id	sid	eid	entity	type
ajfti-2325	1	1	1	CARDINAL
ajfti-2325	1	2	35	CARDINAL
ajfti-2325	1	3	american journal of financial technology	ORG
ajfti-2325	1	4	nigeria	GPE
ajfti-2325	1	5	2012q1-2022q4	CARDINAL
ajfti-2325	1	6	jonathan oniore1	PERSON
ajfti-2325	1	7	princewill chisom ajaegbu1	PERSON
ajfti-2325	1	8	1	CARDINAL
ajfti-2325	1	9	1, year	DATE
ajfti-2325	1	10	2023	CARDINAL
ajfti-2325	1	11	november 25	DATE
ajfti-2325	1	12	2023	CARDINAL
ajfti-2325	1	13	december 23	DATE
ajfti-2325	1	14	2023	CARDINAL
ajfti-2325	1	15	december 26	DATE
ajfti-2325	1	16	2023	CARDINAL
ajfti-2325	1	17	the recent decade	DATE
ajfti-2325	1	18	nigeria	GPE
ajfti-2325	3	1	nigeria	GPE
ajfti-2325	3	2	2012q1	CARDINAL
ajfti-2325	3	3	2022q4	CARDINAL
ajfti-2325	4	1	three	CARDINAL
ajfti-2325	6	1	nigeria	GPE
ajfti-2325	17	1	fmols	ORG
ajfti-2325	17	2	jel	ORG
ajfti-2325	17	3	fintech	ORG
ajfti-2325	19	1	mckinsey & company	ORG
ajfti-2325	19	2	2018	DATE
ajfti-2325	19	3	$111 billion	MONEY
ajfti-2325	21	1	fintech	ORG
ajfti-2325	21	2	2017	DATE
ajfti-2325	22	1	$6.6 trillion	MONEY
ajfti-2325	22	2	2021	CARDINAL
ajfti-2325	22	3	2021	DATE
ajfti-2325	25	1	fintech	ORG
ajfti-2325	26	1	nigeria	GPE
ajfti-2325	27	1	nigerian	NORP
ajfti-2325	27	2	just a few million	CARDINAL
ajfti-2325	27	3	2012	DATE
ajfti-2325	27	4	over 1.5 billion	MONEY
ajfti-2325	27	5	83.89 trillion naira	MONEY
ajfti-2325	27	6	2019	DATE
ajfti-2325	27	7	2020	DATE
ajfti-2325	30	1	konga	PERSON
ajfti-2325	31	1	2020	DATE
ajfti-2325	31	2	nigerian	NORP
ajfti-2325	31	3	over $12 billion	MONEY
ajfti-2325	31	4	2019	DATE
ajfti-2325	32	1	nigeria	GPE
ajfti-2325	33	1	over 100 million	CARDINAL
ajfti-2325	33	2	nigerians	NORP
ajfti-2325	33	3	nigerian communications commission	ORG
ajfti-2325	33	4	2020	DATE
ajfti-2325	34	1	1	CARDINAL
ajfti-2325	34	2	bingham university	ORG
ajfti-2325	34	3	karu	ORG
ajfti-2325	34	4	nasarawa state	ORG
ajfti-2325	34	5	nigeria	GPE
ajfti-2325	35	1	pa ge	PERSON
ajfti-2325	35	2	36	CARDINAL
ajfti-2325	36	1	j. financ	PERSON
ajfti-2325	37	1	technol	PERSON
ajfti-2325	37	2	innov	GPE
ajfti-2325	38	1	1(1	CARDINAL
ajfti-2325	38	2	35-45	DATE
ajfti-2325	38	3	2023	CARDINAL
ajfti-2325	38	4	fintech	ORG
ajfti-2325	39	1	mtn	PERSON
ajfti-2325	40	1	the central bank of nigeria	ORG
ajfti-2325	40	2	a mere 2 billion naira	MONEY
ajfti-2325	40	3	2012	DATE
ajfti-2325	40	4	5 trillion naira	MONEY
ajfti-2325	40	5	2019	DATE
ajfti-2325	40	6	central bank of nigeria	ORG
ajfti-2325	40	7	2020	DATE
ajfti-2325	41	1	one	CARDINAL
ajfti-2325	43	1	nigeria	GPE
ajfti-2325	43	2	africa	LOC
ajfti-2325	43	3	the last decade	DATE
ajfti-2325	45	1	the world bank	ORG
ajfti-2325	45	2	2023	CARDINAL
ajfti-2325	45	3	nigeria	GPE
ajfti-2325	45	4	$445.12 billion	MONEY
ajfti-2325	45	5	2022	CARDINAL
ajfti-2325	45	6	nearly 200 million	CARDINAL
ajfti-2325	46	1	only about 60%	PERCENT
ajfti-2325	46	2	nigerian	NORP
ajfti-2325	46	3	2018	DATE
ajfti-2325	46	4	fintech	ORG
ajfti-2325	47	1	nigeria	GPE
ajfti-2325	47	2	africa	LOC
ajfti-2325	47	3	$450 billion	MONEY
ajfti-2325	47	4	around 2.2%	PERCENT
ajfti-2325	47	5	the last decade	DATE
ajfti-2325	47	6	2021	CARDINAL
ajfti-2325	48	1	2021	CARDINAL
ajfti-2325	48	2	3.40%	PERCENT
ajfti-2325	48	3	5.44%	PERCENT
ajfti-2325	48	4	2020	DATE
ajfti-2325	49	1	2020	DATE
ajfti-2325	49	2	-1.79%	PERCENT
ajfti-2325	49	3	4%	PERCENT
ajfti-2325	49	4	2019	DATE
ajfti-2325	50	1	nigeria	NORP
ajfti-2325	50	2	2019	DATE
ajfti-2325	50	3	2.21%	PERCENT
ajfti-2325	50	4	0.29%	PERCENT
ajfti-2325	50	5	2018	DATE
ajfti-2325	53	1	fintech	ORG
ajfti-2325	53	2	nigerian	NORP
ajfti-2325	53	3	nigeria	GPE
ajfti-2325	53	4	between 2012q1 and 2022q4	CARDINAL
ajfti-2325	54	1	i.	PERSON
ajfti-2325	54	2	nigeria ii	EVENT
ajfti-2325	55	1	nigeria	GPE
ajfti-2325	55	2	nigeria	GPE
ajfti-2325	56	1	nigeria	GPE
ajfti-2325	56	2	nigeria	GPE
ajfti-2325	56	3	nigeria	GPE
ajfti-2325	56	4	fintech	ORG
ajfti-2325	56	5	recent years	DATE
ajfti-2325	57	1	fintech	ORG
ajfti-2325	57	2	technologydriven	ORG
ajfti-2325	58	1	barberis	PERSON
ajfti-2325	58	2	buckley	PERSON
ajfti-2325	58	3	2016	DATE
ajfti-2325	59	1	fintech	ORG
ajfti-2325	62	1	zavolokina	GPE
ajfti-2325	62	2	dolata	GPE
ajfti-2325	62	3	2016	CARDINAL
ajfti-2325	62	4	fintech	ORG
ajfti-2325	64	1	fintech	ORG
ajfti-2325	65	1	lee	PERSON
ajfti-2325	65	2	2018	DATE
ajfti-2325	67	1	fintech	ORG
ajfti-2325	67	2	two	CARDINAL
ajfti-2325	68	1	2017	CARDINAL
ajfti-2325	71	1	37	CARDINAL
ajfti-2325	72	1	j. financ	PERSON
ajfti-2325	73	1	technol	PERSON
ajfti-2325	73	2	innov	GPE
ajfti-2325	74	1	1(1	CARDINAL
ajfti-2325	74	2	35-45	DATE
ajfti-2325	74	3	2023	CARDINAL
ajfti-2325	74	4	fintech	ORG
ajfti-2325	76	1	fintech	ORG
ajfti-2325	77	1	two	CARDINAL
ajfti-2325	78	1	hours	TIME
ajfti-2325	79	1	guo	PERSON
ajfti-2325	79	2	chen	PERSON
ajfti-2325	79	3	2016	DATE
ajfti-2325	79	4	seconds	TIME
ajfti-2325	80	1	hours	TIME
ajfti-2325	83	1	stahl	PERSON
ajfti-2325	83	2	whinston	GPE
ajfti-2325	83	3	2017	CARDINAL
ajfti-2325	84	1	$4.2 trillion	MONEY
ajfti-2325	84	2	2020	DATE
ajfti-2325	84	3	2021	CARDINAL
ajfti-2325	88	1	lyytinen	PERSON
ajfti-2325	90	1	2019	DATE
ajfti-2325	90	2	2 billion	CARDINAL
ajfti-2325	90	3	2020	DATE
ajfti-2325	93	1	one	CARDINAL
ajfti-2325	93	2	1956	DATE
ajfti-2325	95	1	lucas	PERSON
ajfti-2325	95	2	1988	DATE
ajfti-2325	98	1	barro	ORG
ajfti-2325	98	2	1991	DATE
ajfti-2325	100	1	robinson	PERSON
ajfti-2325	100	2	2012	DATE
ajfti-2325	105	1	everett rogers	PERSON
ajfti-2325	105	2	1962	DATE
ajfti-2325	106	1	fintech	ORG
ajfti-2325	107	1	rogers	PERSON
ajfti-2325	107	2	1962	DATE
ajfti-2325	107	3	38	CARDINAL
ajfti-2325	108	1	j. financ	PERSON
ajfti-2325	109	1	technol	PERSON
ajfti-2325	109	2	innov	GPE
ajfti-2325	110	1	1(1	CARDINAL
ajfti-2325	110	2	35-45	DATE
ajfti-2325	110	3	2023	CARDINAL
ajfti-2325	112	1	fintech	ORG
ajfti-2325	115	1	kenya	GPE
ajfti-2325	118	1	2016	DATE
ajfti-2325	119	1	2004	DATE
ajfti-2325	120	1	fintech	ORG
ajfti-2325	120	2	nigerian	NORP
ajfti-2325	121	1	nigeria	GPE
ajfti-2325	122	1	nigeria	GPE
ajfti-2325	123	1	fintech	ORG
ajfti-2325	123	2	nigeria	GPE
ajfti-2325	126	1	gurley	ORG
ajfti-2325	126	2	shaw	PERSON
ajfti-2325	126	3	1955	DATE
ajfti-2325	136	1	2016	DATE
ajfti-2325	137	1	2008	DATE
ajfti-2325	137	2	gorton & metrick	ORG
ajfti-2325	137	3	2012	DATE
ajfti-2325	138	1	nigeria	GPE
ajfti-2325	139	1	nigeria	GPE
ajfti-2325	141	1	nigeria	GPE
ajfti-2325	143	1	robert solow	PERSON
ajfti-2325	143	2	the 1950s	DATE
ajfti-2325	145	1	three	CARDINAL
ajfti-2325	147	1	solow	ORG
ajfti-2325	147	2	1956	DATE
ajfti-2325	150	1	39	CARDINAL
ajfti-2325	151	1	j. financ	PERSON
ajfti-2325	152	1	technol	PERSON
ajfti-2325	152	2	innov	GPE
ajfti-2325	153	1	1(1	CARDINAL
ajfti-2325	153	2	35-45	DATE
ajfti-2325	153	3	2023	CARDINAL
ajfti-2325	153	4	today	DATE
ajfti-2325	155	1	romer	PERSON
ajfti-2325	155	2	1986	DATE
ajfti-2325	155	3	1988	DATE
ajfti-2325	157	1	nigeria	GPE
ajfti-2325	159	1	nigeria	GPE
ajfti-2325	160	1	fintech	ORG
ajfti-2325	161	1	nigeria	GPE
ajfti-2325	162	1	2017	CARDINAL
ajfti-2325	162	2	nigeria	GPE
ajfti-2325	162	3	nigeria	GPE
ajfti-2325	163	1	2005	DATE
ajfti-2325	163	2	2016	DATE
ajfti-2325	167	1	nigerian	NORP
ajfti-2325	169	1	2018	DATE
ajfti-2325	170	1	nigeria	GPE
ajfti-2325	170	2	african	NORP
ajfti-2325	171	1	2005	DATE
ajfti-2325	171	2	2018	DATE
ajfti-2325	172	1	ikpefan	ORG
ajfti-2325	178	1	fintech	ORG
ajfti-2325	180	1	african	NORP
ajfti-2325	182	1	2017	CARDINAL
ajfti-2325	182	2	kenya	GPE
ajfti-2325	183	1	2010	DATE
ajfti-2325	183	2	2016	DATE
ajfti-2325	183	3	kenya	GPE
ajfti-2325	185	1	kenyan	NORP
ajfti-2325	188	1	patil	PERSON
ajfti-2325	188	2	kumar	PERSON
ajfti-2325	188	3	india	GPE
ajfti-2325	189	1	2012	DATE
ajfti-2325	189	2	2017	DATE
ajfti-2325	189	3	india	GPE
ajfti-2325	191	1	india	GPE
ajfti-2325	195	1	desalegn	ORG
ajfti-2325	195	2	2020	DATE
ajfti-2325	195	3	ethiopian	NORP
ajfti-2325	195	4	40	CARDINAL
ajfti-2325	196	1	j. financ	PERSON
ajfti-2325	197	1	technol	PERSON
ajfti-2325	197	2	innov	GPE
ajfti-2325	198	1	1(1	CARDINAL
ajfti-2325	198	2	35-45	DATE
ajfti-2325	198	3	2023	CARDINAL
ajfti-2325	198	4	ethiopia	GPE
ajfti-2325	199	1	2015 to 2019	DATE
ajfti-2325	204	1	ethiopia	GPE
ajfti-2325	205	1	kamau	PERSON
ajfti-2325	205	2	2016	CARDINAL
ajfti-2325	205	3	kenya	GPE
ajfti-2325	206	1	2010	DATE
ajfti-2325	206	2	2015	DATE
ajfti-2325	206	3	kenya	GPE
ajfti-2325	208	1	two	CARDINAL
ajfti-2325	210	1	singh	GPE
ajfti-2325	210	2	agrawal	ORG
ajfti-2325	210	3	2019	DATE
ajfti-2325	210	4	india	GPE
ajfti-2325	211	1	2014	DATE
ajfti-2325	211	2	2018	DATE
ajfti-2325	216	1	2021	CARDINAL
ajfti-2325	216	2	ethiopia	GPE
ajfti-2325	217	1	the years 2016 to 2020	DATE
ajfti-2325	219	1	ethiopia	GPE
ajfti-2325	223	1	kerlinger	ORG
ajfti-2325	223	2	1973	DATE
ajfti-2325	226	1	annual	DATE
ajfti-2325	226	2	secondary	ORDINAL
ajfti-2325	227	1	cbn	ORG
ajfti-2325	227	2	the national bureau of statistics	ORG
ajfti-2325	229	1	gayovwi	PERSON
ajfti-2325	229	2	2019	DATE
ajfti-2325	230	1	nigeria	GPE
ajfti-2325	230	2	itr	PERSON
ajfti-2325	230	3	mpt	ORG
ajfti-2325	230	4	1	CARDINAL
ajfti-2325	230	5	1	CARDINAL
ajfti-2325	230	6	itr +	PERSON
ajfti-2325	231	1	2	CARDINAL
ajfti-2325	232	1	rgdp =	PERSON
ajfti-2325	232	2	2	CARDINAL
ajfti-2325	232	3	3	CARDINAL
ajfti-2325	232	4	41	CARDINAL
ajfti-2325	233	1	j. financ	PERSON
ajfti-2325	234	1	technol	PERSON
ajfti-2325	234	2	innov	GPE
ajfti-2325	235	1	1(1	CARDINAL
ajfti-2325	235	2	35-45	DATE
ajfti-2325	235	3	2023	CARDINAL
ajfti-2325	237	1	nigeria	GPE
ajfti-2325	238	1	1	CARDINAL
ajfti-2325	238	2	three	CARDINAL
ajfti-2325	239	1	rgdp	ORG
ajfti-2325	240	1	nigeria	GPE
ajfti-2325	241	1	2	CARDINAL
ajfti-2325	242	1	fmols	ORG
ajfti-2325	245	1	fmols	ORG
ajfti-2325	245	2	1	CARDINAL
ajfti-2325	245	3	itr mpt	PERSON
ajfti-2325	245	4	2.386039 17792.59	MONEY
ajfti-2325	247	1	2.194305 13993.28	MONEY
ajfti-2325	247	2	73.83482 952.7098	CARDINAL
ajfti-2325	247	3	1.638418	MONEY
ajfti-2325	247	4	1.868649	CARDINAL
ajfti-2325	247	5	1.333829	CARDINAL
ajfti-2325	247	6	6.611496	MONEY
ajfti-2325	247	7	0.036672	MONEY
ajfti-2325	247	8	44	CARDINAL
ajfti-2325	247	9	44 44	DATE
ajfti-2325	247	10	2023	CARDINAL
ajfti-2325	247	11	2.386039%	PERCENT
ajfti-2325	248	1	17,792.59 billion naira	MONEY
ajfti-2325	249	1	mpt	ORG
ajfti-2325	249	2	837.7586 billion naira	MONEY
ajfti-2325	249	3	83.45523 billion naira	MONEY
ajfti-2325	251	1	rgdp	ORG
ajfti-2325	251	2	2.194305%	PERCENT
ajfti-2325	252	1	13,993.28 billion naira	MONEY
ajfti-2325	253	1	952.7098 billion naira	MONEY
ajfti-2325	253	2	73.83482 billion naira	MONEY
ajfti-2325	255	1	close to zero	CARDINAL
ajfti-2325	258	1	rgdp	GPE
ajfti-2325	258	2	less than 3	CARDINAL
ajfti-2325	260	1	rgdp	GPE
ajfti-2325	260	2	1.333829	CARDINAL
ajfti-2325	260	3	0.513290	GPE
ajfti-2325	260	4	rgdp	ORG
ajfti-2325	261	1	itr	PERSON
ajfti-2325	261	2	0.05	CARDINAL
ajfti-2325	261	3	0.108123	ORG
ajfti-2325	261	4	0.063984	CARDINAL
ajfti-2325	262	1	6.611496	CARDINAL
ajfti-2325	262	2	0.036672	MONEY
ajfti-2325	264	1	nigerian	NORP
ajfti-2325	266	1	42	CARDINAL
ajfti-2325	267	1	j. financ	PERSON
ajfti-2325	268	1	technol	PERSON
ajfti-2325	268	2	innov	GPE
ajfti-2325	269	1	1(1	CARDINAL
ajfti-2325	269	2	35-45	DATE
ajfti-2325	269	3	2023	CARDINAL
ajfti-2325	270	1	2	CARDINAL
ajfti-2325	272	1	2	CARDINAL
ajfti-2325	272	2	adf test statistics	ORG
ajfti-2325	274	1	1%	PERCENT
ajfti-2325	274	2	5% and 10%	PERCENT
ajfti-2325	274	3	2023	CARDINAL
ajfti-2325	274	4	5%	PERCENT
ajfti-2325	275	1	rgdp	GPE
ajfti-2325	275	2	first	ORDINAL
ajfti-2325	277	1	1%	PERCENT
ajfti-2325	278	1	first	ORDINAL
ajfti-2325	279	1	1%	PERCENT
ajfti-2325	280	1	first	ORDINAL
ajfti-2325	281	1	mpt	ORG
ajfti-2325	281	2	10%	PERCENT
ajfti-2325	282	1	mpt	ORG
ajfti-2325	282	2	first	ORDINAL
ajfti-2325	283	1	2	CARDINAL
ajfti-2325	283	2	first	ORDINAL
ajfti-2325	285	1	3	CARDINAL
ajfti-2325	287	1	3	CARDINAL
ajfti-2325	287	2	granger	PERSON
ajfti-2325	287	3	95%	PERCENT
ajfti-2325	287	4	1%	PERCENT
ajfti-2325	287	5	2023	CARDINAL
ajfti-2325	287	6	3	CARDINAL
ajfti-2325	287	7	granger	PERSON
ajfti-2325	287	8	1%	PERCENT
ajfti-2325	288	1	nigeria	GPE
ajfti-2325	289	1	fmols	ORG
ajfti-2325	289	2	nigeria	GPE
ajfti-2325	289	3	4	CARDINAL
ajfti-2325	289	4	rgdp	GPE
ajfti-2325	290	1	0.0016	CARDINAL
ajfti-2325	291	1	rgdp	GPE
ajfti-2325	292	1	rgdp	GPE
ajfti-2325	294	1	0.0016	CARDINAL
ajfti-2325	294	2	less than 0.05	CARDINAL
ajfti-2325	294	3	5%	PERCENT
ajfti-2325	294	4	nigeria	GPE
ajfti-2325	295	1	0.7707	CARDINAL
ajfti-2325	295	2	43	CARDINAL
ajfti-2325	296	1	j. financ	PERSON
ajfti-2325	297	1	technol	PERSON
ajfti-2325	297	2	innov	GPE
ajfti-2325	298	1	1(1	CARDINAL
ajfti-2325	298	2	35-45	DATE
ajfti-2325	298	3	2023	CARDINAL
ajfti-2325	298	4	0.0122	CARDINAL
ajfti-2325	300	1	nigeria	GPE
ajfti-2325	301	1	0.0122	CARDINAL
ajfti-2325	301	2	less than 0.05	CARDINAL
ajfti-2325	301	3	nigeria	GPE
ajfti-2325	302	1	2.5144	CARDINAL
ajfti-2325	302	2	0.0412	NORP
ajfti-2325	303	1	nigeria	GPE
ajfti-2325	304	1	nigeria	GPE
ajfti-2325	305	1	less than 0.05	MONEY
ajfti-2325	305	2	5%	PERCENT
ajfti-2325	305	3	nigeria	GPE
ajfti-2325	306	1	0.678682	CARDINAL
ajfti-2325	306	2	approximately 67.87%	PERCENT
ajfti-2325	308	1	7.3161	CARDINAL
ajfti-2325	308	2	0.0407	CARDINAL
ajfti-2325	309	1	less than 0.05	CARDINAL
ajfti-2325	309	2	5%	PERCENT
ajfti-2325	311	1	4	CARDINAL
ajfti-2325	311	2	rgdp	PERSON
ajfti-2325	311	3	1.6164	CARDINAL
ajfti-2325	311	4	0.0016	CARDINAL
ajfti-2325	312	1	0.7707 0.2728	CARDINAL
ajfti-2325	312	2	2.5144	CARDINAL
ajfti-2325	312	3	37.5433	CARDINAL
ajfti-2325	312	4	1.8627	MONEY
ajfti-2325	312	5	0.0000	CARDINAL
ajfti-2325	312	6	0.678682	CARDINAL
ajfti-2325	312	7	0.523196	CARDINAL
ajfti-2325	312	8	11.98656	CARDINAL
ajfti-2325	312	9	wald-f	ORG
ajfti-2325	312	10	7.3161 wald-f	PERSON
ajfti-2325	312	11	0.0407	CARDINAL
ajfti-2325	312	12	2023	CARDINAL
ajfti-2325	312	13	5	CARDINAL
ajfti-2325	313	1	2.189336 0.2592	CARDINAL
ajfti-2325	313	2	jarque-bera	ORG
ajfti-2325	313	3	2023	CARDINAL
ajfti-2325	315	1	2.189336	CARDINAL
ajfti-2325	315	2	0.2592	CARDINAL
ajfti-2325	316	1	0.05	CARDINAL
ajfti-2325	316	2	0.01	CARDINAL
ajfti-2325	320	1	3.592803	CARDINAL
ajfti-2325	320	2	0.1658	CARDINAL
ajfti-2325	321	1	44	CARDINAL
ajfti-2325	321	2	https://journals.e-palli.com/home/index.php/ajfti am	PERSON
ajfti-2325	322	1	j. financ	PERSON
ajfti-2325	323	1	technol	PERSON
ajfti-2325	323	2	innov	GPE
ajfti-2325	324	1	1(1	CARDINAL
ajfti-2325	324	2	35-45	DATE
ajfti-2325	324	3	2023	CARDINAL
ajfti-2325	325	1	5	CARDINAL
ajfti-2325	325	2	nigeria	GPE
ajfti-2325	326	1	fintech	ORG
ajfti-2325	326	2	nigeria	GPE
ajfti-2325	327	1	nigeria	GPE
ajfti-2325	329	1	one	CARDINAL
ajfti-2325	331	1	2017	CARDINAL
ajfti-2325	331	2	nigeria	GPE
ajfti-2325	332	1	nigeria	GPE
ajfti-2325	333	1	2018	DATE
ajfti-2325	334	1	african	NORP
ajfti-2325	336	1	nigeria	GPE
ajfti-2325	337	1	nigeria	GPE
ajfti-2325	338	1	one	CARDINAL
ajfti-2325	340	1	2017	CARDINAL
ajfti-2325	340	2	kenya	GPE
ajfti-2325	342	1	patil	PERSON
ajfti-2325	342	2	kumar	PERSON
ajfti-2325	342	3	2018	DATE
ajfti-2325	342	4	india	GPE
ajfti-2325	343	1	nigeria	GPE
ajfti-2325	344	1	nigerian	NORP
ajfti-2325	347	1	2016	DATE
ajfti-2325	347	2	kenya	GPE
ajfti-2325	348	1	kenyan	NORP
ajfti-2325	349	1	the past decade	DATE
ajfti-2325	349	2	nigeria	GPE
ajfti-2325	350	1	nigeria	GPE
ajfti-2325	350	2	between 2012q1 and 2022q4	CARDINAL
ajfti-2325	351	1	three	CARDINAL
ajfti-2325	351	2	nigeria	GPE
ajfti-2325	353	1	nigeria	GPE
ajfti-2325	355	1	nigeria	GPE
ajfti-2325	357	1	i.	PERSON
ajfti-2325	357	2	nigeria	GPE
ajfti-2325	358	1	45	CARDINAL
ajfti-2325	359	1	j. financ	PERSON
ajfti-2325	360	1	technol	PERSON
ajfti-2325	360	2	innov	GPE
ajfti-2325	361	1	1(1	CARDINAL
ajfti-2325	361	2	35-45	DATE
ajfti-2325	361	3	2023	CARDINAL
ajfti-2325	366	1	nigeria	GPE
ajfti-2325	367	1	two	CARDINAL
ajfti-2325	368	1	firstly	ORDINAL
ajfti-2325	369	1	secondly	ORDINAL
ajfti-2325	374	1	nigeria	GPE
ajfti-2325	375	1	d., & robinson	ORG
ajfti-2325	375	2	j. a.	PERSON
ajfti-2325	375	3	2012	DATE
ajfti-2325	378	1	arner	ORG
ajfti-2325	378	2	d. w.	PERSON
ajfti-2325	378	3	barberis	ORG
ajfti-2325	378	4	j., & buckley	ORG
ajfti-2325	378	5	r. p.	PERSON
ajfti-2325	378	6	2016	CARDINAL
ajfti-2325	379	1	fintech	ORG
ajfti-2325	380	1	georgetown journal of international law	ORG
ajfti-2325	380	2	47(4	CARDINAL
ajfti-2325	380	3	1271-1319	CARDINAL
ajfti-2325	381	1	barro	ORG
ajfti-2325	381	2	r. j.	PERSON
ajfti-2325	381	3	1991	DATE
ajfti-2325	383	1	quarterly	DATE
ajfti-2325	383	2	106(2	CARDINAL
ajfti-2325	383	3	407	CARDINAL
ajfti-2325	384	1	central bank of nigeria	ORG
ajfti-2325	385	1	2020	DATE
ajfti-2325	386	1	annual	DATE
ajfti-2325	387	1	choi	ORG
ajfti-2325	387	2	s. p.	PERSON
ajfti-2325	387	3	stahl	PERSON
ajfti-2325	387	4	& whinston	ORG
ajfti-2325	387	5	a. b.	PERSON
ajfti-2325	387	6	2017	CARDINAL
ajfti-2325	389	1	mack center	ORG
ajfti-2325	390	1	desalegn	GPE
ajfti-2325	390	2	t. l.	PERSON
ajfti-2325	390	3	2020	DATE
ajfti-2325	391	1	ethiopia	GPE
ajfti-2325	392	1	african	NORP
ajfti-2325	392	2	8(1	CARDINAL
ajfti-2325	392	3	13	CARDINAL
ajfti-2325	392	4	2018	DATE
ajfti-2325	393	1	nigeria 2018	EVENT
ajfti-2325	394	1	b. a.	PERSON
ajfti-2325	394	2	o. a.	PERSON
ajfti-2325	395	1	2018	DATE
ajfti-2325	396	1	africa	LOC
ajfti-2325	397	1	3(4	CARDINAL
ajfti-2325	397	2	45	CARDINAL
ajfti-2325	398	1	gorton	PERSON
ajfti-2325	398	2	a.	PERSON
ajfti-2325	398	3	2012	DATE
ajfti-2325	400	1	journal of financial economics	ORG
ajfti-2325	400	2	104(3	DATE
ajfti-2325	400	3	425	CARDINAL
ajfti-2325	401	1	greenhalgh	GPE
ajfti-2325	401	2	t.	GPE
ajfti-2325	401	3	robert, g.	PERSON
ajfti-2325	401	4	macfarlane	PERSON
ajfti-2325	401	5	f.	PERSON
ajfti-2325	401	6	2004	DATE
ajfti-2325	403	1	milbank	GPE
ajfti-2325	403	2	quarterly	DATE
ajfti-2325	403	3	581	CARDINAL
ajfti-2325	404	1	2020	DATE
ajfti-2325	406	1	gurley	PERSON
ajfti-2325	406	2	j. g.	PERSON
ajfti-2325	406	3	e. s.	PERSON
ajfti-2325	406	4	1955	DATE
ajfti-2325	408	1	american	NORP
ajfti-2325	408	2	45(4	DATE
ajfti-2325	408	3	515-538	CARDINAL
ajfti-2325	409	1	kamau	ORG
ajfti-2325	409	2	a., & waiganjo	ORG
ajfti-2325	409	3	e.	GPE
ajfti-2325	409	4	2016	DATE
ajfti-2325	410	1	kenya	GPE
ajfti-2325	411	1	kenyan journal of business	ORG
ajfti-2325	411	2	58-72	DATE
ajfti-2325	412	1	lee	PERSON
ajfti-2325	412	2	i., & shin	ORG
ajfti-2325	412	3	2018	DATE
ajfti-2325	414	1	61(1	CARDINAL
ajfti-2325	414	2	35	CARDINAL
ajfti-2325	415	1	r. e.	PERSON
ajfti-2325	415	2	1988	DATE
ajfti-2325	417	1	journal of monetary economics	ORG
ajfti-2325	417	2	22(1	TIME
ajfti-2325	417	3	3	CARDINAL
ajfti-2325	418	1	mckinsey & company	ORG
ajfti-2325	419	1	2018	DATE
ajfti-2325	421	1	j. k., & ouma	PERSON
ajfti-2325	421	2	c. a.	PERSON
ajfti-2325	421	3	2017	CARDINAL
ajfti-2325	422	1	kenya	GPE
ajfti-2325	423	1	journal of financial technology	ORG
ajfti-2325	423	2	2(3	CARDINAL
ajfti-2325	423	3	45	CARDINAL
ajfti-2325	424	1	nigerian communications commission	ORG
ajfti-2325	425	1	2020	DATE
ajfti-2325	427	1	nigerian inter-bank	ORG
ajfti-2325	428	1	2020	DATE
ajfti-2325	429	1	2019	DATE
ajfti-2325	430	1	o. c., & uche	ORG
ajfti-2325	430	2	2017	CARDINAL
ajfti-2325	431	1	nigeria	GPE
ajfti-2325	432	1	nigerian	NORP
ajfti-2325	432	2	22	CARDINAL
ajfti-2325	432	3	18-31	DATE
ajfti-2325	433	1	j., & lyytinen	ORG
ajfti-2325	433	2	2015	DATE
ajfti-2325	435	1	39(3	CARDINAL
ajfti-2325	435	2	221	CARDINAL
ajfti-2325	436	1	patil	NORP
ajfti-2325	436	2	s., & kumar	ORG
ajfti-2325	436	3	2018	DATE
ajfti-2325	437	1	india	GPE
ajfti-2325	438	1	indian journal of commerce	ORG
ajfti-2325	438	2	5(2	DATE
ajfti-2325	438	3	34	CARDINAL
ajfti-2325	439	1	phillips	PERSON
ajfti-2325	439	2	b. e.	PERSON
ajfti-2325	439	3	1990	DATE
ajfti-2325	441	1	57(1	DATE
ajfti-2325	441	2	99-125	CARDINAL
ajfti-2325	442	1	rogers	PERSON
ajfti-2325	442	2	e. m.	PERSON
ajfti-2325	442	3	1962	DATE
ajfti-2325	445	1	romer	PERSON
ajfti-2325	445	2	p. m.	PERSON
ajfti-2325	445	3	1986	DATE
ajfti-2325	447	1	1002	CARDINAL
ajfti-2325	448	1	2017	CARDINAL
ajfti-2325	449	1	fintech	ORG
ajfti-2325	450	1	4(4	CARDINAL
ajfti-2325	450	2	32	CARDINAL
ajfti-2325	451	1	singh	GPE
ajfti-2325	451	2	r., & agrawal	ORG
ajfti-2325	451	3	r.	NORP
ajfti-2325	451	4	2019	DATE
ajfti-2325	452	1	india	GPE
ajfti-2325	453	1	asian journal of financial markets	ORG
ajfti-2325	453	2	6(2	CARDINAL
ajfti-2325	453	3	34	CARDINAL
ajfti-2325	454	1	solow	ORG
ajfti-2325	454	2	r. m.	PERSON
ajfti-2325	454	3	1956	DATE
ajfti-2325	456	1	quarterly	DATE
ajfti-2325	456	2	70(1	CARDINAL
ajfti-2325	456	3	65-94	CARDINAL
ajfti-2325	457	1	2020	DATE
ajfti-2325	458	1	nigeria	GPE
ajfti-2325	459	1	2014-2019	DATE
ajfti-2325	460	1	2021	CARDINAL
ajfti-2325	461	1	2017	CARDINAL
ajfti-2325	461	2	2021	CARDINAL
ajfti-2325	462	1	https://www.statista.com	NORP
ajfti-2325	462	2	d., & tapscott	ORG
ajfti-2325	462	3	a.	PERSON
ajfti-2325	462	4	2016	DATE
ajfti-2325	465	1	a.	PERSON
ajfti-2325	465	2	2021	CARDINAL
ajfti-2325	466	1	ethiopia	GPE
ajfti-2325	467	1	ethiopian	NORP
ajfti-2325	467	2	4(1	CARDINAL
ajfti-2325	467	3	45	CARDINAL
ajfti-2325	468	1	wolfram	PERSON
ajfti-2325	468	2	w.	PERSON
ajfti-2325	468	3	2016	DATE
ajfti-2325	470	1	information systems journal	ORG
ajfti-2325	470	2	26(2	CARDINAL
ajfti-2325	470	3	119	CARDINAL
ajfti-2325	471	1	world bank	ORG
ajfti-2325	472	1	2020	DATE
ajfti-2325	473	1	nigeria	GPE
ajfti-2325	474	1	world bank	ORG
ajfti-2325	475	1	zavolokina	PERSON
ajfti-2325	475	2	l.	GPE
ajfti-2325	475	3	dolata	GPE
ajfti-2325	475	4	m., & schwabe	ORG
ajfti-2325	475	5	2016	CARDINAL
ajfti-2325	476	1	fintech	ORG
ajfti-2325	477	1	37th	ORDINAL
ajfti-2325	477	2	2016	DATE
ajfti-2325	477	3	dublin	GPE
ajfti-2325	477	4	ireland	GPE
ajfti-2325	478	1	b.	PERSON
ajfti-2325	478	2	& chen	PERSON
ajfti-2325	478	3	2016	CARDINAL
ajfti-2325	480	1	20	CARDINAL
ajfti-2325	480	2	141-150	CARDINAL