id	sid	eid	entity	type
ajsts-5819	1	1	1	CARDINAL
ajsts-5819	1	2	63	CARDINAL
ajsts-5819	1	3	american journal of smart technology	ORG
ajsts-5819	1	4	nigeria	GPE
ajsts-5819	1	5	akanbi	PERSON
ajsts-5819	1	6	adenike1	PERSON
ajsts-5819	1	7	gbadegesin adeolu	PERSON
ajsts-5819	1	8	4	CARDINAL
ajsts-5819	1	9	2	CARDINAL
ajsts-5819	1	10	2025	CARDINAL
ajsts-5819	1	11	2837-0295	CARDINAL
ajsts-5819	1	12	july 30, 2025	DATE
ajsts-5819	1	13	september 01, 2025	DATE
ajsts-5819	1	14	september 19, 2025	DATE
ajsts-5819	1	15	between 2000	CARDINAL
ajsts-5819	1	16	2024	DATE
ajsts-5819	1	17	nigeria	GPE
ajsts-5819	5	1	fintech	ORG
ajsts-5819	5	2	0.42	CARDINAL
ajsts-5819	5	3	0.35	CARDINAL
ajsts-5819	6	1	fintech	ORG
ajsts-5819	7	1	45%	PERCENT
ajsts-5819	9	1	nigeria	GPE
ajsts-5819	11	1	fintech	ORG
ajsts-5819	11	2	1	CARDINAL
ajsts-5819	11	3	ladoke akintola university of technology	ORG
ajsts-5819	11	4	nigeria 2	ORG
ajsts-5819	11	5	lautech	GPE
ajsts-5819	11	6	lee & shin,	ORG
ajsts-5819	11	7	2018	DATE
ajsts-5819	12	1	fintech	ORG
ajsts-5819	12	2	liu et al.	PERSON
ajsts-5819	12	3	2025	DATE
ajsts-5819	13	1	ibrahim & yusuf	ORG
ajsts-5819	13	2	2025	DATE
ajsts-5819	14	1	2018	DATE
ajsts-5819	15	1	fintech	ORG
ajsts-5819	16	1	fintech	ORG
ajsts-5819	16	2	zhang et al.	PERSON
ajsts-5819	16	3	2024	DATE
ajsts-5819	17	1	nigeria	GPE
ajsts-5819	17	2	110th	ORDINAL
ajsts-5819	17	3	2018	DATE
ajsts-5819	17	4	2.53	CARDINAL
ajsts-5819	17	5	2018	DATE
ajsts-5819	18	1	nigeria	GPE
ajsts-5819	18	2	osei-tutu & agyemang	ORG
ajsts-5819	18	3	2023	CARDINAL
ajsts-5819	19	1	2023	CARDINAL
ajsts-5819	20	1	nigeria	GPE
ajsts-5819	22	1	fintech	ORG
ajsts-5819	22	2	nigeria	GPE
ajsts-5819	23	1	two	CARDINAL
ajsts-5819	24	1	fintech	ORG
ajsts-5819	25	1	64	CARDINAL
ajsts-5819	26	1	j. smart	PERSON
ajsts-5819	27	1	technol	PERSON
ajsts-5819	27	2	4(2	CARDINAL
ajsts-5819	27	3	63	CARDINAL
ajsts-5819	27	4	2025	CARDINAL
ajsts-5819	27	5	arnaut & bećirović	ORG
ajsts-5819	27	6	2023	CARDINAL
ajsts-5819	27	7	2020	DATE
ajsts-5819	28	1	fintech	ORG
ajsts-5819	28	2	martinčević et al	LOC
ajsts-5819	28	3	2020	DATE
ajsts-5819	28	4	2023	CARDINAL
ajsts-5819	29	1	africa	LOC
ajsts-5819	29	2	nigeria	GPE
ajsts-5819	29	3	giglio	ORG
ajsts-5819	29	4	2021	DATE
ajsts-5819	29	5	kolaoyeneyin et al.	PERSON
ajsts-5819	29	6	2021	CARDINAL
ajsts-5819	30	1	nigeria	GPE
ajsts-5819	30	2	millions	CARDINAL
ajsts-5819	30	3	koffi	GPE
ajsts-5819	30	4	2016	DATE
ajsts-5819	30	5	kyari & akinwale	ORG
ajsts-5819	30	6	2020	DATE
ajsts-5819	31	1	2023	CARDINAL
ajsts-5819	31	2	2.24 quadrillion	QUANTITY
ajsts-5819	31	3	nigeria	GPE
ajsts-5819	33	1	okoye et al	PERSON
ajsts-5819	34	1	2024	CARDINAL
ajsts-5819	34	2	nigerian	NORP
ajsts-5819	35	1	fintech	ORG
ajsts-5819	35	2	2020	DATE
ajsts-5819	35	3	2020	DATE
ajsts-5819	36	1	hakkak & ghodsi	ORG
ajsts-5819	36	2	2015	DATE
ajsts-5819	39	1	harsono	PERSON
ajsts-5819	39	2	2024	CARDINAL
ajsts-5819	41	1	akanbi et al.	PERSON
ajsts-5819	41	2	2022	CARDINAL
ajsts-5819	41	3	david et al.	PERSON
ajsts-5819	41	4	2018	DATE
ajsts-5819	42	1	nigeria	GPE
ajsts-5819	42	2	2012	DATE
ajsts-5819	42	3	nigeria	GPE
ajsts-5819	42	4	madawaki	GPE
ajsts-5819	42	5	2012	DATE
ajsts-5819	42	6	ojo & nwaokike	ORG
ajsts-5819	42	7	2018	DATE
ajsts-5819	43	1	burdon & sorour	ORG
ajsts-5819	43	2	2020	DATE
ajsts-5819	46	1	fintech	ORG
ajsts-5819	46	2	wetzel & hofmann	ORG
ajsts-5819	46	3	2019	DATE
ajsts-5819	46	4	lam et al.	PERSON
ajsts-5819	46	5	2019	DATE
ajsts-5819	47	1	gelsomino et al	PERSON
ajsts-5819	48	1	2016	CARDINAL
ajsts-5819	49	1	nigeria	GPE
ajsts-5819	49	2	fintech	ORG
ajsts-5819	49	3	2016	DATE
ajsts-5819	49	4	babatunde	GPE
ajsts-5819	49	5	2024	DATE
ajsts-5819	50	1	karakus & zor	ORG
ajsts-5819	50	2	2017	DATE
ajsts-5819	50	3	2023	CARDINAL
ajsts-5819	52	1	fintech	ORG
ajsts-5819	52	2	2023	CARDINAL
ajsts-5819	52	3	2021	CARDINAL
ajsts-5819	53	1	frohlich & westbrook	ORG
ajsts-5819	53	2	2001	DATE
ajsts-5819	53	3	traill et al.	PERSON
ajsts-5819	53	4	2023	CARDINAL
ajsts-5819	55	1	klynveld et al.	PERSON
ajsts-5819	55	2	2019	DATE
ajsts-5819	56	1	2017	CARDINAL
ajsts-5819	56	2	2024	DATE
ajsts-5819	57	1	two	CARDINAL
ajsts-5819	57	2	fintech	ORG
ajsts-5819	57	3	2024	CARDINAL
ajsts-5819	57	4	2024	CARDINAL
ajsts-5819	57	5	adeosun & shittu	ORG
ajsts-5819	57	6	2021	CARDINAL
ajsts-5819	58	1	nigeria	GPE
ajsts-5819	59	1	nigeria	GPE
ajsts-5819	60	1	secondary	ORDINAL
ajsts-5819	60	2	nigeria	GPE
ajsts-5819	60	3	2000-2024	DATE
ajsts-5819	61	1	the world bank’s	ORG
ajsts-5819	62	1	manzoor et al.	PERSON
ajsts-5819	62	2	2021	CARDINAL
ajsts-5819	63	1	guan et al.	PERSON
ajsts-5819	63	2	2023	CARDINAL
ajsts-5819	64	1	fintech	ORG
ajsts-5819	64	2	65	CARDINAL
ajsts-5819	65	1	j. smart	PERSON
ajsts-5819	66	1	technol	PERSON
ajsts-5819	66	2	4(2	CARDINAL
ajsts-5819	66	3	63	CARDINAL
ajsts-5819	66	4	2025	CARDINAL
ajsts-5819	68	1	0-100	CARDINAL
ajsts-5819	70	1	phillips-perron	ORG
ajsts-5819	70	2	first	ORDINAL
ajsts-5819	70	3	i(1	PERSON
ajsts-5819	73	1	akaike	GPE
ajsts-5819	73	2	1,1,1	CARDINAL
ajsts-5819	76	1	5 percent	PERCENT
ajsts-5819	76	2	less than 0.01	CARDINAL
ajsts-5819	76	3	less than 0.05	CARDINAL
ajsts-5819	77	1	1	CARDINAL
ajsts-5819	77	2	fintech	ORG
ajsts-5819	77	3	nigeria	GPE
ajsts-5819	77	4	between 2000	CARDINAL
ajsts-5819	77	5	2024	DATE
ajsts-5819	78	1	0.55	CARDINAL
ajsts-5819	78	2	0.63	CARDINAL
ajsts-5819	78	3	0.68	CARDINAL
ajsts-5819	79	1	0.20 to 0.80	CARDINAL
ajsts-5819	80	1	acc	ORG
ajsts-5819	81	1	0.09	CARDINAL
ajsts-5819	83	1	0.10	CARDINAL
ajsts-5819	85	1	jarquebera	PERSON
ajsts-5819	86	1	nigerian	NORP
ajsts-5819	87	1	ecm	ORG
ajsts-5819	87	2	pesaran et al	LOC
ajsts-5819	87	3	2001	DATE
ajsts-5819	87	4	nkoro	ORG
ajsts-5819	87	5	uko	ORG
ajsts-5819	87	6	2016	DATE
ajsts-5819	88	1	1	CARDINAL
ajsts-5819	88	2	acc scp	ORG
ajsts-5819	88	3	0.8000	CARDINAL
ajsts-5819	88	4	0.2000 0.5000 0.5500	MONEY
ajsts-5819	90	1	0.2000 0.0900 0.1000	MONEY
ajsts-5819	90	2	0.1167	MONEY
ajsts-5819	90	3	1.9302	CARDINAL
ajsts-5819	90	4	1.8723	MONEY
ajsts-5819	90	5	0.6074	MONEY
ajsts-5819	90	6	10.450	CARDINAL
ajsts-5819	90	7	11.970 12.920	CARDINAL
ajsts-5819	91	1	24	CARDINAL
ajsts-5819	92	1	2	CARDINAL
ajsts-5819	93	1	7.24	CARDINAL
ajsts-5819	93	2	the 1 percent	PERCENT
ajsts-5819	93	3	acc	ORG
ajsts-5819	93	4	scp	GPE
ajsts-5819	94	1	3.23 to 4.35	CARDINAL
ajsts-5819	94	2	5 percent	PERCENT
ajsts-5819	95	1	three	CARDINAL
ajsts-5819	95	2	nigeria	GPE
ajsts-5819	96	1	66	CARDINAL
ajsts-5819	97	1	j. smart	PERSON
ajsts-5819	98	1	technol	PERSON
ajsts-5819	98	2	4(2	CARDINAL
ajsts-5819	98	3	63	CARDINAL
ajsts-5819	98	4	2025	DATE
ajsts-5819	98	5	3	CARDINAL
ajsts-5819	100	1	1	CARDINAL
ajsts-5819	100	2	0.42	CARDINAL
ajsts-5819	101	1	1	CARDINAL
ajsts-5819	102	1	0.35	CARDINAL
ajsts-5819	102	2	5 percent	PERCENT
ajsts-5819	104	1	greater than zero	CARDINAL
ajsts-5819	104	2	scp	GPE
ajsts-5819	105	1	nigeria	GPE
ajsts-5819	106	1	2	CARDINAL
ajsts-5819	106	2	7.24	CARDINAL
ajsts-5819	106	3	10%	PERCENT
ajsts-5819	106	4	2.72	CARDINAL
ajsts-5819	106	5	3.77	CARDINAL
ajsts-5819	106	6	5%	PERCENT
ajsts-5819	106	7	3.23	CARDINAL
ajsts-5819	106	8	4.35	CARDINAL
ajsts-5819	106	9	1%	PERCENT
ajsts-5819	106	10	4.29	CARDINAL
ajsts-5819	106	11	5.61	CARDINAL
ajsts-5819	107	1	3	CARDINAL
ajsts-5819	107	2	0.42	CARDINAL
ajsts-5819	107	3	0.10	CARDINAL
ajsts-5819	107	4	0.35	CARDINAL
ajsts-5819	107	5	0.12	CARDINAL
ajsts-5819	107	6	0.010	CARDINAL
ajsts-5819	107	7	1.15	CARDINAL
ajsts-5819	107	8	0.50	CARDINAL
ajsts-5819	107	9	0.040	CARDINAL
ajsts-5819	108	1	4	CARDINAL
ajsts-5819	108	2	ecm	ORG
ajsts-5819	109	1	approximately 45%	PERCENT
ajsts-5819	110	1	roughly almost half	CARDINAL
ajsts-5819	110	2	the next period	DATE
ajsts-5819	112	1	fintech	ORG
ajsts-5819	113	1	fintech	ORG
ajsts-5819	113	2	10%	PERCENT
ajsts-5819	114	1	first	ORDINAL
ajsts-5819	114	2	0.05	CARDINAL
ajsts-5819	115	1	acc	ORG
ajsts-5819	117	1	acc	ORG
ajsts-5819	117	2	scp	GPE
ajsts-5819	118	1	67	CARDINAL
ajsts-5819	119	1	j. smart	PERSON
ajsts-5819	120	1	technol	PERSON
ajsts-5819	120	2	4(2	CARDINAL
ajsts-5819	120	3	63	CARDINAL
ajsts-5819	120	4	2025	CARDINAL
ajsts-5819	121	1	0.72	CARDINAL
ajsts-5819	122	1	durbin-watson	ORG
ajsts-5819	122	2	about 2.15	CARDINAL
ajsts-5819	122	3	2	CARDINAL
ajsts-5819	124	1	nigeria	GPE
ajsts-5819	125	1	5	CARDINAL
ajsts-5819	126	1	1.35	CARDINAL
ajsts-5819	126	2	0.26	CARDINAL
ajsts-5819	127	1	0.97	CARDINAL
ajsts-5819	127	2	0.48	CARDINAL
ajsts-5819	128	1	1.65	CARDINAL
ajsts-5819	128	2	0.44	CARDINAL
ajsts-5819	129	1	approximately 0.78	CARDINAL
ajsts-5819	129	2	approximately 78 percent	PERCENT
ajsts-5819	129	3	4	CARDINAL
ajsts-5819	129	4	0.45	CARDINAL
ajsts-5819	129	5	0.10	CARDINAL
ajsts-5819	129	6	4.50 0.000 δfin	MONEY
ajsts-5819	129	7	0.04 0.03	CARDINAL
ajsts-5819	129	8	0.06	CARDINAL
ajsts-5819	129	9	0.03	CARDINAL
ajsts-5819	129	10	0.070	CARDINAL
ajsts-5819	129	11	0.10	CARDINAL
ajsts-5819	129	12	0.04	CARDINAL
ajsts-5819	129	13	0.05 0.04 1.25	MONEY
ajsts-5819	129	14	two	CARDINAL
ajsts-5819	132	1	5	CARDINAL
ajsts-5819	132	2	1.35 0.26	CARDINAL
ajsts-5819	132	3	0.97 0.48	CARDINAL
ajsts-5819	132	4	jarque	NORP
ajsts-5819	132	5	1.65 0.44	CARDINAL
ajsts-5819	132	6	0.78	CARDINAL
ajsts-5819	132	7	0.72	CARDINAL
ajsts-5819	132	8	durbin-watson	ORG
ajsts-5819	132	9	2.15	CARDINAL
ajsts-5819	133	1	nigeria	GPE
ajsts-5819	134	1	3	CARDINAL
ajsts-5819	134	2	0.42	CARDINAL
ajsts-5819	134	3	0.01	CARDINAL
ajsts-5819	134	4	2016	DATE
ajsts-5819	134	5	wetzel & hofmann	ORG
ajsts-5819	134	6	2019	DATE
ajsts-5819	134	7	2021	CARDINAL
ajsts-5819	134	8	2024	DATE
ajsts-5819	136	1	2	CARDINAL
ajsts-5819	137	1	fintech	ORG
ajsts-5819	138	1	0.35	CARDINAL
ajsts-5819	138	2	0.05	CARDINAL
ajsts-5819	139	1	eze et al	PERSON
ajsts-5819	140	1	2024	DATE
ajsts-5819	140	2	2020	DATE
ajsts-5819	142	1	1	CARDINAL
ajsts-5819	143	1	ecm	ORG
ajsts-5819	143	2	4	CARDINAL
ajsts-5819	143	3	0.01	CARDINAL
ajsts-5819	143	4	68	CARDINAL
ajsts-5819	144	1	j. smart	PERSON
ajsts-5819	145	1	technol	PERSON
ajsts-5819	145	2	4(2	CARDINAL
ajsts-5819	145	3	63	CARDINAL
ajsts-5819	145	4	2025	DATE
ajsts-5819	145	5	half	CARDINAL
ajsts-5819	145	6	the next period	DATE
ajsts-5819	146	1	nigeria	GPE
ajsts-5819	147	1	0.10	CARDINAL
ajsts-5819	147	2	0.05	CARDINAL
ajsts-5819	148	1	manzoor et al	PERSON
ajsts-5819	149	1	2021	CARDINAL
ajsts-5819	149	2	2021	CARDINAL
ajsts-5819	150	1	0.20	CARDINAL
ajsts-5819	150	2	10 percent	PERCENT
ajsts-5819	150	3	0.07	CARDINAL
ajsts-5819	151	1	fintech	ORG
ajsts-5819	152	1	akanbi et al.	PERSON
ajsts-5819	152	2	2022	CARDINAL
ajsts-5819	152	3	2024	DATE
ajsts-5819	153	1	5	CARDINAL
ajsts-5819	155	1	2	CARDINAL
ajsts-5819	155	2	0.78	CARDINAL
ajsts-5819	156	1	fintech	ORG
ajsts-5819	156	2	harsono &	ORG
ajsts-5819	156	3	2024	CARDINAL
ajsts-5819	156	4	2023	CARDINAL
ajsts-5819	159	1	nigerian	NORP
ajsts-5819	164	1	fintech	ORG
ajsts-5819	164	2	nigeria	GPE
ajsts-5819	167	1	•	CARDINAL
ajsts-5819	169	1	smes	ORG
ajsts-5819	177	1	akanbi	GPE
ajsts-5819	177	2	t. a.	GPE
ajsts-5819	177	3	oladejo	PERSON
ajsts-5819	177	4	o. a.	PERSON
ajsts-5819	177	5	2022	CARDINAL
ajsts-5819	178	1	nigeria	GPE
ajsts-5819	179	1	international journal of academic research	ORG
ajsts-5819	179	2	12(2	DATE
ajsts-5819	179	3	306–316	CARDINAL
ajsts-5819	180	1	akinadewo	ORG
ajsts-5819	180	2	i. s.	PERSON
ajsts-5819	180	3	dagunduro	PERSON
ajsts-5819	180	4	m.	PERSON
ajsts-5819	180	5	adebiyi	PERSON
ajsts-5819	180	6	i. m.	PERSON
ajsts-5819	180	7	j. o.	PERSON
ajsts-5819	180	8	2023	CARDINAL
ajsts-5819	181	1	nigeria	GPE
ajsts-5819	182	1	international business & economics	ORG
ajsts-5819	182	2	5(3	CARDINAL
ajsts-5819	182	3	1–14	CARDINAL
ajsts-5819	182	4	akinbamini	PERSON
ajsts-5819	182	5	e., vargas, a.	PERSON
ajsts-5819	182	6	traill, a.	PERSON
ajsts-5819	182	7	boza, a., & cuenca	ORG
ajsts-5819	182	8	2023	CARDINAL
ajsts-5819	183	1	nigeria	GPE
ajsts-5819	184	1	8(1	CARDINAL
ajsts-5819	184	2	8-25	DATE
ajsts-5819	185	1	arnaut	PERSON
ajsts-5819	185	2	d., & bećirović	ORG
ajsts-5819	185	3	2023	CARDINAL
ajsts-5819	186	1	fintech	ORG
ajsts-5819	187	1	233–254	CARDINAL
ajsts-5819	188	1	j. y.,	ORG
ajsts-5819	188	2	& owusu-agyei	ORG
ajsts-5819	188	3	l.	PERSON
ajsts-5819	188	4	2020	DATE
ajsts-5819	189	1	ghana	GPE
ajsts-5819	190	1	international journal of finance & banking	ORG
ajsts-5819	190	2	9(2	CARDINAL
ajsts-5819	190	3	82–100	CARDINAL
ajsts-5819	191	1	babatunde	GPE
ajsts-5819	191	2	a. a.	PERSON
ajsts-5819	191	3	2024	CARDINAL
ajsts-5819	192	1	nigeria	GPE
ajsts-5819	193	1	journal of management and science	ORG
ajsts-5819	193	2	14(3	CARDINAL
ajsts-5819	194	1	burdon	GPE
ajsts-5819	194	2	w. m., &	PERSON
ajsts-5819	194	3	m. k.	PERSON
ajsts-5819	194	4	2020	DATE
ajsts-5819	195	1	the uk financial service sector	ORG
ajsts-5819	196	1	journal of business ethics	ORG
ajsts-5819	196	2	162(1	CARDINAL
ajsts-5819	196	3	47–80	CARDINAL
ajsts-5819	197	1	s. r.	PERSON
ajsts-5819	197	2	2024	CARDINAL
ajsts-5819	199	1	69	CARDINAL
ajsts-5819	200	1	j. smart	PERSON
ajsts-5819	201	1	technol	PERSON
ajsts-5819	201	2	4(2	CARDINAL
ajsts-5819	201	3	63	CARDINAL
ajsts-5819	201	4	2025	CARDINAL
ajsts-5819	201	5	american	NORP
ajsts-5819	201	6	3(2	CARDINAL
ajsts-5819	201	7	13	CARDINAL
ajsts-5819	202	1	chukwu	ORG
ajsts-5819	202	2	g. j., & eze	PERSON
ajsts-5819	202	3	2018	DATE
ajsts-5819	203	1	nigeria	GPE
ajsts-5819	204	1	journal of accounting	ORG
ajsts-5819	204	2	4(5	DATE
ajsts-5819	204	3	45–54	CARDINAL
ajsts-5819	204	4	h. m.	PERSON
ajsts-5819	204	5	2023	CARDINAL
ajsts-5819	206	1	15(5	CARDINAL
ajsts-5819	206	2	693–711	CARDINAL
ajsts-5819	206	3	eze	ORG
ajsts-5819	206	4	s. u.	PERSON
ajsts-5819	206	5	w.	PERSON
ajsts-5819	206	6	n. j., & chika	PERSON
ajsts-5819	206	7	a. r.	PERSON
ajsts-5819	206	8	2024	CARDINAL
ajsts-5819	207	1	nigeria	GPE
ajsts-5819	208	1	journal of economics	ORG
ajsts-5819	208	2	15(1	CARDINAL
ajsts-5819	208	3	45–57	CARDINAL
ajsts-5819	209	1	gelsomino	GPE
ajsts-5819	209	2	l. m.	PERSON
ajsts-5819	209	3	mangiaracina	PERSON
ajsts-5819	209	4	r.	NORP
ajsts-5819	209	5	perego, a., & tumino	ORG
ajsts-5819	209	6	a.	PERSON
ajsts-5819	209	7	2016	CARDINAL
ajsts-5819	211	1	348–366	CARDINAL
ajsts-5819	212	1	giglio	ORG
ajsts-5819	212	2	f.	PERSON
ajsts-5819	212	3	2021	CARDINAL
ajsts-5819	213	1	fintech	ORG
ajsts-5819	214	1	european research studies journal	ORG
ajsts-5819	214	2	24(2b	CARDINAL
ajsts-5819	214	3	600–627	CARDINAL
ajsts-5819	215	1	godgift-david	PERSON
ajsts-5819	215	2	a.	PERSON
ajsts-5819	215	3	o. a.	PERSON
ajsts-5819	215	4	2018	DATE
ajsts-5819	216	1	nigeria	GPE
ajsts-5819	217	1	international journal of innovative research	ORG
ajsts-5819	217	2	7(2	CARDINAL
ajsts-5819	217	3	13–22	CARDINAL
ajsts-5819	218	1	guan	PERSON
ajsts-5819	218	2	wu	PERSON
ajsts-5819	218	3	s. j., & sun	PERSON
ajsts-5819	218	4	2025	DATE
ajsts-5819	219	1	fintech development	ORG
ajsts-5819	219	2	china	GPE
ajsts-5819	220	1	15(3	DATE
ajsts-5819	220	2	article 86.	LAW
ajsts-5819	221	1	i., & suprapti	ORG
ajsts-5819	221	2	i. a.	PERSON
ajsts-5819	221	3	2024	CARDINAL
ajsts-5819	223	1	1(1	CARDINAL
ajsts-5819	223	2	81–91	CARDINAL
ajsts-5819	224	1	karakus	PERSON
ajsts-5819	224	2	r., & zor	ORG
ajsts-5819	224	3	s. d.	PERSON
ajsts-5819	224	4	2017	CARDINAL
ajsts-5819	225	1	sixteen	CARDINAL
ajsts-5819	226	1	journal of economics	ORG
ajsts-5819	226	2	1(2	CARDINAL
ajsts-5819	226	3	1–15	CARDINAL
ajsts-5819	227	1	koffi, h. (	ORG
ajsts-5819	227	2	2016	DATE
ajsts-5819	228	1	west african	NORP
ajsts-5819	229	1	6(11	CARDINAL
ajsts-5819	229	2	771–782	CARDINAL
ajsts-5819	230	1	t.	GPE
ajsts-5819	230	2	kuyoro	GPE
ajsts-5819	230	3	m., & olanrewaju	ORG
ajsts-5819	230	4	2021	CARDINAL
ajsts-5819	231	1	nigeria	GPE
ajsts-5819	232	1	mckinsey & company	ORG
ajsts-5819	232	2	february 2021	DATE
ajsts-5819	233	1	kyari	ORG
ajsts-5819	233	2	a. k.	PERSON
ajsts-5819	233	3	2020	DATE
ajsts-5819	234	1	nigerian	NORP
ajsts-5819	235	1	african journal of science	ORG
ajsts-5819	235	2	1(1	CARDINAL
ajsts-5819	235	3	118–130	CARDINAL
ajsts-5819	236	1	j. s. l.	PERSON
ajsts-5819	236	2	z., & lau	ORG
ajsts-5819	236	3	y. y.	PERSON
ajsts-5819	236	4	2019	DATE
ajsts-5819	238	1	maritime economics & logistics	ORG
ajsts-5819	238	2	21(4	DATE
ajsts-5819	238	3	476–494	CARDINAL
ajsts-5819	238	4	lee, i., & shin	ORG
ajsts-5819	238	5	2018	DATE
ajsts-5819	240	1	61(1	CARDINAL
ajsts-5819	241	1	liu, f.	PERSON
ajsts-5819	241	2	xie	PERSON
ajsts-5819	241	3	l., & liu	ORG
ajsts-5819	241	4	w.	PERSON
ajsts-5819	241	5	2025	DATE
ajsts-5819	242	1	fintech	ORG
ajsts-5819	243	1	103	CARDINAL
ajsts-5819	243	2	104241	DATE
ajsts-5819	244	1	madawaki	PERSON
ajsts-5819	244	2	a.	PERSON
ajsts-5819	244	3	2012	DATE
ajsts-5819	245	1	nigeria	GPE
ajsts-5819	246	1	international journal of business and management	ORG
ajsts-5819	246	2	7(3	CARDINAL
ajsts-5819	246	3	152–161	CARDINAL
ajsts-5819	247	1	manzoor	PERSON
ajsts-5819	247	2	f.	PERSON
ajsts-5819	247	3	wei	PERSON
ajsts-5819	247	4	l., & sahito	ORG
ajsts-5819	247	5	2021	CARDINAL
ajsts-5819	249	1	plos one	PERSON
ajsts-5819	249	2	16(3	CARDINAL
ajsts-5819	249	3	martinčević	GPE
ajsts-5819	249	4	i.	PERSON
ajsts-5819	249	5	črnjević	GPE
ajsts-5819	249	6	s., & klopotan	ORG
ajsts-5819	249	7	i.	PERSON
ajsts-5819	249	8	2020	DATE
ajsts-5819	251	1	entrenova	ORG
ajsts-5819	251	2	6(1	CARDINAL
ajsts-5819	251	3	563–571	CARDINAL
ajsts-5819	252	1	nkoro	ORG
ajsts-5819	252	2	e., & uko	ORG
ajsts-5819	252	3	a. k.	PERSON
ajsts-5819	252	4	2016	DATE
ajsts-5819	254	1	5(4	CARDINAL
ajsts-5819	254	2	63–91	CARDINAL
ajsts-5819	255	1	2018	DATE
ajsts-5819	256	1	nigeria	GPE
ajsts-5819	257	1	9(3	CARDINAL
ajsts-5819	258	1	okafor	ORG
ajsts-5819	258	2	a. o.	PERSON
ajsts-5819	258	3	e. o.	PERSON
ajsts-5819	258	4	2021	CARDINAL
ajsts-5819	259	1	nigerian	NORP
ajsts-5819	260	1	12(5	CARDINAL
ajsts-5819	260	2	134–142	CARDINAL
ajsts-5819	261	1	n. j.	PERSON
ajsts-5819	261	2	w.	PERSON
ajsts-5819	261	3	i., & chimdinma	ORG
ajsts-5819	261	4	2024	CARDINAL
ajsts-5819	262	1	nigeria	GPE
ajsts-5819	263	1	international journal of social science	ORG
ajsts-5819	263	2	2(1	CARDINAL
ajsts-5819	263	3	52–71	DATE
ajsts-5819	263	4	2021	CARDINAL
ajsts-5819	264	1	fintech	ORG
ajsts-5819	265	1	10(1	CARDINAL
ajsts-5819	265	2	187–195	CARDINAL
ajsts-5819	266	1	a., melikam	PERSON
ajsts-5819	266	2	w., & ige	ORG
ajsts-5819	266	3	2023	CARDINAL
ajsts-5819	267	1	nigeria	GPE
ajsts-5819	268	1	futurity economics & law	ORG
ajsts-5819	268	2	3(2	CARDINAL
ajsts-5819	268	3	95–114	DATE
ajsts-5819	268	4	pesaran	ORG
ajsts-5819	268	5	m. h.	PERSON
ajsts-5819	268	6	r. j.	PERSON
ajsts-5819	268	7	2001	DATE
ajsts-5819	270	1	16(3	CARDINAL
ajsts-5819	270	2	289–326	CARDINAL
ajsts-5819	271	1	siano, a.	PERSON
ajsts-5819	271	2	raimi	ORG
ajsts-5819	271	3	palazzo	PERSON
ajsts-5819	271	4	m., & panait	ORG
ajsts-5819	271	5	m. c.	PERSON
ajsts-5819	271	6	2020	DATE
ajsts-5819	272	1	africa	LOC
ajsts-5819	272	2	nigeria	GPE
ajsts-5819	273	1	12(23	CARDINAL
ajsts-5819	273	2	10130	DATE
ajsts-5819	274	1	r. r.	PERSON
ajsts-5819	274	2	budi, i., & purwandari	ORG
ajsts-5819	274	3	2020	DATE
ajsts-5819	275	1	fintech	ORG
ajsts-5819	276	1	11(12	CARDINAL
ajsts-5819	276	2	590	CARDINAL
ajsts-5819	277	1	traill, a.	PERSON
ajsts-5819	277	2	e., vargas, a.	PERSON
ajsts-5819	277	3	boza, a., & cuenca	ORG
ajsts-5819	277	4	2023	CARDINAL
ajsts-5819	278	1	nigeria	GPE
ajsts-5819	279	1	7(2	CARDINAL
ajsts-5819	279	2	22	DATE
ajsts-5819	280	1	wetzel	ORG
ajsts-5819	280	2	p., & hofmann	ORG
ajsts-5819	280	3	2019	DATE
ajsts-5819	282	1	20(1	CARDINAL
ajsts-5819	283	1	world bank	ORG
ajsts-5819	283	2	2023	CARDINAL
ajsts-5819	284	1	2023	CARDINAL
ajsts-5819	285	1	washington	GPE
ajsts-5819	285	2	dc	GPE