id	sid	tid	token	lemma	pos
gp-41	1	1	204	204	NUM
gp-41	1	2	american	american	ADJ
gp-41	1	3	journal	journal	NOUN
gp-41	1	4	of	of	ADP
gp-41	1	5	economic	economic	ADJ
gp-41	1	6	and	and	CCONJ
gp-41	1	7	management	management	NOUN
gp-41	1	8	business	business	NOUN
gp-41	1	9	p	p	X
gp-41	1	10	-	-	PUNCT
gp-41	1	11	issn	issn	NOUN
gp-41	1	12	:	:	PUNCT
gp-41	1	13	xxxx	xxxx	ADJ
gp-41	1	14	-	-	PUNCT
gp-41	1	15	xxxx	xxxx	ADJ
gp-41	1	16	e	e	NOUN
gp-41	1	17	-	-	NOUN
gp-41	1	18	issn	issn	ADJ
gp-41	1	19	:	:	PUNCT
gp-41	1	20	2835	2835	NUM
gp-41	1	21	-	-	SYM
gp-41	1	22	5199	5199	NUM
gp-41	1	23	vol	vol	NOUN
gp-41	1	24	.	.	NOUN
gp-41	1	25	2	2	NUM
gp-41	1	26	no	no	NOUN
gp-41	1	27	.	.	NOUN
gp-41	1	28	6	6	NUM
gp-41	1	29	june	june	PROPN
gp-41	1	30	2023	2023	NUM
gp-41	1	31	people	people	NOUN
gp-41	1	32	with	with	ADP
gp-41	1	33	disability	disability	NOUN
gp-41	1	34	and	and	CCONJ
gp-41	1	35	access	access	NOUN
gp-41	1	36	to	to	ADP
gp-41	1	37	financial	financial	ADJ
gp-41	1	38	services	service	NOUN
gp-41	1	39	:	:	PUNCT
gp-41	1	40	evidence	evidence	NOUN
gp-41	1	41	from	from	ADP
gp-41	1	42	odisha	odisha	PROPN
gp-41	1	43	kabya	kabya	PROPN
gp-41	1	44	sambad	sambad	PROPN
gp-41	1	45	,	,	PUNCT
gp-41	1	46	ashis	ashis	PROPN
gp-41	1	47	kumar	kumar	PROPN
gp-41	1	48	samal	samal	PROPN
gp-41	1	49	nabakrushna	nabakrushna	PROPN
gp-41	1	50	choudhury	choudhury	PROPN
gp-41	1	51	center	center	PROPN
gp-41	1	52	for	for	ADP
gp-41	1	53	development	development	NOUN
gp-41	1	54	studies	study	NOUN
gp-41	1	55	,	,	PUNCT
gp-41	1	56	bhubaneswar	bhubaneswar	NOUN
gp-41	1	57	,	,	PUNCT
gp-41	1	58	odisha	odisha	PROPN
gp-41	1	59	,	,	PUNCT
gp-41	1	60	india	india	PROPN
gp-41	1	61	email	email	NOUN
gp-41	1	62	:	:	PUNCT
gp-41	1	63	kabyasambad1995@gmail.com	kabyasambad1995@gmail.com	X
gp-41	2	1	abstract	abstract	ADJ
gp-41	2	2	the	the	DET
gp-41	2	3	purpose	purpose	NOUN
gp-41	2	4	of	of	ADP
gp-41	2	5	this	this	DET
gp-41	2	6	study	study	NOUN
gp-41	2	7	is	be	AUX
gp-41	2	8	to	to	PART
gp-41	2	9	examine	examine	VERB
gp-41	2	10	the	the	DET
gp-41	2	11	effects	effect	NOUN
gp-41	2	12	of	of	ADP
gp-41	2	13	disability	disability	NOUN
gp-41	2	14	on	on	ADP
gp-41	2	15	access	access	NOUN
gp-41	2	16	to	to	ADP
gp-41	2	17	financial	financial	ADJ
gp-41	2	18	services	service	NOUN
gp-41	2	19	in	in	ADP
gp-41	2	20	odisha	odisha	PROPN
gp-41	2	21	.	.	PUNCT
gp-41	3	1	data	datum	NOUN
gp-41	3	2	for	for	ADP
gp-41	3	3	the	the	DET
gp-41	3	4	study	study	NOUN
gp-41	3	5	were	be	AUX
gp-41	3	6	obtained	obtain	VERB
gp-41	3	7	from	from	ADP
gp-41	3	8	the	the	DET
gp-41	3	9	odisha	odisha	PROPN
gp-41	3	10	economic	economic	ADJ
gp-41	3	11	survey	survey	NOUN
gp-41	3	12	2021	2021	NUM
gp-41	3	13	-	-	SYM
gp-41	3	14	22	22	NUM
gp-41	3	15	.	.	PUNCT
gp-41	4	1	we	we	PRON
gp-41	4	2	used	use	VERB
gp-41	4	3	an	an	DET
gp-41	4	4	instrumental	instrumental	ADJ
gp-41	4	5	variable	variable	NOUN
gp-41	4	6	(	(	PUNCT
gp-41	4	7	iv	iv	X
gp-41	4	8	)	)	PUNCT
gp-41	4	9	regression	regression	NOUN
gp-41	4	10	approach	approach	NOUN
gp-41	4	11	to	to	PART
gp-41	4	12	examine	examine	VERB
gp-41	4	13	the	the	DET
gp-41	4	14	effect	effect	NOUN
gp-41	4	15	of	of	ADP
gp-41	4	16	disability	disability	NOUN
gp-41	4	17	on	on	ADP
gp-41	4	18	the	the	DET
gp-41	4	19	use	use	NOUN
gp-41	4	20	of	of	ADP
gp-41	4	21	formal	formal	ADJ
gp-41	4	22	financial	financial	ADJ
gp-41	4	23	institutions	institution	NOUN
gp-41	4	24	and	and	CCONJ
gp-41	4	25	mobile	mobile	ADJ
gp-41	4	26	money	money	NOUN
gp-41	4	27	.	.	PUNCT
gp-41	5	1	we	we	PRON
gp-41	5	2	find	find	VERB
gp-41	5	3	that	that	SCONJ
gp-41	5	4	the	the	DET
gp-41	5	5	likelihood	likelihood	NOUN
gp-41	5	6	of	of	ADP
gp-41	5	7	having	have	VERB
gp-41	5	8	access	access	NOUN
gp-41	5	9	to	to	ADP
gp-41	5	10	finances	finance	NOUN
gp-41	5	11	and	and	CCONJ
gp-41	5	12	using	use	VERB
gp-41	5	13	any	any	PRON
gp-41	5	14	of	of	ADP
gp-41	5	15	the	the	DET
gp-41	5	16	financial	financial	ADJ
gp-41	5	17	institutions	institution	NOUN
gp-41	5	18	,	,	PUNCT
gp-41	5	19	or	or	CCONJ
gp-41	5	20	having	have	VERB
gp-41	5	21	at	at	ADV
gp-41	5	22	least	least	ADJ
gp-41	5	23	a	a	DET
gp-41	5	24	product	product	NOUN
gp-41	5	25	/	/	SYM
gp-41	5	26	service	service	NOUN
gp-41	5	27	with	with	ADP
gp-41	5	28	a	a	DET
gp-41	5	29	bank	bank	NOUN
gp-41	5	30	reduces	reduce	VERB
gp-41	5	31	for	for	ADP
gp-41	5	32	people	people	NOUN
gp-41	5	33	with	with	ADP
gp-41	5	34	disability	disability	NOUN
gp-41	5	35	.	.	PUNCT
gp-41	6	1	further	far	ADV
gp-41	6	2	,	,	PUNCT
gp-41	6	3	our	our	PRON
gp-41	6	4	results	result	NOUN
gp-41	6	5	show	show	VERB
gp-41	6	6	that	that	SCONJ
gp-41	6	7	while	while	SCONJ
gp-41	6	8	people	people	NOUN
gp-41	6	9	with	with	ADP
gp-41	6	10	disability	disability	NOUN
gp-41	6	11	are	be	AUX
gp-41	6	12	less	less	ADV
gp-41	6	13	likely	likely	ADJ
gp-41	6	14	to	to	PART
gp-41	6	15	use	use	VERB
gp-41	6	16	commercial	commercial	ADJ
gp-41	6	17	banks	bank	NOUN
gp-41	6	18	(	(	PUNCT
gp-41	6	19	6.3	6.3	NUM
gp-41	6	20	%	%	NOUN
gp-41	6	21	)	)	PUNCT
gp-41	6	22	,	,	PUNCT
gp-41	6	23	rural	rural	ADJ
gp-41	6	24	banks	bank	NOUN
gp-41	6	25	(	(	PUNCT
gp-41	6	26	4.8	4.8	NUM
gp-41	6	27	%	%	NOUN
gp-41	6	28	)	)	PUNCT
gp-41	6	29	and	and	CCONJ
gp-41	6	30	at	at	ADV
gp-41	6	31	least	least	ADJ
gp-41	6	32	one	one	NUM
gp-41	6	33	financial	financial	ADJ
gp-41	6	34	service	service	NOUN
gp-41	6	35	(	(	PUNCT
gp-41	6	36	6.3	6.3	NUM
gp-41	6	37	%	%	NOUN
gp-41	6	38	)	)	PUNCT
gp-41	6	39	,	,	PUNCT
gp-41	6	40	they	they	PRON
gp-41	6	41	are	be	AUX
gp-41	6	42	53.7	53.7	NUM
gp-41	6	43	%	%	NOUN
gp-41	6	44	more	more	ADV
gp-41	6	45	likely	likely	ADJ
gp-41	6	46	to	to	PART
gp-41	6	47	use	use	VERB
gp-41	6	48	mobile	mobile	ADJ
gp-41	6	49	money	money	NOUN
gp-41	6	50	.	.	PUNCT
gp-41	7	1	collaborative	collaborative	ADJ
gp-41	7	2	actions	action	NOUN
gp-41	7	3	are	be	AUX
gp-41	7	4	needed	need	VERB
gp-41	7	5	to	to	PART
gp-41	7	6	raise	raise	VERB
gp-41	7	7	awareness	awareness	NOUN
gp-41	7	8	on	on	ADP
gp-41	7	9	mobile	mobile	ADJ
gp-41	7	10	money	money	NOUN
gp-41	7	11	and	and	CCONJ
gp-41	7	12	other	other	ADJ
gp-41	7	13	fintech	fintech	NOUN
gp-41	7	14	solutions	solution	NOUN
gp-41	7	15	,	,	PUNCT
gp-41	7	16	as	as	ADV
gp-41	7	17	well	well	ADV
gp-41	7	18	as	as	ADP
gp-41	7	19	accessibility	accessibility	NOUN
gp-41	7	20	functions	function	NOUN
gp-41	7	21	that	that	PRON
gp-41	7	22	can	can	AUX
gp-41	7	23	support	support	VERB
gp-41	7	24	the	the	DET
gp-41	7	25	inclusion	inclusion	NOUN
gp-41	7	26	of	of	ADP
gp-41	7	27	persons	person	NOUN
gp-41	7	28	with	with	ADP
gp-41	7	29	disabilities	disability	NOUN
gp-41	7	30	into	into	ADP
gp-41	7	31	the	the	DET
gp-41	7	32	financial	financial	ADJ
gp-41	7	33	system	system	NOUN
gp-41	7	34	keywords	keyword	NOUN
gp-41	7	35	:	:	PUNCT
gp-41	7	36	financial	financial	ADJ
gp-41	7	37	services	service	NOUN
gp-41	7	38	;	;	PUNCT
gp-41	7	39	odisha	odisha	PROPN
gp-41	7	40	;	;	PUNCT
gp-41	7	41	mobile	mobile	ADJ
gp-41	7	42	money	money	NOUN
gp-41	7	43	;	;	PUNCT
gp-41	7	44	people	people	NOUN
gp-41	7	45	with	with	ADP
gp-41	7	46	disability	disability	NOUN
gp-41	7	47	this	this	DET
gp-41	7	48	article	article	NOUN
gp-41	7	49	is	be	AUX
gp-41	7	50	licensed	license	VERB
gp-41	7	51	under	under	ADP
gp-41	7	52	a	a	DET
gp-41	7	53	creative	creative	ADJ
gp-41	7	54	commons	common	NOUN
gp-41	7	55	attribution	attribution	NOUN
gp-41	7	56	-	-	PUNCT
gp-41	7	57	sharealike	sharealike	ADJ
gp-41	7	58	4.0	4.0	NUM
gp-41	7	59	international	international	ADJ
gp-41	7	60	introduction	introduction	NOUN
gp-41	7	61	the	the	DET
gp-41	7	62	need	need	NOUN
gp-41	7	63	to	to	PART
gp-41	7	64	advance	advance	VERB
gp-41	7	65	disability	disability	NOUN
gp-41	7	66	inclusion	inclusion	NOUN
gp-41	7	67	around	around	ADP
gp-41	7	68	the	the	DET
gp-41	7	69	globe	globe	NOUN
gp-41	7	70	is	be	AUX
gp-41	7	71	essential	essential	ADJ
gp-41	7	72	to	to	ADP
gp-41	7	73	achieving	achieve	VERB
gp-41	7	74	the	the	DET
gp-41	7	75	sustainable	sustainable	ADJ
gp-41	7	76	development	development	NOUN
gp-41	7	77	goals	goal	NOUN
gp-41	7	78	(	(	PUNCT
gp-41	7	79	sdgs	sdgs	ADJ
gp-41	7	80	)	)	PUNCT
gp-41	7	81	(	(	PUNCT
gp-41	7	82	hák	hák	PROPN
gp-41	7	83	et	et	PROPN
gp-41	7	84	al	al	PROPN
gp-41	7	85	.	.	PROPN
gp-41	7	86	,	,	PUNCT
gp-41	7	87	2016	2016	NUM
gp-41	7	88	)	)	PUNCT
gp-41	7	89	.	.	PUNCT
gp-41	8	1	ensuring	ensure	VERB
gp-41	8	2	that	that	SCONJ
gp-41	8	3	the	the	DET
gp-41	8	4	vulnerable	vulnerable	ADJ
gp-41	8	5	and	and	CCONJ
gp-41	8	6	people	people	NOUN
gp-41	8	7	with	with	ADP
gp-41	8	8	disability	disability	NOUN
gp-41	8	9	are	be	AUX
gp-41	8	10	served	serve	VERB
gp-41	8	11	in	in	ADP
gp-41	8	12	the	the	DET
gp-41	8	13	financial	financial	ADJ
gp-41	8	14	markets	market	NOUN
gp-41	8	15	also	also	ADV
gp-41	8	16	calls	call	VERB
gp-41	8	17	for	for	ADP
gp-41	8	18	innovative	innovative	ADJ
gp-41	8	19	financing	financing	NOUN
gp-41	8	20	solutions	solution	NOUN
gp-41	8	21	.	.	PUNCT
gp-41	9	1	persons	person	NOUN
gp-41	9	2	with	with	ADP
gp-41	9	3	disabilities	disability	NOUN
gp-41	9	4	are	be	AUX
gp-41	9	5	specifically	specifically	ADV
gp-41	9	6	referenced	reference	VERB
gp-41	9	7	11	11	NUM
gp-41	9	8	times	time	NOUN
gp-41	9	9	in	in	ADP
gp-41	9	10	the	the	DET
gp-41	9	11	2030	2030	NUM
gp-41	9	12	agenda	agenda	NOUN
gp-41	9	13	for	for	ADP
gp-41	9	14	sustainable	sustainable	ADJ
gp-41	9	15	development	development	NOUN
gp-41	9	16	,	,	PUNCT
gp-41	9	17	with	with	ADP
gp-41	9	18	a	a	DET
gp-41	9	19	further	further	ADJ
gp-41	9	20	six	six	NUM
gp-41	9	21	references	reference	NOUN
gp-41	9	22	to	to	ADP
gp-41	9	23	persons	person	NOUN
gp-41	9	24	in	in	ADP
gp-41	9	25	vulnerable	vulnerable	ADJ
gp-41	9	26	situations	situation	NOUN
gp-41	9	27	(	(	PUNCT
gp-41	9	28	lockwood	lockwood	PROPN
gp-41	9	29	&	&	CCONJ
gp-41	9	30	tardi	tardi	PROPN
gp-41	9	31	,	,	PUNCT
gp-41	9	32	2014	2014	NUM
gp-41	9	33	)	)	PUNCT
gp-41	9	34	.	.	PUNCT
gp-41	10	1	this	this	PRON
gp-41	10	2	means	mean	VERB
gp-41	10	3	that	that	SCONJ
gp-41	10	4	issues	issue	NOUN
gp-41	10	5	about	about	ADP
gp-41	10	6	disability	disability	NOUN
gp-41	10	7	are	be	AUX
gp-41	10	8	at	at	ADP
gp-41	10	9	the	the	DET
gp-41	10	10	core	core	NOUN
gp-41	10	11	of	of	ADP
gp-41	10	12	the	the	DET
gp-41	10	13	global	global	ADJ
gp-41	10	14	development	development	NOUN
gp-41	10	15	agenda	agenda	NOUN
gp-41	10	16	.	.	PUNCT
gp-41	11	1	persons	person	NOUN
gp-41	11	2	with	with	ADP
gp-41	11	3	disabilities	disability	NOUN
gp-41	11	4	,	,	PUNCT
gp-41	11	5	whether	whether	SCONJ
gp-41	11	6	in	in	ADP
gp-41	11	7	developed	developed	ADJ
gp-41	11	8	or	or	CCONJ
gp-41	11	9	developing	develop	VERB
gp-41	11	10	countries	country	NOUN
gp-41	11	11	,	,	PUNCT
gp-41	11	12	have	have	VERB
gp-41	11	13	limited	limit	VERB
gp-41	11	14	access	access	NOUN
gp-41	11	15	to	to	ADP
gp-41	11	16	financial	financial	ADJ
gp-41	11	17	services	service	NOUN
gp-41	11	18	,	,	PUNCT
gp-41	11	19	including	include	VERB
gp-41	11	20	traditional	traditional	ADJ
gp-41	11	21	and	and	CCONJ
gp-41	11	22	alternative	alternative	ADJ
gp-41	11	23	banking	banking	NOUN
gp-41	11	24	,	,	PUNCT
gp-41	11	25	online	online	ADJ
gp-41	11	26	payment	payment	NOUN
gp-41	11	27	services	service	NOUN
gp-41	11	28	and	and	CCONJ
gp-41	11	29	financial	financial	ADJ
gp-41	11	30	transactions	transaction	NOUN
gp-41	11	31	,	,	PUNCT
gp-41	11	32	as	as	ADV
gp-41	11	33	well	well	ADV
gp-41	11	34	as	as	ADP
gp-41	11	35	mobile	mobile	ADJ
gp-41	11	36	banking	banking	NOUN
gp-41	11	37	(	(	PUNCT
gp-41	11	38	yeo	yeo	PROPN
gp-41	11	39	&	&	CCONJ
gp-41	11	40	moore	moore	PROPN
gp-41	11	41	,	,	PUNCT
gp-41	11	42	2003	2003	NUM
gp-41	11	43	)	)	PUNCT
gp-41	11	44	.	.	PUNCT
gp-41	12	1	this	this	PRON
gp-41	12	2	is	be	AUX
gp-41	12	3	primarily	primarily	ADV
gp-41	12	4	due	due	ADJ
gp-41	12	5	to	to	ADP
gp-41	12	6	the	the	DET
gp-41	12	7	fact	fact	NOUN
gp-41	12	8	that	that	SCONJ
gp-41	12	9	their	their	PRON
gp-41	12	10	constituency	constituency	NOUN
gp-41	12	11	has	have	AUX
gp-41	12	12	not	not	PART
gp-41	12	13	been	be	AUX
gp-41	12	14	recognized	recognize	VERB
gp-41	12	15	as	as	ADP
gp-41	12	16	a	a	DET
gp-41	12	17	large	large	ADJ
gp-41	12	18	customer	customer	NOUN
gp-41	12	19	base	base	NOUN
gp-41	12	20	by	by	ADP
gp-41	12	21	most	most	ADJ
gp-41	12	22	financial	financial	ADJ
gp-41	12	23	service	service	NOUN
gp-41	12	24	providers	provider	NOUN
gp-41	12	25	.	.	PUNCT
gp-41	13	1	indeed	indeed	ADV
gp-41	13	2	,	,	PUNCT
gp-41	13	3	reasoning	reason	VERB
gp-41	13	4	and	and	CCONJ
gp-41	13	5	conceptualizing	conceptualize	VERB
gp-41	13	6	from	from	ADP
gp-41	13	7	the	the	DET
gp-41	13	8	social	social	ADJ
gp-41	13	9	model	model	NOUN
gp-41	13	10	of	of	ADP
gp-41	13	11	disability	disability	NOUN
gp-41	13	12	anastasiou	anastasiou	NOUN
gp-41	13	13	&	&	CCONJ
gp-41	13	14	kauffman	kauffman	PROPN
gp-41	13	15	,	,	PUNCT
gp-41	13	16	(	(	PUNCT
gp-41	13	17	2013	2013	NUM
gp-41	13	18	)	)	PUNCT
gp-41	13	19	,	,	PUNCT
gp-41	13	20	these	these	DET
gp-41	13	21	disability	disability	NOUN
gp-41	13	22	statuses	status	NOUN
gp-41	13	23	of	of	ADP
gp-41	13	24	people	people	NOUN
gp-41	13	25	as	as	SCONJ
gp-41	13	26	defined	define	VERB
gp-41	13	27	in	in	ADP
gp-41	13	28	society	society	NOUN
gp-41	13	29	do	do	AUX
gp-41	13	30	exist	exist	VERB
gp-41	13	31	because	because	SCONJ
gp-41	13	32	of	of	ADP
gp-41	13	33	the	the	DET
gp-41	13	34	physical	physical	ADJ
gp-41	13	35	and	and	CCONJ
gp-41	13	36	social	social	ADJ
gp-41	13	37	barriers	barrier	NOUN
gp-41	13	38	in	in	ADP
gp-41	13	39	society	society	NOUN
gp-41	13	40	.	.	PUNCT
gp-41	14	1	thus	thus	ADV
gp-41	14	2	,	,	PUNCT
gp-41	14	3	disability	disability	NOUN
gp-41	14	4	-	-	PUNCT
gp-41	14	5	related	relate	VERB
gp-41	14	6	obstacles	obstacle	NOUN
gp-41	14	7	affect	affect	VERB
gp-41	14	8	the	the	DET
gp-41	14	9	participation	participation	NOUN
gp-41	14	10	of	of	ADP
gp-41	14	11	individuals	individual	NOUN
gp-41	14	12	at	at	ADP
gp-41	14	13	every	every	DET
gp-41	14	14	stage	stage	NOUN
gp-41	14	15	of	of	ADP
gp-41	14	16	development	development	NOUN
gp-41	14	17	intervention	intervention	NOUN
gp-41	14	18	intended	intend	VERB
gp-41	14	19	to	to	PART
gp-41	14	20	boost	boost	VERB
gp-41	14	21	livelihoods	livelihood	NOUN
gp-41	14	22	.	.	PUNCT
gp-41	15	1	key	key	NOUN
gp-41	15	2	among	among	ADP
gp-41	15	3	the	the	DET
gp-41	15	4	resources	resource	NOUN
gp-41	15	5	https://creativecommons.org/licenses/by-sa/4.0/	https://creativecommons.org/licenses/by-sa/4.0/	PROPN
gp-41	15	6	https://creativecommons.org/licenses/by-sa/4.0/	https://creativecommons.org/licenses/by-sa/4.0/	PROPN
gp-41	15	7	https://creativecommons.org/licenses/by-sa/4.0/	https://creativecommons.org/licenses/by-sa/4.0/	PROPN
gp-41	15	8	kabya	kabya	PROPN
gp-41	15	9	sambad	sambad	PROPN
gp-41	15	10	,	,	PUNCT
gp-41	15	11	ashis	ashis	PROPN
gp-41	15	12	kumar	kumar	PROPN
gp-41	15	13	samal	samal	PROPN
gp-41	15	14	205	205	NUM
gp-41	15	15	essential	essential	ADJ
gp-41	15	16	for	for	ADP
gp-41	15	17	enhancing	enhance	VERB
gp-41	15	18	the	the	DET
gp-41	15	19	livelihoods	livelihood	NOUN
gp-41	15	20	of	of	ADP
gp-41	15	21	individuals	individual	NOUN
gp-41	15	22	is	be	AUX
gp-41	15	23	access	access	NOUN
gp-41	15	24	to	to	ADP
gp-41	15	25	financial	financial	ADJ
gp-41	15	26	resources	resource	NOUN
gp-41	15	27	for	for	ADP
gp-41	15	28	undertaking	undertake	VERB
gp-41	15	29	economic	economic	ADJ
gp-41	15	30	activities	activity	NOUN
gp-41	15	31	.	.	PUNCT
gp-41	16	1	unfortunately	unfortunately	ADV
gp-41	16	2	,	,	PUNCT
gp-41	16	3	over	over	ADP
gp-41	16	4	the	the	DET
gp-41	16	5	years	year	NOUN
gp-41	16	6	,	,	PUNCT
gp-41	16	7	traditional	traditional	ADJ
gp-41	16	8	banks	bank	NOUN
gp-41	16	9	do	do	AUX
gp-41	16	10	not	not	PART
gp-41	16	11	seem	seem	VERB
gp-41	16	12	to	to	PART
gp-41	16	13	have	have	AUX
gp-41	16	14	served	serve	VERB
gp-41	16	15	people	people	NOUN
gp-41	16	16	with	with	ADP
gp-41	16	17	disability	disability	NOUN
gp-41	16	18	-	-	PUNCT
gp-41	16	19	related	relate	VERB
gp-41	16	20	obstacles	obstacle	NOUN
gp-41	16	21	.	.	PUNCT
gp-41	17	1	households	household	NOUN
gp-41	17	2	with	with	ADP
gp-41	17	3	disability	disability	NOUN
gp-41	17	4	have	have	VERB
gp-41	17	5	different	different	ADJ
gp-41	17	6	relationships	relationship	NOUN
gp-41	17	7	with	with	ADP
gp-41	17	8	banks	bank	NOUN
gp-41	17	9	than	than	ADP
gp-41	17	10	those	those	PRON
gp-41	17	11	without	without	ADP
gp-41	17	12	disability	disability	NOUN
gp-41	17	13	(	(	PUNCT
gp-41	17	14	goodman	goodman	PROPN
gp-41	17	15	et	et	PROPN
gp-41	17	16	al	al	PROPN
gp-41	17	17	.	.	PROPN
gp-41	17	18	,	,	PUNCT
gp-41	17	19	2017	2017	NUM
gp-41	17	20	)	)	PUNCT
gp-41	17	21	.	.	PUNCT
gp-41	18	1	economic	economic	ADJ
gp-41	18	2	and	and	CCONJ
gp-41	18	3	demographic	demographic	ADJ
gp-41	18	4	characteristics	characteristic	NOUN
gp-41	18	5	such	such	ADJ
gp-41	18	6	as	as	ADP
gp-41	18	7	race	race	NOUN
gp-41	18	8	,	,	PUNCT
gp-41	18	9	age	age	NOUN
gp-41	18	10	,	,	PUNCT
gp-41	18	11	income	income	NOUN
gp-41	18	12	or	or	CCONJ
gp-41	18	13	home	home	NOUN
gp-41	18	14	ownership	ownership	NOUN
gp-41	18	15	are	be	AUX
gp-41	18	16	among	among	ADP
gp-41	18	17	other	other	ADJ
gp-41	18	18	reasons	reason	NOUN
gp-41	18	19	that	that	PRON
gp-41	18	20	may	may	AUX
gp-41	18	21	contribute	contribute	VERB
gp-41	18	22	to	to	ADP
gp-41	18	23	the	the	DET
gp-41	18	24	lower	low	ADJ
gp-41	18	25	likeliness	likeliness	NOUN
gp-41	18	26	of	of	ADP
gp-41	18	27	people	people	NOUN
gp-41	18	28	with	with	ADP
gp-41	18	29	disability	disability	NOUN
gp-41	18	30	(	(	PUNCT
gp-41	18	31	pwds	pwds	PROPN
gp-41	18	32	)	)	PUNCT
gp-41	18	33	and	and	CCONJ
gp-41	18	34	the	the	DET
gp-41	18	35	vulnerable	vulnerable	ADJ
gp-41	18	36	to	to	PART
gp-41	18	37	be	be	AUX
gp-41	18	38	fully	fully	ADV
gp-41	18	39	banked	bank	VERB
gp-41	18	40	.	.	PUNCT
gp-41	19	1	moreover	moreover	ADV
gp-41	19	2	,	,	PUNCT
gp-41	19	3	adults	adult	NOUN
gp-41	19	4	with	with	ADP
gp-41	19	5	disabilities	disability	NOUN
gp-41	19	6	are	be	AUX
gp-41	19	7	more	more	ADV
gp-41	19	8	likely	likely	ADJ
gp-41	19	9	than	than	ADP
gp-41	19	10	those	those	PRON
gp-41	19	11	without	without	SCONJ
gp-41	19	12	disabilities	disability	NOUN
gp-41	19	13	to	to	PART
gp-41	19	14	have	have	VERB
gp-41	19	15	lower	low	ADJ
gp-41	19	16	incomes	income	NOUN
gp-41	19	17	,	,	PUNCT
gp-41	19	18	lower	low	ADJ
gp-41	19	19	levels	level	NOUN
gp-41	19	20	of	of	ADP
gp-41	19	21	education	education	NOUN
gp-41	19	22	,	,	PUNCT
gp-41	19	23	less	less	ADJ
gp-41	19	24	attachment	attachment	NOUN
gp-41	19	25	to	to	ADP
gp-41	19	26	the	the	DET
gp-41	19	27	labour	labour	ADJ
gp-41	19	28	force	force	NOUN
gp-41	19	29	and	and	CCONJ
gp-41	19	30	higher	high	ADJ
gp-41	19	31	expenses	expense	NOUN
gp-41	19	32	goodman	goodman	PROPN
gp-41	19	33	et	et	PROPN
gp-41	19	34	al	al	PROPN
gp-41	19	35	.	.	PROPN
gp-41	19	36	,	,	PUNCT
gp-41	19	37	(	(	PUNCT
gp-41	19	38	2017	2017	NUM
gp-41	19	39	)	)	PUNCT
gp-41	19	40	,	,	PUNCT
gp-41	19	41	thus	thus	ADV
gp-41	19	42	affecting	affect	VERB
gp-41	19	43	their	their	PRON
gp-41	19	44	financial	financial	ADJ
gp-41	19	45	capability	capability	NOUN
gp-41	19	46	.	.	PUNCT
gp-41	20	1	all	all	DET
gp-41	20	2	these	these	DET
gp-41	20	3	factors	factor	NOUN
gp-41	20	4	contribute	contribute	VERB
gp-41	20	5	to	to	ADP
gp-41	20	6	the	the	DET
gp-41	20	7	financial	financial	ADJ
gp-41	20	8	vulnerability	vulnerability	NOUN
gp-41	20	9	of	of	ADP
gp-41	20	10	people	people	NOUN
gp-41	20	11	with	with	ADP
gp-41	20	12	disability	disability	NOUN
gp-41	20	13	(	(	PUNCT
gp-41	20	14	olga	olga	PROPN
gp-41	20	15	et	et	PROPN
gp-41	20	16	al	al	PROPN
gp-41	20	17	.	.	PROPN
gp-41	20	18	,	,	PUNCT
gp-41	20	19	2018	2018	NUM
gp-41	20	20	)	)	PUNCT
gp-41	20	21	.	.	PUNCT
gp-41	21	1	economically	economically	ADV
gp-41	21	2	,	,	PUNCT
gp-41	21	3	pwds	pwds	PROPN
gp-41	21	4	may	may	AUX
gp-41	21	5	not	not	PART
gp-41	21	6	be	be	AUX
gp-41	21	7	able	able	ADJ
gp-41	21	8	to	to	PART
gp-41	21	9	access	access	VERB
gp-41	21	10	financial	financial	ADJ
gp-41	21	11	services	service	NOUN
gp-41	21	12	because	because	SCONJ
gp-41	21	13	of	of	ADP
gp-41	21	14	their	their	PRON
gp-41	21	15	low	low	ADJ
gp-41	21	16	-	-	PUNCT
gp-41	21	17	income	income	NOUN
gp-41	21	18	earning	earning	NOUN
gp-41	21	19	capacity	capacity	NOUN
gp-41	21	20	.	.	PUNCT
gp-41	22	1	for	for	ADP
gp-41	22	2	instance	instance	NOUN
gp-41	22	3	,	,	PUNCT
gp-41	22	4	mactaggart	mactaggart	PROPN
gp-41	22	5	et	et	PROPN
gp-41	22	6	al	al	PROPN
gp-41	22	7	.	.	PROPN
gp-41	22	8	,(2018	,(2018	PUNCT
gp-41	22	9	)	)	PUNCT
gp-41	22	10	found	find	VERB
gp-41	22	11	that	that	SCONJ
gp-41	22	12	adults	adult	NOUN
gp-41	22	13	with	with	ADP
gp-41	22	14	disabilities	disability	NOUN
gp-41	22	15	are	be	AUX
gp-41	22	16	significantly	significantly	ADV
gp-41	22	17	less	less	ADV
gp-41	22	18	likely	likely	ADJ
gp-41	22	19	to	to	PART
gp-41	22	20	be	be	AUX
gp-41	22	21	employed	employ	VERB
gp-41	22	22	compared	compare	VERB
gp-41	22	23	with	with	ADP
gp-41	22	24	those	those	PRON
gp-41	22	25	without	without	ADP
gp-41	22	26	disabilities	disability	NOUN
gp-41	22	27	,	,	PUNCT
gp-41	22	28	and	and	CCONJ
gp-41	22	29	those	those	PRON
gp-41	22	30	who	who	PRON
gp-41	22	31	work	work	VERB
gp-41	22	32	are	be	AUX
gp-41	22	33	engaged	engage	VERB
gp-41	22	34	in	in	ADP
gp-41	22	35	lower	low	ADJ
gp-41	22	36	-	-	PUNCT
gp-41	22	37	productive	productive	ADJ
gp-41	22	38	activities	activity	NOUN
gp-41	22	39	and	and	CCONJ
gp-41	22	40	lower	low	ADJ
gp-41	22	41	wage	wage	NOUN
gp-41	22	42	jobs	job	NOUN
gp-41	22	43	.	.	PUNCT
gp-41	23	1	in	in	ADP
gp-41	23	2	some	some	DET
gp-41	23	3	cases	case	NOUN
gp-41	23	4	,	,	PUNCT
gp-41	23	5	pwds	pwds	NOUN
gp-41	23	6	may	may	AUX
gp-41	23	7	also	also	ADV
gp-41	23	8	not	not	PART
gp-41	23	9	be	be	AUX
gp-41	23	10	engaging	engage	VERB
gp-41	23	11	in	in	ADP
gp-41	23	12	any	any	DET
gp-41	23	13	economic	economic	ADJ
gp-41	23	14	activity	activity	NOUN
gp-41	23	15	at	at	ADV
gp-41	23	16	all	all	ADV
gp-41	23	17	,	,	PUNCT
gp-41	23	18	especially	especially	ADV
gp-41	23	19	when	when	SCONJ
gp-41	23	20	their	their	PRON
gp-41	23	21	level	level	NOUN
gp-41	23	22	of	of	ADP
gp-41	23	23	disability	disability	NOUN
gp-41	23	24	is	be	AUX
gp-41	23	25	extremely	extremely	ADV
gp-41	23	26	debilitating	debilitating	ADJ
gp-41	23	27	.	.	PUNCT
gp-41	24	1	the	the	DET
gp-41	24	2	hope	hope	NOUN
gp-41	24	3	was	be	AUX
gp-41	24	4	that	that	DET
gp-41	24	5	microfinance	microfinance	NOUN
gp-41	24	6	,	,	PUNCT
gp-41	24	7	as	as	ADP
gp-41	24	8	a	a	DET
gp-41	24	9	form	form	NOUN
gp-41	24	10	of	of	ADP
gp-41	24	11	informal	informal	ADJ
gp-41	24	12	financial	financial	ADJ
gp-41	24	13	service	service	NOUN
gp-41	24	14	that	that	PRON
gp-41	24	15	targets	target	VERB
gp-41	24	16	the	the	DET
gp-41	24	17	entrepreneurial	entrepreneurial	ADJ
gp-41	24	18	poor	poor	ADJ
gp-41	24	19	and	and	CCONJ
gp-41	24	20	the	the	DET
gp-41	24	21	vulnerable	vulnerable	ADJ
gp-41	24	22	,	,	PUNCT
gp-41	24	23	could	could	AUX
gp-41	24	24	reach	reach	VERB
gp-41	24	25	out	out	ADP
gp-41	24	26	to	to	ADP
gp-41	24	27	such	such	ADJ
gp-41	24	28	groups	group	NOUN
gp-41	24	29	of	of	ADP
gp-41	24	30	people	people	NOUN
gp-41	24	31	and	and	CCONJ
gp-41	24	32	uplift	uplift	VERB
gp-41	24	33	them	they	PRON
gp-41	24	34	from	from	ADP
gp-41	24	35	poverty	poverty	NOUN
gp-41	24	36	.	.	PUNCT
gp-41	25	1	microfinance	microfinance	NOUN
gp-41	25	2	is	be	AUX
gp-41	25	3	perceived	perceive	VERB
gp-41	25	4	as	as	ADP
gp-41	25	5	a	a	DET
gp-41	25	6	tool	tool	NOUN
gp-41	25	7	for	for	ADP
gp-41	25	8	reducing	reduce	VERB
gp-41	25	9	poverty	poverty	NOUN
gp-41	25	10	and	and	CCONJ
gp-41	25	11	achieving	achieve	VERB
gp-41	25	12	economic	economic	ADJ
gp-41	25	13	empowerment	empowerment	NOUN
gp-41	25	14	of	of	ADP
gp-41	25	15	people	people	NOUN
gp-41	25	16	with	with	ADP
gp-41	25	17	disabilities	disability	NOUN
gp-41	25	18	armendariz	armendariz	PROPN
gp-41	25	19	&	&	CCONJ
gp-41	25	20	labie	labie	PROPN
gp-41	25	21	,	,	PUNCT
gp-41	25	22	(	(	PUNCT
gp-41	25	23	2011	2011	NUM
gp-41	25	24	)	)	PUNCT
gp-41	25	25	,	,	PUNCT
gp-41	25	26	and	and	CCONJ
gp-41	25	27	is	be	AUX
gp-41	25	28	also	also	ADV
gp-41	25	29	expected	expect	VERB
gp-41	25	30	to	to	PART
gp-41	25	31	meet	meet	VERB
gp-41	25	32	the	the	DET
gp-41	25	33	financial	financial	ADJ
gp-41	25	34	needs	need	NOUN
gp-41	25	35	of	of	ADP
gp-41	25	36	clients	client	NOUN
gp-41	25	37	with	with	ADP
gp-41	25	38	disabilities	disability	NOUN
gp-41	25	39	and	and	CCONJ
gp-41	25	40	support	support	VERB
gp-41	25	41	them	they	PRON
gp-41	25	42	to	to	PART
gp-41	25	43	invest	invest	VERB
gp-41	25	44	in	in	ADP
gp-41	25	45	economic	economic	ADJ
gp-41	25	46	activities	activity	NOUN
gp-41	25	47	which	which	PRON
gp-41	25	48	can	can	AUX
gp-41	25	49	enhance	enhance	VERB
gp-41	25	50	their	their	PRON
gp-41	25	51	living	living	NOUN
gp-41	25	52	standards	standard	NOUN
gp-41	25	53	.	.	PUNCT
gp-41	26	1	in	in	ADP
gp-41	26	2	contemporary	contemporary	PROPN
gp-41	26	3	times	time	NOUN
gp-41	26	4	,	,	PUNCT
gp-41	26	5	there	there	PRON
gp-41	26	6	is	be	VERB
gp-41	26	7	doubt	doubt	NOUN
gp-41	26	8	about	about	ADP
gp-41	26	9	informal	informal	ADJ
gp-41	26	10	financial	financial	ADJ
gp-41	26	11	institutions	institution	NOUN
gp-41	26	12	regarding	regard	VERB
gp-41	26	13	the	the	DET
gp-41	26	14	vulnerable	vulnerable	ADJ
gp-41	26	15	and	and	CCONJ
gp-41	26	16	people	people	NOUN
gp-41	26	17	with	with	ADP
gp-41	26	18	disability	disability	NOUN
gp-41	26	19	.	.	PUNCT
gp-41	27	1	a	a	DET
gp-41	27	2	search	search	NOUN
gp-41	27	3	for	for	ADP
gp-41	27	4	alternative	alternative	ADJ
gp-41	27	5	banking	banking	NOUN
gp-41	27	6	systems	system	NOUN
gp-41	27	7	for	for	ADP
gp-41	27	8	people	people	NOUN
gp-41	27	9	with	with	ADP
gp-41	27	10	disability	disability	NOUN
gp-41	27	11	is	be	AUX
gp-41	27	12	,	,	PUNCT
gp-41	27	13	therefore	therefore	ADV
gp-41	27	14	,	,	PUNCT
gp-41	27	15	essential	essential	ADJ
gp-41	27	16	(	(	PUNCT
gp-41	27	17	wentz	wentz	PROPN
gp-41	27	18	et	et	PROPN
gp-41	27	19	al	al	PROPN
gp-41	27	20	.	.	PROPN
gp-41	27	21	,	,	PUNCT
gp-41	27	22	2019	2019	NUM
gp-41	27	23	)	)	PUNCT
gp-41	27	24	.	.	PUNCT
gp-41	28	1	in	in	ADP
gp-41	28	2	this	this	DET
gp-41	28	3	regard	regard	NOUN
gp-41	28	4	,	,	PUNCT
gp-41	28	5	mobile	mobile	ADJ
gp-41	28	6	money	money	NOUN
gp-41	28	7	seems	seem	VERB
gp-41	28	8	to	to	PART
gp-41	28	9	offer	offer	VERB
gp-41	28	10	people	people	NOUN
gp-41	28	11	with	with	ADP
gp-41	28	12	disability	disability	NOUN
gp-41	28	13	opportunities	opportunity	NOUN
gp-41	28	14	to	to	PART
gp-41	28	15	access	access	VERB
gp-41	28	16	financial	financial	ADJ
gp-41	28	17	services	service	NOUN
gp-41	28	18	.	.	PUNCT
gp-41	29	1	mobile	mobile	ADJ
gp-41	29	2	money	money	NOUN
gp-41	29	3	has	have	AUX
gp-41	29	4	also	also	ADV
gp-41	29	5	become	become	VERB
gp-41	29	6	an	an	DET
gp-41	29	7	innovative	innovative	ADJ
gp-41	29	8	financial	financial	ADJ
gp-41	29	9	solution	solution	NOUN
gp-41	29	10	to	to	PART
gp-41	29	11	reach	reach	VERB
gp-41	29	12	the	the	DET
gp-41	29	13	unbanked	unbanked	ADJ
gp-41	29	14	,	,	PUNCT
gp-41	29	15	under	under	ADV
gp-41	29	16	-	-	PUNCT
gp-41	29	17	banked	bank	VERB
gp-41	29	18	and	and	CCONJ
gp-41	29	19	those	those	PRON
gp-41	29	20	that	that	PRON
gp-41	29	21	have	have	AUX
gp-41	29	22	been	be	AUX
gp-41	29	23	neglected	neglect	VERB
gp-41	29	24	by	by	ADP
gp-41	29	25	the	the	DET
gp-41	29	26	formal	formal	ADJ
gp-41	29	27	financial	financial	ADJ
gp-41	29	28	systems	system	NOUN
gp-41	29	29	(	(	PUNCT
gp-41	29	30	david	david	PROPN
gp-41	29	31	-	-	PUNCT
gp-41	29	32	west	west	PROPN
gp-41	29	33	et	et	PROPN
gp-41	29	34	al	al	PROPN
gp-41	29	35	.	.	PROPN
gp-41	29	36	,	,	PUNCT
gp-41	29	37	2018	2018	NUM
gp-41	29	38	)	)	PUNCT
gp-41	29	39	.	.	PUNCT
gp-41	30	1	as	as	ADP
gp-41	30	2	a	a	DET
gp-41	30	3	recent	recent	ADJ
gp-41	30	4	technological	technological	ADJ
gp-41	30	5	innovation	innovation	NOUN
gp-41	30	6	,	,	PUNCT
gp-41	30	7	mobile	mobile	ADJ
gp-41	30	8	money	money	NOUN
gp-41	30	9	provides	provide	VERB
gp-41	30	10	financial	financial	ADJ
gp-41	30	11	transaction	transaction	NOUN
gp-41	30	12	services	service	NOUN
gp-41	30	13	via	via	ADP
gp-41	30	14	mobile	mobile	ADJ
gp-41	30	15	phone	phone	NOUN
gp-41	30	16	,	,	PUNCT
gp-41	30	17	including	include	VERB
gp-41	30	18	to	to	ADP
gp-41	30	19	the	the	DET
gp-41	30	20	unbanked	unbanked	ADJ
gp-41	30	21	global	global	ADJ
gp-41	30	22	poor	poor	ADJ
gp-41	30	23	and	and	CCONJ
gp-41	30	24	people	people	NOUN
gp-41	30	25	living	live	VERB
gp-41	30	26	with	with	ADP
gp-41	30	27	disability	disability	NOUN
gp-41	30	28	.	.	PUNCT
gp-41	31	1	to	to	ADP
gp-41	31	2	the	the	DET
gp-41	31	3	best	good	ADJ
gp-41	31	4	of	of	ADP
gp-41	31	5	our	our	PRON
gp-41	31	6	knowledge	knowledge	NOUN
gp-41	31	7	,	,	PUNCT
gp-41	31	8	we	we	PRON
gp-41	31	9	are	be	AUX
gp-41	31	10	not	not	PART
gp-41	31	11	aware	aware	ADJ
gp-41	31	12	of	of	ADP
gp-41	31	13	the	the	DET
gp-41	31	14	extent	extent	NOUN
gp-41	31	15	to	to	PART
gp-41	31	16	which	which	PRON
gp-41	31	17	mobile	mobile	ADJ
gp-41	31	18	money	money	NOUN
gp-41	31	19	serves	serve	VERB
gp-41	31	20	the	the	DET
gp-41	31	21	vulnerable	vulnerable	ADJ
gp-41	31	22	,	,	PUNCT
gp-41	31	23	such	such	ADJ
gp-41	31	24	as	as	ADP
gp-41	31	25	people	people	NOUN
gp-41	31	26	living	live	VERB
gp-41	31	27	with	with	ADP
gp-41	31	28	disability	disability	NOUN
gp-41	31	29	(	(	PUNCT
gp-41	31	30	peprah	peprah	PROPN
gp-41	31	31	et	et	PROPN
gp-41	31	32	al	al	PROPN
gp-41	31	33	.	.	PROPN
gp-41	31	34	,	,	PUNCT
gp-41	31	35	2022	2022	NUM
gp-41	31	36	)	)	PUNCT
gp-41	31	37	.	.	PUNCT
gp-41	32	1	aside	aside	ADV
gp-41	32	2	from	from	ADP
gp-41	32	3	the	the	DET
gp-41	32	4	limited	limited	ADJ
gp-41	32	5	academic	academic	ADJ
gp-41	32	6	literature	literature	NOUN
gp-41	32	7	on	on	ADP
gp-41	32	8	financial	financial	ADJ
gp-41	32	9	services	service	NOUN
gp-41	32	10	and	and	CCONJ
gp-41	32	11	disability	disability	NOUN
gp-41	32	12	mersland	mersland	NOUN
gp-41	32	13	et	et	PROPN
gp-41	32	14	al	al	PROPN
gp-41	32	15	.	.	PROPN
gp-41	32	16	,	,	PUNCT
gp-41	32	17	(	(	PUNCT
gp-41	32	18	2009	2009	NUM
gp-41	32	19	)	)	PUNCT
gp-41	32	20	,	,	PUNCT
gp-41	32	21	little	little	ADJ
gp-41	32	22	is	be	AUX
gp-41	32	23	known	know	VERB
gp-41	32	24	in	in	ADP
gp-41	32	25	the	the	DET
gp-41	32	26	odisha	odisha	PROPN
gp-41	32	27	context	context	NOUN
gp-41	32	28	about	about	ADP
gp-41	32	29	the	the	DET
gp-41	32	30	level	level	NOUN
gp-41	32	31	of	of	ADP
gp-41	32	32	financial	financial	ADJ
gp-41	32	33	services	service	NOUN
gp-41	32	34	among	among	ADP
gp-41	32	35	pwds	pwds	PROPN
gp-41	32	36	.	.	PUNCT
gp-41	33	1	besides	besides	SCONJ
gp-41	33	2	,	,	PUNCT
gp-41	33	3	no	no	DET
gp-41	33	4	policy	policy	NOUN
gp-41	33	5	has	have	AUX
gp-41	33	6	been	be	AUX
gp-41	33	7	put	put	VERB
gp-41	33	8	in	in	ADP
gp-41	33	9	place	place	NOUN
gp-41	33	10	to	to	PART
gp-41	33	11	ensure	ensure	VERB
gp-41	33	12	that	that	SCONJ
gp-41	33	13	such	such	ADJ
gp-41	33	14	groups	group	NOUN
gp-41	33	15	of	of	ADP
gp-41	33	16	people	people	NOUN
gp-41	33	17	have	have	VERB
gp-41	33	18	equal	equal	ADJ
gp-41	33	19	access	access	NOUN
gp-41	33	20	to	to	ADP
gp-41	33	21	financial	financial	ADJ
gp-41	33	22	services	service	NOUN
gp-41	33	23	as	as	SCONJ
gp-41	33	24	do	do	VERB
gp-41	33	25	their	their	PRON
gp-41	33	26	counterparts	counterpart	NOUN
gp-41	33	27	.	.	PUNCT
gp-41	34	1	embedded	embed	VERB
gp-41	34	2	in	in	ADP
gp-41	34	3	this	this	DET
gp-41	34	4	problem	problem	NOUN
gp-41	34	5	is	be	AUX
gp-41	34	6	the	the	DET
gp-41	34	7	fact	fact	NOUN
gp-41	34	8	that	that	SCONJ
gp-41	34	9	there	there	PRON
gp-41	34	10	seems	seem	VERB
gp-41	34	11	to	to	PART
gp-41	34	12	be	be	AUX
gp-41	34	13	a	a	DET
gp-41	34	14	low	low	ADJ
gp-41	34	15	level	level	NOUN
gp-41	34	16	of	of	ADP
gp-41	34	17	savings	saving	NOUN
gp-41	34	18	and	and	CCONJ
gp-41	34	19	access	access	NOUN
gp-41	34	20	to	to	ADP
gp-41	34	21	credit	credit	NOUN
gp-41	34	22	,	,	PUNCT
gp-41	34	23	as	as	ADV
gp-41	34	24	well	well	ADV
gp-41	34	25	as	as	ADP
gp-41	34	26	limited	limited	ADJ
gp-41	34	27	access	access	NOUN
gp-41	34	28	to	to	ADP
gp-41	34	29	alternative	alternative	ADJ
gp-41	34	30	financial	financial	ADJ
gp-41	34	31	services	service	NOUN
gp-41	34	32	among	among	ADP
gp-41	34	33	vulnerable	vulnerable	ADJ
gp-41	34	34	households	household	NOUN
gp-41	34	35	and	and	CCONJ
gp-41	34	36	individual	individual	NOUN
gp-41	34	37	and	and	CCONJ
gp-41	34	38	pwds	pwds	PROPN
gp-41	34	39	,	,	PUNCT
gp-41	34	40	which	which	PRON
gp-41	34	41	compounds	compound	VERB
gp-41	34	42	their	their	PRON
gp-41	34	43	perceived	perceive	VERB
gp-41	34	44	unproductively	unproductively	ADV
gp-41	34	45	.	.	PUNCT
gp-41	35	1	the	the	DET
gp-41	35	2	problem	problem	NOUN
gp-41	35	3	may	may	AUX
gp-41	35	4	become	become	VERB
gp-41	35	5	severe	severe	ADJ
gp-41	35	6	for	for	ADP
gp-41	35	7	pwds	pwds	NOUN
gp-41	35	8	in	in	ADP
gp-41	35	9	the	the	DET
gp-41	35	10	informal	informal	ADJ
gp-41	35	11	sector	sector	NOUN
gp-41	35	12	compared	compare	VERB
gp-41	35	13	with	with	ADP
gp-41	35	14	those	those	PRON
gp-41	35	15	in	in	ADP
gp-41	35	16	the	the	DET
gp-41	35	17	formal	formal	ADJ
gp-41	35	18	sector	sector	NOUN
gp-41	35	19	.	.	PUNCT
gp-41	36	1	the	the	DET
gp-41	36	2	uniqueness	uniqueness	NOUN
gp-41	36	3	of	of	ADP
gp-41	36	4	this	this	DET
gp-41	36	5	paper	paper	NOUN
gp-41	36	6	is	be	AUX
gp-41	36	7	that	that	SCONJ
gp-41	36	8	we	we	PRON
gp-41	36	9	provide	provide	VERB
gp-41	36	10	a	a	DET
gp-41	36	11	novel	novel	ADJ
gp-41	36	12	analysis	analysis	NOUN
gp-41	36	13	of	of	ADP
gp-41	36	14	the	the	DET
gp-41	36	15	determinants	determinant	NOUN
gp-41	36	16	of	of	ADP
gp-41	36	17	access	access	NOUN
gp-41	36	18	and	and	CCONJ
gp-41	36	19	assess	assess	VERB
gp-41	36	20	the	the	DET
gp-41	36	21	level	level	NOUN
gp-41	36	22	of	of	ADP
gp-41	36	23	informal	informal	ADJ
gp-41	36	24	financial	financial	ADJ
gp-41	36	25	services	service	NOUN
gp-41	36	26	and	and	CCONJ
gp-41	36	27	the	the	DET
gp-41	36	28	use	use	NOUN
gp-41	36	29	of	of	ADP
gp-41	36	30	mobile	mobile	ADJ
gp-41	36	31	money	money	NOUN
gp-41	36	32	among	among	ADP
gp-41	36	33	pwds	pwds	NOUN
gp-41	36	34	.	.	PUNCT
gp-41	37	1	our	our	PRON
gp-41	37	2	argument	argument	NOUN
gp-41	37	3	is	be	AUX
gp-41	37	4	that	that	SCONJ
gp-41	37	5	if	if	SCONJ
gp-41	37	6	pwds	pwd	NOUN
gp-41	37	7	are	be	AUX
gp-41	37	8	denied	deny	VERB
gp-41	37	9	the	the	DET
gp-41	37	10	use	use	NOUN
gp-41	37	11	of	of	ADP
gp-41	37	12	financial	financial	ADJ
gp-41	37	13	services	service	NOUN
gp-41	37	14	which	which	PRON
gp-41	37	15	worsens	worsen	VERB
gp-41	37	16	their	their	PRON
gp-41	37	17	disability	disability	NOUN
gp-41	37	18	status	status	NOUN
gp-41	37	19	as	as	SCONJ
gp-41	37	20	defined	define	VERB
gp-41	37	21	by	by	ADP
gp-41	37	22	society	society	NOUN
gp-41	37	23	(	(	PUNCT
gp-41	37	24	tsatsou	tsatsou	NOUN
gp-41	37	25	,	,	PUNCT
gp-41	37	26	2021	2021	NUM
gp-41	37	27	)	)	PUNCT
gp-41	37	28	,	,	PUNCT
gp-41	37	29	then	then	ADV
gp-41	37	30	the	the	DET
gp-41	37	31	alternative	alternative	NOUN
gp-41	37	32	could	could	AUX
gp-41	37	33	be	be	AUX
gp-41	37	34	the	the	DET
gp-41	37	35	use	use	NOUN
gp-41	37	36	of	of	ADP
gp-41	37	37	mobile	mobile	ADJ
gp-41	37	38	money	money	NOUN
gp-41	37	39	which	which	PRON
gp-41	37	40	provides	provide	VERB
gp-41	37	41	remote	remote	ADJ
gp-41	37	42	financial	financial	ADJ
gp-41	37	43	transactions	transaction	NOUN
gp-41	37	44	.	.	PUNCT
gp-41	38	1	in	in	ADP
gp-41	38	2	doing	do	VERB
gp-41	38	3	this	this	PRON
gp-41	38	4	,	,	PUNCT
gp-41	38	5	we	we	PRON
gp-41	38	6	use	use	VERB
gp-41	38	7	the	the	DET
gp-41	38	8	recent	recent	ADJ
gp-41	38	9	living	living	NOUN
gp-41	38	10	standards	standard	NOUN
gp-41	38	11	survey	survey	VERB
gp-41	38	12	to	to	PART
gp-41	38	13	examine	examine	VERB
gp-41	38	14	the	the	DET
gp-41	38	15	level	level	NOUN
gp-41	38	16	american	american	ADJ
gp-41	38	17	journal	journal	NOUN
gp-41	38	18	of	of	ADP
gp-41	38	19	economic	economic	ADJ
gp-41	38	20	and	and	CCONJ
gp-41	38	21	management	management	NOUN
gp-41	38	22	business	business	NOUN
gp-41	38	23	vol	vol	NOUN
gp-41	38	24	.	.	PROPN
gp-41	39	1	2	2	NUM
gp-41	40	1	no	no	NOUN
gp-41	40	2	.	.	NOUN
gp-41	41	1	6	6	NUM
gp-41	41	2	june	june	PROPN
gp-41	41	3	2023	2023	NUM
gp-41	41	4	206	206	NUM
gp-41	41	5	of	of	ADP
gp-41	41	6	financial	financial	ADJ
gp-41	41	7	services	service	NOUN
gp-41	41	8	among	among	ADP
gp-41	41	9	pwds	pwds	NOUN
gp-41	41	10	.	.	PUNCT
gp-41	42	1	controlling	control	VERB
gp-41	42	2	for	for	ADP
gp-41	42	3	other	other	ADJ
gp-41	42	4	factors	factor	NOUN
gp-41	42	5	;	;	PUNCT
gp-41	42	6	we	we	PRON
gp-41	42	7	examine	examine	VERB
gp-41	42	8	the	the	DET
gp-41	42	9	effect	effect	NOUN
gp-41	42	10	of	of	ADP
gp-41	42	11	having	have	VERB
gp-41	42	12	a	a	DET
gp-41	42	13	disability	disability	NOUN
gp-41	42	14	status	status	NOUN
gp-41	42	15	on	on	ADP
gp-41	42	16	the	the	DET
gp-41	42	17	use	use	NOUN
gp-41	42	18	of	of	ADP
gp-41	42	19	financial	financial	ADJ
gp-41	42	20	services	service	NOUN
gp-41	42	21	.	.	PUNCT
gp-41	43	1	even	even	ADV
gp-41	43	2	though	though	SCONJ
gp-41	43	3	not	not	PART
gp-41	43	4	documented	document	VERB
gp-41	43	5	,	,	PUNCT
gp-41	43	6	it	it	PRON
gp-41	43	7	is	be	AUX
gp-41	43	8	well	well	ADV
gp-41	43	9	known	know	VERB
gp-41	43	10	that	that	SCONJ
gp-41	43	11	pwds	pwd	NOUN
gp-41	43	12	face	face	VERB
gp-41	43	13	several	several	ADJ
gp-41	43	14	challenges	challenge	NOUN
gp-41	43	15	in	in	ADP
gp-41	43	16	society	society	NOUN
gp-41	43	17	,	,	PUNCT
gp-41	43	18	including	include	VERB
gp-41	43	19	access	access	NOUN
gp-41	43	20	to	to	ADP
gp-41	43	21	financial	financial	ADJ
gp-41	43	22	services	service	NOUN
gp-41	43	23	.	.	PUNCT
gp-41	44	1	however	however	ADV
gp-41	44	2	,	,	PUNCT
gp-41	44	3	in	in	ADP
gp-41	44	4	the	the	DET
gp-41	44	5	context	context	NOUN
gp-41	44	6	of	of	ADP
gp-41	44	7	odisha	odisha	PROPN
gp-41	44	8	,	,	PUNCT
gp-41	44	9	no	no	DET
gp-41	44	10	study	study	NOUN
gp-41	44	11	has	have	AUX
gp-41	44	12	investigated	investigate	VERB
gp-41	44	13	the	the	DET
gp-41	44	14	extent	extent	NOUN
gp-41	44	15	to	to	PART
gp-41	44	16	which	which	PRON
gp-41	44	17	this	this	DET
gp-41	44	18	issue	issue	NOUN
gp-41	44	19	exists	exist	VERB
gp-41	44	20	;	;	PUNCT
gp-41	44	21	in	in	ADP
gp-41	44	22	addition	addition	NOUN
gp-41	44	23	to	to	ADP
gp-41	44	24	examining	examine	VERB
gp-41	44	25	the	the	DET
gp-41	44	26	effects	effect	NOUN
gp-41	44	27	of	of	ADP
gp-41	44	28	having	have	VERB
gp-41	44	29	a	a	DET
gp-41	44	30	disability	disability	NOUN
gp-41	44	31	status	status	NOUN
gp-41	44	32	on	on	ADP
gp-41	44	33	access	access	NOUN
gp-41	44	34	to	to	ADP
gp-41	44	35	financial	financial	ADJ
gp-41	44	36	services	service	NOUN
gp-41	44	37	,	,	PUNCT
gp-41	44	38	we	we	PRON
gp-41	44	39	also	also	ADV
gp-41	44	40	contribute	contribute	VERB
gp-41	44	41	to	to	ADP
gp-41	44	42	investigating	investigate	VERB
gp-41	44	43	the	the	DET
gp-41	44	44	extent	extent	NOUN
gp-41	44	45	to	to	PART
gp-41	44	46	which	which	PRON
gp-41	44	47	having	have	VERB
gp-41	44	48	some	some	DET
gp-41	44	49	form	form	NOUN
gp-41	44	50	of	of	ADP
gp-41	44	51	disability	disability	NOUN
gp-41	44	52	affects	affect	VERB
gp-41	44	53	access	access	NOUN
gp-41	44	54	to	to	ADP
gp-41	44	55	financial	financial	ADJ
gp-41	44	56	services	service	NOUN
gp-41	44	57	in	in	ADP
gp-41	44	58	odisha	odisha	PROPN
gp-41	44	59	.	.	PUNCT
gp-41	45	1	we	we	PRON
gp-41	45	2	document	document	VERB
gp-41	45	3	policies	policy	NOUN
gp-41	45	4	that	that	PRON
gp-41	45	5	will	will	AUX
gp-41	45	6	contribute	contribute	VERB
gp-41	45	7	to	to	ADP
gp-41	45	8	bridging	bridge	VERB
gp-41	45	9	the	the	DET
gp-41	45	10	gap	gap	NOUN
gp-41	45	11	between	between	ADP
gp-41	45	12	pwds	pwds	NOUN
gp-41	45	13	and	and	CCONJ
gp-41	45	14	those	those	PRON
gp-41	45	15	without	without	ADP
gp-41	45	16	.	.	PUNCT
gp-41	46	1	based	base	VERB
gp-41	46	2	on	on	ADP
gp-41	46	3	the	the	DET
gp-41	46	4	concepts	concept	NOUN
gp-41	46	5	of	of	ADP
gp-41	46	6	the	the	DET
gp-41	46	7	social	social	ADJ
gp-41	46	8	model	model	NOUN
gp-41	46	9	of	of	ADP
gp-41	46	10	disability	disability	NOUN
gp-41	46	11	,	,	PUNCT
gp-41	46	12	these	these	PRON
gp-41	46	13	are	be	AUX
gp-41	46	14	expected	expect	VERB
gp-41	46	15	to	to	PART
gp-41	46	16	reduce	reduce	VERB
gp-41	46	17	the	the	DET
gp-41	46	18	disability	disability	NOUN
gp-41	46	19	status	status	NOUN
gp-41	46	20	of	of	ADP
gp-41	46	21	people	people	NOUN
gp-41	46	22	as	as	SCONJ
gp-41	46	23	defined	define	VERB
gp-41	46	24	by	by	ADP
gp-41	46	25	society	society	NOUN
gp-41	46	26	through	through	ADP
gp-41	46	27	the	the	DET
gp-41	46	28	barriers	barrier	NOUN
gp-41	46	29	.	.	PUNCT
gp-41	47	1	the	the	DET
gp-41	47	2	remaining	remain	VERB
gp-41	47	3	sections	section	NOUN
gp-41	47	4	of	of	ADP
gp-41	47	5	the	the	DET
gp-41	47	6	paper	paper	NOUN
gp-41	47	7	are	be	AUX
gp-41	47	8	organized	organize	VERB
gp-41	47	9	as	as	SCONJ
gp-41	47	10	follows	follow	VERB
gp-41	47	11	:	:	PUNCT
gp-41	47	12	the	the	DET
gp-41	47	13	next	next	ADJ
gp-41	47	14	section	section	NOUN
gp-41	47	15	reviews	review	VERB
gp-41	47	16	related	relate	VERB
gp-41	47	17	literature	literature	NOUN
gp-41	47	18	;	;	PUNCT
gp-41	47	19	section	section	NOUN
gp-41	47	20	three	three	NUM
gp-41	47	21	discusses	discuss	VERB
gp-41	47	22	disability	disability	NOUN
gp-41	47	23	and	and	CCONJ
gp-41	47	24	access	access	NOUN
gp-41	47	25	to	to	ADP
gp-41	47	26	financial	financial	ADJ
gp-41	47	27	services	service	NOUN
gp-41	47	28	;	;	PUNCT
gp-41	47	29	the	the	DET
gp-41	47	30	methodology	methodology	NOUN
gp-41	47	31	and	and	CCONJ
gp-41	47	32	identification	identification	NOUN
gp-41	47	33	strategy	strategy	NOUN
gp-41	47	34	are	be	AUX
gp-41	47	35	discussed	discuss	VERB
gp-41	47	36	in	in	ADP
gp-41	47	37	section	section	NOUN
gp-41	47	38	four	four	NUM
gp-41	47	39	;	;	PUNCT
gp-41	47	40	in	in	ADP
gp-41	47	41	section	section	NOUN
gp-41	47	42	five	five	NUM
gp-41	47	43	we	we	PRON
gp-41	47	44	present	present	VERB
gp-41	47	45	the	the	DET
gp-41	47	46	results	result	NOUN
gp-41	47	47	and	and	CCONJ
gp-41	47	48	discussion	discussion	NOUN
gp-41	47	49	;	;	PUNCT
gp-41	47	50	and	and	CCONJ
gp-41	47	51	the	the	DET
gp-41	47	52	final	final	ADJ
gp-41	47	53	section	section	NOUN
gp-41	47	54	concludes	conclude	VERB
gp-41	47	55	with	with	SCONJ
gp-41	47	56	recommendations	recommendation	NOUN
gp-41	47	57	research	research	NOUN
gp-41	47	58	methods	method	NOUN
gp-41	47	59	to	to	PART
gp-41	47	60	examine	examine	VERB
gp-41	47	61	the	the	DET
gp-41	47	62	level	level	NOUN
gp-41	47	63	of	of	ADP
gp-41	47	64	access	access	NOUN
gp-41	47	65	to	to	ADP
gp-41	47	66	financial	financial	ADJ
gp-41	47	67	services	service	NOUN
gp-41	47	68	among	among	ADP
gp-41	47	69	pwds	pwds	NOUN
gp-41	47	70	,	,	PUNCT
gp-41	47	71	we	we	PRON
gp-41	47	72	use	use	VERB
gp-41	47	73	data	datum	NOUN
gp-41	47	74	from	from	ADP
gp-41	47	75	odisha	odisha	PROPN
gp-41	47	76	economic	economic	ADJ
gp-41	47	77	survey	survey	NOUN
gp-41	47	78	2021	2021	NUM
gp-41	47	79	-	-	SYM
gp-41	47	80	22	22	NUM
gp-41	47	81	(	(	PUNCT
gp-41	47	82	mcgarity	mcgarity	NOUN
gp-41	47	83	&	&	CCONJ
gp-41	47	84	caplan	caplan	PROPN
gp-41	47	85	,	,	PUNCT
gp-41	47	86	2019	2019	NUM
gp-41	47	87	)	)	PUNCT
gp-41	47	88	.	.	PUNCT
gp-41	48	1	this	this	PRON
gp-41	48	2	is	be	AUX
gp-41	48	3	the	the	DET
gp-41	48	4	latest	late	ADJ
gp-41	48	5	national	national	ADJ
gp-41	48	6	representative	representative	ADJ
gp-41	48	7	survey	survey	NOUN
gp-41	48	8	about	about	ADP
gp-41	48	9	odisha	odisha	PROPN
gp-41	48	10	individuals	individual	NOUN
gp-41	48	11	and	and	CCONJ
gp-41	48	12	households	household	NOUN
gp-41	48	13	.	.	PUNCT
gp-41	49	1	the	the	DET
gp-41	49	2	survey	survey	NOUN
gp-41	49	3	was	be	AUX
gp-41	49	4	conducted	conduct	VERB
gp-41	49	5	in	in	ADP
gp-41	49	6	2020/2021	2020/2021	NUM
gp-41	49	7	across	across	ADP
gp-41	49	8	all	all	DET
gp-41	49	9	the	the	DET
gp-41	49	10	regions	region	NOUN
gp-41	49	11	of	of	ADP
gp-41	49	12	odisha	odisha	PROPN
gp-41	49	13	.	.	PUNCT
gp-41	50	1	in	in	ADP
gp-41	50	2	this	this	DET
gp-41	50	3	dataset	dataset	NOUN
gp-41	50	4	,	,	PUNCT
gp-41	50	5	the	the	DET
gp-41	50	6	following	follow	VERB
gp-41	50	7	files	file	NOUN
gp-41	50	8	were	be	AUX
gp-41	50	9	merged	merge	VERB
gp-41	50	10	:	:	PUNCT
gp-41	50	11	health	health	NOUN
gp-41	50	12	,	,	PUNCT
gp-41	50	13	poverty	poverty	NOUN
gp-41	50	14	,	,	PUNCT
gp-41	50	15	expenditure	expenditure	NOUN
gp-41	50	16	,	,	PUNCT
gp-41	50	17	credit	credit	NOUN
gp-41	50	18	,	,	PUNCT
gp-41	50	19	assets	asset	NOUN
gp-41	50	20	,	,	PUNCT
gp-41	50	21	savings	saving	NOUN
gp-41	50	22	and	and	CCONJ
gp-41	50	23	use	use	NOUN
gp-41	50	24	of	of	ADP
gp-41	50	25	financial	financial	ADJ
gp-41	50	26	services	service	NOUN
gp-41	50	27	.	.	PUNCT
gp-41	51	1	these	these	DET
gp-41	51	2	files	file	NOUN
gp-41	51	3	contain	contain	VERB
gp-41	51	4	information	information	NOUN
gp-41	51	5	about	about	ADP
gp-41	51	6	the	the	DET
gp-41	51	7	disability	disability	NOUN
gp-41	51	8	conditions	condition	NOUN
gp-41	51	9	of	of	ADP
gp-41	51	10	individuals	individual	NOUN
gp-41	51	11	,	,	PUNCT
gp-41	51	12	socioeconomic	socioeconomic	ADJ
gp-41	51	13	and	and	CCONJ
gp-41	51	14	demographic	demographic	ADJ
gp-41	51	15	characteristics	characteristic	NOUN
gp-41	51	16	,	,	PUNCT
gp-41	51	17	and	and	CCONJ
gp-41	51	18	access	access	NOUN
gp-41	51	19	to	to	ADP
gp-41	51	20	financial	financial	ADJ
gp-41	51	21	services	service	NOUN
gp-41	51	22	by	by	ADP
gp-41	51	23	respondents	respondent	NOUN
gp-41	51	24	.	.	PUNCT
gp-41	52	1	a	a	DET
gp-41	52	2	sample	sample	NOUN
gp-41	52	3	of	of	ADP
gp-41	52	4	860	860	NUM
gp-41	52	5	individuals	individual	NOUN
gp-41	52	6	(	(	PUNCT
gp-41	52	7	1.47	1.47	NUM
gp-41	52	8	%	%	NOUN
gp-41	52	9	)	)	PUNCT
gp-41	52	10	out	out	ADP
gp-41	52	11	of	of	ADP
gp-41	52	12	58,596	58,596	NUM
gp-41	52	13	live	live	ADJ
gp-41	52	14	with	with	ADP
gp-41	52	15	several	several	ADJ
gp-41	52	16	forms	form	NOUN
gp-41	52	17	of	of	ADP
gp-41	52	18	disabilities	disability	NOUN
gp-41	52	19	including	include	VERB
gp-41	52	20	hearing	hearing	NOUN
gp-41	52	21	,	,	PUNCT
gp-41	52	22	speech	speech	NOUN
gp-41	52	23	,	,	PUNCT
gp-41	52	24	physical	physical	ADJ
gp-41	52	25	,	,	PUNCT
gp-41	52	26	intellectual	intellectual	ADJ
gp-41	52	27	,	,	PUNCT
gp-41	52	28	emotional	emotional	ADJ
gp-41	52	29	and	and	CCONJ
gp-41	52	30	others	other	NOUN
gp-41	52	31	.	.	PUNCT
gp-41	53	1	the	the	DET
gp-41	53	2	financial	financial	ADJ
gp-41	53	3	services	service	NOUN
gp-41	53	4	file	file	NOUN
gp-41	53	5	contains	contain	VERB
gp-41	53	6	information	information	NOUN
gp-41	53	7	about	about	ADP
gp-41	53	8	credit	credit	NOUN
gp-41	53	9	,	,	PUNCT
gp-41	53	10	assets	asset	NOUN
gp-41	53	11	,	,	PUNCT
gp-41	53	12	savings	saving	NOUN
gp-41	53	13	and	and	CCONJ
gp-41	53	14	use	use	NOUN
gp-41	53	15	of	of	ADP
gp-41	53	16	financial	financial	ADJ
gp-41	53	17	services	service	NOUN
gp-41	53	18	by	by	ADP
gp-41	53	19	respondents	respondent	NOUN
gp-41	53	20	.	.	PUNCT
gp-41	54	1	table	table	NOUN
gp-41	54	2	presents	present	VERB
gp-41	54	3	the	the	DET
gp-41	54	4	description	description	NOUN
gp-41	54	5	and	and	CCONJ
gp-41	54	6	measurement	measurement	NOUN
gp-41	54	7	of	of	ADP
gp-41	54	8	variables	variable	NOUN
gp-41	54	9	that	that	PRON
gp-41	54	10	were	be	AUX
gp-41	54	11	used	use	VERB
gp-41	54	12	in	in	ADP
gp-41	54	13	the	the	DET
gp-41	54	14	study	study	NOUN
gp-41	54	15	.	.	PUNCT
gp-41	55	1	disability	disability	NOUN
gp-41	55	2	was	be	AUX
gp-41	55	3	measured	measure	VERB
gp-41	55	4	as	as	ADP
gp-41	55	5	‘	'	PUNCT
gp-41	55	6	yes	yes	INTJ
gp-41	55	7	=	=	SYM
gp-41	55	8	1	1	NUM
gp-41	55	9	’	'	PUNCT
gp-41	55	10	if	if	SCONJ
gp-41	55	11	an	an	DET
gp-41	55	12	individual	individual	NOUN
gp-41	55	13	is	be	AUX
gp-41	55	14	living	live	VERB
gp-41	55	15	with	with	ADP
gp-41	55	16	any	any	DET
gp-41	55	17	form	form	NOUN
gp-41	55	18	of	of	ADP
gp-41	55	19	disability	disability	NOUN
gp-41	55	20	.	.	PUNCT
gp-41	56	1	table-1	table-1	NUM
gp-41	56	2	description	description	NOUN
gp-41	56	3	of	of	ADP
gp-41	56	4	variable	variable	ADJ
gp-41	56	5	variable	variable	ADJ
gp-41	56	6	description	description	NOUN
gp-41	56	7	type	type	NOUN
gp-41	56	8	disability	disability	NOUN
gp-41	56	9	status	status	NOUN
gp-41	56	10	whether	whether	SCONJ
gp-41	56	11	an	an	DET
gp-41	56	12	individual	individual	NOUN
gp-41	56	13	of	of	ADP
gp-41	56	14	the	the	DET
gp-41	56	15	household	household	NOUN
gp-41	56	16	has	have	AUX
gp-41	56	17	disability	disability	NOUN
gp-41	56	18	or	or	CCONJ
gp-41	56	19	not	not	PART
gp-41	56	20	?	?	PUNCT
gp-41	56	21	0	0	PUNCT
gp-41	57	1	=	=	SYM
gp-41	57	2	no	no	INTJ
gp-41	57	3	,	,	PUNCT
gp-41	57	4	1	1	NUM
gp-41	57	5	=	=	NOUN
gp-41	58	1	yes	yes	INTJ
gp-41	58	2	disability	disability	NOUN
gp-41	58	3	type	type	NOUN
gp-41	58	4	sight	sight	NOUN
gp-41	58	5	,	,	PUNCT
gp-41	58	6	hearing	hearing	NOUN
gp-41	58	7	,	,	PUNCT
gp-41	58	8	physical	physical	ADJ
gp-41	58	9	,	,	PUNCT
gp-41	58	10	emotional	emotional	ADJ
gp-41	58	11	,	,	PUNCT
gp-41	58	12	speech	speech	NOUN
gp-41	58	13	,	,	PUNCT
gp-41	58	14	intellectual	intellectual	NOUN
gp-41	58	15	,	,	PUNCT
gp-41	58	16	other	other	ADJ
gp-41	58	17	categorical	categorical	ADJ
gp-41	58	18	access	access	NOUN
gp-41	58	19	to	to	ADP
gp-41	58	20	mobile	mobile	ADJ
gp-41	58	21	money	money	NOUN
gp-41	58	22	does	do	AUX
gp-41	58	23	a	a	DET
gp-41	58	24	member	member	NOUN
gp-41	58	25	have	have	VERB
gp-41	58	26	mobile	mobile	ADJ
gp-41	58	27	money	money	NOUN
gp-41	58	28	?	?	PUNCT
gp-41	58	29	0	0	PUNCT
gp-41	59	1	=	=	SYM
gp-41	59	2	no	no	INTJ
gp-41	59	3	,	,	PUNCT
gp-41	59	4	1	1	NUM
gp-41	59	5	=	=	NOUN
gp-41	59	6	yes	yes	INTJ
gp-41	59	7	access	access	NOUN
gp-41	59	8	to	to	ADP
gp-41	59	9	commercial	commercial	ADJ
gp-41	59	10	bank	bank	PROPN
gp-41	59	11	does	do	AUX
gp-41	59	12	a	a	DET
gp-41	59	13	member	member	NOUN
gp-41	59	14	have	have	VERB
gp-41	59	15	commercial	commercial	ADJ
gp-41	59	16	bank	bank	NOUN
gp-41	59	17	?	?	PUNCT
gp-41	59	18	0	0	PUNCT
gp-41	60	1	=	=	SYM
gp-41	60	2	no	no	INTJ
gp-41	60	3	,	,	PUNCT
gp-41	60	4	1	1	NUM
gp-41	60	5	=	=	NOUN
gp-41	60	6	yes	yes	INTJ
gp-41	60	7	access	access	NOUN
gp-41	60	8	to	to	ADP
gp-41	60	9	community	community	NOUN
gp-41	60	10	and	and	CCONJ
gp-41	60	11	rural	rural	ADJ
gp-41	60	12	bank	bank	NOUN
gp-41	60	13	does	do	AUX
gp-41	60	14	a	a	DET
gp-41	60	15	member	member	NOUN
gp-41	60	16	have	have	VERB
gp-41	60	17	community	community	NOUN
gp-41	60	18	and	and	CCONJ
gp-41	60	19	rural	rural	ADJ
gp-41	60	20	bank	bank	NOUN
gp-41	60	21	account	account	NOUN
gp-41	60	22	?	?	PUNCT
gp-41	60	23	0	0	PUNCT
gp-41	61	1	=	=	SYM
gp-41	61	2	no	no	INTJ
gp-41	61	3	,	,	PUNCT
gp-41	61	4	1	1	NUM
gp-41	61	5	=	=	NOUN
gp-41	61	6	yes	yes	INTJ
gp-41	61	7	ownership	ownership	NOUN
gp-41	61	8	of	of	ADP
gp-41	61	9	bank	bank	NOUN
gp-41	61	10	account	account	NOUN
gp-41	61	11	whether	whether	SCONJ
gp-41	61	12	a	a	DET
gp-41	61	13	member	member	NOUN
gp-41	61	14	have	have	VERB
gp-41	61	15	at	at	ADV
gp-41	61	16	least	least	ADV
gp-41	61	17	one	one	NUM
gp-41	61	18	bank	bank	NOUN
gp-41	61	19	account	account	NOUN
gp-41	61	20	.	.	PUNCT
gp-41	61	21	0	0	PUNCT
gp-41	62	1	=	=	SYM
gp-41	62	2	no	no	INTJ
gp-41	62	3	,	,	PUNCT
gp-41	62	4	1	1	NUM
gp-41	62	5	=	=	SYM
gp-41	62	6	yes	yes	INTJ
gp-41	62	7	phone	phone	NOUN
gp-41	62	8	does	do	AUX
gp-41	62	9	member	member	NOUN
gp-41	62	10	own	own	VERB
gp-41	62	11	a	a	DET
gp-41	62	12	mobile	mobile	ADJ
gp-41	62	13	phone	phone	NOUN
gp-41	62	14	(	(	PUNCT
gp-41	62	15	phone	phone	NOUN
gp-41	62	16	ownership	ownership	NOUN
gp-41	62	17	)	)	PUNCT
gp-41	62	18	?	?	PUNCT
gp-41	62	19	0	0	PUNCT
gp-41	63	1	=	=	SYM
gp-41	63	2	no	no	INTJ
gp-41	63	3	,	,	PUNCT
gp-41	63	4	1	1	NUM
gp-41	63	5	=	=	SYM
gp-41	64	1	yes	yes	INTJ
gp-41	64	2	kabya	kabya	PROPN
gp-41	64	3	sambad	sambad	PROPN
gp-41	64	4	,	,	PUNCT
gp-41	64	5	ashis	ashis	PROPN
gp-41	64	6	kumar	kumar	PROPN
gp-41	64	7	samal	samal	PROPN
gp-41	64	8	207	207	NUM
gp-41	64	9	expenditure	expenditure	NOUN
gp-41	64	10	on	on	ADP
gp-41	64	11	phone	phone	NOUN
gp-41	64	12	total	total	ADJ
gp-41	64	13	expenditure	expenditure	NOUN
gp-41	64	14	on	on	ADP
gp-41	64	15	mobile	mobile	ADJ
gp-41	64	16	phone	phone	NOUN
gp-41	64	17	continuous	continuous	ADJ
gp-41	64	18	sex	sex	NOUN
gp-41	64	19	sex	sex	NOUN
gp-41	64	20	of	of	ADP
gp-41	64	21	respondent	respondent	NOUN
gp-41	64	22	0	0	NUM
gp-41	64	23	=	=	SYM
gp-41	64	24	male	male	NOUN
gp-41	64	25	,	,	PUNCT
gp-41	64	26	1	1	NUM
gp-41	64	27	=	=	SYM
gp-41	64	28	female	female	ADJ
gp-41	64	29	age	age	NOUN
gp-41	64	30	age	age	NOUN
gp-41	64	31	in	in	ADP
gp-41	64	32	years	year	NOUN
gp-41	64	33	continuous	continuous	ADJ
gp-41	64	34	age2	age2	NOUN
gp-41	64	35	age	age	NOUN
gp-41	64	36	in	in	ADP
gp-41	64	37	years	year	NOUN
gp-41	64	38	square	square	ADJ
gp-41	64	39	continuous	continuous	ADJ
gp-41	64	40	location	location	NOUN
gp-41	64	41	location	location	NOUN
gp-41	64	42	of	of	ADP
gp-41	64	43	the	the	DET
gp-41	64	44	respondent	respondent	NOUN
gp-41	64	45	1	1	NUM
gp-41	64	46	=	=	SYM
gp-41	64	47	rural	rural	ADJ
gp-41	64	48	0	0	NUM
gp-41	64	49	=	=	NOUN
gp-41	64	50	urban	urban	ADJ
gp-41	64	51	,	,	PUNCT
gp-41	64	52	education	education	NOUN
gp-41	64	53	level	level	NOUN
gp-41	64	54	levels	level	NOUN
gp-41	64	55	of	of	ADP
gp-41	64	56	educational	educational	ADJ
gp-41	64	57	attainment	attainment	ADJ
gp-41	64	58	categorical	categorical	ADJ
gp-41	64	59	religious	religious	ADJ
gp-41	64	60	affiliation	affiliation	NOUN
gp-41	64	61	religious	religious	ADJ
gp-41	64	62	affiliation	affiliation	NOUN
gp-41	64	63	categorical	categorical	ADJ
gp-41	64	64	marital	marital	ADJ
gp-41	64	65	status	status	NOUN
gp-41	64	66	marital	marital	ADJ
gp-41	64	67	status	status	NOUN
gp-41	64	68	categorical	categorical	ADJ
gp-41	64	69	welfare	welfare	NOUN
gp-41	64	70	per	per	ADP
gp-41	64	71	adult	adult	NOUN
gp-41	64	72	equivalent	equivalent	ADJ
gp-41	64	73	annual	annual	ADJ
gp-41	64	74	household	household	NOUN
gp-41	64	75	consumption	consumption	NOUN
gp-41	64	76	expenditures	expenditure	NOUN
gp-41	64	77	continuous	continuous	ADJ
gp-41	64	78	type	type	NOUN
gp-41	64	79	of	of	ADP
gp-41	64	80	fi	fi	NOUN
gp-41	64	81	having	have	VERB
gp-41	64	82	account	account	NOUN
gp-41	64	83	with	with	ADP
gp-41	64	84	in	in	ADP
gp-41	64	85	what	what	DET
gp-41	64	86	type	type	NOUN
gp-41	64	87	of	of	ADP
gp-41	64	88	financial	financial	ADJ
gp-41	64	89	institution	institution	NOUN
gp-41	64	90	do	do	AUX
gp-41	64	91	you	you	PRON
gp-41	64	92	have	have	VERB
gp-41	64	93	the	the	DET
gp-41	64	94	categorical	categorical	ADJ
gp-41	64	95	source	source	NOUN
gp-41	64	96	:	:	PUNCT
gp-41	64	97	compiled	compile	VERB
gp-41	64	98	from	from	ADP
gp-41	64	99	odisha	odisha	PROPN
gp-41	64	100	economic	economic	ADJ
gp-41	64	101	survey	survey	NOUN
gp-41	64	102	(	(	PUNCT
gp-41	64	103	pani	pani	PROPN
gp-41	64	104	&	&	CCONJ
gp-41	64	105	mishra	mishra	PROPN
gp-41	64	106	,	,	PUNCT
gp-41	64	107	2022	2022	NUM
gp-41	64	108	)	)	PUNCT
gp-41	64	109	model	model	NOUN
gp-41	64	110	specification	specification	NOUN
gp-41	64	111	the	the	DET
gp-41	64	112	probit	probit	NOUN
gp-41	64	113	model	model	NOUN
gp-41	64	114	was	be	AUX
gp-41	64	115	used	use	VERB
gp-41	64	116	to	to	PART
gp-41	64	117	estimate	estimate	VERB
gp-41	64	118	access	access	NOUN
gp-41	64	119	to	to	ADP
gp-41	64	120	financial	financial	ADJ
gp-41	64	121	services	service	NOUN
gp-41	64	122	(	(	PUNCT
gp-41	64	123	access	access	NOUN
gp-41	64	124	to	to	ADP
gp-41	64	125	commercial	commercial	ADJ
gp-41	64	126	bank	bank	NOUN
gp-41	64	127	,	,	PUNCT
gp-41	64	128	community	community	NOUN
gp-41	64	129	and	and	CCONJ
gp-41	64	130	rural	rural	ADJ
gp-41	64	131	bank	bank	NOUN
gp-41	64	132	accounts	account	NOUN
gp-41	64	133	)	)	PUNCT
gp-41	64	134	while	while	SCONJ
gp-41	64	135	the	the	DET
gp-41	64	136	instrumental	instrumental	ADJ
gp-41	64	137	variable	variable	NOUN
gp-41	64	138	(	(	PUNCT
gp-41	64	139	iv	iv	X
gp-41	64	140	)	)	PUNCT
gp-41	64	141	probit	probit	NOUN
gp-41	64	142	was	be	AUX
gp-41	64	143	used	use	VERB
gp-41	64	144	to	to	PART
gp-41	64	145	estimate	estimate	VERB
gp-41	64	146	the	the	DET
gp-41	64	147	effect	effect	NOUN
gp-41	64	148	of	of	ADP
gp-41	64	149	access	access	NOUN
gp-41	64	150	to	to	ADP
gp-41	64	151	mobile	mobile	ADJ
gp-41	64	152	money	money	NOUN
gp-41	64	153	services	service	NOUN
gp-41	64	154	.	.	PUNCT
gp-41	65	1	just	just	ADV
gp-41	65	2	like	like	ADP
gp-41	65	3	any	any	DET
gp-41	65	4	limited	limited	ADJ
gp-41	65	5	dependent	dependent	ADJ
gp-41	65	6	variable	variable	ADJ
gp-41	65	7	model	model	NOUN
gp-41	65	8	,	,	PUNCT
gp-41	65	9	the	the	DET
gp-41	65	10	dependent	dependent	ADJ
gp-41	65	11	variable	variable	NOUN
gp-41	65	12	is	be	AUX
gp-41	65	13	dichotomous	dichotomous	ADJ
gp-41	65	14	.	.	PUNCT
gp-41	66	1	thus	thus	ADV
gp-41	66	2	,	,	PUNCT
gp-41	66	3	an	an	DET
gp-41	66	4	individual	individual	NOUN
gp-41	66	5	takes	take	VERB
gp-41	66	6	a	a	DET
gp-41	66	7	value	value	NOUN
gp-41	66	8	of	of	ADP
gp-41	66	9	1	1	NUM
gp-41	66	10	if	if	SCONJ
gp-41	66	11	they	they	PRON
gp-41	66	12	have	have	VERB
gp-41	66	13	access	access	NOUN
gp-41	66	14	to	to	ADP
gp-41	66	15	an	an	DET
gp-41	66	16	account	account	NOUN
gp-41	66	17	or	or	CCONJ
gp-41	66	18	use	use	VERB
gp-41	66	19	a	a	DET
gp-41	66	20	financial	financial	ADJ
gp-41	66	21	service	service	NOUN
gp-41	66	22	with	with	ADP
gp-41	66	23	a	a	DET
gp-41	66	24	particular	particular	ADJ
gp-41	66	25	financial	financial	ADJ
gp-41	66	26	institution	institution	NOUN
gp-41	66	27	,	,	PUNCT
gp-41	66	28	or	or	CCONJ
gp-41	66	29	0	0	NUM
gp-41	66	30	otherwise	otherwise	ADV
gp-41	66	31	.	.	PUNCT
gp-41	67	1	following	follow	VERB
gp-41	67	2	wooldridge	wooldridge	PROPN
gp-41	67	3	(	(	PUNCT
gp-41	67	4	2016	2016	NUM
gp-41	67	5	)	)	PUNCT
gp-41	67	6	,	,	PUNCT
gp-41	67	7	the	the	DET
gp-41	67	8	probability	probability	NOUN
gp-41	67	9	of	of	ADP
gp-41	67	10	having	have	VERB
gp-41	67	11	access	access	NOUN
gp-41	67	12	to	to	ADP
gp-41	67	13	financial	financial	ADJ
gp-41	67	14	services	service	NOUN
gp-41	67	15	is	be	AUX
gp-41	67	16	given	give	VERB
gp-41	67	17	by	by	ADP
gp-41	67	18	:	:	PUNCT
gp-41	67	19	fsi	fsi	PROPN
gp-41	67	20	¼	¼	NOUN
gp-41	67	21	1	1	NUM
gp-41	67	22	if	if	SCONJ
gp-41	67	23	fsωi	fsωi	NOUN
gp-41	67	24	>	>	X
gp-41	67	25	0	0	PUNCT
gp-41	67	26	0	0	PUNCT
gp-41	68	1	if	if	SCONJ
gp-41	68	2	fsωi	fsωi	NOUN
gp-41	68	3	≤	≤	NUM
gp-41	68	4	0	0	NUM
gp-41	68	5	where	where	SCONJ
gp-41	68	6	fsi	fsi	PROPN
gp-41	68	7	is	be	AUX
gp-41	68	8	financial	financial	ADJ
gp-41	68	9	service	service	NOUN
gp-41	68	10	for	for	ADP
gp-41	68	11	individual	individual	ADJ
gp-41	68	12	i.	i.	PROPN
gp-41	68	13	econometrically	econometrically	ADV
gp-41	68	14	,	,	PUNCT
gp-41	68	15	fsωi	fsωi	PROPN
gp-41	68	16	is	be	AUX
gp-41	68	17	expressed	express	VERB
gp-41	68	18	as	as	ADP
gp-41	68	19	:	:	PUNCT
gp-41	68	20	fsωi	fsωi	NOUN
gp-41	68	21	¼	¼	NOUN
gp-41	68	22	ωi	ωi	PROPN
gp-41	68	23	þ	þ	PROPN
gp-41	68	24	θixi	θixi	ADP
gp-41	68	25	þ	þ	PROPN
gp-41	68	26	⍱	⍱	PROPN
gp-41	68	27	i	i	PRON
gp-41	68	28	þ	þ	VERB
gp-41	68	29	ε1i	ε1i	VERB
gp-41	68	30	ð1þ	ð1þ	ADV
gp-41	68	31	this	this	DET
gp-41	68	32	equation	equation	NOUN
gp-41	68	33	describes	describe	VERB
gp-41	68	34	the	the	DET
gp-41	68	35	probability	probability	NOUN
gp-41	68	36	of	of	ADP
gp-41	68	37	an	an	DET
gp-41	68	38	individual	individual	NOUN
gp-41	68	39	having	have	VERB
gp-41	68	40	access	access	NOUN
gp-41	68	41	to	to	ADP
gp-41	68	42	a	a	DET
gp-41	68	43	particular	particular	ADJ
gp-41	68	44	financial	financial	ADJ
gp-41	68	45	institution	institution	NOUN
gp-41	68	46	account	account	NOUN
gp-41	68	47	or	or	CCONJ
gp-41	68	48	mobile	mobile	ADJ
gp-41	68	49	money	money	NOUN
gp-41	68	50	(	(	PUNCT
gp-41	68	51	fsiω	fsiω	NOUN
gp-41	68	52	þ	þ	PROPN
gp-41	68	53	as	as	SCONJ
gp-41	68	54	influenced	influence	VERB
gp-41	68	55	by	by	ADP
gp-41	68	56	a	a	DET
gp-41	68	57	set	set	NOUN
gp-41	68	58	of	of	ADP
gp-41	68	59	independent	independent	ADJ
gp-41	68	60	variables	variable	NOUN
gp-41	68	61	xi	xi	X
gp-41	69	1	(	(	PUNCT
gp-41	69	2	vector	vector	NOUN
gp-41	69	3	of	of	ADP
gp-41	69	4	individual	individual	ADJ
gp-41	69	5	characteristics	characteristic	NOUN
gp-41	69	6	,	,	PUNCT
gp-41	69	7	household	household	NOUN
gp-41	69	8	characteristics	characteristic	NOUN
gp-41	69	9	,	,	PUNCT
gp-41	69	10	community	community	NOUN
gp-41	69	11	characteristics	characteristic	NOUN
gp-41	69	12	)	)	PUNCT
gp-41	69	13	while	while	SCONJ
gp-41	69	14	⍱	⍱	ADJ
gp-41	69	15	i	i	PRON
gp-41	69	16	denotes	denote	VERB
gp-41	69	17	individual	individual	ADJ
gp-41	69	18	-	-	PUNCT
gp-41	69	19	specific	specific	ADJ
gp-41	69	20	,	,	PUNCT
gp-41	69	21	time	time	NOUN
gp-41	69	22	-	-	PUNCT
gp-41	69	23	invariant	invariant	ADJ
gp-41	69	24	observables	observable	NOUN
gp-41	69	25	(	(	PUNCT
gp-41	69	26	sex	sex	NOUN
gp-41	69	27	)	)	PUNCT
gp-41	69	28	.	.	PUNCT
gp-41	70	1	fsiω	fsiω	PROPN
gp-41	70	2	is	be	AUX
gp-41	70	3	a	a	DET
gp-41	70	4	dichotomous	dichotomous	ADJ
gp-41	70	5	variable	variable	NOUN
gp-41	70	6	that	that	PRON
gp-41	70	7	takes	take	VERB
gp-41	70	8	1	1	NUM
gp-41	70	9	if	if	SCONJ
gp-41	70	10	an	an	DET
gp-41	70	11	individual	individual	NOUN
gp-41	70	12	has	have	VERB
gp-41	70	13	access	access	NOUN
gp-41	70	14	to	to	ADP
gp-41	70	15	a	a	DET
gp-41	70	16	financial	financial	ADJ
gp-41	70	17	service	service	NOUN
gp-41	70	18	and	and	CCONJ
gp-41	70	19	0	0	NUM
gp-41	70	20	if	if	SCONJ
gp-41	70	21	the	the	DET
gp-41	70	22	individual	individual	NOUN
gp-41	70	23	does	do	VERB
gp-41	70	24	not	not	PART
gp-41	70	25	.	.	PUNCT
gp-41	71	1	with	with	ADP
gp-41	71	2	equation	equation	NOUN
gp-41	71	3	(	(	PUNCT
gp-41	71	4	2	2	X
gp-41	71	5	)	)	PUNCT
gp-41	71	6	we	we	PRON
gp-41	71	7	use	use	VERB
gp-41	71	8	the	the	DET
gp-41	71	9	probit	probit	NOUN
gp-41	71	10	model	model	NOUN
gp-41	71	11	to	to	PART
gp-41	71	12	estimate	estimate	VERB
gp-41	71	13	the	the	DET
gp-41	71	14	effect	effect	NOUN
gp-41	71	15	of	of	ADP
gp-41	71	16	disability	disability	NOUN
gp-41	71	17	status	status	NOUN
gp-41	71	18	on	on	ADP
gp-41	71	19	access	access	NOUN
gp-41	71	20	to	to	ADP
gp-41	71	21	financial	financial	ADJ
gp-41	71	22	services	service	NOUN
gp-41	71	23	(	(	PUNCT
gp-41	71	24	commercial	commercial	ADJ
gp-41	71	25	bank	bank	NOUN
gp-41	71	26	,	,	PUNCT
gp-41	71	27	rural	rural	ADJ
gp-41	71	28	bank	bank	NOUN
gp-41	71	29	account	account	NOUN
gp-41	71	30	and	and	CCONJ
gp-41	71	31	at	at	ADV
gp-41	71	32	least	least	ADJ
gp-41	71	33	one	one	NUM
gp-41	71	34	financial	financial	ADJ
gp-41	71	35	institution	institution	NOUN
gp-41	71	36	)	)	PUNCT
gp-41	71	37	.	.	PUNCT
gp-41	72	1	this	this	PRON
gp-41	72	2	is	be	AUX
gp-41	72	3	expressed	express	VERB
gp-41	72	4	as	as	ADP
gp-41	72	5	:	:	PUNCT
gp-41	72	6	fsi	fsi	PROPN
gp-41	72	7	¼	¼	NOUN
gp-41	72	8	γ1	γ1	PROPN
gp-41	72	9	þ	þ	PROPN
gp-41	72	10	γ2disabi	γ2disabi	PROPN
gp-41	72	11	þ	þ	PROPN
gp-41	72	12	γ3	γ3	PROPN
gp-41	72	13	welfarei	welfarei	PROPN
gp-41	72	14	þ	þ	PROPN
gp-41	72	15	γ4sexi	γ4sexi	PROPN
gp-41	72	16	þ	þ	PROPN
gp-41	72	17	γ5agei	γ5agei	PROPN
gp-41	72	18	þ	þ	PROPN
gp-41	72	19	γ6agesqri	γ6agesqri	PROPN
gp-41	72	20	þ	þ	PROPN
gp-41	72	21	γ7locationi	γ7locationi	PROPN
gp-41	72	22	þ	þ	PROPN
gp-41	72	23	γ8edui	γ8edui	PROPN
gp-41	72	24	þ	þ	NOUN
gp-41	72	25	γ9relii	γ9relii	PROPN
gp-41	72	26	þ	þ	NOUN
gp-41	72	27	γ10maritali	γ10maritali	VERB
gp-41	72	28	þ	þ	NOUN
gp-41	72	29	ei	ei	ADP
gp-41	72	30	ð2þ	ð2þ	VERB
gp-41	72	31	the	the	DET
gp-41	72	32	financial	financial	ADJ
gp-41	72	33	services	service	NOUN
gp-41	72	34	(	(	PUNCT
gp-41	72	35	fs	fs	PROPN
gp-41	72	36	)	)	PUNCT
gp-41	72	37	in	in	ADP
gp-41	72	38	the	the	DET
gp-41	72	39	model	model	NOUN
gp-41	72	40	are	be	AUX
gp-41	72	41	commercial	commercial	ADJ
gp-41	72	42	banks	bank	NOUN
gp-41	72	43	,	,	PUNCT
gp-41	72	44	rural	rural	ADJ
gp-41	72	45	and	and	CCONJ
gp-41	72	46	community	community	NOUN
gp-41	72	47	banks	bank	NOUN
gp-41	72	48	(	(	PUNCT
gp-41	72	49	rcbs	rcbs	PROPN
gp-41	72	50	)	)	PUNCT
gp-41	72	51	and	and	CCONJ
gp-41	72	52	at	at	ADV
gp-41	72	53	least	least	ADJ
gp-41	72	54	one	one	NUM
gp-41	72	55	financial	financial	ADJ
gp-41	72	56	institution	institution	NOUN
gp-41	72	57	,	,	PUNCT
gp-41	72	58	and	and	CCONJ
gp-41	72	59	disability	disability	NOUN
gp-41	72	60	status	status	NOUN
gp-41	72	61	(	(	PUNCT
gp-41	72	62	disab	disab	VERB
gp-41	72	63	)	)	PUNCT
gp-41	72	64	,	,	PUNCT
gp-41	72	65	age	age	NOUN
gp-41	72	66	square	square	PROPN
gp-41	72	67	(	(	PUNCT
gp-41	72	68	agesqr	agesqr	NOUN
gp-41	72	69	)	)	PUNCT
gp-41	72	70	,	,	PUNCT
gp-41	72	71	educational	educational	ADJ
gp-41	72	72	level	level	NOUN
gp-41	72	73	(	(	PUNCT
gp-41	72	74	edu	edu	PROPN
gp-41	72	75	)	)	PUNCT
gp-41	72	76	,	,	PUNCT
gp-41	72	77	religious	religious	ADJ
gp-41	72	78	affiliation	affiliation	NOUN
gp-41	72	79	(	(	PUNCT
gp-41	72	80	reli	reli	NOUN
gp-41	72	81	)	)	PUNCT
gp-41	72	82	and	and	CCONJ
gp-41	72	83	marital	marital	ADJ
gp-41	72	84	status	status	NOUN
gp-41	72	85	(	(	PUNCT
gp-41	72	86	marital	marital	ADJ
gp-41	72	87	)	)	PUNCT
gp-41	72	88	are	be	AUX
gp-41	72	89	included	include	VERB
gp-41	72	90	.	.	PUNCT
gp-41	73	1	the	the	DET
gp-41	73	2	results	result	NOUN
gp-41	73	3	of	of	ADP
gp-41	73	4	equation	equation	NOUN
gp-41	73	5	2	2	NUM
gp-41	73	6	are	be	AUX
gp-41	73	7	presented	present	VERB
gp-41	73	8	in	in	ADP
gp-41	73	9	table	table	NOUN
gp-41	73	10	3	3	NUM
gp-41	73	11	.	.	PUNCT
gp-41	74	1	in	in	ADP
gp-41	74	2	the	the	DET
gp-41	74	3	case	case	NOUN
gp-41	74	4	of	of	ADP
gp-41	74	5	access	access	NOUN
gp-41	74	6	to	to	ADP
gp-41	74	7	mobile	mobile	ADJ
gp-41	74	8	money	money	NOUN
gp-41	74	9	(	(	PUNCT
gp-41	74	10	momo	momo	NOUN
gp-41	74	11	)	)	PUNCT
gp-41	74	12	,	,	PUNCT
gp-41	74	13	phone	phone	NOUN
gp-41	74	14	ownership	ownership	NOUN
gp-41	74	15	was	be	AUX
gp-41	74	16	included	include	VERB
gp-41	74	17	since	since	SCONJ
gp-41	74	18	it	it	PRON
gp-41	74	19	influences	influence	VERB
gp-41	74	20	access	access	NOUN
gp-41	74	21	to	to	ADP
gp-41	74	22	momo	momo	NOUN
gp-41	74	23	.	.	PUNCT
gp-41	75	1	meanwhile	meanwhile	ADV
gp-41	75	2	,	,	PUNCT
gp-41	75	3	it	it	PRON
gp-41	75	4	is	be	AUX
gp-41	75	5	argued	argue	VERB
gp-41	75	6	that	that	SCONJ
gp-41	75	7	there	there	PRON
gp-41	75	8	exists	exist	VERB
gp-41	75	9	a	a	DET
gp-41	75	10	bi	bi	NOUN
gp-41	75	11	-	-	NOUN
gp-41	75	12	causality	causality	NOUN
gp-41	75	13	between	between	ADP
gp-41	75	14	access	access	NOUN
gp-41	75	15	to	to	ADP
gp-41	75	16	momo	momo	NOUN
gp-41	75	17	and	and	CCONJ
gp-41	75	18	phone	phone	NOUN
gp-41	75	19	ownership	ownership	NOUN
gp-41	75	20	.	.	PUNCT
gp-41	76	1	this	this	DET
gp-41	76	2	causality	causality	NOUN
gp-41	76	3	makes	make	VERB
gp-41	76	4	the	the	DET
gp-41	76	5	use	use	NOUN
gp-41	76	6	of	of	ADP
gp-41	76	7	the	the	DET
gp-41	76	8	traditional	traditional	ADJ
gp-41	76	9	probit	probit	NOUN
gp-41	76	10	model	model	NOUN
gp-41	76	11	inappropriate	inappropriate	ADJ
gp-41	76	12	in	in	ADP
gp-41	76	13	our	our	PRON
gp-41	76	14	estimation	estimation	NOUN
gp-41	76	15	.	.	PUNCT
gp-41	77	1	hence	hence	ADV
gp-41	77	2	,	,	PUNCT
gp-41	77	3	the	the	DET
gp-41	77	4	use	use	NOUN
gp-41	77	5	of	of	ADP
gp-41	77	6	instrumental	instrumental	ADJ
gp-41	77	7	variable	variable	ADJ
gp-41	77	8	probit	probit	NOUN
gp-41	77	9	model	model	NOUN
gp-41	77	10	(	(	PUNCT
gp-41	77	11	iv	iv	NUM
gp-41	77	12	probit	probit	NOUN
gp-41	77	13	)	)	PUNCT
gp-41	77	14	estimation	estimation	NOUN
gp-41	77	15	.	.	PUNCT
gp-41	78	1	thus	thus	ADV
gp-41	78	2	,	,	PUNCT
gp-41	78	3	we	we	PRON
gp-41	78	4	instrument	instrument	VERB
gp-41	78	5	mobile	mobile	ADJ
gp-41	78	6	phone	phone	NOUN
gp-41	78	7	american	american	PROPN
gp-41	78	8	journal	journal	PROPN
gp-41	78	9	of	of	ADP
gp-41	78	10	economic	economic	ADJ
gp-41	78	11	and	and	CCONJ
gp-41	78	12	management	management	NOUN
gp-41	78	13	business	business	NOUN
gp-41	78	14	vol	vol	NOUN
gp-41	78	15	.	.	PROPN
gp-41	79	1	2	2	NUM
gp-41	80	1	no	no	NOUN
gp-41	80	2	.	.	NOUN
gp-41	81	1	6	6	NUM
gp-41	81	2	june	june	PROPN
gp-41	81	3	2023	2023	NUM
gp-41	81	4	208	208	NUM
gp-41	81	5	ownership	ownership	NOUN
gp-41	81	6	with	with	ADP
gp-41	81	7	expenditure	expenditure	NOUN
gp-41	81	8	on	on	ADP
gp-41	81	9	mobile	mobile	ADJ
gp-41	81	10	phone	phone	NOUN
gp-41	81	11	.	.	PUNCT
gp-41	82	1	the	the	DET
gp-41	82	2	intuition	intuition	NOUN
gp-41	82	3	is	be	AUX
gp-41	82	4	that	that	SCONJ
gp-41	82	5	expenditure	expenditure	NOUN
gp-41	82	6	on	on	ADP
gp-41	82	7	mobile	mobile	ADJ
gp-41	82	8	phone	phone	NOUN
gp-41	82	9	(	(	PUNCT
gp-41	82	10	the	the	DET
gp-41	82	11	cost	cost	NOUN
gp-41	82	12	of	of	ADP
gp-41	82	13	the	the	DET
gp-41	82	14	mobile	mobile	NOUN
gp-41	82	15	in	in	ADP
gp-41	82	16	the	the	DET
gp-41	82	17	past	past	ADJ
gp-41	82	18	12	12	NUM
gp-41	82	19	months	month	NOUN
gp-41	82	20	)	)	PUNCT
gp-41	82	21	influences	influence	VERB
gp-41	82	22	ownership	ownership	NOUN
gp-41	82	23	of	of	ADP
gp-41	82	24	mobile	mobile	ADJ
gp-41	82	25	phone	phone	NOUN
gp-41	82	26	but	but	CCONJ
gp-41	82	27	does	do	AUX
gp-41	82	28	not	not	PART
gp-41	82	29	directly	directly	ADV
gp-41	82	30	influence	influence	VERB
gp-41	82	31	access	access	NOUN
gp-41	82	32	to	to	ADP
gp-41	82	33	a	a	DET
gp-41	82	34	mobile	mobile	ADJ
gp-41	82	35	money	money	NOUN
gp-41	82	36	account	account	NOUN
gp-41	82	37	.	.	PUNCT
gp-41	83	1	even	even	ADV
gp-41	83	2	though	though	SCONJ
gp-41	83	3	some	some	DET
gp-41	83	4	people	people	NOUN
gp-41	83	5	receive	receive	VERB
gp-41	83	6	mobile	mobile	ADJ
gp-41	83	7	phones	phone	NOUN
gp-41	83	8	as	as	ADP
gp-41	83	9	gifts	gift	NOUN
gp-41	83	10	,	,	PUNCT
gp-41	83	11	cost	cost	NOUN
gp-41	83	12	could	could	AUX
gp-41	83	13	still	still	ADV
gp-41	83	14	be	be	AUX
gp-41	83	15	an	an	DET
gp-41	83	16	issue	issue	NOUN
gp-41	83	17	to	to	ADP
gp-41	83	18	the	the	DET
gp-41	83	19	buyer	buyer	NOUN
gp-41	83	20	.	.	PUNCT
gp-41	84	1	cost	cost	NOUN
gp-41	84	2	or	or	CCONJ
gp-41	84	3	price	price	NOUN
gp-41	84	4	of	of	ADP
gp-41	84	5	mobile	mobile	ADJ
gp-41	84	6	phone	phone	NOUN
gp-41	84	7	has	have	AUX
gp-41	84	8	been	be	AUX
gp-41	84	9	used	use	VERB
gp-41	84	10	in	in	ADP
gp-41	84	11	previous	previous	ADJ
gp-41	84	12	studies	study	NOUN
gp-41	84	13	as	as	ADP
gp-41	84	14	an	an	DET
gp-41	84	15	instrument	instrument	NOUN
gp-41	84	16	for	for	ADP
gp-41	84	17	cell	cell	NOUN
gp-41	84	18	phone	phone	NOUN
gp-41	84	19	use	use	NOUN
gp-41	84	20	(	(	PUNCT
gp-41	84	21	sridhar	sridhar	NOUN
gp-41	84	22	&	&	CCONJ
gp-41	84	23	sridhar	sridhar	PROPN
gp-41	84	24	,	,	PUNCT
gp-41	84	25	2007	2007	NUM
gp-41	84	26	)	)	PUNCT
gp-41	84	27	.	.	PUNCT
gp-41	85	1	hence	hence	ADV
gp-41	85	2	the	the	DET
gp-41	85	3	two	two	NUM
gp-41	85	4	-	-	PUNCT
gp-41	85	5	stage	stage	NOUN
gp-41	85	6	iv	iv	NUM
gp-41	85	7	probit	probit	NOUN
gp-41	85	8	was	be	AUX
gp-41	85	9	specified	specify	VERB
gp-41	85	10	.	.	PUNCT
gp-41	86	1	the	the	DET
gp-41	86	2	first	first	ADJ
gp-41	86	3	stage	stage	NOUN
gp-41	86	4	of	of	ADP
gp-41	86	5	the	the	DET
gp-41	86	6	model	model	NOUN
gp-41	86	7	is	be	AUX
gp-41	86	8	equation	equation	NOUN
gp-41	86	9	(	(	PUNCT
gp-41	86	10	3	3	NUM
gp-41	86	11	)	)	PUNCT
gp-41	86	12	.	.	PUNCT
gp-41	87	1	this	this	PRON
gp-41	87	2	was	be	AUX
gp-41	87	3	first	first	ADV
gp-41	87	4	estimated	estimate	VERB
gp-41	87	5	and	and	CCONJ
gp-41	87	6	the	the	DET
gp-41	87	7	predicted	predict	VERB
gp-41	87	8	values	value	NOUN
gp-41	87	9	were	be	AUX
gp-41	87	10	used	use	VERB
gp-41	87	11	in	in	ADP
gp-41	87	12	equation	equation	NOUN
gp-41	87	13	four	four	NUM
gp-41	87	14	(	(	PUNCT
gp-41	87	15	4	4	NUM
gp-41	87	16	)	)	PUNCT
gp-41	87	17	.	.	PUNCT
gp-41	88	1	phonei	phonei	VERB
gp-41	88	2	¼	¼	NOUN
gp-41	88	3	γ1	γ1	PROPN
gp-41	88	4	þ	þ	PROPN
gp-41	88	5	γ2expphonei	γ2expphonei	PROPN
gp-41	88	6	þ	þ	PROPN
gp-41	88	7	γ3disabi	γ3disabi	PROPN
gp-41	88	8	þ	þ	PROPN
gp-41	88	9	γ4welfarei	γ4welfarei	PROPN
gp-41	88	10	þ	þ	PROPN
gp-41	88	11	γ5sexi	γ5sexi	PROPN
gp-41	88	12	þ	þ	PROPN
gp-41	88	13	γ6	γ6	PROPN
gp-41	88	14	agei	agei	PROPN
gp-41	88	15	þγ7agesqri	þγ7agesqri	PROPN
gp-41	88	16	þ	þ	PROPN
gp-41	88	17	γ8locationi	γ8locationi	VERB
gp-41	88	18	þ	þ	PROPN
gp-41	88	19	γ9edui	γ9edui	PROPN
gp-41	88	20	þ	þ	PROPN
gp-41	88	21	γ10relii	γ10relii	PROPN
gp-41	88	22	þ	þ	PROPN
gp-41	88	23	γ11maritali	γ11maritali	PROPN
gp-41	88	24	þ	þ	PROPN
gp-41	88	25	μi	μi	X
gp-41	88	26	ð3þ	ð3þ	X
gp-41	88	27	mobile	mobile	ADJ
gp-41	88	28	phone	phone	NOUN
gp-41	88	29	ownership	ownership	NOUN
gp-41	88	30	(	(	PUNCT
gp-41	88	31	phone	phone	NOUN
gp-41	88	32	)	)	PUNCT
gp-41	88	33	,	,	PUNCT
gp-41	88	34	expenditure	expenditure	NOUN
gp-41	88	35	on	on	ADP
gp-41	88	36	phone	phone	NOUN
gp-41	88	37	(	(	PUNCT
gp-41	88	38	expphone	expphone	NOUN
gp-41	88	39	)	)	PUNCT
gp-41	88	40	.	.	PUNCT
gp-41	89	1	momoi	momoi	PROPN
gp-41	89	2	¼	¼	NOUN
gp-41	89	3	γ1	γ1	PROPN
gp-41	89	4	þ	þ	PROPN
gp-41	89	5	γ2disabi	γ2disabi	VERB
gp-41	90	1	þ	þ	PROPN
gp-41	90	2	γ3phonei	γ3phonei	PROPN
gp-41	90	3	þ	þ	PROPN
gp-41	90	4	γ4welfarei	γ4welfarei	PROPN
gp-41	90	5	þ	þ	PROPN
gp-41	90	6	γ5sexi	γ5sexi	PROPN
gp-41	90	7	þ	þ	PROPN
gp-41	90	8	γ6agei	γ6agei	PROPN
gp-41	90	9	þ	þ	PROPN
gp-41	90	10	γ7	γ7	PROPN
gp-41	90	11	agesqri	agesqri	ADJ
gp-41	90	12	þ	þ	PROPN
gp-41	90	13	γ8locationi	γ8locationi	PROPN
gp-41	90	14	þ	þ	PROPN
gp-41	90	15	γ9edui	γ9edui	PROPN
gp-41	90	16	þ	þ	PROPN
gp-41	90	17	γ10relii	γ10relii	PROPN
gp-41	90	18	þ	þ	PROPN
gp-41	90	19	γ11maritali	γ11maritali	PROPN
gp-41	91	1	þ	þ	AUX
gp-41	91	2	ei	ei	X
gp-41	91	3	ð4þ	ð4þ	X
gp-41	91	4	the	the	DET
gp-41	91	5	marginal	marginal	ADJ
gp-41	91	6	effects	effect	NOUN
gp-41	91	7	of	of	ADP
gp-41	91	8	access	access	NOUN
gp-41	91	9	to	to	ADP
gp-41	91	10	mobile	mobile	ADJ
gp-41	91	11	money	money	NOUN
gp-41	91	12	(	(	PUNCT
gp-41	91	13	equation	equation	NOUN
gp-41	91	14	4	4	NUM
gp-41	91	15	)	)	PUNCT
gp-41	91	16	is	be	AUX
gp-41	91	17	presented	present	VERB
gp-41	91	18	in	in	ADP
gp-41	91	19	table	table	NOUN
gp-41	91	20	5	5	NUM
gp-41	91	21	,	,	PUNCT
gp-41	91	22	whereas	whereas	SCONJ
gp-41	91	23	the	the	DET
gp-41	91	24	first	first	ADJ
gp-41	91	25	stage	stage	NOUN
gp-41	91	26	results	result	NOUN
gp-41	91	27	and	and	CCONJ
gp-41	91	28	the	the	DET
gp-41	91	29	comparison	comparison	NOUN
gp-41	91	30	between	between	ADP
gp-41	91	31	the	the	DET
gp-41	91	32	traditional	traditional	ADJ
gp-41	91	33	probit	probit	NOUN
gp-41	91	34	model	model	NOUN
gp-41	91	35	and	and	CCONJ
gp-41	91	36	the	the	DET
gp-41	91	37	iv	iv	NUM
gp-41	91	38	probit	probit	NOUN
gp-41	91	39	model	model	NOUN
gp-41	91	40	is	be	AUX
gp-41	91	41	presented	present	VERB
gp-41	91	42	in	in	ADP
gp-41	91	43	appendix	appendix	ADJ
gp-41	91	44	a3.\	a3.\	CCONJ
gp-41	91	45	robustness	robustness	NOUN
gp-41	91	46	checks	check	NOUN
gp-41	91	47	to	to	PART
gp-41	91	48	statistically	statistically	ADV
gp-41	91	49	verify	verify	VERB
gp-41	91	50	the	the	DET
gp-41	91	51	existence	existence	NOUN
gp-41	91	52	of	of	ADP
gp-41	91	53	bi	bi	NOUN
gp-41	91	54	-	-	NOUN
gp-41	91	55	causality	causality	NOUN
gp-41	91	56	which	which	PRON
gp-41	91	57	leads	lead	VERB
gp-41	91	58	to	to	ADP
gp-41	91	59	the	the	DET
gp-41	91	60	use	use	NOUN
gp-41	91	61	of	of	ADP
gp-41	91	62	iv	iv	NUM
gp-41	91	63	probit	probit	NOUN
gp-41	91	64	,	,	PUNCT
gp-41	91	65	the	the	DET
gp-41	91	66	wald	wald	NOUN
gp-41	91	67	test	test	NOUN
gp-41	91	68	of	of	ADP
gp-41	91	69	exogeneity	exogeneity	NOUN
gp-41	91	70	was	be	AUX
gp-41	91	71	conducted	conduct	VERB
gp-41	91	72	.	.	PUNCT
gp-41	92	1	the	the	DET
gp-41	92	2	null	null	ADJ
gp-41	92	3	hypothesis	hypothesis	NOUN
gp-41	92	4	of	of	ADP
gp-41	92	5	no	no	DET
gp-41	92	6	endogeneity	endogeneity	NOUN
gp-41	92	7	was	be	AUX
gp-41	92	8	rejected	reject	VERB
gp-41	92	9	at	at	ADP
gp-41	92	10	5	5	NUM
gp-41	92	11	%	%	NOUN
gp-41	92	12	alpha	alpha	NOUN
gp-41	92	13	level	level	NOUN
gp-41	92	14	since	since	SCONJ
gp-41	92	15	prob	prob	PROPN
gp-41	92	16	>	>	X
gp-41	92	17	chi2	chi2	PROPN
gp-41	92	18	=	=	PROPN
gp-41	92	19	0.0003	0.0003	NUM
gp-41	92	20	.	.	PUNCT
gp-41	93	1	this	this	PRON
gp-41	93	2	implies	imply	VERB
gp-41	93	3	that	that	SCONJ
gp-41	93	4	endogeneity	endogeneity	NOUN
gp-41	93	5	exists	exist	VERB
gp-41	93	6	and	and	CCONJ
gp-41	93	7	hence	hence	ADV
gp-41	93	8	,	,	PUNCT
gp-41	93	9	presenting	present	VERB
gp-41	93	10	the	the	DET
gp-41	93	11	iv	iv	NUM
gp-41	93	12	probit	probit	NOUN
gp-41	93	13	result	result	NOUN
gp-41	93	14	is	be	AUX
gp-41	93	15	appropriate	appropriate	ADJ
gp-41	93	16	(	(	PUNCT
gp-41	93	17	see	see	VERB
gp-41	93	18	table	table	NOUN
gp-41	93	19	3	3	NUM
gp-41	93	20	)	)	PUNCT
gp-41	93	21	as	as	SCONJ
gp-41	93	22	opposed	oppose	VERB
gp-41	93	23	to	to	ADP
gp-41	93	24	the	the	DET
gp-41	93	25	traditional	traditional	ADJ
gp-41	93	26	probit	probit	NOUN
gp-41	93	27	model	model	NOUN
gp-41	93	28	.	.	PUNCT
gp-41	94	1	again	again	ADV
gp-41	94	2	,	,	PUNCT
gp-41	94	3	the	the	DET
gp-41	94	4	test	test	NOUN
gp-41	94	5	implies	imply	VERB
gp-41	94	6	that	that	SCONJ
gp-41	94	7	error	error	NOUN
gp-41	94	8	terms	term	NOUN
gp-41	94	9	in	in	ADP
gp-41	94	10	both	both	CCONJ
gp-41	94	11	the	the	DET
gp-41	94	12	structural	structural	ADJ
gp-41	94	13	and	and	CCONJ
gp-41	94	14	reducedform	reducedform	VERB
gp-41	94	15	equations	equation	NOUN
gp-41	94	16	for	for	ADP
gp-41	94	17	the	the	DET
gp-41	94	18	endogenous	endogenous	ADJ
gp-41	94	19	variable	variable	NOUN
gp-41	94	20	(	(	PUNCT
gp-41	94	21	phone	phone	NOUN
gp-41	94	22	ownership	ownership	NOUN
gp-41	94	23	)	)	PUNCT
gp-41	94	24	are	be	AUX
gp-41	94	25	correlated	correlate	VERB
gp-41	94	26	.	.	PUNCT
gp-41	95	1	result	result	NOUN
gp-41	95	2	and	and	CCONJ
gp-41	95	3	discussion	discussion	NOUN
gp-41	95	4	in	in	ADP
gp-41	95	5	this	this	DET
gp-41	95	6	section	section	NOUN
gp-41	95	7	,	,	PUNCT
gp-41	95	8	we	we	PRON
gp-41	95	9	present	present	VERB
gp-41	95	10	the	the	DET
gp-41	95	11	results	result	NOUN
gp-41	95	12	and	and	CCONJ
gp-41	95	13	discussions	discussion	NOUN
gp-41	95	14	of	of	ADP
gp-41	95	15	the	the	DET
gp-41	95	16	study	study	NOUN
gp-41	95	17	.	.	PUNCT
gp-41	96	1	first	first	ADV
gp-41	96	2	,	,	PUNCT
gp-41	96	3	we	we	PRON
gp-41	96	4	present	present	VERB
gp-41	96	5	the	the	DET
gp-41	96	6	summary	summary	NOUN
gp-41	96	7	and	and	CCONJ
gp-41	96	8	descriptive	descriptive	ADJ
gp-41	96	9	statistics	statistic	NOUN
gp-41	96	10	of	of	ADP
gp-41	96	11	the	the	DET
gp-41	96	12	variables	variable	NOUN
gp-41	96	13	that	that	PRON
gp-41	96	14	were	be	AUX
gp-41	96	15	used	use	VERB
gp-41	96	16	in	in	ADP
gp-41	96	17	our	our	PRON
gp-41	96	18	estimations	estimation	NOUN
gp-41	96	19	.	.	PUNCT
gp-41	97	1	second	second	ADJ
gp-41	97	2	,	,	PUNCT
gp-41	97	3	we	we	PRON
gp-41	97	4	discuss	discuss	VERB
gp-41	97	5	the	the	DET
gp-41	97	6	findings	finding	NOUN
gp-41	97	7	from	from	ADP
gp-41	97	8	access	access	NOUN
gp-41	97	9	to	to	ADP
gp-41	97	10	financial	financial	ADJ
gp-41	97	11	services	service	NOUN
gp-41	97	12	and	and	CCONJ
gp-41	97	13	the	the	DET
gp-41	97	14	extent	extent	NOUN
gp-41	97	15	to	to	PART
gp-41	97	16	which	which	PRON
gp-41	97	17	disability	disability	NOUN
gp-41	97	18	affects	affect	VERB
gp-41	97	19	the	the	DET
gp-41	97	20	use	use	NOUN
gp-41	97	21	of	of	ADP
gp-41	97	22	mobile	mobile	ADJ
gp-41	97	23	money	money	NOUN
gp-41	97	24	.	.	PUNCT
gp-41	98	1	people	people	NOUN
gp-41	98	2	with	with	ADP
gp-41	98	3	disability	disability	NOUN
gp-41	98	4	and	and	CCONJ
gp-41	98	5	access	access	NOUN
gp-41	98	6	to	to	ADP
gp-41	98	7	financial	financial	ADJ
gp-41	98	8	services	service	NOUN
gp-41	98	9	in	in	ADP
gp-41	98	10	general	general	ADJ
gp-41	98	11	,	,	PUNCT
gp-41	98	12	access	access	NOUN
gp-41	98	13	to	to	ADP
gp-41	98	14	financial	financial	ADJ
gp-41	98	15	services	service	NOUN
gp-41	98	16	continues	continue	VERB
gp-41	98	17	to	to	PART
gp-41	98	18	be	be	AUX
gp-41	98	19	low	low	ADJ
gp-41	98	20	in	in	ADP
gp-41	98	21	odisha	odisha	PROPN
gp-41	98	22	despite	despite	SCONJ
gp-41	98	23	several	several	ADJ
gp-41	98	24	efforts	effort	NOUN
gp-41	98	25	made	make	VERB
gp-41	98	26	by	by	ADP
gp-41	98	27	the	the	DET
gp-41	98	28	government	government	NOUN
gp-41	98	29	to	to	PART
gp-41	98	30	promote	promote	VERB
gp-41	98	31	financial	financial	ADJ
gp-41	98	32	inclusion	inclusion	NOUN
gp-41	98	33	.	.	PUNCT
gp-41	99	1	table	table	NOUN
gp-41	99	2	2	2	NUM
gp-41	99	3	presents	present	VERB
gp-41	99	4	the	the	DET
gp-41	99	5	distribution	distribution	NOUN
gp-41	99	6	of	of	ADP
gp-41	99	7	access	access	NOUN
gp-41	99	8	to	to	ADP
gp-41	99	9	financial	financial	ADJ
gp-41	99	10	services	service	NOUN
gp-41	99	11	in	in	ADP
gp-41	99	12	people	people	NOUN
gp-41	99	13	with	with	ADP
gp-41	99	14	disability	disability	NOUN
gp-41	99	15	and	and	CCONJ
gp-41	99	16	those	those	PRON
gp-41	99	17	without	without	ADP
gp-41	99	18	disability	disability	NOUN
gp-41	99	19	.	.	PUNCT
gp-41	100	1	financial	financial	ADJ
gp-41	100	2	services	service	NOUN
gp-41	100	3	include	include	VERB
gp-41	100	4	ownership	ownership	NOUN
gp-41	100	5	of	of	ADP
gp-41	100	6	a	a	DET
gp-41	100	7	bank	bank	NOUN
gp-41	100	8	account	account	NOUN
gp-41	100	9	,	,	PUNCT
gp-41	100	10	and	and	CCONJ
gp-41	100	11	the	the	DET
gp-41	100	12	type	type	NOUN
gp-41	100	13	of	of	ADP
gp-41	100	14	bank	bank	NOUN
gp-41	100	15	that	that	PRON
gp-41	100	16	individuals	individual	NOUN
gp-41	100	17	deal	deal	VERB
gp-41	100	18	with	with	ADP
gp-41	100	19	,	,	PUNCT
gp-41	100	20	savings	saving	NOUN
gp-41	100	21	accounts	account	NOUN
gp-41	100	22	,	,	PUNCT
gp-41	100	23	mortgage	mortgage	NOUN
gp-41	100	24	or	or	CCONJ
gp-41	100	25	investment	investment	NOUN
gp-41	100	26	accounts	account	NOUN
gp-41	100	27	,	,	PUNCT
gp-41	100	28	savings	saving	NOUN
gp-41	100	29	accounts	account	NOUN
gp-41	100	30	with	with	ADP
gp-41	100	31	microfinance	microfinance	NOUN
gp-41	100	32	institutions	institution	NOUN
gp-41	100	33	,	,	PUNCT
gp-41	100	34	and	and	CCONJ
gp-41	100	35	mobile	mobile	ADJ
gp-41	100	36	money	money	NOUN
gp-41	100	37	accounts	account	NOUN
gp-41	100	38	.	.	PUNCT
gp-41	101	1	the	the	DET
gp-41	101	2	pearson	pearson	PROPN
gp-41	101	3	chisquare	chisquare	PROPN
gp-41	101	4	shows	show	VERB
gp-41	101	5	that	that	SCONJ
gp-41	101	6	there	there	PRON
gp-41	101	7	exist	exist	VERB
gp-41	101	8	significant	significant	ADJ
gp-41	101	9	differences	difference	NOUN
gp-41	101	10	between	between	ADP
gp-41	101	11	having	have	VERB
gp-41	101	12	access	access	NOUN
gp-41	101	13	and	and	CCONJ
gp-41	101	14	no	no	DET
gp-41	101	15	access	access	NOUN
gp-41	101	16	to	to	ADP
gp-41	101	17	financial	financial	ADJ
gp-41	101	18	services	service	NOUN
gp-41	101	19	and	and	CCONJ
gp-41	101	20	products	product	NOUN
gp-41	101	21	in	in	ADP
gp-41	101	22	people	people	NOUN
gp-41	101	23	with	with	ADP
gp-41	101	24	disability	disability	NOUN
gp-41	101	25	compared	compare	VERB
gp-41	101	26	with	with	ADP
gp-41	101	27	those	those	PRON
gp-41	101	28	without	without	ADP
gp-41	101	29	disability	disability	NOUN
gp-41	101	30	kabya	kabya	PROPN
gp-41	101	31	sambad	sambad	NOUN
gp-41	101	32	,	,	PUNCT
gp-41	101	33	ashis	ashis	PROPN
gp-41	101	34	kumar	kumar	PROPN
gp-41	101	35	samal	samal	PROPN
gp-41	101	36	209	209	NUM
gp-41	101	37	table-2	table-2	NUM
gp-41	101	38	financial	financial	ADJ
gp-41	101	39	services	service	NOUN
gp-41	101	40	and	and	CCONJ
gp-41	101	41	disability	disability	NOUN
gp-41	101	42	access	access	NOUN
gp-41	101	43	to	to	ADP
gp-41	101	44	financial	financial	ADJ
gp-41	101	45	service	service	NOUN
gp-41	101	46	non	non	NOUN
gp-41	101	47	-	-	NOUN
gp-41	101	48	pwds	pwds	ADJ
gp-41	101	49	(	(	PUNCT
gp-41	101	50	%	%	INTJ
gp-41	101	51	)	)	PUNCT
gp-41	101	52	pwds	pwds	NOUN
gp-41	101	53	(	(	PUNCT
gp-41	101	54	%	%	NOUN
gp-41	101	55	)	)	PUNCT
gp-41	101	56	total	total	NOUN
gp-41	101	57	(	(	PUNCT
gp-41	101	58	%	%	INTJ
gp-41	101	59	)	)	PUNCT
gp-41	101	60	pearson	pearson	PROPN
gp-41	101	61	chi2	chi2	PROPN
gp-41	101	62	bank	bank	PROPN
gp-41	101	63	account	account	PROPN
gp-41	101	64	(	(	PUNCT
gp-41	101	65	formal	formal	ADJ
gp-41	101	66	)	)	PUNCT
gp-41	101	67	no	no	DET
gp-41	101	68	access	access	NOUN
gp-41	101	69	50.89	50.89	NUM
gp-41	101	70	71.21	71.21	NUM
gp-41	101	71	51.46	51.46	NUM
gp-41	101	72	62.47	62.47	NUM
gp-41	101	73	(	(	PUNCT
gp-41	101	74	0.00	0.00	NUM
gp-41	101	75	)	)	PUNCT
gp-41	101	76	have	have	VERB
gp-41	101	77	access	access	NOUN
gp-41	101	78	49.11	49.11	NUM
gp-41	101	79	28.79	28.79	NUM
gp-41	101	80	48.54	48.54	NUM
gp-41	101	81	commercial	commercial	ADJ
gp-41	101	82	bank	bank	NOUN
gp-41	101	83	no	no	DET
gp-41	101	84	access	access	NOUN
gp-41	101	85	78.96	78.96	NUM
gp-41	101	86	89.46	89.46	NUM
gp-41	101	87	79.25	79.25	NUM
gp-41	101	88	25.37	25.37	NUM
gp-41	101	89	(	(	PUNCT
gp-41	101	90	0.00	0.00	NUM
gp-41	101	91	)	)	PUNCT
gp-41	101	92	have	have	VERB
gp-41	101	93	21.04	21.04	NUM
gp-41	101	94	10.54	10.54	NUM
gp-41	101	95	20.75	20.75	NUM
gp-41	101	96	rural	rural	ADJ
gp-41	101	97	bank	bank	NOUN
gp-41	101	98	no	no	DET
gp-41	101	99	access	access	NOUN
gp-41	101	100	90.97	90.97	NUM
gp-41	101	101	93.83	93.83	NUM
gp-41	101	102	91.05	91.05	NUM
gp-41	101	103	3.79	3.79	NUM
gp-41	101	104	(	(	PUNCT
gp-41	101	105	0.05	0.05	NUM
gp-41	101	106	)	)	PUNCT
gp-41	101	107	have	have	VERB
gp-41	101	108	access	access	NOUN
gp-41	101	109	9.03	9.03	NUM
gp-41	101	110	6.17	6.17	NUM
gp-41	101	111	8.95	8.95	NUM
gp-41	101	112	savings	saving	NOUN
gp-41	101	113	account	account	NOUN
gp-41	101	114	no	no	DET
gp-41	101	115	access	access	NOUN
gp-41	101	116	70.08	70.08	NUM
gp-41	101	117	84.06	84.06	NUM
gp-41	101	118	70.47	70.47	NUM
gp-41	101	119	35.50	35.50	NUM
gp-41	101	120	(	(	PUNCT
gp-41	101	121	0.00	0.00	NUM
gp-41	101	122	)	)	PUNCT
gp-41	101	123	have	have	AUX
gp-41	101	124	access	access	NOUN
gp-41	101	125	29.92	29.92	NUM
gp-41	101	126	15.94	15.94	NUM
gp-41	101	127	29.53	29.53	NUM
gp-41	101	128	investment	investment	NOUN
gp-41	101	129	/	/	SYM
gp-41	101	130	mortgage	mortgage	NOUN
gp-41	101	131	no	no	DET
gp-41	101	132	access	access	NOUN
gp-41	101	133	97.59	97.59	NUM
gp-41	101	134	98.46	98.46	NUM
gp-41	101	135	97.61	97.61	NUM
gp-41	101	136	1.23	1.23	NUM
gp-41	101	137	(	(	PUNCT
gp-41	101	138	0.27	0.27	NUM
gp-41	101	139	)	)	PUNCT
gp-41	101	140	have	have	VERB
gp-41	101	141	access	access	NOUN
gp-41	101	142	2.41	2.41	NUM
gp-41	101	143	1.54	1.54	NUM
gp-41	101	144	2.39	2.39	NUM
gp-41	101	145	savings	saving	NOUN
gp-41	101	146	and	and	CCONJ
gp-41	101	147	loans	loan	NOUN
gp-41	101	148	scheme	scheme	VERB
gp-41	101	149	no	no	DET
gp-41	101	150	access	access	NOUN
gp-41	101	151	94.91	94.91	NUM
gp-41	101	152	98.20	98.20	NUM
gp-41	101	153	95.01	95.01	NUM
gp-41	101	154	8.60	8.60	NUM
gp-41	101	155	(	(	PUNCT
gp-41	101	156	0.00	0.00	NUM
gp-41	101	157	)	)	PUNCT
gp-41	101	158	have	have	VERB
gp-41	101	159	access	access	NOUN
gp-41	101	160	5.09	5.09	NUM
gp-41	101	161	1.80	1.80	NUM
gp-41	101	162	4.99	4.99	NUM
gp-41	101	163	susu	susu	PROPN
gp-41	101	164	scheme	scheme	NOUN
gp-41	101	165	(	(	PUNCT
gp-41	101	166	informal	informal	ADJ
gp-41	101	167	)	)	PUNCT
gp-41	101	168	no	no	DET
gp-41	101	169	access	access	NOUN
gp-41	101	170	94.80	94.80	NUM
gp-41	101	171	97.43	97.43	NUM
gp-41	101	172	94.87	94.87	NUM
gp-41	101	173	5.38	5.38	NUM
gp-41	101	174	(	(	PUNCT
gp-41	101	175	0.02	0.02	NUM
gp-41	101	176	)	)	PUNCT
gp-41	101	177	have	have	VERB
gp-41	101	178	access	access	NOUN
gp-41	101	179	5.20	5.20	NUM
gp-41	101	180	2.57	2.57	NUM
gp-41	101	181	5.13	5.13	NUM
gp-41	101	182	mobile	mobile	ADJ
gp-41	101	183	money	money	NOUN
gp-41	101	184	no	no	DET
gp-41	101	185	access	access	NOUN
gp-41	101	186	85.75	85.75	NUM
gp-41	101	187	88.95	88.95	NUM
gp-41	101	188	85.84	85.84	NUM
gp-41	101	189	3.16	3.16	NUM
gp-41	101	190	(	(	PUNCT
gp-41	101	191	0.07	0.07	NUM
gp-41	101	192	)	)	PUNCT
gp-41	101	193	have	have	VERB
gp-41	101	194	access	access	NOUN
gp-41	101	195	14.25	14.25	NUM
gp-41	101	196	11.05	11.05	NUM
gp-41	101	197	14.16	14.16	NUM
gp-41	101	198	total	total	NOUN
gp-41	101	199	100.00	100.00	NUM
gp-41	101	200	100.00	100.00	NUM
gp-41	101	201	100.00	100.00	NUM
gp-41	101	202	source	source	NOUN
gp-41	101	203	:	:	PUNCT
gp-41	101	204	author	author	NOUN
gp-41	101	205	calculations	calculation	NOUN
gp-41	101	206	from	from	ADP
gp-41	101	207	odisha	odisha	PROPN
gp-41	101	208	economic	economic	ADJ
gp-41	101	209	survey	survey	NOUN
gp-41	101	210	(	(	PUNCT
gp-41	101	211	goodman	goodman	PROPN
gp-41	101	212	et	et	PROPN
gp-41	101	213	al	al	PROPN
gp-41	101	214	.	.	PROPN
gp-41	101	215	,	,	PUNCT
gp-41	101	216	2017	2017	NUM
gp-41	101	217	)	)	PUNCT
gp-41	101	218	across	across	ADP
gp-41	101	219	all	all	DET
gp-41	101	220	the	the	DET
gp-41	101	221	financial	financial	ADJ
gp-41	101	222	products	product	NOUN
gp-41	101	223	and	and	CCONJ
gp-41	101	224	services	service	NOUN
gp-41	101	225	,	,	PUNCT
gp-41	101	226	more	more	ADJ
gp-41	101	227	people	people	NOUN
gp-41	101	228	with	with	ADP
gp-41	101	229	disability	disability	NOUN
gp-41	101	230	have	have	VERB
gp-41	101	231	limited	limit	VERB
gp-41	101	232	access	access	NOUN
gp-41	101	233	compared	compare	VERB
gp-41	101	234	with	with	ADP
gp-41	101	235	their	their	PRON
gp-41	101	236	counterparts	counterpart	NOUN
gp-41	101	237	,	,	PUNCT
gp-41	101	238	and	and	CCONJ
gp-41	101	239	in	in	ADP
gp-41	101	240	terms	term	NOUN
gp-41	101	241	of	of	ADP
gp-41	101	242	access	access	NOUN
gp-41	101	243	,	,	PUNCT
gp-41	101	244	people	people	NOUN
gp-41	101	245	with	with	ADP
gp-41	101	246	disability	disability	NOUN
gp-41	101	247	lag	lag	VERB
gp-41	101	248	behind	behind	ADP
gp-41	101	249	.	.	PUNCT
gp-41	102	1	for	for	ADP
gp-41	102	2	instance	instance	NOUN
gp-41	102	3	,	,	PUNCT
gp-41	102	4	while	while	SCONJ
gp-41	102	5	49.11	49.11	NUM
gp-41	102	6	%	%	NOUN
gp-41	102	7	of	of	ADP
gp-41	102	8	people	people	NOUN
gp-41	102	9	without	without	ADP
gp-41	102	10	disability	disability	NOUN
gp-41	102	11	have	have	VERB
gp-41	102	12	formal	formal	ADJ
gp-41	102	13	banks	bank	NOUN
gp-41	102	14	,	,	PUNCT
gp-41	102	15	only	only	ADV
gp-41	102	16	28.79	28.79	NUM
gp-41	102	17	%	%	NOUN
gp-41	102	18	of	of	ADP
gp-41	102	19	pwd	pwd	NOUN
gp-41	102	20	do	do	AUX
gp-41	102	21	,	,	PUNCT
gp-41	102	22	and	and	CCONJ
gp-41	102	23	only	only	ADV
gp-41	102	24	10.54	10.54	NUM
gp-41	102	25	%	%	NOUN
gp-41	102	26	of	of	ADP
gp-41	102	27	pwd	pwd	NOUN
gp-41	102	28	reported	report	VERB
gp-41	102	29	having	have	VERB
gp-41	102	30	access	access	NOUN
gp-41	102	31	to	to	ADP
gp-41	102	32	commercial	commercial	ADJ
gp-41	102	33	banks	bank	NOUN
gp-41	102	34	compared	compare	VERB
gp-41	102	35	with	with	ADP
gp-41	102	36	people	people	NOUN
gp-41	102	37	without	without	ADP
gp-41	102	38	disability	disability	NOUN
gp-41	102	39	(	(	PUNCT
gp-41	102	40	21.04	21.04	NUM
gp-41	102	41	%	%	NOUN
gp-41	102	42	)	)	PUNCT
gp-41	102	43	.	.	PUNCT
gp-41	103	1	it	it	PRON
gp-41	103	2	is	be	AUX
gp-41	103	3	worrying	worry	VERB
gp-41	103	4	to	to	PART
gp-41	103	5	note	note	VERB
gp-41	103	6	that	that	SCONJ
gp-41	103	7	rural	rural	ADJ
gp-41	103	8	banks	bank	NOUN
gp-41	103	9	that	that	PRON
gp-41	103	10	operate	operate	VERB
gp-41	103	11	mostly	mostly	ADV
gp-41	103	12	in	in	ADP
gp-41	103	13	rural	rural	ADJ
gp-41	103	14	communities	community	NOUN
gp-41	103	15	serve	serve	VERB
gp-41	103	16	only	only	ADV
gp-41	103	17	a	a	DET
gp-41	103	18	little	little	ADJ
gp-41	103	19	above	above	ADP
gp-41	103	20	6	6	NUM
gp-41	103	21	%	%	NOUN
gp-41	103	22	of	of	ADP
gp-41	103	23	people	people	NOUN
gp-41	103	24	with	with	ADP
gp-41	103	25	disability	disability	NOUN
gp-41	103	26	.	.	PUNCT
gp-41	104	1	this	this	PRON
gp-41	104	2	indeed	indeed	ADV
gp-41	104	3	re	re	VERB
gp-41	104	4	-	-	NOUN
gp-41	104	5	echoes	echo	VERB
gp-41	104	6	their	their	PRON
gp-41	104	7	disability	disability	NOUN
gp-41	104	8	status	status	NOUN
gp-41	104	9	as	as	SCONJ
gp-41	104	10	they	they	PRON
gp-41	104	11	are	be	AUX
gp-41	104	12	deprived	deprive	VERB
gp-41	104	13	of	of	ADP
gp-41	104	14	financial	financial	ADJ
gp-41	104	15	opportunities	opportunity	NOUN
gp-41	104	16	.	.	PUNCT
gp-41	105	1	the	the	DET
gp-41	105	2	situation	situation	NOUN
gp-41	105	3	is	be	AUX
gp-41	105	4	worse	bad	ADJ
gp-41	105	5	in	in	ADP
gp-41	105	6	terms	term	NOUN
gp-41	105	7	of	of	ADP
gp-41	105	8	savings	saving	NOUN
gp-41	105	9	and	and	CCONJ
gp-41	105	10	loans	loan	NOUN
gp-41	105	11	,	,	PUNCT
gp-41	105	12	not	not	PART
gp-41	105	13	only	only	ADV
gp-41	105	14	for	for	ADP
gp-41	105	15	people	people	NOUN
gp-41	105	16	with	with	ADP
gp-41	105	17	disability	disability	NOUN
gp-41	105	18	(	(	PUNCT
gp-41	105	19	1.80	1.80	NUM
gp-41	105	20	%	%	NOUN
gp-41	105	21	)	)	PUNCT
gp-41	105	22	but	but	CCONJ
gp-41	105	23	also	also	ADV
gp-41	105	24	for	for	ADP
gp-41	105	25	those	those	PRON
gp-41	105	26	without	without	ADP
gp-41	105	27	disabilities	disability	NOUN
gp-41	105	28	(	(	PUNCT
gp-41	105	29	5.09	5.09	NUM
gp-41	105	30	%	%	NOUN
gp-41	105	31	)	)	PUNCT
gp-41	105	32	.	.	PUNCT
gp-41	106	1	besides	besides	SCONJ
gp-41	106	2	formal	formal	ADJ
gp-41	106	3	bank	bank	NOUN
gp-41	106	4	account	account	NOUN
gp-41	106	5	ownership	ownership	NOUN
gp-41	106	6	,	,	PUNCT
gp-41	106	7	mobile	mobile	ADJ
gp-41	106	8	money	money	NOUN
gp-41	106	9	seems	seem	VERB
gp-41	106	10	to	to	PART
gp-41	106	11	be	be	AUX
gp-41	106	12	promising	promise	VERB
gp-41	106	13	as	as	SCONJ
gp-41	106	14	it	it	PRON
gp-41	106	15	serves	serve	VERB
gp-41	106	16	a	a	DET
gp-41	106	17	little	little	ADJ
gp-41	106	18	above	above	ADP
gp-41	106	19	11	11	NUM
gp-41	106	20	%	%	NOUN
gp-41	106	21	of	of	ADP
gp-41	106	22	people	people	NOUN
gp-41	106	23	with	with	ADP
gp-41	106	24	disabilities	disability	NOUN
gp-41	106	25	.	.	PUNCT
gp-41	107	1	people	people	NOUN
gp-41	107	2	with	with	ADP
gp-41	107	3	disability	disability	NOUN
gp-41	107	4	and	and	CCONJ
gp-41	107	5	use	use	NOUN
gp-41	107	6	of	of	ADP
gp-41	107	7	financial	financial	ADJ
gp-41	107	8	services	service	NOUN
gp-41	107	9	american	american	PROPN
gp-41	107	10	journal	journal	PROPN
gp-41	107	11	of	of	ADP
gp-41	107	12	economic	economic	ADJ
gp-41	107	13	and	and	CCONJ
gp-41	107	14	management	management	NOUN
gp-41	107	15	business	business	NOUN
gp-41	107	16	vol	vol	NOUN
gp-41	107	17	.	.	PROPN
gp-41	107	18	2	2	NUM
gp-41	107	19	no	no	NOUN
gp-41	107	20	.	.	NOUN
gp-41	108	1	6	6	NUM
gp-41	108	2	june	june	PROPN
gp-41	108	3	2023	2023	NUM
gp-41	108	4	210	210	NUM
gp-41	108	5	access	access	NOUN
gp-41	108	6	to	to	ADP
gp-41	108	7	banking	banking	NOUN
gp-41	108	8	services	service	NOUN
gp-41	108	9	has	have	AUX
gp-41	108	10	become	become	VERB
gp-41	108	11	an	an	DET
gp-41	108	12	increasingly	increasingly	ADV
gp-41	108	13	important	important	ADJ
gp-41	108	14	tool	tool	NOUN
gp-41	108	15	for	for	ADP
gp-41	108	16	financial	financial	ADJ
gp-41	108	17	inclusion	inclusion	NOUN
gp-41	108	18	,	,	PUNCT
gp-41	108	19	and	and	CCONJ
gp-41	108	20	it	it	PRON
gp-41	108	21	gives	give	VERB
gp-41	108	22	people	people	NOUN
gp-41	108	23	control	control	VERB
gp-41	108	24	over	over	ADP
gp-41	108	25	their	their	PRON
gp-41	108	26	care	care	NOUN
gp-41	108	27	and	and	CCONJ
gp-41	108	28	support	support	NOUN
gp-41	108	29	,	,	PUNCT
gp-41	108	30	including	include	VERB
gp-41	108	31	managing	manage	VERB
gp-41	108	32	personal	personal	ADJ
gp-41	108	33	budgets	budget	NOUN
gp-41	108	34	,	,	PUNCT
gp-41	108	35	as	as	ADV
gp-41	108	36	well	well	ADV
gp-41	108	37	as	as	ADP
gp-41	108	38	promoting	promote	VERB
gp-41	108	39	control	control	NOUN
gp-41	108	40	and	and	CCONJ
gp-41	108	41	independence	independence	NOUN
gp-41	108	42	.	.	PUNCT
gp-41	109	1	evidence	evidence	NOUN
gp-41	109	2	from	from	ADP
gp-41	109	3	the	the	DET
gp-41	109	4	odisha	odisha	PROPN
gp-41	109	5	economic	economic	ADJ
gp-41	109	6	survey	survey	NOUN
gp-41	109	7	in	in	ADP
gp-41	109	8	odisha	odisha	PROPN
gp-41	109	9	shows	show	VERB
gp-41	109	10	that	that	SCONJ
gp-41	109	11	pwd	pwd	NOUN
gp-41	109	12	are	be	AUX
gp-41	109	13	deprived	deprive	VERB
gp-41	109	14	of	of	ADP
gp-41	109	15	the	the	DET
gp-41	109	16	use	use	NOUN
gp-41	109	17	of	of	ADP
gp-41	109	18	banking	banking	NOUN
gp-41	109	19	services	service	NOUN
gp-41	109	20	after	after	ADP
gp-41	109	21	controlling	control	VERB
gp-41	109	22	for	for	ADP
gp-41	109	23	individual	individual	ADJ
gp-41	109	24	and	and	CCONJ
gp-41	109	25	household	household	NOUN
gp-41	109	26	characteristics	characteristic	NOUN
gp-41	109	27	.	.	PUNCT
gp-41	110	1	table	table	NOUN
gp-41	110	2	3	3	NUM
gp-41	110	3	marginal	marginal	ADJ
gp-41	110	4	effects	effect	NOUN
gp-41	110	5	variable	variable	ADJ
gp-41	110	6	commercial	commercial	PROPN
gp-41	110	7	bank	bank	PROPN
gp-41	110	8	rcb	rcb	PROPN
gp-41	110	9	at	at	ADV
gp-41	110	10	least	least	ADV
gp-41	110	11	one	one	NUM
gp-41	110	12	financial	financial	ADJ
gp-41	110	13	service	service	NOUN
gp-41	110	14	dy	dy	PROPN
gp-41	110	15	/	/	SYM
gp-41	110	16	dx	dx	PROPN
gp-41	110	17	std	std	PROPN
gp-41	110	18	.	.	PROPN
gp-41	111	1	error	error	NOUN
gp-41	111	2	dy	dy	NOUN
gp-41	111	3	/	/	SYM
gp-41	111	4	dx	dx	PROPN
gp-41	111	5	std	std	PROPN
gp-41	111	6	.	.	PROPN
gp-41	111	7	error	error	NOUN
gp-41	111	8	dy	dy	NOUN
gp-41	111	9	/	/	SYM
gp-41	111	10	dx	dx	PROPN
gp-41	111	11	std	std	PROPN
gp-41	111	12	.	.	PROPN
gp-41	111	13	error	error	NOUN
gp-41	111	14	pwd	pwd	NOUN
gp-41	111	15	-0.063	-0.063	NUM
gp-41	111	16	0.030	0.030	NUM
gp-41	111	17	-0.048	-0.048	NOUN
gp-41	111	18	0.026	0.026	NUM
gp-41	111	19	-0.063	-0.063	NUM
gp-41	111	20	0.030	0.030	NUM
gp-41	111	21	age	age	NOUN
gp-41	111	22	0.007	0.007	NUM
gp-41	111	23	0.002	0.002	NUM
gp-41	111	24	0.006	0.006	NUM
gp-41	111	25	0.002	0.002	NUM
gp-41	111	26	0.007	0.007	NUM
gp-41	111	27	0.002	0.002	NUM
gp-41	111	28	relegion	relegion	NOUN
gp-41	111	29	hindu	hindu	NOUN
gp-41	111	30	0.090	0.090	NUM
gp-41	111	31	0.019	0.019	NUM
gp-41	111	32	0.050	0.050	NUM
gp-41	111	33	0.017	0.017	NUM
gp-41	111	34	0.090	0.090	NUM
gp-41	111	35	0.019	0.019	NUM
gp-41	111	36	chiristian	chiristian	NOUN
gp-41	111	37	muslim	muslim	PROPN
gp-41	111	38	0.064	0.064	NUM
gp-41	111	39	0.023	0.023	NUM
gp-41	111	40	0.053	0.053	NUM
gp-41	111	41	0.020	0.020	NUM
gp-41	111	42	0.064	0.064	NUM
gp-41	111	43	0.023	0.023	NUM
gp-41	111	44	traditional	traditional	ADJ
gp-41	111	45	-0.027	-0.027	PUNCT
gp-41	111	46	0.031	0.031	NUM
gp-41	111	47	0.063	0.063	NUM
gp-41	111	48	0.028	0.028	NUM
gp-41	111	49	-0.027	-0.027	PUNCT
gp-41	111	50	0.031	0.031	NUM
gp-41	111	51	region	region	NOUN
gp-41	111	52	north	north	PROPN
gp-41	111	53	0.082	0.082	NUM
gp-41	111	54	0.019	0.019	NUM
gp-41	111	55	0.025	0.025	NUM
gp-41	111	56	0	0	NUM
gp-41	111	57	.016	.016	NUM
gp-41	111	58	0.082	0.082	NUM
gp-41	111	59	0.019	0.019	NUM
gp-41	111	60	south	south	NOUN
gp-41	111	61	0.097	0.097	NUM
gp-41	111	62	0.020	0.020	NUM
gp-41	111	63	0.141	0.141	NUM
gp-41	111	64	0.017	0.017	NUM
gp-41	111	65	0.097	0.097	NUM
gp-41	111	66	0.020	0.020	NUM
gp-41	111	67	east	east	NOUN
gp-41	111	68	0.083	0.083	NUM
gp-41	111	69	0.019	0.019	NUM
gp-41	111	70	0.041	0.041	NUM
gp-41	111	71	0.017	0.017	NUM
gp-41	111	72	0.083	0.083	NUM
gp-41	111	73	0.019	0.019	NUM
gp-41	111	74	west	west	PROPN
gp-41	111	75	0.013	0.013	NUM
gp-41	111	76	0.018	0.018	NUM
gp-41	111	77	-0.043	-0.043	PUNCT
gp-41	111	78	0.015	0.015	NUM
gp-41	111	79	0.013	0.013	NUM
gp-41	111	80	0.018	0.018	NUM
gp-41	111	81	welfare	welfare	NOUN
gp-41	111	82	0.000	0.000	NUM
gp-41	111	83	0.000	0.000	NUM
gp-41	111	84	0.000	0.000	NUM
gp-41	111	85	0.000	0.000	NUM
gp-41	111	86	0	0	NUM
gp-41	111	87	.000	.000	NUM
gp-41	111	88	0.000	0.000	NUM
gp-41	111	89	sex	sex	NOUN
gp-41	111	90	female	female	NOUN
gp-41	111	91	-0.045	-0.045	ADV
gp-41	111	92	0.012	0.012	NUM
gp-41	111	93	-0.06	-0.06	NUM
gp-41	111	94	0.010	0.010	NUM
gp-41	111	95	-0.045	-0.045	PUNCT
gp-41	111	96	0.012	0.012	NUM
gp-41	111	97	male	male	NOUN
gp-41	111	98	-0.063	-0.063	NUM
gp-41	111	99	0.018	0.018	NUM
gp-41	111	100	0.072	0.072	NUM
gp-41	111	101	0.017	0.017	NUM
gp-41	111	102	-0.052	-0.052	NUM
gp-41	111	103	0.018	0.018	NUM
gp-41	111	104	location	location	NOUN
gp-41	111	105	rural	rural	ADJ
gp-41	111	106	0.093	0.093	NUM
gp-41	111	107	0.010	0.010	NUM
gp-41	111	108	-0.095	-0.095	NUM
gp-41	111	109	0.008	0.008	NUM
gp-41	111	110	-0.093	-0.093	NOUN
gp-41	111	111	0.010	0.010	NUM
gp-41	111	112	urban	urban	ADJ
gp-41	111	113	0	0	NUM
gp-41	111	114	.	.	NOUN
gp-41	111	115	064	064	NUM
gp-41	112	1	0.008	0.008	NUM
gp-41	112	2	00	00	NUM
gp-41	112	3	00	00	NUM
gp-41	112	4	0.086	0.086	NUM
gp-41	112	5	0.012	0.012	NUM
gp-41	112	6	education	education	NOUN
gp-41	112	7	metric	metric	NOUN
gp-41	112	8	0.139	0.139	NUM
gp-41	112	9	0.012	0.012	NUM
gp-41	112	10	0.105	0.105	NUM
gp-41	112	11	0.009	0.009	NUM
gp-41	112	12	0.139	0.139	NUM
gp-41	112	13	0.012	0.012	NUM
gp-41	112	14	+2	+2	ADP
gp-41	112	15	0.272	0.272	NUM
gp-41	112	16	0.015	0.015	NUM
gp-41	112	17	0.287	0.287	NUM
gp-41	112	18	0.014	0.014	NUM
gp-41	112	19	0.272	0.272	NUM
gp-41	112	20	0.015	0.015	NUM
gp-41	112	21	territory	territory	NOUN
gp-41	112	22	0.460	0.460	NUM
gp-41	112	23	0.014	0.014	NUM
gp-41	112	24	0.520	0.520	NUM
gp-41	112	25	0.018	0.018	NUM
gp-41	112	26	0.460	0.460	NUM
gp-41	112	27	0.014	0.014	NUM
gp-41	112	28	table	table	NOUN
gp-41	112	29	3	3	NUM
gp-41	112	30	presents	present	VERB
gp-41	112	31	the	the	DET
gp-41	112	32	probit	probit	NOUN
gp-41	112	33	regression	regression	NOUN
gp-41	112	34	results	result	NOUN
gp-41	112	35	(	(	PUNCT
gp-41	112	36	marginal	marginal	ADJ
gp-41	112	37	effects	effect	NOUN
gp-41	112	38	)	)	PUNCT
gp-41	112	39	of	of	ADP
gp-41	112	40	people	people	NOUN
gp-41	112	41	living	live	VERB
gp-41	112	42	with	with	ADP
gp-41	112	43	disability	disability	NOUN
gp-41	112	44	on	on	ADP
gp-41	112	45	the	the	DET
gp-41	112	46	use	use	NOUN
gp-41	112	47	of	of	ADP
gp-41	112	48	financial	financial	ADJ
gp-41	112	49	services	service	NOUN
gp-41	112	50	.	.	PUNCT
gp-41	113	1	the	the	DET
gp-41	113	2	use	use	NOUN
gp-41	113	3	of	of	ADP
gp-41	113	4	financial	financial	ADJ
gp-41	113	5	services	service	NOUN
gp-41	113	6	includes	include	VERB
gp-41	113	7	having	have	VERB
gp-41	113	8	an	an	DET
gp-41	113	9	account	account	NOUN
gp-41	113	10	with	with	ADP
gp-41	113	11	a	a	DET
gp-41	113	12	commercial	commercial	ADJ
gp-41	113	13	,	,	PUNCT
gp-41	113	14	rural	rural	ADJ
gp-41	113	15	or	or	CCONJ
gp-41	113	16	community	community	NOUN
gp-41	113	17	bank	bank	NOUN
gp-41	113	18	,	,	PUNCT
gp-41	113	19	and	and	CCONJ
gp-41	113	20	having	have	VERB
gp-41	113	21	at	at	ADV
gp-41	113	22	least	least	ADV
gp-41	113	23	one	one	NUM
gp-41	113	24	financial	financial	ADJ
gp-41	113	25	product	product	NOUN
gp-41	113	26	or	or	CCONJ
gp-41	113	27	service	service	NOUN
gp-41	113	28	with	with	ADP
gp-41	113	29	a	a	DET
gp-41	113	30	bank	bank	NOUN
gp-41	113	31	.	.	PUNCT
gp-41	114	1	being	be	AUX
gp-41	114	2	a	a	DET
gp-41	114	3	person	person	NOUN
gp-41	114	4	with	with	ADP
gp-41	114	5	disability	disability	NOUN
gp-41	114	6	reduces	reduce	VERB
gp-41	114	7	the	the	DET
gp-41	114	8	likelihood	likelihood	NOUN
gp-41	114	9	of	of	ADP
gp-41	114	10	dealing	deal	VERB
gp-41	114	11	with	with	ADP
gp-41	114	12	a	a	DET
gp-41	114	13	commercial	commercial	ADJ
gp-41	114	14	and	and	CCONJ
gp-41	114	15	rural	rural	ADJ
gp-41	114	16	bank	bank	NOUN
gp-41	114	17	,	,	PUNCT
gp-41	114	18	but	but	CCONJ
gp-41	114	19	the	the	DET
gp-41	114	20	likelihood	likelihood	NOUN
gp-41	114	21	is	be	AUX
gp-41	114	22	greater	great	ADJ
gp-41	114	23	for	for	ADP
gp-41	114	24	commercial	commercial	ADJ
gp-41	114	25	banks	bank	NOUN
gp-41	114	26	(	(	PUNCT
gp-41	114	27	0.063	0.063	NUM
gp-41	114	28	)	)	PUNCT
gp-41	114	29	compared	compare	VERB
gp-41	114	30	with	with	ADP
gp-41	114	31	rural	rural	ADJ
gp-41	114	32	banks	bank	NOUN
gp-41	114	33	(	(	PUNCT
gp-41	114	34	0.026	0.026	NUM
gp-41	114	35	)	)	PUNCT
gp-41	114	36	.	.	PUNCT
gp-41	115	1	in	in	ADP
gp-41	115	2	the	the	DET
gp-41	115	3	same	same	ADJ
gp-41	115	4	way	way	NOUN
gp-41	115	5	,	,	PUNCT
gp-41	115	6	being	be	AUX
gp-41	115	7	a	a	DET
gp-41	115	8	person	person	NOUN
gp-41	115	9	with	with	ADP
gp-41	115	10	disability	disability	NOUN
gp-41	115	11	reduces	reduce	VERB
gp-41	115	12	the	the	DET
gp-41	115	13	probability	probability	NOUN
gp-41	115	14	of	of	ADP
gp-41	115	15	having	have	VERB
gp-41	115	16	at	at	ADV
gp-41	115	17	least	least	ADV
gp-41	115	18	one	one	NUM
gp-41	115	19	financial	financial	ADJ
gp-41	115	20	product	product	NOUN
gp-41	115	21	or	or	CCONJ
gp-41	115	22	service	service	NOUN
gp-41	115	23	with	with	ADP
gp-41	115	24	a	a	DET
gp-41	115	25	bank	bank	NOUN
gp-41	115	26	.	.	PUNCT
gp-41	116	1	thus	thus	ADV
gp-41	116	2	,	,	PUNCT
gp-41	116	3	pwds	pwds	PROPN
gp-41	116	4	are	be	AUX
gp-41	116	5	6.3	6.3	NUM
gp-41	116	6	%	%	NOUN
gp-41	116	7	less	less	ADV
gp-41	116	8	likely	likely	ADJ
gp-41	116	9	to	to	PART
gp-41	116	10	have	have	VERB
gp-41	116	11	at	at	ADV
gp-41	116	12	least	least	ADV
gp-41	116	13	one	one	NUM
gp-41	116	14	financial	financial	ADJ
gp-41	116	15	product	product	NOUN
gp-41	116	16	or	or	CCONJ
gp-41	116	17	service	service	NOUN
gp-41	116	18	with	with	ADP
gp-41	116	19	a	a	DET
gp-41	116	20	bank	bank	NOUN
gp-41	116	21	.	.	PUNCT
gp-41	117	1	the	the	DET
gp-41	117	2	reduced	reduced	ADJ
gp-41	117	3	likeliness	likeliness	NOUN
gp-41	117	4	of	of	ADP
gp-41	117	5	people	people	NOUN
gp-41	117	6	with	with	ADP
gp-41	117	7	disability	disability	NOUN
gp-41	117	8	using	use	VERB
gp-41	117	9	financial	financial	ADJ
gp-41	117	10	services	service	NOUN
gp-41	117	11	might	might	AUX
gp-41	117	12	be	be	AUX
gp-41	117	13	a	a	DET
gp-41	117	14	result	result	NOUN
gp-41	117	15	of	of	ADP
gp-41	117	16	several	several	ADJ
gp-41	117	17	reasons	reason	NOUN
gp-41	117	18	.	.	PUNCT
gp-41	118	1	for	for	ADP
gp-41	118	2	instance	instance	NOUN
gp-41	118	3	,	,	PUNCT
gp-41	118	4	pwds	pwds	PROPN
gp-41	118	5	are	be	AUX
gp-41	118	6	perceived	perceive	VERB
gp-41	118	7	to	to	PART
gp-41	118	8	be	be	AUX
gp-41	118	9	risky	risky	ADJ
gp-41	118	10	by	by	ADP
gp-41	118	11	financial	financial	ADJ
gp-41	118	12	institutions	institution	NOUN
gp-41	118	13	because	because	SCONJ
gp-41	118	14	they	they	PRON
gp-41	118	15	might	might	AUX
gp-41	118	16	not	not	PART
gp-41	118	17	have	have	VERB
gp-41	118	18	collateral	collateral	ADJ
gp-41	118	19	security	security	NOUN
gp-41	118	20	.	.	PUNCT
gp-41	119	1	in	in	ADP
gp-41	119	2	addition	addition	NOUN
gp-41	119	3	,	,	PUNCT
gp-41	119	4	people	people	NOUN
gp-41	119	5	with	with	ADP
gp-41	119	6	disability	disability	NOUN
gp-41	119	7	are	be	AUX
gp-41	119	8	perceived	perceive	VERB
gp-41	119	9	to	to	PART
gp-41	119	10	be	be	AUX
gp-41	119	11	low	low	ADJ
gp-41	119	12	-	-	PUNCT
gp-41	119	13	income	income	NOUN
gp-41	119	14	earners	earner	NOUN
gp-41	119	15	or	or	CCONJ
gp-41	119	16	have	have	VERB
gp-41	119	17	no	no	DET
gp-41	119	18	source	source	NOUN
gp-41	119	19	of	of	ADP
gp-41	119	20	income	income	NOUN
gp-41	119	21	at	at	ADV
gp-41	119	22	all	all	ADV
gp-41	119	23	.	.	PUNCT
gp-41	120	1	the	the	DET
gp-41	120	2	limited	limited	ADJ
gp-41	120	3	access	access	NOUN
gp-41	120	4	to	to	ADP
gp-41	120	5	finance	finance	NOUN
gp-41	120	6	is	be	AUX
gp-41	120	7	also	also	ADV
gp-41	120	8	basically	basically	ADV
gp-41	120	9	based	base	VERB
gp-41	120	10	on	on	ADP
gp-41	120	11	the	the	DET
gp-41	120	12	assumption	assumption	NOUN
gp-41	120	13	about	about	ADP
gp-41	120	14	what	what	PRON
gp-41	120	15	people	people	NOUN
gp-41	120	16	with	with	ADP
gp-41	120	17	disability	disability	NOUN
gp-41	120	18	are	be	AUX
gp-41	120	19	able	able	ADJ
gp-41	120	20	and	and	CCONJ
gp-41	120	21	unable	unable	ADJ
gp-41	120	22	to	to	PART
gp-41	120	23	do	do	VERB
gp-41	120	24	(	(	PUNCT
gp-41	120	25	teles	tele	NOUN
gp-41	120	26	,	,	PUNCT
gp-41	120	27	2016	2016	NUM
gp-41	120	28	)	)	PUNCT
gp-41	120	29	,	,	PUNCT
gp-41	120	30	such	such	ADJ
gp-41	120	31	as	as	ADP
gp-41	120	32	their	their	PRON
gp-41	120	33	capacity	capacity	NOUN
gp-41	120	34	to	to	PART
gp-41	120	35	write	write	VERB
gp-41	120	36	and	and	CCONJ
gp-41	120	37	read	read	VERB
gp-41	120	38	,	,	PUNCT
gp-41	120	39	as	as	ADV
gp-41	120	40	well	well	ADV
gp-41	120	41	as	as	ADP
gp-41	120	42	the	the	DET
gp-41	120	43	ability	ability	NOUN
gp-41	120	44	in	in	ADP
gp-41	120	45	making	make	VERB
gp-41	120	46	relevant	relevant	ADJ
gp-41	120	47	independent	independent	ADJ
gp-41	120	48	financial	financial	ADJ
gp-41	120	49	decisions	decision	NOUN
gp-41	120	50	.	.	PUNCT
gp-41	121	1	kabya	kabya	PROPN
gp-41	121	2	sambad	sambad	PROPN
gp-41	121	3	,	,	PUNCT
gp-41	121	4	ashis	ashis	PROPN
gp-41	121	5	kumar	kumar	PROPN
gp-41	121	6	samal	samal	PROPN
gp-41	121	7	211	211	NUM
gp-41	121	8	it	it	PRON
gp-41	121	9	is	be	AUX
gp-41	121	10	also	also	ADV
gp-41	121	11	important	important	ADJ
gp-41	121	12	to	to	PART
gp-41	121	13	note	note	VERB
gp-41	121	14	that	that	SCONJ
gp-41	121	15	the	the	DET
gp-41	121	16	nature	nature	NOUN
gp-41	121	17	of	of	ADP
gp-41	121	18	banking	banking	NOUN
gp-41	121	19	halls	hall	NOUN
gp-41	121	20	can	can	AUX
gp-41	121	21	deprive	deprive	VERB
gp-41	121	22	such	such	ADJ
gp-41	121	23	persons	person	NOUN
gp-41	121	24	of	of	ADP
gp-41	121	25	accessing	access	VERB
gp-41	121	26	them	they	PRON
gp-41	121	27	.	.	PUNCT
gp-41	122	1	the	the	DET
gp-41	122	2	absence	absence	NOUN
gp-41	122	3	of	of	ADP
gp-41	122	4	disabilityfriendly	disabilityfriendly	ADV
gp-41	122	5	structures	structure	NOUN
gp-41	122	6	,	,	PUNCT
gp-41	122	7	such	such	ADJ
gp-41	122	8	as	as	ADP
gp-41	122	9	building	build	VERB
gp-41	122	10	ramps	ramp	NOUN
gp-41	122	11	and	and	CCONJ
gp-41	122	12	the	the	DET
gp-41	122	13	like	like	ADJ
gp-41	122	14	,	,	PUNCT
gp-41	122	15	reduces	reduce	VERB
gp-41	122	16	their	their	PRON
gp-41	122	17	accessibility	accessibility	NOUN
gp-41	122	18	.	.	PUNCT
gp-41	123	1	again	again	ADV
gp-41	123	2	,	,	PUNCT
gp-41	123	3	for	for	ADP
gp-41	123	4	personal	personal	ADJ
gp-41	123	5	reasons	reason	NOUN
gp-41	123	6	,	,	PUNCT
gp-41	123	7	most	most	ADJ
gp-41	123	8	pwd	pwd	NOUN
gp-41	123	9	may	may	AUX
gp-41	123	10	voluntarily	voluntarily	ADV
gp-41	123	11	exclude	exclude	VERB
gp-41	123	12	themselves	themselves	PRON
gp-41	123	13	from	from	ADP
gp-41	123	14	going	go	VERB
gp-41	123	15	to	to	ADP
gp-41	123	16	the	the	DET
gp-41	123	17	bank	bank	NOUN
gp-41	123	18	to	to	PART
gp-41	123	19	transact	transact	VERB
gp-41	123	20	business	business	NOUN
gp-41	123	21	because	because	SCONJ
gp-41	123	22	they	they	PRON
gp-41	123	23	are	be	AUX
gp-41	123	24	discouraged	discourage	VERB
gp-41	123	25	by	by	ADP
gp-41	123	26	their	their	PRON
gp-41	123	27	own	own	ADJ
gp-41	123	28	perception	perception	NOUN
gp-41	123	29	that	that	SCONJ
gp-41	123	30	their	their	PRON
gp-41	123	31	applications	application	NOUN
gp-41	123	32	would	would	AUX
gp-41	123	33	be	be	AUX
gp-41	123	34	denied	deny	VERB
gp-41	123	35	.	.	PUNCT
gp-41	124	1	the	the	DET
gp-41	124	2	physical	physical	ADJ
gp-41	124	3	design	design	NOUN
gp-41	124	4	of	of	ADP
gp-41	124	5	some	some	DET
gp-41	124	6	bank	bank	NOUN
gp-41	124	7	premises	premise	NOUN
gp-41	124	8	and	and	CCONJ
gp-41	124	9	other	other	ADJ
gp-41	124	10	storefront	storefront	ADJ
gp-41	124	11	financial	financial	ADJ
gp-41	124	12	service	service	NOUN
gp-41	124	13	providers	provider	NOUN
gp-41	124	14	do	do	AUX
gp-41	124	15	not	not	PART
gp-41	124	16	ensure	ensure	VERB
gp-41	124	17	access	access	NOUN
gp-41	124	18	for	for	ADP
gp-41	124	19	a	a	DET
gp-41	124	20	range	range	NOUN
gp-41	124	21	of	of	ADP
gp-41	124	22	consumers	consumer	NOUN
gp-41	124	23	with	with	ADP
gp-41	124	24	disability	disability	NOUN
gp-41	124	25	.	.	PUNCT
gp-41	125	1	besides	besides	SCONJ
gp-41	125	2	,	,	PUNCT
gp-41	125	3	people	people	NOUN
gp-41	125	4	with	with	ADP
gp-41	125	5	disability	disability	NOUN
gp-41	125	6	are	be	AUX
gp-41	125	7	more	more	ADV
gp-41	125	8	likely	likely	ADJ
gp-41	125	9	to	to	PART
gp-41	125	10	self	self	NOUN
gp-41	125	11	-	-	PUNCT
gp-41	125	12	select	select	NOUN
gp-41	125	13	out	out	ADP
gp-41	125	14	of	of	ADP
gp-41	125	15	the	the	DET
gp-41	125	16	credit	credit	NOUN
gp-41	125	17	market	market	NOUN
gp-41	125	18	because	because	SCONJ
gp-41	125	19	of	of	ADP
gp-41	125	20	low	low	ADJ
gp-41	125	21	perceived	perceive	VERB
gp-41	125	22	creditworthiness	creditworthiness	NOUN
gp-41	125	23	.	.	PUNCT
gp-41	126	1	this	this	DET
gp-41	126	2	situation	situation	NOUN
gp-41	126	3	is	be	AUX
gp-41	126	4	likely	likely	ADJ
gp-41	126	5	to	to	PART
gp-41	126	6	contribute	contribute	VERB
gp-41	126	7	to	to	ADP
gp-41	126	8	the	the	DET
gp-41	126	9	financial	financial	ADJ
gp-41	126	10	vulnerability	vulnerability	NOUN
gp-41	126	11	of	of	ADP
gp-41	126	12	people	people	NOUN
gp-41	126	13	with	with	ADP
gp-41	126	14	disability	disability	NOUN
gp-41	126	15	.	.	PUNCT
gp-41	127	1	with	with	ADP
gp-41	127	2	reference	reference	NOUN
gp-41	127	3	to	to	ADP
gp-41	127	4	males	male	NOUN
gp-41	127	5	with	with	ADP
gp-41	127	6	disability	disability	NOUN
gp-41	127	7	,	,	PUNCT
gp-41	127	8	their	their	PRON
gp-41	127	9	female	female	ADJ
gp-41	127	10	counter	counter	NOUN
gp-41	127	11	parts	part	NOUN
gp-41	127	12	are	be	AUX
gp-41	127	13	less	less	ADV
gp-41	127	14	likely	likely	ADJ
gp-41	127	15	to	to	PART
gp-41	127	16	use	use	VERB
gp-41	127	17	financial	financial	ADJ
gp-41	127	18	services	service	NOUN
gp-41	127	19	,	,	PUNCT
gp-41	127	20	indicating	indicate	VERB
gp-41	127	21	that	that	SCONJ
gp-41	127	22	gender	gender	NOUN
gp-41	127	23	gap	gap	NOUN
gp-41	127	24	also	also	ADV
gp-41	127	25	exists	exist	VERB
gp-41	127	26	among	among	ADP
gp-41	127	27	people	people	NOUN
gp-41	127	28	with	with	ADP
gp-41	127	29	disability	disability	NOUN
gp-41	127	30	.	.	PUNCT
gp-41	128	1	thus	thus	ADV
gp-41	128	2	,	,	PUNCT
gp-41	128	3	being	be	AUX
gp-41	128	4	a	a	DET
gp-41	128	5	female	female	ADJ
gp-41	128	6	reduces	reduce	VERB
gp-41	128	7	the	the	DET
gp-41	128	8	likelihood	likelihood	NOUN
gp-41	128	9	of	of	ADP
gp-41	128	10	using	use	VERB
gp-41	128	11	commercial	commercial	ADJ
gp-41	128	12	banks	bank	NOUN
gp-41	128	13	,	,	PUNCT
gp-41	128	14	rural	rural	ADJ
gp-41	128	15	and	and	CCONJ
gp-41	128	16	community	community	NOUN
gp-41	128	17	banks	bank	NOUN
gp-41	128	18	,	,	PUNCT
gp-41	128	19	and	and	CCONJ
gp-41	128	20	having	have	VERB
gp-41	128	21	at	at	ADV
gp-41	128	22	least	least	ADV
gp-41	128	23	one	one	NUM
gp-41	128	24	financial	financial	ADJ
gp-41	128	25	service	service	NOUN
gp-41	128	26	or	or	CCONJ
gp-41	128	27	product	product	NOUN
gp-41	128	28	by	by	ADP
gp-41	128	29	4.5	4.5	NUM
gp-41	128	30	%	%	NOUN
gp-41	128	31	,	,	PUNCT
gp-41	128	32	6.6	6.6	NUM
gp-41	128	33	%	%	NOUN
gp-41	128	34	,	,	PUNCT
gp-41	128	35	and	and	CCONJ
gp-41	128	36	4.5	4.5	NUM
gp-41	128	37	%	%	NOUN
gp-41	128	38	respectively	respectively	ADV
gp-41	128	39	(	(	PUNCT
gp-41	128	40	table	table	NOUN
gp-41	128	41	3	3	NUM
gp-41	128	42	)	)	PUNCT
gp-41	128	43	,	,	PUNCT
gp-41	128	44	which	which	PRON
gp-41	128	45	is	be	AUX
gp-41	128	46	not	not	PART
gp-41	128	47	the	the	DET
gp-41	128	48	case	case	NOUN
gp-41	128	49	for	for	ADP
gp-41	128	50	mobile	mobile	ADJ
gp-41	128	51	money	money	NOUN
gp-41	128	52	.	.	PUNCT
gp-41	129	1	table	table	NOUN
gp-41	129	2	4	4	NUM
gp-41	129	3	extent	extent	NOUN
gp-41	129	4	of	of	ADP
gp-41	129	5	effect	effect	NOUN
gp-41	129	6	of	of	ADP
gp-41	129	7	disability	disability	NOUN
gp-41	129	8	on	on	ADP
gp-41	129	9	access	access	NOUN
gp-41	129	10	to	to	ADP
gp-41	129	11	financial	financial	ADJ
gp-41	129	12	services	service	NOUN
gp-41	129	13	.	.	PUNCT
gp-41	130	1	comm	comm	NOUN
gp-41	130	2	bank	bank	PROPN
gp-41	130	3	—	—	PUNCT
gp-41	130	4	0.096	0.096	NUM
gp-41	130	5	*	*	NOUN
gp-41	130	6	0.056	0.056	NUM
gp-41	130	7	—	—	PUNCT
gp-41	130	8	0.067	0.067	NUM
gp-41	130	9	0.083	0.083	NUM
gp-41	130	10	—	—	PUNCT
gp-41	130	11	0.011	0.011	NUM
gp-41	130	12	0.039	0.039	NUM
gp-41	130	13	—	—	PUNCT
gp-41	130	14	0.172	0.172	NUM
gp-41	130	15	*	*	SYM
gp-41	130	16	0.091	0.091	NUM
gp-41	130	17	abbreviations	abbreviation	NOUN
gp-41	130	18	:	:	PUNCT
gp-41	130	19	nb	nb	NOUN
gp-41	130	20	:	:	PUNCT
gp-41	130	21	comm	comm	NOUN
gp-41	130	22	bank	bank	NOUN
gp-41	130	23	=	=	NOUN
gp-41	130	24	access	access	NOUN
gp-41	130	25	to	to	ADP
gp-41	130	26	commercial	commercial	ADJ
gp-41	130	27	bank	bank	NOUN
gp-41	130	28	;	;	PUNCT
gp-41	130	29	rcb	rcb	PROPN
gp-41	130	30	=	=	PUNCT
gp-41	130	31	access	access	NOUN
gp-41	130	32	to	to	ADP
gp-41	130	33	rural	rural	ADJ
gp-41	130	34	and	and	CCONJ
gp-41	130	35	community	community	NOUN
gp-41	130	36	bank	bank	NOUN
gp-41	130	37	;	;	PUNCT
gp-41	130	38	at	at	ADP
gp-41	130	39	least	least	ADJ
gp-41	130	40	one	one	NUM
gp-41	130	41	fs	fs	NOUN
gp-41	130	42	=	=	NOUN
gp-41	130	43	access	access	NOUN
gp-41	130	44	to	to	ADP
gp-41	130	45	at	at	ADV
gp-41	130	46	least	least	ADV
gp-41	130	47	one	one	NUM
gp-41	130	48	financial	financial	ADJ
gp-41	130	49	service	service	NOUN
gp-41	130	50	;	;	PUNCT
gp-41	130	51	control	control	NOUN
gp-41	130	52	variables	variable	NOUN
gp-41	130	53	=	=	PUNCT
gp-41	130	54	all	all	DET
gp-41	130	55	control	control	NOUN
gp-41	130	56	variables	variable	NOUN
gp-41	130	57	used	use	VERB
gp-41	130	58	in	in	ADP
gp-41	130	59	the	the	DET
gp-41	130	60	earlier	early	ADJ
gp-41	130	61	estimations	estimation	NOUN
gp-41	130	62	.	.	PUNCT
gp-41	131	1	*	*	PUNCT
gp-41	132	1	*	*	PUNCT
gp-41	132	2	*	*	PUNCT
gp-41	132	3	p	p	X
gp-41	132	4	<	<	X
gp-41	132	5	0.01	0.01	NUM
gp-41	132	6	,	,	PUNCT
gp-41	132	7	*	*	PUNCT
gp-41	132	8	*	*	PUNCT
gp-41	132	9	p	p	X
gp-41	132	10	<	<	X
gp-41	132	11	0.05	0.05	NUM
gp-41	132	12	,	,	PUNCT
gp-41	132	13	*	*	PUNCT
gp-41	132	14	p	p	X
gp-41	132	15	<	<	X
gp-41	132	16	0.1	0.1	NUM
gp-41	132	17	.	.	PUNCT
gp-41	133	1	in	in	ADP
gp-41	133	2	general	general	ADJ
gp-41	133	3	,	,	PUNCT
gp-41	133	4	marital	marital	ADJ
gp-41	133	5	status	status	NOUN
gp-41	133	6	influences	influence	VERB
gp-41	133	7	the	the	DET
gp-41	133	8	use	use	NOUN
gp-41	133	9	of	of	ADP
gp-41	133	10	financial	financial	ADJ
gp-41	133	11	institutions	institution	NOUN
gp-41	133	12	,	,	PUNCT
gp-41	133	13	except	except	SCONJ
gp-41	133	14	for	for	ADP
gp-41	133	15	consensual	consensual	ADJ
gp-41	133	16	habitation	habitation	NOUN
gp-41	133	17	.	.	PUNCT
gp-41	134	1	for	for	ADP
gp-41	134	2	example	example	NOUN
gp-41	134	3	,	,	PUNCT
gp-41	134	4	being	be	AUX
gp-41	134	5	married	married	ADJ
gp-41	134	6	influences	influence	NOUN
gp-41	134	7	having	have	VERB
gp-41	134	8	an	an	DET
gp-41	134	9	account	account	NOUN
gp-41	134	10	with	with	ADP
gp-41	134	11	a	a	DET
gp-41	134	12	traditional	traditional	ADJ
gp-41	134	13	bank	bank	NOUN
gp-41	134	14	,	,	PUNCT
gp-41	134	15	especially	especially	ADV
gp-41	134	16	commercial	commercial	ADJ
gp-41	134	17	banks	bank	NOUN
gp-41	134	18	,	,	PUNCT
gp-41	134	19	and	and	CCONJ
gp-41	134	20	also	also	ADV
gp-41	134	21	enables	enable	VERB
gp-41	134	22	access	access	NOUN
gp-41	134	23	to	to	ADP
gp-41	134	24	at	at	ADV
gp-41	134	25	least	least	ADV
gp-41	134	26	one	one	NUM
gp-41	134	27	financial	financial	ADJ
gp-41	134	28	product	product	NOUN
gp-41	134	29	.	.	PUNCT
gp-41	135	1	among	among	ADP
gp-41	135	2	people	people	NOUN
gp-41	135	3	with	with	ADP
gp-41	135	4	disability	disability	NOUN
gp-41	135	5	,	,	PUNCT
gp-41	135	6	sex	sex	NOUN
gp-41	135	7	matters	matter	NOUN
gp-41	135	8	.	.	PUNCT
gp-41	136	1	in	in	ADP
gp-41	136	2	a	a	DET
gp-41	136	3	study	study	NOUN
gp-41	136	4	by	by	ADP
gp-41	136	5	zins	zin	NOUN
gp-41	136	6	and	and	CCONJ
gp-41	136	7	weil	weil	PROPN
gp-41	136	8	(	(	PUNCT
gp-41	136	9	2016	2016	NUM
gp-41	136	10	)	)	PUNCT
gp-41	136	11	in	in	ADP
gp-41	136	12	india	india	PROPN
gp-41	136	13	,	,	PUNCT
gp-41	136	14	a	a	DET
gp-41	136	15	similar	similar	ADJ
gp-41	136	16	result	result	NOUN
gp-41	136	17	was	be	AUX
gp-41	136	18	obtained	obtain	VERB
gp-41	136	19	that	that	PRON
gp-41	136	20	being	be	AUX
gp-41	136	21	a	a	DET
gp-41	136	22	woman	woman	NOUN
gp-41	136	23	decreases	decrease	VERB
gp-41	136	24	the	the	DET
gp-41	136	25	probability	probability	NOUN
gp-41	136	26	of	of	ADP
gp-41	136	27	having	have	VERB
gp-41	136	28	a	a	DET
gp-41	136	29	mobile	mobile	ADJ
gp-41	136	30	account	account	NOUN
gp-41	136	31	and	and	CCONJ
gp-41	136	32	of	of	ADP
gp-41	136	33	owning	own	VERB
gp-41	136	34	a	a	DET
gp-41	136	35	formal	formal	ADJ
gp-41	136	36	account	account	NOUN
gp-41	136	37	(	(	PUNCT
gp-41	136	38	1.9	1.9	NUM
gp-41	136	39	%	%	NOUN
gp-41	136	40	and	and	CCONJ
gp-41	136	41	1.7	1.7	NUM
gp-41	136	42	%	%	NOUN
gp-41	136	43	,	,	PUNCT
gp-41	136	44	respectively	respectively	ADV
gp-41	136	45	)	)	PUNCT
gp-41	136	46	.	.	PUNCT
gp-41	137	1	location	location	NOUN
gp-41	137	2	matters	matter	VERB
gp-41	137	3	for	for	ADP
gp-41	137	4	the	the	DET
gp-41	137	5	use	use	NOUN
gp-41	137	6	of	of	ADP
gp-41	137	7	financial	financial	ADJ
gp-41	137	8	services	service	NOUN
gp-41	137	9	.	.	PUNCT
gp-41	138	1	in	in	ADP
gp-41	138	2	all	all	DET
gp-41	138	3	the	the	DET
gp-41	138	4	models	model	NOUN
gp-41	138	5	,	,	PUNCT
gp-41	138	6	being	be	AUX
gp-41	138	7	resident	resident	ADJ
gp-41	138	8	in	in	ADP
gp-41	138	9	a	a	DET
gp-41	138	10	rural	rural	ADJ
gp-41	138	11	area	area	NOUN
gp-41	138	12	with	with	ADP
gp-41	138	13	reference	reference	NOUN
gp-41	138	14	to	to	ADP
gp-41	138	15	urban	urban	ADJ
gp-41	138	16	locations	location	NOUN
gp-41	138	17	reduces	reduce	VERB
gp-41	138	18	the	the	DET
gp-41	138	19	likelihood	likelihood	NOUN
gp-41	138	20	of	of	ADP
gp-41	138	21	having	have	VERB
gp-41	138	22	an	an	DET
gp-41	138	23	account	account	NOUN
gp-41	138	24	with	with	ADP
gp-41	138	25	a	a	DET
gp-41	138	26	commercial	commercial	ADJ
gp-41	138	27	bank	bank	NOUN
gp-41	138	28	.	.	PUNCT
gp-41	139	1	this	this	PRON
gp-41	139	2	is	be	AUX
gp-41	139	3	not	not	PART
gp-41	139	4	surprising	surprising	ADJ
gp-41	139	5	because	because	SCONJ
gp-41	139	6	financial	financial	ADJ
gp-41	139	7	institutions	institution	NOUN
gp-41	139	8	are	be	AUX
gp-41	139	9	usually	usually	ADV
gp-41	139	10	located	locate	VERB
gp-41	139	11	in	in	ADP
gp-41	139	12	urban	urban	ADJ
gp-41	139	13	communities	community	NOUN
gp-41	139	14	,	,	PUNCT
gp-41	139	15	so	so	ADV
gp-41	139	16	naturally	naturally	ADV
gp-41	139	17	rural	rural	ADJ
gp-41	139	18	dwellers	dweller	NOUN
gp-41	139	19	are	be	AUX
gp-41	139	20	usually	usually	ADV
gp-41	139	21	excluded	exclude	VERB
gp-41	139	22	from	from	ADP
gp-41	139	23	the	the	DET
gp-41	139	24	use	use	NOUN
gp-41	139	25	of	of	ADP
gp-41	139	26	traditional	traditional	ADJ
gp-41	139	27	commercial	commercial	ADJ
gp-41	139	28	banks	bank	NOUN
gp-41	139	29	.	.	PUNCT
gp-41	140	1	rcb	rcb	PROPN
gp-41	140	2	—	—	PUNCT
gp-41	140	3	0.023	0.023	NUM
gp-41	140	4	0.048	0.048	NUM
gp-41	140	5	0.040	0.040	NUM
gp-41	140	6	0.067	0.067	NUM
gp-41	140	7	—	—	PUNCT
gp-41	140	8	0.029	0.029	NUM
gp-41	140	9	0.03	0.03	NUM
gp-41	140	10	0.0159	0.0159	NUM
gp-41	140	11	*	*	PUNCT
gp-41	140	12	*	*	PUNCT
gp-41	140	13	*	*	X
gp-41	140	14	0,060	0,060	NUM
gp-41	140	15	at	at	ADV
gp-41	140	16	least	least	ADV
gp-41	140	17	one	one	NUM
gp-41	140	18	fs	fs	ADP
gp-41	140	19	0.040	0.040	NUM
gp-41	140	20	0.060	0.060	NUM
gp-41	140	21	0.030	0.030	NUM
gp-41	140	22	0.067	0.067	NUM
gp-41	141	1	yes	yes	INTJ
gp-41	142	1	yes	yes	INTJ
gp-41	143	1	yes	yes	INTJ
gp-41	143	2	yes	yes	INTJ
gp-41	143	3	sight	sight	NOUN
gp-41	143	4	hearing	hearing	NOUN
gp-41	143	5	outcome	outcome	NOUN
gp-41	143	6	variables	variable	NOUN
gp-41	143	7	s	s	PART
gp-41	143	8	e	e	X
gp-41	143	9	se	se	X
gp-41	143	10	se	se	PROPN
gp-41	143	11	se	se	PROPN
gp-41	143	12	american	american	PROPN
gp-41	143	13	journal	journal	PROPN
gp-41	143	14	of	of	ADP
gp-41	143	15	economic	economic	ADJ
gp-41	143	16	and	and	CCONJ
gp-41	143	17	management	management	NOUN
gp-41	143	18	business	business	NOUN
gp-41	143	19	vol	vol	NOUN
gp-41	143	20	.	.	PROPN
gp-41	144	1	2	2	NUM
gp-41	144	2	no	no	NOUN
gp-41	144	3	.	.	NOUN
gp-41	145	1	6	6	NUM
gp-41	145	2	june	june	PROPN
gp-41	145	3	2023	2023	NUM
gp-41	145	4	212	212	NUM
gp-41	145	5	extent	extent	NOUN
gp-41	145	6	of	of	ADP
gp-41	145	7	the	the	DET
gp-41	145	8	effect	effect	NOUN
gp-41	145	9	of	of	ADP
gp-41	145	10	disability	disability	NOUN
gp-41	145	11	on	on	ADP
gp-41	145	12	access	access	NOUN
gp-41	145	13	to	to	ADP
gp-41	145	14	financial	financial	ADJ
gp-41	145	15	services	service	NOUN
gp-41	145	16	we	we	PRON
gp-41	145	17	also	also	ADV
gp-41	145	18	examine	examine	VERB
gp-41	145	19	the	the	DET
gp-41	145	20	extent	extent	NOUN
gp-41	145	21	to	to	PART
gp-41	145	22	which	which	PRON
gp-41	145	23	the	the	DET
gp-41	145	24	various	various	ADJ
gp-41	145	25	dimensions	dimension	NOUN
gp-41	145	26	of	of	ADP
gp-41	145	27	disability	disability	NOUN
gp-41	145	28	status	status	NOUN
gp-41	145	29	affect	affect	VERB
gp-41	145	30	access	access	NOUN
gp-41	145	31	to	to	ADP
gp-41	145	32	financial	financial	ADJ
gp-41	145	33	services	service	NOUN
gp-41	145	34	(	(	PUNCT
gp-41	145	35	see	see	VERB
gp-41	145	36	table	table	NOUN
gp-41	145	37	4	4	NUM
gp-41	145	38	)	)	PUNCT
gp-41	145	39	.	.	PUNCT
gp-41	146	1	some	some	DET
gp-41	146	2	disability	disability	NOUN
gp-41	146	3	types	type	NOUN
gp-41	146	4	present	present	VERB
gp-41	146	5	more	more	ADJ
gp-41	146	6	challenges	challenge	NOUN
gp-41	146	7	than	than	ADP
gp-41	146	8	others	other	NOUN
gp-41	146	9	.	.	PUNCT
gp-41	147	1	people	people	NOUN
gp-41	147	2	with	with	ADP
gp-41	147	3	disabilities	disability	NOUN
gp-41	147	4	constitute	constitute	VERB
gp-41	147	5	diverse	diverse	ADJ
gp-41	147	6	groups	group	NOUN
gp-41	147	7	of	of	ADP
gp-41	147	8	people	people	NOUN
gp-41	147	9	with	with	ADP
gp-41	147	10	a	a	DET
gp-41	147	11	wide	wide	ADJ
gp-41	147	12	range	range	NOUN
gp-41	147	13	of	of	ADP
gp-41	147	14	types	type	NOUN
gp-41	147	15	and	and	CCONJ
gp-41	147	16	severity	severity	NOUN
gp-41	147	17	of	of	ADP
gp-41	147	18	disabilities	disability	NOUN
gp-41	147	19	(	(	PUNCT
gp-41	147	20	morris	morris	PROPN
gp-41	147	21	,	,	PUNCT
gp-41	147	22	2018	2018	NUM
gp-41	147	23	)	)	PUNCT
gp-41	147	24	.	.	PUNCT
gp-41	148	1	in	in	ADP
gp-41	148	2	this	this	DET
gp-41	148	3	study	study	NOUN
gp-41	148	4	,	,	PUNCT
gp-41	148	5	we	we	PRON
gp-41	148	6	group	group	NOUN
gp-41	148	7	disabilities	disability	NOUN
gp-41	148	8	into	into	ADP
gp-41	148	9	hearing	hearing	NOUN
gp-41	148	10	,	,	PUNCT
gp-41	148	11	sight	sight	NOUN
gp-41	148	12	,	,	PUNCT
gp-41	148	13	physical	physical	ADJ
gp-41	148	14	and	and	CCONJ
gp-41	148	15	other	other	ADJ
gp-41	148	16	impairments	impairment	NOUN
gp-41	148	17	.	.	PUNCT
gp-41	149	1	controlling	control	VERB
gp-41	149	2	for	for	ADP
gp-41	149	3	all	all	DET
gp-41	149	4	variables	variable	NOUN
gp-41	149	5	(	(	PUNCT
gp-41	149	6	as	as	ADP
gp-41	149	7	in	in	ADP
gp-41	149	8	tables	table	NOUN
gp-41	149	9	2	2	NUM
gp-41	149	10	and	and	CCONJ
gp-41	149	11	3	3	NUM
gp-41	149	12	)	)	PUNCT
gp-41	149	13	,	,	PUNCT
gp-41	149	14	we	we	PRON
gp-41	149	15	examine	examine	VERB
gp-41	149	16	the	the	DET
gp-41	149	17	extent	extent	NOUN
gp-41	149	18	to	to	PART
gp-41	149	19	which	which	PRON
gp-41	149	20	different	different	ADJ
gp-41	149	21	disability	disability	NOUN
gp-41	149	22	statuses	status	NOUN
gp-41	149	23	affect	affect	VERB
gp-41	149	24	access	access	NOUN
gp-41	149	25	to	to	ADP
gp-41	149	26	financial	financial	ADJ
gp-41	149	27	services	service	NOUN
gp-41	149	28	.	.	PUNCT
gp-41	150	1	in	in	ADP
gp-41	150	2	terms	term	NOUN
gp-41	150	3	of	of	ADP
gp-41	150	4	commercial	commercial	ADJ
gp-41	150	5	banks	bank	NOUN
gp-41	150	6	,	,	PUNCT
gp-41	150	7	people	people	NOUN
gp-41	150	8	with	with	ADP
gp-41	150	9	sight	sight	ADJ
gp-41	150	10	impairment	impairment	NOUN
gp-41	150	11	are	be	AUX
gp-41	150	12	9.6	9.6	NUM
gp-41	150	13	%	%	NOUN
gp-41	150	14	less	less	ADV
gp-41	150	15	likely	likely	ADJ
gp-41	150	16	to	to	PART
gp-41	150	17	access	access	VERB
gp-41	150	18	products	product	NOUN
gp-41	150	19	and	and	CCONJ
gp-41	150	20	services	service	NOUN
gp-41	150	21	,	,	PUNCT
gp-41	150	22	while	while	SCONJ
gp-41	150	23	those	those	PRON
gp-41	150	24	with	with	ADP
gp-41	150	25	other	other	ADJ
gp-41	150	26	disabilities	disability	NOUN
gp-41	150	27	are	be	AUX
gp-41	150	28	17.2	17.2	NUM
gp-41	150	29	%	%	NOUN
gp-41	150	30	less	less	ADV
gp-41	150	31	likely	likely	ADJ
gp-41	150	32	to	to	PART
gp-41	150	33	use	use	VERB
gp-41	150	34	commercial	commercial	ADJ
gp-41	150	35	banks	bank	NOUN
gp-41	150	36	.	.	PUNCT
gp-41	151	1	the	the	DET
gp-41	151	2	extent	extent	NOUN
gp-41	151	3	of	of	ADP
gp-41	151	4	inaccessibility	inaccessibility	NOUN
gp-41	151	5	of	of	ADP
gp-41	151	6	financial	financial	ADJ
gp-41	151	7	services	service	NOUN
gp-41	151	8	is	be	AUX
gp-41	151	9	greater	great	ADJ
gp-41	151	10	for	for	ADP
gp-41	151	11	people	people	NOUN
gp-41	151	12	with	with	ADP
gp-41	151	13	other	other	ADJ
gp-41	151	14	forms	form	NOUN
gp-41	151	15	of	of	ADP
gp-41	151	16	disability	disability	NOUN
gp-41	151	17	compared	compare	VERB
gp-41	151	18	with	with	ADP
gp-41	151	19	those	those	PRON
gp-41	151	20	with	with	ADP
gp-41	151	21	sight	sight	NOUN
gp-41	151	22	,	,	PUNCT
gp-41	151	23	hearing	hearing	NOUN
gp-41	151	24	and	and	CCONJ
gp-41	151	25	physical	physical	ADJ
gp-41	151	26	challenges	challenge	NOUN
gp-41	151	27	.	.	PUNCT
gp-41	152	1	people	people	NOUN
gp-41	152	2	with	with	ADP
gp-41	152	3	disability	disability	NOUN
gp-41	152	4	related	relate	VERB
gp-41	152	5	to	to	ADP
gp-41	152	6	sight	sight	NOUN
gp-41	152	7	and	and	CCONJ
gp-41	152	8	hearing	hearing	NOUN
gp-41	152	9	mostly	mostly	ADV
gp-41	152	10	are	be	AUX
gp-41	152	11	capable	capable	ADJ
gp-41	152	12	of	of	ADP
gp-41	152	13	reading	reading	NOUN
gp-41	152	14	and	and	CCONJ
gp-41	152	15	writing	writing	NOUN
gp-41	152	16	.	.	PUNCT
gp-41	153	1	accessing	access	VERB
gp-41	153	2	of	of	ADP
gp-41	153	3	formal	formal	ADJ
gp-41	153	4	financial	financial	ADJ
gp-41	153	5	services	service	NOUN
gp-41	153	6	is	be	AUX
gp-41	153	7	mostly	mostly	ADV
gp-41	153	8	based	base	VERB
gp-41	153	9	on	on	ADP
gp-41	153	10	one	one	NUM
gp-41	153	11	's	's	PART
gp-41	153	12	ability	ability	NOUN
gp-41	153	13	to	to	PART
gp-41	153	14	read	read	VERB
gp-41	153	15	and	and	CCONJ
gp-41	153	16	write	write	VERB
gp-41	153	17	mersland	mersland	PROPN
gp-41	153	18	et	et	PROPN
gp-41	153	19	al	al	PROPN
gp-41	153	20	.	.	PROPN
gp-41	153	21	,	,	PUNCT
gp-41	153	22	(	(	PUNCT
gp-41	153	23	2009	2009	NUM
gp-41	153	24	)	)	PUNCT
gp-41	153	25	,	,	PUNCT
gp-41	153	26	hence	hence	ADV
gp-41	153	27	it	it	PRON
gp-41	153	28	is	be	AUX
gp-41	153	29	not	not	PART
gp-41	153	30	surprising	surprising	ADJ
gp-41	153	31	that	that	SCONJ
gp-41	153	32	people	people	NOUN
gp-41	153	33	with	with	ADP
gp-41	153	34	sightand	sightand	NOUN
gp-41	153	35	hearing	hearing	NOUN
gp-41	153	36	-	-	PUNCT
gp-41	153	37	related	relate	VERB
gp-41	153	38	disabilities	disability	NOUN
gp-41	153	39	have	have	VERB
gp-41	153	40	higher	high	ADJ
gp-41	153	41	chances	chance	NOUN
gp-41	153	42	of	of	ADP
gp-41	153	43	accessing	access	VERB
gp-41	153	44	financial	financial	ADJ
gp-41	153	45	services	service	NOUN
gp-41	153	46	and	and	CCONJ
gp-41	153	47	products	product	NOUN
gp-41	153	48	compared	compare	VERB
gp-41	153	49	with	with	ADP
gp-41	153	50	the	the	DET
gp-41	153	51	other	other	ADJ
gp-41	153	52	forms	form	NOUN
gp-41	153	53	.	.	PUNCT
gp-41	154	1	other	other	ADJ
gp-41	154	2	forms	form	NOUN
gp-41	154	3	of	of	ADP
gp-41	154	4	disabilities	disability	NOUN
gp-41	154	5	include	include	VERB
gp-41	154	6	people	people	NOUN
gp-41	154	7	with	with	ADP
gp-41	154	8	severe	severe	ADJ
gp-41	154	9	impairments	impairment	NOUN
gp-41	154	10	such	such	ADJ
gp-41	154	11	as	as	ADP
gp-41	154	12	deaf	deaf	ADJ
gp-41	154	13	and	and	CCONJ
gp-41	154	14	dumb	dumb	ADJ
gp-41	154	15	,	,	PUNCT
gp-41	154	16	visual	visual	ADJ
gp-41	154	17	and	and	CCONJ
gp-41	154	18	cripple	cripple	PROPN
gp-41	154	19	,	,	PUNCT
gp-41	154	20	among	among	ADP
gp-41	154	21	others	other	NOUN
gp-41	154	22	.	.	PUNCT
gp-41	155	1	in	in	ADP
gp-41	155	2	terms	term	NOUN
gp-41	155	3	of	of	ADP
gp-41	155	4	access	access	NOUN
gp-41	155	5	to	to	ADP
gp-41	155	6	at	at	ADV
gp-41	155	7	least	least	ADV
gp-41	155	8	one	one	NUM
gp-41	155	9	financial	financial	ADJ
gp-41	155	10	service	service	NOUN
gp-41	155	11	,	,	PUNCT
gp-41	155	12	the	the	DET
gp-41	155	13	disability	disability	NOUN
gp-41	155	14	status	status	NOUN
gp-41	155	15	does	do	AUX
gp-41	155	16	not	not	PART
gp-41	155	17	matter	matter	VERB
gp-41	155	18	since	since	SCONJ
gp-41	155	19	we	we	PRON
gp-41	155	20	found	find	VERB
gp-41	155	21	no	no	DET
gp-41	155	22	statistically	statistically	ADV
gp-41	155	23	significant	significant	ADJ
gp-41	155	24	coefficient	coefficient	NOUN
gp-41	155	25	.	.	PUNCT
gp-41	156	1	conclusion	conclusion	NOUN
gp-41	156	2	this	this	DET
gp-41	156	3	paper	paper	NOUN
gp-41	156	4	examined	examine	VERB
gp-41	156	5	access	access	NOUN
gp-41	156	6	to	to	ADP
gp-41	156	7	financial	financial	ADJ
gp-41	156	8	services	service	NOUN
gp-41	156	9	among	among	ADP
gp-41	156	10	pwds	pwds	NOUN
gp-41	156	11	using	use	VERB
gp-41	156	12	national	national	ADJ
gp-41	156	13	representative	representative	ADJ
gp-41	156	14	data	datum	NOUN
gp-41	156	15	from	from	ADP
gp-41	156	16	odisha	odisha	PROPN
gp-41	156	17	.	.	PUNCT
gp-41	157	1	in	in	ADP
gp-41	157	2	terms	term	NOUN
gp-41	157	3	of	of	ADP
gp-41	157	4	usage	usage	NOUN
gp-41	157	5	of	of	ADP
gp-41	157	6	financial	financial	ADJ
gp-41	157	7	services	service	NOUN
gp-41	157	8	,	,	PUNCT
gp-41	157	9	the	the	DET
gp-41	157	10	proportion	proportion	NOUN
gp-41	157	11	of	of	ADP
gp-41	157	12	people	people	NOUN
gp-41	157	13	without	without	ADP
gp-41	157	14	disability	disability	NOUN
gp-41	157	15	is	be	AUX
gp-41	157	16	higher	high	ADJ
gp-41	157	17	than	than	ADP
gp-41	157	18	those	those	PRON
gp-41	157	19	with	with	ADP
gp-41	157	20	disability	disability	NOUN
gp-41	157	21	.	.	PUNCT
gp-41	158	1	with	with	ADP
gp-41	158	2	mobile	mobile	ADJ
gp-41	158	3	money	money	NOUN
gp-41	158	4	,	,	PUNCT
gp-41	158	5	the	the	DET
gp-41	158	6	likelihood	likelihood	NOUN
gp-41	158	7	of	of	ADP
gp-41	158	8	having	have	VERB
gp-41	158	9	access	access	NOUN
gp-41	158	10	to	to	ADP
gp-41	158	11	finances	finance	NOUN
gp-41	158	12	and	and	CCONJ
gp-41	158	13	using	use	VERB
gp-41	158	14	any	any	PRON
gp-41	158	15	of	of	ADP
gp-41	158	16	the	the	DET
gp-41	158	17	financial	financial	ADJ
gp-41	158	18	institutions	institution	NOUN
gp-41	158	19	or	or	CCONJ
gp-41	158	20	having	have	VERB
gp-41	158	21	at	at	ADV
gp-41	158	22	least	least	ADV
gp-41	158	23	one	one	NUM
gp-41	158	24	product	product	NOUN
gp-41	158	25	/	/	SYM
gp-41	158	26	service	service	NOUN
gp-41	158	27	with	with	ADP
gp-41	158	28	a	a	DET
gp-41	158	29	bank	bank	NOUN
gp-41	158	30	reduces	reduce	VERB
gp-41	158	31	for	for	ADP
gp-41	158	32	people	people	NOUN
gp-41	158	33	with	with	ADP
gp-41	158	34	disability	disability	NOUN
gp-41	158	35	.	.	PUNCT
gp-41	159	1	however	however	ADV
gp-41	159	2	,	,	PUNCT
gp-41	159	3	our	our	PRON
gp-41	159	4	findings	finding	NOUN
gp-41	159	5	established	establish	VERB
gp-41	159	6	that	that	PRON
gp-41	159	7	disability	disability	NOUN
gp-41	159	8	status	status	NOUN
gp-41	159	9	does	do	AUX
gp-41	159	10	not	not	PART
gp-41	159	11	reduce	reduce	VERB
gp-41	159	12	the	the	DET
gp-41	159	13	likelihood	likelihood	NOUN
gp-41	159	14	of	of	ADP
gp-41	159	15	using	use	VERB
gp-41	159	16	mobile	mobile	ADJ
gp-41	159	17	money	money	NOUN
gp-41	159	18	.	.	PUNCT
gp-41	160	1	thus	thus	ADV
gp-41	160	2	,	,	PUNCT
gp-41	160	3	in	in	ADP
gp-41	160	4	this	this	DET
gp-41	160	5	study	study	NOUN
gp-41	160	6	,	,	PUNCT
gp-41	160	7	we	we	PRON
gp-41	160	8	conclude	conclude	VERB
gp-41	160	9	that	that	PRON
gp-41	160	10	to	to	ADP
gp-41	160	11	a	a	DET
gp-41	160	12	large	large	ADJ
gp-41	160	13	extent	extent	NOUN
gp-41	160	14	,	,	PUNCT
gp-41	160	15	mobile	mobile	ADJ
gp-41	160	16	money	money	NOUN
gp-41	160	17	acts	act	VERB
gp-41	160	18	as	as	ADP
gp-41	160	19	a	a	DET
gp-41	160	20	substitute	substitute	NOUN
gp-41	160	21	for	for	ADP
gp-41	160	22	standard	standard	ADJ
gp-41	160	23	banking	banking	NOUN
gp-41	160	24	services	service	NOUN
gp-41	160	25	by	by	ADP
gp-41	160	26	increasing	increase	VERB
gp-41	160	27	the	the	DET
gp-41	160	28	probability	probability	NOUN
gp-41	160	29	to	to	PART
gp-41	160	30	send	send	VERB
gp-41	160	31	and	and	CCONJ
gp-41	160	32	receive	receive	VERB
gp-41	160	33	money	money	NOUN
gp-41	160	34	among	among	ADP
gp-41	160	35	people	people	NOUN
gp-41	160	36	living	live	VERB
gp-41	160	37	with	with	ADP
gp-41	160	38	disability	disability	NOUN
gp-41	160	39	.	.	PUNCT
gp-41	161	1	we	we	PRON
gp-41	161	2	also	also	ADV
gp-41	161	3	find	find	VERB
gp-41	161	4	that	that	SCONJ
gp-41	161	5	mobile	mobile	ADJ
gp-41	161	6	money	money	NOUN
gp-41	161	7	services	service	NOUN
gp-41	161	8	could	could	AUX
gp-41	161	9	be	be	AUX
gp-41	161	10	used	use	VERB
gp-41	161	11	to	to	PART
gp-41	161	12	enhance	enhance	VERB
gp-41	161	13	the	the	DET
gp-41	161	14	financial	financial	ADJ
gp-41	161	15	capability	capability	NOUN
gp-41	161	16	of	of	ADP
gp-41	161	17	pwd	pwd	NOUN
gp-41	161	18	,	,	PUNCT
gp-41	161	19	especially	especially	ADV
gp-41	161	20	in	in	ADP
gp-41	161	21	rural	rural	ADJ
gp-41	161	22	areas	area	NOUN
gp-41	161	23	.	.	PUNCT
gp-41	162	1	the	the	DET
gp-41	162	2	extent	extent	NOUN
gp-41	162	3	of	of	ADP
gp-41	162	4	the	the	DET
gp-41	162	5	effect	effect	NOUN
gp-41	162	6	of	of	ADP
gp-41	162	7	disability	disability	NOUN
gp-41	162	8	on	on	ADP
gp-41	162	9	access	access	NOUN
gp-41	162	10	to	to	ADP
gp-41	162	11	financial	financial	ADJ
gp-41	162	12	services	service	NOUN
gp-41	162	13	is	be	AUX
gp-41	162	14	greater	great	ADJ
gp-41	162	15	for	for	ADP
gp-41	162	16	people	people	NOUN
gp-41	162	17	with	with	ADP
gp-41	162	18	certain	certain	ADJ
gp-41	162	19	forms	form	NOUN
gp-41	162	20	(	(	PUNCT
gp-41	162	21	emotional	emotional	ADJ
gp-41	162	22	and	and	CCONJ
gp-41	162	23	intellectual	intellectual	ADJ
gp-41	162	24	disability	disability	NOUN
gp-41	162	25	)	)	PUNCT
gp-41	162	26	of	of	ADP
gp-41	162	27	disability	disability	NOUN
gp-41	162	28	compared	compare	VERB
gp-41	162	29	with	with	ADP
gp-41	162	30	those	those	PRON
gp-41	162	31	with	with	ADP
gp-41	162	32	sight	sight	NOUN
gp-41	162	33	,	,	PUNCT
gp-41	162	34	hearing	hearing	NOUN
gp-41	162	35	and	and	CCONJ
gp-41	162	36	physical	physical	ADJ
gp-41	162	37	challenges	challenge	NOUN
gp-41	162	38	.	.	PUNCT
gp-41	163	1	even	even	ADV
gp-41	163	2	though	though	SCONJ
gp-41	163	3	the	the	DET
gp-41	163	4	likelihood	likelihood	NOUN
gp-41	163	5	of	of	ADP
gp-41	163	6	participating	participate	VERB
gp-41	163	7	in	in	ADP
gp-41	163	8	the	the	DET
gp-41	163	9	traditional	traditional	ADJ
gp-41	163	10	banking	banking	NOUN
gp-41	163	11	financial	financial	ADJ
gp-41	163	12	market	market	NOUN
gp-41	163	13	reduces	reduce	VERB
gp-41	163	14	for	for	ADP
gp-41	163	15	pwd	pwd	NOUN
gp-41	163	16	,	,	PUNCT
gp-41	163	17	the	the	DET
gp-41	163	18	need	need	NOUN
gp-41	163	19	for	for	ADP
gp-41	163	20	policies	policy	NOUN
gp-41	163	21	that	that	PRON
gp-41	163	22	target	target	VERB
gp-41	163	23	these	these	DET
gp-41	163	24	groups	group	NOUN
gp-41	163	25	of	of	ADP
gp-41	163	26	the	the	DET
gp-41	163	27	population	population	NOUN
gp-41	163	28	,	,	PUNCT
gp-41	163	29	particularly	particularly	ADV
gp-41	163	30	those	those	PRON
gp-41	163	31	that	that	PRON
gp-41	163	32	are	be	AUX
gp-41	163	33	financially	financially	ADV
gp-41	163	34	excluded	exclude	VERB
gp-41	163	35	,	,	PUNCT
gp-41	163	36	and	and	CCONJ
gp-41	163	37	identify	identify	VERB
gp-41	163	38	the	the	DET
gp-41	163	39	main	main	ADJ
gp-41	163	40	obstacles	obstacle	NOUN
gp-41	163	41	they	they	PRON
gp-41	163	42	face	face	VERB
gp-41	163	43	is	be	AUX
gp-41	163	44	crucial	crucial	ADJ
gp-41	163	45	.	.	PUNCT
gp-41	164	1	this	this	DET
gp-41	164	2	study	study	NOUN
gp-41	164	3	recommends	recommend	VERB
gp-41	164	4	an	an	DET
gp-41	164	5	affirmative	affirmative	ADJ
gp-41	164	6	approach	approach	NOUN
gp-41	164	7	to	to	PART
gp-41	164	8	support	support	VERB
gp-41	164	9	the	the	DET
gp-41	164	10	participation	participation	NOUN
gp-41	164	11	of	of	ADP
gp-41	164	12	persons	person	NOUN
gp-41	164	13	with	with	ADP
gp-41	164	14	disabilities	disability	NOUN
gp-41	164	15	in	in	ADP
gp-41	164	16	financial	financial	ADJ
gp-41	164	17	services	service	NOUN
gp-41	164	18	.	.	PUNCT
gp-41	165	1	thus	thus	ADV
gp-41	165	2	,	,	PUNCT
gp-41	165	3	priorities	priority	NOUN
gp-41	165	4	should	should	AUX
gp-41	165	5	be	be	AUX
gp-41	165	6	given	give	VERB
gp-41	165	7	to	to	ADP
gp-41	165	8	pwds	pwds	NOUN
gp-41	165	9	in	in	ADP
gp-41	165	10	financial	financial	ADJ
gp-41	165	11	services	service	NOUN
gp-41	165	12	.	.	PUNCT
gp-41	166	1	the	the	DET
gp-41	166	2	financial	financial	ADJ
gp-41	166	3	services	service	NOUN
gp-41	166	4	industry	industry	NOUN
gp-41	166	5	should	should	AUX
gp-41	166	6	give	give	VERB
gp-41	166	7	employment	employment	NOUN
gp-41	166	8	to	to	ADP
gp-41	166	9	pwds	pwds	NOUN
gp-41	166	10	and	and	CCONJ
gp-41	166	11	implement	implement	VERB
gp-41	166	12	assistive	assistive	ADJ
gp-41	166	13	technologies	technology	NOUN
gp-41	166	14	such	such	ADJ
gp-41	166	15	as	as	ADP
gp-41	166	16	braille	braille	NOUN
gp-41	166	17	readers	reader	NOUN
gp-41	166	18	and	and	CCONJ
gp-41	166	19	alternative	alternative	ADJ
gp-41	166	20	and	and	CCONJ
gp-41	166	21	augmentative	augmentative	ADJ
gp-41	166	22	communication	communication	NOUN
gp-41	166	23	devices	device	NOUN
gp-41	166	24	.	.	PUNCT
gp-41	167	1	indeed	indeed	ADV
gp-41	167	2	,	,	PUNCT
gp-41	167	3	financial	financial	ADJ
gp-41	167	4	institutions	institution	NOUN
gp-41	167	5	should	should	AUX
gp-41	167	6	include	include	VERB
gp-41	167	7	pwds	pwd	NOUN
gp-41	167	8	when	when	SCONJ
gp-41	167	9	making	make	VERB
gp-41	167	10	discussions	discussion	NOUN
gp-41	167	11	relating	relate	VERB
gp-41	167	12	to	to	ADP
gp-41	167	13	expanding	expand	VERB
gp-41	167	14	and	and	CCONJ
gp-41	167	15	strengthening	strengthen	VERB
gp-41	167	16	financial	financial	ADJ
gp-41	167	17	independence	independence	NOUN
gp-41	167	18	.	.	PUNCT
gp-41	168	1	there	there	PRON
gp-41	168	2	is	be	VERB
gp-41	168	3	also	also	ADV
gp-41	168	4	the	the	DET
gp-41	168	5	need	need	NOUN
gp-41	168	6	to	to	PART
gp-41	168	7	make	make	VERB
gp-41	168	8	smart	smart	ADJ
gp-41	168	9	phones	phone	NOUN
gp-41	168	10	more	more	ADV
gp-41	168	11	affordable	affordable	ADJ
gp-41	168	12	for	for	ADP
gp-41	168	13	persons	person	NOUN
gp-41	168	14	kabya	kabya	PROPN
gp-41	168	15	sambad	sambad	NOUN
gp-41	168	16	,	,	PUNCT
gp-41	168	17	ashis	ashis	PROPN
gp-41	168	18	kumar	kumar	PROPN
gp-41	168	19	samal	samal	PROPN
gp-41	168	20	213	213	NUM
gp-41	168	21	with	with	ADP
gp-41	168	22	disabilities	disability	NOUN
gp-41	168	23	to	to	PART
gp-41	168	24	tackle	tackle	VERB
gp-41	168	25	significant	significant	ADJ
gp-41	168	26	barriers	barrier	NOUN
gp-41	168	27	,	,	PUNCT
gp-41	168	28	as	as	ADP
gp-41	168	29	would	would	AUX
gp-41	168	30	providing	provide	VERB
gp-41	168	31	digital	digital	ADJ
gp-41	168	32	skills	skill	NOUN
gp-41	168	33	training	training	NOUN
gp-41	168	34	designed	design	VERB
gp-41	168	35	to	to	PART
gp-41	168	36	support	support	VERB
gp-41	168	37	the	the	DET
gp-41	168	38	learning	learn	VERB
gp-41	168	39	journey	journey	NOUN
gp-41	168	40	of	of	ADP
gp-41	168	41	persons	person	NOUN
gp-41	168	42	with	with	ADP
gp-41	168	43	different	different	ADJ
gp-41	168	44	types	type	NOUN
gp-41	168	45	of	of	ADP
gp-41	168	46	disabilities	disability	NOUN
gp-41	168	47	.	.	PUNCT
gp-41	169	1	again	again	ADV
gp-41	169	2	,	,	PUNCT
gp-41	169	3	as	as	ADP
gp-41	169	4	part	part	NOUN
gp-41	169	5	of	of	ADP
gp-41	169	6	the	the	DET
gp-41	169	7	monthly	monthly	ADJ
gp-41	169	8	transfer	transfer	NOUN
gp-41	169	9	payment	payment	NOUN
gp-41	169	10	made	make	VERB
gp-41	169	11	by	by	ADP
gp-41	169	12	the	the	DET
gp-41	169	13	government	government	NOUN
gp-41	169	14	to	to	ADP
gp-41	169	15	pwds	pwds	NOUN
gp-41	169	16	,	,	PUNCT
gp-41	169	17	onetime	onetime	ADJ
gp-41	169	18	mobile	mobile	ADJ
gp-41	169	19	phones	phone	NOUN
gp-41	169	20	can	can	AUX
gp-41	169	21	be	be	AUX
gp-41	169	22	provided	provide	VERB
gp-41	169	23	,	,	PUNCT
gp-41	169	24	especially	especially	ADV
gp-41	169	25	to	to	ADP
gp-41	169	26	those	those	PRON
gp-41	169	27	who	who	PRON
gp-41	169	28	do	do	AUX
gp-41	169	29	not	not	PART
gp-41	169	30	have	have	VERB
gp-41	169	31	one	one	NUM
gp-41	169	32	references	reference	NOUN
gp-41	169	33	anastasiou	anastasiou	NOUN
gp-41	169	34	,	,	PUNCT
gp-41	169	35	d.	d.	PROPN
gp-41	169	36	,	,	PUNCT
gp-41	169	37	&	&	CCONJ
gp-41	169	38	kauffman	kauffman	PROPN
gp-41	169	39	,	,	PUNCT
gp-41	169	40	j.	j.	PROPN
gp-41	169	41	m.	m.	PROPN
gp-41	169	42	(	(	PUNCT
gp-41	169	43	2013	2013	NUM
gp-41	169	44	)	)	PUNCT
gp-41	169	45	.	.	PUNCT
gp-41	170	1	the	the	DET
gp-41	170	2	social	social	ADJ
gp-41	170	3	model	model	NOUN
gp-41	170	4	of	of	ADP
gp-41	170	5	disability	disability	NOUN
gp-41	170	6	:	:	PUNCT
gp-41	170	7	dichotomy	dichotomy	NOUN
gp-41	170	8	between	between	ADP
gp-41	170	9	impairment	impairment	NOUN
gp-41	170	10	and	and	CCONJ
gp-41	170	11	disability	disability	NOUN
gp-41	170	12	.	.	PUNCT
gp-41	171	1	the	the	DET
gp-41	171	2	journal	journal	NOUN
gp-41	171	3	of	of	ADP
gp-41	171	4	medicine	medicine	NOUN
gp-41	171	5	and	and	CCONJ
gp-41	171	6	philosophy	philosophy	NOUN
gp-41	171	7	:	:	PUNCT
gp-41	171	8	a	a	DET
gp-41	171	9	forum	forum	NOUN
gp-41	171	10	for	for	ADP
gp-41	171	11	bioethics	bioethics	NOUN
gp-41	171	12	and	and	CCONJ
gp-41	171	13	philosophy	philosophy	NOUN
gp-41	171	14	of	of	ADP
gp-41	171	15	medicine	medicine	NOUN
gp-41	171	16	,	,	PUNCT
gp-41	171	17	38(4	38(4	NUM
gp-41	171	18	)	)	PUNCT
gp-41	171	19	,	,	PUNCT
gp-41	171	20	441–459	441–459	NUM
gp-41	171	21	.	.	PUNCT
gp-41	172	1	armendariz	armendariz	PROPN
gp-41	172	2	,	,	PUNCT
gp-41	172	3	b.	b.	PROPN
gp-41	172	4	,	,	PUNCT
gp-41	172	5	&	&	CCONJ
gp-41	172	6	labie	labie	PROPN
gp-41	172	7	,	,	PUNCT
gp-41	172	8	m.	m.	NOUN
gp-41	172	9	(	(	PUNCT
gp-41	172	10	2011	2011	NUM
gp-41	172	11	)	)	PUNCT
gp-41	172	12	.	.	PUNCT
gp-41	173	1	the	the	DET
gp-41	173	2	handbook	handbook	NOUN
gp-41	173	3	of	of	ADP
gp-41	173	4	microfinance	microfinance	NOUN
gp-41	173	5	.	.	PUNCT
gp-41	174	1	world	world	NOUN
gp-41	174	2	scientific	scientific	PROPN
gp-41	174	3	.	.	PUNCT
gp-41	175	1	david	david	PROPN
gp-41	175	2	-	-	PUNCT
gp-41	175	3	west	west	PROPN
gp-41	175	4	,	,	PUNCT
gp-41	175	5	o.	o.	PROPN
gp-41	175	6	,	,	PUNCT
gp-41	175	7	iheanachor	iheanachor	NOUN
gp-41	175	8	,	,	PUNCT
gp-41	175	9	n.	n.	NOUN
gp-41	175	10	,	,	PUNCT
gp-41	175	11	&	&	CCONJ
gp-41	175	12	kelikume	kelikume	PROPN
gp-41	175	13	,	,	PUNCT
gp-41	175	14	i.	i.	PROPN
gp-41	175	15	(	(	PUNCT
gp-41	175	16	2018	2018	NUM
gp-41	175	17	)	)	PUNCT
gp-41	175	18	.	.	PUNCT
gp-41	176	1	a	a	DET
gp-41	176	2	resource	resource	NOUN
gp-41	176	3	-	-	PUNCT
gp-41	176	4	based	base	VERB
gp-41	176	5	view	view	NOUN
gp-41	176	6	of	of	ADP
gp-41	176	7	digital	digital	ADJ
gp-41	176	8	financial	financial	ADJ
gp-41	176	9	services	service	NOUN
gp-41	176	10	(	(	PUNCT
gp-41	176	11	dfs	dfs	PROPN
gp-41	176	12	):	):	PUNCT
gp-41	176	13	an	an	DET
gp-41	176	14	exploratory	exploratory	ADJ
gp-41	176	15	study	study	NOUN
gp-41	176	16	of	of	ADP
gp-41	176	17	nigerian	nigerian	ADJ
gp-41	176	18	providers	provider	NOUN
gp-41	176	19	.	.	PUNCT
gp-41	177	1	journal	journal	PROPN
gp-41	177	2	of	of	ADP
gp-41	177	3	business	business	NOUN
gp-41	177	4	research	research	NOUN
gp-41	177	5	,	,	PUNCT
gp-41	177	6	88	88	NUM
gp-41	177	7	,	,	PUNCT
gp-41	177	8	513–526	513–526	NUM
gp-41	177	9	.	.	PUNCT
gp-41	178	1	goodman	goodman	PROPN
gp-41	178	2	,	,	PUNCT
gp-41	178	3	n.	n.	PROPN
gp-41	178	4	,	,	PUNCT
gp-41	178	5	morris	morris	PROPN
gp-41	178	6	,	,	PUNCT
gp-41	178	7	m.	m.	NOUN
gp-41	178	8	,	,	PUNCT
gp-41	178	9	&	&	CCONJ
gp-41	178	10	boston	boston	PROPN
gp-41	178	11	,	,	PUNCT
gp-41	178	12	k.	k.	PROPN
gp-41	178	13	(	(	PUNCT
gp-41	178	14	2017	2017	NUM
gp-41	178	15	)	)	PUNCT
gp-41	178	16	.	.	PUNCT
gp-41	179	1	national	national	PROPN
gp-41	179	2	disability	disability	PROPN
gp-41	179	3	institute	institute	PROPN
gp-41	179	4	.	.	PUNCT
gp-41	180	1	financial	financial	ADJ
gp-41	180	2	inequality	inequality	NOUN
gp-41	180	3	:	:	PUNCT
gp-41	180	4	disability	disability	NOUN
gp-41	180	5	,	,	PUNCT
gp-41	180	6	race	race	NOUN
gp-41	180	7	and	and	CCONJ
gp-41	180	8	poverty	poverty	NOUN
gp-41	180	9	in	in	ADP
gp-41	180	10	america	america	PROPN
gp-41	180	11	.	.	PUNCT
gp-41	181	1	hák	hák	PROPN
gp-41	181	2	,	,	PUNCT
gp-41	181	3	t.	t.	PROPN
gp-41	181	4	,	,	PUNCT
gp-41	181	5	janoušková	janoušková	PROPN
gp-41	181	6	,	,	PUNCT
gp-41	181	7	s.	s.	PROPN
gp-41	181	8	,	,	PUNCT
gp-41	181	9	&	&	CCONJ
gp-41	181	10	moldan	moldan	PROPN
gp-41	181	11	,	,	PUNCT
gp-41	181	12	b.	b.	PROPN
gp-41	181	13	(	(	PUNCT
gp-41	181	14	2016	2016	NUM
gp-41	181	15	)	)	PUNCT
gp-41	181	16	.	.	PUNCT
gp-41	182	1	sustainable	sustainable	ADJ
gp-41	182	2	development	development	NOUN
gp-41	182	3	goals	goal	NOUN
gp-41	182	4	:	:	PUNCT
gp-41	182	5	a	a	DET
gp-41	182	6	need	need	NOUN
gp-41	182	7	for	for	ADP
gp-41	182	8	relevant	relevant	ADJ
gp-41	182	9	indicators	indicator	NOUN
gp-41	182	10	.	.	PUNCT
gp-41	183	1	ecological	ecological	ADJ
gp-41	183	2	indicators	indicator	NOUN
gp-41	183	3	,	,	PUNCT
gp-41	183	4	60	60	NUM
gp-41	183	5	,	,	PUNCT
gp-41	183	6	565–573	565–573	NUM
gp-41	183	7	.	.	PUNCT
gp-41	184	1	lockwood	lockwood	PROPN
gp-41	184	2	,	,	PUNCT
gp-41	184	3	e.	e.	PROPN
gp-41	184	4	,	,	PUNCT
gp-41	184	5	&	&	CCONJ
gp-41	184	6	tardi	tardi	PROPN
gp-41	184	7	,	,	PUNCT
gp-41	184	8	r.	r.	PROPN
gp-41	184	9	(	(	PUNCT
gp-41	184	10	2014	2014	NUM
gp-41	184	11	)	)	PUNCT
gp-41	184	12	.	.	PUNCT
gp-41	185	1	the	the	DET
gp-41	185	2	inclusion	inclusion	NOUN
gp-41	185	3	of	of	ADP
gp-41	185	4	persons	person	NOUN
gp-41	185	5	with	with	ADP
gp-41	185	6	disabilities	disability	NOUN
gp-41	185	7	in	in	ADP
gp-41	185	8	the	the	DET
gp-41	185	9	implementation	implementation	NOUN
gp-41	185	10	of	of	ADP
gp-41	185	11	the	the	DET
gp-41	185	12	2030	2030	NUM
gp-41	185	13	agenda	agenda	NOUN
gp-41	185	14	for	for	ADP
gp-41	185	15	sustainable	sustainable	ADJ
gp-41	185	16	development	development	NOUN
gp-41	185	17	.	.	PUNCT
gp-41	186	1	development	development	NOUN
gp-41	186	2	,	,	PUNCT
gp-41	186	3	57(3–4	57(3–4	NUM
gp-41	186	4	)	)	PUNCT
gp-41	186	5	,	,	PUNCT
gp-41	186	6	433–437	433–437	NUM
gp-41	186	7	.	.	PUNCT
gp-41	187	1	mactaggart	mactaggart	PROPN
gp-41	187	2	,	,	PUNCT
gp-41	187	3	i.	i.	NOUN
gp-41	187	4	,	,	PUNCT
gp-41	187	5	banks	bank	NOUN
gp-41	187	6	,	,	PUNCT
gp-41	187	7	l.	l.	PROPN
gp-41	187	8	m.	m.	PROPN
gp-41	187	9	,	,	PUNCT
gp-41	187	10	kuper	kuper	PROPN
gp-41	187	11	,	,	PUNCT
gp-41	187	12	h.	h.	PROPN
gp-41	187	13	,	,	PUNCT
gp-41	187	14	murthy	murthy	PROPN
gp-41	187	15	,	,	PUNCT
gp-41	187	16	g.	g.	PROPN
gp-41	187	17	v.	v.	PROPN
gp-41	187	18	s.	s.	PROPN
gp-41	187	19	,	,	PUNCT
gp-41	187	20	sagar	sagar	PROPN
gp-41	187	21	,	,	PUNCT
gp-41	187	22	j.	j.	PROPN
gp-41	187	23	,	,	PUNCT
gp-41	187	24	oye	oye	PROPN
gp-41	187	25	,	,	PUNCT
gp-41	187	26	j.	j.	PROPN
gp-41	187	27	,	,	PUNCT
gp-41	187	28	&	&	CCONJ
gp-41	187	29	polack	polack	PROPN
gp-41	187	30	,	,	PUNCT
gp-41	187	31	s.	s.	PROPN
gp-41	187	32	(	(	PUNCT
gp-41	187	33	2018	2018	NUM
gp-41	187	34	)	)	PUNCT
gp-41	187	35	.	.	PUNCT
gp-41	188	1	livelihood	livelihood	PROPN
gp-41	188	2	opportunities	opportunity	NOUN
gp-41	188	3	amongst	amongst	ADP
gp-41	188	4	adults	adult	NOUN
gp-41	188	5	with	with	ADP
gp-41	188	6	and	and	CCONJ
gp-41	188	7	without	without	ADP
gp-41	188	8	disabilities	disability	NOUN
gp-41	188	9	in	in	ADP
gp-41	188	10	cameroon	cameroon	PROPN
gp-41	188	11	and	and	CCONJ
gp-41	188	12	india	india	PROPN
gp-41	188	13	:	:	PUNCT
gp-41	188	14	a	a	DET
gp-41	188	15	case	case	NOUN
gp-41	188	16	control	control	NOUN
gp-41	188	17	study	study	NOUN
gp-41	188	18	.	.	PUNCT
gp-41	189	1	plos	plos	PROPN
gp-41	189	2	one	one	NUM
gp-41	189	3	,	,	PUNCT
gp-41	189	4	13(4	13(4	NUM
gp-41	189	5	)	)	PUNCT
gp-41	189	6	,	,	PUNCT
gp-41	189	7	e0194105	e0194105	PROPN
gp-41	189	8	.	.	PUNCT
gp-41	189	9	mcgarity	mcgarity	PROPN
gp-41	189	10	,	,	PUNCT
gp-41	189	11	s.	s.	PROPN
gp-41	189	12	v	v	PROPN
gp-41	189	13	,	,	PUNCT
gp-41	189	14	&	&	CCONJ
gp-41	189	15	caplan	caplan	PROPN
gp-41	189	16	,	,	PUNCT
gp-41	189	17	m.	m.	NOUN
gp-41	189	18	a.	a.	PROPN
gp-41	189	19	(	(	PUNCT
gp-41	189	20	2019	2019	NUM
gp-41	189	21	)	)	PUNCT
gp-41	189	22	.	.	PUNCT
gp-41	190	1	living	live	VERB
gp-41	190	2	outside	outside	ADP
gp-41	190	3	the	the	DET
gp-41	190	4	financial	financial	ADJ
gp-41	190	5	mainstream	mainstream	NOUN
gp-41	190	6	:	:	PUNCT
gp-41	190	7	alternative	alternative	ADJ
gp-41	190	8	financial	financial	ADJ
gp-41	190	9	service	service	NOUN
gp-41	190	10	use	use	NOUN
gp-41	190	11	among	among	ADP
gp-41	190	12	people	people	NOUN
gp-41	190	13	with	with	ADP
gp-41	190	14	disabilities	disability	NOUN
gp-41	190	15	.	.	PUNCT
gp-41	191	1	journal	journal	PROPN
gp-41	191	2	of	of	ADP
gp-41	191	3	poverty	poverty	NOUN
gp-41	191	4	,	,	PUNCT
gp-41	191	5	23(4	23(4	NOUN
gp-41	191	6	)	)	PUNCT
gp-41	191	7	,	,	PUNCT
gp-41	191	8	317–335	317–335	NUM
gp-41	191	9	.	.	PUNCT
gp-41	192	1	mersland	mersland	PROPN
gp-41	192	2	,	,	PUNCT
gp-41	192	3	r.	r.	PROPN
gp-41	192	4	,	,	PUNCT
gp-41	192	5	bwire	bwire	VERB
gp-41	192	6	,	,	PUNCT
gp-41	192	7	f.	f.	PROPN
gp-41	192	8	n.	n.	PROPN
gp-41	192	9	,	,	PUNCT
gp-41	192	10	&	&	CCONJ
gp-41	192	11	mukasa	mukasa	PROPN
gp-41	192	12	,	,	PUNCT
gp-41	192	13	g.	g.	PROPN
gp-41	192	14	(	(	PUNCT
gp-41	192	15	2009	2009	NUM
gp-41	192	16	)	)	PUNCT
gp-41	192	17	.	.	PUNCT
gp-41	193	1	access	access	NOUN
gp-41	193	2	to	to	ADP
gp-41	193	3	mainstream	mainstream	NOUN
gp-41	193	4	microfinance	microfinance	NOUN
gp-41	193	5	services	service	NOUN
gp-41	193	6	for	for	ADP
gp-41	193	7	persons	person	NOUN
gp-41	193	8	with	with	ADP
gp-41	193	9	disabilities	disability	NOUN
gp-41	193	10	:	:	PUNCT
gp-41	193	11	lessons	lesson	NOUN
gp-41	193	12	learned	learn	VERB
gp-41	193	13	from	from	ADP
gp-41	193	14	uganda	uganda	PROPN
gp-41	193	15	.	.	PUNCT
gp-41	194	1	disability	disability	NOUN
gp-41	194	2	studies	study	NOUN
gp-41	194	3	quarterly	quarterly	ADV
gp-41	194	4	,	,	PUNCT
gp-41	194	5	29(1	29(1	NUM
gp-41	194	6	)	)	PUNCT
gp-41	194	7	.	.	PUNCT
gp-41	195	1	olga	olga	PROPN
gp-41	195	2	,	,	PUNCT
gp-41	195	3	r.	r.	PROPN
gp-41	195	4	,	,	PUNCT
gp-41	195	5	nataliya	nataliya	PROPN
gp-41	195	6	,	,	PUNCT
gp-41	195	7	a.	a.	NOUN
gp-41	195	8	,	,	PUNCT
gp-41	195	9	&	&	CCONJ
gp-41	195	10	nataliya	nataliya	PROPN
gp-41	195	11	,	,	PUNCT
gp-41	195	12	s.	s.	PROPN
gp-41	195	13	(	(	PUNCT
gp-41	195	14	2018	2018	NUM
gp-41	195	15	)	)	PUNCT
gp-41	195	16	.	.	PUNCT
gp-41	196	1	accessibility	accessibility	NOUN
gp-41	196	2	of	of	ADP
gp-41	196	3	financial	financial	ADJ
gp-41	196	4	services	service	NOUN
gp-41	196	5	for	for	ADP
gp-41	196	6	customers	customer	NOUN
gp-41	196	7	with	with	ADP
gp-41	196	8	disabilities	disability	NOUN
gp-41	196	9	in	in	ADP
gp-41	196	10	russia	russia	PROPN
gp-41	196	11	:	:	PUNCT
gp-41	196	12	challenges	challenge	NOUN
gp-41	196	13	and	and	CCONJ
gp-41	196	14	prospects	prospect	NOUN
gp-41	196	15	.	.	PUNCT
gp-41	197	1	4th	4th	ADJ
gp-41	197	2	international	international	ADJ
gp-41	197	3	conference	conference	NOUN
gp-41	197	4	on	on	ADP
gp-41	197	5	economics	economic	NOUN
gp-41	197	6	,	,	PUNCT
gp-41	197	7	management	management	NOUN
gp-41	197	8	,	,	PUNCT
gp-41	197	9	law	law	NOUN
gp-41	197	10	and	and	CCONJ
gp-41	197	11	education	education	NOUN
gp-41	197	12	(	(	PUNCT
gp-41	197	13	emle	emle	NOUN
gp-41	197	14	2018	2018	NUM
gp-41	197	15	)	)	PUNCT
gp-41	197	16	,	,	PUNCT
gp-41	197	17	45	45	NUM
gp-41	197	18	–	–	SYM
gp-41	197	19	49	49	NUM
gp-41	197	20	.	.	PUNCT
gp-41	198	1	pani	pani	PROPN
gp-41	198	2	,	,	PUNCT
gp-41	198	3	b.	b.	PROPN
gp-41	198	4	s.	s.	PROPN
gp-41	198	5	,	,	PUNCT
gp-41	198	6	&	&	CCONJ
gp-41	198	7	mishra	mishra	PROPN
gp-41	198	8	,	,	PUNCT
gp-41	198	9	d.	d.	PROPN
gp-41	198	10	(	(	PUNCT
gp-41	198	11	2022	2022	NUM
gp-41	198	12	)	)	PUNCT
gp-41	198	13	.	.	PUNCT
gp-41	199	1	sustainable	sustainable	ADJ
gp-41	199	2	livelihood	livelihood	NOUN
gp-41	199	3	security	security	NOUN
gp-41	199	4	in	in	ADP
gp-41	199	5	odisha	odisha	PROPN
gp-41	199	6	,	,	PUNCT
gp-41	199	7	india	india	PROPN
gp-41	199	8	:	:	PUNCT
gp-41	199	9	a	a	DET
gp-41	199	10	district	district	NOUN
gp-41	199	11	level	level	NOUN
gp-41	199	12	analysis	analysis	NOUN
gp-41	199	13	.	.	PUNCT
gp-41	200	1	regional	regional	ADJ
gp-41	200	2	sustainability	sustainability	NOUN
gp-41	200	3	,	,	PUNCT
gp-41	200	4	3(2	3(2	NUM
gp-41	200	5	)	)	PUNCT
gp-41	200	6	,	,	PUNCT
gp-41	200	7	110–121	110–121	NUM
gp-41	200	8	.	.	PUNCT
gp-41	201	1	peprah	peprah	PROPN
gp-41	201	2	,	,	PUNCT
gp-41	201	3	j.	j.	PROPN
gp-41	201	4	a.	a.	PROPN
gp-41	201	5	,	,	PUNCT
gp-41	201	6	avorkpo	avorkpo	PROPN
gp-41	201	7	,	,	PUNCT
gp-41	201	8	e.	e.	PROPN
gp-41	201	9	a.	a.	PROPN
gp-41	201	10	,	,	PUNCT
gp-41	201	11	&	&	CCONJ
gp-41	201	12	kulu	kulu	PROPN
gp-41	201	13	,	,	PUNCT
gp-41	201	14	e.	e.	PROPN
gp-41	201	15	(	(	PUNCT
gp-41	201	16	2022	2022	NUM
gp-41	201	17	)	)	PUNCT
gp-41	201	18	.	.	PUNCT
gp-41	202	1	people	people	NOUN
gp-41	202	2	with	with	ADP
gp-41	202	3	disability	disability	NOUN
gp-41	202	4	and	and	CCONJ
gp-41	202	5	access	access	NOUN
gp-41	202	6	to	to	ADP
gp-41	202	7	financial	financial	ADJ
gp-41	202	8	services	service	NOUN
gp-41	202	9	:	:	PUNCT
gp-41	202	10	evidence	evidence	NOUN
gp-41	202	11	from	from	ADP
gp-41	202	12	ghana	ghana	PROPN
gp-41	202	13	.	.	PUNCT
gp-41	203	1	sridhar	sridhar	PROPN
gp-41	203	2	,	,	PUNCT
gp-41	203	3	k.	k.	PROPN
gp-41	203	4	s.	s.	PROPN
gp-41	203	5	,	,	PUNCT
gp-41	203	6	&	&	CCONJ
gp-41	203	7	sridhar	sridhar	PROPN
gp-41	203	8	,	,	PUNCT
gp-41	203	9	v.	v.	PROPN
gp-41	203	10	(	(	PUNCT
gp-41	203	11	2007	2007	NUM
gp-41	203	12	)	)	PUNCT
gp-41	203	13	.	.	PUNCT
gp-41	204	1	telecommunications	telecommunication	NOUN
gp-41	204	2	infrastructure	infrastructure	NOUN
gp-41	204	3	and	and	CCONJ
gp-41	204	4	economic	economic	ADJ
gp-41	204	5	growth	growth	NOUN
gp-41	204	6	:	:	PUNCT
gp-41	204	7	evidence	evidence	NOUN
gp-41	204	8	from	from	ADP
gp-41	204	9	developing	develop	VERB
gp-41	204	10	countries	country	NOUN
gp-41	204	11	.	.	PUNCT
gp-41	205	1	applied	apply	VERB
gp-41	205	2	econometrics	econometric	NOUN
gp-41	205	3	and	and	CCONJ
gp-41	205	4	international	international	ADJ
gp-41	205	5	development	development	NOUN
gp-41	205	6	,	,	PUNCT
gp-41	205	7	7(2	7(2	NUM
gp-41	205	8	)	)	PUNCT
gp-41	205	9	.	.	PUNCT
gp-41	206	1	tsatsou	tsatsou	NOUN
gp-41	206	2	,	,	PUNCT
gp-41	206	3	p.	p.	NOUN
gp-41	206	4	(	(	PUNCT
gp-41	206	5	2021	2021	NUM
gp-41	206	6	)	)	PUNCT
gp-41	206	7	.	.	PUNCT
gp-41	207	1	is	be	AUX
gp-41	207	2	digital	digital	ADJ
gp-41	207	3	inclusion	inclusion	NOUN
gp-41	207	4	fighting	fight	VERB
gp-41	207	5	disability	disability	NOUN
gp-41	207	6	stigma	stigma	NOUN
gp-41	207	7	?	?	PUNCT
gp-41	208	1	opportunities	opportunity	NOUN
gp-41	208	2	,	,	PUNCT
gp-41	208	3	barriers	barrier	NOUN
gp-41	208	4	,	,	PUNCT
gp-41	208	5	and	and	CCONJ
gp-41	208	6	recommendations	recommendation	NOUN
gp-41	208	7	.	.	PUNCT
gp-41	209	1	disability	disability	NOUN
gp-41	209	2	&	&	CCONJ
gp-41	209	3	society	society	NOUN
gp-41	209	4	,	,	PUNCT
gp-41	209	5	36(5	36(5	NUM
gp-41	209	6	)	)	PUNCT
gp-41	209	7	,	,	PUNCT
gp-41	209	8	702–729	702–729	NUM
gp-41	209	9	.	.	PUNCT
gp-41	210	1	wentz	wentz	PROPN
gp-41	210	2	,	,	PUNCT
gp-41	210	3	b.	b.	PROPN
gp-41	210	4	,	,	PUNCT
gp-41	210	5	pham	pham	PROPN
gp-41	210	6	,	,	PUNCT
gp-41	210	7	d.	d.	PROPN
gp-41	210	8	,	,	PUNCT
gp-41	210	9	feaser	feaser	PROPN
gp-41	210	10	,	,	PUNCT
gp-41	210	11	e.	e.	PROPN
gp-41	210	12	,	,	PUNCT
gp-41	210	13	smith	smith	PROPN
gp-41	210	14	,	,	PUNCT
gp-41	210	15	d.	d.	PROPN
gp-41	210	16	,	,	PUNCT
gp-41	210	17	smith	smith	PROPN
gp-41	210	18	,	,	PUNCT
gp-41	210	19	j.	j.	PROPN
gp-41	210	20	,	,	PUNCT
gp-41	210	21	&	&	CCONJ
gp-41	210	22	wilson	wilson	PROPN
gp-41	210	23	,	,	PUNCT
gp-41	210	24	a.	a.	NOUN
gp-41	210	25	(	(	PUNCT
gp-41	210	26	2019	2019	NUM
gp-41	210	27	)	)	PUNCT
gp-41	210	28	.	.	PUNCT
gp-41	211	1	documenting	document	VERB
gp-41	211	2	the	the	DET
gp-41	211	3	accessibility	accessibility	NOUN
gp-41	211	4	of	of	ADP
gp-41	211	5	100	100	NUM
gp-41	211	6	us	us	PROPN
gp-41	211	7	bank	bank	NOUN
gp-41	211	8	and	and	CCONJ
gp-41	211	9	finance	finance	NOUN
gp-41	211	10	websites	website	NOUN
gp-41	211	11	.	.	PUNCT
gp-41	212	1	universal	universal	ADJ
gp-41	212	2	access	access	NOUN
gp-41	212	3	in	in	ADP
gp-41	212	4	the	the	DET
gp-41	212	5	information	information	NOUN
gp-41	212	6	society	society	NOUN
gp-41	212	7	,	,	PUNCT
gp-41	212	8	18	18	NUM
gp-41	212	9	,	,	PUNCT
gp-41	212	10	871–880	871–880	NUM
gp-41	212	11	.	.	PUNCT
gp-41	213	1	yeo	yeo	PROPN
gp-41	213	2	,	,	PUNCT
gp-41	213	3	r.	r.	PROPN
gp-41	213	4	,	,	PUNCT
gp-41	213	5	&	&	CCONJ
gp-41	213	6	moore	moore	PROPN
gp-41	213	7	,	,	PUNCT
gp-41	213	8	k.	k.	PROPN
gp-41	213	9	(	(	PUNCT
gp-41	213	10	2003	2003	NUM
gp-41	213	11	)	)	PUNCT
gp-41	213	12	.	.	PUNCT
gp-41	214	1	including	include	VERB
gp-41	214	2	disabled	disabled	ADJ
gp-41	214	3	people	people	NOUN
gp-41	214	4	in	in	ADP
gp-41	214	5	poverty	poverty	NOUN
gp-41	214	6	reduction	reduction	NOUN
gp-41	214	7	work:“nothing	work:“nothe	VERB
gp-41	214	8	about	about	ADP
gp-41	214	9	us	we	PRON
gp-41	214	10	,	,	PUNCT
gp-41	214	11	without	without	ADP
gp-41	214	12	us	we	PRON
gp-41	214	13	.	.	PUNCT
gp-41	214	14	”	"	PUNCT
gp-41	215	1	world	world	NOUN
gp-41	215	2	development	development	NOUN
gp-41	215	3	,	,	PUNCT
gp-41	215	4	31(3	31(3	NUM
gp-41	215	5	)	)	PUNCT
gp-41	215	6	,	,	PUNCT
gp-41	215	7	571–590	571–590	NUM
gp-41	215	8	.	.	PUNCT
gp-41	216	1	american	american	ADJ
gp-41	216	2	journal	journal	PROPN
gp-41	216	3	of	of	ADP
gp-41	216	4	economic	economic	ADJ
gp-41	216	5	and	and	CCONJ
gp-41	216	6	management	management	NOUN
gp-41	216	7	business	business	NOUN
gp-41	216	8	vol	vol	NOUN
gp-41	216	9	.	.	PROPN
gp-41	216	10	2	2	NUM
gp-41	216	11	no	no	NOUN
gp-41	216	12	.	.	NOUN
gp-41	217	1	6	6	NUM
gp-41	217	2	june	june	PROPN
gp-41	217	3	2023	2023	NUM
gp-41	217	4	214	214	NUM
gp-41	217	5	copyright	copyright	NOUN
gp-41	217	6	holders	holder	NOUN
gp-41	217	7	:	:	PUNCT
gp-41	217	8	kabya	kabya	PROPN
gp-41	217	9	sambad	sambad	PROPN
gp-41	217	10	,	,	PUNCT
gp-41	217	11	ashis	ashis	PROPN
gp-41	217	12	kumar	kumar	PROPN
gp-41	217	13	samal	samal	PROPN
gp-41	217	14	(	(	PUNCT
gp-41	217	15	2023	2023	NUM
gp-41	217	16	)	)	PUNCT
gp-41	218	1	first	first	ADJ
gp-41	218	2	publication	publication	NOUN
gp-41	218	3	right	right	NOUN
gp-41	218	4	:	:	PUNCT
gp-41	218	5	ajemb	ajemb	PROPN
gp-41	218	6	–	–	PUNCT
gp-41	218	7	american	american	ADJ
gp-41	218	8	journal	journal	PROPN
gp-41	218	9	of	of	ADP
gp-41	218	10	economic	economic	ADJ
gp-41	218	11	and	and	CCONJ
gp-41	218	12	management	management	NOUN
gp-41	218	13	business	business	NOUN