{"id":"https://openalex.org/W4206034026","doi":"https://doi.org/10.3390/risks10010008","title":"Towards Sustainable Retirement Planning of Wageworkers in Thailand: A Qualitative Approach in Behavioral Segmentation and Financial Pain Point Identification","display_name":"Towards Sustainable Retirement Planning of Wageworkers in Thailand: A Qualitative Approach in Behavioral Segmentation and Financial Pain Point Identification","publication_year":2022,"publication_date":"2022-01-01","ids":{"openalex":"https://openalex.org/W4206034026","doi":"https://doi.org/10.3390/risks10010008"},"language":"en","primary_location":{"id":"doi:10.3390/risks10010008","doi":"https://doi.org/10.3390/risks10010008","is_oa":true,"landing_page_url":"https://doi.org/10.3390/risks10010008","pdf_url":"https://www.mdpi.com/2227-9091/10/1/8/pdf?version=1642079522","source":{"id":"https://openalex.org/S4210214252","display_name":"Risks","issn_l":"2227-9091","issn":["2227-9091"],"is_oa":true,"is_in_doaj":true,"is_core":true,"listed_in":["anvur-scientific","cwts-core","doaj","norway-1","poland-70","russia-white-list-2","vabb-shw"],"host_organization":"https://openalex.org/P4310310987","host_organization_name":"Multidisciplinary Digital Publishing Institute","host_organization_lineage":["https://openalex.org/P4310310987"],"host_organization_lineage_names":["Multidisciplinary Digital Publishing Institute"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Risks","raw_type":"journal-article"},"volume":null,"type":"article","indexed_in":["crossref","doaj"],"open_access":{"is_oa":true,"oa_status":"gold","oa_url":"https://www.mdpi.com/2227-9091/10/1/8/pdf?version=1642079522","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5070163469","display_name":"Chavis Ketkaew","orcid":"https://orcid.org/0000-0003-3506-3725","observed_orcids":["https://orcid.org/0000-0003-3506-3725"]},"institutions":[{"id":"https://openalex.org/I179193067","display_name":"Khon Kaen University","ror":"https://ror.org/03cq4gr50","country_code":"TH","type":"education","lineage":["https://openalex.org/I179193067"]}],"countries":["TH"],"is_corresponding":true,"raw_author_name":"Chavis Ketkaew","raw_affiliation_strings":["International College, Khon Kaen University, Khon Kaen 40002, Thailand"],"raw_orcid":"https://orcid.org/0000-0003-3506-3725","affiliations":[{"raw_affiliation_string":"International College, Khon Kaen University, Khon Kaen 40002, Thailand","institution_ids":["https://openalex.org/I179193067"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5086259509","display_name":"Martine Van Wouwe","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I149213910","display_name":"University of Antwerp","ror":"https://ror.org/008x57b05","country_code":"BE","type":"education","lineage":["https://openalex.org/I149213910"]}],"countries":["BE"],"is_corresponding":false,"raw_author_name":"Martine Van Wouwe","raw_affiliation_strings":["Faculty of Business and Economics, University of Antwerp, 2000 Antwerpen, Belgium"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Faculty of Business and Economics, University of Antwerp, 2000 Antwerpen, Belgium","institution_ids":["https://openalex.org/I149213910"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5026623153","display_name":"Ann Jorissen","orcid":"https://orcid.org/0000-0001-5213-0526","observed_orcids":["https://orcid.org/0000-0001-5213-0526"]},"institutions":[{"id":"https://openalex.org/I149213910","display_name":"University of Antwerp","ror":"https://ror.org/008x57b05","country_code":"BE","type":"education","lineage":["https://openalex.org/I149213910"]}],"countries":["BE"],"is_corresponding":false,"raw_author_name":"Ann Jorissen","raw_affiliation_strings":["Faculty of Business and Economics, University of Antwerp, 2000 Antwerpen, Belgium"],"raw_orcid":"https://orcid.org/0000-0001-5213-0526","affiliations":[{"raw_affiliation_string":"Faculty of Business and Economics, University of Antwerp, 2000 Antwerpen, Belgium","institution_ids":["https://openalex.org/I149213910"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5059569500","display_name":"Danny Cassimon","orcid":"https://orcid.org/0000-0002-0460-3488","observed_orcids":["https://orcid.org/0000-0002-0460-3488"]},"institutions":[{"id":"https://openalex.org/I149213910","display_name":"University of Antwerp","ror":"https://ror.org/008x57b05","country_code":"BE","type":"education","lineage":["https://openalex.org/I149213910"]}],"countries":["BE"],"is_corresponding":false,"raw_author_name":"Danny Cassimon","raw_affiliation_strings":["Institute of Development Policy, University of Antwerp, 2000 Antwerpen, Belgium"],"raw_orcid":"https://orcid.org/0000-0002-0460-3488","affiliations":[{"raw_affiliation_string":"Institute of Development Policy, University of Antwerp, 2000 Antwerpen, Belgium","institution_ids":["https://openalex.org/I149213910"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5089105538","display_name":"Preecha Vichitthamaros","orcid":"https://orcid.org/0000-0002-2784-572X","observed_orcids":["https://orcid.org/0000-0002-2784-572X"]},"institutions":[{"id":"https://openalex.org/I159665162","display_name":"National Institute of Development Administration","ror":"https://ror.org/010g30191","country_code":"TH","type":"education","lineage":["https://openalex.org/I159665162"]}],"countries":["TH"],"is_corresponding":false,"raw_author_name":"Preecha Vichitthamaros","raw_affiliation_strings":["Faculty of Applied Statistics, National Institute of Development Administration, Bangkok 10260, Thailand"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Faculty of Applied Statistics, National Institute of Development Administration, Bangkok 10260, Thailand","institution_ids":["https://openalex.org/I159665162"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5061562954","display_name":"Sasichakorn Wongsaichia","orcid":"https://orcid.org/0000-0001-7023-816X","observed_orcids":["https://orcid.org/0000-0001-7023-816X"]},"institutions":[{"id":"https://openalex.org/I179193067","display_name":"Khon Kaen University","ror":"https://ror.org/03cq4gr50","country_code":"TH","type":"education","lineage":["https://openalex.org/I179193067"]}],"countries":["TH"],"is_corresponding":false,"raw_author_name":"Sasichakorn Wongsaichia","raw_affiliation_strings":["International College, Khon Kaen University, Khon Kaen 40002, Thailand"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"International College, Khon Kaen University, Khon Kaen 40002, Thailand","institution_ids":["https://openalex.org/I179193067"]}]}],"institutions":[],"countries_distinct_count":2,"institutions_distinct_count":3,"corresponding_author_ids":["https://openalex.org/A5070163469"],"corresponding_institution_ids":["https://openalex.org/I179193067"],"apc_list":{"value":1400,"currency":"CHF","value_usd":1466},"apc_paid":{"value":1400,"currency":"CHF","value_usd":1466},"fwci":8.613,"has_fulltext":true,"cited_by_count":22,"citation_normalized_percentile":{"value":0.97549429,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":95,"max":98},"biblio":{"volume":"10","issue":"1","first_page":"8","last_page":"8"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10517","display_name":"Financial Literacy, Pension, Retirement Analysis","score":1.0,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10517","display_name":"Financial Literacy, Pension, Retirement Analysis","score":1.0,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11631","display_name":"Retirement, Disability, and Employment","score":9.999999747378752e-05,"subfield":{"id":"https://openalex.org/subfields/3317","display_name":"Demography"},"field":{"id":"https://openalex.org/fields/33","display_name":"Social Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T13695","display_name":"Aging, Elder Care, and Social Issues","score":0.0,"subfield":{"id":"https://openalex.org/subfields/3600","display_name":"General Health Professions"},"field":{"id":"https://openalex.org/fields/36","display_name":"Health Professions"},"domain":{"id":"https://openalex.org/domains/4","display_name":"Health Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/retirement-planning","display_name":"retirement planning","score":0.9919999837875366},{"id":"https://openalex.org/keywords/salaried-employees","display_name":"wage workers","score":0.9359999895095825},{"id":"https://openalex.org/keywords/behavioral-segmentation","display_name":"behavioral segmentation","score":0.7360000014305115},{"id":"https://openalex.org/keywords/retirement-preparedness","display_name":"retirement preparedness","score":0.6959999799728394},{"id":"https://openalex.org/keywords/financial-literacy","display_name":"financial literacy","score":0.9390000104904175},{"id":"https://openalex.org/keywords/low-income-workers","display_name":"low-income workers","score":0.8029999732971191},{"id":"https://openalex.org/keywords/pensions","display_name":"pensions","score":0.8399999737739563},{"id":"https://openalex.org/keywords/population-aging","display_name":"population aging","score":0.4309999942779541},{"id":"https://openalex.org/keywords/retirement-savings","display_name":"retirement savings","score":0.5249999761581421},{"id":"https://openalex.org/keywords/older-workers","display_name":"older workers","score":0.36899998784065247},{"id":"https://openalex.org/keywords/thailand","display_name":"Thailand","score":0.7020000219345093}],"concepts":[{"id":"https://openalex.org/C2778002999","wikidata":"https://www.wikidata.org/wiki/Q7316838","display_name":"Retirement planning","level":2,"score":0.6391861438751221},{"id":"https://openalex.org/C190248442","wikidata":"https://www.wikidata.org/wiki/Q839486","display_name":"Qualitative research","level":2,"score":0.5854780077934265},{"id":"https://openalex.org/C2780899237","wikidata":"https://www.wikidata.org/wiki/Q156223","display_name":"Pension","level":2,"score":0.5818410515785217},{"id":"https://openalex.org/C198531522","wikidata":"https://www.wikidata.org/wiki/Q485146","display_name":"Sample (material)","level":2,"score":0.532900869846344},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.49627023935317993},{"id":"https://openalex.org/C2778137410","wikidata":"https://www.wikidata.org/wiki/Q2732820","display_name":"Government (linguistics)","level":2,"score":0.4882183372974396},{"id":"https://openalex.org/C2908647359","wikidata":"https://www.wikidata.org/wiki/Q2625603","display_name":"Population","level":2,"score":0.472854882478714},{"id":"https://openalex.org/C2777042776","wikidata":"https://www.wikidata.org/wiki/Q4583103","display_name":"Preparedness","level":2,"score":0.4366764724254608},{"id":"https://openalex.org/C120527767","wikidata":"https://www.wikidata.org/wiki/Q3196867","display_name":"Debt","level":2,"score":0.41537004709243774},{"id":"https://openalex.org/C28719098","wikidata":"https://www.wikidata.org/wiki/Q44946","display_name":"Point (geometry)","level":2,"score":0.41395968198776245},{"id":"https://openalex.org/C162853370","wikidata":"https://www.wikidata.org/wiki/Q39809","display_name":"Marketing","level":1,"score":0.3761606812477112},{"id":"https://openalex.org/C162118730","wikidata":"https://www.wikidata.org/wiki/Q1128453","display_name":"Actuarial science","level":1,"score":0.3070312738418579},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.29583272337913513},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.26371344923973083},{"id":"https://openalex.org/C144024400","wikidata":"https://www.wikidata.org/wiki/Q21201","display_name":"Sociology","level":0,"score":0.17842137813568115},{"id":"https://openalex.org/C187736073","wikidata":"https://www.wikidata.org/wiki/Q2920921","display_name":"Management","level":1,"score":0.13152652978897095},{"id":"https://openalex.org/C138885662","wikidata":"https://www.wikidata.org/wiki/Q5891","display_name":"Philosophy","level":0,"score":0.0},{"id":"https://openalex.org/C43617362","wikidata":"https://www.wikidata.org/wiki/Q170050","display_name":"Chromatography","level":1,"score":0.0},{"id":"https://openalex.org/C2524010","wikidata":"https://www.wikidata.org/wiki/Q8087","display_name":"Geometry","level":1,"score":0.0},{"id":"https://openalex.org/C36289849","wikidata":"https://www.wikidata.org/wiki/Q34749","display_name":"Social science","level":1,"score":0.0},{"id":"https://openalex.org/C33923547","wikidata":"https://www.wikidata.org/wiki/Q395","display_name":"Mathematics","level":0,"score":0.0},{"id":"https://openalex.org/C185592680","wikidata":"https://www.wikidata.org/wiki/Q2329","display_name":"Chemistry","level":0,"score":0.0},{"id":"https://openalex.org/C149923435","wikidata":"https://www.wikidata.org/wiki/Q37732","display_name":"Demography","level":1,"score":0.0},{"id":"https://openalex.org/C41895202","wikidata":"https://www.wikidata.org/wiki/Q8162","display_name":"Linguistics","level":1,"score":0.0}],"mesh":[],"locations_count":4,"locations":[{"id":"doi:10.3390/risks10010008","doi":"https://doi.org/10.3390/risks10010008","is_oa":true,"landing_page_url":"https://doi.org/10.3390/risks10010008","pdf_url":"https://www.mdpi.com/2227-9091/10/1/8/pdf?version=1642079522","source":{"id":"https://openalex.org/S4210214252","display_name":"Risks","issn_l":"2227-9091","issn":["2227-9091"],"is_oa":true,"is_in_doaj":true,"is_core":true,"listed_in":["anvur-scientific","cwts-core","doaj","norway-1","poland-70","russia-white-list-2","vabb-shw"],"host_organization":"https://openalex.org/P4310310987","host_organization_name":"Multidisciplinary Digital Publishing Institute","host_organization_lineage":["https://openalex.org/P4310310987"],"host_organization_lineage_names":["Multidisciplinary Digital Publishing Institute"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Risks","raw_type":"journal-article"},{"id":"pmh:oai:RePEc:gam:jrisks:v:10:y:2022:i:1:p:8-:d:716217","doi":null,"is_oa":false,"landing_page_url":"https://www.mdpi.com/2227-9091/10/1/8/","pdf_url":null,"source":{"id":"https://openalex.org/S4306401271","display_name":"RePEc: Research Papers in Economics","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I77793887","host_organization_name":"Federal Reserve Bank of St. Louis","host_organization_lineage":["https://openalex.org/I77793887"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"article"},{"id":"pmh:oai:doaj.org/article:695fdb06215144058ab492d23c31a571","doi":null,"is_oa":true,"landing_page_url":"https://doaj.org/article/695fdb06215144058ab492d23c31a571","pdf_url":null,"source":{"id":"https://openalex.org/S4306401280","display_name":"DOAJ (DOAJ: Directory of Open Access Journals)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by-sa","license_id":"https://openalex.org/licenses/cc-by-sa","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"Risks, Vol 10, Iss 1, p 8 (2022)","raw_type":"article"},{"id":"pmh:oai:econstor.eu:10419/258319","doi":null,"is_oa":true,"landing_page_url":"http://hdl.handle.net/10419/258319","pdf_url":null,"source":{"id":"https://openalex.org/S4306401696","display_name":"Econstor (Econstor)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"","raw_type":"doc-type:article"}],"best_oa_location":{"id":"doi:10.3390/risks10010008","doi":"https://doi.org/10.3390/risks10010008","is_oa":true,"landing_page_url":"https://doi.org/10.3390/risks10010008","pdf_url":"https://www.mdpi.com/2227-9091/10/1/8/pdf?version=1642079522","source":{"id":"https://openalex.org/S4210214252","display_name":"Risks","issn_l":"2227-9091","issn":["2227-9091"],"is_oa":true,"is_in_doaj":true,"is_core":true,"listed_in":["anvur-scientific","cwts-core","doaj","norway-1","poland-70","russia-white-list-2","vabb-shw"],"host_organization":"https://openalex.org/P4310310987","host_organization_name":"Multidisciplinary Digital Publishing Institute","host_organization_lineage":["https://openalex.org/P4310310987"],"host_organization_lineage_names":["Multidisciplinary Digital Publishing Institute"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Risks","raw_type":"journal-article"},"sustainable_development_goals":[{"display_name":"Decent work and economic growth","id":"https://metadata.un.org/sdg/8","score":0.9211000204086304},{"display_name":"No poverty","id":"https://metadata.un.org/sdg/1","score":0.666700005531311}],"sustainable_development_goals_aurora":[{"display_name":"Decent work and economic growth","id":"https://metadata.un.org/sdg/8","score":0.46000000834465027}],"study_designs":[],"awards":[],"funders":[],"has_content":{"pdf":true,"grobid_xml":true},"content_urls":{"pdf":"https://content.openalex.org/works/W4206034026.pdf","grobid_xml":"https://content.openalex.org/works/W4206034026.grobid-xml"},"referenced_works_count":52,"referenced_works":["https://openalex.org/W124963830","https://openalex.org/W1551957018","https://openalex.org/W1577102267","https://openalex.org/W1967268004","https://openalex.org/W1973643729","https://openalex.org/W1978533293","https://openalex.org/W1982771968","https://openalex.org/W1982965481","https://openalex.org/W2001948418","https://openalex.org/W2006284865","https://openalex.org/W2019186892","https://openalex.org/W2022695927","https://openalex.org/W2026198701","https://openalex.org/W2030691535","https://openalex.org/W2095860489","https://openalex.org/W2114775646","https://openalex.org/W2136004508","https://openalex.org/W2138362896","https://openalex.org/W2289438864","https://openalex.org/W2328229630","https://openalex.org/W2340636868","https://openalex.org/W2462625072","https://openalex.org/W2471643273","https://openalex.org/W2523074512","https://openalex.org/W2590475852","https://openalex.org/W2591705526","https://openalex.org/W2765195903","https://openalex.org/W2802752832","https://openalex.org/W2909051311","https://openalex.org/W2944435602","https://openalex.org/W2974892782","https://openalex.org/W2998013442","https://openalex.org/W3000613290","https://openalex.org/W3011176936","https://openalex.org/W3024072490","https://openalex.org/W3048008848","https://openalex.org/W3095523777","https://openalex.org/W3111031012","https://openalex.org/W3121196619","https://openalex.org/W3122180892","https://openalex.org/W3122262052","https://openalex.org/W3122819058","https://openalex.org/W3123886011","https://openalex.org/W3126052378","https://openalex.org/W3130229549","https://openalex.org/W3141570101","https://openalex.org/W3147510237","https://openalex.org/W3186539644","https://openalex.org/W3198425738","https://openalex.org/W3200774883","https://openalex.org/W3207675723","https://openalex.org/W6886021651"],"related_works":["https://openalex.org/W4363679583","https://openalex.org/W7166838049","https://openalex.org/W7155494942","https://openalex.org/W7172271017","https://openalex.org/W3114777662","https://openalex.org/W4403354148","https://openalex.org/W2998013442","https://openalex.org/W2883255500","https://openalex.org/W4317899390","https://openalex.org/W7219263540"],"abstract_inverted_index":{"Thailand":[0,19,140],"recently":[1],"reached":[2],"\u201caged\u201d":[3],"society":[4],"status,":[5],"signifying":[6],"that":[7,18,32,226,247,250,292],"over":[8,15],"twenty":[9],"percent":[10],"of":[11,72,76,83,111,134],"the":[12,49,73,90,103,108,118,161,191,198,227,242,279,286],"population":[13],"is":[14,51],"sixty.":[16],"Considering":[17],"has":[20],"a":[21,25,132,311,325],"low":[22],"literacy":[23,252],"rate,":[24],"fractured":[26],"pension":[27],"system,":[28],"and":[29,57,93,99,116,121,154,169,181,201,218,245,285,306],"no":[30],"regulations":[31],"could":[33,229],"provide":[34,316],"sufficient":[35],"income":[36,309],"to":[37,65,88,106,146,209,271,330],"cover":[38],"basic":[39],"needs":[40],"after":[41,178],"retirement,":[42,174],"there":[43],"will":[44],"be":[45,230],"economic":[46],"repercussions":[47],"if":[48],"situation":[50],"not":[52,264],"handled":[53],"soon.":[54],"The":[55,81,187,205,223,321],"government":[56,322],"financial":[58,251,304],"institutions":[59],"have":[60,265],"been":[61],"encouraging":[62],"Thai":[63,211,287,293],"citizens":[64,212,294],"prepare":[66,272],"retirement":[67,96,115,123,216,258,318],"plans":[68,124],"but":[69],"lack":[70],"understanding":[71],"root":[74],"causes":[75],"being":[77,112,213],"unprepared":[78,113],"for":[79,114,126,173,190,215,273,282],"retirement.":[80,274],"objectives":[82],"this":[84,276],"qualitative":[85,155,193],"research":[86,206],"were":[87,158,208],"explore":[89],"behavior,":[91],"knowledge,":[92],"preparedness":[94],"towards":[95,171],"in":[97,137,257,269,298,303],"governmental":[98],"private":[100],"wageworkers.":[101],"Moreover,":[102],"study":[104],"aims":[105],"identify":[107],"pain":[109],"points":[110],"deliver":[117],"optimal":[119],"solutions":[120],"sustainable":[122],"suitable":[125,317],"each":[127],"segment.":[128],"This":[129,289],"article":[130,277,290],"employed":[131],"sample":[133,228],"46":[135],"wageworkers":[136],"Khon":[138],"Kaen,":[139],"with":[141,160],"ages":[142],"ranging":[143],"from":[144,310],"20":[145],"59":[147],"years":[148],"old.":[149],"Qualitative":[150],"semi-structured":[151],"in-depth":[152,192],"interviews":[153],"content":[156],"analysis":[157],"conducted":[159],"respondents":[162],"asking":[163],"about":[164],"their":[165,175,236,266],"income,":[166],"expenses,":[167],"pains,":[168],"problems":[170],"saving":[172],"desired":[176],"outcome":[177],"they":[179,183],"retire,":[180],"how":[182],"would":[184],"achieve":[185],"it.":[186],"framework":[188],"used":[189],"interview":[194],"was":[195],"by":[196,235],"utilizing":[197],"customer,":[199],"problem,":[200],"solution":[202],"zoom":[203],"tool.":[204],"contributions":[207],"facilitate":[210],"ready":[214],"stages":[217],"overcome":[219],"post-retirement":[220],"risks":[221],"sustainably.":[222],"results":[224],"revealed":[225],"divided":[231],"into":[232],"four":[233],"segments":[234,240],"characteristics.":[237],"Two":[238],"low-income":[239],"share":[241],"same":[243],"traits":[244],"behaviors":[246],"can":[248],"prove":[249],"plays":[253],"an":[254],"essential":[255],"role":[256],"readiness.":[259],"Lower-income":[260],"wage":[261],"workers":[262],"do":[263],"money":[267],"put":[268],"place":[270],"Additionally,":[275],"discussed":[278],"study\u2019s":[280],"implications":[281],"wageworkers,":[283],"employers,":[284],"government.":[288],"recommended":[291],"should":[295,315,323],"accumulate":[296],"wealth":[297],"various":[299],"ways,":[300],"including":[301],"investment":[302],"assets":[305],"earning":[307],"additional":[308],"second":[312],"job.":[313],"Employers":[314],"contribution":[319],"schemes.":[320],"launch":[324],"policy":[326],"enabling":[327],"above-60-year-old":[328],"seniors":[329],"continue":[331],"working.":[332]},"counts_by_year":[{"year":2026,"cited_by_count":3},{"year":2025,"cited_by_count":5},{"year":2024,"cited_by_count":6},{"year":2023,"cited_by_count":3},{"year":2022,"cited_by_count":5}],"updated_date":"2026-10-14T16:39:01.820549","created_date":"2022-01-25T00:00:00"}