{"id":32868,"date":"2026-04-16T07:43:44","date_gmt":"2026-04-16T02:13:44","guid":{"rendered":"https:\/\/icert.org.in\/?p=32868"},"modified":"2026-04-16T08:52:01","modified_gmt":"2026-04-16T03:22:01","slug":"upi-driven-financial-empowerment-of-street-vendors-and-kirana-store-owners-in-bengaluru","status":"publish","type":"post","link":"https:\/\/icert.org.in\/index.php\/2026\/04\/16\/upi-driven-financial-empowerment-of-street-vendors-and-kirana-store-owners-in-bengaluru\/","title":{"rendered":"UPI-Driven Financial Empowerment of Street Vendors and Kirana Store Owners in Bengaluru"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"32868\" class=\"elementor elementor-32868\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2345ea6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2345ea6\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9219602\" data-id=\"9219602\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7c4b7a5 elementor-widget elementor-widget-heading\" data-id=\"7c4b7a5\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Shodh Sari-An International Multidisciplinary Journal<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e1813c0 elementor-widget elementor-widget-heading\" data-id=\"e1813c0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Vol-05, Issue-02(Apr - Jun 2026)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-721667e elementor-widget elementor-widget-heading\" data-id=\"721667e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">An International scholarly\/ academic journal, peer-reviewed\/ refereed journal, ISSN : 2959-1376<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-051ee31 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"051ee31\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-631a8d4\" data-id=\"631a8d4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-73aece5 elementor-widget elementor-widget-heading\" data-id=\"73aece5\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">UPI-Driven Financial Empowerment of Street Vendors and Kirana Store Owners in Bengaluru<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-14239df elementor-widget elementor-widget-text-editor\" data-id=\"14239df\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: center; margin-top: 0pt; margin-bottom: 0pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">C., Meghana\u00a0<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: center; margin-top: 0pt; margin-bottom: 0pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Assistant Professor, Department of Commerce, Dayananda Sagar College of Arts, Science and Commerce, Kumarswamy layout, Bangalore, India<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e1f5d4a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e1f5d4a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2280f35\" data-id=\"2280f35\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7729de7 elementor-widget__width-inherit elementor-widget elementor-widget-elementskit-simple-tab\" data-id=\"7729de7\" data-element_type=\"widget\" data-widget_type=\"elementskit-simple-tab.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >        <div class=\"elementkit-tab-wraper vertical  elementskit-fitcontent-tab \">\n            <ul class=\"nav nav-tabs elementkit-tab-nav \">\n                                    <li class=\"elementkit-nav-item elementor-repeater-item-ca158ed\">\n                        <a class=\"elementkit-nav-link  active show left-pos\" id=\"content-ca158ed69ecd1d748521-tab\" data-ekit-handler-id=\"abstract\" data-ekit-toggle=\"tab\" data-target=\"#content-ca158ed69ecd1d748521\" href=\"#Content-ca158ed69ecd1d748521\"\n                            data-ekit-toggle-trigger=\"click\"\n                            aria-describedby=\"Content-ca158ed69ecd1d748521\">\n                            <span class=\"far fa-file-alt elementskit-tab-icon\"><\/span>                            <span class=\"elementskit-tab-title\"> Abstract<\/span>\n                        <\/a>\n                    <\/li>\n                                        <li class=\"elementkit-nav-item elementor-repeater-item-62e3348\">\n                        <a class=\"elementkit-nav-link  left-pos\" id=\"content-62e334869ecd1d748521-tab\" data-ekit-handler-id=\"about-author\" data-ekit-toggle=\"tab\" data-target=\"#content-62e334869ecd1d748521\" href=\"#Content-62e334869ecd1d748521\"\n                            data-ekit-toggle-trigger=\"click\"\n                            aria-describedby=\"Content-62e334869ecd1d748521\">\n                            <span class=\"far fa-user elementskit-tab-icon\"><\/span>                            <span class=\"elementskit-tab-title\"> About Author<\/span>\n                        <\/a>\n                    <\/li>\n                                        <li class=\"elementkit-nav-item elementor-repeater-item-e351830\">\n                        <a class=\"elementkit-nav-link  left-pos\" id=\"content-e35183069ecd1d748521-tab\" data-ekit-handler-id=\"impact-statement\" data-ekit-toggle=\"tab\" data-target=\"#content-e35183069ecd1d748521\" href=\"#Content-e35183069ecd1d748521\"\n                            data-ekit-toggle-trigger=\"click\"\n                            aria-describedby=\"Content-e35183069ecd1d748521\">\n                            <span class=\"fas fa-file-import elementskit-tab-icon\"><\/span>                            <span class=\"elementskit-tab-title\"> Impact Statement<\/span>\n                        <\/a>\n                    <\/li>\n                                        <li class=\"elementkit-nav-item elementor-repeater-item-bb8dae5\">\n                        <a class=\"elementkit-nav-link  left-pos\" id=\"content-bb8dae569ecd1d748521-tab\" data-ekit-handler-id=\"cite-this-article\" data-ekit-toggle=\"tab\" data-target=\"#content-bb8dae569ecd1d748521\" href=\"#Content-bb8dae569ecd1d748521\"\n                            data-ekit-toggle-trigger=\"click\"\n                            aria-describedby=\"Content-bb8dae569ecd1d748521\">\n                            <span class=\"far fa-address-card elementskit-tab-icon\"><\/span>                            <span class=\"elementskit-tab-title\"> Cite this Article<\/span>\n                        <\/a>\n                    <\/li>\n                                <\/ul>\n\n            <div class=\"tab-content elementkit-tab-content\">\n                                    <div class=\"tab-pane elementkit-tab-pane elementor-repeater-item-ca158ed  active show\" id=\"content-ca158ed69ecd1d748521\" role=\"tabpanel\"\n                         aria-labelledby=\"content-ca158ed69ecd1d748521-tab\">\n                        <div class=\"animated fadeIn\">\n                            <p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: center; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Abstract<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">The rapid proliferation of Unified Payments Interface (UPI) technology across India has fundamentally transformed the digital payment landscape, yet its tangible impact on the financial empowerment of informal micro-entrepreneurs remains insufficiently examined at the grassroots level. This study investigates the relationship between UPI adoption and financial empowerment among street vendors and Kirana store owners operating in Bengaluru, Karnataka. One of India&#8217;s most dynamic fintech ecosystems. Drawing on primary survey data collected from 320 respondents across five purposively selected commercial zones of Bengaluru, this research employs a structured bilingual questionnaire administered through personal interview-based field surveys. The study integrates the Unified Theory of Acceptance and Use of Technology (UTAUT2) with the Financial Empowerment Framework to examine how UPI adoption influences income stability, savings behavior, access to formal credit, and overall business sustainability among informal micro-retailers. Partial Least Squares Structural Equation Modeling (PLS-SEM) is applied to test thirteen proposed hypotheses, while multi-group analysis captures gender and demographic variations in adoption patterns and empowerment outcomes. All thirteen hypotheses are empirically supported. Performance expectancy (\u03b2 = 0.312) and habit (\u03b2 = 0.289) emerge as the dominant adoption drivers, while income stability (\u03b2 = 0.418) and business growth (\u03b2 = 0.388) represent the strongest empowerment outcomes. Financial literacy significantly moderates the UPI adoption\u2013empowerment relationship, and gender-based heterogeneity is observed in social influence, trust, and credit access pathways. The findings contribute empirical evidence to the discourse on digital financial inclusion and sustainable livelihoods, and carry actionable implications for the Reserve Bank of India, NPCI, Karnataka state government, and Bengaluru-based fintech firms seeking to deepen last-mile financial empowerment.<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Keywords: <\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Unified Payments Interface (UPI) \u00b7 Financial Empowerment \u00b7 Street Vendors \u00b7 Kirana Store Owners \u00b7 Digital Payment Adoption \u00b7 Financial Inclusion \u00b7 Sustainable Development Goals, Mobile Payments \u00b7 Financial Literacy\u00a0<\/span><\/p>                        <\/div>\n                    <\/div>\n                                    <div class=\"tab-pane elementkit-tab-pane elementor-repeater-item-62e3348 \" id=\"content-62e334869ecd1d748521\" role=\"tabpanel\"\n                         aria-labelledby=\"content-62e334869ecd1d748521-tab\">\n                        <div class=\"animated fadeIn\">\n                            <p dir=\"ltr\" style=\"line-height: 1.8; margin-top: 0pt; margin-bottom: 8pt; text-align: center;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">About Author<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Dr. Meghana C is an accomplished academician, researcher, and academic administrator with over 10 years of teaching experience, including 9.5 years at the undergraduate level and one year at the Pre-University level. She is currently serving as an Assistant Professor at Dayananda Sagar College of Arts, Science and Commerce, Bengaluru. Dr. Meghana holds a Doctorate (PhD) from Dayananda Sagar University, Bengaluru, and is KSET qualified, demonstrating strong academic and research credentials in the field of Commerce and Management.<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Her areas of specialization include Accounting, Taxation, Finance, Business Statistics, FinTech, and Research Methodology. She has handled a wide range of subjects for B.Com, BBA, and PUC programs. She has also contributed significantly to curriculum delivery aligned with the National Education Policy (NEP 2020).<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Dr. Meghana has an extensive research profile, with numerous publications in UGC<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Care\u2013listed, ABDC, Scopus, and peer-reviewed international journals. Her research interests span crowdfunding, digital banking, green finance, fintech, digital payments, social media marketing, blockchain in accounting, and sustainable finance. She has presented research papers at several national and international conferences, including reputed platforms such as IIM Jammu, and has actively participated in multidisciplinary academic forums.<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">She is a co-author of multiple academic textbooks in Corporate Accounting and Advanced Corporate Accounting, published by Vision Publishing House, designed in accordance with<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">NEP and university syllabi. Her academic leadership is further reflected through her roles as a Board of Examiners (BOE) member, external paper setter, and external reviewer for autonomous colleges and universities She has also served as a resource person for syllabus orientation programs.<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Dr. Meghana has actively engaged in Faculty Development Programs, workshops, and seminars related to research methodology, intellectual property rights, leadership, mentoring, AI tools for research writing, and advanced statistical techniques such as SEM using SmartPLS and AMOS. She possesses strong analytical and technical skills, with proficiency in SPSS, SmartPLS, AMOS, and Advanced Excel, supporting data-driven research and teaching.<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Dr. Meghana combines academic rigor, research orientation, and institutional service, making her a dedicated educator focused on enhancing student outcomes, contributing to curriculum innovation, and supporting the strategic academic goals of higher education institutions<\/span><\/p>                        <\/div>\n                    <\/div>\n                                    <div class=\"tab-pane elementkit-tab-pane elementor-repeater-item-e351830 \" id=\"content-e35183069ecd1d748521\" role=\"tabpanel\"\n                         aria-labelledby=\"content-e35183069ecd1d748521-tab\">\n                        <div class=\"animated fadeIn\">\n                            <p dir=\"ltr\" style=\"line-height: 1.8; margin-top: 0pt; margin-bottom: 8pt; text-align: center;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Impact Statement<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">This study examines the transformative role of UPI in enhancing financial inclusion among street vendors and kirana store owners in Bengaluru. It provides empirical evidence that digital payment adoption reduces cash dependency, improves transaction transparency, and strengthens financial resilience. The research highlights how UPI facilitates access to formal financial systems, enabling better credit opportunities and income stability. The findings offer valuable insights for policymakers to design inclusive digital finance strategies for micro-entrepreneurs. Ultimately, the study contributes to advancing equitable urban economic development through technology-driven financial empowerment.<\/span><\/p>                        <\/div>\n                    <\/div>\n                                    <div class=\"tab-pane elementkit-tab-pane elementor-repeater-item-bb8dae5 \" id=\"content-bb8dae569ecd1d748521\" role=\"tabpanel\"\n                         aria-labelledby=\"content-bb8dae569ecd1d748521-tab\">\n                        <div class=\"animated fadeIn\">\n                            <p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Cite This Article<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">APA Style (7th Ed.): C., M. (2026). UPI-driven financial empowerment of street vendors and kirana store owners in Bengaluru. <\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Shodh Sari-An International Multidisciplinary Journal, 5<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">(2), 305\u2013334. <\/span><a style=\"text-decoration: none;\" href=\"https:\/\/doi.org\/10.59231\/SARI7928\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #0563c1; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: underline; -webkit-text-decoration-skip: none; text-decoration-skip-ink: none; vertical-align: baseline; white-space: pre-wrap;\">https:\/\/doi.org\/10.59231\/SARI7928<\/span><\/a><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Chicago Style (17th Ed.): C., Meghana. &#8220;UPI-Driven Financial Empowerment of Street Vendors and Kirana Store Owners in Bengaluru.&#8221; <\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Shodh Sari-An International Multidisciplinary Journal<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\"> 5, no. 2 (2026): 305\u2013334. <\/span><a style=\"text-decoration: none;\" href=\"https:\/\/doi.org\/10.59231\/SARI7928\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #0563c1; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: underline; -webkit-text-decoration-skip: none; text-decoration-skip-ink: none; vertical-align: baseline; white-space: pre-wrap;\">https:\/\/doi.org\/10.59231\/SARI7928<\/span><\/a><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">.<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">MLA Style (9th Ed.): C., Meghana. &#8220;UPI-Driven Financial Empowerment of Street Vendors and Kirana Store Owners in Bengaluru.&#8221; <\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Shodh Sari-An International Multidisciplinary Journal<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">, vol. 5, no. 2, 2026, pp. 305\u2013334. <\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">International Council for Education Research and Training<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">, <\/span><a style=\"text-decoration: none;\" href=\"https:\/\/doi.org\/10.59231\/SARI7928\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #0563c1; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: underline; -webkit-text-decoration-skip: none; text-decoration-skip-ink: none; vertical-align: baseline; white-space: pre-wrap;\">https:\/\/doi.org\/10.59231\/SARI7928<\/span><\/a><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">.<\/span><\/p>                        <\/div>\n                    <\/div>\n                                \n            <\/div>\n                    <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9d92041 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9d92041\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-top-column 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href=\"https:\/\/archive.org\/download\/384.-upi-driven-financial-empowerment-of-street-vendors-and-kirana-store-owners-in-bengaluru\/384.%20UPI-Driven%20Financial%20Empowerment%20of%20Street%20Vendors%20and%20Kirana%20Store%20Owners%20in%20Bengaluru.pdf\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-university\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Archive Article<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-top-column elementor-element elementor-element-30a89b7\" data-id=\"30a89b7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-30c2461 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PDF<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-top-column elementor-element elementor-element-ef375f6\" data-id=\"ef375f6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8cb6795 elementor-widget-tablet__width-initial elementor-widget elementor-widget-shortcode\" data-id=\"8cb6795\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div class=\"sdm_download_count\"><span class=\"sdm_count_number\">17<\/span><span class=\"sdm_count_string\"> Downloads<\/span><\/div><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-69cec5e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"69cec5e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e4282af\" data-id=\"e4282af\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-03fac0d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"03fac0d\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-11e84a2\" data-id=\"11e84a2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5d83732 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"5d83732\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p dir=\"ltr\" style=\"line-height: 1.2; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">DOI: <\/span><a style=\"text-decoration: none;\" href=\"https:\/\/doi.org\/10.59231\/SARI7928\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #0563c1; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: underline; -webkit-text-decoration-skip: none; text-decoration-skip-ink: none; vertical-align: baseline; white-space: pre-wrap;\">https:\/\/doi.org\/10.59231\/SARI7928<\/span><\/a><\/p><p dir=\"ltr\" style=\"line-height: 1.2; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Subject: Commerce \/ Economics \/ Digital Finance<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.2; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Page Numbers: 305\u2013334<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-15d89e6\" data-id=\"15d89e6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f8dbbe7 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"f8dbbe7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p dir=\"ltr\" style=\"line-height: 1.2; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Received: Mar 10, 2026<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.2; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Accepted: Mar 30, 2026<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.2; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Published: Apr 13, 2026<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bd11ee2 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"bd11ee2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p dir=\"ltr\" style=\"line-height: 1.2; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Thematic Classification: Digital Financial Inclusion, Fintech Adoption, UPI (Unified Payments Interface), Micro-Entrepreneurship, and Economic Empowerment.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7f45196 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7f45196\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-99df05e\" data-id=\"99df05e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d85032e elementor-widget elementor-widget-heading\" data-id=\"d85032e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">1. Introduction\n<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e9062d elementor-widget elementor-widget-text-editor\" data-id=\"6e9062d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">India&#8217;s financial landscape has undergone a remarkable transformation over the past decade, driven largely by the proliferation of digital payment technologies and the government&#8217;s sustained push toward a less-cash economy. Among the most consequential developments in this trajectory has been the introduction and rapid scaling of the Unified Payments Interface (UPI) a real-time interoperable payment system developed by the National Payments Corporation of India (NPCI) in 2016. Within seven years of its launch, UPI evolved from a modest pilot initiative into the world&#8217;s largest real-time payment platform, recording over 10 billion transactions in a single month by late 2023 (NPCI, 2023). This phenomenal growth has not only redefined how urban and semi-urban Indians transact but has also begun reshaping the economic realities of millions of informal micro-entrepreneurs who were historically excluded from formal financial systems.<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Street vendors and Kirana store owners constitute one of the most economically significant yet persistently underserved segments of India&#8217;s informal economy. Numbering over 12 million outlets nationally and contributing substantially to urban food security, last-mile retail distribution, and neighborhood employment, these micro-entrepreneurs have long operated in a cash-dominated environment characterized by limited access to formal credit, negligible savings infrastructure, and near-total exclusion from institutional financial services (Ministry of Electronics and Information Technology, 2022). The demonetization exercise of November 2016 and the subsequent disruptions caused by the COVID-19 pandemic between 2020 and 2022 compelled many of these traders to adopt digital payment tools as a matter of operational survival rather than deliberate financial strategy (Raghunathan et al., 2022).<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Bengaluru presents an exceptionally compelling context within which to examine this phenomenon. As India&#8217;s acknowledged fintech capital and home to the Reserve Bank of India Innovation Hub, the city hosts a uniquely dense ecosystem of digital payment infrastructure, startup activity, and technology literate consumers. Yet beneath this sophisticated technological surface lies a large and economically diverse informal retail sector from the flower vendors of KR Market to the provision stores of Rajajinagar whose engagement with UPI and its consequences for their financial lives remains empirically underexplored. While national-level studies and policy reports document aggregate UPI adoption trends, granular, city-level evidence connecting UPI usage to measurable financial empowerment outcomes among informal micro-retailers is conspicuously absent from the academic literature.<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">This study addresses that gap directly. By collecting primary survey data from 320 street vendors and Kirana store owners across five purposively selected commercial zones of Bengaluru, this research examines how UPI adoption influences income stability, savings behavior, access to formal credit, and perceptions of long-term business sustainability. The study integrates the Unified Theory of Acceptance and Use of Technology (UTAUT2) proposed by Venkatesh et al. (2012) with Sherraden&#8217;s (2013) Financial Empowerment Framework to construct a theoretically grounded conceptual model. Partial Least Squares Structural Equation Modeling (PLS-SEM) is employed for hypothesis testing, with multi-group analysis used to capture gender and demographic heterogeneity in adoption and empowerment outcomes.<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\"><br \/><\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 9pt; margin-bottom: 4pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #374151; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">1.1 Research Objectives<\/span><\/p><div dir=\"ltr\" style=\"margin-left: -0.55pt;\" align=\"left\"><table style=\"border: none; border-collapse: collapse;\"><colgroup><col width=\"53\" \/><col width=\"585\" \/><\/colgroup><tbody><tr style=\"height: 29pt;\"><td style=\"vertical-align: middle; background-color: #1a3557; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #1a3557 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #ffffff; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">RO<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #1a3557; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #1a3557 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #ffffff; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Objective Statement<\/span><\/p><\/td><\/tr><tr style=\"height: 49.55pt;\"><td style=\"border-left: solid #aaaaaa 0.5pt; border-right: solid #aaaaaa 0.5pt; border-bottom: solid #aaaaaa 0.5pt; border-top: solid #1a3557 0.5pt; vertical-align: middle; background-color: #eff6ff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #2563eb; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">RO1<\/span><\/p><\/td><td style=\"border-left: solid #aaaaaa 0.5pt; border-right: solid #aaaaaa 0.5pt; border-bottom: solid #aaaaaa 0.5pt; border-top: solid #1a3557 0.5pt; vertical-align: middle; background-color: #eff6ff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">To assess the level and pattern of UPI adoption among street vendors and Kirana store owners in Bengaluru<\/span><\/p><\/td><\/tr><tr style=\"height: 49.55pt;\"><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #aaaaaa 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #2563eb; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">RO2<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #aaaaaa 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">To examine the influence of UTAUT2 constructs on UPI adoption behavior in the informal micro-retail sector<\/span><\/p><\/td><\/tr><tr style=\"height: 70.7pt;\"><td style=\"vertical-align: middle; background-color: #eff6ff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #aaaaaa 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #2563eb; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">RO3<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #eff6ff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #aaaaaa 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">To investigate the impact of UPI adoption on financial empowerment outcomes including income stability, savings, credit access, business growth, and sustainable livelihood<\/span><\/p><\/td><\/tr><tr style=\"height: 49.55pt;\"><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #aaaaaa 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #2563eb; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">RO4<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #aaaaaa 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">To analyses the moderating role of financial literacy on the UPI adoption\u2013empowerment relationship<\/span><\/p><\/td><\/tr><tr style=\"height: 49.55pt;\"><td style=\"vertical-align: middle; background-color: #eff6ff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #aaaaaa 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #2563eb; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">RO5<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #eff6ff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #aaaaaa 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">To examine gender-based and business-type differences in UPI adoption and empowerment outcomes through multi-group analysis<\/span><\/p><\/td><\/tr><tr style=\"height: 50.15pt;\"><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #aaaaaa 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #2563eb; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">RO6<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #aaaaaa 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">To derive actionable policy and practice recommendations for advancing digital financial inclusion among Bengaluru&#8217;s informal micro-entrepreneurs<\/span><\/p><\/td><\/tr><\/tbody><\/table><b id=\"docs-internal-guid-1d0fa657-7fff-aa2c-9028-59f38f65db2b\" style=\"font-weight: normal;\"><\/b><\/div><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">1.2 Research Contributions<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">This study makes three distinct contributions to the literature. First, it provides one of the first city-level empirical investigations of UPI adoption and financial empowerment in India&#8217;s informal retail sector, filling a critical geographic and contextual gap in fintech inclusion research. Second, it proposes and validates a novel theoretical integration of UTAUT2 with the Financial Empowerment Framework, operationalizing a two-stage causal chain that prior studies have examined only in isolation. Third, the study&#8217;s multi-group analysis produces gender-differentiated evidence on adoption and empowerment pathways, generating targeted policy insights for women-inclusive digital financial inclusion strategies.<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">2. Review of Literature<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">2.1 Digital Payments and the UPI Ecosystem in India<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">The transformation of India&#8217;s payment infrastructure was shaped by a confluence of regulatory intent, technological readiness, and demographic opportunity. Raman and Aashker (2022) document the macroeconomic significance of UPI&#8217;s transaction growth, noting that its compounding adoption trajectory has begun influencing monetary policy considerations and formal banking behavior at the aggregate level. Sahoo and Panda (2019) offer a broader contextual analysis of digital payment opportunities and structural challenges in India, identifying last-mile connectivity, digital literacy deficits, and cybersecurity vulnerabilities as persistent barriers to equitable adoption. Critically, these studies focus on system-level dynamics rather than the lived financial experiences of individual micro-entrepreneurs, leaving a substantial empirical void that the present study seeks to address.<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">2.2 Fintech Innovation and Financial Inclusion<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">The relationship between fintech innovation and financial inclusion has attracted considerable scholarly attention globally. Ozili (2018) examines the dual role of digital finance in simultaneously expanding financial access and introducing new systemic stability risks, concluding that regulatory frameworks must evolve in parallel with technological adoption to maximize inclusion benefits. The World Bank&#8217;s Global Findex Database (Demirg\u00fc\u00e7-Kunt et al., 2018) establishes that mobile money and digital payment services have measurably reduced financial exclusion in developing economies, particularly among populations without prior banking relationships. Gomber et al. (2018) theorize the fintech revolution as a tripartite force of innovation, disruption, and transformation, arguing that its most profound effects are felt not in sophisticated financial markets but at the base of the economic pyramid. In the Indian context, Khera et al. (2021) provide evidence from an IMF working paper that digital financial inclusion is positively associated with sub-national GDP growth in states with higher smartphone penetration a finding particularly relevant to Karnataka&#8217;s policy context.<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">2.3 Technology Adoption Among Informal Micro-Entrepreneurs<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Understanding why informal micro-entrepreneurs adopt or resist digital payment technologies requires a robust theoretical lens. Patil et al. (2020) extend the Meta-UTAUT framework to examine mobile payment adoption in India, finding that personal innovativeness and trust emerge as the most powerful predictors of adoption intention. Singh et al. (2020) demonstrate that social influence and stress-to-use significantly shape adoption decisions among low-income users in ways that performance-based models alone cannot capture. Thakur (2018) finds that subjective norms and prior technology experience mediate the relationship between perceived usefulness and actual usage among Indian business operators. Sharma and Sharma (2019) further highlight the centrality of trust and service quality in sustaining actual usage beyond initial adoption.<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">2.4 UTAUT2 as Theoretical Foundation<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">The Unified Theory of Acceptance and Use of Technology in its second iteration (UTAUT2) represents the most comprehensive framework for studying consumer technology adoption. Originally proposed by Venkatesh et al. (2012), UTAUT2 extends the foundational UTAUT by incorporating hedonic motivation, price value, and habit constructs calibrated for consumer rather than organizational adoption contexts. Alalwan et al. (2017) apply UTAUT2 to mobile banking adoption in Jordan, demonstrating that the expanded model explains over 74 percent of variance in behavioral intention. Tamilmani et al. (2021) confirm UTAUT2&#8217;s theoretical robustness across 1,604 studies while identifying persistent gaps in its application to informal economy contexts in developing nations \u2014 a gap the present study directly addresses.<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">2.5 Financial Empowerment and Informal Sector Outcomes<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Financial empowerment, as conceptualized by Sherraden (2013), encompasses financial capability, financial security, asset accumulation, and resilience to economic shocks dimensions that are particularly meaningful for informal micro-entrepreneurs whose livelihoods are structurally vulnerable. Lusardi and Mitchell (2022) demonstrate that financial literacy is not merely a background characteristic but a dynamic mediating force that determines whether access to financial tools translates into genuine empowerment or simply increased exposure to financial risk. Bhat et al. (2022) provide the most directly relevant empirical evidence, examining UPI adoption and impact among small retailers in India and finding that while transaction efficiency improves significantly post-adoption, credit access and savings behavior show more modest and heterogeneous improvements particularly among respondents with lower digital literacy scores.<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">2.6 Gender Dimensions of Digital Financial Adoption<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Gender remains a structurally significant determinant of digital financial adoption outcomes in developing economies. Demirg\u00fc\u00e7-Kunt et al. (2017) establish through World Bank data that women in low-income economies are 9 percentage points less likely than men to hold formal financial accounts. Sundaram and Sriram (2021) specifically examine gender differences in digital financial literacy and UPI adoption among low-income urban households in South India, finding that women street vendors face compounded disadvantages arising from lower smartphone ownership rates, social restrictions on financial autonomy, and reduced exposure to peer adoption networks. Bharadwaj et al. (2019) provide comparative evidence from Kenya&#8217;s mobile money ecosystem, demonstrating that women who adopt digital financial services exhibit greater household resilience to income shocks.<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">2.7 Research Gap<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Existing literature on UPI and financial inclusion is predominantly national-level, aggregate, or technology-adoption-focused without examining downstream empowerment outcomes. City-level, primary-data-based studies integrating UTAUT2 with Financial Empowerment theory in the Indian informal micro-retail context particularly with gender-disaggregated analysis are conspicuously absent. This study fills that gap.<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">3. Research Methodology<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">3.1 Research Design<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">This study adopts a cross-sectional, explanatory research design combining quantitative survey methods with a limited qualitative component to capture both the measurable and experiential dimensions of UPI-driven financial empowerment. The explanatory orientation is appropriate given that the study seeks to establish and test directional relationships between UPI adoption and financial empowerment outcomes (Hair et al., 2019).<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">3.2 Theoretical Framework<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">The integrated conceptual model combines UTAUT2 (Venkatesh et al., 2012) with Sherraden&#8217;s (2013) Financial Empowerment Framework in a two-stage PLS-SEM structure. Stage one models the determinants of UPI adoption using six UTAUT2 constructs: Performance Expectancy (PE), Effort Expectancy (EE), Social Influence (SI), Facilitating Conditions (FC), Trust and Perceived Security (TS), and Habit (HA). Stage two models the financial empowerment consequences of UPI adoption across six outcome constructs: Income Stability (IS), Savings Behavior (SB), Access to Formal Credit (AC), Business Growth Perception (BG), Financial Security (FS), and Sustainable Livelihood (SL). Financial Literacy (FL) is incorporated as a moderating variable on the stage-two relationships.<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">3.3 Sample and Sampling Strategy<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">The target population comprises active street vendors and Kirana store owners in Bengaluru with a minimum of one year of business operation and at least six months of UPI usage experience. Five commercial zones KR Market, Jayanagar, Shivajinagar, Whitefield, and Rajajinagar were selected through purposive zonal stratification to ensure geographic, demographic, and commercial diversity. A sample of 320 respondents (64 per zone) was determined based on the rule of ten observations per latent variable in PLS-SEM (Hair et al., 2019), and respondents within each zone were selected through systematic random sampling.<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">3.4 Data Collection Instrument<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">A structured bilingual questionnaire administered in both English and Kannada served as the primary data collection instrument, organized across eight thematic sections: demographic profiling (10 items), UPI adoption patterns (4 items), UTAUT2 constructs (28 Likert items), financial empowerment outcome variables (24 Likert items), financial literacy moderator items (6 items), perceived barriers (7 items), sustainability perception (6 items), and four open-ended qualitative questions. All construct items are adapted from validated scales in prior literature with contextual modifications for the informal retail environment. A pilot study of 35 respondents confirmed Cronbach&#8217;s Alpha values above 0.70 for all constructs.<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">3.5 Analytical Framework<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Data analysis proceeds in four stages. Descriptive statistics profile the sample and construct means. Confirmatory Factor Analysis in AMOS 26.0 validates the measurement model. PLS-SEM in SmartPLS 4.0 with 5,000 bootstrapping resamples tests the thirteen structural hypotheses. Multi-group analysis using the permutation-based MGA procedure examines gender and business-type moderation of structural paths. Measurement model validity is assessed through factor loadings (\u03bb \u2265 0.70), Cronbach&#8217;s Alpha (\u03b1 \u2265 0.70), Composite Reliability (CR \u2265 0.70), Average Variance Extracted (AVE \u2265 0.50), and HTMT discriminant validity ratios below 0.85 (Henseler et al., 2015).<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">3.6 Ethical Considerations<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">All respondents provided written informed consent prior to participation. Anonymity and confidentiality of individual responses were strictly maintained throughout data collection, storage, and reporting. The study protocol adheres to institutional ethical guidelines governing primary human subject\u2019s research.<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">4. Data Analysis<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">The data analysis proceeds in four sequential stages consistent with the two-phase PLS-SEM protocol recommended by Hair et al. (2019): descriptive profiling, measurement model assessment, structural model testing, and multi-group analysis.<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">4.1 Sample Profile and Descriptive Statistics<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">A total of 320 structured questionnaires were administered across five commercial zones of Bengaluru, yielding a 100 percent usable response rate through personal interview-based administration. Table 4.1 presents the demographic and business profile of respondents.<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\"><br \/><\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: center; margin-top: 9pt; margin-bottom: 3pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #1a3557; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Table 4.1: Demographic and Business Profile of Respondents (n = 320)<\/span><\/p><div dir=\"ltr\" style=\"margin-left: -0.55pt;\" align=\"left\"><table style=\"border: none; border-collapse: collapse;\"><colgroup><col width=\"160\" \/><col width=\"173\" \/><col width=\"147\" \/><col width=\"133\" \/><\/colgroup><tbody><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #1a3557; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #1a3557 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #ffffff; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Variable<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #1a3557; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #1a3557 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #ffffff; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Category<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #1a3557; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #1a3557 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #ffffff; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Frequency (n)<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #1a3557; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #1a3557 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #ffffff; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Percentage (%)<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"border-left: solid #cccccc 0.5pt; border-right: solid #cccccc 0.5pt; border-bottom: solid #cccccc 0.5pt; border-top: solid #1a3557 0.5pt; vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Gender<\/span><\/p><\/td><td style=\"border-left: solid #cccccc 0.5pt; border-right: solid #cccccc 0.5pt; border-bottom: solid #cccccc 0.5pt; border-top: solid #1a3557 0.5pt; vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Male<\/span><\/p><\/td><td style=\"border-left: solid #cccccc 0.5pt; border-right: solid #cccccc 0.5pt; border-bottom: solid #cccccc 0.5pt; border-top: solid #1a3557 0.5pt; vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">196<\/span><\/p><\/td><td style=\"border-left: solid #cccccc 0.5pt; border-right: solid #cccccc 0.5pt; border-bottom: solid #cccccc 0.5pt; border-top: solid #1a3557 0.5pt; vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">61.3<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\">\u00a0<\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Female<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">124<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">38.7<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Age Group<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Below 25 years<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">38<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">11.9<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\">\u00a0<\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">25\u201335 years<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">112<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">35.0<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\">\u00a0<\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">36\u201345 years<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">104<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">32.5<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\">\u00a0<\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Above 45 years<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">66<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">20.6<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Education<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">No formal education<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">44<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">13.8<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\">\u00a0<\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Primary (1\u20137th Std)<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">82<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">25.6<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\">\u00a0<\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Secondary (8\u201310th Std)<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">118<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">36.9<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\">\u00a0<\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">PUC \/ Graduate+<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">76<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">23.7<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Business Type<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Street Vendor<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">168<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">52.5<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\">\u00a0<\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Kirana Store Owner<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">152<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">47.5<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Years in Business<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Less than 1 year<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">22<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">6.9<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\">\u00a0<\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">1\u20133 years<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">74<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">23.1<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\">\u00a0<\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">4\u20137 years<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">126<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">39.4<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\">\u00a0<\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">More than 7 years<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">98<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">30.6<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Monthly Turnover<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Below \u20b910,000<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">68<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">21.3<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\">\u00a0<\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">\u20b910,001\u2013\u20b930,000<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">128<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">40.0<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\">\u00a0<\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">\u20b930,001\u2013\u20b960,000<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">86<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">26.9<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\">\u00a0<\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Above \u20b960,000<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">38<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">11.8<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">UPI Experience<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">6\u201312 months<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">46<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">14.4<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\">\u00a0<\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">1\u20133 years<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">148<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">46.2<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\">\u00a0<\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">More than 3 years<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">126<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">39.4<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Primary UPI App<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">PhonePe<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">142<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">44.4<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\">\u00a0<\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Google Pay<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">98<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">30.6<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\">\u00a0<\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Paytm<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">38<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">11.9<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\">\u00a0<\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Multiple Apps<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">42<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">13.1<\/span><\/p><\/td><\/tr><\/tbody><\/table><\/div><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 2pt; margin-bottom: 3pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #6b7280; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Source: Primary Survey Data, Bengaluru (2024\u201325)<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\"><br \/><\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">The sample is predominantly male (61.3%), consistent with the gender composition of street vending and Kirana retail in Bengaluru&#8217;s formal commercial zones. A majority of respondents (75.5%) fall within the 25\u201345 age bracket, indicating a working-age population with sufficient digital exposure for meaningful UPI engagement. Secondary education is the modal category (36.9%). Kirana store owners and street vendors are near-equally represented (52.5% vs 47.5%), facilitating valid sub-group comparisons. Notably, 85.6 percent of respondents possess more than one year of UPI experience, ensuring that empowerment outcomes reflect sustained adoption effects rather than novelty responses. PhonePe dominates UPI app usage (44.4%), consistent with national NPCI data.<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\"><br \/><\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: center; margin-top: 9pt; margin-bottom: 3pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #1a3557; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Table 4.2: Descriptive Statistics of Latent Constructs<\/span><\/p><div dir=\"ltr\" style=\"margin-left: -0.55pt;\" align=\"left\"><table style=\"border: none; border-collapse: collapse;\"><colgroup><col width=\"273\" \/><col width=\"68\" \/><col width=\"85\" \/><col width=\"94\" \/><col width=\"94\" \/><\/colgroup><tbody><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #1a3557; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #1a3557 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #ffffff; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Construct<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #1a3557; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #1a3557 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #ffffff; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Code<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #1a3557; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #1a3557 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #ffffff; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Mean<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #1a3557; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #1a3557 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #ffffff; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Std Dev<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #1a3557; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #1a3557 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #ffffff; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Skewness<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"border-left: solid #cccccc 0.5pt; border-right: solid #cccccc 0.5pt; border-bottom: solid #cccccc 0.5pt; border-top: solid #1a3557 0.5pt; vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Performance Expectancy<\/span><\/p><\/td><td style=\"border-left: solid #cccccc 0.5pt; border-right: solid #cccccc 0.5pt; border-bottom: solid #cccccc 0.5pt; border-top: solid #1a3557 0.5pt; vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">PE<\/span><\/p><\/td><td style=\"border-left: solid #cccccc 0.5pt; border-right: solid #cccccc 0.5pt; border-bottom: solid #cccccc 0.5pt; border-top: solid #1a3557 0.5pt; vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">3.84<\/span><\/p><\/td><td style=\"border-left: solid #cccccc 0.5pt; border-right: solid #cccccc 0.5pt; border-bottom: solid #cccccc 0.5pt; border-top: solid #1a3557 0.5pt; vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.71<\/span><\/p><\/td><td style=\"border-left: solid #cccccc 0.5pt; border-right: solid #cccccc 0.5pt; border-bottom: solid #cccccc 0.5pt; border-top: solid #1a3557 0.5pt; vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">-0.42<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Effort Expectancy<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">EE<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">3.61<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.78<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">-0.31<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Social Influence<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">SI<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">3.72<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.74<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">-0.38<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Facilitating Conditions<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">FC<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">3.46<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.82<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">-0.22<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Trust &amp; Security<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">TS<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">3.58<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.76<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">-0.28<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Habit<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">HA<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">3.79<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.69<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">-0.44<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">UPI Adoption<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">UPIA<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">3.91<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.66<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">-0.51<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Income Stability<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">IS<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">3.68<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.73<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">-0.36<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Savings Behaviour<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">SB<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">3.42<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.81<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">-0.19<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Access to Formal Credit<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">AC<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">3.21<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.88<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">-0.08<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Business Growth<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">BG<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">3.55<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.77<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">-0.29<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Financial Security<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">FS<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">3.47<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.80<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">-0.21<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Sustainable Livelihood<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">SL<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">3.39<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.83<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">-0.14<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Financial Literacy<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">FL<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">3.28<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.86<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">-0.11<\/span><\/p><\/td><\/tr><\/tbody><\/table><\/div><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 2pt; margin-bottom: 3pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #6b7280; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">All means computed from four-item Likert scales (1=Strongly Disagree to 5=Strongly Agree)<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 13pt; margin-bottom: 5pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">4.2 Measurement Model Assessment<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: center; margin-top: 9pt; margin-bottom: 3pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #2f5496; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Table 4.3: Measurement Model \u2014 Reliability and Convergent Validity<\/span><\/p><div dir=\"ltr\" style=\"margin-left: -0.55pt;\" align=\"left\"><table style=\"border: none; border-collapse: collapse;\"><colgroup><col width=\"194\" \/><col width=\"53\" \/><col width=\"120\" \/><col width=\"82\" \/><col width=\"75\" \/><col width=\"90\" \/><\/colgroup><tbody><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #1a3557; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #1a3557 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #ffffff; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Construct<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #1a3557; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #1a3557 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #ffffff; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Items<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #1a3557; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #1a3557 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #ffffff; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">\u03bb Range<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #1a3557; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #1a3557 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #ffffff; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">\u03b1<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #1a3557; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #1a3557 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #ffffff; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">CR<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #1a3557; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #1a3557 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #ffffff; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">AVE<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"border-left: solid #cccccc 0.5pt; border-right: solid #cccccc 0.5pt; border-bottom: solid #cccccc 0.5pt; border-top: solid #1a3557 0.5pt; vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Performance Expectancy (PE)<\/span><\/p><\/td><td style=\"border-left: solid #cccccc 0.5pt; border-right: solid #cccccc 0.5pt; border-bottom: solid #cccccc 0.5pt; border-top: solid #1a3557 0.5pt; vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">4<\/span><\/p><\/td><td style=\"border-left: solid #cccccc 0.5pt; border-right: solid #cccccc 0.5pt; border-bottom: solid #cccccc 0.5pt; border-top: solid #1a3557 0.5pt; vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.741\u20130.812<\/span><\/p><\/td><td style=\"border-left: solid #cccccc 0.5pt; border-right: solid #cccccc 0.5pt; border-bottom: solid #cccccc 0.5pt; border-top: solid #1a3557 0.5pt; vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.836<\/span><\/p><\/td><td style=\"border-left: solid #cccccc 0.5pt; border-right: solid #cccccc 0.5pt; border-bottom: solid #cccccc 0.5pt; border-top: solid #1a3557 0.5pt; vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.882<\/span><\/p><\/td><td style=\"border-left: solid #cccccc 0.5pt; border-right: solid #cccccc 0.5pt; border-bottom: solid #cccccc 0.5pt; border-top: solid #1a3557 0.5pt; vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.553<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Effort Expectancy (EE)<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">4<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.724\u20130.798<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.818<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.871<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.529<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Social Influence (SI)<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">4<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.738\u20130.806<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.829<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.877<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.541<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Facilitating Conditions (FC)<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">4<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.716\u20130.789<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.812<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.867<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.521<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Trust &amp; Security (TS)<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">4<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.729\u20130.801<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.822<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.874<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.534<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Habit (HA)<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">4<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.748\u20130.823<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.841<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.886<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.561<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">UPI Adoption (UPIA)<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">4<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.762\u20130.834<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.853<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.896<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.582<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Income Stability (IS)<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">4<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.733\u20130.808<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.826<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.876<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.538<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Savings Behaviour (SB)<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">4<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.719\u20130.794<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.814<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.868<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.523<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Access to Credit (AC)<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">4<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.708\u20130.782<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.803<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.861<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.509<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Business Growth (BG)<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">4<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.727\u20130.803<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.820<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.873<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.532<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Financial Security (FS)<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">4<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.722\u20130.797<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.816<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.869<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.526<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Sustainable Livelihood (SL)<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">4<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.714\u20130.789<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.810<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.865<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.518<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Financial Literacy (FL)<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">4<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.706\u20130.779<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.800<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.858<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.503<\/span><\/p><\/td><\/tr><\/tbody><\/table><\/div><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 2pt; margin-bottom: 3pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #6b7280; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Thresholds: \u03bb \u2265 0.70 | \u03b1 \u2265 0.70 | CR \u2265 0.70 | AVE \u2265 0.50 (Hair et al., 2019) | All criteria met for all constructs<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\"><br \/><\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 2pt; margin-bottom: 3pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">All factor loadings, Cronbach&#8217;s Alpha, Composite Reliability, and AVE values meet or exceed established thresholds, confirming indicator reliability, internal consistency, and convergent validity across all 14 constructs. Discriminant validity is confirmed with all HTMT ratios below 0.85 (highest: UPIA\u2013PE = 0.762), satisfying Henseler et al. (2015).<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\"><br \/><\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 13pt; margin-bottom: 5pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">4.3 Structural Model and Hypothesis Testing<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: center; margin-top: 9pt; margin-bottom: 3pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #1a3557; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Table 4.4: PLS-SEM Structural Path Coefficients and Hypothesis Testing Results<\/span><\/p><div dir=\"ltr\" style=\"margin-left: -0.55pt;\" align=\"left\"><table style=\"border: none; border-collapse: collapse;\"><colgroup><col width=\"42\" \/><col width=\"101\" \/><col width=\"50\" \/><col width=\"65\" \/><col width=\"69\" \/><col width=\"100\" \/><col width=\"50\" \/><col width=\"136\" \/><\/colgroup><tbody><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #1a3557; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #1a3557 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #ffffff; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">H#<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #1a3557; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #1a3557 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #ffffff; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Path<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #1a3557; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #1a3557 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #ffffff; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">\u03b2<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #1a3557; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #1a3557 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #ffffff; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">t-Value<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #1a3557; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #1a3557 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #ffffff; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">p-Value<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #1a3557; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #1a3557 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #ffffff; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">95% CI<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #1a3557; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #1a3557 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #ffffff; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">f\u00b2<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #1a3557; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #1a3557 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #ffffff; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Result<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"border-left: solid #cccccc 0.5pt; border-right: solid #cccccc 0.5pt; border-bottom: solid #cccccc 0.5pt; border-top: solid #1a3557 0.5pt; vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">H1<\/span><\/p><\/td><td style=\"border-left: solid #cccccc 0.5pt; border-right: solid #cccccc 0.5pt; border-bottom: solid #cccccc 0.5pt; border-top: solid #1a3557 0.5pt; vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">PE \u2192 UPIA<\/span><\/p><\/td><td style=\"border-left: solid #cccccc 0.5pt; border-right: solid #cccccc 0.5pt; border-bottom: solid #cccccc 0.5pt; border-top: solid #1a3557 0.5pt; vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.312<\/span><\/p><\/td><td style=\"border-left: solid #cccccc 0.5pt; border-right: solid #cccccc 0.5pt; border-bottom: solid #cccccc 0.5pt; border-top: solid #1a3557 0.5pt; vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">5.847<\/span><\/p><\/td><td style=\"border-left: solid #cccccc 0.5pt; border-right: solid #cccccc 0.5pt; border-bottom: solid #cccccc 0.5pt; border-top: solid #1a3557 0.5pt; vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.000***<\/span><\/p><\/td><td style=\"border-left: solid #cccccc 0.5pt; border-right: solid #cccccc 0.5pt; border-bottom: solid #cccccc 0.5pt; border-top: solid #1a3557 0.5pt; vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">[0.204, 0.418]<\/span><\/p><\/td><td style=\"border-left: solid #cccccc 0.5pt; border-right: solid #cccccc 0.5pt; border-bottom: solid #cccccc 0.5pt; border-top: solid #1a3557 0.5pt; vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.142<\/span><\/p><\/td><td style=\"border-left: solid #cccccc 0.5pt; border-right: solid #cccccc 0.5pt; border-bottom: solid #cccccc 0.5pt; border-top: solid #1a3557 0.5pt; vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Supported<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">H2<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">EE \u2192 UPIA<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.198<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">3.614<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.000***<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">[0.089, 0.308]<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.064<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Supported<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">H3<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">SI \u2192 UPIA<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.224<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">4.102<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.000***<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">[0.116, 0.332]<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.081<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Supported<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">H4<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">FC \u2192 UPIA<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.176<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">3.218<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.001**<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">[0.069, 0.284]<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.048<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Supported<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">H5<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">TS \u2192 UPIA<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.263<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">4.891<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.000***<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">[0.157, 0.369]<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.108<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Supported<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">H6<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">HA \u2192 UPIA<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.289<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">5.421<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.000***<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">[0.182, 0.396]<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.127<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Supported<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">H7<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">UPIA \u2192 IS<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.418<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">7.634<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.000***<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">[0.311, 0.524]<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.214<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Supported<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">H8<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">UPIA \u2192 SB<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.341<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">6.118<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.000***<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">[0.232, 0.449]<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.162<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Supported<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">H9<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">UPIA \u2192 AC<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.274<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">4.963<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.000***<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">[0.163, 0.384]<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.107<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Supported<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">H10<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">UPIA \u2192 BG<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.388<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">7.021<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.000***<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">[0.279, 0.497]<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.196<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Supported<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">H11<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">UPIA \u2192 FS<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.356<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">6.384<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.000***<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">[0.247, 0.465]<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.176<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Supported<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">H12<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">UPIA \u2192 SL<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.312<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">5.618<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.000***<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">[0.202, 0.421]<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.143<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Supported<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">H13<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">UPIA\u00d7FL\u2192FE<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.187<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">3.412<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.001**<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">[0.079, 0.294]<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.054<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Supported<\/span><\/p><\/td><\/tr><\/tbody><\/table><\/div><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 2pt; margin-bottom: 3pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #6b7280; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">*** p &lt; 0.001 | ** p &lt; 0.01 (two-tailed) | t-critical = 1.96 (p&lt;0.05) | Bootstrapping: 5,000 resamples | SmartPLS 4.0<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: center; margin-top: 9pt; margin-bottom: 3pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #1a3557; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Table 4.5: R\u00b2 and Q\u00b2 Values for Endogenous Constructs<\/span><\/p><div dir=\"ltr\" style=\"margin-left: -0.55pt;\" align=\"left\"><table style=\"border: none; border-collapse: collapse;\"><colgroup><col width=\"173\" \/><col width=\"80\" \/><col width=\"120\" \/><col width=\"80\" \/><col width=\"160\" \/><\/colgroup><tbody><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #1a3557; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #1a3557 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #ffffff; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Endogenous Construct<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #1a3557; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #1a3557 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #ffffff; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">R\u00b2 Value<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #1a3557; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #1a3557 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #ffffff; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Interpretation<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #1a3557; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #1a3557 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #ffffff; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Q\u00b2<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #1a3557; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #1a3557 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #ffffff; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Predictive Relevance<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"border-left: solid #cccccc 0.5pt; border-right: solid #cccccc 0.5pt; border-bottom: solid #cccccc 0.5pt; border-top: solid #1a3557 0.5pt; vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">UPI Adoption (UPIA)<\/span><\/p><\/td><td style=\"border-left: solid #cccccc 0.5pt; border-right: solid #cccccc 0.5pt; border-bottom: solid #cccccc 0.5pt; border-top: solid #1a3557 0.5pt; vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.624<\/span><\/p><\/td><td style=\"border-left: solid #cccccc 0.5pt; border-right: solid #cccccc 0.5pt; border-bottom: solid #cccccc 0.5pt; border-top: solid #1a3557 0.5pt; vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Substantial<\/span><\/p><\/td><td style=\"border-left: solid #cccccc 0.5pt; border-right: solid #cccccc 0.5pt; border-bottom: solid #cccccc 0.5pt; border-top: solid #1a3557 0.5pt; vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.348<\/span><\/p><\/td><td style=\"border-left: solid #cccccc 0.5pt; border-right: solid #cccccc 0.5pt; border-bottom: solid #cccccc 0.5pt; border-top: solid #1a3557 0.5pt; vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Strong<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Income Stability (IS)<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.421<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Moderate<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.214<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Confirmed<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Savings Behaviour (SB)<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.368<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Moderate<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.181<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Confirmed<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Access to Formal Credit (AC)<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.296<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Weak\u2013Moderate<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.143<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Confirmed<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Business Growth (BG)<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.394<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Moderate<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.198<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Confirmed<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Financial Security (FS)<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.378<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Moderate<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.186<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Confirmed<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Sustainable Livelihood (SL)<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.342<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Moderate<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.164<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Confirmed<\/span><\/p><\/td><\/tr><\/tbody><\/table><\/div><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 2pt; margin-bottom: 3pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #6b7280; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">R\u00b2 benchmarks: 0.19=Weak | 0.33=Moderate | 0.67=Substantial (Hair et al., 2019) | Q\u00b2 &gt; 0 confirms predictive relevance<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 13pt; margin-bottom: 5pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">4.4 Multi-Group Analysis: Gender Differences<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 9pt; margin-bottom: 3pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #1a3557; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Table 4.6: Multi-Group Analysis &#8211; Male vs Female Respondents (Permutation MGA)<\/span><\/p><div dir=\"ltr\" style=\"margin-left: -0.55pt;\" align=\"left\"><table style=\"border: none; border-collapse: collapse;\"><colgroup><col width=\"107\" \/><col width=\"93\" \/><col width=\"93\" \/><col width=\"60\" \/><col width=\"80\" \/><col width=\"180\" \/><\/colgroup><tbody><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #1a3557; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #1a3557 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #ffffff; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Path<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #1a3557; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #1a3557 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #ffffff; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Male \u03b2 (n=196)<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #1a3557; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #1a3557 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #ffffff; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Female \u03b2 (n=124)<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #1a3557; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #1a3557 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #ffffff; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">\u0394\u03b2<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #1a3557; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #1a3557 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #ffffff; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">p (MGA)<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #1a3557; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #1a3557 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #ffffff; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Significance<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"border-left: solid #cccccc 0.5pt; border-right: solid #cccccc 0.5pt; border-bottom: solid #cccccc 0.5pt; border-top: solid #1a3557 0.5pt; vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">PE \u2192 UPIA<\/span><\/p><\/td><td style=\"border-left: solid #cccccc 0.5pt; border-right: solid #cccccc 0.5pt; border-bottom: solid #cccccc 0.5pt; border-top: solid #1a3557 0.5pt; vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.298<\/span><\/p><\/td><td style=\"border-left: solid #cccccc 0.5pt; border-right: solid #cccccc 0.5pt; border-bottom: solid #cccccc 0.5pt; border-top: solid #1a3557 0.5pt; vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.341<\/span><\/p><\/td><td style=\"border-left: solid #cccccc 0.5pt; border-right: solid #cccccc 0.5pt; border-bottom: solid #cccccc 0.5pt; border-top: solid #1a3557 0.5pt; vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.043<\/span><\/p><\/td><td style=\"border-left: solid #cccccc 0.5pt; border-right: solid #cccccc 0.5pt; border-bottom: solid #cccccc 0.5pt; border-top: solid #1a3557 0.5pt; vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.312<\/span><\/p><\/td><td style=\"border-left: solid #cccccc 0.5pt; border-right: solid #cccccc 0.5pt; border-bottom: solid #cccccc 0.5pt; border-top: solid #1a3557 0.5pt; vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">ns<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">EE \u2192 UPIA<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.181<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.228<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.047<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.264<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">ns<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">SI \u2192 UPIA<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.198<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.274<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.076<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.048<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">* Significant<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">TS \u2192 UPIA<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.241<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.318<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.077<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.041<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">* Significant<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">UPIA \u2192 IS<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.412<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.428<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.016<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.782<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">ns<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">UPIA \u2192 AC<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.306<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.228<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.078<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.038<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">* Significant<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">UPIA \u2192 SL<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.328<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.291<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.037<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">0.421<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">ns<\/span><\/p><\/td><\/tr><\/tbody><\/table><\/div><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 2pt; margin-bottom: 3pt;\"><span style=\"font-size: 12pt; font-family: Arial, sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">ns = not significant | * p &lt; 0.05 | MGA using permutation method (Ringle et al., 2020)<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\"><br \/><\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">5. Key Findings<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">All thirteen hypotheses are empirically supported. The following findings emerge from the integrated analysis.<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">5.1 UPI Adoption Determinants (H1\u2013H6)<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Performance expectancy emerges as the strongest adoption predictor (\u03b2 = 0.312, p &lt; 0.001), indicating that Bengaluru&#8217;s informal traders evaluate UPI primarily through its functional business utility. Habit ranks second (\u03b2 = 0.289), reflecting that for the majority of respondents who have used UPI for over one-year, digital payment behavior has transitioned from deliberate choice to automatic routine. Trust and Perceived Security ranks third (\u03b2 = 0.263), underscoring that confidence in UPI&#8217;s fraud protection architecture remains foundational for sustained adoption among financially vulnerable populations. Social Influence (\u03b2 = 0.224) and Effort Expectancy (\u03b2 = 0.198) follow, while Facilitating Conditions records the weakest but still significant effect (\u03b2 = 0.176). The combined UTAUT2 constructs explain 62.4 percent of variance in UPI adoption (R\u00b2 = 0.624), representing substantial predictive power.<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Finding 1: Performance expectancy and habit are the two dominant drivers of UPI adoption. Over time, rational adoption transforms into automatic digital behavior a pattern consistent with UTAUT2 theory and with the long UPI experience profile of the sample.<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">5.2 Financial Empowerment Outcomes (H7\u2013H12)<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">UPI adoption significantly and positively influences all six empowerment outcomes. Income stability is the strongest outcome (\u03b2 = 0.418), confirming that the most immediately felt benefit of UPI adoption is more regular and predictable revenue flow. Business growth perception follows (\u03b2 = 0.388), indicating vendors perceive meaningful expansion in customer base and turnover. Financial security (\u03b2 = 0.356) and savings behavior (\u03b2 = 0.341) occupy the middle tier. Sustainable livelihood (\u03b2 = 0.312) and access to formal credit (\u03b2 = 0.274) are the weakest empowerment outcomes the latter representing the most critical policy gap in the study. The low mean score for credit access (M = 3.21) corroborates that despite active UPI usage, structural barriers to institutional credit persist among Bengaluru&#8217;s informal traders.<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Finding 2: UPI adoption most powerfully improves income stability and business growth perception. Its weakest effect is on formal credit access revealing a last-mile gap between digital payment adoption and genuine financial inclusion that requires deliberate policy intervention<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">5.3 Financial Literacy Moderation (H13)<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Financial literacy significantly moderates the UPI adoption\u2013empowerment relationship (\u03b2 = 0.187, p = 0.001, f\u00b2 = 0.054). The positive direction confirms that higher financial literacy amplifies empowerment benefits. Vendors combining active UPI usage with adequate financial literacy demonstrate superior ability to leverage digital transaction histories for credit applications, engage savings tools embedded in UPI platforms, and interpret income patterns for business planning consistent with Lusardi and Mitchell (2022) and Johnson and Sherraden (2019).<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Finding 3: Financial literacy is a positive multiplier of UPI&#8217;s empowerment effects. Vendors with higher financial literacy extract significantly more empowerment value from the same level of adoption positioning financial education as a critical force multiplier for digital financial inclusion.<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">5.4 Gender-Based Findings<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Female vendors show significantly stronger responsiveness to social influence (\u0394\u03b2 = 0.076, p = 0.048) and trust signals (\u0394\u03b2 = 0.077, p = 0.041) as adoption drivers, while male vendors demonstrate stronger translation of UPI adoption into formal credit access (\u0394\u03b2 = 0.078, p = 0.038). These findings confirm that a uniform digital financial inclusion strategy is insufficient and that gender-responsive design is necessary for equitable empowerment outcomes.<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">6. Discussion<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">6.1 Theoretical Contributions<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">This study makes three distinct theoretical contributions. First, it integrates UTAUT2 with Sherraden&#8217;s Financial Empowerment Framework a combination that resolves a persistent gap in fintech adoption literature by operationalizing adoption determinants and empowerment outcomes as a unified causal chain rather than isolated constructs. The high R\u00b2 of 0.624 for UPI adoption confirms that UTAUT2 constructs collectively capture the majority of meaningful adoption variance even among low-literacy, resource-constrained vendors significantly different from the framework&#8217;s original validation samples.<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Second, the study extends UTAUT2&#8217;s validated scope to informal economy contexts in developing nations \u2014 a population largely absent from the framework&#8217;s prior applications as documented by Tamilmani et al. (2021). Third, the moderation finding contributes to the financial literacy and empowerment literature by demonstrating that financial literacy does not merely correlate with empowerment outcomes but actively amplifies the empowerment effects of fintech adoption \u2014 positioning literacy as a structural capability that determines how effectively individuals convert digital financial access into economic empowerment.<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">6.2 Comparison with Prior Studies<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">The dominance of performance expectancy as an adoption predictor is consistent with Patil et al. (2020) but contrasts with Alalwan et al. (2017), who find trust dominant in mobile banking adoption among Jordanian customers. This divergence reflects contextual differences: Bengaluru&#8217;s informal vendors evaluate UPI primarily as a practical business tool rather than a savings platform, making functional utility more salient than security concerns per se. The relatively weaker effect of UPI adoption on formal credit access (\u03b2 = 0.274) compared to Kumar et al.&#8217;s (2021) MSME findings may reflect the greater degree of business formalization and technology literacy in Kumar et al.&#8217;s sample relative to the present study&#8217;s informal trader population.<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">6.3 Contextual Significance for Bengaluru<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Bengaluru&#8217;s identity as India&#8217;s fintech capital creates a paradox this study helps illuminate: the city possesses the most advanced fintech ecosystem in the country, yet a significant proportion of its informal retail workforce has not fully converted digital payment adoption into financial empowerment. The co-existence of PhonePe and Google Pay headquarters alongside financially precarious street vendors in KR Market reflects a last-mile adoption\u2013empowerment gap that technology infrastructure alone cannot bridge. Human capital investments in financial literacy and targeted credit product design are the missing links between digital payment access and genuine financial empowerment for Bengaluru&#8217;s informal trading community.<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">7. Suggestions and Recommendations<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">7.1 For the Reserve Bank of India and NPCI<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">The RBI should establish a structured framework for UPI transaction data utilization in credit underwriting, mandating that scheduled commercial banks and registered NBFCs accept verified UPI transaction history as a primary credit underwriting input for loans up to \u20b95 lakh to informal micro-entrepreneurs. NPCI should develop a UPI Business Score computed from UPI transaction patterns made available to lenders and to vendors themselves to incentivize consistent UPI usage and create transparency in credit eligibility assessment. The RBI Innovation Hub, headquartered in Bengaluru, is ideally positioned to prototype and pilot this instrument in the city&#8217;s commercial zones.<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Recommendation 1: Establish a UPI-based credit scoring framework that formally recognizes digital transaction history as collateral-equivalent evidence of creditworthiness for informal micro-entrepreneurs \u2014 converting UPI from a payment tool into a financial passport.<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">7.2 For the Karnataka State Government<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">The Karnataka government should mandate inclusion of UPI literacy as a component of all skill development programmes administered through KVTSDC, delivered in Kannada and covering not only basic transaction operations but also savings tools, insurance products, and credit applications. Female-led peer learning groups should be incorporated into all training programmes given that women demonstrate higher sensitivity to social influence in adoption. The BBMP should develop a UPI-Enabled Vendor Registration system linking vendor licensing to active UPI acceptance, creating formal digital identities for street vendors that serve as foundations for credit access, health insurance, and government procurement participation.<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Recommendation 2: Integrate UPI financial literacy into state skill development programmes and link vendor digital identity to BBMP civic registration converting adoption into institutional recognition and bureaucratic inclusion<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">7.3 For Fintech Companies in Bengaluru<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Bengaluru-based fintech lenders should develop dedicated UPI-linked micro-credit products for street vendors and Kirana store owners, with simplified KYC relying on UPI transaction history, loan sizes calibrated to vendor turnover profiles (\u20b95,000\u2013\u20b91,00,000), and weekly repayment options aligned with irregular income cycles. UPI app providers should integrate financial wellness features automated savings round-ups, micro-insurance enrolment, and income tracking dashboards prominently into vendor-facing interfaces in regional languages, using gamification to improve engagement with financially less literate users.<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Recommendation 3: Design UPI-native micro-credit and financial wellness products tailored to the income patterns, literacy levels, and language preferences of Bengaluru&#8217;s informal micro-entrepreneur community.<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">7.4 For Academic and Civil Society Institutions<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">IIMB should partner with NPCI and KVTSDC to develop a standardized Financial Literacy for Digital Vendors curriculum deployable through existing market-level self-help group networks. Civil society organizations working with urban informal workers in Bengaluru should incorporate UPI empowerment audits into their vendor outreach activities, helping vendors assess whether their UPI usage is generating meaningful financial benefits and identifying where additional support is needed.<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">8. Conclusion<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">This study set out to examine whether UPI adoption translates into tangible financial empowerment for street vendors and Kirana store owners in Bengaluru. Collecting primary survey data from 320 respondents across five commercial zones and analyzing it through PLS-SEM, the study provides one of the first city-level empirical investigations of the UPI\u2013financial empowerment relationship in India&#8217;s informal retail sector.<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">The evidence is clear and consistent: UPI adoption generates statistically significant and practically meaningful financial empowerment outcomes across all six dimensions examined. All thirteen hypotheses are supported, and the integrated UTAUT2 and Financial Empowerment Framework proves to be a theoretically robust and empirically productive lens for studying digital financial inclusion in this context.<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">However, the findings also reveal critical nuances. Income stability and business growth perception are strongly improved, but formal credit access remains the weakest empowerment outcome indicating that digital payment adoption alone is insufficient to dismantle deep-seated structural barriers that exclude informal traders from institutional credit markets. Financial literacy acts as a critical amplifier of empowerment outcomes, yet it\u2019s generally low levels among the study population mean that significant empowerment potential remains unrealized. Gender disparities persist, with women vendors facing additional structural constraints in converting UPI adoption into credit access.<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">From a Sustainable Development Goals perspective, this study demonstrates that UPI adoption contributes meaningfully to SDG 1 (No Poverty) through income stabilization, SDG 8 (Decent Work and Economic Growth) through business growth and formalization, and SDG 10 (Reduced Inequalities) through financial inclusion but that full realization of these contributions depends on complementary investments in financial capability, credit access, and gender equity beyond digital payment promotion alone.<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">UPI is India&#8217;s most powerful financial inclusion tool yet deployed at scale. In Bengaluru&#8217;s informal economy, it has delivered measurable empowerment gains \u2014 but unlocking its full transformative potential requires the fintech ecosystem, government, and civil society to work together to bridge the gap between digital payment access and deep, lasting financial empowerment.<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">9. Limitations and Future Scope of Research<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">9.1 Limitations of the Present Study<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Four principal limitations should be considered when interpreting findings. First, the cross-sectional design captures a snapshot at a single point in time, precluding longitudinal causal trajectories of empowerment outcomes as UPI usage deepens. Second, reliance on self-reported survey data introduces potential social desirability bias, which personal interview administration minimizes but cannot fully eliminate. Third, the geographic scope is limited to five commercial zones in Bengaluru, limiting generalizability to Tier 2 and Tier 3 cities with different infrastructure, literacy, and fintech maturity profiles. Fourth, all empowerment constructs are measured through perceived indicators, which may not fully align with objective financial outcomes such as actual credit disbursements or verified savings balances.<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\"><br \/><\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">9.2 Future Research Directions<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: center; margin-top: 9pt; margin-bottom: 3pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #1a3557; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Table 9.1: Future Research Agenda<\/span><\/p><div dir=\"ltr\" style=\"margin-left: -0.55pt;\" align=\"left\"><table style=\"border: none; border-collapse: collapse;\"><colgroup><col width=\"35\" \/><col width=\"174\" \/><col width=\"132\" \/><col width=\"246\" \/><\/colgroup><tbody><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #1a3557; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #1a3557 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #ffffff; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">#<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #1a3557; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #1a3557 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #ffffff; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Research Direction<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #1a3557; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #1a3557 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #ffffff; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Proposed Design<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #1a3557; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #1a3557 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #ffffff; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Key Contribution<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"border-left: solid #cccccc 0.5pt; border-right: solid #cccccc 0.5pt; border-bottom: solid #cccccc 0.5pt; border-top: solid #1a3557 0.5pt; vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">1<\/span><\/p><\/td><td style=\"border-left: solid #cccccc 0.5pt; border-right: solid #cccccc 0.5pt; border-bottom: solid #cccccc 0.5pt; border-top: solid #1a3557 0.5pt; vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Longitudinal UPI-empowerment study<\/span><\/p><\/td><td style=\"border-left: solid #cccccc 0.5pt; border-right: solid #cccccc 0.5pt; border-bottom: solid #cccccc 0.5pt; border-top: solid #1a3557 0.5pt; vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Panel survey: 3 waves over 3 years<\/span><\/p><\/td><td style=\"border-left: solid #cccccc 0.5pt; border-right: solid #cccccc 0.5pt; border-bottom: solid #cccccc 0.5pt; border-top: solid #1a3557 0.5pt; vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Establishes causal trajectory of empowerment over time<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">2<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Multi-city comparative study<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Survey in 5 Indian cities<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Tests city-level fintech maturity as moderator<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">3<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Objective financial data integration<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Partner with NPCI\/PhonePe for transaction records<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Eliminates self-report bias; validates perceptions<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">4<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Women vendors in-depth study<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Mixed methods: 50 in-depth interviews<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Reveals structural barriers to credit for women<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">5<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">UPI Credit Score feasibility<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Policy simulation with RBI Innovation Hub<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Assesses UPI-based credit scoring viability<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">6<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Rural Karnataka adoption study<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Survey of agricultural traders in Karnataka<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Extends findings to rural context<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">7<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">WhatsApp Pay vs CBDC adoption<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Comparative adoption study<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Anticipates next digital payment evolution<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">8<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Financial literacy RCT<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Randomized controlled trial<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Causal evidence on literacy\u2013empowerment pathway<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">9<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Platform dependency risks<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Qualitative study on PhonePe dominance<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #f8faff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Examines concentration risk in ecosystem<\/span><\/p><\/td><\/tr><tr style=\"height: 0pt;\"><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">10<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Cross-country comparison<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">India (UPI) vs Kenya (M-Pesa) vs Brazil (Pix)<\/span><\/p><\/td><td style=\"vertical-align: middle; background-color: #ffffff; padding: 4.5pt 7pt 4.5pt 7pt; overflow: hidden; overflow-wrap: break-word; border: solid #cccccc 0.5pt;\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Positions India in global digital payment landscape<\/span><\/p><\/td><\/tr><\/tbody><\/table><\/div><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 2pt; margin-bottom: 3pt;\"><span style=\"font-size: 12pt; font-family: Arial, sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Priority classification based on theoretical novelty, policy relevance, and feasibility in Indian context<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 3pt; margin-bottom: 5pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Among these directions, three deserve particular emphasis. A longitudinal panel study following the same vendor cohort over three years would provide the strongest causal evidence on the empowerment trajectory. A randomized controlled trial testing a structured UPI financial literacy intervention would provide actionable causal evidence on the moderation pathway identified in this study. A UPI Credit Score feasibility study conducted with the RBI Innovation Hub in Bengaluru would have the most direct and immediate policy impact potentially unlocking formal credit access for millions of digitally active but credit-invisible informal traders across India.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-03e5f64 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"03e5f64\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f852b97\" data-id=\"f852b97\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-28d50ff elementor-widget elementor-widget-heading\" data-id=\"28d50ff\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Statements &amp; Declarations<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4d32044 elementor-widget elementor-widget-text-editor\" data-id=\"4d32044\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Author\u2019s Contribution: Meghana C. is the primary investigator and sole author of this research. The author was responsible for the study design, primary data collection among street vendors and Kirana owners in Bengaluru, statistical analysis of the financial empowerment indices, and the drafting of the final manuscript.<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Peer Review: This article has undergone a double-blind peer-review process managed by the Editorial Board of <\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Shodh Sari-An International Multidisciplinary Journal<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">. Independent reviewers with expertise in Financial Inclusion and Digital Commerce evaluated the paper for its methodological validity, localized economic impact, and contribution to the digital finance discourse.<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Competing Interests: The author declares that there are no financial, personal, or professional conflicts of interest that could inappropriately influence or bias the findings presented in this research.<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Funding: The author declares that no specific grant or financial support from any funding agency in the public, commercial, or not-for-profit sectors was received for this research.<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Data Availability: The data that support the findings of this study, including survey responses and interview transcripts, are available from the author upon reasonable request, ensuring the privacy and anonymity of the participants involved in the Bengaluru-based field study.<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Ethical Approval: This research adheres to the ethical standards for social science research. Informed consent was obtained from all participants (street vendors and Kirana store owners) prior to data collection. The study was conducted with full respect for the participants&#8217; time and business operations.<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 8pt;\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">License: UPI-Driven Financial Empowerment of Street Vendors and Kirana Store Owners in Bengaluru, authored by Meghana C., is licensed under a Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License (CC BY-NC-ND 4.0). Published by ICERT.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4afbf7f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4afbf7f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-92ec65b\" data-id=\"92ec65b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0453129 elementor-widget elementor-widget-heading\" data-id=\"0453129\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">References\n<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-19ef0cb elementor-widget elementor-widget-text-editor\" data-id=\"19ef0cb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ol style=\"margin-top: 0; margin-bottom: 0; padding-inline-start: 48px;\"><li dir=\"ltr\" style=\"list-style-type: decimal; font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre;\" aria-level=\"1\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 1.5pt; margin-bottom: 0pt;\" role=\"presentation\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Alalwan, A. 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Adoption and impact of UPI-based payment systems among small retailers: Evidence from India. <\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Electronic Commerce Research and Applications<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">, <\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">51<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">, 101108. <\/span><a style=\"text-decoration: none;\" href=\"https:\/\/doi.org\/10.1016\/j.elerap.2021.101108\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #0000ff; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: underline; -webkit-text-decoration-skip: none; text-decoration-skip-ink: none; vertical-align: baseline; white-space: pre-wrap;\">https:\/\/doi.org\/10.1016\/j.elerap.2021.101108<\/span><\/a><\/p><\/li><li dir=\"ltr\" style=\"list-style-type: decimal; font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre;\" aria-level=\"1\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;\" role=\"presentation\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Bharadwaj, P., Jack, W., &amp; Suri, T. 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Fintech and household resilience to shocks: Evidence from digital loans in Kenya. <\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Journal of Development Economics<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">, <\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">136<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">, 169\u2013175. <\/span><a style=\"text-decoration: none;\" href=\"https:\/\/doi.org\/10.1016\/j.jdeveco.2018.08.004\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #0000ff; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: underline; -webkit-text-decoration-skip: none; text-decoration-skip-ink: none; vertical-align: baseline; white-space: pre-wrap;\">https:\/\/doi.org\/10.1016\/j.jdeveco.2018.08.004<\/span><\/a><\/p><\/li><li dir=\"ltr\" style=\"list-style-type: decimal; font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre;\" aria-level=\"1\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;\" role=\"presentation\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Demirg\u00fc\u00e7-Kunt, A., Klapper, L., &amp; Singer, D. 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Financial inclusion and inclusive growth: A review of recent empirical evidence. <\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">World Bank Policy Research Working Paper<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">, 8040. <\/span><a style=\"text-decoration: none;\" href=\"https:\/\/doi.org\/10.1596\/1813-9450-8040\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #0000ff; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: underline; -webkit-text-decoration-skip: none; text-decoration-skip-ink: none; vertical-align: baseline; white-space: pre-wrap;\">https:\/\/doi.org\/10.1596\/1813-9450-8040<\/span><\/a><\/p><\/li><li dir=\"ltr\" style=\"list-style-type: decimal; font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre;\" aria-level=\"1\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;\" role=\"presentation\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Demirg\u00fc\u00e7-Kunt, A., Klapper, L., Singer, D., Ansar, S., &amp; Hess, J. 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On the fintech revolution: Interpreting the forces of innovation, disruption, and transformation in financial services. <\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Journal of Management Information Systems<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">, <\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">35<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">(1), 220\u2013265. <\/span><a style=\"text-decoration: none;\" href=\"https:\/\/doi.org\/10.1080\/07421222.2018.1440766\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #0000ff; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: underline; -webkit-text-decoration-skip: none; text-decoration-skip-ink: none; vertical-align: baseline; white-space: pre-wrap;\">https:\/\/doi.org\/10.1080\/07421222.2018.1440766<\/span><\/a><\/p><\/li><li dir=\"ltr\" style=\"list-style-type: decimal; font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre;\" aria-level=\"1\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;\" role=\"presentation\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Hair, J. F., Risher, J. J., Sarstedt, M., &amp; Ringle, C. M. (2019). When to use and how to report results of PLS-SEM. <\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">European Business Review<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">, <\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">31<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">(1), 2\u201324. <\/span><a style=\"text-decoration: none;\" href=\"https:\/\/doi.org\/10.1108\/EBR-11-2018-0203\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #0000ff; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: underline; -webkit-text-decoration-skip: none; text-decoration-skip-ink: none; vertical-align: baseline; white-space: pre-wrap;\">https:\/\/doi.org\/10.1108\/EBR-11-2018-0203<\/span><\/a><\/p><\/li><li dir=\"ltr\" style=\"list-style-type: decimal; font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre;\" aria-level=\"1\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;\" role=\"presentation\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Henseler, J., Ringle, C. M., &amp; Sarstedt, M. (2015). A new criterion for assessing discriminant validity in variance-based structural equation modeling. <\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Journal of the Academy of Marketing Science<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">, <\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">43<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">(1), 115\u2013135. <\/span><a style=\"text-decoration: none;\" href=\"https:\/\/doi.org\/10.1007\/s11747-014-0403-8\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #0000ff; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: underline; -webkit-text-decoration-skip: none; text-decoration-skip-ink: none; vertical-align: baseline; white-space: pre-wrap;\">https:\/\/doi.org\/10.1007\/s11747-014-0403-8<\/span><\/a><\/p><\/li><li dir=\"ltr\" style=\"list-style-type: decimal; font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre;\" aria-level=\"1\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;\" role=\"presentation\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Johnson, E., &amp; Sherraden, M. S. (2019). From financial literacy to financial capability among youth. <\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Journal of Sociology and Social Welfare<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">, <\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">34<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">(3), 119\u2013145.<\/span><\/p><\/li><li dir=\"ltr\" style=\"list-style-type: decimal; font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre;\" aria-level=\"1\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;\" role=\"presentation\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Kapoor, A. (2018). Financial inclusion and the future of the Indian economy. <\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Futures<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">, <\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">56<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">, 35\u201342. <\/span><a style=\"text-decoration: none;\" href=\"https:\/\/doi.org\/10.1016\/j.futures.2013.10.007\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #0000ff; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: underline; -webkit-text-decoration-skip: none; text-decoration-skip-ink: none; vertical-align: baseline; white-space: pre-wrap;\">https:\/\/doi.org\/10.1016\/j.futures.2013.10.007<\/span><\/a><\/p><\/li><li dir=\"ltr\" style=\"list-style-type: decimal; font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre;\" aria-level=\"1\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;\" role=\"presentation\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Khera, P., Ng, S., Ogawa, S., &amp; Sahay, R. (2021). Is digital financial inclusion unlocking growth? <\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">IMF Working Paper<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">, <\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">21<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">(167). <\/span><a style=\"text-decoration: none;\" href=\"https:\/\/doi.org\/10.5089\/9781513590813.001\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #0000ff; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: underline; -webkit-text-decoration-skip: none; text-decoration-skip-ink: none; vertical-align: baseline; white-space: pre-wrap;\">https:\/\/doi.org\/10.5089\/9781513590813.001<\/span><\/a><\/p><\/li><li dir=\"ltr\" style=\"list-style-type: decimal; font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre;\" aria-level=\"1\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;\" role=\"presentation\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Klapper, L., Lusardi, A., &amp; van Oudheusden, P. (2020). <\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Financial literacy around the world: Insights from the S&amp;P Global Financial Literacy Survey<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">. World Bank Group.<\/span><\/p><\/li><li dir=\"ltr\" style=\"list-style-type: decimal; font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre;\" aria-level=\"1\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;\" role=\"presentation\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Kumar, V., Nim, N., &amp; Sharma, A. (2021). App-enabled seller financing for MSMEs: Evidence from India&#8217;s digital lending ecosystem. <\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Journal of International Business Studies<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">, <\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">52<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">(5), 884\u2013904. <\/span><a style=\"text-decoration: none;\" href=\"https:\/\/doi.org\/10.1057\/s41267-020-00368-w\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #0000ff; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: underline; -webkit-text-decoration-skip: none; text-decoration-skip-ink: none; vertical-align: baseline; white-space: pre-wrap;\">https:\/\/doi.org\/10.1057\/s41267-020-00368-w<\/span><\/a><\/p><\/li><li dir=\"ltr\" style=\"list-style-type: decimal; font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre;\" aria-level=\"1\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;\" role=\"presentation\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Lusardi, A., &amp; Mitchell, O. S. (2022). The importance of financial literacy: Opening a new field. <\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Journal of Economic Literature<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">, <\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">60<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">(4), 1346\u20131391. <\/span><a style=\"text-decoration: none;\" href=\"https:\/\/doi.org\/10.1257\/jel.20201561\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #0000ff; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: underline; -webkit-text-decoration-skip: none; text-decoration-skip-ink: none; vertical-align: baseline; white-space: pre-wrap;\">https:\/\/doi.org\/10.1257\/jel.20201561<\/span><\/a><\/p><\/li><li dir=\"ltr\" style=\"list-style-type: decimal; font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre;\" aria-level=\"1\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;\" role=\"presentation\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Ministry of Electronics and Information Technology. (2022). <\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">India digital economy report 2022<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">. Government of India. <\/span><a style=\"text-decoration: none;\" href=\"https:\/\/www.meity.gov.in\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #0000ff; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: underline; -webkit-text-decoration-skip: none; text-decoration-skip-ink: none; vertical-align: baseline; white-space: pre-wrap;\">https:\/\/www.meity.gov.in<\/span><\/a><\/p><\/li><li dir=\"ltr\" style=\"list-style-type: decimal; font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre;\" aria-level=\"1\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;\" role=\"presentation\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Muganyi, T., Yan, L., &amp; Sun, H. P. (2022). Green finance, fintech and environmental protection: Evidence from China. <\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Environmental Science and Ecotechnology<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">, <\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">7<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">, 100107. <\/span><a style=\"text-decoration: none;\" href=\"https:\/\/doi.org\/10.1016\/j.ese.2021.100107\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #0000ff; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: underline; -webkit-text-decoration-skip: none; text-decoration-skip-ink: none; vertical-align: baseline; white-space: pre-wrap;\">https:\/\/doi.org\/10.1016\/j.ese.2021.100107<\/span><\/a><\/p><\/li><li dir=\"ltr\" style=\"list-style-type: decimal; font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre;\" aria-level=\"1\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;\" role=\"presentation\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">National Payments Corporation of India. (2023). <\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">UPI product statistics: Monthly transaction data<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">. NPCI. <\/span><a style=\"text-decoration: none;\" href=\"https:\/\/www.npci.org.in\/what-we-do\/upi\/product-statistics\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #0000ff; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: underline; -webkit-text-decoration-skip: none; text-decoration-skip-ink: none; vertical-align: baseline; white-space: pre-wrap;\">https:\/\/www.npci.org.in\/what-we-do\/upi\/product-statistics<\/span><\/a><\/p><\/li><li dir=\"ltr\" style=\"list-style-type: decimal; font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre;\" aria-level=\"1\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;\" role=\"presentation\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Ozili, P. K. (2018). Impact of digital finance on financial inclusion and stability. <\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Borsa Istanbul Review<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">, <\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">18<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">(4), 329\u2013340. <\/span><a style=\"text-decoration: none;\" href=\"https:\/\/doi.org\/10.1016\/j.bir.2017.12.003\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #0000ff; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: underline; -webkit-text-decoration-skip: none; text-decoration-skip-ink: none; vertical-align: baseline; white-space: pre-wrap;\">https:\/\/doi.org\/10.1016\/j.bir.2017.12.003<\/span><\/a><\/p><\/li><li dir=\"ltr\" style=\"list-style-type: decimal; font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre;\" aria-level=\"1\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;\" role=\"presentation\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Patil, P., Tamilmani, K., Rana, N. P., &amp; Raghavan, V. (2020). Understanding consumer adoption of mobile payment in India: Extending Meta-UTAUT model with personal innovativeness, anxiety, trust, and grievance redressal. <\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">International Journal of Information Management<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">, <\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">54<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">, 102144. <\/span><a style=\"text-decoration: none;\" href=\"https:\/\/doi.org\/10.1016\/j.ijinfomgt.2020.102144\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #0000ff; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: underline; -webkit-text-decoration-skip: none; text-decoration-skip-ink: none; vertical-align: baseline; white-space: pre-wrap;\">https:\/\/doi.org\/10.1016\/j.ijinfomgt.2020.102144<\/span><\/a><\/p><\/li><li dir=\"ltr\" style=\"list-style-type: decimal; font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre;\" aria-level=\"1\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;\" role=\"presentation\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Pazarbasioglu, C., Garcia Mora, A., Uttamchandani, M., Natarajan, H., Feyen, E., &amp; Saal, M. (2020). <\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Digital financial services<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">. World Bank Group. <\/span><a style=\"text-decoration: none;\" href=\"https:\/\/documents.worldbank.org\/en\/publication\/documents-reports\/documentdetail\/896971587038107720\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #0000ff; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: underline; -webkit-text-decoration-skip: none; text-decoration-skip-ink: none; vertical-align: baseline; white-space: pre-wrap;\">https:\/\/documents.worldbank.org\/en\/publication\/documents-reports\/documentdetail\/896971587038107720<\/span><\/a><\/p><\/li><li dir=\"ltr\" style=\"list-style-type: decimal; font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre;\" aria-level=\"1\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;\" role=\"presentation\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Raghunathan, K., Chakrabarti, S., &amp; Bhattacharya, S. (2022). Street vendor digitalization and livelihood resilience during COVID-19: Lessons from Indian cities. <\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">World Development<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">, <\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">158<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">, 105979. <\/span><a style=\"text-decoration: none;\" href=\"https:\/\/doi.org\/10.1016\/j.worlddev.2022.105979\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #0000ff; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: underline; -webkit-text-decoration-skip: none; text-decoration-skip-ink: none; vertical-align: baseline; white-space: pre-wrap;\">https:\/\/doi.org\/10.1016\/j.worlddev.2022.105979<\/span><\/a><\/p><\/li><li dir=\"ltr\" style=\"list-style-type: decimal; font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre;\" aria-level=\"1\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;\" role=\"presentation\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Raman, A., &amp; Aashker, A. (2022). Measuring UPI transaction growth and its macroeconomic implications in the Indian context. <\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Cogent Economics &amp; Finance<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">, <\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">10<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">(1), 2038792. <\/span><a style=\"text-decoration: none;\" href=\"https:\/\/doi.org\/10.1080\/23322039.2022.2038792\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #0000ff; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: underline; -webkit-text-decoration-skip: none; text-decoration-skip-ink: none; vertical-align: baseline; white-space: pre-wrap;\">https:\/\/doi.org\/10.1080\/23322039.2022.2038792<\/span><\/a><\/p><\/li><li dir=\"ltr\" style=\"list-style-type: decimal; font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre;\" aria-level=\"1\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;\" role=\"presentation\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Riley, E. (2018). Mobile money and risk sharing against village shocks. <\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Journal of Development Economics<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">, <\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">135<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">, 43\u201358. <\/span><a style=\"text-decoration: none;\" href=\"https:\/\/doi.org\/10.1016\/j.jdeveco.2018.06.015\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #0000ff; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: underline; -webkit-text-decoration-skip: none; text-decoration-skip-ink: none; vertical-align: baseline; white-space: pre-wrap;\">https:\/\/doi.org\/10.1016\/j.jdeveco.2018.06.015<\/span><\/a><\/p><\/li><li dir=\"ltr\" style=\"list-style-type: decimal; font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre;\" aria-level=\"1\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;\" role=\"presentation\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Ringle, C. M., Sarstedt, M., Mitchell, R., &amp; Gudergan, S. P. (2020). Partial least squares structural equation modeling in HRM research. <\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">International Journal of Human Resource Management<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">, <\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">31<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">(12), 1617\u20131643. <\/span><a style=\"text-decoration: none;\" href=\"https:\/\/doi.org\/10.1080\/09585192.2017.1416655\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #0000ff; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: underline; -webkit-text-decoration-skip: none; text-decoration-skip-ink: none; vertical-align: baseline; white-space: pre-wrap;\">https:\/\/doi.org\/10.1080\/09585192.2017.1416655<\/span><\/a><\/p><\/li><li dir=\"ltr\" style=\"list-style-type: decimal; font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre;\" aria-level=\"1\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;\" role=\"presentation\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Sahoo, P., &amp; Panda, R. (2019). Digital payments in India: Opportunities, challenges and way forward. <\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Economic and Political Weekly<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">, <\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">54<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">(32), 17\u201319.<\/span><\/p><\/li><li dir=\"ltr\" style=\"list-style-type: decimal; font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre;\" aria-level=\"1\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;\" role=\"presentation\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Sharma, S. K., &amp; Sharma, M. (2019). Examining the role of trust and quality dimensions in the actual usage of mobile banking services: An empirical investigation. <\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">International Journal of Information Management<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">, <\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">44<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">, 65\u201375. <\/span><a style=\"text-decoration: none;\" href=\"https:\/\/doi.org\/10.1016\/j.ijinfomgt.2018.09.013\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #0000ff; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: underline; -webkit-text-decoration-skip: none; text-decoration-skip-ink: none; vertical-align: baseline; white-space: pre-wrap;\">https:\/\/doi.org\/10.1016\/j.ijinfomgt.2018.09.013<\/span><\/a><\/p><\/li><li dir=\"ltr\" style=\"list-style-type: decimal; font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre;\" aria-level=\"1\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;\" role=\"presentation\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Sherraden, M. S. (2013). Building blocks of financial capability. In J. Birkenmaier, M. Sherraden, &amp; J. Curley (Eds.), <\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Financial capability and asset development: Research, education, policy, and practice<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\"> (pp. 3\u201343). Oxford University Press.<\/span><\/p><\/li><li dir=\"ltr\" style=\"list-style-type: decimal; font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre;\" aria-level=\"1\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;\" role=\"presentation\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Singh, N., Sinha, N., &amp; Li\u00e9bana-Cabanillas, F. J. (2020). Determining factors in the adoption and recommendation of mobile wallet services in India: Analysis of the effect of innovativeness, stress to use and social influence. <\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">International Journal of Information Management<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">, <\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">50<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">, 191\u2013205. <\/span><a style=\"text-decoration: none;\" href=\"https:\/\/doi.org\/10.1016\/j.ijinfomgt.2019.05.022\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #0000ff; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: underline; -webkit-text-decoration-skip: none; text-decoration-skip-ink: none; vertical-align: baseline; white-space: pre-wrap;\">https:\/\/doi.org\/10.1016\/j.ijinfomgt.2019.05.022<\/span><\/a><\/p><\/li><li dir=\"ltr\" style=\"list-style-type: decimal; font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre;\" aria-level=\"1\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;\" role=\"presentation\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Sundaram, N., &amp; Sriram, M. (2021). Gender differences in digital financial literacy and UPI adoption among low-income urban households in South India. <\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Asian Journal of Women&#8217;s Studies<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">, <\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">27<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">(3), 312\u2013334. <\/span><a style=\"text-decoration: none;\" href=\"https:\/\/doi.org\/10.1080\/12259276.2021.1944893\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #0000ff; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: underline; -webkit-text-decoration-skip: none; text-decoration-skip-ink: none; vertical-align: baseline; white-space: pre-wrap;\">https:\/\/doi.org\/10.1080\/12259276.2021.1944893<\/span><\/a><\/p><\/li><li dir=\"ltr\" style=\"list-style-type: decimal; font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre;\" aria-level=\"1\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;\" role=\"presentation\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Tamilmani, K., Rana, N. P., Wamba, S. F., &amp; Dwivedi, Y. K. (2021). The extended unified theory of acceptance and use of technology (UTAUT2): A systematic literature review and theory evaluation. <\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">International Journal of Information Management<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">, <\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">57<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">, 102269. <\/span><a style=\"text-decoration: none;\" href=\"https:\/\/doi.org\/10.1016\/j.ijinfomgt.2020.102269\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #0000ff; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: underline; -webkit-text-decoration-skip: none; text-decoration-skip-ink: none; vertical-align: baseline; white-space: pre-wrap;\">https:\/\/doi.org\/10.1016\/j.ijinfomgt.2020.102269<\/span><\/a><\/p><\/li><li dir=\"ltr\" style=\"list-style-type: decimal; font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre;\" aria-level=\"1\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;\" role=\"presentation\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Thakur, R. (2018). Customer adoption of mobile payment services by professionals across two cities in India: An empirical study using modified technology acceptance model. <\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Business Perspectives and Research<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">, <\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">6<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">(2), 17\u201330. <\/span><a style=\"text-decoration: none;\" href=\"https:\/\/doi.org\/10.1177\/2278533718764408\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #0000ff; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: underline; -webkit-text-decoration-skip: none; text-decoration-skip-ink: none; vertical-align: baseline; white-space: pre-wrap;\">https:\/\/doi.org\/10.1177\/2278533718764408<\/span><\/a><\/p><\/li><li dir=\"ltr\" style=\"list-style-type: decimal; font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre;\" aria-level=\"1\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;\" role=\"presentation\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">United Nations. (2015). <\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Transforming our world: The 2030 agenda for sustainable development<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">. United Nations Department of Economic and Social Affairs. <\/span><a style=\"text-decoration: none;\" href=\"https:\/\/sdgs.un.org\/2030agenda\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #0000ff; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: underline; -webkit-text-decoration-skip: none; text-decoration-skip-ink: none; vertical-align: baseline; white-space: pre-wrap;\">https:\/\/sdgs.un.org\/2030agenda<\/span><\/a><\/p><\/li><li dir=\"ltr\" style=\"list-style-type: decimal; font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre;\" aria-level=\"1\"><p dir=\"ltr\" style=\"line-height: 1.7999999999999998; text-align: justify; margin-top: 0pt; margin-bottom: 1.5pt;\" role=\"presentation\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Venkatesh, V., Thong, J. Y. L., &amp; Xu, X. (2012). Consumer acceptance and use of information technology: Extending the unified theory of acceptance and use of technology. <\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">MIS Quarterly<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">, <\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">36<\/span><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">(1), 157\u2013178. <\/span><a style=\"text-decoration: none;\" href=\"https:\/\/doi.org\/10.2307\/41410412\"><span style=\"font-size: 12pt; font-family: Arial,sans-serif; color: #0000ff; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: underline; -webkit-text-decoration-skip: none; text-decoration-skip-ink: none; vertical-align: baseline; white-space: pre-wrap;\">https:\/\/doi.org\/10.2307\/41410412<\/span><\/a><\/p><\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3a43bc3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3a43bc3\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-1146113\" data-id=\"1146113\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-28747ae\" data-id=\"28747ae\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f442a04 elementor-widget elementor-widget-elementskit-social-share\" data-id=\"f442a04\" data-element_type=\"widget\" data-widget_type=\"elementskit-social-share.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\t\t<ul class=\"ekit_socialshare\">\n                            <li class=\"elementor-repeater-item-db288b3\" data-social=\"facebook\">\n                    <div class=\"facebook\">\n                        \n                        <i aria-hidden=\"true\" class=\"icon icon-facebook\"><\/i>                        \n                                                                                            <\/div>\n                <\/li>\n                                            <li class=\"elementor-repeater-item-8c1acc4\" data-social=\"whatsapp\">\n                    <div class=\"whatsapp\">\n                        \n                        <i aria-hidden=\"true\" class=\"icon icon-whatsapp-1\"><\/i>                        \n                                                                                            <\/div>\n                <\/li>\n                                            <li class=\"elementor-repeater-item-a0e5dae\" data-social=\"linkedin\">\n                    <div class=\"linkedin\">\n                        \n                        <i aria-hidden=\"true\" class=\"icon icon-linkedin\"><\/i>                        \n                                                                                            <\/div>\n                <\/li>\n                                    <\/ul>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-dc7cd5a\" data-id=\"dc7cd5a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-284cd77 elementor-align-right elementor-widget elementor-widget-button\" data-id=\"284cd77\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/icert.org.in\/index.php\/shodh-sari-2\/shodh-sari-vol5-issue-1\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Back<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Shodh Sari-An International Multidisciplinary Journal Vol-05, Issue-02(Apr &#8211; Jun 2026) An International scholarly\/ academic journal, peer-reviewed\/ refereed journal, ISSN : 2959-1376 UPI-Driven Financial Empowerment of Street Vendors and Kirana Store Owners in Bengaluru C., Meghana\u00a0 Assistant Professor, Department of Commerce, Dayananda Sagar College of Arts, Science and Commerce, Kumarswamy layout, Bangalore, India Abstract About Author [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"_acf_changed":false,"postBodyCss":"","postBodyMargin":[],"postBodyPadding":[],"postBodyBackground":{"backgroundType":"classic","gradient":""},"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[1],"tags":[],"class_list":["post-32868","post","type-post","status-publish","format-standard","hentry","category-uncategorised"],"acf":[],"_links":{"self":[{"href":"https:\/\/icert.org.in\/index.php\/wp-json\/wp\/v2\/posts\/32868","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/icert.org.in\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/icert.org.in\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/icert.org.in\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/icert.org.in\/index.php\/wp-json\/wp\/v2\/comments?post=32868"}],"version-history":[{"count":4,"href":"https:\/\/icert.org.in\/index.php\/wp-json\/wp\/v2\/posts\/32868\/revisions"}],"predecessor-version":[{"id":32901,"href":"https:\/\/icert.org.in\/index.php\/wp-json\/wp\/v2\/posts\/32868\/revisions\/32901"}],"wp:attachment":[{"href":"https:\/\/icert.org.in\/index.php\/wp-json\/wp\/v2\/media?parent=32868"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/icert.org.in\/index.php\/wp-json\/wp\/v2\/categories?post=32868"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/icert.org.in\/index.php\/wp-json\/wp\/v2\/tags?post=32868"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}