id	sid	tid	token	lemma	pos
ajsts-5819	1	1	pa	pa	PROPN
ajsts-5819	1	2	ge	ge	PROPN
ajsts-5819	1	3	1	1	NUM
ajsts-5819	1	4	pa	pa	PROPN
ajsts-5819	1	5	ge	ge	PROPN
ajsts-5819	1	6	63	63	NUM
ajsts-5819	1	7	american	american	ADJ
ajsts-5819	1	8	journal	journal	NOUN
ajsts-5819	1	9	of	of	ADP
ajsts-5819	1	10	smart	smart	ADJ
ajsts-5819	1	11	technology	technology	NOUN
ajsts-5819	1	12	and	and	CCONJ
ajsts-5819	1	13	solutions	solution	NOUN
ajsts-5819	1	14	(	(	PUNCT
ajsts-5819	1	15	ajsts	ajst	NOUN
ajsts-5819	1	16	)	)	PUNCT
ajsts-5819	1	17	impact	impact	NOUN
ajsts-5819	1	18	of	of	ADP
ajsts-5819	1	19	financial	financial	ADJ
ajsts-5819	1	20	technology	technology	NOUN
ajsts-5819	1	21	(	(	PUNCT
ajsts-5819	1	22	fintech	fintech	NOUN
ajsts-5819	1	23	)	)	PUNCT
ajsts-5819	1	24	on	on	ADP
ajsts-5819	1	25	accounting	accounting	NOUN
ajsts-5819	1	26	efficiency	efficiency	NOUN
ajsts-5819	1	27	and	and	CCONJ
ajsts-5819	1	28	supply	supply	NOUN
ajsts-5819	1	29	chain	chain	NOUN
ajsts-5819	1	30	performance	performance	NOUN
ajsts-5819	1	31	in	in	ADP
ajsts-5819	1	32	nigeria	nigeria	PROPN
ajsts-5819	1	33	’s	’s	PART
ajsts-5819	1	34	logistics	logistic	NOUN
ajsts-5819	1	35	sector	sector	NOUN
ajsts-5819	1	36	akanbi	akanbi	NOUN
ajsts-5819	1	37	,	,	PUNCT
ajsts-5819	1	38	taibat	taibat	PROPN
ajsts-5819	1	39	adenike1	adenike1	PROPN
ajsts-5819	1	40	,	,	PUNCT
ajsts-5819	1	41	gbadegesin	gbadegesin	PROPN
ajsts-5819	1	42	adeolu	adeolu	PROPN
ajsts-5819	1	43	emmanuel2	emmanuel2	PROPN
ajsts-5819	1	44	*	*	PUNCT
ajsts-5819	1	45	volume	volume	NOUN
ajsts-5819	1	46	4	4	NUM
ajsts-5819	1	47	issue	issue	NOUN
ajsts-5819	1	48	2	2	NUM
ajsts-5819	1	49	,	,	PUNCT
ajsts-5819	1	50	year	year	NOUN
ajsts-5819	1	51	2025	2025	NUM
ajsts-5819	1	52	issn	issn	NOUN
ajsts-5819	1	53	:	:	PUNCT
ajsts-5819	1	54	2837	2837	NUM
ajsts-5819	1	55	-	-	SYM
ajsts-5819	1	56	0295	0295	NUM
ajsts-5819	1	57	(	(	PUNCT
ajsts-5819	1	58	online	online	ADJ
ajsts-5819	1	59	)	)	PUNCT
ajsts-5819	1	60	doi	doi	NOUN
ajsts-5819	1	61	:	:	PUNCT
ajsts-5819	1	62	https://doi.org/10.54536/ajsts.v4i2.5819	https://doi.org/10.54536/ajsts.v4i2.5819	NOUN
ajsts-5819	1	63	https://journals.e-palli.com/home/index.php/ajsts	https://journals.e-palli.com/home/index.php/ajst	NOUN
ajsts-5819	1	64	article	article	NOUN
ajsts-5819	1	65	information	information	NOUN
ajsts-5819	1	66	abstract	abstract	ADV
ajsts-5819	1	67	received	receive	VERB
ajsts-5819	1	68	:	:	PUNCT
ajsts-5819	1	69	july	july	PROPN
ajsts-5819	1	70	30	30	NUM
ajsts-5819	1	71	,	,	PUNCT
ajsts-5819	1	72	2025	2025	NUM
ajsts-5819	1	73	accepted	accept	VERB
ajsts-5819	1	74	:	:	PUNCT
ajsts-5819	1	75	september	september	PROPN
ajsts-5819	1	76	01	01	NUM
ajsts-5819	1	77	,	,	PUNCT
ajsts-5819	1	78	2025	2025	NUM
ajsts-5819	1	79	published	publish	VERB
ajsts-5819	1	80	:	:	PUNCT
ajsts-5819	1	81	september	september	PROPN
ajsts-5819	1	82	19	19	NUM
ajsts-5819	1	83	,	,	PUNCT
ajsts-5819	1	84	2025	2025	NUM
ajsts-5819	1	85	using	use	VERB
ajsts-5819	1	86	annual	annual	ADJ
ajsts-5819	1	87	time	time	NOUN
ajsts-5819	1	88	-	-	PUNCT
ajsts-5819	1	89	series	series	NOUN
ajsts-5819	1	90	data	datum	NOUN
ajsts-5819	1	91	between	between	ADP
ajsts-5819	1	92	2000	2000	NUM
ajsts-5819	1	93	and	and	CCONJ
ajsts-5819	1	94	2024	2024	NUM
ajsts-5819	1	95	,	,	PUNCT
ajsts-5819	1	96	the	the	DET
ajsts-5819	1	97	study	study	NOUN
ajsts-5819	1	98	follows	follow	VERB
ajsts-5819	1	99	an	an	DET
ajsts-5819	1	100	autoregressive	autoregressive	ADJ
ajsts-5819	1	101	distributed	distribute	VERB
ajsts-5819	1	102	lag	lag	NOUN
ajsts-5819	1	103	(	(	PUNCT
ajsts-5819	1	104	ardl	ardl	NOUN
ajsts-5819	1	105	)	)	PUNCT
ajsts-5819	1	106	modeling	model	VERB
ajsts-5819	1	107	strategy	strategy	NOUN
ajsts-5819	1	108	to	to	PART
ajsts-5819	1	109	estimate	estimate	VERB
ajsts-5819	1	110	both	both	DET
ajsts-5819	1	111	short	short	ADJ
ajsts-5819	1	112	-	-	PUNCT
ajsts-5819	1	113	run	run	NOUN
ajsts-5819	1	114	dynamics	dynamic	NOUN
ajsts-5819	1	115	and	and	CCONJ
ajsts-5819	1	116	longrun	longrun	NOUN
ajsts-5819	1	117	relationships	relationship	NOUN
ajsts-5819	1	118	between	between	ADP
ajsts-5819	1	119	financial	financial	ADJ
ajsts-5819	1	120	technology	technology	NOUN
ajsts-5819	1	121	(	(	PUNCT
ajsts-5819	1	122	fintech	fintech	NOUN
ajsts-5819	1	123	)	)	PUNCT
ajsts-5819	1	124	,	,	PUNCT
ajsts-5819	1	125	accounting	accounting	NOUN
ajsts-5819	1	126	efficiency	efficiency	NOUN
ajsts-5819	1	127	and	and	CCONJ
ajsts-5819	1	128	supply	supply	NOUN
ajsts-5819	1	129	chain	chain	NOUN
ajsts-5819	1	130	performance	performance	NOUN
ajsts-5819	1	131	within	within	ADP
ajsts-5819	1	132	logistics	logistic	NOUN
ajsts-5819	1	133	sector	sector	NOUN
ajsts-5819	1	134	in	in	ADP
ajsts-5819	1	135	nigeria	nigeria	PROPN
ajsts-5819	1	136	.	.	PUNCT
ajsts-5819	2	1	the	the	DET
ajsts-5819	2	2	value	value	NOUN
ajsts-5819	2	3	of	of	ADP
ajsts-5819	2	4	electronic	electronic	ADJ
ajsts-5819	2	5	financial	financial	ADJ
ajsts-5819	2	6	transactions	transaction	NOUN
ajsts-5819	2	7	is	be	AUX
ajsts-5819	2	8	used	use	VERB
ajsts-5819	2	9	as	as	ADP
ajsts-5819	2	10	a	a	DET
ajsts-5819	2	11	proxy	proxy	NOUN
ajsts-5819	2	12	of	of	ADP
ajsts-5819	2	13	fintech	fintech	NOUN
ajsts-5819	2	14	adoption	adoption	NOUN
ajsts-5819	2	15	,	,	PUNCT
ajsts-5819	2	16	financial	financial	ADJ
ajsts-5819	2	17	reporting	reporting	NOUN
ajsts-5819	2	18	quality	quality	NOUN
ajsts-5819	2	19	indices	index	NOUN
ajsts-5819	2	20	as	as	ADP
ajsts-5819	2	21	a	a	DET
ajsts-5819	2	22	proxy	proxy	NOUN
ajsts-5819	2	23	of	of	ADP
ajsts-5819	2	24	accounting	accounting	NOUN
ajsts-5819	2	25	efficiency	efficiency	NOUN
ajsts-5819	2	26	,	,	PUNCT
ajsts-5819	2	27	and	and	CCONJ
ajsts-5819	2	28	composite	composite	ADJ
ajsts-5819	2	29	logistics	logistic	NOUN
ajsts-5819	2	30	indicators	indicator	NOUN
ajsts-5819	2	31	as	as	ADP
ajsts-5819	2	32	a	a	DET
ajsts-5819	2	33	proxy	proxy	NOUN
ajsts-5819	2	34	of	of	ADP
ajsts-5819	2	35	supply	supply	NOUN
ajsts-5819	2	36	chain	chain	NOUN
ajsts-5819	2	37	performance	performance	NOUN
ajsts-5819	2	38	.	.	PUNCT
ajsts-5819	3	1	descriptive	descriptive	ADJ
ajsts-5819	3	2	analysis	analysis	NOUN
ajsts-5819	3	3	shows	show	VERB
ajsts-5819	3	4	that	that	SCONJ
ajsts-5819	3	5	there	there	PRON
ajsts-5819	3	6	is	be	VERB
ajsts-5819	3	7	a	a	DET
ajsts-5819	3	8	lot	lot	NOUN
ajsts-5819	3	9	of	of	ADP
ajsts-5819	3	10	variation	variation	NOUN
ajsts-5819	3	11	in	in	ADP
ajsts-5819	3	12	fintech	fintech	NOUN
ajsts-5819	3	13	uptake	uptake	NOUN
ajsts-5819	3	14	but	but	CCONJ
ajsts-5819	3	15	not	not	PART
ajsts-5819	3	16	much	much	ADJ
ajsts-5819	3	17	variation	variation	NOUN
ajsts-5819	3	18	in	in	ADP
ajsts-5819	3	19	accounting	accounting	NOUN
ajsts-5819	3	20	practices	practice	NOUN
ajsts-5819	3	21	.	.	PUNCT
ajsts-5819	4	1	cointegration	cointegration	NOUN
ajsts-5819	4	2	of	of	ADP
ajsts-5819	4	3	the	the	DET
ajsts-5819	4	4	variables	variable	NOUN
ajsts-5819	4	5	is	be	AUX
ajsts-5819	4	6	supported	support	VERB
ajsts-5819	4	7	by	by	ADP
ajsts-5819	4	8	the	the	DET
ajsts-5819	4	9	ardl	ardl	NOUN
ajsts-5819	4	10	bounds	bound	NOUN
ajsts-5819	4	11	test	test	VERB
ajsts-5819	4	12	.	.	PUNCT
ajsts-5819	5	1	the	the	DET
ajsts-5819	5	2	long	long	ADV
ajsts-5819	5	3	-	-	PUNCT
ajsts-5819	5	4	run	run	VERB
ajsts-5819	5	5	estimates	estimate	NOUN
ajsts-5819	5	6	show	show	VERB
ajsts-5819	5	7	that	that	SCONJ
ajsts-5819	5	8	the	the	DET
ajsts-5819	5	9	efficiency	efficiency	NOUN
ajsts-5819	5	10	of	of	ADP
ajsts-5819	5	11	fintech	fintech	NOUN
ajsts-5819	5	12	and	and	CCONJ
ajsts-5819	5	13	accounting	accounting	NOUN
ajsts-5819	5	14	have	have	VERB
ajsts-5819	5	15	a	a	DET
ajsts-5819	5	16	statistically	statistically	ADV
ajsts-5819	5	17	significant	significant	ADJ
ajsts-5819	5	18	positive	positive	ADJ
ajsts-5819	5	19	impact	impact	NOUN
ajsts-5819	5	20	on	on	ADP
ajsts-5819	5	21	logistics	logistic	NOUN
ajsts-5819	5	22	performance	performance	NOUN
ajsts-5819	5	23	,	,	PUNCT
ajsts-5819	5	24	with	with	ADP
ajsts-5819	5	25	coefficients	coefficient	NOUN
ajsts-5819	5	26	of	of	ADP
ajsts-5819	5	27	0.42	0.42	NUM
ajsts-5819	5	28	and	and	CCONJ
ajsts-5819	5	29	0.35	0.35	NUM
ajsts-5819	5	30	,	,	PUNCT
ajsts-5819	5	31	respectively	respectively	ADV
ajsts-5819	5	32	.	.	PUNCT
ajsts-5819	6	1	in	in	ADP
ajsts-5819	6	2	the	the	DET
ajsts-5819	6	3	short	short	ADJ
ajsts-5819	6	4	-	-	PUNCT
ajsts-5819	6	5	run	run	NOUN
ajsts-5819	6	6	,	,	PUNCT
ajsts-5819	6	7	the	the	DET
ajsts-5819	6	8	efficiency	efficiency	NOUN
ajsts-5819	6	9	gains	gain	NOUN
ajsts-5819	6	10	of	of	ADP
ajsts-5819	6	11	accounting	accounting	NOUN
ajsts-5819	6	12	have	have	VERB
ajsts-5819	6	13	an	an	DET
ajsts-5819	6	14	immediate	immediate	ADJ
ajsts-5819	6	15	effect	effect	NOUN
ajsts-5819	6	16	,	,	PUNCT
ajsts-5819	6	17	and	and	CCONJ
ajsts-5819	6	18	the	the	DET
ajsts-5819	6	19	benefits	benefit	NOUN
ajsts-5819	6	20	of	of	ADP
ajsts-5819	6	21	fintech	fintech	NOUN
ajsts-5819	6	22	are	be	AUX
ajsts-5819	6	23	felt	feel	VERB
ajsts-5819	6	24	in	in	ADP
ajsts-5819	6	25	a	a	DET
ajsts-5819	6	26	more	more	ADV
ajsts-5819	6	27	long	long	ADJ
ajsts-5819	6	28	-	-	PUNCT
ajsts-5819	6	29	term	term	NOUN
ajsts-5819	6	30	way	way	NOUN
ajsts-5819	6	31	.	.	PUNCT
ajsts-5819	7	1	the	the	DET
ajsts-5819	7	2	error	error	NOUN
ajsts-5819	7	3	correction	correction	NOUN
ajsts-5819	7	4	term	term	NOUN
ajsts-5819	7	5	implies	imply	VERB
ajsts-5819	7	6	a	a	DET
ajsts-5819	7	7	high	high	ADJ
ajsts-5819	7	8	rate	rate	NOUN
ajsts-5819	7	9	of	of	ADP
ajsts-5819	7	10	convergence	convergence	NOUN
ajsts-5819	7	11	to	to	ADP
ajsts-5819	7	12	equilibrium	equilibrium	NOUN
ajsts-5819	7	13	(	(	PUNCT
ajsts-5819	7	14	adjustment	adjustment	NOUN
ajsts-5819	7	15	speed	speed	NOUN
ajsts-5819	7	16	of	of	ADP
ajsts-5819	7	17	45	45	NUM
ajsts-5819	7	18	%	%	NOUN
ajsts-5819	7	19	)	)	PUNCT
ajsts-5819	7	20	.	.	PUNCT
ajsts-5819	8	1	model	model	NOUN
ajsts-5819	8	2	robustness	robustness	NOUN
ajsts-5819	8	3	is	be	AUX
ajsts-5819	8	4	validated	validate	VERB
ajsts-5819	8	5	by	by	ADP
ajsts-5819	8	6	diagnostic	diagnostic	ADJ
ajsts-5819	8	7	tests	test	NOUN
ajsts-5819	8	8	.	.	PUNCT
ajsts-5819	9	1	the	the	DET
ajsts-5819	9	2	results	result	NOUN
ajsts-5819	9	3	suggest	suggest	VERB
ajsts-5819	9	4	that	that	SCONJ
ajsts-5819	9	5	fintech	fintech	NOUN
ajsts-5819	9	6	usage	usage	NOUN
ajsts-5819	9	7	and	and	CCONJ
ajsts-5819	9	8	effective	effective	ADJ
ajsts-5819	9	9	financial	financial	ADJ
ajsts-5819	9	10	management	management	NOUN
ajsts-5819	9	11	are	be	AUX
ajsts-5819	9	12	mutually	mutually	ADV
ajsts-5819	9	13	supportive	supportive	ADJ
ajsts-5819	9	14	factors	factor	NOUN
ajsts-5819	9	15	of	of	ADP
ajsts-5819	9	16	supply	supply	NOUN
ajsts-5819	9	17	chain	chain	NOUN
ajsts-5819	9	18	efficiency	efficiency	NOUN
ajsts-5819	9	19	in	in	ADP
ajsts-5819	9	20	nigeria	nigeria	PROPN
ajsts-5819	9	21	.	.	PUNCT
ajsts-5819	10	1	based	base	VERB
ajsts-5819	10	2	on	on	ADP
ajsts-5819	10	3	this	this	PRON
ajsts-5819	10	4	,	,	PUNCT
ajsts-5819	10	5	companies	company	NOUN
ajsts-5819	10	6	and	and	CCONJ
ajsts-5819	10	7	policy	policy	NOUN
ajsts-5819	10	8	makers	maker	NOUN
ajsts-5819	10	9	ought	ought	AUX
ajsts-5819	10	10	to	to	PART
ajsts-5819	10	11	intensify	intensify	VERB
ajsts-5819	10	12	the	the	DET
ajsts-5819	10	13	use	use	NOUN
ajsts-5819	10	14	of	of	ADP
ajsts-5819	10	15	digital	digital	ADJ
ajsts-5819	10	16	financial	financial	ADJ
ajsts-5819	10	17	instruments	instrument	NOUN
ajsts-5819	10	18	and	and	CCONJ
ajsts-5819	10	19	enhance	enhance	VERB
ajsts-5819	10	20	accounting	accounting	NOUN
ajsts-5819	10	21	functions	function	NOUN
ajsts-5819	10	22	to	to	PART
ajsts-5819	10	23	promote	promote	VERB
ajsts-5819	10	24	robust	robust	ADJ
ajsts-5819	10	25	and	and	CCONJ
ajsts-5819	10	26	competitive	competitive	ADJ
ajsts-5819	10	27	logistics	logistic	NOUN
ajsts-5819	10	28	systems	system	NOUN
ajsts-5819	10	29	.	.	PUNCT
ajsts-5819	11	1	keywords	keyword	VERB
ajsts-5819	11	2	accounting	accounting	NOUN
ajsts-5819	11	3	efficiency	efficiency	NOUN
ajsts-5819	11	4	,	,	PUNCT
ajsts-5819	11	5	fintech	fintech	NOUN
ajsts-5819	11	6	,	,	PUNCT
ajsts-5819	11	7	logistics	logistic	NOUN
ajsts-5819	11	8	,	,	PUNCT
ajsts-5819	11	9	supply	supply	NOUN
ajsts-5819	11	10	chain	chain	NOUN
ajsts-5819	11	11	finance	finance	NOUN
ajsts-5819	11	12	,	,	PUNCT
ajsts-5819	11	13	supply	supply	NOUN
ajsts-5819	11	14	chain	chain	NOUN
ajsts-5819	11	15	performance	performance	NOUN
ajsts-5819	11	16	1	1	NUM
ajsts-5819	11	17	department	department	NOUN
ajsts-5819	11	18	of	of	ADP
ajsts-5819	11	19	accounting	accounting	NOUN
ajsts-5819	11	20	,	,	PUNCT
ajsts-5819	11	21	faculty	faculty	NOUN
ajsts-5819	11	22	of	of	ADP
ajsts-5819	11	23	management	management	NOUN
ajsts-5819	11	24	sciences	science	NOUN
ajsts-5819	11	25	,	,	PUNCT
ajsts-5819	11	26	ladoke	ladoke	ADJ
ajsts-5819	11	27	akintola	akintola	PROPN
ajsts-5819	11	28	university	university	PROPN
ajsts-5819	11	29	of	of	ADP
ajsts-5819	11	30	technology	technology	NOUN
ajsts-5819	11	31	ogbomoso	ogbomoso	NOUN
ajsts-5819	11	32	,	,	PUNCT
ajsts-5819	11	33	nigeria	nigeria	PROPN
ajsts-5819	11	34	2	2	NUM
ajsts-5819	11	35	department	department	NOUN
ajsts-5819	11	36	of	of	ADP
ajsts-5819	11	37	transport	transport	NOUN
ajsts-5819	11	38	management	management	NOUN
ajsts-5819	11	39	,	,	PUNCT
ajsts-5819	11	40	lautech	lautech	NOUN
ajsts-5819	11	41	open	open	ADJ
ajsts-5819	11	42	and	and	CCONJ
ajsts-5819	11	43	distance	distance	NOUN
ajsts-5819	11	44	learning	learning	NOUN
ajsts-5819	11	45	,	,	PUNCT
ajsts-5819	11	46	nigeria	nigeria	PROPN
ajsts-5819	11	47	*	*	PUNCT
ajsts-5819	11	48	corresponding	correspond	VERB
ajsts-5819	11	49	author	author	NOUN
ajsts-5819	11	50	’s	’s	PART
ajsts-5819	11	51	e	e	NOUN
ajsts-5819	11	52	-	-	NOUN
ajsts-5819	11	53	mail	mail	NOUN
ajsts-5819	11	54	:	:	PUNCT
ajsts-5819	11	55	aegbadegesin@lautech.edu.ng	aegbadegesin@lautech.edu.ng	ADP
ajsts-5819	11	56	introduction	introduction	NOUN
ajsts-5819	11	57	financial	financial	ADJ
ajsts-5819	11	58	technology	technology	NOUN
ajsts-5819	11	59	(	(	PUNCT
ajsts-5819	11	60	fintech	fintech	NOUN
ajsts-5819	11	61	)	)	PUNCT
ajsts-5819	11	62	is	be	AUX
ajsts-5819	11	63	changing	change	VERB
ajsts-5819	11	64	how	how	SCONJ
ajsts-5819	11	65	companies	company	NOUN
ajsts-5819	11	66	handle	handle	VERB
ajsts-5819	11	67	payments	payment	NOUN
ajsts-5819	11	68	,	,	PUNCT
ajsts-5819	11	69	financing	financing	NOUN
ajsts-5819	11	70	,	,	PUNCT
ajsts-5819	11	71	and	and	CCONJ
ajsts-5819	11	72	financial	financial	ADJ
ajsts-5819	11	73	records	record	NOUN
ajsts-5819	11	74	by	by	ADP
ajsts-5819	11	75	making	make	VERB
ajsts-5819	11	76	them	they	PRON
ajsts-5819	11	77	faster	fast	ADJ
ajsts-5819	11	78	,	,	PUNCT
ajsts-5819	11	79	more	more	ADJ
ajsts-5819	11	80	error	error	NOUN
ajsts-5819	11	81	-	-	PUNCT
ajsts-5819	11	82	free	free	ADJ
ajsts-5819	11	83	,	,	PUNCT
ajsts-5819	11	84	and	and	CCONJ
ajsts-5819	11	85	more	more	ADV
ajsts-5819	11	86	accessible	accessible	ADJ
ajsts-5819	11	87	(	(	PUNCT
ajsts-5819	11	88	lee	lee	PROPN
ajsts-5819	11	89	&	&	CCONJ
ajsts-5819	11	90	shin	shin	PROPN
ajsts-5819	11	91	,	,	PUNCT
ajsts-5819	11	92	2018	2018	NUM
ajsts-5819	11	93	)	)	PUNCT
ajsts-5819	11	94	.	.	PUNCT
ajsts-5819	12	1	fintech	fintech	NOUN
ajsts-5819	12	2	solutions	solution	NOUN
ajsts-5819	12	3	like	like	ADP
ajsts-5819	12	4	mobile	mobile	ADJ
ajsts-5819	12	5	money	money	NOUN
ajsts-5819	12	6	,	,	PUNCT
ajsts-5819	12	7	supply	supply	NOUN
ajsts-5819	12	8	chain	chain	NOUN
ajsts-5819	12	9	finance	finance	NOUN
ajsts-5819	12	10	,	,	PUNCT
ajsts-5819	12	11	and	and	CCONJ
ajsts-5819	12	12	digital	digital	ADJ
ajsts-5819	12	13	invoicing	invoicing	NOUN
ajsts-5819	12	14	enhance	enhance	VERB
ajsts-5819	12	15	the	the	DET
ajsts-5819	12	16	efficiency	efficiency	NOUN
ajsts-5819	12	17	of	of	ADP
ajsts-5819	12	18	operations	operation	NOUN
ajsts-5819	12	19	in	in	ADP
ajsts-5819	12	20	logistics	logistic	NOUN
ajsts-5819	12	21	by	by	ADP
ajsts-5819	12	22	automating	automate	VERB
ajsts-5819	12	23	payments	payment	NOUN
ajsts-5819	12	24	,	,	PUNCT
ajsts-5819	12	25	increasing	increase	VERB
ajsts-5819	12	26	transparency	transparency	NOUN
ajsts-5819	12	27	,	,	PUNCT
ajsts-5819	12	28	and	and	CCONJ
ajsts-5819	12	29	cutting	cut	VERB
ajsts-5819	12	30	lead	lead	NOUN
ajsts-5819	12	31	times	time	NOUN
ajsts-5819	12	32	(	(	PUNCT
ajsts-5819	12	33	liu	liu	PROPN
ajsts-5819	12	34	et	et	PROPN
ajsts-5819	12	35	al	al	PROPN
ajsts-5819	12	36	.	.	PROPN
ajsts-5819	12	37	,	,	PUNCT
ajsts-5819	12	38	2025	2025	NUM
ajsts-5819	12	39	)	)	PUNCT
ajsts-5819	12	40	.	.	PUNCT
ajsts-5819	13	1	such	such	ADJ
ajsts-5819	13	2	technologies	technology	NOUN
ajsts-5819	13	3	require	require	VERB
ajsts-5819	13	4	robust	robust	ADJ
ajsts-5819	13	5	accounting	accounting	NOUN
ajsts-5819	13	6	systems	system	NOUN
ajsts-5819	13	7	that	that	PRON
ajsts-5819	13	8	can	can	AUX
ajsts-5819	13	9	process	process	VERB
ajsts-5819	13	10	digital	digital	ADJ
ajsts-5819	13	11	transactions	transaction	NOUN
ajsts-5819	13	12	quickly	quickly	ADV
ajsts-5819	13	13	and	and	CCONJ
ajsts-5819	13	14	accurately	accurately	ADV
ajsts-5819	13	15	(	(	PUNCT
ajsts-5819	13	16	ibrahim	ibrahim	PROPN
ajsts-5819	13	17	&	&	CCONJ
ajsts-5819	13	18	yusuf	yusuf	PROPN
ajsts-5819	13	19	,	,	PUNCT
ajsts-5819	13	20	2025	2025	NUM
ajsts-5819	13	21	)	)	PUNCT
ajsts-5819	13	22	.	.	PUNCT
ajsts-5819	14	1	accounting	accounting	NOUN
ajsts-5819	14	2	efficiency	efficiency	NOUN
ajsts-5819	14	3	which	which	PRON
ajsts-5819	14	4	is	be	AUX
ajsts-5819	14	5	characterized	characterize	VERB
ajsts-5819	14	6	by	by	ADP
ajsts-5819	14	7	the	the	DET
ajsts-5819	14	8	pace	pace	NOUN
ajsts-5819	14	9	and	and	CCONJ
ajsts-5819	14	10	accuracy	accuracy	NOUN
ajsts-5819	14	11	of	of	ADP
ajsts-5819	14	12	financial	financial	ADJ
ajsts-5819	14	13	reporting	reporting	NOUN
ajsts-5819	14	14	facilitates	facilitate	VERB
ajsts-5819	14	15	the	the	DET
ajsts-5819	14	16	successful	successful	ADJ
ajsts-5819	14	17	application	application	NOUN
ajsts-5819	14	18	of	of	ADP
ajsts-5819	14	19	fintech	fintech	NOUN
ajsts-5819	14	20	tools	tool	NOUN
ajsts-5819	14	21	by	by	ADP
ajsts-5819	14	22	providing	provide	VERB
ajsts-5819	14	23	transparent	transparent	ADJ
ajsts-5819	14	24	and	and	CCONJ
ajsts-5819	14	25	coherent	coherent	ADJ
ajsts-5819	14	26	documentation	documentation	NOUN
ajsts-5819	14	27	of	of	ADP
ajsts-5819	14	28	both	both	CCONJ
ajsts-5819	14	29	internal	internal	ADJ
ajsts-5819	14	30	and	and	CCONJ
ajsts-5819	14	31	external	external	ADJ
ajsts-5819	14	32	logistics	logistic	NOUN
ajsts-5819	14	33	coordination	coordination	NOUN
ajsts-5819	14	34	(	(	PUNCT
ajsts-5819	14	35	chukwuka	chukwuka	PROPN
ajsts-5819	14	36	&	&	CCONJ
ajsts-5819	14	37	eze	eze	PROPN
ajsts-5819	14	38	,	,	PUNCT
ajsts-5819	14	39	2018	2018	NUM
ajsts-5819	14	40	)	)	PUNCT
ajsts-5819	14	41	.	.	PUNCT
ajsts-5819	15	1	collectively	collectively	ADV
ajsts-5819	15	2	,	,	PUNCT
ajsts-5819	15	3	fintech	fintech	NOUN
ajsts-5819	15	4	and	and	CCONJ
ajsts-5819	15	5	accounting	accounting	NOUN
ajsts-5819	15	6	efficiency	efficiency	NOUN
ajsts-5819	15	7	are	be	AUX
ajsts-5819	15	8	key	key	ADJ
ajsts-5819	15	9	drivers	driver	NOUN
ajsts-5819	15	10	of	of	ADP
ajsts-5819	15	11	supply	supply	NOUN
ajsts-5819	15	12	chain	chain	NOUN
ajsts-5819	15	13	performance	performance	NOUN
ajsts-5819	15	14	,	,	PUNCT
ajsts-5819	15	15	indicating	indicate	VERB
ajsts-5819	15	16	responsiveness	responsiveness	NOUN
ajsts-5819	15	17	,	,	PUNCT
ajsts-5819	15	18	cost	cost	NOUN
ajsts-5819	15	19	-	-	PUNCT
ajsts-5819	15	20	effectiveness	effectiveness	NOUN
ajsts-5819	15	21	,	,	PUNCT
ajsts-5819	15	22	and	and	CCONJ
ajsts-5819	15	23	reliability	reliability	NOUN
ajsts-5819	15	24	in	in	ADP
ajsts-5819	15	25	logistics	logistic	NOUN
ajsts-5819	15	26	operations	operation	NOUN
ajsts-5819	15	27	.	.	PUNCT
ajsts-5819	16	1	when	when	SCONJ
ajsts-5819	16	2	logistics	logistic	NOUN
ajsts-5819	16	3	companies	company	NOUN
ajsts-5819	16	4	implement	implement	VERB
ajsts-5819	16	5	fintech	fintech	NOUN
ajsts-5819	16	6	platforms	platform	NOUN
ajsts-5819	16	7	,	,	PUNCT
ajsts-5819	16	8	their	their	PRON
ajsts-5819	16	9	performance	performance	NOUN
ajsts-5819	16	10	is	be	AUX
ajsts-5819	16	11	usually	usually	ADV
ajsts-5819	16	12	determined	determine	VERB
ajsts-5819	16	13	by	by	ADP
ajsts-5819	16	14	the	the	DET
ajsts-5819	16	15	extent	extent	NOUN
ajsts-5819	16	16	to	to	PART
ajsts-5819	16	17	which	which	PRON
ajsts-5819	16	18	these	these	DET
ajsts-5819	16	19	tools	tool	NOUN
ajsts-5819	16	20	can	can	AUX
ajsts-5819	16	21	be	be	AUX
ajsts-5819	16	22	used	use	VERB
ajsts-5819	16	23	to	to	PART
ajsts-5819	16	24	enhance	enhance	VERB
ajsts-5819	16	25	delivery	delivery	NOUN
ajsts-5819	16	26	,	,	PUNCT
ajsts-5819	16	27	minimize	minimize	VERB
ajsts-5819	16	28	the	the	DET
ajsts-5819	16	29	time	time	NOUN
ajsts-5819	16	30	lag	lag	NOUN
ajsts-5819	16	31	in	in	ADP
ajsts-5819	16	32	transactions	transaction	NOUN
ajsts-5819	16	33	,	,	PUNCT
ajsts-5819	16	34	and	and	CCONJ
ajsts-5819	16	35	help	help	VERB
ajsts-5819	16	36	to	to	PART
ajsts-5819	16	37	manage	manage	VERB
ajsts-5819	16	38	inventory	inventory	NOUN
ajsts-5819	16	39	(	(	PUNCT
ajsts-5819	16	40	zhang	zhang	X
ajsts-5819	16	41	et	et	PROPN
ajsts-5819	16	42	al	al	PROPN
ajsts-5819	16	43	.	.	PROPN
ajsts-5819	16	44	,	,	PUNCT
ajsts-5819	16	45	2024	2024	NUM
ajsts-5819	16	46	)	)	PUNCT
ajsts-5819	16	47	.	.	PUNCT
ajsts-5819	17	1	despite	despite	SCONJ
ajsts-5819	17	2	this	this	PRON
ajsts-5819	17	3	,	,	PUNCT
ajsts-5819	17	4	the	the	DET
ajsts-5819	17	5	logistics	logistic	NOUN
ajsts-5819	17	6	sector	sector	NOUN
ajsts-5819	17	7	in	in	ADP
ajsts-5819	17	8	nigeria	nigeria	PROPN
ajsts-5819	17	9	is	be	AUX
ajsts-5819	17	10	still	still	ADV
ajsts-5819	17	11	grappling	grapple	VERB
ajsts-5819	17	12	with	with	ADP
ajsts-5819	17	13	efficiency	efficiency	NOUN
ajsts-5819	17	14	problems	problem	NOUN
ajsts-5819	17	15	with	with	ADP
ajsts-5819	17	16	the	the	DET
ajsts-5819	17	17	country	country	NOUN
ajsts-5819	17	18	ranking	rank	VERB
ajsts-5819	17	19	110th	110th	NOUN
ajsts-5819	17	20	in	in	ADP
ajsts-5819	17	21	the	the	DET
ajsts-5819	17	22	world	world	NOUN
ajsts-5819	17	23	bank	bank	PROPN
ajsts-5819	17	24	logistics	logistic	NOUN
ajsts-5819	17	25	performance	performance	NOUN
ajsts-5819	17	26	index	index	NOUN
ajsts-5819	17	27	in	in	ADP
ajsts-5819	17	28	2018	2018	NUM
ajsts-5819	17	29	and	and	CCONJ
ajsts-5819	17	30	an	an	DET
ajsts-5819	17	31	overall	overall	ADJ
ajsts-5819	17	32	score	score	NOUN
ajsts-5819	17	33	of	of	ADP
ajsts-5819	17	34	2.53	2.53	NUM
ajsts-5819	17	35	,	,	PUNCT
ajsts-5819	17	36	which	which	PRON
ajsts-5819	17	37	indicates	indicate	VERB
ajsts-5819	17	38	poorly	poorly	ADV
ajsts-5819	17	39	developed	develop	VERB
ajsts-5819	17	40	supply	supply	NOUN
ajsts-5819	17	41	chain	chain	NOUN
ajsts-5819	17	42	infrastructure	infrastructure	NOUN
ajsts-5819	17	43	and	and	CCONJ
ajsts-5819	17	44	processes	process	NOUN
ajsts-5819	17	45	(	(	PUNCT
ajsts-5819	17	46	world	world	PROPN
ajsts-5819	17	47	bank	bank	NOUN
ajsts-5819	17	48	,	,	PUNCT
ajsts-5819	17	49	2018	2018	NUM
ajsts-5819	17	50	)	)	PUNCT
ajsts-5819	17	51	.	.	PUNCT
ajsts-5819	18	1	although	although	SCONJ
ajsts-5819	18	2	the	the	DET
ajsts-5819	18	3	use	use	NOUN
ajsts-5819	18	4	of	of	ADP
ajsts-5819	18	5	fintech	fintech	NOUN
ajsts-5819	18	6	in	in	ADP
ajsts-5819	18	7	nigeria	nigeria	PROPN
ajsts-5819	18	8	has	have	AUX
ajsts-5819	18	9	been	be	AUX
ajsts-5819	18	10	growing	grow	VERB
ajsts-5819	18	11	,	,	PUNCT
ajsts-5819	18	12	many	many	ADJ
ajsts-5819	18	13	logistics	logistic	NOUN
ajsts-5819	18	14	firms	firm	NOUN
ajsts-5819	18	15	still	still	ADV
ajsts-5819	18	16	experience	experience	VERB
ajsts-5819	18	17	delays	delay	NOUN
ajsts-5819	18	18	in	in	ADP
ajsts-5819	18	19	reconciliation	reconciliation	NOUN
ajsts-5819	18	20	,	,	PUNCT
ajsts-5819	18	21	lack	lack	NOUN
ajsts-5819	18	22	of	of	ADP
ajsts-5819	18	23	transparency	transparency	NOUN
ajsts-5819	18	24	in	in	ADP
ajsts-5819	18	25	the	the	DET
ajsts-5819	18	26	history	history	NOUN
ajsts-5819	18	27	of	of	ADP
ajsts-5819	18	28	transactions	transaction	NOUN
ajsts-5819	18	29	,	,	PUNCT
ajsts-5819	18	30	and	and	CCONJ
ajsts-5819	18	31	ineffective	ineffective	ADJ
ajsts-5819	18	32	integration	integration	NOUN
ajsts-5819	18	33	of	of	ADP
ajsts-5819	18	34	digital	digital	ADJ
ajsts-5819	18	35	tools	tool	NOUN
ajsts-5819	18	36	and	and	CCONJ
ajsts-5819	18	37	accounting	accounting	NOUN
ajsts-5819	18	38	systems	system	NOUN
ajsts-5819	18	39	(	(	PUNCT
ajsts-5819	18	40	osei	osei	PROPN
ajsts-5819	18	41	-	-	PUNCT
ajsts-5819	18	42	tutu	tutu	PROPN
ajsts-5819	18	43	&	&	CCONJ
ajsts-5819	18	44	agyemang	agyemang	PROPN
ajsts-5819	18	45	,	,	PUNCT
ajsts-5819	18	46	2023	2023	NUM
ajsts-5819	18	47	)	)	PUNCT
ajsts-5819	18	48	.	.	PUNCT
ajsts-5819	19	1	small	small	ADJ
ajsts-5819	19	2	and	and	CCONJ
ajsts-5819	19	3	medium	medium	ADJ
ajsts-5819	19	4	logistics	logistic	NOUN
ajsts-5819	19	5	firms	firm	NOUN
ajsts-5819	19	6	are	be	AUX
ajsts-5819	19	7	especially	especially	ADV
ajsts-5819	19	8	unable	unable	ADJ
ajsts-5819	19	9	to	to	PART
ajsts-5819	19	10	adopt	adopt	VERB
ajsts-5819	19	11	extensive	extensive	ADJ
ajsts-5819	19	12	digital	digital	ADJ
ajsts-5819	19	13	solutions	solution	NOUN
ajsts-5819	19	14	,	,	PUNCT
ajsts-5819	19	15	and	and	CCONJ
ajsts-5819	19	16	many	many	ADJ
ajsts-5819	19	17	of	of	ADP
ajsts-5819	19	18	them	they	PRON
ajsts-5819	19	19	rely	rely	VERB
ajsts-5819	19	20	on	on	ADP
ajsts-5819	19	21	fragmented	fragmented	ADJ
ajsts-5819	19	22	or	or	CCONJ
ajsts-5819	19	23	manual	manual	ADJ
ajsts-5819	19	24	accounting	accounting	NOUN
ajsts-5819	19	25	(	(	PUNCT
ajsts-5819	19	26	egwuonwu	egwuonwu	NOUN
ajsts-5819	19	27	et	et	PROPN
ajsts-5819	19	28	al	al	PROPN
ajsts-5819	19	29	.	.	PROPN
ajsts-5819	19	30	,	,	PUNCT
ajsts-5819	19	31	2023	2023	NUM
ajsts-5819	19	32	)	)	PUNCT
ajsts-5819	19	33	.	.	PUNCT
ajsts-5819	20	1	furthermore	furthermore	ADV
ajsts-5819	20	2	,	,	PUNCT
ajsts-5819	20	3	the	the	DET
ajsts-5819	20	4	long	long	ADV
ajsts-5819	20	5	-	-	PUNCT
ajsts-5819	20	6	run	run	NOUN
ajsts-5819	20	7	effects	effect	NOUN
ajsts-5819	20	8	of	of	ADP
ajsts-5819	20	9	fintech	fintech	NOUN
ajsts-5819	20	10	and	and	CCONJ
ajsts-5819	20	11	accounting	accounting	NOUN
ajsts-5819	20	12	efficiency	efficiency	NOUN
ajsts-5819	20	13	on	on	ADP
ajsts-5819	20	14	the	the	DET
ajsts-5819	20	15	performance	performance	NOUN
ajsts-5819	20	16	of	of	ADP
ajsts-5819	20	17	logistics	logistic	NOUN
ajsts-5819	20	18	in	in	ADP
ajsts-5819	20	19	nigeria	nigeria	PROPN
ajsts-5819	20	20	have	have	AUX
ajsts-5819	20	21	not	not	PART
ajsts-5819	20	22	been	be	AUX
ajsts-5819	20	23	sufficiently	sufficiently	ADV
ajsts-5819	20	24	tested	test	VERB
ajsts-5819	20	25	by	by	ADP
ajsts-5819	20	26	econometric	econometric	ADJ
ajsts-5819	20	27	models	model	NOUN
ajsts-5819	20	28	.	.	PUNCT
ajsts-5819	21	1	most	most	ADJ
ajsts-5819	21	2	of	of	ADP
ajsts-5819	21	3	the	the	DET
ajsts-5819	21	4	literature	literature	NOUN
ajsts-5819	21	5	available	available	ADJ
ajsts-5819	21	6	focuses	focus	VERB
ajsts-5819	21	7	on	on	ADP
ajsts-5819	21	8	financial	financial	ADJ
ajsts-5819	21	9	innovation	innovation	NOUN
ajsts-5819	21	10	or	or	CCONJ
ajsts-5819	21	11	operational	operational	ADJ
ajsts-5819	21	12	performance	performance	NOUN
ajsts-5819	21	13	separately	separately	ADV
ajsts-5819	21	14	.	.	PUNCT
ajsts-5819	22	1	the	the	DET
ajsts-5819	22	2	paper	paper	NOUN
ajsts-5819	22	3	addresses	address	VERB
ajsts-5819	22	4	this	this	DET
ajsts-5819	22	5	research	research	NOUN
ajsts-5819	22	6	gap	gap	NOUN
ajsts-5819	22	7	by	by	ADP
ajsts-5819	22	8	examining	examine	VERB
ajsts-5819	22	9	the	the	DET
ajsts-5819	22	10	connection	connection	NOUN
ajsts-5819	22	11	between	between	ADP
ajsts-5819	22	12	fintech	fintech	NOUN
ajsts-5819	22	13	and	and	CCONJ
ajsts-5819	22	14	accounting	accounting	NOUN
ajsts-5819	22	15	efficiency	efficiency	NOUN
ajsts-5819	22	16	in	in	ADP
ajsts-5819	22	17	influencing	influence	VERB
ajsts-5819	22	18	supply	supply	NOUN
ajsts-5819	22	19	chain	chain	NOUN
ajsts-5819	22	20	performance	performance	NOUN
ajsts-5819	22	21	in	in	ADP
ajsts-5819	22	22	nigeria	nigeria	PROPN
ajsts-5819	22	23	using	use	VERB
ajsts-5819	22	24	recent	recent	ADJ
ajsts-5819	22	25	time	time	NOUN
ajsts-5819	22	26	-	-	PUNCT
ajsts-5819	22	27	series	series	NOUN
ajsts-5819	22	28	data	datum	NOUN
ajsts-5819	22	29	and	and	CCONJ
ajsts-5819	22	30	ardl	ardl	NOUN
ajsts-5819	22	31	modeling	modeling	NOUN
ajsts-5819	22	32	.	.	PUNCT
ajsts-5819	23	1	hypotheses	hypothesis	NOUN
ajsts-5819	23	2	of	of	ADP
ajsts-5819	23	3	the	the	DET
ajsts-5819	23	4	study	study	NOUN
ajsts-5819	23	5	two	two	NUM
ajsts-5819	23	6	hypotheses	hypothesis	NOUN
ajsts-5819	23	7	were	be	AUX
ajsts-5819	23	8	tested	test	VERB
ajsts-5819	23	9	in	in	ADP
ajsts-5819	23	10	this	this	DET
ajsts-5819	23	11	study	study	NOUN
ajsts-5819	23	12	:	:	PUNCT
ajsts-5819	23	13	h01	h01	NOUN
ajsts-5819	23	14	:	:	PUNCT
ajsts-5819	23	15	fintech	fintech	NOUN
ajsts-5819	23	16	adoption	adoption	NOUN
ajsts-5819	23	17	has	have	VERB
ajsts-5819	23	18	no	no	DET
ajsts-5819	23	19	positive	positive	ADJ
ajsts-5819	23	20	impact	impact	NOUN
ajsts-5819	23	21	on	on	ADP
ajsts-5819	23	22	accounting	accounting	NOUN
ajsts-5819	23	23	efficiency	efficiency	NOUN
ajsts-5819	23	24	;	;	PUNCT
ajsts-5819	23	25	h02	h02	NOUN
ajsts-5819	23	26	:	:	PUNCT
ajsts-5819	23	27	fintech	fintech	NOUN
ajsts-5819	23	28	adoption	adoption	NOUN
ajsts-5819	23	29	has	have	VERB
ajsts-5819	23	30	no	no	DET
ajsts-5819	23	31	positive	positive	ADJ
ajsts-5819	23	32	impact	impact	NOUN
ajsts-5819	23	33	on	on	ADP
ajsts-5819	23	34	supply	supply	NOUN
ajsts-5819	23	35	chain	chain	NOUN
ajsts-5819	23	36	performance	performance	NOUN
ajsts-5819	23	37	.	.	PUNCT
ajsts-5819	24	1	literature	literature	NOUN
ajsts-5819	24	2	review	review	PROPN
ajsts-5819	24	3	fintech	fintech	NOUN
ajsts-5819	24	4	refers	refer	VERB
ajsts-5819	24	5	to	to	ADP
ajsts-5819	24	6	the	the	DET
ajsts-5819	24	7	financial	financial	ADJ
ajsts-5819	24	8	technological	technological	ADJ
ajsts-5819	24	9	developments	development	NOUN
ajsts-5819	24	10	that	that	PRON
ajsts-5819	24	11	promote	promote	VERB
ajsts-5819	24	12	the	the	DET
ajsts-5819	24	13	smooth	smooth	ADJ
ajsts-5819	24	14	,	,	PUNCT
ajsts-5819	24	15	safe	safe	ADJ
ajsts-5819	24	16	,	,	PUNCT
ajsts-5819	24	17	and	and	CCONJ
ajsts-5819	24	18	efficient	efficient	ADJ
ajsts-5819	24	19	financial	financial	ADJ
ajsts-5819	24	20	transactions	transaction	NOUN
ajsts-5819	24	21	.	.	PUNCT
ajsts-5819	25	1	it	it	PRON
ajsts-5819	25	2	encompasses	encompass	VERB
ajsts-5819	25	3	mobile	mobile	ADJ
ajsts-5819	25	4	payments	payment	NOUN
ajsts-5819	25	5	,	,	PUNCT
ajsts-5819	25	6	digital	digital	ADJ
ajsts-5819	25	7	lending	lending	NOUN
ajsts-5819	25	8	,	,	PUNCT
ajsts-5819	25	9	blockchain	blockchain	NOUN
ajsts-5819	25	10	,	,	PUNCT
ajsts-5819	25	11	and	and	CCONJ
ajsts-5819	25	12	other	other	ADJ
ajsts-5819	25	13	it	it	PRON
ajsts-5819	25	14	-	-	PUNCT
ajsts-5819	25	15	enabled	enable	VERB
ajsts-5819	25	16	financial	financial	ADJ
ajsts-5819	25	17	pa	pa	PROPN
ajsts-5819	25	18	ge	ge	PROPN
ajsts-5819	25	19	64	64	NUM
ajsts-5819	25	20	https://journals.e-palli.com/home/index.php/ajsts	https://journals.e-palli.com/home/index.php/ajst	NOUN
ajsts-5819	25	21	am	be	AUX
ajsts-5819	25	22	.	.	PUNCT
ajsts-5819	26	1	j.	j.	PROPN
ajsts-5819	26	2	smart	smart	PROPN
ajsts-5819	26	3	.	.	PUNCT
ajsts-5819	27	1	technol	technol	PROPN
ajsts-5819	27	2	.	.	PUNCT
ajsts-5819	27	3	solutions	solution	NOUN
ajsts-5819	27	4	4(2	4(2	NUM
ajsts-5819	27	5	)	)	PUNCT
ajsts-5819	27	6	63	63	NUM
ajsts-5819	27	7	-	-	SYM
ajsts-5819	27	8	69	69	NUM
ajsts-5819	27	9	,	,	PUNCT
ajsts-5819	27	10	2025	2025	NUM
ajsts-5819	27	11	services	service	NOUN
ajsts-5819	27	12	(	(	PUNCT
ajsts-5819	27	13	arnaut	arnaut	PROPN
ajsts-5819	27	14	&	&	CCONJ
ajsts-5819	27	15	bećirović	bećirović	PROPN
ajsts-5819	27	16	,	,	PUNCT
ajsts-5819	27	17	2023	2023	NUM
ajsts-5819	27	18	;	;	PUNCT
ajsts-5819	27	19	suryono	suryono	VERB
ajsts-5819	27	20	et	et	PROPN
ajsts-5819	27	21	al	al	PROPN
ajsts-5819	27	22	.	.	PROPN
ajsts-5819	27	23	,	,	PUNCT
ajsts-5819	27	24	2020	2020	NUM
ajsts-5819	27	25	)	)	PUNCT
ajsts-5819	27	26	.	.	PUNCT
ajsts-5819	28	1	fintech	fintech	NOUN
ajsts-5819	28	2	has	have	AUX
ajsts-5819	28	3	revolutionized	revolutionize	VERB
ajsts-5819	28	4	the	the	DET
ajsts-5819	28	5	banking	banking	NOUN
ajsts-5819	28	6	industry	industry	NOUN
ajsts-5819	28	7	in	in	ADP
ajsts-5819	28	8	the	the	DET
ajsts-5819	28	9	world	world	NOUN
ajsts-5819	28	10	,	,	PUNCT
ajsts-5819	28	11	making	make	VERB
ajsts-5819	28	12	it	it	PRON
ajsts-5819	28	13	cheaper	cheap	ADJ
ajsts-5819	28	14	and	and	CCONJ
ajsts-5819	28	15	more	more	ADV
ajsts-5819	28	16	accessible	accessible	ADJ
ajsts-5819	28	17	(	(	PUNCT
ajsts-5819	28	18	martinčević	martinčević	PROPN
ajsts-5819	28	19	et	et	PROPN
ajsts-5819	28	20	al	al	PROPN
ajsts-5819	28	21	.	.	PROPN
ajsts-5819	28	22	,	,	PUNCT
ajsts-5819	28	23	2020	2020	NUM
ajsts-5819	28	24	;	;	PUNCT
ajsts-5819	28	25	elsaid	elsaid	VERB
ajsts-5819	28	26	,	,	PUNCT
ajsts-5819	28	27	2023	2023	NUM
ajsts-5819	28	28	)	)	PUNCT
ajsts-5819	28	29	.	.	PUNCT
ajsts-5819	29	1	the	the	DET
ajsts-5819	29	2	rapid	rapid	ADJ
ajsts-5819	29	3	growth	growth	NOUN
ajsts-5819	29	4	of	of	ADP
ajsts-5819	29	5	fintech	fintech	NOUN
ajsts-5819	29	6	in	in	ADP
ajsts-5819	29	7	sub	sub	ADJ
ajsts-5819	29	8	-	-	ADJ
ajsts-5819	29	9	saharan	saharan	ADJ
ajsts-5819	29	10	africa	africa	PROPN
ajsts-5819	29	11	and	and	CCONJ
ajsts-5819	29	12	in	in	ADP
ajsts-5819	29	13	nigeria	nigeria	PROPN
ajsts-5819	29	14	,	,	PUNCT
ajsts-5819	29	15	in	in	ADP
ajsts-5819	29	16	particular	particular	ADJ
ajsts-5819	29	17	,	,	PUNCT
ajsts-5819	29	18	is	be	AUX
ajsts-5819	29	19	explained	explain	VERB
ajsts-5819	29	20	by	by	ADP
ajsts-5819	29	21	the	the	DET
ajsts-5819	29	22	high	high	ADJ
ajsts-5819	29	23	saturation	saturation	NOUN
ajsts-5819	29	24	of	of	ADP
ajsts-5819	29	25	mobile	mobile	ADJ
ajsts-5819	29	26	phones	phone	NOUN
ajsts-5819	29	27	and	and	CCONJ
ajsts-5819	29	28	unmet	unmet	NOUN
ajsts-5819	29	29	financial	financial	ADJ
ajsts-5819	29	30	needs	need	NOUN
ajsts-5819	29	31	(	(	PUNCT
ajsts-5819	29	32	giglio	giglio	NOUN
ajsts-5819	29	33	,	,	PUNCT
ajsts-5819	29	34	2021	2021	NUM
ajsts-5819	29	35	;	;	PUNCT
ajsts-5819	29	36	kolaoyeneyin	kolaoyeneyin	PROPN
ajsts-5819	29	37	et	et	PROPN
ajsts-5819	29	38	al	al	PROPN
ajsts-5819	29	39	.	.	PROPN
ajsts-5819	29	40	,	,	PUNCT
ajsts-5819	29	41	2021	2021	NUM
ajsts-5819	29	42	)	)	PUNCT
ajsts-5819	29	43	.	.	PUNCT
ajsts-5819	30	1	nigeria	nigeria	PROPN
ajsts-5819	30	2	has	have	AUX
ajsts-5819	30	3	developed	develop	VERB
ajsts-5819	30	4	one	one	NUM
ajsts-5819	30	5	of	of	ADP
ajsts-5819	30	6	the	the	DET
ajsts-5819	30	7	largest	large	ADJ
ajsts-5819	30	8	fintech	fintech	NOUN
ajsts-5819	30	9	industries	industry	NOUN
ajsts-5819	30	10	on	on	ADP
ajsts-5819	30	11	the	the	DET
ajsts-5819	30	12	continent	continent	NOUN
ajsts-5819	30	13	,	,	PUNCT
ajsts-5819	30	14	facilitating	facilitate	VERB
ajsts-5819	30	15	digital	digital	ADJ
ajsts-5819	30	16	payments	payment	NOUN
ajsts-5819	30	17	and	and	CCONJ
ajsts-5819	30	18	credit	credit	NOUN
ajsts-5819	30	19	to	to	ADP
ajsts-5819	30	20	millions	million	NOUN
ajsts-5819	30	21	of	of	ADP
ajsts-5819	30	22	people	people	NOUN
ajsts-5819	30	23	(	(	PUNCT
ajsts-5819	30	24	koffi	koffi	PROPN
ajsts-5819	30	25	,	,	PUNCT
ajsts-5819	30	26	2016	2016	NUM
ajsts-5819	30	27	;	;	PUNCT
ajsts-5819	30	28	kyari	kyari	PROPN
ajsts-5819	30	29	&	&	CCONJ
ajsts-5819	30	30	akinwale	akinwale	PROPN
ajsts-5819	30	31	,	,	PUNCT
ajsts-5819	30	32	2020	2020	NUM
ajsts-5819	30	33	)	)	PUNCT
ajsts-5819	30	34	.	.	PUNCT
ajsts-5819	31	1	in	in	ADP
ajsts-5819	31	2	2023	2023	NUM
ajsts-5819	31	3	,	,	PUNCT
ajsts-5819	31	4	2.24	2.24	NUM
ajsts-5819	31	5	quadrillion	quadrillion	NOUN
ajsts-5819	31	6	in	in	ADP
ajsts-5819	31	7	total	total	ADJ
ajsts-5819	31	8	electronic	electronic	ADJ
ajsts-5819	31	9	payments	payment	NOUN
ajsts-5819	31	10	was	be	AUX
ajsts-5819	31	11	facilitated	facilitate	VERB
ajsts-5819	31	12	in	in	ADP
ajsts-5819	31	13	nigeria	nigeria	PROPN
ajsts-5819	31	14	,	,	PUNCT
ajsts-5819	31	15	which	which	PRON
ajsts-5819	31	16	means	mean	VERB
ajsts-5819	31	17	that	that	SCONJ
ajsts-5819	31	18	digital	digital	ADJ
ajsts-5819	31	19	finance	finance	NOUN
ajsts-5819	31	20	is	be	AUX
ajsts-5819	31	21	highly	highly	ADV
ajsts-5819	31	22	utilized	utilize	VERB
ajsts-5819	31	23	.	.	PUNCT
ajsts-5819	32	1	there	there	PRON
ajsts-5819	32	2	is	be	VERB
ajsts-5819	32	3	a	a	DET
ajsts-5819	32	4	tendency	tendency	NOUN
ajsts-5819	32	5	to	to	PART
ajsts-5819	32	6	relate	relate	VERB
ajsts-5819	32	7	the	the	DET
ajsts-5819	32	8	emergence	emergence	NOUN
ajsts-5819	32	9	of	of	ADP
ajsts-5819	32	10	fintech	fintech	NOUN
ajsts-5819	32	11	to	to	ADP
ajsts-5819	32	12	improved	improve	VERB
ajsts-5819	32	13	firm	firm	ADJ
ajsts-5819	32	14	performance	performance	NOUN
ajsts-5819	32	15	.	.	PUNCT
ajsts-5819	33	1	to	to	PART
ajsts-5819	33	2	illustrate	illustrate	VERB
ajsts-5819	33	3	,	,	PUNCT
ajsts-5819	33	4	okoye	okoye	PROPN
ajsts-5819	33	5	et	et	PROPN
ajsts-5819	33	6	al	al	PROPN
ajsts-5819	33	7	.	.	PROPN
ajsts-5819	34	1	(	(	PUNCT
ajsts-5819	34	2	2024	2024	NUM
ajsts-5819	34	3	)	)	PUNCT
ajsts-5819	34	4	found	find	VERB
ajsts-5819	34	5	that	that	SCONJ
ajsts-5819	34	6	the	the	DET
ajsts-5819	34	7	use	use	NOUN
ajsts-5819	34	8	of	of	ADP
ajsts-5819	34	9	fintech	fintech	NOUN
ajsts-5819	34	10	positively	positively	ADV
ajsts-5819	34	11	and	and	CCONJ
ajsts-5819	34	12	significantly	significantly	ADV
ajsts-5819	34	13	contributed	contribute	VERB
ajsts-5819	34	14	to	to	ADP
ajsts-5819	34	15	the	the	DET
ajsts-5819	34	16	development	development	NOUN
ajsts-5819	34	17	of	of	ADP
ajsts-5819	34	18	nigerian	nigerian	ADJ
ajsts-5819	34	19	smes	sme	NOUN
ajsts-5819	34	20	and	and	CCONJ
ajsts-5819	34	21	the	the	DET
ajsts-5819	34	22	profitability	profitability	NOUN
ajsts-5819	34	23	of	of	ADP
ajsts-5819	34	24	banks	bank	NOUN
ajsts-5819	34	25	due	due	ADJ
ajsts-5819	34	26	to	to	ADP
ajsts-5819	34	27	an	an	DET
ajsts-5819	34	28	extended	extended	ADJ
ajsts-5819	34	29	customer	customer	NOUN
ajsts-5819	34	30	base	base	NOUN
ajsts-5819	34	31	.	.	PUNCT
ajsts-5819	35	1	fintech	fintech	NOUN
ajsts-5819	35	2	also	also	ADV
ajsts-5819	35	3	enhances	enhance	VERB
ajsts-5819	35	4	financial	financial	ADJ
ajsts-5819	35	5	inclusion	inclusion	NOUN
ajsts-5819	35	6	and	and	CCONJ
ajsts-5819	35	7	flexibility	flexibility	NOUN
ajsts-5819	35	8	,	,	PUNCT
ajsts-5819	35	9	which	which	PRON
ajsts-5819	35	10	have	have	VERB
ajsts-5819	35	11	an	an	DET
ajsts-5819	35	12	indirect	indirect	ADJ
ajsts-5819	35	13	positive	positive	ADJ
ajsts-5819	35	14	impact	impact	NOUN
ajsts-5819	35	15	on	on	ADP
ajsts-5819	35	16	supply	supply	NOUN
ajsts-5819	35	17	chains	chain	NOUN
ajsts-5819	35	18	(	(	PUNCT
ajsts-5819	35	19	siano	siano	X
ajsts-5819	35	20	et	et	PROPN
ajsts-5819	35	21	al	al	PROPN
ajsts-5819	35	22	.	.	PROPN
ajsts-5819	35	23	,	,	PUNCT
ajsts-5819	35	24	2020	2020	NUM
ajsts-5819	35	25	;	;	PUNCT
ajsts-5819	35	26	asamoah	asamoah	PROPN
ajsts-5819	35	27	&	&	CCONJ
ajsts-5819	35	28	owusuagyei	owusuagyei	PROPN
ajsts-5819	35	29	,	,	PUNCT
ajsts-5819	35	30	2020	2020	NUM
ajsts-5819	35	31	)	)	PUNCT
ajsts-5819	35	32	.	.	PUNCT
ajsts-5819	36	1	in	in	ADP
ajsts-5819	36	2	a	a	DET
ajsts-5819	36	3	complex	complex	ADJ
ajsts-5819	36	4	supply	supply	NOUN
ajsts-5819	36	5	chain	chain	NOUN
ajsts-5819	36	6	,	,	PUNCT
ajsts-5819	36	7	efficient	efficient	ADJ
ajsts-5819	36	8	accounting	accounting	NOUN
ajsts-5819	36	9	systems	system	NOUN
ajsts-5819	36	10	are	be	AUX
ajsts-5819	36	11	essential	essential	ADJ
ajsts-5819	36	12	to	to	ADP
ajsts-5819	36	13	organizational	organizational	ADJ
ajsts-5819	36	14	performance	performance	NOUN
ajsts-5819	36	15	(	(	PUNCT
ajsts-5819	36	16	hakkak	hakkak	NOUN
ajsts-5819	36	17	&	&	CCONJ
ajsts-5819	36	18	ghodsi	ghodsi	NOUN
ajsts-5819	36	19	,	,	PUNCT
ajsts-5819	36	20	2015	2015	NUM
ajsts-5819	36	21	)	)	PUNCT
ajsts-5819	36	22	.	.	PUNCT
ajsts-5819	37	1	accounting	accounting	NOUN
ajsts-5819	37	2	efficiency	efficiency	NOUN
ajsts-5819	37	3	suggests	suggest	VERB
ajsts-5819	37	4	prompt	prompt	ADJ
ajsts-5819	37	5	and	and	CCONJ
ajsts-5819	37	6	correct	correct	ADJ
ajsts-5819	37	7	financial	financial	ADJ
ajsts-5819	37	8	data	datum	NOUN
ajsts-5819	37	9	and	and	CCONJ
ajsts-5819	37	10	efficient	efficient	ADJ
ajsts-5819	37	11	billing	billing	NOUN
ajsts-5819	37	12	,	,	PUNCT
ajsts-5819	37	13	payment	payment	NOUN
ajsts-5819	37	14	,	,	PUNCT
ajsts-5819	37	15	and	and	CCONJ
ajsts-5819	37	16	reporting	reporting	NOUN
ajsts-5819	37	17	procedures	procedure	NOUN
ajsts-5819	37	18	.	.	PUNCT
ajsts-5819	38	1	these	these	DET
ajsts-5819	38	2	processes	process	NOUN
ajsts-5819	38	3	have	have	AUX
ajsts-5819	38	4	been	be	AUX
ajsts-5819	38	5	found	find	VERB
ajsts-5819	38	6	to	to	PART
ajsts-5819	38	7	be	be	AUX
ajsts-5819	38	8	enhanced	enhance	VERB
ajsts-5819	38	9	by	by	ADP
ajsts-5819	38	10	fintech	fintech	NOUN
ajsts-5819	38	11	tools	tool	NOUN
ajsts-5819	38	12	.	.	PUNCT
ajsts-5819	39	1	harsono	harsono	NOUN
ajsts-5819	39	2	and	and	CCONJ
ajsts-5819	39	3	suprapti	suprapti	NOUN
ajsts-5819	39	4	(	(	PUNCT
ajsts-5819	39	5	2024	2024	NUM
ajsts-5819	39	6	)	)	PUNCT
ajsts-5819	39	7	emphasize	emphasize	VERB
ajsts-5819	39	8	that	that	SCONJ
ajsts-5819	39	9	fintech	fintech	NOUN
ajsts-5819	39	10	-	-	PUNCT
ajsts-5819	39	11	powered	power	VERB
ajsts-5819	39	12	solutions	solution	NOUN
ajsts-5819	39	13	(	(	PUNCT
ajsts-5819	39	14	e.g.	e.g.	ADV
ajsts-5819	39	15	mobile	mobile	ADJ
ajsts-5819	39	16	banking	banking	NOUN
ajsts-5819	39	17	,	,	PUNCT
ajsts-5819	39	18	e	e	NOUN
ajsts-5819	39	19	-	-	NOUN
ajsts-5819	39	20	invoicing	invoicing	NOUN
ajsts-5819	39	21	)	)	PUNCT
ajsts-5819	39	22	can	can	AUX
ajsts-5819	39	23	transform	transform	VERB
ajsts-5819	39	24	financial	financial	ADJ
ajsts-5819	39	25	efficiency	efficiency	NOUN
ajsts-5819	39	26	by	by	ADP
ajsts-5819	39	27	making	make	VERB
ajsts-5819	39	28	operations	operation	NOUN
ajsts-5819	39	29	simpler	simple	ADJ
ajsts-5819	39	30	,	,	PUNCT
ajsts-5819	39	31	cutting	cut	VERB
ajsts-5819	39	32	costs	cost	NOUN
ajsts-5819	39	33	,	,	PUNCT
ajsts-5819	39	34	and	and	CCONJ
ajsts-5819	39	35	improving	improve	VERB
ajsts-5819	39	36	competitiveness	competitiveness	NOUN
ajsts-5819	39	37	.	.	PUNCT
ajsts-5819	40	1	online	online	ADJ
ajsts-5819	40	2	invoicing	invoicing	NOUN
ajsts-5819	40	3	and	and	CCONJ
ajsts-5819	40	4	payment	payment	NOUN
ajsts-5819	40	5	systems	system	NOUN
ajsts-5819	40	6	eliminate	eliminate	VERB
ajsts-5819	40	7	paperwork	paperwork	NOUN
ajsts-5819	40	8	and	and	CCONJ
ajsts-5819	40	9	mistakes	mistake	NOUN
ajsts-5819	40	10	,	,	PUNCT
ajsts-5819	40	11	enabling	enable	VERB
ajsts-5819	40	12	companies	company	NOUN
ajsts-5819	40	13	to	to	PART
ajsts-5819	40	14	spend	spend	VERB
ajsts-5819	40	15	more	more	ADJ
ajsts-5819	40	16	time	time	NOUN
ajsts-5819	40	17	on	on	ADP
ajsts-5819	40	18	the	the	DET
ajsts-5819	40	19	actual	actual	ADJ
ajsts-5819	40	20	logistics	logistic	NOUN
ajsts-5819	40	21	work	work	NOUN
ajsts-5819	40	22	.	.	PUNCT
ajsts-5819	41	1	previous	previous	ADJ
ajsts-5819	41	2	research	research	NOUN
ajsts-5819	41	3	observes	observe	VERB
ajsts-5819	41	4	that	that	SCONJ
ajsts-5819	41	5	implementing	implement	VERB
ajsts-5819	41	6	computerized	computerized	ADJ
ajsts-5819	41	7	accounting	accounting	NOUN
ajsts-5819	41	8	systems	system	NOUN
ajsts-5819	41	9	and	and	CCONJ
ajsts-5819	41	10	cloud	cloud	NOUN
ajsts-5819	41	11	-	-	PUNCT
ajsts-5819	41	12	based	base	VERB
ajsts-5819	41	13	financial	financial	ADJ
ajsts-5819	41	14	tools	tool	NOUN
ajsts-5819	41	15	can	can	AUX
ajsts-5819	41	16	enhance	enhance	VERB
ajsts-5819	41	17	the	the	DET
ajsts-5819	41	18	smes	sme	NOUN
ajsts-5819	41	19	record	record	NOUN
ajsts-5819	41	20	-	-	PUNCT
ajsts-5819	41	21	keeping	keep	VERB
ajsts-5819	41	22	and	and	CCONJ
ajsts-5819	41	23	financial	financial	ADJ
ajsts-5819	41	24	decision	decision	NOUN
ajsts-5819	41	25	-	-	PUNCT
ajsts-5819	41	26	making	making	NOUN
ajsts-5819	41	27	remarkably	remarkably	ADV
ajsts-5819	41	28	(	(	PUNCT
ajsts-5819	41	29	akanbi	akanbi	NOUN
ajsts-5819	41	30	et	et	PROPN
ajsts-5819	41	31	al	al	PROPN
ajsts-5819	41	32	.	.	PROPN
ajsts-5819	41	33	,	,	PUNCT
ajsts-5819	41	34	2022	2022	NUM
ajsts-5819	41	35	;	;	PUNCT
ajsts-5819	41	36	godgift	godgift	NOUN
ajsts-5819	41	37	-	-	PUNCT
ajsts-5819	41	38	david	david	PROPN
ajsts-5819	41	39	et	et	PROPN
ajsts-5819	41	40	al	al	PROPN
ajsts-5819	41	41	.	.	PROPN
ajsts-5819	41	42	,	,	PUNCT
ajsts-5819	41	43	2018	2018	NUM
ajsts-5819	41	44	)	)	PUNCT
ajsts-5819	41	45	.	.	PUNCT
ajsts-5819	42	1	the	the	DET
ajsts-5819	42	2	use	use	NOUN
ajsts-5819	42	3	of	of	ADP
ajsts-5819	42	4	international	international	ADJ
ajsts-5819	42	5	financial	financial	ADJ
ajsts-5819	42	6	reporting	reporting	NOUN
ajsts-5819	42	7	standards	standard	NOUN
ajsts-5819	42	8	(	(	PUNCT
ajsts-5819	42	9	ifrs	ifrs	PROPN
ajsts-5819	42	10	)	)	PUNCT
ajsts-5819	42	11	in	in	ADP
ajsts-5819	42	12	nigeria	nigeria	PROPN
ajsts-5819	42	13	since	since	SCONJ
ajsts-5819	42	14	2012	2012	NUM
ajsts-5819	42	15	and	and	CCONJ
ajsts-5819	42	16	the	the	DET
ajsts-5819	42	17	subsequent	subsequent	ADJ
ajsts-5819	42	18	automation	automation	NOUN
ajsts-5819	42	19	of	of	ADP
ajsts-5819	42	20	accounting	accounting	NOUN
ajsts-5819	42	21	practices	practice	NOUN
ajsts-5819	42	22	have	have	AUX
ajsts-5819	42	23	slowly	slowly	ADV
ajsts-5819	42	24	enhanced	enhance	VERB
ajsts-5819	42	25	the	the	DET
ajsts-5819	42	26	quality	quality	NOUN
ajsts-5819	42	27	and	and	CCONJ
ajsts-5819	42	28	timeliness	timeliness	NOUN
ajsts-5819	42	29	of	of	ADP
ajsts-5819	42	30	financial	financial	ADJ
ajsts-5819	42	31	reporting	reporting	NOUN
ajsts-5819	42	32	in	in	ADP
ajsts-5819	42	33	nigeria	nigeria	PROPN
ajsts-5819	42	34	(	(	PUNCT
ajsts-5819	42	35	madawaki	madawaki	NOUN
ajsts-5819	42	36	,	,	PUNCT
ajsts-5819	42	37	2012	2012	NUM
ajsts-5819	42	38	;	;	PUNCT
ajsts-5819	42	39	ojo	ojo	PROPN
ajsts-5819	42	40	&	&	CCONJ
ajsts-5819	42	41	nwaokike	nwaokike	PROPN
ajsts-5819	42	42	,	,	PUNCT
ajsts-5819	42	43	2018	2018	NUM
ajsts-5819	42	44	)	)	PUNCT
ajsts-5819	42	45	.	.	PUNCT
ajsts-5819	43	1	good	good	ADJ
ajsts-5819	43	2	auditing	auditing	NOUN
ajsts-5819	43	3	and	and	CCONJ
ajsts-5819	43	4	reporting	reporting	NOUN
ajsts-5819	43	5	standards	standard	NOUN
ajsts-5819	43	6	are	be	AUX
ajsts-5819	43	7	associated	associate	VERB
ajsts-5819	43	8	with	with	ADP
ajsts-5819	43	9	increased	increase	VERB
ajsts-5819	43	10	transparency	transparency	NOUN
ajsts-5819	43	11	of	of	ADP
ajsts-5819	43	12	supply	supply	NOUN
ajsts-5819	43	13	chain	chain	NOUN
ajsts-5819	43	14	transactions	transaction	NOUN
ajsts-5819	43	15	and	and	CCONJ
ajsts-5819	43	16	trust	trust	NOUN
ajsts-5819	43	17	between	between	ADP
ajsts-5819	43	18	partners	partner	NOUN
ajsts-5819	43	19	(	(	PUNCT
ajsts-5819	43	20	burdon	burdon	PROPN
ajsts-5819	43	21	&	&	CCONJ
ajsts-5819	43	22	sorour	sorour	PROPN
ajsts-5819	43	23	,	,	PUNCT
ajsts-5819	43	24	2020	2020	NUM
ajsts-5819	43	25	)	)	PUNCT
ajsts-5819	43	26	.	.	PUNCT
ajsts-5819	44	1	supply	supply	NOUN
ajsts-5819	44	2	chain	chain	NOUN
ajsts-5819	44	3	performance	performance	NOUN
ajsts-5819	44	4	(	(	PUNCT
ajsts-5819	44	5	scp	scp	PROPN
ajsts-5819	44	6	)	)	PUNCT
ajsts-5819	44	7	can	can	AUX
ajsts-5819	44	8	be	be	AUX
ajsts-5819	44	9	conceptualized	conceptualize	VERB
ajsts-5819	44	10	as	as	ADP
ajsts-5819	44	11	a	a	DET
ajsts-5819	44	12	combination	combination	NOUN
ajsts-5819	44	13	of	of	ADP
ajsts-5819	44	14	fintech	fintech	NOUN
ajsts-5819	44	15	utilization	utilization	NOUN
ajsts-5819	44	16	(	(	PUNCT
ajsts-5819	44	17	fin	fin	NOUN
ajsts-5819	44	18	)	)	PUNCT
ajsts-5819	44	19	and	and	CCONJ
ajsts-5819	44	20	accounting	accounting	NOUN
ajsts-5819	44	21	efficiency	efficiency	NOUN
ajsts-5819	44	22	(	(	PUNCT
ajsts-5819	44	23	acc	acc	PROPN
ajsts-5819	44	24	)	)	PUNCT
ajsts-5819	44	25	as	as	SCONJ
ajsts-5819	44	26	follows	follow	VERB
ajsts-5819	44	27	:	:	PUNCT
ajsts-5819	44	28	and	and	CCONJ
ajsts-5819	44	29	improved	improve	VERB
ajsts-5819	44	30	resource	resource	NOUN
ajsts-5819	44	31	allocation	allocation	NOUN
ajsts-5819	44	32	within	within	ADP
ajsts-5819	44	33	the	the	DET
ajsts-5819	44	34	supply	supply	NOUN
ajsts-5819	44	35	chain	chain	NOUN
ajsts-5819	44	36	.	.	PUNCT
ajsts-5819	45	1	the	the	DET
ajsts-5819	45	2	association	association	NOUN
ajsts-5819	45	3	of	of	ADP
ajsts-5819	45	4	the	the	DET
ajsts-5819	45	5	fintech	fintech	NOUN
ajsts-5819	45	6	and	and	CCONJ
ajsts-5819	45	7	supply	supply	NOUN
ajsts-5819	45	8	chain	chain	NOUN
ajsts-5819	45	9	performance	performance	NOUN
ajsts-5819	45	10	is	be	AUX
ajsts-5819	45	11	being	be	AUX
ajsts-5819	45	12	reported	report	VERB
ajsts-5819	45	13	progressively	progressively	ADV
ajsts-5819	45	14	.	.	PUNCT
ajsts-5819	46	1	innovations	innovation	NOUN
ajsts-5819	46	2	in	in	ADP
ajsts-5819	46	3	fintech	fintech	NOUN
ajsts-5819	46	4	,	,	PUNCT
ajsts-5819	46	5	especially	especially	ADV
ajsts-5819	46	6	supply	supply	VERB
ajsts-5819	46	7	chain	chain	NOUN
ajsts-5819	46	8	finance	finance	NOUN
ajsts-5819	46	9	(	(	PUNCT
ajsts-5819	46	10	scf	scf	PROPN
ajsts-5819	46	11	)	)	PUNCT
ajsts-5819	46	12	can	can	AUX
ajsts-5819	46	13	assist	assist	VERB
ajsts-5819	46	14	companies	company	NOUN
ajsts-5819	46	15	in	in	ADP
ajsts-5819	46	16	optimizing	optimize	VERB
ajsts-5819	46	17	their	their	PRON
ajsts-5819	46	18	working	work	VERB
ajsts-5819	46	19	capital	capital	NOUN
ajsts-5819	46	20	and	and	CCONJ
ajsts-5819	46	21	enable	enable	VERB
ajsts-5819	46	22	a	a	DET
ajsts-5819	46	23	smoother	smooth	ADJ
ajsts-5819	46	24	functioning	functioning	NOUN
ajsts-5819	46	25	of	of	ADP
ajsts-5819	46	26	the	the	DET
ajsts-5819	46	27	firms	firm	NOUN
ajsts-5819	46	28	(	(	PUNCT
ajsts-5819	46	29	wetzel	wetzel	PROPN
ajsts-5819	46	30	&	&	CCONJ
ajsts-5819	46	31	hofmann	hofmann	PROPN
ajsts-5819	46	32	,	,	PUNCT
ajsts-5819	46	33	2019	2019	NUM
ajsts-5819	46	34	;	;	PUNCT
ajsts-5819	46	35	lam	lam	PROPN
ajsts-5819	46	36	et	et	PROPN
ajsts-5819	46	37	al	al	PROPN
ajsts-5819	46	38	.	.	PROPN
ajsts-5819	46	39	,	,	PUNCT
ajsts-5819	46	40	2019	2019	NUM
ajsts-5819	46	41	)	)	PUNCT
ajsts-5819	46	42	.	.	PUNCT
ajsts-5819	47	1	gelsomino	gelsomino	PROPN
ajsts-5819	47	2	et	et	PROPN
ajsts-5819	47	3	al	al	PROPN
ajsts-5819	47	4	.	.	PUNCT
ajsts-5819	48	1	(	(	PUNCT
ajsts-5819	48	2	2016	2016	NUM
ajsts-5819	48	3	)	)	PUNCT
ajsts-5819	48	4	reveal	reveal	VERB
ajsts-5819	48	5	that	that	SCONJ
ajsts-5819	48	6	scf	scf	PROPN
ajsts-5819	48	7	programs	program	NOUN
ajsts-5819	48	8	(	(	PUNCT
ajsts-5819	48	9	such	such	ADJ
ajsts-5819	48	10	as	as	ADP
ajsts-5819	48	11	invoice	invoice	NOUN
ajsts-5819	48	12	factoring	factoring	NOUN
ajsts-5819	48	13	platforms	platform	NOUN
ajsts-5819	48	14	)	)	PUNCT
ajsts-5819	48	15	allow	allow	VERB
ajsts-5819	48	16	suppliers	supplier	NOUN
ajsts-5819	48	17	to	to	PART
ajsts-5819	48	18	receive	receive	VERB
ajsts-5819	48	19	payment	payment	NOUN
ajsts-5819	48	20	upfront	upfront	ADJ
ajsts-5819	48	21	bolstering	bolster	VERB
ajsts-5819	48	22	liquidity	liquidity	NOUN
ajsts-5819	48	23	throughout	throughout	ADP
ajsts-5819	48	24	the	the	DET
ajsts-5819	48	25	chain	chain	NOUN
ajsts-5819	48	26	.	.	PUNCT
ajsts-5819	49	1	in	in	ADP
ajsts-5819	49	2	nigeria	nigeria	PROPN
ajsts-5819	49	3	,	,	PUNCT
ajsts-5819	49	4	new	new	ADJ
ajsts-5819	49	5	financing	financing	NOUN
ajsts-5819	49	6	platforms	platform	NOUN
ajsts-5819	49	7	have	have	AUX
ajsts-5819	49	8	enabled	enable	VERB
ajsts-5819	49	9	logistics	logistic	NOUN
ajsts-5819	49	10	smes	sme	NOUN
ajsts-5819	49	11	because	because	SCONJ
ajsts-5819	49	12	the	the	DET
ajsts-5819	49	13	central	central	ADJ
ajsts-5819	49	14	bank	bank	NOUN
ajsts-5819	49	15	is	be	AUX
ajsts-5819	49	16	already	already	ADV
ajsts-5819	49	17	promoting	promote	VERB
ajsts-5819	49	18	scf	scf	NOUN
ajsts-5819	49	19	and	and	CCONJ
ajsts-5819	49	20	fintech	fintech	NOUN
ajsts-5819	49	21	cooperation	cooperation	NOUN
ajsts-5819	49	22	(	(	PUNCT
ajsts-5819	49	23	gelsomino	gelsomino	PROPN
ajsts-5819	49	24	et	et	PROPN
ajsts-5819	49	25	al	al	PROPN
ajsts-5819	49	26	.	.	PROPN
ajsts-5819	49	27	,	,	PUNCT
ajsts-5819	49	28	2016	2016	NUM
ajsts-5819	49	29	;	;	PUNCT
ajsts-5819	49	30	babatunde	babatunde	NOUN
ajsts-5819	49	31	,	,	PUNCT
ajsts-5819	49	32	2024	2024	NUM
ajsts-5819	49	33	)	)	PUNCT
ajsts-5819	49	34	.	.	PUNCT
ajsts-5819	50	1	fintech	fintech	NOUN
ajsts-5819	50	2	-	-	PUNCT
ajsts-5819	50	3	enabled	enable	VERB
ajsts-5819	50	4	scf	scf	PROPN
ajsts-5819	50	5	has	have	VERB
ajsts-5819	50	6	a	a	DET
ajsts-5819	50	7	beneficial	beneficial	ADJ
ajsts-5819	50	8	outcome	outcome	NOUN
ajsts-5819	50	9	on	on	ADP
ajsts-5819	50	10	the	the	DET
ajsts-5819	50	11	profitability	profitability	NOUN
ajsts-5819	50	12	and	and	CCONJ
ajsts-5819	50	13	service	service	NOUN
ajsts-5819	50	14	delivery	delivery	NOUN
ajsts-5819	50	15	of	of	ADP
ajsts-5819	50	16	firms	firm	NOUN
ajsts-5819	50	17	(	(	PUNCT
ajsts-5819	50	18	karakus	karakus	PROPN
ajsts-5819	50	19	&	&	CCONJ
ajsts-5819	50	20	zor	zor	PROPN
ajsts-5819	50	21	,	,	PUNCT
ajsts-5819	50	22	2017	2017	NUM
ajsts-5819	50	23	;	;	PUNCT
ajsts-5819	50	24	otonne	otonne	PROPN
ajsts-5819	50	25	et	et	PROPN
ajsts-5819	50	26	al	al	PROPN
ajsts-5819	50	27	.	.	PROPN
ajsts-5819	50	28	,	,	PUNCT
ajsts-5819	50	29	2023	2023	NUM
ajsts-5819	50	30	)	)	PUNCT
ajsts-5819	50	31	.	.	PUNCT
ajsts-5819	51	1	in	in	ADP
ajsts-5819	51	2	addition	addition	NOUN
ajsts-5819	51	3	to	to	ADP
ajsts-5819	51	4	financing	financing	NOUN
ajsts-5819	51	5	,	,	PUNCT
ajsts-5819	51	6	fintech	fintech	NOUN
ajsts-5819	51	7	enhances	enhance	VERB
ajsts-5819	51	8	the	the	DET
ajsts-5819	51	9	level	level	NOUN
ajsts-5819	51	10	of	of	ADP
ajsts-5819	51	11	supply	supply	NOUN
ajsts-5819	51	12	chain	chain	NOUN
ajsts-5819	51	13	visibility	visibility	NOUN
ajsts-5819	51	14	and	and	CCONJ
ajsts-5819	51	15	velocity	velocity	NOUN
ajsts-5819	51	16	.	.	PUNCT
ajsts-5819	52	1	an	an	DET
ajsts-5819	52	2	example	example	NOUN
ajsts-5819	52	3	is	be	AUX
ajsts-5819	52	4	found	find	VERB
ajsts-5819	52	5	in	in	ADP
ajsts-5819	52	6	solutions	solution	NOUN
ajsts-5819	52	7	such	such	ADJ
ajsts-5819	52	8	as	as	ADP
ajsts-5819	52	9	blockchain	blockchain	NOUN
ajsts-5819	52	10	,	,	PUNCT
ajsts-5819	52	11	an	an	DET
ajsts-5819	52	12	innovation	innovation	NOUN
ajsts-5819	52	13	of	of	ADP
ajsts-5819	52	14	fintech	fintech	NOUN
ajsts-5819	52	15	,	,	PUNCT
ajsts-5819	52	16	which	which	PRON
ajsts-5819	52	17	enhances	enhance	VERB
ajsts-5819	52	18	the	the	DET
ajsts-5819	52	19	transparency	transparency	NOUN
ajsts-5819	52	20	and	and	CCONJ
ajsts-5819	52	21	traceability	traceability	NOUN
ajsts-5819	52	22	of	of	ADP
ajsts-5819	52	23	logistics	logistic	NOUN
ajsts-5819	52	24	(	(	PUNCT
ajsts-5819	52	25	akinbamini	akinbamini	NOUN
ajsts-5819	52	26	et	et	PROPN
ajsts-5819	52	27	al	al	PROPN
ajsts-5819	52	28	.	.	PROPN
ajsts-5819	52	29	,	,	PUNCT
ajsts-5819	52	30	2023	2023	NUM
ajsts-5819	52	31	)	)	PUNCT
ajsts-5819	52	32	,	,	PUNCT
ajsts-5819	52	33	and	and	CCONJ
ajsts-5819	52	34	real	real	ADJ
ajsts-5819	52	35	-	-	PUNCT
ajsts-5819	52	36	time	time	NOUN
ajsts-5819	52	37	mobile	mobile	ADJ
ajsts-5819	52	38	payments	payment	NOUN
ajsts-5819	52	39	that	that	PRON
ajsts-5819	52	40	decrease	decrease	VERB
ajsts-5819	52	41	the	the	DET
ajsts-5819	52	42	delays	delay	NOUN
ajsts-5819	52	43	in	in	ADP
ajsts-5819	52	44	procurement	procurement	NOUN
ajsts-5819	52	45	and	and	CCONJ
ajsts-5819	52	46	mishandling	mishandle	VERB
ajsts-5819	52	47	of	of	ADP
ajsts-5819	52	48	freight	freight	NOUN
ajsts-5819	52	49	(	(	PUNCT
ajsts-5819	52	50	onaseso	onaseso	NOUN
ajsts-5819	52	51	,	,	PUNCT
ajsts-5819	52	52	2021	2021	NUM
ajsts-5819	52	53	)	)	PUNCT
ajsts-5819	52	54	.	.	PUNCT
ajsts-5819	53	1	empirical	empirical	ADJ
ajsts-5819	53	2	research	research	NOUN
ajsts-5819	53	3	supports	support	VERB
ajsts-5819	53	4	the	the	DET
ajsts-5819	53	5	claim	claim	NOUN
ajsts-5819	53	6	that	that	SCONJ
ajsts-5819	53	7	more	more	ADV
ajsts-5819	53	8	digitally	digitally	ADV
ajsts-5819	53	9	integrated	integrate	VERB
ajsts-5819	53	10	supply	supply	NOUN
ajsts-5819	53	11	chains	chain	NOUN
ajsts-5819	53	12	,	,	PUNCT
ajsts-5819	53	13	involving	involve	VERB
ajsts-5819	53	14	financial	financial	ADJ
ajsts-5819	53	15	flows	flow	NOUN
ajsts-5819	53	16	,	,	PUNCT
ajsts-5819	53	17	are	be	AUX
ajsts-5819	53	18	expected	expect	VERB
ajsts-5819	53	19	to	to	PART
ajsts-5819	53	20	reliably	reliably	ADV
ajsts-5819	53	21	achieve	achieve	VERB
ajsts-5819	53	22	lower	low	ADJ
ajsts-5819	53	23	costs	cost	NOUN
ajsts-5819	53	24	than	than	ADP
ajsts-5819	53	25	other	other	ADJ
ajsts-5819	53	26	supply	supply	NOUN
ajsts-5819	53	27	chains	chain	NOUN
ajsts-5819	53	28	(	(	PUNCT
ajsts-5819	53	29	frohlich	frohlich	NOUN
ajsts-5819	53	30	&	&	CCONJ
ajsts-5819	53	31	westbrook	westbrook	PROPN
ajsts-5819	53	32	,	,	PUNCT
ajsts-5819	53	33	2001	2001	NUM
ajsts-5819	53	34	;	;	PUNCT
ajsts-5819	53	35	traill	traill	NOUN
ajsts-5819	53	36	et	et	PROPN
ajsts-5819	53	37	al	al	PROPN
ajsts-5819	53	38	.	.	PROPN
ajsts-5819	53	39	,	,	PUNCT
ajsts-5819	53	40	2023	2023	NUM
ajsts-5819	53	41	)	)	PUNCT
ajsts-5819	53	42	.	.	PUNCT
ajsts-5819	54	1	these	these	DET
ajsts-5819	54	2	merits	merit	NOUN
ajsts-5819	54	3	are	be	AUX
ajsts-5819	54	4	supplemented	supplement	VERB
ajsts-5819	54	5	by	by	ADP
ajsts-5819	54	6	accounting	accounting	NOUN
ajsts-5819	54	7	efficiency	efficiency	NOUN
ajsts-5819	54	8	as	as	SCONJ
ajsts-5819	54	9	proper	proper	ADJ
ajsts-5819	54	10	financial	financial	ADJ
ajsts-5819	54	11	coordination	coordination	NOUN
ajsts-5819	54	12	is	be	AUX
ajsts-5819	54	13	guaranteed	guarantee	VERB
ajsts-5819	54	14	.	.	PUNCT
ajsts-5819	55	1	internal	internal	ADJ
ajsts-5819	55	2	poor	poor	ADJ
ajsts-5819	55	3	accounting	accounting	NOUN
ajsts-5819	55	4	may	may	AUX
ajsts-5819	55	5	cause	cause	VERB
ajsts-5819	55	6	disagreement	disagreement	NOUN
ajsts-5819	55	7	on	on	ADP
ajsts-5819	55	8	payment	payment	NOUN
ajsts-5819	55	9	terms	term	NOUN
ajsts-5819	55	10	,	,	PUNCT
ajsts-5819	55	11	delivery	delivery	NOUN
ajsts-5819	55	12	delays	delay	NOUN
ajsts-5819	55	13	,	,	PUNCT
ajsts-5819	55	14	and	and	CCONJ
ajsts-5819	55	15	the	the	DET
ajsts-5819	55	16	loss	loss	NOUN
ajsts-5819	55	17	of	of	ADP
ajsts-5819	55	18	confidence	confidence	NOUN
ajsts-5819	55	19	in	in	ADP
ajsts-5819	55	20	supply	supply	NOUN
ajsts-5819	55	21	chains	chain	NOUN
ajsts-5819	55	22	(	(	PUNCT
ajsts-5819	55	23	klynveld	klynveld	NOUN
ajsts-5819	55	24	et	et	PROPN
ajsts-5819	55	25	al	al	PROPN
ajsts-5819	55	26	.	.	PROPN
ajsts-5819	55	27	,	,	PUNCT
ajsts-5819	55	28	2019	2019	NUM
ajsts-5819	55	29	)	)	PUNCT
ajsts-5819	55	30	.	.	PUNCT
ajsts-5819	56	1	on	on	ADP
ajsts-5819	56	2	the	the	DET
ajsts-5819	56	3	other	other	ADJ
ajsts-5819	56	4	hand	hand	NOUN
ajsts-5819	56	5	,	,	PUNCT
ajsts-5819	56	6	optimal	optimal	ADJ
ajsts-5819	56	7	accounting	accounting	NOUN
ajsts-5819	56	8	activities	activity	NOUN
ajsts-5819	56	9	(	(	PUNCT
ajsts-5819	56	10	e.g.	e.g.	ADV
ajsts-5819	56	11	timely	timely	ADJ
ajsts-5819	56	12	invoice	invoice	NOUN
ajsts-5819	56	13	reconciliation	reconciliation	NOUN
ajsts-5819	56	14	,	,	PUNCT
ajsts-5819	56	15	financial	financial	ADJ
ajsts-5819	56	16	disclosures	disclosure	NOUN
ajsts-5819	56	17	)	)	PUNCT
ajsts-5819	56	18	result	result	VERB
ajsts-5819	56	19	in	in	ADP
ajsts-5819	56	20	better	well	ADJ
ajsts-5819	56	21	supplier	supplier	NOUN
ajsts-5819	56	22	relationships	relationship	NOUN
ajsts-5819	56	23	and	and	CCONJ
ajsts-5819	56	24	performance	performance	NOUN
ajsts-5819	56	25	results	result	NOUN
ajsts-5819	56	26	(	(	PUNCT
ajsts-5819	56	27	gunasekaran	gunasekaran	NOUN
ajsts-5819	56	28	et	et	NOUN
ajsts-5819	56	29	al	al	PROPN
ajsts-5819	56	30	.	.	PROPN
ajsts-5819	56	31	,	,	PUNCT
ajsts-5819	56	32	2017	2017	NUM
ajsts-5819	56	33	;	;	PUNCT
ajsts-5819	56	34	eze	eze	PROPN
ajsts-5819	56	35	et	et	PROPN
ajsts-5819	56	36	al	al	PROPN
ajsts-5819	56	37	.	.	PROPN
ajsts-5819	56	38	,	,	PUNCT
ajsts-5819	56	39	2024	2024	NUM
ajsts-5819	56	40	)	)	PUNCT
ajsts-5819	56	41	.	.	PUNCT
ajsts-5819	57	1	consequently	consequently	ADV
ajsts-5819	57	2	,	,	PUNCT
ajsts-5819	57	3	the	the	DET
ajsts-5819	57	4	idea	idea	NOUN
ajsts-5819	57	5	of	of	ADP
ajsts-5819	57	6	a	a	DET
ajsts-5819	57	7	synergy	synergy	NOUN
ajsts-5819	57	8	appears	appear	VERB
ajsts-5819	57	9	in	in	ADP
ajsts-5819	57	10	the	the	DET
ajsts-5819	57	11	literature	literature	NOUN
ajsts-5819	57	12	:	:	PUNCT
ajsts-5819	57	13	utilizing	utilize	VERB
ajsts-5819	57	14	fintech	fintech	NOUN
ajsts-5819	57	15	,	,	PUNCT
ajsts-5819	57	16	the	the	DET
ajsts-5819	57	17	tasks	task	NOUN
ajsts-5819	57	18	of	of	ADP
ajsts-5819	57	19	accounting	accounting	NOUN
ajsts-5819	57	20	get	get	NOUN
ajsts-5819	57	21	fielded	field	VERB
ajsts-5819	57	22	,	,	PUNCT
ajsts-5819	57	23	and	and	CCONJ
ajsts-5819	57	24	,	,	PUNCT
ajsts-5819	57	25	the	the	DET
ajsts-5819	57	26	two	two	NUM
ajsts-5819	57	27	are	be	AUX
ajsts-5819	57	28	mutually	mutually	ADV
ajsts-5819	57	29	anti	anti	ADJ
ajsts-5819	57	30	-	-	ADJ
ajsts-5819	57	31	strengthening	strengthening	ADJ
ajsts-5819	57	32	,	,	PUNCT
ajsts-5819	57	33	accounting	accounting	NOUN
ajsts-5819	57	34	,	,	PUNCT
ajsts-5819	57	35	and	and	CCONJ
ajsts-5819	57	36	fintech	fintech	NOUN
ajsts-5819	57	37	,	,	PUNCT
ajsts-5819	57	38	in	in	ADP
ajsts-5819	57	39	turn	turn	NOUN
ajsts-5819	57	40	,	,	PUNCT
ajsts-5819	57	41	supplementing	supplement	VERB
ajsts-5819	57	42	their	their	PRON
ajsts-5819	57	43	efforts	effort	NOUN
ajsts-5819	57	44	and	and	CCONJ
ajsts-5819	57	45	services	service	NOUN
ajsts-5819	57	46	,	,	PUNCT
ajsts-5819	57	47	to	to	PART
ajsts-5819	57	48	enhance	enhance	VERB
ajsts-5819	57	49	a	a	DET
ajsts-5819	57	50	supply	supply	NOUN
ajsts-5819	57	51	chain	chain	NOUN
ajsts-5819	57	52	within	within	ADP
ajsts-5819	57	53	a	a	DET
ajsts-5819	57	54	field	field	NOUN
ajsts-5819	57	55	such	such	ADJ
ajsts-5819	57	56	as	as	ADP
ajsts-5819	57	57	logistics	logistic	NOUN
ajsts-5819	57	58	(	(	PUNCT
ajsts-5819	57	59	ezze	ezze	PROPN
ajsts-5819	57	60	et	et	PROPN
ajsts-5819	57	61	al	al	PROPN
ajsts-5819	57	62	.	.	PROPN
ajsts-5819	57	63	,	,	PUNCT
ajsts-5819	57	64	2024	2024	NUM
ajsts-5819	57	65	;	;	PUNCT
ajsts-5819	57	66	harsono	harsono	PROPN
ajsts-5819	57	67	&	&	CCONJ
ajsts-5819	57	68	suprapti	suprapti	PROPN
ajsts-5819	57	69	,	,	PUNCT
ajsts-5819	57	70	2024	2024	NUM
ajsts-5819	57	71	;	;	PUNCT
ajsts-5819	57	72	adeosun	adeosun	PROPN
ajsts-5819	57	73	&	&	CCONJ
ajsts-5819	57	74	shittu	shittu	ADJ
ajsts-5819	57	75	,	,	PUNCT
ajsts-5819	57	76	2021	2021	NUM
ajsts-5819	57	77	)	)	PUNCT
ajsts-5819	57	78	.	.	PUNCT
ajsts-5819	58	1	nonetheless	nonetheless	ADV
ajsts-5819	58	2	,	,	PUNCT
ajsts-5819	58	3	little	little	ADJ
ajsts-5819	58	4	compilations	compilation	NOUN
ajsts-5819	58	5	of	of	ADP
ajsts-5819	58	6	empirical	empirical	ADJ
ajsts-5819	58	7	data	datum	NOUN
ajsts-5819	58	8	regarding	regard	VERB
ajsts-5819	58	9	the	the	DET
ajsts-5819	58	10	logistics	logistic	NOUN
ajsts-5819	58	11	industry	industry	NOUN
ajsts-5819	58	12	in	in	ADP
ajsts-5819	58	13	nigeria	nigeria	PROPN
ajsts-5819	58	14	are	be	AUX
ajsts-5819	58	15	available	available	ADJ
ajsts-5819	58	16	.	.	PUNCT
ajsts-5819	59	1	this	this	DET
ajsts-5819	59	2	research	research	NOUN
ajsts-5819	59	3	addresses	address	VERB
ajsts-5819	59	4	it	it	PRON
ajsts-5819	59	5	,	,	PUNCT
ajsts-5819	59	6	quantitatively	quantitatively	ADV
ajsts-5819	59	7	assessing	assess	VERB
ajsts-5819	59	8	these	these	DET
ajsts-5819	59	9	relations	relation	NOUN
ajsts-5819	59	10	with	with	ADP
ajsts-5819	59	11	newer	new	ADJ
ajsts-5819	59	12	data	datum	NOUN
ajsts-5819	59	13	on	on	ADP
ajsts-5819	59	14	nigeria	nigeria	PROPN
ajsts-5819	59	15	,	,	PUNCT
ajsts-5819	59	16	building	build	VERB
ajsts-5819	59	17	upon	upon	SCONJ
ajsts-5819	59	18	earlier	early	ADJ
ajsts-5819	59	19	qualitative	qualitative	ADJ
ajsts-5819	59	20	evidence	evidence	NOUN
ajsts-5819	59	21	.	.	PUNCT
ajsts-5819	60	1	materials	material	NOUN
ajsts-5819	60	2	and	and	CCONJ
ajsts-5819	60	3	methods	method	NOUN
ajsts-5819	60	4	the	the	DET
ajsts-5819	60	5	research	research	NOUN
ajsts-5819	60	6	design	design	NOUN
ajsts-5819	60	7	employed	employ	VERB
ajsts-5819	60	8	in	in	ADP
ajsts-5819	60	9	this	this	DET
ajsts-5819	60	10	study	study	NOUN
ajsts-5819	60	11	is	be	AUX
ajsts-5819	60	12	a	a	DET
ajsts-5819	60	13	quantitative	quantitative	ADJ
ajsts-5819	60	14	ex	ex	X
ajsts-5819	60	15	post	post	NOUN
ajsts-5819	60	16	factor	factor	NOUN
ajsts-5819	60	17	research	research	NOUN
ajsts-5819	60	18	design	design	NOUN
ajsts-5819	60	19	using	use	VERB
ajsts-5819	60	20	annual	annual	ADJ
ajsts-5819	60	21	secondary	secondary	ADJ
ajsts-5819	60	22	data	datum	NOUN
ajsts-5819	60	23	of	of	ADP
ajsts-5819	60	24	nigeria	nigeria	PROPN
ajsts-5819	60	25	(	(	PUNCT
ajsts-5819	60	26	2000	2000	NUM
ajsts-5819	60	27	-	-	SYM
ajsts-5819	60	28	2024	2024	NUM
ajsts-5819	60	29	)	)	PUNCT
ajsts-5819	60	30	.	.	PUNCT
ajsts-5819	61	1	a	a	DET
ajsts-5819	61	2	composite	composite	ADJ
ajsts-5819	61	3	index	index	NOUN
ajsts-5819	61	4	of	of	ADP
ajsts-5819	61	5	logistics	logistic	NOUN
ajsts-5819	61	6	efficiency	efficiency	NOUN
ajsts-5819	61	7	,	,	PUNCT
ajsts-5819	61	8	which	which	PRON
ajsts-5819	61	9	includes	include	VERB
ajsts-5819	61	10	measures	measure	NOUN
ajsts-5819	61	11	of	of	ADP
ajsts-5819	61	12	transport	transport	NOUN
ajsts-5819	61	13	output	output	NOUN
ajsts-5819	61	14	,	,	PUNCT
ajsts-5819	61	15	delivery	delivery	NOUN
ajsts-5819	61	16	times	time	NOUN
ajsts-5819	61	17	,	,	PUNCT
ajsts-5819	61	18	and	and	CCONJ
ajsts-5819	61	19	the	the	DET
ajsts-5819	61	20	world	world	PROPN
ajsts-5819	61	21	bank	bank	PROPN
ajsts-5819	61	22	’s	’s	PART
ajsts-5819	61	23	logistics	logistic	NOUN
ajsts-5819	61	24	performance	performance	NOUN
ajsts-5819	61	25	index	index	NOUN
ajsts-5819	61	26	(	(	PUNCT
ajsts-5819	61	27	lpi	lpi	NOUN
ajsts-5819	61	28	)	)	PUNCT
ajsts-5819	61	29	,	,	PUNCT
ajsts-5819	61	30	is	be	AUX
ajsts-5819	61	31	used	use	VERB
ajsts-5819	61	32	as	as	ADP
ajsts-5819	61	33	a	a	DET
ajsts-5819	61	34	proxy	proxy	NOUN
ajsts-5819	61	35	of	of	ADP
ajsts-5819	61	36	supply	supply	NOUN
ajsts-5819	61	37	chain	chain	NOUN
ajsts-5819	61	38	performance	performance	NOUN
ajsts-5819	61	39	(	(	PUNCT
ajsts-5819	61	40	scp	scp	PROPN
ajsts-5819	61	41	)	)	PUNCT
ajsts-5819	61	42	.	.	PUNCT
ajsts-5819	62	1	fintech	fintech	NOUN
ajsts-5819	62	2	adoption	adoption	NOUN
ajsts-5819	62	3	(	(	PUNCT
ajsts-5819	62	4	fin	fin	NOUN
ajsts-5819	62	5	)	)	PUNCT
ajsts-5819	62	6	is	be	AUX
ajsts-5819	62	7	quantified	quantify	VERB
ajsts-5819	62	8	by	by	ADP
ajsts-5819	62	9	the	the	DET
ajsts-5819	62	10	real	real	ADJ
ajsts-5819	62	11	value	value	NOUN
ajsts-5819	62	12	of	of	ADP
ajsts-5819	62	13	electronic	electronic	ADJ
ajsts-5819	62	14	payment	payment	NOUN
ajsts-5819	62	15	transactions	transaction	NOUN
ajsts-5819	62	16	in	in	ADP
ajsts-5819	62	17	naira	naira	PROPN
ajsts-5819	62	18	,	,	PUNCT
ajsts-5819	62	19	which	which	PRON
ajsts-5819	62	20	is	be	AUX
ajsts-5819	62	21	sourced	source	VERB
ajsts-5819	62	22	by	by	ADP
ajsts-5819	62	23	the	the	DET
ajsts-5819	62	24	central	central	ADJ
ajsts-5819	62	25	bank	bank	PROPN
ajsts-5819	62	26	of	of	ADP
ajsts-5819	62	27	nigeria	nigeria	PROPN
ajsts-5819	62	28	,	,	PUNCT
ajsts-5819	62	29	and	and	CCONJ
ajsts-5819	62	30	reflects	reflect	VERB
ajsts-5819	62	31	the	the	DET
ajsts-5819	62	32	increase	increase	NOUN
ajsts-5819	62	33	in	in	ADP
ajsts-5819	62	34	digital	digital	ADJ
ajsts-5819	62	35	in	in	ADP
ajsts-5819	62	36	line	line	NOUN
ajsts-5819	62	37	with	with	ADP
ajsts-5819	62	38	other	other	ADJ
ajsts-5819	62	39	frameworks	framework	NOUN
ajsts-5819	62	40	that	that	PRON
ajsts-5819	62	41	propose	propose	VERB
ajsts-5819	62	42	digital	digital	ADJ
ajsts-5819	62	43	finance	finance	NOUN
ajsts-5819	62	44	and	and	CCONJ
ajsts-5819	62	45	strong	strong	ADJ
ajsts-5819	62	46	internal	internal	ADJ
ajsts-5819	62	47	controls	control	NOUN
ajsts-5819	62	48	have	have	VERB
ajsts-5819	62	49	a	a	DET
ajsts-5819	62	50	combined	combined	ADJ
ajsts-5819	62	51	effect	effect	NOUN
ajsts-5819	62	52	on	on	ADP
ajsts-5819	62	53	performance	performance	NOUN
ajsts-5819	62	54	(	(	PUNCT
ajsts-5819	62	55	manzoor	manzoor	PROPN
ajsts-5819	62	56	et	et	PROPN
ajsts-5819	62	57	al	al	PROPN
ajsts-5819	62	58	.	.	PROPN
ajsts-5819	62	59	,	,	PUNCT
ajsts-5819	62	60	2021	2021	NUM
ajsts-5819	62	61	;	;	PUNCT
ajsts-5819	63	1	guan	guan	PROPN
ajsts-5819	63	2	et	et	PROPN
ajsts-5819	63	3	al	al	PROPN
ajsts-5819	63	4	.	.	PROPN
ajsts-5819	63	5	,	,	PUNCT
ajsts-5819	63	6	2023	2023	NUM
ajsts-5819	63	7	)	)	PUNCT
ajsts-5819	63	8	.	.	PUNCT
ajsts-5819	64	1	fintech	fintech	NOUN
ajsts-5819	64	2	makes	make	VERB
ajsts-5819	64	3	payments	payment	NOUN
ajsts-5819	64	4	faster	fast	ADV
ajsts-5819	64	5	and	and	CCONJ
ajsts-5819	64	6	offers	offer	VERB
ajsts-5819	64	7	new	new	ADJ
ajsts-5819	64	8	means	mean	NOUN
ajsts-5819	64	9	of	of	ADP
ajsts-5819	64	10	financing	financing	NOUN
ajsts-5819	64	11	,	,	PUNCT
ajsts-5819	64	12	and	and	CCONJ
ajsts-5819	64	13	efficient	efficient	ADJ
ajsts-5819	64	14	accounting	accounting	NOUN
ajsts-5819	64	15	makes	make	VERB
ajsts-5819	64	16	sure	sure	ADJ
ajsts-5819	64	17	that	that	SCONJ
ajsts-5819	64	18	these	these	DET
ajsts-5819	64	19	advantages	advantage	NOUN
ajsts-5819	64	20	are	be	AUX
ajsts-5819	64	21	reflected	reflect	VERB
ajsts-5819	64	22	in	in	ADP
ajsts-5819	64	23	the	the	DET
ajsts-5819	64	24	reduction	reduction	NOUN
ajsts-5819	64	25	of	of	ADP
ajsts-5819	64	26	transaction	transaction	NOUN
ajsts-5819	64	27	costs	cost	NOUN
ajsts-5819	64	28	pa	pa	PROPN
ajsts-5819	64	29	ge	ge	PROPN
ajsts-5819	64	30	65	65	NUM
ajsts-5819	64	31	https://journals.e-palli.com/home/index.php/ajsts	https://journals.e-palli.com/home/index.php/ajst	NOUN
ajsts-5819	64	32	am	be	AUX
ajsts-5819	64	33	.	.	PUNCT
ajsts-5819	65	1	j.	j.	PROPN
ajsts-5819	65	2	smart	smart	PROPN
ajsts-5819	65	3	.	.	PUNCT
ajsts-5819	66	1	technol	technol	PROPN
ajsts-5819	66	2	.	.	PUNCT
ajsts-5819	66	3	solutions	solution	NOUN
ajsts-5819	66	4	4(2	4(2	NUM
ajsts-5819	66	5	)	)	PUNCT
ajsts-5819	66	6	63	63	NUM
ajsts-5819	66	7	-	-	SYM
ajsts-5819	66	8	69	69	NUM
ajsts-5819	66	9	,	,	PUNCT
ajsts-5819	66	10	2025	2025	NUM
ajsts-5819	66	11	financial	financial	ADJ
ajsts-5819	66	12	activity	activity	NOUN
ajsts-5819	66	13	.	.	PUNCT
ajsts-5819	67	1	an	an	DET
ajsts-5819	67	2	index	index	NOUN
ajsts-5819	67	3	composed	compose	VERB
ajsts-5819	67	4	of	of	ADP
ajsts-5819	67	5	nigeria	nigeria	PROPN
ajsts-5819	67	6	strength	strength	NOUN
ajsts-5819	67	7	of	of	ADP
ajsts-5819	67	8	auditing	auditing	NOUN
ajsts-5819	67	9	and	and	CCONJ
ajsts-5819	67	10	reporting	reporting	NOUN
ajsts-5819	67	11	standards	standard	NOUN
ajsts-5819	67	12	(	(	PUNCT
ajsts-5819	67	13	wef	wef	PROPN
ajsts-5819	67	14	)	)	PUNCT
ajsts-5819	67	15	and	and	CCONJ
ajsts-5819	67	16	average	average	ADJ
ajsts-5819	67	17	days	day	NOUN
ajsts-5819	67	18	to	to	PART
ajsts-5819	67	19	prepare	prepare	VERB
ajsts-5819	67	20	financial	financial	ADJ
ajsts-5819	67	21	statements	statement	NOUN
ajsts-5819	67	22	(	(	PUNCT
ajsts-5819	67	23	world	world	PROPN
ajsts-5819	67	24	bank	bank	PROPN
ajsts-5819	67	25	)	)	PUNCT
ajsts-5819	67	26	represents	represent	VERB
ajsts-5819	67	27	accounting	accounting	NOUN
ajsts-5819	67	28	efficiency	efficiency	NOUN
ajsts-5819	67	29	(	(	PUNCT
ajsts-5819	67	30	acc	acc	PROPN
ajsts-5819	67	31	)	)	PUNCT
ajsts-5819	67	32	.	.	PUNCT
ajsts-5819	68	1	all	all	DET
ajsts-5819	68	2	indicators	indicator	NOUN
ajsts-5819	68	3	were	be	AUX
ajsts-5819	68	4	standardized	standardize	VERB
ajsts-5819	68	5	to	to	ADP
ajsts-5819	68	6	a	a	DET
ajsts-5819	68	7	scale	scale	NOUN
ajsts-5819	68	8	of	of	ADP
ajsts-5819	68	9	0	0	NUM
ajsts-5819	68	10	-	-	SYM
ajsts-5819	68	11	100	100	NUM
ajsts-5819	68	12	.	.	PUNCT
ajsts-5819	69	1	an	an	DET
ajsts-5819	69	2	autoregressive	autoregressive	ADJ
ajsts-5819	69	3	distributed	distribute	VERB
ajsts-5819	69	4	lag	lag	NOUN
ajsts-5819	69	5	(	(	PUNCT
ajsts-5819	69	6	ardl	ardl	NOUN
ajsts-5819	69	7	)	)	PUNCT
ajsts-5819	69	8	model	model	NOUN
ajsts-5819	69	9	was	be	AUX
ajsts-5819	69	10	applied	apply	VERB
ajsts-5819	69	11	,	,	PUNCT
ajsts-5819	69	12	which	which	PRON
ajsts-5819	69	13	is	be	AUX
ajsts-5819	69	14	appropriate	appropriate	ADJ
ajsts-5819	69	15	in	in	ADP
ajsts-5819	69	16	small	small	ADJ
ajsts-5819	69	17	samples	sample	NOUN
ajsts-5819	69	18	and	and	CCONJ
ajsts-5819	69	19	variables	variable	NOUN
ajsts-5819	69	20	integrated	integrate	VERB
ajsts-5819	69	21	at	at	ADP
ajsts-5819	69	22	various	various	ADJ
ajsts-5819	69	23	orders	order	NOUN
ajsts-5819	69	24	.	.	PUNCT
ajsts-5819	70	1	unit	unit	NOUN
ajsts-5819	70	2	root	root	NOUN
ajsts-5819	70	3	tests	test	NOUN
ajsts-5819	70	4	(	(	PUNCT
ajsts-5819	70	5	adf	adf	NOUN
ajsts-5819	70	6	and	and	CCONJ
ajsts-5819	70	7	phillips	phillips	PROPN
ajsts-5819	70	8	-	-	PUNCT
ajsts-5819	70	9	perron	perron	PROPN
ajsts-5819	70	10	)	)	PUNCT
ajsts-5819	70	11	showed	show	VERB
ajsts-5819	70	12	that	that	SCONJ
ajsts-5819	70	13	all	all	DET
ajsts-5819	70	14	variables	variable	NOUN
ajsts-5819	70	15	were	be	AUX
ajsts-5819	70	16	nonstationary	nonstationary	ADJ
ajsts-5819	70	17	at	at	ADP
ajsts-5819	70	18	levels	level	NOUN
ajsts-5819	70	19	but	but	CCONJ
ajsts-5819	70	20	stationary	stationary	ADJ
ajsts-5819	70	21	after	after	ADP
ajsts-5819	70	22	first	first	ADJ
ajsts-5819	70	23	differencing	differencing	NOUN
ajsts-5819	70	24	,	,	PUNCT
ajsts-5819	70	25	which	which	PRON
ajsts-5819	70	26	implies	imply	VERB
ajsts-5819	70	27	i(1	i(1	NOUN
ajsts-5819	70	28	)	)	PUNCT
ajsts-5819	70	29	.	.	PUNCT
ajsts-5819	71	1	as	as	ADP
ajsts-5819	71	2	a	a	DET
ajsts-5819	71	3	result	result	NOUN
ajsts-5819	71	4	,	,	PUNCT
ajsts-5819	71	5	the	the	DET
ajsts-5819	71	6	ardl	ardl	NOUN
ajsts-5819	71	7	bounds	bound	VERB
ajsts-5819	71	8	test	test	NOUN
ajsts-5819	71	9	of	of	ADP
ajsts-5819	71	10	cointegration	cointegration	NOUN
ajsts-5819	71	11	was	be	AUX
ajsts-5819	71	12	used	use	VERB
ajsts-5819	71	13	.	.	PUNCT
ajsts-5819	72	1	the	the	DET
ajsts-5819	72	2	model	model	NOUN
ajsts-5819	72	3	specification	specification	NOUN
ajsts-5819	72	4	is	be	AUX
ajsts-5819	72	5	scp	scp	PROPN
ajsts-5819	72	6	as	as	ADP
ajsts-5819	72	7	the	the	DET
ajsts-5819	72	8	dependent	dependent	ADJ
ajsts-5819	72	9	variable	variable	NOUN
ajsts-5819	72	10	,	,	PUNCT
ajsts-5819	72	11	and	and	CCONJ
ajsts-5819	72	12	fin	fin	NOUN
ajsts-5819	72	13	and	and	CCONJ
ajsts-5819	72	14	acc	acc	PROPN
ajsts-5819	72	15	as	as	ADP
ajsts-5819	72	16	regressors	regressor	NOUN
ajsts-5819	72	17	.	.	PUNCT
ajsts-5819	73	1	the	the	DET
ajsts-5819	73	2	akaike	akaike	ADJ
ajsts-5819	73	3	information	information	NOUN
ajsts-5819	73	4	criterion	criterion	NOUN
ajsts-5819	73	5	was	be	AUX
ajsts-5819	73	6	used	use	VERB
ajsts-5819	73	7	to	to	PART
ajsts-5819	73	8	choose	choose	VERB
ajsts-5819	73	9	an	an	DET
ajsts-5819	73	10	ardl	ardl	NOUN
ajsts-5819	73	11	(	(	PUNCT
ajsts-5819	73	12	1,1,1	1,1,1	NUM
ajsts-5819	73	13	)	)	PUNCT
ajsts-5819	73	14	model	model	NOUN
ajsts-5819	73	15	.	.	PUNCT
ajsts-5819	74	1	this	this	DET
ajsts-5819	74	2	arrangement	arrangement	NOUN
ajsts-5819	74	3	enables	enable	VERB
ajsts-5819	74	4	the	the	DET
ajsts-5819	74	5	estimation	estimation	NOUN
ajsts-5819	74	6	of	of	ADP
ajsts-5819	74	7	long	long	ADJ
ajsts-5819	74	8	-	-	PUNCT
ajsts-5819	74	9	run	run	NOUN
ajsts-5819	74	10	relationships	relationship	NOUN
ajsts-5819	74	11	and	and	CCONJ
ajsts-5819	74	12	short	short	ADJ
ajsts-5819	74	13	-	-	PUNCT
ajsts-5819	74	14	run	run	NOUN
ajsts-5819	74	15	dynamics	dynamic	NOUN
ajsts-5819	74	16	between	between	ADP
ajsts-5819	74	17	the	the	DET
ajsts-5819	74	18	key	key	ADJ
ajsts-5819	74	19	variables	variable	NOUN
ajsts-5819	74	20	simultaneously	simultaneously	ADV
ajsts-5819	74	21	:	:	PUNCT
ajsts-5819	74	22	lm	lm	ADJ
ajsts-5819	74	23	test	test	NOUN
ajsts-5819	74	24	)	)	PUNCT
ajsts-5819	74	25	,	,	PUNCT
ajsts-5819	74	26	heteroskedasticity	heteroskedasticity	NOUN
ajsts-5819	74	27	(	(	PUNCT
ajsts-5819	74	28	breusch	breusch	ADJ
ajsts-5819	74	29	-	-	PUNCT
ajsts-5819	74	30	pagan	pagan	ADJ
ajsts-5819	74	31	test	test	NOUN
ajsts-5819	74	32	)	)	PUNCT
ajsts-5819	74	33	,	,	PUNCT
ajsts-5819	74	34	and	and	CCONJ
ajsts-5819	74	35	normality	normality	NOUN
ajsts-5819	74	36	of	of	ADP
ajsts-5819	74	37	residuals	residual	NOUN
ajsts-5819	74	38	.	.	PUNCT
ajsts-5819	75	1	all	all	DET
ajsts-5819	75	2	calculations	calculation	NOUN
ajsts-5819	75	3	were	be	AUX
ajsts-5819	75	4	performed	perform	VERB
ajsts-5819	75	5	in	in	ADP
ajsts-5819	75	6	eviews	eview	NOUN
ajsts-5819	75	7	and	and	CCONJ
ajsts-5819	75	8	stata	stata	VERB
ajsts-5819	75	9	and	and	CCONJ
ajsts-5819	75	10	the	the	DET
ajsts-5819	75	11	results	result	NOUN
ajsts-5819	75	12	tabulated	tabulate	VERB
ajsts-5819	75	13	to	to	PART
ajsts-5819	75	14	make	make	VERB
ajsts-5819	75	15	them	they	PRON
ajsts-5819	75	16	easy	easy	ADJ
ajsts-5819	75	17	to	to	PART
ajsts-5819	75	18	understand	understand	VERB
ajsts-5819	75	19	.	.	PUNCT
ajsts-5819	76	1	the	the	DET
ajsts-5819	76	2	level	level	NOUN
ajsts-5819	76	3	of	of	ADP
ajsts-5819	76	4	significance	significance	NOUN
ajsts-5819	76	5	was	be	AUX
ajsts-5819	76	6	established	establish	VERB
ajsts-5819	76	7	at	at	ADP
ajsts-5819	76	8	5	5	NUM
ajsts-5819	76	9	percent	percent	NOUN
ajsts-5819	76	10	,	,	PUNCT
ajsts-5819	76	11	where	where	SCONJ
ajsts-5819	76	12	p	p	NOUN
ajsts-5819	76	13	less	less	ADJ
ajsts-5819	76	14	than	than	ADP
ajsts-5819	76	15	0.01	0.01	NUM
ajsts-5819	76	16	and	and	CCONJ
ajsts-5819	76	17	p	p	NOUN
ajsts-5819	76	18	less	less	ADJ
ajsts-5819	76	19	than	than	ADP
ajsts-5819	76	20	0.05	0.05	NUM
ajsts-5819	76	21	were	be	AUX
ajsts-5819	76	22	regarded	regard	VERB
ajsts-5819	76	23	significant	significant	ADJ
ajsts-5819	76	24	in	in	ADP
ajsts-5819	76	25	result	result	NOUN
ajsts-5819	76	26	tables	table	NOUN
ajsts-5819	76	27	.	.	PUNCT
ajsts-5819	77	1	results	result	NOUN
ajsts-5819	77	2	and	and	CCONJ
ajsts-5819	77	3	dicussions	dicussion	NOUN
ajsts-5819	77	4	table	table	NOUN
ajsts-5819	77	5	1	1	NUM
ajsts-5819	77	6	present	present	VERB
ajsts-5819	77	7	the	the	DET
ajsts-5819	77	8	descriptive	descriptive	ADJ
ajsts-5819	77	9	statistics	statistic	NOUN
ajsts-5819	77	10	of	of	ADP
ajsts-5819	77	11	fintech	fintech	NOUN
ajsts-5819	77	12	adoption	adoption	NOUN
ajsts-5819	77	13	(	(	PUNCT
ajsts-5819	77	14	fin	fin	NOUN
ajsts-5819	77	15	)	)	PUNCT
ajsts-5819	77	16	,	,	PUNCT
ajsts-5819	77	17	accounting	accounting	NOUN
ajsts-5819	77	18	efficiency	efficiency	NOUN
ajsts-5819	77	19	(	(	PUNCT
ajsts-5819	77	20	acc	acc	PROPN
ajsts-5819	77	21	)	)	PUNCT
ajsts-5819	77	22	,	,	PUNCT
ajsts-5819	77	23	and	and	CCONJ
ajsts-5819	77	24	supply	supply	NOUN
ajsts-5819	77	25	chain	chain	NOUN
ajsts-5819	77	26	performance	performance	NOUN
ajsts-5819	77	27	(	(	PUNCT
ajsts-5819	77	28	scp	scp	PROPN
ajsts-5819	77	29	)	)	PUNCT
ajsts-5819	77	30	in	in	ADP
ajsts-5819	77	31	nigeria	nigeria	PRON
ajsts-5819	77	32	between	between	ADP
ajsts-5819	77	33	2000	2000	NUM
ajsts-5819	77	34	and	and	CCONJ
ajsts-5819	77	35	2024	2024	NUM
ajsts-5819	77	36	.	.	PUNCT
ajsts-5819	78	1	the	the	DET
ajsts-5819	78	2	average	average	ADJ
ajsts-5819	78	3	scores	score	NOUN
ajsts-5819	78	4	of	of	ADP
ajsts-5819	78	5	fin	fin	NOUN
ajsts-5819	78	6	(	(	PUNCT
ajsts-5819	78	7	0.55	0.55	NUM
ajsts-5819	78	8	)	)	PUNCT
ajsts-5819	78	9	,	,	PUNCT
ajsts-5819	78	10	acc	acc	PROPN
ajsts-5819	78	11	(	(	PUNCT
ajsts-5819	78	12	0.63	0.63	NUM
ajsts-5819	78	13	)	)	PUNCT
ajsts-5819	78	14	,	,	PUNCT
ajsts-5819	78	15	and	and	CCONJ
ajsts-5819	78	16	scp	scp	PROPN
ajsts-5819	78	17	(	(	PUNCT
ajsts-5819	78	18	0.68	0.68	NUM
ajsts-5819	78	19	)	)	PUNCT
ajsts-5819	78	20	indicate	indicate	VERB
ajsts-5819	78	21	the	the	DET
ajsts-5819	78	22	moderate	moderate	ADJ
ajsts-5819	78	23	use	use	NOUN
ajsts-5819	78	24	of	of	ADP
ajsts-5819	78	25	digital	digital	ADJ
ajsts-5819	78	26	finance	finance	NOUN
ajsts-5819	78	27	,	,	PUNCT
ajsts-5819	78	28	the	the	DET
ajsts-5819	78	29	strength	strength	NOUN
ajsts-5819	78	30	of	of	ADP
ajsts-5819	78	31	accounting	accounting	NOUN
ajsts-5819	78	32	,	,	PUNCT
ajsts-5819	78	33	and	and	CCONJ
ajsts-5819	78	34	the	the	DET
ajsts-5819	78	35	efficiency	efficiency	NOUN
ajsts-5819	78	36	of	of	ADP
ajsts-5819	78	37	logistics	logistic	NOUN
ajsts-5819	78	38	.	.	PUNCT
ajsts-5819	79	1	nevertheless	nevertheless	ADV
ajsts-5819	79	2	,	,	PUNCT
ajsts-5819	79	3	fin	fin	NOUN
ajsts-5819	79	4	has	have	VERB
ajsts-5819	79	5	the	the	DET
ajsts-5819	79	6	greatest	great	ADJ
ajsts-5819	79	7	variance	variance	NOUN
ajsts-5819	79	8	(	(	PUNCT
ajsts-5819	79	9	0.20	0.20	NUM
ajsts-5819	79	10	to	to	PART
ajsts-5819	79	11	0.80	0.80	NUM
ajsts-5819	79	12	)	)	PUNCT
ajsts-5819	79	13	indicating	indicate	VERB
ajsts-5819	79	14	uneven	uneven	ADJ
ajsts-5819	79	15	adoption	adoption	NOUN
ajsts-5819	79	16	of	of	ADP
ajsts-5819	79	17	digitalization	digitalization	NOUN
ajsts-5819	79	18	across	across	ADP
ajsts-5819	79	19	companies	company	NOUN
ajsts-5819	79	20	or	or	CCONJ
ajsts-5819	79	21	time	time	NOUN
ajsts-5819	79	22	,	,	PUNCT
ajsts-5819	79	23	potentially	potentially	ADV
ajsts-5819	79	24	caused	cause	VERB
ajsts-5819	79	25	by	by	ADP
ajsts-5819	79	26	unequal	unequal	ADJ
ajsts-5819	79	27	digital	digital	ADJ
ajsts-5819	79	28	infrastructure	infrastructure	NOUN
ajsts-5819	79	29	or	or	CCONJ
ajsts-5819	79	30	regulatory	regulatory	ADJ
ajsts-5819	79	31	policies	policy	NOUN
ajsts-5819	79	32	.	.	PUNCT
ajsts-5819	80	1	acc	acc	PROPN
ajsts-5819	80	2	is	be	AUX
ajsts-5819	80	3	fairly	fairly	ADV
ajsts-5819	80	4	consistent	consistent	ADJ
ajsts-5819	80	5	(	(	PUNCT
ajsts-5819	80	6	std	std	PROPN
ajsts-5819	80	7	.	.	PROPN
ajsts-5819	80	8	dev	dev	PROPN
ajsts-5819	80	9	.	.	PUNCT
ajsts-5819	81	1	=	=	NOUN
ajsts-5819	81	2	0.09	0.09	NUM
ajsts-5819	81	3	)	)	PUNCT
ajsts-5819	81	4	,	,	PUNCT
ajsts-5819	81	5	which	which	PRON
ajsts-5819	81	6	means	mean	VERB
ajsts-5819	81	7	that	that	SCONJ
ajsts-5819	81	8	there	there	PRON
ajsts-5819	81	9	is	be	VERB
ajsts-5819	81	10	not	not	PART
ajsts-5819	81	11	much	much	ADJ
ajsts-5819	81	12	variance	variance	NOUN
ajsts-5819	81	13	in	in	ADP
ajsts-5819	81	14	the	the	DET
ajsts-5819	81	15	financial	financial	ADJ
ajsts-5819	81	16	reporting	reporting	NOUN
ajsts-5819	81	17	practicespossibly	practicespossibly	ADV
ajsts-5819	81	18	due	due	ADP
ajsts-5819	81	19	to	to	ADP
ajsts-5819	81	20	consistent	consistent	ADJ
ajsts-5819	81	21	regulatory	regulatory	ADJ
ajsts-5819	81	22	standards	standard	NOUN
ajsts-5819	81	23	.	.	PUNCT
ajsts-5819	82	1	the	the	DET
ajsts-5819	82	2	moderate	moderate	ADJ
ajsts-5819	82	3	dispersion	dispersion	NOUN
ajsts-5819	82	4	of	of	ADP
ajsts-5819	82	5	scp	scp	PROPN
ajsts-5819	82	6	(	(	PUNCT
ajsts-5819	82	7	std	std	PROPN
ajsts-5819	82	8	.	.	PROPN
ajsts-5819	82	9	dev	dev	PROPN
ajsts-5819	82	10	.	.	PUNCT
ajsts-5819	83	1	=	=	SYM
ajsts-5819	83	2	0.10	0.10	NUM
ajsts-5819	83	3	)	)	PUNCT
ajsts-5819	83	4	indicates	indicate	VERB
ajsts-5819	83	5	a	a	DET
ajsts-5819	83	6	slight	slight	ADJ
ajsts-5819	83	7	improvement	improvement	NOUN
ajsts-5819	83	8	yet	yet	ADV
ajsts-5819	83	9	alludes	allude	VERB
ajsts-5819	83	10	to	to	ADP
ajsts-5819	83	11	systemic	systemic	ADJ
ajsts-5819	83	12	inefficiencies	inefficiency	NOUN
ajsts-5819	83	13	.	.	PUNCT
ajsts-5819	84	1	low	low	ADJ
ajsts-5819	84	2	values	value	NOUN
ajsts-5819	84	3	of	of	ADP
ajsts-5819	84	4	skewness	skewness	NOUN
ajsts-5819	84	5	and	and	CCONJ
ajsts-5819	84	6	kurtosis	kurtosis	NOUN
ajsts-5819	84	7	of	of	ADP
ajsts-5819	84	8	all	all	DET
ajsts-5819	84	9	variables	variable	NOUN
ajsts-5819	84	10	indicate	indicate	VERB
ajsts-5819	84	11	a	a	DET
ajsts-5819	84	12	relatively	relatively	ADV
ajsts-5819	84	13	normal	normal	ADJ
ajsts-5819	84	14	distribution	distribution	NOUN
ajsts-5819	84	15	,	,	PUNCT
ajsts-5819	84	16	which	which	PRON
ajsts-5819	84	17	is	be	AUX
ajsts-5819	84	18	appropriate	appropriate	ADJ
ajsts-5819	84	19	in	in	ADP
ajsts-5819	84	20	econometric	econometric	ADJ
ajsts-5819	84	21	modeling	modeling	NOUN
ajsts-5819	84	22	.	.	PUNCT
ajsts-5819	85	1	the	the	DET
ajsts-5819	85	2	jarquebera	jarquebera	PROPN
ajsts-5819	85	3	test	test	NOUN
ajsts-5819	85	4	results	result	NOUN
ajsts-5819	85	5	also	also	ADV
ajsts-5819	85	6	confirm	confirm	VERB
ajsts-5819	85	7	normality	normality	NOUN
ajsts-5819	85	8	,	,	PUNCT
ajsts-5819	85	9	which	which	PRON
ajsts-5819	85	10	proves	prove	VERB
ajsts-5819	85	11	the	the	DET
ajsts-5819	85	12	reliability	reliability	NOUN
ajsts-5819	85	13	of	of	ADP
ajsts-5819	85	14	these	these	DET
ajsts-5819	85	15	indicators	indicator	NOUN
ajsts-5819	85	16	.	.	PUNCT
ajsts-5819	86	1	these	these	DET
ajsts-5819	86	2	trends	trend	NOUN
ajsts-5819	86	3	warrant	warrant	VERB
ajsts-5819	86	4	further	further	ADJ
ajsts-5819	86	5	exploration	exploration	NOUN
ajsts-5819	86	6	of	of	ADP
ajsts-5819	86	7	the	the	DET
ajsts-5819	86	8	effect	effect	NOUN
ajsts-5819	86	9	of	of	ADP
ajsts-5819	86	10	variation	variation	NOUN
ajsts-5819	86	11	in	in	ADP
ajsts-5819	86	12	fin	fin	NOUN
ajsts-5819	86	13	and	and	CCONJ
ajsts-5819	86	14	acc	acc	PROPN
ajsts-5819	86	15	on	on	ADP
ajsts-5819	86	16	scp	scp	PROPN
ajsts-5819	86	17	in	in	ADP
ajsts-5819	86	18	the	the	DET
ajsts-5819	86	19	nigerian	nigerian	ADJ
ajsts-5819	86	20	logistics	logistic	NOUN
ajsts-5819	86	21	setting	setting	NOUN
ajsts-5819	86	22	,	,	PUNCT
ajsts-5819	86	23	statistically	statistically	ADV
ajsts-5819	86	24	.	.	PUNCT
ajsts-5819	87	1	with	with	ADP
ajsts-5819	87	2	an	an	DET
ajsts-5819	87	3	associated	associate	VERB
ajsts-5819	87	4	error	error	NOUN
ajsts-5819	87	5	correction	correction	NOUN
ajsts-5819	87	6	model	model	NOUN
ajsts-5819	87	7	(	(	PUNCT
ajsts-5819	87	8	ecm	ecm	PROPN
ajsts-5819	87	9	)	)	PUNCT
ajsts-5819	87	10	for	for	ADP
ajsts-5819	87	11	short	short	ADJ
ajsts-5819	87	12	-	-	PUNCT
ajsts-5819	87	13	run	run	NOUN
ajsts-5819	87	14	adjustments	adjustment	NOUN
ajsts-5819	87	15	:	:	PUNCT
ajsts-5819	87	16	here	here	ADV
ajsts-5819	87	17	,	,	PUNCT
ajsts-5819	87	18	the	the	DET
ajsts-5819	87	19	lagged	lag	VERB
ajsts-5819	87	20	error	error	NOUN
ajsts-5819	87	21	correction	correction	NOUN
ajsts-5819	87	22	term	term	NOUN
ajsts-5819	87	23	is	be	AUX
ajsts-5819	87	24	written	write	VERB
ajsts-5819	87	25	as	as	ADP
ajsts-5819	87	26	:	:	PUNCT
ajsts-5819	87	27	a	a	DET
ajsts-5819	87	28	negative	negative	ADJ
ajsts-5819	87	29	and	and	CCONJ
ajsts-5819	87	30	significant	significant	ADJ
ajsts-5819	87	31	value	value	NOUN
ajsts-5819	87	32	of	of	ADP
ajsts-5819	87	33	lambda	lambda	NOUN
ajsts-5819	87	34	is	be	AUX
ajsts-5819	87	35	anticipated	anticipate	VERB
ajsts-5819	87	36	when	when	SCONJ
ajsts-5819	87	37	there	there	PRON
ajsts-5819	87	38	is	be	VERB
ajsts-5819	87	39	a	a	DET
ajsts-5819	87	40	stable	stable	ADJ
ajsts-5819	87	41	long	long	ADJ
ajsts-5819	87	42	-	-	PUNCT
ajsts-5819	87	43	run	run	VERB
ajsts-5819	87	44	equilibrium	equilibrium	NOUN
ajsts-5819	87	45	(	(	PUNCT
ajsts-5819	87	46	pesaran	pesaran	NOUN
ajsts-5819	87	47	et	et	PROPN
ajsts-5819	87	48	al	al	PROPN
ajsts-5819	87	49	.	.	PROPN
ajsts-5819	87	50	,	,	PUNCT
ajsts-5819	87	51	2001	2001	NUM
ajsts-5819	87	52	;	;	PUNCT
ajsts-5819	87	53	nkoro	nkoro	PROPN
ajsts-5819	87	54	and	and	CCONJ
ajsts-5819	87	55	uko	uko	PROPN
ajsts-5819	87	56	,	,	PUNCT
ajsts-5819	87	57	2016	2016	NUM
ajsts-5819	87	58	)	)	PUNCT
ajsts-5819	87	59	.	.	PUNCT
ajsts-5819	88	1	the	the	DET
ajsts-5819	88	2	model	model	NOUN
ajsts-5819	88	3	was	be	AUX
ajsts-5819	88	4	validated	validate	VERB
ajsts-5819	88	5	by	by	ADP
ajsts-5819	88	6	diagnostic	diagnostic	ADJ
ajsts-5819	88	7	checks	check	NOUN
ajsts-5819	88	8	of	of	ADP
ajsts-5819	88	9	serial	serial	ADJ
ajsts-5819	88	10	correlation	correlation	NOUN
ajsts-5819	88	11	(	(	PUNCT
ajsts-5819	88	12	breusch	breusch	ADJ
ajsts-5819	88	13	-	-	PUNCT
ajsts-5819	88	14	godfrey	godfrey	NOUN
ajsts-5819	88	15	table	table	NOUN
ajsts-5819	88	16	1	1	NUM
ajsts-5819	88	17	:	:	PUNCT
ajsts-5819	88	18	descriptive	descriptive	ADJ
ajsts-5819	88	19	statistics	statistic	NOUN
ajsts-5819	88	20	fin	fin	PROPN
ajsts-5819	88	21	acc	acc	PROPN
ajsts-5819	88	22	scp	scp	PROPN
ajsts-5819	88	23	mean	mean	VERB
ajsts-5819	88	24	0.5500	0.5500	NUM
ajsts-5819	88	25	0.6300	0.6300	NUM
ajsts-5819	88	26	0.6800	0.6800	NUM
ajsts-5819	88	27	median	median	NOUN
ajsts-5819	88	28	0.5300	0.5300	NUM
ajsts-5819	88	29	0.6200	0.6200	NUM
ajsts-5819	88	30	0.6700	0.6700	NUM
ajsts-5819	88	31	maximum	maximum	ADJ
ajsts-5819	88	32	0.8000	0.8000	NUM
ajsts-5819	88	33	0.7500	0.7500	NUM
ajsts-5819	88	34	0.8200	0.8200	NUM
ajsts-5819	88	35	minimum	minimum	ADJ
ajsts-5819	88	36	0.2000	0.2000	NUM
ajsts-5819	88	37	0.5000	0.5000	NUM
ajsts-5819	88	38	0.5500	0.5500	NUM
ajsts-5819	88	39	std	std	NOUN
ajsts-5819	88	40	.	.	PUNCT
ajsts-5819	89	1	dev	dev	PROPN
ajsts-5819	89	2	.	.	PUNCT
ajsts-5819	90	1	0.2000	0.2000	NUM
ajsts-5819	90	2	0.0900	0.0900	NUM
ajsts-5819	90	3	0.1000	0.1000	NUM
ajsts-5819	90	4	skewness	skewness	NOUN
ajsts-5819	90	5	0.2351	0.2351	NUM
ajsts-5819	90	6	0.2874	0.2874	NUM
ajsts-5819	90	7	0.1167	0.1167	NUM
ajsts-5819	90	8	kurtosis	kurtosis	NOUN
ajsts-5819	90	9	1.9302	1.9302	NUM
ajsts-5819	90	10	2.1764	2.1764	NUM
ajsts-5819	90	11	1.8723	1.8723	NUM
ajsts-5819	90	12	jarque	jarque	NOUN
ajsts-5819	90	13	-	-	PUNCT
ajsts-5819	90	14	bera	bera	NOUN
ajsts-5819	90	15	1.1204	1.1204	NUM
ajsts-5819	90	16	0.8457	0.8457	NUM
ajsts-5819	90	17	0.9972	0.9972	NUM
ajsts-5819	90	18	probability	probability	NOUN
ajsts-5819	90	19	0.5712	0.5712	NUM
ajsts-5819	90	20	0.6549	0.6549	NUM
ajsts-5819	90	21	0.6074	0.6074	NUM
ajsts-5819	90	22	sum	sum	NOUN
ajsts-5819	90	23	10.450	10.450	NUM
ajsts-5819	90	24	11.970	11.970	NUM
ajsts-5819	90	25	12.920	12.920	NUM
ajsts-5819	90	26	sum	sum	NOUN
ajsts-5819	90	27	sq	sq	PROPN
ajsts-5819	90	28	.	.	PROPN
ajsts-5819	90	29	dev	dev	PROPN
ajsts-5819	90	30	.	.	PUNCT
ajsts-5819	91	1	0.7605	0.7605	NUM
ajsts-5819	91	2	0.1458	0.1458	NUM
ajsts-5819	91	3	0.1900	0.1900	NUM
ajsts-5819	91	4	observations	observation	NOUN
ajsts-5819	91	5	24	24	NUM
ajsts-5819	91	6	24	24	NUM
ajsts-5819	91	7	24	24	NUM
ajsts-5819	91	8	(	(	PUNCT
ajsts-5819	91	9	fin	fin	NOUN
ajsts-5819	91	10	=	=	SYM
ajsts-5819	91	11	fintech	fintech	NOUN
ajsts-5819	91	12	adoption	adoption	NOUN
ajsts-5819	91	13	,	,	PUNCT
ajsts-5819	91	14	acc	acc	NOUN
ajsts-5819	91	15	=	=	PUNCT
ajsts-5819	91	16	accounting	accounting	NOUN
ajsts-5819	91	17	efficiency	efficiency	NOUN
ajsts-5819	91	18	,	,	PUNCT
ajsts-5819	91	19	scp	scp	NOUN
ajsts-5819	91	20	=	=	SYM
ajsts-5819	91	21	supply	supply	NOUN
ajsts-5819	91	22	chain	chain	NOUN
ajsts-5819	91	23	performance	performance	NOUN
ajsts-5819	91	24	)	)	PUNCT
ajsts-5819	91	25	source	source	NOUN
ajsts-5819	91	26	:	:	PUNCT
ajsts-5819	91	27	author	author	NOUN
ajsts-5819	91	28	’s	’s	PART
ajsts-5819	91	29	computation	computation	NOUN
ajsts-5819	91	30	using	use	VERB
ajsts-5819	91	31	eviews	eview	NOUN
ajsts-5819	91	32	.	.	PUNCT
ajsts-5819	92	1	furthermore	furthermore	ADV
ajsts-5819	92	2	,	,	PUNCT
ajsts-5819	92	3	table	table	NOUN
ajsts-5819	92	4	2	2	NUM
ajsts-5819	92	5	presents	present	VERB
ajsts-5819	92	6	the	the	DET
ajsts-5819	92	7	findings	finding	NOUN
ajsts-5819	92	8	of	of	ADP
ajsts-5819	92	9	the	the	DET
ajsts-5819	92	10	ardl	ardl	NOUN
ajsts-5819	92	11	bounds	bound	VERB
ajsts-5819	92	12	test	test	VERB
ajsts-5819	92	13	of	of	ADP
ajsts-5819	92	14	cointegration	cointegration	NOUN
ajsts-5819	92	15	.	.	PUNCT
ajsts-5819	93	1	the	the	DET
ajsts-5819	93	2	calculated	calculated	ADJ
ajsts-5819	93	3	f	f	NOUN
ajsts-5819	93	4	-	-	PUNCT
ajsts-5819	93	5	statistic	statistic	ADJ
ajsts-5819	93	6	(	(	PUNCT
ajsts-5819	93	7	7.24	7.24	NUM
ajsts-5819	93	8	)	)	PUNCT
ajsts-5819	93	9	is	be	AUX
ajsts-5819	93	10	bigger	big	ADJ
ajsts-5819	93	11	than	than	ADP
ajsts-5819	93	12	the	the	DET
ajsts-5819	93	13	critical	critical	ADJ
ajsts-5819	93	14	upper	upper	NOUN
ajsts-5819	93	15	bound	bind	VERB
ajsts-5819	93	16	even	even	ADV
ajsts-5819	93	17	at	at	ADP
ajsts-5819	93	18	the	the	DET
ajsts-5819	93	19	1	1	NUM
ajsts-5819	93	20	percent	percent	NOUN
ajsts-5819	93	21	significance	significance	NOUN
ajsts-5819	93	22	level	level	NOUN
ajsts-5819	93	23	which	which	PRON
ajsts-5819	93	24	makes	make	VERB
ajsts-5819	93	25	it	it	PRON
ajsts-5819	93	26	certain	certain	ADJ
ajsts-5819	93	27	that	that	SCONJ
ajsts-5819	93	28	there	there	PRON
ajsts-5819	93	29	is	be	VERB
ajsts-5819	93	30	a	a	DET
ajsts-5819	93	31	long	long	ADV
ajsts-5819	93	32	-	-	PUNCT
ajsts-5819	93	33	run	run	VERB
ajsts-5819	93	34	equilibrium	equilibrium	NOUN
ajsts-5819	93	35	relationship	relationship	NOUN
ajsts-5819	93	36	between	between	ADP
ajsts-5819	93	37	fin	fin	PROPN
ajsts-5819	93	38	,	,	PUNCT
ajsts-5819	93	39	acc	acc	PROPN
ajsts-5819	93	40	and	and	CCONJ
ajsts-5819	93	41	scp	scp	PROPN
ajsts-5819	93	42	.	.	PUNCT
ajsts-5819	94	1	specifically	specifically	ADV
ajsts-5819	94	2	,	,	PUNCT
ajsts-5819	94	3	the	the	DET
ajsts-5819	94	4	f	f	NOUN
ajsts-5819	94	5	-	-	PUNCT
ajsts-5819	94	6	statistic	statistic	NOUN
ajsts-5819	94	7	falls	fall	VERB
ajsts-5819	94	8	well	well	ADV
ajsts-5819	94	9	beyond	beyond	ADP
ajsts-5819	94	10	the	the	DET
ajsts-5819	94	11	critical	critical	ADJ
ajsts-5819	94	12	values	value	NOUN
ajsts-5819	94	13	(	(	PUNCT
ajsts-5819	94	14	3.23	3.23	NUM
ajsts-5819	94	15	to	to	ADP
ajsts-5819	94	16	4.35	4.35	NUM
ajsts-5819	94	17	)	)	PUNCT
ajsts-5819	94	18	at	at	ADP
ajsts-5819	94	19	5	5	NUM
ajsts-5819	94	20	percent	percent	NOUN
ajsts-5819	94	21	level	level	NOUN
ajsts-5819	94	22	,	,	PUNCT
ajsts-5819	94	23	indicating	indicate	VERB
ajsts-5819	94	24	that	that	SCONJ
ajsts-5819	94	25	there	there	PRON
ajsts-5819	94	26	is	be	VERB
ajsts-5819	94	27	overwhelming	overwhelming	ADJ
ajsts-5819	94	28	evidence	evidence	NOUN
ajsts-5819	94	29	to	to	PART
ajsts-5819	94	30	conclude	conclude	VERB
ajsts-5819	94	31	that	that	DET
ajsts-5819	94	32	fintech	fintech	NOUN
ajsts-5819	94	33	adoption	adoption	NOUN
ajsts-5819	94	34	,	,	PUNCT
ajsts-5819	94	35	accounting	accounting	NOUN
ajsts-5819	94	36	efficiency	efficiency	NOUN
ajsts-5819	94	37	,	,	PUNCT
ajsts-5819	94	38	and	and	CCONJ
ajsts-5819	94	39	supply	supply	NOUN
ajsts-5819	94	40	chain	chain	NOUN
ajsts-5819	94	41	performance	performance	NOUN
ajsts-5819	94	42	are	be	AUX
ajsts-5819	94	43	cointegrated	cointegrate	VERB
ajsts-5819	94	44	.	.	PUNCT
ajsts-5819	95	1	it	it	PRON
ajsts-5819	95	2	means	mean	VERB
ajsts-5819	95	3	that	that	SCONJ
ajsts-5819	95	4	a	a	DET
ajsts-5819	95	5	steady	steady	ADJ
ajsts-5819	95	6	long	long	ADJ
ajsts-5819	95	7	-	-	PUNCT
ajsts-5819	95	8	run	run	NOUN
ajsts-5819	95	9	relationship	relationship	NOUN
ajsts-5819	95	10	exists	exist	VERB
ajsts-5819	95	11	among	among	ADP
ajsts-5819	95	12	the	the	DET
ajsts-5819	95	13	three	three	NUM
ajsts-5819	95	14	variables	variable	NOUN
ajsts-5819	95	15	in	in	ADP
ajsts-5819	95	16	the	the	DET
ajsts-5819	95	17	logistics	logistic	NOUN
ajsts-5819	95	18	industry	industry	NOUN
ajsts-5819	95	19	of	of	ADP
ajsts-5819	95	20	nigeria	nigeria	PROPN
ajsts-5819	95	21	,	,	PUNCT
ajsts-5819	95	22	which	which	PRON
ajsts-5819	95	23	merits	merit	VERB
ajsts-5819	95	24	the	the	DET
ajsts-5819	95	25	application	application	NOUN
ajsts-5819	95	26	of	of	ADP
ajsts-5819	95	27	the	the	DET
ajsts-5819	95	28	ardl	ardl	NOUN
ajsts-5819	95	29	method	method	NOUN
ajsts-5819	95	30	to	to	PART
ajsts-5819	95	31	determine	determine	VERB
ajsts-5819	95	32	longrun	longrun	NOUN
ajsts-5819	95	33	and	and	CCONJ
ajsts-5819	95	34	short	short	ADJ
ajsts-5819	95	35	-	-	PUNCT
ajsts-5819	95	36	run	run	NOUN
ajsts-5819	95	37	dynamics	dynamic	NOUN
ajsts-5819	95	38	.	.	PUNCT
ajsts-5819	96	1	pa	pa	PROPN
ajsts-5819	96	2	ge	ge	PROPN
ajsts-5819	96	3	66	66	NUM
ajsts-5819	96	4	https://journals.e-palli.com/home/index.php/ajsts	https://journals.e-palli.com/home/index.php/ajst	NOUN
ajsts-5819	96	5	am	be	AUX
ajsts-5819	96	6	.	.	PUNCT
ajsts-5819	97	1	j.	j.	PROPN
ajsts-5819	97	2	smart	smart	PROPN
ajsts-5819	97	3	.	.	PUNCT
ajsts-5819	98	1	technol	technol	PROPN
ajsts-5819	98	2	.	.	PUNCT
ajsts-5819	98	3	solutions	solution	NOUN
ajsts-5819	98	4	4(2	4(2	NUM
ajsts-5819	98	5	)	)	PUNCT
ajsts-5819	98	6	63	63	NUM
ajsts-5819	98	7	-	-	SYM
ajsts-5819	98	8	69	69	NUM
ajsts-5819	98	9	,	,	PUNCT
ajsts-5819	98	10	2025	2025	NUM
ajsts-5819	98	11	however	however	ADV
ajsts-5819	98	12	,	,	PUNCT
ajsts-5819	98	13	the	the	DET
ajsts-5819	98	14	long	long	ADV
ajsts-5819	98	15	-	-	PUNCT
ajsts-5819	98	16	run	run	VERB
ajsts-5819	98	17	coefficients	coefficient	NOUN
ajsts-5819	98	18	were	be	AUX
ajsts-5819	98	19	estimated	estimate	VERB
ajsts-5819	98	20	after	after	ADP
ajsts-5819	98	21	having	having	AUX
ajsts-5819	98	22	verified	verify	VERB
ajsts-5819	98	23	cointegration	cointegration	NOUN
ajsts-5819	98	24	and	and	CCONJ
ajsts-5819	98	25	are	be	AUX
ajsts-5819	98	26	listed	list	VERB
ajsts-5819	98	27	in	in	ADP
ajsts-5819	98	28	table	table	NOUN
ajsts-5819	98	29	3	3	NUM
ajsts-5819	98	30	.	.	PUNCT
ajsts-5819	99	1	the	the	DET
ajsts-5819	99	2	long	long	ADV
ajsts-5819	99	3	-	-	PUNCT
ajsts-5819	99	4	run	run	NOUN
ajsts-5819	99	5	equation	equation	NOUN
ajsts-5819	99	6	(	(	PUNCT
ajsts-5819	99	7	scp	scp	PROPN
ajsts-5819	99	8	as	as	ADP
ajsts-5819	99	9	the	the	DET
ajsts-5819	99	10	dependent	dependent	ADJ
ajsts-5819	99	11	variable	variable	NOUN
ajsts-5819	99	12	)	)	PUNCT
ajsts-5819	99	13	reveals	reveal	VERB
ajsts-5819	99	14	that	that	SCONJ
ajsts-5819	99	15	both	both	PRON
ajsts-5819	99	16	fintech	fintech	NOUN
ajsts-5819	99	17	adoption	adoption	NOUN
ajsts-5819	99	18	and	and	CCONJ
ajsts-5819	99	19	accounting	accounting	NOUN
ajsts-5819	99	20	efficiency	efficiency	NOUN
ajsts-5819	99	21	are	be	AUX
ajsts-5819	99	22	significant	significant	ADJ
ajsts-5819	99	23	and	and	CCONJ
ajsts-5819	99	24	positive	positive	ADJ
ajsts-5819	99	25	in	in	ADP
ajsts-5819	99	26	their	their	PRON
ajsts-5819	99	27	effects	effect	NOUN
ajsts-5819	99	28	on	on	ADP
ajsts-5819	99	29	supply	supply	NOUN
ajsts-5819	99	30	chain	chain	NOUN
ajsts-5819	99	31	performance	performance	NOUN
ajsts-5819	99	32	in	in	ADP
ajsts-5819	99	33	the	the	DET
ajsts-5819	99	34	long	long	ADJ
ajsts-5819	99	35	run	run	NOUN
ajsts-5819	99	36	.	.	PUNCT
ajsts-5819	100	1	on	on	ADP
ajsts-5819	100	2	average	average	ADJ
ajsts-5819	100	3	,	,	PUNCT
ajsts-5819	100	4	1	1	NUM
ajsts-5819	100	5	-	-	PUNCT
ajsts-5819	100	6	unit	unit	NOUN
ajsts-5819	100	7	growth	growth	NOUN
ajsts-5819	100	8	in	in	ADP
ajsts-5819	100	9	the	the	DET
ajsts-5819	100	10	fintech	fintech	NOUN
ajsts-5819	100	11	adoption	adoption	NOUN
ajsts-5819	100	12	index	index	NOUN
ajsts-5819	100	13	is	be	AUX
ajsts-5819	100	14	linked	link	VERB
ajsts-5819	100	15	to	to	ADP
ajsts-5819	100	16	a	a	DET
ajsts-5819	100	17	0.42	0.42	NUM
ajsts-5819	100	18	-	-	PUNCT
ajsts-5819	100	19	unit	unit	NOUN
ajsts-5819	100	20	rise	rise	NOUN
ajsts-5819	100	21	in	in	ADP
ajsts-5819	100	22	the	the	DET
ajsts-5819	100	23	supply	supply	NOUN
ajsts-5819	100	24	chain	chain	NOUN
ajsts-5819	100	25	performance	performance	NOUN
ajsts-5819	100	26	index	index	NOUN
ajsts-5819	100	27	,	,	PUNCT
ajsts-5819	100	28	holding	hold	VERB
ajsts-5819	100	29	other	other	ADJ
ajsts-5819	100	30	factors	factor	NOUN
ajsts-5819	100	31	unchanged	unchanged	ADJ
ajsts-5819	100	32	.	.	PUNCT
ajsts-5819	101	1	this	this	DET
ajsts-5819	101	2	coefficient	coefficient	NOUN
ajsts-5819	101	3	is	be	AUX
ajsts-5819	101	4	also	also	ADV
ajsts-5819	101	5	significant	significant	ADJ
ajsts-5819	101	6	at	at	ADP
ajsts-5819	101	7	the	the	DET
ajsts-5819	101	8	1	1	NUM
ajsts-5819	101	9	percentile	percentile	ADJ
ajsts-5819	101	10	,	,	PUNCT
ajsts-5819	101	11	and	and	CCONJ
ajsts-5819	101	12	this	this	PRON
ajsts-5819	101	13	is	be	AUX
ajsts-5819	101	14	a	a	DET
ajsts-5819	101	15	highly	highly	ADV
ajsts-5819	101	16	valuable	valuable	ADJ
ajsts-5819	101	17	contribution	contribution	NOUN
ajsts-5819	101	18	of	of	ADP
ajsts-5819	101	19	fintech	fintech	NOUN
ajsts-5819	101	20	innovations	innovation	NOUN
ajsts-5819	101	21	to	to	PART
ajsts-5819	101	22	better	well	ADJ
ajsts-5819	101	23	supply	supply	VERB
ajsts-5819	101	24	chain	chain	NOUN
ajsts-5819	101	25	outcomes	outcome	NOUN
ajsts-5819	101	26	over	over	ADP
ajsts-5819	101	27	time	time	NOUN
ajsts-5819	101	28	.	.	PUNCT
ajsts-5819	102	1	likewise	likewise	ADV
ajsts-5819	102	2	,	,	PUNCT
ajsts-5819	102	3	accounting	accounting	NOUN
ajsts-5819	102	4	efficiency	efficiency	NOUN
ajsts-5819	102	5	has	have	VERB
ajsts-5819	102	6	a	a	DET
ajsts-5819	102	7	coefficient	coefficient	NOUN
ajsts-5819	102	8	of	of	ADP
ajsts-5819	102	9	0.35	0.35	NUM
ajsts-5819	102	10	,	,	PUNCT
ajsts-5819	102	11	which	which	PRON
ajsts-5819	102	12	is	be	AUX
ajsts-5819	102	13	significant	significant	ADJ
ajsts-5819	102	14	at	at	ADP
ajsts-5819	102	15	the	the	DET
ajsts-5819	102	16	5	5	NUM
ajsts-5819	102	17	percent	percent	NOUN
ajsts-5819	102	18	level	level	NOUN
ajsts-5819	102	19	,	,	PUNCT
ajsts-5819	102	20	which	which	PRON
ajsts-5819	102	21	means	mean	VERB
ajsts-5819	102	22	an	an	DET
ajsts-5819	102	23	increase	increase	NOUN
ajsts-5819	102	24	in	in	ADP
ajsts-5819	102	25	the	the	DET
ajsts-5819	102	26	level	level	NOUN
ajsts-5819	102	27	of	of	ADP
ajsts-5819	102	28	accounting	accounting	NOUN
ajsts-5819	102	29	efficiency	efficiency	NOUN
ajsts-5819	102	30	is	be	AUX
ajsts-5819	102	31	associated	associate	VERB
ajsts-5819	102	32	with	with	ADP
ajsts-5819	102	33	an	an	DET
ajsts-5819	102	34	increase	increase	NOUN
ajsts-5819	102	35	in	in	ADP
ajsts-5819	102	36	long	long	ADJ
ajsts-5819	102	37	-	-	PUNCT
ajsts-5819	102	38	term	term	NOUN
ajsts-5819	102	39	supply	supply	NOUN
ajsts-5819	102	40	chain	chain	NOUN
ajsts-5819	102	41	performance	performance	NOUN
ajsts-5819	102	42	.	.	PUNCT
ajsts-5819	103	1	the	the	DET
ajsts-5819	103	2	absolute	absolute	ADJ
ajsts-5819	103	3	value	value	NOUN
ajsts-5819	103	4	of	of	ADP
ajsts-5819	103	5	the	the	DET
ajsts-5819	103	6	fin	fin	NOUN
ajsts-5819	103	7	coefficient	coefficient	NOUN
ajsts-5819	103	8	is	be	AUX
ajsts-5819	103	9	slightly	slightly	ADV
ajsts-5819	103	10	higher	high	ADJ
ajsts-5819	103	11	than	than	ADP
ajsts-5819	103	12	that	that	PRON
ajsts-5819	103	13	of	of	ADP
ajsts-5819	103	14	acc	acc	PROPN
ajsts-5819	103	15	,	,	PUNCT
ajsts-5819	103	16	so	so	SCONJ
ajsts-5819	103	17	there	there	PRON
ajsts-5819	103	18	is	be	VERB
ajsts-5819	103	19	the	the	DET
ajsts-5819	103	20	potential	potential	NOUN
ajsts-5819	103	21	that	that	SCONJ
ajsts-5819	103	22	better	well	ADJ
ajsts-5819	103	23	fintech	fintech	NOUN
ajsts-5819	103	24	adoption	adoption	NOUN
ajsts-5819	103	25	can	can	AUX
ajsts-5819	103	26	provide	provide	VERB
ajsts-5819	103	27	a	a	DET
ajsts-5819	103	28	slightly	slightly	ADV
ajsts-5819	103	29	greater	great	ADJ
ajsts-5819	103	30	long	long	ADJ
ajsts-5819	103	31	-	-	PUNCT
ajsts-5819	103	32	term	term	NOUN
ajsts-5819	103	33	improvement	improvement	NOUN
ajsts-5819	103	34	in	in	ADP
ajsts-5819	103	35	supply	supply	NOUN
ajsts-5819	103	36	chain	chain	NOUN
ajsts-5819	103	37	performance	performance	NOUN
ajsts-5819	103	38	than	than	SCONJ
ajsts-5819	103	39	would	would	AUX
ajsts-5819	103	40	an	an	DET
ajsts-5819	103	41	equal	equal	ADJ
ajsts-5819	103	42	improvement	improvement	NOUN
ajsts-5819	103	43	in	in	ADP
ajsts-5819	103	44	accounting	accounting	NOUN
ajsts-5819	103	45	efficiency	efficiency	NOUN
ajsts-5819	103	46	.	.	PUNCT
ajsts-5819	104	1	the	the	DET
ajsts-5819	104	2	constant	constant	ADJ
ajsts-5819	104	3	term	term	NOUN
ajsts-5819	104	4	is	be	AUX
ajsts-5819	104	5	also	also	ADV
ajsts-5819	104	6	greater	great	ADJ
ajsts-5819	104	7	than	than	ADP
ajsts-5819	104	8	zero	zero	NUM
ajsts-5819	104	9	and	and	CCONJ
ajsts-5819	104	10	significant	significant	ADJ
ajsts-5819	104	11	,	,	PUNCT
ajsts-5819	104	12	which	which	PRON
ajsts-5819	104	13	could	could	AUX
ajsts-5819	104	14	be	be	AUX
ajsts-5819	104	15	used	use	VERB
ajsts-5819	104	16	to	to	PART
ajsts-5819	104	17	capture	capture	VERB
ajsts-5819	104	18	other	other	ADJ
ajsts-5819	104	19	growth	growth	NOUN
ajsts-5819	104	20	patterns	pattern	NOUN
ajsts-5819	104	21	in	in	ADP
ajsts-5819	104	22	scp	scp	PROPN
ajsts-5819	104	23	when	when	SCONJ
ajsts-5819	104	24	fin	fin	NOUN
ajsts-5819	104	25	and	and	CCONJ
ajsts-5819	104	26	acc	acc	PROPN
ajsts-5819	104	27	would	would	AUX
ajsts-5819	104	28	be	be	AUX
ajsts-5819	104	29	at	at	ADP
ajsts-5819	104	30	their	their	PRON
ajsts-5819	104	31	means	mean	NOUN
ajsts-5819	104	32	or	or	CCONJ
ajsts-5819	104	33	base	base	NOUN
ajsts-5819	104	34	levels	level	NOUN
ajsts-5819	104	35	.	.	PUNCT
ajsts-5819	105	1	in	in	ADP
ajsts-5819	105	2	sum	sum	NOUN
ajsts-5819	105	3	,	,	PUNCT
ajsts-5819	105	4	these	these	DET
ajsts-5819	105	5	long	long	ADJ
ajsts-5819	105	6	-	-	PUNCT
ajsts-5819	105	7	term	term	NOUN
ajsts-5819	105	8	findings	finding	NOUN
ajsts-5819	105	9	emphasize	emphasize	VERB
ajsts-5819	105	10	the	the	DET
ajsts-5819	105	11	fact	fact	NOUN
ajsts-5819	105	12	that	that	SCONJ
ajsts-5819	105	13	improvement	improvement	NOUN
ajsts-5819	105	14	in	in	ADP
ajsts-5819	105	15	financial	financial	ADJ
ajsts-5819	105	16	technology	technology	NOUN
ajsts-5819	105	17	utilization	utilization	NOUN
ajsts-5819	105	18	and	and	CCONJ
ajsts-5819	105	19	efficiency	efficiency	NOUN
ajsts-5819	105	20	in	in	ADP
ajsts-5819	105	21	accounting	accounting	NOUN
ajsts-5819	105	22	procedures	procedure	NOUN
ajsts-5819	105	23	collectively	collectively	ADV
ajsts-5819	105	24	foster	foster	ADJ
ajsts-5819	105	25	logistics	logistic	NOUN
ajsts-5819	105	26	supply	supply	NOUN
ajsts-5819	105	27	chain	chain	NOUN
ajsts-5819	105	28	performance	performance	NOUN
ajsts-5819	105	29	in	in	ADP
ajsts-5819	105	30	nigeria	nigeria	PROPN
ajsts-5819	105	31	in	in	ADP
ajsts-5819	105	32	the	the	DET
ajsts-5819	105	33	long	long	ADJ
ajsts-5819	105	34	term	term	NOUN
ajsts-5819	105	35	.	.	PUNCT
ajsts-5819	106	1	table	table	NOUN
ajsts-5819	106	2	2	2	NUM
ajsts-5819	106	3	:	:	PUNCT
ajsts-5819	106	4	ardl	ardl	NOUN
ajsts-5819	106	5	bounds	bound	NOUN
ajsts-5819	106	6	test	test	VERB
ajsts-5819	106	7	for	for	ADP
ajsts-5819	106	8	cointegration	cointegration	NOUN
ajsts-5819	106	9	statistic	statistic	NOUN
ajsts-5819	106	10	value	value	NOUN
ajsts-5819	106	11	f	f	X
ajsts-5819	106	12	-	-	PUNCT
ajsts-5819	106	13	statistic	statistic	NOUN
ajsts-5819	106	14	7.24	7.24	NUM
ajsts-5819	106	15	critical	critical	ADJ
ajsts-5819	106	16	bound	bind	VERB
ajsts-5819	106	17	(	(	PUNCT
ajsts-5819	106	18	10	10	NUM
ajsts-5819	106	19	%	%	NOUN
ajsts-5819	106	20	)	)	PUNCT
ajsts-5819	106	21	2.72	2.72	NUM
ajsts-5819	106	22	–	–	PUNCT
ajsts-5819	106	23	3.77	3.77	NUM
ajsts-5819	106	24	critical	critical	ADJ
ajsts-5819	106	25	bound	bind	VERB
ajsts-5819	106	26	(	(	PUNCT
ajsts-5819	106	27	5	5	NUM
ajsts-5819	106	28	%	%	NOUN
ajsts-5819	106	29	)	)	PUNCT
ajsts-5819	106	30	3.23	3.23	NUM
ajsts-5819	106	31	–	–	PUNCT
ajsts-5819	106	32	4.35	4.35	NUM
ajsts-5819	106	33	critical	critical	ADJ
ajsts-5819	106	34	bound	bind	VERB
ajsts-5819	106	35	(	(	PUNCT
ajsts-5819	106	36	1	1	NUM
ajsts-5819	106	37	%	%	NOUN
ajsts-5819	106	38	)	)	PUNCT
ajsts-5819	106	39	4.29	4.29	NUM
ajsts-5819	106	40	–	–	PUNCT
ajsts-5819	106	41	5.61	5.61	NUM
ajsts-5819	106	42	source	source	NOUN
ajsts-5819	106	43	:	:	PUNCT
ajsts-5819	106	44	author	author	NOUN
ajsts-5819	106	45	’s	’s	PART
ajsts-5819	106	46	computation	computation	NOUN
ajsts-5819	106	47	using	use	VERB
ajsts-5819	106	48	eviews	eview	NOUN
ajsts-5819	106	49	.	.	PUNCT
ajsts-5819	107	1	table	table	NOUN
ajsts-5819	107	2	3	3	NUM
ajsts-5819	107	3	:	:	PUNCT
ajsts-5819	107	4	ardl	ardl	ADJ
ajsts-5819	107	5	long	long	ADV
ajsts-5819	107	6	-	-	PUNCT
ajsts-5819	107	7	run	run	NOUN
ajsts-5819	107	8	coefficient	coefficient	NOUN
ajsts-5819	107	9	estimates	estimate	NOUN
ajsts-5819	107	10	(	(	PUNCT
ajsts-5819	107	11	dependent	dependent	ADJ
ajsts-5819	107	12	variable	variable	NOUN
ajsts-5819	107	13	:	:	PUNCT
ajsts-5819	107	14	scp	scp	PROPN
ajsts-5819	107	15	)	)	PUNCT
ajsts-5819	107	16	variable	variable	ADJ
ajsts-5819	107	17	coefficient	coefficient	NOUN
ajsts-5819	107	18	std	std	PROPN
ajsts-5819	107	19	.	.	NOUN
ajsts-5819	107	20	error	error	NOUN
ajsts-5819	107	21	t	t	NOUN
ajsts-5819	107	22	-	-	PUNCT
ajsts-5819	107	23	stat	stat	NOUN
ajsts-5819	107	24	p	p	NOUN
ajsts-5819	107	25	-	-	PUNCT
ajsts-5819	107	26	value	value	NOUN
ajsts-5819	107	27	fin	fin	NOUN
ajsts-5819	107	28	0.42	0.42	NUM
ajsts-5819	107	29	*	*	PUNCT
ajsts-5819	107	30	*	*	PUNCT
ajsts-5819	107	31	*	*	PUNCT
ajsts-5819	107	32	0.10	0.10	NUM
ajsts-5819	107	33	4.20	4.20	NUM
ajsts-5819	107	34	0.001	0.001	NUM
ajsts-5819	107	35	acc	acc	NOUN
ajsts-5819	107	36	0.35	0.35	NUM
ajsts-5819	107	37	*	*	PUNCT
ajsts-5819	107	38	*	*	PUNCT
ajsts-5819	107	39	0.12	0.12	NUM
ajsts-5819	107	40	2.92	2.92	NUM
ajsts-5819	107	41	0.010	0.010	NUM
ajsts-5819	107	42	constant	constant	ADJ
ajsts-5819	107	43	1.15	1.15	NUM
ajsts-5819	107	44	*	*	SYM
ajsts-5819	107	45	0.50	0.50	NUM
ajsts-5819	107	46	2.30	2.30	NUM
ajsts-5819	107	47	0.040	0.040	NUM
ajsts-5819	107	48	source	source	NOUN
ajsts-5819	107	49	:	:	PUNCT
ajsts-5819	107	50	author	author	NOUN
ajsts-5819	107	51	’s	’s	PART
ajsts-5819	107	52	computation	computation	NOUN
ajsts-5819	107	53	using	use	VERB
ajsts-5819	107	54	eviews	eview	NOUN
ajsts-5819	107	55	.	.	PUNCT
ajsts-5819	108	1	moreover	moreover	ADV
ajsts-5819	108	2	,	,	PUNCT
ajsts-5819	108	3	table	table	NOUN
ajsts-5819	108	4	4	4	NUM
ajsts-5819	108	5	provides	provide	VERB
ajsts-5819	108	6	the	the	DET
ajsts-5819	108	7	short	short	ADJ
ajsts-5819	108	8	-	-	PUNCT
ajsts-5819	108	9	run	run	NOUN
ajsts-5819	108	10	dynamics	dynamic	NOUN
ajsts-5819	108	11	estimated	estimate	VERB
ajsts-5819	108	12	using	use	VERB
ajsts-5819	108	13	the	the	DET
ajsts-5819	108	14	error	error	NOUN
ajsts-5819	108	15	correction	correction	NOUN
ajsts-5819	108	16	model	model	NOUN
ajsts-5819	108	17	(	(	PUNCT
ajsts-5819	108	18	ecm	ecm	PROPN
ajsts-5819	108	19	)	)	PUNCT
ajsts-5819	108	20	.	.	PUNCT
ajsts-5819	109	1	the	the	DET
ajsts-5819	109	2	error	error	NOUN
ajsts-5819	109	3	correction	correction	NOUN
ajsts-5819	109	4	term	term	NOUN
ajsts-5819	109	5	(	(	PUNCT
ajsts-5819	109	6	ectt-1	ectt-1	PROPN
ajsts-5819	109	7	)	)	PUNCT
ajsts-5819	109	8	has	have	VERB
ajsts-5819	109	9	a	a	DET
ajsts-5819	109	10	negative	negative	ADJ
ajsts-5819	109	11	sign	sign	NOUN
ajsts-5819	109	12	as	as	SCONJ
ajsts-5819	109	13	expected	expect	VERB
ajsts-5819	109	14	(	(	PUNCT
ajsts-5819	109	15	-0.45	-0.45	NOUN
ajsts-5819	109	16	)	)	PUNCT
ajsts-5819	109	17	and	and	CCONJ
ajsts-5819	109	18	is	be	AUX
ajsts-5819	109	19	significant	significant	ADJ
ajsts-5819	109	20	(	(	PUNCT
ajsts-5819	109	21	p<0.01	p<0.01	PROPN
ajsts-5819	109	22	)	)	PUNCT
ajsts-5819	109	23	which	which	PRON
ajsts-5819	109	24	shows	show	VERB
ajsts-5819	109	25	that	that	SCONJ
ajsts-5819	109	26	the	the	DET
ajsts-5819	109	27	adjustment	adjustment	NOUN
ajsts-5819	109	28	process	process	NOUN
ajsts-5819	109	29	towards	towards	ADP
ajsts-5819	109	30	the	the	DET
ajsts-5819	109	31	longrun	longrun	PROPN
ajsts-5819	109	32	equilibrium	equilibrium	NOUN
ajsts-5819	109	33	occurs	occur	VERB
ajsts-5819	109	34	at	at	ADP
ajsts-5819	109	35	a	a	DET
ajsts-5819	109	36	rate	rate	NOUN
ajsts-5819	109	37	of	of	ADP
ajsts-5819	109	38	approximately	approximately	ADV
ajsts-5819	109	39	45	45	NUM
ajsts-5819	109	40	%	%	NOUN
ajsts-5819	109	41	per	per	ADP
ajsts-5819	109	42	period	period	NOUN
ajsts-5819	109	43	.	.	PUNCT
ajsts-5819	110	1	in	in	ADP
ajsts-5819	110	2	other	other	ADJ
ajsts-5819	110	3	words	word	NOUN
ajsts-5819	110	4	,	,	PUNCT
ajsts-5819	110	5	roughly	roughly	ADV
ajsts-5819	110	6	almost	almost	ADV
ajsts-5819	110	7	half	half	NOUN
ajsts-5819	110	8	of	of	ADP
ajsts-5819	110	9	any	any	DET
ajsts-5819	110	10	disequilibrium	disequilibrium	NOUN
ajsts-5819	110	11	in	in	ADP
ajsts-5819	110	12	supply	supply	NOUN
ajsts-5819	110	13	chain	chain	NOUN
ajsts-5819	110	14	performance	performance	NOUN
ajsts-5819	110	15	is	be	AUX
ajsts-5819	110	16	adjusted	adjust	VERB
ajsts-5819	110	17	in	in	ADP
ajsts-5819	110	18	the	the	DET
ajsts-5819	110	19	next	next	ADJ
ajsts-5819	110	20	period	period	NOUN
ajsts-5819	110	21	,	,	PUNCT
ajsts-5819	110	22	indicating	indicate	VERB
ajsts-5819	110	23	a	a	DET
ajsts-5819	110	24	fairly	fairly	ADV
ajsts-5819	110	25	rapid	rapid	ADJ
ajsts-5819	110	26	convergence	convergence	NOUN
ajsts-5819	110	27	to	to	ADP
ajsts-5819	110	28	the	the	DET
ajsts-5819	110	29	long	long	ADV
ajsts-5819	110	30	-	-	PUNCT
ajsts-5819	110	31	run	run	NOUN
ajsts-5819	110	32	path	path	NOUN
ajsts-5819	110	33	.	.	PUNCT
ajsts-5819	111	1	as	as	ADV
ajsts-5819	111	2	far	far	ADV
ajsts-5819	111	3	as	as	SCONJ
ajsts-5819	111	4	short	short	ADJ
ajsts-5819	111	5	-	-	PUNCT
ajsts-5819	111	6	run	run	NOUN
ajsts-5819	111	7	coefficients	coefficient	NOUN
ajsts-5819	111	8	are	be	AUX
ajsts-5819	111	9	concerned	concern	VERB
ajsts-5819	111	10	,	,	PUNCT
ajsts-5819	111	11	immediate	immediate	ADJ
ajsts-5819	111	12	variation	variation	NOUN
ajsts-5819	111	13	in	in	ADP
ajsts-5819	111	14	fintech	fintech	NOUN
ajsts-5819	111	15	adoption	adoption	NOUN
ajsts-5819	111	16	(	(	PUNCT
ajsts-5819	111	17	δfin	δfin	NOUN
ajsts-5819	111	18	)	)	PUNCT
ajsts-5819	111	19	produces	produce	VERB
ajsts-5819	111	20	a	a	DET
ajsts-5819	111	21	positive	positive	ADJ
ajsts-5819	111	22	yet	yet	ADV
ajsts-5819	111	23	insignificant	insignificant	ADJ
ajsts-5819	111	24	impact	impact	NOUN
ajsts-5819	111	25	on	on	ADP
ajsts-5819	111	26	short	short	ADJ
ajsts-5819	111	27	-	-	PUNCT
ajsts-5819	111	28	term	term	NOUN
ajsts-5819	111	29	improvements	improvement	NOUN
ajsts-5819	111	30	of	of	ADP
ajsts-5819	111	31	the	the	DET
ajsts-5819	111	32	supply	supply	NOUN
ajsts-5819	111	33	chain	chain	NOUN
ajsts-5819	111	34	performance	performance	NOUN
ajsts-5819	111	35	.	.	PUNCT
ajsts-5819	112	1	this	this	DET
ajsts-5819	112	2	insignificance	insignificance	NOUN
ajsts-5819	112	3	(	(	PUNCT
ajsts-5819	112	4	p=0.20	p=0.20	NOUN
ajsts-5819	112	5	)	)	PUNCT
ajsts-5819	112	6	indicates	indicate	VERB
ajsts-5819	112	7	that	that	SCONJ
ajsts-5819	112	8	the	the	DET
ajsts-5819	112	9	adoption	adoption	NOUN
ajsts-5819	112	10	of	of	ADP
ajsts-5819	112	11	fintech	fintech	NOUN
ajsts-5819	112	12	needs	need	VERB
ajsts-5819	112	13	time	time	NOUN
ajsts-5819	112	14	to	to	PART
ajsts-5819	112	15	be	be	AUX
ajsts-5819	112	16	reflected	reflect	VERB
ajsts-5819	112	17	in	in	ADP
ajsts-5819	112	18	the	the	DET
ajsts-5819	112	19	logistics	logistic	NOUN
ajsts-5819	112	20	supply	supply	NOUN
ajsts-5819	112	21	chain	chain	NOUN
ajsts-5819	112	22	in	in	ADP
ajsts-5819	112	23	terms	term	NOUN
ajsts-5819	112	24	of	of	ADP
ajsts-5819	112	25	performance	performance	NOUN
ajsts-5819	112	26	.	.	PUNCT
ajsts-5819	113	1	interestingly	interestingly	ADV
ajsts-5819	113	2	,	,	PUNCT
ajsts-5819	113	3	the	the	DET
ajsts-5819	113	4	lagged	lag	VERB
ajsts-5819	113	5	difference	difference	NOUN
ajsts-5819	113	6	in	in	ADP
ajsts-5819	113	7	the	the	DET
ajsts-5819	113	8	adoption	adoption	NOUN
ajsts-5819	113	9	of	of	ADP
ajsts-5819	113	10	fintech	fintech	NOUN
ajsts-5819	113	11	(	(	PUNCT
ajsts-5819	113	12	δ	δ	PROPN
ajsts-5819	113	13	-	-	PUNCT
ajsts-5819	113	14	fint-1	fint-1	PROPN
ajsts-5819	113	15	)	)	PUNCT
ajsts-5819	113	16	has	have	VERB
ajsts-5819	113	17	a	a	DET
ajsts-5819	113	18	very	very	ADV
ajsts-5819	113	19	small	small	ADJ
ajsts-5819	113	20	positive	positive	ADJ
ajsts-5819	113	21	impact	impact	NOUN
ajsts-5819	113	22	that	that	PRON
ajsts-5819	113	23	is	be	AUX
ajsts-5819	113	24	significant	significant	ADJ
ajsts-5819	113	25	at	at	ADP
ajsts-5819	113	26	the	the	DET
ajsts-5819	113	27	10	10	NUM
ajsts-5819	113	28	%	%	NOUN
ajsts-5819	113	29	level	level	NOUN
ajsts-5819	113	30	only	only	ADV
ajsts-5819	113	31	,	,	PUNCT
ajsts-5819	113	32	which	which	PRON
ajsts-5819	113	33	indicates	indicate	VERB
ajsts-5819	113	34	that	that	SCONJ
ajsts-5819	113	35	the	the	DET
ajsts-5819	113	36	improvements	improvement	NOUN
ajsts-5819	113	37	associated	associate	VERB
ajsts-5819	113	38	with	with	ADP
ajsts-5819	113	39	adopting	adopt	VERB
ajsts-5819	113	40	fintech	fintech	NOUN
ajsts-5819	113	41	might	might	AUX
ajsts-5819	113	42	become	become	VERB
ajsts-5819	113	43	a	a	DET
ajsts-5819	113	44	reality	reality	NOUN
ajsts-5819	113	45	with	with	ADP
ajsts-5819	113	46	a	a	DET
ajsts-5819	113	47	slight	slight	ADJ
ajsts-5819	113	48	time	time	NOUN
ajsts-5819	113	49	lag	lag	NOUN
ajsts-5819	113	50	.	.	PUNCT
ajsts-5819	114	1	conversely	conversely	ADV
ajsts-5819	114	2	,	,	PUNCT
ajsts-5819	114	3	accounting	accounting	NOUN
ajsts-5819	114	4	efficiency	efficiency	NOUN
ajsts-5819	114	5	changes	change	NOUN
ajsts-5819	114	6	express	express	VERB
ajsts-5819	114	7	more	more	ADJ
ajsts-5819	114	8	of	of	ADP
ajsts-5819	114	9	a	a	DET
ajsts-5819	114	10	short	short	ADJ
ajsts-5819	114	11	-	-	PUNCT
ajsts-5819	114	12	run	run	NOUN
ajsts-5819	114	13	effect	effect	NOUN
ajsts-5819	114	14	:	:	PUNCT
ajsts-5819	114	15	the	the	DET
ajsts-5819	114	16	first	first	ADJ
ajsts-5819	114	17	difference	difference	NOUN
ajsts-5819	114	18	of	of	ADP
ajsts-5819	114	19	acc	acc	PROPN
ajsts-5819	114	20	at	at	ADP
ajsts-5819	114	21	the	the	DET
ajsts-5819	114	22	same	same	ADJ
ajsts-5819	114	23	time	time	NOUN
ajsts-5819	114	24	(	(	PUNCT
ajsts-5819	114	25	coefficient	coefficient	NOUN
ajsts-5819	114	26	~0.10	~0.10	ADV
ajsts-5819	114	27	,	,	PUNCT
ajsts-5819	114	28	p	p	X
ajsts-5819	114	29	<	<	X
ajsts-5819	114	30	0.05	0.05	NUM
ajsts-5819	114	31	)	)	PUNCT
ajsts-5819	114	32	is	be	AUX
ajsts-5819	114	33	significant	significant	ADJ
ajsts-5819	114	34	and	and	CCONJ
ajsts-5819	114	35	positive	positive	ADJ
ajsts-5819	114	36	,	,	PUNCT
ajsts-5819	114	37	which	which	PRON
ajsts-5819	114	38	implies	imply	VERB
ajsts-5819	114	39	that	that	SCONJ
ajsts-5819	114	40	the	the	DET
ajsts-5819	114	41	positive	positive	ADJ
ajsts-5819	114	42	movement	movement	NOUN
ajsts-5819	114	43	in	in	ADP
ajsts-5819	114	44	accounting	accounting	NOUN
ajsts-5819	114	45	process	process	NOUN
ajsts-5819	114	46	efficiency	efficiency	NOUN
ajsts-5819	114	47	is	be	AUX
ajsts-5819	114	48	translated	translate	VERB
ajsts-5819	114	49	into	into	ADP
ajsts-5819	114	50	positive	positive	ADJ
ajsts-5819	114	51	supply	supply	NOUN
ajsts-5819	114	52	chain	chain	NOUN
ajsts-5819	114	53	performance	performance	NOUN
ajsts-5819	114	54	in	in	ADP
ajsts-5819	114	55	the	the	DET
ajsts-5819	114	56	short	short	ADJ
ajsts-5819	114	57	-	-	PUNCT
ajsts-5819	114	58	term	term	NOUN
ajsts-5819	114	59	perspective	perspective	NOUN
ajsts-5819	114	60	.	.	PUNCT
ajsts-5819	115	1	but	but	CCONJ
ajsts-5819	115	2	the	the	DET
ajsts-5819	115	3	lagged	lag	VERB
ajsts-5819	115	4	change	change	NOUN
ajsts-5819	115	5	in	in	ADP
ajsts-5819	115	6	acc	acc	PROPN
ajsts-5819	115	7	(	(	PUNCT
ajsts-5819	115	8	δacct-1	δacct-1	PROPN
ajsts-5819	115	9	)	)	PUNCT
ajsts-5819	115	10	does	do	AUX
ajsts-5819	115	11	not	not	PART
ajsts-5819	115	12	have	have	VERB
ajsts-5819	115	13	a	a	DET
ajsts-5819	115	14	significant	significant	ADJ
ajsts-5819	115	15	effect	effect	NOUN
ajsts-5819	115	16	and	and	CCONJ
ajsts-5819	115	17	this	this	PRON
ajsts-5819	115	18	indicates	indicate	VERB
ajsts-5819	115	19	that	that	SCONJ
ajsts-5819	115	20	the	the	DET
ajsts-5819	115	21	bulk	bulk	NOUN
ajsts-5819	115	22	of	of	ADP
ajsts-5819	115	23	the	the	DET
ajsts-5819	115	24	short	short	ADJ
ajsts-5819	115	25	-	-	PUNCT
ajsts-5819	115	26	term	term	NOUN
ajsts-5819	115	27	impact	impact	NOUN
ajsts-5819	115	28	of	of	ADP
ajsts-5819	115	29	accounting	accounting	NOUN
ajsts-5819	115	30	improvements	improvement	NOUN
ajsts-5819	115	31	is	be	AUX
ajsts-5819	115	32	achieved	achieve	VERB
ajsts-5819	115	33	in	in	ADP
ajsts-5819	115	34	the	the	DET
ajsts-5819	115	35	same	same	ADJ
ajsts-5819	115	36	period	period	NOUN
ajsts-5819	115	37	.	.	PUNCT
ajsts-5819	116	1	such	such	ADJ
ajsts-5819	116	2	short	short	ADJ
ajsts-5819	116	3	-	-	PUNCT
ajsts-5819	116	4	term	term	NOUN
ajsts-5819	116	5	outcomes	outcome	NOUN
ajsts-5819	116	6	provide	provide	VERB
ajsts-5819	116	7	a	a	DET
ajsts-5819	116	8	more	more	ADV
ajsts-5819	116	9	subtle	subtle	ADJ
ajsts-5819	116	10	view	view	NOUN
ajsts-5819	116	11	of	of	ADP
ajsts-5819	116	12	the	the	DET
ajsts-5819	116	13	current	current	ADJ
ajsts-5819	116	14	state	state	NOUN
ajsts-5819	116	15	of	of	ADP
ajsts-5819	116	16	affairs	affair	NOUN
ajsts-5819	116	17	:	:	PUNCT
ajsts-5819	116	18	though	though	SCONJ
ajsts-5819	116	19	fintech	fintech	NOUN
ajsts-5819	116	20	innovations	innovation	NOUN
ajsts-5819	116	21	are	be	AUX
ajsts-5819	116	22	of	of	ADP
ajsts-5819	116	23	paramount	paramount	ADJ
ajsts-5819	116	24	importance	importance	NOUN
ajsts-5819	116	25	,	,	PUNCT
ajsts-5819	116	26	they	they	PRON
ajsts-5819	116	27	might	might	AUX
ajsts-5819	116	28	not	not	PART
ajsts-5819	116	29	be	be	AUX
ajsts-5819	116	30	capable	capable	ADJ
ajsts-5819	116	31	of	of	ADP
ajsts-5819	116	32	enhancing	enhance	VERB
ajsts-5819	116	33	supply	supply	NOUN
ajsts-5819	116	34	chain	chain	NOUN
ajsts-5819	116	35	performance	performance	NOUN
ajsts-5819	116	36	immediately	immediately	ADV
ajsts-5819	116	37	,	,	PUNCT
ajsts-5819	116	38	whereas	whereas	SCONJ
ajsts-5819	116	39	increased	increase	VERB
ajsts-5819	116	40	efficiency	efficiency	NOUN
ajsts-5819	116	41	of	of	ADP
ajsts-5819	116	42	accounting	accounting	NOUN
ajsts-5819	116	43	can	can	AUX
ajsts-5819	116	44	bring	bring	VERB
ajsts-5819	116	45	faster	fast	ADJ
ajsts-5819	116	46	performance	performance	NOUN
ajsts-5819	116	47	improvements	improvement	NOUN
ajsts-5819	116	48	.	.	PUNCT
ajsts-5819	117	1	the	the	DET
ajsts-5819	117	2	strong	strong	ADJ
ajsts-5819	117	3	ect	ect	VERB
ajsts-5819	117	4	also	also	ADV
ajsts-5819	117	5	indicates	indicate	VERB
ajsts-5819	117	6	that	that	SCONJ
ajsts-5819	117	7	any	any	DET
ajsts-5819	117	8	temporary	temporary	ADJ
ajsts-5819	117	9	deviations	deviation	NOUN
ajsts-5819	117	10	are	be	AUX
ajsts-5819	117	11	short	short	ADJ
ajsts-5819	117	12	run	run	NOUN
ajsts-5819	117	13	as	as	SCONJ
ajsts-5819	117	14	the	the	DET
ajsts-5819	117	15	system	system	NOUN
ajsts-5819	117	16	itself	itself	PRON
ajsts-5819	117	17	adjusts	adjust	VERB
ajsts-5819	117	18	towards	towards	ADP
ajsts-5819	117	19	the	the	DET
ajsts-5819	117	20	long	long	ADV
ajsts-5819	117	21	-	-	PUNCT
ajsts-5819	117	22	run	run	NOUN
ajsts-5819	117	23	equilibrium	equilibrium	NOUN
ajsts-5819	117	24	between	between	ADP
ajsts-5819	117	25	fin	fin	PROPN
ajsts-5819	117	26	,	,	PUNCT
ajsts-5819	117	27	acc	acc	PROPN
ajsts-5819	117	28	,	,	PUNCT
ajsts-5819	117	29	and	and	CCONJ
ajsts-5819	117	30	scp	scp	PROPN
ajsts-5819	117	31	.	.	PUNCT
ajsts-5819	118	1	pa	pa	PROPN
ajsts-5819	118	2	ge	ge	PROPN
ajsts-5819	118	3	67	67	NUM
ajsts-5819	118	4	https://journals.e-palli.com/home/index.php/ajsts	https://journals.e-palli.com/home/index.php/ajst	NOUN
ajsts-5819	118	5	am	be	AUX
ajsts-5819	118	6	.	.	PUNCT
ajsts-5819	119	1	j.	j.	PROPN
ajsts-5819	119	2	smart	smart	PROPN
ajsts-5819	119	3	.	.	PUNCT
ajsts-5819	120	1	technol	technol	PROPN
ajsts-5819	120	2	.	.	PUNCT
ajsts-5819	120	3	solutions	solution	NOUN
ajsts-5819	120	4	4(2	4(2	NUM
ajsts-5819	120	5	)	)	PUNCT
ajsts-5819	120	6	63	63	NUM
ajsts-5819	120	7	-	-	SYM
ajsts-5819	120	8	69	69	NUM
ajsts-5819	120	9	,	,	PUNCT
ajsts-5819	120	10	2025	2025	NUM
ajsts-5819	120	11	supply	supply	NOUN
ajsts-5819	120	12	chain	chain	NOUN
ajsts-5819	120	13	performance	performance	NOUN
ajsts-5819	120	14	by	by	ADP
ajsts-5819	120	15	fintech	fintech	NOUN
ajsts-5819	120	16	adoption	adoption	NOUN
ajsts-5819	120	17	and	and	CCONJ
ajsts-5819	120	18	accounting	accounting	NOUN
ajsts-5819	120	19	efficiency	efficiency	NOUN
ajsts-5819	120	20	.	.	PUNCT
ajsts-5819	121	1	adjusted	adjust	VERB
ajsts-5819	121	2	r	r	NOUN
ajsts-5819	121	3	-	-	PUNCT
ajsts-5819	121	4	squared	square	VERB
ajsts-5819	121	5	(	(	PUNCT
ajsts-5819	121	6	0.72	0.72	NUM
ajsts-5819	121	7	)	)	PUNCT
ajsts-5819	121	8	is	be	AUX
ajsts-5819	121	9	also	also	ADV
ajsts-5819	121	10	high	high	ADJ
ajsts-5819	121	11	but	but	CCONJ
ajsts-5819	121	12	slightly	slightly	ADV
ajsts-5819	121	13	lower	low	ADJ
ajsts-5819	121	14	,	,	PUNCT
ajsts-5819	121	15	which	which	PRON
ajsts-5819	121	16	is	be	AUX
ajsts-5819	121	17	adjusted	adjust	VERB
ajsts-5819	121	18	to	to	ADP
ajsts-5819	121	19	degrees	degree	NOUN
ajsts-5819	121	20	of	of	ADP
ajsts-5819	121	21	freedom	freedom	NOUN
ajsts-5819	121	22	.	.	PUNCT
ajsts-5819	122	1	finally	finally	ADV
ajsts-5819	122	2	,	,	PUNCT
ajsts-5819	122	3	the	the	DET
ajsts-5819	122	4	durbin	durbin	ADJ
ajsts-5819	122	5	-	-	PUNCT
ajsts-5819	122	6	watson	watson	NOUN
ajsts-5819	122	7	statistic	statistic	NOUN
ajsts-5819	122	8	is	be	AUX
ajsts-5819	122	9	about	about	ADV
ajsts-5819	122	10	2.15	2.15	NUM
ajsts-5819	122	11	,	,	PUNCT
ajsts-5819	122	12	which	which	PRON
ajsts-5819	122	13	is	be	AUX
ajsts-5819	122	14	near	near	ADP
ajsts-5819	122	15	the	the	DET
ajsts-5819	122	16	optimal	optimal	ADJ
ajsts-5819	122	17	value	value	NOUN
ajsts-5819	122	18	of	of	ADP
ajsts-5819	122	19	2	2	NUM
ajsts-5819	122	20	and	and	CCONJ
ajsts-5819	122	21	supports	support	VERB
ajsts-5819	122	22	the	the	DET
ajsts-5819	122	23	conclusion	conclusion	NOUN
ajsts-5819	122	24	that	that	SCONJ
ajsts-5819	122	25	there	there	PRON
ajsts-5819	122	26	is	be	VERB
ajsts-5819	122	27	no	no	DET
ajsts-5819	122	28	autocorrelation	autocorrelation	NOUN
ajsts-5819	122	29	(	(	PUNCT
ajsts-5819	122	30	as	as	SCONJ
ajsts-5819	122	31	was	be	AUX
ajsts-5819	122	32	the	the	DET
ajsts-5819	122	33	case	case	NOUN
ajsts-5819	122	34	with	with	ADP
ajsts-5819	122	35	the	the	DET
ajsts-5819	122	36	lm	lm	PROPN
ajsts-5819	122	37	test	test	NOUN
ajsts-5819	122	38	)	)	PUNCT
ajsts-5819	122	39	.	.	PUNCT
ajsts-5819	123	1	on	on	ADP
ajsts-5819	123	2	the	the	DET
ajsts-5819	123	3	whole	whole	NOUN
ajsts-5819	123	4	,	,	PUNCT
ajsts-5819	123	5	these	these	DET
ajsts-5819	123	6	diagnostic	diagnostic	ADJ
ajsts-5819	123	7	tests	test	NOUN
ajsts-5819	123	8	indicate	indicate	VERB
ajsts-5819	123	9	that	that	SCONJ
ajsts-5819	123	10	the	the	DET
ajsts-5819	123	11	ardl	ardl	NOUN
ajsts-5819	123	12	model	model	NOUN
ajsts-5819	123	13	is	be	AUX
ajsts-5819	123	14	not	not	PART
ajsts-5819	123	15	misspecified	misspecifie	VERB
ajsts-5819	123	16	and	and	CCONJ
ajsts-5819	123	17	the	the	DET
ajsts-5819	123	18	results	result	NOUN
ajsts-5819	123	19	are	be	AUX
ajsts-5819	123	20	statistically	statistically	ADV
ajsts-5819	123	21	sound	sound	ADJ
ajsts-5819	123	22	.	.	PUNCT
ajsts-5819	124	1	any	any	DET
ajsts-5819	124	2	possible	possible	ADJ
ajsts-5819	124	3	problems	problem	NOUN
ajsts-5819	124	4	like	like	ADP
ajsts-5819	124	5	autocorrelation	autocorrelation	NOUN
ajsts-5819	124	6	,	,	PUNCT
ajsts-5819	124	7	heteroskedasticity	heteroskedasticity	NOUN
ajsts-5819	124	8	,	,	PUNCT
ajsts-5819	124	9	or	or	CCONJ
ajsts-5819	124	10	nonnormality	nonnormality	NOUN
ajsts-5819	124	11	seem	seem	VERB
ajsts-5819	124	12	not	not	PART
ajsts-5819	124	13	to	to	PART
ajsts-5819	124	14	have	have	VERB
ajsts-5819	124	15	a	a	DET
ajsts-5819	124	16	significant	significant	ADJ
ajsts-5819	124	17	impact	impact	NOUN
ajsts-5819	124	18	on	on	ADP
ajsts-5819	124	19	the	the	DET
ajsts-5819	124	20	findings	finding	NOUN
ajsts-5819	124	21	,	,	PUNCT
ajsts-5819	124	22	which	which	PRON
ajsts-5819	124	23	makes	make	VERB
ajsts-5819	124	24	the	the	DET
ajsts-5819	124	25	conclusion	conclusion	NOUN
ajsts-5819	124	26	that	that	SCONJ
ajsts-5819	124	27	the	the	DET
ajsts-5819	124	28	adoption	adoption	NOUN
ajsts-5819	124	29	of	of	ADP
ajsts-5819	124	30	fintech	fintech	NOUN
ajsts-5819	124	31	and	and	CCONJ
ajsts-5819	124	32	accounting	accounting	NOUN
ajsts-5819	124	33	efficiency	efficiency	NOUN
ajsts-5819	124	34	have	have	AUX
ajsts-5819	124	35	a	a	DET
ajsts-5819	124	36	material	material	ADJ
ajsts-5819	124	37	impact	impact	NOUN
ajsts-5819	124	38	on	on	ADP
ajsts-5819	124	39	the	the	DET
ajsts-5819	124	40	supply	supply	NOUN
ajsts-5819	124	41	chain	chain	NOUN
ajsts-5819	124	42	performance	performance	NOUN
ajsts-5819	124	43	of	of	ADP
ajsts-5819	124	44	the	the	DET
ajsts-5819	124	45	logistics	logistic	NOUN
ajsts-5819	124	46	industry	industry	NOUN
ajsts-5819	124	47	in	in	ADP
ajsts-5819	124	48	nigeria	nigeria	PROPN
ajsts-5819	124	49	plausible	plausible	ADJ
ajsts-5819	124	50	.	.	PUNCT
ajsts-5819	125	1	furthermore	furthermore	ADV
ajsts-5819	125	2	,	,	PUNCT
ajsts-5819	125	3	table	table	NOUN
ajsts-5819	125	4	5	5	NUM
ajsts-5819	125	5	shows	show	VERB
ajsts-5819	125	6	the	the	DET
ajsts-5819	125	7	outcomes	outcome	NOUN
ajsts-5819	125	8	of	of	ADP
ajsts-5819	125	9	different	different	ADJ
ajsts-5819	125	10	diagnostic	diagnostic	ADJ
ajsts-5819	125	11	tests	test	NOUN
ajsts-5819	125	12	that	that	PRON
ajsts-5819	125	13	were	be	AUX
ajsts-5819	125	14	used	use	VERB
ajsts-5819	125	15	to	to	PART
ajsts-5819	125	16	verify	verify	VERB
ajsts-5819	125	17	the	the	DET
ajsts-5819	125	18	validity	validity	NOUN
ajsts-5819	125	19	and	and	CCONJ
ajsts-5819	125	20	robustness	robustness	NOUN
ajsts-5819	125	21	of	of	ADP
ajsts-5819	125	22	the	the	DET
ajsts-5819	125	23	ardl	ardl	NOUN
ajsts-5819	125	24	model	model	NOUN
ajsts-5819	125	25	.	.	PUNCT
ajsts-5819	126	1	the	the	DET
ajsts-5819	126	2	breuschgodfrey	breuschgodfrey	PROPN
ajsts-5819	126	3	serial	serial	ADJ
ajsts-5819	126	4	correlation	correlation	NOUN
ajsts-5819	126	5	lm	lm	INTJ
ajsts-5819	126	6	test	test	NOUN
ajsts-5819	126	7	gives	give	VERB
ajsts-5819	126	8	a	a	DET
ajsts-5819	126	9	value	value	NOUN
ajsts-5819	126	10	of	of	ADP
ajsts-5819	126	11	1.35	1.35	NUM
ajsts-5819	126	12	and	and	CCONJ
ajsts-5819	126	13	p	p	NOUN
ajsts-5819	126	14	-	-	PUNCT
ajsts-5819	126	15	value	value	NOUN
ajsts-5819	126	16	of	of	ADP
ajsts-5819	126	17	0.26	0.26	NUM
ajsts-5819	126	18	,	,	PUNCT
ajsts-5819	126	19	which	which	PRON
ajsts-5819	126	20	means	mean	VERB
ajsts-5819	126	21	that	that	SCONJ
ajsts-5819	126	22	we	we	PRON
ajsts-5819	126	23	can	can	AUX
ajsts-5819	126	24	not	not	PART
ajsts-5819	126	25	reject	reject	VERB
ajsts-5819	126	26	the	the	DET
ajsts-5819	126	27	null	null	ADJ
ajsts-5819	126	28	hypothesis	hypothesis	NOUN
ajsts-5819	126	29	of	of	ADP
ajsts-5819	126	30	no	no	DET
ajsts-5819	126	31	autocorrelation	autocorrelation	NOUN
ajsts-5819	126	32	,	,	PUNCT
ajsts-5819	126	33	and	and	CCONJ
ajsts-5819	126	34	so	so	ADV
ajsts-5819	126	35	there	there	PRON
ajsts-5819	126	36	is	be	VERB
ajsts-5819	126	37	no	no	DET
ajsts-5819	126	38	evidence	evidence	NOUN
ajsts-5819	126	39	of	of	ADP
ajsts-5819	126	40	residual	residual	ADJ
ajsts-5819	126	41	serial	serial	ADJ
ajsts-5819	126	42	correlation	correlation	NOUN
ajsts-5819	126	43	in	in	ADP
ajsts-5819	126	44	the	the	DET
ajsts-5819	126	45	model	model	NOUN
ajsts-5819	126	46	.	.	PUNCT
ajsts-5819	127	1	breusch	breusch	PROPN
ajsts-5819	127	2	-	-	PUNCT
ajsts-5819	127	3	pagan	pagan	ADJ
ajsts-5819	127	4	test	test	NOUN
ajsts-5819	127	5	of	of	ADP
ajsts-5819	127	6	heteroskedasticity	heteroskedasticity	NOUN
ajsts-5819	127	7	yields	yield	VERB
ajsts-5819	127	8	a	a	DET
ajsts-5819	127	9	statistic	statistic	NOUN
ajsts-5819	127	10	of	of	ADP
ajsts-5819	127	11	0.97	0.97	NUM
ajsts-5819	127	12	(	(	PUNCT
ajsts-5819	127	13	p	p	X
ajsts-5819	127	14	=	=	NOUN
ajsts-5819	127	15	0.48	0.48	NUM
ajsts-5819	127	16	)	)	PUNCT
ajsts-5819	127	17	,	,	PUNCT
ajsts-5819	127	18	which	which	PRON
ajsts-5819	127	19	indicates	indicate	VERB
ajsts-5819	127	20	that	that	SCONJ
ajsts-5819	127	21	the	the	DET
ajsts-5819	127	22	residuals	residual	NOUN
ajsts-5819	127	23	are	be	AUX
ajsts-5819	127	24	homoskedastic	homoskedastic	ADJ
ajsts-5819	127	25	(	(	PUNCT
ajsts-5819	127	26	constant	constant	ADJ
ajsts-5819	127	27	variance	variance	NOUN
ajsts-5819	127	28	)	)	PUNCT
ajsts-5819	127	29	and	and	CCONJ
ajsts-5819	127	30	that	that	DET
ajsts-5819	127	31	heteroskedasticity	heteroskedasticity	NOUN
ajsts-5819	127	32	is	be	AUX
ajsts-5819	127	33	not	not	PART
ajsts-5819	127	34	an	an	DET
ajsts-5819	127	35	issue	issue	NOUN
ajsts-5819	127	36	.	.	PUNCT
ajsts-5819	128	1	the	the	DET
ajsts-5819	128	2	jarquebera	jarquebera	PROPN
ajsts-5819	128	3	normality	normality	NOUN
ajsts-5819	128	4	test	test	NOUN
ajsts-5819	128	5	(	(	PUNCT
ajsts-5819	128	6	jb	jb	PROPN
ajsts-5819	128	7	statistic	statistic	PROPN
ajsts-5819	128	8	=	=	PROPN
ajsts-5819	128	9	1.65	1.65	NUM
ajsts-5819	128	10	,	,	PUNCT
ajsts-5819	128	11	p	p	X
ajsts-5819	128	12	=	=	NOUN
ajsts-5819	128	13	0.44	0.44	NUM
ajsts-5819	128	14	)	)	PUNCT
ajsts-5819	128	15	also	also	ADV
ajsts-5819	128	16	indicates	indicate	VERB
ajsts-5819	128	17	that	that	SCONJ
ajsts-5819	128	18	the	the	DET
ajsts-5819	128	19	residuals	residual	NOUN
ajsts-5819	128	20	are	be	AUX
ajsts-5819	128	21	normally	normally	ADV
ajsts-5819	128	22	distributed	distribute	VERB
ajsts-5819	128	23	.	.	PUNCT
ajsts-5819	129	1	moreover	moreover	ADV
ajsts-5819	129	2	,	,	PUNCT
ajsts-5819	129	3	the	the	DET
ajsts-5819	129	4	model	model	NOUN
ajsts-5819	129	5	shows	show	VERB
ajsts-5819	129	6	a	a	DET
ajsts-5819	129	7	good	good	ADJ
ajsts-5819	129	8	fit	fit	NOUN
ajsts-5819	129	9	with	with	ADP
ajsts-5819	129	10	an	an	DET
ajsts-5819	129	11	r	r	NOUN
ajsts-5819	129	12	-	-	PUNCT
ajsts-5819	129	13	squared	square	VERB
ajsts-5819	129	14	of	of	ADP
ajsts-5819	129	15	approximately	approximately	ADV
ajsts-5819	129	16	0.78	0.78	NUM
ajsts-5819	129	17	,	,	PUNCT
ajsts-5819	129	18	which	which	PRON
ajsts-5819	129	19	implies	imply	VERB
ajsts-5819	129	20	that	that	SCONJ
ajsts-5819	129	21	the	the	DET
ajsts-5819	129	22	model	model	NOUN
ajsts-5819	129	23	explains	explain	VERB
ajsts-5819	129	24	approximately	approximately	ADV
ajsts-5819	129	25	78	78	NUM
ajsts-5819	129	26	percent	percent	NOUN
ajsts-5819	129	27	of	of	ADP
ajsts-5819	129	28	the	the	DET
ajsts-5819	129	29	variation	variation	NOUN
ajsts-5819	129	30	in	in	ADP
ajsts-5819	129	31	table	table	NOUN
ajsts-5819	129	32	4	4	NUM
ajsts-5819	129	33	:	:	PUNCT
ajsts-5819	129	34	short	short	ADJ
ajsts-5819	129	35	-	-	PUNCT
ajsts-5819	129	36	run	run	NOUN
ajsts-5819	129	37	error	error	NOUN
ajsts-5819	129	38	correction	correction	NOUN
ajsts-5819	129	39	model	model	NOUN
ajsts-5819	129	40	results	result	NOUN
ajsts-5819	129	41	(	(	PUNCT
ajsts-5819	129	42	dependent	dependent	ADJ
ajsts-5819	129	43	variable	variable	NOUN
ajsts-5819	129	44	:	:	PUNCT
ajsts-5819	129	45	δscp	δscp	ADJ
ajsts-5819	129	46	)	)	PUNCT
ajsts-5819	129	47	variable	variable	ADJ
ajsts-5819	129	48	coefficient	coefficient	NOUN
ajsts-5819	129	49	std	std	PROPN
ajsts-5819	129	50	.	.	NOUN
ajsts-5819	129	51	error	error	NOUN
ajsts-5819	129	52	t	t	NOUN
ajsts-5819	129	53	-	-	PUNCT
ajsts-5819	129	54	stat	stat	NOUN
ajsts-5819	129	55	p	p	NOUN
ajsts-5819	129	56	-	-	PUNCT
ajsts-5819	129	57	value	value	NOUN
ajsts-5819	129	58	ect{t-1	ect{t-1	NOUN
ajsts-5819	129	59	}	}	PUNCT
ajsts-5819	129	60	–	–	PUNCT
ajsts-5819	129	61	0.45	0.45	NUM
ajsts-5819	129	62	*	*	PUNCT
ajsts-5819	129	63	*	*	PUNCT
ajsts-5819	129	64	*	*	X
ajsts-5819	129	65	0.10	0.10	NUM
ajsts-5819	129	66	–	–	SYM
ajsts-5819	129	67	4.50	4.50	NUM
ajsts-5819	129	68	0.000	0.000	NUM
ajsts-5819	129	69	δfin	δfin	NOUN
ajsts-5819	129	70	0.04	0.04	NUM
ajsts-5819	129	71	0.03	0.03	NUM
ajsts-5819	129	72	1.33	1.33	NUM
ajsts-5819	129	73	0.200	0.200	NUM
ajsts-5819	129	74	δfin{t-1	δfin{t-1	NOUN
ajsts-5819	129	75	}	}	PUNCT
ajsts-5819	129	76	0.06	0.06	NUM
ajsts-5819	129	77	*	*	NOUN
ajsts-5819	129	78	0.03	0.03	NUM
ajsts-5819	129	79	1.90	1.90	NUM
ajsts-5819	129	80	0.070	0.070	NUM
ajsts-5819	129	81	δacc	δacc	NOUN
ajsts-5819	129	82	0.10	0.10	NUM
ajsts-5819	129	83	*	*	NOUN
ajsts-5819	129	84	*	*	PUNCT
ajsts-5819	129	85	0.04	0.04	NUM
ajsts-5819	129	86	2.50	2.50	NUM
ajsts-5819	129	87	0.018	0.018	NUM
ajsts-5819	129	88	δacc{t-1	δacc{t-1	PROPN
ajsts-5819	129	89	}	}	PUNCT
ajsts-5819	129	90	0.05	0.05	NUM
ajsts-5819	129	91	0.04	0.04	NUM
ajsts-5819	129	92	1.25	1.25	NUM
ajsts-5819	129	93	0.230	0.230	NUM
ajsts-5819	129	94	note	note	NOUN
ajsts-5819	129	95	:	:	PUNCT
ajsts-5819	129	96	*	*	PUNCT
ajsts-5819	129	97	*	*	PUNCT
ajsts-5819	129	98	*	*	PUNCT
ajsts-5819	129	99	p<0.01	p<0.01	PROPN
ajsts-5819	129	100	,	,	PUNCT
ajsts-5819	129	101	*	*	PUNCT
ajsts-5819	129	102	*	*	PUNCT
ajsts-5819	129	103	p<0.05	p<0.05	NOUN
ajsts-5819	129	104	,	,	PUNCT
ajsts-5819	129	105	*	*	SYM
ajsts-5819	129	106	p<0.1	p<0.1	NUM
ajsts-5819	129	107	(	(	PUNCT
ajsts-5819	129	108	two	two	NUM
ajsts-5819	129	109	-	-	PUNCT
ajsts-5819	129	110	tailed	tail	VERB
ajsts-5819	129	111	tests	test	NOUN
ajsts-5819	129	112	)	)	PUNCT
ajsts-5819	129	113	.	.	PUNCT
ajsts-5819	130	1	ect{t-1	ect{t-1	PROPN
ajsts-5819	130	2	}	}	PUNCT
ajsts-5819	130	3	is	be	AUX
ajsts-5819	130	4	the	the	DET
ajsts-5819	130	5	lagged	lag	VERB
ajsts-5819	130	6	error	error	NOUN
ajsts-5819	130	7	-	-	PUNCT
ajsts-5819	130	8	correction	correction	NOUN
ajsts-5819	130	9	term	term	NOUN
ajsts-5819	130	10	.	.	PUNCT
ajsts-5819	131	1	source	source	NOUN
ajsts-5819	131	2	:	:	PUNCT
ajsts-5819	131	3	author	author	NOUN
ajsts-5819	131	4	’s	’s	PART
ajsts-5819	131	5	computation	computation	NOUN
ajsts-5819	131	6	using	use	VERB
ajsts-5819	131	7	eviews	eview	NOUN
ajsts-5819	131	8	.	.	PUNCT
ajsts-5819	132	1	table	table	NOUN
ajsts-5819	132	2	5	5	NUM
ajsts-5819	132	3	:	:	PUNCT
ajsts-5819	132	4	diagnostic	diagnostic	ADJ
ajsts-5819	132	5	test	test	NOUN
ajsts-5819	132	6	results	result	NOUN
ajsts-5819	132	7	for	for	ADP
ajsts-5819	132	8	ardl	ardl	NOUN
ajsts-5819	132	9	model	model	NOUN
ajsts-5819	132	10	diagnostic	diagnostic	ADJ
ajsts-5819	132	11	test	test	NOUN
ajsts-5819	132	12	statistic	statistic	NOUN
ajsts-5819	132	13	p	p	NOUN
ajsts-5819	132	14	-	-	PUNCT
ajsts-5819	132	15	value	value	NOUN
ajsts-5819	132	16	serial	serial	ADJ
ajsts-5819	132	17	correlation	correlation	NOUN
ajsts-5819	132	18	(	(	PUNCT
ajsts-5819	132	19	lm	lm	INTJ
ajsts-5819	132	20	test	test	NOUN
ajsts-5819	132	21	)	)	PUNCT
ajsts-5819	132	22	1.35	1.35	NUM
ajsts-5819	132	23	0.26	0.26	NUM
ajsts-5819	132	24	heteroskedasticity	heteroskedasticity	NOUN
ajsts-5819	132	25	(	(	PUNCT
ajsts-5819	132	26	bp	bp	PROPN
ajsts-5819	132	27	test	test	NOUN
ajsts-5819	132	28	)	)	PUNCT
ajsts-5819	132	29	0.97	0.97	NUM
ajsts-5819	132	30	0.48	0.48	NUM
ajsts-5819	132	31	normality	normality	NOUN
ajsts-5819	132	32	(	(	PUNCT
ajsts-5819	132	33	jarque	jarque	NOUN
ajsts-5819	132	34	-	-	PUNCT
ajsts-5819	132	35	bera	bera	NOUN
ajsts-5819	132	36	)	)	PUNCT
ajsts-5819	132	37	1.65	1.65	NUM
ajsts-5819	132	38	0.44	0.44	NUM
ajsts-5819	132	39	r	r	NOUN
ajsts-5819	132	40	-	-	PUNCT
ajsts-5819	132	41	squared	square	VERB
ajsts-5819	132	42	0.78	0.78	NUM
ajsts-5819	132	43	–	–	PUNCT
ajsts-5819	132	44	adjusted	adjust	VERB
ajsts-5819	132	45	r	r	NOUN
ajsts-5819	132	46	-	-	PUNCT
ajsts-5819	132	47	squared	square	VERB
ajsts-5819	132	48	0.72	0.72	NUM
ajsts-5819	132	49	–	–	PUNCT
ajsts-5819	132	50	durbin	durbin	ADJ
ajsts-5819	132	51	-	-	PUNCT
ajsts-5819	132	52	watson	watson	NOUN
ajsts-5819	132	53	stat	stat	PROPN
ajsts-5819	132	54	2.15	2.15	NUM
ajsts-5819	132	55	–	–	PUNCT
ajsts-5819	132	56	source	source	NOUN
ajsts-5819	132	57	:	:	PUNCT
ajsts-5819	132	58	author	author	NOUN
ajsts-5819	132	59	’s	’s	PART
ajsts-5819	132	60	computation	computation	NOUN
ajsts-5819	132	61	using	use	VERB
ajsts-5819	132	62	eviews	eview	NOUN
ajsts-5819	132	63	.	.	PUNCT
ajsts-5819	133	1	discussion	discussion	NOUN
ajsts-5819	133	2	of	of	ADP
ajsts-5819	133	3	findings	finding	NOUN
ajsts-5819	133	4	and	and	CCONJ
ajsts-5819	133	5	test	test	NOUN
ajsts-5819	133	6	of	of	ADP
ajsts-5819	133	7	hypotheses	hypothesis	NOUN
ajsts-5819	133	8	the	the	DET
ajsts-5819	133	9	findings	finding	NOUN
ajsts-5819	133	10	of	of	ADP
ajsts-5819	133	11	this	this	DET
ajsts-5819	133	12	study	study	NOUN
ajsts-5819	133	13	are	be	AUX
ajsts-5819	133	14	evident	evident	ADJ
ajsts-5819	133	15	to	to	PART
ajsts-5819	133	16	show	show	VERB
ajsts-5819	133	17	that	that	SCONJ
ajsts-5819	133	18	fintech	fintech	NOUN
ajsts-5819	133	19	adoption	adoption	NOUN
ajsts-5819	133	20	and	and	CCONJ
ajsts-5819	133	21	accounting	accounting	NOUN
ajsts-5819	133	22	efficiency	efficiency	NOUN
ajsts-5819	133	23	have	have	VERB
ajsts-5819	133	24	a	a	DET
ajsts-5819	133	25	significant	significant	ADJ
ajsts-5819	133	26	impact	impact	NOUN
ajsts-5819	133	27	on	on	ADP
ajsts-5819	133	28	supply	supply	NOUN
ajsts-5819	133	29	chain	chain	NOUN
ajsts-5819	133	30	performance	performance	NOUN
ajsts-5819	133	31	in	in	ADP
ajsts-5819	133	32	the	the	DET
ajsts-5819	133	33	logistics	logistic	NOUN
ajsts-5819	133	34	industry	industry	NOUN
ajsts-5819	133	35	in	in	ADP
ajsts-5819	133	36	nigeria	nigeria	PROPN
ajsts-5819	133	37	.	.	PUNCT
ajsts-5819	134	1	table	table	NOUN
ajsts-5819	134	2	3	3	NUM
ajsts-5819	134	3	indicates	indicate	VERB
ajsts-5819	134	4	that	that	SCONJ
ajsts-5819	134	5	the	the	DET
ajsts-5819	134	6	long	long	ADV
ajsts-5819	134	7	-	-	PUNCT
ajsts-5819	134	8	run	run	NOUN
ajsts-5819	134	9	coefficients	coefficient	NOUN
ajsts-5819	134	10	of	of	ADP
ajsts-5819	134	11	fintech	fintech	NOUN
ajsts-5819	134	12	adoption	adoption	NOUN
ajsts-5819	134	13	are	be	AUX
ajsts-5819	134	14	statistically	statistically	ADV
ajsts-5819	134	15	significant	significant	ADJ
ajsts-5819	134	16	and	and	CCONJ
ajsts-5819	134	17	positive	positive	ADJ
ajsts-5819	134	18	(	(	PUNCT
ajsts-5819	134	19	0.42	0.42	NUM
ajsts-5819	134	20	,	,	PUNCT
ajsts-5819	134	21	p	p	X
ajsts-5819	134	22	<	<	X
ajsts-5819	134	23	0.01	0.01	NUM
ajsts-5819	134	24	)	)	PUNCT
ajsts-5819	134	25	,	,	PUNCT
ajsts-5819	134	26	which	which	PRON
ajsts-5819	134	27	is	be	AUX
ajsts-5819	134	28	consistent	consistent	ADJ
ajsts-5819	134	29	with	with	ADP
ajsts-5819	134	30	the	the	DET
ajsts-5819	134	31	existing	exist	VERB
ajsts-5819	134	32	literature	literature	NOUN
ajsts-5819	134	33	that	that	PRON
ajsts-5819	134	34	emphasizes	emphasize	VERB
ajsts-5819	134	35	the	the	DET
ajsts-5819	134	36	role	role	NOUN
ajsts-5819	134	37	of	of	ADP
ajsts-5819	134	38	digital	digital	ADJ
ajsts-5819	134	39	financial	financial	ADJ
ajsts-5819	134	40	systems	system	NOUN
ajsts-5819	134	41	in	in	ADP
ajsts-5819	134	42	simplifying	simplify	VERB
ajsts-5819	134	43	transaction	transaction	NOUN
ajsts-5819	134	44	processing	processing	NOUN
ajsts-5819	134	45	,	,	PUNCT
ajsts-5819	134	46	decreasing	decrease	VERB
ajsts-5819	134	47	payment	payment	NOUN
ajsts-5819	134	48	delays	delay	NOUN
ajsts-5819	134	49	,	,	PUNCT
ajsts-5819	134	50	and	and	CCONJ
ajsts-5819	134	51	enhancing	enhance	VERB
ajsts-5819	134	52	supply	supply	NOUN
ajsts-5819	134	53	chain	chain	NOUN
ajsts-5819	134	54	liquidity	liquidity	NOUN
ajsts-5819	134	55	(	(	PUNCT
ajsts-5819	134	56	gelsomino	gelsomino	PROPN
ajsts-5819	134	57	et	et	PROPN
ajsts-5819	134	58	al	al	PROPN
ajsts-5819	134	59	.	.	PROPN
ajsts-5819	134	60	,	,	PUNCT
ajsts-5819	134	61	2016	2016	NUM
ajsts-5819	134	62	;	;	PUNCT
ajsts-5819	134	63	wetzel	wetzel	PROPN
ajsts-5819	134	64	&	&	CCONJ
ajsts-5819	134	65	hofmann	hofmann	PROPN
ajsts-5819	134	66	,	,	PUNCT
ajsts-5819	134	67	2019	2019	NUM
ajsts-5819	134	68	;	;	PUNCT
ajsts-5819	134	69	onaseso	onaseso	NOUN
ajsts-5819	134	70	,	,	PUNCT
ajsts-5819	134	71	2021	2021	NUM
ajsts-5819	134	72	;	;	PUNCT
ajsts-5819	134	73	chanthati	chanthati	NOUN
ajsts-5819	134	74	,	,	PUNCT
ajsts-5819	134	75	2024	2024	NUM
ajsts-5819	134	76	)	)	PUNCT
ajsts-5819	134	77	.	.	PUNCT
ajsts-5819	135	1	the	the	DET
ajsts-5819	135	2	robustness	robustness	NOUN
ajsts-5819	135	3	of	of	ADP
ajsts-5819	135	4	this	this	DET
ajsts-5819	135	5	effect	effect	NOUN
ajsts-5819	135	6	shows	show	VERB
ajsts-5819	135	7	that	that	SCONJ
ajsts-5819	135	8	the	the	PRON
ajsts-5819	135	9	greater	great	ADJ
ajsts-5819	135	10	the	the	DET
ajsts-5819	135	11	use	use	NOUN
ajsts-5819	135	12	of	of	ADP
ajsts-5819	135	13	mobile	mobile	ADJ
ajsts-5819	135	14	payments	payment	NOUN
ajsts-5819	135	15	,	,	PUNCT
ajsts-5819	135	16	online	online	ADJ
ajsts-5819	135	17	invoicing	invoicing	NOUN
ajsts-5819	135	18	,	,	PUNCT
ajsts-5819	135	19	and	and	CCONJ
ajsts-5819	135	20	supply	supply	NOUN
ajsts-5819	135	21	chain	chain	NOUN
ajsts-5819	135	22	financing	financing	NOUN
ajsts-5819	135	23	tools	tool	NOUN
ajsts-5819	135	24	,	,	PUNCT
ajsts-5819	135	25	the	the	DET
ajsts-5819	135	26	more	more	ADV
ajsts-5819	135	27	significant	significant	ADJ
ajsts-5819	135	28	the	the	DET
ajsts-5819	135	29	logistics	logistic	NOUN
ajsts-5819	135	30	results	result	NOUN
ajsts-5819	135	31	will	will	AUX
ajsts-5819	135	32	be	be	AUX
ajsts-5819	135	33	in	in	ADP
ajsts-5819	135	34	the	the	DET
ajsts-5819	135	35	long	long	ADJ
ajsts-5819	135	36	term	term	NOUN
ajsts-5819	135	37	.	.	PUNCT
ajsts-5819	136	1	hypothesis	hypothesis	NOUN
ajsts-5819	136	2	2	2	NUM
ajsts-5819	136	3	is	be	AUX
ajsts-5819	136	4	thus	thus	ADV
ajsts-5819	136	5	rejected	reject	VERB
ajsts-5819	136	6	.	.	PUNCT
ajsts-5819	137	1	fintech	fintech	NOUN
ajsts-5819	137	2	adoption	adoption	NOUN
ajsts-5819	137	3	has	have	VERB
ajsts-5819	137	4	a	a	DET
ajsts-5819	137	5	significant	significant	ADJ
ajsts-5819	137	6	and	and	CCONJ
ajsts-5819	137	7	positive	positive	ADJ
ajsts-5819	137	8	impact	impact	NOUN
ajsts-5819	137	9	on	on	ADP
ajsts-5819	137	10	supply	supply	NOUN
ajsts-5819	137	11	chain	chain	NOUN
ajsts-5819	137	12	performance	performance	NOUN
ajsts-5819	137	13	.	.	PUNCT
ajsts-5819	138	1	furthermore	furthermore	ADV
ajsts-5819	138	2	,	,	PUNCT
ajsts-5819	138	3	there	there	PRON
ajsts-5819	138	4	is	be	VERB
ajsts-5819	138	5	also	also	ADV
ajsts-5819	138	6	a	a	DET
ajsts-5819	138	7	strong	strong	ADJ
ajsts-5819	138	8	long	long	ADJ
ajsts-5819	138	9	-	-	PUNCT
ajsts-5819	138	10	run	run	VERB
ajsts-5819	138	11	effect	effect	NOUN
ajsts-5819	138	12	of	of	ADP
ajsts-5819	138	13	accounting	accounting	NOUN
ajsts-5819	138	14	efficiency	efficiency	NOUN
ajsts-5819	138	15	on	on	ADP
ajsts-5819	138	16	supply	supply	NOUN
ajsts-5819	138	17	chain	chain	NOUN
ajsts-5819	138	18	performance	performance	NOUN
ajsts-5819	138	19	(	(	PUNCT
ajsts-5819	138	20	0.35	0.35	NUM
ajsts-5819	138	21	,	,	PUNCT
ajsts-5819	138	22	p	p	X
ajsts-5819	138	23	<	<	X
ajsts-5819	138	24	0.05	0.05	NUM
ajsts-5819	138	25	)	)	PUNCT
ajsts-5819	138	26	.	.	PUNCT
ajsts-5819	139	1	this	this	PRON
ajsts-5819	139	2	confirms	confirm	VERB
ajsts-5819	139	3	the	the	DET
ajsts-5819	139	4	argument	argument	NOUN
ajsts-5819	139	5	by	by	ADP
ajsts-5819	139	6	eze	eze	PROPN
ajsts-5819	139	7	et	et	PROPN
ajsts-5819	139	8	al	al	PROPN
ajsts-5819	139	9	.	.	PROPN
ajsts-5819	140	1	(	(	PUNCT
ajsts-5819	140	2	2024	2024	NUM
ajsts-5819	140	3	)	)	PUNCT
ajsts-5819	140	4	and	and	CCONJ
ajsts-5819	140	5	burdon	burdon	NOUN
ajsts-5819	140	6	and	and	CCONJ
ajsts-5819	140	7	sorour	sorour	NOUN
ajsts-5819	140	8	(	(	PUNCT
ajsts-5819	140	9	2020	2020	NUM
ajsts-5819	140	10	)	)	PUNCT
ajsts-5819	140	11	that	that	PRON
ajsts-5819	140	12	timely	timely	ADV
ajsts-5819	140	13	,	,	PUNCT
ajsts-5819	140	14	accurate	accurate	ADJ
ajsts-5819	140	15	,	,	PUNCT
ajsts-5819	140	16	and	and	CCONJ
ajsts-5819	140	17	standardized	standardized	ADJ
ajsts-5819	140	18	financial	financial	ADJ
ajsts-5819	140	19	reporting	reporting	NOUN
ajsts-5819	140	20	helps	help	VERB
ajsts-5819	140	21	in	in	ADP
ajsts-5819	140	22	making	make	VERB
ajsts-5819	140	23	better	well	ADJ
ajsts-5819	140	24	decisions	decision	NOUN
ajsts-5819	140	25	,	,	PUNCT
ajsts-5819	140	26	enhancing	enhance	VERB
ajsts-5819	140	27	supplier	supplier	NOUN
ajsts-5819	140	28	relationships	relationship	NOUN
ajsts-5819	140	29	,	,	PUNCT
ajsts-5819	140	30	and	and	CCONJ
ajsts-5819	140	31	minimizing	minimize	VERB
ajsts-5819	140	32	transaction	transaction	NOUN
ajsts-5819	140	33	uncertainty	uncertainty	NOUN
ajsts-5819	140	34	in	in	ADP
ajsts-5819	140	35	the	the	DET
ajsts-5819	140	36	logistics	logistic	NOUN
ajsts-5819	140	37	operations	operation	NOUN
ajsts-5819	140	38	.	.	PUNCT
ajsts-5819	141	1	that	that	SCONJ
ajsts-5819	141	2	this	this	DET
ajsts-5819	141	3	effect	effect	NOUN
ajsts-5819	141	4	is	be	AUX
ajsts-5819	141	5	a	a	DET
ajsts-5819	141	6	bit	bit	NOUN
ajsts-5819	141	7	less	less	ADJ
ajsts-5819	141	8	than	than	ADP
ajsts-5819	141	9	that	that	PRON
ajsts-5819	141	10	of	of	ADP
ajsts-5819	141	11	fintech	fintech	NOUN
ajsts-5819	141	12	may	may	AUX
ajsts-5819	141	13	indicate	indicate	VERB
ajsts-5819	141	14	the	the	DET
ajsts-5819	141	15	greater	great	ADJ
ajsts-5819	141	16	systemic	systemic	ADJ
ajsts-5819	141	17	scope	scope	NOUN
ajsts-5819	141	18	of	of	ADP
ajsts-5819	141	19	digital	digital	ADJ
ajsts-5819	141	20	platforms	platform	NOUN
ajsts-5819	141	21	,	,	PUNCT
ajsts-5819	141	22	but	but	CCONJ
ajsts-5819	141	23	the	the	DET
ajsts-5819	141	24	role	role	NOUN
ajsts-5819	141	25	of	of	ADP
ajsts-5819	141	26	internal	internal	ADJ
ajsts-5819	141	27	financial	financial	ADJ
ajsts-5819	141	28	management	management	NOUN
ajsts-5819	141	29	is	be	AUX
ajsts-5819	141	30	vital	vital	ADJ
ajsts-5819	141	31	to	to	ADP
ajsts-5819	141	32	operational	operational	ADJ
ajsts-5819	141	33	integrity	integrity	NOUN
ajsts-5819	141	34	and	and	CCONJ
ajsts-5819	141	35	plausibility	plausibility	NOUN
ajsts-5819	141	36	.	.	PUNCT
ajsts-5819	142	1	hypothesis	hypothesis	NOUN
ajsts-5819	142	2	1	1	NUM
ajsts-5819	142	3	is	be	AUX
ajsts-5819	142	4	also	also	ADV
ajsts-5819	142	5	rejected	reject	VERB
ajsts-5819	142	6	based	base	VERB
ajsts-5819	142	7	on	on	ADP
ajsts-5819	142	8	the	the	DET
ajsts-5819	142	9	important	important	ADJ
ajsts-5819	142	10	correlation	correlation	NOUN
ajsts-5819	142	11	between	between	ADP
ajsts-5819	142	12	fintech	fintech	NOUN
ajsts-5819	142	13	adoption	adoption	NOUN
ajsts-5819	142	14	and	and	CCONJ
ajsts-5819	142	15	accounting	accounting	NOUN
ajsts-5819	142	16	efficiency	efficiency	NOUN
ajsts-5819	142	17	that	that	PRON
ajsts-5819	142	18	the	the	DET
ajsts-5819	142	19	model	model	NOUN
ajsts-5819	142	20	suggests	suggest	VERB
ajsts-5819	142	21	.	.	PUNCT
ajsts-5819	143	1	the	the	DET
ajsts-5819	143	2	error	error	NOUN
ajsts-5819	143	3	correction	correction	NOUN
ajsts-5819	143	4	model	model	NOUN
ajsts-5819	143	5	(	(	PUNCT
ajsts-5819	143	6	ecm	ecm	NOUN
ajsts-5819	143	7	)	)	PUNCT
ajsts-5819	143	8	results	result	NOUN
ajsts-5819	143	9	in	in	ADP
ajsts-5819	143	10	table	table	NOUN
ajsts-5819	143	11	4	4	NUM
ajsts-5819	143	12	indicate	indicate	VERB
ajsts-5819	143	13	that	that	SCONJ
ajsts-5819	143	14	the	the	DET
ajsts-5819	143	15	speed	speed	NOUN
ajsts-5819	143	16	of	of	ADP
ajsts-5819	143	17	adjustment	adjustment	NOUN
ajsts-5819	143	18	to	to	ADP
ajsts-5819	143	19	equilibrium	equilibrium	NOUN
ajsts-5819	143	20	is	be	AUX
ajsts-5819	143	21	high	high	ADJ
ajsts-5819	143	22	(	(	PUNCT
ajsts-5819	143	23	ect	ect	X
ajsts-5819	143	24	=	=	NOUN
ajsts-5819	143	25	-0.45	-0.45	NOUN
ajsts-5819	143	26	,	,	PUNCT
ajsts-5819	143	27	p	p	X
ajsts-5819	143	28	<	<	X
ajsts-5819	143	29	0.01	0.01	NUM
ajsts-5819	143	30	)	)	PUNCT
ajsts-5819	143	31	,	,	PUNCT
ajsts-5819	143	32	so	so	SCONJ
ajsts-5819	143	33	deviations	deviation	NOUN
ajsts-5819	143	34	in	in	ADP
ajsts-5819	143	35	supply	supply	NOUN
ajsts-5819	143	36	chain	chain	NOUN
ajsts-5819	143	37	performance	performance	NOUN
ajsts-5819	143	38	with	with	ADP
ajsts-5819	143	39	its	its	PRON
ajsts-5819	143	40	long	long	ADJ
ajsts-5819	143	41	-	-	PUNCT
ajsts-5819	143	42	run	run	VERB
ajsts-5819	143	43	path	path	NOUN
ajsts-5819	143	44	are	be	AUX
ajsts-5819	143	45	corrected	correct	VERB
ajsts-5819	143	46	pa	pa	PROPN
ajsts-5819	143	47	ge	ge	PROPN
ajsts-5819	143	48	68	68	NUM
ajsts-5819	143	49	https://journals.e-palli.com/home/index.php/ajsts	https://journals.e-palli.com/home/index.php/ajst	NOUN
ajsts-5819	143	50	am	be	AUX
ajsts-5819	143	51	.	.	PUNCT
ajsts-5819	144	1	j.	j.	PROPN
ajsts-5819	144	2	smart	smart	PROPN
ajsts-5819	144	3	.	.	PUNCT
ajsts-5819	145	1	technol	technol	PROPN
ajsts-5819	145	2	.	.	PUNCT
ajsts-5819	145	3	solutions	solution	NOUN
ajsts-5819	145	4	4(2	4(2	NUM
ajsts-5819	145	5	)	)	PUNCT
ajsts-5819	145	6	63	63	NUM
ajsts-5819	145	7	-	-	SYM
ajsts-5819	145	8	69	69	NUM
ajsts-5819	145	9	,	,	PUNCT
ajsts-5819	145	10	2025	2025	NUM
ajsts-5819	145	11	almost	almost	ADV
ajsts-5819	145	12	by	by	ADP
ajsts-5819	145	13	half	half	NOUN
ajsts-5819	145	14	within	within	ADP
ajsts-5819	145	15	the	the	DET
ajsts-5819	145	16	next	next	ADJ
ajsts-5819	145	17	period	period	NOUN
ajsts-5819	145	18	.	.	PUNCT
ajsts-5819	146	1	this	this	DET
ajsts-5819	146	2	quick	quick	ADJ
ajsts-5819	146	3	adaptation	adaptation	NOUN
ajsts-5819	146	4	proves	prove	VERB
ajsts-5819	146	5	that	that	SCONJ
ajsts-5819	146	6	the	the	DET
ajsts-5819	146	7	logistics	logistic	NOUN
ajsts-5819	146	8	industry	industry	NOUN
ajsts-5819	146	9	of	of	ADP
ajsts-5819	146	10	nigeria	nigeria	PROPN
ajsts-5819	146	11	is	be	AUX
ajsts-5819	146	12	robust	robust	ADJ
ajsts-5819	146	13	with	with	ADP
ajsts-5819	146	14	the	the	DET
ajsts-5819	146	15	help	help	NOUN
ajsts-5819	146	16	of	of	ADP
ajsts-5819	146	17	fintech	fintech	NOUN
ajsts-5819	146	18	solutions	solution	NOUN
ajsts-5819	146	19	and	and	CCONJ
ajsts-5819	146	20	effective	effective	ADJ
ajsts-5819	146	21	accounting	accounting	NOUN
ajsts-5819	146	22	.	.	PUNCT
ajsts-5819	147	1	accounting	accounting	NOUN
ajsts-5819	147	2	efficiency	efficiency	NOUN
ajsts-5819	147	3	variability	variability	NOUN
ajsts-5819	147	4	(	(	PUNCT
ajsts-5819	147	5	0.10	0.10	NUM
ajsts-5819	147	6	,	,	PUNCT
ajsts-5819	147	7	p	p	X
ajsts-5819	147	8	<	<	X
ajsts-5819	147	9	0.05	0.05	NUM
ajsts-5819	147	10	)	)	PUNCT
ajsts-5819	147	11	is	be	AUX
ajsts-5819	147	12	significant	significant	ADJ
ajsts-5819	147	13	in	in	ADP
ajsts-5819	147	14	the	the	DET
ajsts-5819	147	15	short	short	ADJ
ajsts-5819	147	16	run	run	NOUN
ajsts-5819	147	17	as	as	ADV
ajsts-5819	147	18	well	well	ADV
ajsts-5819	147	19	,	,	PUNCT
ajsts-5819	147	20	proving	prove	VERB
ajsts-5819	147	21	that	that	SCONJ
ajsts-5819	147	22	gains	gain	NOUN
ajsts-5819	147	23	in	in	ADP
ajsts-5819	147	24	financial	financial	ADJ
ajsts-5819	147	25	controls	control	NOUN
ajsts-5819	147	26	and	and	CCONJ
ajsts-5819	147	27	reporting	report	VERB
ajsts-5819	147	28	velocity	velocity	NOUN
ajsts-5819	147	29	convert	convert	NOUN
ajsts-5819	147	30	into	into	ADP
ajsts-5819	147	31	operational	operational	ADJ
ajsts-5819	147	32	performance	performance	NOUN
ajsts-5819	147	33	rapidly	rapidly	ADV
ajsts-5819	147	34	.	.	PUNCT
ajsts-5819	148	1	this	this	DET
ajsts-5819	148	2	observation	observation	NOUN
ajsts-5819	148	3	is	be	AUX
ajsts-5819	148	4	consistent	consistent	ADJ
ajsts-5819	148	5	with	with	ADP
ajsts-5819	148	6	manzoor	manzoor	PROPN
ajsts-5819	148	7	et	et	PROPN
ajsts-5819	148	8	al	al	PROPN
ajsts-5819	148	9	.	.	PROPN
ajsts-5819	149	1	(	(	PUNCT
ajsts-5819	149	2	2021	2021	NUM
ajsts-5819	149	3	)	)	PUNCT
ajsts-5819	149	4	and	and	CCONJ
ajsts-5819	149	5	okafor	okafor	PROPN
ajsts-5819	149	6	and	and	CCONJ
ajsts-5819	149	7	egiyi	egiyi	ADV
ajsts-5819	149	8	,	,	PUNCT
ajsts-5819	149	9	(	(	PUNCT
ajsts-5819	149	10	2021	2021	NUM
ajsts-5819	149	11	)	)	PUNCT
ajsts-5819	149	12	,	,	PUNCT
ajsts-5819	149	13	who	who	PRON
ajsts-5819	149	14	pointed	point	VERB
ajsts-5819	149	15	out	out	ADP
ajsts-5819	149	16	that	that	SCONJ
ajsts-5819	149	17	strong	strong	ADJ
ajsts-5819	149	18	internal	internal	ADJ
ajsts-5819	149	19	systems	system	NOUN
ajsts-5819	149	20	enable	enable	VERB
ajsts-5819	149	21	organizations	organization	NOUN
ajsts-5819	149	22	to	to	PART
ajsts-5819	149	23	adjust	adjust	VERB
ajsts-5819	149	24	better	well	ADV
ajsts-5819	149	25	to	to	ADP
ajsts-5819	149	26	the	the	DET
ajsts-5819	149	27	shortterm	shortterm	NOUN
ajsts-5819	149	28	shocks	shock	NOUN
ajsts-5819	149	29	.	.	PUNCT
ajsts-5819	150	1	on	on	ADP
ajsts-5819	150	2	the	the	DET
ajsts-5819	150	3	other	other	ADJ
ajsts-5819	150	4	hand	hand	NOUN
ajsts-5819	150	5	,	,	PUNCT
ajsts-5819	150	6	the	the	DET
ajsts-5819	150	7	short	short	ADJ
ajsts-5819	150	8	-	-	PUNCT
ajsts-5819	150	9	run	run	NOUN
ajsts-5819	150	10	impact	impact	NOUN
ajsts-5819	150	11	of	of	ADP
ajsts-5819	150	12	the	the	DET
ajsts-5819	150	13	fintech	fintech	NOUN
ajsts-5819	150	14	adoption	adoption	NOUN
ajsts-5819	150	15	(	(	PUNCT
ajsts-5819	150	16	delta	delta	PROPN
ajsts-5819	150	17	fin	fin	NOUN
ajsts-5819	150	18	)	)	PUNCT
ajsts-5819	150	19	is	be	AUX
ajsts-5819	150	20	statistically	statistically	ADV
ajsts-5819	150	21	insignificant	insignificant	ADJ
ajsts-5819	150	22	at	at	ADP
ajsts-5819	150	23	traditional	traditional	ADJ
ajsts-5819	150	24	levels	level	NOUN
ajsts-5819	150	25	(	(	PUNCT
ajsts-5819	150	26	p	p	X
ajsts-5819	150	27	=	=	NOUN
ajsts-5819	150	28	0.20	0.20	NUM
ajsts-5819	150	29	)	)	PUNCT
ajsts-5819	150	30	,	,	PUNCT
ajsts-5819	150	31	but	but	CCONJ
ajsts-5819	150	32	the	the	DET
ajsts-5819	150	33	lagged	lag	VERB
ajsts-5819	150	34	impact	impact	NOUN
ajsts-5819	150	35	(	(	PUNCT
ajsts-5819	150	36	delta	delta	NOUN
ajsts-5819	150	37	fin{t-1	fin{t-1	NOUN
ajsts-5819	150	38	}	}	PUNCT
ajsts-5819	150	39	)	)	PUNCT
ajsts-5819	150	40	is	be	AUX
ajsts-5819	150	41	weakly	weakly	ADV
ajsts-5819	150	42	significant	significant	ADJ
ajsts-5819	150	43	at	at	ADP
ajsts-5819	150	44	10	10	NUM
ajsts-5819	150	45	percent	percent	NOUN
ajsts-5819	150	46	(	(	PUNCT
ajsts-5819	150	47	p	p	NOUN
ajsts-5819	150	48	=	=	NOUN
ajsts-5819	150	49	0.07	0.07	NUM
ajsts-5819	150	50	)	)	PUNCT
ajsts-5819	150	51	.	.	PUNCT
ajsts-5819	151	1	it	it	PRON
ajsts-5819	151	2	implies	imply	VERB
ajsts-5819	151	3	that	that	SCONJ
ajsts-5819	151	4	although	although	SCONJ
ajsts-5819	151	5	the	the	DET
ajsts-5819	151	6	long	long	ADJ
ajsts-5819	151	7	-	-	PUNCT
ajsts-5819	151	8	term	term	NOUN
ajsts-5819	151	9	effect	effect	NOUN
ajsts-5819	151	10	of	of	ADP
ajsts-5819	151	11	fintech	fintech	NOUN
ajsts-5819	151	12	is	be	AUX
ajsts-5819	151	13	significant	significant	ADJ
ajsts-5819	151	14	,	,	PUNCT
ajsts-5819	151	15	the	the	DET
ajsts-5819	151	16	advantages	advantage	NOUN
ajsts-5819	151	17	take	take	VERB
ajsts-5819	151	18	time	time	NOUN
ajsts-5819	151	19	to	to	PART
ajsts-5819	151	20	be	be	AUX
ajsts-5819	151	21	realized	realize	VERB
ajsts-5819	151	22	.	.	PUNCT
ajsts-5819	152	1	this	this	DET
ajsts-5819	152	2	time	time	NOUN
ajsts-5819	152	3	delay	delay	NOUN
ajsts-5819	152	4	can	can	AUX
ajsts-5819	152	5	be	be	AUX
ajsts-5819	152	6	attributed	attribute	VERB
ajsts-5819	152	7	to	to	ADP
ajsts-5819	152	8	the	the	DET
ajsts-5819	152	9	cost	cost	NOUN
ajsts-5819	152	10	of	of	ADP
ajsts-5819	152	11	adoption	adoption	NOUN
ajsts-5819	152	12	,	,	PUNCT
ajsts-5819	152	13	system	system	NOUN
ajsts-5819	152	14	integration	integration	NOUN
ajsts-5819	152	15	adjustment	adjustment	NOUN
ajsts-5819	152	16	times	time	NOUN
ajsts-5819	152	17	,	,	PUNCT
ajsts-5819	152	18	or	or	CCONJ
ajsts-5819	152	19	training	training	NOUN
ajsts-5819	152	20	needs	need	NOUN
ajsts-5819	152	21	prior	prior	ADV
ajsts-5819	152	22	to	to	ADP
ajsts-5819	152	23	achieving	achieve	VERB
ajsts-5819	152	24	the	the	DET
ajsts-5819	152	25	full	full	ADJ
ajsts-5819	152	26	benefits	benefit	NOUN
ajsts-5819	152	27	of	of	ADP
ajsts-5819	152	28	operation	operation	NOUN
ajsts-5819	152	29	(	(	PUNCT
ajsts-5819	152	30	akanbi	akanbi	NOUN
ajsts-5819	152	31	et	et	PROPN
ajsts-5819	152	32	al	al	PROPN
ajsts-5819	152	33	.	.	PROPN
ajsts-5819	152	34	,	,	PUNCT
ajsts-5819	152	35	2022	2022	NUM
ajsts-5819	152	36	;	;	PUNCT
ajsts-5819	152	37	okoye	okoye	PROPN
ajsts-5819	152	38	et	et	PROPN
ajsts-5819	152	39	al	al	PROPN
ajsts-5819	152	40	.	.	PROPN
ajsts-5819	152	41	,	,	PUNCT
ajsts-5819	152	42	2024	2024	NUM
ajsts-5819	152	43	)	)	PUNCT
ajsts-5819	152	44	.	.	PUNCT
ajsts-5819	153	1	in	in	ADP
ajsts-5819	153	2	addition	addition	NOUN
ajsts-5819	153	3	,	,	PUNCT
ajsts-5819	153	4	the	the	DET
ajsts-5819	153	5	model	model	NOUN
ajsts-5819	153	6	is	be	AUX
ajsts-5819	153	7	robust	robust	ADJ
ajsts-5819	153	8	as	as	SCONJ
ajsts-5819	153	9	indicated	indicate	VERB
ajsts-5819	153	10	by	by	ADP
ajsts-5819	153	11	the	the	DET
ajsts-5819	153	12	diagnostic	diagnostic	ADJ
ajsts-5819	153	13	test	test	NOUN
ajsts-5819	153	14	results	result	NOUN
ajsts-5819	153	15	in	in	ADP
ajsts-5819	153	16	table	table	NOUN
ajsts-5819	153	17	5	5	NUM
ajsts-5819	153	18	.	.	PUNCT
ajsts-5819	154	1	the	the	DET
ajsts-5819	154	2	lack	lack	NOUN
ajsts-5819	154	3	of	of	ADP
ajsts-5819	154	4	serial	serial	ADJ
ajsts-5819	154	5	correlation	correlation	NOUN
ajsts-5819	154	6	and	and	CCONJ
ajsts-5819	154	7	heteroskedasticity	heteroskedasticity	NOUN
ajsts-5819	154	8	,	,	PUNCT
ajsts-5819	154	9	together	together	ADV
ajsts-5819	154	10	with	with	ADP
ajsts-5819	154	11	the	the	DET
ajsts-5819	154	12	residuals	residual	NOUN
ajsts-5819	154	13	that	that	PRON
ajsts-5819	154	14	follow	follow	VERB
ajsts-5819	154	15	a	a	DET
ajsts-5819	154	16	normal	normal	ADJ
ajsts-5819	154	17	distribution	distribution	NOUN
ajsts-5819	154	18	,	,	PUNCT
ajsts-5819	154	19	imply	imply	VERB
ajsts-5819	154	20	that	that	SCONJ
ajsts-5819	154	21	the	the	DET
ajsts-5819	154	22	estimates	estimate	NOUN
ajsts-5819	154	23	are	be	AUX
ajsts-5819	154	24	unbiased	unbiased	ADJ
ajsts-5819	154	25	and	and	CCONJ
ajsts-5819	154	26	trustworthy	trustworthy	ADJ
ajsts-5819	154	27	.	.	PUNCT
ajsts-5819	155	1	the	the	DET
ajsts-5819	155	2	large	large	ADJ
ajsts-5819	155	3	r	r	NOUN
ajsts-5819	155	4	2	2	NUM
ajsts-5819	155	5	(	(	PUNCT
ajsts-5819	155	6	0.78	0.78	NUM
ajsts-5819	155	7	)	)	PUNCT
ajsts-5819	155	8	confirms	confirm	VERB
ajsts-5819	155	9	that	that	SCONJ
ajsts-5819	155	10	the	the	DET
ajsts-5819	155	11	model	model	NOUN
ajsts-5819	155	12	can	can	AUX
ajsts-5819	155	13	explain	explain	VERB
ajsts-5819	155	14	a	a	DET
ajsts-5819	155	15	large	large	ADJ
ajsts-5819	155	16	part	part	NOUN
ajsts-5819	155	17	of	of	ADP
ajsts-5819	155	18	the	the	DET
ajsts-5819	155	19	variance	variance	NOUN
ajsts-5819	155	20	in	in	ADP
ajsts-5819	155	21	supply	supply	NOUN
ajsts-5819	155	22	chain	chain	NOUN
ajsts-5819	155	23	performance	performance	NOUN
ajsts-5819	155	24	and	and	CCONJ
ajsts-5819	155	25	highlights	highlight	NOUN
ajsts-5819	155	26	the	the	DET
ajsts-5819	155	27	explanatory	explanatory	ADJ
ajsts-5819	155	28	capacity	capacity	NOUN
ajsts-5819	155	29	of	of	ADP
ajsts-5819	155	30	the	the	DET
ajsts-5819	155	31	chosen	choose	VERB
ajsts-5819	155	32	variables	variable	NOUN
ajsts-5819	155	33	.	.	PUNCT
ajsts-5819	156	1	these	these	DET
ajsts-5819	156	2	findings	finding	NOUN
ajsts-5819	156	3	support	support	VERB
ajsts-5819	156	4	the	the	DET
ajsts-5819	156	5	literature	literature	NOUN
ajsts-5819	156	6	that	that	PRON
ajsts-5819	156	7	claims	claim	VERB
ajsts-5819	156	8	the	the	DET
ajsts-5819	156	9	complementarity	complementarity	NOUN
ajsts-5819	156	10	of	of	ADP
ajsts-5819	156	11	fintech	fintech	NOUN
ajsts-5819	156	12	and	and	CCONJ
ajsts-5819	156	13	accounting	accounting	NOUN
ajsts-5819	156	14	systems	system	NOUN
ajsts-5819	156	15	in	in	ADP
ajsts-5819	156	16	facilitating	facilitate	VERB
ajsts-5819	156	17	logistics	logistic	NOUN
ajsts-5819	156	18	activities	activity	NOUN
ajsts-5819	156	19	(	(	PUNCT
ajsts-5819	156	20	harsono	harsono	PROPN
ajsts-5819	156	21	&	&	CCONJ
ajsts-5819	156	22	suprapti	suprapti	PROPN
ajsts-5819	156	23	,	,	PUNCT
ajsts-5819	156	24	2024	2024	NUM
ajsts-5819	156	25	;	;	PUNCT
ajsts-5819	156	26	traill	traill	NOUN
ajsts-5819	156	27	et	et	PROPN
ajsts-5819	156	28	al	al	PROPN
ajsts-5819	156	29	.	.	PROPN
ajsts-5819	156	30	,	,	PUNCT
ajsts-5819	156	31	2023	2023	NUM
ajsts-5819	156	32	)	)	PUNCT
ajsts-5819	156	33	.	.	PUNCT
ajsts-5819	157	1	fintech	fintech	NOUN
ajsts-5819	157	2	enables	enable	VERB
ajsts-5819	157	3	external	external	ADJ
ajsts-5819	157	4	financial	financial	ADJ
ajsts-5819	157	5	flows	flow	NOUN
ajsts-5819	157	6	throughout	throughout	ADP
ajsts-5819	157	7	the	the	DET
ajsts-5819	157	8	supply	supply	NOUN
ajsts-5819	157	9	chain	chain	NOUN
ajsts-5819	157	10	,	,	PUNCT
ajsts-5819	157	11	whereas	whereas	SCONJ
ajsts-5819	157	12	accounting	accounting	NOUN
ajsts-5819	157	13	efficiency	efficiency	NOUN
ajsts-5819	157	14	controls	control	VERB
ajsts-5819	157	15	internal	internal	ADJ
ajsts-5819	157	16	financial	financial	ADJ
ajsts-5819	157	17	flow	flow	NOUN
ajsts-5819	157	18	.	.	PUNCT
ajsts-5819	158	1	this	this	DET
ajsts-5819	158	2	interaction	interaction	NOUN
ajsts-5819	158	3	results	result	VERB
ajsts-5819	158	4	in	in	ADP
ajsts-5819	158	5	more	more	ADV
ajsts-5819	158	6	coordinated	coordinated	ADJ
ajsts-5819	158	7	procurement	procurement	NOUN
ajsts-5819	158	8	,	,	PUNCT
ajsts-5819	158	9	delivery	delivery	NOUN
ajsts-5819	158	10	and	and	CCONJ
ajsts-5819	158	11	payment	payment	NOUN
ajsts-5819	158	12	cycles	cycle	NOUN
ajsts-5819	158	13	.	.	PUNCT
ajsts-5819	159	1	conclusion	conclusion	NOUN
ajsts-5819	159	2	in	in	ADP
ajsts-5819	159	3	this	this	DET
ajsts-5819	159	4	research	research	NOUN
ajsts-5819	159	5	,	,	PUNCT
ajsts-5819	159	6	it	it	PRON
ajsts-5819	159	7	has	have	AUX
ajsts-5819	159	8	been	be	AUX
ajsts-5819	159	9	established	establish	VERB
ajsts-5819	159	10	that	that	PRON
ajsts-5819	159	11	fintech	fintech	NOUN
ajsts-5819	159	12	penetration	penetration	NOUN
ajsts-5819	159	13	and	and	CCONJ
ajsts-5819	159	14	accounting	accounting	NOUN
ajsts-5819	159	15	efficiencies	efficiency	NOUN
ajsts-5819	159	16	have	have	AUX
ajsts-5819	159	17	greatly	greatly	ADV
ajsts-5819	159	18	enhanced	enhance	VERB
ajsts-5819	159	19	supply	supply	NOUN
ajsts-5819	159	20	chain	chain	NOUN
ajsts-5819	159	21	performance	performance	NOUN
ajsts-5819	159	22	within	within	ADP
ajsts-5819	159	23	the	the	DET
ajsts-5819	159	24	nigerian	nigerian	ADJ
ajsts-5819	159	25	logistics	logistic	NOUN
ajsts-5819	159	26	industry	industry	NOUN
ajsts-5819	159	27	.	.	PUNCT
ajsts-5819	160	1	the	the	DET
ajsts-5819	160	2	study	study	NOUN
ajsts-5819	160	3	used	use	VERB
ajsts-5819	160	4	ardl	ardl	NOUN
ajsts-5819	160	5	cointegration	cointegration	NOUN
ajsts-5819	160	6	analysis	analysis	NOUN
ajsts-5819	160	7	to	to	PART
ajsts-5819	160	8	determine	determine	VERB
ajsts-5819	160	9	that	that	DET
ajsts-5819	160	10	fintech	fintech	NOUN
ajsts-5819	160	11	tools	tool	NOUN
ajsts-5819	160	12	,	,	PUNCT
ajsts-5819	160	13	including	include	VERB
ajsts-5819	160	14	digital	digital	ADJ
ajsts-5819	160	15	payments	payment	NOUN
ajsts-5819	160	16	and	and	CCONJ
ajsts-5819	160	17	supply	supply	NOUN
ajsts-5819	160	18	chain	chain	NOUN
ajsts-5819	160	19	finance	finance	NOUN
ajsts-5819	160	20	platforms	platform	NOUN
ajsts-5819	160	21	,	,	PUNCT
ajsts-5819	160	22	have	have	VERB
ajsts-5819	160	23	a	a	DET
ajsts-5819	160	24	positive	positive	ADJ
ajsts-5819	160	25	effect	effect	NOUN
ajsts-5819	160	26	on	on	ADP
ajsts-5819	160	27	logistics	logistic	NOUN
ajsts-5819	160	28	performance	performance	NOUN
ajsts-5819	160	29	,	,	PUNCT
ajsts-5819	160	30	accelerating	accelerate	VERB
ajsts-5819	160	31	financial	financial	ADJ
ajsts-5819	160	32	transactions	transaction	NOUN
ajsts-5819	160	33	and	and	CCONJ
ajsts-5819	160	34	minimizing	minimize	VERB
ajsts-5819	160	35	friction	friction	NOUN
ajsts-5819	160	36	.	.	PUNCT
ajsts-5819	161	1	on	on	ADP
ajsts-5819	161	2	the	the	DET
ajsts-5819	161	3	same	same	ADJ
ajsts-5819	161	4	note	note	NOUN
ajsts-5819	161	5	,	,	PUNCT
ajsts-5819	161	6	effective	effective	ADJ
ajsts-5819	161	7	accounting	accounting	NOUN
ajsts-5819	161	8	procedures	procedure	NOUN
ajsts-5819	161	9	increase	increase	VERB
ajsts-5819	161	10	the	the	DET
ajsts-5819	161	11	effect	effect	NOUN
ajsts-5819	161	12	by	by	ADP
ajsts-5819	161	13	boosting	boost	VERB
ajsts-5819	161	14	reporting	reporting	NOUN
ajsts-5819	161	15	accuracy	accuracy	NOUN
ajsts-5819	161	16	and	and	CCONJ
ajsts-5819	161	17	financial	financial	ADJ
ajsts-5819	161	18	coordination	coordination	NOUN
ajsts-5819	161	19	.	.	PUNCT
ajsts-5819	162	1	they	they	PRON
ajsts-5819	162	2	are	be	AUX
ajsts-5819	162	3	a	a	DET
ajsts-5819	162	4	combination	combination	NOUN
ajsts-5819	162	5	that	that	PRON
ajsts-5819	162	6	can	can	AUX
ajsts-5819	162	7	help	help	VERB
ajsts-5819	162	8	build	build	VERB
ajsts-5819	162	9	a	a	DET
ajsts-5819	162	10	solid	solid	ADJ
ajsts-5819	162	11	base	base	NOUN
ajsts-5819	162	12	of	of	ADP
ajsts-5819	162	13	supply	supply	NOUN
ajsts-5819	162	14	chain	chain	NOUN
ajsts-5819	162	15	responsiveness	responsiveness	NOUN
ajsts-5819	162	16	.	.	PUNCT
ajsts-5819	163	1	the	the	DET
ajsts-5819	163	2	high	high	ADJ
ajsts-5819	163	3	rate	rate	NOUN
ajsts-5819	163	4	of	of	ADP
ajsts-5819	163	5	adaptation	adaptation	NOUN
ajsts-5819	163	6	depicted	depict	VERB
ajsts-5819	163	7	in	in	ADP
ajsts-5819	163	8	the	the	DET
ajsts-5819	163	9	model	model	NOUN
ajsts-5819	163	10	implies	imply	VERB
ajsts-5819	163	11	that	that	SCONJ
ajsts-5819	163	12	systems	system	NOUN
ajsts-5819	163	13	that	that	PRON
ajsts-5819	163	14	rely	rely	VERB
ajsts-5819	163	15	on	on	ADP
ajsts-5819	163	16	fintech	fintech	NOUN
ajsts-5819	163	17	and	and	CCONJ
ajsts-5819	163	18	good	good	ADJ
ajsts-5819	163	19	accounting	accounting	NOUN
ajsts-5819	163	20	are	be	AUX
ajsts-5819	163	21	able	able	ADJ
ajsts-5819	163	22	to	to	PART
ajsts-5819	163	23	recover	recover	VERB
ajsts-5819	163	24	fast	fast	ADV
ajsts-5819	163	25	when	when	SCONJ
ajsts-5819	163	26	disruptions	disruption	NOUN
ajsts-5819	163	27	arise	arise	VERB
ajsts-5819	163	28	.	.	PUNCT
ajsts-5819	164	1	thus	thus	ADV
ajsts-5819	164	2	,	,	PUNCT
ajsts-5819	164	3	fintech	fintech	NOUN
ajsts-5819	164	4	in	in	ADP
ajsts-5819	164	5	nigeria	nigeria	PROPN
ajsts-5819	164	6	is	be	AUX
ajsts-5819	164	7	no	no	ADV
ajsts-5819	164	8	longer	long	ADV
ajsts-5819	164	9	experimental	experimental	ADJ
ajsts-5819	164	10	-	-	PUNCT
ajsts-5819	164	11	it	it	PRON
ajsts-5819	164	12	is	be	AUX
ajsts-5819	164	13	an	an	DET
ajsts-5819	164	14	operational	operational	ADJ
ajsts-5819	164	15	efficiency	efficiency	NOUN
ajsts-5819	164	16	tool	tool	NOUN
ajsts-5819	164	17	.	.	PUNCT
ajsts-5819	165	1	when	when	SCONJ
ajsts-5819	165	2	digitized	digitize	VERB
ajsts-5819	165	3	and	and	CCONJ
ajsts-5819	165	4	properly	properly	ADV
ajsts-5819	165	5	managed	manage	VERB
ajsts-5819	165	6	,	,	PUNCT
ajsts-5819	165	7	accounting	accounting	NOUN
ajsts-5819	165	8	systems	system	NOUN
ajsts-5819	165	9	maximize	maximize	VERB
ajsts-5819	165	10	on	on	ADP
ajsts-5819	165	11	the	the	DET
ajsts-5819	165	12	benefits	benefit	NOUN
ajsts-5819	165	13	of	of	ADP
ajsts-5819	165	14	digital	digital	ADJ
ajsts-5819	165	15	finance	finance	NOUN
ajsts-5819	165	16	.	.	PUNCT
ajsts-5819	166	1	this	this	PRON
ajsts-5819	166	2	supports	support	VERB
ajsts-5819	166	3	the	the	DET
ajsts-5819	166	4	necessity	necessity	NOUN
ajsts-5819	166	5	to	to	PART
ajsts-5819	166	6	combine	combine	VERB
ajsts-5819	166	7	financial	financial	ADJ
ajsts-5819	166	8	systems	system	NOUN
ajsts-5819	166	9	and	and	CCONJ
ajsts-5819	166	10	logistics	logistic	NOUN
ajsts-5819	166	11	processes	process	NOUN
ajsts-5819	166	12	to	to	PART
ajsts-5819	166	13	obtain	obtain	VERB
ajsts-5819	166	14	national	national	ADJ
ajsts-5819	166	15	development	development	NOUN
ajsts-5819	166	16	objectives	objective	NOUN
ajsts-5819	166	17	and	and	CCONJ
ajsts-5819	166	18	competitive	competitive	ADJ
ajsts-5819	166	19	advantage	advantage	NOUN
ajsts-5819	166	20	.	.	PUNCT
ajsts-5819	167	1	recommendations	recommendation	NOUN
ajsts-5819	167	2	•	•	NOUN
ajsts-5819	167	3	for	for	ADP
ajsts-5819	167	4	logistics	logistic	NOUN
ajsts-5819	167	5	firms	firm	NOUN
ajsts-5819	167	6	:	:	PUNCT
ajsts-5819	167	7	invest	invest	VERB
ajsts-5819	167	8	in	in	ADP
ajsts-5819	167	9	digital	digital	ADJ
ajsts-5819	167	10	financial	financial	ADJ
ajsts-5819	167	11	tools	tool	NOUN
ajsts-5819	167	12	like	like	ADP
ajsts-5819	167	13	mobile	mobile	ADJ
ajsts-5819	167	14	payments	payment	NOUN
ajsts-5819	167	15	and	and	CCONJ
ajsts-5819	167	16	online	online	ADJ
ajsts-5819	167	17	invoicing	invoicing	NOUN
ajsts-5819	167	18	,	,	PUNCT
ajsts-5819	167	19	and	and	CCONJ
ajsts-5819	167	20	in	in	ADP
ajsts-5819	167	21	modern	modern	ADJ
ajsts-5819	167	22	accounting	accounting	NOUN
ajsts-5819	167	23	software	software	NOUN
ajsts-5819	167	24	such	such	ADJ
ajsts-5819	167	25	as	as	ADP
ajsts-5819	167	26	cloud	cloud	NOUN
ajsts-5819	167	27	-	-	PUNCT
ajsts-5819	167	28	based	base	VERB
ajsts-5819	167	29	erps	erps	PROPN
ajsts-5819	167	30	.	.	PUNCT
ajsts-5819	168	1	train	train	VERB
ajsts-5819	168	2	financial	financial	ADJ
ajsts-5819	168	3	staffs	staff	NOUN
ajsts-5819	168	4	on	on	ADP
ajsts-5819	168	5	how	how	SCONJ
ajsts-5819	168	6	to	to	PART
ajsts-5819	168	7	handle	handle	VERB
ajsts-5819	168	8	online	online	ADJ
ajsts-5819	168	9	payments	payment	NOUN
ajsts-5819	168	10	.	.	PUNCT
ajsts-5819	169	1	smes	sme	NOUN
ajsts-5819	169	2	ought	ought	AUX
ajsts-5819	169	3	to	to	PART
ajsts-5819	169	4	embrace	embrace	VERB
ajsts-5819	169	5	convenient	convenient	ADJ
ajsts-5819	169	6	fintech	fintech	NOUN
ajsts-5819	169	7	applications	application	NOUN
ajsts-5819	169	8	to	to	PART
ajsts-5819	169	9	monitor	monitor	VERB
ajsts-5819	169	10	finances	finance	NOUN
ajsts-5819	169	11	and	and	CCONJ
ajsts-5819	169	12	payments	payment	NOUN
ajsts-5819	169	13	.	.	PUNCT
ajsts-5819	170	1	•	•	NUM
ajsts-5819	170	2	for	for	ADP
ajsts-5819	170	3	policymakers	policymaker	NOUN
ajsts-5819	170	4	:	:	PUNCT
ajsts-5819	170	5	the	the	DET
ajsts-5819	170	6	central	central	ADJ
ajsts-5819	170	7	bank	bank	NOUN
ajsts-5819	170	8	and	and	CCONJ
ajsts-5819	170	9	other	other	ADJ
ajsts-5819	170	10	pertinent	pertinent	ADJ
ajsts-5819	170	11	agencies	agency	NOUN
ajsts-5819	170	12	must	must	AUX
ajsts-5819	170	13	enhance	enhance	VERB
ajsts-5819	170	14	the	the	DET
ajsts-5819	170	15	digital	digital	ADJ
ajsts-5819	170	16	infrastructure	infrastructure	NOUN
ajsts-5819	170	17	within	within	ADP
ajsts-5819	170	18	the	the	DET
ajsts-5819	170	19	logistics	logistic	NOUN
ajsts-5819	170	20	hubs	hub	NOUN
ajsts-5819	170	21	.	.	PUNCT
ajsts-5819	171	1	regulations	regulation	NOUN
ajsts-5819	171	2	should	should	AUX
ajsts-5819	171	3	guarantee	guarantee	VERB
ajsts-5819	171	4	the	the	DET
ajsts-5819	171	5	safety	safety	NOUN
ajsts-5819	171	6	and	and	CCONJ
ajsts-5819	171	7	compatibility	compatibility	NOUN
ajsts-5819	171	8	of	of	ADP
ajsts-5819	171	9	fintech	fintech	NOUN
ajsts-5819	171	10	platforms	platform	NOUN
ajsts-5819	171	11	.	.	PUNCT
ajsts-5819	172	1	to	to	PART
ajsts-5819	172	2	facilitate	facilitate	VERB
ajsts-5819	172	3	implementation	implementation	NOUN
ajsts-5819	172	4	,	,	PUNCT
ajsts-5819	172	5	provide	provide	VERB
ajsts-5819	172	6	tax	tax	NOUN
ajsts-5819	172	7	incentives	incentive	NOUN
ajsts-5819	172	8	to	to	ADP
ajsts-5819	172	9	smes	sme	NOUN
ajsts-5819	172	10	which	which	PRON
ajsts-5819	172	11	adopt	adopt	VERB
ajsts-5819	172	12	e	e	NOUN
ajsts-5819	172	13	-	-	ADJ
ajsts-5819	172	14	accounting	accounting	ADJ
ajsts-5819	172	15	systems	system	NOUN
ajsts-5819	172	16	.	.	PUNCT
ajsts-5819	173	1	blockchain	blockchain	PROPN
ajsts-5819	173	2	and	and	CCONJ
ajsts-5819	173	3	ai	ai	PROPN
ajsts-5819	173	4	pilot	pilot	NOUN
ajsts-5819	173	5	projects	project	NOUN
ajsts-5819	173	6	can	can	AUX
ajsts-5819	173	7	be	be	AUX
ajsts-5819	173	8	facilitated	facilitate	VERB
ajsts-5819	173	9	with	with	ADP
ajsts-5819	173	10	a	a	DET
ajsts-5819	173	11	public	public	ADJ
ajsts-5819	173	12	-	-	PUNCT
ajsts-5819	173	13	private	private	ADJ
ajsts-5819	173	14	such	such	ADJ
ajsts-5819	173	15	as	as	ADP
ajsts-5819	173	16	“	"	PUNCT
ajsts-5819	173	17	logistics	logistic	NOUN
ajsts-5819	173	18	fintech	fintech	NOUN
ajsts-5819	173	19	innovation	innovation	NOUN
ajsts-5819	173	20	fund	fund	PROPN
ajsts-5819	173	21	”	"	PUNCT
ajsts-5819	173	22	.	.	PUNCT
ajsts-5819	174	1	•	•	NUM
ajsts-5819	174	2	for	for	ADP
ajsts-5819	174	3	researchers	researcher	NOUN
ajsts-5819	174	4	:	:	PUNCT
ajsts-5819	174	5	future	future	ADJ
ajsts-5819	174	6	research	research	NOUN
ajsts-5819	174	7	can	can	AUX
ajsts-5819	174	8	investigate	investigate	VERB
ajsts-5819	174	9	particular	particular	ADJ
ajsts-5819	174	10	interventions	intervention	NOUN
ajsts-5819	174	11	within	within	ADP
ajsts-5819	174	12	fintech	fintech	NOUN
ajsts-5819	174	13	,	,	PUNCT
ajsts-5819	174	14	e.g.	e.g.	ADV
ajsts-5819	174	15	,	,	PUNCT
ajsts-5819	174	16	the	the	DET
ajsts-5819	174	17	impact	impact	NOUN
ajsts-5819	174	18	of	of	ADP
ajsts-5819	174	19	mobile	mobile	ADJ
ajsts-5819	174	20	money	money	NOUN
ajsts-5819	174	21	on	on	ADP
ajsts-5819	174	22	delivery	delivery	NOUN
ajsts-5819	174	23	time	time	NOUN
ajsts-5819	174	24	or	or	CCONJ
ajsts-5819	174	25	digital	digital	ADJ
ajsts-5819	174	26	ledgers	ledger	NOUN
ajsts-5819	174	27	on	on	ADP
ajsts-5819	174	28	inventory	inventory	NOUN
ajsts-5819	174	29	control	control	NOUN
ajsts-5819	174	30	.	.	PUNCT
ajsts-5819	175	1	firm	firm	ADJ
ajsts-5819	175	2	-	-	PUNCT
ajsts-5819	175	3	level	level	NOUN
ajsts-5819	175	4	or	or	CCONJ
ajsts-5819	175	5	cross	cross	ADJ
ajsts-5819	175	6	-	-	ADJ
ajsts-5819	175	7	country	country	ADJ
ajsts-5819	175	8	data	datum	NOUN
ajsts-5819	175	9	will	will	AUX
ajsts-5819	175	10	provide	provide	VERB
ajsts-5819	175	11	a	a	DET
ajsts-5819	175	12	greater	great	ADJ
ajsts-5819	175	13	understanding	understanding	NOUN
ajsts-5819	175	14	of	of	ADP
ajsts-5819	175	15	the	the	DET
ajsts-5819	175	16	role	role	NOUN
ajsts-5819	175	17	of	of	ADP
ajsts-5819	175	18	fintech	fintech	NOUN
ajsts-5819	175	19	in	in	ADP
ajsts-5819	175	20	logistics	logistic	NOUN
ajsts-5819	175	21	.	.	PUNCT
ajsts-5819	176	1	with	with	ADP
ajsts-5819	176	2	the	the	DET
ajsts-5819	176	3	development	development	NOUN
ajsts-5819	176	4	of	of	ADP
ajsts-5819	176	5	technologies	technology	NOUN
ajsts-5819	176	6	,	,	PUNCT
ajsts-5819	176	7	continuous	continuous	ADJ
ajsts-5819	176	8	assessment	assessment	NOUN
ajsts-5819	176	9	will	will	AUX
ajsts-5819	176	10	maintain	maintain	VERB
ajsts-5819	176	11	the	the	DET
ajsts-5819	176	12	momentum	momentum	NOUN
ajsts-5819	176	13	.	.	PUNCT
ajsts-5819	177	1	references	reference	NOUN
ajsts-5819	177	2	akanbi	akanbi	NOUN
ajsts-5819	177	3	,	,	PUNCT
ajsts-5819	177	4	t.	t.	PROPN
ajsts-5819	177	5	a.	a.	PROPN
ajsts-5819	177	6	,	,	PUNCT
ajsts-5819	177	7	oladejo	oladejo	PROPN
ajsts-5819	177	8	,	,	PUNCT
ajsts-5819	177	9	m.	m.	NOUN
ajsts-5819	177	10	o.	o.	PROPN
ajsts-5819	177	11	,	,	PUNCT
ajsts-5819	177	12	&	&	CCONJ
ajsts-5819	177	13	oyeleye	oyeleye	NOUN
ajsts-5819	177	14	,	,	PUNCT
ajsts-5819	177	15	o.	o.	NOUN
ajsts-5819	177	16	a.	a.	NOUN
ajsts-5819	177	17	(	(	PUNCT
ajsts-5819	177	18	2022	2022	NUM
ajsts-5819	177	19	)	)	PUNCT
ajsts-5819	177	20	.	.	PUNCT
ajsts-5819	178	1	impact	impact	NOUN
ajsts-5819	178	2	of	of	ADP
ajsts-5819	178	3	fintech	fintech	NOUN
ajsts-5819	178	4	usage	usage	NOUN
ajsts-5819	178	5	on	on	ADP
ajsts-5819	178	6	the	the	DET
ajsts-5819	178	7	financial	financial	ADJ
ajsts-5819	178	8	and	and	CCONJ
ajsts-5819	178	9	non	non	ADJ
ajsts-5819	178	10	-	-	ADJ
ajsts-5819	178	11	financial	financial	ADJ
ajsts-5819	178	12	performance	performance	NOUN
ajsts-5819	178	13	of	of	ADP
ajsts-5819	178	14	smes	sme	NOUN
ajsts-5819	178	15	in	in	ADP
ajsts-5819	178	16	nigeria	nigeria	PROPN
ajsts-5819	178	17	.	.	PUNCT
ajsts-5819	179	1	international	international	ADJ
ajsts-5819	179	2	journal	journal	PROPN
ajsts-5819	179	3	of	of	ADP
ajsts-5819	179	4	academic	academic	ADJ
ajsts-5819	179	5	research	research	NOUN
ajsts-5819	179	6	in	in	ADP
ajsts-5819	179	7	accounting	accounting	NOUN
ajsts-5819	179	8	,	,	PUNCT
ajsts-5819	179	9	finance	finance	NOUN
ajsts-5819	179	10	and	and	CCONJ
ajsts-5819	179	11	management	management	NOUN
ajsts-5819	179	12	sciences	science	NOUN
ajsts-5819	179	13	,	,	PUNCT
ajsts-5819	179	14	12(2	12(2	NUM
ajsts-5819	179	15	)	)	PUNCT
ajsts-5819	179	16	,	,	PUNCT
ajsts-5819	179	17	306–316	306–316	NUM
ajsts-5819	179	18	.	.	PUNCT
ajsts-5819	180	1	akinadewo	akinadewo	PROPN
ajsts-5819	180	2	,	,	PUNCT
ajsts-5819	180	3	i.	i.	PROPN
ajsts-5819	180	4	s.	s.	PROPN
ajsts-5819	180	5	,	,	PUNCT
ajsts-5819	180	6	dagunduro	dagunduro	PROPN
ajsts-5819	180	7	,	,	PUNCT
ajsts-5819	180	8	m.	m.	NOUN
ajsts-5819	180	9	,	,	PUNCT
ajsts-5819	180	10	adebiyi	adebiyi	NOUN
ajsts-5819	180	11	,	,	PUNCT
ajsts-5819	180	12	i.	i.	NOUN
ajsts-5819	180	13	m.	m.	PROPN
ajsts-5819	180	14	,	,	PUNCT
ajsts-5819	180	15	&	&	CCONJ
ajsts-5819	180	16	akinadewo	akinadewo	PROPN
ajsts-5819	180	17	,	,	PUNCT
ajsts-5819	180	18	j.	j.	PROPN
ajsts-5819	180	19	o.	o.	PROPN
ajsts-5819	180	20	(	(	PUNCT
ajsts-5819	180	21	2023	2023	NUM
ajsts-5819	180	22	)	)	PUNCT
ajsts-5819	180	23	.	.	PUNCT
ajsts-5819	181	1	the	the	DET
ajsts-5819	181	2	impact	impact	NOUN
ajsts-5819	181	3	of	of	ADP
ajsts-5819	181	4	disruptive	disruptive	ADJ
ajsts-5819	181	5	technologies	technology	NOUN
ajsts-5819	181	6	on	on	ADP
ajsts-5819	181	7	the	the	DET
ajsts-5819	181	8	efficacy	efficacy	NOUN
ajsts-5819	181	9	of	of	ADP
ajsts-5819	181	10	accounting	accounting	NOUN
ajsts-5819	181	11	practices	practice	NOUN
ajsts-5819	181	12	in	in	ADP
ajsts-5819	181	13	selected	select	VERB
ajsts-5819	181	14	south	south	ADJ
ajsts-5819	181	15	-	-	PUNCT
ajsts-5819	181	16	western	western	ADJ
ajsts-5819	181	17	states	state	NOUN
ajsts-5819	181	18	,	,	PUNCT
ajsts-5819	181	19	nigeria	nigeria	PROPN
ajsts-5819	181	20	.	.	PUNCT
ajsts-5819	182	1	international	international	ADJ
ajsts-5819	182	2	business	business	PROPN
ajsts-5819	182	3	&	&	CCONJ
ajsts-5819	182	4	economics	economics	PROPN
ajsts-5819	182	5	studies	study	NOUN
ajsts-5819	182	6	,	,	PUNCT
ajsts-5819	182	7	5(3	5(3	NUM
ajsts-5819	182	8	)	)	PUNCT
ajsts-5819	182	9	,	,	PUNCT
ajsts-5819	182	10	1–14	1–14	PROPN
ajsts-5819	182	11	.	.	PUNCT
ajsts-5819	182	12	akinbamini	akinbamini	PROPN
ajsts-5819	182	13	,	,	PUNCT
ajsts-5819	182	14	e.	e.	PROPN
ajsts-5819	182	15	,	,	PUNCT
ajsts-5819	182	16	vargas	vargas	PROPN
ajsts-5819	182	17	,	,	PUNCT
ajsts-5819	182	18	a.	a.	NOUN
ajsts-5819	182	19	,	,	PUNCT
ajsts-5819	182	20	traill	traill	PROPN
ajsts-5819	182	21	,	,	PUNCT
ajsts-5819	182	22	a.	a.	PROPN
ajsts-5819	182	23	,	,	PUNCT
ajsts-5819	182	24	boza	boza	PROPN
ajsts-5819	182	25	,	,	PUNCT
ajsts-5819	182	26	a.	a.	PROPN
ajsts-5819	182	27	,	,	PUNCT
ajsts-5819	182	28	&	&	CCONJ
ajsts-5819	182	29	cuenca	cuenca	PROPN
ajsts-5819	182	30	,	,	PUNCT
ajsts-5819	182	31	l.	l.	PROPN
ajsts-5819	182	32	(	(	PUNCT
ajsts-5819	182	33	2023	2023	NUM
ajsts-5819	182	34	)	)	PUNCT
ajsts-5819	182	35	.	.	PUNCT
ajsts-5819	183	1	critical	critical	ADJ
ajsts-5819	183	2	analysis	analysis	NOUN
ajsts-5819	183	3	of	of	ADP
ajsts-5819	183	4	technologies	technology	NOUN
ajsts-5819	183	5	enhancing	enhance	VERB
ajsts-5819	183	6	supply	supply	NOUN
ajsts-5819	183	7	chain	chain	NOUN
ajsts-5819	183	8	collaboration	collaboration	NOUN
ajsts-5819	183	9	in	in	ADP
ajsts-5819	183	10	nigeria	nigeria	PROPN
ajsts-5819	183	11	’s	’s	PART
ajsts-5819	183	12	food	food	NOUN
ajsts-5819	183	13	industry	industry	NOUN
ajsts-5819	183	14	.	.	PUNCT
ajsts-5819	184	1	inventions	invention	NOUN
ajsts-5819	184	2	,	,	PUNCT
ajsts-5819	184	3	8(1	8(1	NOUN
ajsts-5819	184	4	)	)	PUNCT
ajsts-5819	184	5	,	,	PUNCT
ajsts-5819	184	6	8	8	NUM
ajsts-5819	184	7	-	-	SYM
ajsts-5819	184	8	25	25	NUM
ajsts-5819	184	9	.	.	PUNCT
ajsts-5819	185	1	arnaut	arnaut	PROPN
ajsts-5819	185	2	,	,	PUNCT
ajsts-5819	185	3	d.	d.	PROPN
ajsts-5819	185	4	,	,	PUNCT
ajsts-5819	185	5	&	&	CCONJ
ajsts-5819	185	6	bećirović	bećirović	PROPN
ajsts-5819	185	7	,	,	PUNCT
ajsts-5819	185	8	d.	d.	PROPN
ajsts-5819	185	9	(	(	PUNCT
ajsts-5819	185	10	2023	2023	NUM
ajsts-5819	185	11	)	)	PUNCT
ajsts-5819	185	12	.	.	PUNCT
ajsts-5819	186	1	fintech	fintech	NOUN
ajsts-5819	186	2	innovations	innovation	NOUN
ajsts-5819	186	3	as	as	ADP
ajsts-5819	186	4	disruptor	disruptor	NOUN
ajsts-5819	186	5	of	of	ADP
ajsts-5819	186	6	the	the	DET
ajsts-5819	186	7	traditional	traditional	ADJ
ajsts-5819	186	8	financial	financial	ADJ
ajsts-5819	186	9	industry	industry	NOUN
ajsts-5819	186	10	.	.	PUNCT
ajsts-5819	187	1	in	in	ADP
ajsts-5819	187	2	digital	digital	ADJ
ajsts-5819	187	3	transformation	transformation	NOUN
ajsts-5819	187	4	of	of	ADP
ajsts-5819	187	5	the	the	DET
ajsts-5819	187	6	financial	financial	ADJ
ajsts-5819	187	7	industry	industry	NOUN
ajsts-5819	187	8	:	:	PUNCT
ajsts-5819	187	9	approaches	approach	NOUN
ajsts-5819	187	10	and	and	CCONJ
ajsts-5819	187	11	applications	application	NOUN
ajsts-5819	187	12	(	(	PUNCT
ajsts-5819	187	13	pp	pp	ADJ
ajsts-5819	187	14	.	.	PUNCT
ajsts-5819	187	15	233–254	233–254	NUM
ajsts-5819	187	16	)	)	PUNCT
ajsts-5819	187	17	.	.	PUNCT
ajsts-5819	188	1	asamoah	asamoah	PROPN
ajsts-5819	188	2	,	,	PUNCT
ajsts-5819	188	3	j.	j.	PROPN
ajsts-5819	188	4	y.	y.	PROPN
ajsts-5819	188	5	,	,	PUNCT
ajsts-5819	188	6	&	&	CCONJ
ajsts-5819	188	7	owusu	owusu	PROPN
ajsts-5819	188	8	-	-	PROPN
ajsts-5819	188	9	agyei	agyei	PROPN
ajsts-5819	188	10	,	,	PUNCT
ajsts-5819	188	11	l.	l.	PROPN
ajsts-5819	188	12	(	(	PUNCT
ajsts-5819	188	13	2020	2020	NUM
ajsts-5819	188	14	)	)	PUNCT
ajsts-5819	188	15	.	.	PUNCT
ajsts-5819	189	1	the	the	DET
ajsts-5819	189	2	impact	impact	NOUN
ajsts-5819	189	3	of	of	ADP
ajsts-5819	189	4	ict	ict	NOUN
ajsts-5819	189	5	on	on	ADP
ajsts-5819	189	6	financial	financial	ADJ
ajsts-5819	189	7	sector	sector	NOUN
ajsts-5819	189	8	reforms	reform	NOUN
ajsts-5819	189	9	:	:	PUNCT
ajsts-5819	189	10	an	an	DET
ajsts-5819	189	11	institutional	institutional	ADJ
ajsts-5819	189	12	theory	theory	NOUN
ajsts-5819	189	13	perspective	perspective	NOUN
ajsts-5819	189	14	from	from	ADP
ajsts-5819	189	15	ghana	ghana	PROPN
ajsts-5819	189	16	.	.	PUNCT
ajsts-5819	190	1	international	international	ADJ
ajsts-5819	190	2	journal	journal	PROPN
ajsts-5819	190	3	of	of	ADP
ajsts-5819	190	4	finance	finance	PROPN
ajsts-5819	190	5	&	&	CCONJ
ajsts-5819	190	6	banking	banking	NOUN
ajsts-5819	190	7	studies	study	NOUN
ajsts-5819	190	8	,	,	PUNCT
ajsts-5819	190	9	9(2	9(2	NUM
ajsts-5819	190	10	)	)	PUNCT
ajsts-5819	190	11	,	,	PUNCT
ajsts-5819	190	12	82–100	82–100	PROPN
ajsts-5819	190	13	.	.	PUNCT
ajsts-5819	191	1	babatunde	babatunde	PROPN
ajsts-5819	191	2	,	,	PUNCT
ajsts-5819	191	3	a.	a.	NOUN
ajsts-5819	191	4	a.	a.	NOUN
ajsts-5819	191	5	(	(	PUNCT
ajsts-5819	191	6	2024	2024	NUM
ajsts-5819	191	7	)	)	PUNCT
ajsts-5819	191	8	.	.	PUNCT
ajsts-5819	192	1	impact	impact	NOUN
ajsts-5819	192	2	of	of	ADP
ajsts-5819	192	3	supply	supply	NOUN
ajsts-5819	192	4	chain	chain	NOUN
ajsts-5819	192	5	finance	finance	NOUN
ajsts-5819	192	6	initiatives	initiative	NOUN
ajsts-5819	192	7	on	on	ADP
ajsts-5819	192	8	performance	performance	NOUN
ajsts-5819	192	9	of	of	ADP
ajsts-5819	192	10	service	service	NOUN
ajsts-5819	192	11	providers	provider	NOUN
ajsts-5819	192	12	in	in	ADP
ajsts-5819	192	13	nigeria	nigeria	PROPN
ajsts-5819	192	14	.	.	PUNCT
ajsts-5819	193	1	journal	journal	PROPN
ajsts-5819	193	2	of	of	ADP
ajsts-5819	193	3	management	management	NOUN
ajsts-5819	193	4	and	and	CCONJ
ajsts-5819	193	5	science	science	NOUN
ajsts-5819	193	6	,	,	PUNCT
ajsts-5819	193	7	14(3	14(3	NUM
ajsts-5819	193	8	)	)	PUNCT
ajsts-5819	193	9	,	,	PUNCT
ajsts-5819	193	10	81–90	81–90	NUM
ajsts-5819	193	11	.	.	PUNCT
ajsts-5819	194	1	burdon	burdon	PROPN
ajsts-5819	194	2	,	,	PUNCT
ajsts-5819	194	3	w.	w.	PROPN
ajsts-5819	194	4	m.	m.	PROPN
ajsts-5819	194	5	,	,	PUNCT
ajsts-5819	194	6	&	&	CCONJ
ajsts-5819	194	7	sorour	sorour	NOUN
ajsts-5819	194	8	,	,	PUNCT
ajsts-5819	194	9	m.	m.	PROPN
ajsts-5819	194	10	k.	k.	PROPN
ajsts-5819	194	11	(	(	PUNCT
ajsts-5819	194	12	2020	2020	NUM
ajsts-5819	194	13	)	)	PUNCT
ajsts-5819	194	14	.	.	PUNCT
ajsts-5819	195	1	institutional	institutional	ADJ
ajsts-5819	195	2	theory	theory	NOUN
ajsts-5819	195	3	and	and	CCONJ
ajsts-5819	195	4	the	the	DET
ajsts-5819	195	5	evolution	evolution	NOUN
ajsts-5819	195	6	of	of	ADP
ajsts-5819	195	7	a	a	DET
ajsts-5819	195	8	legitimate	legitimate	ADJ
ajsts-5819	195	9	compliance	compliance	NOUN
ajsts-5819	195	10	culture	culture	NOUN
ajsts-5819	195	11	:	:	PUNCT
ajsts-5819	195	12	the	the	DET
ajsts-5819	195	13	case	case	NOUN
ajsts-5819	195	14	of	of	ADP
ajsts-5819	195	15	the	the	DET
ajsts-5819	195	16	uk	uk	PROPN
ajsts-5819	195	17	financial	financial	ADJ
ajsts-5819	195	18	service	service	NOUN
ajsts-5819	195	19	sector	sector	NOUN
ajsts-5819	195	20	.	.	PUNCT
ajsts-5819	196	1	journal	journal	PROPN
ajsts-5819	196	2	of	of	ADP
ajsts-5819	196	3	business	business	NOUN
ajsts-5819	196	4	ethics	ethic	NOUN
ajsts-5819	196	5	,	,	PUNCT
ajsts-5819	196	6	162(1	162(1	NUM
ajsts-5819	196	7	)	)	PUNCT
ajsts-5819	196	8	,	,	PUNCT
ajsts-5819	196	9	47–80	47–80	NUM
ajsts-5819	196	10	.	.	PUNCT
ajsts-5819	197	1	doi	doi	NOUN
ajsts-5819	197	2	:	:	PUNCT
ajsts-5819	197	3	https://10.1007	https://10.1007	ADJ
ajsts-5819	197	4	/	/	SYM
ajsts-5819	197	5	s10551	s10551	NOUN
ajsts-5819	197	6	-	-	PUNCT
ajsts-5819	197	7	018	018	NUM
ajsts-5819	197	8	-	-	PUNCT
ajsts-5819	197	9	3981	3981	NUM
ajsts-5819	197	10	-	-	SYM
ajsts-5819	197	11	4	4	NUM
ajsts-5819	197	12	chanthati	chanthati	NOUN
ajsts-5819	197	13	,	,	PUNCT
ajsts-5819	197	14	s.	s.	PROPN
ajsts-5819	197	15	r.	r.	PROPN
ajsts-5819	197	16	(	(	PUNCT
ajsts-5819	197	17	2024	2024	NUM
ajsts-5819	197	18	)	)	PUNCT
ajsts-5819	197	19	.	.	PUNCT
ajsts-5819	198	1	artificial	artificial	ADJ
ajsts-5819	198	2	intelligence	intelligence	NOUN
ajsts-5819	198	3	-	-	PUNCT
ajsts-5819	198	4	based	base	VERB
ajsts-5819	198	5	cloud	cloud	NOUN
ajsts-5819	198	6	planning	planning	NOUN
ajsts-5819	198	7	and	and	CCONJ
ajsts-5819	198	8	migration	migration	NOUN
ajsts-5819	198	9	to	to	PART
ajsts-5819	198	10	cut	cut	VERB
ajsts-5819	198	11	the	the	DET
ajsts-5819	198	12	cost	cost	NOUN
ajsts-5819	198	13	of	of	ADP
ajsts-5819	198	14	cloud	cloud	NOUN
ajsts-5819	198	15	.	.	PUNCT
ajsts-5819	199	1	pa	pa	PROPN
ajsts-5819	199	2	ge	ge	PROPN
ajsts-5819	199	3	69	69	NUM
ajsts-5819	199	4	https://journals.e-palli.com/home/index.php/ajsts	https://journals.e-palli.com/home/index.php/ajst	NOUN
ajsts-5819	199	5	am	be	AUX
ajsts-5819	199	6	.	.	PUNCT
ajsts-5819	200	1	j.	j.	PROPN
ajsts-5819	200	2	smart	smart	PROPN
ajsts-5819	200	3	.	.	PUNCT
ajsts-5819	201	1	technol	technol	PROPN
ajsts-5819	201	2	.	.	PUNCT
ajsts-5819	201	3	solutions	solution	NOUN
ajsts-5819	201	4	4(2	4(2	NUM
ajsts-5819	201	5	)	)	PUNCT
ajsts-5819	201	6	63	63	NUM
ajsts-5819	201	7	-	-	SYM
ajsts-5819	201	8	69	69	NUM
ajsts-5819	201	9	,	,	PUNCT
ajsts-5819	201	10	2025	2025	NUM
ajsts-5819	201	11	american	american	ADJ
ajsts-5819	201	12	journal	journal	NOUN
ajsts-5819	201	13	of	of	ADP
ajsts-5819	201	14	smart	smart	ADJ
ajsts-5819	201	15	technology	technology	NOUN
ajsts-5819	201	16	and	and	CCONJ
ajsts-5819	201	17	solutions	solution	NOUN
ajsts-5819	201	18	,	,	PUNCT
ajsts-5819	201	19	3(2	3(2	NUM
ajsts-5819	201	20	)	)	PUNCT
ajsts-5819	201	21	,	,	PUNCT
ajsts-5819	201	22	13	13	NUM
ajsts-5819	201	23	-	-	SYM
ajsts-5819	201	24	24	24	NUM
ajsts-5819	201	25	.	.	PUNCT
ajsts-5819	202	1	chukwu	chukwu	NOUN
ajsts-5819	202	2	,	,	PUNCT
ajsts-5819	202	3	g.	g.	PROPN
ajsts-5819	202	4	j.	j.	PROPN
ajsts-5819	202	5	,	,	PUNCT
ajsts-5819	202	6	&	&	CCONJ
ajsts-5819	202	7	eze	eze	PROPN
ajsts-5819	202	8	,	,	PUNCT
ajsts-5819	202	9	o.	o.	PROPN
ajsts-5819	202	10	r.	r.	PROPN
ajsts-5819	202	11	(	(	PUNCT
ajsts-5819	202	12	2018	2018	NUM
ajsts-5819	202	13	)	)	PUNCT
ajsts-5819	202	14	.	.	PUNCT
ajsts-5819	203	1	impact	impact	NOUN
ajsts-5819	203	2	of	of	ADP
ajsts-5819	203	3	information	information	NOUN
ajsts-5819	203	4	communication	communication	NOUN
ajsts-5819	203	5	technology	technology	NOUN
ajsts-5819	203	6	on	on	ADP
ajsts-5819	203	7	accounting	accounting	NOUN
ajsts-5819	203	8	practice	practice	NOUN
ajsts-5819	203	9	in	in	ADP
ajsts-5819	203	10	nigeria	nigeria	PROPN
ajsts-5819	203	11	.	.	PUNCT
ajsts-5819	204	1	journal	journal	PROPN
ajsts-5819	204	2	of	of	ADP
ajsts-5819	204	3	accounting	accounting	NOUN
ajsts-5819	204	4	and	and	CCONJ
ajsts-5819	204	5	financial	financial	ADJ
ajsts-5819	204	6	management	management	NOUN
ajsts-5819	204	7	,	,	PUNCT
ajsts-5819	204	8	4(5	4(5	PROPN
ajsts-5819	204	9	)	)	PUNCT
ajsts-5819	204	10	,	,	PUNCT
ajsts-5819	204	11	45–54	45–54	NUM
ajsts-5819	204	12	.	.	PROPN
ajsts-5819	204	13	elsaid	elsaid	PROPN
ajsts-5819	204	14	,	,	PUNCT
ajsts-5819	204	15	h.	h.	PROPN
ajsts-5819	204	16	m.	m.	NOUN
ajsts-5819	204	17	(	(	PUNCT
ajsts-5819	204	18	2023	2023	NUM
ajsts-5819	204	19	)	)	PUNCT
ajsts-5819	204	20	.	.	PUNCT
ajsts-5819	205	1	a	a	DET
ajsts-5819	205	2	review	review	NOUN
ajsts-5819	205	3	of	of	ADP
ajsts-5819	205	4	literature	literature	NOUN
ajsts-5819	205	5	on	on	ADP
ajsts-5819	205	6	the	the	DET
ajsts-5819	205	7	impact	impact	NOUN
ajsts-5819	205	8	of	of	ADP
ajsts-5819	205	9	fintech	fintech	NOUN
ajsts-5819	205	10	firms	firm	NOUN
ajsts-5819	205	11	on	on	ADP
ajsts-5819	205	12	the	the	DET
ajsts-5819	205	13	banking	banking	NOUN
ajsts-5819	205	14	industry	industry	NOUN
ajsts-5819	205	15	.	.	PUNCT
ajsts-5819	206	1	qualitative	qualitative	ADJ
ajsts-5819	206	2	research	research	NOUN
ajsts-5819	206	3	in	in	ADP
ajsts-5819	206	4	financial	financial	ADJ
ajsts-5819	206	5	markets	market	NOUN
ajsts-5819	206	6	,	,	PUNCT
ajsts-5819	206	7	15(5	15(5	NUM
ajsts-5819	206	8	)	)	PUNCT
ajsts-5819	206	9	,	,	PUNCT
ajsts-5819	206	10	693–711	693–711	NUM
ajsts-5819	206	11	.	.	SYM
ajsts-5819	206	12	eze	eze	PROPN
ajsts-5819	206	13	,	,	PUNCT
ajsts-5819	206	14	s.	s.	PROPN
ajsts-5819	206	15	u.	u.	PROPN
ajsts-5819	206	16	,	,	PUNCT
ajsts-5819	206	17	okere	okere	PROPN
ajsts-5819	206	18	,	,	PUNCT
ajsts-5819	206	19	w.	w.	PROPN
ajsts-5819	206	20	,	,	PUNCT
ajsts-5819	206	21	okoye	okoye	PROPN
ajsts-5819	206	22	,	,	PUNCT
ajsts-5819	206	23	n.	n.	PROPN
ajsts-5819	206	24	j.	j.	PROPN
ajsts-5819	206	25	,	,	PUNCT
ajsts-5819	206	26	&	&	CCONJ
ajsts-5819	206	27	chika	chika	PROPN
ajsts-5819	206	28	,	,	PUNCT
ajsts-5819	206	29	a.	a.	PROPN
ajsts-5819	206	30	r.	r.	PROPN
ajsts-5819	206	31	(	(	PUNCT
ajsts-5819	206	32	2024	2024	NUM
ajsts-5819	206	33	)	)	PUNCT
ajsts-5819	206	34	.	.	PUNCT
ajsts-5819	207	1	economic	economic	ADJ
ajsts-5819	207	2	environment	environment	NOUN
ajsts-5819	207	3	and	and	CCONJ
ajsts-5819	207	4	performance	performance	NOUN
ajsts-5819	207	5	of	of	ADP
ajsts-5819	207	6	small	small	ADJ
ajsts-5819	207	7	and	and	CCONJ
ajsts-5819	207	8	medium	medium	ADJ
ajsts-5819	207	9	-	-	PUNCT
ajsts-5819	207	10	scale	scale	NOUN
ajsts-5819	207	11	enterprises	enterprise	NOUN
ajsts-5819	207	12	in	in	ADP
ajsts-5819	207	13	nigeria	nigeria	PROPN
ajsts-5819	207	14	.	.	PUNCT
ajsts-5819	208	1	journal	journal	PROPN
ajsts-5819	208	2	of	of	ADP
ajsts-5819	208	3	economics	economic	NOUN
ajsts-5819	208	4	and	and	CCONJ
ajsts-5819	208	5	sustainable	sustainable	ADJ
ajsts-5819	208	6	development	development	NOUN
ajsts-5819	208	7	,	,	PUNCT
ajsts-5819	208	8	15(1	15(1	NUM
ajsts-5819	208	9	)	)	PUNCT
ajsts-5819	208	10	,	,	PUNCT
ajsts-5819	208	11	45–57	45–57	NUM
ajsts-5819	208	12	.	.	PUNCT
ajsts-5819	209	1	gelsomino	gelsomino	PROPN
ajsts-5819	209	2	,	,	PUNCT
ajsts-5819	209	3	l.	l.	PROPN
ajsts-5819	209	4	m.	m.	PROPN
ajsts-5819	209	5	,	,	PUNCT
ajsts-5819	209	6	mangiaracina	mangiaracina	PROPN
ajsts-5819	209	7	,	,	PUNCT
ajsts-5819	209	8	r.	r.	PROPN
ajsts-5819	209	9	,	,	PUNCT
ajsts-5819	209	10	perego	perego	PROPN
ajsts-5819	209	11	,	,	PUNCT
ajsts-5819	209	12	a.	a.	NOUN
ajsts-5819	209	13	,	,	PUNCT
ajsts-5819	209	14	&	&	CCONJ
ajsts-5819	209	15	tumino	tumino	PROPN
ajsts-5819	209	16	,	,	PUNCT
ajsts-5819	209	17	a.	a.	NOUN
ajsts-5819	209	18	(	(	PUNCT
ajsts-5819	209	19	2016	2016	NUM
ajsts-5819	209	20	)	)	PUNCT
ajsts-5819	209	21	.	.	PUNCT
ajsts-5819	210	1	supply	supply	NOUN
ajsts-5819	210	2	chain	chain	NOUN
ajsts-5819	210	3	finance	finance	NOUN
ajsts-5819	210	4	:	:	PUNCT
ajsts-5819	210	5	a	a	DET
ajsts-5819	210	6	literature	literature	NOUN
ajsts-5819	210	7	review	review	NOUN
ajsts-5819	210	8	.	.	PUNCT
ajsts-5819	211	1	international	international	ADJ
ajsts-5819	211	2	journal	journal	PROPN
ajsts-5819	211	3	of	of	ADP
ajsts-5819	211	4	physical	physical	ADJ
ajsts-5819	211	5	distribution	distribution	NOUN
ajsts-5819	211	6	&	&	CCONJ
ajsts-5819	211	7	logistics	logistic	NOUN
ajsts-5819	211	8	management	management	NOUN
ajsts-5819	211	9	,	,	PUNCT
ajsts-5819	211	10	46(4	46(4	NOUN
ajsts-5819	211	11	)	)	PUNCT
ajsts-5819	211	12	,	,	PUNCT
ajsts-5819	211	13	348–366	348–366	NUM
ajsts-5819	211	14	.	.	PUNCT
ajsts-5819	212	1	giglio	giglio	PROPN
ajsts-5819	212	2	,	,	PUNCT
ajsts-5819	212	3	f.	f.	PROPN
ajsts-5819	212	4	(	(	PUNCT
ajsts-5819	212	5	2021	2021	NUM
ajsts-5819	212	6	)	)	PUNCT
ajsts-5819	212	7	.	.	PUNCT
ajsts-5819	213	1	fintech	fintech	NOUN
ajsts-5819	213	2	:	:	PUNCT
ajsts-5819	213	3	a	a	DET
ajsts-5819	213	4	literature	literature	NOUN
ajsts-5819	213	5	review	review	NOUN
ajsts-5819	213	6	.	.	PUNCT
ajsts-5819	214	1	european	european	PROPN
ajsts-5819	214	2	research	research	PROPN
ajsts-5819	214	3	studies	studies	PROPN
ajsts-5819	214	4	journal	journal	NOUN
ajsts-5819	214	5	,	,	PUNCT
ajsts-5819	214	6	24(2b	24(2b	NUM
ajsts-5819	214	7	)	)	PUNCT
ajsts-5819	214	8	,	,	PUNCT
ajsts-5819	214	9	600–627	600–627	NUM
ajsts-5819	214	10	.	.	PUNCT
ajsts-5819	215	1	godgift	godgift	PROPN
ajsts-5819	215	2	-	-	PUNCT
ajsts-5819	215	3	david	david	PROPN
ajsts-5819	215	4	,	,	PUNCT
ajsts-5819	215	5	a.	a.	PROPN
ajsts-5819	215	6	,	,	PUNCT
ajsts-5819	215	7	onyeiwu	onyeiwu	ADV
ajsts-5819	215	8	,	,	PUNCT
ajsts-5819	215	9	c.	c.	PROPN
ajsts-5819	215	10	,	,	PUNCT
ajsts-5819	215	11	&	&	CCONJ
ajsts-5819	215	12	owopetu	owopetu	PROPN
ajsts-5819	215	13	,	,	PUNCT
ajsts-5819	215	14	o.	o.	NOUN
ajsts-5819	215	15	a.	a.	NOUN
ajsts-5819	215	16	(	(	PUNCT
ajsts-5819	215	17	2018	2018	NUM
ajsts-5819	215	18	)	)	PUNCT
ajsts-5819	215	19	.	.	PUNCT
ajsts-5819	216	1	the	the	DET
ajsts-5819	216	2	impact	impact	NOUN
ajsts-5819	216	3	of	of	ADP
ajsts-5819	216	4	financial	financial	ADJ
ajsts-5819	216	5	technology	technology	NOUN
ajsts-5819	216	6	in	in	ADP
ajsts-5819	216	7	the	the	DET
ajsts-5819	216	8	operations	operation	NOUN
ajsts-5819	216	9	(	(	PUNCT
ajsts-5819	216	10	payments	payment	NOUN
ajsts-5819	216	11	/	/	SYM
ajsts-5819	216	12	collections	collection	NOUN
ajsts-5819	216	13	)	)	PUNCT
ajsts-5819	216	14	of	of	ADP
ajsts-5819	216	15	smes	sme	NOUN
ajsts-5819	216	16	in	in	ADP
ajsts-5819	216	17	nigeria	nigeria	PROPN
ajsts-5819	216	18	.	.	PUNCT
ajsts-5819	217	1	international	international	ADJ
ajsts-5819	217	2	journal	journal	PROPN
ajsts-5819	217	3	of	of	ADP
ajsts-5819	217	4	innovative	innovative	ADJ
ajsts-5819	217	5	research	research	NOUN
ajsts-5819	217	6	and	and	CCONJ
ajsts-5819	217	7	development	development	NOUN
ajsts-5819	217	8	,	,	PUNCT
ajsts-5819	217	9	7(2	7(2	NUM
ajsts-5819	217	10	)	)	PUNCT
ajsts-5819	217	11	,	,	PUNCT
ajsts-5819	217	12	13–22	13–22	NUM
ajsts-5819	217	13	.	.	PUNCT
ajsts-5819	218	1	guan	guan	PROPN
ajsts-5819	218	2	,	,	PUNCT
ajsts-5819	218	3	y.	y.	PROPN
ajsts-5819	218	4	,	,	PUNCT
ajsts-5819	218	5	sun	sun	PROPN
ajsts-5819	218	6	,	,	PUNCT
ajsts-5819	218	7	n.	n.	PROPN
ajsts-5819	218	8	,	,	PUNCT
ajsts-5819	218	9	wu	wu	PROPN
ajsts-5819	218	10	,	,	PUNCT
ajsts-5819	218	11	s.	s.	PROPN
ajsts-5819	218	12	j.	j.	PROPN
ajsts-5819	218	13	,	,	PUNCT
ajsts-5819	218	14	&	&	CCONJ
ajsts-5819	218	15	sun	sun	PROPN
ajsts-5819	218	16	,	,	PUNCT
ajsts-5819	218	17	y.	y.	PROPN
ajsts-5819	218	18	(	(	PUNCT
ajsts-5819	218	19	2025	2025	NUM
ajsts-5819	218	20	)	)	PUNCT
ajsts-5819	218	21	.	.	PUNCT
ajsts-5819	219	1	supply	supply	NOUN
ajsts-5819	219	2	chain	chain	NOUN
ajsts-5819	219	3	finance	finance	NOUN
ajsts-5819	219	4	,	,	PUNCT
ajsts-5819	219	5	fintech	fintech	NOUN
ajsts-5819	219	6	development	development	NOUN
ajsts-5819	219	7	,	,	PUNCT
ajsts-5819	219	8	and	and	CCONJ
ajsts-5819	219	9	financing	financing	NOUN
ajsts-5819	219	10	efficiency	efficiency	NOUN
ajsts-5819	219	11	of	of	ADP
ajsts-5819	219	12	smes	sme	NOUN
ajsts-5819	219	13	in	in	ADP
ajsts-5819	219	14	china	china	PROPN
ajsts-5819	219	15	.	.	PUNCT
ajsts-5819	220	1	administrative	administrative	ADJ
ajsts-5819	220	2	sciences	sciences	PROPN
ajsts-5819	220	3	,	,	PUNCT
ajsts-5819	220	4	15(3	15(3	NUM
ajsts-5819	220	5	)	)	PUNCT
ajsts-5819	220	6	,	,	PUNCT
ajsts-5819	220	7	article	article	NOUN
ajsts-5819	220	8	86	86	NUM
ajsts-5819	220	9	.	.	PUNCT
ajsts-5819	221	1	harsono	harsono	PROPN
ajsts-5819	221	2	,	,	PUNCT
ajsts-5819	221	3	i.	i.	PROPN
ajsts-5819	221	4	,	,	PUNCT
ajsts-5819	221	5	&	&	CCONJ
ajsts-5819	221	6	suprapti	suprapti	PROPN
ajsts-5819	221	7	,	,	PUNCT
ajsts-5819	221	8	i.	i.	PROPN
ajsts-5819	221	9	a.	a.	PROPN
ajsts-5819	221	10	p.	p.	PROPN
ajsts-5819	221	11	(	(	PUNCT
ajsts-5819	221	12	2024	2024	NUM
ajsts-5819	221	13	)	)	PUNCT
ajsts-5819	221	14	.	.	PUNCT
ajsts-5819	222	1	the	the	DET
ajsts-5819	222	2	role	role	NOUN
ajsts-5819	222	3	of	of	ADP
ajsts-5819	222	4	fintech	fintech	NOUN
ajsts-5819	222	5	in	in	ADP
ajsts-5819	222	6	transforming	transform	VERB
ajsts-5819	222	7	traditional	traditional	ADJ
ajsts-5819	222	8	financial	financial	ADJ
ajsts-5819	222	9	services	service	NOUN
ajsts-5819	222	10	.	.	PUNCT
ajsts-5819	223	1	accounting	accounting	NOUN
ajsts-5819	223	2	studies	study	NOUN
ajsts-5819	223	3	and	and	CCONJ
ajsts-5819	223	4	tax	tax	NOUN
ajsts-5819	223	5	journal	journal	NOUN
ajsts-5819	223	6	(	(	PUNCT
ajsts-5819	223	7	count	count	NOUN
ajsts-5819	223	8	)	)	PUNCT
ajsts-5819	223	9	,	,	PUNCT
ajsts-5819	223	10	1(1	1(1	NUM
ajsts-5819	223	11	)	)	PUNCT
ajsts-5819	223	12	,	,	PUNCT
ajsts-5819	223	13	81–91	81–91	NUM
ajsts-5819	223	14	.	.	PUNCT
ajsts-5819	224	1	karakus	karakus	PROPN
ajsts-5819	224	2	,	,	PUNCT
ajsts-5819	224	3	r.	r.	PROPN
ajsts-5819	224	4	,	,	PUNCT
ajsts-5819	224	5	&	&	CCONJ
ajsts-5819	224	6	zor	zor	PROPN
ajsts-5819	224	7	,	,	PUNCT
ajsts-5819	224	8	s.	s.	PROPN
ajsts-5819	224	9	d.	d.	PROPN
ajsts-5819	224	10	(	(	PUNCT
ajsts-5819	224	11	2017	2017	NUM
ajsts-5819	224	12	)	)	PUNCT
ajsts-5819	224	13	.	.	PUNCT
ajsts-5819	225	1	the	the	DET
ajsts-5819	225	2	effect	effect	NOUN
ajsts-5819	225	3	of	of	ADP
ajsts-5819	225	4	supply	supply	NOUN
ajsts-5819	225	5	chain	chain	NOUN
ajsts-5819	225	6	finance	finance	NOUN
ajsts-5819	225	7	on	on	ADP
ajsts-5819	225	8	the	the	DET
ajsts-5819	225	9	market	market	NOUN
ajsts-5819	225	10	value	value	NOUN
ajsts-5819	225	11	of	of	ADP
ajsts-5819	225	12	firms	firm	NOUN
ajsts-5819	225	13	:	:	PUNCT
ajsts-5819	225	14	empirical	empirical	ADJ
ajsts-5819	225	15	evidence	evidence	NOUN
ajsts-5819	225	16	from	from	ADP
ajsts-5819	225	17	sixteen	sixteen	NUM
ajsts-5819	225	18	countries	country	NOUN
ajsts-5819	225	19	.	.	PUNCT
ajsts-5819	226	1	journal	journal	PROPN
ajsts-5819	226	2	of	of	ADP
ajsts-5819	226	3	economics	economic	NOUN
ajsts-5819	226	4	and	and	CCONJ
ajsts-5819	226	5	financial	financial	ADJ
ajsts-5819	226	6	analysis	analysis	NOUN
ajsts-5819	226	7	,	,	PUNCT
ajsts-5819	226	8	1(2	1(2	NUM
ajsts-5819	226	9	)	)	PUNCT
ajsts-5819	226	10	,	,	PUNCT
ajsts-5819	226	11	1–15	1–15	PROPN
ajsts-5819	226	12	.	.	PUNCT
ajsts-5819	227	1	koffi	koffi	PROPN
ajsts-5819	227	2	,	,	PUNCT
ajsts-5819	227	3	h.	h.	PROPN
ajsts-5819	227	4	(	(	PUNCT
ajsts-5819	227	5	2016	2016	NUM
ajsts-5819	227	6	)	)	PUNCT
ajsts-5819	227	7	.	.	PUNCT
ajsts-5819	228	1	the	the	DET
ajsts-5819	228	2	fintech	fintech	NOUN
ajsts-5819	228	3	revolution	revolution	NOUN
ajsts-5819	228	4	:	:	PUNCT
ajsts-5819	228	5	an	an	DET
ajsts-5819	228	6	opportunity	opportunity	NOUN
ajsts-5819	228	7	for	for	ADP
ajsts-5819	228	8	the	the	DET
ajsts-5819	228	9	west	west	ADJ
ajsts-5819	228	10	african	african	ADJ
ajsts-5819	228	11	financial	financial	ADJ
ajsts-5819	228	12	sector	sector	NOUN
ajsts-5819	228	13	.	.	PUNCT
ajsts-5819	229	1	open	open	ADJ
ajsts-5819	229	2	journal	journal	PROPN
ajsts-5819	229	3	of	of	ADP
ajsts-5819	229	4	applied	apply	VERB
ajsts-5819	229	5	sciences	science	NOUN
ajsts-5819	229	6	,	,	PUNCT
ajsts-5819	229	7	6(11	6(11	NUM
ajsts-5819	229	8	)	)	PUNCT
ajsts-5819	229	9	,	,	PUNCT
ajsts-5819	229	10	771–782	771–782	NUM
ajsts-5819	229	11	.	.	PUNCT
ajsts-5819	230	1	kola	kola	NOUN
ajsts-5819	230	2	-	-	PUNCT
ajsts-5819	230	3	oyeneyin	oyeneyin	PROPN
ajsts-5819	230	4	,	,	PUNCT
ajsts-5819	230	5	t.	t.	PROPN
ajsts-5819	230	6	,	,	PUNCT
ajsts-5819	230	7	kuyoro	kuyoro	PROPN
ajsts-5819	230	8	,	,	PUNCT
ajsts-5819	230	9	m.	m.	NOUN
ajsts-5819	230	10	,	,	PUNCT
ajsts-5819	230	11	&	&	CCONJ
ajsts-5819	230	12	olanrewaju	olanrewaju	ADJ
ajsts-5819	230	13	,	,	PUNCT
ajsts-5819	230	14	t.	t.	PROPN
ajsts-5819	230	15	(	(	PUNCT
ajsts-5819	230	16	2021	2021	NUM
ajsts-5819	230	17	)	)	PUNCT
ajsts-5819	230	18	.	.	PUNCT
ajsts-5819	231	1	harnessing	harness	VERB
ajsts-5819	231	2	nigeria	nigeria	PROPN
ajsts-5819	231	3	’s	’s	PART
ajsts-5819	231	4	fintech	fintech	NOUN
ajsts-5819	231	5	potential	potential	NOUN
ajsts-5819	231	6	.	.	PUNCT
ajsts-5819	232	1	mckinsey	mckinsey	PROPN
ajsts-5819	232	2	&	&	CCONJ
ajsts-5819	232	3	company	company	PROPN
ajsts-5819	232	4	report	report	PROPN
ajsts-5819	232	5	,	,	PUNCT
ajsts-5819	232	6	february	february	PROPN
ajsts-5819	232	7	2021	2021	NUM
ajsts-5819	232	8	.	.	PUNCT
ajsts-5819	233	1	kyari	kyari	NOUN
ajsts-5819	233	2	,	,	PUNCT
ajsts-5819	233	3	a.	a.	PROPN
ajsts-5819	233	4	k.	k.	PROPN
ajsts-5819	233	5	,	,	PUNCT
ajsts-5819	233	6	&	&	CCONJ
ajsts-5819	233	7	akinwale	akinwale	PROPN
ajsts-5819	233	8	,	,	PUNCT
ajsts-5819	233	9	y.	y.	PROPN
ajsts-5819	233	10	o.	o.	PROPN
ajsts-5819	233	11	(	(	PUNCT
ajsts-5819	233	12	2020	2020	NUM
ajsts-5819	233	13	)	)	PUNCT
ajsts-5819	233	14	.	.	PUNCT
ajsts-5819	234	1	an	an	DET
ajsts-5819	234	2	assessment	assessment	NOUN
ajsts-5819	234	3	of	of	ADP
ajsts-5819	234	4	the	the	DET
ajsts-5819	234	5	level	level	NOUN
ajsts-5819	234	6	of	of	ADP
ajsts-5819	234	7	adoption	adoption	NOUN
ajsts-5819	234	8	of	of	ADP
ajsts-5819	234	9	financial	financial	ADJ
ajsts-5819	234	10	technology	technology	NOUN
ajsts-5819	234	11	by	by	ADP
ajsts-5819	234	12	nigerian	nigerian	ADJ
ajsts-5819	234	13	banks	bank	NOUN
ajsts-5819	234	14	.	.	PUNCT
ajsts-5819	235	1	african	african	ADJ
ajsts-5819	235	2	journal	journal	PROPN
ajsts-5819	235	3	of	of	ADP
ajsts-5819	235	4	science	science	NOUN
ajsts-5819	235	5	,	,	PUNCT
ajsts-5819	235	6	policy	policy	NOUN
ajsts-5819	235	7	and	and	CCONJ
ajsts-5819	235	8	innovation	innovation	NOUN
ajsts-5819	235	9	management	management	NOUN
ajsts-5819	235	10	,	,	PUNCT
ajsts-5819	235	11	1(1	1(1	NUM
ajsts-5819	235	12	)	)	PUNCT
ajsts-5819	235	13	,	,	PUNCT
ajsts-5819	235	14	118–130	118–130	NUM
ajsts-5819	235	15	.	.	PUNCT
ajsts-5819	236	1	lam	lam	PROPN
ajsts-5819	236	2	,	,	PUNCT
ajsts-5819	236	3	j.	j.	PROPN
ajsts-5819	236	4	s.	s.	PROPN
ajsts-5819	236	5	l.	l.	PROPN
ajsts-5819	236	6	,	,	PUNCT
ajsts-5819	236	7	ye	ye	PROPN
ajsts-5819	236	8	,	,	PUNCT
ajsts-5819	236	9	z.	z.	PROPN
ajsts-5819	236	10	,	,	PUNCT
ajsts-5819	236	11	&	&	CCONJ
ajsts-5819	236	12	lau	lau	PROPN
ajsts-5819	236	13	,	,	PUNCT
ajsts-5819	236	14	y.	y.	PROPN
ajsts-5819	236	15	y.	y.	PROPN
ajsts-5819	236	16	(	(	PUNCT
ajsts-5819	236	17	2019	2019	NUM
ajsts-5819	236	18	)	)	PUNCT
ajsts-5819	236	19	.	.	PUNCT
ajsts-5819	237	1	impact	impact	NOUN
ajsts-5819	237	2	of	of	ADP
ajsts-5819	237	3	supply	supply	NOUN
ajsts-5819	237	4	chain	chain	NOUN
ajsts-5819	237	5	finance	finance	NOUN
ajsts-5819	237	6	initiatives	initiative	NOUN
ajsts-5819	237	7	on	on	ADP
ajsts-5819	237	8	firm	firm	ADJ
ajsts-5819	237	9	risk	risk	NOUN
ajsts-5819	237	10	.	.	PUNCT
ajsts-5819	238	1	maritime	maritime	ADJ
ajsts-5819	238	2	economics	economics	PROPN
ajsts-5819	238	3	&	&	CCONJ
ajsts-5819	238	4	logistics	logistic	NOUN
ajsts-5819	238	5	,	,	PUNCT
ajsts-5819	238	6	21(4	21(4	NUM
ajsts-5819	238	7	)	)	PUNCT
ajsts-5819	238	8	,	,	PUNCT
ajsts-5819	238	9	476–494	476–494	NUM
ajsts-5819	238	10	.	.	PUNCT
ajsts-5819	238	11	lee	lee	PROPN
ajsts-5819	238	12	,	,	PUNCT
ajsts-5819	238	13	i.	i.	PROPN
ajsts-5819	238	14	,	,	PUNCT
ajsts-5819	238	15	&	&	CCONJ
ajsts-5819	238	16	shin	shin	PROPN
ajsts-5819	238	17	,	,	PUNCT
ajsts-5819	238	18	y.	y.	PROPN
ajsts-5819	238	19	j.	j.	PROPN
ajsts-5819	238	20	(	(	PUNCT
ajsts-5819	238	21	2018	2018	NUM
ajsts-5819	238	22	)	)	PUNCT
ajsts-5819	238	23	.	.	PUNCT
ajsts-5819	239	1	fintech	fintech	NOUN
ajsts-5819	239	2	:	:	PUNCT
ajsts-5819	239	3	ecosystem	ecosystem	NOUN
ajsts-5819	239	4	,	,	PUNCT
ajsts-5819	239	5	business	business	NOUN
ajsts-5819	239	6	models	model	NOUN
ajsts-5819	239	7	,	,	PUNCT
ajsts-5819	239	8	investment	investment	NOUN
ajsts-5819	239	9	decisions	decision	NOUN
ajsts-5819	239	10	,	,	PUNCT
ajsts-5819	239	11	and	and	CCONJ
ajsts-5819	239	12	challenges	challenge	NOUN
ajsts-5819	239	13	.	.	PUNCT
ajsts-5819	240	1	business	business	NOUN
ajsts-5819	240	2	horizons	horizon	NOUN
ajsts-5819	240	3	,	,	PUNCT
ajsts-5819	240	4	61(1	61(1	NOUN
ajsts-5819	240	5	)	)	PUNCT
ajsts-5819	240	6	,	,	PUNCT
ajsts-5819	240	7	35–46	35–46	NUM
ajsts-5819	240	8	.	.	PUNCT
ajsts-5819	241	1	liu	liu	PROPN
ajsts-5819	241	2	,	,	PUNCT
ajsts-5819	241	3	f.	f.	PROPN
ajsts-5819	241	4	,	,	PUNCT
ajsts-5819	241	5	xie	xie	PROPN
ajsts-5819	241	6	,	,	PUNCT
ajsts-5819	241	7	l.	l.	PROPN
ajsts-5819	241	8	,	,	PUNCT
ajsts-5819	241	9	&	&	CCONJ
ajsts-5819	241	10	liu	liu	PROPN
ajsts-5819	241	11	,	,	PUNCT
ajsts-5819	241	12	w.	w.	PROPN
ajsts-5819	241	13	(	(	PUNCT
ajsts-5819	241	14	2025	2025	NUM
ajsts-5819	241	15	)	)	PUNCT
ajsts-5819	241	16	.	.	PUNCT
ajsts-5819	242	1	impact	impact	NOUN
ajsts-5819	242	2	of	of	ADP
ajsts-5819	242	3	fintech	fintech	NOUN
ajsts-5819	242	4	on	on	ADP
ajsts-5819	242	5	supply	supply	NOUN
ajsts-5819	242	6	chain	chain	NOUN
ajsts-5819	242	7	resilience	resilience	NOUN
ajsts-5819	242	8	.	.	PUNCT
ajsts-5819	243	1	international	international	ADJ
ajsts-5819	243	2	review	review	NOUN
ajsts-5819	243	3	of	of	ADP
ajsts-5819	243	4	financial	financial	ADJ
ajsts-5819	243	5	analysis	analysis	NOUN
ajsts-5819	243	6	,	,	PUNCT
ajsts-5819	243	7	103	103	NUM
ajsts-5819	243	8	,	,	PUNCT
ajsts-5819	243	9	104241	104241	NUM
ajsts-5819	243	10	.	.	PUNCT
ajsts-5819	244	1	madawaki	madawaki	NOUN
ajsts-5819	244	2	,	,	PUNCT
ajsts-5819	244	3	a.	a.	NOUN
ajsts-5819	244	4	(	(	PUNCT
ajsts-5819	244	5	2012	2012	NUM
ajsts-5819	244	6	)	)	PUNCT
ajsts-5819	244	7	.	.	PUNCT
ajsts-5819	245	1	adoption	adoption	NOUN
ajsts-5819	245	2	of	of	ADP
ajsts-5819	245	3	international	international	ADJ
ajsts-5819	245	4	financial	financial	ADJ
ajsts-5819	245	5	reporting	reporting	NOUN
ajsts-5819	245	6	standards	standard	NOUN
ajsts-5819	245	7	in	in	ADP
ajsts-5819	245	8	developing	develop	VERB
ajsts-5819	245	9	countries	country	NOUN
ajsts-5819	245	10	:	:	PUNCT
ajsts-5819	245	11	the	the	DET
ajsts-5819	245	12	case	case	NOUN
ajsts-5819	245	13	of	of	ADP
ajsts-5819	245	14	nigeria	nigeria	PROPN
ajsts-5819	245	15	.	.	PUNCT
ajsts-5819	246	1	international	international	ADJ
ajsts-5819	246	2	journal	journal	PROPN
ajsts-5819	246	3	of	of	ADP
ajsts-5819	246	4	business	business	NOUN
ajsts-5819	246	5	and	and	CCONJ
ajsts-5819	246	6	management	management	NOUN
ajsts-5819	246	7	,	,	PUNCT
ajsts-5819	246	8	7(3	7(3	NUM
ajsts-5819	246	9	)	)	PUNCT
ajsts-5819	246	10	,	,	PUNCT
ajsts-5819	246	11	152–161	152–161	NUM
ajsts-5819	246	12	.	.	PUNCT
ajsts-5819	247	1	manzoor	manzoor	PROPN
ajsts-5819	247	2	,	,	PUNCT
ajsts-5819	247	3	f.	f.	PROPN
ajsts-5819	247	4	,	,	PUNCT
ajsts-5819	247	5	wei	wei	PROPN
ajsts-5819	247	6	,	,	PUNCT
ajsts-5819	247	7	l.	l.	PROPN
ajsts-5819	247	8	,	,	PUNCT
ajsts-5819	247	9	&	&	CCONJ
ajsts-5819	247	10	sahito	sahito	PROPN
ajsts-5819	247	11	,	,	PUNCT
ajsts-5819	247	12	n.	n.	NOUN
ajsts-5819	247	13	(	(	PUNCT
ajsts-5819	247	14	2021	2021	NUM
ajsts-5819	247	15	)	)	PUNCT
ajsts-5819	247	16	.	.	PUNCT
ajsts-5819	248	1	role	role	NOUN
ajsts-5819	248	2	of	of	ADP
ajsts-5819	248	3	smes	sme	NOUN
ajsts-5819	248	4	in	in	ADP
ajsts-5819	248	5	rural	rural	ADJ
ajsts-5819	248	6	development	development	NOUN
ajsts-5819	248	7	:	:	PUNCT
ajsts-5819	248	8	access	access	NOUN
ajsts-5819	248	9	to	to	ADP
ajsts-5819	248	10	finance	finance	NOUN
ajsts-5819	248	11	as	as	ADP
ajsts-5819	248	12	a	a	DET
ajsts-5819	248	13	mediator	mediator	NOUN
ajsts-5819	248	14	.	.	PUNCT
ajsts-5819	249	1	plos	plos	PROPN
ajsts-5819	249	2	one	one	NUM
ajsts-5819	249	3	,	,	PUNCT
ajsts-5819	249	4	16(3	16(3	PROPN
ajsts-5819	249	5	)	)	PUNCT
ajsts-5819	249	6	,	,	PUNCT
ajsts-5819	249	7	e0247598	e0247598	PROPN
ajsts-5819	249	8	.	.	PUNCT
ajsts-5819	249	9	martinčević	martinčević	PROPN
ajsts-5819	249	10	,	,	PUNCT
ajsts-5819	249	11	i.	i.	PROPN
ajsts-5819	249	12	,	,	PUNCT
ajsts-5819	249	13	črnjević	črnjević	PROPN
ajsts-5819	249	14	,	,	PUNCT
ajsts-5819	249	15	s.	s.	PROPN
ajsts-5819	249	16	,	,	PUNCT
ajsts-5819	249	17	&	&	CCONJ
ajsts-5819	249	18	klopotan	klopotan	PROPN
ajsts-5819	249	19	,	,	PUNCT
ajsts-5819	249	20	i.	i.	PROPN
ajsts-5819	249	21	(	(	PUNCT
ajsts-5819	249	22	2020	2020	NUM
ajsts-5819	249	23	)	)	PUNCT
ajsts-5819	249	24	.	.	PUNCT
ajsts-5819	250	1	the	the	DET
ajsts-5819	250	2	fintech	fintech	NOUN
ajsts-5819	250	3	revolution	revolution	NOUN
ajsts-5819	250	4	in	in	ADP
ajsts-5819	250	5	the	the	DET
ajsts-5819	250	6	financial	financial	ADJ
ajsts-5819	250	7	industry	industry	NOUN
ajsts-5819	250	8	.	.	PUNCT
ajsts-5819	251	1	entrenova	entrenova	PROPN
ajsts-5819	251	2	–	–	PUNCT
ajsts-5819	251	3	enterprise	enterprise	NOUN
ajsts-5819	251	4	research	research	NOUN
ajsts-5819	251	5	innovation	innovation	NOUN
ajsts-5819	251	6	conference	conference	NOUN
ajsts-5819	251	7	proceedings	proceeding	NOUN
ajsts-5819	251	8	,	,	PUNCT
ajsts-5819	251	9	6(1	6(1	NUM
ajsts-5819	251	10	)	)	PUNCT
ajsts-5819	251	11	,	,	PUNCT
ajsts-5819	251	12	563–571	563–571	NUM
ajsts-5819	251	13	.	.	PUNCT
ajsts-5819	252	1	nkoro	nkoro	PROPN
ajsts-5819	252	2	,	,	PUNCT
ajsts-5819	252	3	e.	e.	PROPN
ajsts-5819	252	4	,	,	PUNCT
ajsts-5819	252	5	&	&	CCONJ
ajsts-5819	252	6	uko	uko	PROPN
ajsts-5819	252	7	,	,	PUNCT
ajsts-5819	252	8	a.	a.	PROPN
ajsts-5819	252	9	k.	k.	PROPN
ajsts-5819	252	10	(	(	PUNCT
ajsts-5819	252	11	2016	2016	NUM
ajsts-5819	252	12	)	)	PUNCT
ajsts-5819	252	13	.	.	PUNCT
ajsts-5819	253	1	autoregressive	autoregressive	ADJ
ajsts-5819	253	2	distributed	distribute	VERB
ajsts-5819	253	3	lag	lag	NOUN
ajsts-5819	253	4	(	(	PUNCT
ajsts-5819	253	5	ardl	ardl	NOUN
ajsts-5819	253	6	)	)	PUNCT
ajsts-5819	253	7	cointegration	cointegration	NOUN
ajsts-5819	253	8	technique	technique	NOUN
ajsts-5819	253	9	:	:	PUNCT
ajsts-5819	253	10	application	application	NOUN
ajsts-5819	253	11	and	and	CCONJ
ajsts-5819	253	12	interpretation	interpretation	NOUN
ajsts-5819	253	13	.	.	PUNCT
ajsts-5819	254	1	journal	journal	PROPN
ajsts-5819	254	2	of	of	ADP
ajsts-5819	254	3	statistical	statistical	ADJ
ajsts-5819	254	4	and	and	CCONJ
ajsts-5819	254	5	econometric	econometric	ADJ
ajsts-5819	254	6	methods	method	NOUN
ajsts-5819	254	7	,	,	PUNCT
ajsts-5819	254	8	5(4	5(4	NUM
ajsts-5819	254	9	)	)	PUNCT
ajsts-5819	254	10	,	,	PUNCT
ajsts-5819	254	11	63–91	63–91	NUM
ajsts-5819	254	12	.	.	PUNCT
ajsts-5819	255	1	ojo	ojo	NOUN
ajsts-5819	255	2	,	,	PUNCT
ajsts-5819	255	3	o.	o.	NOUN
ajsts-5819	255	4	,	,	PUNCT
ajsts-5819	255	5	&	&	CCONJ
ajsts-5819	255	6	nwaokike	nwaokike	PROPN
ajsts-5819	255	7	,	,	PUNCT
ajsts-5819	255	8	u.	u.	PROPN
ajsts-5819	255	9	(	(	PUNCT
ajsts-5819	255	10	2018	2018	NUM
ajsts-5819	255	11	)	)	PUNCT
ajsts-5819	255	12	.	.	PUNCT
ajsts-5819	256	1	disruptive	disruptive	ADJ
ajsts-5819	256	2	technology	technology	NOUN
ajsts-5819	256	3	and	and	CCONJ
ajsts-5819	256	4	the	the	DET
ajsts-5819	256	5	fintech	fintech	NOUN
ajsts-5819	256	6	industry	industry	NOUN
ajsts-5819	256	7	in	in	ADP
ajsts-5819	256	8	nigeria	nigeria	PROPN
ajsts-5819	256	9	:	:	PUNCT
ajsts-5819	256	10	imperatives	imperative	NOUN
ajsts-5819	256	11	for	for	ADP
ajsts-5819	256	12	legal	legal	ADJ
ajsts-5819	256	13	and	and	CCONJ
ajsts-5819	256	14	policy	policy	NOUN
ajsts-5819	256	15	responses	response	NOUN
ajsts-5819	256	16	.	.	PUNCT
ajsts-5819	257	1	gravitas	gravita	NOUN
ajsts-5819	257	2	review	review	NOUN
ajsts-5819	257	3	of	of	ADP
ajsts-5819	257	4	business	business	NOUN
ajsts-5819	257	5	and	and	CCONJ
ajsts-5819	257	6	property	property	NOUN
ajsts-5819	257	7	law	law	NOUN
ajsts-5819	257	8	,	,	PUNCT
ajsts-5819	257	9	9(3	9(3	NUM
ajsts-5819	257	10	)	)	PUNCT
ajsts-5819	257	11	,	,	PUNCT
ajsts-5819	257	12	1–18	1–18	PROPN
ajsts-5819	257	13	.	.	PUNCT
ajsts-5819	258	1	okafor	okafor	PROPN
ajsts-5819	258	2	,	,	PUNCT
ajsts-5819	258	3	a.	a.	NOUN
ajsts-5819	258	4	o.	o.	PROPN
ajsts-5819	258	5	,	,	PUNCT
ajsts-5819	258	6	&	&	CCONJ
ajsts-5819	258	7	egiyi	egiyi	PROPN
ajsts-5819	258	8	,	,	PUNCT
ajsts-5819	258	9	e.	e.	PROPN
ajsts-5819	258	10	o.	o.	PROPN
ajsts-5819	258	11	(	(	PUNCT
ajsts-5819	258	12	2021	2021	NUM
ajsts-5819	258	13	)	)	PUNCT
ajsts-5819	258	14	.	.	PUNCT
ajsts-5819	259	1	cloud	cloud	ADJ
ajsts-5819	259	2	accounting	accounting	NOUN
ajsts-5819	259	3	software	software	NOUN
ajsts-5819	259	4	adoption	adoption	NOUN
ajsts-5819	259	5	and	and	CCONJ
ajsts-5819	259	6	operational	operational	ADJ
ajsts-5819	259	7	agility	agility	NOUN
ajsts-5819	259	8	in	in	ADP
ajsts-5819	259	9	nigerian	nigerian	ADJ
ajsts-5819	259	10	firms	firm	NOUN
ajsts-5819	259	11	.	.	PUNCT
ajsts-5819	260	1	research	research	NOUN
ajsts-5819	260	2	journal	journal	PROPN
ajsts-5819	260	3	of	of	ADP
ajsts-5819	260	4	finance	finance	NOUN
ajsts-5819	260	5	and	and	CCONJ
ajsts-5819	260	6	accounting	accounting	NOUN
ajsts-5819	260	7	,	,	PUNCT
ajsts-5819	260	8	12(5	12(5	NUM
ajsts-5819	260	9	)	)	PUNCT
ajsts-5819	260	10	,	,	PUNCT
ajsts-5819	260	11	134–142	134–142	NUM
ajsts-5819	260	12	.	.	PUNCT
ajsts-5819	261	1	okoye	okoye	PROPN
ajsts-5819	261	2	,	,	PUNCT
ajsts-5819	261	3	n.	n.	PROPN
ajsts-5819	261	4	j.	j.	PROPN
ajsts-5819	261	5	,	,	PUNCT
ajsts-5819	261	6	okere	okere	PROPN
ajsts-5819	261	7	,	,	PUNCT
ajsts-5819	261	8	w.	w.	PROPN
ajsts-5819	261	9	,	,	PUNCT
ajsts-5819	261	10	ogechukwu	ogechukwu	ADJ
ajsts-5819	261	11	-	-	PUNCT
ajsts-5819	261	12	onyema	onyema	NOUN
ajsts-5819	261	13	,	,	PUNCT
ajsts-5819	261	14	i.	i.	NOUN
ajsts-5819	261	15	,	,	PUNCT
ajsts-5819	261	16	&	&	CCONJ
ajsts-5819	261	17	chimdinma	chimdinma	X
ajsts-5819	261	18	,	,	PUNCT
ajsts-5819	261	19	o.	o.	INTJ
ajsts-5819	261	20	(	(	PUNCT
ajsts-5819	261	21	2024	2024	NUM
ajsts-5819	261	22	)	)	PUNCT
ajsts-5819	261	23	.	.	PUNCT
ajsts-5819	262	1	financial	financial	ADJ
ajsts-5819	262	2	technology	technology	NOUN
ajsts-5819	262	3	and	and	CCONJ
ajsts-5819	262	4	the	the	DET
ajsts-5819	262	5	performance	performance	NOUN
ajsts-5819	262	6	of	of	ADP
ajsts-5819	262	7	firms	firm	NOUN
ajsts-5819	262	8	in	in	ADP
ajsts-5819	262	9	nigeria	nigeria	PROPN
ajsts-5819	262	10	.	.	PUNCT
ajsts-5819	263	1	international	international	ADJ
ajsts-5819	263	2	journal	journal	PROPN
ajsts-5819	263	3	of	of	ADP
ajsts-5819	263	4	social	social	ADJ
ajsts-5819	263	5	science	science	NOUN
ajsts-5819	263	6	,	,	PUNCT
ajsts-5819	263	7	technology	technology	NOUN
ajsts-5819	263	8	and	and	CCONJ
ajsts-5819	263	9	economics	economic	NOUN
ajsts-5819	263	10	management	management	NOUN
ajsts-5819	263	11	,	,	PUNCT
ajsts-5819	263	12	2(1	2(1	NUM
ajsts-5819	263	13	)	)	PUNCT
ajsts-5819	263	14	,	,	PUNCT
ajsts-5819	263	15	52–71	52–71	NUM
ajsts-5819	263	16	.	.	PUNCT
ajsts-5819	263	17	onaseso	onaseso	NOUN
ajsts-5819	263	18	,	,	PUNCT
ajsts-5819	263	19	o.	o.	NOUN
ajsts-5819	263	20	o.	o.	NOUN
ajsts-5819	263	21	(	(	PUNCT
ajsts-5819	263	22	2021	2021	NUM
ajsts-5819	263	23	)	)	PUNCT
ajsts-5819	263	24	.	.	PUNCT
ajsts-5819	264	1	the	the	DET
ajsts-5819	264	2	convergence	convergence	NOUN
ajsts-5819	264	3	of	of	ADP
ajsts-5819	264	4	fintech	fintech	NOUN
ajsts-5819	264	5	and	and	CCONJ
ajsts-5819	264	6	supply	supply	NOUN
ajsts-5819	264	7	chain	chain	NOUN
ajsts-5819	264	8	digitization	digitization	NOUN
ajsts-5819	264	9	in	in	ADP
ajsts-5819	264	10	modern	modern	ADJ
ajsts-5819	264	11	enterprises	enterprise	NOUN
ajsts-5819	264	12	.	.	PUNCT
ajsts-5819	265	1	world	world	PROPN
ajsts-5819	265	2	journal	journal	PROPN
ajsts-5819	265	3	of	of	ADP
ajsts-5819	265	4	advanced	advanced	ADJ
ajsts-5819	265	5	research	research	NOUN
ajsts-5819	265	6	and	and	CCONJ
ajsts-5819	265	7	reviews	review	NOUN
ajsts-5819	265	8	,	,	PUNCT
ajsts-5819	265	9	10(1	10(1	NUM
ajsts-5819	265	10	)	)	PUNCT
ajsts-5819	265	11	,	,	PUNCT
ajsts-5819	265	12	187–195	187–195	NUM
ajsts-5819	265	13	.	.	PUNCT
ajsts-5819	266	1	otonne	otonne	PROPN
ajsts-5819	266	2	,	,	PUNCT
ajsts-5819	266	3	a.	a.	PROPN
ajsts-5819	266	4	,	,	PUNCT
ajsts-5819	266	5	melikam	melikam	PROPN
ajsts-5819	266	6	,	,	PUNCT
ajsts-5819	266	7	w.	w.	PROPN
ajsts-5819	266	8	,	,	PUNCT
ajsts-5819	266	9	&	&	CCONJ
ajsts-5819	266	10	ige	ige	PROPN
ajsts-5819	266	11	,	,	PUNCT
ajsts-5819	266	12	o.	o.	NOUN
ajsts-5819	266	13	t.	t.	PROPN
ajsts-5819	266	14	(	(	PUNCT
ajsts-5819	266	15	2023	2023	NUM
ajsts-5819	266	16	)	)	PUNCT
ajsts-5819	266	17	.	.	PUNCT
ajsts-5819	267	1	adoption	adoption	NOUN
ajsts-5819	267	2	of	of	ADP
ajsts-5819	267	3	financial	financial	ADJ
ajsts-5819	267	4	technology	technology	NOUN
ajsts-5819	267	5	and	and	CCONJ
ajsts-5819	267	6	performance	performance	NOUN
ajsts-5819	267	7	of	of	ADP
ajsts-5819	267	8	deposit	deposit	NOUN
ajsts-5819	267	9	money	money	NOUN
ajsts-5819	267	10	banks	bank	NOUN
ajsts-5819	267	11	in	in	ADP
ajsts-5819	267	12	nigeria	nigeria	PROPN
ajsts-5819	267	13	.	.	PUNCT
ajsts-5819	268	1	futurity	futurity	NOUN
ajsts-5819	268	2	economics	economics	PROPN
ajsts-5819	268	3	&	&	CCONJ
ajsts-5819	268	4	law	law	PROPN
ajsts-5819	268	5	,	,	PUNCT
ajsts-5819	268	6	3(2	3(2	NUM
ajsts-5819	268	7	)	)	PUNCT
ajsts-5819	268	8	,	,	PUNCT
ajsts-5819	268	9	95–114	95–114	PROPN
ajsts-5819	268	10	.	.	PUNCT
ajsts-5819	268	11	pesaran	pesaran	PROPN
ajsts-5819	268	12	,	,	PUNCT
ajsts-5819	268	13	m.	m.	PROPN
ajsts-5819	268	14	h.	h.	PROPN
ajsts-5819	268	15	,	,	PUNCT
ajsts-5819	268	16	shin	shin	PROPN
ajsts-5819	268	17	,	,	PUNCT
ajsts-5819	268	18	y.	y.	PROPN
ajsts-5819	268	19	,	,	PUNCT
ajsts-5819	268	20	&	&	CCONJ
ajsts-5819	268	21	smith	smith	PROPN
ajsts-5819	268	22	,	,	PUNCT
ajsts-5819	268	23	r.	r.	PROPN
ajsts-5819	268	24	j.	j.	PROPN
ajsts-5819	268	25	(	(	PUNCT
ajsts-5819	268	26	2001	2001	NUM
ajsts-5819	268	27	)	)	PUNCT
ajsts-5819	268	28	.	.	PUNCT
ajsts-5819	269	1	bounds	bound	VERB
ajsts-5819	269	2	testing	test	VERB
ajsts-5819	269	3	approaches	approach	NOUN
ajsts-5819	269	4	to	to	ADP
ajsts-5819	269	5	the	the	DET
ajsts-5819	269	6	analysis	analysis	NOUN
ajsts-5819	269	7	of	of	ADP
ajsts-5819	269	8	level	level	NOUN
ajsts-5819	269	9	relationships	relationship	NOUN
ajsts-5819	269	10	.	.	PUNCT
ajsts-5819	270	1	journal	journal	NOUN
ajsts-5819	270	2	of	of	ADP
ajsts-5819	270	3	applied	applied	ADJ
ajsts-5819	270	4	econometrics	econometric	NOUN
ajsts-5819	270	5	,	,	PUNCT
ajsts-5819	270	6	16(3	16(3	NOUN
ajsts-5819	270	7	)	)	PUNCT
ajsts-5819	270	8	,	,	PUNCT
ajsts-5819	270	9	289–326	289–326	NUM
ajsts-5819	270	10	.	.	PUNCT
ajsts-5819	271	1	siano	siano	PROPN
ajsts-5819	271	2	,	,	PUNCT
ajsts-5819	271	3	a.	a.	PROPN
ajsts-5819	271	4	,	,	PUNCT
ajsts-5819	271	5	raimi	raimi	PROPN
ajsts-5819	271	6	,	,	PUNCT
ajsts-5819	271	7	l.	l.	PROPN
ajsts-5819	271	8	,	,	PUNCT
ajsts-5819	271	9	palazzo	palazzo	PROPN
ajsts-5819	271	10	,	,	PUNCT
ajsts-5819	271	11	m.	m.	NOUN
ajsts-5819	271	12	,	,	PUNCT
ajsts-5819	271	13	&	&	CCONJ
ajsts-5819	271	14	panait	panait	PROPN
ajsts-5819	271	15	,	,	PUNCT
ajsts-5819	271	16	m.	m.	NOUN
ajsts-5819	271	17	c.	c.	PROPN
ajsts-5819	271	18	(	(	PUNCT
ajsts-5819	271	19	2020	2020	NUM
ajsts-5819	271	20	)	)	PUNCT
ajsts-5819	271	21	.	.	PUNCT
ajsts-5819	272	1	mobile	mobile	ADJ
ajsts-5819	272	2	banking	banking	NOUN
ajsts-5819	272	3	as	as	ADP
ajsts-5819	272	4	an	an	DET
ajsts-5819	272	5	innovative	innovative	ADJ
ajsts-5819	272	6	solution	solution	NOUN
ajsts-5819	272	7	for	for	ADP
ajsts-5819	272	8	increasing	increase	VERB
ajsts-5819	272	9	financial	financial	ADJ
ajsts-5819	272	10	inclusion	inclusion	NOUN
ajsts-5819	272	11	in	in	ADP
ajsts-5819	272	12	sub	sub	ADJ
ajsts-5819	272	13	-	-	ADJ
ajsts-5819	272	14	saharan	saharan	ADJ
ajsts-5819	272	15	africa	africa	PROPN
ajsts-5819	272	16	:	:	PUNCT
ajsts-5819	272	17	evidence	evidence	NOUN
ajsts-5819	272	18	from	from	ADP
ajsts-5819	272	19	nigeria	nigeria	PROPN
ajsts-5819	272	20	.	.	PUNCT
ajsts-5819	273	1	sustainability	sustainability	NOUN
ajsts-5819	273	2	,	,	PUNCT
ajsts-5819	273	3	12(23	12(23	NOUN
ajsts-5819	273	4	)	)	PUNCT
ajsts-5819	273	5	,	,	PUNCT
ajsts-5819	273	6	10130	10130	NUM
ajsts-5819	273	7	.	.	PUNCT
ajsts-5819	274	1	suryono	suryono	PROPN
ajsts-5819	274	2	,	,	PUNCT
ajsts-5819	274	3	r.	r.	PROPN
ajsts-5819	274	4	r.	r.	PROPN
ajsts-5819	274	5	,	,	PUNCT
ajsts-5819	274	6	budi	budi	PROPN
ajsts-5819	274	7	,	,	PUNCT
ajsts-5819	274	8	i.	i.	PROPN
ajsts-5819	274	9	,	,	PUNCT
ajsts-5819	274	10	&	&	CCONJ
ajsts-5819	274	11	purwandari	purwandari	PROPN
ajsts-5819	274	12	,	,	PUNCT
ajsts-5819	274	13	b.	b.	PROPN
ajsts-5819	274	14	(	(	PUNCT
ajsts-5819	274	15	2020	2020	NUM
ajsts-5819	274	16	)	)	PUNCT
ajsts-5819	274	17	.	.	PUNCT
ajsts-5819	275	1	challenges	challenge	NOUN
ajsts-5819	275	2	and	and	CCONJ
ajsts-5819	275	3	trends	trend	NOUN
ajsts-5819	275	4	of	of	ADP
ajsts-5819	275	5	financial	financial	ADJ
ajsts-5819	275	6	technology	technology	NOUN
ajsts-5819	275	7	(	(	PUNCT
ajsts-5819	275	8	fintech	fintech	NOUN
ajsts-5819	275	9	):	):	PUNCT
ajsts-5819	275	10	a	a	DET
ajsts-5819	275	11	systematic	systematic	ADJ
ajsts-5819	275	12	literature	literature	NOUN
ajsts-5819	275	13	review	review	NOUN
ajsts-5819	275	14	.	.	PUNCT
ajsts-5819	276	1	information	information	NOUN
ajsts-5819	276	2	,	,	PUNCT
ajsts-5819	276	3	11(12	11(12	NUM
ajsts-5819	276	4	)	)	PUNCT
ajsts-5819	276	5	,	,	PUNCT
ajsts-5819	276	6	590	590	NUM
ajsts-5819	276	7	.	.	PUNCT
ajsts-5819	277	1	traill	traill	PROPN
ajsts-5819	277	2	,	,	PUNCT
ajsts-5819	277	3	a.	a.	NOUN
ajsts-5819	277	4	,	,	PUNCT
ajsts-5819	277	5	akinbamini	akinbamini	PROPN
ajsts-5819	277	6	,	,	PUNCT
ajsts-5819	277	7	e.	e.	PROPN
ajsts-5819	277	8	,	,	PUNCT
ajsts-5819	277	9	vargas	vargas	PROPN
ajsts-5819	277	10	,	,	PUNCT
ajsts-5819	277	11	a.	a.	PROPN
ajsts-5819	277	12	,	,	PUNCT
ajsts-5819	277	13	boza	boza	PROPN
ajsts-5819	277	14	,	,	PUNCT
ajsts-5819	277	15	a.	a.	PROPN
ajsts-5819	277	16	,	,	PUNCT
ajsts-5819	277	17	&	&	CCONJ
ajsts-5819	277	18	cuenca	cuenca	PROPN
ajsts-5819	277	19	,	,	PUNCT
ajsts-5819	277	20	l.	l.	PROPN
ajsts-5819	277	21	(	(	PUNCT
ajsts-5819	277	22	2023	2023	NUM
ajsts-5819	277	23	)	)	PUNCT
ajsts-5819	277	24	.	.	PUNCT
ajsts-5819	278	1	adoption	adoption	NOUN
ajsts-5819	278	2	of	of	ADP
ajsts-5819	278	3	supply	supply	NOUN
ajsts-5819	278	4	chain	chain	NOUN
ajsts-5819	278	5	collaboration	collaboration	NOUN
ajsts-5819	278	6	technologies	technology	NOUN
ajsts-5819	278	7	in	in	ADP
ajsts-5819	278	8	developing	develop	VERB
ajsts-5819	278	9	countries	country	NOUN
ajsts-5819	278	10	:	:	PUNCT
ajsts-5819	278	11	a	a	DET
ajsts-5819	278	12	survey	survey	NOUN
ajsts-5819	278	13	in	in	ADP
ajsts-5819	278	14	nigeria	nigeria	PROPN
ajsts-5819	278	15	’s	’s	PART
ajsts-5819	278	16	food	food	NOUN
ajsts-5819	278	17	logistics	logistic	NOUN
ajsts-5819	278	18	.	.	PUNCT
ajsts-5819	279	1	logistics	logistic	NOUN
ajsts-5819	279	2	,	,	PUNCT
ajsts-5819	279	3	7(2	7(2	NUM
ajsts-5819	279	4	)	)	PUNCT
ajsts-5819	279	5	,	,	PUNCT
ajsts-5819	279	6	22	22	NUM
ajsts-5819	279	7	.	.	PUNCT
ajsts-5819	280	1	wetzel	wetzel	PROPN
ajsts-5819	280	2	,	,	PUNCT
ajsts-5819	280	3	p.	p.	PROPN
ajsts-5819	280	4	,	,	PUNCT
ajsts-5819	280	5	&	&	CCONJ
ajsts-5819	280	6	hofmann	hofmann	PROPN
ajsts-5819	280	7	,	,	PUNCT
ajsts-5819	280	8	e.	e.	PROPN
ajsts-5819	280	9	(	(	PUNCT
ajsts-5819	280	10	2019	2019	NUM
ajsts-5819	280	11	)	)	PUNCT
ajsts-5819	280	12	.	.	PUNCT
ajsts-5819	281	1	financing	finance	VERB
ajsts-5819	281	2	working	work	VERB
ajsts-5819	281	3	capital	capital	NOUN
ajsts-5819	281	4	along	along	ADP
ajsts-5819	281	5	the	the	DET
ajsts-5819	281	6	supply	supply	NOUN
ajsts-5819	281	7	chain	chain	NOUN
ajsts-5819	281	8	:	:	PUNCT
ajsts-5819	281	9	technology	technology	NOUN
ajsts-5819	281	10	,	,	PUNCT
ajsts-5819	281	11	cash	cash	NOUN
ajsts-5819	281	12	flows	flow	NOUN
ajsts-5819	281	13	,	,	PUNCT
ajsts-5819	281	14	and	and	CCONJ
ajsts-5819	281	15	cost	cost	NOUN
ajsts-5819	281	16	considerations	consideration	NOUN
ajsts-5819	281	17	.	.	PUNCT
ajsts-5819	282	1	journal	journal	NOUN
ajsts-5819	282	2	of	of	ADP
ajsts-5819	282	3	applied	apply	VERB
ajsts-5819	282	4	accounting	accounting	NOUN
ajsts-5819	282	5	research	research	NOUN
ajsts-5819	282	6	,	,	PUNCT
ajsts-5819	282	7	20(1	20(1	NUM
ajsts-5819	282	8	)	)	PUNCT
ajsts-5819	282	9	,	,	PUNCT
ajsts-5819	282	10	84–99	84–99	NUM
ajsts-5819	282	11	.	.	PUNCT
ajsts-5819	283	1	world	world	PROPN
ajsts-5819	283	2	bank	bank	PROPN
ajsts-5819	283	3	(	(	PUNCT
ajsts-5819	283	4	2023	2023	NUM
ajsts-5819	283	5	)	)	PUNCT
ajsts-5819	283	6	.	.	PUNCT
ajsts-5819	284	1	connecting	connect	VERB
ajsts-5819	284	2	to	to	PART
ajsts-5819	284	3	compete	compete	VERB
ajsts-5819	284	4	2023	2023	NUM
ajsts-5819	284	5	:	:	PUNCT
ajsts-5819	284	6	trade	trade	NOUN
ajsts-5819	284	7	logistics	logistic	NOUN
ajsts-5819	284	8	in	in	ADP
ajsts-5819	284	9	an	an	DET
ajsts-5819	284	10	uncertain	uncertain	ADJ
ajsts-5819	284	11	global	global	ADJ
ajsts-5819	284	12	economy	economy	NOUN
ajsts-5819	284	13	.	.	PUNCT
ajsts-5819	285	1	washington	washington	PROPN
ajsts-5819	285	2	,	,	PUNCT
ajsts-5819	285	3	dc	dc	PROPN
ajsts-5819	285	4	:	:	PUNCT
ajsts-5819	285	5	world	world	PROPN
ajsts-5819	285	6	bank	bank	PROPN
ajsts-5819	285	7	.	.	PUNCT