id	sid	tid	token	lemma	pos
ajfti-2325	1	1	pa	pa	PROPN
ajfti-2325	1	2	ge	ge	PROPN
ajfti-2325	1	3	1	1	NUM
ajfti-2325	1	4	pa	pa	PROPN
ajfti-2325	1	5	ge	ge	PROPN
ajfti-2325	1	6	35	35	NUM
ajfti-2325	1	7	american	american	PROPN
ajfti-2325	1	8	journal	journal	PROPN
ajfti-2325	1	9	of	of	ADP
ajfti-2325	1	10	financial	financial	ADJ
ajfti-2325	1	11	technology	technology	NOUN
ajfti-2325	1	12	and	and	CCONJ
ajfti-2325	1	13	innovation	innovation	NOUN
ajfti-2325	1	14	(	(	PUNCT
ajfti-2325	1	15	ajfti	ajfti	NOUN
ajfti-2325	1	16	)	)	PUNCT
ajfti-2325	1	17	financial	financial	ADJ
ajfti-2325	1	18	technology	technology	NOUN
ajfti-2325	1	19	and	and	CCONJ
ajfti-2325	1	20	economic	economic	ADJ
ajfti-2325	1	21	growth	growth	NOUN
ajfti-2325	1	22	in	in	ADP
ajfti-2325	1	23	nigeria	nigeria	PROPN
ajfti-2325	1	24	:	:	PUNCT
ajfti-2325	1	25	2012q1	2012q1	PROPN
ajfti-2325	1	26	-	-	PUNCT
ajfti-2325	1	27	2022q4	2022q4	ADJ
ajfti-2325	1	28	obumneke	obumneke	ADJ
ajfti-2325	1	29	ezie1	ezie1	PROPN
ajfti-2325	1	30	*	*	PROPN
ajfti-2325	1	31	,	,	PUNCT
ajfti-2325	1	32	jonathan	jonathan	PROPN
ajfti-2325	1	33	oniore1	oniore1	PROPN
ajfti-2325	1	34	,	,	PUNCT
ajfti-2325	1	35	princewill	princewill	NOUN
ajfti-2325	1	36	chisom	chisom	NOUN
ajfti-2325	1	37	ajaegbu1	ajaegbu1	NOUN
ajfti-2325	1	38	volume	volume	NOUN
ajfti-2325	1	39	1	1	NUM
ajfti-2325	1	40	issue	issue	NOUN
ajfti-2325	1	41	1	1	NUM
ajfti-2325	1	42	,	,	PUNCT
ajfti-2325	1	43	year	year	NOUN
ajfti-2325	1	44	2023	2023	NUM
ajfti-2325	1	45	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	PROPN
ajfti-2325	1	46	article	article	NOUN
ajfti-2325	1	47	information	information	NOUN
ajfti-2325	1	48	abstract	abstract	ADV
ajfti-2325	1	49	received	receive	VERB
ajfti-2325	1	50	:	:	PUNCT
ajfti-2325	1	51	november	november	PROPN
ajfti-2325	1	52	25	25	NUM
ajfti-2325	1	53	,	,	PUNCT
ajfti-2325	1	54	2023	2023	NUM
ajfti-2325	1	55	accepted	accept	VERB
ajfti-2325	1	56	:	:	PUNCT
ajfti-2325	1	57	december	december	PROPN
ajfti-2325	1	58	23	23	NUM
ajfti-2325	1	59	,	,	PUNCT
ajfti-2325	1	60	2023	2023	NUM
ajfti-2325	1	61	published	publish	VERB
ajfti-2325	1	62	:	:	PUNCT
ajfti-2325	1	63	december	december	PROPN
ajfti-2325	1	64	26	26	NUM
ajfti-2325	1	65	,	,	PUNCT
ajfti-2325	1	66	2023	2023	NUM
ajfti-2325	1	67	in	in	ADP
ajfti-2325	1	68	the	the	DET
ajfti-2325	1	69	recent	recent	ADJ
ajfti-2325	1	70	decade	decade	NOUN
ajfti-2325	1	71	,	,	PUNCT
ajfti-2325	1	72	the	the	DET
ajfti-2325	1	73	surge	surge	NOUN
ajfti-2325	1	74	in	in	ADP
ajfti-2325	1	75	financial	financial	ADJ
ajfti-2325	1	76	technology	technology	NOUN
ajfti-2325	1	77	(	(	PUNCT
ajfti-2325	1	78	fintech	fintech	NOUN
ajfti-2325	1	79	)	)	PUNCT
ajfti-2325	1	80	has	have	AUX
ajfti-2325	1	81	dramatically	dramatically	ADV
ajfti-2325	1	82	reshaped	reshape	VERB
ajfti-2325	1	83	the	the	DET
ajfti-2325	1	84	financial	financial	ADJ
ajfti-2325	1	85	landscape	landscape	NOUN
ajfti-2325	1	86	of	of	ADP
ajfti-2325	1	87	many	many	ADJ
ajfti-2325	1	88	countries	country	NOUN
ajfti-2325	1	89	,	,	PUNCT
ajfti-2325	1	90	including	include	VERB
ajfti-2325	1	91	nigeria	nigeria	PRON
ajfti-2325	1	92	.	.	PUNCT
ajfti-2325	2	1	however	however	ADV
ajfti-2325	2	2	,	,	PUNCT
ajfti-2325	2	3	despite	despite	SCONJ
ajfti-2325	2	4	these	these	DET
ajfti-2325	2	5	developments	development	NOUN
ajfti-2325	2	6	,	,	PUNCT
ajfti-2325	2	7	the	the	DET
ajfti-2325	2	8	economy	economy	NOUN
ajfti-2325	2	9	continues	continue	VERB
ajfti-2325	2	10	to	to	PART
ajfti-2325	2	11	slide	slide	VERB
ajfti-2325	2	12	in	in	ADP
ajfti-2325	2	13	a	a	DET
ajfti-2325	2	14	state	state	NOUN
ajfti-2325	2	15	of	of	ADP
ajfti-2325	2	16	decline	decline	NOUN
ajfti-2325	2	17	.	.	PUNCT
ajfti-2325	3	1	the	the	DET
ajfti-2325	3	2	primary	primary	ADJ
ajfti-2325	3	3	objective	objective	NOUN
ajfti-2325	3	4	of	of	ADP
ajfti-2325	3	5	this	this	DET
ajfti-2325	3	6	study	study	NOUN
ajfti-2325	3	7	was	be	AUX
ajfti-2325	3	8	to	to	PART
ajfti-2325	3	9	investigate	investigate	VERB
ajfti-2325	3	10	the	the	DET
ajfti-2325	3	11	impact	impact	NOUN
ajfti-2325	3	12	of	of	ADP
ajfti-2325	3	13	financial	financial	ADJ
ajfti-2325	3	14	technology	technology	NOUN
ajfti-2325	3	15	on	on	ADP
ajfti-2325	3	16	nigeria	nigeria	PROPN
ajfti-2325	3	17	’s	’s	PART
ajfti-2325	3	18	economic	economic	ADJ
ajfti-2325	3	19	growth	growth	NOUN
ajfti-2325	3	20	spanning	span	VERB
ajfti-2325	3	21	2012q1	2012q1	PROPN
ajfti-2325	3	22	to	to	ADP
ajfti-2325	3	23	2022q4	2022q4	PROPN
ajfti-2325	3	24	.	.	PUNCT
ajfti-2325	4	1	using	use	VERB
ajfti-2325	4	2	the	the	DET
ajfti-2325	4	3	fully	fully	ADV
ajfti-2325	4	4	modified	modify	VERB
ajfti-2325	4	5	ordinary	ordinary	ADJ
ajfti-2325	4	6	least	least	ADJ
ajfti-2325	4	7	squares	square	NOUN
ajfti-2325	4	8	(	(	PUNCT
ajfti-2325	4	9	fmols	fmol	NOUN
ajfti-2325	4	10	)	)	PUNCT
ajfti-2325	4	11	technique	technique	NOUN
ajfti-2325	4	12	,	,	PUNCT
ajfti-2325	4	13	the	the	DET
ajfti-2325	4	14	research	research	NOUN
ajfti-2325	4	15	focused	focus	VERB
ajfti-2325	4	16	on	on	ADP
ajfti-2325	4	17	three	three	NUM
ajfti-2325	4	18	aspects	aspect	NOUN
ajfti-2325	4	19	of	of	ADP
ajfti-2325	4	20	fintech	fintech	NOUN
ajfti-2325	4	21	:	:	PUNCT
ajfti-2325	4	22	internet	internet	NOUN
ajfti-2325	4	23	(	(	PUNCT
ajfti-2325	4	24	web	web	NOUN
ajfti-2325	4	25	)	)	PUNCT
ajfti-2325	4	26	transactions	transaction	NOUN
ajfti-2325	4	27	,	,	PUNCT
ajfti-2325	4	28	mobile	mobile	ADJ
ajfti-2325	4	29	payment	payment	NOUN
ajfti-2325	4	30	transactions	transaction	NOUN
ajfti-2325	4	31	,	,	PUNCT
ajfti-2325	4	32	and	and	CCONJ
ajfti-2325	4	33	instant	instant	ADJ
ajfti-2325	4	34	pay	pay	NOUN
ajfti-2325	4	35	transactions	transaction	NOUN
ajfti-2325	4	36	.	.	PUNCT
ajfti-2325	5	1	the	the	DET
ajfti-2325	5	2	findings	finding	NOUN
ajfti-2325	5	3	were	be	AUX
ajfti-2325	5	4	enlightening	enlightening	ADJ
ajfti-2325	5	5	.	.	PUNCT
ajfti-2325	6	1	web	web	NOUN
ajfti-2325	6	2	-	-	PUNCT
ajfti-2325	6	3	based	base	VERB
ajfti-2325	6	4	transactions	transaction	NOUN
ajfti-2325	6	5	showed	show	VERB
ajfti-2325	6	6	a	a	DET
ajfti-2325	6	7	significant	significant	ADJ
ajfti-2325	6	8	enhancement	enhancement	NOUN
ajfti-2325	6	9	in	in	ADP
ajfti-2325	6	10	nigeria	nigeria	PROPN
ajfti-2325	6	11	’s	’s	PART
ajfti-2325	6	12	economic	economic	ADJ
ajfti-2325	6	13	growth	growth	NOUN
ajfti-2325	6	14	.	.	PUNCT
ajfti-2325	7	1	these	these	DET
ajfti-2325	7	2	transactions	transaction	NOUN
ajfti-2325	7	3	not	not	PART
ajfti-2325	7	4	only	only	ADV
ajfti-2325	7	5	simplified	simplified	ADJ
ajfti-2325	7	6	banking	banking	NOUN
ajfti-2325	7	7	processes	process	NOUN
ajfti-2325	7	8	but	but	CCONJ
ajfti-2325	7	9	also	also	ADV
ajfti-2325	7	10	bolstered	bolster	VERB
ajfti-2325	7	11	economic	economic	ADJ
ajfti-2325	7	12	activities	activity	NOUN
ajfti-2325	7	13	,	,	PUNCT
ajfti-2325	7	14	making	make	VERB
ajfti-2325	7	15	financial	financial	ADJ
ajfti-2325	7	16	services	service	NOUN
ajfti-2325	7	17	more	more	ADV
ajfti-2325	7	18	accessible	accessible	ADJ
ajfti-2325	7	19	to	to	ADP
ajfti-2325	7	20	a	a	DET
ajfti-2325	7	21	wider	wide	ADJ
ajfti-2325	7	22	demographic	demographic	ADJ
ajfti-2325	7	23	.	.	PUNCT
ajfti-2325	8	1	in	in	ADP
ajfti-2325	8	2	addition	addition	NOUN
ajfti-2325	8	3	,	,	PUNCT
ajfti-2325	8	4	mobile	mobile	ADJ
ajfti-2325	8	5	payment	payment	NOUN
ajfti-2325	8	6	transactions	transaction	NOUN
ajfti-2325	8	7	significantly	significantly	ADV
ajfti-2325	8	8	impacted	impact	VERB
ajfti-2325	8	9	economic	economic	ADJ
ajfti-2325	8	10	growth	growth	NOUN
ajfti-2325	8	11	,	,	PUNCT
ajfti-2325	8	12	acting	act	VERB
ajfti-2325	8	13	as	as	ADP
ajfti-2325	8	14	catalysts	catalyst	NOUN
ajfti-2325	8	15	in	in	ADP
ajfti-2325	8	16	spurring	spur	VERB
ajfti-2325	8	17	both	both	CCONJ
ajfti-2325	8	18	urban	urban	ADJ
ajfti-2325	8	19	and	and	CCONJ
ajfti-2325	8	20	rural	rural	ADJ
ajfti-2325	8	21	economic	economic	ADJ
ajfti-2325	8	22	activities	activity	NOUN
ajfti-2325	8	23	and	and	CCONJ
ajfti-2325	8	24	inclusivity	inclusivity	NOUN
ajfti-2325	8	25	.	.	PUNCT
ajfti-2325	9	1	on	on	ADP
ajfti-2325	9	2	the	the	DET
ajfti-2325	9	3	other	other	ADJ
ajfti-2325	9	4	hand	hand	NOUN
ajfti-2325	9	5	,	,	PUNCT
ajfti-2325	9	6	instant	instant	ADJ
ajfti-2325	9	7	pay	pay	NOUN
ajfti-2325	9	8	transactions	transaction	NOUN
ajfti-2325	9	9	displayed	display	VERB
ajfti-2325	9	10	a	a	DET
ajfti-2325	9	11	rather	rather	ADV
ajfti-2325	9	12	unexpected	unexpected	ADJ
ajfti-2325	9	13	negative	negative	ADJ
ajfti-2325	9	14	impact	impact	NOUN
ajfti-2325	9	15	on	on	ADP
ajfti-2325	9	16	economic	economic	ADJ
ajfti-2325	9	17	growth	growth	NOUN
ajfti-2325	9	18	within	within	ADP
ajfti-2325	9	19	the	the	DET
ajfti-2325	9	20	study	study	NOUN
ajfti-2325	9	21	period	period	NOUN
ajfti-2325	9	22	.	.	PUNCT
ajfti-2325	10	1	while	while	SCONJ
ajfti-2325	10	2	they	they	PRON
ajfti-2325	10	3	augmented	augment	VERB
ajfti-2325	10	4	financial	financial	ADJ
ajfti-2325	10	5	fluidity	fluidity	NOUN
ajfti-2325	10	6	,	,	PUNCT
ajfti-2325	10	7	they	they	PRON
ajfti-2325	10	8	exhibited	exhibit	VERB
ajfti-2325	10	9	a	a	DET
ajfti-2325	10	10	negative	negative	ADJ
ajfti-2325	10	11	,	,	PUNCT
ajfti-2325	10	12	yet	yet	CCONJ
ajfti-2325	10	13	statistically	statistically	ADV
ajfti-2325	10	14	significant	significant	ADJ
ajfti-2325	10	15	,	,	PUNCT
ajfti-2325	10	16	impact	impact	NOUN
ajfti-2325	10	17	on	on	ADP
ajfti-2325	10	18	overall	overall	ADJ
ajfti-2325	10	19	economic	economic	ADJ
ajfti-2325	10	20	growth	growth	NOUN
ajfti-2325	10	21	.	.	PUNCT
ajfti-2325	11	1	drawing	draw	VERB
ajfti-2325	11	2	from	from	ADP
ajfti-2325	11	3	these	these	DET
ajfti-2325	11	4	insights	insight	NOUN
ajfti-2325	11	5	,	,	PUNCT
ajfti-2325	11	6	specific	specific	ADJ
ajfti-2325	11	7	recommendations	recommendation	NOUN
ajfti-2325	11	8	were	be	AUX
ajfti-2325	11	9	provided	provide	VERB
ajfti-2325	11	10	.	.	PUNCT
ajfti-2325	12	1	for	for	ADP
ajfti-2325	12	2	web	web	NOUN
ajfti-2325	12	3	transactions	transaction	NOUN
ajfti-2325	12	4	,	,	PUNCT
ajfti-2325	12	5	the	the	DET
ajfti-2325	12	6	paramount	paramount	ADJ
ajfti-2325	12	7	focus	focus	NOUN
ajfti-2325	12	8	was	be	AUX
ajfti-2325	12	9	suggested	suggest	VERB
ajfti-2325	12	10	on	on	ADP
ajfti-2325	12	11	fortifying	fortify	VERB
ajfti-2325	12	12	the	the	DET
ajfti-2325	12	13	digital	digital	ADJ
ajfti-2325	12	14	infrastructure	infrastructure	NOUN
ajfti-2325	12	15	and	and	CCONJ
ajfti-2325	12	16	enhancing	enhance	VERB
ajfti-2325	12	17	cybersecurity	cybersecurity	NOUN
ajfti-2325	12	18	measures	measure	NOUN
ajfti-2325	12	19	.	.	PUNCT
ajfti-2325	13	1	this	this	DET
ajfti-2325	13	2	twofold	twofold	ADJ
ajfti-2325	13	3	approach	approach	NOUN
ajfti-2325	13	4	would	would	AUX
ajfti-2325	13	5	foster	foster	VERB
ajfti-2325	13	6	growth	growth	NOUN
ajfti-2325	13	7	and	and	CCONJ
ajfti-2325	13	8	shield	shield	VERB
ajfti-2325	13	9	the	the	DET
ajfti-2325	13	10	burgeoning	burgeon	VERB
ajfti-2325	13	11	digital	digital	ADJ
ajfti-2325	13	12	economy	economy	NOUN
ajfti-2325	13	13	from	from	ADP
ajfti-2325	13	14	cyber	cyber	PROPN
ajfti-2325	13	15	threats	threat	NOUN
ajfti-2325	13	16	.	.	PUNCT
ajfti-2325	14	1	with	with	ADP
ajfti-2325	14	2	their	their	PRON
ajfti-2325	14	3	transformative	transformative	ADJ
ajfti-2325	14	4	essence	essence	NOUN
ajfti-2325	14	5	,	,	PUNCT
ajfti-2325	14	6	mobile	mobile	ADJ
ajfti-2325	14	7	transactions	transaction	NOUN
ajfti-2325	14	8	necessitated	necessitate	VERB
ajfti-2325	14	9	a	a	DET
ajfti-2325	14	10	dual	dual	ADJ
ajfti-2325	14	11	strategy	strategy	NOUN
ajfti-2325	14	12	:	:	PUNCT
ajfti-2325	14	13	expanding	expand	VERB
ajfti-2325	14	14	mobile	mobile	ADJ
ajfti-2325	14	15	connectivity	connectivity	NOUN
ajfti-2325	14	16	,	,	PUNCT
ajfti-2325	14	17	especially	especially	ADV
ajfti-2325	14	18	in	in	ADP
ajfti-2325	14	19	underserved	underserved	ADJ
ajfti-2325	14	20	areas	area	NOUN
ajfti-2325	14	21	,	,	PUNCT
ajfti-2325	14	22	and	and	CCONJ
ajfti-2325	14	23	intensifying	intensify	VERB
ajfti-2325	14	24	user	user	NOUN
ajfti-2325	14	25	education	education	NOUN
ajfti-2325	14	26	on	on	ADP
ajfti-2325	14	27	safe	safe	ADJ
ajfti-2325	14	28	mobile	mobile	ADJ
ajfti-2325	14	29	transactional	transactional	ADJ
ajfti-2325	14	30	practices	practice	NOUN
ajfti-2325	14	31	.	.	PUNCT
ajfti-2325	15	1	given	give	VERB
ajfti-2325	15	2	its	its	PRON
ajfti-2325	15	3	negative	negative	ADJ
ajfti-2325	15	4	relationship	relationship	NOUN
ajfti-2325	15	5	with	with	ADP
ajfti-2325	15	6	economic	economic	ADJ
ajfti-2325	15	7	growth	growth	NOUN
ajfti-2325	15	8	,	,	PUNCT
ajfti-2325	15	9	instant	instant	ADJ
ajfti-2325	15	10	pay	pay	NOUN
ajfti-2325	15	11	transactions	transaction	NOUN
ajfti-2325	15	12	required	require	VERB
ajfti-2325	15	13	a	a	DET
ajfti-2325	15	14	more	more	ADV
ajfti-2325	15	15	proactive	proactive	ADJ
ajfti-2325	15	16	approach	approach	NOUN
ajfti-2325	15	17	.	.	PUNCT
ajfti-2325	16	1	an	an	DET
ajfti-2325	16	2	exhaustive	exhaustive	ADJ
ajfti-2325	16	3	infrastructure	infrastructure	NOUN
ajfti-2325	16	4	audit	audit	NOUN
ajfti-2325	16	5	was	be	AUX
ajfti-2325	16	6	advocated	advocate	VERB
ajfti-2325	16	7	to	to	PART
ajfti-2325	16	8	expose	expose	VERB
ajfti-2325	16	9	any	any	DET
ajfti-2325	16	10	underlying	underlying	ADJ
ajfti-2325	16	11	inefficiencies	inefficiency	NOUN
ajfti-2325	16	12	.	.	PUNCT
ajfti-2325	17	1	simultaneously	simultaneously	ADV
ajfti-2325	17	2	,	,	PUNCT
ajfti-2325	17	3	a	a	DET
ajfti-2325	17	4	call	call	NOUN
ajfti-2325	17	5	for	for	ADP
ajfti-2325	17	6	more	more	ADV
ajfti-2325	17	7	stringent	stringent	ADJ
ajfti-2325	17	8	regulatory	regulatory	ADJ
ajfti-2325	17	9	oversight	oversight	NOUN
ajfti-2325	17	10	on	on	ADP
ajfti-2325	17	11	instant	instant	ADJ
ajfti-2325	17	12	pay	pay	NOUN
ajfti-2325	17	13	transactions	transaction	NOUN
ajfti-2325	17	14	was	be	AUX
ajfti-2325	17	15	made	make	VERB
ajfti-2325	17	16	to	to	PART
ajfti-2325	17	17	align	align	VERB
ajfti-2325	17	18	it	it	PRON
ajfti-2325	17	19	more	more	ADV
ajfti-2325	17	20	harmoniously	harmoniously	ADV
ajfti-2325	17	21	with	with	SCONJ
ajfti-2325	17	22	the	the	DET
ajfti-2325	17	23	nation	nation	NOUN
ajfti-2325	17	24	’s	’s	PART
ajfti-2325	17	25	broader	broad	ADJ
ajfti-2325	17	26	economic	economic	ADJ
ajfti-2325	17	27	objectives	objective	NOUN
ajfti-2325	17	28	keywords	keyword	VERB
ajfti-2325	17	29	internet	internet	NOUN
ajfti-2325	17	30	(	(	PUNCT
ajfti-2325	17	31	web	web	NOUN
ajfti-2325	17	32	)	)	PUNCT
ajfti-2325	17	33	transactions	transaction	NOUN
ajfti-2325	17	34	,	,	PUNCT
ajfti-2325	17	35	mobile	mobile	ADJ
ajfti-2325	17	36	payment	payment	NOUN
ajfti-2325	17	37	transactions	transaction	NOUN
ajfti-2325	17	38	,	,	PUNCT
ajfti-2325	17	39	instant	instant	ADJ
ajfti-2325	17	40	pay	pay	NOUN
ajfti-2325	17	41	transactions	transaction	NOUN
ajfti-2325	17	42	,	,	PUNCT
ajfti-2325	17	43	fmols	fmol	NOUN
ajfti-2325	17	44	,	,	PUNCT
ajfti-2325	17	45	economic	economic	ADJ
ajfti-2325	17	46	growth	growth	NOUN
ajfti-2325	17	47	,	,	PUNCT
ajfti-2325	17	48	jel	jel	PROPN
ajfti-2325	17	49	codes	codes	PROPN
ajfti-2325	17	50	l86	l86	PROPN
ajfti-2325	17	51	,	,	PUNCT
ajfti-2325	17	52	g23	g23	PROPN
ajfti-2325	17	53	,	,	PUNCT
ajfti-2325	17	54	g22	g22	NOUN
ajfti-2325	17	55	and	and	CCONJ
ajfti-2325	17	56	o42	o42	ADJ
ajfti-2325	17	57	introduction	introduction	NOUN
ajfti-2325	17	58	financial	financial	ADJ
ajfti-2325	17	59	technology	technology	NOUN
ajfti-2325	17	60	,	,	PUNCT
ajfti-2325	17	61	popularly	popularly	ADV
ajfti-2325	17	62	known	know	VERB
ajfti-2325	17	63	as	as	ADP
ajfti-2325	17	64	fintech	fintech	NOUN
ajfti-2325	17	65	,	,	PUNCT
ajfti-2325	17	66	refers	refer	VERB
ajfti-2325	17	67	to	to	ADP
ajfti-2325	17	68	integrating	integrate	VERB
ajfti-2325	17	69	technology	technology	NOUN
ajfti-2325	17	70	into	into	ADP
ajfti-2325	17	71	financial	financial	ADJ
ajfti-2325	17	72	services	service	NOUN
ajfti-2325	17	73	to	to	PART
ajfti-2325	17	74	enhance	enhance	VERB
ajfti-2325	17	75	their	their	PRON
ajfti-2325	17	76	delivery	delivery	NOUN
ajfti-2325	17	77	,	,	PUNCT
ajfti-2325	17	78	reduce	reduce	VERB
ajfti-2325	17	79	costs	cost	NOUN
ajfti-2325	17	80	,	,	PUNCT
ajfti-2325	17	81	and	and	CCONJ
ajfti-2325	17	82	create	create	VERB
ajfti-2325	17	83	new	new	ADJ
ajfti-2325	17	84	business	business	NOUN
ajfti-2325	17	85	models	model	NOUN
ajfti-2325	17	86	.	.	PUNCT
ajfti-2325	18	1	from	from	ADP
ajfti-2325	18	2	peer	peer	NOUN
ajfti-2325	18	3	-	-	PUNCT
ajfti-2325	18	4	to	to	ADP
ajfti-2325	18	5	-	-	PUNCT
ajfti-2325	18	6	peer	peer	NOUN
ajfti-2325	18	7	lending	lending	NOUN
ajfti-2325	18	8	platforms	platform	NOUN
ajfti-2325	18	9	to	to	ADP
ajfti-2325	18	10	digital	digital	ADJ
ajfti-2325	18	11	-	-	PUNCT
ajfti-2325	18	12	only	only	ADV
ajfti-2325	18	13	banks	bank	NOUN
ajfti-2325	18	14	,	,	PUNCT
ajfti-2325	18	15	fintech	fintech	NOUN
ajfti-2325	18	16	innovations	innovation	NOUN
ajfti-2325	18	17	have	have	AUX
ajfti-2325	18	18	revolutionized	revolutionize	VERB
ajfti-2325	18	19	the	the	DET
ajfti-2325	18	20	way	way	NOUN
ajfti-2325	18	21	people	people	NOUN
ajfti-2325	18	22	interact	interact	VERB
ajfti-2325	18	23	with	with	ADP
ajfti-2325	18	24	their	their	PRON
ajfti-2325	18	25	finances	finance	NOUN
ajfti-2325	18	26	globally	globally	ADV
ajfti-2325	18	27	.	.	PUNCT
ajfti-2325	19	1	according	accord	VERB
ajfti-2325	19	2	to	to	ADP
ajfti-2325	19	3	mckinsey	mckinsey	PROPN
ajfti-2325	19	4	&	&	CCONJ
ajfti-2325	19	5	company	company	PROPN
ajfti-2325	19	6	(	(	PUNCT
ajfti-2325	19	7	2018	2018	NUM
ajfti-2325	19	8	)	)	PUNCT
ajfti-2325	19	9	,	,	PUNCT
ajfti-2325	19	10	fintech	fintech	NOUN
ajfti-2325	19	11	investments	investment	NOUN
ajfti-2325	19	12	reached	reach	VERB
ajfti-2325	19	13	$	$	SYM
ajfti-2325	19	14	111	111	NUM
ajfti-2325	19	15	billion	billion	NUM
ajfti-2325	19	16	globally	globally	ADV
ajfti-2325	19	17	,	,	PUNCT
ajfti-2325	19	18	a	a	DET
ajfti-2325	19	19	testament	testament	NOUN
ajfti-2325	19	20	to	to	ADP
ajfti-2325	19	21	its	its	PRON
ajfti-2325	19	22	rapid	rapid	ADJ
ajfti-2325	19	23	ascent	ascent	NOUN
ajfti-2325	19	24	.	.	PUNCT
ajfti-2325	20	1	its	its	PRON
ajfti-2325	20	2	significance	significance	NOUN
ajfti-2325	20	3	lies	lie	VERB
ajfti-2325	20	4	not	not	PART
ajfti-2325	20	5	only	only	ADV
ajfti-2325	20	6	in	in	ADP
ajfti-2325	20	7	the	the	DET
ajfti-2325	20	8	volumes	volume	NOUN
ajfti-2325	20	9	but	but	CCONJ
ajfti-2325	20	10	in	in	ADP
ajfti-2325	20	11	its	its	PRON
ajfti-2325	20	12	potential	potential	NOUN
ajfti-2325	20	13	to	to	PART
ajfti-2325	20	14	democratize	democratize	VERB
ajfti-2325	20	15	access	access	NOUN
ajfti-2325	20	16	to	to	ADP
ajfti-2325	20	17	financial	financial	ADJ
ajfti-2325	20	18	services	service	NOUN
ajfti-2325	20	19	,	,	PUNCT
ajfti-2325	20	20	especially	especially	ADV
ajfti-2325	20	21	in	in	ADP
ajfti-2325	20	22	regions	region	NOUN
ajfti-2325	20	23	where	where	SCONJ
ajfti-2325	20	24	traditional	traditional	ADJ
ajfti-2325	20	25	banking	banking	NOUN
ajfti-2325	20	26	has	have	AUX
ajfti-2325	20	27	been	be	AUX
ajfti-2325	20	28	out	out	ADP
ajfti-2325	20	29	of	of	ADP
ajfti-2325	20	30	reach	reach	NOUN
ajfti-2325	20	31	for	for	ADP
ajfti-2325	20	32	many	many	ADJ
ajfti-2325	20	33	.	.	PUNCT
ajfti-2325	21	1	originally	originally	ADV
ajfti-2325	21	2	serving	serve	VERB
ajfti-2325	21	3	as	as	ADP
ajfti-2325	21	4	software	software	NOUN
ajfti-2325	21	5	support	support	NOUN
ajfti-2325	21	6	systems	system	NOUN
ajfti-2325	21	7	for	for	ADP
ajfti-2325	21	8	traditional	traditional	ADJ
ajfti-2325	21	9	banking	banking	NOUN
ajfti-2325	21	10	institutions	institution	NOUN
ajfti-2325	21	11	,	,	PUNCT
ajfti-2325	21	12	fintech	fintech	NOUN
ajfti-2325	21	13	has	have	AUX
ajfti-2325	21	14	transformed	transform	VERB
ajfti-2325	21	15	into	into	ADP
ajfti-2325	21	16	a	a	DET
ajfti-2325	21	17	robust	robust	ADJ
ajfti-2325	21	18	industry	industry	NOUN
ajfti-2325	21	19	,	,	PUNCT
ajfti-2325	21	20	offering	offer	VERB
ajfti-2325	21	21	a	a	DET
ajfti-2325	21	22	wide	wide	ADJ
ajfti-2325	21	23	range	range	NOUN
ajfti-2325	21	24	of	of	ADP
ajfti-2325	21	25	financial	financial	ADJ
ajfti-2325	21	26	services	service	NOUN
ajfti-2325	21	27	,	,	PUNCT
ajfti-2325	21	28	from	from	ADP
ajfti-2325	21	29	peer	peer	NOUN
ajfti-2325	21	30	-	-	PUNCT
ajfti-2325	21	31	to	to	ADP
ajfti-2325	21	32	-	-	PUNCT
ajfti-2325	21	33	peer	peer	NOUN
ajfti-2325	21	34	lending	lending	NOUN
ajfti-2325	21	35	platforms	platform	NOUN
ajfti-2325	21	36	to	to	ADP
ajfti-2325	21	37	automated	automate	VERB
ajfti-2325	21	38	wealth	wealth	NOUN
ajfti-2325	21	39	management	management	NOUN
ajfti-2325	21	40	solutions	solution	NOUN
ajfti-2325	21	41	(	(	PUNCT
ajfti-2325	21	42	schueffel	schueffel	NOUN
ajfti-2325	21	43	,	,	PUNCT
ajfti-2325	21	44	2017	2017	NUM
ajfti-2325	21	45	)	)	PUNCT
ajfti-2325	21	46	.	.	PUNCT
ajfti-2325	22	1	with	with	ADP
ajfti-2325	22	2	the	the	DET
ajfti-2325	22	3	global	global	ADJ
ajfti-2325	22	4	transaction	transaction	NOUN
ajfti-2325	22	5	value	value	NOUN
ajfti-2325	22	6	of	of	ADP
ajfti-2325	22	7	digital	digital	ADJ
ajfti-2325	22	8	payments	payment	NOUN
ajfti-2325	22	9	projected	project	VERB
ajfti-2325	22	10	to	to	PART
ajfti-2325	22	11	exceed	exceed	VERB
ajfti-2325	22	12	$	$	SYM
ajfti-2325	22	13	6.6	6.6	NUM
ajfti-2325	22	14	trillion	trillion	NUM
ajfti-2325	22	15	in	in	ADP
ajfti-2325	22	16	2021	2021	NUM
ajfti-2325	22	17	(	(	PUNCT
ajfti-2325	22	18	statista	statista	NOUN
ajfti-2325	22	19	,	,	PUNCT
ajfti-2325	22	20	2021	2021	NUM
ajfti-2325	22	21	)	)	PUNCT
ajfti-2325	22	22	,	,	PUNCT
ajfti-2325	22	23	instant	instant	ADJ
ajfti-2325	22	24	pay	pay	NOUN
ajfti-2325	22	25	transactions	transaction	NOUN
ajfti-2325	22	26	have	have	AUX
ajfti-2325	22	27	become	become	VERB
ajfti-2325	22	28	a	a	DET
ajfti-2325	22	29	central	central	ADJ
ajfti-2325	22	30	feature	feature	NOUN
ajfti-2325	22	31	in	in	ADP
ajfti-2325	22	32	the	the	DET
ajfti-2325	22	33	fintech	fintech	NOUN
ajfti-2325	22	34	landscape	landscape	NOUN
ajfti-2325	22	35	.	.	PUNCT
ajfti-2325	23	1	this	this	DET
ajfti-2325	23	2	mode	mode	NOUN
ajfti-2325	23	3	of	of	ADP
ajfti-2325	23	4	payment	payment	NOUN
ajfti-2325	23	5	assures	assure	VERB
ajfti-2325	23	6	real	real	ADJ
ajfti-2325	23	7	-	-	PUNCT
ajfti-2325	23	8	time	time	NOUN
ajfti-2325	23	9	transfers	transfer	NOUN
ajfti-2325	23	10	and	and	CCONJ
ajfti-2325	23	11	minimizes	minimize	VERB
ajfti-2325	23	12	transaction	transaction	NOUN
ajfti-2325	23	13	costs	cost	NOUN
ajfti-2325	23	14	,	,	PUNCT
ajfti-2325	23	15	augmenting	augment	VERB
ajfti-2325	23	16	economic	economic	ADJ
ajfti-2325	23	17	efficiency	efficiency	NOUN
ajfti-2325	23	18	.	.	PUNCT
ajfti-2325	24	1	when	when	SCONJ
ajfti-2325	24	2	leveraged	leverage	VERB
ajfti-2325	24	3	adequately	adequately	ADV
ajfti-2325	24	4	,	,	PUNCT
ajfti-2325	24	5	such	such	ADJ
ajfti-2325	24	6	transactions	transaction	NOUN
ajfti-2325	24	7	can	can	AUX
ajfti-2325	24	8	expedite	expedite	VERB
ajfti-2325	24	9	the	the	DET
ajfti-2325	24	10	velocity	velocity	NOUN
ajfti-2325	24	11	of	of	ADP
ajfti-2325	24	12	money	money	NOUN
ajfti-2325	24	13	,	,	PUNCT
ajfti-2325	24	14	enhancing	enhance	VERB
ajfti-2325	24	15	economic	economic	ADJ
ajfti-2325	24	16	activity	activity	NOUN
ajfti-2325	24	17	.	.	PUNCT
ajfti-2325	25	1	at	at	ADP
ajfti-2325	25	2	its	its	PRON
ajfti-2325	25	3	core	core	NOUN
ajfti-2325	25	4	,	,	PUNCT
ajfti-2325	25	5	fintech	fintech	NOUN
ajfti-2325	25	6	encompasses	encompass	VERB
ajfti-2325	25	7	a	a	DET
ajfti-2325	25	8	broad	broad	ADJ
ajfti-2325	25	9	range	range	NOUN
ajfti-2325	25	10	of	of	ADP
ajfti-2325	25	11	financial	financial	ADJ
ajfti-2325	25	12	operations	operation	NOUN
ajfti-2325	25	13	,	,	PUNCT
ajfti-2325	25	14	including	include	VERB
ajfti-2325	25	15	instant	instant	ADJ
ajfti-2325	25	16	pay	pay	NOUN
ajfti-2325	25	17	transactions	transaction	NOUN
ajfti-2325	25	18	,	,	PUNCT
ajfti-2325	25	19	internet	internet	NOUN
ajfti-2325	25	20	(	(	PUNCT
ajfti-2325	25	21	web	web	NOUN
ajfti-2325	25	22	)	)	PUNCT
ajfti-2325	25	23	transactions	transaction	NOUN
ajfti-2325	25	24	,	,	PUNCT
ajfti-2325	25	25	and	and	CCONJ
ajfti-2325	25	26	mobile	mobile	ADJ
ajfti-2325	25	27	payment	payment	NOUN
ajfti-2325	25	28	transactions	transaction	NOUN
ajfti-2325	25	29	.	.	PUNCT
ajfti-2325	26	1	instant	instant	ADJ
ajfti-2325	26	2	pay	pay	NOUN
ajfti-2325	26	3	transactions	transaction	NOUN
ajfti-2325	26	4	have	have	AUX
ajfti-2325	26	5	surged	surge	VERB
ajfti-2325	26	6	in	in	ADP
ajfti-2325	26	7	nigeria	nigeria	PROPN
ajfti-2325	26	8	.	.	PUNCT
ajfti-2325	27	1	per	per	ADP
ajfti-2325	27	2	the	the	DET
ajfti-2325	27	3	nigerian	nigerian	ADJ
ajfti-2325	27	4	inter	inter	ADJ
ajfti-2325	27	5	-	-	ADJ
ajfti-2325	27	6	bank	bank	ADJ
ajfti-2325	27	7	settlement	settlement	NOUN
ajfti-2325	27	8	system	system	NOUN
ajfti-2325	27	9	(	(	PUNCT
ajfti-2325	27	10	nibss	nibss	NOUN
ajfti-2325	27	11	)	)	PUNCT
ajfti-2325	27	12	,	,	PUNCT
ajfti-2325	27	13	these	these	DET
ajfti-2325	27	14	transactions	transaction	NOUN
ajfti-2325	27	15	rose	rise	VERB
ajfti-2325	27	16	from	from	ADP
ajfti-2325	27	17	just	just	ADV
ajfti-2325	27	18	a	a	DET
ajfti-2325	27	19	few	few	ADJ
ajfti-2325	27	20	million	million	NUM
ajfti-2325	27	21	in	in	ADP
ajfti-2325	27	22	2012	2012	NUM
ajfti-2325	27	23	to	to	ADP
ajfti-2325	27	24	over	over	ADP
ajfti-2325	27	25	1.5	1.5	NUM
ajfti-2325	27	26	billion	billion	NUM
ajfti-2325	27	27	transactions	transaction	NOUN
ajfti-2325	27	28	worth	worth	ADJ
ajfti-2325	27	29	83.89	83.89	NUM
ajfti-2325	27	30	trillion	trillion	NUM
ajfti-2325	27	31	naira	naira	NOUN
ajfti-2325	27	32	in	in	ADP
ajfti-2325	27	33	2019	2019	NUM
ajfti-2325	27	34	,	,	PUNCT
ajfti-2325	27	35	indicating	indicate	VERB
ajfti-2325	27	36	increasing	increase	VERB
ajfti-2325	27	37	adoption	adoption	NOUN
ajfti-2325	27	38	(	(	PUNCT
ajfti-2325	27	39	nibss	nibss	NOUN
ajfti-2325	27	40	,	,	PUNCT
ajfti-2325	27	41	2020	2020	NUM
ajfti-2325	27	42	)	)	PUNCT
ajfti-2325	27	43	.	.	PUNCT
ajfti-2325	28	1	this	this	DET
ajfti-2325	28	2	drastic	drastic	ADJ
ajfti-2325	28	3	shift	shift	NOUN
ajfti-2325	28	4	signifies	signify	VERB
ajfti-2325	28	5	the	the	DET
ajfti-2325	28	6	growing	grow	VERB
ajfti-2325	28	7	acceptance	acceptance	NOUN
ajfti-2325	28	8	of	of	ADP
ajfti-2325	28	9	fintech	fintech	NOUN
ajfti-2325	28	10	and	and	CCONJ
ajfti-2325	28	11	points	point	NOUN
ajfti-2325	28	12	to	to	ADP
ajfti-2325	28	13	its	its	PRON
ajfti-2325	28	14	positive	positive	ADJ
ajfti-2325	28	15	impact	impact	NOUN
ajfti-2325	28	16	on	on	ADP
ajfti-2325	28	17	economic	economic	ADJ
ajfti-2325	28	18	growth	growth	NOUN
ajfti-2325	28	19	by	by	ADP
ajfti-2325	28	20	increasing	increase	VERB
ajfti-2325	28	21	transaction	transaction	NOUN
ajfti-2325	28	22	velocity	velocity	NOUN
ajfti-2325	28	23	and	and	CCONJ
ajfti-2325	28	24	facilitating	facilitate	VERB
ajfti-2325	28	25	commerce	commerce	NOUN
ajfti-2325	28	26	.	.	PUNCT
ajfti-2325	29	1	equally	equally	ADV
ajfti-2325	29	2	transformative	transformative	ADJ
ajfti-2325	29	3	is	be	AUX
ajfti-2325	29	4	the	the	DET
ajfti-2325	29	5	rise	rise	NOUN
ajfti-2325	29	6	of	of	ADP
ajfti-2325	29	7	internet	internet	NOUN
ajfti-2325	29	8	(	(	PUNCT
ajfti-2325	29	9	web	web	NOUN
ajfti-2325	29	10	)	)	PUNCT
ajfti-2325	29	11	transactions	transaction	NOUN
ajfti-2325	29	12	.	.	PUNCT
ajfti-2325	30	1	e	e	X
ajfti-2325	30	2	-	-	NOUN
ajfti-2325	30	3	commerce	commerce	NOUN
ajfti-2325	30	4	platforms	platform	NOUN
ajfti-2325	30	5	like	like	ADP
ajfti-2325	30	6	jumia	jumia	PROPN
ajfti-2325	30	7	and	and	CCONJ
ajfti-2325	30	8	konga	konga	PROPN
ajfti-2325	30	9	,	,	PUNCT
ajfti-2325	30	10	supported	support	VERB
ajfti-2325	30	11	by	by	ADP
ajfti-2325	30	12	secure	secure	ADJ
ajfti-2325	30	13	web	web	NOUN
ajfti-2325	30	14	transaction	transaction	NOUN
ajfti-2325	30	15	systems	system	NOUN
ajfti-2325	30	16	,	,	PUNCT
ajfti-2325	30	17	have	have	AUX
ajfti-2325	30	18	seen	see	VERB
ajfti-2325	30	19	exponential	exponential	ADJ
ajfti-2325	30	20	growth	growth	NOUN
ajfti-2325	30	21	.	.	PUNCT
ajfti-2325	31	1	according	accord	VERB
ajfti-2325	31	2	to	to	ADP
ajfti-2325	31	3	statista	statista	NOUN
ajfti-2325	31	4	(	(	PUNCT
ajfti-2325	31	5	2020	2020	NUM
ajfti-2325	31	6	)	)	PUNCT
ajfti-2325	31	7	,	,	PUNCT
ajfti-2325	31	8	the	the	DET
ajfti-2325	31	9	nigerian	nigerian	ADJ
ajfti-2325	31	10	e	e	PROPN
ajfti-2325	31	11	-	-	PROPN
ajfti-2325	31	12	commerce	commerce	NOUN
ajfti-2325	31	13	market	market	NOUN
ajfti-2325	31	14	was	be	AUX
ajfti-2325	31	15	valued	value	VERB
ajfti-2325	31	16	at	at	ADP
ajfti-2325	31	17	over	over	ADP
ajfti-2325	31	18	$	$	SYM
ajfti-2325	31	19	12	12	NUM
ajfti-2325	31	20	billion	billion	NUM
ajfti-2325	31	21	in	in	ADP
ajfti-2325	31	22	2019	2019	NUM
ajfti-2325	31	23	,	,	PUNCT
ajfti-2325	31	24	with	with	ADP
ajfti-2325	31	25	projections	projection	NOUN
ajfti-2325	31	26	of	of	ADP
ajfti-2325	31	27	further	further	ADJ
ajfti-2325	31	28	significant	significant	ADJ
ajfti-2325	31	29	growth	growth	NOUN
ajfti-2325	31	30	,	,	PUNCT
ajfti-2325	31	31	all	all	PRON
ajfti-2325	31	32	enabled	enable	VERB
ajfti-2325	31	33	by	by	ADP
ajfti-2325	31	34	the	the	DET
ajfti-2325	31	35	robust	robust	ADJ
ajfti-2325	31	36	web	web	NOUN
ajfti-2325	31	37	transaction	transaction	NOUN
ajfti-2325	31	38	infrastructure	infrastructure	NOUN
ajfti-2325	31	39	underpinning	underpin	VERB
ajfti-2325	31	40	the	the	DET
ajfti-2325	31	41	fintech	fintech	NOUN
ajfti-2325	31	42	ecosystem	ecosystem	NOUN
ajfti-2325	31	43	.	.	PUNCT
ajfti-2325	32	1	mobile	mobile	ADJ
ajfti-2325	32	2	payment	payment	NOUN
ajfti-2325	32	3	transactions	transaction	NOUN
ajfti-2325	32	4	in	in	ADP
ajfti-2325	32	5	nigeria	nigeria	PROPN
ajfti-2325	32	6	present	present	VERB
ajfti-2325	32	7	another	another	DET
ajfti-2325	32	8	intriguing	intriguing	ADJ
ajfti-2325	32	9	case	case	NOUN
ajfti-2325	32	10	study	study	NOUN
ajfti-2325	32	11	.	.	PUNCT
ajfti-2325	33	1	with	with	ADP
ajfti-2325	33	2	the	the	DET
ajfti-2325	33	3	proliferation	proliferation	NOUN
ajfti-2325	33	4	of	of	ADP
ajfti-2325	33	5	mobile	mobile	ADJ
ajfti-2325	33	6	phones	phone	NOUN
ajfti-2325	33	7	,	,	PUNCT
ajfti-2325	33	8	over	over	ADP
ajfti-2325	33	9	100	100	NUM
ajfti-2325	33	10	million	million	NUM
ajfti-2325	33	11	nigerians	nigerians	PROPN
ajfti-2325	33	12	can	can	AUX
ajfti-2325	33	13	access	access	VERB
ajfti-2325	33	14	mobile	mobile	ADJ
ajfti-2325	33	15	services	service	NOUN
ajfti-2325	33	16	(	(	PUNCT
ajfti-2325	33	17	nigerian	nigerian	ADJ
ajfti-2325	33	18	communications	communication	NOUN
ajfti-2325	33	19	commission	commission	PROPN
ajfti-2325	33	20	,	,	PUNCT
ajfti-2325	33	21	2020	2020	NUM
ajfti-2325	33	22	)	)	PUNCT
ajfti-2325	33	23	.	.	PUNCT
ajfti-2325	34	1	1	1	NUM
ajfti-2325	34	2	department	department	NOUN
ajfti-2325	34	3	of	of	ADP
ajfti-2325	34	4	economics	economic	NOUN
ajfti-2325	34	5	,	,	PUNCT
ajfti-2325	34	6	bingham	bingham	PROPN
ajfti-2325	34	7	university	university	PROPN
ajfti-2325	34	8	,	,	PUNCT
ajfti-2325	34	9	karu	karu	PROPN
ajfti-2325	34	10	,	,	PUNCT
ajfti-2325	34	11	nasarawa	nasarawa	PROPN
ajfti-2325	34	12	state	state	PROPN
ajfti-2325	34	13	,	,	PUNCT
ajfti-2325	34	14	nigeria	nigeria	PROPN
ajfti-2325	34	15	*	*	PUNCT
ajfti-2325	34	16	corresponding	correspond	VERB
ajfti-2325	34	17	author	author	NOUN
ajfti-2325	34	18	’s	’s	PART
ajfti-2325	34	19	e	e	NOUN
ajfti-2325	34	20	-	-	NOUN
ajfti-2325	34	21	mail	mail	NOUN
ajfti-2325	34	22	:	:	PUNCT
ajfti-2325	34	23	eobumneke@yahoo.com	eobumneke@yahoo.com	X
ajfti-2325	35	1	pa	pa	PROPN
ajfti-2325	35	2	ge	ge	PROPN
ajfti-2325	35	3	36	36	NUM
ajfti-2325	35	4	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	NOUN
ajfti-2325	35	5	am	be	AUX
ajfti-2325	35	6	.	.	PUNCT
ajfti-2325	36	1	j.	j.	PROPN
ajfti-2325	36	2	financ	financ	PROPN
ajfti-2325	36	3	.	.	PUNCT
ajfti-2325	37	1	technol	technol	PROPN
ajfti-2325	37	2	.	.	PUNCT
ajfti-2325	37	3	innov	innov	PROPN
ajfti-2325	37	4	.	.	PUNCT
ajfti-2325	38	1	1(1	1(1	NUM
ajfti-2325	38	2	)	)	PUNCT
ajfti-2325	38	3	35	35	NUM
ajfti-2325	38	4	-	-	SYM
ajfti-2325	38	5	45	45	NUM
ajfti-2325	38	6	,	,	PUNCT
ajfti-2325	38	7	2023	2023	NUM
ajfti-2325	38	8	this	this	DET
ajfti-2325	38	9	widespread	widespread	ADJ
ajfti-2325	38	10	access	access	NOUN
ajfti-2325	38	11	has	have	AUX
ajfti-2325	38	12	been	be	AUX
ajfti-2325	38	13	leveraged	leverage	VERB
ajfti-2325	38	14	by	by	ADP
ajfti-2325	38	15	fintech	fintech	NOUN
ajfti-2325	38	16	startups	startup	NOUN
ajfti-2325	38	17	like	like	AUX
ajfti-2325	38	18	flutterwave	flutterwave	VERB
ajfti-2325	38	19	and	and	CCONJ
ajfti-2325	38	20	paystack	paystack	VERB
ajfti-2325	38	21	to	to	PART
ajfti-2325	38	22	provide	provide	VERB
ajfti-2325	38	23	mobilebased	mobilebase	VERB
ajfti-2325	38	24	payment	payment	NOUN
ajfti-2325	38	25	solutions	solution	NOUN
ajfti-2325	38	26	.	.	PUNCT
ajfti-2325	39	1	the	the	DET
ajfti-2325	39	2	convenience	convenience	NOUN
ajfti-2325	39	3	of	of	ADP
ajfti-2325	39	4	mobile	mobile	ADJ
ajfti-2325	39	5	money	money	NOUN
ajfti-2325	39	6	,	,	PUNCT
ajfti-2325	39	7	like	like	ADP
ajfti-2325	39	8	mtn	mtn	PROPN
ajfti-2325	39	9	’s	’s	PART
ajfti-2325	39	10	momo	momo	NOUN
ajfti-2325	39	11	and	and	CCONJ
ajfti-2325	39	12	airtel	airtel	PROPN
ajfti-2325	39	13	money	money	NOUN
ajfti-2325	39	14	,	,	PUNCT
ajfti-2325	39	15	means	mean	VERB
ajfti-2325	39	16	that	that	SCONJ
ajfti-2325	39	17	even	even	ADV
ajfti-2325	39	18	those	those	PRON
ajfti-2325	39	19	without	without	ADP
ajfti-2325	39	20	a	a	DET
ajfti-2325	39	21	traditional	traditional	ADJ
ajfti-2325	39	22	bank	bank	NOUN
ajfti-2325	39	23	account	account	NOUN
ajfti-2325	39	24	can	can	AUX
ajfti-2325	39	25	now	now	ADV
ajfti-2325	39	26	participate	participate	VERB
ajfti-2325	39	27	in	in	ADP
ajfti-2325	39	28	the	the	DET
ajfti-2325	39	29	economy	economy	NOUN
ajfti-2325	39	30	,	,	PUNCT
ajfti-2325	39	31	make	make	VERB
ajfti-2325	39	32	transactions	transaction	NOUN
ajfti-2325	39	33	,	,	PUNCT
ajfti-2325	39	34	save	save	VERB
ajfti-2325	39	35	,	,	PUNCT
ajfti-2325	39	36	or	or	CCONJ
ajfti-2325	39	37	even	even	ADV
ajfti-2325	39	38	access	access	NOUN
ajfti-2325	39	39	loans	loan	NOUN
ajfti-2325	39	40	.	.	PUNCT
ajfti-2325	40	1	the	the	DET
ajfti-2325	40	2	central	central	ADJ
ajfti-2325	40	3	bank	bank	PROPN
ajfti-2325	40	4	of	of	ADP
ajfti-2325	40	5	nigeria	nigeria	PROPN
ajfti-2325	40	6	reported	report	VERB
ajfti-2325	40	7	that	that	SCONJ
ajfti-2325	40	8	mobile	mobile	ADJ
ajfti-2325	40	9	payment	payment	NOUN
ajfti-2325	40	10	transactions	transaction	NOUN
ajfti-2325	40	11	rose	rise	VERB
ajfti-2325	40	12	from	from	ADP
ajfti-2325	40	13	a	a	DET
ajfti-2325	40	14	mere	mere	ADJ
ajfti-2325	40	15	2	2	NUM
ajfti-2325	40	16	billion	billion	NUM
ajfti-2325	40	17	naira	naira	NOUN
ajfti-2325	40	18	in	in	ADP
ajfti-2325	40	19	2012	2012	NUM
ajfti-2325	40	20	to	to	ADP
ajfti-2325	40	21	an	an	DET
ajfti-2325	40	22	impressive	impressive	ADJ
ajfti-2325	40	23	5	5	NUM
ajfti-2325	40	24	trillion	trillion	NUM
ajfti-2325	40	25	naira	naira	NOUN
ajfti-2325	40	26	in	in	ADP
ajfti-2325	40	27	2019	2019	NUM
ajfti-2325	40	28	(	(	PUNCT
ajfti-2325	40	29	central	central	ADJ
ajfti-2325	40	30	bank	bank	NOUN
ajfti-2325	40	31	of	of	ADP
ajfti-2325	40	32	nigeria	nigeria	PROPN
ajfti-2325	40	33	,	,	PUNCT
ajfti-2325	40	34	2020	2020	NUM
ajfti-2325	40	35	)	)	PUNCT
ajfti-2325	40	36	.	.	PUNCT
ajfti-2325	41	1	achieving	achieve	VERB
ajfti-2325	41	2	inclusive	inclusive	ADJ
ajfti-2325	41	3	economic	economic	ADJ
ajfti-2325	41	4	growth	growth	NOUN
ajfti-2325	41	5	and	and	CCONJ
ajfti-2325	41	6	sustainable	sustainable	ADJ
ajfti-2325	41	7	development	development	NOUN
ajfti-2325	41	8	has	have	AUX
ajfti-2325	41	9	remained	remain	VERB
ajfti-2325	41	10	one	one	NUM
ajfti-2325	41	11	of	of	ADP
ajfti-2325	41	12	the	the	DET
ajfti-2325	41	13	core	core	ADJ
ajfti-2325	41	14	macroeconomic	macroeconomic	ADJ
ajfti-2325	41	15	objectives	objective	NOUN
ajfti-2325	41	16	of	of	ADP
ajfti-2325	41	17	all	all	DET
ajfti-2325	41	18	economies	economy	NOUN
ajfti-2325	41	19	irrespective	irrespective	ADV
ajfti-2325	41	20	of	of	ADP
ajfti-2325	41	21	the	the	DET
ajfti-2325	41	22	level	level	NOUN
ajfti-2325	41	23	of	of	ADP
ajfti-2325	41	24	development	development	NOUN
ajfti-2325	41	25	.	.	PUNCT
ajfti-2325	42	1	the	the	DET
ajfti-2325	42	2	relationship	relationship	NOUN
ajfti-2325	42	3	between	between	ADP
ajfti-2325	42	4	financial	financial	ADJ
ajfti-2325	42	5	development	development	NOUN
ajfti-2325	42	6	and	and	CCONJ
ajfti-2325	42	7	growth	growth	NOUN
ajfti-2325	42	8	has	have	AUX
ajfti-2325	42	9	since	since	SCONJ
ajfti-2325	42	10	remained	remain	VERB
ajfti-2325	42	11	topical	topical	ADJ
ajfti-2325	42	12	issue	issue	NOUN
ajfti-2325	42	13	in	in	ADP
ajfti-2325	42	14	the	the	DET
ajfti-2325	42	15	finance	finance	NOUN
ajfti-2325	42	16	literature	literature	NOUN
ajfti-2325	42	17	.	.	PUNCT
ajfti-2325	43	1	nigeria	nigeria	PROPN
ajfti-2325	43	2	,	,	PUNCT
ajfti-2325	43	3	often	often	ADV
ajfti-2325	43	4	referred	refer	VERB
ajfti-2325	43	5	to	to	ADP
ajfti-2325	43	6	as	as	SCONJ
ajfti-2325	43	7	the	the	DET
ajfti-2325	43	8	“	"	PUNCT
ajfti-2325	43	9	giant	giant	NOUN
ajfti-2325	43	10	of	of	ADP
ajfti-2325	43	11	africa	africa	PROPN
ajfti-2325	43	12	”	"	PUNCT
ajfti-2325	43	13	due	due	ADP
ajfti-2325	43	14	to	to	ADP
ajfti-2325	43	15	its	its	PRON
ajfti-2325	43	16	vast	vast	ADJ
ajfti-2325	43	17	population	population	NOUN
ajfti-2325	43	18	and	and	CCONJ
ajfti-2325	43	19	rich	rich	ADJ
ajfti-2325	43	20	natural	natural	ADJ
ajfti-2325	43	21	resources	resource	NOUN
ajfti-2325	43	22	,	,	PUNCT
ajfti-2325	43	23	has	have	VERB
ajfti-2325	43	24	an	an	DET
ajfti-2325	43	25	economy	economy	NOUN
ajfti-2325	43	26	that	that	PRON
ajfti-2325	43	27	has	have	AUX
ajfti-2325	43	28	undergone	undergo	VERB
ajfti-2325	43	29	significant	significant	ADJ
ajfti-2325	43	30	transformation	transformation	NOUN
ajfti-2325	43	31	in	in	ADP
ajfti-2325	43	32	the	the	DET
ajfti-2325	43	33	last	last	ADJ
ajfti-2325	43	34	decade	decade	NOUN
ajfti-2325	43	35	.	.	PUNCT
ajfti-2325	44	1	historically	historically	ADV
ajfti-2325	44	2	dependent	dependent	ADJ
ajfti-2325	44	3	on	on	ADP
ajfti-2325	44	4	oil	oil	NOUN
ajfti-2325	44	5	,	,	PUNCT
ajfti-2325	44	6	efforts	effort	NOUN
ajfti-2325	44	7	have	have	AUX
ajfti-2325	44	8	been	be	AUX
ajfti-2325	44	9	made	make	VERB
ajfti-2325	44	10	to	to	PART
ajfti-2325	44	11	diversify	diversify	VERB
ajfti-2325	44	12	the	the	DET
ajfti-2325	44	13	economy	economy	NOUN
ajfti-2325	44	14	with	with	ADP
ajfti-2325	44	15	increased	increase	VERB
ajfti-2325	44	16	focus	focus	NOUN
ajfti-2325	44	17	on	on	ADP
ajfti-2325	44	18	sectors	sector	NOUN
ajfti-2325	44	19	like	like	ADP
ajfti-2325	44	20	agriculture	agriculture	NOUN
ajfti-2325	44	21	,	,	PUNCT
ajfti-2325	44	22	telecommunications	telecommunication	NOUN
ajfti-2325	44	23	,	,	PUNCT
ajfti-2325	44	24	and	and	CCONJ
ajfti-2325	44	25	services	service	NOUN
ajfti-2325	44	26	.	.	PUNCT
ajfti-2325	45	1	the	the	DET
ajfti-2325	45	2	world	world	PROPN
ajfti-2325	45	3	bank	bank	PROPN
ajfti-2325	45	4	(	(	PUNCT
ajfti-2325	45	5	2023	2023	NUM
ajfti-2325	45	6	)	)	PUNCT
ajfti-2325	45	7	reports	report	VERB
ajfti-2325	45	8	that	that	SCONJ
ajfti-2325	45	9	while	while	SCONJ
ajfti-2325	45	10	nigeria	nigeria	PROPN
ajfti-2325	45	11	’s	’s	PART
ajfti-2325	45	12	gdp	gdp	NOUN
ajfti-2325	45	13	stood	stand	VERB
ajfti-2325	45	14	at	at	ADP
ajfti-2325	45	15	$	$	SYM
ajfti-2325	45	16	445.12	445.12	NUM
ajfti-2325	45	17	billion	billion	NUM
ajfti-2325	45	18	in	in	ADP
ajfti-2325	45	19	2022	2022	NUM
ajfti-2325	45	20	,	,	PUNCT
ajfti-2325	45	21	an	an	DET
ajfti-2325	45	22	underlying	underlie	VERB
ajfti-2325	45	23	issue	issue	NOUN
ajfti-2325	45	24	has	have	AUX
ajfti-2325	45	25	been	be	AUX
ajfti-2325	45	26	the	the	DET
ajfti-2325	45	27	limited	limited	ADJ
ajfti-2325	45	28	access	access	NOUN
ajfti-2325	45	29	to	to	ADP
ajfti-2325	45	30	financial	financial	ADJ
ajfti-2325	45	31	services	service	NOUN
ajfti-2325	45	32	for	for	ADP
ajfti-2325	45	33	a	a	DET
ajfti-2325	45	34	significant	significant	ADJ
ajfti-2325	45	35	portion	portion	NOUN
ajfti-2325	45	36	of	of	ADP
ajfti-2325	45	37	its	its	PRON
ajfti-2325	45	38	nearly	nearly	ADV
ajfti-2325	45	39	200	200	NUM
ajfti-2325	45	40	million	million	NUM
ajfti-2325	45	41	populace	populace	NOUN
ajfti-2325	45	42	.	.	PUNCT
ajfti-2325	46	1	with	with	ADP
ajfti-2325	46	2	only	only	ADV
ajfti-2325	46	3	about	about	ADV
ajfti-2325	46	4	60	60	NUM
ajfti-2325	46	5	%	%	NOUN
ajfti-2325	46	6	of	of	ADP
ajfti-2325	46	7	nigerian	nigerian	ADJ
ajfti-2325	46	8	adults	adult	NOUN
ajfti-2325	46	9	having	have	VERB
ajfti-2325	46	10	access	access	NOUN
ajfti-2325	46	11	to	to	ADP
ajfti-2325	46	12	formal	formal	ADJ
ajfti-2325	46	13	financial	financial	ADJ
ajfti-2325	46	14	services	service	NOUN
ajfti-2325	46	15	as	as	ADP
ajfti-2325	46	16	of	of	ADP
ajfti-2325	46	17	2018	2018	NUM
ajfti-2325	46	18	,	,	PUNCT
ajfti-2325	46	19	according	accord	VERB
ajfti-2325	46	20	to	to	ADP
ajfti-2325	46	21	the	the	DET
ajfti-2325	46	22	central	central	ADJ
ajfti-2325	46	23	bank	bank	PROPN
ajfti-2325	46	24	of	of	ADP
ajfti-2325	46	25	nigeria	nigeria	PROPN
ajfti-2325	46	26	,	,	PUNCT
ajfti-2325	46	27	there	there	PRON
ajfti-2325	46	28	is	be	VERB
ajfti-2325	46	29	a	a	DET
ajfti-2325	46	30	vast	vast	ADJ
ajfti-2325	46	31	untapped	untapped	ADJ
ajfti-2325	46	32	potential	potential	NOUN
ajfti-2325	46	33	that	that	SCONJ
ajfti-2325	46	34	fintech	fintech	NOUN
ajfti-2325	46	35	promises	promise	VERB
ajfti-2325	46	36	to	to	PART
ajfti-2325	46	37	unlock	unlock	VERB
ajfti-2325	46	38	.	.	PUNCT
ajfti-2325	47	1	despite	despite	SCONJ
ajfti-2325	47	2	nigeria	nigeria	PROPN
ajfti-2325	47	3	’s	’s	PART
ajfti-2325	47	4	status	status	NOUN
ajfti-2325	47	5	as	as	ADP
ajfti-2325	47	6	africa	africa	PROPN
ajfti-2325	47	7	’s	’s	PART
ajfti-2325	47	8	largest	large	ADJ
ajfti-2325	47	9	economy	economy	NOUN
ajfti-2325	47	10	,	,	PUNCT
ajfti-2325	47	11	with	with	ADP
ajfti-2325	47	12	a	a	DET
ajfti-2325	47	13	gdp	gdp	NOUN
ajfti-2325	47	14	surpassing	surpass	VERB
ajfti-2325	47	15	$	$	SYM
ajfti-2325	47	16	450	450	NUM
ajfti-2325	47	17	billion	billion	NUM
ajfti-2325	47	18	,	,	PUNCT
ajfti-2325	47	19	its	its	PRON
ajfti-2325	47	20	annual	annual	ADJ
ajfti-2325	47	21	growth	growth	NOUN
ajfti-2325	47	22	rates	rate	NOUN
ajfti-2325	47	23	have	have	AUX
ajfti-2325	47	24	often	often	ADV
ajfti-2325	47	25	lagged	lag	VERB
ajfti-2325	47	26	,	,	PUNCT
ajfti-2325	47	27	averaging	average	VERB
ajfti-2325	47	28	around	around	ADP
ajfti-2325	47	29	2.2	2.2	NUM
ajfti-2325	47	30	%	%	NOUN
ajfti-2325	47	31	in	in	ADP
ajfti-2325	47	32	the	the	DET
ajfti-2325	47	33	last	last	ADJ
ajfti-2325	47	34	decade	decade	NOUN
ajfti-2325	47	35	(	(	PUNCT
ajfti-2325	47	36	imf	imf	PROPN
ajfti-2325	47	37	,	,	PUNCT
ajfti-2325	47	38	2021	2021	NUM
ajfti-2325	47	39	)	)	PUNCT
ajfti-2325	47	40	.	.	PUNCT
ajfti-2325	48	1	while	while	SCONJ
ajfti-2325	48	2	gdp	gdp	NOUN
ajfti-2325	48	3	growth	growth	NOUN
ajfti-2325	48	4	rate	rate	NOUN
ajfti-2325	48	5	for	for	ADP
ajfti-2325	48	6	2021	2021	NUM
ajfti-2325	48	7	was	be	AUX
ajfti-2325	48	8	3.40	3.40	NUM
ajfti-2325	48	9	%	%	NOUN
ajfti-2325	48	10	,	,	PUNCT
ajfti-2325	48	11	a	a	DET
ajfti-2325	48	12	5.44	5.44	NUM
ajfti-2325	48	13	%	%	NOUN
ajfti-2325	48	14	increase	increase	NOUN
ajfti-2325	48	15	from	from	ADP
ajfti-2325	48	16	2020	2020	NUM
ajfti-2325	48	17	.	.	PUNCT
ajfti-2325	49	1	gdp	gdp	NOUN
ajfti-2325	49	2	growth	growth	NOUN
ajfti-2325	49	3	rate	rate	NOUN
ajfti-2325	49	4	for	for	ADP
ajfti-2325	49	5	2020	2020	NUM
ajfti-2325	49	6	was	be	AUX
ajfti-2325	49	7	-1.79	-1.79	NOUN
ajfti-2325	49	8	%	%	NOUN
ajfti-2325	49	9	,	,	PUNCT
ajfti-2325	49	10	a	a	DET
ajfti-2325	49	11	4	4	NUM
ajfti-2325	49	12	%	%	NOUN
ajfti-2325	49	13	decline	decline	NOUN
ajfti-2325	49	14	from	from	ADP
ajfti-2325	49	15	2019	2019	NUM
ajfti-2325	49	16	.	.	PUNCT
ajfti-2325	50	1	nigeria	nigeria	PROPN
ajfti-2325	50	2	gdp	gdp	PROPN
ajfti-2325	50	3	growth	growth	NOUN
ajfti-2325	50	4	rate	rate	NOUN
ajfti-2325	50	5	for	for	ADP
ajfti-2325	50	6	2019	2019	NUM
ajfti-2325	50	7	was	be	AUX
ajfti-2325	50	8	2.21	2.21	NUM
ajfti-2325	50	9	%	%	NOUN
ajfti-2325	50	10	,	,	PUNCT
ajfti-2325	50	11	a	a	DET
ajfti-2325	50	12	0.29	0.29	NUM
ajfti-2325	50	13	%	%	NOUN
ajfti-2325	50	14	increase	increase	NOUN
ajfti-2325	50	15	from	from	ADP
ajfti-2325	50	16	2018	2018	NUM
ajfti-2325	50	17	.	.	PUNCT
ajfti-2325	51	1	this	this	DET
ajfti-2325	51	2	sluggish	sluggish	ADJ
ajfti-2325	51	3	growth	growth	NOUN
ajfti-2325	51	4	has	have	AUX
ajfti-2325	51	5	been	be	AUX
ajfti-2325	51	6	accompanied	accompany	VERB
ajfti-2325	51	7	by	by	ADP
ajfti-2325	51	8	persistently	persistently	ADV
ajfti-2325	51	9	high	high	ADJ
ajfti-2325	51	10	unemployment	unemployment	NOUN
ajfti-2325	51	11	rates	rate	NOUN
ajfti-2325	51	12	and	and	CCONJ
ajfti-2325	51	13	a	a	DET
ajfti-2325	51	14	widening	widen	VERB
ajfti-2325	51	15	wealth	wealth	NOUN
ajfti-2325	51	16	gap	gap	NOUN
ajfti-2325	51	17	.	.	PUNCT
ajfti-2325	52	1	this	this	DET
ajfti-2325	52	2	paradoxical	paradoxical	ADJ
ajfti-2325	52	3	scenario	scenario	NOUN
ajfti-2325	52	4	,	,	PUNCT
ajfti-2325	52	5	where	where	SCONJ
ajfti-2325	52	6	a	a	DET
ajfti-2325	52	7	robust	robust	ADJ
ajfti-2325	52	8	economic	economic	ADJ
ajfti-2325	52	9	structure	structure	NOUN
ajfti-2325	52	10	coexists	coexist	VERB
ajfti-2325	52	11	with	with	ADP
ajfti-2325	52	12	subdued	subdued	ADJ
ajfti-2325	52	13	growth	growth	NOUN
ajfti-2325	52	14	rates	rate	NOUN
ajfti-2325	52	15	,	,	PUNCT
ajfti-2325	52	16	raises	raise	VERB
ajfti-2325	52	17	pressing	press	VERB
ajfti-2325	52	18	questions	question	NOUN
ajfti-2325	52	19	about	about	ADP
ajfti-2325	52	20	the	the	DET
ajfti-2325	52	21	efficacy	efficacy	NOUN
ajfti-2325	52	22	of	of	ADP
ajfti-2325	52	23	interventions	intervention	NOUN
ajfti-2325	52	24	.	.	PUNCT
ajfti-2325	53	1	therefore	therefore	ADV
ajfti-2325	53	2	,	,	PUNCT
ajfti-2325	53	3	given	give	VERB
ajfti-2325	53	4	the	the	DET
ajfti-2325	53	5	universally	universally	ADV
ajfti-2325	53	6	acknowledged	acknowledge	VERB
ajfti-2325	53	7	potential	potential	NOUN
ajfti-2325	53	8	of	of	ADP
ajfti-2325	53	9	fintech	fintech	NOUN
ajfti-2325	53	10	as	as	ADP
ajfti-2325	53	11	a	a	DET
ajfti-2325	53	12	catalyst	catalyst	NOUN
ajfti-2325	53	13	for	for	ADP
ajfti-2325	53	14	economic	economic	ADJ
ajfti-2325	53	15	growth	growth	NOUN
ajfti-2325	53	16	,	,	PUNCT
ajfti-2325	53	17	the	the	DET
ajfti-2325	53	18	underwhelming	underwhelming	ADJ
ajfti-2325	53	19	performance	performance	NOUN
ajfti-2325	53	20	of	of	ADP
ajfti-2325	53	21	nigerian	nigerian	ADJ
ajfti-2325	53	22	economy	economy	NOUN
ajfti-2325	53	23	is	be	AUX
ajfti-2325	53	24	disturbing	disturbing	ADJ
ajfti-2325	53	25	,	,	PUNCT
ajfti-2325	53	26	and	and	CCONJ
ajfti-2325	53	27	as	as	ADP
ajfti-2325	53	28	such	such	ADJ
ajfti-2325	53	29	it	it	PRON
ajfti-2325	53	30	is	be	AUX
ajfti-2325	53	31	of	of	ADP
ajfti-2325	53	32	interest	interest	NOUN
ajfti-2325	53	33	in	in	ADP
ajfti-2325	53	34	this	this	DET
ajfti-2325	53	35	study	study	NOUN
ajfti-2325	53	36	to	to	PART
ajfti-2325	53	37	investigate	investigate	VERB
ajfti-2325	53	38	the	the	DET
ajfti-2325	53	39	impact	impact	NOUN
ajfti-2325	53	40	of	of	ADP
ajfti-2325	53	41	financial	financial	ADJ
ajfti-2325	53	42	technology	technology	NOUN
ajfti-2325	53	43	on	on	ADP
ajfti-2325	53	44	economic	economic	ADJ
ajfti-2325	53	45	growth	growth	NOUN
ajfti-2325	53	46	in	in	ADP
ajfti-2325	53	47	nigeria	nigeria	PRON
ajfti-2325	53	48	between	between	ADP
ajfti-2325	53	49	2012q1	2012q1	PROPN
ajfti-2325	53	50	and	and	CCONJ
ajfti-2325	53	51	2022q4	2022q4	PROPN
ajfti-2325	53	52	.	.	PUNCT
ajfti-2325	54	1	the	the	DET
ajfti-2325	54	2	study	study	NOUN
ajfti-2325	54	3	addressed	address	VERB
ajfti-2325	54	4	the	the	DET
ajfti-2325	54	5	following	follow	VERB
ajfti-2325	54	6	research	research	NOUN
ajfti-2325	54	7	objectives	objective	NOUN
ajfti-2325	54	8	,	,	PUNCT
ajfti-2325	54	9	and	and	CCONJ
ajfti-2325	54	10	they	they	PRON
ajfti-2325	54	11	are	be	AUX
ajfti-2325	54	12	to	to	PART
ajfti-2325	54	13	:	:	PUNCT
ajfti-2325	54	14	i.	i.	NOUN
ajfti-2325	54	15	examine	examine	VERB
ajfti-2325	54	16	the	the	DET
ajfti-2325	54	17	impact	impact	NOUN
ajfti-2325	54	18	of	of	ADP
ajfti-2325	54	19	instant	instant	ADJ
ajfti-2325	54	20	pay	pay	NOUN
ajfti-2325	54	21	transactions	transaction	NOUN
ajfti-2325	54	22	on	on	ADP
ajfti-2325	54	23	economic	economic	ADJ
ajfti-2325	54	24	growth	growth	NOUN
ajfti-2325	54	25	in	in	ADP
ajfti-2325	54	26	nigeria	nigeria	PROPN
ajfti-2325	54	27	ii	ii	PROPN
ajfti-2325	54	28	.	.	PUNCT
ajfti-2325	55	1	analyse	analyse	VERB
ajfti-2325	55	2	the	the	DET
ajfti-2325	55	3	impact	impact	NOUN
ajfti-2325	55	4	of	of	ADP
ajfti-2325	55	5	internet	internet	NOUN
ajfti-2325	55	6	(	(	PUNCT
ajfti-2325	55	7	web	web	NOUN
ajfti-2325	55	8	)	)	PUNCT
ajfti-2325	55	9	transactions	transaction	NOUN
ajfti-2325	55	10	on	on	ADP
ajfti-2325	55	11	economic	economic	ADJ
ajfti-2325	55	12	growth	growth	NOUN
ajfti-2325	55	13	in	in	ADP
ajfti-2325	55	14	nigeria	nigeria	PROPN
ajfti-2325	55	15	iii	iii	PROPN
ajfti-2325	55	16	.	.	PROPN
ajfti-2325	55	17	evaluate	evaluate	VERB
ajfti-2325	55	18	the	the	DET
ajfti-2325	55	19	impact	impact	NOUN
ajfti-2325	55	20	of	of	ADP
ajfti-2325	55	21	mobile	mobile	ADJ
ajfti-2325	55	22	payment	payment	NOUN
ajfti-2325	55	23	transactions	transaction	NOUN
ajfti-2325	55	24	on	on	ADP
ajfti-2325	55	25	economic	economic	ADJ
ajfti-2325	55	26	growth	growth	NOUN
ajfti-2325	55	27	in	in	ADP
ajfti-2325	55	28	nigeria	nigeria	PROPN
ajfti-2325	55	29	based	base	VERB
ajfti-2325	55	30	on	on	ADP
ajfti-2325	55	31	the	the	DET
ajfti-2325	55	32	highlighted	highlighted	ADJ
ajfti-2325	55	33	specific	specific	ADJ
ajfti-2325	55	34	objectives	objective	NOUN
ajfti-2325	55	35	,	,	PUNCT
ajfti-2325	55	36	the	the	DET
ajfti-2325	55	37	following	follow	VERB
ajfti-2325	55	38	hypotheses	hypothesis	NOUN
ajfti-2325	55	39	were	be	AUX
ajfti-2325	55	40	raised	raise	VERB
ajfti-2325	55	41	and	and	CCONJ
ajfti-2325	55	42	tested	test	VERB
ajfti-2325	55	43	:	:	PUNCT
ajfti-2325	56	1	h01	h01	NOUN
ajfti-2325	56	2	:	:	PUNCT
ajfti-2325	56	3	instant	instant	ADJ
ajfti-2325	56	4	pay	pay	NOUN
ajfti-2325	56	5	transactions	transaction	NOUN
ajfti-2325	56	6	has	have	VERB
ajfti-2325	56	7	no	no	DET
ajfti-2325	56	8	significant	significant	ADJ
ajfti-2325	56	9	impact	impact	NOUN
ajfti-2325	56	10	on	on	ADP
ajfti-2325	56	11	economic	economic	ADJ
ajfti-2325	56	12	growth	growth	NOUN
ajfti-2325	56	13	in	in	ADP
ajfti-2325	56	14	nigeria	nigeria	PROPN
ajfti-2325	56	15	h02	h02	PROPN
ajfti-2325	56	16	:	:	PUNCT
ajfti-2325	56	17	internet	internet	NOUN
ajfti-2325	56	18	(	(	PUNCT
ajfti-2325	56	19	web	web	NOUN
ajfti-2325	56	20	)	)	PUNCT
ajfti-2325	56	21	transactions	transaction	NOUN
ajfti-2325	56	22	has	have	AUX
ajfti-2325	56	23	not	not	PART
ajfti-2325	56	24	significantly	significantly	ADV
ajfti-2325	56	25	enhanced	enhance	VERB
ajfti-2325	56	26	nigeria	nigeria	PROPN
ajfti-2325	56	27	’s	’s	PART
ajfti-2325	56	28	economic	economic	ADJ
ajfti-2325	56	29	growth	growth	NOUN
ajfti-2325	56	30	h03	h03	NOUN
ajfti-2325	56	31	:	:	PUNCT
ajfti-2325	56	32	mobile	mobile	ADJ
ajfti-2325	56	33	payment	payment	NOUN
ajfti-2325	56	34	transactions	transaction	NOUN
ajfti-2325	56	35	has	have	VERB
ajfti-2325	56	36	no	no	DET
ajfti-2325	56	37	significant	significant	ADJ
ajfti-2325	56	38	impact	impact	NOUN
ajfti-2325	56	39	on	on	ADP
ajfti-2325	56	40	nigeria	nigeria	PROPN
ajfti-2325	56	41	’s	’s	PART
ajfti-2325	56	42	economic	economic	ADJ
ajfti-2325	56	43	growth	growth	NOUN
ajfti-2325	56	44	literature	literature	PROPN
ajfti-2325	56	45	review	review	VERB
ajfti-2325	56	46	conceptual	conceptual	ADJ
ajfti-2325	56	47	review	review	NOUN
ajfti-2325	56	48	financial	financial	ADJ
ajfti-2325	56	49	technology	technology	NOUN
ajfti-2325	56	50	financial	financial	ADJ
ajfti-2325	56	51	technology	technology	NOUN
ajfti-2325	56	52	,	,	PUNCT
ajfti-2325	56	53	commonly	commonly	ADV
ajfti-2325	56	54	abbreviated	abbreviate	VERB
ajfti-2325	56	55	as	as	ADP
ajfti-2325	56	56	fintech	fintech	NOUN
ajfti-2325	56	57	,	,	PUNCT
ajfti-2325	56	58	is	be	AUX
ajfti-2325	56	59	a	a	DET
ajfti-2325	56	60	term	term	NOUN
ajfti-2325	56	61	that	that	PRON
ajfti-2325	56	62	has	have	AUX
ajfti-2325	56	63	garnered	garner	VERB
ajfti-2325	56	64	significant	significant	ADJ
ajfti-2325	56	65	attention	attention	NOUN
ajfti-2325	56	66	in	in	ADP
ajfti-2325	56	67	both	both	CCONJ
ajfti-2325	56	68	academic	academic	ADJ
ajfti-2325	56	69	and	and	CCONJ
ajfti-2325	56	70	industry	industry	NOUN
ajfti-2325	56	71	circles	circle	NOUN
ajfti-2325	56	72	in	in	ADP
ajfti-2325	56	73	recent	recent	ADJ
ajfti-2325	56	74	years	year	NOUN
ajfti-2325	56	75	,	,	PUNCT
ajfti-2325	56	76	resulting	result	VERB
ajfti-2325	56	77	in	in	ADP
ajfti-2325	56	78	a	a	DET
ajfti-2325	56	79	plethora	plethora	NOUN
ajfti-2325	56	80	of	of	ADP
ajfti-2325	56	81	definitions	definition	NOUN
ajfti-2325	56	82	and	and	CCONJ
ajfti-2325	56	83	interpretations	interpretation	NOUN
ajfti-2325	56	84	.	.	PUNCT
ajfti-2325	57	1	at	at	ADP
ajfti-2325	57	2	its	its	PRON
ajfti-2325	57	3	core	core	NOUN
ajfti-2325	57	4	,	,	PUNCT
ajfti-2325	57	5	fintech	fintech	NOUN
ajfti-2325	57	6	intertwines	intertwine	VERB
ajfti-2325	57	7	the	the	DET
ajfti-2325	57	8	realms	realm	NOUN
ajfti-2325	57	9	of	of	ADP
ajfti-2325	57	10	finance	finance	NOUN
ajfti-2325	57	11	and	and	CCONJ
ajfti-2325	57	12	technology	technology	NOUN
ajfti-2325	57	13	,	,	PUNCT
ajfti-2325	57	14	marking	mark	VERB
ajfti-2325	57	15	a	a	DET
ajfti-2325	57	16	departure	departure	NOUN
ajfti-2325	57	17	from	from	ADP
ajfti-2325	57	18	traditional	traditional	ADJ
ajfti-2325	57	19	financial	financial	ADJ
ajfti-2325	57	20	systems	system	NOUN
ajfti-2325	57	21	and	and	CCONJ
ajfti-2325	57	22	methodologies	methodology	NOUN
ajfti-2325	57	23	in	in	ADP
ajfti-2325	57	24	favor	favor	NOUN
ajfti-2325	57	25	of	of	ADP
ajfti-2325	57	26	innovative	innovative	ADJ
ajfti-2325	57	27	,	,	PUNCT
ajfti-2325	57	28	technologydriven	technologydriven	ADP
ajfti-2325	57	29	solutions	solution	NOUN
ajfti-2325	57	30	.	.	PUNCT
ajfti-2325	58	1	arner	arner	NOUN
ajfti-2325	58	2	,	,	PUNCT
ajfti-2325	58	3	barberis	barberi	NOUN
ajfti-2325	58	4	,	,	PUNCT
ajfti-2325	58	5	and	and	CCONJ
ajfti-2325	58	6	buckley	buckley	NOUN
ajfti-2325	58	7	(	(	PUNCT
ajfti-2325	58	8	2016	2016	NUM
ajfti-2325	58	9	)	)	PUNCT
ajfti-2325	58	10	offer	offer	VERB
ajfti-2325	58	11	a	a	DET
ajfti-2325	58	12	comprehensive	comprehensive	ADJ
ajfti-2325	58	13	perspective	perspective	NOUN
ajfti-2325	58	14	on	on	ADP
ajfti-2325	58	15	fintech	fintech	NOUN
ajfti-2325	58	16	by	by	ADP
ajfti-2325	58	17	characterizing	characterize	VERB
ajfti-2325	58	18	it	it	PRON
ajfti-2325	58	19	as	as	ADP
ajfti-2325	58	20	“	"	PUNCT
ajfti-2325	58	21	a	a	DET
ajfti-2325	58	22	new	new	ADJ
ajfti-2325	58	23	financial	financial	ADJ
ajfti-2325	58	24	industry	industry	NOUN
ajfti-2325	58	25	that	that	PRON
ajfti-2325	58	26	applies	apply	VERB
ajfti-2325	58	27	technology	technology	NOUN
ajfti-2325	58	28	to	to	PART
ajfti-2325	58	29	improve	improve	VERB
ajfti-2325	58	30	financial	financial	ADJ
ajfti-2325	58	31	activities	activity	NOUN
ajfti-2325	58	32	.	.	PUNCT
ajfti-2325	58	33	”	"	PUNCT
ajfti-2325	59	1	in	in	ADP
ajfti-2325	59	2	their	their	PRON
ajfti-2325	59	3	view	view	NOUN
ajfti-2325	59	4	,	,	PUNCT
ajfti-2325	59	5	fintech	fintech	NOUN
ajfti-2325	59	6	represents	represent	VERB
ajfti-2325	59	7	the	the	DET
ajfti-2325	59	8	evolution	evolution	NOUN
ajfti-2325	59	9	and	and	CCONJ
ajfti-2325	59	10	transformation	transformation	NOUN
ajfti-2325	59	11	of	of	ADP
ajfti-2325	59	12	the	the	DET
ajfti-2325	59	13	financial	financial	ADJ
ajfti-2325	59	14	sector	sector	NOUN
ajfti-2325	59	15	,	,	PUNCT
ajfti-2325	59	16	where	where	SCONJ
ajfti-2325	59	17	technology	technology	NOUN
ajfti-2325	59	18	acts	act	VERB
ajfti-2325	59	19	as	as	ADP
ajfti-2325	59	20	a	a	DET
ajfti-2325	59	21	pivotal	pivotal	ADJ
ajfti-2325	59	22	force	force	NOUN
ajfti-2325	59	23	in	in	ADP
ajfti-2325	59	24	reshaping	reshape	VERB
ajfti-2325	59	25	financial	financial	ADJ
ajfti-2325	59	26	services	service	NOUN
ajfti-2325	59	27	.	.	PUNCT
ajfti-2325	60	1	it	it	PRON
ajfti-2325	60	2	is	be	AUX
ajfti-2325	60	3	not	not	PART
ajfti-2325	60	4	just	just	ADV
ajfti-2325	60	5	about	about	ADP
ajfti-2325	60	6	digitizing	digitize	VERB
ajfti-2325	60	7	money	money	NOUN
ajfti-2325	60	8	but	but	CCONJ
ajfti-2325	60	9	about	about	ADP
ajfti-2325	60	10	monetizing	monetizing	NOUN
ajfti-2325	60	11	data	datum	NOUN
ajfti-2325	60	12	.	.	PUNCT
ajfti-2325	61	1	it	it	PRON
ajfti-2325	61	2	seeks	seek	VERB
ajfti-2325	61	3	to	to	PART
ajfti-2325	61	4	optimize	optimize	VERB
ajfti-2325	61	5	the	the	DET
ajfti-2325	61	6	delivery	delivery	NOUN
ajfti-2325	61	7	of	of	ADP
ajfti-2325	61	8	financial	financial	ADJ
ajfti-2325	61	9	services	service	NOUN
ajfti-2325	61	10	,	,	PUNCT
ajfti-2325	61	11	making	make	VERB
ajfti-2325	61	12	them	they	PRON
ajfti-2325	61	13	more	more	ADV
ajfti-2325	61	14	efficient	efficient	ADJ
ajfti-2325	61	15	,	,	PUNCT
ajfti-2325	61	16	convenient	convenient	ADJ
ajfti-2325	61	17	,	,	PUNCT
ajfti-2325	61	18	and	and	CCONJ
ajfti-2325	61	19	widely	widely	ADV
ajfti-2325	61	20	accessible	accessible	ADJ
ajfti-2325	61	21	.	.	PUNCT
ajfti-2325	62	1	zavolokina	zavolokina	NOUN
ajfti-2325	62	2	,	,	PUNCT
ajfti-2325	62	3	dolata	dolata	NOUN
ajfti-2325	62	4	,	,	PUNCT
ajfti-2325	62	5	and	and	CCONJ
ajfti-2325	62	6	schwabe	schwabe	NOUN
ajfti-2325	62	7	(	(	PUNCT
ajfti-2325	62	8	2016	2016	NUM
ajfti-2325	62	9	)	)	PUNCT
ajfti-2325	62	10	delve	delve	VERB
ajfti-2325	62	11	deeper	deeply	ADV
ajfti-2325	62	12	into	into	ADP
ajfti-2325	62	13	the	the	DET
ajfti-2325	62	14	constituent	constituent	ADJ
ajfti-2325	62	15	elements	element	NOUN
ajfti-2325	62	16	of	of	ADP
ajfti-2325	62	17	fintech	fintech	NOUN
ajfti-2325	62	18	,	,	PUNCT
ajfti-2325	62	19	suggesting	suggest	VERB
ajfti-2325	62	20	that	that	SCONJ
ajfti-2325	62	21	it	it	PRON
ajfti-2325	62	22	“	"	PUNCT
ajfti-2325	62	23	is	be	AUX
ajfti-2325	62	24	a	a	DET
ajfti-2325	62	25	phenomenon	phenomenon	NOUN
ajfti-2325	62	26	driven	drive	VERB
ajfti-2325	62	27	by	by	ADP
ajfti-2325	62	28	technology	technology	NOUN
ajfti-2325	62	29	and	and	CCONJ
ajfti-2325	62	30	user	user	NOUN
ajfti-2325	62	31	expectations	expectation	NOUN
ajfti-2325	62	32	which	which	PRON
ajfti-2325	62	33	leads	lead	VERB
ajfti-2325	62	34	to	to	ADP
ajfti-2325	62	35	a	a	DET
ajfti-2325	62	36	disruption	disruption	NOUN
ajfti-2325	62	37	of	of	ADP
ajfti-2325	62	38	the	the	DET
ajfti-2325	62	39	current	current	ADJ
ajfti-2325	62	40	financial	financial	ADJ
ajfti-2325	62	41	markets	market	NOUN
ajfti-2325	62	42	,	,	PUNCT
ajfti-2325	62	43	touching	touch	VERB
ajfti-2325	62	44	upon	upon	SCONJ
ajfti-2325	62	45	its	its	PRON
ajfti-2325	62	46	various	various	ADJ
ajfti-2325	62	47	sectors	sector	NOUN
ajfti-2325	62	48	.	.	PUNCT
ajfti-2325	62	49	”	"	PUNCT
ajfti-2325	63	1	this	this	DET
ajfti-2325	63	2	definition	definition	NOUN
ajfti-2325	63	3	accentuates	accentuate	VERB
ajfti-2325	63	4	the	the	DET
ajfti-2325	63	5	disruptive	disruptive	ADJ
ajfti-2325	63	6	nature	nature	NOUN
ajfti-2325	63	7	of	of	ADP
ajfti-2325	63	8	fintech	fintech	NOUN
ajfti-2325	63	9	.	.	PUNCT
ajfti-2325	64	1	unlike	unlike	ADP
ajfti-2325	64	2	mere	mere	ADJ
ajfti-2325	64	3	technological	technological	ADJ
ajfti-2325	64	4	upgrades	upgrade	NOUN
ajfti-2325	64	5	in	in	ADP
ajfti-2325	64	6	financial	financial	ADJ
ajfti-2325	64	7	services	service	NOUN
ajfti-2325	64	8	,	,	PUNCT
ajfti-2325	64	9	fintech	fintech	NOUN
ajfti-2325	64	10	introduces	introduce	VERB
ajfti-2325	64	11	entirely	entirely	ADV
ajfti-2325	64	12	new	new	ADJ
ajfti-2325	64	13	paradigms	paradigm	NOUN
ajfti-2325	64	14	,	,	PUNCT
ajfti-2325	64	15	models	model	NOUN
ajfti-2325	64	16	,	,	PUNCT
ajfti-2325	64	17	and	and	CCONJ
ajfti-2325	64	18	business	business	NOUN
ajfti-2325	64	19	processes	process	NOUN
ajfti-2325	64	20	that	that	PRON
ajfti-2325	64	21	challenge	challenge	NOUN
ajfti-2325	64	22	and	and	CCONJ
ajfti-2325	64	23	often	often	ADV
ajfti-2325	64	24	supplant	supplant	VERB
ajfti-2325	64	25	established	establish	VERB
ajfti-2325	64	26	norms	norm	NOUN
ajfti-2325	64	27	.	.	PUNCT
ajfti-2325	65	1	another	another	DET
ajfti-2325	65	2	enlightening	enlightening	ADJ
ajfti-2325	65	3	viewpoint	viewpoint	NOUN
ajfti-2325	65	4	is	be	AUX
ajfti-2325	65	5	provided	provide	VERB
ajfti-2325	65	6	by	by	ADP
ajfti-2325	65	7	lee	lee	PROPN
ajfti-2325	65	8	and	and	CCONJ
ajfti-2325	65	9	shin	shin	PROPN
ajfti-2325	65	10	(	(	PUNCT
ajfti-2325	65	11	2018	2018	NUM
ajfti-2325	65	12	)	)	PUNCT
ajfti-2325	65	13	,	,	PUNCT
ajfti-2325	65	14	who	who	PRON
ajfti-2325	65	15	perceive	perceive	VERB
ajfti-2325	65	16	fintech	fintech	NOUN
ajfti-2325	65	17	as	as	ADP
ajfti-2325	65	18	“	"	PUNCT
ajfti-2325	65	19	a	a	DET
ajfti-2325	65	20	fusion	fusion	NOUN
ajfti-2325	65	21	of	of	ADP
ajfti-2325	65	22	advanced	advanced	ADJ
ajfti-2325	65	23	information	information	NOUN
ajfti-2325	65	24	technologies	technology	NOUN
ajfti-2325	65	25	and	and	CCONJ
ajfti-2325	65	26	financial	financial	ADJ
ajfti-2325	65	27	services	service	NOUN
ajfti-2325	65	28	,	,	PUNCT
ajfti-2325	65	29	leading	lead	VERB
ajfti-2325	65	30	to	to	ADP
ajfti-2325	65	31	the	the	DET
ajfti-2325	65	32	creation	creation	NOUN
ajfti-2325	65	33	of	of	ADP
ajfti-2325	65	34	new	new	ADJ
ajfti-2325	65	35	business	business	NOUN
ajfti-2325	65	36	models	model	NOUN
ajfti-2325	65	37	,	,	PUNCT
ajfti-2325	65	38	applications	application	NOUN
ajfti-2325	65	39	,	,	PUNCT
ajfti-2325	65	40	processes	process	NOUN
ajfti-2325	65	41	,	,	PUNCT
ajfti-2325	65	42	and	and	CCONJ
ajfti-2325	65	43	products	product	NOUN
ajfti-2325	65	44	.	.	PUNCT
ajfti-2325	65	45	”	"	PUNCT
ajfti-2325	66	1	the	the	DET
ajfti-2325	66	2	essence	essence	NOUN
ajfti-2325	66	3	of	of	ADP
ajfti-2325	66	4	this	this	DET
ajfti-2325	66	5	definition	definition	NOUN
ajfti-2325	66	6	lies	lie	VERB
ajfti-2325	66	7	in	in	ADP
ajfti-2325	66	8	the	the	DET
ajfti-2325	66	9	notion	notion	NOUN
ajfti-2325	66	10	of	of	ADP
ajfti-2325	66	11	fusion	fusion	NOUN
ajfti-2325	66	12	.	.	PUNCT
ajfti-2325	67	1	fintech	fintech	NOUN
ajfti-2325	67	2	is	be	AUX
ajfti-2325	67	3	n’t	not	PART
ajfti-2325	67	4	just	just	ADV
ajfti-2325	67	5	about	about	ADP
ajfti-2325	67	6	juxtaposing	juxtapose	VERB
ajfti-2325	67	7	technology	technology	NOUN
ajfti-2325	67	8	and	and	CCONJ
ajfti-2325	67	9	finance	finance	NOUN
ajfti-2325	67	10	;	;	PUNCT
ajfti-2325	67	11	it	it	PRON
ajfti-2325	67	12	’s	’	VERB
ajfti-2325	67	13	about	about	ADP
ajfti-2325	67	14	the	the	DET
ajfti-2325	67	15	synthesis	synthesis	NOUN
ajfti-2325	67	16	of	of	ADP
ajfti-2325	67	17	the	the	DET
ajfti-2325	67	18	two	two	NUM
ajfti-2325	67	19	,	,	PUNCT
ajfti-2325	67	20	where	where	SCONJ
ajfti-2325	67	21	the	the	DET
ajfti-2325	67	22	boundaries	boundary	NOUN
ajfti-2325	67	23	between	between	ADP
ajfti-2325	67	24	finance	finance	NOUN
ajfti-2325	67	25	and	and	CCONJ
ajfti-2325	67	26	technology	technology	NOUN
ajfti-2325	67	27	blur	blur	NOUN
ajfti-2325	67	28	,	,	PUNCT
ajfti-2325	67	29	giving	give	VERB
ajfti-2325	67	30	birth	birth	NOUN
ajfti-2325	67	31	to	to	ADP
ajfti-2325	67	32	hybrid	hybrid	ADJ
ajfti-2325	67	33	entities	entity	NOUN
ajfti-2325	67	34	that	that	PRON
ajfti-2325	67	35	redefine	redefine	VERB
ajfti-2325	67	36	financial	financial	ADJ
ajfti-2325	67	37	intermediation	intermediation	NOUN
ajfti-2325	67	38	.	.	PUNCT
ajfti-2325	68	1	schueffel	schueffel	NOUN
ajfti-2325	68	2	(	(	PUNCT
ajfti-2325	68	3	2017	2017	NUM
ajfti-2325	68	4	)	)	PUNCT
ajfti-2325	68	5	synthesizes	synthesize	VERB
ajfti-2325	68	6	various	various	ADJ
ajfti-2325	68	7	definitions	definition	NOUN
ajfti-2325	68	8	and	and	CCONJ
ajfti-2325	68	9	describes	describe	VERB
ajfti-2325	68	10	fintech	fintech	NOUN
ajfti-2325	68	11	as	as	ADP
ajfti-2325	68	12	“	"	PUNCT
ajfti-2325	68	13	the	the	DET
ajfti-2325	68	14	new	new	ADJ
ajfti-2325	68	15	marriage	marriage	NOUN
ajfti-2325	68	16	of	of	ADP
ajfti-2325	68	17	financial	financial	ADJ
ajfti-2325	68	18	services	service	NOUN
ajfti-2325	68	19	and	and	CCONJ
ajfti-2325	68	20	information	information	NOUN
ajfti-2325	68	21	technology	technology	NOUN
ajfti-2325	68	22	.	.	PUNCT
ajfti-2325	68	23	”	"	PUNCT
ajfti-2325	69	1	in	in	ADP
ajfti-2325	69	2	this	this	DET
ajfti-2325	69	3	union	union	NOUN
ajfti-2325	69	4	,	,	PUNCT
ajfti-2325	69	5	it	it	PRON
ajfti-2325	69	6	is	be	AUX
ajfti-2325	69	7	not	not	PART
ajfti-2325	69	8	merely	merely	ADV
ajfti-2325	69	9	the	the	DET
ajfti-2325	69	10	technological	technological	ADJ
ajfti-2325	69	11	facet	facet	NOUN
ajfti-2325	69	12	that	that	PRON
ajfti-2325	69	13	stands	stand	VERB
ajfti-2325	69	14	out	out	ADP
ajfti-2325	69	15	,	,	PUNCT
ajfti-2325	69	16	but	but	CCONJ
ajfti-2325	69	17	the	the	DET
ajfti-2325	69	18	profound	profound	ADJ
ajfti-2325	69	19	implications	implication	NOUN
ajfti-2325	69	20	of	of	ADP
ajfti-2325	69	21	this	this	DET
ajfti-2325	69	22	union	union	NOUN
ajfti-2325	69	23	on	on	ADP
ajfti-2325	69	24	the	the	DET
ajfti-2325	69	25	industry	industry	NOUN
ajfti-2325	69	26	’s	’s	PART
ajfti-2325	69	27	structure	structure	NOUN
ajfti-2325	69	28	,	,	PUNCT
ajfti-2325	69	29	competition	competition	NOUN
ajfti-2325	69	30	,	,	PUNCT
ajfti-2325	69	31	and	and	CCONJ
ajfti-2325	69	32	value	value	NOUN
ajfti-2325	69	33	proposition	proposition	NOUN
ajfti-2325	69	34	.	.	PUNCT
ajfti-2325	70	1	the	the	DET
ajfti-2325	70	2	implications	implication	NOUN
ajfti-2325	70	3	span	span	VERB
ajfti-2325	70	4	across	across	ADP
ajfti-2325	70	5	sectors	sector	NOUN
ajfti-2325	70	6	,	,	PUNCT
ajfti-2325	70	7	influencing	influence	VERB
ajfti-2325	70	8	everything	everything	PRON
ajfti-2325	70	9	from	from	ADP
ajfti-2325	70	10	banking	banking	NOUN
ajfti-2325	70	11	to	to	ADP
ajfti-2325	70	12	insurance	insurance	NOUN
ajfti-2325	70	13	to	to	ADP
ajfti-2325	70	14	investment	investment	NOUN
ajfti-2325	70	15	.	.	PUNCT
ajfti-2325	71	1	it	it	PRON
ajfti-2325	71	2	’s	’	VERB
ajfti-2325	71	3	noteworthy	noteworthy	ADJ
ajfti-2325	71	4	to	to	PART
ajfti-2325	71	5	mention	mention	VERB
ajfti-2325	71	6	that	that	SCONJ
ajfti-2325	71	7	these	these	DET
ajfti-2325	71	8	definitions	definition	NOUN
ajfti-2325	71	9	,	,	PUNCT
ajfti-2325	71	10	while	while	SCONJ
ajfti-2325	71	11	pa	pa	PROPN
ajfti-2325	71	12	ge	ge	PROPN
ajfti-2325	71	13	37	37	NUM
ajfti-2325	71	14	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	NOUN
ajfti-2325	71	15	am	be	AUX
ajfti-2325	71	16	.	.	PUNCT
ajfti-2325	72	1	j.	j.	PROPN
ajfti-2325	72	2	financ	financ	PROPN
ajfti-2325	72	3	.	.	PUNCT
ajfti-2325	73	1	technol	technol	PROPN
ajfti-2325	73	2	.	.	PUNCT
ajfti-2325	73	3	innov	innov	PROPN
ajfti-2325	73	4	.	.	PUNCT
ajfti-2325	74	1	1(1	1(1	NUM
ajfti-2325	74	2	)	)	PUNCT
ajfti-2325	74	3	35	35	NUM
ajfti-2325	74	4	-	-	SYM
ajfti-2325	74	5	45	45	NUM
ajfti-2325	74	6	,	,	PUNCT
ajfti-2325	74	7	2023	2023	NUM
ajfti-2325	74	8	varying	vary	VERB
ajfti-2325	74	9	in	in	ADP
ajfti-2325	74	10	their	their	PRON
ajfti-2325	74	11	differences	difference	NOUN
ajfti-2325	74	12	,	,	PUNCT
ajfti-2325	74	13	converge	converge	VERB
ajfti-2325	74	14	on	on	ADP
ajfti-2325	74	15	the	the	DET
ajfti-2325	74	16	central	central	ADJ
ajfti-2325	74	17	theme	theme	NOUN
ajfti-2325	74	18	of	of	ADP
ajfti-2325	74	19	fintech	fintech	NOUN
ajfti-2325	74	20	being	be	AUX
ajfti-2325	74	21	a	a	DET
ajfti-2325	74	22	transformative	transformative	ADJ
ajfti-2325	74	23	force	force	NOUN
ajfti-2325	74	24	.	.	PUNCT
ajfti-2325	75	1	this	this	DET
ajfti-2325	75	2	transformation	transformation	NOUN
ajfti-2325	75	3	is	be	AUX
ajfti-2325	75	4	not	not	PART
ajfti-2325	75	5	just	just	ADV
ajfti-2325	75	6	limited	limit	VERB
ajfti-2325	75	7	to	to	ADP
ajfti-2325	75	8	the	the	DET
ajfti-2325	75	9	digitization	digitization	NOUN
ajfti-2325	75	10	of	of	ADP
ajfti-2325	75	11	financial	financial	ADJ
ajfti-2325	75	12	transactions	transaction	NOUN
ajfti-2325	75	13	but	but	CCONJ
ajfti-2325	75	14	extends	extend	VERB
ajfti-2325	75	15	to	to	ADP
ajfti-2325	75	16	altering	alter	VERB
ajfti-2325	75	17	the	the	DET
ajfti-2325	75	18	very	very	ADJ
ajfti-2325	75	19	fabric	fabric	NOUN
ajfti-2325	75	20	of	of	ADP
ajfti-2325	75	21	the	the	DET
ajfti-2325	75	22	financial	financial	ADJ
ajfti-2325	75	23	ecosystem	ecosystem	NOUN
ajfti-2325	75	24	,	,	PUNCT
ajfti-2325	75	25	redefining	redefine	VERB
ajfti-2325	75	26	the	the	DET
ajfti-2325	75	27	way	way	NOUN
ajfti-2325	75	28	stakeholders	stakeholder	NOUN
ajfti-2325	75	29	interact	interact	VERB
ajfti-2325	75	30	,	,	PUNCT
ajfti-2325	75	31	and	and	CCONJ
ajfti-2325	75	32	crafting	craft	VERB
ajfti-2325	75	33	novel	novel	ADJ
ajfti-2325	75	34	avenues	avenue	NOUN
ajfti-2325	75	35	of	of	ADP
ajfti-2325	75	36	value	value	NOUN
ajfti-2325	75	37	creation	creation	NOUN
ajfti-2325	75	38	.	.	PUNCT
ajfti-2325	76	1	in	in	ADP
ajfti-2325	76	2	its	its	PRON
ajfti-2325	76	3	core	core	NOUN
ajfti-2325	76	4	,	,	PUNCT
ajfti-2325	76	5	fintech	fintech	NOUN
ajfti-2325	76	6	encompasses	encompass	VERB
ajfti-2325	76	7	a	a	DET
ajfti-2325	76	8	broad	broad	ADJ
ajfti-2325	76	9	range	range	NOUN
ajfti-2325	76	10	of	of	ADP
ajfti-2325	76	11	financial	financial	ADJ
ajfti-2325	76	12	operations	operation	NOUN
ajfti-2325	76	13	,	,	PUNCT
ajfti-2325	76	14	including	include	VERB
ajfti-2325	76	15	instant	instant	ADJ
ajfti-2325	76	16	pay	pay	NOUN
ajfti-2325	76	17	transactions	transaction	NOUN
ajfti-2325	76	18	,	,	PUNCT
ajfti-2325	76	19	internet	internet	NOUN
ajfti-2325	76	20	(	(	PUNCT
ajfti-2325	76	21	web	web	NOUN
ajfti-2325	76	22	)	)	PUNCT
ajfti-2325	76	23	transactions	transaction	NOUN
ajfti-2325	76	24	,	,	PUNCT
ajfti-2325	76	25	and	and	CCONJ
ajfti-2325	76	26	mobile	mobile	ADJ
ajfti-2325	76	27	payment	payment	NOUN
ajfti-2325	76	28	transactions	transaction	NOUN
ajfti-2325	76	29	.	.	PUNCT
ajfti-2325	77	1	instant	instant	ADJ
ajfti-2325	77	2	pay	pay	NOUN
ajfti-2325	77	3	transactions	transaction	NOUN
ajfti-2325	77	4	(	(	PUNCT
ajfti-2325	77	5	ipt	ipt	NOUN
ajfti-2325	77	6	)	)	PUNCT
ajfti-2325	77	7	instant	instant	NOUN
ajfti-2325	77	8	pay	pay	NOUN
ajfti-2325	77	9	transactions	transaction	NOUN
ajfti-2325	77	10	signify	signify	VERB
ajfti-2325	77	11	real	real	ADJ
ajfti-2325	77	12	-	-	PUNCT
ajfti-2325	77	13	time	time	NOUN
ajfti-2325	77	14	or	or	CCONJ
ajfti-2325	77	15	near	near	ADJ
ajfti-2325	77	16	-	-	PUNCT
ajfti-2325	77	17	realtime	realtime	NOUN
ajfti-2325	77	18	transfer	transfer	NOUN
ajfti-2325	77	19	of	of	ADP
ajfti-2325	77	20	funds	fund	NOUN
ajfti-2325	77	21	between	between	ADP
ajfti-2325	77	22	two	two	NUM
ajfti-2325	77	23	parties	party	NOUN
ajfti-2325	77	24	without	without	ADP
ajfti-2325	77	25	any	any	DET
ajfti-2325	77	26	significant	significant	ADJ
ajfti-2325	77	27	delay	delay	NOUN
ajfti-2325	77	28	.	.	PUNCT
ajfti-2325	78	1	unlike	unlike	ADP
ajfti-2325	78	2	traditional	traditional	ADJ
ajfti-2325	78	3	banking	banking	NOUN
ajfti-2325	78	4	systems	system	NOUN
ajfti-2325	78	5	where	where	SCONJ
ajfti-2325	78	6	transfer	transfer	NOUN
ajfti-2325	78	7	of	of	ADP
ajfti-2325	78	8	funds	fund	NOUN
ajfti-2325	78	9	might	might	AUX
ajfti-2325	78	10	require	require	VERB
ajfti-2325	78	11	hours	hour	NOUN
ajfti-2325	78	12	or	or	CCONJ
ajfti-2325	78	13	even	even	ADV
ajfti-2325	78	14	days	day	NOUN
ajfti-2325	78	15	,	,	PUNCT
ajfti-2325	78	16	instant	instant	ADJ
ajfti-2325	78	17	pay	pay	NOUN
ajfti-2325	78	18	ensures	ensure	VERB
ajfti-2325	78	19	the	the	DET
ajfti-2325	78	20	immediate	immediate	ADJ
ajfti-2325	78	21	availability	availability	NOUN
ajfti-2325	78	22	of	of	ADP
ajfti-2325	78	23	funds	fund	NOUN
ajfti-2325	78	24	.	.	PUNCT
ajfti-2325	79	1	zhang	zhang	PROPN
ajfti-2325	79	2	,	,	PUNCT
ajfti-2325	79	3	guo	guo	PROPN
ajfti-2325	79	4	,	,	PUNCT
ajfti-2325	79	5	and	and	CCONJ
ajfti-2325	79	6	chen	chen	PROPN
ajfti-2325	79	7	(	(	PUNCT
ajfti-2325	79	8	2016	2016	NUM
ajfti-2325	79	9	)	)	PUNCT
ajfti-2325	79	10	elucidate	elucidate	VERB
ajfti-2325	79	11	ipt	ipt	NOUN
ajfti-2325	79	12	as	as	ADP
ajfti-2325	79	13	“	"	PUNCT
ajfti-2325	79	14	a	a	DET
ajfti-2325	79	15	financial	financial	ADJ
ajfti-2325	79	16	transaction	transaction	NOUN
ajfti-2325	79	17	system	system	NOUN
ajfti-2325	79	18	that	that	PRON
ajfti-2325	79	19	processes	process	VERB
ajfti-2325	79	20	funds	fund	NOUN
ajfti-2325	79	21	transfer	transfer	NOUN
ajfti-2325	79	22	and	and	CCONJ
ajfti-2325	79	23	ensures	ensure	VERB
ajfti-2325	79	24	the	the	DET
ajfti-2325	79	25	settlement	settlement	NOUN
ajfti-2325	79	26	of	of	ADP
ajfti-2325	79	27	payments	payment	NOUN
ajfti-2325	79	28	within	within	ADP
ajfti-2325	79	29	seconds	second	NOUN
ajfti-2325	79	30	.	.	PUNCT
ajfti-2325	79	31	”	"	PUNCT
ajfti-2325	80	1	the	the	DET
ajfti-2325	80	2	allure	allure	NOUN
ajfti-2325	80	3	of	of	ADP
ajfti-2325	80	4	ipt	ipt	PROPN
ajfti-2325	80	5	lies	lie	VERB
ajfti-2325	80	6	not	not	PART
ajfti-2325	80	7	only	only	ADV
ajfti-2325	80	8	in	in	ADP
ajfti-2325	80	9	its	its	PRON
ajfti-2325	80	10	speed	speed	NOUN
ajfti-2325	80	11	but	but	CCONJ
ajfti-2325	80	12	also	also	ADV
ajfti-2325	80	13	in	in	ADP
ajfti-2325	80	14	its	its	PRON
ajfti-2325	80	15	ability	ability	NOUN
ajfti-2325	80	16	to	to	PART
ajfti-2325	80	17	provide	provide	VERB
ajfti-2325	80	18	24/7	24/7	PROPN
ajfti-2325	80	19	financial	financial	ADJ
ajfti-2325	80	20	services	service	NOUN
ajfti-2325	80	21	,	,	PUNCT
ajfti-2325	80	22	breaking	break	VERB
ajfti-2325	80	23	away	away	ADV
ajfti-2325	80	24	from	from	ADP
ajfti-2325	80	25	the	the	DET
ajfti-2325	80	26	time	time	NOUN
ajfti-2325	80	27	constraints	constraint	NOUN
ajfti-2325	80	28	of	of	ADP
ajfti-2325	80	29	conventional	conventional	ADJ
ajfti-2325	80	30	banking	banking	NOUN
ajfti-2325	80	31	hours	hour	NOUN
ajfti-2325	80	32	.	.	PUNCT
ajfti-2325	81	1	internet	internet	NOUN
ajfti-2325	81	2	(	(	PUNCT
ajfti-2325	81	3	web	web	NOUN
ajfti-2325	81	4	)	)	PUNCT
ajfti-2325	81	5	transactions	transaction	NOUN
ajfti-2325	81	6	internet	internet	NOUN
ajfti-2325	81	7	or	or	CCONJ
ajfti-2325	81	8	web	web	NOUN
ajfti-2325	81	9	transactions	transaction	NOUN
ajfti-2325	81	10	denote	denote	VERB
ajfti-2325	81	11	the	the	DET
ajfti-2325	81	12	array	array	NOUN
ajfti-2325	81	13	of	of	ADP
ajfti-2325	81	14	financial	financial	ADJ
ajfti-2325	81	15	transactions	transaction	NOUN
ajfti-2325	81	16	conducted	conduct	VERB
ajfti-2325	81	17	over	over	ADP
ajfti-2325	81	18	the	the	DET
ajfti-2325	81	19	internet	internet	NOUN
ajfti-2325	81	20	.	.	PUNCT
ajfti-2325	82	1	these	these	DET
ajfti-2325	82	2	transactions	transaction	NOUN
ajfti-2325	82	3	encompass	encompass	VERB
ajfti-2325	82	4	a	a	DET
ajfti-2325	82	5	wide	wide	ADJ
ajfti-2325	82	6	range	range	NOUN
ajfti-2325	82	7	of	of	ADP
ajfti-2325	82	8	activities	activity	NOUN
ajfti-2325	82	9	,	,	PUNCT
ajfti-2325	82	10	from	from	ADP
ajfti-2325	82	11	online	online	ADJ
ajfti-2325	82	12	shopping	shopping	NOUN
ajfti-2325	82	13	to	to	ADP
ajfti-2325	82	14	securities	security	NOUN
ajfti-2325	82	15	trading	trading	NOUN
ajfti-2325	82	16	,	,	PUNCT
ajfti-2325	82	17	enabled	enable	VERB
ajfti-2325	82	18	through	through	ADP
ajfti-2325	82	19	web	web	NOUN
ajfti-2325	82	20	-	-	PUNCT
ajfti-2325	82	21	based	base	VERB
ajfti-2325	82	22	platforms	platform	NOUN
ajfti-2325	82	23	.	.	PUNCT
ajfti-2325	83	1	choi	choi	NOUN
ajfti-2325	83	2	,	,	PUNCT
ajfti-2325	83	3	stahl	stahl	PROPN
ajfti-2325	83	4	,	,	PUNCT
ajfti-2325	83	5	and	and	CCONJ
ajfti-2325	83	6	whinston	whinston	NOUN
ajfti-2325	83	7	(	(	PUNCT
ajfti-2325	83	8	2017	2017	NUM
ajfti-2325	83	9	)	)	PUNCT
ajfti-2325	83	10	expound	expound	NOUN
ajfti-2325	83	11	on	on	ADP
ajfti-2325	83	12	this	this	PRON
ajfti-2325	83	13	by	by	ADP
ajfti-2325	83	14	stating	state	VERB
ajfti-2325	83	15	that	that	SCONJ
ajfti-2325	83	16	“	"	PUNCT
ajfti-2325	83	17	internet	internet	NOUN
ajfti-2325	83	18	transactions	transaction	NOUN
ajfti-2325	83	19	are	be	AUX
ajfti-2325	83	20	electronic	electronic	ADJ
ajfti-2325	83	21	transactions	transaction	NOUN
ajfti-2325	83	22	that	that	PRON
ajfti-2325	83	23	occur	occur	VERB
ajfti-2325	83	24	over	over	ADP
ajfti-2325	83	25	the	the	DET
ajfti-2325	83	26	internet	internet	NOUN
ajfti-2325	83	27	,	,	PUNCT
ajfti-2325	83	28	facilitating	facilitate	VERB
ajfti-2325	83	29	trade	trade	NOUN
ajfti-2325	83	30	of	of	ADP
ajfti-2325	83	31	goods	good	NOUN
ajfti-2325	83	32	or	or	CCONJ
ajfti-2325	83	33	services	service	NOUN
ajfti-2325	83	34	.	.	PUNCT
ajfti-2325	83	35	”	"	PUNCT
ajfti-2325	84	1	such	such	ADJ
ajfti-2325	84	2	transactions	transaction	NOUN
ajfti-2325	84	3	have	have	AUX
ajfti-2325	84	4	revolutionized	revolutionize	VERB
ajfti-2325	84	5	commerce	commerce	NOUN
ajfti-2325	84	6	,	,	PUNCT
ajfti-2325	84	7	with	with	ADP
ajfti-2325	84	8	global	global	ADJ
ajfti-2325	84	9	e	e	PROPN
ajfti-2325	84	10	-	-	PROPN
ajfti-2325	84	11	commerce	commerce	NOUN
ajfti-2325	84	12	sales	sale	NOUN
ajfti-2325	84	13	soaring	soar	VERB
ajfti-2325	84	14	to	to	ADP
ajfti-2325	84	15	$	$	SYM
ajfti-2325	84	16	4.2	4.2	NUM
ajfti-2325	84	17	trillion	trillion	NUM
ajfti-2325	84	18	in	in	ADP
ajfti-2325	84	19	2020	2020	NUM
ajfti-2325	84	20	(	(	PUNCT
ajfti-2325	84	21	statista	statista	NOUN
ajfti-2325	84	22	,	,	PUNCT
ajfti-2325	84	23	2021	2021	NUM
ajfti-2325	84	24	)	)	PUNCT
ajfti-2325	84	25	.	.	PUNCT
ajfti-2325	85	1	the	the	DET
ajfti-2325	85	2	essence	essence	NOUN
ajfti-2325	85	3	of	of	ADP
ajfti-2325	85	4	internet	internet	NOUN
ajfti-2325	85	5	transactions	transaction	NOUN
ajfti-2325	85	6	is	be	AUX
ajfti-2325	85	7	the	the	DET
ajfti-2325	85	8	convergence	convergence	NOUN
ajfti-2325	85	9	of	of	ADP
ajfti-2325	85	10	convenience	convenience	NOUN
ajfti-2325	85	11	,	,	PUNCT
ajfti-2325	85	12	reach	reach	VERB
ajfti-2325	85	13	,	,	PUNCT
ajfti-2325	85	14	and	and	CCONJ
ajfti-2325	85	15	variety	variety	NOUN
ajfti-2325	85	16	,	,	PUNCT
ajfti-2325	85	17	empowering	empower	VERB
ajfti-2325	85	18	consumers	consumer	NOUN
ajfti-2325	85	19	with	with	ADP
ajfti-2325	85	20	unparalleled	unparalleled	ADJ
ajfti-2325	85	21	choices	choice	NOUN
ajfti-2325	85	22	and	and	CCONJ
ajfti-2325	85	23	capabilities	capability	NOUN
ajfti-2325	85	24	.	.	PUNCT
ajfti-2325	86	1	mobile	mobile	ADJ
ajfti-2325	86	2	payment	payment	NOUN
ajfti-2325	86	3	transactions	transaction	NOUN
ajfti-2325	86	4	mobile	mobile	ADJ
ajfti-2325	86	5	payment	payment	NOUN
ajfti-2325	86	6	transactions	transaction	NOUN
ajfti-2325	86	7	are	be	AUX
ajfti-2325	86	8	financial	financial	ADJ
ajfti-2325	86	9	transactions	transaction	NOUN
ajfti-2325	86	10	initiated	initiate	VERB
ajfti-2325	86	11	,	,	PUNCT
ajfti-2325	86	12	executed	execute	VERB
ajfti-2325	86	13	,	,	PUNCT
ajfti-2325	86	14	and	and	CCONJ
ajfti-2325	86	15	confirmed	confirm	VERB
ajfti-2325	86	16	using	use	VERB
ajfti-2325	86	17	mobile	mobile	ADJ
ajfti-2325	86	18	devices	device	NOUN
ajfti-2325	86	19	,	,	PUNCT
ajfti-2325	86	20	primarily	primarily	ADV
ajfti-2325	86	21	smartphones	smartphone	NOUN
ajfti-2325	86	22	and	and	CCONJ
ajfti-2325	86	23	tablets	tablet	NOUN
ajfti-2325	86	24	.	.	PUNCT
ajfti-2325	87	1	they	they	PRON
ajfti-2325	87	2	offer	offer	VERB
ajfti-2325	87	3	a	a	DET
ajfti-2325	87	4	new	new	ADJ
ajfti-2325	87	5	horizon	horizon	NOUN
ajfti-2325	87	6	of	of	ADP
ajfti-2325	87	7	financial	financial	ADJ
ajfti-2325	87	8	inclusion	inclusion	NOUN
ajfti-2325	87	9	,	,	PUNCT
ajfti-2325	87	10	especially	especially	ADV
ajfti-2325	87	11	in	in	ADP
ajfti-2325	87	12	regions	region	NOUN
ajfti-2325	87	13	with	with	ADP
ajfti-2325	87	14	limited	limited	ADJ
ajfti-2325	87	15	banking	banking	NOUN
ajfti-2325	87	16	infrastructure	infrastructure	NOUN
ajfti-2325	87	17	.	.	PUNCT
ajfti-2325	88	1	ondrus	ondrus	NOUN
ajfti-2325	88	2	and	and	CCONJ
ajfti-2325	88	3	lyytinen	lyytinen	NOUN
ajfti-2325	88	4	(	(	PUNCT
ajfti-2325	88	5	2015	2015	NUM
ajfti-2325	88	6	)	)	PUNCT
ajfti-2325	88	7	define	define	VERB
ajfti-2325	88	8	mobile	mobile	ADJ
ajfti-2325	88	9	payment	payment	NOUN
ajfti-2325	88	10	transactions	transaction	NOUN
ajfti-2325	88	11	as	as	ADP
ajfti-2325	88	12	“	"	PUNCT
ajfti-2325	88	13	transactions	transaction	NOUN
ajfti-2325	88	14	involving	involve	VERB
ajfti-2325	88	15	monetary	monetary	ADJ
ajfti-2325	88	16	value	value	NOUN
ajfti-2325	88	17	in	in	ADP
ajfti-2325	88	18	exchange	exchange	NOUN
ajfti-2325	88	19	for	for	ADP
ajfti-2325	88	20	goods	good	NOUN
ajfti-2325	88	21	,	,	PUNCT
ajfti-2325	88	22	services	service	NOUN
ajfti-2325	88	23	,	,	PUNCT
ajfti-2325	88	24	or	or	CCONJ
ajfti-2325	88	25	even	even	ADV
ajfti-2325	88	26	as	as	ADP
ajfti-2325	88	27	a	a	DET
ajfti-2325	88	28	transfer	transfer	NOUN
ajfti-2325	88	29	,	,	PUNCT
ajfti-2325	88	30	executed	execute	VERB
ajfti-2325	88	31	using	use	VERB
ajfti-2325	88	32	mobile	mobile	ADJ
ajfti-2325	88	33	technology	technology	NOUN
ajfti-2325	88	34	.	.	PUNCT
ajfti-2325	88	35	”	"	PUNCT
ajfti-2325	89	1	these	these	DET
ajfti-2325	89	2	transactions	transaction	NOUN
ajfti-2325	89	3	can	can	AUX
ajfti-2325	89	4	range	range	VERB
ajfti-2325	89	5	from	from	ADP
ajfti-2325	89	6	paying	pay	VERB
ajfti-2325	89	7	for	for	ADP
ajfti-2325	89	8	a	a	DET
ajfti-2325	89	9	coffee	coffee	NOUN
ajfti-2325	89	10	using	use	VERB
ajfti-2325	89	11	a	a	DET
ajfti-2325	89	12	mobile	mobile	ADJ
ajfti-2325	89	13	wallet	wallet	NOUN
ajfti-2325	89	14	to	to	ADP
ajfti-2325	89	15	transferring	transfer	VERB
ajfti-2325	89	16	money	money	NOUN
ajfti-2325	89	17	across	across	ADP
ajfti-2325	89	18	borders	border	NOUN
ajfti-2325	89	19	using	use	VERB
ajfti-2325	89	20	a	a	DET
ajfti-2325	89	21	mobile	mobile	ADJ
ajfti-2325	89	22	banking	banking	NOUN
ajfti-2325	89	23	application	application	NOUN
ajfti-2325	89	24	.	.	PUNCT
ajfti-2325	90	1	by	by	ADP
ajfti-2325	90	2	2019	2019	NUM
ajfti-2325	90	3	,	,	PUNCT
ajfti-2325	90	4	over	over	ADP
ajfti-2325	90	5	2	2	NUM
ajfti-2325	90	6	billion	billion	NUM
ajfti-2325	90	7	individuals	individual	NOUN
ajfti-2325	90	8	worldwide	worldwide	ADV
ajfti-2325	90	9	used	use	VERB
ajfti-2325	90	10	mobile	mobile	ADJ
ajfti-2325	90	11	payments	payment	NOUN
ajfti-2325	90	12	,	,	PUNCT
ajfti-2325	90	13	signifying	signify	VERB
ajfti-2325	90	14	their	their	PRON
ajfti-2325	90	15	growing	grow	VERB
ajfti-2325	90	16	ubiquity	ubiquity	NOUN
ajfti-2325	90	17	and	and	CCONJ
ajfti-2325	90	18	importance	importance	NOUN
ajfti-2325	90	19	(	(	PUNCT
ajfti-2325	90	20	gsma	gsma	NOUN
ajfti-2325	90	21	,	,	PUNCT
ajfti-2325	90	22	2020	2020	NUM
ajfti-2325	90	23	)	)	PUNCT
ajfti-2325	90	24	.	.	PUNCT
ajfti-2325	91	1	economic	economic	ADJ
ajfti-2325	91	2	growth	growth	NOUN
ajfti-2325	91	3	economic	economic	ADJ
ajfti-2325	91	4	growth	growth	NOUN
ajfti-2325	91	5	stands	stand	VERB
ajfti-2325	91	6	as	as	ADP
ajfti-2325	91	7	one	one	NUM
ajfti-2325	91	8	of	of	ADP
ajfti-2325	91	9	the	the	DET
ajfti-2325	91	10	most	most	ADV
ajfti-2325	91	11	widely	widely	ADV
ajfti-2325	91	12	deliberated	deliberate	VERB
ajfti-2325	91	13	and	and	CCONJ
ajfti-2325	91	14	researched	research	VERB
ajfti-2325	91	15	concepts	concept	NOUN
ajfti-2325	91	16	in	in	ADP
ajfti-2325	91	17	the	the	DET
ajfti-2325	91	18	realm	realm	NOUN
ajfti-2325	91	19	of	of	ADP
ajfti-2325	91	20	economics	economic	NOUN
ajfti-2325	91	21	,	,	PUNCT
ajfti-2325	91	22	public	public	ADJ
ajfti-2325	91	23	policy	policy	NOUN
ajfti-2325	91	24	,	,	PUNCT
ajfti-2325	91	25	and	and	CCONJ
ajfti-2325	91	26	development	development	NOUN
ajfti-2325	91	27	studies	study	NOUN
ajfti-2325	91	28	.	.	PUNCT
ajfti-2325	92	1	at	at	ADP
ajfti-2325	92	2	its	its	PRON
ajfti-2325	92	3	core	core	NOUN
ajfti-2325	92	4	,	,	PUNCT
ajfti-2325	92	5	economic	economic	ADJ
ajfti-2325	92	6	growth	growth	NOUN
ajfti-2325	92	7	pertains	pertain	VERB
ajfti-2325	92	8	to	to	ADP
ajfti-2325	92	9	the	the	DET
ajfti-2325	92	10	increase	increase	NOUN
ajfti-2325	92	11	in	in	ADP
ajfti-2325	92	12	the	the	DET
ajfti-2325	92	13	output	output	NOUN
ajfti-2325	92	14	of	of	ADP
ajfti-2325	92	15	goods	good	NOUN
ajfti-2325	92	16	and	and	CCONJ
ajfti-2325	92	17	services	service	NOUN
ajfti-2325	92	18	in	in	ADP
ajfti-2325	92	19	an	an	DET
ajfti-2325	92	20	economy	economy	NOUN
ajfti-2325	92	21	over	over	ADP
ajfti-2325	92	22	time	time	NOUN
ajfti-2325	92	23	,	,	PUNCT
ajfti-2325	92	24	typically	typically	ADV
ajfti-2325	92	25	measured	measure	VERB
ajfti-2325	92	26	by	by	ADP
ajfti-2325	92	27	the	the	DET
ajfti-2325	92	28	rise	rise	NOUN
ajfti-2325	92	29	in	in	ADP
ajfti-2325	92	30	the	the	DET
ajfti-2325	92	31	gross	gross	ADJ
ajfti-2325	92	32	domestic	domestic	ADJ
ajfti-2325	92	33	product	product	NOUN
ajfti-2325	92	34	(	(	PUNCT
ajfti-2325	92	35	gdp	gdp	NOUN
ajfti-2325	92	36	)	)	PUNCT
ajfti-2325	92	37	or	or	CCONJ
ajfti-2325	92	38	gross	gross	ADJ
ajfti-2325	92	39	national	national	ADJ
ajfti-2325	92	40	product	product	NOUN
ajfti-2325	92	41	(	(	PUNCT
ajfti-2325	92	42	gnp	gnp	PROPN
ajfti-2325	92	43	)	)	PUNCT
ajfti-2325	92	44	.	.	PUNCT
ajfti-2325	93	1	one	one	NUM
ajfti-2325	93	2	seminal	seminal	ADJ
ajfti-2325	93	3	definition	definition	NOUN
ajfti-2325	93	4	comes	come	VERB
ajfti-2325	93	5	from	from	ADP
ajfti-2325	93	6	solow	solow	PROPN
ajfti-2325	93	7	(	(	PUNCT
ajfti-2325	93	8	1956	1956	NUM
ajfti-2325	93	9	)	)	PUNCT
ajfti-2325	93	10	,	,	PUNCT
ajfti-2325	93	11	who	who	PRON
ajfti-2325	93	12	postulates	postulate	VERB
ajfti-2325	93	13	economic	economic	ADJ
ajfti-2325	93	14	growth	growth	NOUN
ajfti-2325	93	15	as	as	ADP
ajfti-2325	93	16	“	"	PUNCT
ajfti-2325	93	17	the	the	DET
ajfti-2325	93	18	long	long	ADJ
ajfti-2325	93	19	-	-	PUNCT
ajfti-2325	93	20	term	term	NOUN
ajfti-2325	93	21	rise	rise	NOUN
ajfti-2325	93	22	in	in	ADP
ajfti-2325	93	23	the	the	DET
ajfti-2325	93	24	capacity	capacity	NOUN
ajfti-2325	93	25	to	to	PART
ajfti-2325	93	26	supply	supply	VERB
ajfti-2325	93	27	increasingly	increasingly	ADV
ajfti-2325	93	28	diverse	diverse	ADJ
ajfti-2325	93	29	economic	economic	ADJ
ajfti-2325	93	30	goods	good	NOUN
ajfti-2325	93	31	to	to	ADP
ajfti-2325	93	32	its	its	PRON
ajfti-2325	93	33	population	population	NOUN
ajfti-2325	93	34	,	,	PUNCT
ajfti-2325	93	35	based	base	VERB
ajfti-2325	93	36	on	on	ADP
ajfti-2325	93	37	advancing	advance	VERB
ajfti-2325	93	38	technology	technology	NOUN
ajfti-2325	93	39	and	and	CCONJ
ajfti-2325	93	40	the	the	DET
ajfti-2325	93	41	institutional	institutional	ADJ
ajfti-2325	93	42	and	and	CCONJ
ajfti-2325	93	43	ideological	ideological	ADJ
ajfti-2325	93	44	adjustments	adjustment	NOUN
ajfti-2325	93	45	that	that	PRON
ajfti-2325	93	46	it	it	PRON
ajfti-2325	93	47	demands	demand	VERB
ajfti-2325	93	48	.	.	PUNCT
ajfti-2325	93	49	”	"	PUNCT
ajfti-2325	94	1	this	this	DET
ajfti-2325	94	2	viewpoint	viewpoint	NOUN
ajfti-2325	94	3	emphasizes	emphasize	VERB
ajfti-2325	94	4	the	the	DET
ajfti-2325	94	5	role	role	NOUN
ajfti-2325	94	6	of	of	ADP
ajfti-2325	94	7	technological	technological	ADJ
ajfti-2325	94	8	advancements	advancement	NOUN
ajfti-2325	94	9	and	and	CCONJ
ajfti-2325	94	10	the	the	DET
ajfti-2325	94	11	concomitant	concomitant	ADJ
ajfti-2325	94	12	societal	societal	ADJ
ajfti-2325	94	13	and	and	CCONJ
ajfti-2325	94	14	institutional	institutional	ADJ
ajfti-2325	94	15	changes	change	NOUN
ajfti-2325	94	16	,	,	PUNCT
ajfti-2325	94	17	portraying	portray	VERB
ajfti-2325	94	18	economic	economic	ADJ
ajfti-2325	94	19	growth	growth	NOUN
ajfti-2325	94	20	as	as	ADP
ajfti-2325	94	21	a	a	DET
ajfti-2325	94	22	multidimensional	multidimensional	ADJ
ajfti-2325	94	23	and	and	CCONJ
ajfti-2325	94	24	dynamic	dynamic	ADJ
ajfti-2325	94	25	process	process	NOUN
ajfti-2325	94	26	.	.	PUNCT
ajfti-2325	95	1	lucas	lucas	PROPN
ajfti-2325	95	2	(	(	PUNCT
ajfti-2325	95	3	1988	1988	NUM
ajfti-2325	95	4	)	)	PUNCT
ajfti-2325	95	5	presents	present	VERB
ajfti-2325	95	6	a	a	DET
ajfti-2325	95	7	more	more	ADV
ajfti-2325	95	8	human	human	ADJ
ajfti-2325	95	9	-	-	PUNCT
ajfti-2325	95	10	centric	centric	NOUN
ajfti-2325	95	11	perspective	perspective	NOUN
ajfti-2325	95	12	,	,	PUNCT
ajfti-2325	95	13	underscoring	underscore	VERB
ajfti-2325	95	14	the	the	DET
ajfti-2325	95	15	role	role	NOUN
ajfti-2325	95	16	of	of	ADP
ajfti-2325	95	17	human	human	ADJ
ajfti-2325	95	18	capital	capital	NOUN
ajfti-2325	95	19	in	in	ADP
ajfti-2325	95	20	fueling	fuel	VERB
ajfti-2325	95	21	economic	economic	ADJ
ajfti-2325	95	22	growth	growth	NOUN
ajfti-2325	95	23	.	.	PUNCT
ajfti-2325	96	1	he	he	PRON
ajfti-2325	96	2	defines	define	VERB
ajfti-2325	96	3	it	it	PRON
ajfti-2325	96	4	as	as	ADP
ajfti-2325	96	5	“	"	PUNCT
ajfti-2325	96	6	the	the	DET
ajfti-2325	96	7	sustained	sustained	ADJ
ajfti-2325	96	8	,	,	PUNCT
ajfti-2325	96	9	longterm	longterm	VERB
ajfti-2325	96	10	augmentation	augmentation	NOUN
ajfti-2325	96	11	in	in	ADP
ajfti-2325	96	12	the	the	DET
ajfti-2325	96	13	living	living	NOUN
ajfti-2325	96	14	standards	standard	NOUN
ajfti-2325	96	15	and	and	CCONJ
ajfti-2325	96	16	material	material	NOUN
ajfti-2325	96	17	well	well	ADV
ajfti-2325	96	18	-	-	PUNCT
ajfti-2325	96	19	being	being	NOUN
ajfti-2325	96	20	of	of	ADP
ajfti-2325	96	21	the	the	DET
ajfti-2325	96	22	populace	populace	NOUN
ajfti-2325	96	23	,	,	PUNCT
ajfti-2325	96	24	predominantly	predominantly	ADV
ajfti-2325	96	25	driven	drive	VERB
ajfti-2325	96	26	by	by	ADP
ajfti-2325	96	27	accumulated	accumulate	VERB
ajfti-2325	96	28	skills	skill	NOUN
ajfti-2325	96	29	,	,	PUNCT
ajfti-2325	96	30	knowledge	knowledge	NOUN
ajfti-2325	96	31	,	,	PUNCT
ajfti-2325	96	32	and	and	CCONJ
ajfti-2325	96	33	expertise	expertise	NOUN
ajfti-2325	96	34	.	.	PUNCT
ajfti-2325	96	35	”	"	PUNCT
ajfti-2325	97	1	in	in	ADP
ajfti-2325	97	2	lucas	lucas	PROPN
ajfti-2325	97	3	’s	’s	PART
ajfti-2325	97	4	interpretation	interpretation	NOUN
ajfti-2325	97	5	,	,	PUNCT
ajfti-2325	97	6	the	the	DET
ajfti-2325	97	7	cognitive	cognitive	ADJ
ajfti-2325	97	8	and	and	CCONJ
ajfti-2325	97	9	skill	skill	NOUN
ajfti-2325	97	10	enhancement	enhancement	NOUN
ajfti-2325	97	11	of	of	ADP
ajfti-2325	97	12	a	a	DET
ajfti-2325	97	13	nation	nation	NOUN
ajfti-2325	97	14	’s	’s	PART
ajfti-2325	97	15	citizens	citizen	NOUN
ajfti-2325	97	16	is	be	AUX
ajfti-2325	97	17	paramount	paramount	ADJ
ajfti-2325	97	18	,	,	PUNCT
ajfti-2325	97	19	serving	serve	VERB
ajfti-2325	97	20	as	as	ADP
ajfti-2325	97	21	a	a	DET
ajfti-2325	97	22	key	key	ADJ
ajfti-2325	97	23	driver	driver	NOUN
ajfti-2325	97	24	of	of	ADP
ajfti-2325	97	25	increased	increase	VERB
ajfti-2325	97	26	productivity	productivity	NOUN
ajfti-2325	97	27	and	and	CCONJ
ajfti-2325	97	28	,	,	PUNCT
ajfti-2325	97	29	subsequently	subsequently	ADV
ajfti-2325	97	30	,	,	PUNCT
ajfti-2325	97	31	economic	economic	ADJ
ajfti-2325	97	32	growth	growth	NOUN
ajfti-2325	97	33	.	.	PUNCT
ajfti-2325	98	1	barro	barro	PROPN
ajfti-2325	98	2	(	(	PUNCT
ajfti-2325	98	3	1991	1991	NUM
ajfti-2325	98	4	)	)	PUNCT
ajfti-2325	98	5	introduces	introduce	VERB
ajfti-2325	98	6	a	a	DET
ajfti-2325	98	7	holistic	holistic	ADJ
ajfti-2325	98	8	view	view	NOUN
ajfti-2325	98	9	of	of	ADP
ajfti-2325	98	10	economic	economic	ADJ
ajfti-2325	98	11	growth	growth	NOUN
ajfti-2325	98	12	,	,	PUNCT
ajfti-2325	98	13	suggesting	suggest	VERB
ajfti-2325	98	14	that	that	SCONJ
ajfti-2325	98	15	it	it	PRON
ajfti-2325	98	16	’s	’	VERB
ajfti-2325	98	17	“	"	PUNCT
ajfti-2325	98	18	a	a	DET
ajfti-2325	98	19	composite	composite	ADJ
ajfti-2325	98	20	outcome	outcome	NOUN
ajfti-2325	98	21	influenced	influence	VERB
ajfti-2325	98	22	by	by	ADP
ajfti-2325	98	23	factors	factor	NOUN
ajfti-2325	98	24	such	such	ADJ
ajfti-2325	98	25	as	as	ADP
ajfti-2325	98	26	physical	physical	ADJ
ajfti-2325	98	27	capital	capital	NOUN
ajfti-2325	98	28	accumulation	accumulation	NOUN
ajfti-2325	98	29	,	,	PUNCT
ajfti-2325	98	30	human	human	ADJ
ajfti-2325	98	31	capital	capital	NOUN
ajfti-2325	98	32	development	development	NOUN
ajfti-2325	98	33	,	,	PUNCT
ajfti-2325	98	34	technological	technological	ADJ
ajfti-2325	98	35	progress	progress	NOUN
ajfti-2325	98	36	,	,	PUNCT
ajfti-2325	98	37	and	and	CCONJ
ajfti-2325	98	38	the	the	DET
ajfti-2325	98	39	macroeconomic	macroeconomic	ADJ
ajfti-2325	98	40	environment	environment	NOUN
ajfti-2325	98	41	.	.	PUNCT
ajfti-2325	98	42	”	"	PUNCT
ajfti-2325	99	1	this	this	DET
ajfti-2325	99	2	perspective	perspective	NOUN
ajfti-2325	99	3	recognizes	recognize	VERB
ajfti-2325	99	4	the	the	DET
ajfti-2325	99	5	intricate	intricate	ADJ
ajfti-2325	99	6	determinants	determinant	NOUN
ajfti-2325	99	7	shaping	shape	VERB
ajfti-2325	99	8	economic	economic	ADJ
ajfti-2325	99	9	growth	growth	NOUN
ajfti-2325	99	10	,	,	PUNCT
ajfti-2325	99	11	from	from	ADP
ajfti-2325	99	12	tangible	tangible	ADJ
ajfti-2325	99	13	assets	asset	NOUN
ajfti-2325	99	14	like	like	ADP
ajfti-2325	99	15	infrastructure	infrastructure	NOUN
ajfti-2325	99	16	to	to	ADP
ajfti-2325	99	17	intangible	intangible	ADJ
ajfti-2325	99	18	facets	facet	NOUN
ajfti-2325	99	19	like	like	ADP
ajfti-2325	99	20	governance	governance	NOUN
ajfti-2325	99	21	and	and	CCONJ
ajfti-2325	99	22	policy	policy	NOUN
ajfti-2325	99	23	frameworks	framework	NOUN
ajfti-2325	99	24	.	.	PUNCT
ajfti-2325	100	1	more	more	ADV
ajfti-2325	100	2	recent	recent	ADJ
ajfti-2325	100	3	scholarship	scholarship	NOUN
ajfti-2325	100	4	,	,	PUNCT
ajfti-2325	100	5	exemplified	exemplify	VERB
ajfti-2325	100	6	by	by	ADP
ajfti-2325	100	7	the	the	DET
ajfti-2325	100	8	work	work	NOUN
ajfti-2325	100	9	of	of	ADP
ajfti-2325	100	10	acemoglu	acemoglu	PROPN
ajfti-2325	100	11	and	and	CCONJ
ajfti-2325	100	12	robinson	robinson	PROPN
ajfti-2325	100	13	(	(	PUNCT
ajfti-2325	100	14	2012	2012	NUM
ajfti-2325	100	15	)	)	PUNCT
ajfti-2325	100	16	,	,	PUNCT
ajfti-2325	100	17	delves	delve	VERB
ajfti-2325	100	18	into	into	ADP
ajfti-2325	100	19	the	the	DET
ajfti-2325	100	20	institutional	institutional	ADJ
ajfti-2325	100	21	foundations	foundation	NOUN
ajfti-2325	100	22	of	of	ADP
ajfti-2325	100	23	growth	growth	NOUN
ajfti-2325	100	24	.	.	PUNCT
ajfti-2325	101	1	they	they	PRON
ajfti-2325	101	2	opine	opine	VERB
ajfti-2325	101	3	that	that	SCONJ
ajfti-2325	101	4	economic	economic	ADJ
ajfti-2325	101	5	growth	growth	NOUN
ajfti-2325	101	6	is	be	AUX
ajfti-2325	101	7	“	"	PUNCT
ajfti-2325	101	8	deeply	deeply	ADV
ajfti-2325	101	9	intertwined	intertwine	VERB
ajfti-2325	101	10	with	with	ADP
ajfti-2325	101	11	the	the	DET
ajfti-2325	101	12	inclusivity	inclusivity	NOUN
ajfti-2325	101	13	and	and	CCONJ
ajfti-2325	101	14	structure	structure	NOUN
ajfti-2325	101	15	of	of	ADP
ajfti-2325	101	16	a	a	DET
ajfti-2325	101	17	nation	nation	NOUN
ajfti-2325	101	18	’s	’s	PART
ajfti-2325	101	19	institutions	institution	NOUN
ajfti-2325	101	20	–	–	PUNCT
ajfti-2325	101	21	both	both	CCONJ
ajfti-2325	101	22	economic	economic	ADJ
ajfti-2325	101	23	and	and	CCONJ
ajfti-2325	101	24	political	political	ADJ
ajfti-2325	101	25	.	.	PUNCT
ajfti-2325	101	26	”	"	PUNCT
ajfti-2325	102	1	in	in	ADP
ajfti-2325	102	2	their	their	PRON
ajfti-2325	102	3	widely	widely	ADV
ajfti-2325	102	4	acclaimed	acclaim	VERB
ajfti-2325	102	5	work	work	NOUN
ajfti-2325	102	6	,	,	PUNCT
ajfti-2325	102	7	they	they	PRON
ajfti-2325	102	8	argue	argue	VERB
ajfti-2325	102	9	that	that	SCONJ
ajfti-2325	102	10	nations	nation	NOUN
ajfti-2325	102	11	with	with	ADP
ajfti-2325	102	12	inclusive	inclusive	ADJ
ajfti-2325	102	13	,	,	PUNCT
ajfti-2325	102	14	democratic	democratic	ADJ
ajfti-2325	102	15	,	,	PUNCT
ajfti-2325	102	16	and	and	CCONJ
ajfti-2325	102	17	robust	robust	ADJ
ajfti-2325	102	18	institutions	institution	NOUN
ajfti-2325	102	19	are	be	AUX
ajfti-2325	102	20	more	more	ADV
ajfti-2325	102	21	likely	likely	ADJ
ajfti-2325	102	22	to	to	PART
ajfti-2325	102	23	experience	experience	VERB
ajfti-2325	102	24	sustained	sustain	VERB
ajfti-2325	102	25	economic	economic	ADJ
ajfti-2325	102	26	growth	growth	NOUN
ajfti-2325	102	27	compared	compare	VERB
ajfti-2325	102	28	to	to	ADP
ajfti-2325	102	29	those	those	PRON
ajfti-2325	102	30	with	with	ADP
ajfti-2325	102	31	extractive	extractive	ADJ
ajfti-2325	102	32	,	,	PUNCT
ajfti-2325	102	33	authoritarian	authoritarian	ADJ
ajfti-2325	102	34	regimes	regime	NOUN
ajfti-2325	102	35	.	.	PUNCT
ajfti-2325	103	1	theoretical	theoretical	ADJ
ajfti-2325	103	2	review	review	NOUN
ajfti-2325	103	3	innovation	innovation	NOUN
ajfti-2325	103	4	diffusion	diffusion	NOUN
ajfti-2325	103	5	theory	theory	NOUN
ajfti-2325	103	6	financial	financial	ADJ
ajfti-2325	103	7	technology	technology	NOUN
ajfti-2325	103	8	(	(	PUNCT
ajfti-2325	103	9	fintech	fintech	NOUN
ajfti-2325	103	10	)	)	PUNCT
ajfti-2325	103	11	has	have	AUX
ajfti-2325	103	12	been	be	AUX
ajfti-2325	103	13	a	a	DET
ajfti-2325	103	14	burgeoning	burgeon	VERB
ajfti-2325	103	15	field	field	NOUN
ajfti-2325	103	16	of	of	ADP
ajfti-2325	103	17	study	study	NOUN
ajfti-2325	103	18	,	,	PUNCT
ajfti-2325	103	19	with	with	ADP
ajfti-2325	103	20	numerous	numerous	ADJ
ajfti-2325	103	21	theories	theory	NOUN
ajfti-2325	103	22	attempting	attempt	VERB
ajfti-2325	103	23	to	to	PART
ajfti-2325	103	24	elucidate	elucidate	VERB
ajfti-2325	103	25	its	its	PRON
ajfti-2325	103	26	implications	implication	NOUN
ajfti-2325	103	27	on	on	ADP
ajfti-2325	103	28	global	global	ADJ
ajfti-2325	103	29	finance	finance	NOUN
ajfti-2325	103	30	.	.	PUNCT
ajfti-2325	104	1	among	among	ADP
ajfti-2325	104	2	these	these	PRON
ajfti-2325	104	3	,	,	PUNCT
ajfti-2325	104	4	the	the	DET
ajfti-2325	104	5	“	"	PUNCT
ajfti-2325	104	6	innovation	innovation	NOUN
ajfti-2325	104	7	diffusion	diffusion	NOUN
ajfti-2325	104	8	theory	theory	NOUN
ajfti-2325	104	9	”	"	PUNCT
ajfti-2325	104	10	offers	offer	VERB
ajfti-2325	104	11	valuable	valuable	ADJ
ajfti-2325	104	12	insights	insight	NOUN
ajfti-2325	104	13	.	.	PUNCT
ajfti-2325	105	1	originally	originally	ADV
ajfti-2325	105	2	conceived	conceive	VERB
ajfti-2325	105	3	by	by	ADP
ajfti-2325	105	4	everett	everett	PROPN
ajfti-2325	105	5	rogers	rogers	PROPN
ajfti-2325	105	6	in	in	ADP
ajfti-2325	105	7	1962	1962	NUM
ajfti-2325	105	8	in	in	ADP
ajfti-2325	105	9	his	his	PRON
ajfti-2325	105	10	seminal	seminal	ADJ
ajfti-2325	105	11	work	work	NOUN
ajfti-2325	105	12	“	"	PUNCT
ajfti-2325	105	13	diffusion	diffusion	NOUN
ajfti-2325	105	14	of	of	ADP
ajfti-2325	105	15	innovations	innovation	NOUN
ajfti-2325	105	16	,	,	PUNCT
ajfti-2325	105	17	”	"	PUNCT
ajfti-2325	105	18	this	this	DET
ajfti-2325	105	19	theory	theory	NOUN
ajfti-2325	105	20	explores	explore	VERB
ajfti-2325	105	21	how	how	SCONJ
ajfti-2325	105	22	,	,	PUNCT
ajfti-2325	105	23	why	why	SCONJ
ajfti-2325	105	24	,	,	PUNCT
ajfti-2325	105	25	and	and	CCONJ
ajfti-2325	105	26	at	at	ADP
ajfti-2325	105	27	what	what	DET
ajfti-2325	105	28	rate	rate	NOUN
ajfti-2325	105	29	new	new	ADJ
ajfti-2325	105	30	ideas	idea	NOUN
ajfti-2325	105	31	and	and	CCONJ
ajfti-2325	105	32	technology	technology	NOUN
ajfti-2325	105	33	spread	spread	VERB
ajfti-2325	105	34	through	through	ADP
ajfti-2325	105	35	cultures	culture	NOUN
ajfti-2325	105	36	.	.	PUNCT
ajfti-2325	106	1	rogers	roger	NOUN
ajfti-2325	106	2	’	'	PUNCT
ajfti-2325	106	3	theory	theory	NOUN
ajfti-2325	106	4	does	do	AUX
ajfti-2325	106	5	n’t	not	PART
ajfti-2325	106	6	exclusively	exclusively	ADV
ajfti-2325	106	7	focus	focus	VERB
ajfti-2325	106	8	on	on	ADP
ajfti-2325	106	9	fintech	fintech	NOUN
ajfti-2325	106	10	;	;	PUNCT
ajfti-2325	106	11	however	however	ADV
ajfti-2325	106	12	,	,	PUNCT
ajfti-2325	106	13	its	its	PRON
ajfti-2325	106	14	applicability	applicability	NOUN
ajfti-2325	106	15	to	to	ADP
ajfti-2325	106	16	the	the	DET
ajfti-2325	106	17	sector	sector	NOUN
ajfti-2325	106	18	is	be	AUX
ajfti-2325	106	19	both	both	PRON
ajfti-2325	106	20	timely	timely	ADJ
ajfti-2325	106	21	and	and	CCONJ
ajfti-2325	106	22	profound	profound	ADJ
ajfti-2325	106	23	.	.	PUNCT
ajfti-2325	107	1	rogers	rogers	PROPN
ajfti-2325	107	2	(	(	PUNCT
ajfti-2325	107	3	1962	1962	NUM
ajfti-2325	107	4	)	)	PUNCT
ajfti-2325	107	5	posited	posit	VERB
ajfti-2325	107	6	that	that	SCONJ
ajfti-2325	107	7	innovations	innovation	NOUN
ajfti-2325	107	8	disseminate	disseminate	VERB
ajfti-2325	107	9	through	through	ADP
ajfti-2325	107	10	societies	society	NOUN
ajfti-2325	107	11	in	in	ADP
ajfti-2325	107	12	an	an	DET
ajfti-2325	107	13	s	s	ADV
ajfti-2325	107	14	-	-	PUNCT
ajfti-2325	107	15	shaped	shape	VERB
ajfti-2325	107	16	curve	curve	NOUN
ajfti-2325	107	17	,	,	PUNCT
ajfti-2325	107	18	beginning	begin	VERB
ajfti-2325	107	19	with	with	ADP
ajfti-2325	107	20	pa	pa	PROPN
ajfti-2325	107	21	ge	ge	PROPN
ajfti-2325	107	22	38	38	NUM
ajfti-2325	107	23	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	PROPN
ajfti-2325	107	24	am	be	AUX
ajfti-2325	107	25	.	.	PUNCT
ajfti-2325	108	1	j.	j.	PROPN
ajfti-2325	108	2	financ	financ	PROPN
ajfti-2325	108	3	.	.	PUNCT
ajfti-2325	109	1	technol	technol	PROPN
ajfti-2325	109	2	.	.	PUNCT
ajfti-2325	109	3	innov	innov	PROPN
ajfti-2325	109	4	.	.	PUNCT
ajfti-2325	110	1	1(1	1(1	NUM
ajfti-2325	110	2	)	)	PUNCT
ajfti-2325	110	3	35	35	NUM
ajfti-2325	110	4	-	-	SYM
ajfti-2325	110	5	45	45	NUM
ajfti-2325	110	6	,	,	PUNCT
ajfti-2325	110	7	2023	2023	NUM
ajfti-2325	110	8	innovators	innovator	NOUN
ajfti-2325	110	9	,	,	PUNCT
ajfti-2325	110	10	then	then	ADV
ajfti-2325	110	11	early	early	ADJ
ajfti-2325	110	12	adopters	adopter	NOUN
ajfti-2325	110	13	,	,	PUNCT
ajfti-2325	110	14	the	the	DET
ajfti-2325	110	15	early	early	ADJ
ajfti-2325	110	16	majority	majority	NOUN
ajfti-2325	110	17	,	,	PUNCT
ajfti-2325	110	18	the	the	DET
ajfti-2325	110	19	late	late	ADJ
ajfti-2325	110	20	majority	majority	NOUN
ajfti-2325	110	21	,	,	PUNCT
ajfti-2325	110	22	and	and	CCONJ
ajfti-2325	110	23	finally	finally	ADV
ajfti-2325	110	24	,	,	PUNCT
ajfti-2325	110	25	the	the	DET
ajfti-2325	110	26	laggards	laggard	NOUN
ajfti-2325	110	27	.	.	PUNCT
ajfti-2325	111	1	the	the	DET
ajfti-2325	111	2	theory	theory	NOUN
ajfti-2325	111	3	encapsulates	encapsulate	VERB
ajfti-2325	111	4	factors	factor	NOUN
ajfti-2325	111	5	determining	determine	VERB
ajfti-2325	111	6	the	the	DET
ajfti-2325	111	7	rate	rate	NOUN
ajfti-2325	111	8	of	of	ADP
ajfti-2325	111	9	adoption	adoption	NOUN
ajfti-2325	111	10	,	,	PUNCT
ajfti-2325	111	11	including	include	VERB
ajfti-2325	111	12	relative	relative	ADJ
ajfti-2325	111	13	advantage	advantage	NOUN
ajfti-2325	111	14	,	,	PUNCT
ajfti-2325	111	15	compatibility	compatibility	NOUN
ajfti-2325	111	16	,	,	PUNCT
ajfti-2325	111	17	complexity	complexity	NOUN
ajfti-2325	111	18	,	,	PUNCT
ajfti-2325	111	19	trialability	trialability	NOUN
ajfti-2325	111	20	,	,	PUNCT
ajfti-2325	111	21	and	and	CCONJ
ajfti-2325	111	22	observability	observability	NOUN
ajfti-2325	111	23	.	.	PUNCT
ajfti-2325	112	1	in	in	ADP
ajfti-2325	112	2	the	the	DET
ajfti-2325	112	3	context	context	NOUN
ajfti-2325	112	4	of	of	ADP
ajfti-2325	112	5	fintech	fintech	NOUN
ajfti-2325	112	6	,	,	PUNCT
ajfti-2325	112	7	this	this	PRON
ajfti-2325	112	8	suggests	suggest	VERB
ajfti-2325	112	9	that	that	SCONJ
ajfti-2325	112	10	financial	financial	ADJ
ajfti-2325	112	11	technologies	technology	NOUN
ajfti-2325	112	12	,	,	PUNCT
ajfti-2325	112	13	despite	despite	SCONJ
ajfti-2325	112	14	their	their	PRON
ajfti-2325	112	15	inherent	inherent	ADJ
ajfti-2325	112	16	advantages	advantage	NOUN
ajfti-2325	112	17	,	,	PUNCT
ajfti-2325	112	18	would	would	AUX
ajfti-2325	112	19	still	still	ADV
ajfti-2325	112	20	face	face	VERB
ajfti-2325	112	21	varying	vary	VERB
ajfti-2325	112	22	rates	rate	NOUN
ajfti-2325	112	23	of	of	ADP
ajfti-2325	112	24	adoption	adoption	NOUN
ajfti-2325	112	25	based	base	VERB
ajfti-2325	112	26	on	on	ADP
ajfti-2325	112	27	their	their	PRON
ajfti-2325	112	28	perceived	perceive	VERB
ajfti-2325	112	29	benefits	benefit	NOUN
ajfti-2325	112	30	,	,	PUNCT
ajfti-2325	112	31	ease	ease	NOUN
ajfti-2325	112	32	of	of	ADP
ajfti-2325	112	33	use	use	NOUN
ajfti-2325	112	34	,	,	PUNCT
ajfti-2325	112	35	and	and	CCONJ
ajfti-2325	112	36	alignment	alignment	NOUN
ajfti-2325	112	37	with	with	ADP
ajfti-2325	112	38	existing	exist	VERB
ajfti-2325	112	39	systems	system	NOUN
ajfti-2325	112	40	and	and	CCONJ
ajfti-2325	112	41	cultural	cultural	ADJ
ajfti-2325	112	42	values	value	NOUN
ajfti-2325	112	43	.	.	PUNCT
ajfti-2325	113	1	the	the	DET
ajfti-2325	113	2	strength	strength	NOUN
ajfti-2325	113	3	of	of	ADP
ajfti-2325	113	4	rogers	roger	NOUN
ajfti-2325	113	5	’	'	PUNCT
ajfti-2325	113	6	theory	theory	NOUN
ajfti-2325	113	7	lies	lie	VERB
ajfti-2325	113	8	in	in	ADP
ajfti-2325	113	9	its	its	PRON
ajfti-2325	113	10	comprehensive	comprehensive	ADJ
ajfti-2325	113	11	framework	framework	NOUN
ajfti-2325	113	12	.	.	PUNCT
ajfti-2325	114	1	it	it	PRON
ajfti-2325	114	2	aptly	aptly	ADV
ajfti-2325	114	3	explains	explain	VERB
ajfti-2325	114	4	the	the	DET
ajfti-2325	114	5	variegated	variegate	VERB
ajfti-2325	114	6	adoption	adoption	NOUN
ajfti-2325	114	7	rates	rate	NOUN
ajfti-2325	114	8	of	of	ADP
ajfti-2325	114	9	fintech	fintech	NOUN
ajfti-2325	114	10	solutions	solution	NOUN
ajfti-2325	114	11	across	across	ADP
ajfti-2325	114	12	different	different	ADJ
ajfti-2325	114	13	countries	country	NOUN
ajfti-2325	114	14	and	and	CCONJ
ajfti-2325	114	15	demographics	demographic	NOUN
ajfti-2325	114	16	.	.	PUNCT
ajfti-2325	115	1	for	for	ADP
ajfti-2325	115	2	instance	instance	NOUN
ajfti-2325	115	3	,	,	PUNCT
ajfti-2325	115	4	mobile	mobile	ADJ
ajfti-2325	115	5	money	money	NOUN
ajfti-2325	115	6	services	service	NOUN
ajfti-2325	115	7	like	like	ADP
ajfti-2325	115	8	m	m	PROPN
ajfti-2325	115	9	-	-	PROPN
ajfti-2325	115	10	pesa	pesa	NOUN
ajfti-2325	115	11	saw	see	VERB
ajfti-2325	115	12	rapid	rapid	ADJ
ajfti-2325	115	13	adoption	adoption	NOUN
ajfti-2325	115	14	in	in	ADP
ajfti-2325	115	15	kenya	kenya	PROPN
ajfti-2325	115	16	due	due	ADP
ajfti-2325	115	17	to	to	ADP
ajfti-2325	115	18	its	its	PRON
ajfti-2325	115	19	immediate	immediate	ADJ
ajfti-2325	115	20	perceived	perceive	VERB
ajfti-2325	115	21	relative	relative	ADJ
ajfti-2325	115	22	advantage	advantage	NOUN
ajfti-2325	115	23	for	for	ADP
ajfti-2325	115	24	the	the	DET
ajfti-2325	115	25	unbanked	unbanked	ADJ
ajfti-2325	115	26	populace	populace	NOUN
ajfti-2325	115	27	.	.	PUNCT
ajfti-2325	116	1	the	the	DET
ajfti-2325	116	2	theory	theory	NOUN
ajfti-2325	116	3	also	also	ADV
ajfti-2325	116	4	underscores	underscore	VERB
ajfti-2325	116	5	the	the	DET
ajfti-2325	116	6	importance	importance	NOUN
ajfti-2325	116	7	of	of	ADP
ajfti-2325	116	8	early	early	ADJ
ajfti-2325	116	9	adopters	adopter	NOUN
ajfti-2325	116	10	–	–	PUNCT
ajfti-2325	116	11	a	a	DET
ajfti-2325	116	12	group	group	NOUN
ajfti-2325	116	13	crucial	crucial	ADJ
ajfti-2325	116	14	for	for	ADP
ajfti-2325	116	15	fintech	fintech	NOUN
ajfti-2325	116	16	startups	startup	NOUN
ajfti-2325	116	17	seeking	seek	VERB
ajfti-2325	116	18	market	market	NOUN
ajfti-2325	116	19	penetration	penetration	NOUN
ajfti-2325	116	20	and	and	CCONJ
ajfti-2325	116	21	influence	influence	NOUN
ajfti-2325	116	22	.	.	PUNCT
ajfti-2325	117	1	however	however	ADV
ajfti-2325	117	2	,	,	PUNCT
ajfti-2325	117	3	the	the	DET
ajfti-2325	117	4	“	"	PUNCT
ajfti-2325	117	5	innovation	innovation	NOUN
ajfti-2325	117	6	diffusion	diffusion	NOUN
ajfti-2325	117	7	theory	theory	NOUN
ajfti-2325	117	8	”	"	PUNCT
ajfti-2325	117	9	is	be	AUX
ajfti-2325	117	10	n’t	not	PART
ajfti-2325	117	11	without	without	ADP
ajfti-2325	117	12	criticisms	criticism	NOUN
ajfti-2325	117	13	.	.	PUNCT
ajfti-2325	118	1	some	some	DET
ajfti-2325	118	2	scholars	scholar	NOUN
ajfti-2325	118	3	argue	argue	VERB
ajfti-2325	118	4	that	that	SCONJ
ajfti-2325	118	5	it	it	PRON
ajfti-2325	118	6	’s	’	VERB
ajfti-2325	118	7	too	too	ADV
ajfti-2325	118	8	linear	linear	ADJ
ajfti-2325	118	9	and	and	CCONJ
ajfti-2325	118	10	deterministic	deterministic	ADJ
ajfti-2325	118	11	,	,	PUNCT
ajfti-2325	118	12	not	not	PART
ajfti-2325	118	13	sufficiently	sufficiently	ADV
ajfti-2325	118	14	accounting	account	VERB
ajfti-2325	118	15	for	for	ADP
ajfti-2325	118	16	the	the	DET
ajfti-2325	118	17	dynamic	dynamic	ADJ
ajfti-2325	118	18	feedback	feedback	NOUN
ajfti-2325	118	19	loops	loop	NOUN
ajfti-2325	118	20	often	often	ADV
ajfti-2325	118	21	present	present	ADJ
ajfti-2325	118	22	in	in	ADP
ajfti-2325	118	23	the	the	DET
ajfti-2325	118	24	adoption	adoption	NOUN
ajfti-2325	118	25	of	of	ADP
ajfti-2325	118	26	innovations	innovation	NOUN
ajfti-2325	118	27	(	(	PUNCT
ajfti-2325	118	28	wolfram	wolfram	PROPN
ajfti-2325	118	29	,	,	PUNCT
ajfti-2325	118	30	2016	2016	NUM
ajfti-2325	118	31	)	)	PUNCT
ajfti-2325	118	32	.	.	PUNCT
ajfti-2325	119	1	others	other	NOUN
ajfti-2325	119	2	posit	posit	VERB
ajfti-2325	119	3	that	that	SCONJ
ajfti-2325	119	4	the	the	DET
ajfti-2325	119	5	theory	theory	NOUN
ajfti-2325	119	6	,	,	PUNCT
ajfti-2325	119	7	while	while	SCONJ
ajfti-2325	119	8	elucidative	elucidative	NOUN
ajfti-2325	119	9	,	,	PUNCT
ajfti-2325	119	10	often	often	ADV
ajfti-2325	119	11	underemphasizes	underemphasize	VERB
ajfti-2325	119	12	the	the	DET
ajfti-2325	119	13	role	role	NOUN
ajfti-2325	119	14	of	of	ADP
ajfti-2325	119	15	societal	societal	ADJ
ajfti-2325	119	16	structures	structure	NOUN
ajfti-2325	119	17	and	and	CCONJ
ajfti-2325	119	18	power	power	NOUN
ajfti-2325	119	19	relations	relation	NOUN
ajfti-2325	119	20	in	in	ADP
ajfti-2325	119	21	shaping	shape	VERB
ajfti-2325	119	22	adoption	adoption	NOUN
ajfti-2325	119	23	patterns	pattern	NOUN
ajfti-2325	119	24	(	(	PUNCT
ajfti-2325	119	25	greenhalgh	greenhalgh	PROPN
ajfti-2325	119	26	et	et	PROPN
ajfti-2325	119	27	al	al	PROPN
ajfti-2325	119	28	.	.	PROPN
ajfti-2325	119	29	,	,	PUNCT
ajfti-2325	119	30	2004	2004	NUM
ajfti-2325	119	31	)	)	PUNCT
ajfti-2325	119	32	.	.	PUNCT
ajfti-2325	120	1	in	in	ADP
ajfti-2325	120	2	relation	relation	NOUN
ajfti-2325	120	3	to	to	ADP
ajfti-2325	120	4	the	the	DET
ajfti-2325	120	5	present	present	ADJ
ajfti-2325	120	6	study	study	NOUN
ajfti-2325	120	7	on	on	ADP
ajfti-2325	120	8	the	the	DET
ajfti-2325	120	9	impact	impact	NOUN
ajfti-2325	120	10	of	of	ADP
ajfti-2325	120	11	fintech	fintech	NOUN
ajfti-2325	120	12	on	on	ADP
ajfti-2325	120	13	the	the	DET
ajfti-2325	120	14	nigerian	nigerian	ADJ
ajfti-2325	120	15	economy	economy	NOUN
ajfti-2325	120	16	,	,	PUNCT
ajfti-2325	120	17	the	the	DET
ajfti-2325	120	18	“	"	PUNCT
ajfti-2325	120	19	innovation	innovation	NOUN
ajfti-2325	120	20	diffusion	diffusion	NOUN
ajfti-2325	120	21	theory	theory	NOUN
ajfti-2325	120	22	”	"	PUNCT
ajfti-2325	120	23	provides	provide	VERB
ajfti-2325	120	24	a	a	DET
ajfti-2325	120	25	different	different	ADJ
ajfti-2325	120	26	approach	approach	NOUN
ajfti-2325	120	27	to	to	PART
ajfti-2325	120	28	interpret	interpret	VERB
ajfti-2325	120	29	findings	finding	NOUN
ajfti-2325	120	30	.	.	PUNCT
ajfti-2325	121	1	nigeria	nigeria	PROPN
ajfti-2325	121	2	presents	present	VERB
ajfti-2325	121	3	a	a	DET
ajfti-2325	121	4	mosaic	mosaic	NOUN
ajfti-2325	121	5	of	of	ADP
ajfti-2325	121	6	adoption	adoption	NOUN
ajfti-2325	121	7	patterns	pattern	NOUN
ajfti-2325	121	8	–	–	PUNCT
ajfti-2325	121	9	while	while	SCONJ
ajfti-2325	121	10	certain	certain	ADJ
ajfti-2325	121	11	fintech	fintech	NOUN
ajfti-2325	121	12	innovations	innovation	NOUN
ajfti-2325	121	13	like	like	ADP
ajfti-2325	121	14	mobile	mobile	ADJ
ajfti-2325	121	15	banking	banking	NOUN
ajfti-2325	121	16	have	have	AUX
ajfti-2325	121	17	gained	gain	VERB
ajfti-2325	121	18	traction	traction	NOUN
ajfti-2325	121	19	,	,	PUNCT
ajfti-2325	121	20	others	other	NOUN
ajfti-2325	121	21	face	face	VERB
ajfti-2325	121	22	resistance	resistance	NOUN
ajfti-2325	121	23	.	.	PUNCT
ajfti-2325	122	1	the	the	DET
ajfti-2325	122	2	theory	theory	NOUN
ajfti-2325	122	3	could	could	AUX
ajfti-2325	122	4	explain	explain	VERB
ajfti-2325	122	5	why	why	SCONJ
ajfti-2325	122	6	certain	certain	ADJ
ajfti-2325	122	7	demographics	demographic	NOUN
ajfti-2325	122	8	or	or	CCONJ
ajfti-2325	122	9	regions	region	NOUN
ajfti-2325	122	10	in	in	ADP
ajfti-2325	122	11	nigeria	nigeria	PROPN
ajfti-2325	122	12	might	might	AUX
ajfti-2325	122	13	be	be	AUX
ajfti-2325	122	14	early	early	ADJ
ajfti-2325	122	15	adopters	adopter	NOUN
ajfti-2325	122	16	,	,	PUNCT
ajfti-2325	122	17	while	while	SCONJ
ajfti-2325	122	18	others	other	NOUN
ajfti-2325	122	19	lag	lag	VERB
ajfti-2325	122	20	behind	behind	ADV
ajfti-2325	122	21	.	.	PUNCT
ajfti-2325	123	1	moreover	moreover	ADV
ajfti-2325	123	2	,	,	PUNCT
ajfti-2325	123	3	understanding	understand	VERB
ajfti-2325	123	4	the	the	DET
ajfti-2325	123	5	stages	stage	NOUN
ajfti-2325	123	6	of	of	ADP
ajfti-2325	123	7	diffusion	diffusion	NOUN
ajfti-2325	123	8	could	could	AUX
ajfti-2325	123	9	be	be	AUX
ajfti-2325	123	10	pivotal	pivotal	ADJ
ajfti-2325	123	11	for	for	ADP
ajfti-2325	123	12	policymakers	policymaker	NOUN
ajfti-2325	123	13	and	and	CCONJ
ajfti-2325	123	14	businesses	business	NOUN
ajfti-2325	123	15	aiming	aim	VERB
ajfti-2325	123	16	to	to	ADP
ajfti-2325	123	17	catalyze	catalyze	NOUN
ajfti-2325	123	18	fintech	fintech	NOUN
ajfti-2325	123	19	’s	’s	PART
ajfti-2325	123	20	positive	positive	ADJ
ajfti-2325	123	21	impact	impact	NOUN
ajfti-2325	123	22	on	on	ADP
ajfti-2325	123	23	nigeria	nigeria	PROPN
ajfti-2325	123	24	’s	’s	PART
ajfti-2325	123	25	economic	economic	ADJ
ajfti-2325	123	26	growth	growth	NOUN
ajfti-2325	123	27	.	.	PUNCT
ajfti-2325	124	1	financial	financial	ADJ
ajfti-2325	124	2	intermediation	intermediation	NOUN
ajfti-2325	124	3	theory	theory	NOUN
ajfti-2325	124	4	a	a	DET
ajfti-2325	124	5	pivotal	pivotal	ADJ
ajfti-2325	124	6	theory	theory	NOUN
ajfti-2325	124	7	in	in	ADP
ajfti-2325	124	8	understanding	understand	VERB
ajfti-2325	124	9	the	the	DET
ajfti-2325	124	10	structure	structure	NOUN
ajfti-2325	124	11	,	,	PUNCT
ajfti-2325	124	12	behavior	behavior	NOUN
ajfti-2325	124	13	,	,	PUNCT
ajfti-2325	124	14	and	and	CCONJ
ajfti-2325	124	15	evolution	evolution	NOUN
ajfti-2325	124	16	of	of	ADP
ajfti-2325	124	17	financial	financial	ADJ
ajfti-2325	124	18	markets	market	NOUN
ajfti-2325	124	19	and	and	CCONJ
ajfti-2325	124	20	institutions	institution	NOUN
ajfti-2325	124	21	is	be	AUX
ajfti-2325	124	22	the	the	DET
ajfti-2325	124	23	“	"	PUNCT
ajfti-2325	124	24	financial	financial	ADJ
ajfti-2325	124	25	intermediation	intermediation	NOUN
ajfti-2325	124	26	theory	theory	NOUN
ajfti-2325	124	27	.	.	PUNCT
ajfti-2325	124	28	”	"	PUNCT
ajfti-2325	125	1	the	the	DET
ajfti-2325	125	2	“	"	PUNCT
ajfti-2325	125	3	financial	financial	ADJ
ajfti-2325	125	4	intermediation	intermediation	NOUN
ajfti-2325	125	5	theory	theory	NOUN
ajfti-2325	125	6	”	"	PUNCT
ajfti-2325	125	7	revolves	revolve	VERB
ajfti-2325	125	8	around	around	ADP
ajfti-2325	125	9	the	the	DET
ajfti-2325	125	10	role	role	NOUN
ajfti-2325	125	11	and	and	CCONJ
ajfti-2325	125	12	functioning	functioning	NOUN
ajfti-2325	125	13	of	of	ADP
ajfti-2325	125	14	financial	financial	ADJ
ajfti-2325	125	15	intermediaries	intermediary	NOUN
ajfti-2325	125	16	–	–	PUNCT
ajfti-2325	125	17	entities	entity	NOUN
ajfti-2325	125	18	that	that	PRON
ajfti-2325	125	19	act	act	VERB
ajfti-2325	125	20	as	as	ADP
ajfti-2325	125	21	middlemen	middleman	NOUN
ajfti-2325	125	22	between	between	ADP
ajfti-2325	125	23	savers	saver	NOUN
ajfti-2325	125	24	and	and	CCONJ
ajfti-2325	125	25	borrowers	borrower	NOUN
ajfti-2325	125	26	.	.	PUNCT
ajfti-2325	126	1	the	the	DET
ajfti-2325	126	2	classical	classical	ADJ
ajfti-2325	126	3	work	work	NOUN
ajfti-2325	126	4	of	of	ADP
ajfti-2325	126	5	gurley	gurley	PROPN
ajfti-2325	126	6	and	and	CCONJ
ajfti-2325	126	7	shaw	shaw	PROPN
ajfti-2325	126	8	(	(	PUNCT
ajfti-2325	126	9	1955	1955	NUM
ajfti-2325	126	10	)	)	PUNCT
ajfti-2325	126	11	serves	serve	VERB
ajfti-2325	126	12	as	as	ADP
ajfti-2325	126	13	a	a	DET
ajfti-2325	126	14	foundational	foundational	ADJ
ajfti-2325	126	15	pillar	pillar	NOUN
ajfti-2325	126	16	in	in	ADP
ajfti-2325	126	17	this	this	DET
ajfti-2325	126	18	domain	domain	NOUN
ajfti-2325	126	19	.	.	PUNCT
ajfti-2325	127	1	they	they	PRON
ajfti-2325	127	2	argued	argue	VERB
ajfti-2325	127	3	that	that	SCONJ
ajfti-2325	127	4	financial	financial	ADJ
ajfti-2325	127	5	intermediaries	intermediary	NOUN
ajfti-2325	127	6	emerge	emerge	VERB
ajfti-2325	127	7	to	to	PART
ajfti-2325	127	8	reduce	reduce	VERB
ajfti-2325	127	9	transaction	transaction	NOUN
ajfti-2325	127	10	costs	cost	NOUN
ajfti-2325	127	11	,	,	PUNCT
ajfti-2325	127	12	manage	manage	VERB
ajfti-2325	127	13	risks	risk	NOUN
ajfti-2325	127	14	,	,	PUNCT
ajfti-2325	127	15	and	and	CCONJ
ajfti-2325	127	16	address	address	VERB
ajfti-2325	127	17	informational	informational	ADJ
ajfti-2325	127	18	asymmetries	asymmetry	NOUN
ajfti-2325	127	19	in	in	ADP
ajfti-2325	127	20	the	the	DET
ajfti-2325	127	21	market	market	NOUN
ajfti-2325	127	22	.	.	PUNCT
ajfti-2325	128	1	instead	instead	ADV
ajfti-2325	128	2	of	of	ADP
ajfti-2325	128	3	individual	individual	ADJ
ajfti-2325	128	4	savers	saver	NOUN
ajfti-2325	128	5	directly	directly	ADV
ajfti-2325	128	6	lending	lend	VERB
ajfti-2325	128	7	to	to	ADP
ajfti-2325	128	8	borrowers	borrower	NOUN
ajfti-2325	128	9	,	,	PUNCT
ajfti-2325	128	10	which	which	PRON
ajfti-2325	128	11	can	can	AUX
ajfti-2325	128	12	be	be	AUX
ajfti-2325	128	13	inefficient	inefficient	ADJ
ajfti-2325	128	14	and	and	CCONJ
ajfti-2325	128	15	fraught	fraught	ADJ
ajfti-2325	128	16	with	with	ADP
ajfti-2325	128	17	uncertainties	uncertainty	NOUN
ajfti-2325	128	18	,	,	PUNCT
ajfti-2325	128	19	intermediaries	intermediary	NOUN
ajfti-2325	128	20	like	like	ADP
ajfti-2325	128	21	banks	bank	NOUN
ajfti-2325	128	22	,	,	PUNCT
ajfti-2325	128	23	insurance	insurance	NOUN
ajfti-2325	128	24	companies	company	NOUN
ajfti-2325	128	25	,	,	PUNCT
ajfti-2325	128	26	and	and	CCONJ
ajfti-2325	128	27	mutual	mutual	ADJ
ajfti-2325	128	28	funds	fund	NOUN
ajfti-2325	128	29	pool	pool	NOUN
ajfti-2325	128	30	resources	resource	NOUN
ajfti-2325	128	31	and	and	CCONJ
ajfti-2325	128	32	lend	lend	VERB
ajfti-2325	128	33	them	they	PRON
ajfti-2325	128	34	out	out	ADP
ajfti-2325	128	35	,	,	PUNCT
ajfti-2325	128	36	leveraging	leverage	VERB
ajfti-2325	128	37	their	their	PRON
ajfti-2325	128	38	expertise	expertise	NOUN
ajfti-2325	128	39	,	,	PUNCT
ajfti-2325	128	40	scale	scale	NOUN
ajfti-2325	128	41	,	,	PUNCT
ajfti-2325	128	42	and	and	CCONJ
ajfti-2325	128	43	diversification	diversification	NOUN
ajfti-2325	128	44	.	.	PUNCT
ajfti-2325	129	1	in	in	ADP
ajfti-2325	129	2	the	the	DET
ajfti-2325	129	3	fintech	fintech	NOUN
ajfti-2325	129	4	landscape	landscape	NOUN
ajfti-2325	129	5	,	,	PUNCT
ajfti-2325	129	6	this	this	DET
ajfti-2325	129	7	theory	theory	NOUN
ajfti-2325	129	8	becomes	become	VERB
ajfti-2325	129	9	especially	especially	ADV
ajfti-2325	129	10	salient	salient	NOUN
ajfti-2325	129	11	.	.	PUNCT
ajfti-2325	130	1	traditional	traditional	ADJ
ajfti-2325	130	2	banks	bank	NOUN
ajfti-2325	130	3	,	,	PUNCT
ajfti-2325	130	4	as	as	ADP
ajfti-2325	130	5	financial	financial	ADJ
ajfti-2325	130	6	intermediaries	intermediary	NOUN
ajfti-2325	130	7	,	,	PUNCT
ajfti-2325	130	8	are	be	AUX
ajfti-2325	130	9	now	now	ADV
ajfti-2325	130	10	being	be	AUX
ajfti-2325	130	11	complemented	complement	VERB
ajfti-2325	130	12	(	(	PUNCT
ajfti-2325	130	13	or	or	CCONJ
ajfti-2325	130	14	even	even	ADV
ajfti-2325	130	15	challenged	challenge	VERB
ajfti-2325	130	16	)	)	PUNCT
ajfti-2325	130	17	by	by	ADP
ajfti-2325	130	18	digital	digital	ADJ
ajfti-2325	130	19	platforms	platform	NOUN
ajfti-2325	130	20	that	that	PRON
ajfti-2325	130	21	also	also	ADV
ajfti-2325	130	22	perform	perform	VERB
ajfti-2325	130	23	intermediation	intermediation	NOUN
ajfti-2325	130	24	,	,	PUNCT
ajfti-2325	130	25	albeit	albeit	SCONJ
ajfti-2325	130	26	with	with	ADP
ajfti-2325	130	27	different	different	ADJ
ajfti-2325	130	28	mechanisms	mechanism	NOUN
ajfti-2325	130	29	.	.	PUNCT
ajfti-2325	131	1	peer	peer	NOUN
ajfti-2325	131	2	-	-	PUNCT
ajfti-2325	131	3	to	to	ADP
ajfti-2325	131	4	-	-	PUNCT
ajfti-2325	131	5	peer	peer	NOUN
ajfti-2325	131	6	lending	lending	NOUN
ajfti-2325	131	7	platforms	platform	NOUN
ajfti-2325	131	8	,	,	PUNCT
ajfti-2325	131	9	robo	robo	NOUN
ajfti-2325	131	10	-	-	PUNCT
ajfti-2325	131	11	advisors	advisor	NOUN
ajfti-2325	131	12	,	,	PUNCT
ajfti-2325	131	13	and	and	CCONJ
ajfti-2325	131	14	crowdfunding	crowdfunding	NOUN
ajfti-2325	131	15	portals	portal	NOUN
ajfti-2325	131	16	are	be	AUX
ajfti-2325	131	17	all	all	PRON
ajfti-2325	131	18	modern	modern	ADJ
ajfti-2325	131	19	embodiments	embodiment	NOUN
ajfti-2325	131	20	of	of	ADP
ajfti-2325	131	21	the	the	DET
ajfti-2325	131	22	financial	financial	ADJ
ajfti-2325	131	23	intermediation	intermediation	NOUN
ajfti-2325	131	24	concept	concept	NOUN
ajfti-2325	131	25	,	,	PUNCT
ajfti-2325	131	26	leveraging	leverage	VERB
ajfti-2325	131	27	technology	technology	NOUN
ajfti-2325	131	28	to	to	PART
ajfti-2325	131	29	potentially	potentially	ADV
ajfti-2325	131	30	enhance	enhance	VERB
ajfti-2325	131	31	efficiency	efficiency	NOUN
ajfti-2325	131	32	,	,	PUNCT
ajfti-2325	131	33	reduce	reduce	VERB
ajfti-2325	131	34	costs	cost	NOUN
ajfti-2325	131	35	,	,	PUNCT
ajfti-2325	131	36	and	and	CCONJ
ajfti-2325	131	37	democratize	democratize	VERB
ajfti-2325	131	38	finance	finance	NOUN
ajfti-2325	131	39	.	.	PUNCT
ajfti-2325	132	1	the	the	DET
ajfti-2325	132	2	strength	strength	NOUN
ajfti-2325	132	3	of	of	ADP
ajfti-2325	132	4	the	the	DET
ajfti-2325	132	5	“	"	PUNCT
ajfti-2325	132	6	financial	financial	ADJ
ajfti-2325	132	7	intermediation	intermediation	NOUN
ajfti-2325	132	8	theory	theory	NOUN
ajfti-2325	132	9	”	"	PUNCT
ajfti-2325	132	10	lies	lie	VERB
ajfti-2325	132	11	in	in	ADP
ajfti-2325	132	12	its	its	PRON
ajfti-2325	132	13	comprehensive	comprehensive	ADJ
ajfti-2325	132	14	explanation	explanation	NOUN
ajfti-2325	132	15	of	of	ADP
ajfti-2325	132	16	why	why	SCONJ
ajfti-2325	132	17	certain	certain	ADJ
ajfti-2325	132	18	financial	financial	ADJ
ajfti-2325	132	19	institutions	institution	NOUN
ajfti-2325	132	20	exist	exist	VERB
ajfti-2325	132	21	and	and	CCONJ
ajfti-2325	132	22	how	how	SCONJ
ajfti-2325	132	23	they	they	PRON
ajfti-2325	132	24	add	add	VERB
ajfti-2325	132	25	value	value	NOUN
ajfti-2325	132	26	in	in	ADP
ajfti-2325	132	27	the	the	DET
ajfti-2325	132	28	economic	economic	ADJ
ajfti-2325	132	29	system	system	NOUN
ajfti-2325	132	30	.	.	PUNCT
ajfti-2325	133	1	it	it	PRON
ajfti-2325	133	2	provides	provide	VERB
ajfti-2325	133	3	a	a	DET
ajfti-2325	133	4	framework	framework	NOUN
ajfti-2325	133	5	to	to	PART
ajfti-2325	133	6	understand	understand	VERB
ajfti-2325	133	7	the	the	DET
ajfti-2325	133	8	transformation	transformation	NOUN
ajfti-2325	133	9	of	of	ADP
ajfti-2325	133	10	savings	saving	NOUN
ajfti-2325	133	11	into	into	ADP
ajfti-2325	133	12	investments	investment	NOUN
ajfti-2325	133	13	,	,	PUNCT
ajfti-2325	133	14	the	the	DET
ajfti-2325	133	15	management	management	NOUN
ajfti-2325	133	16	of	of	ADP
ajfti-2325	133	17	risks	risk	NOUN
ajfti-2325	133	18	,	,	PUNCT
ajfti-2325	133	19	and	and	CCONJ
ajfti-2325	133	20	the	the	DET
ajfti-2325	133	21	allocation	allocation	NOUN
ajfti-2325	133	22	of	of	ADP
ajfti-2325	133	23	capital	capital	NOUN
ajfti-2325	133	24	in	in	ADP
ajfti-2325	133	25	economies	economy	NOUN
ajfti-2325	133	26	.	.	PUNCT
ajfti-2325	134	1	however	however	ADV
ajfti-2325	134	2	,	,	PUNCT
ajfti-2325	134	3	it	it	PRON
ajfti-2325	134	4	’s	’	VERB
ajfti-2325	134	5	not	not	PART
ajfti-2325	134	6	without	without	ADP
ajfti-2325	134	7	criticisms	criticism	NOUN
ajfti-2325	134	8	.	.	PUNCT
ajfti-2325	135	1	the	the	DET
ajfti-2325	135	2	digital	digital	ADJ
ajfti-2325	135	3	age	age	NOUN
ajfti-2325	135	4	has	have	AUX
ajfti-2325	135	5	introduced	introduce	VERB
ajfti-2325	135	6	new	new	ADJ
ajfti-2325	135	7	forms	form	NOUN
ajfti-2325	135	8	of	of	ADP
ajfti-2325	135	9	intermediation	intermediation	NOUN
ajfti-2325	135	10	that	that	PRON
ajfti-2325	135	11	challenge	challenge	VERB
ajfti-2325	135	12	traditional	traditional	ADJ
ajfti-2325	135	13	paradigms	paradigm	NOUN
ajfti-2325	135	14	.	.	PUNCT
ajfti-2325	136	1	critics	critic	NOUN
ajfti-2325	136	2	argue	argue	VERB
ajfti-2325	136	3	that	that	SCONJ
ajfti-2325	136	4	the	the	DET
ajfti-2325	136	5	classical	classical	ADJ
ajfti-2325	136	6	intermediation	intermediation	NOUN
ajfti-2325	136	7	theory	theory	NOUN
ajfti-2325	136	8	may	may	AUX
ajfti-2325	136	9	not	not	PART
ajfti-2325	136	10	fully	fully	ADV
ajfti-2325	136	11	capture	capture	VERB
ajfti-2325	136	12	the	the	DET
ajfti-2325	136	13	importance	importance	NOUN
ajfti-2325	136	14	of	of	ADP
ajfti-2325	136	15	digital	digital	ADJ
ajfti-2325	136	16	finance	finance	NOUN
ajfti-2325	136	17	platforms	platform	NOUN
ajfti-2325	136	18	,	,	PUNCT
ajfti-2325	136	19	especially	especially	ADV
ajfti-2325	136	20	those	those	PRON
ajfti-2325	136	21	that	that	PRON
ajfti-2325	136	22	operate	operate	VERB
ajfti-2325	136	23	on	on	ADP
ajfti-2325	136	24	decentralized	decentralize	VERB
ajfti-2325	136	25	systems	system	NOUN
ajfti-2325	136	26	like	like	ADP
ajfti-2325	136	27	blockchain	blockchain	PROPN
ajfti-2325	136	28	(	(	PUNCT
ajfti-2325	136	29	tapscott	tapscott	PROPN
ajfti-2325	136	30	&	&	CCONJ
ajfti-2325	136	31	tapscott	tapscott	PROPN
ajfti-2325	136	32	,	,	PUNCT
ajfti-2325	136	33	2016	2016	NUM
ajfti-2325	136	34	)	)	PUNCT
ajfti-2325	136	35	.	.	PUNCT
ajfti-2325	137	1	moreover	moreover	ADV
ajfti-2325	137	2	,	,	PUNCT
ajfti-2325	137	3	while	while	SCONJ
ajfti-2325	137	4	intermediaries	intermediary	NOUN
ajfti-2325	137	5	reduce	reduce	VERB
ajfti-2325	137	6	risks	risk	NOUN
ajfti-2325	137	7	,	,	PUNCT
ajfti-2325	137	8	they	they	PRON
ajfti-2325	137	9	can	can	AUX
ajfti-2325	137	10	also	also	ADV
ajfti-2325	137	11	introduce	introduce	VERB
ajfti-2325	137	12	systemic	systemic	ADJ
ajfti-2325	137	13	risks	risk	NOUN
ajfti-2325	137	14	,	,	PUNCT
ajfti-2325	137	15	as	as	SCONJ
ajfti-2325	137	16	was	be	AUX
ajfti-2325	137	17	evident	evident	ADJ
ajfti-2325	137	18	in	in	ADP
ajfti-2325	137	19	the	the	DET
ajfti-2325	137	20	2008	2008	NUM
ajfti-2325	137	21	financial	financial	ADJ
ajfti-2325	137	22	crisis	crisis	NOUN
ajfti-2325	137	23	(	(	PUNCT
ajfti-2325	137	24	gorton	gorton	PROPN
ajfti-2325	137	25	&	&	CCONJ
ajfti-2325	137	26	metrick	metrick	ADJ
ajfti-2325	137	27	,	,	PUNCT
ajfti-2325	137	28	2012	2012	NUM
ajfti-2325	137	29	)	)	PUNCT
ajfti-2325	137	30	.	.	PUNCT
ajfti-2325	138	1	for	for	ADP
ajfti-2325	138	2	nigeria	nigeria	PROPN
ajfti-2325	138	3	,	,	PUNCT
ajfti-2325	138	4	understanding	understand	VERB
ajfti-2325	138	5	the	the	DET
ajfti-2325	138	6	“	"	PUNCT
ajfti-2325	138	7	financial	financial	ADJ
ajfti-2325	138	8	intermediation	intermediation	NOUN
ajfti-2325	138	9	theory	theory	NOUN
ajfti-2325	138	10	”	"	PUNCT
ajfti-2325	138	11	is	be	AUX
ajfti-2325	138	12	essential	essential	ADJ
ajfti-2325	138	13	in	in	ADP
ajfti-2325	138	14	navigating	navigate	VERB
ajfti-2325	138	15	its	its	PRON
ajfti-2325	138	16	burgeoning	burgeon	VERB
ajfti-2325	138	17	fintech	fintech	NOUN
ajfti-2325	138	18	landscape	landscape	NOUN
ajfti-2325	138	19	.	.	PUNCT
ajfti-2325	139	1	with	with	ADP
ajfti-2325	139	2	a	a	DET
ajfti-2325	139	3	robust	robust	ADJ
ajfti-2325	139	4	traditional	traditional	ADJ
ajfti-2325	139	5	banking	banking	NOUN
ajfti-2325	139	6	system	system	NOUN
ajfti-2325	139	7	juxtaposed	juxtapose	VERB
ajfti-2325	139	8	with	with	ADP
ajfti-2325	139	9	rapidly	rapidly	ADV
ajfti-2325	139	10	emerging	emerge	VERB
ajfti-2325	139	11	digital	digital	ADJ
ajfti-2325	139	12	financial	financial	ADJ
ajfti-2325	139	13	platforms	platform	NOUN
ajfti-2325	139	14	,	,	PUNCT
ajfti-2325	139	15	nigeria	nigeria	PROPN
ajfti-2325	139	16	is	be	AUX
ajfti-2325	139	17	at	at	ADP
ajfti-2325	139	18	an	an	DET
ajfti-2325	139	19	inflection	inflection	NOUN
ajfti-2325	139	20	point	point	NOUN
ajfti-2325	139	21	.	.	PUNCT
ajfti-2325	140	1	the	the	DET
ajfti-2325	140	2	theory	theory	NOUN
ajfti-2325	140	3	offers	offer	VERB
ajfti-2325	140	4	insights	insight	NOUN
ajfti-2325	140	5	into	into	ADP
ajfti-2325	140	6	how	how	SCONJ
ajfti-2325	140	7	digital	digital	ADJ
ajfti-2325	140	8	platforms	platform	NOUN
ajfti-2325	140	9	might	might	AUX
ajfti-2325	140	10	reshape	reshape	VERB
ajfti-2325	140	11	financial	financial	ADJ
ajfti-2325	140	12	intermediation	intermediation	NOUN
ajfti-2325	140	13	,	,	PUNCT
ajfti-2325	140	14	potentially	potentially	ADV
ajfti-2325	140	15	offering	offer	VERB
ajfti-2325	140	16	more	more	ADJ
ajfti-2325	140	17	inclusive	inclusive	ADJ
ajfti-2325	140	18	,	,	PUNCT
ajfti-2325	140	19	efficient	efficient	ADJ
ajfti-2325	140	20	,	,	PUNCT
ajfti-2325	140	21	and	and	CCONJ
ajfti-2325	140	22	resilient	resilient	ADJ
ajfti-2325	140	23	financial	financial	ADJ
ajfti-2325	140	24	services	service	NOUN
ajfti-2325	140	25	.	.	PUNCT
ajfti-2325	141	1	as	as	SCONJ
ajfti-2325	141	2	nigeria	nigeria	PROPN
ajfti-2325	141	3	aspires	aspire	VERB
ajfti-2325	141	4	for	for	ADP
ajfti-2325	141	5	robust	robust	ADJ
ajfti-2325	141	6	economic	economic	ADJ
ajfti-2325	141	7	growth	growth	NOUN
ajfti-2325	141	8	,	,	PUNCT
ajfti-2325	141	9	the	the	DET
ajfti-2325	141	10	evolution	evolution	NOUN
ajfti-2325	141	11	of	of	ADP
ajfti-2325	141	12	its	its	PRON
ajfti-2325	141	13	financial	financial	ADJ
ajfti-2325	141	14	system	system	NOUN
ajfti-2325	141	15	,	,	PUNCT
ajfti-2325	141	16	guided	guide	VERB
ajfti-2325	141	17	by	by	ADP
ajfti-2325	141	18	both	both	CCONJ
ajfti-2325	141	19	traditional	traditional	ADJ
ajfti-2325	141	20	and	and	CCONJ
ajfti-2325	141	21	modern	modern	ADJ
ajfti-2325	141	22	tenets	tenet	NOUN
ajfti-2325	141	23	of	of	ADP
ajfti-2325	141	24	financial	financial	ADJ
ajfti-2325	141	25	intermediation	intermediation	NOUN
ajfti-2325	141	26	,	,	PUNCT
ajfti-2325	141	27	will	will	AUX
ajfti-2325	141	28	play	play	VERB
ajfti-2325	141	29	a	a	DET
ajfti-2325	141	30	pivotal	pivotal	ADJ
ajfti-2325	141	31	role	role	NOUN
ajfti-2325	141	32	.	.	PUNCT
ajfti-2325	142	1	solow	solow	PROPN
ajfti-2325	142	2	growth	growth	PROPN
ajfti-2325	142	3	model	model	NOUN
ajfti-2325	142	4	one	one	NUM
ajfti-2325	142	5	of	of	ADP
ajfti-2325	142	6	the	the	DET
ajfti-2325	142	7	foundational	foundational	ADJ
ajfti-2325	142	8	theories	theory	NOUN
ajfti-2325	142	9	used	use	VERB
ajfti-2325	142	10	to	to	PART
ajfti-2325	142	11	understand	understand	VERB
ajfti-2325	142	12	the	the	DET
ajfti-2325	142	13	determinants	determinant	NOUN
ajfti-2325	142	14	and	and	CCONJ
ajfti-2325	142	15	drivers	driver	NOUN
ajfti-2325	142	16	of	of	ADP
ajfti-2325	142	17	economic	economic	ADJ
ajfti-2325	142	18	growth	growth	NOUN
ajfti-2325	142	19	is	be	AUX
ajfti-2325	142	20	the	the	DET
ajfti-2325	142	21	“	"	PUNCT
ajfti-2325	142	22	solow	solow	ADJ
ajfti-2325	142	23	growth	growth	NOUN
ajfti-2325	142	24	model	model	NOUN
ajfti-2325	142	25	,	,	PUNCT
ajfti-2325	142	26	”	"	PUNCT
ajfti-2325	142	27	also	also	ADV
ajfti-2325	142	28	known	know	VERB
ajfti-2325	142	29	as	as	ADP
ajfti-2325	142	30	the	the	DET
ajfti-2325	142	31	neoclassical	neoclassical	ADJ
ajfti-2325	142	32	growth	growth	NOUN
ajfti-2325	142	33	theory	theory	NOUN
ajfti-2325	142	34	.	.	PUNCT
ajfti-2325	143	1	“	"	PUNCT
ajfti-2325	143	2	the	the	DET
ajfti-2325	143	3	solow	solow	PROPN
ajfti-2325	143	4	growth	growth	PROPN
ajfti-2325	143	5	model	model	NOUN
ajfti-2325	143	6	”	"	PUNCT
ajfti-2325	143	7	was	be	AUX
ajfti-2325	143	8	developed	develop	VERB
ajfti-2325	143	9	by	by	ADP
ajfti-2325	143	10	robert	robert	PROPN
ajfti-2325	143	11	solow	solow	PROPN
ajfti-2325	143	12	in	in	ADP
ajfti-2325	143	13	the	the	DET
ajfti-2325	143	14	1950s	1950s	NUM
ajfti-2325	143	15	.	.	PUNCT
ajfti-2325	144	1	the	the	DET
ajfti-2325	144	2	theory	theory	NOUN
ajfti-2325	144	3	distinguishes	distinguish	VERB
ajfti-2325	144	4	between	between	ADP
ajfti-2325	144	5	short	short	ADJ
ajfti-2325	144	6	-	-	PUNCT
ajfti-2325	144	7	term	term	NOUN
ajfti-2325	144	8	fluctuations	fluctuation	NOUN
ajfti-2325	144	9	and	and	CCONJ
ajfti-2325	144	10	longterm	longterm	ADJ
ajfti-2325	144	11	trends	trend	NOUN
ajfti-2325	144	12	in	in	ADP
ajfti-2325	144	13	the	the	DET
ajfti-2325	144	14	growth	growth	NOUN
ajfti-2325	144	15	process	process	NOUN
ajfti-2325	144	16	of	of	ADP
ajfti-2325	144	17	an	an	DET
ajfti-2325	144	18	economy	economy	NOUN
ajfti-2325	144	19	.	.	PUNCT
ajfti-2325	145	1	at	at	ADP
ajfti-2325	145	2	its	its	PRON
ajfti-2325	145	3	core	core	NOUN
ajfti-2325	145	4	,	,	PUNCT
ajfti-2325	145	5	the	the	DET
ajfti-2325	145	6	model	model	NOUN
ajfti-2325	145	7	revolves	revolve	VERB
ajfti-2325	145	8	around	around	ADP
ajfti-2325	145	9	three	three	NUM
ajfti-2325	145	10	primary	primary	ADJ
ajfti-2325	145	11	inputs	input	NOUN
ajfti-2325	145	12	:	:	PUNCT
ajfti-2325	145	13	labor	labor	NOUN
ajfti-2325	145	14	,	,	PUNCT
ajfti-2325	145	15	capital	capital	NOUN
ajfti-2325	145	16	,	,	PUNCT
ajfti-2325	145	17	and	and	CCONJ
ajfti-2325	145	18	technology	technology	NOUN
ajfti-2325	145	19	.	.	PUNCT
ajfti-2325	146	1	solow	solow	PROPN
ajfti-2325	146	2	postulated	postulate	VERB
ajfti-2325	146	3	that	that	SCONJ
ajfti-2325	146	4	in	in	ADP
ajfti-2325	146	5	the	the	DET
ajfti-2325	146	6	early	early	ADJ
ajfti-2325	146	7	stages	stage	NOUN
ajfti-2325	146	8	,	,	PUNCT
ajfti-2325	146	9	an	an	DET
ajfti-2325	146	10	economy	economy	NOUN
ajfti-2325	146	11	can	can	AUX
ajfti-2325	146	12	grow	grow	VERB
ajfti-2325	146	13	by	by	ADP
ajfti-2325	146	14	increasing	increase	VERB
ajfti-2325	146	15	labor	labor	NOUN
ajfti-2325	146	16	or	or	CCONJ
ajfti-2325	146	17	capital	capital	NOUN
ajfti-2325	146	18	;	;	PUNCT
ajfti-2325	146	19	however	however	ADV
ajfti-2325	146	20	,	,	PUNCT
ajfti-2325	146	21	over	over	ADP
ajfti-2325	146	22	time	time	NOUN
ajfti-2325	146	23	,	,	PUNCT
ajfti-2325	146	24	there	there	PRON
ajfti-2325	146	25	are	be	VERB
ajfti-2325	146	26	diminishing	diminish	VERB
ajfti-2325	146	27	returns	return	NOUN
ajfti-2325	146	28	to	to	ADP
ajfti-2325	146	29	these	these	DET
ajfti-2325	146	30	inputs	input	NOUN
ajfti-2325	146	31	.	.	PUNCT
ajfti-2325	147	1	as	as	ADP
ajfti-2325	147	2	a	a	DET
ajfti-2325	147	3	result	result	NOUN
ajfti-2325	147	4	,	,	PUNCT
ajfti-2325	147	5	sustained	sustain	VERB
ajfti-2325	147	6	long	long	ADJ
ajfti-2325	147	7	-	-	PUNCT
ajfti-2325	147	8	term	term	NOUN
ajfti-2325	147	9	growth	growth	NOUN
ajfti-2325	147	10	can	can	AUX
ajfti-2325	147	11	only	only	ADV
ajfti-2325	147	12	come	come	VERB
ajfti-2325	147	13	from	from	ADP
ajfti-2325	147	14	technological	technological	ADJ
ajfti-2325	147	15	progress	progress	NOUN
ajfti-2325	147	16	or	or	CCONJ
ajfti-2325	147	17	improvements	improvement	NOUN
ajfti-2325	147	18	in	in	ADP
ajfti-2325	147	19	efficiency	efficiency	NOUN
ajfti-2325	147	20	(	(	PUNCT
ajfti-2325	147	21	solow	solow	NOUN
ajfti-2325	147	22	,	,	PUNCT
ajfti-2325	147	23	1956	1956	NUM
ajfti-2325	147	24	)	)	PUNCT
ajfti-2325	147	25	.	.	PUNCT
ajfti-2325	148	1	the	the	DET
ajfti-2325	148	2	strength	strength	NOUN
ajfti-2325	148	3	of	of	ADP
ajfti-2325	148	4	the	the	DET
ajfti-2325	148	5	solow	solow	PROPN
ajfti-2325	148	6	growth	growth	NOUN
ajfti-2325	148	7	model	model	NOUN
ajfti-2325	148	8	lies	lie	VERB
ajfti-2325	148	9	in	in	ADP
ajfti-2325	148	10	its	its	PRON
ajfti-2325	148	11	simplicity	simplicity	NOUN
ajfti-2325	148	12	and	and	CCONJ
ajfti-2325	148	13	general	general	ADJ
ajfti-2325	148	14	applicability	applicability	NOUN
ajfti-2325	148	15	.	.	PUNCT
ajfti-2325	149	1	it	it	PRON
ajfti-2325	149	2	provides	provide	VERB
ajfti-2325	149	3	a	a	DET
ajfti-2325	149	4	foundational	foundational	ADJ
ajfti-2325	149	5	framework	framework	NOUN
ajfti-2325	149	6	for	for	ADP
ajfti-2325	149	7	understanding	understand	VERB
ajfti-2325	149	8	the	the	DET
ajfti-2325	149	9	macrolevel	macrolevel	ADJ
ajfti-2325	149	10	factors	factor	NOUN
ajfti-2325	149	11	that	that	PRON
ajfti-2325	149	12	drive	drive	VERB
ajfti-2325	149	13	economic	economic	ADJ
ajfti-2325	149	14	growth	growth	NOUN
ajfti-2325	149	15	.	.	PUNCT
ajfti-2325	150	1	the	the	DET
ajfti-2325	150	2	model	model	NOUN
ajfti-2325	150	3	has	have	AUX
ajfti-2325	150	4	been	be	AUX
ajfti-2325	150	5	instrumental	instrumental	ADJ
ajfti-2325	150	6	in	in	ADP
ajfti-2325	150	7	highlighting	highlight	VERB
ajfti-2325	150	8	the	the	DET
ajfti-2325	150	9	crucial	crucial	ADJ
ajfti-2325	150	10	role	role	NOUN
ajfti-2325	150	11	of	of	ADP
ajfti-2325	150	12	technological	technological	ADJ
ajfti-2325	150	13	advancement	advancement	NOUN
ajfti-2325	150	14	and	and	CCONJ
ajfti-2325	150	15	innovation	innovation	NOUN
ajfti-2325	150	16	in	in	ADP
ajfti-2325	150	17	ensuring	ensure	VERB
ajfti-2325	150	18	sustainable	sustainable	ADJ
ajfti-2325	150	19	economic	economic	ADJ
ajfti-2325	150	20	growth	growth	NOUN
ajfti-2325	150	21	,	,	PUNCT
ajfti-2325	150	22	a	a	DET
ajfti-2325	150	23	perspective	perspective	NOUN
ajfti-2325	150	24	pa	pa	PROPN
ajfti-2325	150	25	ge	ge	PROPN
ajfti-2325	150	26	39	39	NUM
ajfti-2325	150	27	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	NOUN
ajfti-2325	150	28	am	be	AUX
ajfti-2325	150	29	.	.	PUNCT
ajfti-2325	151	1	j.	j.	PROPN
ajfti-2325	151	2	financ	financ	PROPN
ajfti-2325	151	3	.	.	PUNCT
ajfti-2325	152	1	technol	technol	PROPN
ajfti-2325	152	2	.	.	PUNCT
ajfti-2325	152	3	innov	innov	PROPN
ajfti-2325	152	4	.	.	PUNCT
ajfti-2325	153	1	1(1	1(1	NUM
ajfti-2325	153	2	)	)	PUNCT
ajfti-2325	153	3	35	35	NUM
ajfti-2325	153	4	-	-	SYM
ajfti-2325	153	5	45	45	NUM
ajfti-2325	153	6	,	,	PUNCT
ajfti-2325	153	7	2023	2023	NUM
ajfti-2325	153	8	that	that	PRON
ajfti-2325	153	9	’s	’	VERB
ajfti-2325	153	10	profoundly	profoundly	ADV
ajfti-2325	153	11	relevant	relevant	ADJ
ajfti-2325	153	12	in	in	ADP
ajfti-2325	153	13	today	today	NOUN
ajfti-2325	153	14	’s	’s	PART
ajfti-2325	153	15	tech	tech	NOUN
ajfti-2325	153	16	-	-	PUNCT
ajfti-2325	153	17	driven	drive	VERB
ajfti-2325	153	18	global	global	ADJ
ajfti-2325	153	19	economy	economy	NOUN
ajfti-2325	153	20	.	.	PUNCT
ajfti-2325	154	1	however	however	ADV
ajfti-2325	154	2	,	,	PUNCT
ajfti-2325	154	3	the	the	DET
ajfti-2325	154	4	model	model	NOUN
ajfti-2325	154	5	also	also	ADV
ajfti-2325	154	6	has	have	VERB
ajfti-2325	154	7	its	its	PRON
ajfti-2325	154	8	share	share	NOUN
ajfti-2325	154	9	of	of	ADP
ajfti-2325	154	10	criticisms	criticism	NOUN
ajfti-2325	154	11	.	.	PUNCT
ajfti-2325	155	1	romer	romer	NOUN
ajfti-2325	155	2	(	(	PUNCT
ajfti-2325	155	3	1986	1986	NUM
ajfti-2325	155	4	)	)	PUNCT
ajfti-2325	155	5	and	and	CCONJ
ajfti-2325	155	6	lucas	lucas	PROPN
ajfti-2325	155	7	(	(	PUNCT
ajfti-2325	155	8	1988	1988	NUM
ajfti-2325	155	9	)	)	PUNCT
ajfti-2325	155	10	argued	argue	VERB
ajfti-2325	155	11	that	that	SCONJ
ajfti-2325	155	12	the	the	DET
ajfti-2325	155	13	solow	solow	PROPN
ajfti-2325	155	14	model	model	NOUN
ajfti-2325	155	15	does	do	AUX
ajfti-2325	155	16	n’t	not	PART
ajfti-2325	155	17	adequately	adequately	ADV
ajfti-2325	155	18	address	address	VERB
ajfti-2325	155	19	the	the	DET
ajfti-2325	155	20	role	role	NOUN
ajfti-2325	155	21	of	of	ADP
ajfti-2325	155	22	human	human	ADJ
ajfti-2325	155	23	capital	capital	NOUN
ajfti-2325	155	24	(	(	PUNCT
ajfti-2325	155	25	knowledge	knowledge	NOUN
ajfti-2325	155	26	,	,	PUNCT
ajfti-2325	155	27	skills	skill	NOUN
ajfti-2325	155	28	,	,	PUNCT
ajfti-2325	155	29	and	and	CCONJ
ajfti-2325	155	30	health	health	NOUN
ajfti-2325	155	31	of	of	ADP
ajfti-2325	155	32	the	the	DET
ajfti-2325	155	33	population	population	NOUN
ajfti-2325	155	34	)	)	PUNCT
ajfti-2325	155	35	in	in	ADP
ajfti-2325	155	36	growth	growth	NOUN
ajfti-2325	155	37	.	.	PUNCT
ajfti-2325	156	1	moreover	moreover	ADV
ajfti-2325	156	2	,	,	PUNCT
ajfti-2325	156	3	the	the	DET
ajfti-2325	156	4	model	model	NOUN
ajfti-2325	156	5	’s	’s	PART
ajfti-2325	156	6	assumption	assumption	NOUN
ajfti-2325	156	7	of	of	ADP
ajfti-2325	156	8	constant	constant	ADJ
ajfti-2325	156	9	returns	return	NOUN
ajfti-2325	156	10	to	to	PART
ajfti-2325	156	11	scale	scale	VERB
ajfti-2325	156	12	and	and	CCONJ
ajfti-2325	156	13	its	its	PRON
ajfti-2325	156	14	treatment	treatment	NOUN
ajfti-2325	156	15	of	of	ADP
ajfti-2325	156	16	technology	technology	NOUN
ajfti-2325	156	17	as	as	ADP
ajfti-2325	156	18	an	an	DET
ajfti-2325	156	19	exogenous	exogenous	ADJ
ajfti-2325	156	20	factor	factor	NOUN
ajfti-2325	156	21	have	have	AUX
ajfti-2325	156	22	been	be	AUX
ajfti-2325	156	23	challenged	challenge	VERB
ajfti-2325	156	24	in	in	ADP
ajfti-2325	156	25	endogenous	endogenous	ADJ
ajfti-2325	156	26	growth	growth	NOUN
ajfti-2325	156	27	theories	theory	NOUN
ajfti-2325	156	28	,	,	PUNCT
ajfti-2325	156	29	which	which	PRON
ajfti-2325	156	30	emphasize	emphasize	VERB
ajfti-2325	156	31	the	the	DET
ajfti-2325	156	32	internal	internal	ADJ
ajfti-2325	156	33	factors	factor	NOUN
ajfti-2325	156	34	within	within	ADP
ajfti-2325	156	35	an	an	DET
ajfti-2325	156	36	economy	economy	NOUN
ajfti-2325	156	37	,	,	PUNCT
ajfti-2325	156	38	like	like	ADP
ajfti-2325	156	39	r&d	r&d	NOUN
ajfti-2325	156	40	and	and	CCONJ
ajfti-2325	156	41	education	education	NOUN
ajfti-2325	156	42	,	,	PUNCT
ajfti-2325	156	43	that	that	DET
ajfti-2325	156	44	influence	influence	NOUN
ajfti-2325	156	45	growth	growth	NOUN
ajfti-2325	156	46	.	.	PUNCT
ajfti-2325	157	1	for	for	ADP
ajfti-2325	157	2	nigeria	nigeria	PROPN
ajfti-2325	157	3	,	,	PUNCT
ajfti-2325	157	4	the	the	DET
ajfti-2325	157	5	solow	solow	PROPN
ajfti-2325	157	6	growth	growth	NOUN
ajfti-2325	157	7	model	model	NOUN
ajfti-2325	157	8	offers	offer	VERB
ajfti-2325	157	9	essential	essential	ADJ
ajfti-2325	157	10	insights	insight	NOUN
ajfti-2325	157	11	.	.	PUNCT
ajfti-2325	158	1	the	the	DET
ajfti-2325	158	2	nation	nation	NOUN
ajfti-2325	158	3	’s	’s	PART
ajfti-2325	158	4	rich	rich	ADJ
ajfti-2325	158	5	endowments	endowment	NOUN
ajfti-2325	158	6	in	in	ADP
ajfti-2325	158	7	natural	natural	ADJ
ajfti-2325	158	8	resources	resource	NOUN
ajfti-2325	158	9	,	,	PUNCT
ajfti-2325	158	10	especially	especially	ADV
ajfti-2325	158	11	oil	oil	NOUN
ajfti-2325	158	12	,	,	PUNCT
ajfti-2325	158	13	and	and	CCONJ
ajfti-2325	158	14	its	its	PRON
ajfti-2325	158	15	young	young	ADJ
ajfti-2325	158	16	labor	labor	NOUN
ajfti-2325	158	17	force	force	NOUN
ajfti-2325	158	18	provide	provide	VERB
ajfti-2325	158	19	short	short	ADJ
ajfti-2325	158	20	to	to	ADP
ajfti-2325	158	21	medium	medium	ADJ
ajfti-2325	158	22	-	-	PUNCT
ajfti-2325	158	23	term	term	NOUN
ajfti-2325	158	24	avenues	avenue	NOUN
ajfti-2325	158	25	for	for	ADP
ajfti-2325	158	26	growth	growth	NOUN
ajfti-2325	158	27	.	.	PUNCT
ajfti-2325	159	1	however	however	ADV
ajfti-2325	159	2	,	,	PUNCT
ajfti-2325	159	3	for	for	ADP
ajfti-2325	159	4	sustained	sustained	ADJ
ajfti-2325	159	5	long	long	ADJ
ajfti-2325	159	6	-	-	PUNCT
ajfti-2325	159	7	term	term	NOUN
ajfti-2325	159	8	prosperity	prosperity	NOUN
ajfti-2325	159	9	,	,	PUNCT
ajfti-2325	159	10	nigeria	nigeria	PROPN
ajfti-2325	159	11	’s	’s	PART
ajfti-2325	159	12	focus	focus	VERB
ajfti-2325	159	13	on	on	ADP
ajfti-2325	159	14	leveraging	leverage	VERB
ajfti-2325	159	15	and	and	CCONJ
ajfti-2325	159	16	integrating	integrate	VERB
ajfti-2325	159	17	technology	technology	NOUN
ajfti-2325	159	18	into	into	ADP
ajfti-2325	159	19	its	its	PRON
ajfti-2325	159	20	economic	economic	ADJ
ajfti-2325	159	21	fabric	fabric	NOUN
ajfti-2325	159	22	becomes	become	VERB
ajfti-2325	159	23	imperative	imperative	ADJ
ajfti-2325	159	24	.	.	PUNCT
ajfti-2325	160	1	the	the	DET
ajfti-2325	160	2	advent	advent	NOUN
ajfti-2325	160	3	of	of	ADP
ajfti-2325	160	4	fintech	fintech	NOUN
ajfti-2325	160	5	,	,	PUNCT
ajfti-2325	160	6	as	as	SCONJ
ajfti-2325	160	7	discussed	discuss	VERB
ajfti-2325	160	8	earlier	early	ADV
ajfti-2325	160	9	,	,	PUNCT
ajfti-2325	160	10	is	be	AUX
ajfti-2325	160	11	an	an	DET
ajfti-2325	160	12	example	example	NOUN
ajfti-2325	160	13	of	of	ADP
ajfti-2325	160	14	how	how	SCONJ
ajfti-2325	160	15	technological	technological	ADJ
ajfti-2325	160	16	innovation	innovation	NOUN
ajfti-2325	160	17	can	can	AUX
ajfti-2325	160	18	significantly	significantly	ADV
ajfti-2325	160	19	impact	impact	VERB
ajfti-2325	160	20	economic	economic	ADJ
ajfti-2325	160	21	productivity	productivity	NOUN
ajfti-2325	160	22	and	and	CCONJ
ajfti-2325	160	23	growth	growth	NOUN
ajfti-2325	160	24	.	.	PUNCT
ajfti-2325	161	1	as	as	SCONJ
ajfti-2325	161	2	nigeria	nigeria	PROPN
ajfti-2325	161	3	grapples	grapple	VERB
ajfti-2325	161	4	with	with	ADP
ajfti-2325	161	5	the	the	DET
ajfti-2325	161	6	challenges	challenge	NOUN
ajfti-2325	161	7	of	of	ADP
ajfti-2325	161	8	diversifying	diversify	VERB
ajfti-2325	161	9	its	its	PRON
ajfti-2325	161	10	economy	economy	NOUN
ajfti-2325	161	11	,	,	PUNCT
ajfti-2325	161	12	ensuring	ensure	VERB
ajfti-2325	161	13	stability	stability	NOUN
ajfti-2325	161	14	,	,	PUNCT
ajfti-2325	161	15	and	and	CCONJ
ajfti-2325	161	16	fostering	foster	VERB
ajfti-2325	161	17	inclusive	inclusive	ADJ
ajfti-2325	161	18	growth	growth	NOUN
ajfti-2325	161	19	,	,	PUNCT
ajfti-2325	161	20	theories	theory	NOUN
ajfti-2325	161	21	like	like	ADP
ajfti-2325	161	22	solow	solow	PROPN
ajfti-2325	161	23	’s	’s	PART
ajfti-2325	161	24	underscore	underscore	VERB
ajfti-2325	161	25	the	the	DET
ajfti-2325	161	26	indispensable	indispensable	ADJ
ajfti-2325	161	27	role	role	NOUN
ajfti-2325	161	28	of	of	ADP
ajfti-2325	161	29	technological	technological	ADJ
ajfti-2325	161	30	innovation	innovation	NOUN
ajfti-2325	161	31	and	and	CCONJ
ajfti-2325	161	32	integration	integration	NOUN
ajfti-2325	161	33	.	.	PUNCT
ajfti-2325	162	1	empirical	empirical	ADJ
ajfti-2325	162	2	review	review	NOUN
ajfti-2325	162	3	obinna	obinna	NOUN
ajfti-2325	162	4	and	and	CCONJ
ajfti-2325	162	5	uche	uche	PROPN
ajfti-2325	162	6	in	in	ADP
ajfti-2325	162	7	their	their	PRON
ajfti-2325	162	8	2017	2017	NUM
ajfti-2325	162	9	research	research	NOUN
ajfti-2325	162	10	titled	title	VERB
ajfti-2325	162	11	“	"	PUNCT
ajfti-2325	162	12	digital	digital	ADJ
ajfti-2325	162	13	payments	payment	NOUN
ajfti-2325	162	14	and	and	CCONJ
ajfti-2325	162	15	economic	economic	ADJ
ajfti-2325	162	16	growth	growth	NOUN
ajfti-2325	162	17	in	in	ADP
ajfti-2325	162	18	nigeria	nigeria	PROPN
ajfti-2325	162	19	:	:	PUNCT
ajfti-2325	162	20	risks	risk	NOUN
ajfti-2325	162	21	and	and	CCONJ
ajfti-2325	162	22	rewards	reward	NOUN
ajfti-2325	162	23	,	,	PUNCT
ajfti-2325	162	24	”	"	PUNCT
ajfti-2325	162	25	examined	examine	VERB
ajfti-2325	162	26	the	the	DET
ajfti-2325	162	27	influence	influence	NOUN
ajfti-2325	162	28	of	of	ADP
ajfti-2325	162	29	digital	digital	ADJ
ajfti-2325	162	30	payments	payment	NOUN
ajfti-2325	162	31	on	on	ADP
ajfti-2325	162	32	nigeria	nigeria	PROPN
ajfti-2325	162	33	’s	’s	PART
ajfti-2325	162	34	economic	economic	ADJ
ajfti-2325	162	35	growth	growth	NOUN
ajfti-2325	162	36	.	.	PUNCT
ajfti-2325	163	1	this	this	DET
ajfti-2325	163	2	research	research	NOUN
ajfti-2325	163	3	spanned	span	VERB
ajfti-2325	163	4	the	the	DET
ajfti-2325	163	5	period	period	NOUN
ajfti-2325	163	6	from	from	ADP
ajfti-2325	163	7	2005	2005	NUM
ajfti-2325	163	8	to	to	ADP
ajfti-2325	163	9	2016	2016	NUM
ajfti-2325	163	10	.	.	PUNCT
ajfti-2325	164	1	adopting	adopt	VERB
ajfti-2325	164	2	a	a	DET
ajfti-2325	164	3	quantitative	quantitative	ADJ
ajfti-2325	164	4	analysis	analysis	NOUN
ajfti-2325	164	5	,	,	PUNCT
ajfti-2325	164	6	the	the	DET
ajfti-2325	164	7	dependent	dependent	ADJ
ajfti-2325	164	8	variable	variable	NOUN
ajfti-2325	164	9	was	be	AUX
ajfti-2325	164	10	economic	economic	ADJ
ajfti-2325	164	11	growth	growth	NOUN
ajfti-2325	164	12	,	,	PUNCT
ajfti-2325	164	13	while	while	SCONJ
ajfti-2325	164	14	the	the	DET
ajfti-2325	164	15	independent	independent	ADJ
ajfti-2325	164	16	variable	variable	NOUN
ajfti-2325	164	17	was	be	AUX
ajfti-2325	164	18	the	the	DET
ajfti-2325	164	19	proliferation	proliferation	NOUN
ajfti-2325	164	20	of	of	ADP
ajfti-2325	164	21	digital	digital	ADJ
ajfti-2325	164	22	payments	payment	NOUN
ajfti-2325	164	23	.	.	PUNCT
ajfti-2325	165	1	the	the	DET
ajfti-2325	165	2	study	study	NOUN
ajfti-2325	165	3	’s	’s	PART
ajfti-2325	165	4	outcomes	outcome	NOUN
ajfti-2325	165	5	indicated	indicate	VERB
ajfti-2325	165	6	that	that	SCONJ
ajfti-2325	165	7	digital	digital	ADJ
ajfti-2325	165	8	payments	payment	NOUN
ajfti-2325	165	9	can	can	AUX
ajfti-2325	165	10	indeed	indeed	ADV
ajfti-2325	165	11	spur	spur	VERB
ajfti-2325	165	12	economic	economic	ADJ
ajfti-2325	165	13	activities	activity	NOUN
ajfti-2325	165	14	.	.	PUNCT
ajfti-2325	166	1	however	however	ADV
ajfti-2325	166	2	,	,	PUNCT
ajfti-2325	166	3	the	the	DET
ajfti-2325	166	4	associated	associated	ADJ
ajfti-2325	166	5	risks	risk	NOUN
ajfti-2325	166	6	can	can	AUX
ajfti-2325	166	7	be	be	AUX
ajfti-2325	166	8	counterproductive	counterproductive	ADJ
ajfti-2325	166	9	,	,	PUNCT
ajfti-2325	166	10	especially	especially	ADV
ajfti-2325	166	11	in	in	ADP
ajfti-2325	166	12	nations	nation	NOUN
ajfti-2325	166	13	with	with	ADP
ajfti-2325	166	14	emerging	emerge	VERB
ajfti-2325	166	15	cyber	cyber	NOUN
ajfti-2325	166	16	-	-	PUNCT
ajfti-2325	166	17	infrastructure	infrastructure	NOUN
ajfti-2325	166	18	.	.	PUNCT
ajfti-2325	167	1	this	this	DET
ajfti-2325	167	2	study	study	NOUN
ajfti-2325	167	3	was	be	AUX
ajfti-2325	167	4	appreciated	appreciate	VERB
ajfti-2325	167	5	for	for	ADP
ajfti-2325	167	6	its	its	PRON
ajfti-2325	167	7	relevance	relevance	NOUN
ajfti-2325	167	8	to	to	ADP
ajfti-2325	167	9	the	the	DET
ajfti-2325	167	10	nigerian	nigerian	ADJ
ajfti-2325	167	11	context	context	NOUN
ajfti-2325	167	12	.	.	PUNCT
ajfti-2325	168	1	however	however	ADV
ajfti-2325	168	2	,	,	PUNCT
ajfti-2325	168	3	some	some	DET
ajfti-2325	168	4	critics	critic	NOUN
ajfti-2325	168	5	suggested	suggest	VERB
ajfti-2325	168	6	that	that	SCONJ
ajfti-2325	168	7	it	it	PRON
ajfti-2325	168	8	would	would	AUX
ajfti-2325	168	9	have	have	AUX
ajfti-2325	168	10	been	be	AUX
ajfti-2325	168	11	beneficial	beneficial	ADJ
ajfti-2325	168	12	to	to	PART
ajfti-2325	168	13	explore	explore	VERB
ajfti-2325	168	14	the	the	DET
ajfti-2325	168	15	nature	nature	NOUN
ajfti-2325	168	16	and	and	CCONJ
ajfti-2325	168	17	types	type	NOUN
ajfti-2325	168	18	of	of	ADP
ajfti-2325	168	19	digital	digital	ADJ
ajfti-2325	168	20	payments	payment	NOUN
ajfti-2325	168	21	in	in	ADP
ajfti-2325	168	22	use	use	NOUN
ajfti-2325	168	23	more	more	ADJ
ajfti-2325	168	24	in	in	ADP
ajfti-2325	168	25	-	-	PUNCT
ajfti-2325	168	26	depth	depth	NOUN
ajfti-2325	168	27	and	and	CCONJ
ajfti-2325	168	28	their	their	PRON
ajfti-2325	168	29	differential	differential	ADJ
ajfti-2325	168	30	impacts	impact	NOUN
ajfti-2325	168	31	.	.	PUNCT
ajfti-2325	169	1	folorunso	folorunso	NOUN
ajfti-2325	169	2	and	and	CCONJ
ajfti-2325	169	3	ikpefan	ikpefan	PROPN
ajfti-2325	169	4	(	(	PUNCT
ajfti-2325	169	5	2018	2018	NUM
ajfti-2325	169	6	)	)	PUNCT
ajfti-2325	169	7	present	present	VERB
ajfti-2325	169	8	a	a	DET
ajfti-2325	169	9	broader	broad	ADJ
ajfti-2325	169	10	perspective	perspective	NOUN
ajfti-2325	169	11	in	in	ADP
ajfti-2325	169	12	their	their	PRON
ajfti-2325	169	13	study	study	NOUN
ajfti-2325	169	14	on	on	ADP
ajfti-2325	169	15	the	the	DET
ajfti-2325	169	16	impact	impact	NOUN
ajfti-2325	169	17	of	of	ADP
ajfti-2325	169	18	financial	financial	ADJ
ajfti-2325	169	19	technology	technology	NOUN
ajfti-2325	169	20	on	on	ADP
ajfti-2325	169	21	economic	economic	ADJ
ajfti-2325	169	22	growth	growth	NOUN
ajfti-2325	169	23	.	.	PUNCT
ajfti-2325	170	1	their	their	PRON
ajfti-2325	170	2	research	research	NOUN
ajfti-2325	170	3	is	be	AUX
ajfti-2325	170	4	n’t	not	PART
ajfti-2325	170	5	solely	solely	ADV
ajfti-2325	170	6	anchored	anchor	VERB
ajfti-2325	170	7	to	to	ADP
ajfti-2325	170	8	nigeria	nigeria	PROPN
ajfti-2325	170	9	but	but	CCONJ
ajfti-2325	170	10	spans	span	VERB
ajfti-2325	170	11	several	several	ADJ
ajfti-2325	170	12	african	african	ADJ
ajfti-2325	170	13	nations	nation	NOUN
ajfti-2325	170	14	.	.	PUNCT
ajfti-2325	171	1	although	although	SCONJ
ajfti-2325	171	2	centered	center	VERB
ajfti-2325	171	3	around	around	ADP
ajfti-2325	171	4	events	event	NOUN
ajfti-2325	171	5	and	and	CCONJ
ajfti-2325	171	6	data	datum	NOUN
ajfti-2325	171	7	from	from	ADP
ajfti-2325	171	8	2005	2005	NUM
ajfti-2325	171	9	leading	lead	VERB
ajfti-2325	171	10	up	up	ADP
ajfti-2325	171	11	to	to	ADP
ajfti-2325	171	12	2018	2018	NUM
ajfti-2325	171	13	.	.	PUNCT
ajfti-2325	172	1	folorunso	folorunso	NOUN
ajfti-2325	172	2	and	and	CCONJ
ajfti-2325	172	3	ikpefan	ikpefan	PROPN
ajfti-2325	172	4	’s	’s	PART
ajfti-2325	172	5	methodological	methodological	ADJ
ajfti-2325	172	6	approach	approach	NOUN
ajfti-2325	172	7	is	be	AUX
ajfti-2325	172	8	both	both	CCONJ
ajfti-2325	172	9	diversified	diversified	ADJ
ajfti-2325	172	10	and	and	CCONJ
ajfti-2325	172	11	robust	robust	ADJ
ajfti-2325	172	12	.	.	PUNCT
ajfti-2325	173	1	they	they	PRON
ajfti-2325	173	2	combined	combine	VERB
ajfti-2325	173	3	econometric	econometric	ADJ
ajfti-2325	173	4	modeling	modeling	NOUN
ajfti-2325	173	5	with	with	ADP
ajfti-2325	173	6	qualitative	qualitative	ADJ
ajfti-2325	173	7	evaluations	evaluation	NOUN
ajfti-2325	173	8	to	to	PART
ajfti-2325	173	9	uncover	uncover	VERB
ajfti-2325	173	10	the	the	PRON
ajfti-2325	173	11	of	of	ADP
ajfti-2325	173	12	the	the	DET
ajfti-2325	173	13	relationship	relationship	NOUN
ajfti-2325	173	14	between	between	ADP
ajfti-2325	173	15	fintech	fintech	NOUN
ajfti-2325	173	16	and	and	CCONJ
ajfti-2325	173	17	economic	economic	ADJ
ajfti-2325	173	18	growth	growth	NOUN
ajfti-2325	173	19	.	.	PUNCT
ajfti-2325	174	1	their	their	PRON
ajfti-2325	174	2	choice	choice	NOUN
ajfti-2325	174	3	of	of	ADP
ajfti-2325	174	4	dependent	dependent	ADJ
ajfti-2325	174	5	variable	variable	NOUN
ajfti-2325	174	6	was	be	AUX
ajfti-2325	174	7	economic	economic	ADJ
ajfti-2325	174	8	growth	growth	NOUN
ajfti-2325	174	9	,	,	PUNCT
ajfti-2325	174	10	which	which	PRON
ajfti-2325	174	11	they	they	PRON
ajfti-2325	174	12	assessed	assess	VERB
ajfti-2325	174	13	using	use	VERB
ajfti-2325	174	14	gdp	gdp	NOUN
ajfti-2325	174	15	growth	growth	NOUN
ajfti-2325	174	16	rates	rate	NOUN
ajfti-2325	174	17	amongst	amongst	ADP
ajfti-2325	174	18	other	other	ADJ
ajfti-2325	174	19	macroeconomic	macroeconomic	ADJ
ajfti-2325	174	20	indicators	indicator	NOUN
ajfti-2325	174	21	.	.	PUNCT
ajfti-2325	175	1	in	in	ADP
ajfti-2325	175	2	contrast	contrast	NOUN
ajfti-2325	175	3	,	,	PUNCT
ajfti-2325	175	4	the	the	DET
ajfti-2325	175	5	independent	independent	ADJ
ajfti-2325	175	6	variable	variable	NOUN
ajfti-2325	175	7	under	under	ADP
ajfti-2325	175	8	scrutiny	scrutiny	NOUN
ajfti-2325	175	9	was	be	AUX
ajfti-2325	175	10	financial	financial	ADJ
ajfti-2325	175	11	technology	technology	NOUN
ajfti-2325	175	12	.	.	PUNCT
ajfti-2325	176	1	they	they	PRON
ajfti-2325	176	2	particularly	particularly	ADV
ajfti-2325	176	3	emphasized	emphasize	VERB
ajfti-2325	176	4	the	the	DET
ajfti-2325	176	5	adoption	adoption	NOUN
ajfti-2325	176	6	and	and	CCONJ
ajfti-2325	176	7	utilization	utilization	NOUN
ajfti-2325	176	8	rates	rate	NOUN
ajfti-2325	176	9	of	of	ADP
ajfti-2325	176	10	instant	instant	ADJ
ajfti-2325	176	11	financial	financial	ADJ
ajfti-2325	176	12	transaction	transaction	NOUN
ajfti-2325	176	13	platforms	platform	NOUN
ajfti-2325	176	14	across	across	ADP
ajfti-2325	176	15	the	the	DET
ajfti-2325	176	16	countries	country	NOUN
ajfti-2325	176	17	in	in	ADP
ajfti-2325	176	18	their	their	PRON
ajfti-2325	176	19	study	study	NOUN
ajfti-2325	176	20	.	.	PUNCT
ajfti-2325	177	1	their	their	PRON
ajfti-2325	177	2	conclusions	conclusion	NOUN
ajfti-2325	177	3	differ	differ	VERB
ajfti-2325	177	4	notably	notably	ADV
ajfti-2325	177	5	from	from	ADP
ajfti-2325	177	6	akinwale	akinwale	NOUN
ajfti-2325	177	7	and	and	CCONJ
ajfti-2325	177	8	tijani	tijani	PROPN
ajfti-2325	177	9	’s	’s	PART
ajfti-2325	177	10	study	study	NOUN
ajfti-2325	177	11	.	.	PUNCT
ajfti-2325	178	1	folorunso	folorunso	NOUN
ajfti-2325	178	2	and	and	CCONJ
ajfti-2325	178	3	ikpefan	ikpefan	PROPN
ajfti-2325	178	4	observed	observe	VERB
ajfti-2325	178	5	that	that	SCONJ
ajfti-2325	178	6	there	there	PRON
ajfti-2325	178	7	’s	’	VERB
ajfti-2325	178	8	a	a	DET
ajfti-2325	178	9	direct	direct	ADJ
ajfti-2325	178	10	and	and	CCONJ
ajfti-2325	178	11	positive	positive	ADJ
ajfti-2325	178	12	correlation	correlation	NOUN
ajfti-2325	178	13	between	between	ADP
ajfti-2325	178	14	the	the	DET
ajfti-2325	178	15	rapidity	rapidity	NOUN
ajfti-2325	178	16	of	of	ADP
ajfti-2325	178	17	financial	financial	ADJ
ajfti-2325	178	18	transactions	transaction	NOUN
ajfti-2325	178	19	enabled	enable	VERB
ajfti-2325	178	20	by	by	ADP
ajfti-2325	178	21	fintech	fintech	NOUN
ajfti-2325	178	22	and	and	CCONJ
ajfti-2325	178	23	economic	economic	ADJ
ajfti-2325	178	24	growth	growth	NOUN
ajfti-2325	178	25	.	.	PUNCT
ajfti-2325	179	1	they	they	PRON
ajfti-2325	179	2	posited	posit	VERB
ajfti-2325	179	3	that	that	SCONJ
ajfti-2325	179	4	such	such	ADJ
ajfti-2325	179	5	immediate	immediate	ADJ
ajfti-2325	179	6	transaction	transaction	NOUN
ajfti-2325	179	7	capabilities	capability	NOUN
ajfti-2325	179	8	can	can	AUX
ajfti-2325	179	9	speed	speed	VERB
ajfti-2325	179	10	up	up	ADP
ajfti-2325	179	11	business	business	NOUN
ajfti-2325	179	12	processes	process	NOUN
ajfti-2325	179	13	,	,	PUNCT
ajfti-2325	179	14	acting	act	VERB
ajfti-2325	179	15	as	as	ADP
ajfti-2325	179	16	a	a	DET
ajfti-2325	179	17	catalyst	catalyst	NOUN
ajfti-2325	179	18	for	for	ADP
ajfti-2325	179	19	economic	economic	ADJ
ajfti-2325	179	20	activity	activity	NOUN
ajfti-2325	179	21	.	.	PUNCT
ajfti-2325	180	1	however	however	ADV
ajfti-2325	180	2	,	,	PUNCT
ajfti-2325	180	3	a	a	DET
ajfti-2325	180	4	potential	potential	ADJ
ajfti-2325	180	5	critique	critique	NOUN
ajfti-2325	180	6	of	of	ADP
ajfti-2325	180	7	their	their	PRON
ajfti-2325	180	8	work	work	NOUN
ajfti-2325	180	9	is	be	AUX
ajfti-2325	180	10	the	the	DET
ajfti-2325	180	11	broad	broad	ADJ
ajfti-2325	180	12	generalizations	generalization	NOUN
ajfti-2325	180	13	made	make	VERB
ajfti-2325	180	14	across	across	ADP
ajfti-2325	180	15	different	different	ADJ
ajfti-2325	180	16	african	african	ADJ
ajfti-2325	180	17	countries	country	NOUN
ajfti-2325	180	18	.	.	PUNCT
ajfti-2325	181	1	each	each	PRON
ajfti-2325	181	2	of	of	ADP
ajfti-2325	181	3	these	these	DET
ajfti-2325	181	4	nations	nation	NOUN
ajfti-2325	181	5	has	have	VERB
ajfti-2325	181	6	its	its	PRON
ajfti-2325	181	7	unique	unique	ADJ
ajfti-2325	181	8	economic	economic	ADJ
ajfti-2325	181	9	,	,	PUNCT
ajfti-2325	181	10	cultural	cultural	ADJ
ajfti-2325	181	11	,	,	PUNCT
ajfti-2325	181	12	and	and	CCONJ
ajfti-2325	181	13	regulatory	regulatory	ADJ
ajfti-2325	181	14	backdrop	backdrop	NOUN
ajfti-2325	181	15	,	,	PUNCT
ajfti-2325	181	16	which	which	PRON
ajfti-2325	181	17	might	might	AUX
ajfti-2325	181	18	necessitate	necessitate	VERB
ajfti-2325	181	19	a	a	DET
ajfti-2325	181	20	more	more	ADV
ajfti-2325	181	21	bespoke	bespoke	NOUN
ajfti-2325	181	22	approach	approach	NOUN
ajfti-2325	181	23	to	to	ADP
ajfti-2325	181	24	research	research	NOUN
ajfti-2325	181	25	.	.	PUNCT
ajfti-2325	182	1	mutua	mutua	PROPN
ajfti-2325	182	2	and	and	CCONJ
ajfti-2325	182	3	ouma	ouma	PROPN
ajfti-2325	182	4	(	(	PUNCT
ajfti-2325	182	5	2017	2017	NUM
ajfti-2325	182	6	)	)	PUNCT
ajfti-2325	182	7	in	in	ADP
ajfti-2325	182	8	their	their	PRON
ajfti-2325	182	9	seminal	seminal	ADJ
ajfti-2325	182	10	work	work	NOUN
ajfti-2325	182	11	titled	title	VERB
ajfti-2325	182	12	“	"	PUNCT
ajfti-2325	182	13	the	the	DET
ajfti-2325	182	14	impact	impact	NOUN
ajfti-2325	182	15	of	of	ADP
ajfti-2325	182	16	mobile	mobile	ADJ
ajfti-2325	182	17	banking	banking	NOUN
ajfti-2325	182	18	on	on	ADP
ajfti-2325	182	19	financial	financial	ADJ
ajfti-2325	182	20	inclusivity	inclusivity	NOUN
ajfti-2325	182	21	in	in	ADP
ajfti-2325	182	22	kenya	kenya	NOUN
ajfti-2325	182	23	,	,	PUNCT
ajfti-2325	182	24	”	"	PUNCT
ajfti-2325	182	25	mutua	mutua	PROPN
ajfti-2325	182	26	and	and	CCONJ
ajfti-2325	182	27	ouma	ouma	PROPN
ajfti-2325	182	28	explored	explore	VERB
ajfti-2325	182	29	the	the	DET
ajfti-2325	182	30	domain	domain	NOUN
ajfti-2325	182	31	of	of	ADP
ajfti-2325	182	32	financial	financial	ADJ
ajfti-2325	182	33	technology	technology	NOUN
ajfti-2325	182	34	,	,	PUNCT
ajfti-2325	182	35	specifically	specifically	ADV
ajfti-2325	182	36	focusing	focus	VERB
ajfti-2325	182	37	on	on	ADP
ajfti-2325	182	38	mobile	mobile	ADJ
ajfti-2325	182	39	banking	banking	NOUN
ajfti-2325	182	40	’s	’s	PART
ajfti-2325	182	41	role	role	NOUN
ajfti-2325	182	42	in	in	ADP
ajfti-2325	182	43	fostering	foster	VERB
ajfti-2325	182	44	financial	financial	ADJ
ajfti-2325	182	45	inclusivity	inclusivity	NOUN
ajfti-2325	182	46	.	.	PUNCT
ajfti-2325	183	1	their	their	PRON
ajfti-2325	183	2	study	study	NOUN
ajfti-2325	183	3	covered	cover	VERB
ajfti-2325	183	4	the	the	DET
ajfti-2325	183	5	period	period	NOUN
ajfti-2325	183	6	between	between	ADP
ajfti-2325	183	7	2010	2010	NUM
ajfti-2325	183	8	and	and	CCONJ
ajfti-2325	183	9	2016	2016	NUM
ajfti-2325	183	10	,	,	PUNCT
ajfti-2325	183	11	reflecting	reflect	VERB
ajfti-2325	183	12	a	a	DET
ajfti-2325	183	13	significant	significant	ADJ
ajfti-2325	183	14	phase	phase	NOUN
ajfti-2325	183	15	during	during	ADP
ajfti-2325	183	16	which	which	PRON
ajfti-2325	183	17	kenya	kenya	PROPN
ajfti-2325	183	18	witnessed	witness	VERB
ajfti-2325	183	19	a	a	DET
ajfti-2325	183	20	surge	surge	NOUN
ajfti-2325	183	21	in	in	ADP
ajfti-2325	183	22	mobile	mobile	ADJ
ajfti-2325	183	23	banking	banking	NOUN
ajfti-2325	183	24	users	user	NOUN
ajfti-2325	183	25	.	.	PUNCT
ajfti-2325	184	1	utilizing	utilize	VERB
ajfti-2325	184	2	regression	regression	NOUN
ajfti-2325	184	3	analysis	analysis	NOUN
ajfti-2325	184	4	,	,	PUNCT
ajfti-2325	184	5	the	the	DET
ajfti-2325	184	6	researchers	researcher	NOUN
ajfti-2325	184	7	treated	treat	VERB
ajfti-2325	184	8	mobile	mobile	ADJ
ajfti-2325	184	9	banking	banking	NOUN
ajfti-2325	184	10	adoption	adoption	NOUN
ajfti-2325	184	11	(	(	PUNCT
ajfti-2325	184	12	measured	measure	VERB
ajfti-2325	184	13	by	by	ADP
ajfti-2325	184	14	the	the	DET
ajfti-2325	184	15	number	number	NOUN
ajfti-2325	184	16	of	of	ADP
ajfti-2325	184	17	users	user	NOUN
ajfti-2325	184	18	and	and	CCONJ
ajfti-2325	184	19	volume	volume	NOUN
ajfti-2325	184	20	of	of	ADP
ajfti-2325	184	21	transactions	transaction	NOUN
ajfti-2325	184	22	)	)	PUNCT
ajfti-2325	184	23	as	as	ADP
ajfti-2325	184	24	the	the	DET
ajfti-2325	184	25	independent	independent	ADJ
ajfti-2325	184	26	variable	variable	NOUN
ajfti-2325	184	27	,	,	PUNCT
ajfti-2325	184	28	while	while	SCONJ
ajfti-2325	184	29	financial	financial	ADJ
ajfti-2325	184	30	inclusivity	inclusivity	NOUN
ajfti-2325	184	31	(	(	PUNCT
ajfti-2325	184	32	gauged	gauge	VERB
ajfti-2325	184	33	by	by	ADP
ajfti-2325	184	34	the	the	DET
ajfti-2325	184	35	percentage	percentage	NOUN
ajfti-2325	184	36	of	of	ADP
ajfti-2325	184	37	the	the	DET
ajfti-2325	184	38	banked	banked	ADJ
ajfti-2325	184	39	population	population	NOUN
ajfti-2325	184	40	)	)	PUNCT
ajfti-2325	184	41	stood	stand	VERB
ajfti-2325	184	42	as	as	ADP
ajfti-2325	184	43	the	the	DET
ajfti-2325	184	44	dependent	dependent	ADJ
ajfti-2325	184	45	variable	variable	NOUN
ajfti-2325	184	46	.	.	PUNCT
ajfti-2325	185	1	their	their	PRON
ajfti-2325	185	2	findings	finding	NOUN
ajfti-2325	185	3	revealed	reveal	VERB
ajfti-2325	185	4	a	a	DET
ajfti-2325	185	5	positive	positive	ADJ
ajfti-2325	185	6	correlation	correlation	NOUN
ajfti-2325	185	7	between	between	ADP
ajfti-2325	185	8	mobile	mobile	ADJ
ajfti-2325	185	9	banking	banking	NOUN
ajfti-2325	185	10	adoption	adoption	NOUN
ajfti-2325	185	11	and	and	CCONJ
ajfti-2325	185	12	financial	financial	ADJ
ajfti-2325	185	13	inclusivity	inclusivity	NOUN
ajfti-2325	185	14	,	,	PUNCT
ajfti-2325	185	15	suggesting	suggest	VERB
ajfti-2325	185	16	that	that	SCONJ
ajfti-2325	185	17	mobile	mobile	ADJ
ajfti-2325	185	18	platforms	platform	NOUN
ajfti-2325	185	19	were	be	AUX
ajfti-2325	185	20	instrumental	instrumental	ADJ
ajfti-2325	185	21	in	in	ADP
ajfti-2325	185	22	integrating	integrate	VERB
ajfti-2325	185	23	a	a	DET
ajfti-2325	185	24	larger	large	ADJ
ajfti-2325	185	25	section	section	NOUN
ajfti-2325	185	26	of	of	ADP
ajfti-2325	185	27	the	the	DET
ajfti-2325	185	28	kenyan	kenyan	ADJ
ajfti-2325	185	29	population	population	NOUN
ajfti-2325	185	30	into	into	ADP
ajfti-2325	185	31	the	the	DET
ajfti-2325	185	32	formal	formal	ADJ
ajfti-2325	185	33	financial	financial	ADJ
ajfti-2325	185	34	system	system	NOUN
ajfti-2325	185	35	.	.	PUNCT
ajfti-2325	186	1	however	however	ADV
ajfti-2325	186	2	,	,	PUNCT
ajfti-2325	186	3	critics	critic	NOUN
ajfti-2325	186	4	of	of	ADP
ajfti-2325	186	5	their	their	PRON
ajfti-2325	186	6	study	study	NOUN
ajfti-2325	186	7	argue	argue	VERB
ajfti-2325	186	8	that	that	SCONJ
ajfti-2325	186	9	while	while	SCONJ
ajfti-2325	186	10	the	the	DET
ajfti-2325	186	11	correlation	correlation	NOUN
ajfti-2325	186	12	is	be	AUX
ajfti-2325	186	13	evident	evident	ADJ
ajfti-2325	186	14	,	,	PUNCT
ajfti-2325	186	15	causation	causation	NOUN
ajfti-2325	186	16	is	be	AUX
ajfti-2325	186	17	n’t	not	PART
ajfti-2325	186	18	conclusively	conclusively	ADV
ajfti-2325	186	19	proven	prove	VERB
ajfti-2325	186	20	.	.	PUNCT
ajfti-2325	187	1	some	some	PRON
ajfti-2325	187	2	believe	believe	VERB
ajfti-2325	187	3	that	that	SCONJ
ajfti-2325	187	4	external	external	ADJ
ajfti-2325	187	5	factors	factor	NOUN
ajfti-2325	187	6	,	,	PUNCT
ajfti-2325	187	7	such	such	ADJ
ajfti-2325	187	8	as	as	ADP
ajfti-2325	187	9	government	government	NOUN
ajfti-2325	187	10	policies	policy	NOUN
ajfti-2325	187	11	or	or	CCONJ
ajfti-2325	187	12	global	global	ADJ
ajfti-2325	187	13	tech	tech	NOUN
ajfti-2325	187	14	trends	trend	NOUN
ajfti-2325	187	15	,	,	PUNCT
ajfti-2325	187	16	could	could	AUX
ajfti-2325	187	17	have	have	AUX
ajfti-2325	187	18	played	play	VERB
ajfti-2325	187	19	a	a	DET
ajfti-2325	187	20	more	more	ADV
ajfti-2325	187	21	significant	significant	ADJ
ajfti-2325	187	22	role	role	NOUN
ajfti-2325	187	23	than	than	ADP
ajfti-2325	187	24	what	what	PRON
ajfti-2325	187	25	was	be	AUX
ajfti-2325	187	26	credited	credit	VERB
ajfti-2325	187	27	to	to	ADP
ajfti-2325	187	28	mobile	mobile	ADJ
ajfti-2325	187	29	banking	banking	NOUN
ajfti-2325	187	30	alone	alone	ADV
ajfti-2325	187	31	.	.	PUNCT
ajfti-2325	188	1	patil	patil	PROPN
ajfti-2325	188	2	and	and	CCONJ
ajfti-2325	188	3	kumar	kumar	PROPN
ajfti-2325	188	4	’s	’s	PART
ajfti-2325	188	5	research	research	NOUN
ajfti-2325	188	6	,	,	PUNCT
ajfti-2325	188	7	titled	title	VERB
ajfti-2325	188	8	‘	'	PUNCT
ajfti-2325	188	9	e	e	NOUN
ajfti-2325	188	10	-	-	NOUN
ajfti-2325	188	11	commerce	commerce	NOUN
ajfti-2325	188	12	and	and	CCONJ
ajfti-2325	188	13	india	india	PROPN
ajfti-2325	188	14	’s	’s	PART
ajfti-2325	188	15	economic	economic	ADJ
ajfti-2325	188	16	growth	growth	NOUN
ajfti-2325	188	17	:	:	PUNCT
ajfti-2325	188	18	an	an	DET
ajfti-2325	188	19	analytical	analytical	ADJ
ajfti-2325	188	20	exploration	exploration	NOUN
ajfti-2325	188	21	,	,	PUNCT
ajfti-2325	188	22	’	'	PUNCT
ajfti-2325	188	23	focused	focus	VERB
ajfti-2325	188	24	on	on	ADP
ajfti-2325	188	25	‘	'	PUNCT
ajfti-2325	188	26	digital	digital	ADJ
ajfti-2325	188	27	transactions	transaction	NOUN
ajfti-2325	188	28	and	and	CCONJ
ajfti-2325	188	29	its	its	PRON
ajfti-2325	188	30	impact	impact	NOUN
ajfti-2325	188	31	on	on	ADP
ajfti-2325	188	32	a	a	DET
ajfti-2325	188	33	country	country	NOUN
ajfti-2325	188	34	’s	’s	PART
ajfti-2325	188	35	economy	economy	NOUN
ajfti-2325	188	36	.	.	PUNCT
ajfti-2325	188	37	’	'	PUNCT
ajfti-2325	189	1	from	from	ADP
ajfti-2325	189	2	2012	2012	NUM
ajfti-2325	189	3	to	to	ADP
ajfti-2325	189	4	2017	2017	NUM
ajfti-2325	189	5	,	,	PUNCT
ajfti-2325	189	6	their	their	PRON
ajfti-2325	189	7	study	study	NOUN
ajfti-2325	189	8	aimed	aim	VERB
ajfti-2325	189	9	to	to	PART
ajfti-2325	189	10	ascertain	ascertain	VERB
ajfti-2325	189	11	the	the	DET
ajfti-2325	189	12	role	role	NOUN
ajfti-2325	189	13	of	of	ADP
ajfti-2325	189	14	burgeoning	burgeon	VERB
ajfti-2325	189	15	e	e	NOUN
ajfti-2325	189	16	-	-	NOUN
ajfti-2325	189	17	commerce	commerce	NOUN
ajfti-2325	189	18	platforms	platform	NOUN
ajfti-2325	189	19	in	in	ADP
ajfti-2325	189	20	influencing	influence	VERB
ajfti-2325	189	21	india	india	PROPN
ajfti-2325	189	22	’s	’s	PART
ajfti-2325	189	23	gdp	gdp	NOUN
ajfti-2325	189	24	growth	growth	NOUN
ajfti-2325	189	25	.	.	PUNCT
ajfti-2325	190	1	adopting	adopt	VERB
ajfti-2325	190	2	a	a	DET
ajfti-2325	190	3	mixed	mix	VERB
ajfti-2325	190	4	-	-	PUNCT
ajfti-2325	190	5	method	method	NOUN
ajfti-2325	190	6	approach	approach	NOUN
ajfti-2325	190	7	that	that	SCONJ
ajfti-2325	190	8	combined	combine	VERB
ajfti-2325	190	9	qualitative	qualitative	NOUN
ajfti-2325	190	10	and	and	CCONJ
ajfti-2325	190	11	quantitative	quantitative	ADJ
ajfti-2325	190	12	data	datum	NOUN
ajfti-2325	190	13	,	,	PUNCT
ajfti-2325	190	14	they	they	PRON
ajfti-2325	190	15	considered	consider	VERB
ajfti-2325	190	16	e	e	NOUN
ajfti-2325	190	17	-	-	NOUN
ajfti-2325	190	18	commerce	commerce	NOUN
ajfti-2325	190	19	adoption	adoption	NOUN
ajfti-2325	190	20	rates	rate	NOUN
ajfti-2325	190	21	and	and	CCONJ
ajfti-2325	190	22	digital	digital	ADJ
ajfti-2325	190	23	transaction	transaction	NOUN
ajfti-2325	190	24	volumes	volume	NOUN
ajfti-2325	190	25	as	as	ADP
ajfti-2325	190	26	independent	independent	ADJ
ajfti-2325	190	27	variables	variable	NOUN
ajfti-2325	190	28	,	,	PUNCT
ajfti-2325	190	29	with	with	ADP
ajfti-2325	190	30	the	the	DET
ajfti-2325	190	31	gdp	gdp	NOUN
ajfti-2325	190	32	growth	growth	NOUN
ajfti-2325	190	33	rate	rate	NOUN
ajfti-2325	190	34	as	as	ADP
ajfti-2325	190	35	the	the	DET
ajfti-2325	190	36	dependent	dependent	ADJ
ajfti-2325	190	37	variable	variable	NOUN
ajfti-2325	190	38	.	.	PUNCT
ajfti-2325	191	1	their	their	PRON
ajfti-2325	191	2	research	research	NOUN
ajfti-2325	191	3	revealed	reveal	VERB
ajfti-2325	191	4	that	that	SCONJ
ajfti-2325	191	5	the	the	DET
ajfti-2325	191	6	proliferation	proliferation	NOUN
ajfti-2325	191	7	of	of	ADP
ajfti-2325	191	8	e	e	NOUN
ajfti-2325	191	9	-	-	NOUN
ajfti-2325	191	10	commerce	commerce	NOUN
ajfti-2325	191	11	platforms	platform	NOUN
ajfti-2325	191	12	,	,	PUNCT
ajfti-2325	191	13	supported	support	VERB
ajfti-2325	191	14	by	by	ADP
ajfti-2325	191	15	governmental	governmental	ADJ
ajfti-2325	191	16	policies	policy	NOUN
ajfti-2325	191	17	,	,	PUNCT
ajfti-2325	191	18	significantly	significantly	ADV
ajfti-2325	191	19	correlated	correlate	VERB
ajfti-2325	191	20	with	with	ADP
ajfti-2325	191	21	india	india	PROPN
ajfti-2325	191	22	’s	’s	PART
ajfti-2325	191	23	economic	economic	ADJ
ajfti-2325	191	24	uptick	uptick	NOUN
ajfti-2325	191	25	during	during	ADP
ajfti-2325	191	26	the	the	DET
ajfti-2325	191	27	period	period	NOUN
ajfti-2325	191	28	.	.	PUNCT
ajfti-2325	192	1	however	however	ADV
ajfti-2325	192	2	,	,	PUNCT
ajfti-2325	192	3	this	this	DET
ajfti-2325	192	4	study	study	NOUN
ajfti-2325	192	5	is	be	AUX
ajfti-2325	192	6	not	not	PART
ajfti-2325	192	7	without	without	ADP
ajfti-2325	192	8	its	its	PRON
ajfti-2325	192	9	detractors	detractor	NOUN
ajfti-2325	192	10	.	.	PUNCT
ajfti-2325	193	1	critics	critic	NOUN
ajfti-2325	193	2	have	have	AUX
ajfti-2325	193	3	pointed	point	VERB
ajfti-2325	193	4	out	out	ADP
ajfti-2325	193	5	that	that	SCONJ
ajfti-2325	193	6	the	the	DET
ajfti-2325	193	7	research	research	NOUN
ajfti-2325	193	8	sometimes	sometimes	ADV
ajfti-2325	193	9	oversimplified	oversimplify	VERB
ajfti-2325	193	10	the	the	DET
ajfti-2325	193	11	complex	complex	ADJ
ajfti-2325	193	12	interplay	interplay	NOUN
ajfti-2325	193	13	of	of	ADP
ajfti-2325	193	14	various	various	ADJ
ajfti-2325	193	15	economic	economic	ADJ
ajfti-2325	193	16	factors	factor	NOUN
ajfti-2325	193	17	.	.	PUNCT
ajfti-2325	194	1	they	they	PRON
ajfti-2325	194	2	argued	argue	VERB
ajfti-2325	194	3	that	that	SCONJ
ajfti-2325	194	4	it	it	PRON
ajfti-2325	194	5	attributed	attribute	VERB
ajfti-2325	194	6	disproportionate	disproportionate	ADJ
ajfti-2325	194	7	credit	credit	NOUN
ajfti-2325	194	8	to	to	ADP
ajfti-2325	194	9	e	e	NOUN
ajfti-2325	194	10	-	-	NOUN
ajfti-2325	194	11	commerce	commerce	NOUN
ajfti-2325	194	12	,	,	PUNCT
ajfti-2325	194	13	potentially	potentially	ADV
ajfti-2325	194	14	downplaying	downplay	VERB
ajfti-2325	194	15	other	other	ADJ
ajfti-2325	194	16	concurrent	concurrent	ADJ
ajfti-2325	194	17	economic	economic	ADJ
ajfti-2325	194	18	drivers	driver	NOUN
ajfti-2325	194	19	.	.	PUNCT
ajfti-2325	195	1	desalegn	desalegn	PROPN
ajfti-2325	195	2	(	(	PUNCT
ajfti-2325	195	3	2020	2020	NUM
ajfti-2325	195	4	)	)	PUNCT
ajfti-2325	195	5	focusing	focus	VERB
ajfti-2325	195	6	on	on	ADP
ajfti-2325	195	7	the	the	DET
ajfti-2325	195	8	ethiopian	ethiopian	ADJ
ajfti-2325	195	9	context	context	NOUN
ajfti-2325	195	10	,	,	PUNCT
ajfti-2325	195	11	pa	pa	PROPN
ajfti-2325	195	12	ge	ge	PROPN
ajfti-2325	195	13	40	40	NUM
ajfti-2325	195	14	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	NOUN
ajfti-2325	195	15	am	be	AUX
ajfti-2325	195	16	.	.	PUNCT
ajfti-2325	196	1	j.	j.	PROPN
ajfti-2325	196	2	financ	financ	PROPN
ajfti-2325	196	3	.	.	PUNCT
ajfti-2325	197	1	technol	technol	PROPN
ajfti-2325	197	2	.	.	PUNCT
ajfti-2325	197	3	innov	innov	PROPN
ajfti-2325	197	4	.	.	PUNCT
ajfti-2325	198	1	1(1	1(1	NUM
ajfti-2325	198	2	)	)	PUNCT
ajfti-2325	198	3	35	35	NUM
ajfti-2325	198	4	-	-	SYM
ajfti-2325	198	5	45	45	NUM
ajfti-2325	198	6	,	,	PUNCT
ajfti-2325	198	7	2023	2023	NUM
ajfti-2325	198	8	desalegn	desalegn	NOUN
ajfti-2325	198	9	,	,	PUNCT
ajfti-2325	198	10	in	in	ADP
ajfti-2325	198	11	his	his	PRON
ajfti-2325	198	12	paper	paper	NOUN
ajfti-2325	198	13	“	"	PUNCT
ajfti-2325	198	14	web	web	NOUN
ajfti-2325	198	15	transactions	transaction	NOUN
ajfti-2325	198	16	and	and	CCONJ
ajfti-2325	198	17	economic	economic	ADJ
ajfti-2325	198	18	growth	growth	NOUN
ajfti-2325	198	19	:	:	PUNCT
ajfti-2325	198	20	a	a	DET
ajfti-2325	198	21	critical	critical	ADJ
ajfti-2325	198	22	evaluation	evaluation	NOUN
ajfti-2325	198	23	of	of	ADP
ajfti-2325	198	24	ethiopia	ethiopia	PROPN
ajfti-2325	198	25	’s	’s	PART
ajfti-2325	198	26	landscape	landscape	NOUN
ajfti-2325	198	27	,	,	PUNCT
ajfti-2325	198	28	”	"	PUNCT
ajfti-2325	198	29	embarked	embark	VERB
ajfti-2325	198	30	on	on	ADP
ajfti-2325	198	31	examining	examine	VERB
ajfti-2325	198	32	the	the	DET
ajfti-2325	198	33	intricate	intricate	ADJ
ajfti-2325	198	34	relationship	relationship	NOUN
ajfti-2325	198	35	between	between	ADP
ajfti-2325	198	36	web	web	NOUN
ajfti-2325	198	37	-	-	PUNCT
ajfti-2325	198	38	based	base	VERB
ajfti-2325	198	39	transactions	transaction	NOUN
ajfti-2325	198	40	and	and	CCONJ
ajfti-2325	198	41	the	the	DET
ajfti-2325	198	42	nation	nation	NOUN
ajfti-2325	198	43	’s	’s	PART
ajfti-2325	198	44	economic	economic	ADJ
ajfti-2325	198	45	landscape	landscape	NOUN
ajfti-2325	198	46	.	.	PUNCT
ajfti-2325	199	1	his	his	PRON
ajfti-2325	199	2	study	study	NOUN
ajfti-2325	199	3	spanned	span	VERB
ajfti-2325	199	4	from	from	ADP
ajfti-2325	199	5	2015	2015	NUM
ajfti-2325	199	6	to	to	ADP
ajfti-2325	199	7	2019	2019	NUM
ajfti-2325	199	8	.	.	PUNCT
ajfti-2325	200	1	using	use	VERB
ajfti-2325	200	2	time	time	NOUN
ajfti-2325	200	3	-	-	PUNCT
ajfti-2325	200	4	series	series	NOUN
ajfti-2325	200	5	analysis	analysis	NOUN
ajfti-2325	200	6	,	,	PUNCT
ajfti-2325	200	7	desalegn	desalegn	PROPN
ajfti-2325	200	8	chose	choose	VERB
ajfti-2325	200	9	the	the	DET
ajfti-2325	200	10	volume	volume	NOUN
ajfti-2325	200	11	of	of	ADP
ajfti-2325	200	12	web	web	NOUN
ajfti-2325	200	13	transactions	transaction	NOUN
ajfti-2325	200	14	as	as	ADP
ajfti-2325	200	15	the	the	DET
ajfti-2325	200	16	independent	independent	ADJ
ajfti-2325	200	17	variable	variable	NOUN
ajfti-2325	200	18	,	,	PUNCT
ajfti-2325	200	19	with	with	ADP
ajfti-2325	200	20	the	the	DET
ajfti-2325	200	21	country	country	NOUN
ajfti-2325	200	22	’s	’s	PART
ajfti-2325	200	23	gdp	gdp	NOUN
ajfti-2325	200	24	growth	growth	NOUN
ajfti-2325	200	25	rate	rate	NOUN
ajfti-2325	200	26	being	be	AUX
ajfti-2325	200	27	the	the	DET
ajfti-2325	200	28	dependent	dependent	ADJ
ajfti-2325	200	29	variable	variable	NOUN
ajfti-2325	200	30	.	.	PUNCT
ajfti-2325	201	1	while	while	SCONJ
ajfti-2325	201	2	the	the	DET
ajfti-2325	201	3	research	research	NOUN
ajfti-2325	201	4	underscored	underscore	VERB
ajfti-2325	201	5	an	an	DET
ajfti-2325	201	6	observable	observable	ADJ
ajfti-2325	201	7	increase	increase	NOUN
ajfti-2325	201	8	in	in	ADP
ajfti-2325	201	9	the	the	DET
ajfti-2325	201	10	volume	volume	NOUN
ajfti-2325	201	11	of	of	ADP
ajfti-2325	201	12	web	web	NOUN
ajfti-2325	201	13	transactions	transaction	NOUN
ajfti-2325	201	14	,	,	PUNCT
ajfti-2325	201	15	desalegn	desalegn	PROPN
ajfti-2325	201	16	took	take	VERB
ajfti-2325	201	17	a	a	DET
ajfti-2325	201	18	cautious	cautious	ADJ
ajfti-2325	201	19	stance	stance	NOUN
ajfti-2325	201	20	.	.	PUNCT
ajfti-2325	202	1	he	he	PRON
ajfti-2325	202	2	argued	argue	VERB
ajfti-2325	202	3	that	that	SCONJ
ajfti-2325	202	4	without	without	ADP
ajfti-2325	202	5	parallel	parallel	ADJ
ajfti-2325	202	6	growth	growth	NOUN
ajfti-2325	202	7	in	in	ADP
ajfti-2325	202	8	supportive	supportive	ADJ
ajfti-2325	202	9	infrastructure	infrastructure	NOUN
ajfti-2325	202	10	and	and	CCONJ
ajfti-2325	202	11	apt	apt	ADJ
ajfti-2325	202	12	regulations	regulation	NOUN
ajfti-2325	202	13	,	,	PUNCT
ajfti-2325	202	14	the	the	DET
ajfti-2325	202	15	observed	observe	VERB
ajfti-2325	202	16	economic	economic	ADJ
ajfti-2325	202	17	benefits	benefit	NOUN
ajfti-2325	202	18	might	might	AUX
ajfti-2325	202	19	be	be	AUX
ajfti-2325	202	20	ephemeral	ephemeral	ADJ
ajfti-2325	202	21	.	.	PUNCT
ajfti-2325	203	1	his	his	PRON
ajfti-2325	203	2	work	work	NOUN
ajfti-2325	203	3	,	,	PUNCT
ajfti-2325	203	4	however	however	ADV
ajfti-2325	203	5	,	,	PUNCT
ajfti-2325	203	6	faced	face	VERB
ajfti-2325	203	7	criticism	criticism	NOUN
ajfti-2325	203	8	for	for	ADP
ajfti-2325	203	9	its	its	PRON
ajfti-2325	203	10	somewhat	somewhat	ADV
ajfti-2325	203	11	pessimistic	pessimistic	ADJ
ajfti-2325	203	12	outlook	outlook	NOUN
ajfti-2325	203	13	.	.	PUNCT
ajfti-2325	204	1	opponents	opponent	NOUN
ajfti-2325	204	2	believed	believe	VERB
ajfti-2325	204	3	that	that	SCONJ
ajfti-2325	204	4	while	while	SCONJ
ajfti-2325	204	5	his	his	PRON
ajfti-2325	204	6	concerns	concern	NOUN
ajfti-2325	204	7	were	be	AUX
ajfti-2325	204	8	valid	valid	ADJ
ajfti-2325	204	9	,	,	PUNCT
ajfti-2325	204	10	they	they	PRON
ajfti-2325	204	11	overshadowed	overshadow	VERB
ajfti-2325	204	12	the	the	DET
ajfti-2325	204	13	vast	vast	ADJ
ajfti-2325	204	14	potential	potential	ADJ
ajfti-2325	204	15	web	web	NOUN
ajfti-2325	204	16	transactions	transaction	NOUN
ajfti-2325	204	17	hold	hold	VERB
ajfti-2325	204	18	for	for	ADP
ajfti-2325	204	19	ethiopia	ethiopia	PROPN
ajfti-2325	204	20	’s	’s	PART
ajfti-2325	204	21	economy	economy	NOUN
ajfti-2325	204	22	in	in	ADP
ajfti-2325	204	23	the	the	DET
ajfti-2325	204	24	long	long	ADJ
ajfti-2325	204	25	run	run	NOUN
ajfti-2325	204	26	.	.	PUNCT
ajfti-2325	205	1	kamau	kamau	NOUN
ajfti-2325	205	2	and	and	CCONJ
ajfti-2325	205	3	waiganjo	waiganjo	ADJ
ajfti-2325	205	4	in	in	ADP
ajfti-2325	205	5	their	their	PRON
ajfti-2325	205	6	2016	2016	NUM
ajfti-2325	205	7	study	study	NOUN
ajfti-2325	205	8	focused	focus	VERB
ajfti-2325	205	9	on	on	ADP
ajfti-2325	205	10	the	the	DET
ajfti-2325	205	11	burgeoning	burgeon	VERB
ajfti-2325	205	12	landscape	landscape	NOUN
ajfti-2325	205	13	of	of	ADP
ajfti-2325	205	14	kenya	kenya	PROPN
ajfti-2325	205	15	’s	’s	PART
ajfti-2325	205	16	mobile	mobile	ADJ
ajfti-2325	205	17	banking	banking	NOUN
ajfti-2325	205	18	sector	sector	NOUN
ajfti-2325	205	19	,	,	PUNCT
ajfti-2325	205	20	particularly	particularly	ADV
ajfti-2325	205	21	assessing	assess	VERB
ajfti-2325	205	22	its	its	PRON
ajfti-2325	205	23	role	role	NOUN
ajfti-2325	205	24	in	in	ADP
ajfti-2325	205	25	the	the	DET
ajfti-2325	205	26	growth	growth	NOUN
ajfti-2325	205	27	of	of	ADP
ajfti-2325	205	28	small	small	ADJ
ajfti-2325	205	29	and	and	CCONJ
ajfti-2325	205	30	medium	medium	ADJ
ajfti-2325	205	31	-	-	PUNCT
ajfti-2325	205	32	sized	sized	ADJ
ajfti-2325	205	33	enterprises	enterprise	NOUN
ajfti-2325	205	34	(	(	PUNCT
ajfti-2325	205	35	smes	sme	NOUN
ajfti-2325	205	36	)	)	PUNCT
ajfti-2325	205	37	.	.	PUNCT
ajfti-2325	206	1	spanning	span	VERB
ajfti-2325	206	2	the	the	DET
ajfti-2325	206	3	time	time	NOUN
ajfti-2325	206	4	frame	frame	NOUN
ajfti-2325	206	5	from	from	ADP
ajfti-2325	206	6	2010	2010	NUM
ajfti-2325	206	7	to	to	ADP
ajfti-2325	206	8	2015	2015	NUM
ajfti-2325	206	9	,	,	PUNCT
ajfti-2325	206	10	the	the	DET
ajfti-2325	206	11	study	study	NOUN
ajfti-2325	206	12	employed	employ	VERB
ajfti-2325	206	13	a	a	DET
ajfti-2325	206	14	descriptive	descriptive	ADJ
ajfti-2325	206	15	research	research	NOUN
ajfti-2325	206	16	design	design	NOUN
ajfti-2325	206	17	with	with	ADP
ajfti-2325	206	18	stratified	stratified	ADJ
ajfti-2325	206	19	sampling	sample	VERB
ajfti-2325	206	20	techniques	technique	NOUN
ajfti-2325	206	21	to	to	PART
ajfti-2325	206	22	gather	gather	VERB
ajfti-2325	206	23	data	datum	NOUN
ajfti-2325	206	24	from	from	ADP
ajfti-2325	206	25	a	a	DET
ajfti-2325	206	26	diverse	diverse	ADJ
ajfti-2325	206	27	group	group	NOUN
ajfti-2325	206	28	of	of	ADP
ajfti-2325	206	29	smes	sme	NOUN
ajfti-2325	206	30	across	across	ADP
ajfti-2325	206	31	kenya	kenya	PROPN
ajfti-2325	206	32	’s	’s	PART
ajfti-2325	206	33	major	major	ADJ
ajfti-2325	206	34	cities	city	NOUN
ajfti-2325	206	35	.	.	PUNCT
ajfti-2325	207	1	by	by	ADP
ajfti-2325	207	2	utilizing	utilize	VERB
ajfti-2325	207	3	regression	regression	NOUN
ajfti-2325	207	4	analysis	analysis	NOUN
ajfti-2325	207	5	,	,	PUNCT
ajfti-2325	207	6	they	they	PRON
ajfti-2325	207	7	set	set	VERB
ajfti-2325	207	8	out	out	ADP
ajfti-2325	207	9	to	to	PART
ajfti-2325	207	10	understand	understand	VERB
ajfti-2325	207	11	the	the	DET
ajfti-2325	207	12	relationship	relationship	NOUN
ajfti-2325	207	13	between	between	ADP
ajfti-2325	207	14	mobile	mobile	ADJ
ajfti-2325	207	15	banking	banking	NOUN
ajfti-2325	207	16	(	(	PUNCT
ajfti-2325	207	17	independent	independent	ADJ
ajfti-2325	207	18	variable	variable	NOUN
ajfti-2325	207	19	)	)	PUNCT
ajfti-2325	207	20	and	and	CCONJ
ajfti-2325	207	21	sme	sme	NOUN
ajfti-2325	207	22	growth	growth	NOUN
ajfti-2325	207	23	(	(	PUNCT
ajfti-2325	207	24	dependent	dependent	ADJ
ajfti-2325	207	25	variable	variable	NOUN
ajfti-2325	207	26	)	)	PUNCT
ajfti-2325	207	27	.	.	PUNCT
ajfti-2325	208	1	their	their	PRON
ajfti-2325	208	2	findings	finding	NOUN
ajfti-2325	208	3	suggested	suggest	VERB
ajfti-2325	208	4	a	a	DET
ajfti-2325	208	5	positive	positive	ADJ
ajfti-2325	208	6	correlation	correlation	NOUN
ajfti-2325	208	7	between	between	ADP
ajfti-2325	208	8	the	the	DET
ajfti-2325	208	9	two	two	NUM
ajfti-2325	208	10	,	,	PUNCT
ajfti-2325	208	11	indicating	indicate	VERB
ajfti-2325	208	12	that	that	SCONJ
ajfti-2325	208	13	the	the	DET
ajfti-2325	208	14	surge	surge	NOUN
ajfti-2325	208	15	in	in	ADP
ajfti-2325	208	16	mobile	mobile	ADJ
ajfti-2325	208	17	banking	banking	NOUN
ajfti-2325	208	18	adoption	adoption	NOUN
ajfti-2325	208	19	greatly	greatly	ADV
ajfti-2325	208	20	facilitated	facilitate	VERB
ajfti-2325	208	21	the	the	DET
ajfti-2325	208	22	operations	operation	NOUN
ajfti-2325	208	23	and	and	CCONJ
ajfti-2325	208	24	growth	growth	NOUN
ajfti-2325	208	25	of	of	ADP
ajfti-2325	208	26	smes	sme	NOUN
ajfti-2325	208	27	by	by	ADP
ajfti-2325	208	28	offering	offer	VERB
ajfti-2325	208	29	them	they	PRON
ajfti-2325	208	30	access	access	NOUN
ajfti-2325	208	31	to	to	ADP
ajfti-2325	208	32	expedited	expedite	VERB
ajfti-2325	208	33	financial	financial	ADJ
ajfti-2325	208	34	services	service	NOUN
ajfti-2325	208	35	.	.	PUNCT
ajfti-2325	209	1	however	however	ADV
ajfti-2325	209	2	,	,	PUNCT
ajfti-2325	209	3	some	some	DET
ajfti-2325	209	4	critics	critic	NOUN
ajfti-2325	209	5	argue	argue	VERB
ajfti-2325	209	6	that	that	SCONJ
ajfti-2325	209	7	the	the	DET
ajfti-2325	209	8	study	study	NOUN
ajfti-2325	209	9	does	do	VERB
ajfti-2325	209	10	n’t	not	PART
ajfti-2325	209	11	factor	factor	NOUN
ajfti-2325	209	12	in	in	ADP
ajfti-2325	209	13	other	other	ADJ
ajfti-2325	209	14	socio	socio	NOUN
ajfti-2325	209	15	-	-	PUNCT
ajfti-2325	209	16	economic	economic	ADJ
ajfti-2325	209	17	parameters	parameter	NOUN
ajfti-2325	209	18	that	that	PRON
ajfti-2325	209	19	might	might	AUX
ajfti-2325	209	20	have	have	AUX
ajfti-2325	209	21	influenced	influence	VERB
ajfti-2325	209	22	the	the	DET
ajfti-2325	209	23	growth	growth	NOUN
ajfti-2325	209	24	of	of	ADP
ajfti-2325	209	25	smes	sme	NOUN
ajfti-2325	209	26	during	during	ADP
ajfti-2325	209	27	the	the	DET
ajfti-2325	209	28	same	same	ADJ
ajfti-2325	209	29	period	period	NOUN
ajfti-2325	209	30	.	.	PUNCT
ajfti-2325	210	1	singh	singh	PROPN
ajfti-2325	210	2	and	and	CCONJ
ajfti-2325	210	3	agrawal	agrawal	PROPN
ajfti-2325	210	4	embarked	embark	VERB
ajfti-2325	210	5	on	on	ADP
ajfti-2325	210	6	a	a	DET
ajfti-2325	210	7	comprehensive	comprehensive	ADJ
ajfti-2325	210	8	exploration	exploration	NOUN
ajfti-2325	210	9	in	in	ADP
ajfti-2325	210	10	2019	2019	NUM
ajfti-2325	210	11	,	,	PUNCT
ajfti-2325	210	12	dedicated	dedicate	VERB
ajfti-2325	210	13	to	to	ADP
ajfti-2325	210	14	india	india	PROPN
ajfti-2325	210	15	’s	’s	PART
ajfti-2325	210	16	digital	digital	ADJ
ajfti-2325	210	17	economy	economy	NOUN
ajfti-2325	210	18	with	with	ADP
ajfti-2325	210	19	a	a	DET
ajfti-2325	210	20	spotlight	spotlight	NOUN
ajfti-2325	210	21	on	on	ADP
ajfti-2325	210	22	mobile	mobile	ADJ
ajfti-2325	210	23	payments	payment	NOUN
ajfti-2325	210	24	.	.	PUNCT
ajfti-2325	211	1	the	the	DET
ajfti-2325	211	2	study	study	NOUN
ajfti-2325	211	3	,	,	PUNCT
ajfti-2325	211	4	which	which	PRON
ajfti-2325	211	5	covered	cover	VERB
ajfti-2325	211	6	the	the	DET
ajfti-2325	211	7	period	period	NOUN
ajfti-2325	211	8	from	from	ADP
ajfti-2325	211	9	2014	2014	NUM
ajfti-2325	211	10	to	to	ADP
ajfti-2325	211	11	2018	2018	NUM
ajfti-2325	211	12	,	,	PUNCT
ajfti-2325	211	13	made	make	VERB
ajfti-2325	211	14	use	use	NOUN
ajfti-2325	211	15	of	of	ADP
ajfti-2325	211	16	a	a	DET
ajfti-2325	211	17	quantitative	quantitative	ADJ
ajfti-2325	211	18	method	method	NOUN
ajfti-2325	211	19	,	,	PUNCT
ajfti-2325	211	20	collecting	collect	VERB
ajfti-2325	211	21	data	datum	NOUN
ajfti-2325	211	22	through	through	ADP
ajfti-2325	211	23	structured	structured	ADJ
ajfti-2325	211	24	questionnaires	questionnaire	NOUN
ajfti-2325	211	25	disseminated	disseminate	VERB
ajfti-2325	211	26	among	among	ADP
ajfti-2325	211	27	urban	urban	ADJ
ajfti-2325	211	28	and	and	CCONJ
ajfti-2325	211	29	rural	rural	ADJ
ajfti-2325	211	30	populations	population	NOUN
ajfti-2325	211	31	.	.	PUNCT
ajfti-2325	212	1	analyzing	analyze	VERB
ajfti-2325	212	2	the	the	DET
ajfti-2325	212	3	data	datum	NOUN
ajfti-2325	212	4	through	through	ADP
ajfti-2325	212	5	a	a	DET
ajfti-2325	212	6	series	series	NOUN
ajfti-2325	212	7	of	of	ADP
ajfti-2325	212	8	regression	regression	NOUN
ajfti-2325	212	9	models	model	NOUN
ajfti-2325	212	10	,	,	PUNCT
ajfti-2325	212	11	the	the	DET
ajfti-2325	212	12	independent	independent	ADJ
ajfti-2325	212	13	variable	variable	NOUN
ajfti-2325	212	14	was	be	AUX
ajfti-2325	212	15	the	the	DET
ajfti-2325	212	16	infrastructure	infrastructure	NOUN
ajfti-2325	212	17	of	of	ADP
ajfti-2325	212	18	digital	digital	ADJ
ajfti-2325	212	19	payment	payment	NOUN
ajfti-2325	212	20	systems	system	NOUN
ajfti-2325	212	21	,	,	PUNCT
ajfti-2325	212	22	while	while	SCONJ
ajfti-2325	212	23	the	the	DET
ajfti-2325	212	24	dependent	dependent	ADJ
ajfti-2325	212	25	variable	variable	NOUN
ajfti-2325	212	26	was	be	AUX
ajfti-2325	212	27	the	the	DET
ajfti-2325	212	28	rate	rate	NOUN
ajfti-2325	212	29	of	of	ADP
ajfti-2325	212	30	financial	financial	ADJ
ajfti-2325	212	31	inclusion	inclusion	NOUN
ajfti-2325	212	32	in	in	ADP
ajfti-2325	212	33	the	the	DET
ajfti-2325	212	34	country	country	NOUN
ajfti-2325	212	35	.	.	PUNCT
ajfti-2325	213	1	their	their	PRON
ajfti-2325	213	2	findings	finding	NOUN
ajfti-2325	213	3	highlighted	highlight	VERB
ajfti-2325	213	4	the	the	DET
ajfti-2325	213	5	indispensable	indispensable	ADJ
ajfti-2325	213	6	role	role	NOUN
ajfti-2325	213	7	of	of	ADP
ajfti-2325	213	8	robust	robust	ADJ
ajfti-2325	213	9	digital	digital	ADJ
ajfti-2325	213	10	infrastructure	infrastructure	NOUN
ajfti-2325	213	11	in	in	ADP
ajfti-2325	213	12	the	the	DET
ajfti-2325	213	13	successful	successful	ADJ
ajfti-2325	213	14	proliferation	proliferation	NOUN
ajfti-2325	213	15	of	of	ADP
ajfti-2325	213	16	mobile	mobile	ADJ
ajfti-2325	213	17	payments	payment	NOUN
ajfti-2325	213	18	.	.	PUNCT
ajfti-2325	214	1	yet	yet	ADV
ajfti-2325	214	2	,	,	PUNCT
ajfti-2325	214	3	they	they	PRON
ajfti-2325	214	4	emphasized	emphasize	VERB
ajfti-2325	214	5	the	the	DET
ajfti-2325	214	6	challenges	challenge	NOUN
ajfti-2325	214	7	posed	pose	VERB
ajfti-2325	214	8	by	by	ADP
ajfti-2325	214	9	infrastructural	infrastructural	ADJ
ajfti-2325	214	10	bottlenecks	bottleneck	NOUN
ajfti-2325	214	11	.	.	PUNCT
ajfti-2325	215	1	while	while	SCONJ
ajfti-2325	215	2	the	the	DET
ajfti-2325	215	3	study	study	NOUN
ajfti-2325	215	4	is	be	AUX
ajfti-2325	215	5	profound	profound	ADJ
ajfti-2325	215	6	in	in	ADP
ajfti-2325	215	7	its	its	PRON
ajfti-2325	215	8	insights	insight	NOUN
ajfti-2325	215	9	,	,	PUNCT
ajfti-2325	215	10	some	some	DET
ajfti-2325	215	11	scholars	scholar	NOUN
ajfti-2325	215	12	feel	feel	VERB
ajfti-2325	215	13	it	it	PRON
ajfti-2325	215	14	might	might	AUX
ajfti-2325	215	15	have	have	AUX
ajfti-2325	215	16	glossed	gloss	VERB
ajfti-2325	215	17	over	over	ADP
ajfti-2325	215	18	the	the	DET
ajfti-2325	215	19	cultural	cultural	ADJ
ajfti-2325	215	20	and	and	CCONJ
ajfti-2325	215	21	behavioral	behavioral	ADJ
ajfti-2325	215	22	aspects	aspect	NOUN
ajfti-2325	215	23	of	of	ADP
ajfti-2325	215	24	the	the	DET
ajfti-2325	215	25	population	population	NOUN
ajfti-2325	215	26	that	that	PRON
ajfti-2325	215	27	could	could	AUX
ajfti-2325	215	28	influence	influence	VERB
ajfti-2325	215	29	their	their	PRON
ajfti-2325	215	30	adoption	adoption	NOUN
ajfti-2325	215	31	of	of	ADP
ajfti-2325	215	32	mobile	mobile	ADJ
ajfti-2325	215	33	payments	payment	NOUN
ajfti-2325	215	34	.	.	PUNCT
ajfti-2325	216	1	in	in	ADP
ajfti-2325	216	2	2021	2021	NUM
ajfti-2325	216	3	,	,	PUNCT
ajfti-2325	216	4	teshome	teshome	NOUN
ajfti-2325	216	5	turned	turn	VERB
ajfti-2325	216	6	his	his	PRON
ajfti-2325	216	7	research	research	NOUN
ajfti-2325	216	8	lens	lens	NOUN
ajfti-2325	216	9	towards	towards	ADP
ajfti-2325	216	10	ethiopia	ethiopia	PROPN
ajfti-2325	216	11	’s	’s	PART
ajfti-2325	216	12	digital	digital	ADJ
ajfti-2325	216	13	economy	economy	NOUN
ajfti-2325	216	14	,	,	PUNCT
ajfti-2325	216	15	focusing	focus	VERB
ajfti-2325	216	16	on	on	ADP
ajfti-2325	216	17	the	the	DET
ajfti-2325	216	18	realm	realm	NOUN
ajfti-2325	216	19	of	of	ADP
ajfti-2325	216	20	digital	digital	ADJ
ajfti-2325	216	21	payments	payment	NOUN
ajfti-2325	216	22	.	.	PUNCT
ajfti-2325	217	1	the	the	DET
ajfti-2325	217	2	study	study	NOUN
ajfti-2325	217	3	,	,	PUNCT
ajfti-2325	217	4	spanning	span	VERB
ajfti-2325	217	5	the	the	DET
ajfti-2325	217	6	years	year	NOUN
ajfti-2325	217	7	2016	2016	NUM
ajfti-2325	217	8	to	to	ADP
ajfti-2325	217	9	2020	2020	NUM
ajfti-2325	217	10	,	,	PUNCT
ajfti-2325	217	11	employed	employ	VERB
ajfti-2325	217	12	a	a	DET
ajfti-2325	217	13	mixed	mix	VERB
ajfti-2325	217	14	-	-	PUNCT
ajfti-2325	217	15	method	method	NOUN
ajfti-2325	217	16	approach	approach	NOUN
ajfti-2325	217	17	,	,	PUNCT
ajfti-2325	217	18	combining	combine	VERB
ajfti-2325	217	19	both	both	DET
ajfti-2325	217	20	qualitative	qualitative	ADJ
ajfti-2325	217	21	interviews	interview	NOUN
ajfti-2325	217	22	and	and	CCONJ
ajfti-2325	217	23	quantitative	quantitative	ADJ
ajfti-2325	217	24	surveys	survey	NOUN
ajfti-2325	217	25	from	from	ADP
ajfti-2325	217	26	different	different	ADJ
ajfti-2325	217	27	demographic	demographic	ADJ
ajfti-2325	217	28	sections	section	NOUN
ajfti-2325	217	29	.	.	PUNCT
ajfti-2325	218	1	employing	employ	VERB
ajfti-2325	218	2	factor	factor	NOUN
ajfti-2325	218	3	analysis	analysis	NOUN
ajfti-2325	218	4	,	,	PUNCT
ajfti-2325	218	5	the	the	DET
ajfti-2325	218	6	research	research	NOUN
ajfti-2325	218	7	delineated	delineate	VERB
ajfti-2325	218	8	the	the	DET
ajfti-2325	218	9	relationship	relationship	NOUN
ajfti-2325	218	10	between	between	ADP
ajfti-2325	218	11	the	the	DET
ajfti-2325	218	12	dependent	dependent	ADJ
ajfti-2325	218	13	variable	variable	NOUN
ajfti-2325	218	14	,	,	PUNCT
ajfti-2325	218	15	economic	economic	ADJ
ajfti-2325	218	16	growth	growth	NOUN
ajfti-2325	218	17	,	,	PUNCT
ajfti-2325	218	18	and	and	CCONJ
ajfti-2325	218	19	the	the	DET
ajfti-2325	218	20	independent	independent	ADJ
ajfti-2325	218	21	variable	variable	NOUN
ajfti-2325	218	22	,	,	PUNCT
ajfti-2325	218	23	the	the	DET
ajfti-2325	218	24	adoption	adoption	NOUN
ajfti-2325	218	25	rate	rate	NOUN
ajfti-2325	218	26	of	of	ADP
ajfti-2325	218	27	digital	digital	ADJ
ajfti-2325	218	28	payments	payment	NOUN
ajfti-2325	218	29	.	.	PUNCT
ajfti-2325	219	1	teshome	teshome	NOUN
ajfti-2325	219	2	’s	’s	PART
ajfti-2325	219	3	conclusions	conclusion	NOUN
ajfti-2325	219	4	underlined	underline	VERB
ajfti-2325	219	5	the	the	DET
ajfti-2325	219	6	immense	immense	ADJ
ajfti-2325	219	7	potential	potential	NOUN
ajfti-2325	219	8	of	of	ADP
ajfti-2325	219	9	digital	digital	ADJ
ajfti-2325	219	10	payments	payment	NOUN
ajfti-2325	219	11	in	in	ADP
ajfti-2325	219	12	ethiopia	ethiopia	PROPN
ajfti-2325	219	13	but	but	CCONJ
ajfti-2325	219	14	also	also	ADV
ajfti-2325	219	15	spotlighted	spotlight	VERB
ajfti-2325	219	16	the	the	DET
ajfti-2325	219	17	impediment	impediment	NOUN
ajfti-2325	219	18	of	of	ADP
ajfti-2325	219	19	limited	limited	ADJ
ajfti-2325	219	20	financial	financial	ADJ
ajfti-2325	219	21	literacy	literacy	NOUN
ajfti-2325	219	22	among	among	ADP
ajfti-2325	219	23	the	the	DET
ajfti-2325	219	24	populace	populace	NOUN
ajfti-2325	219	25	.	.	PUNCT
ajfti-2325	220	1	the	the	DET
ajfti-2325	220	2	study	study	NOUN
ajfti-2325	220	3	,	,	PUNCT
ajfti-2325	220	4	while	while	SCONJ
ajfti-2325	220	5	in	in	ADP
ajfti-2325	220	6	-	-	PUNCT
ajfti-2325	220	7	depth	depth	NOUN
ajfti-2325	220	8	,	,	PUNCT
ajfti-2325	220	9	has	have	AUX
ajfti-2325	220	10	been	be	AUX
ajfti-2325	220	11	critiqued	critique	VERB
ajfti-2325	220	12	for	for	ADP
ajfti-2325	220	13	not	not	PART
ajfti-2325	220	14	sufficiently	sufficiently	ADV
ajfti-2325	220	15	addressing	address	VERB
ajfti-2325	220	16	the	the	DET
ajfti-2325	220	17	regulatory	regulatory	ADJ
ajfti-2325	220	18	and	and	CCONJ
ajfti-2325	220	19	policy	policy	NOUN
ajfti-2325	220	20	environment	environment	NOUN
ajfti-2325	220	21	that	that	PRON
ajfti-2325	220	22	could	could	AUX
ajfti-2325	220	23	affect	affect	VERB
ajfti-2325	220	24	the	the	DET
ajfti-2325	220	25	growth	growth	NOUN
ajfti-2325	220	26	of	of	ADP
ajfti-2325	220	27	digital	digital	ADJ
ajfti-2325	220	28	payments	payment	NOUN
ajfti-2325	220	29	.	.	PUNCT
ajfti-2325	221	1	materials	material	NOUN
ajfti-2325	221	2	&	&	CCONJ
ajfti-2325	221	3	methods	method	NOUN
ajfti-2325	221	4	in	in	ADP
ajfti-2325	221	5	this	this	DET
ajfti-2325	221	6	study	study	NOUN
ajfti-2325	221	7	,	,	PUNCT
ajfti-2325	221	8	the	the	DET
ajfti-2325	221	9	selected	select	VERB
ajfti-2325	221	10	research	research	NOUN
ajfti-2325	221	11	design	design	NOUN
ajfti-2325	221	12	is	be	AUX
ajfti-2325	221	13	the	the	DET
ajfti-2325	221	14	expost	expost	ADV
ajfti-2325	221	15	facto	facto	X
ajfti-2325	221	16	design	design	NOUN
ajfti-2325	221	17	.	.	PUNCT
ajfti-2325	222	1	this	this	DET
ajfti-2325	222	2	approach	approach	NOUN
ajfti-2325	222	3	is	be	AUX
ajfti-2325	222	4	characterized	characterize	VERB
ajfti-2325	222	5	by	by	ADP
ajfti-2325	222	6	the	the	DET
ajfti-2325	222	7	researcher	researcher	NOUN
ajfti-2325	222	8	’s	’s	PART
ajfti-2325	222	9	inability	inability	NOUN
ajfti-2325	222	10	to	to	PART
ajfti-2325	222	11	manipulate	manipulate	VERB
ajfti-2325	222	12	the	the	DET
ajfti-2325	222	13	data	datum	NOUN
ajfti-2325	222	14	under	under	ADP
ajfti-2325	222	15	examination	examination	NOUN
ajfti-2325	222	16	.	.	PUNCT
ajfti-2325	223	1	defined	define	VERB
ajfti-2325	223	2	by	by	ADP
ajfti-2325	223	3	kerlinger	kerlinger	X
ajfti-2325	223	4	(	(	PUNCT
ajfti-2325	223	5	1973	1973	NUM
ajfti-2325	223	6	)	)	PUNCT
ajfti-2325	223	7	,	,	PUNCT
ajfti-2325	223	8	the	the	DET
ajfti-2325	223	9	ex	ex	NOUN
ajfti-2325	223	10	-	-	NOUN
ajfti-2325	223	11	post	post	ADJ
ajfti-2325	223	12	facto	facto	X
ajfti-2325	223	13	,	,	PUNCT
ajfti-2325	223	14	also	also	ADV
ajfti-2325	223	15	termed	term	VERB
ajfti-2325	223	16	as	as	ADP
ajfti-2325	223	17	‘	'	PUNCT
ajfti-2325	223	18	causal	causal	ADJ
ajfti-2325	223	19	comparative	comparative	ADJ
ajfti-2325	223	20	research	research	NOUN
ajfti-2325	223	21	’	'	PUNCT
ajfti-2325	223	22	,	,	PUNCT
ajfti-2325	223	23	delves	delve	VERB
ajfti-2325	223	24	into	into	ADP
ajfti-2325	223	25	identifying	identify	VERB
ajfti-2325	223	26	potential	potential	ADJ
ajfti-2325	223	27	cause	cause	NOUN
ajfti-2325	223	28	-	-	PUNCT
ajfti-2325	223	29	effect	effect	NOUN
ajfti-2325	223	30	relationships	relationship	NOUN
ajfti-2325	223	31	between	between	ADP
ajfti-2325	223	32	dependent	dependent	ADJ
ajfti-2325	223	33	and	and	CCONJ
ajfti-2325	223	34	independent	independent	ADJ
ajfti-2325	223	35	variables	variable	NOUN
ajfti-2325	223	36	.	.	PUNCT
ajfti-2325	224	1	the	the	DET
ajfti-2325	224	2	primary	primary	ADJ
ajfti-2325	224	3	objective	objective	NOUN
ajfti-2325	224	4	is	be	AUX
ajfti-2325	224	5	to	to	PART
ajfti-2325	224	6	establish	establish	VERB
ajfti-2325	224	7	a	a	DET
ajfti-2325	224	8	definitive	definitive	ADJ
ajfti-2325	224	9	causal	causal	ADJ
ajfti-2325	224	10	connection	connection	NOUN
ajfti-2325	224	11	between	between	ADP
ajfti-2325	224	12	them	they	PRON
ajfti-2325	224	13	.	.	PUNCT
ajfti-2325	225	1	the	the	DET
ajfti-2325	225	2	pertinence	pertinence	NOUN
ajfti-2325	225	3	of	of	ADP
ajfti-2325	225	4	this	this	DET
ajfti-2325	225	5	design	design	NOUN
ajfti-2325	225	6	,	,	PUNCT
ajfti-2325	225	7	especially	especially	ADV
ajfti-2325	225	8	in	in	ADP
ajfti-2325	225	9	discerning	discern	VERB
ajfti-2325	225	10	such	such	ADJ
ajfti-2325	225	11	relationships	relationship	NOUN
ajfti-2325	225	12	,	,	PUNCT
ajfti-2325	225	13	motivated	motivate	VERB
ajfti-2325	225	14	its	its	PRON
ajfti-2325	225	15	adoption	adoption	NOUN
ajfti-2325	225	16	for	for	ADP
ajfti-2325	225	17	the	the	DET
ajfti-2325	225	18	present	present	ADJ
ajfti-2325	225	19	study	study	NOUN
ajfti-2325	225	20	.	.	PUNCT
ajfti-2325	226	1	for	for	ADP
ajfti-2325	226	2	this	this	DET
ajfti-2325	226	3	study	study	NOUN
ajfti-2325	226	4	,	,	PUNCT
ajfti-2325	226	5	the	the	DET
ajfti-2325	226	6	core	core	NOUN
ajfti-2325	226	7	dataset	dataset	NOUN
ajfti-2325	226	8	is	be	AUX
ajfti-2325	226	9	constructed	construct	VERB
ajfti-2325	226	10	from	from	ADP
ajfti-2325	226	11	annual	annual	ADJ
ajfti-2325	226	12	secondary	secondary	ADJ
ajfti-2325	226	13	data	datum	NOUN
ajfti-2325	226	14	that	that	PRON
ajfti-2325	226	15	align	align	VERB
ajfti-2325	226	16	closely	closely	ADV
ajfti-2325	226	17	with	with	ADP
ajfti-2325	226	18	our	our	PRON
ajfti-2325	226	19	research	research	NOUN
ajfti-2325	226	20	objectives	objective	NOUN
ajfti-2325	226	21	.	.	PUNCT
ajfti-2325	227	1	these	these	DET
ajfti-2325	227	2	data	datum	NOUN
ajfti-2325	227	3	have	have	AUX
ajfti-2325	227	4	been	be	AUX
ajfti-2325	227	5	generated	generate	VERB
ajfti-2325	227	6	from	from	ADP
ajfti-2325	227	7	esteemed	esteemed	ADJ
ajfti-2325	227	8	publications	publication	NOUN
ajfti-2325	227	9	,	,	PUNCT
ajfti-2325	227	10	primarily	primarily	ADV
ajfti-2325	227	11	the	the	DET
ajfti-2325	227	12	central	central	ADJ
ajfti-2325	227	13	bank	bank	PROPN
ajfti-2325	227	14	of	of	ADP
ajfti-2325	227	15	nigeria	nigeria	PROPN
ajfti-2325	227	16	(	(	PUNCT
ajfti-2325	227	17	cbn	cbn	PROPN
ajfti-2325	227	18	)	)	PUNCT
ajfti-2325	227	19	and	and	CCONJ
ajfti-2325	227	20	the	the	DET
ajfti-2325	227	21	national	national	PROPN
ajfti-2325	227	22	bureau	bureau	PROPN
ajfti-2325	227	23	of	of	ADP
ajfti-2325	227	24	statistics	statistic	NOUN
ajfti-2325	227	25	(	(	PUNCT
ajfti-2325	227	26	nbs	nbs	PROPN
ajfti-2325	227	27	)	)	PUNCT
ajfti-2325	227	28	.	.	PUNCT
ajfti-2325	228	1	the	the	DET
ajfti-2325	228	2	data	data	NOUN
ajfti-2325	228	3	sets	set	VERB
ajfti-2325	228	4	focus	focus	VERB
ajfti-2325	228	5	on	on	ADP
ajfti-2325	228	6	several	several	ADJ
ajfti-2325	228	7	pivotal	pivotal	ADJ
ajfti-2325	228	8	metrics	metric	NOUN
ajfti-2325	228	9	:	:	PUNCT
ajfti-2325	228	10	instant	instant	ADJ
ajfti-2325	228	11	pay	pay	NOUN
ajfti-2325	228	12	transactions	transaction	NOUN
ajfti-2325	228	13	,	,	PUNCT
ajfti-2325	228	14	internet	internet	NOUN
ajfti-2325	228	15	(	(	PUNCT
ajfti-2325	228	16	web	web	NOUN
ajfti-2325	228	17	)	)	PUNCT
ajfti-2325	228	18	transactions	transaction	NOUN
ajfti-2325	228	19	,	,	PUNCT
ajfti-2325	228	20	mobile	mobile	ADJ
ajfti-2325	228	21	payment	payment	NOUN
ajfti-2325	228	22	transactions	transaction	NOUN
ajfti-2325	228	23	,	,	PUNCT
ajfti-2325	228	24	and	and	CCONJ
ajfti-2325	228	25	indicators	indicator	NOUN
ajfti-2325	228	26	of	of	ADP
ajfti-2325	228	27	economic	economic	ADJ
ajfti-2325	228	28	growth	growth	NOUN
ajfti-2325	228	29	,	,	PUNCT
ajfti-2325	228	30	represented	represent	VERB
ajfti-2325	228	31	through	through	ADP
ajfti-2325	228	32	real	real	ADJ
ajfti-2325	228	33	gross	gross	ADJ
ajfti-2325	228	34	domestic	domestic	ADJ
ajfti-2325	228	35	product	product	NOUN
ajfti-2325	228	36	(	(	PUNCT
ajfti-2325	228	37	rgdp	rgdp	NOUN
ajfti-2325	228	38	)	)	PUNCT
ajfti-2325	228	39	.	.	PUNCT
ajfti-2325	229	1	the	the	DET
ajfti-2325	229	2	model	model	NOUN
ajfti-2325	229	3	for	for	ADP
ajfti-2325	229	4	the	the	DET
ajfti-2325	229	5	study	study	NOUN
ajfti-2325	229	6	modified	modify	VERB
ajfti-2325	229	7	the	the	DET
ajfti-2325	229	8	framework	framework	NOUN
ajfti-2325	229	9	of	of	ADP
ajfti-2325	229	10	mamudu	mamudu	NOUN
ajfti-2325	229	11	and	and	CCONJ
ajfti-2325	229	12	gayovwi	gayovwi	NOUN
ajfti-2325	229	13	(	(	PUNCT
ajfti-2325	229	14	2019	2019	NUM
ajfti-2325	229	15	)	)	PUNCT
ajfti-2325	229	16	in	in	ADP
ajfti-2325	229	17	estimating	estimate	VERB
ajfti-2325	229	18	the	the	DET
ajfti-2325	229	19	relationship	relationship	NOUN
ajfti-2325	229	20	between	between	ADP
ajfti-2325	229	21	cashless	cashless	NOUN
ajfti-2325	229	22	policy	policy	NOUN
ajfti-2325	229	23	(	(	PUNCT
ajfti-2325	229	24	measured	measure	VERB
ajfti-2325	229	25	as	as	ADP
ajfti-2325	229	26	instant	instant	ADJ
ajfti-2325	229	27	pay	pay	NOUN
ajfti-2325	229	28	transactions	transaction	NOUN
ajfti-2325	229	29	,	,	PUNCT
ajfti-2325	229	30	internet	internet	NOUN
ajfti-2325	229	31	(	(	PUNCT
ajfti-2325	229	32	web	web	NOUN
ajfti-2325	229	33	)	)	PUNCT
ajfti-2325	229	34	transactions	transaction	NOUN
ajfti-2325	229	35	,	,	PUNCT
ajfti-2325	229	36	mobile	mobile	ADJ
ajfti-2325	229	37	payment	payment	NOUN
ajfti-2325	229	38	transactions	transaction	NOUN
ajfti-2325	229	39	)	)	PUNCT
ajfti-2325	229	40	and	and	CCONJ
ajfti-2325	229	41	economic	economic	ADJ
ajfti-2325	229	42	growth	growth	NOUN
ajfti-2325	229	43	.	.	PUNCT
ajfti-2325	230	1	for	for	ADP
ajfti-2325	230	2	this	this	DET
ajfti-2325	230	3	study	study	NOUN
ajfti-2325	230	4	,	,	PUNCT
ajfti-2325	230	5	the	the	DET
ajfti-2325	230	6	mathematical	mathematical	ADJ
ajfti-2325	230	7	specification	specification	NOUN
ajfti-2325	230	8	of	of	ADP
ajfti-2325	230	9	the	the	DET
ajfti-2325	230	10	implicit	implicit	ADJ
ajfti-2325	230	11	model	model	NOUN
ajfti-2325	230	12	that	that	PRON
ajfti-2325	230	13	expresses	express	VERB
ajfti-2325	230	14	the	the	DET
ajfti-2325	230	15	relationship	relationship	NOUN
ajfti-2325	230	16	between	between	ADP
ajfti-2325	230	17	fintech	fintech	NOUN
ajfti-2325	230	18	and	and	CCONJ
ajfti-2325	230	19	economic	economic	ADJ
ajfti-2325	230	20	growth	growth	NOUN
ajfti-2325	230	21	in	in	ADP
ajfti-2325	230	22	nigeria	nigeria	PROPN
ajfti-2325	230	23	is	be	AUX
ajfti-2325	230	24	expressed	express	VERB
ajfti-2325	230	25	as	as	ADP
ajfti-2325	230	26	:	:	PUNCT
ajfti-2325	230	27	rgdpt	rgdpt	ADJ
ajfti-2325	230	28	=	=	SYM
ajfti-2325	230	29	ƒ(ipt	ƒ(ipt	PROPN
ajfti-2325	230	30	,	,	PUNCT
ajfti-2325	230	31	itr	itr	NOUN
ajfti-2325	230	32	,	,	PUNCT
ajfti-2325	230	33	mpt	mpt	PROPN
ajfti-2325	230	34	)	)	PUNCT
ajfti-2325	230	35	(	(	PUNCT
ajfti-2325	230	36	1	1	X
ajfti-2325	230	37	)	)	PUNCT
ajfti-2325	230	38	setting	set	VERB
ajfti-2325	230	39	up	up	ADP
ajfti-2325	230	40	equation	equation	NOUN
ajfti-2325	230	41	(	(	PUNCT
ajfti-2325	230	42	1	1	NUM
ajfti-2325	230	43	)	)	PUNCT
ajfti-2325	230	44	in	in	ADP
ajfti-2325	230	45	a	a	DET
ajfti-2325	230	46	linear	linear	ADJ
ajfti-2325	230	47	stochastic	stochastic	ADJ
ajfti-2325	230	48	form	form	NOUN
ajfti-2325	230	49	(	(	PUNCT
ajfti-2325	230	50	or	or	CCONJ
ajfti-2325	230	51	econometric	econometric	ADJ
ajfti-2325	230	52	form	form	NOUN
ajfti-2325	230	53	)	)	PUNCT
ajfti-2325	230	54	is	be	AUX
ajfti-2325	230	55	expressed	express	VERB
ajfti-2325	230	56	as	as	ADP
ajfti-2325	230	57	:	:	PUNCT
ajfti-2325	230	58	rgdpt	rgdpt	ADJ
ajfti-2325	230	59	=	=	SYM
ajfti-2325	230	60	λ0	λ0	NOUN
ajfti-2325	230	61	+	+	CCONJ
ajfti-2325	230	62	λ1	λ1	ADJ
ajfti-2325	230	63	ipt	ipt	NOUN
ajfti-2325	230	64	+	+	CCONJ
ajfti-2325	230	65	λ2	λ2	NOUN
ajfti-2325	230	66	itr	itr	NOUN
ajfti-2325	230	67	+	+	CCONJ
ajfti-2325	231	1	λ3mpt	λ3mpt	PUNCT
ajfti-2325	231	2	+	+	NUM
ajfti-2325	231	3	μ1	μ1	NOUN
ajfti-2325	231	4	(	(	PUNCT
ajfti-2325	231	5	2	2	NUM
ajfti-2325	231	6	)	)	PUNCT
ajfti-2325	232	1	where	where	SCONJ
ajfti-2325	232	2	:	:	PUNCT
ajfti-2325	232	3	rgdp	rgdp	NOUN
ajfti-2325	232	4	=	=	SYM
ajfti-2325	232	5	real	real	ADJ
ajfti-2325	232	6	gdp	gdp	NOUN
ajfti-2325	232	7	ipt	ipt	PROPN
ajfti-2325	232	8	=	=	PROPN
ajfti-2325	232	9	instant	instant	ADJ
ajfti-2325	232	10	pay	pay	NOUN
ajfti-2325	232	11	transactions	transaction	NOUN
ajfti-2325	232	12	itr	itr	NOUN
ajfti-2325	232	13	=	=	SYM
ajfti-2325	232	14	internet	internet	NOUN
ajfti-2325	232	15	transactions	transaction	NOUN
ajfti-2325	232	16	mpt	mpt	NOUN
ajfti-2325	232	17	=	=	SYM
ajfti-2325	232	18	mobile	mobile	NOUN
ajfti-2325	232	19	payments	payment	NOUN
ajfti-2325	232	20	transactions	transaction	NOUN
ajfti-2325	232	21	λ0	λ0	NOUN
ajfti-2325	232	22	=	=	SYM
ajfti-2325	232	23	constant	constant	ADJ
ajfti-2325	232	24	term	term	NOUN
ajfti-2325	232	25	λ1	λ1	PROPN
ajfti-2325	232	26	λ3	λ3	PROPN
ajfti-2325	232	27	=	=	NOUN
ajfti-2325	232	28	coefficients	coefficient	NOUN
ajfti-2325	232	29	of	of	ADP
ajfti-2325	232	30	fin	fin	NOUN
ajfti-2325	232	31	-	-	PUNCT
ajfti-2325	232	32	tech	tech	NOUN
ajfti-2325	232	33	(	(	PUNCT
ajfti-2325	232	34	as	as	ADP
ajfti-2325	232	35	instant	instant	ADJ
ajfti-2325	232	36	pay	pay	NOUN
ajfti-2325	232	37	transactions	transaction	NOUN
ajfti-2325	232	38	,	,	PUNCT
ajfti-2325	232	39	internet	internet	NOUN
ajfti-2325	232	40	(	(	PUNCT
ajfti-2325	232	41	web	web	NOUN
ajfti-2325	232	42	)	)	PUNCT
ajfti-2325	232	43	transactions	transaction	NOUN
ajfti-2325	232	44	,	,	PUNCT
ajfti-2325	232	45	mobile	mobile	ADJ
ajfti-2325	232	46	payment	payment	NOUN
ajfti-2325	232	47	transactions	transaction	NOUN
ajfti-2325	232	48	)	)	PUNCT
ajfti-2325	232	49	at	at	ADP
ajfti-2325	232	50	time	time	NOUN
ajfti-2325	232	51	t.	t.	PROPN
ajfti-2325	232	52	μ1	μ1	PROPN
ajfti-2325	232	53	=	=	PUNCT
ajfti-2325	232	54	the	the	DET
ajfti-2325	232	55	error	error	NOUN
ajfti-2325	232	56	term	term	NOUN
ajfti-2325	232	57	at	at	ADP
ajfti-2325	232	58	time	time	NOUN
ajfti-2325	232	59	t	t	PROPN
ajfti-2325	232	60	building	building	NOUN
ajfti-2325	232	61	equations	equation	NOUN
ajfti-2325	232	62	(	(	PUNCT
ajfti-2325	232	63	2	2	NUM
ajfti-2325	232	64	)	)	PUNCT
ajfti-2325	232	65	into	into	ADP
ajfti-2325	232	66	a	a	DET
ajfti-2325	232	67	fmols	fmol	NOUN
ajfti-2325	232	68	model	model	NOUN
ajfti-2325	232	69	,	,	PUNCT
ajfti-2325	232	70	we	we	PRON
ajfti-2325	232	71	have	have	VERB
ajfti-2325	232	72	:	:	PUNCT
ajfti-2325	232	73	(	(	PUNCT
ajfti-2325	232	74	3	3	X
ajfti-2325	232	75	)	)	PUNCT
ajfti-2325	232	76	pa	pa	PROPN
ajfti-2325	232	77	ge	ge	PROPN
ajfti-2325	232	78	41	41	NUM
ajfti-2325	232	79	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	NOUN
ajfti-2325	232	80	am	be	AUX
ajfti-2325	232	81	.	.	PUNCT
ajfti-2325	233	1	j.	j.	PROPN
ajfti-2325	233	2	financ	financ	PROPN
ajfti-2325	233	3	.	.	PUNCT
ajfti-2325	234	1	technol	technol	PROPN
ajfti-2325	234	2	.	.	PUNCT
ajfti-2325	234	3	innov	innov	PROPN
ajfti-2325	234	4	.	.	PUNCT
ajfti-2325	235	1	1(1	1(1	NUM
ajfti-2325	235	2	)	)	PUNCT
ajfti-2325	235	3	35	35	NUM
ajfti-2325	235	4	-	-	SYM
ajfti-2325	235	5	45	45	NUM
ajfti-2325	235	6	,	,	PUNCT
ajfti-2325	235	7	2023	2023	NUM
ajfti-2325	235	8	integrated	integrate	VERB
ajfti-2325	235	9	.	.	PUNCT
ajfti-2325	236	1	unlike	unlike	ADP
ajfti-2325	236	2	certain	certain	ADJ
ajfti-2325	236	3	econometric	econometric	ADJ
ajfti-2325	236	4	techniques	technique	NOUN
ajfti-2325	236	5	which	which	PRON
ajfti-2325	236	6	demand	demand	VERB
ajfti-2325	236	7	that	that	DET
ajfti-2325	236	8	time	time	NOUN
ajfti-2325	236	9	series	series	PROPN
ajfti-2325	236	10	variables	variable	NOUN
ajfti-2325	236	11	be	be	AUX
ajfti-2325	236	12	integrated	integrate	VERB
ajfti-2325	236	13	of	of	ADP
ajfti-2325	236	14	order	order	NOUN
ajfti-2325	236	15	one	one	NUM
ajfti-2325	236	16	,	,	PUNCT
ajfti-2325	236	17	or	or	CCONJ
ajfti-2325	236	18	i(1	i(1	NOUN
ajfti-2325	236	19	)	)	PUNCT
ajfti-2325	236	20	,	,	PUNCT
ajfti-2325	236	21	fmols	fmol	NOUN
ajfti-2325	236	22	allows	allow	VERB
ajfti-2325	236	23	for	for	ADP
ajfti-2325	236	24	rigorous	rigorous	ADJ
ajfti-2325	236	25	analysis	analysis	NOUN
ajfti-2325	236	26	without	without	ADP
ajfti-2325	236	27	pre	pre	ADJ
ajfti-2325	236	28	-	-	ADJ
ajfti-2325	236	29	existing	existing	ADJ
ajfti-2325	236	30	assumptions	assumption	NOUN
ajfti-2325	236	31	about	about	ADP
ajfti-2325	236	32	the	the	DET
ajfti-2325	236	33	integration	integration	NOUN
ajfti-2325	236	34	properties	property	NOUN
ajfti-2325	236	35	of	of	ADP
ajfti-2325	236	36	the	the	DET
ajfti-2325	236	37	series	series	NOUN
ajfti-2325	236	38	under	under	ADP
ajfti-2325	236	39	examination	examination	NOUN
ajfti-2325	236	40	.	.	PUNCT
ajfti-2325	237	1	this	this	DET
ajfti-2325	237	2	flexibility	flexibility	NOUN
ajfti-2325	237	3	positions	position	VERB
ajfti-2325	237	4	fmols	fmol	NOUN
ajfti-2325	237	5	as	as	ADP
ajfti-2325	237	6	a	a	DET
ajfti-2325	237	7	preferred	preferred	ADJ
ajfti-2325	237	8	choice	choice	NOUN
ajfti-2325	237	9	,	,	PUNCT
ajfti-2325	237	10	especially	especially	ADV
ajfti-2325	237	11	when	when	SCONJ
ajfti-2325	237	12	scrutinizing	scrutinize	VERB
ajfti-2325	237	13	relationships	relationship	NOUN
ajfti-2325	237	14	between	between	ADP
ajfti-2325	237	15	variables	variable	NOUN
ajfti-2325	237	16	like	like	ADP
ajfti-2325	237	17	instant	instant	ADJ
ajfti-2325	237	18	pay	pay	NOUN
ajfti-2325	237	19	transactions	transaction	NOUN
ajfti-2325	237	20	,	,	PUNCT
ajfti-2325	237	21	internet	internet	NOUN
ajfti-2325	237	22	(	(	PUNCT
ajfti-2325	237	23	web	web	NOUN
ajfti-2325	237	24	)	)	PUNCT
ajfti-2325	237	25	transactions	transaction	NOUN
ajfti-2325	237	26	,	,	PUNCT
ajfti-2325	237	27	mobile	mobile	ADJ
ajfti-2325	237	28	payment	payment	NOUN
ajfti-2325	237	29	transactions	transaction	NOUN
ajfti-2325	237	30	,	,	PUNCT
ajfti-2325	237	31	and	and	CCONJ
ajfti-2325	237	32	rgdp	rgdp	NOUN
ajfti-2325	237	33	in	in	ADP
ajfti-2325	237	34	a	a	DET
ajfti-2325	237	35	dynamic	dynamic	ADJ
ajfti-2325	237	36	economic	economic	ADJ
ajfti-2325	237	37	landscape	landscape	NOUN
ajfti-2325	237	38	like	like	ADP
ajfti-2325	237	39	nigeria	nigeria	PROPN
ajfti-2325	237	40	.	.	PUNCT
ajfti-2325	238	1	results	result	NOUN
ajfti-2325	238	2	and	and	CCONJ
ajfti-2325	238	3	discussions	discussion	NOUN
ajfti-2325	238	4	descriptive	descriptive	ADJ
ajfti-2325	238	5	statistics	statistic	NOUN
ajfti-2325	238	6	table	table	NOUN
ajfti-2325	238	7	1	1	NUM
ajfti-2325	238	8	presents	present	VERB
ajfti-2325	238	9	the	the	DET
ajfti-2325	238	10	descriptive	descriptive	ADJ
ajfti-2325	238	11	statistics	statistic	NOUN
ajfti-2325	238	12	for	for	ADP
ajfti-2325	238	13	the	the	DET
ajfti-2325	238	14	real	real	ADJ
ajfti-2325	238	15	gross	gross	ADJ
ajfti-2325	238	16	domestic	domestic	ADJ
ajfti-2325	238	17	product	product	NOUN
ajfti-2325	238	18	(	(	PUNCT
ajfti-2325	238	19	rgdp	rgdp	NOUN
ajfti-2325	238	20	)	)	PUNCT
ajfti-2325	238	21	and	and	CCONJ
ajfti-2325	238	22	three	three	NUM
ajfti-2325	238	23	types	type	NOUN
ajfti-2325	238	24	of	of	ADP
ajfti-2325	238	25	digital	digital	ADJ
ajfti-2325	238	26	financial	financial	ADJ
ajfti-2325	238	27	transactions	transaction	NOUN
ajfti-2325	238	28	:	:	PUNCT
ajfti-2325	238	29	value	value	NOUN
ajfti-2325	238	30	of	of	ADP
ajfti-2325	238	31	instant	instant	ADJ
ajfti-2325	238	32	pay	pay	NOUN
ajfti-2325	238	33	transactions	transaction	NOUN
ajfti-2325	238	34	(	(	PUNCT
ajfti-2325	238	35	ipt	ipt	PROPN
ajfti-2325	238	36	)	)	PUNCT
ajfti-2325	238	37	,	,	PUNCT
ajfti-2325	238	38	value	value	NOUN
ajfti-2325	238	39	of	of	ADP
ajfti-2325	238	40	internet	internet	NOUN
ajfti-2325	238	41	(	(	PUNCT
ajfti-2325	238	42	web	web	NOUN
ajfti-2325	238	43	)	)	PUNCT
ajfti-2325	238	44	transactions	transaction	NOUN
ajfti-2325	238	45	(	(	PUNCT
ajfti-2325	238	46	itr	itr	NOUN
ajfti-2325	238	47	)	)	PUNCT
ajfti-2325	238	48	,	,	PUNCT
ajfti-2325	238	49	and	and	CCONJ
ajfti-2325	238	50	value	value	NOUN
ajfti-2325	238	51	of	of	ADP
ajfti-2325	238	52	mobile	mobile	ADJ
ajfti-2325	238	53	payment	payment	NOUN
ajfti-2325	238	54	transactions	transaction	NOUN
ajfti-2325	238	55	(	(	PUNCT
ajfti-2325	238	56	mpt	mpt	PROPN
ajfti-2325	238	57	)	)	PUNCT
ajfti-2325	238	58	all	all	PRON
ajfti-2325	238	59	denominated	denominate	VERB
ajfti-2325	238	60	in	in	ADP
ajfti-2325	238	61	naira	naira	PROPN
ajfti-2325	238	62	billion	billion	NUM
ajfti-2325	238	63	.	.	PUNCT
ajfti-2325	239	1	equation	equation	NOUN
ajfti-2325	239	2	represents	represent	VERB
ajfti-2325	239	3	the	the	DET
ajfti-2325	239	4	long	long	ADV
ajfti-2325	239	5	-	-	PUNCT
ajfti-2325	239	6	run	run	NOUN
ajfti-2325	239	7	relationship	relationship	NOUN
ajfti-2325	239	8	between	between	ADP
ajfti-2325	239	9	rgdp	rgdp	NOUN
ajfti-2325	239	10	and	and	CCONJ
ajfti-2325	239	11	the	the	DET
ajfti-2325	239	12	selected	select	VERB
ajfti-2325	239	13	financial	financial	ADJ
ajfti-2325	239	14	technology	technology	NOUN
ajfti-2325	239	15	variables	variable	NOUN
ajfti-2325	239	16	using	use	VERB
ajfti-2325	239	17	the	the	DET
ajfti-2325	239	18	fmols	fmol	NOUN
ajfti-2325	239	19	methodology	methodology	NOUN
ajfti-2325	239	20	.	.	PUNCT
ajfti-2325	240	1	the	the	DET
ajfti-2325	240	2	coefficients	coefficient	NOUN
ajfti-2325	240	3	will	will	AUX
ajfti-2325	240	4	give	give	VERB
ajfti-2325	240	5	insights	insight	NOUN
ajfti-2325	240	6	into	into	ADP
ajfti-2325	240	7	how	how	SCONJ
ajfti-2325	240	8	each	each	PRON
ajfti-2325	240	9	of	of	ADP
ajfti-2325	240	10	the	the	DET
ajfti-2325	240	11	financial	financial	ADJ
ajfti-2325	240	12	technology	technology	NOUN
ajfti-2325	240	13	variables	variable	NOUN
ajfti-2325	240	14	impacts	impact	VERB
ajfti-2325	240	15	economic	economic	ADJ
ajfti-2325	240	16	growth	growth	NOUN
ajfti-2325	240	17	in	in	ADP
ajfti-2325	240	18	nigeria	nigeria	PROPN
ajfti-2325	240	19	.	.	PUNCT
ajfti-2325	241	1	the	the	DET
ajfti-2325	241	2	fmols	fmol	NOUN
ajfti-2325	241	3	methodology	methodology	NOUN
ajfti-2325	241	4	offers	offer	VERB
ajfti-2325	241	5	superior	superior	ADJ
ajfti-2325	241	6	robustness	robustness	NOUN
ajfti-2325	241	7	in	in	ADP
ajfti-2325	241	8	the	the	DET
ajfti-2325	241	9	face	face	NOUN
ajfti-2325	241	10	of	of	ADP
ajfti-2325	241	11	endogeneity	endogeneity	NOUN
ajfti-2325	241	12	,	,	PUNCT
ajfti-2325	241	13	negating	negate	VERB
ajfti-2325	241	14	the	the	DET
ajfti-2325	241	15	necessity	necessity	NOUN
ajfti-2325	241	16	for	for	ADP
ajfti-2325	241	17	instruments	instrument	NOUN
ajfti-2325	241	18	like	like	ADP
ajfti-2325	241	19	the	the	DET
ajfti-2325	241	20	2	2	NUM
ajfti-2325	241	21	-	-	PUNCT
ajfti-2325	241	22	stage	stage	NOUN
ajfti-2325	241	23	least	least	ADJ
ajfti-2325	241	24	squares	square	NOUN
ajfti-2325	241	25	or	or	CCONJ
ajfti-2325	241	26	instrumental	instrumental	ADJ
ajfti-2325	241	27	variable	variable	ADJ
ajfti-2325	241	28	approach	approach	NOUN
ajfti-2325	241	29	.	.	PUNCT
ajfti-2325	242	1	fmols	fmol	NOUN
ajfti-2325	242	2	corrects	correct	NOUN
ajfti-2325	242	3	for	for	ADP
ajfti-2325	242	4	potential	potential	ADJ
ajfti-2325	242	5	endogeneity	endogeneity	NOUN
ajfti-2325	242	6	stemming	stem	VERB
ajfti-2325	242	7	from	from	ADP
ajfti-2325	242	8	the	the	DET
ajfti-2325	242	9	feedback	feedback	NOUN
ajfti-2325	242	10	effects	effect	NOUN
ajfti-2325	242	11	among	among	ADP
ajfti-2325	242	12	the	the	DET
ajfti-2325	242	13	variables	variable	NOUN
ajfti-2325	242	14	,	,	PUNCT
ajfti-2325	242	15	ensuring	ensure	VERB
ajfti-2325	242	16	unbiased	unbiased	ADJ
ajfti-2325	242	17	long	long	ADJ
ajfti-2325	242	18	-	-	PUNCT
ajfti-2325	242	19	run	run	NOUN
ajfti-2325	242	20	estimates	estimate	NOUN
ajfti-2325	242	21	.	.	PUNCT
ajfti-2325	243	1	what	what	PRON
ajfti-2325	243	2	sets	set	VERB
ajfti-2325	243	3	the	the	DET
ajfti-2325	243	4	fmols	fmol	NOUN
ajfti-2325	243	5	apart	apart	ADV
ajfti-2325	243	6	is	be	AUX
ajfti-2325	243	7	its	its	PRON
ajfti-2325	243	8	technique	technique	NOUN
ajfti-2325	243	9	to	to	PART
ajfti-2325	243	10	account	account	VERB
ajfti-2325	243	11	for	for	ADP
ajfti-2325	243	12	the	the	DET
ajfti-2325	243	13	potential	potential	ADJ
ajfti-2325	243	14	endogeneity	endogeneity	NOUN
ajfti-2325	243	15	in	in	ADP
ajfti-2325	243	16	the	the	DET
ajfti-2325	243	17	independent	independent	ADJ
ajfti-2325	243	18	variables	variable	NOUN
ajfti-2325	243	19	and	and	CCONJ
ajfti-2325	243	20	serial	serial	ADJ
ajfti-2325	243	21	correlation	correlation	NOUN
ajfti-2325	243	22	in	in	ADP
ajfti-2325	243	23	the	the	DET
ajfti-2325	243	24	error	error	NOUN
ajfti-2325	243	25	terms	term	NOUN
ajfti-2325	243	26	.	.	PUNCT
ajfti-2325	244	1	this	this	DET
ajfti-2325	244	2	method	method	NOUN
ajfti-2325	244	3	provides	provide	VERB
ajfti-2325	244	4	adjustments	adjustment	NOUN
ajfti-2325	244	5	for	for	ADP
ajfti-2325	244	6	potential	potential	ADJ
ajfti-2325	244	7	biases	bias	NOUN
ajfti-2325	244	8	and	and	CCONJ
ajfti-2325	244	9	serial	serial	ADJ
ajfti-2325	244	10	correlation	correlation	NOUN
ajfti-2325	244	11	in	in	ADP
ajfti-2325	244	12	the	the	DET
ajfti-2325	244	13	error	error	NOUN
ajfti-2325	244	14	terms	term	NOUN
ajfti-2325	244	15	that	that	PRON
ajfti-2325	244	16	often	often	ADV
ajfti-2325	244	17	plague	plague	VERB
ajfti-2325	244	18	ols	ol	NOUN
ajfti-2325	244	19	in	in	ADP
ajfti-2325	244	20	non	non	ADJ
ajfti-2325	244	21	-	-	ADJ
ajfti-2325	244	22	stationary	stationary	ADJ
ajfti-2325	244	23	contexts	contexts	NOUN
ajfti-2325	244	24	.	.	PUNCT
ajfti-2325	245	1	fmols	fmol	NOUN
ajfti-2325	245	2	can	can	AUX
ajfti-2325	245	3	be	be	AUX
ajfti-2325	245	4	applied	apply	VERB
ajfti-2325	245	5	irrespective	irrespective	ADV
ajfti-2325	245	6	of	of	ADP
ajfti-2325	245	7	whether	whether	SCONJ
ajfti-2325	245	8	the	the	DET
ajfti-2325	245	9	variables	variable	NOUN
ajfti-2325	245	10	under	under	ADP
ajfti-2325	245	11	study	study	NOUN
ajfti-2325	245	12	are	be	AUX
ajfti-2325	245	13	integrated	integrate	VERB
ajfti-2325	245	14	of	of	ADP
ajfti-2325	245	15	order	order	NOUN
ajfti-2325	245	16	one	one	NUM
ajfti-2325	245	17	,	,	PUNCT
ajfti-2325	245	18	i(1	i(1	PROPN
ajfti-2325	245	19	)	)	PUNCT
ajfti-2325	245	20	,	,	PUNCT
ajfti-2325	245	21	mixed	mixed	ADJ
ajfti-2325	245	22	,	,	PUNCT
ajfti-2325	245	23	or	or	CCONJ
ajfti-2325	245	24	even	even	ADV
ajfti-2325	245	25	fractionally	fractionally	ADV
ajfti-2325	245	26	table	table	NOUN
ajfti-2325	245	27	1	1	NUM
ajfti-2325	245	28	:	:	PUNCT
ajfti-2325	245	29	descriptive	descriptive	ADJ
ajfti-2325	245	30	statistics	statistics	PROPN
ajfti-2325	245	31	rgdp	rgdp	PROPN
ajfti-2325	245	32	ipt	ipt	PROPN
ajfti-2325	245	33	itr	itr	PROPN
ajfti-2325	245	34	mpt	mpt	PROPN
ajfti-2325	245	35	mean	mean	VERB
ajfti-2325	245	36	2.386039	2.386039	NUM
ajfti-2325	245	37	17792.59	17792.59	NUM
ajfti-2325	245	38	83.45523	83.45523	NUM
ajfti-2325	245	39	837.7586	837.7586	NUM
ajfti-2325	245	40	std	std	NOUN
ajfti-2325	245	41	.	.	PUNCT
ajfti-2325	246	1	dev	dev	PROPN
ajfti-2325	246	2	.	.	PUNCT
ajfti-2325	247	1	2.194305	2.194305	NUM
ajfti-2325	247	2	13993.28	13993.28	NUM
ajfti-2325	247	3	73.83482	73.83482	NUM
ajfti-2325	247	4	952.7098	952.7098	NUM
ajfti-2325	247	5	skewness	skewness	NOUN
ajfti-2325	247	6	-0.04536	-0.04536	NOUN
ajfti-2325	247	7	0.378421	0.378421	NUM
ajfti-2325	247	8	0.501017	0.501017	NUM
ajfti-2325	247	9	0.762613	0.762613	NUM
ajfti-2325	247	10	kurtosis	kurtosis	VERB
ajfti-2325	247	11	2.151877	2.151877	NUM
ajfti-2325	247	12	1.638418	1.638418	NUM
ajfti-2325	247	13	1.587568	1.587568	NUM
ajfti-2325	247	14	1.868649	1.868649	NUM
ajfti-2325	247	15	jarque	jarque	NOUN
ajfti-2325	247	16	-	-	PUNCT
ajfti-2325	247	17	bera	bera	NOUN
ajfti-2325	247	18	1.333829	1.333829	NUM
ajfti-2325	247	19	4.448979	4.448979	NUM
ajfti-2325	247	20	5.498229	5.498229	NUM
ajfti-2325	247	21	6.611496	6.611496	NUM
ajfti-2325	247	22	probability	probability	NOUN
ajfti-2325	247	23	0.513290	0.513290	NUM
ajfti-2325	247	24	0.108123	0.108123	NUM
ajfti-2325	247	25	0.063984	0.063984	NUM
ajfti-2325	247	26	0.036672	0.036672	NUM
ajfti-2325	247	27	observations	observation	NOUN
ajfti-2325	247	28	44	44	NUM
ajfti-2325	247	29	44	44	NUM
ajfti-2325	247	30	44	44	NUM
ajfti-2325	247	31	44	44	NUM
ajfti-2325	247	32	source	source	NOUN
ajfti-2325	247	33	:	:	PUNCT
ajfti-2325	247	34	authors	author	NOUN
ajfti-2325	247	35	computation	computation	VERB
ajfti-2325	247	36	,	,	PUNCT
ajfti-2325	247	37	2023	2023	NUM
ajfti-2325	247	38	(	(	PUNCT
ajfti-2325	247	39	eviews-12	eviews-12	PROPN
ajfti-2325	247	40	)	)	PUNCT
ajfti-2325	247	41	the	the	DET
ajfti-2325	247	42	average	average	ADJ
ajfti-2325	247	43	rgdp	rgdp	NOUN
ajfti-2325	247	44	growth	growth	NOUN
ajfti-2325	247	45	rate	rate	NOUN
ajfti-2325	247	46	over	over	ADP
ajfti-2325	247	47	the	the	DET
ajfti-2325	247	48	period	period	NOUN
ajfti-2325	247	49	studied	study	VERB
ajfti-2325	247	50	is	be	AUX
ajfti-2325	247	51	2.386039	2.386039	NUM
ajfti-2325	247	52	%	%	NOUN
ajfti-2325	247	53	,	,	PUNCT
ajfti-2325	247	54	indicating	indicate	VERB
ajfti-2325	247	55	the	the	DET
ajfti-2325	247	56	general	general	ADJ
ajfti-2325	247	57	pace	pace	NOUN
ajfti-2325	247	58	of	of	ADP
ajfti-2325	247	59	economic	economic	ADJ
ajfti-2325	247	60	growth	growth	NOUN
ajfti-2325	247	61	.	.	PUNCT
ajfti-2325	248	1	meanwhile	meanwhile	ADV
ajfti-2325	248	2	,	,	PUNCT
ajfti-2325	248	3	the	the	DET
ajfti-2325	248	4	digital	digital	ADJ
ajfti-2325	248	5	transactions	transaction	NOUN
ajfti-2325	248	6	show	show	VERB
ajfti-2325	248	7	a	a	DET
ajfti-2325	248	8	considerably	considerably	ADV
ajfti-2325	248	9	large	large	ADJ
ajfti-2325	248	10	volume	volume	NOUN
ajfti-2325	248	11	,	,	PUNCT
ajfti-2325	248	12	with	with	ADP
ajfti-2325	248	13	ipt	ipt	NOUN
ajfti-2325	248	14	transactions	transaction	NOUN
ajfti-2325	248	15	leading	lead	VERB
ajfti-2325	248	16	the	the	DET
ajfti-2325	248	17	way	way	NOUN
ajfti-2325	248	18	with	with	ADP
ajfti-2325	248	19	an	an	DET
ajfti-2325	248	20	average	average	ADJ
ajfti-2325	248	21	value	value	NOUN
ajfti-2325	248	22	of	of	ADP
ajfti-2325	248	23	17,792.59	17,792.59	NUM
ajfti-2325	248	24	billion	billion	NUM
ajfti-2325	248	25	naira	naira	NOUN
ajfti-2325	248	26	.	.	PUNCT
ajfti-2325	249	1	this	this	PRON
ajfti-2325	249	2	is	be	AUX
ajfti-2325	249	3	followed	follow	VERB
ajfti-2325	249	4	by	by	ADP
ajfti-2325	249	5	mpt	mpt	NOUN
ajfti-2325	249	6	and	and	CCONJ
ajfti-2325	249	7	itr	itr	NOUN
ajfti-2325	249	8	,	,	PUNCT
ajfti-2325	249	9	with	with	ADP
ajfti-2325	249	10	average	average	ADJ
ajfti-2325	249	11	values	value	NOUN
ajfti-2325	249	12	of	of	ADP
ajfti-2325	249	13	837.7586	837.7586	NUM
ajfti-2325	249	14	billion	billion	NUM
ajfti-2325	249	15	naira	naira	NUM
ajfti-2325	249	16	and	and	CCONJ
ajfti-2325	249	17	83.45523	83.45523	NUM
ajfti-2325	249	18	billion	billion	NUM
ajfti-2325	249	19	naira	naira	NOUN
ajfti-2325	249	20	,	,	PUNCT
ajfti-2325	249	21	respectively	respectively	ADV
ajfti-2325	249	22	.	.	PUNCT
ajfti-2325	250	1	the	the	DET
ajfti-2325	250	2	standard	standard	ADJ
ajfti-2325	250	3	deviations	deviation	NOUN
ajfti-2325	250	4	for	for	ADP
ajfti-2325	250	5	these	these	DET
ajfti-2325	250	6	variables	variable	NOUN
ajfti-2325	250	7	provide	provide	VERB
ajfti-2325	250	8	insights	insight	NOUN
ajfti-2325	250	9	into	into	ADP
ajfti-2325	250	10	their	their	PRON
ajfti-2325	250	11	spread	spread	NOUN
ajfti-2325	250	12	around	around	ADP
ajfti-2325	250	13	the	the	DET
ajfti-2325	250	14	mean	mean	NOUN
ajfti-2325	250	15	.	.	PUNCT
ajfti-2325	251	1	the	the	DET
ajfti-2325	251	2	rgdp	rgdp	NOUN
ajfti-2325	251	3	has	have	VERB
ajfti-2325	251	4	a	a	DET
ajfti-2325	251	5	relatively	relatively	ADV
ajfti-2325	251	6	low	low	ADJ
ajfti-2325	251	7	spread	spread	NOUN
ajfti-2325	251	8	with	with	ADP
ajfti-2325	251	9	a	a	DET
ajfti-2325	251	10	standard	standard	ADJ
ajfti-2325	251	11	deviation	deviation	NOUN
ajfti-2325	251	12	of	of	ADP
ajfti-2325	251	13	2.194305	2.194305	NUM
ajfti-2325	251	14	%	%	NOUN
ajfti-2325	251	15	,	,	PUNCT
ajfti-2325	251	16	indicating	indicate	VERB
ajfti-2325	251	17	stable	stable	ADJ
ajfti-2325	251	18	economic	economic	ADJ
ajfti-2325	251	19	growth	growth	NOUN
ajfti-2325	251	20	.	.	PUNCT
ajfti-2325	252	1	ipt	ipt	PROPN
ajfti-2325	252	2	has	have	VERB
ajfti-2325	252	3	the	the	DET
ajfti-2325	252	4	highest	high	ADJ
ajfti-2325	252	5	variability	variability	NOUN
ajfti-2325	252	6	,	,	PUNCT
ajfti-2325	252	7	as	as	SCONJ
ajfti-2325	252	8	indicated	indicate	VERB
ajfti-2325	252	9	by	by	ADP
ajfti-2325	252	10	its	its	PRON
ajfti-2325	252	11	standard	standard	ADJ
ajfti-2325	252	12	deviation	deviation	NOUN
ajfti-2325	252	13	of	of	ADP
ajfti-2325	252	14	13,993.28	13,993.28	NUM
ajfti-2325	252	15	billion	billion	NUM
ajfti-2325	252	16	naira	naira	NOUN
ajfti-2325	252	17	,	,	PUNCT
ajfti-2325	252	18	hinting	hint	VERB
ajfti-2325	252	19	at	at	ADP
ajfti-2325	252	20	significant	significant	ADJ
ajfti-2325	252	21	fluctuations	fluctuation	NOUN
ajfti-2325	252	22	in	in	ADP
ajfti-2325	252	23	the	the	DET
ajfti-2325	252	24	value	value	NOUN
ajfti-2325	252	25	of	of	ADP
ajfti-2325	252	26	instant	instant	ADJ
ajfti-2325	252	27	transactions	transaction	NOUN
ajfti-2325	252	28	.	.	PUNCT
ajfti-2325	253	1	this	this	DET
ajfti-2325	253	2	high	high	ADJ
ajfti-2325	253	3	variability	variability	NOUN
ajfti-2325	253	4	can	can	AUX
ajfti-2325	253	5	also	also	ADV
ajfti-2325	253	6	be	be	AUX
ajfti-2325	253	7	seen	see	VERB
ajfti-2325	253	8	in	in	ADP
ajfti-2325	253	9	mpt	mpt	NOUN
ajfti-2325	253	10	and	and	CCONJ
ajfti-2325	253	11	itr	itr	NOUN
ajfti-2325	253	12	,	,	PUNCT
ajfti-2325	253	13	which	which	PRON
ajfti-2325	253	14	have	have	VERB
ajfti-2325	253	15	standard	standard	ADJ
ajfti-2325	253	16	deviations	deviation	NOUN
ajfti-2325	253	17	of	of	ADP
ajfti-2325	253	18	952.7098	952.7098	NUM
ajfti-2325	253	19	billion	billion	NUM
ajfti-2325	253	20	naira	naira	NUM
ajfti-2325	253	21	and	and	CCONJ
ajfti-2325	253	22	73.83482	73.83482	NUM
ajfti-2325	253	23	billion	billion	NUM
ajfti-2325	253	24	naira	naira	NOUN
ajfti-2325	253	25	,	,	PUNCT
ajfti-2325	253	26	respectively	respectively	ADV
ajfti-2325	253	27	.	.	PUNCT
ajfti-2325	254	1	skewness	skewness	PROPN
ajfti-2325	254	2	gives	give	VERB
ajfti-2325	254	3	a	a	DET
ajfti-2325	254	4	sense	sense	NOUN
ajfti-2325	254	5	of	of	ADP
ajfti-2325	254	6	the	the	DET
ajfti-2325	254	7	direction	direction	NOUN
ajfti-2325	254	8	and	and	CCONJ
ajfti-2325	254	9	degree	degree	NOUN
ajfti-2325	254	10	of	of	ADP
ajfti-2325	254	11	asymmetry	asymmetry	NOUN
ajfti-2325	254	12	of	of	ADP
ajfti-2325	254	13	the	the	DET
ajfti-2325	254	14	distribution	distribution	NOUN
ajfti-2325	254	15	.	.	PUNCT
ajfti-2325	255	1	the	the	DET
ajfti-2325	255	2	rgdp	rgdp	NOUN
ajfti-2325	255	3	distribution	distribution	NOUN
ajfti-2325	255	4	is	be	AUX
ajfti-2325	255	5	almost	almost	ADV
ajfti-2325	255	6	symmetrical	symmetrical	ADJ
ajfti-2325	255	7	with	with	ADP
ajfti-2325	255	8	a	a	DET
ajfti-2325	255	9	skewness	skewness	NOUN
ajfti-2325	255	10	close	close	ADJ
ajfti-2325	255	11	to	to	ADP
ajfti-2325	255	12	zero	zero	NUM
ajfti-2325	255	13	.	.	PUNCT
ajfti-2325	256	1	in	in	ADP
ajfti-2325	256	2	contrast	contrast	NOUN
ajfti-2325	256	3	,	,	PUNCT
ajfti-2325	256	4	all	all	DET
ajfti-2325	256	5	digital	digital	ADJ
ajfti-2325	256	6	transaction	transaction	NOUN
ajfti-2325	256	7	variables	variable	NOUN
ajfti-2325	256	8	are	be	AUX
ajfti-2325	256	9	positively	positively	ADV
ajfti-2325	256	10	skewed	skewed	ADJ
ajfti-2325	256	11	,	,	PUNCT
ajfti-2325	256	12	with	with	ADP
ajfti-2325	256	13	mpt	mpt	PROPN
ajfti-2325	256	14	having	have	VERB
ajfti-2325	256	15	the	the	DET
ajfti-2325	256	16	highest	high	ADJ
ajfti-2325	256	17	skewness	skewness	NOUN
ajfti-2325	256	18	,	,	PUNCT
ajfti-2325	256	19	suggesting	suggest	VERB
ajfti-2325	256	20	that	that	SCONJ
ajfti-2325	256	21	there	there	PRON
ajfti-2325	256	22	are	be	VERB
ajfti-2325	256	23	a	a	DET
ajfti-2325	256	24	few	few	ADJ
ajfti-2325	256	25	periods	period	NOUN
ajfti-2325	256	26	with	with	ADP
ajfti-2325	256	27	exceptionally	exceptionally	ADV
ajfti-2325	256	28	high	high	ADJ
ajfti-2325	256	29	values	value	NOUN
ajfti-2325	256	30	of	of	ADP
ajfti-2325	256	31	mobile	mobile	ADJ
ajfti-2325	256	32	transactions	transaction	NOUN
ajfti-2325	256	33	.	.	PUNCT
ajfti-2325	257	1	kurtosis	kurtosis	VERB
ajfti-2325	257	2	measures	measure	NOUN
ajfti-2325	257	3	the	the	DET
ajfti-2325	257	4	“	"	PUNCT
ajfti-2325	257	5	tailedness	tailedness	NOUN
ajfti-2325	257	6	”	"	PUNCT
ajfti-2325	257	7	of	of	ADP
ajfti-2325	257	8	the	the	DET
ajfti-2325	257	9	distribution	distribution	NOUN
ajfti-2325	257	10	.	.	PUNCT
ajfti-2325	258	1	all	all	DET
ajfti-2325	258	2	variables	variable	NOUN
ajfti-2325	258	3	,	,	PUNCT
ajfti-2325	258	4	except	except	SCONJ
ajfti-2325	258	5	rgdp	rgdp	NOUN
ajfti-2325	258	6	,	,	PUNCT
ajfti-2325	258	7	have	have	AUX
ajfti-2325	258	8	kurtosis	kurtosis	VERB
ajfti-2325	258	9	values	value	NOUN
ajfti-2325	258	10	less	less	ADJ
ajfti-2325	258	11	than	than	ADP
ajfti-2325	258	12	3	3	NUM
ajfti-2325	258	13	,	,	PUNCT
ajfti-2325	258	14	suggesting	suggest	VERB
ajfti-2325	258	15	a	a	DET
ajfti-2325	258	16	distribution	distribution	NOUN
ajfti-2325	258	17	with	with	ADP
ajfti-2325	258	18	lighter	light	ADJ
ajfti-2325	258	19	tails	tail	NOUN
ajfti-2325	258	20	compared	compare	VERB
ajfti-2325	258	21	to	to	ADP
ajfti-2325	258	22	a	a	DET
ajfti-2325	258	23	normal	normal	ADJ
ajfti-2325	258	24	distribution	distribution	NOUN
ajfti-2325	258	25	.	.	PUNCT
ajfti-2325	259	1	finally	finally	ADV
ajfti-2325	259	2	,	,	PUNCT
ajfti-2325	259	3	the	the	DET
ajfti-2325	259	4	jarque	jarque	NOUN
ajfti-2325	259	5	-	-	PUNCT
ajfti-2325	259	6	bera	bera	NOUN
ajfti-2325	259	7	statistic	statistic	NOUN
ajfti-2325	259	8	tests	test	VERB
ajfti-2325	259	9	the	the	DET
ajfti-2325	259	10	hypothesis	hypothesis	NOUN
ajfti-2325	259	11	that	that	PRON
ajfti-2325	259	12	the	the	DET
ajfti-2325	259	13	data	data	NOUN
ajfti-2325	259	14	is	be	AUX
ajfti-2325	259	15	normally	normally	ADV
ajfti-2325	259	16	distributed	distribute	VERB
ajfti-2325	259	17	.	.	PUNCT
ajfti-2325	260	1	for	for	ADP
ajfti-2325	260	2	rgdp	rgdp	NOUN
ajfti-2325	260	3	,	,	PUNCT
ajfti-2325	260	4	with	with	ADP
ajfti-2325	260	5	a	a	DET
ajfti-2325	260	6	value	value	NOUN
ajfti-2325	260	7	of	of	ADP
ajfti-2325	260	8	1.333829	1.333829	NUM
ajfti-2325	260	9	and	and	CCONJ
ajfti-2325	260	10	a	a	DET
ajfti-2325	260	11	probability	probability	NOUN
ajfti-2325	260	12	of	of	ADP
ajfti-2325	260	13	0.513290	0.513290	NUM
ajfti-2325	260	14	,	,	PUNCT
ajfti-2325	260	15	we	we	PRON
ajfti-2325	260	16	fail	fail	VERB
ajfti-2325	260	17	to	to	PART
ajfti-2325	260	18	reject	reject	VERB
ajfti-2325	260	19	the	the	DET
ajfti-2325	260	20	null	null	ADJ
ajfti-2325	260	21	hypothesis	hypothesis	NOUN
ajfti-2325	260	22	,	,	PUNCT
ajfti-2325	260	23	suggesting	suggest	VERB
ajfti-2325	260	24	that	that	SCONJ
ajfti-2325	260	25	rgdp	rgdp	NOUN
ajfti-2325	260	26	is	be	AUX
ajfti-2325	260	27	normally	normally	ADV
ajfti-2325	260	28	distributed	distribute	VERB
ajfti-2325	260	29	.	.	PUNCT
ajfti-2325	261	1	for	for	ADP
ajfti-2325	261	2	the	the	DET
ajfti-2325	261	3	financial	financial	ADJ
ajfti-2325	261	4	technology	technology	NOUN
ajfti-2325	261	5	variables	variable	NOUN
ajfti-2325	261	6	,	,	PUNCT
ajfti-2325	261	7	ipt	ipt	PROPN
ajfti-2325	261	8	and	and	CCONJ
ajfti-2325	261	9	itr	itr	NOUN
ajfti-2325	261	10	have	have	VERB
ajfti-2325	261	11	p	p	NOUN
ajfti-2325	261	12	-	-	PUNCT
ajfti-2325	261	13	values	value	NOUN
ajfti-2325	261	14	above	above	ADP
ajfti-2325	261	15	0.05	0.05	NUM
ajfti-2325	261	16	(	(	PUNCT
ajfti-2325	261	17	0.108123	0.108123	NUM
ajfti-2325	261	18	and	and	CCONJ
ajfti-2325	261	19	0.063984	0.063984	NUM
ajfti-2325	261	20	,	,	PUNCT
ajfti-2325	261	21	respectively	respectively	ADV
ajfti-2325	261	22	)	)	PUNCT
ajfti-2325	261	23	,	,	PUNCT
ajfti-2325	261	24	suggesting	suggest	VERB
ajfti-2325	261	25	that	that	SCONJ
ajfti-2325	261	26	these	these	DET
ajfti-2325	261	27	distributions	distribution	NOUN
ajfti-2325	261	28	do	do	AUX
ajfti-2325	261	29	not	not	PART
ajfti-2325	261	30	significantly	significantly	ADV
ajfti-2325	261	31	deviate	deviate	VERB
ajfti-2325	261	32	from	from	ADP
ajfti-2325	261	33	normality	normality	NOUN
ajfti-2325	261	34	.	.	PUNCT
ajfti-2325	262	1	however	however	ADV
ajfti-2325	262	2	,	,	PUNCT
ajfti-2325	262	3	mpt	mpt	PROPN
ajfti-2325	262	4	,	,	PUNCT
ajfti-2325	262	5	with	with	ADP
ajfti-2325	262	6	a	a	DET
ajfti-2325	262	7	jarque	jarque	NOUN
ajfti-2325	262	8	-	-	PUNCT
ajfti-2325	262	9	bera	bera	NOUN
ajfti-2325	262	10	statistic	statistic	NOUN
ajfti-2325	262	11	of	of	ADP
ajfti-2325	262	12	6.611496	6.611496	NUM
ajfti-2325	262	13	and	and	CCONJ
ajfti-2325	262	14	a	a	DET
ajfti-2325	262	15	probability	probability	NOUN
ajfti-2325	262	16	of	of	ADP
ajfti-2325	262	17	0.036672	0.036672	NUM
ajfti-2325	262	18	,	,	PUNCT
ajfti-2325	262	19	indicates	indicate	VERB
ajfti-2325	262	20	a	a	DET
ajfti-2325	262	21	potential	potential	ADJ
ajfti-2325	262	22	deviation	deviation	NOUN
ajfti-2325	262	23	from	from	ADP
ajfti-2325	262	24	a	a	DET
ajfti-2325	262	25	normal	normal	ADJ
ajfti-2325	262	26	distribution	distribution	NOUN
ajfti-2325	262	27	.	.	PUNCT
ajfti-2325	263	1	unit	unit	NOUN
ajfti-2325	263	2	root	root	PROPN
ajfti-2325	263	3	test	test	PROPN
ajfti-2325	263	4	time	time	PROPN
ajfti-2325	263	5	series	series	PROPN
ajfti-2325	263	6	data	datum	NOUN
ajfti-2325	263	7	often	often	ADV
ajfti-2325	263	8	exhibit	exhibit	VERB
ajfti-2325	263	9	tendencies	tendency	NOUN
ajfti-2325	263	10	that	that	PRON
ajfti-2325	263	11	can	can	AUX
ajfti-2325	263	12	be	be	AUX
ajfti-2325	263	13	addressed	address	VERB
ajfti-2325	263	14	through	through	ADP
ajfti-2325	263	15	differencing	differencing	NOUN
ajfti-2325	263	16	,	,	PUNCT
ajfti-2325	263	17	primarily	primarily	ADV
ajfti-2325	263	18	to	to	PART
ajfti-2325	263	19	ascertain	ascertain	VERB
ajfti-2325	263	20	the	the	DET
ajfti-2325	263	21	stationarity	stationarity	NOUN
ajfti-2325	263	22	of	of	ADP
ajfti-2325	263	23	the	the	DET
ajfti-2325	263	24	data	datum	NOUN
ajfti-2325	263	25	.	.	PUNCT
ajfti-2325	264	1	the	the	DET
ajfti-2325	264	2	unit	unit	NOUN
ajfti-2325	264	3	root	root	PROPN
ajfti-2325	264	4	test	test	NOUN
ajfti-2325	264	5	,	,	PUNCT
ajfti-2325	264	6	therefore	therefore	ADV
ajfti-2325	264	7	,	,	PUNCT
ajfti-2325	264	8	checks	check	VERB
ajfti-2325	264	9	the	the	DET
ajfti-2325	264	10	stationarity	stationarity	NOUN
ajfti-2325	264	11	of	of	ADP
ajfti-2325	264	12	our	our	PRON
ajfti-2325	264	13	model	model	NOUN
ajfti-2325	264	14	’s	’s	PART
ajfti-2325	264	15	series	series	PROPN
ajfti-2325	264	16	data	data	PROPN
ajfti-2325	264	17	,	,	PUNCT
ajfti-2325	264	18	helping	help	VERB
ajfti-2325	264	19	to	to	PART
ajfti-2325	264	20	determine	determine	VERB
ajfti-2325	264	21	the	the	DET
ajfti-2325	264	22	authenticity	authenticity	NOUN
ajfti-2325	264	23	of	of	ADP
ajfti-2325	264	24	the	the	DET
ajfti-2325	264	25	relationship	relationship	NOUN
ajfti-2325	264	26	between	between	ADP
ajfti-2325	264	27	financial	financial	ADJ
ajfti-2325	264	28	technology	technology	NOUN
ajfti-2325	264	29	variables	variable	NOUN
ajfti-2325	264	30	and	and	CCONJ
ajfti-2325	264	31	the	the	DET
ajfti-2325	264	32	nigerian	nigerian	ADJ
ajfti-2325	264	33	economy	economy	NOUN
ajfti-2325	264	34	.	.	PUNCT
ajfti-2325	265	1	essentially	essentially	ADV
ajfti-2325	265	2	,	,	PUNCT
ajfti-2325	265	3	the	the	DET
ajfti-2325	265	4	null	null	ADJ
ajfti-2325	265	5	hypothesis	hypothesis	NOUN
ajfti-2325	265	6	presumes	presume	VERB
ajfti-2325	265	7	non	non	ADJ
ajfti-2325	265	8	-	-	NOUN
ajfti-2325	265	9	stationarity	stationarity	NOUN
ajfti-2325	265	10	in	in	ADP
ajfti-2325	265	11	the	the	DET
ajfti-2325	265	12	variables	variable	NOUN
ajfti-2325	265	13	.	.	PUNCT
ajfti-2325	266	1	a	a	DET
ajfti-2325	266	2	variable	variable	NOUN
ajfti-2325	266	3	is	be	AUX
ajfti-2325	266	4	regarded	regard	VERB
ajfti-2325	266	5	as	as	ADP
ajfti-2325	266	6	non	non	ADJ
ajfti-2325	266	7	-	-	ADJ
ajfti-2325	266	8	stationary	stationary	ADJ
ajfti-2325	266	9	if	if	SCONJ
ajfti-2325	266	10	pa	pa	PROPN
ajfti-2325	266	11	ge	ge	PROPN
ajfti-2325	266	12	42	42	NUM
ajfti-2325	266	13	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	NOUN
ajfti-2325	266	14	am	be	AUX
ajfti-2325	266	15	.	.	PUNCT
ajfti-2325	267	1	j.	j.	PROPN
ajfti-2325	267	2	financ	financ	PROPN
ajfti-2325	267	3	.	.	PUNCT
ajfti-2325	268	1	technol	technol	PROPN
ajfti-2325	268	2	.	.	PUNCT
ajfti-2325	268	3	innov	innov	PROPN
ajfti-2325	268	4	.	.	PUNCT
ajfti-2325	269	1	1(1	1(1	NUM
ajfti-2325	269	2	)	)	PUNCT
ajfti-2325	269	3	35	35	NUM
ajfti-2325	269	4	-	-	SYM
ajfti-2325	269	5	45	45	NUM
ajfti-2325	269	6	,	,	PUNCT
ajfti-2325	269	7	2023	2023	NUM
ajfti-2325	269	8	its	its	PRON
ajfti-2325	269	9	test	test	NOUN
ajfti-2325	269	10	statistic	statistic	NOUN
ajfti-2325	269	11	,	,	PUNCT
ajfti-2325	269	12	when	when	SCONJ
ajfti-2325	269	13	taken	take	VERB
ajfti-2325	269	14	in	in	ADP
ajfti-2325	269	15	absolute	absolute	ADJ
ajfti-2325	269	16	terms	term	NOUN
ajfti-2325	269	17	,	,	PUNCT
ajfti-2325	269	18	falls	fall	VERB
ajfti-2325	269	19	below	below	ADP
ajfti-2325	269	20	its	its	PRON
ajfti-2325	269	21	critical	critical	ADJ
ajfti-2325	269	22	value	value	NOUN
ajfti-2325	269	23	at	at	ADP
ajfti-2325	269	24	specific	specific	ADJ
ajfti-2325	269	25	significance	significance	NOUN
ajfti-2325	269	26	levels	level	NOUN
ajfti-2325	269	27	.	.	PUNCT
ajfti-2325	270	1	table	table	NOUN
ajfti-2325	270	2	2	2	NUM
ajfti-2325	270	3	thus	thus	ADV
ajfti-2325	270	4	presents	present	VERB
ajfti-2325	270	5	the	the	DET
ajfti-2325	270	6	results	result	NOUN
ajfti-2325	270	7	of	of	ADP
ajfti-2325	270	8	the	the	DET
ajfti-2325	270	9	augmented	augment	VERB
ajfti-2325	270	10	dickey	dickey	NOUN
ajfti-2325	270	11	-	-	PUNCT
ajfti-2325	270	12	fuller	full	ADJ
ajfti-2325	270	13	(	(	PUNCT
ajfti-2325	270	14	adf	adf	NOUN
ajfti-2325	270	15	)	)	PUNCT
ajfti-2325	270	16	unit	unit	NOUN
ajfti-2325	270	17	root	root	PROPN
ajfti-2325	270	18	test	test	NOUN
ajfti-2325	270	19	,	,	PUNCT
ajfti-2325	270	20	an	an	DET
ajfti-2325	270	21	essential	essential	ADJ
ajfti-2325	270	22	step	step	NOUN
ajfti-2325	270	23	in	in	ADP
ajfti-2325	270	24	time	time	NOUN
ajfti-2325	270	25	series	series	NOUN
ajfti-2325	270	26	analysis	analysis	NOUN
ajfti-2325	270	27	to	to	PART
ajfti-2325	270	28	determine	determine	VERB
ajfti-2325	270	29	the	the	DET
ajfti-2325	270	30	stationarity	stationarity	NOUN
ajfti-2325	270	31	of	of	ADP
ajfti-2325	270	32	the	the	DET
ajfti-2325	270	33	series	series	NOUN
ajfti-2325	270	34	.	.	PUNCT
ajfti-2325	271	1	stationarity	stationarity	NOUN
ajfti-2325	271	2	implies	imply	VERB
ajfti-2325	271	3	that	that	SCONJ
ajfti-2325	271	4	statistical	statistical	ADJ
ajfti-2325	271	5	properties	property	NOUN
ajfti-2325	271	6	,	,	PUNCT
ajfti-2325	271	7	such	such	ADJ
ajfti-2325	271	8	as	as	ADP
ajfti-2325	271	9	mean	mean	ADJ
ajfti-2325	271	10	and	and	CCONJ
ajfti-2325	271	11	variance	variance	NOUN
ajfti-2325	271	12	,	,	PUNCT
ajfti-2325	271	13	remain	remain	VERB
ajfti-2325	271	14	constant	constant	ADJ
ajfti-2325	271	15	over	over	ADP
ajfti-2325	271	16	time	time	NOUN
ajfti-2325	271	17	,	,	PUNCT
ajfti-2325	271	18	which	which	PRON
ajfti-2325	271	19	is	be	AUX
ajfti-2325	271	20	crucial	crucial	ADJ
ajfti-2325	271	21	for	for	ADP
ajfti-2325	271	22	modeling	modeling	NOUN
ajfti-2325	271	23	and	and	CCONJ
ajfti-2325	271	24	forecasting	forecasting	NOUN
ajfti-2325	271	25	.	.	PUNCT
ajfti-2325	272	1	table	table	NOUN
ajfti-2325	272	2	2	2	NUM
ajfti-2325	272	3	:	:	PUNCT
ajfti-2325	272	4	unit	unit	NOUN
ajfti-2325	272	5	root	root	PROPN
ajfti-2325	272	6	test	test	NOUN
ajfti-2325	272	7	result	result	VERB
ajfti-2325	272	8	variable	variable	ADJ
ajfti-2325	272	9	adf	adf	PROPN
ajfti-2325	272	10	test	test	NOUN
ajfti-2325	272	11	statistics	statistic	NOUN
ajfti-2325	273	1	adf	adf	PROPN
ajfti-2325	273	2	critical	critical	ADJ
ajfti-2325	273	3	value	value	NOUN
ajfti-2325	273	4	order	order	NOUN
ajfti-2325	273	5	of	of	ADP
ajfti-2325	273	6	integration	integration	NOUN
ajfti-2325	273	7	rgdp	rgdp	PROPN
ajfti-2325	273	8	-3.743706	-3.743706	PROPN
ajfti-2325	273	9	-3.520787	-3.520787	PROPN
ajfti-2325	274	1	*	*	PUNCT
ajfti-2325	274	2	*	*	PUNCT
ajfti-2325	274	3	i(1	i(1	PROPN
ajfti-2325	274	4	)	)	PUNCT
ajfti-2325	274	5	int	int	NOUN
ajfti-2325	274	6	-7.460580	-7.460580	NOUN
ajfti-2325	274	7	-4.198503	-4.198503	NOUN
ajfti-2325	274	8	*	*	PUNCT
ajfti-2325	274	9	i(1	i(1	PROPN
ajfti-2325	274	10	)	)	PUNCT
ajfti-2325	274	11	ipt	ipt	PROPN
ajfti-2325	274	12	-5.295919	-5.295919	PROPN
ajfti-2325	274	13	-4.192337	-4.192337	PROPN
ajfti-2325	274	14	*	*	PUNCT
ajfti-2325	274	15	i(1	i(1	PROPN
ajfti-2325	274	16	)	)	PUNCT
ajfti-2325	274	17	mpt	mpt	PROPN
ajfti-2325	274	18	-3.264371	-3.264371	PROPN
ajfti-2325	274	19	-3.192902	-3.192902	NOUN
ajfti-2325	274	20	*	*	PUNCT
ajfti-2325	274	21	*	*	PUNCT
ajfti-2325	274	22	*	*	PUNCT
ajfti-2325	274	23	i(1	i(1	NOUN
ajfti-2325	274	24	)	)	PUNCT
ajfti-2325	274	25	note	note	NOUN
ajfti-2325	274	26	:	:	PUNCT
ajfti-2325	274	27	*	*	PUNCT
ajfti-2325	274	28	,	,	PUNCT
ajfti-2325	274	29	*	*	PUNCT
ajfti-2325	274	30	*	*	PUNCT
ajfti-2325	274	31	,	,	PUNCT
ajfti-2325	274	32	*	*	PUNCT
ajfti-2325	274	33	*	*	PUNCT
ajfti-2325	274	34	*	*	PUNCT
ajfti-2325	274	35	significant	significant	ADJ
ajfti-2325	274	36	at	at	ADP
ajfti-2325	274	37	1	1	NUM
ajfti-2325	274	38	%	%	NOUN
ajfti-2325	274	39	,	,	PUNCT
ajfti-2325	274	40	5	5	NUM
ajfti-2325	274	41	%	%	NOUN
ajfti-2325	274	42	and	and	CCONJ
ajfti-2325	274	43	10	10	NUM
ajfti-2325	274	44	%	%	NOUN
ajfti-2325	274	45	source	source	NOUN
ajfti-2325	274	46	:	:	PUNCT
ajfti-2325	274	47	authors	author	NOUN
ajfti-2325	274	48	computation	computation	VERB
ajfti-2325	274	49	,	,	PUNCT
ajfti-2325	274	50	2023	2023	NUM
ajfti-2325	274	51	(	(	PUNCT
ajfti-2325	274	52	eviews-12	eviews-12	PROPN
ajfti-2325	274	53	)	)	PUNCT
ajfti-2325	274	54	for	for	ADP
ajfti-2325	274	55	the	the	DET
ajfti-2325	274	56	variable	variable	ADJ
ajfti-2325	274	57	rgdp	rgdp	NOUN
ajfti-2325	274	58	,	,	PUNCT
ajfti-2325	274	59	the	the	DET
ajfti-2325	274	60	adf	adf	PROPN
ajfti-2325	274	61	test	test	NOUN
ajfti-2325	274	62	statistic	statistic	NOUN
ajfti-2325	274	63	is	be	AUX
ajfti-2325	274	64	-3.743706	-3.743706	PROPN
ajfti-2325	274	65	,	,	PUNCT
ajfti-2325	274	66	which	which	PRON
ajfti-2325	274	67	is	be	AUX
ajfti-2325	274	68	more	more	ADV
ajfti-2325	274	69	negative	negative	ADJ
ajfti-2325	274	70	than	than	ADP
ajfti-2325	274	71	its	its	PRON
ajfti-2325	274	72	critical	critical	ADJ
ajfti-2325	274	73	value	value	NOUN
ajfti-2325	274	74	at	at	ADP
ajfti-2325	274	75	the	the	DET
ajfti-2325	274	76	5	5	NUM
ajfti-2325	274	77	%	%	NOUN
ajfti-2325	274	78	significance	significance	NOUN
ajfti-2325	274	79	level	level	NOUN
ajfti-2325	274	80	(	(	PUNCT
ajfti-2325	274	81	-3.520787	-3.520787	NOUN
ajfti-2325	274	82	*	*	PUNCT
ajfti-2325	274	83	*	*	PUNCT
ajfti-2325	274	84	)	)	PUNCT
ajfti-2325	274	85	.	.	PUNCT
ajfti-2325	275	1	this	this	PRON
ajfti-2325	275	2	suggests	suggest	VERB
ajfti-2325	275	3	that	that	SCONJ
ajfti-2325	275	4	rgdp	rgdp	NOUN
ajfti-2325	275	5	is	be	AUX
ajfti-2325	275	6	stationary	stationary	ADJ
ajfti-2325	275	7	after	after	ADP
ajfti-2325	275	8	first	first	ADJ
ajfti-2325	275	9	differencing	differencing	NOUN
ajfti-2325	275	10	,	,	PUNCT
ajfti-2325	275	11	hence	hence	ADV
ajfti-2325	275	12	it	it	PRON
ajfti-2325	275	13	is	be	AUX
ajfti-2325	275	14	integrated	integrate	VERB
ajfti-2325	275	15	of	of	ADP
ajfti-2325	275	16	order	order	NOUN
ajfti-2325	275	17	one	one	NUM
ajfti-2325	275	18	,	,	PUNCT
ajfti-2325	275	19	i(1	i(1	PROPN
ajfti-2325	275	20	)	)	PUNCT
ajfti-2325	275	21	.	.	PUNCT
ajfti-2325	276	1	similarly	similarly	ADV
ajfti-2325	276	2	,	,	PUNCT
ajfti-2325	276	3	the	the	DET
ajfti-2325	276	4	internet	internet	NOUN
ajfti-2325	276	5	transactions	transaction	NOUN
ajfti-2325	276	6	variable	variable	ADJ
ajfti-2325	276	7	(	(	PUNCT
ajfti-2325	276	8	int	int	NOUN
ajfti-2325	276	9	)	)	PUNCT
ajfti-2325	276	10	has	have	VERB
ajfti-2325	276	11	an	an	DET
ajfti-2325	276	12	adf	adf	PROPN
ajfti-2325	276	13	test	test	NOUN
ajfti-2325	276	14	statistic	statistic	NOUN
ajfti-2325	276	15	of	of	ADP
ajfti-2325	276	16	-7.460580	-7.460580	PROPN
ajfti-2325	276	17	.	.	PUNCT
ajfti-2325	277	1	this	this	DET
ajfti-2325	277	2	value	value	NOUN
ajfti-2325	277	3	is	be	AUX
ajfti-2325	277	4	far	far	ADV
ajfti-2325	277	5	more	more	ADV
ajfti-2325	277	6	negative	negative	ADJ
ajfti-2325	277	7	than	than	ADP
ajfti-2325	277	8	the	the	DET
ajfti-2325	277	9	critical	critical	ADJ
ajfti-2325	277	10	value	value	NOUN
ajfti-2325	277	11	at	at	ADP
ajfti-2325	277	12	the	the	DET
ajfti-2325	277	13	1	1	NUM
ajfti-2325	277	14	%	%	NOUN
ajfti-2325	277	15	significance	significance	NOUN
ajfti-2325	277	16	level	level	NOUN
ajfti-2325	277	17	(	(	PUNCT
ajfti-2325	277	18	-4.198503	-4.198503	NOUN
ajfti-2325	277	19	*	*	PUNCT
ajfti-2325	277	20	)	)	PUNCT
ajfti-2325	277	21	,	,	PUNCT
ajfti-2325	277	22	indicating	indicate	VERB
ajfti-2325	277	23	strong	strong	ADJ
ajfti-2325	277	24	evidence	evidence	NOUN
ajfti-2325	277	25	against	against	ADP
ajfti-2325	277	26	the	the	DET
ajfti-2325	277	27	presence	presence	NOUN
ajfti-2325	277	28	of	of	ADP
ajfti-2325	277	29	a	a	DET
ajfti-2325	277	30	unit	unit	NOUN
ajfti-2325	277	31	root	root	NOUN
ajfti-2325	277	32	.	.	PUNCT
ajfti-2325	278	1	therefore	therefore	ADV
ajfti-2325	278	2	,	,	PUNCT
ajfti-2325	278	3	int	int	NOUN
ajfti-2325	278	4	is	be	AUX
ajfti-2325	278	5	also	also	ADV
ajfti-2325	278	6	stationary	stationary	ADJ
ajfti-2325	278	7	at	at	ADP
ajfti-2325	278	8	first	first	ADJ
ajfti-2325	278	9	difference	difference	NOUN
ajfti-2325	278	10	,	,	PUNCT
ajfti-2325	278	11	i(1	i(1	PROPN
ajfti-2325	278	12	)	)	PUNCT
ajfti-2325	278	13	.	.	PUNCT
ajfti-2325	279	1	for	for	ADP
ajfti-2325	279	2	the	the	DET
ajfti-2325	279	3	instant	instant	ADJ
ajfti-2325	279	4	pay	pay	NOUN
ajfti-2325	279	5	transactions	transaction	NOUN
ajfti-2325	279	6	(	(	PUNCT
ajfti-2325	279	7	ipt	ipt	PROPN
ajfti-2325	279	8	)	)	PUNCT
ajfti-2325	279	9	,	,	PUNCT
ajfti-2325	279	10	the	the	DET
ajfti-2325	279	11	adf	adf	PROPN
ajfti-2325	279	12	test	test	NOUN
ajfti-2325	279	13	statistic	statistic	NOUN
ajfti-2325	279	14	is	be	AUX
ajfti-2325	279	15	-5.295919	-5.295919	PROPN
ajfti-2325	279	16	,	,	PUNCT
ajfti-2325	279	17	surpassing	surpass	VERB
ajfti-2325	279	18	the	the	DET
ajfti-2325	279	19	critical	critical	ADJ
ajfti-2325	279	20	value	value	NOUN
ajfti-2325	279	21	at	at	ADP
ajfti-2325	279	22	the	the	DET
ajfti-2325	279	23	1	1	NUM
ajfti-2325	279	24	%	%	NOUN
ajfti-2325	279	25	significance	significance	NOUN
ajfti-2325	279	26	level	level	NOUN
ajfti-2325	279	27	(	(	PUNCT
ajfti-2325	279	28	-4.192337	-4.192337	NOUN
ajfti-2325	279	29	*	*	NOUN
ajfti-2325	279	30	)	)	PUNCT
ajfti-2325	279	31	.	.	PUNCT
ajfti-2325	280	1	thus	thus	ADV
ajfti-2325	280	2	,	,	PUNCT
ajfti-2325	280	3	ipt	ipt	PROPN
ajfti-2325	280	4	is	be	AUX
ajfti-2325	280	5	stationary	stationary	ADJ
ajfti-2325	280	6	at	at	ADP
ajfti-2325	280	7	first	first	ADJ
ajfti-2325	280	8	difference	difference	NOUN
ajfti-2325	280	9	,	,	PUNCT
ajfti-2325	280	10	i(1	i(1	PROPN
ajfti-2325	280	11	)	)	PUNCT
ajfti-2325	280	12	.	.	PUNCT
ajfti-2325	281	1	lastly	lastly	ADV
ajfti-2325	281	2	,	,	PUNCT
ajfti-2325	281	3	the	the	DET
ajfti-2325	281	4	mobile	mobile	ADJ
ajfti-2325	281	5	payment	payment	NOUN
ajfti-2325	281	6	transactions	transaction	NOUN
ajfti-2325	281	7	(	(	PUNCT
ajfti-2325	281	8	mpt	mpt	PROPN
ajfti-2325	281	9	)	)	PUNCT
ajfti-2325	281	10	has	have	VERB
ajfti-2325	281	11	an	an	DET
ajfti-2325	281	12	adf	adf	NOUN
ajfti-2325	281	13	statistic	statistic	NOUN
ajfti-2325	281	14	of	of	ADP
ajfti-2325	281	15	-3.264371	-3.264371	PROPN
ajfti-2325	281	16	,	,	PUNCT
ajfti-2325	281	17	which	which	PRON
ajfti-2325	281	18	is	be	AUX
ajfti-2325	281	19	more	more	ADV
ajfti-2325	281	20	negative	negative	ADJ
ajfti-2325	281	21	than	than	ADP
ajfti-2325	281	22	its	its	PRON
ajfti-2325	281	23	critical	critical	ADJ
ajfti-2325	281	24	value	value	NOUN
ajfti-2325	281	25	at	at	ADP
ajfti-2325	281	26	the	the	DET
ajfti-2325	281	27	10	10	NUM
ajfti-2325	281	28	%	%	NOUN
ajfti-2325	281	29	significance	significance	NOUN
ajfti-2325	281	30	level	level	NOUN
ajfti-2325	281	31	(	(	PUNCT
ajfti-2325	281	32	-3.192902	-3.192902	VERB
ajfti-2325	281	33	*	*	PUNCT
ajfti-2325	281	34	*	*	PUNCT
ajfti-2325	281	35	*	*	PUNCT
ajfti-2325	281	36	)	)	PUNCT
ajfti-2325	281	37	.	.	PUNCT
ajfti-2325	282	1	this	this	PRON
ajfti-2325	282	2	indicates	indicate	VERB
ajfti-2325	282	3	that	that	SCONJ
ajfti-2325	282	4	mpt	mpt	NOUN
ajfti-2325	282	5	is	be	AUX
ajfti-2325	282	6	stationary	stationary	ADJ
ajfti-2325	282	7	after	after	ADP
ajfti-2325	282	8	first	first	ADV
ajfti-2325	282	9	differencing	differencing	NOUN
ajfti-2325	282	10	and	and	CCONJ
ajfti-2325	282	11	is	be	AUX
ajfti-2325	282	12	integrated	integrate	VERB
ajfti-2325	282	13	of	of	ADP
ajfti-2325	282	14	order	order	NOUN
ajfti-2325	282	15	one	one	NUM
ajfti-2325	282	16	,	,	PUNCT
ajfti-2325	282	17	i(1	i(1	PROPN
ajfti-2325	282	18	)	)	PUNCT
ajfti-2325	282	19	.	.	PUNCT
ajfti-2325	283	1	therefore	therefore	ADV
ajfti-2325	283	2	,	,	PUNCT
ajfti-2325	283	3	all	all	DET
ajfti-2325	283	4	variables	variable	NOUN
ajfti-2325	283	5	in	in	ADP
ajfti-2325	283	6	table	table	NOUN
ajfti-2325	283	7	2	2	NUM
ajfti-2325	283	8	rgdp	rgdp	NOUN
ajfti-2325	283	9	,	,	PUNCT
ajfti-2325	283	10	int	int	NOUN
ajfti-2325	283	11	,	,	PUNCT
ajfti-2325	283	12	ipt	ipt	PROPN
ajfti-2325	283	13	,	,	PUNCT
ajfti-2325	283	14	and	and	CCONJ
ajfti-2325	283	15	mpt	mpt	PROPN
ajfti-2325	283	16	are	be	AUX
ajfti-2325	283	17	integrated	integrate	VERB
ajfti-2325	283	18	of	of	ADP
ajfti-2325	283	19	order	order	NOUN
ajfti-2325	283	20	one	one	NUM
ajfti-2325	283	21	,	,	PUNCT
ajfti-2325	283	22	i(1	i(1	PROPN
ajfti-2325	283	23	)	)	PUNCT
ajfti-2325	283	24	,	,	PUNCT
ajfti-2325	283	25	suggesting	suggest	VERB
ajfti-2325	283	26	that	that	SCONJ
ajfti-2325	283	27	each	each	PRON
ajfti-2325	283	28	of	of	ADP
ajfti-2325	283	29	them	they	PRON
ajfti-2325	283	30	becomes	become	VERB
ajfti-2325	283	31	stationary	stationary	ADJ
ajfti-2325	283	32	after	after	ADP
ajfti-2325	283	33	taking	take	VERB
ajfti-2325	283	34	their	their	PRON
ajfti-2325	283	35	first	first	ADJ
ajfti-2325	283	36	differences	difference	NOUN
ajfti-2325	283	37	.	.	PUNCT
ajfti-2325	284	1	this	this	PRON
ajfti-2325	284	2	implies	imply	VERB
ajfti-2325	284	3	that	that	SCONJ
ajfti-2325	284	4	any	any	DET
ajfti-2325	284	5	modeling	modeling	NOUN
ajfti-2325	284	6	or	or	CCONJ
ajfti-2325	284	7	forecasting	forecasting	NOUN
ajfti-2325	284	8	involving	involve	VERB
ajfti-2325	284	9	these	these	DET
ajfti-2325	284	10	variables	variable	NOUN
ajfti-2325	284	11	will	will	AUX
ajfti-2325	284	12	require	require	VERB
ajfti-2325	284	13	addressing	address	VERB
ajfti-2325	284	14	this	this	DET
ajfti-2325	284	15	nonstationarity	nonstationarity	NOUN
ajfti-2325	284	16	,	,	PUNCT
ajfti-2325	284	17	typically	typically	ADV
ajfti-2325	284	18	through	through	ADP
ajfti-2325	284	19	techniques	technique	NOUN
ajfti-2325	284	20	like	like	ADP
ajfti-2325	284	21	differencing	differencing	NOUN
ajfti-2325	284	22	or	or	CCONJ
ajfti-2325	284	23	cointegration	cointegration	NOUN
ajfti-2325	284	24	.	.	PUNCT
ajfti-2325	285	1	cointegration	cointegration	NOUN
ajfti-2325	285	2	test	test	NOUN
ajfti-2325	285	3	building	building	NOUN
ajfti-2325	285	4	upon	upon	SCONJ
ajfti-2325	285	5	our	our	PRON
ajfti-2325	285	6	ongoing	ongoing	ADJ
ajfti-2325	285	7	discussion	discussion	NOUN
ajfti-2325	285	8	on	on	ADP
ajfti-2325	285	9	time	time	NOUN
ajfti-2325	285	10	series	series	NOUN
ajfti-2325	285	11	analysis	analysis	NOUN
ajfti-2325	285	12	and	and	CCONJ
ajfti-2325	285	13	the	the	DET
ajfti-2325	285	14	exploration	exploration	NOUN
ajfti-2325	285	15	of	of	ADP
ajfti-2325	285	16	relationships	relationship	NOUN
ajfti-2325	285	17	between	between	ADP
ajfti-2325	285	18	economic	economic	ADJ
ajfti-2325	285	19	and	and	CCONJ
ajfti-2325	285	20	financial	financial	ADJ
ajfti-2325	285	21	variables	variable	NOUN
ajfti-2325	285	22	,	,	PUNCT
ajfti-2325	285	23	the	the	DET
ajfti-2325	285	24	“	"	PUNCT
ajfti-2325	285	25	table	table	NOUN
ajfti-2325	285	26	3	3	NUM
ajfti-2325	285	27	”	"	PUNCT
ajfti-2325	285	28	unveils	unveil	VERB
ajfti-2325	285	29	an	an	DET
ajfti-2325	285	30	essential	essential	ADJ
ajfti-2325	285	31	aspect	aspect	NOUN
ajfti-2325	285	32	of	of	ADP
ajfti-2325	285	33	our	our	PRON
ajfti-2325	285	34	analysis	analysis	NOUN
ajfti-2325	285	35	:	:	PUNCT
ajfti-2325	285	36	the	the	DET
ajfti-2325	285	37	co	co	NOUN
ajfti-2325	285	38	-	-	NOUN
ajfti-2325	285	39	integration	integration	NOUN
ajfti-2325	285	40	of	of	ADP
ajfti-2325	285	41	series	series	NOUN
ajfti-2325	285	42	.	.	PUNCT
ajfti-2325	286	1	co	co	NOUN
ajfti-2325	286	2	-	-	NOUN
ajfti-2325	286	3	integration	integration	NOUN
ajfti-2325	286	4	ensures	ensure	VERB
ajfti-2325	286	5	that	that	SCONJ
ajfti-2325	286	6	even	even	ADV
ajfti-2325	286	7	if	if	SCONJ
ajfti-2325	286	8	the	the	DET
ajfti-2325	286	9	individual	individual	ADJ
ajfti-2325	286	10	series	series	NOUN
ajfti-2325	286	11	are	be	AUX
ajfti-2325	286	12	non	non	ADJ
ajfti-2325	286	13	-	-	ADJ
ajfti-2325	286	14	stationary	stationary	ADJ
ajfti-2325	286	15	,	,	PUNCT
ajfti-2325	286	16	their	their	PRON
ajfti-2325	286	17	linear	linear	ADJ
ajfti-2325	286	18	combinations	combination	NOUN
ajfti-2325	286	19	can	can	AUX
ajfti-2325	286	20	be	be	AUX
ajfti-2325	286	21	stationary	stationary	ADJ
ajfti-2325	286	22	,	,	PUNCT
ajfti-2325	286	23	suggesting	suggest	VERB
ajfti-2325	286	24	a	a	DET
ajfti-2325	286	25	stable	stable	ADJ
ajfti-2325	286	26	,	,	PUNCT
ajfti-2325	286	27	long	long	ADJ
ajfti-2325	286	28	-	-	PUNCT
ajfti-2325	286	29	term	term	NOUN
ajfti-2325	286	30	relationship	relationship	NOUN
ajfti-2325	286	31	among	among	ADP
ajfti-2325	286	32	them	they	PRON
ajfti-2325	286	33	.	.	PUNCT
ajfti-2325	287	1	table	table	NOUN
ajfti-2325	287	2	3	3	NUM
ajfti-2325	287	3	:	:	PUNCT
ajfti-2325	287	4	results	result	NOUN
ajfti-2325	287	5	of	of	ADP
ajfti-2325	287	6	engle	engle	PROPN
ajfti-2325	287	7	and	and	CCONJ
ajfti-2325	287	8	granger	granger	PROPN
ajfti-2325	287	9	(	(	PUNCT
ajfti-2325	287	10	residual	residual	ADJ
ajfti-2325	287	11	based	base	VERB
ajfti-2325	287	12	)	)	PUNCT
ajfti-2325	287	13	cointegration	cointegration	NOUN
ajfti-2325	287	14	test	test	NOUN
ajfti-2325	287	15	variable	variable	PROPN
ajfti-2325	287	16	adf	adf	PROPN
ajfti-2325	287	17	test	test	NOUN
ajfti-2325	287	18	statistic	statistic	NOUN
ajfti-2325	287	19	95	95	NUM
ajfti-2325	287	20	%	%	NOUN
ajfti-2325	287	21	critical	critical	ADJ
ajfti-2325	287	22	adf	adf	NOUN
ajfti-2325	287	23	value	value	NOUN
ajfti-2325	287	24	remarks	remark	VERB
ajfti-2325	287	25	residual	residual	ADJ
ajfti-2325	287	26	-2.785041	-2.785041	NOUN
ajfti-2325	287	27	-2.621185	-2.621185	X
ajfti-2325	287	28	*	*	PUNCT
ajfti-2325	287	29	co	co	VERB
ajfti-2325	287	30	-	-	ADJ
ajfti-2325	287	31	integrated	integrated	ADJ
ajfti-2325	287	32	note	note	NOUN
ajfti-2325	287	33	:	:	PUNCT
ajfti-2325	287	34	*	*	PUNCT
ajfti-2325	287	35	significant	significant	ADJ
ajfti-2325	287	36	at	at	ADP
ajfti-2325	287	37	1	1	NUM
ajfti-2325	287	38	%	%	NOUN
ajfti-2325	287	39	source	source	NOUN
ajfti-2325	287	40	:	:	PUNCT
ajfti-2325	287	41	authors	author	NOUN
ajfti-2325	287	42	computation	computation	VERB
ajfti-2325	287	43	,	,	PUNCT
ajfti-2325	287	44	2023	2023	NUM
ajfti-2325	287	45	(	(	PUNCT
ajfti-2325	287	46	eviews-12	eviews-12	PROPN
ajfti-2325	287	47	)	)	PUNCT
ajfti-2325	287	48	in	in	ADP
ajfti-2325	287	49	“	"	PUNCT
ajfti-2325	287	50	table	table	NOUN
ajfti-2325	287	51	3	3	NUM
ajfti-2325	287	52	:	:	PUNCT
ajfti-2325	287	53	results	result	NOUN
ajfti-2325	287	54	of	of	ADP
ajfti-2325	287	55	engle	engle	PROPN
ajfti-2325	287	56	and	and	CCONJ
ajfti-2325	287	57	granger	granger	PROPN
ajfti-2325	287	58	residual	residual	PROPN
ajfti-2325	287	59	based	base	VERB
ajfti-2325	287	60	cointegration	cointegration	NOUN
ajfti-2325	287	61	test	test	NOUN
ajfti-2325	287	62	”	"	PUNCT
ajfti-2325	287	63	,	,	PUNCT
ajfti-2325	287	64	the	the	DET
ajfti-2325	287	65	adf	adf	PROPN
ajfti-2325	287	66	test	test	NOUN
ajfti-2325	287	67	statistic	statistic	NOUN
ajfti-2325	287	68	for	for	ADP
ajfti-2325	287	69	the	the	DET
ajfti-2325	287	70	residuals	residual	NOUN
ajfti-2325	287	71	is	be	AUX
ajfti-2325	287	72	-2.785041	-2.785041	PROPN
ajfti-2325	287	73	,	,	PUNCT
ajfti-2325	287	74	which	which	PRON
ajfti-2325	287	75	exceeds	exceed	VERB
ajfti-2325	287	76	the	the	DET
ajfti-2325	287	77	critical	critical	ADJ
ajfti-2325	287	78	value	value	NOUN
ajfti-2325	287	79	at	at	ADP
ajfti-2325	287	80	the	the	DET
ajfti-2325	287	81	1	1	NUM
ajfti-2325	287	82	%	%	NOUN
ajfti-2325	287	83	significance	significance	NOUN
ajfti-2325	287	84	level	level	NOUN
ajfti-2325	287	85	of	of	ADP
ajfti-2325	287	86	-2.621185	-2.621185	NOUN
ajfti-2325	287	87	,	,	PUNCT
ajfti-2325	287	88	indicating	indicate	VERB
ajfti-2325	287	89	cointegration	cointegration	NOUN
ajfti-2325	287	90	.	.	PUNCT
ajfti-2325	288	1	this	this	PRON
ajfti-2325	288	2	is	be	AUX
ajfti-2325	288	3	of	of	ADP
ajfti-2325	288	4	paramount	paramount	ADJ
ajfti-2325	288	5	importance	importance	NOUN
ajfti-2325	288	6	,	,	PUNCT
ajfti-2325	288	7	as	as	SCONJ
ajfti-2325	288	8	it	it	PRON
ajfti-2325	288	9	signals	signal	VERB
ajfti-2325	288	10	a	a	DET
ajfti-2325	288	11	long	long	ADJ
ajfti-2325	288	12	-	-	PUNCT
ajfti-2325	288	13	term	term	NOUN
ajfti-2325	288	14	equilibrium	equilibrium	NOUN
ajfti-2325	288	15	relationship	relationship	NOUN
ajfti-2325	288	16	between	between	ADP
ajfti-2325	288	17	financial	financial	ADJ
ajfti-2325	288	18	technology	technology	NOUN
ajfti-2325	288	19	adoption	adoption	NOUN
ajfti-2325	288	20	or	or	CCONJ
ajfti-2325	288	21	advancements	advancement	NOUN
ajfti-2325	288	22	and	and	CCONJ
ajfti-2325	288	23	economic	economic	ADJ
ajfti-2325	288	24	growth	growth	NOUN
ajfti-2325	288	25	in	in	ADP
ajfti-2325	288	26	nigeria	nigeria	PROPN
ajfti-2325	288	27	.	.	PUNCT
ajfti-2325	289	1	fmols	fmol	NOUN
ajfti-2325	289	2	regression	regression	VERB
ajfti-2325	289	3	results	result	NOUN
ajfti-2325	289	4	and	and	CCONJ
ajfti-2325	289	5	test	test	NOUN
ajfti-2325	289	6	of	of	ADP
ajfti-2325	289	7	hypotheses	hypothesis	NOUN
ajfti-2325	289	8	building	build	VERB
ajfti-2325	289	9	upon	upon	SCONJ
ajfti-2325	289	10	our	our	PRON
ajfti-2325	289	11	discussion	discussion	NOUN
ajfti-2325	289	12	regarding	regard	VERB
ajfti-2325	289	13	the	the	DET
ajfti-2325	289	14	impact	impact	NOUN
ajfti-2325	289	15	of	of	ADP
ajfti-2325	289	16	financial	financial	ADJ
ajfti-2325	289	17	technology	technology	NOUN
ajfti-2325	289	18	on	on	ADP
ajfti-2325	289	19	economic	economic	ADJ
ajfti-2325	289	20	growth	growth	NOUN
ajfti-2325	289	21	in	in	ADP
ajfti-2325	289	22	nigeria	nigeria	PROPN
ajfti-2325	289	23	,	,	PUNCT
ajfti-2325	289	24	the	the	DET
ajfti-2325	289	25	“	"	PUNCT
ajfti-2325	289	26	table	table	NOUN
ajfti-2325	289	27	4	4	NUM
ajfti-2325	289	28	:	:	PUNCT
ajfti-2325	289	29	fully	fully	ADV
ajfti-2325	289	30	modified	modified	ADJ
ajfti-2325	289	31	least	least	ADJ
ajfti-2325	289	32	squares	square	NOUN
ajfti-2325	289	33	(	(	PUNCT
ajfti-2325	289	34	fmols	fmol	NOUN
ajfti-2325	289	35	)	)	PUNCT
ajfti-2325	289	36	result	result	NOUN
ajfti-2325	289	37	”	"	PUNCT
ajfti-2325	289	38	offers	offer	VERB
ajfti-2325	289	39	some	some	DET
ajfti-2325	289	40	interesting	interesting	ADJ
ajfti-2325	289	41	insights	insight	NOUN
ajfti-2325	289	42	into	into	ADP
ajfti-2325	289	43	the	the	DET
ajfti-2325	289	44	direct	direct	ADJ
ajfti-2325	289	45	influences	influence	NOUN
ajfti-2325	289	46	of	of	ADP
ajfti-2325	289	47	specific	specific	ADJ
ajfti-2325	289	48	financial	financial	ADJ
ajfti-2325	289	49	technology	technology	NOUN
ajfti-2325	289	50	facets	facet	NOUN
ajfti-2325	289	51	on	on	ADP
ajfti-2325	289	52	the	the	DET
ajfti-2325	289	53	country	country	NOUN
ajfti-2325	289	54	’s	’s	PART
ajfti-2325	289	55	economic	economic	ADJ
ajfti-2325	289	56	growth	growth	NOUN
ajfti-2325	289	57	,	,	PUNCT
ajfti-2325	289	58	as	as	SCONJ
ajfti-2325	289	59	measured	measure	VERB
ajfti-2325	289	60	by	by	ADP
ajfti-2325	289	61	rgdp	rgdp	NOUN
ajfti-2325	289	62	(	(	PUNCT
ajfti-2325	289	63	%	%	NOUN
ajfti-2325	289	64	)	)	PUNCT
ajfti-2325	289	65	.	.	PUNCT
ajfti-2325	290	1	starting	start	VERB
ajfti-2325	290	2	with	with	ADP
ajfti-2325	290	3	the	the	DET
ajfti-2325	290	4	value	value	NOUN
ajfti-2325	290	5	of	of	ADP
ajfti-2325	290	6	instant	instant	ADJ
ajfti-2325	290	7	pay	pay	NOUN
ajfti-2325	290	8	transactions	transaction	NOUN
ajfti-2325	290	9	(	(	PUNCT
ajfti-2325	290	10	log(ipt	log(ipt	NOUN
ajfti-2325	290	11	)	)	PUNCT
ajfti-2325	290	12	)	)	PUNCT
ajfti-2325	290	13	,	,	PUNCT
ajfti-2325	290	14	we	we	PRON
ajfti-2325	290	15	observe	observe	VERB
ajfti-2325	290	16	a	a	DET
ajfti-2325	290	17	coefficient	coefficient	NOUN
ajfti-2325	290	18	of	of	ADP
ajfti-2325	290	19	-5.6296	-5.6296	NOUN
ajfti-2325	290	20	,	,	PUNCT
ajfti-2325	290	21	which	which	PRON
ajfti-2325	290	22	is	be	AUX
ajfti-2325	290	23	statistically	statistically	ADV
ajfti-2325	290	24	significant	significant	ADJ
ajfti-2325	290	25	at	at	ADP
ajfti-2325	290	26	the	the	DET
ajfti-2325	290	27	0.0016	0.0016	NUM
ajfti-2325	290	28	level	level	NOUN
ajfti-2325	290	29	.	.	PUNCT
ajfti-2325	291	1	the	the	DET
ajfti-2325	291	2	negative	negative	ADJ
ajfti-2325	291	3	sign	sign	NOUN
ajfti-2325	291	4	indicates	indicate	VERB
ajfti-2325	291	5	an	an	DET
ajfti-2325	291	6	inverse	inverse	NOUN
ajfti-2325	291	7	relationship	relationship	NOUN
ajfti-2325	291	8	with	with	ADP
ajfti-2325	291	9	rgdp	rgdp	NOUN
ajfti-2325	291	10	.	.	PUNCT
ajfti-2325	292	1	this	this	PRON
ajfti-2325	292	2	might	might	AUX
ajfti-2325	292	3	initially	initially	ADV
ajfti-2325	292	4	seem	seem	VERB
ajfti-2325	292	5	counterintuitive	counterintuitive	ADJ
ajfti-2325	292	6	,	,	PUNCT
ajfti-2325	292	7	but	but	CCONJ
ajfti-2325	292	8	it	it	PRON
ajfti-2325	292	9	suggests	suggest	VERB
ajfti-2325	292	10	that	that	SCONJ
ajfti-2325	292	11	as	as	SCONJ
ajfti-2325	292	12	instant	instant	ADJ
ajfti-2325	292	13	pay	pay	NOUN
ajfti-2325	292	14	transactions	transaction	NOUN
ajfti-2325	292	15	increase	increase	NOUN
ajfti-2325	292	16	,	,	PUNCT
ajfti-2325	292	17	there	there	PRON
ajfti-2325	292	18	may	may	AUX
ajfti-2325	292	19	be	be	AUX
ajfti-2325	292	20	a	a	DET
ajfti-2325	292	21	decline	decline	NOUN
ajfti-2325	292	22	in	in	ADP
ajfti-2325	292	23	the	the	DET
ajfti-2325	292	24	rgdp	rgdp	NOUN
ajfti-2325	292	25	.	.	PUNCT
ajfti-2325	293	1	it	it	PRON
ajfti-2325	293	2	’s	’	VERB
ajfti-2325	293	3	possible	possible	ADJ
ajfti-2325	293	4	that	that	SCONJ
ajfti-2325	293	5	while	while	SCONJ
ajfti-2325	293	6	these	these	DET
ajfti-2325	293	7	transactions	transaction	NOUN
ajfti-2325	293	8	provide	provide	VERB
ajfti-2325	293	9	convenience	convenience	NOUN
ajfti-2325	293	10	,	,	PUNCT
ajfti-2325	293	11	they	they	PRON
ajfti-2325	293	12	could	could	AUX
ajfti-2325	293	13	be	be	AUX
ajfti-2325	293	14	displacing	displace	VERB
ajfti-2325	293	15	other	other	ADJ
ajfti-2325	293	16	more	more	ADV
ajfti-2325	293	17	profitable	profitable	ADJ
ajfti-2325	293	18	or	or	CCONJ
ajfti-2325	293	19	traditional	traditional	ADJ
ajfti-2325	293	20	transaction	transaction	NOUN
ajfti-2325	293	21	methods	method	NOUN
ajfti-2325	293	22	,	,	PUNCT
ajfti-2325	293	23	hence	hence	ADV
ajfti-2325	293	24	leading	lead	VERB
ajfti-2325	293	25	to	to	ADP
ajfti-2325	293	26	a	a	DET
ajfti-2325	293	27	short	short	ADJ
ajfti-2325	293	28	-	-	PUNCT
ajfti-2325	293	29	term	term	NOUN
ajfti-2325	293	30	decrease	decrease	NOUN
ajfti-2325	293	31	in	in	ADP
ajfti-2325	293	32	economic	economic	ADJ
ajfti-2325	293	33	growth	growth	NOUN
ajfti-2325	293	34	.	.	PUNCT
ajfti-2325	294	1	based	base	VERB
ajfti-2325	294	2	on	on	ADP
ajfti-2325	294	3	the	the	DET
ajfti-2325	294	4	outcome	outcome	NOUN
ajfti-2325	294	5	of	of	ADP
ajfti-2325	294	6	the	the	DET
ajfti-2325	294	7	p	p	NOUN
ajfti-2325	294	8	-	-	PUNCT
ajfti-2325	294	9	value	value	NOUN
ajfti-2325	294	10	which	which	PRON
ajfti-2325	294	11	was	be	AUX
ajfti-2325	294	12	found	find	VERB
ajfti-2325	294	13	to	to	PART
ajfti-2325	294	14	be	be	AUX
ajfti-2325	294	15	(	(	PUNCT
ajfti-2325	294	16	0.0016	0.0016	NUM
ajfti-2325	294	17	)	)	PUNCT
ajfti-2325	294	18	less	less	ADJ
ajfti-2325	294	19	than	than	ADP
ajfti-2325	294	20	0.05	0.05	NUM
ajfti-2325	294	21	(	(	PUNCT
ajfti-2325	294	22	or	or	CCONJ
ajfti-2325	294	23	5	5	NUM
ajfti-2325	294	24	%	%	NOUN
ajfti-2325	294	25	)	)	PUNCT
ajfti-2325	294	26	level	level	NOUN
ajfti-2325	294	27	of	of	ADP
ajfti-2325	294	28	significance	significance	NOUN
ajfti-2325	294	29	,	,	PUNCT
ajfti-2325	294	30	the	the	DET
ajfti-2325	294	31	study	study	NOUN
ajfti-2325	294	32	concludes	conclude	VERB
ajfti-2325	294	33	that	that	SCONJ
ajfti-2325	294	34	instant	instant	ADJ
ajfti-2325	294	35	pay	pay	NOUN
ajfti-2325	294	36	transactions	transaction	NOUN
ajfti-2325	294	37	have	have	VERB
ajfti-2325	294	38	a	a	DET
ajfti-2325	294	39	significant	significant	ADJ
ajfti-2325	294	40	impact	impact	NOUN
ajfti-2325	294	41	on	on	ADP
ajfti-2325	294	42	economic	economic	ADJ
ajfti-2325	294	43	growth	growth	NOUN
ajfti-2325	294	44	in	in	ADP
ajfti-2325	294	45	nigeria	nigeria	PROPN
ajfti-2325	294	46	.	.	PUNCT
ajfti-2325	295	1	the	the	DET
ajfti-2325	295	2	value	value	NOUN
ajfti-2325	295	3	of	of	ADP
ajfti-2325	295	4	internet	internet	NOUN
ajfti-2325	295	5	(	(	PUNCT
ajfti-2325	295	6	web	web	NOUN
ajfti-2325	295	7	)	)	PUNCT
ajfti-2325	295	8	transactions	transaction	NOUN
ajfti-2325	295	9	(	(	PUNCT
ajfti-2325	295	10	log(itr	log(itr	ADJ
ajfti-2325	295	11	)	)	PUNCT
ajfti-2325	295	12	)	)	PUNCT
ajfti-2325	295	13	,	,	PUNCT
ajfti-2325	295	14	on	on	ADP
ajfti-2325	295	15	the	the	DET
ajfti-2325	295	16	other	other	ADJ
ajfti-2325	295	17	hand	hand	NOUN
ajfti-2325	295	18	,	,	PUNCT
ajfti-2325	295	19	has	have	VERB
ajfti-2325	295	20	a	a	DET
ajfti-2325	295	21	positive	positive	ADJ
ajfti-2325	295	22	coefficient	coefficient	NOUN
ajfti-2325	295	23	of	of	ADP
ajfti-2325	295	24	0.7707	0.7707	NUM
ajfti-2325	295	25	,	,	PUNCT
ajfti-2325	295	26	pa	pa	PROPN
ajfti-2325	295	27	ge	ge	PROPN
ajfti-2325	295	28	43	43	NUM
ajfti-2325	295	29	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	NOUN
ajfti-2325	295	30	am	be	AUX
ajfti-2325	295	31	.	.	PUNCT
ajfti-2325	296	1	j.	j.	PROPN
ajfti-2325	296	2	financ	financ	PROPN
ajfti-2325	296	3	.	.	PUNCT
ajfti-2325	297	1	technol	technol	PROPN
ajfti-2325	297	2	.	.	PUNCT
ajfti-2325	297	3	innov	innov	PROPN
ajfti-2325	297	4	.	.	PUNCT
ajfti-2325	298	1	1(1	1(1	NUM
ajfti-2325	298	2	)	)	PUNCT
ajfti-2325	298	3	35	35	NUM
ajfti-2325	298	4	-	-	SYM
ajfti-2325	298	5	45	45	NUM
ajfti-2325	298	6	,	,	PUNCT
ajfti-2325	298	7	2023	2023	NUM
ajfti-2325	298	8	significant	significant	ADJ
ajfti-2325	298	9	at	at	ADP
ajfti-2325	298	10	the	the	DET
ajfti-2325	298	11	0.0122	0.0122	NUM
ajfti-2325	298	12	level	level	NOUN
ajfti-2325	298	13	.	.	PUNCT
ajfti-2325	299	1	this	this	PRON
ajfti-2325	299	2	indicates	indicate	VERB
ajfti-2325	299	3	a	a	DET
ajfti-2325	299	4	direct	direct	ADJ
ajfti-2325	299	5	relationship	relationship	NOUN
ajfti-2325	299	6	with	with	ADP
ajfti-2325	299	7	rgdp	rgdp	NOUN
ajfti-2325	299	8	,	,	PUNCT
ajfti-2325	299	9	suggesting	suggest	VERB
ajfti-2325	299	10	that	that	SCONJ
ajfti-2325	299	11	as	as	SCONJ
ajfti-2325	299	12	web	web	NOUN
ajfti-2325	299	13	-	-	PUNCT
ajfti-2325	299	14	based	base	VERB
ajfti-2325	299	15	transactions	transaction	NOUN
ajfti-2325	299	16	grow	grow	VERB
ajfti-2325	299	17	,	,	PUNCT
ajfti-2325	299	18	there	there	PRON
ajfti-2325	299	19	’s	’	VERB
ajfti-2325	299	20	a	a	DET
ajfti-2325	299	21	favorable	favorable	ADJ
ajfti-2325	299	22	impact	impact	NOUN
ajfti-2325	299	23	on	on	ADP
ajfti-2325	299	24	the	the	DET
ajfti-2325	299	25	country	country	NOUN
ajfti-2325	299	26	’s	’s	PART
ajfti-2325	299	27	economic	economic	ADJ
ajfti-2325	299	28	growth	growth	NOUN
ajfti-2325	299	29	.	.	PUNCT
ajfti-2325	300	1	it	it	PRON
ajfti-2325	300	2	can	can	AUX
ajfti-2325	300	3	be	be	AUX
ajfti-2325	300	4	inferred	infer	VERB
ajfti-2325	300	5	that	that	SCONJ
ajfti-2325	300	6	internet	internet	NOUN
ajfti-2325	300	7	transactions	transaction	NOUN
ajfti-2325	300	8	,	,	PUNCT
ajfti-2325	300	9	which	which	PRON
ajfti-2325	300	10	might	might	AUX
ajfti-2325	300	11	encompass	encompass	VERB
ajfti-2325	300	12	e	e	NOUN
ajfti-2325	300	13	-	-	NOUN
ajfti-2325	300	14	commerce	commerce	ADJ
ajfti-2325	300	15	,	,	PUNCT
ajfti-2325	300	16	online	online	ADJ
ajfti-2325	300	17	services	service	NOUN
ajfti-2325	300	18	,	,	PUNCT
ajfti-2325	300	19	and	and	CCONJ
ajfti-2325	300	20	other	other	ADJ
ajfti-2325	300	21	web	web	NOUN
ajfti-2325	300	22	-	-	PUNCT
ajfti-2325	300	23	based	base	VERB
ajfti-2325	300	24	financial	financial	ADJ
ajfti-2325	300	25	activities	activity	NOUN
ajfti-2325	300	26	,	,	PUNCT
ajfti-2325	300	27	are	be	AUX
ajfti-2325	300	28	contributing	contribute	VERB
ajfti-2325	300	29	positively	positively	ADV
ajfti-2325	300	30	to	to	ADP
ajfti-2325	300	31	nigeria	nigeria	PROPN
ajfti-2325	300	32	’s	’s	PART
ajfti-2325	300	33	economic	economic	ADJ
ajfti-2325	300	34	landscape	landscape	NOUN
ajfti-2325	300	35	.	.	PUNCT
ajfti-2325	301	1	inline	inline	VERB
ajfti-2325	301	2	with	with	ADP
ajfti-2325	301	3	the	the	DET
ajfti-2325	301	4	outcome	outcome	NOUN
ajfti-2325	301	5	of	of	ADP
ajfti-2325	301	6	the	the	DET
ajfti-2325	301	7	p	p	NOUN
ajfti-2325	301	8	-	-	PUNCT
ajfti-2325	301	9	value	value	NOUN
ajfti-2325	301	10	(	(	PUNCT
ajfti-2325	301	11	which	which	PRON
ajfti-2325	301	12	was	be	AUX
ajfti-2325	301	13	found	find	VERB
ajfti-2325	301	14	to	to	PART
ajfti-2325	301	15	be	be	AUX
ajfti-2325	301	16	0.0122	0.0122	NUM
ajfti-2325	301	17	,	,	PUNCT
ajfti-2325	301	18	and	and	CCONJ
ajfti-2325	301	19	also	also	ADV
ajfti-2325	301	20	less	less	ADJ
ajfti-2325	301	21	than	than	ADP
ajfti-2325	301	22	0.05	0.05	NUM
ajfti-2325	301	23	,	,	PUNCT
ajfti-2325	301	24	the	the	DET
ajfti-2325	301	25	study	study	NOUN
ajfti-2325	301	26	concludes	conclude	VERB
ajfti-2325	301	27	that	that	SCONJ
ajfti-2325	301	28	internet	internet	NOUN
ajfti-2325	301	29	(	(	PUNCT
ajfti-2325	301	30	web	web	NOUN
ajfti-2325	301	31	)	)	PUNCT
ajfti-2325	301	32	transactions	transaction	NOUN
ajfti-2325	301	33	has	have	AUX
ajfti-2325	301	34	significantly	significantly	ADV
ajfti-2325	301	35	enhanced	enhance	VERB
ajfti-2325	301	36	nigeria	nigeria	PROPN
ajfti-2325	301	37	’s	’s	PART
ajfti-2325	301	38	economic	economic	ADJ
ajfti-2325	301	39	growth	growth	NOUN
ajfti-2325	301	40	within	within	ADP
ajfti-2325	301	41	the	the	DET
ajfti-2325	301	42	study	study	NOUN
ajfti-2325	301	43	period	period	NOUN
ajfti-2325	301	44	.	.	PUNCT
ajfti-2325	302	1	moreover	moreover	ADV
ajfti-2325	302	2	,	,	PUNCT
ajfti-2325	302	3	the	the	DET
ajfti-2325	302	4	value	value	NOUN
ajfti-2325	302	5	of	of	ADP
ajfti-2325	302	6	mobile	mobile	ADJ
ajfti-2325	302	7	payment	payment	NOUN
ajfti-2325	302	8	transactions	transaction	NOUN
ajfti-2325	302	9	(	(	PUNCT
ajfti-2325	302	10	log(mpt	log(mpt	NOUN
ajfti-2325	302	11	)	)	PUNCT
ajfti-2325	302	12	)	)	PUNCT
ajfti-2325	302	13	also	also	ADV
ajfti-2325	302	14	presents	present	VERB
ajfti-2325	302	15	a	a	DET
ajfti-2325	302	16	positive	positive	ADJ
ajfti-2325	302	17	relationship	relationship	NOUN
ajfti-2325	302	18	with	with	ADP
ajfti-2325	302	19	a	a	DET
ajfti-2325	302	20	coefficient	coefficient	NOUN
ajfti-2325	302	21	of	of	ADP
ajfti-2325	302	22	2.5144	2.5144	NUM
ajfti-2325	302	23	,	,	PUNCT
ajfti-2325	302	24	significant	significant	ADJ
ajfti-2325	302	25	at	at	ADP
ajfti-2325	302	26	the	the	DET
ajfti-2325	302	27	0.0412	0.0412	NUM
ajfti-2325	302	28	level	level	NOUN
ajfti-2325	302	29	.	.	PUNCT
ajfti-2325	303	1	the	the	DET
ajfti-2325	303	2	influence	influence	NOUN
ajfti-2325	303	3	of	of	ADP
ajfti-2325	303	4	mobile	mobile	ADJ
ajfti-2325	303	5	payments	payment	NOUN
ajfti-2325	303	6	ca	can	AUX
ajfti-2325	303	7	n’t	not	PART
ajfti-2325	303	8	be	be	AUX
ajfti-2325	303	9	understated	understate	VERB
ajfti-2325	303	10	,	,	PUNCT
ajfti-2325	303	11	especially	especially	ADV
ajfti-2325	303	12	in	in	ADP
ajfti-2325	303	13	a	a	DET
ajfti-2325	303	14	country	country	NOUN
ajfti-2325	303	15	like	like	ADP
ajfti-2325	303	16	nigeria	nigeria	PRON
ajfti-2325	303	17	where	where	SCONJ
ajfti-2325	303	18	mobile	mobile	ADJ
ajfti-2325	303	19	penetration	penetration	NOUN
ajfti-2325	303	20	is	be	AUX
ajfti-2325	303	21	high	high	ADJ
ajfti-2325	303	22	,	,	PUNCT
ajfti-2325	303	23	and	and	CCONJ
ajfti-2325	303	24	many	many	ADJ
ajfti-2325	303	25	citizens	citizen	NOUN
ajfti-2325	303	26	rely	rely	VERB
ajfti-2325	303	27	on	on	ADP
ajfti-2325	303	28	mobilebased	mobilebase	VERB
ajfti-2325	303	29	solutions	solution	NOUN
ajfti-2325	303	30	for	for	ADP
ajfti-2325	303	31	their	their	PRON
ajfti-2325	303	32	financial	financial	ADJ
ajfti-2325	303	33	needs	need	NOUN
ajfti-2325	303	34	.	.	PUNCT
ajfti-2325	304	1	the	the	DET
ajfti-2325	304	2	positive	positive	ADJ
ajfti-2325	304	3	coefficient	coefficient	NOUN
ajfti-2325	304	4	suggests	suggest	VERB
ajfti-2325	304	5	that	that	SCONJ
ajfti-2325	304	6	as	as	SCONJ
ajfti-2325	304	7	the	the	DET
ajfti-2325	304	8	adoption	adoption	NOUN
ajfti-2325	304	9	and	and	CCONJ
ajfti-2325	304	10	use	use	NOUN
ajfti-2325	304	11	of	of	ADP
ajfti-2325	304	12	mobile	mobile	ADJ
ajfti-2325	304	13	payment	payment	NOUN
ajfti-2325	304	14	solutions	solution	NOUN
ajfti-2325	304	15	grow	grow	VERB
ajfti-2325	304	16	,	,	PUNCT
ajfti-2325	304	17	it	it	PRON
ajfti-2325	304	18	’s	’	VERB
ajfti-2325	304	19	conducive	conducive	ADJ
ajfti-2325	304	20	to	to	ADP
ajfti-2325	304	21	nigeria	nigeria	PROPN
ajfti-2325	304	22	’s	’s	PART
ajfti-2325	304	23	economic	economic	ADJ
ajfti-2325	304	24	prosperity	prosperity	NOUN
ajfti-2325	304	25	.	.	PUNCT
ajfti-2325	305	1	therefore	therefore	ADV
ajfti-2325	305	2	,	,	PUNCT
ajfti-2325	305	3	based	base	VERB
ajfti-2325	305	4	on	on	ADP
ajfti-2325	305	5	the	the	DET
ajfti-2325	305	6	outcome	outcome	NOUN
ajfti-2325	305	7	of	of	ADP
ajfti-2325	305	8	the	the	DET
ajfti-2325	305	9	p	p	NOUN
ajfti-2325	305	10	-	-	PUNCT
ajfti-2325	305	11	value	value	NOUN
ajfti-2325	305	12	which	which	PRON
ajfti-2325	305	13	was	be	AUX
ajfti-2325	305	14	found	find	VERB
ajfti-2325	305	15	to	to	PART
ajfti-2325	305	16	be	be	AUX
ajfti-2325	305	17	0.0412	0.0412	NUM
ajfti-2325	305	18	,	,	PUNCT
ajfti-2325	305	19	and	and	CCONJ
ajfti-2325	305	20	also	also	ADV
ajfti-2325	305	21	less	less	ADJ
ajfti-2325	305	22	than	than	ADP
ajfti-2325	305	23	0.05	0.05	NUM
ajfti-2325	305	24	(	(	PUNCT
ajfti-2325	305	25	or	or	CCONJ
ajfti-2325	305	26	5	5	NUM
ajfti-2325	305	27	%	%	NOUN
ajfti-2325	305	28	level	level	NOUN
ajfti-2325	305	29	of	of	ADP
ajfti-2325	305	30	significance	significance	NOUN
ajfti-2325	305	31	)	)	PUNCT
ajfti-2325	305	32	,	,	PUNCT
ajfti-2325	305	33	the	the	DET
ajfti-2325	305	34	study	study	NOUN
ajfti-2325	305	35	further	far	ADV
ajfti-2325	305	36	concludes	conclude	VERB
ajfti-2325	305	37	that	that	SCONJ
ajfti-2325	305	38	mobile	mobile	ADJ
ajfti-2325	305	39	payment	payment	NOUN
ajfti-2325	305	40	transactions	transaction	NOUN
ajfti-2325	305	41	has	have	VERB
ajfti-2325	305	42	a	a	DET
ajfti-2325	305	43	significant	significant	ADJ
ajfti-2325	305	44	impact	impact	NOUN
ajfti-2325	305	45	on	on	ADP
ajfti-2325	305	46	nigeria	nigeria	PROPN
ajfti-2325	305	47	’s	’s	PART
ajfti-2325	305	48	economic	economic	ADJ
ajfti-2325	305	49	growth	growth	NOUN
ajfti-2325	305	50	.	.	PUNCT
ajfti-2325	306	1	the	the	DET
ajfti-2325	306	2	r	r	NOUN
ajfti-2325	306	3	-	-	PUNCT
ajfti-2325	306	4	squared	square	VERB
ajfti-2325	306	5	value	value	NOUN
ajfti-2325	306	6	of	of	ADP
ajfti-2325	306	7	0.678682	0.678682	PRON
ajfti-2325	306	8	implies	imply	VERB
ajfti-2325	306	9	that	that	SCONJ
ajfti-2325	306	10	approximately	approximately	ADV
ajfti-2325	306	11	67.87	67.87	NUM
ajfti-2325	306	12	%	%	NOUN
ajfti-2325	306	13	of	of	ADP
ajfti-2325	306	14	the	the	DET
ajfti-2325	306	15	variation	variation	NOUN
ajfti-2325	306	16	in	in	ADP
ajfti-2325	306	17	the	the	DET
ajfti-2325	306	18	dependent	dependent	ADJ
ajfti-2325	306	19	variable	variable	NOUN
ajfti-2325	306	20	(	(	PUNCT
ajfti-2325	306	21	in	in	ADP
ajfti-2325	306	22	this	this	DET
ajfti-2325	306	23	context	context	NOUN
ajfti-2325	306	24	,	,	PUNCT
ajfti-2325	306	25	economic	economic	ADJ
ajfti-2325	306	26	growth	growth	NOUN
ajfti-2325	306	27	or	or	CCONJ
ajfti-2325	306	28	rgdp	rgdp	NOUN
ajfti-2325	306	29	)	)	PUNCT
ajfti-2325	306	30	can	can	AUX
ajfti-2325	306	31	be	be	AUX
ajfti-2325	306	32	explained	explain	VERB
ajfti-2325	306	33	by	by	ADP
ajfti-2325	306	34	the	the	DET
ajfti-2325	306	35	independent	independent	ADJ
ajfti-2325	306	36	variables	variable	NOUN
ajfti-2325	306	37	in	in	ADP
ajfti-2325	306	38	the	the	DET
ajfti-2325	306	39	model	model	NOUN
ajfti-2325	306	40	(	(	PUNCT
ajfti-2325	306	41	which	which	PRON
ajfti-2325	306	42	could	could	AUX
ajfti-2325	306	43	include	include	VERB
ajfti-2325	306	44	value	value	NOUN
ajfti-2325	306	45	of	of	ADP
ajfti-2325	306	46	instant	instant	ADJ
ajfti-2325	306	47	pay	pay	NOUN
ajfti-2325	306	48	transactions	transaction	NOUN
ajfti-2325	306	49	(	(	PUNCT
ajfti-2325	306	50	ipt	ipt	PROPN
ajfti-2325	306	51	)	)	PUNCT
ajfti-2325	306	52	,	,	PUNCT
ajfti-2325	306	53	value	value	NOUN
ajfti-2325	306	54	of	of	ADP
ajfti-2325	306	55	internet	internet	NOUN
ajfti-2325	306	56	(	(	PUNCT
ajfti-2325	306	57	web	web	NOUN
ajfti-2325	306	58	)	)	PUNCT
ajfti-2325	306	59	transactions	transaction	NOUN
ajfti-2325	306	60	(	(	PUNCT
ajfti-2325	306	61	itr	itr	NOUN
ajfti-2325	306	62	)	)	PUNCT
ajfti-2325	306	63	,	,	PUNCT
ajfti-2325	306	64	and	and	CCONJ
ajfti-2325	306	65	value	value	NOUN
ajfti-2325	306	66	of	of	ADP
ajfti-2325	306	67	mobile	mobile	ADJ
ajfti-2325	306	68	payment	payment	NOUN
ajfti-2325	306	69	transactions	transaction	NOUN
ajfti-2325	306	70	(	(	PUNCT
ajfti-2325	306	71	mpt	mpt	NOUN
ajfti-2325	306	72	)	)	PUNCT
ajfti-2325	306	73	)	)	PUNCT
ajfti-2325	306	74	.	.	PUNCT
ajfti-2325	307	1	this	this	PRON
ajfti-2325	307	2	is	be	AUX
ajfti-2325	307	3	a	a	DET
ajfti-2325	307	4	relatively	relatively	ADV
ajfti-2325	307	5	high	high	ADJ
ajfti-2325	307	6	value	value	NOUN
ajfti-2325	307	7	,	,	PUNCT
ajfti-2325	307	8	indicating	indicate	VERB
ajfti-2325	307	9	that	that	SCONJ
ajfti-2325	307	10	the	the	DET
ajfti-2325	307	11	model	model	NOUN
ajfti-2325	307	12	has	have	AUX
ajfti-2325	307	13	captured	capture	VERB
ajfti-2325	307	14	a	a	DET
ajfti-2325	307	15	substantial	substantial	ADJ
ajfti-2325	307	16	portion	portion	NOUN
ajfti-2325	307	17	of	of	ADP
ajfti-2325	307	18	the	the	DET
ajfti-2325	307	19	variability	variability	NOUN
ajfti-2325	307	20	in	in	ADP
ajfti-2325	307	21	the	the	DET
ajfti-2325	307	22	dependent	dependent	ADJ
ajfti-2325	307	23	variable	variable	NOUN
ajfti-2325	307	24	.	.	PUNCT
ajfti-2325	308	1	the	the	DET
ajfti-2325	308	2	wald	wald	NOUN
ajfti-2325	308	3	-	-	NOUN
ajfti-2325	308	4	statistic	statistic	NOUN
ajfti-2325	308	5	of	of	ADP
ajfti-2325	308	6	7.3161	7.3161	NUM
ajfti-2325	308	7	,	,	PUNCT
ajfti-2325	308	8	accompanied	accompany	VERB
ajfti-2325	308	9	by	by	ADP
ajfti-2325	308	10	a	a	DET
ajfti-2325	308	11	wald	wald	X
ajfti-2325	308	12	(	(	PUNCT
ajfti-2325	308	13	p	p	NOUN
ajfti-2325	308	14	-	-	PUNCT
ajfti-2325	308	15	value	value	NOUN
ajfti-2325	308	16	)	)	PUNCT
ajfti-2325	308	17	of	of	ADP
ajfti-2325	308	18	0.0407	0.0407	NUM
ajfti-2325	308	19	,	,	PUNCT
ajfti-2325	308	20	is	be	AUX
ajfti-2325	308	21	employed	employ	VERB
ajfti-2325	308	22	to	to	PART
ajfti-2325	308	23	test	test	VERB
ajfti-2325	308	24	the	the	DET
ajfti-2325	308	25	joint	joint	ADJ
ajfti-2325	308	26	significance	significance	NOUN
ajfti-2325	308	27	of	of	ADP
ajfti-2325	308	28	coefficients	coefficient	NOUN
ajfti-2325	308	29	in	in	ADP
ajfti-2325	308	30	the	the	DET
ajfti-2325	308	31	model	model	NOUN
ajfti-2325	308	32	.	.	PUNCT
ajfti-2325	309	1	the	the	DET
ajfti-2325	309	2	p	p	NOUN
ajfti-2325	309	3	-	-	PUNCT
ajfti-2325	309	4	value	value	NOUN
ajfti-2325	309	5	being	be	AUX
ajfti-2325	309	6	less	less	ADJ
ajfti-2325	309	7	than	than	ADP
ajfti-2325	309	8	0.05	0.05	NUM
ajfti-2325	309	9	suggests	suggest	VERB
ajfti-2325	309	10	that	that	SCONJ
ajfti-2325	309	11	the	the	DET
ajfti-2325	309	12	coefficients	coefficient	NOUN
ajfti-2325	309	13	of	of	ADP
ajfti-2325	309	14	value	value	NOUN
ajfti-2325	309	15	of	of	ADP
ajfti-2325	309	16	instant	instant	ADJ
ajfti-2325	309	17	pay	pay	NOUN
ajfti-2325	309	18	transactions	transaction	NOUN
ajfti-2325	309	19	(	(	PUNCT
ajfti-2325	309	20	ipt	ipt	PROPN
ajfti-2325	309	21	)	)	PUNCT
ajfti-2325	309	22	,	,	PUNCT
ajfti-2325	309	23	value	value	NOUN
ajfti-2325	309	24	of	of	ADP
ajfti-2325	309	25	internet	internet	NOUN
ajfti-2325	309	26	(	(	PUNCT
ajfti-2325	309	27	web	web	NOUN
ajfti-2325	309	28	)	)	PUNCT
ajfti-2325	309	29	transactions	transaction	NOUN
ajfti-2325	309	30	(	(	PUNCT
ajfti-2325	309	31	itr	itr	NOUN
ajfti-2325	309	32	)	)	PUNCT
ajfti-2325	309	33	,	,	PUNCT
ajfti-2325	309	34	and	and	CCONJ
ajfti-2325	309	35	value	value	NOUN
ajfti-2325	309	36	of	of	ADP
ajfti-2325	309	37	mobile	mobile	ADJ
ajfti-2325	309	38	payment	payment	NOUN
ajfti-2325	309	39	transactions	transaction	NOUN
ajfti-2325	309	40	(	(	PUNCT
ajfti-2325	309	41	mpt	mpt	PROPN
ajfti-2325	309	42	)	)	PUNCT
ajfti-2325	309	43	in	in	ADP
ajfti-2325	309	44	the	the	DET
ajfti-2325	309	45	model	model	NOUN
ajfti-2325	309	46	are	be	AUX
ajfti-2325	309	47	jointly	jointly	ADV
ajfti-2325	309	48	significant	significant	ADJ
ajfti-2325	309	49	at	at	ADP
ajfti-2325	309	50	the	the	DET
ajfti-2325	309	51	5	5	NUM
ajfti-2325	309	52	%	%	NOUN
ajfti-2325	309	53	level	level	NOUN
ajfti-2325	309	54	.	.	PUNCT
ajfti-2325	310	1	this	this	PRON
ajfti-2325	310	2	means	mean	VERB
ajfti-2325	310	3	that	that	SCONJ
ajfti-2325	310	4	the	the	DET
ajfti-2325	310	5	fintech	fintech	NOUN
ajfti-2325	310	6	indicators	indicator	NOUN
ajfti-2325	310	7	in	in	ADP
ajfti-2325	310	8	the	the	DET
ajfti-2325	310	9	model	model	NOUN
ajfti-2325	310	10	,	,	PUNCT
ajfti-2325	310	11	as	as	ADP
ajfti-2325	310	12	a	a	DET
ajfti-2325	310	13	group	group	NOUN
ajfti-2325	310	14	,	,	PUNCT
ajfti-2325	310	15	play	play	VERB
ajfti-2325	310	16	a	a	DET
ajfti-2325	310	17	significant	significant	ADJ
ajfti-2325	310	18	role	role	NOUN
ajfti-2325	310	19	in	in	ADP
ajfti-2325	310	20	explaining	explain	VERB
ajfti-2325	310	21	the	the	DET
ajfti-2325	310	22	variation	variation	NOUN
ajfti-2325	310	23	in	in	ADP
ajfti-2325	310	24	economic	economic	ADJ
ajfti-2325	310	25	growth	growth	NOUN
ajfti-2325	310	26	or	or	CCONJ
ajfti-2325	310	27	rgdp	rgdp	NOUN
ajfti-2325	310	28	.	.	PUNCT
ajfti-2325	310	29	table	table	NOUN
ajfti-2325	310	30	which	which	PRON
ajfti-2325	310	31	shows	show	VERB
ajfti-2325	310	32	the	the	DET
ajfti-2325	310	33	results	result	NOUN
ajfti-2325	310	34	of	of	ADP
ajfti-2325	310	35	residual	residual	ADJ
ajfti-2325	310	36	test	test	NOUN
ajfti-2325	310	37	provides	provide	VERB
ajfti-2325	310	38	insights	insight	NOUN
ajfti-2325	310	39	into	into	ADP
ajfti-2325	310	40	the	the	DET
ajfti-2325	310	41	quality	quality	NOUN
ajfti-2325	310	42	and	and	CCONJ
ajfti-2325	310	43	validity	validity	NOUN
ajfti-2325	310	44	of	of	ADP
ajfti-2325	310	45	the	the	DET
ajfti-2325	310	46	regression	regression	NOUN
ajfti-2325	310	47	model	model	NOUN
ajfti-2325	310	48	utilized	utilize	VERB
ajfti-2325	310	49	in	in	ADP
ajfti-2325	310	50	the	the	DET
ajfti-2325	310	51	study	study	NOUN
ajfti-2325	310	52	.	.	PUNCT
ajfti-2325	311	1	table	table	NOUN
ajfti-2325	311	2	4	4	NUM
ajfti-2325	311	3	:	:	PUNCT
ajfti-2325	311	4	fully	fully	ADV
ajfti-2325	311	5	modified	modified	ADJ
ajfti-2325	311	6	least	least	ADJ
ajfti-2325	311	7	squares	square	NOUN
ajfti-2325	311	8	(	(	PUNCT
ajfti-2325	311	9	fmols	fmol	NOUN
ajfti-2325	311	10	)	)	PUNCT
ajfti-2325	311	11	result	result	VERB
ajfti-2325	311	12	dependent	dependent	ADJ
ajfti-2325	311	13	variable	variable	NOUN
ajfti-2325	311	14	:	:	PUNCT
ajfti-2325	311	15	rgdp	rgdp	NOUN
ajfti-2325	311	16	(	(	PUNCT
ajfti-2325	311	17	%	%	INTJ
ajfti-2325	311	18	)	)	PUNCT
ajfti-2325	311	19	variable	variable	ADJ
ajfti-2325	311	20	coefficient	coefficient	NOUN
ajfti-2325	311	21	std	std	PROPN
ajfti-2325	311	22	.	.	NOUN
ajfti-2325	311	23	error	error	NOUN
ajfti-2325	311	24	t	t	NOUN
ajfti-2325	311	25	-	-	PUNCT
ajfti-2325	311	26	statistic	statistic	NOUN
ajfti-2325	311	27	prob	prob	NOUN
ajfti-2325	311	28	.	.	PUNCT
ajfti-2325	311	29	log(ipt	log(ipt	PROPN
ajfti-2325	311	30	)	)	PUNCT
ajfti-2325	311	31	-5.6296	-5.6296	VERB
ajfti-2325	311	32	1.6164	1.6164	NUM
ajfti-2325	311	33	-3.4828	-3.4828	NOUN
ajfti-2325	311	34	0.0016	0.0016	NUM
ajfti-2325	311	35	log(itr	log(itr	NOUN
ajfti-2325	311	36	)	)	PUNCT
ajfti-2325	312	1	0.7707	0.7707	NUM
ajfti-2325	312	2	0.2728	0.2728	NUM
ajfti-2325	312	3	2.8255	2.8255	NUM
ajfti-2325	312	4	0.0122	0.0122	NUM
ajfti-2325	312	5	log(mpt	log(mpt	NOUN
ajfti-2325	312	6	)	)	PUNCT
ajfti-2325	312	7	2.5144	2.5144	NUM
ajfti-2325	312	8	1.1401	1.1401	NUM
ajfti-2325	312	9	2.2055	2.2055	NUM
ajfti-2325	312	10	0.0412	0.0412	NUM
ajfti-2325	312	11	c	c	NOUN
ajfti-2325	312	12	37.5433	37.5433	NUM
ajfti-2325	312	13	1.8627	1.8627	NUM
ajfti-2325	312	14	20.1551	20.1551	NUM
ajfti-2325	312	15	0.0000	0.0000	NUM
ajfti-2325	312	16	r	r	NOUN
ajfti-2325	312	17	-	-	PUNCT
ajfti-2325	312	18	squared	square	VERB
ajfti-2325	312	19	0.678682	0.678682	NUM
ajfti-2325	312	20	adjusted	adjusted	ADJ
ajfti-2325	312	21	r	r	NOUN
ajfti-2325	312	22	-	-	PUNCT
ajfti-2325	312	23	squared	square	VERB
ajfti-2325	312	24	0.523196	0.523196	NUM
ajfti-2325	312	25	long	long	ADJ
ajfti-2325	312	26	-	-	PUNCT
ajfti-2325	312	27	run	run	VERB
ajfti-2325	312	28	variance	variance	NOUN
ajfti-2325	312	29	11.98656	11.98656	NUM
ajfti-2325	312	30	wald	wald	X
ajfti-2325	312	31	-	-	PUNCT
ajfti-2325	312	32	f	f	NOUN
ajfti-2325	312	33	-	-	PUNCT
ajfti-2325	312	34	statistic	statistic	NOUN
ajfti-2325	312	35	7.3161	7.3161	NUM
ajfti-2325	312	36	wald	wald	NOUN
ajfti-2325	312	37	-	-	PUNCT
ajfti-2325	312	38	f	f	NOUN
ajfti-2325	312	39	-	-	PUNCT
ajfti-2325	312	40	statistic	statistic	NOUN
ajfti-2325	312	41	(	(	PUNCT
ajfti-2325	312	42	p	p	NOUN
ajfti-2325	312	43	-	-	PUNCT
ajfti-2325	312	44	value	value	NOUN
ajfti-2325	312	45	)	)	PUNCT
ajfti-2325	312	46	0.0407	0.0407	NUM
ajfti-2325	312	47	source	source	NOUN
ajfti-2325	312	48	:	:	PUNCT
ajfti-2325	312	49	authors	author	NOUN
ajfti-2325	312	50	computation	computation	VERB
ajfti-2325	312	51	,	,	PUNCT
ajfti-2325	312	52	2023	2023	NUM
ajfti-2325	312	53	(	(	PUNCT
ajfti-2325	312	54	eviews-12	eviews-12	PROPN
ajfti-2325	312	55	)	)	PUNCT
ajfti-2325	312	56	table	table	NOUN
ajfti-2325	312	57	5	5	NUM
ajfti-2325	312	58	:	:	PUNCT
ajfti-2325	312	59	results	result	NOUN
ajfti-2325	312	60	of	of	ADP
ajfti-2325	312	61	residual	residual	ADJ
ajfti-2325	312	62	test	test	NOUN
ajfti-2325	312	63	tests	test	VERB
ajfti-2325	312	64	outcomes	outcome	NOUN
ajfti-2325	312	65	coefficient	coefficient	VERB
ajfti-2325	312	66	probability	probability	NOUN
ajfti-2325	312	67	correlogram	correlogram	NOUN
ajfti-2325	312	68	q	q	NOUN
ajfti-2325	312	69	-	-	PUNCT
ajfti-2325	312	70	statistics	statistic	NOUN
ajfti-2325	312	71	(	(	PUNCT
ajfti-2325	312	72	serial	serial	ADJ
ajfti-2325	312	73	correlation	correlation	NOUN
ajfti-2325	312	74	)	)	PUNCT
ajfti-2325	312	75	f	f	X
ajfti-2325	312	76	-	-	PUNCT
ajfti-2325	312	77	stat	stat	NOUN
ajfti-2325	312	78	.	.	PUNCT
ajfti-2325	313	1	2.189336	2.189336	NUM
ajfti-2325	313	2	0.2592	0.2592	NUM
ajfti-2325	313	3	normality	normality	NOUN
ajfti-2325	313	4	test	test	NOUN
ajfti-2325	313	5	jarque	jarque	NOUN
ajfti-2325	313	6	-	-	PUNCT
ajfti-2325	313	7	bera	bera	NOUN
ajfti-2325	313	8	3.592803	3.592803	NUM
ajfti-2325	313	9	0.1658	0.1658	NUM
ajfti-2325	313	10	source	source	NOUN
ajfti-2325	313	11	:	:	PUNCT
ajfti-2325	313	12	authors	author	NOUN
ajfti-2325	313	13	computation	computation	VERB
ajfti-2325	313	14	,	,	PUNCT
ajfti-2325	313	15	2023	2023	NUM
ajfti-2325	313	16	(	(	PUNCT
ajfti-2325	313	17	eviews-12	eviews-12	PROPN
ajfti-2325	313	18	)	)	PUNCT
ajfti-2325	313	19	the	the	DET
ajfti-2325	313	20	correlogram	correlogram	NOUN
ajfti-2325	313	21	q	q	NOUN
ajfti-2325	313	22	-	-	PUNCT
ajfti-2325	313	23	statistics	statistic	NOUN
ajfti-2325	313	24	test	test	NOUN
ajfti-2325	313	25	is	be	AUX
ajfti-2325	313	26	utilized	utilize	VERB
ajfti-2325	313	27	to	to	PART
ajfti-2325	313	28	identify	identify	VERB
ajfti-2325	313	29	any	any	DET
ajfti-2325	313	30	potential	potential	ADJ
ajfti-2325	313	31	serial	serial	ADJ
ajfti-2325	313	32	correlation	correlation	NOUN
ajfti-2325	313	33	in	in	ADP
ajfti-2325	313	34	the	the	DET
ajfti-2325	313	35	residuals	residual	NOUN
ajfti-2325	313	36	of	of	ADP
ajfti-2325	313	37	a	a	DET
ajfti-2325	313	38	regression	regression	NOUN
ajfti-2325	313	39	model	model	NOUN
ajfti-2325	313	40	.	.	PUNCT
ajfti-2325	314	1	serial	serial	ADJ
ajfti-2325	314	2	correlation	correlation	NOUN
ajfti-2325	314	3	can	can	AUX
ajfti-2325	314	4	be	be	AUX
ajfti-2325	314	5	problematic	problematic	ADJ
ajfti-2325	314	6	as	as	SCONJ
ajfti-2325	314	7	it	it	PRON
ajfti-2325	314	8	suggests	suggest	VERB
ajfti-2325	314	9	that	that	SCONJ
ajfti-2325	314	10	the	the	DET
ajfti-2325	314	11	model	model	NOUN
ajfti-2325	314	12	may	may	AUX
ajfti-2325	314	13	not	not	PART
ajfti-2325	314	14	be	be	AUX
ajfti-2325	314	15	capturing	capture	VERB
ajfti-2325	314	16	all	all	DET
ajfti-2325	314	17	relevant	relevant	ADJ
ajfti-2325	314	18	information	information	NOUN
ajfti-2325	314	19	,	,	PUNCT
ajfti-2325	314	20	leading	lead	VERB
ajfti-2325	314	21	to	to	ADP
ajfti-2325	314	22	inefficiency	inefficiency	NOUN
ajfti-2325	314	23	in	in	ADP
ajfti-2325	314	24	the	the	DET
ajfti-2325	314	25	regression	regression	NOUN
ajfti-2325	314	26	estimates	estimate	NOUN
ajfti-2325	314	27	.	.	PUNCT
ajfti-2325	315	1	in	in	ADP
ajfti-2325	315	2	this	this	DET
ajfti-2325	315	3	test	test	NOUN
ajfti-2325	315	4	,	,	PUNCT
ajfti-2325	315	5	an	an	DET
ajfti-2325	315	6	f	f	NOUN
ajfti-2325	315	7	-	-	PUNCT
ajfti-2325	315	8	statistic	statistic	NOUN
ajfti-2325	315	9	of	of	ADP
ajfti-2325	315	10	2.189336	2.189336	NUM
ajfti-2325	315	11	with	with	ADP
ajfti-2325	315	12	a	a	DET
ajfti-2325	315	13	probability	probability	NOUN
ajfti-2325	315	14	of	of	ADP
ajfti-2325	315	15	0.2592	0.2592	NUM
ajfti-2325	315	16	is	be	AUX
ajfti-2325	315	17	observed	observe	VERB
ajfti-2325	315	18	.	.	PUNCT
ajfti-2325	316	1	since	since	SCONJ
ajfti-2325	316	2	the	the	DET
ajfti-2325	316	3	probability	probability	NOUN
ajfti-2325	316	4	value	value	NOUN
ajfti-2325	316	5	is	be	AUX
ajfti-2325	316	6	greater	great	ADJ
ajfti-2325	316	7	than	than	ADP
ajfti-2325	316	8	conventional	conventional	ADJ
ajfti-2325	316	9	significance	significance	NOUN
ajfti-2325	316	10	levels	level	NOUN
ajfti-2325	316	11	(	(	PUNCT
ajfti-2325	316	12	e.g.	e.g.	ADV
ajfti-2325	316	13	,	,	PUNCT
ajfti-2325	316	14	0.05	0.05	NUM
ajfti-2325	316	15	or	or	CCONJ
ajfti-2325	316	16	0.01	0.01	NUM
ajfti-2325	316	17	)	)	PUNCT
ajfti-2325	316	18	,	,	PUNCT
ajfti-2325	316	19	it	it	PRON
ajfti-2325	316	20	indicates	indicate	VERB
ajfti-2325	316	21	that	that	SCONJ
ajfti-2325	316	22	there	there	PRON
ajfti-2325	316	23	’s	’	VERB
ajfti-2325	316	24	no	no	DET
ajfti-2325	316	25	significant	significant	ADJ
ajfti-2325	316	26	serial	serial	ADJ
ajfti-2325	316	27	correlation	correlation	NOUN
ajfti-2325	316	28	in	in	ADP
ajfti-2325	316	29	the	the	DET
ajfti-2325	316	30	residuals	residual	NOUN
ajfti-2325	316	31	.	.	PUNCT
ajfti-2325	317	1	this	this	PRON
ajfti-2325	317	2	is	be	AUX
ajfti-2325	317	3	a	a	DET
ajfti-2325	317	4	positive	positive	ADJ
ajfti-2325	317	5	outcome	outcome	NOUN
ajfti-2325	317	6	,	,	PUNCT
ajfti-2325	317	7	indicating	indicate	VERB
ajfti-2325	317	8	that	that	SCONJ
ajfti-2325	317	9	the	the	DET
ajfti-2325	317	10	fmols	fmol	NOUN
ajfti-2325	317	11	regression	regression	NOUN
ajfti-2325	317	12	model	model	NOUN
ajfti-2325	317	13	is	be	AUX
ajfti-2325	317	14	well	well	ADV
ajfti-2325	317	15	-	-	PUNCT
ajfti-2325	317	16	specified	specify	VERB
ajfti-2325	317	17	in	in	ADP
ajfti-2325	317	18	this	this	DET
ajfti-2325	317	19	aspect	aspect	NOUN
ajfti-2325	317	20	.	.	PUNCT
ajfti-2325	318	1	next	next	ADV
ajfti-2325	318	2	,	,	PUNCT
ajfti-2325	318	3	the	the	DET
ajfti-2325	318	4	normality	normality	NOUN
ajfti-2325	318	5	test	test	NOUN
ajfti-2325	318	6	,	,	PUNCT
ajfti-2325	318	7	specifically	specifically	ADV
ajfti-2325	318	8	the	the	DET
ajfti-2325	318	9	jarque	jarque	NOUN
ajfti-2325	318	10	-	-	PUNCT
ajfti-2325	318	11	bera	bera	NOUN
ajfti-2325	318	12	statistic	statistic	NOUN
ajfti-2325	318	13	,	,	PUNCT
ajfti-2325	318	14	assesses	assess	VERB
ajfti-2325	318	15	whether	whether	SCONJ
ajfti-2325	318	16	the	the	DET
ajfti-2325	318	17	residuals	residual	NOUN
ajfti-2325	318	18	of	of	ADP
ajfti-2325	318	19	the	the	DET
ajfti-2325	318	20	model	model	NOUN
ajfti-2325	318	21	are	be	AUX
ajfti-2325	318	22	normally	normally	ADV
ajfti-2325	318	23	distributed	distribute	VERB
ajfti-2325	318	24	.	.	PUNCT
ajfti-2325	319	1	normal	normal	ADJ
ajfti-2325	319	2	distribution	distribution	NOUN
ajfti-2325	319	3	of	of	ADP
ajfti-2325	319	4	residuals	residual	NOUN
ajfti-2325	319	5	is	be	AUX
ajfti-2325	319	6	a	a	DET
ajfti-2325	319	7	key	key	ADJ
ajfti-2325	319	8	assumption	assumption	NOUN
ajfti-2325	319	9	for	for	ADP
ajfti-2325	319	10	many	many	ADJ
ajfti-2325	319	11	statistical	statistical	ADJ
ajfti-2325	319	12	tests	test	NOUN
ajfti-2325	319	13	and	and	CCONJ
ajfti-2325	319	14	is	be	AUX
ajfti-2325	319	15	pivotal	pivotal	ADJ
ajfti-2325	319	16	for	for	ADP
ajfti-2325	319	17	the	the	DET
ajfti-2325	319	18	validity	validity	NOUN
ajfti-2325	319	19	of	of	ADP
ajfti-2325	319	20	many	many	ADJ
ajfti-2325	319	21	inferences	inference	NOUN
ajfti-2325	319	22	drawn	draw	VERB
ajfti-2325	319	23	from	from	ADP
ajfti-2325	319	24	the	the	DET
ajfti-2325	319	25	regression	regression	NOUN
ajfti-2325	319	26	model	model	NOUN
ajfti-2325	319	27	.	.	PUNCT
ajfti-2325	320	1	the	the	DET
ajfti-2325	320	2	jarque	jarque	NOUN
ajfti-2325	320	3	-	-	PUNCT
ajfti-2325	320	4	bera	bera	NOUN
ajfti-2325	320	5	value	value	NOUN
ajfti-2325	320	6	stands	stand	VERB
ajfti-2325	320	7	at	at	ADP
ajfti-2325	320	8	3.592803	3.592803	NUM
ajfti-2325	320	9	with	with	ADP
ajfti-2325	320	10	a	a	DET
ajfti-2325	320	11	probability	probability	NOUN
ajfti-2325	320	12	of	of	ADP
ajfti-2325	320	13	0.1658	0.1658	NUM
ajfti-2325	320	14	.	.	PUNCT
ajfti-2325	321	1	the	the	DET
ajfti-2325	321	2	probability	probability	NOUN
ajfti-2325	321	3	value	value	NOUN
ajfti-2325	321	4	being	be	AUX
ajfti-2325	321	5	greater	great	ADJ
ajfti-2325	321	6	than	than	ADP
ajfti-2325	321	7	the	the	DET
ajfti-2325	321	8	conventional	conventional	ADJ
ajfti-2325	321	9	significance	significance	NOUN
ajfti-2325	321	10	levels	level	NOUN
ajfti-2325	321	11	indicates	indicate	VERB
ajfti-2325	321	12	that	that	SCONJ
ajfti-2325	321	13	the	the	DET
ajfti-2325	321	14	residuals	residual	NOUN
ajfti-2325	321	15	do	do	AUX
ajfti-2325	321	16	not	not	PART
ajfti-2325	321	17	significantly	significantly	ADV
ajfti-2325	321	18	deviate	deviate	VERB
ajfti-2325	321	19	from	from	ADP
ajfti-2325	321	20	a	a	DET
ajfti-2325	321	21	normal	normal	ADJ
ajfti-2325	321	22	pa	pa	PROPN
ajfti-2325	321	23	ge	ge	PROPN
ajfti-2325	321	24	44	44	NUM
ajfti-2325	321	25	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	NOUN
ajfti-2325	321	26	am	be	AUX
ajfti-2325	321	27	.	.	PUNCT
ajfti-2325	322	1	j.	j.	PROPN
ajfti-2325	322	2	financ	financ	PROPN
ajfti-2325	322	3	.	.	PUNCT
ajfti-2325	323	1	technol	technol	PROPN
ajfti-2325	323	2	.	.	PUNCT
ajfti-2325	323	3	innov	innov	PROPN
ajfti-2325	323	4	.	.	PUNCT
ajfti-2325	324	1	1(1	1(1	NUM
ajfti-2325	324	2	)	)	PUNCT
ajfti-2325	324	3	35	35	NUM
ajfti-2325	324	4	-	-	SYM
ajfti-2325	324	5	45	45	NUM
ajfti-2325	324	6	,	,	PUNCT
ajfti-2325	324	7	2023	2023	NUM
ajfti-2325	324	8	distribution	distribution	NOUN
ajfti-2325	324	9	.	.	PUNCT
ajfti-2325	325	1	therefore	therefore	ADV
ajfti-2325	325	2	,	,	PUNCT
ajfti-2325	325	3	the	the	DET
ajfti-2325	325	4	residual	residual	ADJ
ajfti-2325	325	5	tests	test	NOUN
ajfti-2325	325	6	from	from	ADP
ajfti-2325	325	7	table	table	NOUN
ajfti-2325	325	8	5	5	NUM
ajfti-2325	325	9	suggest	suggest	VERB
ajfti-2325	325	10	that	that	SCONJ
ajfti-2325	325	11	the	the	DET
ajfti-2325	325	12	regression	regression	NOUN
ajfti-2325	325	13	model	model	NOUN
ajfti-2325	325	14	employed	employ	VERB
ajfti-2325	325	15	in	in	ADP
ajfti-2325	325	16	studying	study	VERB
ajfti-2325	325	17	the	the	DET
ajfti-2325	325	18	nexus	nexus	NOUN
ajfti-2325	325	19	between	between	ADP
ajfti-2325	325	20	financial	financial	ADJ
ajfti-2325	325	21	technology	technology	NOUN
ajfti-2325	325	22	and	and	CCONJ
ajfti-2325	325	23	economic	economic	ADJ
ajfti-2325	325	24	growth	growth	NOUN
ajfti-2325	325	25	in	in	ADP
ajfti-2325	325	26	nigeria	nigeria	PROPN
ajfti-2325	325	27	seems	seem	VERB
ajfti-2325	325	28	well	well	ADV
ajfti-2325	325	29	-	-	PUNCT
ajfti-2325	325	30	fitted	fit	VERB
ajfti-2325	325	31	,	,	PUNCT
ajfti-2325	325	32	with	with	ADP
ajfti-2325	325	33	no	no	DET
ajfti-2325	325	34	evidence	evidence	NOUN
ajfti-2325	325	35	of	of	ADP
ajfti-2325	325	36	significant	significant	ADJ
ajfti-2325	325	37	serial	serial	ADJ
ajfti-2325	325	38	correlation	correlation	NOUN
ajfti-2325	325	39	in	in	ADP
ajfti-2325	325	40	the	the	DET
ajfti-2325	325	41	residuals	residual	NOUN
ajfti-2325	325	42	and	and	CCONJ
ajfti-2325	325	43	with	with	ADP
ajfti-2325	325	44	residuals	residual	NOUN
ajfti-2325	325	45	that	that	PRON
ajfti-2325	325	46	are	be	AUX
ajfti-2325	325	47	approximately	approximately	ADV
ajfti-2325	325	48	normally	normally	ADV
ajfti-2325	325	49	distributed	distribute	VERB
ajfti-2325	325	50	.	.	PUNCT
ajfti-2325	326	1	this	this	PRON
ajfti-2325	326	2	reinforces	reinforce	VERB
ajfti-2325	326	3	the	the	DET
ajfti-2325	326	4	reliability	reliability	NOUN
ajfti-2325	326	5	of	of	ADP
ajfti-2325	326	6	the	the	DET
ajfti-2325	326	7	conclusions	conclusion	NOUN
ajfti-2325	326	8	and	and	CCONJ
ajfti-2325	326	9	inferences	inference	NOUN
ajfti-2325	326	10	drawn	draw	VERB
ajfti-2325	326	11	from	from	ADP
ajfti-2325	326	12	the	the	DET
ajfti-2325	326	13	model	model	NOUN
ajfti-2325	326	14	regarding	regard	VERB
ajfti-2325	326	15	the	the	DET
ajfti-2325	326	16	role	role	NOUN
ajfti-2325	326	17	of	of	ADP
ajfti-2325	326	18	fintech	fintech	NOUN
ajfti-2325	326	19	in	in	ADP
ajfti-2325	326	20	nigeria	nigeria	PROPN
ajfti-2325	326	21	’s	’s	PART
ajfti-2325	326	22	economic	economic	ADJ
ajfti-2325	326	23	trajectory	trajectory	NOUN
ajfti-2325	326	24	.	.	PUNCT
ajfti-2325	327	1	discussion	discussion	NOUN
ajfti-2325	327	2	findings	finding	NOUN
ajfti-2325	327	3	from	from	ADP
ajfti-2325	327	4	the	the	DET
ajfti-2325	327	5	study	study	NOUN
ajfti-2325	327	6	indicate	indicate	VERB
ajfti-2325	327	7	that	that	SCONJ
ajfti-2325	327	8	instant	instant	ADJ
ajfti-2325	327	9	pay	pay	NOUN
ajfti-2325	327	10	transactions	transaction	NOUN
ajfti-2325	327	11	(	(	PUNCT
ajfti-2325	327	12	ipt	ipt	NOUN
ajfti-2325	327	13	)	)	PUNCT
ajfti-2325	327	14	exhibit	exhibit	VERB
ajfti-2325	327	15	a	a	DET
ajfti-2325	327	16	negative	negative	ADJ
ajfti-2325	327	17	,	,	PUNCT
ajfti-2325	327	18	yet	yet	CCONJ
ajfti-2325	327	19	statistically	statistically	ADV
ajfti-2325	327	20	significant	significant	ADJ
ajfti-2325	327	21	,	,	PUNCT
ajfti-2325	327	22	impact	impact	NOUN
ajfti-2325	327	23	on	on	ADP
ajfti-2325	327	24	economic	economic	ADJ
ajfti-2325	327	25	growth	growth	NOUN
ajfti-2325	327	26	in	in	ADP
ajfti-2325	327	27	nigeria	nigeria	PROPN
ajfti-2325	327	28	.	.	PUNCT
ajfti-2325	328	1	the	the	DET
ajfti-2325	328	2	implication	implication	NOUN
ajfti-2325	328	3	of	of	ADP
ajfti-2325	328	4	this	this	DET
ajfti-2325	328	5	observed	observe	VERB
ajfti-2325	328	6	negative	negative	ADJ
ajfti-2325	328	7	effect	effect	NOUN
ajfti-2325	328	8	is	be	AUX
ajfti-2325	328	9	that	that	SCONJ
ajfti-2325	328	10	while	while	SCONJ
ajfti-2325	328	11	instant	instant	ADJ
ajfti-2325	328	12	pay	pay	NOUN
ajfti-2325	328	13	transactions	transaction	NOUN
ajfti-2325	328	14	may	may	AUX
ajfti-2325	328	15	have	have	VERB
ajfti-2325	328	16	streamlined	streamline	VERB
ajfti-2325	328	17	payments	payment	NOUN
ajfti-2325	328	18	and	and	CCONJ
ajfti-2325	328	19	remittances	remittance	NOUN
ajfti-2325	328	20	,	,	PUNCT
ajfti-2325	328	21	simplifying	simplify	VERB
ajfti-2325	328	22	financial	financial	ADJ
ajfti-2325	328	23	processes	process	NOUN
ajfti-2325	328	24	for	for	ADP
ajfti-2325	328	25	both	both	DET
ajfti-2325	328	26	individuals	individual	NOUN
ajfti-2325	328	27	and	and	CCONJ
ajfti-2325	328	28	businesses	business	NOUN
ajfti-2325	328	29	,	,	PUNCT
ajfti-2325	328	30	they	they	PRON
ajfti-2325	328	31	could	could	AUX
ajfti-2325	328	32	be	be	AUX
ajfti-2325	328	33	inadvertently	inadvertently	ADV
ajfti-2325	328	34	stifling	stifle	VERB
ajfti-2325	328	35	longer	long	ADJ
ajfti-2325	328	36	-	-	PUNCT
ajfti-2325	328	37	term	term	NOUN
ajfti-2325	328	38	economic	economic	ADJ
ajfti-2325	328	39	growth	growth	NOUN
ajfti-2325	328	40	.	.	PUNCT
ajfti-2325	329	1	one	one	NUM
ajfti-2325	329	2	conceivable	conceivable	ADJ
ajfti-2325	329	3	interpretation	interpretation	NOUN
ajfti-2325	329	4	is	be	AUX
ajfti-2325	329	5	that	that	SCONJ
ajfti-2325	329	6	the	the	DET
ajfti-2325	329	7	immediate	immediate	ADJ
ajfti-2325	329	8	gratification	gratification	NOUN
ajfti-2325	329	9	offered	offer	VERB
ajfti-2325	329	10	by	by	ADP
ajfti-2325	329	11	instant	instant	ADJ
ajfti-2325	329	12	payments	payment	NOUN
ajfti-2325	329	13	may	may	AUX
ajfti-2325	329	14	be	be	AUX
ajfti-2325	329	15	encouraging	encourage	VERB
ajfti-2325	329	16	a	a	DET
ajfti-2325	329	17	culture	culture	NOUN
ajfti-2325	329	18	of	of	ADP
ajfti-2325	329	19	instantaneous	instantaneous	ADJ
ajfti-2325	329	20	consumption	consumption	NOUN
ajfti-2325	329	21	at	at	ADP
ajfti-2325	329	22	the	the	DET
ajfti-2325	329	23	expense	expense	NOUN
ajfti-2325	329	24	of	of	ADP
ajfti-2325	329	25	more	more	ADV
ajfti-2325	329	26	sustainable	sustainable	ADJ
ajfti-2325	329	27	,	,	PUNCT
ajfti-2325	329	28	long	long	ADJ
ajfti-2325	329	29	-	-	PUNCT
ajfti-2325	329	30	term	term	NOUN
ajfti-2325	329	31	investments	investment	NOUN
ajfti-2325	329	32	that	that	PRON
ajfti-2325	329	33	are	be	AUX
ajfti-2325	329	34	vital	vital	ADJ
ajfti-2325	329	35	for	for	ADP
ajfti-2325	329	36	robust	robust	ADJ
ajfti-2325	329	37	economic	economic	ADJ
ajfti-2325	329	38	expansion	expansion	NOUN
ajfti-2325	329	39	.	.	PUNCT
ajfti-2325	330	1	furthermore	furthermore	ADV
ajfti-2325	330	2	,	,	PUNCT
ajfti-2325	330	3	the	the	DET
ajfti-2325	330	4	ease	ease	NOUN
ajfti-2325	330	5	of	of	ADP
ajfti-2325	330	6	instant	instant	ADJ
ajfti-2325	330	7	transactions	transaction	NOUN
ajfti-2325	330	8	could	could	AUX
ajfti-2325	330	9	be	be	AUX
ajfti-2325	330	10	creating	create	VERB
ajfti-2325	330	11	a	a	DET
ajfti-2325	330	12	transient	transient	ADJ
ajfti-2325	330	13	economic	economic	ADJ
ajfti-2325	330	14	environment	environment	NOUN
ajfti-2325	330	15	,	,	PUNCT
ajfti-2325	330	16	where	where	SCONJ
ajfti-2325	330	17	funds	fund	NOUN
ajfti-2325	330	18	are	be	AUX
ajfti-2325	330	19	rapidly	rapidly	ADV
ajfti-2325	330	20	circulated	circulate	VERB
ajfti-2325	330	21	but	but	CCONJ
ajfti-2325	330	22	not	not	PART
ajfti-2325	330	23	necessarily	necessarily	ADV
ajfti-2325	330	24	utilized	utilize	VERB
ajfti-2325	330	25	in	in	ADP
ajfti-2325	330	26	avenues	avenue	NOUN
ajfti-2325	330	27	that	that	PRON
ajfti-2325	330	28	stimulate	stimulate	VERB
ajfti-2325	330	29	meaningful	meaningful	ADJ
ajfti-2325	330	30	economic	economic	ADJ
ajfti-2325	330	31	development	development	NOUN
ajfti-2325	330	32	or	or	CCONJ
ajfti-2325	330	33	growth	growth	NOUN
ajfti-2325	330	34	.	.	PUNCT
ajfti-2325	331	1	this	this	DET
ajfti-2325	331	2	understanding	understanding	NOUN
ajfti-2325	331	3	resonates	resonate	VERB
ajfti-2325	331	4	with	with	ADP
ajfti-2325	331	5	a	a	DET
ajfti-2325	331	6	study	study	NOUN
ajfti-2325	331	7	by	by	ADP
ajfti-2325	331	8	obinna	obinna	NOUN
ajfti-2325	331	9	and	and	CCONJ
ajfti-2325	331	10	uche	uche	PROPN
ajfti-2325	331	11	(	(	PUNCT
ajfti-2325	331	12	2017	2017	NUM
ajfti-2325	331	13	)	)	PUNCT
ajfti-2325	331	14	in	in	ADP
ajfti-2325	331	15	nigeria	nigeria	PROPN
ajfti-2325	331	16	who	who	PRON
ajfti-2325	331	17	found	find	VERB
ajfti-2325	331	18	that	that	SCONJ
ajfti-2325	331	19	while	while	SCONJ
ajfti-2325	331	20	digital	digital	ADJ
ajfti-2325	331	21	payments	payment	NOUN
ajfti-2325	331	22	can	can	AUX
ajfti-2325	331	23	spur	spur	VERB
ajfti-2325	331	24	economic	economic	ADJ
ajfti-2325	331	25	activities	activity	NOUN
ajfti-2325	331	26	,	,	PUNCT
ajfti-2325	331	27	the	the	DET
ajfti-2325	331	28	associated	associated	ADJ
ajfti-2325	331	29	risks	risk	NOUN
ajfti-2325	331	30	,	,	PUNCT
ajfti-2325	331	31	especially	especially	ADV
ajfti-2325	331	32	in	in	ADP
ajfti-2325	331	33	countries	country	NOUN
ajfti-2325	331	34	with	with	ADP
ajfti-2325	331	35	less	less	ADV
ajfti-2325	331	36	mature	mature	ADJ
ajfti-2325	331	37	cyber	cyber	NOUN
ajfti-2325	331	38	-	-	PUNCT
ajfti-2325	331	39	infrastructure	infrastructure	NOUN
ajfti-2325	331	40	,	,	PUNCT
ajfti-2325	331	41	can	can	AUX
ajfti-2325	331	42	be	be	AUX
ajfti-2325	331	43	detrimental	detrimental	ADJ
ajfti-2325	331	44	.	.	PUNCT
ajfti-2325	332	1	the	the	DET
ajfti-2325	332	2	study	study	NOUN
ajfti-2325	332	3	suggests	suggest	VERB
ajfti-2325	332	4	that	that	SCONJ
ajfti-2325	332	5	for	for	ADP
ajfti-2325	332	6	economies	economy	NOUN
ajfti-2325	332	7	like	like	ADP
ajfti-2325	332	8	nigeria	nigeria	PRON
ajfti-2325	332	9	,	,	PUNCT
ajfti-2325	332	10	transitioning	transition	VERB
ajfti-2325	332	11	to	to	ADP
ajfti-2325	332	12	digital	digital	ADJ
ajfti-2325	332	13	modes	mode	NOUN
ajfti-2325	332	14	should	should	AUX
ajfti-2325	332	15	be	be	AUX
ajfti-2325	332	16	gradual	gradual	ADJ
ajfti-2325	332	17	and	and	CCONJ
ajfti-2325	332	18	well	well	ADV
ajfti-2325	332	19	-	-	PUNCT
ajfti-2325	332	20	structured	structure	VERB
ajfti-2325	332	21	.	.	PUNCT
ajfti-2325	333	1	conversely	conversely	ADV
ajfti-2325	333	2	,	,	PUNCT
ajfti-2325	333	3	our	our	PRON
ajfti-2325	333	4	results	result	NOUN
ajfti-2325	333	5	diverge	diverge	VERB
ajfti-2325	333	6	from	from	ADP
ajfti-2325	333	7	the	the	DET
ajfti-2325	333	8	conclusions	conclusion	NOUN
ajfti-2325	333	9	drawn	draw	VERB
ajfti-2325	333	10	by	by	ADP
ajfti-2325	333	11	folorunso	folorunso	NOUN
ajfti-2325	333	12	and	and	CCONJ
ajfti-2325	333	13	ikpefan	ikpefan	PROPN
ajfti-2325	333	14	(	(	PUNCT
ajfti-2325	333	15	2018	2018	NUM
ajfti-2325	333	16	)	)	PUNCT
ajfti-2325	333	17	.	.	PUNCT
ajfti-2325	334	1	their	their	PRON
ajfti-2325	334	2	research	research	NOUN
ajfti-2325	334	3	,	,	PUNCT
ajfti-2325	334	4	which	which	PRON
ajfti-2325	334	5	spanned	span	VERB
ajfti-2325	334	6	several	several	ADJ
ajfti-2325	334	7	african	african	ADJ
ajfti-2325	334	8	countries	country	NOUN
ajfti-2325	334	9	,	,	PUNCT
ajfti-2325	334	10	suggested	suggest	VERB
ajfti-2325	334	11	that	that	SCONJ
ajfti-2325	334	12	instant	instant	ADJ
ajfti-2325	334	13	financial	financial	ADJ
ajfti-2325	334	14	transactions	transaction	NOUN
ajfti-2325	334	15	directly	directly	ADV
ajfti-2325	334	16	correlate	correlate	VERB
ajfti-2325	334	17	with	with	ADP
ajfti-2325	334	18	economic	economic	ADJ
ajfti-2325	334	19	growth	growth	NOUN
ajfti-2325	334	20	.	.	PUNCT
ajfti-2325	335	1	they	they	PRON
ajfti-2325	335	2	argued	argue	VERB
ajfti-2325	335	3	that	that	SCONJ
ajfti-2325	335	4	the	the	DET
ajfti-2325	335	5	proximity	proximity	NOUN
ajfti-2325	335	6	of	of	ADP
ajfti-2325	335	7	such	such	ADJ
ajfti-2325	335	8	transaction	transaction	NOUN
ajfti-2325	335	9	’s	’s	PART
ajfti-2325	335	10	aids	aid	NOUN
ajfti-2325	335	11	in	in	ADP
ajfti-2325	335	12	accelerating	accelerate	VERB
ajfti-2325	335	13	business	business	NOUN
ajfti-2325	335	14	processes	process	NOUN
ajfti-2325	335	15	,	,	PUNCT
ajfti-2325	335	16	reducing	reduce	VERB
ajfti-2325	335	17	downtimes	downtime	NOUN
ajfti-2325	335	18	,	,	PUNCT
ajfti-2325	335	19	and	and	CCONJ
ajfti-2325	335	20	consequently	consequently	ADV
ajfti-2325	335	21	spurring	spur	VERB
ajfti-2325	335	22	economic	economic	ADJ
ajfti-2325	335	23	growth	growth	NOUN
ajfti-2325	335	24	.	.	PUNCT
ajfti-2325	336	1	in	in	ADP
ajfti-2325	336	2	addition	addition	NOUN
ajfti-2325	336	3	,	,	PUNCT
ajfti-2325	336	4	findings	finding	NOUN
ajfti-2325	336	5	from	from	ADP
ajfti-2325	336	6	the	the	DET
ajfti-2325	336	7	study	study	NOUN
ajfti-2325	336	8	showed	show	VERB
ajfti-2325	336	9	that	that	SCONJ
ajfti-2325	336	10	internet	internet	NOUN
ajfti-2325	336	11	(	(	PUNCT
ajfti-2325	336	12	web	web	NOUN
ajfti-2325	336	13	)	)	PUNCT
ajfti-2325	336	14	transactions	transaction	NOUN
ajfti-2325	336	15	have	have	AUX
ajfti-2325	336	16	significantly	significantly	ADV
ajfti-2325	336	17	enhanced	enhance	VERB
ajfti-2325	336	18	nigeria	nigeria	PROPN
ajfti-2325	336	19	’s	’s	PART
ajfti-2325	336	20	economic	economic	ADJ
ajfti-2325	336	21	growth	growth	NOUN
ajfti-2325	336	22	.	.	PUNCT
ajfti-2325	337	1	the	the	DET
ajfti-2325	337	2	findings	finding	NOUN
ajfti-2325	337	3	imply	imply	VERB
ajfti-2325	337	4	that	that	SCONJ
ajfti-2325	337	5	with	with	ADP
ajfti-2325	337	6	the	the	DET
ajfti-2325	337	7	increasing	increase	VERB
ajfti-2325	337	8	adoption	adoption	NOUN
ajfti-2325	337	9	of	of	ADP
ajfti-2325	337	10	web	web	NOUN
ajfti-2325	337	11	-	-	PUNCT
ajfti-2325	337	12	based	base	VERB
ajfti-2325	337	13	transactions	transaction	NOUN
ajfti-2325	337	14	,	,	PUNCT
ajfti-2325	337	15	there	there	PRON
ajfti-2325	337	16	’s	’	VERB
ajfti-2325	337	17	an	an	DET
ajfti-2325	337	18	obvious	obvious	ADJ
ajfti-2325	337	19	positive	positive	ADJ
ajfti-2325	337	20	shift	shift	NOUN
ajfti-2325	337	21	in	in	ADP
ajfti-2325	337	22	nigeria	nigeria	PROPN
ajfti-2325	337	23	’s	’s	PART
ajfti-2325	337	24	economic	economic	ADJ
ajfti-2325	337	25	growth	growth	NOUN
ajfti-2325	337	26	.	.	PUNCT
ajfti-2325	338	1	one	one	NUM
ajfti-2325	338	2	of	of	ADP
ajfti-2325	338	3	the	the	DET
ajfti-2325	338	4	primary	primary	ADJ
ajfti-2325	338	5	reasons	reason	NOUN
ajfti-2325	338	6	is	be	AUX
ajfti-2325	338	7	the	the	DET
ajfti-2325	338	8	direct	direct	ADJ
ajfti-2325	338	9	access	access	NOUN
ajfti-2325	338	10	to	to	ADP
ajfti-2325	338	11	a	a	DET
ajfti-2325	338	12	broader	broad	ADJ
ajfti-2325	338	13	market	market	NOUN
ajfti-2325	338	14	provided	provide	VERB
ajfti-2325	338	15	by	by	ADP
ajfti-2325	338	16	the	the	DET
ajfti-2325	338	17	internet	internet	NOUN
ajfti-2325	338	18	,	,	PUNCT
ajfti-2325	338	19	eliminating	eliminate	VERB
ajfti-2325	338	20	many	many	ADJ
ajfti-2325	338	21	geographical	geographical	ADJ
ajfti-2325	338	22	and	and	CCONJ
ajfti-2325	338	23	logistical	logistical	ADJ
ajfti-2325	338	24	barriers	barrier	NOUN
ajfti-2325	338	25	that	that	PRON
ajfti-2325	338	26	previously	previously	ADV
ajfti-2325	338	27	hindered	hinder	VERB
ajfti-2325	338	28	growth	growth	NOUN
ajfti-2325	338	29	.	.	PUNCT
ajfti-2325	339	1	furthermore	furthermore	ADV
ajfti-2325	339	2	,	,	PUNCT
ajfti-2325	339	3	businesses	business	NOUN
ajfti-2325	339	4	,	,	PUNCT
ajfti-2325	339	5	especially	especially	ADV
ajfti-2325	339	6	small	small	ADJ
ajfti-2325	339	7	and	and	CCONJ
ajfti-2325	339	8	mediumsized	mediumsized	ADJ
ajfti-2325	339	9	enterprises	enterprise	NOUN
ajfti-2325	339	10	,	,	PUNCT
ajfti-2325	339	11	have	have	AUX
ajfti-2325	339	12	been	be	AUX
ajfti-2325	339	13	able	able	ADJ
ajfti-2325	339	14	to	to	PART
ajfti-2325	339	15	tap	tap	VERB
ajfti-2325	339	16	into	into	ADP
ajfti-2325	339	17	new	new	ADJ
ajfti-2325	339	18	revenue	revenue	NOUN
ajfti-2325	339	19	streams	stream	NOUN
ajfti-2325	339	20	,	,	PUNCT
ajfti-2325	339	21	ensuring	ensure	VERB
ajfti-2325	339	22	a	a	DET
ajfti-2325	339	23	more	more	ADV
ajfti-2325	339	24	sustained	sustained	ADJ
ajfti-2325	339	25	cash	cash	NOUN
ajfti-2325	339	26	flow	flow	NOUN
ajfti-2325	339	27	and	and	CCONJ
ajfti-2325	339	28	enabling	enable	VERB
ajfti-2325	339	29	them	they	PRON
ajfti-2325	339	30	to	to	PART
ajfti-2325	339	31	reinvest	reinvest	VERB
ajfti-2325	339	32	in	in	ADP
ajfti-2325	339	33	their	their	PRON
ajfti-2325	339	34	ventures	venture	NOUN
ajfti-2325	339	35	.	.	PUNCT
ajfti-2325	340	1	this	this	DET
ajfti-2325	340	2	perspective	perspective	NOUN
ajfti-2325	340	3	aligns	align	VERB
ajfti-2325	340	4	with	with	ADP
ajfti-2325	340	5	the	the	DET
ajfti-2325	340	6	study	study	NOUN
ajfti-2325	340	7	by	by	ADP
ajfti-2325	340	8	mutua	mutua	PROPN
ajfti-2325	340	9	and	and	CCONJ
ajfti-2325	340	10	ouma	ouma	PROPN
ajfti-2325	340	11	(	(	PUNCT
ajfti-2325	340	12	2017	2017	NUM
ajfti-2325	340	13	)	)	PUNCT
ajfti-2325	340	14	from	from	ADP
ajfti-2325	340	15	kenya	kenya	PROPN
ajfti-2325	340	16	,	,	PUNCT
ajfti-2325	340	17	who	who	PRON
ajfti-2325	340	18	observed	observe	VERB
ajfti-2325	340	19	that	that	SCONJ
ajfti-2325	340	20	the	the	DET
ajfti-2325	340	21	increase	increase	NOUN
ajfti-2325	340	22	in	in	ADP
ajfti-2325	340	23	web	web	NOUN
ajfti-2325	340	24	transactions	transaction	NOUN
ajfti-2325	340	25	,	,	PUNCT
ajfti-2325	340	26	facilitated	facilitate	VERB
ajfti-2325	340	27	mainly	mainly	ADV
ajfti-2325	340	28	by	by	ADP
ajfti-2325	340	29	mobile	mobile	ADJ
ajfti-2325	340	30	banking	banking	NOUN
ajfti-2325	340	31	and	and	CCONJ
ajfti-2325	340	32	e	e	NOUN
ajfti-2325	340	33	-	-	NOUN
ajfti-2325	340	34	commerce	commerce	NOUN
ajfti-2325	340	35	,	,	PUNCT
ajfti-2325	340	36	has	have	AUX
ajfti-2325	340	37	been	be	AUX
ajfti-2325	340	38	pivotal	pivotal	ADJ
ajfti-2325	340	39	in	in	ADP
ajfti-2325	340	40	the	the	DET
ajfti-2325	340	41	country	country	NOUN
ajfti-2325	340	42	’s	’s	PART
ajfti-2325	340	43	recent	recent	ADJ
ajfti-2325	340	44	economic	economic	ADJ
ajfti-2325	340	45	growth	growth	NOUN
ajfti-2325	340	46	.	.	PUNCT
ajfti-2325	341	1	they	they	PRON
ajfti-2325	341	2	argued	argue	VERB
ajfti-2325	341	3	that	that	SCONJ
ajfti-2325	341	4	technological	technological	ADJ
ajfti-2325	341	5	advances	advance	NOUN
ajfti-2325	341	6	in	in	ADP
ajfti-2325	341	7	financial	financial	ADJ
ajfti-2325	341	8	platforms	platform	NOUN
ajfti-2325	341	9	have	have	AUX
ajfti-2325	341	10	enabled	enable	VERB
ajfti-2325	341	11	better	well	ADJ
ajfti-2325	341	12	financial	financial	ADJ
ajfti-2325	341	13	inclusivity	inclusivity	NOUN
ajfti-2325	341	14	,	,	PUNCT
ajfti-2325	341	15	ensuring	ensure	VERB
ajfti-2325	341	16	that	that	SCONJ
ajfti-2325	341	17	even	even	ADV
ajfti-2325	341	18	the	the	DET
ajfti-2325	341	19	traditionally	traditionally	ADV
ajfti-2325	341	20	unbanked	unbanked	ADJ
ajfti-2325	341	21	populations	population	NOUN
ajfti-2325	341	22	participate	participate	VERB
ajfti-2325	341	23	in	in	ADP
ajfti-2325	341	24	the	the	DET
ajfti-2325	341	25	economy	economy	NOUN
ajfti-2325	341	26	.	.	PUNCT
ajfti-2325	342	1	similarly	similarly	ADV
ajfti-2325	342	2	,	,	PUNCT
ajfti-2325	342	3	patil	patil	PROPN
ajfti-2325	342	4	and	and	CCONJ
ajfti-2325	342	5	kumar	kumar	PROPN
ajfti-2325	342	6	(	(	PUNCT
ajfti-2325	342	7	2018	2018	NUM
ajfti-2325	342	8	)	)	PUNCT
ajfti-2325	342	9	from	from	ADP
ajfti-2325	342	10	india	india	PROPN
ajfti-2325	342	11	shared	share	VERB
ajfti-2325	342	12	insights	insight	NOUN
ajfti-2325	342	13	into	into	ADP
ajfti-2325	342	14	how	how	SCONJ
ajfti-2325	342	15	digital	digital	ADJ
ajfti-2325	342	16	transactions	transaction	NOUN
ajfti-2325	342	17	,	,	PUNCT
ajfti-2325	342	18	especially	especially	ADV
ajfti-2325	342	19	in	in	ADP
ajfti-2325	342	20	the	the	DET
ajfti-2325	342	21	e	e	NOUN
ajfti-2325	342	22	-	-	NOUN
ajfti-2325	342	23	commerce	commerce	NOUN
ajfti-2325	342	24	and	and	CCONJ
ajfti-2325	342	25	service	service	NOUN
ajfti-2325	342	26	sectors	sector	NOUN
ajfti-2325	342	27	,	,	PUNCT
ajfti-2325	342	28	have	have	AUX
ajfti-2325	342	29	augmented	augment	VERB
ajfti-2325	342	30	the	the	DET
ajfti-2325	342	31	country	country	NOUN
ajfti-2325	342	32	’s	’s	PART
ajfti-2325	342	33	gdp	gdp	NOUN
ajfti-2325	342	34	growth	growth	NOUN
ajfti-2325	342	35	.	.	PUNCT
ajfti-2325	343	1	lastly	lastly	ADV
ajfti-2325	343	2	,	,	PUNCT
ajfti-2325	343	3	findings	finding	NOUN
ajfti-2325	343	4	from	from	ADP
ajfti-2325	343	5	this	this	DET
ajfti-2325	343	6	study	study	NOUN
ajfti-2325	343	7	suggest	suggest	VERB
ajfti-2325	343	8	that	that	SCONJ
ajfti-2325	343	9	mobile	mobile	ADJ
ajfti-2325	343	10	payment	payment	NOUN
ajfti-2325	343	11	transactions	transaction	NOUN
ajfti-2325	343	12	(	(	PUNCT
ajfti-2325	343	13	mpt	mpt	NOUN
ajfti-2325	343	14	)	)	PUNCT
ajfti-2325	343	15	have	have	VERB
ajfti-2325	343	16	a	a	DET
ajfti-2325	343	17	positive	positive	ADJ
ajfti-2325	343	18	and	and	CCONJ
ajfti-2325	343	19	significant	significant	ADJ
ajfti-2325	343	20	impact	impact	NOUN
ajfti-2325	343	21	on	on	ADP
ajfti-2325	343	22	nigeria	nigeria	PROPN
ajfti-2325	343	23	’s	’s	PART
ajfti-2325	343	24	economic	economic	ADJ
ajfti-2325	343	25	growth	growth	NOUN
ajfti-2325	343	26	.	.	PUNCT
ajfti-2325	344	1	the	the	DET
ajfti-2325	344	2	implications	implication	NOUN
ajfti-2325	344	3	of	of	ADP
ajfti-2325	344	4	these	these	DET
ajfti-2325	344	5	findings	finding	NOUN
ajfti-2325	344	6	reveal	reveal	VERB
ajfti-2325	344	7	that	that	SCONJ
ajfti-2325	344	8	the	the	DET
ajfti-2325	344	9	increase	increase	NOUN
ajfti-2325	344	10	in	in	ADP
ajfti-2325	344	11	the	the	DET
ajfti-2325	344	12	adoption	adoption	NOUN
ajfti-2325	344	13	and	and	CCONJ
ajfti-2325	344	14	use	use	NOUN
ajfti-2325	344	15	of	of	ADP
ajfti-2325	344	16	mobile	mobile	ADJ
ajfti-2325	344	17	payment	payment	NOUN
ajfti-2325	344	18	platforms	platform	NOUN
ajfti-2325	344	19	has	have	AUX
ajfti-2325	344	20	dynamically	dynamically	ADV
ajfti-2325	344	21	transformed	transform	VERB
ajfti-2325	344	22	the	the	DET
ajfti-2325	344	23	nigerian	nigerian	ADJ
ajfti-2325	344	24	financial	financial	ADJ
ajfti-2325	344	25	landscape	landscape	NOUN
ajfti-2325	344	26	,	,	PUNCT
ajfti-2325	344	27	providing	provide	VERB
ajfti-2325	344	28	easy	easy	ADJ
ajfti-2325	344	29	access	access	NOUN
ajfti-2325	344	30	to	to	ADP
ajfti-2325	344	31	financial	financial	ADJ
ajfti-2325	344	32	services	service	NOUN
ajfti-2325	344	33	and	and	CCONJ
ajfti-2325	344	34	facilitating	facilitate	VERB
ajfti-2325	344	35	swift	swift	ADJ
ajfti-2325	344	36	and	and	CCONJ
ajfti-2325	344	37	secure	secure	ADJ
ajfti-2325	344	38	transactions	transaction	NOUN
ajfti-2325	344	39	.	.	PUNCT
ajfti-2325	345	1	the	the	DET
ajfti-2325	345	2	broader	broad	ADJ
ajfti-2325	345	3	acceptance	acceptance	NOUN
ajfti-2325	345	4	of	of	ADP
ajfti-2325	345	5	these	these	DET
ajfti-2325	345	6	platforms	platform	NOUN
ajfti-2325	345	7	has	have	AUX
ajfti-2325	345	8	enhanced	enhance	VERB
ajfti-2325	345	9	economic	economic	ADJ
ajfti-2325	345	10	activities	activity	NOUN
ajfti-2325	345	11	by	by	ADP
ajfti-2325	345	12	empowering	empower	VERB
ajfti-2325	345	13	a	a	DET
ajfti-2325	345	14	larger	large	ADJ
ajfti-2325	345	15	portion	portion	NOUN
ajfti-2325	345	16	of	of	ADP
ajfti-2325	345	17	the	the	DET
ajfti-2325	345	18	population	population	NOUN
ajfti-2325	345	19	,	,	PUNCT
ajfti-2325	345	20	especially	especially	ADV
ajfti-2325	345	21	those	those	PRON
ajfti-2325	345	22	in	in	ADP
ajfti-2325	345	23	remote	remote	ADJ
ajfti-2325	345	24	areas	area	NOUN
ajfti-2325	345	25	,	,	PUNCT
ajfti-2325	345	26	to	to	PART
ajfti-2325	345	27	participate	participate	VERB
ajfti-2325	345	28	in	in	ADP
ajfti-2325	345	29	the	the	DET
ajfti-2325	345	30	digital	digital	ADJ
ajfti-2325	345	31	economy	economy	NOUN
ajfti-2325	345	32	.	.	PUNCT
ajfti-2325	346	1	additionally	additionally	ADV
ajfti-2325	346	2	,	,	PUNCT
ajfti-2325	346	3	the	the	DET
ajfti-2325	346	4	surge	surge	NOUN
ajfti-2325	346	5	in	in	ADP
ajfti-2325	346	6	mobile	mobile	ADJ
ajfti-2325	346	7	payments	payment	NOUN
ajfti-2325	346	8	has	have	AUX
ajfti-2325	346	9	reduced	reduce	VERB
ajfti-2325	346	10	the	the	DET
ajfti-2325	346	11	dependency	dependency	NOUN
ajfti-2325	346	12	on	on	ADP
ajfti-2325	346	13	physical	physical	ADJ
ajfti-2325	346	14	banking	banking	NOUN
ajfti-2325	346	15	infrastructure	infrastructure	NOUN
ajfti-2325	346	16	,	,	PUNCT
ajfti-2325	346	17	leading	lead	VERB
ajfti-2325	346	18	to	to	ADP
ajfti-2325	346	19	reducing	reduce	VERB
ajfti-2325	346	20	operational	operational	ADJ
ajfti-2325	346	21	costs	cost	NOUN
ajfti-2325	346	22	for	for	ADP
ajfti-2325	346	23	banks	bank	NOUN
ajfti-2325	346	24	and	and	CCONJ
ajfti-2325	346	25	fostering	foster	VERB
ajfti-2325	346	26	financial	financial	ADJ
ajfti-2325	346	27	inclusivity	inclusivity	NOUN
ajfti-2325	346	28	.	.	PUNCT
ajfti-2325	347	1	this	this	DET
ajfti-2325	347	2	finding	finding	NOUN
ajfti-2325	347	3	is	be	AUX
ajfti-2325	347	4	in	in	ADP
ajfti-2325	347	5	line	line	NOUN
ajfti-2325	347	6	with	with	ADP
ajfti-2325	347	7	the	the	DET
ajfti-2325	347	8	findings	finding	NOUN
ajfti-2325	347	9	of	of	ADP
ajfti-2325	347	10	kamau	kamau	PROPN
ajfti-2325	347	11	and	and	CCONJ
ajfti-2325	347	12	waiganjo	waiganjo	ADJ
ajfti-2325	347	13	(	(	PUNCT
ajfti-2325	347	14	2016	2016	NUM
ajfti-2325	347	15	)	)	PUNCT
ajfti-2325	347	16	,	,	PUNCT
ajfti-2325	347	17	who	who	PRON
ajfti-2325	347	18	explored	explore	VERB
ajfti-2325	347	19	the	the	DET
ajfti-2325	347	20	transformative	transformative	ADJ
ajfti-2325	347	21	effect	effect	NOUN
ajfti-2325	347	22	of	of	ADP
ajfti-2325	347	23	mobile	mobile	ADJ
ajfti-2325	347	24	banking	banking	NOUN
ajfti-2325	347	25	in	in	ADP
ajfti-2325	347	26	kenya	kenya	PROPN
ajfti-2325	347	27	.	.	PUNCT
ajfti-2325	348	1	their	their	PRON
ajfti-2325	348	2	research	research	NOUN
ajfti-2325	348	3	posits	posit	NOUN
ajfti-2325	348	4	that	that	SCONJ
ajfti-2325	348	5	the	the	DET
ajfti-2325	348	6	rise	rise	NOUN
ajfti-2325	348	7	of	of	ADP
ajfti-2325	348	8	mobile	mobile	ADJ
ajfti-2325	348	9	banking	banking	NOUN
ajfti-2325	348	10	systems	system	NOUN
ajfti-2325	348	11	catalyzed	catalyze	VERB
ajfti-2325	348	12	the	the	DET
ajfti-2325	348	13	growth	growth	NOUN
ajfti-2325	348	14	of	of	ADP
ajfti-2325	348	15	small	small	ADJ
ajfti-2325	348	16	and	and	CCONJ
ajfti-2325	348	17	medium	medium	ADJ
ajfti-2325	348	18	-	-	PUNCT
ajfti-2325	348	19	sized	sized	ADJ
ajfti-2325	348	20	enterprises	enterprise	NOUN
ajfti-2325	348	21	(	(	PUNCT
ajfti-2325	348	22	smes	sme	NOUN
ajfti-2325	348	23	)	)	PUNCT
ajfti-2325	348	24	,	,	PUNCT
ajfti-2325	348	25	a	a	DET
ajfti-2325	348	26	backbone	backbone	NOUN
ajfti-2325	348	27	of	of	ADP
ajfti-2325	348	28	the	the	DET
ajfti-2325	348	29	kenyan	kenyan	ADJ
ajfti-2325	348	30	economy	economy	NOUN
ajfti-2325	348	31	,	,	PUNCT
ajfti-2325	348	32	by	by	ADP
ajfti-2325	348	33	providing	provide	VERB
ajfti-2325	348	34	them	they	PRON
ajfti-2325	348	35	with	with	ADP
ajfti-2325	348	36	convenient	convenient	ADJ
ajfti-2325	348	37	financial	financial	ADJ
ajfti-2325	348	38	tools	tool	NOUN
ajfti-2325	348	39	and	and	CCONJ
ajfti-2325	348	40	services	service	NOUN
ajfti-2325	348	41	.	.	PUNCT
ajfti-2325	349	1	conclusion	conclusion	NOUN
ajfti-2325	349	2	over	over	ADP
ajfti-2325	349	3	the	the	DET
ajfti-2325	349	4	past	past	ADJ
ajfti-2325	349	5	decade	decade	NOUN
ajfti-2325	349	6	,	,	PUNCT
ajfti-2325	349	7	financial	financial	ADJ
ajfti-2325	349	8	technology	technology	NOUN
ajfti-2325	349	9	has	have	AUX
ajfti-2325	349	10	prominently	prominently	ADV
ajfti-2325	349	11	emerged	emerge	VERB
ajfti-2325	349	12	as	as	ADP
ajfti-2325	349	13	a	a	DET
ajfti-2325	349	14	significant	significant	ADJ
ajfti-2325	349	15	driver	driver	NOUN
ajfti-2325	349	16	influencing	influence	VERB
ajfti-2325	349	17	economic	economic	ADJ
ajfti-2325	349	18	growth	growth	NOUN
ajfti-2325	349	19	,	,	PUNCT
ajfti-2325	349	20	especially	especially	ADV
ajfti-2325	349	21	in	in	ADP
ajfti-2325	349	22	developing	develop	VERB
ajfti-2325	349	23	nations	nation	NOUN
ajfti-2325	349	24	such	such	ADJ
ajfti-2325	349	25	as	as	ADP
ajfti-2325	349	26	nigeria	nigeria	PROPN
ajfti-2325	349	27	.	.	PUNCT
ajfti-2325	350	1	our	our	PRON
ajfti-2325	350	2	primary	primary	ADJ
ajfti-2325	350	3	objective	objective	NOUN
ajfti-2325	350	4	was	be	AUX
ajfti-2325	350	5	to	to	PART
ajfti-2325	350	6	investigate	investigate	VERB
ajfti-2325	350	7	the	the	DET
ajfti-2325	350	8	impact	impact	NOUN
ajfti-2325	350	9	of	of	ADP
ajfti-2325	350	10	financial	financial	ADJ
ajfti-2325	350	11	technology	technology	NOUN
ajfti-2325	350	12	on	on	ADP
ajfti-2325	350	13	nigeria	nigeria	PROPN
ajfti-2325	350	14	’s	’s	PART
ajfti-2325	350	15	economic	economic	ADJ
ajfti-2325	350	16	growth	growth	NOUN
ajfti-2325	350	17	between	between	ADP
ajfti-2325	350	18	2012q1	2012q1	PROPN
ajfti-2325	350	19	and	and	CCONJ
ajfti-2325	350	20	2022q4	2022q4	PROPN
ajfti-2325	350	21	.	.	PUNCT
ajfti-2325	351	1	three	three	NUM
ajfti-2325	351	2	salient	salient	ADJ
ajfti-2325	351	3	conclusions	conclusion	NOUN
ajfti-2325	351	4	emerged	emerge	VERB
ajfti-2325	351	5	from	from	ADP
ajfti-2325	351	6	our	our	PRON
ajfti-2325	351	7	discussions	discussion	NOUN
ajfti-2325	351	8	:	:	PUNCT
ajfti-2325	351	9	the	the	DET
ajfti-2325	351	10	spread	spread	NOUN
ajfti-2325	351	11	of	of	ADP
ajfti-2325	351	12	web	web	NOUN
ajfti-2325	351	13	-	-	PUNCT
ajfti-2325	351	14	based	base	VERB
ajfti-2325	351	15	transactions	transaction	NOUN
ajfti-2325	351	16	has	have	AUX
ajfti-2325	351	17	considerably	considerably	ADV
ajfti-2325	351	18	enhanced	enhance	VERB
ajfti-2325	351	19	nigeria	nigeria	PROPN
ajfti-2325	351	20	’s	’s	PART
ajfti-2325	351	21	economic	economic	ADJ
ajfti-2325	351	22	canvas	canvas	NOUN
ajfti-2325	351	23	.	.	PUNCT
ajfti-2325	352	1	their	their	PRON
ajfti-2325	352	2	adoption	adoption	NOUN
ajfti-2325	352	3	has	have	AUX
ajfti-2325	352	4	facilitated	facilitate	VERB
ajfti-2325	352	5	smoother	smooth	ADJ
ajfti-2325	352	6	business	business	NOUN
ajfti-2325	352	7	operations	operation	NOUN
ajfti-2325	352	8	,	,	PUNCT
ajfti-2325	352	9	expanded	expand	VERB
ajfti-2325	352	10	market	market	NOUN
ajfti-2325	352	11	reach	reach	NOUN
ajfti-2325	352	12	,	,	PUNCT
ajfti-2325	352	13	and	and	CCONJ
ajfti-2325	352	14	fostered	foster	VERB
ajfti-2325	352	15	global	global	ADJ
ajfti-2325	352	16	integrations	integration	NOUN
ajfti-2325	352	17	,	,	PUNCT
ajfti-2325	352	18	all	all	PRON
ajfti-2325	352	19	of	of	ADP
ajfti-2325	352	20	which	which	PRON
ajfti-2325	352	21	have	have	AUX
ajfti-2325	352	22	contributed	contribute	VERB
ajfti-2325	352	23	positively	positively	ADV
ajfti-2325	352	24	to	to	ADP
ajfti-2325	352	25	economic	economic	ADJ
ajfti-2325	352	26	growth	growth	NOUN
ajfti-2325	352	27	.	.	PUNCT
ajfti-2325	353	1	our	our	PRON
ajfti-2325	353	2	discourse	discourse	NOUN
ajfti-2325	353	3	revealed	reveal	VERB
ajfti-2325	353	4	that	that	SCONJ
ajfti-2325	353	5	mobile	mobile	ADJ
ajfti-2325	353	6	payment	payment	NOUN
ajfti-2325	353	7	mechanisms	mechanism	NOUN
ajfti-2325	353	8	have	have	AUX
ajfti-2325	353	9	benefited	benefit	VERB
ajfti-2325	353	10	nigeria	nigeria	PROPN
ajfti-2325	353	11	’s	’s	PART
ajfti-2325	353	12	economic	economic	ADJ
ajfti-2325	353	13	landscape	landscape	NOUN
ajfti-2325	353	14	.	.	PUNCT
ajfti-2325	354	1	the	the	DET
ajfti-2325	354	2	ease	ease	NOUN
ajfti-2325	354	3	and	and	CCONJ
ajfti-2325	354	4	convenience	convenience	NOUN
ajfti-2325	354	5	of	of	ADP
ajfti-2325	354	6	mobile	mobile	ADJ
ajfti-2325	354	7	transactions	transaction	NOUN
ajfti-2325	354	8	have	have	AUX
ajfti-2325	354	9	empowered	empower	VERB
ajfti-2325	354	10	even	even	ADV
ajfti-2325	354	11	the	the	DET
ajfti-2325	354	12	remotest	remote	ADJ
ajfti-2325	354	13	parts	part	NOUN
ajfti-2325	354	14	of	of	ADP
ajfti-2325	354	15	the	the	DET
ajfti-2325	354	16	country	country	NOUN
ajfti-2325	354	17	,	,	PUNCT
ajfti-2325	354	18	bridged	bridge	VERB
ajfti-2325	354	19	economic	economic	ADJ
ajfti-2325	354	20	disparities	disparity	NOUN
ajfti-2325	354	21	,	,	PUNCT
ajfti-2325	354	22	and	and	CCONJ
ajfti-2325	354	23	fostered	foster	VERB
ajfti-2325	354	24	inclusive	inclusive	ADJ
ajfti-2325	354	25	growth	growth	NOUN
ajfti-2325	354	26	.	.	PUNCT
ajfti-2325	355	1	remarkably	remarkably	ADV
ajfti-2325	355	2	,	,	PUNCT
ajfti-2325	355	3	instant	instant	ADJ
ajfti-2325	355	4	pay	pay	NOUN
ajfti-2325	355	5	transactions	transaction	NOUN
ajfti-2325	355	6	(	(	PUNCT
ajfti-2325	355	7	ipt	ipt	PROPN
ajfti-2325	355	8	)	)	PUNCT
ajfti-2325	355	9	,	,	PUNCT
ajfti-2325	355	10	while	while	SCONJ
ajfti-2325	355	11	being	be	AUX
ajfti-2325	355	12	an	an	DET
ajfti-2325	355	13	innovation	innovation	NOUN
ajfti-2325	355	14	in	in	ADP
ajfti-2325	355	15	seamless	seamless	ADJ
ajfti-2325	355	16	transactions	transaction	NOUN
ajfti-2325	355	17	,	,	PUNCT
ajfti-2325	355	18	displayed	display	VERB
ajfti-2325	355	19	a	a	DET
ajfti-2325	355	20	negative	negative	ADJ
ajfti-2325	355	21	yet	yet	CCONJ
ajfti-2325	355	22	statistically	statistically	ADV
ajfti-2325	355	23	significant	significant	ADJ
ajfti-2325	355	24	correlation	correlation	NOUN
ajfti-2325	355	25	with	with	ADP
ajfti-2325	355	26	nigeria	nigeria	PROPN
ajfti-2325	355	27	’s	’s	PART
ajfti-2325	355	28	economic	economic	ADJ
ajfti-2325	355	29	growth	growth	NOUN
ajfti-2325	355	30	.	.	PUNCT
ajfti-2325	356	1	this	this	PRON
ajfti-2325	356	2	could	could	AUX
ajfti-2325	356	3	be	be	AUX
ajfti-2325	356	4	attributed	attribute	VERB
ajfti-2325	356	5	to	to	ADP
ajfti-2325	356	6	factors	factor	NOUN
ajfti-2325	356	7	like	like	ADP
ajfti-2325	356	8	rapid	rapid	ADJ
ajfti-2325	356	9	adoption	adoption	NOUN
ajfti-2325	356	10	without	without	ADP
ajfti-2325	356	11	adequate	adequate	ADJ
ajfti-2325	356	12	infrastructural	infrastructural	ADJ
ajfti-2325	356	13	support	support	NOUN
ajfti-2325	356	14	or	or	CCONJ
ajfti-2325	356	15	potential	potential	ADJ
ajfti-2325	356	16	misuse	misuse	NOUN
ajfti-2325	356	17	.	.	PUNCT
ajfti-2325	357	1	recommendations	recommendation	NOUN
ajfti-2325	357	2	arising	arise	VERB
ajfti-2325	357	3	from	from	ADP
ajfti-2325	357	4	these	these	DET
ajfti-2325	357	5	findings	finding	NOUN
ajfti-2325	357	6	,	,	PUNCT
ajfti-2325	357	7	the	the	DET
ajfti-2325	357	8	following	follow	VERB
ajfti-2325	357	9	recommendations	recommendation	NOUN
ajfti-2325	357	10	were	be	AUX
ajfti-2325	357	11	suggested	suggest	VERB
ajfti-2325	357	12	:	:	PUNCT
ajfti-2325	357	13	i.	i.	NOUN
ajfti-2325	357	14	the	the	DET
ajfti-2325	357	15	evident	evident	ADJ
ajfti-2325	357	16	economic	economic	ADJ
ajfti-2325	357	17	influence	influence	NOUN
ajfti-2325	357	18	of	of	ADP
ajfti-2325	357	19	web	web	NOUN
ajfti-2325	357	20	-	-	PUNCT
ajfti-2325	357	21	based	base	VERB
ajfti-2325	357	22	transactions	transaction	NOUN
ajfti-2325	357	23	in	in	ADP
ajfti-2325	357	24	nigeria	nigeria	PROPN
ajfti-2325	357	25	necessitates	necessitate	VERB
ajfti-2325	357	26	focused	focused	ADJ
ajfti-2325	357	27	action	action	NOUN
ajfti-2325	357	28	.	.	PUNCT
ajfti-2325	358	1	in	in	ADP
ajfti-2325	358	2	collaboration	collaboration	NOUN
ajfti-2325	358	3	with	with	ADP
ajfti-2325	358	4	private	private	ADJ
ajfti-2325	358	5	entities	entity	NOUN
ajfti-2325	358	6	,	,	PUNCT
ajfti-2325	358	7	the	the	DET
ajfti-2325	358	8	government	government	NOUN
ajfti-2325	358	9	should	should	AUX
ajfti-2325	358	10	pa	pa	PROPN
ajfti-2325	358	11	ge	ge	PROPN
ajfti-2325	358	12	45	45	NUM
ajfti-2325	358	13	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	PROPN
ajfti-2325	358	14	am	be	AUX
ajfti-2325	358	15	.	.	PUNCT
ajfti-2325	359	1	j.	j.	PROPN
ajfti-2325	359	2	financ	financ	PROPN
ajfti-2325	359	3	.	.	PUNCT
ajfti-2325	360	1	technol	technol	PROPN
ajfti-2325	360	2	.	.	PUNCT
ajfti-2325	360	3	innov	innov	PROPN
ajfti-2325	360	4	.	.	PUNCT
ajfti-2325	361	1	1(1	1(1	NUM
ajfti-2325	361	2	)	)	PUNCT
ajfti-2325	361	3	35	35	NUM
ajfti-2325	361	4	-	-	SYM
ajfti-2325	361	5	45	45	NUM
ajfti-2325	361	6	,	,	PUNCT
ajfti-2325	361	7	2023	2023	NUM
ajfti-2325	361	8	prioritize	prioritize	AUX
ajfti-2325	361	9	strengthening	strengthen	VERB
ajfti-2325	361	10	digital	digital	ADJ
ajfti-2325	361	11	infrastructure	infrastructure	NOUN
ajfti-2325	361	12	.	.	PUNCT
ajfti-2325	362	1	this	this	PRON
ajfti-2325	362	2	ensures	ensure	VERB
ajfti-2325	362	3	reliable	reliable	ADJ
ajfti-2325	362	4	internet	internet	NOUN
ajfti-2325	362	5	access	access	NOUN
ajfti-2325	362	6	nationwide	nationwide	ADV
ajfti-2325	362	7	.	.	PUNCT
ajfti-2325	363	1	concurrently	concurrently	ADV
ajfti-2325	363	2	,	,	PUNCT
ajfti-2325	363	3	as	as	SCONJ
ajfti-2325	363	4	online	online	ADJ
ajfti-2325	363	5	transactions	transaction	NOUN
ajfti-2325	363	6	expand	expand	VERB
ajfti-2325	363	7	,	,	PUNCT
ajfti-2325	363	8	so	so	ADV
ajfti-2325	363	9	do	do	VERB
ajfti-2325	363	10	cybersecurity	cybersecurity	NOUN
ajfti-2325	363	11	threats	threat	NOUN
ajfti-2325	363	12	.	.	PUNCT
ajfti-2325	364	1	enhanced	enhance	VERB
ajfti-2325	364	2	cybersecurity	cybersecurity	NOUN
ajfti-2325	364	3	measures	measure	NOUN
ajfti-2325	364	4	and	and	CCONJ
ajfti-2325	364	5	public	public	ADJ
ajfti-2325	364	6	awareness	awareness	NOUN
ajfti-2325	364	7	campaigns	campaign	NOUN
ajfti-2325	364	8	are	be	AUX
ajfti-2325	364	9	paramount	paramount	ADJ
ajfti-2325	364	10	to	to	ADP
ajfti-2325	364	11	safeguarding	safeguard	VERB
ajfti-2325	364	12	the	the	DET
ajfti-2325	364	13	nation	nation	NOUN
ajfti-2325	364	14	’s	’s	PART
ajfti-2325	364	15	digital	digital	ADJ
ajfti-2325	364	16	financial	financial	ADJ
ajfti-2325	364	17	frontier	frontier	NOUN
ajfti-2325	364	18	.	.	PUNCT
ajfti-2325	365	1	ii	ii	PROPN
ajfti-2325	365	2	.	.	PUNCT
ajfti-2325	366	1	mobile	mobile	ADJ
ajfti-2325	366	2	transactions	transaction	NOUN
ajfti-2325	366	3	have	have	AUX
ajfti-2325	366	4	transformed	transform	VERB
ajfti-2325	366	5	nigeria	nigeria	PROPN
ajfti-2325	366	6	’s	’s	PART
ajfti-2325	366	7	financial	financial	ADJ
ajfti-2325	366	8	landscape	landscape	NOUN
ajfti-2325	366	9	.	.	PUNCT
ajfti-2325	367	1	however	however	ADV
ajfti-2325	367	2	,	,	PUNCT
ajfti-2325	367	3	to	to	PART
ajfti-2325	367	4	optimize	optimize	VERB
ajfti-2325	367	5	their	their	PRON
ajfti-2325	367	6	potential	potential	NOUN
ajfti-2325	367	7	,	,	PUNCT
ajfti-2325	367	8	a	a	DET
ajfti-2325	367	9	two	two	NUM
ajfti-2325	367	10	-	-	PUNCT
ajfti-2325	367	11	pronged	pronged	ADJ
ajfti-2325	367	12	approach	approach	NOUN
ajfti-2325	367	13	is	be	AUX
ajfti-2325	367	14	recommended	recommend	VERB
ajfti-2325	367	15	.	.	PUNCT
ajfti-2325	368	1	firstly	firstly	ADV
ajfti-2325	368	2	,	,	PUNCT
ajfti-2325	368	3	expanding	expand	VERB
ajfti-2325	368	4	mobile	mobile	ADJ
ajfti-2325	368	5	network	network	NOUN
ajfti-2325	368	6	connectivity	connectivity	NOUN
ajfti-2325	368	7	to	to	ADP
ajfti-2325	368	8	rural	rural	ADJ
ajfti-2325	368	9	and	and	CCONJ
ajfti-2325	368	10	remote	remote	ADJ
ajfti-2325	368	11	areas	area	NOUN
ajfti-2325	368	12	ensures	ensure	VERB
ajfti-2325	368	13	that	that	SCONJ
ajfti-2325	368	14	no	no	DET
ajfti-2325	368	15	community	community	NOUN
ajfti-2325	368	16	is	be	AUX
ajfti-2325	368	17	left	leave	VERB
ajfti-2325	368	18	behind	behind	ADV
ajfti-2325	368	19	.	.	PUNCT
ajfti-2325	369	1	secondly	secondly	ADV
ajfti-2325	369	2	,	,	PUNCT
ajfti-2325	369	3	there	there	PRON
ajfti-2325	369	4	is	be	VERB
ajfti-2325	369	5	a	a	DET
ajfti-2325	369	6	clear	clear	ADJ
ajfti-2325	369	7	need	need	NOUN
ajfti-2325	369	8	for	for	SCONJ
ajfti-2325	369	9	consistent	consistent	ADJ
ajfti-2325	369	10	user	user	NOUN
ajfti-2325	369	11	education	education	NOUN
ajfti-2325	369	12	to	to	PART
ajfti-2325	369	13	enlighten	enlighten	VERB
ajfti-2325	369	14	individuals	individual	NOUN
ajfti-2325	369	15	about	about	ADP
ajfti-2325	369	16	safe	safe	ADJ
ajfti-2325	369	17	mobile	mobile	ADJ
ajfti-2325	369	18	payment	payment	NOUN
ajfti-2325	369	19	practices	practice	NOUN
ajfti-2325	369	20	and	and	CCONJ
ajfti-2325	369	21	the	the	DET
ajfti-2325	369	22	system	system	NOUN
ajfti-2325	369	23	’s	’s	PART
ajfti-2325	369	24	broader	broad	ADJ
ajfti-2325	369	25	capabilities	capability	NOUN
ajfti-2325	369	26	.	.	PUNCT
ajfti-2325	370	1	iii	iii	X
ajfti-2325	370	2	.	.	PUNCT
ajfti-2325	371	1	the	the	DET
ajfti-2325	371	2	negative	negative	ADJ
ajfti-2325	371	3	association	association	NOUN
ajfti-2325	371	4	of	of	ADP
ajfti-2325	371	5	instant	instant	ADJ
ajfti-2325	371	6	pay	pay	NOUN
ajfti-2325	371	7	transactions	transaction	NOUN
ajfti-2325	371	8	with	with	ADP
ajfti-2325	371	9	economic	economic	ADJ
ajfti-2325	371	10	growth	growth	NOUN
ajfti-2325	371	11	raises	raise	VERB
ajfti-2325	371	12	concerns	concern	NOUN
ajfti-2325	371	13	.	.	PUNCT
ajfti-2325	372	1	an	an	DET
ajfti-2325	372	2	in	in	ADP
ajfti-2325	372	3	-	-	PUNCT
ajfti-2325	372	4	depth	depth	NOUN
ajfti-2325	372	5	infrastructure	infrastructure	NOUN
ajfti-2325	372	6	audit	audit	NOUN
ajfti-2325	372	7	is	be	AUX
ajfti-2325	372	8	essential	essential	ADJ
ajfti-2325	372	9	to	to	PART
ajfti-2325	372	10	reveal	reveal	VERB
ajfti-2325	372	11	and	and	CCONJ
ajfti-2325	372	12	address	address	VERB
ajfti-2325	372	13	any	any	DET
ajfti-2325	372	14	underlying	underlying	ADJ
ajfti-2325	372	15	inefficiencies	inefficiency	NOUN
ajfti-2325	372	16	or	or	CCONJ
ajfti-2325	372	17	bottlenecks	bottleneck	NOUN
ajfti-2325	372	18	within	within	ADP
ajfti-2325	372	19	that	that	DET
ajfti-2325	372	20	gateway	gateway	NOUN
ajfti-2325	372	21	payment	payment	NOUN
ajfti-2325	372	22	system	system	NOUN
ajfti-2325	372	23	.	.	PUNCT
ajfti-2325	373	1	alongside	alongside	ADJ
ajfti-2325	373	2	,	,	PUNCT
ajfti-2325	373	3	tighter	tight	ADJ
ajfti-2325	373	4	regulatory	regulatory	ADJ
ajfti-2325	373	5	oversight	oversight	NOUN
ajfti-2325	373	6	by	by	ADP
ajfti-2325	373	7	the	the	DET
ajfti-2325	373	8	cbn	cbn	PROPN
ajfti-2325	373	9	on	on	ADP
ajfti-2325	373	10	ipt	ipt	PROPN
ajfti-2325	373	11	is	be	AUX
ajfti-2325	373	12	pivotal	pivotal	ADJ
ajfti-2325	373	13	.	.	PUNCT
ajfti-2325	374	1	such	such	ADJ
ajfti-2325	374	2	measures	measure	NOUN
ajfti-2325	374	3	will	will	AUX
ajfti-2325	374	4	not	not	PART
ajfti-2325	374	5	only	only	ADV
ajfti-2325	374	6	mitigate	mitigate	VERB
ajfti-2325	374	7	potential	potential	ADJ
ajfti-2325	374	8	misuse	misuse	NOUN
ajfti-2325	374	9	but	but	CCONJ
ajfti-2325	374	10	also	also	ADV
ajfti-2325	374	11	realign	realign	VERB
ajfti-2325	374	12	ipt	ipt	PROPN
ajfti-2325	374	13	to	to	PART
ajfti-2325	374	14	bolster	bolster	VERB
ajfti-2325	374	15	nigeria	nigeria	PROPN
ajfti-2325	374	16	’s	’s	PART
ajfti-2325	374	17	economic	economic	ADJ
ajfti-2325	374	18	growth	growth	NOUN
ajfti-2325	374	19	.	.	PUNCT
ajfti-2325	374	20	”	"	PUNCT
ajfti-2325	375	1	references	reference	NOUN
ajfti-2325	375	2	acemoglu	acemoglu	PROPN
ajfti-2325	375	3	,	,	PUNCT
ajfti-2325	375	4	d.	d.	PROPN
ajfti-2325	375	5	,	,	PUNCT
ajfti-2325	375	6	&	&	CCONJ
ajfti-2325	375	7	robinson	robinson	PROPN
ajfti-2325	375	8	,	,	PUNCT
ajfti-2325	375	9	j.	j.	PROPN
ajfti-2325	375	10	a.	a.	PROPN
ajfti-2325	375	11	(	(	PUNCT
ajfti-2325	375	12	2012	2012	NUM
ajfti-2325	375	13	)	)	PUNCT
ajfti-2325	375	14	.	.	PUNCT
ajfti-2325	376	1	why	why	SCONJ
ajfti-2325	376	2	nations	nation	NOUN
ajfti-2325	376	3	fail	fail	VERB
ajfti-2325	376	4	:	:	PUNCT
ajfti-2325	376	5	the	the	DET
ajfti-2325	376	6	origins	origin	NOUN
ajfti-2325	376	7	of	of	ADP
ajfti-2325	376	8	power	power	NOUN
ajfti-2325	376	9	,	,	PUNCT
ajfti-2325	376	10	prosperity	prosperity	NOUN
ajfti-2325	376	11	,	,	PUNCT
ajfti-2325	376	12	and	and	CCONJ
ajfti-2325	376	13	poverty	poverty	NOUN
ajfti-2325	376	14	.	.	PUNCT
ajfti-2325	377	1	crown	crown	NOUN
ajfti-2325	377	2	business	business	NOUN
ajfti-2325	377	3	.	.	PUNCT
ajfti-2325	378	1	arner	arner	NOUN
ajfti-2325	378	2	,	,	PUNCT
ajfti-2325	378	3	d.	d.	PROPN
ajfti-2325	378	4	w.	w.	PROPN
ajfti-2325	378	5	,	,	PUNCT
ajfti-2325	378	6	barberis	barberis	PROPN
ajfti-2325	378	7	,	,	PUNCT
ajfti-2325	378	8	j.	j.	PROPN
ajfti-2325	378	9	,	,	PUNCT
ajfti-2325	378	10	&	&	CCONJ
ajfti-2325	378	11	buckley	buckley	PROPN
ajfti-2325	378	12	,	,	PUNCT
ajfti-2325	378	13	r.	r.	PROPN
ajfti-2325	378	14	p.	p.	PROPN
ajfti-2325	378	15	(	(	PUNCT
ajfti-2325	378	16	2016	2016	NUM
ajfti-2325	378	17	)	)	PUNCT
ajfti-2325	378	18	.	.	PUNCT
ajfti-2325	379	1	the	the	DET
ajfti-2325	379	2	evolution	evolution	NOUN
ajfti-2325	379	3	of	of	ADP
ajfti-2325	379	4	fintech	fintech	NOUN
ajfti-2325	379	5	:	:	PUNCT
ajfti-2325	379	6	a	a	DET
ajfti-2325	379	7	new	new	ADJ
ajfti-2325	379	8	post	post	ADJ
ajfti-2325	379	9	-	-	ADJ
ajfti-2325	379	10	crisis	crisis	NOUN
ajfti-2325	379	11	paradigm	paradigm	NOUN
ajfti-2325	379	12	?	?	PUNCT
ajfti-2325	380	1	georgetown	georgetown	PROPN
ajfti-2325	380	2	journal	journal	PROPN
ajfti-2325	380	3	of	of	ADP
ajfti-2325	380	4	international	international	ADJ
ajfti-2325	380	5	law	law	NOUN
ajfti-2325	380	6	,	,	PUNCT
ajfti-2325	380	7	47(4	47(4	PROPN
ajfti-2325	380	8	)	)	PUNCT
ajfti-2325	380	9	,	,	PUNCT
ajfti-2325	380	10	1271	1271	NUM
ajfti-2325	380	11	-	-	SYM
ajfti-2325	380	12	1319	1319	NUM
ajfti-2325	380	13	.	.	PUNCT
ajfti-2325	381	1	barro	barro	PROPN
ajfti-2325	381	2	,	,	PUNCT
ajfti-2325	381	3	r.	r.	PROPN
ajfti-2325	381	4	j.	j.	PROPN
ajfti-2325	381	5	(	(	PUNCT
ajfti-2325	381	6	1991	1991	NUM
ajfti-2325	381	7	)	)	PUNCT
ajfti-2325	381	8	.	.	PUNCT
ajfti-2325	382	1	economic	economic	ADJ
ajfti-2325	382	2	growth	growth	NOUN
ajfti-2325	382	3	in	in	ADP
ajfti-2325	382	4	a	a	DET
ajfti-2325	382	5	cross	cross	NOUN
ajfti-2325	382	6	-	-	NOUN
ajfti-2325	382	7	section	section	NOUN
ajfti-2325	382	8	of	of	ADP
ajfti-2325	382	9	countries	country	NOUN
ajfti-2325	382	10	.	.	PUNCT
ajfti-2325	383	1	quarterly	quarterly	ADJ
ajfti-2325	383	2	journal	journal	NOUN
ajfti-2325	383	3	of	of	ADP
ajfti-2325	383	4	economics	economic	NOUN
ajfti-2325	383	5	,	,	PUNCT
ajfti-2325	383	6	106(2	106(2	NUM
ajfti-2325	383	7	)	)	PUNCT
ajfti-2325	383	8	,	,	PUNCT
ajfti-2325	383	9	407	407	NUM
ajfti-2325	383	10	-	-	SYM
ajfti-2325	383	11	443	443	NUM
ajfti-2325	383	12	.	.	PUNCT
ajfti-2325	384	1	central	central	ADJ
ajfti-2325	384	2	bank	bank	PROPN
ajfti-2325	384	3	of	of	ADP
ajfti-2325	384	4	nigeria	nigeria	PROPN
ajfti-2325	384	5	.	.	PUNCT
ajfti-2325	385	1	(	(	PUNCT
ajfti-2325	385	2	2020	2020	NUM
ajfti-2325	385	3	)	)	PUNCT
ajfti-2325	385	4	.	.	PUNCT
ajfti-2325	386	1	annual	annual	ADJ
ajfti-2325	386	2	report	report	NOUN
ajfti-2325	386	3	on	on	ADP
ajfti-2325	386	4	mobile	mobile	ADJ
ajfti-2325	386	5	payment	payment	NOUN
ajfti-2325	386	6	transactions	transaction	NOUN
ajfti-2325	386	7	.	.	PUNCT
ajfti-2325	387	1	choi	choi	NOUN
ajfti-2325	387	2	,	,	PUNCT
ajfti-2325	387	3	s.	s.	PROPN
ajfti-2325	387	4	p.	p.	PROPN
ajfti-2325	387	5	,	,	PUNCT
ajfti-2325	387	6	stahl	stahl	PROPN
ajfti-2325	387	7	,	,	PUNCT
ajfti-2325	387	8	d.	d.	PROPN
ajfti-2325	387	9	o.	o.	PROPN
ajfti-2325	387	10	,	,	PUNCT
ajfti-2325	387	11	&	&	CCONJ
ajfti-2325	387	12	whinston	whinston	PROPN
ajfti-2325	387	13	,	,	PUNCT
ajfti-2325	387	14	a.	a.	PROPN
ajfti-2325	387	15	b.	b.	PROPN
ajfti-2325	387	16	(	(	PUNCT
ajfti-2325	387	17	2017	2017	NUM
ajfti-2325	387	18	)	)	PUNCT
ajfti-2325	387	19	.	.	PUNCT
ajfti-2325	388	1	the	the	DET
ajfti-2325	388	2	economics	economic	NOUN
ajfti-2325	388	3	of	of	ADP
ajfti-2325	388	4	electronic	electronic	ADJ
ajfti-2325	388	5	commerce	commerce	NOUN
ajfti-2325	388	6	.	.	PUNCT
ajfti-2325	389	1	mack	mack	PROPN
ajfti-2325	389	2	center	center	PROPN
ajfti-2325	389	3	for	for	ADP
ajfti-2325	389	4	technological	technological	ADJ
ajfti-2325	389	5	innovation	innovation	NOUN
ajfti-2325	389	6	.	.	PUNCT
ajfti-2325	390	1	desalegn	desalegn	PROPN
ajfti-2325	390	2	,	,	PUNCT
ajfti-2325	390	3	t.	t.	PROPN
ajfti-2325	390	4	l.	l.	PROPN
ajfti-2325	390	5	(	(	PUNCT
ajfti-2325	390	6	2020	2020	NUM
ajfti-2325	390	7	)	)	PUNCT
ajfti-2325	390	8	.	.	PUNCT
ajfti-2325	391	1	web	web	NOUN
ajfti-2325	391	2	transactions	transaction	NOUN
ajfti-2325	391	3	and	and	CCONJ
ajfti-2325	391	4	economic	economic	ADJ
ajfti-2325	391	5	growth	growth	NOUN
ajfti-2325	391	6	:	:	PUNCT
ajfti-2325	391	7	a	a	DET
ajfti-2325	391	8	critical	critical	ADJ
ajfti-2325	391	9	evaluation	evaluation	NOUN
ajfti-2325	391	10	of	of	ADP
ajfti-2325	391	11	ethiopia	ethiopia	PROPN
ajfti-2325	391	12	’s	’s	PART
ajfti-2325	391	13	landscape	landscape	NOUN
ajfti-2325	391	14	.	.	PUNCT
ajfti-2325	392	1	african	african	ADJ
ajfti-2325	392	2	economic	economic	PROPN
ajfti-2325	392	3	review	review	PROPN
ajfti-2325	392	4	,	,	PUNCT
ajfti-2325	392	5	8(1	8(1	NOUN
ajfti-2325	392	6	)	)	PUNCT
ajfti-2325	392	7	,	,	PUNCT
ajfti-2325	392	8	13	13	NUM
ajfti-2325	392	9	-	-	SYM
ajfti-2325	392	10	29	29	NUM
ajfti-2325	392	11	.	.	PUNCT
ajfti-2325	392	12	enhancing	enhance	VERB
ajfti-2325	392	13	financial	financial	ADJ
ajfti-2325	392	14	innovation	innovation	NOUN
ajfti-2325	392	15	&	&	CCONJ
ajfti-2325	392	16	access	access	NOUN
ajfti-2325	392	17	(	(	PUNCT
ajfti-2325	392	18	efina	efina	PROPN
ajfti-2325	392	19	)	)	PUNCT
ajfti-2325	392	20	,	,	PUNCT
ajfti-2325	392	21	(	(	PUNCT
ajfti-2325	392	22	2018	2018	NUM
ajfti-2325	392	23	)	)	PUNCT
ajfti-2325	392	24	.	.	PUNCT
ajfti-2325	393	1	access	access	NOUN
ajfti-2325	393	2	to	to	ADP
ajfti-2325	393	3	financial	financial	ADJ
ajfti-2325	393	4	services	service	NOUN
ajfti-2325	393	5	in	in	ADP
ajfti-2325	393	6	nigeria	nigeria	PROPN
ajfti-2325	393	7	2018	2018	NUM
ajfti-2325	393	8	survey	survey	NOUN
ajfti-2325	393	9	.	.	PUNCT
ajfti-2325	394	1	folorunso	folorunso	NOUN
ajfti-2325	394	2	,	,	PUNCT
ajfti-2325	394	3	b.	b.	PROPN
ajfti-2325	394	4	a.	a.	PROPN
ajfti-2325	394	5	,	,	PUNCT
ajfti-2325	394	6	&	&	CCONJ
ajfti-2325	394	7	ikpefan	ikpefan	PROPN
ajfti-2325	394	8	,	,	PUNCT
ajfti-2325	394	9	o.	o.	NOUN
ajfti-2325	394	10	a.	a.	NOUN
ajfti-2325	395	1	(	(	PUNCT
ajfti-2325	395	2	2018	2018	NUM
ajfti-2325	395	3	)	)	PUNCT
ajfti-2325	395	4	.	.	PUNCT
ajfti-2325	396	1	financial	financial	ADJ
ajfti-2325	396	2	technology	technology	NOUN
ajfti-2325	396	3	and	and	CCONJ
ajfti-2325	396	4	economic	economic	ADJ
ajfti-2325	396	5	growth	growth	NOUN
ajfti-2325	396	6	in	in	ADP
ajfti-2325	396	7	sub	sub	ADJ
ajfti-2325	396	8	-	-	ADJ
ajfti-2325	396	9	saharan	saharan	ADJ
ajfti-2325	396	10	africa	africa	PROPN
ajfti-2325	396	11	:	:	PUNCT
ajfti-2325	396	12	an	an	DET
ajfti-2325	396	13	interrogation	interrogation	NOUN
ajfti-2325	396	14	of	of	ADP
ajfti-2325	396	15	the	the	DET
ajfti-2325	396	16	empirical	empirical	ADJ
ajfti-2325	396	17	evidences	evidence	NOUN
ajfti-2325	396	18	.	.	PUNCT
ajfti-2325	397	1	journal	journal	NOUN
ajfti-2325	397	2	of	of	ADP
ajfti-2325	397	3	banking	banking	NOUN
ajfti-2325	397	4	and	and	CCONJ
ajfti-2325	397	5	financial	financial	ADJ
ajfti-2325	397	6	dynamics	dynamic	NOUN
ajfti-2325	397	7	,	,	PUNCT
ajfti-2325	397	8	3(4	3(4	NUM
ajfti-2325	397	9	)	)	PUNCT
ajfti-2325	397	10	,	,	PUNCT
ajfti-2325	397	11	45	45	NUM
ajfti-2325	397	12	-	-	SYM
ajfti-2325	397	13	60	60	NUM
ajfti-2325	397	14	.	.	PUNCT
ajfti-2325	398	1	gorton	gorton	PROPN
ajfti-2325	398	2	,	,	PUNCT
ajfti-2325	398	3	g.	g.	PROPN
ajfti-2325	398	4	,	,	PUNCT
ajfti-2325	398	5	&	&	CCONJ
ajfti-2325	398	6	metrick	metrick	ADJ
ajfti-2325	398	7	,	,	PUNCT
ajfti-2325	398	8	a.	a.	NOUN
ajfti-2325	398	9	(	(	PUNCT
ajfti-2325	398	10	2012	2012	NUM
ajfti-2325	398	11	)	)	PUNCT
ajfti-2325	398	12	.	.	PUNCT
ajfti-2325	399	1	securitized	securitize	VERB
ajfti-2325	399	2	banking	banking	NOUN
ajfti-2325	399	3	and	and	CCONJ
ajfti-2325	399	4	the	the	DET
ajfti-2325	399	5	run	run	NOUN
ajfti-2325	399	6	on	on	ADP
ajfti-2325	399	7	repo	repo	NOUN
ajfti-2325	399	8	.	.	PUNCT
ajfti-2325	400	1	journal	journal	PROPN
ajfti-2325	400	2	of	of	ADP
ajfti-2325	400	3	financial	financial	ADJ
ajfti-2325	400	4	economics	economic	NOUN
ajfti-2325	400	5	,	,	PUNCT
ajfti-2325	400	6	104(3	104(3	NUM
ajfti-2325	400	7	)	)	PUNCT
ajfti-2325	400	8	,	,	PUNCT
ajfti-2325	400	9	425	425	NUM
ajfti-2325	400	10	-	-	SYM
ajfti-2325	400	11	451	451	NUM
ajfti-2325	400	12	.	.	PUNCT
ajfti-2325	401	1	greenhalgh	greenhalgh	PROPN
ajfti-2325	401	2	,	,	PUNCT
ajfti-2325	401	3	t.	t.	PROPN
ajfti-2325	401	4	,	,	PUNCT
ajfti-2325	401	5	robert	robert	PROPN
ajfti-2325	401	6	,	,	PUNCT
ajfti-2325	401	7	g.	g.	PROPN
ajfti-2325	401	8	,	,	PUNCT
ajfti-2325	401	9	macfarlane	macfarlane	PROPN
ajfti-2325	401	10	,	,	PUNCT
ajfti-2325	401	11	f.	f.	PROPN
ajfti-2325	401	12	,	,	PUNCT
ajfti-2325	401	13	bate	bate	PROPN
ajfti-2325	401	14	,	,	PUNCT
ajfti-2325	401	15	p.	p.	PROPN
ajfti-2325	401	16	,	,	PUNCT
ajfti-2325	401	17	&	&	CCONJ
ajfti-2325	401	18	kyriakidou	kyriakidou	PROPN
ajfti-2325	401	19	,	,	PUNCT
ajfti-2325	401	20	o.	o.	PROPN
ajfti-2325	401	21	(	(	PUNCT
ajfti-2325	401	22	2004	2004	NUM
ajfti-2325	401	23	)	)	PUNCT
ajfti-2325	401	24	.	.	PUNCT
ajfti-2325	402	1	diffusion	diffusion	NOUN
ajfti-2325	402	2	of	of	ADP
ajfti-2325	402	3	innovations	innovation	NOUN
ajfti-2325	402	4	in	in	ADP
ajfti-2325	402	5	service	service	NOUN
ajfti-2325	402	6	organizations	organization	NOUN
ajfti-2325	402	7	:	:	PUNCT
ajfti-2325	402	8	systematic	systematic	ADJ
ajfti-2325	402	9	review	review	NOUN
ajfti-2325	402	10	and	and	CCONJ
ajfti-2325	402	11	recommendations	recommendation	NOUN
ajfti-2325	402	12	.	.	PUNCT
ajfti-2325	403	1	the	the	DET
ajfti-2325	403	2	milbank	milbank	PROPN
ajfti-2325	403	3	quarterly	quarterly	PROPN
ajfti-2325	403	4	,	,	PUNCT
ajfti-2325	403	5	82(4	82(4	PROPN
ajfti-2325	403	6	)	)	PUNCT
ajfti-2325	403	7	,	,	PUNCT
ajfti-2325	403	8	581	581	NUM
ajfti-2325	403	9	-	-	SYM
ajfti-2325	403	10	629	629	NUM
ajfti-2325	403	11	.	.	PUNCT
ajfti-2325	403	12	gsma	gsma	NOUN
ajfti-2325	403	13	.	.	PUNCT
ajfti-2325	404	1	(	(	PUNCT
ajfti-2325	404	2	2020	2020	NUM
ajfti-2325	404	3	)	)	PUNCT
ajfti-2325	404	4	.	.	PUNCT
ajfti-2325	405	1	state	state	NOUN
ajfti-2325	405	2	of	of	ADP
ajfti-2325	405	3	the	the	DET
ajfti-2325	405	4	industry	industry	NOUN
ajfti-2325	405	5	report	report	NOUN
ajfti-2325	405	6	on	on	ADP
ajfti-2325	405	7	mobile	mobile	ADJ
ajfti-2325	405	8	money	money	NOUN
ajfti-2325	405	9	.	.	PUNCT
ajfti-2325	406	1	gurley	gurley	PROPN
ajfti-2325	406	2	,	,	PUNCT
ajfti-2325	406	3	j.	j.	PROPN
ajfti-2325	406	4	g.	g.	PROPN
ajfti-2325	406	5	,	,	PUNCT
ajfti-2325	406	6	&	&	CCONJ
ajfti-2325	406	7	shaw	shaw	PROPN
ajfti-2325	406	8	,	,	PUNCT
ajfti-2325	406	9	e.	e.	PROPN
ajfti-2325	406	10	s.	s.	PROPN
ajfti-2325	406	11	(	(	PUNCT
ajfti-2325	406	12	1955	1955	NUM
ajfti-2325	406	13	)	)	PUNCT
ajfti-2325	406	14	.	.	PUNCT
ajfti-2325	407	1	financial	financial	ADJ
ajfti-2325	407	2	aspects	aspect	NOUN
ajfti-2325	407	3	of	of	ADP
ajfti-2325	407	4	economic	economic	ADJ
ajfti-2325	407	5	development	development	NOUN
ajfti-2325	407	6	.	.	PUNCT
ajfti-2325	408	1	american	american	PROPN
ajfti-2325	408	2	economic	economic	PROPN
ajfti-2325	408	3	review	review	PROPN
ajfti-2325	408	4	,	,	PUNCT
ajfti-2325	408	5	45(4	45(4	NUM
ajfti-2325	408	6	)	)	PUNCT
ajfti-2325	408	7	,	,	PUNCT
ajfti-2325	408	8	515	515	NUM
ajfti-2325	408	9	-	-	SYM
ajfti-2325	408	10	538	538	NUM
ajfti-2325	408	11	.	.	PUNCT
ajfti-2325	409	1	kamau	kamau	PROPN
ajfti-2325	409	2	,	,	PUNCT
ajfti-2325	409	3	a.	a.	PROPN
ajfti-2325	409	4	,	,	PUNCT
ajfti-2325	409	5	&	&	CCONJ
ajfti-2325	409	6	waiganjo	waiganjo	PROPN
ajfti-2325	409	7	,	,	PUNCT
ajfti-2325	409	8	e.	e.	PROPN
ajfti-2325	409	9	(	(	PUNCT
ajfti-2325	409	10	2016	2016	NUM
ajfti-2325	409	11	)	)	PUNCT
ajfti-2325	409	12	.	.	PUNCT
ajfti-2325	410	1	role	role	NOUN
ajfti-2325	410	2	of	of	ADP
ajfti-2325	410	3	mobile	mobile	ADJ
ajfti-2325	410	4	banking	banking	NOUN
ajfti-2325	410	5	in	in	ADP
ajfti-2325	410	6	the	the	DET
ajfti-2325	410	7	growth	growth	NOUN
ajfti-2325	410	8	of	of	ADP
ajfti-2325	410	9	smes	sme	NOUN
ajfti-2325	410	10	in	in	ADP
ajfti-2325	410	11	kenya	kenya	PROPN
ajfti-2325	410	12	.	.	PUNCT
ajfti-2325	411	1	kenyan	kenyan	ADJ
ajfti-2325	411	2	journal	journal	PROPN
ajfti-2325	411	3	of	of	ADP
ajfti-2325	411	4	business	business	NOUN
ajfti-2325	411	5	and	and	CCONJ
ajfti-2325	411	6	innovation	innovation	NOUN
ajfti-2325	411	7	,	,	PUNCT
ajfti-2325	411	8	12(4	12(4	NUM
ajfti-2325	411	9	)	)	PUNCT
ajfti-2325	411	10	,	,	PUNCT
ajfti-2325	411	11	58	58	NUM
ajfti-2325	411	12	-	-	SYM
ajfti-2325	411	13	72	72	NUM
ajfti-2325	411	14	.	.	PUNCT
ajfti-2325	412	1	lee	lee	PROPN
ajfti-2325	412	2	,	,	PUNCT
ajfti-2325	412	3	i.	i.	PROPN
ajfti-2325	412	4	,	,	PUNCT
ajfti-2325	412	5	&	&	CCONJ
ajfti-2325	412	6	shin	shin	PROPN
ajfti-2325	412	7	,	,	PUNCT
ajfti-2325	412	8	y.	y.	PROPN
ajfti-2325	412	9	j.	j.	PROPN
ajfti-2325	412	10	(	(	PUNCT
ajfti-2325	412	11	2018	2018	NUM
ajfti-2325	412	12	)	)	PUNCT
ajfti-2325	412	13	.	.	PUNCT
ajfti-2325	413	1	fintech	fintech	NOUN
ajfti-2325	413	2	:	:	PUNCT
ajfti-2325	413	3	ecosystem	ecosystem	NOUN
ajfti-2325	413	4	,	,	PUNCT
ajfti-2325	413	5	business	business	NOUN
ajfti-2325	413	6	models	model	NOUN
ajfti-2325	413	7	,	,	PUNCT
ajfti-2325	413	8	investment	investment	NOUN
ajfti-2325	413	9	decisions	decision	NOUN
ajfti-2325	413	10	,	,	PUNCT
ajfti-2325	413	11	and	and	CCONJ
ajfti-2325	413	12	challenges	challenge	NOUN
ajfti-2325	413	13	.	.	PUNCT
ajfti-2325	414	1	business	business	NOUN
ajfti-2325	414	2	horizons	horizon	NOUN
ajfti-2325	414	3	,	,	PUNCT
ajfti-2325	414	4	61(1	61(1	NOUN
ajfti-2325	414	5	)	)	PUNCT
ajfti-2325	414	6	,	,	PUNCT
ajfti-2325	414	7	35	35	NUM
ajfti-2325	414	8	-	-	SYM
ajfti-2325	414	9	46	46	NUM
ajfti-2325	414	10	.	.	PUNCT
ajfti-2325	415	1	lucas	lucas	PROPN
ajfti-2325	415	2	,	,	PUNCT
ajfti-2325	415	3	r.	r.	PROPN
ajfti-2325	415	4	e.	e.	PROPN
ajfti-2325	415	5	(	(	PUNCT
ajfti-2325	415	6	1988	1988	NUM
ajfti-2325	415	7	)	)	PUNCT
ajfti-2325	415	8	.	.	PUNCT
ajfti-2325	416	1	on	on	ADP
ajfti-2325	416	2	the	the	DET
ajfti-2325	416	3	mechanics	mechanic	NOUN
ajfti-2325	416	4	of	of	ADP
ajfti-2325	416	5	economic	economic	ADJ
ajfti-2325	416	6	development	development	NOUN
ajfti-2325	416	7	.	.	PUNCT
ajfti-2325	417	1	journal	journal	PROPN
ajfti-2325	417	2	of	of	ADP
ajfti-2325	417	3	monetary	monetary	ADJ
ajfti-2325	417	4	economics	economic	NOUN
ajfti-2325	417	5	,	,	PUNCT
ajfti-2325	417	6	22(1	22(1	NUM
ajfti-2325	417	7	)	)	PUNCT
ajfti-2325	417	8	,	,	PUNCT
ajfti-2325	417	9	3	3	NUM
ajfti-2325	417	10	-	-	SYM
ajfti-2325	417	11	42	42	NUM
ajfti-2325	417	12	.	.	PUNCT
ajfti-2325	418	1	mckinsey	mckinsey	NOUN
ajfti-2325	418	2	&	&	CCONJ
ajfti-2325	418	3	company	company	PROPN
ajfti-2325	418	4	.	.	PUNCT
ajfti-2325	419	1	(	(	PUNCT
ajfti-2325	419	2	2018	2018	NUM
ajfti-2325	419	3	)	)	PUNCT
ajfti-2325	419	4	.	.	PUNCT
ajfti-2325	420	1	global	global	ADJ
ajfti-2325	420	2	fintechs	fintech	NOUN
ajfti-2325	420	3	report	report	NOUN
ajfti-2325	420	4	.	.	PUNCT
ajfti-2325	421	1	mutua	mutua	PROPN
ajfti-2325	421	2	,	,	PUNCT
ajfti-2325	421	3	j.	j.	PROPN
ajfti-2325	421	4	k.	k.	PROPN
ajfti-2325	421	5	,	,	PUNCT
ajfti-2325	421	6	&	&	CCONJ
ajfti-2325	421	7	ouma	ouma	PROPN
ajfti-2325	421	8	,	,	PUNCT
ajfti-2325	421	9	c.	c.	PROPN
ajfti-2325	421	10	a.	a.	PROPN
ajfti-2325	421	11	(	(	PUNCT
ajfti-2325	421	12	2017	2017	NUM
ajfti-2325	421	13	)	)	PUNCT
ajfti-2325	421	14	.	.	PUNCT
ajfti-2325	422	1	the	the	DET
ajfti-2325	422	2	impact	impact	NOUN
ajfti-2325	422	3	of	of	ADP
ajfti-2325	422	4	mobile	mobile	ADJ
ajfti-2325	422	5	banking	banking	NOUN
ajfti-2325	422	6	on	on	ADP
ajfti-2325	422	7	financial	financial	ADJ
ajfti-2325	422	8	inclusivity	inclusivity	NOUN
ajfti-2325	422	9	in	in	ADP
ajfti-2325	422	10	kenya	kenya	PROPN
ajfti-2325	422	11	.	.	PUNCT
ajfti-2325	423	1	journal	journal	PROPN
ajfti-2325	423	2	of	of	ADP
ajfti-2325	423	3	financial	financial	ADJ
ajfti-2325	423	4	technology	technology	NOUN
ajfti-2325	423	5	,	,	PUNCT
ajfti-2325	423	6	2(3	2(3	NUM
ajfti-2325	423	7	)	)	PUNCT
ajfti-2325	423	8	,	,	PUNCT
ajfti-2325	423	9	45	45	NUM
ajfti-2325	423	10	-	-	SYM
ajfti-2325	423	11	58	58	NUM
ajfti-2325	423	12	.	.	PUNCT
ajfti-2325	424	1	nigerian	nigerian	PROPN
ajfti-2325	424	2	communications	communications	PROPN
ajfti-2325	424	3	commission	commission	PROPN
ajfti-2325	424	4	.	.	PUNCT
ajfti-2325	425	1	(	(	PUNCT
ajfti-2325	425	2	2020	2020	NUM
ajfti-2325	425	3	)	)	PUNCT
ajfti-2325	425	4	.	.	PUNCT
ajfti-2325	426	1	telecommunications	telecommunication	NOUN
ajfti-2325	426	2	data	data	PROPN
ajfti-2325	426	3	:	:	PUNCT
ajfti-2325	426	4	internet	internet	NOUN
ajfti-2325	426	5	subscribers	subscriber	NOUN
ajfti-2325	426	6	by	by	ADP
ajfti-2325	426	7	provider	provider	NOUN
ajfti-2325	426	8	.	.	PUNCT
ajfti-2325	427	1	nigerian	nigerian	ADJ
ajfti-2325	427	2	inter	inter	PROPN
ajfti-2325	427	3	-	-	ADJ
ajfti-2325	427	4	bank	bank	ADJ
ajfti-2325	427	5	settlement	settlement	NOUN
ajfti-2325	427	6	system	system	NOUN
ajfti-2325	427	7	(	(	PUNCT
ajfti-2325	427	8	nibss	nibss	NOUN
ajfti-2325	427	9	)	)	PUNCT
ajfti-2325	427	10	.	.	PUNCT
ajfti-2325	428	1	(	(	PUNCT
ajfti-2325	428	2	2020	2020	NUM
ajfti-2325	428	3	)	)	PUNCT
ajfti-2325	428	4	.	.	PUNCT
ajfti-2325	429	1	instant	instant	ADJ
ajfti-2325	429	2	payment	payment	NOUN
ajfti-2325	429	3	transactions	transaction	NOUN
ajfti-2325	429	4	report	report	VERB
ajfti-2325	429	5	2019	2019	NUM
ajfti-2325	429	6	.	.	PUNCT
ajfti-2325	430	1	obinna	obinna	PROPN
ajfti-2325	430	2	,	,	PUNCT
ajfti-2325	430	3	o.	o.	PROPN
ajfti-2325	430	4	c.	c.	PROPN
ajfti-2325	430	5	,	,	PUNCT
ajfti-2325	430	6	&	&	CCONJ
ajfti-2325	430	7	uche	uche	PROPN
ajfti-2325	430	8	,	,	PUNCT
ajfti-2325	430	9	u.	u.	PROPN
ajfti-2325	430	10	i.	i.	PROPN
ajfti-2325	430	11	(	(	PUNCT
ajfti-2325	430	12	2017	2017	NUM
ajfti-2325	430	13	)	)	PUNCT
ajfti-2325	430	14	.	.	PUNCT
ajfti-2325	431	1	digital	digital	ADJ
ajfti-2325	431	2	payments	payment	NOUN
ajfti-2325	431	3	and	and	CCONJ
ajfti-2325	431	4	economic	economic	ADJ
ajfti-2325	431	5	growth	growth	NOUN
ajfti-2325	431	6	in	in	ADP
ajfti-2325	431	7	nigeria	nigeria	PROPN
ajfti-2325	431	8	:	:	PUNCT
ajfti-2325	431	9	risks	risk	NOUN
ajfti-2325	431	10	and	and	CCONJ
ajfti-2325	431	11	rewards	reward	NOUN
ajfti-2325	431	12	.	.	PUNCT
ajfti-2325	432	1	nigerian	nigerian	ADJ
ajfti-2325	432	2	journal	journal	PROPN
ajfti-2325	432	3	of	of	ADP
ajfti-2325	432	4	economic	economic	ADJ
ajfti-2325	432	5	research	research	NOUN
ajfti-2325	432	6	,	,	PUNCT
ajfti-2325	432	7	22	22	NUM
ajfti-2325	432	8	,	,	PUNCT
ajfti-2325	432	9	18	18	NUM
ajfti-2325	432	10	-	-	SYM
ajfti-2325	432	11	31	31	NUM
ajfti-2325	432	12	.	.	PUNCT
ajfti-2325	433	1	ondrus	ondrus	PROPN
ajfti-2325	433	2	,	,	PUNCT
ajfti-2325	433	3	j.	j.	PROPN
ajfti-2325	433	4	,	,	PUNCT
ajfti-2325	433	5	&	&	CCONJ
ajfti-2325	433	6	lyytinen	lyytinen	PROPN
ajfti-2325	433	7	,	,	PUNCT
ajfti-2325	433	8	k.	k.	PROPN
ajfti-2325	433	9	(	(	PUNCT
ajfti-2325	433	10	2015	2015	NUM
ajfti-2325	433	11	)	)	PUNCT
ajfti-2325	433	12	.	.	PUNCT
ajfti-2325	434	1	mobile	mobile	ADJ
ajfti-2325	434	2	payments	payment	NOUN
ajfti-2325	434	3	market	market	NOUN
ajfti-2325	434	4	:	:	PUNCT
ajfti-2325	434	5	towards	towards	ADP
ajfti-2325	434	6	another	another	DET
ajfti-2325	434	7	global	global	ADJ
ajfti-2325	434	8	tech	tech	NOUN
ajfti-2325	434	9	bubble	bubble	NOUN
ajfti-2325	434	10	?	?	PUNCT
ajfti-2325	435	1	telecommunications	telecommunication	NOUN
ajfti-2325	435	2	policy	policy	NOUN
ajfti-2325	435	3	,	,	PUNCT
ajfti-2325	435	4	39(3	39(3	NUM
ajfti-2325	435	5	-	-	SYM
ajfti-2325	435	6	4	4	NUM
ajfti-2325	435	7	)	)	PUNCT
ajfti-2325	435	8	,	,	PUNCT
ajfti-2325	435	9	221	221	NUM
ajfti-2325	435	10	-	-	SYM
ajfti-2325	435	11	232	232	NUM
ajfti-2325	435	12	.	.	PUNCT
ajfti-2325	436	1	patil	patil	PROPN
ajfti-2325	436	2	,	,	PUNCT
ajfti-2325	436	3	s.	s.	PROPN
ajfti-2325	436	4	,	,	PUNCT
ajfti-2325	436	5	&	&	CCONJ
ajfti-2325	436	6	kumar	kumar	PROPN
ajfti-2325	436	7	,	,	PUNCT
ajfti-2325	436	8	r.	r.	PROPN
ajfti-2325	436	9	(	(	PUNCT
ajfti-2325	436	10	2018	2018	NUM
ajfti-2325	436	11	)	)	PUNCT
ajfti-2325	436	12	.	.	PUNCT
ajfti-2325	437	1	e	e	X
ajfti-2325	437	2	-	-	NOUN
ajfti-2325	437	3	commerce	commerce	NOUN
ajfti-2325	437	4	and	and	CCONJ
ajfti-2325	437	5	india	india	PROPN
ajfti-2325	437	6	’s	’s	PART
ajfti-2325	437	7	economic	economic	ADJ
ajfti-2325	437	8	growth	growth	NOUN
ajfti-2325	437	9	:	:	PUNCT
ajfti-2325	437	10	an	an	DET
ajfti-2325	437	11	analytical	analytical	ADJ
ajfti-2325	437	12	exploration	exploration	NOUN
ajfti-2325	437	13	.	.	PUNCT
ajfti-2325	438	1	indian	indian	PROPN
ajfti-2325	438	2	journal	journal	PROPN
ajfti-2325	438	3	of	of	ADP
ajfti-2325	438	4	commerce	commerce	PROPN
ajfti-2325	438	5	,	,	PUNCT
ajfti-2325	438	6	5(2	5(2	NUM
ajfti-2325	438	7	)	)	PUNCT
ajfti-2325	438	8	,	,	PUNCT
ajfti-2325	438	9	34	34	NUM
ajfti-2325	438	10	-	-	SYM
ajfti-2325	438	11	47	47	NUM
ajfti-2325	438	12	.	.	PUNCT
ajfti-2325	439	1	phillips	phillip	NOUN
ajfti-2325	439	2	,	,	PUNCT
ajfti-2325	439	3	p.	p.	PROPN
ajfti-2325	439	4	c.	c.	PROPN
ajfti-2325	439	5	,	,	PUNCT
ajfti-2325	439	6	&	&	CCONJ
ajfti-2325	439	7	hansen	hansen	PROPN
ajfti-2325	439	8	,	,	PUNCT
ajfti-2325	439	9	b.	b.	PROPN
ajfti-2325	439	10	e.	e.	PROPN
ajfti-2325	439	11	(	(	PUNCT
ajfti-2325	439	12	1990	1990	NUM
ajfti-2325	439	13	)	)	PUNCT
ajfti-2325	439	14	.	.	PUNCT
ajfti-2325	440	1	statistical	statistical	ADJ
ajfti-2325	440	2	inference	inference	NOUN
ajfti-2325	440	3	in	in	ADP
ajfti-2325	440	4	instrumental	instrumental	ADJ
ajfti-2325	440	5	variables	variable	NOUN
ajfti-2325	440	6	regression	regression	VERB
ajfti-2325	440	7	with	with	ADP
ajfti-2325	440	8	i(1	i(1	PROPN
ajfti-2325	440	9	)	)	PUNCT
ajfti-2325	440	10	processes	process	NOUN
ajfti-2325	440	11	.	.	PUNCT
ajfti-2325	441	1	review	review	NOUN
ajfti-2325	441	2	of	of	ADP
ajfti-2325	441	3	economic	economic	ADJ
ajfti-2325	441	4	studies	study	NOUN
ajfti-2325	441	5	,	,	PUNCT
ajfti-2325	441	6	57(1	57(1	NUM
ajfti-2325	441	7	)	)	PUNCT
ajfti-2325	441	8	,	,	PUNCT
ajfti-2325	441	9	99	99	NUM
ajfti-2325	441	10	-	-	SYM
ajfti-2325	441	11	125	125	NUM
ajfti-2325	441	12	.	.	PUNCT
ajfti-2325	442	1	rogers	rogers	PROPN
ajfti-2325	442	2	,	,	PUNCT
ajfti-2325	442	3	e.	e.	PROPN
ajfti-2325	442	4	m.	m.	PROPN
ajfti-2325	442	5	(	(	PUNCT
ajfti-2325	442	6	1962	1962	NUM
ajfti-2325	442	7	)	)	PUNCT
ajfti-2325	442	8	.	.	PUNCT
ajfti-2325	443	1	diffusion	diffusion	NOUN
ajfti-2325	443	2	of	of	ADP
ajfti-2325	443	3	innovations	innovation	NOUN
ajfti-2325	443	4	.	.	PUNCT
ajfti-2325	444	1	free	free	ADJ
ajfti-2325	444	2	press	press	NOUN
ajfti-2325	444	3	.	.	PUNCT
ajfti-2325	445	1	romer	romer	NOUN
ajfti-2325	445	2	,	,	PUNCT
ajfti-2325	445	3	p.	p.	NOUN
ajfti-2325	445	4	m.	m.	NOUN
ajfti-2325	445	5	(	(	PUNCT
ajfti-2325	445	6	1986	1986	NUM
ajfti-2325	445	7	)	)	PUNCT
ajfti-2325	445	8	.	.	PUNCT
ajfti-2325	446	1	increasing	increase	VERB
ajfti-2325	446	2	returns	return	NOUN
ajfti-2325	446	3	and	and	CCONJ
ajfti-2325	446	4	long	long	ADV
ajfti-2325	446	5	-	-	PUNCT
ajfti-2325	446	6	run	run	VERB
ajfti-2325	446	7	growth	growth	NOUN
ajfti-2325	446	8	.	.	PUNCT
ajfti-2325	447	1	journal	journal	NOUN
ajfti-2325	447	2	of	of	ADP
ajfti-2325	447	3	political	political	ADJ
ajfti-2325	447	4	economy	economy	NOUN
ajfti-2325	447	5	,	,	PUNCT
ajfti-2325	447	6	94(5	94(5	NOUN
ajfti-2325	447	7	)	)	PUNCT
ajfti-2325	447	8	,	,	PUNCT
ajfti-2325	447	9	1002	1002	NUM
ajfti-2325	447	10	-	-	SYM
ajfti-2325	447	11	1037	1037	NUM
ajfti-2325	447	12	.	.	PUNCT
ajfti-2325	448	1	schueffel	schueffel	NOUN
ajfti-2325	448	2	,	,	PUNCT
ajfti-2325	448	3	p.	p.	NOUN
ajfti-2325	448	4	(	(	PUNCT
ajfti-2325	448	5	2017	2017	NUM
ajfti-2325	448	6	)	)	PUNCT
ajfti-2325	448	7	.	.	PUNCT
ajfti-2325	449	1	taming	tame	VERB
ajfti-2325	449	2	the	the	DET
ajfti-2325	449	3	beast	beast	NOUN
ajfti-2325	449	4	:	:	PUNCT
ajfti-2325	449	5	a	a	DET
ajfti-2325	449	6	scientific	scientific	ADJ
ajfti-2325	449	7	definition	definition	NOUN
ajfti-2325	449	8	of	of	ADP
ajfti-2325	449	9	fintech	fintech	NOUN
ajfti-2325	449	10	.	.	PUNCT
ajfti-2325	450	1	journal	journal	PROPN
ajfti-2325	450	2	of	of	ADP
ajfti-2325	450	3	innovation	innovation	NOUN
ajfti-2325	450	4	management	management	NOUN
ajfti-2325	450	5	,	,	PUNCT
ajfti-2325	450	6	4(4	4(4	NUM
ajfti-2325	450	7	)	)	PUNCT
ajfti-2325	450	8	,	,	PUNCT
ajfti-2325	450	9	32	32	NUM
ajfti-2325	450	10	-	-	SYM
ajfti-2325	450	11	54	54	NUM
ajfti-2325	450	12	.	.	PUNCT
ajfti-2325	451	1	singh	singh	PROPN
ajfti-2325	451	2	,	,	PUNCT
ajfti-2325	451	3	r.	r.	PROPN
ajfti-2325	451	4	,	,	PUNCT
ajfti-2325	451	5	&	&	CCONJ
ajfti-2325	451	6	agrawal	agrawal	PROPN
ajfti-2325	451	7	,	,	PUNCT
ajfti-2325	451	8	r.	r.	PROPN
ajfti-2325	451	9	(	(	PUNCT
ajfti-2325	451	10	2019	2019	NUM
ajfti-2325	451	11	)	)	PUNCT
ajfti-2325	451	12	.	.	PUNCT
ajfti-2325	452	1	mobile	mobile	ADJ
ajfti-2325	452	2	payments	payment	NOUN
ajfti-2325	452	3	and	and	CCONJ
ajfti-2325	452	4	india	india	PROPN
ajfti-2325	452	5	’s	’s	PART
ajfti-2325	452	6	road	road	NOUN
ajfti-2325	452	7	to	to	ADP
ajfti-2325	452	8	financial	financial	ADJ
ajfti-2325	452	9	inclusion	inclusion	NOUN
ajfti-2325	452	10	:	:	PUNCT
ajfti-2325	452	11	a	a	DET
ajfti-2325	452	12	structural	structural	ADJ
ajfti-2325	452	13	analysis	analysis	NOUN
ajfti-2325	452	14	.	.	PUNCT
ajfti-2325	453	1	asian	asian	ADJ
ajfti-2325	453	2	journal	journal	PROPN
ajfti-2325	453	3	of	of	ADP
ajfti-2325	453	4	financial	financial	ADJ
ajfti-2325	453	5	markets	market	NOUN
ajfti-2325	453	6	,	,	PUNCT
ajfti-2325	453	7	6(2	6(2	NUM
ajfti-2325	453	8	)	)	PUNCT
ajfti-2325	453	9	,	,	PUNCT
ajfti-2325	453	10	34	34	NUM
ajfti-2325	453	11	-	-	SYM
ajfti-2325	453	12	49	49	NUM
ajfti-2325	453	13	.	.	PUNCT
ajfti-2325	454	1	solow	solow	PROPN
ajfti-2325	454	2	,	,	PUNCT
ajfti-2325	454	3	r.	r.	PROPN
ajfti-2325	454	4	m.	m.	PROPN
ajfti-2325	454	5	(	(	PUNCT
ajfti-2325	454	6	1956	1956	NUM
ajfti-2325	454	7	)	)	PUNCT
ajfti-2325	454	8	.	.	PUNCT
ajfti-2325	455	1	a	a	DET
ajfti-2325	455	2	contribution	contribution	NOUN
ajfti-2325	455	3	to	to	ADP
ajfti-2325	455	4	the	the	DET
ajfti-2325	455	5	theory	theory	NOUN
ajfti-2325	455	6	of	of	ADP
ajfti-2325	455	7	economic	economic	ADJ
ajfti-2325	455	8	growth	growth	NOUN
ajfti-2325	455	9	.	.	PUNCT
ajfti-2325	456	1	quarterly	quarterly	ADJ
ajfti-2325	456	2	journal	journal	NOUN
ajfti-2325	456	3	of	of	ADP
ajfti-2325	456	4	economics	economic	NOUN
ajfti-2325	456	5	,	,	PUNCT
ajfti-2325	456	6	70(1	70(1	NOUN
ajfti-2325	456	7	)	)	PUNCT
ajfti-2325	456	8	,	,	PUNCT
ajfti-2325	456	9	65	65	NUM
ajfti-2325	456	10	-	-	SYM
ajfti-2325	456	11	94	94	NUM
ajfti-2325	456	12	.	.	PUNCT
ajfti-2325	456	13	statista	statista	NOUN
ajfti-2325	456	14	.	.	PUNCT
ajfti-2325	457	1	(	(	PUNCT
ajfti-2325	457	2	2020	2020	NUM
ajfti-2325	457	3	)	)	PUNCT
ajfti-2325	457	4	.	.	PUNCT
ajfti-2325	458	1	nigeria	nigeria	PROPN
ajfti-2325	458	2	:	:	PUNCT
ajfti-2325	459	1	e	e	X
ajfti-2325	459	2	-	-	NOUN
ajfti-2325	459	3	commerce	commerce	NOUN
ajfti-2325	459	4	market	market	NOUN
ajfti-2325	459	5	value	value	NOUN
ajfti-2325	459	6	2014	2014	NUM
ajfti-2325	459	7	-	-	SYM
ajfti-2325	459	8	2019	2019	NUM
ajfti-2325	459	9	.	.	PUNCT
ajfti-2325	459	10	statista	statista	NOUN
ajfti-2325	459	11	.	.	PUNCT
ajfti-2325	460	1	(	(	PUNCT
ajfti-2325	460	2	2021	2021	NUM
ajfti-2325	460	3	)	)	PUNCT
ajfti-2325	460	4	.	.	PUNCT
ajfti-2325	461	1	digital	digital	ADJ
ajfti-2325	461	2	payment	payment	NOUN
ajfti-2325	461	3	transaction	transaction	NOUN
ajfti-2325	461	4	value	value	NOUN
ajfti-2325	461	5	forecast	forecast	NOUN
ajfti-2325	461	6	worldwide	worldwide	ADV
ajfti-2325	461	7	from	from	ADP
ajfti-2325	461	8	2017	2017	NUM
ajfti-2325	461	9	to	to	ADP
ajfti-2325	461	10	2021	2021	NUM
ajfti-2325	461	11	.	.	PUNCT
ajfti-2325	462	1	retrieved	retrieve	VERB
ajfti-2325	462	2	from	from	ADP
ajfti-2325	462	3	https://www.statista.com	https://www.statista.com	X
ajfti-2325	462	4	tapscott	tapscott	PROPN
ajfti-2325	462	5	,	,	PUNCT
ajfti-2325	462	6	d.	d.	PROPN
ajfti-2325	462	7	,	,	PUNCT
ajfti-2325	462	8	&	&	CCONJ
ajfti-2325	462	9	tapscott	tapscott	PROPN
ajfti-2325	462	10	,	,	PUNCT
ajfti-2325	462	11	a.	a.	NOUN
ajfti-2325	462	12	(	(	PUNCT
ajfti-2325	462	13	2016	2016	NUM
ajfti-2325	462	14	)	)	PUNCT
ajfti-2325	462	15	.	.	PUNCT
ajfti-2325	463	1	blockchain	blockchain	PROPN
ajfti-2325	463	2	revolution	revolution	PROPN
ajfti-2325	463	3	:	:	PUNCT
ajfti-2325	463	4	how	how	SCONJ
ajfti-2325	463	5	the	the	DET
ajfti-2325	463	6	technology	technology	NOUN
ajfti-2325	463	7	behind	behind	ADP
ajfti-2325	463	8	bitcoin	bitcoin	NOUN
ajfti-2325	463	9	is	be	AUX
ajfti-2325	463	10	changing	change	VERB
ajfti-2325	463	11	money	money	NOUN
ajfti-2325	463	12	,	,	PUNCT
ajfti-2325	463	13	business	business	NOUN
ajfti-2325	463	14	,	,	PUNCT
ajfti-2325	463	15	and	and	CCONJ
ajfti-2325	463	16	the	the	DET
ajfti-2325	463	17	world	world	NOUN
ajfti-2325	463	18	.	.	PUNCT
ajfti-2325	464	1	penguin	penguin	PROPN
ajfti-2325	464	2	.	.	PUNCT
ajfti-2325	465	1	teshome	teshome	PROPN
ajfti-2325	465	2	,	,	PUNCT
ajfti-2325	465	3	a.	a.	NOUN
ajfti-2325	465	4	(	(	PUNCT
ajfti-2325	465	5	2021	2021	NUM
ajfti-2325	465	6	)	)	PUNCT
ajfti-2325	465	7	.	.	PUNCT
ajfti-2325	466	1	digital	digital	ADJ
ajfti-2325	466	2	payments	payment	NOUN
ajfti-2325	466	3	in	in	ADP
ajfti-2325	466	4	ethiopia	ethiopia	PROPN
ajfti-2325	466	5	:	:	PUNCT
ajfti-2325	466	6	opportunities	opportunity	NOUN
ajfti-2325	466	7	and	and	CCONJ
ajfti-2325	466	8	challenges	challenge	NOUN
ajfti-2325	466	9	.	.	PUNCT
ajfti-2325	467	1	ethiopian	ethiopian	ADJ
ajfti-2325	467	2	journal	journal	PROPN
ajfti-2325	467	3	of	of	ADP
ajfti-2325	467	4	innovation	innovation	NOUN
ajfti-2325	467	5	and	and	CCONJ
ajfti-2325	467	6	technology	technology	NOUN
ajfti-2325	467	7	,	,	PUNCT
ajfti-2325	467	8	4(1	4(1	NOUN
ajfti-2325	467	9	)	)	PUNCT
ajfti-2325	467	10	,	,	PUNCT
ajfti-2325	467	11	45	45	NUM
ajfti-2325	467	12	-	-	SYM
ajfti-2325	467	13	61	61	NUM
ajfti-2325	467	14	.	.	PUNCT
ajfti-2325	468	1	wolfram	wolfram	PROPN
ajfti-2325	468	2	,	,	PUNCT
ajfti-2325	468	3	w.	w.	PROPN
ajfti-2325	468	4	(	(	PUNCT
ajfti-2325	468	5	2016	2016	NUM
ajfti-2325	468	6	)	)	PUNCT
ajfti-2325	468	7	.	.	PUNCT
ajfti-2325	469	1	reconsidering	reconsider	VERB
ajfti-2325	469	2	the	the	DET
ajfti-2325	469	3	diffusion	diffusion	NOUN
ajfti-2325	469	4	of	of	ADP
ajfti-2325	469	5	innovations	innovation	NOUN
ajfti-2325	469	6	:	:	PUNCT
ajfti-2325	469	7	an	an	DET
ajfti-2325	469	8	examination	examination	NOUN
ajfti-2325	469	9	of	of	ADP
ajfti-2325	469	10	the	the	DET
ajfti-2325	469	11	dynamics	dynamic	NOUN
ajfti-2325	469	12	of	of	ADP
ajfti-2325	469	13	network	network	NOUN
ajfti-2325	469	14	externalities	externality	NOUN
ajfti-2325	469	15	.	.	PUNCT
ajfti-2325	470	1	information	information	NOUN
ajfti-2325	470	2	systems	system	NOUN
ajfti-2325	470	3	journal	journal	NOUN
ajfti-2325	470	4	,	,	PUNCT
ajfti-2325	470	5	26(2	26(2	NUM
ajfti-2325	470	6	)	)	PUNCT
ajfti-2325	470	7	,	,	PUNCT
ajfti-2325	470	8	119	119	NUM
ajfti-2325	470	9	-	-	SYM
ajfti-2325	470	10	140	140	NUM
ajfti-2325	470	11	.	.	PUNCT
ajfti-2325	471	1	world	world	PROPN
ajfti-2325	471	2	bank	bank	PROPN
ajfti-2325	471	3	.	.	PUNCT
ajfti-2325	472	1	(	(	PUNCT
ajfti-2325	472	2	2020	2020	NUM
ajfti-2325	472	3	)	)	PUNCT
ajfti-2325	472	4	.	.	PUNCT
ajfti-2325	473	1	nigeria	nigeria	PRON
ajfti-2325	473	2	:	:	PUNCT
ajfti-2325	473	3	overview	overview	NOUN
ajfti-2325	473	4	.	.	PUNCT
ajfti-2325	474	1	retrieved	retrieve	VERB
ajfti-2325	474	2	from	from	ADP
ajfti-2325	474	3	world	world	PROPN
ajfti-2325	474	4	bank	bank	NOUN
ajfti-2325	474	5	website	website	NOUN
ajfti-2325	474	6	.	.	PUNCT
ajfti-2325	475	1	zavolokina	zavolokina	PROPN
ajfti-2325	475	2	,	,	PUNCT
ajfti-2325	475	3	l.	l.	PROPN
ajfti-2325	475	4	,	,	PUNCT
ajfti-2325	475	5	dolata	dolata	PROPN
ajfti-2325	475	6	,	,	PUNCT
ajfti-2325	475	7	m.	m.	NOUN
ajfti-2325	475	8	,	,	PUNCT
ajfti-2325	475	9	&	&	CCONJ
ajfti-2325	475	10	schwabe	schwabe	PROPN
ajfti-2325	475	11	,	,	PUNCT
ajfti-2325	475	12	g.	g.	PROPN
ajfti-2325	475	13	(	(	PUNCT
ajfti-2325	475	14	2016	2016	NUM
ajfti-2325	475	15	)	)	PUNCT
ajfti-2325	475	16	.	.	PUNCT
ajfti-2325	476	1	fintech	fintech	NOUN
ajfti-2325	476	2	–	–	PUNCT
ajfti-2325	476	3	what	what	PRON
ajfti-2325	476	4	’s	’	VERB
ajfti-2325	476	5	in	in	ADP
ajfti-2325	476	6	a	a	DET
ajfti-2325	476	7	name	name	NOUN
ajfti-2325	476	8	?	?	PUNCT
ajfti-2325	477	1	in	in	ADP
ajfti-2325	477	2	proceedings	proceeding	NOUN
ajfti-2325	477	3	of	of	ADP
ajfti-2325	477	4	the	the	DET
ajfti-2325	477	5	37th	37th	ADJ
ajfti-2325	477	6	international	international	ADJ
ajfti-2325	477	7	conference	conference	NOUN
ajfti-2325	477	8	on	on	ADP
ajfti-2325	477	9	information	information	NOUN
ajfti-2325	477	10	systems	system	NOUN
ajfti-2325	477	11	(	(	PUNCT
ajfti-2325	477	12	icis	icis	NOUN
ajfti-2325	477	13	2016	2016	NUM
ajfti-2325	477	14	)	)	PUNCT
ajfti-2325	477	15	,	,	PUNCT
ajfti-2325	477	16	dublin	dublin	PROPN
ajfti-2325	477	17	,	,	PUNCT
ajfti-2325	477	18	ireland	ireland	PROPN
ajfti-2325	477	19	.	.	PUNCT
ajfti-2325	478	1	zhang	zhang	PROPN
ajfti-2325	478	2	,	,	PUNCT
ajfti-2325	478	3	b.	b.	PROPN
ajfti-2325	478	4	,	,	PUNCT
ajfti-2325	478	5	guo	guo	PROPN
ajfti-2325	478	6	,	,	PUNCT
ajfti-2325	478	7	y.	y.	PROPN
ajfti-2325	478	8	,	,	PUNCT
ajfti-2325	478	9	&	&	CCONJ
ajfti-2325	478	10	chen	chen	PROPN
ajfti-2325	478	11	,	,	PUNCT
ajfti-2325	478	12	p.	p.	NOUN
ajfti-2325	478	13	(	(	PUNCT
ajfti-2325	478	14	2016	2016	NUM
ajfti-2325	478	15	)	)	PUNCT
ajfti-2325	478	16	.	.	PUNCT
ajfti-2325	479	1	mobile	mobile	ADJ
ajfti-2325	479	2	payment	payment	NOUN
ajfti-2325	479	3	:	:	PUNCT
ajfti-2325	479	4	the	the	DET
ajfti-2325	479	5	origins	origin	NOUN
ajfti-2325	479	6	,	,	PUNCT
ajfti-2325	479	7	the	the	DET
ajfti-2325	479	8	technologies	technology	NOUN
ajfti-2325	479	9	,	,	PUNCT
ajfti-2325	479	10	and	and	CCONJ
ajfti-2325	479	11	the	the	DET
ajfti-2325	479	12	business	business	NOUN
ajfti-2325	479	13	models	model	NOUN
ajfti-2325	479	14	.	.	PUNCT
ajfti-2325	480	1	electronic	electronic	ADJ
ajfti-2325	480	2	commerce	commerce	NOUN
ajfti-2325	480	3	research	research	NOUN
ajfti-2325	480	4	and	and	CCONJ
ajfti-2325	480	5	applications	application	NOUN
ajfti-2325	480	6	,	,	PUNCT
ajfti-2325	480	7	20	20	NUM
ajfti-2325	480	8	,	,	PUNCT
ajfti-2325	480	9	141	141	NUM
ajfti-2325	480	10	-	-	SYM
ajfti-2325	480	11	150	150	NUM
ajfti-2325	480	12	.	.	PUNCT