id	sid	tid	token	lemma	pos
ajfti-2557	1	1	pa	pa	PROPN
ajfti-2557	1	2	ge	ge	PROPN
ajfti-2557	1	3	1	1	NUM
ajfti-2557	1	4	pa	pa	PROPN
ajfti-2557	1	5	ge	ge	PROPN
ajfti-2557	1	6	25	25	NUM
ajfti-2557	1	7	american	american	PROPN
ajfti-2557	1	8	journal	journal	PROPN
ajfti-2557	1	9	of	of	ADP
ajfti-2557	1	10	financial	financial	ADJ
ajfti-2557	1	11	technology	technology	NOUN
ajfti-2557	1	12	and	and	CCONJ
ajfti-2557	1	13	innovation	innovation	NOUN
ajfti-2557	1	14	(	(	PUNCT
ajfti-2557	1	15	ajfti	ajfti	NOUN
ajfti-2557	1	16	)	)	PUNCT
ajfti-2557	1	17	assessing	assess	VERB
ajfti-2557	1	18	the	the	DET
ajfti-2557	1	19	role	role	NOUN
ajfti-2557	1	20	of	of	ADP
ajfti-2557	1	21	fintech	fintech	NOUN
ajfti-2557	1	22	in	in	ADP
ajfti-2557	1	23	the	the	DET
ajfti-2557	1	24	economic	economic	ADJ
ajfti-2557	1	25	growth	growth	NOUN
ajfti-2557	1	26	and	and	CCONJ
ajfti-2557	1	27	development	development	NOUN
ajfti-2557	1	28	in	in	ADP
ajfti-2557	1	29	rwanda	rwanda	PROPN
ajfti-2557	1	30	(	(	PUNCT
ajfti-2557	1	31	2018	2018	NUM
ajfti-2557	1	32	-	-	SYM
ajfti-2557	1	33	2023	2023	NUM
ajfti-2557	1	34	)	)	PUNCT
ajfti-2557	1	35	munana	munana	NOUN
ajfti-2557	1	36	mugisha	mugisha	PROPN
ajfti-2557	1	37	salim1	salim1	PROPN
ajfti-2557	1	38	*	*	PUNCT
ajfti-2557	1	39	volume	volume	NOUN
ajfti-2557	1	40	2	2	NUM
ajfti-2557	1	41	issue	issue	NOUN
ajfti-2557	1	42	1	1	NUM
ajfti-2557	1	43	,	,	PUNCT
ajfti-2557	1	44	year	year	NOUN
ajfti-2557	1	45	2024	2024	NUM
ajfti-2557	1	46	issn	issn	X
ajfti-2557	1	47	:	:	PUNCT
ajfti-2557	1	48	2996	2996	NUM
ajfti-2557	1	49	-	-	SYM
ajfti-2557	1	50	0975	0975	NUM
ajfti-2557	1	51	(	(	PUNCT
ajfti-2557	1	52	online	online	ADJ
ajfti-2557	1	53	)	)	PUNCT
ajfti-2557	1	54	https://doi.org/10.54536/ajfti.v2i1.2557	https://doi.org/10.54536/ajfti.v2i1.2557	PROPN
ajfti-2557	1	55	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	PROPN
ajfti-2557	1	56	article	article	NOUN
ajfti-2557	1	57	information	information	NOUN
ajfti-2557	1	58	abstract	abstract	ADV
ajfti-2557	1	59	received	receive	VERB
ajfti-2557	1	60	:	:	PUNCT
ajfti-2557	1	61	february	february	PROPN
ajfti-2557	1	62	25	25	NUM
ajfti-2557	1	63	,	,	PUNCT
ajfti-2557	1	64	2024	2024	NUM
ajfti-2557	1	65	accepted	accept	VERB
ajfti-2557	1	66	:	:	PUNCT
ajfti-2557	1	67	march	march	PROPN
ajfti-2557	1	68	14	14	NUM
ajfti-2557	1	69	,	,	PUNCT
ajfti-2557	1	70	2024	2024	NUM
ajfti-2557	1	71	published	publish	VERB
ajfti-2557	1	72	:	:	PUNCT
ajfti-2557	1	73	july	july	PROPN
ajfti-2557	1	74	12	12	NUM
ajfti-2557	1	75	,	,	PUNCT
ajfti-2557	1	76	2024	2024	NUM
ajfti-2557	1	77	the	the	DET
ajfti-2557	1	78	study	study	NOUN
ajfti-2557	1	79	entitled	entitle	VERB
ajfti-2557	1	80	“	"	PUNCT
ajfti-2557	1	81	assessing	assess	VERB
ajfti-2557	1	82	the	the	DET
ajfti-2557	1	83	role	role	NOUN
ajfti-2557	1	84	of	of	ADP
ajfti-2557	1	85	fintech	fintech	NOUN
ajfti-2557	1	86	in	in	ADP
ajfti-2557	1	87	the	the	DET
ajfti-2557	1	88	economic	economic	ADJ
ajfti-2557	1	89	growth	growth	NOUN
ajfti-2557	1	90	and	and	CCONJ
ajfti-2557	1	91	development	development	NOUN
ajfti-2557	1	92	in	in	ADP
ajfti-2557	1	93	rwanda	rwanda	PROPN
ajfti-2557	1	94	(	(	PUNCT
ajfti-2557	1	95	2018	2018	NUM
ajfti-2557	1	96	-	-	SYM
ajfti-2557	1	97	2023	2023	NUM
ajfti-2557	1	98	)	)	PUNCT
ajfti-2557	1	99	”	"	PUNCT
ajfti-2557	1	100	was	be	AUX
ajfti-2557	1	101	conducted	conduct	VERB
ajfti-2557	1	102	to	to	PART
ajfti-2557	1	103	assess	assess	VERB
ajfti-2557	1	104	the	the	DET
ajfti-2557	1	105	validity	validity	NOUN
ajfti-2557	1	106	of	of	ADP
ajfti-2557	1	107	one	one	NUM
ajfti-2557	1	108	hypothesis	hypothesis	NOUN
ajfti-2557	1	109	,	,	PUNCT
ajfti-2557	1	110	which	which	PRON
ajfti-2557	1	111	was	be	AUX
ajfti-2557	1	112	divided	divide	VERB
ajfti-2557	1	113	into	into	ADP
ajfti-2557	1	114	two	two	NUM
ajfti-2557	1	115	hypotheses	hypothesis	NOUN
ajfti-2557	1	116	:	:	PUNCT
ajfti-2557	1	117	there	there	PRON
ajfti-2557	1	118	is	be	VERB
ajfti-2557	1	119	no	no	DET
ajfti-2557	1	120	significant	significant	ADJ
ajfti-2557	1	121	role	role	NOUN
ajfti-2557	1	122	of	of	ADP
ajfti-2557	1	123	fintech	fintech	NOUN
ajfti-2557	1	124	in	in	ADP
ajfti-2557	1	125	economic	economic	ADJ
ajfti-2557	1	126	growth	growth	NOUN
ajfti-2557	1	127	of	of	ADP
ajfti-2557	1	128	rwanda	rwanda	PROPN
ajfti-2557	1	129	and	and	CCONJ
ajfti-2557	1	130	the	the	DET
ajfti-2557	1	131	second	second	NOUN
ajfti-2557	1	132	is	be	AUX
ajfti-2557	1	133	there	there	PRON
ajfti-2557	1	134	is	be	VERB
ajfti-2557	1	135	no	no	DET
ajfti-2557	1	136	significant	significant	ADJ
ajfti-2557	1	137	role	role	NOUN
ajfti-2557	1	138	of	of	ADP
ajfti-2557	1	139	fintech	fintech	NOUN
ajfti-2557	1	140	on	on	ADP
ajfti-2557	1	141	economic	economic	ADJ
ajfti-2557	1	142	development	development	NOUN
ajfti-2557	1	143	of	of	ADP
ajfti-2557	1	144	rwanda	rwanda	PROPN
ajfti-2557	1	145	.	.	PUNCT
ajfti-2557	2	1	the	the	DET
ajfti-2557	2	2	study	study	NOUN
ajfti-2557	2	3	has	have	AUX
ajfti-2557	2	4	used	use	VERB
ajfti-2557	2	5	only	only	ADV
ajfti-2557	2	6	secondary	secondary	ADJ
ajfti-2557	2	7	data	datum	NOUN
ajfti-2557	2	8	.	.	PUNCT
ajfti-2557	3	1	the	the	DET
ajfti-2557	3	2	indicators	indicator	NOUN
ajfti-2557	3	3	for	for	ADP
ajfti-2557	3	4	hypotheses	hypothesis	NOUN
ajfti-2557	3	5	testing	testing	NOUN
ajfti-2557	3	6	were	be	AUX
ajfti-2557	3	7	assumed	assume	VERB
ajfti-2557	3	8	3	3	NUM
ajfti-2557	3	9	indicators	indicator	NOUN
ajfti-2557	3	10	for	for	ADP
ajfti-2557	3	11	the	the	DET
ajfti-2557	3	12	independent	independent	ADJ
ajfti-2557	3	13	variable	variable	NOUN
ajfti-2557	3	14	and	and	CCONJ
ajfti-2557	3	15	two	two	NUM
ajfti-2557	3	16	indicators	indicator	NOUN
ajfti-2557	3	17	under	under	ADP
ajfti-2557	3	18	the	the	DET
ajfti-2557	3	19	dependent	dependent	ADJ
ajfti-2557	3	20	variable	variable	NOUN
ajfti-2557	3	21	(	(	PUNCT
ajfti-2557	3	22	see	see	VERB
ajfti-2557	3	23	the	the	DET
ajfti-2557	3	24	conceptual	conceptual	ADJ
ajfti-2557	3	25	framework	framework	NOUN
ajfti-2557	3	26	)	)	PUNCT
ajfti-2557	3	27	.	.	PUNCT
ajfti-2557	4	1	data	datum	NOUN
ajfti-2557	4	2	were	be	AUX
ajfti-2557	4	3	collected	collect	VERB
ajfti-2557	4	4	from	from	ADP
ajfti-2557	4	5	the	the	DET
ajfti-2557	4	6	national	national	PROPN
ajfti-2557	4	7	institute	institute	PROPN
ajfti-2557	4	8	of	of	ADP
ajfti-2557	4	9	statistics	statistic	NOUN
ajfti-2557	4	10	(	(	PUNCT
ajfti-2557	4	11	nisr	nisr	NOUN
ajfti-2557	4	12	)	)	PUNCT
ajfti-2557	4	13	,	,	PUNCT
ajfti-2557	4	14	which	which	PRON
ajfti-2557	4	15	reported	report	VERB
ajfti-2557	4	16	national	national	ADJ
ajfti-2557	4	17	accounts	account	NOUN
ajfti-2557	4	18	,	,	PUNCT
ajfti-2557	4	19	world	world	PROPN
ajfti-2557	4	20	bank	bank	PROPN
ajfti-2557	4	21	data	data	PROPN
ajfti-2557	4	22	,	,	PUNCT
ajfti-2557	4	23	and	and	CCONJ
ajfti-2557	4	24	global	global	ADJ
ajfti-2557	4	25	economy	economy	NOUN
ajfti-2557	4	26	data	datum	NOUN
ajfti-2557	4	27	.	.	PUNCT
ajfti-2557	5	1	data	datum	NOUN
ajfti-2557	5	2	analysis	analysis	NOUN
ajfti-2557	5	3	was	be	AUX
ajfti-2557	5	4	performed	perform	VERB
ajfti-2557	5	5	with	with	ADP
ajfti-2557	5	6	the	the	DET
ajfti-2557	5	7	support	support	NOUN
ajfti-2557	5	8	of	of	ADP
ajfti-2557	5	9	ms	ms	PROPN
ajfti-2557	5	10	.	.	PROPN
ajfti-2557	5	11	excel	excel	PROPN
ajfti-2557	5	12	and	and	CCONJ
ajfti-2557	5	13	statistical	statistical	ADJ
ajfti-2557	5	14	package	package	NOUN
ajfti-2557	5	15	for	for	ADP
ajfti-2557	5	16	social	social	ADJ
ajfti-2557	5	17	scientist	scientist	NOUN
ajfti-2557	5	18	version	version	NOUN
ajfti-2557	5	19	20	20	NUM
ajfti-2557	5	20	(	(	PUNCT
ajfti-2557	5	21	spss	spss	PROPN
ajfti-2557	5	22	)	)	PUNCT
ajfti-2557	5	23	.	.	PUNCT
ajfti-2557	6	1	data	datum	NOUN
ajfti-2557	6	2	was	be	AUX
ajfti-2557	6	3	presented	present	VERB
ajfti-2557	6	4	in	in	ADP
ajfti-2557	6	5	the	the	DET
ajfti-2557	6	6	form	form	NOUN
ajfti-2557	6	7	of	of	ADP
ajfti-2557	6	8	descriptive	descriptive	ADJ
ajfti-2557	6	9	statistics	statistic	NOUN
ajfti-2557	6	10	and	and	CCONJ
ajfti-2557	6	11	inferential	inferential	ADJ
ajfti-2557	6	12	statistics	statistic	NOUN
ajfti-2557	6	13	(	(	PUNCT
ajfti-2557	6	14	linear	linear	PROPN
ajfti-2557	6	15	regression	regression	NOUN
ajfti-2557	6	16	model	model	NOUN
ajfti-2557	6	17	)	)	PUNCT
ajfti-2557	6	18	.	.	PUNCT
ajfti-2557	7	1	the	the	DET
ajfti-2557	7	2	conclusion	conclusion	NOUN
ajfti-2557	7	3	of	of	ADP
ajfti-2557	7	4	the	the	DET
ajfti-2557	7	5	study	study	NOUN
ajfti-2557	7	6	relies	rely	VERB
ajfti-2557	7	7	on	on	ADP
ajfti-2557	7	8	the	the	DET
ajfti-2557	7	9	acceptance	acceptance	NOUN
ajfti-2557	7	10	or	or	CCONJ
ajfti-2557	7	11	failure	failure	NOUN
ajfti-2557	7	12	to	to	PART
ajfti-2557	7	13	accept	accept	VERB
ajfti-2557	7	14	study	study	NOUN
ajfti-2557	7	15	hypotheses	hypothesis	NOUN
ajfti-2557	7	16	.	.	PUNCT
ajfti-2557	8	1	the	the	DET
ajfti-2557	8	2	main	main	ADJ
ajfti-2557	8	3	study	study	NOUN
ajfti-2557	8	4	hypothesis	hypothesis	NOUN
ajfti-2557	8	5	was	be	AUX
ajfti-2557	8	6	divided	divide	VERB
ajfti-2557	8	7	into	into	ADP
ajfti-2557	8	8	hypotheses	hypothesis	NOUN
ajfti-2557	8	9	for	for	ADP
ajfti-2557	8	10	easy	easy	ADJ
ajfti-2557	8	11	data	datum	NOUN
ajfti-2557	8	12	analysis	analysis	NOUN
ajfti-2557	8	13	,	,	PUNCT
ajfti-2557	8	14	which	which	PRON
ajfti-2557	8	15	has	have	AUX
ajfti-2557	8	16	simplified	simplify	VERB
ajfti-2557	8	17	and	and	CCONJ
ajfti-2557	8	18	led	lead	VERB
ajfti-2557	8	19	to	to	ADP
ajfti-2557	8	20	the	the	DET
ajfti-2557	8	21	provision	provision	NOUN
ajfti-2557	8	22	of	of	ADP
ajfti-2557	8	23	two	two	NUM
ajfti-2557	8	24	hypotheses	hypothesis	NOUN
ajfti-2557	8	25	:	:	PUNCT
ajfti-2557	8	26	one	one	NUM
ajfti-2557	8	27	for	for	ADP
ajfti-2557	8	28	the	the	DET
ajfti-2557	8	29	role	role	NOUN
ajfti-2557	8	30	of	of	ADP
ajfti-2557	8	31	fintech	fintech	NOUN
ajfti-2557	8	32	on	on	ADP
ajfti-2557	8	33	the	the	DET
ajfti-2557	8	34	economic	economic	ADJ
ajfti-2557	8	35	growth	growth	NOUN
ajfti-2557	8	36	of	of	ADP
ajfti-2557	8	37	rwanda	rwanda	PROPN
ajfti-2557	8	38	and	and	CCONJ
ajfti-2557	8	39	the	the	DET
ajfti-2557	8	40	second	second	ADJ
ajfti-2557	8	41	on	on	ADP
ajfti-2557	8	42	the	the	DET
ajfti-2557	8	43	role	role	NOUN
ajfti-2557	8	44	of	of	ADP
ajfti-2557	8	45	fintech	fintech	NOUN
ajfti-2557	8	46	on	on	ADP
ajfti-2557	8	47	the	the	DET
ajfti-2557	8	48	economic	economic	ADJ
ajfti-2557	8	49	development	development	NOUN
ajfti-2557	8	50	of	of	ADP
ajfti-2557	8	51	rwanda	rwanda	PROPN
ajfti-2557	8	52	.	.	PUNCT
ajfti-2557	9	1	data	datum	NOUN
ajfti-2557	9	2	analysis	analysis	NOUN
ajfti-2557	9	3	generally	generally	ADV
ajfti-2557	9	4	has	have	AUX
ajfti-2557	9	5	concluded	conclude	VERB
ajfti-2557	9	6	by	by	ADP
ajfti-2557	9	7	rejecting	reject	VERB
ajfti-2557	9	8	both	both	DET
ajfti-2557	9	9	null	null	ADJ
ajfti-2557	9	10	hypotheses	hypothesis	NOUN
ajfti-2557	9	11	,	,	PUNCT
ajfti-2557	9	12	and	and	CCONJ
ajfti-2557	9	13	the	the	DET
ajfti-2557	9	14	results	result	NOUN
ajfti-2557	9	15	made	make	VERB
ajfti-2557	9	16	the	the	DET
ajfti-2557	9	17	study	study	NOUN
ajfti-2557	9	18	conclude	conclude	VERB
ajfti-2557	9	19	that	that	SCONJ
ajfti-2557	9	20	there	there	PRON
ajfti-2557	9	21	is	be	VERB
ajfti-2557	9	22	the	the	DET
ajfti-2557	9	23	significant	significant	ADJ
ajfti-2557	9	24	role	role	NOUN
ajfti-2557	9	25	of	of	ADP
ajfti-2557	9	26	fintech	fintech	NOUN
ajfti-2557	9	27	in	in	ADP
ajfti-2557	9	28	economic	economic	ADJ
ajfti-2557	9	29	growth	growth	NOUN
ajfti-2557	9	30	and	and	CCONJ
ajfti-2557	9	31	development	development	NOUN
ajfti-2557	9	32	of	of	ADP
ajfti-2557	9	33	rwanda	rwanda	PROPN
ajfti-2557	9	34	.	.	PUNCT
ajfti-2557	10	1	however	however	ADV
ajfti-2557	10	2	,	,	PUNCT
ajfti-2557	10	3	going	go	VERB
ajfti-2557	10	4	from	from	ADP
ajfti-2557	10	5	indicator	indicator	NOUN
ajfti-2557	10	6	to	to	ADP
ajfti-2557	10	7	indicator	indicator	NOUN
ajfti-2557	10	8	,	,	PUNCT
ajfti-2557	10	9	there	there	PRON
ajfti-2557	10	10	is	be	VERB
ajfti-2557	10	11	insufficient	insufficient	ADJ
ajfti-2557	10	12	evidence	evidence	NOUN
ajfti-2557	10	13	to	to	PART
ajfti-2557	10	14	confirm	confirm	VERB
ajfti-2557	10	15	the	the	DET
ajfti-2557	10	16	correlation	correlation	NOUN
ajfti-2557	10	17	between	between	ADP
ajfti-2557	10	18	the	the	DET
ajfti-2557	10	19	growth	growth	NOUN
ajfti-2557	10	20	of	of	ADP
ajfti-2557	10	21	several	several	ADJ
ajfti-2557	10	22	fintech	fintech	NOUN
ajfti-2557	10	23	start	start	NOUN
ajfti-2557	10	24	-	-	PUNCT
ajfti-2557	10	25	ups	up	NOUN
ajfti-2557	10	26	in	in	ADP
ajfti-2557	10	27	rwanda	rwanda	PROPN
ajfti-2557	10	28	and	and	CCONJ
ajfti-2557	10	29	the	the	DET
ajfti-2557	10	30	economic	economic	ADJ
ajfti-2557	10	31	growth	growth	NOUN
ajfti-2557	10	32	and	and	CCONJ
ajfti-2557	10	33	development	development	NOUN
ajfti-2557	10	34	of	of	ADP
ajfti-2557	10	35	rwanda	rwanda	PROPN
ajfti-2557	10	36	as	as	ADP
ajfti-2557	10	37	the	the	DET
ajfti-2557	10	38	correlation	correlation	NOUN
ajfti-2557	10	39	between	between	ADP
ajfti-2557	10	40	these	these	DET
ajfti-2557	10	41	variables	variable	NOUN
ajfti-2557	10	42	remains	remain	VERB
ajfti-2557	10	43	negative	negative	ADJ
ajfti-2557	10	44	.	.	PUNCT
ajfti-2557	11	1	in	in	ADP
ajfti-2557	11	2	another	another	DET
ajfti-2557	11	3	case	case	NOUN
ajfti-2557	11	4	for	for	ADP
ajfti-2557	11	5	all	all	DET
ajfti-2557	11	6	three	three	NUM
ajfti-2557	11	7	variables	variable	NOUN
ajfti-2557	11	8	,	,	PUNCT
ajfti-2557	11	9	the	the	DET
ajfti-2557	11	10	coefficient	coefficient	NOUN
ajfti-2557	11	11	table	table	NOUN
ajfti-2557	11	12	has	have	AUX
ajfti-2557	11	13	provided	provide	VERB
ajfti-2557	11	14	no	no	DET
ajfti-2557	11	15	statistically	statistically	ADV
ajfti-2557	11	16	significant	significant	ADJ
ajfti-2557	11	17	relationship	relationship	NOUN
ajfti-2557	11	18	as	as	SCONJ
ajfti-2557	11	19	all	all	DET
ajfti-2557	11	20	p	p	NOUN
ajfti-2557	11	21	-	-	PUNCT
ajfti-2557	11	22	values	value	NOUN
ajfti-2557	11	23	are	be	AUX
ajfti-2557	11	24	less	less	ADJ
ajfti-2557	11	25	than	than	ADP
ajfti-2557	11	26	a	a	DET
ajfti-2557	11	27	5	5	NUM
ajfti-2557	11	28	%	%	NOUN
ajfti-2557	11	29	level	level	NOUN
ajfti-2557	11	30	of	of	ADP
ajfti-2557	11	31	significance	significance	NOUN
ajfti-2557	11	32	.	.	PUNCT
ajfti-2557	12	1	this	this	PRON
ajfti-2557	12	2	means	mean	VERB
ajfti-2557	12	3	that	that	SCONJ
ajfti-2557	12	4	,	,	PUNCT
ajfti-2557	12	5	for	for	ADP
ajfti-2557	12	6	assessing	assess	VERB
ajfti-2557	12	7	the	the	DET
ajfti-2557	12	8	determinants	determinant	NOUN
ajfti-2557	12	9	of	of	ADP
ajfti-2557	12	10	economic	economic	ADJ
ajfti-2557	12	11	growth	growth	NOUN
ajfti-2557	12	12	and	and	CCONJ
ajfti-2557	12	13	economic	economic	ADJ
ajfti-2557	12	14	development	development	NOUN
ajfti-2557	12	15	,	,	PUNCT
ajfti-2557	12	16	there	there	PRON
ajfti-2557	12	17	is	be	VERB
ajfti-2557	12	18	a	a	DET
ajfti-2557	12	19	need	need	NOUN
ajfti-2557	12	20	to	to	PART
ajfti-2557	12	21	select	select	VERB
ajfti-2557	12	22	more	more	ADJ
ajfti-2557	12	23	indicators	indicator	NOUN
ajfti-2557	12	24	or	or	CCONJ
ajfti-2557	12	25	variables	variable	NOUN
ajfti-2557	12	26	rather	rather	ADV
ajfti-2557	12	27	than	than	ADP
ajfti-2557	12	28	choosing	choose	VERB
ajfti-2557	12	29	three	three	NUM
ajfti-2557	12	30	indicators	indicator	NOUN
ajfti-2557	12	31	only	only	ADV
ajfti-2557	12	32	as	as	SCONJ
ajfti-2557	12	33	it	it	PRON
ajfti-2557	12	34	is	be	AUX
ajfti-2557	12	35	in	in	ADP
ajfti-2557	12	36	this	this	DET
ajfti-2557	12	37	study	study	NOUN
ajfti-2557	12	38	.	.	PUNCT
ajfti-2557	13	1	keywords	keyword	NOUN
ajfti-2557	13	2	assessing	assess	VERB
ajfti-2557	13	3	,	,	PUNCT
ajfti-2557	13	4	role	role	NOUN
ajfti-2557	13	5	,	,	PUNCT
ajfti-2557	13	6	fintech	fintech	NOUN
ajfti-2557	13	7	,	,	PUNCT
ajfti-2557	13	8	economic	economic	ADJ
ajfti-2557	13	9	growth	growth	NOUN
ajfti-2557	13	10	,	,	PUNCT
ajfti-2557	13	11	economic	economic	ADJ
ajfti-2557	13	12	development	development	NOUN
ajfti-2557	13	13	introduction	introduction	NOUN
ajfti-2557	13	14	fintech	fintech	NOUN
ajfti-2557	13	15	,	,	PUNCT
ajfti-2557	13	16	something	something	PRON
ajfti-2557	13	17	else	else	ADV
ajfti-2557	13	18	called	call	VERB
ajfti-2557	13	19	web	web	NOUN
ajfti-2557	13	20	back	back	ADV
ajfti-2557	13	21	or	or	CCONJ
ajfti-2557	13	22	computerized	computerized	ADJ
ajfti-2557	13	23	monetary	monetary	ADJ
ajfti-2557	13	24	incorporation	incorporation	NOUN
ajfti-2557	13	25	,	,	PUNCT
ajfti-2557	13	26	essentially	essentially	ADV
ajfti-2557	13	27	alludes	allude	VERB
ajfti-2557	13	28	to	to	ADP
ajfti-2557	13	29	an	an	DET
ajfti-2557	13	30	amalgamation	amalgamation	NOUN
ajfti-2557	13	31	of	of	ADP
ajfti-2557	13	32	back	back	NOUN
ajfti-2557	13	33	and	and	CCONJ
ajfti-2557	13	34	data	datum	NOUN
ajfti-2557	13	35	innovation	innovation	NOUN
ajfti-2557	13	36	.	.	PUNCT
ajfti-2557	14	1	it	it	PRON
ajfti-2557	14	2	constitutes	constitute	VERB
ajfti-2557	14	3	installment	installment	NOUN
ajfti-2557	14	4	and	and	CCONJ
ajfti-2557	14	5	settlement	settlement	NOUN
ajfti-2557	14	6	,	,	PUNCT
ajfti-2557	14	7	hazard	hazard	NOUN
ajfti-2557	14	8	administration	administration	NOUN
ajfti-2557	14	9	,	,	PUNCT
ajfti-2557	14	10	organizing	organize	VERB
ajfti-2557	14	11	channels	channel	NOUN
ajfti-2557	14	12	,	,	PUNCT
ajfti-2557	14	13	and	and	CCONJ
ajfti-2557	14	14	asset	asset	NOUN
ajfti-2557	14	15	assignment	assignment	NOUN
ajfti-2557	14	16	capacities	capacity	NOUN
ajfti-2557	14	17	.	.	PUNCT
ajfti-2557	15	1	fintech	fintech	NOUN
ajfti-2557	15	2	has	have	AUX
ajfti-2557	15	3	extended	extend	VERB
ajfti-2557	15	4	significantly	significantly	ADV
ajfti-2557	15	5	within	within	ADP
ajfti-2557	15	6	the	the	DET
ajfti-2557	15	7	monetary	monetary	ADJ
ajfti-2557	15	8	industry	industry	NOUN
ajfti-2557	15	9	much	much	ADV
ajfti-2557	15	10	obliged	oblige	VERB
ajfti-2557	15	11	to	to	ADP
ajfti-2557	15	12	the	the	DET
ajfti-2557	15	13	quick	quick	ADJ
ajfti-2557	15	14	extension	extension	NOUN
ajfti-2557	15	15	of	of	ADP
ajfti-2557	15	16	the	the	DET
ajfti-2557	15	17	web	web	NOUN
ajfti-2557	15	18	,	,	PUNCT
ajfti-2557	15	19	data	datum	NOUN
ajfti-2557	15	20	innovation	innovation	NOUN
ajfti-2557	15	21	,	,	PUNCT
ajfti-2557	15	22	versatile	versatile	ADJ
ajfti-2557	15	23	phones	phone	NOUN
ajfti-2557	15	24	,	,	PUNCT
ajfti-2557	15	25	and	and	CCONJ
ajfti-2557	15	26	advanced	advanced	ADJ
ajfti-2557	15	27	advances	advance	NOUN
ajfti-2557	15	28	.	.	PUNCT
ajfti-2557	16	1	the	the	DET
ajfti-2557	16	2	budgetary	budgetary	ADJ
ajfti-2557	16	3	administrations	administration	NOUN
ajfti-2557	16	4	industry	industry	NOUN
ajfti-2557	16	5	around	around	ADP
ajfti-2557	16	6	the	the	DET
ajfti-2557	16	7	world	world	NOUN
ajfti-2557	16	8	has	have	AUX
ajfti-2557	16	9	been	be	AUX
ajfti-2557	16	10	changed	change	VERB
ajfti-2557	16	11	by	by	ADP
ajfti-2557	16	12	technology	technology	NOUN
ajfti-2557	16	13	-	-	PUNCT
ajfti-2557	16	14	enabled	enable	VERB
ajfti-2557	16	15	monetary	monetary	ADJ
ajfti-2557	16	16	services	service	NOUN
ajfti-2557	16	17	known	know	VERB
ajfti-2557	16	18	as	as	ADP
ajfti-2557	16	19	fintech	fintech	NOUN
ajfti-2557	16	20	.	.	PUNCT
ajfti-2557	17	1	this	this	DET
ajfti-2557	17	2	troublesome	troublesome	ADJ
ajfti-2557	17	3	innovation	innovation	NOUN
ajfti-2557	17	4	is	be	AUX
ajfti-2557	17	5	reshaping	reshape	VERB
ajfti-2557	17	6	money	money	NOUN
ajfti-2557	17	7	-	-	PUNCT
ajfti-2557	17	8	related	relate	VERB
ajfti-2557	17	9	items	item	NOUN
ajfti-2557	17	10	,	,	PUNCT
ajfti-2557	17	11	trade	trade	NOUN
ajfti-2557	17	12	models	model	NOUN
ajfti-2557	17	13	,	,	PUNCT
ajfti-2557	17	14	markets	market	NOUN
ajfti-2557	17	15	,	,	PUNCT
ajfti-2557	17	16	and	and	CCONJ
ajfti-2557	17	17	indeed	indeed	ADV
ajfti-2557	17	18	the	the	DET
ajfti-2557	17	19	concept	concept	NOUN
ajfti-2557	17	20	of	of	ADP
ajfti-2557	17	21	cash	cash	NOUN
ajfti-2557	17	22	itself	itself	PRON
ajfti-2557	17	23	,	,	PUNCT
ajfti-2557	17	24	offering	offer	VERB
ajfti-2557	17	25	better	well	ADJ
ajfti-2557	17	26	approaches	approach	NOUN
ajfti-2557	17	27	to	to	ADP
ajfti-2557	17	28	gathering	gather	VERB
ajfti-2557	17	29	and	and	CCONJ
ajfti-2557	17	30	utilizing	utilize	VERB
ajfti-2557	17	31	information	information	NOUN
ajfti-2557	17	32	,	,	PUNCT
ajfti-2557	17	33	making	make	VERB
ajfti-2557	17	34	modern	modern	ADJ
ajfti-2557	17	35	venture	venture	NOUN
ajfti-2557	17	36	resources	resource	NOUN
ajfti-2557	17	37	,	,	PUNCT
ajfti-2557	17	38	and	and	CCONJ
ajfti-2557	17	39	expanding	expand	VERB
ajfti-2557	17	40	inventive	inventive	ADJ
ajfti-2557	17	41	administrations	administration	NOUN
ajfti-2557	17	42	.	.	PUNCT
ajfti-2557	18	1	the	the	DET
ajfti-2557	18	2	progressing	progress	VERB
ajfti-2557	18	3	digitization	digitization	NOUN
ajfti-2557	18	4	of	of	ADP
ajfti-2557	18	5	money	money	NOUN
ajfti-2557	18	6	related	relate	VERB
ajfti-2557	18	7	administrations	administration	NOUN
ajfti-2557	18	8	and	and	CCONJ
ajfti-2557	18	9	cash	cash	NOUN
ajfti-2557	18	10	makes	make	VERB
ajfti-2557	18	11	openings	opening	NOUN
ajfti-2557	18	12	to	to	PART
ajfti-2557	18	13	construct	construct	VERB
ajfti-2557	18	14	more	more	ADJ
ajfti-2557	18	15	inclusive	inclusive	ADJ
ajfti-2557	18	16	and	and	CCONJ
ajfti-2557	18	17	proficient	proficient	ADJ
ajfti-2557	18	18	monetary	monetary	ADJ
ajfti-2557	18	19	administrations	administration	NOUN
ajfti-2557	18	20	and	and	CCONJ
ajfti-2557	18	21	advance	advance	VERB
ajfti-2557	18	22	financial	financial	ADJ
ajfti-2557	18	23	improvement	improvement	NOUN
ajfti-2557	18	24	.	.	PUNCT
ajfti-2557	19	1	to	to	PART
ajfti-2557	19	2	form	form	VERB
ajfti-2557	19	3	it	it	PRON
ajfti-2557	19	4	happen	happen	VERB
ajfti-2557	19	5	a	a	DET
ajfti-2557	19	6	recent	recent	ADJ
ajfti-2557	19	7	world	world	NOUN
ajfti-2557	19	8	bank	bank	NOUN
ajfti-2557	19	9	report	report	NOUN
ajfti-2557	19	10	,	,	PUNCT
ajfti-2557	19	11	fintech	fintech	NOUN
ajfti-2557	19	12	and	and	CCONJ
ajfti-2557	19	13	long	long	ADJ
ajfti-2557	19	14	haul	haul	NOUN
ajfti-2557	19	15	of	of	ADP
ajfti-2557	19	16	back	back	NOUN
ajfti-2557	19	17	,	,	PUNCT
ajfti-2557	19	18	investigates	investigate	VERB
ajfti-2557	19	19	the	the	DET
ajfti-2557	19	20	emotional	emotional	ADJ
ajfti-2557	19	21	changes	change	NOUN
ajfti-2557	19	22	within	within	ADP
ajfti-2557	19	23	the	the	DET
ajfti-2557	19	24	budgetary	budgetary	ADJ
ajfti-2557	19	25	administrations	administration	NOUN
ajfti-2557	19	26	industry	industry	NOUN
ajfti-2557	19	27	and	and	CCONJ
ajfti-2557	19	28	underscores	underscore	VERB
ajfti-2557	19	29	the	the	DET
ajfti-2557	19	30	require	require	NOUN
ajfti-2557	19	31	for	for	SCONJ
ajfti-2557	19	32	policymakers	policymaker	NOUN
ajfti-2557	19	33	and	and	CCONJ
ajfti-2557	19	34	financial	financial	ADJ
ajfti-2557	19	35	regulators	regulator	NOUN
ajfti-2557	19	36	to	to	PART
ajfti-2557	19	37	address	address	VERB
ajfti-2557	19	38	unused	unused	ADJ
ajfti-2557	19	39	challenges	challenge	NOUN
ajfti-2557	19	40	and	and	CCONJ
ajfti-2557	19	41	back	back	ADJ
ajfti-2557	19	42	dependable	dependable	ADJ
ajfti-2557	19	43	advancement	advancement	NOUN
ajfti-2557	19	44	(	(	PUNCT
ajfti-2557	19	45	kireyeva	kireyeva	PROPN
ajfti-2557	19	46	,	,	PUNCT
ajfti-2557	19	47	2021	2021	NUM
ajfti-2557	19	48	)	)	PUNCT
ajfti-2557	19	49	.	.	PUNCT
ajfti-2557	20	1	in	in	ADP
ajfti-2557	20	2	creating	create	VERB
ajfti-2557	20	3	economies	economy	NOUN
ajfti-2557	20	4	,	,	PUNCT
ajfti-2557	20	5	there	there	PRON
ajfti-2557	20	6	observed	observe	VERB
ajfti-2557	20	7	colossal	colossal	ADJ
ajfti-2557	20	8	advances	advance	NOUN
ajfti-2557	20	9	in	in	ADP
ajfti-2557	20	10	money	money	NOUN
ajfti-2557	20	11	-	-	PUNCT
ajfti-2557	20	12	related	relate	VERB
ajfti-2557	20	13	administrations	administration	NOUN
ajfti-2557	20	14	.	.	PUNCT
ajfti-2557	21	1	there	there	PRON
ajfti-2557	21	2	has	have	AUX
ajfti-2557	21	3	been	be	AUX
ajfti-2557	21	4	a	a	DET
ajfti-2557	21	5	marvelous	marvelous	ADJ
ajfti-2557	21	6	increment	increment	NOUN
ajfti-2557	21	7	within	within	ADP
ajfti-2557	21	8	the	the	DET
ajfti-2557	21	9	share	share	NOUN
ajfti-2557	21	10	of	of	ADP
ajfti-2557	21	11	grownups	grownup	NOUN
ajfti-2557	21	12	utilizing	utilize	VERB
ajfti-2557	21	13	monetary	monetary	ADJ
ajfti-2557	21	14	accounts	account	NOUN
ajfti-2557	21	15	,	,	PUNCT
ajfti-2557	21	16	which	which	PRON
ajfti-2557	21	17	rose	rise	VERB
ajfti-2557	21	18	by	by	ADP
ajfti-2557	21	19	30	30	NUM
ajfti-2557	21	20	rate	rate	NOUN
ajfti-2557	21	21	focuses	focus	VERB
ajfti-2557	21	22	between	between	ADP
ajfti-2557	21	23	2011	2011	NUM
ajfti-2557	21	24	and	and	CCONJ
ajfti-2557	21	25	2021	2021	NUM
ajfti-2557	21	26	to	to	ADP
ajfti-2557	21	27	71	71	NUM
ajfti-2557	21	28	percent	percent	NOUN
ajfti-2557	21	29	,	,	PUNCT
ajfti-2557	21	30	is	be	AUX
ajfti-2557	21	31	somewhat	somewhat	ADV
ajfti-2557	21	32	inferable	inferable	ADJ
ajfti-2557	21	33	to	to	ADP
ajfti-2557	21	34	fintech	fintech	NOUN
ajfti-2557	21	35	improvements	improvement	NOUN
ajfti-2557	21	36	such	such	ADJ
ajfti-2557	21	37	as	as	ADP
ajfti-2557	21	38	versatile	versatile	ADJ
ajfti-2557	21	39	cash	cash	NOUN
ajfti-2557	21	40	.	.	PUNCT
ajfti-2557	22	1	the	the	DET
ajfti-2557	22	2	share	share	NOUN
ajfti-2557	22	3	of	of	ADP
ajfti-2557	22	4	grown	grown	NOUN
ajfti-2557	22	5	-	-	PUNCT
ajfti-2557	22	6	ups	up	NOUN
ajfti-2557	22	7	making	make	VERB
ajfti-2557	22	8	or	or	CCONJ
ajfti-2557	22	9	accepting	accept	VERB
ajfti-2557	22	10	computerized	computerized	ADJ
ajfti-2557	22	11	installments	installment	NOUN
ajfti-2557	22	12	developed	develop	VERB
ajfti-2557	22	13	to	to	ADP
ajfti-2557	22	14	57	57	NUM
ajfti-2557	22	15	percent	percent	NOUN
ajfti-2557	22	16	in	in	ADP
ajfti-2557	22	17	2021	2021	NUM
ajfti-2557	22	18	from	from	ADP
ajfti-2557	22	19	35	35	NUM
ajfti-2557	22	20	percent	percent	NOUN
ajfti-2557	22	21	in	in	ADP
ajfti-2557	22	22	2014	2014	NUM
ajfti-2557	22	23	concurring	concur	VERB
ajfti-2557	22	24	to	to	ADP
ajfti-2557	22	25	the	the	DET
ajfti-2557	22	26	most	most	ADV
ajfti-2557	22	27	recent	recent	ADJ
ajfti-2557	22	28	circular	circular	NOUN
ajfti-2557	22	29	of	of	ADP
ajfti-2557	22	30	world	world	PROPN
ajfti-2557	22	31	bank	bank	PROPN
ajfti-2557	22	32	findex	findex	PROPN
ajfti-2557	22	33	information	information	PROPN
ajfti-2557	22	34	studies	study	NOUN
ajfti-2557	22	35	.	.	PUNCT
ajfti-2557	23	1	usually	usually	ADV
ajfti-2557	23	2	extraordinary	extraordinary	ADJ
ajfti-2557	23	3	news	news	NOUN
ajfti-2557	23	4	for	for	ADP
ajfti-2557	23	5	financial	financial	ADJ
ajfti-2557	23	6	development	development	NOUN
ajfti-2557	23	7	and	and	CCONJ
ajfti-2557	23	8	diminishing	diminish	VERB
ajfti-2557	23	9	imbalance	imbalance	NOUN
ajfti-2557	23	10	,	,	PUNCT
ajfti-2557	23	11	destitution	destitution	NOUN
ajfti-2557	23	12	,	,	PUNCT
ajfti-2557	23	13	and	and	CCONJ
ajfti-2557	23	14	familiarity	familiarity	NOUN
ajfti-2557	23	15	.	.	PUNCT
ajfti-2557	24	1	for	for	ADP
ajfti-2557	24	2	destitute	destitute	ADJ
ajfti-2557	24	3	individuals	individual	NOUN
ajfti-2557	24	4	and	and	CCONJ
ajfti-2557	24	5	little	little	ADJ
ajfti-2557	24	6	businesses	business	NOUN
ajfti-2557	24	7	without	without	ADP
ajfti-2557	24	8	get	get	VERB
ajfti-2557	24	9	to	to	ADP
ajfti-2557	24	10	monetary	monetary	ADJ
ajfti-2557	24	11	administrations	administration	NOUN
ajfti-2557	24	12	as	as	ADV
ajfti-2557	24	13	fundamental	fundamental	ADJ
ajfti-2557	24	14	as	as	ADP
ajfti-2557	24	15	a	a	DET
ajfti-2557	24	16	bank	bank	NOUN
ajfti-2557	24	17	account	account	NOUN
ajfti-2557	24	18	,	,	PUNCT
ajfti-2557	24	19	fintech	fintech	NOUN
ajfti-2557	24	20	is	be	AUX
ajfti-2557	24	21	opening	open	VERB
ajfti-2557	24	22	an	an	DET
ajfti-2557	24	23	unused	unused	ADJ
ajfti-2557	24	24	world	world	NOUN
ajfti-2557	24	25	of	of	ADP
ajfti-2557	24	26	opportunity	opportunity	NOUN
ajfti-2557	24	27	.	.	PUNCT
ajfti-2557	25	1	fintech	fintech	NOUN
ajfti-2557	25	2	offers	offer	VERB
ajfti-2557	25	3	the	the	DET
ajfti-2557	25	4	capacity	capacity	NOUN
ajfti-2557	25	5	to	to	PART
ajfti-2557	25	6	send	send	VERB
ajfti-2557	25	7	and	and	CCONJ
ajfti-2557	25	8	receive	receive	VERB
ajfti-2557	25	9	installments	installment	NOUN
ajfti-2557	25	10	safely	safely	ADV
ajfti-2557	25	11	and	and	CCONJ
ajfti-2557	25	12	pick	pick	VERB
ajfti-2557	25	13	up	up	ADP
ajfti-2557	25	14	get	get	VERB
ajfti-2557	25	15	to	to	ADP
ajfti-2557	25	16	reserve	reserve	NOUN
ajfti-2557	25	17	funds	fund	NOUN
ajfti-2557	25	18	,	,	PUNCT
ajfti-2557	25	19	credit	credit	NOUN
ajfti-2557	25	20	,	,	PUNCT
ajfti-2557	25	21	and	and	CCONJ
ajfti-2557	25	22	protections	protection	VERB
ajfti-2557	25	23	items	item	NOUN
ajfti-2557	25	24	that	that	PRON
ajfti-2557	25	25	can	can	AUX
ajfti-2557	25	26	offer	offer	VERB
ajfti-2557	25	27	assistance	assistance	NOUN
ajfti-2557	25	28	grow	grow	VERB
ajfti-2557	25	29	businesses	business	NOUN
ajfti-2557	25	30	,	,	PUNCT
ajfti-2557	25	31	relieve	relieve	VERB
ajfti-2557	25	32	dangers	danger	NOUN
ajfti-2557	25	33	,	,	PUNCT
ajfti-2557	25	34	and	and	CCONJ
ajfti-2557	25	35	arrange	arrange	VERB
ajfti-2557	25	36	their	their	PRON
ajfti-2557	25	37	prospects	prospect	NOUN
ajfti-2557	25	38	(	(	PUNCT
ajfti-2557	25	39	nuguer	nuguer	NOUN
ajfti-2557	25	40	,	,	PUNCT
ajfti-2557	25	41	2022	2022	NUM
ajfti-2557	25	42	)	)	PUNCT
ajfti-2557	25	43	.	.	PUNCT
ajfti-2557	26	1	1	1	NUM
ajfti-2557	26	2	faculty	faculty	NOUN
ajfti-2557	26	3	of	of	ADP
ajfti-2557	26	4	business	business	NOUN
ajfti-2557	26	5	and	and	CCONJ
ajfti-2557	26	6	media	medium	NOUN
ajfti-2557	26	7	,	,	PUNCT
ajfti-2557	26	8	philosophy	philosophy	NOUN
ajfti-2557	26	9	in	in	ADP
ajfti-2557	26	10	finance	finance	NOUN
ajfti-2557	26	11	and	and	CCONJ
ajfti-2557	26	12	economics	economic	NOUN
ajfti-2557	26	13	,	,	PUNCT
ajfti-2557	26	14	selinus	selinus	PROPN
ajfti-2557	26	15	university	university	PROPN
ajfti-2557	26	16	,	,	PUNCT
ajfti-2557	26	17	rwanda	rwanda	PROPN
ajfti-2557	26	18	*	*	PUNCT
ajfti-2557	26	19	corresponding	correspond	VERB
ajfti-2557	26	20	author	author	NOUN
ajfti-2557	26	21	’s	’s	PART
ajfti-2557	26	22	e	e	NOUN
ajfti-2557	26	23	-	-	NOUN
ajfti-2557	26	24	mail	mail	NOUN
ajfti-2557	26	25	:	:	PUNCT
ajfti-2557	26	26	salim-013@live.com	salim-013@live.com	X
ajfti-2557	26	27	pa	pa	PROPN
ajfti-2557	26	28	ge	ge	PROPN
ajfti-2557	26	29	26	26	NUM
ajfti-2557	26	30	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	PROPN
ajfti-2557	26	31	am	be	AUX
ajfti-2557	26	32	.	.	PUNCT
ajfti-2557	27	1	j.	j.	PROPN
ajfti-2557	27	2	financ	financ	PROPN
ajfti-2557	27	3	.	.	PUNCT
ajfti-2557	28	1	technol	technol	PROPN
ajfti-2557	28	2	.	.	PUNCT
ajfti-2557	28	3	innov	innov	PROPN
ajfti-2557	28	4	.	.	PUNCT
ajfti-2557	29	1	2(1	2(1	NUM
ajfti-2557	29	2	)	)	PUNCT
ajfti-2557	29	3	25	25	NUM
ajfti-2557	29	4	-	-	SYM
ajfti-2557	29	5	32	32	NUM
ajfti-2557	29	6	,	,	PUNCT
ajfti-2557	29	7	2024	2024	NUM
ajfti-2557	29	8	this	this	DET
ajfti-2557	29	9	transformation	transformation	NOUN
ajfti-2557	29	10	has	have	AUX
ajfti-2557	29	11	particularly	particularly	ADV
ajfti-2557	29	12	benefitted	benefit	VERB
ajfti-2557	29	13	ladies	lady	NOUN
ajfti-2557	29	14	.	.	PUNCT
ajfti-2557	30	1	owning	own	VERB
ajfti-2557	30	2	advanced	advanced	ADJ
ajfti-2557	30	3	accounts	account	NOUN
ajfti-2557	30	4	boosts	boost	VERB
ajfti-2557	30	5	women	woman	NOUN
ajfti-2557	30	6	independence	independence	NOUN
ajfti-2557	30	7	and	and	CCONJ
ajfti-2557	30	8	standing	stand	VERB
ajfti-2557	30	9	inside	inside	ADP
ajfti-2557	30	10	the	the	DET
ajfti-2557	30	11	family	family	NOUN
ajfti-2557	30	12	,	,	PUNCT
ajfti-2557	30	13	as	as	SCONJ
ajfti-2557	30	14	they	they	PRON
ajfti-2557	30	15	can	can	AUX
ajfti-2557	30	16	straightforwardly	straightforwardly	ADV
ajfti-2557	30	17	get	get	VERB
ajfti-2557	30	18	to	to	ADP
ajfti-2557	30	19	government	government	NOUN
ajfti-2557	30	20	installments	installment	NOUN
ajfti-2557	30	21	and	and	CCONJ
ajfti-2557	30	22	compensation	compensation	NOUN
ajfti-2557	30	23	,	,	PUNCT
ajfti-2557	30	24	instead	instead	ADV
ajfti-2557	30	25	of	of	AUX
ajfti-2557	30	26	depend	depend	VERB
ajfti-2557	30	27	on	on	ADP
ajfti-2557	30	28	male	male	ADJ
ajfti-2557	30	29	relatives	relative	NOUN
ajfti-2557	30	30	for	for	ADP
ajfti-2557	30	31	control	control	NOUN
ajfti-2557	30	32	of	of	ADP
ajfti-2557	30	33	family	family	NOUN
ajfti-2557	30	34	funds	fund	NOUN
ajfti-2557	30	35	.	.	PUNCT
ajfti-2557	31	1	computerized	computerized	ADJ
ajfti-2557	31	2	accounts	account	NOUN
ajfti-2557	31	3	have	have	AUX
ajfti-2557	31	4	too	too	ADV
ajfti-2557	31	5	given	give	VERB
ajfti-2557	31	6	ladies	lady	NOUN
ajfti-2557	31	7	more	more	ADV
ajfti-2557	31	8	noteworthy	noteworthy	ADJ
ajfti-2557	31	9	get	get	VERB
ajfti-2557	31	10	to	to	ADP
ajfti-2557	31	11	credit	credit	NOUN
ajfti-2557	31	12	,	,	PUNCT
ajfti-2557	31	13	which	which	PRON
ajfti-2557	31	14	has	have	AUX
ajfti-2557	31	15	been	be	AUX
ajfti-2557	31	16	appeared	appear	VERB
ajfti-2557	31	17	to	to	PART
ajfti-2557	31	18	assist	assist	VERB
ajfti-2557	31	19	destitute	destitute	ADJ
ajfti-2557	31	20	individual	individual	NOUN
ajfti-2557	31	21	’s	’s	PART
ajfti-2557	31	22	smooth	smooth	ADJ
ajfti-2557	31	23	vacillations	vacillation	NOUN
ajfti-2557	31	24	in	in	ADP
ajfti-2557	31	25	salary	salary	NOUN
ajfti-2557	31	26	.	.	PUNCT
ajfti-2557	32	1	take	take	VERB
ajfti-2557	32	2	the	the	DET
ajfti-2557	32	3	illustration	illustration	NOUN
ajfti-2557	32	4	of	of	ADP
ajfti-2557	32	5	ladies	lady	NOUN
ajfti-2557	32	6	who	who	PRON
ajfti-2557	32	7	once	once	ADV
ajfti-2557	32	8	had	have	VERB
ajfti-2557	32	9	to	to	PART
ajfti-2557	32	10	depend	depend	VERB
ajfti-2557	32	11	on	on	ADP
ajfti-2557	32	12	day	day	NOUN
ajfti-2557	32	13	advances	advance	NOUN
ajfti-2557	32	14	from	from	ADP
ajfti-2557	32	15	advance	advance	NOUN
ajfti-2557	32	16	sharks	shark	NOUN
ajfti-2557	32	17	when	when	SCONJ
ajfti-2557	32	18	they	they	PRON
ajfti-2557	32	19	needed	need	VERB
ajfti-2557	32	20	credit	credit	NOUN
ajfti-2557	32	21	.	.	PUNCT
ajfti-2557	33	1	these	these	DET
ajfti-2557	33	2	advances	advance	NOUN
ajfti-2557	33	3	had	have	AUX
ajfti-2557	33	4	intrigued	intrigue	VERB
ajfti-2557	33	5	rates	rate	NOUN
ajfti-2557	33	6	of	of	ADP
ajfti-2557	33	7	between	between	ADP
ajfti-2557	33	8	10	10	NUM
ajfti-2557	33	9	and	and	CCONJ
ajfti-2557	33	10	20	20	NUM
ajfti-2557	33	11	percent	percent	NOUN
ajfti-2557	33	12	per	per	ADP
ajfti-2557	33	13	day	day	NOUN
ajfti-2557	33	14	at	at	ADP
ajfti-2557	33	15	some	some	DET
ajfti-2557	33	16	point	point	NOUN
ajfti-2557	33	17	indeed	indeed	ADV
ajfti-2557	33	18	more	more	ADV
ajfti-2557	33	19	.	.	PUNCT
ajfti-2557	34	1	women	woman	NOUN
ajfti-2557	34	2	can	can	AUX
ajfti-2557	34	3	presently	presently	ADV
ajfti-2557	34	4	advantage	advantage	VERB
ajfti-2557	34	5	from	from	ADP
ajfti-2557	34	6	fintech	fintech	NOUN
ajfti-2557	34	7	administrations	administration	NOUN
ajfti-2557	34	8	which	which	PRON
ajfti-2557	34	9	give	give	VERB
ajfti-2557	34	10	microloans	microloan	NOUN
ajfti-2557	34	11	at	at	ADP
ajfti-2557	34	12	more	more	ADV
ajfti-2557	34	13	competitive	competitive	ADJ
ajfti-2557	34	14	rates	rate	NOUN
ajfti-2557	34	15	made	make	VERB
ajfti-2557	34	16	conceivable	conceivable	ADJ
ajfti-2557	34	17	by	by	ADP
ajfti-2557	34	18	utilizing	utilize	VERB
ajfti-2557	34	19	elective	elective	ADJ
ajfti-2557	34	20	information	information	NOUN
ajfti-2557	34	21	and	and	CCONJ
ajfti-2557	34	22	information	information	NOUN
ajfti-2557	34	23	analytics	analytic	NOUN
ajfti-2557	34	24	to	to	PART
ajfti-2557	34	25	survey	survey	VERB
ajfti-2557	34	26	her	her	PRON
ajfti-2557	34	27	credit	credit	NOUN
ajfti-2557	34	28	as	as	ADV
ajfti-2557	34	29	long	long	ADV
ajfti-2557	34	30	as	as	SCONJ
ajfti-2557	34	31	appropriate	appropriate	ADJ
ajfti-2557	34	32	shields	shield	NOUN
ajfti-2557	34	33	are	be	AUX
ajfti-2557	34	34	input	input	ADJ
ajfti-2557	34	35	.	.	PUNCT
ajfti-2557	35	1	the	the	DET
ajfti-2557	35	2	fintech	fintech	NOUN
ajfti-2557	35	3	transformation	transformation	NOUN
ajfti-2557	35	4	is	be	AUX
ajfti-2557	35	5	additionally	additionally	ADV
ajfti-2557	35	6	lessening	lessen	VERB
ajfti-2557	35	7	the	the	DET
ajfti-2557	35	8	costs	cost	NOUN
ajfti-2557	35	9	of	of	ADP
ajfti-2557	35	10	settlement	settlement	NOUN
ajfti-2557	35	11	administrations	administration	NOUN
ajfti-2557	35	12	,	,	PUNCT
ajfti-2557	35	13	a	a	DET
ajfti-2557	35	14	life	life	NOUN
ajfti-2557	35	15	saver	saver	NOUN
ajfti-2557	35	16	for	for	ADP
ajfti-2557	35	17	families	family	NOUN
ajfti-2557	35	18	in	in	ADP
ajfti-2557	35	19	creating	create	VERB
ajfti-2557	35	20	nations	nation	NOUN
ajfti-2557	35	21	who	who	PRON
ajfti-2557	35	22	are	be	AUX
ajfti-2557	35	23	subordinate	subordinate	ADJ
ajfti-2557	35	24	on	on	ADP
ajfti-2557	35	25	budgetary	budgetary	ADJ
ajfti-2557	35	26	offer	offer	NOUN
ajfti-2557	35	27	assistance	assistance	NOUN
ajfti-2557	35	28	from	from	ADP
ajfti-2557	35	29	relatives	relative	NOUN
ajfti-2557	35	30	working	work	VERB
ajfti-2557	35	31	overseas	overseas	ADV
ajfti-2557	35	32	.	.	PUNCT
ajfti-2557	36	1	the	the	DET
ajfti-2557	36	2	world	world	PROPN
ajfti-2557	36	3	bank	bank	PROPN
ajfti-2557	36	4	settlements	settlement	NOUN
ajfti-2557	36	5	cost	cost	VERB
ajfti-2557	36	6	around	around	ADP
ajfti-2557	36	7	the	the	DET
ajfti-2557	36	8	world	world	NOUN
ajfti-2557	36	9	information	information	NOUN
ajfti-2557	36	10	appears	appear	VERB
ajfti-2557	36	11	that	that	SCONJ
ajfti-2557	36	12	the	the	DET
ajfti-2557	36	13	normal	normal	ADJ
ajfti-2557	36	14	cost	cost	NOUN
ajfti-2557	36	15	for	for	ADP
ajfti-2557	36	16	sending	send	VERB
ajfti-2557	36	17	$	$	SYM
ajfti-2557	36	18	200	200	NUM
ajfti-2557	36	19	is	be	AUX
ajfti-2557	36	20	around	around	ADV
ajfti-2557	36	21	6	6	NUM
ajfti-2557	36	22	percent	percent	NOUN
ajfti-2557	36	23	over	over	ADP
ajfti-2557	36	24	all	all	DET
ajfti-2557	36	25	sorts	sort	NOUN
ajfti-2557	36	26	of	of	ADP
ajfti-2557	36	27	suppliers	supplier	NOUN
ajfti-2557	36	28	,	,	PUNCT
ajfti-2557	36	29	while	while	SCONJ
ajfti-2557	36	30	the	the	DET
ajfti-2557	36	31	cost	cost	NOUN
ajfti-2557	36	32	to	to	PART
ajfti-2557	36	33	send	send	VERB
ajfti-2557	36	34	settlements	settlement	NOUN
ajfti-2557	36	35	through	through	ADP
ajfti-2557	36	36	versatile	versatile	ADJ
ajfti-2557	36	37	cash	cash	NOUN
ajfti-2557	36	38	administrations	administration	NOUN
ajfti-2557	36	39	is	be	AUX
ajfti-2557	36	40	beneath	beneath	ADP
ajfti-2557	36	41	4	4	NUM
ajfti-2557	36	42	percent	percent	NOUN
ajfti-2557	36	43	.	.	PUNCT
ajfti-2557	37	1	this	this	PRON
ajfti-2557	37	2	implies	imply	VERB
ajfti-2557	37	3	more	more	ADJ
ajfti-2557	37	4	cash	cash	NOUN
ajfti-2557	37	5	for	for	SCONJ
ajfti-2557	37	6	families	family	NOUN
ajfti-2557	37	7	to	to	PART
ajfti-2557	37	8	spend	spend	VERB
ajfti-2557	37	9	on	on	ADP
ajfti-2557	37	10	fundamental	fundamental	ADJ
ajfti-2557	37	11	needs	need	NOUN
ajfti-2557	37	12	,	,	PUNCT
ajfti-2557	37	13	such	such	ADJ
ajfti-2557	37	14	as	as	ADP
ajfti-2557	37	15	nourishment	nourishment	NOUN
ajfti-2557	37	16	,	,	PUNCT
ajfti-2557	37	17	or	or	CCONJ
ajfti-2557	37	18	wellbeing	wellbee	VERB
ajfti-2557	37	19	care	care	NOUN
ajfti-2557	37	20	and	and	CCONJ
ajfti-2557	37	21	instruction	instruction	NOUN
ajfti-2557	37	22	(	(	PUNCT
ajfti-2557	37	23	tyson	tyson	PROPN
ajfti-2557	37	24	,	,	PUNCT
ajfti-2557	37	25	2021	2021	NUM
ajfti-2557	37	26	)	)	PUNCT
ajfti-2557	37	27	.	.	PUNCT
ajfti-2557	38	1	literature	literature	PROPN
ajfti-2557	38	2	review	review	PROPN
ajfti-2557	38	3	for	for	ADP
ajfti-2557	38	4	rwanda	rwanda	PROPN
ajfti-2557	38	5	’s	’s	PART
ajfti-2557	38	6	digital	digital	ADJ
ajfti-2557	38	7	evolution	evolution	NOUN
ajfti-2557	38	8	to	to	PART
ajfti-2557	38	9	become	become	VERB
ajfti-2557	38	10	transformational	transformational	ADJ
ajfti-2557	38	11	,	,	PUNCT
ajfti-2557	38	12	the	the	DET
ajfti-2557	38	13	private	private	ADJ
ajfti-2557	38	14	sector	sector	NOUN
ajfti-2557	38	15	needs	need	VERB
ajfti-2557	38	16	to	to	PART
ajfti-2557	38	17	play	play	VERB
ajfti-2557	38	18	a	a	DET
ajfti-2557	38	19	far	far	ADV
ajfti-2557	38	20	greater	great	ADJ
ajfti-2557	38	21	role	role	NOUN
ajfti-2557	38	22	in	in	ADP
ajfti-2557	38	23	spearheading	spearhead	VERB
ajfti-2557	38	24	digitization	digitization	NOUN
ajfti-2557	38	25	,	,	PUNCT
ajfti-2557	38	26	through	through	ADP
ajfti-2557	38	27	both	both	DET
ajfti-2557	38	28	increased	increase	VERB
ajfti-2557	38	29	technology	technology	NOUN
ajfti-2557	38	30	adoption	adoption	NOUN
ajfti-2557	38	31	and	and	CCONJ
ajfti-2557	38	32	support	support	NOUN
ajfti-2557	38	33	for	for	ADP
ajfti-2557	38	34	innovation	innovation	NOUN
ajfti-2557	38	35	.	.	PUNCT
ajfti-2557	39	1	so	so	ADV
ajfti-2557	39	2	far	far	ADV
ajfti-2557	39	3	digital	digital	ADJ
ajfti-2557	39	4	adoption	adoption	NOUN
ajfti-2557	39	5	has	have	AUX
ajfti-2557	39	6	been	be	AUX
ajfti-2557	39	7	slow	slow	ADJ
ajfti-2557	39	8	to	to	PART
ajfti-2557	39	9	permeate	permeate	VERB
ajfti-2557	39	10	key	key	ADJ
ajfti-2557	39	11	sectors	sector	NOUN
ajfti-2557	39	12	,	,	PUNCT
ajfti-2557	39	13	and	and	CCONJ
ajfti-2557	39	14	uptake	uptake	ADJ
ajfti-2557	39	15	among	among	ADP
ajfti-2557	39	16	micro	micro	NOUN
ajfti-2557	39	17	,	,	PUNCT
ajfti-2557	39	18	small	small	ADJ
ajfti-2557	39	19	and	and	CCONJ
ajfti-2557	39	20	medium	medium	ADJ
ajfti-2557	39	21	scale	scale	NOUN
ajfti-2557	39	22	enterprises	enterprise	NOUN
ajfti-2557	39	23	(	(	PUNCT
ajfti-2557	39	24	msme	msme	NOUN
ajfti-2557	39	25	’s	’s	PART
ajfti-2557	39	26	)	)	PUNCT
ajfti-2557	39	27	has	have	AUX
ajfti-2557	39	28	been	be	AUX
ajfti-2557	39	29	modest	modest	ADJ
ajfti-2557	39	30	.	.	PUNCT
ajfti-2557	40	1	for	for	ADP
ajfti-2557	40	2	example	example	NOUN
ajfti-2557	40	3	,	,	PUNCT
ajfti-2557	40	4	greater	great	ADJ
ajfti-2557	40	5	merchant	merchant	NOUN
ajfti-2557	40	6	acceptance	acceptance	NOUN
ajfti-2557	40	7	of	of	ADP
ajfti-2557	40	8	dfs	dfs	PROPN
ajfti-2557	40	9	could	could	AUX
ajfti-2557	40	10	help	help	VERB
ajfti-2557	40	11	unlock	unlock	VERB
ajfti-2557	40	12	further	further	ADJ
ajfti-2557	40	13	growth	growth	NOUN
ajfti-2557	40	14	of	of	ADP
ajfti-2557	40	15	fintech	fintech	NOUN
ajfti-2557	40	16	,	,	PUNCT
ajfti-2557	40	17	and	and	CCONJ
ajfti-2557	40	18	much	much	ADV
ajfti-2557	40	19	more	more	ADJ
ajfti-2557	40	20	can	can	AUX
ajfti-2557	40	21	be	be	AUX
ajfti-2557	40	22	done	do	VERB
ajfti-2557	40	23	to	to	PART
ajfti-2557	40	24	extend	extend	VERB
ajfti-2557	40	25	the	the	DET
ajfti-2557	40	26	benefits	benefit	NOUN
ajfti-2557	40	27	of	of	ADP
ajfti-2557	40	28	digital	digital	ADJ
ajfti-2557	40	29	financial	financial	ADJ
ajfti-2557	40	30	services	service	NOUN
ajfti-2557	40	31	(	(	PUNCT
ajfti-2557	40	32	dfs	dfs	PROPN
ajfti-2557	40	33	)	)	PUNCT
ajfti-2557	40	34	to	to	ADP
ajfti-2557	40	35	msmes	msme	NOUN
ajfti-2557	40	36	more	more	ADV
ajfti-2557	40	37	generally	generally	ADV
ajfti-2557	40	38	by	by	ADP
ajfti-2557	40	39	incentivizing	incentivize	VERB
ajfti-2557	40	40	uptake	uptake	NOUN
ajfti-2557	40	41	.	.	PUNCT
ajfti-2557	41	1	where	where	SCONJ
ajfti-2557	41	2	msmes	msme	NOUN
ajfti-2557	41	3	typically	typically	ADV
ajfti-2557	41	4	find	find	VERB
ajfti-2557	41	5	access	access	NOUN
ajfti-2557	41	6	to	to	ADP
ajfti-2557	41	7	credit	credit	NOUN
ajfti-2557	41	8	to	to	PART
ajfti-2557	41	9	be	be	AUX
ajfti-2557	41	10	a	a	DET
ajfti-2557	41	11	significant	significant	ADJ
ajfti-2557	41	12	challenge	challenge	NOUN
ajfti-2557	41	13	,	,	PUNCT
ajfti-2557	41	14	dfs	dfs	PROPN
ajfti-2557	41	15	can	can	AUX
ajfti-2557	41	16	also	also	ADV
ajfti-2557	41	17	offer	offer	VERB
ajfti-2557	41	18	a	a	DET
ajfti-2557	41	19	potential	potential	ADJ
ajfti-2557	41	20	solution	solution	NOUN
ajfti-2557	41	21	.	.	PUNCT
ajfti-2557	42	1	bringing	bring	VERB
ajfti-2557	42	2	more	more	ADJ
ajfti-2557	42	3	msmes	msme	NOUN
ajfti-2557	42	4	online	online	ADV
ajfti-2557	42	5	can	can	AUX
ajfti-2557	42	6	also	also	ADV
ajfti-2557	42	7	increase	increase	VERB
ajfti-2557	42	8	opportunities	opportunity	NOUN
ajfti-2557	42	9	for	for	SCONJ
ajfti-2557	42	10	startups	startup	NOUN
ajfti-2557	42	11	to	to	PART
ajfti-2557	42	12	offer	offer	VERB
ajfti-2557	42	13	digitally	digitally	ADV
ajfti-2557	42	14	enabled	enable	VERB
ajfti-2557	42	15	business	business	NOUN
ajfti-2557	42	16	applications	application	NOUN
ajfti-2557	42	17	,	,	PUNCT
ajfti-2557	42	18	as	as	ADV
ajfti-2557	42	19	well	well	ADV
ajfti-2557	42	20	as	as	ADP
ajfti-2557	42	21	gradually	gradually	ADV
ajfti-2557	42	22	increase	increase	VERB
ajfti-2557	42	23	local	local	ADJ
ajfti-2557	42	24	e	e	NOUN
ajfti-2557	42	25	-	-	NOUN
ajfti-2557	42	26	commerce	commerce	ADJ
ajfti-2557	42	27	(	(	PUNCT
ajfti-2557	42	28	world	world	PROPN
ajfti-2557	42	29	bank	bank	PROPN
ajfti-2557	42	30	group	group	NOUN
ajfti-2557	42	31	,	,	PUNCT
ajfti-2557	42	32	2020	2020	NUM
ajfti-2557	42	33	)	)	PUNCT
ajfti-2557	42	34	.	.	PUNCT
ajfti-2557	43	1	as	as	ADP
ajfti-2557	43	2	in	in	ADP
ajfti-2557	43	3	numerous	numerous	ADJ
ajfti-2557	43	4	creating	create	VERB
ajfti-2557	43	5	nations	nation	NOUN
ajfti-2557	43	6	,	,	PUNCT
ajfti-2557	43	7	versatile	versatile	ADJ
ajfti-2557	43	8	cash	cash	NOUN
ajfti-2557	43	9	was	be	AUX
ajfti-2557	43	10	advocated	advocate	VERB
ajfti-2557	43	11	as	as	ADP
ajfti-2557	43	12	a	a	DET
ajfti-2557	43	13	critical	critical	ADJ
ajfti-2557	43	14	device	device	NOUN
ajfti-2557	43	15	of	of	ADP
ajfti-2557	43	16	money	money	NOUN
ajfti-2557	43	17	related	relate	VERB
ajfti-2557	43	18	incorporation	incorporation	NOUN
ajfti-2557	43	19	in	in	ADP
ajfti-2557	43	20	sub	sub	ADJ
ajfti-2557	43	21	-	-	ADJ
ajfti-2557	43	22	saharan	saharan	ADJ
ajfti-2557	43	23	africa	africa	PROPN
ajfti-2557	43	24	.	.	PUNCT
ajfti-2557	44	1	this	this	PRON
ajfti-2557	44	2	consider	consider	VERB
ajfti-2557	44	3	endeavors	endeavor	NOUN
ajfti-2557	44	4	to	to	PART
ajfti-2557	44	5	distinguish	distinguish	VERB
ajfti-2557	44	6	the	the	DET
ajfti-2557	44	7	components	component	NOUN
ajfti-2557	44	8	persuading	persuade	VERB
ajfti-2557	44	9	rwandans	rwandan	NOUN
ajfti-2557	44	10	to	to	PART
ajfti-2557	44	11	utilize	utilize	VERB
ajfti-2557	44	12	the	the	DET
ajfti-2557	44	13	portable	portable	ADJ
ajfti-2557	44	14	cash	cash	NOUN
ajfti-2557	44	15	utilizing	utilize	VERB
ajfti-2557	44	16	the	the	DET
ajfti-2557	44	17	finscope	finscope	NOUN
ajfti-2557	44	18	2016	2016	NUM
ajfti-2557	44	19	study	study	NOUN
ajfti-2557	44	20	information	information	NOUN
ajfti-2557	44	21	collected	collect	VERB
ajfti-2557	44	22	from	from	ADP
ajfti-2557	44	23	an	an	DET
ajfti-2557	44	24	arbitrary	arbitrary	ADJ
ajfti-2557	44	25	test	test	NOUN
ajfti-2557	44	26	of	of	ADP
ajfti-2557	44	27	12,480	12,480	NUM
ajfti-2557	44	28	people	people	NOUN
ajfti-2557	44	29	.	.	PUNCT
ajfti-2557	45	1	considering	consider	VERB
ajfti-2557	45	2	that	that	SCONJ
ajfti-2557	45	3	receiving	receive	VERB
ajfti-2557	45	4	and	and	CCONJ
ajfti-2557	45	5	utilizing	utilize	VERB
ajfti-2557	45	6	portable	portable	ADJ
ajfti-2557	45	7	cash	cash	NOUN
ajfti-2557	45	8	is	be	AUX
ajfti-2557	45	9	discretionary	discretionary	ADJ
ajfti-2557	45	10	,	,	PUNCT
ajfti-2557	45	11	the	the	DET
ajfti-2557	45	12	greatest	great	ADJ
ajfti-2557	45	13	probability	probability	NOUN
ajfti-2557	45	14	strategy	strategy	NOUN
ajfti-2557	45	15	was	be	AUX
ajfti-2557	45	16	utilized	utilize	VERB
ajfti-2557	45	17	to	to	PART
ajfti-2557	45	18	assess	assess	VERB
ajfti-2557	45	19	an	an	DET
ajfti-2557	45	20	endogenous	endogenous	ADJ
ajfti-2557	45	21	exchanging	exchanging	NOUN
ajfti-2557	45	22	relapse	relapse	NOUN
ajfti-2557	45	23	show	show	NOUN
ajfti-2557	45	24	to	to	PART
ajfti-2557	45	25	account	account	VERB
ajfti-2557	45	26	for	for	ADP
ajfti-2557	45	27	test	test	NOUN
ajfti-2557	45	28	choice	choice	NOUN
ajfti-2557	45	29	and	and	CCONJ
ajfti-2557	45	30	indigeneity	indigeneity	NOUN
ajfti-2557	45	31	.	.	PUNCT
ajfti-2557	46	1	the	the	PRON
ajfti-2557	46	2	comes	come	VERB
ajfti-2557	46	3	about	about	ADP
ajfti-2557	46	4	put	put	VERB
ajfti-2557	46	5	forward	forward	ADV
ajfti-2557	46	6	the	the	DET
ajfti-2557	46	7	part	part	NOUN
ajfti-2557	46	8	of	of	ADP
ajfti-2557	46	9	financial	financial	ADJ
ajfti-2557	46	10	components	component	NOUN
ajfti-2557	46	11	,	,	PUNCT
ajfti-2557	46	12	riches	rich	NOUN
ajfti-2557	46	13	and	and	CCONJ
ajfti-2557	46	14	profitable	profitable	ADJ
ajfti-2557	46	15	resources	resource	NOUN
ajfti-2557	46	16	on	on	ADP
ajfti-2557	46	17	sparing	spare	VERB
ajfti-2557	46	18	advancement	advancement	NOUN
ajfti-2557	46	19	.	.	PUNCT
ajfti-2557	47	1	versatile	versatile	ADJ
ajfti-2557	47	2	cash	cash	NOUN
ajfti-2557	47	3	contributes	contribute	VERB
ajfti-2557	47	4	essentially	essentially	ADV
ajfti-2557	47	5	on	on	ADP
ajfti-2557	47	6	sparing	spare	VERB
ajfti-2557	47	7	advancement	advancement	NOUN
ajfti-2557	47	8	;	;	PUNCT
ajfti-2557	47	9	it	it	PRON
ajfti-2557	47	10	is	be	AUX
ajfti-2557	47	11	in	in	ADP
ajfti-2557	47	12	this	this	DET
ajfti-2557	47	13	way	way	NOUN
ajfti-2557	47	14	a	a	DET
ajfti-2557	47	15	figure	figure	NOUN
ajfti-2557	47	16	to	to	PART
ajfti-2557	47	17	boost	boost	VERB
ajfti-2557	47	18	the	the	DET
ajfti-2557	47	19	money	money	NOUN
ajfti-2557	47	20	related	relate	VERB
ajfti-2557	47	21	incorporation	incorporation	NOUN
ajfti-2557	47	22	and	and	CCONJ
ajfti-2557	47	23	a	a	DET
ajfti-2557	47	24	use	use	NOUN
ajfti-2557	47	25	point	point	NOUN
ajfti-2557	47	26	of	of	ADP
ajfti-2557	47	27	financial	financial	ADJ
ajfti-2557	47	28	advancement	advancement	NOUN
ajfti-2557	47	29	through	through	ADP
ajfti-2557	47	30	the	the	DET
ajfti-2557	47	31	upgrade	upgrade	NOUN
ajfti-2557	47	32	of	of	ADP
ajfti-2557	47	33	comprehensive	comprehensive	ADJ
ajfti-2557	47	34	development	development	NOUN
ajfti-2557	47	35	.	.	PUNCT
ajfti-2557	48	1	based	base	VERB
ajfti-2557	48	2	on	on	ADP
ajfti-2557	48	3	the	the	DET
ajfti-2557	48	4	investigate	investigate	ADJ
ajfti-2557	48	5	discoveries	discovery	NOUN
ajfti-2557	48	6	,	,	PUNCT
ajfti-2557	48	7	it	it	PRON
ajfti-2557	48	8	is	be	AUX
ajfti-2557	48	9	suggested	suggest	VERB
ajfti-2557	48	10	that	that	SCONJ
ajfti-2557	48	11	investigating	investigate	VERB
ajfti-2557	48	12	the	the	DET
ajfti-2557	48	13	components	component	NOUN
ajfti-2557	48	14	and	and	CCONJ
ajfti-2557	48	15	techniques	technique	NOUN
ajfti-2557	48	16	to	to	PART
ajfti-2557	48	17	put	put	VERB
ajfti-2557	48	18	in	in	ADP
ajfti-2557	48	19	put	put	VERB
ajfti-2557	48	20	a	a	DET
ajfti-2557	48	21	cashless	cashless	NOUN
ajfti-2557	48	22	financial	financial	ADJ
ajfti-2557	48	23	framework	framework	NOUN
ajfti-2557	48	24	would	would	AUX
ajfti-2557	48	25	make	make	VERB
ajfti-2557	48	26	strides	stride	NOUN
ajfti-2557	48	27	the	the	DET
ajfti-2557	48	28	financial	financial	ADJ
ajfti-2557	48	29	change	change	NOUN
ajfti-2557	48	30	in	in	ADP
ajfti-2557	48	31	rwanda	rwanda	PROPN
ajfti-2557	48	32	(	(	PUNCT
ajfti-2557	48	33	maniriho	maniriho	PROPN
ajfti-2557	48	34	,	,	PUNCT
ajfti-2557	48	35	2021	2021	NUM
ajfti-2557	48	36	)	)	PUNCT
ajfti-2557	48	37	.	.	PUNCT
ajfti-2557	49	1	song	song	PROPN
ajfti-2557	49	2	,	,	PUNCT
ajfti-2557	49	3	n.	n.	PROPN
ajfti-2557	49	4	(	(	PUNCT
ajfti-2557	49	5	2022	2022	NUM
ajfti-2557	49	6	)	)	PUNCT
ajfti-2557	49	7	has	have	AUX
ajfti-2557	49	8	assessed	assess	VERB
ajfti-2557	49	9	the	the	DET
ajfti-2557	49	10	impact	impact	NOUN
ajfti-2557	49	11	of	of	ADP
ajfti-2557	49	12	fintech	fintech	NOUN
ajfti-2557	49	13	on	on	ADP
ajfti-2557	49	14	economic	economic	ADJ
ajfti-2557	49	15	growth	growth	NOUN
ajfti-2557	49	16	:	:	PUNCT
ajfti-2557	49	17	evidence	evidence	NOUN
ajfti-2557	49	18	from	from	ADP
ajfti-2557	49	19	china	china	PROPN
ajfti-2557	49	20	.	.	PUNCT
ajfti-2557	50	1	budgetary	budgetary	ADJ
ajfti-2557	50	2	innovation	innovation	NOUN
ajfti-2557	50	3	(	(	PUNCT
ajfti-2557	50	4	fintech	fintech	NOUN
ajfti-2557	50	5	)	)	PUNCT
ajfti-2557	50	6	has	have	AUX
ajfti-2557	50	7	seen	see	VERB
ajfti-2557	50	8	quick	quick	ADJ
ajfti-2557	50	9	advancement	advancement	NOUN
ajfti-2557	50	10	as	as	ADP
ajfti-2557	50	11	of	of	ADP
ajfti-2557	50	12	late	late	ADV
ajfti-2557	50	13	in	in	ADP
ajfti-2557	50	14	china	china	PROPN
ajfti-2557	50	15	;	;	PUNCT
ajfti-2557	50	16	be	be	AUX
ajfti-2557	50	17	that	that	SCONJ
ajfti-2557	50	18	as	as	SCONJ
ajfti-2557	50	19	it	it	PRON
ajfti-2557	50	20	may	may	AUX
ajfti-2557	50	21	,	,	PUNCT
ajfti-2557	50	22	ponders	ponder	NOUN
ajfti-2557	50	23	investigating	investigate	VERB
ajfti-2557	50	24	the	the	DET
ajfti-2557	50	25	commitments	commitment	NOUN
ajfti-2557	50	26	of	of	ADP
ajfti-2557	50	27	fintech	fintech	NOUN
ajfti-2557	50	28	to	to	ADP
ajfti-2557	50	29	china	china	PROPN
ajfti-2557	50	30	financial	financial	PROPN
ajfti-2557	50	31	development	development	PROPN
ajfti-2557	50	32	stay	stay	VERB
ajfti-2557	50	33	constrained	constrain	VERB
ajfti-2557	50	34	.	.	PUNCT
ajfti-2557	51	1	in	in	ADP
ajfti-2557	51	2	this	this	DET
ajfti-2557	51	3	way	way	NOUN
ajfti-2557	51	4	,	,	PUNCT
ajfti-2557	51	5	this	this	PRON
ajfti-2557	51	6	think	think	VERB
ajfti-2557	51	7	about	about	ADP
ajfti-2557	51	8	propelled	propel	VERB
ajfti-2557	51	9	by	by	ADP
ajfti-2557	51	10	the	the	DET
ajfti-2557	51	11	information	information	NOUN
ajfti-2557	51	12	crevices	crevice	NOUN
ajfti-2557	51	13	and	and	CCONJ
ajfti-2557	51	14	quick	quick	ADJ
ajfti-2557	51	15	development	development	NOUN
ajfti-2557	51	16	of	of	ADP
ajfti-2557	51	17	fintech	fintech	NOUN
ajfti-2557	51	18	inspected	inspect	VERB
ajfti-2557	51	19	(	(	PUNCT
ajfti-2557	51	20	i	i	NOUN
ajfti-2557	51	21	)	)	PUNCT
ajfti-2557	51	22	the	the	DET
ajfti-2557	51	23	effect	effect	NOUN
ajfti-2557	51	24	of	of	ADP
ajfti-2557	51	25	fintech	fintech	NOUN
ajfti-2557	51	26	and	and	CCONJ
ajfti-2557	51	27	the	the	DET
ajfti-2557	51	28	sub	sub	NOUN
ajfti-2557	51	29	-	-	NOUN
ajfti-2557	51	30	measures	measure	NOUN
ajfti-2557	51	31	of	of	ADP
ajfti-2557	51	32	third	third	ADJ
ajfti-2557	51	33	-	-	PUNCT
ajfti-2557	51	34	party	party	NOUN
ajfti-2557	51	35	installment	installment	NOUN
ajfti-2557	51	36	,	,	PUNCT
ajfti-2557	51	37	credit	credit	NOUN
ajfti-2557	51	38	,	,	PUNCT
ajfti-2557	51	39	and	and	CCONJ
ajfti-2557	51	40	protections	protection	NOUN
ajfti-2557	51	41	on	on	ADP
ajfti-2557	51	42	china	china	PROPN
ajfti-2557	51	43	’s	’s	PART
ajfti-2557	51	44	financial	financial	ADJ
ajfti-2557	51	45	development	development	NOUN
ajfti-2557	51	46	;	;	PUNCT
ajfti-2557	51	47	(	(	PUNCT
ajfti-2557	51	48	ii	ii	NOUN
ajfti-2557	51	49	)	)	PUNCT
ajfti-2557	51	50	the	the	DET
ajfti-2557	51	51	territorial	territorial	ADJ
ajfti-2557	51	52	and	and	CCONJ
ajfti-2557	51	53	common	common	ADJ
ajfti-2557	51	54	effect	effect	NOUN
ajfti-2557	51	55	of	of	ADP
ajfti-2557	51	56	fintech	fintech	NOUN
ajfti-2557	51	57	on	on	ADP
ajfti-2557	51	58	china	china	PROPN
ajfti-2557	51	59	financial	financial	PROPN
ajfti-2557	51	60	development	development	PROPN
ajfti-2557	51	61	;	;	PUNCT
ajfti-2557	51	62	(	(	PUNCT
ajfti-2557	51	63	iii	iii	X
ajfti-2557	51	64	)	)	PUNCT
ajfti-2557	51	65	the	the	DET
ajfti-2557	51	66	causality	causality	NOUN
ajfti-2557	51	67	connections	connection	NOUN
ajfti-2557	51	68	between	between	ADP
ajfti-2557	51	69	fintech	fintech	NOUN
ajfti-2557	51	70	and	and	CCONJ
ajfti-2557	51	71	financial	financial	ADJ
ajfti-2557	51	72	development	development	NOUN
ajfti-2557	51	73	.	.	PUNCT
ajfti-2557	52	1	by	by	ADP
ajfti-2557	52	2	using	use	VERB
ajfti-2557	52	3	a	a	DET
ajfti-2557	52	4	sample	sample	NOUN
ajfti-2557	52	5	of	of	ADP
ajfti-2557	52	6	31	31	NUM
ajfti-2557	52	7	provinces	province	NOUN
ajfti-2557	52	8	in	in	ADP
ajfti-2557	52	9	china	china	PROPN
ajfti-2557	52	10	and	and	CCONJ
ajfti-2557	52	11	the	the	DET
ajfti-2557	52	12	instrumental	instrumental	ADJ
ajfti-2557	52	13	variable	variable	ADJ
ajfti-2557	52	14	generalized	generalized	ADJ
ajfti-2557	52	15	method	method	NOUN
ajfti-2557	52	16	of	of	ADP
ajfti-2557	52	17	moments	moment	NOUN
ajfti-2557	52	18	(	(	PUNCT
ajfti-2557	52	19	iv	iv	NUM
ajfti-2557	52	20	–	–	PUNCT
ajfti-2557	52	21	gmm	gmm	NOUN
ajfti-2557	52	22	)	)	PUNCT
ajfti-2557	52	23	technique	technique	NOUN
ajfti-2557	52	24	,	,	PUNCT
ajfti-2557	52	25	the	the	DET
ajfti-2557	52	26	study	study	NOUN
ajfti-2557	52	27	established	establish	VERB
ajfti-2557	52	28	the	the	DET
ajfti-2557	52	29	following	following	NOUN
ajfti-2557	52	30	:	:	PUNCT
ajfti-2557	52	31	(	(	PUNCT
ajfti-2557	52	32	i	i	NOUN
ajfti-2557	52	33	)	)	PUNCT
ajfti-2557	52	34	fintech	fintech	NOUN
ajfti-2557	52	35	and	and	CCONJ
ajfti-2557	52	36	the	the	DET
ajfti-2557	52	37	sub	sub	NOUN
ajfti-2557	52	38	-	-	NOUN
ajfti-2557	52	39	measures	measure	NOUN
ajfti-2557	52	40	of	of	ADP
ajfti-2557	52	41	third	third	ADJ
ajfti-2557	52	42	-	-	PUNCT
ajfti-2557	52	43	party	party	NOUN
ajfti-2557	52	44	payment	payment	NOUN
ajfti-2557	52	45	,	,	PUNCT
ajfti-2557	52	46	credit	credit	NOUN
ajfti-2557	52	47	,	,	PUNCT
ajfti-2557	52	48	and	and	CCONJ
ajfti-2557	52	49	insurance	insurance	NOUN
ajfti-2557	52	50	have	have	VERB
ajfti-2557	52	51	a	a	DET
ajfti-2557	52	52	statistically	statistically	ADV
ajfti-2557	52	53	significant	significant	ADJ
ajfti-2557	52	54	positive	positive	ADJ
ajfti-2557	52	55	effect	effect	NOUN
ajfti-2557	52	56	on	on	ADP
ajfti-2557	52	57	china	china	PROPN
ajfti-2557	52	58	’s	’s	PART
ajfti-2557	52	59	economic	economic	ADJ
ajfti-2557	52	60	growth	growth	NOUN
ajfti-2557	52	61	.	.	PUNCT
ajfti-2557	53	1	specifically	specifically	ADV
ajfti-2557	53	2	,	,	PUNCT
ajfti-2557	53	3	a	a	DET
ajfti-2557	53	4	10	10	NUM
ajfti-2557	53	5	%	%	NOUN
ajfti-2557	53	6	rise	rise	NOUN
ajfti-2557	53	7	in	in	ADP
ajfti-2557	53	8	fintech	fintech	NOUN
ajfti-2557	53	9	,	,	PUNCT
ajfti-2557	53	10	third	third	ADJ
ajfti-2557	53	11	-	-	PUNCT
ajfti-2557	53	12	party	party	NOUN
ajfti-2557	53	13	payment	payment	NOUN
ajfti-2557	53	14	,	,	PUNCT
ajfti-2557	53	15	credit	credit	NOUN
ajfti-2557	53	16	,	,	PUNCT
ajfti-2557	53	17	and	and	CCONJ
ajfti-2557	53	18	insurance	insurance	NOUN
ajfti-2557	53	19	raises	raise	VERB
ajfti-2557	53	20	china	china	PROPN
ajfti-2557	53	21	’s	’s	PART
ajfti-2557	53	22	economic	economic	ADJ
ajfti-2557	53	23	growth	growth	NOUN
ajfti-2557	53	24	by	by	ADP
ajfti-2557	53	25	8	8	NUM
ajfti-2557	53	26	%	%	NOUN
ajfti-2557	53	27	,	,	PUNCT
ajfti-2557	53	28	4	4	NUM
ajfti-2557	53	29	%	%	NOUN
ajfti-2557	53	30	,	,	PUNCT
ajfti-2557	53	31	5	5	NUM
ajfti-2557	53	32	%	%	NOUN
ajfti-2557	53	33	,	,	PUNCT
ajfti-2557	53	34	and	and	CCONJ
ajfti-2557	53	35	16	16	NUM
ajfti-2557	53	36	%	%	NOUN
ajfti-2557	53	37	,	,	PUNCT
ajfti-2557	53	38	respectively	respectively	ADV
ajfti-2557	53	39	;	;	PUNCT
ajfti-2557	53	40	(	(	PUNCT
ajfti-2557	53	41	ii	ii	X
ajfti-2557	53	42	)	)	PUNCT
ajfti-2557	53	43	the	the	DET
ajfti-2557	53	44	eastern	eastern	ADJ
ajfti-2557	53	45	region	region	NOUN
ajfti-2557	53	46	has	have	VERB
ajfti-2557	53	47	the	the	DET
ajfti-2557	53	48	highest	high	ADJ
ajfti-2557	53	49	growth	growth	NOUN
ajfti-2557	53	50	effect	effect	NOUN
ajfti-2557	53	51	of	of	ADP
ajfti-2557	53	52	fintech	fintech	NOUN
ajfti-2557	53	53	.	.	PUNCT
ajfti-2557	54	1	moreover	moreover	ADV
ajfti-2557	54	2	,	,	PUNCT
ajfti-2557	54	3	zhejiang	zhejiang	PROPN
ajfti-2557	54	4	province	province	PROPN
ajfti-2557	54	5	has	have	VERB
ajfti-2557	54	6	the	the	DET
ajfti-2557	54	7	highest	high	ADJ
ajfti-2557	54	8	growth	growth	NOUN
ajfti-2557	54	9	effect	effect	NOUN
ajfti-2557	54	10	of	of	ADP
ajfti-2557	54	11	fintech	fintech	NOUN
ajfti-2557	54	12	at	at	ADP
ajfti-2557	54	13	the	the	DET
ajfti-2557	54	14	provincial	provincial	ADJ
ajfti-2557	54	15	level	level	NOUN
ajfti-2557	54	16	;	;	PUNCT
ajfti-2557	54	17	(	(	PUNCT
ajfti-2557	54	18	iii	iii	X
ajfti-2557	54	19	)	)	PUNCT
ajfti-2557	54	20	a	a	DET
ajfti-2557	54	21	unidirectional	unidirectional	ADJ
ajfti-2557	54	22	causality	causality	NOUN
ajfti-2557	54	23	exists	exist	VERB
ajfti-2557	54	24	from	from	ADP
ajfti-2557	54	25	third	third	ADJ
ajfti-2557	54	26	-	-	PUNCT
ajfti-2557	54	27	party	party	NOUN
ajfti-2557	54	28	payment	payment	NOUN
ajfti-2557	54	29	and	and	CCONJ
ajfti-2557	54	30	credit	credit	NOUN
ajfti-2557	54	31	to	to	ADP
ajfti-2557	54	32	economic	economic	ADJ
ajfti-2557	54	33	growth	growth	NOUN
ajfti-2557	54	34	and	and	CCONJ
ajfti-2557	54	35	economic	economic	ADJ
ajfti-2557	54	36	growth	growth	NOUN
ajfti-2557	54	37	to	to	ADP
ajfti-2557	54	38	insurance	insurance	NOUN
ajfti-2557	54	39	;	;	PUNCT
ajfti-2557	54	40	a	a	DET
ajfti-2557	54	41	bidirectional	bidirectional	ADJ
ajfti-2557	54	42	causality	causality	NOUN
ajfti-2557	54	43	exists	exist	VERB
ajfti-2557	54	44	between	between	ADP
ajfti-2557	54	45	fintech	fintech	NOUN
ajfti-2557	54	46	and	and	CCONJ
ajfti-2557	54	47	economic	economic	ADJ
ajfti-2557	54	48	growth	growth	NOUN
ajfti-2557	54	49	.	.	PUNCT
ajfti-2557	55	1	song	song	NOUN
ajfti-2557	55	2	,	,	PUNCT
ajfti-2557	55	3	n.	n.	PROPN
ajfti-2557	55	4	(	(	PUNCT
ajfti-2557	55	5	2022	2022	NUM
ajfti-2557	55	6	)	)	PUNCT
ajfti-2557	55	7	study	study	NOUN
ajfti-2557	55	8	explicitly	explicitly	ADV
ajfti-2557	55	9	suggests	suggest	VERB
ajfti-2557	55	10	substantial	substantial	ADJ
ajfti-2557	55	11	institutional	institutional	ADJ
ajfti-2557	55	12	reforms	reform	NOUN
ajfti-2557	55	13	to	to	PART
ajfti-2557	55	14	promote	promote	VERB
ajfti-2557	55	15	the	the	DET
ajfti-2557	55	16	healthy	healthy	ADJ
ajfti-2557	55	17	development	development	NOUN
ajfti-2557	55	18	of	of	ADP
ajfti-2557	55	19	fintech	fintech	NOUN
ajfti-2557	55	20	in	in	ADP
ajfti-2557	55	21	china	china	PROPN
ajfti-2557	55	22	(	(	PUNCT
ajfti-2557	55	23	song	song	NOUN
ajfti-2557	55	24	,	,	PUNCT
ajfti-2557	55	25	2022	2022	NUM
ajfti-2557	55	26	)	)	PUNCT
ajfti-2557	55	27	.	.	PUNCT
ajfti-2557	56	1	hashem	hashem	PROPN
ajfti-2557	56	2	,	,	PUNCT
ajfti-2557	56	3	et	et	PROPN
ajfti-2557	56	4	al	al	PROPN
ajfti-2557	56	5	.	.	PROPN
ajfti-2557	56	6	(	(	PUNCT
ajfti-2557	56	7	2023	2023	NUM
ajfti-2557	56	8	)	)	PUNCT
ajfti-2557	56	9	reveal	reveal	VERB
ajfti-2557	56	10	the	the	DET
ajfti-2557	56	11	effect	effect	NOUN
ajfti-2557	56	12	of	of	ADP
ajfti-2557	56	13	fintech	fintech	NOUN
ajfti-2557	56	14	through	through	ADP
ajfti-2557	56	15	money	money	NOUN
ajfti-2557	56	16	related	relate	VERB
ajfti-2557	56	17	advancement	advancement	NOUN
ajfti-2557	56	18	,	,	PUNCT
ajfti-2557	56	19	budgetary	budgetary	ADJ
ajfti-2557	56	20	consideration	consideration	NOUN
ajfti-2557	56	21	,	,	PUNCT
ajfti-2557	56	22	and	and	CCONJ
ajfti-2557	56	23	regulation	regulation	NOUN
ajfti-2557	56	24	quality	quality	NOUN
ajfti-2557	56	25	on	on	ADP
ajfti-2557	56	26	the	the	DET
ajfti-2557	56	27	comprehensive	comprehensive	ADJ
ajfti-2557	56	28	development	development	NOUN
ajfti-2557	56	29	of	of	ADP
ajfti-2557	56	30	25	25	NUM
ajfti-2557	56	31	creating	create	VERB
ajfti-2557	56	32	nations	nation	NOUN
ajfti-2557	56	33	in	in	ADP
ajfti-2557	56	34	asia	asia	PROPN
ajfti-2557	56	35	.	.	PUNCT
ajfti-2557	57	1	to	to	PART
ajfti-2557	57	2	serve	serve	VERB
ajfti-2557	57	3	this	this	DET
ajfti-2557	57	4	reason	reason	NOUN
ajfti-2557	57	5	,	,	PUNCT
ajfti-2557	57	6	the	the	DET
ajfti-2557	57	7	human	human	ADJ
ajfti-2557	57	8	improvement	improvement	NOUN
ajfti-2557	57	9	list	list	NOUN
ajfti-2557	57	10	(	(	PUNCT
ajfti-2557	57	11	hdi	hdi	PROPN
ajfti-2557	57	12	)	)	PUNCT
ajfti-2557	57	13	,	,	PUNCT
ajfti-2557	57	14	the	the	DET
ajfti-2557	57	15	subordinate	subordinate	ADJ
ajfti-2557	57	16	variable	variable	NOUN
ajfti-2557	57	17	,	,	PUNCT
ajfti-2557	57	18	has	have	AUX
ajfti-2557	57	19	been	be	AUX
ajfti-2557	57	20	taken	take	VERB
ajfti-2557	57	21	as	as	ADP
ajfti-2557	57	22	the	the	DET
ajfti-2557	57	23	intermediary	intermediary	NOUN
ajfti-2557	57	24	for	for	ADP
ajfti-2557	57	25	comprehensive	comprehensive	ADJ
ajfti-2557	57	26	development	development	NOUN
ajfti-2557	57	27	together	together	ADV
ajfti-2557	57	28	with	with	ADP
ajfti-2557	57	29	a	a	DET
ajfti-2557	57	30	set	set	NOUN
ajfti-2557	57	31	of	of	ADP
ajfti-2557	57	32	autonomous	autonomous	ADJ
ajfti-2557	57	33	factors	factor	NOUN
ajfti-2557	57	34	in	in	ADP
ajfti-2557	57	35	a	a	DET
ajfti-2557	57	36	well	well	ADV
ajfti-2557	57	37	-	-	PUNCT
ajfti-2557	57	38	balanced	balance	VERB
ajfti-2557	57	39	board	board	NOUN
ajfti-2557	57	40	information	information	NOUN
ajfti-2557	57	41	set	set	NOUN
ajfti-2557	57	42	,	,	PUNCT
ajfti-2557	57	43	which	which	PRON
ajfti-2557	57	44	is	be	AUX
ajfti-2557	57	45	at	at	ADP
ajfti-2557	57	46	that	that	DET
ajfti-2557	57	47	point	point	NOUN
ajfti-2557	57	48	analyzed	analyze	VERB
ajfti-2557	57	49	to	to	PART
ajfti-2557	57	50	see	see	VERB
ajfti-2557	57	51	the	the	DET
ajfti-2557	57	52	effect	effect	NOUN
ajfti-2557	57	53	of	of	ADP
ajfti-2557	57	54	changing	change	VERB
ajfti-2557	57	55	levels	level	NOUN
ajfti-2557	57	56	of	of	ADP
ajfti-2557	57	57	autonomous	autonomous	ADJ
ajfti-2557	57	58	factors	factor	NOUN
ajfti-2557	57	59	on	on	ADP
ajfti-2557	57	60	human	human	ADJ
ajfti-2557	57	61	advancement	advancement	NOUN
ajfti-2557	57	62	for	for	ADP
ajfti-2557	57	63	the	the	DET
ajfti-2557	57	64	period	period	NOUN
ajfti-2557	57	65	2014	2014	NUM
ajfti-2557	57	66	-	-	SYM
ajfti-2557	57	67	2021	2021	NUM
ajfti-2557	57	68	.	.	PUNCT
ajfti-2557	58	1	the	the	DET
ajfti-2557	58	2	results	result	NOUN
ajfti-2557	58	3	about	about	AUX
ajfti-2557	58	4	appear	appear	VERB
ajfti-2557	58	5	that	that	SCONJ
ajfti-2557	58	6	expanding	expand	VERB
ajfti-2557	58	7	the	the	DET
ajfti-2557	58	8	level	level	NOUN
ajfti-2557	58	9	of	of	ADP
ajfti-2557	58	10	fintech	fintech	NOUN
ajfti-2557	58	11	beside	beside	ADP
ajfti-2557	58	12	the	the	DET
ajfti-2557	58	13	findex	findex	NOUN
ajfti-2557	58	14	,	,	PUNCT
ajfti-2557	58	15	monetary	monetary	ADJ
ajfti-2557	58	16	incorporation	incorporation	NOUN
ajfti-2557	58	17	,	,	PUNCT
ajfti-2557	58	18	and	and	CCONJ
ajfti-2557	58	19	regulation	regulation	NOUN
ajfti-2557	58	20	quality	quality	NOUN
ajfti-2557	58	21	may	may	AUX
ajfti-2557	58	22	increment	increment	VERB
ajfti-2557	58	23	human	human	ADJ
ajfti-2557	58	24	improvement	improvement	NOUN
ajfti-2557	58	25	(	(	PUNCT
ajfti-2557	58	26	hashem	hashem	NOUN
ajfti-2557	58	27	,	,	PUNCT
ajfti-2557	58	28	2023	2023	NUM
ajfti-2557	58	29	)	)	PUNCT
ajfti-2557	58	30	.	.	PUNCT
ajfti-2557	59	1	fintech	fintech	NOUN
ajfti-2557	59	2	(	(	PUNCT
ajfti-2557	59	3	financial	financial	ADJ
ajfti-2557	59	4	technology	technology	NOUN
ajfti-2557	59	5	)	)	PUNCT
ajfti-2557	59	6	plays	play	VERB
ajfti-2557	59	7	a	a	DET
ajfti-2557	59	8	critical	critical	ADJ
ajfti-2557	59	9	role	role	NOUN
ajfti-2557	59	10	in	in	ADP
ajfti-2557	59	11	driving	drive	VERB
ajfti-2557	59	12	economic	economic	ADJ
ajfti-2557	59	13	growth	growth	NOUN
ajfti-2557	59	14	and	and	CCONJ
ajfti-2557	59	15	development	development	NOUN
ajfti-2557	59	16	through	through	ADP
ajfti-2557	59	17	its	its	PRON
ajfti-2557	59	18	various	various	ADJ
ajfti-2557	59	19	contributions	contribution	NOUN
ajfti-2557	59	20	to	to	ADP
ajfti-2557	59	21	the	the	DET
ajfti-2557	59	22	economy	economy	NOUN
ajfti-2557	59	23	.	.	PUNCT
ajfti-2557	60	1	here	here	ADV
ajfti-2557	60	2	are	be	AUX
ajfti-2557	60	3	some	some	DET
ajfti-2557	60	4	key	key	ADJ
ajfti-2557	60	5	ways	way	NOUN
ajfti-2557	60	6	in	in	ADP
ajfti-2557	60	7	which	which	PRON
ajfti-2557	60	8	fintech	fintech	NOUN
ajfti-2557	60	9	makes	make	VERB
ajfti-2557	60	10	a	a	DET
ajfti-2557	60	11	significant	significant	ADJ
ajfti-2557	60	12	impact	impact	NOUN
ajfti-2557	60	13	:	:	PUNCT
ajfti-2557	60	14	pa	pa	PROPN
ajfti-2557	60	15	ge	ge	PROPN
ajfti-2557	60	16	27	27	NUM
ajfti-2557	60	17	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	NOUN
ajfti-2557	60	18	am	be	AUX
ajfti-2557	60	19	.	.	PUNCT
ajfti-2557	61	1	j.	j.	PROPN
ajfti-2557	61	2	financ	financ	PROPN
ajfti-2557	61	3	.	.	PUNCT
ajfti-2557	62	1	technol	technol	PROPN
ajfti-2557	62	2	.	.	PUNCT
ajfti-2557	62	3	innov	innov	PROPN
ajfti-2557	62	4	.	.	PUNCT
ajfti-2557	63	1	2(1	2(1	NUM
ajfti-2557	63	2	)	)	PUNCT
ajfti-2557	63	3	25	25	NUM
ajfti-2557	63	4	-	-	SYM
ajfti-2557	63	5	32	32	NUM
ajfti-2557	63	6	,	,	PUNCT
ajfti-2557	63	7	2024	2024	NUM
ajfti-2557	63	8	increased	increase	VERB
ajfti-2557	63	9	financial	financial	ADJ
ajfti-2557	63	10	inclusion	inclusion	NOUN
ajfti-2557	63	11	fintech	fintech	NOUN
ajfti-2557	63	12	has	have	AUX
ajfti-2557	63	13	been	be	AUX
ajfti-2557	63	14	instrumental	instrumental	ADJ
ajfti-2557	63	15	in	in	ADP
ajfti-2557	63	16	expanding	expand	VERB
ajfti-2557	63	17	access	access	NOUN
ajfti-2557	63	18	to	to	ADP
ajfti-2557	63	19	financial	financial	ADJ
ajfti-2557	63	20	services	service	NOUN
ajfti-2557	63	21	,	,	PUNCT
ajfti-2557	63	22	particularly	particularly	ADV
ajfti-2557	63	23	in	in	ADP
ajfti-2557	63	24	underserved	underserved	ADJ
ajfti-2557	63	25	and	and	CCONJ
ajfti-2557	63	26	unbanked	unbanked	ADJ
ajfti-2557	63	27	populations	population	NOUN
ajfti-2557	63	28	.	.	PUNCT
ajfti-2557	64	1	by	by	ADP
ajfti-2557	64	2	leveraging	leverage	VERB
ajfti-2557	64	3	digital	digital	ADJ
ajfti-2557	64	4	and	and	CCONJ
ajfti-2557	64	5	mobile	mobile	ADJ
ajfti-2557	64	6	technologies	technology	NOUN
ajfti-2557	64	7	,	,	PUNCT
ajfti-2557	64	8	fintech	fintech	NOUN
ajfti-2557	64	9	firms	firm	NOUN
ajfti-2557	64	10	have	have	AUX
ajfti-2557	64	11	been	be	AUX
ajfti-2557	64	12	able	able	ADJ
ajfti-2557	64	13	to	to	PART
ajfti-2557	64	14	reach	reach	VERB
ajfti-2557	64	15	individuals	individual	NOUN
ajfti-2557	64	16	and	and	CCONJ
ajfti-2557	64	17	businesses	business	NOUN
ajfti-2557	64	18	that	that	PRON
ajfti-2557	64	19	were	be	AUX
ajfti-2557	64	20	previously	previously	ADV
ajfti-2557	64	21	excluded	exclude	VERB
ajfti-2557	64	22	from	from	ADP
ajfti-2557	64	23	the	the	DET
ajfti-2557	64	24	formal	formal	ADJ
ajfti-2557	64	25	financial	financial	ADJ
ajfti-2557	64	26	system	system	NOUN
ajfti-2557	64	27	.	.	PUNCT
ajfti-2557	65	1	this	this	DET
ajfti-2557	65	2	increased	increase	VERB
ajfti-2557	65	3	financial	financial	ADJ
ajfti-2557	65	4	inclusion	inclusion	NOUN
ajfti-2557	65	5	helps	help	VERB
ajfti-2557	65	6	stimulate	stimulate	VERB
ajfti-2557	65	7	economic	economic	ADJ
ajfti-2557	65	8	activity	activity	NOUN
ajfti-2557	65	9	by	by	ADP
ajfti-2557	65	10	providing	provide	VERB
ajfti-2557	65	11	more	more	ADJ
ajfti-2557	65	12	people	people	NOUN
ajfti-2557	65	13	with	with	ADP
ajfti-2557	65	14	access	access	NOUN
ajfti-2557	65	15	to	to	ADP
ajfti-2557	65	16	banking	banking	NOUN
ajfti-2557	65	17	,	,	PUNCT
ajfti-2557	65	18	lending	lending	NOUN
ajfti-2557	65	19	,	,	PUNCT
ajfti-2557	65	20	insurance	insurance	NOUN
ajfti-2557	65	21	,	,	PUNCT
ajfti-2557	65	22	and	and	CCONJ
ajfti-2557	65	23	investment	investment	NOUN
ajfti-2557	65	24	opportunities	opportunity	NOUN
ajfti-2557	65	25	,	,	PUNCT
ajfti-2557	65	26	thereby	thereby	ADV
ajfti-2557	65	27	enabling	enable	VERB
ajfti-2557	65	28	them	they	PRON
ajfti-2557	65	29	to	to	PART
ajfti-2557	65	30	participate	participate	VERB
ajfti-2557	65	31	more	more	ADV
ajfti-2557	65	32	fully	fully	ADV
ajfti-2557	65	33	in	in	ADP
ajfti-2557	65	34	the	the	DET
ajfti-2557	65	35	economy	economy	NOUN
ajfti-2557	65	36	(	(	PUNCT
ajfti-2557	65	37	mashamba	mashamba	ADJ
ajfti-2557	65	38	,	,	PUNCT
ajfti-2557	65	39	2023	2023	NUM
ajfti-2557	65	40	)	)	PUNCT
ajfti-2557	65	41	.	.	PUNCT
ajfti-2557	66	1	enhanced	enhance	VERB
ajfti-2557	66	2	efficiency	efficiency	NOUN
ajfti-2557	66	3	and	and	CCONJ
ajfti-2557	66	4	cost	cost	NOUN
ajfti-2557	66	5	savings	saving	NOUN
ajfti-2557	66	6	fintech	fintech	NOUN
ajfti-2557	66	7	innovations	innovation	NOUN
ajfti-2557	66	8	,	,	PUNCT
ajfti-2557	66	9	such	such	ADJ
ajfti-2557	66	10	as	as	ADP
ajfti-2557	66	11	digital	digital	ADJ
ajfti-2557	66	12	payments	payment	NOUN
ajfti-2557	66	13	,	,	PUNCT
ajfti-2557	66	14	automated	automate	VERB
ajfti-2557	66	15	processes	process	NOUN
ajfti-2557	66	16	,	,	PUNCT
ajfti-2557	66	17	and	and	CCONJ
ajfti-2557	66	18	ai	ai	AUX
ajfti-2557	66	19	-	-	PUNCT
ajfti-2557	66	20	driven	drive	VERB
ajfti-2557	66	21	analytics	analytic	NOUN
ajfti-2557	66	22	,	,	PUNCT
ajfti-2557	66	23	have	have	AUX
ajfti-2557	66	24	led	lead	VERB
ajfti-2557	66	25	to	to	ADP
ajfti-2557	66	26	significant	significant	ADJ
ajfti-2557	66	27	improvements	improvement	NOUN
ajfti-2557	66	28	in	in	ADP
ajfti-2557	66	29	the	the	DET
ajfti-2557	66	30	efficiency	efficiency	NOUN
ajfti-2557	66	31	of	of	ADP
ajfti-2557	66	32	financial	financial	ADJ
ajfti-2557	66	33	transactions	transaction	NOUN
ajfti-2557	66	34	and	and	CCONJ
ajfti-2557	66	35	services	service	NOUN
ajfti-2557	66	36	.	.	PUNCT
ajfti-2557	67	1	this	this	PRON
ajfti-2557	67	2	,	,	PUNCT
ajfti-2557	67	3	in	in	ADP
ajfti-2557	67	4	turn	turn	NOUN
ajfti-2557	67	5	,	,	PUNCT
ajfti-2557	67	6	reduces	reduce	VERB
ajfti-2557	67	7	costs	cost	NOUN
ajfti-2557	67	8	for	for	ADP
ajfti-2557	67	9	businesses	business	NOUN
ajfti-2557	67	10	and	and	CCONJ
ajfti-2557	67	11	consumers	consumer	NOUN
ajfti-2557	67	12	,	,	PUNCT
ajfti-2557	67	13	freeing	free	VERB
ajfti-2557	67	14	up	up	ADP
ajfti-2557	67	15	capital	capital	NOUN
ajfti-2557	67	16	that	that	PRON
ajfti-2557	67	17	can	can	AUX
ajfti-2557	67	18	be	be	AUX
ajfti-2557	67	19	deployed	deploy	VERB
ajfti-2557	67	20	elsewhere	elsewhere	ADV
ajfti-2557	67	21	in	in	ADP
ajfti-2557	67	22	the	the	DET
ajfti-2557	67	23	economy	economy	NOUN
ajfti-2557	67	24	.	.	PUNCT
ajfti-2557	68	1	for	for	ADP
ajfti-2557	68	2	businesses	business	NOUN
ajfti-2557	68	3	,	,	PUNCT
ajfti-2557	68	4	streamlined	streamlined	ADJ
ajfti-2557	68	5	and	and	CCONJ
ajfti-2557	68	6	automated	automate	VERB
ajfti-2557	68	7	financial	financial	ADJ
ajfti-2557	68	8	processes	process	NOUN
ajfti-2557	68	9	result	result	VERB
ajfti-2557	68	10	in	in	ADP
ajfti-2557	68	11	operational	operational	ADJ
ajfti-2557	68	12	cost	cost	NOUN
ajfti-2557	68	13	savings	saving	NOUN
ajfti-2557	68	14	,	,	PUNCT
ajfti-2557	68	15	while	while	SCONJ
ajfti-2557	68	16	consumers	consumer	NOUN
ajfti-2557	68	17	benefit	benefit	VERB
ajfti-2557	68	18	from	from	ADP
ajfti-2557	68	19	lower	low	ADJ
ajfti-2557	68	20	fees	fee	NOUN
ajfti-2557	68	21	,	,	PUNCT
ajfti-2557	68	22	faster	fast	ADJ
ajfti-2557	68	23	transactions	transaction	NOUN
ajfti-2557	68	24	,	,	PUNCT
ajfti-2557	68	25	and	and	CCONJ
ajfti-2557	68	26	improved	improve	VERB
ajfti-2557	68	27	access	access	NOUN
ajfti-2557	68	28	to	to	ADP
ajfti-2557	68	29	affordable	affordable	ADJ
ajfti-2557	68	30	financial	financial	ADJ
ajfti-2557	68	31	products	product	NOUN
ajfti-2557	68	32	and	and	CCONJ
ajfti-2557	68	33	services	service	NOUN
ajfti-2557	68	34	(	(	PUNCT
ajfti-2557	68	35	tyson	tyson	PROPN
ajfti-2557	68	36	,	,	PUNCT
ajfti-2557	68	37	2021	2021	NUM
ajfti-2557	68	38	)	)	PUNCT
ajfti-2557	68	39	.	.	PUNCT
ajfti-2557	69	1	support	support	NOUN
ajfti-2557	69	2	for	for	ADP
ajfti-2557	69	3	small	small	ADJ
ajfti-2557	69	4	and	and	CCONJ
ajfti-2557	69	5	medium	medium	ADJ
ajfti-2557	69	6	-	-	PUNCT
ajfti-2557	69	7	sized	sized	ADJ
ajfti-2557	69	8	enterprises	enterprise	NOUN
ajfti-2557	69	9	(	(	PUNCT
ajfti-2557	69	10	smes	sme	NOUN
ajfti-2557	69	11	)	)	PUNCT
ajfti-2557	69	12	fintech	fintech	NOUN
ajfti-2557	69	13	solutions	solution	NOUN
ajfti-2557	69	14	have	have	AUX
ajfti-2557	69	15	proven	prove	VERB
ajfti-2557	69	16	to	to	PART
ajfti-2557	69	17	be	be	AUX
ajfti-2557	69	18	particularly	particularly	ADV
ajfti-2557	69	19	beneficial	beneficial	ADJ
ajfti-2557	69	20	for	for	ADP
ajfti-2557	69	21	smes	sme	NOUN
ajfti-2557	69	22	,	,	PUNCT
ajfti-2557	69	23	providing	provide	VERB
ajfti-2557	69	24	them	they	PRON
ajfti-2557	69	25	with	with	ADP
ajfti-2557	69	26	access	access	NOUN
ajfti-2557	69	27	to	to	ADP
ajfti-2557	69	28	financing	financing	NOUN
ajfti-2557	69	29	,	,	PUNCT
ajfti-2557	69	30	payment	payment	NOUN
ajfti-2557	69	31	processing	processing	NOUN
ajfti-2557	69	32	,	,	PUNCT
ajfti-2557	69	33	accounting	accounting	NOUN
ajfti-2557	69	34	tools	tool	NOUN
ajfti-2557	69	35	,	,	PUNCT
ajfti-2557	69	36	and	and	CCONJ
ajfti-2557	69	37	other	other	ADJ
ajfti-2557	69	38	essential	essential	ADJ
ajfti-2557	69	39	financial	financial	ADJ
ajfti-2557	69	40	services	service	NOUN
ajfti-2557	69	41	.	.	PUNCT
ajfti-2557	70	1	by	by	ADP
ajfti-2557	70	2	facilitating	facilitate	VERB
ajfti-2557	70	3	easier	easy	ADJ
ajfti-2557	70	4	and	and	CCONJ
ajfti-2557	70	5	more	more	ADV
ajfti-2557	70	6	affordable	affordable	ADJ
ajfti-2557	70	7	access	access	NOUN
ajfti-2557	70	8	to	to	ADP
ajfti-2557	70	9	capital	capital	NOUN
ajfti-2557	70	10	and	and	CCONJ
ajfti-2557	70	11	financial	financial	ADJ
ajfti-2557	70	12	management	management	NOUN
ajfti-2557	70	13	tools	tool	NOUN
ajfti-2557	70	14	,	,	PUNCT
ajfti-2557	70	15	fintech	fintech	NOUN
ajfti-2557	70	16	contributes	contribute	VERB
ajfti-2557	70	17	to	to	ADP
ajfti-2557	70	18	the	the	DET
ajfti-2557	70	19	growth	growth	NOUN
ajfti-2557	70	20	and	and	CCONJ
ajfti-2557	70	21	sustainability	sustainability	NOUN
ajfti-2557	70	22	of	of	ADP
ajfti-2557	70	23	smes	sme	NOUN
ajfti-2557	70	24	,	,	PUNCT
ajfti-2557	70	25	which	which	PRON
ajfti-2557	70	26	are	be	AUX
ajfti-2557	70	27	vital	vital	ADJ
ajfti-2557	70	28	drivers	driver	NOUN
ajfti-2557	70	29	of	of	ADP
ajfti-2557	70	30	economic	economic	ADJ
ajfti-2557	70	31	activity	activity	NOUN
ajfti-2557	70	32	and	and	CCONJ
ajfti-2557	70	33	job	job	NOUN
ajfti-2557	70	34	creation	creation	NOUN
ajfti-2557	70	35	in	in	ADP
ajfti-2557	70	36	many	many	ADJ
ajfti-2557	70	37	economies	economy	NOUN
ajfti-2557	70	38	.	.	PUNCT
ajfti-2557	71	1	innovation	innovation	NOUN
ajfti-2557	71	2	and	and	CCONJ
ajfti-2557	71	3	competition	competition	NOUN
ajfti-2557	71	4	in	in	ADP
ajfti-2557	71	5	financial	financial	ADJ
ajfti-2557	71	6	services	service	NOUN
ajfti-2557	71	7	fintech	fintech	NOUN
ajfti-2557	71	8	has	have	AUX
ajfti-2557	71	9	spurred	spur	VERB
ajfti-2557	71	10	greater	great	ADJ
ajfti-2557	71	11	competition	competition	NOUN
ajfti-2557	71	12	and	and	CCONJ
ajfti-2557	71	13	innovation	innovation	NOUN
ajfti-2557	71	14	within	within	ADP
ajfti-2557	71	15	the	the	DET
ajfti-2557	71	16	financial	financial	ADJ
ajfti-2557	71	17	services	service	NOUN
ajfti-2557	71	18	sector	sector	NOUN
ajfti-2557	71	19	,	,	PUNCT
ajfti-2557	71	20	challenging	challenge	VERB
ajfti-2557	71	21	traditional	traditional	ADJ
ajfti-2557	71	22	institutions	institution	NOUN
ajfti-2557	71	23	to	to	PART
ajfti-2557	71	24	improve	improve	VERB
ajfti-2557	71	25	their	their	PRON
ajfti-2557	71	26	offerings	offering	NOUN
ajfti-2557	71	27	and	and	CCONJ
ajfti-2557	71	28	deliver	deliver	VERB
ajfti-2557	71	29	more	more	ADJ
ajfti-2557	71	30	value	value	NOUN
ajfti-2557	71	31	to	to	ADP
ajfti-2557	71	32	customers	customer	NOUN
ajfti-2557	71	33	.	.	PUNCT
ajfti-2557	72	1	this	this	DET
ajfti-2557	72	2	competition	competition	NOUN
ajfti-2557	72	3	leads	lead	VERB
ajfti-2557	72	4	to	to	ADP
ajfti-2557	72	5	better	well	ADJ
ajfti-2557	72	6	products	product	NOUN
ajfti-2557	72	7	,	,	PUNCT
ajfti-2557	72	8	lower	low	ADJ
ajfti-2557	72	9	costs	cost	NOUN
ajfti-2557	72	10	,	,	PUNCT
ajfti-2557	72	11	and	and	CCONJ
ajfti-2557	72	12	increased	increase	VERB
ajfti-2557	72	13	accessibility	accessibility	NOUN
ajfti-2557	72	14	,	,	PUNCT
ajfti-2557	72	15	ultimately	ultimately	ADV
ajfti-2557	72	16	benefiting	benefit	VERB
ajfti-2557	72	17	consumers	consumer	NOUN
ajfti-2557	72	18	and	and	CCONJ
ajfti-2557	72	19	businesses	business	NOUN
ajfti-2557	72	20	.	.	PUNCT
ajfti-2557	73	1	the	the	DET
ajfti-2557	73	2	rise	rise	NOUN
ajfti-2557	73	3	of	of	ADP
ajfti-2557	73	4	fintech	fintech	NOUN
ajfti-2557	73	5	has	have	AUX
ajfti-2557	73	6	also	also	ADV
ajfti-2557	73	7	encouraged	encourage	VERB
ajfti-2557	73	8	traditional	traditional	ADJ
ajfti-2557	73	9	financial	financial	ADJ
ajfti-2557	73	10	institutions	institution	NOUN
ajfti-2557	73	11	to	to	PART
ajfti-2557	73	12	innovate	innovate	VERB
ajfti-2557	73	13	and	and	CCONJ
ajfti-2557	73	14	modernize	modernize	VERB
ajfti-2557	73	15	their	their	PRON
ajfti-2557	73	16	operations	operation	NOUN
ajfti-2557	73	17	,	,	PUNCT
ajfti-2557	73	18	thus	thus	ADV
ajfti-2557	73	19	fostering	foster	VERB
ajfti-2557	73	20	a	a	DET
ajfti-2557	73	21	more	more	ADV
ajfti-2557	73	22	dynamic	dynamic	ADJ
ajfti-2557	73	23	and	and	CCONJ
ajfti-2557	73	24	customer	customer	NOUN
ajfti-2557	73	25	-	-	PUNCT
ajfti-2557	73	26	oriented	orient	VERB
ajfti-2557	73	27	financial	financial	ADJ
ajfti-2557	73	28	landscape	landscape	NOUN
ajfti-2557	73	29	(	(	PUNCT
ajfti-2557	73	30	sheng	sheng	NOUN
ajfti-2557	73	31	,	,	PUNCT
ajfti-2557	73	32	2021	2021	NUM
ajfti-2557	73	33	)	)	PUNCT
ajfti-2557	73	34	.	.	PUNCT
ajfti-2557	74	1	economic	economic	ADJ
ajfti-2557	74	2	resilience	resilience	NOUN
ajfti-2557	74	3	and	and	CCONJ
ajfti-2557	74	4	risk	risk	NOUN
ajfti-2557	74	5	management	management	NOUN
ajfti-2557	74	6	fintech	fintech	NOUN
ajfti-2557	74	7	solutions	solution	NOUN
ajfti-2557	74	8	contribute	contribute	VERB
ajfti-2557	74	9	to	to	ADP
ajfti-2557	74	10	enhanced	enhance	VERB
ajfti-2557	74	11	economic	economic	ADJ
ajfti-2557	74	12	resilience	resilience	NOUN
ajfti-2557	74	13	by	by	ADP
ajfti-2557	74	14	enabling	enable	VERB
ajfti-2557	74	15	better	well	ADJ
ajfti-2557	74	16	risk	risk	NOUN
ajfti-2557	74	17	assessment	assessment	NOUN
ajfti-2557	74	18	,	,	PUNCT
ajfti-2557	74	19	management	management	NOUN
ajfti-2557	74	20	,	,	PUNCT
ajfti-2557	74	21	and	and	CCONJ
ajfti-2557	74	22	mitigation	mitigation	NOUN
ajfti-2557	74	23	.	.	PUNCT
ajfti-2557	75	1	through	through	ADP
ajfti-2557	75	2	the	the	DET
ajfti-2557	75	3	use	use	NOUN
ajfti-2557	75	4	of	of	ADP
ajfti-2557	75	5	advanced	advanced	ADJ
ajfti-2557	75	6	data	datum	NOUN
ajfti-2557	75	7	analytics	analytic	NOUN
ajfti-2557	75	8	,	,	PUNCT
ajfti-2557	75	9	ai	ai	AUX
ajfti-2557	75	10	-	-	PUNCT
ajfti-2557	75	11	driven	drive	VERB
ajfti-2557	75	12	algorithms	algorithm	NOUN
ajfti-2557	75	13	,	,	PUNCT
ajfti-2557	75	14	and	and	CCONJ
ajfti-2557	75	15	other	other	ADJ
ajfti-2557	75	16	technologies	technology	NOUN
ajfti-2557	75	17	,	,	PUNCT
ajfti-2557	75	18	fintech	fintech	NOUN
ajfti-2557	75	19	firms	firm	NOUN
ajfti-2557	75	20	help	help	AUX
ajfti-2557	75	21	identify	identify	VERB
ajfti-2557	75	22	and	and	CCONJ
ajfti-2557	75	23	address	address	VERB
ajfti-2557	75	24	financial	financial	ADJ
ajfti-2557	75	25	risks	risk	NOUN
ajfti-2557	75	26	more	more	ADV
ajfti-2557	75	27	effectively	effectively	ADV
ajfti-2557	75	28	.	.	PUNCT
ajfti-2557	76	1	this	this	PRON
ajfti-2557	76	2	,	,	PUNCT
ajfti-2557	76	3	in	in	ADP
ajfti-2557	76	4	turn	turn	NOUN
ajfti-2557	76	5	,	,	PUNCT
ajfti-2557	76	6	contributes	contribute	VERB
ajfti-2557	76	7	to	to	ADP
ajfti-2557	76	8	a	a	DET
ajfti-2557	76	9	more	more	ADV
ajfti-2557	76	10	stable	stable	ADJ
ajfti-2557	76	11	and	and	CCONJ
ajfti-2557	76	12	resilient	resilient	ADJ
ajfti-2557	76	13	financial	financial	ADJ
ajfti-2557	76	14	system	system	NOUN
ajfti-2557	76	15	,	,	PUNCT
ajfti-2557	76	16	ultimately	ultimately	ADV
ajfti-2557	76	17	supporting	support	VERB
ajfti-2557	76	18	broader	broad	ADJ
ajfti-2557	76	19	economic	economic	ADJ
ajfti-2557	76	20	stability	stability	NOUN
ajfti-2557	76	21	(	(	PUNCT
ajfti-2557	76	22	nuguer	nuguer	NOUN
ajfti-2557	76	23	,	,	PUNCT
ajfti-2557	76	24	2022	2022	NUM
ajfti-2557	76	25	)	)	PUNCT
ajfti-2557	76	26	.	.	PUNCT
ajfti-2557	77	1	facilitation	facilitation	NOUN
ajfti-2557	77	2	of	of	ADP
ajfti-2557	77	3	cross	cross	ADJ
ajfti-2557	77	4	-	-	ADJ
ajfti-2557	77	5	border	border	ADJ
ajfti-2557	77	6	transactions	transaction	NOUN
ajfti-2557	77	7	and	and	CCONJ
ajfti-2557	77	8	trade	trade	NOUN
ajfti-2557	77	9	fintech	fintech	NOUN
ajfti-2557	77	10	has	have	AUX
ajfti-2557	77	11	streamlined	streamline	VERB
ajfti-2557	77	12	cross	cross	ADJ
ajfti-2557	77	13	-	-	ADJ
ajfti-2557	77	14	border	border	ADJ
ajfti-2557	77	15	payments	payment	NOUN
ajfti-2557	77	16	and	and	CCONJ
ajfti-2557	77	17	trade	trade	NOUN
ajfti-2557	77	18	finance	finance	NOUN
ajfti-2557	77	19	,	,	PUNCT
ajfti-2557	77	20	reducing	reduce	VERB
ajfti-2557	77	21	barriers	barrier	NOUN
ajfti-2557	77	22	and	and	CCONJ
ajfti-2557	77	23	costs	cost	NOUN
ajfti-2557	77	24	associated	associate	VERB
ajfti-2557	77	25	with	with	ADP
ajfti-2557	77	26	international	international	ADJ
ajfti-2557	77	27	transactions	transaction	NOUN
ajfti-2557	77	28	.	.	PUNCT
ajfti-2557	78	1	by	by	ADP
ajfti-2557	78	2	simplifying	simplify	VERB
ajfti-2557	78	3	and	and	CCONJ
ajfti-2557	78	4	accelerating	accelerate	VERB
ajfti-2557	78	5	cross	cross	ADJ
ajfti-2557	78	6	-	-	ADJ
ajfti-2557	78	7	border	border	ADJ
ajfti-2557	78	8	payments	payment	NOUN
ajfti-2557	78	9	and	and	CCONJ
ajfti-2557	78	10	easing	ease	VERB
ajfti-2557	78	11	trade	trade	NOUN
ajfti-2557	78	12	finance	finance	NOUN
ajfti-2557	78	13	processes	process	NOUN
ajfti-2557	78	14	,	,	PUNCT
ajfti-2557	78	15	fintech	fintech	NOUN
ajfti-2557	78	16	contributes	contribute	VERB
ajfti-2557	78	17	to	to	ADP
ajfti-2557	78	18	the	the	DET
ajfti-2557	78	19	expansion	expansion	NOUN
ajfti-2557	78	20	of	of	ADP
ajfti-2557	78	21	global	global	ADJ
ajfti-2557	78	22	trade	trade	PROPN
ajfti-2557	78	23	and	and	CCONJ
ajfti-2557	78	24	commerce	commerce	PROPN
ajfti-2557	78	25	,	,	PUNCT
ajfti-2557	78	26	fostering	foster	VERB
ajfti-2557	78	27	economic	economic	ADJ
ajfti-2557	78	28	growth	growth	NOUN
ajfti-2557	78	29	and	and	CCONJ
ajfti-2557	78	30	international	international	ADJ
ajfti-2557	78	31	cooperation	cooperation	NOUN
ajfti-2557	78	32	(	(	PUNCT
ajfti-2557	78	33	mugabe	mugabe	PROPN
ajfti-2557	78	34	,	,	PUNCT
ajfti-2557	78	35	2021	2021	NUM
ajfti-2557	78	36	)	)	PUNCT
ajfti-2557	78	37	.	.	PUNCT
ajfti-2557	79	1	job	job	NOUN
ajfti-2557	79	2	creation	creation	NOUN
ajfti-2557	79	3	and	and	CCONJ
ajfti-2557	79	4	economic	economic	ADJ
ajfti-2557	79	5	growth	growth	NOUN
ajfti-2557	79	6	the	the	DET
ajfti-2557	79	7	growth	growth	NOUN
ajfti-2557	79	8	of	of	ADP
ajfti-2557	79	9	the	the	DET
ajfti-2557	79	10	fintech	fintech	NOUN
ajfti-2557	79	11	sector	sector	NOUN
ajfti-2557	79	12	itself	itself	PRON
ajfti-2557	79	13	contributes	contribute	VERB
ajfti-2557	79	14	to	to	ADP
ajfti-2557	79	15	job	job	NOUN
ajfti-2557	79	16	creation	creation	NOUN
ajfti-2557	79	17	and	and	CCONJ
ajfti-2557	79	18	economic	economic	ADJ
ajfti-2557	79	19	growth	growth	NOUN
ajfti-2557	79	20	,	,	PUNCT
ajfti-2557	79	21	providing	provide	VERB
ajfti-2557	79	22	employment	employment	NOUN
ajfti-2557	79	23	opportunities	opportunity	NOUN
ajfti-2557	79	24	for	for	ADP
ajfti-2557	79	25	a	a	DET
ajfti-2557	79	26	wide	wide	ADJ
ajfti-2557	79	27	range	range	NOUN
ajfti-2557	79	28	of	of	ADP
ajfti-2557	79	29	professionals	professional	NOUN
ajfti-2557	79	30	,	,	PUNCT
ajfti-2557	79	31	including	include	VERB
ajfti-2557	79	32	software	software	NOUN
ajfti-2557	79	33	developers	developer	NOUN
ajfti-2557	79	34	,	,	PUNCT
ajfti-2557	79	35	data	datum	NOUN
ajfti-2557	79	36	scientists	scientist	NOUN
ajfti-2557	79	37	,	,	PUNCT
ajfti-2557	79	38	financial	financial	ADJ
ajfti-2557	79	39	analysts	analyst	NOUN
ajfti-2557	79	40	,	,	PUNCT
ajfti-2557	79	41	compliance	compliance	NOUN
ajfti-2557	79	42	specialists	specialist	NOUN
ajfti-2557	79	43	,	,	PUNCT
ajfti-2557	79	44	and	and	CCONJ
ajfti-2557	79	45	customer	customer	NOUN
ajfti-2557	79	46	support	support	NOUN
ajfti-2557	79	47	professionals	professional	NOUN
ajfti-2557	79	48	.	.	PUNCT
ajfti-2557	80	1	furthermore	furthermore	ADV
ajfti-2557	80	2	,	,	PUNCT
ajfti-2557	80	3	as	as	SCONJ
ajfti-2557	80	4	fintech	fintech	NOUN
ajfti-2557	80	5	firms	firm	NOUN
ajfti-2557	80	6	serve	serve	VERB
ajfti-2557	80	7	as	as	ADP
ajfti-2557	80	8	enablers	enabler	NOUN
ajfti-2557	80	9	of	of	ADP
ajfti-2557	80	10	economic	economic	ADJ
ajfti-2557	80	11	activity	activity	NOUN
ajfti-2557	80	12	,	,	PUNCT
ajfti-2557	80	13	their	their	PRON
ajfti-2557	80	14	contributions	contribution	NOUN
ajfti-2557	80	15	to	to	ADP
ajfti-2557	80	16	financial	financial	ADJ
ajfti-2557	80	17	inclusion	inclusion	NOUN
ajfti-2557	80	18	,	,	PUNCT
ajfti-2557	80	19	innovation	innovation	NOUN
ajfti-2557	80	20	,	,	PUNCT
ajfti-2557	80	21	and	and	CCONJ
ajfti-2557	80	22	efficiency	efficiency	NOUN
ajfti-2557	80	23	can	can	AUX
ajfti-2557	80	24	have	have	VERB
ajfti-2557	80	25	broader	broad	ADJ
ajfti-2557	80	26	positive	positive	ADJ
ajfti-2557	80	27	impacts	impact	NOUN
ajfti-2557	80	28	on	on	ADP
ajfti-2557	80	29	overall	overall	ADJ
ajfti-2557	80	30	economic	economic	ADJ
ajfti-2557	80	31	growth	growth	NOUN
ajfti-2557	80	32	,	,	PUNCT
ajfti-2557	80	33	productivity	productivity	NOUN
ajfti-2557	80	34	,	,	PUNCT
ajfti-2557	80	35	and	and	CCONJ
ajfti-2557	80	36	prosperity	prosperity	NOUN
ajfti-2557	80	37	(	(	PUNCT
ajfti-2557	80	38	nicole	nicole	PROPN
ajfti-2557	80	39	,	,	PUNCT
ajfti-2557	80	40	2021	2021	NUM
ajfti-2557	80	41	)	)	PUNCT
ajfti-2557	80	42	.	.	PUNCT
ajfti-2557	81	1	overall	overall	ADJ
ajfti-2557	81	2	,	,	PUNCT
ajfti-2557	81	3	fintech	fintech	NOUN
ajfti-2557	81	4	’s	’s	PART
ajfti-2557	81	5	impact	impact	NOUN
ajfti-2557	81	6	on	on	ADP
ajfti-2557	81	7	the	the	DET
ajfti-2557	81	8	economy	economy	NOUN
ajfti-2557	81	9	is	be	AUX
ajfti-2557	81	10	substantial	substantial	ADJ
ajfti-2557	81	11	and	and	CCONJ
ajfti-2557	81	12	multifaceted	multifaceted	ADJ
ajfti-2557	81	13	,	,	PUNCT
ajfti-2557	81	14	encompassing	encompass	VERB
ajfti-2557	81	15	improved	improved	ADJ
ajfti-2557	81	16	financial	financial	ADJ
ajfti-2557	81	17	inclusion	inclusion	NOUN
ajfti-2557	81	18	,	,	PUNCT
ajfti-2557	81	19	increased	increase	VERB
ajfti-2557	81	20	efficiency	efficiency	NOUN
ajfti-2557	81	21	and	and	CCONJ
ajfti-2557	81	22	cost	cost	NOUN
ajfti-2557	81	23	savings	saving	NOUN
ajfti-2557	81	24	,	,	PUNCT
ajfti-2557	81	25	support	support	NOUN
ajfti-2557	81	26	for	for	ADP
ajfti-2557	81	27	smes	sme	NOUN
ajfti-2557	81	28	,	,	PUNCT
ajfti-2557	81	29	innovation	innovation	NOUN
ajfti-2557	81	30	and	and	CCONJ
ajfti-2557	81	31	competition	competition	NOUN
ajfti-2557	81	32	in	in	ADP
ajfti-2557	81	33	financial	financial	ADJ
ajfti-2557	81	34	services	service	NOUN
ajfti-2557	81	35	,	,	PUNCT
ajfti-2557	81	36	economic	economic	ADJ
ajfti-2557	81	37	resilience	resilience	NOUN
ajfti-2557	81	38	,	,	PUNCT
ajfti-2557	81	39	facilitation	facilitation	NOUN
ajfti-2557	81	40	of	of	ADP
ajfti-2557	81	41	cross	cross	ADJ
ajfti-2557	81	42	-	-	ADJ
ajfti-2557	81	43	border	border	ADJ
ajfti-2557	81	44	transactions	transaction	NOUN
ajfti-2557	81	45	,	,	PUNCT
ajfti-2557	81	46	and	and	CCONJ
ajfti-2557	81	47	job	job	NOUN
ajfti-2557	81	48	creation	creation	NOUN
ajfti-2557	81	49	.	.	PUNCT
ajfti-2557	82	1	these	these	DET
ajfti-2557	82	2	contributions	contribution	NOUN
ajfti-2557	82	3	collectively	collectively	ADV
ajfti-2557	82	4	help	help	VERB
ajfti-2557	82	5	drive	drive	VERB
ajfti-2557	82	6	economic	economic	ADJ
ajfti-2557	82	7	development	development	NOUN
ajfti-2557	82	8	,	,	PUNCT
ajfti-2557	82	9	enhance	enhance	VERB
ajfti-2557	82	10	financial	financial	ADJ
ajfti-2557	82	11	stability	stability	NOUN
ajfti-2557	82	12	,	,	PUNCT
ajfti-2557	82	13	and	and	CCONJ
ajfti-2557	82	14	empower	empower	NOUN
ajfti-2557	82	15	individuals	individual	NOUN
ajfti-2557	82	16	and	and	CCONJ
ajfti-2557	82	17	businesses	business	NOUN
ajfti-2557	82	18	to	to	PART
ajfti-2557	82	19	participate	participate	VERB
ajfti-2557	82	20	more	more	ADV
ajfti-2557	82	21	fully	fully	ADV
ajfti-2557	82	22	and	and	CCONJ
ajfti-2557	82	23	effectively	effectively	ADV
ajfti-2557	82	24	in	in	ADP
ajfti-2557	82	25	the	the	DET
ajfti-2557	82	26	modern	modern	ADJ
ajfti-2557	82	27	economy	economy	NOUN
ajfti-2557	82	28	(	(	PUNCT
ajfti-2557	82	29	kireyeva	kireyeva	PROPN
ajfti-2557	82	30	,	,	PUNCT
ajfti-2557	82	31	2021	2021	NUM
ajfti-2557	82	32	)	)	PUNCT
ajfti-2557	82	33	.	.	PUNCT
ajfti-2557	83	1	materials	material	NOUN
ajfti-2557	83	2	&	&	CCONJ
ajfti-2557	83	3	methods	method	NOUN
ajfti-2557	83	4	this	this	DET
ajfti-2557	83	5	section	section	NOUN
ajfti-2557	83	6	is	be	AUX
ajfti-2557	83	7	limited	limit	VERB
ajfti-2557	83	8	to	to	ADP
ajfti-2557	83	9	the	the	DET
ajfti-2557	83	10	materials	material	NOUN
ajfti-2557	83	11	used	use	VERB
ajfti-2557	83	12	for	for	ADP
ajfti-2557	83	13	data	data	NOUN
ajfti-2557	83	14	collection	collection	NOUN
ajfti-2557	83	15	and	and	CCONJ
ajfti-2557	83	16	methods	method	NOUN
ajfti-2557	83	17	used	use	VERB
ajfti-2557	83	18	for	for	ADP
ajfti-2557	83	19	data	data	NOUN
ajfti-2557	83	20	processing	processing	NOUN
ajfti-2557	83	21	and	and	CCONJ
ajfti-2557	83	22	analysis	analysis	NOUN
ajfti-2557	83	23	.	.	PUNCT
ajfti-2557	84	1	the	the	DET
ajfti-2557	84	2	study	study	NOUN
ajfti-2557	84	3	was	be	AUX
ajfti-2557	84	4	limited	limit	VERB
ajfti-2557	84	5	to	to	ADP
ajfti-2557	84	6	a	a	DET
ajfti-2557	84	7	few	few	ADJ
ajfti-2557	84	8	indicators	indicator	NOUN
ajfti-2557	84	9	(	(	PUNCT
ajfti-2557	84	10	see	see	VERB
ajfti-2557	84	11	the	the	DET
ajfti-2557	84	12	conceptual	conceptual	ADJ
ajfti-2557	84	13	framework	framework	NOUN
ajfti-2557	84	14	)	)	PUNCT
ajfti-2557	84	15	and	and	CCONJ
ajfti-2557	84	16	specific	specific	ADJ
ajfti-2557	84	17	methods	method	NOUN
ajfti-2557	84	18	of	of	ADP
ajfti-2557	84	19	data	datum	NOUN
ajfti-2557	84	20	analysis	analysis	NOUN
ajfti-2557	84	21	,	,	PUNCT
ajfti-2557	84	22	mainly	mainly	ADV
ajfti-2557	84	23	a	a	DET
ajfti-2557	84	24	linear	linear	ADJ
ajfti-2557	84	25	regression	regression	NOUN
ajfti-2557	84	26	model	model	NOUN
ajfti-2557	84	27	.	.	PUNCT
ajfti-2557	85	1	research	research	NOUN
ajfti-2557	85	2	design	design	NOUN
ajfti-2557	85	3	this	this	DET
ajfti-2557	85	4	study	study	NOUN
ajfti-2557	85	5	is	be	AUX
ajfti-2557	85	6	a	a	DET
ajfti-2557	85	7	census	census	NOUN
ajfti-2557	85	8	design	design	NOUN
ajfti-2557	85	9	and	and	CCONJ
ajfti-2557	85	10	uses	use	VERB
ajfti-2557	85	11	data	datum	NOUN
ajfti-2557	85	12	representing	represent	VERB
ajfti-2557	85	13	the	the	DET
ajfti-2557	85	14	whole	whole	ADJ
ajfti-2557	85	15	country	country	NOUN
ajfti-2557	85	16	(	(	PUNCT
ajfti-2557	85	17	rwanda	rwanda	PROPN
ajfti-2557	85	18	)	)	PUNCT
ajfti-2557	85	19	;	;	PUNCT
ajfti-2557	85	20	it	it	PRON
ajfti-2557	85	21	is	be	AUX
ajfti-2557	85	22	a	a	DET
ajfti-2557	85	23	descriptive	descriptive	ADJ
ajfti-2557	85	24	design	design	NOUN
ajfti-2557	85	25	as	as	ADP
ajfti-2557	85	26	presenting	present	VERB
ajfti-2557	85	27	data	datum	NOUN
ajfti-2557	85	28	using	use	VERB
ajfti-2557	85	29	descriptive	descriptive	ADJ
ajfti-2557	85	30	statistics	statistic	NOUN
ajfti-2557	85	31	parameters	parameter	NOUN
ajfti-2557	85	32	,	,	PUNCT
ajfti-2557	85	33	and	and	CCONJ
ajfti-2557	85	34	the	the	DET
ajfti-2557	85	35	study	study	NOUN
ajfti-2557	85	36	is	be	AUX
ajfti-2557	85	37	correlative	correlative	ADJ
ajfti-2557	85	38	as	as	ADP
ajfti-2557	85	39	using	use	VERB
ajfti-2557	85	40	a	a	DET
ajfti-2557	85	41	linear	linear	ADJ
ajfti-2557	85	42	regression	regression	NOUN
ajfti-2557	85	43	model	model	NOUN
ajfti-2557	85	44	;	;	PUNCT
ajfti-2557	85	45	the	the	DET
ajfti-2557	85	46	study	study	NOUN
ajfti-2557	85	47	gives	give	VERB
ajfti-2557	85	48	a	a	DET
ajfti-2557	85	49	correlation	correlation	NOUN
ajfti-2557	85	50	between	between	ADP
ajfti-2557	85	51	fintech	fintech	NOUN
ajfti-2557	85	52	and	and	CCONJ
ajfti-2557	85	53	economic	economic	ADJ
ajfti-2557	85	54	growth	growth	NOUN
ajfti-2557	85	55	and	and	CCONJ
ajfti-2557	85	56	development	development	NOUN
ajfti-2557	85	57	of	of	ADP
ajfti-2557	85	58	rwanda	rwanda	PROPN
ajfti-2557	85	59	.	.	PUNCT
ajfti-2557	86	1	reserch	reserch	NOUN
ajfti-2557	86	2	design	design	NOUN
ajfti-2557	86	3	of	of	ADP
ajfti-2557	86	4	investigate	investigate	ADJ
ajfti-2557	86	5	plan	plan	NOUN
ajfti-2557	86	6	alludes	allude	VERB
ajfti-2557	86	7	to	to	ADP
ajfti-2557	86	8	the	the	DET
ajfti-2557	86	9	generally	generally	ADJ
ajfti-2557	86	10	procedure	procedure	NOUN
ajfti-2557	86	11	that	that	PRON
ajfti-2557	86	12	you	you	PRON
ajfti-2557	86	13	select	select	VERB
ajfti-2557	86	14	to	to	PART
ajfti-2557	86	15	coordinated	coordinate	VERB
ajfti-2557	86	16	the	the	DET
ajfti-2557	86	17	distinctive	distinctive	ADJ
ajfti-2557	86	18	components	component	NOUN
ajfti-2557	86	19	to	to	PART
ajfti-2557	86	20	consider	consider	VERB
ajfti-2557	86	21	in	in	ADP
ajfti-2557	86	22	a	a	DET
ajfti-2557	86	23	coherent	coherent	ADJ
ajfti-2557	86	24	and	and	CCONJ
ajfti-2557	86	25	coherent	coherent	ADJ
ajfti-2557	86	26	way	way	NOUN
ajfti-2557	86	27	,	,	PUNCT
ajfti-2557	86	28	subsequently	subsequently	ADV
ajfti-2557	86	29	,	,	PUNCT
ajfti-2557	86	30	guaranteeing	guarantee	VERB
ajfti-2557	86	31	you	you	PRON
ajfti-2557	86	32	may	may	AUX
ajfti-2557	86	33	viably	viably	ADV
ajfti-2557	86	34	address	address	VERB
ajfti-2557	86	35	the	the	DET
ajfti-2557	86	36	investigate	investigate	ADJ
ajfti-2557	86	37	issue	issue	NOUN
ajfti-2557	86	38	;	;	PUNCT
ajfti-2557	86	39	it	it	PRON
ajfti-2557	86	40	constitutes	constitute	VERB
ajfti-2557	86	41	the	the	DET
ajfti-2557	86	42	outline	outline	NOUN
ajfti-2557	86	43	for	for	ADP
ajfti-2557	86	44	the	the	DET
ajfti-2557	86	45	collection	collection	NOUN
ajfti-2557	86	46	,	,	PUNCT
ajfti-2557	86	47	estimation	estimation	NOUN
ajfti-2557	86	48	,	,	PUNCT
ajfti-2557	86	49	and	and	CCONJ
ajfti-2557	86	50	investigation	investigation	NOUN
ajfti-2557	86	51	of	of	ADP
ajfti-2557	86	52	information	information	NOUN
ajfti-2557	86	53	.	.	PUNCT
ajfti-2557	87	1	population	population	NOUN
ajfti-2557	87	2	and	and	CCONJ
ajfti-2557	87	3	sampling	sample	VERB
ajfti-2557	87	4	the	the	DET
ajfti-2557	87	5	population	population	NOUN
ajfti-2557	87	6	of	of	ADP
ajfti-2557	87	7	the	the	DET
ajfti-2557	87	8	study	study	NOUN
ajfti-2557	87	9	is	be	AUX
ajfti-2557	87	10	not	not	PART
ajfti-2557	87	11	limited	limit	VERB
ajfti-2557	87	12	as	as	SCONJ
ajfti-2557	87	13	this	this	DET
ajfti-2557	87	14	study	study	NOUN
ajfti-2557	87	15	covers	cover	VERB
ajfti-2557	87	16	whole	whole	ADJ
ajfti-2557	87	17	fintech	fintech	NOUN
ajfti-2557	87	18	services	service	NOUN
ajfti-2557	87	19	contributing	contribute	VERB
ajfti-2557	87	20	in	in	ADP
ajfti-2557	87	21	gross	gross	ADJ
ajfti-2557	87	22	domestic	domestic	ADJ
ajfti-2557	87	23	product	product	NOUN
ajfti-2557	87	24	(	(	PUNCT
ajfti-2557	87	25	gdp	gdp	NOUN
ajfti-2557	87	26	)	)	PUNCT
ajfti-2557	87	27	of	of	ADP
ajfti-2557	87	28	the	the	DET
ajfti-2557	87	29	country	country	NOUN
ajfti-2557	87	30	.	.	PUNCT
ajfti-2557	88	1	and	and	CCONJ
ajfti-2557	88	2	all	all	DET
ajfti-2557	88	3	pa	pa	PROPN
ajfti-2557	88	4	ge	ge	PROPN
ajfti-2557	88	5	28	28	NUM
ajfti-2557	88	6	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	PROPN
ajfti-2557	88	7	am	be	AUX
ajfti-2557	88	8	.	.	PUNCT
ajfti-2557	89	1	j.	j.	PROPN
ajfti-2557	89	2	financ	financ	PROPN
ajfti-2557	89	3	.	.	PUNCT
ajfti-2557	90	1	technol	technol	PROPN
ajfti-2557	90	2	.	.	PUNCT
ajfti-2557	90	3	innov	innov	PROPN
ajfti-2557	90	4	.	.	PUNCT
ajfti-2557	91	1	2(1	2(1	NUM
ajfti-2557	91	2	)	)	PUNCT
ajfti-2557	92	1	25	25	NUM
ajfti-2557	92	2	-	-	SYM
ajfti-2557	92	3	32	32	NUM
ajfti-2557	92	4	,	,	PUNCT
ajfti-2557	92	5	2024	2024	NUM
ajfti-2557	92	6	economic	economic	ADJ
ajfti-2557	92	7	activities	activity	NOUN
ajfti-2557	92	8	under	under	ADP
ajfti-2557	92	9	financial	financial	ADJ
ajfti-2557	92	10	sector	sector	NOUN
ajfti-2557	92	11	contributing	contribute	VERB
ajfti-2557	92	12	in	in	ADP
ajfti-2557	92	13	rwanda	rwanda	PROPN
ajfti-2557	92	14	gdp	gdp	PROPN
ajfti-2557	92	15	.	.	PUNCT
ajfti-2557	93	1	in	in	ADP
ajfti-2557	93	2	other	other	ADJ
ajfti-2557	93	3	case	case	NOUN
ajfti-2557	93	4	for	for	ADP
ajfti-2557	93	5	economic	economic	ADJ
ajfti-2557	93	6	development	development	NOUN
ajfti-2557	93	7	,	,	PUNCT
ajfti-2557	93	8	the	the	DET
ajfti-2557	93	9	human	human	PROPN
ajfti-2557	93	10	development	development	NOUN
ajfti-2557	93	11	index	index	NOUN
ajfti-2557	93	12	was	be	AUX
ajfti-2557	93	13	considered	consider	VERB
ajfti-2557	93	14	to	to	PART
ajfti-2557	93	15	represent	represent	VERB
ajfti-2557	93	16	this	this	DET
ajfti-2557	93	17	indicator	indicator	NOUN
ajfti-2557	93	18	and	and	CCONJ
ajfti-2557	93	19	was	be	AUX
ajfti-2557	93	20	taken	take	VERB
ajfti-2557	93	21	to	to	ADP
ajfti-2557	93	22	all	all	DET
ajfti-2557	93	23	rwandans	rwandan	NOUN
ajfti-2557	93	24	.	.	PUNCT
ajfti-2557	94	1	conceptual	conceptual	ADJ
ajfti-2557	94	2	framework	framework	NOUN
ajfti-2557	94	3	of	of	ADP
ajfti-2557	94	4	the	the	DET
ajfti-2557	94	5	study	study	NOUN
ajfti-2557	94	6	figure	figure	NOUN
ajfti-2557	94	7	1	1	NUM
ajfti-2557	94	8	:	:	PUNCT
ajfti-2557	94	9	conceptual	conceptual	ADJ
ajfti-2557	94	10	framework	framework	NOUN
ajfti-2557	94	11	data	datum	NOUN
ajfti-2557	94	12	collection	collection	NOUN
ajfti-2557	94	13	tools	tool	NOUN
ajfti-2557	94	14	and	and	CCONJ
ajfti-2557	94	15	treatment	treatment	NOUN
ajfti-2557	94	16	the	the	DET
ajfti-2557	94	17	current	current	ADJ
ajfti-2557	94	18	study	study	NOUN
ajfti-2557	94	19	relay	relay	NOUN
ajfti-2557	94	20	only	only	ADV
ajfti-2557	94	21	on	on	ADP
ajfti-2557	94	22	secondary	secondary	ADJ
ajfti-2557	94	23	data	datum	NOUN
ajfti-2557	94	24	collection	collection	NOUN
ajfti-2557	94	25	and	and	CCONJ
ajfti-2557	94	26	analysis	analysis	NOUN
ajfti-2557	94	27	.	.	PUNCT
ajfti-2557	95	1	the	the	DET
ajfti-2557	95	2	secondary	secondary	ADJ
ajfti-2557	95	3	data	datum	NOUN
ajfti-2557	95	4	used	use	VERB
ajfti-2557	95	5	are	be	AUX
ajfti-2557	95	6	both	both	PRON
ajfti-2557	95	7	quantitative	quantitative	ADJ
ajfti-2557	95	8	and	and	CCONJ
ajfti-2557	95	9	qualitative	qualitative	NOUN
ajfti-2557	95	10	.	.	PUNCT
ajfti-2557	96	1	qualitative	qualitative	ADJ
ajfti-2557	96	2	secondary	secondary	ADJ
ajfti-2557	96	3	data	datum	NOUN
ajfti-2557	96	4	was	be	AUX
ajfti-2557	96	5	collected	collect	VERB
ajfti-2557	96	6	as	as	ADP
ajfti-2557	96	7	literature	literature	NOUN
ajfti-2557	96	8	of	of	ADP
ajfti-2557	96	9	this	this	DET
ajfti-2557	96	10	study	study	NOUN
ajfti-2557	96	11	and	and	CCONJ
ajfti-2557	96	12	quantitative	quantitative	ADJ
ajfti-2557	96	13	data	datum	NOUN
ajfti-2557	96	14	were	be	AUX
ajfti-2557	96	15	collected	collect	VERB
ajfti-2557	96	16	as	as	ADP
ajfti-2557	96	17	values	value	NOUN
ajfti-2557	96	18	obtained	obtain	VERB
ajfti-2557	96	19	while	while	SCONJ
ajfti-2557	96	20	measuring	measure	VERB
ajfti-2557	96	21	the	the	DET
ajfti-2557	96	22	indicators	indicator	NOUN
ajfti-2557	96	23	in	in	ADP
ajfti-2557	96	24	the	the	DET
ajfti-2557	96	25	conceptual	conceptual	ADJ
ajfti-2557	96	26	framework	framework	NOUN
ajfti-2557	96	27	of	of	ADP
ajfti-2557	96	28	the	the	DET
ajfti-2557	96	29	study	study	NOUN
ajfti-2557	96	30	.	.	PUNCT
ajfti-2557	97	1	the	the	DET
ajfti-2557	97	2	main	main	ADJ
ajfti-2557	97	3	report	report	NOUN
ajfti-2557	97	4	visited	visit	VERB
ajfti-2557	97	5	to	to	PART
ajfti-2557	97	6	obtain	obtain	VERB
ajfti-2557	97	7	quantitative	quantitative	ADJ
ajfti-2557	97	8	secondary	secondary	ADJ
ajfti-2557	97	9	data	datum	NOUN
ajfti-2557	97	10	is	be	AUX
ajfti-2557	97	11	the	the	DET
ajfti-2557	97	12	rwanda	rwanda	PROPN
ajfti-2557	97	13	national	national	PROPN
ajfti-2557	97	14	account	account	PROPN
ajfti-2557	97	15	reports	report	NOUN
ajfti-2557	97	16	of	of	ADP
ajfti-2557	97	17	national	national	PROPN
ajfti-2557	97	18	institute	institute	PROPN
ajfti-2557	97	19	of	of	ADP
ajfti-2557	97	20	statistics	statistic	NOUN
ajfti-2557	97	21	(	(	PUNCT
ajfti-2557	97	22	nisr	nisr	NOUN
ajfti-2557	97	23	)	)	PUNCT
ajfti-2557	97	24	,	,	PUNCT
ajfti-2557	97	25	the	the	DET
ajfti-2557	97	26	global	global	ADJ
ajfti-2557	97	27	economy	economy	NOUN
ajfti-2557	97	28	portal	portal	PROPN
ajfti-2557	97	29	and	and	CCONJ
ajfti-2557	97	30	world	world	PROPN
ajfti-2557	97	31	bank	bank	PROPN
ajfti-2557	97	32	statistics	statistics	PROPN
ajfti-2557	97	33	portal	portal	PROPN
ajfti-2557	97	34	.	.	PUNCT
ajfti-2557	98	1	all	all	DET
ajfti-2557	98	2	information	information	NOUN
ajfti-2557	98	3	used	use	VERB
ajfti-2557	98	4	are	be	AUX
ajfti-2557	98	5	for	for	ADP
ajfti-2557	98	6	the	the	DET
ajfti-2557	98	7	year	year	NOUN
ajfti-2557	98	8	2018	2018	NUM
ajfti-2557	98	9	to	to	ADP
ajfti-2557	98	10	2023	2023	NUM
ajfti-2557	98	11	and	and	CCONJ
ajfti-2557	98	12	for	for	ADP
ajfti-2557	98	13	some	some	DET
ajfti-2557	98	14	indicators	indicator	NOUN
ajfti-2557	98	15	where	where	SCONJ
ajfti-2557	98	16	2023	2023	NUM
ajfti-2557	98	17	was	be	AUX
ajfti-2557	98	18	not	not	PART
ajfti-2557	98	19	reported	report	VERB
ajfti-2557	98	20	,	,	PUNCT
ajfti-2557	98	21	the	the	DET
ajfti-2557	98	22	change	change	NOUN
ajfti-2557	98	23	between	between	ADP
ajfti-2557	98	24	2021	2021	NUM
ajfti-2557	98	25	to	to	ADP
ajfti-2557	98	26	2022	2022	NUM
ajfti-2557	98	27	was	be	AUX
ajfti-2557	98	28	assumed	assume	VERB
ajfti-2557	98	29	to	to	PART
ajfti-2557	98	30	be	be	AUX
ajfti-2557	98	31	the	the	DET
ajfti-2557	98	32	same	same	ADJ
ajfti-2557	98	33	change	change	NOUN
ajfti-2557	98	34	for	for	ADP
ajfti-2557	98	35	the	the	DET
ajfti-2557	98	36	year	year	NOUN
ajfti-2557	98	37	2022	2022	NUM
ajfti-2557	98	38	to	to	ADP
ajfti-2557	98	39	2023	2023	NUM
ajfti-2557	98	40	.	.	PUNCT
ajfti-2557	99	1	data	datum	NOUN
ajfti-2557	99	2	analysis	analysis	NOUN
ajfti-2557	99	3	data	datum	NOUN
ajfti-2557	99	4	analysis	analysis	NOUN
ajfti-2557	99	5	was	be	AUX
ajfti-2557	99	6	performed	perform	VERB
ajfti-2557	99	7	using	use	VERB
ajfti-2557	99	8	both	both	CCONJ
ajfti-2557	99	9	descriptive	descriptive	ADJ
ajfti-2557	99	10	and	and	CCONJ
ajfti-2557	99	11	inferential	inferential	ADJ
ajfti-2557	99	12	statistics	statistic	NOUN
ajfti-2557	99	13	.	.	PUNCT
ajfti-2557	100	1	descriptive	descriptive	ADJ
ajfti-2557	100	2	statistics	statistic	NOUN
ajfti-2557	100	3	were	be	AUX
ajfti-2557	100	4	made	make	VERB
ajfti-2557	100	5	by	by	ADP
ajfti-2557	100	6	presenting	present	VERB
ajfti-2557	100	7	indicators	indicator	NOUN
ajfti-2557	100	8	in	in	ADP
ajfti-2557	100	9	their	their	PRON
ajfti-2557	100	10	actual	actual	ADJ
ajfti-2557	100	11	units	unit	NOUN
ajfti-2557	100	12	from	from	ADP
ajfti-2557	100	13	the	the	DET
ajfti-2557	100	14	original	original	ADJ
ajfti-2557	100	15	reports	report	NOUN
ajfti-2557	100	16	and	and	CCONJ
ajfti-2557	100	17	modifications	modification	NOUN
ajfti-2557	100	18	to	to	ADP
ajfti-2557	100	19	the	the	DET
ajfti-2557	100	20	growth	growth	NOUN
ajfti-2557	100	21	rates	rate	NOUN
ajfti-2557	100	22	to	to	PART
ajfti-2557	100	23	ensure	ensure	VERB
ajfti-2557	100	24	that	that	SCONJ
ajfti-2557	100	25	,	,	PUNCT
ajfti-2557	100	26	data	datum	NOUN
ajfti-2557	100	27	are	be	AUX
ajfti-2557	100	28	in	in	ADP
ajfti-2557	100	29	the	the	DET
ajfti-2557	100	30	same	same	ADJ
ajfti-2557	100	31	format	format	NOUN
ajfti-2557	100	32	for	for	ADP
ajfti-2557	100	33	easy	easy	ADJ
ajfti-2557	100	34	analysis	analysis	NOUN
ajfti-2557	100	35	.	.	PUNCT
ajfti-2557	101	1	meaning	mean	VERB
ajfti-2557	101	2	that	that	SCONJ
ajfti-2557	101	3	,	,	PUNCT
ajfti-2557	101	4	the	the	DET
ajfti-2557	101	5	information	information	NOUN
ajfti-2557	101	6	presented	present	VERB
ajfti-2557	101	7	use	use	VERB
ajfti-2557	101	8	descriptive	descriptive	ADJ
ajfti-2557	101	9	statistical	statistical	ADJ
ajfti-2557	101	10	parameters	parameter	NOUN
ajfti-2557	101	11	like	like	ADP
ajfti-2557	101	12	numbers	number	NOUN
ajfti-2557	101	13	and	and	CCONJ
ajfti-2557	101	14	growth	growth	NOUN
ajfti-2557	101	15	rates	rate	NOUN
ajfti-2557	101	16	.	.	PUNCT
ajfti-2557	102	1	for	for	ADP
ajfti-2557	102	2	inferential	inferential	ADJ
ajfti-2557	102	3	statistics	statistic	NOUN
ajfti-2557	102	4	,	,	PUNCT
ajfti-2557	102	5	the	the	DET
ajfti-2557	102	6	multilinear	multilinear	PROPN
ajfti-2557	102	7	regression	regression	NOUN
ajfti-2557	102	8	equation	equation	NOUN
ajfti-2557	102	9	[	[	X
ajfti-2557	102	10	2	2	NUM
ajfti-2557	102	11	]	]	PUNCT
ajfti-2557	102	12	assumed	assume	VERB
ajfti-2557	102	13	the	the	DET
ajfti-2557	102	14	following	follow	VERB
ajfti-2557	102	15	form	form	NOUN
ajfti-2557	102	16	:	:	PUNCT
ajfti-2557	102	17	ŷ1&2=	ŷ1&2=	PROPN
ajfti-2557	103	1	β0	β0	PROPN
ajfti-2557	103	2	+	+	CCONJ
ajfti-2557	103	3	β1x1	β1x1	PUNCT
ajfti-2557	103	4	+	+	NUM
ajfti-2557	103	5	β2x2	β2x2	PUNCT
ajfti-2557	103	6	+	+	CCONJ
ajfti-2557	103	7	β3x3	β3x3	PUNCT
ajfti-2557	103	8	+	+	CCONJ
ajfti-2557	103	9	ε	ε	PROPN
ajfti-2557	103	10	.	.	PROPN
ajfti-2557	103	11	where	where	SCONJ
ajfti-2557	103	12	:	:	PUNCT
ajfti-2557	103	13	ŷ1&2	ŷ1&2	X
ajfti-2557	104	1	=	=	PUNCT
ajfti-2557	104	2	economic	economic	ADJ
ajfti-2557	104	3	growth	growth	NOUN
ajfti-2557	104	4	and	and	CCONJ
ajfti-2557	104	5	development	development	NOUN
ajfti-2557	104	6	indicators	indicator	NOUN
ajfti-2557	104	7	by	by	ADP
ajfti-2557	104	8	2	2	NUM
ajfti-2557	104	9	indicators	indicator	NOUN
ajfti-2557	104	10	such	such	ADJ
ajfti-2557	104	11	as	as	ADP
ajfti-2557	104	12	;	;	PUNCT
ajfti-2557	104	13	gdp	gdp	NOUN
ajfti-2557	104	14	growth	growth	NOUN
ajfti-2557	104	15	per	per	ADP
ajfti-2557	104	16	capita	capita	NOUN
ajfti-2557	104	17	rate	rate	NOUN
ajfti-2557	104	18	and	and	CCONJ
ajfti-2557	104	19	human	human	PROPN
ajfti-2557	104	20	development	development	NOUN
ajfti-2557	104	21	index	index	NOUN
ajfti-2557	104	22	.	.	PUNCT
ajfti-2557	105	1	β0	β0	NOUN
ajfti-2557	105	2	=	=	PUNCT
ajfti-2557	105	3	constant	constant	ADJ
ajfti-2557	105	4	,	,	PUNCT
ajfti-2557	105	5	x1	x1	NOUN
ajfti-2557	105	6	=	=	NOUN
ajfti-2557	105	7	growth	growth	NOUN
ajfti-2557	105	8	of	of	ADP
ajfti-2557	105	9	information	information	NOUN
ajfti-2557	105	10	communication	communication	NOUN
ajfti-2557	105	11	and	and	CCONJ
ajfti-2557	105	12	telecommunication	telecommunication	NOUN
ajfti-2557	105	13	,	,	PUNCT
ajfti-2557	105	14	x2	x2	PROPN
ajfti-2557	105	15	=	=	PUNCT
ajfti-2557	106	1	increase	increase	NOUN
ajfti-2557	106	2	of	of	ADP
ajfti-2557	106	3	mobile	mobile	ADJ
ajfti-2557	106	4	money	money	NOUN
ajfti-2557	106	5	subscribers	subscriber	NOUN
ajfti-2557	106	6	in	in	ADP
ajfti-2557	106	7	rwanda	rwanda	PROPN
ajfti-2557	106	8	,	,	PUNCT
ajfti-2557	106	9	x3	x3	NOUN
ajfti-2557	106	10	=	=	PUNCT
ajfti-2557	106	11	growth	growth	NOUN
ajfti-2557	106	12	of	of	ADP
ajfti-2557	106	13	number	number	NOUN
ajfti-2557	106	14	of	of	ADP
ajfti-2557	106	15	fintech	fintech	NOUN
ajfti-2557	106	16	start	start	NOUN
ajfti-2557	106	17	-	-	PUNCT
ajfti-2557	106	18	ups	up	NOUN
ajfti-2557	106	19	in	in	ADP
ajfti-2557	106	20	rwanda	rwanda	PROPN
ajfti-2557	106	21	,	,	PUNCT
ajfti-2557	106	22	and	and	CCONJ
ajfti-2557	106	23	β1	β1	PROPN
ajfti-2557	106	24	,	,	PUNCT
ajfti-2557	106	25	2	2	NUM
ajfti-2557	106	26	,	,	PUNCT
ajfti-2557	106	27	&	&	CCONJ
ajfti-2557	106	28	3	3	NUM
ajfti-2557	106	29	=	=	NOUN
ajfti-2557	106	30	slopes	slope	NOUN
ajfti-2557	106	31	associated	associate	VERB
ajfti-2557	106	32	with	with	ADP
ajfti-2557	106	33	x1	x1	PROPN
ajfti-2557	106	34	,	,	PUNCT
ajfti-2557	106	35	x2	x2	PROPN
ajfti-2557	106	36	,	,	PUNCT
ajfti-2557	106	37	and	and	CCONJ
ajfti-2557	106	38	x3	x3	ADJ
ajfti-2557	106	39	,	,	PUNCT
ajfti-2557	106	40	respectively	respectively	ADV
ajfti-2557	106	41	.	.	PUNCT
ajfti-2557	107	1	while	while	SCONJ
ajfti-2557	107	2	ε	ε	PROPN
ajfti-2557	107	3	=	=	SYM
ajfti-2557	107	4	error	error	NOUN
ajfti-2557	107	5	term	term	NOUN
ajfti-2557	107	6	or	or	CCONJ
ajfti-2557	107	7	the	the	DET
ajfti-2557	107	8	random	random	ADJ
ajfti-2557	107	9	disturbance	disturbance	NOUN
ajfti-2557	107	10	term	term	NOUN
ajfti-2557	107	11	.	.	PUNCT
ajfti-2557	108	1	study	study	NOUN
ajfti-2557	108	2	null	null	ADJ
ajfti-2557	108	3	hypothesis	hypothesis	NOUN
ajfti-2557	108	4	there	there	PRON
ajfti-2557	108	5	is	be	VERB
ajfti-2557	108	6	no	no	DET
ajfti-2557	108	7	significant	significant	ADJ
ajfti-2557	108	8	role	role	NOUN
ajfti-2557	108	9	of	of	ADP
ajfti-2557	108	10	fintech	fintech	NOUN
ajfti-2557	108	11	in	in	ADP
ajfti-2557	108	12	the	the	DET
ajfti-2557	108	13	economic	economic	ADJ
ajfti-2557	108	14	growth	growth	NOUN
ajfti-2557	108	15	and	and	CCONJ
ajfti-2557	108	16	development	development	NOUN
ajfti-2557	108	17	in	in	ADP
ajfti-2557	108	18	rwanda	rwanda	PROPN
ajfti-2557	108	19	.	.	PUNCT
ajfti-2557	109	1	results	result	NOUN
ajfti-2557	109	2	&	&	CCONJ
ajfti-2557	109	3	discussion	discussion	NOUN
ajfti-2557	109	4	results	result	NOUN
ajfti-2557	109	5	were	be	AUX
ajfti-2557	109	6	made	make	VERB
ajfti-2557	109	7	in	in	ADP
ajfti-2557	109	8	form	form	NOUN
ajfti-2557	109	9	of	of	ADP
ajfti-2557	109	10	descriptive	descriptive	ADJ
ajfti-2557	109	11	and	and	CCONJ
ajfti-2557	109	12	inferential	inferential	ADJ
ajfti-2557	109	13	statistics	statistic	NOUN
ajfti-2557	109	14	per	per	ADP
ajfti-2557	109	15	each	each	DET
ajfti-2557	109	16	indicator	indicator	NOUN
ajfti-2557	109	17	as	as	SCONJ
ajfti-2557	109	18	defined	define	VERB
ajfti-2557	109	19	in	in	ADP
ajfti-2557	109	20	the	the	DET
ajfti-2557	109	21	conceptual	conceptual	ADJ
ajfti-2557	109	22	framework	framework	NOUN
ajfti-2557	109	23	.	.	PUNCT
ajfti-2557	110	1	table	table	NOUN
ajfti-2557	110	2	1	1	NUM
ajfti-2557	110	3	and	and	CCONJ
ajfti-2557	110	4	figure	figure	VERB
ajfti-2557	110	5	2	2	NUM
ajfti-2557	110	6	show	show	VERB
ajfti-2557	110	7	that	that	SCONJ
ajfti-2557	110	8	gdp	gdp	NOUN
ajfti-2557	110	9	per	per	ADP
ajfti-2557	110	10	head	head	NOUN
ajfti-2557	110	11	or	or	CCONJ
ajfti-2557	110	12	per	per	ADP
ajfti-2557	110	13	capita	capita	NOUN
ajfti-2557	110	14	was	be	AUX
ajfti-2557	110	15	increased	increase	VERB
ajfti-2557	110	16	from	from	ADP
ajfti-2557	110	17	2017	2017	NUM
ajfti-2557	110	18	to	to	ADP
ajfti-2557	110	19	2018	2018	NUM
ajfti-2557	110	20	at	at	ADP
ajfti-2557	110	21	5	5	NUM
ajfti-2557	110	22	%	%	NOUN
ajfti-2557	110	23	and	and	CCONJ
ajfti-2557	110	24	reduced	reduce	VERB
ajfti-2557	110	25	to	to	ADP
ajfti-2557	110	26	2020	2020	NUM
ajfti-2557	110	27	by	by	ADP
ajfti-2557	110	28	4	4	NUM
ajfti-2557	110	29	%	%	NOUN
ajfti-2557	110	30	due	due	ADP
ajfti-2557	110	31	to	to	ADP
ajfti-2557	110	32	the	the	DET
ajfti-2557	110	33	high	high	ADJ
ajfti-2557	110	34	increase	increase	NOUN
ajfti-2557	110	35	in	in	ADP
ajfti-2557	110	36	value	value	NOUN
ajfti-2557	110	37	of	of	ADP
ajfti-2557	110	38	dollar	dollar	NOUN
ajfti-2557	110	39	because	because	SCONJ
ajfti-2557	110	40	in	in	ADP
ajfti-2557	110	41	local	local	ADJ
ajfti-2557	110	42	currency	currency	NOUN
ajfti-2557	110	43	it	it	PRON
ajfti-2557	110	44	was	be	AUX
ajfti-2557	110	45	increased	increase	VERB
ajfti-2557	110	46	,	,	PUNCT
ajfti-2557	110	47	and	and	CCONJ
ajfti-2557	110	48	increased	increase	VERB
ajfti-2557	110	49	6	6	NUM
ajfti-2557	110	50	%	%	NOUN
ajfti-2557	110	51	by	by	ADP
ajfti-2557	110	52	2021	2021	NUM
ajfti-2557	110	53	,	,	PUNCT
ajfti-2557	110	54	18	18	NUM
ajfti-2557	110	55	%	%	NOUN
ajfti-2557	110	56	by	by	ADP
ajfti-2557	110	57	2022	2022	NUM
ajfti-2557	110	58	and	and	CCONJ
ajfti-2557	110	59	15	15	NUM
ajfti-2557	110	60	%	%	NOUN
ajfti-2557	110	61	from	from	ADP
ajfti-2557	110	62	2022	2022	NUM
ajfti-2557	110	63	to	to	ADP
ajfti-2557	110	64	2023	2023	NUM
ajfti-2557	110	65	.	.	PUNCT
ajfti-2557	111	1	all	all	DET
ajfti-2557	111	2	these	these	DET
ajfti-2557	111	3	indicators	indicator	NOUN
ajfti-2557	111	4	are	be	AUX
ajfti-2557	111	5	not	not	PART
ajfti-2557	111	6	static	static	ADJ
ajfti-2557	111	7	or	or	CCONJ
ajfti-2557	111	8	changing	change	VERB
ajfti-2557	111	9	in	in	ADP
ajfti-2557	111	10	regular	regular	ADJ
ajfti-2557	111	11	way	way	NOUN
ajfti-2557	111	12	,	,	PUNCT
ajfti-2557	111	13	in	in	ADP
ajfti-2557	111	14	some	some	DET
ajfti-2557	111	15	years	year	NOUN
ajfti-2557	111	16	reduced	reduce	VERB
ajfti-2557	111	17	and	and	CCONJ
ajfti-2557	111	18	in	in	ADP
ajfti-2557	111	19	some	some	DET
ajfti-2557	111	20	other	other	ADJ
ajfti-2557	111	21	years	year	NOUN
ajfti-2557	111	22	increases	increase	VERB
ajfti-2557	111	23	highly	highly	ADV
ajfti-2557	111	24	or	or	CCONJ
ajfti-2557	111	25	moderately	moderately	ADV
ajfti-2557	111	26	.	.	PUNCT
ajfti-2557	112	1	this	this	PRON
ajfti-2557	112	2	where	where	SCONJ
ajfti-2557	112	3	for	for	ADP
ajfti-2557	112	4	example	example	NOUN
ajfti-2557	112	5	from	from	ADP
ajfti-2557	112	6	2017	2017	NUM
ajfti-2557	112	7	to	to	ADP
ajfti-2557	112	8	2018	2018	NUM
ajfti-2557	112	9	mobile	mobile	ADJ
ajfti-2557	112	10	money	money	NOUN
ajfti-2557	112	11	subscribers	subscriber	NOUN
ajfti-2557	112	12	in	in	ADP
ajfti-2557	112	13	rwanda	rwanda	PROPN
ajfti-2557	112	14	increased	increase	VERB
ajfti-2557	112	15	at	at	ADP
ajfti-2557	112	16	44	44	NUM
ajfti-2557	112	17	%	%	NOUN
ajfti-2557	112	18	while	while	SCONJ
ajfti-2557	112	19	by	by	ADP
ajfti-2557	112	20	2020	2020	NUM
ajfti-2557	112	21	reduce	reduce	VERB
ajfti-2557	112	22	1	1	NUM
ajfti-2557	112	23	%	%	NOUN
ajfti-2557	112	24	.	.	PUNCT
ajfti-2557	113	1	mobile	mobile	ADJ
ajfti-2557	113	2	money	money	NOUN
ajfti-2557	113	3	accounts	account	NOUN
ajfti-2557	113	4	which	which	PRON
ajfti-2557	113	5	is	be	AUX
ajfti-2557	113	6	equivalent	equivalent	ADJ
ajfti-2557	113	7	to	to	ADP
ajfti-2557	113	8	mobile	mobile	ADJ
ajfti-2557	113	9	money	money	NOUN
ajfti-2557	113	10	subscribers	subscriber	NOUN
ajfti-2557	113	11	is	be	AUX
ajfti-2557	113	12	a	a	DET
ajfti-2557	113	13	big	big	ADJ
ajfti-2557	113	14	number	number	NOUN
ajfti-2557	113	15	even	even	ADV
ajfti-2557	113	16	greater	great	ADJ
ajfti-2557	113	17	than	than	ADP
ajfti-2557	113	18	rwandan	rwandan	PROPN
ajfti-2557	113	19	total	total	ADJ
ajfti-2557	113	20	population	population	NOUN
ajfti-2557	113	21	table	table	NOUN
ajfti-2557	113	22	1	1	NUM
ajfti-2557	113	23	:	:	PUNCT
ajfti-2557	113	24	mixed	mixed	ADJ
ajfti-2557	113	25	fintech	fintech	NOUN
ajfti-2557	113	26	and	and	CCONJ
ajfti-2557	113	27	economic	economic	ADJ
ajfti-2557	113	28	growth	growth	NOUN
ajfti-2557	113	29	and	and	CCONJ
ajfti-2557	113	30	development	development	NOUN
ajfti-2557	113	31	indicators	indicator	NOUN
ajfti-2557	113	32	indicators	indicator	NOUN
ajfti-2557	113	33	(	(	PUNCT
ajfti-2557	113	34	all	all	PRON
ajfti-2557	113	35	)	)	PUNCT
ajfti-2557	113	36	2018	2018	NUM
ajfti-2557	113	37	2019	2019	NUM
ajfti-2557	113	38	2020	2020	NUM
ajfti-2557	113	39	2021	2021	NUM
ajfti-2557	113	40	2022	2022	NUM
ajfti-2557	113	41	2023	2023	NUM
ajfti-2557	113	42	gross	gross	ADJ
ajfti-2557	113	43	domestic	domestic	ADJ
ajfti-2557	113	44	product	product	NOUN
ajfti-2557	113	45	(	(	PUNCT
ajfti-2557	113	46	gdp	gdp	NOUN
ajfti-2557	113	47	)	)	PUNCT
ajfti-2557	113	48	(	(	PUNCT
ajfti-2557	113	49	in	in	ADP
ajfti-2557	113	50	billion	billion	NUM
ajfti-2557	113	51	rwf	rwf	NOUN
ajfti-2557	113	52	)	)	PUNCT
ajfti-2557	113	53	8,298	8,298	NUM
ajfti-2557	113	54	9,305	9,305	NUM
ajfti-2557	113	55	9,596	9,596	NUM
ajfti-2557	113	56	10,930	10,930	NUM
ajfti-2557	113	57	13,716	13,716	NUM
ajfti-2557	113	58	15,109	15,109	NUM
ajfti-2557	113	59	gdp	gdp	NOUN
ajfti-2557	113	60	per	per	ADP
ajfti-2557	113	61	head	head	NOUN
ajfti-2557	113	62	(	(	PUNCT
ajfti-2557	113	63	in	in	ADP
ajfti-2557	113	64	current	current	ADJ
ajfti-2557	113	65	us	us	PROPN
ajfti-2557	113	66	dollars	dollar	NOUN
ajfti-2557	113	67	)	)	PUNCT
ajfti-2557	113	68	797	797	NUM
ajfti-2557	113	69	836	836	NUM
ajfti-2557	113	70	803	803	NUM
ajfti-2557	113	71	853	853	NUM
ajfti-2557	113	72	1,004	1,004	NUM
ajfti-2557	113	73	1,155	1,155	NUM
ajfti-2557	113	74	information	information	NOUN
ajfti-2557	113	75	&	&	CCONJ
ajfti-2557	113	76	communication	communication	NOUN
ajfti-2557	113	77	(	(	PUNCT
ajfti-2557	113	78	in	in	ADP
ajfti-2557	113	79	billion	billion	NUM
ajfti-2557	113	80	rwf	rwf	NOUN
ajfti-2557	113	81	)	)	PUNCT
ajfti-2557	113	82	144	144	NUM
ajfti-2557	113	83	185	185	NUM
ajfti-2557	113	84	194	194	NUM
ajfti-2557	113	85	215	215	NUM
ajfti-2557	113	86	201	201	NUM
ajfti-2557	113	87	201	201	NUM
ajfti-2557	113	88	financial	financial	ADJ
ajfti-2557	113	89	services	service	NOUN
ajfti-2557	113	90	(	(	PUNCT
ajfti-2557	113	91	in	in	ADP
ajfti-2557	113	92	billion	billion	NUM
ajfti-2557	113	93	rwf	rwf	NOUN
ajfti-2557	113	94	)	)	PUNCT
ajfti-2557	113	95	206	206	NUM
ajfti-2557	113	96	225	225	NUM
ajfti-2557	113	97	220	220	NUM
ajfti-2557	113	98	281	281	NUM
ajfti-2557	113	99	369	369	NUM
ajfti-2557	113	100	457	457	NUM
ajfti-2557	113	101	mobile	mobile	ADJ
ajfti-2557	113	102	money	money	NOUN
ajfti-2557	113	103	subscribers	subscriber	NOUN
ajfti-2557	113	104	in	in	ADP
ajfti-2557	113	105	rwanda	rwanda	PROPN
ajfti-2557	113	106	in	in	ADP
ajfti-2557	113	107	millions	million	NOUN
ajfti-2557	113	108	11.07	11.07	NUM
ajfti-2557	113	109	15.92	15.92	NUM
ajfti-2557	113	110	15.7	15.7	NUM
ajfti-2557	113	111	15.36	15.36	NUM
ajfti-2557	113	112	16.29	16.29	NUM
ajfti-2557	113	113	17.22	17.22	NUM
ajfti-2557	113	114	number	number	NOUN
ajfti-2557	113	115	of	of	ADP
ajfti-2557	113	116	fintech	fintech	NOUN
ajfti-2557	113	117	start	start	NOUN
ajfti-2557	113	118	-	-	PUNCT
ajfti-2557	113	119	ups	up	NOUN
ajfti-2557	113	120	in	in	ADP
ajfti-2557	113	121	rwanda	rwanda	PROPN
ajfti-2557	113	122	42	42	NUM
ajfti-2557	113	123	44	44	NUM
ajfti-2557	113	124	44	44	NUM
ajfti-2557	113	125	44	44	NUM
ajfti-2557	113	126	44	44	NUM
ajfti-2557	113	127	44	44	NUM
ajfti-2557	113	128	human	human	ADJ
ajfti-2557	113	129	development	development	NOUN
ajfti-2557	113	130	index	index	NOUN
ajfti-2557	113	131	(	(	PUNCT
ajfti-2557	113	132	ratio	ratio	NOUN
ajfti-2557	113	133	)	)	PUNCT
ajfti-2557	113	134	0.54	0.54	NUM
ajfti-2557	113	135	0.54	0.54	NUM
ajfti-2557	113	136	0.54	0.54	NUM
ajfti-2557	113	137	0.53	0.53	NUM
ajfti-2557	113	138	0.53	0.53	NUM
ajfti-2557	113	139	0.55	0.55	NUM
ajfti-2557	113	140	source	source	NOUN
ajfti-2557	113	141	:	:	PUNCT
ajfti-2557	113	142	nisr	nisr	ADJ
ajfti-2557	113	143	,	,	PUNCT
ajfti-2557	113	144	world	world	PROPN
ajfti-2557	113	145	bank	bank	PROPN
ajfti-2557	113	146	,	,	PUNCT
ajfti-2557	113	147	globe	globe	NOUN
ajfti-2557	113	148	economy	economy	NOUN
ajfti-2557	113	149	portals	portal	NOUN
ajfti-2557	113	150	,	,	PUNCT
ajfti-2557	113	151	2024	2024	NUM
ajfti-2557	113	152	pa	pa	PROPN
ajfti-2557	113	153	ge	ge	PROPN
ajfti-2557	113	154	29	29	NUM
ajfti-2557	113	155	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	NOUN
ajfti-2557	113	156	am	be	AUX
ajfti-2557	113	157	.	.	PUNCT
ajfti-2557	114	1	j.	j.	PROPN
ajfti-2557	114	2	financ	financ	PROPN
ajfti-2557	114	3	.	.	PUNCT
ajfti-2557	115	1	technol	technol	PROPN
ajfti-2557	115	2	.	.	PUNCT
ajfti-2557	115	3	innov	innov	PROPN
ajfti-2557	115	4	.	.	PUNCT
ajfti-2557	116	1	2(1	2(1	NUM
ajfti-2557	116	2	)	)	PUNCT
ajfti-2557	116	3	25	25	NUM
ajfti-2557	116	4	-	-	SYM
ajfti-2557	116	5	32	32	NUM
ajfti-2557	116	6	,	,	PUNCT
ajfti-2557	116	7	2024	2024	NUM
ajfti-2557	116	8	because	because	SCONJ
ajfti-2557	116	9	it	it	PRON
ajfti-2557	116	10	counts	count	VERB
ajfti-2557	116	11	mobile	mobile	ADJ
ajfti-2557	116	12	money	money	NOUN
ajfti-2557	116	13	accounts	account	VERB
ajfti-2557	116	14	from	from	ADP
ajfti-2557	116	15	various	various	ADJ
ajfti-2557	116	16	institutions	institution	NOUN
ajfti-2557	116	17	,	,	PUNCT
ajfti-2557	116	18	individuals	individual	NOUN
ajfti-2557	116	19	,	,	PUNCT
ajfti-2557	116	20	businesses	business	NOUN
ajfti-2557	116	21	,	,	PUNCT
ajfti-2557	116	22	etc	etc	X
ajfti-2557	116	23	.	.	X
ajfti-2557	116	24	here	here	ADV
ajfti-2557	116	25	for	for	ADP
ajfti-2557	116	26	example	example	NOUN
ajfti-2557	116	27	,	,	PUNCT
ajfti-2557	116	28	most	most	ADJ
ajfti-2557	116	29	people	people	NOUN
ajfti-2557	116	30	in	in	ADP
ajfti-2557	116	31	rwanda	rwanda	PROPN
ajfti-2557	116	32	are	be	AUX
ajfti-2557	116	33	owning	own	VERB
ajfti-2557	116	34	3	3	NUM
ajfti-2557	116	35	to	to	PART
ajfti-2557	116	36	4	4	NUM
ajfti-2557	116	37	sim	sim	ADJ
ajfti-2557	116	38	cards	card	NOUN
ajfti-2557	116	39	and	and	CCONJ
ajfti-2557	116	40	each	each	PRON
ajfti-2557	116	41	is	be	AUX
ajfti-2557	116	42	registered	register	VERB
ajfti-2557	116	43	in	in	ADP
ajfti-2557	116	44	the	the	DET
ajfti-2557	116	45	mobile	mobile	ADJ
ajfti-2557	116	46	money	money	NOUN
ajfti-2557	116	47	system	system	NOUN
ajfti-2557	116	48	(	(	PUNCT
ajfti-2557	116	49	nicole	nicole	PROPN
ajfti-2557	116	50	,	,	PUNCT
ajfti-2557	116	51	2021	2021	NUM
ajfti-2557	116	52	)	)	PUNCT
ajfti-2557	116	53	.	.	PUNCT
ajfti-2557	117	1	considering	consider	VERB
ajfti-2557	117	2	null	null	ADJ
ajfti-2557	117	3	hypothesis	hypothesis	NOUN
ajfti-2557	117	4	one	one	NOUN
ajfti-2557	117	5	stating	state	VERB
ajfti-2557	117	6	that	that	SCONJ
ajfti-2557	117	7	,	,	PUNCT
ajfti-2557	117	8	there	there	PRON
ajfti-2557	117	9	is	be	VERB
ajfti-2557	117	10	no	no	DET
ajfti-2557	117	11	significant	significant	ADJ
ajfti-2557	117	12	role	role	NOUN
ajfti-2557	117	13	of	of	ADP
ajfti-2557	117	14	fintech	fintech	NOUN
ajfti-2557	117	15	on	on	ADP
ajfti-2557	117	16	economic	economic	ADJ
ajfti-2557	117	17	growth	growth	NOUN
ajfti-2557	117	18	of	of	ADP
ajfti-2557	117	19	rwanda	rwanda	PROPN
ajfti-2557	117	20	,	,	PUNCT
ajfti-2557	117	21	the	the	DET
ajfti-2557	117	22	findings	finding	NOUN
ajfti-2557	117	23	prevail	prevail	VERB
ajfti-2557	117	24	the	the	DET
ajfti-2557	117	25	following	follow	VERB
ajfti-2557	117	26	results	result	NOUN
ajfti-2557	117	27	:	:	PUNCT
ajfti-2557	117	28	from	from	ADP
ajfti-2557	117	29	table	table	NOUN
ajfti-2557	117	30	2	2	NUM
ajfti-2557	117	31	,	,	PUNCT
ajfti-2557	117	32	an	an	DET
ajfti-2557	117	33	(	(	PUNCT
ajfti-2557	117	34	r2	r2	PROPN
ajfti-2557	117	35	)	)	PUNCT
ajfti-2557	117	36	of	of	ADP
ajfti-2557	117	37	1	1	NUM
ajfti-2557	117	38	indicates	indicate	VERB
ajfti-2557	117	39	that	that	SCONJ
ajfti-2557	117	40	the	the	DET
ajfti-2557	117	41	regression	regression	NOUN
ajfti-2557	117	42	predictions	prediction	NOUN
ajfti-2557	117	43	perfectly	perfectly	ADV
ajfti-2557	117	44	fit	fit	VERB
ajfti-2557	117	45	the	the	DET
ajfti-2557	117	46	data	datum	NOUN
ajfti-2557	117	47	.	.	PUNCT
ajfti-2557	118	1	this	this	PRON
ajfti-2557	118	2	shows	show	VERB
ajfti-2557	118	3	that	that	SCONJ
ajfti-2557	118	4	,	,	PUNCT
ajfti-2557	118	5	the	the	DET
ajfti-2557	118	6	analyzed	analyze	VERB
ajfti-2557	118	7	model	model	NOUN
ajfti-2557	118	8	feet	foot	NOUN
ajfti-2557	118	9	at	at	ADP
ajfti-2557	118	10	82	82	NUM
ajfti-2557	118	11	%	%	NOUN
ajfti-2557	118	12	as	as	ADP
ajfti-2557	118	13	(	(	PUNCT
ajfti-2557	118	14	r2	r2	PROPN
ajfti-2557	118	15	)	)	PUNCT
ajfti-2557	118	16	is	be	AUX
ajfti-2557	118	17	equal	equal	ADJ
ajfti-2557	118	18	to	to	ADP
ajfti-2557	118	19	0.820	0.820	NUM
ajfti-2557	118	20	.	.	PUNCT
ajfti-2557	119	1	r	r	NOUN
ajfti-2557	119	2	is	be	AUX
ajfti-2557	119	3	also	also	ADV
ajfti-2557	119	4	equal	equal	ADJ
ajfti-2557	119	5	to	to	ADP
ajfti-2557	119	6	0.906	0.906	NUM
ajfti-2557	119	7	meaning	mean	VERB
ajfti-2557	119	8	that	that	SCONJ
ajfti-2557	119	9	,	,	PUNCT
ajfti-2557	119	10	change	change	NOUN
ajfti-2557	119	11	of	of	ADP
ajfti-2557	119	12	fintech	fintech	NOUN
ajfti-2557	119	13	start	start	NOUN
ajfti-2557	119	14	-	-	PUNCT
ajfti-2557	119	15	ups	up	NOUN
ajfti-2557	119	16	in	in	ADP
ajfti-2557	119	17	rwanda	rwanda	PROPN
ajfti-2557	119	18	,	,	PUNCT
ajfti-2557	119	19	information	information	NOUN
ajfti-2557	119	20	&	&	CCONJ
ajfti-2557	119	21	communication	communication	NOUN
ajfti-2557	119	22	,	,	PUNCT
ajfti-2557	119	23	mobile	mobile	ADJ
ajfti-2557	119	24	money	money	NOUN
ajfti-2557	119	25	subscribers	subscriber	NOUN
ajfti-2557	119	26	in	in	ADP
ajfti-2557	119	27	rwanda	rwanda	PROPN
ajfti-2557	119	28	each	each	PRON
ajfti-2557	119	29	contribute	contribute	VERB
ajfti-2557	119	30	82	82	NUM
ajfti-2557	119	31	%	%	NOUN
ajfti-2557	119	32	to	to	ADP
ajfti-2557	119	33	the	the	DET
ajfti-2557	119	34	economic	economic	ADJ
ajfti-2557	119	35	growth	growth	NOUN
ajfti-2557	119	36	in	in	ADP
ajfti-2557	119	37	rwanda	rwanda	PROPN
ajfti-2557	119	38	as	as	SCONJ
ajfti-2557	119	39	represented	represent	VERB
ajfti-2557	119	40	by	by	ADP
ajfti-2557	119	41	gdp	gdp	NOUN
ajfti-2557	119	42	per	per	ADP
ajfti-2557	119	43	capita	capita	NOUN
ajfti-2557	119	44	.	.	PUNCT
ajfti-2557	120	1	figure	figure	NOUN
ajfti-2557	120	2	2	2	NUM
ajfti-2557	120	3	:	:	PUNCT
ajfti-2557	120	4	change	change	VERB
ajfti-2557	120	5	on	on	ADP
ajfti-2557	120	6	mixt	mixt	VERB
ajfti-2557	120	7	fintech	fintech	NOUN
ajfti-2557	120	8	and	and	CCONJ
ajfti-2557	120	9	economic	economic	ADJ
ajfti-2557	120	10	growth	growth	NOUN
ajfti-2557	120	11	and	and	CCONJ
ajfti-2557	120	12	development	development	NOUN
ajfti-2557	120	13	indicators	indicator	NOUN
ajfti-2557	120	14	from	from	ADP
ajfti-2557	120	15	2018	2018	NUM
ajfti-2557	120	16	to	to	ADP
ajfti-2557	120	17	2023	2023	NUM
ajfti-2557	120	18	table	table	NOUN
ajfti-2557	120	19	2	2	NUM
ajfti-2557	120	20	:	:	PUNCT
ajfti-2557	120	21	model	model	NOUN
ajfti-2557	120	22	summary	summary	NOUN
ajfti-2557	120	23	h01	h01	PROPN
ajfti-2557	120	24	model	model	PROPN
ajfti-2557	120	25	summary	summary	NOUN
ajfti-2557	120	26	model	model	NOUN
ajfti-2557	120	27	r	r	PROPN
ajfti-2557	120	28	r	r	NOUN
ajfti-2557	120	29	square	square	ADJ
ajfti-2557	120	30	adjusted	adjust	VERB
ajfti-2557	120	31	r	r	NOUN
ajfti-2557	120	32	square	square	ADJ
ajfti-2557	120	33	std	std	NOUN
ajfti-2557	120	34	.	.	PUNCT
ajfti-2557	121	1	error	error	NOUN
ajfti-2557	121	2	of	of	ADP
ajfti-2557	121	3	the	the	DET
ajfti-2557	121	4	estimate	estimate	NOUN
ajfti-2557	121	5	1	1	NUM
ajfti-2557	121	6	.906a	.906a	NOUN
ajfti-2557	121	7	.820	.820	NUM
ajfti-2557	121	8	.280	.280	NUM
ajfti-2557	121	9	.07340	.07340	PROPN
ajfti-2557	121	10	a.	a.	NOUN
ajfti-2557	121	11	predictors	predictor	NOUN
ajfti-2557	121	12	:	:	PUNCT
ajfti-2557	121	13	(	(	PUNCT
ajfti-2557	121	14	constant	constant	ADJ
ajfti-2557	121	15	)	)	PUNCT
ajfti-2557	121	16	,	,	PUNCT
ajfti-2557	121	17	change	change	NOUN
ajfti-2557	121	18	of	of	ADP
ajfti-2557	121	19	fintech	fintech	NOUN
ajfti-2557	121	20	start	start	NOUN
ajfti-2557	121	21	-	-	PUNCT
ajfti-2557	121	22	ups	up	NOUN
ajfti-2557	121	23	in	in	ADP
ajfti-2557	121	24	rwanda	rwanda	PROPN
ajfti-2557	121	25	,	,	PUNCT
ajfti-2557	121	26	information	information	NOUN
ajfti-2557	121	27	&	&	CCONJ
ajfti-2557	121	28	communication	communication	NOUN
ajfti-2557	121	29	,	,	PUNCT
ajfti-2557	121	30	mobile	mobile	ADJ
ajfti-2557	121	31	money	money	NOUN
ajfti-2557	121	32	subscribers	subscriber	NOUN
ajfti-2557	121	33	in	in	ADP
ajfti-2557	121	34	rwanda	rwanda	PROPN
ajfti-2557	121	35	table	table	NOUN
ajfti-2557	121	36	3	3	NUM
ajfti-2557	121	37	:	:	PUNCT
ajfti-2557	121	38	anova	anova	PROPN
ajfti-2557	121	39	table	table	NOUN
ajfti-2557	121	40	for	for	ADP
ajfti-2557	121	41	the	the	DET
ajfti-2557	121	42	tested	test	VERB
ajfti-2557	121	43	variables	variable	NOUN
ajfti-2557	121	44	h01	h01	PROPN
ajfti-2557	121	45	anovaa	anovaa	PROPN
ajfti-2557	121	46	model	model	PROPN
ajfti-2557	121	47	sum	sum	NOUN
ajfti-2557	121	48	of	of	ADP
ajfti-2557	121	49	squares	square	NOUN
ajfti-2557	121	50	df	df	PROPN
ajfti-2557	121	51	mean	mean	PROPN
ajfti-2557	121	52	square	square	PROPN
ajfti-2557	121	53	f	f	PROPN
ajfti-2557	121	54	sig	sig	PROPN
ajfti-2557	121	55	.	.	PROPN
ajfti-2557	121	56	1	1	NUM
ajfti-2557	121	57	regression	regression	NOUN
ajfti-2557	121	58	.025	.025	NUM
ajfti-2557	121	59	3	3	NUM
ajfti-2557	121	60	.008	.008	NUM
ajfti-2557	121	61	1.518	1.518	NUM
ajfti-2557	121	62	.024b	.024b	PUNCT
ajfti-2557	121	63	residual	residual	ADJ
ajfti-2557	121	64	.005	.005	NUM
ajfti-2557	121	65	1	1	NUM
ajfti-2557	121	66	.005	.005	NUM
ajfti-2557	121	67	total	total	NOUN
ajfti-2557	121	68	.030	.030	NUM
ajfti-2557	121	69	4	4	NUM
ajfti-2557	121	70	a.	a.	NOUN
ajfti-2557	121	71	dependent	dependent	ADJ
ajfti-2557	121	72	variable	variable	NOUN
ajfti-2557	121	73	:	:	PUNCT
ajfti-2557	121	74	gdp	gdp	NOUN
ajfti-2557	121	75	per	per	ADP
ajfti-2557	121	76	head	head	NOUN
ajfti-2557	121	77	b.	b.	PROPN
ajfti-2557	121	78	predictors	predictor	NOUN
ajfti-2557	121	79	:	:	PUNCT
ajfti-2557	121	80	(	(	PUNCT
ajfti-2557	121	81	constant	constant	ADJ
ajfti-2557	121	82	)	)	PUNCT
ajfti-2557	121	83	,	,	PUNCT
ajfti-2557	121	84	change	change	NOUN
ajfti-2557	121	85	of	of	ADP
ajfti-2557	121	86	fintech	fintech	NOUN
ajfti-2557	121	87	start	start	NOUN
ajfti-2557	121	88	-	-	PUNCT
ajfti-2557	121	89	ups	up	NOUN
ajfti-2557	121	90	in	in	ADP
ajfti-2557	121	91	rwanda	rwanda	PROPN
ajfti-2557	121	92	,	,	PUNCT
ajfti-2557	121	93	information	information	NOUN
ajfti-2557	121	94	&	&	CCONJ
ajfti-2557	121	95	communication	communication	NOUN
ajfti-2557	121	96	,	,	PUNCT
ajfti-2557	121	97	mobile	mobile	ADJ
ajfti-2557	121	98	money	money	NOUN
ajfti-2557	121	99	subscribers	subscriber	NOUN
ajfti-2557	121	100	in	in	ADP
ajfti-2557	121	101	rwanda	rwanda	PROPN
ajfti-2557	121	102	table	table	NOUN
ajfti-2557	121	103	3	3	NUM
ajfti-2557	122	1	,	,	PUNCT
ajfti-2557	122	2	the	the	DET
ajfti-2557	122	3	results	result	NOUN
ajfti-2557	122	4	show	show	VERB
ajfti-2557	122	5	that	that	SCONJ
ajfti-2557	122	6	the	the	DET
ajfti-2557	122	7	model	model	NOUN
ajfti-2557	122	8	had	have	VERB
ajfti-2557	122	9	an	an	DET
ajfti-2557	122	10	f	f	PROPN
ajfti-2557	122	11	ratio	ratio	NOUN
ajfti-2557	122	12	of	of	ADP
ajfti-2557	122	13	1.518	1.518	NUM
ajfti-2557	122	14	and	and	CCONJ
ajfti-2557	122	15	the	the	DET
ajfti-2557	122	16	p	p	NOUN
ajfti-2557	122	17	value	value	NOUN
ajfti-2557	122	18	was	be	AUX
ajfti-2557	122	19	0.024<0.05	0.024<0.05	NUM
ajfti-2557	122	20	,	,	PUNCT
ajfti-2557	122	21	signifying	signify	VERB
ajfti-2557	122	22	that	that	SCONJ
ajfti-2557	122	23	the	the	DET
ajfti-2557	122	24	f	f	PROPN
ajfti-2557	122	25	ratio	ratio	NOUN
ajfti-2557	122	26	was	be	AUX
ajfti-2557	122	27	statistically	statistically	ADV
ajfti-2557	122	28	significant	significant	ADJ
ajfti-2557	122	29	,	,	PUNCT
ajfti-2557	122	30	therefore	therefore	ADV
ajfti-2557	122	31	the	the	DET
ajfti-2557	122	32	overall	overall	ADJ
ajfti-2557	122	33	regression	regression	NOUN
ajfti-2557	122	34	model	model	NOUN
ajfti-2557	122	35	for	for	ADP
ajfti-2557	122	36	all	all	DET
ajfti-2557	122	37	the	the	DET
ajfti-2557	122	38	variables	variable	NOUN
ajfti-2557	122	39	tested	test	VERB
ajfti-2557	122	40	were	be	AUX
ajfti-2557	122	41	statistically	statistically	ADV
ajfti-2557	122	42	significant	significant	ADJ
ajfti-2557	122	43	and	and	CCONJ
ajfti-2557	122	44	can	can	AUX
ajfti-2557	122	45	be	be	AUX
ajfti-2557	122	46	used	use	VERB
ajfti-2557	122	47	for	for	ADP
ajfti-2557	122	48	prediction	prediction	NOUN
ajfti-2557	122	49	at	at	ADP
ajfti-2557	122	50	5	5	NUM
ajfti-2557	122	51	%	%	NOUN
ajfti-2557	122	52	significant	significant	ADJ
ajfti-2557	122	53	level	level	NOUN
ajfti-2557	122	54	.	.	PUNCT
ajfti-2557	123	1	this	this	PRON
ajfti-2557	123	2	further	far	ADV
ajfti-2557	123	3	indicate	indicate	VERB
ajfti-2557	123	4	that	that	SCONJ
ajfti-2557	123	5	the	the	DET
ajfti-2557	123	6	predictors	predictor	NOUN
ajfti-2557	123	7	variables	variable	VERB
ajfti-2557	123	8	change	change	NOUN
ajfti-2557	123	9	of	of	ADP
ajfti-2557	123	10	fintech	fintech	NOUN
ajfti-2557	123	11	start	start	NOUN
ajfti-2557	123	12	-	-	PUNCT
ajfti-2557	123	13	ups	up	NOUN
ajfti-2557	123	14	in	in	ADP
ajfti-2557	123	15	rwanda	rwanda	PROPN
ajfti-2557	123	16	,	,	PUNCT
ajfti-2557	123	17	information	information	NOUN
ajfti-2557	123	18	&	&	CCONJ
ajfti-2557	123	19	communication	communication	NOUN
ajfti-2557	123	20	,	,	PUNCT
ajfti-2557	123	21	mobile	mobile	ADJ
ajfti-2557	123	22	money	money	NOUN
ajfti-2557	123	23	subscribers	subscriber	NOUN
ajfti-2557	123	24	in	in	ADP
ajfti-2557	123	25	rwanda	rwanda	PROPN
ajfti-2557	123	26	used	use	VERB
ajfti-2557	123	27	in	in	ADP
ajfti-2557	123	28	this	this	DET
ajfti-2557	123	29	study	study	NOUN
ajfti-2557	123	30	as	as	ADP
ajfti-2557	123	31	indicators	indicator	NOUN
ajfti-2557	123	32	of	of	ADP
ajfti-2557	123	33	fintech	fintech	NOUN
ajfti-2557	123	34	are	be	AUX
ajfti-2557	123	35	statistically	statistically	ADV
ajfti-2557	123	36	significant	significant	ADJ
ajfti-2557	123	37	to	to	ADP
ajfti-2557	123	38	the	the	DET
ajfti-2557	123	39	economic	economic	ADJ
ajfti-2557	123	40	growth	growth	NOUN
ajfti-2557	123	41	of	of	ADP
ajfti-2557	123	42	rwanda	rwanda	PROPN
ajfti-2557	123	43	.	.	PUNCT
ajfti-2557	124	1	therefore	therefore	ADV
ajfti-2557	124	2	,	,	PUNCT
ajfti-2557	124	3	the	the	DET
ajfti-2557	124	4	formulated	formulate	VERB
ajfti-2557	124	5	null	null	ADJ
ajfti-2557	124	6	hypothesis	hypothesis	NOUN
ajfti-2557	124	7	starting	start	VERB
ajfti-2557	124	8	that	that	SCONJ
ajfti-2557	124	9	there	there	PRON
ajfti-2557	124	10	is	be	VERB
ajfti-2557	124	11	no	no	DET
ajfti-2557	124	12	significant	significant	ADJ
ajfti-2557	124	13	role	role	NOUN
ajfti-2557	124	14	of	of	ADP
ajfti-2557	124	15	fintech	fintech	NOUN
ajfti-2557	124	16	on	on	ADP
ajfti-2557	124	17	economic	economic	ADJ
ajfti-2557	124	18	growth	growth	NOUN
ajfti-2557	124	19	of	of	ADP
ajfti-2557	124	20	rwanda	rwanda	PROPN
ajfti-2557	124	21	was	be	AUX
ajfti-2557	124	22	failed	fail	VERB
ajfti-2557	124	23	to	to	PART
ajfti-2557	124	24	be	be	AUX
ajfti-2557	124	25	accepted	accept	VERB
ajfti-2557	124	26	in	in	ADP
ajfti-2557	124	27	favor	favor	NOUN
ajfti-2557	124	28	of	of	ADP
ajfti-2557	124	29	alternative	alternative	ADJ
ajfti-2557	124	30	hypothesis	hypothesis	NOUN
ajfti-2557	124	31	or	or	CCONJ
ajfti-2557	124	32	its	its	PRON
ajfti-2557	124	33	opposite	opposite	ADJ
ajfti-2557	124	34	.	.	PUNCT
ajfti-2557	124	35	table	table	NOUN
ajfti-2557	124	36	4	4	NUM
ajfti-2557	124	37	gives	give	VERB
ajfti-2557	124	38	the	the	DET
ajfti-2557	124	39	following	follow	VERB
ajfti-2557	124	40	linear	linear	PROPN
ajfti-2557	124	41	equation	equation	NOUN
ajfti-2557	124	42	:	:	PUNCT
ajfti-2557	125	1	y1=0.008	y1=0.008	PROPN
ajfti-2557	125	2	+	+	NOUN
ajfti-2557	125	3	0.750x1	0.750x1	NOUN
ajfti-2557	125	4	+	+	ADJ
ajfti-2557	125	5	3.042x2	3.042x2	NUM
ajfti-2557	125	6	-	-	SYM
ajfti-2557	125	7	31.604x3	31.604x3	NUM
ajfti-2557	125	8	this	this	PRON
ajfti-2557	125	9	means	mean	VERB
ajfti-2557	125	10	that	that	SCONJ
ajfti-2557	125	11	,	,	PUNCT
ajfti-2557	125	12	there	there	PRON
ajfti-2557	125	13	is	be	VERB
ajfti-2557	125	14	a	a	DET
ajfti-2557	125	15	positive	positive	ADJ
ajfti-2557	125	16	correlation	correlation	NOUN
ajfti-2557	125	17	between	between	ADP
ajfti-2557	125	18	information	information	NOUN
ajfti-2557	125	19	&	&	CCONJ
ajfti-2557	125	20	communication	communication	NOUN
ajfti-2557	125	21	,	,	PUNCT
ajfti-2557	125	22	mobile	mobile	ADJ
ajfti-2557	125	23	money	money	NOUN
ajfti-2557	125	24	subscribers	subscriber	NOUN
ajfti-2557	125	25	in	in	ADP
ajfti-2557	125	26	rwanda	rwanda	PROPN
ajfti-2557	125	27	and	and	CCONJ
ajfti-2557	125	28	negative	negative	ADJ
ajfti-2557	125	29	correlation	correlation	NOUN
ajfti-2557	125	30	with	with	ADP
ajfti-2557	125	31	change	change	NOUN
ajfti-2557	125	32	of	of	ADP
ajfti-2557	125	33	fintech	fintech	NOUN
ajfti-2557	125	34	start	start	NOUN
ajfti-2557	125	35	-	-	PUNCT
ajfti-2557	125	36	ups	up	NOUN
ajfti-2557	125	37	in	in	ADP
ajfti-2557	125	38	rwanda	rwanda	PROPN
ajfti-2557	125	39	toward	toward	ADP
ajfti-2557	125	40	the	the	DET
ajfti-2557	125	41	economic	economic	ADJ
ajfti-2557	125	42	growth	growth	NOUN
ajfti-2557	125	43	(	(	PUNCT
ajfti-2557	125	44	gdp	gdp	NOUN
ajfti-2557	125	45	per	per	ADP
ajfti-2557	125	46	capita	capita	NOUN
ajfti-2557	125	47	)	)	PUNCT
ajfti-2557	125	48	.	.	PUNCT
ajfti-2557	126	1	in	in	ADP
ajfti-2557	126	2	other	other	ADJ
ajfti-2557	126	3	words	word	NOUN
ajfti-2557	126	4	,	,	PUNCT
ajfti-2557	126	5	one	one	NUM
ajfti-2557	126	6	unit	unit	NOUN
ajfti-2557	126	7	change	change	NOUN
ajfti-2557	126	8	from	from	ADP
ajfti-2557	126	9	the	the	DET
ajfti-2557	126	10	one	one	NUM
ajfti-2557	126	11	above	above	ADP
ajfti-2557	126	12	indicators	indicator	NOUN
ajfti-2557	126	13	(	(	PUNCT
ajfti-2557	126	14	3	3	NUM
ajfti-2557	126	15	listed	list	VERB
ajfti-2557	126	16	above	above	ADV
ajfti-2557	126	17	)	)	PUNCT
ajfti-2557	126	18	lead	lead	VERB
ajfti-2557	126	19	to	to	PART
ajfti-2557	126	20	change	change	VERB
ajfti-2557	126	21	pa	pa	PROPN
ajfti-2557	126	22	ge	ge	PROPN
ajfti-2557	126	23	30	30	NUM
ajfti-2557	126	24	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	NOUN
ajfti-2557	126	25	am	be	AUX
ajfti-2557	126	26	.	.	PUNCT
ajfti-2557	127	1	j.	j.	PROPN
ajfti-2557	127	2	financ	financ	PROPN
ajfti-2557	127	3	.	.	PUNCT
ajfti-2557	128	1	technol	technol	PROPN
ajfti-2557	128	2	.	.	PUNCT
ajfti-2557	128	3	innov	innov	PROPN
ajfti-2557	128	4	.	.	PUNCT
ajfti-2557	129	1	2(1	2(1	NUM
ajfti-2557	129	2	)	)	PUNCT
ajfti-2557	129	3	25	25	NUM
ajfti-2557	129	4	-	-	SYM
ajfti-2557	129	5	32	32	NUM
ajfti-2557	129	6	,	,	PUNCT
ajfti-2557	129	7	2024	2024	NUM
ajfti-2557	129	8	of	of	ADP
ajfti-2557	129	9	0.750	0.750	NUM
ajfti-2557	129	10	;	;	PUNCT
ajfti-2557	129	11	3.042	3.042	NUM
ajfti-2557	129	12	and	and	CCONJ
ajfti-2557	129	13	-31.604	-31.604	PROPN
ajfti-2557	129	14	change	change	NOUN
ajfti-2557	129	15	times	times	ADP
ajfti-2557	129	16	additional	additional	ADJ
ajfti-2557	129	17	value	value	NOUN
ajfti-2557	129	18	to	to	ADP
ajfti-2557	129	19	the	the	DET
ajfti-2557	129	20	current	current	ADJ
ajfti-2557	129	21	units	unit	NOUN
ajfti-2557	129	22	of	of	ADP
ajfti-2557	129	23	the	the	DET
ajfti-2557	129	24	gdp	gdp	NOUN
ajfti-2557	129	25	per	per	ADP
ajfti-2557	129	26	capita	capita	NOUN
ajfti-2557	129	27	of	of	ADP
ajfti-2557	129	28	economic	economic	ADJ
ajfti-2557	129	29	growth	growth	NOUN
ajfti-2557	129	30	.	.	PUNCT
ajfti-2557	130	1	in	in	ADP
ajfti-2557	130	2	other	other	ADJ
ajfti-2557	130	3	words	word	NOUN
ajfti-2557	130	4	,	,	PUNCT
ajfti-2557	130	5	once	once	SCONJ
ajfti-2557	130	6	indicators	indicator	NOUN
ajfti-2557	130	7	of	of	ADP
ajfti-2557	130	8	independent	independent	ADJ
ajfti-2557	130	9	variable	variable	NOUN
ajfti-2557	130	10	are	be	AUX
ajfti-2557	130	11	absolute	absolute	ADJ
ajfti-2557	130	12	,	,	PUNCT
ajfti-2557	130	13	the	the	DET
ajfti-2557	130	14	economic	economic	ADJ
ajfti-2557	130	15	growth	growth	NOUN
ajfti-2557	130	16	represented	represent	VERB
ajfti-2557	130	17	by	by	ADP
ajfti-2557	130	18	gdp	gdp	NOUN
ajfti-2557	130	19	per	per	ADP
ajfti-2557	130	20	capita	capita	NOUN
ajfti-2557	130	21	is	be	AUX
ajfti-2557	130	22	equal	equal	ADJ
ajfti-2557	130	23	to	to	ADP
ajfti-2557	130	24	0.008	0.008	NUM
ajfti-2557	130	25	units	unit	NOUN
ajfti-2557	130	26	.	.	PUNCT
ajfti-2557	131	1	as	as	SCONJ
ajfti-2557	131	2	conclusion	conclusion	NOUN
ajfti-2557	131	3	the	the	DET
ajfti-2557	131	4	null	null	ADJ
ajfti-2557	131	5	hypothesis	hypothesis	NOUN
ajfti-2557	131	6	one	one	NUM
ajfti-2557	131	7	:	:	PUNCT
ajfti-2557	131	8	there	there	PRON
ajfti-2557	131	9	is	be	VERB
ajfti-2557	131	10	no	no	DET
ajfti-2557	131	11	significant	significant	ADJ
ajfti-2557	131	12	role	role	NOUN
ajfti-2557	131	13	of	of	ADP
ajfti-2557	131	14	fintech	fintech	NOUN
ajfti-2557	131	15	on	on	ADP
ajfti-2557	131	16	economic	economic	ADJ
ajfti-2557	131	17	growth	growth	NOUN
ajfti-2557	131	18	of	of	ADP
ajfti-2557	131	19	rwanda	rwanda	PROPN
ajfti-2557	131	20	”	"	PUNCT
ajfti-2557	131	21	is	be	AUX
ajfti-2557	131	22	rejected	reject	VERB
ajfti-2557	131	23	in	in	ADP
ajfti-2557	131	24	favor	favor	NOUN
ajfti-2557	131	25	of	of	ADP
ajfti-2557	131	26	alternative	alternative	ADJ
ajfti-2557	131	27	hypothesis	hypothesis	NOUN
ajfti-2557	131	28	“	"	PUNCT
ajfti-2557	131	29	there	there	PRON
ajfti-2557	131	30	is	be	VERB
ajfti-2557	131	31	a	a	DET
ajfti-2557	131	32	significant	significant	ADJ
ajfti-2557	131	33	role	role	NOUN
ajfti-2557	131	34	of	of	ADP
ajfti-2557	131	35	fintech	fintech	NOUN
ajfti-2557	131	36	on	on	ADP
ajfti-2557	131	37	economic	economic	ADJ
ajfti-2557	131	38	growth	growth	NOUN
ajfti-2557	131	39	of	of	ADP
ajfti-2557	131	40	rwanda	rwanda	PROPN
ajfti-2557	131	41	”	"	PUNCT
ajfti-2557	131	42	.	.	PUNCT
ajfti-2557	132	1	considering	consider	VERB
ajfti-2557	132	2	null	null	ADJ
ajfti-2557	132	3	hypothesis	hypothesis	NOUN
ajfti-2557	132	4	two	two	NUM
ajfti-2557	132	5	stating	state	VERB
ajfti-2557	132	6	that	that	SCONJ
ajfti-2557	132	7	,	,	PUNCT
ajfti-2557	132	8	there	there	PRON
ajfti-2557	132	9	is	be	VERB
ajfti-2557	132	10	no	no	DET
ajfti-2557	132	11	significant	significant	ADJ
ajfti-2557	132	12	role	role	NOUN
ajfti-2557	132	13	of	of	ADP
ajfti-2557	132	14	fintech	fintech	NOUN
ajfti-2557	132	15	on	on	ADP
ajfti-2557	132	16	economic	economic	ADJ
ajfti-2557	132	17	development	development	NOUN
ajfti-2557	132	18	of	of	ADP
ajfti-2557	132	19	rwanda	rwanda	PROPN
ajfti-2557	132	20	,	,	PUNCT
ajfti-2557	132	21	the	the	DET
ajfti-2557	132	22	findings	finding	NOUN
ajfti-2557	132	23	prevail	prevail	VERB
ajfti-2557	132	24	the	the	DET
ajfti-2557	132	25	following	follow	VERB
ajfti-2557	132	26	results	result	NOUN
ajfti-2557	132	27	:	:	PUNCT
ajfti-2557	132	28	table	table	NOUN
ajfti-2557	132	29	4	4	NUM
ajfti-2557	132	30	:	:	PUNCT
ajfti-2557	132	31	coefficients	coefficient	VERB
ajfti-2557	132	32	table	table	NOUN
ajfti-2557	132	33	for	for	ADP
ajfti-2557	132	34	linear	linear	ADJ
ajfti-2557	132	35	regression	regression	NOUN
ajfti-2557	132	36	analysis	analysis	NOUN
ajfti-2557	132	37	h01	h01	PROPN
ajfti-2557	132	38	coefficientsa	coefficientsa	PROPN
ajfti-2557	132	39	model	model	VERB
ajfti-2557	132	40	unstandardized	unstandardized	ADJ
ajfti-2557	132	41	coefficients	coefficient	NOUN
ajfti-2557	132	42	standardized	standardize	VERB
ajfti-2557	132	43	coefficients	coefficient	NOUN
ajfti-2557	132	44	t	t	PROPN
ajfti-2557	132	45	sig	sig	PROPN
ajfti-2557	132	46	.	.	PUNCT
ajfti-2557	133	1	b	b	X
ajfti-2557	133	2	std	std	PROPN
ajfti-2557	133	3	.	.	NOUN
ajfti-2557	133	4	error	error	NOUN
ajfti-2557	133	5	beta	beta	NOUN
ajfti-2557	133	6	1	1	NUM
ajfti-2557	133	7	(	(	PUNCT
ajfti-2557	133	8	constant	constant	ADJ
ajfti-2557	133	9	)	)	PUNCT
ajfti-2557	133	10	.008	.008	NUM
ajfti-2557	133	11	.084	.084	NUM
ajfti-2557	133	12	.094	.094	NUM
ajfti-2557	133	13	.940	.940	NUM
ajfti-2557	133	14	information	information	NOUN
ajfti-2557	133	15	&	&	CCONJ
ajfti-2557	133	16	communication	communication	NOUN
ajfti-2557	133	17	.750	.750	NUM
ajfti-2557	133	18	1.350	1.350	NUM
ajfti-2557	133	19	1.155	1.155	NUM
ajfti-2557	133	20	.555	.555	NUM
ajfti-2557	133	21	.677	.677	NUM
ajfti-2557	133	22	mobile	mobile	ADJ
ajfti-2557	133	23	money	money	NOUN
ajfti-2557	133	24	subscribers	subscriber	NOUN
ajfti-2557	133	25	in	in	ADP
ajfti-2557	133	26	rwanda	rwanda	PROPN
ajfti-2557	133	27	3.042	3.042	NUM
ajfti-2557	133	28	2.239	2.239	NUM
ajfti-2557	133	29	6.705	6.705	NUM
ajfti-2557	133	30	1.358	1.358	NUM
ajfti-2557	133	31	.404	.404	NUM
ajfti-2557	133	32	change	change	NOUN
ajfti-2557	133	33	of	of	ADP
ajfti-2557	133	34	fintech	fintech	NOUN
ajfti-2557	133	35	start	start	NOUN
ajfti-2557	133	36	-	-	PUNCT
ajfti-2557	133	37	ups	up	NOUN
ajfti-2557	133	38	in	in	ADP
ajfti-2557	133	39	rwanda	rwanda	PROPN
ajfti-2557	133	40	-31.604	-31.604	PUNCT
ajfti-2557	134	1	26.593	26.593	NUM
ajfti-2557	134	2	-7.782	-7.782	X
ajfti-2557	134	3	-1.188	-1.188	NOUN
ajfti-2557	134	4	.445	.445	NUM
ajfti-2557	134	5	a.	a.	NOUN
ajfti-2557	134	6	dependent	dependent	ADJ
ajfti-2557	134	7	variable	variable	NOUN
ajfti-2557	134	8	:	:	PUNCT
ajfti-2557	134	9	gdp	gdp	NOUN
ajfti-2557	134	10	per	per	ADP
ajfti-2557	134	11	head	head	NOUN
ajfti-2557	134	12	table	table	NOUN
ajfti-2557	134	13	5	5	NUM
ajfti-2557	134	14	:	:	PUNCT
ajfti-2557	134	15	model	model	NOUN
ajfti-2557	134	16	summary	summary	PROPN
ajfti-2557	134	17	h02	h02	PROPN
ajfti-2557	134	18	model	model	NOUN
ajfti-2557	134	19	summary	summary	NOUN
ajfti-2557	134	20	model	model	NOUN
ajfti-2557	134	21	r	r	PROPN
ajfti-2557	134	22	r	r	NOUN
ajfti-2557	134	23	square	square	ADJ
ajfti-2557	134	24	adjusted	adjust	VERB
ajfti-2557	134	25	r	r	NOUN
ajfti-2557	134	26	square	square	ADJ
ajfti-2557	134	27	std	std	NOUN
ajfti-2557	134	28	.	.	PUNCT
ajfti-2557	135	1	error	error	NOUN
ajfti-2557	135	2	of	of	ADP
ajfti-2557	135	3	the	the	DET
ajfti-2557	135	4	estimate	estimate	NOUN
ajfti-2557	135	5	1	1	NUM
ajfti-2557	135	6	.778a	.778a	NOUN
ajfti-2557	135	7	.605	.605	NUM
ajfti-2557	136	1	-.581	-.581	PROPN
ajfti-2557	136	2	.02587	.02587	ADJ
ajfti-2557	136	3	a.	a.	NOUN
ajfti-2557	136	4	predictors	predictor	NOUN
ajfti-2557	136	5	:	:	PUNCT
ajfti-2557	136	6	(	(	PUNCT
ajfti-2557	136	7	constant	constant	ADJ
ajfti-2557	136	8	)	)	PUNCT
ajfti-2557	136	9	,	,	PUNCT
ajfti-2557	136	10	change	change	NOUN
ajfti-2557	136	11	of	of	ADP
ajfti-2557	136	12	fintech	fintech	NOUN
ajfti-2557	136	13	start	start	NOUN
ajfti-2557	136	14	-	-	PUNCT
ajfti-2557	136	15	ups	up	NOUN
ajfti-2557	136	16	in	in	ADP
ajfti-2557	136	17	rwanda	rwanda	PROPN
ajfti-2557	136	18	,	,	PUNCT
ajfti-2557	136	19	information	information	NOUN
ajfti-2557	136	20	&	&	CCONJ
ajfti-2557	136	21	communication	communication	NOUN
ajfti-2557	136	22	,	,	PUNCT
ajfti-2557	136	23	mobile	mobile	ADJ
ajfti-2557	136	24	money	money	NOUN
ajfti-2557	136	25	subscribers	subscriber	NOUN
ajfti-2557	136	26	in	in	ADP
ajfti-2557	136	27	rwanda	rwanda	PROPN
ajfti-2557	136	28	table	table	NOUN
ajfti-2557	136	29	6	6	NUM
ajfti-2557	136	30	:	:	PUNCT
ajfti-2557	136	31	anova	anova	PROPN
ajfti-2557	136	32	table	table	NOUN
ajfti-2557	136	33	for	for	ADP
ajfti-2557	136	34	the	the	DET
ajfti-2557	136	35	tested	test	VERB
ajfti-2557	136	36	variables	variable	NOUN
ajfti-2557	136	37	h02	h02	PROPN
ajfti-2557	136	38	anovaa	anovaa	PROPN
ajfti-2557	136	39	model	model	PROPN
ajfti-2557	136	40	sum	sum	NOUN
ajfti-2557	136	41	of	of	ADP
ajfti-2557	136	42	squares	square	NOUN
ajfti-2557	136	43	df	df	PROPN
ajfti-2557	136	44	mean	mean	PROPN
ajfti-2557	136	45	square	square	PROPN
ajfti-2557	136	46	f	f	PROPN
ajfti-2557	136	47	sig	sig	PROPN
ajfti-2557	136	48	.	.	PROPN
ajfti-2557	136	49	1	1	NUM
ajfti-2557	136	50	regression	regression	NOUN
ajfti-2557	136	51	.001	.001	NUM
ajfti-2557	136	52	3	3	NUM
ajfti-2557	136	53	.000	.000	NUM
ajfti-2557	136	54	.510	.510	NUM
ajfti-2557	136	55	.044b	.044b	PROPN
ajfti-2557	136	56	residual	residual	ADJ
ajfti-2557	136	57	.001	.001	NUM
ajfti-2557	136	58	1	1	NUM
ajfti-2557	136	59	.001	.001	NUM
ajfti-2557	136	60	total	total	NOUN
ajfti-2557	136	61	.002	.002	NUM
ajfti-2557	136	62	4	4	NUM
ajfti-2557	136	63	a.	a.	NOUN
ajfti-2557	136	64	dependent	dependent	ADJ
ajfti-2557	136	65	variable	variable	NOUN
ajfti-2557	136	66	:	:	PUNCT
ajfti-2557	136	67	human	human	ADJ
ajfti-2557	136	68	development	development	PROPN
ajfti-2557	136	69	index	index	PROPN
ajfti-2557	136	70	b.	b.	PROPN
ajfti-2557	136	71	predictors	predictor	NOUN
ajfti-2557	136	72	:	:	PUNCT
ajfti-2557	136	73	(	(	PUNCT
ajfti-2557	136	74	constant	constant	ADJ
ajfti-2557	136	75	)	)	PUNCT
ajfti-2557	136	76	,	,	PUNCT
ajfti-2557	136	77	change	change	NOUN
ajfti-2557	136	78	of	of	ADP
ajfti-2557	136	79	fintech	fintech	NOUN
ajfti-2557	136	80	start	start	NOUN
ajfti-2557	136	81	-	-	PUNCT
ajfti-2557	136	82	ups	up	NOUN
ajfti-2557	136	83	in	in	ADP
ajfti-2557	136	84	rwanda	rwanda	PROPN
ajfti-2557	136	85	,	,	PUNCT
ajfti-2557	136	86	information	information	NOUN
ajfti-2557	136	87	&	&	CCONJ
ajfti-2557	136	88	communication	communication	NOUN
ajfti-2557	136	89	,	,	PUNCT
ajfti-2557	136	90	mobile	mobile	ADJ
ajfti-2557	136	91	money	money	NOUN
ajfti-2557	136	92	subscribers	subscriber	NOUN
ajfti-2557	136	93	in	in	ADP
ajfti-2557	136	94	rwanda	rwanda	PROPN
ajfti-2557	136	95	from	from	ADP
ajfti-2557	136	96	table	table	NOUN
ajfti-2557	136	97	5	5	NUM
ajfti-2557	136	98	,	,	PUNCT
ajfti-2557	136	99	an	an	DET
ajfti-2557	136	100	(	(	PUNCT
ajfti-2557	136	101	r2	r2	PROPN
ajfti-2557	136	102	)	)	PUNCT
ajfti-2557	136	103	of	of	ADP
ajfti-2557	136	104	1	1	NUM
ajfti-2557	136	105	indicates	indicate	VERB
ajfti-2557	136	106	that	that	SCONJ
ajfti-2557	136	107	the	the	DET
ajfti-2557	136	108	regression	regression	NOUN
ajfti-2557	136	109	predictions	prediction	NOUN
ajfti-2557	136	110	perfectly	perfectly	ADV
ajfti-2557	136	111	fit	fit	VERB
ajfti-2557	136	112	the	the	DET
ajfti-2557	136	113	data	datum	NOUN
ajfti-2557	136	114	.	.	PUNCT
ajfti-2557	137	1	this	this	PRON
ajfti-2557	137	2	shows	show	VERB
ajfti-2557	137	3	that	that	SCONJ
ajfti-2557	137	4	,	,	PUNCT
ajfti-2557	137	5	the	the	DET
ajfti-2557	137	6	analyzed	analyze	VERB
ajfti-2557	137	7	model	model	NOUN
ajfti-2557	137	8	feet	foot	NOUN
ajfti-2557	137	9	at	at	ADP
ajfti-2557	137	10	60.5	60.5	NUM
ajfti-2557	137	11	%	%	NOUN
ajfti-2557	137	12	as	as	ADP
ajfti-2557	137	13	(	(	PUNCT
ajfti-2557	137	14	r2	r2	PROPN
ajfti-2557	137	15	)	)	PUNCT
ajfti-2557	137	16	is	be	AUX
ajfti-2557	137	17	equal	equal	ADJ
ajfti-2557	137	18	to	to	ADP
ajfti-2557	137	19	0.605	0.605	NUM
ajfti-2557	137	20	.	.	PUNCT
ajfti-2557	138	1	r	r	NOUN
ajfti-2557	138	2	is	be	AUX
ajfti-2557	138	3	also	also	ADV
ajfti-2557	138	4	equal	equal	ADJ
ajfti-2557	138	5	to	to	ADP
ajfti-2557	138	6	0.778	0.778	NUM
ajfti-2557	138	7	meaning	mean	VERB
ajfti-2557	138	8	that	that	SCONJ
ajfti-2557	138	9	,	,	PUNCT
ajfti-2557	138	10	change	change	NOUN
ajfti-2557	138	11	of	of	ADP
ajfti-2557	138	12	fintech	fintech	NOUN
ajfti-2557	138	13	start	start	NOUN
ajfti-2557	138	14	-	-	PUNCT
ajfti-2557	138	15	ups	up	NOUN
ajfti-2557	138	16	in	in	ADP
ajfti-2557	138	17	rwanda	rwanda	PROPN
ajfti-2557	138	18	,	,	PUNCT
ajfti-2557	138	19	information	information	NOUN
ajfti-2557	138	20	&	&	CCONJ
ajfti-2557	138	21	communication	communication	NOUN
ajfti-2557	138	22	,	,	PUNCT
ajfti-2557	138	23	mobile	mobile	ADJ
ajfti-2557	138	24	money	money	NOUN
ajfti-2557	138	25	subscribers	subscriber	NOUN
ajfti-2557	138	26	in	in	ADP
ajfti-2557	138	27	rwanda	rwanda	PROPN
ajfti-2557	138	28	each	each	PRON
ajfti-2557	138	29	contribute	contribute	VERB
ajfti-2557	138	30	60.5	60.5	NUM
ajfti-2557	138	31	%	%	NOUN
ajfti-2557	138	32	to	to	ADP
ajfti-2557	138	33	the	the	DET
ajfti-2557	138	34	economic	economic	ADJ
ajfti-2557	138	35	development	development	NOUN
ajfti-2557	138	36	in	in	ADP
ajfti-2557	138	37	rwanda	rwanda	PROPN
ajfti-2557	138	38	as	as	SCONJ
ajfti-2557	138	39	represented	represent	VERB
ajfti-2557	138	40	by	by	ADP
ajfti-2557	138	41	the	the	DET
ajfti-2557	138	42	human	human	PROPN
ajfti-2557	138	43	development	development	PROPN
ajfti-2557	138	44	index	index	PROPN
ajfti-2557	138	45	.	.	PUNCT
ajfti-2557	139	1	table	table	NOUN
ajfti-2557	139	2	6	6	NUM
ajfti-2557	139	3	,	,	PUNCT
ajfti-2557	139	4	the	the	DET
ajfti-2557	139	5	results	result	NOUN
ajfti-2557	139	6	show	show	VERB
ajfti-2557	139	7	that	that	SCONJ
ajfti-2557	139	8	the	the	DET
ajfti-2557	139	9	model	model	NOUN
ajfti-2557	139	10	had	have	VERB
ajfti-2557	139	11	an	an	DET
ajfti-2557	139	12	f	f	PROPN
ajfti-2557	139	13	ratio	ratio	NOUN
ajfti-2557	139	14	of	of	ADP
ajfti-2557	139	15	0.510	0.510	NUM
ajfti-2557	139	16	and	and	CCONJ
ajfti-2557	139	17	the	the	DET
ajfti-2557	139	18	p	p	NOUN
ajfti-2557	139	19	value	value	NOUN
ajfti-2557	139	20	was	be	AUX
ajfti-2557	139	21	0.044<0.05	0.044<0.05	NOUN
ajfti-2557	139	22	,	,	PUNCT
ajfti-2557	139	23	signifying	signify	VERB
ajfti-2557	139	24	that	that	SCONJ
ajfti-2557	139	25	the	the	DET
ajfti-2557	139	26	f	f	PROPN
ajfti-2557	139	27	ratio	ratio	NOUN
ajfti-2557	139	28	was	be	AUX
ajfti-2557	139	29	statistically	statistically	ADV
ajfti-2557	139	30	significant	significant	ADJ
ajfti-2557	139	31	,	,	PUNCT
ajfti-2557	139	32	therefore	therefore	ADV
ajfti-2557	139	33	the	the	DET
ajfti-2557	139	34	overall	overall	ADJ
ajfti-2557	139	35	regression	regression	NOUN
ajfti-2557	139	36	model	model	NOUN
ajfti-2557	139	37	for	for	ADP
ajfti-2557	139	38	all	all	DET
ajfti-2557	139	39	the	the	DET
ajfti-2557	139	40	variables	variable	NOUN
ajfti-2557	139	41	tested	test	VERB
ajfti-2557	139	42	were	be	AUX
ajfti-2557	139	43	statistically	statistically	ADV
ajfti-2557	139	44	significant	significant	ADJ
ajfti-2557	139	45	and	and	CCONJ
ajfti-2557	139	46	can	can	AUX
ajfti-2557	139	47	be	be	AUX
ajfti-2557	139	48	used	use	VERB
ajfti-2557	139	49	for	for	ADP
ajfti-2557	139	50	prediction	prediction	NOUN
ajfti-2557	139	51	at	at	ADP
ajfti-2557	139	52	5	5	NUM
ajfti-2557	139	53	%	%	NOUN
ajfti-2557	139	54	significant	significant	ADJ
ajfti-2557	139	55	level	level	NOUN
ajfti-2557	139	56	.	.	PUNCT
ajfti-2557	140	1	this	this	PRON
ajfti-2557	140	2	further	far	ADV
ajfti-2557	140	3	indicate	indicate	VERB
ajfti-2557	140	4	that	that	SCONJ
ajfti-2557	140	5	the	the	DET
ajfti-2557	140	6	predictors	predictor	NOUN
ajfti-2557	140	7	variables	variable	VERB
ajfti-2557	140	8	change	change	NOUN
ajfti-2557	140	9	of	of	ADP
ajfti-2557	140	10	fintech	fintech	NOUN
ajfti-2557	140	11	startups	startup	NOUN
ajfti-2557	140	12	in	in	ADP
ajfti-2557	140	13	rwanda	rwanda	PROPN
ajfti-2557	140	14	,	,	PUNCT
ajfti-2557	140	15	information	information	NOUN
ajfti-2557	140	16	&	&	CCONJ
ajfti-2557	140	17	communication	communication	NOUN
ajfti-2557	140	18	,	,	PUNCT
ajfti-2557	140	19	mobile	mobile	ADJ
ajfti-2557	140	20	money	money	NOUN
ajfti-2557	140	21	subscribers	subscriber	NOUN
ajfti-2557	140	22	in	in	ADP
ajfti-2557	140	23	rwanda	rwanda	PROPN
ajfti-2557	140	24	used	use	VERB
ajfti-2557	140	25	in	in	ADP
ajfti-2557	140	26	this	this	DET
ajfti-2557	140	27	study	study	NOUN
ajfti-2557	140	28	as	as	ADP
ajfti-2557	140	29	indicators	indicator	NOUN
ajfti-2557	140	30	of	of	ADP
ajfti-2557	140	31	fintech	fintech	NOUN
ajfti-2557	140	32	are	be	AUX
ajfti-2557	140	33	statistically	statistically	ADV
ajfti-2557	140	34	significant	significant	ADJ
ajfti-2557	140	35	to	to	ADP
ajfti-2557	140	36	the	the	DET
ajfti-2557	140	37	economic	economic	ADJ
ajfti-2557	140	38	development	development	NOUN
ajfti-2557	140	39	of	of	ADP
ajfti-2557	140	40	rwanda	rwanda	PROPN
ajfti-2557	140	41	represented	represent	VERB
ajfti-2557	140	42	by	by	ADP
ajfti-2557	140	43	human	human	PROPN
ajfti-2557	140	44	development	development	PROPN
ajfti-2557	140	45	index	index	NOUN
ajfti-2557	140	46	.	.	PUNCT
ajfti-2557	141	1	therefore	therefore	ADV
ajfti-2557	141	2	,	,	PUNCT
ajfti-2557	141	3	the	the	DET
ajfti-2557	141	4	formulated	formulate	VERB
ajfti-2557	141	5	null	null	ADJ
ajfti-2557	141	6	hypothesis	hypothesis	NOUN
ajfti-2557	141	7	starting	start	VERB
ajfti-2557	141	8	that	that	SCONJ
ajfti-2557	141	9	there	there	PRON
ajfti-2557	141	10	is	be	VERB
ajfti-2557	141	11	no	no	DET
ajfti-2557	141	12	significant	significant	ADJ
ajfti-2557	141	13	role	role	NOUN
ajfti-2557	141	14	of	of	ADP
ajfti-2557	141	15	fintech	fintech	NOUN
ajfti-2557	141	16	on	on	ADP
ajfti-2557	141	17	economic	economic	ADJ
ajfti-2557	141	18	development	development	NOUN
ajfti-2557	141	19	of	of	ADP
ajfti-2557	141	20	rwanda	rwanda	PROPN
ajfti-2557	141	21	was	be	AUX
ajfti-2557	141	22	failed	fail	VERB
ajfti-2557	141	23	to	to	PART
ajfti-2557	141	24	be	be	AUX
ajfti-2557	141	25	accepted	accept	VERB
ajfti-2557	141	26	in	in	ADP
ajfti-2557	141	27	favor	favor	NOUN
ajfti-2557	141	28	of	of	ADP
ajfti-2557	141	29	alternative	alternative	ADJ
ajfti-2557	141	30	hypothesis	hypothesis	NOUN
ajfti-2557	141	31	or	or	CCONJ
ajfti-2557	141	32	its	its	PRON
ajfti-2557	141	33	opposite	opposite	ADJ
ajfti-2557	141	34	.	.	PUNCT
ajfti-2557	141	35	table	table	NOUN
ajfti-2557	141	36	7	7	NUM
ajfti-2557	141	37	gives	give	VERB
ajfti-2557	141	38	the	the	DET
ajfti-2557	141	39	following	follow	VERB
ajfti-2557	141	40	linear	linear	PROPN
ajfti-2557	141	41	equation	equation	NOUN
ajfti-2557	141	42	:	:	PUNCT
ajfti-2557	142	1	y2=-0.017	y2=-0.017	X
ajfti-2557	143	1	+	+	NOUN
ajfti-2557	143	2	0.269x1	0.269x1	ADJ
ajfti-2557	143	3	+	+	ADJ
ajfti-2557	143	4	0.770x2	0.770x2	NOUN
ajfti-2557	143	5	-	-	PUNCT
ajfti-2557	143	6	8.329x3	8.329x3	NUM
ajfti-2557	143	7	this	this	PRON
ajfti-2557	143	8	means	mean	VERB
ajfti-2557	143	9	that	that	SCONJ
ajfti-2557	143	10	,	,	PUNCT
ajfti-2557	143	11	there	there	PRON
ajfti-2557	143	12	is	be	VERB
ajfti-2557	143	13	a	a	DET
ajfti-2557	143	14	positive	positive	ADJ
ajfti-2557	143	15	correlation	correlation	NOUN
ajfti-2557	143	16	between	between	ADP
ajfti-2557	143	17	information	information	NOUN
ajfti-2557	143	18	&	&	CCONJ
ajfti-2557	143	19	communication	communication	NOUN
ajfti-2557	143	20	,	,	PUNCT
ajfti-2557	143	21	mobile	mobile	ADJ
ajfti-2557	143	22	money	money	NOUN
ajfti-2557	143	23	subscribers	subscriber	NOUN
ajfti-2557	143	24	in	in	ADP
ajfti-2557	143	25	rwanda	rwanda	PROPN
ajfti-2557	143	26	and	and	CCONJ
ajfti-2557	143	27	negative	negative	ADJ
ajfti-2557	143	28	correlation	correlation	NOUN
ajfti-2557	143	29	with	with	ADP
ajfti-2557	143	30	change	change	NOUN
ajfti-2557	143	31	of	of	ADP
ajfti-2557	143	32	fintech	fintech	NOUN
ajfti-2557	143	33	start	start	NOUN
ajfti-2557	143	34	-	-	PUNCT
ajfti-2557	143	35	ups	up	NOUN
ajfti-2557	143	36	in	in	ADP
ajfti-2557	143	37	rwanda	rwanda	PROPN
ajfti-2557	143	38	toward	toward	ADP
ajfti-2557	143	39	the	the	DET
ajfti-2557	143	40	economic	economic	ADJ
ajfti-2557	143	41	development	development	NOUN
ajfti-2557	143	42	(	(	PUNCT
ajfti-2557	143	43	human	human	PROPN
ajfti-2557	143	44	development	development	NOUN
ajfti-2557	143	45	index	index	PROPN
ajfti-2557	143	46	)	)	PUNCT
ajfti-2557	143	47	.	.	PUNCT
ajfti-2557	144	1	in	in	ADP
ajfti-2557	144	2	other	other	ADJ
ajfti-2557	144	3	words	word	NOUN
ajfti-2557	144	4	,	,	PUNCT
ajfti-2557	144	5	one	one	NUM
ajfti-2557	144	6	unit	unit	NOUN
ajfti-2557	144	7	change	change	NOUN
ajfti-2557	144	8	from	from	ADP
ajfti-2557	144	9	the	the	DET
ajfti-2557	144	10	one	one	NUM
ajfti-2557	144	11	above	above	ADP
ajfti-2557	144	12	indicators	indicator	NOUN
ajfti-2557	144	13	(	(	PUNCT
ajfti-2557	144	14	3	3	NUM
ajfti-2557	144	15	listed	list	VERB
ajfti-2557	144	16	above	above	ADV
ajfti-2557	144	17	)	)	PUNCT
ajfti-2557	144	18	lead	lead	VERB
ajfti-2557	144	19	to	to	ADP
ajfti-2557	144	20	change	change	NOUN
ajfti-2557	144	21	of	of	ADP
ajfti-2557	144	22	0.269	0.269	NUM
ajfti-2557	144	23	;	;	PUNCT
ajfti-2557	144	24	0.770	0.770	NUM
ajfti-2557	144	25	and	and	CCONJ
ajfti-2557	144	26	-8.329	-8.329	VERB
ajfti-2557	144	27	change	change	NOUN
ajfti-2557	144	28	times	times	ADP
ajfti-2557	144	29	additional	additional	ADJ
ajfti-2557	144	30	value	value	NOUN
ajfti-2557	144	31	to	to	ADP
ajfti-2557	144	32	the	the	DET
ajfti-2557	144	33	current	current	ADJ
ajfti-2557	144	34	units	unit	NOUN
ajfti-2557	144	35	of	of	ADP
ajfti-2557	144	36	the	the	DET
ajfti-2557	144	37	pa	pa	PROPN
ajfti-2557	144	38	ge	ge	PROPN
ajfti-2557	144	39	31	31	NUM
ajfti-2557	144	40	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	NOUN
ajfti-2557	144	41	am	be	AUX
ajfti-2557	144	42	.	.	PUNCT
ajfti-2557	145	1	j.	j.	PROPN
ajfti-2557	145	2	financ	financ	PROPN
ajfti-2557	145	3	.	.	PUNCT
ajfti-2557	146	1	technol	technol	PROPN
ajfti-2557	146	2	.	.	PUNCT
ajfti-2557	146	3	innov	innov	PROPN
ajfti-2557	146	4	.	.	PUNCT
ajfti-2557	147	1	2(1	2(1	NUM
ajfti-2557	147	2	)	)	PUNCT
ajfti-2557	147	3	25	25	NUM
ajfti-2557	147	4	-	-	SYM
ajfti-2557	147	5	32	32	NUM
ajfti-2557	147	6	,	,	PUNCT
ajfti-2557	147	7	2024	2024	NUM
ajfti-2557	147	8	than	than	ADP
ajfti-2557	147	9	5	5	NUM
ajfti-2557	147	10	%	%	NOUN
ajfti-2557	147	11	level	level	NOUN
ajfti-2557	147	12	of	of	ADP
ajfti-2557	147	13	significance	significance	NOUN
ajfti-2557	147	14	.	.	PUNCT
ajfti-2557	148	1	this	this	PRON
ajfti-2557	148	2	means	mean	VERB
ajfti-2557	148	3	that	that	SCONJ
ajfti-2557	148	4	,	,	PUNCT
ajfti-2557	148	5	to	to	PART
ajfti-2557	148	6	assess	assess	VERB
ajfti-2557	148	7	the	the	DET
ajfti-2557	148	8	determinants	determinant	NOUN
ajfti-2557	148	9	of	of	ADP
ajfti-2557	148	10	economic	economic	ADJ
ajfti-2557	148	11	growth	growth	NOUN
ajfti-2557	148	12	and	and	CCONJ
ajfti-2557	148	13	economic	economic	ADJ
ajfti-2557	148	14	development	development	NOUN
ajfti-2557	148	15	,	,	PUNCT
ajfti-2557	148	16	there	there	PRON
ajfti-2557	148	17	is	be	VERB
ajfti-2557	148	18	a	a	DET
ajfti-2557	148	19	need	need	NOUN
ajfti-2557	148	20	to	to	PART
ajfti-2557	148	21	select	select	VERB
ajfti-2557	148	22	more	more	ADJ
ajfti-2557	148	23	indicators	indicator	NOUN
ajfti-2557	148	24	or	or	CCONJ
ajfti-2557	148	25	variables	variable	NOUN
ajfti-2557	148	26	rather	rather	ADV
ajfti-2557	148	27	than	than	ADP
ajfti-2557	148	28	choosing	choose	VERB
ajfti-2557	148	29	only	only	ADV
ajfti-2557	148	30	three	three	NUM
ajfti-2557	148	31	indicators	indicator	NOUN
ajfti-2557	148	32	,	,	PUNCT
ajfti-2557	148	33	as	as	SCONJ
ajfti-2557	148	34	is	be	AUX
ajfti-2557	148	35	the	the	DET
ajfti-2557	148	36	case	case	NOUN
ajfti-2557	148	37	in	in	ADP
ajfti-2557	148	38	this	this	DET
ajfti-2557	148	39	study	study	NOUN
ajfti-2557	148	40	.	.	PUNCT
ajfti-2557	149	1	references	reference	NOUN
ajfti-2557	149	2	finkelstein	finkelstein	PROPN
ajfti-2557	149	3	-	-	PUNCT
ajfti-2557	149	4	shapiro	shapiro	PROPN
ajfti-2557	149	5	,	,	PUNCT
ajfti-2557	149	6	a.	a.	NOUN
ajfti-2557	149	7	,	,	PUNCT
ajfti-2557	149	8	mandelman	mandelman	NOUN
ajfti-2557	149	9	,	,	PUNCT
ajfti-2557	149	10	f.	f.	PROPN
ajfti-2557	149	11	s.	s.	PROPN
ajfti-2557	149	12	,	,	PUNCT
ajfti-2557	149	13	&	&	CCONJ
ajfti-2557	149	14	nuguer	nuguer	PROPN
ajfti-2557	149	15	,	,	PUNCT
ajfti-2557	149	16	v.	v.	PROPN
ajfti-2557	149	17	(	(	PUNCT
ajfti-2557	149	18	2022	2022	NUM
ajfti-2557	149	19	)	)	PUNCT
ajfti-2557	149	20	.	.	PUNCT
ajfti-2557	150	1	fintech	fintech	NOUN
ajfti-2557	150	2	entry	entry	NOUN
ajfti-2557	150	3	,	,	PUNCT
ajfti-2557	150	4	firm	firm	ADJ
ajfti-2557	150	5	financial	financial	ADJ
ajfti-2557	150	6	inclusion	inclusion	NOUN
ajfti-2557	150	7	,	,	PUNCT
ajfti-2557	150	8	and	and	CCONJ
ajfti-2557	150	9	macroeconomic	macroeconomic	ADJ
ajfti-2557	150	10	dynamics	dynamic	NOUN
ajfti-2557	150	11	in	in	ADP
ajfti-2557	150	12	emerging	emerge	VERB
ajfti-2557	150	13	economies	economy	NOUN
ajfti-2557	150	14	.	.	PUNCT
ajfti-2557	151	1	https://doi.org/10.18235/0003918	https://doi.org/10.18235/0003918	PROPN
ajfti-2557	151	2	kireyeva	kireyeva	PROPN
ajfti-2557	151	3	,	,	PUNCT
ajfti-2557	151	4	a.	a.	PROPN
ajfti-2557	151	5	,	,	PUNCT
ajfti-2557	151	6	kredina	kredina	PROPN
ajfti-2557	151	7	,	,	PUNCT
ajfti-2557	151	8	a.	a.	NOUN
ajfti-2557	151	9	,	,	PUNCT
ajfti-2557	151	10	vasa	vasa	PROPN
ajfti-2557	151	11	,	,	PUNCT
ajfti-2557	151	12	l.	l.	PROPN
ajfti-2557	151	13	,	,	PUNCT
ajfti-2557	151	14	&	&	CCONJ
ajfti-2557	151	15	satpayeva	satpayeva	PROPN
ajfti-2557	151	16	,	,	PUNCT
ajfti-2557	151	17	z.	z.	PROPN
ajfti-2557	151	18	(	(	PUNCT
ajfti-2557	151	19	2021	2021	NUM
ajfti-2557	151	20	)	)	PUNCT
ajfti-2557	151	21	.	.	PUNCT
ajfti-2557	152	1	impact	impact	NOUN
ajfti-2557	152	2	of	of	ADP
ajfti-2557	152	3	financial	financial	ADJ
ajfti-2557	152	4	technologies	technology	NOUN
ajfti-2557	152	5	on	on	ADP
ajfti-2557	152	6	economic	economic	ADJ
ajfti-2557	152	7	development	development	NOUN
ajfti-2557	152	8	:	:	PUNCT
ajfti-2557	152	9	theories	theory	NOUN
ajfti-2557	152	10	,	,	PUNCT
ajfti-2557	152	11	methods	method	NOUN
ajfti-2557	152	12	and	and	CCONJ
ajfti-2557	152	13	analysis	analysis	NOUN
ajfti-2557	152	14	.	.	PUNCT
ajfti-2557	153	1	journal	journal	PROPN
ajfti-2557	153	2	of	of	ADP
ajfti-2557	153	3	international	international	ADJ
ajfti-2557	153	4	studies	study	NOUN
ajfti-2557	153	5	,	,	PUNCT
ajfti-2557	153	6	14(4	14(4	NUM
ajfti-2557	153	7	)	)	PUNCT
ajfti-2557	153	8	,	,	PUNCT
ajfti-2557	153	9	286	286	NUM
ajfti-2557	153	10	-	-	SYM
ajfti-2557	153	11	303	303	NUM
ajfti-2557	153	12	.	.	PUNCT
ajfti-2557	154	1	https://doi	https://doi	PROPN
ajfti-2557	154	2	.	.	PUNCT
ajfti-2557	154	3	org/10.14254/2071	org/10.14254/2071	NOUN
ajfti-2557	154	4	-	-	PUNCT
ajfti-2557	154	5	8330.2021/14	8330.2021/14	NOUN
ajfti-2557	154	6	-	-	PUNCT
ajfti-2557	154	7	4/19	4/19	NUM
ajfti-2557	154	8	maniriho	maniriho	NOUN
ajfti-2557	154	9	,	,	PUNCT
ajfti-2557	154	10	a.	a.	NOUN
ajfti-2557	154	11	(	(	PUNCT
ajfti-2557	154	12	2021	2021	NUM
ajfti-2557	154	13	)	)	PUNCT
ajfti-2557	154	14	.	.	PUNCT
ajfti-2557	155	1	mobile	mobile	ADJ
ajfti-2557	155	2	money	money	NOUN
ajfti-2557	155	3	for	for	ADP
ajfti-2557	155	4	financial	financial	ADJ
ajfti-2557	155	5	inclusion	inclusion	NOUN
ajfti-2557	155	6	in	in	ADP
ajfti-2557	155	7	rwanda	rwanda	NOUN
ajfti-2557	155	8	application	application	NOUN
ajfti-2557	155	9	of	of	ADP
ajfti-2557	155	10	endogenous	endogenous	ADJ
ajfti-2557	155	11	switching	switching	NOUN
ajfti-2557	155	12	regression	regression	NOUN
ajfti-2557	155	13	model	model	NOUN
ajfti-2557	155	14	.	.	PUNCT
ajfti-2557	156	1	ssrn	ssrn	PROPN
ajfti-2557	156	2	electronic	electronic	ADJ
ajfti-2557	156	3	journal	journal	NOUN
ajfti-2557	156	4	.	.	PUNCT
ajfti-2557	157	1	https://	https://	PROPN
ajfti-2557	157	2	doi.org/10.2139/ssrn.3904897	doi.org/10.2139/ssrn.3904897	PROPN
ajfti-2557	157	3	mashamba	mashamba	ADJ
ajfti-2557	157	4	,	,	PUNCT
ajfti-2557	157	5	t.	t.	PROPN
ajfti-2557	157	6	,	,	PUNCT
ajfti-2557	157	7	&	&	CCONJ
ajfti-2557	157	8	gani	gani	PROPN
ajfti-2557	157	9	,	,	PUNCT
ajfti-2557	157	10	s.	s.	PROPN
ajfti-2557	157	11	(	(	PUNCT
ajfti-2557	157	12	2023	2023	NUM
ajfti-2557	157	13	)	)	PUNCT
ajfti-2557	157	14	.	.	PUNCT
ajfti-2557	158	1	fintech	fintech	NOUN
ajfti-2557	158	2	,	,	PUNCT
ajfti-2557	158	3	bank	bank	NOUN
ajfti-2557	158	4	funding	funding	NOUN
ajfti-2557	158	5	,	,	PUNCT
ajfti-2557	158	6	and	and	CCONJ
ajfti-2557	158	7	economic	economic	ADJ
ajfti-2557	158	8	growth	growth	NOUN
ajfti-2557	158	9	in	in	ADP
ajfti-2557	158	10	sub	sub	ADJ
ajfti-2557	158	11	-	-	ADJ
ajfti-2557	158	12	saharan	saharan	ADJ
ajfti-2557	158	13	africa	africa	PROPN
ajfti-2557	158	14	.	.	PUNCT
ajfti-2557	159	1	cogent	cogent	NOUN
ajfti-2557	159	2	economics	economics	PROPN
ajfti-2557	159	3	&	&	CCONJ
ajfti-2557	159	4	finance	finance	PROPN
ajfti-2557	159	5	,	,	PUNCT
ajfti-2557	159	6	11(1	11(1	NUM
ajfti-2557	159	7	)	)	PUNCT
ajfti-2557	159	8	.	.	PUNCT
ajfti-2557	160	1	https://doi.org/10.1080/	https://doi.org/10.1080/	PROPN
ajfti-2557	160	2	23322039.2023.2225916	23322039.2023.2225916	NUM
ajfti-2557	160	3	mugabe	mugabe	PROPN
ajfti-2557	160	4	roger	roger	PROPN
ajfti-2557	160	5	,	,	PUNCT
ajfti-2557	160	6	peter	peter	PROPN
ajfti-2557	160	7	umaru	umaru	PROPN
ajfti-2557	160	8	kamara	kamara	PROPN
ajfti-2557	160	9	,	,	PUNCT
ajfti-2557	160	10	aruma	aruma	NOUN
ajfti-2557	160	11	bakarr	bakarr	NOUN
ajfti-2557	160	12	,	,	PUNCT
ajfti-2557	160	13	abdulai	abdulai	PROPN
ajfti-2557	160	14	babson	babson	PROPN
ajfti-2557	160	15	turay	turay	ADV
ajfti-2557	160	16	.	.	PUNCT
ajfti-2557	161	1	(	(	PUNCT
ajfti-2557	161	2	2021	2021	NUM
ajfti-2557	161	3	)	)	PUNCT
ajfti-2557	161	4	.	.	PUNCT
ajfti-2557	162	1	the	the	DET
ajfti-2557	162	2	link	link	NOUN
ajfti-2557	162	3	between	between	ADP
ajfti-2557	162	4	financial	financial	ADJ
ajfti-2557	162	5	development	development	NOUN
ajfti-2557	162	6	and	and	CCONJ
ajfti-2557	162	7	economic	economic	ADJ
ajfti-2557	162	8	growth	growth	NOUN
ajfti-2557	162	9	:	:	PUNCT
ajfti-2557	162	10	case	case	NOUN
ajfti-2557	162	11	of	of	ADP
ajfti-2557	162	12	rwanda	rwanda	PROPN
ajfti-2557	162	13	.	.	PUNCT
ajfti-2557	163	1	international	international	ADJ
ajfti-2557	163	2	research	research	PROPN
ajfti-2557	163	3	journal	journal	NOUN
ajfti-2557	163	4	of	of	ADP
ajfti-2557	163	5	innovations	innovation	NOUN
ajfti-2557	163	6	in	in	ADP
ajfti-2557	163	7	engineering	engineering	NOUN
ajfti-2557	163	8	and	and	CCONJ
ajfti-2557	163	9	technology	technology	NOUN
ajfti-2557	163	10	(	(	PUNCT
ajfti-2557	163	11	irjiet	irjiet	NOUN
ajfti-2557	163	12	)	)	PUNCT
ajfti-2557	163	13	,	,	PUNCT
ajfti-2557	163	14	5(2	5(2	NUM
ajfti-2557	163	15	)	)	PUNCT
ajfti-2557	163	16	,	,	PUNCT
ajfti-2557	163	17	97	97	NUM
ajfti-2557	163	18	-	-	SYM
ajfti-2557	163	19	102	102	NUM
ajfti-2557	163	20	.	.	PUNCT
ajfti-2557	164	1	https://doi.org/10.47001/	https://doi.org/10.47001/	PROPN
ajfti-2557	164	2	irjiet/2021.502014	irjiet/2021.502014	PROPN
ajfti-2557	164	3	nicole	nicole	PROPN
ajfti-2557	164	4	masaryk	masaryk	PROPN
ajfti-2557	164	5	,	,	PUNCT
ajfti-2557	164	6	i.	i.	PROPN
ajfti-2557	164	7	s.	s.	PROPN
ajfti-2557	164	8	(	(	PUNCT
ajfti-2557	164	9	2021	2021	NUM
ajfti-2557	164	10	)	)	PUNCT
ajfti-2557	164	11	.	.	PUNCT
ajfti-2557	165	1	role	role	NOUN
ajfti-2557	165	2	of	of	ADP
ajfti-2557	165	3	capital	capital	NOUN
ajfti-2557	165	4	market	market	NOUN
ajfti-2557	165	5	in	in	ADP
ajfti-2557	165	6	the	the	DET
ajfti-2557	165	7	economic	economic	ADJ
ajfti-2557	165	8	growth	growth	NOUN
ajfti-2557	165	9	of	of	ADP
ajfti-2557	165	10	rwanda	rwanda	PROPN
ajfti-2557	165	11	[	[	X
ajfti-2557	165	12	master	master	NOUN
ajfti-2557	165	13	’s	’s	PART
ajfti-2557	165	14	thesis	thesis	NOUN
ajfti-2557	165	15	]	]	X
ajfti-2557	165	16	.	.	PUNCT
ajfti-2557	166	1	https://is.muni.cz/th/a4930/master_thesis	https://is.muni.cz/th/a4930/master_thesis	NOUN
ajfti-2557	166	2	_	_	PUNCT
ajfti-2557	166	3	ishimwe_sambwe_nicole.pdf	ishimwe_sambwe_nicole.pdf	NOUN
ajfti-2557	166	4	njenga	njenga	ADV
ajfti-2557	166	5	,	,	PUNCT
ajfti-2557	166	6	g.	g.	NOUN
ajfti-2557	166	7	,	,	PUNCT
ajfti-2557	166	8	machagua	machagua	NOUN
ajfti-2557	166	9	,	,	PUNCT
ajfti-2557	166	10	j.	j.	PROPN
ajfti-2557	166	11	,	,	PUNCT
ajfti-2557	166	12	&	&	CCONJ
ajfti-2557	166	13	gachanja	gachanja	PROPN
ajfti-2557	166	14	,	,	PUNCT
ajfti-2557	166	15	s.	s.	PROPN
ajfti-2557	166	16	(	(	PUNCT
ajfti-2557	166	17	2022	2022	NUM
ajfti-2557	166	18	)	)	PUNCT
ajfti-2557	166	19	.	.	PUNCT
ajfti-2557	167	1	capital	capital	NOUN
ajfti-2557	167	2	markets	market	NOUN
ajfti-2557	167	3	in	in	ADP
ajfti-2557	167	4	sub	sub	ADJ
ajfti-2557	167	5	-	-	ADJ
ajfti-2557	167	6	saharan	saharan	ADJ
ajfti-2557	167	7	africa	africa	PROPN
ajfti-2557	167	8	.	.	PUNCT
ajfti-2557	168	1	wider	wide	ADJ
ajfti-2557	168	2	working	working	NOUN
ajfti-2557	168	3	paper	paper	NOUN
ajfti-2557	168	4	.	.	PUNCT
ajfti-2557	169	1	https://doi.org/10.35188/unuwider/2022/246-1	https://doi.org/10.35188/unuwider/2022/246-1	PROPN
ajfti-2557	169	2	parvez	parvez	PROPN
ajfti-2557	169	3	,	,	PUNCT
ajfti-2557	169	4	m.	m.	NOUN
ajfti-2557	169	5	a.	a.	PROPN
ajfti-2557	169	6	,	,	PUNCT
ajfti-2557	169	7	katha	katha	PROPN
ajfti-2557	169	8	,	,	PUNCT
ajfti-2557	169	9	e.	e.	PROPN
ajfti-2557	169	10	h.	h.	PROPN
ajfti-2557	169	11	,	,	PUNCT
ajfti-2557	169	12	shaeba	shaeba	PROPN
ajfti-2557	169	13	,	,	PUNCT
ajfti-2557	169	14	m.	m.	NOUN
ajfti-2557	169	15	k.	k.	PROPN
ajfti-2557	169	16	,	,	PUNCT
ajfti-2557	169	17	&	&	CCONJ
ajfti-2557	169	18	hossain	hossain	PROPN
ajfti-2557	169	19	,	,	PUNCT
ajfti-2557	169	20	m.	m.	NOUN
ajfti-2557	169	21	s.	s.	PROPN
ajfti-2557	169	22	(	(	PUNCT
ajfti-2557	169	23	2023	2023	NUM
ajfti-2557	169	24	)	)	PUNCT
ajfti-2557	169	25	.	.	PUNCT
ajfti-2557	170	1	fintech	fintech	NOUN
ajfti-2557	170	2	and	and	CCONJ
ajfti-2557	170	3	inclusive	inclusive	ADJ
ajfti-2557	170	4	growth	growth	NOUN
ajfti-2557	170	5	:	:	PUNCT
ajfti-2557	170	6	evidence	evidence	NOUN
ajfti-2557	170	7	from	from	ADP
ajfti-2557	170	8	25	25	NUM
ajfti-2557	170	9	asian	asian	ADJ
ajfti-2557	170	10	developing	develop	VERB
ajfti-2557	170	11	countries	country	NOUN
ajfti-2557	170	12	.	.	PUNCT
ajfti-2557	171	1	https://doi	https://doi	X
ajfti-2557	171	2	.	.	PUNCT
ajfti-2557	171	3	org/10.56506	org/10.56506	NOUN
ajfti-2557	171	4	/	/	SYM
ajfti-2557	171	5	qmhr3332	qmhr3332	PROPN
ajfti-2557	171	6	rwanda	rwanda	PROPN
ajfti-2557	171	7	economic	economic	ADJ
ajfti-2557	171	8	update	update	NOUN
ajfti-2557	171	9	,	,	PUNCT
ajfti-2557	171	10	january	january	PROPN
ajfti-2557	171	11	2020	2020	NUM
ajfti-2557	171	12	.	.	PUNCT
ajfti-2557	172	1	(	(	PUNCT
ajfti-2557	172	2	2020	2020	NUM
ajfti-2557	172	3	)	)	PUNCT
ajfti-2557	172	4	.	.	PUNCT
ajfti-2557	173	1	https://	https://	PROPN
ajfti-2557	173	2	doi.org/10.1596/33247	doi.org/10.1596/33247	PROPN
ajfti-2557	173	3	human	human	ADJ
ajfti-2557	173	4	development	development	NOUN
ajfti-2557	173	5	index	index	NOUN
ajfti-2557	173	6	or	or	CCONJ
ajfti-2557	173	7	economic	economic	ADJ
ajfti-2557	173	8	development	development	NOUN
ajfti-2557	173	9	.	.	PUNCT
ajfti-2557	174	1	in	in	ADP
ajfti-2557	174	2	other	other	ADJ
ajfti-2557	174	3	words	word	NOUN
ajfti-2557	174	4	,	,	PUNCT
ajfti-2557	174	5	once	once	SCONJ
ajfti-2557	174	6	indicators	indicator	NOUN
ajfti-2557	174	7	of	of	ADP
ajfti-2557	174	8	independent	independent	ADJ
ajfti-2557	174	9	variable	variable	NOUN
ajfti-2557	174	10	are	be	AUX
ajfti-2557	174	11	absolute	absolute	ADJ
ajfti-2557	174	12	,	,	PUNCT
ajfti-2557	174	13	the	the	DET
ajfti-2557	174	14	economic	economic	ADJ
ajfti-2557	174	15	development	development	NOUN
ajfti-2557	174	16	represented	represent	VERB
ajfti-2557	174	17	by	by	ADP
ajfti-2557	174	18	human	human	PROPN
ajfti-2557	174	19	development	development	NOUN
ajfti-2557	174	20	index	index	NOUN
ajfti-2557	174	21	is	be	AUX
ajfti-2557	174	22	equal	equal	ADJ
ajfti-2557	174	23	to	to	ADP
ajfti-2557	174	24	-0.17	-0.17	ADJ
ajfti-2557	174	25	units	unit	NOUN
ajfti-2557	174	26	.	.	PUNCT
ajfti-2557	175	1	as	as	SCONJ
ajfti-2557	175	2	conclusion	conclusion	NOUN
ajfti-2557	175	3	the	the	DET
ajfti-2557	175	4	null	null	ADJ
ajfti-2557	175	5	hypothesis	hypothesis	NOUN
ajfti-2557	175	6	one	one	NUM
ajfti-2557	175	7	:	:	PUNCT
ajfti-2557	175	8	there	there	PRON
ajfti-2557	175	9	is	be	VERB
ajfti-2557	175	10	no	no	DET
ajfti-2557	175	11	significant	significant	ADJ
ajfti-2557	175	12	role	role	NOUN
ajfti-2557	175	13	of	of	ADP
ajfti-2557	175	14	fintech	fintech	NOUN
ajfti-2557	175	15	on	on	ADP
ajfti-2557	175	16	economic	economic	ADJ
ajfti-2557	175	17	development	development	NOUN
ajfti-2557	175	18	of	of	ADP
ajfti-2557	175	19	rwanda	rwanda	PROPN
ajfti-2557	175	20	”	"	PUNCT
ajfti-2557	175	21	is	be	AUX
ajfti-2557	175	22	rejected	reject	VERB
ajfti-2557	175	23	in	in	ADP
ajfti-2557	175	24	favor	favor	NOUN
ajfti-2557	175	25	of	of	ADP
ajfti-2557	175	26	alternative	alternative	ADJ
ajfti-2557	175	27	hypothesis	hypothesis	NOUN
ajfti-2557	175	28	“	"	PUNCT
ajfti-2557	175	29	there	there	PRON
ajfti-2557	175	30	is	be	VERB
ajfti-2557	175	31	a	a	DET
ajfti-2557	175	32	significant	significant	ADJ
ajfti-2557	175	33	role	role	NOUN
ajfti-2557	175	34	of	of	ADP
ajfti-2557	175	35	fintech	fintech	NOUN
ajfti-2557	175	36	on	on	ADP
ajfti-2557	175	37	economic	economic	ADJ
ajfti-2557	175	38	development	development	NOUN
ajfti-2557	175	39	of	of	ADP
ajfti-2557	175	40	rwanda	rwanda	PROPN
ajfti-2557	175	41	”	"	PUNCT
ajfti-2557	175	42	.	.	PUNCT
ajfti-2557	176	1	the	the	DET
ajfti-2557	176	2	study	study	NOUN
ajfti-2557	176	3	results	result	NOUN
ajfti-2557	176	4	give	give	VERB
ajfti-2557	176	5	confidence	confidence	NOUN
ajfti-2557	176	6	to	to	ADP
ajfti-2557	176	7	the	the	DET
ajfti-2557	176	8	study	study	NOUN
ajfti-2557	176	9	to	to	PART
ajfti-2557	176	10	confirm	confirm	VERB
ajfti-2557	176	11	that	that	SCONJ
ajfti-2557	176	12	there	there	PRON
ajfti-2557	176	13	is	be	VERB
ajfti-2557	176	14	a	a	DET
ajfti-2557	176	15	significant	significant	ADJ
ajfti-2557	176	16	role	role	NOUN
ajfti-2557	176	17	of	of	ADP
ajfti-2557	176	18	fintech	fintech	NOUN
ajfti-2557	176	19	in	in	ADP
ajfti-2557	176	20	the	the	DET
ajfti-2557	176	21	economic	economic	ADJ
ajfti-2557	176	22	growth	growth	NOUN
ajfti-2557	176	23	and	and	CCONJ
ajfti-2557	176	24	development	development	NOUN
ajfti-2557	176	25	in	in	ADP
ajfti-2557	176	26	rwanda	rwanda	PROPN
ajfti-2557	176	27	,	,	PUNCT
ajfti-2557	176	28	however	however	ADV
ajfti-2557	176	29	based	base	VERB
ajfti-2557	176	30	on	on	ADP
ajfti-2557	176	31	the	the	DET
ajfti-2557	176	32	indicators	indicator	NOUN
ajfti-2557	176	33	selected	select	VERB
ajfti-2557	176	34	,	,	PUNCT
ajfti-2557	176	35	it	it	PRON
ajfti-2557	176	36	was	be	AUX
ajfti-2557	176	37	not	not	PART
ajfti-2557	176	38	for	for	ADP
ajfti-2557	176	39	all	all	DET
ajfti-2557	176	40	indicators	indicator	NOUN
ajfti-2557	176	41	where	where	SCONJ
ajfti-2557	176	42	growth	growth	NOUN
ajfti-2557	176	43	of	of	ADP
ajfti-2557	176	44	number	number	NOUN
ajfti-2557	176	45	of	of	ADP
ajfti-2557	176	46	fintech	fintech	NOUN
ajfti-2557	176	47	start	start	NOUN
ajfti-2557	176	48	-	-	PUNCT
ajfti-2557	176	49	ups	up	NOUN
ajfti-2557	176	50	in	in	ADP
ajfti-2557	176	51	rwanda	rwanda	PROPN
ajfti-2557	176	52	present	present	ADJ
ajfti-2557	176	53	negative	negative	ADJ
ajfti-2557	176	54	correlation	correlation	NOUN
ajfti-2557	176	55	with	with	ADP
ajfti-2557	176	56	economic	economic	ADJ
ajfti-2557	176	57	growth	growth	NOUN
ajfti-2557	176	58	and	and	CCONJ
ajfti-2557	176	59	development	development	NOUN
ajfti-2557	176	60	of	of	ADP
ajfti-2557	176	61	rwanda	rwanda	PROPN
ajfti-2557	176	62	.	.	PUNCT
ajfti-2557	177	1	in	in	ADP
ajfti-2557	177	2	other	other	ADJ
ajfti-2557	177	3	case	case	NOUN
ajfti-2557	177	4	for	for	ADP
ajfti-2557	177	5	all	all	DET
ajfti-2557	177	6	tested	test	VERB
ajfti-2557	177	7	indicators	indicator	NOUN
ajfti-2557	177	8	,	,	PUNCT
ajfti-2557	177	9	the	the	DET
ajfti-2557	177	10	role	role	NOUN
ajfti-2557	177	11	or	or	CCONJ
ajfti-2557	177	12	correlation	correlation	NOUN
ajfti-2557	177	13	is	be	AUX
ajfti-2557	177	14	not	not	PART
ajfti-2557	177	15	statistical	statistical	ADJ
ajfti-2557	177	16	significant	significant	ADJ
ajfti-2557	177	17	as	as	ADP
ajfti-2557	177	18	all	all	DET
ajfti-2557	177	19	p	p	NOUN
ajfti-2557	177	20	-	-	PUNCT
ajfti-2557	177	21	values	value	NOUN
ajfti-2557	177	22	for	for	ADP
ajfti-2557	177	23	specific	specific	ADJ
ajfti-2557	177	24	indicators	indicator	NOUN
ajfti-2557	177	25	(	(	PUNCT
ajfti-2557	177	26	3	3	NUM
ajfti-2557	177	27	from	from	ADP
ajfti-2557	177	28	independent	independent	ADJ
ajfti-2557	177	29	variable	variable	NOUN
ajfti-2557	177	30	)	)	PUNCT
ajfti-2557	177	31	present	present	ADJ
ajfti-2557	177	32	value	value	NOUN
ajfti-2557	177	33	greater	great	ADJ
ajfti-2557	177	34	than	than	ADP
ajfti-2557	177	35	0.5	0.5	NUM
ajfti-2557	177	36	%	%	NOUN
ajfti-2557	177	37	.	.	PUNCT
ajfti-2557	178	1	as	as	SCONJ
ajfti-2557	178	2	explained	explain	VERB
ajfti-2557	178	3	by	by	ADP
ajfti-2557	178	4	(	(	PUNCT
ajfti-2557	178	5	hashem	hashem	PROPN
ajfti-2557	178	6	,	,	PUNCT
ajfti-2557	178	7	2023	2023	NUM
ajfti-2557	178	8	)	)	PUNCT
ajfti-2557	178	9	economic	economic	ADJ
ajfti-2557	178	10	growth	growth	NOUN
ajfti-2557	178	11	and	and	CCONJ
ajfti-2557	178	12	development	development	NOUN
ajfti-2557	178	13	are	be	AUX
ajfti-2557	178	14	large	large	ADJ
ajfti-2557	178	15	components	component	NOUN
ajfti-2557	178	16	which	which	PRON
ajfti-2557	178	17	can	can	AUX
ajfti-2557	178	18	not	not	PART
ajfti-2557	178	19	be	be	AUX
ajfti-2557	178	20	explained	explain	VERB
ajfti-2557	178	21	by	by	ADP
ajfti-2557	178	22	a	a	DET
ajfti-2557	178	23	single	single	ADJ
ajfti-2557	178	24	and	and	CCONJ
ajfti-2557	178	25	small	small	ADJ
ajfti-2557	178	26	indicators	indicator	NOUN
ajfti-2557	178	27	as	as	ADP
ajfti-2557	178	28	three	three	NUM
ajfti-2557	178	29	above	above	ADP
ajfti-2557	178	30	selected	select	VERB
ajfti-2557	178	31	indicators	indicator	NOUN
ajfti-2557	178	32	.	.	PUNCT
ajfti-2557	179	1	meaning	mean	VERB
ajfti-2557	179	2	that	that	SCONJ
ajfti-2557	179	3	,	,	PUNCT
ajfti-2557	179	4	considering	consider	VERB
ajfti-2557	179	5	a	a	DET
ajfti-2557	179	6	fintech	fintech	NOUN
ajfti-2557	179	7	as	as	ADP
ajfti-2557	179	8	main	main	ADJ
ajfti-2557	179	9	engine	engine	NOUN
ajfti-2557	179	10	for	for	ADP
ajfti-2557	179	11	economic	economic	ADJ
ajfti-2557	179	12	growth	growth	NOUN
ajfti-2557	179	13	and	and	CCONJ
ajfti-2557	179	14	economic	economic	ADJ
ajfti-2557	179	15	development	development	NOUN
ajfti-2557	179	16	can	can	AUX
ajfti-2557	179	17	mislead	mislead	VERB
ajfti-2557	179	18	policy	policy	NOUN
ajfti-2557	179	19	makers	maker	NOUN
ajfti-2557	179	20	.	.	PUNCT
ajfti-2557	180	1	conclusion	conclusion	VERB
ajfti-2557	180	2	the	the	DET
ajfti-2557	180	3	conclusion	conclusion	NOUN
ajfti-2557	180	4	of	of	ADP
ajfti-2557	180	5	the	the	DET
ajfti-2557	180	6	study	study	NOUN
ajfti-2557	180	7	relies	rely	VERB
ajfti-2557	180	8	on	on	ADP
ajfti-2557	180	9	the	the	DET
ajfti-2557	180	10	acceptance	acceptance	NOUN
ajfti-2557	180	11	or	or	CCONJ
ajfti-2557	180	12	fail	fail	VERB
ajfti-2557	180	13	to	to	PART
ajfti-2557	180	14	accept	accept	VERB
ajfti-2557	180	15	study	study	NOUN
ajfti-2557	180	16	hypothesizes	hypothesize	VERB
ajfti-2557	180	17	.	.	PUNCT
ajfti-2557	181	1	the	the	DET
ajfti-2557	181	2	main	main	ADJ
ajfti-2557	181	3	study	study	NOUN
ajfti-2557	181	4	hypothesis	hypothesis	NOUN
ajfti-2557	181	5	was	be	AUX
ajfti-2557	181	6	divided	divide	VERB
ajfti-2557	181	7	into	into	ADP
ajfti-2557	181	8	hypothesis	hypothesis	NOUN
ajfti-2557	181	9	for	for	ADP
ajfti-2557	181	10	easy	easy	ADJ
ajfti-2557	181	11	analysis	analysis	NOUN
ajfti-2557	181	12	of	of	ADP
ajfti-2557	181	13	data	datum	NOUN
ajfti-2557	181	14	,	,	PUNCT
ajfti-2557	181	15	and	and	CCONJ
ajfti-2557	181	16	this	this	PRON
ajfti-2557	181	17	has	have	AUX
ajfti-2557	181	18	simplified	simplify	VERB
ajfti-2557	181	19	and	and	CCONJ
ajfti-2557	181	20	lead	lead	VERB
ajfti-2557	181	21	to	to	ADP
ajfti-2557	181	22	provision	provision	NOUN
ajfti-2557	181	23	of	of	ADP
ajfti-2557	181	24	two	two	NUM
ajfti-2557	181	25	hypotheses	hypothesis	NOUN
ajfti-2557	181	26	one	one	NUM
ajfti-2557	181	27	for	for	ADP
ajfti-2557	181	28	the	the	DET
ajfti-2557	181	29	role	role	NOUN
ajfti-2557	181	30	of	of	ADP
ajfti-2557	181	31	fintech	fintech	NOUN
ajfti-2557	181	32	on	on	ADP
ajfti-2557	181	33	the	the	DET
ajfti-2557	181	34	economic	economic	ADJ
ajfti-2557	181	35	growth	growth	NOUN
ajfti-2557	181	36	of	of	ADP
ajfti-2557	181	37	rwanda	rwanda	PROPN
ajfti-2557	181	38	and	and	CCONJ
ajfti-2557	181	39	the	the	DET
ajfti-2557	181	40	second	second	ADJ
ajfti-2557	181	41	on	on	ADP
ajfti-2557	181	42	the	the	DET
ajfti-2557	181	43	role	role	NOUN
ajfti-2557	181	44	of	of	ADP
ajfti-2557	181	45	fintech	fintech	NOUN
ajfti-2557	181	46	on	on	ADP
ajfti-2557	181	47	the	the	DET
ajfti-2557	181	48	economic	economic	ADJ
ajfti-2557	181	49	development	development	NOUN
ajfti-2557	181	50	of	of	ADP
ajfti-2557	181	51	rwanda	rwanda	PROPN
ajfti-2557	181	52	.	.	PUNCT
ajfti-2557	182	1	data	datum	NOUN
ajfti-2557	182	2	analysis	analysis	NOUN
ajfti-2557	182	3	generally	generally	ADV
ajfti-2557	182	4	has	have	AUX
ajfti-2557	182	5	concluded	conclude	VERB
ajfti-2557	182	6	by	by	ADP
ajfti-2557	182	7	rejecting	reject	VERB
ajfti-2557	182	8	both	both	DET
ajfti-2557	182	9	null	null	ADJ
ajfti-2557	182	10	hypothesis	hypothesis	NOUN
ajfti-2557	182	11	and	and	CCONJ
ajfti-2557	182	12	the	the	DET
ajfti-2557	182	13	results	result	NOUN
ajfti-2557	182	14	made	make	VERB
ajfti-2557	182	15	the	the	DET
ajfti-2557	182	16	study	study	NOUN
ajfti-2557	182	17	to	to	PART
ajfti-2557	182	18	conclude	conclude	VERB
ajfti-2557	182	19	that	that	SCONJ
ajfti-2557	182	20	,	,	PUNCT
ajfti-2557	182	21	there	there	PRON
ajfti-2557	182	22	is	be	VERB
ajfti-2557	182	23	significant	significant	ADJ
ajfti-2557	182	24	role	role	NOUN
ajfti-2557	182	25	of	of	ADP
ajfti-2557	182	26	fintech	fintech	NOUN
ajfti-2557	182	27	on	on	ADP
ajfti-2557	182	28	economic	economic	ADJ
ajfti-2557	182	29	growth	growth	NOUN
ajfti-2557	182	30	and	and	CCONJ
ajfti-2557	182	31	development	development	NOUN
ajfti-2557	182	32	of	of	ADP
ajfti-2557	182	33	rwanda	rwanda	PROPN
ajfti-2557	182	34	,	,	PUNCT
ajfti-2557	182	35	but	but	CCONJ
ajfti-2557	182	36	going	go	VERB
ajfti-2557	182	37	on	on	ADP
ajfti-2557	182	38	indicator	indicator	NOUN
ajfti-2557	182	39	to	to	ADP
ajfti-2557	182	40	indicator	indicator	NOUN
ajfti-2557	182	41	there	there	PRON
ajfti-2557	182	42	is	be	VERB
ajfti-2557	182	43	an	an	DET
ajfti-2557	182	44	insufficiency	insufficiency	NOUN
ajfti-2557	182	45	evidence	evidence	NOUN
ajfti-2557	182	46	to	to	PART
ajfti-2557	182	47	confirm	confirm	VERB
ajfti-2557	182	48	the	the	DET
ajfti-2557	182	49	correlation	correlation	NOUN
ajfti-2557	182	50	between	between	ADP
ajfti-2557	182	51	growth	growth	NOUN
ajfti-2557	182	52	of	of	ADP
ajfti-2557	182	53	number	number	NOUN
ajfti-2557	182	54	of	of	ADP
ajfti-2557	182	55	fintech	fintech	NOUN
ajfti-2557	182	56	start	start	NOUN
ajfti-2557	182	57	-	-	PUNCT
ajfti-2557	182	58	ups	up	NOUN
ajfti-2557	182	59	in	in	ADP
ajfti-2557	182	60	rwanda	rwanda	PROPN
ajfti-2557	182	61	on	on	ADP
ajfti-2557	182	62	economic	economic	ADJ
ajfti-2557	182	63	growth	growth	NOUN
ajfti-2557	182	64	and	and	CCONJ
ajfti-2557	182	65	development	development	NOUN
ajfti-2557	182	66	of	of	ADP
ajfti-2557	182	67	rwanda	rwanda	PROPN
ajfti-2557	182	68	as	as	ADP
ajfti-2557	182	69	the	the	DET
ajfti-2557	182	70	correlation	correlation	NOUN
ajfti-2557	182	71	between	between	ADP
ajfti-2557	182	72	these	these	DET
ajfti-2557	182	73	variables	variable	NOUN
ajfti-2557	182	74	remain	remain	VERB
ajfti-2557	182	75	negative	negative	ADJ
ajfti-2557	182	76	.	.	PUNCT
ajfti-2557	183	1	in	in	ADP
ajfti-2557	183	2	other	other	ADJ
ajfti-2557	183	3	case	case	NOUN
ajfti-2557	183	4	for	for	ADP
ajfti-2557	183	5	all	all	DET
ajfti-2557	183	6	three	three	NUM
ajfti-2557	183	7	variables	variable	NOUN
ajfti-2557	183	8	,	,	PUNCT
ajfti-2557	183	9	the	the	DET
ajfti-2557	183	10	coefficient	coefficient	NOUN
ajfti-2557	183	11	table	table	NOUN
ajfti-2557	183	12	has	have	AUX
ajfti-2557	183	13	provided	provide	VERB
ajfti-2557	183	14	none	none	NOUN
ajfti-2557	183	15	statistically	statistically	ADV
ajfti-2557	183	16	significance	significance	NOUN
ajfti-2557	183	17	relationship	relationship	NOUN
ajfti-2557	183	18	as	as	ADP
ajfti-2557	183	19	all	all	DET
ajfti-2557	183	20	p	p	NOUN
ajfti-2557	183	21	-	-	PUNCT
ajfti-2557	183	22	values	value	NOUN
ajfti-2557	183	23	are	be	AUX
ajfti-2557	183	24	less	less	ADJ
ajfti-2557	183	25	table	table	NOUN
ajfti-2557	183	26	7	7	NUM
ajfti-2557	183	27	:	:	PUNCT
ajfti-2557	183	28	coefficients	coefficient	NOUN
ajfti-2557	183	29	table	table	NOUN
ajfti-2557	183	30	for	for	ADP
ajfti-2557	183	31	linear	linear	ADJ
ajfti-2557	183	32	regression	regression	NOUN
ajfti-2557	183	33	analysis	analysis	NOUN
ajfti-2557	183	34	h02	h02	NOUN
ajfti-2557	183	35	coefficientsa	coefficientsa	NOUN
ajfti-2557	183	36	model	model	VERB
ajfti-2557	183	37	unstandardized	unstandardized	ADJ
ajfti-2557	183	38	coefficients	coefficient	NOUN
ajfti-2557	183	39	standardized	standardize	VERB
ajfti-2557	183	40	coefficients	coefficient	NOUN
ajfti-2557	183	41	t	t	PROPN
ajfti-2557	183	42	sig	sig	PROPN
ajfti-2557	183	43	.	.	PUNCT
ajfti-2557	184	1	b	b	X
ajfti-2557	184	2	std	std	PROPN
ajfti-2557	184	3	.	.	NOUN
ajfti-2557	184	4	error	error	NOUN
ajfti-2557	184	5	beta	beta	NOUN
ajfti-2557	184	6	1	1	NUM
ajfti-2557	184	7	(	(	PUNCT
ajfti-2557	184	8	constant	constant	ADJ
ajfti-2557	184	9	)	)	PUNCT
ajfti-2557	184	10	-.017	-.017	NOUN
ajfti-2557	184	11	.029	.029	NUM
ajfti-2557	185	1	-.582	-.582	ADP
ajfti-2557	185	2	.664	.664	NUM
ajfti-2557	185	3	information	information	NOUN
ajfti-2557	185	4	&	&	CCONJ
ajfti-2557	185	5	communication	communication	NOUN
ajfti-2557	185	6	.269	.269	NUM
ajfti-2557	185	7	.476	.476	NUM
ajfti-2557	185	8	1.742	1.742	NUM
ajfti-2557	185	9	.565	.565	NUM
ajfti-2557	185	10	.673	.673	NUM
ajfti-2557	185	11	mobile	mobile	ADJ
ajfti-2557	185	12	money	money	NOUN
ajfti-2557	185	13	subscribers	subscriber	NOUN
ajfti-2557	185	14	in	in	ADP
ajfti-2557	185	15	rwanda	rwanda	PROPN
ajfti-2557	185	16	.770	.770	NUM
ajfti-2557	185	17	.789	.789	NUM
ajfti-2557	185	18	7.133	7.133	NUM
ajfti-2557	185	19	.975	.975	NUM
ajfti-2557	185	20	.508	.508	NUM
ajfti-2557	185	21	change	change	NOUN
ajfti-2557	185	22	of	of	ADP
ajfti-2557	185	23	fintech	fintech	NOUN
ajfti-2557	185	24	start	start	NOUN
ajfti-2557	185	25	-	-	PUNCT
ajfti-2557	185	26	ups	up	NOUN
ajfti-2557	185	27	in	in	ADP
ajfti-2557	185	28	rwanda	rwanda	PROPN
ajfti-2557	185	29	-8.329	-8.329	PUNCT
ajfti-2557	185	30	9.373	9.373	NUM
ajfti-2557	185	31	-8.621	-8.621	NUM
ajfti-2557	186	1	-.889	-.889	PROPN
ajfti-2557	186	2	.538	.538	NUM
ajfti-2557	186	3	a.	a.	NOUN
ajfti-2557	186	4	dependent	dependent	ADJ
ajfti-2557	186	5	variable	variable	NOUN
ajfti-2557	186	6	:	:	PUNCT
ajfti-2557	186	7	gdp	gdp	NOUN
ajfti-2557	186	8	per	per	ADP
ajfti-2557	186	9	head	head	NOUN
ajfti-2557	186	10	pa	pa	PROPN
ajfti-2557	186	11	ge	ge	PROPN
ajfti-2557	186	12	32	32	NUM
ajfti-2557	186	13	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	NOUN
ajfti-2557	186	14	am	be	AUX
ajfti-2557	186	15	.	.	PUNCT
ajfti-2557	187	1	j.	j.	PROPN
ajfti-2557	187	2	financ	financ	PROPN
ajfti-2557	187	3	.	.	PUNCT
ajfti-2557	188	1	technol	technol	PROPN
ajfti-2557	188	2	.	.	PUNCT
ajfti-2557	188	3	innov	innov	PROPN
ajfti-2557	188	4	.	.	PUNCT
ajfti-2557	189	1	2(1	2(1	NUM
ajfti-2557	189	2	)	)	PUNCT
ajfti-2557	189	3	25	25	NUM
ajfti-2557	189	4	-	-	SYM
ajfti-2557	189	5	32	32	NUM
ajfti-2557	189	6	,	,	PUNCT
ajfti-2557	189	7	2024	2024	NUM
ajfti-2557	189	8	sheng	sheng	NOUN
ajfti-2557	189	9	,	,	PUNCT
ajfti-2557	189	10	t.	t.	PROPN
ajfti-2557	189	11	(	(	PUNCT
ajfti-2557	189	12	2021	2021	NUM
ajfti-2557	189	13	)	)	PUNCT
ajfti-2557	189	14	.	.	PUNCT
ajfti-2557	190	1	the	the	DET
ajfti-2557	190	2	effect	effect	NOUN
ajfti-2557	190	3	of	of	ADP
ajfti-2557	190	4	fintech	fintech	NOUN
ajfti-2557	190	5	on	on	ADP
ajfti-2557	190	6	banks	bank	NOUN
ajfti-2557	190	7	’	'	PUNCT
ajfti-2557	190	8	credit	credit	NOUN
ajfti-2557	190	9	provision	provision	NOUN
ajfti-2557	190	10	to	to	ADP
ajfti-2557	190	11	smes	sme	NOUN
ajfti-2557	190	12	:	:	PUNCT
ajfti-2557	190	13	evidence	evidence	NOUN
ajfti-2557	190	14	from	from	ADP
ajfti-2557	190	15	china	china	PROPN
ajfti-2557	190	16	.	.	PUNCT
ajfti-2557	191	1	finance	finance	NOUN
ajfti-2557	191	2	research	research	NOUN
ajfti-2557	191	3	letters	letter	NOUN
ajfti-2557	191	4	,	,	PUNCT
ajfti-2557	191	5	39	39	NUM
ajfti-2557	191	6	,	,	PUNCT
ajfti-2557	191	7	101558	101558	NUM
ajfti-2557	191	8	.	.	PUNCT
ajfti-2557	192	1	https://doi.org/10.1016/j	https://doi.org/10.1016/j	NOUN
ajfti-2557	192	2	.	.	PUNCT
ajfti-2557	193	1	frl.2020.101558	frl.2020.101558	PROPN
ajfti-2557	193	2	song	song	NOUN
ajfti-2557	193	3	,	,	PUNCT
ajfti-2557	193	4	n.	n.	PROPN
ajfti-2557	193	5	;	;	PUNCT
ajfti-2557	193	6	appiah	appiah	PROPN
ajfti-2557	193	7	-	-	PUNCT
ajfti-2557	193	8	otoo	otoo	NOUN
ajfti-2557	193	9	,	,	PUNCT
ajfti-2557	193	10	i.	i.	NOUN
ajfti-2557	193	11	school	school	NOUN
ajfti-2557	193	12	of	of	ADP
ajfti-2557	193	13	management	management	NOUN
ajfti-2557	193	14	and	and	CCONJ
ajfti-2557	193	15	economics	economic	NOUN
ajfti-2557	193	16	,	,	PUNCT
ajfti-2557	193	17	university	university	NOUN
ajfti-2557	193	18	of	of	ADP
ajfti-2557	193	19	electronic	electronic	ADJ
ajfti-2557	193	20	science	science	NOUN
ajfti-2557	193	21	and	and	CCONJ
ajfti-2557	193	22	technology	technology	NOUN
ajfti-2557	193	23	of	of	ADP
ajfti-2557	193	24	china	china	PROPN
ajfti-2557	193	25	,	,	PUNCT
ajfti-2557	193	26	chengdu	chengdu	PROPN
ajfti-2557	193	27	610054	610054	PROPN
ajfti-2557	193	28	,	,	PUNCT
ajfti-2557	193	29	china	china	PROPN
ajfti-2557	193	30	.	.	PUNCT
ajfti-2557	193	31	(	(	PUNCT
ajfti-2557	193	32	2022	2022	NUM
ajfti-2557	193	33	)	)	PUNCT
ajfti-2557	193	34	.	.	PUNCT
ajfti-2557	194	1	the	the	DET
ajfti-2557	194	2	impact	impact	NOUN
ajfti-2557	194	3	of	of	ADP
ajfti-2557	194	4	fintech	fintech	NOUN
ajfti-2557	194	5	on	on	ADP
ajfti-2557	194	6	economic	economic	ADJ
ajfti-2557	194	7	growth	growth	NOUN
ajfti-2557	194	8	:	:	PUNCT
ajfti-2557	194	9	evidence	evidence	NOUN
ajfti-2557	194	10	from	from	ADP
ajfti-2557	194	11	china	china	PROPN
ajfti-2557	194	12	.	.	PUNCT
ajfti-2557	195	1	mdpi	mdpi	PROPN
ajfti-2557	195	2	,	,	PUNCT
ajfti-2557	195	3	14(6211	14(6211	NUM
ajfti-2557	195	4	)	)	PUNCT
ajfti-2557	195	5	.	.	PUNCT
ajfti-2557	196	1	https://doi	https://doi	X
ajfti-2557	196	2	.	.	PUNCT
ajfti-2557	196	3	org/10.3390	org/10.3390	PROPN
ajfti-2557	196	4	/	/	SYM
ajfti-2557	196	5	su14106211	su14106211	PROPN
ajfti-2557	196	6	soumaré	soumaré	NOUN
ajfti-2557	196	7	,	,	PUNCT
ajfti-2557	196	8	the	the	DET
ajfti-2557	196	9	odi	odi	NOUN
ajfti-2557	196	10	research	research	NOUN
ajfti-2557	196	11	series	series	NOUN
ajfti-2557	196	12	for	for	ADP
ajfti-2557	196	13	financial	financial	ADJ
ajfti-2557	196	14	development	development	NOUN
ajfti-2557	196	15	in	in	ADP
ajfti-2557	196	16	africa	africa	PROPN
ajfti-2557	196	17	.	.	PUNCT
ajfti-2557	197	1	(	(	PUNCT
ajfti-2557	197	2	2021	2021	NUM
ajfti-2557	197	3	)	)	PUNCT
ajfti-2557	197	4	.	.	PUNCT
ajfti-2557	198	1	capital	capital	NOUN
ajfti-2557	198	2	market	market	NOUN
ajfti-2557	198	3	development	development	NOUN
ajfti-2557	198	4	in	in	ADP
ajfti-2557	198	5	sub	sub	ADJ
ajfti-2557	198	6	-	-	ADJ
ajfti-2557	198	7	saharan	saharan	ADJ
ajfti-2557	198	8	africa	africa	PROPN
ajfti-2557	198	9	:	:	PUNCT
ajfti-2557	198	10	progress	progress	NOUN
ajfti-2557	198	11	,	,	PUNCT
ajfti-2557	198	12	challenges	challenge	NOUN
ajfti-2557	198	13	and	and	CCONJ
ajfti-2557	198	14	innovations	innovation	NOUN
ajfti-2557	198	15	.	.	PUNCT