id	sid	tid	token	lemma	pos
ajfa-6268	1	1	microsoft	microsoft	PROPN
ajfa-6268	1	2	word	word	NOUN
ajfa-6268	1	3	6268	6268	NUM
ajfa-6268	1	4	-	-	SYM
ajfa-6268	1	5	22532	22532	NUM
ajfa-6268	1	6	-	-	PUNCT
ajfa-6268	1	7	1	1	NUM
ajfa-6268	1	8	-	-	PUNCT
ajfa-6268	1	9	sm	sm	NOUN
ajfa-6268	1	10	-	-	PUNCT
ajfa-6268	1	11	writer2	writer2	VERB
ajfa-6268	1	12	-	-	ADJ
ajfa-6268	1	13	new	new	ADJ
ajfa-6268	1	14	asian	asian	ADJ
ajfa-6268	1	15	journal	journal	NOUN
ajfa-6268	1	16	of	of	ADP
ajfa-6268	1	17	finance	finance	PROPN
ajfa-6268	1	18	&	&	CCONJ
ajfa-6268	1	19	accounting	accounting	PROPN
ajfa-6268	1	20	issn	issn	PROPN
ajfa-6268	1	21	1946	1946	NUM
ajfa-6268	1	22	-	-	PUNCT
ajfa-6268	1	23	052x	052x	PROPN
ajfa-6268	1	24	2014	2014	NUM
ajfa-6268	1	25	,	,	PUNCT
ajfa-6268	1	26	vol	vol	NOUN
ajfa-6268	1	27	.	.	PROPN
ajfa-6268	1	28	6	6	NUM
ajfa-6268	1	29	,	,	PUNCT
ajfa-6268	1	30	no	no	INTJ
ajfa-6268	1	31	.	.	NOUN
ajfa-6268	1	32	2	2	NUM
ajfa-6268	1	33	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-6268	1	34	362	362	NUM
ajfa-6268	1	35	impact	impact	NOUN
ajfa-6268	1	36	of	of	ADP
ajfa-6268	1	37	cashless	cashless	NOUN
ajfa-6268	1	38	banking	banking	NOUN
ajfa-6268	1	39	on	on	ADP
ajfa-6268	1	40	banks	bank	NOUN
ajfa-6268	1	41	’	'	PUNCT
ajfa-6268	1	42	profitability	profitability	NOUN
ajfa-6268	1	43	(	(	PUNCT
ajfa-6268	1	44	evidence	evidence	NOUN
ajfa-6268	1	45	from	from	ADP
ajfa-6268	1	46	nigeria	nigeria	PROPN
ajfa-6268	1	47	)	)	PUNCT
ajfa-6268	1	48	alagh	alagh	PROPN
ajfa-6268	1	49	jacinta	jacinta	PROPN
ajfa-6268	1	50	itah	itah	PROPN
ajfa-6268	1	51	accounting	accounting	PROPN
ajfa-6268	1	52	department	department	PROPN
ajfa-6268	1	53	,	,	PUNCT
ajfa-6268	1	54	bingham	bingham	PROPN
ajfa-6268	1	55	university	university	PROPN
ajfa-6268	1	56	,	,	PUNCT
ajfa-6268	1	57	new	new	PROPN
ajfa-6268	1	58	karu	karu	PROPN
ajfa-6268	1	59	,	,	PUNCT
ajfa-6268	1	60	nasarawa	nasarawa	PROPN
ajfa-6268	1	61	state	state	PROPN
ajfa-6268	1	62	,	,	PUNCT
ajfa-6268	1	63	nigeria	nigeria	PROPN
ajfa-6268	1	64	e	e	NOUN
ajfa-6268	1	65	-	-	NOUN
ajfa-6268	1	66	mail	mail	NOUN
ajfa-6268	1	67	:	:	PUNCT
ajfa-6268	1	68	jacinta.itah@gmail.com	jacinta.itah@gmail.com	PROPN
ajfa-6268	1	69	emeka	emeka	PROPN
ajfa-6268	1	70	e.	e.	PROPN
ajfa-6268	1	71	ene	ene	PROPN
ajfa-6268	1	72	(	(	PUNCT
ajfa-6268	1	73	ph	ph	PROPN
ajfa-6268	1	74	.	.	PROPN
ajfa-6268	2	1	d	d	PROPN
ajfa-6268	2	2	,	,	PUNCT
ajfa-6268	2	3	fca	fca	PROPN
ajfa-6268	2	4	)	)	PUNCT
ajfa-6268	2	5	(	(	PUNCT
ajfa-6268	2	6	corresponding	correspond	VERB
ajfa-6268	2	7	author	author	NOUN
ajfa-6268	2	8	)	)	PUNCT
ajfa-6268	2	9	accounting	accounting	NOUN
ajfa-6268	2	10	department	department	PROPN
ajfa-6268	2	11	,	,	PUNCT
ajfa-6268	2	12	bingham	bingham	PROPN
ajfa-6268	2	13	university	university	PROPN
ajfa-6268	2	14	,	,	PUNCT
ajfa-6268	2	15	new	new	PROPN
ajfa-6268	2	16	karu	karu	PROPN
ajfa-6268	2	17	,	,	PUNCT
ajfa-6268	2	18	nasarawa	nasarawa	PROPN
ajfa-6268	2	19	state	state	PROPN
ajfa-6268	2	20	,	,	PUNCT
ajfa-6268	2	21	nigeria	nigeria	PROPN
ajfa-6268	2	22	e	e	NOUN
ajfa-6268	2	23	-	-	NOUN
ajfa-6268	2	24	mail	mail	NOUN
ajfa-6268	2	25	:	:	PUNCT
ajfa-6268	2	26	eneelemeka@yahoo.com	eneelemeka@yahoo.com	X
ajfa-6268	2	27	received	receive	VERB
ajfa-6268	2	28	:	:	PUNCT
ajfa-6268	3	1	sep	sep	INTJ
ajfa-6268	3	2	.	.	PROPN
ajfa-6268	3	3	4	4	NUM
ajfa-6268	3	4	,	,	PUNCT
ajfa-6268	3	5	2014	2014	NUM
ajfa-6268	3	6	accepted	accept	VERB
ajfa-6268	3	7	:	:	PUNCT
ajfa-6268	3	8	oct	oct	PROPN
ajfa-6268	3	9	.	.	PROPN
ajfa-6268	3	10	17	17	NUM
ajfa-6268	3	11	,	,	PUNCT
ajfa-6268	3	12	2014	2014	NUM
ajfa-6268	3	13	published	publish	VERB
ajfa-6268	3	14	:	:	PUNCT
ajfa-6268	3	15	december	december	PROPN
ajfa-6268	3	16	1	1	NUM
ajfa-6268	3	17	,	,	PUNCT
ajfa-6268	3	18	2014	2014	NUM
ajfa-6268	3	19	doi:10.5296	doi:10.5296	NOUN
ajfa-6268	3	20	/	/	SYM
ajfa-6268	3	21	ajfa.v6i2.6268	ajfa.v6i2.6268	DET
ajfa-6268	3	22	url	url	PROPN
ajfa-6268	3	23	:	:	PUNCT
ajfa-6268	3	24	http://dx.doi.org/10.5296/ajfa.v6i2.6268	http://dx.doi.org/10.5296/ajfa.v6i2.6268	X
ajfa-6268	3	25	abstract	abstract	VERB
ajfa-6268	3	26	the	the	DET
ajfa-6268	3	27	quest	quest	NOUN
ajfa-6268	3	28	for	for	ADP
ajfa-6268	3	29	global	global	ADJ
ajfa-6268	3	30	relevance	relevance	NOUN
ajfa-6268	3	31	and	and	CCONJ
ajfa-6268	3	32	sustainable	sustainable	ADJ
ajfa-6268	3	33	development	development	NOUN
ajfa-6268	3	34	had	have	AUX
ajfa-6268	3	35	led	lead	VERB
ajfa-6268	3	36	to	to	ADP
ajfa-6268	3	37	wide	wide	ADJ
ajfa-6268	3	38	exploitation	exploitation	NOUN
ajfa-6268	3	39	of	of	ADP
ajfa-6268	3	40	the	the	DET
ajfa-6268	3	41	benefits	benefit	NOUN
ajfa-6268	3	42	of	of	ADP
ajfa-6268	3	43	cashless	cashless	NOUN
ajfa-6268	3	44	banking	banking	NOUN
ajfa-6268	3	45	in	in	ADP
ajfa-6268	3	46	payments	payment	NOUN
ajfa-6268	3	47	system	system	NOUN
ajfa-6268	3	48	of	of	ADP
ajfa-6268	3	49	nigerian	nigerian	ADJ
ajfa-6268	3	50	banks	bank	NOUN
ajfa-6268	3	51	.	.	PUNCT
ajfa-6268	4	1	the	the	DET
ajfa-6268	4	2	study	study	NOUN
ajfa-6268	4	3	examines	examine	VERB
ajfa-6268	4	4	the	the	DET
ajfa-6268	4	5	impact	impact	NOUN
ajfa-6268	4	6	of	of	ADP
ajfa-6268	4	7	cashless	cashless	NOUN
ajfa-6268	4	8	banking	banking	NOUN
ajfa-6268	4	9	on	on	ADP
ajfa-6268	4	10	the	the	DET
ajfa-6268	4	11	profitability	profitability	NOUN
ajfa-6268	4	12	of	of	ADP
ajfa-6268	4	13	banks	bank	NOUN
ajfa-6268	4	14	in	in	ADP
ajfa-6268	4	15	nigeria	nigeria	PROPN
ajfa-6268	4	16	.	.	PUNCT
ajfa-6268	5	1	the	the	DET
ajfa-6268	5	2	study	study	NOUN
ajfa-6268	5	3	used	use	VERB
ajfa-6268	5	4	proxies	proxy	NOUN
ajfa-6268	5	5	for	for	ADP
ajfa-6268	5	6	cashless	cashless	NOUN
ajfa-6268	5	7	banking	banking	NOUN
ajfa-6268	5	8	such	such	ADJ
ajfa-6268	5	9	as	as	ADP
ajfa-6268	5	10	automated	automate	VERB
ajfa-6268	5	11	teller	teller	NOUN
ajfa-6268	5	12	machine	machine	NOUN
ajfa-6268	5	13	(	(	PUNCT
ajfa-6268	5	14	atm	atm	NOUN
ajfa-6268	5	15	)	)	PUNCT
ajfa-6268	5	16	,	,	PUNCT
ajfa-6268	5	17	point	point	NOUN
ajfa-6268	5	18	of	of	ADP
ajfa-6268	5	19	sale	sale	NOUN
ajfa-6268	5	20	(	(	PUNCT
ajfa-6268	5	21	pos	pos	NOUN
ajfa-6268	5	22	)	)	PUNCT
ajfa-6268	5	23	,	,	PUNCT
ajfa-6268	5	24	and	and	CCONJ
ajfa-6268	5	25	web	web	NOUN
ajfa-6268	5	26	based	base	VERB
ajfa-6268	5	27	transaction	transaction	NOUN
ajfa-6268	5	28	(	(	PUNCT
ajfa-6268	5	29	wbt	wbt	PROPN
ajfa-6268	5	30	)	)	PUNCT
ajfa-6268	5	31	to	to	PART
ajfa-6268	5	32	examine	examine	VERB
ajfa-6268	5	33	its	its	PRON
ajfa-6268	5	34	impact	impact	NOUN
ajfa-6268	5	35	on	on	ADP
ajfa-6268	5	36	the	the	DET
ajfa-6268	5	37	aggregate	aggregate	ADJ
ajfa-6268	5	38	return	return	NOUN
ajfa-6268	5	39	on	on	ADP
ajfa-6268	5	40	equity	equity	NOUN
ajfa-6268	5	41	(	(	PUNCT
ajfa-6268	5	42	roe	roe	PROPN
ajfa-6268	5	43	)	)	PUNCT
ajfa-6268	5	44	of	of	ADP
ajfa-6268	5	45	deposit	deposit	NOUN
ajfa-6268	5	46	money	money	NOUN
ajfa-6268	5	47	banks	bank	NOUN
ajfa-6268	5	48	in	in	ADP
ajfa-6268	5	49	nigeria	nigeria	PROPN
ajfa-6268	5	50	,	,	PUNCT
ajfa-6268	5	51	through	through	ADP
ajfa-6268	5	52	an	an	DET
ajfa-6268	5	53	ordinary	ordinary	ADJ
ajfa-6268	5	54	least	least	ADJ
ajfa-6268	5	55	square	square	ADJ
ajfa-6268	5	56	(	(	PUNCT
ajfa-6268	5	57	ols	ol	NOUN
ajfa-6268	5	58	)	)	PUNCT
ajfa-6268	5	59	multiple	multiple	ADJ
ajfa-6268	5	60	regression	regression	NOUN
ajfa-6268	5	61	method	method	NOUN
ajfa-6268	5	62	of	of	ADP
ajfa-6268	5	63	analysis	analysis	NOUN
ajfa-6268	5	64	.	.	PUNCT
ajfa-6268	6	1	the	the	DET
ajfa-6268	6	2	result	result	NOUN
ajfa-6268	6	3	showed	show	VERB
ajfa-6268	6	4	that	that	SCONJ
ajfa-6268	6	5	atm	atm	NOUN
ajfa-6268	6	6	and	and	CCONJ
ajfa-6268	6	7	pos	pos	NOUN
ajfa-6268	6	8	are	be	AUX
ajfa-6268	6	9	positively	positively	ADV
ajfa-6268	6	10	related	relate	VERB
ajfa-6268	6	11	to	to	ADP
ajfa-6268	6	12	roe	roe	NOUN
ajfa-6268	6	13	,	,	PUNCT
ajfa-6268	6	14	while	while	SCONJ
ajfa-6268	6	15	wbt	wbt	PROPN
ajfa-6268	6	16	related	relate	VERB
ajfa-6268	6	17	negatively	negatively	ADV
ajfa-6268	6	18	to	to	ADP
ajfa-6268	6	19	roe	roe	PROPN
ajfa-6268	6	20	.	.	PUNCT
ajfa-6268	7	1	this	this	PRON
ajfa-6268	7	2	is	be	AUX
ajfa-6268	7	3	as	as	ADP
ajfa-6268	7	4	a	a	DET
ajfa-6268	7	5	result	result	NOUN
ajfa-6268	7	6	of	of	ADP
ajfa-6268	7	7	high	high	ADJ
ajfa-6268	7	8	rates	rate	NOUN
ajfa-6268	7	9	of	of	ADP
ajfa-6268	7	10	bank	bank	NOUN
ajfa-6268	7	11	charges	charge	NOUN
ajfa-6268	7	12	on	on	ADP
ajfa-6268	7	13	online	online	ADJ
ajfa-6268	7	14	deposits	deposit	NOUN
ajfa-6268	7	15	and	and	CCONJ
ajfa-6268	7	16	as	as	ADP
ajfa-6268	7	17	a	a	DET
ajfa-6268	7	18	result	result	NOUN
ajfa-6268	7	19	,	,	PUNCT
ajfa-6268	7	20	most	most	ADJ
ajfa-6268	7	21	customers	customer	NOUN
ajfa-6268	7	22	do	do	AUX
ajfa-6268	7	23	not	not	PART
ajfa-6268	7	24	patronize	patronize	VERB
ajfa-6268	7	25	the	the	DET
ajfa-6268	7	26	product	product	NOUN
ajfa-6268	7	27	.	.	PUNCT
ajfa-6268	8	1	non	non	ADJ
ajfa-6268	8	2	-	-	NOUN
ajfa-6268	8	3	usage	usage	NOUN
ajfa-6268	8	4	of	of	ADP
ajfa-6268	8	5	the	the	DET
ajfa-6268	8	6	wbt	wbt	PROPN
ajfa-6268	8	7	for	for	ADP
ajfa-6268	8	8	online	online	ADJ
ajfa-6268	8	9	deposits	deposit	NOUN
ajfa-6268	8	10	had	have	AUX
ajfa-6268	8	11	created	create	VERB
ajfa-6268	8	12	a	a	DET
ajfa-6268	8	13	negative	negative	ADJ
ajfa-6268	8	14	impact	impact	NOUN
ajfa-6268	8	15	on	on	ADP
ajfa-6268	8	16	profitability	profitability	NOUN
ajfa-6268	8	17	of	of	ADP
ajfa-6268	8	18	nigerian	nigerian	ADJ
ajfa-6268	8	19	banks	bank	NOUN
ajfa-6268	8	20	.	.	PUNCT
ajfa-6268	9	1	recommendations	recommendation	NOUN
ajfa-6268	9	2	were	be	AUX
ajfa-6268	9	3	made	make	VERB
ajfa-6268	9	4	among	among	ADP
ajfa-6268	9	5	which	which	PRON
ajfa-6268	9	6	are	be	AUX
ajfa-6268	9	7	that	that	SCONJ
ajfa-6268	9	8	banks	bank	NOUN
ajfa-6268	9	9	should	should	AUX
ajfa-6268	9	10	provide	provide	VERB
ajfa-6268	9	11	a	a	DET
ajfa-6268	9	12	sufficient	sufficient	ADJ
ajfa-6268	9	13	standby	standby	NOUN
ajfa-6268	9	14	generators	generator	NOUN
ajfa-6268	9	15	that	that	PRON
ajfa-6268	9	16	could	could	AUX
ajfa-6268	9	17	be	be	AUX
ajfa-6268	9	18	used	use	VERB
ajfa-6268	9	19	in	in	ADP
ajfa-6268	9	20	case	case	NOUN
ajfa-6268	9	21	of	of	ADP
ajfa-6268	9	22	electricity	electricity	NOUN
ajfa-6268	9	23	failure	failure	NOUN
ajfa-6268	9	24	,	,	PUNCT
ajfa-6268	9	25	provide	provide	VERB
ajfa-6268	9	26	adequate	adequate	ADJ
ajfa-6268	9	27	ict	ict	NOUN
ajfa-6268	9	28	infrastructure	infrastructure	NOUN
ajfa-6268	9	29	and	and	CCONJ
ajfa-6268	9	30	management	management	NOUN
ajfa-6268	9	31	framework	framework	NOUN
ajfa-6268	9	32	,	,	PUNCT
ajfa-6268	9	33	and	and	CCONJ
ajfa-6268	9	34	enlighten	enlighten	VERB
ajfa-6268	9	35	the	the	DET
ajfa-6268	9	36	public	public	NOUN
ajfa-6268	9	37	on	on	ADP
ajfa-6268	9	38	the	the	DET
ajfa-6268	9	39	importance	importance	NOUN
ajfa-6268	9	40	of	of	ADP
ajfa-6268	9	41	using	use	VERB
ajfa-6268	9	42	ict	ict	PROPN
ajfa-6268	9	43	banking	banking	NOUN
ajfa-6268	9	44	products	product	NOUN
ajfa-6268	9	45	.	.	PUNCT
ajfa-6268	10	1	keywords	keyword	NOUN
ajfa-6268	10	2	:	:	PUNCT
ajfa-6268	10	3	cashless	cashless	NOUN
ajfa-6268	10	4	banking	banking	NOUN
ajfa-6268	10	5	,	,	PUNCT
ajfa-6268	10	6	point	point	NOUN
ajfa-6268	10	7	of	of	ADP
ajfa-6268	10	8	sale	sale	NOUN
ajfa-6268	10	9	,	,	PUNCT
ajfa-6268	10	10	automated	automate	VERB
ajfa-6268	10	11	teller	teller	NOUN
ajfa-6268	10	12	machine	machine	NOUN
ajfa-6268	10	13	,	,	PUNCT
ajfa-6268	10	14	web	web	NOUN
ajfa-6268	10	15	based	base	VERB
ajfa-6268	10	16	transaction	transaction	NOUN
ajfa-6268	10	17	,	,	PUNCT
ajfa-6268	10	18	profitability	profitability	NOUN
ajfa-6268	10	19	,	,	PUNCT
ajfa-6268	10	20	payment	payment	NOUN
ajfa-6268	10	21	system	system	NOUN
ajfa-6268	10	22	asian	asian	ADJ
ajfa-6268	10	23	journal	journal	NOUN
ajfa-6268	10	24	of	of	ADP
ajfa-6268	10	25	finance	finance	PROPN
ajfa-6268	10	26	&	&	CCONJ
ajfa-6268	10	27	accounting	accounting	PROPN
ajfa-6268	10	28	issn	issn	PROPN
ajfa-6268	10	29	1946	1946	NUM
ajfa-6268	10	30	-	-	PUNCT
ajfa-6268	10	31	052x	052x	PROPN
ajfa-6268	10	32	2014	2014	NUM
ajfa-6268	10	33	,	,	PUNCT
ajfa-6268	10	34	vol	vol	NOUN
ajfa-6268	10	35	.	.	PROPN
ajfa-6268	11	1	6	6	NUM
ajfa-6268	11	2	,	,	PUNCT
ajfa-6268	11	3	no	no	INTJ
ajfa-6268	11	4	.	.	NOUN
ajfa-6268	11	5	2	2	NUM
ajfa-6268	11	6	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NOUN
ajfa-6268	11	7	363	363	NUM
ajfa-6268	11	8	1	1	NUM
ajfa-6268	11	9	.	.	PUNCT
ajfa-6268	12	1	introduction	introduction	VERB
ajfa-6268	12	2	the	the	DET
ajfa-6268	12	3	importance	importance	NOUN
ajfa-6268	12	4	of	of	ADP
ajfa-6268	12	5	managing	manage	VERB
ajfa-6268	12	6	the	the	DET
ajfa-6268	12	7	economy	economy	NOUN
ajfa-6268	12	8	efficiently	efficiently	ADV
ajfa-6268	12	9	can	can	AUX
ajfa-6268	12	10	not	not	PART
ajfa-6268	12	11	be	be	AUX
ajfa-6268	12	12	over	over	ADV
ajfa-6268	12	13	emphasized	emphasize	VERB
ajfa-6268	12	14	.	.	PUNCT
ajfa-6268	13	1	the	the	DET
ajfa-6268	13	2	monetary	monetary	ADJ
ajfa-6268	13	3	authorities	authority	NOUN
ajfa-6268	13	4	,	,	PUNCT
ajfa-6268	13	5	by	by	ADP
ajfa-6268	13	6	controlling	control	VERB
ajfa-6268	13	7	the	the	DET
ajfa-6268	13	8	supply	supply	NOUN
ajfa-6268	13	9	of	of	ADP
ajfa-6268	13	10	money	money	NOUN
ajfa-6268	13	11	,	,	PUNCT
ajfa-6268	13	12	maintain	maintain	VERB
ajfa-6268	13	13	price	price	NOUN
ajfa-6268	13	14	stability	stability	NOUN
ajfa-6268	13	15	and	and	CCONJ
ajfa-6268	13	16	influence	influence	NOUN
ajfa-6268	13	17	economic	economic	ADJ
ajfa-6268	13	18	activities	activity	NOUN
ajfa-6268	13	19	especially	especially	ADV
ajfa-6268	13	20	when	when	SCONJ
ajfa-6268	13	21	combined	combine	VERB
ajfa-6268	13	22	with	with	ADP
ajfa-6268	13	23	appropriate	appropriate	ADJ
ajfa-6268	13	24	fiscal	fiscal	ADJ
ajfa-6268	13	25	measures	measure	NOUN
ajfa-6268	13	26	.	.	PUNCT
ajfa-6268	14	1	the	the	DET
ajfa-6268	14	2	banking	banking	NOUN
ajfa-6268	14	3	system	system	NOUN
ajfa-6268	14	4	remains	remain	VERB
ajfa-6268	14	5	the	the	DET
ajfa-6268	14	6	major	major	ADJ
ajfa-6268	14	7	channel	channel	NOUN
ajfa-6268	14	8	for	for	ADP
ajfa-6268	14	9	monetary	monetary	ADJ
ajfa-6268	14	10	control	control	NOUN
ajfa-6268	14	11	by	by	ADP
ajfa-6268	14	12	the	the	DET
ajfa-6268	14	13	central	central	ADJ
ajfa-6268	14	14	bank	bank	PROPN
ajfa-6268	14	15	of	of	ADP
ajfa-6268	14	16	nigeria	nigeria	PROPN
ajfa-6268	14	17	(	(	PUNCT
ajfa-6268	14	18	cbn	cbn	PROPN
ajfa-6268	14	19	)	)	PUNCT
ajfa-6268	14	20	and	and	CCONJ
ajfa-6268	14	21	the	the	DET
ajfa-6268	14	22	monetary	monetary	ADJ
ajfa-6268	14	23	authorities	authority	NOUN
ajfa-6268	14	24	in	in	ADP
ajfa-6268	14	25	general	general	ADJ
ajfa-6268	14	26	.	.	PUNCT
ajfa-6268	15	1	unfortunately	unfortunately	ADV
ajfa-6268	15	2	,	,	PUNCT
ajfa-6268	15	3	it	it	PRON
ajfa-6268	15	4	is	be	AUX
ajfa-6268	15	5	estimated	estimate	VERB
ajfa-6268	15	6	that	that	SCONJ
ajfa-6268	15	7	about	about	ADV
ajfa-6268	15	8	65	65	NUM
ajfa-6268	15	9	%	%	NOUN
ajfa-6268	15	10	of	of	ADP
ajfa-6268	15	11	the	the	DET
ajfa-6268	15	12	cash	cash	NOUN
ajfa-6268	15	13	in	in	ADP
ajfa-6268	15	14	circulation	circulation	NOUN
ajfa-6268	15	15	in	in	ADP
ajfa-6268	15	16	the	the	DET
ajfa-6268	15	17	nigerian	nigerian	ADJ
ajfa-6268	15	18	economy	economy	NOUN
ajfa-6268	15	19	is	be	AUX
ajfa-6268	15	20	outside	outside	ADP
ajfa-6268	15	21	of	of	ADP
ajfa-6268	15	22	the	the	DET
ajfa-6268	15	23	banking	banking	NOUN
ajfa-6268	15	24	system	system	NOUN
ajfa-6268	15	25	,	,	PUNCT
ajfa-6268	15	26	thus	thus	ADV
ajfa-6268	15	27	severely	severely	ADV
ajfa-6268	15	28	limiting	limit	VERB
ajfa-6268	15	29	the	the	DET
ajfa-6268	15	30	impact	impact	NOUN
ajfa-6268	15	31	of	of	ADP
ajfa-6268	15	32	the	the	DET
ajfa-6268	15	33	cbn	cbn	PROPN
ajfa-6268	15	34	’s	’s	PART
ajfa-6268	15	35	efforts	effort	NOUN
ajfa-6268	15	36	at	at	ADP
ajfa-6268	15	37	price	price	NOUN
ajfa-6268	15	38	and	and	CCONJ
ajfa-6268	15	39	economic	economic	ADJ
ajfa-6268	15	40	stabilization	stabilization	NOUN
ajfa-6268	15	41	(	(	PUNCT
ajfa-6268	15	42	cbn	cbn	PROPN
ajfa-6268	15	43	2011	2011	NUM
ajfa-6268	15	44	)	)	PUNCT
ajfa-6268	15	45	.	.	PUNCT
ajfa-6268	16	1	consequently	consequently	ADV
ajfa-6268	16	2	,	,	PUNCT
ajfa-6268	16	3	the	the	DET
ajfa-6268	16	4	amount	amount	NOUN
ajfa-6268	16	5	of	of	ADP
ajfa-6268	16	6	money	money	NOUN
ajfa-6268	16	7	in	in	ADP
ajfa-6268	16	8	the	the	DET
ajfa-6268	16	9	form	form	NOUN
ajfa-6268	16	10	of	of	ADP
ajfa-6268	16	11	deposits	deposit	NOUN
ajfa-6268	16	12	available	available	ADJ
ajfa-6268	16	13	to	to	ADP
ajfa-6268	16	14	banks	bank	NOUN
ajfa-6268	16	15	for	for	ADP
ajfa-6268	16	16	the	the	DET
ajfa-6268	16	17	creation	creation	NOUN
ajfa-6268	16	18	of	of	ADP
ajfa-6268	16	19	more	more	ADJ
ajfa-6268	16	20	money	money	NOUN
ajfa-6268	16	21	is	be	AUX
ajfa-6268	16	22	reduced	reduce	VERB
ajfa-6268	16	23	.	.	PUNCT
ajfa-6268	17	1	the	the	DET
ajfa-6268	17	2	profitability	profitability	NOUN
ajfa-6268	17	3	of	of	ADP
ajfa-6268	17	4	the	the	DET
ajfa-6268	17	5	banks	bank	NOUN
ajfa-6268	17	6	,	,	PUNCT
ajfa-6268	17	7	which	which	PRON
ajfa-6268	17	8	to	to	ADP
ajfa-6268	17	9	a	a	DET
ajfa-6268	17	10	large	large	ADJ
ajfa-6268	17	11	extent	extent	NOUN
ajfa-6268	17	12	depends	depend	VERB
ajfa-6268	17	13	on	on	ADP
ajfa-6268	17	14	the	the	DET
ajfa-6268	17	15	amount	amount	NOUN
ajfa-6268	17	16	of	of	ADP
ajfa-6268	17	17	money	money	NOUN
ajfa-6268	17	18	at	at	ADP
ajfa-6268	17	19	their	their	PRON
ajfa-6268	17	20	disposal	disposal	NOUN
ajfa-6268	17	21	for	for	ADP
ajfa-6268	17	22	lending	lending	NOUN
ajfa-6268	17	23	,	,	PUNCT
ajfa-6268	17	24	is	be	AUX
ajfa-6268	17	25	therefore	therefore	ADV
ajfa-6268	17	26	affected	affect	VERB
ajfa-6268	17	27	by	by	ADP
ajfa-6268	17	28	the	the	DET
ajfa-6268	17	29	large	large	ADJ
ajfa-6268	17	30	size	size	NOUN
ajfa-6268	17	31	of	of	ADP
ajfa-6268	17	32	this	this	DET
ajfa-6268	17	33	informal	informal	ADJ
ajfa-6268	17	34	sector	sector	NOUN
ajfa-6268	17	35	.	.	PUNCT
ajfa-6268	18	1	apart	apart	ADV
ajfa-6268	18	2	from	from	ADP
ajfa-6268	18	3	the	the	DET
ajfa-6268	18	4	above	above	ADJ
ajfa-6268	18	5	mentioned	mention	VERB
ajfa-6268	18	6	,	,	PUNCT
ajfa-6268	18	7	the	the	DET
ajfa-6268	18	8	breakthrough	breakthrough	NOUN
ajfa-6268	18	9	in	in	ADP
ajfa-6268	18	10	information	information	NOUN
ajfa-6268	18	11	communication	communication	NOUN
ajfa-6268	18	12	technology	technology	NOUN
ajfa-6268	18	13	(	(	PUNCT
ajfa-6268	18	14	ict	ict	PROPN
ajfa-6268	18	15	)	)	PUNCT
ajfa-6268	18	16	has	have	AUX
ajfa-6268	18	17	revolutionized	revolutionize	VERB
ajfa-6268	18	18	human	human	ADJ
ajfa-6268	18	19	society	society	NOUN
ajfa-6268	18	20	in	in	ADP
ajfa-6268	18	21	terms	term	NOUN
ajfa-6268	18	22	of	of	ADP
ajfa-6268	18	23	communication	communication	NOUN
ajfa-6268	18	24	,	,	PUNCT
ajfa-6268	18	25	efficiency	efficiency	NOUN
ajfa-6268	18	26	in	in	ADP
ajfa-6268	18	27	processes	process	NOUN
ajfa-6268	18	28	,	,	PUNCT
ajfa-6268	18	29	general	general	ADJ
ajfa-6268	18	30	exchange	exchange	NOUN
ajfa-6268	18	31	of	of	ADP
ajfa-6268	18	32	information	information	NOUN
ajfa-6268	18	33	,	,	PUNCT
ajfa-6268	18	34	and	and	CCONJ
ajfa-6268	18	35	in	in	ADP
ajfa-6268	18	36	the	the	DET
ajfa-6268	18	37	exchange	exchange	NOUN
ajfa-6268	18	38	of	of	ADP
ajfa-6268	18	39	goods	good	NOUN
ajfa-6268	18	40	and	and	CCONJ
ajfa-6268	18	41	services	service	NOUN
ajfa-6268	18	42	.	.	PUNCT
ajfa-6268	19	1	within	within	ADP
ajfa-6268	19	2	seconds	second	NOUN
ajfa-6268	19	3	,	,	PUNCT
ajfa-6268	19	4	businesses	business	NOUN
ajfa-6268	19	5	are	be	AUX
ajfa-6268	19	6	carried	carry	VERB
ajfa-6268	19	7	out	out	ADP
ajfa-6268	19	8	online	online	ADV
ajfa-6268	19	9	across	across	ADP
ajfa-6268	19	10	different	different	ADJ
ajfa-6268	19	11	geographical	geographical	ADJ
ajfa-6268	19	12	location	location	NOUN
ajfa-6268	19	13	making	make	VERB
ajfa-6268	19	14	it	it	PRON
ajfa-6268	19	15	impossible	impossible	ADJ
ajfa-6268	19	16	for	for	SCONJ
ajfa-6268	19	17	physical	physical	ADJ
ajfa-6268	19	18	cash	cash	NOUN
ajfa-6268	19	19	to	to	PART
ajfa-6268	19	20	be	be	AUX
ajfa-6268	19	21	used	use	VERB
ajfa-6268	19	22	as	as	ADP
ajfa-6268	19	23	a	a	DET
ajfa-6268	19	24	medium	medium	NOUN
ajfa-6268	19	25	of	of	ADP
ajfa-6268	19	26	such	such	ADJ
ajfa-6268	19	27	exchanges	exchange	NOUN
ajfa-6268	19	28	.	.	PUNCT
ajfa-6268	20	1	indeed	indeed	ADV
ajfa-6268	20	2	,	,	PUNCT
ajfa-6268	20	3	the	the	DET
ajfa-6268	20	4	world	world	NOUN
ajfa-6268	20	5	has	have	AUX
ajfa-6268	20	6	become	become	VERB
ajfa-6268	20	7	a	a	DET
ajfa-6268	20	8	global	global	ADJ
ajfa-6268	20	9	village	village	NOUN
ajfa-6268	20	10	and	and	CCONJ
ajfa-6268	20	11	the	the	DET
ajfa-6268	20	12	economic	economic	ADJ
ajfa-6268	20	13	competiveness	competiveness	NOUN
ajfa-6268	20	14	depends	depend	VERB
ajfa-6268	20	15	largely	largely	ADV
ajfa-6268	20	16	on	on	ADP
ajfa-6268	20	17	the	the	DET
ajfa-6268	20	18	effectiveness	effectiveness	NOUN
ajfa-6268	20	19	of	of	ADP
ajfa-6268	20	20	economic	economic	ADJ
ajfa-6268	20	21	agents	agent	NOUN
ajfa-6268	20	22	to	to	PART
ajfa-6268	20	23	adopt	adopt	VERB
ajfa-6268	20	24	technologies	technology	NOUN
ajfa-6268	20	25	for	for	ADP
ajfa-6268	20	26	their	their	PRON
ajfa-6268	20	27	activities	activity	NOUN
ajfa-6268	20	28	and	and	CCONJ
ajfa-6268	20	29	service	service	NOUN
ajfa-6268	20	30	delivery	delivery	NOUN
ajfa-6268	20	31	.	.	PUNCT
ajfa-6268	21	1	particularly	particularly	ADV
ajfa-6268	21	2	,	,	PUNCT
ajfa-6268	21	3	the	the	DET
ajfa-6268	21	4	banking	banking	NOUN
ajfa-6268	21	5	institutions	institution	NOUN
ajfa-6268	21	6	as	as	ADP
ajfa-6268	21	7	major	major	ADJ
ajfa-6268	21	8	players	player	NOUN
ajfa-6268	21	9	in	in	ADP
ajfa-6268	21	10	the	the	DET
ajfa-6268	21	11	process	process	NOUN
ajfa-6268	21	12	of	of	ADP
ajfa-6268	21	13	financial	financial	ADJ
ajfa-6268	21	14	intermediation	intermediation	NOUN
ajfa-6268	21	15	,	,	PUNCT
ajfa-6268	21	16	and	and	CCONJ
ajfa-6268	21	17	important	important	ADJ
ajfa-6268	21	18	economic	economic	ADJ
ajfa-6268	21	19	agents	agent	NOUN
ajfa-6268	21	20	in	in	ADP
ajfa-6268	21	21	the	the	DET
ajfa-6268	21	22	payment	payment	NOUN
ajfa-6268	21	23	system	system	NOUN
ajfa-6268	21	24	,	,	PUNCT
ajfa-6268	21	25	must	must	AUX
ajfa-6268	21	26	be	be	AUX
ajfa-6268	21	27	strongly	strongly	ADV
ajfa-6268	21	28	equipped	equip	VERB
ajfa-6268	21	29	with	with	ADP
ajfa-6268	21	30	the	the	DET
ajfa-6268	21	31	relevant	relevant	ADJ
ajfa-6268	21	32	information	information	NOUN
ajfa-6268	21	33	technology	technology	NOUN
ajfa-6268	21	34	that	that	PRON
ajfa-6268	21	35	would	would	AUX
ajfa-6268	21	36	encourage	encourage	VERB
ajfa-6268	21	37	trade	trade	NOUN
ajfa-6268	21	38	,	,	PUNCT
ajfa-6268	21	39	commerce	commerce	NOUN
ajfa-6268	21	40	and	and	CCONJ
ajfa-6268	21	41	industry	industry	NOUN
ajfa-6268	21	42	while	while	SCONJ
ajfa-6268	21	43	promoting	promote	VERB
ajfa-6268	21	44	globalization	globalization	NOUN
ajfa-6268	21	45	by	by	ADP
ajfa-6268	21	46	easing	ease	VERB
ajfa-6268	21	47	global	global	ADJ
ajfa-6268	21	48	access	access	NOUN
ajfa-6268	21	49	to	to	ADP
ajfa-6268	21	50	fund	fund	NOUN
ajfa-6268	21	51	without	without	ADP
ajfa-6268	21	52	any	any	DET
ajfa-6268	21	53	barrier	barrier	NOUN
ajfa-6268	21	54	.	.	PUNCT
ajfa-6268	22	1	customers	customer	NOUN
ajfa-6268	22	2	in	in	ADP
ajfa-6268	22	3	recent	recent	ADJ
ajfa-6268	22	4	time	time	NOUN
ajfa-6268	22	5	demand	demand	NOUN
ajfa-6268	22	6	more	more	ADJ
ajfa-6268	22	7	than	than	ADP
ajfa-6268	22	8	the	the	DET
ajfa-6268	22	9	traditional	traditional	ADJ
ajfa-6268	22	10	role	role	NOUN
ajfa-6268	22	11	of	of	ADP
ajfa-6268	22	12	safe	safe	ADV
ajfa-6268	22	13	-	-	PUNCT
ajfa-6268	22	14	keeping	keep	VERB
ajfa-6268	22	15	their	their	PRON
ajfa-6268	22	16	money	money	NOUN
ajfa-6268	22	17	.	.	PUNCT
ajfa-6268	23	1	they	they	PRON
ajfa-6268	23	2	require	require	VERB
ajfa-6268	23	3	their	their	PRON
ajfa-6268	23	4	banks	bank	NOUN
ajfa-6268	23	5	to	to	PART
ajfa-6268	23	6	meet	meet	VERB
ajfa-6268	23	7	financial	financial	ADJ
ajfa-6268	23	8	obligations	obligation	NOUN
ajfa-6268	23	9	for	for	ADP
ajfa-6268	23	10	e	e	NOUN
ajfa-6268	23	11	-	-	NOUN
ajfa-6268	23	12	transaction	transaction	NOUN
ajfa-6268	23	13	almost	almost	ADV
ajfa-6268	23	14	on	on	ADP
ajfa-6268	23	15	real	real	ADJ
ajfa-6268	23	16	time	time	NOUN
ajfa-6268	23	17	basis	basis	NOUN
ajfa-6268	23	18	.	.	PUNCT
ajfa-6268	24	1	but	but	CCONJ
ajfa-6268	24	2	in	in	ADP
ajfa-6268	24	3	reality	reality	NOUN
ajfa-6268	24	4	,	,	PUNCT
ajfa-6268	24	5	not	not	PART
ajfa-6268	24	6	all	all	DET
ajfa-6268	24	7	nigerians	nigerian	NOUN
ajfa-6268	24	8	have	have	VERB
ajfa-6268	24	9	access	access	NOUN
ajfa-6268	24	10	to	to	ADP
ajfa-6268	24	11	e	e	NOUN
ajfa-6268	24	12	-	-	NOUN
ajfa-6268	24	13	banking	banking	ADJ
ajfa-6268	24	14	services	service	NOUN
ajfa-6268	24	15	.	.	PUNCT
ajfa-6268	25	1	according	accord	VERB
ajfa-6268	25	2	to	to	ADP
ajfa-6268	25	3	(	(	PUNCT
ajfa-6268	25	4	microfinance	microfinance	NOUN
ajfa-6268	25	5	information	information	NOUN
ajfa-6268	25	6	exchange	exchange	NOUN
ajfa-6268	25	7	,	,	PUNCT
ajfa-6268	25	8	2012	2012	NUM
ajfa-6268	25	9	)	)	PUNCT
ajfa-6268	25	10	in	in	ADP
ajfa-6268	25	11	(	(	PUNCT
ajfa-6268	25	12	thisday	thisday	NOUN
ajfa-6268	25	13	,	,	PUNCT
ajfa-6268	25	14	2013	2013	NUM
ajfa-6268	25	15	)	)	PUNCT
ajfa-6268	25	16	,	,	PUNCT
ajfa-6268	25	17	nigeria	nigeria	PROPN
ajfa-6268	25	18	and	and	CCONJ
ajfa-6268	25	19	the	the	DET
ajfa-6268	25	20	democratic	democratic	PROPN
ajfa-6268	25	21	republic	republic	PROPN
ajfa-6268	25	22	of	of	ADP
ajfa-6268	25	23	congo	congo	PROPN
ajfa-6268	25	24	have	have	VERB
ajfa-6268	25	25	the	the	DET
ajfa-6268	25	26	largest	large	ADJ
ajfa-6268	25	27	gaps	gap	NOUN
ajfa-6268	25	28	between	between	ADP
ajfa-6268	25	29	populations	population	NOUN
ajfa-6268	25	30	living	live	VERB
ajfa-6268	25	31	in	in	ADP
ajfa-6268	25	32	poverty	poverty	NOUN
ajfa-6268	25	33	and	and	CCONJ
ajfa-6268	25	34	those	those	PRON
ajfa-6268	25	35	with	with	ADP
ajfa-6268	25	36	access	access	NOUN
ajfa-6268	25	37	to	to	ADP
ajfa-6268	25	38	financial	financial	ADJ
ajfa-6268	25	39	services–80	services–80	PROPN
ajfa-6268	25	40	million	million	NUM
ajfa-6268	25	41	in	in	ADP
ajfa-6268	25	42	nigeria	nigeria	PROPN
ajfa-6268	25	43	and	and	CCONJ
ajfa-6268	25	44	48	48	NUM
ajfa-6268	25	45	million	million	NUM
ajfa-6268	25	46	in	in	ADP
ajfa-6268	25	47	the	the	DET
ajfa-6268	25	48	congo	congo	NOUN
ajfa-6268	25	49	.	.	PUNCT
ajfa-6268	26	1	the	the	DET
ajfa-6268	26	2	central	central	ADJ
ajfa-6268	26	3	bank	bank	PROPN
ajfa-6268	26	4	of	of	ADP
ajfa-6268	26	5	nigeria	nigeria	PROPN
ajfa-6268	26	6	(	(	PUNCT
ajfa-6268	26	7	cbn	cbn	PROPN
ajfa-6268	26	8	)	)	PUNCT
ajfa-6268	26	9	in	in	ADP
ajfa-6268	26	10	collaboration	collaboration	NOUN
ajfa-6268	26	11	with	with	ADP
ajfa-6268	26	12	the	the	DET
ajfa-6268	26	13	bankers	banker	NOUN
ajfa-6268	26	14	committee	committee	NOUN
ajfa-6268	26	15	,	,	PUNCT
ajfa-6268	26	16	introduced	introduce	VERB
ajfa-6268	26	17	the	the	DET
ajfa-6268	26	18	cashless	cashless	NOUN
ajfa-6268	26	19	policy	policy	NOUN
ajfa-6268	26	20	designed	design	VERB
ajfa-6268	26	21	to	to	PART
ajfa-6268	26	22	provide	provide	VERB
ajfa-6268	26	23	mobile	mobile	ADJ
ajfa-6268	26	24	payment	payment	NOUN
ajfa-6268	26	25	services	service	NOUN
ajfa-6268	26	26	that	that	PRON
ajfa-6268	26	27	aim	aim	VERB
ajfa-6268	26	28	to	to	PART
ajfa-6268	26	29	breakdown	breakdown	VERB
ajfa-6268	26	30	traditional	traditional	ADJ
ajfa-6268	26	31	barriers	barrier	NOUN
ajfa-6268	26	32	hindering	hinder	VERB
ajfa-6268	26	33	the	the	DET
ajfa-6268	26	34	financial	financial	ADJ
ajfa-6268	26	35	inclusion	inclusion	NOUN
ajfa-6268	26	36	of	of	ADP
ajfa-6268	26	37	millions	million	NOUN
ajfa-6268	26	38	of	of	ADP
ajfa-6268	26	39	nigerians	nigerian	NOUN
ajfa-6268	26	40	,	,	PUNCT
ajfa-6268	26	41	secure	secure	ADJ
ajfa-6268	26	42	and	and	CCONJ
ajfa-6268	26	43	make	make	VERB
ajfa-6268	26	44	convenient	convenient	ADJ
ajfa-6268	26	45	financial	financial	ADJ
ajfa-6268	26	46	services	service	NOUN
ajfa-6268	26	47	to	to	ADP
ajfa-6268	26	48	urban	urban	ADJ
ajfa-6268	26	49	,	,	PUNCT
ajfa-6268	26	50	semi	semi	ADJ
ajfa-6268	26	51	-	-	ADJ
ajfa-6268	26	52	urban	urban	ADJ
ajfa-6268	26	53	and	and	CCONJ
ajfa-6268	26	54	rural	rural	ADJ
ajfa-6268	26	55	areas	area	NOUN
ajfa-6268	26	56	across	across	ADP
ajfa-6268	26	57	the	the	DET
ajfa-6268	26	58	country	country	NOUN
ajfa-6268	26	59	.	.	PUNCT
ajfa-6268	27	1	however	however	ADV
ajfa-6268	27	2	,	,	PUNCT
ajfa-6268	27	3	implementing	implement	VERB
ajfa-6268	27	4	the	the	DET
ajfa-6268	27	5	cashless	cashless	NOUN
ajfa-6268	27	6	policy	policy	NOUN
ajfa-6268	27	7	requires	require	VERB
ajfa-6268	27	8	that	that	SCONJ
ajfa-6268	27	9	the	the	DET
ajfa-6268	27	10	banks	bank	NOUN
ajfa-6268	27	11	make	make	VERB
ajfa-6268	27	12	huge	huge	ADJ
ajfa-6268	27	13	investments	investment	NOUN
ajfa-6268	27	14	on	on	ADP
ajfa-6268	27	15	ict	ict	PROPN
ajfa-6268	27	16	and	and	CCONJ
ajfa-6268	27	17	other	other	ADJ
ajfa-6268	27	18	technologies	technology	NOUN
ajfa-6268	27	19	that	that	PRON
ajfa-6268	27	20	would	would	AUX
ajfa-6268	27	21	enhance	enhance	VERB
ajfa-6268	27	22	the	the	DET
ajfa-6268	27	23	proper	proper	ADJ
ajfa-6268	27	24	implementation	implementation	NOUN
ajfa-6268	27	25	of	of	ADP
ajfa-6268	27	26	the	the	DET
ajfa-6268	27	27	cashless	cashless	NOUN
ajfa-6268	27	28	system	system	NOUN
ajfa-6268	27	29	.	.	PUNCT
ajfa-6268	28	1	for	for	ADP
ajfa-6268	28	2	banks	bank	NOUN
ajfa-6268	28	3	that	that	PRON
ajfa-6268	28	4	barely	barely	ADV
ajfa-6268	28	5	survived	survive	VERB
ajfa-6268	28	6	recapitalization	recapitalization	NOUN
ajfa-6268	28	7	,	,	PUNCT
ajfa-6268	28	8	and	and	CCONJ
ajfa-6268	28	9	several	several	ADJ
ajfa-6268	28	10	others	other	NOUN
ajfa-6268	28	11	forced	force	VERB
ajfa-6268	28	12	into	into	ADP
ajfa-6268	28	13	a	a	DET
ajfa-6268	28	14	merger	merger	NOUN
ajfa-6268	28	15	and	and	CCONJ
ajfa-6268	28	16	acquisition	acquisition	NOUN
ajfa-6268	28	17	,	,	PUNCT
ajfa-6268	28	18	this	this	DET
ajfa-6268	28	19	policy	policy	NOUN
ajfa-6268	28	20	may	may	AUX
ajfa-6268	28	21	affect	affect	VERB
ajfa-6268	28	22	their	their	PRON
ajfa-6268	28	23	performances	performance	NOUN
ajfa-6268	28	24	positively	positively	ADV
ajfa-6268	28	25	or	or	CCONJ
ajfa-6268	28	26	negatively	negatively	ADV
ajfa-6268	28	27	depending	depend	VERB
ajfa-6268	28	28	on	on	ADP
ajfa-6268	28	29	asian	asian	ADJ
ajfa-6268	28	30	journal	journal	NOUN
ajfa-6268	28	31	of	of	ADP
ajfa-6268	28	32	finance	finance	PROPN
ajfa-6268	28	33	&	&	CCONJ
ajfa-6268	28	34	accounting	accounting	PROPN
ajfa-6268	28	35	issn	issn	PROPN
ajfa-6268	28	36	1946	1946	NUM
ajfa-6268	28	37	-	-	PUNCT
ajfa-6268	28	38	052x	052x	PROPN
ajfa-6268	28	39	2014	2014	NUM
ajfa-6268	28	40	,	,	PUNCT
ajfa-6268	28	41	vol	vol	NOUN
ajfa-6268	28	42	.	.	PROPN
ajfa-6268	28	43	6	6	NUM
ajfa-6268	28	44	,	,	PUNCT
ajfa-6268	28	45	no	no	INTJ
ajfa-6268	28	46	.	.	NOUN
ajfa-6268	28	47	2	2	NUM
ajfa-6268	28	48	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NOUN
ajfa-6268	28	49	364	364	NUM
ajfa-6268	28	50	the	the	DET
ajfa-6268	28	51	strength	strength	NOUN
ajfa-6268	28	52	of	of	ADP
ajfa-6268	28	53	the	the	DET
ajfa-6268	28	54	individual	individual	ADJ
ajfa-6268	28	55	banks	bank	NOUN
ajfa-6268	28	56	.	.	PUNCT
ajfa-6268	29	1	therefore	therefore	ADV
ajfa-6268	29	2	,	,	PUNCT
ajfa-6268	29	3	this	this	DET
ajfa-6268	29	4	study	study	NOUN
ajfa-6268	29	5	seeks	seek	VERB
ajfa-6268	29	6	to	to	PART
ajfa-6268	29	7	analyze	analyze	VERB
ajfa-6268	29	8	the	the	DET
ajfa-6268	29	9	impact	impact	NOUN
ajfa-6268	29	10	of	of	ADP
ajfa-6268	29	11	this	this	DET
ajfa-6268	29	12	policy	policy	NOUN
ajfa-6268	29	13	on	on	ADP
ajfa-6268	29	14	nigerian	nigerian	ADJ
ajfa-6268	29	15	banks	bank	NOUN
ajfa-6268	29	16	in	in	ADP
ajfa-6268	29	17	relation	relation	NOUN
ajfa-6268	29	18	to	to	ADP
ajfa-6268	29	19	their	their	PRON
ajfa-6268	29	20	profitability	profitability	NOUN
ajfa-6268	29	21	.	.	PUNCT
ajfa-6268	30	1	to	to	PART
ajfa-6268	30	2	ease	ease	VERB
ajfa-6268	30	3	understanding	understanding	NOUN
ajfa-6268	30	4	,	,	PUNCT
ajfa-6268	30	5	the	the	DET
ajfa-6268	30	6	paper	paper	NOUN
ajfa-6268	30	7	is	be	AUX
ajfa-6268	30	8	structured	structure	VERB
ajfa-6268	30	9	as	as	SCONJ
ajfa-6268	30	10	follows	follow	VERB
ajfa-6268	30	11	:	:	PUNCT
ajfa-6268	30	12	section	section	NOUN
ajfa-6268	30	13	one	one	NOUN
ajfa-6268	30	14	is	be	AUX
ajfa-6268	30	15	the	the	DET
ajfa-6268	30	16	introduction	introduction	NOUN
ajfa-6268	30	17	;	;	PUNCT
ajfa-6268	30	18	section	section	NOUN
ajfa-6268	30	19	two	two	NUM
ajfa-6268	30	20	focuses	focus	VERB
ajfa-6268	30	21	on	on	ADP
ajfa-6268	30	22	theoretical	theoretical	ADJ
ajfa-6268	30	23	underpinning	underpinning	NOUN
ajfa-6268	30	24	,	,	PUNCT
ajfa-6268	30	25	and	and	CCONJ
ajfa-6268	30	26	empirical	empirical	ADJ
ajfa-6268	30	27	literature	literature	NOUN
ajfa-6268	30	28	,	,	PUNCT
ajfa-6268	30	29	while	while	SCONJ
ajfa-6268	30	30	section	section	NOUN
ajfa-6268	30	31	three	three	NUM
ajfa-6268	30	32	addresses	address	NOUN
ajfa-6268	30	33	methodology	methodology	NOUN
ajfa-6268	30	34	and	and	CCONJ
ajfa-6268	30	35	data	datum	NOUN
ajfa-6268	30	36	analysis	analysis	NOUN
ajfa-6268	30	37	of	of	ADP
ajfa-6268	30	38	the	the	DET
ajfa-6268	30	39	study	study	NOUN
ajfa-6268	30	40	.	.	PUNCT
ajfa-6268	31	1	section	section	NOUN
ajfa-6268	31	2	four	four	NUM
ajfa-6268	31	3	summarizes	summarize	NOUN
ajfa-6268	31	4	and	and	CCONJ
ajfa-6268	31	5	concludes	conclude	VERB
ajfa-6268	31	6	the	the	DET
ajfa-6268	31	7	study	study	NOUN
ajfa-6268	31	8	.	.	PUNCT
ajfa-6268	32	1	2	2	X
ajfa-6268	32	2	.	.	X
ajfa-6268	32	3	theoretical	theoretical	ADJ
ajfa-6268	32	4	framework	framework	NOUN
ajfa-6268	32	5	and	and	CCONJ
ajfa-6268	32	6	literature	literature	NOUN
ajfa-6268	32	7	review	review	VERB
ajfa-6268	32	8	2.1	2.1	NUM
ajfa-6268	32	9	theoretical	theoretical	ADJ
ajfa-6268	32	10	framework	framework	NOUN
ajfa-6268	32	11	in	in	ADP
ajfa-6268	32	12	examining	examine	VERB
ajfa-6268	32	13	the	the	DET
ajfa-6268	32	14	implications	implication	NOUN
ajfa-6268	32	15	of	of	ADP
ajfa-6268	32	16	cash	cash	NOUN
ajfa-6268	32	17	-	-	PUNCT
ajfa-6268	32	18	less	less	ADJ
ajfa-6268	32	19	system	system	NOUN
ajfa-6268	32	20	,	,	PUNCT
ajfa-6268	32	21	it	it	PRON
ajfa-6268	32	22	is	be	AUX
ajfa-6268	32	23	necessary	necessary	ADJ
ajfa-6268	32	24	to	to	PART
ajfa-6268	32	25	review	review	VERB
ajfa-6268	32	26	how	how	SCONJ
ajfa-6268	32	27	conventional	conventional	ADJ
ajfa-6268	32	28	money	money	NOUN
ajfa-6268	32	29	has	have	AUX
ajfa-6268	32	30	evolved	evolve	VERB
ajfa-6268	32	31	over	over	ADP
ajfa-6268	32	32	time	time	NOUN
ajfa-6268	32	33	.	.	PUNCT
ajfa-6268	33	1	money	money	NOUN
ajfa-6268	33	2	performs	perform	VERB
ajfa-6268	33	3	a	a	DET
ajfa-6268	33	4	number	number	NOUN
ajfa-6268	33	5	of	of	ADP
ajfa-6268	33	6	roles	role	NOUN
ajfa-6268	33	7	in	in	ADP
ajfa-6268	33	8	economic	economic	ADJ
ajfa-6268	33	9	activity	activity	NOUN
ajfa-6268	33	10	;	;	PUNCT
ajfa-6268	33	11	it	it	PRON
ajfa-6268	33	12	is	be	AUX
ajfa-6268	33	13	a	a	DET
ajfa-6268	33	14	unit	unit	NOUN
ajfa-6268	33	15	of	of	ADP
ajfa-6268	33	16	account	account	NOUN
ajfa-6268	33	17	,	,	PUNCT
ajfa-6268	33	18	store	store	NOUN
ajfa-6268	33	19	of	of	ADP
ajfa-6268	33	20	value	value	NOUN
ajfa-6268	33	21	,	,	PUNCT
ajfa-6268	33	22	medium	medium	NOUN
ajfa-6268	33	23	of	of	ADP
ajfa-6268	33	24	exchange	exchange	NOUN
ajfa-6268	33	25	and	and	CCONJ
ajfa-6268	33	26	means	mean	NOUN
ajfa-6268	33	27	of	of	ADP
ajfa-6268	33	28	deferred	deferred	ADJ
ajfa-6268	33	29	payment	payment	NOUN
ajfa-6268	33	30	.	.	PUNCT
ajfa-6268	34	1	also	also	ADV
ajfa-6268	34	2	,	,	PUNCT
ajfa-6268	34	3	money	money	NOUN
ajfa-6268	34	4	has	have	AUX
ajfa-6268	34	5	evolved	evolve	VERB
ajfa-6268	34	6	over	over	ADP
ajfa-6268	34	7	the	the	DET
ajfa-6268	34	8	centuries	century	NOUN
ajfa-6268	34	9	to	to	PART
ajfa-6268	34	10	minimize	minimize	VERB
ajfa-6268	34	11	the	the	DET
ajfa-6268	34	12	friction	friction	NOUN
ajfa-6268	34	13	of	of	ADP
ajfa-6268	34	14	transaction	transaction	NOUN
ajfa-6268	34	15	costs	cost	NOUN
ajfa-6268	34	16	that	that	PRON
ajfa-6268	34	17	are	be	AUX
ajfa-6268	34	18	involved	involve	VERB
ajfa-6268	34	19	in	in	ADP
ajfa-6268	34	20	mediating	mediate	VERB
ajfa-6268	34	21	exchange	exchange	NOUN
ajfa-6268	34	22	.	.	PUNCT
ajfa-6268	35	1	in	in	ADP
ajfa-6268	35	2	fact	fact	NOUN
ajfa-6268	35	3	,	,	PUNCT
ajfa-6268	35	4	the	the	DET
ajfa-6268	35	5	process	process	NOUN
ajfa-6268	35	6	can	can	AUX
ajfa-6268	35	7	be	be	AUX
ajfa-6268	35	8	observed	observe	VERB
ajfa-6268	35	9	from	from	ADP
ajfa-6268	35	10	the	the	DET
ajfa-6268	35	11	development	development	NOUN
ajfa-6268	35	12	of	of	ADP
ajfa-6268	35	13	the	the	DET
ajfa-6268	35	14	very	very	ADV
ajfa-6268	35	15	first	first	ADJ
ajfa-6268	35	16	monetary	monetary	ADJ
ajfa-6268	35	17	products	product	NOUN
ajfa-6268	35	18	.	.	PUNCT
ajfa-6268	36	1	for	for	ADP
ajfa-6268	36	2	instance	instance	NOUN
ajfa-6268	36	3	,	,	PUNCT
ajfa-6268	36	4	conducting	conduct	VERB
ajfa-6268	36	5	economic	economic	ADJ
ajfa-6268	36	6	transactions	transaction	NOUN
ajfa-6268	36	7	in	in	ADP
ajfa-6268	36	8	barter	barter	NOUN
ajfa-6268	36	9	economies	economy	NOUN
ajfa-6268	36	10	involved	involve	VERB
ajfa-6268	36	11	high	high	ADJ
ajfa-6268	36	12	transaction	transaction	NOUN
ajfa-6268	36	13	costs	cost	NOUN
ajfa-6268	36	14	as	as	ADP
ajfa-6268	36	15	considerable	considerable	ADJ
ajfa-6268	36	16	time	time	NOUN
ajfa-6268	36	17	and	and	CCONJ
ajfa-6268	36	18	effort	effort	NOUN
ajfa-6268	36	19	was	be	AUX
ajfa-6268	36	20	required	require	VERB
ajfa-6268	36	21	in	in	ADP
ajfa-6268	36	22	finding	find	VERB
ajfa-6268	36	23	suitable	suitable	ADJ
ajfa-6268	36	24	partner	partner	NOUN
ajfa-6268	36	25	.	.	PUNCT
ajfa-6268	37	1	subsequently	subsequently	ADV
ajfa-6268	37	2	,	,	PUNCT
ajfa-6268	37	3	another	another	DET
ajfa-6268	37	4	facet	facet	NOUN
ajfa-6268	37	5	in	in	ADP
ajfa-6268	37	6	the	the	DET
ajfa-6268	37	7	evolution	evolution	NOUN
ajfa-6268	37	8	of	of	ADP
ajfa-6268	37	9	money	money	NOUN
ajfa-6268	37	10	was	be	AUX
ajfa-6268	37	11	the	the	DET
ajfa-6268	37	12	need	need	NOUN
ajfa-6268	37	13	for	for	ADP
ajfa-6268	37	14	durability	durability	NOUN
ajfa-6268	37	15	and	and	CCONJ
ajfa-6268	37	16	divisibility	divisibility	NOUN
ajfa-6268	37	17	.	.	PUNCT
ajfa-6268	38	1	hence	hence	ADV
ajfa-6268	38	2	,	,	PUNCT
ajfa-6268	38	3	the	the	DET
ajfa-6268	38	4	advent	advent	NOUN
ajfa-6268	38	5	of	of	ADP
ajfa-6268	38	6	study	study	NOUN
ajfa-6268	38	7	money	money	NOUN
ajfa-6268	38	8	(	(	PUNCT
ajfa-6268	38	9	notes	note	NOUN
ajfa-6268	38	10	and	and	CCONJ
ajfa-6268	38	11	coins	coin	NOUN
ajfa-6268	38	12	)	)	PUNCT
ajfa-6268	38	13	made	make	VERB
ajfa-6268	38	14	the	the	DET
ajfa-6268	38	15	process	process	NOUN
ajfa-6268	38	16	less	less	ADV
ajfa-6268	38	17	costly	costly	ADJ
ajfa-6268	38	18	by	by	ADP
ajfa-6268	38	19	allowing	allow	VERB
ajfa-6268	38	20	people	people	NOUN
ajfa-6268	38	21	specialize	specialize	VERB
ajfa-6268	38	22	in	in	ADP
ajfa-6268	38	23	production	production	NOUN
ajfa-6268	38	24	based	base	VERB
ajfa-6268	38	25	on	on	ADP
ajfa-6268	38	26	their	their	PRON
ajfa-6268	38	27	strengths	strength	NOUN
ajfa-6268	38	28	and	and	CCONJ
ajfa-6268	38	29	by	by	ADP
ajfa-6268	38	30	enabling	enable	VERB
ajfa-6268	38	31	the	the	DET
ajfa-6268	38	32	monetary	monetary	ADJ
ajfa-6268	38	33	authorities	authority	NOUN
ajfa-6268	38	34	to	to	ADP
ajfa-6268	38	35	mint	mint	NOUN
ajfa-6268	38	36	coins	coin	NOUN
ajfa-6268	38	37	in	in	ADP
ajfa-6268	38	38	convenient	convenient	ADJ
ajfa-6268	38	39	denominations	denomination	NOUN
ajfa-6268	38	40	,	,	PUNCT
ajfa-6268	38	41	thereby	thereby	ADV
ajfa-6268	38	42	creating	create	VERB
ajfa-6268	38	43	divisibility	divisibility	NOUN
ajfa-6268	38	44	(	(	PUNCT
ajfa-6268	38	45	baddeley	baddeley	NOUN
ajfa-6268	38	46	,	,	PUNCT
ajfa-6268	38	47	2004	2004	NUM
ajfa-6268	38	48	)	)	PUNCT
ajfa-6268	38	49	.	.	PUNCT
ajfa-6268	39	1	the	the	DET
ajfa-6268	39	2	theory	theory	NOUN
ajfa-6268	39	3	of	of	ADP
ajfa-6268	39	4	money	money	NOUN
ajfa-6268	39	5	has	have	VERB
ajfa-6268	39	6	its	its	PRON
ajfa-6268	39	7	roots	root	NOUN
ajfa-6268	39	8	in	in	ADP
ajfa-6268	39	9	the	the	DET
ajfa-6268	39	10	16th	16th	ADJ
ajfa-6268	39	11	century	century	NOUN
ajfa-6268	39	12	during	during	ADP
ajfa-6268	39	13	which	which	PRON
ajfa-6268	39	14	classical	classical	ADJ
ajfa-6268	39	15	economists	economist	NOUN
ajfa-6268	39	16	such	such	ADJ
ajfa-6268	39	17	as	as	ADP
ajfa-6268	39	18	jean	jean	PROPN
ajfa-6268	39	19	boldin	boldin	PROPN
ajfa-6268	39	20	at	at	ADP
ajfa-6268	39	21	that	that	DET
ajfa-6268	39	22	time	time	NOUN
ajfa-6268	39	23	sought	seek	VERB
ajfa-6268	39	24	to	to	PART
ajfa-6268	39	25	know	know	VERB
ajfa-6268	39	26	the	the	DET
ajfa-6268	39	27	cause	cause	NOUN
ajfa-6268	39	28	of	of	ADP
ajfa-6268	39	29	the	the	DET
ajfa-6268	39	30	increases	increase	NOUN
ajfa-6268	39	31	in	in	ADP
ajfa-6268	39	32	french	french	ADJ
ajfa-6268	39	33	prices	price	NOUN
ajfa-6268	39	34	.	.	PUNCT
ajfa-6268	40	1	he	he	PRON
ajfa-6268	40	2	concluded	conclude	VERB
ajfa-6268	40	3	that	that	SCONJ
ajfa-6268	40	4	,	,	PUNCT
ajfa-6268	40	5	among	among	ADP
ajfa-6268	40	6	other	other	ADJ
ajfa-6268	40	7	factors	factor	NOUN
ajfa-6268	40	8	,	,	PUNCT
ajfa-6268	40	9	increases	increase	NOUN
ajfa-6268	40	10	in	in	ADP
ajfa-6268	40	11	gold	gold	NOUN
ajfa-6268	40	12	and	and	CCONJ
ajfa-6268	40	13	silver	silver	NOUN
ajfa-6268	40	14	which	which	PRON
ajfa-6268	40	15	served	serve	VERB
ajfa-6268	40	16	as	as	ADP
ajfa-6268	40	17	currencies	currency	NOUN
ajfa-6268	40	18	were	be	AUX
ajfa-6268	40	19	responsible	responsible	ADJ
ajfa-6268	40	20	for	for	ADP
ajfa-6268	40	21	the	the	DET
ajfa-6268	40	22	rise	rise	NOUN
ajfa-6268	40	23	in	in	ADP
ajfa-6268	40	24	the	the	DET
ajfa-6268	40	25	demand	demand	NOUN
ajfa-6268	40	26	for	for	ADP
ajfa-6268	40	27	french	french	NOUN
ajfa-6268	40	28	-	-	PUNCT
ajfa-6268	40	29	made	make	VERB
ajfa-6268	40	30	goods	good	NOUN
ajfa-6268	40	31	and	and	CCONJ
ajfa-6268	40	32	,	,	PUNCT
ajfa-6268	40	33	hence	hence	ADV
ajfa-6268	40	34	,	,	PUNCT
ajfa-6268	40	35	french	french	ADJ
ajfa-6268	40	36	prices	price	NOUN
ajfa-6268	40	37	,	,	PUNCT
ajfa-6268	40	38	thus	thus	ADV
ajfa-6268	40	39	linking	link	VERB
ajfa-6268	40	40	movements	movement	NOUN
ajfa-6268	40	41	in	in	ADP
ajfa-6268	40	42	prices	price	NOUN
ajfa-6268	40	43	to	to	ADP
ajfa-6268	40	44	movements	movement	NOUN
ajfa-6268	40	45	in	in	ADP
ajfa-6268	40	46	money	money	NOUN
ajfa-6268	40	47	stock	stock	NOUN
ajfa-6268	40	48	.	.	PUNCT
ajfa-6268	41	1	by	by	ADP
ajfa-6268	41	2	the	the	DET
ajfa-6268	41	3	1690s	1690	NOUN
ajfa-6268	41	4	,	,	PUNCT
ajfa-6268	41	5	the	the	DET
ajfa-6268	41	6	quantity	quantity	NOUN
ajfa-6268	41	7	theory	theory	NOUN
ajfa-6268	41	8	of	of	ADP
ajfa-6268	41	9	money	money	NOUN
ajfa-6268	41	10	was	be	AUX
ajfa-6268	41	11	further	far	ADV
ajfa-6268	41	12	advanced	advance	VERB
ajfa-6268	41	13	by	by	ADP
ajfa-6268	41	14	john	john	PROPN
ajfa-6268	41	15	locke	locke	PROPN
ajfa-6268	41	16	to	to	PART
ajfa-6268	41	17	examine	examine	VERB
ajfa-6268	41	18	the	the	DET
ajfa-6268	41	19	effects	effect	NOUN
ajfa-6268	41	20	of	of	ADP
ajfa-6268	41	21	money	money	NOUN
ajfa-6268	41	22	on	on	ADP
ajfa-6268	41	23	trade	trade	NOUN
ajfa-6268	41	24	,	,	PUNCT
ajfa-6268	41	25	the	the	DET
ajfa-6268	41	26	role	role	NOUN
ajfa-6268	41	27	of	of	ADP
ajfa-6268	41	28	interest	interest	NOUN
ajfa-6268	41	29	rate	rate	NOUN
ajfa-6268	41	30	and	and	CCONJ
ajfa-6268	41	31	demand	demand	NOUN
ajfa-6268	41	32	for	for	ADP
ajfa-6268	41	33	money	money	NOUN
ajfa-6268	41	34	in	in	ADP
ajfa-6268	41	35	the	the	DET
ajfa-6268	41	36	economy	economy	NOUN
ajfa-6268	41	37	(	(	PUNCT
ajfa-6268	41	38	omanukwue	omanukwue	NOUN
ajfa-6268	41	39	,	,	PUNCT
ajfa-6268	41	40	2010	2010	NUM
ajfa-6268	41	41	)	)	PUNCT
ajfa-6268	41	42	.	.	PUNCT
ajfa-6268	42	1	in	in	ADP
ajfa-6268	42	2	particular	particular	ADJ
ajfa-6268	42	3	,	,	PUNCT
ajfa-6268	42	4	the	the	DET
ajfa-6268	42	5	role	role	NOUN
ajfa-6268	42	6	of	of	ADP
ajfa-6268	42	7	money	money	NOUN
ajfa-6268	42	8	as	as	ADP
ajfa-6268	42	9	a	a	DET
ajfa-6268	42	10	medium	medium	NOUN
ajfa-6268	42	11	of	of	ADP
ajfa-6268	42	12	exchange	exchange	NOUN
ajfa-6268	42	13	to	to	PART
ajfa-6268	42	14	facilitate	facilitate	VERB
ajfa-6268	42	15	trade	trade	NOUN
ajfa-6268	42	16	transactions	transaction	NOUN
ajfa-6268	42	17	was	be	AUX
ajfa-6268	42	18	born	bear	VERB
ajfa-6268	42	19	.	.	PUNCT
ajfa-6268	43	1	economists	economist	NOUN
ajfa-6268	43	2	at	at	ADP
ajfa-6268	43	3	the	the	DET
ajfa-6268	43	4	time	time	NOUN
ajfa-6268	43	5	inferred	infer	VERB
ajfa-6268	43	6	that	that	SCONJ
ajfa-6268	43	7	the	the	DET
ajfa-6268	43	8	quantum	quantum	NOUN
ajfa-6268	43	9	of	of	ADP
ajfa-6268	43	10	money	money	NOUN
ajfa-6268	43	11	needed	need	VERB
ajfa-6268	43	12	for	for	ADP
ajfa-6268	43	13	such	such	ADJ
ajfa-6268	43	14	transactions	transaction	NOUN
ajfa-6268	43	15	would	would	AUX
ajfa-6268	43	16	depend	depend	VERB
ajfa-6268	43	17	on	on	ADP
ajfa-6268	43	18	the	the	DET
ajfa-6268	43	19	velocity	velocity	NOUN
ajfa-6268	43	20	of	of	ADP
ajfa-6268	43	21	money	money	NOUN
ajfa-6268	43	22	in	in	ADP
ajfa-6268	43	23	circulation	circulation	NOUN
ajfa-6268	43	24	and	and	CCONJ
ajfa-6268	43	25	the	the	DET
ajfa-6268	43	26	relationship	relationship	NOUN
ajfa-6268	43	27	between	between	ADP
ajfa-6268	43	28	the	the	DET
ajfa-6268	43	29	demand	demand	NOUN
ajfa-6268	43	30	and	and	CCONJ
ajfa-6268	43	31	supply	supply	NOUN
ajfa-6268	43	32	of	of	ADP
ajfa-6268	43	33	money	money	NOUN
ajfa-6268	43	34	such	such	ADJ
ajfa-6268	43	35	that	that	SCONJ
ajfa-6268	43	36	where	where	SCONJ
ajfa-6268	43	37	there	there	PRON
ajfa-6268	43	38	was	be	VERB
ajfa-6268	43	39	excess	excess	ADJ
ajfa-6268	43	40	demand	demand	NOUN
ajfa-6268	43	41	over	over	ADP
ajfa-6268	43	42	supply	supply	NOUN
ajfa-6268	43	43	interest	interest	NOUN
ajfa-6268	43	44	rates	rate	NOUN
ajfa-6268	43	45	rose	rise	VERB
ajfa-6268	43	46	and	and	CCONJ
ajfa-6268	43	47	vice	vice	ADV
ajfa-6268	43	48	versa	versa	ADV
ajfa-6268	43	49	(	(	PUNCT
ajfa-6268	43	50	cantillon	cantillon	PROPN
ajfa-6268	43	51	,	,	PUNCT
ajfa-6268	43	52	1755	1755	NUM
ajfa-6268	43	53	;	;	PUNCT
ajfa-6268	43	54	locke	locke	PROPN
ajfa-6268	43	55	1692	1692	NUM
ajfa-6268	43	56	as	as	SCONJ
ajfa-6268	43	57	cited	cite	VERB
ajfa-6268	43	58	in	in	ADP
ajfa-6268	43	59	ajuzie	ajuzie	NOUN
ajfa-6268	43	60	,	,	PUNCT
ajfa-6268	43	61	et	et	PROPN
ajfa-6268	43	62	al	al	PROPN
ajfa-6268	43	63	,	,	PUNCT
ajfa-6268	43	64	2008	2008	NUM
ajfa-6268	43	65	)	)	PUNCT
ajfa-6268	43	66	.	.	PUNCT
ajfa-6268	44	1	the	the	DET
ajfa-6268	44	2	theory	theory	NOUN
ajfa-6268	44	3	of	of	ADP
ajfa-6268	44	4	money	money	NOUN
ajfa-6268	44	5	has	have	AUX
ajfa-6268	44	6	been	be	AUX
ajfa-6268	44	7	described	describe	VERB
ajfa-6268	44	8	by	by	ADP
ajfa-6268	44	9	different	different	ADJ
ajfa-6268	44	10	school	school	NOUN
ajfa-6268	44	11	of	of	ADP
ajfa-6268	44	12	thought	thought	NOUN
ajfa-6268	44	13	in	in	ADP
ajfa-6268	44	14	their	their	PRON
ajfa-6268	44	15	different	different	ADJ
ajfa-6268	44	16	opinions	opinion	NOUN
ajfa-6268	44	17	.	.	PUNCT
ajfa-6268	45	1	for	for	ADP
ajfa-6268	45	2	example	example	NOUN
ajfa-6268	45	3	,	,	PUNCT
ajfa-6268	45	4	the	the	DET
ajfa-6268	45	5	modern	modern	ADJ
ajfa-6268	45	6	classical	classical	ADJ
ajfa-6268	45	7	schools	school	NOUN
ajfa-6268	45	8	of	of	ADP
ajfa-6268	45	9	thought	thought	NOUN
ajfa-6268	45	10	who	who	PRON
ajfa-6268	45	11	are	be	AUX
ajfa-6268	45	12	also	also	ADV
ajfa-6268	45	13	called	call	VERB
ajfa-6268	45	14	the	the	DET
ajfa-6268	45	15	monetarist	monetarist	NOUN
ajfa-6268	45	16	are	be	AUX
ajfa-6268	45	17	concerned	concern	VERB
ajfa-6268	45	18	with	with	ADP
ajfa-6268	45	19	the	the	DET
ajfa-6268	45	20	explanation	explanation	NOUN
ajfa-6268	45	21	for	for	ADP
ajfa-6268	45	22	the	the	DET
ajfa-6268	45	23	changes	change	NOUN
ajfa-6268	45	24	in	in	ADP
ajfa-6268	45	25	price	price	NOUN
ajfa-6268	45	26	level	level	NOUN
ajfa-6268	45	27	.	.	PUNCT
ajfa-6268	46	1	to	to	ADP
ajfa-6268	46	2	them	they	PRON
ajfa-6268	46	3	,	,	PUNCT
ajfa-6268	46	4	a	a	DET
ajfa-6268	46	5	stable	stable	ADJ
ajfa-6268	46	6	and	and	CCONJ
ajfa-6268	46	7	equilibrating	equilibrating	NOUN
ajfa-6268	46	8	relation	relation	NOUN
ajfa-6268	46	9	exists	exist	VERB
ajfa-6268	46	10	between	between	ADP
ajfa-6268	46	11	the	the	DET
ajfa-6268	46	12	adjustments	adjustment	NOUN
ajfa-6268	46	13	in	in	ADP
ajfa-6268	46	14	the	the	DET
ajfa-6268	46	15	quantity	quantity	NOUN
ajfa-6268	46	16	of	of	ADP
ajfa-6268	46	17	money	money	NOUN
ajfa-6268	46	18	and	and	CCONJ
ajfa-6268	46	19	the	the	DET
ajfa-6268	46	20	price	price	NOUN
ajfa-6268	46	21	level	level	NOUN
ajfa-6268	46	22	.	.	PUNCT
ajfa-6268	47	1	in	in	ADP
ajfa-6268	47	2	other	other	ADJ
ajfa-6268	47	3	words	word	NOUN
ajfa-6268	47	4	,	,	PUNCT
ajfa-6268	47	5	they	they	PRON
ajfa-6268	47	6	refute	refute	VERB
ajfa-6268	47	7	any	any	DET
ajfa-6268	47	8	form	form	NOUN
ajfa-6268	47	9	of	of	ADP
ajfa-6268	47	10	monetary	monetary	ADJ
ajfa-6268	47	11	influence	influence	NOUN
ajfa-6268	47	12	on	on	ADP
ajfa-6268	47	13	real	real	ADJ
ajfa-6268	47	14	output	output	NOUN
ajfa-6268	47	15	both	both	CCONJ
ajfa-6268	47	16	in	in	ADP
ajfa-6268	47	17	the	the	DET
ajfa-6268	47	18	short	short	ADJ
ajfa-6268	47	19	-	-	PUNCT
ajfa-6268	47	20	and	and	CCONJ
ajfa-6268	47	21	long	long	ADV
ajfa-6268	47	22	-	-	PUNCT
ajfa-6268	47	23	run	run	NOUN
ajfa-6268	47	24	.	.	PUNCT
ajfa-6268	48	1	asian	asian	ADJ
ajfa-6268	48	2	journal	journal	PROPN
ajfa-6268	48	3	of	of	ADP
ajfa-6268	48	4	finance	finance	PROPN
ajfa-6268	48	5	&	&	CCONJ
ajfa-6268	48	6	accounting	accounting	PROPN
ajfa-6268	48	7	issn	issn	PROPN
ajfa-6268	48	8	1946	1946	NUM
ajfa-6268	48	9	-	-	PUNCT
ajfa-6268	48	10	052x	052x	PROPN
ajfa-6268	48	11	2014	2014	NUM
ajfa-6268	48	12	,	,	PUNCT
ajfa-6268	48	13	vol	vol	NOUN
ajfa-6268	48	14	.	.	PROPN
ajfa-6268	49	1	6	6	NUM
ajfa-6268	49	2	,	,	PUNCT
ajfa-6268	49	3	no	no	INTJ
ajfa-6268	49	4	.	.	NOUN
ajfa-6268	49	5	2	2	NUM
ajfa-6268	49	6	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NOUN
ajfa-6268	49	7	365	365	NUM
ajfa-6268	49	8	for	for	ADP
ajfa-6268	49	9	the	the	DET
ajfa-6268	49	10	less	less	ADV
ajfa-6268	49	11	stringent	stringent	ADJ
ajfa-6268	49	12	monetarist	monetarist	NOUN
ajfa-6268	49	13	,	,	PUNCT
ajfa-6268	49	14	they	they	PRON
ajfa-6268	49	15	agree	agree	VERB
ajfa-6268	49	16	that	that	SCONJ
ajfa-6268	49	17	money	money	NOUN
ajfa-6268	49	18	influences	influence	VERB
ajfa-6268	49	19	output	output	NOUN
ajfa-6268	49	20	in	in	ADP
ajfa-6268	49	21	the	the	DET
ajfa-6268	49	22	short	short	ADJ
ajfa-6268	49	23	-	-	PUNCT
ajfa-6268	49	24	run	run	NOUN
ajfa-6268	49	25	,	,	PUNCT
ajfa-6268	49	26	but	but	CCONJ
ajfa-6268	49	27	only	only	ADV
ajfa-6268	49	28	prices	price	NOUN
ajfa-6268	49	29	in	in	ADP
ajfa-6268	49	30	the	the	DET
ajfa-6268	49	31	long	long	ADV
ajfa-6268	49	32	-	-	PUNCT
ajfa-6268	49	33	run	run	NOUN
ajfa-6268	49	34	.	.	PUNCT
ajfa-6268	50	1	nevertheless	nevertheless	ADV
ajfa-6268	50	2	,	,	PUNCT
ajfa-6268	50	3	irrespective	irrespective	ADV
ajfa-6268	50	4	of	of	ADP
ajfa-6268	50	5	the	the	DET
ajfa-6268	50	6	path	path	NOUN
ajfa-6268	50	7	of	of	ADP
ajfa-6268	50	8	adjustment	adjustment	NOUN
ajfa-6268	50	9	,	,	PUNCT
ajfa-6268	50	10	the	the	DET
ajfa-6268	50	11	monetarist	monetarist	NOUN
ajfa-6268	50	12	all	all	PRON
ajfa-6268	50	13	seem	seem	VERB
ajfa-6268	50	14	to	to	PART
ajfa-6268	50	15	concur	concur	VERB
ajfa-6268	50	16	that	that	SCONJ
ajfa-6268	50	17	in	in	ADP
ajfa-6268	50	18	order	order	NOUN
ajfa-6268	50	19	to	to	PART
ajfa-6268	50	20	reduce	reduce	VERB
ajfa-6268	50	21	or	or	CCONJ
ajfa-6268	50	22	curtail	curtail	VERB
ajfa-6268	50	23	inflationary	inflationary	ADJ
ajfa-6268	50	24	growth	growth	NOUN
ajfa-6268	50	25	,	,	PUNCT
ajfa-6268	50	26	money	money	NOUN
ajfa-6268	50	27	growth	growth	NOUN
ajfa-6268	50	28	should	should	AUX
ajfa-6268	50	29	be	be	AUX
ajfa-6268	50	30	less	less	ADJ
ajfa-6268	50	31	than	than	ADP
ajfa-6268	50	32	or	or	CCONJ
ajfa-6268	50	33	equal	equal	ADJ
ajfa-6268	50	34	to	to	ADP
ajfa-6268	50	35	the	the	DET
ajfa-6268	50	36	growth	growth	NOUN
ajfa-6268	50	37	in	in	ADP
ajfa-6268	50	38	output	output	NOUN
ajfa-6268	50	39	.	.	PUNCT
ajfa-6268	51	1	the	the	DET
ajfa-6268	51	2	quantity	quantity	NOUN
ajfa-6268	51	3	theory	theory	NOUN
ajfa-6268	51	4	of	of	ADP
ajfa-6268	51	5	money	money	NOUN
ajfa-6268	51	6	is	be	AUX
ajfa-6268	51	7	hinged	hinge	VERB
ajfa-6268	51	8	on	on	ADP
ajfa-6268	51	9	the	the	DET
ajfa-6268	51	10	irvin	irvin	PROPN
ajfa-6268	51	11	fisher	fisher	PROPN
ajfa-6268	51	12	equation	equation	NOUN
ajfa-6268	51	13	of	of	ADP
ajfa-6268	51	14	exchange	exchange	NOUN
ajfa-6268	51	15	that	that	PRON
ajfa-6268	51	16	states	state	VERB
ajfa-6268	51	17	that	that	SCONJ
ajfa-6268	51	18	the	the	DET
ajfa-6268	51	19	quantum	quantum	NOUN
ajfa-6268	51	20	of	of	ADP
ajfa-6268	51	21	money	money	NOUN
ajfa-6268	51	22	multiplied	multiply	VERB
ajfa-6268	51	23	by	by	ADP
ajfa-6268	51	24	the	the	DET
ajfa-6268	51	25	velocity	velocity	NOUN
ajfa-6268	51	26	of	of	ADP
ajfa-6268	51	27	money	money	NOUN
ajfa-6268	51	28	is	be	AUX
ajfa-6268	51	29	equal	equal	ADJ
ajfa-6268	51	30	to	to	ADP
ajfa-6268	51	31	the	the	DET
ajfa-6268	51	32	price	price	NOUN
ajfa-6268	51	33	level	level	NOUN
ajfa-6268	51	34	multiplied	multiply	VERB
ajfa-6268	51	35	by	by	ADP
ajfa-6268	51	36	the	the	DET
ajfa-6268	51	37	amount	amount	NOUN
ajfa-6268	51	38	of	of	ADP
ajfa-6268	51	39	goods	good	NOUN
ajfa-6268	51	40	sold	sell	VERB
ajfa-6268	51	41	.	.	PUNCT
ajfa-6268	52	1	it	it	PRON
ajfa-6268	52	2	is	be	AUX
ajfa-6268	52	3	often	often	ADV
ajfa-6268	52	4	replicated	replicate	VERB
ajfa-6268	52	5	as	as	ADP
ajfa-6268	52	6	mv=	mv=	PROPN
ajfa-6268	52	7	pq	pq	NOUN
ajfa-6268	52	8	,	,	PUNCT
ajfa-6268	52	9	m	m	VERB
ajfa-6268	52	10	is	be	AUX
ajfa-6268	52	11	defined	define	VERB
ajfa-6268	52	12	as	as	ADP
ajfa-6268	52	13	the	the	DET
ajfa-6268	52	14	quantity	quantity	NOUN
ajfa-6268	52	15	of	of	ADP
ajfa-6268	52	16	money	money	NOUN
ajfa-6268	52	17	,	,	PUNCT
ajfa-6268	52	18	v	v	NOUN
ajfa-6268	52	19	is	be	AUX
ajfa-6268	52	20	the	the	DET
ajfa-6268	52	21	velocity	velocity	NOUN
ajfa-6268	52	22	of	of	ADP
ajfa-6268	52	23	money	money	NOUN
ajfa-6268	52	24	(	(	PUNCT
ajfa-6268	52	25	the	the	DET
ajfa-6268	52	26	number	number	NOUN
ajfa-6268	52	27	of	of	ADP
ajfa-6268	52	28	times	time	NOUN
ajfa-6268	52	29	in	in	ADP
ajfa-6268	52	30	a	a	DET
ajfa-6268	52	31	year	year	NOUN
ajfa-6268	52	32	that	that	PRON
ajfa-6268	52	33	a	a	DET
ajfa-6268	52	34	currency	currency	NOUN
ajfa-6268	52	35	goes	go	VERB
ajfa-6268	52	36	around	around	ADV
ajfa-6268	52	37	to	to	PART
ajfa-6268	52	38	generate	generate	VERB
ajfa-6268	52	39	a	a	DET
ajfa-6268	52	40	currency	currency	NOUN
ajfa-6268	52	41	worth	worth	NOUN
ajfa-6268	52	42	of	of	ADP
ajfa-6268	52	43	income	income	NOUN
ajfa-6268	52	44	)	)	PUNCT
ajfa-6268	52	45	,	,	PUNCT
ajfa-6268	52	46	p	p	NOUN
ajfa-6268	52	47	represents	represent	VERB
ajfa-6268	52	48	the	the	DET
ajfa-6268	52	49	price	price	NOUN
ajfa-6268	52	50	level	level	NOUN
ajfa-6268	52	51	and	and	CCONJ
ajfa-6268	52	52	q	q	NOUN
ajfa-6268	52	53	is	be	AUX
ajfa-6268	52	54	the	the	DET
ajfa-6268	52	55	quantity	quantity	NOUN
ajfa-6268	52	56	of	of	ADP
ajfa-6268	52	57	real	real	ADJ
ajfa-6268	52	58	goods	good	NOUN
ajfa-6268	52	59	sold	sell	VERB
ajfa-6268	52	60	(	(	PUNCT
ajfa-6268	52	61	real	real	ADJ
ajfa-6268	52	62	output	output	NOUN
ajfa-6268	52	63	)	)	PUNCT
ajfa-6268	52	64	.	.	PUNCT
ajfa-6268	53	1	by	by	ADP
ajfa-6268	53	2	definition	definition	NOUN
ajfa-6268	53	3	,	,	PUNCT
ajfa-6268	53	4	this	this	DET
ajfa-6268	53	5	equation	equation	NOUN
ajfa-6268	53	6	is	be	AUX
ajfa-6268	53	7	true	true	ADJ
ajfa-6268	53	8	.	.	PUNCT
ajfa-6268	54	1	it	it	PRON
ajfa-6268	54	2	becomes	become	VERB
ajfa-6268	54	3	a	a	DET
ajfa-6268	54	4	theory	theory	NOUN
ajfa-6268	54	5	based	base	VERB
ajfa-6268	54	6	on	on	ADP
ajfa-6268	54	7	the	the	DET
ajfa-6268	54	8	assumptions	assumption	NOUN
ajfa-6268	54	9	surrounding	surround	VERB
ajfa-6268	54	10	it	it	PRON
ajfa-6268	54	11	.	.	PUNCT
ajfa-6268	55	1	the	the	DET
ajfa-6268	55	2	introduction	introduction	NOUN
ajfa-6268	55	3	of	of	ADP
ajfa-6268	55	4	the	the	DET
ajfa-6268	55	5	modern	modern	ADJ
ajfa-6268	55	6	banking	banking	NOUN
ajfa-6268	55	7	system	system	NOUN
ajfa-6268	55	8	has	have	VERB
ajfa-6268	55	9	to	to	ADP
ajfa-6268	55	10	a	a	DET
ajfa-6268	55	11	great	great	ADJ
ajfa-6268	55	12	extent	extent	NOUN
ajfa-6268	55	13	brought	bring	VERB
ajfa-6268	55	14	about	about	ADP
ajfa-6268	55	15	the	the	DET
ajfa-6268	55	16	gradual	gradual	ADJ
ajfa-6268	55	17	elimination	elimination	NOUN
ajfa-6268	55	18	of	of	ADP
ajfa-6268	55	19	cash	cash	NOUN
ajfa-6268	55	20	based	base	VERB
ajfa-6268	55	21	economy	economy	NOUN
ajfa-6268	55	22	in	in	ADP
ajfa-6268	55	23	most	most	ADJ
ajfa-6268	55	24	countries	country	NOUN
ajfa-6268	55	25	.	.	PUNCT
ajfa-6268	56	1	in	in	ADP
ajfa-6268	56	2	nigeria	nigeria	PROPN
ajfa-6268	56	3	for	for	ADP
ajfa-6268	56	4	instance	instance	NOUN
ajfa-6268	56	5	,	,	PUNCT
ajfa-6268	56	6	most	most	ADJ
ajfa-6268	56	7	banks	bank	NOUN
ajfa-6268	56	8	have	have	AUX
ajfa-6268	56	9	adopted	adopt	VERB
ajfa-6268	56	10	this	this	DET
ajfa-6268	56	11	cashless	cashless	NOUN
ajfa-6268	56	12	policy	policy	NOUN
ajfa-6268	56	13	to	to	PART
ajfa-6268	56	14	form	form	VERB
ajfa-6268	56	15	and	and	CCONJ
ajfa-6268	56	16	gain	gain	VERB
ajfa-6268	56	17	a	a	DET
ajfa-6268	56	18	strong	strong	ADJ
ajfa-6268	56	19	competitive	competitive	ADJ
ajfa-6268	56	20	ground	ground	NOUN
ajfa-6268	56	21	over	over	ADP
ajfa-6268	56	22	other	other	ADJ
ajfa-6268	56	23	banks	bank	NOUN
ajfa-6268	56	24	.	.	PUNCT
ajfa-6268	57	1	there	there	PRON
ajfa-6268	57	2	have	have	AUX
ajfa-6268	57	3	been	be	AUX
ajfa-6268	57	4	several	several	ADJ
ajfa-6268	57	5	arguments	argument	NOUN
ajfa-6268	57	6	for	for	ADP
ajfa-6268	57	7	and	and	CCONJ
ajfa-6268	57	8	against	against	ADP
ajfa-6268	57	9	the	the	DET
ajfa-6268	57	10	use	use	NOUN
ajfa-6268	57	11	of	of	ADP
ajfa-6268	57	12	ict	ict	NOUN
ajfa-6268	57	13	in	in	ADP
ajfa-6268	57	14	the	the	DET
ajfa-6268	57	15	banking	banking	NOUN
ajfa-6268	57	16	system	system	NOUN
ajfa-6268	57	17	.	.	PUNCT
ajfa-6268	58	1	the	the	DET
ajfa-6268	58	2	arguments	argument	NOUN
ajfa-6268	58	3	for	for	ADP
ajfa-6268	58	4	the	the	DET
ajfa-6268	58	5	use	use	NOUN
ajfa-6268	58	6	of	of	ADP
ajfa-6268	58	7	ict	ict	NOUN
ajfa-6268	58	8	in	in	ADP
ajfa-6268	58	9	the	the	DET
ajfa-6268	58	10	banking	banking	NOUN
ajfa-6268	58	11	system	system	NOUN
ajfa-6268	58	12	are	be	AUX
ajfa-6268	58	13	as	as	SCONJ
ajfa-6268	58	14	follows	follow	VERB
ajfa-6268	58	15	;	;	PUNCT
ajfa-6268	58	16	(	(	PUNCT
ajfa-6268	58	17	humphrey	humphrey	PROPN
ajfa-6268	58	18	et	et	PROPN
ajfa-6268	58	19	al	al	PROPN
ajfa-6268	58	20	,	,	PUNCT
ajfa-6268	58	21	2001	2001	NUM
ajfa-6268	58	22	)	)	PUNCT
ajfa-6268	58	23	supports	support	VERB
ajfa-6268	58	24	the	the	DET
ajfa-6268	58	25	fact	fact	NOUN
ajfa-6268	58	26	that	that	SCONJ
ajfa-6268	58	27	the	the	DET
ajfa-6268	58	28	introduction	introduction	NOUN
ajfa-6268	58	29	and	and	CCONJ
ajfa-6268	58	30	use	use	NOUN
ajfa-6268	58	31	of	of	ADP
ajfa-6268	58	32	electronic	electronic	ADJ
ajfa-6268	58	33	payment	payment	NOUN
ajfa-6268	58	34	instruments	instrument	NOUN
ajfa-6268	58	35	holds	hold	VERB
ajfa-6268	58	36	the	the	DET
ajfa-6268	58	37	promise	promise	NOUN
ajfa-6268	58	38	of	of	ADP
ajfa-6268	58	39	broad	broad	ADJ
ajfa-6268	58	40	benefit	benefit	NOUN
ajfa-6268	58	41	to	to	ADP
ajfa-6268	58	42	both	both	DET
ajfa-6268	58	43	business	business	NOUN
ajfa-6268	58	44	and	and	CCONJ
ajfa-6268	58	45	consumers	consumer	NOUN
ajfa-6268	58	46	in	in	ADP
ajfa-6268	58	47	the	the	DET
ajfa-6268	58	48	form	form	NOUN
ajfa-6268	58	49	of	of	ADP
ajfa-6268	58	50	reduced	reduce	VERB
ajfa-6268	58	51	costs	cost	NOUN
ajfa-6268	58	52	,	,	PUNCT
ajfa-6268	58	53	greater	great	ADJ
ajfa-6268	58	54	convenience	convenience	NOUN
ajfa-6268	58	55	and	and	CCONJ
ajfa-6268	58	56	more	more	ADV
ajfa-6268	58	57	secure	secure	ADJ
ajfa-6268	58	58	,	,	PUNCT
ajfa-6268	58	59	reliable	reliable	ADJ
ajfa-6268	58	60	means	mean	NOUN
ajfa-6268	58	61	of	of	ADP
ajfa-6268	58	62	payment	payment	NOUN
ajfa-6268	58	63	and	and	CCONJ
ajfa-6268	58	64	settlement	settlement	NOUN
ajfa-6268	58	65	for	for	ADP
ajfa-6268	58	66	a	a	DET
ajfa-6268	58	67	potentially	potentially	ADV
ajfa-6268	58	68	vast	vast	ADJ
ajfa-6268	58	69	range	range	NOUN
ajfa-6268	58	70	of	of	ADP
ajfa-6268	58	71	goods	good	NOUN
ajfa-6268	58	72	and	and	CCONJ
ajfa-6268	58	73	services	service	NOUN
ajfa-6268	58	74	offered	offer	VERB
ajfa-6268	58	75	worldwide	worldwide	ADV
ajfa-6268	58	76	over	over	ADP
ajfa-6268	58	77	the	the	DET
ajfa-6268	58	78	internet	internet	NOUN
ajfa-6268	58	79	or	or	CCONJ
ajfa-6268	58	80	other	other	ADJ
ajfa-6268	58	81	electronic	electronic	ADJ
ajfa-6268	58	82	networks	network	NOUN
ajfa-6268	58	83	.	.	PUNCT
ajfa-6268	59	1	one	one	NUM
ajfa-6268	59	2	such	such	ADJ
ajfa-6268	59	3	benefit	benefit	NOUN
ajfa-6268	59	4	is	be	AUX
ajfa-6268	59	5	that	that	SCONJ
ajfa-6268	59	6	electronic	electronic	ADJ
ajfa-6268	59	7	payments	payment	NOUN
ajfa-6268	59	8	enable	enable	VERB
ajfa-6268	59	9	bank	bank	NOUN
ajfa-6268	59	10	customers	customer	NOUN
ajfa-6268	59	11	to	to	PART
ajfa-6268	59	12	handle	handle	VERB
ajfa-6268	59	13	their	their	PRON
ajfa-6268	59	14	daily	daily	ADJ
ajfa-6268	59	15	financial	financial	ADJ
ajfa-6268	59	16	transactions	transaction	NOUN
ajfa-6268	59	17	without	without	ADP
ajfa-6268	59	18	having	have	VERB
ajfa-6268	59	19	to	to	PART
ajfa-6268	59	20	visit	visit	VERB
ajfa-6268	59	21	their	their	PRON
ajfa-6268	59	22	local	local	ADJ
ajfa-6268	59	23	bank	bank	NOUN
ajfa-6268	59	24	branch	branch	NOUN
ajfa-6268	59	25	.	.	PUNCT
ajfa-6268	60	1	electronic	electronic	ADJ
ajfa-6268	60	2	payments	payment	NOUN
ajfa-6268	60	3	products	product	NOUN
ajfa-6268	60	4	could	could	AUX
ajfa-6268	60	5	save	save	VERB
ajfa-6268	60	6	merchants	merchant	NOUN
ajfa-6268	60	7	time	time	NOUN
ajfa-6268	60	8	and	and	CCONJ
ajfa-6268	60	9	expense	expense	NOUN
ajfa-6268	60	10	in	in	ADP
ajfa-6268	60	11	handling	handle	VERB
ajfa-6268	60	12	cash	cash	NOUN
ajfa-6268	60	13	(	(	PUNCT
ajfa-6268	60	14	appiah	appiah	PROPN
ajfa-6268	60	15	and	and	CCONJ
ajfa-6268	60	16	agyemang	agyemang	PROPN
ajfa-6268	60	17	,	,	PUNCT
ajfa-6268	60	18	2006	2006	NUM
ajfa-6268	60	19	)	)	PUNCT
ajfa-6268	60	20	.	.	PUNCT
ajfa-6268	61	1	according	accord	VERB
ajfa-6268	61	2	to	to	ADP
ajfa-6268	61	3	(	(	PUNCT
ajfa-6268	61	4	cobb	cobb	PROPN
ajfa-6268	61	5	,	,	PUNCT
ajfa-6268	61	6	2005	2005	NUM
ajfa-6268	61	7	)	)	PUNCT
ajfa-6268	61	8	,	,	PUNCT
ajfa-6268	61	9	“	"	PUNCT
ajfa-6268	61	10	electronic	electronic	ADJ
ajfa-6268	61	11	payments	payment	NOUN
ajfa-6268	61	12	can	can	AUX
ajfa-6268	61	13	thus	thus	ADV
ajfa-6268	61	14	lower	low	ADJ
ajfa-6268	61	15	transaction	transaction	NOUN
ajfa-6268	61	16	costs	cost	NOUN
ajfa-6268	61	17	stimulate	stimulate	VERB
ajfa-6268	61	18	higher	high	ADJ
ajfa-6268	61	19	consumption	consumption	NOUN
ajfa-6268	61	20	and	and	CCONJ
ajfa-6268	61	21	gdp	gdp	NOUN
ajfa-6268	61	22	,	,	PUNCT
ajfa-6268	61	23	increase	increase	VERB
ajfa-6268	61	24	government	government	NOUN
ajfa-6268	61	25	efficiency	efficiency	NOUN
ajfa-6268	61	26	,	,	PUNCT
ajfa-6268	61	27	boost	boost	VERB
ajfa-6268	61	28	financial	financial	ADJ
ajfa-6268	61	29	intermediation	intermediation	NOUN
ajfa-6268	61	30	and	and	CCONJ
ajfa-6268	61	31	improve	improve	VERB
ajfa-6268	61	32	financial	financial	ADJ
ajfa-6268	61	33	transparency	transparency	NOUN
ajfa-6268	61	34	”	"	PUNCT
ajfa-6268	61	35	.	.	PUNCT
ajfa-6268	62	1	she	she	PRON
ajfa-6268	62	2	further	far	ADV
ajfa-6268	62	3	added	add	VERB
ajfa-6268	62	4	that	that	SCONJ
ajfa-6268	62	5	“	"	PUNCT
ajfa-6268	62	6	governments	government	NOUN
ajfa-6268	62	7	play	play	VERB
ajfa-6268	62	8	a	a	DET
ajfa-6268	62	9	critically	critically	ADV
ajfa-6268	62	10	important	important	ADJ
ajfa-6268	62	11	role	role	NOUN
ajfa-6268	62	12	in	in	ADP
ajfa-6268	62	13	creating	create	VERB
ajfa-6268	62	14	an	an	DET
ajfa-6268	62	15	environment	environment	NOUN
ajfa-6268	62	16	in	in	ADP
ajfa-6268	62	17	which	which	PRON
ajfa-6268	62	18	these	these	DET
ajfa-6268	62	19	benefits	benefit	NOUN
ajfa-6268	62	20	can	can	AUX
ajfa-6268	62	21	be	be	AUX
ajfa-6268	62	22	achieved	achieve	VERB
ajfa-6268	62	23	in	in	ADP
ajfa-6268	62	24	a	a	DET
ajfa-6268	62	25	way	way	NOUN
ajfa-6268	62	26	that	that	PRON
ajfa-6268	62	27	is	be	AUX
ajfa-6268	62	28	consistent	consistent	ADJ
ajfa-6268	62	29	with	with	ADP
ajfa-6268	62	30	their	their	PRON
ajfa-6268	62	31	own	own	ADJ
ajfa-6268	62	32	economic	economic	ADJ
ajfa-6268	62	33	development	development	NOUN
ajfa-6268	62	34	plans	plan	NOUN
ajfa-6268	62	35	”	"	PUNCT
ajfa-6268	62	36	.	.	PUNCT
ajfa-6268	63	1	however	however	ADV
ajfa-6268	63	2	,	,	PUNCT
ajfa-6268	63	3	experts	expert	NOUN
ajfa-6268	63	4	in	in	ADP
ajfa-6268	63	5	the	the	DET
ajfa-6268	63	6	financial	financial	ADJ
ajfa-6268	63	7	sector	sector	NOUN
ajfa-6268	63	8	have	have	AUX
ajfa-6268	63	9	stressed	stress	VERB
ajfa-6268	63	10	that	that	SCONJ
ajfa-6268	63	11	unless	unless	SCONJ
ajfa-6268	63	12	something	something	PRON
ajfa-6268	63	13	radically	radically	ADV
ajfa-6268	63	14	innovative	innovative	ADJ
ajfa-6268	63	15	,	,	PUNCT
ajfa-6268	63	16	functional	functional	ADJ
ajfa-6268	63	17	and	and	CCONJ
ajfa-6268	63	18	savvy	savvy	ADJ
ajfa-6268	63	19	is	be	AUX
ajfa-6268	63	20	introduced	introduce	VERB
ajfa-6268	63	21	,	,	PUNCT
ajfa-6268	63	22	which	which	PRON
ajfa-6268	63	23	accounts	account	VERB
ajfa-6268	63	24	for	for	ADP
ajfa-6268	63	25	attitudes	attitude	NOUN
ajfa-6268	63	26	as	as	ADV
ajfa-6268	63	27	well	well	ADV
ajfa-6268	63	28	as	as	ADP
ajfa-6268	63	29	the	the	DET
ajfa-6268	63	30	huge	huge	ADJ
ajfa-6268	63	31	un	un	ADJ
ajfa-6268	63	32	-	-	ADJ
ajfa-6268	63	33	banked	banked	ADJ
ajfa-6268	63	34	population	population	NOUN
ajfa-6268	63	35	,	,	PUNCT
ajfa-6268	63	36	the	the	DET
ajfa-6268	63	37	country	country	NOUN
ajfa-6268	63	38	's	's	PART
ajfa-6268	63	39	dream	dream	NOUN
ajfa-6268	63	40	of	of	ADP
ajfa-6268	63	41	building	build	VERB
ajfa-6268	63	42	a	a	DET
ajfa-6268	63	43	functionally	functionally	ADV
ajfa-6268	63	44	cashless	cashless	NOUN
ajfa-6268	63	45	society	society	NOUN
ajfa-6268	63	46	in	in	ADP
ajfa-6268	63	47	the	the	DET
ajfa-6268	63	48	shortest	short	ADJ
ajfa-6268	63	49	possible	possible	ADJ
ajfa-6268	63	50	time	time	NOUN
ajfa-6268	63	51	could	could	AUX
ajfa-6268	63	52	be	be	AUX
ajfa-6268	63	53	elusive	elusive	ADJ
ajfa-6268	63	54	(	(	PUNCT
ajfa-6268	63	55	ackorlie	ackorlie	NOUN
ajfa-6268	63	56	,	,	PUNCT
ajfa-6268	63	57	2009	2009	NUM
ajfa-6268	63	58	)	)	PUNCT
ajfa-6268	63	59	.	.	PUNCT
ajfa-6268	64	1	2.2	2.2	NUM
ajfa-6268	64	2	review	review	NOUN
ajfa-6268	64	3	of	of	ADP
ajfa-6268	64	4	related	related	ADJ
ajfa-6268	64	5	empirical	empirical	ADJ
ajfa-6268	64	6	literature	literature	NOUN
ajfa-6268	64	7	summary	summary	NOUN
ajfa-6268	64	8	of	of	ADP
ajfa-6268	64	9	related	related	ADJ
ajfa-6268	64	10	empirical	empirical	ADJ
ajfa-6268	64	11	literature	literature	NOUN
ajfa-6268	64	12	which	which	PRON
ajfa-6268	64	13	was	be	AUX
ajfa-6268	64	14	reviewed	review	VERB
ajfa-6268	64	15	to	to	PART
ajfa-6268	64	16	provide	provide	VERB
ajfa-6268	64	17	evidence	evidence	NOUN
ajfa-6268	64	18	of	of	ADP
ajfa-6268	64	19	studies	study	NOUN
ajfa-6268	64	20	on	on	ADP
ajfa-6268	64	21	related	related	ADJ
ajfa-6268	64	22	areas	area	NOUN
ajfa-6268	64	23	is	be	AUX
ajfa-6268	64	24	presented	present	VERB
ajfa-6268	64	25	in	in	ADP
ajfa-6268	64	26	table	table	NOUN
ajfa-6268	64	27	1	1	NUM
ajfa-6268	64	28	.	.	PUNCT
ajfa-6268	64	29	asian	asian	ADJ
ajfa-6268	64	30	journal	journal	PROPN
ajfa-6268	64	31	of	of	ADP
ajfa-6268	64	32	finance	finance	PROPN
ajfa-6268	64	33	&	&	CCONJ
ajfa-6268	64	34	accounting	accounting	PROPN
ajfa-6268	64	35	issn	issn	PROPN
ajfa-6268	64	36	1946	1946	NUM
ajfa-6268	64	37	-	-	PUNCT
ajfa-6268	64	38	052x	052x	PROPN
ajfa-6268	64	39	2014	2014	NUM
ajfa-6268	64	40	,	,	PUNCT
ajfa-6268	64	41	vol	vol	NOUN
ajfa-6268	64	42	.	.	PROPN
ajfa-6268	64	43	6	6	NUM
ajfa-6268	64	44	,	,	PUNCT
ajfa-6268	64	45	no	no	INTJ
ajfa-6268	64	46	.	.	NOUN
ajfa-6268	64	47	2	2	NUM
ajfa-6268	64	48	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NOUN
ajfa-6268	64	49	366	366	NUM
ajfa-6268	64	50	table	table	NOUN
ajfa-6268	64	51	1	1	NUM
ajfa-6268	64	52	.	.	PUNCT
ajfa-6268	65	1	summary	summary	NOUN
ajfa-6268	65	2	of	of	ADP
ajfa-6268	65	3	empirical	empirical	ADJ
ajfa-6268	65	4	literature	literature	PROPN
ajfa-6268	65	5	s	s	PART
ajfa-6268	65	6	/	/	SYM
ajfa-6268	65	7	n	n	NUM
ajfa-6268	65	8	o	o	NOUN
ajfa-6268	65	9	topic	topic	NOUN
ajfa-6268	65	10	au	au	X
ajfa-6268	65	11	th	th	X
ajfa-6268	65	12	or	or	CCONJ
ajfa-6268	65	13	y	y	PROPN
ajfa-6268	65	14	e	e	PROPN
ajfa-6268	65	15	a	a	DET
ajfa-6268	65	16	r	r	NOUN
ajfa-6268	65	17	objective	objective	ADJ
ajfa-6268	65	18	methodology	methodology	NOUN
ajfa-6268	65	19	finding	finding	NOUN
ajfa-6268	65	20	/	/	SYM
ajfa-6268	65	21	conclusio	conclusio	NOUN
ajfa-6268	65	22	n	n	PRON
ajfa-6268	65	23	1	1	NUM
ajfa-6268	65	24	.	.	PUNCT
ajfa-6268	66	1	an	an	DET
ajfa-6268	66	2	appraisal	appraisal	NOUN
ajfa-6268	66	3	of	of	ADP
ajfa-6268	66	4	cashless	cashless	NOUN
ajfa-6268	66	5	economy	economy	NOUN
ajfa-6268	66	6	policy	policy	NOUN
ajfa-6268	66	7	in	in	ADP
ajfa-6268	66	8	developme	developme	NOUN
ajfa-6268	66	9	nt	not	PART
ajfa-6268	66	10	of	of	ADP
ajfa-6268	66	11	nigerian	nigerian	ADJ
ajfa-6268	66	12	economy	economy	NOUN
ajfa-6268	66	13	.	.	PUNCT
ajfa-6268	67	1	oko	oko	PROPN
ajfa-6268	67	2	ye	ye	PROPN
ajfa-6268	67	3	,	,	PUNCT
ajfa-6268	67	4	p.v	p.v	PROPN
ajfa-6268	67	5	.	.	PROPN
ajfa-6268	67	6	c.	c.	PROPN
ajfa-6268	67	7	and	and	CCONJ
ajfa-6268	67	8	r.	r.	PROPN
ajfa-6268	67	9	ezej	ezej	PROPN
ajfa-6268	67	10	iofo	iofo	NOUN
ajfa-6268	67	11	r	r	NOUN
ajfa-6268	67	12	2	2	NUM
ajfa-6268	67	13	0	0	NUM
ajfa-6268	67	14	1	1	NUM
ajfa-6268	67	15	3	3	NUM
ajfa-6268	67	16	to	to	PART
ajfa-6268	67	17	examine	examine	VERB
ajfa-6268	67	18	the	the	DET
ajfa-6268	67	19	significant	significant	ADJ
ajfa-6268	67	20	benefits	benefit	NOUN
ajfa-6268	67	21	and	and	CCONJ
ajfa-6268	67	22	essential	essential	ADJ
ajfa-6268	67	23	elements	element	NOUN
ajfa-6268	67	24	of	of	ADP
ajfa-6268	67	25	a	a	DET
ajfa-6268	67	26	cashless	cashless	NOUN
ajfa-6268	67	27	economy	economy	NOUN
ajfa-6268	67	28	,	,	PUNCT
ajfa-6268	67	29	and	and	CCONJ
ajfa-6268	67	30	to	to	PART
ajfa-6268	67	31	check	check	VERB
ajfa-6268	67	32	the	the	DET
ajfa-6268	67	33	extent	extent	NOUN
ajfa-6268	67	34	to	to	PART
ajfa-6268	67	35	which	which	PRON
ajfa-6268	67	36	it	it	PRON
ajfa-6268	67	37	can	can	AUX
ajfa-6268	67	38	enhance	enhance	VERB
ajfa-6268	67	39	the	the	DET
ajfa-6268	67	40	growth	growth	NOUN
ajfa-6268	67	41	of	of	ADP
ajfa-6268	67	42	financial	financial	ADJ
ajfa-6268	67	43	stability	stability	NOUN
ajfa-6268	67	44	in	in	ADP
ajfa-6268	67	45	the	the	DET
ajfa-6268	67	46	country	country	NOUN
ajfa-6268	67	47	.	.	PUNCT
ajfa-6268	68	1	the	the	DET
ajfa-6268	68	2	data	datum	NOUN
ajfa-6268	68	3	collected	collect	VERB
ajfa-6268	68	4	was	be	AUX
ajfa-6268	68	5	subjected	subject	VERB
ajfa-6268	68	6	to	to	PART
ajfa-6268	68	7	face	face	VERB
ajfa-6268	68	8	validity	validity	NOUN
ajfa-6268	68	9	test	test	NOUN
ajfa-6268	68	10	,	,	PUNCT
ajfa-6268	68	11	and	and	CCONJ
ajfa-6268	68	12	was	be	AUX
ajfa-6268	68	13	tested	test	VERB
ajfa-6268	68	14	with	with	ADP
ajfa-6268	68	15	anova	anova	PROPN
ajfa-6268	68	16	and	and	CCONJ
ajfa-6268	68	17	chi	chi	PROPN
ajfa-6268	68	18	–	–	PUNCT
ajfa-6268	68	19	square	square	ADJ
ajfa-6268	68	20	(	(	PUNCT
ajfa-6268	68	21	x2	x2	ADJ
ajfa-6268	68	22	)	)	PUNCT
ajfa-6268	68	23	technique	technique	NOUN
ajfa-6268	68	24	was	be	AUX
ajfa-6268	68	25	used	use	VERB
ajfa-6268	68	26	to	to	PART
ajfa-6268	68	27	test	test	VERB
ajfa-6268	68	28	the	the	DET
ajfa-6268	68	29	hypotheses	hypothesis	NOUN
ajfa-6268	68	30	the	the	DET
ajfa-6268	68	31	nigerian	nigerian	ADJ
ajfa-6268	68	32	economy	economy	NOUN
ajfa-6268	68	33	is	be	AUX
ajfa-6268	68	34	in	in	ADP
ajfa-6268	68	35	exciting	exciting	ADJ
ajfa-6268	68	36	but	but	CCONJ
ajfa-6268	68	37	challenging	challenging	ADJ
ajfa-6268	68	38	times	time	NOUN
ajfa-6268	68	39	,	,	PUNCT
ajfa-6268	68	40	the	the	DET
ajfa-6268	68	41	proper	proper	ADJ
ajfa-6268	68	42	foundations	foundation	NOUN
ajfa-6268	68	43	have	have	VERB
ajfa-6268	68	44	to	to	PART
ajfa-6268	68	45	be	be	AUX
ajfa-6268	68	46	established	establish	VERB
ajfa-6268	68	47	as	as	SCONJ
ajfa-6268	68	48	the	the	DET
ajfa-6268	68	49	cbn	cbn	PROPN
ajfa-6268	68	50	courageously	courageously	ADV
ajfa-6268	68	51	transform	transform	VERB
ajfa-6268	68	52	the	the	DET
ajfa-6268	68	53	modes	mode	NOUN
ajfa-6268	68	54	of	of	ADP
ajfa-6268	68	55	operation	operation	NOUN
ajfa-6268	68	56	of	of	ADP
ajfa-6268	68	57	the	the	DET
ajfa-6268	68	58	nigeria	nigeria	PROPN
ajfa-6268	68	59	economy	economy	PROPN
ajfa-6268	68	60	”	"	PUNCT
ajfa-6268	68	61	.	.	PUNCT
ajfa-6268	69	1	2	2	X
ajfa-6268	69	2	.	.	X
ajfa-6268	69	3	the	the	DET
ajfa-6268	69	4	impact	impact	NOUN
ajfa-6268	69	5	of	of	ADP
ajfa-6268	69	6	cashless	cashless	NOUN
ajfa-6268	69	7	banking	banking	NOUN
ajfa-6268	69	8	in	in	ADP
ajfa-6268	69	9	nigeria	nigeria	PROPN
ajfa-6268	69	10	,	,	PUNCT
ajfa-6268	69	11	its	its	PRON
ajfa-6268	69	12	challenges	challenge	NOUN
ajfa-6268	69	13	,	,	PUNCT
ajfa-6268	69	14	benefits	benefit	NOUN
ajfa-6268	69	15	and	and	CCONJ
ajfa-6268	69	16	policy	policy	NOUN
ajfa-6268	69	17	implications	implication	NOUN
ajfa-6268	69	18	odi	odi	VERB
ajfa-6268	69	19	or	or	CCONJ
ajfa-6268	69	20	,	,	PUNCT
ajfa-6268	69	21	e.	e.	PROPN
ajfa-6268	69	22	s.	s.	PROPN
ajfa-6268	69	23	and	and	CCONJ
ajfa-6268	69	24	fadi	fadi	VERB
ajfa-6268	69	25	ya	ya	PROPN
ajfa-6268	69	26	.	.	PUNCT
ajfa-6268	70	1	b.	b.	PROPN
ajfa-6268	71	1	b	b	PROPN
ajfa-6268	71	2	2	2	NUM
ajfa-6268	71	3	0	0	NUM
ajfa-6268	71	4	1	1	NUM
ajfa-6268	71	5	3	3	NUM
ajfa-6268	71	6	to	to	PART
ajfa-6268	71	7	analyze	analyze	VERB
ajfa-6268	71	8	the	the	DET
ajfa-6268	71	9	positive	positive	ADJ
ajfa-6268	71	10	and	and	CCONJ
ajfa-6268	71	11	negative	negative	ADJ
ajfa-6268	71	12	policy	policy	NOUN
ajfa-6268	71	13	implications	implication	NOUN
ajfa-6268	71	14	of	of	ADP
ajfa-6268	71	15	cash	cash	NOUN
ajfa-6268	71	16	-	-	PUNCT
ajfa-6268	71	17	less	less	ADJ
ajfa-6268	71	18	banking	banking	NOUN
ajfa-6268	71	19	for	for	ADP
ajfa-6268	71	20	the	the	DET
ajfa-6268	71	21	nigerian	nigerian	ADJ
ajfa-6268	71	22	economy	economy	NOUN
ajfa-6268	71	23	,	,	PUNCT
ajfa-6268	71	24	with	with	ADP
ajfa-6268	71	25	a	a	DET
ajfa-6268	71	26	view	view	NOUN
ajfa-6268	71	27	to	to	ADP
ajfa-6268	71	28	exposing	expose	VERB
ajfa-6268	71	29	the	the	DET
ajfa-6268	71	30	possible	possible	ADJ
ajfa-6268	71	31	benefits	benefit	NOUN
ajfa-6268	71	32	and	and	CCONJ
ajfa-6268	71	33	challenges	challenge	NOUN
ajfa-6268	71	34	posed	pose	VERB
ajfa-6268	71	35	on	on	ADP
ajfa-6268	71	36	economy	economy	NOUN
ajfa-6268	71	37	.	.	PUNCT
ajfa-6268	72	1	the	the	DET
ajfa-6268	72	2	data	datum	NOUN
ajfa-6268	72	3	employed	employ	VERB
ajfa-6268	72	4	in	in	ADP
ajfa-6268	72	5	the	the	DET
ajfa-6268	72	6	study	study	NOUN
ajfa-6268	72	7	was	be	AUX
ajfa-6268	72	8	from	from	ADP
ajfa-6268	72	9	secondary	secondary	ADJ
ajfa-6268	72	10	sources	source	NOUN
ajfa-6268	72	11	using	use	VERB
ajfa-6268	72	12	descriptive	descriptive	ADJ
ajfa-6268	72	13	analysis	analysis	NOUN
ajfa-6268	72	14	with	with	ADP
ajfa-6268	72	15	the	the	DET
ajfa-6268	72	16	aid	aid	NOUN
ajfa-6268	72	17	of	of	ADP
ajfa-6268	72	18	graphs	graph	NOUN
ajfa-6268	72	19	,	,	PUNCT
ajfa-6268	72	20	tables	table	NOUN
ajfa-6268	72	21	,	,	PUNCT
ajfa-6268	72	22	charts	chart	NOUN
ajfa-6268	72	23	and	and	CCONJ
ajfa-6268	72	24	trend	trend	NOUN
ajfa-6268	72	25	analysis	analysis	NOUN
ajfa-6268	72	26	of	of	ADP
ajfa-6268	72	27	cash	cash	NOUN
ajfa-6268	72	28	system	system	NOUN
ajfa-6268	72	29	in	in	ADP
ajfa-6268	72	30	nigeria	nigeria	PROPN
ajfa-6268	72	31	the	the	DET
ajfa-6268	72	32	development	development	NOUN
ajfa-6268	72	33	of	of	ADP
ajfa-6268	72	34	e	e	NOUN
ajfa-6268	72	35	-	-	NOUN
ajfa-6268	72	36	money	money	NOUN
ajfa-6268	72	37	could	could	AUX
ajfa-6268	72	38	lead	lead	VERB
ajfa-6268	72	39	to	to	ADP
ajfa-6268	72	40	the	the	DET
ajfa-6268	72	41	decline	decline	NOUN
ajfa-6268	72	42	in	in	ADP
ajfa-6268	72	43	currency	currency	NOUN
ajfa-6268	72	44	demand	demand	NOUN
ajfa-6268	72	45	;	;	PUNCT
ajfa-6268	72	46	also	also	ADV
ajfa-6268	72	47	the	the	DET
ajfa-6268	72	48	consistent	consistent	ADJ
ajfa-6268	72	49	usage	usage	NOUN
ajfa-6268	72	50	of	of	ADP
ajfa-6268	72	51	e	e	NOUN
ajfa-6268	72	52	-	-	NOUN
ajfa-6268	72	53	channels	channel	NOUN
ajfa-6268	72	54	in	in	ADP
ajfa-6268	72	55	financial	financial	ADJ
ajfa-6268	72	56	transactions	transaction	NOUN
ajfa-6268	72	57	would	would	AUX
ajfa-6268	72	58	lead	lead	VERB
ajfa-6268	72	59	to	to	ADP
ajfa-6268	72	60	network	network	NOUN
ajfa-6268	72	61	congestion	congestion	NOUN
ajfa-6268	72	62	.	.	PUNCT
ajfa-6268	73	1	and	and	CCONJ
ajfa-6268	73	2	finally	finally	ADV
ajfa-6268	73	3	,	,	PUNCT
ajfa-6268	73	4	the	the	DET
ajfa-6268	73	5	cashless	cashless	NOUN
ajfa-6268	73	6	banking	banking	NOUN
ajfa-6268	73	7	system	system	NOUN
ajfa-6268	73	8	would	would	AUX
ajfa-6268	73	9	imply	imply	VERB
ajfa-6268	73	10	the	the	DET
ajfa-6268	73	11	existence	existence	NOUN
ajfa-6268	73	12	of	of	ADP
ajfa-6268	73	13	increase	increase	NOUN
ajfa-6268	73	14	in	in	ADP
ajfa-6268	73	15	competition	competition	NOUN
ajfa-6268	73	16	between	between	ADP
ajfa-6268	73	17	financial	financial	ADJ
ajfa-6268	73	18	and	and	CCONJ
ajfa-6268	73	19	non	non	ADJ
ajfa-6268	73	20	-	-	ADJ
ajfa-6268	73	21	financial	financial	ADJ
ajfa-6268	73	22	institutions	institution	NOUN
ajfa-6268	73	23	such	such	ADJ
ajfa-6268	73	24	as	as	ADP
ajfa-6268	73	25	telecommunication	telecommunication	NOUN
ajfa-6268	73	26	companies	company	NOUN
ajfa-6268	73	27	.	.	PUNCT
ajfa-6268	74	1	3	3	X
ajfa-6268	74	2	.	.	X
ajfa-6268	74	3	the	the	DET
ajfa-6268	74	4	impact	impact	NOUN
ajfa-6268	74	5	of	of	ADP
ajfa-6268	74	6	electronic	electronic	ADJ
ajfa-6268	74	7	banking	banking	NOUN
ajfa-6268	74	8	in	in	ADP
ajfa-6268	74	9	nigeria	nigeria	PROPN
ajfa-6268	74	10	banking	banking	NOUN
ajfa-6268	74	11	system	system	NOUN
ajfa-6268	74	12	olor	olor	PROPN
ajfa-6268	74	13	unse	unse	PROPN
ajfa-6268	74	14	,	,	PUNCT
ajfa-6268	74	15	g	g	PROPN
ajfa-6268	74	16	2	2	NUM
ajfa-6268	74	17	0	0	NUM
ajfa-6268	74	18	1	1	NUM
ajfa-6268	74	19	0	0	NUM
ajfa-6268	74	20	to	to	PART
ajfa-6268	74	21	examine	examine	VERB
ajfa-6268	74	22	the	the	DET
ajfa-6268	74	23	impact	impact	NOUN
ajfa-6268	74	24	of	of	ADP
ajfa-6268	74	25	electronic	electronic	ADJ
ajfa-6268	74	26	banking	banking	NOUN
ajfa-6268	74	27	in	in	ADP
ajfa-6268	74	28	nigeria	nigeria	PROPN
ajfa-6268	74	29	banking	banking	NOUN
ajfa-6268	74	30	system	system	NOUN
ajfa-6268	74	31	on	on	ADP
ajfa-6268	74	32	how	how	SCONJ
ajfa-6268	74	33	different	different	ADJ
ajfa-6268	74	34	channels	channel	NOUN
ajfa-6268	74	35	could	could	AUX
ajfa-6268	74	36	enhance	enhance	VERB
ajfa-6268	74	37	the	the	DET
ajfa-6268	74	38	delivery	delivery	NOUN
ajfa-6268	74	39	of	of	ADP
ajfa-6268	74	40	consumers	consumer	NOUN
ajfa-6268	74	41	and	and	CCONJ
ajfa-6268	74	42	retails	retail	VERB
ajfa-6268	74	43	products	product	NOUN
ajfa-6268	74	44	the	the	DET
ajfa-6268	74	45	primary	primary	ADJ
ajfa-6268	74	46	data	datum	NOUN
ajfa-6268	74	47	were	be	AUX
ajfa-6268	74	48	collected	collect	VERB
ajfa-6268	74	49	through	through	ADP
ajfa-6268	74	50	the	the	DET
ajfa-6268	74	51	use	use	NOUN
ajfa-6268	74	52	of	of	ADP
ajfa-6268	74	53	questionnaire	questionnaire	NOUN
ajfa-6268	74	54	while	while	SCONJ
ajfa-6268	74	55	the	the	DET
ajfa-6268	74	56	secondary	secondary	ADJ
ajfa-6268	74	57	data	datum	NOUN
ajfa-6268	74	58	were	be	AUX
ajfa-6268	74	59	data	datum	NOUN
ajfa-6268	74	60	collected	collect	VERB
ajfa-6268	74	61	from	from	ADP
ajfa-6268	74	62	cbn	cbn	PROPN
ajfa-6268	74	63	electronic	electronic	ADJ
ajfa-6268	74	64	banking	banking	NOUN
ajfa-6268	74	65	guideline	guideline	NOUN
ajfa-6268	74	66	,	,	PUNCT
ajfa-6268	74	67	annual	annual	ADJ
ajfa-6268	74	68	report	report	NOUN
ajfa-6268	74	69	of	of	ADP
ajfa-6268	74	70	unity	unity	PROPN
ajfa-6268	74	71	bank	bank	PROPN
ajfa-6268	74	72	plc	plc	PROPN
ajfa-6268	74	73	.	.	PUNCT
ajfa-6268	75	1	the	the	DET
ajfa-6268	75	2	study	study	NOUN
ajfa-6268	75	3	used	use	VERB
ajfa-6268	75	4	both	both	CCONJ
ajfa-6268	75	5	descriptive	descriptive	ADJ
ajfa-6268	75	6	and	and	CCONJ
ajfa-6268	75	7	inferential	inferential	ADJ
ajfa-6268	75	8	statistics	statistic	NOUN
ajfa-6268	75	9	in	in	ADP
ajfa-6268	75	10	analyzing	analyze	VERB
ajfa-6268	75	11	the	the	DET
ajfa-6268	75	12	data	datum	NOUN
ajfa-6268	75	13	.	.	PUNCT
ajfa-6268	76	1	the	the	DET
ajfa-6268	76	2	electronic	electronic	ADJ
ajfa-6268	76	3	banking	banking	NOUN
ajfa-6268	76	4	system	system	NOUN
ajfa-6268	76	5	in	in	ADP
ajfa-6268	76	6	nigeria	nigeria	PROPN
ajfa-6268	76	7	has	have	AUX
ajfa-6268	76	8	made	make	VERB
ajfa-6268	76	9	banking	banking	NOUN
ajfa-6268	76	10	transaction	transaction	NOUN
ajfa-6268	76	11	to	to	PART
ajfa-6268	76	12	be	be	AUX
ajfa-6268	76	13	easier	easy	ADJ
ajfa-6268	76	14	by	by	ADP
ajfa-6268	76	15	bringing	bring	VERB
ajfa-6268	76	16	services	service	NOUN
ajfa-6268	76	17	closer	close	ADV
ajfa-6268	76	18	to	to	ADP
ajfa-6268	76	19	its	its	PRON
ajfa-6268	76	20	customers	customer	NOUN
ajfa-6268	76	21	.	.	PUNCT
ajfa-6268	77	1	4	4	X
ajfa-6268	77	2	.	.	X
ajfa-6268	77	3	the	the	DET
ajfa-6268	77	4	effect	effect	NOUN
ajfa-6268	77	5	of	of	ADP
ajfa-6268	77	6	cashless	cashless	NOUN
ajfa-6268	77	7	banking	banking	NOUN
ajfa-6268	77	8	on	on	ADP
ajfa-6268	77	9	siya	siya	PROPN
ajfa-6268	77	10	nbol	nbol	PROPN
ajfa-6268	77	11	a	a	PROPN
ajfa-6268	77	12	,	,	PUNCT
ajfa-6268	77	13	t	t	PROPN
ajfa-6268	77	14	2	2	NUM
ajfa-6268	77	15	0	0	NUM
ajfa-6268	77	16	1	1	NUM
ajfa-6268	77	17	to	to	PART
ajfa-6268	77	18	discuss	discuss	VERB
ajfa-6268	77	19	the	the	DET
ajfa-6268	77	20	various	various	ADJ
ajfa-6268	77	21	aspects	aspect	NOUN
ajfa-6268	77	22	of	of	ADP
ajfa-6268	77	23	cashless	cashless	NOUN
ajfa-6268	77	24	banking	banking	NOUN
ajfa-6268	77	25	channels	channel	NOUN
ajfa-6268	77	26	,	,	PUNCT
ajfa-6268	77	27	to	to	ADP
ajfa-6268	77	28	a	a	DET
ajfa-6268	77	29	descriptive	descriptive	ADJ
ajfa-6268	77	30	research	research	NOUN
ajfa-6268	77	31	design	design	NOUN
ajfa-6268	77	32	was	be	AUX
ajfa-6268	77	33	adopted	adopt	VERB
ajfa-6268	77	34	with	with	ADP
ajfa-6268	77	35	data	datum	NOUN
ajfa-6268	77	36	gathered	gather	VERB
ajfa-6268	77	37	through	through	ADP
ajfa-6268	77	38	questionnaire	questionnaire	NOUN
ajfa-6268	77	39	administered	administer	VERB
ajfa-6268	77	40	to	to	ADP
ajfa-6268	77	41	dynamism	dynamism	NOUN
ajfa-6268	77	42	in	in	ADP
ajfa-6268	77	43	financial	financial	ADJ
ajfa-6268	77	44	system	system	NOUN
ajfa-6268	77	45	is	be	AUX
ajfa-6268	77	46	manifested	manifest	VERB
ajfa-6268	77	47	by	by	ADP
ajfa-6268	77	48	the	the	DET
ajfa-6268	77	49	nature	nature	NOUN
ajfa-6268	77	50	and	and	CCONJ
ajfa-6268	77	51	quality	quality	NOUN
ajfa-6268	77	52	of	of	ADP
ajfa-6268	77	53	asian	asian	ADJ
ajfa-6268	77	54	journal	journal	NOUN
ajfa-6268	77	55	of	of	ADP
ajfa-6268	77	56	finance	finance	PROPN
ajfa-6268	77	57	&	&	CCONJ
ajfa-6268	77	58	accounting	accounting	PROPN
ajfa-6268	77	59	issn	issn	PROPN
ajfa-6268	77	60	1946	1946	NUM
ajfa-6268	77	61	-	-	PUNCT
ajfa-6268	77	62	052x	052x	PROPN
ajfa-6268	77	63	2014	2014	NUM
ajfa-6268	77	64	,	,	PUNCT
ajfa-6268	77	65	vol	vol	NOUN
ajfa-6268	77	66	.	.	PROPN
ajfa-6268	77	67	6	6	NUM
ajfa-6268	77	68	,	,	PUNCT
ajfa-6268	77	69	no	no	INTJ
ajfa-6268	77	70	.	.	NOUN
ajfa-6268	77	71	2	2	NUM
ajfa-6268	77	72	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-6268	77	73	367	367	NUM
ajfa-6268	77	74	nigerian	nigerian	ADJ
ajfa-6268	77	75	economy	economy	NOUN
ajfa-6268	77	76	.	.	PUNCT
ajfa-6268	78	1	3	3	NUM
ajfa-6268	78	2	know	know	VERB
ajfa-6268	78	3	where	where	SCONJ
ajfa-6268	78	4	the	the	DET
ajfa-6268	78	5	real	real	ADJ
ajfa-6268	78	6	e	e	NOUN
ajfa-6268	78	7	-	-	NOUN
ajfa-6268	78	8	banking	banking	NOUN
ajfa-6268	78	9	should	should	AUX
ajfa-6268	78	10	be	be	AUX
ajfa-6268	78	11	,	,	PUNCT
ajfa-6268	78	12	the	the	DET
ajfa-6268	78	13	problems	problem	NOUN
ajfa-6268	78	14	facing	face	VERB
ajfa-6268	78	15	cashless	cashless	NOUN
ajfa-6268	78	16	banking	banking	NOUN
ajfa-6268	78	17	,	,	PUNCT
ajfa-6268	78	18	its	its	PRON
ajfa-6268	78	19	advantages	advantage	NOUN
ajfa-6268	78	20	and	and	CCONJ
ajfa-6268	78	21	disadvantages	disadvantage	NOUN
ajfa-6268	78	22	to	to	ADP
ajfa-6268	78	23	nigerians	nigerians	PROPN
ajfa-6268	78	24	respondents	respondent	NOUN
ajfa-6268	78	25	.	.	PUNCT
ajfa-6268	79	1	non	non	ADJ
ajfa-6268	79	2	-	-	ADJ
ajfa-6268	79	3	parametric	parametric	ADJ
ajfa-6268	79	4	tool	tool	NOUN
ajfa-6268	79	5	of	of	ADP
ajfa-6268	79	6	chi	chi	PROPN
ajfa-6268	79	7	square	square	PROPN
ajfa-6268	79	8	was	be	AUX
ajfa-6268	79	9	employed	employ	VERB
ajfa-6268	79	10	to	to	PART
ajfa-6268	79	11	analyze	analyze	VERB
ajfa-6268	79	12	the	the	DET
ajfa-6268	79	13	data	datum	NOUN
ajfa-6268	79	14	.	.	PUNCT
ajfa-6268	80	1	payment	payment	NOUN
ajfa-6268	80	2	products	product	NOUN
ajfa-6268	80	3	paraded	parade	VERB
ajfa-6268	80	4	in	in	ADP
ajfa-6268	80	5	the	the	DET
ajfa-6268	80	6	system	system	NOUN
ajfa-6268	80	7	”	"	PUNCT
ajfa-6268	80	8	.	.	PUNCT
ajfa-6268	81	1	literatures	literature	NOUN
ajfa-6268	81	2	reviewed	review	VERB
ajfa-6268	81	3	provide	provide	VERB
ajfa-6268	81	4	indications	indication	NOUN
ajfa-6268	81	5	that	that	SCONJ
ajfa-6268	81	6	several	several	ADJ
ajfa-6268	81	7	studies	study	NOUN
ajfa-6268	81	8	have	have	AUX
ajfa-6268	81	9	been	be	AUX
ajfa-6268	81	10	conducted	conduct	VERB
ajfa-6268	81	11	in	in	ADP
ajfa-6268	81	12	related	related	ADJ
ajfa-6268	81	13	areas	area	NOUN
ajfa-6268	81	14	of	of	ADP
ajfa-6268	81	15	our	our	PRON
ajfa-6268	81	16	study	study	NOUN
ajfa-6268	81	17	.	.	PUNCT
ajfa-6268	82	1	however	however	ADV
ajfa-6268	82	2	the	the	DET
ajfa-6268	82	3	focus	focus	NOUN
ajfa-6268	82	4	of	of	ADP
ajfa-6268	82	5	previous	previous	ADJ
ajfa-6268	82	6	studies	study	NOUN
ajfa-6268	82	7	has	have	AUX
ajfa-6268	82	8	been	be	AUX
ajfa-6268	82	9	on	on	ADP
ajfa-6268	82	10	the	the	DET
ajfa-6268	82	11	history	history	NOUN
ajfa-6268	82	12	and	and	CCONJ
ajfa-6268	82	13	importance	importance	NOUN
ajfa-6268	82	14	of	of	ADP
ajfa-6268	82	15	cashless	cashless	NOUN
ajfa-6268	82	16	system	system	NOUN
ajfa-6268	82	17	to	to	ADP
ajfa-6268	82	18	nigerian	nigerian	ADJ
ajfa-6268	82	19	economy	economy	NOUN
ajfa-6268	82	20	and	and	CCONJ
ajfa-6268	82	21	its	its	PRON
ajfa-6268	82	22	banking	banking	NOUN
ajfa-6268	82	23	system	system	NOUN
ajfa-6268	82	24	using	use	VERB
ajfa-6268	82	25	different	different	ADJ
ajfa-6268	82	26	methods	method	NOUN
ajfa-6268	82	27	of	of	ADP
ajfa-6268	82	28	analysis	analysis	NOUN
ajfa-6268	82	29	.	.	PUNCT
ajfa-6268	83	1	this	this	DET
ajfa-6268	83	2	study	study	NOUN
ajfa-6268	83	3	on	on	ADP
ajfa-6268	83	4	assessment	assessment	NOUN
ajfa-6268	83	5	of	of	ADP
ajfa-6268	83	6	impact	impact	NOUN
ajfa-6268	83	7	of	of	ADP
ajfa-6268	83	8	cashless	cashless	NOUN
ajfa-6268	83	9	policies	policy	NOUN
ajfa-6268	83	10	of	of	ADP
ajfa-6268	83	11	cbn	cbn	PROPN
ajfa-6268	83	12	in	in	ADP
ajfa-6268	83	13	2012	2012	NUM
ajfa-6268	83	14	on	on	ADP
ajfa-6268	83	15	banks	bank	NOUN
ajfa-6268	83	16	’	'	PUNCT
ajfa-6268	83	17	profitability	profitability	NOUN
ajfa-6268	83	18	provides	provide	VERB
ajfa-6268	83	19	a	a	DET
ajfa-6268	83	20	robust	robust	ADJ
ajfa-6268	83	21	basis	basis	NOUN
ajfa-6268	83	22	for	for	ADP
ajfa-6268	83	23	argument	argument	NOUN
ajfa-6268	83	24	in	in	ADP
ajfa-6268	83	25	favor	favor	NOUN
ajfa-6268	83	26	or	or	CCONJ
ajfa-6268	83	27	otherwise	otherwise	ADV
ajfa-6268	83	28	of	of	ADP
ajfa-6268	83	29	the	the	DET
ajfa-6268	83	30	cashless	cashless	NOUN
ajfa-6268	83	31	economic	economic	ADJ
ajfa-6268	83	32	theory	theory	NOUN
ajfa-6268	83	33	.	.	PUNCT
ajfa-6268	84	1	this	this	DET
ajfa-6268	84	2	research	research	NOUN
ajfa-6268	84	3	seeks	seek	VERB
ajfa-6268	84	4	to	to	PART
ajfa-6268	84	5	find	find	VERB
ajfa-6268	84	6	out	out	ADP
ajfa-6268	84	7	whether	whether	SCONJ
ajfa-6268	84	8	or	or	CCONJ
ajfa-6268	84	9	not	not	PART
ajfa-6268	84	10	there	there	PRON
ajfa-6268	84	11	has	have	AUX
ajfa-6268	84	12	been	be	AUX
ajfa-6268	84	13	increase	increase	NOUN
ajfa-6268	84	14	in	in	ADP
ajfa-6268	84	15	banks	bank	NOUN
ajfa-6268	84	16	’	'	PUNCT
ajfa-6268	84	17	profitability	profitability	NOUN
ajfa-6268	84	18	in	in	ADP
ajfa-6268	84	19	the	the	DET
ajfa-6268	84	20	cashless	cashless	NOUN
ajfa-6268	84	21	system	system	NOUN
ajfa-6268	84	22	resultant	resultant	VERB
ajfa-6268	84	23	from	from	ADP
ajfa-6268	84	24	the	the	DET
ajfa-6268	84	25	changes	change	NOUN
ajfa-6268	84	26	made	make	VERB
ajfa-6268	84	27	by	by	ADP
ajfa-6268	84	28	cbn	cbn	NOUN
ajfa-6268	84	29	.	.	PUNCT
ajfa-6268	85	1	noteworthy	noteworthy	ADJ
ajfa-6268	85	2	,	,	PUNCT
ajfa-6268	85	3	was	be	AUX
ajfa-6268	85	4	the	the	DET
ajfa-6268	85	5	stopping	stopping	NOUN
ajfa-6268	85	6	of	of	ADP
ajfa-6268	85	7	charges	charge	NOUN
ajfa-6268	85	8	on	on	ADP
ajfa-6268	85	9	customers	customer	NOUN
ajfa-6268	85	10	using	use	VERB
ajfa-6268	85	11	their	their	PRON
ajfa-6268	85	12	atm	atm	NOUN
ajfa-6268	85	13	.	.	PUNCT
ajfa-6268	86	1	the	the	DET
ajfa-6268	86	2	fee	fee	NOUN
ajfa-6268	86	3	(	(	PUNCT
ajfa-6268	86	4	which	which	PRON
ajfa-6268	86	5	was	be	AUX
ajfa-6268	86	6	n100	n100	NUM
ajfa-6268	86	7	)	)	PUNCT
ajfa-6268	86	8	served	serve	VERB
ajfa-6268	86	9	as	as	ADP
ajfa-6268	86	10	a	a	DET
ajfa-6268	86	11	source	source	NOUN
ajfa-6268	86	12	of	of	ADP
ajfa-6268	86	13	income	income	NOUN
ajfa-6268	86	14	to	to	ADP
ajfa-6268	86	15	these	these	DET
ajfa-6268	86	16	banks	bank	NOUN
ajfa-6268	86	17	.	.	PUNCT
ajfa-6268	87	1	but	but	CCONJ
ajfa-6268	87	2	this	this	PRON
ajfa-6268	87	3	was	be	AUX
ajfa-6268	87	4	stopped	stop	VERB
ajfa-6268	87	5	by	by	ADP
ajfa-6268	87	6	cbn	cbn	PROPN
ajfa-6268	87	7	.	.	PUNCT
ajfa-6268	88	1	can	can	AUX
ajfa-6268	88	2	we	we	PRON
ajfa-6268	88	3	say	say	VERB
ajfa-6268	88	4	for	for	ADP
ajfa-6268	88	5	instance	instance	NOUN
ajfa-6268	88	6	that	that	SCONJ
ajfa-6268	88	7	this	this	PRON
ajfa-6268	88	8	has	have	VERB
ajfa-6268	88	9	an	an	DET
ajfa-6268	88	10	adverse	adverse	ADJ
ajfa-6268	88	11	effect	effect	NOUN
ajfa-6268	88	12	on	on	ADP
ajfa-6268	88	13	banks	bank	NOUN
ajfa-6268	88	14	profitability	profitability	NOUN
ajfa-6268	88	15	?	?	PUNCT
ajfa-6268	89	1	also	also	ADV
ajfa-6268	89	2	,	,	PUNCT
ajfa-6268	89	3	banks	bank	NOUN
ajfa-6268	89	4	use	use	VERB
ajfa-6268	89	5	to	to	PART
ajfa-6268	89	6	charge	charge	VERB
ajfa-6268	89	7	their	their	PRON
ajfa-6268	89	8	customers	customer	NOUN
ajfa-6268	89	9	a	a	DET
ajfa-6268	89	10	fine	fine	NOUN
ajfa-6268	89	11	of	of	ADP
ajfa-6268	89	12	n10.00	n10.00	NOUN
ajfa-6268	89	13	for	for	ADP
ajfa-6268	89	14	services	service	NOUN
ajfa-6268	89	15	rendered	render	VERB
ajfa-6268	89	16	to	to	ADP
ajfa-6268	89	17	them	they	PRON
ajfa-6268	89	18	which	which	PRON
ajfa-6268	89	19	was	be	AUX
ajfa-6268	89	20	a	a	DET
ajfa-6268	89	21	source	source	NOUN
ajfa-6268	89	22	of	of	ADP
ajfa-6268	89	23	income	income	NOUN
ajfa-6268	89	24	to	to	ADP
ajfa-6268	89	25	the	the	DET
ajfa-6268	89	26	banks	bank	NOUN
ajfa-6268	89	27	.	.	PUNCT
ajfa-6268	90	1	the	the	DET
ajfa-6268	90	2	cbn	cbn	PROPN
ajfa-6268	90	3	however	however	ADV
ajfa-6268	90	4	reduced	reduce	VERB
ajfa-6268	90	5	this	this	DET
ajfa-6268	90	6	amount	amount	NOUN
ajfa-6268	90	7	to	to	ADP
ajfa-6268	90	8	n3.00	n3.00	PROPN
ajfa-6268	90	9	.	.	PUNCT
ajfa-6268	91	1	can	can	AUX
ajfa-6268	91	2	it	it	PRON
ajfa-6268	91	3	be	be	AUX
ajfa-6268	91	4	said	say	VERB
ajfa-6268	91	5	that	that	SCONJ
ajfa-6268	91	6	this	this	DET
ajfa-6268	91	7	policy	policy	NOUN
ajfa-6268	91	8	has	have	AUX
ajfa-6268	91	9	impacted	impact	VERB
ajfa-6268	91	10	positively	positively	ADV
ajfa-6268	91	11	or	or	CCONJ
ajfa-6268	91	12	negatively	negatively	ADV
ajfa-6268	91	13	on	on	ADP
ajfa-6268	91	14	the	the	DET
ajfa-6268	91	15	profitability	profitability	NOUN
ajfa-6268	91	16	of	of	ADP
ajfa-6268	91	17	these	these	DET
ajfa-6268	91	18	banks	bank	NOUN
ajfa-6268	91	19	?	?	PUNCT
ajfa-6268	92	1	these	these	PRON
ajfa-6268	92	2	are	be	AUX
ajfa-6268	92	3	grey	grey	ADJ
ajfa-6268	92	4	areas	area	NOUN
ajfa-6268	92	5	which	which	PRON
ajfa-6268	92	6	were	be	AUX
ajfa-6268	92	7	not	not	PART
ajfa-6268	92	8	captured	capture	VERB
ajfa-6268	92	9	by	by	ADP
ajfa-6268	92	10	previous	previous	ADJ
ajfa-6268	92	11	related	related	ADJ
ajfa-6268	92	12	studies	study	NOUN
ajfa-6268	92	13	in	in	ADP
ajfa-6268	92	14	nigeria	nigeria	PROPN
ajfa-6268	92	15	.	.	PUNCT
ajfa-6268	93	1	this	this	DET
ajfa-6268	93	2	research	research	NOUN
ajfa-6268	93	3	therefore	therefore	ADV
ajfa-6268	93	4	seeks	seek	VERB
ajfa-6268	93	5	to	to	PART
ajfa-6268	93	6	find	find	VERB
ajfa-6268	93	7	out	out	ADP
ajfa-6268	93	8	the	the	DET
ajfa-6268	93	9	profitability	profitability	NOUN
ajfa-6268	93	10	of	of	ADP
ajfa-6268	93	11	banks	bank	NOUN
ajfa-6268	93	12	through	through	ADP
ajfa-6268	93	13	the	the	DET
ajfa-6268	93	14	return	return	NOUN
ajfa-6268	93	15	on	on	ADP
ajfa-6268	93	16	investment	investment	NOUN
ajfa-6268	93	17	on	on	ADP
ajfa-6268	93	18	these	these	DET
ajfa-6268	93	19	cashless	cashless	NOUN
ajfa-6268	93	20	products	product	NOUN
ajfa-6268	93	21	and	and	CCONJ
ajfa-6268	93	22	their	their	PRON
ajfa-6268	93	23	daily	daily	ADJ
ajfa-6268	93	24	usage	usage	NOUN
ajfa-6268	93	25	2.3	2.3	NUM
ajfa-6268	93	26	an	an	PRON
ajfa-6268	93	27	over	over	ADP
ajfa-6268	93	28	view	view	NOUN
ajfa-6268	93	29	of	of	ADP
ajfa-6268	93	30	payment	payment	NOUN
ajfa-6268	93	31	system	system	NOUN
ajfa-6268	93	32	in	in	ADP
ajfa-6268	93	33	nigeria	nigeria	PRON
ajfa-6268	93	34	the	the	DET
ajfa-6268	93	35	payment	payment	NOUN
ajfa-6268	93	36	system	system	NOUN
ajfa-6268	93	37	plays	play	VERB
ajfa-6268	93	38	a	a	DET
ajfa-6268	93	39	very	very	ADV
ajfa-6268	93	40	crucial	crucial	ADJ
ajfa-6268	93	41	role	role	NOUN
ajfa-6268	93	42	in	in	ADP
ajfa-6268	93	43	any	any	DET
ajfa-6268	93	44	economy	economy	NOUN
ajfa-6268	93	45	.	.	PUNCT
ajfa-6268	94	1	the	the	DET
ajfa-6268	94	2	banking	banking	NOUN
ajfa-6268	94	3	system	system	NOUN
ajfa-6268	94	4	is	be	AUX
ajfa-6268	94	5	the	the	DET
ajfa-6268	94	6	channel	channel	NOUN
ajfa-6268	94	7	through	through	ADP
ajfa-6268	94	8	which	which	PRON
ajfa-6268	94	9	financial	financial	ADJ
ajfa-6268	94	10	resources	resource	NOUN
ajfa-6268	94	11	flow	flow	VERB
ajfa-6268	94	12	from	from	ADP
ajfa-6268	94	13	one	one	NUM
ajfa-6268	94	14	segment	segment	NOUN
ajfa-6268	94	15	of	of	ADP
ajfa-6268	94	16	the	the	DET
ajfa-6268	94	17	economy	economy	NOUN
ajfa-6268	94	18	to	to	ADP
ajfa-6268	94	19	another	another	PRON
ajfa-6268	94	20	.	.	PUNCT
ajfa-6268	95	1	it	it	PRON
ajfa-6268	95	2	therefore	therefore	ADV
ajfa-6268	95	3	represents	represent	VERB
ajfa-6268	95	4	the	the	DET
ajfa-6268	95	5	major	major	ADJ
ajfa-6268	95	6	foundation	foundation	NOUN
ajfa-6268	95	7	of	of	ADP
ajfa-6268	95	8	the	the	DET
ajfa-6268	95	9	modern	modern	ADJ
ajfa-6268	95	10	market	market	NOUN
ajfa-6268	95	11	economy	economy	NOUN
ajfa-6268	95	12	(	(	PUNCT
ajfa-6268	95	13	cbn	cbn	PROPN
ajfa-6268	95	14	,	,	PUNCT
ajfa-6268	95	15	2011	2011	NUM
ajfa-6268	95	16	)	)	PUNCT
ajfa-6268	95	17	.	.	PUNCT
ajfa-6268	96	1	in	in	ADP
ajfa-6268	96	2	today	today	NOUN
ajfa-6268	96	3	’s	’s	PART
ajfa-6268	96	4	world	world	NOUN
ajfa-6268	96	5	,	,	PUNCT
ajfa-6268	96	6	many	many	ADJ
ajfa-6268	96	7	people	people	NOUN
ajfa-6268	96	8	across	across	ADP
ajfa-6268	96	9	the	the	DET
ajfa-6268	96	10	globe	globe	NOUN
ajfa-6268	96	11	make	make	VERB
ajfa-6268	96	12	payments	payment	NOUN
ajfa-6268	96	13	electronically	electronically	ADV
ajfa-6268	96	14	rather	rather	ADV
ajfa-6268	96	15	than	than	ADP
ajfa-6268	96	16	in	in	ADP
ajfa-6268	96	17	person	person	NOUN
ajfa-6268	96	18	or	or	CCONJ
ajfa-6268	96	19	cash	cash	NOUN
ajfa-6268	96	20	.	.	PUNCT
ajfa-6268	97	1	it	it	PRON
ajfa-6268	97	2	can	can	AUX
ajfa-6268	97	3	then	then	ADV
ajfa-6268	97	4	be	be	AUX
ajfa-6268	97	5	said	say	VERB
ajfa-6268	97	6	that	that	SCONJ
ajfa-6268	97	7	the	the	DET
ajfa-6268	97	8	recent	recent	ADJ
ajfa-6268	97	9	financial	financial	ADJ
ajfa-6268	97	10	system	system	NOUN
ajfa-6268	97	11	is	be	AUX
ajfa-6268	97	12	the	the	DET
ajfa-6268	97	13	product	product	NOUN
ajfa-6268	97	14	of	of	ADP
ajfa-6268	97	15	centuries	century	NOUN
ajfa-6268	97	16	of	of	ADP
ajfa-6268	97	17	innovation	innovation	NOUN
ajfa-6268	97	18	.	.	PUNCT
ajfa-6268	98	1	this	this	DET
ajfa-6268	98	2	financial	financial	ADJ
ajfa-6268	98	3	system	system	NOUN
ajfa-6268	98	4	started	start	VERB
ajfa-6268	98	5	as	as	ADP
ajfa-6268	98	6	a	a	DET
ajfa-6268	98	7	barter	barter	NOUN
ajfa-6268	98	8	economy	economy	NOUN
ajfa-6268	98	9	and	and	CCONJ
ajfa-6268	98	10	has	have	AUX
ajfa-6268	98	11	moved	move	VERB
ajfa-6268	98	12	through	through	ADP
ajfa-6268	98	13	various	various	ADJ
ajfa-6268	98	14	incarnations	incarnation	NOUN
ajfa-6268	98	15	in	in	ADP
ajfa-6268	98	16	response	response	NOUN
ajfa-6268	98	17	to	to	ADP
ajfa-6268	98	18	limitations	limitation	NOUN
ajfa-6268	98	19	inherent	inherent	ADJ
ajfa-6268	98	20	in	in	ADP
ajfa-6268	98	21	the	the	DET
ajfa-6268	98	22	evolving	evolve	VERB
ajfa-6268	98	23	systems	system	NOUN
ajfa-6268	98	24	.	.	PUNCT
ajfa-6268	99	1	ajayi	ajayi	PROPN
ajfa-6268	99	2	,	,	PUNCT
ajfa-6268	99	3	s.i	s.i	PROPN
ajfa-6268	99	4	and	and	CCONJ
ajfa-6268	99	5	ojo	ojo	PROPN
ajfa-6268	99	6	,	,	PUNCT
ajfa-6268	99	7	o.o	o.o	PROPN
ajfa-6268	99	8	.	.	PROPN
ajfa-6268	99	9	(	(	PUNCT
ajfa-6268	99	10	2006	2006	NUM
ajfa-6268	99	11	)	)	PUNCT
ajfa-6268	99	12	.	.	PUNCT
ajfa-6268	100	1	changes	change	NOUN
ajfa-6268	100	2	will	will	AUX
ajfa-6268	100	3	definitely	definitely	ADV
ajfa-6268	100	4	continue	continue	VERB
ajfa-6268	100	5	to	to	PART
ajfa-6268	100	6	occur	occur	VERB
ajfa-6268	100	7	in	in	ADP
ajfa-6268	100	8	response	response	NOUN
ajfa-6268	100	9	to	to	ADP
ajfa-6268	100	10	social	social	ADJ
ajfa-6268	100	11	and	and	CCONJ
ajfa-6268	100	12	technological	technological	ADJ
ajfa-6268	100	13	advancements	advancement	NOUN
ajfa-6268	100	14	.	.	PUNCT
ajfa-6268	101	1	this	this	PRON
ajfa-6268	101	2	has	have	AUX
ajfa-6268	101	3	led	lead	VERB
ajfa-6268	101	4	to	to	ADP
ajfa-6268	101	5	a	a	DET
ajfa-6268	101	6	shift	shift	NOUN
ajfa-6268	101	7	from	from	ADP
ajfa-6268	101	8	the	the	DET
ajfa-6268	101	9	old	old	ADJ
ajfa-6268	101	10	cash	cash	NOUN
ajfa-6268	101	11	handling	handling	NOUN
ajfa-6268	101	12	system	system	NOUN
ajfa-6268	101	13	to	to	PART
ajfa-6268	101	14	cashless	cashless	NOUN
ajfa-6268	101	15	society	society	NOUN
ajfa-6268	101	16	,	,	PUNCT
ajfa-6268	101	17	which	which	PRON
ajfa-6268	101	18	is	be	AUX
ajfa-6268	101	19	in	in	ADP
ajfa-6268	101	20	vogue	vogue	NOUN
ajfa-6268	101	21	worldwide	worldwide	ADV
ajfa-6268	101	22	.	.	PUNCT
ajfa-6268	102	1	to	to	ADP
ajfa-6268	102	2	this	this	DET
ajfa-6268	102	3	end	end	NOUN
ajfa-6268	102	4	,	,	PUNCT
ajfa-6268	102	5	the	the	DET
ajfa-6268	102	6	world	world	NOUN
ajfa-6268	102	7	has	have	AUX
ajfa-6268	102	8	witnessed	witness	VERB
ajfa-6268	102	9	an	an	DET
ajfa-6268	102	10	upsurge	upsurge	NOUN
ajfa-6268	102	11	of	of	ADP
ajfa-6268	102	12	electronic	electronic	ADJ
ajfa-6268	102	13	payment	payment	NOUN
ajfa-6268	102	14	instruments	instrument	NOUN
ajfa-6268	102	15	meant	mean	VERB
ajfa-6268	102	16	to	to	PART
ajfa-6268	102	17	facilitate	facilitate	VERB
ajfa-6268	102	18	trade	trade	NOUN
ajfa-6268	102	19	and	and	CCONJ
ajfa-6268	102	20	simplify	simplify	NOUN
ajfa-6268	102	21	payments	payment	NOUN
ajfa-6268	102	22	.	.	PUNCT
ajfa-6268	103	1	before	before	ADP
ajfa-6268	103	2	the	the	DET
ajfa-6268	103	3	introduction	introduction	NOUN
ajfa-6268	103	4	of	of	ADP
ajfa-6268	103	5	electronic	electronic	ADJ
ajfa-6268	103	6	payment	payment	NOUN
ajfa-6268	103	7	into	into	ADP
ajfa-6268	103	8	the	the	DET
ajfa-6268	103	9	nigerian	nigerian	ADJ
ajfa-6268	103	10	banking	banking	NOUN
ajfa-6268	103	11	system	system	NOUN
ajfa-6268	103	12	,	,	PUNCT
ajfa-6268	103	13	customers	customer	NOUN
ajfa-6268	103	14	had	have	VERB
ajfa-6268	103	15	to	to	PART
ajfa-6268	103	16	walk	walk	VERB
ajfa-6268	103	17	into	into	ADP
ajfa-6268	103	18	banking	banking	NOUN
ajfa-6268	103	19	halls	hall	NOUN
ajfa-6268	103	20	to	to	PART
ajfa-6268	103	21	carry	carry	VERB
ajfa-6268	103	22	out	out	ADP
ajfa-6268	103	23	transactions	transaction	NOUN
ajfa-6268	103	24	of	of	ADP
ajfa-6268	103	25	all	all	DET
ajfa-6268	103	26	kinds	kind	NOUN
ajfa-6268	103	27	.	.	PUNCT
ajfa-6268	104	1	they	they	PRON
ajfa-6268	104	2	had	have	VERB
ajfa-6268	104	3	to	to	PART
ajfa-6268	104	4	queue	queue	VERB
ajfa-6268	104	5	up	up	ADP
ajfa-6268	104	6	and	and	CCONJ
ajfa-6268	104	7	spend	spend	VERB
ajfa-6268	104	8	hours	hour	NOUN
ajfa-6268	104	9	waiting	wait	VERB
ajfa-6268	104	10	to	to	PART
ajfa-6268	104	11	talk	talk	VERB
ajfa-6268	104	12	to	to	ADP
ajfa-6268	104	13	a	a	DET
ajfa-6268	104	14	teller	teller	NOUN
ajfa-6268	104	15	and/or	and/or	CCONJ
ajfa-6268	104	16	make	make	VERB
ajfa-6268	104	17	their	their	PRON
ajfa-6268	104	18	transactions	transaction	NOUN
ajfa-6268	104	19	.	.	PUNCT
ajfa-6268	105	1	the	the	DET
ajfa-6268	105	2	inconveniences	inconvenience	NOUN
ajfa-6268	105	3	asian	asian	ADJ
ajfa-6268	105	4	journal	journal	NOUN
ajfa-6268	105	5	of	of	ADP
ajfa-6268	105	6	finance	finance	PROPN
ajfa-6268	105	7	&	&	CCONJ
ajfa-6268	105	8	accounting	accounting	PROPN
ajfa-6268	105	9	issn	issn	PROPN
ajfa-6268	105	10	1946	1946	NUM
ajfa-6268	105	11	-	-	PUNCT
ajfa-6268	105	12	052x	052x	PROPN
ajfa-6268	105	13	2014	2014	NUM
ajfa-6268	105	14	,	,	PUNCT
ajfa-6268	105	15	vol	vol	NOUN
ajfa-6268	105	16	.	.	PROPN
ajfa-6268	105	17	6	6	NUM
ajfa-6268	105	18	,	,	PUNCT
ajfa-6268	105	19	no	no	INTJ
ajfa-6268	105	20	.	.	NOUN
ajfa-6268	105	21	2	2	NUM
ajfa-6268	105	22	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NOUN
ajfa-6268	105	23	368	368	NUM
ajfa-6268	105	24	caused	cause	VERB
ajfa-6268	105	25	by	by	ADP
ajfa-6268	105	26	these	these	DET
ajfa-6268	105	27	long	long	ADJ
ajfa-6268	105	28	queues	queue	NOUN
ajfa-6268	105	29	discouraged	discourage	VERB
ajfa-6268	105	30	most	most	ADJ
ajfa-6268	105	31	customers	customer	NOUN
ajfa-6268	105	32	who	who	PRON
ajfa-6268	105	33	sometimes	sometimes	ADV
ajfa-6268	105	34	renegade	renegade	VERB
ajfa-6268	105	35	from	from	ADP
ajfa-6268	105	36	the	the	DET
ajfa-6268	105	37	queues	queue	NOUN
ajfa-6268	105	38	in	in	ADP
ajfa-6268	105	39	annoyance	annoyance	NOUN
ajfa-6268	105	40	.	.	PUNCT
ajfa-6268	106	1	there	there	PRON
ajfa-6268	106	2	was	be	VERB
ajfa-6268	106	3	need	need	NOUN
ajfa-6268	106	4	for	for	ADP
ajfa-6268	106	5	a	a	DET
ajfa-6268	106	6	change	change	NOUN
ajfa-6268	106	7	.	.	PUNCT
ajfa-6268	107	1	for	for	ADP
ajfa-6268	107	2	many	many	ADJ
ajfa-6268	107	3	years	year	NOUN
ajfa-6268	107	4	,	,	PUNCT
ajfa-6268	107	5	bankers	banker	NOUN
ajfa-6268	107	6	,	,	PUNCT
ajfa-6268	107	7	it	it	PRON
ajfa-6268	107	8	experts	expert	NOUN
ajfa-6268	107	9	,	,	PUNCT
ajfa-6268	107	10	entrepreneurs	entrepreneur	NOUN
ajfa-6268	107	11	and	and	CCONJ
ajfa-6268	107	12	others	other	NOUN
ajfa-6268	107	13	had	have	AUX
ajfa-6268	107	14	advocated	advocate	VERB
ajfa-6268	107	15	for	for	ADP
ajfa-6268	107	16	the	the	DET
ajfa-6268	107	17	replacement	replacement	NOUN
ajfa-6268	107	18	of	of	ADP
ajfa-6268	107	19	physical	physical	ADJ
ajfa-6268	107	20	cash	cash	NOUN
ajfa-6268	107	21	and	and	CCONJ
ajfa-6268	107	22	the	the	DET
ajfa-6268	107	23	introduction	introduction	NOUN
ajfa-6268	107	24	of	of	ADP
ajfa-6268	107	25	a	a	DET
ajfa-6268	107	26	more	more	ADV
ajfa-6268	107	27	flexible	flexible	ADJ
ajfa-6268	107	28	,	,	PUNCT
ajfa-6268	107	29	efficient	efficient	ADJ
ajfa-6268	107	30	and	and	CCONJ
ajfa-6268	107	31	cost	cost	VERB
ajfa-6268	107	32	effective	effective	ADJ
ajfa-6268	107	33	retail	retail	ADJ
ajfa-6268	107	34	payment	payment	NOUN
ajfa-6268	107	35	solution	solution	NOUN
ajfa-6268	107	36	(	(	PUNCT
ajfa-6268	107	37	baddeley	baddeley	NOUN
ajfa-6268	107	38	,	,	PUNCT
ajfa-6268	107	39	m.	m.	NOUN
ajfa-6268	107	40	(	(	PUNCT
ajfa-6268	107	41	2004	2004	NUM
ajfa-6268	107	42	)	)	PUNCT
ajfa-6268	107	43	.	.	PUNCT
ajfa-6268	108	1	nigerian	nigerian	ADJ
ajfa-6268	108	2	banks	bank	NOUN
ajfa-6268	108	3	are	be	AUX
ajfa-6268	108	4	making	make	VERB
ajfa-6268	108	5	huge	huge	ADJ
ajfa-6268	108	6	investments	investment	NOUN
ajfa-6268	108	7	in	in	ADP
ajfa-6268	108	8	technology	technology	NOUN
ajfa-6268	108	9	to	to	PART
ajfa-6268	108	10	upgrade	upgrade	VERB
ajfa-6268	108	11	their	their	PRON
ajfa-6268	108	12	infrastructure	infrastructure	NOUN
ajfa-6268	108	13	in	in	ADP
ajfa-6268	108	14	order	order	NOUN
ajfa-6268	108	15	to	to	PART
ajfa-6268	108	16	provide	provide	VERB
ajfa-6268	108	17	new	new	ADJ
ajfa-6268	108	18	electronic	electronic	ADJ
ajfa-6268	108	19	information	information	NOUN
ajfa-6268	108	20	based	base	VERB
ajfa-6268	108	21	services	service	NOUN
ajfa-6268	108	22	.	.	PUNCT
ajfa-6268	109	1	such	such	ADJ
ajfa-6268	109	2	services	service	NOUN
ajfa-6268	109	3	as	as	ADP
ajfa-6268	109	4	online	online	ADJ
ajfa-6268	109	5	retail	retail	ADJ
ajfa-6268	109	6	banking	banking	NOUN
ajfa-6268	109	7	,	,	PUNCT
ajfa-6268	109	8	point	point	NOUN
ajfa-6268	109	9	of	of	ADP
ajfa-6268	109	10	sale	sale	NOUN
ajfa-6268	109	11	terminals	terminal	NOUN
ajfa-6268	109	12	(	(	PUNCT
ajfa-6268	109	13	pos	pos	NOUN
ajfa-6268	109	14	)	)	PUNCT
ajfa-6268	109	15	,	,	PUNCT
ajfa-6268	109	16	make	make	VERB
ajfa-6268	109	17	it	it	PRON
ajfa-6268	109	18	possible	possible	ADJ
ajfa-6268	109	19	for	for	SCONJ
ajfa-6268	109	20	individuals	individual	NOUN
ajfa-6268	109	21	and	and	CCONJ
ajfa-6268	109	22	corporate	corporate	ADJ
ajfa-6268	109	23	bodies	body	NOUN
ajfa-6268	109	24	to	to	PART
ajfa-6268	109	25	take	take	VERB
ajfa-6268	109	26	advantage	advantage	NOUN
ajfa-6268	109	27	of	of	ADP
ajfa-6268	109	28	new	new	ADJ
ajfa-6268	109	29	technologies	technology	NOUN
ajfa-6268	109	30	at	at	ADP
ajfa-6268	109	31	reasonable	reasonable	ADJ
ajfa-6268	109	32	costs	cost	NOUN
ajfa-6268	109	33	.	.	PUNCT
ajfa-6268	110	1	before	before	ADP
ajfa-6268	110	2	the	the	DET
ajfa-6268	110	3	emergence	emergence	NOUN
ajfa-6268	110	4	of	of	ADP
ajfa-6268	110	5	a	a	DET
ajfa-6268	110	6	modern	modern	ADJ
ajfa-6268	110	7	banking	banking	NOUN
ajfa-6268	110	8	system	system	NOUN
ajfa-6268	110	9	,	,	PUNCT
ajfa-6268	110	10	banking	banking	NOUN
ajfa-6268	110	11	operations	operation	NOUN
ajfa-6268	110	12	were	be	AUX
ajfa-6268	110	13	manually	manually	ADV
ajfa-6268	110	14	done	do	VERB
ajfa-6268	110	15	.	.	PUNCT
ajfa-6268	111	1	the	the	DET
ajfa-6268	111	2	manual	manual	ADJ
ajfa-6268	111	3	system	system	NOUN
ajfa-6268	111	4	which	which	PRON
ajfa-6268	111	5	involved	involve	VERB
ajfa-6268	111	6	posting	posting	NOUN
ajfa-6268	111	7	of	of	ADP
ajfa-6268	111	8	transactions	transaction	NOUN
ajfa-6268	111	9	from	from	ADP
ajfa-6268	111	10	one	one	NUM
ajfa-6268	111	11	ledger	ledger	NOUN
ajfa-6268	111	12	to	to	ADP
ajfa-6268	111	13	another	another	PRON
ajfa-6268	111	14	without	without	ADP
ajfa-6268	111	15	the	the	DET
ajfa-6268	111	16	aid	aid	NOUN
ajfa-6268	111	17	of	of	ADP
ajfa-6268	111	18	computer	computer	NOUN
ajfa-6268	111	19	systems	system	NOUN
ajfa-6268	111	20	accounted	account	VERB
ajfa-6268	111	21	for	for	ADP
ajfa-6268	111	22	inefficiency	inefficiency	NOUN
ajfa-6268	111	23	in	in	ADP
ajfa-6268	111	24	settlement	settlement	NOUN
ajfa-6268	111	25	of	of	ADP
ajfa-6268	111	26	transactions	transaction	NOUN
ajfa-6268	111	27	.	.	PUNCT
ajfa-6268	112	1	computations	computation	NOUN
ajfa-6268	112	2	done	done	AUX
ajfa-6268	112	3	manually	manually	ADV
ajfa-6268	112	4	led	lead	VERB
ajfa-6268	112	5	to	to	ADP
ajfa-6268	112	6	miscalculation	miscalculation	NOUN
ajfa-6268	112	7	due	due	ADP
ajfa-6268	112	8	to	to	ADP
ajfa-6268	112	9	human	human	ADJ
ajfa-6268	112	10	errors	error	NOUN
ajfa-6268	112	11	,	,	PUNCT
ajfa-6268	112	12	and	and	CCONJ
ajfa-6268	112	13	resulted	result	VERB
ajfa-6268	112	14	in	in	ADP
ajfa-6268	112	15	extension	extension	NOUN
ajfa-6268	112	16	of	of	ADP
ajfa-6268	112	17	closing	closing	NOUN
ajfa-6268	112	18	hours	hour	NOUN
ajfa-6268	112	19	when	when	SCONJ
ajfa-6268	112	20	account	account	NOUN
ajfa-6268	112	21	were	be	AUX
ajfa-6268	112	22	not	not	PART
ajfa-6268	112	23	balanced	balance	VERB
ajfa-6268	112	24	on	on	ADP
ajfa-6268	112	25	time	time	NOUN
ajfa-6268	112	26	.	.	PUNCT
ajfa-6268	113	1	the	the	DET
ajfa-6268	113	2	introduction	introduction	NOUN
ajfa-6268	113	3	of	of	ADP
ajfa-6268	113	4	cashless	cashless	NOUN
ajfa-6268	113	5	system	system	NOUN
ajfa-6268	113	6	is	be	AUX
ajfa-6268	113	7	therefore	therefore	ADV
ajfa-6268	113	8	meant	mean	VERB
ajfa-6268	113	9	to	to	PART
ajfa-6268	113	10	ameliorate	ameliorate	VERB
ajfa-6268	113	11	the	the	DET
ajfa-6268	113	12	sluggish	sluggish	ADJ
ajfa-6268	113	13	nature	nature	NOUN
ajfa-6268	113	14	of	of	ADP
ajfa-6268	113	15	banking	banking	NOUN
ajfa-6268	113	16	transactions	transaction	NOUN
ajfa-6268	113	17	.	.	PUNCT
ajfa-6268	114	1	vassiliou	vassiliou	NOUN
ajfa-6268	114	2	(	(	PUNCT
ajfa-6268	114	3	2004	2004	NUM
ajfa-6268	114	4	)	)	PUNCT
ajfa-6268	114	5	defines	define	VERB
ajfa-6268	114	6	a	a	DET
ajfa-6268	114	7	cashless	cashless	NOUN
ajfa-6268	114	8	payment	payment	NOUN
ajfa-6268	114	9	as	as	ADP
ajfa-6268	114	10	a	a	DET
ajfa-6268	114	11	form	form	NOUN
ajfa-6268	114	12	of	of	ADP
ajfa-6268	114	13	financial	financial	ADJ
ajfa-6268	114	14	exchange	exchange	NOUN
ajfa-6268	114	15	that	that	PRON
ajfa-6268	114	16	takes	take	VERB
ajfa-6268	114	17	place	place	NOUN
ajfa-6268	114	18	between	between	ADP
ajfa-6268	114	19	the	the	DET
ajfa-6268	114	20	buyer	buyer	NOUN
ajfa-6268	114	21	and	and	CCONJ
ajfa-6268	114	22	seller	seller	NOUN
ajfa-6268	114	23	facilitated	facilitate	VERB
ajfa-6268	114	24	by	by	ADP
ajfa-6268	114	25	means	mean	NOUN
ajfa-6268	114	26	of	of	ADP
ajfa-6268	114	27	electronic	electronic	ADJ
ajfa-6268	114	28	communication	communication	NOUN
ajfa-6268	114	29	.	.	PUNCT
ajfa-6268	115	1	according	accord	VERB
ajfa-6268	115	2	to	to	ADP
ajfa-6268	115	3	(	(	PUNCT
ajfa-6268	115	4	cobb	cobb	PROPN
ajfa-6268	115	5	,	,	PUNCT
ajfa-6268	115	6	2004	2004	NUM
ajfa-6268	115	7	)	)	PUNCT
ajfa-6268	115	8	,	,	PUNCT
ajfa-6268	115	9	the	the	DET
ajfa-6268	115	10	value	value	NOUN
ajfa-6268	115	11	of	of	ADP
ajfa-6268	115	12	electronic	electronic	ADJ
ajfa-6268	115	13	payment	payment	NOUN
ajfa-6268	115	14	goes	go	VERB
ajfa-6268	115	15	way	way	NOUN
ajfa-6268	115	16	beyond	beyond	ADP
ajfa-6268	115	17	the	the	DET
ajfa-6268	115	18	immediate	immediate	ADJ
ajfa-6268	115	19	convenience	convenience	NOUN
ajfa-6268	115	20	and	and	CCONJ
ajfa-6268	115	21	safety	safety	NOUN
ajfa-6268	115	22	of	of	ADP
ajfa-6268	115	23	cards	card	NOUN
ajfa-6268	115	24	to	to	ADP
ajfa-6268	115	25	a	a	DET
ajfa-6268	115	26	greater	great	ADJ
ajfa-6268	115	27	sphere	sphere	NOUN
ajfa-6268	115	28	of	of	ADP
ajfa-6268	115	29	contributing	contribute	VERB
ajfa-6268	115	30	to	to	ADP
ajfa-6268	115	31	overall	overall	ADJ
ajfa-6268	115	32	economic	economic	ADJ
ajfa-6268	115	33	development	development	NOUN
ajfa-6268	115	34	.	.	PUNCT
ajfa-6268	116	1	undoubtedly	undoubtedly	ADV
ajfa-6268	116	2	the	the	DET
ajfa-6268	116	3	last	last	ADJ
ajfa-6268	116	4	three	three	NUM
ajfa-6268	116	5	decades	decade	NOUN
ajfa-6268	116	6	have	have	AUX
ajfa-6268	116	7	witnessed	witness	VERB
ajfa-6268	116	8	major	major	ADJ
ajfa-6268	116	9	advancement	advancement	NOUN
ajfa-6268	116	10	in	in	ADP
ajfa-6268	116	11	payment	payment	NOUN
ajfa-6268	116	12	technologies	technology	NOUN
ajfa-6268	116	13	.	.	PUNCT
ajfa-6268	117	1	today	today	NOUN
ajfa-6268	117	2	,	,	PUNCT
ajfa-6268	117	3	nigeria	nigeria	PROPN
ajfa-6268	117	4	electronic	electronic	ADJ
ajfa-6268	117	5	payment	payment	NOUN
ajfa-6268	117	6	(	(	PUNCT
ajfa-6268	117	7	e	e	NOUN
ajfa-6268	117	8	-	-	NOUN
ajfa-6268	117	9	payment)landscape	payment)landscape	NOUN
ajfa-6268	117	10	is	be	AUX
ajfa-6268	117	11	on	on	ADP
ajfa-6268	117	12	a	a	DET
ajfa-6268	117	13	new	new	ADJ
ajfa-6268	117	14	threshold	threshold	NOUN
ajfa-6268	117	15	with	with	ADP
ajfa-6268	117	16	banks	bank	NOUN
ajfa-6268	117	17	,	,	PUNCT
ajfa-6268	117	18	switching	switching	NOUN
ajfa-6268	117	19	and	and	CCONJ
ajfa-6268	117	20	transaction	transaction	NOUN
ajfa-6268	117	21	companies	company	NOUN
ajfa-6268	117	22	,	,	PUNCT
ajfa-6268	117	23	vendors	vendor	NOUN
ajfa-6268	117	24	of	of	ADP
ajfa-6268	117	25	automated	automate	VERB
ajfa-6268	117	26	teller	teller	NOUN
ajfa-6268	117	27	machine	machine	NOUN
ajfa-6268	117	28	(	(	PUNCT
ajfa-6268	117	29	atms	atms	PROPN
ajfa-6268	117	30	)	)	PUNCT
ajfa-6268	117	31	,	,	PUNCT
ajfa-6268	117	32	point	point	NOUN
ajfa-6268	117	33	of	of	ADP
ajfa-6268	117	34	sale	sale	NOUN
ajfa-6268	117	35	(	(	PUNCT
ajfa-6268	117	36	pos	pos	NOUN
ajfa-6268	117	37	)	)	PUNCT
ajfa-6268	117	38	and	and	CCONJ
ajfa-6268	117	39	third	third	ADJ
ajfa-6268	117	40	party	party	NOUN
ajfa-6268	117	41	companies	company	NOUN
ajfa-6268	117	42	all	all	PRON
ajfa-6268	117	43	jostling	jostle	VERB
ajfa-6268	117	44	to	to	PART
ajfa-6268	117	45	expand	expand	VERB
ajfa-6268	117	46	the	the	DET
ajfa-6268	117	47	scope	scope	NOUN
ajfa-6268	117	48	of	of	ADP
ajfa-6268	117	49	market	market	NOUN
ajfa-6268	117	50	.for	.for	ADP
ajfa-6268	117	51	instance	instance	NOUN
ajfa-6268	117	52	according	accord	VERB
ajfa-6268	117	53	to	to	ADP
ajfa-6268	117	54	cbn	cbn	PROPN
ajfa-6268	117	55	reports	report	NOUN
ajfa-6268	117	56	;	;	PUNCT
ajfa-6268	117	57	the	the	DET
ajfa-6268	117	58	volume	volume	NOUN
ajfa-6268	117	59	and	and	CCONJ
ajfa-6268	117	60	value	value	NOUN
ajfa-6268	117	61	of	of	ADP
ajfa-6268	117	62	electronic	electronic	ADJ
ajfa-6268	117	63	card	card	NOUN
ajfa-6268	117	64	(	(	PUNCT
ajfa-6268	117	65	e	e	NOUN
ajfa-6268	117	66	-	-	NOUN
ajfa-6268	117	67	card	card	NOUN
ajfa-6268	117	68	)	)	PUNCT
ajfa-6268	117	69	transactions	transaction	NOUN
ajfa-6268	117	70	has	have	AUX
ajfa-6268	117	71	increased	increase	VERB
ajfa-6268	117	72	significantly	significantly	ADV
ajfa-6268	117	73	from	from	ADP
ajfa-6268	117	74	195,525,568	195,525,568	NUM
ajfa-6268	117	75	and	and	CCONJ
ajfa-6268	117	76	n1,072.9	n1,072.9	NUM
ajfa-6268	117	77	billion	billion	NUM
ajfa-6268	117	78	in	in	ADP
ajfa-6268	117	79	2010	2010	NUM
ajfa-6268	117	80	to	to	ADP
ajfa-6268	117	81	355,252,401	355,252,401	NUM
ajfa-6268	117	82	and	and	CCONJ
ajfa-6268	117	83	n1,671.4	n1,671.4	NOUN
ajfa-6268	117	84	billion	billion	NUM
ajfa-6268	117	85	,	,	PUNCT
ajfa-6268	117	86	in	in	ADP
ajfa-6268	117	87	2011	2011	NUM
ajfa-6268	117	88	reflecting	reflect	VERB
ajfa-6268	117	89	an	an	DET
ajfa-6268	117	90	increase	increase	NOUN
ajfa-6268	117	91	of	of	ADP
ajfa-6268	117	92	81.5	81.5	NUM
ajfa-6268	117	93	and	and	CCONJ
ajfa-6268	117	94	55.8	55.8	NUM
ajfa-6268	117	95	per	per	ADP
ajfa-6268	117	96	cent	cent	NOUN
ajfa-6268	117	97	,	,	PUNCT
ajfa-6268	117	98	respectively	respectively	ADV
ajfa-6268	117	99	.	.	PUNCT
ajfa-6268	118	1	the	the	DET
ajfa-6268	118	2	increase	increase	NOUN
ajfa-6268	118	3	was	be	AUX
ajfa-6268	118	4	attributed	attribute	VERB
ajfa-6268	118	5	to	to	ADP
ajfa-6268	118	6	enhanced	enhanced	ADJ
ajfa-6268	118	7	public	public	ADJ
ajfa-6268	118	8	confidence	confidence	NOUN
ajfa-6268	118	9	in	in	ADP
ajfa-6268	118	10	electronic	electronic	ADJ
ajfa-6268	118	11	card	card	NOUN
ajfa-6268	118	12	payments	payment	NOUN
ajfa-6268	118	13	in	in	ADP
ajfa-6268	118	14	addition	addition	NOUN
ajfa-6268	118	15	,	,	PUNCT
ajfa-6268	118	16	data	datum	NOUN
ajfa-6268	118	17	on	on	ADP
ajfa-6268	118	18	various	various	ADJ
ajfa-6268	118	19	e	e	NOUN
ajfa-6268	118	20	-	-	ADJ
ajfa-6268	118	21	payment	payment	ADJ
ajfa-6268	118	22	channels	channel	NOUN
ajfa-6268	118	23	from	from	ADP
ajfa-6268	118	24	another	another	DET
ajfa-6268	118	25	cbn	cbn	PROPN
ajfa-6268	118	26	reports	report	NOUN
ajfa-6268	118	27	indicated	indicate	VERB
ajfa-6268	118	28	that	that	SCONJ
ajfa-6268	118	29	atms	atms	NOUN
ajfa-6268	118	30	remained	remain	VERB
ajfa-6268	118	31	the	the	DET
ajfa-6268	118	32	most	most	ADV
ajfa-6268	118	33	patronized	patronize	VERB
ajfa-6268	118	34	,	,	PUNCT
ajfa-6268	118	35	accounting	account	VERB
ajfa-6268	118	36	for	for	ADP
ajfa-6268	118	37	97.8	97.8	NUM
ajfa-6268	118	38	per	per	ADP
ajfa-6268	118	39	cent	cent	NOUN
ajfa-6268	118	40	,	,	PUNCT
ajfa-6268	118	41	followed	follow	VERB
ajfa-6268	118	42	by	by	ADP
ajfa-6268	118	43	web	web	NOUN
ajfa-6268	118	44	payments	payment	NOUN
ajfa-6268	118	45	,	,	PUNCT
ajfa-6268	118	46	1.0	1.0	NUM
ajfa-6268	118	47	per	per	ADP
ajfa-6268	118	48	cent	cent	NOUN
ajfa-6268	118	49	,	,	PUNCT
ajfa-6268	118	50	point	point	NOUN
ajfa-6268	118	51	-	-	PUNCT
ajfa-6268	118	52	of	of	ADP
ajfa-6268	118	53	-	-	PUNCT
ajfa-6268	118	54	sale	sale	NOUN
ajfa-6268	118	55	(	(	PUNCT
ajfa-6268	118	56	pos	pos	NOUN
ajfa-6268	118	57	)	)	PUNCT
ajfa-6268	118	58	terminals	terminal	NOUN
ajfa-6268	118	59	,	,	PUNCT
ajfa-6268	118	60	and	and	CCONJ
ajfa-6268	118	61	mobile	mobile	NOUN
ajfa-6268	118	62	payments	payment	NOUN
ajfa-6268	118	63	,	,	PUNCT
ajfa-6268	118	64	0.6	0.6	NUM
ajfa-6268	118	65	per	per	ADP
ajfa-6268	118	66	cent	cent	NOUN
ajfa-6268	118	67	each	each	PRON
ajfa-6268	118	68	.	.	PUNCT
ajfa-6268	119	1	similarly	similarly	ADV
ajfa-6268	119	2	,	,	PUNCT
ajfa-6268	119	3	in	in	ADP
ajfa-6268	119	4	value	value	NOUN
ajfa-6268	119	5	terms	term	NOUN
ajfa-6268	119	6	,	,	PUNCT
ajfa-6268	119	7	atms	atms	PROPN
ajfa-6268	119	8	accounted	account	VERB
ajfa-6268	119	9	for	for	ADP
ajfa-6268	119	10	93.4	93.4	NUM
ajfa-6268	119	11	per	per	ADP
ajfa-6268	119	12	cent	cent	NOUN
ajfa-6268	119	13	,	,	PUNCT
ajfa-6268	119	14	web	web	NOUN
ajfa-6268	119	15	3.5	3.5	NUM
ajfa-6268	119	16	per	per	ADP
ajfa-6268	119	17	cent	cent	NOUN
ajfa-6268	119	18	,	,	PUNCT
ajfa-6268	119	19	pos	pos	VERB
ajfa-6268	119	20	1.9	1.9	NUM
ajfa-6268	119	21	per	per	ADP
ajfa-6268	119	22	cent	cent	NOUN
ajfa-6268	119	23	and	and	CCONJ
ajfa-6268	119	24	mobile	mobile	NOUN
ajfa-6268	119	25	payments	payment	NOUN
ajfa-6268	119	26	,	,	PUNCT
ajfa-6268	119	27	1.2	1.2	NUM
ajfa-6268	119	28	per	per	ADP
ajfa-6268	119	29	cent	cent	NOUN
ajfa-6268	119	30	.	.	PUNCT
ajfa-6268	120	1	the	the	DET
ajfa-6268	120	2	number	number	NOUN
ajfa-6268	120	3	of	of	ADP
ajfa-6268	120	4	atms	atms	PROPN
ajfa-6268	120	5	stood	stand	VERB
ajfa-6268	120	6	at	at	ADP
ajfa-6268	120	7	9,640	9,640	NUM
ajfa-6268	120	8	,	,	PUNCT
ajfa-6268	120	9	while	while	SCONJ
ajfa-6268	120	10	the	the	DET
ajfa-6268	120	11	volume	volume	NOUN
ajfa-6268	120	12	and	and	CCONJ
ajfa-6268	120	13	value	value	NOUN
ajfa-6268	120	14	of	of	ADP
ajfa-6268	120	15	transactions	transaction	NOUN
ajfa-6268	120	16	amounted	amount	VERB
ajfa-6268	120	17	to	to	ADP
ajfa-6268	120	18	347,569,999	347,569,999	NUM
ajfa-6268	120	19	and	and	CCONJ
ajfa-6268	120	20	n1	n1	NOUN
ajfa-6268	120	21	,	,	PUNCT
ajfa-6268	120	22	561.75	561.75	NUM
ajfa-6268	120	23	billion	billion	NUM
ajfa-6268	120	24	,	,	PUNCT
ajfa-6268	120	25	at	at	ADP
ajfa-6268	120	26	end	end	NOUN
ajfa-6268	120	27	-	-	PUNCT
ajfa-6268	120	28	december	december	PROPN
ajfa-6268	120	29	2011	2011	NUM
ajfa-6268	120	30	,	,	PUNCT
ajfa-6268	120	31	respectively	respectively	ADV
ajfa-6268	120	32	.	.	PUNCT
ajfa-6268	121	1	these	these	DET
ajfa-6268	121	2	figures	figure	NOUN
ajfa-6268	121	3	reflected	reflect	VERB
ajfa-6268	121	4	increases	increase	NOUN
ajfa-6268	121	5	of	of	ADP
ajfa-6268	121	6	86.7	86.7	NUM
ajfa-6268	121	7	and	and	CCONJ
ajfa-6268	121	8	63.7	63.7	NUM
ajfa-6268	121	9	per	per	ADP
ajfa-6268	121	10	cent	cent	NOUN
ajfa-6268	121	11	respectively	respectively	ADV
ajfa-6268	121	12	over	over	ADP
ajfa-6268	121	13	the	the	DET
ajfa-6268	121	14	volume	volume	NOUN
ajfa-6268	121	15	and	and	CCONJ
ajfa-6268	121	16	value	value	NOUN
ajfa-6268	121	17	of	of	ADP
ajfa-6268	121	18	186,153,142	186,153,142	NUM
ajfa-6268	121	19	and	and	CCONJ
ajfa-6268	121	20	n954.04	n954.04	NOUN
ajfa-6268	121	21	billion	billion	NUM
ajfa-6268	121	22	,	,	PUNCT
ajfa-6268	121	23	at	at	ADP
ajfa-6268	121	24	end	end	NOUN
ajfa-6268	121	25	-	-	PUNCT
ajfa-6268	121	26	december	december	PROPN
ajfa-6268	121	27	2010	2010	NUM
ajfa-6268	121	28	.	.	PUNCT
ajfa-6268	122	1	the	the	DET
ajfa-6268	122	2	volume	volume	NOUN
ajfa-6268	122	3	and	and	CCONJ
ajfa-6268	122	4	value	value	NOUN
ajfa-6268	122	5	of	of	ADP
ajfa-6268	122	6	mobile	mobile	ADJ
ajfa-6268	122	7	payments	payment	NOUN
ajfa-6268	122	8	increased	increase	VERB
ajfa-6268	122	9	by	by	ADP
ajfa-6268	122	10	215.6	215.6	NUM
ajfa-6268	122	11	and	and	CCONJ
ajfa-6268	122	12	185.8	185.8	NUM
ajfa-6268	122	13	per	per	ADP
ajfa-6268	122	14	cent	cent	NOUN
ajfa-6268	122	15	from	from	ADP
ajfa-6268	122	16	1,156,553	1,156,553	NUM
ajfa-6268	122	17	and	and	CCONJ
ajfa-6268	122	18	n6.7	n6.7	ADP
ajfa-6268	122	19	billion	billion	NUM
ajfa-6268	122	20	to	to	ADP
ajfa-6268	122	21	3,649,374	3,649,374	NUM
ajfa-6268	122	22	and	and	CCONJ
ajfa-6268	122	23	n19.0	n19.0	PROPN
ajfa-6268	122	24	billion	billion	NUM
ajfa-6268	122	25	,	,	PUNCT
ajfa-6268	122	26	respectively	respectively	ADV
ajfa-6268	122	27	,	,	PUNCT
ajfa-6268	122	28	at	at	SCONJ
ajfa-6268	122	29	end	end	NOUN
ajfa-6268	122	30	-	-	PUNCT
ajfa-6268	122	31	december	december	NOUN
ajfa-6268	122	32	2011.the	2011.the	DET
ajfa-6268	122	33	table	table	NOUN
ajfa-6268	122	34	below	below	ADV
ajfa-6268	122	35	shows	show	VERB
ajfa-6268	122	36	the	the	DET
ajfa-6268	122	37	market	market	NOUN
ajfa-6268	122	38	share	share	NOUN
ajfa-6268	122	39	in	in	ADP
ajfa-6268	122	40	the	the	DET
ajfa-6268	122	41	e	e	NOUN
ajfa-6268	122	42	-	-	NOUN
ajfa-6268	122	43	payment	payment	NOUN
ajfa-6268	122	44	market	market	NOUN
ajfa-6268	122	45	in	in	ADP
ajfa-6268	122	46	nigeria	nigeria	PRON
ajfa-6268	122	47	between	between	ADP
ajfa-6268	122	48	2008	2008	NUM
ajfa-6268	122	49	to	to	ADP
ajfa-6268	122	50	2011	2011	NUM
ajfa-6268	122	51	asian	asian	ADJ
ajfa-6268	122	52	journal	journal	NOUN
ajfa-6268	122	53	of	of	ADP
ajfa-6268	122	54	finance	finance	PROPN
ajfa-6268	122	55	&	&	CCONJ
ajfa-6268	122	56	accounting	accounting	PROPN
ajfa-6268	122	57	issn	issn	PROPN
ajfa-6268	122	58	1946	1946	NUM
ajfa-6268	122	59	-	-	PUNCT
ajfa-6268	122	60	052x	052x	PROPN
ajfa-6268	122	61	2014	2014	NUM
ajfa-6268	122	62	,	,	PUNCT
ajfa-6268	122	63	vol	vol	NOUN
ajfa-6268	122	64	.	.	PROPN
ajfa-6268	122	65	6	6	NUM
ajfa-6268	122	66	,	,	PUNCT
ajfa-6268	122	67	no	no	INTJ
ajfa-6268	122	68	.	.	NOUN
ajfa-6268	122	69	2	2	NUM
ajfa-6268	122	70	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NOUN
ajfa-6268	122	71	369	369	NUM
ajfa-6268	122	72	a	a	DET
ajfa-6268	122	73	report	report	NOUN
ajfa-6268	122	74	by	by	ADP
ajfa-6268	122	75	financial	financial	ADJ
ajfa-6268	122	76	research	research	NOUN
ajfa-6268	122	77	and	and	CCONJ
ajfa-6268	122	78	consulting	consulting	NOUN
ajfa-6268	122	79	firm	firm	NOUN
ajfa-6268	122	80	;	;	PUNCT
ajfa-6268	122	81	celent	celent	NOUN
ajfa-6268	122	82	in	in	ADP
ajfa-6268	122	83	india	india	PROPN
ajfa-6268	122	84	indicates	indicate	VERB
ajfa-6268	122	85	that	that	SCONJ
ajfa-6268	122	86	the	the	DET
ajfa-6268	122	87	value	value	NOUN
ajfa-6268	122	88	of	of	ADP
ajfa-6268	122	89	retail	retail	ADJ
ajfa-6268	122	90	e	e	NOUN
ajfa-6268	122	91	-	-	NOUN
ajfa-6268	122	92	payments	payment	NOUN
ajfa-6268	122	93	in	in	ADP
ajfa-6268	122	94	india	india	PROPN
ajfa-6268	122	95	is	be	AUX
ajfa-6268	122	96	expected	expect	VERB
ajfa-6268	122	97	to	to	PART
ajfa-6268	122	98	reach	reach	VERB
ajfa-6268	122	99	between	between	ADP
ajfa-6268	122	100	us$150	us$150	NOUN
ajfa-6268	122	101	billion	billion	NUM
ajfa-6268	122	102	to	to	PART
ajfa-6268	122	103	us$180	us$180	VERB
ajfa-6268	122	104	billion	billion	NUM
ajfa-6268	122	105	by	by	ADP
ajfa-6268	122	106	the	the	DET
ajfa-6268	122	107	end	end	NOUN
ajfa-6268	122	108	of	of	ADP
ajfa-6268	122	109	2010	2010	NUM
ajfa-6268	122	110	(	(	PUNCT
ajfa-6268	122	111	thesis	thesis	NOUN
ajfa-6268	122	112	-	-	PUNCT
ajfa-6268	122	113	delali	delali	ADJ
ajfa-6268	122	114	kumaga	kumaga	NOUN
ajfa-6268	122	115	)	)	PUNCT
ajfa-6268	122	116	.	.	PUNCT
ajfa-6268	123	1	“	"	PUNCT
ajfa-6268	123	2	more	more	ADJ
ajfa-6268	123	3	than	than	ADP
ajfa-6268	123	4	two	two	NUM
ajfa-6268	123	5	thirds	third	NOUN
ajfa-6268	123	6	of	of	ADP
ajfa-6268	123	7	all	all	DET
ajfa-6268	123	8	non	non	ADJ
ajfa-6268	123	9	-	-	ADJ
ajfa-6268	123	10	cash	cash	ADJ
ajfa-6268	123	11	transactions	transaction	NOUN
ajfa-6268	123	12	payments	payment	NOUN
ajfa-6268	123	13	in	in	ADP
ajfa-6268	123	14	the	the	DET
ajfa-6268	123	15	united	united	PROPN
ajfa-6268	123	16	states	states	PROPN
ajfa-6268	123	17	are	be	AUX
ajfa-6268	123	18	made	make	VERB
ajfa-6268	123	19	electronically	electronically	ADV
ajfa-6268	123	20	,	,	PUNCT
ajfa-6268	123	21	with	with	ADP
ajfa-6268	123	22	the	the	DET
ajfa-6268	123	23	biggest	big	ADJ
ajfa-6268	123	24	increase	increase	NOUN
ajfa-6268	123	25	in	in	ADP
ajfa-6268	123	26	electronic	electronic	ADJ
ajfa-6268	123	27	payments	payment	NOUN
ajfa-6268	123	28	occurring	occur	VERB
ajfa-6268	123	29	between	between	ADP
ajfa-6268	123	30	2003	2003	NUM
ajfa-6268	123	31	and	and	CCONJ
ajfa-6268	123	32	2006	2006	NUM
ajfa-6268	123	33	according	accord	VERB
ajfa-6268	123	34	to	to	ADP
ajfa-6268	123	35	a	a	DET
ajfa-6268	123	36	us	us	PROPN
ajfa-6268	123	37	central	central	PROPN
ajfa-6268	123	38	bank	bank	NOUN
ajfa-6268	123	39	(	(	PUNCT
ajfa-6268	123	40	thesis	thesis	NOUN
ajfa-6268	123	41	-	-	PUNCT
ajfa-6268	123	42	delali	delali	ADJ
ajfa-6268	123	43	kumaga	kumaga	NOUN
ajfa-6268	123	44	)	)	PUNCT
ajfa-6268	123	45	.	.	PUNCT
ajfa-6268	124	1	the	the	DET
ajfa-6268	124	2	central	central	PROPN
ajfa-6268	124	3	bank	bank	PROPN
ajfa-6268	124	4	’s	’s	PART
ajfa-6268	124	5	non	non	ADJ
ajfa-6268	124	6	-	-	ADJ
ajfa-6268	124	7	cash	cash	ADJ
ajfa-6268	124	8	payments	payment	NOUN
ajfa-6268	124	9	study	study	NOUN
ajfa-6268	124	10	found	find	VERB
ajfa-6268	124	11	that	that	SCONJ
ajfa-6268	124	12	about	about	ADV
ajfa-6268	124	13	19	19	NUM
ajfa-6268	124	14	billion	billion	NUM
ajfa-6268	124	15	dollar	dollar	NOUN
ajfa-6268	124	16	of	of	ADP
ajfa-6268	124	17	more	more	ADJ
ajfa-6268	124	18	electronic	electronic	ADJ
ajfa-6268	124	19	payments	payment	NOUN
ajfa-6268	124	20	was	be	AUX
ajfa-6268	124	21	made	make	VERB
ajfa-6268	124	22	in	in	ADP
ajfa-6268	124	23	2006	2006	NUM
ajfa-6268	124	24	than	than	ADP
ajfa-6268	124	25	2003	2003	NUM
ajfa-6268	124	26	”	"	PUNCT
ajfa-6268	124	27	.	.	PUNCT
ajfa-6268	125	1	basically	basically	ADV
ajfa-6268	125	2	,	,	PUNCT
ajfa-6268	125	3	the	the	DET
ajfa-6268	125	4	cashless	cashless	NOUN
ajfa-6268	125	5	banking	banking	NOUN
ajfa-6268	125	6	system	system	NOUN
ajfa-6268	125	7	can	can	AUX
ajfa-6268	125	8	not	not	PART
ajfa-6268	125	9	be	be	AUX
ajfa-6268	125	10	discussed	discuss	VERB
ajfa-6268	125	11	explicitly	explicitly	ADV
ajfa-6268	125	12	without	without	ADP
ajfa-6268	125	13	looking	look	VERB
ajfa-6268	125	14	at	at	ADP
ajfa-6268	125	15	the	the	DET
ajfa-6268	125	16	theory	theory	NOUN
ajfa-6268	125	17	of	of	ADP
ajfa-6268	125	18	money	money	NOUN
ajfa-6268	125	19	.	.	PUNCT
ajfa-6268	126	1	money	money	NOUN
ajfa-6268	126	2	is	be	AUX
ajfa-6268	126	3	the	the	DET
ajfa-6268	126	4	‘	'	PUNCT
ajfa-6268	126	5	brain	brain	NOUN
ajfa-6268	126	6	box	box	NOUN
ajfa-6268	126	7	’	'	PUNCT
ajfa-6268	126	8	behind	behind	ADP
ajfa-6268	126	9	every	every	DET
ajfa-6268	126	10	successful	successful	ADJ
ajfa-6268	126	11	transaction	transaction	NOUN
ajfa-6268	126	12	and	and	CCONJ
ajfa-6268	126	13	the	the	DET
ajfa-6268	126	14	economy	economy	NOUN
ajfa-6268	126	15	as	as	ADP
ajfa-6268	126	16	a	a	DET
ajfa-6268	126	17	whole	whole	NOUN
ajfa-6268	126	18	.	.	PUNCT
ajfa-6268	127	1	3	3	X
ajfa-6268	127	2	.	.	X
ajfa-6268	127	3	methodology	methodology	NOUN
ajfa-6268	127	4	the	the	DET
ajfa-6268	127	5	research	research	NOUN
ajfa-6268	127	6	employs	employ	VERB
ajfa-6268	127	7	ordinary	ordinary	ADJ
ajfa-6268	127	8	least	least	ADJ
ajfa-6268	127	9	square	square	ADJ
ajfa-6268	127	10	(	(	PUNCT
ajfa-6268	127	11	ols	ol	NOUN
ajfa-6268	127	12	)	)	PUNCT
ajfa-6268	127	13	method	method	NOUN
ajfa-6268	127	14	of	of	ADP
ajfa-6268	127	15	log	log	NOUN
ajfa-6268	127	16	-	-	PUNCT
ajfa-6268	127	17	linear	linear	NOUN
ajfa-6268	127	18	multiple	multiple	ADJ
ajfa-6268	127	19	regression	regression	NOUN
ajfa-6268	127	20	analysis	analysis	NOUN
ajfa-6268	127	21	to	to	PART
ajfa-6268	127	22	examine	examine	VERB
ajfa-6268	127	23	the	the	DET
ajfa-6268	127	24	effectiveness	effectiveness	NOUN
ajfa-6268	127	25	of	of	ADP
ajfa-6268	127	26	cashless	cashless	NOUN
ajfa-6268	127	27	banking	banking	NOUN
ajfa-6268	127	28	policies	policy	NOUN
ajfa-6268	127	29	on	on	ADP
ajfa-6268	127	30	return	return	NOUN
ajfa-6268	127	31	on	on	ADP
ajfa-6268	127	32	assets	asset	NOUN
ajfa-6268	127	33	of	of	ADP
ajfa-6268	127	34	banks	bank	NOUN
ajfa-6268	127	35	.	.	PUNCT
ajfa-6268	128	1	before	before	ADP
ajfa-6268	128	2	carrying	carry	VERB
ajfa-6268	128	3	out	out	ADP
ajfa-6268	128	4	the	the	DET
ajfa-6268	128	5	regression	regression	NOUN
ajfa-6268	128	6	analysis	analysis	NOUN
ajfa-6268	128	7	,	,	PUNCT
ajfa-6268	128	8	stationary	stationary	ADJ
ajfa-6268	128	9	test	test	NOUN
ajfa-6268	128	10	using	use	VERB
ajfa-6268	128	11	adf	adf	PROPN
ajfa-6268	128	12	test	test	NOUN
ajfa-6268	128	13	was	be	AUX
ajfa-6268	128	14	carried	carry	VERB
ajfa-6268	128	15	out	out	ADP
ajfa-6268	128	16	on	on	ADP
ajfa-6268	128	17	each	each	PRON
ajfa-6268	128	18	of	of	ADP
ajfa-6268	128	19	the	the	DET
ajfa-6268	128	20	variables	variable	NOUN
ajfa-6268	128	21	to	to	PART
ajfa-6268	128	22	avoid	avoid	VERB
ajfa-6268	128	23	spurious	spurious	ADJ
ajfa-6268	128	24	regression	regression	NOUN
ajfa-6268	128	25	results	result	NOUN
ajfa-6268	128	26	.	.	PUNCT
ajfa-6268	129	1	the	the	DET
ajfa-6268	129	2	estimation	estimation	NOUN
ajfa-6268	129	3	is	be	AUX
ajfa-6268	129	4	conducted	conduct	VERB
ajfa-6268	129	5	using	use	VERB
ajfa-6268	129	6	the	the	DET
ajfa-6268	129	7	econometric	econometric	ADJ
ajfa-6268	129	8	computer	computer	NOUN
ajfa-6268	129	9	software	software	NOUN
ajfa-6268	129	10	package	package	NOUN
ajfa-6268	129	11	,	,	PUNCT
ajfa-6268	129	12	e	e	NOUN
ajfa-6268	129	13	-	-	NOUN
ajfa-6268	129	14	views	views	ADJ
ajfa-6268	129	15	version	version	NOUN
ajfa-6268	129	16	7.0	7.0	NUM
ajfa-6268	129	17	data	datum	NOUN
ajfa-6268	129	18	used	use	VERB
ajfa-6268	129	19	for	for	ADP
ajfa-6268	129	20	this	this	DET
ajfa-6268	129	21	study	study	NOUN
ajfa-6268	129	22	were	be	AUX
ajfa-6268	129	23	obtained	obtain	VERB
ajfa-6268	129	24	basically	basically	ADV
ajfa-6268	129	25	from	from	ADP
ajfa-6268	129	26	secondary	secondary	ADJ
ajfa-6268	129	27	sources	source	NOUN
ajfa-6268	129	28	.	.	PUNCT
ajfa-6268	130	1	the	the	DET
ajfa-6268	130	2	data	datum	NOUN
ajfa-6268	130	3	was	be	AUX
ajfa-6268	130	4	collected	collect	VERB
ajfa-6268	130	5	from	from	ADP
ajfa-6268	130	6	nigerian	nigerian	ADJ
ajfa-6268	130	7	banks	bank	NOUN
ajfa-6268	130	8	’	'	PUNCT
ajfa-6268	130	9	annual	annual	ADJ
ajfa-6268	130	10	financial	financial	ADJ
ajfa-6268	130	11	reports	report	NOUN
ajfa-6268	130	12	and	and	CCONJ
ajfa-6268	130	13	various	various	ADJ
ajfa-6268	130	14	issues	issue	NOUN
ajfa-6268	130	15	of	of	ADP
ajfa-6268	130	16	fact	fact	NOUN
ajfa-6268	130	17	books	book	NOUN
ajfa-6268	130	18	from	from	ADP
ajfa-6268	130	19	central	central	ADJ
ajfa-6268	130	20	bank	bank	NOUN
ajfa-6268	130	21	of	of	ADP
ajfa-6268	130	22	nigerian	nigerian	PROPN
ajfa-6268	130	23	.	.	PUNCT
ajfa-6268	131	1	the	the	DET
ajfa-6268	131	2	relevant	relevant	ADJ
ajfa-6268	131	3	variables	variable	NOUN
ajfa-6268	131	4	comprise	comprise	VERB
ajfa-6268	131	5	net	net	ADJ
ajfa-6268	131	6	profits	profit	NOUN
ajfa-6268	131	7	,	,	PUNCT
ajfa-6268	131	8	return	return	VERB
ajfa-6268	131	9	on	on	ADP
ajfa-6268	131	10	equity	equity	NOUN
ajfa-6268	131	11	(	(	PUNCT
ajfa-6268	131	12	roe	roe	PROPN
ajfa-6268	131	13	)	)	PUNCT
ajfa-6268	131	14	,	,	PUNCT
ajfa-6268	131	15	number	number	NOUN
ajfa-6268	131	16	of	of	ADP
ajfa-6268	131	17	atm	atm	NOUN
ajfa-6268	131	18	devices	device	NOUN
ajfa-6268	131	19	and	and	CCONJ
ajfa-6268	131	20	volume	volume	NOUN
ajfa-6268	131	21	of	of	ADP
ajfa-6268	131	22	transaction	transaction	NOUN
ajfa-6268	131	23	on	on	ADP
ajfa-6268	131	24	e	e	NOUN
ajfa-6268	131	25	-	-	ADJ
ajfa-6268	131	26	banking	banking	ADJ
ajfa-6268	131	27	services	service	NOUN
ajfa-6268	131	28	of	of	ADP
ajfa-6268	131	29	banks	bank	NOUN
ajfa-6268	131	30	.	.	PUNCT
ajfa-6268	132	1	quarterly	quarterly	ADJ
ajfa-6268	132	2	series	series	NOUN
ajfa-6268	132	3	spanning	span	VERB
ajfa-6268	132	4	2006	2006	NUM
ajfa-6268	132	5	:	:	PUNCT
ajfa-6268	132	6	q1	q1	VERB
ajfa-6268	132	7	to	to	ADP
ajfa-6268	132	8	2013	2013	NUM
ajfa-6268	132	9	:	:	PUNCT
ajfa-6268	132	10	q4	q4	PROPN
ajfa-6268	132	11	are	be	AUX
ajfa-6268	132	12	adopted	adopt	VERB
ajfa-6268	132	13	.	.	PUNCT
ajfa-6268	133	1	this	this	PRON
ajfa-6268	133	2	is	be	AUX
ajfa-6268	133	3	to	to	PART
ajfa-6268	133	4	ensure	ensure	VERB
ajfa-6268	133	5	enough	enough	ADJ
ajfa-6268	133	6	data	datum	NOUN
ajfa-6268	133	7	points	point	NOUN
ajfa-6268	133	8	to	to	PART
ajfa-6268	133	9	cater	cater	VERB
ajfa-6268	133	10	for	for	ADP
ajfa-6268	133	11	loss	loss	NOUN
ajfa-6268	133	12	of	of	ADP
ajfa-6268	133	13	degree	degree	NOUN
ajfa-6268	133	14	of	of	ADP
ajfa-6268	133	15	freedom	freedom	NOUN
ajfa-6268	133	16	.	.	PUNCT
ajfa-6268	134	1	this	this	DET
ajfa-6268	134	2	period	period	NOUN
ajfa-6268	134	3	is	be	AUX
ajfa-6268	134	4	believed	believe	VERB
ajfa-6268	134	5	to	to	PART
ajfa-6268	134	6	be	be	AUX
ajfa-6268	134	7	long	long	ADV
ajfa-6268	134	8	enough	enough	ADV
ajfa-6268	134	9	to	to	PART
ajfa-6268	134	10	capture	capture	VERB
ajfa-6268	134	11	the	the	DET
ajfa-6268	134	12	long	long	ADV
ajfa-6268	134	13	-	-	PUNCT
ajfa-6268	134	14	run	run	NOUN
ajfa-6268	134	15	relationship	relationship	NOUN
ajfa-6268	134	16	among	among	ADP
ajfa-6268	134	17	the	the	DET
ajfa-6268	134	18	return	return	NOUN
ajfa-6268	134	19	on	on	ADP
ajfa-6268	134	20	asset	asset	NOUN
ajfa-6268	134	21	on	on	ADP
ajfa-6268	134	22	the	the	DET
ajfa-6268	134	23	cashless	cashless	NOUN
ajfa-6268	134	24	banking	banking	NOUN
ajfa-6268	134	25	and	and	CCONJ
ajfa-6268	134	26	in	in	ADP
ajfa-6268	134	27	order	order	NOUN
ajfa-6268	134	28	to	to	PART
ajfa-6268	134	29	establish	establish	VERB
ajfa-6268	134	30	their	their	PRON
ajfa-6268	134	31	impact	impact	NOUN
ajfa-6268	134	32	on	on	ADP
ajfa-6268	134	33	the	the	DET
ajfa-6268	134	34	profitability	profitability	NOUN
ajfa-6268	134	35	of	of	ADP
ajfa-6268	134	36	the	the	DET
ajfa-6268	134	37	bank	bank	NOUN
ajfa-6268	134	38	.	.	PUNCT
ajfa-6268	135	1	3.1	3.1	NUM
ajfa-6268	135	2	model	model	NOUN
ajfa-6268	135	3	specification	specification	NOUN
ajfa-6268	135	4	the	the	DET
ajfa-6268	135	5	econometric	econometric	ADJ
ajfa-6268	135	6	model	model	NOUN
ajfa-6268	135	7	to	to	PART
ajfa-6268	135	8	consider	consider	VERB
ajfa-6268	135	9	in	in	ADP
ajfa-6268	135	10	this	this	DET
ajfa-6268	135	11	study	study	NOUN
ajfa-6268	135	12	takes	take	VERB
ajfa-6268	135	13	atm	atm	NOUN
ajfa-6268	135	14	,	,	PUNCT
ajfa-6268	135	15	pos	pos	NOUN
ajfa-6268	135	16	,	,	PUNCT
ajfa-6268	135	17	and	and	CCONJ
ajfa-6268	135	18	wbt	wbt	PROPN
ajfa-6268	135	19	as	as	ADP
ajfa-6268	135	20	the	the	DET
ajfa-6268	135	21	explanatory	explanatory	ADJ
ajfa-6268	135	22	variable	variable	NOUN
ajfa-6268	135	23	and	and	CCONJ
ajfa-6268	135	24	roe	roe	NOUN
ajfa-6268	135	25	as	as	ADP
ajfa-6268	135	26	dependent	dependent	ADJ
ajfa-6268	135	27	variable	variable	NOUN
ajfa-6268	135	28	respectively	respectively	ADV
ajfa-6268	135	29	.	.	PUNCT
ajfa-6268	136	1	these	these	DET
ajfa-6268	136	2	variables	variable	NOUN
ajfa-6268	136	3	are	be	AUX
ajfa-6268	136	4	used	use	VERB
ajfa-6268	136	5	at	at	ADP
ajfa-6268	136	6	constant	constant	ADJ
ajfa-6268	136	7	prices	price	NOUN
ajfa-6268	136	8	.	.	PUNCT
ajfa-6268	137	1	this	this	PRON
ajfa-6268	137	2	is	be	AUX
ajfa-6268	137	3	used	use	VERB
ajfa-6268	137	4	to	to	PART
ajfa-6268	137	5	obtain	obtain	VERB
ajfa-6268	137	6	a	a	DET
ajfa-6268	137	7	reliable	reliable	ADJ
ajfa-6268	137	8	parameter	parameter	NOUN
ajfa-6268	137	9	estimates	estimate	NOUN
ajfa-6268	137	10	in	in	ADP
ajfa-6268	137	11	the	the	DET
ajfa-6268	137	12	time	time	NOUN
ajfa-6268	137	13	series	series	PROPN
ajfa-6268	137	14	regression	regression	PROPN
ajfa-6268	137	15	.	.	PUNCT
ajfa-6268	138	1	following	follow	VERB
ajfa-6268	138	2	from	from	ADP
ajfa-6268	138	3	the	the	DET
ajfa-6268	138	4	theoretical	theoretical	ADJ
ajfa-6268	138	5	propositions	proposition	NOUN
ajfa-6268	138	6	explored	explore	VERB
ajfa-6268	138	7	in	in	ADP
ajfa-6268	138	8	the	the	DET
ajfa-6268	138	9	theoretical	theoretical	ADJ
ajfa-6268	138	10	framework	framework	NOUN
ajfa-6268	138	11	,	,	PUNCT
ajfa-6268	138	12	for	for	ADP
ajfa-6268	138	13	the	the	DET
ajfa-6268	138	14	successful	successful	ADJ
ajfa-6268	138	15	examination	examination	NOUN
ajfa-6268	138	16	of	of	ADP
ajfa-6268	138	17	the	the	DET
ajfa-6268	138	18	impact	impact	NOUN
ajfa-6268	138	19	of	of	ADP
ajfa-6268	138	20	atm	atm	PROPN
ajfa-6268	138	21	,	,	PUNCT
ajfa-6268	138	22	pos	pos	NOUN
ajfa-6268	138	23	,	,	PUNCT
ajfa-6268	138	24	and	and	CCONJ
ajfa-6268	138	25	wbt	wbt	PROPN
ajfa-6268	138	26	on	on	ADP
ajfa-6268	138	27	the	the	DET
ajfa-6268	138	28	nigerian	nigerian	ADJ
ajfa-6268	138	29	bank	bank	NOUN
ajfa-6268	138	30	performance	performance	NOUN
ajfa-6268	138	31	,	,	PUNCT
ajfa-6268	138	32	the	the	DET
ajfa-6268	138	33	following	follow	VERB
ajfa-6268	138	34	models	model	NOUN
ajfa-6268	138	35	needed	need	VERB
ajfa-6268	138	36	to	to	PART
ajfa-6268	138	37	test	test	VERB
ajfa-6268	138	38	the	the	DET
ajfa-6268	138	39	set	set	ADJ
ajfa-6268	138	40	hypotheses	hypothesis	NOUN
ajfa-6268	138	41	can	can	AUX
ajfa-6268	138	42	be	be	AUX
ajfa-6268	138	43	explicitly	explicitly	ADV
ajfa-6268	138	44	specified	specify	VERB
ajfa-6268	138	45	:	:	PUNCT
ajfa-6268	138	46	(	(	PUNCT
ajfa-6268	138	47	,	,	PUNCT
ajfa-6268	138	48	,	,	PUNCT
ajfa-6268	138	49	)	)	PUNCT
ajfa-6268	138	50	1roe	1roe	NUM
ajfa-6268	138	51	f	f	NOUN
ajfa-6268	138	52	atm	atm	PROPN
ajfa-6268	138	53	pos	pos	PROPN
ajfa-6268	138	54	wbt=	wbt=	PROPN
ajfa-6268	138	55	−	−	PROPN
ajfa-6268	138	56	−	−	PROPN
ajfa-6268	138	57	−	−	PROPN
ajfa-6268	138	58	−	−	PROPN
ajfa-6268	139	1	−	−	PROPN
ajfa-6268	140	1	−	−	PROPN
ajfa-6268	141	1	−	−	PROPN
ajfa-6268	142	1	−	−	PROPN
ajfa-6268	143	1	−	−	PROPN
ajfa-6268	144	1	−	−	PROPN
ajfa-6268	145	1	−	−	PROPN
ajfa-6268	146	1	−	−	PROPN
ajfa-6268	147	1	−	−	NOUN
ajfa-6268	147	2	−	−	NUM
ajfa-6268	147	3	specifying	specify	VERB
ajfa-6268	147	4	equation	equation	NOUN
ajfa-6268	147	5	(	(	PUNCT
ajfa-6268	147	6	1	1	NUM
ajfa-6268	147	7	)	)	PUNCT
ajfa-6268	147	8	in	in	ADP
ajfa-6268	147	9	an	an	DET
ajfa-6268	147	10	exponential	exponential	ADJ
ajfa-6268	147	11	regression	regression	NOUN
ajfa-6268	147	12	model	model	NOUN
ajfa-6268	147	13	,	,	PUNCT
ajfa-6268	147	14	we	we	PRON
ajfa-6268	147	15	have	have	VERB
ajfa-6268	147	16	;	;	PUNCT
ajfa-6268	147	17	31	31	NUM
ajfa-6268	147	18	2	2	NUM
ajfa-6268	147	19	2troe	2troe	NUM
ajfa-6268	147	20	atm	atm	NOUN
ajfa-6268	147	21	pos	pos	NOUN
ajfa-6268	147	22	wbt	wbt	PROPN
ajfa-6268	147	23	eβ	eβ	NOUN
ajfa-6268	147	24	μβ	μβ	ADP
ajfa-6268	147	25	βα=	βα=	ADJ
ajfa-6268	147	26	−	−	PROPN
ajfa-6268	147	27	−	−	PROPN
ajfa-6268	148	1	−	−	PROPN
ajfa-6268	149	1	−	−	PROPN
ajfa-6268	150	1	−	−	PROPN
ajfa-6268	151	1	−	−	PROPN
ajfa-6268	152	1	−	−	PROPN
ajfa-6268	153	1	−	−	PROPN
ajfa-6268	154	1	−	−	NOUN
ajfa-6268	155	1	−	−	PROPN
ajfa-6268	155	2	−	−	PROPN
ajfa-6268	155	3	asian	asian	ADJ
ajfa-6268	155	4	journal	journal	NOUN
ajfa-6268	155	5	of	of	ADP
ajfa-6268	155	6	finance	finance	PROPN
ajfa-6268	155	7	&	&	CCONJ
ajfa-6268	155	8	accounting	accounting	PROPN
ajfa-6268	155	9	issn	issn	PROPN
ajfa-6268	155	10	1946	1946	NUM
ajfa-6268	155	11	-	-	PUNCT
ajfa-6268	155	12	052x	052x	PROPN
ajfa-6268	155	13	2014	2014	NUM
ajfa-6268	155	14	,	,	PUNCT
ajfa-6268	155	15	vol	vol	NOUN
ajfa-6268	155	16	.	.	PROPN
ajfa-6268	155	17	6	6	NUM
ajfa-6268	155	18	,	,	PUNCT
ajfa-6268	155	19	no	no	INTJ
ajfa-6268	155	20	.	.	NOUN
ajfa-6268	155	21	2	2	NUM
ajfa-6268	155	22	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NOUN
ajfa-6268	155	23	370	370	NUM
ajfa-6268	155	24	in	in	ADP
ajfa-6268	155	25	this	this	DET
ajfa-6268	155	26	form	form	NOUN
ajfa-6268	155	27	,	,	PUNCT
ajfa-6268	155	28	the	the	DET
ajfa-6268	155	29	coefficients	coefficient	NOUN
ajfa-6268	155	30	1	1	NUM
ajfa-6268	155	31	2	2	NUM
ajfa-6268	155	32	3	3	NUM
ajfa-6268	155	33	,	,	PUNCT
ajfa-6268	155	34	,	,	PUNCT
ajfa-6268	155	35	β	β	X
ajfa-6268	155	36	β	β	X
ajfa-6268	155	37	β	β	X
ajfa-6268	155	38	can	can	AUX
ajfa-6268	155	39	be	be	AUX
ajfa-6268	155	40	directly	directly	ADV
ajfa-6268	155	41	estimated	estimate	VERB
ajfa-6268	155	42	by	by	ADP
ajfa-6268	155	43	applying	apply	VERB
ajfa-6268	155	44	log	log	NOUN
ajfa-6268	155	45	-	-	PUNCT
ajfa-6268	155	46	linear	linear	NOUN
ajfa-6268	155	47	regression	regression	NOUN
ajfa-6268	155	48	techniques	technique	NOUN
ajfa-6268	155	49	via	via	ADP
ajfa-6268	155	50	logarithmic	logarithmic	ADJ
ajfa-6268	155	51	transformation	transformation	NOUN
ajfa-6268	155	52	;	;	PUNCT
ajfa-6268	155	53	and	and	CCONJ
ajfa-6268	155	54	those	those	DET
ajfa-6268	155	55	coefficients	coefficient	NOUN
ajfa-6268	155	56	will	will	AUX
ajfa-6268	155	57	be	be	AUX
ajfa-6268	155	58	the	the	DET
ajfa-6268	155	59	elasticity	elasticity	NOUN
ajfa-6268	155	60	.	.	PUNCT
ajfa-6268	156	1	taking	take	VERB
ajfa-6268	156	2	natural	natural	ADJ
ajfa-6268	156	3	logs	log	NOUN
ajfa-6268	156	4	of	of	ADP
ajfa-6268	156	5	both	both	DET
ajfa-6268	156	6	sides	side	NOUN
ajfa-6268	156	7	of	of	ADP
ajfa-6268	156	8	the	the	DET
ajfa-6268	156	9	equation	equation	NOUN
ajfa-6268	156	10	,	,	PUNCT
ajfa-6268	156	11	we	we	PRON
ajfa-6268	156	12	have	have	VERB
ajfa-6268	156	13	:	:	PUNCT
ajfa-6268	156	14	31	31	NUM
ajfa-6268	156	15	2log	2log	PROPN
ajfa-6268	156	16	log	log	NOUN
ajfa-6268	156	17	log	log	NOUN
ajfa-6268	156	18	log	log	NOUN
ajfa-6268	156	19	log	log	NOUN
ajfa-6268	156	20	3troe	3troe	NUM
ajfa-6268	156	21	atm	atm	NOUN
ajfa-6268	156	22	pos	pos	NOUN
ajfa-6268	156	23	wbtα	wbtα	ADJ
ajfa-6268	156	24	β	β	X
ajfa-6268	156	25	β	β	X
ajfa-6268	156	26	β	β	X
ajfa-6268	156	27	μ=	μ=	NOUN
ajfa-6268	156	28	+	+	PUNCT
ajfa-6268	157	1	+	+	PUNCT
ajfa-6268	157	2	+	+	PUNCT
ajfa-6268	158	1	+	+	NUM
ajfa-6268	158	2	−	−	ADP
ajfa-6268	158	3	−	−	NUM
ajfa-6268	158	4	−	−	NOUN
ajfa-6268	158	5	−	−	PROPN
ajfa-6268	158	6	−	−	PROPN
ajfa-6268	158	7	−	−	PROPN
ajfa-6268	158	8	−	−	PROPN
ajfa-6268	159	1	−	−	NOUN
ajfa-6268	160	1	−	−	NOUN
ajfa-6268	160	2	we	we	PRON
ajfa-6268	160	3	then	then	ADV
ajfa-6268	160	4	differentiate	differentiate	VERB
ajfa-6268	160	5	partially	partially	ADV
ajfa-6268	160	6	with	with	ADP
ajfa-6268	160	7	respect	respect	NOUN
ajfa-6268	160	8	to	to	ADP
ajfa-6268	160	9	the	the	DET
ajfa-6268	160	10	log	log	NOUN
ajfa-6268	160	11	of	of	ADP
ajfa-6268	160	12	each	each	DET
ajfa-6268	160	13	variable	variable	NOUN
ajfa-6268	160	14	to	to	PART
ajfa-6268	160	15	obtain	obtain	VERB
ajfa-6268	160	16	elasticity	elasticity	NOUN
ajfa-6268	160	17	of	of	ADP
ajfa-6268	160	18	roe	roe	PROPN
ajfa-6268	160	19	and	and	CCONJ
ajfa-6268	160	20	a	a	DET
ajfa-6268	160	21	priori	priori	ADJ
ajfa-6268	160	22	sign	sign	NOUN
ajfa-6268	160	23	expectation	expectation	NOUN
ajfa-6268	160	24	of	of	ADP
ajfa-6268	160	25	equation	equation	NOUN
ajfa-6268	160	26	(	(	PUNCT
ajfa-6268	160	27	4	4	NUM
ajfa-6268	160	28	)	)	PUNCT
ajfa-6268	160	29	;	;	PUNCT
ajfa-6268	160	30	1	1	NUM
ajfa-6268	160	31	log	log	NOUN
ajfa-6268	160	32	0	0	NUM
ajfa-6268	160	33	4	4	NUM
ajfa-6268	160	34	log	log	NOUN
ajfa-6268	160	35	t	t	PROPN
ajfa-6268	160	36	t	t	PROPN
ajfa-6268	160	37	t	t	PROPN
ajfa-6268	160	38	t	t	PROPN
ajfa-6268	160	39	atmroe	atmroe	PROPN
ajfa-6268	160	40	roe	roe	PROPN
ajfa-6268	160	41	atm	atm	PROPN
ajfa-6268	160	42	atm	atm	PROPN
ajfa-6268	160	43	roe	roe	PROPN
ajfa-6268	160	44	β	β	PROPN
ajfa-6268	160	45			NOUN
ajfa-6268	160	46			PROPN
ajfa-6268	160	47	∂	∂	VERB
ajfa-6268	161	1	∂=	∂=	PROPN
ajfa-6268	161	2	=	=	PUNCT
ajfa-6268	161	3	>	>	PUNCT
ajfa-6268	161	4	−	−	PROPN
ajfa-6268	162	1	−	−	NOUN
ajfa-6268	162	2	−	−	PROPN
ajfa-6268	162	3	−	−	PROPN
ajfa-6268	162	4	−	−	PROPN
ajfa-6268	162	5	−	−	PROPN
ajfa-6268	162	6	−	−	PROPN
ajfa-6268	162	7	−	−	PROPN
ajfa-6268	162	8	−	−	PROPN
ajfa-6268	163	1	−	−	PROPN
ajfa-6268	163	2	−	−	PROPN
ajfa-6268	164	1	−	−	PROPN
ajfa-6268	164	2			CCONJ
ajfa-6268	164	3	∂	∂	PROPN
ajfa-6268	164	4	∂	∂	PROPN
ajfa-6268	164	5			NOUN
ajfa-6268	164	6			NOUN
ajfa-6268	164	7	2	2	NUM
ajfa-6268	164	8	log	log	NOUN
ajfa-6268	164	9	0	0	NUM
ajfa-6268	164	10	5	5	NUM
ajfa-6268	164	11	log	log	NOUN
ajfa-6268	164	12	t	t	PROPN
ajfa-6268	164	13	t	t	PROPN
ajfa-6268	164	14	t	t	PROPN
ajfa-6268	164	15	t	t	PROPN
ajfa-6268	164	16	posroe	posroe	PROPN
ajfa-6268	164	17	roe	roe	PROPN
ajfa-6268	164	18	pos	pos	PROPN
ajfa-6268	164	19	pos	pos	PROPN
ajfa-6268	164	20	roe	roe	PROPN
ajfa-6268	164	21	β	β	PROPN
ajfa-6268	164	22			NOUN
ajfa-6268	164	23			PROPN
ajfa-6268	164	24	∂	∂	VERB
ajfa-6268	165	1	∂=	∂=	PROPN
ajfa-6268	165	2	=	=	PUNCT
ajfa-6268	165	3	>	>	PUNCT
ajfa-6268	165	4	−	−	PROPN
ajfa-6268	166	1	−	−	NOUN
ajfa-6268	166	2	−	−	PROPN
ajfa-6268	166	3	−	−	PROPN
ajfa-6268	166	4	−	−	PROPN
ajfa-6268	166	5	−	−	PROPN
ajfa-6268	166	6	−	−	PROPN
ajfa-6268	166	7	−	−	PROPN
ajfa-6268	166	8	−	−	PROPN
ajfa-6268	167	1	−	−	PROPN
ajfa-6268	167	2	−	−	PROPN
ajfa-6268	168	1	−	−	PROPN
ajfa-6268	168	2			CCONJ
ajfa-6268	168	3	∂	∂	PROPN
ajfa-6268	168	4	∂	∂	PROPN
ajfa-6268	168	5			NOUN
ajfa-6268	168	6			NOUN
ajfa-6268	168	7	3	3	NUM
ajfa-6268	168	8	log	log	NOUN
ajfa-6268	168	9	0	0	NUM
ajfa-6268	168	10	6	6	NUM
ajfa-6268	168	11	log	log	NOUN
ajfa-6268	168	12	t	t	PROPN
ajfa-6268	168	13	t	t	PROPN
ajfa-6268	168	14	t	t	PROPN
ajfa-6268	168	15	t	t	PROPN
ajfa-6268	168	16	wbtroe	wbtroe	PROPN
ajfa-6268	168	17	roe	roe	PROPN
ajfa-6268	168	18	wbt	wbt	PROPN
ajfa-6268	168	19	wbt	wbt	PROPN
ajfa-6268	168	20	roe	roe	PROPN
ajfa-6268	168	21	β	β	PROPN
ajfa-6268	168	22			NOUN
ajfa-6268	168	23			PROPN
ajfa-6268	168	24	∂	∂	VERB
ajfa-6268	169	1	∂=	∂=	PROPN
ajfa-6268	169	2	=	=	PUNCT
ajfa-6268	169	3	>	>	PUNCT
ajfa-6268	169	4	−	−	PROPN
ajfa-6268	170	1	−	−	NOUN
ajfa-6268	170	2	−	−	PROPN
ajfa-6268	170	3	−	−	PROPN
ajfa-6268	170	4	−	−	PROPN
ajfa-6268	170	5	−	−	PROPN
ajfa-6268	170	6	−	−	PROPN
ajfa-6268	170	7	−	−	PROPN
ajfa-6268	170	8	−	−	PROPN
ajfa-6268	171	1	−	−	PROPN
ajfa-6268	171	2	−	−	PROPN
ajfa-6268	172	1	−	−	PROPN
ajfa-6268	172	2			CCONJ
ajfa-6268	172	3	∂	∂	PROPN
ajfa-6268	172	4	∂	∂	PROPN
ajfa-6268	172	5			NOUN
ajfa-6268	172	6			NOUN
ajfa-6268	172	7	4	4	NUM
ajfa-6268	172	8	.	.	PUNCT
ajfa-6268	173	1	discussion	discussion	NOUN
ajfa-6268	173	2	and	and	CCONJ
ajfa-6268	173	3	analysis	analysis	NOUN
ajfa-6268	173	4	4.1	4.1	NUM
ajfa-6268	173	5	data	datum	NOUN
ajfa-6268	173	6	presentation	presentation	NOUN
ajfa-6268	173	7	table	table	NOUN
ajfa-6268	173	8	2	2	NUM
ajfa-6268	173	9	presents	present	NOUN
ajfa-6268	173	10	data	datum	NOUN
ajfa-6268	173	11	collected	collect	VERB
ajfa-6268	173	12	from	from	ADP
ajfa-6268	173	13	cbn	cbn	PROPN
ajfa-6268	173	14	annual	annual	ADJ
ajfa-6268	173	15	activity	activity	NOUN
ajfa-6268	173	16	report	report	NOUN
ajfa-6268	173	17	and	and	CCONJ
ajfa-6268	173	18	statistical	statistical	ADJ
ajfa-6268	173	19	bulletin	bulletin	NOUN
ajfa-6268	173	20	(	(	PUNCT
ajfa-6268	173	21	2012	2012	NUM
ajfa-6268	173	22	)	)	PUNCT
ajfa-6268	173	23	.	.	PUNCT
ajfa-6268	174	1	these	these	DET
ajfa-6268	174	2	data	datum	NOUN
ajfa-6268	174	3	include	include	VERB
ajfa-6268	174	4	the	the	DET
ajfa-6268	174	5	daily	daily	ADJ
ajfa-6268	174	6	usage	usage	NOUN
ajfa-6268	174	7	of	of	ADP
ajfa-6268	174	8	atms	atms	NOUN
ajfa-6268	174	9	,	,	PUNCT
ajfa-6268	174	10	poss	poss	ADJ
ajfa-6268	174	11	,	,	PUNCT
ajfa-6268	174	12	wbts	wbts	ADJ
ajfa-6268	174	13	,	,	PUNCT
ajfa-6268	174	14	and	and	CCONJ
ajfa-6268	174	15	also	also	ADV
ajfa-6268	174	16	,	,	PUNCT
ajfa-6268	174	17	the	the	DET
ajfa-6268	174	18	return	return	NOUN
ajfa-6268	174	19	on	on	ADP
ajfa-6268	174	20	equity	equity	NOUN
ajfa-6268	174	21	of	of	ADP
ajfa-6268	174	22	money	money	NOUN
ajfa-6268	174	23	deposit	deposit	NOUN
ajfa-6268	174	24	banks	bank	NOUN
ajfa-6268	174	25	ranging	range	VERB
ajfa-6268	174	26	on	on	ADP
ajfa-6268	174	27	a	a	DET
ajfa-6268	174	28	quarterly	quarterly	ADJ
ajfa-6268	174	29	series	series	NOUN
ajfa-6268	174	30	spanning	span	VERB
ajfa-6268	174	31	from	from	ADP
ajfa-6268	174	32	2006	2006	NUM
ajfa-6268	174	33	to	to	ADP
ajfa-6268	174	34	2012	2012	NUM
ajfa-6268	174	35	.	.	PUNCT
ajfa-6268	175	1	asian	asian	ADJ
ajfa-6268	175	2	journal	journal	PROPN
ajfa-6268	175	3	of	of	ADP
ajfa-6268	175	4	finance	finance	PROPN
ajfa-6268	175	5	&	&	CCONJ
ajfa-6268	175	6	accounting	accounting	PROPN
ajfa-6268	175	7	issn	issn	PROPN
ajfa-6268	175	8	1946	1946	NUM
ajfa-6268	175	9	-	-	PUNCT
ajfa-6268	175	10	052x	052x	PROPN
ajfa-6268	175	11	2014	2014	NUM
ajfa-6268	175	12	,	,	PUNCT
ajfa-6268	175	13	vol	vol	NOUN
ajfa-6268	175	14	.	.	PROPN
ajfa-6268	176	1	6	6	NUM
ajfa-6268	176	2	,	,	PUNCT
ajfa-6268	176	3	no	no	INTJ
ajfa-6268	176	4	.	.	NOUN
ajfa-6268	176	5	2	2	NUM
ajfa-6268	176	6	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-6268	176	7	371	371	NUM
ajfa-6268	176	8	table	table	NOUN
ajfa-6268	176	9	2	2	NUM
ajfa-6268	176	10	.	.	NOUN
ajfa-6268	176	11	atm	atm	PROPN
ajfa-6268	176	12	usages	usage	NOUN
ajfa-6268	176	13	,	,	PUNCT
ajfa-6268	176	14	pos	pos	NOUN
ajfa-6268	176	15	usages	usage	NOUN
ajfa-6268	176	16	,	,	PUNCT
ajfa-6268	176	17	wbt	wbt	PROPN
ajfa-6268	176	18	usages	usage	NOUN
ajfa-6268	176	19	and	and	CCONJ
ajfa-6268	176	20	roe	roe	NOUN
ajfa-6268	176	21	,	,	PUNCT
ajfa-6268	176	22	2006	2006	NUM
ajfa-6268	176	23	(	(	PUNCT
ajfa-6268	176	24	quarter	quarter	NOUN
ajfa-6268	176	25	)	)	PUNCT
ajfa-6268	176	26	2012	2012	NUM
ajfa-6268	176	27	(	(	PUNCT
ajfa-6268	176	28	quarter	quarter	NOUN
ajfa-6268	176	29	)	)	PUNCT
ajfa-6268	176	30	year	year	NOUN
ajfa-6268	176	31	quarters	quarter	NOUN
ajfa-6268	176	32	atm	atm	NOUN
ajfa-6268	176	33	usages	usage	NOUN
ajfa-6268	176	34	(	(	PUNCT
ajfa-6268	176	35	in	in	ADP
ajfa-6268	176	36	volume	volume	NOUN
ajfa-6268	176	37	)	)	PUNCT
ajfa-6268	176	38	pos	pos	NOUN
ajfa-6268	176	39	usages	usage	NOUN
ajfa-6268	176	40	(	(	PUNCT
ajfa-6268	176	41	in	in	ADP
ajfa-6268	176	42	volume	volume	NOUN
ajfa-6268	176	43	)	)	PUNCT
ajfa-6268	176	44	wbt	wbt	PROPN
ajfa-6268	176	45	usages	usage	NOUN
ajfa-6268	176	46	(	(	PUNCT
ajfa-6268	176	47	in	in	ADP
ajfa-6268	176	48	volume	volume	NOUN
ajfa-6268	176	49	)	)	PUNCT
ajfa-6268	176	50	return	return	NOUN
ajfa-6268	176	51	of	of	ADP
ajfa-6268	176	52	equity	equity	NOUN
ajfa-6268	176	53	(	(	PUNCT
ajfa-6268	176	54	in	in	ADP
ajfa-6268	176	55	millions	million	NOUN
ajfa-6268	176	56	)	)	PUNCT
ajfa-6268	176	57	2006	2006	NUM
ajfa-6268	176	58	1st	1st	NOUN
ajfa-6268	176	59	quarter	quarter	NOUN
ajfa-6268	176	60	1,633,957.00	1,633,957.00	NUM
ajfa-6268	176	61	5,138.00	5,138.00	NUM
ajfa-6268	176	62	49,219.00	49,219.00	NUM
ajfa-6268	176	63	47,198.40	47,198.40	NUM
ajfa-6268	176	64	2nd	2nd	ADJ
ajfa-6268	176	65	quarter	quarter	NOUN
ajfa-6268	176	66	1,974,065.00	1,974,065.00	NUM
ajfa-6268	176	67	14,633.00	14,633.00	NUM
ajfa-6268	176	68	51,563.00	51,563.00	NUM
ajfa-6268	176	69	109,037.00	109,037.00	NUM
ajfa-6268	176	70	3rd	3rd	ADJ
ajfa-6268	176	71	quarter	quarter	NOUN
ajfa-6268	176	72	2,156,055.00	2,156,055.00	NUM
ajfa-6268	176	73	24,689.00	24,689.00	NUM
ajfa-6268	176	74	52,673.00	52,673.00	NUM
ajfa-6268	176	75	122,587.20	122,587.20	NUM
ajfa-6268	176	76	4th	4th	ADJ
ajfa-6268	176	77	quarter	quarter	NOUN
ajfa-6268	176	78	1,974,065.00	1,974,065.00	NUM
ajfa-6268	176	79	39,733.00	39,733.00	NUM
ajfa-6268	176	80	52,573.00	52,573.00	PROPN
ajfa-6268	176	81	172,538.30	172,538.30	NUM
ajfa-6268	176	82	2007	2007	NUM
ajfa-6268	176	83	1st	1st	ADJ
ajfa-6268	176	84	quarter	quarter	NOUN
ajfa-6268	176	85	1,924,744.00	1,924,744.00	NUM
ajfa-6268	176	86	39,847.00	39,847.00	NUM
ajfa-6268	176	87	53,411.00	53,411.00	NUM
ajfa-6268	176	88	188,511.10	188,511.10	NUM
ajfa-6268	176	89	2nd	2nd	ADJ
ajfa-6268	176	90	quarter	quarter	NOUN
ajfa-6268	176	91	2,840,723.00	2,840,723.00	NUM
ajfa-6268	176	92	51,311.00	51,311.00	NUM
ajfa-6268	176	93	168,126.00	168,126.00	NUM
ajfa-6268	176	94	302,380.00	302,380.00	NUM
ajfa-6268	176	95	3rd	3rd	ADJ
ajfa-6268	176	96	quarter	quarter	NOUN
ajfa-6268	176	97	2,799,713.00	2,799,713.00	NUM
ajfa-6268	176	98	151,324.00	151,324.00	NUM
ajfa-6268	176	99	177,876.00	177,876.00	NUM
ajfa-6268	176	100	474,404.10	474,404.10	NUM
ajfa-6268	176	101	4th	4th	ADJ
ajfa-6268	176	102	quarter	quarter	NOUN
ajfa-6268	176	103	6,230,723.00	6,230,723.00	NUM
ajfa-6268	176	104	226,564.00	226,564.00	NUM
ajfa-6268	176	105	179,826.00	179,826.00	NUM
ajfa-6268	176	106	924,105.00	924,105.00	NUM
ajfa-6268	176	107	2008	2008	NUM
ajfa-6268	176	108	1st	1st	ADJ
ajfa-6268	176	109	quarter	quarter	NOUN
ajfa-6268	176	110	7,762,869.00	7,762,869.00	NUM
ajfa-6268	176	111	239,997.00	239,997.00	NUM
ajfa-6268	176	112	274,193.00	274,193.00	NUM
ajfa-6268	176	113	305,028.50	305,028.50	NUM
ajfa-6268	176	114	2nd	2nd	ADJ
ajfa-6268	176	115	quarter	quarter	NOUN
ajfa-6268	176	116	11,192,073.00	11,192,073.00	NUM
ajfa-6268	176	117	295,379.00	295,379.00	NUM
ajfa-6268	176	118	311,770.00	311,770.00	NUM
ajfa-6268	176	119	398,210.00	398,210.00	NUM
ajfa-6268	176	120	3rd	3rd	ADJ
ajfa-6268	176	121	quarter	quarter	NOUN
ajfa-6268	176	122	18,449,864.35	18,449,864.35	NUM
ajfa-6268	176	123	295,904.90	295,904.90	NUM
ajfa-6268	176	124	271,036.00	271,036.00	NUM
ajfa-6268	176	125	437,658.60	437,658.60	NUM
ajfa-6268	176	126	4th	4th	ADJ
ajfa-6268	176	127	quarter	quarter	NOUN
ajfa-6268	176	128	22,728,804.12	22,728,804.12	NUM
ajfa-6268	176	129	363,319.22	363,319.22	NUM
ajfa-6268	176	130	284,467.00	284,467.00	NUM
ajfa-6268	176	131	481,295.50	481,295.50	NUM
ajfa-6268	176	132	2009	2009	NUM
ajfa-6268	176	133	1st	1st	ADJ
ajfa-6268	176	134	quarter	quarter	NOUN
ajfa-6268	176	135	26,103,483.00	26,103,483.00	NUM
ajfa-6268	176	136	251,785.00	251,785.00	NUM
ajfa-6268	176	137	413,677.00	413,677.00	NUM
ajfa-6268	176	138	463,238.70	463,238.70	NUM
ajfa-6268	176	139	2nd	2nd	ADJ
ajfa-6268	176	140	quarter	quarter	NOUN
ajfa-6268	176	141	29,947,212.00	29,947,212.00	NUM
ajfa-6268	176	142	238,387.00	238,387.00	NUM
ajfa-6268	176	143	474,180.00	474,180.00	NUM
ajfa-6268	176	144	1,358,276.10	1,358,276.10	NUM
ajfa-6268	176	145	3rd	3rd	ADJ
ajfa-6268	176	146	quarter	quarter	NOUN
ajfa-6268	176	147	25,725,223.00	25,725,223.00	NUM
ajfa-6268	176	148	210,017.00	210,017.00	NUM
ajfa-6268	176	149	500,032.00	500,032.00	NUM
ajfa-6268	176	150	930,748.00	930,748.00	NUM
ajfa-6268	176	151	4th	4th	ADJ
ajfa-6268	176	152	quarter	quarter	NOUN
ajfa-6268	176	153	27,385,728.00	27,385,728.00	NUM
ajfa-6268	176	154	218,067.00	218,067.00	NUM
ajfa-6268	176	155	567,360.00	567,360.00	NUM
ajfa-6268	176	156	1,506,845.90	1,506,845.90	NUM
ajfa-6268	176	157	2010	2010	NUM
ajfa-6268	176	158	1st	1st	ADJ
ajfa-6268	176	159	quarter	quarter	NOUN
ajfa-6268	176	160	7,762,869.00	7,762,869.00	NUM
ajfa-6268	176	161	253,484.00	253,484.00	NUM
ajfa-6268	176	162	331,787.00	331,787.00	NUM
ajfa-6268	176	163	1,265,643.40	1,265,643.40	NUM
ajfa-6268	176	164	2nd	2nd	ADJ
ajfa-6268	176	165	quarter	quarter	NOUN
ajfa-6268	176	166	11,192,073.00	11,192,073.00	NUM
ajfa-6268	176	167	237,435.00	237,435.00	NUM
ajfa-6268	176	168	353,120.00	353,120.00	NUM
ajfa-6268	176	169	1,296,356.90	1,296,356.90	NUM
ajfa-6268	176	170	3rd	3rd	ADJ
ajfa-6268	176	171	quarter	quarter	NOUN
ajfa-6268	176	172	18,449,864.34	18,449,864.34	NUM
ajfa-6268	176	173	256,637.00	256,637.00	NUM
ajfa-6268	176	174	414,390.00	414,390.00	NUM
ajfa-6268	176	175	2,247,039.90	2,247,039.90	NUM
ajfa-6268	176	176	4th	4th	ADJ
ajfa-6268	176	177	quarter	quarter	NOUN
ajfa-6268	176	178	22,728,804.12	22,728,804.12	NUM
ajfa-6268	176	179	324,870.00	324,870.00	NUM
ajfa-6268	176	180	501,789.00	501,789.00	NUM
ajfa-6268	176	181	2,766,880.30	2,766,880.30	NUM
ajfa-6268	176	182	2011	2011	NUM
ajfa-6268	176	183	1st	1st	ADJ
ajfa-6268	176	184	quarter	quarter	NOUN
ajfa-6268	176	185	79,612,004.00	79,612,004.00	NUM
ajfa-6268	176	186	383,541.00	383,541.00	NUM
ajfa-6268	176	187	670,187.00	670,187.00	NUM
ajfa-6268	176	188	3,047,856.30	3,047,856.30	NUM
ajfa-6268	176	189	2nd	2nd	ADJ
ajfa-6268	176	190	quarter	quarter	NOUN
ajfa-6268	176	191	85,143,051.00	85,143,051.00	NUM
ajfa-6268	176	192	425,574.00	425,574.00	NUM
ajfa-6268	176	193	532,849.00	532,849.00	NUM
ajfa-6268	176	194	3,753,277.80	3,753,277.80	NUM
ajfa-6268	176	195	3rd	3rd	ADJ
ajfa-6268	176	196	quarter	quarter	NOUN
ajfa-6268	176	197	87,537,528.00	87,537,528.00	NUM
ajfa-6268	176	198	590,646.00	590,646.00	NUM
ajfa-6268	176	199	289,326.00	289,326.00	NUM
ajfa-6268	176	200	4,515,117.60	4,515,117.60	NUM
ajfa-6268	176	201	4th	4th	ADJ
ajfa-6268	176	202	quarter	quarter	NOUN
ajfa-6268	176	203	95,277,416.00	95,277,416.00	NUM
ajfa-6268	176	204	700,912.00	700,912.00	NUM
ajfa-6268	176	205	439,993.00	439,993.00	NUM
ajfa-6268	176	206	7,172,932.10	7,172,932.10	NUM
ajfa-6268	176	207	2012	2012	NUM
ajfa-6268	176	208	1st	1st	ADJ
ajfa-6268	176	209	quarter	quarter	NOUN
ajfa-6268	176	210	86,689,804.00	86,689,804.00	NUM
ajfa-6268	176	211	118,620.00	118,620.00	NUM
ajfa-6268	176	212	374,409.00	374,409.00	NUM
ajfa-6268	176	213	10,981,693.60	10,981,693.60	NUM
ajfa-6268	176	214	2nd	2nd	ADJ
ajfa-6268	176	215	quarter	quarter	NOUN
ajfa-6268	176	216	91,802,445.00	91,802,445.00	NUM
ajfa-6268	176	217	485,173.00	485,173.00	NUM
ajfa-6268	176	218	723,755.00	723,755.00	NUM
ajfa-6268	176	219	15,919,559.80	15,919,559.80	NUM
ajfa-6268	176	220	3rd	3rd	ADJ
ajfa-6268	176	221	quarter	quarter	NOUN
ajfa-6268	176	222	94,995,190.00	94,995,190.00	NUM
ajfa-6268	176	223	767,858.00	767,858.00	NUM
ajfa-6268	176	224	456,286.00	456,286.00	NUM
ajfa-6268	176	225	17,522,858.20	17,522,858.20	NUM
ajfa-6268	176	226	4th	4th	ADJ
ajfa-6268	176	227	quarter	quarter	NOUN
ajfa-6268	176	228	102,000,317.00	102,000,317.00	NUM
ajfa-6268	176	229	1,183,394.00	1,183,394.00	NUM
ajfa-6268	176	230	722,014.00	722,014.00	NUM
ajfa-6268	176	231	17,331,559.00	17,331,559.00	NUM
ajfa-6268	176	232	sources	source	NOUN
ajfa-6268	176	233	:	:	PUNCT
ajfa-6268	176	234	cbn	cbn	PROPN
ajfa-6268	176	235	annual	annual	ADJ
ajfa-6268	176	236	activity	activity	NOUN
ajfa-6268	176	237	report	report	NOUN
ajfa-6268	176	238	,	,	PUNCT
ajfa-6268	176	239	(	(	PUNCT
ajfa-6268	176	240	2012	2012	NUM
ajfa-6268	176	241	)	)	PUNCT
ajfa-6268	176	242	;	;	PUNCT
ajfa-6268	176	243	cbn	cbn	VERB
ajfa-6268	176	244	statistical	statistical	ADJ
ajfa-6268	176	245	bulletin	bulletin	NOUN
ajfa-6268	176	246	(	(	PUNCT
ajfa-6268	176	247	2012	2012	NUM
ajfa-6268	176	248	)	)	PUNCT
ajfa-6268	176	249	the	the	DET
ajfa-6268	176	250	summary	summary	NOUN
ajfa-6268	176	251	statistics	statistic	NOUN
ajfa-6268	176	252	for	for	ADP
ajfa-6268	176	253	the	the	DET
ajfa-6268	176	254	variables	variable	NOUN
ajfa-6268	176	255	:	:	PUNCT
ajfa-6268	176	256	roe	roe	NOUN
ajfa-6268	176	257	,	,	PUNCT
ajfa-6268	176	258	atm	atm	PROPN
ajfa-6268	176	259	,	,	PUNCT
ajfa-6268	176	260	pos	pos	NOUN
ajfa-6268	176	261	,	,	PUNCT
ajfa-6268	176	262	and	and	CCONJ
ajfa-6268	176	263	wbt	wbt	PROPN
ajfa-6268	176	264	are	be	AUX
ajfa-6268	176	265	as	as	SCONJ
ajfa-6268	176	266	shown	show	VERB
ajfa-6268	176	267	in	in	ADP
ajfa-6268	176	268	table	table	NOUN
ajfa-6268	176	269	3	3	NUM
ajfa-6268	176	270	.	.	PUNCT
ajfa-6268	177	1	the	the	DET
ajfa-6268	177	2	mean	mean	NOUN
ajfa-6268	177	3	for	for	ADP
ajfa-6268	177	4	roe	roe	PROPN
ajfa-6268	177	5	,	,	PUNCT
ajfa-6268	177	6	atm	atm	PROPN
ajfa-6268	177	7	,	,	PUNCT
ajfa-6268	177	8	pos	pos	NOUN
ajfa-6268	177	9	,	,	PUNCT
ajfa-6268	177	10	and	and	CCONJ
ajfa-6268	177	11	wbt	wbt	PROPN
ajfa-6268	177	12	are	be	AUX
ajfa-6268	177	13	different	different	ADJ
ajfa-6268	177	14	.	.	PUNCT
ajfa-6268	178	1	this	this	PRON
ajfa-6268	178	2	indicates	indicate	VERB
ajfa-6268	178	3	that	that	SCONJ
ajfa-6268	178	4	the	the	DET
ajfa-6268	178	5	variables	variable	NOUN
ajfa-6268	178	6	exhibit	exhibit	VERB
ajfa-6268	178	7	significant	significant	ADJ
ajfa-6268	178	8	variation	variation	NOUN
ajfa-6268	178	9	in	in	ADP
ajfa-6268	178	10	terms	term	NOUN
ajfa-6268	178	11	of	of	ADP
ajfa-6268	178	12	magnitude	magnitude	NOUN
ajfa-6268	178	13	,	,	PUNCT
ajfa-6268	178	14	suggesting	suggest	VERB
ajfa-6268	178	15	that	that	SCONJ
ajfa-6268	178	16	estimation	estimation	NOUN
ajfa-6268	178	17	in	in	ADP
ajfa-6268	178	18	levels	level	NOUN
ajfa-6268	178	19	will	will	AUX
ajfa-6268	178	20	not	not	PART
ajfa-6268	178	21	introduce	introduce	VERB
ajfa-6268	178	22	some	some	DET
ajfa-6268	178	23	bias	bias	NOUN
ajfa-6268	178	24	in	in	ADP
ajfa-6268	178	25	the	the	DET
ajfa-6268	178	26	results	result	NOUN
ajfa-6268	178	27	.	.	PUNCT
ajfa-6268	179	1	the	the	DET
ajfa-6268	179	2	jarque	jarque	NOUN
ajfa-6268	179	3	-	-	PUNCT
ajfa-6268	179	4	bera	bera	NOUN
ajfa-6268	179	5	statistics	statistic	NOUN
ajfa-6268	179	6	for	for	ADP
ajfa-6268	179	7	two	two	NUM
ajfa-6268	179	8	of	of	ADP
ajfa-6268	179	9	the	the	DET
ajfa-6268	179	10	variables	variable	NOUN
ajfa-6268	179	11	(	(	PUNCT
ajfa-6268	179	12	roe	roe	NOUN
ajfa-6268	179	13	and	and	CCONJ
ajfa-6268	179	14	pos	pos	PROPN
ajfa-6268	179	15	)	)	PUNCT
ajfa-6268	179	16	are	be	AUX
ajfa-6268	179	17	significant	significant	ADJ
ajfa-6268	179	18	;	;	PUNCT
ajfa-6268	179	19	hence	hence	ADV
ajfa-6268	179	20	we	we	PRON
ajfa-6268	179	21	reject	reject	VERB
ajfa-6268	179	22	the	the	DET
ajfa-6268	179	23	null	null	ADJ
ajfa-6268	179	24	hypothesis	hypothesis	NOUN
ajfa-6268	179	25	and	and	CCONJ
ajfa-6268	179	26	conclude	conclude	VERB
ajfa-6268	179	27	that	that	SCONJ
ajfa-6268	179	28	the	the	DET
ajfa-6268	179	29	two	two	NUM
ajfa-6268	179	30	series	series	NOUN
ajfa-6268	179	31	are	be	AUX
ajfa-6268	179	32	normally	normally	ADV
ajfa-6268	179	33	distributed	distribute	VERB
ajfa-6268	179	34	(	(	PUNCT
ajfa-6268	179	35	or	or	CCONJ
ajfa-6268	179	36	have	have	VERB
ajfa-6268	179	37	a	a	DET
ajfa-6268	179	38	normal	normal	ADJ
ajfa-6268	179	39	distribution	distribution	NOUN
ajfa-6268	179	40	)	)	PUNCT
ajfa-6268	179	41	.	.	PUNCT
ajfa-6268	180	1	however	however	ADV
ajfa-6268	180	2	,	,	PUNCT
ajfa-6268	180	3	those	those	PRON
ajfa-6268	180	4	of	of	ADP
ajfa-6268	180	5	atm	atm	NOUN
ajfa-6268	180	6	and	and	CCONJ
ajfa-6268	180	7	wbt	wbt	PROPN
ajfa-6268	180	8	were	be	AUX
ajfa-6268	180	9	found	find	VERB
ajfa-6268	180	10	not	not	PART
ajfa-6268	180	11	to	to	PART
ajfa-6268	180	12	be	be	AUX
ajfa-6268	180	13	significant	significant	ADJ
ajfa-6268	180	14	(	(	PUNCT
ajfa-6268	180	15	or	or	CCONJ
ajfa-6268	180	16	abnormally	abnormally	ADV
ajfa-6268	180	17	distributed	distribute	VERB
ajfa-6268	180	18	)	)	PUNCT
ajfa-6268	180	19	.	.	PUNCT
ajfa-6268	181	1	asian	asian	ADJ
ajfa-6268	181	2	journal	journal	PROPN
ajfa-6268	181	3	of	of	ADP
ajfa-6268	181	4	finance	finance	PROPN
ajfa-6268	181	5	&	&	CCONJ
ajfa-6268	181	6	accounting	accounting	PROPN
ajfa-6268	181	7	issn	issn	PROPN
ajfa-6268	181	8	1946	1946	NUM
ajfa-6268	181	9	-	-	PUNCT
ajfa-6268	181	10	052x	052x	PROPN
ajfa-6268	181	11	2014	2014	NUM
ajfa-6268	181	12	,	,	PUNCT
ajfa-6268	181	13	vol	vol	NOUN
ajfa-6268	181	14	.	.	PROPN
ajfa-6268	181	15	6	6	NUM
ajfa-6268	181	16	,	,	PUNCT
ajfa-6268	181	17	no	no	INTJ
ajfa-6268	181	18	.	.	NOUN
ajfa-6268	181	19	2	2	NUM
ajfa-6268	181	20	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-6268	181	21	372	372	NUM
ajfa-6268	181	22	table	table	NOUN
ajfa-6268	181	23	3	3	NUM
ajfa-6268	181	24	.	.	PUNCT
ajfa-6268	181	25	descriptive	descriptive	ADJ
ajfa-6268	181	26	statistics	statistic	NOUN
ajfa-6268	181	27	roe	roe	PROPN
ajfa-6268	181	28	atm	atm	PROPN
ajfa-6268	181	29	pos	pos	PROPN
ajfa-6268	181	30	wbt	wbt	PROPN
ajfa-6268	181	31	mean	mean	VERB
ajfa-6268	181	32	3430101	3430101	NUM
ajfa-6268	181	33	.	.	PUNCT
ajfa-6268	182	1	34786452	34786452	NUM
ajfa-6268	182	2	299794.3	299794.3	NUM
ajfa-6268	182	3	346138.8	346138.8	NUM
ajfa-6268	182	4	median	median	NOUN
ajfa-6268	182	5	1098196	1098196	NUM
ajfa-6268	182	6	.	.	PUNCT
ajfa-6268	183	1	20589334	20589334	NUM
ajfa-6268	183	2	245891.0	245891.0	NUM
ajfa-6268	183	3	342453.5	342453.5	NUM
ajfa-6268	183	4	maximum	maximum	ADJ
ajfa-6268	183	5	17522858	17522858	NUM
ajfa-6268	183	6	1.02e+08	1.02e+08	NUM
ajfa-6268	183	7	1183394	1183394	NUM
ajfa-6268	183	8	.	.	PUNCT
ajfa-6268	184	1	723755.0	723755.0	NUM
ajfa-6268	184	2	minimum	minimum	NOUN
ajfa-6268	184	3	47198.40	47198.40	NUM
ajfa-6268	184	4	1633957.0	1633957.0	NUM
ajfa-6268	184	5	5138.000	5138.000	NUM
ajfa-6268	184	6	49219.00	49219.00	NUM
ajfa-6268	184	7	std	std	NOUN
ajfa-6268	184	8	.	.	PUNCT
ajfa-6268	184	9	dev	dev	PROPN
ajfa-6268	184	10	.	.	PROPN
ajfa-6268	184	11	5341535	5341535	NUM
ajfa-6268	184	12	.	.	PUNCT
ajfa-6268	185	1	37000918	37000918	NUM
ajfa-6268	186	1	261088.0	261088.0	NUM
ajfa-6268	186	2	202559.6	202559.6	NUM
ajfa-6268	186	3	skewness	skewness	NOUN
ajfa-6268	186	4	1.849943	1.849943	NUM
ajfa-6268	186	5	0.809455	0.809455	NUM
ajfa-6268	186	6	1.608112	1.608112	NUM
ajfa-6268	186	7	0.122442	0.122442	NUM
ajfa-6268	186	8	kurtosis	kurtosis	VERB
ajfa-6268	186	9	4.996807	4.996807	NUM
ajfa-6268	186	10	1.914819	1.914819	NUM
ajfa-6268	186	11	6.006682	6.006682	NUM
ajfa-6268	186	12	2.207571	2.207571	NUM
ajfa-6268	186	13	jarque	jarque	NOUN
ajfa-6268	186	14	-	-	PUNCT
ajfa-6268	186	15	bera	bera	NOUN
ajfa-6268	186	16	20.62245	20.62245	NUM
ajfa-6268	186	17	4.431565	4.431565	NUM
ajfa-6268	186	18	22.61494	22.61494	NUM
ajfa-6268	186	19	0.802563	0.802563	NUM
ajfa-6268	186	20	probability	probability	NOUN
ajfa-6268	186	21	0.000033	0.000033	NUM
ajfa-6268	186	22	0.109068	0.109068	NUM
ajfa-6268	186	23	0.000012	0.000012	NUM
ajfa-6268	186	24	0.669461	0.669461	NUM
ajfa-6268	186	25	sum	sum	NOUN
ajfa-6268	186	26	96042837	96042837	NUM
ajfa-6268	186	27	9.74e+08	9.74e+08	NUM
ajfa-6268	186	28	8394239	8394239	NUM
ajfa-6268	186	29	.	.	PUNCT
ajfa-6268	187	1	9691887	9691887	NUM
ajfa-6268	187	2	.	.	PUNCT
ajfa-6268	188	1	sum	sum	PROPN
ajfa-6268	188	2	sq	sq	PROPN
ajfa-6268	188	3	.	.	PROPN
ajfa-6268	188	4	dev	dev	PROPN
ajfa-6268	188	5	.	.	PUNCT
ajfa-6268	189	1	7.70e+14	7.70e+14	NUM
ajfa-6268	189	2	3.70e+16	3.70e+16	NUM
ajfa-6268	189	3	1.84e+12	1.84e+12	NUM
ajfa-6268	189	4	1.11e+12	1.11e+12	NUM
ajfa-6268	189	5	observations	observation	NOUN
ajfa-6268	189	6	28	28	NUM
ajfa-6268	189	7	28	28	NUM
ajfa-6268	189	8	28	28	NUM
ajfa-6268	189	9	28	28	NUM
ajfa-6268	189	10	source	source	NOUN
ajfa-6268	189	11	:	:	PUNCT
ajfa-6268	189	12	author	author	NOUN
ajfa-6268	189	13	’s	’s	PART
ajfa-6268	189	14	computation	computation	NOUN
ajfa-6268	189	15	,	,	PUNCT
ajfa-6268	189	16	2014	2014	NUM
ajfa-6268	189	17	(	(	PUNCT
ajfa-6268	189	18	eview-7.0	eview-7.0	NOUN
ajfa-6268	189	19	)	)	PUNCT
ajfa-6268	189	20	4.2	4.2	NUM
ajfa-6268	189	21	model	model	NOUN
ajfa-6268	189	22	estimation	estimation	NOUN
ajfa-6268	189	23	and	and	CCONJ
ajfa-6268	189	24	interpretation	interpretation	NOUN
ajfa-6268	189	25	re	re	VERB
ajfa-6268	189	26	-	-	VERB
ajfa-6268	189	27	stating	state	VERB
ajfa-6268	189	28	our	our	PRON
ajfa-6268	189	29	regression	regression	NOUN
ajfa-6268	189	30	model	model	NOUN
ajfa-6268	189	31	(	(	PUNCT
ajfa-6268	189	32	see	see	VERB
ajfa-6268	189	33	equation	equation	NOUN
ajfa-6268	189	34	3	3	NUM
ajfa-6268	189	35	)	)	PUNCT
ajfa-6268	189	36	,	,	PUNCT
ajfa-6268	189	37	we	we	PRON
ajfa-6268	189	38	have	have	AUX
ajfa-6268	189	39	:	:	PUNCT
ajfa-6268	189	40	1	1	NUM
ajfa-6268	189	41	2	2	NUM
ajfa-6268	189	42	3log	3log	NUM
ajfa-6268	189	43	log	log	NOUN
ajfa-6268	189	44	log	log	NOUN
ajfa-6268	189	45	log	log	NOUN
ajfa-6268	189	46	log	log	NOUN
ajfa-6268	189	47	7troe	7troe	PROPN
ajfa-6268	189	48	atm	atm	NOUN
ajfa-6268	189	49	pos	pos	NOUN
ajfa-6268	189	50	wbtα	wbtα	ADJ
ajfa-6268	189	51	β	β	X
ajfa-6268	189	52	β	β	X
ajfa-6268	189	53	β	β	X
ajfa-6268	189	54	μ=	μ=	NOUN
ajfa-6268	189	55	+	+	PUNCT
ajfa-6268	190	1	+	+	PUNCT
ajfa-6268	190	2	+	+	PUNCT
ajfa-6268	191	1	+	+	NUM
ajfa-6268	191	2	−	−	ADP
ajfa-6268	191	3	−	−	NUM
ajfa-6268	191	4	−	−	NOUN
ajfa-6268	191	5	−	−	PROPN
ajfa-6268	191	6	−	−	PROPN
ajfa-6268	191	7	−	−	PROPN
ajfa-6268	191	8	−	−	PROPN
ajfa-6268	192	1	−	−	PROPN
ajfa-6268	193	1	−	−	PROPN
ajfa-6268	193	2	the	the	DET
ajfa-6268	193	3	regression	regression	NOUN
ajfa-6268	193	4	result	result	NOUN
ajfa-6268	193	5	is	be	AUX
ajfa-6268	193	6	presented	present	VERB
ajfa-6268	193	7	in	in	ADP
ajfa-6268	193	8	table	table	NOUN
ajfa-6268	193	9	4	4	NUM
ajfa-6268	193	10	.	.	PUNCT
ajfa-6268	193	11	asian	asian	ADJ
ajfa-6268	193	12	journal	journal	PROPN
ajfa-6268	193	13	of	of	ADP
ajfa-6268	193	14	finance	finance	PROPN
ajfa-6268	193	15	&	&	CCONJ
ajfa-6268	193	16	accounting	accounting	PROPN
ajfa-6268	193	17	issn	issn	PROPN
ajfa-6268	193	18	1946	1946	NUM
ajfa-6268	193	19	-	-	PUNCT
ajfa-6268	193	20	052x	052x	PROPN
ajfa-6268	193	21	2014	2014	NUM
ajfa-6268	193	22	,	,	PUNCT
ajfa-6268	193	23	vol	vol	NOUN
ajfa-6268	193	24	.	.	PROPN
ajfa-6268	194	1	6	6	NUM
ajfa-6268	194	2	,	,	PUNCT
ajfa-6268	194	3	no	no	INTJ
ajfa-6268	194	4	.	.	NOUN
ajfa-6268	194	5	2	2	NUM
ajfa-6268	194	6	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-6268	194	7	373	373	NUM
ajfa-6268	194	8	table	table	NOUN
ajfa-6268	194	9	4	4	NUM
ajfa-6268	194	10	.	.	PUNCT
ajfa-6268	195	1	regression	regression	NOUN
ajfa-6268	195	2	analysis	analysis	NOUN
ajfa-6268	195	3	result	result	VERB
ajfa-6268	195	4	dependent	dependent	ADJ
ajfa-6268	195	5	variable	variable	NOUN
ajfa-6268	195	6	:	:	PUNCT
ajfa-6268	195	7	roe	roe	NOUN
ajfa-6268	195	8	method	method	NOUN
ajfa-6268	195	9	:	:	PUNCT
ajfa-6268	195	10	least	least	ADJ
ajfa-6268	195	11	squares	square	NOUN
ajfa-6268	195	12	date	date	NOUN
ajfa-6268	195	13	:	:	PUNCT
ajfa-6268	195	14	06/06/14	06/06/14	NUM
ajfa-6268	195	15	time	time	NOUN
ajfa-6268	195	16	:	:	PUNCT
ajfa-6268	195	17	11:12	11:12	NUM
ajfa-6268	195	18	sample	sample	NOUN
ajfa-6268	195	19	:	:	PUNCT
ajfa-6268	195	20	2006q1	2006q1	NUM
ajfa-6268	195	21	2012q4	2012q4	NUM
ajfa-6268	195	22	included	include	VERB
ajfa-6268	195	23	observations	observation	NOUN
ajfa-6268	195	24	:	:	PUNCT
ajfa-6268	195	25	28	28	NUM
ajfa-6268	195	26	variable	variable	ADJ
ajfa-6268	195	27	coefficient	coefficient	NOUN
ajfa-6268	195	28	std	std	NOUN
ajfa-6268	195	29	.	.	NOUN
ajfa-6268	195	30	error	error	NOUN
ajfa-6268	195	31	t	t	NOUN
ajfa-6268	195	32	-	-	PUNCT
ajfa-6268	195	33	statistic	statistic	NOUN
ajfa-6268	195	34	prob	prob	NOUN
ajfa-6268	195	35	.	.	PUNCT
ajfa-6268	196	1	c	c	PROPN
ajfa-6268	196	2	-1130697.0	-1130697.0	PROPN
ajfa-6268	196	3	1170672.0	1170672.0	NUM
ajfa-6268	196	4	-0.965853	-0.965853	NOUN
ajfa-6268	196	5	0.3438	0.3438	NUM
ajfa-6268	196	6	atm	atm	NOUN
ajfa-6268	196	7	0.091220	0.091220	NUM
ajfa-6268	196	8	0.027361	0.027361	NUM
ajfa-6268	196	9	3.333989	3.333989	NUM
ajfa-6268	196	10	0.0028	0.0028	NUM
ajfa-6268	196	11	pos	pos	NOUN
ajfa-6268	196	12	5.973324	5.973324	NUM
ajfa-6268	196	13	3.713643	3.713643	NUM
ajfa-6268	196	14	1.608481	1.608481	NUM
ajfa-6268	196	15	0.1208	0.1208	NUM
ajfa-6268	196	16	wbt	wbt	PROPN
ajfa-6268	196	17	-1.164840	-1.164840	NOUN
ajfa-6268	196	18	4.204962	4.204962	NUM
ajfa-6268	196	19	-0.277015	-0.277015	NOUN
ajfa-6268	197	1	0.7841	0.7841	NUM
ajfa-6268	197	2	r	r	NOUN
ajfa-6268	197	3	-	-	PUNCT
ajfa-6268	197	4	squared	square	VERB
ajfa-6268	197	5	0.719006	0.719006	NUM
ajfa-6268	197	6	mean	mean	NOUN
ajfa-6268	197	7	dependent	dependent	ADJ
ajfa-6268	197	8	var	var	NOUN
ajfa-6268	197	9	3430101.0	3430101.0	NUM
ajfa-6268	197	10	adjusted	adjusted	ADJ
ajfa-6268	197	11	r	r	NOUN
ajfa-6268	197	12	-	-	PUNCT
ajfa-6268	197	13	squared	square	VERB
ajfa-6268	197	14	0.683882	0.683882	NUM
ajfa-6268	197	15	s.d	s.d	PROPN
ajfa-6268	197	16	.	.	PUNCT
ajfa-6268	197	17	dependent	dependent	ADJ
ajfa-6268	197	18	var	var	NOUN
ajfa-6268	197	19	5341535.0	5341535.0	NUM
ajfa-6268	197	20	s.e	s.e	PROPN
ajfa-6268	197	21	.	.	PROPN
ajfa-6268	197	22	of	of	ADP
ajfa-6268	197	23	regression	regression	NOUN
ajfa-6268	197	24	3003244.0	3003244.0	NUM
ajfa-6268	197	25	akaike	akaike	ADJ
ajfa-6268	197	26	info	info	NOUN
ajfa-6268	197	27	criterion	criterion	NOUN
ajfa-6268	197	28	32.79985	32.79985	NUM
ajfa-6268	197	29	sum	sum	NOUN
ajfa-6268	197	30	squared	square	VERB
ajfa-6268	197	31	resid	resid	NOUN
ajfa-6268	197	32	2.16e+14	2.16e+14	NUM
ajfa-6268	197	33	schwarz	schwarz	PROPN
ajfa-6268	197	34	criterion	criterion	NOUN
ajfa-6268	197	35	32.99016	32.99016	NUM
ajfa-6268	197	36	log	log	NOUN
ajfa-6268	197	37	likelihood	likelihood	NOUN
ajfa-6268	197	38	-455.1979	-455.1979	PUNCT
ajfa-6268	197	39	hannan	hannan	PROPN
ajfa-6268	197	40	-	-	PUNCT
ajfa-6268	197	41	quinn	quinn	PROPN
ajfa-6268	197	42	criter	criter	NOUN
ajfa-6268	197	43	.	.	PUNCT
ajfa-6268	198	1	32.85803	32.85803	NUM
ajfa-6268	199	1	f	f	X
ajfa-6268	199	2	-	-	PUNCT
ajfa-6268	199	3	statistic	statistic	ADJ
ajfa-6268	199	4	20.47038	20.47038	NUM
ajfa-6268	199	5	durbin	durbin	ADJ
ajfa-6268	199	6	-	-	PUNCT
ajfa-6268	199	7	watson	watson	NOUN
ajfa-6268	199	8	stat	stat	PROPN
ajfa-6268	199	9	0.523129	0.523129	NUM
ajfa-6268	199	10	prob(f	prob(f	NOUN
ajfa-6268	199	11	-	-	PUNCT
ajfa-6268	199	12	statistic	statistic	NOUN
ajfa-6268	199	13	)	)	PUNCT
ajfa-6268	199	14	0.000001	0.000001	NUM
ajfa-6268	199	15	4.3	4.3	NUM
ajfa-6268	199	16	discussion	discussion	NOUN
ajfa-6268	199	17	of	of	ADP
ajfa-6268	199	18	results	result	NOUN
ajfa-6268	199	19	the	the	DET
ajfa-6268	199	20	regression	regression	NOUN
ajfa-6268	199	21	model	model	NOUN
ajfa-6268	199	22	result	result	NOUN
ajfa-6268	199	23	in	in	ADP
ajfa-6268	199	24	table	table	NOUN
ajfa-6268	199	25	4.4	4.4	NUM
ajfa-6268	199	26	indicates	indicate	VERB
ajfa-6268	199	27	that	that	SCONJ
ajfa-6268	199	28	the	the	DET
ajfa-6268	199	29	r2	r2	PROPN
ajfa-6268	199	30	(	(	PUNCT
ajfa-6268	199	31	r	r	NOUN
ajfa-6268	199	32	-	-	PUNCT
ajfa-6268	199	33	squared	square	VERB
ajfa-6268	199	34	)	)	PUNCT
ajfa-6268	199	35	approximately	approximately	ADV
ajfa-6268	199	36	71.90percent	71.90percent	NUM
ajfa-6268	199	37	,	,	PUNCT
ajfa-6268	199	38	and	and	CCONJ
ajfa-6268	199	39	this	this	PRON
ajfa-6268	199	40	shows	show	VERB
ajfa-6268	199	41	a	a	DET
ajfa-6268	199	42	very	very	ADV
ajfa-6268	199	43	good	good	ADJ
ajfa-6268	199	44	fit	fit	NOUN
ajfa-6268	199	45	,	,	PUNCT
ajfa-6268	199	46	meaning	mean	VERB
ajfa-6268	199	47	that	that	SCONJ
ajfa-6268	199	48	there	there	PRON
ajfa-6268	199	49	is	be	VERB
ajfa-6268	199	50	a	a	DET
ajfa-6268	199	51	strong	strong	ADJ
ajfa-6268	199	52	relationship	relationship	NOUN
ajfa-6268	199	53	between	between	ADP
ajfa-6268	199	54	the	the	DET
ajfa-6268	199	55	variables	variable	NOUN
ajfa-6268	199	56	used	use	VERB
ajfa-6268	199	57	.	.	PUNCT
ajfa-6268	200	1	thus	thus	ADV
ajfa-6268	200	2	,	,	PUNCT
ajfa-6268	200	3	it	it	PRON
ajfa-6268	200	4	shows	show	VERB
ajfa-6268	200	5	that	that	SCONJ
ajfa-6268	200	6	71.90	71.90	NUM
ajfa-6268	200	7	percent	percent	NOUN
ajfa-6268	200	8	(	(	PUNCT
ajfa-6268	200	9	71.90	71.90	NUM
ajfa-6268	200	10	%	%	NOUN
ajfa-6268	200	11	)	)	PUNCT
ajfa-6268	200	12	changes	change	NOUN
ajfa-6268	200	13	or	or	CCONJ
ajfa-6268	200	14	variation	variation	NOUN
ajfa-6268	200	15	in	in	ADP
ajfa-6268	200	16	roe	roe	PROPN
ajfa-6268	200	17	is	be	AUX
ajfa-6268	200	18	explained	explain	VERB
ajfa-6268	200	19	by	by	ADP
ajfa-6268	200	20	atm	atm	PROPN
ajfa-6268	200	21	,	,	PUNCT
ajfa-6268	200	22	pos	pos	NOUN
ajfa-6268	200	23	and	and	CCONJ
ajfa-6268	200	24	ibt	ibt	NOUN
ajfa-6268	200	25	,	,	PUNCT
ajfa-6268	200	26	leaving	leave	VERB
ajfa-6268	200	27	28.1	28.1	NUM
ajfa-6268	200	28	percent	percent	NOUN
ajfa-6268	200	29	(	(	PUNCT
ajfa-6268	200	30	29.1	29.1	NUM
ajfa-6268	200	31	%	%	NOUN
ajfa-6268	200	32	)	)	PUNCT
ajfa-6268	200	33	changes	change	NOUN
ajfa-6268	200	34	or	or	CCONJ
ajfa-6268	200	35	variations	variation	NOUN
ajfa-6268	200	36	in	in	ADP
ajfa-6268	200	37	roe	roe	PROPN
ajfa-6268	200	38	to	to	ADP
ajfa-6268	200	39	the	the	DET
ajfa-6268	200	40	(	(	PUNCT
ajfa-6268	200	41	white	white	ADJ
ajfa-6268	200	42	noise	noise	NOUN
ajfa-6268	200	43	)	)	PUNCT
ajfa-6268	200	44	error	error	NOUN
ajfa-6268	200	45	term	term	NOUN
ajfa-6268	200	46	.	.	PUNCT
ajfa-6268	201	1	the	the	DET
ajfa-6268	201	2	goodness	goodness	NOUN
ajfa-6268	201	3	of	of	ADP
ajfa-6268	201	4	fit	fit	ADJ
ajfa-6268	201	5	result	result	NOUN
ajfa-6268	201	6	thus	thus	ADV
ajfa-6268	201	7	shows	show	VERB
ajfa-6268	201	8	that	that	SCONJ
ajfa-6268	201	9	there	there	PRON
ajfa-6268	201	10	is	be	VERB
ajfa-6268	201	11	a	a	DET
ajfa-6268	201	12	strong	strong	ADJ
ajfa-6268	201	13	positive	positive	ADJ
ajfa-6268	201	14	impact	impact	NOUN
ajfa-6268	201	15	of	of	ADP
ajfa-6268	201	16	cashless	cashless	NOUN
ajfa-6268	201	17	banks	bank	NOUN
ajfa-6268	201	18	profitability	profitability	NOUN
ajfa-6268	201	19	.	.	PUNCT
ajfa-6268	202	1	the	the	DET
ajfa-6268	202	2	f	f	PROPN
ajfa-6268	202	3	-	-	PUNCT
ajfa-6268	202	4	statistics	statistic	NOUN
ajfa-6268	202	5	which	which	PRON
ajfa-6268	202	6	measures	measure	VERB
ajfa-6268	202	7	the	the	DET
ajfa-6268	202	8	overall	overall	ADJ
ajfa-6268	202	9	significance	significance	NOUN
ajfa-6268	202	10	of	of	ADP
ajfa-6268	202	11	the	the	DET
ajfa-6268	202	12	model	model	NOUN
ajfa-6268	202	13	shows	show	VERB
ajfa-6268	202	14	that	that	SCONJ
ajfa-6268	202	15	we	we	PRON
ajfa-6268	202	16	can	can	AUX
ajfa-6268	202	17	not	not	PART
ajfa-6268	202	18	reject	reject	VERB
ajfa-6268	202	19	the	the	DET
ajfa-6268	202	20	alternative	alternative	ADJ
ajfa-6268	202	21	hypothesis	hypothesis	NOUN
ajfa-6268	202	22	.	.	PUNCT
ajfa-6268	203	1	the	the	DET
ajfa-6268	203	2	f	f	PROPN
ajfa-6268	203	3	-	-	PUNCT
ajfa-6268	203	4	statistics	statistic	NOUN
ajfa-6268	203	5	shows	show	VERB
ajfa-6268	203	6	that	that	SCONJ
ajfa-6268	203	7	the	the	DET
ajfa-6268	203	8	model	model	NOUN
ajfa-6268	203	9	is	be	AUX
ajfa-6268	203	10	statistically	statistically	ADV
ajfa-6268	203	11	significant	significant	ADJ
ajfa-6268	203	12	,	,	PUNCT
ajfa-6268	203	13	and	and	CCONJ
ajfa-6268	203	14	as	as	ADP
ajfa-6268	203	15	such	such	ADJ
ajfa-6268	203	16	,	,	PUNCT
ajfa-6268	203	17	we	we	PRON
ajfa-6268	203	18	state	state	VERB
ajfa-6268	203	19	that	that	SCONJ
ajfa-6268	203	20	cashless	cashless	NOUN
ajfa-6268	203	21	banking	banking	NOUN
ajfa-6268	203	22	has	have	VERB
ajfa-6268	203	23	a	a	DET
ajfa-6268	203	24	significant	significant	ADJ
ajfa-6268	203	25	influence	influence	NOUN
ajfa-6268	203	26	on	on	ADP
ajfa-6268	203	27	banks	bank	NOUN
ajfa-6268	203	28	profitability	profitability	NOUN
ajfa-6268	203	29	in	in	ADP
ajfa-6268	203	30	nigeria	nigeria	PROPN
ajfa-6268	203	31	from	from	ADP
ajfa-6268	203	32	the	the	DET
ajfa-6268	203	33	above	above	ADJ
ajfa-6268	203	34	result	result	NOUN
ajfa-6268	203	35	it	it	PRON
ajfa-6268	203	36	was	be	AUX
ajfa-6268	203	37	observed	observe	VERB
ajfa-6268	203	38	that	that	SCONJ
ajfa-6268	203	39	atm	atm	NOUN
ajfa-6268	203	40	and	and	CCONJ
ajfa-6268	203	41	pos	pos	NOUN
ajfa-6268	203	42	are	be	AUX
ajfa-6268	203	43	positively	positively	ADV
ajfa-6268	203	44	related	relate	VERB
ajfa-6268	203	45	to	to	ADP
ajfa-6268	203	46	roe	roe	NOUN
ajfa-6268	203	47	,	,	PUNCT
ajfa-6268	203	48	while	while	SCONJ
ajfa-6268	203	49	wbt	wbt	PROPN
ajfa-6268	203	50	related	relate	VERB
ajfa-6268	203	51	negatively	negatively	ADV
ajfa-6268	203	52	with	with	ADP
ajfa-6268	203	53	roe	roe	NOUN
ajfa-6268	203	54	.	.	PUNCT
ajfa-6268	204	1	the	the	DET
ajfa-6268	204	2	atm	atm	NOUN
ajfa-6268	204	3	was	be	AUX
ajfa-6268	204	4	also	also	ADV
ajfa-6268	204	5	found	find	VERB
ajfa-6268	204	6	to	to	PART
ajfa-6268	204	7	be	be	AUX
ajfa-6268	204	8	statistically	statistically	ADV
ajfa-6268	204	9	significant	significant	ADJ
ajfa-6268	204	10	.	.	PUNCT
ajfa-6268	205	1	this	this	PRON
ajfa-6268	205	2	is	be	AUX
ajfa-6268	205	3	because	because	SCONJ
ajfa-6268	205	4	,	,	PUNCT
ajfa-6268	205	5	with	with	ADP
ajfa-6268	205	6	the	the	DET
ajfa-6268	205	7	introduction	introduction	NOUN
ajfa-6268	205	8	of	of	ADP
ajfa-6268	205	9	cashless	cashless	NOUN
ajfa-6268	205	10	banking	banking	NOUN
ajfa-6268	205	11	policy	policy	NOUN
ajfa-6268	205	12	,	,	PUNCT
ajfa-6268	205	13	a	a	DET
ajfa-6268	205	14	lot	lot	NOUN
ajfa-6268	205	15	of	of	ADP
ajfa-6268	205	16	transactions	transaction	NOUN
ajfa-6268	205	17	has	have	AUX
ajfa-6268	205	18	been	be	AUX
ajfa-6268	205	19	made	make	VERB
ajfa-6268	205	20	with	with	ADP
ajfa-6268	205	21	the	the	DET
ajfa-6268	205	22	use	use	NOUN
ajfa-6268	205	23	of	of	ADP
ajfa-6268	205	24	atm	atm	NOUN
ajfa-6268	205	25	,	,	PUNCT
ajfa-6268	205	26	and	and	CCONJ
ajfa-6268	205	27	has	have	AUX
ajfa-6268	205	28	contributed	contribute	VERB
ajfa-6268	205	29	positively	positively	ADV
ajfa-6268	205	30	with	with	ADP
ajfa-6268	205	31	the	the	DET
ajfa-6268	205	32	performance	performance	NOUN
ajfa-6268	205	33	of	of	ADP
ajfa-6268	205	34	banks	bank	NOUN
ajfa-6268	205	35	in	in	ADP
ajfa-6268	205	36	the	the	DET
ajfa-6268	205	37	country	country	NOUN
ajfa-6268	205	38	.	.	PUNCT
ajfa-6268	206	1	an	an	DET
ajfa-6268	206	2	easy	easy	ADJ
ajfa-6268	206	3	cash	cash	NOUN
ajfa-6268	206	4	withdrawal	withdrawal	NOUN
ajfa-6268	206	5	promotes	promote	VERB
ajfa-6268	206	6	trading	trading	NOUN
ajfa-6268	206	7	activities	activity	NOUN
ajfa-6268	206	8	within	within	ADP
ajfa-6268	206	9	the	the	DET
ajfa-6268	206	10	banking	banking	NOUN
ajfa-6268	206	11	sector	sector	NOUN
ajfa-6268	206	12	and	and	CCONJ
ajfa-6268	206	13	had	have	AUX
ajfa-6268	206	14	improved	improve	VERB
ajfa-6268	206	15	the	the	DET
ajfa-6268	206	16	roe	roe	NOUN
ajfa-6268	206	17	of	of	ADP
ajfa-6268	206	18	the	the	DET
ajfa-6268	206	19	commercial	commercial	ADJ
ajfa-6268	206	20	banks	bank	NOUN
ajfa-6268	206	21	in	in	ADP
ajfa-6268	206	22	the	the	DET
ajfa-6268	206	23	country	country	NOUN
ajfa-6268	206	24	.	.	PUNCT
ajfa-6268	207	1	asian	asian	ADJ
ajfa-6268	207	2	journal	journal	PROPN
ajfa-6268	207	3	of	of	ADP
ajfa-6268	207	4	finance	finance	PROPN
ajfa-6268	207	5	&	&	CCONJ
ajfa-6268	207	6	accounting	accounting	PROPN
ajfa-6268	207	7	issn	issn	PROPN
ajfa-6268	207	8	1946	1946	NUM
ajfa-6268	207	9	-	-	PUNCT
ajfa-6268	207	10	052x	052x	PROPN
ajfa-6268	207	11	2014	2014	NUM
ajfa-6268	207	12	,	,	PUNCT
ajfa-6268	207	13	vol	vol	NOUN
ajfa-6268	207	14	.	.	PROPN
ajfa-6268	208	1	6	6	NUM
ajfa-6268	208	2	,	,	PUNCT
ajfa-6268	208	3	no	no	INTJ
ajfa-6268	208	4	.	.	NOUN
ajfa-6268	208	5	2	2	NUM
ajfa-6268	208	6	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NOUN
ajfa-6268	208	7	374	374	NUM
ajfa-6268	208	8	even	even	ADV
ajfa-6268	208	9	though	though	SCONJ
ajfa-6268	208	10	pos	pos	NOUN
ajfa-6268	208	11	was	be	AUX
ajfa-6268	208	12	found	find	VERB
ajfa-6268	208	13	to	to	PART
ajfa-6268	208	14	be	be	AUX
ajfa-6268	208	15	positively	positively	ADV
ajfa-6268	208	16	related	relate	VERB
ajfa-6268	208	17	with	with	ADP
ajfa-6268	208	18	roe	roe	NOUN
ajfa-6268	208	19	,	,	PUNCT
ajfa-6268	208	20	it	it	PRON
ajfa-6268	208	21	was	be	AUX
ajfa-6268	208	22	however	however	ADV
ajfa-6268	208	23	found	find	VERB
ajfa-6268	208	24	to	to	PART
ajfa-6268	208	25	be	be	AUX
ajfa-6268	208	26	statistically	statistically	ADV
ajfa-6268	208	27	insignificant	insignificant	ADJ
ajfa-6268	208	28	.	.	PUNCT
ajfa-6268	209	1	this	this	PRON
ajfa-6268	209	2	is	be	AUX
ajfa-6268	209	3	because	because	SCONJ
ajfa-6268	209	4	proper	proper	ADJ
ajfa-6268	209	5	awareness	awareness	NOUN
ajfa-6268	209	6	has	have	AUX
ajfa-6268	209	7	not	not	PART
ajfa-6268	209	8	been	be	AUX
ajfa-6268	209	9	created	create	VERB
ajfa-6268	209	10	on	on	ADP
ajfa-6268	209	11	the	the	DET
ajfa-6268	209	12	use	use	NOUN
ajfa-6268	209	13	of	of	ADP
ajfa-6268	209	14	pos	pos	NOUN
ajfa-6268	209	15	.	.	PUNCT
ajfa-6268	210	1	most	most	ADJ
ajfa-6268	210	2	customers	customer	NOUN
ajfa-6268	210	3	still	still	ADV
ajfa-6268	210	4	rely	rely	VERB
ajfa-6268	210	5	on	on	ADP
ajfa-6268	210	6	counter	counter	ADJ
ajfa-6268	210	7	withdrawals	withdrawal	NOUN
ajfa-6268	210	8	and	and	CCONJ
ajfa-6268	210	9	cash	cash	NOUN
ajfa-6268	210	10	payments	payment	NOUN
ajfa-6268	210	11	rather	rather	ADV
ajfa-6268	210	12	than	than	ADP
ajfa-6268	210	13	use	use	VERB
ajfa-6268	210	14	pos	pos	NOUN
ajfa-6268	210	15	for	for	ADP
ajfa-6268	210	16	all	all	PRON
ajfa-6268	210	17	of	of	ADP
ajfa-6268	210	18	such	such	ADJ
ajfa-6268	210	19	purposes	purpose	NOUN
ajfa-6268	210	20	.	.	PUNCT
ajfa-6268	211	1	finally	finally	ADV
ajfa-6268	211	2	,	,	PUNCT
ajfa-6268	211	3	the	the	DET
ajfa-6268	211	4	wbt	wbt	PROPN
ajfa-6268	211	5	was	be	AUX
ajfa-6268	211	6	found	find	VERB
ajfa-6268	211	7	to	to	PART
ajfa-6268	211	8	be	be	AUX
ajfa-6268	211	9	negatively	negatively	ADV
ajfa-6268	211	10	related	relate	VERB
ajfa-6268	211	11	to	to	ADP
ajfa-6268	211	12	roe	roe	PROPN
ajfa-6268	211	13	of	of	ADP
ajfa-6268	211	14	banks	bank	NOUN
ajfa-6268	211	15	and	and	CCONJ
ajfa-6268	211	16	also	also	ADV
ajfa-6268	211	17	not	not	PART
ajfa-6268	211	18	statistically	statistically	ADV
ajfa-6268	211	19	insignificant	insignificant	ADJ
ajfa-6268	211	20	.	.	PUNCT
ajfa-6268	212	1	this	this	PRON
ajfa-6268	212	2	is	be	AUX
ajfa-6268	212	3	as	as	ADP
ajfa-6268	212	4	a	a	DET
ajfa-6268	212	5	result	result	NOUN
ajfa-6268	212	6	of	of	ADP
ajfa-6268	212	7	high	high	ADJ
ajfa-6268	212	8	rates	rate	NOUN
ajfa-6268	212	9	of	of	ADP
ajfa-6268	212	10	bank	bank	NOUN
ajfa-6268	212	11	charges	charge	NOUN
ajfa-6268	212	12	on	on	ADP
ajfa-6268	212	13	online	online	ADJ
ajfa-6268	212	14	deposits	deposit	NOUN
ajfa-6268	212	15	and	and	CCONJ
ajfa-6268	212	16	as	as	ADP
ajfa-6268	212	17	a	a	DET
ajfa-6268	212	18	result	result	NOUN
ajfa-6268	212	19	,	,	PUNCT
ajfa-6268	212	20	customers	customer	NOUN
ajfa-6268	212	21	do	do	AUX
ajfa-6268	212	22	not	not	PART
ajfa-6268	212	23	patronize	patronize	VERB
ajfa-6268	212	24	the	the	DET
ajfa-6268	212	25	product	product	NOUN
ajfa-6268	212	26	.	.	PUNCT
ajfa-6268	213	1	non	non	ADJ
ajfa-6268	213	2	-	-	NOUN
ajfa-6268	213	3	usage	usage	NOUN
ajfa-6268	213	4	of	of	ADP
ajfa-6268	213	5	the	the	DET
ajfa-6268	213	6	wbt	wbt	PROPN
ajfa-6268	213	7	for	for	ADP
ajfa-6268	213	8	online	online	ADJ
ajfa-6268	213	9	deposits	deposit	NOUN
ajfa-6268	213	10	had	have	AUX
ajfa-6268	213	11	created	create	VERB
ajfa-6268	213	12	a	a	DET
ajfa-6268	213	13	negative	negative	ADJ
ajfa-6268	213	14	impact	impact	NOUN
ajfa-6268	213	15	on	on	ADP
ajfa-6268	213	16	roe	roe	NOUN
ajfa-6268	213	17	of	of	ADP
ajfa-6268	213	18	the	the	DET
ajfa-6268	213	19	banks	bank	NOUN
ajfa-6268	213	20	.	.	PUNCT
ajfa-6268	214	1	5	5	X
ajfa-6268	214	2	.	.	X
ajfa-6268	214	3	summary	summary	NOUN
ajfa-6268	214	4	and	and	CCONJ
ajfa-6268	214	5	conclusion	conclusion	NOUN
ajfa-6268	214	6	this	this	DET
ajfa-6268	214	7	study	study	NOUN
ajfa-6268	214	8	reveals	reveal	VERB
ajfa-6268	214	9	that	that	SCONJ
ajfa-6268	214	10	the	the	DET
ajfa-6268	214	11	introduction	introduction	NOUN
ajfa-6268	214	12	of	of	ADP
ajfa-6268	214	13	electronic	electronic	ADJ
ajfa-6268	214	14	banking	banking	NOUN
ajfa-6268	214	15	in	in	ADP
ajfa-6268	214	16	nigeria	nigeria	PROPN
ajfa-6268	214	17	has	have	VERB
ajfa-6268	214	18	a	a	DET
ajfa-6268	214	19	strong	strong	ADJ
ajfa-6268	214	20	influence	influence	NOUN
ajfa-6268	214	21	on	on	ADP
ajfa-6268	214	22	the	the	DET
ajfa-6268	214	23	development	development	NOUN
ajfa-6268	214	24	of	of	ADP
ajfa-6268	214	25	the	the	DET
ajfa-6268	214	26	payment	payment	NOUN
ajfa-6268	214	27	system	system	NOUN
ajfa-6268	214	28	in	in	ADP
ajfa-6268	214	29	particular	particular	ADJ
ajfa-6268	214	30	and	and	CCONJ
ajfa-6268	214	31	the	the	DET
ajfa-6268	214	32	banking	banking	NOUN
ajfa-6268	214	33	system	system	NOUN
ajfa-6268	214	34	in	in	ADP
ajfa-6268	214	35	general	general	ADJ
ajfa-6268	214	36	.	.	PUNCT
ajfa-6268	215	1	however	however	ADV
ajfa-6268	215	2	,	,	PUNCT
ajfa-6268	215	3	the	the	DET
ajfa-6268	215	4	introduction	introduction	NOUN
ajfa-6268	215	5	of	of	ADP
ajfa-6268	215	6	the	the	DET
ajfa-6268	215	7	system	system	NOUN
ajfa-6268	215	8	,	,	PUNCT
ajfa-6268	215	9	involves	involve	VERB
ajfa-6268	215	10	commitment	commitment	NOUN
ajfa-6268	215	11	of	of	ADP
ajfa-6268	215	12	huge	huge	ADJ
ajfa-6268	215	13	amount	amount	NOUN
ajfa-6268	215	14	of	of	ADP
ajfa-6268	215	15	financial	financial	ADJ
ajfa-6268	215	16	resources	resource	NOUN
ajfa-6268	215	17	on	on	ADP
ajfa-6268	215	18	computer	computer	NOUN
ajfa-6268	215	19	technology	technology	NOUN
ajfa-6268	215	20	and	and	CCONJ
ajfa-6268	215	21	telecommunication	telecommunication	NOUN
ajfa-6268	215	22	facilities	facility	NOUN
ajfa-6268	215	23	,	,	PUNCT
ajfa-6268	215	24	computer	computer	NOUN
ajfa-6268	215	25	technology	technology	NOUN
ajfa-6268	215	26	is	be	AUX
ajfa-6268	215	27	a	a	DET
ajfa-6268	215	28	primary	primary	ADJ
ajfa-6268	215	29	requirement	requirement	NOUN
ajfa-6268	215	30	for	for	ADP
ajfa-6268	215	31	the	the	DET
ajfa-6268	215	32	proper	proper	ADJ
ajfa-6268	215	33	functioning	functioning	NOUN
ajfa-6268	215	34	of	of	ADP
ajfa-6268	215	35	electronic	electronic	ADJ
ajfa-6268	215	36	banking	banking	NOUN
ajfa-6268	215	37	.	.	PUNCT
ajfa-6268	216	1	the	the	DET
ajfa-6268	216	2	major	major	ADJ
ajfa-6268	216	3	problems	problem	NOUN
ajfa-6268	216	4	hindering	hinder	VERB
ajfa-6268	216	5	the	the	DET
ajfa-6268	216	6	effective	effective	ADJ
ajfa-6268	216	7	operation	operation	NOUN
ajfa-6268	216	8	of	of	ADP
ajfa-6268	216	9	cashless	cashless	NOUN
ajfa-6268	216	10	banking	banking	NOUN
ajfa-6268	216	11	in	in	ADP
ajfa-6268	216	12	nigeria	nigeria	PROPN
ajfa-6268	216	13	are	be	AUX
ajfa-6268	216	14	infrastructural	infrastructural	ADJ
ajfa-6268	216	15	deficiencies	deficiency	NOUN
ajfa-6268	216	16	such	such	ADJ
ajfa-6268	216	17	as	as	ADP
ajfa-6268	216	18	erratic	erratic	ADJ
ajfa-6268	216	19	power	power	NOUN
ajfa-6268	216	20	supply	supply	NOUN
ajfa-6268	216	21	,	,	PUNCT
ajfa-6268	216	22	lack	lack	NOUN
ajfa-6268	216	23	of	of	ADP
ajfa-6268	216	24	government	government	NOUN
ajfa-6268	216	25	support	support	NOUN
ajfa-6268	216	26	and	and	CCONJ
ajfa-6268	216	27	high	high	ADJ
ajfa-6268	216	28	charge	charge	NOUN
ajfa-6268	216	29	on	on	ADP
ajfa-6268	216	30	payment	payment	NOUN
ajfa-6268	216	31	terminals	terminal	NOUN
ajfa-6268	216	32	(	(	PUNCT
ajfa-6268	216	33	pos	pos	NOUN
ajfa-6268	216	34	,	,	PUNCT
ajfa-6268	216	35	atms	atms	NOUN
ajfa-6268	216	36	)	)	PUNCT
ajfa-6268	216	37	e.t.c	e.t.c	PROPN
ajfa-6268	216	38	.	.	PUNCT
ajfa-6268	217	1	these	these	DET
ajfa-6268	217	2	problems	problem	NOUN
ajfa-6268	217	3	are	be	AUX
ajfa-6268	217	4	only	only	ADV
ajfa-6268	217	5	peculiar	peculiar	ADJ
ajfa-6268	217	6	to	to	ADP
ajfa-6268	217	7	nigeria	nigeria	PROPN
ajfa-6268	217	8	as	as	SCONJ
ajfa-6268	217	9	it	it	PRON
ajfa-6268	217	10	is	be	AUX
ajfa-6268	217	11	known	know	VERB
ajfa-6268	217	12	that	that	SCONJ
ajfa-6268	217	13	in	in	ADP
ajfa-6268	217	14	developed	develop	VERB
ajfa-6268	217	15	countries	country	NOUN
ajfa-6268	217	16	issues	issue	NOUN
ajfa-6268	217	17	like	like	ADP
ajfa-6268	217	18	power	power	NOUN
ajfa-6268	217	19	failure	failure	NOUN
ajfa-6268	217	20	or	or	CCONJ
ajfa-6268	217	21	failure	failure	NOUN
ajfa-6268	217	22	links	link	NOUN
ajfa-6268	217	23	are	be	AUX
ajfa-6268	217	24	not	not	PART
ajfa-6268	217	25	in	in	ADP
ajfa-6268	217	26	existence	existence	NOUN
ajfa-6268	217	27	.	.	PUNCT
ajfa-6268	218	1	however	however	ADV
ajfa-6268	218	2	,	,	PUNCT
ajfa-6268	218	3	the	the	DET
ajfa-6268	218	4	introduction	introduction	NOUN
ajfa-6268	218	5	of	of	ADP
ajfa-6268	218	6	electronic	electronic	ADJ
ajfa-6268	218	7	banking	banking	NOUN
ajfa-6268	218	8	system	system	NOUN
ajfa-6268	218	9	has	have	AUX
ajfa-6268	218	10	also	also	ADV
ajfa-6268	218	11	contributed	contribute	VERB
ajfa-6268	218	12	significantly	significantly	ADV
ajfa-6268	218	13	to	to	ADP
ajfa-6268	218	14	bank	bank	NOUN
ajfa-6268	218	15	income	income	NOUN
ajfa-6268	218	16	by	by	ADP
ajfa-6268	218	17	way	way	NOUN
ajfa-6268	218	18	of	of	ADP
ajfa-6268	218	19	fee	fee	NOUN
ajfa-6268	218	20	or	or	CCONJ
ajfa-6268	218	21	changes	change	NOUN
ajfa-6268	218	22	gotten	get	VERB
ajfa-6268	218	23	from	from	ADP
ajfa-6268	218	24	these	these	DET
ajfa-6268	218	25	services	service	NOUN
ajfa-6268	218	26	.	.	PUNCT
ajfa-6268	219	1	the	the	DET
ajfa-6268	219	2	c.b.n	c.b.n	NOUN
ajfa-6268	219	3	,	,	PUNCT
ajfa-6268	219	4	other	other	ADJ
ajfa-6268	219	5	financial	financial	ADJ
ajfa-6268	219	6	authorities	authority	NOUN
ajfa-6268	219	7	and	and	CCONJ
ajfa-6268	219	8	banks	bank	NOUN
ajfa-6268	219	9	have	have	VERB
ajfa-6268	219	10	a	a	DET
ajfa-6268	219	11	role	role	NOUN
ajfa-6268	219	12	to	to	PART
ajfa-6268	219	13	play	play	VERB
ajfa-6268	219	14	in	in	ADP
ajfa-6268	219	15	enhancing	enhance	VERB
ajfa-6268	219	16	the	the	DET
ajfa-6268	219	17	system	system	NOUN
ajfa-6268	219	18	through	through	ADP
ajfa-6268	219	19	effective	effective	ADJ
ajfa-6268	219	20	banking	banking	NOUN
ajfa-6268	219	21	and	and	CCONJ
ajfa-6268	219	22	momentary	momentary	ADJ
ajfa-6268	219	23	policies	policy	NOUN
ajfa-6268	219	24	,	,	PUNCT
ajfa-6268	219	25	efficiency	efficiency	NOUN
ajfa-6268	219	26	and	and	CCONJ
ajfa-6268	219	27	stability	stability	NOUN
ajfa-6268	219	28	are	be	AUX
ajfa-6268	219	29	also	also	ADV
ajfa-6268	219	30	ensured	ensure	VERB
ajfa-6268	219	31	and	and	CCONJ
ajfa-6268	219	32	promoted	promote	VERB
ajfa-6268	219	33	.	.	PUNCT
ajfa-6268	220	1	furthermore	furthermore	ADV
ajfa-6268	220	2	,	,	PUNCT
ajfa-6268	220	3	to	to	PART
ajfa-6268	220	4	sustain	sustain	VERB
ajfa-6268	220	5	the	the	DET
ajfa-6268	220	6	electronic	electronic	ADJ
ajfa-6268	220	7	payment	payment	NOUN
ajfa-6268	220	8	system	system	NOUN
ajfa-6268	220	9	,	,	PUNCT
ajfa-6268	220	10	certain	certain	ADJ
ajfa-6268	220	11	strategic	strategic	ADJ
ajfa-6268	220	12	measures	measure	NOUN
ajfa-6268	220	13	must	must	AUX
ajfa-6268	220	14	be	be	AUX
ajfa-6268	220	15	taken	take	VERB
ajfa-6268	220	16	to	to	PART
ajfa-6268	220	17	reduce	reduce	VERB
ajfa-6268	220	18	negative	negative	ADJ
ajfa-6268	220	19	effects	effect	NOUN
ajfa-6268	220	20	of	of	ADP
ajfa-6268	220	21	the	the	DET
ajfa-6268	220	22	problems	problem	NOUN
ajfa-6268	220	23	identified	identify	VERB
ajfa-6268	220	24	as	as	ADP
ajfa-6268	220	25	obstacles	obstacle	NOUN
ajfa-6268	220	26	to	to	ADP
ajfa-6268	220	27	the	the	DET
ajfa-6268	220	28	smooth	smooth	ADJ
ajfa-6268	220	29	functioning	functioning	NOUN
ajfa-6268	220	30	of	of	ADP
ajfa-6268	220	31	the	the	DET
ajfa-6268	220	32	system	system	NOUN
ajfa-6268	220	33	.	.	PUNCT
ajfa-6268	221	1	from	from	ADP
ajfa-6268	221	2	the	the	DET
ajfa-6268	221	3	data	datum	NOUN
ajfa-6268	221	4	collected	collect	VERB
ajfa-6268	221	5	and	and	CCONJ
ajfa-6268	221	6	analyzed	analyze	VERB
ajfa-6268	221	7	,	,	PUNCT
ajfa-6268	221	8	it	it	PRON
ajfa-6268	221	9	is	be	AUX
ajfa-6268	221	10	safe	safe	ADJ
ajfa-6268	221	11	to	to	PART
ajfa-6268	221	12	conclude	conclude	VERB
ajfa-6268	221	13	that	that	SCONJ
ajfa-6268	221	14	ict	ict	PROPN
ajfa-6268	221	15	is	be	AUX
ajfa-6268	221	16	indeed	indeed	ADV
ajfa-6268	221	17	a	a	DET
ajfa-6268	221	18	worthy	worthy	ADJ
ajfa-6268	221	19	venture	venture	NOUN
ajfa-6268	221	20	to	to	ADP
ajfa-6268	221	21	the	the	DET
ajfa-6268	221	22	banking	banking	NOUN
ajfa-6268	221	23	sector	sector	NOUN
ajfa-6268	221	24	,	,	PUNCT
ajfa-6268	221	25	the	the	DET
ajfa-6268	221	26	government	government	NOUN
ajfa-6268	221	27	and	and	CCONJ
ajfa-6268	221	28	even	even	ADV
ajfa-6268	221	29	to	to	ADP
ajfa-6268	221	30	customers	customer	NOUN
ajfa-6268	221	31	.	.	PUNCT
ajfa-6268	222	1	it	it	PRON
ajfa-6268	222	2	is	be	AUX
ajfa-6268	222	3	therefore	therefore	ADV
ajfa-6268	222	4	only	only	ADV
ajfa-6268	222	5	right	right	ADJ
ajfa-6268	222	6	that	that	SCONJ
ajfa-6268	222	7	these	these	DET
ajfa-6268	222	8	beneficiaries	beneficiary	NOUN
ajfa-6268	222	9	join	join	VERB
ajfa-6268	222	10	forces	force	NOUN
ajfa-6268	222	11	to	to	PART
ajfa-6268	222	12	ensure	ensure	VERB
ajfa-6268	222	13	that	that	SCONJ
ajfa-6268	222	14	e	e	NOUN
ajfa-6268	222	15	-	-	ADJ
ajfa-6268	222	16	banking	banking	NOUN
ajfa-6268	222	17	stays	stay	NOUN
ajfa-6268	222	18	for	for	ADP
ajfa-6268	222	19	good	good	ADJ
ajfa-6268	222	20	in	in	ADP
ajfa-6268	222	21	our	our	PRON
ajfa-6268	222	22	country	country	NOUN
ajfa-6268	222	23	nigeria	nigeria	PROPN
ajfa-6268	222	24	.	.	PUNCT
ajfa-6268	223	1	some	some	DET
ajfa-6268	223	2	pertinent	pertinent	ADJ
ajfa-6268	223	3	recommendations	recommendation	NOUN
ajfa-6268	223	4	that	that	PRON
ajfa-6268	223	5	would	would	AUX
ajfa-6268	223	6	enhance	enhance	VERB
ajfa-6268	223	7	ict	ict	PROPN
ajfa-6268	223	8	in	in	ADP
ajfa-6268	223	9	the	the	DET
ajfa-6268	223	10	nigerian	nigerian	ADJ
ajfa-6268	223	11	banking	banking	NOUN
ajfa-6268	223	12	sector	sector	NOUN
ajfa-6268	223	13	are	be	AUX
ajfa-6268	223	14	:	:	PUNCT
ajfa-6268	223	15	(	(	PUNCT
ajfa-6268	223	16	i	i	NOUN
ajfa-6268	223	17	)	)	PUNCT
ajfa-6268	223	18	the	the	DET
ajfa-6268	223	19	banks	bank	NOUN
ajfa-6268	223	20	should	should	AUX
ajfa-6268	223	21	have	have	VERB
ajfa-6268	223	22	proper	proper	ADJ
ajfa-6268	223	23	and	and	CCONJ
ajfa-6268	223	24	sufficient	sufficient	ADJ
ajfa-6268	223	25	standby	standby	ADJ
ajfa-6268	223	26	generators	generator	NOUN
ajfa-6268	223	27	in	in	ADP
ajfa-6268	223	28	case	case	NOUN
ajfa-6268	223	29	of	of	ADP
ajfa-6268	223	30	power	power	NOUN
ajfa-6268	223	31	failure	failure	NOUN
ajfa-6268	223	32	.	.	PUNCT
ajfa-6268	224	1	this	this	PRON
ajfa-6268	224	2	is	be	AUX
ajfa-6268	224	3	to	to	PART
ajfa-6268	224	4	help	help	VERB
ajfa-6268	224	5	cover	cover	VERB
ajfa-6268	224	6	the	the	DET
ajfa-6268	224	7	deficiency	deficiency	NOUN
ajfa-6268	224	8	of	of	ADP
ajfa-6268	224	9	power	power	NOUN
ajfa-6268	224	10	failure	failure	NOUN
ajfa-6268	224	11	.	.	PUNCT
ajfa-6268	225	1	(	(	PUNCT
ajfa-6268	225	2	ii	ii	NOUN
ajfa-6268	225	3	)	)	PUNCT
ajfa-6268	225	4	in	in	ADP
ajfa-6268	225	5	smooth	smooth	ADJ
ajfa-6268	225	6	functioning	functioning	NOUN
ajfa-6268	225	7	of	of	ADP
ajfa-6268	225	8	the	the	DET
ajfa-6268	225	9	payment	payment	NOUN
ajfa-6268	225	10	system	system	NOUN
ajfa-6268	225	11	the	the	DET
ajfa-6268	225	12	government	government	NOUN
ajfa-6268	225	13	have	have	VERB
ajfa-6268	225	14	the	the	DET
ajfa-6268	225	15	major	major	ADJ
ajfa-6268	225	16	role	role	NOUN
ajfa-6268	225	17	to	to	PART
ajfa-6268	225	18	play	play	VERB
ajfa-6268	225	19	,	,	PUNCT
ajfa-6268	225	20	in	in	ADP
ajfa-6268	225	21	aspect	aspect	NOUN
ajfa-6268	225	22	of	of	ADP
ajfa-6268	225	23	financing	finance	VERB
ajfa-6268	225	24	the	the	DET
ajfa-6268	225	25	payment	payment	NOUN
ajfa-6268	225	26	system	system	NOUN
ajfa-6268	225	27	which	which	PRON
ajfa-6268	225	28	require	require	VERB
ajfa-6268	225	29	a	a	DET
ajfa-6268	225	30	lot	lot	NOUN
ajfa-6268	225	31	of	of	ADP
ajfa-6268	225	32	capital	capital	NOUN
ajfa-6268	225	33	to	to	PART
ajfa-6268	225	34	maintain	maintain	VERB
ajfa-6268	225	35	and	and	CCONJ
ajfa-6268	225	36	also	also	ADV
ajfa-6268	225	37	in	in	ADP
ajfa-6268	225	38	the	the	DET
ajfa-6268	225	39	aspect	aspect	NOUN
ajfa-6268	225	40	of	of	ADP
ajfa-6268	225	41	creating	create	VERB
ajfa-6268	225	42	awareness	awareness	NOUN
ajfa-6268	225	43	of	of	ADP
ajfa-6268	225	44	these	these	DET
ajfa-6268	225	45	electronic	electronic	ADJ
ajfa-6268	225	46	products	product	NOUN
ajfa-6268	225	47	and	and	CCONJ
ajfa-6268	225	48	their	their	PRON
ajfa-6268	225	49	benefits	benefit	NOUN
ajfa-6268	225	50	to	to	ADP
ajfa-6268	225	51	the	the	DET
ajfa-6268	225	52	public	public	NOUN
ajfa-6268	225	53	.	.	PUNCT
ajfa-6268	226	1	(	(	PUNCT
ajfa-6268	226	2	iii	iii	X
ajfa-6268	226	3	)	)	PUNCT
ajfa-6268	226	4	skilled	skilled	ADJ
ajfa-6268	226	5	manpower	manpower	NOUN
ajfa-6268	226	6	and	and	CCONJ
ajfa-6268	226	7	computer	computer	NOUN
ajfa-6268	226	8	wizard	wizard	NOUN
ajfa-6268	226	9	should	should	AUX
ajfa-6268	226	10	be	be	AUX
ajfa-6268	226	11	employed	employ	VERB
ajfa-6268	226	12	by	by	ADP
ajfa-6268	226	13	every	every	DET
ajfa-6268	226	14	bank	bank	NOUN
ajfa-6268	226	15	,	,	PUNCT
ajfa-6268	226	16	in	in	ADP
ajfa-6268	226	17	other	other	ADJ
ajfa-6268	226	18	to	to	PART
ajfa-6268	226	19	stop	stop	VERB
ajfa-6268	226	20	,	,	PUNCT
ajfa-6268	226	21	prevent	prevent	VERB
ajfa-6268	226	22	fraudulent	fraudulent	ADJ
ajfa-6268	226	23	personal	personal	ADJ
ajfa-6268	226	24	and	and	CCONJ
ajfa-6268	226	25	hackers	hacker	NOUN
ajfa-6268	226	26	from	from	ADP
ajfa-6268	226	27	having	have	VERB
ajfa-6268	226	28	access	access	NOUN
ajfa-6268	226	29	and	and	CCONJ
ajfa-6268	226	30	manipulating	manipulate	VERB
ajfa-6268	226	31	the	the	DET
ajfa-6268	226	32	banks	bank	NOUN
ajfa-6268	226	33	’	’	PART
ajfa-6268	226	34	data	datum	NOUN
ajfa-6268	226	35	and	and	CCONJ
ajfa-6268	226	36	stealing	steal	VERB
ajfa-6268	226	37	money	money	NOUN
ajfa-6268	226	38	from	from	ADP
ajfa-6268	226	39	the	the	DET
ajfa-6268	226	40	bank	bank	NOUN
ajfa-6268	226	41	accounts	account	NOUN
ajfa-6268	226	42	of	of	ADP
ajfa-6268	226	43	individuals	individual	NOUN
ajfa-6268	226	44	.	.	PUNCT
ajfa-6268	227	1	references	reference	NOUN
ajfa-6268	227	2	abubakar	abubakar	PROPN
ajfa-6268	227	3	,	,	PUNCT
ajfa-6268	227	4	m.	m.	NOUN
ajfa-6268	227	5	,	,	PUNCT
ajfa-6268	227	6	gatawa	gatawa	PROPN
ajfa-6268	227	7	,	,	PUNCT
ajfa-6268	227	8	n.	n.	PROPN
ajfa-6268	227	9	m.	m.	PROPN
ajfa-6268	227	10	&	&	CCONJ
ajfa-6268	227	11	birnin	birnin	PROPN
ajfa-6268	227	12	-	-	PUNCT
ajfa-6268	227	13	kebbi	kebbi	PROPN
ajfa-6268	227	14	,	,	PUNCT
ajfa-6268	227	15	h.	h.	PROPN
ajfa-6268	227	16	s.	s.	PROPN
ajfa-6268	227	17	(	(	PUNCT
ajfa-6268	227	18	2013	2013	NUM
ajfa-6268	227	19	)	)	PUNCT
ajfa-6268	227	20	.	.	PUNCT
ajfa-6268	228	1	impact	impact	NOUN
ajfa-6268	228	2	of	of	ADP
ajfa-6268	228	3	information	information	NOUN
ajfa-6268	228	4	andcommunication	andcommunication	NOUN
ajfa-6268	228	5	technology	technology	NOUN
ajfa-6268	228	6	on	on	ADP
ajfa-6268	228	7	banks	bank	NOUN
ajfa-6268	228	8	performance	performance	NOUN
ajfa-6268	228	9	:	:	PUNCT
ajfa-6268	228	10	a	a	DET
ajfa-6268	228	11	study	study	NOUN
ajfa-6268	228	12	of	of	ADP
ajfa-6268	228	13	selected	select	VERB
ajfa-6268	228	14	commercialbanks	commercialbank	NOUN
ajfa-6268	228	15	in	in	ADP
ajfa-6268	228	16	nigeria	nigeria	PROPN
ajfa-6268	228	17	(	(	PUNCT
ajfa-6268	228	18	2001	2001	NUM
ajfa-6268	228	19	-	-	SYM
ajfa-6268	228	20	2011	2011	NUM
ajfa-6268	228	21	)	)	PUNCT
ajfa-6268	228	22	.	.	PUNCT
ajfa-6268	229	1	european	european	ADJ
ajfa-6268	229	2	scientific	scientific	ADJ
ajfa-6268	229	3	journal	journal	NOUN
ajfa-6268	229	4	,	,	PUNCT
ajfa-6268	229	5	9(7	9(7	NUM
ajfa-6268	229	6	)	)	PUNCT
ajfa-6268	229	7	,	,	PUNCT
ajfa-6268	229	8	213	213	NUM
ajfa-6268	229	9	-	-	SYM
ajfa-6268	229	10	238	238	NUM
ajfa-6268	229	11	.	.	PUNCT
ajfa-6268	230	1	asian	asian	ADJ
ajfa-6268	230	2	journal	journal	PROPN
ajfa-6268	230	3	of	of	ADP
ajfa-6268	230	4	finance	finance	PROPN
ajfa-6268	230	5	&	&	CCONJ
ajfa-6268	230	6	accounting	accounting	PROPN
ajfa-6268	230	7	issn	issn	PROPN
ajfa-6268	230	8	1946	1946	NUM
ajfa-6268	230	9	-	-	PUNCT
ajfa-6268	230	10	052x	052x	PROPN
ajfa-6268	230	11	2014	2014	NUM
ajfa-6268	230	12	,	,	PUNCT
ajfa-6268	230	13	vol	vol	NOUN
ajfa-6268	230	14	.	.	PROPN
ajfa-6268	231	1	6	6	NUM
ajfa-6268	231	2	,	,	PUNCT
ajfa-6268	231	3	no	no	INTJ
ajfa-6268	231	4	.	.	NOUN
ajfa-6268	231	5	2	2	NUM
ajfa-6268	231	6	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-6268	231	7	375	375	NUM
ajfa-6268	231	8	ackorlie	ackorlie	NOUN
ajfa-6268	231	9	,	,	PUNCT
ajfa-6268	231	10	c	c	X
ajfa-6268	231	11	(	(	PUNCT
ajfa-6268	231	12	2009	2009	NUM
ajfa-6268	231	13	)	)	PUNCT
ajfa-6268	231	14	.	.	PUNCT
ajfa-6268	232	1	business	business	NOUN
ajfa-6268	232	2	and	and	CCONJ
ajfa-6268	232	3	financial	financial	ADJ
ajfa-6268	232	4	times	time	NOUN
ajfa-6268	232	5	.	.	PUNCT
ajfa-6268	233	1	banking	banking	NOUN
ajfa-6268	233	2	survey	survey	NOUN
ajfa-6268	233	3	.	.	PUNCT
ajfa-6268	234	1	ajayi	ajayi	NOUN
ajfa-6268	234	2	m.	m.	NOUN
ajfa-6268	234	3	(	(	PUNCT
ajfa-6268	234	4	2006	2006	NUM
ajfa-6268	234	5	)	)	PUNCT
ajfa-6268	234	6	.	.	PUNCT
ajfa-6268	235	1	banking	banking	NOUN
ajfa-6268	235	2	sector	sector	NOUN
ajfa-6268	235	3	reforms	reform	NOUN
ajfa-6268	235	4	and	and	CCONJ
ajfa-6268	235	5	banking	banking	NOUN
ajfa-6268	235	6	consolidation	consolidation	NOUN
ajfa-6268	235	7	:	:	PUNCT
ajfa-6268	235	8	conceptual	conceptual	ADJ
ajfa-6268	235	9	framework	framework	NOUN
ajfa-6268	235	10	.	.	PUNCT
ajfa-6268	236	1	bullion	bullion	NOUN
ajfa-6268	236	2	,	,	PUNCT
ajfa-6268	236	3	29(2	29(2	NUM
ajfa-6268	236	4	)	)	PUNCT
ajfa-6268	236	5	.	.	PUNCT
ajfa-6268	237	1	ajayi	ajayi	PROPN
ajfa-6268	237	2	,	,	PUNCT
ajfa-6268	237	3	s.i	s.i	PROPN
ajfa-6268	237	4	.	.	PROPN
ajfa-6268	237	5	,	,	PUNCT
ajfa-6268	237	6	&	&	CCONJ
ajfa-6268	237	7	ojo	ojo	NOUN
ajfa-6268	237	8	,	,	PUNCT
ajfa-6268	237	9	o.o	o.o	PROPN
ajfa-6268	237	10	.	.	PROPN
ajfa-6268	237	11	(	(	PUNCT
ajfa-6268	237	12	2006).money	2006).money	NUM
ajfa-6268	237	13	and	and	CCONJ
ajfa-6268	237	14	banking	banking	NOUN
ajfa-6268	237	15	:	:	PUNCT
ajfa-6268	237	16	analysis	analysis	NOUN
ajfa-6268	237	17	and	and	CCONJ
ajfa-6268	237	18	policy	policy	NOUN
ajfa-6268	237	19	in	in	ADP
ajfa-6268	237	20	the	the	DET
ajfa-6268	237	21	nigerian	nigerian	ADJ
ajfa-6268	237	22	context	context	NOUN
ajfa-6268	237	23	,	,	PUNCT
ajfa-6268	237	24	ibadan	ibadan	PROPN
ajfa-6268	237	25	,	,	PUNCT
ajfa-6268	237	26	daily	daily	ADJ
ajfa-6268	237	27	graphics	graphic	NOUN
ajfa-6268	237	28	.	.	PUNCT
ajfa-6268	238	1	alexander	alexander	PROPN
ajfa-6268	238	2	,	,	PUNCT
ajfa-6268	238	3	a.	a.	PROPN
ajfa-6268	238	4	,	,	PUNCT
ajfa-6268	238	5	&	&	CCONJ
ajfa-6268	238	6	fred	fred	PROPN
ajfa-6268	238	7	,	,	PUNCT
ajfa-6268	238	8	a.	a.	NOUN
ajfa-6268	238	9	(	(	PUNCT
ajfa-6268	238	10	2006	2006	NUM
ajfa-6268	238	11	)	)	PUNCT
ajfa-6268	238	12	.	.	PUNCT
ajfa-6268	239	1	electronic	electronic	ADJ
ajfa-6268	239	2	retail	retail	ADJ
ajfa-6268	239	3	payment	payment	NOUN
ajfa-6268	239	4	systems	system	NOUN
ajfa-6268	239	5	:	:	PUNCT
ajfa-6268	239	6	user	user	NOUN
ajfa-6268	239	7	acceptability	acceptability	NOUN
ajfa-6268	239	8	andpayment	andpayment	ADJ
ajfa-6268	239	9	problems	problem	NOUN
ajfa-6268	239	10	in	in	ADP
ajfa-6268	239	11	ghana	ghana	PROPN
ajfa-6268	239	12	.	.	PUNCT
ajfa-6268	240	1	amedu	amedu	PROPN
ajfa-6268	240	2	,	,	PUNCT
ajfa-6268	240	3	u.	u.	PROPN
ajfa-6268	240	4	m.	m.	NOUN
ajfa-6268	240	5	(	(	PUNCT
ajfa-6268	240	6	2005	2005	NUM
ajfa-6268	240	7	)	)	PUNCT
ajfa-6268	240	8	.	.	PUNCT
ajfa-6268	241	1	domestic	domestic	ADJ
ajfa-6268	241	2	electronic	electronic	ADJ
ajfa-6268	241	3	payment	payment	NOUN
ajfa-6268	241	4	in	in	ADP
ajfa-6268	241	5	nigeria	nigeria	PROPN
ajfa-6268	241	6	:	:	PUNCT
ajfa-6268	241	7	the	the	DET
ajfa-6268	241	8	challenges	challenge	NOUN
ajfa-6268	241	9	.	.	PUNCT
ajfa-6268	242	1	central	central	ADJ
ajfa-6268	242	2	bank	bank	PROPN
ajfa-6268	242	3	of	of	ADP
ajfa-6268	242	4	nigeria	nigeria	PROPN
ajfa-6268	242	5	.	.	PUNCT
ajfa-6268	243	1	bullion	bullion	NOUN
ajfa-6268	243	2	,	,	PUNCT
ajfa-6268	243	3	29	29	NUM
ajfa-6268	243	4	(	(	PUNCT
ajfa-6268	243	5	1	1	NUM
ajfa-6268	243	6	)	)	PUNCT
ajfa-6268	243	7	.	.	PUNCT
ajfa-6268	244	1	anderson	anderson	PROPN
ajfa-6268	244	2	-	-	PUNCT
ajfa-6268	244	3	porisch	porisch	PROPN
ajfa-6268	244	4	,	,	PUNCT
ajfa-6268	244	5	shireley	shireley	NOUN
ajfa-6268	244	6	.	.	PUNCT
ajfa-6268	245	1	(	(	PUNCT
ajfa-6268	245	2	2006	2006	NUM
ajfa-6268	245	3	)	)	PUNCT
ajfa-6268	245	4	.	.	PUNCT
ajfa-6268	246	1	being	be	AUX
ajfa-6268	246	2	unbanked	unbanked	ADJ
ajfa-6268	246	3	–	–	PUNCT
ajfa-6268	246	4	what	what	PRON
ajfa-6268	246	5	is	be	AUX
ajfa-6268	246	6	it	it	PRON
ajfa-6268	246	7	?	?	PUNCT
ajfa-6268	247	1	what	what	PRON
ajfa-6268	247	2	are	be	AUX
ajfa-6268	247	3	the	the	DET
ajfa-6268	247	4	implications	implication	NOUN
ajfa-6268	247	5	?	?	PUNCT
ajfa-6268	248	1	asokan	asokan	ADJ
ajfa-6268	248	2	,	,	PUNCT
ajfa-6268	248	3	njanson	njanson	NOUN
ajfa-6268	248	4	,	,	PUNCT
ajfa-6268	248	5	p.	p.	PROPN
ajfa-6268	248	6	,	,	PUNCT
ajfa-6268	248	7	steiner	steiner	PROPN
ajfa-6268	248	8	,	,	PUNCT
ajfa-6268	248	9	m.	m.	NOUN
ajfa-6268	248	10	,	,	PUNCT
ajfa-6268	248	11	&	&	CCONJ
ajfa-6268	248	12	weidner	weidner	PROPN
ajfa-6268	248	13	,	,	PUNCT
ajfa-6268	248	14	m.	m.	NOUN
ajfa-6268	248	15	(	(	PUNCT
ajfa-6268	248	16	2000	2000	NUM
ajfa-6268	248	17	)	)	PUNCT
ajfa-6268	248	18	.	.	PUNCT
ajfa-6268	249	1	electronic	electronic	ADJ
ajfa-6268	249	2	payment	payment	NOUN
ajfa-6268	249	3	systems	system	NOUN
ajfa-6268	249	4	ibm	ibm	PROPN
ajfa-6268	249	5	research	research	NOUN
ajfa-6268	249	6	division	division	NOUN
ajfa-6268	249	7	.	.	PUNCT
ajfa-6268	250	1	zurich	zurich	PROPN
ajfa-6268	250	2	research	research	PROPN
ajfa-6268	250	3	laboratory	laboratory	NOUN
ajfa-6268	250	4	,	,	PUNCT
ajfa-6268	250	5	1	1	NUM
ajfa-6268	250	6	-	-	SYM
ajfa-6268	250	7	16	16	NUM
ajfa-6268	250	8	baddeley	baddeley	NOUN
ajfa-6268	250	9	,	,	PUNCT
ajfa-6268	250	10	m.	m.	NOUN
ajfa-6268	250	11	(	(	PUNCT
ajfa-6268	250	12	2004	2004	NUM
ajfa-6268	250	13	)	)	PUNCT
ajfa-6268	250	14	.	.	PUNCT
ajfa-6268	251	1	using	use	VERB
ajfa-6268	251	2	e	e	NOUN
ajfa-6268	251	3	-	-	NOUN
ajfa-6268	251	4	cash	cash	NOUN
ajfa-6268	251	5	in	in	ADP
ajfa-6268	251	6	the	the	DET
ajfa-6268	251	7	new	new	ADJ
ajfa-6268	251	8	economy	economy	NOUN
ajfa-6268	251	9	:	:	PUNCT
ajfa-6268	251	10	an	an	DET
ajfa-6268	251	11	economic	economic	ADJ
ajfa-6268	251	12	analysis	analysis	NOUN
ajfa-6268	251	13	of	of	ADP
ajfa-6268	251	14	micropayment	micropayment	NOUN
ajfa-6268	251	15	systems	system	NOUN
ajfa-6268	251	16	,	,	PUNCT
ajfa-6268	251	17	uk	uk	PROPN
ajfa-6268	251	18	cambridge	cambridge	PROPN
ajfa-6268	251	19	.	.	PROPN
ajfa-6268	252	1	journal	journal	PROPN
ajfa-6268	252	2	of	of	ADP
ajfa-6268	252	3	electronic	electronic	ADJ
ajfa-6268	252	4	commerce	commerce	NOUN
ajfa-6268	252	5	research	research	NOUN
ajfa-6268	252	6	,	,	PUNCT
ajfa-6268	252	7	5(4	5(4	NUM
ajfa-6268	252	8	)	)	PUNCT
ajfa-6268	252	9	bamakhramah	bamakhramah	NOUN
ajfa-6268	252	10	,	,	PUNCT
ajfa-6268	252	11	a.	a.	PROPN
ajfa-6268	252	12	s.	s.	PROPN
ajfa-6268	252	13	(	(	PUNCT
ajfa-6268	252	14	1992	1992	NUM
ajfa-6268	252	15	)	)	PUNCT
ajfa-6268	252	16	.	.	PUNCT
ajfa-6268	253	1	measurement	measurement	NOUN
ajfa-6268	253	2	of	of	ADP
ajfa-6268	253	3	banking	banking	NOUN
ajfa-6268	253	4	structure	structure	NOUN
ajfa-6268	253	5	in	in	ADP
ajfa-6268	253	6	saudi	saudi	PROPN
ajfa-6268	253	7	arabia	arabia	PROPN
ajfa-6268	253	8	and	and	CCONJ
ajfa-6268	253	9	its	its	PRON
ajfa-6268	253	10	effect	effect	NOUN
ajfa-6268	253	11	on	on	ADP
ajfa-6268	253	12	bank	bank	NOUN
ajfa-6268	253	13	performance	performance	NOUN
ajfa-6268	253	14	j.	j.	PROPN
ajfa-6268	253	15	kau	kau	PROPN
ajfa-6268	253	16	:	:	PUNCT
ajfa-6268	253	17	econ	econ	PROPN
ajfa-6268	253	18	.	.	PROPN
ajfa-6268	253	19	&	&	CCONJ
ajfa-6268	253	20	adm	adm	PROPN
ajfa-6268	253	21	.	.	PROPN
ajfa-6268	253	22	,	,	PUNCT
ajfa-6268	253	23	5	5	NUM
ajfa-6268	253	24	,	,	PUNCT
ajfa-6268	253	25	(	(	PUNCT
ajfa-6268	253	26	3	3	NUM
ajfa-6268	253	27	-	-	SYM
ajfa-6268	253	28	29	29	NUM
ajfa-6268	253	29	)	)	PUNCT
ajfa-6268	253	30	berentsen	berentsen	NOUN
ajfa-6268	253	31	,	,	PUNCT
ajfa-6268	253	32	a.	a.	NOUN
ajfa-6268	253	33	(	(	PUNCT
ajfa-6268	253	34	1998	1998	NUM
ajfa-6268	253	35	)	)	PUNCT
ajfa-6268	253	36	.	.	PUNCT
ajfa-6268	254	1	monetary	monetary	ADJ
ajfa-6268	254	2	policy	policy	NOUN
ajfa-6268	254	3	implications	implication	NOUN
ajfa-6268	254	4	of	of	ADP
ajfa-6268	254	5	digital	digital	ADJ
ajfa-6268	254	6	money	money	NOUN
ajfa-6268	254	7	,	,	PUNCT
ajfa-6268	254	8	kyklos	kyklo	NOUN
ajfa-6268	254	9	,	,	PUNCT
ajfa-6268	254	10	51	51	NUM
ajfa-6268	254	11	,	,	PUNCT
ajfa-6268	254	12	(	(	PUNCT
ajfa-6268	254	13	89	89	NUM
ajfa-6268	254	14	,	,	PUNCT
ajfa-6268	254	15	117	117	NUM
ajfa-6268	254	16	)	)	PUNCT
ajfa-6268	254	17	cbn	cbn	VERB
ajfa-6268	254	18	annual	annual	ADJ
ajfa-6268	254	19	activity	activity	NOUN
ajfa-6268	254	20	report	report	NOUN
ajfa-6268	254	21	.	.	PUNCT
ajfa-6268	255	1	(	(	PUNCT
ajfa-6268	255	2	2012	2012	NUM
ajfa-6268	255	3	)	)	PUNCT
ajfa-6268	255	4	.	.	PUNCT
ajfa-6268	256	1	central	central	PROPN
ajfa-6268	256	2	bank	bank	PROPN
ajfa-6268	256	3	of	of	ADP
ajfa-6268	256	4	nigeria	nigeria	PROPN
ajfa-6268	256	5	(	(	PUNCT
ajfa-6268	256	6	cbn	cbn	PROPN
ajfa-6268	256	7	)	)	PUNCT
ajfa-6268	256	8	statistical	statistical	ADJ
ajfa-6268	256	9	bulletin	bulletin	NOUN
ajfa-6268	256	10	.	.	PUNCT
ajfa-6268	257	1	(	(	PUNCT
ajfa-6268	257	2	2012	2012	NUM
ajfa-6268	257	3	)	)	PUNCT
ajfa-6268	257	4	.	.	PUNCT
ajfa-6268	258	1	cobb	cobb	PROPN
ajfa-6268	258	2	anne	anne	PROPN
ajfa-6268	258	3	.	.	PUNCT
ajfa-6268	258	4	(	(	PUNCT
ajfa-6268	258	5	2004	2004	NUM
ajfa-6268	258	6	)	)	PUNCT
ajfa-6268	258	7	.	.	PUNCT
ajfa-6268	259	1	http://www.ameinfo.com/50050.html	http://www.ameinfo.com/50050.html	PROPN
ajfa-6268	259	2	.	.	PROPN
ajfa-6268	259	3	commonwealth	commonwealth	PROPN
ajfa-6268	259	4	business	business	PROPN
ajfa-6268	259	5	council	council	PROPN
ajfa-6268	259	6	.	.	PUNCT
ajfa-6268	260	1	(	(	PUNCT
ajfa-6268	260	2	2004	2004	NUM
ajfa-6268	260	3	)	)	PUNCT
ajfa-6268	260	4	.	.	PUNCT
ajfa-6268	261	1	white	white	PROPN
ajfa-6268	261	2	paper	paper	PROPN
ajfa-6268	261	3	publication	publication	NOUN
ajfa-6268	261	4	on	on	ADP
ajfa-6268	261	5	payment	payment	NOUN
ajfa-6268	261	6	solutions	solution	NOUN
ajfa-6268	261	7	formodernizing	formodernize	VERB
ajfa-6268	261	8	economies	economy	NOUN
ajfa-6268	261	9	.	.	PUNCT
ajfa-6268	262	1	daniel	daniel	PROPN
ajfa-6268	262	2	,	,	PUNCT
ajfa-6268	262	3	d.g	d.g	PROPN
ajfa-6268	262	4	.	.	PROPN
ajfa-6268	262	5	,	,	PUNCT
ajfa-6268	262	6	swartz	swartz	PROPN
ajfa-6268	262	7	,	,	PUNCT
ajfa-6268	262	8	r.w	r.w	PROPN
ajfa-6268	262	9	.	.	PROPN
ajfa-6268	262	10	,	,	PUNCT
ajfa-6268	262	11	&	&	CCONJ
ajfa-6268	262	12	fermar	fermar	PROPN
ajfa-6268	262	13	,	,	PUNCT
ajfa-6268	262	14	a.l	a.l	PROPN
ajfa-6268	262	15	.	.	PROPN
ajfa-6268	262	16	(	(	PUNCT
ajfa-6268	262	17	2004	2004	NUM
ajfa-6268	262	18	)	)	PUNCT
ajfa-6268	262	19	.	.	PUNCT
ajfa-6268	263	1	economics	economic	NOUN
ajfa-6268	263	2	of	of	ADP
ajfa-6268	263	3	a	a	DET
ajfa-6268	263	4	cashless	cashless	NOUN
ajfa-6268	263	5	society	society	NOUN
ajfa-6268	263	6	:	:	PUNCT
ajfa-6268	263	7	an	an	DET
ajfa-6268	263	8	analysis	analysis	NOUN
ajfa-6268	263	9	of	of	ADP
ajfa-6268	263	10	costs	cost	NOUN
ajfa-6268	263	11	and	and	CCONJ
ajfa-6268	263	12	benefits	benefit	NOUN
ajfa-6268	263	13	of	of	ADP
ajfa-6268	263	14	payment	payment	NOUN
ajfa-6268	263	15	instruments	instrument	NOUN
ajfa-6268	263	16	,	,	PUNCT
ajfa-6268	263	17	aei	aei	ADJ
ajfa-6268	263	18	-	-	PUNCT
ajfa-6268	263	19	brookings	brookings	PROPN
ajfa-6268	263	20	joint	joint	ADJ
ajfa-6268	263	21	center	center	NOUN
ajfa-6268	263	22	.	.	PUNCT
ajfa-6268	264	1	dos	do	NOUN
ajfa-6268	264	2	santos	santos	PROPN
ajfa-6268	264	3	,	,	PUNCT
ajfa-6268	264	4	b.	b.	PROPN
ajfa-6268	264	5	l.	l.	PROPN
ajfa-6268	264	6	,	,	PUNCT
ajfa-6268	264	7	&	&	CCONJ
ajfa-6268	264	8	peffers	peffer	NOUN
ajfa-6268	264	9	,	,	PUNCT
ajfa-6268	264	10	k.	k.	PROPN
ajfa-6268	264	11	(	(	PUNCT
ajfa-6268	264	12	1993	1993	NUM
ajfa-6268	264	13	)	)	PUNCT
ajfa-6268	264	14	.	.	PUNCT
ajfa-6268	265	1	the	the	DET
ajfa-6268	265	2	effects	effect	NOUN
ajfa-6268	265	3	of	of	ADP
ajfa-6268	265	4	early	early	ADJ
ajfa-6268	265	5	adoption	adoption	NOUN
ajfa-6268	265	6	of	of	ADP
ajfa-6268	265	7	information	information	NOUN
ajfa-6268	265	8	technology	technology	NOUN
ajfa-6268	265	9	:	:	PUNCT
ajfa-6268	265	10	an	an	DET
ajfa-6268	265	11	empirical	empirical	ADJ
ajfa-6268	265	12	study	study	NOUN
ajfa-6268	265	13	.	.	PUNCT
ajfa-6268	266	1	journal	journal	NOUN
ajfa-6268	266	2	of	of	ADP
ajfa-6268	266	3	information	information	NOUN
ajfa-6268	266	4	technology	technology	NOUN
ajfa-6268	266	5	management	management	NOUN
ajfa-6268	266	6	,	,	PUNCT
ajfa-6268	266	7	4(1	4(1	NOUN
ajfa-6268	266	8	)	)	PUNCT
ajfa-6268	266	9	.	.	PUNCT
ajfa-6268	267	1	ernest	ernest	PROPN
ajfa-6268	267	2	.s	.s	PROPN
ajfa-6268	267	3	.	.	PUNCT
ajfa-6268	268	1	o.	o.	PROPN
ajfa-6268	268	2	,	,	PUNCT
ajfa-6268	268	3	&	&	CCONJ
ajfa-6268	268	4	fadiya	fadiya	PROPN
ajfa-6268	268	5	.b	.b	PROPN
ajfa-6268	268	6	.	.	PUNCT
ajfa-6268	269	1	b.	b.	PROPN
ajfa-6268	269	2	(	(	PUNCT
ajfa-6268	269	3	2013	2013	NUM
ajfa-6268	269	4	)	)	PUNCT
ajfa-6268	269	5	.	.	PUNCT
ajfa-6268	270	1	cashless	cashless	NOUN
ajfa-6268	270	2	banking	banking	NOUN
ajfa-6268	270	3	in	in	ADP
ajfa-6268	270	4	nigeria	nigeria	PROPN
ajfa-6268	270	5	:	:	PUNCT
ajfa-6268	270	6	challenges	challenge	NOUN
ajfa-6268	270	7	,	,	PUNCT
ajfa-6268	270	8	benefits	benefit	NOUN
ajfa-6268	270	9	and	and	CCONJ
ajfa-6268	270	10	policy	policy	NOUN
ajfa-6268	270	11	implications	implication	NOUN
ajfa-6268	270	12	,	,	PUNCT
ajfa-6268	270	13	8(12	8(12	NUM
ajfa-6268	270	14	)	)	PUNCT
ajfa-6268	270	15	friedman	friedman	PROPN
ajfa-6268	270	16	,	,	PUNCT
ajfa-6268	270	17	b.	b.	PROPN
ajfa-6268	270	18	(	(	PUNCT
ajfa-6268	270	19	1999	1999	NUM
ajfa-6268	270	20	)	)	PUNCT
ajfa-6268	270	21	.	.	PUNCT
ajfa-6268	271	1	the	the	DET
ajfa-6268	271	2	future	future	NOUN
ajfa-6268	271	3	of	of	ADP
ajfa-6268	271	4	monetary	monetary	ADJ
ajfa-6268	271	5	policy	policy	NOUN
ajfa-6268	271	6	:	:	PUNCT
ajfa-6268	271	7	the	the	DET
ajfa-6268	271	8	central	central	ADJ
ajfa-6268	271	9	bank	bank	NOUN
ajfa-6268	271	10	as	as	ADP
ajfa-6268	271	11	an	an	DET
ajfa-6268	271	12	army	army	NOUN
ajfa-6268	271	13	with	with	ADP
ajfa-6268	271	14	only	only	ADV
ajfa-6268	271	15	a	a	DET
ajfa-6268	271	16	signal	signal	ADJ
ajfa-6268	271	17	corps	corps	NOUN
ajfa-6268	271	18	?	?	PUNCT
ajfa-6268	272	1	international	international	ADJ
ajfa-6268	272	2	finance	finance	NOUN
ajfa-6268	272	3	,	,	PUNCT
ajfa-6268	272	4	2	2	NUM
ajfa-6268	272	5	,	,	PUNCT
ajfa-6268	272	6	3(321	3(321	NUM
ajfa-6268	272	7	-	-	PUNCT
ajfa-6268	272	8	338	338	NUM
ajfa-6268	272	9	)	)	PUNCT
ajfa-6268	272	10	goodhart	goodhart	NOUN
ajfa-6268	272	11	,	,	PUNCT
ajfa-6268	272	12	charles	charles	PROPN
ajfa-6268	272	13	a.	a.	PROPN
ajfa-6268	272	14	e.	e.	PROPN
ajfa-6268	272	15	(	(	PUNCT
ajfa-6268	272	16	2000	2000	NUM
ajfa-6268	272	17	)	)	PUNCT
ajfa-6268	272	18	.	.	PUNCT
ajfa-6268	273	1	can	can	AUX
ajfa-6268	273	2	central	central	ADJ
ajfa-6268	273	3	banking	banking	NOUN
ajfa-6268	273	4	survive	survive	VERB
ajfa-6268	273	5	the	the	DET
ajfa-6268	273	6	it	it	PROPN
ajfa-6268	273	7	revolution	revolution	NOUN
ajfa-6268	273	8	?	?	PUNCT
ajfa-6268	274	1	international	international	ADJ
ajfa-6268	274	2	finance	finance	NOUN
ajfa-6268	274	3	,	,	PUNCT
ajfa-6268	274	4	3	3	NUM
ajfa-6268	274	5	,	,	PUNCT
ajfa-6268	274	6	2(189	2(189	PROPN
ajfa-6268	274	7	-	-	PUNCT
ajfa-6268	274	8	209	209	NUM
ajfa-6268	274	9	)	)	PUNCT
ajfa-6268	274	10	asian	asian	ADJ
ajfa-6268	274	11	journal	journal	NOUN
ajfa-6268	274	12	of	of	ADP
ajfa-6268	274	13	finance	finance	PROPN
ajfa-6268	274	14	&	&	CCONJ
ajfa-6268	274	15	accounting	accounting	PROPN
ajfa-6268	274	16	issn	issn	PROPN
ajfa-6268	274	17	1946	1946	NUM
ajfa-6268	274	18	-	-	PUNCT
ajfa-6268	274	19	052x	052x	PROPN
ajfa-6268	274	20	2014	2014	NUM
ajfa-6268	274	21	,	,	PUNCT
ajfa-6268	274	22	vol	vol	NOUN
ajfa-6268	274	23	.	.	PROPN
ajfa-6268	274	24	6	6	NUM
ajfa-6268	274	25	,	,	PUNCT
ajfa-6268	274	26	no	no	INTJ
ajfa-6268	274	27	.	.	NOUN
ajfa-6268	274	28	2	2	NUM
ajfa-6268	274	29	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NOUN
ajfa-6268	274	30	376	376	NUM
ajfa-6268	274	31	humphrey	humphrey	PROPN
ajfa-6268	274	32	,	,	PUNCT
ajfa-6268	274	33	d.	d.	PROPN
ajfa-6268	274	34	b.	b.	PROPN
ajfa-6268	274	35	,	,	PUNCT
ajfa-6268	274	36	&	&	CCONJ
ajfa-6268	274	37	a.	a.	PROPN
ajfa-6268	274	38	n.	n.	PROPN
ajfa-6268	274	39	berger	berger	PROPN
ajfa-6268	274	40	.	.	PUNCT
ajfa-6268	275	1	(	(	PUNCT
ajfa-6268	275	2	1990	1990	NUM
ajfa-6268	275	3	)	)	PUNCT
ajfa-6268	275	4	.	.	PUNCT
ajfa-6268	276	1	market	market	NOUN
ajfa-6268	276	2	failure	failure	NOUN
ajfa-6268	276	3	and	and	CCONJ
ajfa-6268	276	4	resource	resource	NOUN
ajfa-6268	276	5	use	use	NOUN
ajfa-6268	276	6	:	:	PUNCT
ajfa-6268	276	7	economic	economic	ADJ
ajfa-6268	276	8	incentives	incentive	NOUN
ajfa-6268	276	9	to	to	PART
ajfa-6268	276	10	use	use	VERB
ajfa-6268	276	11	different	different	ADJ
ajfa-6268	276	12	payment	payment	NOUN
ajfa-6268	276	13	instruments‖.	instruments‖.	NOUN
ajfa-6268	276	14	,	,	PUNCT
ajfa-6268	276	15	new	new	PROPN
ajfa-6268	276	16	york	york	PROPN
ajfa-6268	276	17	,	,	PUNCT
ajfa-6268	276	18	monograph	monograph	PROPN
ajfa-6268	276	19	series	series	PROPN
ajfa-6268	276	20	in	in	ADP
ajfa-6268	276	21	finance	finance	NOUN
ajfa-6268	276	22	and	and	CCONJ
ajfa-6268	276	23	economics	economic	NOUN
ajfa-6268	276	24	.	.	PUNCT
ajfa-6268	277	1	humphrey	humphrey	PROPN
ajfa-6268	277	2	,	,	PUNCT
ajfa-6268	277	3	d.	d.	PROPN
ajfa-6268	277	4	b.	b.	PROPN
ajfa-6268	277	5	,	,	PUNCT
ajfa-6268	277	6	kim	kim	PROPN
ajfa-6268	277	7	,	,	PUNCT
ajfa-6268	277	8	m.	m.	NOUN
ajfa-6268	277	9	,	,	PUNCT
ajfa-6268	277	10	&	&	CCONJ
ajfa-6268	277	11	vale	vale	NOUN
ajfa-6268	277	12	,	,	PUNCT
ajfa-6268	277	13	b.	b.	PROPN
ajfa-6268	277	14	(	(	PUNCT
ajfa-6268	277	15	2001	2001	NUM
ajfa-6268	277	16	)	)	PUNCT
ajfa-6268	277	17	.	.	PUNCT
ajfa-6268	278	1	realizing	realize	VERB
ajfa-6268	278	2	the	the	DET
ajfa-6268	278	3	gains	gain	NOUN
ajfa-6268	278	4	from	from	ADP
ajfa-6268	278	5	electronic	electronic	ADJ
ajfa-6268	278	6	payments	payment	NOUN
ajfa-6268	278	7	:	:	PUNCT
ajfa-6268	278	8	cost	cost	NOUN
ajfa-6268	278	9	,	,	PUNCT
ajfa-6268	278	10	pricing	pricing	NOUN
ajfa-6268	278	11	,	,	PUNCT
ajfa-6268	278	12	and	and	CCONJ
ajfa-6268	278	13	payment	payment	NOUN
ajfa-6268	278	14	choice	choice	NOUN
ajfa-6268	278	15	.	.	PUNCT
ajfa-6268	279	1	journal	journal	NOUN
ajfa-6268	279	2	of	of	ADP
ajfa-6268	279	3	money	money	NOUN
ajfa-6268	279	4	,	,	PUNCT
ajfa-6268	279	5	credit	credit	NOUN
ajfa-6268	279	6	,	,	PUNCT
ajfa-6268	279	7	and	and	CCONJ
ajfa-6268	279	8	banking	banking	NOUN
ajfa-6268	279	9	,	,	PUNCT
ajfa-6268	279	10	33	33	NUM
ajfa-6268	279	11	,	,	PUNCT
ajfa-6268	279	12	2(216	2(216	NUM
ajfa-6268	279	13	-234	-234	PROPN
ajfa-6268	279	14	)	)	PUNCT
ajfa-6268	279	15	.	.	PUNCT
ajfa-6268	280	1	king	king	PROPN
ajfa-6268	280	2	,	,	PUNCT
ajfa-6268	280	3	m.	m.	NOUN
ajfa-6268	280	4	(	(	PUNCT
ajfa-6268	280	5	1999	1999	NUM
ajfa-6268	280	6	)	)	PUNCT
ajfa-6268	280	7	.	.	PUNCT
ajfa-6268	281	1	challenges	challenge	NOUN
ajfa-6268	281	2	for	for	ADP
ajfa-6268	281	3	monetary	monetary	ADJ
ajfa-6268	281	4	policy	policy	NOUN
ajfa-6268	281	5	:	:	PUNCT
ajfa-6268	281	6	new	new	ADJ
ajfa-6268	281	7	and	and	CCONJ
ajfa-6268	281	8	old	old	ADJ
ajfa-6268	281	9	,	,	PUNCT
ajfa-6268	281	10	bank	bank	NOUN
ajfa-6268	281	11	of	of	ADP
ajfa-6268	281	12	england	england	PROPN
ajfa-6268	281	13	quarterly	quarterly	PROPN
ajfa-6268	281	14	bulletin	bulletin	NOUN
ajfa-6268	281	15	,	,	PUNCT
ajfa-6268	281	16	november	november	PROPN
ajfa-6268	281	17	,	,	PUNCT
ajfa-6268	281	18	(	(	PUNCT
ajfa-6268	281	19	397	397	NUM
ajfa-6268	281	20	–	–	SYM
ajfa-6268	281	21	415	415	NUM
ajfa-6268	281	22	)	)	PUNCT
ajfa-6268	281	23	.	.	PUNCT
ajfa-6268	282	1	microfinance	microfinance	PROPN
ajfa-6268	282	2	nigeria	nigeria	PROPN
ajfa-6268	282	3	.	.	PUNCT
ajfa-6268	283	1	(	(	PUNCT
ajfa-6268	283	2	2012	2012	NUM
ajfa-6268	283	3	)	)	PUNCT
ajfa-6268	283	4	.	.	PUNCT
ajfa-6268	284	1	a	a	DET
ajfa-6268	284	2	paper	paper	NOUN
ajfa-6268	284	3	titled	title	VERB
ajfa-6268	284	4	poor	poor	ADJ
ajfa-6268	284	5	infrastructure	infrastructure	NOUN
ajfa-6268	284	6	,	,	PUNCT
ajfa-6268	284	7	low	low	ADJ
ajfa-6268	284	8	awareness	awareness	NOUN
ajfa-6268	284	9	may	may	AUX
ajfa-6268	284	10	hamper	hamper	VERB
ajfa-6268	284	11	e	e	NOUN
ajfa-6268	284	12	payments	payment	NOUN
ajfa-6268	284	13	drive	drive	VERB
ajfa-6268	284	14	.	.	PUNCT
ajfa-6268	285	1	mishra	mishra	PROPN
ajfa-6268	285	2	,	,	PUNCT
ajfa-6268	285	3	b.b	b.b	PROPN
ajfa-6268	285	4	.	.	PROPN
ajfa-6268	285	5	(	(	PUNCT
ajfa-6268	285	6	2008	2008	NUM
ajfa-6268	285	7	)	)	PUNCT
ajfa-6268	285	8	.	.	PUNCT
ajfa-6268	286	1	the	the	DET
ajfa-6268	286	2	development	development	NOUN
ajfa-6268	286	3	of	of	ADP
ajfa-6268	286	4	e	e	NOUN
ajfa-6268	286	5	-	-	NOUN
ajfa-6268	286	6	payment	payment	NOUN
ajfa-6268	286	7	and	and	CCONJ
ajfa-6268	286	8	challenges	challenge	NOUN
ajfa-6268	286	9	in	in	ADP
ajfa-6268	286	10	nepal	nepal	ADJ
ajfa-6268	286	11	(	(	PUNCT
ajfa-6268	286	12	159	159	NUM
ajfa-6268	286	13	-	-	SYM
ajfa-6268	286	14	168	168	NUM
ajfa-6268	286	15	)	)	PUNCT
ajfa-6268	286	16	okey	okey	PROPN
ajfa-6268	286	17	o.	o.	PROPN
ajfa-6268	286	18	o.	o.	PROPN
ajfa-6268	286	19	(	(	PUNCT
ajfa-6268	286	20	2012	2012	NUM
ajfa-6268	286	21	)	)	PUNCT
ajfa-6268	286	22	.	.	PUNCT
ajfa-6268	287	1	the	the	DET
ajfa-6268	287	2	central	central	ADJ
ajfa-6268	287	3	bank	bank	PROPN
ajfa-6268	287	4	of	of	ADP
ajfa-6268	287	5	nigeria	nigeria	PROPN
ajfa-6268	287	6	’s	’s	PART
ajfa-6268	287	7	cashless	cashless	NOUN
ajfa-6268	287	8	policy	policy	NOUN
ajfa-6268	287	9	in	in	ADP
ajfa-6268	287	10	nigeria	nigeria	PROPN
ajfa-6268	287	11	:	:	PUNCT
ajfa-6268	287	12	benefits	benefit	NOUN
ajfa-6268	287	13	and	and	CCONJ
ajfa-6268	287	14	challenges	challenge	NOUN
ajfa-6268	287	15	.	.	PUNCT
ajfa-6268	288	1	3(14	3(14	NUM
ajfa-6268	288	2	)	)	PUNCT
ajfa-6268	288	3	.	.	PUNCT
ajfa-6268	289	1	onyedimekwu	onyedimekwu	NOUN
ajfa-6268	289	2	,	,	PUNCT
ajfa-6268	289	3	o.	o.	PROPN
ajfa-6268	289	4	,	,	PUNCT
ajfa-6268	289	5	&	&	CCONJ
ajfa-6268	289	6	oruan	oruan	PROPN
ajfa-6268	289	7	,	,	PUNCT
ajfa-6268	289	8	m.	m.	PROPN
ajfa-6268	289	9	k.	k.	PROPN
ajfa-6268	289	10	(	(	PUNCT
ajfa-6268	289	11	2013	2013	NUM
ajfa-6268	289	12	)	)	PUNCT
ajfa-6268	289	13	.	.	PUNCT
ajfa-6268	290	1	empirical	empirical	ADJ
ajfa-6268	290	2	evaluation	evaluation	NOUN
ajfa-6268	290	3	of	of	ADP
ajfa-6268	290	4	customers	customer	NOUN
ajfa-6268	290	5	’	'	PUNCT
ajfa-6268	290	6	use	use	NOUN
ajfa-6268	290	7	of	of	ADP
ajfa-6268	290	8	electronic	electronic	ADJ
ajfa-6268	290	9	banking	banking	NOUN
ajfa-6268	290	10	systems	system	NOUN
ajfa-6268	290	11	in	in	ADP
ajfa-6268	290	12	nigeria	nigeria	PROPN
ajfa-6268	290	13	,	,	PUNCT
ajfa-6268	290	14	6(1	6(1	NUM
ajfa-6268	290	15	)	)	PUNCT
ajfa-6268	290	16	.	.	PUNCT
ajfa-6268	291	1	olotu	olotu	PROPN
ajfa-6268	291	2	o.e	o.e	PROPN
ajfa-6268	291	3	.	.	PUNCT
ajfa-6268	291	4	(	(	PUNCT
ajfa-6268	291	5	2005	2005	NUM
ajfa-6268	291	6	)	)	PUNCT
ajfa-6268	291	7	.	.	PUNCT
ajfa-6268	292	1	practical	practical	ADJ
ajfa-6268	292	2	research	research	NOUN
ajfa-6268	292	3	methodology	methodology	NOUN
ajfa-6268	292	4	.	.	PUNCT
ajfa-6268	293	1	jos	jos	PROPN
ajfa-6268	293	2	:	:	PUNCT
ajfa-6268	293	3	challenge	challenge	NOUN
ajfa-6268	293	4	publications	publication	NOUN
ajfa-6268	293	5	.	.	PUNCT
ajfa-6268	294	1	ovia	ovia	PROPN
ajfa-6268	294	2	,	,	PUNCT
ajfa-6268	294	3	j.	j.	PROPN
ajfa-6268	294	4	(	(	PUNCT
ajfa-6268	294	5	2005	2005	NUM
ajfa-6268	294	6	)	)	PUNCT
ajfa-6268	294	7	.	.	PUNCT
ajfa-6268	295	1	enhancing	enhance	VERB
ajfa-6268	295	2	the	the	DET
ajfa-6268	295	3	efficiency	efficiency	NOUN
ajfa-6268	295	4	of	of	ADP
ajfa-6268	295	5	the	the	DET
ajfa-6268	295	6	nigerian	nigerian	ADJ
ajfa-6268	295	7	payments	payment	NOUN
ajfa-6268	295	8	system	system	NOUN
ajfa-6268	295	9	,	,	PUNCT
ajfa-6268	295	10	central	central	ADJ
ajfa-6268	295	11	bank	bank	PROPN
ajfa-6268	295	12	of	of	ADP
ajfa-6268	295	13	nigeria	nigeria	PROPN
ajfa-6268	295	14	bullion	bullion	NOUN
ajfa-6268	295	15	,	,	PUNCT
ajfa-6268	295	16	29(1	29(1	NUM
ajfa-6268	295	17	)	)	PUNCT
ajfa-6268	295	18	.	.	PUNCT
ajfa-6268	296	1	okoye	okoye	PROPN
ajfa-6268	296	2	p.v.c	p.v.c	PROPN
ajfa-6268	296	3	.	.	PROPN
ajfa-6268	296	4	,	,	PUNCT
ajfa-6268	296	5	&	&	CCONJ
ajfa-6268	296	6	raymond	raymond	PROPN
ajfa-6268	296	7	e.	e.	PROPN
ajfa-6268	296	8	(	(	PUNCT
ajfa-6268	296	9	2013	2013	NUM
ajfa-6268	296	10	)	)	PUNCT
ajfa-6268	296	11	.	.	PUNCT
ajfa-6268	297	1	an	an	DET
ajfa-6268	297	2	appraisal	appraisal	NOUN
ajfa-6268	297	3	of	of	ADP
ajfa-6268	297	4	cashless	cashless	NOUN
ajfa-6268	297	5	economy	economy	NOUN
ajfa-6268	297	6	policy	policy	NOUN
ajfa-6268	297	7	in	in	ADP
ajfa-6268	297	8	development	development	NOUN
ajfa-6268	297	9	of	of	ADP
ajfa-6268	297	10	nigerian	nigerian	ADJ
ajfa-6268	297	11	economy	economy	NOUN
ajfa-6268	297	12	,	,	PUNCT
ajfa-6268	297	13	4(7	4(7	NUM
ajfa-6268	297	14	)	)	PUNCT
ajfa-6268	297	15	.	.	PUNCT
ajfa-6268	298	1	siyanbola	siyanbola	PROPN
ajfa-6268	298	2	,	,	PUNCT
ajfa-6268	298	3	t.	t.	PROPN
ajfa-6268	298	4	(	(	PUNCT
ajfa-6268	298	5	2013	2013	NUM
ajfa-6268	298	6	)	)	PUNCT
ajfa-6268	298	7	.	.	PUNCT
ajfa-6268	299	1	the	the	DET
ajfa-6268	299	2	effect	effect	NOUN
ajfa-6268	299	3	of	of	ADP
ajfa-6268	299	4	cashless	cashless	NOUN
ajfa-6268	299	5	banking	banking	NOUN
ajfa-6268	299	6	on	on	ADP
ajfa-6268	299	7	nigerian	nigerian	ADJ
ajfa-6268	299	8	economy	economy	NOUN
ajfa-6268	299	9	,	,	PUNCT
ajfa-6268	299	10	1	1	NUM
ajfa-6268	299	11	,	,	PUNCT
ajfa-6268	299	12	issue	issue	VERB
ajfa-6268	299	13	2(9	2(9	NUM
ajfa-6268	299	14	-	-	SYM
ajfa-6268	299	15	19	19	NUM
ajfa-6268	299	16	)	)	PUNCT
ajfa-6268	299	17	.	.	PUNCT
ajfa-6268	300	1	taddesse	taddesse	PROPN
ajfa-6268	300	2	w.	w.	PROPN
ajfa-6268	300	3	,	,	PUNCT
ajfa-6268	300	4	&	&	CCONJ
ajfa-6268	300	5	kidan	kidan	PROPN
ajfa-6268	300	6	t.	t.	PROPN
ajfa-6268	300	7	(	(	PUNCT
ajfa-6268	300	8	2005	2005	NUM
ajfa-6268	300	9	)	)	PUNCT
ajfa-6268	300	10	.	.	PUNCT
ajfa-6268	301	1	e	e	X
ajfa-6268	301	2	-	-	NOUN
ajfa-6268	301	3	payment	payment	NOUN
ajfa-6268	301	4	:	:	PUNCT
ajfa-6268	301	5	challenges	challenge	NOUN
ajfa-6268	301	6	&	&	CCONJ
ajfa-6268	301	7	opportunities	opportunity	NOUN
ajfa-6268	301	8	in	in	ADP
ajfa-6268	301	9	ethiopia	ethiopia	PROPN
ajfa-6268	301	10	.	.	PUNCT
ajfa-6268	302	1	uppal	uppal	PROPN
ajfa-6268	302	2	,	,	PUNCT
ajfa-6268	302	3	r.	r.	PROPN
ajfa-6268	302	4	k.	k.	PROPN
ajfa-6268	302	5	(	(	PUNCT
ajfa-6268	302	6	2011	2011	NUM
ajfa-6268	302	7	)	)	PUNCT
ajfa-6268	302	8	.	.	PUNCT
ajfa-6268	303	1	e	e	X
ajfa-6268	303	2	-	-	NOUN
ajfa-6268	303	3	delivery	delivery	NOUN
ajfa-6268	303	4	channels	channel	NOUN
ajfa-6268	303	5	in	in	ADP
ajfa-6268	303	6	banks	bank	NOUN
ajfa-6268	303	7	-	-	PUNCT
ajfa-6268	303	8	a	a	DET
ajfa-6268	303	9	fresh	fresh	ADJ
ajfa-6268	303	10	outlook	outlook	NOUN
ajfa-6268	303	11	.	.	PUNCT
ajfa-6268	304	1	journal	journal	PROPN
ajfa-6268	304	2	of	of	ADP
ajfa-6268	304	3	arts	arts	PROPN
ajfa-6268	304	4	science	science	PROPN
ajfa-6268	304	5	&	&	CCONJ
ajfa-6268	304	6	commerce	commerce	PROPN
ajfa-6268	304	7	,	,	PUNCT
ajfa-6268	304	8	2(180	2(180	NUM
ajfa-6268	304	9	-	-	SYM
ajfa-6268	304	10	191	191	NUM
ajfa-6268	304	11	)	)	PUNCT
ajfa-6268	304	12	.	.	PUNCT
ajfa-6268	305	1	vassilliou	vassilliou	NOUN
ajfa-6268	305	2	.	.	PUNCT
ajfa-6268	306	1	c.	c.	NOUN
ajfa-6268	306	2	(	(	PUNCT
ajfa-6268	306	3	2004	2004	NUM
ajfa-6268	306	4	)	)	PUNCT
ajfa-6268	306	5	.	.	PUNCT
ajfa-6268	307	1	electronic	electronic	ADJ
ajfa-6268	307	2	payment	payment	NOUN
ajfa-6268	307	3	systems	system	NOUN
ajfa-6268	307	4	and	and	CCONJ
ajfa-6268	307	5	marketing	marketing	NOUN
ajfa-6268	307	6	:	:	PUNCT
ajfa-6268	307	7	a	a	DET
ajfa-6268	307	8	literature	literature	NOUN
ajfa-6268	307	9	review	review	NOUN
ajfa-6268	307	10	.	.	PUNCT
ajfa-6268	308	1	woodford	woodford	PROPN
ajfa-6268	308	2	,	,	PUNCT
ajfa-6268	308	3	m.	m.	NOUN
ajfa-6268	308	4	(	(	PUNCT
ajfa-6268	308	5	2000	2000	NUM
ajfa-6268	308	6	)	)	PUNCT
ajfa-6268	308	7	.	.	PUNCT
ajfa-6268	309	1	monetary	monetary	ADJ
ajfa-6268	309	2	policy	policy	NOUN
ajfa-6268	309	3	in	in	ADP
ajfa-6268	309	4	a	a	DET
ajfa-6268	309	5	world	world	NOUN
ajfa-6268	309	6	without	without	ADP
ajfa-6268	309	7	money	money	NOUN
ajfa-6268	309	8	.	.	PUNCT
ajfa-6268	310	1	international	international	ADJ
ajfa-6268	310	2	finance	finance	NOUN
ajfa-6268	310	3	,	,	PUNCT
ajfa-6268	310	4	3(229	3(229	NUM
ajfa-6268	310	5	-	-	SYM
ajfa-6268	310	6	260	260	NUM
ajfa-6268	310	7	)	)	PUNCT
ajfa-6268	310	8	.	.	PUNCT
ajfa-6268	311	1	http://dx.doi.org/10.1111/1468-2362.00050	http://dx.doi.org/10.1111/1468-2362.00050	PROPN
ajfa-6268	311	2	worku	worku	PROPN
ajfa-6268	311	3	.	.	PUNCT
ajfa-6268	312	1	g.	g.	PROPN
ajfa-6268	312	2	(	(	PUNCT
ajfa-6268	312	3	2010	2010	NUM
ajfa-6268	312	4	)	)	PUNCT
ajfa-6268	312	5	.	.	PUNCT
ajfa-6268	313	1	electronic	electronic	ADJ
ajfa-6268	313	2	banking	banking	NOUN
ajfa-6268	313	3	in	in	ADP
ajfa-6268	313	4	ethiopia	ethiopia	PROPN
ajfa-6268	313	5	–	–	PUNCT
ajfa-6268	313	6	practices	practice	NOUN
ajfa-6268	313	7	,	,	PUNCT
ajfa-6268	313	8	opportunities	opportunity	NOUN
ajfa-6268	313	9	and	and	CCONJ
ajfa-6268	313	10	challenges	challenge	NOUN
ajfa-6268	313	11	.	.	PUNCT
ajfa-6268	314	1	journal	journal	NOUN
ajfa-6268	314	2	of	of	ADP
ajfa-6268	314	3	internet	internet	PROPN
ajfa-6268	314	4	banking	banking	PROPN
ajfa-6268	314	5	&	&	CCONJ
ajfa-6268	314	6	commerce	commerce	PROPN
ajfa-6268	314	7	,	,	PUNCT
ajfa-6268	314	8	12(2	12(2	NUM
ajfa-6268	314	9	)	)	PUNCT
ajfa-6268	314	10	.	.	PUNCT