id	sid	eid	entity	type
ajfti-4554	1	1	1	CARDINAL
ajfti-4554	1	2	81	CARDINAL
ajfti-4554	1	3	american journal of financial technology	ORG
ajfti-4554	2	1	ogunjide2	PERSON
ajfti-4554	2	2	c. ukatu2	PERSON
ajfti-4554	2	3	n. juwah3*	PERSON
ajfti-4554	2	4	s. oreoluwa4	PERSON
ajfti-4554	2	5	s. owoola-adebayo5	PERSON
ajfti-4554	2	6	3	CARDINAL
ajfti-4554	2	7	1, year 2025	DATE
ajfti-4554	2	8	2996-0975	DATE
ajfti-4554	2	9	https://doi.org/10.54536/ajfti.v3i1.4554	CARDINAL
ajfti-4554	2	10	march 15, 2025	DATE
ajfti-4554	2	11	april 21, 2025	DATE
ajfti-4554	2	12	june 25, 2025	DATE
ajfti-4554	6	1	uk	GPE
ajfti-4554	6	2	sweden	GPE
ajfti-4554	7	1	india	GPE
ajfti-4554	7	2	nigeria	GPE
ajfti-4554	11	1	1	CARDINAL
ajfti-4554	11	2	nigeria 2	ORG
ajfti-4554	11	3	sony interactive entertainment	ORG
ajfti-4554	11	4	detroit michigan	ORG
ajfti-4554	11	5	3	CARDINAL
ajfti-4554	11	6	northeastern university	ORG
ajfti-4554	11	7	portland	GPE
ajfti-4554	11	8	maine	GPE
ajfti-4554	11	9	usa 4	ORG
ajfti-4554	11	10	nexford university	ORG
ajfti-4554	11	11	washington dc	GPE
ajfti-4554	11	12	lagos state university	ORG
ajfti-4554	11	13	ojo lagos	ORG
ajfti-4554	11	14	nigeria	GPE
ajfti-4554	11	15	contactless	ORG
ajfti-4554	11	16	yang & hancke	ORG
ajfti-4554	11	17	2017	DATE
ajfti-4554	13	1	2024	DATE
ajfti-4554	14	1	2023	CARDINAL
ajfti-4554	15	1	onumadu & abroshan	ORG
ajfti-4554	15	2	2024	DATE
ajfti-4554	18	1	mogaji & nguyen	ORG
ajfti-4554	18	2	2024	DATE
ajfti-4554	19	1	2023	CARDINAL
ajfti-4554	21	1	2024	DATE
ajfti-4554	23	1	2024	DATE
ajfti-4554	24	1	onumadu & abroshan	ORG
ajfti-4554	24	2	2024	DATE
ajfti-4554	26	1	ge	ORG
ajfti-4554	26	2	82	CARDINAL
ajfti-4554	26	3	https://journals.e-palli.com/home/index.php/ajfti am	PERSON
ajfti-4554	27	1	j. financ	PERSON
ajfti-4554	28	1	technol	PERSON
ajfti-4554	28	2	innov	GPE
ajfti-4554	29	1	3(1	CARDINAL
ajfti-4554	29	2	81-88	DATE
ajfti-4554	29	3	2025	CARDINAL
ajfti-4554	29	4	1	CARDINAL
ajfti-4554	30	1	2	CARDINAL
ajfti-4554	31	1	3	CARDINAL
ajfti-4554	32	1	4	CARDINAL
ajfti-4554	33	1	1	CARDINAL
ajfti-4554	35	1	2	CARDINAL
ajfti-4554	36	1	3	CARDINAL
ajfti-4554	38	1	u.s.	GPE
ajfti-4554	38	2	u.k.	GPE
ajfti-4554	38	3	eu	ORG
ajfti-4554	38	4	india	GPE
ajfti-4554	38	5	nigeria	GPE
ajfti-4554	38	6	brazil	GPE
ajfti-4554	39	1	two	CARDINAL
ajfti-4554	41	1	mishra	ORG
ajfti-4554	41	2	jha, & gupta	ORG
ajfti-4554	41	3	2024	DATE
ajfti-4554	44	1	uk	GPE
ajfti-4554	44	2	sweden	GPE
ajfti-4554	44	3	2016	DATE
ajfti-4554	46	1	harkai	GPE
ajfti-4554	46	2	2024	DATE
ajfti-4554	47	1	europe	LOC
ajfti-4554	47	2	2	CARDINAL
ajfti-4554	48	1	first	ORDINAL
ajfti-4554	49	1	mohammed	PERSON
ajfti-4554	49	2	2025	DATE
ajfti-4554	50	1	india	GPE
ajfti-4554	50	2	upi	ORG
ajfti-4554	50	3	mishra et al.	PERSON
ajfti-4554	50	4	2024	DATE
ajfti-4554	52	1	2024	DATE
ajfti-4554	55	1	barroso & laborda	ORG
ajfti-4554	55	2	2022	CARDINAL
ajfti-4554	56	1	lathiya & wang	ORG
ajfti-4554	56	2	2021	DATE
ajfti-4554	59	1	2024	DATE
ajfti-4554	65	1	83	CARDINAL
ajfti-4554	65	2	https://journals.e-palli.com/home/index.php/ajfti am	PERSON
ajfti-4554	66	1	j. financ	PERSON
ajfti-4554	67	1	technol	PERSON
ajfti-4554	67	2	innov	GPE
ajfti-4554	68	1	3(1	CARDINAL
ajfti-4554	68	2	81-88	DATE
ajfti-4554	68	3	2025	CARDINAL
ajfti-4554	69	1	davis	ORG
ajfti-4554	69	2	1989	DATE
ajfti-4554	69	3	two	CARDINAL
ajfti-4554	69	4	ma & liu	ORG
ajfti-4554	69	5	, 2005	DATE
ajfti-4554	73	1	schorr	PERSON
ajfti-4554	73	2	2023	CARDINAL
ajfti-4554	76	1	martinez	GPE
ajfti-4554	76	2	solis, & chua	ORG
ajfti-4554	76	3	2022	CARDINAL
ajfti-4554	78	1	2015	DATE
ajfti-4554	79	1	marikyan &	ORG
ajfti-4554	79	2	2024	DATE
ajfti-4554	80	1	tam	ORG
ajfti-4554	83	1	scopus	ORG
ajfti-4554	85	1	between 2015 and 2025	CARDINAL
ajfti-4554	87	1	english	LANGUAGE
ajfti-4554	90	1	four	CARDINAL
ajfti-4554	93	1	second	ORDINAL
ajfti-4554	95	1	2015	CARDINAL
ajfti-4554	95	2	2025	CARDINAL
ajfti-4554	107	1	84	CARDINAL
ajfti-4554	108	1	j. financ	PERSON
ajfti-4554	109	1	technol	PERSON
ajfti-4554	109	2	innov	GPE
ajfti-4554	110	1	3(1	CARDINAL
ajfti-4554	110	2	81-88	DATE
ajfti-4554	110	3	2025	CARDINAL
ajfti-4554	112	1	bezhovski	GPE
ajfti-4554	112	2	2016	DATE
ajfti-4554	113	1	uk	GPE
ajfti-4554	113	2	sweden	GPE
ajfti-4554	114	1	zehra et al.	PERSON
ajfti-4554	114	2	2024	DATE
ajfti-4554	115	1	first	ORDINAL
ajfti-4554	116	1	mohammed	PERSON
ajfti-4554	116	2	2025	DATE
ajfti-4554	117	1	upi	ORG
ajfti-4554	117	2	india	GPE
ajfti-4554	117	3	mishra et al.	PERSON
ajfti-4554	117	4	2024	DATE
ajfti-4554	119	1	500	CARDINAL
ajfti-4554	119	2	one	CARDINAL
ajfti-4554	119	3	89	CARDINAL
ajfti-4554	119	4	south korean	NORP
ajfti-4554	119	5	that day	DATE
ajfti-4554	120	1	demir et al.	PERSON
ajfti-4554	120	2	2024	DATE
ajfti-4554	121	1	kumar	PERSON
ajfti-4554	121	2	2024	DATE
ajfti-4554	122	1	lathiya & wang	ORG
ajfti-4554	122	2	2021	DATE
ajfti-4554	122	3	harkai	ORG
ajfti-4554	122	4	2024	DATE
ajfti-4554	124	1	kumar	PERSON
ajfti-4554	124	2	2024	DATE
ajfti-4554	125	1	2024	DATE
ajfti-4554	128	1	schorr	PERSON
ajfti-4554	128	2	2023	CARDINAL
ajfti-4554	129	1	marikyan &	ORG
ajfti-4554	129	2	2024	DATE
ajfti-4554	134	1	karim et al.	ORG
ajfti-4554	134	2	2022	CARDINAL
ajfti-4554	135	1	2	CARDINAL
ajfti-4554	135	2	the european union	ORG
ajfti-4554	135	3	putrevu & mertzanis	ORG
ajfti-4554	135	4	2023	CARDINAL
ajfti-4554	138	1	2024	DATE
ajfti-4554	139	1	ahlawat & gour	ORG
ajfti-4554	139	2	2024	DATE
ajfti-4554	142	1	ferrari	ORG
ajfti-4554	142	2	2022	CARDINAL
ajfti-4554	144	1	2024	DATE
ajfti-4554	145	1	india	GPE
ajfti-4554	145	2	nigeria	GPE
ajfti-4554	145	3	nigeria	GPE
ajfti-4554	145	4	muhammed et al.	PERSON
ajfti-4554	145	5	2024	DATE
ajfti-4554	148	1	85	CARDINAL
ajfti-4554	148	2	https://journals.e-palli.com/home/index.php/ajfti am	PERSON
ajfti-4554	149	1	j. financ	PERSON
ajfti-4554	150	1	technol	PERSON
ajfti-4554	150	2	innov	GPE
ajfti-4554	151	1	3(1	CARDINAL
ajfti-4554	151	2	81-88	DATE
ajfti-4554	151	3	2025	DATE
ajfti-4554	152	1	mogaji & nguyen	ORG
ajfti-4554	152	2	2024	DATE
ajfti-4554	153	1	nigeria	GPE
ajfti-4554	153	2	2024	DATE
ajfti-4554	158	1	demir et al.	PERSON
ajfti-4554	158	2	2024	DATE
ajfti-4554	163	1	schorr	PERSON
ajfti-4554	163	2	2023	CARDINAL
ajfti-4554	167	1	blockchain	PERSON
ajfti-4554	167	2	blockchain	PERSON
ajfti-4554	167	3	demir et al.	PERSON
ajfti-4554	167	4	2024	DATE
ajfti-4554	168	1	three	CARDINAL
ajfti-4554	171	1	ferrari	ORG
ajfti-4554	171	2	2022	CARDINAL
ajfti-4554	173	1	2	CARDINAL
ajfti-4554	173	2	2024	CARDINAL
ajfti-4554	174	1	one	CARDINAL
ajfti-4554	174	2	2023	CARDINAL
ajfti-4554	177	1	uk	GPE
ajfti-4554	177	2	us	GPE
ajfti-4554	177	3	eu	ORG
ajfti-4554	177	4	australia	GPE
ajfti-4554	178	1	86	CARDINAL
ajfti-4554	178	2	https://journals.e-palli.com/home/index.php/ajfti am	PERSON
ajfti-4554	179	1	j. financ	PERSON
ajfti-4554	180	1	technol	PERSON
ajfti-4554	180	2	innov	GPE
ajfti-4554	181	1	3(1	CARDINAL
ajfti-4554	181	2	81-88	DATE
ajfti-4554	181	3	2025	CARDINAL
ajfti-4554	181	4	bezhovski	PERSON
ajfti-4554	181	5	2016	DATE
ajfti-4554	183	1	the european union’s	ORG
ajfti-4554	183	2	2	CARDINAL
ajfti-4554	183	3	harkai	GPE
ajfti-4554	183	4	2024	DATE
ajfti-4554	184	1	india	GPE
ajfti-4554	184	2	nigeria	GPE
ajfti-4554	184	3	brazil	GPE
ajfti-4554	186	1	mishra	PERSON
ajfti-4554	186	2	2024	DATE
ajfti-4554	186	3	upi	ORG
ajfti-4554	186	4	india	GPE
ajfti-4554	187	1	oyewole et al	PERSON
ajfti-4554	187	2	2024	DATE
ajfti-4554	188	1	the consumers (lathiya & wang	ORG
ajfti-4554	188	2	2021	DATE
ajfti-4554	190	1	marikyan &	ORG
ajfti-4554	190	2	2024	DATE
ajfti-4554	191	1	mohammed	ORG
ajfti-4554	191	2	2025	DATE
ajfti-4554	193	1	2015	DATE
ajfti-4554	202	1	psd2	NORP
ajfti-4554	206	1	digital financial services	ORG
ajfti-4554	211	1	87	CARDINAL
ajfti-4554	212	1	j. financ	PERSON
ajfti-4554	213	1	technol	PERSON
ajfti-4554	213	2	innov	GPE
ajfti-4554	214	1	3(1	CARDINAL
ajfti-4554	214	2	81-88	DATE
ajfti-4554	214	3	2025	CARDINAL
ajfti-4554	217	1	the european union’s	ORG
ajfti-4554	217	2	2	CARDINAL
ajfti-4554	224	1	m. g.	PERSON
ajfti-4554	224	2	dary, s. k., & domanban	PERSON
ajfti-4554	224	3	2024	CARDINAL
ajfti-4554	225	1	ghana	GPE
ajfti-4554	226	1	10(11	CARDINAL
ajfti-4554	228	1	heliyon.2024.e32302 ahlawat	PERSON
ajfti-4554	228	2	s., & gour	ORG
ajfti-4554	228	3	2024	CARDINAL
ajfti-4554	229	1	haryana	GPE
ajfti-4554	230	1	11(2	CARDINAL
ajfti-4554	231	1	2024	CARDINAL
ajfti-4554	233	1	beijing	GPE
ajfti-4554	233	2	15	CARDINAL
ajfti-4554	233	3	1268–1290	DATE
ajfti-4554	235	1	blr.2024.153076 barroso	PERSON
ajfti-4554	235	2	m., & laborda	ORG
ajfti-4554	235	3	j.	PERSON
ajfti-4554	235	4	2022	CARDINAL
ajfti-4554	237	1	2(2	CARDINAL
ajfti-4554	237	2	100028	DATE
ajfti-4554	237	3	z.	PERSON
ajfti-4554	237	4	2016	DATE
ajfti-4554	239	1	european journal of business and management	ORG
ajfti-4554	239	2	8(8	CARDINAL
ajfti-4554	239	3	127–136	CARDINAL
ajfti-4554	240	1	chatterjee	ORG
ajfti-4554	240	2	2024	CARDINAL
ajfti-4554	242	1	12	CARDINAL
ajfti-4554	242	2	25801–25814	CARDINAL
ajfti-4554	243	1	demir	PERSON
ajfti-4554	243	2	e.	PERSON
ajfti-4554	243	3	s., & saygılı	ORG
ajfti-4554	243	4	m.	PERSON
ajfti-4554	243	5	2024	DATE
ajfti-4554	245	1	10	CARDINAL
ajfti-4554	245	2	m.	PERSON
ajfti-4554	245	3	2024	CARDINAL
ajfti-4554	247	1	ssrn	PERSON
ajfti-4554	248	1	abstract=4748434	GPE
ajfti-4554	248	2	n., shannon	ORG
ajfti-4554	248	3	d., & ross	ORG
ajfti-4554	248	4	m.	PERSON
ajfti-4554	248	5	2015	DATE
ajfti-4554	250	1	11(2	CARDINAL
ajfti-4554	250	2	210–232	CARDINAL
ajfti-4554	250	3	ferrari	ORG
ajfti-4554	250	4	2022	CARDINAL
ajfti-4554	251	1	eu fintech agenda.	ORG
ajfti-4554	252	1	computer law & security	ORG
ajfti-4554	252	2	45, 105687	DATE
ajfti-4554	253	1	https://doi.org/10.1016/j.clsr.2022.105687	CARDINAL
ajfti-4554	253	2	harkai	GPE
ajfti-4554	253	3	a.	PERSON
ajfti-4554	253	4	2024	CARDINAL
ajfti-4554	255	1	procedia computer science	ORG
ajfti-4554	255	2	242	CARDINAL
ajfti-4554	255	3	200–210	CARDINAL
ajfti-4554	256	1	karim	GPE
ajfti-4554	256	2	m. w.	PERSON
ajfti-4554	256	3	chowdhury	PERSON
ajfti-4554	256	4	m. a. m.	PERSON
ajfti-4554	256	5	a. a.	PERSON
ajfti-4554	256	6	2022	CARDINAL
ajfti-4554	257	1	bangladesh	GPE
ajfti-4554	258	1	american journal of economics	ORG
ajfti-4554	258	2	1(1	CARDINAL
ajfti-4554	258	3	1-10	CARDINAL
ajfti-4554	259	1	khando	PERSON
ajfti-4554	259	2	k.	PERSON
ajfti-4554	259	3	islam	NORP
ajfti-4554	259	4	m. s.	PERSON
ajfti-4554	259	5	s.	PERSON
ajfti-4554	259	6	2023	CARDINAL
ajfti-4554	261	1	15(1	CARDINAL
ajfti-4554	261	2	21	DATE
ajfti-4554	262	1	fi15010021 kumar	PERSON
ajfti-4554	262	2	r.	NORP
ajfti-4554	262	3	2024	CARDINAL
ajfti-4554	263	1	india	GPE
ajfti-4554	265	1	j. econ	PERSON
ajfti-4554	267	1	innov	PERSON
ajfti-4554	267	2	3(1	CARDINAL
ajfti-4554	267	3	92-99	CARDINAL
ajfti-4554	267	4	lathiya	PERSON
ajfti-4554	267	5	j.	PERSON
ajfti-4554	267	6	2021	CARDINAL
ajfti-4554	268	1	wpt	ORG
ajfti-4554	271	1	https://doi.org/10.5772/intechopen.96345 ma	PERSON
ajfti-4554	271	2	& liu	PERSON
ajfti-4554	271	3	2005	DATE
ajfti-4554	275	1	d., & papagiannidis	ORG
ajfti-4554	275	2	s.	PERSON
ajfti-4554	275	3	2024	CARDINAL
ajfti-4554	277	1	s. papagiannidis	PERSON
ajfti-4554	277	2	ed	PERSON
ajfti-4554	278	1	newcastle university	ORG
ajfti-4554	279	1	mishra	PERSON
ajfti-4554	279	2	arjita & jha	ORG
ajfti-4554	279	3	gautam kumar & gupta	ORG
ajfti-4554	279	4	nidhi	GPE
ajfti-4554	280	1	2024	CARDINAL
ajfti-4554	281	1	india	GPE
ajfti-4554	282	1	international journal of research	ORG
ajfti-4554	282	2	5	CARDINAL
ajfti-4554	282	3	9365-9375	DATE
ajfti-4554	283	1	10.55248	CARDINAL
ajfti-4554	284	1	mogaji	PERSON
ajfti-4554	284	2	e., & nguyen	ORG
ajfti-4554	284	3	2024	CARDINAL
ajfti-4554	286	1	88	CARDINAL
ajfti-4554	286	2	https://journals.e-palli.com/home/index.php/ajfti am	PERSON
ajfti-4554	287	1	j. financ	PERSON
ajfti-4554	288	1	technol	PERSON
ajfti-4554	288	2	innov	GPE
ajfti-4554	289	1	3(1	CARDINAL
ajfti-4554	289	2	81-88	DATE
ajfti-4554	289	3	2025	CARDINAL
ajfti-4554	289	4	203	CARDINAL
ajfti-4554	289	5	123378	DATE
ajfti-4554	291	1	techfore.2024.123378 mohammed	PERSON
ajfti-4554	291	2	s. a.	PERSON
ajfti-4554	291	3	2025	DATE
ajfti-4554	292	1	upi	ORG
ajfti-4554	293	1	international journal of development research	ORG
ajfti-4554	293	2	14(12	CARDINAL
ajfti-4554	293	3	67138	DATE
ajfti-4554	294	1	muhammed, m.	PERSON
ajfti-4554	294	2	arinaitwe	PERSON
ajfti-4554	294	3	j.	PERSON
ajfti-4554	294	4	n., & matovu	ORG
ajfti-4554	294	5	k.	PERSON
ajfti-4554	294	6	2024	CARDINAL
ajfti-4554	295	1	airtel uganda	ORG
ajfti-4554	296	1	metropolitan journal of academic multidisciplinary research	ORG
ajfti-4554	296	2	3(10	CARDINAL
ajfti-4554	296	3	69–80	CARDINAL
ajfti-4554	297	1	h. g. e., & inocencio	PERSON
ajfti-4554	297	2	m. d.	PERSON
ajfti-4554	297	3	2023	CARDINAL
ajfti-4554	299	1	american journal of humanities	ORG
ajfti-4554	299	2	social sciences	ORG
ajfti-4554	299	3	7(9	CARDINAL
ajfti-4554	300	1	2024	CARDINAL
ajfti-4554	302	1	24(23	CARDINAL
ajfti-4554	302	2	7423	DATE
ajfti-4554	303	1	https://doi.org/10.3390/s24237423	CARDINAL
ajfti-4554	303	2	a. t.	PERSON
ajfti-4554	303	3	c. c.	PERSON
ajfti-4554	303	4	o. c., & ugochukwu	ORG
ajfti-4554	303	5	c. e.	PERSON
ajfti-4554	303	6	2024	CARDINAL
ajfti-4554	305	1	625–643	CARDINAL
ajfti-4554	306	1	park	GPE
ajfti-4554	306	2	m. c.	PERSON
ajfti-4554	306	3	i.	PERSON
ajfti-4554	306	4	magtoto	PERSON
ajfti-4554	306	5	t.	GPE
ajfti-4554	306	6	martinez	GPE
ajfti-4554	306	7	r.	NORP
ajfti-4554	306	8	solis	PERSON
ajfti-4554	306	9	j., & chua	ORG
ajfti-4554	306	10	2022	CARDINAL
ajfti-4554	307	1	philippines	GPE
ajfti-4554	308	1	american journal of economics	ORG
ajfti-4554	308	2	1(2	CARDINAL
ajfti-4554	308	3	23	CARDINAL
ajfti-4554	309	1	putrevu	ORG
ajfti-4554	309	2	j., & mertzanis	ORG
ajfti-4554	309	3	2023	CARDINAL
ajfti-4554	311	1	26(x	CARDINAL
ajfti-4554	311	2	schorr, a.	ORG
ajfti-4554	311	3	2023	CARDINAL
ajfti-4554	313	1	jain	GPE
ajfti-4554	313	2	b., & viswanathan	ORG
ajfti-4554	313	3	s. a.	PERSON
ajfti-4554	313	4	2024	CARDINAL
ajfti-4554	314	1	fintech	ORG
ajfti-4554	315	1	324	CARDINAL
ajfti-4554	316	1	jrfm17080324 yang	PERSON
ajfti-4554	316	2	a., & hancke	ORG
ajfti-4554	316	3	2017	CARDINAL
ajfti-4554	320	1	khan	GPE
ajfti-4554	320	2	f.	PERSON
ajfti-4554	320	3	s.	PERSON
ajfti-4554	320	4	n., haque	ORG
ajfti-4554	320	5	e., & singh	ORG
ajfti-4554	320	6	a.	PERSON
ajfti-4554	320	7	2024	CARDINAL
ajfti-4554	321	1	india	GPE
ajfti-4554	322	1	41	CARDINAL
ajfti-4554	322	2	158–167	DATE
ajfti-4554	323	1	ijerr.2024.v41spl.013	CARDINAL