id	sid	eid	entity	type
arjefm-1113	1	1	american research journal of economics	ORG
arjefm-1113	1	2	12	CARDINAL
arjefm-1113	1	3	3	CARDINAL
arjefm-1113	1	4	2836-9416	CARDINAL
arjefm-1113	1	5	5.57	CARDINAL
arjefm-1113	1	6	america	GPE
arjefm-1113	1	7	american research journal of economics	ORG
arjefm-1113	2	1	93	CARDINAL
arjefm-1113	3	1	nigerian	NORP
arjefm-1113	3	2	1aniefiok	CARDINAL
arjefm-1113	3	3	okon akpan	PERSON
arjefm-1113	3	4	raymond enang	PERSON
arjefm-1113	3	5	david essien 1department	PERSON
arjefm-1113	3	6	university of uyo	ORG
arjefm-1113	3	7	uyo	GPE
arjefm-1113	3	8	akwa ibom state	GPE
arjefm-1113	3	9	nigeria	GPE
arjefm-1113	4	1	2department	CARDINAL
arjefm-1113	4	2	university of uyo	ORG
arjefm-1113	4	3	uyo	GPE
arjefm-1113	4	4	akwa ibom state	GPE
arjefm-1113	5	1	3department	CARDINAL
arjefm-1113	5	2	akwa ibom state university	ORG
arjefm-1113	5	3	akwa ibom state	GPE
arjefm-1113	5	4	nigeria	GPE
arjefm-1113	5	5	nigerian	NORP
arjefm-1113	7	1	clv	ORG
arjefm-1113	9	1	nigerian	NORP
arjefm-1113	11	1	nigerian	NORP
arjefm-1113	12	1	today	DATE
arjefm-1113	15	1	mailto:contact@americaserial.com	ORG
arjefm-1113	15	2	https://doi.org/10.5281/zenodo.13832449 american research journal of economics	ORG
arjefm-1113	15	3	12	CARDINAL
arjefm-1113	15	4	3	CARDINAL
arjefm-1113	15	5	2836-9416	CARDINAL
arjefm-1113	15	6	5.57	CARDINAL
arjefm-1113	15	7	america	GPE
arjefm-1113	15	8	american research journal of economics	ORG
arjefm-1113	16	1	94	MONEY
arjefm-1113	17	1	gupta & zeithaml,	ORG
arjefm-1113	17	2	2006	DATE
arjefm-1113	18	1	nigerian	NORP
arjefm-1113	18	2	the past two decades	DATE
arjefm-1113	19	1	nigeria	GPE
arjefm-1113	19	2	2020	DATE
arjefm-1113	20	1	nigerian	NORP
arjefm-1113	20	2	2018	DATE
arjefm-1113	23	1	, 2004	DATE
arjefm-1113	24	1	one	CARDINAL
arjefm-1113	24	2	2004	DATE
arjefm-1113	26	1	nigerian	NORP
arjefm-1113	26	2	2020	DATE
arjefm-1113	28	1	nigeria	GPE
arjefm-1113	28	2	2019	DATE
arjefm-1113	29	1	nigerian	NORP
arjefm-1113	30	1	nigerian	NORP
arjefm-1113	31	1	nigerian	NORP
arjefm-1113	32	1	nigerian	NORP
arjefm-1113	33	1	1	CARDINAL
arjefm-1113	33	2	nigerian	NORP
arjefm-1113	34	1	2	CARDINAL
arjefm-1113	34	2	nigerian	NORP
arjefm-1113	35	1	nigerian	NORP
arjefm-1113	36	1	mailto:contact@americaserial.com mailto:contact@americaserial.com	ORG
arjefm-1113	37	1	american research journal of economics	ORG
arjefm-1113	37	2	12	CARDINAL
arjefm-1113	37	3	3	CARDINAL
arjefm-1113	37	4	2836-9416	CARDINAL
arjefm-1113	37	5	5.57	CARDINAL
arjefm-1113	37	6	america	GPE
arjefm-1113	37	7	american research journal of economics	ORG
arjefm-1113	38	1	95	CARDINAL
arjefm-1113	39	1	nigerian	NORP
arjefm-1113	41	1	gupta & zeithaml,	ORG
arjefm-1113	41	2	2006	DATE
arjefm-1113	43	1	2020	DATE
arjefm-1113	44	1	nigerian	NORP
arjefm-1113	45	1	2019	DATE
arjefm-1113	46	1	clv	ORG
arjefm-1113	46	2	2004	DATE
arjefm-1113	49	1	clv	ORG
arjefm-1113	49	2	gupta & zeithaml,	ORG
arjefm-1113	49	3	2006	DATE
arjefm-1113	50	1	nigerian	NORP
arjefm-1113	51	1	adeleye & adebayo	ORG
arjefm-1113	51	2	2020	DATE
arjefm-1113	52	1	, 2004	DATE
arjefm-1113	54	1	mailto:contact@americaserial.com mailto:contact@americaserial.com	ORG
arjefm-1113	54	2	american research journal of economics	ORG
arjefm-1113	54	3	12	CARDINAL
arjefm-1113	54	4	3	CARDINAL
arjefm-1113	54	5	2836-9416	CARDINAL
arjefm-1113	54	6	5.57	CARDINAL
arjefm-1113	54	7	america	GPE
arjefm-1113	54	8	american research journal of economics	ORG
arjefm-1113	55	1	96	MONEY
arjefm-1113	56	1	2004	DATE
arjefm-1113	57	1	nigerian	NORP
arjefm-1113	58	1	2019	DATE
arjefm-1113	59	1	nigerian	NORP
arjefm-1113	60	1	nigerian	NORP
arjefm-1113	60	2	2018	DATE
arjefm-1113	62	1	adeleye & adebayo	ORG
arjefm-1113	62	2	2020	DATE
arjefm-1113	63	1	nigerian	NORP
arjefm-1113	64	1	2019	DATE
arjefm-1113	65	1	nigerian	NORP
arjefm-1113	65	2	nigerian	NORP
arjefm-1113	66	1	one	CARDINAL
arjefm-1113	66	2	ogunleye	ORG
arjefm-1113	66	3	2018	DATE
arjefm-1113	67	1	adeleye & adebayo	ORG
arjefm-1113	67	2	2020	DATE
arjefm-1113	69	1	two	CARDINAL
arjefm-1113	70	1	nigerian	NORP
arjefm-1113	72	1	1983	DATE
arjefm-1113	73	1	1994	DATE
arjefm-1113	76	1	american research journal of economics	ORG
arjefm-1113	76	2	12	CARDINAL
arjefm-1113	76	3	3	CARDINAL
arjefm-1113	76	4	2836-9416	CARDINAL
arjefm-1113	76	5	5.57	CARDINAL
arjefm-1113	76	6	america	GPE
arjefm-1113	76	7	american research journal of economics	ORG
arjefm-1113	76	8	97	CARDINAL
arjefm-1113	77	1	nigerian	NORP
arjefm-1113	78	1	gupta & zeithaml,	ORG
arjefm-1113	78	2	2006	DATE
arjefm-1113	81	1	nigerian	NORP
arjefm-1113	81	2	, 2004	DATE
arjefm-1113	82	1	1991	DATE
arjefm-1113	84	1	1984	DATE
arjefm-1113	85	1	nigerian	NORP
arjefm-1113	86	1	1991	DATE
arjefm-1113	88	1	nigerian	NORP
arjefm-1113	89	1	adeleye & adebayo	ORG
arjefm-1113	89	2	2020	DATE
arjefm-1113	90	1	nigerian	NORP
arjefm-1113	92	1	mailto:contact@americaserial.com mailto:contact@americaserial.com	ORG
arjefm-1113	93	1	american research journal of economics	ORG
arjefm-1113	93	2	12	CARDINAL
arjefm-1113	93	3	3	CARDINAL
arjefm-1113	93	4	2836-9416	CARDINAL
arjefm-1113	93	5	5.57	CARDINAL
arjefm-1113	93	6	america	GPE
arjefm-1113	93	7	american research journal of economics	ORG
arjefm-1113	93	8	98	CARDINAL
arjefm-1113	94	1	nigerian	NORP
arjefm-1113	95	1	nigerian	NORP
arjefm-1113	96	1	kumar & reinartz	ORG
arjefm-1113	96	2	2016	CARDINAL
arjefm-1113	96	3	germany	GPE
arjefm-1113	97	1	200	CARDINAL
arjefm-1113	99	1	chong et al	PERSON
arjefm-1113	100	1	2017	CARDINAL
arjefm-1113	100	2	australian	NORP
arjefm-1113	101	1	100	CARDINAL
arjefm-1113	103	1	nguyen et al	PERSON
arjefm-1113	103	2	2020	DATE
arjefm-1113	103	3	vietnam	GPE
arjefm-1113	104	1	150	CARDINAL
arjefm-1113	106	1	kumar et al	PERSON
arjefm-1113	107	1	2018	DATE
arjefm-1113	107	2	u.s.	GPE
arjefm-1113	108	1	200	CARDINAL
arjefm-1113	110	1	cohen & kietzmann	ORG
arjefm-1113	110	2	2016	CARDINAL
arjefm-1113	110	3	the united states	GPE
arjefm-1113	111	1	four	CARDINAL
arjefm-1113	113	1	ogunleye & adebayo	ORG
arjefm-1113	113	2	2020	DATE
arjefm-1113	113	3	nigerian	NORP
arjefm-1113	114	1	15	CARDINAL
arjefm-1113	114	2	12%	PERCENT
arjefm-1113	115	1	mailto:contact@americaserial.com mailto:contact@americaserial.com	ORG
arjefm-1113	116	1	american research journal of economics	ORG
arjefm-1113	116	2	12	CARDINAL
arjefm-1113	116	3	3	CARDINAL
arjefm-1113	116	4	2836-9416	CARDINAL
arjefm-1113	116	5	5.57	CARDINAL
arjefm-1113	116	6	america	GPE
arjefm-1113	116	7	american research journal of economics	ORG
arjefm-1113	117	1	99	CARDINAL
arjefm-1113	119	1	nigerian	NORP
arjefm-1113	120	1	2019	DATE
arjefm-1113	120	2	nigerian	NORP
arjefm-1113	121	1	150	CARDINAL
arjefm-1113	123	1	johnson & ekwueme	ORG
arjefm-1113	123	2	2017	CARDINAL
arjefm-1113	123	3	nigerian	NORP
arjefm-1113	124	1	3,000	CARDINAL
arjefm-1113	126	1	2021	CARDINAL
arjefm-1113	126	2	nigerian	NORP
arjefm-1113	127	1	five	CARDINAL
arjefm-1113	127	2	15%	PERCENT
arjefm-1113	129	1	olufemi &	ORG
arjefm-1113	129	2	2018	DATE
arjefm-1113	129	3	nigerian	NORP
arjefm-1113	130	1	10	CARDINAL
arjefm-1113	130	2	two years	DATE
arjefm-1113	131	1	20%	PERCENT
arjefm-1113	132	1	ayodeji & hassan	ORG
arjefm-1113	132	2	2020	DATE
arjefm-1113	132	3	nigerian	NORP
arjefm-1113	133	1	500	CARDINAL
arjefm-1113	135	1	nwachukwu & nwosu	ORG
arjefm-1113	135	2	2019	DATE
arjefm-1113	135	3	nigerian	NORP
arjefm-1113	136	1	20	CARDINAL
arjefm-1113	138	1	mailto:contact@americaserial.com mailto:contact@americaserial.com	ORG
arjefm-1113	139	1	american research journal of economics	ORG
arjefm-1113	139	2	12	CARDINAL
arjefm-1113	139	3	3	CARDINAL
arjefm-1113	139	4	2836-9416	CARDINAL
arjefm-1113	139	5	5.57	CARDINAL
arjefm-1113	139	6	america	GPE
arjefm-1113	139	7	american research journal of economics	ORG
arjefm-1113	139	8	100	MONEY
arjefm-1113	140	1	2021	CARDINAL
arjefm-1113	140	2	nigerian	NORP
arjefm-1113	141	1	400	CARDINAL
arjefm-1113	143	1	okoye &	ORG
arjefm-1113	143	2	2019	DATE
arjefm-1113	143	3	nigerian	NORP
arjefm-1113	144	1	18%	PERCENT
arjefm-1113	146	1	obi &	ORG
arjefm-1113	146	2	2020	DATE
arjefm-1113	146	3	nigerian	NORP
arjefm-1113	147	1	five	CARDINAL
arjefm-1113	148	1	nigerian	NORP
arjefm-1113	150	1	nigerian	NORP
arjefm-1113	151	1	nigeria	GPE
arjefm-1113	152	1	nigeria	GPE
arjefm-1113	153	1	cochran	ORG
arjefm-1113	153	2	300	CARDINAL
arjefm-1113	155	1	three	CARDINAL
arjefm-1113	155	2	years	DATE
arjefm-1113	157	1	1	CARDINAL
arjefm-1113	157	2	5	CARDINAL
arjefm-1113	161	1	american research journal of economics	ORG
arjefm-1113	161	2	12	CARDINAL
arjefm-1113	161	3	3	CARDINAL
arjefm-1113	161	4	2836-9416	CARDINAL
arjefm-1113	161	5	5.57	CARDINAL
arjefm-1113	161	6	america	GPE
arjefm-1113	161	7	american research journal of economics	ORG
arjefm-1113	162	1	101	MONEY
arjefm-1113	171	1	the institutional review board	ORG
arjefm-1113	173	1	nigerian	NORP
arjefm-1113	174	1	1	CARDINAL
arjefm-1113	174	2	1	CARDINAL
arjefm-1113	174	3	180	CARDINAL
arjefm-1113	174	4	120	CARDINAL
arjefm-1113	174	5	40.0	MONEY
arjefm-1113	174	6	18-30	PERCENT
arjefm-1113	175	1	30.0 31-45	DATE
arjefm-1113	175	2	40.0	CARDINAL
arjefm-1113	175	3	30 10.0	CARDINAL
arjefm-1113	175	4	mailto:contact@americaserial.com mailto:contact@americaserial.com	ORG
arjefm-1113	175	5	american research journal of economics	ORG
arjefm-1113	175	6	12	CARDINAL
arjefm-1113	175	7	3	CARDINAL
arjefm-1113	175	8	2836-9416	CARDINAL
arjefm-1113	175	9	5.57	CARDINAL
arjefm-1113	176	1	america	GPE
arjefm-1113	176	2	american research journal of economics	ORG
arjefm-1113	176	3	102	MONEY
arjefm-1113	177	1	180 60.0	QUANTITY
arjefm-1113	177	2	90 30.0	CARDINAL
arjefm-1113	177	3	30 10.0	CARDINAL
arjefm-1113	177	4	60%	PERCENT
arjefm-1113	177	5	31-45 years	DATE
arjefm-1113	177	6	40%	PERCENT
arjefm-1113	178	1	60%	PERCENT
arjefm-1113	179	1	two	CARDINAL
arjefm-1113	179	2	nigerian	NORP
arjefm-1113	180	1	clv	ORG
arjefm-1113	181	1	pearson correlation analysis	ORG
arjefm-1113	181	2	0.70	CARDINAL
arjefm-1113	181	3	0.01	CARDINAL
arjefm-1113	181	4	clv	ORG
arjefm-1113	181	5	clv	ORG
arjefm-1113	183	1	0.28 0.001	CARDINAL
arjefm-1113	183	2	0.01	CARDINAL
arjefm-1113	184	1	1	CARDINAL
arjefm-1113	184	2	0.70	CARDINAL
arjefm-1113	184	3	clv	ORG
arjefm-1113	186	1	2	CARDINAL
arjefm-1113	186	2	0.28	CARDINAL
arjefm-1113	186	3	0.001	CARDINAL
arjefm-1113	188	1	mailto:contact@americaserial.com mailto:contact@americaserial.com	ORG
arjefm-1113	188	2	american research journal of economics	ORG
arjefm-1113	188	3	12	CARDINAL
arjefm-1113	188	4	3	CARDINAL
arjefm-1113	188	5	2836-9416	CARDINAL
arjefm-1113	188	6	5.57	CARDINAL
arjefm-1113	188	7	america	GPE
arjefm-1113	188	8	american research journal of economics	ORG
arjefm-1113	188	9	103	CARDINAL
arjefm-1113	189	1	nigerian	NORP
arjefm-1113	191	1	1	CARDINAL
arjefm-1113	191	2	0.70	CARDINAL
arjefm-1113	191	3	clv	ORG
arjefm-1113	192	1	kumar & reinartz	ORG
arjefm-1113	192	2	2016	DATE
arjefm-1113	193	1	clv	ORG
arjefm-1113	194	1	2	CARDINAL
arjefm-1113	194	2	0.28	CARDINAL
arjefm-1113	195	1	1956	DATE
arjefm-1113	197	1	nigerian	NORP
arjefm-1113	198	1	1	CARDINAL
arjefm-1113	198	2	clv	ORG
arjefm-1113	198	3	clv	ORG
arjefm-1113	199	1	2	CARDINAL
arjefm-1113	201	1	nigerian	NORP
arjefm-1113	205	1	american research journal of economics	ORG
arjefm-1113	205	2	12	CARDINAL
arjefm-1113	205	3	3	CARDINAL
arjefm-1113	205	4	2836-9416	CARDINAL
arjefm-1113	205	5	5.57	CARDINAL
arjefm-1113	205	6	america	GPE
arjefm-1113	205	7	american research journal of economics	ORG
arjefm-1113	206	1	104	MONEY
arjefm-1113	207	1	nigerian	NORP
arjefm-1113	208	1	1	CARDINAL
arjefm-1113	210	1	2	CARDINAL
arjefm-1113	212	1	3	CARDINAL
arjefm-1113	214	1	4	CARDINAL
arjefm-1113	216	1	nigerian	NORP
arjefm-1113	217	1	t., & odum	ORG
arjefm-1113	217	2	i.	PERSON
arjefm-1113	217	3	2021	CARDINAL
arjefm-1113	218	1	nigerian	NORP
arjefm-1113	219	1	28(4	CARDINAL
arjefm-1113	219	2	85	CARDINAL
arjefm-1113	220	1	b., & adebayo	ORG
arjefm-1113	220	2	t.	PERSON
arjefm-1113	220	3	2020	DATE
arjefm-1113	221	1	nigerian	NORP
arjefm-1113	222	1	45	CARDINAL
arjefm-1113	223	1	m. a.	PERSON
arjefm-1113	223	2	a. o.	PERSON
arjefm-1113	223	3	2020	DATE
arjefm-1113	224	1	nigerian	NORP
arjefm-1113	225	1	african journal of business management	ORG
arjefm-1113	225	2	14(6	DATE
arjefm-1113	225	3	194	CARDINAL
arjefm-1113	226	1	barney	PERSON
arjefm-1113	226	2	j. (	PERSON
arjefm-1113	226	3	1991	DATE
arjefm-1113	228	1	journal of management	ORG
arjefm-1113	228	2	17(1	CARDINAL
arjefm-1113	228	3	99	CARDINAL
arjefm-1113	229	1	berry, l. l. (	PERSON
arjefm-1113	229	2	1983	DATE
arjefm-1113	231	1	l. l. berry	PERSON
arjefm-1113	231	2	g. l. shostack	PERSON
arjefm-1113	232	1	25-28	CARDINAL
arjefm-1113	233	1	american marketing association	ORG
arjefm-1113	236	1	american research journal of economics	ORG
arjefm-1113	236	2	12	CARDINAL
arjefm-1113	236	3	3	CARDINAL
arjefm-1113	236	4	2836-9416	CARDINAL
arjefm-1113	236	5	5.57	CARDINAL
arjefm-1113	236	6	america	GPE
arjefm-1113	236	7	american research journal of economics	ORG
arjefm-1113	237	1	105	CARDINAL
arjefm-1113	238	1	a. y. l.	PERSON
arjefm-1113	238	2	li	PERSON
arjefm-1113	238	3	b., & sweeney	ORG
arjefm-1113	238	4	2017	CARDINAL
arjefm-1113	239	1	australian	NORP
arjefm-1113	240	1	journal of business research	ORG
arjefm-1113	240	2	94	CARDINAL
arjefm-1113	240	3	1	CARDINAL
arjefm-1113	241	1	cohen, a., & kietzmann	PERSON
arjefm-1113	241	2	j. (	ORG
arjefm-1113	241	3	2016	DATE
arjefm-1113	242	1	healthcare	ORG
arjefm-1113	243	1	journal of health management	ORG
arjefm-1113	243	2	407	CARDINAL
arjefm-1113	245	1	a. o.	PERSON
arjefm-1113	245	2	2019	CARDINAL
arjefm-1113	246	1	digital	ORG
arjefm-1113	246	2	nigeria	GPE
arjefm-1113	247	1	international journal of finance	ORG
arjefm-1113	247	2	22(1	TIME
arjefm-1113	247	3	102-115	CARDINAL
arjefm-1113	248	1	grönroos	PERSON
arjefm-1113	248	2	1994	DATE
arjefm-1113	250	1	32(2	CARDINAL
arjefm-1113	250	2	4-20	CARDINAL
arjefm-1113	251	1	gupta	GPE
arjefm-1113	251	2	s., & zeithaml	ORG
arjefm-1113	251	3	2006	DATE
arjefm-1113	253	1	25(6	CARDINAL
arjefm-1113	253	2	718	CARDINAL
arjefm-1113	254	1	gupta	GPE
arjefm-1113	254	2	s., & zeithaml	ORG
arjefm-1113	254	3	2006	DATE
arjefm-1113	256	1	25(6	CARDINAL
arjefm-1113	256	2	718	CARDINAL
arjefm-1113	257	1	ibrahim	PERSON
arjefm-1113	257	2	r., & lawal	ORG
arjefm-1113	257	3	2021	CARDINAL
arjefm-1113	258	1	nigerian	NORP
arjefm-1113	259	1	nigerian	NORP
arjefm-1113	259	2	201	CARDINAL
arjefm-1113	260	1	johnson	PERSON
arjefm-1113	260	2	t., & ekwueme	ORG
arjefm-1113	261	1	nigerian	NORP
arjefm-1113	262	1	journal of marketing science	ORG
arjefm-1113	262	2	78-92	CARDINAL
arjefm-1113	263	1	kumar	PERSON
arjefm-1113	263	2	w.	PERSON
arjefm-1113	263	3	2016	DATE
arjefm-1113	265	1	80(6	CARDINAL
arjefm-1113	265	2	3668	CARDINAL
arjefm-1113	266	1	kumar	PERSON
arjefm-1113	266	2	dada	GPE
arjefm-1113	266	3	s. (2018	ORG
arjefm-1113	268	1	journal of financial services	ORG
arjefm-1113	268	2	23(2	CARDINAL
arjefm-1113	268	3	75-85	CARDINAL
arjefm-1113	269	1	https://doi.org/10.1057/s41264-018-0025-5 nguyen	PERSON
arjefm-1113	269	2	t. d.	PERSON
arjefm-1113	269	3	huynh	PERSON
arjefm-1113	269	4	t. l. d., & bui	PERSON
arjefm-1113	269	5	t. h.	ORG
arjefm-1113	269	6	2020	DATE
arjefm-1113	271	1	54	CARDINAL
arjefm-1113	271	2	102	CARDINAL
arjefm-1113	272	1	https://doi.org/10.1016/j.ijinfomgt.2020.102115	ORG
arjefm-1113	272	2	k., & nwosu	ORG
arjefm-1113	272	3	j. (	PERSON
arjefm-1113	272	4	2019	DATE
arjefm-1113	273	1	nigerian	NORP
arjefm-1113	274	1	journal of business analytics	ORG
arjefm-1113	274	2	10(3	CARDINAL
arjefm-1113	274	3	45	CARDINAL
arjefm-1113	276	1	american research journal of economics	ORG
arjefm-1113	276	2	12	CARDINAL
arjefm-1113	276	3	3	CARDINAL
arjefm-1113	276	4	2836-9416	CARDINAL
arjefm-1113	276	5	5.57	CARDINAL
arjefm-1113	276	6	america	GPE
arjefm-1113	276	7	american research journal of economics	ORG
arjefm-1113	277	1	106	CARDINAL
arjefm-1113	278	1	i. o.	PERSON
arjefm-1113	278	2	2020	DATE
arjefm-1113	279	1	nigerian	NORP
arjefm-1113	280	1	journal of financial management	ORG
arjefm-1113	280	2	133	CARDINAL
arjefm-1113	281	1	ogunleye	PERSON
arjefm-1113	281	2	r. o.	PERSON
arjefm-1113	281	3	2018	DATE
arjefm-1113	282	1	nigerian	NORP
arjefm-1113	283	1	nigerian journal of economic and financial research	ORG
arjefm-1113	283	2	29(1	CARDINAL
arjefm-1113	283	3	12	CARDINAL
arjefm-1113	284	1	ogunleye	PERSON
arjefm-1113	284	2	t. s.	GPE
arjefm-1113	284	3	r. k.	PERSON
arjefm-1113	284	4	2020	DATE
arjefm-1113	285	1	nigerian	NORP
arjefm-1113	286	1	45	CARDINAL
arjefm-1113	287	1	m. o., & adeola	PERSON
arjefm-1113	287	2	k. t.	PERSON
arjefm-1113	287	3	2019	DATE
arjefm-1113	288	1	nigerian	NORP
arjefm-1113	289	1	journal of financial innovation	ORG
arjefm-1113	289	2	25(2	CARDINAL
arjefm-1113	289	3	67	CARDINAL
arjefm-1113	290	1	olufemi	GPE
arjefm-1113	290	2	a., & bamidele	ORG
arjefm-1113	290	3	2018	DATE
arjefm-1113	291	1	nigerian	NORP
arjefm-1113	292	1	west african journal of business research	ORG
arjefm-1113	292	2	14(4	CARDINAL
arjefm-1113	292	3	101	CARDINAL
arjefm-1113	293	1	r. t.	PERSON
arjefm-1113	293	2	lemon	PERSON
arjefm-1113	293	3	k. n.	PERSON
arjefm-1113	293	4	2004	DATE
arjefm-1113	295	1	68(1	CARDINAL
arjefm-1113	295	2	109	CARDINAL
arjefm-1113	296	1	venkatesan	DATE
arjefm-1113	296	2	r., & kumar	ORG
arjefm-1113	296	3	2004	DATE
arjefm-1113	298	1	106	CARDINAL
arjefm-1113	299	1	wernerfelt	GPE
arjefm-1113	299	2	1984	DATE
arjefm-1113	301	1	strategic management journal	ORG
arjefm-1113	301	2	5(2	CARDINAL
arjefm-1113	301	3	171180	DATE
arjefm-1113	302	1	mailto:contact@americaserial.com	ORG