id	sid	eid	entity	type
ajfti-5653	1	1	1	CARDINAL
ajfti-5653	1	2	14 3	CARDINAL
ajfti-5653	1	3	american journal of financial technology	ORG
ajfti-5653	1	4	nigeria ajibola	GPE
ajfti-5653	1	5	hussein olamilekan1	PERSON
ajfti-5653	1	6	olakunle1	ORG
ajfti-5653	1	7	akinbode	PERSON
ajfti-5653	1	8	peter sunday2	PERSON
ajfti-5653	1	9	3	CARDINAL
ajfti-5653	1	10	1, year 2025	DATE
ajfti-5653	1	11	2996-0975	DATE
ajfti-5653	1	12	https://doi.org/10.54536/ajfti.v3i1.5653 https://journals.e-palli.com/home/index.php/ajfti article	ORG
ajfti-5653	1	13	july 05, 2025	DATE
ajfti-5653	1	14	august 08, 2025	DATE
ajfti-5653	1	15	september 10, 2025	DATE
ajfti-5653	1	16	these days	DATE
ajfti-5653	1	17	nigerian	NORP
ajfti-5653	2	1	one	CARDINAL
ajfti-5653	3	1	nigeria	GPE
ajfti-5653	5	1	ten	CARDINAL
ajfti-5653	5	2	14	CARDINAL
ajfti-5653	5	3	nigeria	GPE
ajfti-5653	5	4	the end of 2024	DATE
ajfti-5653	6	1	annual	DATE
ajfti-5653	6	2	2015–2024	CARDINAL
ajfti-5653	8	1	β=7.966379	DATE
ajfti-5653	8	2	0.0002	CARDINAL
ajfti-5653	8	3	0.0000	CARDINAL
ajfti-5653	8	4	nigerian	NORP
ajfti-5653	9	1	nigeria	GPE
ajfti-5653	10	1	nigerian	NORP
ajfti-5653	12	1	nigeria	GPE
ajfti-5653	14	1	olokoyo et al.	PERSON
ajfti-5653	14	2	2019	DATE
ajfti-5653	15	1	recent years	DATE
ajfti-5653	16	1	adebayo & okonkwo	ORG
ajfti-5653	16	2	2023	CARDINAL
ajfti-5653	18	1	ibrahim & oladele	ORG
ajfti-5653	18	2	2022	CARDINAL
ajfti-5653	20	1	2024	CARDINAL
ajfti-5653	22	1	today	DATE
ajfti-5653	22	2	nigerian	NORP
ajfti-5653	23	1	one	CARDINAL
ajfti-5653	25	1	adebayo	PERSON
ajfti-5653	25	2	2023	CARDINAL
ajfti-5653	26	1	nigeria	GPE
ajfti-5653	26	2	dmbs	ORG
ajfti-5653	26	3	nigeria	GPE
ajfti-5653	26	4	ezeani & udeh	ORG
ajfti-5653	26	5	2024	DATE
ajfti-5653	27	1	nigerian	NORP
ajfti-5653	28	1	1	CARDINAL
ajfti-5653	28	2	polytechnic ilaro	GPE
ajfti-5653	28	3	ogun state	GPE
ajfti-5653	28	4	nigeria	GPE
ajfti-5653	28	5	2	CARDINAL
ajfti-5653	28	6	crown heritage college of health technology	ORG
ajfti-5653	28	7	ilaro	GPE
ajfti-5653	28	8	ogun state	GPE
ajfti-5653	28	9	nigeria	GPE
ajfti-5653	29	1	14 4	DATE
ajfti-5653	30	1	j. financ	PERSON
ajfti-5653	31	1	technol	PERSON
ajfti-5653	31	2	innov	GPE
ajfti-5653	32	1	3(1	CARDINAL
ajfti-5653	32	2	143	CARDINAL
ajfti-5653	32	3	2025	DATE
ajfti-5653	32	4	nigerian	NORP
ajfti-5653	33	1	nwachukwu	ORG
ajfti-5653	33	2	hassan	PERSON
ajfti-5653	33	3	2025	DATE
ajfti-5653	34	1	nigeria	GPE
ajfti-5653	36	1	2023	CARDINAL
ajfti-5653	36	2	nigerian	NORP
ajfti-5653	37	1	2024	CARDINAL
ajfti-5653	39	1	2024	CARDINAL
ajfti-5653	39	2	ofurum & obi	ORG
ajfti-5653	39	3	2024	CARDINAL
ajfti-5653	39	4	akadi &	ORG
ajfti-5653	39	5	2024	CARDINAL
ajfti-5653	40	1	2024	CARDINAL
ajfti-5653	41	1	2024	CARDINAL
ajfti-5653	42	1	2023	CARDINAL
ajfti-5653	42	2	2023	CARDINAL
ajfti-5653	42	3	2023	CARDINAL
ajfti-5653	42	4	2023	CARDINAL
ajfti-5653	42	5	peters &	ORG
ajfti-5653	42	6	fred horsfall	PERSON
ajfti-5653	42	7	2023	CARDINAL
ajfti-5653	42	8	oyewobi & adeyemi	ORG
ajfti-5653	42	9	2023	CARDINAL
ajfti-5653	42	10	2024	CARDINAL
ajfti-5653	42	11	2024	CARDINAL
ajfti-5653	42	12	agaji	PERSON
ajfti-5653	42	13	2023	CARDINAL
ajfti-5653	42	14	odukwu et al	PERSON
ajfti-5653	42	15	2023	CARDINAL
ajfti-5653	44	1	nigerian	NORP
ajfti-5653	45	1	i.	PERSON
ajfti-5653	45	2	nigerian	NORP
ajfti-5653	47	1	nigerian	NORP
ajfti-5653	49	1	2019	DATE
ajfti-5653	50	1	one	CARDINAL
ajfti-5653	51	1	2018	DATE
ajfti-5653	52	1	folajimi et al.	PERSON
ajfti-5653	52	2	2020	DATE
ajfti-5653	56	1	2017	CARDINAL
ajfti-5653	58	1	al	ORG
ajfti-5653	59	1	2018	DATE
ajfti-5653	59	2	nigerian	NORP
ajfti-5653	60	1	oladipupo and okafor	ORG
ajfti-5653	60	2	2017	CARDINAL
ajfti-5653	66	1	khrawish	NORP
ajfti-5653	66	2	2017	DATE
ajfti-5653	67	1	sehrish et al	NORP
ajfti-5653	68	1	2019	DATE
ajfti-5653	71	1	bentum	ORG
ajfti-5653	71	2	2020	DATE
ajfti-5653	72	1	dimitriu & matei	ORG
ajfti-5653	72	2	2015	DATE
ajfti-5653	73	1	christauskas & miseviciene	ORG
ajfti-5653	73	2	2022	CARDINAL
ajfti-5653	74	1	recent years	DATE
ajfti-5653	74	2	ionescu	GPE
ajfti-5653	74	3	2019	DATE
ajfti-5653	74	4	wattana viriyasitavat & hoonsopon	ORG
ajfti-5653	74	5	2019	DATE
ajfti-5653	74	6	al.	PERSON
ajfti-5653	74	7	2019	DATE
ajfti-5653	74	8	yoon	PERSON
ajfti-5653	74	9	2020	DATE
ajfti-5653	76	1	14 5	DATE
ajfti-5653	77	1	j. financ	PERSON
ajfti-5653	78	1	technol	PERSON
ajfti-5653	78	2	innov	GPE
ajfti-5653	79	1	3(1	CARDINAL
ajfti-5653	79	2	143	CARDINAL
ajfti-5653	79	3	2025	CARDINAL
ajfti-5653	79	4	adebayo & okonkwo	ORG
ajfti-5653	79	5	2023	CARDINAL
ajfti-5653	80	1	ionescu	ORG
ajfti-5653	80	2	2019	DATE
ajfti-5653	82	1	2017	DATE
ajfti-5653	84	1	ibrahim & oladele	ORG
ajfti-5653	84	2	2022	CARDINAL
ajfti-5653	86	1	monthly	DATE
ajfti-5653	86	2	yearly	DATE
ajfti-5653	87	1	one	CARDINAL
ajfti-5653	87	2	okoye & ofoegbu	ORG
ajfti-5653	87	3	2023	CARDINAL
ajfti-5653	88	1	nigerian	NORP
ajfti-5653	91	1	xero	ORG
ajfti-5653	91	2	2024	DATE
ajfti-5653	95	1	two	CARDINAL
ajfti-5653	95	2	2022	CARDINAL
ajfti-5653	98	1	2022	CARDINAL
ajfti-5653	101	1	2024	CARDINAL
ajfti-5653	102	1	nigerian	NORP
ajfti-5653	104	1	abubakar & bala	ORG
ajfti-5653	104	2	2023	CARDINAL
ajfti-5653	105	1	1	CARDINAL
ajfti-5653	105	2	2025	DATE
ajfti-5653	105	3	14 6 https://journals.e-palli.com/home/index.php/ajfti am	TIME
ajfti-5653	106	1	j. financ	PERSON
ajfti-5653	107	1	technol	PERSON
ajfti-5653	107	2	innov	GPE
ajfti-5653	108	1	3(1	CARDINAL
ajfti-5653	108	2	143	CARDINAL
ajfti-5653	108	3	2025	CARDINAL
ajfti-5653	108	4	1986	DATE
ajfti-5653	108	5	fred davis	PERSON
ajfti-5653	108	6	1989	DATE
ajfti-5653	110	1	two	CARDINAL
ajfti-5653	113	1	davis	ORG
ajfti-5653	113	2	1989	DATE
ajfti-5653	115	1	davis	PERSON
ajfti-5653	115	2	2020	DATE
ajfti-5653	118	1	2022	CARDINAL
ajfti-5653	118	2	nigerian	NORP
ajfti-5653	119	1	abubakar	PERSON
ajfti-5653	119	2	bala	PERSON
ajfti-5653	119	3	2023	CARDINAL
ajfti-5653	120	1	the years	DATE
ajfti-5653	121	1	one	CARDINAL
ajfti-5653	122	1	2017	CARDINAL
ajfti-5653	123	1	2023	CARDINAL
ajfti-5653	127	1	2025	DATE
ajfti-5653	130	1	nigeria	GPE
ajfti-5653	131	1	everett rogers	PERSON
ajfti-5653	131	2	1962	DATE
ajfti-5653	133	1	rogers	PERSON
ajfti-5653	133	2	2003	DATE
ajfti-5653	133	3	five	CARDINAL
ajfti-5653	135	1	hassan	PERSON
ajfti-5653	135	2	2023	CARDINAL
ajfti-5653	135	3	nigerian	NORP
ajfti-5653	137	1	2022	CARDINAL
ajfti-5653	140	1	lyytinen	PERSON
ajfti-5653	140	2	2001	DATE
ajfti-5653	142	1	first	ORDINAL
ajfti-5653	143	1	hassan	PERSON
ajfti-5653	143	2	2023	CARDINAL
ajfti-5653	144	1	14 7	DATE
ajfti-5653	145	1	j. financ	PERSON
ajfti-5653	146	1	technol	PERSON
ajfti-5653	146	2	innov	GPE
ajfti-5653	147	1	3(1	CARDINAL
ajfti-5653	147	2	143	CARDINAL
ajfti-5653	147	3	2025	CARDINAL
ajfti-5653	148	1	2025	DATE
ajfti-5653	148	2	nigeria	GPE
ajfti-5653	149	1	two	CARDINAL
ajfti-5653	150	1	secondary	ORDINAL
ajfti-5653	150	2	five	CARDINAL
ajfti-5653	150	3	ten-year	DATE
ajfti-5653	150	4	2014–2023	CARDINAL
ajfti-5653	152	1	0.0056	CARDINAL
ajfti-5653	155	1	1	CARDINAL
ajfti-5653	155	2	nigeria	GPE
ajfti-5653	156	1	2024	CARDINAL
ajfti-5653	159	1	pls	NORP
ajfti-5653	159	2	4.0	CARDINAL
ajfti-5653	163	1	nigerian	NORP
ajfti-5653	163	2	2024	CARDINAL
ajfti-5653	165	1	secondary	ORDINAL
ajfti-5653	165	2	15	CARDINAL
ajfti-5653	165	3	between 2013 and	DATE
ajfti-5653	165	4	2022	CARDINAL
ajfti-5653	168	1	nigerian	NORP
ajfti-5653	169	1	2024	CARDINAL
ajfti-5653	169	2	harcourt	GPE
ajfti-5653	172	1	pearson	PERSON
ajfti-5653	176	1	2024	CARDINAL
ajfti-5653	176	2	nigerian	NORP
ajfti-5653	177	1	two	CARDINAL
ajfti-5653	178	1	five	CARDINAL
ajfti-5653	178	2	11-year	DATE
ajfti-5653	178	3	2012	DATE
ajfti-5653	178	4	2022	CARDINAL
ajfti-5653	179	1	9.0	CARDINAL
ajfti-5653	182	1	dedire	PERSON
ajfti-5653	182	2	2024	CARDINAL
ajfti-5653	182	3	nigerian	NORP
ajfti-5653	183	1	three	CARDINAL
ajfti-5653	183	2	mls	ORG
ajfti-5653	184	1	ten	CARDINAL
ajfti-5653	185	1	dlm	PERSON
ajfti-5653	185	2	mls	ORG
ajfti-5653	187	1	2024	CARDINAL
ajfti-5653	187	2	nigerian	NORP
ajfti-5653	188	1	14 8 https://journals.e-palli.com/home/index.php/ajfti am	TIME
ajfti-5653	189	1	j. financ	PERSON
ajfti-5653	190	1	technol	PERSON
ajfti-5653	190	2	innov	GPE
ajfti-5653	191	1	3(1	CARDINAL
ajfti-5653	191	2	143	CARDINAL
ajfti-5653	191	3	2025	CARDINAL
ajfti-5653	191	4	two	CARDINAL
ajfti-5653	193	1	38	CARDINAL
ajfti-5653	193	2	nigeria	GPE
ajfti-5653	194	1	thirty-four	CARDINAL
ajfti-5653	194	2	only twenty	CARDINAL
ajfti-5653	195	1	300	CARDINAL
ajfti-5653	195	2	279	CARDINAL
ajfti-5653	197	1	56.20%	PERCENT
ajfti-5653	197	2	55.70%	PERCENT
ajfti-5653	198	1	ozondu et al	PERSON
ajfti-5653	199	1	2024	CARDINAL
ajfti-5653	199	2	nigerian	NORP
ajfti-5653	201	1	nigerian	NORP
ajfti-5653	203	1	nigerian	NORP
ajfti-5653	204	1	nigerian	NORP
ajfti-5653	204	2	2023	CARDINAL
ajfti-5653	205	1	three	CARDINAL
ajfti-5653	208	1	20	CARDINAL
ajfti-5653	208	2	between 2010	DATE
ajfti-5653	208	3	2022	CARDINAL
ajfti-5653	210	1	saas	PERSON
ajfti-5653	212	1	akai et al	PRODUCT
ajfti-5653	212	2	2023	CARDINAL
ajfti-5653	212	3	nigerian	NORP
ajfti-5653	214	1	212	CARDINAL
ajfti-5653	217	1	saas	ORG
ajfti-5653	218	1	nigerian	NORP
ajfti-5653	218	2	beredugo	ORG
ajfti-5653	218	3	2023	CARDINAL
ajfti-5653	219	1	385	CARDINAL
ajfti-5653	219	2	32	CARDINAL
ajfti-5653	219	3	four	CARDINAL
ajfti-5653	219	4	nigerian	NORP
ajfti-5653	223	1	nigerian	NORP
ajfti-5653	224	1	kpan et al	PERSON
ajfti-5653	225	1	2023	CARDINAL
ajfti-5653	225	2	nigerian	NORP
ajfti-5653	230	1	0.809	CARDINAL
ajfti-5653	230	2	0.05	CARDINAL
ajfti-5653	230	3	0.647	CARDINAL
ajfti-5653	230	4	0.05	CARDINAL
ajfti-5653	230	5	0.828	CARDINAL
ajfti-5653	230	6	0.05	CARDINAL
ajfti-5653	231	1	omar et al	PERSON
ajfti-5653	231	2	2023	CARDINAL
ajfti-5653	233	1	14 9	TIME
ajfti-5653	233	2	j. financ	PERSON
ajfti-5653	233	3	technol	PERSON
ajfti-5653	233	4	innov	GPE
ajfti-5653	234	1	3(1	CARDINAL
ajfti-5653	234	2	143	CARDINAL
ajfti-5653	234	3	2025	CARDINAL
ajfti-5653	235	1	nigerian	NORP
ajfti-5653	236	1	nigerian	NORP
ajfti-5653	236	2	nigeria	GPE
ajfti-5653	238	1	fleetwood	ORG
ajfti-5653	238	2	2023	CARDINAL
ajfti-5653	239	1	annual	DATE
ajfti-5653	239	2	ten	CARDINAL
ajfti-5653	239	3	nigerian	NORP
ajfti-5653	240	1	first	ORDINAL
ajfti-5653	241	1	gtb plc	ORG
ajfti-5653	241	2	stanbic ibtc plc	ORG
ajfti-5653	241	3	access bank plc	ORG
ajfti-5653	241	4	fcmb plc	ORG
ajfti-5653	241	5	fidelity bank plc	ORG
ajfti-5653	241	6	sterling bank plc	ORG
ajfti-5653	241	7	uba plc	ORG
ajfti-5653	242	1	ten	CARDINAL
ajfti-5653	242	2	10) years	DATE
ajfti-5653	242	3	2015	DATE
ajfti-5653	242	4	2024	CARDINAL
ajfti-5653	247	1	f(swc	ORG
ajfti-5653	247	2	trc	GPE
ajfti-5653	252	1	nigerian	NORP
ajfti-5653	252	2	2022	CARDINAL
ajfti-5653	253	1	secondary	ORDINAL
ajfti-5653	257	1	nigerian	NORP
ajfti-5653	258	1	nigerian	NORP
ajfti-5653	258	2	2021	CARDINAL
ajfti-5653	260	1	years 2009–2012	DATE
ajfti-5653	260	2	2013–2016	CARDINAL
ajfti-5653	261	1	yearly	DATE
ajfti-5653	261	2	six	CARDINAL
ajfti-5653	262	1	roe	PRODUCT
ajfti-5653	265	1	egbe	PERSON
ajfti-5653	265	2	2020	DATE
ajfti-5653	265	3	nigerian	NORP
ajfti-5653	267	1	only 15	CARDINAL
ajfti-5653	267	2	the years 2009–2016	DATE
ajfti-5653	268	1	oracle financial cloud	ORG
ajfti-5653	268	2	15	CARDINAL
ajfti-5653	269	1	j. financ	PERSON
ajfti-5653	270	1	technol	PERSON
ajfti-5653	270	2	innov	GPE
ajfti-5653	271	1	3(1	CARDINAL
ajfti-5653	271	2	143	CARDINAL
ajfti-5653	271	3	2025	CARDINAL
ajfti-5653	271	4	nigeria	GPE
ajfti-5653	273	1	1	CARDINAL
ajfti-5653	274	1	swc	PERSON
ajfti-5653	274	2	1	CARDINAL
ajfti-5653	274	3	roa swc trc	PERSON
ajfti-5653	274	4	3.143964	CARDINAL
ajfti-5653	274	5	1.007052	CARDINAL
ajfti-5653	274	6	127.6364	CARDINAL
ajfti-5653	274	7	10.13577	CARDINAL
ajfti-5653	276	1	9.908269	CARDINAL
ajfti-5653	276	2	104.7786	CARDINAL
ajfti-5653	276	3	2.136351	CARDINAL
ajfti-5653	276	4	53757.87	CARDINAL
ajfti-5653	276	5	0.000000 0.000654 0.127783	MONEY
ajfti-5653	276	6	377.2756	CARDINAL
ajfti-5653	277	1	16587.29	CARDINAL
ajfti-5653	277	2	94.81764	CARDINAL
ajfti-5653	277	3	100	CARDINAL
ajfti-5653	277	4	100 100	CARDINAL
ajfti-5653	277	5	2025	CARDINAL
ajfti-5653	277	6	3.143964	CARDINAL
ajfti-5653	277	7	9.655949	CARDINAL
ajfti-5653	277	8	8.498013	CARDINAL
ajfti-5653	278	1	swc	PERSON
ajfti-5653	278	2	9.655949	CARDINAL
ajfti-5653	278	3	trc	GPE
ajfti-5653	278	4	8.498013	CARDINAL
ajfti-5653	279	1	10.13577	CARDINAL
ajfti-5653	279	2	10.86541	CARDINAL
ajfti-5653	279	3	127.6364	CARDINAL
ajfti-5653	280	1	0.023629	CARDINAL
ajfti-5653	280	2	8.143015	DATE
ajfti-5653	280	3	6.446537	CARDINAL
ajfti-5653	281	1	11.80631	CARDINAL
ajfti-5653	281	2	0.928489	CARDINAL
ajfti-5653	281	3	0.892629	CARDINAL
ajfti-5653	282	1	0.000000	CARDINAL
ajfti-5653	282	2	0.000654	CARDINAL
ajfti-5653	282	3	0.05	CARDINAL
ajfti-5653	282	4	swc	PERSON
ajfti-5653	283	1	the trc data	ORG
ajfti-5653	283	2	0.127783	CARDINAL
ajfti-5653	283	3	0.05	CARDINAL
ajfti-5653	284	1	swc	PERSON
ajfti-5653	284	2	trc	GPE
ajfti-5653	284	3	2	CARDINAL
ajfti-5653	285	1	2	CARDINAL
ajfti-5653	285	2	1.000000	CARDINAL
ajfti-5653	285	3	0.078507	CARDINAL
ajfti-5653	285	4	2025	CARDINAL
ajfti-5653	285	5	0.078507	CARDINAL
ajfti-5653	285	6	0.160785	CARDINAL
ajfti-5653	286	1	0.0000	CARDINAL
ajfti-5653	286	2	0.05	CARDINAL
ajfti-5653	288	1	54.72383	CARDINAL
ajfti-5653	288	2	swc	PERSON
ajfti-5653	288	3	7.966379	CARDINAL
ajfti-5653	288	4	12.50473	CARDINAL
ajfti-5653	289	1	7.966379	CARDINAL
ajfti-5653	289	2	12.50473	CARDINAL
ajfti-5653	289	3	15 1 https://journals.e-palli.com/home/index.php/ajfti am	TIME
ajfti-5653	290	1	j. financ	PERSON
ajfti-5653	291	1	technol	PERSON
ajfti-5653	291	2	innov	GPE
ajfti-5653	292	1	3(1	CARDINAL
ajfti-5653	292	2	143	CARDINAL
ajfti-5653	292	3	2025	CARDINAL
ajfti-5653	292	4	one	CARDINAL
ajfti-5653	293	1	6.886906	CARDINAL
ajfti-5653	293	2	3.811974	CARDINAL
ajfti-5653	294	1	two	CARDINAL
ajfti-5653	294	2	2	CARDINAL
ajfti-5653	295	1	0.0002	CARDINAL
ajfti-5653	295	2	0.0000	CARDINAL
ajfti-5653	296	1	0.05	CARDINAL
ajfti-5653	296	2	trc	GPE
ajfti-5653	297	1	0.557380	CARDINAL
ajfti-5653	297	2	55.74%	PERCENT
ajfti-5653	297	3	44.26%	PERCENT
ajfti-5653	298	1	10.26793	CARDINAL
ajfti-5653	298	2	0.000000	CARDINAL
ajfti-5653	299	1	0.05	CARDINAL
ajfti-5653	300	1	more than 1.5	CARDINAL
ajfti-5653	300	2	durbin-watson	ORG
ajfti-5653	300	3	2.390749	CARDINAL
ajfti-5653	302	1	nigeria	GPE
ajfti-5653	302	2	0.0002	CARDINAL
ajfti-5653	302	3	3.811974	CARDINAL
ajfti-5653	302	4	0.05	CARDINAL
ajfti-5653	303	1	first	ORDINAL
ajfti-5653	303	2	nigeria	GPE
ajfti-5653	304	1	nigeria	GPE
ajfti-5653	304	2	0.0000	CARDINAL
ajfti-5653	304	3	6.886906	CARDINAL
ajfti-5653	304	4	0.05	CARDINAL
ajfti-5653	305	1	nigeria	GPE
ajfti-5653	306	1	nigerian	NORP
ajfti-5653	307	1	nigerian	NORP
ajfti-5653	310	1	2024	CARDINAL
ajfti-5653	311	1	2024	CARDINAL
ajfti-5653	311	2	onifade & dedire	ORG
ajfti-5653	311	3	2024	DATE
ajfti-5653	312	1	2025	CARDINAL
ajfti-5653	312	2	2024	CARDINAL
ajfti-5653	312	3	2024	CARDINAL
ajfti-5653	313	1	2024	CARDINAL
ajfti-5653	313	2	2020	DATE
ajfti-5653	314	1	nigerian	NORP
ajfti-5653	316	1	3	CARDINAL
ajfti-5653	316	2	chi-sq	PERSON
ajfti-5653	316	3	chi-sq	PERSON
ajfti-5653	316	4	d.f. prob	PERSON
ajfti-5653	317	1	26.620086	CARDINAL
ajfti-5653	317	2	2 0.0000	CARDINAL
ajfti-5653	317	3	2025	CARDINAL
ajfti-5653	317	4	4	CARDINAL
ajfti-5653	318	1	54.72383	CARDINAL
ajfti-5653	318	2	0.0295	ORG
ajfti-5653	318	3	7.966379	CARDINAL
ajfti-5653	318	4	12.50473	CARDINAL
ajfti-5653	318	5	0.557380	CARDINAL
ajfti-5653	318	6	3.143964	CARDINAL
ajfti-5653	318	7	0.503096 s.d	MONEY
ajfti-5653	319	1	11.80631	CARDINAL
ajfti-5653	320	1	8.322434	CARDINAL
ajfti-5653	320	2	7.185067	CARDINAL
ajfti-5653	320	3	7.510275	CARDINAL
ajfti-5653	321	1	7.317135	CARDINAL
ajfti-5653	321	2	10.26793	CARDINAL
ajfti-5653	321	3	durbin-watson	ORG
ajfti-5653	321	4	2.390749	CARDINAL
ajfti-5653	321	5	0.000000	CARDINAL
ajfti-5653	321	6	2025	CARDINAL
ajfti-5653	321	7	ge	ORG
ajfti-5653	321	8	15	CARDINAL
ajfti-5653	322	1	j. financ	PERSON
ajfti-5653	323	1	technol	PERSON
ajfti-5653	323	2	innov	GPE
ajfti-5653	324	1	3(1	CARDINAL
ajfti-5653	324	2	143	CARDINAL
ajfti-5653	324	3	2025	DATE
ajfti-5653	324	4	2024	CARDINAL
ajfti-5653	325	1	2024	CARDINAL
ajfti-5653	326	1	2023	CARDINAL
ajfti-5653	326	2	2020	DATE
ajfti-5653	326	3	dedire	PERSON
ajfti-5653	326	4	2024	CARDINAL
ajfti-5653	327	1	2024	CARDINAL
ajfti-5653	328	1	2024	CARDINAL
ajfti-5653	329	1	nigerian	NORP
ajfti-5653	329	2	nigerian	NORP
ajfti-5653	330	1	nigerian	NORP
ajfti-5653	331	1	nigerian	NORP
ajfti-5653	332	1	nigerian	NORP
ajfti-5653	333	1	nigerian	NORP
ajfti-5653	334	1	nigerian	NORP
ajfti-5653	335	1	nigerian	NORP
ajfti-5653	335	2	nigerian	NORP
ajfti-5653	336	1	2018	DATE
ajfti-5653	337	1	jordanian	NORP
ajfti-5653	338	1	158–164	CARDINAL
ajfti-5653	338	2	m. o.	PERSON
ajfti-5653	338	3	2021	CARDINAL
ajfti-5653	339	1	nigeria	GPE
ajfti-5653	340	1	iosr journal of business and management	ORG
ajfti-5653	340	2	23(3	CARDINAL
ajfti-5653	340	3	12–19	CARDINAL
ajfti-5653	341	1	abubakar	PERSON
ajfti-5653	341	2	f. m.	PERSON
ajfti-5653	341	3	a.	PERSON
ajfti-5653	341	4	2023	CARDINAL
ajfti-5653	342	1	nigerian	NORP
ajfti-5653	343	1	journal of financial technology	ORG
ajfti-5653	343	2	4(1	CARDINAL
ajfti-5653	343	3	61–77	CARDINAL
ajfti-5653	344	1	afolabi	PERSON
ajfti-5653	344	2	t. j., & hassan	PERSON
ajfti-5653	344	3	r. a.	PERSON
ajfti-5653	344	4	2023	CARDINAL
ajfti-5653	345	1	nigerian	NORP
ajfti-5653	346	1	nigerian journal of financial technology	ORG
ajfti-5653	346	2	9(1	CARDINAL
ajfti-5653	346	3	55–69	CARDINAL
ajfti-5653	347	1	agaji	PERSON
ajfti-5653	347	2	n. p. i.	PERSON
ajfti-5653	347	3	2023	CARDINAL
ajfti-5653	348	1	nigeria	GPE
ajfti-5653	349	1	journal of financial economics letters	ORG
ajfti-5653	349	2	9	CARDINAL
ajfti-5653	349	3	1	CARDINAL
ajfti-5653	350	1	akadi	PERSON
ajfti-5653	350	2	f.	PERSON
ajfti-5653	350	3	2024	CARDINAL
ajfti-5653	351	1	nigeria	GPE
ajfti-5653	352	1	african journal of accounting	ORG
ajfti-5653	352	2	7(1	DATE
ajfti-5653	352	3	164–186	CARDINAL
ajfti-5653	352	4	akai	PRODUCT
ajfti-5653	352	5	n. d.	PERSON
ajfti-5653	352	6	ibok	ORG
ajfti-5653	352	7	n., & akinninyi	ORG
ajfti-5653	352	8	p. e.	PERSON
ajfti-5653	352	9	2023	CARDINAL
ajfti-5653	353	1	nigeria	GPE
ajfti-5653	354	1	european journal of accounting	ORG
ajfti-5653	354	2	11(9	CARDINAL
ajfti-5653	354	3	18–42	CARDINAL
ajfti-5653	354	4	akpan	PERSON
ajfti-5653	354	5	j. u.	PERSON
ajfti-5653	354	6	igbekoyi	GPE
ajfti-5653	354	7	o. e.	PERSON
ajfti-5653	354	8	o. i., & osaloni	ORG
ajfti-5653	354	9	2023	CARDINAL
ajfti-5653	355	1	nigeria	GPE
ajfti-5653	356	1	international journal of research	ORG
ajfti-5653	356	2	7(1	DATE
ajfti-5653	356	3	18	CARDINAL
ajfti-5653	357	1	altın	ORG
ajfti-5653	357	2	m., & yılmaz	ORG
ajfti-5653	357	3	2021	CARDINAL
ajfti-5653	358	1	turkey	GPE
ajfti-5653	359	1	international journal of public administration	ORG
ajfti-5653	359	2	45(11	DATE
ajfti-5653	359	3	819–833	CARDINAL
ajfti-5653	360	1	bagozzi	ORG
ajfti-5653	360	2	r. p.	PERSON
ajfti-5653	360	3	2017	CARDINAL
ajfti-5653	362	1	8(4	CARDINAL
ajfti-5653	362	2	244–254	CARDINAL
ajfti-5653	363	1	barney	PERSON
ajfti-5653	363	2	j. (	PERSON
ajfti-5653	363	3	1991	DATE
ajfti-5653	365	1	journal of management	ORG
ajfti-5653	365	2	17(1	CARDINAL
ajfti-5653	365	3	99–120	ORG
ajfti-5653	365	4	a.	PERSON
ajfti-5653	365	5	2000	DATE
ajfti-5653	367	1	journal of management	ORG
ajfti-5653	367	2	quarterly	DATE
ajfti-5653	367	3	24(1	CARDINAL
ajfti-5653	367	4	169–196	CARDINAL
ajfti-5653	368	1	chinyao	ORG
ajfti-5653	368	2	l.	GPE
ajfti-5653	368	3	yahsueh	GPE
ajfti-5653	368	4	c., & mingchang	ORG
ajfti-5653	368	5	w.	PERSON
ajfti-5653	368	6	2019	DATE
ajfti-5653	370	1	industrial management & data systems	ORG
ajfti-5653	370	2	111(7	CARDINAL
ajfti-5653	370	3	1006–1023	CARDINAL
ajfti-5653	371	1	christauskas	NORP
ajfti-5653	371	2	c., & miseviciene	ORG
ajfti-5653	371	3	r.	NORP
ajfti-5653	371	4	2021	CARDINAL
ajfti-5653	373	1	23(1	GPE
ajfti-5653	373	2	14–21	CARDINAL
ajfti-5653	374	1	daniel	PERSON
ajfti-5653	374	2	e. k.	PERSON
ajfti-5653	374	3	2024	CARDINAL
ajfti-5653	375	1	nigeria	GPE
ajfti-5653	376	1	international journal of accounting	ORG
ajfti-5653	376	2	3(1	CARDINAL
ajfti-5653	377	1	davis	PERSON
ajfti-5653	377	2	f. d.	PERSON
ajfti-5653	377	3	1989	DATE
ajfti-5653	379	1	quarterly	DATE
ajfti-5653	379	2	13(3	CARDINAL
ajfti-5653	379	3	319–340	CARDINAL
ajfti-5653	380	1	dimitriu	PERSON
ajfti-5653	380	2	m. (	PERSON
ajfti-5653	380	3	2015	DATE
ajfti-5653	382	1	procedia economics	ORG
ajfti-5653	382	2	32	CARDINAL
ajfti-5653	382	3	665–671	CARDINAL
ajfti-5653	383	1	o. m.	PERSON
ajfti-5653	383	2	obianuju	PERSON
ajfti-5653	383	3	2024	CARDINAL
ajfti-5653	384	1	nigeria	GPE
ajfti-5653	385	1	journal	ORG
ajfti-5653	385	2	6(2	CARDINAL
ajfti-5653	385	3	68–80	CARDINAL
ajfti-5653	386	1	f. e., & edet	PERSON
ajfti-5653	386	2	a. e.	PERSON
ajfti-5653	386	3	2024	CARDINAL
ajfti-5653	387	1	nigeria	GPE
ajfti-5653	388	1	5(5	CARDINAL
ajfti-5653	388	2	9–26	DATE
ajfti-5653	388	3	eze	ORG
ajfti-5653	388	4	e. o.	PERSON
ajfti-5653	388	5	b. c., & okafor	PERSON
ajfti-5653	388	6	2024	CARDINAL
ajfti-5653	389	1	nigeria	GPE
ajfti-5653	390	1	10(2	DATE
ajfti-5653	390	2	386–405	CARDINAL
ajfti-5653	391	1	r. a.	PERSON
ajfti-5653	391	2	udochukwu	GPE
ajfti-5653	391	3	c. a.	PERSON
ajfti-5653	391	4	j. o., & nwankwo	ORG
ajfti-5653	391	5	c. t.	PERSON
ajfti-5653	391	6	2024	CARDINAL
ajfti-5653	392	1	nigerian	NORP
ajfti-5653	393	1	ge	ORG
ajfti-5653	393	2	15 3 https://journals.e-palli.com/home/index.php/ajfti am	TIME
ajfti-5653	394	1	j. financ	PERSON
ajfti-5653	395	1	technol	PERSON
ajfti-5653	395	2	innov	GPE
ajfti-5653	396	1	3(1	CARDINAL
ajfti-5653	396	2	143	CARDINAL
ajfti-5653	396	3	2025	CARDINAL
ajfti-5653	397	1	fadipe	ORG
ajfti-5653	397	2	a. o.	PERSON
ajfti-5653	397	3	2023	CARDINAL
ajfti-5653	399	1	international journal of economics	ORG
ajfti-5653	399	2	9(6	CARDINAL
ajfti-5653	399	3	1–20	CARDINAL
ajfti-5653	400	1	fleetwood	ORG
ajfti-5653	400	2	2023	CARDINAL
ajfti-5653	403	1	s., & suhardi	ORG
ajfti-5653	403	2	a. r.	PERSON
ajfti-5653	403	3	2019	DATE
ajfti-5653	404	1	indonesia	GPE
ajfti-5653	405	1	3(2	CARDINAL
ajfti-5653	405	2	179–186	CARDINAL
ajfti-5653	405	3	ighosewe, e. f.	ORG
ajfti-5653	405	4	onatuyeh	PERSON
ajfti-5653	405	5	e. a.	PERSON
ajfti-5653	405	6	udo-ezika	ORG
ajfti-5653	405	7	d.	NORP
ajfti-5653	405	8	agbogun	ORG
ajfti-5653	405	9	o. e., & uwhejevwe-togbolo	ORG
ajfti-5653	405	10	s. e.	PERSON
ajfti-5653	405	11	2024	CARDINAL
ajfti-5653	406	1	1	CARDINAL
ajfti-5653	406	2	nigeria	GPE
ajfti-5653	407	1	4(1	CARDINAL
ajfti-5653	407	2	166–174	CARDINAL
ajfti-5653	408	1	igwe	PERSON
ajfti-5653	408	2	j. c.	PERSON
ajfti-5653	408	3	e. k.	PERSON
ajfti-5653	408	4	a. e.	PERSON
ajfti-5653	408	5	2022	CARDINAL
ajfti-5653	409	1	nigerian	NORP
ajfti-5653	410	1	7(2	CARDINAL
ajfti-5653	410	2	103–117	CARDINAL
ajfti-5653	411	1	ikwuo	ORG
ajfti-5653	411	2	a. k.	PERSON
ajfti-5653	411	3	ukoha, a. c., & nworie	PERSON
ajfti-5653	411	4	2025	CARDINAL
ajfti-5653	412	1	nigeria	GPE
ajfti-5653	413	1	5(1	CARDINAL
ajfti-5653	413	2	1–16	CARDINAL
ajfti-5653	414	1	inegbedion, h., adeyemi	ORG
ajfti-5653	414	2	a., & james	ORG
ajfti-5653	414	3	2022	CARDINAL
ajfti-5653	415	1	nigeria	GPE
ajfti-5653	416	1	nigerian	NORP
ajfti-5653	416	2	8(2	CARDINAL
ajfti-5653	416	3	102–115	DATE
ajfti-5653	417	1	jaynob, f., & shamimul	PERSON
ajfti-5653	417	2	j.	PERSON
ajfti-5653	417	3	2022	CARDINAL
ajfti-5653	418	1	nigeria	GPE
ajfti-5653	419	1	15(3	CARDINAL
ajfti-5653	419	2	55–69	CARDINAL
ajfti-5653	420	1	khrawish	NORP
ajfti-5653	420	2	n. m.	PERSON
ajfti-5653	420	3	2017	CARDINAL
ajfti-5653	422	1	9(6	CARDINAL
ajfti-5653	422	2	15	CARDINAL
ajfti-5653	423	1	legris	GPE
ajfti-5653	423	2	ingham, j., & collerette	ORG
ajfti-5653	423	3	2023	CARDINAL
ajfti-5653	426	1	information & management	ORG
ajfti-5653	426	2	40(3	CARDINAL
ajfti-5653	426	3	191–204	CARDINAL
ajfti-5653	427	1	lyytinen	PERSON
ajfti-5653	427	2	k., & damsgaard	ORG
ajfti-5653	427	3	2001	DATE
ajfti-5653	431	1	miller	PERSON
ajfti-5653	431	2	d.	PERSON
ajfti-5653	431	3	2003	DATE
ajfti-5653	433	1	961–976	CARDINAL
ajfti-5653	434	1	nduokafor	PERSON
ajfti-5653	434	2	m., & nworie	ORG
ajfti-5653	434	3	2024	CARDINAL
ajfti-5653	436	1	social sciences	ORG
ajfti-5653	436	2	10(2	DATE
ajfti-5653	437	1	obasan, o. t., & kuola	PERSON
ajfti-5653	437	2	a. j.	PERSON
ajfti-5653	437	3	2022	CARDINAL
ajfti-5653	438	1	nigeria	GPE
ajfti-5653	438	2	twinstar industries ltd.	ORG
ajfti-5653	438	3	ogun state	GPE
ajfti-5653	439	1	international multidisciplinary journal	ORG
ajfti-5653	439	2	6(2	CARDINAL
ajfti-5653	440	1	odukwu	PERSON
ajfti-5653	440	2	v. c.	PERSON
ajfti-5653	440	3	nwankwo	ORG
ajfti-5653	440	4	s. m.	PERSON
ajfti-5653	440	5	2023	CARDINAL
ajfti-5653	441	1	nigeria	GPE
ajfti-5653	442	1	international journal of production	ORG
ajfti-5653	442	2	3(2	CARDINAL
ajfti-5653	442	3	32–41	CARDINAL
ajfti-5653	442	4	odunayo	ORG
ajfti-5653	442	5	j., akintoye	ORG
ajfti-5653	442	6	r. i.	PERSON
ajfti-5653	442	7	t. a.	GPE
ajfti-5653	442	8	sanyaolu	GPE
ajfti-5653	442	9	a. w.	PERSON
ajfti-5653	442	10	a., & osunusi	ORG
ajfti-5653	442	11	k. a.	PERSON
ajfti-5653	442	12	2023	CARDINAL
ajfti-5653	443	1	nigeria	GPE
ajfti-5653	444	1	international journal of applied economics	ORG
ajfti-5653	444	2	337–352	CARDINAL
ajfti-5653	445	1	ofurum	ORG
ajfti-5653	445	2	c. i.	PERSON
ajfti-5653	445	3	& obi	ORG
ajfti-5653	445	4	h. k.	PERSON
ajfti-5653	445	5	2024	CARDINAL
ajfti-5653	446	1	nigeria	GPE
ajfti-5653	447	1	sadi international journal of management	ORG
ajfti-5653	447	2	11(2	CARDINAL
ajfti-5653	447	3	19–28	DATE
ajfti-5653	448	1	w.	PERSON
ajfti-5653	448	2	2022	CARDINAL
ajfti-5653	449	1	nigeria	GPE
ajfti-5653	450	1	anatolian journal of economics	ORG
ajfti-5653	450	2	6(2	CARDINAL
ajfti-5653	450	3	124–141	CARDINAL
ajfti-5653	450	4	c. e., & udeh	PERSON
ajfti-5653	450	5	f. n.	PERSON
ajfti-5653	450	6	2023	CARDINAL
ajfti-5653	451	1	nigeria	GPE
ajfti-5653	452	1	6(1	CARDINAL
ajfti-5653	452	2	88–103	DATE
ajfti-5653	452	3	e. i.	PERSON
ajfti-5653	452	4	g. n.	PERSON
ajfti-5653	452	5	2023	CARDINAL
ajfti-5653	453	1	nigerian	NORP
ajfti-5653	454	1	5(3	CARDINAL
ajfti-5653	454	2	44–59	DATE
ajfti-5653	455	1	olaoye	PERSON
ajfti-5653	455	2	f., & akadi	ORG
ajfti-5653	455	3	2024	CARDINAL
ajfti-5653	456	1	nigeria	GPE
ajfti-5653	457	1	african journal of accounting	ORG
ajfti-5653	457	2	7(1	DATE
ajfti-5653	457	3	164–186	CARDINAL
ajfti-5653	458	1	olokoyo	PERSON
ajfti-5653	459	1	f. o.	PERSON
ajfti-5653	459	2	2019	CARDINAL
ajfti-5653	460	1	nigeria	GPE
ajfti-5653	461	1	2019-6th	DATE
ajfti-5653	461	2	1135–1145	CARDINAL
ajfti-5653	462	1	onifade, h. o.	ORG
ajfti-5653	462	2	s. a.	PERSON
ajfti-5653	462	3	aminu, a. o., & ajibola	ORG
ajfti-5653	462	4	k. t.	PERSON
ajfti-5653	462	5	2023	CARDINAL
ajfti-5653	463	1	nigeria	GPE
ajfti-5653	464	1	7(3	CARDINAL
ajfti-5653	464	2	25	CARDINAL
ajfti-5653	465	1	2024	CARDINAL
ajfti-5653	466	1	harcourt metropolis	ORG
ajfti-5653	467	1	social sciences	ORG
ajfti-5653	467	2	9(3	CARDINAL
ajfti-5653	468	1	owolabi	PERSON
ajfti-5653	468	2	s. a., & izang	PERSON
ajfti-5653	468	3	j. u.	PERSON
ajfti-5653	468	4	2020	DATE
ajfti-5653	470	1	international journal of research publications	ORG
ajfti-5653	470	2	60(1	CARDINAL
ajfti-5653	470	3	21–28	CARDINAL
ajfti-5653	471	1	oyewobi	ORG
ajfti-5653	471	2	i. a.	PERSON
ajfti-5653	471	3	o. l.	PERSON
ajfti-5653	471	4	2024	CARDINAL
ajfti-5653	472	1	nigeria	GPE
ajfti-5653	473	1	journal of economics	ORG
ajfti-5653	473	2	7(4	CARDINAL
ajfti-5653	473	3	2089–2104	CARDINAL
ajfti-5653	474	1	m. a.	PERSON
ajfti-5653	474	2	1993	DATE
ajfti-5653	476	1	14(3	CARDINAL
ajfti-5653	476	2	179–191	CARDINAL
ajfti-5653	477	1	r. l.	PERSON
ajfti-5653	477	2	j. e. (	PERSON
ajfti-5653	477	3	2001	DATE
ajfti-5653	478	1	academy of management review	ORG
ajfti-5653	478	2	26(1	CARDINAL
ajfti-5653	479	1	pringle	PERSON
ajfti-5653	479	2	i. e., & gray	PERSON
ajfti-5653	479	3	2019	DATE
ajfti-5653	481	1	the international journal of business & management	ORG
ajfti-5653	481	2	28	CARDINAL
ajfti-5653	482	1	rakshitha	ORG
ajfti-5653	482	2	s., & sourabh	ORG
ajfti-5653	482	3	s.	PERSON
ajfti-5653	482	4	2024	CARDINAL
ajfti-5653	483	1	15	CARDINAL
ajfti-5653	484	1	j. financ	PERSON
ajfti-5653	485	1	technol	PERSON
ajfti-5653	485	2	innov	GPE
ajfti-5653	486	1	3(1	CARDINAL
ajfti-5653	486	2	143	CARDINAL
ajfti-5653	486	3	2025	CARDINAL
ajfti-5653	487	1	international journal of research	ORG
ajfti-5653	487	2	5(5	CARDINAL
ajfti-5653	487	3	8337–8346	CARDINAL
ajfti-5653	488	1	rawashdeh	ORG
ajfti-5653	488	2	a., & rawashdeh	ORG
ajfti-5653	488	3	b. s.	PERSON
ajfti-5653	488	4	2023	CARDINAL
ajfti-5653	490	1	international journal of data	ORG
ajfti-5653	490	2	7	DATE
ajfti-5653	490	3	411–424	DATE
ajfti-5653	491	1	e. m.	PERSON
ajfti-5653	491	2	2003	DATE
ajfti-5653	492	1	5th	ORDINAL
ajfti-5653	494	1	suarta	PERSON
ajfti-5653	494	2	i. m.	PERSON
ajfti-5653	494	3	suwintana	GPE
ajfti-5653	494	4	i. k.	PERSON
ajfti-5653	494	5	i. g. a. o.	PERSON
ajfti-5653	494	6	2022	CARDINAL
ajfti-5653	496	1	2022	CARDINAL
ajfti-5653	497	1	276–282	CARDINAL
ajfti-5653	498	1	atlantis	PRODUCT
ajfti-5653	499	1	teece	PERSON
ajfti-5653	499	2	d. j.	PERSON
ajfti-5653	499	3	2007	DATE
ajfti-5653	501	1	1319–1350	CARDINAL
ajfti-5653	502	1	f. d.	PERSON
ajfti-5653	502	2	2020	DATE
ajfti-5653	503	1	four	CARDINAL
ajfti-5653	504	1	46(2	CARDINAL
ajfti-5653	504	2	186–204	CARDINAL
ajfti-5653	505	1	2023	CARDINAL
ajfti-5653	506	1	nigeria	GPE
ajfti-5653	507	1	russian	NORP
ajfti-5653	507	2	11(3	CARDINAL
ajfti-5653	507	3	3060–3068	DATE
ajfti-5653	508	1	yau yeung	PERSON
ajfti-5653	508	2	d.	NORP
ajfti-5653	508	3	2020	DATE
ajfti-5653	509	1	australia	GPE
ajfti-5653	510	1	44(4	CARDINAL
ajfti-5653	510	2	421–446	CARDINAL