research question is: How can bi-lateral research collaboration be a source of knowledge generation and commercialization for … in the process of knowledge creation and commercialization. We conclude that collaboration is a source of new knowledge … knowledge creation method to analyze the findings. We also describe the collaboration process from idea and application through …

the impacts of financial knowledge on financial access through banking, microfinance, and fintech access using the … people from participating and using financial services to improve their lives. The empirical findings showed that knowledge … profession, income level, knowledge regarding depositing and withdrawing money, and knowledge regarding interest rate highly …