id	sid	tid	token	lemma	pos
asfbr-2054	1	1	asian	asian	PROPN
asfbr-2054	1	2	finance	finance	PROPN
asfbr-2054	1	3	&	&	CCONJ
asfbr-2054	1	4	banking	banking	PROPN
asfbr-2054	1	5	review	review	NOUN
asfbr-2054	1	6	7(1	7(1	NUM
asfbr-2054	1	7	)	)	PUNCT
asfbr-2054	1	8	(	(	PUNCT
asfbr-2054	1	9	2023	2023	NUM
asfbr-2054	1	10	)	)	PUNCT
asfbr-2054	2	1	,	,	PUNCT
asfbr-2054	2	2	10	10	NUM
asfbr-2054	2	3	-	-	SYM
asfbr-2054	2	4	16	16	NUM
asfbr-2054	2	5	10	10	NUM
asfbr-2054	2	6	finance	finance	NOUN
asfbr-2054	2	7	&	&	CCONJ
asfbr-2054	2	8	banking	banking	NOUN
asfbr-2054	2	9	review	review	NOUN
asfbr-2054	2	10	asfbr	asfbr	NOUN
asfbr-2054	2	11	vol	vol	VERB
asfbr-2054	2	12	7	7	NUM
asfbr-2054	2	13	no	no	DET
asfbr-2054	2	14	1	1	NUM
asfbr-2054	2	15	(	(	PUNCT
asfbr-2054	2	16	2023	2023	NUM
asfbr-2054	2	17	)	)	PUNCT
asfbr-2054	2	18	p	p	X
asfbr-2054	2	19	-	-	PUNCT
asfbr-2054	2	20	issn	issn	VERB
asfbr-2054	2	21	2576	2576	NUM
asfbr-2054	2	22	-	-	SYM
asfbr-2054	2	23	1161	1161	NUM
asfbr-2054	2	24	e	e	NOUN
asfbr-2054	2	25	-	-	NOUN
asfbr-2054	2	26	issn	issn	PROPN
asfbr-2054	2	27	2576	2576	NUM
asfbr-2054	2	28	-	-	SYM
asfbr-2054	2	29	1188	1188	NUM
asfbr-2054	2	30	available	available	ADJ
asfbr-2054	2	31	online	online	ADV
asfbr-2054	2	32	at	at	ADP
asfbr-2054	2	33	https://www.cribfb.com	https://www.cribfb.com	X
asfbr-2054	2	34	journal	journal	PROPN
asfbr-2054	2	35	homepage	homepage	NOUN
asfbr-2054	2	36	:	:	PUNCT
asfbr-2054	2	37	https://www.cribfb.com/journal/index.php/asfbr	https://www.cribfb.com/journal/index.php/asfbr	NOUN
asfbr-2054	2	38	published	publish	VERB
asfbr-2054	2	39	by	by	ADP
asfbr-2054	2	40	cribfb	cribfb	PROPN
asfbr-2054	2	41	,	,	PUNCT
asfbr-2054	2	42	usa	usa	PROPN
asfbr-2054	2	43	mobile	mobile	PROPN
asfbr-2054	2	44	banking	banking	PROPN
asfbr-2054	2	45	in	in	ADP
asfbr-2054	2	46	bangladesh	bangladesh	PROPN
asfbr-2054	2	47	:	:	PUNCT
asfbr-2054	2	48	a	a	DET
asfbr-2054	2	49	policy	policy	NOUN
asfbr-2054	2	50	and	and	CCONJ
asfbr-2054	2	51	regulatory	regulatory	ADJ
asfbr-2054	2	52	review	review	NOUN
asfbr-2054	2	53	mohammad	mohammad	PROPN
asfbr-2054	2	54	rezaul	rezaul	PROPN
asfbr-2054	2	55	kabir	kabir	PROPN
asfbr-2054	2	56	(	(	PUNCT
asfbr-2054	2	57	a)1	a)1	PROPN
asfbr-2054	2	58	md	md	PROPN
asfbr-2054	2	59	.	.	PUNCT
asfbr-2054	3	1	amzad	amzad	PROPN
asfbr-2054	3	2	hossain	hossain	PROPN
asfbr-2054	3	3	(	(	PUNCT
asfbr-2054	3	4	b	b	NOUN
asfbr-2054	3	5	)	)	PUNCT
asfbr-2054	3	6	(	(	PUNCT
asfbr-2054	3	7	a	a	X
asfbr-2054	3	8	)	)	PUNCT
asfbr-2054	3	9	assistant	assistant	NOUN
asfbr-2054	3	10	professor	professor	NOUN
asfbr-2054	3	11	,	,	PUNCT
asfbr-2054	3	12	department	department	NOUN
asfbr-2054	3	13	of	of	ADP
asfbr-2054	3	14	business	business	PROPN
asfbr-2054	3	15	administration	administration	PROPN
asfbr-2054	3	16	,	,	PUNCT
asfbr-2054	3	17	sylhet	sylhet	PROPN
asfbr-2054	3	18	international	international	PROPN
asfbr-2054	3	19	university	university	PROPN
asfbr-2054	3	20	,	,	PUNCT
asfbr-2054	3	21	and	and	CCONJ
asfbr-2054	3	22	phd	phd	NOUN
asfbr-2054	3	23	fellow	fellow	PROPN
asfbr-2054	3	24	,	,	PUNCT
asfbr-2054	3	25	institute	institute	PROPN
asfbr-2054	3	26	of	of	ADP
asfbr-2054	3	27	bangladesh	bangladesh	PROPN
asfbr-2054	3	28	studies	study	NOUN
asfbr-2054	3	29	,	,	PUNCT
asfbr-2054	3	30	rajshahi	rajshahi	PROPN
asfbr-2054	3	31	university	university	PROPN
asfbr-2054	3	32	,	,	PUNCT
asfbr-2054	3	33	bangladesh	bangladesh	NOUN
asfbr-2054	3	34	;	;	PUNCT
asfbr-2054	3	35	e	e	X
asfbr-2054	3	36	-	-	NOUN
asfbr-2054	3	37	mail	mail	NOUN
asfbr-2054	3	38	:	:	PUNCT
asfbr-2054	3	39	rezaul_ru@yahoo.com	rezaul_ru@yahoo.com	X
asfbr-2054	3	40	(	(	PUNCT
asfbr-2054	3	41	b	b	NOUN
asfbr-2054	3	42	)	)	PUNCT
asfbr-2054	3	43	professor	professor	NOUN
asfbr-2054	3	44	,	,	PUNCT
asfbr-2054	3	45	department	department	NOUN
asfbr-2054	3	46	of	of	ADP
asfbr-2054	3	47	finance	finance	NOUN
asfbr-2054	3	48	,	,	PUNCT
asfbr-2054	3	49	university	university	NOUN
asfbr-2054	3	50	of	of	ADP
asfbr-2054	3	51	rajshahi	rajshahi	NOUN
asfbr-2054	3	52	,	,	PUNCT
asfbr-2054	3	53	rajshahi	rajshahi	NOUN
asfbr-2054	3	54	,	,	PUNCT
asfbr-2054	3	55	bangladesh	bangladesh	NOUN
asfbr-2054	3	56	;	;	PUNCT
asfbr-2054	3	57	e	e	X
asfbr-2054	3	58	-	-	NOUN
asfbr-2054	3	59	mail	mail	NOUN
asfbr-2054	3	60	:	:	PUNCT
asfbr-2054	3	61	mdahossain@ru.ac.bd	mdahossain@ru.ac.bd	ADV
asfbr-2054	3	62	a	a	DET
asfbr-2054	3	63	r	r	NOUN
asfbr-2054	3	64	t	t	NOUN
asfbr-2054	4	1	i	i	PRON
asfbr-2054	4	2	c	c	NOUN
asfbr-2054	4	3	l	l	NOUN
asfbr-2054	4	4	e	e	NOUN
asfbr-2054	5	1	i	i	PRON
asfbr-2054	5	2	n	n	VERB
asfbr-2054	5	3	f	f	NOUN
asfbr-2054	5	4	o	o	NOUN
asfbr-2054	5	5	article	article	NOUN
asfbr-2054	5	6	history	history	NOUN
asfbr-2054	5	7	:	:	PUNCT
asfbr-2054	5	8	received	receive	VERB
asfbr-2054	5	9	:	:	PUNCT
asfbr-2054	5	10	2nd	2nd	ADJ
asfbr-2054	5	11	april	april	PROPN
asfbr-2054	5	12	2023	2023	NUM
asfbr-2054	5	13	revised	revise	VERB
asfbr-2054	5	14	:	:	PUNCT
asfbr-2054	5	15	28th	28th	NOUN
asfbr-2054	5	16	may	may	AUX
asfbr-2054	5	17	2023	2023	NUM
asfbr-2054	5	18	accepted	accept	VERB
asfbr-2054	5	19	:	:	PUNCT
asfbr-2054	5	20	20th	20th	ADJ
asfbr-2054	5	21	july	july	PROPN
asfbr-2054	5	22	2023	2023	NUM
asfbr-2054	5	23	published	publish	VERB
asfbr-2054	5	24	:	:	PUNCT
asfbr-2054	5	25	27th	27th	ADJ
asfbr-2054	5	26	july	july	PROPN
asfbr-2054	5	27	2023	2023	NUM
asfbr-2054	5	28	keywords	keyword	NOUN
asfbr-2054	5	29	:	:	PUNCT
asfbr-2054	5	30	mobile	mobile	ADJ
asfbr-2054	5	31	banking	banking	NOUN
asfbr-2054	5	32	,	,	PUNCT
asfbr-2054	5	33	financial	financial	ADJ
asfbr-2054	5	34	inclusiveness	inclusiveness	NOUN
asfbr-2054	5	35	,	,	PUNCT
asfbr-2054	5	36	policy	policy	NOUN
asfbr-2054	5	37	,	,	PUNCT
asfbr-2054	5	38	regulation	regulation	NOUN
asfbr-2054	5	39	,	,	PUNCT
asfbr-2054	5	40	kyc	kyc	PROPN
asfbr-2054	5	41	,	,	PUNCT
asfbr-2054	5	42	regulatory	regulatory	ADJ
asfbr-2054	5	43	index	index	NOUN
asfbr-2054	5	44	jel	jel	PROPN
asfbr-2054	5	45	classification	classification	NOUN
asfbr-2054	5	46	codes	code	NOUN
asfbr-2054	5	47	:	:	PUNCT
asfbr-2054	5	48	g21	g21	NOUN
asfbr-2054	5	49	,	,	PUNCT
asfbr-2054	5	50	g28	g28	NOUN
asfbr-2054	5	51	,	,	PUNCT
asfbr-2054	5	52	c83	c83	VERB
asfbr-2054	5	53	a	a	PRON
asfbr-2054	5	54	b	b	PROPN
asfbr-2054	5	55	s	s	ADP
asfbr-2054	5	56	t	t	PROPN
asfbr-2054	5	57	r	r	NOUN
asfbr-2054	5	58	a	a	DET
asfbr-2054	5	59	c	c	NOUN
asfbr-2054	5	60	t	t	NOUN
asfbr-2054	5	61	policy	policy	NOUN
asfbr-2054	5	62	and	and	CCONJ
asfbr-2054	5	63	regulatory	regulatory	ADJ
asfbr-2054	5	64	issues	issue	NOUN
asfbr-2054	5	65	are	be	AUX
asfbr-2054	5	66	indispensable	indispensable	ADJ
asfbr-2054	5	67	for	for	ADP
asfbr-2054	5	68	maintaining	maintain	VERB
asfbr-2054	5	69	discipline	discipline	NOUN
asfbr-2054	5	70	and	and	CCONJ
asfbr-2054	5	71	protecting	protect	VERB
asfbr-2054	5	72	the	the	DET
asfbr-2054	5	73	interests	interest	NOUN
asfbr-2054	5	74	of	of	ADP
asfbr-2054	5	75	all	all	DET
asfbr-2054	5	76	stakeholders	stakeholder	NOUN
asfbr-2054	5	77	in	in	ADP
asfbr-2054	5	78	the	the	DET
asfbr-2054	5	79	mobile	mobile	ADJ
asfbr-2054	5	80	banking	banking	NOUN
asfbr-2054	5	81	ecosystem	ecosystem	NOUN
asfbr-2054	5	82	.	.	PUNCT
asfbr-2054	6	1	bangladesh	bangladesh	PROPN
asfbr-2054	6	2	bank	bank	PROPN
asfbr-2054	6	3	has	have	AUX
asfbr-2054	6	4	issued	issue	VERB
asfbr-2054	6	5	mobile	mobile	ADJ
asfbr-2054	6	6	banking	banking	NOUN
asfbr-2054	6	7	policy	policy	NOUN
asfbr-2054	6	8	guidelines	guideline	NOUN
asfbr-2054	6	9	(	(	PUNCT
asfbr-2054	6	10	2011	2011	NUM
asfbr-2054	6	11	)	)	PUNCT
asfbr-2054	6	12	and	and	CCONJ
asfbr-2054	6	13	mobile	mobile	ADJ
asfbr-2054	6	14	financial	financial	ADJ
asfbr-2054	6	15	services	service	NOUN
asfbr-2054	6	16	regulation	regulation	NOUN
asfbr-2054	6	17	(	(	PUNCT
asfbr-2054	6	18	2018	2018	NUM
asfbr-2054	6	19	)	)	PUNCT
asfbr-2054	6	20	to	to	PART
asfbr-2054	6	21	protect	protect	VERB
asfbr-2054	6	22	against	against	ADP
asfbr-2054	6	23	abuse	abuse	NOUN
asfbr-2054	6	24	of	of	ADP
asfbr-2054	6	25	these	these	DET
asfbr-2054	6	26	services	service	NOUN
asfbr-2054	6	27	like	like	ADP
asfbr-2054	6	28	financial	financial	ADJ
asfbr-2054	6	29	fraud	fraud	NOUN
asfbr-2054	6	30	,	,	PUNCT
asfbr-2054	6	31	money	money	NOUN
asfbr-2054	6	32	laundering	laundering	NOUN
asfbr-2054	6	33	,	,	PUNCT
asfbr-2054	6	34	and	and	CCONJ
asfbr-2054	6	35	terrorist	terrorist	ADJ
asfbr-2054	6	36	financing	financing	NOUN
asfbr-2054	6	37	,	,	PUNCT
asfbr-2054	6	38	as	as	ADV
asfbr-2054	6	39	well	well	ADV
asfbr-2054	6	40	as	as	ADP
asfbr-2054	6	41	safeguard	safeguard	NOUN
asfbr-2054	6	42	user	user	NOUN
asfbr-2054	6	43	funds	fund	NOUN
asfbr-2054	6	44	.	.	PUNCT
asfbr-2054	7	1	this	this	DET
asfbr-2054	7	2	article	article	NOUN
asfbr-2054	7	3	examined	examine	VERB
asfbr-2054	7	4	the	the	DET
asfbr-2054	7	5	role	role	NOUN
asfbr-2054	7	6	of	of	ADP
asfbr-2054	7	7	mobile	mobile	ADJ
asfbr-2054	7	8	banking	banking	NOUN
asfbr-2054	7	9	policy	policy	NOUN
asfbr-2054	7	10	and	and	CCONJ
asfbr-2054	7	11	the	the	DET
asfbr-2054	7	12	regulatory	regulatory	ADJ
asfbr-2054	7	13	framework	framework	NOUN
asfbr-2054	7	14	in	in	ADP
asfbr-2054	7	15	creating	create	VERB
asfbr-2054	7	16	a	a	DET
asfbr-2054	7	17	favourable	favourable	ADJ
asfbr-2054	7	18	regulatory	regulatory	ADJ
asfbr-2054	7	19	environment	environment	NOUN
asfbr-2054	7	20	for	for	ADP
asfbr-2054	7	21	mobile	mobile	ADJ
asfbr-2054	7	22	banking	banking	NOUN
asfbr-2054	7	23	in	in	ADP
asfbr-2054	7	24	bangladesh	bangladesh	NOUN
asfbr-2054	7	25	.	.	PUNCT
asfbr-2054	8	1	for	for	ADP
asfbr-2054	8	2	this	this	DET
asfbr-2054	8	3	purpose	purpose	NOUN
asfbr-2054	8	4	,	,	PUNCT
asfbr-2054	8	5	twenty	twenty	NUM
asfbr-2054	8	6	-	-	PUNCT
asfbr-2054	8	7	three	three	NUM
asfbr-2054	8	8	kiis	kiis	PROPN
asfbr-2054	8	9	and	and	CCONJ
asfbr-2054	8	10	one	one	NUM
asfbr-2054	8	11	questionnaire	questionnaire	NOUN
asfbr-2054	8	12	survey	survey	NOUN
asfbr-2054	8	13	were	be	AUX
asfbr-2054	8	14	conducted	conduct	VERB
asfbr-2054	8	15	on	on	ADP
asfbr-2054	8	16	400	400	NUM
asfbr-2054	8	17	respondents	respondent	NOUN
asfbr-2054	8	18	in	in	ADP
asfbr-2054	8	19	the	the	DET
asfbr-2054	8	20	country	country	NOUN
asfbr-2054	8	21	's	's	PART
asfbr-2054	8	22	four	four	NUM
asfbr-2054	8	23	districts	district	NOUN
asfbr-2054	8	24	.	.	PUNCT
asfbr-2054	9	1	many	many	ADJ
asfbr-2054	9	2	public	public	ADJ
asfbr-2054	9	3	and	and	CCONJ
asfbr-2054	9	4	private	private	ADJ
asfbr-2054	9	5	documents	document	NOUN
asfbr-2054	9	6	and	and	CCONJ
asfbr-2054	9	7	journal	journal	NOUN
asfbr-2054	9	8	articles	article	NOUN
asfbr-2054	9	9	were	be	AUX
asfbr-2054	9	10	also	also	ADV
asfbr-2054	9	11	reviewed	review	VERB
asfbr-2054	9	12	.	.	PUNCT
asfbr-2054	10	1	a	a	DET
asfbr-2054	10	2	regulatory	regulatory	ADJ
asfbr-2054	10	3	policy	policy	NOUN
asfbr-2054	10	4	index	index	NOUN
asfbr-2054	10	5	for	for	ADP
asfbr-2054	10	6	mobile	mobile	ADJ
asfbr-2054	10	7	banking	banking	NOUN
asfbr-2054	10	8	with	with	ADP
asfbr-2054	10	9	ten	ten	NUM
asfbr-2054	10	10	indicators	indicator	NOUN
asfbr-2054	10	11	was	be	AUX
asfbr-2054	10	12	developed	develop	VERB
asfbr-2054	10	13	,	,	PUNCT
asfbr-2054	10	14	and	and	CCONJ
asfbr-2054	10	15	the	the	DET
asfbr-2054	10	16	overall	overall	ADJ
asfbr-2054	10	17	regulatory	regulatory	ADJ
asfbr-2054	10	18	index	index	NOUN
asfbr-2054	10	19	score	score	NOUN
asfbr-2054	10	20	was	be	AUX
asfbr-2054	10	21	0.85	0.85	NUM
asfbr-2054	10	22	out	out	ADP
asfbr-2054	10	23	of	of	ADP
asfbr-2054	10	24	1	1	NUM
asfbr-2054	10	25	.	.	PUNCT
asfbr-2054	11	1	multiple	multiple	ADJ
asfbr-2054	11	2	linear	linear	PROPN
asfbr-2054	11	3	regression	regression	NOUN
asfbr-2054	11	4	analysis	analysis	NOUN
asfbr-2054	11	5	has	have	AUX
asfbr-2054	11	6	also	also	ADV
asfbr-2054	11	7	been	be	AUX
asfbr-2054	11	8	used	use	VERB
asfbr-2054	11	9	in	in	ADP
asfbr-2054	11	10	this	this	DET
asfbr-2054	11	11	study	study	NOUN
asfbr-2054	11	12	.	.	PUNCT
asfbr-2054	12	1	its	its	PRON
asfbr-2054	12	2	regulatory	regulatory	ADJ
asfbr-2054	12	3	index	index	NOUN
asfbr-2054	12	4	value	value	NOUN
asfbr-2054	12	5	,	,	PUNCT
asfbr-2054	12	6	beta	beta	ADJ
asfbr-2054	12	7	coefficient	coefficient	NOUN
asfbr-2054	12	8	,	,	PUNCT
asfbr-2054	12	9	and	and	CCONJ
asfbr-2054	12	10	r	r	NOUN
asfbr-2054	12	11	-	-	PUNCT
asfbr-2054	12	12	value	value	NOUN
asfbr-2054	12	13	,	,	PUNCT
asfbr-2054	12	14	as	as	ADV
asfbr-2054	12	15	well	well	ADV
asfbr-2054	12	16	as	as	ADP
asfbr-2054	12	17	expert	expert	ADJ
asfbr-2054	12	18	opinions	opinion	NOUN
asfbr-2054	12	19	,	,	PUNCT
asfbr-2054	12	20	asserted	assert	VERB
asfbr-2054	12	21	that	that	SCONJ
asfbr-2054	12	22	mobile	mobile	ADJ
asfbr-2054	12	23	banking	banking	NOUN
asfbr-2054	12	24	regulatory	regulatory	ADJ
asfbr-2054	12	25	policy	policy	NOUN
asfbr-2054	12	26	standards	standard	NOUN
asfbr-2054	12	27	have	have	AUX
asfbr-2054	12	28	positively	positively	ADV
asfbr-2054	12	29	influenced	influence	VERB
asfbr-2054	12	30	the	the	DET
asfbr-2054	12	31	creation	creation	NOUN
asfbr-2054	12	32	of	of	ADP
asfbr-2054	12	33	a	a	DET
asfbr-2054	12	34	favourable	favourable	ADJ
asfbr-2054	12	35	regulatory	regulatory	ADJ
asfbr-2054	12	36	environment	environment	NOUN
asfbr-2054	12	37	,	,	PUNCT
asfbr-2054	12	38	even	even	ADV
asfbr-2054	12	39	though	though	SCONJ
asfbr-2054	12	40	they	they	PRON
asfbr-2054	12	41	demand	demand	VERB
asfbr-2054	12	42	some	some	DET
asfbr-2054	12	43	modification	modification	NOUN
asfbr-2054	12	44	in	in	ADP
asfbr-2054	12	45	terms	term	NOUN
asfbr-2054	12	46	of	of	ADP
asfbr-2054	12	47	account	account	NOUN
asfbr-2054	12	48	opening	open	VERB
asfbr-2054	12	49	minimum	minimum	ADJ
asfbr-2054	12	50	age	age	NOUN
asfbr-2054	12	51	,	,	PUNCT
asfbr-2054	12	52	service	service	NOUN
asfbr-2054	12	53	charge	charge	NOUN
asfbr-2054	12	54	rate	rate	NOUN
asfbr-2054	12	55	,	,	PUNCT
asfbr-2054	12	56	product	product	NOUN
asfbr-2054	12	57	diversification	diversification	NOUN
asfbr-2054	12	58	,	,	PUNCT
asfbr-2054	12	59	interoperability	interoperability	NOUN
asfbr-2054	12	60	,	,	PUNCT
asfbr-2054	12	61	and	and	CCONJ
asfbr-2054	12	62	supervision	supervision	NOUN
asfbr-2054	12	63	of	of	ADP
asfbr-2054	12	64	mobile	mobile	ADJ
asfbr-2054	12	65	banking	banking	NOUN
asfbr-2054	12	66	activities	activity	NOUN
asfbr-2054	12	67	.	.	PUNCT
asfbr-2054	13	1	since	since	SCONJ
asfbr-2054	13	2	multiple	multiple	ADJ
asfbr-2054	13	3	agencies	agency	NOUN
asfbr-2054	13	4	are	be	AUX
asfbr-2054	13	5	involved	involve	VERB
asfbr-2054	13	6	in	in	ADP
asfbr-2054	13	7	mobile	mobile	ADJ
asfbr-2054	13	8	banking	banking	NOUN
asfbr-2054	13	9	policy	policy	NOUN
asfbr-2054	13	10	and	and	CCONJ
asfbr-2054	13	11	regulation	regulation	NOUN
asfbr-2054	13	12	,	,	PUNCT
asfbr-2054	13	13	the	the	DET
asfbr-2054	13	14	government	government	NOUN
asfbr-2054	13	15	can	can	AUX
asfbr-2054	13	16	play	play	VERB
asfbr-2054	13	17	a	a	DET
asfbr-2054	13	18	vital	vital	ADJ
asfbr-2054	13	19	role	role	NOUN
asfbr-2054	13	20	in	in	ADP
asfbr-2054	13	21	coordination	coordination	NOUN
asfbr-2054	13	22	among	among	ADP
asfbr-2054	13	23	the	the	DET
asfbr-2054	13	24	multiple	multiple	ADJ
asfbr-2054	13	25	agencies	agency	NOUN
asfbr-2054	13	26	to	to	PART
asfbr-2054	13	27	ensure	ensure	VERB
asfbr-2054	13	28	the	the	DET
asfbr-2054	13	29	protection	protection	NOUN
asfbr-2054	13	30	of	of	ADP
asfbr-2054	13	31	customers	customer	NOUN
asfbr-2054	13	32	and	and	CCONJ
asfbr-2054	13	33	financial	financial	ADJ
asfbr-2054	13	34	steadiness	steadiness	NOUN
asfbr-2054	13	35	through	through	ADP
asfbr-2054	13	36	a	a	DET
asfbr-2054	13	37	suitable	suitable	ADJ
asfbr-2054	13	38	legal	legal	ADJ
asfbr-2054	13	39	structure	structure	NOUN
asfbr-2054	13	40	.	.	PUNCT
asfbr-2054	14	1	©	©	ADP
asfbr-2054	14	2	2023	2023	NUM
asfbr-2054	14	3	by	by	ADP
asfbr-2054	14	4	the	the	DET
asfbr-2054	14	5	authors	author	NOUN
asfbr-2054	14	6	.	.	PUNCT
asfbr-2054	15	1	licensee	licensee	PROPN
asfbr-2054	15	2	cribfb	cribfb	PROPN
asfbr-2054	15	3	,	,	PUNCT
asfbr-2054	15	4	usa	usa	PROPN
asfbr-2054	15	5	.	.	PROPN
asfbr-2054	16	1	this	this	DET
asfbr-2054	16	2	article	article	NOUN
asfbr-2054	16	3	is	be	AUX
asfbr-2054	16	4	an	an	DET
asfbr-2054	16	5	open	open	ADJ
asfbr-2054	16	6	access	access	NOUN
asfbr-2054	16	7	article	article	NOUN
asfbr-2054	16	8	distributed	distribute	VERB
asfbr-2054	16	9	under	under	ADP
asfbr-2054	16	10	the	the	DET
asfbr-2054	16	11	terms	term	NOUN
asfbr-2054	16	12	and	and	CCONJ
asfbr-2054	16	13	conditions	condition	NOUN
asfbr-2054	16	14	of	of	ADP
asfbr-2054	16	15	the	the	DET
asfbr-2054	16	16	creative	creative	ADJ
asfbr-2054	16	17	commons	common	NOUN
asfbr-2054	16	18	attribution	attribution	NOUN
asfbr-2054	16	19	(	(	PUNCT
asfbr-2054	16	20	cc	cc	NOUN
asfbr-2054	16	21	by	by	ADP
asfbr-2054	16	22	)	)	PUNCT
asfbr-2054	16	23	license	license	NOUN
asfbr-2054	16	24	(	(	PUNCT
asfbr-2054	16	25	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
asfbr-2054	16	26	)	)	PUNCT
asfbr-2054	16	27	.	.	PUNCT
asfbr-2054	17	1	introduction	introduction	NOUN
asfbr-2054	17	2	policy	policy	NOUN
asfbr-2054	17	3	and	and	CCONJ
asfbr-2054	17	4	regulation	regulation	NOUN
asfbr-2054	17	5	are	be	AUX
asfbr-2054	17	6	essential	essential	ADJ
asfbr-2054	17	7	drivers	driver	NOUN
asfbr-2054	17	8	for	for	ADP
asfbr-2054	17	9	expanding	expand	VERB
asfbr-2054	17	10	mobile	mobile	ADJ
asfbr-2054	17	11	banking	banking	NOUN
asfbr-2054	17	12	products	product	NOUN
asfbr-2054	17	13	and	and	CCONJ
asfbr-2054	17	14	services	service	NOUN
asfbr-2054	17	15	by	by	ADP
asfbr-2054	17	16	establishing	establish	VERB
asfbr-2054	17	17	rules	rule	NOUN
asfbr-2054	17	18	and	and	CCONJ
asfbr-2054	17	19	standards	standard	NOUN
asfbr-2054	17	20	that	that	PRON
asfbr-2054	17	21	protect	protect	VERB
asfbr-2054	17	22	consumers	consumer	NOUN
asfbr-2054	17	23	,	,	PUNCT
asfbr-2054	17	24	ensure	ensure	VERB
asfbr-2054	17	25	the	the	DET
asfbr-2054	17	26	security	security	NOUN
asfbr-2054	17	27	of	of	ADP
asfbr-2054	17	28	transactions	transaction	NOUN
asfbr-2054	17	29	,	,	PUNCT
asfbr-2054	17	30	and	and	CCONJ
asfbr-2054	17	31	promote	promote	VERB
asfbr-2054	17	32	fair	fair	ADJ
asfbr-2054	17	33	competition	competition	NOUN
asfbr-2054	17	34	among	among	ADP
asfbr-2054	17	35	mobile	mobile	ADJ
asfbr-2054	17	36	banking	banking	NOUN
asfbr-2054	17	37	markets	market	NOUN
asfbr-2054	17	38	.	.	PUNCT
asfbr-2054	18	1	customers	customer	NOUN
asfbr-2054	18	2	want	want	VERB
asfbr-2054	18	3	to	to	PART
asfbr-2054	18	4	use	use	VERB
asfbr-2054	18	5	these	these	DET
asfbr-2054	18	6	products	product	NOUN
asfbr-2054	18	7	and	and	CCONJ
asfbr-2054	18	8	services	service	NOUN
asfbr-2054	18	9	with	with	ADP
asfbr-2054	18	10	explicit	explicit	ADJ
asfbr-2054	18	11	regulatory	regulatory	ADJ
asfbr-2054	18	12	policy	policy	NOUN
asfbr-2054	18	13	frameworks	framework	NOUN
asfbr-2054	18	14	.	.	PUNCT
asfbr-2054	19	1	government	government	NOUN
asfbr-2054	19	2	protection	protection	NOUN
asfbr-2054	19	3	in	in	ADP
asfbr-2054	19	4	terms	term	NOUN
asfbr-2054	19	5	of	of	ADP
asfbr-2054	19	6	policy	policy	NOUN
asfbr-2054	19	7	and	and	CCONJ
asfbr-2054	19	8	regulation	regulation	NOUN
asfbr-2054	19	9	affects	affect	VERB
asfbr-2054	19	10	consumers	consumer	NOUN
asfbr-2054	19	11	'	'	PART
asfbr-2054	19	12	attitudes	attitude	NOUN
asfbr-2054	19	13	,	,	PUNCT
asfbr-2054	19	14	and	and	CCONJ
asfbr-2054	19	15	it	it	PRON
asfbr-2054	19	16	would	would	AUX
asfbr-2054	19	17	have	have	VERB
asfbr-2054	19	18	to	to	PART
asfbr-2054	19	19	increase	increase	VERB
asfbr-2054	19	20	confidence	confidence	NOUN
asfbr-2054	19	21	and	and	CCONJ
asfbr-2054	19	22	trust	trust	NOUN
asfbr-2054	19	23	in	in	ADP
asfbr-2054	19	24	mobile	mobile	ADJ
asfbr-2054	19	25	banking	banking	NOUN
asfbr-2054	19	26	transactions	transaction	NOUN
asfbr-2054	19	27	.	.	PUNCT
asfbr-2054	20	1	the	the	DET
asfbr-2054	20	2	regulatory	regulatory	ADJ
asfbr-2054	20	3	framework	framework	NOUN
asfbr-2054	20	4	influences	influence	VERB
asfbr-2054	20	5	the	the	DET
asfbr-2054	20	6	customer	customer	NOUN
asfbr-2054	20	7	's	's	PART
asfbr-2054	20	8	demand	demand	NOUN
asfbr-2054	20	9	,	,	PUNCT
asfbr-2054	20	10	develops	develop	VERB
asfbr-2054	20	11	a	a	DET
asfbr-2054	20	12	high	high	ADJ
asfbr-2054	20	13	-	-	PUNCT
asfbr-2054	20	14	quality	quality	NOUN
asfbr-2054	20	15	agent	agent	NOUN
asfbr-2054	20	16	network	network	NOUN
asfbr-2054	20	17	,	,	PUNCT
asfbr-2054	20	18	builds	build	VERB
asfbr-2054	20	19	infrastructure	infrastructure	NOUN
asfbr-2054	20	20	,	,	PUNCT
asfbr-2054	20	21	and	and	CCONJ
asfbr-2054	20	22	designs	design	VERB
asfbr-2054	20	23	products	product	NOUN
asfbr-2054	20	24	beyond	beyond	ADP
asfbr-2054	20	25	actual	actual	ADJ
asfbr-2054	20	26	payments	payment	NOUN
asfbr-2054	20	27	(	(	PUNCT
asfbr-2054	20	28	osafo	osafo	NOUN
asfbr-2054	20	29	-	-	PUNCT
asfbr-2054	20	30	kwaako	kwaako	PROPN
asfbr-2054	20	31	et	et	PROPN
asfbr-2054	20	32	al	al	PROPN
asfbr-2054	20	33	.	.	PROPN
asfbr-2054	20	34	,	,	PUNCT
asfbr-2054	20	35	2018	2018	NUM
asfbr-2054	20	36	;	;	PUNCT
asfbr-2054	20	37	staschen	staschen	ADV
asfbr-2054	20	38	and	and	CCONJ
asfbr-2054	20	39	meaghe	meaghe	ADJ
asfbr-2054	20	40	,	,	PUNCT
asfbr-2054	20	41	2018	2018	NUM
asfbr-2054	20	42	)	)	PUNCT
asfbr-2054	20	43	.	.	PUNCT
asfbr-2054	21	1	due	due	ADP
asfbr-2054	21	2	to	to	ADP
asfbr-2054	21	3	unauthorized	unauthorized	ADJ
asfbr-2054	21	4	financial	financial	ADJ
asfbr-2054	21	5	transactions	transaction	NOUN
asfbr-2054	21	6	through	through	ADP
asfbr-2054	21	7	mobile	mobile	ADJ
asfbr-2054	21	8	banking	banking	NOUN
asfbr-2054	21	9	,	,	PUNCT
asfbr-2054	21	10	the	the	DET
asfbr-2054	21	11	policy	policy	NOUN
asfbr-2054	21	12	and	and	CCONJ
asfbr-2054	21	13	regulatory	regulatory	ADJ
asfbr-2054	21	14	frameworks	framework	NOUN
asfbr-2054	21	15	have	have	AUX
asfbr-2054	21	16	become	become	VERB
asfbr-2054	21	17	more	more	ADV
asfbr-2054	21	18	concerning	concern	VERB
asfbr-2054	21	19	at	at	ADP
asfbr-2054	21	20	national	national	ADJ
asfbr-2054	21	21	and	and	CCONJ
asfbr-2054	21	22	international	international	ADJ
asfbr-2054	21	23	levels	level	NOUN
asfbr-2054	21	24	.	.	PUNCT
asfbr-2054	22	1	the	the	DET
asfbr-2054	22	2	bangladesh	bangladesh	PROPN
asfbr-2054	22	3	bank	bank	PROPN
asfbr-2054	22	4	has	have	AUX
asfbr-2054	22	5	made	make	VERB
asfbr-2054	22	6	separate	separate	ADJ
asfbr-2054	22	7	mobile	mobile	ADJ
asfbr-2054	22	8	financial	financial	ADJ
asfbr-2054	22	9	policy	policy	NOUN
asfbr-2054	22	10	guidelines	guideline	NOUN
asfbr-2054	22	11	to	to	PART
asfbr-2054	22	12	regulate	regulate	VERB
asfbr-2054	22	13	the	the	DET
asfbr-2054	22	14	mobile	mobile	ADJ
asfbr-2054	22	15	financial	financial	ADJ
asfbr-2054	22	16	market	market	NOUN
asfbr-2054	22	17	.	.	PUNCT
asfbr-2054	23	1	consequently	consequently	ADV
asfbr-2054	23	2	,	,	PUNCT
asfbr-2054	23	3	the	the	DET
asfbr-2054	23	4	policy	policy	NOUN
asfbr-2054	23	5	guideline	guideline	NOUN
asfbr-2054	23	6	has	have	AUX
asfbr-2054	23	7	become	become	VERB
asfbr-2054	23	8	the	the	DET
asfbr-2054	23	9	name	name	NOUN
asfbr-2054	23	10	of	of	ADP
asfbr-2054	23	11	the	the	DET
asfbr-2054	23	12	bangladesh	bangladesh	PROPN
asfbr-2054	23	13	mobile	mobile	ADJ
asfbr-2054	23	14	financial	financial	ADJ
asfbr-2054	23	15	services	service	NOUN
asfbr-2054	23	16	regulation	regulation	NOUN
asfbr-2054	23	17	2018	2018	NUM
asfbr-2054	23	18	.	.	PUNCT
asfbr-2054	24	1	this	this	DET
asfbr-2054	24	2	study	study	NOUN
asfbr-2054	24	3	examined	examine	VERB
asfbr-2054	24	4	the	the	DET
asfbr-2054	24	5	role	role	NOUN
asfbr-2054	24	6	of	of	ADP
asfbr-2054	24	7	the	the	DET
asfbr-2054	24	8	present	present	ADJ
asfbr-2054	24	9	mobile	mobile	ADJ
asfbr-2054	24	10	banking	banking	NOUN
asfbr-2054	24	11	regulatory	regulatory	ADJ
asfbr-2054	24	12	policy	policy	NOUN
asfbr-2054	24	13	in	in	ADP
asfbr-2054	24	14	enabling	enable	VERB
asfbr-2054	24	15	enable	enable	ADJ
asfbr-2054	24	16	regulatory	regulatory	ADJ
asfbr-2054	24	17	environment	environment	NOUN
asfbr-2054	24	18	for	for	ADP
asfbr-2054	24	19	mobile	mobile	ADJ
asfbr-2054	24	20	banking	banking	NOUN
asfbr-2054	24	21	transactions	transaction	NOUN
asfbr-2054	24	22	in	in	ADP
asfbr-2054	24	23	bangladesh	bangladesh	NOUN
asfbr-2054	24	24	.	.	PUNCT
asfbr-2054	25	1	the	the	DET
asfbr-2054	25	2	study	study	NOUN
asfbr-2054	25	3	aims	aim	VERB
asfbr-2054	25	4	to	to	PART
asfbr-2054	25	5	review	review	VERB
asfbr-2054	25	6	the	the	DET
asfbr-2054	25	7	mobile	mobile	ADJ
asfbr-2054	25	8	banking	banking	NOUN
asfbr-2054	25	9	policy	policy	NOUN
asfbr-2054	25	10	and	and	CCONJ
asfbr-2054	25	11	regulatory	regulatory	ADJ
asfbr-2054	25	12	framework	framework	NOUN
asfbr-2054	25	13	.	.	PUNCT
asfbr-2054	26	1	to	to	PART
asfbr-2054	26	2	evaluate	evaluate	VERB
asfbr-2054	26	3	the	the	DET
asfbr-2054	26	4	role	role	NOUN
asfbr-2054	26	5	of	of	ADP
asfbr-2054	26	6	mobile	mobile	ADJ
asfbr-2054	26	7	banking	banking	NOUN
asfbr-2054	26	8	policies	policy	NOUN
asfbr-2054	26	9	and	and	CCONJ
asfbr-2054	26	10	regulatory	regulatory	ADJ
asfbr-2054	26	11	frameworks	framework	NOUN
asfbr-2054	26	12	in	in	ADP
asfbr-2054	26	13	generating	generate	VERB
asfbr-2054	26	14	an	an	DET
asfbr-2054	26	15	enabling	enable	VERB
asfbr-2054	26	16	regulatory	regulatory	ADJ
asfbr-2054	26	17	environment	environment	NOUN
asfbr-2054	26	18	for	for	ADP
asfbr-2054	26	19	mobile	mobile	ADJ
asfbr-2054	26	20	banking	banking	NOUN
asfbr-2054	26	21	transactions	transaction	NOUN
asfbr-2054	26	22	in	in	ADP
asfbr-2054	26	23	bangladesh	bangladesh	NOUN
asfbr-2054	26	24	.	.	PUNCT
asfbr-2054	27	1	1corresponding	1corresponding	NUM
asfbr-2054	27	2	author	author	NOUN
asfbr-2054	27	3	:	:	PUNCT
asfbr-2054	27	4	orcid	orcid	PROPN
asfbr-2054	27	5	i	i	PRON
asfbr-2054	27	6	d	d	NOUN
asfbr-2054	27	7	:	:	PUNCT
asfbr-2054	27	8	0009	0009	NUM
asfbr-2054	27	9	-	-	PUNCT
asfbr-2054	27	10	0002	0002	NUM
asfbr-2054	27	11	-	-	PUNCT
asfbr-2054	27	12	1521	1521	NUM
asfbr-2054	27	13	-	-	SYM
asfbr-2054	27	14	7133	7133	NUM
asfbr-2054	27	15	©	©	PROPN
asfbr-2054	27	16	2023	2023	NUM
asfbr-2054	27	17	by	by	ADP
asfbr-2054	27	18	the	the	DET
asfbr-2054	27	19	authors	author	NOUN
asfbr-2054	27	20	.	.	PUNCT
asfbr-2054	28	1	hosting	host	VERB
asfbr-2054	28	2	by	by	ADP
asfbr-2054	28	3	cribfb	cribfb	PROPN
asfbr-2054	28	4	.	.	PUNCT
asfbr-2054	29	1	peer	peer	NOUN
asfbr-2054	29	2	review	review	NOUN
asfbr-2054	29	3	under	under	ADP
asfbr-2054	29	4	responsibility	responsibility	NOUN
asfbr-2054	29	5	of	of	ADP
asfbr-2054	29	6	cribfb	cribfb	PROPN
asfbr-2054	29	7	,	,	PUNCT
asfbr-2054	29	8	usa	usa	PROPN
asfbr-2054	29	9	.	.	PROPN
asfbr-2054	29	10	https://doi.org/10.46281/asfbr.v7i1.2054	https://doi.org/10.46281/asfbr.v7i1.2054	PROPN
asfbr-2054	29	11	to	to	PART
asfbr-2054	29	12	cite	cite	VERB
asfbr-2054	29	13	this	this	DET
asfbr-2054	29	14	article	article	NOUN
asfbr-2054	29	15	:	:	PUNCT
asfbr-2054	29	16	kabir	kabir	PROPN
asfbr-2054	29	17	,	,	PUNCT
asfbr-2054	29	18	m.	m.	PROPN
asfbr-2054	29	19	r.	r.	PROPN
asfbr-2054	29	20	,	,	PUNCT
asfbr-2054	29	21	&	&	CCONJ
asfbr-2054	29	22	hossain	hossain	PROPN
asfbr-2054	29	23	,	,	PUNCT
asfbr-2054	29	24	m.	m.	NOUN
asfbr-2054	29	25	a.	a.	NOUN
asfbr-2054	29	26	(	(	PUNCT
asfbr-2054	29	27	2023	2023	NUM
asfbr-2054	29	28	)	)	PUNCT
asfbr-2054	29	29	.	.	PUNCT
asfbr-2054	30	1	mobile	mobile	ADJ
asfbr-2054	30	2	banking	banking	NOUN
asfbr-2054	30	3	in	in	ADP
asfbr-2054	30	4	bangladesh	bangladesh	PROPN
asfbr-2054	30	5	:	:	PUNCT
asfbr-2054	30	6	a	a	DET
asfbr-2054	30	7	policy	policy	NOUN
asfbr-2054	30	8	and	and	CCONJ
asfbr-2054	30	9	regulatory	regulatory	ADJ
asfbr-2054	30	10	review	review	NOUN
asfbr-2054	30	11	.	.	PUNCT
asfbr-2054	31	1	asian	asian	PROPN
asfbr-2054	31	2	finance	finance	PROPN
asfbr-2054	31	3	&	&	CCONJ
asfbr-2054	31	4	banking	banking	PROPN
asfbr-2054	31	5	review	review	PROPN
asfbr-2054	31	6	,	,	PUNCT
asfbr-2054	31	7	7(1	7(1	NUM
asfbr-2054	31	8	)	)	PUNCT
asfbr-2054	31	9	,	,	PUNCT
asfbr-2054	31	10	10	10	NUM
asfbr-2054	31	11	-	-	SYM
asfbr-2054	31	12	16	16	NUM
asfbr-2054	31	13	.	.	PUNCT
asfbr-2054	32	1	https://doi.org/10.46281/asfbr.v7i1.2054	https://doi.org/10.46281/asfbr.v7i1.2054	X
asfbr-2054	33	1	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
asfbr-2054	33	2	)	)	PUNCT
asfbr-2054	33	3	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
asfbr-2054	33	4	)	)	PUNCT
asfbr-2054	33	5	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
asfbr-2054	33	6	)	)	PUNCT
asfbr-2054	33	7	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
asfbr-2054	33	8	)	)	PUNCT
asfbr-2054	33	9	https://doi.org/10.46281/asfbr.v7i1.2054	https://doi.org/10.46281/asfbr.v7i1.2054	PROPN
asfbr-2054	33	10	https://orcid.org/0009-0002-1521-7133	https://orcid.org/0009-0002-1521-7133	PROPN
asfbr-2054	33	11	https://orcid.org/0009-0008-8040-3243	https://orcid.org/0009-0008-8040-3243	PROPN
asfbr-2054	33	12	kabir	kabir	PROPN
asfbr-2054	33	13	&	&	CCONJ
asfbr-2054	33	14	hossain	hossain	PROPN
asfbr-2054	33	15	,	,	PUNCT
asfbr-2054	33	16	asian	asian	ADJ
asfbr-2054	33	17	finance	finance	PROPN
asfbr-2054	33	18	&	&	CCONJ
asfbr-2054	33	19	banking	banking	PROPN
asfbr-2054	33	20	review	review	NOUN
asfbr-2054	33	21	7(1	7(1	NUM
asfbr-2054	33	22	)	)	PUNCT
asfbr-2054	33	23	(	(	PUNCT
asfbr-2054	33	24	2023	2023	NUM
asfbr-2054	33	25	)	)	PUNCT
asfbr-2054	33	26	,	,	PUNCT
asfbr-2054	33	27	10	10	NUM
asfbr-2054	33	28	-	-	SYM
asfbr-2054	33	29	16	16	NUM
asfbr-2054	33	30	11	11	NUM
asfbr-2054	33	31	the	the	DET
asfbr-2054	33	32	study	study	NOUN
asfbr-2054	33	33	described	describe	VERB
asfbr-2054	33	34	the	the	DET
asfbr-2054	33	35	introduction	introduction	NOUN
asfbr-2054	33	36	,	,	PUNCT
asfbr-2054	33	37	literature	literature	PROPN
asfbr-2054	33	38	review	review	PROPN
asfbr-2054	33	39	,	,	PUNCT
asfbr-2054	33	40	objectives	objective	NOUN
asfbr-2054	33	41	,	,	PUNCT
asfbr-2054	33	42	and	and	CCONJ
asfbr-2054	33	43	methodology	methodology	NOUN
asfbr-2054	33	44	.	.	PUNCT
asfbr-2054	34	1	then	then	ADV
asfbr-2054	34	2	review	review	VERB
asfbr-2054	34	3	the	the	DET
asfbr-2054	34	4	mobile	mobile	ADJ
asfbr-2054	34	5	banking	banking	NOUN
asfbr-2054	34	6	policy	policy	NOUN
asfbr-2054	34	7	and	and	CCONJ
asfbr-2054	34	8	regulations	regulation	NOUN
asfbr-2054	34	9	.	.	PUNCT
asfbr-2054	35	1	draw	draw	VERB
asfbr-2054	35	2	the	the	DET
asfbr-2054	35	3	mobile	mobile	ADJ
asfbr-2054	35	4	banking	banking	NOUN
asfbr-2054	35	5	regulatory	regulatory	ADJ
asfbr-2054	35	6	relative	relative	ADJ
asfbr-2054	35	7	index	index	NOUN
asfbr-2054	35	8	and	and	CCONJ
asfbr-2054	35	9	carry	carry	VERB
asfbr-2054	35	10	out	out	ADP
asfbr-2054	35	11	the	the	DET
asfbr-2054	35	12	regression	regression	NOUN
asfbr-2054	35	13	analysis	analysis	NOUN
asfbr-2054	35	14	.	.	PUNCT
asfbr-2054	36	1	lastly	lastly	ADV
asfbr-2054	36	2	,	,	PUNCT
asfbr-2054	36	3	it	it	PRON
asfbr-2054	36	4	presents	present	VERB
asfbr-2054	36	5	the	the	DET
asfbr-2054	36	6	conclusion	conclusion	NOUN
asfbr-2054	36	7	,	,	PUNCT
asfbr-2054	36	8	findings	finding	NOUN
asfbr-2054	36	9	and	and	CCONJ
asfbr-2054	36	10	suggestions	suggestion	NOUN
asfbr-2054	36	11	.	.	PUNCT
asfbr-2054	37	1	literature	literature	NOUN
asfbr-2054	37	2	review	review	VERB
asfbr-2054	37	3	the	the	DET
asfbr-2054	37	4	regulatory	regulatory	ADJ
asfbr-2054	37	5	policy	policy	NOUN
asfbr-2054	37	6	framework	framework	NOUN
asfbr-2054	37	7	is	be	AUX
asfbr-2054	37	8	essential	essential	ADJ
asfbr-2054	37	9	to	to	ADP
asfbr-2054	37	10	customer	customer	NOUN
asfbr-2054	37	11	protection	protection	NOUN
asfbr-2054	37	12	and	and	CCONJ
asfbr-2054	37	13	supports	support	VERB
asfbr-2054	37	14	minimizing	minimize	VERB
asfbr-2054	37	15	risk	risk	NOUN
asfbr-2054	37	16	,	,	PUNCT
asfbr-2054	37	17	essential	essential	ADJ
asfbr-2054	37	18	to	to	ADP
asfbr-2054	37	19	stabilizing	stabilize	VERB
asfbr-2054	37	20	financial	financial	ADJ
asfbr-2054	37	21	inclusion	inclusion	NOUN
asfbr-2054	37	22	.	.	PUNCT
asfbr-2054	38	1	the	the	DET
asfbr-2054	38	2	national	national	ADJ
asfbr-2054	38	3	financial	financial	ADJ
asfbr-2054	38	4	inclusion	inclusion	NOUN
asfbr-2054	38	5	strategy	strategy	NOUN
asfbr-2054	38	6	of	of	ADP
asfbr-2054	38	7	bangladesh	bangladesh	PROPN
asfbr-2054	38	8	(	(	PUNCT
asfbr-2054	38	9	nfis	nfis	NOUN
asfbr-2054	38	10	-	-	PUNCT
asfbr-2054	38	11	b	b	NOUN
asfbr-2054	38	12	)	)	PUNCT
asfbr-2054	38	13	has	have	AUX
asfbr-2054	38	14	been	be	AUX
asfbr-2054	38	15	reviewed	review	VERB
asfbr-2054	38	16	and	and	CCONJ
asfbr-2054	38	17	found	find	VERB
asfbr-2054	38	18	that	that	SCONJ
asfbr-2054	38	19	transformative	transformative	ADJ
asfbr-2054	38	20	power	power	NOUN
asfbr-2054	38	21	has	have	AUX
asfbr-2054	38	22	been	be	AUX
asfbr-2054	38	23	given	give	VERB
asfbr-2054	38	24	to	to	ADP
asfbr-2054	38	25	service	service	NOUN
asfbr-2054	38	26	providers	provider	NOUN
asfbr-2054	38	27	for	for	ADP
asfbr-2054	38	28	offering	offer	VERB
asfbr-2054	38	29	diversified	diversified	ADJ
asfbr-2054	38	30	products	product	NOUN
asfbr-2054	38	31	and	and	CCONJ
asfbr-2054	38	32	services	service	NOUN
asfbr-2054	38	33	,	,	PUNCT
asfbr-2054	38	34	including	include	VERB
asfbr-2054	38	35	payments	payment	NOUN
asfbr-2054	38	36	,	,	PUNCT
asfbr-2054	38	37	savings	saving	NOUN
asfbr-2054	38	38	,	,	PUNCT
asfbr-2054	38	39	insurance	insurance	NOUN
asfbr-2054	38	40	and	and	CCONJ
asfbr-2054	38	41	credit	credit	NOUN
asfbr-2054	38	42	.	.	PUNCT
asfbr-2054	39	1	possible	possible	ADJ
asfbr-2054	39	2	regulations	regulation	NOUN
asfbr-2054	39	3	will	will	AUX
asfbr-2054	39	4	impose	impose	VERB
asfbr-2054	39	5	structural	structural	ADJ
asfbr-2054	39	6	rigidities	rigidity	NOUN
asfbr-2054	39	7	related	relate	VERB
asfbr-2054	39	8	to	to	ADP
asfbr-2054	39	9	administrative	administrative	ADJ
asfbr-2054	39	10	,	,	PUNCT
asfbr-2054	39	11	documentation	documentation	NOUN
asfbr-2054	39	12	,	,	PUNCT
asfbr-2054	39	13	reporting	reporting	NOUN
asfbr-2054	39	14	,	,	PUNCT
asfbr-2054	39	15	and	and	CCONJ
asfbr-2054	39	16	auditing	auditing	NOUN
asfbr-2054	39	17	aspects	aspect	NOUN
asfbr-2054	39	18	of	of	ADP
asfbr-2054	39	19	village	village	NOUN
asfbr-2054	39	20	savings	saving	NOUN
asfbr-2054	39	21	and	and	CCONJ
asfbr-2054	39	22	loans	loan	NOUN
asfbr-2054	39	23	.	.	PUNCT
asfbr-2054	40	1	they	they	PRON
asfbr-2054	40	2	found	find	VERB
asfbr-2054	40	3	from	from	ADP
asfbr-2054	40	4	the	the	DET
asfbr-2054	40	5	survey	survey	NOUN
asfbr-2054	40	6	results	result	VERB
asfbr-2054	40	7	that	that	SCONJ
asfbr-2054	40	8	the	the	DET
asfbr-2054	40	9	consumer	consumer	NOUN
asfbr-2054	40	10	lack	lack	NOUN
asfbr-2054	40	11	preparation	preparation	NOUN
asfbr-2054	40	12	in	in	ADP
asfbr-2054	40	13	terms	term	NOUN
asfbr-2054	40	14	of	of	ADP
asfbr-2054	40	15	legal	legal	ADJ
asfbr-2054	40	16	,	,	PUNCT
asfbr-2054	40	17	accounting	accounting	NOUN
asfbr-2054	40	18	,	,	PUNCT
asfbr-2054	40	19	and	and	CCONJ
asfbr-2054	40	20	financial	financial	ADJ
asfbr-2054	40	21	knowledge	knowledge	NOUN
asfbr-2054	40	22	in	in	ADP
asfbr-2054	40	23	terms	term	NOUN
asfbr-2054	40	24	of	of	ADP
asfbr-2054	40	25	administrative	administrative	ADJ
asfbr-2054	40	26	skills	skill	NOUN
asfbr-2054	40	27	to	to	PART
asfbr-2054	40	28	embrace	embrace	VERB
asfbr-2054	40	29	,	,	PUNCT
asfbr-2054	40	30	to	to	PART
asfbr-2054	40	31	adapt	adapt	VERB
asfbr-2054	40	32	to	to	ADP
asfbr-2054	40	33	any	any	DET
asfbr-2054	40	34	possible	possible	ADJ
asfbr-2054	40	35	regulation	regulation	NOUN
asfbr-2054	40	36	(	(	PUNCT
asfbr-2054	40	37	chowdhury	chowdhury	PROPN
asfbr-2054	40	38	et	et	PROPN
asfbr-2054	40	39	al	al	PROPN
asfbr-2054	40	40	.	.	PROPN
asfbr-2054	40	41	,	,	PUNCT
asfbr-2054	40	42	2021	2021	NUM
asfbr-2054	40	43	)	)	PUNCT
asfbr-2054	40	44	.	.	PUNCT
asfbr-2054	41	1	the	the	DET
asfbr-2054	41	2	major	major	ADJ
asfbr-2054	41	3	constraints	constraint	NOUN
asfbr-2054	41	4	of	of	ADP
asfbr-2054	41	5	bangladesh	bangladesh	NOUN
asfbr-2054	41	6	's	's	PART
asfbr-2054	41	7	mobile	mobile	ADJ
asfbr-2054	41	8	banking	banking	NOUN
asfbr-2054	41	9	regulatory	regulatory	ADJ
asfbr-2054	41	10	policy	policy	NOUN
asfbr-2054	41	11	include	include	VERB
asfbr-2054	41	12	excessive	excessive	ADJ
asfbr-2054	41	13	service	service	NOUN
asfbr-2054	41	14	fees	fee	NOUN
asfbr-2054	41	15	,	,	PUNCT
asfbr-2054	41	16	regulation	regulation	NOUN
asfbr-2054	41	17	of	of	ADP
asfbr-2054	41	18	transaction	transaction	NOUN
asfbr-2054	41	19	ceiling	ceiling	NOUN
asfbr-2054	41	20	,	,	PUNCT
asfbr-2054	41	21	fraudulent	fraudulent	ADJ
asfbr-2054	41	22	practices	practice	NOUN
asfbr-2054	41	23	,	,	PUNCT
asfbr-2054	41	24	lack	lack	NOUN
asfbr-2054	41	25	of	of	ADP
asfbr-2054	41	26	interoperability	interoperability	NOUN
asfbr-2054	41	27	facilities	facility	NOUN
asfbr-2054	41	28	,	,	PUNCT
asfbr-2054	41	29	and	and	CCONJ
asfbr-2054	41	30	monopoly	monopoly	NOUN
asfbr-2054	41	31	of	of	ADP
asfbr-2054	41	32	service	service	NOUN
asfbr-2054	41	33	providers	provider	NOUN
asfbr-2054	41	34	.	.	PUNCT
asfbr-2054	42	1	therefore	therefore	ADV
asfbr-2054	42	2	,	,	PUNCT
asfbr-2054	42	3	policymakers	policymaker	NOUN
asfbr-2054	42	4	and	and	CCONJ
asfbr-2054	42	5	regulators	regulator	NOUN
asfbr-2054	42	6	,	,	PUNCT
asfbr-2054	42	7	including	include	VERB
asfbr-2054	42	8	the	the	DET
asfbr-2054	42	9	bangladesh	bangladesh	PROPN
asfbr-2054	42	10	bank	bank	NOUN
asfbr-2054	42	11	,	,	PUNCT
asfbr-2054	42	12	should	should	AUX
asfbr-2054	42	13	consider	consider	VERB
asfbr-2054	42	14	the	the	DET
asfbr-2054	42	15	above	above	ADJ
asfbr-2054	42	16	findings	finding	NOUN
asfbr-2054	42	17	to	to	PART
asfbr-2054	42	18	improve	improve	VERB
asfbr-2054	42	19	mobile	mobile	ADJ
asfbr-2054	42	20	banking	banking	NOUN
asfbr-2054	42	21	services	service	NOUN
asfbr-2054	42	22	in	in	ADP
asfbr-2054	42	23	bangladesh	bangladesh	PROPN
asfbr-2054	42	24	(	(	PUNCT
asfbr-2054	42	25	amin	amin	NOUN
asfbr-2054	42	26	,	,	PUNCT
asfbr-2054	42	27	2021	2021	NUM
asfbr-2054	42	28	)	)	PUNCT
asfbr-2054	42	29	.	.	PUNCT
asfbr-2054	43	1	the	the	DET
asfbr-2054	43	2	authorities	authority	NOUN
asfbr-2054	43	3	should	should	AUX
asfbr-2054	43	4	anticipate	anticipate	VERB
asfbr-2054	43	5	the	the	DET
asfbr-2054	43	6	risks	risk	NOUN
asfbr-2054	43	7	associated	associate	VERB
asfbr-2054	43	8	with	with	ADP
asfbr-2054	43	9	mobile	mobile	ADJ
asfbr-2054	43	10	banking	banking	NOUN
asfbr-2054	43	11	and	and	CCONJ
asfbr-2054	43	12	concentrate	concentrate	VERB
asfbr-2054	43	13	on	on	ADP
asfbr-2054	43	14	preserving	preserve	VERB
asfbr-2054	43	15	the	the	DET
asfbr-2054	43	16	sector	sector	NOUN
asfbr-2054	43	17	's	's	PART
asfbr-2054	43	18	expansion	expansion	NOUN
asfbr-2054	43	19	by	by	ADP
asfbr-2054	43	20	preventing	prevent	VERB
asfbr-2054	43	21	unauthorized	unauthorized	ADJ
asfbr-2054	43	22	groups	group	NOUN
asfbr-2054	43	23	from	from	ADP
asfbr-2054	43	24	subverting	subvert	VERB
asfbr-2054	43	25	their	their	PRON
asfbr-2054	43	26	restrictions	restriction	NOUN
asfbr-2054	43	27	(	(	PUNCT
asfbr-2054	43	28	weber	weber	PROPN
asfbr-2054	43	29	&	&	CCONJ
asfbr-2054	43	30	darbellay	darbellay	PROPN
asfbr-2054	43	31	,	,	PUNCT
asfbr-2054	43	32	2010	2010	NUM
asfbr-2054	43	33	)	)	PUNCT
asfbr-2054	43	34	.	.	PUNCT
asfbr-2054	44	1	ondiege	ondiege	ADJ
asfbr-2054	44	2	(	(	PUNCT
asfbr-2054	44	3	2015	2015	NUM
asfbr-2054	44	4	)	)	PUNCT
asfbr-2054	44	5	conducted	conduct	VERB
asfbr-2054	44	6	a	a	DET
asfbr-2054	44	7	study	study	NOUN
asfbr-2054	44	8	to	to	PART
asfbr-2054	44	9	understand	understand	VERB
asfbr-2054	44	10	better	well	ADV
asfbr-2054	44	11	how	how	SCONJ
asfbr-2054	44	12	the	the	DET
asfbr-2054	44	13	regulatory	regulatory	ADJ
asfbr-2054	44	14	environment	environment	NOUN
asfbr-2054	44	15	affects	affect	VERB
asfbr-2054	44	16	the	the	DET
asfbr-2054	44	17	expansion	expansion	NOUN
asfbr-2054	44	18	of	of	ADP
asfbr-2054	44	19	financial	financial	ADJ
asfbr-2054	44	20	inclusion	inclusion	NOUN
asfbr-2054	44	21	through	through	ADP
asfbr-2054	44	22	digital	digital	ADJ
asfbr-2054	44	23	techniques	technique	NOUN
asfbr-2054	44	24	like	like	ADP
asfbr-2054	44	25	mobile	mobile	ADJ
asfbr-2054	44	26	phone	phone	NOUN
asfbr-2054	44	27	payments	payment	NOUN
asfbr-2054	44	28	in	in	ADP
asfbr-2054	44	29	african	african	ADJ
asfbr-2054	44	30	nations	nation	NOUN
asfbr-2054	44	31	,	,	PUNCT
asfbr-2054	44	32	including	include	VERB
asfbr-2054	44	33	kenya	kenya	PROPN
asfbr-2054	44	34	,	,	PUNCT
asfbr-2054	44	35	nigeria	nigeria	PROPN
asfbr-2054	44	36	,	,	PUNCT
asfbr-2054	44	37	tanzania	tanzania	PROPN
asfbr-2054	44	38	,	,	PUNCT
asfbr-2054	44	39	and	and	CCONJ
asfbr-2054	44	40	uganda	uganda	PROPN
asfbr-2054	44	41	.	.	PUNCT
asfbr-2054	45	1	it	it	PRON
asfbr-2054	45	2	then	then	ADV
asfbr-2054	45	3	examines	examine	VERB
asfbr-2054	45	4	the	the	DET
asfbr-2054	45	5	various	various	ADJ
asfbr-2054	45	6	laws	law	NOUN
asfbr-2054	45	7	that	that	PRON
asfbr-2054	45	8	have	have	AUX
asfbr-2054	45	9	impacted	impact	VERB
asfbr-2054	45	10	the	the	DET
asfbr-2054	45	11	expansion	expansion	NOUN
asfbr-2054	45	12	of	of	ADP
asfbr-2054	45	13	financial	financial	ADJ
asfbr-2054	45	14	inclusion	inclusion	NOUN
asfbr-2054	45	15	through	through	ADP
asfbr-2054	45	16	mobile	mobile	ADJ
asfbr-2054	45	17	financial	financial	ADJ
asfbr-2054	45	18	services	service	NOUN
asfbr-2054	45	19	in	in	ADP
asfbr-2054	45	20	the	the	DET
asfbr-2054	45	21	four	four	NUM
asfbr-2054	45	22	countries	country	NOUN
asfbr-2054	45	23	.	.	PUNCT
asfbr-2054	46	1	regulators	regulator	NOUN
asfbr-2054	46	2	must	must	AUX
asfbr-2054	46	3	address	address	VERB
asfbr-2054	46	4	concerns	concern	NOUN
asfbr-2054	46	5	,	,	PUNCT
asfbr-2054	46	6	including	include	VERB
asfbr-2054	46	7	enhancing	enhance	VERB
asfbr-2054	46	8	helpful	helpful	ADJ
asfbr-2054	46	9	regulatory	regulatory	ADJ
asfbr-2054	46	10	frameworks	framework	NOUN
asfbr-2054	46	11	,	,	PUNCT
asfbr-2054	46	12	creating	create	VERB
asfbr-2054	46	13	financial	financial	ADJ
asfbr-2054	46	14	infrastructure	infrastructure	NOUN
asfbr-2054	46	15	,	,	PUNCT
asfbr-2054	46	16	and	and	CCONJ
asfbr-2054	46	17	running	run	VERB
asfbr-2054	46	18	financial	financial	ADJ
asfbr-2054	46	19	literacy	literacy	NOUN
asfbr-2054	46	20	initiatives	initiative	NOUN
asfbr-2054	46	21	.	.	PUNCT
asfbr-2054	47	1	developed	develop	VERB
asfbr-2054	47	2	and	and	CCONJ
asfbr-2054	47	3	developing	develop	VERB
asfbr-2054	47	4	countries	country	NOUN
asfbr-2054	47	5	understand	understand	VERB
asfbr-2054	47	6	the	the	DET
asfbr-2054	47	7	importance	importance	NOUN
asfbr-2054	47	8	of	of	ADP
asfbr-2054	47	9	these	these	DET
asfbr-2054	47	10	issues	issue	NOUN
asfbr-2054	47	11	and	and	CCONJ
asfbr-2054	47	12	have	have	AUX
asfbr-2054	47	13	made	make	VERB
asfbr-2054	47	14	separate	separate	ADJ
asfbr-2054	47	15	mobile	mobile	ADJ
asfbr-2054	47	16	banking	banking	NOUN
asfbr-2054	47	17	regulations	regulation	NOUN
asfbr-2054	47	18	to	to	PART
asfbr-2054	47	19	monitor	monitor	VERB
asfbr-2054	47	20	and	and	CCONJ
asfbr-2054	47	21	control	control	VERB
asfbr-2054	47	22	their	their	PRON
asfbr-2054	47	23	activity	activity	NOUN
asfbr-2054	47	24	.	.	PUNCT
asfbr-2054	48	1	many	many	ADJ
asfbr-2054	48	2	countries	country	NOUN
asfbr-2054	48	3	have	have	AUX
asfbr-2054	48	4	made	make	VERB
asfbr-2054	48	5	separate	separate	ADJ
asfbr-2054	48	6	m	m	ADJ
asfbr-2054	48	7	-	-	ADJ
asfbr-2054	48	8	banking	banking	NOUN
asfbr-2054	48	9	regulations	regulation	NOUN
asfbr-2054	48	10	,	,	PUNCT
asfbr-2054	48	11	namely	namely	ADV
asfbr-2054	48	12	afghanistan	afghanistan	PROPN
asfbr-2054	48	13	,	,	PUNCT
asfbr-2054	48	14	brazil	brazil	PROPN
asfbr-2054	48	15	,	,	PUNCT
asfbr-2054	48	16	cambodia	cambodia	PROPN
asfbr-2054	48	17	,	,	PUNCT
asfbr-2054	48	18	india	india	PROPN
asfbr-2054	48	19	,	,	PUNCT
asfbr-2054	48	20	indonesia	indonesia	PROPN
asfbr-2054	48	21	,	,	PUNCT
asfbr-2054	48	22	kenya	kenya	PROPN
asfbr-2054	48	23	,	,	PUNCT
asfbr-2054	48	24	malaysia	malaysia	PROPN
asfbr-2054	48	25	,	,	PUNCT
asfbr-2054	48	26	philippines	philippine	NOUN
asfbr-2054	48	27	,	,	PUNCT
asfbr-2054	48	28	south	south	PROPN
asfbr-2054	48	29	africa	africa	PROPN
asfbr-2054	48	30	,	,	PUNCT
asfbr-2054	48	31	and	and	CCONJ
asfbr-2054	48	32	uemoa	uemoa	NOUN
asfbr-2054	48	33	,	,	PUNCT
asfbr-2054	48	34	which	which	PRON
asfbr-2054	48	35	has	have	AUX
asfbr-2054	48	36	emphasized	emphasize	VERB
asfbr-2054	48	37	aml	aml	PROPN
asfbr-2054	48	38	,	,	PUNCT
asfbr-2054	48	39	cft	cft	NOUN
asfbr-2054	48	40	,	,	PUNCT
asfbr-2054	48	41	and	and	CCONJ
asfbr-2054	48	42	kyc	kyc	PROPN
asfbr-2054	48	43	issues	issue	NOUN
asfbr-2054	48	44	in	in	ADP
asfbr-2054	48	45	its	its	PRON
asfbr-2054	48	46	transaction	transaction	NOUN
asfbr-2054	48	47	process	process	NOUN
asfbr-2054	48	48	(	(	PUNCT
asfbr-2054	48	49	lyman	lyman	PROPN
asfbr-2054	48	50	et	et	PROPN
asfbr-2054	48	51	al	al	PROPN
asfbr-2054	48	52	.	.	PROPN
asfbr-2054	48	53	,	,	PUNCT
asfbr-2054	48	54	2008	2008	NUM
asfbr-2054	48	55	,	,	PUNCT
asfbr-2054	48	56	tarazi	tarazi	NOUN
asfbr-2054	48	57	&	&	CCONJ
asfbr-2054	48	58	breloff	breloff	NOUN
asfbr-2054	48	59	,	,	PUNCT
asfbr-2054	48	60	2010	2010	NUM
asfbr-2054	48	61	)	)	PUNCT
asfbr-2054	48	62	.	.	PUNCT
asfbr-2054	49	1	policy	policy	NOUN
asfbr-2054	49	2	regarding	regard	VERB
asfbr-2054	49	3	mobile	mobile	ADJ
asfbr-2054	49	4	money	money	NOUN
asfbr-2054	49	5	is	be	AUX
asfbr-2054	49	6	now	now	ADV
asfbr-2054	49	7	being	be	AUX
asfbr-2054	49	8	addressed	address	VERB
asfbr-2054	49	9	in	in	ADP
asfbr-2054	49	10	latin	latin	ADJ
asfbr-2054	49	11	american	american	ADJ
asfbr-2054	49	12	countries	country	NOUN
asfbr-2054	49	13	.	.	PUNCT
asfbr-2054	50	1	this	this	DET
asfbr-2054	50	2	policy	policy	NOUN
asfbr-2054	50	3	emphasizes	emphasize	VERB
asfbr-2054	50	4	to	to	PART
asfbr-2054	50	5	develop	develop	VERB
asfbr-2054	50	6	of	of	ADP
asfbr-2054	50	7	a	a	DET
asfbr-2054	50	8	legal	legal	ADJ
asfbr-2054	50	9	framework	framework	NOUN
asfbr-2054	50	10	from	from	ADP
asfbr-2054	50	11	three	three	NUM
asfbr-2054	50	12	main	main	ADJ
asfbr-2054	50	13	mobile	mobile	ADJ
asfbr-2054	50	14	banking	banking	NOUN
asfbr-2054	50	15	concerning	concern	VERB
asfbr-2054	50	16	issues	issue	NOUN
asfbr-2054	50	17	:	:	PUNCT
asfbr-2054	50	18	first	first	ADV
asfbr-2054	50	19	,	,	PUNCT
asfbr-2054	50	20	the	the	DET
asfbr-2054	50	21	financial	financial	ADJ
asfbr-2054	50	22	risk	risk	NOUN
asfbr-2054	50	23	associated	associate	VERB
asfbr-2054	50	24	with	with	ADP
asfbr-2054	50	25	these	these	DET
asfbr-2054	50	26	kinds	kind	NOUN
asfbr-2054	50	27	of	of	ADP
asfbr-2054	50	28	operational	operational	ADJ
asfbr-2054	50	29	processes	process	NOUN
asfbr-2054	50	30	;	;	PUNCT
asfbr-2054	50	31	second	second	X
asfbr-2054	50	32	,	,	PUNCT
asfbr-2054	50	33	to	to	PART
asfbr-2054	50	34	regulate	regulate	VERB
asfbr-2054	50	35	the	the	DET
asfbr-2054	50	36	adherence	adherence	NOUN
asfbr-2054	50	37	of	of	ADP
asfbr-2054	50	38	legislation	legislation	NOUN
asfbr-2054	50	39	concerning	concern	VERB
asfbr-2054	50	40	money	money	NOUN
asfbr-2054	50	41	laundering	laundering	NOUN
asfbr-2054	50	42	and	and	CCONJ
asfbr-2054	50	43	terrorism	terrorism	NOUN
asfbr-2054	50	44	financing	financing	NOUN
asfbr-2054	50	45	;	;	PUNCT
asfbr-2054	50	46	and	and	CCONJ
asfbr-2054	50	47	finally	finally	ADV
asfbr-2054	50	48	,	,	PUNCT
asfbr-2054	50	49	to	to	PART
asfbr-2054	50	50	protect	protect	VERB
asfbr-2054	50	51	consumers	consumer	NOUN
asfbr-2054	50	52	from	from	ADP
asfbr-2054	50	53	fraud	fraud	NOUN
asfbr-2054	50	54	on	on	ADP
asfbr-2054	50	55	behalf	behalf	NOUN
asfbr-2054	50	56	of	of	ADP
asfbr-2054	50	57	the	the	DET
asfbr-2054	50	58	system	system	NOUN
asfbr-2054	50	59	administration	administration	NOUN
asfbr-2054	50	60	,	,	PUNCT
asfbr-2054	50	61	as	as	ADV
asfbr-2054	50	62	well	well	ADV
asfbr-2054	50	63	as	as	ADP
asfbr-2054	50	64	to	to	PART
asfbr-2054	50	65	protect	protect	VERB
asfbr-2054	50	66	personal	personal	ADJ
asfbr-2054	50	67	private	private	ADJ
asfbr-2054	50	68	data	datum	NOUN
asfbr-2054	50	69	(	(	PUNCT
asfbr-2054	50	70	groppa	groppa	NOUN
asfbr-2054	50	71	&	&	CCONJ
asfbr-2054	50	72	curi	curi	PROPN
asfbr-2054	50	73	,	,	PUNCT
asfbr-2054	50	74	2012	2012	NUM
asfbr-2054	50	75	)	)	PUNCT
asfbr-2054	50	76	.	.	PUNCT
asfbr-2054	51	1	while	while	SCONJ
asfbr-2054	51	2	kenya	kenya	PROPN
asfbr-2054	51	3	chose	choose	VERB
asfbr-2054	51	4	a	a	DET
asfbr-2054	51	5	liberal	liberal	ADJ
asfbr-2054	51	6	policy	policy	NOUN
asfbr-2054	51	7	structure	structure	NOUN
asfbr-2054	51	8	that	that	PRON
asfbr-2054	51	9	encourages	encourage	VERB
asfbr-2054	51	10	the	the	DET
asfbr-2054	51	11	proliferation	proliferation	NOUN
asfbr-2054	51	12	of	of	ADP
asfbr-2054	51	13	m	m	NOUN
asfbr-2054	51	14	-	-	NOUN
asfbr-2054	51	15	payments	payment	NOUN
asfbr-2054	51	16	in	in	ADP
asfbr-2054	51	17	a	a	DET
asfbr-2054	51	18	non	non	ADJ
asfbr-2054	51	19	-	-	ADJ
asfbr-2054	51	20	banking	banking	ADJ
asfbr-2054	51	21	system	system	NOUN
asfbr-2054	51	22	,	,	PUNCT
asfbr-2054	51	23	ecuador	ecuador	PROPN
asfbr-2054	51	24	adopted	adopt	VERB
asfbr-2054	51	25	a	a	DET
asfbr-2054	51	26	state	state	NOUN
asfbr-2054	51	27	-	-	PUNCT
asfbr-2054	51	28	controlled	control	VERB
asfbr-2054	51	29	framework	framework	NOUN
asfbr-2054	51	30	,	,	PUNCT
asfbr-2054	51	31	while	while	SCONJ
asfbr-2054	51	32	brazil	brazil	PROPN
asfbr-2054	51	33	is	be	AUX
asfbr-2054	51	34	defining	define	VERB
asfbr-2054	51	35	its	its	PRON
asfbr-2054	51	36	mobile	mobile	ADJ
asfbr-2054	51	37	money	money	NOUN
asfbr-2054	51	38	system	system	NOUN
asfbr-2054	51	39	within	within	ADP
asfbr-2054	51	40	the	the	DET
asfbr-2054	51	41	banking	banking	NOUN
asfbr-2054	51	42	system	system	NOUN
asfbr-2054	51	43	(	(	PUNCT
asfbr-2054	51	44	groppa	groppa	NOUN
asfbr-2054	51	45	&	&	CCONJ
asfbr-2054	51	46	curi	curi	PROPN
asfbr-2054	51	47	,	,	PUNCT
asfbr-2054	51	48	2012	2012	NUM
asfbr-2054	51	49	)	)	PUNCT
asfbr-2054	51	50	.	.	PUNCT
asfbr-2054	52	1	regulatory	regulatory	ADJ
asfbr-2054	52	2	decisions	decision	NOUN
asfbr-2054	52	3	and	and	CCONJ
asfbr-2054	52	4	their	their	PRON
asfbr-2054	52	5	implications	implication	NOUN
asfbr-2054	52	6	influence	influence	VERB
asfbr-2054	52	7	the	the	DET
asfbr-2054	52	8	total	total	ADJ
asfbr-2054	52	9	mobile	mobile	ADJ
asfbr-2054	52	10	financial	financial	ADJ
asfbr-2054	52	11	ecosystem	ecosystem	NOUN
asfbr-2054	52	12	.	.	PUNCT
asfbr-2054	53	1	a	a	DET
asfbr-2054	53	2	favorable	favorable	ADJ
asfbr-2054	53	3	regulatory	regulatory	ADJ
asfbr-2054	53	4	policy	policy	NOUN
asfbr-2054	53	5	and	and	CCONJ
asfbr-2054	53	6	an	an	DET
asfbr-2054	53	7	efficient	efficient	ADJ
asfbr-2054	53	8	monitoring	monitoring	NOUN
asfbr-2054	53	9	system	system	NOUN
asfbr-2054	53	10	would	would	AUX
asfbr-2054	53	11	help	help	VERB
asfbr-2054	53	12	to	to	PART
asfbr-2054	53	13	expand	expand	VERB
asfbr-2054	53	14	mobile	mobile	ADJ
asfbr-2054	53	15	financial	financial	ADJ
asfbr-2054	53	16	services	service	NOUN
asfbr-2054	53	17	among	among	ADP
asfbr-2054	53	18	marginalized	marginalized	ADJ
asfbr-2054	53	19	people	people	NOUN
asfbr-2054	53	20	.	.	PUNCT
asfbr-2054	54	1	the	the	DET
asfbr-2054	54	2	regulation	regulation	NOUN
asfbr-2054	54	3	has	have	VERB
asfbr-2054	54	4	a	a	DET
asfbr-2054	54	5	positive	positive	ADJ
asfbr-2054	54	6	impact	impact	NOUN
asfbr-2054	54	7	on	on	ADP
asfbr-2054	54	8	financial	financial	ADJ
asfbr-2054	54	9	inclusiveness	inclusiveness	NOUN
asfbr-2054	54	10	if	if	SCONJ
asfbr-2054	54	11	this	this	DET
asfbr-2054	54	12	regulation	regulation	NOUN
asfbr-2054	54	13	is	be	AUX
asfbr-2054	54	14	well	well	ADV
asfbr-2054	54	15	-	-	PUNCT
asfbr-2054	54	16	managed	manage	VERB
asfbr-2054	54	17	,	,	PUNCT
asfbr-2054	54	18	properly	properly	ADV
asfbr-2054	54	19	utilized	utilize	VERB
asfbr-2054	54	20	,	,	PUNCT
asfbr-2054	54	21	and	and	CCONJ
asfbr-2054	54	22	monitored	monitor	VERB
asfbr-2054	54	23	.	.	PUNCT
asfbr-2054	55	1	there	there	PRON
asfbr-2054	55	2	is	be	VERB
asfbr-2054	55	3	some	some	DET
asfbr-2054	55	4	evidence	evidence	NOUN
asfbr-2054	55	5	from	from	ADP
asfbr-2054	55	6	the	the	DET
asfbr-2054	55	7	study	study	NOUN
asfbr-2054	55	8	report	report	NOUN
asfbr-2054	55	9	of	of	ADP
asfbr-2054	55	10	some	some	DET
asfbr-2054	55	11	countries	country	NOUN
asfbr-2054	55	12	that	that	PRON
asfbr-2054	55	13	regulations	regulation	NOUN
asfbr-2054	55	14	allowing	allow	VERB
asfbr-2054	55	15	a	a	DET
asfbr-2054	55	16	more	more	ADV
asfbr-2054	55	17	straightforward	straightforward	ADJ
asfbr-2054	55	18	account	account	NOUN
asfbr-2054	55	19	opening	opening	NOUN
asfbr-2054	55	20	process	process	NOUN
asfbr-2054	55	21	for	for	ADP
asfbr-2054	55	22	new	new	ADJ
asfbr-2054	55	23	mobile	mobile	ADJ
asfbr-2054	55	24	banking	banking	NOUN
asfbr-2054	55	25	accounts	account	NOUN
asfbr-2054	55	26	enhanced	enhance	VERB
asfbr-2054	55	27	the	the	DET
asfbr-2054	55	28	more	more	ADV
asfbr-2054	55	29	extensive	extensive	ADJ
asfbr-2054	55	30	adoption	adoption	NOUN
asfbr-2054	55	31	of	of	ADP
asfbr-2054	55	32	mobile	mobile	ADJ
asfbr-2054	55	33	money	money	NOUN
asfbr-2054	55	34	and	and	CCONJ
asfbr-2054	55	35	increased	increase	VERB
asfbr-2054	55	36	financial	financial	ADJ
asfbr-2054	55	37	inclusion	inclusion	NOUN
asfbr-2054	55	38	in	in	ADP
asfbr-2054	55	39	india	india	PROPN
asfbr-2054	55	40	,	,	PUNCT
asfbr-2054	55	41	sri	sri	PROPN
asfbr-2054	55	42	lanka	lanka	PROPN
asfbr-2054	55	43	,	,	PUNCT
asfbr-2054	55	44	pakistan	pakistan	PROPN
asfbr-2054	55	45	,	,	PUNCT
asfbr-2054	55	46	and	and	CCONJ
asfbr-2054	55	47	bangladesh	bangladesh	PROPN
asfbr-2054	55	48	(	(	PUNCT
asfbr-2054	55	49	di	di	X
asfbr-2054	55	50	castri	castri	NOUN
asfbr-2054	55	51	,	,	PUNCT
asfbr-2054	55	52	2013	2013	NUM
asfbr-2054	55	53	;	;	PUNCT
asfbr-2054	55	54	sultana	sultana	NOUN
asfbr-2054	55	55	,	,	PUNCT
asfbr-2054	55	56	2014	2014	NUM
asfbr-2054	55	57	)	)	PUNCT
asfbr-2054	55	58	.	.	PUNCT
asfbr-2054	56	1	moreover	moreover	ADV
asfbr-2054	56	2	,	,	PUNCT
asfbr-2054	56	3	other	other	ADJ
asfbr-2054	56	4	scholars	scholar	NOUN
asfbr-2054	56	5	stated	state	VERB
asfbr-2054	56	6	that	that	SCONJ
asfbr-2054	56	7	the	the	DET
asfbr-2054	56	8	increase	increase	NOUN
asfbr-2054	56	9	in	in	ADP
asfbr-2054	56	10	m	m	NOUN
asfbr-2054	56	11	-	-	NOUN
asfbr-2054	56	12	banking	banking	NOUN
asfbr-2054	56	13	in	in	ADP
asfbr-2054	56	14	kenya	kenya	PROPN
asfbr-2054	56	15	is	be	AUX
asfbr-2054	56	16	due	due	ADJ
asfbr-2054	56	17	to	to	ADP
asfbr-2054	56	18	a	a	DET
asfbr-2054	56	19	friendly	friendly	ADJ
asfbr-2054	56	20	regulatory	regulatory	ADJ
asfbr-2054	56	21	policy	policy	NOUN
asfbr-2054	56	22	(	(	PUNCT
asfbr-2054	56	23	gichuru	gichuru	NOUN
asfbr-2054	56	24	et	et	PROPN
asfbr-2054	56	25	al	al	PROPN
asfbr-2054	56	26	.	.	PROPN
asfbr-2054	56	27	,	,	PUNCT
asfbr-2054	56	28	2021	2021	NUM
asfbr-2054	56	29	;	;	PUNCT
asfbr-2054	56	30	mas	mas	PROPN
asfbr-2054	56	31	&	&	CCONJ
asfbr-2054	56	32	radcliffe	radcliffe	PROPN
asfbr-2054	56	33	,	,	PUNCT
asfbr-2054	56	34	2010	2010	NUM
asfbr-2054	56	35	,	,	PUNCT
asfbr-2054	56	36	omwansa	omwansa	VERB
asfbr-2054	56	37	,	,	PUNCT
asfbr-2054	56	38	2009	2009	NUM
asfbr-2054	56	39	,	,	PUNCT
asfbr-2054	56	40	porteous	porteous	NOUN
asfbr-2054	56	41	,	,	PUNCT
asfbr-2054	56	42	2006	2006	NUM
asfbr-2054	56	43	)	)	PUNCT
asfbr-2054	56	44	.	.	PUNCT
asfbr-2054	57	1	itu	itu	PROPN
asfbr-2054	57	2	adds	add	VERB
asfbr-2054	57	3	that	that	SCONJ
asfbr-2054	57	4	m	m	PROPN
asfbr-2054	57	5	-	-	PUNCT
asfbr-2054	57	6	pesa	pesa	NOUN
asfbr-2054	57	7	's	's	PART
asfbr-2054	57	8	early	early	ADJ
asfbr-2054	57	9	uptake	uptake	ADJ
asfbr-2054	57	10	results	result	NOUN
asfbr-2054	57	11	from	from	ADP
asfbr-2054	57	12	the	the	DET
asfbr-2054	57	13	regulatory	regulatory	ADJ
asfbr-2054	57	14	framework	framework	NOUN
asfbr-2054	57	15	's	's	PART
asfbr-2054	57	16	flexible	flexible	ADJ
asfbr-2054	57	17	openness	openness	NOUN
asfbr-2054	57	18	.	.	PUNCT
asfbr-2054	58	1	it	it	PRON
asfbr-2054	58	2	is	be	AUX
asfbr-2054	58	3	limpid	limpid	ADJ
asfbr-2054	58	4	that	that	SCONJ
asfbr-2054	58	5	the	the	DET
asfbr-2054	58	6	regulatory	regulatory	ADJ
asfbr-2054	58	7	framework	framework	NOUN
asfbr-2054	58	8	is	be	AUX
asfbr-2054	58	9	a	a	DET
asfbr-2054	58	10	vital	vital	ADJ
asfbr-2054	58	11	factor	factor	NOUN
asfbr-2054	58	12	for	for	ADP
asfbr-2054	58	13	the	the	DET
asfbr-2054	58	14	success	success	NOUN
asfbr-2054	58	15	of	of	ADP
asfbr-2054	58	16	mobile	mobile	ADJ
asfbr-2054	58	17	banking	banking	NOUN
asfbr-2054	58	18	.	.	PUNCT
asfbr-2054	59	1	the	the	DET
asfbr-2054	59	2	empirical	empirical	ADJ
asfbr-2054	59	3	research	research	NOUN
asfbr-2054	59	4	has	have	AUX
asfbr-2054	59	5	been	be	AUX
asfbr-2054	59	6	done	do	VERB
asfbr-2054	59	7	on	on	ADP
asfbr-2054	59	8	22	22	NUM
asfbr-2054	59	9	nations	nation	NOUN
asfbr-2054	59	10	and	and	CCONJ
asfbr-2054	59	11	found	find	VERB
asfbr-2054	59	12	that	that	SCONJ
asfbr-2054	59	13	the	the	DET
asfbr-2054	59	14	legal	legal	ADJ
asfbr-2054	59	15	framework	framework	NOUN
asfbr-2054	59	16	is	be	AUX
asfbr-2054	59	17	important	important	ADJ
asfbr-2054	59	18	to	to	ADP
asfbr-2054	59	19	the	the	DET
asfbr-2054	59	20	success	success	NOUN
asfbr-2054	59	21	of	of	ADP
asfbr-2054	59	22	mobile	mobile	ADJ
asfbr-2054	59	23	banking	banking	NOUN
asfbr-2054	59	24	(	(	PUNCT
asfbr-2054	59	25	evans	evans	PROPN
asfbr-2054	59	26	&	&	CCONJ
asfbr-2054	59	27	pirchio	pirchio	PROPN
asfbr-2054	59	28	,	,	PUNCT
asfbr-2054	59	29	2014	2014	NUM
asfbr-2054	59	30	)	)	PUNCT
asfbr-2054	59	31	.	.	PUNCT
asfbr-2054	60	1	on	on	ADP
asfbr-2054	60	2	the	the	DET
asfbr-2054	60	3	other	other	ADJ
asfbr-2054	60	4	hand	hand	NOUN
asfbr-2054	60	5	,	,	PUNCT
asfbr-2054	60	6	the	the	DET
asfbr-2054	60	7	lack	lack	NOUN
asfbr-2054	60	8	of	of	ADP
asfbr-2054	60	9	proper	proper	ADJ
asfbr-2054	60	10	implementation	implementation	NOUN
asfbr-2054	60	11	and	and	CCONJ
asfbr-2054	60	12	strictness	strictness	NOUN
asfbr-2054	60	13	of	of	ADP
asfbr-2054	60	14	mobile	mobile	ADJ
asfbr-2054	60	15	banking	banking	NOUN
asfbr-2054	60	16	regulations	regulation	NOUN
asfbr-2054	60	17	have	have	AUX
asfbr-2054	60	18	created	create	VERB
asfbr-2054	60	19	barriers	barrier	NOUN
asfbr-2054	60	20	to	to	ADP
asfbr-2054	60	21	the	the	DET
asfbr-2054	60	22	financial	financial	ADJ
asfbr-2054	60	23	inclusion	inclusion	NOUN
asfbr-2054	60	24	of	of	ADP
asfbr-2054	60	25	mbs	mb	NOUN
asfbr-2054	60	26	.	.	PUNCT
asfbr-2054	61	1	the	the	DET
asfbr-2054	61	2	inappropriate	inappropriate	ADJ
asfbr-2054	61	3	regulation	regulation	NOUN
asfbr-2054	61	4	stands	stand	VERB
asfbr-2054	61	5	for	for	ADP
asfbr-2054	61	6	constraints	constraint	NOUN
asfbr-2054	61	7	for	for	ADP
asfbr-2054	61	8	the	the	DET
asfbr-2054	61	9	development	development	NOUN
asfbr-2054	61	10	of	of	ADP
asfbr-2054	61	11	mbanking	mbanking	NOUN
asfbr-2054	61	12	in	in	ADP
asfbr-2054	61	13	any	any	DET
asfbr-2054	61	14	context	context	NOUN
asfbr-2054	61	15	(	(	PUNCT
asfbr-2054	61	16	porteous	porteous	ADJ
asfbr-2054	61	17	,	,	PUNCT
asfbr-2054	61	18	2009	2009	NUM
asfbr-2054	61	19	)	)	PUNCT
asfbr-2054	61	20	.	.	PUNCT
asfbr-2054	62	1	other	other	ADJ
asfbr-2054	62	2	evidence	evidence	NOUN
asfbr-2054	62	3	from	from	ADP
asfbr-2054	62	4	studies	study	NOUN
asfbr-2054	62	5	report	report	VERB
asfbr-2054	62	6	that	that	SCONJ
asfbr-2054	62	7	strict	strict	ADJ
asfbr-2054	62	8	identification	identification	NOUN
asfbr-2054	62	9	requirements	requirement	NOUN
asfbr-2054	62	10	for	for	ADP
asfbr-2054	62	11	opening	open	VERB
asfbr-2054	62	12	new	new	ADJ
asfbr-2054	62	13	mobile	mobile	ADJ
asfbr-2054	62	14	bank	bank	PROPN
asfbr-2054	62	15	account	account	NOUN
asfbr-2054	62	16	led	lead	VERB
asfbr-2054	62	17	to	to	ADP
asfbr-2054	62	18	the	the	DET
asfbr-2054	62	19	exclusion	exclusion	NOUN
asfbr-2054	62	20	of	of	ADP
asfbr-2054	62	21	financially	financially	ADV
asfbr-2054	62	22	excluded	exclude	VERB
asfbr-2054	62	23	individuals	individual	NOUN
asfbr-2054	62	24	from	from	ADP
asfbr-2054	62	25	the	the	DET
asfbr-2054	62	26	market	market	NOUN
asfbr-2054	62	27	,	,	PUNCT
asfbr-2054	62	28	such	such	ADJ
asfbr-2054	62	29	as	as	ADP
asfbr-2054	62	30	lowincome	lowincome	NOUN
asfbr-2054	62	31	or	or	CCONJ
asfbr-2054	62	32	migrant	migrant	ADJ
asfbr-2054	62	33	workers	worker	NOUN
asfbr-2054	62	34	,	,	PUNCT
asfbr-2054	62	35	and	and	CCONJ
asfbr-2054	62	36	impeded	impede	VERB
asfbr-2054	62	37	the	the	DET
asfbr-2054	62	38	expansion	expansion	NOUN
asfbr-2054	62	39	of	of	ADP
asfbr-2054	62	40	mobile	mobile	ADJ
asfbr-2054	62	41	banking	banking	NOUN
asfbr-2054	62	42	services	service	NOUN
asfbr-2054	62	43	in	in	ADP
asfbr-2054	62	44	several	several	ADJ
asfbr-2054	62	45	countries	country	NOUN
asfbr-2054	62	46	like	like	ADP
asfbr-2054	62	47	african	african	ADJ
asfbr-2054	62	48	countries	country	NOUN
asfbr-2054	62	49	,	,	PUNCT
asfbr-2054	62	50	including	include	VERB
asfbr-2054	62	51	south	south	PROPN
asfbr-2054	62	52	africa	africa	PROPN
asfbr-2054	62	53	as	as	ADV
asfbr-2054	62	54	well	well	ADV
asfbr-2054	62	55	as	as	ADP
asfbr-2054	62	56	in	in	ADP
asfbr-2054	62	57	indonesia	indonesia	PROPN
asfbr-2054	62	58	and	and	CCONJ
asfbr-2054	62	59	the	the	DET
asfbr-2054	62	60	philippines	philippine	NOUN
asfbr-2054	62	61	,	,	PUNCT
asfbr-2054	62	62	(	(	PUNCT
asfbr-2054	62	63	makulilo	makulilo	NOUN
asfbr-2054	62	64	,	,	PUNCT
asfbr-2054	62	65	2015	2015	NUM
asfbr-2054	62	66	;	;	PUNCT
asfbr-2054	62	67	stapleton	stapleton	NOUN
asfbr-2054	62	68	,	,	PUNCT
asfbr-2054	62	69	2013	2013	NUM
asfbr-2054	62	70	,	,	PUNCT
asfbr-2054	62	71	prochaska	prochaska	NOUN
asfbr-2054	62	72	,	,	PUNCT
asfbr-2054	62	73	&	&	CCONJ
asfbr-2054	62	74	brix	brix	NOUN
asfbr-2054	62	75	,	,	PUNCT
asfbr-2054	62	76	2008	2008	NUM
asfbr-2054	62	77	,	,	PUNCT
asfbr-2054	62	78	anarfo	anarfo	NOUN
asfbr-2054	62	79	,	,	PUNCT
asfbr-2054	62	80	2020	2020	NUM
asfbr-2054	62	81	)	)	PUNCT
asfbr-2054	62	82	.	.	PUNCT
asfbr-2054	63	1	the	the	DET
asfbr-2054	63	2	lack	lack	NOUN
asfbr-2054	63	3	of	of	ADP
asfbr-2054	63	4	coordination	coordination	NOUN
asfbr-2054	63	5	among	among	ADP
asfbr-2054	63	6	multiple	multiple	ADJ
asfbr-2054	63	7	stakeholders	stakeholder	NOUN
asfbr-2054	63	8	of	of	ADP
asfbr-2054	63	9	mbs	mb	NOUN
asfbr-2054	63	10	and	and	CCONJ
asfbr-2054	63	11	regulators	regulator	NOUN
asfbr-2054	63	12	has	have	AUX
asfbr-2054	63	13	created	create	VERB
asfbr-2054	63	14	one	one	NUM
asfbr-2054	63	15	of	of	ADP
asfbr-2054	63	16	the	the	DET
asfbr-2054	63	17	biggest	big	ADJ
asfbr-2054	63	18	barriers	barrier	NOUN
asfbr-2054	63	19	to	to	ADP
asfbr-2054	63	20	the	the	DET
asfbr-2054	63	21	progress	progress	NOUN
asfbr-2054	63	22	of	of	ADP
asfbr-2054	63	23	mobile	mobile	ADJ
asfbr-2054	63	24	banking	banking	NOUN
asfbr-2054	63	25	(	(	PUNCT
asfbr-2054	63	26	porteous	porteous	NOUN
asfbr-2054	63	27	,	,	PUNCT
asfbr-2054	63	28	2009	2009	NUM
asfbr-2054	63	29	)	)	PUNCT
asfbr-2054	63	30	.	.	PUNCT
asfbr-2054	64	1	porteous	porteous	PROPN
asfbr-2054	64	2	mentioned	mention	VERB
asfbr-2054	64	3	that	that	SCONJ
asfbr-2054	64	4	a	a	DET
asfbr-2054	64	5	standard	standard	NOUN
asfbr-2054	64	6	-	-	PUNCT
asfbr-2054	64	7	enabling	enable	VERB
asfbr-2054	64	8	legal	legal	ADJ
asfbr-2054	64	9	and	and	CCONJ
asfbr-2054	64	10	regulatory	regulatory	ADJ
asfbr-2054	64	11	environment	environment	NOUN
asfbr-2054	64	12	is	be	AUX
asfbr-2054	64	13	one	one	NUM
asfbr-2054	64	14	where	where	SCONJ
asfbr-2054	64	15	there	there	PRON
asfbr-2054	64	16	is	be	VERB
asfbr-2054	64	17	a	a	DET
asfbr-2054	64	18	high	high	ADJ
asfbr-2054	64	19	degree	degree	NOUN
asfbr-2054	64	20	of	of	ADP
asfbr-2054	64	21	openness	openness	NOUN
asfbr-2054	64	22	and	and	CCONJ
asfbr-2054	64	23	certainty	certainty	NOUN
asfbr-2054	64	24	.	.	PUNCT
asfbr-2054	65	1	porteous	porteous	NOUN
asfbr-2054	65	2	has	have	AUX
asfbr-2054	65	3	developed	develop	VERB
asfbr-2054	65	4	a	a	DET
asfbr-2054	65	5	mobile	mobile	ADJ
asfbr-2054	65	6	banking	banking	NOUN
asfbr-2054	65	7	regulatory	regulatory	ADJ
asfbr-2054	65	8	index	index	NOUN
asfbr-2054	65	9	of	of	ADP
asfbr-2054	65	10	35	35	NUM
asfbr-2054	65	11	countries	country	NOUN
asfbr-2054	65	12	,	,	PUNCT
asfbr-2054	65	13	and	and	CCONJ
asfbr-2054	65	14	bangladesh	bangladesh	NOUN
asfbr-2054	65	15	has	have	AUX
asfbr-2054	65	16	taken	take	VERB
asfbr-2054	65	17	the	the	DET
asfbr-2054	65	18	32nd	32nd	ADJ
asfbr-2054	65	19	position	position	NOUN
asfbr-2054	65	20	among	among	ADP
asfbr-2054	65	21	the	the	DET
asfbr-2054	65	22	35	35	NUM
asfbr-2054	65	23	countries	country	NOUN
asfbr-2054	65	24	;	;	PUNCT
asfbr-2054	65	25	bangladesh	bangladesh	NOUN
asfbr-2054	65	26	has	have	VERB
asfbr-2054	65	27	a	a	DET
asfbr-2054	65	28	low	low	ADJ
asfbr-2054	65	29	-	-	PUNCT
asfbr-2054	65	30	level	level	NOUN
asfbr-2054	65	31	degree	degree	NOUN
asfbr-2054	65	32	of	of	ADP
asfbr-2054	65	33	openness	openness	NOUN
asfbr-2054	65	34	and	and	CCONJ
asfbr-2054	65	35	certainty	certainty	NOUN
asfbr-2054	65	36	in	in	ADP
asfbr-2054	65	37	the	the	DET
asfbr-2054	65	38	regulatory	regulatory	ADJ
asfbr-2054	65	39	environment	environment	NOUN
asfbr-2054	65	40	(	(	PUNCT
asfbr-2054	65	41	porteous	porteous	NOUN
asfbr-2054	65	42	,	,	PUNCT
asfbr-2054	65	43	2006	2006	NUM
asfbr-2054	65	44	)	)	PUNCT
asfbr-2054	65	45	.	.	PUNCT
asfbr-2054	66	1	the	the	DET
asfbr-2054	66	2	gsma	gsma	NOUN
asfbr-2054	66	3	also	also	ADV
asfbr-2054	66	4	has	have	AUX
asfbr-2054	66	5	introduced	introduce	VERB
asfbr-2054	66	6	another	another	DET
asfbr-2054	66	7	mobile	mobile	ADJ
asfbr-2054	66	8	money	money	NOUN
asfbr-2054	66	9	regulatory	regulatory	ADJ
asfbr-2054	66	10	index	index	NOUN
asfbr-2054	66	11	by	by	ADP
asfbr-2054	66	12	reviewing	review	VERB
asfbr-2054	66	13	more	more	ADJ
asfbr-2054	66	14	than	than	ADP
asfbr-2054	66	15	80	80	NUM
asfbr-2054	66	16	countries	country	NOUN
asfbr-2054	66	17	prevailing	prevail	VERB
asfbr-2054	66	18	mobile	mobile	ADJ
asfbr-2054	66	19	banking	banking	NOUN
asfbr-2054	66	20	regulations	regulation	NOUN
asfbr-2054	66	21	,	,	PUNCT
asfbr-2054	66	22	based	base	VERB
asfbr-2054	66	23	on	on	ADP
asfbr-2054	66	24	six	six	NUM
asfbr-2054	66	25	broad	broad	ADJ
asfbr-2054	66	26	enabling	enable	VERB
asfbr-2054	66	27	dimensions	dimension	NOUN
asfbr-2054	66	28	of	of	ADP
asfbr-2054	66	29	mobile	mobile	ADJ
asfbr-2054	66	30	banking	banking	NOUN
asfbr-2054	66	31	regulations	regulation	NOUN
asfbr-2054	66	32	like	like	ADP
asfbr-2054	66	33	authorization	authorization	NOUN
asfbr-2054	66	34	,	,	PUNCT
asfbr-2054	66	35	consumer	consumer	NOUN
asfbr-2054	66	36	protection	protection	NOUN
asfbr-2054	66	37	,	,	PUNCT
asfbr-2054	66	38	transaction	transaction	NOUN
asfbr-2054	66	39	limits	limit	NOUN
asfbr-2054	66	40	,	,	PUNCT
asfbr-2054	66	41	kyc	kyc	PROPN
asfbr-2054	66	42	,	,	PUNCT
asfbr-2054	66	43	agent	agent	NOUN
asfbr-2054	66	44	network	network	NOUN
asfbr-2054	66	45	and	and	CCONJ
asfbr-2054	66	46	infrastructure	infrastructure	NOUN
asfbr-2054	66	47	,	,	PUNCT
asfbr-2054	66	48	and	and	CCONJ
asfbr-2054	66	49	investment	investment	NOUN
asfbr-2054	66	50	environment	environment	NOUN
asfbr-2054	66	51	.	.	PUNCT
asfbr-2054	67	1	bangladesh	bangladesh	PROPN
asfbr-2054	67	2	's	's	PART
asfbr-2054	67	3	mobile	mobile	ADJ
asfbr-2054	67	4	banking	banking	NOUN
asfbr-2054	67	5	regulatory	regulatory	ADJ
asfbr-2054	67	6	index	index	NOUN
asfbr-2054	67	7	score	score	NOUN
asfbr-2054	67	8	stood	stand	VERB
asfbr-2054	67	9	at	at	ADP
asfbr-2054	67	10	70.70	70.70	NUM
asfbr-2054	67	11	,	,	PUNCT
asfbr-2054	67	12	which	which	PRON
asfbr-2054	67	13	is	be	AUX
asfbr-2054	67	14	relatively	relatively	ADV
asfbr-2054	67	15	lower	low	ADJ
asfbr-2054	67	16	than	than	ADP
asfbr-2054	67	17	many	many	ADJ
asfbr-2054	67	18	other	other	ADJ
asfbr-2054	67	19	countries	country	NOUN
asfbr-2054	67	20	.	.	PUNCT
asfbr-2054	68	1	even	even	ADV
asfbr-2054	68	2	among	among	ADP
asfbr-2054	68	3	eight	eight	NUM
asfbr-2054	68	4	south	south	ADJ
asfbr-2054	68	5	asian	asian	ADJ
asfbr-2054	68	6	countries	country	NOUN
asfbr-2054	68	7	,	,	PUNCT
asfbr-2054	68	8	bangladesh	bangladesh	NOUN
asfbr-2054	68	9	has	have	AUX
asfbr-2054	68	10	ranked	rank	VERB
asfbr-2054	68	11	seventh	seventh	ADJ
asfbr-2054	68	12	on	on	ADP
asfbr-2054	68	13	the	the	DET
asfbr-2054	68	14	index	index	NOUN
asfbr-2054	68	15	score	score	NOUN
asfbr-2054	68	16	(	(	PUNCT
asfbr-2054	68	17	bahia	bahia	X
asfbr-2054	68	18	et	et	NOUN
asfbr-2054	68	19	al	al	PROPN
asfbr-2054	68	20	.	.	PROPN
asfbr-2054	68	21	,	,	PUNCT
asfbr-2054	68	22	2022	2022	NUM
asfbr-2054	68	23	)	)	PUNCT
asfbr-2054	68	24	.	.	PUNCT
asfbr-2054	69	1	since	since	SCONJ
asfbr-2054	69	2	some	some	DET
asfbr-2054	69	3	social	social	ADJ
asfbr-2054	69	4	groups	group	NOUN
asfbr-2054	69	5	could	could	AUX
asfbr-2054	69	6	not	not	PART
asfbr-2054	69	7	keep	keep	VERB
asfbr-2054	69	8	up	up	ADP
asfbr-2054	69	9	with	with	ADP
asfbr-2054	69	10	the	the	DET
asfbr-2054	69	11	pace	pace	NOUN
asfbr-2054	69	12	of	of	ADP
asfbr-2054	69	13	fintech	fintech	NOUN
asfbr-2054	69	14	,	,	PUNCT
asfbr-2054	69	15	introducing	introduce	VERB
asfbr-2054	69	16	new	new	ADJ
asfbr-2054	69	17	technology	technology	NOUN
asfbr-2054	69	18	-	-	PUNCT
asfbr-2054	69	19	based	base	VERB
asfbr-2054	69	20	financial	financial	ADJ
asfbr-2054	69	21	inclusion	inclusion	NOUN
asfbr-2054	69	22	policies	policy	NOUN
asfbr-2054	69	23	could	could	AUX
asfbr-2054	69	24	not	not	PART
asfbr-2054	69	25	alleviate	alleviate	VERB
asfbr-2054	69	26	financial	financial	ADJ
asfbr-2054	69	27	exclusion	exclusion	NOUN
asfbr-2054	69	28	.	.	PUNCT
asfbr-2054	70	1	the	the	DET
asfbr-2054	70	2	"	"	PUNCT
asfbr-2054	70	3	more	more	ADJ
asfbr-2054	70	4	technology	technology	NOUN
asfbr-2054	70	5	,	,	PUNCT
asfbr-2054	70	6	more	more	ADJ
asfbr-2054	70	7	financial	financial	ADJ
asfbr-2054	70	8	inclusion	inclusion	NOUN
asfbr-2054	70	9	"	"	PUNCT
asfbr-2054	70	10	strategy	strategy	NOUN
asfbr-2054	70	11	has	have	AUX
asfbr-2054	70	12	not	not	PART
asfbr-2054	70	13	always	always	ADV
asfbr-2054	70	14	worked	work	VERB
asfbr-2054	70	15	well	well	ADV
asfbr-2054	70	16	,	,	PUNCT
asfbr-2054	70	17	so	so	ADV
asfbr-2054	70	18	financial	financial	ADJ
asfbr-2054	70	19	inclusion	inclusion	NOUN
asfbr-2054	70	20	policies	policy	NOUN
asfbr-2054	70	21	must	must	AUX
asfbr-2054	70	22	be	be	AUX
asfbr-2054	70	23	changed	change	VERB
asfbr-2054	70	24	to	to	PART
asfbr-2054	70	25	incorporate	incorporate	VERB
asfbr-2054	70	26	the	the	DET
asfbr-2054	70	27	ideas	idea	NOUN
asfbr-2054	70	28	of	of	ADP
asfbr-2054	70	29	digital	digital	ADJ
asfbr-2054	70	30	literacy	literacy	NOUN
asfbr-2054	70	31	and	and	CCONJ
asfbr-2054	70	32	access	access	NOUN
asfbr-2054	70	33	to	to	ADP
asfbr-2054	70	34	mobile	mobile	ADJ
asfbr-2054	70	35	financial	financial	ADJ
asfbr-2054	70	36	services	service	NOUN
asfbr-2054	70	37	as	as	ADV
asfbr-2054	70	38	well	well	ADV
asfbr-2054	70	39	(	(	PUNCT
asfbr-2054	70	40	dostov	dostov	ADV
asfbr-2054	70	41	et	et	PROPN
asfbr-2054	70	42	al	al	PROPN
asfbr-2054	70	43	.	.	PROPN
asfbr-2054	70	44	,	,	PUNCT
asfbr-2054	70	45	2019	2019	NUM
asfbr-2054	70	46	)	)	PUNCT
asfbr-2054	70	47	.	.	PUNCT
asfbr-2054	71	1	kabir	kabir	PROPN
asfbr-2054	71	2	&	&	CCONJ
asfbr-2054	71	3	hossain	hossain	PROPN
asfbr-2054	71	4	,	,	PUNCT
asfbr-2054	71	5	asian	asian	ADJ
asfbr-2054	71	6	finance	finance	PROPN
asfbr-2054	71	7	&	&	CCONJ
asfbr-2054	71	8	banking	banking	PROPN
asfbr-2054	71	9	review	review	NOUN
asfbr-2054	71	10	7(1	7(1	NUM
asfbr-2054	71	11	)	)	PUNCT
asfbr-2054	71	12	(	(	PUNCT
asfbr-2054	71	13	2023	2023	NUM
asfbr-2054	71	14	)	)	PUNCT
asfbr-2054	71	15	,	,	PUNCT
asfbr-2054	71	16	10	10	NUM
asfbr-2054	71	17	-	-	SYM
asfbr-2054	71	18	16	16	NUM
asfbr-2054	71	19	12	12	NUM
asfbr-2054	71	20	materials	material	NOUN
asfbr-2054	71	21	and	and	CCONJ
asfbr-2054	71	22	methods	method	NOUN
asfbr-2054	71	23	population	population	NOUN
asfbr-2054	71	24	the	the	DET
asfbr-2054	71	25	populations	population	NOUN
asfbr-2054	71	26	in	in	ADP
asfbr-2054	71	27	this	this	DET
asfbr-2054	71	28	study	study	NOUN
asfbr-2054	71	29	are	be	AUX
asfbr-2054	71	30	all	all	ADV
asfbr-2054	71	31	active	active	ADJ
asfbr-2054	71	32	users	user	NOUN
asfbr-2054	71	33	of	of	ADP
asfbr-2054	71	34	mobile	mobile	ADJ
asfbr-2054	71	35	banking	banking	NOUN
asfbr-2054	71	36	services	service	NOUN
asfbr-2054	71	37	scattered	scatter	VERB
asfbr-2054	71	38	all	all	ADV
asfbr-2054	71	39	over	over	ADP
asfbr-2054	71	40	the	the	DET
asfbr-2054	71	41	country	country	NOUN
asfbr-2054	71	42	.	.	PUNCT
asfbr-2054	72	1	according	accord	VERB
asfbr-2054	72	2	to	to	ADP
asfbr-2054	72	3	the	the	DET
asfbr-2054	72	4	bangladesh	bangladesh	PROPN
asfbr-2054	72	5	bank	bank	PROPN
asfbr-2054	72	6	payment	payment	PROPN
asfbr-2054	72	7	department	department	NOUN
asfbr-2054	72	8	,	,	PUNCT
asfbr-2054	72	9	there	there	PRON
asfbr-2054	72	10	are	be	VERB
asfbr-2054	72	11	5,737,400,000	5,737,400,000	NUM
asfbr-2054	72	12	mobile	mobile	ADJ
asfbr-2054	72	13	banking	banking	NOUN
asfbr-2054	72	14	service	service	NOUN
asfbr-2054	72	15	active	active	ADJ
asfbr-2054	72	16	users	user	NOUN
asfbr-2054	72	17	(	(	PUNCT
asfbr-2054	72	18	bangladesh	bangladesh	PROPN
asfbr-2054	72	19	bank	bank	NOUN
asfbr-2054	72	20	2022	2022	NUM
asfbr-2054	72	21	)	)	PUNCT
asfbr-2054	72	22	.	.	PUNCT
asfbr-2054	73	1	sample	sample	NOUN
asfbr-2054	73	2	area	area	NOUN
asfbr-2054	73	3	selection	selection	NOUN
asfbr-2054	73	4	a	a	DET
asfbr-2054	73	5	multi	multi	ADJ
asfbr-2054	73	6	-	-	ADJ
asfbr-2054	73	7	stage	stage	ADJ
asfbr-2054	73	8	random	random	ADJ
asfbr-2054	73	9	sampling	sampling	NOUN
asfbr-2054	73	10	method	method	NOUN
asfbr-2054	73	11	has	have	AUX
asfbr-2054	73	12	been	be	AUX
asfbr-2054	73	13	incorporated	incorporate	VERB
asfbr-2054	73	14	into	into	ADP
asfbr-2054	73	15	this	this	DET
asfbr-2054	73	16	study	study	NOUN
asfbr-2054	73	17	for	for	ADP
asfbr-2054	73	18	selecting	select	VERB
asfbr-2054	73	19	the	the	DET
asfbr-2054	73	20	sample	sample	NOUN
asfbr-2054	73	21	area	area	NOUN
asfbr-2054	73	22	.	.	PUNCT
asfbr-2054	74	1	four	four	NUM
asfbr-2054	74	2	districts	district	NOUN
asfbr-2054	74	3	(	(	PUNCT
asfbr-2054	74	4	dhaka	dhaka	PROPN
asfbr-2054	74	5	,	,	PUNCT
asfbr-2054	74	6	sylhet	sylhet	NOUN
asfbr-2054	74	7	,	,	PUNCT
asfbr-2054	74	8	kurigram	kurigram	NOUN
asfbr-2054	74	9	,	,	PUNCT
asfbr-2054	74	10	and	and	CCONJ
asfbr-2054	74	11	pirojpur	pirojpur	VERB
asfbr-2054	74	12	)	)	PUNCT
asfbr-2054	74	13	from	from	ADP
asfbr-2054	74	14	four	four	NUM
asfbr-2054	74	15	greater	great	ADJ
asfbr-2054	74	16	divisions	division	NOUN
asfbr-2054	74	17	(	(	PUNCT
asfbr-2054	74	18	dhaka	dhaka	PROPN
asfbr-2054	74	19	,	,	PUNCT
asfbr-2054	74	20	chittagong	chittagong	PROPN
asfbr-2054	74	21	,	,	PUNCT
asfbr-2054	74	22	rajshahi	rajshahi	NOUN
asfbr-2054	74	23	,	,	PUNCT
asfbr-2054	74	24	and	and	CCONJ
asfbr-2054	74	25	khulna	khulna	PROPN
asfbr-2054	74	26	)	)	PUNCT
asfbr-2054	74	27	have	have	AUX
asfbr-2054	74	28	been	be	AUX
asfbr-2054	74	29	randomly	randomly	ADV
asfbr-2054	74	30	selected	select	VERB
asfbr-2054	74	31	.	.	PUNCT
asfbr-2054	75	1	then	then	ADV
asfbr-2054	75	2	,	,	PUNCT
asfbr-2054	75	3	at	at	ADP
asfbr-2054	75	4	randomly	randomly	ADV
asfbr-2054	75	5	four	four	NUM
asfbr-2054	75	6	upazilas	upazila	NOUN
asfbr-2054	75	7	(	(	PUNCT
asfbr-2054	75	8	keranigonj	keranigonj	PROPN
asfbr-2054	75	9	,	,	PUNCT
asfbr-2054	75	10	south	south	NOUN
asfbr-2054	75	11	surma	surma	NOUN
asfbr-2054	75	12	,	,	PUNCT
asfbr-2054	75	13	ulipur	ulipur	NOUN
asfbr-2054	75	14	,	,	PUNCT
asfbr-2054	75	15	and	and	CCONJ
asfbr-2054	75	16	nojirpur	nojirpur	NOUN
asfbr-2054	75	17	)	)	PUNCT
asfbr-2054	75	18	from	from	ADP
asfbr-2054	75	19	four	four	NUM
asfbr-2054	75	20	districts	district	NOUN
asfbr-2054	75	21	and	and	CCONJ
asfbr-2054	75	22	randomly	randomly	ADV
asfbr-2054	75	23	four	four	NUM
asfbr-2054	75	24	unions	union	NOUN
asfbr-2054	75	25	(	(	PUNCT
asfbr-2054	75	26	rohiatpur	rohiatpur	PROPN
asfbr-2054	75	27	,	,	PUNCT
asfbr-2054	75	28	borakandhi	borakandhi	NOUN
asfbr-2054	75	29	,	,	PUNCT
asfbr-2054	75	30	durghapur	durghapur	NOUN
asfbr-2054	75	31	,	,	PUNCT
asfbr-2054	75	32	and	and	CCONJ
asfbr-2054	75	33	mativhanga	mativhanga	NOUN
asfbr-2054	75	34	)	)	PUNCT
asfbr-2054	75	35	from	from	ADP
asfbr-2054	75	36	four	four	NUM
asfbr-2054	75	37	upazilas	upazila	NOUN
asfbr-2054	75	38	were	be	AUX
asfbr-2054	75	39	selected	select	VERB
asfbr-2054	75	40	.	.	PUNCT
asfbr-2054	76	1	sample	sample	NOUN
asfbr-2054	76	2	unit	unit	NOUN
asfbr-2054	76	3	selection	selection	NOUN
asfbr-2054	76	4	the	the	DET
asfbr-2054	76	5	respondents	respondent	NOUN
asfbr-2054	76	6	were	be	AUX
asfbr-2054	76	7	first	first	ADV
asfbr-2054	76	8	divided	divide	VERB
asfbr-2054	76	9	according	accord	VERB
asfbr-2054	76	10	to	to	ADP
asfbr-2054	76	11	the	the	DET
asfbr-2054	76	12	homogeneity	homogeneity	NOUN
asfbr-2054	76	13	of	of	ADP
asfbr-2054	76	14	each	each	DET
asfbr-2054	76	15	occupation	occupation	NOUN
asfbr-2054	76	16	:	:	PUNCT
asfbr-2054	76	17	small	small	ADJ
asfbr-2054	76	18	business	business	NOUN
asfbr-2054	76	19	owners	owner	NOUN
asfbr-2054	76	20	,	,	PUNCT
asfbr-2054	76	21	marginal	marginal	ADJ
asfbr-2054	76	22	farmers	farmer	NOUN
asfbr-2054	76	23	,	,	PUNCT
asfbr-2054	76	24	garment	garment	NOUN
asfbr-2054	76	25	workers	worker	NOUN
asfbr-2054	76	26	,	,	PUNCT
asfbr-2054	76	27	domestic	domestic	ADJ
asfbr-2054	76	28	workers	worker	NOUN
asfbr-2054	76	29	,	,	PUNCT
asfbr-2054	76	30	tea	tea	NOUN
asfbr-2054	76	31	labourers	labourer	NOUN
asfbr-2054	76	32	,	,	PUNCT
asfbr-2054	76	33	homemakers	homemaker	NOUN
asfbr-2054	76	34	,	,	PUNCT
asfbr-2054	76	35	and	and	CCONJ
asfbr-2054	76	36	students	student	NOUN
asfbr-2054	76	37	.	.	PUNCT
asfbr-2054	77	1	the	the	DET
asfbr-2054	77	2	ultimate	ultimate	ADJ
asfbr-2054	77	3	individual	individual	ADJ
asfbr-2054	77	4	respondent	respondent	NOUN
asfbr-2054	77	5	has	have	AUX
asfbr-2054	77	6	been	be	AUX
asfbr-2054	77	7	selected	select	VERB
asfbr-2054	77	8	based	base	VERB
asfbr-2054	77	9	on	on	ADP
asfbr-2054	77	10	a	a	DET
asfbr-2054	77	11	systematic	systematic	ADJ
asfbr-2054	77	12	random	random	ADJ
asfbr-2054	77	13	sampling	sampling	NOUN
asfbr-2054	77	14	method	method	NOUN
asfbr-2054	77	15	.	.	PUNCT
asfbr-2054	78	1	additionally	additionally	ADV
asfbr-2054	78	2	,	,	PUNCT
asfbr-2054	78	3	twenty	twenty	NUM
asfbr-2054	78	4	-	-	PUNCT
asfbr-2054	78	5	three	three	NUM
asfbr-2054	78	6	key	key	ADJ
asfbr-2054	78	7	informant	informant	NOUN
asfbr-2054	78	8	interviews	interview	NOUN
asfbr-2054	78	9	(	(	PUNCT
asfbr-2054	78	10	kii	kii	PROPN
asfbr-2054	78	11	)	)	PUNCT
asfbr-2054	78	12	have	have	AUX
asfbr-2054	78	13	been	be	AUX
asfbr-2054	78	14	undertaken	undertake	VERB
asfbr-2054	78	15	by	by	ADP
asfbr-2054	78	16	judgment	judgment	NOUN
asfbr-2054	78	17	sampling	sampling	NOUN
asfbr-2054	78	18	.	.	PUNCT
asfbr-2054	79	1	sample	sample	NOUN
asfbr-2054	79	2	size	size	NOUN
asfbr-2054	79	3	the	the	DET
asfbr-2054	79	4	sample	sample	NOUN
asfbr-2054	79	5	size	size	NOUN
asfbr-2054	79	6	for	for	ADP
asfbr-2054	79	7	over	over	ADP
asfbr-2054	79	8	a	a	DET
asfbr-2054	79	9	million	million	NUM
asfbr-2054	79	10	individuals	individual	NOUN
asfbr-2054	79	11	should	should	AUX
asfbr-2054	79	12	be	be	AUX
asfbr-2054	79	13	at	at	ADV
asfbr-2054	79	14	least	least	ADV
asfbr-2054	79	15	384	384	NUM
asfbr-2054	79	16	with	with	ADP
asfbr-2054	79	17	a	a	DET
asfbr-2054	79	18	5	5	NUM
asfbr-2054	79	19	%	%	NOUN
asfbr-2054	79	20	margin	margin	NOUN
asfbr-2054	79	21	of	of	ADP
asfbr-2054	79	22	error	error	NOUN
asfbr-2054	79	23	(	(	PUNCT
asfbr-2054	79	24	saunders	saunder	NOUN
asfbr-2054	79	25	et	et	PROPN
asfbr-2054	79	26	al	al	PROPN
asfbr-2054	79	27	.	.	PROPN
asfbr-2054	79	28	,	,	PUNCT
asfbr-2054	79	29	2009	2009	NUM
asfbr-2054	79	30	)	)	PUNCT
asfbr-2054	79	31	.	.	PUNCT
asfbr-2054	80	1	moreover	moreover	ADV
asfbr-2054	80	2	,	,	PUNCT
asfbr-2054	80	3	the	the	DET
asfbr-2054	80	4	sample	sample	NOUN
asfbr-2054	80	5	size	size	NOUN
asfbr-2054	80	6	should	should	AUX
asfbr-2054	80	7	be	be	AUX
asfbr-2054	80	8	at	at	ADV
asfbr-2054	80	9	least	least	ADV
asfbr-2054	80	10	300	300	NUM
asfbr-2054	80	11	,	,	PUNCT
asfbr-2054	80	12	with	with	ADP
asfbr-2054	80	13	500	500	NUM
asfbr-2054	80	14	being	be	AUX
asfbr-2054	80	15	very	very	ADV
asfbr-2054	80	16	good	good	ADJ
asfbr-2054	80	17	and	and	CCONJ
asfbr-2054	80	18	1000	1000	NUM
asfbr-2054	80	19	being	be	AUX
asfbr-2054	80	20	great	great	ADJ
asfbr-2054	80	21	(	(	PUNCT
asfbr-2054	80	22	tabachnick	tabachnick	NOUN
asfbr-2054	80	23	&	&	CCONJ
asfbr-2054	80	24	fidell	fidell	PROPN
asfbr-2054	80	25	,	,	PUNCT
asfbr-2054	80	26	2007	2007	NUM
asfbr-2054	80	27	)	)	PUNCT
asfbr-2054	80	28	.	.	PUNCT
asfbr-2054	81	1	the	the	DET
asfbr-2054	81	2	participants	participant	NOUN
asfbr-2054	81	3	in	in	ADP
asfbr-2054	81	4	this	this	DET
asfbr-2054	81	5	study	study	NOUN
asfbr-2054	81	6	were	be	AUX
asfbr-2054	81	7	mobile	mobile	ADJ
asfbr-2054	81	8	banking	banking	NOUN
asfbr-2054	81	9	account	account	NOUN
asfbr-2054	81	10	holders	holder	NOUN
asfbr-2054	81	11	who	who	PRON
asfbr-2054	81	12	use	use	VERB
asfbr-2054	81	13	mobile	mobile	ADJ
asfbr-2054	81	14	banking	banking	NOUN
asfbr-2054	81	15	services	service	NOUN
asfbr-2054	81	16	.	.	PUNCT
asfbr-2054	82	1	the	the	DET
asfbr-2054	82	2	researcher	researcher	NOUN
asfbr-2054	82	3	targeted	target	VERB
asfbr-2054	82	4	a	a	DET
asfbr-2054	82	5	sample	sample	NOUN
asfbr-2054	82	6	size	size	NOUN
asfbr-2054	82	7	of	of	ADP
asfbr-2054	82	8	384	384	NUM
asfbr-2054	82	9	to	to	PART
asfbr-2054	82	10	450	450	NUM
asfbr-2054	82	11	participants	participant	NOUN
asfbr-2054	82	12	for	for	ADP
asfbr-2054	82	13	this	this	DET
asfbr-2054	82	14	study	study	NOUN
asfbr-2054	82	15	,	,	PUNCT
asfbr-2054	82	16	and	and	CCONJ
asfbr-2054	82	17	based	base	VERB
asfbr-2054	82	18	on	on	ADP
asfbr-2054	82	19	the	the	DET
asfbr-2054	82	20	explanation	explanation	NOUN
asfbr-2054	82	21	above	above	ADV
asfbr-2054	82	22	,	,	PUNCT
asfbr-2054	82	23	the	the	DET
asfbr-2054	82	24	sample	sample	NOUN
asfbr-2054	82	25	size	size	NOUN
asfbr-2054	82	26	acquired	acquire	VERB
asfbr-2054	82	27	in	in	ADP
asfbr-2054	82	28	the	the	DET
asfbr-2054	82	29	current	current	ADJ
asfbr-2054	82	30	study	study	NOUN
asfbr-2054	82	31	is	be	AUX
asfbr-2054	82	32	400	400	NUM
asfbr-2054	82	33	.	.	PUNCT
asfbr-2054	83	1	data	datum	NOUN
asfbr-2054	83	2	collection	collection	NOUN
asfbr-2054	83	3	tools	tool	NOUN
asfbr-2054	83	4	primary	primary	ADJ
asfbr-2054	83	5	data	datum	NOUN
asfbr-2054	83	6	have	have	AUX
asfbr-2054	83	7	been	be	AUX
asfbr-2054	83	8	used	use	VERB
asfbr-2054	83	9	in	in	ADP
asfbr-2054	83	10	this	this	DET
asfbr-2054	83	11	study	study	NOUN
asfbr-2054	83	12	.	.	PUNCT
asfbr-2054	84	1	a	a	DET
asfbr-2054	84	2	questionnaire	questionnaire	NOUN
asfbr-2054	84	3	survey	survey	NOUN
asfbr-2054	84	4	,	,	PUNCT
asfbr-2054	84	5	key	key	ADJ
asfbr-2054	84	6	informant	informant	NOUN
asfbr-2054	84	7	interview	interview	NOUN
asfbr-2054	84	8	,	,	PUNCT
asfbr-2054	84	9	and	and	CCONJ
asfbr-2054	84	10	document	document	NOUN
asfbr-2054	84	11	review	review	NOUN
asfbr-2054	84	12	have	have	AUX
asfbr-2054	84	13	been	be	AUX
asfbr-2054	84	14	used	use	VERB
asfbr-2054	84	15	in	in	ADP
asfbr-2054	84	16	this	this	DET
asfbr-2054	84	17	study	study	NOUN
asfbr-2054	84	18	.	.	PUNCT
asfbr-2054	85	1	side	side	NOUN
asfbr-2054	85	2	by	by	ADP
asfbr-2054	85	3	side	side	NOUN
asfbr-2054	85	4	,	,	PUNCT
asfbr-2054	85	5	reviewing	review	VERB
asfbr-2054	85	6	many	many	ADJ
asfbr-2054	85	7	mobile	mobile	ADJ
asfbr-2054	85	8	banking	banking	NOUN
asfbr-2054	85	9	public	public	ADJ
asfbr-2054	85	10	and	and	CCONJ
asfbr-2054	85	11	private	private	ADJ
asfbr-2054	85	12	documents	document	NOUN
asfbr-2054	85	13	.	.	PUNCT
asfbr-2054	86	1	data	datum	NOUN
asfbr-2054	86	2	analysis	analysis	NOUN
asfbr-2054	86	3	the	the	DET
asfbr-2054	86	4	data	datum	NOUN
asfbr-2054	86	5	has	have	AUX
asfbr-2054	86	6	been	be	AUX
asfbr-2054	86	7	analyzed	analyze	VERB
asfbr-2054	86	8	using	use	VERB
asfbr-2054	86	9	statistical	statistical	ADJ
asfbr-2054	86	10	package	package	NOUN
asfbr-2054	86	11	for	for	ADP
asfbr-2054	86	12	social	social	ADJ
asfbr-2054	86	13	science	science	NOUN
asfbr-2054	86	14	(	(	PUNCT
asfbr-2054	86	15	spss	spss	PROPN
asfbr-2054	86	16	)	)	PUNCT
asfbr-2054	86	17	version	version	NOUN
asfbr-2054	86	18	22	22	NUM
asfbr-2054	86	19	.	.	PUNCT
asfbr-2054	87	1	descriptive	descriptive	ADJ
asfbr-2054	87	2	analyses	analysis	NOUN
asfbr-2054	87	3	(	(	PUNCT
asfbr-2054	87	4	da	da	NOUN
asfbr-2054	87	5	)	)	PUNCT
asfbr-2054	87	6	have	have	AUX
asfbr-2054	87	7	been	be	AUX
asfbr-2054	87	8	carried	carry	VERB
asfbr-2054	87	9	out	out	ADP
asfbr-2054	87	10	to	to	PART
asfbr-2054	87	11	understand	understand	VERB
asfbr-2054	87	12	better	well	ADJ
asfbr-2054	87	13	the	the	DET
asfbr-2054	87	14	sample	sample	NOUN
asfbr-2054	87	15	overview	overview	NOUN
asfbr-2054	87	16	,	,	PUNCT
asfbr-2054	87	17	the	the	DET
asfbr-2054	87	18	data	datum	NOUN
asfbr-2054	87	19	and	and	CCONJ
asfbr-2054	87	20	its	its	PRON
asfbr-2054	87	21	distribution	distribution	NOUN
asfbr-2054	87	22	,	,	PUNCT
asfbr-2054	87	23	the	the	DET
asfbr-2054	87	24	missing	miss	VERB
asfbr-2054	87	25	variables	variable	NOUN
asfbr-2054	87	26	,	,	PUNCT
asfbr-2054	87	27	and	and	CCONJ
asfbr-2054	87	28	the	the	DET
asfbr-2054	87	29	data	datum	NOUN
asfbr-2054	87	30	outliers	outlier	NOUN
asfbr-2054	87	31	.	.	PUNCT
asfbr-2054	88	1	moreover	moreover	ADV
asfbr-2054	88	2	,	,	PUNCT
asfbr-2054	88	3	statistical	statistical	ADJ
asfbr-2054	88	4	tools	tool	NOUN
asfbr-2054	88	5	like	like	AUX
asfbr-2054	88	6	mean	mean	VERB
asfbr-2054	88	7	,	,	PUNCT
asfbr-2054	88	8	standard	standard	ADJ
asfbr-2054	88	9	deviation	deviation	NOUN
asfbr-2054	88	10	,	,	PUNCT
asfbr-2054	88	11	t	t	NOUN
asfbr-2054	88	12	-	-	PUNCT
asfbr-2054	88	13	test	test	NOUN
asfbr-2054	88	14	,	,	PUNCT
asfbr-2054	88	15	and	and	CCONJ
asfbr-2054	88	16	multiple	multiple	ADJ
asfbr-2054	88	17	linear	linear	ADJ
asfbr-2054	88	18	regression	regression	NOUN
asfbr-2054	88	19	models	model	NOUN
asfbr-2054	88	20	have	have	AUX
asfbr-2054	88	21	been	be	AUX
asfbr-2054	88	22	incorporated	incorporate	VERB
asfbr-2054	88	23	to	to	PART
asfbr-2054	88	24	test	test	VERB
asfbr-2054	88	25	the	the	DET
asfbr-2054	88	26	hypothesis	hypothesis	NOUN
asfbr-2054	88	27	.	.	PUNCT
asfbr-2054	89	1	hypothesis	hypothesis	NOUN
asfbr-2054	89	2	development	development	NOUN
asfbr-2054	89	3	properly	properly	ADV
asfbr-2054	89	4	implementing	implement	VERB
asfbr-2054	89	5	its	its	PRON
asfbr-2054	89	6	policy	policy	NOUN
asfbr-2054	89	7	and	and	CCONJ
asfbr-2054	89	8	regulation	regulation	NOUN
asfbr-2054	89	9	would	would	AUX
asfbr-2054	89	10	make	make	VERB
asfbr-2054	89	11	a	a	DET
asfbr-2054	89	12	favorable	favorable	ADJ
asfbr-2054	89	13	regulatory	regulatory	ADJ
asfbr-2054	89	14	environment	environment	NOUN
asfbr-2054	89	15	for	for	ADP
asfbr-2054	89	16	mobile	mobile	ADJ
asfbr-2054	89	17	banking	banking	NOUN
asfbr-2054	89	18	transactions	transaction	NOUN
asfbr-2054	89	19	.	.	PUNCT
asfbr-2054	90	1	the	the	DET
asfbr-2054	90	2	favorable	favorable	ADJ
asfbr-2054	90	3	regulatory	regulatory	ADJ
asfbr-2054	90	4	environment	environment	NOUN
asfbr-2054	90	5	ensures	ensure	VERB
asfbr-2054	90	6	security	security	NOUN
asfbr-2054	90	7	and	and	CCONJ
asfbr-2054	90	8	increased	increase	VERB
asfbr-2054	90	9	customer	customer	NOUN
asfbr-2054	90	10	trust	trust	NOUN
asfbr-2054	90	11	,	,	PUNCT
asfbr-2054	90	12	influencing	influence	VERB
asfbr-2054	90	13	users	user	NOUN
asfbr-2054	90	14	to	to	PART
asfbr-2054	90	15	adopt	adopt	VERB
asfbr-2054	90	16	mobile	mobile	ADJ
asfbr-2054	90	17	banking	banking	NOUN
asfbr-2054	90	18	transactions	transaction	NOUN
asfbr-2054	90	19	.	.	PUNCT
asfbr-2054	91	1	an	an	DET
asfbr-2054	91	2	empirical	empirical	ADJ
asfbr-2054	91	3	study	study	NOUN
asfbr-2054	91	4	shows	show	VERB
asfbr-2054	91	5	the	the	DET
asfbr-2054	91	6	link	link	NOUN
asfbr-2054	91	7	between	between	ADP
asfbr-2054	91	8	a	a	DET
asfbr-2054	91	9	positive	positive	ADJ
asfbr-2054	91	10	regulatory	regulatory	ADJ
asfbr-2054	91	11	environment	environment	NOUN
asfbr-2054	91	12	and	and	CCONJ
asfbr-2054	91	13	a	a	DET
asfbr-2054	91	14	thriving	thriving	ADJ
asfbr-2054	91	15	mobile	mobile	ADJ
asfbr-2054	91	16	banking	banking	NOUN
asfbr-2054	91	17	industry	industry	NOUN
asfbr-2054	91	18	.	.	PUNCT
asfbr-2054	92	1	the	the	DET
asfbr-2054	92	2	2017	2017	NUM
asfbr-2054	92	3	world	world	PROPN
asfbr-2054	92	4	bank	bank	PROPN
asfbr-2054	92	5	global	global	PROPN
asfbr-2054	92	6	findex	findex	PROPN
asfbr-2054	92	7	survey	survey	NOUN
asfbr-2054	92	8	stated	state	VERB
asfbr-2054	92	9	that	that	SCONJ
asfbr-2054	92	10	a	a	DET
asfbr-2054	92	11	favorable	favorable	ADJ
asfbr-2054	92	12	regulatory	regulatory	ADJ
asfbr-2054	92	13	environment	environment	NOUN
asfbr-2054	92	14	,	,	PUNCT
asfbr-2054	92	15	as	as	SCONJ
asfbr-2054	92	16	assessed	assess	VERB
asfbr-2054	92	17	by	by	ADP
asfbr-2054	92	18	the	the	DET
asfbr-2054	92	19	mmri	mmri	NOUN
asfbr-2054	92	20	,	,	PUNCT
asfbr-2054	92	21	is	be	AUX
asfbr-2054	92	22	strongly	strongly	ADV
asfbr-2054	92	23	associated	associate	VERB
asfbr-2054	92	24	with	with	ADP
asfbr-2054	92	25	higher	high	ADJ
asfbr-2054	92	26	mobile	mobile	ADJ
asfbr-2054	92	27	banking	banking	NOUN
asfbr-2054	92	28	adoption	adoption	NOUN
asfbr-2054	92	29	(	(	PUNCT
asfbr-2054	92	30	kalvin	kalvin	NOUN
asfbr-2054	92	31	et	et	PROPN
asfbr-2054	92	32	al	al	PROPN
asfbr-2054	92	33	.	.	PROPN
asfbr-2054	92	34	,	,	PUNCT
asfbr-2054	92	35	2022	2022	NUM
asfbr-2054	92	36	)	)	PUNCT
asfbr-2054	92	37	.	.	PUNCT
asfbr-2054	93	1	it	it	PRON
asfbr-2054	93	2	has	have	AUX
asfbr-2054	93	3	also	also	ADV
asfbr-2054	93	4	been	be	AUX
asfbr-2054	93	5	found	find	VERB
asfbr-2054	93	6	that	that	SCONJ
asfbr-2054	93	7	mobile	mobile	ADJ
asfbr-2054	93	8	banking	banking	NOUN
asfbr-2054	93	9	regulation	regulation	NOUN
asfbr-2054	93	10	and	and	CCONJ
asfbr-2054	93	11	usage	usage	NOUN
asfbr-2054	93	12	are	be	AUX
asfbr-2054	93	13	highly	highly	ADV
asfbr-2054	93	14	correlated	correlate	VERB
asfbr-2054	93	15	(	(	PUNCT
asfbr-2054	93	16	kalvin	kalvin	NOUN
asfbr-2054	93	17	et	et	PROPN
asfbr-2054	93	18	al	al	PROPN
asfbr-2054	93	19	.	.	PROPN
asfbr-2054	93	20	,	,	PUNCT
asfbr-2054	93	21	2022	2022	NUM
asfbr-2054	93	22	)	)	PUNCT
asfbr-2054	93	23	.	.	PUNCT
asfbr-2054	94	1	the	the	DET
asfbr-2054	94	2	adequate	adequate	ADJ
asfbr-2054	94	3	legal	legal	ADJ
asfbr-2054	94	4	and	and	CCONJ
asfbr-2054	94	5	regulatory	regulatory	ADJ
asfbr-2054	94	6	framework	framework	NOUN
asfbr-2054	94	7	mitigate	mitigate	VERB
asfbr-2054	94	8	the	the	DET
asfbr-2054	94	9	security	security	NOUN
asfbr-2054	94	10	risk	risk	NOUN
asfbr-2054	94	11	of	of	ADP
asfbr-2054	94	12	mobile	mobile	ADJ
asfbr-2054	94	13	banking	banking	NOUN
asfbr-2054	94	14	transactions	transaction	NOUN
asfbr-2054	94	15	(	(	PUNCT
asfbr-2054	94	16	finconet	finconet	NOUN
asfbr-2054	94	17	,	,	PUNCT
asfbr-2054	94	18	2018	2018	NUM
asfbr-2054	94	19	)	)	PUNCT
asfbr-2054	94	20	.	.	PUNCT
asfbr-2054	95	1	ho	ho	PROPN
asfbr-2054	95	2	:	:	PUNCT
asfbr-2054	95	3	there	there	PRON
asfbr-2054	95	4	is	be	VERB
asfbr-2054	95	5	no	no	DET
asfbr-2054	95	6	positive	positive	ADJ
asfbr-2054	95	7	association	association	NOUN
asfbr-2054	95	8	between	between	ADP
asfbr-2054	95	9	mobile	mobile	ADJ
asfbr-2054	95	10	banking	banking	NOUN
asfbr-2054	95	11	regulatory	regulatory	ADJ
asfbr-2054	95	12	policy	policy	NOUN
asfbr-2054	95	13	and	and	CCONJ
asfbr-2054	95	14	enabling	enable	VERB
asfbr-2054	95	15	regulatory	regulatory	ADJ
asfbr-2054	95	16	environment	environment	NOUN
asfbr-2054	95	17	for	for	ADP
asfbr-2054	95	18	mobile	mobile	ADJ
asfbr-2054	95	19	banking	banking	NOUN
asfbr-2054	95	20	transactions	transaction	NOUN
asfbr-2054	95	21	.	.	PUNCT
asfbr-2054	96	1	h1	h1	PROPN
asfbr-2054	96	2	:	:	PUNCT
asfbr-2054	96	3	there	there	PRON
asfbr-2054	96	4	is	be	VERB
asfbr-2054	96	5	a	a	DET
asfbr-2054	96	6	positive	positive	ADJ
asfbr-2054	96	7	association	association	NOUN
asfbr-2054	96	8	between	between	ADP
asfbr-2054	96	9	mobile	mobile	ADJ
asfbr-2054	96	10	banking	banking	NOUN
asfbr-2054	96	11	regulatory	regulatory	ADJ
asfbr-2054	96	12	policy	policy	NOUN
asfbr-2054	96	13	and	and	CCONJ
asfbr-2054	96	14	enabling	enable	VERB
asfbr-2054	96	15	regulatory	regulatory	ADJ
asfbr-2054	96	16	environment	environment	NOUN
asfbr-2054	96	17	for	for	ADP
asfbr-2054	96	18	mobile	mobile	ADJ
asfbr-2054	96	19	banking	banking	NOUN
asfbr-2054	96	20	transactions	transaction	NOUN
asfbr-2054	96	21	.	.	PUNCT
asfbr-2054	97	1	results	result	NOUN
asfbr-2054	97	2	and	and	CCONJ
asfbr-2054	97	3	discussions	discussion	NOUN
asfbr-2054	97	4	respondents	respondent	NOUN
asfbr-2054	97	5	demographic	demographic	ADJ
asfbr-2054	97	6	analysis	analysis	NOUN
asfbr-2054	97	7	appendix	appendix	NOUN
asfbr-2054	97	8	2	2	NUM
asfbr-2054	97	9	contains	contain	VERB
asfbr-2054	97	10	the	the	DET
asfbr-2054	97	11	demographic	demographic	ADJ
asfbr-2054	97	12	data	datum	NOUN
asfbr-2054	97	13	of	of	ADP
asfbr-2054	97	14	the	the	DET
asfbr-2054	97	15	respondents	respondent	NOUN
asfbr-2054	97	16	.	.	PUNCT
asfbr-2054	98	1	there	there	PRON
asfbr-2054	98	2	were	be	VERB
asfbr-2054	98	3	53	53	NUM
asfbr-2054	98	4	%	%	NOUN
asfbr-2054	98	5	rural	rural	ADJ
asfbr-2054	98	6	and	and	CCONJ
asfbr-2054	98	7	47	47	NUM
asfbr-2054	98	8	%	%	NOUN
asfbr-2054	98	9	urban	urban	ADJ
asfbr-2054	98	10	respondents	respondent	NOUN
asfbr-2054	98	11	,	,	PUNCT
asfbr-2054	98	12	with	with	ADP
asfbr-2054	98	13	68.75	68.75	NUM
asfbr-2054	98	14	%	%	NOUN
asfbr-2054	98	15	men	man	NOUN
asfbr-2054	98	16	and	and	CCONJ
asfbr-2054	98	17	31.25	31.25	NUM
asfbr-2054	98	18	%	%	NOUN
asfbr-2054	98	19	women	woman	NOUN
asfbr-2054	98	20	.	.	PUNCT
asfbr-2054	99	1	the	the	DET
asfbr-2054	99	2	age	age	NOUN
asfbr-2054	99	3	group	group	NOUN
asfbr-2054	99	4	of	of	ADP
asfbr-2054	99	5	26–35	26–35	NUM
asfbr-2054	99	6	,	,	PUNCT
asfbr-2054	99	7	which	which	PRON
asfbr-2054	99	8	accounted	account	VERB
asfbr-2054	99	9	for	for	ADP
asfbr-2054	99	10	39.50	39.50	NUM
asfbr-2054	99	11	%	%	NOUN
asfbr-2054	99	12	of	of	ADP
asfbr-2054	99	13	all	all	DET
asfbr-2054	99	14	respondents	respondent	NOUN
asfbr-2054	99	15	,	,	PUNCT
asfbr-2054	99	16	was	be	AUX
asfbr-2054	99	17	followed	follow	VERB
asfbr-2054	99	18	by	by	ADP
asfbr-2054	99	19	that	that	PRON
asfbr-2054	99	20	of	of	ADP
asfbr-2054	99	21	18–25	18–25	NUM
asfbr-2054	99	22	,	,	PUNCT
asfbr-2054	99	23	which	which	PRON
asfbr-2054	99	24	accounted	account	VERB
asfbr-2054	99	25	for	for	ADP
asfbr-2054	99	26	27.25	27.25	NUM
asfbr-2054	99	27	%	%	NOUN
asfbr-2054	99	28	,	,	PUNCT
asfbr-2054	99	29	and	and	CCONJ
asfbr-2054	99	30	that	that	PRON
asfbr-2054	99	31	of	of	ADP
asfbr-2054	99	32	36–45	36–45	NUM
asfbr-2054	99	33	,	,	PUNCT
asfbr-2054	99	34	which	which	PRON
asfbr-2054	99	35	accounted	account	VERB
asfbr-2054	99	36	for	for	ADP
asfbr-2054	99	37	21.75%.twenty	21.75%.twenty	NUM
asfbr-2054	99	38	per	per	ADP
asfbr-2054	99	39	cent	cent	NOUN
asfbr-2054	99	40	of	of	ADP
asfbr-2054	99	41	respondents	respondent	NOUN
asfbr-2054	99	42	who	who	PRON
asfbr-2054	99	43	used	use	VERB
asfbr-2054	99	44	mobile	mobile	ADJ
asfbr-2054	99	45	banking	banking	NOUN
asfbr-2054	99	46	were	be	AUX
asfbr-2054	99	47	illiterate	illiterate	ADJ
asfbr-2054	99	48	.	.	PUNCT
asfbr-2054	100	1	illiterate	illiterate	ADJ
asfbr-2054	100	2	to	to	ADP
asfbr-2054	100	3	hsc	hsc	NOUN
asfbr-2054	100	4	-	-	PUNCT
asfbr-2054	100	5	passed	pass	VERB
asfbr-2054	100	6	users	user	NOUN
asfbr-2054	100	7	account	account	VERB
asfbr-2054	100	8	for	for	ADP
asfbr-2054	100	9	86.5	86.5	NUM
asfbr-2054	100	10	%	%	NOUN
asfbr-2054	100	11	.	.	PUNCT
asfbr-2054	101	1	39	39	NUM
asfbr-2054	101	2	%	%	NOUN
asfbr-2054	101	3	of	of	ADP
asfbr-2054	101	4	those	those	PRON
asfbr-2054	101	5	polled	poll	VERB
asfbr-2054	101	6	made	make	VERB
asfbr-2054	101	7	between	between	ADP
asfbr-2054	101	8	1,000	1,000	NUM
asfbr-2054	101	9	and	and	CCONJ
asfbr-2054	101	10	20,000	20,000	NUM
asfbr-2054	101	11	taka	taka	NOUN
asfbr-2054	101	12	per	per	ADP
asfbr-2054	101	13	month	month	NOUN
asfbr-2054	101	14	.	.	PUNCT
asfbr-2054	102	1	the	the	DET
asfbr-2054	102	2	respective	respective	ADJ
asfbr-2054	102	3	income	income	NOUN
asfbr-2054	102	4	ranges	range	NOUN
asfbr-2054	102	5	stated	state	VERB
asfbr-2054	102	6	by	by	ADP
asfbr-2054	102	7	25	25	NUM
asfbr-2054	102	8	%	%	NOUN
asfbr-2054	102	9	and	and	CCONJ
asfbr-2054	102	10	19	19	NUM
asfbr-2054	102	11	%	%	NOUN
asfbr-2054	102	12	of	of	ADP
asfbr-2054	102	13	respondents	respondent	NOUN
asfbr-2054	102	14	were	be	AUX
asfbr-2054	102	15	tk	tk	PROPN
asfbr-2054	102	16	1000–10000	1000–10000	NUM
asfbr-2054	103	1	and	and	CCONJ
asfbr-2054	103	2	tk	tk	PROPN
asfbr-2054	103	3	21000–30000	21000–30000	NUM
asfbr-2054	103	4	.	.	PUNCT
asfbr-2054	104	1	respondents	respondent	NOUN
asfbr-2054	104	2	are	be	AUX
asfbr-2054	104	3	divided	divide	VERB
asfbr-2054	104	4	into	into	ADP
asfbr-2054	104	5	twelve	twelve	NUM
asfbr-2054	104	6	occupational	occupational	ADJ
asfbr-2054	104	7	groups	group	NOUN
asfbr-2054	104	8	mobile	mobile	ADJ
asfbr-2054	104	9	banking	banking	NOUN
asfbr-2054	104	10	regulatory	regulatory	ADJ
asfbr-2054	104	11	policy	policy	NOUN
asfbr-2054	104	12	relative	relative	ADJ
asfbr-2054	104	13	index	index	NOUN
asfbr-2054	104	14	by	by	ADP
asfbr-2054	104	15	using	use	VERB
asfbr-2054	104	16	user	user	NOUN
asfbr-2054	104	17	’s	’s	PART
asfbr-2054	104	18	perception	perception	NOUN
asfbr-2054	104	19	this	this	DET
asfbr-2054	104	20	section	section	NOUN
asfbr-2054	104	21	presents	present	VERB
asfbr-2054	104	22	the	the	DET
asfbr-2054	104	23	user	user	NOUN
asfbr-2054	104	24	's	's	PART
asfbr-2054	104	25	perceptions	perception	NOUN
asfbr-2054	104	26	regarding	regard	VERB
asfbr-2054	104	27	these	these	DET
asfbr-2054	104	28	services	service	NOUN
asfbr-2054	104	29	'	'	PART
asfbr-2054	104	30	policies	policy	NOUN
asfbr-2054	104	31	and	and	CCONJ
asfbr-2054	104	32	regulations	regulation	NOUN
asfbr-2054	104	33	in	in	ADP
asfbr-2054	104	34	bangladesh	bangladesh	NOUN
asfbr-2054	104	35	.	.	PUNCT
asfbr-2054	105	1	the	the	DET
asfbr-2054	105	2	five	five	NUM
asfbr-2054	105	3	-	-	PUNCT
asfbr-2054	105	4	point	point	NOUN
asfbr-2054	105	5	likert	likert	ADJ
asfbr-2054	105	6	scale	scale	NOUN
asfbr-2054	105	7	measurement	measurement	NOUN
asfbr-2054	105	8	has	have	AUX
asfbr-2054	105	9	been	be	AUX
asfbr-2054	105	10	used	use	VERB
asfbr-2054	105	11	to	to	PART
asfbr-2054	105	12	conceptualize	conceptualize	VERB
asfbr-2054	105	13	the	the	DET
asfbr-2054	105	14	mobile	mobile	ADJ
asfbr-2054	105	15	financial	financial	ADJ
asfbr-2054	105	16	user	user	NOUN
asfbr-2054	105	17	's	's	PART
asfbr-2054	105	18	perception	perception	NOUN
asfbr-2054	105	19	of	of	ADP
asfbr-2054	105	20	this	this	DET
asfbr-2054	105	21	issue	issue	NOUN
asfbr-2054	105	22	.	.	PUNCT
asfbr-2054	106	1	a	a	DET
asfbr-2054	106	2	questionnaire	questionnaire	NOUN
asfbr-2054	106	3	survey	survey	NOUN
asfbr-2054	106	4	in	in	ADP
asfbr-2054	106	5	four	four	NUM
asfbr-2054	106	6	districts	district	NOUN
asfbr-2054	106	7	was	be	AUX
asfbr-2054	106	8	used	use	VERB
asfbr-2054	106	9	to	to	PART
asfbr-2054	106	10	collect	collect	VERB
asfbr-2054	106	11	information	information	NOUN
asfbr-2054	106	12	from	from	ADP
asfbr-2054	106	13	400	400	NUM
asfbr-2054	106	14	users	user	NOUN
asfbr-2054	106	15	of	of	ADP
asfbr-2054	106	16	mobile	mobile	ADJ
asfbr-2054	106	17	financial	financial	ADJ
asfbr-2054	106	18	services	service	NOUN
asfbr-2054	106	19	.	.	PUNCT
asfbr-2054	107	1	during	during	ADP
asfbr-2054	107	2	the	the	DET
asfbr-2054	107	3	survey	survey	NOUN
asfbr-2054	107	4	,	,	PUNCT
asfbr-2054	107	5	respondents	respondent	NOUN
asfbr-2054	107	6	were	be	AUX
asfbr-2054	107	7	asked	ask	VERB
asfbr-2054	107	8	to	to	PART
asfbr-2054	107	9	assess	assess	VERB
asfbr-2054	107	10	their	their	PRON
asfbr-2054	107	11	degree	degree	NOUN
asfbr-2054	107	12	of	of	ADP
asfbr-2054	107	13	agreement	agreement	NOUN
asfbr-2054	107	14	with	with	ADP
asfbr-2054	107	15	the	the	DET
asfbr-2054	107	16	following	follow	VERB
asfbr-2054	107	17	mobile	mobile	ADJ
asfbr-2054	107	18	financial	financial	ADJ
asfbr-2054	107	19	services	service	NOUN
asfbr-2054	107	20	regulatory	regulatory	ADJ
asfbr-2054	107	21	policy	policy	NOUN
asfbr-2054	107	22	statement	statement	NOUN
asfbr-2054	107	23	by	by	ADP
asfbr-2054	107	24	indicating	indicate	VERB
asfbr-2054	107	25	:	:	PUNCT
asfbr-2054	107	26	(	(	PUNCT
asfbr-2054	107	27	5	5	X
asfbr-2054	107	28	)	)	PUNCT
asfbr-2054	107	29	strongly	strongly	ADV
asfbr-2054	107	30	agree	agree	VERB
asfbr-2054	107	31	(	(	PUNCT
asfbr-2054	107	32	sa	sa	NOUN
asfbr-2054	107	33	)	)	PUNCT
asfbr-2054	107	34	,	,	PUNCT
asfbr-2054	107	35	(	(	PUNCT
asfbr-2054	107	36	4	4	X
asfbr-2054	107	37	)	)	PUNCT
asfbr-2054	107	38	agree	agree	VERB
asfbr-2054	107	39	(	(	PUNCT
asfbr-2054	107	40	a	a	X
asfbr-2054	107	41	)	)	PUNCT
asfbr-2054	107	42	,	,	PUNCT
asfbr-2054	107	43	(	(	PUNCT
asfbr-2054	107	44	3	3	X
asfbr-2054	107	45	)	)	PUNCT
asfbr-2054	107	46	not	not	PART
asfbr-2054	107	47	agree	agree	VERB
asfbr-2054	107	48	or	or	CCONJ
asfbr-2054	107	49	not	not	PART
asfbr-2054	107	50	disagree	disagree	VERB
asfbr-2054	107	51	(	(	PUNCT
asfbr-2054	107	52	nda	nda	PROPN
asfbr-2054	107	53	/	/	SYM
asfbr-2054	107	54	na	na	NOUN
asfbr-2054	107	55	)	)	PUNCT
asfbr-2054	107	56	,	,	PUNCT
asfbr-2054	107	57	and	and	CCONJ
asfbr-2054	107	58	(	(	PUNCT
asfbr-2054	107	59	2	2	X
asfbr-2054	107	60	)	)	PUNCT
asfbr-2054	107	61	disagree	disagree	VERB
asfbr-2054	107	62	(	(	PUNCT
asfbr-2054	107	63	da	da	NOUN
asfbr-2054	107	64	)	)	PUNCT
asfbr-2054	107	65	(	(	PUNCT
asfbr-2054	107	66	1	1	X
asfbr-2054	107	67	)	)	PUNCT
asfbr-2054	107	68	strongly	strongly	ADV
asfbr-2054	107	69	disagree	disagree	VERB
asfbr-2054	107	70	(	(	PUNCT
asfbr-2054	107	71	sda	sda	NOUN
asfbr-2054	107	72	)	)	PUNCT
asfbr-2054	107	73	.	.	PUNCT
asfbr-2054	108	1	the	the	DET
asfbr-2054	108	2	results	result	NOUN
asfbr-2054	108	3	are	be	AUX
asfbr-2054	108	4	tabulated	tabulate	VERB
asfbr-2054	108	5	below	below	ADP
asfbr-2054	108	6	using	use	VERB
asfbr-2054	108	7	the	the	DET
asfbr-2054	108	8	following	following	ADJ
asfbr-2054	108	9	relative	relative	ADJ
asfbr-2054	108	10	index	index	NOUN
asfbr-2054	108	11	model	model	NOUN
asfbr-2054	108	12	.	.	PUNCT
asfbr-2054	109	1	kabir	kabir	PROPN
asfbr-2054	109	2	&	&	CCONJ
asfbr-2054	109	3	hossain	hossain	PROPN
asfbr-2054	109	4	,	,	PUNCT
asfbr-2054	109	5	asian	asian	ADJ
asfbr-2054	109	6	finance	finance	PROPN
asfbr-2054	109	7	&	&	CCONJ
asfbr-2054	109	8	banking	banking	PROPN
asfbr-2054	109	9	review	review	NOUN
asfbr-2054	109	10	7(1	7(1	NUM
asfbr-2054	109	11	)	)	PUNCT
asfbr-2054	109	12	(	(	PUNCT
asfbr-2054	109	13	2023	2023	NUM
asfbr-2054	109	14	)	)	PUNCT
asfbr-2054	109	15	,	,	PUNCT
asfbr-2054	109	16	10	10	NUM
asfbr-2054	109	17	-	-	SYM
asfbr-2054	109	18	16	16	NUM
asfbr-2054	109	19	13	13	NUM
asfbr-2054	109	20	𝑀𝐵𝑅𝑃𝑅𝐼	𝑀𝐵𝑅𝑃𝑅𝐼	PROPN
asfbr-2054	109	21	=	=	PUNCT
asfbr-2054	109	22	𝑊	𝑊	NUM
asfbr-2054	109	23	𝐴𝑁	𝐴𝑁	PROPN
asfbr-2054	109	24	𝑀𝐵𝑅𝑃𝑅𝐼	𝑀𝐵𝑅𝑃𝑅𝐼	PROPN
asfbr-2054	109	25	=	=	SYM
asfbr-2054	110	1	5𝑛5	5𝑛5	PROPN
asfbr-2054	111	1	+	+	CCONJ
asfbr-2054	111	2	4𝑛4	4𝑛4	NUM
asfbr-2054	111	3	+	+	SYM
asfbr-2054	111	4	3𝑛3	3𝑛3	NUM
asfbr-2054	111	5	+	+	SYM
asfbr-2054	111	6	2𝑛2	2𝑛2	NUM
asfbr-2054	111	7	+	+	CCONJ
asfbr-2054	111	8	1𝑛1	1𝑛1	NUM
asfbr-2054	111	9	𝐴	𝐴	PROPN
asfbr-2054	111	10	∗	∗	VERB
asfbr-2054	111	11	𝑁	𝑁	PROPN
asfbr-2054	111	12	where	where	SCONJ
asfbr-2054	111	13	mbrpri=	mbrpri=	NUM
asfbr-2054	111	14	mobile	mobile	ADJ
asfbr-2054	111	15	banking	banking	NOUN
asfbr-2054	111	16	regulatory	regulatory	ADJ
asfbr-2054	111	17	policy	policy	NOUN
asfbr-2054	111	18	relative	relative	ADJ
asfbr-2054	111	19	index	index	NOUN
asfbr-2054	111	20	n5	n5	PROPN
asfbr-2054	111	21	=	=	PUNCT
asfbr-2054	111	22	number	number	NOUN
asfbr-2054	111	23	of	of	ADP
asfbr-2054	111	24	respondents	respondent	NOUN
asfbr-2054	111	25	of	of	ADP
asfbr-2054	111	26	strongly	strongly	ADV
asfbr-2054	111	27	agree	agree	VERB
asfbr-2054	111	28	.	.	PUNCT
asfbr-2054	112	1	n4	n4	PROPN
asfbr-2054	112	2	=	=	NOUN
asfbr-2054	112	3	number	number	NOUN
asfbr-2054	112	4	of	of	ADP
asfbr-2054	112	5	respondents	respondent	NOUN
asfbr-2054	112	6	of	of	ADP
asfbr-2054	112	7	agree	agree	NOUN
asfbr-2054	112	8	.	.	PUNCT
asfbr-2054	113	1	n3	n3	NOUN
asfbr-2054	113	2	=	=	PUNCT
asfbr-2054	113	3	number	number	NOUN
asfbr-2054	113	4	of	of	ADP
asfbr-2054	113	5	respondents	respondent	NOUN
asfbr-2054	113	6	neither	neither	CCONJ
asfbr-2054	113	7	agree	agree	VERB
asfbr-2054	113	8	nor	nor	CCONJ
asfbr-2054	113	9	disagree	disagree	VERB
asfbr-2054	113	10	.	.	PUNCT
asfbr-2054	114	1	n2	n2	ADJ
asfbr-2054	114	2	=	=	NOUN
asfbr-2054	114	3	number	number	NOUN
asfbr-2054	114	4	of	of	ADP
asfbr-2054	114	5	respondents	respondent	NOUN
asfbr-2054	114	6	of	of	ADP
asfbr-2054	114	7	disagree	disagree	NOUN
asfbr-2054	114	8	.	.	PUNCT
asfbr-2054	115	1	n1	n1	ADJ
asfbr-2054	115	2	=	=	NOUN
asfbr-2054	115	3	number	number	NOUN
asfbr-2054	115	4	of	of	ADP
asfbr-2054	115	5	respondents	respondent	NOUN
asfbr-2054	115	6	of	of	ADP
asfbr-2054	115	7	strongly	strongly	ADV
asfbr-2054	115	8	disagree	disagree	VERB
asfbr-2054	115	9	.	.	PUNCT
asfbr-2054	116	1	a=	a=	VERB
asfbr-2054	116	2	higher	high	ADJ
asfbr-2054	116	3	value	value	NOUN
asfbr-2054	116	4	n=	n=	ADJ
asfbr-2054	116	5	total	total	ADJ
asfbr-2054	116	6	number	number	NOUN
asfbr-2054	116	7	of	of	ADP
asfbr-2054	116	8	respondents	respondent	NOUN
asfbr-2054	116	9	table	table	NOUN
asfbr-2054	116	10	2	2	NUM
asfbr-2054	116	11	.	.	PUNCT
asfbr-2054	116	12	mobile	mobile	ADJ
asfbr-2054	116	13	banking	banking	NOUN
asfbr-2054	116	14	regulatory	regulatory	ADJ
asfbr-2054	116	15	policy	policy	NOUN
asfbr-2054	116	16	relative	relative	ADJ
asfbr-2054	116	17	index	index	NOUN
asfbr-2054	116	18	sda	sda	NOUN
asfbr-2054	116	19	score	score	NOUN
asfbr-2054	116	20	da	da	PROPN
asfbr-2054	116	21	score	score	PROPN
asfbr-2054	116	22	nda	nda	PROPN
asfbr-2054	116	23	/	/	SYM
asfbr-2054	116	24	na	na	AUX
asfbr-2054	116	25	score	score	VERB
asfbr-2054	116	26	a	a	DET
asfbr-2054	116	27	score	score	NOUN
asfbr-2054	116	28	sa	sa	NOUN
asfbr-2054	116	29	score	score	NOUN
asfbr-2054	116	30	total	total	ADJ
asfbr-2054	116	31	score	score	NOUN
asfbr-2054	116	32	index	index	NOUN
asfbr-2054	116	33	score	score	VERB
asfbr-2054	116	34	the	the	DET
asfbr-2054	116	35	present	present	NOUN
asfbr-2054	116	36	mb	mb	ADP
asfbr-2054	116	37	regulatory	regulatory	ADJ
asfbr-2054	116	38	policy	policy	NOUN
asfbr-2054	116	39	allowed	allow	VERB
asfbr-2054	116	40	the	the	DET
asfbr-2054	116	41	diversified	diversified	ADJ
asfbr-2054	116	42	banking	banking	NOUN
asfbr-2054	116	43	products	product	NOUN
asfbr-2054	116	44	and	and	CCONJ
asfbr-2054	116	45	services	service	NOUN
asfbr-2054	116	46	.	.	PUNCT
asfbr-2054	117	1	7	7	NUM
asfbr-2054	117	2	4	4	NUM
asfbr-2054	117	3	66	66	NUM
asfbr-2054	117	4	952	952	NUM
asfbr-2054	117	5	655	655	NUM
asfbr-2054	117	6	1684	1684	NUM
asfbr-2054	117	7	0.84	0.84	NUM
asfbr-2054	117	8	the	the	DET
asfbr-2054	117	9	present	present	ADJ
asfbr-2054	117	10	mobile	mobile	ADJ
asfbr-2054	117	11	banking	banking	NOUN
asfbr-2054	117	12	policy	policy	NOUN
asfbr-2054	117	13	and	and	CCONJ
asfbr-2054	117	14	regulation	regulation	NOUN
asfbr-2054	117	15	has	have	AUX
asfbr-2054	117	16	digitized	digitize	VERB
asfbr-2054	117	17	and	and	CCONJ
asfbr-2054	117	18	simplified	simplify	VERB
asfbr-2054	117	19	the	the	DET
asfbr-2054	117	20	kyc	kyc	PROPN
asfbr-2054	117	21	process	process	NOUN
asfbr-2054	117	22	for	for	ADP
asfbr-2054	117	23	opening	open	VERB
asfbr-2054	117	24	a	a	DET
asfbr-2054	117	25	mobile	mobile	ADJ
asfbr-2054	117	26	bank	bank	NOUN
asfbr-2054	117	27	account	account	NOUN
asfbr-2054	117	28	.	.	PUNCT
asfbr-2054	118	1	2	2	NUM
asfbr-2054	118	2	4	4	NUM
asfbr-2054	118	3	27	27	NUM
asfbr-2054	118	4	976	976	NUM
asfbr-2054	118	5	715	715	NUM
asfbr-2054	118	6	1724	1724	NUM
asfbr-2054	118	7	0.86	0.86	NUM
asfbr-2054	118	8	the	the	DET
asfbr-2054	118	9	present	present	NOUN
asfbr-2054	118	10	mb	mb	ADP
asfbr-2054	118	11	regulatory	regulatory	ADJ
asfbr-2054	118	12	policy	policy	NOUN
asfbr-2054	118	13	simplify	simplify	VERB
asfbr-2054	118	14	the	the	DET
asfbr-2054	118	15	agent	agent	NOUN
asfbr-2054	118	16	requirement	requirement	NOUN
asfbr-2054	118	17	process	process	NOUN
asfbr-2054	118	18	and	and	CCONJ
asfbr-2054	118	19	ensure	ensure	VERB
asfbr-2054	118	20	the	the	DET
asfbr-2054	118	21	agent	agent	NOUN
asfbr-2054	118	22	availability	availability	NOUN
asfbr-2054	118	23	.	.	PUNCT
asfbr-2054	119	1	3	3	NUM
asfbr-2054	119	2	4	4	NUM
asfbr-2054	119	3	36	36	NUM
asfbr-2054	119	4	1016	1016	NUM
asfbr-2054	119	5	645	645	NUM
asfbr-2054	119	6	1704	1704	NUM
asfbr-2054	119	7	0.85	0.85	NUM
asfbr-2054	119	8	the	the	DET
asfbr-2054	119	9	present	present	ADJ
asfbr-2054	119	10	mobile	mobile	ADJ
asfbr-2054	119	11	banking	banking	NOUN
asfbr-2054	119	12	regulation	regulation	NOUN
asfbr-2054	119	13	ensure	ensure	VERB
asfbr-2054	119	14	supervision	supervision	NOUN
asfbr-2054	119	15	and	and	CCONJ
asfbr-2054	119	16	control	control	NOUN
asfbr-2054	119	17	of	of	ADP
asfbr-2054	119	18	this	this	DET
asfbr-2054	119	19	services	service	NOUN
asfbr-2054	119	20	and	and	CCONJ
asfbr-2054	119	21	agents	agent	NOUN
asfbr-2054	119	22	activities	activity	NOUN
asfbr-2054	119	23	.	.	PUNCT
asfbr-2054	120	1	5	5	NUM
asfbr-2054	120	2	2	2	NUM
asfbr-2054	120	3	24	24	NUM
asfbr-2054	120	4	904	904	NUM
asfbr-2054	120	5	800	800	NUM
asfbr-2054	120	6	1735	1735	NUM
asfbr-2054	120	7	0.86	0.86	NUM
asfbr-2054	120	8	transaction	transaction	NOUN
asfbr-2054	120	9	limit	limit	NOUN
asfbr-2054	120	10	policy	policy	NOUN
asfbr-2054	120	11	for	for	ADP
asfbr-2054	120	12	individual	individual	ADJ
asfbr-2054	120	13	users	user	NOUN
asfbr-2054	120	14	reduced	reduce	VERB
asfbr-2054	120	15	the	the	DET
asfbr-2054	120	16	abuse	abuse	NOUN
asfbr-2054	120	17	of	of	ADP
asfbr-2054	120	18	this	this	DET
asfbr-2054	120	19	services	service	NOUN
asfbr-2054	120	20	.	.	PUNCT
asfbr-2054	121	1	12	12	NUM
asfbr-2054	121	2	16	16	NUM
asfbr-2054	121	3	69	69	NUM
asfbr-2054	121	4	920	920	NUM
asfbr-2054	121	5	635	635	NUM
asfbr-2054	121	6	1652	1652	NUM
asfbr-2054	121	7	0.82	0.82	NUM
asfbr-2054	121	8	the	the	DET
asfbr-2054	121	9	mobile	mobile	ADJ
asfbr-2054	121	10	banking	banking	NOUN
asfbr-2054	121	11	regulation	regulation	NOUN
asfbr-2054	121	12	2018	2018	NUM
asfbr-2054	121	13	and	and	CCONJ
asfbr-2054	121	14	digital	digital	ADJ
asfbr-2054	121	15	security	security	NOUN
asfbr-2054	121	16	law	law	NOUN
asfbr-2054	121	17	2018	2018	NUM
asfbr-2054	121	18	properly	properly	ADV
asfbr-2054	121	19	address	address	VERB
asfbr-2054	121	20	the	the	DET
asfbr-2054	121	21	aml	aml	PROPN
asfbr-2054	121	22	issues	issue	NOUN
asfbr-2054	121	23	which	which	PRON
asfbr-2054	121	24	secure	secure	VERB
asfbr-2054	121	25	the	the	DET
asfbr-2054	121	26	mobile	mobile	ADJ
asfbr-2054	121	27	banking	banking	NOUN
asfbr-2054	121	28	transaction	transaction	NOUN
asfbr-2054	121	29	by	by	ADP
asfbr-2054	121	30	curving	curve	VERB
asfbr-2054	121	31	money	money	NOUN
asfbr-2054	121	32	laundering	laundering	NOUN
asfbr-2054	121	33	and	and	CCONJ
asfbr-2054	121	34	terrorist	terrorist	NOUN
asfbr-2054	121	35	financing	financing	NOUN
asfbr-2054	121	36	and	and	CCONJ
asfbr-2054	121	37	digital	digital	ADJ
asfbr-2054	121	38	money	money	NOUN
asfbr-2054	121	39	fraud	fraud	NOUN
asfbr-2054	121	40	of	of	ADP
asfbr-2054	121	41	mobile	mobile	ADJ
asfbr-2054	121	42	banking	banking	NOUN
asfbr-2054	121	43	.	.	PUNCT
asfbr-2054	122	1	15	15	NUM
asfbr-2054	122	2	16	16	NUM
asfbr-2054	122	3	36	36	NUM
asfbr-2054	122	4	900	900	NUM
asfbr-2054	122	5	705	705	NUM
asfbr-2054	122	6	1672	1672	NUM
asfbr-2054	122	7	0.83	0.83	NUM
asfbr-2054	122	8	the	the	DET
asfbr-2054	122	9	present	present	ADJ
asfbr-2054	122	10	regulation	regulation	NOUN
asfbr-2054	122	11	encourage	encourage	VERB
asfbr-2054	122	12	to	to	ADP
asfbr-2054	122	13	the	the	DET
asfbr-2054	122	14	victims	victim	NOUN
asfbr-2054	122	15	for	for	ADP
asfbr-2054	122	16	taking	take	VERB
asfbr-2054	122	17	legal	legal	ADJ
asfbr-2054	122	18	action	action	NOUN
asfbr-2054	122	19	against	against	ADP
asfbr-2054	122	20	the	the	DET
asfbr-2054	122	21	money	money	NOUN
asfbr-2054	122	22	fraud	fraud	NOUN
asfbr-2054	122	23	11	11	NUM
asfbr-2054	122	24	2	2	NUM
asfbr-2054	122	25	105	105	NUM
asfbr-2054	122	26	808	808	NUM
asfbr-2054	122	27	755	755	NUM
asfbr-2054	122	28	1681	1681	NUM
asfbr-2054	122	29	0.84	0.84	NUM
asfbr-2054	122	30	digital	digital	ADJ
asfbr-2054	122	31	security	security	NOUN
asfbr-2054	122	32	law	law	NOUN
asfbr-2054	122	33	2018	2018	NUM
asfbr-2054	122	34	and	and	CCONJ
asfbr-2054	122	35	ict	ict	PROPN
asfbr-2054	122	36	security	security	PROPN
asfbr-2054	122	37	act	act	NOUN
asfbr-2054	122	38	2013	2013	NUM
asfbr-2054	122	39	,	,	PUNCT
asfbr-2054	122	40	have	have	VERB
asfbr-2054	122	41	a	a	DET
asfbr-2054	122	42	provision	provision	NOUN
asfbr-2054	122	43	of	of	ADP
asfbr-2054	122	44	punishment	punishment	NOUN
asfbr-2054	122	45	for	for	ADP
asfbr-2054	122	46	mb	mb	ADP
asfbr-2054	122	47	illegal	illegal	ADJ
asfbr-2054	122	48	transaction	transaction	NOUN
asfbr-2054	122	49	,	,	PUNCT
asfbr-2054	122	50	this	this	DET
asfbr-2054	122	51	punishment	punishment	NOUN
asfbr-2054	122	52	provision	provision	NOUN
asfbr-2054	122	53	reduce	reduce	VERB
asfbr-2054	122	54	the	the	DET
asfbr-2054	122	55	abuse	abuse	NOUN
asfbr-2054	122	56	of	of	ADP
asfbr-2054	122	57	mf	mf	NOUN
asfbr-2054	122	58	activity	activity	NOUN
asfbr-2054	122	59	.	.	PUNCT
asfbr-2054	123	1	3	3	NUM
asfbr-2054	123	2	4	4	NUM
asfbr-2054	123	3	24	24	NUM
asfbr-2054	123	4	868	868	NUM
asfbr-2054	123	5	850	850	NUM
asfbr-2054	123	6	1749	1749	NUM
asfbr-2054	123	7	0.87	0.87	NUM
asfbr-2054	123	8	the	the	DET
asfbr-2054	123	9	present	present	ADJ
asfbr-2054	123	10	mobile	mobile	ADJ
asfbr-2054	123	11	banking	banking	NOUN
asfbr-2054	123	12	regulation	regulation	NOUN
asfbr-2054	123	13	increases	increase	VERB
asfbr-2054	123	14	the	the	DET
asfbr-2054	123	15	customer	customer	NOUN
asfbr-2054	123	16	confidence	confidence	NOUN
asfbr-2054	123	17	level	level	NOUN
asfbr-2054	123	18	about	about	ADP
asfbr-2054	123	19	mobile	mobile	ADJ
asfbr-2054	123	20	banking	banking	NOUN
asfbr-2054	123	21	transactions	transaction	NOUN
asfbr-2054	123	22	.	.	PUNCT
asfbr-2054	124	1	1	1	NUM
asfbr-2054	124	2	2	2	NUM
asfbr-2054	124	3	45	45	NUM
asfbr-2054	124	4	832	832	NUM
asfbr-2054	124	5	875	875	NUM
asfbr-2054	124	6	1755	1755	NUM
asfbr-2054	124	7	0.87	0.87	NUM
asfbr-2054	124	8	proper	proper	ADJ
asfbr-2054	124	9	implementation	implementation	NOUN
asfbr-2054	124	10	of	of	ADP
asfbr-2054	124	11	mbs	mb	NOUN
asfbr-2054	124	12	policy	policy	NOUN
asfbr-2054	124	13	and	and	CCONJ
asfbr-2054	124	14	regulation	regulation	NOUN
asfbr-2054	124	15	2018	2018	NUM
asfbr-2054	124	16	in	in	ADP
asfbr-2054	124	17	generating	generate	VERB
asfbr-2054	124	18	the	the	DET
asfbr-2054	124	19	enable	enable	ADJ
asfbr-2054	124	20	regulatory	regulatory	ADJ
asfbr-2054	124	21	environment	environment	NOUN
asfbr-2054	124	22	for	for	ADP
asfbr-2054	124	23	mobile	mobile	ADJ
asfbr-2054	124	24	banking	banking	NOUN
asfbr-2054	124	25	transactions	transaction	NOUN
asfbr-2054	124	26	.	.	PUNCT
asfbr-2054	125	1	11	11	NUM
asfbr-2054	125	2	6	6	NUM
asfbr-2054	125	3	39	39	NUM
asfbr-2054	125	4	828	828	NUM
asfbr-2054	125	5	780	780	NUM
asfbr-2054	125	6	1664	1664	NUM
asfbr-2054	125	7	0.83	0.83	NUM
asfbr-2054	125	8	average	average	ADJ
asfbr-2054	125	9	index	index	NOUN
asfbr-2054	125	10	score	score	NOUN
asfbr-2054	125	11	0.847	0.847	NUM
asfbr-2054	125	12	sources	source	NOUN
asfbr-2054	125	13	:	:	PUNCT
asfbr-2054	125	14	field	field	NOUN
asfbr-2054	125	15	survey	survey	NOUN
asfbr-2054	125	16	2019	2019	NUM
asfbr-2054	125	17	-	-	SYM
asfbr-2054	125	18	2020	2020	NUM
asfbr-2054	125	19	table	table	NOUN
asfbr-2054	125	20	2	2	NUM
asfbr-2054	125	21	shows	show	VERB
asfbr-2054	125	22	the	the	DET
asfbr-2054	125	23	regulatory	regulatory	ADJ
asfbr-2054	125	24	index	index	NOUN
asfbr-2054	125	25	indicators	indicator	NOUN
asfbr-2054	125	26	value	value	VERB
asfbr-2054	125	27	regarding	regard	VERB
asfbr-2054	125	28	the	the	DET
asfbr-2054	125	29	regulatory	regulatory	ADJ
asfbr-2054	125	30	environment	environment	NOUN
asfbr-2054	125	31	for	for	ADP
asfbr-2054	125	32	mobile	mobile	ADJ
asfbr-2054	125	33	banking	banking	NOUN
asfbr-2054	125	34	transactions	transaction	NOUN
asfbr-2054	125	35	is	be	AUX
asfbr-2054	125	36	examined	examine	VERB
asfbr-2054	125	37	by	by	ADP
asfbr-2054	125	38	using	use	VERB
asfbr-2054	125	39	user	user	NOUN
asfbr-2054	125	40	's	's	PART
asfbr-2054	125	41	perceptions	perception	NOUN
asfbr-2054	125	42	.	.	PUNCT
asfbr-2054	126	1	this	this	DET
asfbr-2054	126	2	index	index	NOUN
asfbr-2054	126	3	had	have	VERB
asfbr-2054	126	4	ten	ten	NUM
asfbr-2054	126	5	indicators	indicator	NOUN
asfbr-2054	126	6	,	,	PUNCT
asfbr-2054	126	7	each	each	PRON
asfbr-2054	126	8	with	with	ADP
asfbr-2054	126	9	a	a	DET
asfbr-2054	126	10	value	value	NOUN
asfbr-2054	126	11	greater	great	ADJ
asfbr-2054	126	12	than	than	ADP
asfbr-2054	126	13	0.82	0.82	NUM
asfbr-2054	126	14	out	out	ADP
asfbr-2054	126	15	of	of	ADP
asfbr-2054	126	16	1	1	NUM
asfbr-2054	126	17	.	.	PUNCT
asfbr-2054	127	1	these	these	DET
asfbr-2054	127	2	score	score	NOUN
asfbr-2054	127	3	values	value	NOUN
asfbr-2054	127	4	implied	imply	VERB
asfbr-2054	127	5	that	that	SCONJ
asfbr-2054	127	6	policy	policy	NOUN
asfbr-2054	127	7	and	and	CCONJ
asfbr-2054	127	8	regulation	regulation	NOUN
asfbr-2054	127	9	have	have	AUX
asfbr-2054	127	10	made	make	VERB
asfbr-2054	127	11	for	for	ADP
asfbr-2054	127	12	well	well	ADV
asfbr-2054	127	13	-	-	PUNCT
asfbr-2054	127	14	diversified	diversify	VERB
asfbr-2054	127	15	mobile	mobile	ADJ
asfbr-2054	127	16	banking	banking	NOUN
asfbr-2054	127	17	products	product	NOUN
asfbr-2054	127	18	and	and	CCONJ
asfbr-2054	127	19	services	service	NOUN
asfbr-2054	127	20	,	,	PUNCT
asfbr-2054	127	21	simplified	simplify	VERB
asfbr-2054	127	22	the	the	DET
asfbr-2054	127	23	kyc	kyc	PROPN
asfbr-2054	127	24	process	process	NOUN
asfbr-2054	127	25	,	,	PUNCT
asfbr-2054	127	26	made	make	VERB
asfbr-2054	127	27	available	available	ADJ
asfbr-2054	127	28	agent	agent	NOUN
asfbr-2054	127	29	networks	network	NOUN
asfbr-2054	127	30	,	,	PUNCT
asfbr-2054	127	31	protected	protect	VERB
asfbr-2054	127	32	consumer	consumer	NOUN
asfbr-2054	127	33	transactions	transaction	NOUN
asfbr-2054	127	34	,	,	PUNCT
asfbr-2054	127	35	and	and	CCONJ
asfbr-2054	127	36	ensured	ensure	VERB
asfbr-2054	127	37	the	the	DET
asfbr-2054	127	38	privacy	privacy	NOUN
asfbr-2054	127	39	of	of	ADP
asfbr-2054	127	40	users	user	NOUN
asfbr-2054	127	41	'	'	PART
asfbr-2054	127	42	financial	financial	ADJ
asfbr-2054	127	43	information	information	NOUN
asfbr-2054	127	44	.	.	PUNCT
asfbr-2054	128	1	these	these	DET
asfbr-2054	128	2	services	service	NOUN
asfbr-2054	128	3	'	'	PART
asfbr-2054	128	4	overall	overall	ADJ
asfbr-2054	128	5	average	average	ADJ
asfbr-2054	128	6	regulatory	regulatory	ADJ
asfbr-2054	128	7	index	index	NOUN
asfbr-2054	128	8	value	value	NOUN
asfbr-2054	128	9	was	be	AUX
asfbr-2054	128	10	0.847	0.847	NUM
asfbr-2054	128	11	,	,	PUNCT
asfbr-2054	128	12	indicating	indicate	VERB
asfbr-2054	128	13	that	that	SCONJ
asfbr-2054	128	14	this	this	DET
asfbr-2054	128	15	regulatory	regulatory	ADJ
asfbr-2054	128	16	policy	policy	NOUN
asfbr-2054	128	17	has	have	AUX
asfbr-2054	128	18	created	create	VERB
asfbr-2054	128	19	a	a	DET
asfbr-2054	128	20	robust	robust	ADJ
asfbr-2054	128	21	enablement	enablement	NOUN
asfbr-2054	128	22	regulatory	regulatory	ADJ
asfbr-2054	128	23	environment	environment	NOUN
asfbr-2054	128	24	for	for	ADP
asfbr-2054	128	25	mobile	mobile	ADJ
asfbr-2054	128	26	banking	banking	NOUN
asfbr-2054	128	27	transactions	transaction	NOUN
asfbr-2054	128	28	.	.	PUNCT
asfbr-2054	129	1	explanation	explanation	NOUN
asfbr-2054	129	2	of	of	ADP
asfbr-2054	129	3	the	the	DET
asfbr-2054	129	4	correlation	correlation	NOUN
asfbr-2054	129	5	correlation	correlation	NOUN
asfbr-2054	129	6	analysis	analysis	NOUN
asfbr-2054	129	7	assists	assist	NOUN
asfbr-2054	129	8	in	in	ADP
asfbr-2054	129	9	determining	determine	VERB
asfbr-2054	129	10	the	the	DET
asfbr-2054	129	11	link	link	NOUN
asfbr-2054	129	12	between	between	ADP
asfbr-2054	129	13	the	the	DET
asfbr-2054	129	14	dependent	dependent	ADJ
asfbr-2054	129	15	variable	variable	NOUN
asfbr-2054	129	16	and	and	CCONJ
asfbr-2054	129	17	each	each	DET
asfbr-2054	129	18	independent	independent	ADJ
asfbr-2054	129	19	variable	variable	NOUN
asfbr-2054	129	20	.	.	PUNCT
asfbr-2054	130	1	this	this	DET
asfbr-2054	130	2	study	study	NOUN
asfbr-2054	130	3	's	's	PART
asfbr-2054	130	4	dependent	dependent	ADJ
asfbr-2054	130	5	variable	variable	NOUN
asfbr-2054	130	6	,	,	PUNCT
asfbr-2054	130	7	"	"	PUNCT
asfbr-2054	130	8	mobile	mobile	ADJ
asfbr-2054	130	9	banking	banking	NOUN
asfbr-2054	130	10	regulatory	regulatory	ADJ
asfbr-2054	130	11	environment	environment	NOUN
asfbr-2054	130	12	,	,	PUNCT
asfbr-2054	130	13	"	"	PUNCT
asfbr-2054	130	14	has	have	VERB
asfbr-2054	130	15	a	a	DET
asfbr-2054	130	16	positive	positive	ADJ
asfbr-2054	130	17	relationship	relationship	NOUN
asfbr-2054	130	18	with	with	ADP
asfbr-2054	130	19	the	the	DET
asfbr-2054	130	20	independent	independent	ADJ
asfbr-2054	130	21	factors	factor	NOUN
asfbr-2054	130	22	of	of	ADP
asfbr-2054	130	23	mobile	mobile	ADJ
asfbr-2054	130	24	banking	banking	NOUN
asfbr-2054	130	25	regulatory	regulatory	ADJ
asfbr-2054	130	26	policy	policy	NOUN
asfbr-2054	130	27	.	.	PUNCT
asfbr-2054	131	1	this	this	DET
asfbr-2054	131	2	finding	finding	NOUN
asfbr-2054	131	3	suggests	suggest	VERB
asfbr-2054	131	4	that	that	SCONJ
asfbr-2054	131	5	these	these	DET
asfbr-2054	131	6	factors	factor	NOUN
asfbr-2054	131	7	are	be	AUX
asfbr-2054	131	8	more	more	ADV
asfbr-2054	131	9	likely	likely	ADJ
asfbr-2054	131	10	to	to	PART
asfbr-2054	131	11	influence	influence	VERB
asfbr-2054	131	12	the	the	DET
asfbr-2054	131	13	dependent	dependent	ADJ
asfbr-2054	131	14	variable	variable	NOUN
asfbr-2054	131	15	.	.	PUNCT
asfbr-2054	132	1	the	the	DET
asfbr-2054	132	2	correlation	correlation	NOUN
asfbr-2054	132	3	value	value	NOUN
asfbr-2054	132	4	for	for	ADP
asfbr-2054	132	5	all	all	DET
asfbr-2054	132	6	variables	variable	NOUN
asfbr-2054	132	7	is	be	AUX
asfbr-2054	132	8	less	less	ADJ
asfbr-2054	132	9	than	than	ADP
asfbr-2054	132	10	0.7	0.7	NUM
asfbr-2054	132	11	.	.	PUNCT
asfbr-2054	133	1	it	it	PRON
asfbr-2054	133	2	means	mean	VERB
asfbr-2054	133	3	that	that	SCONJ
asfbr-2054	133	4	the	the	DET
asfbr-2054	133	5	variable	variable	ADJ
asfbr-2054	133	6	set	set	NOUN
asfbr-2054	133	7	has	have	VERB
asfbr-2054	133	8	no	no	DET
asfbr-2054	133	9	multicollinearity	multicollinearity	NOUN
asfbr-2054	133	10	,	,	PUNCT
asfbr-2054	133	11	and	and	CCONJ
asfbr-2054	133	12	all	all	DET
asfbr-2054	133	13	variables	variable	NOUN
asfbr-2054	133	14	have	have	VERB
asfbr-2054	133	15	separate	separate	ADJ
asfbr-2054	133	16	effects	effect	NOUN
asfbr-2054	133	17	and	and	CCONJ
asfbr-2054	133	18	significance	significance	NOUN
asfbr-2054	133	19	.	.	PUNCT
asfbr-2054	134	1	table	table	NOUN
asfbr-2054	134	2	3	3	NUM
asfbr-2054	134	3	.	.	PUNCT
asfbr-2054	134	4	pearson	pearson	PROPN
asfbr-2054	134	5	correlation	correlation	PROPN
asfbr-2054	134	6	mbpr1	mbpr1	PROPN
asfbr-2054	134	7	mbpr2	mbpr2	PROPN
asfbr-2054	134	8	mbpr3	mbpr3	PROPN
asfbr-2054	134	9	mbpr4	mbpr4	PROPN
asfbr-2054	135	1	mbpr5	mbpr5	NOUN
asfbr-2054	135	2	mbpr6	mbpr6	NOUN
asfbr-2054	135	3	mbpr7	mbpr7	PROPN
asfbr-2054	135	4	mbpr8	mbpr8	PROPN
asfbr-2054	135	5	mbpr9	mbpr9	PROPN
asfbr-2054	135	6	mbpr10	mbpr10	PROPN
asfbr-2054	135	7	mbpr1	mbpr1	PROPN
asfbr-2054	136	1	1	1	NUM
asfbr-2054	136	2	0.095	0.095	NUM
asfbr-2054	136	3	0.277	0.277	NUM
asfbr-2054	136	4	0.260	0.260	NUM
asfbr-2054	136	5	0.618	0.618	NUM
asfbr-2054	136	6	0.058	0.058	NUM
asfbr-2054	136	7	0.066	0.066	NUM
asfbr-2054	136	8	0.011	0.011	NUM
asfbr-2054	136	9	0.101	0.101	NUM
asfbr-2054	136	10	0.229	0.229	NUM
asfbr-2054	136	11	mbpr2	mbpr2	NOUN
asfbr-2054	136	12	0.095	0.095	NUM
asfbr-2054	136	13	1	1	NUM
asfbr-2054	136	14	0.514	0.514	NUM
asfbr-2054	136	15	0.36	0.36	NUM
asfbr-2054	136	16	0.154	0.154	NUM
asfbr-2054	136	17	0.284	0.284	NUM
asfbr-2054	136	18	0.247	0.247	NUM
asfbr-2054	136	19	0.142	0.142	NUM
asfbr-2054	136	20	0.235	0.235	NUM
asfbr-2054	136	21	0.133	0.133	NUM
asfbr-2054	136	22	mbpr3	mbpr3	NOUN
asfbr-2054	136	23	0.272	0.272	NUM
asfbr-2054	136	24	0.514	0.514	NUM
asfbr-2054	136	25	1	1	NUM
asfbr-2054	136	26	0.525	0.525	NUM
asfbr-2054	136	27	0.356	0.356	NUM
asfbr-2054	136	28	0.253	0.253	NUM
asfbr-2054	136	29	0.394	0.394	NUM
asfbr-2054	136	30	0.175	0.175	NUM
asfbr-2054	136	31	0.276	0.276	NUM
asfbr-2054	136	32	0.187	0.187	NUM
asfbr-2054	136	33	mbpr4	mbpr4	NOUN
asfbr-2054	136	34	0.26	0.26	NUM
asfbr-2054	136	35	0.36	0.36	NUM
asfbr-2054	136	36	0.525	0.525	NUM
asfbr-2054	136	37	1	1	NUM
asfbr-2054	136	38	0.311	0.311	NUM
asfbr-2054	136	39	0.223	0.223	NUM
asfbr-2054	136	40	0.261	0.261	NUM
asfbr-2054	136	41	0.181	0.181	NUM
asfbr-2054	136	42	0.24	0.24	NUM
asfbr-2054	136	43	0.252	0.252	NUM
asfbr-2054	136	44	mbpr5	mbpr5	NOUN
asfbr-2054	136	45	0.618	0.618	NUM
asfbr-2054	136	46	0.154	0.154	NUM
asfbr-2054	136	47	0.356	0.356	NUM
asfbr-2054	136	48	0.311	0.311	NUM
asfbr-2054	136	49	1	1	NUM
asfbr-2054	136	50	0.117	0.117	NUM
asfbr-2054	136	51	0.089	0.089	NUM
asfbr-2054	136	52	0.013	0.013	NUM
asfbr-2054	136	53	0.106	0.106	NUM
asfbr-2054	136	54	0.284	0.284	NUM
asfbr-2054	136	55	mbpr6	mbpr6	NOUN
asfbr-2054	136	56	0.058	0.058	NUM
asfbr-2054	136	57	0.286	0.286	NUM
asfbr-2054	136	58	0.253	0.253	NUM
asfbr-2054	136	59	0.223	0.223	NUM
asfbr-2054	136	60	0.117	0.117	NUM
asfbr-2054	136	61	1	1	NUM
asfbr-2054	136	62	0.515	0.515	NUM
asfbr-2054	136	63	0.365	0.365	NUM
asfbr-2054	136	64	0.272	0.272	NUM
asfbr-2054	136	65	0.099	0.099	NUM
asfbr-2054	136	66	mbpr7	mbpr7	PROPN
asfbr-2054	136	67	0.066	0.066	NUM
asfbr-2054	136	68	0.247	0.247	NUM
asfbr-2054	136	69	0.394	0.394	NUM
asfbr-2054	136	70	0.261	0.261	NUM
asfbr-2054	136	71	0.089	0.089	NUM
asfbr-2054	136	72	0.515	0.515	NUM
asfbr-2054	136	73	1	1	NUM
asfbr-2054	136	74	0.336	0.336	NUM
asfbr-2054	136	75	0.277	0.277	NUM
asfbr-2054	136	76	0.123	0.123	NUM
asfbr-2054	136	77	mbpr8	mbpr8	NOUN
asfbr-2054	136	78	0.011	0.011	NUM
asfbr-2054	136	79	0.142	0.142	NUM
asfbr-2054	136	80	0.175	0.175	NUM
asfbr-2054	136	81	0.181	0.181	NUM
asfbr-2054	136	82	0.013	0.013	NUM
asfbr-2054	136	83	0.365	0.365	NUM
asfbr-2054	136	84	0.336	0.336	NUM
asfbr-2054	136	85	1	1	NUM
asfbr-2054	136	86	0.167	0.167	NUM
asfbr-2054	136	87	0.094	0.094	NUM
asfbr-2054	136	88	mbpr9	mbpr9	NOUN
asfbr-2054	137	1	0.101	0.101	NUM
asfbr-2054	137	2	0.235	0.235	NUM
asfbr-2054	137	3	0.276	0.276	NUM
asfbr-2054	137	4	0.24	0.24	NUM
asfbr-2054	137	5	0.106	0.106	NUM
asfbr-2054	137	6	0.272	0.272	NUM
asfbr-2054	137	7	0.227	0.227	NUM
asfbr-2054	137	8	0.167	0.167	NUM
asfbr-2054	137	9	1	1	NUM
asfbr-2054	137	10	0.261	0.261	NUM
asfbr-2054	137	11	mbpr10	mbpr10	NOUN
asfbr-2054	137	12	0.229	0.229	NUM
asfbr-2054	137	13	0.133	0.133	NUM
asfbr-2054	137	14	0.187	0.187	NUM
asfbr-2054	137	15	0.252	0.252	NUM
asfbr-2054	137	16	0.284	0.284	NUM
asfbr-2054	137	17	0.099	0.099	NUM
asfbr-2054	137	18	0.123	0.123	NUM
asfbr-2054	137	19	0.094	0.094	NUM
asfbr-2054	137	20	0.261	0.261	NUM
asfbr-2054	137	21	1	1	NUM
asfbr-2054	137	22	kabir	kabir	PROPN
asfbr-2054	137	23	&	&	CCONJ
asfbr-2054	137	24	hossain	hossain	PROPN
asfbr-2054	137	25	,	,	PUNCT
asfbr-2054	137	26	asian	asian	ADJ
asfbr-2054	137	27	finance	finance	PROPN
asfbr-2054	137	28	&	&	CCONJ
asfbr-2054	137	29	banking	banking	PROPN
asfbr-2054	137	30	review	review	NOUN
asfbr-2054	137	31	7(1	7(1	NUM
asfbr-2054	137	32	)	)	PUNCT
asfbr-2054	137	33	(	(	PUNCT
asfbr-2054	137	34	2023	2023	NUM
asfbr-2054	137	35	)	)	PUNCT
asfbr-2054	137	36	,	,	PUNCT
asfbr-2054	137	37	10	10	NUM
asfbr-2054	137	38	-	-	SYM
asfbr-2054	137	39	16	16	NUM
asfbr-2054	137	40	14	14	NUM
asfbr-2054	137	41	report	report	NOUN
asfbr-2054	137	42	of	of	ADP
asfbr-2054	137	43	the	the	DET
asfbr-2054	137	44	model	model	NOUN
asfbr-2054	137	45	summary	summary	NOUN
asfbr-2054	137	46	r	r	NOUN
asfbr-2054	137	47	=	=	SYM
asfbr-2054	137	48	0.626	0.626	NUM
asfbr-2054	137	49	implies	imply	VERB
asfbr-2054	137	50	a	a	DET
asfbr-2054	137	51	substantial	substantial	ADJ
asfbr-2054	137	52	positive	positive	ADJ
asfbr-2054	137	53	association	association	NOUN
asfbr-2054	137	54	between	between	ADP
asfbr-2054	137	55	the	the	DET
asfbr-2054	137	56	independent	independent	ADJ
asfbr-2054	137	57	and	and	CCONJ
asfbr-2054	137	58	dependent	dependent	ADJ
asfbr-2054	137	59	variables	variable	NOUN
asfbr-2054	137	60	.	.	PUNCT
asfbr-2054	138	1	r2	r2	NOUN
asfbr-2054	138	2	=	=	X
asfbr-2054	138	3	0.392	0.392	NUM
asfbr-2054	138	4	indicates	indicate	VERB
asfbr-2054	138	5	that	that	SCONJ
asfbr-2054	138	6	the	the	DET
asfbr-2054	138	7	regression	regression	NOUN
asfbr-2054	138	8	model	model	NOUN
asfbr-2054	138	9	can	can	AUX
asfbr-2054	138	10	account	account	VERB
asfbr-2054	138	11	for	for	ADP
asfbr-2054	138	12	39.2	39.2	NUM
asfbr-2054	138	13	%	%	NOUN
asfbr-2054	138	14	of	of	ADP
asfbr-2054	138	15	the	the	DET
asfbr-2054	138	16	variation	variation	NOUN
asfbr-2054	138	17	in	in	ADP
asfbr-2054	138	18	the	the	DET
asfbr-2054	138	19	dependent	dependent	ADJ
asfbr-2054	138	20	variables	variable	NOUN
asfbr-2054	138	21	.	.	PUNCT
asfbr-2054	139	1	the	the	DET
asfbr-2054	139	2	adjusted	adjust	VERB
asfbr-2054	139	3	r2	r2	NOUN
asfbr-2054	139	4	value	value	NOUN
asfbr-2054	139	5	of	of	ADP
asfbr-2054	139	6	0.37	0.37	NUM
asfbr-2054	139	7	,	,	PUNCT
asfbr-2054	139	8	or	or	CCONJ
asfbr-2054	139	9	37.8	37.8	NUM
asfbr-2054	139	10	%	%	NOUN
asfbr-2054	139	11	,	,	PUNCT
asfbr-2054	139	12	shows	show	VERB
asfbr-2054	139	13	that	that	SCONJ
asfbr-2054	139	14	adding	add	VERB
asfbr-2054	139	15	the	the	DET
asfbr-2054	139	16	other	other	ADJ
asfbr-2054	139	17	independent	independent	ADJ
asfbr-2054	139	18	variables	variable	NOUN
asfbr-2054	139	19	would	would	AUX
asfbr-2054	139	20	not	not	PART
asfbr-2054	139	21	significantly	significantly	ADV
asfbr-2054	139	22	explain	explain	VERB
asfbr-2054	139	23	the	the	DET
asfbr-2054	139	24	dependent	dependent	ADJ
asfbr-2054	139	25	variable	variable	NOUN
asfbr-2054	139	26	's	's	PART
asfbr-2054	139	27	variance	variance	NOUN
asfbr-2054	139	28	.	.	PUNCT
asfbr-2054	140	1	table	table	NOUN
asfbr-2054	140	2	4	4	NUM
asfbr-2054	140	3	.	.	PUNCT
asfbr-2054	140	4	model	model	NOUN
asfbr-2054	140	5	summary	summary	NOUN
asfbr-2054	140	6	model	model	NOUN
asfbr-2054	140	7	r	r	PROPN
asfbr-2054	140	8	r	r	NOUN
asfbr-2054	140	9	square	square	ADJ
asfbr-2054	140	10	adjusted	adjust	VERB
asfbr-2054	140	11	r	r	NOUN
asfbr-2054	140	12	square	square	ADJ
asfbr-2054	140	13	std	std	NOUN
asfbr-2054	140	14	.	.	PUNCT
asfbr-2054	141	1	error	error	NOUN
asfbr-2054	141	2	of	of	ADP
asfbr-2054	141	3	the	the	DET
asfbr-2054	141	4	estimate	estimate	NOUN
asfbr-2054	141	5	1	1	NUM
asfbr-2054	141	6	.626a	.626a	PROPN
asfbr-2054	141	7	.392	.392	NUM
asfbr-2054	141	8	.378	.378	NUM
asfbr-2054	141	9	.60133	.60133	PUNCT
asfbr-2054	141	10	a.	a.	NOUN
asfbr-2054	141	11	predictors	predictor	NOUN
asfbr-2054	141	12	:	:	PUNCT
asfbr-2054	141	13	(	(	PUNCT
asfbr-2054	141	14	constant	constant	ADJ
asfbr-2054	141	15	)	)	PUNCT
asfbr-2054	141	16	,	,	PUNCT
asfbr-2054	141	17	mbpr1	mbpr1	PROPN
asfbr-2054	141	18	,	,	PUNCT
asfbr-2054	141	19	mbpr2	mbpr2	PROPN
asfbr-2054	141	20	,	,	PUNCT
asfbr-2054	141	21	mbpr3	mbpr3	PROPN
asfbr-2054	141	22	,	,	PUNCT
asfbr-2054	141	23	mbpr4	mbpr4	PROPN
asfbr-2054	141	24	,	,	PUNCT
asfbr-2054	141	25	mbpr5	mbpr5	NOUN
asfbr-2054	141	26	,	,	PUNCT
asfbr-2054	141	27	mbpr6	mbpr6	NOUN
asfbr-2054	141	28	,	,	PUNCT
asfbr-2054	141	29	mbpr7	mbpr7	PROPN
asfbr-2054	141	30	,	,	PUNCT
asfbr-2054	141	31	mbpr8	mbpr8	PROPN
asfbr-2054	141	32	andmbpr9	andmbpr9	PROPN
asfbr-2054	141	33	hypothesis	hypothesis	NOUN
asfbr-2054	141	34	testing	test	VERB
asfbr-2054	141	35	the	the	DET
asfbr-2054	141	36	anova	anova	PROPN
asfbr-2054	141	37	table	table	NOUN
asfbr-2054	141	38	gives	give	VERB
asfbr-2054	141	39	us	we	PRON
asfbr-2054	141	40	a	a	DET
asfbr-2054	141	41	significance	significance	NOUN
asfbr-2054	141	42	level	level	NOUN
asfbr-2054	141	43	of.000	of.000	PROPN
asfbr-2054	141	44	.	.	PUNCT
asfbr-2054	142	1	because	because	SCONJ
asfbr-2054	142	2	the	the	DET
asfbr-2054	142	3	calculated	calculate	VERB
asfbr-2054	142	4	f	f	PROPN
asfbr-2054	142	5	value	value	NOUN
asfbr-2054	142	6	(	(	PUNCT
asfbr-2054	142	7	27.936	27.936	NUM
asfbr-2054	142	8	)	)	PUNCT
asfbr-2054	142	9	is	be	AUX
asfbr-2054	142	10	higher	high	ADJ
asfbr-2054	142	11	than	than	ADP
asfbr-2054	142	12	the	the	DET
asfbr-2054	142	13	critical	critical	ADJ
asfbr-2054	142	14	f	f	NOUN
asfbr-2054	142	15	value	value	NOUN
asfbr-2054	142	16	at	at	ADP
asfbr-2054	142	17	a	a	DET
asfbr-2054	142	18	5	5	NUM
asfbr-2054	142	19	%	%	NOUN
asfbr-2054	142	20	significance	significance	NOUN
asfbr-2054	142	21	level	level	NOUN
asfbr-2054	142	22	.	.	PUNCT
asfbr-2054	143	1	this	this	DET
asfbr-2054	143	2	conclusion	conclusion	NOUN
asfbr-2054	143	3	suggests	suggest	VERB
asfbr-2054	143	4	a	a	DET
asfbr-2054	143	5	substantial	substantial	ADJ
asfbr-2054	143	6	link	link	NOUN
asfbr-2054	143	7	between	between	ADP
asfbr-2054	143	8	the	the	DET
asfbr-2054	143	9	dependent	dependent	ADJ
asfbr-2054	143	10	and	and	CCONJ
asfbr-2054	143	11	independent	independent	ADJ
asfbr-2054	143	12	variables	variable	NOUN
asfbr-2054	143	13	.	.	PUNCT
asfbr-2054	144	1	as	as	ADP
asfbr-2054	144	2	a	a	DET
asfbr-2054	144	3	result	result	NOUN
asfbr-2054	144	4	,	,	PUNCT
asfbr-2054	144	5	mobile	mobile	ADJ
asfbr-2054	144	6	banking	banking	NOUN
asfbr-2054	144	7	promotes	promote	VERB
asfbr-2054	144	8	a	a	DET
asfbr-2054	144	9	positive	positive	ADJ
asfbr-2054	144	10	regulatory	regulatory	ADJ
asfbr-2054	144	11	environment	environment	NOUN
asfbr-2054	144	12	impacted	impact	VERB
asfbr-2054	144	13	mainly	mainly	ADV
asfbr-2054	144	14	by	by	ADP
asfbr-2054	144	15	independent	independent	ADJ
asfbr-2054	144	16	factors	factor	NOUN
asfbr-2054	144	17	.	.	PUNCT
asfbr-2054	145	1	this	this	DET
asfbr-2054	145	2	observation	observation	NOUN
asfbr-2054	145	3	lends	lend	VERB
asfbr-2054	145	4	credence	credence	NOUN
asfbr-2054	145	5	to	to	ADP
asfbr-2054	145	6	the	the	DET
asfbr-2054	145	7	rejection	rejection	NOUN
asfbr-2054	145	8	of	of	ADP
asfbr-2054	145	9	the	the	DET
asfbr-2054	145	10	null	null	ADJ
asfbr-2054	145	11	hypothesis	hypothesis	NOUN
asfbr-2054	145	12	.	.	PUNCT
asfbr-2054	146	1	the	the	DET
asfbr-2054	146	2	acceptance	acceptance	NOUN
asfbr-2054	146	3	of	of	ADP
asfbr-2054	146	4	the	the	DET
asfbr-2054	146	5	alternative	alternative	ADJ
asfbr-2054	146	6	hypothesis	hypothesis	NOUN
asfbr-2054	146	7	shows	show	VERB
asfbr-2054	146	8	the	the	DET
asfbr-2054	146	9	rejection	rejection	NOUN
asfbr-2054	146	10	of	of	ADP
asfbr-2054	146	11	the	the	DET
asfbr-2054	146	12	null	null	ADJ
asfbr-2054	146	13	hypothesis	hypothesis	NOUN
asfbr-2054	146	14	.	.	PUNCT
asfbr-2054	147	1	table	table	NOUN
asfbr-2054	147	2	5	5	NUM
asfbr-2054	147	3	.	.	PUNCT
asfbr-2054	147	4	anovaa	anovaa	PROPN
asfbr-2054	147	5	model	model	PROPN
asfbr-2054	147	6	sum	sum	PROPN
asfbr-2054	147	7	of	of	ADP
asfbr-2054	147	8	squares	square	NOUN
asfbr-2054	147	9	df	df	PROPN
asfbr-2054	147	10	mean	mean	PROPN
asfbr-2054	147	11	square	square	PROPN
asfbr-2054	147	12	f	f	PROPN
asfbr-2054	147	13	sig	sig	PROPN
asfbr-2054	147	14	.	.	PUNCT
asfbr-2054	148	1	regression	regression	VERB
asfbr-2054	148	2	residual	residual	ADJ
asfbr-2054	148	3	total	total	ADJ
asfbr-2054	148	4	90.914	90.914	NUM
asfbr-2054	148	5	141.024	141.024	NUM
asfbr-2054	148	6	231.938	231.938	NUM
asfbr-2054	148	7	9	9	NUM
asfbr-2054	148	8	390	390	NUM
asfbr-2054	148	9	399	399	NUM
asfbr-2054	148	10	10.102	10.102	NUM
asfbr-2054	148	11	.362	.362	NUM
asfbr-2054	148	12	27.936	27.936	NUM
asfbr-2054	148	13	.000b	.000b	PROPN
asfbr-2054	148	14	a.	a.	NOUN
asfbr-2054	148	15	dependent	dependent	ADJ
asfbr-2054	148	16	variable	variable	NOUN
asfbr-2054	148	17	:	:	PUNCT
asfbr-2054	148	18	(	(	PUNCT
asfbr-2054	148	19	mbpr10	mbpr10	INTJ
asfbr-2054	148	20	)	)	PUNCT
asfbr-2054	148	21	proper	proper	ADJ
asfbr-2054	148	22	implementation	implementation	NOUN
asfbr-2054	148	23	mbs	mbs	NOUN
asfbr-2054	148	24	policy	policy	NOUN
asfbr-2054	148	25	and	and	CCONJ
asfbr-2054	148	26	regulation	regulation	NOUN
asfbr-2054	148	27	2018	2018	NUM
asfbr-2054	148	28	would	would	AUX
asfbr-2054	148	29	ensure	ensure	VERB
asfbr-2054	148	30	the	the	DET
asfbr-2054	148	31	enable	enable	ADJ
asfbr-2054	148	32	environment	environment	NOUN
asfbr-2054	148	33	for	for	ADP
asfbr-2054	148	34	mobile	mobile	ADJ
asfbr-2054	148	35	banking	banking	NOUN
asfbr-2054	148	36	transaction	transaction	NOUN
asfbr-2054	148	37	.	.	PUNCT
asfbr-2054	149	1	regression	regression	NOUN
asfbr-2054	149	2	of	of	ADP
asfbr-2054	149	3	coefficient	coefficient	NOUN
asfbr-2054	149	4	among	among	ADP
asfbr-2054	149	5	the	the	DET
asfbr-2054	149	6	nine	nine	NUM
asfbr-2054	149	7	independent	independent	ADJ
asfbr-2054	149	8	variables	variable	NOUN
asfbr-2054	149	9	regarding	regard	VERB
asfbr-2054	149	10	mobile	mobile	ADJ
asfbr-2054	149	11	banking	banking	NOUN
asfbr-2054	149	12	policy	policy	NOUN
asfbr-2054	149	13	and	and	CCONJ
asfbr-2054	149	14	regulation	regulation	NOUN
asfbr-2054	149	15	,	,	PUNCT
asfbr-2054	149	16	it	it	PRON
asfbr-2054	149	17	found	find	VERB
asfbr-2054	149	18	from	from	ADP
asfbr-2054	149	19	the	the	DET
asfbr-2054	149	20	below	below	ADJ
asfbr-2054	149	21	coefficient	coefficient	NOUN
asfbr-2054	149	22	table	table	NOUN
asfbr-2054	149	23	3	3	NUM
asfbr-2054	149	24	that	that	DET
asfbr-2054	149	25	mbpr1	mbpr1	NOUN
asfbr-2054	149	26	(	(	PUNCT
asfbr-2054	149	27	.00	.00	NUM
asfbr-2054	149	28	)	)	PUNCT
asfbr-2054	149	29	,	,	PUNCT
asfbr-2054	149	30	mbpr4	mbpr4	NOUN
asfbr-2054	149	31	(	(	PUNCT
asfbr-2054	149	32	.00	.00	NUM
asfbr-2054	149	33	)	)	PUNCT
asfbr-2054	149	34	,	,	PUNCT
asfbr-2054	149	35	mbpr9	mbpr9	NOUN
asfbr-2054	149	36	(	(	PUNCT
asfbr-2054	149	37	.008	.008	NUM
asfbr-2054	149	38	)	)	PUNCT
asfbr-2054	149	39	,	,	PUNCT
asfbr-2054	149	40	and	and	CCONJ
asfbr-2054	149	41	mbpr3	mbpr3	NOUN
asfbr-2054	149	42	are	be	AUX
asfbr-2054	149	43	highly	highly	ADV
asfbr-2054	149	44	significant	significant	ADJ
asfbr-2054	149	45	than	than	ADP
asfbr-2054	149	46	the	the	DET
asfbr-2054	149	47	other	other	ADJ
asfbr-2054	149	48	five	five	NUM
asfbr-2054	149	49	independent	independent	ADJ
asfbr-2054	149	50	variables	variable	NOUN
asfbr-2054	149	51	.	.	PUNCT
asfbr-2054	150	1	it	it	PRON
asfbr-2054	150	2	has	have	AUX
asfbr-2054	150	3	been	be	AUX
asfbr-2054	150	4	clear	clear	ADJ
asfbr-2054	150	5	from	from	ADP
asfbr-2054	150	6	the	the	DET
asfbr-2054	150	7	above	above	ADJ
asfbr-2054	150	8	analyses	analysis	NOUN
asfbr-2054	150	9	that	that	SCONJ
asfbr-2054	150	10	the	the	DET
asfbr-2054	150	11	mobile	mobile	ADJ
asfbr-2054	150	12	banking	banking	NOUN
asfbr-2054	150	13	regulatory	regulatory	ADJ
asfbr-2054	150	14	policy	policy	NOUN
asfbr-2054	150	15	is	be	AUX
asfbr-2054	150	16	highly	highly	ADV
asfbr-2054	150	17	responsible	responsible	ADJ
asfbr-2054	150	18	for	for	ADP
asfbr-2054	150	19	creating	create	VERB
asfbr-2054	150	20	enable	enable	ADJ
asfbr-2054	150	21	regulatory	regulatory	ADJ
asfbr-2054	150	22	environment	environment	NOUN
asfbr-2054	150	23	for	for	ADP
asfbr-2054	150	24	secure	secure	ADJ
asfbr-2054	150	25	mobile	mobile	ADJ
asfbr-2054	150	26	banking	banking	NOUN
asfbr-2054	150	27	transactions	transaction	NOUN
asfbr-2054	150	28	.	.	PUNCT
asfbr-2054	151	1	table	table	NOUN
asfbr-2054	151	2	6	6	NUM
asfbr-2054	151	3	.	.	PUNCT
asfbr-2054	152	1	beta	beta	ADJ
asfbr-2054	152	2	coefficients	coefficient	NOUN
asfbr-2054	152	3	beta	beta	ADJ
asfbr-2054	152	4	coefficients	coefficient	NOUN
asfbr-2054	152	5	model	model	VERB
asfbr-2054	152	6	unstandardized	unstandardized	ADJ
asfbr-2054	152	7	coefficients	coefficient	NOUN
asfbr-2054	152	8	standardized	standardize	VERB
asfbr-2054	152	9	coefficients	coefficient	NOUN
asfbr-2054	152	10	t	t	PROPN
asfbr-2054	152	11	sig	sig	PROPN
asfbr-2054	152	12	.	.	PUNCT
asfbr-2054	153	1	b	b	X
asfbr-2054	153	2	std	std	PROPN
asfbr-2054	153	3	.	.	NOUN
asfbr-2054	153	4	error	error	NOUN
asfbr-2054	153	5	beta	beta	NOUN
asfbr-2054	153	6	1	1	NUM
asfbr-2054	153	7	mbpr1	mbpr1	NOUN
asfbr-2054	153	8	mbpr2	mbpr2	NOUN
asfbr-2054	153	9	mbpr3	mbpr3	PROPN
asfbr-2054	153	10	mbpr4	mbpr4	PROPN
asfbr-2054	154	1	mbpr5	mbpr5	NOUN
asfbr-2054	154	2	mbpr6	mbpr6	NOUN
asfbr-2054	154	3	mbpr7	mbpr7	PROPN
asfbr-2054	154	4	mbpr8	mbpr8	PROPN
asfbr-2054	154	5	mbpr9	mbpr9	PROPN
asfbr-2054	154	6	(	(	PUNCT
asfbr-2054	154	7	constant	constant	ADJ
asfbr-2054	154	8	)	)	PUNCT
asfbr-2054	154	9	1.41	1.41	NUM
asfbr-2054	154	10	3	3	NUM
asfbr-2054	154	11	.358	.358	NUM
asfbr-2054	154	12	3.951	3.951	NUM
asfbr-2054	154	13	.000	.000	NUM
asfbr-2054	154	14	the	the	DET
asfbr-2054	154	15	mobile	mobile	ADJ
asfbr-2054	154	16	financial	financial	ADJ
asfbr-2054	154	17	services	service	NOUN
asfbr-2054	154	18	offered	offer	VERB
asfbr-2054	154	19	diversified	diversify	VERB
asfbr-2054	154	20	banking	banking	NOUN
asfbr-2054	154	21	products	product	NOUN
asfbr-2054	154	22	and	and	CCONJ
asfbr-2054	154	23	services	service	NOUN
asfbr-2054	154	24	.	.	PUNCT
asfbr-2054	155	1	0.46	0.46	NUM
asfbr-2054	155	2	.050	.050	NUM
asfbr-2054	155	3	0.43	0.43	NUM
asfbr-2054	155	4	9.11	9.11	NUM
asfbr-2054	155	5	.000	.000	NUM
asfbr-2054	155	6	the	the	DET
asfbr-2054	155	7	present	present	ADJ
asfbr-2054	155	8	mobile	mobile	ADJ
asfbr-2054	155	9	banking	banking	NOUN
asfbr-2054	155	10	policy	policy	NOUN
asfbr-2054	155	11	and	and	CCONJ
asfbr-2054	155	12	regulation	regulation	NOUN
asfbr-2054	155	13	has	have	AUX
asfbr-2054	155	14	digitized	digitize	VERB
asfbr-2054	155	15	and	and	CCONJ
asfbr-2054	155	16	simplified	simplify	VERB
asfbr-2054	155	17	the	the	DET
asfbr-2054	155	18	kyc	kyc	PROPN
asfbr-2054	155	19	process	process	NOUN
asfbr-2054	155	20	for	for	ADP
asfbr-2054	155	21	opening	open	VERB
asfbr-2054	155	22	a	a	DET
asfbr-2054	155	23	mobile	mobile	ADJ
asfbr-2054	155	24	bank	bank	NOUN
asfbr-2054	155	25	account	account	NOUN
asfbr-2054	155	26	.067	.067	NUM
asfbr-2054	155	27	.069	.069	NUM
asfbr-2054	155	28	.054	.054	NUM
asfbr-2054	155	29	.976	.976	NUM
asfbr-2054	155	30	.330	.330	NUM
asfbr-2054	155	31	the	the	DET
asfbr-2054	155	32	present	present	NOUN
asfbr-2054	155	33	mb	mb	ADP
asfbr-2054	155	34	regulatory	regulatory	ADJ
asfbr-2054	155	35	policy	policy	NOUN
asfbr-2054	155	36	simplify	simplify	VERB
asfbr-2054	155	37	the	the	DET
asfbr-2054	155	38	agent	agent	NOUN
asfbr-2054	155	39	requirement	requirement	NOUN
asfbr-2054	155	40	process	process	NOUN
asfbr-2054	155	41	and	and	CCONJ
asfbr-2054	155	42	ensure	ensure	VERB
asfbr-2054	155	43	the	the	DET
asfbr-2054	155	44	agent	agent	NOUN
asfbr-2054	155	45	availability	availability	NOUN
asfbr-2054	155	46	.	.	PUNCT
asfbr-2054	155	47	.072	.072	NUM
asfbr-2054	155	48	.056	.056	NUM
asfbr-2054	155	49	.062	.062	NUM
asfbr-2054	155	50	2.274	2.274	NUM
asfbr-2054	155	51	.203	.203	NUM
asfbr-2054	155	52	the	the	DET
asfbr-2054	155	53	present	present	ADJ
asfbr-2054	155	54	mobile	mobile	ADJ
asfbr-2054	155	55	banking	banking	NOUN
asfbr-2054	155	56	regulation	regulation	NOUN
asfbr-2054	155	57	ensure	ensure	VERB
asfbr-2054	155	58	supervision	supervision	NOUN
asfbr-2054	155	59	and	and	CCONJ
asfbr-2054	155	60	control	control	NOUN
asfbr-2054	155	61	of	of	ADP
asfbr-2054	155	62	this	this	DET
asfbr-2054	155	63	services	service	NOUN
asfbr-2054	155	64	and	and	CCONJ
asfbr-2054	155	65	agents	agent	NOUN
asfbr-2054	155	66	activities	activity	NOUN
asfbr-2054	155	67	.	.	PUNCT
asfbr-2054	156	1	.573	.573	NUM
asfbr-2054	156	2	.044	.044	NUM
asfbr-2054	157	1	.575	.575	NUM
asfbr-2054	157	2	12.994	12.994	NUM
asfbr-2054	157	3	.000	.000	NUM
asfbr-2054	157	4	transaction	transaction	NOUN
asfbr-2054	157	5	limit	limit	NOUN
asfbr-2054	157	6	policy	policy	NOUN
asfbr-2054	157	7	for	for	ADP
asfbr-2054	157	8	individual	individual	ADJ
asfbr-2054	157	9	users	user	NOUN
asfbr-2054	157	10	reduced	reduce	VERB
asfbr-2054	157	11	the	the	DET
asfbr-2054	157	12	abuse	abuse	NOUN
asfbr-2054	157	13	of	of	ADP
asfbr-2054	157	14	this	this	DET
asfbr-2054	157	15	services	service	NOUN
asfbr-2054	157	16	.	.	PUNCT
asfbr-2054	158	1	.037	.037	NUM
asfbr-2054	158	2	.061	.061	NUM
asfbr-2054	159	1	-.030	-.030	NOUN
asfbr-2054	159	2	-.606	-.606	NOUN
asfbr-2054	159	3	.545	.545	NUM
asfbr-2054	159	4	the	the	DET
asfbr-2054	159	5	mobile	mobile	ADJ
asfbr-2054	159	6	banking	banking	NOUN
asfbr-2054	159	7	regulation	regulation	NOUN
asfbr-2054	159	8	2018	2018	NUM
asfbr-2054	159	9	and	and	CCONJ
asfbr-2054	159	10	digital	digital	ADJ
asfbr-2054	159	11	security	security	NOUN
asfbr-2054	159	12	law	law	NOUN
asfbr-2054	159	13	2018	2018	NUM
asfbr-2054	159	14	properly	properly	ADV
asfbr-2054	159	15	address	address	VERB
asfbr-2054	159	16	the	the	DET
asfbr-2054	159	17	aml	aml	PROPN
asfbr-2054	159	18	issues	issue	NOUN
asfbr-2054	159	19	.007	.007	NUM
asfbr-2054	159	20	.063	.063	NUM
asfbr-2054	160	1	-.005	-.005	PROPN
asfbr-2054	160	2	-.106	-.106	X
asfbr-2054	160	3	.915	.915	NUM
asfbr-2054	160	4	the	the	DET
asfbr-2054	160	5	present	present	ADJ
asfbr-2054	160	6	regulation	regulation	NOUN
asfbr-2054	160	7	encourage	encourage	VERB
asfbr-2054	160	8	to	to	ADP
asfbr-2054	160	9	the	the	DET
asfbr-2054	160	10	victims	victim	NOUN
asfbr-2054	160	11	for	for	ADP
asfbr-2054	160	12	taking	take	VERB
asfbr-2054	160	13	legal	legal	ADJ
asfbr-2054	160	14	action	action	NOUN
asfbr-2054	160	15	against	against	ADP
asfbr-2054	160	16	the	the	DET
asfbr-2054	160	17	money	money	NOUN
asfbr-2054	160	18	fraud	fraud	NOUN
asfbr-2054	160	19	.	.	PUNCT
asfbr-2054	161	1	.008	.008	NUM
asfbr-2054	162	1	.056	.056	NUM
asfbr-2054	162	2	-.006	-.006	PROPN
asfbr-2054	162	3	-.142	-.142	PROPN
asfbr-2054	162	4	.887	.887	NUM
asfbr-2054	162	5	the	the	DET
asfbr-2054	162	6	provision	provision	NOUN
asfbr-2054	162	7	of	of	ADP
asfbr-2054	162	8	punishment	punishment	NOUN
asfbr-2054	162	9	for	for	ADP
asfbr-2054	162	10	mb	mb	ADP
asfbr-2054	162	11	illegal	illegal	ADJ
asfbr-2054	162	12	transaction	transaction	NOUN
asfbr-2054	162	13	reduce	reduce	VERB
asfbr-2054	162	14	the	the	DET
asfbr-2054	162	15	abuse	abuse	NOUN
asfbr-2054	162	16	of	of	ADP
asfbr-2054	162	17	mb	mb	ADP
asfbr-2054	162	18	activity	activity	NOUN
asfbr-2054	162	19	.026	.026	NUM
asfbr-2054	162	20	.056	.056	NUM
asfbr-2054	162	21	.020	.020	NUM
asfbr-2054	162	22	.459	.459	NUM
asfbr-2054	162	23	.646	.646	NUM
asfbr-2054	163	1	the	the	DET
asfbr-2054	163	2	present	present	ADJ
asfbr-2054	163	3	mobile	mobile	ADJ
asfbr-2054	163	4	banking	banking	NOUN
asfbr-2054	163	5	regulation	regulation	NOUN
asfbr-2054	163	6	increases	increase	VERB
asfbr-2054	163	7	the	the	DET
asfbr-2054	163	8	customer	customer	NOUN
asfbr-2054	163	9	confidence	confidence	NOUN
asfbr-2054	163	10	level	level	NOUN
asfbr-2054	163	11	about	about	ADP
asfbr-2054	163	12	mobile	mobile	ADJ
asfbr-2054	163	13	banking	banking	NOUN
asfbr-2054	163	14	transactions	transaction	NOUN
asfbr-2054	163	15	.	.	PUNCT
asfbr-2054	164	1	0.40	0.40	NUM
asfbr-2054	164	2	0.39	0.39	NUM
asfbr-2054	164	3	0.45	0.45	NUM
asfbr-2054	164	4	4.042	4.042	NUM
asfbr-2054	164	5	.008	.008	NUM
asfbr-2054	164	6	a.	a.	NOUN
asfbr-2054	164	7	dependent	dependent	ADJ
asfbr-2054	164	8	variable	variable	NOUN
asfbr-2054	164	9	:	:	PUNCT
asfbr-2054	164	10	(	(	PUNCT
asfbr-2054	164	11	mbpr10	mbpr10	INTJ
asfbr-2054	164	12	)	)	PUNCT
asfbr-2054	164	13	proper	proper	ADJ
asfbr-2054	164	14	implementation	implementation	NOUN
asfbr-2054	164	15	mbs	mbs	NOUN
asfbr-2054	164	16	policy	policy	NOUN
asfbr-2054	164	17	and	and	CCONJ
asfbr-2054	164	18	regulation	regulation	NOUN
asfbr-2054	164	19	2018	2018	NUM
asfbr-2054	164	20	would	would	AUX
asfbr-2054	164	21	ensure	ensure	VERB
asfbr-2054	164	22	the	the	DET
asfbr-2054	164	23	enable	enable	ADJ
asfbr-2054	164	24	favorable	favorable	ADJ
asfbr-2054	164	25	environment	environment	NOUN
asfbr-2054	164	26	for	for	ADP
asfbr-2054	164	27	mobile	mobile	ADJ
asfbr-2054	164	28	banking	banking	NOUN
asfbr-2054	164	29	transaction	transaction	NOUN
asfbr-2054	164	30	.	.	PUNCT
asfbr-2054	165	1	conclusions	conclusion	NOUN
asfbr-2054	165	2	a	a	DET
asfbr-2054	165	3	supportive	supportive	ADJ
asfbr-2054	165	4	policy	policy	NOUN
asfbr-2054	165	5	and	and	CCONJ
asfbr-2054	165	6	regulatory	regulatory	ADJ
asfbr-2054	165	7	system	system	NOUN
asfbr-2054	165	8	are	be	AUX
asfbr-2054	165	9	essential	essential	ADJ
asfbr-2054	165	10	for	for	ADP
asfbr-2054	165	11	propelling	propel	VERB
asfbr-2054	165	12	these	these	DET
asfbr-2054	165	13	services	service	NOUN
asfbr-2054	165	14	.	.	PUNCT
asfbr-2054	166	1	consistent	consistent	ADJ
asfbr-2054	166	2	with	with	ADP
asfbr-2054	166	3	national	national	ADJ
asfbr-2054	166	4	financial	financial	ADJ
asfbr-2054	166	5	inclusion	inclusion	NOUN
asfbr-2054	166	6	strategies	strategy	NOUN
asfbr-2054	166	7	,	,	PUNCT
asfbr-2054	166	8	the	the	DET
asfbr-2054	166	9	country	country	NOUN
asfbr-2054	166	10	has	have	AUX
asfbr-2054	166	11	developed	develop	VERB
asfbr-2054	166	12	mobile	mobile	ADJ
asfbr-2054	166	13	banking	banking	NOUN
asfbr-2054	166	14	policy	policy	NOUN
asfbr-2054	166	15	guidelines	guideline	NOUN
asfbr-2054	166	16	and	and	CCONJ
asfbr-2054	166	17	regulations	regulation	NOUN
asfbr-2054	166	18	to	to	PART
asfbr-2054	166	19	ensure	ensure	VERB
asfbr-2054	166	20	a	a	DET
asfbr-2054	166	21	favorable	favorable	ADJ
asfbr-2054	166	22	legal	legal	ADJ
asfbr-2054	166	23	kabir	kabir	PROPN
asfbr-2054	166	24	&	&	CCONJ
asfbr-2054	166	25	hossain	hossain	PROPN
asfbr-2054	166	26	,	,	PUNCT
asfbr-2054	166	27	asian	asian	ADJ
asfbr-2054	166	28	finance	finance	PROPN
asfbr-2054	166	29	&	&	CCONJ
asfbr-2054	166	30	banking	banking	PROPN
asfbr-2054	166	31	review	review	NOUN
asfbr-2054	166	32	7(1	7(1	NUM
asfbr-2054	166	33	)	)	PUNCT
asfbr-2054	166	34	(	(	PUNCT
asfbr-2054	166	35	2023	2023	NUM
asfbr-2054	166	36	)	)	PUNCT
asfbr-2054	166	37	,	,	PUNCT
asfbr-2054	166	38	10	10	NUM
asfbr-2054	166	39	-	-	SYM
asfbr-2054	166	40	16	16	NUM
asfbr-2054	166	41	15	15	NUM
asfbr-2054	166	42	environment	environment	NOUN
asfbr-2054	166	43	to	to	PART
asfbr-2054	166	44	attain	attain	VERB
asfbr-2054	166	45	the	the	DET
asfbr-2054	166	46	sustainable	sustainable	ADJ
asfbr-2054	166	47	financial	financial	ADJ
asfbr-2054	166	48	inclusion	inclusion	NOUN
asfbr-2054	166	49	goal	goal	NOUN
asfbr-2054	166	50	.	.	PUNCT
asfbr-2054	167	1	the	the	DET
asfbr-2054	167	2	mobile	mobile	ADJ
asfbr-2054	167	3	banking	banking	NOUN
asfbr-2054	167	4	regulatory	regulatory	ADJ
asfbr-2054	167	5	policy	policy	NOUN
asfbr-2054	167	6	balances	balance	VERB
asfbr-2054	167	7	the	the	DET
asfbr-2054	167	8	mobile	mobile	ADJ
asfbr-2054	167	9	money	money	NOUN
asfbr-2054	167	10	market	market	NOUN
asfbr-2054	167	11	by	by	ADP
asfbr-2054	167	12	ensuring	ensure	VERB
asfbr-2054	167	13	the	the	DET
asfbr-2054	167	14	safety	safety	NOUN
asfbr-2054	167	15	,	,	PUNCT
asfbr-2054	167	16	security	security	NOUN
asfbr-2054	167	17	,	,	PUNCT
asfbr-2054	167	18	availability	availability	NOUN
asfbr-2054	167	19	,	,	PUNCT
asfbr-2054	167	20	and	and	CCONJ
asfbr-2054	167	21	accessibility	accessibility	NOUN
asfbr-2054	167	22	of	of	ADP
asfbr-2054	167	23	these	these	DET
asfbr-2054	167	24	services	service	NOUN
asfbr-2054	167	25	to	to	ADP
asfbr-2054	167	26	all	all	DET
asfbr-2054	167	27	users	user	NOUN
asfbr-2054	167	28	.	.	PUNCT
asfbr-2054	168	1	the	the	DET
asfbr-2054	168	2	mobile	mobile	ADJ
asfbr-2054	168	3	banking	banking	NOUN
asfbr-2054	168	4	regulatory	regulatory	ADJ
asfbr-2054	168	5	index	index	NOUN
asfbr-2054	168	6	value	value	NOUN
asfbr-2054	168	7	,	,	PUNCT
asfbr-2054	168	8	regression	regression	VERB
asfbr-2054	168	9	analysis	analysis	NOUN
asfbr-2054	168	10	results	result	NOUN
asfbr-2054	168	11	,	,	PUNCT
asfbr-2054	168	12	and	and	CCONJ
asfbr-2054	168	13	expert	expert	NOUN
asfbr-2054	168	14	opinions	opinion	NOUN
asfbr-2054	168	15	supported	support	VERB
asfbr-2054	168	16	the	the	DET
asfbr-2054	168	17	idea	idea	NOUN
asfbr-2054	168	18	that	that	SCONJ
asfbr-2054	168	19	the	the	DET
asfbr-2054	168	20	present	present	ADJ
asfbr-2054	168	21	regulatory	regulatory	ADJ
asfbr-2054	168	22	policy	policy	NOUN
asfbr-2054	168	23	can	can	AUX
asfbr-2054	168	24	create	create	VERB
asfbr-2054	168	25	an	an	DET
asfbr-2054	168	26	enabling	enable	VERB
asfbr-2054	168	27	regulatory	regulatory	ADJ
asfbr-2054	168	28	environment	environment	NOUN
asfbr-2054	168	29	for	for	ADP
asfbr-2054	168	30	mobile	mobile	ADJ
asfbr-2054	168	31	banking	banking	NOUN
asfbr-2054	168	32	transactions	transaction	NOUN
asfbr-2054	168	33	.	.	PUNCT
asfbr-2054	169	1	the	the	DET
asfbr-2054	169	2	present	present	ADJ
asfbr-2054	169	3	regulatory	regulatory	ADJ
asfbr-2054	169	4	policy	policy	NOUN
asfbr-2054	169	5	implementation	implementation	NOUN
asfbr-2054	169	6	increased	increase	VERB
asfbr-2054	169	7	customer	customer	NOUN
asfbr-2054	169	8	confidence	confidence	NOUN
asfbr-2054	169	9	levels	level	NOUN
asfbr-2054	169	10	and	and	CCONJ
asfbr-2054	169	11	made	make	VERB
asfbr-2054	169	12	mobile	mobile	ADJ
asfbr-2054	169	13	banking	banking	NOUN
asfbr-2054	169	14	transactions	transaction	NOUN
asfbr-2054	169	15	more	more	ADV
asfbr-2054	169	16	stable	stable	ADJ
asfbr-2054	169	17	,	,	PUNCT
asfbr-2054	169	18	which	which	PRON
asfbr-2054	169	19	led	lead	VERB
asfbr-2054	169	20	to	to	ADP
asfbr-2054	169	21	financial	financial	ADJ
asfbr-2054	169	22	inclusion	inclusion	NOUN
asfbr-2054	169	23	in	in	ADP
asfbr-2054	169	24	bangladesh	bangladesh	NOUN
asfbr-2054	169	25	.	.	PUNCT
asfbr-2054	170	1	however	however	ADV
asfbr-2054	170	2	,	,	PUNCT
asfbr-2054	170	3	this	this	DET
asfbr-2054	170	4	study	study	NOUN
asfbr-2054	170	5	has	have	VERB
asfbr-2054	170	6	some	some	DET
asfbr-2054	170	7	limitations	limitation	NOUN
asfbr-2054	170	8	regarding	regard	VERB
asfbr-2054	170	9	the	the	DET
asfbr-2054	170	10	sample	sample	NOUN
asfbr-2054	170	11	size	size	NOUN
asfbr-2054	170	12	,	,	PUNCT
asfbr-2054	170	13	data	datum	NOUN
asfbr-2054	170	14	collection	collection	NOUN
asfbr-2054	170	15	methods	method	NOUN
asfbr-2054	170	16	,	,	PUNCT
asfbr-2054	170	17	and	and	CCONJ
asfbr-2054	170	18	analysis	analysis	NOUN
asfbr-2054	170	19	.	.	PUNCT
asfbr-2054	171	1	the	the	DET
asfbr-2054	171	2	400	400	NUM
asfbr-2054	171	3	sample	sample	NOUN
asfbr-2054	171	4	respondents	respondent	NOUN
asfbr-2054	171	5	did	do	AUX
asfbr-2054	171	6	not	not	PART
asfbr-2054	171	7	represent	represent	VERB
asfbr-2054	171	8	all	all	DET
asfbr-2054	171	9	occupational	occupational	ADJ
asfbr-2054	171	10	groupings	grouping	NOUN
asfbr-2054	171	11	.	.	PUNCT
asfbr-2054	172	1	in	in	ADP
asfbr-2054	172	2	-	-	PUNCT
asfbr-2054	172	3	depth	depth	NOUN
asfbr-2054	172	4	interviews	interview	NOUN
asfbr-2054	172	5	and	and	CCONJ
asfbr-2054	172	6	focused	focused	ADJ
asfbr-2054	172	7	group	group	NOUN
asfbr-2054	172	8	discussions	discussion	NOUN
asfbr-2054	172	9	were	be	AUX
asfbr-2054	172	10	not	not	PART
asfbr-2054	172	11	utilized	utilize	VERB
asfbr-2054	172	12	in	in	ADP
asfbr-2054	172	13	this	this	DET
asfbr-2054	172	14	study	study	NOUN
asfbr-2054	172	15	.	.	PUNCT
asfbr-2054	173	1	additionally	additionally	ADV
asfbr-2054	173	2	,	,	PUNCT
asfbr-2054	173	3	quantitative	quantitative	ADJ
asfbr-2054	173	4	analysis	analysis	NOUN
asfbr-2054	173	5	was	be	AUX
asfbr-2054	173	6	performed	perform	VERB
asfbr-2054	173	7	using	use	VERB
asfbr-2054	173	8	solely	solely	ADV
asfbr-2054	173	9	user	user	NOUN
asfbr-2054	173	10	perceptions	perception	NOUN
asfbr-2054	173	11	.	.	PUNCT
asfbr-2054	174	1	these	these	DET
asfbr-2054	174	2	limitations	limitation	NOUN
asfbr-2054	174	3	open	open	VERB
asfbr-2054	174	4	the	the	DET
asfbr-2054	174	5	door	door	NOUN
asfbr-2054	174	6	for	for	ADP
asfbr-2054	174	7	future	future	ADJ
asfbr-2054	174	8	research	research	NOUN
asfbr-2054	174	9	.	.	PUNCT
asfbr-2054	175	1	therefore	therefore	ADV
asfbr-2054	175	2	,	,	PUNCT
asfbr-2054	175	3	future	future	ADJ
asfbr-2054	175	4	research	research	NOUN
asfbr-2054	175	5	can	can	AUX
asfbr-2054	175	6	include	include	VERB
asfbr-2054	175	7	more	more	ADJ
asfbr-2054	175	8	research	research	NOUN
asfbr-2054	175	9	areas	area	NOUN
asfbr-2054	175	10	,	,	PUNCT
asfbr-2054	175	11	a	a	DET
asfbr-2054	175	12	larger	large	ADJ
asfbr-2054	175	13	sample	sample	NOUN
asfbr-2054	175	14	from	from	ADP
asfbr-2054	175	15	more	more	ADJ
asfbr-2054	175	16	occupational	occupational	ADJ
asfbr-2054	175	17	groups	group	NOUN
asfbr-2054	175	18	,	,	PUNCT
asfbr-2054	175	19	and	and	CCONJ
asfbr-2054	175	20	use	use	VERB
asfbr-2054	175	21	fgd	fgd	PROPN
asfbr-2054	175	22	and	and	CCONJ
asfbr-2054	175	23	idi	idi	PROPN
asfbr-2054	175	24	as	as	ADP
asfbr-2054	175	25	data	data	NOUN
asfbr-2054	175	26	collection	collection	NOUN
asfbr-2054	175	27	tools	tool	NOUN
asfbr-2054	175	28	to	to	PART
asfbr-2054	175	29	obtain	obtain	VERB
asfbr-2054	175	30	reliable	reliable	ADJ
asfbr-2054	175	31	and	and	CCONJ
asfbr-2054	175	32	accurate	accurate	ADJ
asfbr-2054	175	33	results	result	NOUN
asfbr-2054	175	34	.	.	PUNCT
asfbr-2054	176	1	author	author	NOUN
asfbr-2054	176	2	contributions	contribution	NOUN
asfbr-2054	176	3	:	:	PUNCT
asfbr-2054	176	4	conceptualization	conceptualization	NOUN
asfbr-2054	176	5	,	,	PUNCT
asfbr-2054	176	6	m.r.k	m.r.k	ADJ
asfbr-2054	176	7	.	.	PUNCT
asfbr-2054	177	1	and	and	CCONJ
asfbr-2054	177	2	m.a.h	m.a.h	PROPN
asfbr-2054	177	3	.	.	PROPN
asfbr-2054	177	4	;	;	PUNCT
asfbr-2054	177	5	methodology	methodology	NOUN
asfbr-2054	177	6	,	,	PUNCT
asfbr-2054	177	7	m.r.k	m.r.k	ADJ
asfbr-2054	177	8	.	.	PUNCT
asfbr-2054	178	1	and	and	CCONJ
asfbr-2054	178	2	m.a.h	m.a.h	PROPN
asfbr-2054	178	3	.	.	PROPN
asfbr-2054	178	4	;	;	PUNCT
asfbr-2054	178	5	software	software	NOUN
asfbr-2054	178	6	,	,	PUNCT
asfbr-2054	178	7	m.r.k	m.r.k	ADJ
asfbr-2054	178	8	.	.	PUNCT
asfbr-2054	178	9	;	;	PUNCT
asfbr-2054	178	10	validation	validation	NOUN
asfbr-2054	178	11	,	,	PUNCT
asfbr-2054	178	12	m.r.k	m.r.k	ADJ
asfbr-2054	178	13	.	.	PUNCT
asfbr-2054	179	1	and	and	CCONJ
asfbr-2054	179	2	m.a.h	m.a.h	PROPN
asfbr-2054	179	3	.	.	PROPN
asfbr-2054	179	4	;	;	PUNCT
asfbr-2054	179	5	formal	formal	ADJ
asfbr-2054	179	6	analysis	analysis	NOUN
asfbr-2054	179	7	,	,	PUNCT
asfbr-2054	179	8	m.r.k	m.r.k	ADJ
asfbr-2054	179	9	.	.	PUNCT
asfbr-2054	179	10	and	and	CCONJ
asfbr-2054	179	11	m.a.h	m.a.h	PROPN
asfbr-2054	179	12	.	.	PROPN
asfbr-2054	179	13	;	;	PUNCT
asfbr-2054	179	14	investigation	investigation	NOUN
asfbr-2054	179	15	,	,	PUNCT
asfbr-2054	179	16	m.r.k	m.r.k	ADJ
asfbr-2054	179	17	.	.	PUNCT
asfbr-2054	179	18	and	and	CCONJ
asfbr-2054	179	19	m.a.h	m.a.h	PROPN
asfbr-2054	179	20	.	.	PROPN
asfbr-2054	179	21	;	;	PUNCT
asfbr-2054	179	22	resources	resource	NOUN
asfbr-2054	179	23	,	,	PUNCT
asfbr-2054	179	24	m.r.k	m.r.k	ADJ
asfbr-2054	179	25	.	.	PUNCT
asfbr-2054	179	26	and	and	CCONJ
asfbr-2054	179	27	m.a.h	m.a.h	PROPN
asfbr-2054	179	28	.	.	PROPN
asfbr-2054	179	29	;	;	PUNCT
asfbr-2054	179	30	data	datum	NOUN
asfbr-2054	179	31	curation	curation	NOUN
asfbr-2054	179	32	,	,	PUNCT
asfbr-2054	179	33	m.r.k	m.r.k	ADJ
asfbr-2054	179	34	.	.	PUNCT
asfbr-2054	179	35	;	;	PUNCT
asfbr-2054	179	36	writing	write	VERB
asfbr-2054	179	37	–	–	PUNCT
asfbr-2054	179	38	original	original	ADJ
asfbr-2054	179	39	draft	draft	NOUN
asfbr-2054	179	40	preparation	preparation	NOUN
asfbr-2054	179	41	,	,	PUNCT
asfbr-2054	179	42	m.r.k	m.r.k	ADJ
asfbr-2054	179	43	.	.	PUNCT
asfbr-2054	179	44	and	and	CCONJ
asfbr-2054	179	45	m.a.h	m.a.h	PROPN
asfbr-2054	179	46	.	.	PROPN
asfbr-2054	179	47	;	;	PUNCT
asfbr-2054	179	48	writing	write	VERB
asfbr-2054	179	49	–	–	PUNCT
asfbr-2054	179	50	review	review	NOUN
asfbr-2054	179	51	&	&	CCONJ
asfbr-2054	179	52	editing	editing	NOUN
asfbr-2054	179	53	,	,	PUNCT
asfbr-2054	179	54	m.r.k	m.r.k	ADJ
asfbr-2054	179	55	.	.	PUNCT
asfbr-2054	179	56	and	and	CCONJ
asfbr-2054	179	57	m.a.h	m.a.h	PROPN
asfbr-2054	179	58	.	.	PROPN
asfbr-2054	179	59	;	;	PUNCT
asfbr-2054	179	60	visualization	visualization	NOUN
asfbr-2054	179	61	,	,	PUNCT
asfbr-2054	179	62	m.r.k	m.r.k	NOUN
asfbr-2054	179	63	.	.	PUNCT
asfbr-2054	179	64	supervision	supervision	NOUN
asfbr-2054	179	65	,	,	PUNCT
asfbr-2054	179	66	m.a.h	m.a.h	PROPN
asfbr-2054	179	67	.	.	PROPN
asfbr-2054	179	68	;	;	PUNCT
asfbr-2054	179	69	project	project	NOUN
asfbr-2054	179	70	administration	administration	NOUN
asfbr-2054	179	71	,	,	PUNCT
asfbr-2054	179	72	m.a.h	m.a.h	PROPN
asfbr-2054	179	73	.	.	PROPN
asfbr-2054	179	74	;	;	PUNCT
asfbr-2054	179	75	funding	funding	NOUN
asfbr-2054	179	76	acquisition	acquisition	NOUN
asfbr-2054	179	77	,	,	PUNCT
asfbr-2054	179	78	m.r.k	m.r.k	NOUN
asfbr-2054	179	79	.	.	PUNCT
asfbr-2054	180	1	and	and	CCONJ
asfbr-2054	180	2	m.a.h	m.a.h	PROPN
asfbr-2054	180	3	.	.	PROPN
asfbr-2054	180	4	authors	author	NOUN
asfbr-2054	180	5	have	have	AUX
asfbr-2054	180	6	read	read	VERB
asfbr-2054	180	7	and	and	CCONJ
asfbr-2054	180	8	agreed	agree	VERB
asfbr-2054	180	9	to	to	ADP
asfbr-2054	180	10	the	the	DET
asfbr-2054	180	11	published	publish	VERB
asfbr-2054	180	12	version	version	NOUN
asfbr-2054	180	13	of	of	ADP
asfbr-2054	180	14	the	the	DET
asfbr-2054	180	15	manuscript	manuscript	NOUN
asfbr-2054	180	16	.	.	PUNCT
asfbr-2054	181	1	institutional	institutional	ADJ
asfbr-2054	181	2	review	review	PROPN
asfbr-2054	181	3	board	board	NOUN
asfbr-2054	181	4	statement	statement	NOUN
asfbr-2054	181	5	:	:	PUNCT
asfbr-2054	181	6	ethical	ethical	ADJ
asfbr-2054	181	7	review	review	NOUN
asfbr-2054	181	8	and	and	CCONJ
asfbr-2054	181	9	approval	approval	NOUN
asfbr-2054	181	10	were	be	AUX
asfbr-2054	181	11	waived	waive	VERB
asfbr-2054	181	12	for	for	ADP
asfbr-2054	181	13	this	this	DET
asfbr-2054	181	14	study	study	NOUN
asfbr-2054	181	15	,	,	PUNCT
asfbr-2054	181	16	due	due	ADP
asfbr-2054	181	17	to	to	ADP
asfbr-2054	181	18	that	that	SCONJ
asfbr-2054	181	19	the	the	DET
asfbr-2054	181	20	research	research	NOUN
asfbr-2054	181	21	does	do	AUX
asfbr-2054	181	22	not	not	PART
asfbr-2054	181	23	deal	deal	VERB
asfbr-2054	181	24	with	with	ADP
asfbr-2054	181	25	vulnerable	vulnerable	ADJ
asfbr-2054	181	26	groups	group	NOUN
asfbr-2054	181	27	or	or	CCONJ
asfbr-2054	181	28	sensitive	sensitive	ADJ
asfbr-2054	181	29	issues	issue	NOUN
asfbr-2054	181	30	.	.	PUNCT
asfbr-2054	182	1	funding	funding	NOUN
asfbr-2054	182	2	:	:	PUNCT
asfbr-2054	182	3	the	the	DET
asfbr-2054	182	4	authors	author	NOUN
asfbr-2054	182	5	received	receive	VERB
asfbr-2054	182	6	no	no	DET
asfbr-2054	182	7	direct	direct	ADJ
asfbr-2054	182	8	funding	funding	NOUN
asfbr-2054	182	9	for	for	ADP
asfbr-2054	182	10	this	this	DET
asfbr-2054	182	11	research	research	NOUN
asfbr-2054	182	12	.	.	PUNCT
asfbr-2054	183	1	acknowledgments	acknowledgment	NOUN
asfbr-2054	183	2	:	:	PUNCT
asfbr-2054	183	3	we	we	PRON
asfbr-2054	183	4	would	would	AUX
asfbr-2054	183	5	like	like	VERB
asfbr-2054	183	6	to	to	PART
asfbr-2054	183	7	acknowledge	acknowledge	VERB
asfbr-2054	183	8	all	all	DET
asfbr-2054	183	9	faculty	faculty	NOUN
asfbr-2054	183	10	members	member	NOUN
asfbr-2054	183	11	,	,	PUNCT
asfbr-2054	183	12	staffs	staff	NOUN
asfbr-2054	183	13	and	and	CCONJ
asfbr-2054	183	14	fellows	fellow	NOUN
asfbr-2054	183	15	of	of	ADP
asfbr-2054	183	16	institute	institute	PROPN
asfbr-2054	183	17	of	of	ADP
asfbr-2054	183	18	bangladesh	bangladesh	PROPN
asfbr-2054	183	19	studies	study	NOUN
asfbr-2054	183	20	(	(	PUNCT
asfbr-2054	183	21	ibs	ibs	PROPN
asfbr-2054	183	22	)	)	PUNCT
asfbr-2054	183	23	at	at	ADP
asfbr-2054	183	24	rajshahi	rajshahi	PROPN
asfbr-2054	183	25	university	university	PROPN
asfbr-2054	183	26	,	,	PUNCT
asfbr-2054	183	27	each	each	PRON
asfbr-2054	183	28	of	of	ADP
asfbr-2054	183	29	whom	whom	PRON
asfbr-2054	183	30	has	have	AUX
asfbr-2054	183	31	provided	provide	VERB
asfbr-2054	183	32	advice	advice	NOUN
asfbr-2054	183	33	and	and	CCONJ
asfbr-2054	183	34	guidance	guidance	NOUN
asfbr-2054	183	35	throughout	throughout	ADP
asfbr-2054	183	36	the	the	DET
asfbr-2054	183	37	research	research	NOUN
asfbr-2054	183	38	process	process	NOUN
asfbr-2054	183	39	.	.	PUNCT
asfbr-2054	184	1	thanks	thank	NOUN
asfbr-2054	184	2	all	all	PRON
asfbr-2054	184	3	for	for	ADP
asfbr-2054	184	4	your	your	PRON
asfbr-2054	184	5	unwavering	unwavering	ADJ
asfbr-2054	184	6	support	support	NOUN
asfbr-2054	184	7	.	.	PUNCT
asfbr-2054	185	1	informed	informed	ADJ
asfbr-2054	185	2	consent	consent	NOUN
asfbr-2054	185	3	statement	statement	NOUN
asfbr-2054	185	4	:	:	PUNCT
asfbr-2054	185	5	informed	inform	VERB
asfbr-2054	185	6	consent	consent	NOUN
asfbr-2054	185	7	was	be	AUX
asfbr-2054	185	8	obtained	obtain	VERB
asfbr-2054	185	9	from	from	ADP
asfbr-2054	185	10	all	all	DET
asfbr-2054	185	11	subjects	subject	NOUN
asfbr-2054	185	12	involved	involve	VERB
asfbr-2054	185	13	in	in	ADP
asfbr-2054	185	14	the	the	DET
asfbr-2054	185	15	study	study	NOUN
asfbr-2054	185	16	.	.	PUNCT
asfbr-2054	186	1	data	datum	NOUN
asfbr-2054	186	2	availability	availability	NOUN
asfbr-2054	186	3	statement	statement	NOUN
asfbr-2054	186	4	:	:	PUNCT
asfbr-2054	186	5	the	the	DET
asfbr-2054	186	6	data	datum	NOUN
asfbr-2054	186	7	presented	present	VERB
asfbr-2054	186	8	in	in	ADP
asfbr-2054	186	9	this	this	DET
asfbr-2054	186	10	study	study	NOUN
asfbr-2054	186	11	are	be	AUX
asfbr-2054	186	12	available	available	ADJ
asfbr-2054	186	13	on	on	ADP
asfbr-2054	186	14	request	request	NOUN
asfbr-2054	186	15	from	from	ADP
asfbr-2054	186	16	the	the	DET
asfbr-2054	186	17	corresponding	corresponding	ADJ
asfbr-2054	186	18	author	author	NOUN
asfbr-2054	186	19	.	.	PUNCT
asfbr-2054	187	1	the	the	DET
asfbr-2054	187	2	data	datum	NOUN
asfbr-2054	187	3	are	be	AUX
asfbr-2054	187	4	not	not	PART
asfbr-2054	187	5	publicly	publicly	ADV
asfbr-2054	187	6	available	available	ADJ
asfbr-2054	187	7	due	due	ADP
asfbr-2054	187	8	to	to	ADP
asfbr-2054	187	9	restrictions	restriction	NOUN
asfbr-2054	187	10	.	.	PUNCT
asfbr-2054	188	1	conflicts	conflict	NOUN
asfbr-2054	188	2	of	of	ADP
asfbr-2054	188	3	interest	interest	NOUN
asfbr-2054	188	4	:	:	PUNCT
asfbr-2054	188	5	the	the	DET
asfbr-2054	188	6	authors	author	NOUN
asfbr-2054	188	7	declare	declare	VERB
asfbr-2054	188	8	no	no	DET
asfbr-2054	188	9	conflict	conflict	NOUN
asfbr-2054	188	10	of	of	ADP
asfbr-2054	188	11	interest	interest	NOUN
asfbr-2054	188	12	.	.	PUNCT
asfbr-2054	189	1	references	reference	NOUN
asfbr-2054	189	2	anarfo	anarfo	PROPN
asfbr-2054	189	3	,	,	PUNCT
asfbr-2054	189	4	e.	e.	PROPN
asfbr-2054	189	5	b.	b.	PROPN
asfbr-2054	189	6	,	,	PUNCT
asfbr-2054	189	7	&	&	CCONJ
asfbr-2054	189	8	abor	abor	PROPN
asfbr-2054	189	9	,	,	PUNCT
asfbr-2054	189	10	j.	j.	PROPN
asfbr-2054	189	11	y.	y.	PROPN
asfbr-2054	189	12	(	(	PUNCT
asfbr-2054	189	13	2020	2020	NUM
asfbr-2054	189	14	)	)	PUNCT
asfbr-2054	189	15	.	.	PUNCT
asfbr-2054	190	1	financial	financial	ADJ
asfbr-2054	190	2	regulation	regulation	NOUN
asfbr-2054	190	3	and	and	CCONJ
asfbr-2054	190	4	financial	financial	ADJ
asfbr-2054	190	5	inclusion	inclusion	NOUN
asfbr-2054	190	6	in	in	ADP
asfbr-2054	190	7	sub	sub	ADJ
asfbr-2054	190	8	-	-	ADJ
asfbr-2054	190	9	saharan	saharan	ADJ
asfbr-2054	190	10	africa	africa	PROPN
asfbr-2054	190	11	:	:	PUNCT
asfbr-2054	190	12	does	do	AUX
asfbr-2054	190	13	financial	financial	ADJ
asfbr-2054	190	14	stability	stability	NOUN
asfbr-2054	190	15	play	play	VERB
asfbr-2054	190	16	a	a	DET
asfbr-2054	190	17	moderating	moderate	VERB
asfbr-2054	190	18	role	role	NOUN
asfbr-2054	190	19	?	?	PUNCT
asfbr-2054	190	20	.	.	PUNCT
asfbr-2054	191	1	research	research	NOUN
asfbr-2054	191	2	in	in	ADP
asfbr-2054	191	3	international	international	ADJ
asfbr-2054	191	4	business	business	NOUN
asfbr-2054	191	5	and	and	CCONJ
asfbr-2054	191	6	finance	finance	NOUN
asfbr-2054	191	7	,	,	PUNCT
asfbr-2054	191	8	51	51	NUM
asfbr-2054	191	9	,	,	PUNCT
asfbr-2054	191	10	101070	101070	NUM
asfbr-2054	191	11	.	.	PUNCT
asfbr-2054	192	1	https://doi.org/10.1016/j.ribaf.2019.101070	https://doi.org/10.1016/j.ribaf.2019.101070	PROPN
asfbr-2054	192	2	amin	amin	PROPN
asfbr-2054	192	3	,	,	PUNCT
asfbr-2054	192	4	n.	n.	NOUN
asfbr-2054	192	5	(	(	PUNCT
asfbr-2054	192	6	2021	2021	NUM
asfbr-2054	192	7	)	)	PUNCT
asfbr-2054	192	8	.	.	PUNCT
asfbr-2054	193	1	regulation	regulation	NOUN
asfbr-2054	193	2	of	of	ADP
asfbr-2054	193	3	mobile	mobile	ADJ
asfbr-2054	193	4	financial	financial	ADJ
asfbr-2054	193	5	services	service	NOUN
asfbr-2054	193	6	in	in	ADP
asfbr-2054	193	7	bangladesh	bangladesh	NOUN
asfbr-2054	193	8	:	:	PUNCT
asfbr-2054	193	9	constraints	constraint	NOUN
asfbr-2054	193	10	and	and	CCONJ
asfbr-2054	193	11	prospects	prospect	NOUN
asfbr-2054	193	12	,	,	PUNCT
asfbr-2054	193	13	international	international	ADJ
asfbr-2054	193	14	journal	journal	NOUN
asfbr-2054	193	15	of	of	ADP
asfbr-2054	193	16	research	research	NOUN
asfbr-2054	193	17	and	and	CCONJ
asfbr-2054	193	18	innovation	innovation	NOUN
asfbr-2054	193	19	in	in	ADP
asfbr-2054	193	20	social	social	ADJ
asfbr-2054	193	21	science	science	NOUN
asfbr-2054	193	22	,	,	PUNCT
asfbr-2054	193	23	v(vi	v(vi	PROPN
asfbr-2054	193	24	)	)	PUNCT
asfbr-2054	193	25	,	,	PUNCT
asfbr-2054	193	26	565	565	NUM
asfbr-2054	193	27	-	-	SYM
asfbr-2054	193	28	570	570	NUM
asfbr-2054	193	29	.	.	PUNCT
asfbr-2054	193	30	bahia	bahia	PROPN
asfbr-2054	193	31	,	,	PUNCT
asfbr-2054	193	32	k.	k.	PROPN
asfbr-2054	193	33	,	,	PUNCT
asfbr-2054	193	34	kennedy	kennedy	PROPN
asfbr-2054	193	35	,	,	PUNCT
asfbr-2054	193	36	k.	k.	PROPN
asfbr-2054	193	37	,	,	PUNCT
asfbr-2054	193	38	&	&	CCONJ
asfbr-2054	193	39	winnie	winnie	PROPN
asfbr-2054	193	40	,	,	PUNCT
asfbr-2054	193	41	w.	w.	PROPN
asfbr-2054	193	42	(	(	PUNCT
asfbr-2054	193	43	2022	2022	NUM
asfbr-2054	193	44	)	)	PUNCT
asfbr-2054	193	45	.	.	PUNCT
asfbr-2054	194	1	three	three	NUM
asfbr-2054	194	2	years	year	NOUN
asfbr-2054	194	3	of	of	ADP
asfbr-2054	194	4	the	the	DET
asfbr-2054	194	5	mobile	mobile	ADJ
asfbr-2054	194	6	money	money	NOUN
asfbr-2054	194	7	regulatory	regulatory	ADJ
asfbr-2054	194	8	index	index	NOUN
asfbr-2054	194	9	:	:	PUNCT
asfbr-2054	194	10	insights	insight	NOUN
asfbr-2054	194	11	,	,	PUNCT
asfbr-2054	194	12	opportunities	opportunity	NOUN
asfbr-2054	194	13	and	and	CCONJ
asfbr-2054	194	14	challenges	challenge	NOUN
asfbr-2054	194	15	,	,	PUNCT
asfbr-2054	194	16	gsma	gsma	NOUN
asfbr-2054	194	17	,	,	PUNCT
asfbr-2054	194	18	london	london	PROPN
asfbr-2054	194	19	.	.	PUNCT
asfbr-2054	194	20	retrieved	retrieve	VERB
asfbr-2054	194	21	from	from	ADP
asfbr-2054	194	22	https://www.gsma.com/mobilefordevelopment/wpcontent/uploads/2022/12/regindex-final.pdf	https://www.gsma.com/mobilefordevelopment/wpcontent/uploads/2022/12/regindex-final.pdf	PROPN
asfbr-2054	194	23	chowdhury	chowdhury	NOUN
asfbr-2054	194	24	,	,	PUNCT
asfbr-2054	194	25	m.	m.	NOUN
asfbr-2054	194	26	u.	u.	PROPN
asfbr-2054	194	27	,	,	PUNCT
asfbr-2054	194	28	ahmed	ahmed	PROPN
asfbr-2054	194	29	,	,	PUNCT
asfbr-2054	194	30	h.	h.	PROPN
asfbr-2054	194	31	,	,	PUNCT
asfbr-2054	194	32	&	&	CCONJ
asfbr-2054	194	33	huda	huda	PROPN
asfbr-2054	194	34	,	,	PUNCT
asfbr-2054	194	35	e.	e.	PROPN
asfbr-2054	194	36	(	(	PUNCT
asfbr-2054	194	37	2021	2021	NUM
asfbr-2054	194	38	)	)	PUNCT
asfbr-2054	194	39	.	.	PUNCT
asfbr-2054	195	1	financial	financial	ADJ
asfbr-2054	195	2	inclusion	inclusion	NOUN
asfbr-2054	195	3	policy	policy	NOUN
asfbr-2054	195	4	analysis	analysis	NOUN
asfbr-2054	195	5	.	.	PUNCT
asfbr-2054	196	1	shouhardo	shouhardo	PROPN
asfbr-2054	196	2	iii	iii	PROPN
asfbr-2054	196	3	program	program	NOUN
asfbr-2054	196	4	,	,	PUNCT
asfbr-2054	196	5	care	care	NOUN
asfbr-2054	196	6	bangladesh	bangladesh	PROPN
asfbr-2054	196	7	.	.	PUNCT
asfbr-2054	197	1	retrieved	retrieve	VERB
asfbr-2054	197	2	from	from	ADP
asfbr-2054	197	3	https://shouhardo.carebangladesh.org/wp-content/uploads/2022/10/shouhardoiii-arr-fy-22-annex-7-fin	https://shouhardo.carebangladesh.org/wp-content/uploads/2022/10/shouhardoiii-arr-fy-22-annex-7-fin	PROPN
asfbr-2054	197	4	di	di	X
asfbr-2054	197	5	castri	castri	NOUN
asfbr-2054	197	6	,	,	PUNCT
asfbr-2054	197	7	s.	s.	PROPN
asfbr-2054	197	8	(	(	PUNCT
asfbr-2054	197	9	2013	2013	NUM
asfbr-2054	197	10	)	)	PUNCT
asfbr-2054	197	11	.	.	PUNCT
asfbr-2054	198	1	mobile	mobile	ADJ
asfbr-2054	198	2	money	money	NOUN
asfbr-2054	198	3	:	:	PUNCT
asfbr-2054	198	4	enabling	enable	VERB
asfbr-2054	198	5	regulatory	regulatory	ADJ
asfbr-2054	198	6	solutions.1	solutions.1	PROPN
asfbr-2054	198	7	-	-	PUNCT
asfbr-2054	198	8	40	40	NUM
asfbr-2054	198	9	available	available	ADJ
asfbr-2054	198	10	at	at	ADP
asfbr-2054	198	11	http://dx.doi.org/10.2139/ssrn.2302726	http://dx.doi.org/10.2139/ssrn.2302726	X
asfbr-2054	198	12	dostov	dostov	ADJ
asfbr-2054	198	13	,	,	PUNCT
asfbr-2054	198	14	v.	v.	ADV
asfbr-2054	198	15	,	,	PUNCT
asfbr-2054	198	16	shust	shust	ADV
asfbr-2054	198	17	,	,	PUNCT
asfbr-2054	198	18	p.	p.	NOUN
asfbr-2054	198	19	,	,	PUNCT
asfbr-2054	198	20	&	&	CCONJ
asfbr-2054	198	21	khorkova	khorkova	PROPN
asfbr-2054	198	22	,	,	PUNCT
asfbr-2054	198	23	a.	a.	PROPN
asfbr-2054	198	24	(	(	PUNCT
asfbr-2054	198	25	2019	2019	NUM
asfbr-2054	198	26	,	,	PUNCT
asfbr-2054	198	27	november	november	PROPN
asfbr-2054	198	28	)	)	PUNCT
asfbr-2054	198	29	.	.	PUNCT
asfbr-2054	199	1	new	new	ADJ
asfbr-2054	199	2	trends	trend	NOUN
asfbr-2054	199	3	in	in	ADP
asfbr-2054	199	4	financial	financial	ADJ
asfbr-2054	199	5	inclusion	inclusion	NOUN
asfbr-2054	199	6	policies	policy	NOUN
asfbr-2054	199	7	:	:	PUNCT
asfbr-2054	199	8	role	role	NOUN
asfbr-2054	199	9	of	of	ADP
asfbr-2054	199	10	digital	digital	ADJ
asfbr-2054	199	11	technologies	technology	NOUN
asfbr-2054	199	12	and	and	CCONJ
asfbr-2054	199	13	digital	digital	ADJ
asfbr-2054	199	14	inclusion	inclusion	NOUN
asfbr-2054	199	15	.	.	PUNCT
asfbr-2054	200	1	in	in	ADP
asfbr-2054	200	2	third	third	ADJ
asfbr-2054	200	3	international	international	ADJ
asfbr-2054	200	4	economic	economic	ADJ
asfbr-2054	200	5	symposium	symposium	NOUN
asfbr-2054	200	6	(	(	PUNCT
asfbr-2054	200	7	ies	ie	NOUN
asfbr-2054	200	8	2018	2018	NUM
asfbr-2054	200	9	)	)	PUNCT
asfbr-2054	200	10	(	(	PUNCT
asfbr-2054	200	11	pp	pp	X
asfbr-2054	200	12	.	.	PUNCT
asfbr-2054	201	1	1	1	NUM
asfbr-2054	201	2	-	-	SYM
asfbr-2054	201	3	13	13	NUM
asfbr-2054	201	4	)	)	PUNCT
asfbr-2054	201	5	.	.	PUNCT
asfbr-2054	202	1	atlantis	atlantis	PROPN
asfbr-2054	202	2	press	press	PROPN
asfbr-2054	202	3	.	.	PUNCT
asfbr-2054	203	1	evans	evans	PROPN
asfbr-2054	203	2	,	,	PUNCT
asfbr-2054	203	3	d.	d.	PROPN
asfbr-2054	203	4	s.	s.	PROPN
asfbr-2054	203	5	,	,	PUNCT
asfbr-2054	203	6	&	&	CCONJ
asfbr-2054	203	7	pirchio	pirchio	PROPN
asfbr-2054	203	8	,	,	PUNCT
asfbr-2054	203	9	a.	a.	NOUN
asfbr-2054	203	10	(	(	PUNCT
asfbr-2054	203	11	2014	2014	NUM
asfbr-2054	203	12	)	)	PUNCT
asfbr-2054	203	13	.	.	PUNCT
asfbr-2054	204	1	an	an	DET
asfbr-2054	204	2	empirical	empirical	ADJ
asfbr-2054	204	3	examination	examination	NOUN
asfbr-2054	204	4	of	of	ADP
asfbr-2054	204	5	why	why	SCONJ
asfbr-2054	204	6	mobile	mobile	ADJ
asfbr-2054	204	7	money	money	NOUN
asfbr-2054	204	8	schemes	scheme	NOUN
asfbr-2054	204	9	ignite	ignite	VERB
asfbr-2054	204	10	in	in	ADP
asfbr-2054	204	11	some	some	DET
asfbr-2054	204	12	developing	develop	VERB
asfbr-2054	204	13	countries	country	NOUN
asfbr-2054	204	14	but	but	CCONJ
asfbr-2054	204	15	flounder	flounder	NOUN
asfbr-2054	204	16	in	in	ADP
asfbr-2054	204	17	most	most	ADJ
asfbr-2054	204	18	.	.	PUNCT
asfbr-2054	205	1	review	review	NOUN
asfbr-2054	205	2	of	of	ADP
asfbr-2054	205	3	network	network	NOUN
asfbr-2054	205	4	economics	economic	NOUN
asfbr-2054	205	5	,	,	PUNCT
asfbr-2054	205	6	13(4	13(4	NUM
asfbr-2054	205	7	)	)	PUNCT
asfbr-2054	205	8	,	,	PUNCT
asfbr-2054	205	9	397	397	NUM
asfbr-2054	205	10	-	-	SYM
asfbr-2054	205	11	451	451	NUM
asfbr-2054	205	12	.	.	PUNCT
asfbr-2054	206	1	https://doi.org/10.1515/rne-20150020	https://doi.org/10.1515/rne-20150020	NOUN
asfbr-2054	206	2	finconet	finconet	NOUN
asfbr-2054	206	3	(	(	PUNCT
asfbr-2054	206	4	2018	2018	NUM
asfbr-2054	206	5	)	)	PUNCT
asfbr-2054	206	6	.	.	PUNCT
asfbr-2054	207	1	online	online	ADJ
asfbr-2054	207	2	and	and	CCONJ
asfbr-2054	207	3	mobile	mobile	ADJ
asfbr-2054	207	4	payments	payment	NOUN
asfbr-2054	207	5	:	:	PUNCT
asfbr-2054	207	6	an	an	DET
asfbr-2054	207	7	overview	overview	NOUN
asfbr-2054	207	8	of	of	ADP
asfbr-2054	207	9	supervisory	supervisory	ADJ
asfbr-2054	207	10	practices	practice	NOUN
asfbr-2054	207	11	to	to	PART
asfbr-2054	207	12	mitigate	mitigate	VERB
asfbr-2054	207	13	security	security	NOUN
asfbr-2054	207	14	risks	risk	NOUN
asfbr-2054	207	15	,	,	PUNCT
asfbr-2054	207	16	the	the	DET
asfbr-2054	207	17	international	international	ADJ
asfbr-2054	207	18	financial	financial	ADJ
asfbr-2054	207	19	consumer	consumer	NOUN
asfbr-2054	207	20	protection	protection	NOUN
asfbr-2054	207	21	organisation	organisation	NOUN
asfbr-2054	207	22	,	,	PUNCT
asfbr-2054	207	23	1	1	NUM
asfbr-2054	207	24	-	-	SYM
asfbr-2054	207	25	79	79	NUM
asfbr-2054	207	26	.	.	PUNCT
asfbr-2054	207	27	retrieved	retrieve	VERB
asfbr-2054	207	28	from	from	ADP
asfbr-2054	207	29	http://www.finconet.org/	http://www.finconet.org/	NOUN
asfbr-2054	207	30	finconet_report_online_mobile_payments.pdf	finconet_report_online_mobile_payments.pdf	PROPN
asfbr-2054	207	31	gichuru	gichuru	NOUN
asfbr-2054	207	32	,	,	PUNCT
asfbr-2054	207	33	l.	l.	PROPN
asfbr-2054	207	34	n.	n.	PROPN
asfbr-2054	207	35	(	(	PUNCT
asfbr-2054	207	36	2021	2021	NUM
asfbr-2054	207	37	)	)	PUNCT
asfbr-2054	207	38	.	.	PUNCT
asfbr-2054	208	1	influence	influence	NOUN
asfbr-2054	208	2	of	of	ADP
asfbr-2054	208	3	regulatory	regulatory	ADJ
asfbr-2054	208	4	requirements	requirement	NOUN
asfbr-2054	208	5	on	on	ADP
asfbr-2054	208	6	financial	financial	ADJ
asfbr-2054	208	7	inclusion	inclusion	NOUN
asfbr-2054	208	8	:	:	PUNCT
asfbr-2054	208	9	a	a	DET
asfbr-2054	208	10	case	case	NOUN
asfbr-2054	208	11	of	of	ADP
asfbr-2054	208	12	the	the	DET
asfbr-2054	208	13	fintech	fintech	NOUN
asfbr-2054	208	14	industry	industry	NOUN
asfbr-2054	208	15	in	in	ADP
asfbr-2054	208	16	kenya	kenya	PROPN
asfbr-2054	208	17	(	(	PUNCT
asfbr-2054	208	18	doctoral	doctoral	ADJ
asfbr-2054	208	19	dissertation	dissertation	NOUN
asfbr-2054	208	20	,	,	PUNCT
asfbr-2054	208	21	united	united	PROPN
asfbr-2054	208	22	states	states	PROPN
asfbr-2054	208	23	international	international	PROPN
asfbr-2054	208	24	university	university	PROPN
asfbr-2054	208	25	-	-	PUNCT
asfbr-2054	208	26	africa	africa	PROPN
asfbr-2054	208	27	)	)	PUNCT
asfbr-2054	208	28	.	.	PUNCT
asfbr-2054	209	1	groppa	groppa	NOUN
asfbr-2054	209	2	,	,	PUNCT
asfbr-2054	209	3	o.	o.	PROPN
asfbr-2054	209	4	,	,	PUNCT
asfbr-2054	209	5	&	&	CCONJ
asfbr-2054	209	6	curi	curi	PROPN
asfbr-2054	209	7	,	,	PUNCT
asfbr-2054	209	8	f.	f.	PROPN
asfbr-2054	209	9	(	(	PUNCT
asfbr-2054	209	10	2012	2012	NUM
asfbr-2054	209	11	)	)	PUNCT
asfbr-2054	209	12	.	.	PUNCT
asfbr-2054	210	1	mobile	mobile	ADJ
asfbr-2054	210	2	money	money	NOUN
asfbr-2054	210	3	regulation	regulation	NOUN
asfbr-2054	210	4	:	:	PUNCT
asfbr-2054	210	5	kenya	kenya	PROPN
asfbr-2054	210	6	,	,	PUNCT
asfbr-2054	210	7	ecuador	ecuador	PROPN
asfbr-2054	210	8	and	and	CCONJ
asfbr-2054	210	9	brazil	brazil	PROPN
asfbr-2054	210	10	compared	compare	VERB
asfbr-2054	210	11	.	.	PUNCT
asfbr-2054	211	1	ecuador	ecuador	PROPN
asfbr-2054	211	2	and	and	CCONJ
asfbr-2054	211	3	brazil	brazil	PROPN
asfbr-2054	211	4	compared	compare	VERB
asfbr-2054	211	5	(	(	PUNCT
asfbr-2054	211	6	september	september	PROPN
asfbr-2054	211	7	20	20	NUM
asfbr-2054	211	8	,	,	PUNCT
asfbr-2054	211	9	2012	2012	NUM
asfbr-2054	211	10	)	)	PUNCT
asfbr-2054	211	11	.	.	PUNCT
asfbr-2054	212	1	kalvin	kalvin	PROPN
asfbr-2054	212	2	,	,	PUNCT
asfbr-2054	212	3	b.	b.	PROPN
asfbr-2054	212	4	,	,	PUNCT
asfbr-2054	212	5	kennedy	kennedy	PROPN
asfbr-2054	212	6	,	,	PUNCT
asfbr-2054	212	7	k.	k.	PROPN
asfbr-2054	212	8	,	,	PUNCT
asfbr-2054	212	9	&	&	CCONJ
asfbr-2054	212	10	winnie	winnie	PROPN
asfbr-2054	212	11	,	,	PUNCT
asfbr-2054	212	12	w.	w.	PROPN
asfbr-2054	212	13	(	(	PUNCT
asfbr-2054	212	14	2022	2022	NUM
asfbr-2054	212	15	)	)	PUNCT
asfbr-2054	212	16	.	.	PUNCT
asfbr-2054	213	1	three	three	NUM
asfbr-2054	213	2	years	year	NOUN
asfbr-2054	213	3	of	of	ADP
asfbr-2054	213	4	the	the	DET
asfbr-2054	213	5	mobile	mobile	ADJ
asfbr-2054	213	6	money	money	NOUN
asfbr-2054	213	7	regulatory	regulatory	ADJ
asfbr-2054	213	8	index	index	NOUN
asfbr-2054	213	9	:	:	PUNCT
asfbr-2054	213	10	insights	insight	NOUN
asfbr-2054	213	11	,	,	PUNCT
asfbr-2054	213	12	opportunities	opportunity	NOUN
asfbr-2054	213	13	and	and	CCONJ
asfbr-2054	213	14	challenges	challenge	NOUN
asfbr-2054	213	15	gsma	gsma	NOUN
asfbr-2054	213	16	,	,	PUNCT
asfbr-2054	213	17	10	10	NUM
asfbr-2054	213	18	.	.	PUNCT
asfbr-2054	214	1	lyman	lyman	PROPN
asfbr-2054	214	2	,	,	PUNCT
asfbr-2054	214	3	t.	t.	PROPN
asfbr-2054	214	4	r.	r.	PROPN
asfbr-2054	214	5	,	,	PUNCT
asfbr-2054	214	6	pickens	pickens	PROPN
asfbr-2054	214	7	,	,	PUNCT
asfbr-2054	214	8	m.	m.	NOUN
asfbr-2054	214	9	,	,	PUNCT
asfbr-2054	214	10	&	&	CCONJ
asfbr-2054	214	11	porteous	porteous	NOUN
asfbr-2054	214	12	,	,	PUNCT
asfbr-2054	214	13	d.	d.	PROPN
asfbr-2054	214	14	(	(	PUNCT
asfbr-2054	214	15	2008	2008	NUM
asfbr-2054	214	16	)	)	PUNCT
asfbr-2054	214	17	.	.	PUNCT
asfbr-2054	215	1	regulating	regulate	VERB
asfbr-2054	215	2	transformational	transformational	ADJ
asfbr-2054	215	3	branchless	branchless	NOUN
asfbr-2054	215	4	banking	banking	NOUN
asfbr-2054	215	5	:	:	PUNCT
asfbr-2054	215	6	mobile	mobile	ADJ
asfbr-2054	215	7	phones	phone	NOUN
asfbr-2054	215	8	and	and	CCONJ
asfbr-2054	215	9	other	other	ADJ
asfbr-2054	215	10	technology	technology	NOUN
asfbr-2054	215	11	to	to	PART
asfbr-2054	215	12	increase	increase	VERB
asfbr-2054	215	13	access	access	NOUN
asfbr-2054	215	14	to	to	ADP
asfbr-2054	215	15	finance	finance	NOUN
asfbr-2054	215	16	.	.	PUNCT
asfbr-2054	216	1	world	world	PROPN
asfbr-2054	216	2	bank	bank	PROPN
asfbr-2054	216	3	group	group	PROPN
asfbr-2054	216	4	cgap	cgap	PROPN
asfbr-2054	216	5	,	,	PUNCT
asfbr-2054	216	6	focus	focus	NOUN
asfbr-2054	216	7	note	note	NOUN
asfbr-2054	216	8	43.available	43.available	X
asfbr-2054	216	9	at	at	ADP
asfbr-2054	216	10	https://policycommons.net/artifacts/1466597/regulating-transformational-branchless-banking/2114933/	https://policycommons.net/artifacts/1466597/regulating-transformational-branchless-banking/2114933/	NOUN
asfbr-2054	216	11	on	on	ADP
asfbr-2054	216	12	08	08	NUM
asfbr-2054	216	13	jun	jun	PROPN
asfbr-2054	216	14	2023	2023	NUM
asfbr-2054	216	15	.	.	PUNCT
asfbr-2054	217	1	cid	cid	NOUN
asfbr-2054	217	2	:	:	PUNCT
asfbr-2054	218	1	20.500.12592	20.500.12592	NUM
asfbr-2054	218	2	/	/	SYM
asfbr-2054	218	3	htq4v6	htq4v6	PROPN
asfbr-2054	218	4	.	.	PUNCT
asfbr-2054	218	5	makulilo	makulilo	PROPN
asfbr-2054	218	6	,	,	PUNCT
asfbr-2054	218	7	a.	a.	PROPN
asfbr-2054	218	8	b.	b.	PROPN
asfbr-2054	218	9	(	(	PUNCT
asfbr-2054	218	10	2015	2015	NUM
asfbr-2054	218	11	)	)	PUNCT
asfbr-2054	218	12	.	.	PUNCT
asfbr-2054	219	1	privacy	privacy	NOUN
asfbr-2054	219	2	in	in	ADP
asfbr-2054	219	3	mobile	mobile	ADJ
asfbr-2054	219	4	money	money	NOUN
asfbr-2054	219	5	:	:	PUNCT
asfbr-2054	219	6	central	central	ADJ
asfbr-2054	219	7	banks	bank	NOUN
asfbr-2054	219	8	in	in	ADP
asfbr-2054	219	9	africa	africa	PROPN
asfbr-2054	219	10	and	and	CCONJ
asfbr-2054	219	11	their	their	PRON
asfbr-2054	219	12	regulatory	regulatory	ADJ
asfbr-2054	219	13	limits	limit	NOUN
asfbr-2054	219	14	.	.	PUNCT
asfbr-2054	220	1	international	international	ADJ
asfbr-2054	220	2	journal	journal	PROPN
asfbr-2054	220	3	of	of	ADP
asfbr-2054	220	4	law	law	NOUN
asfbr-2054	220	5	and	and	CCONJ
asfbr-2054	220	6	information	information	NOUN
asfbr-2054	220	7	technology	technology	NOUN
asfbr-2054	220	8	,	,	PUNCT
asfbr-2054	220	9	23(4	23(4	NOUN
asfbr-2054	220	10	)	)	PUNCT
asfbr-2054	220	11	,	,	PUNCT
asfbr-2054	220	12	372	372	NUM
asfbr-2054	220	13	-	-	SYM
asfbr-2054	220	14	391	391	NUM
asfbr-2054	220	15	.	.	PUNCT
asfbr-2054	221	1	mas	mas	PROPN
asfbr-2054	221	2	,	,	PUNCT
asfbr-2054	221	3	i.	i.	PROPN
asfbr-2054	221	4	,	,	PUNCT
asfbr-2054	221	5	&	&	CCONJ
asfbr-2054	221	6	radcliffe	radcliffe	PROPN
asfbr-2054	221	7	,	,	PUNCT
asfbr-2054	221	8	d.	d.	PROPN
asfbr-2054	221	9	(	(	PUNCT
asfbr-2054	221	10	2010	2010	NUM
asfbr-2054	221	11	)	)	PUNCT
asfbr-2054	221	12	.	.	PUNCT
asfbr-2054	222	1	mobile	mobile	ADJ
asfbr-2054	222	2	payments	payment	NOUN
asfbr-2054	222	3	go	go	VERB
asfbr-2054	222	4	viral	viral	ADJ
asfbr-2054	222	5	:	:	PUNCT
asfbr-2054	222	6	m	m	NOUN
asfbr-2054	222	7	-	-	NOUN
asfbr-2054	222	8	pesa	pesa	PROPN
asfbr-2054	222	9	in	in	ADP
asfbr-2054	222	10	kenya	kenya	PROPN
asfbr-2054	222	11	.	.	PUNCT
asfbr-2054	223	1	bill	bill	PROPN
asfbr-2054	223	2	and	and	CCONJ
asfbr-2054	223	3	melinda	melinda	PROPN
asfbr-2054	223	4	gates	gates	PROPN
asfbr-2054	223	5	omwansa	omwansa	VERB
asfbr-2054	223	6	,	,	PUNCT
asfbr-2054	223	7	t.	t.	PROPN
asfbr-2054	223	8	(	(	PUNCT
asfbr-2054	223	9	2009	2009	NUM
asfbr-2054	223	10	)	)	PUNCT
asfbr-2054	223	11	.	.	PUNCT
asfbr-2054	224	1	m	m	PROPN
asfbr-2054	224	2	-	-	PUNCT
asfbr-2054	224	3	pesa	pesa	NOUN
asfbr-2054	224	4	:	:	PUNCT
asfbr-2054	224	5	progress	progress	NOUN
asfbr-2054	224	6	and	and	CCONJ
asfbr-2054	224	7	prospects	prospect	NOUN
asfbr-2054	224	8	.	.	PUNCT
asfbr-2054	225	1	innovations	innovation	NOUN
asfbr-2054	225	2	,	,	PUNCT
asfbr-2054	225	3	107	107	NUM
asfbr-2054	225	4	.	.	PUNCT
asfbr-2054	226	1	https://www.gsma.com/mobilefordevelopment/wp-content/uploads/2022/12/regindex-final.pdf	https://www.gsma.com/mobilefordevelopment/wp-content/uploads/2022/12/regindex-final.pdf	ADJ
asfbr-2054	226	2	https://www.gsma.com/mobilefordevelopment/wp-content/uploads/2022/12/regindex-final.pdf	https://www.gsma.com/mobilefordevelopment/wp-content/uploads/2022/12/regindex-final.pdf	ADJ
asfbr-2054	226	3	https://dx.doi.org/10.2139/ssrn.2302726	https://dx.doi.org/10.2139/ssrn.2302726	PUNCT
asfbr-2054	226	4	http://www.finconet.org/	http://www.finconet.org/	NOUN
asfbr-2054	226	5	https://policycommons.net/artifacts/1466597/regulating-transformational-branchless-banking/2114933/	https://policycommons.net/artifacts/1466597/regulating-transformational-branchless-banking/2114933/	PROPN
asfbr-2054	226	6	kabir	kabir	PROPN
asfbr-2054	226	7	&	&	CCONJ
asfbr-2054	226	8	hossain	hossain	PROPN
asfbr-2054	226	9	,	,	PUNCT
asfbr-2054	226	10	asian	asian	ADJ
asfbr-2054	226	11	finance	finance	PROPN
asfbr-2054	226	12	&	&	CCONJ
asfbr-2054	226	13	banking	banking	PROPN
asfbr-2054	226	14	review	review	NOUN
asfbr-2054	226	15	7(1	7(1	NUM
asfbr-2054	226	16	)	)	PUNCT
asfbr-2054	226	17	(	(	PUNCT
asfbr-2054	226	18	2023	2023	NUM
asfbr-2054	226	19	)	)	PUNCT
asfbr-2054	226	20	,	,	PUNCT
asfbr-2054	226	21	10	10	NUM
asfbr-2054	226	22	-	-	SYM
asfbr-2054	226	23	16	16	NUM
asfbr-2054	226	24	16	16	NUM
asfbr-2054	226	25	ondiege	ondiege	NOUN
asfbr-2054	226	26	,	,	PUNCT
asfbr-2054	226	27	p.	p.	NOUN
asfbr-2054	226	28	e.	e.	PROPN
asfbr-2054	227	1	t.	t.	PROPN
asfbr-2054	227	2	e.	e.	PROPN
asfbr-2054	227	3	r.	r.	PROPN
asfbr-2054	227	4	(	(	PUNCT
asfbr-2054	227	5	2015	2015	NUM
asfbr-2054	227	6	)	)	PUNCT
asfbr-2054	227	7	.	.	PUNCT
asfbr-2054	228	1	regulatory	regulatory	ADJ
asfbr-2054	228	2	impact	impact	NOUN
asfbr-2054	228	3	on	on	ADP
asfbr-2054	228	4	mobile	mobile	ADJ
asfbr-2054	228	5	money	money	NOUN
asfbr-2054	228	6	and	and	CCONJ
asfbr-2054	228	7	financial	financial	ADJ
asfbr-2054	228	8	inclusion	inclusion	NOUN
asfbr-2054	228	9	in	in	ADP
asfbr-2054	228	10	african	african	ADJ
asfbr-2054	228	11	countries	country	NOUN
asfbr-2054	228	12	-	-	PUNCT
asfbr-2054	228	13	kenya	kenya	PROPN
asfbr-2054	228	14	,	,	PUNCT
asfbr-2054	228	15	nigeria	nigeria	PROPN
asfbr-2054	228	16	,	,	PUNCT
asfbr-2054	228	17	tanzania	tanzania	PROPN
asfbr-2054	228	18	and	and	CCONJ
asfbr-2054	228	19	uganda	uganda	PROPN
asfbr-2054	228	20	.	.	PUNCT
asfbr-2054	229	1	center	center	PROPN
asfbr-2054	229	2	for	for	ADP
asfbr-2054	229	3	global	global	ADJ
asfbr-2054	229	4	development	development	NOUN
asfbr-2054	229	5	(	(	PUNCT
asfbr-2054	229	6	cgd	cgd	PROPN
asfbr-2054	229	7	)	)	PUNCT
asfbr-2054	229	8	,	,	PUNCT
asfbr-2054	229	9	50	50	NUM
asfbr-2054	229	10	.	.	PUNCT
asfbr-2054	230	1	osafo	osafo	PROPN
asfbr-2054	230	2	-	-	PUNCT
asfbr-2054	230	3	kwaako	kwaako	PROPN
asfbr-2054	230	4	,	,	PUNCT
asfbr-2054	230	5	p.	p.	NOUN
asfbr-2054	230	6	,	,	PUNCT
asfbr-2054	230	7	singer	singer	NOUN
asfbr-2054	230	8	,	,	PUNCT
asfbr-2054	230	9	m.	m.	NOUN
asfbr-2054	230	10	,	,	PUNCT
asfbr-2054	230	11	white	white	ADJ
asfbr-2054	230	12	,	,	PUNCT
asfbr-2054	230	13	o.	o.	PROPN
asfbr-2054	230	14	,	,	PUNCT
asfbr-2054	230	15	&	&	CCONJ
asfbr-2054	230	16	zouaoui	zouaoui	PROPN
asfbr-2054	230	17	,	,	PUNCT
asfbr-2054	230	18	y.	y.	PROPN
asfbr-2054	230	19	(	(	PUNCT
asfbr-2054	230	20	2018	2018	NUM
asfbr-2054	230	21	)	)	PUNCT
asfbr-2054	230	22	.	.	PUNCT
asfbr-2054	231	1	mobile	mobile	ADJ
asfbr-2054	231	2	money	money	NOUN
asfbr-2054	231	3	in	in	ADP
asfbr-2054	231	4	emerging	emerge	VERB
asfbr-2054	231	5	markets	market	NOUN
asfbr-2054	231	6	:	:	PUNCT
asfbr-2054	231	7	the	the	DET
asfbr-2054	231	8	business	business	NOUN
asfbr-2054	231	9	case	case	NOUN
asfbr-2054	231	10	for	for	ADP
asfbr-2054	231	11	financial	financial	ADJ
asfbr-2054	231	12	inclusion	inclusion	NOUN
asfbr-2054	231	13	.	.	PUNCT
asfbr-2054	232	1	mckinsey	mckinsey	PROPN
asfbr-2054	232	2	global	global	PROPN
asfbr-2054	232	3	institute	institute	PROPN
asfbr-2054	232	4	,	,	PUNCT
asfbr-2054	232	5	march	march	PROPN
asfbr-2054	232	6	porteous	porteous	NOUN
asfbr-2054	232	7	,	,	PUNCT
asfbr-2054	232	8	d.	d.	PROPN
asfbr-2054	232	9	(	(	PUNCT
asfbr-2054	232	10	2006	2006	NUM
asfbr-2054	232	11	)	)	PUNCT
asfbr-2054	232	12	.	.	PUNCT
asfbr-2054	233	1	“	"	PUNCT
asfbr-2054	233	2	the	the	DET
asfbr-2054	233	3	enabling	enable	VERB
asfbr-2054	233	4	environment	environment	NOUN
asfbr-2054	233	5	for	for	ADP
asfbr-2054	233	6	mobile	mobile	ADJ
asfbr-2054	233	7	banking	banking	NOUN
asfbr-2054	233	8	in	in	ADP
asfbr-2054	233	9	africa	africa	PROPN
asfbr-2054	233	10	.	.	PUNCT
asfbr-2054	233	11	”	"	PUNCT
asfbr-2054	234	1	department	department	NOUN
asfbr-2054	234	2	for	for	ADP
asfbr-2054	234	3	international	international	ADJ
asfbr-2054	234	4	development	development	NOUN
asfbr-2054	234	5	(	(	PUNCT
asfbr-2054	234	6	dfid).3	dfid).3	PROPN
asfbr-2054	234	7	-	-	PUNCT
asfbr-2054	234	8	18	18	NUM
asfbr-2054	234	9	.	.	PUNCT
asfbr-2054	234	10	porteous	porteous	NOUN
asfbr-2054	234	11	,	,	PUNCT
asfbr-2054	234	12	d.	d.	PROPN
asfbr-2054	234	13	(	(	PUNCT
asfbr-2054	234	14	2009	2009	NUM
asfbr-2054	234	15	)	)	PUNCT
asfbr-2054	234	16	.	.	PUNCT
asfbr-2054	235	1	mobilizing	mobilize	VERB
asfbr-2054	235	2	money	money	NOUN
asfbr-2054	235	3	through	through	ADP
asfbr-2054	235	4	enabling	enable	VERB
asfbr-2054	235	5	regulation	regulation	NOUN
asfbr-2054	235	6	.	.	PUNCT
asfbr-2054	236	1	innovations	innovation	NOUN
asfbr-2054	236	2	:	:	PUNCT
asfbr-2054	236	3	technology	technology	NOUN
asfbr-2054	236	4	,	,	PUNCT
asfbr-2054	236	5	governance	governance	NOUN
asfbr-2054	236	6	,	,	PUNCT
asfbr-2054	236	7	globalization	globalization	NOUN
asfbr-2054	236	8	,	,	PUNCT
asfbr-2054	236	9	4(1	4(1	NOUN
asfbr-2054	236	10	)	)	PUNCT
asfbr-2054	236	11	,	,	PUNCT
asfbr-2054	236	12	75	75	NUM
asfbr-2054	236	13	-	-	SYM
asfbr-2054	236	14	90	90	NUM
asfbr-2054	236	15	.	.	PUNCT
asfbr-2054	237	1	https://doi.org/10.1162/itgg.2009.4.1.75	https://doi.org/10.1162/itgg.2009.4.1.75	PROPN
asfbr-2054	237	2	prochaska	prochaska	NOUN
asfbr-2054	237	3	,	,	PUNCT
asfbr-2054	237	4	k.	k.	PROPN
asfbr-2054	237	5	,	,	PUNCT
asfbr-2054	237	6	&	&	CCONJ
asfbr-2054	237	7	brix	brix	PROPN
asfbr-2054	237	8	,	,	PUNCT
asfbr-2054	237	9	l.	l.	PROPN
asfbr-2054	237	10	(	(	PUNCT
asfbr-2054	237	11	2008	2008	NUM
asfbr-2054	237	12	)	)	PUNCT
asfbr-2054	237	13	.	.	PUNCT
asfbr-2054	238	1	regulating	regulate	VERB
asfbr-2054	238	2	transformational	transformational	ADJ
asfbr-2054	238	3	branchless	branchless	NOUN
asfbr-2054	238	4	banking	banking	NOUN
asfbr-2054	238	5	:	:	PUNCT
asfbr-2054	238	6	dispatches	dispatch	NOUN
asfbr-2054	238	7	from	from	ADP
asfbr-2054	238	8	the	the	DET
asfbr-2054	238	9	policy	policy	NOUN
asfbr-2054	238	10	frontlines	frontline	NOUN
asfbr-2054	238	11	.	.	PUNCT
asfbr-2054	239	1	enterprise	enterprise	NOUN
asfbr-2054	239	2	development	development	NOUN
asfbr-2054	239	3	and	and	CCONJ
asfbr-2054	239	4	microfinance	microfinance	NOUN
asfbr-2054	239	5	,	,	PUNCT
asfbr-2054	239	6	19(1	19(1	NUM
asfbr-2054	239	7	)	)	PUNCT
asfbr-2054	239	8	,	,	PUNCT
asfbr-2054	239	9	31	31	NUM
asfbr-2054	239	10	-	-	SYM
asfbr-2054	239	11	45	45	NUM
asfbr-2054	239	12	.	.	PUNCT
asfbr-2054	240	1	https://doi.org/10.3362/1755-1986.2008.004	https://doi.org/10.3362/1755-1986.2008.004	PROPN
asfbr-2054	240	2	stapleton	stapleton	NOUN
asfbr-2054	240	3	,	,	PUNCT
asfbr-2054	240	4	t.	t.	PROPN
asfbr-2054	240	5	(	(	PUNCT
asfbr-2054	240	6	2013	2013	NUM
asfbr-2054	240	7	)	)	PUNCT
asfbr-2054	240	8	.	.	PUNCT
asfbr-2054	241	1	unlocking	unlock	VERB
asfbr-2054	241	2	the	the	DET
asfbr-2054	241	3	transformative	transformative	ADJ
asfbr-2054	241	4	potential	potential	NOUN
asfbr-2054	241	5	of	of	ADP
asfbr-2054	241	6	branchless	branchless	ADJ
asfbr-2054	241	7	banking	banking	NOUN
asfbr-2054	241	8	in	in	ADP
asfbr-2054	241	9	indonesia	indonesia	PROPN
asfbr-2054	241	10	.	.	PUNCT
asfbr-2054	242	1	bulletin	bulletin	PROPN
asfbr-2054	242	2	of	of	ADP
asfbr-2054	242	3	indonesian	indonesian	ADJ
asfbr-2054	242	4	economic	economic	ADJ
asfbr-2054	242	5	studies	study	NOUN
asfbr-2054	242	6	,	,	PUNCT
asfbr-2054	242	7	49(3	49(3	PROPN
asfbr-2054	242	8	)	)	PUNCT
asfbr-2054	242	9	,	,	PUNCT
asfbr-2054	242	10	355	355	NUM
asfbr-2054	242	11	-	-	SYM
asfbr-2054	242	12	380	380	NUM
asfbr-2054	242	13	.	.	PUNCT
asfbr-2054	243	1	https://doi.org/10.1080/00074918.2013.850633	https://doi.org/10.1080/00074918.2013.850633	PROPN
asfbr-2054	243	2	sultana	sultana	PROPN
asfbr-2054	243	3	,	,	PUNCT
asfbr-2054	243	4	r.	r.	PROPN
asfbr-2054	243	5	(	(	PUNCT
asfbr-2054	243	6	2014	2014	NUM
asfbr-2054	243	7	)	)	PUNCT
asfbr-2054	243	8	.	.	PUNCT
asfbr-2054	244	1	mobile	mobile	ADJ
asfbr-2054	244	2	financial	financial	ADJ
asfbr-2054	244	3	services	service	NOUN
asfbr-2054	244	4	(	(	PUNCT
asfbr-2054	244	5	mfs	mfs	PROPN
asfbr-2054	244	6	)	)	PUNCT
asfbr-2054	244	7	business	business	NOUN
asfbr-2054	244	8	and	and	CCONJ
asfbr-2054	244	9	regulations	regulation	NOUN
asfbr-2054	244	10	:	:	PUNCT
asfbr-2054	244	11	evolution	evolution	NOUN
asfbr-2054	244	12	in	in	ADP
asfbr-2054	244	13	south	south	ADJ
asfbr-2054	244	14	asian	asian	ADJ
asfbr-2054	244	15	markets	market	NOUN
asfbr-2054	244	16	,	,	PUNCT
asfbr-2054	244	17	1	1	NUM
asfbr-2054	244	18	-	-	SYM
asfbr-2054	244	19	25	25	NUM
asfbr-2054	244	20	.	.	PUNCT
asfbr-2054	245	1	staschen	staschen	ADV
asfbr-2054	245	2	,	,	PUNCT
asfbr-2054	245	3	s.	s.	PROPN
asfbr-2054	245	4	,	,	PUNCT
asfbr-2054	245	5	&	&	CCONJ
asfbr-2054	245	6	meagher	meagher	PROPN
asfbr-2054	245	7	,	,	PUNCT
asfbr-2054	245	8	p.	p.	PROPN
asfbr-2054	245	9	(	(	PUNCT
asfbr-2054	245	10	2018).basic	2018).basic	NUM
asfbr-2054	245	11	regulatory	regulatory	ADJ
asfbr-2054	245	12	enablers	enabler	NOUN
asfbr-2054	245	13	for	for	ADP
asfbr-2054	245	14	digital	digital	ADJ
asfbr-2054	245	15	financial	financial	ADJ
asfbr-2054	245	16	services	service	NOUN
asfbr-2054	245	17	.	.	PUNCT
asfbr-2054	246	1	focus	focus	NOUN
asfbr-2054	246	2	note	note	NOUN
asfbr-2054	246	3	109	109	NUM
asfbr-2054	246	4	.	.	PUNCT
asfbr-2054	247	1	washington	washington	PROPN
asfbr-2054	247	2	,	,	PUNCT
asfbr-2054	247	3	d.c	d.c	PROPN
asfbr-2054	247	4	.	.	PUNCT
asfbr-2054	247	5	:	:	PUNCT
asfbr-2054	248	1	cgap	cgap	PROPN
asfbr-2054	248	2	.	.	PUNCT
asfbr-2054	249	1	saunders	saunder	NOUN
asfbr-2054	249	2	,	,	PUNCT
asfbr-2054	249	3	m.	m.	NOUN
asfbr-2054	249	4	,	,	PUNCT
asfbr-2054	249	5	lewis	lewis	PROPN
asfbr-2054	249	6	,	,	PUNCT
asfbr-2054	249	7	p.	p.	PROPN
asfbr-2054	249	8	,	,	PUNCT
asfbr-2054	249	9	&	&	CCONJ
asfbr-2054	249	10	thornhill	thornhill	PROPN
asfbr-2054	249	11	,	,	PUNCT
asfbr-2054	249	12	a.	a.	NOUN
asfbr-2054	249	13	(	(	PUNCT
asfbr-2054	249	14	2009	2009	NUM
asfbr-2054	249	15	)	)	PUNCT
asfbr-2054	249	16	.	.	PUNCT
asfbr-2054	250	1	research	research	NOUN
asfbr-2054	250	2	methods	method	NOUN
asfbr-2054	250	3	for	for	ADP
asfbr-2054	250	4	business	business	NOUN
asfbr-2054	250	5	students	student	NOUN
asfbr-2054	250	6	.	.	PUNCT
asfbr-2054	251	1	5th	5th	ADJ
asfbr-2054	251	2	ed	ed	NOUN
asfbr-2054	251	3	.	.	PUNCT
asfbr-2054	252	1	pearson	pearson	PROPN
asfbr-2054	252	2	education	education	PROPN
asfbr-2054	252	3	.	.	PUNCT
asfbr-2054	253	1	england.1	england.1	NOUN
asfbr-2054	253	2	-	-	SYM
asfbr-2054	253	3	649	649	NUM
asfbr-2054	253	4	tabachnick	tabachnick	NOUN
asfbr-2054	253	5	,	,	PUNCT
asfbr-2054	253	6	b.	b.	PROPN
asfbr-2054	253	7	g.	g.	PROPN
asfbr-2054	253	8	,	,	PUNCT
asfbr-2054	253	9	&	&	CCONJ
asfbr-2054	253	10	fidell	fidell	PROPN
asfbr-2054	253	11	,	,	PUNCT
asfbr-2054	253	12	l.	l.	PROPN
asfbr-2054	253	13	s.	s.	PROPN
asfbr-2054	253	14	(	(	PUNCT
asfbr-2054	253	15	2007	2007	NUM
asfbr-2054	253	16	)	)	PUNCT
asfbr-2054	253	17	.	.	PUNCT
asfbr-2054	254	1	experimental	experimental	ADJ
asfbr-2054	254	2	designs	design	NOUN
asfbr-2054	254	3	using	use	VERB
asfbr-2054	254	4	anova	anova	PROPN
asfbr-2054	254	5	(	(	PUNCT
asfbr-2054	254	6	vol	vol	NOUN
asfbr-2054	254	7	.	.	PUNCT
asfbr-2054	254	8	724	724	NUM
asfbr-2054	254	9	)	)	PUNCT
asfbr-2054	254	10	.	.	PUNCT
asfbr-2054	255	1	belmont	belmont	PROPN
asfbr-2054	255	2	,	,	PUNCT
asfbr-2054	255	3	ca	ca	PROPN
asfbr-2054	255	4	:	:	PUNCT
asfbr-2054	255	5	thomson	thomson	PROPN
asfbr-2054	255	6	/	/	SYM
asfbr-2054	255	7	brooks	brooks	PROPN
asfbr-2054	255	8	/	/	SYM
asfbr-2054	255	9	cole	cole	PROPN
asfbr-2054	255	10	.	.	PUNCT
asfbr-2054	256	1	tarazi	tarazi	NOUN
asfbr-2054	256	2	,	,	PUNCT
asfbr-2054	256	3	m.	m.	NOUN
asfbr-2054	256	4	,	,	PUNCT
asfbr-2054	256	5	&	&	CCONJ
asfbr-2054	256	6	breloff	breloff	NOUN
asfbr-2054	256	7	,	,	PUNCT
asfbr-2054	256	8	p.	p.	NOUN
asfbr-2054	256	9	(	(	PUNCT
asfbr-2054	256	10	2010	2010	NUM
asfbr-2054	256	11	)	)	PUNCT
asfbr-2054	256	12	.	.	PUNCT
asfbr-2054	257	1	nonbank	nonbank	PROPN
asfbr-2054	257	2	e	e	NOUN
asfbr-2054	257	3	-	-	NOUN
asfbr-2054	257	4	money	money	NOUN
asfbr-2054	257	5	issuers	issuer	NOUN
asfbr-2054	257	6	:	:	PUNCT
asfbr-2054	257	7	regulatory	regulatory	ADJ
asfbr-2054	257	8	approaches	approach	NOUN
asfbr-2054	257	9	to	to	ADP
asfbr-2054	257	10	protecting	protect	VERB
asfbr-2054	257	11	customer	customer	NOUN
asfbr-2054	257	12	funds	fund	NOUN
asfbr-2054	257	13	.	.	PUNCT
asfbr-2054	258	1	focus	focus	NOUN
asfbr-2054	258	2	note	note	NOUN
asfbr-2054	258	3	,	,	PUNCT
asfbr-2054	258	4	63	63	NUM
asfbr-2054	258	5	,	,	PUNCT
asfbr-2054	258	6	1	1	NUM
asfbr-2054	258	7	-	-	SYM
asfbr-2054	258	8	10	10	NUM
asfbr-2054	258	9	.	.	PUNCT
asfbr-2054	258	10	,	,	PUNCT
asfbr-2054	258	11	washington	washington	PROPN
asfbr-2054	258	12	,	,	PUNCT
asfbr-2054	258	13	d.c	d.c	PROPN
asfbr-2054	258	14	.	.	PROPN
asfbr-2054	258	15	weber	weber	PROPN
asfbr-2054	258	16	,	,	PUNCT
asfbr-2054	258	17	r.	r.	PROPN
asfbr-2054	258	18	h.	h.	PROPN
asfbr-2054	258	19	,	,	PUNCT
asfbr-2054	258	20	&	&	CCONJ
asfbr-2054	258	21	darbellay	darbellay	NOUN
asfbr-2054	258	22	,	,	PUNCT
asfbr-2054	258	23	a.	a.	NOUN
asfbr-2054	258	24	(	(	PUNCT
asfbr-2054	258	25	2010	2010	NUM
asfbr-2054	258	26	)	)	PUNCT
asfbr-2054	258	27	.	.	PUNCT
asfbr-2054	259	1	legal	legal	ADJ
asfbr-2054	259	2	issues	issue	NOUN
asfbr-2054	259	3	in	in	ADP
asfbr-2054	259	4	mobile	mobile	ADJ
asfbr-2054	259	5	banking	banking	NOUN
asfbr-2054	259	6	.	.	PUNCT
asfbr-2054	260	1	journal	journal	PROPN
asfbr-2054	260	2	of	of	ADP
asfbr-2054	260	3	banking	banking	NOUN
asfbr-2054	260	4	regulation	regulation	NOUN
asfbr-2054	260	5	,	,	PUNCT
asfbr-2054	260	6	11	11	NUM
asfbr-2054	260	7	,	,	PUNCT
asfbr-2054	260	8	129	129	NUM
asfbr-2054	260	9	-	-	SYM
asfbr-2054	260	10	145	145	NUM
asfbr-2054	260	11	.	.	PUNCT
asfbr-2054	261	1	https://doi.org/10.1057/jbr.2009.16	https://doi.org/10.1057/jbr.2009.16	PROPN
asfbr-2054	261	2	publisher	publisher	NOUN
asfbr-2054	261	3	’s	’s	PART
asfbr-2054	261	4	note	note	NOUN
asfbr-2054	261	5	:	:	PUNCT
asfbr-2054	261	6	cribfb	cribfb	PROPN
asfbr-2054	261	7	stays	stay	VERB
asfbr-2054	261	8	neutral	neutral	ADJ
asfbr-2054	261	9	with	with	ADP
asfbr-2054	261	10	regard	regard	NOUN
asfbr-2054	261	11	to	to	ADP
asfbr-2054	261	12	jurisdictional	jurisdictional	ADJ
asfbr-2054	261	13	claims	claim	NOUN
asfbr-2054	261	14	in	in	ADP
asfbr-2054	261	15	published	publish	VERB
asfbr-2054	261	16	maps	map	NOUN
asfbr-2054	261	17	and	and	CCONJ
asfbr-2054	261	18	institutional	institutional	ADJ
asfbr-2054	261	19	affiliations	affiliation	NOUN
asfbr-2054	261	20	.	.	PUNCT
asfbr-2054	262	1	©	©	ADP
asfbr-2054	262	2	2023	2023	NUM
asfbr-2054	262	3	by	by	ADP
asfbr-2054	262	4	the	the	DET
asfbr-2054	262	5	authors	author	NOUN
asfbr-2054	262	6	.	.	PUNCT
asfbr-2054	263	1	licensee	licensee	PROPN
asfbr-2054	263	2	cribfb	cribfb	PROPN
asfbr-2054	263	3	,	,	PUNCT
asfbr-2054	263	4	usa	usa	PROPN
asfbr-2054	263	5	.	.	PROPN
asfbr-2054	264	1	this	this	DET
asfbr-2054	264	2	article	article	NOUN
asfbr-2054	264	3	is	be	AUX
asfbr-2054	264	4	an	an	DET
asfbr-2054	264	5	open	open	ADJ
asfbr-2054	264	6	access	access	NOUN
asfbr-2054	264	7	article	article	NOUN
asfbr-2054	264	8	distributed	distribute	VERB
asfbr-2054	264	9	under	under	ADP
asfbr-2054	264	10	the	the	DET
asfbr-2054	264	11	terms	term	NOUN
asfbr-2054	264	12	and	and	CCONJ
asfbr-2054	264	13	conditions	condition	NOUN
asfbr-2054	264	14	of	of	ADP
asfbr-2054	264	15	the	the	DET
asfbr-2054	264	16	creative	creative	ADJ
asfbr-2054	264	17	commons	common	NOUN
asfbr-2054	264	18	attribution	attribution	NOUN
asfbr-2054	264	19	(	(	PUNCT
asfbr-2054	264	20	cc	cc	NOUN
asfbr-2054	264	21	by	by	ADP
asfbr-2054	264	22	)	)	PUNCT
asfbr-2054	264	23	license	license	NOUN
asfbr-2054	264	24	(	(	PUNCT
asfbr-2054	264	25	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
asfbr-2054	264	26	)	)	PUNCT
asfbr-2054	264	27	.	.	PUNCT
asfbr-2054	265	1	asian	asian	PROPN
asfbr-2054	265	2	finance	finance	PROPN
asfbr-2054	265	3	&	&	CCONJ
asfbr-2054	265	4	banking	banking	PROPN
asfbr-2054	265	5	review	review	NOUN
asfbr-2054	265	6	(	(	PUNCT
asfbr-2054	265	7	p	p	NOUN
asfbr-2054	265	8	-	-	PUNCT
asfbr-2054	265	9	issn	issn	VERB
asfbr-2054	265	10	2576	2576	NUM
asfbr-2054	265	11	-	-	SYM
asfbr-2054	265	12	1161	1161	NUM
asfbr-2054	265	13	e	e	NOUN
asfbr-2054	265	14	-	-	NOUN
asfbr-2054	265	15	issn	issn	VERB
asfbr-2054	265	16	2576	2576	NUM
asfbr-2054	265	17	-	-	SYM
asfbr-2054	265	18	1188	1188	NUM
asfbr-2054	265	19	)	)	PUNCT
asfbr-2054	265	20	by	by	ADP
asfbr-2054	265	21	cribfb	cribfb	PROPN
asfbr-2054	265	22	is	be	AUX
asfbr-2054	265	23	licensed	license	VERB
asfbr-2054	265	24	under	under	ADP
asfbr-2054	265	25	a	a	DET
asfbr-2054	265	26	creative	creative	ADJ
asfbr-2054	265	27	commons	common	NOUN
asfbr-2054	265	28	attribution	attribution	NOUN
asfbr-2054	265	29	4.0	4.0	NUM
asfbr-2054	265	30	international	international	ADJ
asfbr-2054	265	31	license	license	NOUN
asfbr-2054	265	32	.	.	PUNCT
asfbr-2054	266	1	https://doi.org/10.3362/1755-1986.2008.004	https://doi.org/10.3362/1755-1986.2008.004	PROPN
asfbr-2054	266	2	https://doi.org/10.1080/00074918.2013.850633	https://doi.org/10.1080/00074918.2013.850633	PROPN
asfbr-2054	266	3	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
asfbr-2054	266	4	)	)	PUNCT
asfbr-2054	266	5	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
asfbr-2054	266	6	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
