id	sid	tid	token	lemma	pos
ajebi-4721	1	1	pa	pa	PROPN
ajebi-4721	1	2	ge	ge	PROPN
ajebi-4721	1	3	1	1	NUM
ajebi-4721	1	4	pa	pa	PROPN
ajebi-4721	1	5	ge	ge	PROPN
ajebi-4721	1	6	97	97	NUM
ajebi-4721	1	7	american	american	PROPN
ajebi-4721	1	8	journal	journal	PROPN
ajebi-4721	1	9	of	of	ADP
ajebi-4721	1	10	economics	economic	NOUN
ajebi-4721	1	11	and	and	CCONJ
ajebi-4721	1	12	business	business	NOUN
ajebi-4721	1	13	innovation	innovation	NOUN
ajebi-4721	1	14	(	(	PUNCT
ajebi-4721	1	15	ajebi	ajebi	NOUN
ajebi-4721	1	16	)	)	PUNCT
ajebi-4721	1	17	realities	reality	NOUN
ajebi-4721	1	18	of	of	ADP
ajebi-4721	1	19	digital	digital	ADJ
ajebi-4721	1	20	technology	technology	NOUN
ajebi-4721	1	21	adoption	adoption	NOUN
ajebi-4721	1	22	impacts	impact	NOUN
ajebi-4721	1	23	on	on	ADP
ajebi-4721	1	24	the	the	DET
ajebi-4721	1	25	financial	financial	ADJ
ajebi-4721	1	26	sectors	sector	NOUN
ajebi-4721	1	27	of	of	ADP
ajebi-4721	1	28	developing	develop	VERB
ajebi-4721	1	29	economies	economy	NOUN
ajebi-4721	1	30	joseph	joseph	PROPN
ajebi-4721	1	31	asare1	asare1	PROPN
ajebi-4721	1	32	*	*	PROPN
ajebi-4721	1	33	,	,	PUNCT
ajebi-4721	1	34	joseph	joseph	PROPN
ajebi-4721	1	35	akwasi	akwasi	PROPN
ajebi-4721	1	36	nkyi1	nkyi1	PROPN
ajebi-4721	1	37	,	,	PUNCT
ajebi-4721	1	38	stephen	stephen	PROPN
ajebi-4721	1	39	owusu	owusu	PROPN
ajebi-4721	1	40	afriyie1	afriyie1	PROPN
ajebi-4721	1	41	,	,	PUNCT
ajebi-4721	1	42	gertrude	gertrude	PROPN
ajebi-4721	1	43	amoakohene1	amoakohene1	PROPN
ajebi-4721	2	1	volume	volume	NOUN
ajebi-4721	2	2	4	4	NUM
ajebi-4721	2	3	issue	issue	NOUN
ajebi-4721	2	4	3	3	NUM
ajebi-4721	2	5	,	,	PUNCT
ajebi-4721	2	6	year	year	NOUN
ajebi-4721	2	7	2025	2025	NUM
ajebi-4721	2	8	issn	issn	PROPN
ajebi-4721	2	9	:	:	PUNCT
ajebi-4721	2	10	2831	2831	NUM
ajebi-4721	2	11	-	-	SYM
ajebi-4721	2	12	5588	5588	NUM
ajebi-4721	2	13	(	(	PUNCT
ajebi-4721	2	14	online	online	ADJ
ajebi-4721	2	15	)	)	PUNCT
ajebi-4721	2	16	,	,	PUNCT
ajebi-4721	2	17	2832	2832	NUM
ajebi-4721	2	18	-	-	SYM
ajebi-4721	2	19	4862	4862	NUM
ajebi-4721	2	20	(	(	PUNCT
ajebi-4721	2	21	print	print	NOUN
ajebi-4721	2	22	)	)	PUNCT
ajebi-4721	2	23	doi	doi	NOUN
ajebi-4721	2	24	:	:	PUNCT
ajebi-4721	2	25	https://doi.org/10.54536/ajebi.v4i3.4721	https://doi.org/10.54536/ajebi.v4i3.4721	PROPN
ajebi-4721	2	26	https://journals.e-palli.com/home/index.php/ajebi	https://journals.e-palli.com/home/index.php/ajebi	NUM
ajebi-4721	2	27	article	article	NOUN
ajebi-4721	2	28	information	information	NOUN
ajebi-4721	2	29	abstract	abstract	ADV
ajebi-4721	2	30	received	receive	VERB
ajebi-4721	2	31	:	:	PUNCT
ajebi-4721	2	32	march	march	PROPN
ajebi-4721	2	33	12	12	NUM
ajebi-4721	2	34	,	,	PUNCT
ajebi-4721	2	35	2025	2025	NUM
ajebi-4721	2	36	accepted	accept	VERB
ajebi-4721	2	37	:	:	PUNCT
ajebi-4721	2	38	april	april	PROPN
ajebi-4721	2	39	16	16	NUM
ajebi-4721	2	40	,	,	PUNCT
ajebi-4721	2	41	2025	2025	NUM
ajebi-4721	2	42	published	publish	VERB
ajebi-4721	2	43	:	:	PUNCT
ajebi-4721	2	44	october	october	PROPN
ajebi-4721	2	45	11	11	NUM
ajebi-4721	2	46	,	,	PUNCT
ajebi-4721	2	47	2025	2025	NUM
ajebi-4721	2	48	the	the	DET
ajebi-4721	2	49	advancement	advancement	NOUN
ajebi-4721	2	50	of	of	ADP
ajebi-4721	2	51	digital	digital	ADJ
ajebi-4721	2	52	technology	technology	NOUN
ajebi-4721	2	53	in	in	ADP
ajebi-4721	2	54	the	the	DET
ajebi-4721	2	55	financial	financial	ADJ
ajebi-4721	2	56	sector	sector	NOUN
ajebi-4721	2	57	has	have	AUX
ajebi-4721	2	58	changed	change	VERB
ajebi-4721	2	59	operations	operation	NOUN
ajebi-4721	2	60	,	,	PUNCT
ajebi-4721	2	61	with	with	ADP
ajebi-4721	2	62	developing	develop	VERB
ajebi-4721	2	63	economies	economy	NOUN
ajebi-4721	2	64	witnessing	witness	VERB
ajebi-4721	2	65	a	a	DET
ajebi-4721	2	66	huge	huge	ADJ
ajebi-4721	2	67	impact	impact	NOUN
ajebi-4721	2	68	of	of	ADP
ajebi-4721	2	69	the	the	DET
ajebi-4721	2	70	rapid	rapid	ADJ
ajebi-4721	2	71	advancement	advancement	NOUN
ajebi-4721	2	72	of	of	ADP
ajebi-4721	2	73	digital	digital	ADJ
ajebi-4721	2	74	technology	technology	NOUN
ajebi-4721	2	75	in	in	ADP
ajebi-4721	2	76	the	the	DET
ajebi-4721	2	77	financial	financial	ADJ
ajebi-4721	2	78	sector	sector	NOUN
ajebi-4721	2	79	.	.	PUNCT
ajebi-4721	3	1	however	however	ADV
ajebi-4721	3	2	,	,	PUNCT
ajebi-4721	3	3	not	not	PART
ajebi-4721	3	4	much	much	ADJ
ajebi-4721	3	5	literature	literature	NOUN
ajebi-4721	3	6	on	on	ADP
ajebi-4721	3	7	the	the	DET
ajebi-4721	3	8	old	old	ADJ
ajebi-4721	3	9	and	and	CCONJ
ajebi-4721	3	10	new	new	ADJ
ajebi-4721	3	11	realities	reality	NOUN
ajebi-4721	3	12	of	of	ADP
ajebi-4721	3	13	digital	digital	ADJ
ajebi-4721	3	14	financial	financial	ADJ
ajebi-4721	3	15	technology	technology	NOUN
ajebi-4721	3	16	on	on	ADP
ajebi-4721	3	17	the	the	DET
ajebi-4721	3	18	financial	financial	ADJ
ajebi-4721	3	19	sector	sector	NOUN
ajebi-4721	3	20	of	of	ADP
ajebi-4721	3	21	developing	develop	VERB
ajebi-4721	3	22	economies	economy	NOUN
ajebi-4721	3	23	exist	exist	VERB
ajebi-4721	3	24	.	.	PUNCT
ajebi-4721	4	1	this	this	DET
ajebi-4721	4	2	study	study	NOUN
ajebi-4721	4	3	is	be	AUX
ajebi-4721	4	4	conducted	conduct	VERB
ajebi-4721	4	5	to	to	PART
ajebi-4721	4	6	provide	provide	VERB
ajebi-4721	4	7	an	an	DET
ajebi-4721	4	8	understanding	understanding	NOUN
ajebi-4721	4	9	of	of	ADP
ajebi-4721	4	10	the	the	DET
ajebi-4721	4	11	old	old	ADJ
ajebi-4721	4	12	and	and	CCONJ
ajebi-4721	4	13	new	new	ADJ
ajebi-4721	4	14	realities	reality	NOUN
ajebi-4721	4	15	of	of	ADP
ajebi-4721	4	16	digital	digital	ADJ
ajebi-4721	4	17	technology	technology	NOUN
ajebi-4721	4	18	advancements	advancement	NOUN
ajebi-4721	4	19	impacts	impact	NOUN
ajebi-4721	4	20	on	on	ADP
ajebi-4721	4	21	developing	develop	VERB
ajebi-4721	4	22	economies	economy	NOUN
ajebi-4721	4	23	financial	financial	ADJ
ajebi-4721	4	24	sectors	sector	NOUN
ajebi-4721	4	25	.	.	PUNCT
ajebi-4721	5	1	the	the	DET
ajebi-4721	5	2	study	study	NOUN
ajebi-4721	5	3	employs	employ	VERB
ajebi-4721	5	4	both	both	DET
ajebi-4721	5	5	qualitative	qualitative	ADJ
ajebi-4721	5	6	and	and	CCONJ
ajebi-4721	5	7	quantitative	quantitative	ADJ
ajebi-4721	5	8	research	research	NOUN
ajebi-4721	5	9	methods	method	NOUN
ajebi-4721	5	10	.	.	PUNCT
ajebi-4721	6	1	five	five	NUM
ajebi-4721	6	2	(	(	PUNCT
ajebi-4721	6	3	n-5	n-5	NUM
ajebi-4721	6	4	)	)	PUNCT
ajebi-4721	6	5	commercial	commercial	ADJ
ajebi-4721	6	6	financial	financial	ADJ
ajebi-4721	6	7	institutions	institution	NOUN
ajebi-4721	6	8	in	in	ADP
ajebi-4721	6	9	ghana	ghana	PROPN
ajebi-4721	6	10	made	make	VERB
ajebi-4721	6	11	up	up	ADP
ajebi-4721	6	12	of	of	ADP
ajebi-4721	6	13	400	400	NUM
ajebi-4721	6	14	samples	sample	NOUN
ajebi-4721	6	15	were	be	AUX
ajebi-4721	6	16	selected	select	VERB
ajebi-4721	6	17	,	,	PUNCT
ajebi-4721	6	18	and	and	CCONJ
ajebi-4721	6	19	bootstrapping	bootstrappe	VERB
ajebi-4721	6	20	was	be	AUX
ajebi-4721	6	21	carried	carry	VERB
ajebi-4721	6	22	out	out	ADP
ajebi-4721	6	23	,	,	PUNCT
ajebi-4721	6	24	weighing	weigh	VERB
ajebi-4721	6	25	every	every	DET
ajebi-4721	6	26	400	400	NUM
ajebi-4721	6	27	cases	case	NOUN
ajebi-4721	6	28	(	(	PUNCT
ajebi-4721	6	29	the	the	DET
ajebi-4721	6	30	critical	critical	ADJ
ajebi-4721	6	31	value	value	NOUN
ajebi-4721	6	32	taken	take	VERB
ajebi-4721	6	33	was	be	AUX
ajebi-4721	6	34	t	t	NOUN
ajebi-4721	6	35	=	=	SYM
ajebi-4721	6	36	1.95	1.95	NUM
ajebi-4721	6	37	and	and	CCONJ
ajebi-4721	6	38	a	a	DET
ajebi-4721	6	39	p	p	NOUN
ajebi-4721	6	40	-	-	PUNCT
ajebi-4721	6	41	value	value	NOUN
ajebi-4721	6	42	<	<	NOUN
ajebi-4721	6	43	0.05	0.05	NUM
ajebi-4721	6	44	)	)	PUNCT
ajebi-4721	6	45	to	to	PART
ajebi-4721	6	46	guarantee	guarantee	VERB
ajebi-4721	6	47	the	the	DET
ajebi-4721	6	48	statistical	statistical	ADJ
ajebi-4721	6	49	weight	weight	NOUN
ajebi-4721	6	50	of	of	ADP
ajebi-4721	6	51	the	the	DET
ajebi-4721	6	52	sartpls	sartpls	NOUN
ajebi-4721	6	53	.	.	PUNCT
ajebi-4721	7	1	the	the	DET
ajebi-4721	7	2	reliability	reliability	NOUN
ajebi-4721	7	3	of	of	ADP
ajebi-4721	7	4	the	the	DET
ajebi-4721	7	5	indicators	indicator	NOUN
ajebi-4721	7	6	was	be	AUX
ajebi-4721	7	7	assessed	assess	VERB
ajebi-4721	7	8	by	by	ADP
ajebi-4721	7	9	the	the	DET
ajebi-4721	7	10	statistical	statistical	ADJ
ajebi-4721	7	11	significance	significance	NOUN
ajebi-4721	7	12	of	of	ADP
ajebi-4721	7	13	the	the	DET
ajebi-4721	7	14	standardized	standardized	ADJ
ajebi-4721	7	15	factorial	factorial	ADJ
ajebi-4721	7	16	loadings	loading	NOUN
ajebi-4721	7	17	.	.	PUNCT
ajebi-4721	8	1	the	the	DET
ajebi-4721	8	2	outer	outer	ADJ
ajebi-4721	8	3	loadings	loading	NOUN
ajebi-4721	8	4	were	be	AUX
ajebi-4721	8	5	in	in	ADP
ajebi-4721	8	6	the	the	DET
ajebi-4721	8	7	range	range	NOUN
ajebi-4721	8	8	of	of	ADP
ajebi-4721	8	9	0.40	0.40	NUM
ajebi-4721	8	10	to	to	ADP
ajebi-4721	8	11	0.60	0.60	NUM
ajebi-4721	8	12	should	should	AUX
ajebi-4721	8	13	be	be	AUX
ajebi-4721	8	14	excluded	exclude	VERB
ajebi-4721	8	15	,	,	PUNCT
ajebi-4721	8	16	and	and	CCONJ
ajebi-4721	8	17	the	the	DET
ajebi-4721	8	18	evaluation	evaluation	NOUN
ajebi-4721	8	19	should	should	AUX
ajebi-4721	8	20	be	be	AUX
ajebi-4721	8	21	higher	high	ADJ
ajebi-4721	8	22	than	than	ADP
ajebi-4721	8	23	0.70	0.70	NUM
ajebi-4721	8	24	,	,	PUNCT
ajebi-4721	8	25	indicating	indicate	VERB
ajebi-4721	8	26	a	a	DET
ajebi-4721	8	27	compounded	compound	VERB
ajebi-4721	8	28	reliability	reliability	NOUN
ajebi-4721	8	29	increase	increase	NOUN
ajebi-4721	8	30	.	.	PUNCT
ajebi-4721	9	1	the	the	DET
ajebi-4721	9	2	compound	compound	NOUN
ajebi-4721	9	3	reliability	reliability	NOUN
ajebi-4721	9	4	is	be	AUX
ajebi-4721	9	5	the	the	DET
ajebi-4721	9	6	alternative	alternative	NOUN
ajebi-4721	9	7	to	to	PART
ajebi-4721	9	8	cronbach	cronbach	VERB
ajebi-4721	9	9	’s	’s	PART
ajebi-4721	9	10	alpha	alpha	NOUN
ajebi-4721	9	11	,	,	PUNCT
ajebi-4721	9	12	and	and	CCONJ
ajebi-4721	9	13	as	as	ADP
ajebi-4721	9	14	a	a	DET
ajebi-4721	9	15	common	common	ADJ
ajebi-4721	9	16	rule	rule	NOUN
ajebi-4721	9	17	,	,	PUNCT
ajebi-4721	9	18	the	the	DET
ajebi-4721	9	19	score	score	NOUN
ajebi-4721	9	20	obtained	obtain	VERB
ajebi-4721	9	21	should	should	AUX
ajebi-4721	9	22	be	be	AUX
ajebi-4721	9	23	expected	expect	VERB
ajebi-4721	9	24	to	to	PART
ajebi-4721	9	25	be	be	AUX
ajebi-4721	9	26	higher	high	ADJ
ajebi-4721	9	27	than	than	ADP
ajebi-4721	9	28	0.70	0.70	NUM
ajebi-4721	9	29	.	.	PUNCT
ajebi-4721	10	1	the	the	DET
ajebi-4721	10	2	study	study	NOUN
ajebi-4721	10	3	results	result	NOUN
ajebi-4721	10	4	showed	show	VERB
ajebi-4721	10	5	that	that	SCONJ
ajebi-4721	10	6	government	government	NOUN
ajebi-4721	10	7	’s	’s	PART
ajebi-4721	10	8	continuous	continuous	ADJ
ajebi-4721	10	9	dominance	dominance	NOUN
ajebi-4721	10	10	in	in	ADP
ajebi-4721	10	11	the	the	DET
ajebi-4721	10	12	financial	financial	ADJ
ajebi-4721	10	13	sector	sector	NOUN
ajebi-4721	10	14	of	of	ADP
ajebi-4721	10	15	developing	develop	VERB
ajebi-4721	10	16	economies	economy	NOUN
ajebi-4721	10	17	remain	remain	VERB
ajebi-4721	10	18	strong	strong	ADJ
ajebi-4721	10	19	.	.	PUNCT
ajebi-4721	11	1	also	also	ADV
ajebi-4721	11	2	,	,	PUNCT
ajebi-4721	11	3	leveraging	leverage	VERB
ajebi-4721	11	4	digital	digital	ADJ
ajebi-4721	11	5	technology	technology	NOUN
ajebi-4721	11	6	would	would	AUX
ajebi-4721	11	7	capacitate	capacitate	VERB
ajebi-4721	11	8	developing	develop	VERB
ajebi-4721	11	9	economies	economy	NOUN
ajebi-4721	11	10	to	to	PART
ajebi-4721	11	11	take	take	VERB
ajebi-4721	11	12	advantage	advantage	NOUN
ajebi-4721	11	13	of	of	ADP
ajebi-4721	11	14	opportunities	opportunity	NOUN
ajebi-4721	11	15	in	in	ADP
ajebi-4721	11	16	the	the	DET
ajebi-4721	11	17	global	global	ADJ
ajebi-4721	11	18	financial	financial	ADJ
ajebi-4721	11	19	market	market	NOUN
ajebi-4721	11	20	to	to	PART
ajebi-4721	11	21	achieve	achieve	VERB
ajebi-4721	11	22	a	a	DET
ajebi-4721	11	23	guarantee	guarantee	NOUN
ajebi-4721	11	24	sustainable	sustainable	ADJ
ajebi-4721	11	25	financial	financial	ADJ
ajebi-4721	11	26	sector	sector	NOUN
ajebi-4721	11	27	growth	growth	NOUN
ajebi-4721	11	28	and	and	CCONJ
ajebi-4721	11	29	development	development	NOUN
ajebi-4721	11	30	.	.	PUNCT
ajebi-4721	12	1	keywords	keyword	VERB
ajebi-4721	12	2	developing	develop	VERB
ajebi-4721	12	3	economies	economy	NOUN
ajebi-4721	12	4	,	,	PUNCT
ajebi-4721	12	5	digital	digital	ADJ
ajebi-4721	12	6	finance	finance	NOUN
ajebi-4721	12	7	,	,	PUNCT
ajebi-4721	12	8	digital	digital	ADJ
ajebi-4721	12	9	technology	technology	NOUN
ajebi-4721	12	10	,	,	PUNCT
ajebi-4721	12	11	financial	financial	ADJ
ajebi-4721	12	12	sector	sector	NOUN
ajebi-4721	12	13	,	,	PUNCT
ajebi-4721	12	14	government	government	NOUN
ajebi-4721	12	15	policy	policy	NOUN
ajebi-4721	12	16	1	1	NUM
ajebi-4721	12	17	department	department	NOUN
ajebi-4721	12	18	of	of	ADP
ajebi-4721	12	19	acccounting	acccounting	NOUN
ajebi-4721	12	20	,	,	PUNCT
ajebi-4721	12	21	banking	banking	NOUN
ajebi-4721	12	22	and	and	CCONJ
ajebi-4721	12	23	finance	finance	NOUN
ajebi-4721	12	24	,	,	PUNCT
ajebi-4721	12	25	ghana	ghana	PROPN
ajebi-4721	12	26	communication	communication	PROPN
ajebi-4721	12	27	technology	technology	PROPN
ajebi-4721	12	28	university	university	PROPN
ajebi-4721	12	29	,	,	PUNCT
ajebi-4721	12	30	ghana	ghana	PROPN
ajebi-4721	12	31	*	*	PUNCT
ajebi-4721	13	1	corresponding	correspond	VERB
ajebi-4721	13	2	author	author	NOUN
ajebi-4721	13	3	’s	’s	PART
ajebi-4721	13	4	e	e	NOUN
ajebi-4721	13	5	-	-	NOUN
ajebi-4721	13	6	mail	mail	NOUN
ajebi-4721	13	7	:	:	PUNCT
ajebi-4721	13	8	jasare@gctu.edu.gh	jasare@gctu.edu.gh	NOUN
ajebi-4721	13	9	introduction	introduction	NOUN
ajebi-4721	13	10	the	the	DET
ajebi-4721	13	11	advancement	advancement	NOUN
ajebi-4721	13	12	of	of	ADP
ajebi-4721	13	13	digital	digital	ADJ
ajebi-4721	13	14	technology	technology	NOUN
ajebi-4721	13	15	in	in	ADP
ajebi-4721	13	16	the	the	DET
ajebi-4721	13	17	finance	finance	NOUN
ajebi-4721	13	18	sector	sector	NOUN
ajebi-4721	13	19	and	and	CCONJ
ajebi-4721	13	20	enhanced	enhance	VERB
ajebi-4721	13	21	the	the	DET
ajebi-4721	13	22	financial	financial	ADJ
ajebi-4721	13	23	knowledge	knowledge	NOUN
ajebi-4721	13	24	of	of	ADP
ajebi-4721	13	25	customers	customer	NOUN
ajebi-4721	13	26	and	and	CCONJ
ajebi-4721	13	27	users	user	NOUN
ajebi-4721	13	28	of	of	ADP
ajebi-4721	13	29	financial	financial	ADJ
ajebi-4721	13	30	information	information	NOUN
ajebi-4721	13	31	and	and	CCONJ
ajebi-4721	13	32	products	product	NOUN
ajebi-4721	13	33	(	(	PUNCT
ajebi-4721	13	34	oecd	oecd	PROPN
ajebi-4721	13	35	,	,	PUNCT
ajebi-4721	13	36	2020	2020	NUM
ajebi-4721	13	37	)	)	PUNCT
ajebi-4721	13	38	.	.	PUNCT
ajebi-4721	14	1	among	among	ADP
ajebi-4721	14	2	the	the	DET
ajebi-4721	14	3	digital	digital	ADJ
ajebi-4721	14	4	technology	technology	NOUN
ajebi-4721	14	5	innovations	innovation	NOUN
ajebi-4721	14	6	that	that	PRON
ajebi-4721	14	7	have	have	AUX
ajebi-4721	14	8	dominated	dominate	VERB
ajebi-4721	14	9	the	the	DET
ajebi-4721	14	10	financial	financial	ADJ
ajebi-4721	14	11	sector	sector	NOUN
ajebi-4721	14	12	of	of	ADP
ajebi-4721	14	13	developing	develop	VERB
ajebi-4721	14	14	economies	economy	NOUN
ajebi-4721	14	15	is	be	AUX
ajebi-4721	14	16	digital	digital	ADJ
ajebi-4721	14	17	payment	payment	NOUN
ajebi-4721	14	18	,	,	PUNCT
ajebi-4721	14	19	which	which	PRON
ajebi-4721	14	20	helps	help	VERB
ajebi-4721	14	21	to	to	PART
ajebi-4721	14	22	promote	promote	VERB
ajebi-4721	14	23	financial	financial	ADJ
ajebi-4721	14	24	inclusion	inclusion	NOUN
ajebi-4721	14	25	and	and	CCONJ
ajebi-4721	14	26	financial	financial	ADJ
ajebi-4721	14	27	wellbeing	wellbeing	NOUN
ajebi-4721	14	28	.	.	PUNCT
ajebi-4721	15	1	digital	digital	ADJ
ajebi-4721	15	2	technology	technology	NOUN
ajebi-4721	15	3	also	also	ADV
ajebi-4721	15	4	affects	affect	VERB
ajebi-4721	15	5	all	all	DET
ajebi-4721	15	6	aspects	aspect	NOUN
ajebi-4721	15	7	of	of	ADP
ajebi-4721	15	8	economic	economic	ADJ
ajebi-4721	15	9	activity	activity	NOUN
ajebi-4721	15	10	and	and	CCONJ
ajebi-4721	15	11	demands	demand	VERB
ajebi-4721	15	12	economic	economic	ADJ
ajebi-4721	15	13	rethinking	rethinking	NOUN
ajebi-4721	15	14	to	to	PART
ajebi-4721	15	15	promote	promote	VERB
ajebi-4721	15	16	the	the	DET
ajebi-4721	15	17	use	use	NOUN
ajebi-4721	15	18	of	of	ADP
ajebi-4721	15	19	contactless	contactless	NOUN
ajebi-4721	15	20	and	and	CCONJ
ajebi-4721	15	21	digital	digital	ADJ
ajebi-4721	15	22	payments	payment	NOUN
ajebi-4721	15	23	(	(	PUNCT
ajebi-4721	15	24	optimus	optimus	NOUN
ajebi-4721	15	25	,	,	PUNCT
ajebi-4721	15	26	2022	2022	NUM
ajebi-4721	15	27	)	)	PUNCT
ajebi-4721	15	28	.	.	PUNCT
ajebi-4721	16	1	also	also	ADV
ajebi-4721	16	2	,	,	PUNCT
ajebi-4721	16	3	digital	digital	ADJ
ajebi-4721	16	4	savings	saving	NOUN
ajebi-4721	16	5	are	be	AUX
ajebi-4721	16	6	gaining	gain	VERB
ajebi-4721	16	7	momentum	momentum	NOUN
ajebi-4721	16	8	in	in	ADP
ajebi-4721	16	9	the	the	DET
ajebi-4721	16	10	financial	financial	ADJ
ajebi-4721	16	11	sector	sector	NOUN
ajebi-4721	16	12	of	of	ADP
ajebi-4721	16	13	developing	develop	VERB
ajebi-4721	16	14	economies	economy	NOUN
ajebi-4721	16	15	.	.	PUNCT
ajebi-4721	17	1	governments	government	NOUN
ajebi-4721	17	2	of	of	ADP
ajebi-4721	17	3	developing	develop	VERB
ajebi-4721	17	4	economies	economy	NOUN
ajebi-4721	17	5	are	be	AUX
ajebi-4721	17	6	constantly	constantly	ADV
ajebi-4721	17	7	seeking	seek	VERB
ajebi-4721	17	8	to	to	PART
ajebi-4721	17	9	promote	promote	VERB
ajebi-4721	17	10	access	access	NOUN
ajebi-4721	17	11	to	to	ADP
ajebi-4721	17	12	the	the	DET
ajebi-4721	17	13	internet	internet	NOUN
ajebi-4721	17	14	and	and	CCONJ
ajebi-4721	17	15	technology	technology	NOUN
ajebi-4721	17	16	(	(	PUNCT
ajebi-4721	17	17	mobile	mobile	ADJ
ajebi-4721	17	18	phones	phone	NOUN
ajebi-4721	17	19	,	,	PUNCT
ajebi-4721	17	20	etc	etc	X
ajebi-4721	17	21	.	.	X
ajebi-4721	17	22	)	)	PUNCT
ajebi-4721	17	23	to	to	PART
ajebi-4721	17	24	assist	assist	VERB
ajebi-4721	17	25	in	in	ADP
ajebi-4721	17	26	the	the	DET
ajebi-4721	17	27	provision	provision	NOUN
ajebi-4721	17	28	of	of	ADP
ajebi-4721	17	29	digital	digital	ADJ
ajebi-4721	17	30	financial	financial	ADJ
ajebi-4721	17	31	services	service	NOUN
ajebi-4721	17	32	to	to	PART
ajebi-4721	17	33	promote	promote	VERB
ajebi-4721	17	34	financial	financial	ADJ
ajebi-4721	17	35	inclusion	inclusion	NOUN
ajebi-4721	17	36	and	and	CCONJ
ajebi-4721	17	37	the	the	DET
ajebi-4721	17	38	delivery	delivery	NOUN
ajebi-4721	17	39	of	of	ADP
ajebi-4721	17	40	low	low	ADV
ajebi-4721	17	41	-	-	PUNCT
ajebi-4721	17	42	priced	price	VERB
ajebi-4721	17	43	financial	financial	ADJ
ajebi-4721	17	44	services	service	NOUN
ajebi-4721	17	45	to	to	PART
ajebi-4721	17	46	help	help	VERB
ajebi-4721	17	47	bring	bring	VERB
ajebi-4721	17	48	the	the	DET
ajebi-4721	17	49	poor	poor	ADJ
ajebi-4721	17	50	into	into	ADP
ajebi-4721	17	51	the	the	DET
ajebi-4721	17	52	formal	formal	ADJ
ajebi-4721	17	53	economy	economy	NOUN
ajebi-4721	17	54	(	(	PUNCT
ajebi-4721	17	55	ozili	ozili	NOUN
ajebi-4721	17	56	,	,	PUNCT
ajebi-4721	17	57	2018	2018	NUM
ajebi-4721	17	58	)	)	PUNCT
ajebi-4721	17	59	.	.	PUNCT
ajebi-4721	18	1	also	also	ADV
ajebi-4721	18	2	,	,	PUNCT
ajebi-4721	18	3	scholars	scholar	NOUN
ajebi-4721	18	4	most	most	ADJ
ajebi-4721	18	5	including	include	VERB
ajebi-4721	18	6	sun	sun	PROPN
ajebi-4721	18	7	et	et	PROPN
ajebi-4721	18	8	al	al	PROPN
ajebi-4721	18	9	.	.	PROPN
ajebi-4721	18	10	(	(	PUNCT
ajebi-4721	18	11	2023	2023	NUM
ajebi-4721	18	12	)	)	PUNCT
ajebi-4721	18	13	,	,	PUNCT
ajebi-4721	18	14	and	and	CCONJ
ajebi-4721	18	15	mcknight	mcknight	PROPN
ajebi-4721	18	16	et	et	PROPN
ajebi-4721	18	17	al	al	PROPN
ajebi-4721	18	18	.	.	PROPN
ajebi-4721	18	19	(	(	PUNCT
ajebi-4721	18	20	2020	2020	NUM
ajebi-4721	18	21	)	)	PUNCT
ajebi-4721	18	22	have	have	AUX
ajebi-4721	18	23	indicated	indicate	VERB
ajebi-4721	18	24	that	that	SCONJ
ajebi-4721	18	25	the	the	DET
ajebi-4721	18	26	current	current	ADJ
ajebi-4721	18	27	advancement	advancement	NOUN
ajebi-4721	18	28	of	of	ADP
ajebi-4721	18	29	digital	digital	ADJ
ajebi-4721	18	30	technology	technology	NOUN
ajebi-4721	18	31	in	in	ADP
ajebi-4721	18	32	the	the	DET
ajebi-4721	18	33	financial	financial	ADJ
ajebi-4721	18	34	sector	sector	NOUN
ajebi-4721	18	35	is	be	AUX
ajebi-4721	18	36	promoting	promote	VERB
ajebi-4721	18	37	,	,	PUNCT
ajebi-4721	18	38	financial	financial	ADJ
ajebi-4721	18	39	wellbeing	wellbeing	NOUN
ajebi-4721	18	40	,	,	PUNCT
ajebi-4721	18	41	digital	digital	ADJ
ajebi-4721	18	42	financial	financial	ADJ
ajebi-4721	18	43	literacy	literacy	NOUN
ajebi-4721	18	44	,	,	PUNCT
ajebi-4721	18	45	digital	digital	ADJ
ajebi-4721	18	46	credit	credit	NOUN
ajebi-4721	18	47	,	,	PUNCT
ajebi-4721	18	48	and	and	CCONJ
ajebi-4721	18	49	digital	digital	ADJ
ajebi-4721	18	50	financial	financial	ADJ
ajebi-4721	18	51	resilience	resilience	NOUN
ajebi-4721	18	52	.	.	PUNCT
ajebi-4721	19	1	digital	digital	ADJ
ajebi-4721	19	2	technology	technology	NOUN
ajebi-4721	19	3	dominates	dominate	VERB
ajebi-4721	19	4	the	the	DET
ajebi-4721	19	5	financial	financial	ADJ
ajebi-4721	19	6	sector	sector	NOUN
ajebi-4721	19	7	of	of	ADP
ajebi-4721	19	8	developed	develop	VERB
ajebi-4721	19	9	economies	economy	NOUN
ajebi-4721	19	10	(	(	PUNCT
ajebi-4721	19	11	xu	xu	INTJ
ajebi-4721	19	12	et	et	PROPN
ajebi-4721	19	13	al	al	PROPN
ajebi-4721	19	14	.	.	PROPN
ajebi-4721	19	15	,	,	PUNCT
ajebi-4721	19	16	2024	2024	NUM
ajebi-4721	19	17	)	)	PUNCT
ajebi-4721	19	18	.	.	PUNCT
ajebi-4721	20	1	however	however	ADV
ajebi-4721	20	2	,	,	PUNCT
ajebi-4721	20	3	developing	develop	VERB
ajebi-4721	20	4	economies	economy	NOUN
ajebi-4721	20	5	have	have	AUX
ajebi-4721	20	6	equally	equally	ADV
ajebi-4721	20	7	witnessed	witness	VERB
ajebi-4721	20	8	a	a	DET
ajebi-4721	20	9	rapid	rapid	ADJ
ajebi-4721	20	10	advancement	advancement	NOUN
ajebi-4721	20	11	of	of	ADP
ajebi-4721	20	12	digital	digital	ADJ
ajebi-4721	20	13	technology	technology	NOUN
ajebi-4721	20	14	in	in	ADP
ajebi-4721	20	15	the	the	DET
ajebi-4721	20	16	financial	financial	ADJ
ajebi-4721	20	17	sector	sector	NOUN
ajebi-4721	20	18	,	,	PUNCT
ajebi-4721	20	19	therefor	therefor	ADP
ajebi-4721	20	20	this	this	DET
ajebi-4721	20	21	study	study	NOUN
ajebi-4721	20	22	believes	believe	VERB
ajebi-4721	20	23	that	that	SCONJ
ajebi-4721	20	24	gaining	gain	VERB
ajebi-4721	20	25	an	an	DET
ajebi-4721	20	26	understanding	understanding	NOUN
ajebi-4721	20	27	of	of	ADP
ajebi-4721	20	28	digital	digital	ADJ
ajebi-4721	20	29	technology	technology	NOUN
ajebi-4721	20	30	advancements	advancement	NOUN
ajebi-4721	20	31	in	in	ADP
ajebi-4721	20	32	developing	develop	VERB
ajebi-4721	20	33	economies	economy	NOUN
ajebi-4721	20	34	financial	financial	ADJ
ajebi-4721	20	35	sectors	sector	NOUN
ajebi-4721	20	36	is	be	AUX
ajebi-4721	20	37	very	very	ADV
ajebi-4721	20	38	crucial	crucial	ADJ
ajebi-4721	20	39	(	(	PUNCT
ajebi-4721	20	40	yassine	yassine	PROPN
ajebi-4721	20	41	et	et	PROPN
ajebi-4721	20	42	al	al	PROPN
ajebi-4721	20	43	.	.	PROPN
ajebi-4721	20	44	2024	2024	NUM
ajebi-4721	20	45	;	;	PUNCT
ajebi-4721	20	46	arizala	arizala	PROPN
ajebi-4721	20	47	et	et	PROPN
ajebi-4721	20	48	al	al	PROPN
ajebi-4721	20	49	.	.	PROPN
ajebi-4721	21	1	(	(	PUNCT
ajebi-4721	21	2	2021	2021	NUM
ajebi-4721	21	3	)	)	PUNCT
ajebi-4721	21	4	.	.	PUNCT
ajebi-4721	22	1	accordingly	accordingly	ADV
ajebi-4721	22	2	,	,	PUNCT
ajebi-4721	22	3	david	david	PROPN
ajebi-4721	22	4	(	(	PUNCT
ajebi-4721	22	5	2018	2018	NUM
ajebi-4721	22	6	)	)	PUNCT
ajebi-4721	22	7	indicated	indicate	VERB
ajebi-4721	22	8	that	that	SCONJ
ajebi-4721	22	9	a	a	DET
ajebi-4721	22	10	common	common	ADJ
ajebi-4721	22	11	feature	feature	NOUN
ajebi-4721	22	12	of	of	ADP
ajebi-4721	22	13	developing	develop	VERB
ajebi-4721	22	14	economies	economy	NOUN
ajebi-4721	22	15	including	include	VERB
ajebi-4721	22	16	ghana	ghana	PROPN
ajebi-4721	22	17	is	be	AUX
ajebi-4721	22	18	high	high	ADJ
ajebi-4721	22	19	potential	potential	NOUN
ajebi-4721	22	20	for	for	ADP
ajebi-4721	22	21	growth	growth	NOUN
ajebi-4721	22	22	,	,	PUNCT
ajebi-4721	22	23	high	high	ADJ
ajebi-4721	22	24	market	market	NOUN
ajebi-4721	22	25	volatility	volatility	NOUN
ajebi-4721	22	26	,	,	PUNCT
ajebi-4721	22	27	low	low	ADJ
ajebi-4721	22	28	-	-	PUNCT
ajebi-4721	22	29	middle	middle	ADJ
ajebi-4721	22	30	income	income	NOUN
ajebi-4721	22	31	per	per	ADP
ajebi-4721	22	32	capita	capita	X
ajebi-4721	22	33	,	,	PUNCT
ajebi-4721	22	34	investment	investment	NOUN
ajebi-4721	22	35	potential	potential	NOUN
ajebi-4721	22	36	,	,	PUNCT
ajebi-4721	22	37	low	low	ADJ
ajebi-4721	22	38	capacity	capacity	NOUN
ajebi-4721	22	39	to	to	PART
ajebi-4721	22	40	maintain	maintain	VERB
ajebi-4721	22	41	sustained	sustain	VERB
ajebi-4721	22	42	strong	strong	ADJ
ajebi-4721	22	43	growth	growth	NOUN
ajebi-4721	22	44	and	and	CCONJ
ajebi-4721	22	45	production	production	NOUN
ajebi-4721	22	46	of	of	ADP
ajebi-4721	22	47	higher	high	ADJ
ajebi-4721	22	48	-	-	PUNCT
ajebi-4721	22	49	value	value	NOUN
ajebi-4721	22	50	-	-	PUNCT
ajebi-4721	22	51	added	add	VERB
ajebi-4721	22	52	goods	good	NOUN
ajebi-4721	22	53	.	.	PUNCT
ajebi-4721	23	1	ghana	ghana	PROPN
ajebi-4721	23	2	is	be	AUX
ajebi-4721	23	3	touted	tout	VERB
ajebi-4721	23	4	as	as	ADP
ajebi-4721	23	5	one	one	NUM
ajebi-4721	23	6	of	of	ADP
ajebi-4721	23	7	the	the	DET
ajebi-4721	23	8	world	world	NOUN
ajebi-4721	23	9	’s	’s	PART
ajebi-4721	23	10	leading	lead	VERB
ajebi-4721	23	11	developing	develop	VERB
ajebi-4721	23	12	economies	economy	NOUN
ajebi-4721	23	13	,	,	PUNCT
ajebi-4721	23	14	with	with	ADP
ajebi-4721	23	15	a	a	DET
ajebi-4721	23	16	population	population	NOUN
ajebi-4721	23	17	of	of	ADP
ajebi-4721	23	18	over	over	ADP
ajebi-4721	23	19	24	24	NUM
ajebi-4721	23	20	million	million	NUM
ajebi-4721	23	21	,	,	PUNCT
ajebi-4721	23	22	and	and	CCONJ
ajebi-4721	23	23	is	be	AUX
ajebi-4721	23	24	considered	consider	VERB
ajebi-4721	23	25	the	the	DET
ajebi-4721	23	26	centre	centre	NOUN
ajebi-4721	23	27	of	of	ADP
ajebi-4721	23	28	africa	africa	PROPN
ajebi-4721	23	29	’s	’s	PART
ajebi-4721	23	30	struggle	struggle	NOUN
ajebi-4721	23	31	for	for	ADP
ajebi-4721	23	32	independence	independence	NOUN
ajebi-4721	23	33	in	in	ADP
ajebi-4721	23	34	the	the	DET
ajebi-4721	23	35	1950s	1950	NOUN
ajebi-4721	23	36	(	(	PUNCT
ajebi-4721	23	37	nambware	nambware	ADJ
ajebi-4721	23	38	,	,	PUNCT
ajebi-4721	23	39	2023	2023	NUM
ajebi-4721	23	40	)	)	PUNCT
ajebi-4721	23	41	.	.	PUNCT
ajebi-4721	24	1	ghana	ghana	PROPN
ajebi-4721	24	2	’s	’s	PART
ajebi-4721	24	3	financial	financial	ADJ
ajebi-4721	24	4	sector	sector	NOUN
ajebi-4721	24	5	development	development	NOUN
ajebi-4721	24	6	stems	stem	VERB
ajebi-4721	24	7	from	from	ADP
ajebi-4721	24	8	the	the	DET
ajebi-4721	24	9	1950s	1950s	NUM
ajebi-4721	24	10	.	.	PUNCT
ajebi-4721	25	1	before	before	ADP
ajebi-4721	25	2	1985	1985	NUM
ajebi-4721	25	3	,	,	PUNCT
ajebi-4721	25	4	the	the	DET
ajebi-4721	25	5	financial	financial	ADJ
ajebi-4721	25	6	system	system	NOUN
ajebi-4721	25	7	in	in	ADP
ajebi-4721	25	8	ghana	ghana	PROPN
ajebi-4721	25	9	changed	change	VERB
ajebi-4721	25	10	and	and	CCONJ
ajebi-4721	25	11	grew	grow	VERB
ajebi-4721	25	12	invariably	invariably	ADV
ajebi-4721	25	13	because	because	SCONJ
ajebi-4721	25	14	of	of	ADP
ajebi-4721	25	15	the	the	DET
ajebi-4721	25	16	creation	creation	NOUN
ajebi-4721	25	17	of	of	ADP
ajebi-4721	25	18	specialized	specialized	ADJ
ajebi-4721	25	19	financial	financial	ADJ
ajebi-4721	25	20	institutions	institution	NOUN
ajebi-4721	25	21	by	by	ADP
ajebi-4721	25	22	the	the	DET
ajebi-4721	25	23	government	government	NOUN
ajebi-4721	25	24	as	as	ADP
ajebi-4721	25	25	an	an	DET
ajebi-4721	25	26	intervention	intervention	NOUN
ajebi-4721	25	27	to	to	PART
ajebi-4721	25	28	serve	serve	VERB
ajebi-4721	25	29	the	the	DET
ajebi-4721	25	30	officially	officially	ADV
ajebi-4721	25	31	perceived	perceive	VERB
ajebi-4721	25	32	demands	demand	NOUN
ajebi-4721	25	33	of	of	ADP
ajebi-4721	25	34	distinct	distinct	ADJ
ajebi-4721	25	35	economic	economic	ADJ
ajebi-4721	25	36	groups	group	NOUN
ajebi-4721	25	37	.	.	PUNCT
ajebi-4721	26	1	in	in	ADP
ajebi-4721	26	2	1953	1953	NUM
ajebi-4721	26	3	,	,	PUNCT
ajebi-4721	26	4	the	the	DET
ajebi-4721	26	5	ghana	ghana	PROPN
ajebi-4721	26	6	commercial	commercial	PROPN
ajebi-4721	26	7	bank	bank	PROPN
ajebi-4721	26	8	was	be	AUX
ajebi-4721	26	9	established	establish	VERB
ajebi-4721	26	10	to	to	PART
ajebi-4721	26	11	complement	complement	VERB
ajebi-4721	26	12	what	what	PRON
ajebi-4721	26	13	was	be	AUX
ajebi-4721	26	14	regarded	regard	VERB
ajebi-4721	26	15	as	as	ADP
ajebi-4721	26	16	the	the	DET
ajebi-4721	26	17	inadequate	inadequate	ADJ
ajebi-4721	26	18	lending	lending	NOUN
ajebi-4721	26	19	policies	policy	NOUN
ajebi-4721	26	20	of	of	ADP
ajebi-4721	26	21	the	the	DET
ajebi-4721	26	22	two	two	NUM
ajebi-4721	26	23	earlier	early	ADV
ajebi-4721	26	24	established	establish	VERB
ajebi-4721	26	25	foreign	foreign	ADJ
ajebi-4721	26	26	financial	financial	ADJ
ajebi-4721	26	27	institutions	institution	NOUN
ajebi-4721	26	28	,	,	PUNCT
ajebi-4721	26	29	whose	whose	DET
ajebi-4721	26	30	focus	focus	NOUN
ajebi-4721	26	31	was	be	AUX
ajebi-4721	26	32	to	to	PART
ajebi-4721	26	33	provide	provide	VERB
ajebi-4721	26	34	financial	financial	ADJ
ajebi-4721	26	35	services	service	NOUN
ajebi-4721	26	36	to	to	ADP
ajebi-4721	26	37	well	well	ADV
ajebi-4721	26	38	-	-	PUNCT
ajebi-4721	26	39	established	establish	VERB
ajebi-4721	26	40	foreign	foreign	ADJ
ajebi-4721	26	41	firms	firm	NOUN
ajebi-4721	26	42	in	in	ADP
ajebi-4721	26	43	the	the	DET
ajebi-4721	26	44	granting	granting	NOUN
ajebi-4721	26	45	of	of	ADP
ajebi-4721	26	46	loans	loan	NOUN
ajebi-4721	26	47	.	.	PUNCT
ajebi-4721	27	1	unfortunately	unfortunately	ADV
ajebi-4721	27	2	,	,	PUNCT
ajebi-4721	27	3	indigenous	indigenous	ADJ
ajebi-4721	27	4	farmers	farmer	NOUN
ajebi-4721	27	5	and	and	CCONJ
ajebi-4721	27	6	small	small	ADJ
ajebi-4721	27	7	entrepreneurs	entrepreneur	NOUN
ajebi-4721	27	8	were	be	AUX
ajebi-4721	27	9	not	not	PART
ajebi-4721	27	10	the	the	DET
ajebi-4721	27	11	priority	priority	NOUN
ajebi-4721	27	12	of	of	ADP
ajebi-4721	27	13	those	those	DET
ajebi-4721	27	14	foreign	foreign	ADJ
ajebi-4721	27	15	financial	financial	ADJ
ajebi-4721	27	16	institutions	institution	NOUN
ajebi-4721	27	17	,	,	PUNCT
ajebi-4721	27	18	hence	hence	ADV
ajebi-4721	27	19	the	the	DET
ajebi-4721	27	20	government	government	NOUN
ajebi-4721	27	21	decision	decision	NOUN
ajebi-4721	27	22	to	to	PART
ajebi-4721	27	23	set	set	VERB
ajebi-4721	27	24	up	up	ADP
ajebi-4721	27	25	a	a	DET
ajebi-4721	27	26	national	national	ADJ
ajebi-4721	27	27	bank	bank	NOUN
ajebi-4721	27	28	considered	consider	VERB
ajebi-4721	27	29	to	to	PART
ajebi-4721	27	30	be	be	AUX
ajebi-4721	27	31	economically	economically	ADV
ajebi-4721	27	32	desirable	desirable	ADJ
ajebi-4721	27	33	(	(	PUNCT
ajebi-4721	27	34	aryeetey	aryeetey	ADJ
ajebi-4721	27	35	,	,	PUNCT
ajebi-4721	27	36	1996	1996	NUM
ajebi-4721	27	37	)	)	PUNCT
ajebi-4721	27	38	.	.	PUNCT
ajebi-4721	28	1	also	also	ADV
ajebi-4721	28	2	,	,	PUNCT
ajebi-4721	28	3	various	various	ADJ
ajebi-4721	28	4	development	development	NOUN
ajebi-4721	28	5	financial	financial	ADJ
ajebi-4721	28	6	institutions	institution	NOUN
ajebi-4721	28	7	,	,	PUNCT
ajebi-4721	28	8	including	include	VERB
ajebi-4721	28	9	the	the	DET
ajebi-4721	28	10	national	national	PROPN
ajebi-4721	28	11	investment	investment	PROPN
ajebi-4721	28	12	bank	bank	NOUN
ajebi-4721	28	13	,	,	PUNCT
ajebi-4721	28	14	the	the	DET
ajebi-4721	28	15	bank	bank	NOUN
ajebi-4721	28	16	for	for	ADP
ajebi-4721	28	17	housing	housing	NOUN
ajebi-4721	28	18	and	and	CCONJ
ajebi-4721	28	19	construction	construction	NOUN
ajebi-4721	28	20	,	,	PUNCT
ajebi-4721	28	21	and	and	CCONJ
ajebi-4721	28	22	the	the	DET
ajebi-4721	28	23	pa	pa	PROPN
ajebi-4721	28	24	ge	ge	PROPN
ajebi-4721	28	25	98	98	NUM
ajebi-4721	28	26	https://journals.e-palli.com/home/index.php/ajebi	https://journals.e-palli.com/home/index.php/ajebi	NUM
ajebi-4721	28	27	am	am	NOUN
ajebi-4721	28	28	.	.	PUNCT
ajebi-4721	29	1	j.	j.	PROPN
ajebi-4721	29	2	econ	econ	PROPN
ajebi-4721	29	3	.	.	PUNCT
ajebi-4721	29	4	bus	bus	PROPN
ajebi-4721	29	5	.	.	PUNCT
ajebi-4721	30	1	innov	innov	PROPN
ajebi-4721	30	2	.	.	PUNCT
ajebi-4721	31	1	4(3	4(3	NUM
ajebi-4721	31	2	)	)	PUNCT
ajebi-4721	31	3	97	97	NUM
ajebi-4721	31	4	-	-	SYM
ajebi-4721	31	5	106	106	NUM
ajebi-4721	31	6	,	,	PUNCT
ajebi-4721	31	7	2025	2025	NUM
ajebi-4721	31	8	agricultural	agricultural	ADJ
ajebi-4721	31	9	development	development	PROPN
ajebi-4721	31	10	bank	bank	NOUN
ajebi-4721	31	11	,	,	PUNCT
ajebi-4721	31	12	were	be	AUX
ajebi-4721	31	13	set	set	VERB
ajebi-4721	31	14	up	up	ADP
ajebi-4721	31	15	to	to	PART
ajebi-4721	31	16	meet	meet	VERB
ajebi-4721	31	17	the	the	DET
ajebi-4721	31	18	specific	specific	ADJ
ajebi-4721	31	19	financing	financing	NOUN
ajebi-4721	31	20	needs	need	NOUN
ajebi-4721	31	21	of	of	ADP
ajebi-4721	31	22	some	some	DET
ajebi-4721	31	23	sectors	sector	NOUN
ajebi-4721	31	24	between	between	ADP
ajebi-4721	31	25	the	the	DET
ajebi-4721	31	26	1960s	1960	NOUN
ajebi-4721	31	27	and	and	CCONJ
ajebi-4721	31	28	1970s	1970	NOUN
ajebi-4721	31	29	.	.	PUNCT
ajebi-4721	32	1	however	however	ADV
ajebi-4721	32	2	,	,	PUNCT
ajebi-4721	32	3	in	in	ADP
ajebi-4721	32	4	the	the	DET
ajebi-4721	32	5	1970s	1970	NOUN
ajebi-4721	32	6	,	,	PUNCT
ajebi-4721	32	7	cooperative	cooperative	ADJ
ajebi-4721	32	8	bank	bank	NOUN
ajebi-4721	32	9	,	,	PUNCT
ajebi-4721	32	10	credit	credit	NOUN
ajebi-4721	32	11	bank	bank	NOUN
ajebi-4721	32	12	,	,	PUNCT
ajebi-4721	32	13	social	social	ADJ
ajebi-4721	32	14	unit	unit	NOUN
ajebi-4721	32	15	rural	rural	PROPN
ajebi-4721	32	16	bank	bank	NOUN
ajebi-4721	32	17	,	,	PUNCT
ajebi-4721	32	18	and	and	CCONJ
ajebi-4721	32	19	national	national	ADJ
ajebi-4721	32	20	savings	saving	NOUN
ajebi-4721	32	21	security	security	PROPN
ajebi-4721	32	22	bank	bank	NOUN
ajebi-4721	32	23	were	be	AUX
ajebi-4721	32	24	also	also	ADV
ajebi-4721	32	25	created	create	VERB
ajebi-4721	32	26	by	by	ADP
ajebi-4721	32	27	the	the	DET
ajebi-4721	32	28	government	government	NOUN
ajebi-4721	32	29	as	as	SCONJ
ajebi-4721	32	30	small	small	ADJ
ajebi-4721	32	31	borrowers	borrower	NOUN
ajebi-4721	32	32	grew	grow	VERB
ajebi-4721	32	33	.	.	PUNCT
ajebi-4721	33	1	by	by	ADP
ajebi-4721	33	2	1990	1990	NUM
ajebi-4721	33	3	,	,	PUNCT
ajebi-4721	33	4	a	a	DET
ajebi-4721	33	5	formal	formal	ADJ
ajebi-4721	33	6	financial	financial	ADJ
ajebi-4721	33	7	system	system	NOUN
ajebi-4721	33	8	had	have	AUX
ajebi-4721	33	9	been	be	AUX
ajebi-4721	33	10	created	create	VERB
ajebi-4721	33	11	in	in	ADP
ajebi-4721	33	12	ghana	ghana	PROPN
ajebi-4721	33	13	,	,	PUNCT
ajebi-4721	33	14	comprising	comprise	VERB
ajebi-4721	33	15	the	the	DET
ajebi-4721	33	16	central	central	ADJ
ajebi-4721	33	17	bank	bank	NOUN
ajebi-4721	33	18	(	(	PUNCT
ajebi-4721	33	19	bank	bank	PROPN
ajebi-4721	33	20	of	of	ADP
ajebi-4721	33	21	ghana	ghana	PROPN
ajebi-4721	33	22	)	)	PUNCT
ajebi-4721	33	23	,	,	PUNCT
ajebi-4721	33	24	three	three	NUM
ajebi-4721	33	25	development	development	NOUN
ajebi-4721	33	26	financial	financial	ADJ
ajebi-4721	33	27	institutions	institution	NOUN
ajebi-4721	33	28	,	,	PUNCT
ajebi-4721	33	29	and	and	CCONJ
ajebi-4721	33	30	four	four	NUM
ajebi-4721	33	31	commercial	commercial	ADJ
ajebi-4721	33	32	financial	financial	ADJ
ajebi-4721	33	33	institutions	institution	NOUN
ajebi-4721	33	34	.	.	PUNCT
ajebi-4721	34	1	in	in	ADP
ajebi-4721	34	2	addition	addition	NOUN
ajebi-4721	34	3	,	,	PUNCT
ajebi-4721	34	4	cooperative	cooperative	ADJ
ajebi-4721	34	5	movements	movement	NOUN
ajebi-4721	34	6	,	,	PUNCT
ajebi-4721	34	7	post	post	VERB
ajebi-4721	34	8	office	office	NOUN
ajebi-4721	34	9	savings	saving	NOUN
ajebi-4721	34	10	bank	bank	NOUN
ajebi-4721	34	11	,	,	PUNCT
ajebi-4721	34	12	and	and	CCONJ
ajebi-4721	34	13	about	about	ADV
ajebi-4721	34	14	124	124	NUM
ajebi-4721	34	15	rural	rural	ADJ
ajebi-4721	34	16	financial	financial	ADJ
ajebi-4721	34	17	institutions	institution	NOUN
ajebi-4721	34	18	were	be	AUX
ajebi-4721	34	19	recorded	record	VERB
ajebi-4721	34	20	in	in	ADP
ajebi-4721	34	21	ghana	ghana	PROPN
ajebi-4721	34	22	(	(	PUNCT
ajebi-4721	34	23	aryeetey	aryeetey	PROPN
ajebi-4721	34	24	et	et	PROPN
ajebi-4721	34	25	al	al	PROPN
ajebi-4721	34	26	.	.	PROPN
ajebi-4721	34	27	,	,	PUNCT
ajebi-4721	34	28	1993	1993	NUM
ajebi-4721	34	29	;	;	PUNCT
ajebi-4721	34	30	bank	bank	NOUN
ajebi-4721	34	31	of	of	ADP
ajebi-4721	34	32	ghana	ghana	PROPN
ajebi-4721	34	33	,	,	PUNCT
ajebi-4721	34	34	1994	1994	NUM
ajebi-4721	34	35	)	)	PUNCT
ajebi-4721	34	36	.	.	PUNCT
ajebi-4721	35	1	the	the	DET
ajebi-4721	35	2	financial	financial	ADJ
ajebi-4721	35	3	services	service	NOUN
ajebi-4721	35	4	sector	sector	NOUN
ajebi-4721	35	5	in	in	ADP
ajebi-4721	35	6	ghana	ghana	PROPN
ajebi-4721	35	7	is	be	AUX
ajebi-4721	35	8	comprised	comprise	VERB
ajebi-4721	35	9	mainly	mainly	ADV
ajebi-4721	35	10	of	of	ADP
ajebi-4721	35	11	the	the	DET
ajebi-4721	35	12	insurance	insurance	NOUN
ajebi-4721	35	13	,	,	PUNCT
ajebi-4721	35	14	banking	banking	NOUN
ajebi-4721	35	15	,	,	PUNCT
ajebi-4721	35	16	and	and	CCONJ
ajebi-4721	35	17	capital	capital	NOUN
ajebi-4721	35	18	markets	market	NOUN
ajebi-4721	35	19	.	.	PUNCT
ajebi-4721	36	1	the	the	DET
ajebi-4721	36	2	sector	sector	NOUN
ajebi-4721	36	3	is	be	AUX
ajebi-4721	36	4	regulated	regulate	VERB
ajebi-4721	36	5	by	by	ADP
ajebi-4721	36	6	four	four	NUM
ajebi-4721	36	7	major	major	ADJ
ajebi-4721	36	8	regulatory	regulatory	ADJ
ajebi-4721	36	9	bodies	body	NOUN
ajebi-4721	36	10	:	:	PUNCT
ajebi-4721	36	11	the	the	DET
ajebi-4721	36	12	bank	bank	NOUN
ajebi-4721	36	13	of	of	ADP
ajebi-4721	36	14	ghana	ghana	PROPN
ajebi-4721	36	15	(	(	PUNCT
ajebi-4721	36	16	bog	bog	NOUN
ajebi-4721	36	17	)	)	PUNCT
ajebi-4721	36	18	,	,	PUNCT
ajebi-4721	36	19	the	the	DET
ajebi-4721	36	20	national	national	PROPN
ajebi-4721	36	21	insurance	insurance	PROPN
ajebi-4721	36	22	commission	commission	PROPN
ajebi-4721	36	23	(	(	PUNCT
ajebi-4721	36	24	nic	nic	PROPN
ajebi-4721	36	25	)	)	PUNCT
ajebi-4721	36	26	,	,	PUNCT
ajebi-4721	36	27	the	the	DET
ajebi-4721	36	28	national	national	ADJ
ajebi-4721	36	29	pensions	pension	NOUN
ajebi-4721	36	30	regulatory	regulatory	ADJ
ajebi-4721	36	31	authority	authority	NOUN
ajebi-4721	36	32	(	(	PUNCT
ajebi-4721	36	33	npra	npra	NOUN
ajebi-4721	36	34	)	)	PUNCT
ajebi-4721	36	35	,	,	PUNCT
ajebi-4721	36	36	and	and	CCONJ
ajebi-4721	36	37	the	the	DET
ajebi-4721	36	38	securities	securities	PROPN
ajebi-4721	36	39	and	and	CCONJ
ajebi-4721	36	40	exchange	exchange	PROPN
ajebi-4721	36	41	commission	commission	PROPN
ajebi-4721	36	42	(	(	PUNCT
ajebi-4721	36	43	sec	sec	PROPN
ajebi-4721	36	44	)	)	PUNCT
ajebi-4721	36	45	.	.	PUNCT
ajebi-4721	37	1	the	the	DET
ajebi-4721	37	2	financial	financial	ADJ
ajebi-4721	37	3	sector	sector	NOUN
ajebi-4721	37	4	of	of	ADP
ajebi-4721	37	5	ghana	ghana	PROPN
ajebi-4721	37	6	is	be	AUX
ajebi-4721	37	7	dominated	dominate	VERB
ajebi-4721	37	8	by	by	ADP
ajebi-4721	37	9	financial	financial	ADJ
ajebi-4721	37	10	institutions	institution	NOUN
ajebi-4721	37	11	,	,	PUNCT
ajebi-4721	37	12	and	and	CCONJ
ajebi-4721	37	13	the	the	DET
ajebi-4721	37	14	sector	sector	NOUN
ajebi-4721	37	15	is	be	AUX
ajebi-4721	37	16	well	well	ADV
ajebi-4721	37	17	-	-	PUNCT
ajebi-4721	37	18	structured	structure	VERB
ajebi-4721	37	19	and	and	CCONJ
ajebi-4721	37	20	has	have	AUX
ajebi-4721	37	21	promoted	promote	VERB
ajebi-4721	37	22	development	development	NOUN
ajebi-4721	37	23	,	,	PUNCT
ajebi-4721	37	24	steady	steady	ADJ
ajebi-4721	37	25	reforms	reform	NOUN
ajebi-4721	37	26	,	,	PUNCT
ajebi-4721	37	27	and	and	CCONJ
ajebi-4721	37	28	growth	growth	NOUN
ajebi-4721	37	29	.	.	PUNCT
ajebi-4721	38	1	however	however	ADV
ajebi-4721	38	2	,	,	PUNCT
ajebi-4721	38	3	there	there	PRON
ajebi-4721	38	4	are	be	VERB
ajebi-4721	38	5	inherent	inherent	ADJ
ajebi-4721	38	6	risks	risk	NOUN
ajebi-4721	38	7	in	in	ADP
ajebi-4721	38	8	the	the	DET
ajebi-4721	38	9	operations	operation	NOUN
ajebi-4721	38	10	of	of	ADP
ajebi-4721	38	11	financial	financial	ADJ
ajebi-4721	38	12	institutions	institution	NOUN
ajebi-4721	38	13	,	,	PUNCT
ajebi-4721	38	14	in	in	ADP
ajebi-4721	38	15	the	the	DET
ajebi-4721	38	16	structure	structure	NOUN
ajebi-4721	38	17	of	of	ADP
ajebi-4721	38	18	their	their	PRON
ajebi-4721	38	19	balance	balance	NOUN
ajebi-4721	38	20	sheets	sheet	NOUN
ajebi-4721	38	21	,	,	PUNCT
ajebi-4721	38	22	and	and	CCONJ
ajebi-4721	38	23	in	in	ADP
ajebi-4721	38	24	their	their	PRON
ajebi-4721	38	25	profit	profit	NOUN
ajebi-4721	38	26	and	and	CCONJ
ajebi-4721	38	27	loss	loss	NOUN
ajebi-4721	38	28	accounts	account	NOUN
ajebi-4721	38	29	.	.	PUNCT
ajebi-4721	39	1	for	for	ADP
ajebi-4721	39	2	instance	instance	NOUN
ajebi-4721	39	3	,	,	PUNCT
ajebi-4721	39	4	commercial	commercial	ADJ
ajebi-4721	39	5	financial	financial	ADJ
ajebi-4721	39	6	institutions	institution	NOUN
ajebi-4721	39	7	in	in	ADP
ajebi-4721	39	8	ghana	ghana	PROPN
ajebi-4721	39	9	are	be	AUX
ajebi-4721	39	10	highly	highly	ADV
ajebi-4721	39	11	exposed	expose	VERB
ajebi-4721	39	12	to	to	ADP
ajebi-4721	39	13	credit	credit	NOUN
ajebi-4721	39	14	risk	risk	NOUN
ajebi-4721	39	15	because	because	SCONJ
ajebi-4721	39	16	lending	lending	NOUN
ajebi-4721	39	17	accounts	account	VERB
ajebi-4721	39	18	for	for	ADP
ajebi-4721	39	19	the	the	DET
ajebi-4721	39	20	bulk	bulk	NOUN
ajebi-4721	39	21	of	of	ADP
ajebi-4721	39	22	their	their	PRON
ajebi-4721	39	23	assets	asset	NOUN
ajebi-4721	39	24	,	,	PUNCT
ajebi-4721	39	25	and	and	CCONJ
ajebi-4721	39	26	it	it	PRON
ajebi-4721	39	27	has	have	AUX
ajebi-4721	39	28	grown	grow	VERB
ajebi-4721	39	29	in	in	ADP
ajebi-4721	39	30	an	an	DET
ajebi-4721	39	31	environment	environment	NOUN
ajebi-4721	39	32	of	of	ADP
ajebi-4721	39	33	weak	weak	ADJ
ajebi-4721	39	34	credit	credit	NOUN
ajebi-4721	39	35	risk	risk	NOUN
ajebi-4721	39	36	management	management	NOUN
ajebi-4721	39	37	and	and	CCONJ
ajebi-4721	39	38	enforcement	enforcement	NOUN
ajebi-4721	39	39	of	of	ADP
ajebi-4721	39	40	creditor	creditor	NOUN
ajebi-4721	39	41	rights	right	NOUN
ajebi-4721	39	42	.	.	PUNCT
ajebi-4721	40	1	also	also	ADV
ajebi-4721	40	2	,	,	PUNCT
ajebi-4721	40	3	governments	government	NOUN
ajebi-4721	40	4	dominate	dominate	VERB
ajebi-4721	40	5	economic	economic	ADJ
ajebi-4721	40	6	activity	activity	NOUN
ajebi-4721	40	7	,	,	PUNCT
ajebi-4721	40	8	causing	cause	VERB
ajebi-4721	40	9	weakness	weakness	NOUN
ajebi-4721	40	10	in	in	ADP
ajebi-4721	40	11	fiscal	fiscal	ADJ
ajebi-4721	40	12	management	management	NOUN
ajebi-4721	40	13	and	and	CCONJ
ajebi-4721	40	14	an	an	DET
ajebi-4721	40	15	increase	increase	NOUN
ajebi-4721	40	16	in	in	ADP
ajebi-4721	40	17	vulnerabilities	vulnerability	NOUN
ajebi-4721	40	18	in	in	ADP
ajebi-4721	40	19	the	the	DET
ajebi-4721	40	20	banking	banking	NOUN
ajebi-4721	40	21	sector	sector	NOUN
ajebi-4721	40	22	.	.	PUNCT
ajebi-4721	41	1	additionally	additionally	ADV
ajebi-4721	41	2	,	,	PUNCT
ajebi-4721	41	3	small	small	ADJ
ajebi-4721	41	4	and	and	CCONJ
ajebi-4721	41	5	medium	medium	ADJ
ajebi-4721	41	6	enterprises	enterprise	NOUN
ajebi-4721	41	7	(	(	PUNCT
ajebi-4721	41	8	smes	sme	NOUN
ajebi-4721	41	9	)	)	PUNCT
ajebi-4721	41	10	rely	rely	VERB
ajebi-4721	41	11	heavily	heavily	ADV
ajebi-4721	41	12	on	on	ADP
ajebi-4721	41	13	business	business	NOUN
ajebi-4721	41	14	from	from	ADP
ajebi-4721	41	15	the	the	DET
ajebi-4721	41	16	government	government	NOUN
ajebi-4721	41	17	,	,	PUNCT
ajebi-4721	41	18	leading	lead	VERB
ajebi-4721	41	19	to	to	ADP
ajebi-4721	41	20	the	the	DET
ajebi-4721	41	21	accumulation	accumulation	NOUN
ajebi-4721	41	22	of	of	ADP
ajebi-4721	41	23	payment	payment	NOUN
ajebi-4721	41	24	arrears	arrear	NOUN
ajebi-4721	41	25	to	to	ADP
ajebi-4721	41	26	contractors	contractor	NOUN
ajebi-4721	41	27	and	and	CCONJ
ajebi-4721	41	28	other	other	ADJ
ajebi-4721	41	29	service	service	NOUN
ajebi-4721	41	30	providers	provider	NOUN
ajebi-4721	41	31	by	by	ADP
ajebi-4721	41	32	the	the	DET
ajebi-4721	41	33	government	government	NOUN
ajebi-4721	41	34	,	,	PUNCT
ajebi-4721	41	35	which	which	PRON
ajebi-4721	41	36	affects	affect	VERB
ajebi-4721	41	37	the	the	DET
ajebi-4721	41	38	capacity	capacity	NOUN
ajebi-4721	41	39	of	of	ADP
ajebi-4721	41	40	borrowers	borrower	NOUN
ajebi-4721	41	41	to	to	PART
ajebi-4721	41	42	service	service	VERB
ajebi-4721	41	43	their	their	PRON
ajebi-4721	41	44	bank	bank	NOUN
ajebi-4721	41	45	loans	loan	NOUN
ajebi-4721	41	46	.	.	PUNCT
ajebi-4721	42	1	also	also	ADV
ajebi-4721	42	2	,	,	PUNCT
ajebi-4721	42	3	the	the	DET
ajebi-4721	42	4	share	share	NOUN
ajebi-4721	42	5	of	of	ADP
ajebi-4721	42	6	the	the	DET
ajebi-4721	42	7	market	market	NOUN
ajebi-4721	42	8	of	of	ADP
ajebi-4721	42	9	the	the	DET
ajebi-4721	42	10	five	five	NUM
ajebi-4721	42	11	largest	large	ADJ
ajebi-4721	42	12	financial	financial	ADJ
ajebi-4721	42	13	institutions	institution	NOUN
ajebi-4721	42	14	declined	decline	VERB
ajebi-4721	42	15	from	from	ADP
ajebi-4721	42	16	61	61	NUM
ajebi-4721	42	17	percent	percent	NOUN
ajebi-4721	42	18	at	at	ADP
ajebi-4721	42	19	the	the	DET
ajebi-4721	42	20	end	end	NOUN
ajebi-4721	42	21	of	of	ADP
ajebi-4721	42	22	2005	2005	NUM
ajebi-4721	42	23	to	to	ADP
ajebi-4721	42	24	46	46	NUM
ajebi-4721	42	25	percent	percent	NOUN
ajebi-4721	42	26	at	at	ADP
ajebi-4721	42	27	the	the	DET
ajebi-4721	42	28	end	end	NOUN
ajebi-4721	42	29	of	of	ADP
ajebi-4721	42	30	2010	2010	NUM
ajebi-4721	42	31	(	(	PUNCT
ajebi-4721	42	32	imf	imf	PROPN
ajebi-4721	42	33	,	,	PUNCT
ajebi-4721	42	34	2011	2011	NUM
ajebi-4721	42	35	;	;	PUNCT
ajebi-4721	42	36	nambware	nambware	ADV
ajebi-4721	42	37	,	,	PUNCT
ajebi-4721	42	38	2023	2023	NUM
ajebi-4721	42	39	)	)	PUNCT
ajebi-4721	42	40	.	.	PUNCT
ajebi-4721	43	1	typically	typically	ADV
ajebi-4721	43	2	,	,	PUNCT
ajebi-4721	43	3	financial	financial	ADJ
ajebi-4721	43	4	institutions	institution	NOUN
ajebi-4721	43	5	dominate	dominate	VERB
ajebi-4721	43	6	the	the	DET
ajebi-4721	43	7	financial	financial	ADJ
ajebi-4721	43	8	systems	system	NOUN
ajebi-4721	43	9	in	in	ADP
ajebi-4721	43	10	developing	develop	VERB
ajebi-4721	43	11	economies	economy	NOUN
ajebi-4721	43	12	,	,	PUNCT
ajebi-4721	43	13	and	and	CCONJ
ajebi-4721	43	14	bank	bank	NOUN
ajebi-4721	43	15	deposits	deposit	NOUN
ajebi-4721	43	16	constitute	constitute	VERB
ajebi-4721	43	17	the	the	DET
ajebi-4721	43	18	most	most	ADV
ajebi-4721	43	19	important	important	ADJ
ajebi-4721	43	20	form	form	NOUN
ajebi-4721	43	21	of	of	ADP
ajebi-4721	43	22	household	household	NOUN
ajebi-4721	43	23	savings	saving	NOUN
ajebi-4721	43	24	,	,	PUNCT
ajebi-4721	43	25	whereas	whereas	SCONJ
ajebi-4721	43	26	bank	bank	NOUN
ajebi-4721	43	27	credits	credit	NOUN
ajebi-4721	43	28	such	such	ADJ
ajebi-4721	43	29	as	as	ADP
ajebi-4721	43	30	shortand	shortand	NOUN
ajebi-4721	43	31	long	long	ADJ
ajebi-4721	43	32	-	-	PUNCT
ajebi-4721	43	33	term	term	NOUN
ajebi-4721	43	34	loans	loan	NOUN
ajebi-4721	43	35	are	be	AUX
ajebi-4721	43	36	the	the	DET
ajebi-4721	43	37	most	most	ADV
ajebi-4721	43	38	important	important	ADJ
ajebi-4721	43	39	external	external	ADJ
ajebi-4721	43	40	source	source	NOUN
ajebi-4721	43	41	of	of	ADP
ajebi-4721	43	42	financing	financing	NOUN
ajebi-4721	43	43	for	for	ADP
ajebi-4721	43	44	businesses	business	NOUN
ajebi-4721	43	45	(	(	PUNCT
ajebi-4721	43	46	weisbrod	weisbrod	NOUN
ajebi-4721	43	47	,	,	PUNCT
ajebi-4721	43	48	1995	1995	NUM
ajebi-4721	43	49	)	)	PUNCT
ajebi-4721	43	50	.	.	PUNCT
ajebi-4721	44	1	in	in	ADP
ajebi-4721	44	2	addition	addition	NOUN
ajebi-4721	44	3	,	,	PUNCT
ajebi-4721	44	4	the	the	DET
ajebi-4721	44	5	financial	financial	ADJ
ajebi-4721	44	6	systems	system	NOUN
ajebi-4721	44	7	of	of	ADP
ajebi-4721	44	8	developing	develop	VERB
ajebi-4721	44	9	economies	economy	NOUN
ajebi-4721	44	10	tend	tend	VERB
ajebi-4721	44	11	to	to	PART
ajebi-4721	44	12	exhibit	exhibit	VERB
ajebi-4721	44	13	greater	great	ADJ
ajebi-4721	44	14	fragility	fragility	NOUN
ajebi-4721	44	15	than	than	ADP
ajebi-4721	44	16	those	those	PRON
ajebi-4721	44	17	of	of	ADP
ajebi-4721	44	18	developed	develop	VERB
ajebi-4721	44	19	economies	economy	NOUN
ajebi-4721	44	20	.	.	PUNCT
ajebi-4721	45	1	not	not	PART
ajebi-4721	45	2	only	only	ADV
ajebi-4721	45	3	does	do	AUX
ajebi-4721	45	4	this	this	DET
ajebi-4721	45	5	fragility	fragility	NOUN
ajebi-4721	45	6	affect	affect	VERB
ajebi-4721	45	7	the	the	DET
ajebi-4721	45	8	overall	overall	ADJ
ajebi-4721	45	9	performance	performance	NOUN
ajebi-4721	45	10	of	of	ADP
ajebi-4721	45	11	the	the	DET
ajebi-4721	45	12	economy	economy	NOUN
ajebi-4721	45	13	,	,	PUNCT
ajebi-4721	45	14	but	but	CCONJ
ajebi-4721	45	15	it	it	PRON
ajebi-4721	45	16	also	also	ADV
ajebi-4721	45	17	causes	cause	VERB
ajebi-4721	45	18	microeconomic	microeconomic	ADJ
ajebi-4721	45	19	inefficiencies	inefficiency	NOUN
ajebi-4721	45	20	in	in	ADP
ajebi-4721	45	21	savings	saving	NOUN
ajebi-4721	45	22	and	and	CCONJ
ajebi-4721	45	23	investment	investment	NOUN
ajebi-4721	45	24	and	and	CCONJ
ajebi-4721	45	25	subsequently	subsequently	ADV
ajebi-4721	45	26	limits	limit	VERB
ajebi-4721	45	27	economic	economic	ADJ
ajebi-4721	45	28	growth	growth	NOUN
ajebi-4721	45	29	.	.	PUNCT
ajebi-4721	46	1	in	in	ADP
ajebi-4721	46	2	addition	addition	NOUN
ajebi-4721	46	3	,	,	PUNCT
ajebi-4721	46	4	the	the	DET
ajebi-4721	46	5	fragility	fragility	NOUN
ajebi-4721	46	6	of	of	ADP
ajebi-4721	46	7	the	the	DET
ajebi-4721	46	8	financial	financial	ADJ
ajebi-4721	46	9	sector	sector	NOUN
ajebi-4721	46	10	also	also	ADV
ajebi-4721	46	11	affects	affect	VERB
ajebi-4721	46	12	the	the	DET
ajebi-4721	46	13	effectiveness	effectiveness	NOUN
ajebi-4721	46	14	and	and	CCONJ
ajebi-4721	46	15	efficiency	efficiency	NOUN
ajebi-4721	46	16	of	of	ADP
ajebi-4721	46	17	the	the	DET
ajebi-4721	46	18	functioning	functioning	NOUN
ajebi-4721	46	19	of	of	ADP
ajebi-4721	46	20	the	the	DET
ajebi-4721	46	21	payments	payment	NOUN
ajebi-4721	46	22	system	system	NOUN
ajebi-4721	46	23	,	,	PUNCT
ajebi-4721	46	24	which	which	PRON
ajebi-4721	46	25	leads	lead	VERB
ajebi-4721	46	26	to	to	ADP
ajebi-4721	46	27	high	high	ADJ
ajebi-4721	46	28	transaction	transaction	NOUN
ajebi-4721	46	29	costs	cost	NOUN
ajebi-4721	46	30	and	and	CCONJ
ajebi-4721	46	31	reduced	reduce	VERB
ajebi-4721	46	32	capital	capital	NOUN
ajebi-4721	46	33	productivity	productivity	NOUN
ajebi-4721	46	34	,	,	PUNCT
ajebi-4721	46	35	which	which	PRON
ajebi-4721	46	36	has	have	VERB
ajebi-4721	46	37	the	the	DET
ajebi-4721	46	38	potential	potential	NOUN
ajebi-4721	46	39	to	to	PART
ajebi-4721	46	40	deepen	deepen	VERB
ajebi-4721	46	41	a	a	DET
ajebi-4721	46	42	macroeconomic	macroeconomic	ADJ
ajebi-4721	46	43	crisis	crisis	NOUN
ajebi-4721	46	44	(	(	PUNCT
ajebi-4721	46	45	zahler	zahler	NOUN
ajebi-4721	46	46	,	,	PUNCT
ajebi-4721	46	47	1999	1999	NUM
ajebi-4721	46	48	)	)	PUNCT
ajebi-4721	46	49	.	.	PUNCT
ajebi-4721	47	1	however	however	ADV
ajebi-4721	47	2	,	,	PUNCT
ajebi-4721	47	3	this	this	DET
ajebi-4721	47	4	study	study	NOUN
ajebi-4721	47	5	had	have	AUX
ajebi-4721	47	6	expected	expect	VERB
ajebi-4721	47	7	the	the	DET
ajebi-4721	47	8	current	current	ADJ
ajebi-4721	47	9	digital	digital	ADJ
ajebi-4721	47	10	technology	technology	NOUN
ajebi-4721	47	11	evolutions	evolution	NOUN
ajebi-4721	47	12	in	in	ADP
ajebi-4721	47	13	the	the	DET
ajebi-4721	47	14	financial	financial	ADJ
ajebi-4721	47	15	sector	sector	NOUN
ajebi-4721	47	16	of	of	ADP
ajebi-4721	47	17	developing	develop	VERB
ajebi-4721	47	18	economies	economy	NOUN
ajebi-4721	47	19	to	to	PART
ajebi-4721	47	20	overcome	overcome	VERB
ajebi-4721	47	21	the	the	DET
ajebi-4721	47	22	many	many	ADJ
ajebi-4721	47	23	challenges	challenge	NOUN
ajebi-4721	47	24	that	that	PRON
ajebi-4721	47	25	affected	affect	VERB
ajebi-4721	47	26	the	the	DET
ajebi-4721	47	27	sector	sector	NOUN
ajebi-4721	47	28	in	in	ADP
ajebi-4721	47	29	the	the	DET
ajebi-4721	47	30	1990s	1990s	NUM
ajebi-4721	47	31	.	.	PUNCT
ajebi-4721	48	1	unfortunately	unfortunately	ADV
ajebi-4721	48	2	,	,	PUNCT
ajebi-4721	48	3	this	this	PRON
ajebi-4721	48	4	is	be	AUX
ajebi-4721	48	5	not	not	PART
ajebi-4721	48	6	the	the	DET
ajebi-4721	48	7	case	case	NOUN
ajebi-4721	48	8	,	,	PUNCT
ajebi-4721	48	9	as	as	SCONJ
ajebi-4721	48	10	usdt	usdt	NOUN
ajebi-4721	48	11	(	(	PUNCT
ajebi-4721	48	12	2023	2023	NUM
ajebi-4721	48	13	)	)	PUNCT
ajebi-4721	48	14	has	have	AUX
ajebi-4721	48	15	noted	note	VERB
ajebi-4721	48	16	that	that	SCONJ
ajebi-4721	48	17	the	the	DET
ajebi-4721	48	18	financial	financial	ADJ
ajebi-4721	48	19	sector	sector	NOUN
ajebi-4721	48	20	of	of	ADP
ajebi-4721	48	21	most	most	ADJ
ajebi-4721	48	22	developing	develop	VERB
ajebi-4721	48	23	economies	economy	NOUN
ajebi-4721	48	24	,	,	PUNCT
ajebi-4721	48	25	especially	especially	ADV
ajebi-4721	48	26	those	those	PRON
ajebi-4721	48	27	in	in	ADP
ajebi-4721	48	28	sub	sub	ADJ
ajebi-4721	48	29	-	-	ADJ
ajebi-4721	48	30	saharan	saharan	ADJ
ajebi-4721	48	31	african	african	ADJ
ajebi-4721	48	32	countries	country	NOUN
ajebi-4721	48	33	,	,	PUNCT
ajebi-4721	48	34	faces	face	VERB
ajebi-4721	48	35	many	many	ADJ
ajebi-4721	48	36	challenges	challenge	NOUN
ajebi-4721	48	37	,	,	PUNCT
ajebi-4721	48	38	including	include	VERB
ajebi-4721	48	39	operating	operate	VERB
ajebi-4721	48	40	with	with	ADP
ajebi-4721	48	41	a	a	DET
ajebi-4721	48	42	strong	strong	ADJ
ajebi-4721	48	43	degree	degree	NOUN
ajebi-4721	48	44	of	of	ADP
ajebi-4721	48	45	government	government	NOUN
ajebi-4721	48	46	ownership	ownership	NOUN
ajebi-4721	48	47	or	or	CCONJ
ajebi-4721	48	48	control	control	NOUN
ajebi-4721	48	49	,	,	PUNCT
ajebi-4721	48	50	weak	weak	ADJ
ajebi-4721	48	51	bank	bank	NOUN
ajebi-4721	48	52	supervision	supervision	NOUN
ajebi-4721	48	53	,	,	PUNCT
ajebi-4721	48	54	inadequate	inadequate	ADJ
ajebi-4721	48	55	enforcement	enforcement	NOUN
ajebi-4721	48	56	tools	tool	NOUN
ajebi-4721	48	57	,	,	PUNCT
ajebi-4721	48	58	low	low	ADJ
ajebi-4721	48	59	management	management	NOUN
ajebi-4721	48	60	standards	standard	NOUN
ajebi-4721	48	61	,	,	PUNCT
ajebi-4721	48	62	and	and	CCONJ
ajebi-4721	48	63	inadequate	inadequate	ADJ
ajebi-4721	48	64	financial	financial	ADJ
ajebi-4721	48	65	market	market	NOUN
ajebi-4721	48	66	size	size	NOUN
ajebi-4721	48	67	.	.	PUNCT
ajebi-4721	49	1	in	in	ADP
ajebi-4721	49	2	addition	addition	NOUN
ajebi-4721	49	3	,	,	PUNCT
ajebi-4721	49	4	the	the	DET
ajebi-4721	49	5	financial	financial	ADJ
ajebi-4721	49	6	sector	sector	NOUN
ajebi-4721	49	7	of	of	ADP
ajebi-4721	49	8	the	the	DET
ajebi-4721	49	9	emerging	emerge	VERB
ajebi-4721	49	10	economy	economy	NOUN
ajebi-4721	49	11	is	be	AUX
ajebi-4721	49	12	faced	face	VERB
ajebi-4721	49	13	with	with	ADP
ajebi-4721	49	14	the	the	DET
ajebi-4721	49	15	challenge	challenge	NOUN
ajebi-4721	49	16	of	of	ADP
ajebi-4721	49	17	adopting	adopt	VERB
ajebi-4721	49	18	digital	digital	ADJ
ajebi-4721	49	19	technology	technology	NOUN
ajebi-4721	49	20	,	,	PUNCT
ajebi-4721	49	21	low	low	ADJ
ajebi-4721	49	22	levels	level	NOUN
ajebi-4721	49	23	of	of	ADP
ajebi-4721	49	24	formal	formal	ADJ
ajebi-4721	49	25	financial	financial	ADJ
ajebi-4721	49	26	services	service	NOUN
ajebi-4721	49	27	,	,	PUNCT
ajebi-4721	49	28	low	low	ADJ
ajebi-4721	49	29	financial	financial	ADJ
ajebi-4721	49	30	literacy	literacy	NOUN
ajebi-4721	49	31	,	,	PUNCT
ajebi-4721	49	32	and	and	CCONJ
ajebi-4721	49	33	poorly	poorly	ADV
ajebi-4721	49	34	developed	develop	VERB
ajebi-4721	49	35	technology	technology	NOUN
ajebi-4721	49	36	(	(	PUNCT
ajebi-4721	49	37	ilo	ilo	NOUN
ajebi-4721	49	38	,	,	PUNCT
ajebi-4721	49	39	2022	2022	NUM
ajebi-4721	49	40	)	)	PUNCT
ajebi-4721	49	41	.	.	PUNCT
ajebi-4721	50	1	further	far	ADV
ajebi-4721	50	2	,	,	PUNCT
ajebi-4721	50	3	the	the	DET
ajebi-4721	50	4	imf	imf	PROPN
ajebi-4721	50	5	(	(	PUNCT
ajebi-4721	50	6	2011	2011	NUM
ajebi-4721	50	7	)	)	PUNCT
ajebi-4721	50	8	noted	note	VERB
ajebi-4721	50	9	that	that	SCONJ
ajebi-4721	50	10	there	there	PRON
ajebi-4721	50	11	are	be	VERB
ajebi-4721	50	12	inherent	inherent	ADJ
ajebi-4721	50	13	risks	risk	NOUN
ajebi-4721	50	14	in	in	ADP
ajebi-4721	50	15	the	the	DET
ajebi-4721	50	16	operations	operation	NOUN
ajebi-4721	50	17	of	of	ADP
ajebi-4721	50	18	financial	financial	ADJ
ajebi-4721	50	19	institutions	institution	NOUN
ajebi-4721	50	20	due	due	ADP
ajebi-4721	50	21	to	to	ADP
ajebi-4721	50	22	their	their	PRON
ajebi-4721	50	23	exposure	exposure	NOUN
ajebi-4721	50	24	to	to	ADP
ajebi-4721	50	25	high	high	ADJ
ajebi-4721	50	26	credit	credit	NOUN
ajebi-4721	50	27	risk	risk	NOUN
ajebi-4721	50	28	.	.	PUNCT
ajebi-4721	51	1	also	also	ADV
ajebi-4721	51	2	,	,	PUNCT
ajebi-4721	51	3	governments	government	NOUN
ajebi-4721	51	4	dominate	dominate	VERB
ajebi-4721	51	5	economic	economic	ADJ
ajebi-4721	51	6	activity	activity	NOUN
ajebi-4721	51	7	in	in	ADP
ajebi-4721	51	8	the	the	DET
ajebi-4721	51	9	financial	financial	ADJ
ajebi-4721	51	10	sector	sector	NOUN
ajebi-4721	51	11	of	of	ADP
ajebi-4721	51	12	most	most	ADJ
ajebi-4721	51	13	developing	develop	VERB
ajebi-4721	51	14	economies	economy	NOUN
ajebi-4721	51	15	,	,	PUNCT
ajebi-4721	51	16	creating	create	VERB
ajebi-4721	51	17	weaknesses	weakness	NOUN
ajebi-4721	51	18	in	in	ADP
ajebi-4721	51	19	fiscal	fiscal	ADJ
ajebi-4721	51	20	management	management	NOUN
ajebi-4721	51	21	and	and	CCONJ
ajebi-4721	51	22	increasing	increase	VERB
ajebi-4721	51	23	vulnerabilities	vulnerability	NOUN
ajebi-4721	51	24	in	in	ADP
ajebi-4721	51	25	the	the	DET
ajebi-4721	51	26	banking	banking	NOUN
ajebi-4721	51	27	sector	sector	NOUN
ajebi-4721	51	28	.	.	PUNCT
ajebi-4721	52	1	additionally	additionally	ADV
ajebi-4721	52	2	,	,	PUNCT
ajebi-4721	52	3	the	the	DET
ajebi-4721	52	4	financial	financial	ADJ
ajebi-4721	52	5	sector	sector	NOUN
ajebi-4721	52	6	of	of	ADP
ajebi-4721	52	7	most	most	ADJ
ajebi-4721	52	8	developing	develop	VERB
ajebi-4721	52	9	economies	economy	NOUN
ajebi-4721	52	10	tends	tend	VERB
ajebi-4721	52	11	to	to	PART
ajebi-4721	52	12	suffer	suffer	VERB
ajebi-4721	52	13	heavily	heavily	ADV
ajebi-4721	52	14	in	in	ADP
ajebi-4721	52	15	times	time	NOUN
ajebi-4721	52	16	of	of	ADP
ajebi-4721	52	17	unfavourable	unfavourable	ADJ
ajebi-4721	52	18	government	government	NOUN
ajebi-4721	52	19	economic	economic	ADJ
ajebi-4721	52	20	reform	reform	NOUN
ajebi-4721	52	21	policies	policy	NOUN
ajebi-4721	52	22	.	.	PUNCT
ajebi-4721	53	1	according	accord	VERB
ajebi-4721	53	2	to	to	ADP
ajebi-4721	53	3	ahinsah	ahinsah	NOUN
ajebi-4721	53	4	-	-	PUNCT
ajebi-4721	53	5	wobil	wobil	NOUN
ajebi-4721	53	6	(	(	PUNCT
ajebi-4721	53	7	2023	2023	NUM
ajebi-4721	53	8	)	)	PUNCT
ajebi-4721	53	9	,	,	PUNCT
ajebi-4721	53	10	the	the	DET
ajebi-4721	53	11	2022	2022	NUM
ajebi-4721	53	12	financial	financial	ADJ
ajebi-4721	53	13	statements	statement	NOUN
ajebi-4721	53	14	of	of	ADP
ajebi-4721	53	15	the	the	DET
ajebi-4721	53	16	majority	majority	NOUN
ajebi-4721	53	17	of	of	ADP
ajebi-4721	53	18	financial	financial	ADJ
ajebi-4721	53	19	institutions	institution	NOUN
ajebi-4721	53	20	in	in	ADP
ajebi-4721	53	21	ghana	ghana	PROPN
ajebi-4721	53	22	recorded	record	VERB
ajebi-4721	53	23	losses	loss	NOUN
ajebi-4721	53	24	,	,	PUNCT
ajebi-4721	53	25	causing	cause	VERB
ajebi-4721	53	26	much	much	ADJ
ajebi-4721	53	27	concern	concern	NOUN
ajebi-4721	53	28	and	and	CCONJ
ajebi-4721	53	29	speculation	speculation	NOUN
ajebi-4721	53	30	about	about	ADP
ajebi-4721	53	31	the	the	DET
ajebi-4721	53	32	future	future	NOUN
ajebi-4721	53	33	of	of	ADP
ajebi-4721	53	34	these	these	DET
ajebi-4721	53	35	financial	financial	ADJ
ajebi-4721	53	36	institutions	institution	NOUN
ajebi-4721	53	37	in	in	ADP
ajebi-4721	53	38	the	the	DET
ajebi-4721	53	39	coming	come	VERB
ajebi-4721	53	40	years	year	NOUN
ajebi-4721	53	41	.	.	PUNCT
ajebi-4721	54	1	this	this	PRON
ajebi-4721	54	2	is	be	AUX
ajebi-4721	54	3	believed	believe	VERB
ajebi-4721	54	4	to	to	PART
ajebi-4721	54	5	be	be	AUX
ajebi-4721	54	6	the	the	DET
ajebi-4721	54	7	cause	cause	NOUN
ajebi-4721	54	8	of	of	ADP
ajebi-4721	54	9	the	the	DET
ajebi-4721	54	10	domestic	domestic	ADJ
ajebi-4721	54	11	debt	debt	NOUN
ajebi-4721	54	12	exchange	exchange	NOUN
ajebi-4721	54	13	programme	programme	NOUN
ajebi-4721	54	14	(	(	PUNCT
ajebi-4721	54	15	ddep	ddep	NOUN
ajebi-4721	54	16	)	)	PUNCT
ajebi-4721	54	17	of	of	ADP
ajebi-4721	54	18	the	the	DET
ajebi-4721	54	19	ghana	ghana	PROPN
ajebi-4721	54	20	government	government	NOUN
ajebi-4721	54	21	,	,	PUNCT
ajebi-4721	54	22	which	which	PRON
ajebi-4721	54	23	has	have	AUX
ajebi-4721	54	24	impacted	impact	VERB
ajebi-4721	54	25	negatively	negatively	ADV
ajebi-4721	54	26	on	on	ADP
ajebi-4721	54	27	their	their	PRON
ajebi-4721	54	28	profitability	profitability	NOUN
ajebi-4721	54	29	position	position	NOUN
ajebi-4721	54	30	.	.	PUNCT
ajebi-4721	55	1	the	the	DET
ajebi-4721	55	2	ddep	ddep	PROPN
ajebi-4721	55	3	program	program	NOUN
ajebi-4721	55	4	was	be	AUX
ajebi-4721	55	5	introduced	introduce	VERB
ajebi-4721	55	6	in	in	ADP
ajebi-4721	55	7	2022	2022	NUM
ajebi-4721	55	8	to	to	PART
ajebi-4721	55	9	manage	manage	VERB
ajebi-4721	55	10	the	the	DET
ajebi-4721	55	11	country	country	NOUN
ajebi-4721	55	12	’s	’s	PART
ajebi-4721	55	13	domestic	domestic	ADJ
ajebi-4721	55	14	debt	debt	NOUN
ajebi-4721	55	15	.	.	PUNCT
ajebi-4721	56	1	it	it	PRON
ajebi-4721	56	2	is	be	AUX
ajebi-4721	56	3	in	in	ADP
ajebi-4721	56	4	line	line	NOUN
ajebi-4721	56	5	with	with	ADP
ajebi-4721	56	6	the	the	DET
ajebi-4721	56	7	identified	identify	VERB
ajebi-4721	56	8	features	feature	NOUN
ajebi-4721	56	9	of	of	ADP
ajebi-4721	56	10	the	the	DET
ajebi-4721	56	11	financial	financial	ADJ
ajebi-4721	56	12	sector	sector	NOUN
ajebi-4721	56	13	of	of	ADP
ajebi-4721	56	14	the	the	DET
ajebi-4721	56	15	developing	develop	VERB
ajebi-4721	56	16	economies	economy	NOUN
ajebi-4721	56	17	that	that	SCONJ
ajebi-4721	56	18	this	this	DET
ajebi-4721	56	19	study	study	NOUN
ajebi-4721	56	20	is	be	AUX
ajebi-4721	56	21	conducted	conduct	VERB
ajebi-4721	56	22	to	to	PART
ajebi-4721	56	23	provide	provide	VERB
ajebi-4721	56	24	a	a	DET
ajebi-4721	56	25	deeper	deep	ADJ
ajebi-4721	56	26	understanding	understanding	NOUN
ajebi-4721	56	27	of	of	ADP
ajebi-4721	56	28	the	the	DET
ajebi-4721	56	29	characteristics	characteristic	NOUN
ajebi-4721	56	30	of	of	ADP
ajebi-4721	56	31	the	the	DET
ajebi-4721	56	32	financial	financial	ADJ
ajebi-4721	56	33	sector	sector	NOUN
ajebi-4721	56	34	of	of	ADP
ajebi-4721	56	35	the	the	DET
ajebi-4721	56	36	emerging	emerge	VERB
ajebi-4721	56	37	market	market	NOUN
ajebi-4721	56	38	.	.	PUNCT
ajebi-4721	57	1	to	to	PART
ajebi-4721	57	2	achieve	achieve	VERB
ajebi-4721	57	3	this	this	PRON
ajebi-4721	57	4	,	,	PUNCT
ajebi-4721	57	5	the	the	DET
ajebi-4721	57	6	study	study	NOUN
ajebi-4721	57	7	establishes	establish	VERB
ajebi-4721	57	8	the	the	DET
ajebi-4721	57	9	old	old	ADJ
ajebi-4721	57	10	and	and	CCONJ
ajebi-4721	57	11	new	new	ADJ
ajebi-4721	57	12	realities	reality	NOUN
ajebi-4721	57	13	of	of	ADP
ajebi-4721	57	14	the	the	DET
ajebi-4721	57	15	financial	financial	ADJ
ajebi-4721	57	16	sector	sector	NOUN
ajebi-4721	57	17	of	of	ADP
ajebi-4721	57	18	developing	develop	VERB
ajebi-4721	57	19	economies	economy	NOUN
ajebi-4721	57	20	,	,	PUNCT
ajebi-4721	57	21	analyzes	analyze	VERB
ajebi-4721	57	22	technology	technology	NOUN
ajebi-4721	57	23	impacts	impact	NOUN
ajebi-4721	57	24	on	on	ADP
ajebi-4721	57	25	the	the	DET
ajebi-4721	57	26	financial	financial	ADJ
ajebi-4721	57	27	sector	sector	NOUN
ajebi-4721	57	28	of	of	ADP
ajebi-4721	57	29	emerging	emerge	VERB
ajebi-4721	57	30	markets	market	NOUN
ajebi-4721	57	31	,	,	PUNCT
ajebi-4721	57	32	and	and	CCONJ
ajebi-4721	57	33	develops	develop	VERB
ajebi-4721	57	34	a	a	DET
ajebi-4721	57	35	model	model	NOUN
ajebi-4721	57	36	on	on	ADP
ajebi-4721	57	37	how	how	SCONJ
ajebi-4721	57	38	capitalizing	capitalize	VERB
ajebi-4721	57	39	on	on	ADP
ajebi-4721	57	40	technology	technology	NOUN
ajebi-4721	57	41	can	can	AUX
ajebi-4721	57	42	help	help	VERB
ajebi-4721	57	43	developing	develop	VERB
ajebi-4721	57	44	economies	economy	NOUN
ajebi-4721	57	45	grow	grow	VERB
ajebi-4721	57	46	their	their	PRON
ajebi-4721	57	47	financial	financial	ADJ
ajebi-4721	57	48	sector	sector	NOUN
ajebi-4721	57	49	and	and	CCONJ
ajebi-4721	57	50	promote	promote	VERB
ajebi-4721	57	51	financial	financial	ADJ
ajebi-4721	57	52	inclusion	inclusion	NOUN
ajebi-4721	57	53	.	.	PUNCT
ajebi-4721	58	1	literature	literature	NOUN
ajebi-4721	58	2	review	review	PROPN
ajebi-4721	58	3	technology	technology	NOUN
ajebi-4721	58	4	evolution	evolution	NOUN
ajebi-4721	58	5	in	in	ADP
ajebi-4721	58	6	the	the	DET
ajebi-4721	58	7	financial	financial	ADJ
ajebi-4721	58	8	sector	sector	NOUN
ajebi-4721	58	9	of	of	ADP
ajebi-4721	58	10	most	most	ADJ
ajebi-4721	58	11	developing	develop	VERB
ajebi-4721	58	12	economies	economy	NOUN
ajebi-4721	58	13	has	have	AUX
ajebi-4721	58	14	brought	bring	VERB
ajebi-4721	58	15	about	about	ADP
ajebi-4721	58	16	a	a	DET
ajebi-4721	58	17	complete	complete	ADJ
ajebi-4721	58	18	paradigm	paradigm	NOUN
ajebi-4721	58	19	shift	shift	NOUN
ajebi-4721	58	20	in	in	ADP
ajebi-4721	58	21	the	the	DET
ajebi-4721	58	22	functioning	functioning	NOUN
ajebi-4721	58	23	,	,	PUNCT
ajebi-4721	58	24	product	product	NOUN
ajebi-4721	58	25	development	development	NOUN
ajebi-4721	58	26	,	,	PUNCT
ajebi-4721	58	27	and	and	CCONJ
ajebi-4721	58	28	service	service	NOUN
ajebi-4721	58	29	delivery	delivery	NOUN
ajebi-4721	58	30	.	.	PUNCT
ajebi-4721	59	1	formally	formally	ADV
ajebi-4721	59	2	,	,	PUNCT
ajebi-4721	59	3	customers	customer	NOUN
ajebi-4721	59	4	needing	need	VERB
ajebi-4721	59	5	financial	financial	ADJ
ajebi-4721	59	6	services	service	NOUN
ajebi-4721	59	7	or	or	CCONJ
ajebi-4721	59	8	products	product	NOUN
ajebi-4721	59	9	from	from	ADP
ajebi-4721	59	10	financial	financial	ADJ
ajebi-4721	59	11	institutions	institution	NOUN
ajebi-4721	59	12	in	in	ADP
ajebi-4721	59	13	developing	develop	VERB
ajebi-4721	59	14	economies	economy	NOUN
ajebi-4721	59	15	were	be	AUX
ajebi-4721	59	16	required	require	VERB
ajebi-4721	59	17	to	to	PART
ajebi-4721	59	18	visit	visit	VERB
ajebi-4721	59	19	the	the	DET
ajebi-4721	59	20	bank	bank	NOUN
ajebi-4721	59	21	.	.	PUNCT
ajebi-4721	60	1	presently	presently	ADV
ajebi-4721	60	2	,	,	PUNCT
ajebi-4721	60	3	technology	technology	NOUN
ajebi-4721	60	4	is	be	AUX
ajebi-4721	60	5	not	not	PART
ajebi-4721	60	6	only	only	ADV
ajebi-4721	60	7	an	an	DET
ajebi-4721	60	8	enabler	enabler	NOUN
ajebi-4721	60	9	but	but	CCONJ
ajebi-4721	60	10	also	also	ADV
ajebi-4721	60	11	a	a	DET
ajebi-4721	60	12	service	service	NOUN
ajebi-4721	60	13	driver	driver	NOUN
ajebi-4721	60	14	.	.	PUNCT
ajebi-4721	61	1	the	the	DET
ajebi-4721	61	2	rapid	rapid	ADJ
ajebi-4721	61	3	growth	growth	NOUN
ajebi-4721	61	4	of	of	ADP
ajebi-4721	61	5	mobile	mobile	ADJ
ajebi-4721	61	6	phones	phone	NOUN
ajebi-4721	61	7	,	,	PUNCT
ajebi-4721	61	8	telecommunications	telecommunication	NOUN
ajebi-4721	61	9	,	,	PUNCT
ajebi-4721	61	10	and	and	CCONJ
ajebi-4721	61	11	the	the	DET
ajebi-4721	61	12	internet	internet	NOUN
ajebi-4721	61	13	has	have	AUX
ajebi-4721	61	14	added	add	VERB
ajebi-4721	61	15	a	a	DET
ajebi-4721	61	16	new	new	ADJ
ajebi-4721	61	17	dimension	dimension	NOUN
ajebi-4721	61	18	to	to	ADP
ajebi-4721	61	19	the	the	DET
ajebi-4721	61	20	financial	financial	ADJ
ajebi-4721	61	21	sector	sector	NOUN
ajebi-4721	61	22	of	of	ADP
ajebi-4721	61	23	emerging	emerge	VERB
ajebi-4721	61	24	markets	market	NOUN
ajebi-4721	61	25	.	.	PUNCT
ajebi-4721	62	1	according	accord	VERB
ajebi-4721	62	2	to	to	ADP
ajebi-4721	62	3	mohideen	mohideen	PROPN
ajebi-4721	62	4	et	et	PROPN
ajebi-4721	62	5	al	al	PROPN
ajebi-4721	62	6	.	.	PROPN
ajebi-4721	63	1	(	(	PUNCT
ajebi-4721	63	2	2018	2018	NUM
ajebi-4721	63	3	)	)	PUNCT
ajebi-4721	63	4	,	,	PUNCT
ajebi-4721	63	5	technology	technology	NOUN
ajebi-4721	63	6	has	have	AUX
ajebi-4721	63	7	transformed	transform	VERB
ajebi-4721	63	8	the	the	DET
ajebi-4721	63	9	global	global	ADJ
ajebi-4721	63	10	economy	economy	NOUN
ajebi-4721	63	11	,	,	PUNCT
ajebi-4721	63	12	making	make	VERB
ajebi-4721	63	13	it	it	PRON
ajebi-4721	63	14	easier	easy	ADJ
ajebi-4721	63	15	to	to	PART
ajebi-4721	63	16	transfer	transfer	VERB
ajebi-4721	63	17	knowledge	knowledge	NOUN
ajebi-4721	63	18	,	,	PUNCT
ajebi-4721	63	19	allowing	allow	VERB
ajebi-4721	63	20	emerging	emerge	VERB
ajebi-4721	63	21	markets	market	NOUN
ajebi-4721	63	22	,	,	PUNCT
ajebi-4721	63	23	in	in	ADP
ajebi-4721	63	24	some	some	DET
ajebi-4721	63	25	cases	case	NOUN
ajebi-4721	63	26	,	,	PUNCT
ajebi-4721	63	27	to	to	PART
ajebi-4721	63	28	be	be	AUX
ajebi-4721	63	29	more	more	ADV
ajebi-4721	63	30	agile	agile	ADJ
ajebi-4721	63	31	and	and	CCONJ
ajebi-4721	63	32	innovative	innovative	ADJ
ajebi-4721	63	33	than	than	ADP
ajebi-4721	63	34	pa	pa	PROPN
ajebi-4721	63	35	ge	ge	PROPN
ajebi-4721	63	36	99	99	NUM
ajebi-4721	63	37	https://journals.e-palli.com/home/index.php/ajebi	https://journals.e-palli.com/home/index.php/ajebi	NUM
ajebi-4721	63	38	am	am	NOUN
ajebi-4721	63	39	.	.	PUNCT
ajebi-4721	64	1	j.	j.	PROPN
ajebi-4721	64	2	econ	econ	PROPN
ajebi-4721	64	3	.	.	PUNCT
ajebi-4721	64	4	bus	bus	PROPN
ajebi-4721	64	5	.	.	PUNCT
ajebi-4721	65	1	innov	innov	PROPN
ajebi-4721	65	2	.	.	PUNCT
ajebi-4721	66	1	4(3	4(3	NUM
ajebi-4721	66	2	)	)	PUNCT
ajebi-4721	66	3	97	97	NUM
ajebi-4721	66	4	-	-	SYM
ajebi-4721	66	5	106	106	NUM
ajebi-4721	66	6	,	,	PUNCT
ajebi-4721	66	7	2025	2025	NUM
ajebi-4721	66	8	developed	develop	VERB
ajebi-4721	66	9	economies	economy	NOUN
ajebi-4721	66	10	,	,	PUNCT
ajebi-4721	66	11	and	and	CCONJ
ajebi-4721	66	12	giving	give	VERB
ajebi-4721	66	13	developing	develop	VERB
ajebi-4721	66	14	economies	economy	NOUN
ajebi-4721	66	15	a	a	DET
ajebi-4721	66	16	competitive	competitive	ADJ
ajebi-4721	66	17	advantage	advantage	NOUN
ajebi-4721	66	18	.	.	PUNCT
ajebi-4721	67	1	mohideen	mohideen	NOUN
ajebi-4721	67	2	et	et	PROPN
ajebi-4721	67	3	al	al	PROPN
ajebi-4721	67	4	.	.	PROPN
ajebi-4721	68	1	(	(	PUNCT
ajebi-4721	68	2	2018	2018	NUM
ajebi-4721	68	3	)	)	PUNCT
ajebi-4721	68	4	further	far	ADV
ajebi-4721	68	5	noted	note	VERB
ajebi-4721	68	6	that	that	SCONJ
ajebi-4721	68	7	technology	technology	NOUN
ajebi-4721	68	8	has	have	AUX
ajebi-4721	68	9	moved	move	VERB
ajebi-4721	68	10	from	from	ADP
ajebi-4721	68	11	being	be	AUX
ajebi-4721	68	12	a	a	DET
ajebi-4721	68	13	challenge	challenge	NOUN
ajebi-4721	68	14	to	to	ADP
ajebi-4721	68	15	being	be	AUX
ajebi-4721	68	16	a	a	DET
ajebi-4721	68	17	critical	critical	ADJ
ajebi-4721	68	18	enabler	enabler	NOUN
ajebi-4721	68	19	that	that	PRON
ajebi-4721	68	20	presents	present	VERB
ajebi-4721	68	21	opportunities	opportunity	NOUN
ajebi-4721	68	22	to	to	PART
ajebi-4721	68	23	address	address	VERB
ajebi-4721	68	24	the	the	DET
ajebi-4721	68	25	challenges	challenge	NOUN
ajebi-4721	68	26	that	that	PRON
ajebi-4721	68	27	many	many	ADJ
ajebi-4721	68	28	industries	industry	NOUN
ajebi-4721	68	29	face	face	VERB
ajebi-4721	68	30	,	,	PUNCT
ajebi-4721	68	31	creating	create	VERB
ajebi-4721	68	32	the	the	DET
ajebi-4721	68	33	opportunity	opportunity	NOUN
ajebi-4721	68	34	to	to	PART
ajebi-4721	68	35	and	and	CCONJ
ajebi-4721	68	36	the	the	DET
ajebi-4721	68	37	ability	ability	NOUN
ajebi-4721	68	38	to	to	PART
ajebi-4721	68	39	work	work	VERB
ajebi-4721	68	40	in	in	ADP
ajebi-4721	68	41	real	real	ADJ
ajebi-4721	68	42	-	-	PUNCT
ajebi-4721	68	43	time	time	NOUN
ajebi-4721	68	44	,	,	PUNCT
ajebi-4721	68	45	at	at	ADP
ajebi-4721	68	46	scale	scale	NOUN
ajebi-4721	68	47	,	,	PUNCT
ajebi-4721	68	48	and	and	CCONJ
ajebi-4721	68	49	at	at	ADP
ajebi-4721	68	50	near	near	ADV
ajebi-4721	68	51	-	-	PUNCT
ajebi-4721	68	52	zero	zero	NUM
ajebi-4721	68	53	marginal	marginal	ADJ
ajebi-4721	68	54	cost	cost	NOUN
ajebi-4721	68	55	.	.	PUNCT
ajebi-4721	69	1	also	also	ADV
ajebi-4721	69	2	,	,	PUNCT
ajebi-4721	69	3	global	global	ADJ
ajebi-4721	69	4	connectivity	connectivity	NOUN
ajebi-4721	69	5	has	have	AUX
ajebi-4721	69	6	been	be	AUX
ajebi-4721	69	7	digital	digital	ADJ
ajebi-4721	69	8	technology	technology	NOUN
ajebi-4721	69	9	advancement	advancement	NOUN
ajebi-4721	69	10	.	.	PUNCT
ajebi-4721	70	1	in	in	ADP
ajebi-4721	70	2	addition	addition	NOUN
ajebi-4721	70	3	,	,	PUNCT
ajebi-4721	70	4	most	most	ADJ
ajebi-4721	70	5	developing	develop	VERB
ajebi-4721	70	6	economies	economy	NOUN
ajebi-4721	70	7	in	in	ADP
ajebi-4721	70	8	african	african	PROPN
ajebi-4721	70	9	has	have	AUX
ajebi-4721	70	10	over	over	ADP
ajebi-4721	70	11	73	73	NUM
ajebi-4721	70	12	%	%	NOUN
ajebi-4721	70	13	of	of	ADP
ajebi-4721	70	14	its	its	PRON
ajebi-4721	70	15	population	population	NOUN
ajebi-4721	70	16	using	use	VERB
ajebi-4721	70	17	mobile	mobile	ADJ
ajebi-4721	70	18	phones	phone	NOUN
ajebi-4721	70	19	to	to	PART
ajebi-4721	70	20	perform	perform	VERB
ajebi-4721	70	21	over	over	ADP
ajebi-4721	70	22	300	300	NUM
ajebi-4721	70	23	million	million	NUM
ajebi-4721	70	24	financial	financial	ADJ
ajebi-4721	70	25	transactions	transaction	NOUN
ajebi-4721	70	26	daily	daily	ADV
ajebi-4721	70	27	(	(	PUNCT
ajebi-4721	70	28	oece	oece	PROPN
ajebi-4721	70	29	,	,	PUNCT
ajebi-4721	70	30	2022	2022	NUM
ajebi-4721	70	31	)	)	PUNCT
ajebi-4721	70	32	.	.	PUNCT
ajebi-4721	71	1	however	however	ADV
ajebi-4721	71	2	,	,	PUNCT
ajebi-4721	71	3	there	there	PRON
ajebi-4721	71	4	fear	fear	VERB
ajebi-4721	71	5	is	be	AUX
ajebi-4721	71	6	that	that	SCONJ
ajebi-4721	71	7	digital	digital	ADJ
ajebi-4721	71	8	technology	technology	NOUN
ajebi-4721	71	9	could	could	AUX
ajebi-4721	71	10	heighten	heighten	VERB
ajebi-4721	71	11	existing	exist	VERB
ajebi-4721	71	12	inequalities	inequality	NOUN
ajebi-4721	71	13	in	in	ADP
ajebi-4721	71	14	developing	develop	VERB
ajebi-4721	71	15	economies	economy	NOUN
ajebi-4721	71	16	(	(	PUNCT
ajebi-4721	71	17	oecd	oecd	PROPN
ajebi-4721	71	18	,	,	PUNCT
ajebi-4721	71	19	2021	2021	NUM
ajebi-4721	71	20	)	)	PUNCT
ajebi-4721	71	21	.	.	PUNCT
ajebi-4721	72	1	although	although	SCONJ
ajebi-4721	72	2	digital	digital	ADJ
ajebi-4721	72	3	technology	technology	NOUN
ajebi-4721	72	4	advancement	advancement	NOUN
ajebi-4721	72	5	has	have	AUX
ajebi-4721	72	6	changed	change	VERB
ajebi-4721	72	7	activities	activity	NOUN
ajebi-4721	72	8	in	in	ADP
ajebi-4721	72	9	the	the	DET
ajebi-4721	72	10	financial	financial	ADJ
ajebi-4721	72	11	sector	sector	NOUN
ajebi-4721	72	12	,	,	PUNCT
ajebi-4721	72	13	its	its	PRON
ajebi-4721	72	14	core	core	NOUN
ajebi-4721	72	15	activities	activity	NOUN
ajebi-4721	72	16	and	and	CCONJ
ajebi-4721	72	17	objective	objective	NOUN
ajebi-4721	72	18	have	have	AUX
ajebi-4721	72	19	not	not	PART
ajebi-4721	72	20	changed	change	VERB
ajebi-4721	72	21	(	(	PUNCT
ajebi-4721	72	22	bernanke	bernanke	PROPN
ajebi-4721	72	23	,	,	PUNCT
ajebi-4721	72	24	2013	2013	NUM
ajebi-4721	72	25	)	)	PUNCT
ajebi-4721	72	26	.	.	PUNCT
ajebi-4721	73	1	through	through	ADP
ajebi-4721	73	2	the	the	DET
ajebi-4721	73	3	financial	financial	ADJ
ajebi-4721	73	4	sector	sector	NOUN
ajebi-4721	73	5	,	,	PUNCT
ajebi-4721	73	6	developing	develop	VERB
ajebi-4721	73	7	economies	economy	NOUN
ajebi-4721	73	8	can	can	AUX
ajebi-4721	73	9	informally	informally	ADV
ajebi-4721	73	10	or	or	CCONJ
ajebi-4721	73	11	formally	formally	ADV
ajebi-4721	73	12	shift	shift	VERB
ajebi-4721	73	13	or	or	CCONJ
ajebi-4721	73	14	spread	spread	VERB
ajebi-4721	73	15	the	the	DET
ajebi-4721	73	16	financial	financial	ADJ
ajebi-4721	73	17	consequences	consequence	NOUN
ajebi-4721	73	18	of	of	ADP
ajebi-4721	73	19	specific	specific	ADJ
ajebi-4721	73	20	risks	risk	NOUN
ajebi-4721	73	21	from	from	ADP
ajebi-4721	73	22	one	one	NUM
ajebi-4721	73	23	party	party	NOUN
ajebi-4721	73	24	to	to	ADP
ajebi-4721	73	25	another	another	PRON
ajebi-4721	73	26	by	by	ADP
ajebi-4721	73	27	enabling	enable	VERB
ajebi-4721	73	28	governments	government	NOUN
ajebi-4721	73	29	,	,	PUNCT
ajebi-4721	73	30	communities	community	NOUN
ajebi-4721	73	31	,	,	PUNCT
ajebi-4721	73	32	households	household	NOUN
ajebi-4721	73	33	,	,	PUNCT
ajebi-4721	73	34	and	and	CCONJ
ajebi-4721	73	35	enterprises	enterprise	NOUN
ajebi-4721	73	36	to	to	PART
ajebi-4721	73	37	obtain	obtain	VERB
ajebi-4721	73	38	resources	resource	NOUN
ajebi-4721	73	39	from	from	ADP
ajebi-4721	73	40	the	the	DET
ajebi-4721	73	41	other	other	ADJ
ajebi-4721	73	42	party	party	NOUN
ajebi-4721	73	43	when	when	SCONJ
ajebi-4721	73	44	the	the	DET
ajebi-4721	73	45	need	need	NOUN
ajebi-4721	73	46	arises	arise	VERB
ajebi-4721	73	47	in	in	ADP
ajebi-4721	73	48	exchange	exchange	NOUN
ajebi-4721	73	49	for	for	ADP
ajebi-4721	73	50	social	social	ADJ
ajebi-4721	73	51	or	or	CCONJ
ajebi-4721	73	52	financial	financial	ADJ
ajebi-4721	73	53	benefits	benefit	NOUN
ajebi-4721	73	54	(	(	PUNCT
ajebi-4721	73	55	undrr	undrr	NOUN
ajebi-4721	73	56	,	,	PUNCT
ajebi-4721	73	57	2017	2017	NUM
ajebi-4721	73	58	)	)	PUNCT
ajebi-4721	73	59	.	.	PUNCT
ajebi-4721	74	1	additionally	additionally	ADV
ajebi-4721	74	2	,	,	PUNCT
ajebi-4721	74	3	the	the	DET
ajebi-4721	74	4	financial	financial	ADJ
ajebi-4721	74	5	sector	sector	NOUN
ajebi-4721	74	6	promotes	promote	VERB
ajebi-4721	74	7	value	value	NOUN
ajebi-4721	74	8	exchange	exchange	NOUN
ajebi-4721	74	9	in	in	ADP
ajebi-4721	74	10	developing	develop	VERB
ajebi-4721	74	11	economies	economy	NOUN
ajebi-4721	74	12	through	through	ADP
ajebi-4721	74	13	the	the	DET
ajebi-4721	74	14	provision	provision	NOUN
ajebi-4721	74	15	of	of	ADP
ajebi-4721	74	16	a	a	DET
ajebi-4721	74	17	safe	safe	ADJ
ajebi-4721	74	18	and	and	CCONJ
ajebi-4721	74	19	efficient	efficient	ADJ
ajebi-4721	74	20	payment	payment	NOUN
ajebi-4721	74	21	system	system	NOUN
ajebi-4721	74	22	,	,	PUNCT
ajebi-4721	74	23	which	which	PRON
ajebi-4721	74	24	is	be	AUX
ajebi-4721	74	25	essential	essential	ADJ
ajebi-4721	74	26	to	to	ADP
ajebi-4721	74	27	supporting	support	VERB
ajebi-4721	74	28	the	the	DET
ajebi-4721	74	29	day	day	NOUN
ajebi-4721	74	30	-	-	PUNCT
ajebi-4721	74	31	to	to	ADP
ajebi-4721	74	32	-	-	PUNCT
ajebi-4721	74	33	day	day	NOUN
ajebi-4721	74	34	economic	economic	ADJ
ajebi-4721	74	35	activities	activity	NOUN
ajebi-4721	74	36	of	of	ADP
ajebi-4721	74	37	all	all	DET
ajebi-4721	74	38	developing	develop	VERB
ajebi-4721	74	39	economies	economy	NOUN
ajebi-4721	74	40	.	.	PUNCT
ajebi-4721	75	1	in	in	ADP
ajebi-4721	75	2	2020	2020	NUM
ajebi-4721	75	3	alone	alone	ADV
ajebi-4721	75	4	,	,	PUNCT
ajebi-4721	75	5	ghana	ghana	PROPN
ajebi-4721	75	6	recorded	record	VERB
ajebi-4721	75	7	approximately	approximately	ADV
ajebi-4721	75	8	over	over	ADP
ajebi-4721	75	9	$	$	SYM
ajebi-4721	75	10	4697	4697	NUM
ajebi-4721	75	11	million	million	NUM
ajebi-4721	75	12	in	in	ADP
ajebi-4721	75	13	direct	direct	ADJ
ajebi-4721	75	14	credit	credit	NOUN
ajebi-4721	75	15	transactions	transaction	NOUN
ajebi-4721	75	16	,	,	PUNCT
ajebi-4721	75	17	including	include	VERB
ajebi-4721	75	18	transactions	transaction	NOUN
ajebi-4721	75	19	in	in	ADP
ajebi-4721	75	20	financial	financial	ADJ
ajebi-4721	75	21	assets	asset	NOUN
ajebi-4721	75	22	,	,	PUNCT
ajebi-4721	75	23	non	non	ADJ
ajebi-4721	75	24	-	-	NOUN
ajebi-4721	75	25	cash	cash	NOUN
ajebi-4721	75	26	,	,	PUNCT
ajebi-4721	75	27	and	and	CCONJ
ajebi-4721	75	28	cash	cash	NOUN
ajebi-4721	75	29	payments	payment	NOUN
ajebi-4721	75	30	(	(	PUNCT
ajebi-4721	75	31	bog	bog	NOUN
ajebi-4721	75	32	,	,	PUNCT
ajebi-4721	75	33	2020	2020	NUM
ajebi-4721	75	34	)	)	PUNCT
ajebi-4721	75	35	.	.	PUNCT
ajebi-4721	76	1	ensuring	ensure	VERB
ajebi-4721	76	2	the	the	DET
ajebi-4721	76	3	liquidity	liquidity	NOUN
ajebi-4721	76	4	of	of	ADP
ajebi-4721	76	5	developing	develop	VERB
ajebi-4721	76	6	economies	economy	NOUN
ajebi-4721	76	7	is	be	AUX
ajebi-4721	76	8	very	very	ADV
ajebi-4721	76	9	crucial	crucial	ADJ
ajebi-4721	76	10	,	,	PUNCT
ajebi-4721	76	11	and	and	CCONJ
ajebi-4721	76	12	this	this	PRON
ajebi-4721	76	13	can	can	AUX
ajebi-4721	76	14	only	only	ADV
ajebi-4721	76	15	be	be	AUX
ajebi-4721	76	16	achieved	achieve	VERB
ajebi-4721	76	17	through	through	ADP
ajebi-4721	76	18	an	an	DET
ajebi-4721	76	19	efficient	efficient	ADJ
ajebi-4721	76	20	financial	financial	ADJ
ajebi-4721	76	21	market	market	NOUN
ajebi-4721	76	22	system	system	NOUN
ajebi-4721	76	23	.	.	PUNCT
ajebi-4721	77	1	it	it	PRON
ajebi-4721	77	2	is	be	AUX
ajebi-4721	77	3	important	important	ADJ
ajebi-4721	77	4	to	to	PART
ajebi-4721	77	5	note	note	VERB
ajebi-4721	77	6	that	that	SCONJ
ajebi-4721	77	7	the	the	DET
ajebi-4721	77	8	financial	financial	ADJ
ajebi-4721	77	9	sector	sector	NOUN
ajebi-4721	77	10	is	be	AUX
ajebi-4721	77	11	the	the	DET
ajebi-4721	77	12	major	major	ADJ
ajebi-4721	77	13	provider	provider	NOUN
ajebi-4721	77	14	of	of	ADP
ajebi-4721	77	15	liquidity	liquidity	NOUN
ajebi-4721	77	16	to	to	ADP
ajebi-4721	77	17	businesses	business	NOUN
ajebi-4721	77	18	,	,	PUNCT
ajebi-4721	77	19	individuals	individual	NOUN
ajebi-4721	77	20	,	,	PUNCT
ajebi-4721	77	21	and	and	CCONJ
ajebi-4721	77	22	governments	government	NOUN
ajebi-4721	77	23	and	and	CCONJ
ajebi-4721	77	24	helps	help	VERB
ajebi-4721	77	25	to	to	PART
ajebi-4721	77	26	convert	convert	VERB
ajebi-4721	77	27	assets	asset	NOUN
ajebi-4721	77	28	into	into	ADP
ajebi-4721	77	29	cash	cash	NOUN
ajebi-4721	77	30	without	without	ADP
ajebi-4721	77	31	undue	undue	ADJ
ajebi-4721	77	32	loss	loss	NOUN
ajebi-4721	77	33	of	of	ADP
ajebi-4721	77	34	value	value	NOUN
ajebi-4721	77	35	(	(	PUNCT
ajebi-4721	77	36	rboa	rboa	NOUN
ajebi-4721	77	37	,	,	PUNCT
ajebi-4721	77	38	2014	2014	NUM
ajebi-4721	77	39	)	)	PUNCT
ajebi-4721	77	40	.	.	PUNCT
ajebi-4721	78	1	understanding	understand	VERB
ajebi-4721	78	2	the	the	DET
ajebi-4721	78	3	financial	financial	ADJ
ajebi-4721	78	4	sector	sector	NOUN
ajebi-4721	78	5	of	of	ADP
ajebi-4721	78	6	developing	develop	VERB
ajebi-4721	78	7	economies	economy	NOUN
ajebi-4721	78	8	is	be	AUX
ajebi-4721	78	9	very	very	ADV
ajebi-4721	78	10	important	important	ADJ
ajebi-4721	78	11	in	in	ADP
ajebi-4721	78	12	this	this	DET
ajebi-4721	78	13	study	study	NOUN
ajebi-4721	78	14	.	.	PUNCT
ajebi-4721	79	1	the	the	DET
ajebi-4721	79	2	financial	financial	ADJ
ajebi-4721	79	3	sector	sector	NOUN
ajebi-4721	79	4	of	of	ADP
ajebi-4721	79	5	developing	develop	VERB
ajebi-4721	79	6	economies	economy	NOUN
ajebi-4721	79	7	is	be	AUX
ajebi-4721	79	8	considered	consider	VERB
ajebi-4721	79	9	the	the	DET
ajebi-4721	79	10	set	set	NOUN
ajebi-4721	79	11	of	of	ADP
ajebi-4721	79	12	instruments	instrument	NOUN
ajebi-4721	79	13	,	,	PUNCT
ajebi-4721	79	14	institutions	institution	NOUN
ajebi-4721	79	15	,	,	PUNCT
ajebi-4721	79	16	markets	market	NOUN
ajebi-4721	79	17	,	,	PUNCT
ajebi-4721	79	18	and	and	CCONJ
ajebi-4721	79	19	the	the	DET
ajebi-4721	79	20	legal	legal	ADJ
ajebi-4721	79	21	and	and	CCONJ
ajebi-4721	79	22	regulatory	regulatory	ADJ
ajebi-4721	79	23	framework	framework	NOUN
ajebi-4721	79	24	that	that	PRON
ajebi-4721	79	25	allows	allow	VERB
ajebi-4721	79	26	for	for	SCONJ
ajebi-4721	79	27	transactions	transaction	NOUN
ajebi-4721	79	28	to	to	PART
ajebi-4721	79	29	be	be	AUX
ajebi-4721	79	30	made	make	VERB
ajebi-4721	79	31	by	by	ADP
ajebi-4721	79	32	extending	extend	VERB
ajebi-4721	79	33	credit	credit	NOUN
ajebi-4721	79	34	(	(	PUNCT
ajebi-4721	79	35	world	world	PROPN
ajebi-4721	79	36	bank	bank	PROPN
ajebi-4721	79	37	,	,	PUNCT
ajebi-4721	79	38	2016	2016	NUM
ajebi-4721	79	39	)	)	PUNCT
ajebi-4721	79	40	.	.	PUNCT
ajebi-4721	80	1	fundamentally	fundamentally	ADV
ajebi-4721	80	2	,	,	PUNCT
ajebi-4721	80	3	the	the	DET
ajebi-4721	80	4	financial	financial	ADJ
ajebi-4721	80	5	sector	sector	NOUN
ajebi-4721	80	6	plays	play	VERB
ajebi-4721	80	7	a	a	DET
ajebi-4721	80	8	key	key	ADJ
ajebi-4721	80	9	role	role	NOUN
ajebi-4721	80	10	in	in	ADP
ajebi-4721	80	11	every	every	DET
ajebi-4721	80	12	economy	economy	NOUN
ajebi-4721	80	13	,	,	PUNCT
ajebi-4721	80	14	especially	especially	ADV
ajebi-4721	80	15	developing	develop	VERB
ajebi-4721	80	16	economies	economy	NOUN
ajebi-4721	80	17	,	,	PUNCT
ajebi-4721	80	18	by	by	ADP
ajebi-4721	80	19	promoting	promote	VERB
ajebi-4721	80	20	economic	economic	ADJ
ajebi-4721	80	21	growth	growth	NOUN
ajebi-4721	80	22	and	and	CCONJ
ajebi-4721	80	23	improvement	improvement	NOUN
ajebi-4721	80	24	in	in	ADP
ajebi-4721	80	25	macroeconomic	macroeconomic	ADJ
ajebi-4721	80	26	conditions	condition	NOUN
ajebi-4721	80	27	by	by	ADP
ajebi-4721	80	28	providing	provide	VERB
ajebi-4721	80	29	financial	financial	ADJ
ajebi-4721	80	30	services	service	NOUN
ajebi-4721	80	31	,	,	PUNCT
ajebi-4721	80	32	promoting	promote	VERB
ajebi-4721	80	33	foreign	foreign	ADJ
ajebi-4721	80	34	direct	direct	ADJ
ajebi-4721	80	35	investment	investment	NOUN
ajebi-4721	80	36	,	,	PUNCT
ajebi-4721	80	37	and	and	CCONJ
ajebi-4721	80	38	conserving	conserve	VERB
ajebi-4721	80	39	financial	financial	ADJ
ajebi-4721	80	40	stability	stability	NOUN
ajebi-4721	80	41	(	(	PUNCT
ajebi-4721	80	42	saíd	saíd	PROPN
ajebi-4721	80	43	,	,	PUNCT
ajebi-4721	80	44	1994	1994	NUM
ajebi-4721	80	45	)	)	PUNCT
ajebi-4721	80	46	.	.	PUNCT
ajebi-4721	81	1	however	however	ADV
ajebi-4721	81	2	,	,	PUNCT
ajebi-4721	81	3	according	accord	VERB
ajebi-4721	81	4	to	to	ADP
ajebi-4721	81	5	lópez	lópez	PROPN
ajebi-4721	81	6	et	et	PROPN
ajebi-4721	81	7	al	al	PROPN
ajebi-4721	81	8	.	.	PROPN
ajebi-4721	81	9	(	(	PUNCT
ajebi-4721	81	10	2012	2012	NUM
ajebi-4721	81	11	)	)	PUNCT
ajebi-4721	81	12	,	,	PUNCT
ajebi-4721	81	13	developing	develop	VERB
ajebi-4721	81	14	economies	economy	NOUN
ajebi-4721	81	15	tend	tend	VERB
ajebi-4721	81	16	to	to	PART
ajebi-4721	81	17	experience	experience	VERB
ajebi-4721	81	18	rapid	rapid	ADJ
ajebi-4721	81	19	growth	growth	NOUN
ajebi-4721	81	20	but	but	CCONJ
ajebi-4721	81	21	show	show	VERB
ajebi-4721	81	22	signs	sign	NOUN
ajebi-4721	81	23	of	of	ADP
ajebi-4721	81	24	volatility	volatility	NOUN
ajebi-4721	81	25	,	,	PUNCT
ajebi-4721	81	26	including	include	VERB
ajebi-4721	81	27	those	those	PRON
ajebi-4721	81	28	of	of	ADP
ajebi-4721	81	29	african	african	ADJ
ajebi-4721	81	30	,	,	PUNCT
ajebi-4721	81	31	certain	certain	ADJ
ajebi-4721	81	32	asian	asian	ADJ
ajebi-4721	81	33	,	,	PUNCT
ajebi-4721	81	34	and	and	CCONJ
ajebi-4721	81	35	latin	latin	ADJ
ajebi-4721	81	36	american	american	ADJ
ajebi-4721	81	37	countries	country	NOUN
ajebi-4721	81	38	.	.	PUNCT
ajebi-4721	82	1	in	in	ADP
ajebi-4721	82	2	addition	addition	NOUN
ajebi-4721	82	3	,	,	PUNCT
ajebi-4721	82	4	the	the	DET
ajebi-4721	82	5	financial	financial	ADJ
ajebi-4721	82	6	sector	sector	NOUN
ajebi-4721	82	7	of	of	ADP
ajebi-4721	82	8	developing	develop	VERB
ajebi-4721	82	9	economies	economy	NOUN
ajebi-4721	82	10	is	be	AUX
ajebi-4721	82	11	experiencing	experience	VERB
ajebi-4721	82	12	cutting	cut	VERB
ajebi-4721	82	13	-	-	PUNCT
ajebi-4721	82	14	edge	edge	NOUN
ajebi-4721	82	15	technologies	technology	NOUN
ajebi-4721	82	16	such	such	ADJ
ajebi-4721	82	17	as	as	ADP
ajebi-4721	82	18	artificial	artificial	ADJ
ajebi-4721	82	19	intelligence	intelligence	NOUN
ajebi-4721	82	20	and	and	CCONJ
ajebi-4721	82	21	machine	machine	NOUN
ajebi-4721	82	22	learning	learning	NOUN
ajebi-4721	82	23	,	,	PUNCT
ajebi-4721	82	24	as	as	ADV
ajebi-4721	82	25	well	well	ADV
ajebi-4721	82	26	as	as	ADP
ajebi-4721	82	27	the	the	DET
ajebi-4721	82	28	rapid	rapid	ADJ
ajebi-4721	82	29	expansion	expansion	NOUN
ajebi-4721	82	30	of	of	ADP
ajebi-4721	82	31	fintech	fintech	NOUN
ajebi-4721	82	32	and	and	CCONJ
ajebi-4721	82	33	bigtech	bigtech	NOUN
ajebi-4721	82	34	that	that	PRON
ajebi-4721	82	35	has	have	AUX
ajebi-4721	82	36	accelerated	accelerate	VERB
ajebi-4721	82	37	the	the	DET
ajebi-4721	82	38	digitalization	digitalization	NOUN
ajebi-4721	82	39	of	of	ADP
ajebi-4721	82	40	financial	financial	ADJ
ajebi-4721	82	41	services	service	NOUN
ajebi-4721	82	42	.	.	PUNCT
ajebi-4721	83	1	these	these	DET
ajebi-4721	83	2	cuttingedge	cuttingedge	ADJ
ajebi-4721	83	3	technologies	technology	NOUN
ajebi-4721	83	4	have	have	AUX
ajebi-4721	83	5	affected	affect	VERB
ajebi-4721	83	6	three	three	NUM
ajebi-4721	83	7	areas	area	NOUN
ajebi-4721	83	8	of	of	ADP
ajebi-4721	83	9	the	the	DET
ajebi-4721	83	10	financial	financial	ADJ
ajebi-4721	83	11	sector	sector	NOUN
ajebi-4721	83	12	:	:	PUNCT
ajebi-4721	83	13	disruption	disruption	NOUN
ajebi-4721	83	14	of	of	ADP
ajebi-4721	83	15	payment	payment	NOUN
ajebi-4721	83	16	systems	system	NOUN
ajebi-4721	83	17	due	due	ADP
ajebi-4721	83	18	to	to	ADP
ajebi-4721	83	19	the	the	DET
ajebi-4721	83	20	emergence	emergence	NOUN
ajebi-4721	83	21	of	of	ADP
ajebi-4721	83	22	digital	digital	ADJ
ajebi-4721	83	23	currencies	currency	NOUN
ajebi-4721	83	24	,	,	PUNCT
ajebi-4721	83	25	with	with	ADP
ajebi-4721	83	26	a	a	DET
ajebi-4721	83	27	particular	particular	ADJ
ajebi-4721	83	28	focus	focus	NOUN
ajebi-4721	83	29	on	on	ADP
ajebi-4721	83	30	central	central	ADJ
ajebi-4721	83	31	bank	bank	NOUN
ajebi-4721	83	32	digital	digital	ADJ
ajebi-4721	83	33	currency	currency	NOUN
ajebi-4721	83	34	;	;	PUNCT
ajebi-4721	83	35	electronification	electronification	NOUN
ajebi-4721	83	36	of	of	ADP
ajebi-4721	83	37	securities	security	NOUN
ajebi-4721	83	38	trading	trading	NOUN
ajebi-4721	83	39	and	and	CCONJ
ajebi-4721	83	40	its	its	PRON
ajebi-4721	83	41	effect	effect	NOUN
ajebi-4721	83	42	on	on	ADP
ajebi-4721	83	43	trading	trading	NOUN
ajebi-4721	83	44	costs	cost	NOUN
ajebi-4721	83	45	and	and	CCONJ
ajebi-4721	83	46	market	market	NOUN
ajebi-4721	83	47	quality	quality	NOUN
ajebi-4721	83	48	;	;	PUNCT
ajebi-4721	83	49	and	and	CCONJ
ajebi-4721	83	50	the	the	DET
ajebi-4721	83	51	benefits	benefit	NOUN
ajebi-4721	83	52	and	and	CCONJ
ajebi-4721	83	53	risks	risk	NOUN
ajebi-4721	83	54	of	of	ADP
ajebi-4721	83	55	the	the	DET
ajebi-4721	83	56	use	use	NOUN
ajebi-4721	83	57	of	of	ADP
ajebi-4721	83	58	massive	massive	ADJ
ajebi-4721	83	59	data	datum	NOUN
ajebi-4721	83	60	for	for	ADP
ajebi-4721	83	61	the	the	DET
ajebi-4721	83	62	provision	provision	NOUN
ajebi-4721	83	63	of	of	ADP
ajebi-4721	83	64	financial	financial	ADJ
ajebi-4721	83	65	services	service	NOUN
ajebi-4721	83	66	(	(	PUNCT
ajebi-4721	83	67	xavier	xavier	PROPN
ajebi-4721	83	68	,	,	PUNCT
ajebi-4721	83	69	2022	2022	NUM
ajebi-4721	83	70	)	)	PUNCT
ajebi-4721	83	71	.	.	PUNCT
ajebi-4721	84	1	however	however	ADV
ajebi-4721	84	2	,	,	PUNCT
ajebi-4721	84	3	the	the	DET
ajebi-4721	84	4	significant	significant	ADJ
ajebi-4721	84	5	role	role	NOUN
ajebi-4721	84	6	of	of	ADP
ajebi-4721	84	7	digital	digital	ADJ
ajebi-4721	84	8	technology	technology	NOUN
ajebi-4721	84	9	in	in	ADP
ajebi-4721	84	10	aiding	aid	VERB
ajebi-4721	84	11	developing	develop	VERB
ajebi-4721	84	12	economies	economy	NOUN
ajebi-4721	84	13	to	to	PART
ajebi-4721	84	14	deal	deal	VERB
ajebi-4721	84	15	with	with	ADP
ajebi-4721	84	16	the	the	DET
ajebi-4721	84	17	volatile	volatile	ADJ
ajebi-4721	84	18	nature	nature	NOUN
ajebi-4721	84	19	of	of	ADP
ajebi-4721	84	20	their	their	PRON
ajebi-4721	84	21	financial	financial	ADJ
ajebi-4721	84	22	sector	sector	NOUN
ajebi-4721	84	23	can	can	AUX
ajebi-4721	84	24	not	not	PART
ajebi-4721	84	25	be	be	AUX
ajebi-4721	84	26	overemphasized	overemphasize	VERB
ajebi-4721	84	27	.	.	PUNCT
ajebi-4721	85	1	ilo	ilo	PROPN
ajebi-4721	85	2	(	(	PUNCT
ajebi-4721	85	3	2022	2022	NUM
ajebi-4721	85	4	)	)	PUNCT
ajebi-4721	85	5	believes	believe	VERB
ajebi-4721	85	6	that	that	SCONJ
ajebi-4721	85	7	promoting	promote	VERB
ajebi-4721	85	8	technology	technology	NOUN
ajebi-4721	85	9	in	in	ADP
ajebi-4721	85	10	the	the	DET
ajebi-4721	85	11	finance	finance	NOUN
ajebi-4721	85	12	sector	sector	NOUN
ajebi-4721	85	13	,	,	PUNCT
ajebi-4721	85	14	such	such	ADJ
ajebi-4721	85	15	as	as	ADP
ajebi-4721	85	16	the	the	DET
ajebi-4721	85	17	use	use	NOUN
ajebi-4721	85	18	of	of	ADP
ajebi-4721	85	19	digital	digital	ADJ
ajebi-4721	85	20	finance	finance	NOUN
ajebi-4721	85	21	,	,	PUNCT
ajebi-4721	85	22	creates	create	VERB
ajebi-4721	85	23	opportunities	opportunity	NOUN
ajebi-4721	85	24	to	to	PART
ajebi-4721	85	25	develop	develop	VERB
ajebi-4721	85	26	better	well	ADJ
ajebi-4721	85	27	financial	financial	ADJ
ajebi-4721	85	28	products	product	NOUN
ajebi-4721	85	29	and	and	CCONJ
ajebi-4721	85	30	banking	banking	NOUN
ajebi-4721	85	31	services	service	NOUN
ajebi-4721	85	32	for	for	ADP
ajebi-4721	85	33	consumers	consumer	NOUN
ajebi-4721	85	34	,	,	PUNCT
ajebi-4721	85	35	including	include	VERB
ajebi-4721	85	36	new	new	ADJ
ajebi-4721	85	37	ways	way	NOUN
ajebi-4721	85	38	of	of	ADP
ajebi-4721	85	39	channeling	channel	VERB
ajebi-4721	85	40	funding	funding	NOUN
ajebi-4721	85	41	to	to	ADP
ajebi-4721	85	42	businesses	business	NOUN
ajebi-4721	85	43	,	,	PUNCT
ajebi-4721	85	44	promotes	promote	VERB
ajebi-4721	85	45	financial	financial	ADJ
ajebi-4721	85	46	inclusion	inclusion	NOUN
ajebi-4721	85	47	,	,	PUNCT
ajebi-4721	85	48	supports	support	VERB
ajebi-4721	85	49	economic	economic	ADJ
ajebi-4721	85	50	recovery	recovery	NOUN
ajebi-4721	85	51	,	,	PUNCT
ajebi-4721	85	52	and	and	CCONJ
ajebi-4721	85	53	enables	enable	VERB
ajebi-4721	85	54	structural	structural	ADJ
ajebi-4721	85	55	improvement	improvement	NOUN
ajebi-4721	85	56	and	and	CCONJ
ajebi-4721	85	57	the	the	DET
ajebi-4721	85	58	transition	transition	NOUN
ajebi-4721	85	59	towards	towards	ADP
ajebi-4721	85	60	a	a	DET
ajebi-4721	85	61	green	green	ADJ
ajebi-4721	85	62	economy	economy	NOUN
ajebi-4721	85	63	.	.	PUNCT
ajebi-4721	86	1	also	also	ADV
ajebi-4721	86	2	,	,	PUNCT
ajebi-4721	86	3	ravikumar	ravikumar	PROPN
ajebi-4721	86	4	et	et	PROPN
ajebi-4721	86	5	al	al	PROPN
ajebi-4721	86	6	.	.	PROPN
ajebi-4721	86	7	(	(	PUNCT
ajebi-4721	86	8	2022	2022	NUM
ajebi-4721	86	9	)	)	PUNCT
ajebi-4721	86	10	noted	note	VERB
ajebi-4721	86	11	that	that	SCONJ
ajebi-4721	86	12	digital	digital	ADJ
ajebi-4721	86	13	technology	technology	NOUN
ajebi-4721	86	14	foster	foster	VERB
ajebi-4721	86	15	collective	collective	ADJ
ajebi-4721	86	16	financial	financial	ADJ
ajebi-4721	86	17	inclusion	inclusion	NOUN
ajebi-4721	86	18	and	and	CCONJ
ajebi-4721	86	19	promote	promote	VERB
ajebi-4721	86	20	all	all	PRON
ajebi-4721	86	21	-	-	PUNCT
ajebi-4721	86	22	inclusive	inclusive	ADJ
ajebi-4721	86	23	financial	financial	ADJ
ajebi-4721	86	24	access	access	NOUN
ajebi-4721	86	25	.	.	PUNCT
ajebi-4721	87	1	while	while	SCONJ
ajebi-4721	87	2	analysing	analyse	VERB
ajebi-4721	87	3	the	the	DET
ajebi-4721	87	4	significance	significance	NOUN
ajebi-4721	87	5	of	of	ADP
ajebi-4721	87	6	digital	digital	ADJ
ajebi-4721	87	7	technology	technology	NOUN
ajebi-4721	87	8	in	in	ADP
ajebi-4721	87	9	the	the	DET
ajebi-4721	87	10	financial	financial	ADJ
ajebi-4721	87	11	sector	sector	NOUN
ajebi-4721	87	12	,	,	PUNCT
ajebi-4721	87	13	it	it	PRON
ajebi-4721	87	14	is	be	AUX
ajebi-4721	87	15	important	important	ADJ
ajebi-4721	87	16	to	to	PART
ajebi-4721	87	17	note	note	VERB
ajebi-4721	87	18	many	many	ADJ
ajebi-4721	87	19	different	different	ADJ
ajebi-4721	87	20	contexts	context	NOUN
ajebi-4721	87	21	providing	provide	VERB
ajebi-4721	87	22	new	new	ADJ
ajebi-4721	87	23	innovative	innovative	ADJ
ajebi-4721	87	24	products	product	NOUN
ajebi-4721	87	25	and	and	CCONJ
ajebi-4721	87	26	services	service	NOUN
ajebi-4721	87	27	using	use	VERB
ajebi-4721	87	28	contemporary	contemporary	ADJ
ajebi-4721	87	29	technologies	technology	NOUN
ajebi-4721	87	30	characterise	characterise	VERB
ajebi-4721	87	31	the	the	DET
ajebi-4721	87	32	rapid	rapid	ADJ
ajebi-4721	87	33	growth	growth	NOUN
ajebi-4721	87	34	of	of	ADP
ajebi-4721	87	35	financial	financial	ADJ
ajebi-4721	87	36	technology	technology	NOUN
ajebi-4721	87	37	.	.	PUNCT
ajebi-4721	88	1	this	this	PRON
ajebi-4721	88	2	has	have	AUX
ajebi-4721	88	3	led	lead	VERB
ajebi-4721	88	4	to	to	ADP
ajebi-4721	88	5	the	the	DET
ajebi-4721	88	6	widely	widely	ADJ
ajebi-4721	88	7	directions	direction	NOUN
ajebi-4721	88	8	and	and	CCONJ
ajebi-4721	88	9	magnitudes	magnitude	NOUN
ajebi-4721	88	10	of	of	ADP
ajebi-4721	88	11	the	the	DET
ajebi-4721	88	12	services	service	NOUN
ajebi-4721	88	13	and	and	CCONJ
ajebi-4721	88	14	products	product	NOUN
ajebi-4721	88	15	delivered	deliver	VERB
ajebi-4721	88	16	by	by	ADP
ajebi-4721	88	17	fintech	fintech	NOUN
ajebi-4721	88	18	firms	firm	NOUN
ajebi-4721	88	19	(	(	PUNCT
ajebi-4721	88	20	alt	alt	VERB
ajebi-4721	88	21	et	et	PROPN
ajebi-4721	88	22	al	al	PROPN
ajebi-4721	88	23	.	.	PROPN
ajebi-4721	88	24	,	,	PUNCT
ajebi-4721	88	25	2018	2018	NUM
ajebi-4721	88	26	)	)	PUNCT
ajebi-4721	88	27	.	.	PUNCT
ajebi-4721	89	1	whereas	whereas	SCONJ
ajebi-4721	89	2	are	be	AUX
ajebi-4721	89	3	some	some	DET
ajebi-4721	89	4	scholars	scholar	NOUN
ajebi-4721	89	5	focus	focus	VERB
ajebi-4721	89	6	on	on	ADP
ajebi-4721	89	7	the	the	DET
ajebi-4721	89	8	diffusion	diffusion	NOUN
ajebi-4721	89	9	and	and	CCONJ
ajebi-4721	89	10	adoption	adoption	NOUN
ajebi-4721	89	11	of	of	ADP
ajebi-4721	89	12	fintech	fintech	NOUN
ajebi-4721	89	13	products	product	NOUN
ajebi-4721	89	14	and	and	CCONJ
ajebi-4721	89	15	services	service	NOUN
ajebi-4721	89	16	others	other	NOUN
ajebi-4721	89	17	tend	tend	VERB
ajebi-4721	89	18	to	to	PART
ajebi-4721	89	19	focus	focus	VERB
ajebi-4721	89	20	on	on	ADP
ajebi-4721	89	21	what	what	PRON
ajebi-4721	89	22	happens	happen	VERB
ajebi-4721	89	23	behind	behind	ADP
ajebi-4721	89	24	scenes	scene	NOUN
ajebi-4721	89	25	.	.	PUNCT
ajebi-4721	90	1	however	however	ADV
ajebi-4721	90	2	,	,	PUNCT
ajebi-4721	90	3	none	none	NOUN
ajebi-4721	90	4	of	of	ADP
ajebi-4721	90	5	these	these	DET
ajebi-4721	90	6	seemingly	seemingly	ADV
ajebi-4721	90	7	odds	odd	NOUN
ajebi-4721	90	8	can	can	AUX
ajebi-4721	90	9	change	change	VERB
ajebi-4721	90	10	what	what	PRON
ajebi-4721	90	11	lies	lie	VERB
ajebi-4721	90	12	beneath	beneath	ADP
ajebi-4721	90	13	the	the	DET
ajebi-4721	90	14	magic	magic	NOUN
ajebi-4721	90	15	of	of	ADP
ajebi-4721	90	16	financial	financial	ADJ
ajebi-4721	90	17	technology	technology	NOUN
ajebi-4721	90	18	innovations	innovation	NOUN
ajebi-4721	90	19	,	,	PUNCT
ajebi-4721	90	20	if	if	SCONJ
ajebi-4721	90	21	anything	anything	PRON
ajebi-4721	90	22	,	,	PUNCT
ajebi-4721	90	23	it	it	PRON
ajebi-4721	90	24	would	would	AUX
ajebi-4721	90	25	only	only	ADV
ajebi-4721	90	26	deepen	deepen	VERB
ajebi-4721	90	27	understanding	understanding	NOUN
ajebi-4721	90	28	,	,	PUNCT
ajebi-4721	90	29	impact	impact	NOUN
ajebi-4721	90	30	,	,	PUNCT
ajebi-4721	90	31	appreciation	appreciation	NOUN
ajebi-4721	90	32	and	and	CCONJ
ajebi-4721	90	33	educate	educate	VERB
ajebi-4721	90	34	us	we	PRON
ajebi-4721	90	35	on	on	ADP
ajebi-4721	90	36	technological	technological	ADJ
ajebi-4721	90	37	developments	development	NOUN
ajebi-4721	90	38	(	(	PUNCT
ajebi-4721	90	39	dranev	dranev	NOUN
ajebi-4721	90	40	et	et	PROPN
ajebi-4721	90	41	al	al	PROPN
ajebi-4721	90	42	.	.	PROPN
ajebi-4721	90	43	,	,	PUNCT
ajebi-4721	90	44	2019	2019	NUM
ajebi-4721	90	45	)	)	PUNCT
ajebi-4721	90	46	.	.	PUNCT
ajebi-4721	91	1	through	through	ADP
ajebi-4721	91	2	empirical	empirical	ADJ
ajebi-4721	91	3	observation	observation	NOUN
ajebi-4721	91	4	,	,	PUNCT
ajebi-4721	91	5	digital	digital	ADJ
ajebi-4721	91	6	financial	financial	ADJ
ajebi-4721	91	7	technology	technology	NOUN
ajebi-4721	91	8	comprises	comprise	NOUN
ajebi-4721	91	9	of	of	ADP
ajebi-4721	91	10	different	different	ADJ
ajebi-4721	91	11	levels	level	NOUN
ajebi-4721	91	12	.	.	PUNCT
ajebi-4721	92	1	pousttchi	pousttchi	PROPN
ajebi-4721	92	2	et	et	PROPN
ajebi-4721	92	3	al	al	PROPN
ajebi-4721	92	4	.	.	PROPN
ajebi-4721	93	1	(	(	PUNCT
ajebi-4721	93	2	2018	2018	NUM
ajebi-4721	93	3	)	)	PUNCT
ajebi-4721	93	4	noted	note	VERB
ajebi-4721	93	5	that	that	SCONJ
ajebi-4721	93	6	a	a	DET
ajebi-4721	93	7	change	change	NOUN
ajebi-4721	93	8	financial	financial	ADJ
ajebi-4721	93	9	technology	technology	NOUN
ajebi-4721	93	10	induces	induce	VERB
ajebi-4721	93	11	impacts	impact	NOUN
ajebi-4721	93	12	that	that	PRON
ajebi-4721	93	13	focus	focus	VERB
ajebi-4721	93	14	on	on	ADP
ajebi-4721	93	15	internal	internal	ADJ
ajebi-4721	93	16	business	business	NOUN
ajebi-4721	93	17	processes	process	NOUN
ajebi-4721	93	18	through	through	ADP
ajebi-4721	93	19	to	to	ADP
ajebi-4721	93	20	adopting	adopt	VERB
ajebi-4721	93	21	a	a	DET
ajebi-4721	93	22	customer	customer	NOUN
ajebi-4721	93	23	-	-	PUNCT
ajebi-4721	93	24	centric	centric	NOUN
ajebi-4721	93	25	perspective	perspective	NOUN
ajebi-4721	93	26	in	in	ADP
ajebi-4721	93	27	a	a	DET
ajebi-4721	93	28	business	business	NOUN
ajebi-4721	93	29	organization	organization	NOUN
ajebi-4721	93	30	.	.	PUNCT
ajebi-4721	94	1	also	also	ADV
ajebi-4721	94	2	,	,	PUNCT
ajebi-4721	94	3	business	business	NOUN
ajebi-4721	94	4	network	network	NOUN
ajebi-4721	94	5	level	level	NOUN
ajebi-4721	94	6	of	of	ADP
ajebi-4721	94	7	financial	financial	ADJ
ajebi-4721	94	8	technology	technology	NOUN
ajebi-4721	94	9	tends	tend	VERB
ajebi-4721	94	10	to	to	PART
ajebi-4721	94	11	focus	focus	VERB
ajebi-4721	94	12	more	more	ADV
ajebi-4721	94	13	on	on	ADP
ajebi-4721	94	14	business	business	NOUN
ajebi-4721	94	15	networked	network	VERB
ajebi-4721	94	16	with	with	ADP
ajebi-4721	94	17	specialized	specialized	ADJ
ajebi-4721	94	18	external	external	ADJ
ajebi-4721	94	19	partners	partner	NOUN
ajebi-4721	94	20	and	and	CCONJ
ajebi-4721	94	21	induces	induce	VERB
ajebi-4721	94	22	competition	competition	NOUN
ajebi-4721	94	23	that	that	PRON
ajebi-4721	94	24	are	be	AUX
ajebi-4721	94	25	more	more	ADV
ajebi-4721	94	26	intense	intense	ADJ
ajebi-4721	94	27	with	with	ADP
ajebi-4721	94	28	lower	low	ADJ
ajebi-4721	94	29	margin	margin	NOUN
ajebi-4721	94	30	.	.	PUNCT
ajebi-4721	95	1	coupled	couple	VERB
ajebi-4721	95	2	with	with	ADP
ajebi-4721	95	3	the	the	DET
ajebi-4721	95	4	global	global	ADJ
ajebi-4721	95	5	traditional	traditional	ADJ
ajebi-4721	95	6	financial	financial	ADJ
ajebi-4721	95	7	services	service	NOUN
ajebi-4721	95	8	sector	sector	NOUN
ajebi-4721	95	9	,	,	PUNCT
ajebi-4721	95	10	the	the	DET
ajebi-4721	95	11	financial	financial	ADJ
ajebi-4721	95	12	technology	technology	NOUN
ajebi-4721	95	13	competitive	competitive	ADJ
ajebi-4721	95	14	landscape	landscape	NOUN
ajebi-4721	95	15	includes	include	VERB
ajebi-4721	95	16	lateral	lateral	ADJ
ajebi-4721	95	17	entrants	entrant	NOUN
ajebi-4721	95	18	and	and	CCONJ
ajebi-4721	95	19	new	new	ADJ
ajebi-4721	95	20	start	start	NOUN
ajebi-4721	95	21	-	-	PUNCT
ajebi-4721	95	22	ups	up	NOUN
ajebi-4721	95	23	,	,	PUNCT
ajebi-4721	95	24	which	which	PRON
ajebi-4721	95	25	feature	feature	VERB
ajebi-4721	95	26	distinct	distinct	ADJ
ajebi-4721	95	27	corporate	corporate	ADJ
ajebi-4721	95	28	cultures	culture	NOUN
ajebi-4721	95	29	other	other	ADJ
ajebi-4721	95	30	than	than	ADP
ajebi-4721	95	31	traditional	traditional	ADJ
ajebi-4721	95	32	financial	financial	ADJ
ajebi-4721	95	33	services	service	NOUN
ajebi-4721	95	34	institutions	institution	NOUN
ajebi-4721	95	35	(	(	PUNCT
ajebi-4721	95	36	gomber	gomber	PROPN
ajebi-4721	95	37	et	et	PROPN
ajebi-4721	95	38	al	al	PROPN
ajebi-4721	95	39	.	.	PROPN
ajebi-4721	95	40	2017	2017	NUM
ajebi-4721	95	41	;	;	PUNCT
ajebi-4721	95	42	gimpel	gimpel	PROPN
ajebi-4721	95	43	et	et	PROPN
ajebi-4721	95	44	al	al	PROPN
ajebi-4721	95	45	.	.	PROPN
ajebi-4721	95	46	2018	2018	NUM
ajebi-4721	95	47	)	)	PUNCT
ajebi-4721	95	48	.	.	PUNCT
ajebi-4721	96	1	with	with	ADP
ajebi-4721	96	2	regards	regard	NOUN
ajebi-4721	96	3	to	to	ADP
ajebi-4721	96	4	the	the	DET
ajebi-4721	96	5	external	external	ADJ
ajebi-4721	96	6	organization	organization	NOUN
ajebi-4721	96	7	level	level	NOUN
ajebi-4721	96	8	,	,	PUNCT
ajebi-4721	96	9	government	government	NOUN
ajebi-4721	96	10	regulation	regulation	NOUN
ajebi-4721	96	11	on	on	ADP
ajebi-4721	96	12	financial	financial	ADJ
ajebi-4721	96	13	technology	technology	NOUN
ajebi-4721	96	14	changes	change	NOUN
ajebi-4721	96	15	from	from	ADP
ajebi-4721	96	16	varying	vary	VERB
ajebi-4721	96	17	impacts	impact	NOUN
ajebi-4721	96	18	and	and	CCONJ
ajebi-4721	96	19	stages	stage	NOUN
ajebi-4721	96	20	including	include	VERB
ajebi-4721	96	21	less	less	ADJ
ajebi-4721	96	22	supervision	supervision	NOUN
ajebi-4721	96	23	,	,	PUNCT
ajebi-4721	96	24	lower	low	ADJ
ajebi-4721	96	25	equity	equity	NOUN
ajebi-4721	96	26	compliance	compliance	NOUN
ajebi-4721	96	27	,	,	PUNCT
ajebi-4721	96	28	and	and	CCONJ
ajebi-4721	96	29	extreme	extreme	ADJ
ajebi-4721	96	30	protection	protection	NOUN
ajebi-4721	96	31	from	from	ADP
ajebi-4721	96	32	national	national	ADJ
ajebi-4721	96	33	legislation	legislation	NOUN
ajebi-4721	96	34	towards	towards	ADP
ajebi-4721	96	35	severer	severe	ADJ
ajebi-4721	96	36	rules	rule	NOUN
ajebi-4721	96	37	for	for	ADP
ajebi-4721	96	38	held	held	ADJ
ajebi-4721	96	39	equity	equity	NOUN
ajebi-4721	96	40	,	,	PUNCT
ajebi-4721	96	41	less	less	ADJ
ajebi-4721	96	42	protection	protection	NOUN
ajebi-4721	96	43	offered	offer	VERB
ajebi-4721	96	44	by	by	ADP
ajebi-4721	96	45	national	national	ADJ
ajebi-4721	96	46	laws	law	NOUN
ajebi-4721	96	47	,	,	PUNCT
ajebi-4721	96	48	and	and	CCONJ
ajebi-4721	96	49	more	more	ADJ
ajebi-4721	96	50	supervision	supervision	NOUN
ajebi-4721	96	51	on	on	ADP
ajebi-4721	96	52	world	world	NOUN
ajebi-4721	96	53	-	-	PUNCT
ajebi-4721	96	54	wide	wide	ADJ
ajebi-4721	96	55	level	level	NOUN
ajebi-4721	96	56	(	(	PUNCT
ajebi-4721	96	57	arner	arner	NOUN
ajebi-4721	96	58	et	et	PROPN
ajebi-4721	96	59	al	al	PROPN
ajebi-4721	96	60	.	.	PROPN
ajebi-4721	96	61	,	,	PUNCT
ajebi-4721	96	62	2017	2017	NUM
ajebi-4721	96	63	)	)	PUNCT
ajebi-4721	96	64	.	.	PUNCT
ajebi-4721	97	1	digital	digital	ADJ
ajebi-4721	97	2	infrastructure	infrastructure	NOUN
ajebi-4721	97	3	widespread	widespread	ADJ
ajebi-4721	97	4	application	application	NOUN
ajebi-4721	97	5	allows	allow	VERB
ajebi-4721	97	6	cost	cost	NOUN
ajebi-4721	97	7	-	-	PUNCT
ajebi-4721	97	8	efficient	efficient	ADJ
ajebi-4721	97	9	operations	operation	NOUN
ajebi-4721	97	10	,	,	PUNCT
ajebi-4721	97	11	including	include	VERB
ajebi-4721	97	12	pa	pa	PROPN
ajebi-4721	97	13	ge	ge	PROPN
ajebi-4721	97	14	10	10	NUM
ajebi-4721	97	15	0	0	NUM
ajebi-4721	97	16	https://journals.e-palli.com/home/index.php/ajebi	https://journals.e-palli.com/home/index.php/ajebi	NUM
ajebi-4721	97	17	am	am	NOUN
ajebi-4721	97	18	.	.	PUNCT
ajebi-4721	98	1	j.	j.	PROPN
ajebi-4721	98	2	econ	econ	PROPN
ajebi-4721	98	3	.	.	PUNCT
ajebi-4721	98	4	bus	bus	PROPN
ajebi-4721	98	5	.	.	PUNCT
ajebi-4721	99	1	innov	innov	PROPN
ajebi-4721	99	2	.	.	PUNCT
ajebi-4721	100	1	4(3	4(3	NUM
ajebi-4721	100	2	)	)	PUNCT
ajebi-4721	100	3	97	97	NUM
ajebi-4721	100	4	-	-	SYM
ajebi-4721	100	5	106	106	NUM
ajebi-4721	100	6	,	,	PUNCT
ajebi-4721	100	7	2025	2025	NUM
ajebi-4721	100	8	moving	move	VERB
ajebi-4721	100	9	towards	towards	ADP
ajebi-4721	100	10	cashless	cashless	NOUN
ajebi-4721	100	11	societies	society	NOUN
ajebi-4721	100	12	and	and	CCONJ
ajebi-4721	100	13	working	work	VERB
ajebi-4721	100	14	on	on	ADP
ajebi-4721	100	15	a	a	DET
ajebi-4721	100	16	fully	fully	ADV
ajebi-4721	100	17	decentralized	decentralize	VERB
ajebi-4721	100	18	basis	basis	NOUN
ajebi-4721	100	19	on	on	ADP
ajebi-4721	100	20	payments	payment	NOUN
ajebi-4721	100	21	,	,	PUNCT
ajebi-4721	100	22	financing	financing	NOUN
ajebi-4721	100	23	,	,	PUNCT
ajebi-4721	100	24	and	and	CCONJ
ajebi-4721	100	25	investment	investment	NOUN
ajebi-4721	100	26	activities	activity	NOUN
ajebi-4721	100	27	.	.	PUNCT
ajebi-4721	101	1	the	the	DET
ajebi-4721	101	2	relevance	relevance	NOUN
ajebi-4721	101	3	of	of	ADP
ajebi-4721	101	4	regulatory	regulatory	ADJ
ajebi-4721	101	5	and	and	CCONJ
ajebi-4721	101	6	compliance	compliance	NOUN
ajebi-4721	101	7	issues	issue	NOUN
ajebi-4721	101	8	in	in	ADP
ajebi-4721	101	9	the	the	DET
ajebi-4721	101	10	financial	financial	ADJ
ajebi-4721	101	11	industry	industry	NOUN
ajebi-4721	101	12	necessitates	necessitate	VERB
ajebi-4721	101	13	a	a	DET
ajebi-4721	101	14	combination	combination	NOUN
ajebi-4721	101	15	of	of	ADP
ajebi-4721	101	16	regulation	regulation	NOUN
ajebi-4721	101	17	and	and	CCONJ
ajebi-4721	101	18	technology	technology	NOUN
ajebi-4721	101	19	to	to	PART
ajebi-4721	101	20	prescribe	prescribe	VERB
ajebi-4721	101	21	the	the	DET
ajebi-4721	101	22	application	application	NOUN
ajebi-4721	101	23	and	and	CCONJ
ajebi-4721	101	24	use	use	NOUN
ajebi-4721	101	25	of	of	ADP
ajebi-4721	101	26	technology	technology	NOUN
ajebi-4721	101	27	in	in	ADP
ajebi-4721	101	28	reporting	reporting	NOUN
ajebi-4721	101	29	,	,	PUNCT
ajebi-4721	101	30	monitoring	monitoring	NOUN
ajebi-4721	101	31	,	,	PUNCT
ajebi-4721	101	32	and	and	CCONJ
ajebi-4721	101	33	regulatory	regulatory	ADJ
ajebi-4721	101	34	(	(	PUNCT
ajebi-4721	101	35	deloitte	deloitte	PROPN
ajebi-4721	101	36	,	,	PUNCT
ajebi-4721	101	37	2016	2016	NUM
ajebi-4721	101	38	)	)	PUNCT
ajebi-4721	101	39	.	.	PUNCT
ajebi-4721	102	1	to	to	PART
ajebi-4721	102	2	highlight	highlight	VERB
ajebi-4721	102	3	the	the	DET
ajebi-4721	102	4	traditional	traditional	ADJ
ajebi-4721	102	5	banking	banking	NOUN
ajebi-4721	102	6	business	business	NOUN
ajebi-4721	102	7	within	within	ADP
ajebi-4721	102	8	the	the	DET
ajebi-4721	102	9	current	current	ADJ
ajebi-4721	102	10	digital	digital	ADJ
ajebi-4721	102	11	financial	financial	ADJ
ajebi-4721	102	12	technology	technology	PROPN
ajebi-4721	102	13	era	era	NOUN
ajebi-4721	102	14	,	,	PUNCT
ajebi-4721	102	15	some	some	DET
ajebi-4721	102	16	scholars	scholar	NOUN
ajebi-4721	102	17	have	have	AUX
ajebi-4721	102	18	resorted	resort	VERB
ajebi-4721	102	19	to	to	ADP
ajebi-4721	102	20	using	use	VERB
ajebi-4721	102	21	the	the	DET
ajebi-4721	102	22	term	term	NOUN
ajebi-4721	102	23	bank	bank	NOUN
ajebi-4721	102	24	technology	technology	NOUN
ajebi-4721	102	25	(	(	PUNCT
ajebi-4721	102	26	schwab	schwab	PROPN
ajebi-4721	102	27	&	&	CCONJ
ajebi-4721	102	28	guibaud	guibaud	PROPN
ajebi-4721	102	29	,	,	PUNCT
ajebi-4721	102	30	2016	2016	NUM
ajebi-4721	102	31	)	)	PUNCT
ajebi-4721	102	32	.	.	PUNCT
ajebi-4721	103	1	however	however	ADV
ajebi-4721	103	2	,	,	PUNCT
ajebi-4721	103	3	despite	despite	SCONJ
ajebi-4721	103	4	the	the	DET
ajebi-4721	103	5	technologies	technology	NOUN
ajebi-4721	103	6	and	and	CCONJ
ajebi-4721	103	7	innovations	innovation	NOUN
ajebi-4721	103	8	happening	happen	VERB
ajebi-4721	103	9	in	in	ADP
ajebi-4721	103	10	the	the	DET
ajebi-4721	103	11	financial	financial	ADJ
ajebi-4721	103	12	sector	sector	NOUN
ajebi-4721	103	13	,	,	PUNCT
ajebi-4721	103	14	it	it	PRON
ajebi-4721	103	15	admittedly	admittedly	ADV
ajebi-4721	103	16	that	that	SCONJ
ajebi-4721	103	17	the	the	DET
ajebi-4721	103	18	old	old	ADJ
ajebi-4721	103	19	and	and	CCONJ
ajebi-4721	103	20	new	new	ADJ
ajebi-4721	103	21	realities	reality	NOUN
ajebi-4721	103	22	of	of	ADP
ajebi-4721	103	23	financial	financial	ADJ
ajebi-4721	103	24	technology	technology	NOUN
ajebi-4721	103	25	impacts	impact	NOUN
ajebi-4721	103	26	on	on	ADP
ajebi-4721	103	27	the	the	DET
ajebi-4721	103	28	financial	financial	ADJ
ajebi-4721	103	29	sector	sector	NOUN
ajebi-4721	103	30	of	of	ADP
ajebi-4721	103	31	developing	develop	VERB
ajebi-4721	103	32	economies	economy	NOUN
ajebi-4721	103	33	have	have	AUX
ajebi-4721	103	34	not	not	PART
ajebi-4721	103	35	gained	gain	VERB
ajebi-4721	103	36	broad	broad	ADJ
ajebi-4721	103	37	attention	attention	NOUN
ajebi-4721	103	38	.	.	PUNCT
ajebi-4721	104	1	in	in	ADP
ajebi-4721	104	2	this	this	DET
ajebi-4721	104	3	regard	regard	NOUN
ajebi-4721	104	4	this	this	DET
ajebi-4721	104	5	study	study	NOUN
ajebi-4721	104	6	appreciates	appreciate	VERB
ajebi-4721	104	7	the	the	DET
ajebi-4721	104	8	need	need	NOUN
ajebi-4721	104	9	to	to	PART
ajebi-4721	104	10	explore	explore	VERB
ajebi-4721	104	11	the	the	DET
ajebi-4721	104	12	topic	topic	NOUN
ajebi-4721	104	13	to	to	PART
ajebi-4721	104	14	promote	promote	VERB
ajebi-4721	104	15	sustainable	sustainable	ADJ
ajebi-4721	104	16	financial	financial	ADJ
ajebi-4721	104	17	sector	sector	NOUN
ajebi-4721	104	18	growth	growth	NOUN
ajebi-4721	104	19	and	and	CCONJ
ajebi-4721	104	20	development	development	NOUN
ajebi-4721	104	21	through	through	ADP
ajebi-4721	104	22	digital	digital	ADJ
ajebi-4721	104	23	financial	financial	ADJ
ajebi-4721	104	24	technologies	technology	NOUN
ajebi-4721	104	25	as	as	SCONJ
ajebi-4721	104	26	shown	show	VERB
ajebi-4721	104	27	in	in	ADP
ajebi-4721	104	28	the	the	DET
ajebi-4721	104	29	model	model	NOUN
ajebi-4721	104	30	in	in	ADP
ajebi-4721	104	31	figure	figure	NOUN
ajebi-4721	104	32	1	1	NUM
ajebi-4721	104	33	.	.	PUNCT
ajebi-4721	104	34	figure	figure	NOUN
ajebi-4721	104	35	1	1	NUM
ajebi-4721	104	36	:	:	PUNCT
ajebi-4721	104	37	sustainable	sustainable	ADJ
ajebi-4721	104	38	financial	financial	ADJ
ajebi-4721	104	39	sector	sector	NOUN
ajebi-4721	104	40	growth	growth	NOUN
ajebi-4721	104	41	and	and	CCONJ
ajebi-4721	104	42	development	development	NOUN
ajebi-4721	104	43	source	source	NOUN
ajebi-4721	104	44	:	:	PUNCT
ajebi-4721	104	45	adopted	adopt	VERB
ajebi-4721	104	46	from	from	ADP
ajebi-4721	104	47	asare	asare	PROPN
ajebi-4721	104	48	et	et	PROPN
ajebi-4721	104	49	al	al	PROPN
ajebi-4721	104	50	.	.	PROPN
ajebi-4721	105	1	(	(	PUNCT
ajebi-4721	105	2	2023	2023	NUM
ajebi-4721	105	3	)	)	PUNCT
ajebi-4721	105	4	.	.	PUNCT
ajebi-4721	106	1	figure	figure	NOUN
ajebi-4721	106	2	1	1	NUM
ajebi-4721	106	3	above	above	ADP
ajebi-4721	106	4	presents	present	VERB
ajebi-4721	106	5	the	the	DET
ajebi-4721	106	6	conceptual	conceptual	ADJ
ajebi-4721	106	7	framework	framework	NOUN
ajebi-4721	106	8	of	of	ADP
ajebi-4721	106	9	the	the	DET
ajebi-4721	106	10	study	study	NOUN
ajebi-4721	106	11	,	,	PUNCT
ajebi-4721	106	12	which	which	PRON
ajebi-4721	106	13	shows	show	VERB
ajebi-4721	106	14	the	the	DET
ajebi-4721	106	15	interconnection	interconnection	NOUN
ajebi-4721	106	16	between	between	ADP
ajebi-4721	106	17	the	the	DET
ajebi-4721	106	18	old	old	ADJ
ajebi-4721	106	19	and	and	CCONJ
ajebi-4721	106	20	new	new	ADJ
ajebi-4721	106	21	realities	reality	NOUN
ajebi-4721	106	22	of	of	ADP
ajebi-4721	106	23	the	the	DET
ajebi-4721	106	24	financial	financial	ADJ
ajebi-4721	106	25	sector	sector	NOUN
ajebi-4721	106	26	of	of	ADP
ajebi-4721	106	27	developing	develop	VERB
ajebi-4721	106	28	economies	economy	NOUN
ajebi-4721	106	29	and	and	CCONJ
ajebi-4721	106	30	the	the	DET
ajebi-4721	106	31	impact	impact	NOUN
ajebi-4721	106	32	of	of	ADP
ajebi-4721	106	33	technological	technological	ADJ
ajebi-4721	106	34	evolution	evolution	NOUN
ajebi-4721	106	35	on	on	ADP
ajebi-4721	106	36	the	the	DET
ajebi-4721	106	37	financial	financial	ADJ
ajebi-4721	106	38	sector	sector	NOUN
ajebi-4721	106	39	of	of	ADP
ajebi-4721	106	40	emerging	emerge	VERB
ajebi-4721	106	41	markets	market	NOUN
ajebi-4721	106	42	.	.	PUNCT
ajebi-4721	107	1	materials	material	NOUN
ajebi-4721	107	2	and	and	CCONJ
ajebi-4721	107	3	methods	method	NOUN
ajebi-4721	107	4	most	most	ADJ
ajebi-4721	107	5	authors	author	NOUN
ajebi-4721	107	6	have	have	AUX
ajebi-4721	107	7	applied	apply	VERB
ajebi-4721	107	8	quantitative	quantitative	ADJ
ajebi-4721	107	9	and	and	CCONJ
ajebi-4721	107	10	qualitative	qualitative	ADJ
ajebi-4721	107	11	research	research	NOUN
ajebi-4721	107	12	method	method	NOUN
ajebi-4721	107	13	and	and	CCONJ
ajebi-4721	107	14	survey	survey	NOUN
ajebi-4721	107	15	to	to	PART
ajebi-4721	107	16	analyse	analyse	VERB
ajebi-4721	107	17	the	the	DET
ajebi-4721	107	18	impact	impact	NOUN
ajebi-4721	107	19	of	of	ADP
ajebi-4721	107	20	technological	technological	ADJ
ajebi-4721	107	21	on	on	ADP
ajebi-4721	107	22	the	the	DET
ajebi-4721	107	23	financial	financial	ADJ
ajebi-4721	107	24	sector	sector	NOUN
ajebi-4721	107	25	of	of	ADP
ajebi-4721	107	26	developing	develop	VERB
ajebi-4721	107	27	economies	economy	NOUN
ajebi-4721	107	28	(	(	PUNCT
ajebi-4721	107	29	zhu	zhu	X
ajebi-4721	107	30	et	et	PROPN
ajebi-4721	107	31	al	al	PROPN
ajebi-4721	107	32	.	.	PROPN
ajebi-4721	107	33	,	,	PUNCT
ajebi-4721	107	34	2023	2023	NUM
ajebi-4721	107	35	;	;	PUNCT
ajebi-4721	107	36	akomea	akomea	PROPN
ajebi-4721	107	37	-	-	PUNCT
ajebi-4721	107	38	frimpong	frimpong	PROPN
ajebi-4721	107	39	et	et	PROPN
ajebi-4721	107	40	al	al	PROPN
ajebi-4721	107	41	.	.	PROPN
ajebi-4721	107	42	,	,	PUNCT
ajebi-4721	107	43	2022	2022	NUM
ajebi-4721	107	44	;	;	PUNCT
ajebi-4721	107	45	appiahene	appiahene	NOUN
ajebi-4721	107	46	et	et	PROPN
ajebi-4721	107	47	al	al	PROPN
ajebi-4721	107	48	.	.	PROPN
ajebi-4721	107	49	,	,	PUNCT
ajebi-4721	107	50	2019	2019	NUM
ajebi-4721	107	51	)	)	PUNCT
ajebi-4721	107	52	.	.	PUNCT
ajebi-4721	108	1	a	a	DET
ajebi-4721	108	2	qualitative	qualitative	ADJ
ajebi-4721	108	3	study	study	NOUN
ajebi-4721	108	4	by	by	ADP
ajebi-4721	108	5	pwc	pwc	PROPN
ajebi-4721	108	6	(	(	PUNCT
ajebi-4721	108	7	2023	2023	NUM
ajebi-4721	108	8	)	)	PUNCT
ajebi-4721	108	9	showed	show	VERB
ajebi-4721	108	10	that	that	SCONJ
ajebi-4721	108	11	financial	financial	ADJ
ajebi-4721	108	12	institutions	institution	NOUN
ajebi-4721	108	13	that	that	PRON
ajebi-4721	108	14	adapt	adapt	VERB
ajebi-4721	108	15	digital	digital	ADJ
ajebi-4721	108	16	technology	technology	NOUN
ajebi-4721	108	17	experience	experience	NOUN
ajebi-4721	108	18	significant	significant	ADJ
ajebi-4721	108	19	profitability	profitability	NOUN
ajebi-4721	108	20	and	and	CCONJ
ajebi-4721	108	21	can	can	AUX
ajebi-4721	108	22	take	take	VERB
ajebi-4721	108	23	advantage	advantage	NOUN
ajebi-4721	108	24	both	both	CCONJ
ajebi-4721	108	25	favourable	favourable	ADJ
ajebi-4721	108	26	and	and	CCONJ
ajebi-4721	108	27	unfavourable	unfavourable	ADJ
ajebi-4721	108	28	economic	economic	ADJ
ajebi-4721	108	29	conditions	condition	NOUN
ajebi-4721	108	30	.	.	PUNCT
ajebi-4721	109	1	however	however	ADV
ajebi-4721	109	2	,	,	PUNCT
ajebi-4721	109	3	using	use	VERB
ajebi-4721	109	4	only	only	ADJ
ajebi-4721	109	5	quantitative	quantitative	ADJ
ajebi-4721	109	6	methods	method	NOUN
ajebi-4721	109	7	to	to	PART
ajebi-4721	109	8	assess	assess	VERB
ajebi-4721	109	9	digital	digital	ADJ
ajebi-4721	109	10	technological	technological	ADJ
ajebi-4721	109	11	impact	impact	NOUN
ajebi-4721	109	12	on	on	ADP
ajebi-4721	109	13	the	the	DET
ajebi-4721	109	14	financial	financial	ADJ
ajebi-4721	109	15	sector	sector	NOUN
ajebi-4721	109	16	can	can	AUX
ajebi-4721	109	17	be	be	AUX
ajebi-4721	109	18	describe	describe	VERB
ajebi-4721	109	19	as	as	ADV
ajebi-4721	109	20	parametric	parametric	ADJ
ajebi-4721	109	21	as	as	SCONJ
ajebi-4721	109	22	it	it	PRON
ajebi-4721	109	23	lacks	lack	VERB
ajebi-4721	109	24	the	the	DET
ajebi-4721	109	25	ability	ability	NOUN
ajebi-4721	109	26	to	to	PART
ajebi-4721	109	27	provide	provide	VERB
ajebi-4721	109	28	qualitative	qualitative	ADJ
ajebi-4721	109	29	insights	insight	NOUN
ajebi-4721	109	30	(	(	PUNCT
ajebi-4721	109	31	turner	turner	NOUN
ajebi-4721	109	32	,	,	PUNCT
ajebi-4721	109	33	2000	2000	NUM
ajebi-4721	109	34	)	)	PUNCT
ajebi-4721	109	35	.	.	PUNCT
ajebi-4721	110	1	in	in	ADP
ajebi-4721	110	2	addition	addition	NOUN
ajebi-4721	110	3	,	,	PUNCT
ajebi-4721	110	4	the	the	DET
ajebi-4721	110	5	smartpls	smartpls	NOUN
ajebi-4721	110	6	was	be	AUX
ajebi-4721	110	7	used	use	VERB
ajebi-4721	110	8	indicate	indicate	VERB
ajebi-4721	110	9	the	the	DET
ajebi-4721	110	10	linkages	linkage	NOUN
ajebi-4721	110	11	between	between	ADP
ajebi-4721	110	12	the	the	DET
ajebi-4721	110	13	characteristics	characteristic	NOUN
ajebi-4721	110	14	digital	digital	ADJ
ajebi-4721	110	15	technologies	technology	NOUN
ajebi-4721	110	16	and	and	CCONJ
ajebi-4721	110	17	financial	financial	ADJ
ajebi-4721	110	18	sector	sector	NOUN
ajebi-4721	110	19	.	.	PUNCT
ajebi-4721	111	1	a	a	DET
ajebi-4721	111	2	simple	simple	ADJ
ajebi-4721	111	3	random	random	ADJ
ajebi-4721	111	4	sampling	sampling	NOUN
ajebi-4721	111	5	was	be	AUX
ajebi-4721	111	6	used	use	VERB
ajebi-4721	111	7	to	to	PART
ajebi-4721	111	8	select	select	VERB
ajebi-4721	111	9	five	five	NUM
ajebi-4721	111	10	(	(	PUNCT
ajebi-4721	111	11	n5	n5	PROPN
ajebi-4721	111	12	)	)	PUNCT
ajebi-4721	111	13	commercial	commercial	ADJ
ajebi-4721	111	14	financial	financial	ADJ
ajebi-4721	111	15	institutions	institution	NOUN
ajebi-4721	111	16	(	(	PUNCT
ajebi-4721	111	17	ghana	ghana	PROPN
ajebi-4721	111	18	commercial	commercial	PROPN
ajebi-4721	111	19	bank	bank	PROPN
ajebi-4721	111	20	(	(	PUNCT
ajebi-4721	111	21	gcb	gcb	PROPN
ajebi-4721	111	22	)	)	PUNCT
ajebi-4721	111	23	,	,	PUNCT
ajebi-4721	111	24	agriculture	agriculture	PROPN
ajebi-4721	111	25	development	development	PROPN
ajebi-4721	111	26	bank	bank	PROPN
ajebi-4721	111	27	(	(	PUNCT
ajebi-4721	111	28	adb	adb	PROPN
ajebi-4721	111	29	)	)	PUNCT
ajebi-4721	111	30	,	,	PUNCT
ajebi-4721	111	31	national	national	PROPN
ajebi-4721	111	32	investment	investment	PROPN
ajebi-4721	111	33	bank	bank	PROPN
ajebi-4721	111	34	(	(	PUNCT
ajebi-4721	111	35	nib	nib	PROPN
ajebi-4721	111	36	)	)	PUNCT
ajebi-4721	111	37	,	,	PUNCT
ajebi-4721	111	38	absa	absa	PROPN
ajebi-4721	111	39	bank	bank	PROPN
ajebi-4721	111	40	,	,	PUNCT
ajebi-4721	111	41	and	and	CCONJ
ajebi-4721	111	42	fidelity	fidelity	PROPN
ajebi-4721	111	43	bank	bank	PROPN
ajebi-4721	111	44	)	)	PUNCT
ajebi-4721	111	45	that	that	PRON
ajebi-4721	111	46	dominate	dominate	VERB
ajebi-4721	111	47	the	the	DET
ajebi-4721	111	48	financial	financial	ADJ
ajebi-4721	111	49	sector	sector	NOUN
ajebi-4721	111	50	of	of	ADP
ajebi-4721	111	51	the	the	DET
ajebi-4721	111	52	ghanaian	ghanaian	ADJ
ajebi-4721	111	53	market	market	NOUN
ajebi-4721	111	54	.	.	PUNCT
ajebi-4721	112	1	these	these	DET
ajebi-4721	112	2	financial	financial	ADJ
ajebi-4721	112	3	institutions	institution	NOUN
ajebi-4721	112	4	were	be	AUX
ajebi-4721	112	5	chosen	choose	VERB
ajebi-4721	112	6	because	because	SCONJ
ajebi-4721	112	7	their	their	PRON
ajebi-4721	112	8	share	share	NOUN
ajebi-4721	112	9	characteristic	characteristic	ADJ
ajebi-4721	112	10	is	be	AUX
ajebi-4721	112	11	a	a	DET
ajebi-4721	112	12	representation	representation	NOUN
ajebi-4721	112	13	of	of	ADP
ajebi-4721	112	14	all	all	DET
ajebi-4721	112	15	the	the	DET
ajebi-4721	112	16	other	other	ADJ
ajebi-4721	112	17	financial	financial	ADJ
ajebi-4721	112	18	institutions	institution	NOUN
ajebi-4721	112	19	in	in	ADP
ajebi-4721	112	20	ghana	ghana	PROPN
ajebi-4721	112	21	,	,	PUNCT
ajebi-4721	112	22	and	and	CCONJ
ajebi-4721	112	23	they	they	PRON
ajebi-4721	112	24	also	also	ADV
ajebi-4721	112	25	dominate	dominate	VERB
ajebi-4721	112	26	the	the	DET
ajebi-4721	112	27	financial	financial	ADJ
ajebi-4721	112	28	sector	sector	NOUN
ajebi-4721	112	29	of	of	ADP
ajebi-4721	112	30	ghana	ghana	PROPN
ajebi-4721	112	31	’s	’s	PART
ajebi-4721	112	32	emerging	emerge	VERB
ajebi-4721	112	33	market	market	NOUN
ajebi-4721	112	34	.	.	PUNCT
ajebi-4721	113	1	the	the	DET
ajebi-4721	113	2	study	study	NOUN
ajebi-4721	113	3	observed	observe	VERB
ajebi-4721	113	4	that	that	SCONJ
ajebi-4721	113	5	the	the	DET
ajebi-4721	113	6	factors	factor	NOUN
ajebi-4721	113	7	and	and	CCONJ
ajebi-4721	113	8	variables	variable	NOUN
ajebi-4721	113	9	identified	identify	VERB
ajebi-4721	113	10	and	and	CCONJ
ajebi-4721	113	11	used	use	VERB
ajebi-4721	113	12	to	to	PART
ajebi-4721	113	13	develop	develop	VERB
ajebi-4721	113	14	the	the	DET
ajebi-4721	113	15	model	model	NOUN
ajebi-4721	113	16	in	in	ADP
ajebi-4721	113	17	figure	figure	NOUN
ajebi-4721	113	18	1	1	NUM
ajebi-4721	113	19	are	be	AUX
ajebi-4721	113	20	typical	typical	ADJ
ajebi-4721	113	21	features	feature	NOUN
ajebi-4721	113	22	of	of	ADP
ajebi-4721	113	23	the	the	DET
ajebi-4721	113	24	selected	select	VERB
ajebi-4721	113	25	financial	financial	ADJ
ajebi-4721	113	26	institutions	institution	NOUN
ajebi-4721	113	27	.	.	PUNCT
ajebi-4721	114	1	although	although	SCONJ
ajebi-4721	114	2	these	these	DET
ajebi-4721	114	3	factors	factor	NOUN
ajebi-4721	114	4	were	be	AUX
ajebi-4721	114	5	identified	identify	VERB
ajebi-4721	114	6	through	through	ADP
ajebi-4721	114	7	a	a	DET
ajebi-4721	114	8	literature	literature	NOUN
ajebi-4721	114	9	review	review	NOUN
ajebi-4721	114	10	,	,	PUNCT
ajebi-4721	114	11	they	they	PRON
ajebi-4721	114	12	turned	turn	VERB
ajebi-4721	114	13	out	out	ADP
ajebi-4721	114	14	to	to	PART
ajebi-4721	114	15	be	be	AUX
ajebi-4721	114	16	the	the	DET
ajebi-4721	114	17	realities	reality	NOUN
ajebi-4721	114	18	of	of	ADP
ajebi-4721	114	19	the	the	DET
ajebi-4721	114	20	selected	select	VERB
ajebi-4721	114	21	financial	financial	ADJ
ajebi-4721	114	22	institution	institution	NOUN
ajebi-4721	114	23	after	after	ADP
ajebi-4721	114	24	analysis	analysis	NOUN
ajebi-4721	114	25	of	of	ADP
ajebi-4721	114	26	the	the	DET
ajebi-4721	114	27	survey	survey	NOUN
ajebi-4721	114	28	responses	response	NOUN
ajebi-4721	114	29	received	receive	VERB
ajebi-4721	114	30	from	from	ADP
ajebi-4721	114	31	those	those	DET
ajebi-4721	114	32	financial	financial	ADJ
ajebi-4721	114	33	institutions	institution	NOUN
ajebi-4721	114	34	.	.	PUNCT
ajebi-4721	115	1	results	result	NOUN
ajebi-4721	115	2	and	and	CCONJ
ajebi-4721	115	3	discussions	discussion	NOUN
ajebi-4721	115	4	the	the	DET
ajebi-4721	115	5	model	model	NOUN
ajebi-4721	115	6	in	in	ADP
ajebi-4721	115	7	figure	figure	NOUN
ajebi-4721	115	8	1	1	NUM
ajebi-4721	115	9	is	be	AUX
ajebi-4721	115	10	based	base	VERB
ajebi-4721	115	11	on	on	ADP
ajebi-4721	115	12	smart	smart	ADJ
ajebi-4721	115	13	pls	pls	NOUN
ajebi-4721	115	14	3.0	3.0	NUM
ajebi-4721	115	15	modeling	modeling	NOUN
ajebi-4721	115	16	to	to	PART
ajebi-4721	115	17	allow	allow	VERB
ajebi-4721	115	18	for	for	ADP
ajebi-4721	115	19	molds	mold	NOUN
ajebi-4721	115	20	about	about	ADP
ajebi-4721	115	21	data	data	NOUN
ajebi-4721	115	22	distributions	distribution	NOUN
ajebi-4721	115	23	(	(	PUNCT
ajebi-4721	115	24	ringle	ringle	NOUN
ajebi-4721	115	25	et	et	PROPN
ajebi-4721	115	26	al	al	PROPN
ajebi-4721	115	27	.	.	PROPN
ajebi-4721	115	28	,	,	PUNCT
ajebi-4721	115	29	2015	2015	NUM
ajebi-4721	115	30	)	)	PUNCT
ajebi-4721	115	31	.	.	PUNCT
ajebi-4721	116	1	according	accord	VERB
ajebi-4721	116	2	to	to	ADP
ajebi-4721	116	3	richter	richter	PROPN
ajebi-4721	116	4	et	et	PROPN
ajebi-4721	116	5	al	al	PROPN
ajebi-4721	116	6	.	.	PUNCT
ajebi-4721	117	1	(	(	PUNCT
ajebi-4721	117	2	2016	2016	NUM
ajebi-4721	117	3	)	)	PUNCT
ajebi-4721	117	4	,	,	PUNCT
ajebi-4721	117	5	for	for	ADP
ajebi-4721	117	6	suitability	suitability	NOUN
ajebi-4721	117	7	in	in	ADP
ajebi-4721	117	8	the	the	DET
ajebi-4721	117	9	analysis	analysis	NOUN
ajebi-4721	117	10	of	of	ADP
ajebi-4721	117	11	various	various	ADJ
ajebi-4721	117	12	factors	factor	NOUN
ajebi-4721	117	13	,	,	PUNCT
ajebi-4721	117	14	it	it	PRON
ajebi-4721	117	15	is	be	AUX
ajebi-4721	117	16	adequate	adequate	ADJ
ajebi-4721	117	17	to	to	PART
ajebi-4721	117	18	estimate	estimate	VERB
ajebi-4721	117	19	the	the	DET
ajebi-4721	117	20	constructs	construct	NOUN
ajebi-4721	117	21	of	of	ADP
ajebi-4721	117	22	hidden	hidden	ADJ
ajebi-4721	117	23	variables	variable	NOUN
ajebi-4721	117	24	in	in	ADP
ajebi-4721	117	25	paths	path	NOUN
ajebi-4721	117	26	created	create	VERB
ajebi-4721	117	27	in	in	ADP
ajebi-4721	117	28	models	model	NOUN
ajebi-4721	117	29	.	.	PUNCT
ajebi-4721	118	1	also	also	ADV
ajebi-4721	118	2	,	,	PUNCT
ajebi-4721	118	3	the	the	DET
ajebi-4721	118	4	aims	aim	NOUN
ajebi-4721	118	5	of	of	ADP
ajebi-4721	118	6	the	the	DET
ajebi-4721	118	7	study	study	NOUN
ajebi-4721	118	8	are	be	AUX
ajebi-4721	118	9	supported	support	VERB
ajebi-4721	118	10	by	by	ADP
ajebi-4721	118	11	a	a	DET
ajebi-4721	118	12	model	model	NOUN
ajebi-4721	118	13	to	to	PART
ajebi-4721	118	14	help	help	VERB
ajebi-4721	118	15	in	in	ADP
ajebi-4721	118	16	determining	determine	VERB
ajebi-4721	118	17	the	the	DET
ajebi-4721	118	18	new	new	ADJ
ajebi-4721	118	19	and	and	CCONJ
ajebi-4721	118	20	old	old	ADJ
ajebi-4721	118	21	realities	reality	NOUN
ajebi-4721	118	22	of	of	ADP
ajebi-4721	118	23	the	the	DET
ajebi-4721	118	24	financial	financial	ADJ
ajebi-4721	118	25	sector	sector	NOUN
ajebi-4721	118	26	in	in	ADP
ajebi-4721	118	27	developing	develop	VERB
ajebi-4721	118	28	economies	economy	NOUN
ajebi-4721	118	29	by	by	ADP
ajebi-4721	118	30	explaining	explain	VERB
ajebi-4721	118	31	the	the	DET
ajebi-4721	118	32	variance	variance	NOUN
ajebi-4721	118	33	of	of	ADP
ajebi-4721	118	34	the	the	DET
ajebi-4721	118	35	constructs	construct	NOUN
ajebi-4721	118	36	.	.	PUNCT
ajebi-4721	119	1	400	400	NUM
ajebi-4721	119	2	samples	sample	NOUN
ajebi-4721	119	3	were	be	AUX
ajebi-4721	119	4	selected	select	VERB
ajebi-4721	119	5	,	,	PUNCT
ajebi-4721	119	6	pa	pa	PROPN
ajebi-4721	119	7	ge	ge	PROPN
ajebi-4721	119	8	10	10	NUM
ajebi-4721	119	9	1	1	NUM
ajebi-4721	119	10	https://journals.e-palli.com/home/index.php/ajebi	https://journals.e-palli.com/home/index.php/ajebi	NUM
ajebi-4721	119	11	am	am	NOUN
ajebi-4721	119	12	.	.	PUNCT
ajebi-4721	120	1	j.	j.	PROPN
ajebi-4721	120	2	econ	econ	PROPN
ajebi-4721	120	3	.	.	PUNCT
ajebi-4721	120	4	bus	bus	PROPN
ajebi-4721	120	5	.	.	PUNCT
ajebi-4721	121	1	innov	innov	PROPN
ajebi-4721	121	2	.	.	PUNCT
ajebi-4721	122	1	4(3	4(3	NUM
ajebi-4721	122	2	)	)	PUNCT
ajebi-4721	122	3	97	97	NUM
ajebi-4721	122	4	-	-	SYM
ajebi-4721	122	5	106	106	NUM
ajebi-4721	122	6	,	,	PUNCT
ajebi-4721	122	7	2025	2025	NUM
ajebi-4721	122	8	table	table	NOUN
ajebi-4721	122	9	1	1	NUM
ajebi-4721	122	10	:	:	PUNCT
ajebi-4721	122	11	correlation	correlation	NOUN
ajebi-4721	122	12	results	result	NOUN
ajebi-4721	122	13	of	of	ADP
ajebi-4721	122	14	developing	develop	VERB
ajebi-4721	122	15	economies	economy	NOUN
ajebi-4721	122	16	variables	variable	NOUN
ajebi-4721	122	17	variables	variable	VERB
ajebi-4721	122	18	1	1	NUM
ajebi-4721	122	19	2	2	NUM
ajebi-4721	122	20	3	3	NUM
ajebi-4721	122	21	4	4	NUM
ajebi-4721	122	22	5	5	NUM
ajebi-4721	122	23	6	6	NUM
ajebi-4721	122	24	7	7	NUM
ajebi-4721	122	25	8	8	NUM
ajebi-4721	122	26	9	9	NUM
ajebi-4721	122	27	10	10	NUM
ajebi-4721	122	28	11	11	NUM
ajebi-4721	122	29	12	12	NUM
ajebi-4721	122	30	control	control	NOUN
ajebi-4721	122	31	1	1	NUM
ajebi-4721	122	32	government	government	NOUN
ajebi-4721	122	33	policies	policy	NOUN
ajebi-4721	122	34	0.72	0.72	NUM
ajebi-4721	122	35	2	2	NUM
ajebi-4721	122	36	private	private	ADJ
ajebi-4721	122	37	-	-	PUNCT
ajebi-4721	122	38	foreign	foreign	ADJ
ajebi-4721	122	39	investors	investor	NOUN
ajebi-4721	122	40	0.11	0.11	NUM
ajebi-4721	122	41	0.10	0.10	NUM
ajebi-4721	122	42	3	3	NUM
ajebi-4721	122	43	security	security	NOUN
ajebi-4721	122	44	and	and	CCONJ
ajebi-4721	122	45	enforcement	enforcement	NOUN
ajebi-4721	122	46	tools	tool	NOUN
ajebi-4721	122	47	0.14	0.14	NUM
ajebi-4721	122	48	0.13	0.13	NUM
ajebi-4721	122	49	0.16	0.16	NUM
ajebi-4721	122	50	predictors	predictor	NOUN
ajebi-4721	122	51	4	4	NUM
ajebi-4721	122	52	financial	financial	ADJ
ajebi-4721	122	53	products	product	NOUN
ajebi-4721	122	54	and	and	CCONJ
ajebi-4721	122	55	services	service	NOUN
ajebi-4721	122	56	0.17	0.17	NUM
ajebi-4721	122	57	0.01	0.01	NUM
ajebi-4721	122	58	0.18	0.18	NUM
ajebi-4721	122	59	0.73	0.73	NUM
ajebi-4721	122	60	5	5	NUM
ajebi-4721	122	61	technology	technology	NOUN
ajebi-4721	122	62	0.13	0.13	NUM
ajebi-4721	122	63	0.11	0.11	NUM
ajebi-4721	122	64	0.21	0.21	NUM
ajebi-4721	122	65	0.22	0.22	NUM
ajebi-4721	122	66	0.77	0.77	NUM
ajebi-4721	122	67	6	6	NUM
ajebi-4721	122	68	medium	medium	NOUN
ajebi-4721	122	69	of	of	ADP
ajebi-4721	122	70	transacting	transact	VERB
ajebi-4721	122	71	0.041	0.041	NUM
ajebi-4721	122	72	-0.03	-0.03	NUM
ajebi-4721	122	73	0.93	0.93	NUM
ajebi-4721	122	74	0.02	0.02	NUM
ajebi-4721	122	75	0.08	0.08	NUM
ajebi-4721	122	76	0.66	0.66	NUM
ajebi-4721	122	77	7	7	NUM
ajebi-4721	122	78	supervision	supervision	NOUN
ajebi-4721	122	79	and	and	CCONJ
ajebi-4721	122	80	control	control	NOUN
ajebi-4721	122	81	0.42	0.42	NUM
ajebi-4721	122	82	-0.02	-0.02	NUM
ajebi-4721	122	83	0.33	0.33	NUM
ajebi-4721	122	84	0.20	0.20	NUM
ajebi-4721	122	85	0.14	0.14	NUM
ajebi-4721	122	86	0.72	0.72	NUM
ajebi-4721	122	87	0.80	0.80	NUM
ajebi-4721	122	88	8	8	NUM
ajebi-4721	122	89	market	market	NOUN
ajebi-4721	122	90	size	size	NOUN
ajebi-4721	122	91	and	and	CCONJ
ajebi-4721	122	92	focus	focus	VERB
ajebi-4721	122	93	0.38	0.38	NUM
ajebi-4721	122	94	0.03	0.03	NUM
ajebi-4721	122	95	0.32	0.32	NUM
ajebi-4721	122	96	0.40	0.40	NUM
ajebi-4721	122	97	0.34	0.34	NUM
ajebi-4721	122	98	0.18	0.18	NUM
ajebi-4721	122	99	0.41	0.41	NUM
ajebi-4721	122	100	0.82	0.82	NUM
ajebi-4721	122	101	results	result	NOUN
ajebi-4721	122	102	9	9	NUM
ajebi-4721	122	103	digital	digital	ADJ
ajebi-4721	122	104	financial	financial	ADJ
ajebi-4721	122	105	products	product	NOUN
ajebi-4721	122	106	0.37	0.37	NUM
ajebi-4721	122	107	-0.11	-0.11	NUM
ajebi-4721	122	108	0.34	0.34	NUM
ajebi-4721	122	109	0.23	0.23	NUM
ajebi-4721	122	110	0.29	0.29	NUM
ajebi-4721	122	111	0.16	0.16	NUM
ajebi-4721	122	112	0.43	0.43	NUM
ajebi-4721	122	113	0.69	0.69	NUM
ajebi-4721	122	114	0.78	0.78	NUM
ajebi-4721	122	115	10	10	NUM
ajebi-4721	122	116	global	global	ADJ
ajebi-4721	122	117	reach	reach	NOUN
ajebi-4721	122	118	/	/	SYM
ajebi-4721	122	119	market	market	NOUN
ajebi-4721	122	120	0.24	0.24	NUM
ajebi-4721	122	121	0.21	0.21	NUM
ajebi-4721	122	122	0.39	0.39	NUM
ajebi-4721	122	123	0.20	0.20	NUM
ajebi-4721	122	124	0.14	0.14	NUM
ajebi-4721	122	125	0.82	0.82	NUM
ajebi-4721	122	126	0.37	0.37	NUM
ajebi-4721	122	127	0.78	0.78	NUM
ajebi-4721	122	128	0.82	0.82	NUM
ajebi-4721	122	129	0.98	0.98	NUM
ajebi-4721	122	130	11	11	NUM
ajebi-4721	122	131	financial	financial	ADJ
ajebi-4721	122	132	selfservice	selfservice	NOUN
ajebi-4721	122	133	/	/	SYM
ajebi-4721	122	134	inclusion	inclusion	NOUN
ajebi-4721	122	135	0.37	0.37	NUM
ajebi-4721	122	136	0.37	0.37	NUM
ajebi-4721	122	137	0.41	0.41	NUM
ajebi-4721	122	138	0.27	0.27	NUM
ajebi-4721	122	139	0.23	0.23	NUM
ajebi-4721	122	140	0.18	0.18	NUM
ajebi-4721	122	141	0.40	0.40	NUM
ajebi-4721	122	142	0.79	0.79	NUM
ajebi-4721	122	143	0.12	0.12	NUM
ajebi-4721	122	144	0.98	0.98	NUM
ajebi-4721	122	145	0.94	0.94	NUM
ajebi-4721	122	146	12	12	NUM
ajebi-4721	122	147	sustained	sustained	ADJ
ajebi-4721	122	148	market	market	NOUN
ajebi-4721	122	149	growth	growth	NOUN
ajebi-4721	122	150	0.35	0.35	NUM
ajebi-4721	122	151	-0.12	-0.12	NUM
ajebi-4721	122	152	0.45	0.45	NUM
ajebi-4721	122	153	0.12	0.12	NUM
ajebi-4721	122	154	0.28	0.28	NUM
ajebi-4721	122	155	0.28	0.28	NUM
ajebi-4721	122	156	0.33	0.33	NUM
ajebi-4721	122	157	0.29	0.29	NUM
ajebi-4721	122	158	0.51	0.51	NUM
ajebi-4721	122	159	0.87	0.87	NUM
ajebi-4721	122	160	0.46	0.46	NUM
ajebi-4721	122	161	0.98	0.98	NUM
ajebi-4721	122	162	note	note	NOUN
ajebi-4721	122	163	:	:	PUNCT
ajebi-4721	122	164	n	n	PROPN
ajebi-4721	122	165	=	=	SYM
ajebi-4721	122	166	400	400	NUM
ajebi-4721	122	167	(	(	PUNCT
ajebi-4721	122	168	p	p	X
ajebi-4721	122	169	<	<	X
ajebi-4721	122	170	0.05	0.05	NUM
ajebi-4721	122	171	;	;	PUNCT
ajebi-4721	122	172	p	p	X
ajebi-4721	122	173	<	<	X
ajebi-4721	122	174	0.0	0.0	NUM
ajebi-4721	122	175	)	)	PUNCT
ajebi-4721	122	176	.	.	PUNCT
ajebi-4721	123	1	and	and	CCONJ
ajebi-4721	123	2	bootstrapping	bootstrappe	VERB
ajebi-4721	123	3	was	be	AUX
ajebi-4721	123	4	carried	carry	VERB
ajebi-4721	123	5	out	out	ADP
ajebi-4721	123	6	,	,	PUNCT
ajebi-4721	123	7	weighing	weigh	VERB
ajebi-4721	123	8	every	every	DET
ajebi-4721	123	9	400	400	NUM
ajebi-4721	123	10	cases	case	NOUN
ajebi-4721	123	11	(	(	PUNCT
ajebi-4721	123	12	the	the	DET
ajebi-4721	123	13	critical	critical	ADJ
ajebi-4721	123	14	value	value	NOUN
ajebi-4721	123	15	taken	take	VERB
ajebi-4721	123	16	was	be	AUX
ajebi-4721	123	17	t	t	NOUN
ajebi-4721	123	18	=	=	SYM
ajebi-4721	123	19	1.95	1.95	NUM
ajebi-4721	123	20	and	and	CCONJ
ajebi-4721	123	21	a	a	DET
ajebi-4721	123	22	p	p	NOUN
ajebi-4721	123	23	-	-	PUNCT
ajebi-4721	123	24	value	value	NOUN
ajebi-4721	123	25	<	<	NOUN
ajebi-4721	123	26	0.05	0.05	NUM
ajebi-4721	123	27	)	)	PUNCT
ajebi-4721	123	28	to	to	PART
ajebi-4721	123	29	guarantee	guarantee	VERB
ajebi-4721	123	30	the	the	DET
ajebi-4721	123	31	statistical	statistical	ADJ
ajebi-4721	123	32	weight	weight	NOUN
ajebi-4721	123	33	of	of	ADP
ajebi-4721	123	34	the	the	DET
ajebi-4721	123	35	sartpls	sartpls	NOUN
ajebi-4721	123	36	.	.	PUNCT
ajebi-4721	124	1	the	the	DET
ajebi-4721	124	2	latent	latent	NOUN
ajebi-4721	124	3	endogenous	endogenous	ADJ
ajebi-4721	124	4	variables	variable	NOUN
ajebi-4721	124	5	are	be	AUX
ajebi-4721	124	6	obtained	obtain	VERB
ajebi-4721	124	7	from	from	ADP
ajebi-4721	124	8	the	the	DET
ajebi-4721	124	9	indicators	indicator	NOUN
ajebi-4721	124	10	of	of	ADP
ajebi-4721	124	11	the	the	DET
ajebi-4721	124	12	observed	observe	VERB
ajebi-4721	124	13	item	item	NOUN
ajebi-4721	124	14	scores	score	NOUN
ajebi-4721	124	15	.	.	PUNCT
ajebi-4721	125	1	table	table	NOUN
ajebi-4721	125	2	1	1	NUM
ajebi-4721	125	3	shows	show	VERB
ajebi-4721	125	4	the	the	DET
ajebi-4721	125	5	correlation	correlation	NOUN
ajebi-4721	125	6	results	result	VERB
ajebi-4721	125	7	.	.	PUNCT
ajebi-4721	126	1	the	the	DET
ajebi-4721	126	2	study	study	NOUN
ajebi-4721	126	3	results	result	NOUN
ajebi-4721	126	4	show	show	VERB
ajebi-4721	126	5	strong	strong	ADJ
ajebi-4721	126	6	associations	association	NOUN
ajebi-4721	126	7	between	between	ADP
ajebi-4721	126	8	variable	variable	NOUN
ajebi-4721	126	9	(	(	PUNCT
ajebi-4721	126	10	1	1	NUM
ajebi-4721	126	11	and	and	CCONJ
ajebi-4721	126	12	2	2	NUM
ajebi-4721	126	13	)	)	PUNCT
ajebi-4721	126	14	private	private	ADJ
ajebi-4721	126	15	-	-	PUNCT
ajebi-4721	126	16	foreign	foreign	ADJ
ajebi-4721	126	17	investment	investment	NOUN
ajebi-4721	126	18	and	and	CCONJ
ajebi-4721	126	19	government	government	NOUN
ajebi-4721	126	20	policies	policy	NOUN
ajebi-4721	126	21	this	this	DET
ajebi-4721	126	22	finding	finding	NOUN
ajebi-4721	126	23	confirms	confirm	VERB
ajebi-4721	126	24	the	the	DET
ajebi-4721	126	25	result	result	NOUN
ajebi-4721	126	26	found	find	VERB
ajebi-4721	126	27	in	in	ADP
ajebi-4721	126	28	the	the	DET
ajebi-4721	126	29	literature	literature	NOUN
ajebi-4721	126	30	that	that	PRON
ajebi-4721	126	31	indicates	indicate	VERB
ajebi-4721	126	32	that	that	SCONJ
ajebi-4721	126	33	policies	policy	NOUN
ajebi-4721	126	34	of	of	ADP
ajebi-4721	126	35	government	government	NOUN
ajebi-4721	126	36	significantly	significantly	ADV
ajebi-4721	126	37	impact	impact	VERB
ajebi-4721	126	38	foreign	foreign	ADJ
ajebi-4721	126	39	and	and	CCONJ
ajebi-4721	126	40	private	private	ADJ
ajebi-4721	126	41	investment	investment	NOUN
ajebi-4721	126	42	,	,	PUNCT
ajebi-4721	126	43	with	with	ADP
ajebi-4721	126	44	favourable	favourable	ADJ
ajebi-4721	126	45	policies	policy	NOUN
ajebi-4721	126	46	including	include	VERB
ajebi-4721	126	47	economic	economic	ADJ
ajebi-4721	126	48	stability	stability	NOUN
ajebi-4721	126	49	,	,	PUNCT
ajebi-4721	126	50	trusted	trust	VERB
ajebi-4721	126	51	legal	legal	ADJ
ajebi-4721	126	52	frameworks	framework	NOUN
ajebi-4721	126	53	generally	generally	ADV
ajebi-4721	126	54	aiding	aid	VERB
ajebi-4721	126	55	more	more	ADJ
ajebi-4721	126	56	investment	investment	NOUN
ajebi-4721	126	57	,	,	PUNCT
ajebi-4721	126	58	while	while	SCONJ
ajebi-4721	126	59	harsh	harsh	ADJ
ajebi-4721	126	60	policies	policy	NOUN
ajebi-4721	126	61	in	in	ADP
ajebi-4721	126	62	most	most	ADJ
ajebi-4721	126	63	cases	case	NOUN
ajebi-4721	126	64	can	can	AUX
ajebi-4721	126	65	deter	deter	VERB
ajebi-4721	126	66	investment	investment	NOUN
ajebi-4721	126	67	(	(	PUNCT
ajebi-4721	126	68	morrissey	morrissey	PROPN
ajebi-4721	126	69	et	et	PROPN
ajebi-4721	126	70	al	al	PROPN
ajebi-4721	126	71	.	.	PROPN
ajebi-4721	126	72	,	,	PUNCT
ajebi-4721	126	73	2012	2012	NUM
ajebi-4721	126	74	)	)	PUNCT
ajebi-4721	126	75	.	.	PUNCT
ajebi-4721	127	1	also	also	ADV
ajebi-4721	127	2	,	,	PUNCT
ajebi-4721	127	3	the	the	DET
ajebi-4721	127	4	study	study	NOUN
ajebi-4721	127	5	noted	note	VERB
ajebi-4721	127	6	that	that	SCONJ
ajebi-4721	127	7	financial	financial	ADJ
ajebi-4721	127	8	inclusion	inclusion	NOUN
ajebi-4721	127	9	correlation	correlation	NOUN
ajebi-4721	127	10	with	with	ADP
ajebi-4721	127	11	government	government	NOUN
ajebi-4721	127	12	policy	policy	NOUN
ajebi-4721	127	13	(	(	PUNCT
ajebi-4721	127	14	variable	variable	NOUN
ajebi-4721	127	15	1	1	NUM
ajebi-4721	127	16	and	and	CCONJ
ajebi-4721	127	17	11	11	NUM
ajebi-4721	127	18	)	)	PUNCT
ajebi-4721	127	19	.	.	PUNCT
ajebi-4721	128	1	similarly	similarly	ADV
ajebi-4721	128	2	,	,	PUNCT
ajebi-4721	128	3	tran	tran	PROPN
ajebi-4721	128	4	et	et	PROPN
ajebi-4721	128	5	al	al	PROPN
ajebi-4721	128	6	.	.	PROPN
ajebi-4721	128	7	(	(	PUNCT
ajebi-4721	128	8	2023	2023	NUM
ajebi-4721	128	9	)	)	PUNCT
ajebi-4721	128	10	noted	note	VERB
ajebi-4721	128	11	that	that	SCONJ
ajebi-4721	128	12	a	a	DET
ajebi-4721	128	13	contrary	contrary	NOUN
ajebi-4721	128	14	’s	’s	PART
ajebi-4721	128	15	financial	financial	ADJ
ajebi-4721	128	16	inclusion	inclusion	NOUN
ajebi-4721	128	17	increases	increase	VERB
ajebi-4721	128	18	financial	financial	ADJ
ajebi-4721	128	19	instability	instability	NOUN
ajebi-4721	128	20	and	and	CCONJ
ajebi-4721	128	21	recommends	recommend	VERB
ajebi-4721	128	22	that	that	SCONJ
ajebi-4721	128	23	economies	economy	NOUN
ajebi-4721	128	24	must	must	AUX
ajebi-4721	128	25	have	have	VERB
ajebi-4721	128	26	financial	financial	ADJ
ajebi-4721	128	27	inclusion	inclusion	NOUN
ajebi-4721	128	28	and	and	CCONJ
ajebi-4721	128	29	monetary	monetary	ADJ
ajebi-4721	128	30	policy	policy	NOUN
ajebi-4721	128	31	to	to	PART
ajebi-4721	128	32	promote	promote	VERB
ajebi-4721	128	33	financial	financial	ADJ
ajebi-4721	128	34	stability	stability	NOUN
ajebi-4721	128	35	.	.	PUNCT
ajebi-4721	129	1	in	in	ADP
ajebi-4721	129	2	addition	addition	NOUN
ajebi-4721	129	3	,	,	PUNCT
ajebi-4721	129	4	the	the	DET
ajebi-4721	129	5	study	study	NOUN
ajebi-4721	129	6	results	result	NOUN
ajebi-4721	129	7	indicate	indicate	VERB
ajebi-4721	129	8	that	that	SCONJ
ajebi-4721	129	9	global	global	ADJ
ajebi-4721	129	10	reach	reach	NOUN
ajebi-4721	129	11	/market	/market	NOUN
ajebi-4721	129	12	has	have	VERB
ajebi-4721	129	13	association	association	NOUN
ajebi-4721	129	14	with	with	ADP
ajebi-4721	129	15	government	government	NOUN
ajebi-4721	129	16	policy	policy	NOUN
ajebi-4721	129	17	,	,	PUNCT
ajebi-4721	129	18	that	that	PRON
ajebi-4721	129	19	is	be	AUX
ajebi-4721	129	20	variables	variable	NOUN
ajebi-4721	129	21	10	10	NUM
ajebi-4721	129	22	and	and	CCONJ
ajebi-4721	129	23	1	1	NUM
ajebi-4721	129	24	.	.	PUNCT
ajebi-4721	130	1	in	in	ADP
ajebi-4721	130	2	the	the	DET
ajebi-4721	130	3	same	same	ADJ
ajebi-4721	130	4	vein	vein	ADJ
ajebi-4721	130	5	literature	literature	NOUN
ajebi-4721	130	6	has	have	AUX
ajebi-4721	130	7	shown	show	VERB
ajebi-4721	130	8	that	that	SCONJ
ajebi-4721	130	9	trade	trade	NOUN
ajebi-4721	130	10	openness	openness	NOUN
ajebi-4721	130	11	benefits	benefit	NOUN
ajebi-4721	130	12	country	country	NOUN
ajebi-4721	130	13	’s	’s	PART
ajebi-4721	130	14	business	business	NOUN
ajebi-4721	130	15	owners	owner	NOUN
ajebi-4721	130	16	’	'	PUNCT
ajebi-4721	130	17	income	income	NOUN
ajebi-4721	130	18	as	as	ADP
ajebi-4721	130	19	welfare	welfare	NOUN
ajebi-4721	130	20	-	-	PUNCT
ajebi-4721	130	21	state	state	NOUN
ajebi-4721	130	22	policy	policy	NOUN
ajebi-4721	130	23	tend	tend	VERB
ajebi-4721	130	24	to	to	PART
ajebi-4721	130	25	support	support	VERB
ajebi-4721	130	26	the	the	DET
ajebi-4721	130	27	income	income	NOUN
ajebi-4721	130	28	group	group	NOUN
ajebi-4721	130	29	that	that	PRON
ajebi-4721	130	30	is	be	AUX
ajebi-4721	130	31	politically	politically	ADV
ajebi-4721	130	32	dominant	dominant	ADJ
ajebi-4721	130	33	(	(	PUNCT
ajebi-4721	130	34	razin	razin	NOUN
ajebi-4721	130	35	,	,	PUNCT
ajebi-4721	130	36	2022	2022	NUM
ajebi-4721	130	37	)	)	PUNCT
ajebi-4721	130	38	.	.	PUNCT
ajebi-4721	131	1	also	also	ADV
ajebi-4721	131	2	,	,	PUNCT
ajebi-4721	131	3	technology	technology	NOUN
ajebi-4721	131	4	is	be	AUX
ajebi-4721	131	5	found	find	VERB
ajebi-4721	131	6	to	to	PART
ajebi-4721	131	7	correlate	correlate	VERB
ajebi-4721	131	8	with	with	ADP
ajebi-4721	131	9	digital	digital	ADJ
ajebi-4721	131	10	financial	financial	ADJ
ajebi-4721	131	11	products	product	NOUN
ajebi-4721	131	12	variables	variable	NOUN
ajebi-4721	131	13	(	(	PUNCT
ajebi-4721	131	14	5	5	NUM
ajebi-4721	131	15	and	and	CCONJ
ajebi-4721	131	16	9	9	NUM
ajebi-4721	131	17	)	)	PUNCT
ajebi-4721	131	18	.	.	PUNCT
ajebi-4721	132	1	this	this	DET
ajebi-4721	132	2	result	result	NOUN
ajebi-4721	132	3	of	of	ADP
ajebi-4721	132	4	the	the	DET
ajebi-4721	132	5	study	study	NOUN
ajebi-4721	132	6	reveals	reveal	VERB
ajebi-4721	132	7	that	that	SCONJ
ajebi-4721	132	8	advancement	advancement	NOUN
ajebi-4721	132	9	in	in	ADP
ajebi-4721	132	10	technology	technology	NOUN
ajebi-4721	132	11	drives	drive	VERB
ajebi-4721	132	12	digital	digital	ADJ
ajebi-4721	132	13	financial	financial	ADJ
ajebi-4721	132	14	products	product	NOUN
ajebi-4721	132	15	introduction	introduction	NOUN
ajebi-4721	132	16	in	in	ADP
ajebi-4721	132	17	the	the	DET
ajebi-4721	132	18	financial	financial	ADJ
ajebi-4721	132	19	sector	sector	NOUN
ajebi-4721	132	20	of	of	ADP
ajebi-4721	132	21	developing	develop	VERB
ajebi-4721	132	22	economies	economy	NOUN
ajebi-4721	132	23	.	.	PUNCT
ajebi-4721	133	1	similarly	similarly	ADV
ajebi-4721	133	2	,	,	PUNCT
ajebi-4721	133	3	al	al	PROPN
ajebi-4721	133	4	-	-	PUNCT
ajebi-4721	133	5	smadi	smadi	NOUN
ajebi-4721	133	6	(	(	PUNCT
ajebi-4721	133	7	2023	2023	NUM
ajebi-4721	133	8	)	)	PUNCT
ajebi-4721	133	9	noted	note	VERB
ajebi-4721	133	10	that	that	SCONJ
ajebi-4721	133	11	technology	technology	NOUN
ajebi-4721	133	12	promotes	promote	VERB
ajebi-4721	133	13	electronic	electronic	ADJ
ajebi-4721	133	14	financial	financial	ADJ
ajebi-4721	133	15	products	product	NOUN
ajebi-4721	133	16	and	and	CCONJ
ajebi-4721	133	17	services	service	NOUN
ajebi-4721	133	18	,	,	PUNCT
ajebi-4721	133	19	including	include	VERB
ajebi-4721	133	20	payment	payment	NOUN
ajebi-4721	133	21	,	,	PUNCT
ajebi-4721	133	22	investment	investment	NOUN
ajebi-4721	133	23	,	,	PUNCT
ajebi-4721	133	24	insurance	insurance	NOUN
ajebi-4721	133	25	,	,	PUNCT
ajebi-4721	133	26	financing	financing	NOUN
ajebi-4721	133	27	,	,	PUNCT
ajebi-4721	133	28	and	and	CCONJ
ajebi-4721	133	29	financial	financial	ADJ
ajebi-4721	133	30	information	information	NOUN
ajebi-4721	133	31	sharing	share	VERB
ajebi-4721	133	32	over	over	ADP
ajebi-4721	133	33	digital	digital	ADJ
ajebi-4721	133	34	channels	channel	NOUN
ajebi-4721	133	35	.	.	PUNCT
ajebi-4721	134	1	there	there	PRON
ajebi-4721	134	2	is	be	VERB
ajebi-4721	134	3	a	a	DET
ajebi-4721	134	4	significant	significant	ADJ
ajebi-4721	134	5	investment	investment	NOUN
ajebi-4721	134	6	on	on	ADP
ajebi-4721	134	7	the	the	DET
ajebi-4721	134	8	introduction	introduction	NOUN
ajebi-4721	134	9	of	of	ADP
ajebi-4721	134	10	financial	financial	ADJ
ajebi-4721	134	11	technologies	technology	NOUN
ajebi-4721	134	12	in	in	ADP
ajebi-4721	134	13	the	the	DET
ajebi-4721	134	14	banking	banking	NOUN
ajebi-4721	134	15	industry	industry	NOUN
ajebi-4721	134	16	in	in	ADP
ajebi-4721	134	17	developing	develop	VERB
ajebi-4721	134	18	countries	country	NOUN
ajebi-4721	134	19	to	to	PART
ajebi-4721	134	20	achieve	achieve	VERB
ajebi-4721	134	21	financial	financial	ADJ
ajebi-4721	134	22	inclusion	inclusion	NOUN
ajebi-4721	134	23	.	.	PUNCT
ajebi-4721	135	1	also	also	ADV
ajebi-4721	135	2	,	,	PUNCT
ajebi-4721	135	3	digital	digital	ADJ
ajebi-4721	135	4	financial	financial	ADJ
ajebi-4721	135	5	products	product	NOUN
ajebi-4721	135	6	including	include	VERB
ajebi-4721	135	7	mobile	mobile	ADJ
ajebi-4721	135	8	banking	banking	NOUN
ajebi-4721	135	9	,	,	PUNCT
ajebi-4721	135	10	atm	atm	PROPN
ajebi-4721	135	11	,	,	PUNCT
ajebi-4721	135	12	and	and	CCONJ
ajebi-4721	135	13	pos	pos	NOUN
ajebi-4721	135	14	,	,	PUNCT
ajebi-4721	135	15	are	be	AUX
ajebi-4721	135	16	found	find	VERB
ajebi-4721	135	17	to	to	PART
ajebi-4721	135	18	have	have	VERB
ajebi-4721	135	19	significant	significant	ADJ
ajebi-4721	135	20	positive	positive	ADJ
ajebi-4721	135	21	impact	impact	NOUN
ajebi-4721	135	22	on	on	ADP
ajebi-4721	135	23	financial	financial	ADJ
ajebi-4721	135	24	inclusion	inclusion	NOUN
ajebi-4721	135	25	(	(	PUNCT
ajebi-4721	135	26	menza	menza	PROPN
ajebi-4721	135	27	et	et	PROPN
ajebi-4721	135	28	al	al	PROPN
ajebi-4721	135	29	.	.	PROPN
ajebi-4721	135	30	,	,	PUNCT
ajebi-4721	135	31	2024	2024	NUM
ajebi-4721	135	32	)	)	PUNCT
ajebi-4721	135	33	.	.	PUNCT
ajebi-4721	136	1	the	the	DET
ajebi-4721	136	2	study	study	NOUN
ajebi-4721	136	3	results	result	VERB
ajebi-4721	136	4	further	far	ADV
ajebi-4721	136	5	noted	note	VERB
ajebi-4721	136	6	that	that	SCONJ
ajebi-4721	136	7	medium	medium	NOUN
ajebi-4721	136	8	of	of	ADP
ajebi-4721	136	9	transaction	transaction	NOUN
ajebi-4721	136	10	(	(	PUNCT
ajebi-4721	136	11	variable	variable	NOUN
ajebi-4721	136	12	3	3	NUM
ajebi-4721	136	13	)	)	PUNCT
ajebi-4721	136	14	have	have	VERB
ajebi-4721	136	15	strong	strong	ADJ
ajebi-4721	136	16	association	association	NOUN
ajebi-4721	136	17	with	with	ADP
ajebi-4721	136	18	all	all	DET
ajebi-4721	136	19	the	the	DET
ajebi-4721	136	20	variables	variable	NOUN
ajebi-4721	136	21	.	.	PUNCT
ajebi-4721	137	1	the	the	PRON
ajebi-4721	137	2	includes	include	VERB
ajebi-4721	137	3	electronic	electronic	ADJ
ajebi-4721	137	4	financial	financial	ADJ
ajebi-4721	137	5	transactions	transaction	NOUN
ajebi-4721	137	6	methods	method	NOUN
ajebi-4721	137	7	used	use	VERB
ajebi-4721	137	8	to	to	PART
ajebi-4721	137	9	facilitate	facilitate	VERB
ajebi-4721	137	10	the	the	DET
ajebi-4721	137	11	transfer	transfer	NOUN
ajebi-4721	137	12	of	of	ADP
ajebi-4721	137	13	value	value	NOUN
ajebi-4721	137	14	including	include	VERB
ajebi-4721	137	15	credit	credit	NOUN
ajebi-4721	137	16	/	/	SYM
ajebi-4721	137	17	debit	debit	NOUN
ajebi-4721	137	18	cards	card	NOUN
ajebi-4721	137	19	,	,	PUNCT
ajebi-4721	137	20	online	online	ADJ
ajebi-4721	137	21	banking	banking	NOUN
ajebi-4721	137	22	,	,	PUNCT
ajebi-4721	137	23	mobile	mobile	ADJ
ajebi-4721	137	24	wallets	wallet	NOUN
ajebi-4721	137	25	,	,	PUNCT
ajebi-4721	137	26	other	other	ADJ
ajebi-4721	137	27	than	than	ADP
ajebi-4721	137	28	physical	physical	ADJ
ajebi-4721	137	29	checks	check	NOUN
ajebi-4721	137	30	or	or	CCONJ
ajebi-4721	137	31	cash	cash	NOUN
ajebi-4721	137	32	.	.	PUNCT
ajebi-4721	138	1	most	most	ADJ
ajebi-4721	138	2	common	common	ADJ
ajebi-4721	138	3	examples	example	NOUN
ajebi-4721	138	4	of	of	ADP
ajebi-4721	138	5	medium	medium	NOUN
ajebi-4721	138	6	of	of	ADP
ajebi-4721	138	7	digital	digital	ADJ
ajebi-4721	138	8	transactions	transaction	NOUN
ajebi-4721	138	9	are	be	AUX
ajebi-4721	138	10	credit	credit	NOUN
ajebi-4721	138	11	/	/	SYM
ajebi-4721	138	12	debit	debit	NOUN
ajebi-4721	138	13	,	,	PUNCT
ajebi-4721	138	14	mobile	mobile	ADJ
ajebi-4721	138	15	wallets	wallet	NOUN
ajebi-4721	138	16	,	,	PUNCT
ajebi-4721	138	17	online	online	ADJ
ajebi-4721	138	18	upi	upi	PROPN
ajebi-4721	138	19	(	(	PUNCT
ajebi-4721	138	20	unified	unified	ADJ
ajebi-4721	138	21	payments	payment	NOUN
ajebi-4721	138	22	interface	interface	NOUN
ajebi-4721	138	23	)	)	PUNCT
ajebi-4721	138	24	electronic	electronic	ADJ
ajebi-4721	138	25	funds	fund	NOUN
ajebi-4721	138	26	transfer	transfer	NOUN
ajebi-4721	138	27	(	(	PUNCT
ajebi-4721	138	28	eft	eft	PROPN
ajebi-4721	138	29	)	)	PUNCT
ajebi-4721	138	30	,	,	PUNCT
ajebi-4721	138	31	neft	neft	VERB
ajebi-4721	138	32	(	(	PUNCT
ajebi-4721	138	33	national	national	ADJ
ajebi-4721	138	34	electronic	electronic	ADJ
ajebi-4721	138	35	funds	fund	NOUN
ajebi-4721	138	36	transfer	transfer	NOUN
ajebi-4721	138	37	)	)	PUNCT
ajebi-4721	138	38	,	,	PUNCT
ajebi-4721	138	39	imps	imp	NOUN
ajebi-4721	138	40	(	(	PUNCT
ajebi-4721	138	41	immediate	immediate	ADJ
ajebi-4721	138	42	payment	payment	NOUN
ajebi-4721	138	43	service	service	NOUN
ajebi-4721	138	44	)	)	PUNCT
ajebi-4721	138	45	,	,	PUNCT
ajebi-4721	138	46	aadhaar	aadhaar	NOUN
ajebi-4721	138	47	pay	pay	VERB
ajebi-4721	138	48	,	,	PUNCT
ajebi-4721	138	49	and	and	CCONJ
ajebi-4721	138	50	prepaid	prepaid	ADJ
ajebi-4721	138	51	cards	card	NOUN
ajebi-4721	138	52	(	(	PUNCT
ajebi-4721	138	53	fu	fu	ADJ
ajebi-4721	138	54	,	,	PUNCT
ajebi-4721	138	55	2023	2023	NUM
ajebi-4721	138	56	;	;	PUNCT
ajebi-4721	138	57	razorpay	razorpay	NOUN
ajebi-4721	138	58	,	,	PUNCT
ajebi-4721	138	59	2025	2025	NUM
ajebi-4721	138	60	)	)	PUNCT
ajebi-4721	138	61	.	.	PUNCT
ajebi-4721	139	1	in	in	ADP
ajebi-4721	139	2	addition	addition	NOUN
ajebi-4721	139	3	,	,	PUNCT
ajebi-4721	139	4	the	the	DET
ajebi-4721	139	5	study	study	NOUN
ajebi-4721	139	6	noted	note	VERB
ajebi-4721	139	7	that	that	SCONJ
ajebi-4721	139	8	government	government	NOUN
ajebi-4721	139	9	policies	policy	NOUN
ajebi-4721	139	10	correlate	correlate	VERB
ajebi-4721	139	11	with	with	ADP
ajebi-4721	139	12	all	all	DET
ajebi-4721	139	13	the	the	DET
ajebi-4721	139	14	variables	variable	NOUN
ajebi-4721	139	15	.	.	PUNCT
ajebi-4721	140	1	in	in	ADP
ajebi-4721	140	2	the	the	DET
ajebi-4721	140	3	same	same	ADJ
ajebi-4721	140	4	vain	vain	NOUN
ajebi-4721	140	5	gan	gan	NOUN
ajebi-4721	140	6	et	et	PROPN
ajebi-4721	140	7	al	al	PROPN
ajebi-4721	140	8	,	,	PUNCT
ajebi-4721	140	9	2023	2023	NUM
ajebi-4721	140	10	highlights	highlight	NOUN
ajebi-4721	140	11	that	that	PRON
ajebi-4721	140	12	empirical	empirical	ADJ
ajebi-4721	140	13	studies	study	NOUN
ajebi-4721	140	14	have	have	AUX
ajebi-4721	140	15	proved	prove	VERB
ajebi-4721	140	16	that	that	SCONJ
ajebi-4721	140	17	the	the	DET
ajebi-4721	140	18	existence	existence	NOUN
ajebi-4721	140	19	of	of	ADP
ajebi-4721	140	20	digital	digital	ADJ
ajebi-4721	140	21	government	government	NOUN
ajebi-4721	140	22	helps	help	VERB
ajebi-4721	140	23	to	to	PART
ajebi-4721	140	24	improves	improve	VERB
ajebi-4721	140	25	natural	natural	ADJ
ajebi-4721	140	26	resource	resource	NOUN
ajebi-4721	140	27	efficiency	efficiency	NOUN
ajebi-4721	140	28	.	.	PUNCT
ajebi-4721	141	1	also	also	ADV
ajebi-4721	141	2	,	,	PUNCT
ajebi-4721	141	3	the	the	DET
ajebi-4721	141	4	beneficial	beneficial	ADJ
ajebi-4721	141	5	impacts	impact	NOUN
ajebi-4721	141	6	of	of	ADP
ajebi-4721	141	7	a	a	DET
ajebi-4721	141	8	digital	digital	ADJ
ajebi-4721	141	9	government	government	NOUN
ajebi-4721	141	10	is	be	AUX
ajebi-4721	141	11	diffused	diffuse	VERB
ajebi-4721	141	12	through	through	ADP
ajebi-4721	141	13	three	three	NUM
ajebi-4721	141	14	channels	channel	NOUN
ajebi-4721	141	15	:	:	PUNCT
ajebi-4721	141	16	government	government	NOUN
ajebi-4721	141	17	efficiency	efficiency	NOUN
ajebi-4721	141	18	,	,	PUNCT
ajebi-4721	141	19	regional	regional	ADJ
ajebi-4721	141	20	digital	digital	ADJ
ajebi-4721	141	21	infrastructure	infrastructure	NOUN
ajebi-4721	141	22	,	,	PUNCT
ajebi-4721	141	23	and	and	CCONJ
ajebi-4721	141	24	regional	regional	ADJ
ajebi-4721	141	25	innovation	innovation	NOUN
ajebi-4721	141	26	and	and	CCONJ
ajebi-4721	141	27	green	green	ADJ
ajebi-4721	141	28	innovation	innovation	NOUN
ajebi-4721	141	29	levels	level	NOUN
ajebi-4721	141	30	.	.	PUNCT
ajebi-4721	142	1	in	in	ADP
ajebi-4721	142	2	addition	addition	NOUN
ajebi-4721	142	3	,	,	PUNCT
ajebi-4721	142	4	empirical	empirical	ADJ
ajebi-4721	142	5	studies	study	NOUN
ajebi-4721	142	6	posit	posit	VERB
ajebi-4721	142	7	that	that	SCONJ
ajebi-4721	142	8	government	government	NOUN
ajebi-4721	142	9	policy	policy	NOUN
ajebi-4721	142	10	on	on	ADP
ajebi-4721	142	11	financial	financial	ADJ
ajebi-4721	142	12	technology	technology	NOUN
ajebi-4721	142	13	encompasses	encompass	VERB
ajebi-4721	142	14	inclusion	inclusion	NOUN
ajebi-4721	142	15	utilizing	utilize	VERB
ajebi-4721	142	16	pa	pa	PROPN
ajebi-4721	142	17	ge	ge	PROPN
ajebi-4721	142	18	10	10	NUM
ajebi-4721	142	19	2	2	NUM
ajebi-4721	142	20	https://journals.e-palli.com/home/index.php/ajebi	https://journals.e-palli.com/home/index.php/ajebi	NUM
ajebi-4721	142	21	am	am	NOUN
ajebi-4721	142	22	.	.	PUNCT
ajebi-4721	143	1	j.	j.	PROPN
ajebi-4721	143	2	econ	econ	PROPN
ajebi-4721	143	3	.	.	PUNCT
ajebi-4721	143	4	bus	bus	PROPN
ajebi-4721	143	5	.	.	PUNCT
ajebi-4721	144	1	innov	innov	PROPN
ajebi-4721	144	2	.	.	PUNCT
ajebi-4721	145	1	4(3	4(3	NUM
ajebi-4721	145	2	)	)	PUNCT
ajebi-4721	145	3	97	97	NUM
ajebi-4721	145	4	-	-	SYM
ajebi-4721	145	5	106	106	NUM
ajebi-4721	145	6	,	,	PUNCT
ajebi-4721	145	7	2025	2025	NUM
ajebi-4721	145	8	digital	digital	ADJ
ajebi-4721	145	9	technologies	technology	NOUN
ajebi-4721	145	10	to	to	PART
ajebi-4721	145	11	limit	limit	VERB
ajebi-4721	145	12	financial	financial	ADJ
ajebi-4721	145	13	access	access	NOUN
ajebi-4721	145	14	gaps	gap	NOUN
ajebi-4721	145	15	and	and	CCONJ
ajebi-4721	145	16	ensure	ensure	VERB
ajebi-4721	145	17	all	all	PRON
ajebi-4721	145	18	are	be	AUX
ajebi-4721	145	19	included	include	VERB
ajebi-4721	145	20	.	.	PUNCT
ajebi-4721	146	1	openness	openness	NOUN
ajebi-4721	146	2	and	and	CCONJ
ajebi-4721	146	3	interoperability	interoperability	NOUN
ajebi-4721	146	4	–	–	PUNCT
ajebi-4721	146	5	government	government	NOUN
ajebi-4721	146	6	policies	policy	NOUN
ajebi-4721	146	7	should	should	AUX
ajebi-4721	146	8	support	support	VERB
ajebi-4721	146	9	data	data	NOUN
ajebi-4721	146	10	generation	generation	NOUN
ajebi-4721	146	11	,	,	PUNCT
ajebi-4721	146	12	exchange	exchange	NOUN
ajebi-4721	146	13	across	across	ADP
ajebi-4721	146	14	sectors	sector	NOUN
ajebi-4721	146	15	,	,	PUNCT
ajebi-4721	146	16	and	and	CCONJ
ajebi-4721	146	17	sharing	sharing	NOUN
ajebi-4721	146	18	.	.	PUNCT
ajebi-4721	147	1	also	also	ADV
ajebi-4721	147	2	,	,	PUNCT
ajebi-4721	147	3	support	support	NOUN
ajebi-4721	147	4	for	for	ADP
ajebi-4721	147	5	entrepreneurship	entrepreneurship	NOUN
ajebi-4721	147	6	and	and	CCONJ
ajebi-4721	147	7	innovation	innovation	NOUN
ajebi-4721	147	8	is	be	AUX
ajebi-4721	147	9	very	very	ADV
ajebi-4721	147	10	key	key	ADJ
ajebi-4721	147	11	in	in	ADP
ajebi-4721	147	12	growing	grow	VERB
ajebi-4721	147	13	economic	economic	ADJ
ajebi-4721	147	14	value	value	NOUN
ajebi-4721	147	15	through	through	ADP
ajebi-4721	147	16	digitally	digitally	ADV
ajebi-4721	147	17	enabled	enable	VERB
ajebi-4721	147	18	ventures	venture	NOUN
ajebi-4721	147	19	driven	drive	VERB
ajebi-4721	147	20	by	by	ADP
ajebi-4721	147	21	innovation	innovation	NOUN
ajebi-4721	147	22	.	.	PUNCT
ajebi-4721	148	1	people	people	NOUN
ajebi-4721	148	2	-	-	PUNCT
ajebi-4721	148	3	centred	centre	VERB
ajebi-4721	148	4	development	development	NOUN
ajebi-4721	148	5	–	–	PUNCT
ajebi-4721	148	6	an	an	DET
ajebi-4721	148	7	economy	economy	NOUN
ajebi-4721	148	8	technology	technology	NOUN
ajebi-4721	148	9	policy	policy	NOUN
ajebi-4721	148	10	should	should	AUX
ajebi-4721	148	11	ensure	ensure	VERB
ajebi-4721	148	12	that	that	SCONJ
ajebi-4721	148	13	digital	digital	ADJ
ajebi-4721	148	14	services	service	NOUN
ajebi-4721	148	15	are	be	AUX
ajebi-4721	148	16	designed	design	VERB
ajebi-4721	148	17	to	to	PART
ajebi-4721	148	18	be	be	AUX
ajebi-4721	148	19	accessible	accessible	ADJ
ajebi-4721	148	20	to	to	ADP
ajebi-4721	148	21	all	all	DET
ajebi-4721	148	22	societal	societal	ADJ
ajebi-4721	148	23	segments	segment	NOUN
ajebi-4721	148	24	and	and	CCONJ
ajebi-4721	148	25	sectors	sector	NOUN
ajebi-4721	148	26	.	.	PUNCT
ajebi-4721	149	1	in	in	ADP
ajebi-4721	149	2	addition	addition	NOUN
ajebi-4721	149	3	,	,	PUNCT
ajebi-4721	149	4	sustainability	sustainability	NOUN
ajebi-4721	149	5	that	that	PRON
ajebi-4721	149	6	ensures	ensure	VERB
ajebi-4721	149	7	a	a	DET
ajebi-4721	149	8	balancing	balancing	NOUN
ajebi-4721	149	9	in	in	ADP
ajebi-4721	149	10	economic	economic	ADJ
ajebi-4721	149	11	growth	growth	NOUN
ajebi-4721	149	12	with	with	ADP
ajebi-4721	149	13	environmental	environmental	ADJ
ajebi-4721	149	14	and	and	CCONJ
ajebi-4721	149	15	social	social	ADJ
ajebi-4721	149	16	impacts	impact	NOUN
ajebi-4721	149	17	is	be	AUX
ajebi-4721	149	18	a	a	DET
ajebi-4721	149	19	key	key	ADJ
ajebi-4721	149	20	element	element	NOUN
ajebi-4721	149	21	of	of	ADP
ajebi-4721	149	22	government	government	NOUN
ajebi-4721	149	23	policy	policy	NOUN
ajebi-4721	149	24	.	.	PUNCT
ajebi-4721	150	1	also	also	ADV
ajebi-4721	150	2	,	,	PUNCT
ajebi-4721	150	3	privacy	privacy	NOUN
ajebi-4721	150	4	,	,	PUNCT
ajebi-4721	150	5	trust	trust	NOUN
ajebi-4721	150	6	and	and	CCONJ
ajebi-4721	150	7	security	security	NOUN
ajebi-4721	150	8	that	that	PRON
ajebi-4721	150	9	ensures	ensure	VERB
ajebi-4721	150	10	standards	standard	NOUN
ajebi-4721	150	11	and	and	CCONJ
ajebi-4721	150	12	protect	protect	VERB
ajebi-4721	150	13	assets	asset	NOUN
ajebi-4721	150	14	and	and	CCONJ
ajebi-4721	150	15	exchanges	exchange	NOUN
ajebi-4721	150	16	are	be	AUX
ajebi-4721	150	17	achieved	achieve	VERB
ajebi-4721	150	18	through	through	ADP
ajebi-4721	150	19	government	government	NOUN
ajebi-4721	150	20	policy	policy	NOUN
ajebi-4721	150	21	on	on	ADP
ajebi-4721	150	22	digital	digital	ADJ
ajebi-4721	150	23	financial	financial	ADJ
ajebi-4721	150	24	technology	technology	NOUN
ajebi-4721	150	25	.	.	PUNCT
ajebi-4721	151	1	more	more	ADV
ajebi-4721	151	2	importantly	importantly	ADV
ajebi-4721	151	3	,	,	PUNCT
ajebi-4721	151	4	a	a	DET
ajebi-4721	151	5	collaborative	collaborative	ADJ
ajebi-4721	151	6	regulation	regulation	NOUN
ajebi-4721	151	7	that	that	PRON
ajebi-4721	151	8	enable	enable	VERB
ajebi-4721	151	9	coherent	coherent	ADJ
ajebi-4721	151	10	cross	cross	ADJ
ajebi-4721	151	11	-	-	ADJ
ajebi-4721	151	12	sector	sector	ADJ
ajebi-4721	151	13	supervision	supervision	NOUN
ajebi-4721	151	14	on	on	ADP
ajebi-4721	151	15	digital	digital	ADJ
ajebi-4721	151	16	financial	financial	ADJ
ajebi-4721	151	17	technology	technology	NOUN
ajebi-4721	151	18	activities	activity	NOUN
ajebi-4721	151	19	is	be	AUX
ajebi-4721	151	20	promoted	promote	VERB
ajebi-4721	151	21	through	through	ADP
ajebi-4721	151	22	government	government	NOUN
ajebi-4721	151	23	policy	policy	NOUN
ajebi-4721	151	24	(	(	PUNCT
ajebi-4721	151	25	mocd	mocd	NOUN
ajebi-4721	151	26	,	,	PUNCT
ajebi-4721	151	27	2024	2024	NUM
ajebi-4721	151	28	)	)	PUNCT
ajebi-4721	151	29	.	.	PUNCT
ajebi-4721	152	1	moreso	moreso	PROPN
ajebi-4721	152	2	,	,	PUNCT
ajebi-4721	152	3	sustained	sustained	ADJ
ajebi-4721	152	4	market	market	NOUN
ajebi-4721	152	5	growth	growth	NOUN
ajebi-4721	152	6	factor	factor	NOUN
ajebi-4721	152	7	correlates	correlate	VERB
ajebi-4721	152	8	with	with	ADP
ajebi-4721	152	9	all	all	DET
ajebi-4721	152	10	the	the	DET
ajebi-4721	152	11	variables	variable	NOUN
ajebi-4721	152	12	.	.	PUNCT
ajebi-4721	153	1	similarly	similarly	ADV
ajebi-4721	153	2	,	,	PUNCT
ajebi-4721	153	3	morshadul	morshadul	VERB
ajebi-4721	153	4	et	et	PROPN
ajebi-4721	153	5	al	al	PROPN
ajebi-4721	153	6	.	.	PROPN
ajebi-4721	153	7	,	,	PUNCT
ajebi-4721	153	8	(	(	PUNCT
ajebi-4721	153	9	2024	2024	NUM
ajebi-4721	153	10	)	)	PUNCT
ajebi-4721	153	11	noted	note	VERB
ajebi-4721	153	12	that	that	SCONJ
ajebi-4721	153	13	financial	financial	ADJ
ajebi-4721	153	14	technology	technology	NOUN
ajebi-4721	153	15	(	(	PUNCT
ajebi-4721	153	16	fintech	fintech	NOUN
ajebi-4721	153	17	)	)	PUNCT
ajebi-4721	153	18	leads	lead	VERB
ajebi-4721	153	19	to	to	ADP
ajebi-4721	153	20	enhanced	enhanced	ADJ
ajebi-4721	153	21	economic	economic	ADJ
ajebi-4721	153	22	growth	growth	NOUN
ajebi-4721	153	23	by	by	ADP
ajebi-4721	153	24	supporting	support	VERB
ajebi-4721	153	25	higher	high	ADJ
ajebi-4721	153	26	productivity	productivity	NOUN
ajebi-4721	153	27	and	and	CCONJ
ajebi-4721	153	28	sustainable	sustainable	ADJ
ajebi-4721	153	29	growth	growth	NOUN
ajebi-4721	153	30	through	through	ADP
ajebi-4721	153	31	technological	technological	ADJ
ajebi-4721	153	32	upgrades	upgrade	NOUN
ajebi-4721	153	33	,	,	PUNCT
ajebi-4721	153	34	diversification	diversification	NOUN
ajebi-4721	153	35	,	,	PUNCT
ajebi-4721	153	36	entrepreneurship	entrepreneurship	NOUN
ajebi-4721	153	37	,	,	PUNCT
ajebi-4721	153	38	innovation	innovation	NOUN
ajebi-4721	153	39	and	and	CCONJ
ajebi-4721	153	40	creativity	creativity	NOUN
ajebi-4721	153	41	.	.	PUNCT
ajebi-4721	154	1	additionally	additionally	ADV
ajebi-4721	154	2	,	,	PUNCT
ajebi-4721	154	3	fintech	fintech	NOUN
ajebi-4721	154	4	fast	fast	ADJ
ajebi-4721	154	5	-	-	PUNCT
ajebi-4721	154	6	track	track	NOUN
ajebi-4721	154	7	investments	investment	NOUN
ajebi-4721	154	8	in	in	ADP
ajebi-4721	154	9	poverty	poverty	NOUN
ajebi-4721	154	10	alleviation	alleviation	NOUN
ajebi-4721	154	11	,	,	PUNCT
ajebi-4721	154	12	and	and	CCONJ
ajebi-4721	154	13	reduce	reduce	VERB
ajebi-4721	154	14	income	income	NOUN
ajebi-4721	154	15	inequality	inequality	NOUN
ajebi-4721	154	16	among	among	ADP
ajebi-4721	154	17	the	the	DET
ajebi-4721	154	18	poor	poor	ADJ
ajebi-4721	154	19	.	.	PUNCT
ajebi-4721	155	1	however	however	ADV
ajebi-4721	155	2	,	,	PUNCT
ajebi-4721	155	3	these	these	DET
ajebi-4721	155	4	attributes	attribute	NOUN
ajebi-4721	155	5	of	of	ADP
ajebi-4721	155	6	financial	financial	ADJ
ajebi-4721	155	7	technology	technology	NOUN
ajebi-4721	155	8	should	should	AUX
ajebi-4721	155	9	align	align	VERB
ajebi-4721	155	10	with	with	ADP
ajebi-4721	155	11	specific	specific	ADJ
ajebi-4721	155	12	sustainable	sustainable	ADJ
ajebi-4721	155	13	development	development	NOUN
ajebi-4721	155	14	goals	goal	NOUN
ajebi-4721	155	15	of	of	ADP
ajebi-4721	155	16	the	the	DET
ajebi-4721	155	17	government	government	NOUN
ajebi-4721	155	18	,	,	PUNCT
ajebi-4721	155	19	a	a	DET
ajebi-4721	155	20	demonstration	demonstration	NOUN
ajebi-4721	155	21	that	that	PRON
ajebi-4721	155	22	government	government	NOUN
ajebi-4721	155	23	policy	policy	NOUN
ajebi-4721	155	24	on	on	ADV
ajebi-4721	155	25	should	should	AUX
ajebi-4721	155	26	support	support	VERB
ajebi-4721	155	27	an	an	DET
ajebi-4721	155	28	appropriate	appropriate	ADJ
ajebi-4721	155	29	new	new	ADJ
ajebi-4721	155	30	technology	technology	NOUN
ajebi-4721	155	31	for	for	ADP
ajebi-4721	155	32	financial	financial	ADJ
ajebi-4721	155	33	services	service	NOUN
ajebi-4721	155	34	development	development	NOUN
ajebi-4721	155	35	,	,	PUNCT
ajebi-4721	155	36	the	the	DET
ajebi-4721	155	37	study	study	NOUN
ajebi-4721	155	38	noted	note	VERB
ajebi-4721	155	39	.	.	PUNCT
ajebi-4721	156	1	the	the	DET
ajebi-4721	156	2	figure	figure	NOUN
ajebi-4721	156	3	2	2	NUM
ajebi-4721	156	4	below	below	ADV
ajebi-4721	156	5	shows	show	VERB
ajebi-4721	156	6	the	the	DET
ajebi-4721	156	7	sustained	sustained	ADJ
ajebi-4721	156	8	market	market	NOUN
ajebi-4721	156	9	growth	growth	NOUN
ajebi-4721	156	10	model	model	NOUN
ajebi-4721	156	11	of	of	ADP
ajebi-4721	156	12	a	a	DET
ajebi-4721	156	13	developing	develop	VERB
ajebi-4721	156	14	economy	economy	NOUN
ajebi-4721	156	15	financial	financial	ADJ
ajebi-4721	156	16	sector	sector	NOUN
ajebi-4721	156	17	based	base	VERB
ajebi-4721	156	18	on	on	ADP
ajebi-4721	156	19	the	the	DET
ajebi-4721	156	20	smartpls	smartpls	PROPN
ajebi-4721	156	21	model	model	NOUN
ajebi-4721	156	22	.	.	PUNCT
ajebi-4721	157	1	figure	figure	NOUN
ajebi-4721	157	2	2	2	NUM
ajebi-4721	157	3	:	:	PUNCT
ajebi-4721	157	4	sustained	sustained	ADJ
ajebi-4721	157	5	market	market	NOUN
ajebi-4721	157	6	growth	growth	NOUN
ajebi-4721	157	7	model	model	NOUN
ajebi-4721	157	8	of	of	ADP
ajebi-4721	157	9	a	a	DET
ajebi-4721	157	10	developing	develop	VERB
ajebi-4721	157	11	economy	economy	NOUN
ajebi-4721	157	12	financial	financial	ADJ
ajebi-4721	157	13	sector	sector	NOUN
ajebi-4721	157	14	source	source	NOUN
ajebi-4721	157	15	:	:	PUNCT
ajebi-4721	157	16	this	this	DET
ajebi-4721	157	17	study	study	NOUN
ajebi-4721	157	18	.	.	PUNCT
ajebi-4721	158	1	the	the	DET
ajebi-4721	158	2	reliability	reliability	NOUN
ajebi-4721	158	3	of	of	ADP
ajebi-4721	158	4	the	the	DET
ajebi-4721	158	5	indicators	indicator	NOUN
ajebi-4721	158	6	was	be	AUX
ajebi-4721	158	7	assessed	assess	VERB
ajebi-4721	158	8	by	by	ADP
ajebi-4721	158	9	the	the	DET
ajebi-4721	158	10	statistical	statistical	ADJ
ajebi-4721	158	11	significance	significance	NOUN
ajebi-4721	158	12	of	of	ADP
ajebi-4721	158	13	the	the	DET
ajebi-4721	158	14	standardized	standardized	ADJ
ajebi-4721	158	15	factorial	factorial	ADJ
ajebi-4721	158	16	loadings	loading	NOUN
ajebi-4721	158	17	.	.	PUNCT
ajebi-4721	159	1	the	the	DET
ajebi-4721	159	2	measurement	measurement	NOUN
ajebi-4721	159	3	of	of	ADP
ajebi-4721	159	4	the	the	DET
ajebi-4721	159	5	model	model	NOUN
ajebi-4721	159	6	was	be	AUX
ajebi-4721	159	7	carried	carry	VERB
ajebi-4721	159	8	out	out	ADP
ajebi-4721	159	9	based	base	VERB
ajebi-4721	159	10	on	on	ADP
ajebi-4721	159	11	a	a	DET
ajebi-4721	159	12	common	common	ADJ
ajebi-4721	159	13	rule	rule	NOUN
ajebi-4721	159	14	.	.	PUNCT
ajebi-4721	160	1	that	that	PRON
ajebi-4721	160	2	is	be	AUX
ajebi-4721	160	3	,	,	PUNCT
ajebi-4721	160	4	outer	outer	ADJ
ajebi-4721	160	5	loadings	loading	NOUN
ajebi-4721	160	6	in	in	ADP
ajebi-4721	160	7	the	the	DET
ajebi-4721	160	8	range	range	NOUN
ajebi-4721	160	9	of	of	ADP
ajebi-4721	160	10	0.40	0.40	NUM
ajebi-4721	160	11	to	to	ADP
ajebi-4721	160	12	0.60	0.60	NUM
ajebi-4721	160	13	should	should	AUX
ajebi-4721	160	14	be	be	AUX
ajebi-4721	160	15	excluded	exclude	VERB
ajebi-4721	160	16	,	,	PUNCT
ajebi-4721	160	17	and	and	CCONJ
ajebi-4721	160	18	the	the	DET
ajebi-4721	160	19	evaluation	evaluation	NOUN
ajebi-4721	160	20	should	should	AUX
ajebi-4721	160	21	be	be	AUX
ajebi-4721	160	22	higher	high	ADJ
ajebi-4721	160	23	than	than	ADP
ajebi-4721	160	24	0.70	0.70	NUM
ajebi-4721	160	25	,	,	PUNCT
ajebi-4721	160	26	indicating	indicate	VERB
ajebi-4721	160	27	a	a	DET
ajebi-4721	160	28	compounded	compound	VERB
ajebi-4721	160	29	reliability	reliability	NOUN
ajebi-4721	160	30	increase	increase	NOUN
ajebi-4721	160	31	(	(	PUNCT
ajebi-4721	160	32	terrador	terrador	NOUN
ajebi-4721	160	33	-	-	PUNCT
ajebi-4721	160	34	alcaide	alcaide	NOUN
ajebi-4721	160	35	et	et	PROPN
ajebi-4721	160	36	al	al	PROPN
ajebi-4721	160	37	.	.	PROPN
ajebi-4721	160	38	2020	2020	NUM
ajebi-4721	160	39	)	)	PUNCT
ajebi-4721	160	40	.	.	PUNCT
ajebi-4721	161	1	further	far	ADV
ajebi-4721	161	2	,	,	PUNCT
ajebi-4721	161	3	a	a	DET
ajebi-4721	161	4	measure	measure	NOUN
ajebi-4721	161	5	of	of	ADP
ajebi-4721	161	6	the	the	DET
ajebi-4721	161	7	internal	internal	ADJ
ajebi-4721	161	8	reliability	reliability	NOUN
ajebi-4721	161	9	of	of	ADP
ajebi-4721	161	10	the	the	DET
ajebi-4721	161	11	developed	develop	VERB
ajebi-4721	161	12	model	model	NOUN
ajebi-4721	161	13	was	be	AUX
ajebi-4721	161	14	also	also	ADV
ajebi-4721	161	15	carried	carry	VERB
ajebi-4721	161	16	out	out	ADP
ajebi-4721	161	17	to	to	PART
ajebi-4721	161	18	determine	determine	VERB
ajebi-4721	161	19	whether	whether	SCONJ
ajebi-4721	161	20	compound	compound	NOUN
ajebi-4721	161	21	reliability	reliability	NOUN
ajebi-4721	161	22	is	be	AUX
ajebi-4721	161	23	the	the	DET
ajebi-4721	161	24	alternative	alternative	NOUN
ajebi-4721	161	25	to	to	PART
ajebi-4721	161	26	cronbach	cronbach	VERB
ajebi-4721	161	27	’s	’s	PART
ajebi-4721	161	28	alpha	alpha	NOUN
ajebi-4721	161	29	,	,	PUNCT
ajebi-4721	161	30	and	and	CCONJ
ajebi-4721	161	31	as	as	ADP
ajebi-4721	161	32	a	a	DET
ajebi-4721	161	33	common	common	ADJ
ajebi-4721	161	34	rule	rule	NOUN
ajebi-4721	161	35	,	,	PUNCT
ajebi-4721	161	36	the	the	DET
ajebi-4721	161	37	score	score	NOUN
ajebi-4721	161	38	obtained	obtain	VERB
ajebi-4721	161	39	should	should	AUX
ajebi-4721	161	40	be	be	AUX
ajebi-4721	161	41	expected	expect	VERB
ajebi-4721	161	42	to	to	PART
ajebi-4721	161	43	be	be	AUX
ajebi-4721	161	44	higher	high	ADJ
ajebi-4721	161	45	than	than	ADP
ajebi-4721	161	46	0.70	0.70	NUM
ajebi-4721	161	47	.	.	PUNCT
ajebi-4721	162	1	figure	figure	NOUN
ajebi-4721	162	2	2	2	NUM
ajebi-4721	162	3	shows	show	VERB
ajebi-4721	162	4	that	that	SCONJ
ajebi-4721	162	5	the	the	DET
ajebi-4721	162	6	results	result	NOUN
ajebi-4721	162	7	of	of	ADP
ajebi-4721	162	8	the	the	DET
ajebi-4721	162	9	constructs	construct	NOUN
ajebi-4721	162	10	of	of	ADP
ajebi-4721	162	11	the	the	DET
ajebi-4721	162	12	developing	develop	VERB
ajebi-4721	162	13	economies	economy	NOUN
ajebi-4721	162	14	(	(	PUNCT
ajebi-4721	162	15	de	de	ADJ
ajebi-4721	162	16	)	)	PUNCT
ajebi-4721	162	17	,	,	PUNCT
ajebi-4721	162	18	government	government	NOUN
ajebi-4721	162	19	policy	policy	NOUN
ajebi-4721	162	20	(	(	PUNCT
ajebi-4721	162	21	dp	dp	NOUN
ajebi-4721	162	22	)	)	PUNCT
ajebi-4721	162	23	,	,	PUNCT
ajebi-4721	162	24	digital	digital	ADJ
ajebi-4721	162	25	technology	technology	NOUN
ajebi-4721	162	26	(	(	PUNCT
ajebi-4721	162	27	dt	dt	PROPN
ajebi-4721	162	28	)	)	PUNCT
ajebi-4721	162	29	,	,	PUNCT
ajebi-4721	162	30	financial	financial	ADJ
ajebi-4721	162	31	system	system	NOUN
ajebi-4721	162	32	(	(	PUNCT
ajebi-4721	162	33	fs	fs	NOUN
ajebi-4721	162	34	)	)	PUNCT
ajebi-4721	162	35	,	,	PUNCT
ajebi-4721	162	36	and	and	CCONJ
ajebi-4721	162	37	ability	ability	NOUN
ajebi-4721	162	38	to	to	PART
ajebi-4721	162	39	leverage	leverage	VERB
ajebi-4721	162	40	or	or	CCONJ
ajebi-4721	162	41	maximize	maximize	VERB
ajebi-4721	162	42	digital	digital	ADJ
ajebi-4721	162	43	technology	technology	NOUN
ajebi-4721	162	44	(	(	PUNCT
ajebi-4721	162	45	mdt	mdt	PROPN
ajebi-4721	162	46	)	)	PUNCT
ajebi-4721	162	47	exceed	exceed	VERB
ajebi-4721	162	48	the	the	DET
ajebi-4721	162	49	minimum	minimum	ADJ
ajebi-4721	162	50	requirements	requirement	NOUN
ajebi-4721	162	51	to	to	PART
ajebi-4721	162	52	be	be	AUX
ajebi-4721	162	53	considered	consider	VERB
ajebi-4721	162	54	as	as	ADP
ajebi-4721	162	55	factors	factor	NOUN
ajebi-4721	162	56	that	that	PRON
ajebi-4721	162	57	influence	influence	VERB
ajebi-4721	162	58	the	the	DET
ajebi-4721	162	59	financial	financial	ADJ
ajebi-4721	162	60	sector	sector	NOUN
ajebi-4721	162	61	of	of	ADP
ajebi-4721	162	62	the	the	DET
ajebi-4721	162	63	developing	develop	VERB
ajebi-4721	162	64	economies	economy	NOUN
ajebi-4721	162	65	in	in	ADP
ajebi-4721	162	66	achieving	achieve	VERB
ajebi-4721	162	67	sustained	sustain	VERB
ajebi-4721	162	68	financial	financial	ADJ
ajebi-4721	162	69	sector	sector	NOUN
ajebi-4721	162	70	growth	growth	NOUN
ajebi-4721	162	71	and	and	CCONJ
ajebi-4721	162	72	development	development	NOUN
ajebi-4721	162	73	.	.	PUNCT
ajebi-4721	163	1	statistical	statistical	ADJ
ajebi-4721	163	2	analysis	analysis	NOUN
ajebi-4721	163	3	and	and	CCONJ
ajebi-4721	163	4	measurement	measurement	NOUN
ajebi-4721	163	5	of	of	ADP
ajebi-4721	163	6	the	the	DET
ajebi-4721	163	7	quantitative	quantitative	ADJ
ajebi-4721	163	8	factors	factor	NOUN
ajebi-4721	163	9	the	the	DET
ajebi-4721	163	10	financial	financial	ADJ
ajebi-4721	163	11	sector	sector	NOUN
ajebi-4721	163	12	of	of	ADP
ajebi-4721	163	13	developing	develop	VERB
ajebi-4721	163	14	economies	economy	NOUN
ajebi-4721	163	15	plays	play	VERB
ajebi-4721	163	16	a	a	DET
ajebi-4721	163	17	crucial	crucial	ADJ
ajebi-4721	163	18	role	role	NOUN
ajebi-4721	163	19	in	in	ADP
ajebi-4721	163	20	determining	determine	VERB
ajebi-4721	163	21	overall	overall	ADJ
ajebi-4721	163	22	economic	economic	ADJ
ajebi-4721	163	23	growth	growth	NOUN
ajebi-4721	163	24	and	and	CCONJ
ajebi-4721	163	25	development	development	NOUN
ajebi-4721	163	26	;	;	PUNCT
ajebi-4721	163	27	therefore	therefore	ADV
ajebi-4721	163	28	,	,	PUNCT
ajebi-4721	163	29	measuring	measure	VERB
ajebi-4721	163	30	the	the	DET
ajebi-4721	163	31	quantitative	quantitative	ADJ
ajebi-4721	163	32	factors	factor	NOUN
ajebi-4721	163	33	that	that	PRON
ajebi-4721	163	34	impact	impact	VERB
ajebi-4721	163	35	the	the	DET
ajebi-4721	163	36	financial	financial	ADJ
ajebi-4721	163	37	sector	sector	NOUN
ajebi-4721	163	38	of	of	ADP
ajebi-4721	163	39	developing	develop	VERB
ajebi-4721	163	40	economies	economy	NOUN
ajebi-4721	163	41	is	be	AUX
ajebi-4721	163	42	very	very	ADV
ajebi-4721	163	43	important	important	ADJ
ajebi-4721	163	44	.	.	PUNCT
ajebi-4721	164	1	under	under	ADP
ajebi-4721	164	2	the	the	DET
ajebi-4721	164	3	financial	financial	ADJ
ajebi-4721	164	4	sector	sector	NOUN
ajebi-4721	164	5	assessment	assessment	NOUN
ajebi-4721	164	6	program	program	NOUN
ajebi-4721	164	7	of	of	ADP
ajebi-4721	164	8	the	the	DET
ajebi-4721	164	9	imf	imf	PROPN
ajebi-4721	164	10	(	(	PUNCT
ajebi-4721	164	11	2021	2021	NUM
ajebi-4721	164	12	)	)	PUNCT
ajebi-4721	164	13	,	,	PUNCT
ajebi-4721	164	14	quantitative	quantitative	ADJ
ajebi-4721	164	15	methodologies	methodology	NOUN
ajebi-4721	164	16	were	be	AUX
ajebi-4721	164	17	used	use	VERB
ajebi-4721	164	18	to	to	PART
ajebi-4721	164	19	assess	assess	VERB
ajebi-4721	164	20	the	the	DET
ajebi-4721	164	21	financial	financial	ADJ
ajebi-4721	164	22	sector	sector	NOUN
ajebi-4721	164	23	of	of	ADP
ajebi-4721	164	24	those	those	DET
ajebi-4721	164	25	economies	economy	NOUN
ajebi-4721	164	26	.	.	PUNCT
ajebi-4721	165	1	the	the	DET
ajebi-4721	165	2	factors	factor	NOUN
ajebi-4721	165	3	used	use	VERB
ajebi-4721	165	4	by	by	ADP
ajebi-4721	165	5	imf	imf	PROPN
ajebi-4721	165	6	2021	2021	NUM
ajebi-4721	165	7	in	in	ADP
ajebi-4721	165	8	their	their	PRON
ajebi-4721	165	9	study	study	NOUN
ajebi-4721	165	10	included	include	VERB
ajebi-4721	165	11	the	the	DET
ajebi-4721	165	12	interaction	interaction	NOUN
ajebi-4721	165	13	among	among	ADP
ajebi-4721	165	14	solvency	solvency	NOUN
ajebi-4721	165	15	,	,	PUNCT
ajebi-4721	165	16	liquidity	liquidity	NOUN
ajebi-4721	165	17	,	,	PUNCT
ajebi-4721	165	18	and	and	CCONJ
ajebi-4721	165	19	contagion	contagion	NOUN
ajebi-4721	165	20	risks	risk	NOUN
ajebi-4721	165	21	in	in	ADP
ajebi-4721	165	22	the	the	DET
ajebi-4721	165	23	banking	banking	NOUN
ajebi-4721	165	24	sector	sector	NOUN
ajebi-4721	165	25	;	;	PUNCT
ajebi-4721	165	26	the	the	DET
ajebi-4721	165	27	health	health	NOUN
ajebi-4721	165	28	of	of	ADP
ajebi-4721	165	29	nonbank	nonbank	PROPN
ajebi-4721	165	30	financial	financial	ADJ
ajebi-4721	165	31	institutions	institution	NOUN
ajebi-4721	165	32	;	;	PUNCT
ajebi-4721	165	33	the	the	DET
ajebi-4721	165	34	interactions	interaction	NOUN
ajebi-4721	165	35	with	with	ADP
ajebi-4721	165	36	financial	financial	ADJ
ajebi-4721	165	37	institutions	institution	NOUN
ajebi-4721	165	38	and	and	CCONJ
ajebi-4721	165	39	their	their	PRON
ajebi-4721	165	40	impact	impact	NOUN
ajebi-4721	165	41	on	on	ADP
ajebi-4721	165	42	financial	financial	ADJ
ajebi-4721	165	43	markets	market	NOUN
ajebi-4721	165	44	;	;	PUNCT
ajebi-4721	165	45	macroprudential	macroprudential	ADJ
ajebi-4721	165	46	policy	policy	NOUN
ajebi-4721	165	47	analysis	analysis	NOUN
ajebi-4721	165	48	;	;	PUNCT
ajebi-4721	165	49	the	the	DET
ajebi-4721	165	50	impact	impact	NOUN
ajebi-4721	165	51	on	on	ADP
ajebi-4721	165	52	pa	pa	PROPN
ajebi-4721	165	53	ge	ge	PROPN
ajebi-4721	165	54	10	10	NUM
ajebi-4721	165	55	3	3	NUM
ajebi-4721	165	56	https://journals.e-palli.com/home/index.php/ajebi	https://journals.e-palli.com/home/index.php/ajebi	NUM
ajebi-4721	165	57	am	am	NOUN
ajebi-4721	165	58	.	.	PUNCT
ajebi-4721	166	1	j.	j.	PROPN
ajebi-4721	166	2	econ	econ	PROPN
ajebi-4721	166	3	.	.	PUNCT
ajebi-4721	166	4	bus	bus	PROPN
ajebi-4721	166	5	.	.	PUNCT
ajebi-4721	167	1	innov	innov	PROPN
ajebi-4721	167	2	.	.	PUNCT
ajebi-4721	168	1	4(3	4(3	NUM
ajebi-4721	168	2	)	)	PUNCT
ajebi-4721	168	3	97	97	NUM
ajebi-4721	168	4	-	-	SYM
ajebi-4721	168	5	106	106	NUM
ajebi-4721	168	6	,	,	PUNCT
ajebi-4721	168	7	2025	2025	NUM
ajebi-4721	168	8	climate	climate	NOUN
ajebi-4721	168	9	change	change	NOUN
ajebi-4721	168	10	,	,	PUNCT
ajebi-4721	168	11	fintech	fintech	NOUN
ajebi-4721	168	12	,	,	PUNCT
ajebi-4721	168	13	and	and	CCONJ
ajebi-4721	168	14	cyber	cyber	VERB
ajebi-4721	168	15	through	through	ADP
ajebi-4721	168	16	a	a	DET
ajebi-4721	168	17	survey	survey	NOUN
ajebi-4721	168	18	and	and	CCONJ
ajebi-4721	168	19	secondary	secondary	ADJ
ajebi-4721	168	20	financial	financial	ADJ
ajebi-4721	168	21	data	datum	NOUN
ajebi-4721	168	22	.	.	PUNCT
ajebi-4721	169	1	also	also	ADV
ajebi-4721	169	2	,	,	PUNCT
ajebi-4721	169	3	antwi	antwi	ADV
ajebi-4721	169	4	-	-	PUNCT
ajebi-4721	169	5	asare	asare	PROPN
ajebi-4721	169	6	et	et	PROPN
ajebi-4721	169	7	al	al	PROPN
ajebi-4721	169	8	.	.	PROPN
ajebi-4721	170	1	(	(	PUNCT
ajebi-4721	170	2	2020	2020	NUM
ajebi-4721	170	3	)	)	PUNCT
ajebi-4721	170	4	used	use	VERB
ajebi-4721	170	5	surveys	survey	NOUN
ajebi-4721	170	6	and	and	CCONJ
ajebi-4721	170	7	secondary	secondary	ADJ
ajebi-4721	170	8	financial	financial	ADJ
ajebi-4721	170	9	data	datum	NOUN
ajebi-4721	170	10	to	to	PART
ajebi-4721	170	11	perform	perform	VERB
ajebi-4721	170	12	a	a	DET
ajebi-4721	170	13	quantitative	quantitative	ADJ
ajebi-4721	170	14	analysis	analysis	NOUN
ajebi-4721	170	15	of	of	ADP
ajebi-4721	170	16	the	the	DET
ajebi-4721	170	17	financial	financial	ADJ
ajebi-4721	170	18	sector	sector	NOUN
ajebi-4721	170	19	of	of	ADP
ajebi-4721	170	20	ghana	ghana	PROPN
ajebi-4721	170	21	.	.	PUNCT
ajebi-4721	171	1	in	in	ADP
ajebi-4721	171	2	this	this	DET
ajebi-4721	171	3	regard	regard	NOUN
ajebi-4721	171	4	,	,	PUNCT
ajebi-4721	171	5	this	this	DET
ajebi-4721	171	6	qualitative	qualitative	ADJ
ajebi-4721	171	7	analysis	analysis	NOUN
ajebi-4721	171	8	of	of	ADP
ajebi-4721	171	9	the	the	DET
ajebi-4721	171	10	financial	financial	ADJ
ajebi-4721	171	11	sector	sector	NOUN
ajebi-4721	171	12	of	of	ADP
ajebi-4721	171	13	the	the	DET
ajebi-4721	171	14	developing	develop	VERB
ajebi-4721	171	15	economies	economy	NOUN
ajebi-4721	171	16	is	be	AUX
ajebi-4721	171	17	based	base	VERB
ajebi-4721	171	18	on	on	ADP
ajebi-4721	171	19	a	a	DET
ajebi-4721	171	20	survey	survey	NOUN
ajebi-4721	171	21	and	and	CCONJ
ajebi-4721	171	22	analysis	analysis	NOUN
ajebi-4721	171	23	of	of	ADP
ajebi-4721	171	24	secondary	secondary	ADJ
ajebi-4721	171	25	financial	financial	ADJ
ajebi-4721	171	26	data	datum	NOUN
ajebi-4721	171	27	.	.	PUNCT
ajebi-4721	172	1	the	the	DET
ajebi-4721	172	2	demographic	demographic	ADJ
ajebi-4721	172	3	profile	profile	NOUN
ajebi-4721	172	4	of	of	ADP
ajebi-4721	172	5	the	the	DET
ajebi-4721	172	6	financial	financial	ADJ
ajebi-4721	172	7	institutions	institution	NOUN
ajebi-4721	172	8	that	that	PRON
ajebi-4721	172	9	dominate	dominate	VERB
ajebi-4721	172	10	the	the	DET
ajebi-4721	172	11	ghanaian	ghanaian	ADJ
ajebi-4721	172	12	financial	financial	ADJ
ajebi-4721	172	13	sector	sector	NOUN
ajebi-4721	172	14	is	be	AUX
ajebi-4721	172	15	shown	show	VERB
ajebi-4721	172	16	below	below	ADV
ajebi-4721	172	17	.	.	PUNCT
ajebi-4721	173	1	however	however	ADV
ajebi-4721	173	2	,	,	PUNCT
ajebi-4721	173	3	this	this	DET
ajebi-4721	173	4	study	study	NOUN
ajebi-4721	173	5	is	be	AUX
ajebi-4721	173	6	focused	focus	VERB
ajebi-4721	173	7	on	on	ADP
ajebi-4721	173	8	the	the	DET
ajebi-4721	173	9	ghana	ghana	PROPN
ajebi-4721	173	10	commercial	commercial	PROPN
ajebi-4721	173	11	bank	bank	PROPN
ajebi-4721	173	12	(	(	PUNCT
ajebi-4721	173	13	gcb	gcb	PROPN
ajebi-4721	173	14	)	)	PUNCT
ajebi-4721	173	15	,	,	PUNCT
ajebi-4721	173	16	agriculture	agriculture	PROPN
ajebi-4721	173	17	development	development	PROPN
ajebi-4721	173	18	bank	bank	PROPN
ajebi-4721	173	19	(	(	PUNCT
ajebi-4721	173	20	adb	adb	PROPN
ajebi-4721	173	21	)	)	PUNCT
ajebi-4721	173	22	,	,	PUNCT
ajebi-4721	173	23	national	national	PROPN
ajebi-4721	173	24	investment	investment	PROPN
ajebi-4721	173	25	bank	bank	PROPN
ajebi-4721	173	26	(	(	PUNCT
ajebi-4721	173	27	nib	nib	PROPN
ajebi-4721	173	28	)	)	PUNCT
ajebi-4721	173	29	,	,	PUNCT
ajebi-4721	173	30	absa	absa	PROPN
ajebi-4721	173	31	bank	bank	PROPN
ajebi-4721	173	32	(	(	PUNCT
ajebi-4721	173	33	absa	absa	PROPN
ajebi-4721	173	34	)	)	PUNCT
ajebi-4721	173	35	,	,	PUNCT
ajebi-4721	173	36	and	and	CCONJ
ajebi-4721	173	37	fidelity	fidelity	PROPN
ajebi-4721	173	38	bank	bank	PROPN
ajebi-4721	173	39	limited	limit	VERB
ajebi-4721	173	40	(	(	PUNCT
ajebi-4721	173	41	fbl	fbl	NOUN
ajebi-4721	173	42	)	)	PUNCT
ajebi-4721	173	43	.	.	PUNCT
ajebi-4721	174	1	the	the	DET
ajebi-4721	174	2	demographic	demographic	ADJ
ajebi-4721	174	3	profile	profile	NOUN
ajebi-4721	174	4	below	below	ADV
ajebi-4721	174	5	also	also	ADV
ajebi-4721	174	6	shows	show	VERB
ajebi-4721	174	7	the	the	DET
ajebi-4721	174	8	proportional	proportional	ADJ
ajebi-4721	174	9	percentage	percentage	NOUN
ajebi-4721	174	10	of	of	ADP
ajebi-4721	174	11	total	total	ADJ
ajebi-4721	174	12	assets	asset	NOUN
ajebi-4721	174	13	held	hold	VERB
ajebi-4721	174	14	by	by	ADP
ajebi-4721	174	15	these	these	DET
ajebi-4721	174	16	institutions	institution	NOUN
ajebi-4721	174	17	in	in	ADP
ajebi-4721	174	18	the	the	DET
ajebi-4721	174	19	ghanaian	ghanaian	ADJ
ajebi-4721	174	20	financial	financial	ADJ
ajebi-4721	174	21	sector	sector	NOUN
ajebi-4721	174	22	,	,	PUNCT
ajebi-4721	174	23	based	base	VERB
ajebi-4721	174	24	on	on	ADP
ajebi-4721	174	25	categories	category	NOUN
ajebi-4721	174	26	q1	q1	PROPN
ajebi-4721	174	27	:	:	PUNCT
ajebi-4721	174	28	hold	hold	VERB
ajebi-4721	174	29	50.7	50.7	NUM
ajebi-4721	174	30	%	%	NOUN
ajebi-4721	174	31	of	of	ADP
ajebi-4721	174	32	total	total	ADJ
ajebi-4721	174	33	assets	asset	NOUN
ajebi-4721	174	34	,	,	PUNCT
ajebi-4721	174	35	q2	q2	NOUN
ajebi-4721	174	36	:	:	PUNCT
ajebi-4721	174	37	hold	hold	VERB
ajebi-4721	174	38	22.3	22.3	NUM
ajebi-4721	174	39	%	%	NOUN
ajebi-4721	174	40	of	of	ADP
ajebi-4721	174	41	total	total	ADJ
ajebi-4721	174	42	assets	asset	NOUN
ajebi-4721	174	43	,	,	PUNCT
ajebi-4721	174	44	q3	q3	PROPN
ajebi-4721	174	45	:	:	PUNCT
ajebi-4721	174	46	hold	hold	VERB
ajebi-4721	174	47	17.6	17.6	NUM
ajebi-4721	174	48	%	%	NOUN
ajebi-4721	174	49	of	of	ADP
ajebi-4721	174	50	total	total	ADJ
ajebi-4721	174	51	assets	asset	NOUN
ajebi-4721	174	52	,	,	PUNCT
ajebi-4721	174	53	and	and	CCONJ
ajebi-4721	174	54	q4	q4	PROPN
ajebi-4721	174	55	:	:	PUNCT
ajebi-4721	174	56	hold	hold	VERB
ajebi-4721	174	57	9.4	9.4	NUM
ajebi-4721	174	58	%	%	NOUN
ajebi-4721	174	59	of	of	ADP
ajebi-4721	174	60	total	total	ADJ
ajebi-4721	174	61	assets	asset	NOUN
ajebi-4721	174	62	.	.	PUNCT
ajebi-4721	175	1	figure	figure	VERB
ajebi-4721	175	2	3	3	NUM
ajebi-4721	175	3	:	:	PUNCT
ajebi-4721	175	4	total	total	ADJ
ajebi-4721	175	5	assets	asset	NOUN
ajebi-4721	175	6	of	of	ADP
ajebi-4721	175	7	selected	select	VERB
ajebi-4721	175	8	financial	financial	ADJ
ajebi-4721	175	9	institutions	institution	NOUN
ajebi-4721	175	10	in	in	ADP
ajebi-4721	175	11	ghana	ghana	PROPN
ajebi-4721	175	12	source	source	PROPN
ajebi-4721	175	13	:	:	PUNCT
ajebi-4721	175	14	pwc	pwc	PROPN
ajebi-4721	175	15	ghana	ghana	PROPN
ajebi-4721	175	16	banking	banking	PROPN
ajebi-4721	175	17	survey	survey	NOUN
ajebi-4721	175	18	(	(	PUNCT
ajebi-4721	175	19	2022	2022	NUM
ajebi-4721	175	20	)	)	PUNCT
ajebi-4721	175	21	figure	figure	NOUN
ajebi-4721	175	22	4	4	NUM
ajebi-4721	175	23	:	:	PUNCT
ajebi-4721	175	24	pie	pie	NOUN
ajebi-4721	175	25	of	of	ADP
ajebi-4721	175	26	the	the	DET
ajebi-4721	175	27	percentage	percentage	NOUN
ajebi-4721	175	28	of	of	ADP
ajebi-4721	175	29	total	total	ADJ
ajebi-4721	175	30	assets	asset	NOUN
ajebi-4721	175	31	of	of	ADP
ajebi-4721	175	32	five	five	NUM
ajebi-4721	175	33	major	major	ADJ
ajebi-4721	175	34	financial	financial	ADJ
ajebi-4721	175	35	institutions	institution	NOUN
ajebi-4721	175	36	in	in	ADP
ajebi-4721	175	37	ghana	ghana	PROPN
ajebi-4721	175	38	source	source	NOUN
ajebi-4721	175	39	:	:	PUNCT
ajebi-4721	175	40	this	this	PRON
ajebi-4721	175	41	study	study	VERB
ajebi-4721	175	42	the	the	DET
ajebi-4721	175	43	analysis	analysis	NOUN
ajebi-4721	175	44	of	of	ADP
ajebi-4721	175	45	the	the	DET
ajebi-4721	175	46	result	result	NOUN
ajebi-4721	175	47	above	above	ADV
ajebi-4721	175	48	shows	show	VERB
ajebi-4721	175	49	that	that	SCONJ
ajebi-4721	175	50	five	five	NUM
ajebi-4721	175	51	major	major	ADJ
ajebi-4721	175	52	financial	financial	ADJ
ajebi-4721	175	53	institutions	institution	NOUN
ajebi-4721	175	54	dominate	dominate	VERB
ajebi-4721	175	55	the	the	DET
ajebi-4721	175	56	financial	financial	ADJ
ajebi-4721	175	57	sector	sector	NOUN
ajebi-4721	175	58	of	of	ADP
ajebi-4721	175	59	ghana	ghana	PROPN
ajebi-4721	175	60	’s	’s	PART
ajebi-4721	175	61	developing	develop	VERB
ajebi-4721	175	62	economies	economy	NOUN
ajebi-4721	175	63	are	be	AUX
ajebi-4721	175	64	in	in	ADP
ajebi-4721	175	65	the	the	DET
ajebi-4721	175	66	category	category	NOUN
ajebi-4721	175	67	of	of	ADP
ajebi-4721	175	68	q1	q1	PROPN
ajebi-4721	175	69	,	,	PUNCT
ajebi-4721	175	70	with	with	ADP
ajebi-4721	175	71	a	a	DET
ajebi-4721	175	72	total	total	ADJ
ajebi-4721	175	73	holding	holding	NOUN
ajebi-4721	175	74	of	of	ADP
ajebi-4721	175	75	more	more	ADJ
ajebi-4721	175	76	than	than	ADP
ajebi-4721	175	77	half	half	NOUN
ajebi-4721	175	78	of	of	ADP
ajebi-4721	175	79	the	the	DET
ajebi-4721	175	80	entire	entire	ADJ
ajebi-4721	175	81	market	market	NOUN
ajebi-4721	175	82	(	(	PUNCT
ajebi-4721	175	83	summation	summation	NOUN
ajebi-4721	175	84	of	of	ADP
ajebi-4721	175	85	q2	q2	NOUN
ajebi-4721	175	86	to	to	ADP
ajebi-4721	175	87	q4	q4	PROPN
ajebi-4721	175	88	)	)	PUNCT
ajebi-4721	175	89	,	,	PUNCT
ajebi-4721	175	90	that	that	PRON
ajebi-4721	175	91	is	be	AUX
ajebi-4721	175	92	50.7	50.7	NUM
ajebi-4721	175	93	%	%	NOUN
ajebi-4721	175	94	,	,	PUNCT
ajebi-4721	175	95	and	and	CCONJ
ajebi-4721	175	96	three	three	NUM
ajebi-4721	175	97	of	of	ADP
ajebi-4721	175	98	the	the	DET
ajebi-4721	175	99	financial	financial	ADJ
ajebi-4721	175	100	institutions	institution	NOUN
ajebi-4721	175	101	under	under	ADP
ajebi-4721	175	102	this	this	DET
ajebi-4721	175	103	study	study	NOUN
ajebi-4721	175	104	form	form	NOUN
ajebi-4721	175	105	’s	’s	PART
ajebi-4721	175	106	part	part	NOUN
ajebi-4721	175	107	.	.	PUNCT
ajebi-4721	176	1	gcb	gcb	PROPN
ajebi-4721	176	2	had	have	VERB
ajebi-4721	176	3	the	the	DET
ajebi-4721	176	4	highest	high	ADJ
ajebi-4721	176	5	total	total	ADJ
ajebi-4721	176	6	asset	asset	NOUN
ajebi-4721	176	7	holding	holding	NOUN
ajebi-4721	176	8	of	of	ADP
ajebi-4721	176	9	25.9	25.9	NUM
ajebi-4721	176	10	%	%	NOUN
ajebi-4721	176	11	,	,	PUNCT
ajebi-4721	176	12	followed	follow	VERB
ajebi-4721	176	13	by	by	ADP
ajebi-4721	176	14	absa	absa	PROPN
ajebi-4721	176	15	with	with	ADP
ajebi-4721	176	16	a	a	DET
ajebi-4721	176	17	holding	holding	NOUN
ajebi-4721	176	18	of	of	ADP
ajebi-4721	176	19	17.1	17.1	NUM
ajebi-4721	176	20	%	%	NOUN
ajebi-4721	176	21	and	and	CCONJ
ajebi-4721	176	22	fbl	fbl	NOUN
ajebi-4721	176	23	with	with	ADP
ajebi-4721	176	24	13.8	13.8	NUM
ajebi-4721	176	25	%	%	NOUN
ajebi-4721	176	26	total	total	ADJ
ajebi-4721	176	27	asset	asset	NOUN
ajebi-4721	176	28	holdings	holding	NOUN
ajebi-4721	176	29	.	.	PUNCT
ajebi-4721	177	1	adb	adb	PROPN
ajebi-4721	177	2	had	have	VERB
ajebi-4721	177	3	a	a	DET
ajebi-4721	177	4	total	total	ADJ
ajebi-4721	177	5	asset	asset	NOUN
ajebi-4721	177	6	holding	holding	NOUN
ajebi-4721	177	7	of	of	ADP
ajebi-4721	177	8	7.7	7.7	NUM
ajebi-4721	177	9	%	%	NOUN
ajebi-4721	177	10	in	in	ADP
ajebi-4721	177	11	category	category	NOUN
ajebi-4721	177	12	q2	q2	NOUN
ajebi-4721	177	13	,	,	PUNCT
ajebi-4721	177	14	while	while	SCONJ
ajebi-4721	177	15	nib	nib	NOUN
ajebi-4721	177	16	had	have	VERB
ajebi-4721	177	17	3	3	NUM
ajebi-4721	177	18	%	%	NOUN
ajebi-4721	177	19	in	in	ADP
ajebi-4721	177	20	the	the	DET
ajebi-4721	177	21	q4	q4	PROPN
ajebi-4721	177	22	category	category	NOUN
ajebi-4721	177	23	.	.	PUNCT
ajebi-4721	178	1	from	from	ADP
ajebi-4721	178	2	figure	figure	NOUN
ajebi-4721	178	3	2	2	NUM
ajebi-4721	178	4	above	above	ADV
ajebi-4721	178	5	,	,	PUNCT
ajebi-4721	178	6	this	this	DET
ajebi-4721	178	7	study	study	NOUN
ajebi-4721	178	8	observed	observe	VERB
ajebi-4721	178	9	that	that	SCONJ
ajebi-4721	178	10	the	the	DET
ajebi-4721	178	11	financial	financial	ADJ
ajebi-4721	178	12	sector	sector	NOUN
ajebi-4721	178	13	of	of	ADP
ajebi-4721	178	14	developing	develop	VERB
ajebi-4721	178	15	economies	economy	NOUN
ajebi-4721	178	16	is	be	AUX
ajebi-4721	178	17	dominated	dominate	VERB
ajebi-4721	178	18	by	by	ADP
ajebi-4721	178	19	many	many	ADJ
ajebi-4721	178	20	financial	financial	ADJ
ajebi-4721	178	21	institutions	institution	NOUN
ajebi-4721	178	22	with	with	ADP
ajebi-4721	178	23	a	a	DET
ajebi-4721	178	24	smaller	small	ADJ
ajebi-4721	178	25	percentage	percentage	NOUN
ajebi-4721	178	26	of	of	ADP
ajebi-4721	178	27	total	total	ADJ
ajebi-4721	178	28	asset	asset	NOUN
ajebi-4721	178	29	holdings	holding	NOUN
ajebi-4721	178	30	.	.	PUNCT
ajebi-4721	179	1	in	in	ADP
ajebi-4721	179	2	addition	addition	NOUN
ajebi-4721	179	3	,	,	PUNCT
ajebi-4721	179	4	the	the	DET
ajebi-4721	179	5	pie	pie	NOUN
ajebi-4721	179	6	chart	chart	NOUN
ajebi-4721	179	7	results	result	VERB
ajebi-4721	179	8	below	below	ADP
ajebi-4721	179	9	show	show	VERB
ajebi-4721	179	10	that	that	SCONJ
ajebi-4721	179	11	the	the	DET
ajebi-4721	179	12	percentage	percentage	NOUN
ajebi-4721	179	13	of	of	ADP
ajebi-4721	179	14	total	total	ADJ
ajebi-4721	179	15	assets	asset	NOUN
ajebi-4721	179	16	of	of	ADP
ajebi-4721	179	17	gcb	gcb	PROPN
ajebi-4721	179	18	and	and	CCONJ
ajebi-4721	179	19	adb	adb	NOUN
ajebi-4721	179	20	makes	make	VERB
ajebi-4721	179	21	them	they	PRON
ajebi-4721	179	22	category	category	NOUN
ajebi-4721	179	23	c1	c1	PROPN
ajebi-4721	179	24	financial	financial	ADJ
ajebi-4721	179	25	institutions	institution	NOUN
ajebi-4721	179	26	in	in	ADP
ajebi-4721	179	27	ghana	ghana	PROPN
ajebi-4721	179	28	,	,	PUNCT
ajebi-4721	179	29	with	with	ADP
ajebi-4721	179	30	a	a	DET
ajebi-4721	179	31	representation	representation	NOUN
ajebi-4721	179	32	of	of	ADP
ajebi-4721	179	33	52	52	NUM
ajebi-4721	179	34	%	%	NOUN
ajebi-4721	179	35	of	of	ADP
ajebi-4721	179	36	total	total	ADJ
ajebi-4721	179	37	assets	asset	NOUN
ajebi-4721	179	38	if	if	SCONJ
ajebi-4721	179	39	the	the	DET
ajebi-4721	179	40	proportion	proportion	NOUN
ajebi-4721	179	41	of	of	ADP
ajebi-4721	179	42	the	the	DET
ajebi-4721	179	43	assets	asset	NOUN
ajebi-4721	179	44	of	of	ADP
ajebi-4721	179	45	all	all	DET
ajebi-4721	179	46	the	the	DET
ajebi-4721	179	47	remaining	remain	VERB
ajebi-4721	179	48	financial	financial	ADJ
ajebi-4721	179	49	institutions	institution	NOUN
ajebi-4721	179	50	under	under	ADP
ajebi-4721	179	51	this	this	DET
ajebi-4721	179	52	study	study	NOUN
ajebi-4721	179	53	is	be	AUX
ajebi-4721	179	54	summed	sum	VERB
ajebi-4721	179	55	up	up	ADP
ajebi-4721	179	56	.	.	PUNCT
ajebi-4721	180	1	this	this	DET
ajebi-4721	180	2	study	study	NOUN
ajebi-4721	180	3	has	have	AUX
ajebi-4721	180	4	observed	observe	VERB
ajebi-4721	180	5	that	that	SCONJ
ajebi-4721	180	6	out	out	ADP
ajebi-4721	180	7	of	of	ADP
ajebi-4721	180	8	the	the	DET
ajebi-4721	180	9	five	five	NUM
ajebi-4721	180	10	financial	financial	ADJ
ajebi-4721	180	11	institutions	institution	NOUN
ajebi-4721	180	12	analyzed	analyze	VERB
ajebi-4721	180	13	,	,	PUNCT
ajebi-4721	180	14	two	two	NUM
ajebi-4721	180	15	financial	financial	ADJ
ajebi-4721	180	16	institutions	institution	NOUN
ajebi-4721	180	17	(	(	PUNCT
ajebi-4721	180	18	gcb	gcb	PROPN
ajebi-4721	180	19	and	and	CCONJ
ajebi-4721	180	20	adb	adb	NOUN
ajebi-4721	180	21	)	)	PUNCT
ajebi-4721	180	22	are	be	AUX
ajebi-4721	180	23	in	in	ADP
ajebi-4721	180	24	the	the	DET
ajebi-4721	180	25	q1	q1	NOUN
ajebi-4721	180	26	category	category	NOUN
ajebi-4721	180	27	and	and	CCONJ
ajebi-4721	180	28	belong	belong	VERB
ajebi-4721	180	29	to	to	ADP
ajebi-4721	180	30	the	the	DET
ajebi-4721	180	31	government	government	NOUN
ajebi-4721	180	32	,	,	PUNCT
ajebi-4721	180	33	with	with	ADP
ajebi-4721	180	34	a	a	DET
ajebi-4721	180	35	total	total	ADJ
ajebi-4721	180	36	asset	asset	NOUN
ajebi-4721	180	37	holding	holding	NOUN
ajebi-4721	180	38	of	of	ADP
ajebi-4721	180	39	52	52	NUM
ajebi-4721	180	40	%	%	NOUN
ajebi-4721	180	41	.	.	PUNCT
ajebi-4721	181	1	this	this	PRON
ajebi-4721	181	2	is	be	AUX
ajebi-4721	181	3	an	an	DET
ajebi-4721	181	4	indication	indication	NOUN
ajebi-4721	181	5	of	of	ADP
ajebi-4721	181	6	the	the	DET
ajebi-4721	181	7	government	government	NOUN
ajebi-4721	181	8	’s	’s	PART
ajebi-4721	181	9	continuous	continuous	ADJ
ajebi-4721	181	10	dominance	dominance	NOUN
ajebi-4721	181	11	in	in	ADP
ajebi-4721	181	12	the	the	DET
ajebi-4721	181	13	financial	financial	ADJ
ajebi-4721	181	14	sector	sector	NOUN
ajebi-4721	181	15	of	of	ADP
ajebi-4721	181	16	developing	develop	VERB
ajebi-4721	181	17	economies	economy	NOUN
ajebi-4721	181	18	and	and	CCONJ
ajebi-4721	181	19	its	its	PRON
ajebi-4721	181	20	ability	ability	NOUN
ajebi-4721	181	21	to	to	PART
ajebi-4721	181	22	remain	remain	VERB
ajebi-4721	181	23	strong	strong	ADJ
ajebi-4721	181	24	.	.	PUNCT
ajebi-4721	182	1	heightened	heighten	VERB
ajebi-4721	182	2	factors	factor	NOUN
ajebi-4721	182	3	have	have	AUX
ajebi-4721	182	4	caused	cause	VERB
ajebi-4721	182	5	the	the	DET
ajebi-4721	182	6	current	current	ADJ
ajebi-4721	182	7	state	state	NOUN
ajebi-4721	182	8	of	of	ADP
ajebi-4721	182	9	the	the	DET
ajebi-4721	182	10	financial	financial	ADJ
ajebi-4721	182	11	sector	sector	NOUN
ajebi-4721	182	12	in	in	ADP
ajebi-4721	182	13	emerging	emerge	VERB
ajebi-4721	182	14	markets	market	NOUN
ajebi-4721	182	15	a	a	DET
ajebi-4721	182	16	further	further	ADJ
ajebi-4721	182	17	analysis	analysis	NOUN
ajebi-4721	182	18	was	be	AUX
ajebi-4721	182	19	carried	carry	VERB
ajebi-4721	182	20	out	out	ADP
ajebi-4721	182	21	on	on	ADP
ajebi-4721	182	22	the	the	DET
ajebi-4721	182	23	various	various	ADJ
ajebi-4721	182	24	factors	factor	NOUN
ajebi-4721	182	25	pa	pa	PROPN
ajebi-4721	182	26	ge	ge	PROPN
ajebi-4721	182	27	10	10	NUM
ajebi-4721	182	28	4	4	NUM
ajebi-4721	182	29	https://journals.e-palli.com/home/index.php/ajebi	https://journals.e-palli.com/home/index.php/ajebi	NUM
ajebi-4721	182	30	am	am	NOUN
ajebi-4721	182	31	.	.	PUNCT
ajebi-4721	183	1	j.	j.	PROPN
ajebi-4721	183	2	econ	econ	PROPN
ajebi-4721	183	3	.	.	PUNCT
ajebi-4721	183	4	bus	bus	PROPN
ajebi-4721	183	5	.	.	PUNCT
ajebi-4721	184	1	innov	innov	PROPN
ajebi-4721	184	2	.	.	PUNCT
ajebi-4721	185	1	4(3	4(3	NUM
ajebi-4721	185	2	)	)	PUNCT
ajebi-4721	185	3	97	97	NUM
ajebi-4721	185	4	-	-	SYM
ajebi-4721	185	5	106	106	NUM
ajebi-4721	185	6	,	,	PUNCT
ajebi-4721	185	7	2025	2025	NUM
ajebi-4721	185	8	identified	identify	VERB
ajebi-4721	185	9	through	through	ADP
ajebi-4721	185	10	literature	literature	NOUN
ajebi-4721	185	11	as	as	ADP
ajebi-4721	185	12	the	the	DET
ajebi-4721	185	13	characteristics	characteristic	NOUN
ajebi-4721	185	14	of	of	ADP
ajebi-4721	185	15	the	the	DET
ajebi-4721	185	16	financial	financial	ADJ
ajebi-4721	185	17	sector	sector	NOUN
ajebi-4721	185	18	of	of	ADP
ajebi-4721	185	19	developing	develop	VERB
ajebi-4721	185	20	economies	economy	NOUN
ajebi-4721	185	21	,	,	PUNCT
ajebi-4721	185	22	which	which	PRON
ajebi-4721	185	23	of	of	ADP
ajebi-4721	185	24	the	the	DET
ajebi-4721	185	25	factors	factor	NOUN
ajebi-4721	185	26	has	have	VERB
ajebi-4721	185	27	high	high	ADJ
ajebi-4721	185	28	dominance	dominance	NOUN
ajebi-4721	185	29	in	in	ADP
ajebi-4721	185	30	the	the	DET
ajebi-4721	185	31	market	market	NOUN
ajebi-4721	185	32	.	.	PUNCT
ajebi-4721	186	1	figure	figure	NOUN
ajebi-4721	186	2	5	5	NUM
ajebi-4721	186	3	below	below	ADV
ajebi-4721	186	4	shows	show	VERB
ajebi-4721	186	5	the	the	DET
ajebi-4721	186	6	results	result	NOUN
ajebi-4721	186	7	of	of	ADP
ajebi-4721	186	8	the	the	DET
ajebi-4721	186	9	factors	factor	NOUN
ajebi-4721	186	10	with	with	ADP
ajebi-4721	186	11	high	high	ADJ
ajebi-4721	186	12	dominance	dominance	NOUN
ajebi-4721	186	13	in	in	ADP
ajebi-4721	186	14	the	the	DET
ajebi-4721	186	15	market	market	NOUN
ajebi-4721	186	16	.	.	PUNCT
ajebi-4721	187	1	the	the	DET
ajebi-4721	187	2	results	result	NOUN
ajebi-4721	187	3	in	in	ADP
ajebi-4721	187	4	figure	figure	NOUN
ajebi-4721	187	5	4	4	NUM
ajebi-4721	187	6	below	below	ADV
ajebi-4721	187	7	show	show	VERB
ajebi-4721	187	8	that	that	SCONJ
ajebi-4721	187	9	digital	digital	ADJ
ajebi-4721	187	10	technology	technology	NOUN
ajebi-4721	187	11	dominates	dominate	VERB
ajebi-4721	187	12	the	the	DET
ajebi-4721	187	13	factors	factor	NOUN
ajebi-4721	187	14	that	that	PRON
ajebi-4721	187	15	are	be	AUX
ajebi-4721	187	16	currently	currently	ADV
ajebi-4721	187	17	impacting	impact	VERB
ajebi-4721	187	18	the	the	DET
ajebi-4721	187	19	financial	financial	ADJ
ajebi-4721	187	20	sector	sector	NOUN
ajebi-4721	187	21	of	of	ADP
ajebi-4721	187	22	emerging	emerge	VERB
ajebi-4721	187	23	markets	market	NOUN
ajebi-4721	187	24	,	,	PUNCT
ajebi-4721	187	25	with	with	ADP
ajebi-4721	187	26	a	a	DET
ajebi-4721	187	27	21.1	21.1	NUM
ajebi-4721	187	28	%	%	NOUN
ajebi-4721	187	29	score	score	NOUN
ajebi-4721	187	30	,	,	PUNCT
ajebi-4721	187	31	followed	follow	VERB
ajebi-4721	187	32	by	by	ADP
ajebi-4721	187	33	government	government	NOUN
ajebi-4721	187	34	policy	policy	NOUN
ajebi-4721	187	35	,	,	PUNCT
ajebi-4721	187	36	which	which	PRON
ajebi-4721	187	37	had	have	VERB
ajebi-4721	187	38	16.7	16.7	NUM
ajebi-4721	187	39	%	%	NOUN
ajebi-4721	187	40	,	,	PUNCT
ajebi-4721	187	41	then	then	ADV
ajebi-4721	187	42	government	government	NOUN
ajebi-4721	187	43	dominance	dominance	NOUN
ajebi-4721	187	44	in	in	ADP
ajebi-4721	187	45	economic	economic	ADJ
ajebi-4721	187	46	activities	activity	NOUN
ajebi-4721	187	47	,	,	PUNCT
ajebi-4721	187	48	which	which	PRON
ajebi-4721	187	49	had	have	VERB
ajebi-4721	187	50	13.5	13.5	NUM
ajebi-4721	187	51	%	%	NOUN
ajebi-4721	187	52	,	,	PUNCT
ajebi-4721	187	53	risk	risk	NOUN
ajebi-4721	187	54	inherent	inherent	ADJ
ajebi-4721	187	55	in	in	ADP
ajebi-4721	187	56	bank	bank	NOUN
ajebi-4721	187	57	operations	operation	NOUN
ajebi-4721	187	58	,	,	PUNCT
ajebi-4721	187	59	which	which	PRON
ajebi-4721	187	60	had	have	VERB
ajebi-4721	187	61	a	a	DET
ajebi-4721	187	62	12.10	12.10	NUM
ajebi-4721	187	63	%	%	NOUN
ajebi-4721	187	64	score	score	NOUN
ajebi-4721	187	65	,	,	PUNCT
ajebi-4721	187	66	and	and	CCONJ
ajebi-4721	187	67	volatility	volatility	NOUN
ajebi-4721	187	68	in	in	ADP
ajebi-4721	187	69	the	the	DET
ajebi-4721	187	70	market	market	NOUN
ajebi-4721	187	71	,	,	PUNCT
ajebi-4721	187	72	which	which	PRON
ajebi-4721	187	73	had	have	VERB
ajebi-4721	187	74	a	a	DET
ajebi-4721	187	75	10.9	10.9	NUM
ajebi-4721	187	76	%	%	NOUN
ajebi-4721	187	77	score	score	NOUN
ajebi-4721	187	78	,	,	PUNCT
ajebi-4721	187	79	followed	follow	VERB
ajebi-4721	187	80	by	by	ADP
ajebi-4721	187	81	a	a	DET
ajebi-4721	187	82	wider	wide	ADJ
ajebi-4721	187	83	range	range	NOUN
ajebi-4721	187	84	of	of	ADP
ajebi-4721	187	85	financial	financial	ADJ
ajebi-4721	187	86	products	product	NOUN
ajebi-4721	187	87	with	with	ADP
ajebi-4721	187	88	a	a	DET
ajebi-4721	187	89	5.8	5.8	NUM
ajebi-4721	187	90	%	%	NOUN
ajebi-4721	187	91	score	score	NOUN
ajebi-4721	187	92	.	.	PUNCT
ajebi-4721	188	1	the	the	DET
ajebi-4721	188	2	remaining	remain	VERB
ajebi-4721	188	3	factors	factor	NOUN
ajebi-4721	188	4	had	have	VERB
ajebi-4721	188	5	a	a	DET
ajebi-4721	188	6	percentage	percentage	NOUN
ajebi-4721	188	7	score	score	NOUN
ajebi-4721	188	8	of	of	ADP
ajebi-4721	188	9	less	less	ADJ
ajebi-4721	188	10	than	than	ADP
ajebi-4721	188	11	5	5	NUM
ajebi-4721	188	12	%	%	NOUN
ajebi-4721	188	13	significance	significance	NOUN
ajebi-4721	188	14	.	.	PUNCT
ajebi-4721	189	1	these	these	PRON
ajebi-4721	189	2	are	be	AUX
ajebi-4721	189	3	indications	indication	NOUN
ajebi-4721	189	4	that	that	SCONJ
ajebi-4721	189	5	digital	digital	ADJ
ajebi-4721	189	6	technology	technology	NOUN
ajebi-4721	189	7	,	,	PUNCT
ajebi-4721	189	8	government	government	NOUN
ajebi-4721	189	9	policy	policy	NOUN
ajebi-4721	189	10	,	,	PUNCT
ajebi-4721	189	11	and	and	CCONJ
ajebi-4721	189	12	government	government	NOUN
ajebi-4721	189	13	dominance	dominance	NOUN
ajebi-4721	189	14	are	be	AUX
ajebi-4721	189	15	the	the	DET
ajebi-4721	189	16	most	most	ADV
ajebi-4721	189	17	influential	influential	ADJ
ajebi-4721	189	18	factors	factor	NOUN
ajebi-4721	189	19	in	in	ADP
ajebi-4721	189	20	the	the	DET
ajebi-4721	189	21	financial	financial	ADJ
ajebi-4721	189	22	sector	sector	NOUN
ajebi-4721	189	23	of	of	ADP
ajebi-4721	189	24	emerging	emerge	VERB
ajebi-4721	189	25	markets	market	NOUN
ajebi-4721	189	26	.	.	PUNCT
ajebi-4721	190	1	figure	figure	VERB
ajebi-4721	190	2	5	5	NUM
ajebi-4721	190	3	:	:	PUNCT
ajebi-4721	190	4	factors	factor	NOUN
ajebi-4721	190	5	with	with	ADP
ajebi-4721	190	6	high	high	ADJ
ajebi-4721	190	7	dominance	dominance	NOUN
ajebi-4721	190	8	in	in	ADP
ajebi-4721	190	9	the	the	DET
ajebi-4721	190	10	financial	financial	ADJ
ajebi-4721	190	11	sector	sector	NOUN
ajebi-4721	190	12	of	of	ADP
ajebi-4721	190	13	developing	develop	VERB
ajebi-4721	190	14	economies	economy	NOUN
ajebi-4721	190	15	source	source	NOUN
ajebi-4721	190	16	:	:	PUNCT
ajebi-4721	190	17	this	this	DET
ajebi-4721	190	18	study	study	NOUN
ajebi-4721	190	19	conclusion	conclusion	NOUN
ajebi-4721	190	20	both	both	CCONJ
ajebi-4721	190	21	new	new	ADJ
ajebi-4721	190	22	and	and	CCONJ
ajebi-4721	190	23	old	old	ADJ
ajebi-4721	190	24	realities	reality	NOUN
ajebi-4721	190	25	characterize	characterize	VERB
ajebi-4721	190	26	the	the	DET
ajebi-4721	190	27	financial	financial	ADJ
ajebi-4721	190	28	sector	sector	NOUN
ajebi-4721	190	29	developing	develop	VERB
ajebi-4721	190	30	economies	economy	NOUN
ajebi-4721	190	31	.	.	PUNCT
ajebi-4721	191	1	these	these	DET
ajebi-4721	191	2	realities	reality	NOUN
ajebi-4721	191	3	are	be	AUX
ajebi-4721	191	4	affirmed	affirm	VERB
ajebi-4721	191	5	in	in	ADP
ajebi-4721	191	6	literatures	literature	NOUN
ajebi-4721	191	7	such	such	ADJ
ajebi-4721	191	8	as	as	ADP
ajebi-4721	191	9	mohideen	mohideen	PROPN
ajebi-4721	191	10	et	et	PROPN
ajebi-4721	191	11	al	al	PROPN
ajebi-4721	191	12	.	.	PROPN
ajebi-4721	192	1	(	(	PUNCT
ajebi-4721	192	2	2018	2018	NUM
ajebi-4721	192	3	)	)	PUNCT
ajebi-4721	192	4	,	,	PUNCT
ajebi-4721	192	5	oece	oece	PROPN
ajebi-4721	192	6	(	(	PUNCT
ajebi-4721	192	7	2022	2022	NUM
ajebi-4721	192	8	)	)	PUNCT
ajebi-4721	192	9	,	,	PUNCT
ajebi-4721	192	10	the	the	DET
ajebi-4721	192	11	world	world	PROPN
ajebi-4721	192	12	bank	bank	PROPN
ajebi-4721	192	13	(	(	PUNCT
ajebi-4721	192	14	2016	2016	NUM
ajebi-4721	192	15	)	)	PUNCT
ajebi-4721	192	16	,	,	PUNCT
ajebi-4721	192	17	lópez	lópez	PROPN
ajebi-4721	192	18	et	et	PROPN
ajebi-4721	192	19	al	al	PROPN
ajebi-4721	192	20	.	.	PROPN
ajebi-4721	192	21	(	(	PUNCT
ajebi-4721	192	22	2012	2012	NUM
ajebi-4721	192	23	)	)	PUNCT
ajebi-4721	192	24	,	,	PUNCT
ajebi-4721	192	25	xavier	xavier	PROPN
ajebi-4721	192	26	(	(	PUNCT
ajebi-4721	192	27	2022	2022	NUM
ajebi-4721	192	28	)	)	PUNCT
ajebi-4721	192	29	,	,	PUNCT
ajebi-4721	192	30	and	and	CCONJ
ajebi-4721	192	31	ravikumar	ravikumar	VERB
ajebi-4721	192	32	et	et	PROPN
ajebi-4721	192	33	al	al	PROPN
ajebi-4721	192	34	.	.	PROPN
ajebi-4721	192	35	(	(	PUNCT
ajebi-4721	192	36	2022	2022	NUM
ajebi-4721	192	37	)	)	PUNCT
ajebi-4721	192	38	.	.	PUNCT
ajebi-4721	193	1	this	this	DET
ajebi-4721	193	2	affirmation	affirmation	NOUN
ajebi-4721	193	3	has	have	AUX
ajebi-4721	193	4	been	be	AUX
ajebi-4721	193	5	approved	approve	VERB
ajebi-4721	193	6	through	through	ADP
ajebi-4721	193	7	the	the	DET
ajebi-4721	193	8	developed	develop	VERB
ajebi-4721	193	9	model	model	NOUN
ajebi-4721	193	10	in	in	ADP
ajebi-4721	193	11	figure	figure	NOUN
ajebi-4721	193	12	2	2	NUM
ajebi-4721	193	13	above	above	ADV
ajebi-4721	193	14	,	,	PUNCT
ajebi-4721	193	15	and	and	CCONJ
ajebi-4721	193	16	it	it	PRON
ajebi-4721	193	17	also	also	ADV
ajebi-4721	193	18	aligns	align	VERB
ajebi-4721	193	19	with	with	ADP
ajebi-4721	193	20	the	the	DET
ajebi-4721	193	21	findings	finding	NOUN
ajebi-4721	193	22	of	of	ADP
ajebi-4721	193	23	authors	author	NOUN
ajebi-4721	193	24	such	such	ADJ
ajebi-4721	193	25	as	as	ADP
ajebi-4721	193	26	zhu	zhu	PROPN
ajebi-4721	193	27	et	et	PROPN
ajebi-4721	193	28	al	al	PROPN
ajebi-4721	193	29	.	.	PROPN
ajebi-4721	194	1	(	(	PUNCT
ajebi-4721	194	2	2023	2023	NUM
ajebi-4721	194	3	)	)	PUNCT
ajebi-4721	194	4	and	and	CCONJ
ajebi-4721	194	5	pwc	pwc	NOUN
ajebi-4721	194	6	(	(	PUNCT
ajebi-4721	194	7	2023	2023	NUM
ajebi-4721	194	8	)	)	PUNCT
ajebi-4721	194	9	survey	survey	NOUN
ajebi-4721	194	10	reports	report	NOUN
ajebi-4721	194	11	,	,	PUNCT
ajebi-4721	194	12	which	which	PRON
ajebi-4721	194	13	indicate	indicate	VERB
ajebi-4721	194	14	that	that	SCONJ
ajebi-4721	194	15	digital	digital	ADJ
ajebi-4721	194	16	technologies	technology	NOUN
ajebi-4721	194	17	are	be	AUX
ajebi-4721	194	18	the	the	DET
ajebi-4721	194	19	surest	sure	ADJ
ajebi-4721	194	20	way	way	NOUN
ajebi-4721	194	21	for	for	ADP
ajebi-4721	194	22	sustainable	sustainable	ADJ
ajebi-4721	194	23	financial	financial	ADJ
ajebi-4721	194	24	sector	sector	NOUN
ajebi-4721	194	25	development	development	NOUN
ajebi-4721	194	26	in	in	ADP
ajebi-4721	194	27	developing	develop	VERB
ajebi-4721	194	28	economies	economy	NOUN
ajebi-4721	194	29	.	.	PUNCT
ajebi-4721	195	1	the	the	DET
ajebi-4721	195	2	bottom	bottom	ADJ
ajebi-4721	195	3	line	line	NOUN
ajebi-4721	195	4	is	be	AUX
ajebi-4721	195	5	that	that	PRON
ajebi-4721	195	6	government	government	NOUN
ajebi-4721	195	7	dominance	dominance	NOUN
ajebi-4721	195	8	and	and	CCONJ
ajebi-4721	195	9	control	control	NOUN
ajebi-4721	195	10	remain	remain	VERB
ajebi-4721	195	11	high	high	ADJ
ajebi-4721	195	12	in	in	ADP
ajebi-4721	195	13	the	the	DET
ajebi-4721	195	14	financial	financial	ADJ
ajebi-4721	195	15	sector	sector	NOUN
ajebi-4721	195	16	of	of	ADP
ajebi-4721	195	17	developing	develop	VERB
ajebi-4721	195	18	economies	economy	NOUN
ajebi-4721	195	19	,	,	PUNCT
ajebi-4721	195	20	including	include	VERB
ajebi-4721	195	21	dominance	dominance	NOUN
ajebi-4721	195	22	in	in	ADP
ajebi-4721	195	23	major	major	ADJ
ajebi-4721	195	24	economic	economic	ADJ
ajebi-4721	195	25	activity	activity	NOUN
ajebi-4721	195	26	.	.	PUNCT
ajebi-4721	196	1	however	however	ADV
ajebi-4721	196	2	,	,	PUNCT
ajebi-4721	196	3	fully	fully	ADV
ajebi-4721	196	4	leveraging	leverage	VERB
ajebi-4721	196	5	digital	digital	ADJ
ajebi-4721	196	6	technology	technology	NOUN
ajebi-4721	196	7	would	would	AUX
ajebi-4721	196	8	capacitate	capacitate	VERB
ajebi-4721	196	9	the	the	DET
ajebi-4721	196	10	financial	financial	ADJ
ajebi-4721	196	11	sector	sector	NOUN
ajebi-4721	196	12	of	of	ADP
ajebi-4721	196	13	developing	develop	VERB
ajebi-4721	196	14	economies	economy	NOUN
ajebi-4721	196	15	to	to	PART
ajebi-4721	196	16	take	take	VERB
ajebi-4721	196	17	advantage	advantage	NOUN
ajebi-4721	196	18	of	of	ADP
ajebi-4721	196	19	all	all	DET
ajebi-4721	196	20	the	the	DET
ajebi-4721	196	21	opportunities	opportunity	NOUN
ajebi-4721	196	22	in	in	ADP
ajebi-4721	196	23	the	the	DET
ajebi-4721	196	24	global	global	ADJ
ajebi-4721	196	25	financial	financial	ADJ
ajebi-4721	196	26	market	market	NOUN
ajebi-4721	196	27	to	to	PART
ajebi-4721	196	28	achieve	achieve	VERB
ajebi-4721	196	29	a	a	DET
ajebi-4721	196	30	guarantee	guarantee	NOUN
ajebi-4721	196	31	and	and	CCONJ
ajebi-4721	196	32	sustainable	sustainable	ADJ
ajebi-4721	196	33	financial	financial	ADJ
ajebi-4721	196	34	sector	sector	NOUN
ajebi-4721	196	35	growth	growth	NOUN
ajebi-4721	196	36	and	and	CCONJ
ajebi-4721	196	37	development	development	NOUN
ajebi-4721	196	38	.	.	PUNCT
ajebi-4721	197	1	limitations	limitation	NOUN
ajebi-4721	197	2	and	and	CCONJ
ajebi-4721	197	3	direction	direction	NOUN
ajebi-4721	197	4	for	for	ADP
ajebi-4721	197	5	future	future	ADJ
ajebi-4721	197	6	research	research	NOUN
ajebi-4721	197	7	while	while	SCONJ
ajebi-4721	197	8	conducting	conduct	VERB
ajebi-4721	197	9	this	this	DET
ajebi-4721	197	10	study	study	NOUN
ajebi-4721	197	11	,	,	PUNCT
ajebi-4721	197	12	it	it	PRON
ajebi-4721	197	13	is	be	AUX
ajebi-4721	197	14	noted	note	VERB
ajebi-4721	197	15	that	that	SCONJ
ajebi-4721	197	16	the	the	DET
ajebi-4721	197	17	data	datum	NOUN
ajebi-4721	197	18	used	use	VERB
ajebi-4721	197	19	for	for	ADP
ajebi-4721	197	20	analysis	analysis	NOUN
ajebi-4721	197	21	is	be	AUX
ajebi-4721	197	22	limited	limit	VERB
ajebi-4721	197	23	to	to	ADP
ajebi-4721	197	24	a	a	DET
ajebi-4721	197	25	specific	specific	ADJ
ajebi-4721	197	26	period	period	NOUN
ajebi-4721	197	27	,	,	PUNCT
ajebi-4721	197	28	which	which	PRON
ajebi-4721	197	29	may	may	AUX
ajebi-4721	197	30	not	not	PART
ajebi-4721	197	31	be	be	AUX
ajebi-4721	197	32	a	a	DET
ajebi-4721	197	33	true	true	ADJ
ajebi-4721	197	34	representation	representation	NOUN
ajebi-4721	197	35	of	of	ADP
ajebi-4721	197	36	the	the	DET
ajebi-4721	197	37	situation	situation	NOUN
ajebi-4721	197	38	of	of	ADP
ajebi-4721	197	39	the	the	DET
ajebi-4721	197	40	financial	financial	ADJ
ajebi-4721	197	41	sector	sector	NOUN
ajebi-4721	197	42	in	in	ADP
ajebi-4721	197	43	developing	develop	VERB
ajebi-4721	197	44	economies	economy	NOUN
ajebi-4721	197	45	in	in	ADP
ajebi-4721	197	46	the	the	DET
ajebi-4721	197	47	future	future	NOUN
ajebi-4721	197	48	.	.	PUNCT
ajebi-4721	198	1	in	in	ADP
ajebi-4721	198	2	addition	addition	NOUN
ajebi-4721	198	3	,	,	PUNCT
ajebi-4721	198	4	the	the	DET
ajebi-4721	198	5	study	study	NOUN
ajebi-4721	198	6	could	could	AUX
ajebi-4721	198	7	not	not	PART
ajebi-4721	198	8	test	test	VERB
ajebi-4721	198	9	how	how	SCONJ
ajebi-4721	198	10	digital	digital	ADJ
ajebi-4721	198	11	technology	technology	NOUN
ajebi-4721	198	12	could	could	AUX
ajebi-4721	198	13	be	be	AUX
ajebi-4721	198	14	used	use	VERB
ajebi-4721	198	15	to	to	PART
ajebi-4721	198	16	limit	limit	VERB
ajebi-4721	198	17	government	government	NOUN
ajebi-4721	198	18	dominance	dominance	NOUN
ajebi-4721	198	19	in	in	ADP
ajebi-4721	198	20	the	the	DET
ajebi-4721	198	21	financial	financial	ADJ
ajebi-4721	198	22	sector	sector	NOUN
ajebi-4721	198	23	of	of	ADP
ajebi-4721	198	24	developing	develop	VERB
ajebi-4721	198	25	economies	economy	NOUN
ajebi-4721	198	26	and	and	CCONJ
ajebi-4721	198	27	recommended	recommend	VERB
ajebi-4721	198	28	that	that	SCONJ
ajebi-4721	198	29	a	a	DET
ajebi-4721	198	30	future	future	ADJ
ajebi-4721	198	31	study	study	NOUN
ajebi-4721	198	32	focus	focus	NOUN
ajebi-4721	198	33	on	on	ADP
ajebi-4721	198	34	that	that	PRON
ajebi-4721	198	35	.	.	PUNCT
ajebi-4721	199	1	references	reference	NOUN
ajebi-4721	199	2	ahinsah	ahinsah	NOUN
ajebi-4721	199	3	-	-	PUNCT
ajebi-4721	199	4	wobil	wobil	PROPN
ajebi-4721	199	5	,	,	PUNCT
ajebi-4721	199	6	i.	i.	NOUN
ajebi-4721	199	7	(	(	PUNCT
ajebi-4721	199	8	2023	2023	NUM
ajebi-4721	199	9	)	)	PUNCT
ajebi-4721	199	10	.	.	PUNCT
ajebi-4721	200	1	analyzing	analyze	VERB
ajebi-4721	200	2	the	the	DET
ajebi-4721	200	3	impact	impact	NOUN
ajebi-4721	200	4	of	of	ADP
ajebi-4721	200	5	domestic	domestic	ADJ
ajebi-4721	200	6	debt	debt	NOUN
ajebi-4721	200	7	restructuring	restructuring	NOUN
ajebi-4721	200	8	on	on	ADP
ajebi-4721	200	9	banks	bank	NOUN
ajebi-4721	200	10	in	in	ADP
ajebi-4721	200	11	ghana	ghana	PROPN
ajebi-4721	200	12	:	:	PUNCT
ajebi-4721	200	13	challenges	challenge	NOUN
ajebi-4721	200	14	faced	face	VERB
ajebi-4721	200	15	and	and	CCONJ
ajebi-4721	200	16	strategies	strategy	NOUN
ajebi-4721	200	17	for	for	ADP
ajebi-4721	200	18	resilience	resilience	NOUN
ajebi-4721	200	19	.	.	PUNCT
ajebi-4721	201	1	ssrn	ssrn	PROPN
ajebi-4721	201	2	.	.	PUNCT
ajebi-4721	202	1	https://ssrn.com/	https://ssrn.com/	PROPN
ajebi-4721	202	2	abstract=4433029	abstract=4433029	PROPN
ajebi-4721	202	3	allen	allen	PROPN
ajebi-4721	202	4	,	,	PUNCT
ajebi-4721	202	5	f.	f.	PROPN
ajebi-4721	202	6	,	,	PUNCT
ajebi-4721	202	7	&	&	CCONJ
ajebi-4721	202	8	santomero	santomero	NOUN
ajebi-4721	202	9	,	,	PUNCT
ajebi-4721	202	10	a.	a.	NOUN
ajebi-4721	202	11	m.	m.	NOUN
ajebi-4721	202	12	(	(	PUNCT
ajebi-4721	202	13	1996	1996	NUM
ajebi-4721	202	14	)	)	PUNCT
ajebi-4721	202	15	.	.	PUNCT
ajebi-4721	203	1	the	the	DET
ajebi-4721	203	2	theory	theory	NOUN
ajebi-4721	203	3	of	of	ADP
ajebi-4721	203	4	financial	financial	ADJ
ajebi-4721	203	5	intermediation	intermediation	NOUN
ajebi-4721	203	6	(	(	PUNCT
ajebi-4721	203	7	pp	pp	ADJ
ajebi-4721	203	8	.	.	PUNCT
ajebi-4721	203	9	32–96	32–96	NUM
ajebi-4721	203	10	)	)	PUNCT
ajebi-4721	203	11	.	.	PUNCT
ajebi-4721	204	1	ssrn	ssrn	PROPN
ajebi-4721	204	2	.	.	PUNCT
ajebi-4721	205	1	https://ssrn.com/	https://ssrn.com/	PROPN
ajebi-4721	205	2	abstract=7716	abstract=7716	PROPN
ajebi-4721	205	3	al	al	PROPN
ajebi-4721	205	4	-	-	PUNCT
ajebi-4721	205	5	smadi	smadi	NOUN
ajebi-4721	205	6	,	,	PUNCT
ajebi-4721	205	7	o.	o.	NOUN
ajebi-4721	205	8	m.	m.	NOUN
ajebi-4721	205	9	(	(	PUNCT
ajebi-4721	205	10	2023	2023	NUM
ajebi-4721	205	11	)	)	PUNCT
ajebi-4721	205	12	.	.	PUNCT
ajebi-4721	206	1	examining	examine	VERB
ajebi-4721	206	2	the	the	DET
ajebi-4721	206	3	relationship	relationship	NOUN
ajebi-4721	206	4	between	between	ADP
ajebi-4721	206	5	digital	digital	ADJ
ajebi-4721	206	6	finance	finance	NOUN
ajebi-4721	206	7	and	and	CCONJ
ajebi-4721	206	8	financial	financial	ADJ
ajebi-4721	206	9	inclusion	inclusion	NOUN
ajebi-4721	206	10	:	:	PUNCT
ajebi-4721	206	11	evidence	evidence	NOUN
ajebi-4721	206	12	from	from	ADP
ajebi-4721	206	13	mena	mena	PROPN
ajebi-4721	206	14	countries	countries	PROPN
ajebi-4721	206	15	.	.	PUNCT
ajebi-4721	207	1	borsa	borsa	PROPN
ajebi-4721	207	2	istanbul	istanbul	PROPN
ajebi-4721	207	3	review	review	PROPN
ajebi-4721	207	4	,	,	PUNCT
ajebi-4721	207	5	23(2	23(2	NUM
ajebi-4721	207	6	)	)	PUNCT
ajebi-4721	207	7	,	,	PUNCT
ajebi-4721	207	8	464–472	464–472	NUM
ajebi-4721	207	9	.	.	PUNCT
ajebi-4721	208	1	https://doi.org/10.1016/j	https://doi.org/10.1016/j	NOUN
ajebi-4721	208	2	.	.	PUNCT
ajebi-4721	209	1	bir.2022.11.016	bir.2022.11.016	NOUN
ajebi-4721	209	2	alt	alt	PROPN
ajebi-4721	209	3	,	,	PUNCT
ajebi-4721	209	4	r.	r.	PROPN
ajebi-4721	209	5	,	,	PUNCT
ajebi-4721	209	6	beck	beck	PROPN
ajebi-4721	209	7	,	,	PUNCT
ajebi-4721	209	8	r.	r.	PROPN
ajebi-4721	209	9	,	,	PUNCT
ajebi-4721	209	10	&	&	CCONJ
ajebi-4721	209	11	smits	smit	NOUN
ajebi-4721	209	12	,	,	PUNCT
ajebi-4721	209	13	m.	m.	NOUN
ajebi-4721	209	14	t.	t.	PROPN
ajebi-4721	209	15	(	(	PUNCT
ajebi-4721	209	16	2018	2018	NUM
ajebi-4721	209	17	)	)	PUNCT
ajebi-4721	209	18	.	.	PUNCT
ajebi-4721	210	1	fintech	fintech	NOUN
ajebi-4721	210	2	and	and	CCONJ
ajebi-4721	210	3	the	the	DET
ajebi-4721	210	4	transformation	transformation	NOUN
ajebi-4721	210	5	of	of	ADP
ajebi-4721	210	6	the	the	DET
ajebi-4721	210	7	financial	financial	ADJ
ajebi-4721	210	8	industry	industry	NOUN
ajebi-4721	210	9	.	.	PUNCT
ajebi-4721	211	1	electronic	electronic	ADJ
ajebi-4721	211	2	markets	market	NOUN
ajebi-4721	211	3	,	,	PUNCT
ajebi-4721	211	4	28(3	28(3	NUM
ajebi-4721	211	5	)	)	PUNCT
ajebi-4721	211	6	,	,	PUNCT
ajebi-4721	211	7	235–243	235–243	NUM
ajebi-4721	211	8	.	.	PUNCT
ajebi-4721	212	1	https://doi.org/10.1007/	https://doi.org/10.1007/	PROPN
ajebi-4721	212	2	s12525	s12525	PROPN
ajebi-4721	212	3	-	-	PUNCT
ajebi-4721	212	4	018	018	NUM
ajebi-4721	212	5	-	-	PUNCT
ajebi-4721	212	6	0310	0310	NUM
ajebi-4721	212	7	-	-	SYM
ajebi-4721	212	8	9	9	NUM
ajebi-4721	212	9	ankrah	ankrah	PROPN
ajebi-4721	212	10	,	,	PUNCT
ajebi-4721	212	11	e.	e.	PROPN
ajebi-4721	212	12	(	(	PUNCT
ajebi-4721	212	13	n.d	n.d	PROPN
ajebi-4721	212	14	.	.	PROPN
ajebi-4721	212	15	)	)	PUNCT
ajebi-4721	212	16	.	.	PUNCT
ajebi-4721	213	1	technology	technology	NOUN
ajebi-4721	213	2	and	and	CCONJ
ajebi-4721	213	3	service	service	NOUN
ajebi-4721	213	4	quality	quality	NOUN
ajebi-4721	213	5	in	in	ADP
ajebi-4721	213	6	the	the	DET
ajebi-4721	213	7	banking	banking	NOUN
ajebi-4721	213	8	industry	industry	NOUN
ajebi-4721	213	9	in	in	ADP
ajebi-4721	213	10	ghana	ghana	PROPN
ajebi-4721	213	11	.	.	PUNCT
ajebi-4721	214	1	information	information	NOUN
ajebi-4721	214	2	and	and	CCONJ
ajebi-4721	214	3	knowledge	knowledge	NOUN
ajebi-4721	214	4	management	management	NOUN
ajebi-4721	214	5	,	,	PUNCT
ajebi-4721	214	6	2(8	2(8	NUM
ajebi-4721	214	7	)	)	PUNCT
ajebi-4721	214	8	.	.	PUNCT
ajebi-4721	215	1	issn	issn	PROPN
ajebi-4721	215	2	2224	2224	NUM
ajebi-4721	215	3	-	-	SYM
ajebi-4721	215	4	5758	5758	NUM
ajebi-4721	215	5	/	/	SYM
ajebi-4721	215	6	2224	2224	NUM
ajebi-4721	215	7	-	-	PUNCT
ajebi-4721	215	8	896x	896x	NOUN
ajebi-4721	215	9	antwi	antwi	NOUN
ajebi-4721	215	10	-	-	PUNCT
ajebi-4721	215	11	asare	asare	NOUN
ajebi-4721	215	12	,	,	PUNCT
ajebi-4721	215	13	t.	t.	PROPN
ajebi-4721	215	14	o.	o.	PROPN
ajebi-4721	215	15	,	,	PUNCT
ajebi-4721	215	16	&	&	CCONJ
ajebi-4721	215	17	addison	addison	PROPN
ajebi-4721	215	18	,	,	PUNCT
ajebi-4721	215	19	e.	e.	PROPN
ajebi-4721	215	20	k.	k.	PROPN
ajebi-4721	215	21	y.	y.	PROPN
ajebi-4721	215	22	(	(	PUNCT
ajebi-4721	215	23	2020	2020	NUM
ajebi-4721	215	24	)	)	PUNCT
ajebi-4721	215	25	.	.	PUNCT
ajebi-4721	216	1	financial	financial	ADJ
ajebi-4721	216	2	pa	pa	PROPN
ajebi-4721	216	3	ge	ge	PROPN
ajebi-4721	216	4	10	10	NUM
ajebi-4721	216	5	5	5	NUM
ajebi-4721	216	6	https://journals.e-palli.com/home/index.php/ajebi	https://journals.e-palli.com/home/index.php/ajebi	NUM
ajebi-4721	216	7	am	am	NOUN
ajebi-4721	216	8	.	.	PUNCT
ajebi-4721	217	1	j.	j.	PROPN
ajebi-4721	217	2	econ	econ	PROPN
ajebi-4721	217	3	.	.	PUNCT
ajebi-4721	217	4	bus	bus	PROPN
ajebi-4721	217	5	.	.	PUNCT
ajebi-4721	218	1	innov	innov	PROPN
ajebi-4721	218	2	.	.	PUNCT
ajebi-4721	219	1	4(3	4(3	NUM
ajebi-4721	219	2	)	)	PUNCT
ajebi-4721	219	3	97	97	NUM
ajebi-4721	219	4	-	-	SYM
ajebi-4721	219	5	106	106	NUM
ajebi-4721	219	6	,	,	PUNCT
ajebi-4721	219	7	2025	2025	NUM
ajebi-4721	219	8	sector	sector	NOUN
ajebi-4721	219	9	reforms	reform	NOUN
ajebi-4721	219	10	and	and	CCONJ
ajebi-4721	219	11	bank	bank	NOUN
ajebi-4721	219	12	performance	performance	NOUN
ajebi-4721	219	13	in	in	ADP
ajebi-4721	219	14	ghana	ghana	PROPN
ajebi-4721	219	15	.	.	PUNCT
ajebi-4721	220	1	overseas	overseas	PROPN
ajebi-4721	220	2	development	development	PROPN
ajebi-4721	220	3	institute	institute	PROPN
ajebi-4721	220	4	.	.	PUNCT
ajebi-4721	221	1	elischolar	elischolar	PROPN
ajebi-4721	221	2	,	,	PUNCT
ajebi-4721	221	3	yale	yale	PROPN
ajebi-4721	221	4	university	university	PROPN
ajebi-4721	221	5	library	library	NOUN
ajebi-4721	221	6	.	.	PUNCT
ajebi-4721	222	1	appiahene	appiahene	PROPN
ajebi-4721	222	2	,	,	PUNCT
ajebi-4721	222	3	p.	p.	NOUN
ajebi-4721	222	4	,	,	PUNCT
ajebi-4721	222	5	missah	missah	NOUN
ajebi-4721	222	6	,	,	PUNCT
ajebi-4721	222	7	y.	y.	PROPN
ajebi-4721	222	8	m.	m.	NOUN
ajebi-4721	222	9	,	,	PUNCT
ajebi-4721	222	10	gyening	gyene	VERB
ajebi-4721	222	11	,	,	PUNCT
ajebi-4721	222	12	r.	r.	PROPN
ajebi-4721	222	13	m.	m.	PROPN
ajebi-4721	222	14	o.	o.	PROPN
ajebi-4721	222	15	m.	m.	PROPN
ajebi-4721	222	16	,	,	PUNCT
ajebi-4721	222	17	adu	adu	ADJ
ajebi-4721	222	18	-	-	PUNCT
ajebi-4721	222	19	gyamfi	gyamfi	PROPN
ajebi-4721	222	20	,	,	PUNCT
ajebi-4721	222	21	d.	d.	PROPN
ajebi-4721	222	22	,	,	PUNCT
ajebi-4721	222	23	&	&	CCONJ
ajebi-4721	222	24	opoku	opoku	PROPN
ajebi-4721	222	25	,	,	PUNCT
ajebi-4721	222	26	m.	m.	NOUN
ajebi-4721	222	27	(	(	PUNCT
ajebi-4721	222	28	2022	2022	NUM
ajebi-4721	222	29	)	)	PUNCT
ajebi-4721	222	30	.	.	PUNCT
ajebi-4721	223	1	predicting	predict	VERB
ajebi-4721	223	2	the	the	DET
ajebi-4721	223	3	operational	operational	ADJ
ajebi-4721	223	4	efficiency	efficiency	NOUN
ajebi-4721	223	5	of	of	ADP
ajebi-4721	223	6	banks	bank	NOUN
ajebi-4721	223	7	using	use	VERB
ajebi-4721	223	8	their	their	PRON
ajebi-4721	223	9	information	information	NOUN
ajebi-4721	223	10	technology	technology	NOUN
ajebi-4721	223	11	:	:	PUNCT
ajebi-4721	223	12	decision	decision	NOUN
ajebi-4721	223	13	tree	tree	NOUN
ajebi-4721	223	14	algorithm	algorithm	NOUN
ajebi-4721	223	15	approach	approach	NOUN
ajebi-4721	223	16	.	.	PUNCT
ajebi-4721	224	1	information	information	NOUN
ajebi-4721	224	2	technologist	technologist	NOUN
ajebi-4721	224	3	,	,	PUNCT
ajebi-4721	224	4	19(1	19(1	NUM
ajebi-4721	224	5	)	)	PUNCT
ajebi-4721	224	6	.	.	PUNCT
ajebi-4721	225	1	arizala	arizala	PROPN
ajebi-4721	225	2	,	,	PUNCT
ajebi-4721	225	3	f.	f.	PROPN
ajebi-4721	225	4	,	,	PUNCT
ajebi-4721	225	5	&	&	CCONJ
ajebi-4721	225	6	yang	yang	PROPN
ajebi-4721	225	7	,	,	PUNCT
ajebi-4721	225	8	d.	d.	PROPN
ajebi-4721	225	9	(	(	PUNCT
ajebi-4721	225	10	2021	2021	NUM
ajebi-4721	225	11	)	)	PUNCT
ajebi-4721	225	12	.	.	PUNCT
ajebi-4721	226	1	developing	develop	VERB
ajebi-4721	226	2	economies	economy	NOUN
ajebi-4721	226	3	must	must	AUX
ajebi-4721	226	4	balance	balance	VERB
ajebi-4721	226	5	overcoming	overcome	VERB
ajebi-4721	226	6	the	the	DET
ajebi-4721	226	7	pandemic	pandemic	NOUN
ajebi-4721	226	8	,	,	PUNCT
ajebi-4721	226	9	returning	return	VERB
ajebi-4721	226	10	to	to	ADP
ajebi-4721	226	11	more	more	ADV
ajebi-4721	226	12	normal	normal	ADJ
ajebi-4721	226	13	policies	policy	NOUN
ajebi-4721	226	14	,	,	PUNCT
ajebi-4721	226	15	and	and	CCONJ
ajebi-4721	226	16	rebuilding	rebuild	VERB
ajebi-4721	226	17	their	their	PRON
ajebi-4721	226	18	economies	economy	NOUN
ajebi-4721	226	19	.	.	PUNCT
ajebi-4721	227	1	imf	imf	PROPN
ajebi-4721	227	2	’s	’s	PART
ajebi-4721	227	3	strategy	strategy	NOUN
ajebi-4721	227	4	,	,	PUNCT
ajebi-4721	227	5	policy	policy	NOUN
ajebi-4721	227	6	,	,	PUNCT
ajebi-4721	227	7	and	and	CCONJ
ajebi-4721	227	8	review	review	VERB
ajebi-4721	227	9	department	department	NOUN
ajebi-4721	227	10	.	.	PUNCT
ajebi-4721	228	1	https://www.imf	https://www.imf	PROPN
ajebi-4721	228	2	.	.	PUNCT
ajebi-4721	229	1	org	org	ADJ
ajebi-4721	229	2	/	/	SYM
ajebi-4721	229	3	external	external	ADJ
ajebi-4721	229	4	/	/	SYM
ajebi-4721	229	5	pubs	pub	NOUN
ajebi-4721	229	6	/	/	SYM
ajebi-4721	229	7	ft	ft	NOUN
ajebi-4721	229	8	/	/	SYM
ajebi-4721	229	9	fandd/2021/06	fandd/2021/06	NOUN
ajebi-4721	229	10	/	/	SYM
ajebi-4721	229	11	the	the	DET
ajebi-4721	229	12	-	-	PUNCT
ajebi-4721	229	13	future	future	ADJ
ajebi-4721	229	14	-	-	PUNCT
ajebi-4721	229	15	ofemerging	ofemerging	NOUN
ajebi-4721	229	16	-	-	PUNCT
ajebi-4721	229	17	markets	market	NOUN
ajebi-4721	229	18	-	-	PUNCT
ajebi-4721	229	19	duttagupta	duttagupta	NOUN
ajebi-4721	229	20	-	-	PUNCT
ajebi-4721	229	21	and	and	CCONJ
ajebi-4721	229	22	-	-	PUNCT
ajebi-4721	229	23	pazarbasioglu.htm	pazarbasioglu.htm	NOUN
ajebi-4721	229	24	aryeetey	aryeetey	NOUN
ajebi-4721	229	25	,	,	PUNCT
ajebi-4721	229	26	e.	e.	PROPN
ajebi-4721	229	27	(	(	PUNCT
ajebi-4721	229	28	1996	1996	NUM
ajebi-4721	229	29	)	)	PUNCT
ajebi-4721	229	30	.	.	PUNCT
ajebi-4721	230	1	the	the	DET
ajebi-4721	230	2	formal	formal	ADJ
ajebi-4721	230	3	financial	financial	ADJ
ajebi-4721	230	4	sector	sector	NOUN
ajebi-4721	230	5	in	in	ADP
ajebi-4721	230	6	ghana	ghana	PROPN
ajebi-4721	230	7	after	after	ADP
ajebi-4721	230	8	the	the	DET
ajebi-4721	230	9	reforms	reform	NOUN
ajebi-4721	230	10	(	(	PUNCT
ajebi-4721	230	11	overseas	overseas	PROPN
ajebi-4721	230	12	development	development	PROPN
ajebi-4721	230	13	institute	institute	PROPN
ajebi-4721	230	14	working	working	PROPN
ajebi-4721	230	15	paper	paper	PROPN
ajebi-4721	230	16	no	no	INTJ
ajebi-4721	230	17	.	.	PROPN
ajebi-4721	230	18	86	86	NUM
ajebi-4721	230	19	)	)	PUNCT
ajebi-4721	230	20	.	.	PUNCT
ajebi-4721	231	1	odi	odi	PROPN
ajebi-4721	231	2	.	.	PUNCT
ajebi-4721	232	1	aryeetey	aryeetey	PROPN
ajebi-4721	232	2	,	,	PUNCT
ajebi-4721	232	3	e.	e.	PROPN
ajebi-4721	232	4	,	,	PUNCT
ajebi-4721	232	5	baah	baah	PROPN
ajebi-4721	232	6	-	-	PUNCT
ajebi-4721	232	7	nuakoh	nuakoh	PROPN
ajebi-4721	232	8	,	,	PUNCT
ajebi-4721	232	9	a.	a.	NOUN
ajebi-4721	232	10	,	,	PUNCT
ajebi-4721	232	11	duggleby	duggleby	NOUN
ajebi-4721	232	12	,	,	PUNCT
ajebi-4721	232	13	t.	t.	PROPN
ajebi-4721	232	14	,	,	PUNCT
ajebi-4721	232	15	hettige	hettige	PROPN
ajebi-4721	232	16	,	,	PUNCT
ajebi-4721	232	17	h.	h.	PROPN
ajebi-4721	232	18	,	,	PUNCT
ajebi-4721	232	19	&	&	CCONJ
ajebi-4721	232	20	steel	steel	PROPN
ajebi-4721	232	21	,	,	PUNCT
ajebi-4721	232	22	w.	w.	PROPN
ajebi-4721	232	23	f.	f.	PROPN
ajebi-4721	232	24	(	(	PUNCT
ajebi-4721	232	25	1993	1993	NUM
ajebi-4721	232	26	)	)	PUNCT
ajebi-4721	232	27	.	.	PUNCT
ajebi-4721	233	1	meeting	meet	VERB
ajebi-4721	233	2	the	the	DET
ajebi-4721	233	3	financing	financing	NOUN
ajebi-4721	233	4	needs	need	NOUN
ajebi-4721	233	5	of	of	ADP
ajebi-4721	233	6	small	small	ADJ
ajebi-4721	233	7	and	and	CCONJ
ajebi-4721	233	8	medium	medium	ADJ
ajebi-4721	233	9	-	-	PUNCT
ajebi-4721	233	10	sized	sized	ADJ
ajebi-4721	233	11	enterprises	enterprise	NOUN
ajebi-4721	233	12	in	in	ADP
ajebi-4721	233	13	ghana	ghana	PROPN
ajebi-4721	233	14	.	.	PUNCT
ajebi-4721	234	1	world	world	PROPN
ajebi-4721	234	2	bank	bank	PROPN
ajebi-4721	234	3	/	/	SYM
ajebi-4721	234	4	nbssi	nbssi	PROPN
ajebi-4721	234	5	.	.	PUNCT
ajebi-4721	235	1	bank	bank	PROPN
ajebi-4721	235	2	of	of	ADP
ajebi-4721	235	3	ghana	ghana	PROPN
ajebi-4721	235	4	.	.	PUNCT
ajebi-4721	236	1	(	(	PUNCT
ajebi-4721	236	2	1994	1994	NUM
ajebi-4721	236	3	)	)	PUNCT
ajebi-4721	236	4	.	.	PUNCT
ajebi-4721	237	1	quarterly	quarterly	ADJ
ajebi-4721	237	2	economic	economic	ADJ
ajebi-4721	237	3	bulletin	bulletin	NOUN
ajebi-4721	237	4	(	(	PUNCT
ajebi-4721	237	5	january	january	PROPN
ajebi-4721	237	6	–	–	PUNCT
ajebi-4721	237	7	march	march	PROPN
ajebi-4721	237	8	)	)	PUNCT
ajebi-4721	237	9	.	.	PUNCT
ajebi-4721	238	1	accra	accra	PROPN
ajebi-4721	238	2	.	.	PUNCT
ajebi-4721	239	1	bank	bank	PROPN
ajebi-4721	239	2	of	of	ADP
ajebi-4721	239	3	ghana	ghana	PROPN
ajebi-4721	239	4	.	.	PUNCT
ajebi-4721	240	1	(	(	PUNCT
ajebi-4721	240	2	2020	2020	NUM
ajebi-4721	240	3	)	)	PUNCT
ajebi-4721	240	4	.	.	PUNCT
ajebi-4721	241	1	payment	payment	NOUN
ajebi-4721	241	2	systems	system	NOUN
ajebi-4721	241	3	oversight	oversight	NOUN
ajebi-4721	241	4	annual	annual	ADJ
ajebi-4721	241	5	report	report	NOUN
ajebi-4721	241	6	,	,	PUNCT
ajebi-4721	241	7	2020	2020	NUM
ajebi-4721	241	8	.	.	PUNCT
ajebi-4721	242	1	https://www.bog.gov.gh/wp-content/	https://www.bog.gov.gh/wp-content/	PROPN
ajebi-4721	242	2	uploads/2022/02	uploads/2022/02	ADJ
ajebi-4721	242	3	/	/	SYM
ajebi-4721	242	4	payment	payment	NOUN
ajebi-4721	242	5	-	-	PUNCT
ajebi-4721	242	6	systems	system	NOUN
ajebi-4721	242	7	-	-	PUNCT
ajebi-4721	242	8	annualreport-2020.pdf	annualreport-2020.pdf	NOUN
ajebi-4721	242	9	bernanke	bernanke	NOUN
ajebi-4721	242	10	,	,	PUNCT
ajebi-4721	242	11	b.	b.	PROPN
ajebi-4721	242	12	(	(	PUNCT
ajebi-4721	242	13	2013	2013	NUM
ajebi-4721	242	14	,	,	PUNCT
ajebi-4721	242	15	may	may	AUX
ajebi-4721	242	16	18	18	NUM
ajebi-4721	242	17	)	)	PUNCT
ajebi-4721	242	18	.	.	PUNCT
ajebi-4721	243	1	innovation	innovation	NOUN
ajebi-4721	243	2	lifts	lift	VERB
ajebi-4721	243	3	living	living	NOUN
ajebi-4721	243	4	standards	standard	NOUN
ajebi-4721	243	5	.	.	PUNCT
ajebi-4721	244	1	cnbc	cnbc	PROPN
ajebi-4721	244	2	.	.	PUNCT
ajebi-4721	245	1	https://www.cnbc.com/2013/05/18/bernanketells-grads-innovation-lifts-living-standards.html	https://www.cnbc.com/2013/05/18/bernanketells-grads-innovation-lifts-living-standards.html	VERB
ajebi-4721	245	2	brüggen	brüggen	NOUN
ajebi-4721	245	3	,	,	PUNCT
ajebi-4721	245	4	e.	e.	PROPN
ajebi-4721	245	5	c.	c.	PROPN
ajebi-4721	245	6	,	,	PUNCT
ajebi-4721	245	7	hogreve	hogreve	VERB
ajebi-4721	245	8	,	,	PUNCT
ajebi-4721	245	9	j.	j.	PROPN
ajebi-4721	245	10	,	,	PUNCT
ajebi-4721	245	11	holmlund	holmlund	PROPN
ajebi-4721	245	12	,	,	PUNCT
ajebi-4721	245	13	m.	m.	NOUN
ajebi-4721	245	14	,	,	PUNCT
ajebi-4721	245	15	kabadayi	kabadayi	ADJ
ajebi-4721	245	16	,	,	PUNCT
ajebi-4721	245	17	s.	s.	PROPN
ajebi-4721	245	18	,	,	PUNCT
ajebi-4721	245	19	&	&	CCONJ
ajebi-4721	245	20	löfgren	löfgren	PROPN
ajebi-4721	245	21	,	,	PUNCT
ajebi-4721	245	22	m.	m.	NOUN
ajebi-4721	245	23	(	(	PUNCT
ajebi-4721	245	24	2017	2017	NUM
ajebi-4721	245	25	)	)	PUNCT
ajebi-4721	245	26	.	.	PUNCT
ajebi-4721	246	1	financial	financial	ADJ
ajebi-4721	246	2	well	well	ADV
ajebi-4721	246	3	-	-	PUNCT
ajebi-4721	246	4	being	being	NOUN
ajebi-4721	246	5	:	:	PUNCT
ajebi-4721	246	6	a	a	DET
ajebi-4721	246	7	conceptualization	conceptualization	NOUN
ajebi-4721	246	8	and	and	CCONJ
ajebi-4721	246	9	research	research	NOUN
ajebi-4721	246	10	agenda	agenda	NOUN
ajebi-4721	246	11	.	.	PUNCT
ajebi-4721	247	1	journal	journal	PROPN
ajebi-4721	247	2	of	of	ADP
ajebi-4721	247	3	business	business	NOUN
ajebi-4721	247	4	research	research	NOUN
ajebi-4721	247	5	,	,	PUNCT
ajebi-4721	247	6	79	79	NUM
ajebi-4721	247	7	,	,	PUNCT
ajebi-4721	247	8	228–237	228–237	NUM
ajebi-4721	247	9	.	.	PUNCT
ajebi-4721	248	1	https://doi	https://doi	X
ajebi-4721	248	2	.	.	PUNCT
ajebi-4721	249	1	org/10.1016	org/10.1016	PROPN
ajebi-4721	249	2	/	/	SYM
ajebi-4721	249	3	j.jbusres.2017.03.013	j.jbusres.2017.03.013	PROPN
ajebi-4721	249	4	corporate	corporate	PROPN
ajebi-4721	249	5	finance	finance	PROPN
ajebi-4721	249	6	institute	institute	NOUN
ajebi-4721	249	7	.	.	PUNCT
ajebi-4721	250	1	(	(	PUNCT
ajebi-4721	250	2	n.d	n.d	PROPN
ajebi-4721	250	3	.	.	PROPN
ajebi-4721	250	4	)	)	PUNCT
ajebi-4721	250	5	.	.	PUNCT
ajebi-4721	251	1	emerging	emerge	VERB
ajebi-4721	251	2	markets	market	NOUN
ajebi-4721	251	3	.	.	PUNCT
ajebi-4721	252	1	retrieved	retrieve	VERB
ajebi-4721	252	2	november	november	PROPN
ajebi-4721	252	3	10	10	NUM
ajebi-4721	252	4	,	,	PUNCT
ajebi-4721	252	5	2023	2023	NUM
ajebi-4721	252	6	,	,	PUNCT
ajebi-4721	252	7	from	from	ADP
ajebi-4721	252	8	https://	https://	PROPN
ajebi-4721	253	1	corpora	corpora	PROPN
ajebi-4721	253	2	te	te	PROPN
ajebi-4721	253	3	f	f	PROPN
ajebi-4721	253	4	inance	inance	PROPN
ajebi-4721	254	1	ins	in	NOUN
ajebi-4721	254	2	t	t	PROPN
ajebi-4721	255	1	i	i	PRON
ajebi-4721	255	2	tu	tu	INTJ
ajebi-4721	255	3	te	te	PROPN
ajebi-4721	255	4	.	.	PUNCT
ajebi-4721	255	5	com	com	NOUN
ajebi-4721	255	6	/	/	SYM
ajebi-4721	255	7	resources/	resources/	NUM
ajebi-4721	255	8	economics	economic	NOUN
ajebi-4721	255	9	/	/	SYM
ajebi-4721	255	10	emerging	emerge	VERB
ajebi-4721	255	11	-	-	PUNCT
ajebi-4721	255	12	markets/	markets/	NUM
ajebi-4721	255	13	stowell	stowell	PROPN
ajebi-4721	255	14	,	,	PUNCT
ajebi-4721	255	15	d.	d.	PROPN
ajebi-4721	255	16	p.	p.	PROPN
ajebi-4721	255	17	(	(	PUNCT
ajebi-4721	255	18	2018	2018	NUM
ajebi-4721	255	19	)	)	PUNCT
ajebi-4721	255	20	.	.	PUNCT
ajebi-4721	256	1	investment	investment	NOUN
ajebi-4721	256	2	banks	bank	NOUN
ajebi-4721	256	3	,	,	PUNCT
ajebi-4721	256	4	hedge	hedge	NOUN
ajebi-4721	256	5	funds	fund	NOUN
ajebi-4721	256	6	,	,	PUNCT
ajebi-4721	256	7	and	and	CCONJ
ajebi-4721	256	8	private	private	ADJ
ajebi-4721	256	9	equity	equity	NOUN
ajebi-4721	256	10	(	(	PUNCT
ajebi-4721	256	11	3rd	3rd	ADJ
ajebi-4721	256	12	ed	ed	NOUN
ajebi-4721	256	13	.	.	PROPN
ajebi-4721	256	14	,	,	PUNCT
ajebi-4721	256	15	pp	pp	ADJ
ajebi-4721	256	16	.	.	PUNCT
ajebi-4721	257	1	265–289	265–289	NUM
ajebi-4721	257	2	)	)	PUNCT
ajebi-4721	257	3	.	.	PUNCT
ajebi-4721	258	1	academic	academic	ADJ
ajebi-4721	258	2	press	press	NOUN
ajebi-4721	258	3	.	.	PUNCT
ajebi-4721	259	1	https://	https://	PROPN
ajebi-4721	259	2	doi.org/10.1016/b978-0-12-804723-1.00012-8	doi.org/10.1016/b978-0-12-804723-1.00012-8	PROPN
ajebi-4721	259	3	dranev	dranev	PROPN
ajebi-4721	259	4	,	,	PUNCT
ajebi-4721	259	5	y.	y.	PROPN
ajebi-4721	259	6	,	,	PUNCT
ajebi-4721	259	7	frolova	frolova	PROPN
ajebi-4721	259	8	,	,	PUNCT
ajebi-4721	259	9	k.	k.	PROPN
ajebi-4721	259	10	,	,	PUNCT
ajebi-4721	259	11	&	&	CCONJ
ajebi-4721	259	12	ochirova	ochirova	PROPN
ajebi-4721	259	13	,	,	PUNCT
ajebi-4721	259	14	e.	e.	PROPN
ajebi-4721	259	15	(	(	PUNCT
ajebi-4721	259	16	2019	2019	NUM
ajebi-4721	259	17	)	)	PUNCT
ajebi-4721	259	18	.	.	PUNCT
ajebi-4721	260	1	the	the	DET
ajebi-4721	260	2	impact	impact	NOUN
ajebi-4721	260	3	of	of	ADP
ajebi-4721	260	4	fintech	fintech	NOUN
ajebi-4721	260	5	m&a	m&a	PROPN
ajebi-4721	260	6	on	on	ADP
ajebi-4721	260	7	stock	stock	NOUN
ajebi-4721	260	8	returns	return	NOUN
ajebi-4721	260	9	.	.	PUNCT
ajebi-4721	261	1	research	research	NOUN
ajebi-4721	261	2	in	in	ADP
ajebi-4721	261	3	international	international	ADJ
ajebi-4721	261	4	business	business	NOUN
ajebi-4721	261	5	and	and	CCONJ
ajebi-4721	261	6	finance	finance	NOUN
ajebi-4721	261	7	,	,	PUNCT
ajebi-4721	261	8	48	48	NUM
ajebi-4721	261	9	,	,	PUNCT
ajebi-4721	261	10	353–364	353–364	NUM
ajebi-4721	261	11	.	.	PUNCT
ajebi-4721	262	1	https://	https://	PROPN
ajebi-4721	262	2	doi.org/10.1016/j.ribaf.2019.01.012	doi.org/10.1016/j.ribaf.2019.01.012	NOUN
ajebi-4721	262	3	financial	financial	ADJ
ajebi-4721	262	4	universe	universe	NOUN
ajebi-4721	262	5	.	.	PUNCT
ajebi-4721	263	1	(	(	PUNCT
ajebi-4721	263	2	2023	2023	NUM
ajebi-4721	263	3	)	)	PUNCT
ajebi-4721	263	4	.	.	PUNCT
ajebi-4721	264	1	the	the	DET
ajebi-4721	264	2	main	main	ADJ
ajebi-4721	264	3	types	type	NOUN
ajebi-4721	264	4	of	of	ADP
ajebi-4721	264	5	digital	digital	ADJ
ajebi-4721	264	6	payments	payment	NOUN
ajebi-4721	264	7	,	,	PUNCT
ajebi-4721	264	8	and	and	CCONJ
ajebi-4721	264	9	how	how	SCONJ
ajebi-4721	264	10	to	to	PART
ajebi-4721	264	11	offer	offer	VERB
ajebi-4721	264	12	financial	financial	ADJ
ajebi-4721	264	13	services	service	NOUN
ajebi-4721	264	14	using	use	VERB
ajebi-4721	264	15	them	they	PRON
ajebi-4721	264	16	.	.	PUNCT
ajebi-4721	265	1	financial	financial	ADJ
ajebi-4721	265	2	universe	universe	NOUN
ajebi-4721	265	3	.	.	PUNCT
ajebi-4721	266	1	https://dock.tech/en/fluid/blog/financial/	https://dock.tech/en/fluid/blog/financial/	X
ajebi-4721	266	2	digital	digital	PROPN
ajebi-4721	266	3	-	-	PUNCT
ajebi-4721	266	4	payments/#:~:text	payments/#:~:text	NOUN
ajebi-4721	266	5	=	=	PUNCT
ajebi-4721	266	6	digital%20payments	digital%20payment	NOUN
ajebi-4721	266	7	freixas	freixas	NOUN
ajebi-4721	266	8	,	,	PUNCT
ajebi-4721	266	9	x.	x.	NOUN
ajebi-4721	266	10	,	,	PUNCT
ajebi-4721	266	11	&	&	CCONJ
ajebi-4721	266	12	rochet	rochet	PROPN
ajebi-4721	266	13	,	,	PUNCT
ajebi-4721	266	14	j.	j.	PROPN
ajebi-4721	266	15	c.	c.	PROPN
ajebi-4721	266	16	(	(	PUNCT
ajebi-4721	266	17	2008	2008	NUM
ajebi-4721	266	18	)	)	PUNCT
ajebi-4721	266	19	.	.	PUNCT
ajebi-4721	267	1	microeconomics	microeconomics	PROPN
ajebi-4721	267	2	of	of	ADP
ajebi-4721	267	3	banking	banking	NOUN
ajebi-4721	267	4	(	(	PUNCT
ajebi-4721	267	5	2nd	2nd	ADJ
ajebi-4721	267	6	ed	ed	NOUN
ajebi-4721	267	7	.	.	PUNCT
ajebi-4721	267	8	)	)	PUNCT
ajebi-4721	267	9	.	.	PUNCT
ajebi-4721	268	1	mit	mit	PROPN
ajebi-4721	268	2	press	press	PROPN
ajebi-4721	268	3	.	.	PUNCT
ajebi-4721	269	1	gan	gan	PROPN
ajebi-4721	269	2	,	,	PUNCT
ajebi-4721	269	3	t.	t.	PROPN
ajebi-4721	269	4	,	,	PUNCT
ajebi-4721	269	5	zhang	zhang	PROPN
ajebi-4721	269	6	,	,	PUNCT
ajebi-4721	269	7	m.	m.	NOUN
ajebi-4721	269	8	,	,	PUNCT
ajebi-4721	269	9	&	&	CCONJ
ajebi-4721	269	10	zhang	zhang	PROPN
ajebi-4721	269	11	,	,	PUNCT
ajebi-4721	269	12	z.	z.	PROPN
ajebi-4721	269	13	(	(	PUNCT
ajebi-4721	269	14	2023	2023	NUM
ajebi-4721	269	15	)	)	PUNCT
ajebi-4721	269	16	.	.	PUNCT
ajebi-4721	270	1	the	the	DET
ajebi-4721	270	2	impact	impact	NOUN
ajebi-4721	270	3	of	of	ADP
ajebi-4721	270	4	digital	digital	ADJ
ajebi-4721	270	5	government	government	NOUN
ajebi-4721	270	6	policy	policy	NOUN
ajebi-4721	270	7	on	on	ADP
ajebi-4721	270	8	entrepreneurial	entrepreneurial	ADJ
ajebi-4721	270	9	activity	activity	NOUN
ajebi-4721	270	10	in	in	ADP
ajebi-4721	270	11	china	china	PROPN
ajebi-4721	270	12	.	.	PUNCT
ajebi-4721	271	1	economic	economic	ADJ
ajebi-4721	271	2	analysis	analysis	NOUN
ajebi-4721	271	3	and	and	CCONJ
ajebi-4721	271	4	policy	policy	NOUN
ajebi-4721	271	5	,	,	PUNCT
ajebi-4721	271	6	79	79	NUM
ajebi-4721	271	7	,	,	PUNCT
ajebi-4721	271	8	479–496	479–496	NUM
ajebi-4721	271	9	.	.	PUNCT
ajebi-4721	272	1	https://doi.org/10.1016/j.eap.2023.06.029	https://doi.org/10.1016/j.eap.2023.06.029	PROPN
ajebi-4721	272	2	gimpel	gimpel	PROPN
ajebi-4721	272	3	,	,	PUNCT
ajebi-4721	272	4	h.	h.	PROPN
ajebi-4721	272	5	,	,	PUNCT
ajebi-4721	272	6	rau	rau	PROPN
ajebi-4721	272	7	,	,	PUNCT
ajebi-4721	272	8	d.	d.	PROPN
ajebi-4721	272	9	,	,	PUNCT
ajebi-4721	272	10	&	&	CCONJ
ajebi-4721	272	11	röglinger	röglinger	PROPN
ajebi-4721	272	12	,	,	PUNCT
ajebi-4721	272	13	m.	m.	NOUN
ajebi-4721	272	14	(	(	PUNCT
ajebi-4721	272	15	2018	2018	NUM
ajebi-4721	272	16	)	)	PUNCT
ajebi-4721	272	17	.	.	PUNCT
ajebi-4721	273	1	understanding	understand	VERB
ajebi-4721	273	2	fintech	fintech	NOUN
ajebi-4721	273	3	start	start	NOUN
ajebi-4721	273	4	-	-	PUNCT
ajebi-4721	273	5	ups	up	NOUN
ajebi-4721	273	6	:	:	PUNCT
ajebi-4721	273	7	a	a	DET
ajebi-4721	273	8	taxonomy	taxonomy	NOUN
ajebi-4721	273	9	of	of	ADP
ajebi-4721	273	10	consumer	consumer	NOUN
ajebi-4721	273	11	-	-	PUNCT
ajebi-4721	273	12	oriented	orient	VERB
ajebi-4721	273	13	service	service	NOUN
ajebi-4721	273	14	offerings	offering	NOUN
ajebi-4721	273	15	.	.	PUNCT
ajebi-4721	274	1	electronic	electronic	ADJ
ajebi-4721	274	2	markets	market	NOUN
ajebi-4721	274	3	,	,	PUNCT
ajebi-4721	274	4	28(3	28(3	NUM
ajebi-4721	274	5	)	)	PUNCT
ajebi-4721	274	6	,	,	PUNCT
ajebi-4721	274	7	245–264	245–264	NUM
ajebi-4721	274	8	.	.	PUNCT
ajebi-4721	275	1	https://doi.org/10.1007/	https://doi.org/10.1007/	PROPN
ajebi-4721	275	2	s12525	s12525	PROPN
ajebi-4721	275	3	-	-	PUNCT
ajebi-4721	275	4	017	017	NUM
ajebi-4721	275	5	-	-	PUNCT
ajebi-4721	275	6	0275	0275	NUM
ajebi-4721	275	7	-	-	SYM
ajebi-4721	275	8	0	0	NUM
ajebi-4721	275	9	gomber	gomber	NOUN
ajebi-4721	275	10	,	,	PUNCT
ajebi-4721	275	11	p.	p.	PROPN
ajebi-4721	275	12	,	,	PUNCT
ajebi-4721	275	13	kauffman	kauffman	PROPN
ajebi-4721	275	14	,	,	PUNCT
ajebi-4721	275	15	r.	r.	PROPN
ajebi-4721	275	16	j.	j.	PROPN
ajebi-4721	275	17	,	,	PUNCT
ajebi-4721	275	18	parker	parker	PROPN
ajebi-4721	275	19	,	,	PUNCT
ajebi-4721	275	20	c.	c.	PROPN
ajebi-4721	275	21	,	,	PUNCT
ajebi-4721	275	22	&	&	CCONJ
ajebi-4721	275	23	weber	weber	PROPN
ajebi-4721	275	24	,	,	PUNCT
ajebi-4721	275	25	b.	b.	PROPN
ajebi-4721	275	26	w.	w.	PROPN
ajebi-4721	275	27	(	(	PUNCT
ajebi-4721	275	28	2018	2018	NUM
ajebi-4721	275	29	)	)	PUNCT
ajebi-4721	275	30	.	.	PUNCT
ajebi-4721	276	1	on	on	ADP
ajebi-4721	276	2	the	the	DET
ajebi-4721	276	3	fintech	fintech	NOUN
ajebi-4721	276	4	revolution	revolution	NOUN
ajebi-4721	276	5	:	:	PUNCT
ajebi-4721	276	6	interpreting	interpret	VERB
ajebi-4721	276	7	the	the	DET
ajebi-4721	276	8	forces	force	NOUN
ajebi-4721	276	9	of	of	ADP
ajebi-4721	276	10	innovation	innovation	NOUN
ajebi-4721	276	11	,	,	PUNCT
ajebi-4721	276	12	disruption	disruption	NOUN
ajebi-4721	276	13	,	,	PUNCT
ajebi-4721	276	14	and	and	CCONJ
ajebi-4721	276	15	transformation	transformation	NOUN
ajebi-4721	276	16	in	in	ADP
ajebi-4721	276	17	financial	financial	ADJ
ajebi-4721	276	18	services	service	NOUN
ajebi-4721	276	19	.	.	PUNCT
ajebi-4721	277	1	journal	journal	PROPN
ajebi-4721	277	2	of	of	ADP
ajebi-4721	277	3	management	management	NOUN
ajebi-4721	277	4	information	information	NOUN
ajebi-4721	277	5	systems	system	NOUN
ajebi-4721	277	6	,	,	PUNCT
ajebi-4721	277	7	35(1	35(1	NUM
ajebi-4721	277	8	)	)	PUNCT
ajebi-4721	277	9	,	,	PUNCT
ajebi-4721	277	10	220–265	220–265	NUM
ajebi-4721	277	11	.	.	PUNCT
ajebi-4721	278	1	https://doi.org/10.1080/074	https://doi.org/10.1080/074	PROPN
ajebi-4721	278	2	21222.2018.1440766	21222.2018.1440766	NUM
ajebi-4721	278	3	gomber	gomber	NOUN
ajebi-4721	278	4	,	,	PUNCT
ajebi-4721	278	5	p.	p.	PROPN
ajebi-4721	278	6	,	,	PUNCT
ajebi-4721	278	7	koch	koch	PROPN
ajebi-4721	278	8	,	,	PUNCT
ajebi-4721	278	9	j.	j.	PROPN
ajebi-4721	278	10	a.	a.	PROPN
ajebi-4721	278	11	,	,	PUNCT
ajebi-4721	278	12	&	&	CCONJ
ajebi-4721	278	13	siering	siering	NOUN
ajebi-4721	278	14	,	,	PUNCT
ajebi-4721	278	15	m.	m.	NOUN
ajebi-4721	278	16	(	(	PUNCT
ajebi-4721	278	17	2017	2017	NUM
ajebi-4721	278	18	)	)	PUNCT
ajebi-4721	278	19	.	.	PUNCT
ajebi-4721	279	1	digital	digital	ADJ
ajebi-4721	279	2	finance	finance	NOUN
ajebi-4721	279	3	and	and	CCONJ
ajebi-4721	279	4	fintech	fintech	NOUN
ajebi-4721	279	5	:	:	PUNCT
ajebi-4721	279	6	current	current	ADJ
ajebi-4721	279	7	research	research	NOUN
ajebi-4721	279	8	and	and	CCONJ
ajebi-4721	279	9	future	future	ADJ
ajebi-4721	279	10	research	research	NOUN
ajebi-4721	279	11	directions	direction	NOUN
ajebi-4721	279	12	.	.	PUNCT
ajebi-4721	280	1	journal	journal	NOUN
ajebi-4721	280	2	of	of	ADP
ajebi-4721	280	3	business	business	NOUN
ajebi-4721	280	4	economics	economic	NOUN
ajebi-4721	280	5	,	,	PUNCT
ajebi-4721	280	6	87(5	87(5	NUM
ajebi-4721	280	7	)	)	PUNCT
ajebi-4721	280	8	,	,	PUNCT
ajebi-4721	280	9	537–580	537–580	NUM
ajebi-4721	280	10	.	.	PUNCT
ajebi-4721	281	1	https://doi.org/10.1007/s11573-017-0852-x	https://doi.org/10.1007/s11573-017-0852-x	PROPN
ajebi-4721	281	2	grozdanovska	grozdanovska	PROPN
ajebi-4721	281	3	,	,	PUNCT
ajebi-4721	281	4	v.	v.	ADV
ajebi-4721	281	5	,	,	PUNCT
ajebi-4721	281	6	bojkovska	bojkovska	NOUN
ajebi-4721	281	7	,	,	PUNCT
ajebi-4721	281	8	k.	k.	PROPN
ajebi-4721	281	9	,	,	PUNCT
ajebi-4721	281	10	&	&	CCONJ
ajebi-4721	281	11	jankulovski	jankulovski	PROPN
ajebi-4721	281	12	,	,	PUNCT
ajebi-4721	281	13	n.	n.	NOUN
ajebi-4721	281	14	(	(	PUNCT
ajebi-4721	281	15	2017	2017	NUM
ajebi-4721	281	16	)	)	PUNCT
ajebi-4721	281	17	.	.	PUNCT
ajebi-4721	282	1	financial	financial	ADJ
ajebi-4721	282	2	management	management	NOUN
ajebi-4721	282	3	and	and	CCONJ
ajebi-4721	282	4	financial	financial	ADJ
ajebi-4721	282	5	planning	planning	NOUN
ajebi-4721	282	6	in	in	ADP
ajebi-4721	282	7	the	the	DET
ajebi-4721	282	8	organizations	organization	NOUN
ajebi-4721	282	9	.	.	PUNCT
ajebi-4721	283	1	financial	financial	ADJ
ajebi-4721	283	2	management	management	NOUN
ajebi-4721	283	3	and	and	CCONJ
ajebi-4721	283	4	financial	financial	ADJ
ajebi-4721	283	5	planning	planning	NOUN
ajebi-4721	283	6	in	in	ADP
ajebi-4721	283	7	the	the	DET
ajebi-4721	283	8	organizations	organization	NOUN
ajebi-4721	283	9	,	,	PUNCT
ajebi-4721	283	10	9(2	9(2	NUM
ajebi-4721	283	11	)	)	PUNCT
ajebi-4721	283	12	,	,	PUNCT
ajebi-4721	283	13	120–125	120–125	NUM
ajebi-4721	283	14	.	.	PUNCT
ajebi-4721	284	1	hussain	hussain	PROPN
ajebi-4721	284	2	,	,	PUNCT
ajebi-4721	284	3	a.	a.	PROPN
ajebi-4721	284	4	h.	h.	PROPN
ajebi-4721	284	5	m.	m.	PROPN
ajebi-4721	284	6	b.	b.	PROPN
ajebi-4721	284	7	,	,	PUNCT
ajebi-4721	284	8	endut	endut	PROPN
ajebi-4721	284	9	,	,	PUNCT
ajebi-4721	284	10	n.	n.	PROPN
ajebi-4721	284	11	,	,	PUNCT
ajebi-4721	284	12	das	das	PROPN
ajebi-4721	284	13	,	,	PUNCT
ajebi-4721	284	14	s.	s.	PROPN
ajebi-4721	284	15	,	,	PUNCT
ajebi-4721	284	16	thanvir	thanvir	PROPN
ajebi-4721	284	17	,	,	PUNCT
ajebi-4721	284	18	m.	m.	NOUN
ajebi-4721	284	19	,	,	PUNCT
ajebi-4721	284	20	chowdhury	chowdhury	PROPN
ajebi-4721	284	21	,	,	PUNCT
ajebi-4721	284	22	a.	a.	NOUN
ajebi-4721	284	23	,	,	PUNCT
ajebi-4721	284	24	haque	haque	PROPN
ajebi-4721	284	25	,	,	PUNCT
ajebi-4721	284	26	n.	n.	NOUN
ajebi-4721	284	27	,	,	PUNCT
ajebi-4721	284	28	&	&	CCONJ
ajebi-4721	284	29	ahmed	ahmed	PROPN
ajebi-4721	284	30	,	,	PUNCT
ajebi-4721	284	31	k.	k.	PROPN
ajebi-4721	284	32	j.	j.	PROPN
ajebi-4721	284	33	(	(	PUNCT
ajebi-4721	284	34	2019	2019	NUM
ajebi-4721	284	35	)	)	PUNCT
ajebi-4721	284	36	.	.	PUNCT
ajebi-4721	285	1	does	do	AUX
ajebi-4721	285	2	financial	financial	ADJ
ajebi-4721	285	3	inclusion	inclusion	NOUN
ajebi-4721	285	4	increase	increase	VERB
ajebi-4721	285	5	financial	financial	ADJ
ajebi-4721	285	6	resilience	resilience	NOUN
ajebi-4721	285	7	?	?	PUNCT
ajebi-4721	286	1	evidence	evidence	NOUN
ajebi-4721	286	2	from	from	ADP
ajebi-4721	286	3	bangladesh	bangladesh	PROPN
ajebi-4721	286	4	.	.	PUNCT
ajebi-4721	287	1	development	development	NOUN
ajebi-4721	287	2	in	in	ADP
ajebi-4721	287	3	practice	practice	NOUN
ajebi-4721	287	4	,	,	PUNCT
ajebi-4721	287	5	29(6	29(6	NUM
ajebi-4721	287	6	)	)	PUNCT
ajebi-4721	287	7	,	,	PUNCT
ajebi-4721	287	8	798–807	798–807	NUM
ajebi-4721	287	9	.	.	PUNCT
ajebi-4721	288	1	international	international	ADJ
ajebi-4721	288	2	monetary	monetary	ADJ
ajebi-4721	288	3	fund	fund	NOUN
ajebi-4721	288	4	.	.	PUNCT
ajebi-4721	289	1	(	(	PUNCT
ajebi-4721	289	2	2021	2021	NUM
ajebi-4721	289	3	)	)	PUNCT
ajebi-4721	289	4	.	.	PUNCT
ajebi-4721	290	1	2021	2021	NUM
ajebi-4721	290	2	financial	financial	ADJ
ajebi-4721	290	3	sector	sector	NOUN
ajebi-4721	290	4	assessment	assessment	NOUN
ajebi-4721	290	5	program	program	NOUN
ajebi-4721	290	6	review	review	PROPN
ajebi-4721	290	7	—	—	PUNCT
ajebi-4721	290	8	background	background	NOUN
ajebi-4721	290	9	paper	paper	NOUN
ajebi-4721	290	10	on	on	ADP
ajebi-4721	290	11	quantitative	quantitative	ADJ
ajebi-4721	290	12	analysis	analysis	NOUN
ajebi-4721	290	13	.	.	PUNCT
ajebi-4721	291	1	http://www.imf.org/external/pp/	http://www.imf.org/external/pp/	X
ajebi-4721	292	1	ppindex.aspx	ppindex.aspx	PROPN
ajebi-4721	292	2	international	international	ADJ
ajebi-4721	292	3	labour	labour	PROPN
ajebi-4721	292	4	organization	organization	NOUN
ajebi-4721	292	5	.	.	PUNCT
ajebi-4721	293	1	(	(	PUNCT
ajebi-4721	293	2	2022	2022	NUM
ajebi-4721	293	3	)	)	PUNCT
ajebi-4721	293	4	.	.	PUNCT
ajebi-4721	294	1	the	the	DET
ajebi-4721	294	2	impact	impact	NOUN
ajebi-4721	294	3	of	of	ADP
ajebi-4721	294	4	digitalization	digitalization	NOUN
ajebi-4721	294	5	in	in	ADP
ajebi-4721	294	6	the	the	DET
ajebi-4721	294	7	finance	finance	NOUN
ajebi-4721	294	8	sector	sector	NOUN
ajebi-4721	294	9	.	.	PUNCT
ajebi-4721	295	1	technical	technical	ADJ
ajebi-4721	295	2	meeting	meeting	NOUN
ajebi-4721	295	3	on	on	ADP
ajebi-4721	295	4	the	the	DET
ajebi-4721	295	5	impact	impact	NOUN
ajebi-4721	295	6	of	of	ADP
ajebi-4721	295	7	digitalization	digitalization	NOUN
ajebi-4721	295	8	in	in	ADP
ajebi-4721	295	9	the	the	DET
ajebi-4721	295	10	finance	finance	NOUN
ajebi-4721	295	11	sector	sector	NOUN
ajebi-4721	295	12	,	,	PUNCT
ajebi-4721	295	13	geneva	geneva	PROPN
ajebi-4721	295	14	,	,	PUNCT
ajebi-4721	295	15	24–28	24–28	NUM
ajebi-4721	295	16	january	january	PROPN
ajebi-4721	295	17	2022	2022	NUM
ajebi-4721	295	18	.	.	PUNCT
ajebi-4721	296	1	https://www.ilo.org/	https://www.ilo.org/	NOUN
ajebi-4721	296	2	wcmsp5	wcmsp5	NOUN
ajebi-4721	296	3	/	/	SYM
ajebi-4721	296	4	groups	group	NOUN
ajebi-4721	296	5	/	/	SYM
ajebi-4721	297	1	public/---ed_dialogue/---sector/	public/---ed_dialogue/---sector/	PROPN
ajebi-4721	297	2	documents	document	NOUN
ajebi-4721	297	3	/	/	SYM
ajebi-4721	297	4	meetingdocument	meetingdocument	NOUN
ajebi-4721	297	5	/	/	SYM
ajebi-4721	297	6	wcms_851905.pdf	wcms_851905.pdf	PROPN
ajebi-4721	297	7	international	international	PROPN
ajebi-4721	297	8	monetary	monetary	ADJ
ajebi-4721	297	9	fund	fund	NOUN
ajebi-4721	297	10	.	.	PUNCT
ajebi-4721	298	1	(	(	PUNCT
ajebi-4721	298	2	2011	2011	NUM
ajebi-4721	298	3	)	)	PUNCT
ajebi-4721	298	4	.	.	PUNCT
ajebi-4721	299	1	ghana	ghana	PROPN
ajebi-4721	299	2	:	:	PUNCT
ajebi-4721	299	3	financial	financial	ADJ
ajebi-4721	299	4	system	system	NOUN
ajebi-4721	299	5	stability	stability	NOUN
ajebi-4721	299	6	assessment	assessment	NOUN
ajebi-4721	299	7	update	update	NOUN
ajebi-4721	299	8	(	(	PUNCT
ajebi-4721	299	9	imf	imf	PROPN
ajebi-4721	299	10	country	country	PROPN
ajebi-4721	299	11	report	report	VERB
ajebi-4721	299	12	no	no	INTJ
ajebi-4721	299	13	.	.	PUNCT
ajebi-4721	299	14	11/131	11/131	NUM
ajebi-4721	299	15	)	)	PUNCT
ajebi-4721	299	16	.	.	PUNCT
ajebi-4721	300	1	https://www.imf.org/external/pubs/	https://www.imf.org/external/pubs/	PROPN
ajebi-4721	300	2	ft	ft	NOUN
ajebi-4721	300	3	/	/	SYM
ajebi-4721	300	4	scr/2011	scr/2011	NOUN
ajebi-4721	300	5	/	/	SYM
ajebi-4721	300	6	cr11131.pdf	cr11131.pdf	NOUN
ajebi-4721	300	7	karadayi	karadayi	VERB
ajebi-4721	300	8	-	-	PUNCT
ajebi-4721	300	9	usta	usta	PROPN
ajebi-4721	300	10	,	,	PUNCT
ajebi-4721	300	11	s.	s.	PROPN
ajebi-4721	300	12	(	(	PUNCT
ajebi-4721	300	13	2019	2019	NUM
ajebi-4721	300	14	)	)	PUNCT
ajebi-4721	300	15	.	.	PUNCT
ajebi-4721	301	1	an	an	DET
ajebi-4721	301	2	interpretive	interpretive	ADJ
ajebi-4721	301	3	structural	structural	ADJ
ajebi-4721	301	4	analysis	analysis	NOUN
ajebi-4721	301	5	for	for	ADP
ajebi-4721	301	6	industry	industry	NOUN
ajebi-4721	301	7	4.0	4.0	NUM
ajebi-4721	301	8	adoption	adoption	NOUN
ajebi-4721	301	9	challenges	challenge	NOUN
ajebi-4721	301	10	.	.	PUNCT
ajebi-4721	302	1	ieee	ieee	NOUN
ajebi-4721	302	2	transactions	transaction	NOUN
ajebi-4721	302	3	on	on	ADP
ajebi-4721	302	4	engineering	engineering	NOUN
ajebi-4721	302	5	management	management	NOUN
ajebi-4721	302	6	,	,	PUNCT
ajebi-4721	302	7	67(3	67(3	NUM
ajebi-4721	302	8	)	)	PUNCT
ajebi-4721	302	9	,	,	PUNCT
ajebi-4721	302	10	973–978	973–978	NUM
ajebi-4721	302	11	.	.	PUNCT
ajebi-4721	303	1	lópez	lópez	NOUN
ajebi-4721	303	2	-	-	PUNCT
ajebi-4721	303	3	villavicencio	villavicencio	PROPN
ajebi-4721	303	4	,	,	PUNCT
ajebi-4721	303	5	a.	a.	NOUN
ajebi-4721	303	6	,	,	PUNCT
ajebi-4721	303	7	&	&	CCONJ
ajebi-4721	303	8	mignon	mignon	NOUN
ajebi-4721	303	9	,	,	PUNCT
ajebi-4721	303	10	v.	v.	PROPN
ajebi-4721	303	11	(	(	PUNCT
ajebi-4721	303	12	2017	2017	NUM
ajebi-4721	303	13	)	)	PUNCT
ajebi-4721	303	14	.	.	PUNCT
ajebi-4721	304	1	exchange	exchange	NOUN
ajebi-4721	304	2	rate	rate	NOUN
ajebi-4721	304	3	pass	pass	NOUN
ajebi-4721	304	4	-	-	PUNCT
ajebi-4721	304	5	through	through	NOUN
ajebi-4721	304	6	in	in	ADP
ajebi-4721	304	7	emerging	emerge	VERB
ajebi-4721	304	8	countries	country	NOUN
ajebi-4721	304	9	:	:	PUNCT
ajebi-4721	304	10	do	do	VERB
ajebi-4721	304	11	the	the	DET
ajebi-4721	304	12	inflation	inflation	NOUN
ajebi-4721	304	13	environment	environment	NOUN
ajebi-4721	304	14	,	,	PUNCT
ajebi-4721	304	15	monetary	monetary	ADJ
ajebi-4721	304	16	policy	policy	NOUN
ajebi-4721	304	17	regime	regime	NOUN
ajebi-4721	304	18	and	and	CCONJ
ajebi-4721	304	19	central	central	ADJ
ajebi-4721	304	20	bank	bank	NOUN
ajebi-4721	304	21	behavior	behavior	NOUN
ajebi-4721	304	22	matter	matter	NOUN
ajebi-4721	304	23	?	?	PUNCT
ajebi-4721	305	1	journal	journal	NOUN
ajebi-4721	305	2	of	of	ADP
ajebi-4721	305	3	international	international	ADJ
ajebi-4721	305	4	money	money	NOUN
ajebi-4721	305	5	and	and	CCONJ
ajebi-4721	305	6	finance	finance	NOUN
ajebi-4721	305	7	,	,	PUNCT
ajebi-4721	305	8	79	79	NUM
ajebi-4721	305	9	,	,	PUNCT
ajebi-4721	305	10	20–38	20–38	NUM
ajebi-4721	305	11	.	.	PUNCT
ajebi-4721	306	1	mcknight	mcknight	PROPN
ajebi-4721	306	2	,	,	PUNCT
ajebi-4721	306	3	d.	d.	PROPN
ajebi-4721	306	4	h.	h.	PROPN
ajebi-4721	306	5	,	,	PUNCT
ajebi-4721	306	6	liu	liu	PROPN
ajebi-4721	306	7	,	,	PUNCT
ajebi-4721	306	8	p.	p.	PROPN
ajebi-4721	306	9	,	,	PUNCT
ajebi-4721	306	10	&	&	CCONJ
ajebi-4721	306	11	pentland	pentland	PROPN
ajebi-4721	306	12	,	,	PUNCT
ajebi-4721	306	13	b.	b.	PROPN
ajebi-4721	306	14	t.	t.	PROPN
ajebi-4721	306	15	(	(	PUNCT
ajebi-4721	306	16	2020	2020	NUM
ajebi-4721	306	17	)	)	PUNCT
ajebi-4721	306	18	.	.	PUNCT
ajebi-4721	307	1	trust	trust	NOUN
ajebi-4721	307	2	change	change	NOUN
ajebi-4721	307	3	in	in	ADP
ajebi-4721	307	4	information	information	NOUN
ajebi-4721	307	5	technology	technology	NOUN
ajebi-4721	307	6	products	product	NOUN
ajebi-4721	307	7	.	.	PUNCT
ajebi-4721	308	1	journal	journal	NOUN
ajebi-4721	308	2	of	of	ADP
ajebi-4721	308	3	management	management	NOUN
ajebi-4721	308	4	information	information	NOUN
ajebi-4721	308	5	systems	system	NOUN
ajebi-4721	308	6	,	,	PUNCT
ajebi-4721	308	7	37(4	37(4	PROPN
ajebi-4721	308	8	)	)	PUNCT
ajebi-4721	308	9	,	,	PUNCT
ajebi-4721	308	10	1015–1046	1015–1046	NUM
ajebi-4721	308	11	.	.	PUNCT
ajebi-4721	309	1	menza	menza	PROPN
ajebi-4721	309	2	,	,	PUNCT
ajebi-4721	309	3	m.	m.	NOUN
ajebi-4721	309	4	,	,	PUNCT
ajebi-4721	309	5	jerene	jerene	PROPN
ajebi-4721	309	6	,	,	PUNCT
ajebi-4721	309	7	w.	w.	PROPN
ajebi-4721	309	8	,	,	PUNCT
ajebi-4721	309	9	&	&	CCONJ
ajebi-4721	309	10	oumer	oumer	NOUN
ajebi-4721	309	11	,	,	PUNCT
ajebi-4721	309	12	m.	m.	NOUN
ajebi-4721	309	13	(	(	PUNCT
ajebi-4721	309	14	2024	2024	NUM
ajebi-4721	309	15	)	)	PUNCT
ajebi-4721	309	16	.	.	PUNCT
ajebi-4721	310	1	the	the	DET
ajebi-4721	310	2	effect	effect	NOUN
ajebi-4721	310	3	of	of	ADP
ajebi-4721	310	4	financial	financial	ADJ
ajebi-4721	310	5	technology	technology	NOUN
ajebi-4721	310	6	on	on	ADP
ajebi-4721	310	7	financial	financial	ADJ
ajebi-4721	310	8	inclusion	inclusion	NOUN
ajebi-4721	310	9	in	in	ADP
ajebi-4721	310	10	ethiopia	ethiopia	PROPN
ajebi-4721	310	11	during	during	ADP
ajebi-4721	310	12	the	the	DET
ajebi-4721	310	13	digital	digital	ADJ
ajebi-4721	310	14	economy	economy	NOUN
ajebi-4721	310	15	era	era	NOUN
ajebi-4721	310	16	.	.	PUNCT
ajebi-4721	311	1	cogent	cogent	ADJ
ajebi-4721	311	2	social	social	ADJ
ajebi-4721	311	3	sciences	science	NOUN
ajebi-4721	311	4	,	,	PUNCT
ajebi-4721	311	5	10(1	10(1	NUM
ajebi-4721	311	6	)	)	PUNCT
ajebi-4721	311	7	.	.	PUNCT
ajebi-4721	312	1	https://doi.org/10.1080/23311886.2024.2309000	https://doi.org/10.1080/23311886.2024.2309000	PROPN
ajebi-4721	312	2	merton	merton	PROPN
ajebi-4721	312	3	,	,	PUNCT
ajebi-4721	312	4	r.	r.	PROPN
ajebi-4721	312	5	c.	c.	PROPN
ajebi-4721	312	6	,	,	PUNCT
ajebi-4721	312	7	&	&	CCONJ
ajebi-4721	312	8	bodie	bodie	PROPN
ajebi-4721	312	9	,	,	PUNCT
ajebi-4721	312	10	z.	z.	PROPN
ajebi-4721	312	11	(	(	PUNCT
ajebi-4721	312	12	1995	1995	NUM
ajebi-4721	312	13	)	)	PUNCT
ajebi-4721	312	14	.	.	PUNCT
ajebi-4721	313	1	a	a	DET
ajebi-4721	313	2	conceptual	conceptual	ADJ
ajebi-4721	313	3	framework	framework	NOUN
ajebi-4721	313	4	for	for	ADP
ajebi-4721	313	5	analyzing	analyze	VERB
ajebi-4721	313	6	the	the	DET
ajebi-4721	313	7	financial	financial	ADJ
ajebi-4721	313	8	environment	environment	NOUN
ajebi-4721	313	9	.	.	PUNCT
ajebi-4721	314	1	in	in	ADP
ajebi-4721	314	2	d.	d.	PROPN
ajebi-4721	314	3	b.	b.	PROPN
ajebi-4721	314	4	crane	crane	PROPN
ajebi-4721	314	5	,	,	PUNCT
ajebi-4721	314	6	k.	k.	PROPN
ajebi-4721	314	7	a.	a.	PROPN
ajebi-4721	314	8	froot	froot	PROPN
ajebi-4721	314	9	,	,	PUNCT
ajebi-4721	314	10	s.	s.	PROPN
ajebi-4721	314	11	p.	p.	PROPN
ajebi-4721	314	12	mason	mason	PROPN
ajebi-4721	314	13	,	,	PUNCT
ajebi-4721	314	14	a.	a.	NOUN
ajebi-4721	314	15	perold	perold	PROPN
ajebi-4721	314	16	,	,	PUNCT
ajebi-4721	314	17	r.	r.	PROPN
ajebi-4721	314	18	c.	c.	PROPN
ajebi-4721	314	19	merton	merton	PROPN
ajebi-4721	314	20	,	,	PUNCT
ajebi-4721	314	21	z.	z.	PROPN
ajebi-4721	314	22	bodie	bodie	PROPN
ajebi-4721	314	23	,	,	PUNCT
ajebi-4721	314	24	e.	e.	PROPN
ajebi-4721	314	25	r.	r.	PROPN
ajebi-4721	314	26	sirri	sirri	PROPN
ajebi-4721	314	27	,	,	PUNCT
ajebi-4721	314	28	&	&	CCONJ
ajebi-4721	314	29	p.	p.	PROPN
ajebi-4721	314	30	tufano	tufano	PROPN
ajebi-4721	314	31	(	(	PUNCT
ajebi-4721	314	32	eds	ed	NOUN
ajebi-4721	314	33	.	.	PUNCT
ajebi-4721	314	34	)	)	PUNCT
ajebi-4721	314	35	,	,	PUNCT
ajebi-4721	314	36	the	the	DET
ajebi-4721	314	37	global	global	ADJ
ajebi-4721	314	38	financial	financial	ADJ
ajebi-4721	314	39	system	system	NOUN
ajebi-4721	314	40	:	:	PUNCT
ajebi-4721	314	41	a	a	DET
ajebi-4721	314	42	functional	functional	ADJ
ajebi-4721	314	43	perspective	perspective	NOUN
ajebi-4721	314	44	(	(	PUNCT
ajebi-4721	314	45	pp	pp	ADJ
ajebi-4721	314	46	.	.	PUNCT
ajebi-4721	314	47	3–31	3–31	NUM
ajebi-4721	314	48	)	)	PUNCT
ajebi-4721	314	49	.	.	PUNCT
ajebi-4721	315	1	harvard	harvard	PROPN
ajebi-4721	315	2	business	business	PROPN
ajebi-4721	315	3	school	school	PROPN
ajebi-4721	315	4	press	press	NOUN
ajebi-4721	315	5	.	.	PUNCT
ajebi-4721	316	1	ministry	ministry	NOUN
ajebi-4721	316	2	of	of	ADP
ajebi-4721	316	3	communication	communication	NOUN
ajebi-4721	316	4	and	and	CCONJ
ajebi-4721	316	5	digitalization	digitalization	NOUN
ajebi-4721	316	6	.	.	PUNCT
ajebi-4721	317	1	(	(	PUNCT
ajebi-4721	317	2	2024	2024	NUM
ajebi-4721	317	3	)	)	PUNCT
ajebi-4721	317	4	.	.	PUNCT
ajebi-4721	318	1	ghana	ghana	PROPN
ajebi-4721	318	2	digital	digital	PROPN
ajebi-4721	318	3	economy	economy	NOUN
ajebi-4721	318	4	and	and	CCONJ
ajebi-4721	318	5	strategy	strategy	NOUN
ajebi-4721	318	6	.	.	PUNCT
ajebi-4721	319	1	republic	republic	NOUN
ajebi-4721	319	2	of	of	ADP
ajebi-4721	319	3	ghana	ghana	PROPN
ajebi-4721	319	4	.	.	PUNCT
ajebi-4721	320	1	pa	pa	PROPN
ajebi-4721	320	2	ge	ge	PROPN
ajebi-4721	320	3	10	10	NUM
ajebi-4721	320	4	6	6	NUM
ajebi-4721	320	5	https://journals.e-palli.com/home/index.php/ajebi	https://journals.e-palli.com/home/index.php/ajebi	NUM
ajebi-4721	320	6	am	am	NOUN
ajebi-4721	320	7	.	.	PUNCT
ajebi-4721	321	1	j.	j.	PROPN
ajebi-4721	321	2	econ	econ	PROPN
ajebi-4721	321	3	.	.	PUNCT
ajebi-4721	321	4	bus	bus	PROPN
ajebi-4721	321	5	.	.	PUNCT
ajebi-4721	322	1	innov	innov	PROPN
ajebi-4721	322	2	.	.	PUNCT
ajebi-4721	323	1	4(3	4(3	NUM
ajebi-4721	323	2	)	)	PUNCT
ajebi-4721	323	3	97	97	NUM
ajebi-4721	323	4	-	-	SYM
ajebi-4721	323	5	106	106	NUM
ajebi-4721	323	6	,	,	PUNCT
ajebi-4721	323	7	2025	2025	NUM
ajebi-4721	323	8	https://nita.gov.gh/theevooc/2024/12/ghanadigital-economy-policy-strategy-document.pdf	https://nita.gov.gh/theevooc/2024/12/ghanadigital-economy-policy-strategy-document.pdf	NOUN
ajebi-4721	323	9	mohideen	mohideen	PROPN
ajebi-4721	323	10	,	,	PUNCT
ajebi-4721	323	11	j.	j.	PROPN
ajebi-4721	323	12	,	,	PUNCT
ajebi-4721	323	13	&	&	CCONJ
ajebi-4721	323	14	paracuelles	paracuelles	PROPN
ajebi-4721	323	15	,	,	PUNCT
ajebi-4721	323	16	e.	e.	PROPN
ajebi-4721	323	17	(	(	PUNCT
ajebi-4721	323	18	2018	2018	NUM
ajebi-4721	323	19	)	)	PUNCT
ajebi-4721	323	20	.	.	PUNCT
ajebi-4721	324	1	how	how	SCONJ
ajebi-4721	324	2	is	be	AUX
ajebi-4721	324	3	technology	technology	NOUN
ajebi-4721	324	4	transforming	transform	VERB
ajebi-4721	324	5	global	global	ADJ
ajebi-4721	324	6	emerging	emerge	VERB
ajebi-4721	324	7	markets	market	NOUN
ajebi-4721	324	8	?	?	PUNCT
ajebi-4721	325	1	economics	economic	NOUN
ajebi-4721	325	2	.	.	PUNCT
ajebi-4721	326	1	https://	https://	NOUN
ajebi-4721	326	2	www.nomuraconnects.com/focused-thinking-posts/	www.nomuraconnects.com/focused-thinking-posts/	VERB
ajebi-4721	326	3	how	how	SCONJ
ajebi-4721	326	4	-	-	PUNCT
ajebi-4721	326	5	will	will	NOUN
ajebi-4721	326	6	-	-	PUNCT
ajebi-4721	326	7	technology	technology	NOUN
ajebi-4721	326	8	-	-	PUNCT
ajebi-4721	326	9	transform	transform	NOUN
ajebi-4721	326	10	-	-	PUNCT
ajebi-4721	326	11	global	global	ADJ
ajebi-4721	326	12	-	-	PUNCT
ajebi-4721	326	13	emergingmarkets/	emergingmarkets/	PROPN
ajebi-4721	326	14	morrissey	morrissey	NOUN
ajebi-4721	326	15	,	,	PUNCT
ajebi-4721	326	16	o.	o.	PROPN
ajebi-4721	326	17	,	,	PUNCT
ajebi-4721	326	18	&	&	CCONJ
ajebi-4721	326	19	udomkerdmongkol	udomkerdmongkol	PROPN
ajebi-4721	326	20	,	,	PUNCT
ajebi-4721	326	21	m.	m.	NOUN
ajebi-4721	326	22	(	(	PUNCT
ajebi-4721	326	23	2012	2012	NUM
ajebi-4721	326	24	)	)	PUNCT
ajebi-4721	326	25	.	.	PUNCT
ajebi-4721	327	1	governance	governance	NOUN
ajebi-4721	327	2	,	,	PUNCT
ajebi-4721	327	3	private	private	ADJ
ajebi-4721	327	4	investment	investment	NOUN
ajebi-4721	327	5	and	and	CCONJ
ajebi-4721	327	6	foreign	foreign	ADJ
ajebi-4721	327	7	direct	direct	ADJ
ajebi-4721	327	8	investment	investment	NOUN
ajebi-4721	327	9	in	in	ADP
ajebi-4721	327	10	developing	develop	VERB
ajebi-4721	327	11	countries	country	NOUN
ajebi-4721	327	12	.	.	PUNCT
ajebi-4721	328	1	world	world	NOUN
ajebi-4721	328	2	development	development	PROPN
ajebi-4721	328	3	,	,	PUNCT
ajebi-4721	328	4	40(3	40(3	NOUN
ajebi-4721	328	5	)	)	PUNCT
ajebi-4721	328	6	,	,	PUNCT
ajebi-4721	328	7	437–445	437–445	NUM
ajebi-4721	328	8	.	.	PUNCT
ajebi-4721	329	1	https://doi.org/10.1016/j.worlddev.2011.07.004	https://doi.org/10.1016/j.worlddev.2011.07.004	X
ajebi-4721	329	2	morshadul	morshadul	VERB
ajebi-4721	329	3	,	,	PUNCT
ajebi-4721	329	4	h.	h.	PROPN
ajebi-4721	329	5	,	,	PUNCT
ajebi-4721	329	6	arifu	arifu	PROPN
ajebi-4721	329	7	,	,	PUNCT
ajebi-4721	329	8	h.	h.	PROPN
ajebi-4721	329	9	,	,	PUNCT
ajebi-4721	329	10	mohammad	mohammad	PROPN
ajebi-4721	329	11	,	,	PUNCT
ajebi-4721	329	12	z.	z.	PROPN
ajebi-4721	329	13	a.	a.	PROPN
ajebi-4721	329	14	,	,	PUNCT
ajebi-4721	329	15	&	&	CCONJ
ajebi-4721	329	16	gasbarro	gasbarro	PROPN
ajebi-4721	329	17	,	,	PUNCT
ajebi-4721	329	18	d.	d.	PROPN
ajebi-4721	329	19	(	(	PUNCT
ajebi-4721	329	20	2024	2024	NUM
ajebi-4721	329	21	)	)	PUNCT
ajebi-4721	329	22	.	.	PUNCT
ajebi-4721	330	1	fintech	fintech	NOUN
ajebi-4721	330	2	and	and	CCONJ
ajebi-4721	330	3	sustainable	sustainable	ADJ
ajebi-4721	330	4	development	development	NOUN
ajebi-4721	330	5	:	:	PUNCT
ajebi-4721	330	6	a	a	DET
ajebi-4721	330	7	systematic	systematic	ADJ
ajebi-4721	330	8	thematic	thematic	ADJ
ajebi-4721	330	9	analysis	analysis	NOUN
ajebi-4721	330	10	using	use	VERB
ajebi-4721	330	11	humanand	humanand	ADJ
ajebi-4721	330	12	machine	machine	NOUN
ajebi-4721	330	13	-	-	PUNCT
ajebi-4721	330	14	generated	generate	VERB
ajebi-4721	330	15	processing	processing	NOUN
ajebi-4721	330	16	.	.	PUNCT
ajebi-4721	331	1	international	international	ADJ
ajebi-4721	331	2	review	review	NOUN
ajebi-4721	331	3	of	of	ADP
ajebi-4721	331	4	financial	financial	ADJ
ajebi-4721	331	5	analysis	analysis	NOUN
ajebi-4721	331	6	,	,	PUNCT
ajebi-4721	331	7	95(c	95(c	NUM
ajebi-4721	331	8	)	)	PUNCT
ajebi-4721	331	9	.	.	PUNCT
ajebi-4721	332	1	https://doi.org/10.1016/j	https://doi.org/10.1016/j	NOUN
ajebi-4721	332	2	.	.	PUNCT
ajebi-4721	333	1	irfa.2024.103473	irfa.2024.103473	PROPN
ajebi-4721	333	2	mukong	mukong	PROPN
ajebi-4721	333	3	,	,	PUNCT
ajebi-4721	333	4	a.	a.	PROPN
ajebi-4721	333	5	k.	k.	PROPN
ajebi-4721	333	6	,	,	PUNCT
ajebi-4721	333	7	&	&	CCONJ
ajebi-4721	333	8	nanziri	nanziri	PROPN
ajebi-4721	333	9	,	,	PUNCT
ajebi-4721	333	10	l.	l.	PROPN
ajebi-4721	333	11	e.	e.	PROPN
ajebi-4721	333	12	(	(	PUNCT
ajebi-4721	333	13	2021	2021	NUM
ajebi-4721	333	14	)	)	PUNCT
ajebi-4721	333	15	.	.	PUNCT
ajebi-4721	334	1	social	social	ADJ
ajebi-4721	334	2	networks	network	NOUN
ajebi-4721	334	3	and	and	CCONJ
ajebi-4721	334	4	technology	technology	NOUN
ajebi-4721	334	5	adoption	adoption	NOUN
ajebi-4721	334	6	:	:	PUNCT
ajebi-4721	334	7	evidence	evidence	NOUN
ajebi-4721	334	8	from	from	ADP
ajebi-4721	334	9	mobile	mobile	ADJ
ajebi-4721	334	10	money	money	NOUN
ajebi-4721	334	11	in	in	ADP
ajebi-4721	334	12	uganda	uganda	PROPN
ajebi-4721	334	13	.	.	PUNCT
ajebi-4721	335	1	cogent	cogent	NOUN
ajebi-4721	335	2	economics	economics	PROPN
ajebi-4721	335	3	&	&	CCONJ
ajebi-4721	335	4	finance	finance	PROPN
ajebi-4721	335	5	,	,	PUNCT
ajebi-4721	335	6	9(1	9(1	NUM
ajebi-4721	335	7	)	)	PUNCT
ajebi-4721	335	8	,	,	PUNCT
ajebi-4721	335	9	1913857	1913857	NUM
ajebi-4721	335	10	.	.	PUNCT
ajebi-4721	336	1	nambware	nambware	ADV
ajebi-4721	336	2	,	,	PUNCT
ajebi-4721	336	3	e.	e.	PROPN
ajebi-4721	336	4	(	(	PUNCT
ajebi-4721	336	5	2023	2023	NUM
ajebi-4721	336	6	)	)	PUNCT
ajebi-4721	336	7	.	.	PUNCT
ajebi-4721	337	1	emerging	emerge	VERB
ajebi-4721	337	2	markets	market	NOUN
ajebi-4721	337	3	:	:	PUNCT
ajebi-4721	337	4	ghana	ghana	PROPN
ajebi-4721	337	5	.	.	PUNCT
ajebi-4721	338	1	the	the	DET
ajebi-4721	338	2	treasurer	treasurer	NOUN
ajebi-4721	338	3	magazine	magazine	NOUN
ajebi-4721	338	4	,	,	PUNCT
ajebi-4721	338	5	3	3	PROPN
ajebi-4721	338	6	.	.	PROPN
ajebi-4721	338	7	https://www.treasurers.org/	https://www.treasurers.org/	NOUN
ajebi-4721	338	8	hub	hub	NOUN
ajebi-4721	338	9	/	/	SYM
ajebi-4721	338	10	treasurer	treasurer	NOUN
ajebi-4721	338	11	-	-	PUNCT
ajebi-4721	338	12	magazine	magazine	NOUN
ajebi-4721	338	13	/	/	SYM
ajebi-4721	338	14	treasurer	treasurer	NOUN
ajebi-4721	338	15	-	-	PUNCT
ajebi-4721	338	16	issue-3	issue-3	VERB
ajebi-4721	338	17	-	-	PUNCT
ajebi-4721	338	18	2023	2023	NUM
ajebi-4721	338	19	organisation	organisation	NOUN
ajebi-4721	338	20	for	for	ADP
ajebi-4721	338	21	economic	economic	ADJ
ajebi-4721	338	22	co	co	NOUN
ajebi-4721	338	23	-	-	NOUN
ajebi-4721	338	24	operation	operation	NOUN
ajebi-4721	338	25	and	and	CCONJ
ajebi-4721	338	26	development	development	NOUN
ajebi-4721	338	27	.	.	PUNCT
ajebi-4721	339	1	(	(	PUNCT
ajebi-4721	339	2	2021	2021	NUM
ajebi-4721	339	3	)	)	PUNCT
ajebi-4721	339	4	.	.	PUNCT
ajebi-4721	340	1	business	business	NOUN
ajebi-4721	340	2	insights	insight	NOUN
ajebi-4721	340	3	on	on	ADP
ajebi-4721	340	4	developing	develop	VERB
ajebi-4721	340	5	economies	economy	NOUN
ajebi-4721	340	6	2021	2021	NUM
ajebi-4721	340	7	.	.	PUNCT
ajebi-4721	341	1	oecd	oecd	PROPN
ajebi-4721	341	2	development	development	PROPN
ajebi-4721	341	3	centre	centre	NOUN
ajebi-4721	341	4	.	.	PUNCT
ajebi-4721	342	1	http://	http://	PROPN
ajebi-4721	342	2	www.oecd.org/dev/oecdemnet.htm	www.oecd.org/dev/oecdemnet.htm	X
ajebi-4721	342	3	pousttchi	pousttchi	PROPN
ajebi-4721	342	4	,	,	PUNCT
ajebi-4721	342	5	k.	k.	PROPN
ajebi-4721	342	6	,	,	PUNCT
ajebi-4721	342	7	&	&	CCONJ
ajebi-4721	342	8	dehnert	dehnert	PROPN
ajebi-4721	342	9	,	,	PUNCT
ajebi-4721	342	10	m.	m.	NOUN
ajebi-4721	342	11	(	(	PUNCT
ajebi-4721	342	12	2018	2018	NUM
ajebi-4721	342	13	)	)	PUNCT
ajebi-4721	342	14	.	.	PUNCT
ajebi-4721	343	1	exploring	explore	VERB
ajebi-4721	343	2	the	the	DET
ajebi-4721	343	3	digitalization	digitalization	NOUN
ajebi-4721	343	4	impact	impact	NOUN
ajebi-4721	343	5	on	on	ADP
ajebi-4721	343	6	consumer	consumer	NOUN
ajebi-4721	343	7	decision	decision	NOUN
ajebi-4721	343	8	making	make	VERB
ajebi-4721	343	9	in	in	ADP
ajebi-4721	343	10	retail	retail	ADJ
ajebi-4721	343	11	banking	banking	NOUN
ajebi-4721	343	12	.	.	PUNCT
ajebi-4721	344	1	electronic	electronic	ADJ
ajebi-4721	344	2	markets	market	NOUN
ajebi-4721	344	3	,	,	PUNCT
ajebi-4721	344	4	28(3	28(3	NUM
ajebi-4721	344	5	)	)	PUNCT
ajebi-4721	344	6	,	,	PUNCT
ajebi-4721	344	7	265–275	265–275	NUM
ajebi-4721	344	8	.	.	PUNCT
ajebi-4721	344	9	https://doi.org/10.1007/s12525-017-0283-0	https://doi.org/10.1007/s12525-017-0283-0	PROPN
ajebi-4721	344	10	pwc	pwc	PROPN
ajebi-4721	344	11	ghana	ghana	PROPN
ajebi-4721	344	12	.	.	PUNCT
ajebi-4721	345	1	(	(	PUNCT
ajebi-4721	345	2	2022	2022	NUM
ajebi-4721	345	3	)	)	PUNCT
ajebi-4721	345	4	.	.	PUNCT
ajebi-4721	346	1	ghana	ghana	PROPN
ajebi-4721	346	2	banking	banking	PROPN
ajebi-4721	346	3	survey	survey	NOUN
ajebi-4721	346	4	report	report	NOUN
ajebi-4721	346	5	:	:	PUNCT
ajebi-4721	346	6	why	why	SCONJ
ajebi-4721	346	7	banks	bank	NOUN
ajebi-4721	346	8	can	can	AUX
ajebi-4721	346	9	no	no	ADV
ajebi-4721	346	10	longer	long	ADV
ajebi-4721	346	11	ignore	ignore	VERB
ajebi-4721	346	12	esg	esg	NOUN
ajebi-4721	346	13	—	—	PUNCT
ajebi-4721	346	14	views	view	NOUN
ajebi-4721	346	15	from	from	ADP
ajebi-4721	346	16	ghanaian	ghanaian	ADJ
ajebi-4721	346	17	bankers	banker	NOUN
ajebi-4721	346	18	.	.	PUNCT
ajebi-4721	347	1	https://www.pwc.com/gh/en/assets/pdf/ghanabanking-survey-report-2022.pdf	https://www.pwc.com/gh/en/assets/pdf/ghanabanking-survey-report-2022.pdf	PROPN
ajebi-4721	347	2	rana	rana	PROPN
ajebi-4721	347	3	,	,	PUNCT
ajebi-4721	347	4	n.	n.	PROPN
ajebi-4721	347	5	p.	p.	PROPN
ajebi-4721	347	6	,	,	PUNCT
ajebi-4721	347	7	luthra	luthra	PROPN
ajebi-4721	347	8	,	,	PUNCT
ajebi-4721	347	9	s.	s.	PROPN
ajebi-4721	347	10	,	,	PUNCT
ajebi-4721	347	11	&	&	CCONJ
ajebi-4721	347	12	rao	rao	PROPN
ajebi-4721	347	13	,	,	PUNCT
ajebi-4721	347	14	h.	h.	PROPN
ajebi-4721	347	15	r.	r.	PROPN
ajebi-4721	347	16	(	(	PUNCT
ajebi-4721	347	17	2019	2019	NUM
ajebi-4721	347	18	)	)	PUNCT
ajebi-4721	347	19	.	.	PUNCT
ajebi-4721	348	1	key	key	ADJ
ajebi-4721	348	2	challenges	challenge	NOUN
ajebi-4721	348	3	to	to	ADP
ajebi-4721	348	4	digital	digital	ADJ
ajebi-4721	348	5	financial	financial	ADJ
ajebi-4721	348	6	services	service	NOUN
ajebi-4721	348	7	in	in	ADP
ajebi-4721	348	8	developing	develop	VERB
ajebi-4721	348	9	economies	economy	NOUN
ajebi-4721	348	10	:	:	PUNCT
ajebi-4721	348	11	the	the	DET
ajebi-4721	348	12	indian	indian	ADJ
ajebi-4721	348	13	context	context	NOUN
ajebi-4721	348	14	.	.	PUNCT
ajebi-4721	349	1	information	information	NOUN
ajebi-4721	349	2	technology	technology	PROPN
ajebi-4721	349	3	&	&	CCONJ
ajebi-4721	349	4	people	people	NOUN
ajebi-4721	349	5	,	,	PUNCT
ajebi-4721	349	6	33(1	33(1	NUM
ajebi-4721	349	7	)	)	PUNCT
ajebi-4721	349	8	,	,	PUNCT
ajebi-4721	349	9	198–229	198–229	NUM
ajebi-4721	349	10	.	.	PUNCT
ajebi-4721	350	1	http://hdl.handle.net/10454/17475	http://hdl.handle.net/10454/17475	NOUN
ajebi-4721	350	2	razin	razin	PROPN
ajebi-4721	350	3	,	,	PUNCT
ajebi-4721	350	4	a.	a.	NOUN
ajebi-4721	350	5	(	(	PUNCT
ajebi-4721	350	6	2022	2022	NUM
ajebi-4721	350	7	)	)	PUNCT
ajebi-4721	350	8	.	.	PUNCT
ajebi-4721	351	1	understanding	understand	VERB
ajebi-4721	351	2	national	national	ADJ
ajebi-4721	351	3	-	-	PUNCT
ajebi-4721	351	4	government	government	NOUN
ajebi-4721	351	5	policies	policy	NOUN
ajebi-4721	351	6	regarding	regard	VERB
ajebi-4721	351	7	globalization	globalization	NOUN
ajebi-4721	351	8	:	:	PUNCT
ajebi-4721	351	9	a	a	DET
ajebi-4721	351	10	trade	trade	NOUN
ajebi-4721	351	11	-	-	PUNCT
ajebi-4721	351	12	finance	finance	NOUN
ajebi-4721	351	13	analysis	analysis	NOUN
ajebi-4721	351	14	.	.	PUNCT
ajebi-4721	352	1	journal	journal	NOUN
ajebi-4721	352	2	of	of	ADP
ajebi-4721	352	3	government	government	NOUN
ajebi-4721	352	4	and	and	CCONJ
ajebi-4721	352	5	economics	economic	NOUN
ajebi-4721	352	6	,	,	PUNCT
ajebi-4721	352	7	8	8	NUM
ajebi-4721	352	8	,	,	PUNCT
ajebi-4721	352	9	100060	100060	NUM
ajebi-4721	352	10	.	.	PUNCT
ajebi-4721	353	1	https://doi.org/10.1016/j.jge	https://doi.org/10.1016/j.jge	NOUN
ajebi-4721	353	2	razorpay	razorpay	NOUN
ajebi-4721	353	3	.	.	PUNCT
ajebi-4721	354	1	(	(	PUNCT
ajebi-4721	354	2	2025	2025	NUM
ajebi-4721	354	3	)	)	PUNCT
ajebi-4721	354	4	.	.	PUNCT
ajebi-4721	355	1	digital	digital	ADJ
ajebi-4721	355	2	payments	payment	NOUN
ajebi-4721	355	3	in	in	ADP
ajebi-4721	355	4	india	india	PROPN
ajebi-4721	355	5	–	–	PUNCT
ajebi-4721	355	6	meaning	meaning	NOUN
ajebi-4721	355	7	,	,	PUNCT
ajebi-4721	355	8	types	type	NOUN
ajebi-4721	355	9	of	of	ADP
ajebi-4721	355	10	digital	digital	ADJ
ajebi-4721	355	11	payment	payment	NOUN
ajebi-4721	355	12	,	,	PUNCT
ajebi-4721	355	13	benefits	benefit	NOUN
ajebi-4721	355	14	&	&	CCONJ
ajebi-4721	355	15	how	how	SCONJ
ajebi-4721	355	16	do	do	AUX
ajebi-4721	355	17	they	they	PRON
ajebi-4721	355	18	work	work	VERB
ajebi-4721	355	19	?	?	PUNCT
ajebi-4721	356	1	https://	https://	PROPN
ajebi-4721	356	2	razorpay.com/learn/what-is-digital-payments/	razorpay.com/learn/what-is-digital-payments/	PROPN
ajebi-4721	356	3	reserve	reserve	PROPN
ajebi-4721	356	4	bank	bank	PROPN
ajebi-4721	356	5	of	of	ADP
ajebi-4721	356	6	australia	australia	PROPN
ajebi-4721	356	7	.	.	PUNCT
ajebi-4721	357	1	(	(	PUNCT
ajebi-4721	357	2	2014	2014	NUM
ajebi-4721	357	3	)	)	PUNCT
ajebi-4721	357	4	.	.	PUNCT
ajebi-4721	358	1	financial	financial	ADJ
ajebi-4721	358	2	system	system	NOUN
ajebi-4721	358	3	inquiry	inquiry	NOUN
ajebi-4721	358	4	.	.	PUNCT
ajebi-4721	359	1	https://www.rba.gov.au/publications/submissions/	https://www.rba.gov.au/publications/submissions/	VERB
ajebi-4721	359	2	financial	financial	ADJ
ajebi-4721	359	3	-	-	PUNCT
ajebi-4721	359	4	sector	sector	NOUN
ajebi-4721	359	5	/	/	SYM
ajebi-4721	359	6	financial	financial	ADJ
ajebi-4721	359	7	-	-	PUNCT
ajebi-4721	359	8	system	system	NOUN
ajebi-4721	359	9	-	-	PUNCT
ajebi-4721	359	10	inquiry-2014	inquiry-2014	NOUN
ajebi-4721	359	11	-	-	PUNCT
ajebi-4721	359	12	03/	03/	NOUN
ajebi-4721	359	13	pdf	pdf	NOUN
ajebi-4721	359	14	/	/	SYM
ajebi-4721	359	15	financial	financial	ADJ
ajebi-4721	359	16	-	-	PUNCT
ajebi-4721	359	17	system	system	NOUN
ajebi-4721	359	18	-	-	PUNCT
ajebi-4721	359	19	inquiry-2014	inquiry-2014	NOUN
ajebi-4721	359	20	-	-	PUNCT
ajebi-4721	359	21	03.pdf	03.pdf	PROPN
ajebi-4721	359	22	el	el	PROPN
ajebi-4721	359	23	-	-	PUNCT
ajebi-4721	359	24	naggar	naggar	NOUN
ajebi-4721	359	25	,	,	PUNCT
ajebi-4721	359	26	s.	s.	PROPN
ajebi-4721	359	27	(	(	PUNCT
ajebi-4721	359	28	1994	1994	NUM
ajebi-4721	359	29	)	)	PUNCT
ajebi-4721	359	30	.	.	PUNCT
ajebi-4721	360	1	financial	financial	ADJ
ajebi-4721	360	2	policies	policy	NOUN
ajebi-4721	360	3	and	and	CCONJ
ajebi-4721	360	4	capital	capital	NOUN
ajebi-4721	360	5	markets	market	NOUN
ajebi-4721	360	6	in	in	ADP
ajebi-4721	360	7	arab	arab	ADJ
ajebi-4721	360	8	countries	country	NOUN
ajebi-4721	360	9	.	.	PUNCT
ajebi-4721	361	1	international	international	ADJ
ajebi-4721	361	2	monetary	monetary	ADJ
ajebi-4721	361	3	fund	fund	NOUN
ajebi-4721	361	4	.	.	PUNCT
ajebi-4721	362	1	https://doi.org/10.5089/9781557754189.071	https://doi.org/10.5089/9781557754189.071	PROPN
ajebi-4721	362	2	schwab	schwab	PROPN
ajebi-4721	362	3	,	,	PUNCT
ajebi-4721	362	4	f.	f.	PROPN
ajebi-4721	362	5	,	,	PUNCT
ajebi-4721	362	6	&	&	CCONJ
ajebi-4721	362	7	guibaud	guibaud	PROPN
ajebi-4721	362	8	,	,	PUNCT
ajebi-4721	362	9	s.	s.	PROPN
ajebi-4721	362	10	(	(	PUNCT
ajebi-4721	362	11	2016	2016	NUM
ajebi-4721	362	12	)	)	PUNCT
ajebi-4721	362	13	.	.	PUNCT
ajebi-4721	363	1	the	the	DET
ajebi-4721	363	2	rise	rise	NOUN
ajebi-4721	363	3	of	of	ADP
ajebi-4721	363	4	banktech	banktech	NOUN
ajebi-4721	363	5	—	—	PUNCT
ajebi-4721	363	6	the	the	DET
ajebi-4721	363	7	beauty	beauty	NOUN
ajebi-4721	363	8	of	of	ADP
ajebi-4721	363	9	a	a	DET
ajebi-4721	363	10	hybrid	hybrid	ADJ
ajebi-4721	363	11	model	model	NOUN
ajebi-4721	363	12	for	for	ADP
ajebi-4721	363	13	banks	bank	NOUN
ajebi-4721	363	14	.	.	PUNCT
ajebi-4721	364	1	in	in	ADP
ajebi-4721	364	2	s.	s.	PROPN
ajebi-4721	364	3	chishti	chishti	PROPN
ajebi-4721	364	4	&	&	CCONJ
ajebi-4721	364	5	j.	j.	PROPN
ajebi-4721	364	6	barberis	barberis	PROPN
ajebi-4721	364	7	(	(	PUNCT
ajebi-4721	364	8	eds	eds	PROPN
ajebi-4721	364	9	.	.	PUNCT
ajebi-4721	364	10	)	)	PUNCT
ajebi-4721	364	11	,	,	PUNCT
ajebi-4721	364	12	the	the	DET
ajebi-4721	364	13	fintech	fintech	NOUN
ajebi-4721	364	14	book	book	NOUN
ajebi-4721	364	15	(	(	PUNCT
ajebi-4721	364	16	pp	pp	ADJ
ajebi-4721	364	17	.	.	PUNCT
ajebi-4721	364	18	245–247	245–247	NUM
ajebi-4721	364	19	)	)	PUNCT
ajebi-4721	364	20	.	.	PUNCT
ajebi-4721	365	1	wiley	wiley	PROPN
ajebi-4721	365	2	.	.	PUNCT
ajebi-4721	366	1	sun	sun	PROPN
ajebi-4721	366	2	,	,	PUNCT
ajebi-4721	366	3	y.	y.	PROPN
ajebi-4721	366	4	,	,	PUNCT
ajebi-4721	366	5	li	li	PROPN
ajebi-4721	366	6	,	,	PUNCT
ajebi-4721	366	7	s.	s.	PROPN
ajebi-4721	366	8	,	,	PUNCT
ajebi-4721	366	9	&	&	CCONJ
ajebi-4721	366	10	wang	wang	PROPN
ajebi-4721	366	11	,	,	PUNCT
ajebi-4721	366	12	r.	r.	PROPN
ajebi-4721	366	13	(	(	PUNCT
ajebi-4721	366	14	2023	2023	NUM
ajebi-4721	366	15	)	)	PUNCT
ajebi-4721	366	16	.	.	PUNCT
ajebi-4721	367	1	fintech	fintech	NOUN
ajebi-4721	367	2	:	:	PUNCT
ajebi-4721	367	3	from	from	ADP
ajebi-4721	367	4	budding	bud	VERB
ajebi-4721	367	5	to	to	ADP
ajebi-4721	367	6	explosion	explosion	NOUN
ajebi-4721	367	7	—	—	PUNCT
ajebi-4721	367	8	an	an	DET
ajebi-4721	367	9	overview	overview	NOUN
ajebi-4721	367	10	of	of	ADP
ajebi-4721	367	11	the	the	DET
ajebi-4721	367	12	current	current	ADJ
ajebi-4721	367	13	state	state	NOUN
ajebi-4721	367	14	of	of	ADP
ajebi-4721	367	15	research	research	NOUN
ajebi-4721	367	16	.	.	PUNCT
ajebi-4721	368	1	review	review	NOUN
ajebi-4721	368	2	of	of	ADP
ajebi-4721	368	3	managerial	managerial	ADJ
ajebi-4721	368	4	science	science	NOUN
ajebi-4721	368	5	,	,	PUNCT
ajebi-4721	368	6	17(3	17(3	NUM
ajebi-4721	368	7	)	)	PUNCT
ajebi-4721	368	8	,	,	PUNCT
ajebi-4721	368	9	715–755	715–755	NUM
ajebi-4721	368	10	.	.	PUNCT
ajebi-4721	369	1	the	the	DET
ajebi-4721	369	2	business	business	PROPN
ajebi-4721	369	3	&	&	CCONJ
ajebi-4721	369	4	management	management	PROPN
ajebi-4721	369	5	review	review	PROPN
ajebi-4721	369	6	.	.	PUNCT
ajebi-4721	370	1	(	(	PUNCT
ajebi-4721	370	2	2023	2023	NUM
ajebi-4721	370	3	)	)	PUNCT
ajebi-4721	370	4	.	.	PUNCT
ajebi-4721	371	1	the	the	DET
ajebi-4721	371	2	financial	financial	ADJ
ajebi-4721	371	3	sector	sector	NOUN
ajebi-4721	371	4	of	of	ADP
ajebi-4721	371	5	emerging	emerge	VERB
ajebi-4721	371	6	markets	market	NOUN
ajebi-4721	371	7	based	base	VERB
ajebi-4721	371	8	on	on	ADP
ajebi-4721	371	9	digital	digital	ADJ
ajebi-4721	371	10	technology	technology	NOUN
ajebi-4721	371	11	evolution	evolution	NOUN
ajebi-4721	371	12	in	in	ADP
ajebi-4721	371	13	the	the	DET
ajebi-4721	371	14	banking	banking	NOUN
ajebi-4721	371	15	sector	sector	NOUN
ajebi-4721	371	16	—	—	PUNCT
ajebi-4721	371	17	the	the	DET
ajebi-4721	371	18	ghanaian	ghanaian	ADJ
ajebi-4721	371	19	experience	experience	NOUN
ajebi-4721	371	20	.	.	PUNCT
ajebi-4721	372	1	the	the	DET
ajebi-4721	372	2	business	business	PROPN
ajebi-4721	372	3	&	&	CCONJ
ajebi-4721	372	4	management	management	PROPN
ajebi-4721	372	5	review	review	PROPN
ajebi-4721	372	6	,	,	PUNCT
ajebi-4721	372	7	14(3	14(3	NUM
ajebi-4721	372	8	)	)	PUNCT
ajebi-4721	372	9	.	.	PUNCT
ajebi-4721	373	1	https://doi.org/10.24052/bmr/	https://doi.org/10.24052/bmr/	PROPN
ajebi-4721	373	2	v14nu03	v14nu03	NOUN
ajebi-4721	373	3	/	/	SYM
ajebi-4721	373	4	art-11	art-11	NUM
ajebi-4721	373	5	tran	tran	NOUN
ajebi-4721	373	6	,	,	PUNCT
ajebi-4721	373	7	t.	t.	PROPN
ajebi-4721	373	8	k.	k.	PROPN
ajebi-4721	373	9	o.	o.	PROPN
ajebi-4721	373	10	,	,	PUNCT
ajebi-4721	373	11	le	le	X
ajebi-4721	373	12	,	,	PUNCT
ajebi-4721	373	13	t.	t.	PROPN
ajebi-4721	373	14	t.	t.	PROPN
ajebi-4721	373	15	v.	v.	PROPN
ajebi-4721	373	16	,	,	PUNCT
ajebi-4721	373	17	&	&	CCONJ
ajebi-4721	373	18	le	le	PROPN
ajebi-4721	373	19	,	,	PUNCT
ajebi-4721	373	20	q.	q.	PROPN
ajebi-4721	373	21	d.	d.	PROPN
ajebi-4721	373	22	(	(	PUNCT
ajebi-4721	373	23	2023	2023	NUM
ajebi-4721	373	24	)	)	PUNCT
ajebi-4721	373	25	.	.	PUNCT
ajebi-4721	374	1	relationship	relationship	NOUN
ajebi-4721	374	2	between	between	ADP
ajebi-4721	374	3	financial	financial	ADJ
ajebi-4721	374	4	inclusion	inclusion	NOUN
ajebi-4721	374	5	,	,	PUNCT
ajebi-4721	374	6	monetary	monetary	ADJ
ajebi-4721	374	7	policy	policy	NOUN
ajebi-4721	374	8	and	and	CCONJ
ajebi-4721	374	9	financial	financial	ADJ
ajebi-4721	374	10	stability	stability	NOUN
ajebi-4721	374	11	:	:	PUNCT
ajebi-4721	374	12	an	an	DET
ajebi-4721	374	13	analysis	analysis	NOUN
ajebi-4721	374	14	in	in	ADP
ajebi-4721	374	15	high	high	ADJ
ajebi-4721	374	16	financial	financial	ADJ
ajebi-4721	374	17	development	development	NOUN
ajebi-4721	374	18	and	and	CCONJ
ajebi-4721	374	19	low	low	ADJ
ajebi-4721	374	20	financial	financial	ADJ
ajebi-4721	374	21	development	development	NOUN
ajebi-4721	374	22	countries	country	NOUN
ajebi-4721	374	23	.	.	PUNCT
ajebi-4721	375	1	heliyon	heliyon	NOUN
ajebi-4721	375	2	,	,	PUNCT
ajebi-4721	375	3	9(6	9(6	NUM
ajebi-4721	375	4	)	)	PUNCT
ajebi-4721	375	5	,	,	PUNCT
ajebi-4721	375	6	e16647	e16647	NOUN
ajebi-4721	375	7	.	.	PUNCT
ajebi-4721	376	1	https://doi.org/10.1016/j	https://doi.org/10.1016/j	NOUN
ajebi-4721	376	2	.	.	PUNCT
ajebi-4721	377	1	heliyon.2023.e16647	heliyon.2023.e16647	PROPN
ajebi-4721	377	2	turner	turner	PROPN
ajebi-4721	377	3	,	,	PUNCT
ajebi-4721	377	4	r.	r.	PROPN
ajebi-4721	377	5	,	,	PUNCT
ajebi-4721	377	6	samaranayaka	samaranayaka	ADV
ajebi-4721	377	7	,	,	PUNCT
ajebi-4721	377	8	a.	a.	PROPN
ajebi-4721	377	9	,	,	PUNCT
ajebi-4721	377	10	&	&	CCONJ
ajebi-4721	377	11	cameron	cameron	PROPN
ajebi-4721	377	12	,	,	PUNCT
ajebi-4721	377	13	c.	c.	PROPN
ajebi-4721	377	14	(	(	PUNCT
ajebi-4721	377	15	2000	2000	NUM
ajebi-4721	377	16	)	)	PUNCT
ajebi-4721	377	17	.	.	PUNCT
ajebi-4721	378	1	parametric	parametric	ADJ
ajebi-4721	378	2	vs	vs	ADP
ajebi-4721	378	3	nonparametric	nonparametric	ADJ
ajebi-4721	378	4	statistical	statistical	ADJ
ajebi-4721	378	5	methods	method	NOUN
ajebi-4721	378	6	:	:	PUNCT
ajebi-4721	378	7	which	which	PRON
ajebi-4721	378	8	is	be	AUX
ajebi-4721	378	9	better	well	ADJ
ajebi-4721	378	10	,	,	PUNCT
ajebi-4721	378	11	and	and	CCONJ
ajebi-4721	378	12	why	why	SCONJ
ajebi-4721	378	13	?	?	PUNCT
ajebi-4721	379	1	the	the	DET
ajebi-4721	379	2	new	new	PROPN
ajebi-4721	379	3	zealand	zealand	PROPN
ajebi-4721	379	4	medical	medical	PROPN
ajebi-4721	379	5	student	student	NOUN
ajebi-4721	379	6	journal	journal	NOUN
ajebi-4721	379	7	.	.	PUNCT
ajebi-4721	380	1	https://nzmsj.scholasticahq.com/	https://nzmsj.scholasticahq.com/	NOUN
ajebi-4721	380	2	article/12577.pdf	article/12577.pdf	PROPN
ajebi-4721	380	3	u.s	u.s	PROPN
ajebi-4721	380	4	.	.	PROPN
ajebi-4721	380	5	department	department	PROPN
ajebi-4721	380	6	of	of	ADP
ajebi-4721	380	7	the	the	DET
ajebi-4721	380	8	treasury	treasury	NOUN
ajebi-4721	380	9	.	.	PUNCT
ajebi-4721	381	1	(	(	PUNCT
ajebi-4721	381	2	2023	2023	NUM
ajebi-4721	381	3	)	)	PUNCT
ajebi-4721	381	4	.	.	PUNCT
ajebi-4721	382	1	strengthening	strengthen	VERB
ajebi-4721	382	2	africa	africa	PROPN
ajebi-4721	382	3	’s	’s	PART
ajebi-4721	382	4	financial	financial	ADJ
ajebi-4721	382	5	sector	sector	NOUN
ajebi-4721	382	6	to	to	PART
ajebi-4721	382	7	promote	promote	VERB
ajebi-4721	382	8	growth	growth	NOUN
ajebi-4721	382	9	.	.	PUNCT
ajebi-4721	383	1	https://home	https://home	PROPN
ajebi-4721	383	2	.	.	PUNCT
ajebi-4721	383	3	treasury.gov/news/press-releases/kd3805	treasury.gov/news/press-releases/kd3805	PROPN
ajebi-4721	383	4	united	united	PROPN
ajebi-4721	383	5	nations	nations	PROPN
ajebi-4721	383	6	office	office	PROPN
ajebi-4721	383	7	for	for	ADP
ajebi-4721	383	8	disaster	disaster	NOUN
ajebi-4721	383	9	risk	risk	NOUN
ajebi-4721	383	10	reduction	reduction	NOUN
ajebi-4721	383	11	.	.	PUNCT
ajebi-4721	384	1	(	(	PUNCT
ajebi-4721	384	2	2017	2017	NUM
ajebi-4721	384	3	)	)	PUNCT
ajebi-4721	384	4	.	.	PUNCT
ajebi-4721	385	1	sendai	sendai	NOUN
ajebi-4721	385	2	framework	framework	NOUN
ajebi-4721	385	3	terminology	terminology	NOUN
ajebi-4721	385	4	on	on	ADP
ajebi-4721	385	5	disaster	disaster	NOUN
ajebi-4721	385	6	risk	risk	NOUN
ajebi-4721	385	7	reduction	reduction	NOUN
ajebi-4721	385	8	.	.	PUNCT
ajebi-4721	386	1	https://www.undrr.org/terminology/risktransfer	https://www.undrr.org/terminology/risktransfer	PROPN
ajebi-4721	386	2	weisbrod	weisbrod	NOUN
ajebi-4721	386	3	,	,	PUNCT
ajebi-4721	386	4	s.	s.	PROPN
ajebi-4721	386	5	r.	r.	PROPN
ajebi-4721	386	6	,	,	PUNCT
ajebi-4721	386	7	&	&	CCONJ
ajebi-4721	386	8	rojas	rojas	PROPN
ajebi-4721	386	9	-	-	PUNCT
ajebi-4721	386	10	suárez	suárez	PROPN
ajebi-4721	386	11	,	,	PUNCT
ajebi-4721	386	12	l.	l.	PROPN
ajebi-4721	386	13	(	(	PUNCT
ajebi-4721	386	14	1995	1995	NUM
ajebi-4721	386	15	)	)	PUNCT
ajebi-4721	386	16	.	.	PUNCT
ajebi-4721	387	1	financial	financial	ADJ
ajebi-4721	387	2	fragilities	fragility	NOUN
ajebi-4721	387	3	in	in	ADP
ajebi-4721	387	4	latin	latin	PROPN
ajebi-4721	387	5	america	america	PROPN
ajebi-4721	387	6	:	:	PUNCT
ajebi-4721	387	7	the	the	DET
ajebi-4721	387	8	1980s	1980	NOUN
ajebi-4721	387	9	and	and	CCONJ
ajebi-4721	387	10	1990s	1990	NOUN
ajebi-4721	387	11	.	.	PUNCT
ajebi-4721	388	1	international	international	ADJ
ajebi-4721	388	2	monetary	monetary	ADJ
ajebi-4721	388	3	fund	fund	NOUN
ajebi-4721	388	4	.	.	PUNCT
ajebi-4721	389	1	https://doi	https://doi	PROPN
ajebi-4721	389	2	.	.	PUNCT
ajebi-4721	389	3	org/10.5089/9781557755025.084	org/10.5089/9781557755025.084	PROPN
ajebi-4721	389	4	world	world	PROPN
ajebi-4721	389	5	bank	bank	PROPN
ajebi-4721	389	6	.	.	PUNCT
ajebi-4721	390	1	(	(	PUNCT
ajebi-4721	390	2	2016	2016	NUM
ajebi-4721	390	3	)	)	PUNCT
ajebi-4721	390	4	.	.	PUNCT
ajebi-4721	391	1	financial	financial	ADJ
ajebi-4721	391	2	development	development	NOUN
ajebi-4721	391	3	.	.	PUNCT
ajebi-4721	392	1	https://www	https://www	PROPN
ajebi-4721	392	2	.	.	PUNCT
ajebi-4721	393	1	worldbank.org/en/publication/gfdr/gfdr-2016/	worldbank.org/en/publication/gfdr/gfdr-2016/	NOUN
ajebi-4721	393	2	background	background	NOUN
ajebi-4721	393	3	/	/	SYM
ajebi-4721	393	4	financial	financial	ADJ
ajebi-4721	393	5	-	-	PUNCT
ajebi-4721	393	6	development	development	NOUN
ajebi-4721	393	7	xavier	xavier	NOUN
ajebi-4721	393	8	,	,	PUNCT
ajebi-4721	393	9	v.	v.	ADV
ajebi-4721	393	10	,	,	PUNCT
ajebi-4721	393	11	thierry	thierry	PROPN
ajebi-4721	393	12	,	,	PUNCT
ajebi-4721	393	13	f.	f.	PROPN
ajebi-4721	393	14	,	,	PUNCT
ajebi-4721	393	15	veldkamp	veldkamp	PROPN
ajebi-4721	393	16	,	,	PUNCT
ajebi-4721	393	17	l.	l.	PROPN
ajebi-4721	393	18	,	,	PUNCT
ajebi-4721	393	19	&	&	CCONJ
ajebi-4721	393	20	darrell	darrell	PROPN
ajebi-4721	393	21	,	,	PUNCT
ajebi-4721	393	22	d.	d.	PROPN
ajebi-4721	393	23	(	(	PUNCT
ajebi-4721	393	24	2022	2022	NUM
ajebi-4721	393	25	)	)	PUNCT
ajebi-4721	393	26	.	.	PUNCT
ajebi-4721	394	1	the	the	DET
ajebi-4721	394	2	impact	impact	NOUN
ajebi-4721	394	3	of	of	ADP
ajebi-4721	394	4	technology	technology	NOUN
ajebi-4721	394	5	on	on	ADP
ajebi-4721	394	6	finance	finance	NOUN
ajebi-4721	394	7	:	:	PUNCT
ajebi-4721	394	8	a	a	DET
ajebi-4721	394	9	new	new	ADJ
ajebi-4721	394	10	ebook	ebook	NOUN
ajebi-4721	394	11	.	.	PUNCT
ajebi-4721	395	1	cepr	cepr	ADJ
ajebi-4721	395	2	.	.	PUNCT
ajebi-4721	396	1	https://cepr.org/voxeu/columns/impacttechnology-finance-new-ebook	https://cepr.org/voxeu/columns/impacttechnology-finance-new-ebook	PROPN
ajebi-4721	396	2	xcube	xcube	PROPN
ajebi-4721	396	3	labs	labs	PROPN
ajebi-4721	396	4	.	.	PUNCT
ajebi-4721	397	1	(	(	PUNCT
ajebi-4721	397	2	2023	2023	NUM
ajebi-4721	397	3	)	)	PUNCT
ajebi-4721	397	4	.	.	PUNCT
ajebi-4721	398	1	how	how	SCONJ
ajebi-4721	398	2	the	the	DET
ajebi-4721	398	3	banking	banking	NOUN
ajebi-4721	398	4	and	and	CCONJ
ajebi-4721	398	5	finance	finance	NOUN
ajebi-4721	398	6	industry	industry	NOUN
ajebi-4721	398	7	is	be	AUX
ajebi-4721	398	8	transforming	transform	VERB
ajebi-4721	398	9	digitally	digitally	ADV
ajebi-4721	398	10	?	?	PUNCT
ajebi-4721	399	1	https://www.xcubelabs.com/	https://www.xcubelabs.com/	NOUN
ajebi-4721	399	2	blog	blog	PROPN
ajebi-4721	399	3	/	/	SYM
ajebi-4721	399	4	how	how	SCONJ
ajebi-4721	399	5	-	-	PUNCT
ajebi-4721	399	6	the	the	DET
ajebi-4721	399	7	-	-	PUNCT
ajebi-4721	399	8	banking	banking	NOUN
ajebi-4721	399	9	-	-	PUNCT
ajebi-4721	399	10	and	and	CCONJ
ajebi-4721	399	11	-	-	PUNCT
ajebi-4721	399	12	finance	finance	NOUN
ajebi-4721	399	13	-	-	PUNCT
ajebi-4721	399	14	industry	industry	NOUN
ajebi-4721	399	15	-	-	PUNCT
ajebi-4721	399	16	istransforming	istransforme	VERB
ajebi-4721	399	17	-	-	PUNCT
ajebi-4721	399	18	digitally/	digitally/	NUM
ajebi-4721	399	19	xu	xu	PROPN
ajebi-4721	399	20	,	,	PUNCT
ajebi-4721	399	21	h.	h.	PROPN
ajebi-4721	399	22	,	,	PUNCT
ajebi-4721	399	23	miao	miao	PROPN
ajebi-4721	399	24	,	,	PUNCT
ajebi-4721	399	25	w.	w.	PROPN
ajebi-4721	399	26	,	,	PUNCT
ajebi-4721	399	27	&	&	CCONJ
ajebi-4721	399	28	zhang	zhang	PROPN
ajebi-4721	399	29	,	,	PUNCT
ajebi-4721	399	30	s.	s.	PROPN
ajebi-4721	399	31	(	(	PUNCT
ajebi-4721	399	32	2024	2024	NUM
ajebi-4721	399	33	)	)	PUNCT
ajebi-4721	399	34	.	.	PUNCT
ajebi-4721	400	1	digital	digital	PROPN
ajebi-4721	400	2	technology	technology	NOUN
ajebi-4721	400	3	development	development	NOUN
ajebi-4721	400	4	and	and	CCONJ
ajebi-4721	400	5	systemic	systemic	ADJ
ajebi-4721	400	6	financial	financial	ADJ
ajebi-4721	400	7	risks	risk	NOUN
ajebi-4721	400	8	:	:	PUNCT
ajebi-4721	400	9	evidence	evidence	NOUN
ajebi-4721	400	10	from	from	ADP
ajebi-4721	400	11	22	22	NUM
ajebi-4721	400	12	countries	country	NOUN
ajebi-4721	400	13	.	.	PUNCT
ajebi-4721	401	1	borsa	borsa	PROPN
ajebi-4721	401	2	istanbul	istanbul	PROPN
ajebi-4721	401	3	review	review	PROPN
ajebi-4721	401	4	,	,	PUNCT
ajebi-4721	401	5	24(suppl	24(suppl	NUM
ajebi-4721	401	6	.	.	NOUN
ajebi-4721	401	7	2	2	NUM
ajebi-4721	401	8	)	)	PUNCT
ajebi-4721	401	9	,	,	PUNCT
ajebi-4721	401	10	1–9	1–9	PROPN
ajebi-4721	401	11	.	.	PUNCT
ajebi-4721	402	1	https://doi.org/10.1016/j.bir.2024.08.002	https://doi.org/10.1016/j.bir.2024.08.002	PROPN
ajebi-4721	402	2	yassine	yassine	PROPN
ajebi-4721	402	3	,	,	PUNCT
ajebi-4721	402	4	m.	m.	NOUN
ajebi-4721	402	5	,	,	PUNCT
ajebi-4721	402	6	zhang	zhang	PROPN
ajebi-4721	402	7	,	,	PUNCT
ajebi-4721	402	8	j.	j.	PROPN
ajebi-4721	402	9	,	,	PUNCT
ajebi-4721	402	10	&	&	CCONJ
ajebi-4721	402	11	hansali	hansali	PROPN
ajebi-4721	402	12	,	,	PUNCT
ajebi-4721	402	13	a.	a.	NOUN
ajebi-4721	402	14	(	(	PUNCT
ajebi-4721	402	15	2024	2024	NUM
ajebi-4721	402	16	)	)	PUNCT
ajebi-4721	402	17	.	.	PUNCT
ajebi-4721	403	1	advances	advance	NOUN
ajebi-4721	403	2	in	in	ADP
ajebi-4721	403	3	emerging	emerge	VERB
ajebi-4721	403	4	financial	financial	ADJ
ajebi-4721	403	5	technology	technology	NOUN
ajebi-4721	403	6	and	and	CCONJ
ajebi-4721	403	7	digital	digital	ADJ
ajebi-4721	403	8	money	money	NOUN
ajebi-4721	403	9	.	.	PUNCT
ajebi-4721	404	1	routledge	routledge	PROPN
ajebi-4721	404	2	.	.	PUNCT
ajebi-4721	405	1	https://doi.org/10.1201/9781032667478	https://doi.org/10.1201/9781032667478	PROPN
ajebi-4721	405	2	zahler	zahler	PROPN
ajebi-4721	405	3	,	,	PUNCT
ajebi-4721	405	4	r.	r.	PROPN
ajebi-4721	405	5	(	(	PUNCT
ajebi-4721	405	6	1999	1999	NUM
ajebi-4721	405	7	)	)	PUNCT
ajebi-4721	405	8	.	.	PUNCT
ajebi-4721	406	1	strengthening	strengthen	VERB
ajebi-4721	406	2	the	the	DET
ajebi-4721	406	3	financial	financial	ADJ
ajebi-4721	406	4	experience	experience	NOUN
ajebi-4721	406	5	in	in	ADP
ajebi-4721	406	6	less	less	ADJ
ajebi-4721	406	7	developed	developed	ADJ
ajebi-4721	406	8	countries	country	NOUN
ajebi-4721	406	9	:	:	PUNCT
ajebi-4721	406	10	the	the	DET
ajebi-4721	406	11	latin	latin	ADJ
ajebi-4721	406	12	american	american	ADJ
ajebi-4721	406	13	experience	experience	NOUN
ajebi-4721	406	14	.	.	PUNCT
ajebi-4721	407	1	bank	bank	PROPN
ajebi-4721	407	2	for	for	ADP
ajebi-4721	407	3	international	international	ADJ
ajebi-4721	407	4	settlements	settlement	NOUN
ajebi-4721	407	5	.	.	PUNCT
ajebi-4721	408	1	https://policycommons	https://policycommon	NOUN
ajebi-4721	408	2	.	.	PUNCT
ajebi-4721	409	1	net	net	ADJ
ajebi-4721	409	2	/	/	SYM
ajebi-4721	409	3	artifacts/3687600	artifacts/3687600	NOUN
ajebi-4721	409	4	/	/	SYM
ajebi-4721	409	5	strengthening	strengthen	VERB
ajebi-4721	409	6	-	-	PUNCT
ajebi-4721	409	7	the	the	DET
ajebi-4721	409	8	-	-	PUNCT
ajebi-4721	409	9	financialexperience	financialexperience	NOUN
ajebi-4721	409	10	-	-	PUNCT
ajebi-4721	409	11	in	in	ADP
ajebi-4721	409	12	-	-	PUNCT
ajebi-4721	409	13	less	less	ADV
ajebi-4721	409	14	-	-	PUNCT
ajebi-4721	409	15	developed	develop	VERB
ajebi-4721	409	16	-	-	PUNCT
ajebi-4721	409	17	countries/4493519/	countries/4493519/	ADJ
ajebi-4721	409	18	zhu	zhu	PROPN
ajebi-4721	409	19	,	,	PUNCT
ajebi-4721	409	20	y.	y.	PROPN
ajebi-4721	409	21	,	,	PUNCT
ajebi-4721	409	22	&	&	CCONJ
ajebi-4721	409	23	jin	jin	PROPN
ajebi-4721	409	24	,	,	PUNCT
ajebi-4721	409	25	s.	s.	PROPN
ajebi-4721	409	26	(	(	PUNCT
ajebi-4721	409	27	2023	2023	NUM
ajebi-4721	409	28	)	)	PUNCT
ajebi-4721	409	29	.	.	PUNCT
ajebi-4721	410	1	how	how	SCONJ
ajebi-4721	410	2	does	do	AUX
ajebi-4721	410	3	the	the	DET
ajebi-4721	410	4	digital	digital	ADJ
ajebi-4721	410	5	transformation	transformation	NOUN
ajebi-4721	410	6	of	of	ADP
ajebi-4721	410	7	banks	bank	NOUN
ajebi-4721	410	8	improve	improve	VERB
ajebi-4721	410	9	efficiency	efficiency	NOUN
ajebi-4721	410	10	and	and	CCONJ
ajebi-4721	410	11	environmental	environmental	ADJ
ajebi-4721	410	12	,	,	PUNCT
ajebi-4721	410	13	social	social	ADJ
ajebi-4721	410	14	,	,	PUNCT
ajebi-4721	410	15	and	and	CCONJ
ajebi-4721	410	16	governance	governance	NOUN
ajebi-4721	410	17	performance	performance	NOUN
ajebi-4721	410	18	?	?	PUNCT
ajebi-4721	411	1	systems	system	NOUN
ajebi-4721	411	2	,	,	PUNCT
ajebi-4721	411	3	11(7	11(7	NUM
ajebi-4721	411	4	)	)	PUNCT
ajebi-4721	411	5	,	,	PUNCT
ajebi-4721	411	6	328	328	NUM
ajebi-4721	411	7	.	.	PUNCT
ajebi-4721	412	1	https://doi.org/10.3390/	https://doi.org/10.3390/	PROPN
ajebi-4721	412	2	systems11070328	systems11070328	PROPN