id	sid	eid	entity	type
ajfti-5791	1	1	1	CARDINAL
ajfti-5791	1	2	18 8	CARDINAL
ajfti-5791	1	3	american journal of financial technology	ORG
ajfti-5791	1	4	s. ahmed1*	PERSON
ajfti-5791	1	5	m. e. islam1	PERSON
ajfti-5791	1	6	m. shahin sarwar2	PERSON
ajfti-5791	1	7	3	CARDINAL
ajfti-5791	1	8	1, year 2025	DATE
ajfti-5791	1	9	2996-0975	DATE
ajfti-5791	1	10	https://doi.org/10.54536/ajfti.v3i1.5791	GPE
ajfti-5791	1	11	https://journals.e-palli.com/home/index.php/ajfti	DATE
ajfti-5791	1	12	july 25, 2025	DATE
ajfti-5791	1	13	august 28, 2025	DATE
ajfti-5791	1	14	november 06, 2025	DATE
ajfti-5791	1	15	bangladesh	GPE
ajfti-5791	1	16	fintech	ORG
ajfti-5791	2	1	bangladesh	GPE
ajfti-5791	3	1	250	CARDINAL
ajfti-5791	3	2	secondary	ORDINAL
ajfti-5791	7	1	2.497	CARDINAL
ajfti-5791	7	2	0.023	CARDINAL
ajfti-5791	10	1	fintech	ORG
ajfti-5791	10	2	1	CARDINAL
ajfti-5791	10	3	bangladesh university of professionals	ORG
ajfti-5791	10	4	dhaka	GPE
ajfti-5791	10	5	2	CARDINAL
ajfti-5791	10	6	bangladesh university of professionals	ORG
ajfti-5791	10	7	dhaka	GPE
ajfti-5791	13	1	paris	GPE
ajfti-5791	15	1	2021	CARDINAL
ajfti-5791	15	2	ifc 2020	ORG
ajfti-5791	16	1	bangladesh	GPE
ajfti-5791	19	1	bangladesh bank	ORG
ajfti-5791	19	2	2023	CARDINAL
ajfti-5791	19	3	bangladesh institute of development	ORG
ajfti-5791	19	4	2020	DATE
ajfti-5791	21	1	2011	DATE
ajfti-5791	22	1	bangladesh	GPE
ajfti-5791	22	2	2020	DATE
ajfti-5791	22	3	2023	CARDINAL
ajfti-5791	22	4	bangladesh institute of development	ORG
ajfti-5791	22	5	2020	DATE
ajfti-5791	25	1	18 9	TIME
ajfti-5791	26	1	j. financ	PERSON
ajfti-5791	27	1	technol	PERSON
ajfti-5791	27	2	innov	GPE
ajfti-5791	28	1	3(1	CARDINAL
ajfti-5791	28	2	188	CARDINAL
ajfti-5791	28	3	2025	CARDINAL
ajfti-5791	28	4	rahman	PERSON
ajfti-5791	28	5	ahmed & chowdhury	ORG
ajfti-5791	28	6	2022	CARDINAL
ajfti-5791	30	1	blockchain	PERSON
ajfti-5791	32	1	bangladesh	GPE
ajfti-5791	32	2	khan & hossain	ORG
ajfti-5791	32	3	2019	DATE
ajfti-5791	32	4	miah et al.	PERSON
ajfti-5791	32	5	2019	DATE
ajfti-5791	33	1	bangladesh	GPE
ajfti-5791	35	1	rahman et al.	PERSON
ajfti-5791	35	2	2022	CARDINAL
ajfti-5791	37	1	bangladesh	GPE
ajfti-5791	43	1	fintech	ORG
ajfti-5791	45	1	1	CARDINAL
ajfti-5791	45	2	2	CARDINAL
ajfti-5791	46	1	3	CARDINAL
ajfti-5791	47	1	begum et al	PERSON
ajfti-5791	48	1	2021	CARDINAL
ajfti-5791	48	2	bangladesh	GPE
ajfti-5791	50	1	rahman et al	PERSON
ajfti-5791	50	2	2022	CARDINAL
ajfti-5791	50	3	bangladesh	GPE
ajfti-5791	52	1	khan	PERSON
ajfti-5791	52	2	hossain	PERSON
ajfti-5791	52	3	2019	DATE
ajfti-5791	52	4	bangladesh	GPE
ajfti-5791	54	1	ahmad et al	PERSON
ajfti-5791	55	1	2013	DATE
ajfti-5791	59	1	bangladesh	GPE
ajfti-5791	59	2	ahmad et al.	PERSON
ajfti-5791	59	3	2013	DATE
ajfti-5791	60	1	rahman et al	PERSON
ajfti-5791	61	1	2021	CARDINAL
ajfti-5791	61	2	kerala	GPE
ajfti-5791	61	3	india	GPE
ajfti-5791	63	1	rahman et al.	PERSON
ajfti-5791	63	2	2021	CARDINAL
ajfti-5791	64	1	miah et al	PERSON
ajfti-5791	65	1	2019	DATE
ajfti-5791	65	2	bangladesh	GPE
ajfti-5791	66	1	19	CARDINAL
ajfti-5791	67	1	j. financ	PERSON
ajfti-5791	68	1	technol	PERSON
ajfti-5791	68	2	innov	GPE
ajfti-5791	69	1	3(1	CARDINAL
ajfti-5791	69	2	188	CARDINAL
ajfti-5791	69	3	2025	DATE
ajfti-5791	70	1	2021	CARDINAL
ajfti-5791	72	1	bangladesh bank	ORG
ajfti-5791	72	2	2023	CARDINAL
ajfti-5791	72	3	2011	DATE
ajfti-5791	72	4	2020	DATE
ajfti-5791	74	1	bangladesh institute of development	ORG
ajfti-5791	74	2	2020	DATE
ajfti-5791	75	1	ifc	ORG
ajfti-5791	75	2	2020	DATE
ajfti-5791	75	3	the world bank	ORG
ajfti-5791	75	4	2021	CARDINAL
ajfti-5791	76	1	two	CARDINAL
ajfti-5791	82	1	fintech	ORG
ajfti-5791	84	1	bangladesh	GPE
ajfti-5791	86	1	bangladesh	GPE
ajfti-5791	88	1	bangladesh	GPE
ajfti-5791	89	1	250	CARDINAL
ajfti-5791	90	1	bangladesh bank	ORG
ajfti-5791	92	1	1	CARDINAL
ajfti-5791	92	2	5	CARDINAL
ajfti-5791	93	1	1	CARDINAL
ajfti-5791	93	2	section 1	LAW
ajfti-5791	93	3	4	CARDINAL
ajfti-5791	93	4	2	CARDINAL
ajfti-5791	93	5	section 2	LAW
ajfti-5791	93	6	1	CARDINAL
ajfti-5791	93	7	3	CARDINAL
ajfti-5791	93	8	section 3	LAW
ajfti-5791	93	9	4	CARDINAL
ajfti-5791	93	10	section 4	LAW
ajfti-5791	93	11	5	CARDINAL
ajfti-5791	93	12	section 5	LAW
ajfti-5791	96	1	19 1 https://journals.e-palli.com/home/index.php/ajfti am	TIME
ajfti-5791	97	1	j. financ	PERSON
ajfti-5791	98	1	technol	PERSON
ajfti-5791	98	2	innov	GPE
ajfti-5791	99	1	3(1	CARDINAL
ajfti-5791	99	2	188	CARDINAL
ajfti-5791	99	3	2025	CARDINAL
ajfti-5791	102	1	bangladesh bank	ORG
ajfti-5791	103	1	the world bank	ORG
ajfti-5791	103	2	ifc	ORG
ajfti-5791	105	1	bangladesh	GPE
ajfti-5791	106	1	dv	ORG
ajfti-5791	106	2	i. adoption	PERSON
ajfti-5791	106	3	i.	PERSON
ajfti-5791	107	1	fintech	ORG
ajfti-5791	108	1	vi	PERSON
ajfti-5791	109	1	+ β₁(awareness	DATE
ajfti-5791	115	1	zero	CARDINAL
ajfti-5791	116	1	β₁	ORG
ajfti-5791	117	1	one	CARDINAL
ajfti-5791	121	1	79.6%	PERCENT
ajfti-5791	121	2	26–35 years	DATE
ajfti-5791	121	3	the 36–45 years	DATE
ajfti-5791	121	4	12.4%	PERCENT
ajfti-5791	121	5	18–25 years	DATE
ajfti-5791	121	6	7.6%	PERCENT
ajfti-5791	121	7	45 years	DATE
ajfti-5791	122	1	85.2%	PERCENT
ajfti-5791	122	2	14.8%	PERCENT
ajfti-5791	123	1	58%	PERCENT
ajfti-5791	123	2	26.4%	PERCENT
ajfti-5791	123	3	hsc	GPE
ajfti-5791	123	4	9.2%	PERCENT
ajfti-5791	123	5	ssc	ORG
ajfti-5791	123	6	5.2%	PERCENT
ajfti-5791	123	7	phd	PERSON
ajfti-5791	123	8	1.2%	PERCENT
ajfti-5791	124	1	58.8%	PERCENT
ajfti-5791	124	2	14%	PERCENT
ajfti-5791	124	3	11.2%	PERCENT
ajfti-5791	124	4	7.6%	PERCENT
ajfti-5791	124	5	5.6%	PERCENT
ajfti-5791	124	6	2.8%	PERCENT
ajfti-5791	125	1	1	CARDINAL
ajfti-5791	125	2	19 2	TIME
ajfti-5791	126	1	j. financ	PERSON
ajfti-5791	127	1	technol	PERSON
ajfti-5791	127	2	innov	GPE
ajfti-5791	128	1	3(1	CARDINAL
ajfti-5791	128	2	188	CARDINAL
ajfti-5791	128	3	2025	CARDINAL
ajfti-5791	128	4	2	CARDINAL
ajfti-5791	128	5	3	CARDINAL
ajfti-5791	128	6	4	CARDINAL
ajfti-5791	128	7	1	CARDINAL
ajfti-5791	129	1	3.64	CARDINAL
ajfti-5791	129	2	1.157 250	CARDINAL
ajfti-5791	129	3	3.23	CARDINAL
ajfti-5791	129	4	1.079 250	CARDINAL
ajfti-5791	129	5	3.14 0.904	CARDINAL
ajfti-5791	129	6	250	CARDINAL
ajfti-5791	129	7	fintech	ORG
ajfti-5791	129	8	3.64	CARDINAL
ajfti-5791	129	9	250	CARDINAL
ajfti-5791	129	10	3.27	CARDINAL
ajfti-5791	129	11	1.385 250	CARDINAL
ajfti-5791	129	12	2.68	CARDINAL
ajfti-5791	129	13	3.14	CARDINAL
ajfti-5791	129	14	1.451 250	CARDINAL
ajfti-5791	130	1	3.64	CARDINAL
ajfti-5791	130	2	2.68	CARDINAL
ajfti-5791	132	1	fintech	ORG
ajfti-5791	134	1	2	CARDINAL
ajfti-5791	134	2	fintech	ORG
ajfti-5791	134	3	1.000 0.040 0.127	MONEY
ajfti-5791	134	4	0.040 1.000	CARDINAL
ajfti-5791	134	5	0.127	MONEY
ajfti-5791	134	6	0.127 0.087 1.000	MONEY
ajfti-5791	134	7	0.160	CARDINAL
ajfti-5791	134	8	fintech	ORG
ajfti-5791	134	9	0.167	MONEY
ajfti-5791	134	10	0.106	CARDINAL
ajfti-5791	134	11	0.149	MONEY
ajfti-5791	134	12	0.082 1.000	MONEY
ajfti-5791	134	13	19 3 https://journals.e-palli.com/home/index.php/ajfti am	TIME
ajfti-5791	135	1	j. financ	PERSON
ajfti-5791	136	1	technol	PERSON
ajfti-5791	136	2	innov	GPE
ajfti-5791	137	1	3(1	CARDINAL
ajfti-5791	137	2	188	CARDINAL
ajfti-5791	137	3	2025	CARDINAL
ajfti-5791	137	4	3	CARDINAL
ajfti-5791	137	5	1 0.241	CARDINAL
ajfti-5791	137	6	1.137	MONEY
ajfti-5791	137	7	0.466	CARDINAL
ajfti-5791	139	1	multiple linear	ORG
ajfti-5791	140	1	anova	ORG
ajfti-5791	140	2	anova	ORG
ajfti-5791	140	3	2.497	CARDINAL
ajfti-5791	140	4	0.023	CARDINAL
ajfti-5791	140	5	0.05	CARDINAL
ajfti-5791	140	6	0.103 0.127 0.160	MONEY
ajfti-5791	140	7	0.097 1.000	CARDINAL
ajfti-5791	140	8	0.097 0.466	CARDINAL
ajfti-5791	140	9	4	CARDINAL
ajfti-5791	140	10	anova	ORG
ajfti-5791	141	1	19.360	CARDINAL
ajfti-5791	141	2	313.956	CARDINAL
ajfti-5791	141	3	333.316 249	CARDINAL
ajfti-5791	142	1	r2	PRODUCT
ajfti-5791	142	2	0.058	CARDINAL
ajfti-5791	142	3	5.8%	PERCENT
ajfti-5791	145	1	5	CARDINAL
ajfti-5791	146	1	0.581 4.396 0.000	MONEY
ajfti-5791	147	1	0.071	CARDINAL
ajfti-5791	147	2	0.539	CARDINAL
ajfti-5791	147	3	0.174 0.083	MONEY
ajfti-5791	147	4	2.103 0.037	CARDINAL
ajfti-5791	147	5	fintech	ORG
ajfti-5791	147	6	0.078	CARDINAL
ajfti-5791	147	7	0.055	MONEY
ajfti-5791	147	8	2.574 0.011	CARDINAL
ajfti-5791	147	9	0.084	CARDINAL
ajfti-5791	147	10	0.060	MONEY
ajfti-5791	147	11	0.053	CARDINAL
ajfti-5791	147	12	0.080	CARDINAL
ajfti-5791	147	13	0.174	CARDINAL
ajfti-5791	147	14	0.037	CARDINAL
ajfti-5791	148	1	0.143	CARDINAL
ajfti-5791	148	2	0.011	CARDINAL
ajfti-5791	149	1	0.539	CARDINAL
ajfti-5791	149	2	fintech	ORG
ajfti-5791	149	3	0.470	CARDINAL
ajfti-5791	149	4	0.162	CARDINAL
ajfti-5791	149	5	19 4	DATE
ajfti-5791	150	1	j. financ	PERSON
ajfti-5791	151	1	technol	PERSON
ajfti-5791	151	2	innov	GPE
ajfti-5791	152	1	3(1	CARDINAL
ajfti-5791	152	2	188	CARDINAL
ajfti-5791	152	3	2025	CARDINAL
ajfti-5791	152	4	four	CARDINAL
ajfti-5791	152	5	bangladesh	GPE
ajfti-5791	162	1	bangladesh	GPE
ajfti-5791	163	1	bangladesh	GPE
ajfti-5791	168	1	fintech	ORG
ajfti-5791	175	1	bangladesh	GPE
ajfti-5791	177	1	bangladesh	GPE
ajfti-5791	178	1	first	ORDINAL
ajfti-5791	180	1	second	ORDINAL
ajfti-5791	181	1	sdg	ORG
ajfti-5791	183	1	third	ORDINAL
ajfti-5791	185	1	19 5	TIME
ajfti-5791	186	1	j. financ	PERSON
ajfti-5791	187	1	technol	PERSON
ajfti-5791	187	2	innov	GPE
ajfti-5791	188	1	3(1	CARDINAL
ajfti-5791	188	2	188	CARDINAL
ajfti-5791	188	3	2025	DATE
ajfti-5791	190	1	ahmad	PERSON
ajfti-5791	190	2	n. m.	PERSON
ajfti-5791	190	3	m. a.	PERSON
ajfti-5791	190	4	2013	DATE
ajfti-5791	192	1	american journal of environmental economics	ORG
ajfti-5791	192	2	4(1	CARDINAL
ajfti-5791	192	3	32–42	CARDINAL
ajfti-5791	193	1	bangladesh bank	ORG
ajfti-5791	194	1	2011	DATE
ajfti-5791	196	1	bangladesh bank	ORG
ajfti-5791	197	1	bangladesh bank	ORG
ajfti-5791	198	1	2020	DATE
ajfti-5791	200	1	bangladesh bank	ORG
ajfti-5791	201	1	bangladesh bank	ORG
ajfti-5791	202	1	2023	CARDINAL
ajfti-5791	203	1	annual	DATE
ajfti-5791	203	2	bangladesh	GPE
ajfti-5791	204	1	bangladesh bank	ORG
ajfti-5791	205	1	bangladesh institute of development	ORG
ajfti-5791	206	1	2020	DATE
ajfti-5791	207	1	bangladesh	GPE
ajfti-5791	209	1	begum	PERSON
ajfti-5791	209	2	m., sultana	PERSON
ajfti-5791	209	3	s., & ahmed, f.	ORG
ajfti-5791	209	4	2021	CARDINAL
ajfti-5791	211	1	45–60	CARDINAL
ajfti-5791	213	1	2020	DATE
ajfti-5791	215	1	ifc	ORG
ajfti-5791	216	1	khan	GPE
ajfti-5791	216	2	m. r.	PERSON
ajfti-5791	216	3	m. s.	PERSON
ajfti-5791	216	4	2019	DATE
ajfti-5791	217	1	fintech	ORG
ajfti-5791	217	2	bangladesh	GPE
ajfti-5791	218	1	asian journal of finance & accounting	ORG
ajfti-5791	218	2	11(2	CARDINAL
ajfti-5791	218	3	85–102	CARDINAL
ajfti-5791	219	1	m., uddin	PERSON
ajfti-5791	219	2	s., & rahman	ORG
ajfti-5791	219	3	t.	PERSON
ajfti-5791	219	4	2019	DATE
ajfti-5791	221	1	international journal of business and management	ORG
ajfti-5791	221	2	14(7	CARDINAL
ajfti-5791	221	3	99–112	CARDINAL
ajfti-5791	222	1	rahman	PERSON
ajfti-5791	222	2	m., ahmed	PERSON
ajfti-5791	222	3	s., & chowdhury	ORG
ajfti-5791	222	4	2022	CARDINAL
ajfti-5791	223	1	bangladesh	GPE
ajfti-5791	224	1	12(4	CARDINAL
ajfti-5791	224	2	321–339	CARDINAL
ajfti-5791	225	1	rahman	PERSON
ajfti-5791	225	2	s.	PERSON
ajfti-5791	225	3	malik	PERSON
ajfti-5791	225	4	m., & sharma, a.	ORG
ajfti-5791	225	5	2021	CARDINAL
ajfti-5791	226	1	kerala	GPE
ajfti-5791	226	2	indian	NORP
ajfti-5791	227	1	american journal of environmental economics	ORG
ajfti-5791	227	2	4(1	CARDINAL
ajfti-5791	227	3	15–31	DATE
ajfti-5791	229	1	2021	CARDINAL
ajfti-5791	230	1	reen finance	ORG
ajfti-5791	231	1	& bangladesh bank	ORG
ajfti-5791	232	1	world bank	ORG
ajfti-5791	233	1	2021	CARDINAL
ajfti-5791	235	1	world bank	ORG