id	sid	eid	entity	type
ajebi-4721	1	1	1	CARDINAL
ajebi-4721	1	2	97	CARDINAL
ajebi-4721	1	3	american journal of economics	ORG
ajebi-4721	1	4	joseph asare1*	PERSON
ajebi-4721	1	5	joseph akwasi nkyi1	PERSON
ajebi-4721	1	6	stephen owusu afriyie1	PERSON
ajebi-4721	1	7	amoakohene1	DATE
ajebi-4721	2	1	4	CARDINAL
ajebi-4721	2	2	3, year 2025	DATE
ajebi-4721	2	3	2831-5588	CARDINAL
ajebi-4721	2	4	2832-4862	CARDINAL
ajebi-4721	2	5	march 12, 2025	DATE
ajebi-4721	2	6	april 16, 2025	DATE
ajebi-4721	2	7	october 11, 2025	DATE
ajebi-4721	6	1	five	CARDINAL
ajebi-4721	6	2	ghana	GPE
ajebi-4721	6	3	400	CARDINAL
ajebi-4721	6	4	400	CARDINAL
ajebi-4721	6	5	1.95	CARDINAL
ajebi-4721	6	6	0.05	CARDINAL
ajebi-4721	8	1	0.40	CARDINAL
ajebi-4721	8	2	0.60	CARDINAL
ajebi-4721	8	3	higher than 0.70	CARDINAL
ajebi-4721	9	1	higher than 0.70	CARDINAL
ajebi-4721	12	1	1	CARDINAL
ajebi-4721	12	2	ghana communication technology university	ORG
ajebi-4721	12	3	ghana	GPE
ajebi-4721	13	1	oecd	ORG
ajebi-4721	13	2	2020	DATE
ajebi-4721	15	1	2022	CARDINAL
ajebi-4721	17	1	2018	DATE
ajebi-4721	18	1	2023	CARDINAL
ajebi-4721	18	2	mcknight et al	PERSON
ajebi-4721	18	3	2020	DATE
ajebi-4721	19	1	digital technology	ORG
ajebi-4721	19	2	xu et al.	PERSON
ajebi-4721	19	3	2024	DATE
ajebi-4721	20	1	yassine et al	PERSON
ajebi-4721	20	2	2024	DATE
ajebi-4721	21	1	2021	CARDINAL
ajebi-4721	22	1	david	PERSON
ajebi-4721	22	2	2018	DATE
ajebi-4721	22	3	ghana	GPE
ajebi-4721	23	1	ghana	GPE
ajebi-4721	23	2	24 million	CARDINAL
ajebi-4721	23	3	africa	LOC
ajebi-4721	23	4	the 1950s	DATE
ajebi-4721	23	5	2023	CARDINAL
ajebi-4721	24	1	ghana	GPE
ajebi-4721	24	2	the 1950s	DATE
ajebi-4721	25	1	1985	DATE
ajebi-4721	25	2	ghana	GPE
ajebi-4721	26	1	1953	DATE
ajebi-4721	26	2	ghana	GPE
ajebi-4721	26	3	two	CARDINAL
ajebi-4721	27	1	1996	DATE
ajebi-4721	28	1	the national investment bank	ORG
ajebi-4721	28	2	98	CARDINAL
ajebi-4721	29	1	j. econ	PERSON
ajebi-4721	30	1	innov	PERSON
ajebi-4721	31	1	4(3	CARDINAL
ajebi-4721	31	2	97	CARDINAL
ajebi-4721	31	3	2025	CARDINAL
ajebi-4721	31	4	between the 1960s and	DATE
ajebi-4721	31	5	1970s	DATE
ajebi-4721	32	1	the 1970s	DATE
ajebi-4721	32	2	cooperative bank	ORG
ajebi-4721	32	3	credit bank	ORG
ajebi-4721	32	4	social unit rural bank	ORG
ajebi-4721	33	1	1990	DATE
ajebi-4721	33	2	ghana	GPE
ajebi-4721	33	3	ghana	GPE
ajebi-4721	33	4	three	CARDINAL
ajebi-4721	33	5	four	CARDINAL
ajebi-4721	34	1	post office savings bank	ORG
ajebi-4721	34	2	about 124	CARDINAL
ajebi-4721	34	3	ghana	GPE
ajebi-4721	34	4	aryeetey et al.	PERSON
ajebi-4721	34	5	1993	DATE
ajebi-4721	34	6	bank of	ORG
ajebi-4721	34	7	ghana	GPE
ajebi-4721	34	8	1994	DATE
ajebi-4721	35	1	ghana	GPE
ajebi-4721	36	1	four	CARDINAL
ajebi-4721	36	2	ghana	GPE
ajebi-4721	36	3	the national insurance commission	ORG
ajebi-4721	36	4	nic	GPE
ajebi-4721	36	5	the securities and exchange commission	ORG
ajebi-4721	36	6	sec	ORG
ajebi-4721	37	1	ghana	GPE
ajebi-4721	39	1	ghana	GPE
ajebi-4721	42	1	five	CARDINAL
ajebi-4721	42	2	61 percent	PERCENT
ajebi-4721	42	3	the end of 2005	DATE
ajebi-4721	42	4	46 percent	PERCENT
ajebi-4721	42	5	the end of 2010	DATE
ajebi-4721	42	6	2011	DATE
ajebi-4721	42	7	2023	CARDINAL
ajebi-4721	43	1	1995	DATE
ajebi-4721	46	1	1999	DATE
ajebi-4721	47	1	the 1990s	DATE
ajebi-4721	48	1	2023	CARDINAL
ajebi-4721	48	2	african	NORP
ajebi-4721	49	1	ilo	ORG
ajebi-4721	49	2	2022	CARDINAL
ajebi-4721	50	1	2011	DATE
ajebi-4721	53	1	2023	CARDINAL
ajebi-4721	53	2	2022	CARDINAL
ajebi-4721	53	3	ghana	GPE
ajebi-4721	53	4	the coming years	DATE
ajebi-4721	54	1	ddep	ORG
ajebi-4721	54	2	ghana	GPE
ajebi-4721	55	1	ddep	ORG
ajebi-4721	55	2	2022	CARDINAL
ajebi-4721	62	1	mohideen et al	PERSON
ajebi-4721	63	1	2018	DATE
ajebi-4721	63	2	99	CARDINAL
ajebi-4721	64	1	j. econ	PERSON
ajebi-4721	65	1	innov	PERSON
ajebi-4721	66	1	4(3	CARDINAL
ajebi-4721	66	2	97	CARDINAL
ajebi-4721	66	3	2025	CARDINAL
ajebi-4721	67	1	mohideen et al	PERSON
ajebi-4721	68	1	2018	DATE
ajebi-4721	68	2	near-zero	CARDINAL
ajebi-4721	70	1	african	NORP
ajebi-4721	70	2	over 73%	PERCENT
ajebi-4721	70	3	300 million	CARDINAL
ajebi-4721	70	4	2022	CARDINAL
ajebi-4721	71	1	oecd	ORG
ajebi-4721	71	2	2021	DATE
ajebi-4721	72	1	digital technology advancement	ORG
ajebi-4721	72	2	bernanke	PERSON
ajebi-4721	72	3	2013	DATE
ajebi-4721	73	1	undrr	FAC
ajebi-4721	73	2	2017	DATE
ajebi-4721	75	1	2020	DATE
ajebi-4721	75	2	ghana	GPE
ajebi-4721	75	3	approximately over $4697 million	MONEY
ajebi-4721	75	4	2020	DATE
ajebi-4721	77	1	2014	DATE
ajebi-4721	79	1	2016	DATE
ajebi-4721	80	1	1994	DATE
ajebi-4721	81	1	2012	DATE
ajebi-4721	81	2	african	NORP
ajebi-4721	81	3	asian	NORP
ajebi-4721	81	4	latin american	NORP
ajebi-4721	82	1	fintech	ORG
ajebi-4721	82	2	bigtech	ORG
ajebi-4721	83	1	three	CARDINAL
ajebi-4721	83	2	xavier	ORG
ajebi-4721	83	3	2022	DATE
ajebi-4721	85	1	ilo	ORG
ajebi-4721	85	2	2022	CARDINAL
ajebi-4721	86	1	ravikumar et al	PERSON
ajebi-4721	86	2	2022	CARDINAL
ajebi-4721	88	1	2018	DATE
ajebi-4721	90	1	2019	DATE
ajebi-4721	92	1	pousttchi et al	ORG
ajebi-4721	93	1	2018	DATE
ajebi-4721	95	1	2017	DATE
ajebi-4721	95	2	gimpel et al.	PERSON
ajebi-4721	95	3	2018	DATE
ajebi-4721	96	1	2017	DATE
ajebi-4721	97	1	ge	ORG
ajebi-4721	97	2	10	CARDINAL
ajebi-4721	98	1	j. econ	PERSON
ajebi-4721	99	1	innov	PERSON
ajebi-4721	100	1	4(3	CARDINAL
ajebi-4721	100	2	97	CARDINAL
ajebi-4721	100	3	2025	CARDINAL
ajebi-4721	101	1	deloitte	ORG
ajebi-4721	101	2	2016	DATE
ajebi-4721	102	1	schwab & guibaud	ORG
ajebi-4721	102	2	2016	DATE
ajebi-4721	104	1	1	CARDINAL
ajebi-4721	104	2	1	CARDINAL
ajebi-4721	105	1	2023	CARDINAL
ajebi-4721	106	1	1	CARDINAL
ajebi-4721	107	1	zhu et al.	PERSON
ajebi-4721	107	2	2023	CARDINAL
ajebi-4721	107	3	2022	CARDINAL
ajebi-4721	107	4	2019	DATE
ajebi-4721	108	1	pwc	ORG
ajebi-4721	108	2	2023	CARDINAL
ajebi-4721	109	1	turner	ORG
ajebi-4721	109	2	2000	DATE
ajebi-4721	111	1	five	CARDINAL
ajebi-4721	111	2	ghana	GPE
ajebi-4721	111	3	agriculture development bank	ORG
ajebi-4721	111	4	absa bank	ORG
ajebi-4721	111	5	fidelity bank	ORG
ajebi-4721	111	6	ghanaian	NORP
ajebi-4721	112	1	ghana	GPE
ajebi-4721	112	2	ghana	GPE
ajebi-4721	113	1	1	CARDINAL
ajebi-4721	115	1	1	CARDINAL
ajebi-4721	115	2	3.0	CARDINAL
ajebi-4721	115	3	ringle et al.	ORG
ajebi-4721	115	4	2015	DATE
ajebi-4721	116	1	richter et al	PERSON
ajebi-4721	117	1	2016	DATE
ajebi-4721	119	1	400	CARDINAL
ajebi-4721	119	2	10	CARDINAL
ajebi-4721	120	1	j. econ	PERSON
ajebi-4721	121	1	innov	PERSON
ajebi-4721	122	1	4(3	CARDINAL
ajebi-4721	122	2	97	CARDINAL
ajebi-4721	122	3	2025	CARDINAL
ajebi-4721	122	4	1	CARDINAL
ajebi-4721	122	5	1 2	CARDINAL
ajebi-4721	122	6	11 12	CARDINAL
ajebi-4721	122	7	1	CARDINAL
ajebi-4721	122	8	0.72 2	CARDINAL
ajebi-4721	122	9	0.11	CARDINAL
ajebi-4721	122	10	0.10 3	CARDINAL
ajebi-4721	122	11	0.14 0.13 0.16	MONEY
ajebi-4721	122	12	4	CARDINAL
ajebi-4721	122	13	0.17 0.01 0.18	MONEY
ajebi-4721	122	14	5	CARDINAL
ajebi-4721	122	15	0.13 0.11 0.21 0.22 0.77 6	QUANTITY
ajebi-4721	122	16	0.041 -0.03 0.93	MONEY
ajebi-4721	122	17	0.42 -0.02 0.33 0.20	MONEY
ajebi-4721	122	18	0.38 0.03 0.32 0.40 0.34	QUANTITY
ajebi-4721	122	19	0.18 0.41 0.82	QUANTITY
ajebi-4721	122	20	9	CARDINAL
ajebi-4721	122	21	0.37	CARDINAL
ajebi-4721	122	22	0.34 0.23 0.29 0.16 0.43	MONEY
ajebi-4721	122	23	10	CARDINAL
ajebi-4721	122	24	0.24 0.21 0.39 0.20	MONEY
ajebi-4721	122	25	0.98 11	CARDINAL
ajebi-4721	122	26	0.37 0.37 0.41 0.27	MONEY
ajebi-4721	122	27	0.94 12	CARDINAL
ajebi-4721	122	28	0.35 -0.12 0.45 0.12	MONEY
ajebi-4721	122	29	0.46 0.98	CARDINAL
ajebi-4721	122	30	0.05	CARDINAL
ajebi-4721	122	31	0.0	CARDINAL
ajebi-4721	123	1	400	CARDINAL
ajebi-4721	123	2	1.95	CARDINAL
ajebi-4721	123	3	0.05	CARDINAL
ajebi-4721	125	1	1	CARDINAL
ajebi-4721	126	1	1 and 2	CARDINAL
ajebi-4721	126	2	morrissey et al.	PERSON
ajebi-4721	126	3	2012	DATE
ajebi-4721	127	1	1	CARDINAL
ajebi-4721	128	1	tran et al	PERSON
ajebi-4721	128	2	2023	CARDINAL
ajebi-4721	129	1	10	CARDINAL
ajebi-4721	130	1	2022	CARDINAL
ajebi-4721	131	1	5 and 9	CARDINAL
ajebi-4721	133	1	al-smadi	ORG
ajebi-4721	133	2	2023	CARDINAL
ajebi-4721	135	1	menza et al.	PERSON
ajebi-4721	135	2	2024	DATE
ajebi-4721	136	1	3	CARDINAL
ajebi-4721	138	1	upi	ORG
ajebi-4721	138	2	neft	ORG
ajebi-4721	138	3	2023	CARDINAL
ajebi-4721	138	4	2025	DATE
ajebi-4721	140	1	gan et al	PERSON
ajebi-4721	140	2	2023	CARDINAL
ajebi-4721	141	1	three	CARDINAL
ajebi-4721	142	1	10	CARDINAL
ajebi-4721	143	1	j. econ	PERSON
ajebi-4721	144	1	innov	PERSON
ajebi-4721	145	1	4(3	CARDINAL
ajebi-4721	145	2	97	CARDINAL
ajebi-4721	145	3	2025	CARDINAL
ajebi-4721	151	1	mocd	ORG
ajebi-4721	151	2	2024	DATE
ajebi-4721	153	1	2024	CARDINAL
ajebi-4721	156	1	2	CARDINAL
ajebi-4721	156	2	smartpls	FAC
ajebi-4721	157	1	2	CARDINAL
ajebi-4721	160	1	0.40	CARDINAL
ajebi-4721	160	2	0.60	CARDINAL
ajebi-4721	160	3	higher than 0.70	CARDINAL
ajebi-4721	160	4	2020	DATE
ajebi-4721	161	1	0.70	CARDINAL
ajebi-4721	162	1	2	CARDINAL
ajebi-4721	162	2	mdt	ORG
ajebi-4721	164	1	2021	CARDINAL
ajebi-4721	165	1	2021	CARDINAL
ajebi-4721	165	2	the health of nonbank financial	ORG
ajebi-4721	165	3	ge	ORG
ajebi-4721	165	4	10	CARDINAL
ajebi-4721	166	1	j. econ	PERSON
ajebi-4721	167	1	innov	PERSON
ajebi-4721	168	1	4(3	CARDINAL
ajebi-4721	168	2	97	CARDINAL
ajebi-4721	168	3	2025	CARDINAL
ajebi-4721	168	4	fintech	ORG
ajebi-4721	170	1	2020	DATE
ajebi-4721	170	2	ghana	GPE
ajebi-4721	172	1	ghanaian	NORP
ajebi-4721	173	1	ghana	GPE
ajebi-4721	173	2	agriculture development bank	ORG
ajebi-4721	173	3	absa bank	ORG
ajebi-4721	173	4	fidelity bank	ORG
ajebi-4721	173	5	fbl	ORG
ajebi-4721	174	1	ghanaian	NORP
ajebi-4721	174	2	50.7%	PERCENT
ajebi-4721	174	3	22.3%	PERCENT
ajebi-4721	174	4	q3	ORG
ajebi-4721	174	5	17.6%	PERCENT
ajebi-4721	174	6	q4	PERSON
ajebi-4721	174	7	9.4%	PERCENT
ajebi-4721	175	1	3	CARDINAL
ajebi-4721	175	2	ghana	GPE
ajebi-4721	175	3	pwc ghana	ORG
ajebi-4721	175	4	2022	CARDINAL
ajebi-4721	175	5	4	CARDINAL
ajebi-4721	175	6	five	CARDINAL
ajebi-4721	175	7	ghana	GPE
ajebi-4721	175	8	five	CARDINAL
ajebi-4721	175	9	ghana	GPE
ajebi-4721	175	10	more than half	CARDINAL
ajebi-4721	175	11	q4	PERSON
ajebi-4721	175	12	50.7%	PERCENT
ajebi-4721	175	13	three	CARDINAL
ajebi-4721	176	1	gcb	ORG
ajebi-4721	176	2	25.9%	PERCENT
ajebi-4721	176	3	absa	ORG
ajebi-4721	176	4	17.1%	PERCENT
ajebi-4721	176	5	fbl	ORG
ajebi-4721	176	6	13.8%	PERCENT
ajebi-4721	177	1	7.7%	PERCENT
ajebi-4721	177	2	3%	PERCENT
ajebi-4721	177	3	q4	PERSON
ajebi-4721	178	1	2	CARDINAL
ajebi-4721	179	1	ghana	GPE
ajebi-4721	179	2	52%	PERCENT
ajebi-4721	180	1	five	CARDINAL
ajebi-4721	180	2	two	CARDINAL
ajebi-4721	180	3	52%	PERCENT
ajebi-4721	182	1	10	CARDINAL
ajebi-4721	183	1	j. econ	PERSON
ajebi-4721	184	1	innov	PERSON
ajebi-4721	185	1	4(3	CARDINAL
ajebi-4721	185	2	97	CARDINAL
ajebi-4721	185	3	2025	CARDINAL
ajebi-4721	186	1	5	CARDINAL
ajebi-4721	187	1	4	CARDINAL
ajebi-4721	187	2	21.1%	PERCENT
ajebi-4721	187	3	16.7%	PERCENT
ajebi-4721	187	4	13.5%	PERCENT
ajebi-4721	187	5	12.10%	PERCENT
ajebi-4721	187	6	10.9%	PERCENT
ajebi-4721	187	7	5.8%	PERCENT
ajebi-4721	188	1	less than 5%	PERCENT
ajebi-4721	190	1	5	CARDINAL
ajebi-4721	192	1	2018	DATE
ajebi-4721	192	2	2022	CARDINAL
ajebi-4721	192	3	the world bank	ORG
ajebi-4721	192	4	2016	CARDINAL
ajebi-4721	192	5	2012	DATE
ajebi-4721	192	6	xavier	PERSON
ajebi-4721	192	7	2022	CARDINAL
ajebi-4721	192	8	ravikumar et al	PERSON
ajebi-4721	192	9	2022	CARDINAL
ajebi-4721	193	1	2	CARDINAL
ajebi-4721	193	2	zhu et al	PERSON
ajebi-4721	194	1	2023	CARDINAL
ajebi-4721	194	2	2023	CARDINAL
ajebi-4721	199	1	i.	PERSON
ajebi-4721	199	2	2023	CARDINAL
ajebi-4721	200	1	ghana	GPE
ajebi-4721	201	1	ssrn	PERSON
ajebi-4721	202	1	https://ssrn.com/ abstract=4433029 allen	PERSON
ajebi-4721	202	2	a. m. (	PERSON
ajebi-4721	202	3	1996	DATE
ajebi-4721	204	1	ssrn	PERSON
ajebi-4721	205	1	al-smadi	PERSON
ajebi-4721	205	2	o. m.	PERSON
ajebi-4721	205	3	2023	CARDINAL
ajebi-4721	206	1	mena countries	ORG
ajebi-4721	207	1	borsa istanbul review	ORG
ajebi-4721	207	2	23(2	CARDINAL
ajebi-4721	207	3	464–472	CARDINAL
ajebi-4721	209	1	r.	NORP
ajebi-4721	209	2	beck	GPE
ajebi-4721	209	3	r., & smits	ORG
ajebi-4721	209	4	m. t.	PERSON
ajebi-4721	209	5	2018	DATE
ajebi-4721	210	1	fintech	ORG
ajebi-4721	211	1	28(3	DATE
ajebi-4721	211	2	235–243	CARDINAL
ajebi-4721	212	1	e. (	PERSON
ajebi-4721	212	2	n.d.	GPE
ajebi-4721	213	1	ghana	GPE
ajebi-4721	214	1	2(8	CARDINAL
ajebi-4721	215	1	issn 2224-5758	PERSON
ajebi-4721	215	2	t. o., & addison	ORG
ajebi-4721	215	3	e. k. y.	PERSON
ajebi-4721	215	4	2020	DATE
ajebi-4721	216	1	10	CARDINAL
ajebi-4721	217	1	j. econ	PERSON
ajebi-4721	218	1	innov	PERSON
ajebi-4721	219	1	4(3	CARDINAL
ajebi-4721	219	2	97	CARDINAL
ajebi-4721	219	3	2025	CARDINAL
ajebi-4721	219	4	ghana	GPE
ajebi-4721	220	1	overseas development institute	ORG
ajebi-4721	221	1	elischolar	PERSON
ajebi-4721	221	2	yale university	ORG
ajebi-4721	222	1	missah	PERSON
ajebi-4721	222	2	y. m.	PERSON
ajebi-4721	222	3	r. m. o. m.	PERSON
ajebi-4721	222	4	d., & opoku	ORG
ajebi-4721	222	5	m.	PERSON
ajebi-4721	222	6	2022	CARDINAL
ajebi-4721	225	1	arizala	GPE
ajebi-4721	225	2	f., & yang	ORG
ajebi-4721	225	3	2021	CARDINAL
ajebi-4721	229	1	e. (1996	ORG
ajebi-4721	230	1	ghana	GPE
ajebi-4721	230	2	86	CARDINAL
ajebi-4721	232	1	aryeetey	GPE
ajebi-4721	232	2	e.	PERSON
ajebi-4721	232	3	baah-nuakoh	PERSON
ajebi-4721	232	4	duggleby	PERSON
ajebi-4721	232	5	t.	GPE
ajebi-4721	232	6	hettige, h., & steel	ORG
ajebi-4721	232	7	w. f. (	PERSON
ajebi-4721	232	8	1993	DATE
ajebi-4721	233	1	ghana	GPE
ajebi-4721	234	1	world bank	ORG
ajebi-4721	235	1	ghana	GPE
ajebi-4721	236	1	1994	DATE
ajebi-4721	237	1	quarterly	DATE
ajebi-4721	237	2	january– march	DATE
ajebi-4721	238	1	accra.	ORG
ajebi-4721	239	1	ghana	GPE
ajebi-4721	240	1	2020	DATE
ajebi-4721	241	1	annual	DATE
ajebi-4721	241	2	2020	DATE
ajebi-4721	242	1	https://www.bog.gov.gh/wp-content/	PERSON
ajebi-4721	242	2	b.	PERSON
ajebi-4721	242	3	2013	DATE
ajebi-4721	242	4	may 18	DATE
ajebi-4721	244	1	cnbc	ORG
ajebi-4721	245	1	brüggen	ORG
ajebi-4721	245	2	e. c.	PERSON
ajebi-4721	245	3	j.	PERSON
ajebi-4721	245	4	m.	PERSON
ajebi-4721	245	5	kabadayi	GPE
ajebi-4721	245	6	s., & löfgren	ORG
ajebi-4721	245	7	m. (	PERSON
ajebi-4721	245	8	2017	CARDINAL
ajebi-4721	247	1	journal of business research	ORG
ajebi-4721	247	2	79	CARDINAL
ajebi-4721	247	3	228–237	CARDINAL
ajebi-4721	249	1	org/10.1016/j.jbusres.2017.03.013 corporate finance institute	ORG
ajebi-4721	250	1	n.d.	GPE
ajebi-4721	252	1	november 10	DATE
ajebi-4721	252	2	2023	CARDINAL
ajebi-4721	255	1	d. p.	PERSON
ajebi-4721	255	2	2018	DATE
ajebi-4721	256	1	3rd	ORDINAL
ajebi-4721	257	1	265–289	CARDINAL
ajebi-4721	259	1	doi.org/10.1016/b978-0-12-804723-1.00012-8	ORG
ajebi-4721	259	2	k., & ochirova	ORG
ajebi-4721	259	3	e.	PERSON
ajebi-4721	259	4	2019	DATE
ajebi-4721	260	1	fintech m&a	ORG
ajebi-4721	261	1	48	DATE
ajebi-4721	261	2	353–364	DATE
ajebi-4721	263	1	2023	CARDINAL
ajebi-4721	266	1	x.	GPE
ajebi-4721	266	2	j. c. (	PERSON
ajebi-4721	267	1	2nd	ORDINAL
ajebi-4721	269	1	gan	PERSON
ajebi-4721	269	2	t., zhang	PERSON
ajebi-4721	269	3	z.	PERSON
ajebi-4721	269	4	2023	CARDINAL
ajebi-4721	270	1	china	GPE
ajebi-4721	271	1	79	CARDINAL
ajebi-4721	271	2	479–496	CARDINAL
ajebi-4721	272	1	https://doi.org/10.1016/j.eap.2023.06.029 gimpel	ORG
ajebi-4721	272	2	rau	ORG
ajebi-4721	272	3	d., & röglinger	ORG
ajebi-4721	272	4	2018	DATE
ajebi-4721	274	1	28(3	DATE
ajebi-4721	274	2	245–264	CARDINAL
ajebi-4721	275	1	017	CARDINAL
ajebi-4721	275	2	kauffman	GPE
ajebi-4721	275	3	r. j.	PERSON
ajebi-4721	275	4	parker	GPE
ajebi-4721	275	5	c., & weber	ORG
ajebi-4721	275	6	b. w.	PERSON
ajebi-4721	275	7	2018	DATE
ajebi-4721	277	1	journal of management information systems	ORG
ajebi-4721	277	2	220–265	CARDINAL
ajebi-4721	278	1	21222.2018.1440766	CARDINAL
ajebi-4721	278	2	koch	GPE
ajebi-4721	278	3	j. a.	PERSON
ajebi-4721	278	4	2017	CARDINAL
ajebi-4721	279	1	fintech	ORG
ajebi-4721	280	1	journal of business economics	ORG
ajebi-4721	280	2	87(5	CARDINAL
ajebi-4721	280	3	537–580	CARDINAL
ajebi-4721	281	1	https://doi.org/10.1007/s11573-017-0852-x	NORP
ajebi-4721	281	2	bojkovska	GPE
ajebi-4721	281	3	k., & jankulovski	ORG
ajebi-4721	281	4	2017	CARDINAL
ajebi-4721	283	1	9(2	CARDINAL
ajebi-4721	283	2	120–125	DATE
ajebi-4721	284	1	hussain	GPE
ajebi-4721	284	2	a. h. m. b.	PERSON
ajebi-4721	284	3	n.	PERSON
ajebi-4721	284	4	das, s.	GPE
ajebi-4721	284	5	thanvir	GPE
ajebi-4721	284	6	m.	PERSON
ajebi-4721	284	7	chowdhury, a., haque, n., & ahmed	PERSON
ajebi-4721	284	8	k. j.	PERSON
ajebi-4721	284	9	2019	DATE
ajebi-4721	286	1	bangladesh	GPE
ajebi-4721	287	1	29(6	CARDINAL
ajebi-4721	287	2	798–807	CARDINAL
ajebi-4721	289	1	2021	CARDINAL
ajebi-4721	290	1	2021	CARDINAL
ajebi-4721	291	1	http://www.imf.org/external/pp/	TIME
ajebi-4721	292	1	ppindex.aspx international labour organization	ORG
ajebi-4721	293	1	2022	CARDINAL
ajebi-4721	295	1	geneva	GPE
ajebi-4721	295	2	24–28	CARDINAL
ajebi-4721	295	3	january 2022	DATE
ajebi-4721	296	1	wcmsp5	PERSON
ajebi-4721	298	1	2011	DATE
ajebi-4721	299	1	ghana	PERSON
ajebi-4721	300	1	s.	PERSON
ajebi-4721	300	2	2019	DATE
ajebi-4721	301	1	4.0	CARDINAL
ajebi-4721	302	1	973–978	CARDINAL
ajebi-4721	303	1	a., & mignon	ORG
ajebi-4721	303	2	2017	CARDINAL
ajebi-4721	305	1	79	CARDINAL
ajebi-4721	306	1	mcknight	WORK_OF_ART
ajebi-4721	306	2	d. h.	PERSON
ajebi-4721	306	3	liu	PERSON
ajebi-4721	306	4	& pentland	GPE
ajebi-4721	306	5	b. t.	PERSON
ajebi-4721	306	6	2020	DATE
ajebi-4721	308	1	journal of management information systems	ORG
ajebi-4721	308	2	37(4	CARDINAL
ajebi-4721	308	3	1015–1046	DATE
ajebi-4721	309	1	menza	PERSON
ajebi-4721	309	2	m., jerene	PERSON
ajebi-4721	309	3	w., & oumer	ORG
ajebi-4721	309	4	m.	PERSON
ajebi-4721	309	5	2024	DATE
ajebi-4721	310	1	ethiopia	GPE
ajebi-4721	312	1	r. c.	PERSON
ajebi-4721	312	2	1995	DATE
ajebi-4721	314	1	d. b.	GPE
ajebi-4721	314	2	k. a. froot	PERSON
ajebi-4721	314	3	s. p. mason	PERSON
ajebi-4721	314	4	a. perold	PERSON
ajebi-4721	314	5	r. c. merton	PERSON
ajebi-4721	314	6	z. bodie	PERSON
ajebi-4721	314	7	e. r. sirri	PERSON
ajebi-4721	314	8	3–31	CARDINAL
ajebi-4721	315	1	harvard business school press	ORG
ajebi-4721	317	1	2024	CARDINAL
ajebi-4721	318	1	ghana	GPE
ajebi-4721	319	1	republic of	ORG
ajebi-4721	319	2	ghana	GPE
ajebi-4721	320	1	ge	ORG
ajebi-4721	320	2	10	CARDINAL
ajebi-4721	321	1	j. econ	PERSON
ajebi-4721	322	1	innov	PERSON
ajebi-4721	323	1	4(3	CARDINAL
ajebi-4721	323	2	97	CARDINAL
ajebi-4721	323	3	2025	CARDINAL
ajebi-4721	323	4	j., & paracuelles	ORG
ajebi-4721	323	5	2018	DATE
ajebi-4721	326	1	o., & udomkerdmongkol	ORG
ajebi-4721	326	2	m. (	PERSON
ajebi-4721	326	3	2012	DATE
ajebi-4721	328	1	40(3	CARDINAL
ajebi-4721	328	2	437–445	CARDINAL
ajebi-4721	329	1	mohammad	PERSON
ajebi-4721	329	2	z. a.	PERSON
ajebi-4721	329	3	2024	CARDINAL
ajebi-4721	330	1	fintech	ORG
ajebi-4721	333	1	irfa.2024.103473 mukong	PERSON
ajebi-4721	333	2	a. k.	PERSON
ajebi-4721	333	3	l. e.	PERSON
ajebi-4721	333	4	2021	CARDINAL
ajebi-4721	334	1	uganda	GPE
ajebi-4721	335	1	economics & finance	ORG
ajebi-4721	335	2	9(1	CARDINAL
ajebi-4721	335	3	1913857	DATE
ajebi-4721	336	1	2023	CARDINAL
ajebi-4721	337	1	ghana	GPE
ajebi-4721	338	1	3	CARDINAL
ajebi-4721	338	2	2023	CARDINAL
ajebi-4721	339	1	2021	CARDINAL
ajebi-4721	340	1	2021	CARDINAL
ajebi-4721	341	1	oecd development centre	ORG
ajebi-4721	342	1	http:// www.oecd.org/dev/oecdemnet.htm	GPE
ajebi-4721	342	2	pousttchi	GPE
ajebi-4721	342	3	k., & dehnert	ORG
ajebi-4721	342	4	2018	DATE
ajebi-4721	344	1	28(3	DATE
ajebi-4721	344	2	265–275	CARDINAL
ajebi-4721	344	3	pwc ghana	PERSON
ajebi-4721	345	1	2022	CARDINAL
ajebi-4721	346	1	ghana	GPE
ajebi-4721	346	2	ghanaian	NORP
ajebi-4721	347	1	rana	PERSON
ajebi-4721	347	2	n. p.	PERSON
ajebi-4721	347	3	s., & rao	ORG
ajebi-4721	347	4	h. r.	PERSON
ajebi-4721	347	5	2019	DATE
ajebi-4721	348	1	indian	NORP
ajebi-4721	349	1	information technology & people	ORG
ajebi-4721	349	2	33(1	CARDINAL
ajebi-4721	349	3	198–229	CARDINAL
ajebi-4721	350	1	a.	PERSON
ajebi-4721	350	2	2022	CARDINAL
ajebi-4721	352	1	8	CARDINAL
ajebi-4721	352	2	100060	DATE
ajebi-4721	354	1	2025	CARDINAL
ajebi-4721	355	1	india	GPE
ajebi-4721	356	1	australia	GPE
ajebi-4721	357	1	2014	DATE
ajebi-4721	359	1	1994	DATE
ajebi-4721	360	1	arab	NORP
ajebi-4721	362	1	schwab	PERSON
ajebi-4721	362	2	f., & guibaud	ORG
ajebi-4721	362	3	s.	PERSON
ajebi-4721	362	4	2016	DATE
ajebi-4721	364	1	s. chishti & j. barberis	ORG
ajebi-4721	364	2	fintech	ORG
ajebi-4721	364	3	245–247	CARDINAL
ajebi-4721	365	1	wiley	PERSON
ajebi-4721	366	1	sun	PERSON
ajebi-4721	366	2	li	PERSON
ajebi-4721	366	3	s., & wang	ORG
ajebi-4721	366	4	r.	PERSON
ajebi-4721	366	5	2023	CARDINAL
ajebi-4721	368	1	17(3	CARDINAL
ajebi-4721	368	2	715–755	CARDINAL
ajebi-4721	369	1	the business & management	ORG
ajebi-4721	370	1	2023	CARDINAL
ajebi-4721	371	1	ghanaian	NORP
ajebi-4721	372	1	the business & management review	ORG
ajebi-4721	372	2	14(3	CARDINAL
ajebi-4721	373	1	v14nu03	PERSON
ajebi-4721	373	2	art-11 tran	PERSON
ajebi-4721	373	3	t. k. o.	PERSON
ajebi-4721	373	4	t. t. v.	GPE
ajebi-4721	373	5	& le	ORG
ajebi-4721	373	6	q. d.	PERSON
ajebi-4721	373	7	2023	CARDINAL
ajebi-4721	375	1	9(6	CARDINAL
ajebi-4721	377	1	heliyon.2023.e16647 turner	PERSON
ajebi-4721	377	2	r.	NORP
ajebi-4721	377	3	a., & cameron	ORG
ajebi-4721	377	4	2000	DATE
ajebi-4721	379	1	the new zealand medical student journal	ORG
ajebi-4721	380	1	https://nzmsj.scholasticahq.com/ article/12577.pdf	ORG
ajebi-4721	380	2	u.s.	GPE
ajebi-4721	381	1	2023	CARDINAL
ajebi-4721	382	1	africa	LOC
ajebi-4721	383	1	https://home	NORP
ajebi-4721	383	2	united nations	ORG
ajebi-4721	384	1	2017	CARDINAL
ajebi-4721	385	1	sendai	ORG
ajebi-4721	386	1	s. r.	PERSON
ajebi-4721	386	2	1995	DATE
ajebi-4721	387	1	latin america	LOC
ajebi-4721	387	2	the 1980s and 1990s	DATE
ajebi-4721	389	1	world bank	ORG
ajebi-4721	390	1	2016	CARDINAL
ajebi-4721	393	1	thierry	PERSON
ajebi-4721	393	2	f.	PERSON
ajebi-4721	393	3	l., & darrell	ORG
ajebi-4721	393	4	2022	CARDINAL
ajebi-4721	396	1	https://cepr.org/voxeu/columns/impacttechnology-finance-new-ebook xcube	PERSON
ajebi-4721	397	1	2023	CARDINAL
ajebi-4721	399	1	w., & zhang	ORG
ajebi-4721	399	2	s.	PERSON
ajebi-4721	399	3	2024	CARDINAL
ajebi-4721	400	1	digital technology	ORG
ajebi-4721	400	2	22	CARDINAL
ajebi-4721	401	1	borsa istanbul review	ORG
ajebi-4721	401	2	2	CARDINAL
ajebi-4721	402	1	https://doi.org/10.1016/j.bir.2024.08.002 yassine	PERSON
ajebi-4721	402	2	m., zhang	PERSON
ajebi-4721	402	3	j., & hansali	ORG
ajebi-4721	402	4	a.	PERSON
ajebi-4721	402	5	2024	CARDINAL
ajebi-4721	405	1	1999	DATE
ajebi-4721	406	1	latin american	NORP
ajebi-4721	409	1	countries/4493519/ zhu	GPE
ajebi-4721	409	2	s.	PERSON
ajebi-4721	409	3	2023	CARDINAL
ajebi-4721	411	1	11(7	GPE
ajebi-4721	411	2	328	CARDINAL
ajebi-4721	412	1	systems11070328	PERSON