id	sid	tid	token	lemma	pos
cjfa-34391	1	1	date	date	NOUN
cjfa-34391	1	2	of	of	ADP
cjfa-34391	1	3	submission	submission	NOUN
cjfa-34391	1	4	:	:	PUNCT
cjfa-34391	1	5	october	october	PROPN
cjfa-34391	1	6	26	26	NUM
cjfa-34391	1	7	,	,	PUNCT
cjfa-34391	1	8	2020	2020	NUM
cjfa-34391	1	9	;	;	PUNCT
cjfa-34391	1	10	date	date	NOUN
cjfa-34391	1	11	of	of	ADP
cjfa-34391	1	12	acceptance	acceptance	NOUN
cjfa-34391	1	13	:	:	PUNCT
cjfa-34391	1	14	january	january	PROPN
cjfa-34391	1	15	3	3	NUM
cjfa-34391	1	16	,	,	PUNCT
cjfa-34391	1	17	2021	2021	NUM
cjfa-34391	1	18	.	.	PUNCT
cjfa-34391	2	1	*	*	PUNCT
cjfa-34391	2	2	contact	contact	NOUN
cjfa-34391	2	3	information	information	NOUN
cjfa-34391	2	4	(	(	PUNCT
cjfa-34391	2	5	corresponding	correspond	VERB
cjfa-34391	2	6	author	author	NOUN
cjfa-34391	2	7	):	):	PUNCT
cjfa-34391	2	8	d_kangwa@yahoo.co.uk	d_kangwa@yahoo.co.uk	PROPN
cjfa-34391	2	9	,	,	PUNCT
cjfa-34391	2	10	binary	binary	ADJ
cjfa-34391	2	11	university	university	PROPN
cjfa-34391	2	12	of	of	ADP
cjfa-34391	2	13	management	management	NOUN
cjfa-34391	2	14	and	and	CCONJ
cjfa-34391	2	15	entrepreneurship	entrepreneurship	NOUN
cjfa-34391	2	16	,	,	PUNCT
cjfa-34391	2	17	selangor	selangor	PROPN
cjfa-34391	2	18	,	,	PUNCT
cjfa-34391	2	19	malaysia	malaysia	PROPN
cjfa-34391	2	20	,	,	PUNCT
cjfa-34391	2	21	phone	phone	NOUN
cjfa-34391	2	22	:	:	PUNCT
cjfa-34391	2	23	+260966794849	+260966794849	NOUN
cjfa-34391	2	24	;	;	PUNCT
cjfa-34391	2	25	orcid	orcid	PROPN
cjfa-34391	3	1	i	i	NOUN
cjfa-34391	3	2	d	d	NOUN
cjfa-34391	3	3	:	:	PUNCT
cjfa-34391	3	4	https://orcid.org/0000-0002-2101-7923	https://orcid.org/0000-0002-2101-7923	VERB
cjfa-34391	3	5	.	.	PUNCT
cjfa-34391	4	1	*	*	PUNCT
cjfa-34391	4	2	*	*	PUNCT
cjfa-34391	4	3	contact	contact	NOUN
cjfa-34391	4	4	information	information	NOUN
cjfa-34391	4	5	:	:	PUNCT
cjfa-34391	5	1	jt_mwale@yahoo.com	jt_mwale@yahoo.com	PROPN
cjfa-34391	5	2	,	,	PUNCT
cjfa-34391	5	3	mulungushi	mulungushi	ADJ
cjfa-34391	5	4	university	university	PROPN
cjfa-34391	5	5	,	,	PUNCT
cjfa-34391	5	6	p.o	p.o	PROPN
cjfa-34391	5	7	.	.	PROPN
cjfa-34391	5	8	box	box	PROPN
cjfa-34391	5	9	80415	80415	NUM
cjfa-34391	5	10	,	,	PUNCT
cjfa-34391	5	11	kabwe	kabwe	NOUN
cjfa-34391	5	12	,	,	PUNCT
cjfa-34391	5	13	zambia	zambia	PROPN
cjfa-34391	5	14	,	,	PUNCT
cjfa-34391	5	15	phone	phone	NOUN
cjfa-34391	5	16	:	:	PUNCT
cjfa-34391	5	17	+260762719898	+260762719898	ADJ
cjfa-34391	5	18	;	;	PUNCT
cjfa-34391	5	19	orcid	orcid	PROPN
cjfa-34391	5	20	i	i	NOUN
cjfa-34391	5	21	d	d	NOUN
cjfa-34391	5	22	:	:	PUNCT
cjfa-34391	5	23	https://orcid.org/0000-0002-58848085	https://orcid.org/0000-0002-58848085	VERB
cjfa-34391	5	24	.	.	PUNCT
cjfa-34391	6	1	*	*	PUNCT
cjfa-34391	6	2	*	*	PUNCT
cjfa-34391	6	3	*	*	PUNCT
cjfa-34391	6	4	contact	contact	NOUN
cjfa-34391	6	5	information	information	NOUN
cjfa-34391	6	6	:	:	PUNCT
cjfa-34391	7	1	junaid9nine@gmail.com	junaid9nine@gmail.com	PROPN
cjfa-34391	7	2	,	,	PUNCT
cjfa-34391	7	3	senior	senior	ADJ
cjfa-34391	7	4	assistant	assistant	ADJ
cjfa-34391	7	5	professor	professor	NOUN
cjfa-34391	7	6	accounting	accounting	NOUN
cjfa-34391	7	7	,	,	PUNCT
cjfa-34391	7	8	university	university	NOUN
cjfa-34391	7	9	of	of	ADP
cjfa-34391	7	10	technology	technology	PROPN
cjfa-34391	7	11	,	,	PUNCT
cjfa-34391	7	12	brunei	brunei	PROPN
cjfa-34391	7	13	,	,	PUNCT
cjfa-34391	7	14	phone	phone	NOUN
cjfa-34391	7	15	:	:	PUNCT
cjfa-34391	7	16	+6732461020	+6732461020	NUM
cjfa-34391	7	17	ext	ext	NOUN
cjfa-34391	7	18	5341	5341	NUM
cjfa-34391	7	19	;	;	PUNCT
cjfa-34391	7	20	orcid	orcid	PROPN
cjfa-34391	8	1	i	i	NOUN
cjfa-34391	8	2	d	d	PROPN
cjfa-34391	8	3	:	:	PUNCT
cjfa-34391	8	4	https://	https://	PROPN
cjfa-34391	8	5	orcid.org/0000-0003-3312-4635	orcid.org/0000-0003-3312-4635	PROPN
cjfa-34391	8	6	.	.	PUNCT
cjfa-34391	9	1	copernican	copernican	PROPN
cjfa-34391	9	2	journal	journal	PROPN
cjfa-34391	9	3	of	of	ADP
cjfa-34391	9	4	finance	finance	PROPN
cjfa-34391	9	5	&	&	CCONJ
cjfa-34391	9	6	accounting	accounting	PROPN
cjfa-34391	9	7	e	e	PROPN
cjfa-34391	9	8	-	-	PROPN
cjfa-34391	9	9	issn	issn	PROPN
cjfa-34391	9	10	2300	2300	NUM
cjfa-34391	9	11	-	-	SYM
cjfa-34391	9	12	3065	3065	NUM
cjfa-34391	9	13	p	p	PROPN
cjfa-34391	9	14	-	-	PUNCT
cjfa-34391	9	15	issn	issn	PROPN
cjfa-34391	9	16	2300	2300	NUM
cjfa-34391	9	17	-	-	SYM
cjfa-34391	9	18	12402020	12402020	NUM
cjfa-34391	9	19	,	,	PUNCT
cjfa-34391	9	20	volume	volume	NOUN
cjfa-34391	9	21	9	9	NUM
cjfa-34391	9	22	,	,	PUNCT
cjfa-34391	9	23	issue	issue	NOUN
cjfa-34391	9	24	4	4	NUM
cjfa-34391	9	25	kangwa	kangwa	PROPN
cjfa-34391	9	26	,	,	PUNCT
cjfa-34391	9	27	d.	d.	PROPN
cjfa-34391	9	28	,	,	PUNCT
cjfa-34391	9	29	mwale	mwale	PROPN
cjfa-34391	9	30	,	,	PUNCT
cjfa-34391	9	31	j.t	j.t	PROPN
cjfa-34391	9	32	.	.	PROPN
cjfa-34391	9	33	,	,	PUNCT
cjfa-34391	9	34	&	&	CCONJ
cjfa-34391	9	35	junaid	junaid	PROPN
cjfa-34391	9	36	,	,	PUNCT
cjfa-34391	9	37	s.m	s.m	PROPN
cjfa-34391	9	38	.	.	PROPN
cjfa-34391	9	39	(	(	PUNCT
cjfa-34391	9	40	2020	2020	NUM
cjfa-34391	9	41	)	)	PUNCT
cjfa-34391	9	42	.	.	PUNCT
cjfa-34391	10	1	co	co	VERB
cjfa-34391	10	2	-	-	ADJ
cjfa-34391	10	3	evolutionary	evolutionary	ADJ
cjfa-34391	10	4	dynamics	dynamic	NOUN
cjfa-34391	10	5	of	of	ADP
cjfa-34391	10	6	financial	financial	ADJ
cjfa-34391	10	7	inclusion	inclusion	NOUN
cjfa-34391	10	8	of	of	ADP
cjfa-34391	10	9	generation	generation	NOUN
cjfa-34391	10	10	z	z	NOUN
cjfa-34391	10	11	in	in	ADP
cjfa-34391	10	12	a	a	DET
cjfa-34391	10	13	sub	sub	ADJ
cjfa-34391	10	14	-	-	ADJ
cjfa-34391	10	15	saharan	saharan	ADJ
cjfa-34391	10	16	digital	digital	ADJ
cjfa-34391	10	17	financial	financial	ADJ
cjfa-34391	10	18	ecosystem	ecosystem	NOUN
cjfa-34391	10	19	.	.	PUNCT
cjfa-34391	11	1	copernican	copernican	PROPN
cjfa-34391	11	2	journal	journal	PROPN
cjfa-34391	11	3	of	of	ADP
cjfa-34391	11	4	finance	finance	PROPN
cjfa-34391	11	5	&	&	CCONJ
cjfa-34391	11	6	accounting	accounting	PROPN
cjfa-34391	11	7	,	,	PUNCT
cjfa-34391	11	8	9(4	9(4	NUM
cjfa-34391	11	9	)	)	PUNCT
cjfa-34391	11	10	,	,	PUNCT
cjfa-34391	11	11	27–50	27–50	NUM
cjfa-34391	11	12	.	.	PUNCT
cjfa-34391	12	1	http://dx.doi.org/10.12775/cjfa.2020.020	http://dx.doi.org/10.12775/cjfa.2020.020	PROPN
cjfa-34391	12	2	diana	diana	PROPN
cjfa-34391	12	3	kangwa	kangwa	PROPN
cjfa-34391	12	4	*	*	PROPN
cjfa-34391	12	5	binary	binary	PROPN
cjfa-34391	12	6	university	university	PROPN
cjfa-34391	12	7	of	of	ADP
cjfa-34391	12	8	management	management	NOUN
cjfa-34391	12	9	&	&	CCONJ
cjfa-34391	12	10	entrepreneurship	entrepreneurship	PROPN
cjfa-34391	12	11	joseph	joseph	PROPN
cjfa-34391	12	12	thokozani	thokozani	PROPN
cjfa-34391	12	13	mwale	mwale	PROPN
cjfa-34391	12	14	*	*	PROPN
cjfa-34391	12	15	*	*	PROPN
cjfa-34391	12	16	mulungushi	mulungushi	PROPN
cjfa-34391	12	17	university	university	NOUN
cjfa-34391	12	18	junaid	junaid	VERB
cjfa-34391	12	19	m.	m.	NOUN
cjfa-34391	12	20	shaikh	shaikh	PROPN
cjfa-34391	13	1	*	*	PUNCT
cjfa-34391	14	1	*	*	PUNCT
cjfa-34391	14	2	*	*	PROPN
cjfa-34391	14	3	university	university	PROPN
cjfa-34391	14	4	of	of	ADP
cjfa-34391	14	5	technology	technology	NOUN
cjfa-34391	14	6	co	co	ADJ
cjfa-34391	14	7	-	-	ADJ
cjfa-34391	14	8	evolutionary	evolutionary	ADJ
cjfa-34391	14	9	dynamics	dynamic	NOUN
cjfa-34391	14	10	of	of	ADP
cjfa-34391	14	11	financial	financial	ADJ
cjfa-34391	14	12	inclusion	inclusion	NOUN
cjfa-34391	14	13	of	of	ADP
cjfa-34391	14	14	generation	generation	NOUN
cjfa-34391	14	15	z	z	NOUN
cjfa-34391	14	16	in	in	ADP
cjfa-34391	14	17	a	a	DET
cjfa-34391	14	18	sub	sub	ADJ
cjfa-34391	14	19	-	-	ADJ
cjfa-34391	14	20	saharan	saharan	ADJ
cjfa-34391	14	21	digital	digital	ADJ
cjfa-34391	14	22	financial	financial	ADJ
cjfa-34391	14	23	ecosystem	ecosystem	NOUN
cjfa-34391	14	24	keywords	keyword	NOUN
cjfa-34391	14	25	:	:	PUNCT
cjfa-34391	14	26	digital	digital	ADJ
cjfa-34391	14	27	finance	finance	NOUN
cjfa-34391	14	28	,	,	PUNCT
cjfa-34391	14	29	financial	financial	ADJ
cjfa-34391	14	30	inclusion	inclusion	NOUN
cjfa-34391	14	31	,	,	PUNCT
cjfa-34391	14	32	co	co	ADJ
cjfa-34391	14	33	-	-	ADJ
cjfa-34391	14	34	evolutionary	evolutionary	ADJ
cjfa-34391	14	35	dynamics	dynamic	NOUN
cjfa-34391	14	36	,	,	PUNCT
cjfa-34391	15	1	generation	generation	NOUN
cjfa-34391	15	2	z.	z.	PROPN
cjfa-34391	15	3	j	j	PROPN
cjfa-34391	15	4	e	e	PROPN
cjfa-34391	15	5	l	l	PROPN
cjfa-34391	15	6	classification	classification	NOUN
cjfa-34391	15	7	:	:	PUNCT
cjfa-34391	15	8	g21	g21	PROPN
cjfa-34391	15	9	,	,	PUNCT
cjfa-34391	15	10	g23	g23	PROPN
cjfa-34391	15	11	.	.	PUNCT
cjfa-34391	16	1	abstract	abstract	PROPN
cjfa-34391	16	2	:	:	PUNCT
cjfa-34391	16	3	the	the	DET
cjfa-34391	16	4	growing	grow	VERB
cjfa-34391	16	5	digital	digital	ADJ
cjfa-34391	16	6	consumerism	consumerism	NOUN
cjfa-34391	16	7	in	in	ADP
cjfa-34391	16	8	modern	modern	ADJ
cjfa-34391	16	9	society	society	NOUN
cjfa-34391	16	10	is	be	AUX
cjfa-34391	16	11	associated	associate	VERB
cjfa-34391	16	12	with	with	ADP
cjfa-34391	16	13	higher	high	ADJ
cjfa-34391	16	14	expectations	expectation	NOUN
cjfa-34391	16	15	of	of	ADP
cjfa-34391	16	16	customer	customer	NOUN
cjfa-34391	16	17	experience	experience	NOUN
cjfa-34391	16	18	,	,	PUNCT
cjfa-34391	16	19	and	and	CCONJ
cjfa-34391	16	20	as	as	SCONJ
cjfa-34391	16	21	such	such	DET
cjfa-34391	16	22	the	the	DET
cjfa-34391	16	23	business	business	NOUN
cjfa-34391	16	24	environment	environment	NOUN
cjfa-34391	16	25	is	be	AUX
cjfa-34391	16	26	expected	expect	VERB
cjfa-34391	16	27	to	to	PART
cjfa-34391	16	28	co	co	VERB
cjfa-34391	16	29	-	-	VERB
cjfa-34391	16	30	evolve	evolve	VERB
cjfa-34391	16	31	by	by	ADP
cjfa-34391	16	32	developing	develop	VERB
cjfa-34391	16	33	more	more	ADJ
cjfa-34391	16	34	consumer	consumer	NOUN
cjfa-34391	16	35	-	-	PUNCT
cjfa-34391	16	36	centric	centric	ADJ
cjfa-34391	16	37	,	,	PUNCT
cjfa-34391	16	38	sharing	sharing	NOUN
cjfa-34391	16	39	-	-	PUNCT
cjfa-34391	16	40	based	base	VERB
cjfa-34391	16	41	and	and	CCONJ
cjfa-34391	16	42	fastdiana	fastdiana	PROPN
cjfa-34391	16	43	kangwa	kangwa	PROPN
cjfa-34391	16	44	,	,	PUNCT
cjfa-34391	16	45	joseph	joseph	PROPN
cjfa-34391	16	46	thokozani	thokozani	PROPN
cjfa-34391	16	47	mwale	mwale	PROPN
cjfa-34391	16	48	,	,	PUNCT
cjfa-34391	16	49	junaid	junaid	VERB
cjfa-34391	16	50	m.	m.	NOUN
cjfa-34391	16	51	shaikh28	shaikh28	PROPN
cjfa-34391	16	52	-paced	-paced	ADJ
cjfa-34391	16	53	business	business	NOUN
cjfa-34391	16	54	models	model	NOUN
cjfa-34391	16	55	.	.	PUNCT
cjfa-34391	17	1	this	this	PRON
cjfa-34391	17	2	calls	call	VERB
cjfa-34391	17	3	for	for	ADP
cjfa-34391	17	4	deeper	deep	ADJ
cjfa-34391	17	5	understanding	understanding	NOUN
cjfa-34391	17	6	of	of	ADP
cjfa-34391	17	7	consumer	consumer	NOUN
cjfa-34391	17	8	aspirations	aspiration	NOUN
cjfa-34391	17	9	and	and	CCONJ
cjfa-34391	17	10	preferences	preference	NOUN
cjfa-34391	17	11	in	in	ADP
cjfa-34391	17	12	a	a	DET
cjfa-34391	17	13	given	give	VERB
cjfa-34391	17	14	local	local	ADJ
cjfa-34391	17	15	context	context	NOUN
cjfa-34391	17	16	.	.	PUNCT
cjfa-34391	18	1	therefore	therefore	ADV
cjfa-34391	18	2	,	,	PUNCT
cjfa-34391	18	3	this	this	DET
cjfa-34391	18	4	paper	paper	NOUN
cjfa-34391	18	5	explores	explore	VERB
cjfa-34391	18	6	the	the	DET
cjfa-34391	18	7	co	co	ADJ
cjfa-34391	18	8	-	-	ADJ
cjfa-34391	18	9	evolutionary	evolutionary	ADJ
cjfa-34391	18	10	dynamics	dynamic	NOUN
cjfa-34391	18	11	of	of	ADP
cjfa-34391	18	12	digital	digital	ADJ
cjfa-34391	18	13	financial	financial	ADJ
cjfa-34391	18	14	inclusion	inclusion	NOUN
cjfa-34391	18	15	of	of	ADP
cjfa-34391	18	16	generation	generation	NOUN
cjfa-34391	18	17	z	z	NOUN
cjfa-34391	18	18	against	against	ADP
cjfa-34391	18	19	a	a	DET
cjfa-34391	18	20	backdrop	backdrop	NOUN
cjfa-34391	18	21	of	of	ADP
cjfa-34391	18	22	limited	limited	ADJ
cjfa-34391	18	23	understanding	understanding	NOUN
cjfa-34391	18	24	of	of	ADP
cjfa-34391	18	25	the	the	DET
cjfa-34391	18	26	dynamic	dynamic	ADJ
cjfa-34391	18	27	complexity	complexity	NOUN
cjfa-34391	18	28	of	of	ADP
cjfa-34391	18	29	the	the	DET
cjfa-34391	18	30	financial	financial	ADJ
cjfa-34391	18	31	business	business	NOUN
cjfa-34391	18	32	environment	environment	NOUN
cjfa-34391	18	33	in	in	ADP
cjfa-34391	18	34	the	the	DET
cjfa-34391	18	35	digital	digital	ADJ
cjfa-34391	18	36	age	age	NOUN
cjfa-34391	18	37	.	.	PUNCT
cjfa-34391	19	1	a	a	DET
cjfa-34391	19	2	case	case	NOUN
cjfa-34391	19	3	study	study	NOUN
cjfa-34391	19	4	of	of	ADP
cjfa-34391	19	5	a	a	DET
cjfa-34391	19	6	digital	digital	ADJ
cjfa-34391	19	7	financial	financial	ADJ
cjfa-34391	19	8	ecosystem	ecosystem	NOUN
cjfa-34391	19	9	in	in	ADP
cjfa-34391	19	10	zambia	zambia	PROPN
cjfa-34391	19	11	within	within	ADP
cjfa-34391	19	12	sub	sub	ADJ
cjfa-34391	19	13	-	-	ADJ
cjfa-34391	19	14	saharan	saharan	ADJ
cjfa-34391	19	15	africa	africa	PROPN
cjfa-34391	19	16	is	be	AUX
cjfa-34391	19	17	then	then	ADV
cjfa-34391	19	18	employed	employ	VERB
cjfa-34391	19	19	herein	herein	NOUN
cjfa-34391	19	20	to	to	PART
cjfa-34391	19	21	reveal	reveal	VERB
cjfa-34391	19	22	the	the	DET
cjfa-34391	19	23	co	co	ADJ
cjfa-34391	19	24	-	-	ADJ
cjfa-34391	19	25	evolutionary	evolutionary	ADJ
cjfa-34391	19	26	dynamics	dynamic	NOUN
cjfa-34391	19	27	of	of	ADP
cjfa-34391	19	28	financial	financial	ADJ
cjfa-34391	19	29	inclusion	inclusion	NOUN
cjfa-34391	19	30	of	of	ADP
cjfa-34391	19	31	generation	generation	NOUN
cjfa-34391	19	32	z	z	NOUN
cjfa-34391	19	33	within	within	ADP
cjfa-34391	19	34	the	the	DET
cjfa-34391	19	35	framework	framework	NOUN
cjfa-34391	19	36	of	of	ADP
cjfa-34391	19	37	complex	complex	ADJ
cjfa-34391	19	38	adaptive	adaptive	ADJ
cjfa-34391	19	39	systems	system	NOUN
cjfa-34391	19	40	.	.	PUNCT
cjfa-34391	20	1	for	for	ADP
cjfa-34391	20	2	this	this	DET
cjfa-34391	20	3	purpose	purpose	NOUN
cjfa-34391	20	4	,	,	PUNCT
cjfa-34391	20	5	a	a	DET
cjfa-34391	20	6	system	system	NOUN
cjfa-34391	20	7	dynamics	dynamic	NOUN
cjfa-34391	20	8	modelling	model	VERB
cjfa-34391	20	9	tool	tool	NOUN
cjfa-34391	20	10	of	of	ADP
cjfa-34391	20	11	causal	causal	NOUN
cjfa-34391	20	12	loop	loop	NOUN
cjfa-34391	20	13	analysis	analysis	NOUN
cjfa-34391	20	14	is	be	AUX
cjfa-34391	20	15	used	use	VERB
cjfa-34391	20	16	to	to	PART
cjfa-34391	20	17	visualise	visualise	VERB
cjfa-34391	20	18	the	the	DET
cjfa-34391	20	19	co	co	ADJ
cjfa-34391	20	20	-	-	ADJ
cjfa-34391	20	21	evolutionary	evolutionary	ADJ
cjfa-34391	20	22	dynamics	dynamic	NOUN
cjfa-34391	20	23	.	.	PUNCT
cjfa-34391	21	1	the	the	DET
cjfa-34391	21	2	paper	paper	NOUN
cjfa-34391	21	3	has	have	AUX
cjfa-34391	21	4	demonstrated	demonstrate	VERB
cjfa-34391	21	5	that	that	SCONJ
cjfa-34391	21	6	digital	digital	ADJ
cjfa-34391	21	7	financial	financial	ADJ
cjfa-34391	21	8	inclusion	inclusion	NOUN
cjfa-34391	21	9	occurs	occur	VERB
cjfa-34391	21	10	within	within	ADP
cjfa-34391	21	11	a	a	DET
cjfa-34391	21	12	continuum	continuum	NOUN
cjfa-34391	21	13	of	of	ADP
cjfa-34391	21	14	co	co	ADJ
cjfa-34391	21	15	-	-	ADJ
cjfa-34391	21	16	evolutionary	evolutionary	ADJ
cjfa-34391	21	17	dynamics	dynamic	NOUN
cjfa-34391	21	18	in	in	ADP
cjfa-34391	21	19	which	which	PRON
cjfa-34391	21	20	the	the	DET
cjfa-34391	21	21	financial	financial	ADJ
cjfa-34391	21	22	institutions	institution	NOUN
cjfa-34391	21	23	build	build	VERB
cjfa-34391	21	24	consumer	consumer	NOUN
cjfa-34391	21	25	demand	demand	NOUN
cjfa-34391	21	26	for	for	ADP
cjfa-34391	21	27	digital	digital	ADJ
cjfa-34391	21	28	financial	financial	ADJ
cjfa-34391	21	29	services	service	NOUN
cjfa-34391	21	30	based	base	VERB
cjfa-34391	21	31	on	on	ADP
cjfa-34391	21	32	the	the	DET
cjfa-34391	21	33	participatory	participatory	ADJ
cjfa-34391	21	34	accountability	accountability	NOUN
cjfa-34391	21	35	and	and	CCONJ
cjfa-34391	21	36	financial	financial	ADJ
cjfa-34391	21	37	capability	capability	NOUN
cjfa-34391	21	38	of	of	ADP
cjfa-34391	21	39	the	the	DET
cjfa-34391	21	40	clientele	clientele	NOUN
cjfa-34391	21	41	.	.	PUNCT
cjfa-34391	22	1	the	the	DET
cjfa-34391	22	2	paper	paper	NOUN
cjfa-34391	22	3	concludes	conclude	VERB
cjfa-34391	22	4	that	that	SCONJ
cjfa-34391	22	5	digital	digital	ADJ
cjfa-34391	22	6	financial	financial	ADJ
cjfa-34391	22	7	inclusion	inclusion	NOUN
cjfa-34391	22	8	is	be	AUX
cjfa-34391	22	9	an	an	DET
cjfa-34391	22	10	emergent	emergent	ADJ
cjfa-34391	22	11	outcome	outcome	NOUN
cjfa-34391	22	12	of	of	ADP
cjfa-34391	22	13	the	the	DET
cjfa-34391	22	14	complex	complex	ADJ
cjfa-34391	22	15	adaptive	adaptive	ADJ
cjfa-34391	22	16	behaviour	behaviour	NOUN
cjfa-34391	22	17	of	of	ADP
cjfa-34391	22	18	a	a	DET
cjfa-34391	22	19	financial	financial	ADJ
cjfa-34391	22	20	business	business	NOUN
cjfa-34391	22	21	ecosystem	ecosystem	NOUN
cjfa-34391	22	22	in	in	ADP
cjfa-34391	22	23	the	the	DET
cjfa-34391	22	24	increasingly	increasingly	ADV
cjfa-34391	22	25	digitising	digitise	VERB
cjfa-34391	22	26	society	society	NOUN
cjfa-34391	22	27	.	.	PUNCT
cjfa-34391	23	1	therefore	therefore	ADV
cjfa-34391	23	2	,	,	PUNCT
cjfa-34391	23	3	development	development	NOUN
cjfa-34391	23	4	of	of	ADP
cjfa-34391	23	5	inclusive	inclusive	ADJ
cjfa-34391	23	6	financial	financial	ADJ
cjfa-34391	23	7	business	business	NOUN
cjfa-34391	23	8	models	model	NOUN
cjfa-34391	23	9	must	must	AUX
cjfa-34391	23	10	embrace	embrace	VERB
cjfa-34391	23	11	the	the	DET
cjfa-34391	23	12	digital	digital	ADJ
cjfa-34391	23	13	consumerism	consumerism	NOUN
cjfa-34391	23	14	of	of	ADP
cjfa-34391	23	15	the	the	DET
cjfa-34391	23	16	clientele	clientele	NOUN
cjfa-34391	23	17	,	,	PUNCT
cjfa-34391	23	18	particularly	particularly	ADV
cjfa-34391	23	19	in	in	ADP
cjfa-34391	23	20	sub	sub	ADJ
cjfa-34391	23	21	-	-	ADJ
cjfa-34391	23	22	saharan	saharan	ADJ
cjfa-34391	23	23	africa	africa	PROPN
cjfa-34391	23	24	where	where	SCONJ
cjfa-34391	23	25	there	there	PRON
cjfa-34391	23	26	is	be	VERB
cjfa-34391	23	27	a	a	DET
cjfa-34391	23	28	demographic	demographic	ADJ
cjfa-34391	23	29	boom	boom	NOUN
cjfa-34391	23	30	of	of	ADP
cjfa-34391	23	31	generation	generation	NOUN
cjfa-34391	23	32	z	z	NOUN
cjfa-34391	23	33	with	with	ADP
cjfa-34391	23	34	a	a	DET
cjfa-34391	23	35	growing	grow	VERB
cjfa-34391	23	36	propensity	propensity	NOUN
cjfa-34391	23	37	for	for	ADP
cjfa-34391	23	38	digital	digital	ADJ
cjfa-34391	23	39	consumerism	consumerism	NOUN
cjfa-34391	23	40	.	.	PUNCT
cjfa-34391	23	41	 	 	SPACE
cjfa-34391	24	1	introduction	introduction	NOUN
cjfa-34391	24	2	digitization	digitization	NOUN
cjfa-34391	24	3	is	be	AUX
cjfa-34391	24	4	rapidly	rapidly	ADV
cjfa-34391	24	5	transforming	transform	VERB
cjfa-34391	24	6	modern	modern	ADJ
cjfa-34391	24	7	lifestyles	lifestyle	NOUN
cjfa-34391	24	8	globally	globally	ADV
cjfa-34391	24	9	in	in	ADP
cjfa-34391	24	10	unprecedented	unprecedented	ADJ
cjfa-34391	24	11	ways	way	NOUN
cjfa-34391	24	12	leading	lead	VERB
cjfa-34391	24	13	to	to	ADP
cjfa-34391	24	14	a	a	DET
cjfa-34391	24	15	sociological	sociological	ADJ
cjfa-34391	24	16	construct	construct	NOUN
cjfa-34391	24	17	of	of	ADP
cjfa-34391	24	18	“	"	PUNCT
cjfa-34391	24	19	digital	digital	ADJ
cjfa-34391	24	20	society	society	NOUN
cjfa-34391	24	21	”	"	PUNCT
cjfa-34391	24	22	by	by	ADP
cjfa-34391	24	23	lupton	lupton	PROPN
cjfa-34391	24	24	(	(	PUNCT
cjfa-34391	24	25	2015	2015	NUM
cjfa-34391	24	26	)	)	PUNCT
cjfa-34391	24	27	.	.	PUNCT
cjfa-34391	25	1	the	the	DET
cjfa-34391	25	2	digital	digital	ADJ
cjfa-34391	25	3	society	society	NOUN
cjfa-34391	25	4	is	be	AUX
cjfa-34391	25	5	characterized	characterize	VERB
cjfa-34391	25	6	by	by	ADP
cjfa-34391	25	7	extensive	extensive	ADJ
cjfa-34391	25	8	utilization	utilization	NOUN
cjfa-34391	25	9	of	of	ADP
cjfa-34391	25	10	new	new	ADJ
cjfa-34391	25	11	digital	digital	ADJ
cjfa-34391	25	12	technologies	technology	NOUN
cjfa-34391	25	13	such	such	ADJ
cjfa-34391	25	14	as	as	ADP
cjfa-34391	25	15	artificial	artificial	ADJ
cjfa-34391	25	16	intelligence	intelligence	NOUN
cjfa-34391	25	17	,	,	PUNCT
cjfa-34391	25	18	cloud	cloud	NOUN
cjfa-34391	25	19	computing	computing	NOUN
cjfa-34391	25	20	,	,	PUNCT
cjfa-34391	25	21	robotics	robotic	NOUN
cjfa-34391	25	22	,	,	PUNCT
cjfa-34391	25	23	3d	3d	NUM
cjfa-34391	25	24	printing	printing	NOUN
cjfa-34391	25	25	,	,	PUNCT
cjfa-34391	25	26	the	the	DET
cjfa-34391	25	27	internet	internet	NOUN
cjfa-34391	25	28	of	of	ADP
cjfa-34391	25	29	things	thing	NOUN
cjfa-34391	25	30	and	and	CCONJ
cjfa-34391	25	31	advanced	advanced	ADJ
cjfa-34391	25	32	wireless	wireless	ADJ
cjfa-34391	25	33	technologies	technology	NOUN
cjfa-34391	25	34	.	.	PUNCT
cjfa-34391	26	1	in	in	ADP
cjfa-34391	26	2	light	light	NOUN
cjfa-34391	26	3	of	of	ADP
cjfa-34391	26	4	the	the	DET
cjfa-34391	26	5	disruptive	disruptive	ADJ
cjfa-34391	26	6	nature	nature	NOUN
cjfa-34391	26	7	and	and	CCONJ
cjfa-34391	26	8	rapid	rapid	ADJ
cjfa-34391	26	9	pace	pace	NOUN
cjfa-34391	26	10	of	of	ADP
cjfa-34391	26	11	digitization	digitization	NOUN
cjfa-34391	26	12	in	in	ADP
cjfa-34391	26	13	the	the	DET
cjfa-34391	26	14	first	first	ADJ
cjfa-34391	26	15	-	-	PUNCT
cjfa-34391	26	16	half	half	NOUN
cjfa-34391	26	17	of	of	ADP
cjfa-34391	26	18	the	the	DET
cjfa-34391	26	19	21st	21st	ADJ
cjfa-34391	26	20	century	century	NOUN
cjfa-34391	26	21	,	,	PUNCT
cjfa-34391	26	22	professor	professor	NOUN
cjfa-34391	26	23	klaus	klaus	PROPN
cjfa-34391	26	24	schwab	schwab	PROPN
cjfa-34391	26	25	,	,	PUNCT
cjfa-34391	26	26	founder	founder	NOUN
cjfa-34391	26	27	and	and	CCONJ
cjfa-34391	26	28	executive	executive	ADJ
cjfa-34391	26	29	chairman	chairman	NOUN
cjfa-34391	26	30	of	of	ADP
cjfa-34391	26	31	the	the	DET
cjfa-34391	26	32	world	world	NOUN
cjfa-34391	26	33	economic	economic	PROPN
cjfa-34391	26	34	forum	forum	PROPN
cjfa-34391	26	35	indisputably	indisputably	ADV
cjfa-34391	26	36	describes	describe	VERB
cjfa-34391	26	37	such	such	DET
cjfa-34391	26	38	a	a	DET
cjfa-34391	26	39	moment	moment	NOUN
cjfa-34391	26	40	in	in	ADP
cjfa-34391	26	41	time	time	NOUN
cjfa-34391	26	42	as	as	SCONJ
cjfa-34391	26	43	the	the	DET
cjfa-34391	26	44	fourth	fourth	PROPN
cjfa-34391	26	45	industrial	industrial	NOUN
cjfa-34391	26	46	revolution-4ir	revolution-4ir	VERB
cjfa-34391	26	47	that	that	PRON
cjfa-34391	26	48	is	be	AUX
cjfa-34391	26	49	fundamentally	fundamentally	ADV
cjfa-34391	26	50	changing	change	VERB
cjfa-34391	26	51	the	the	DET
cjfa-34391	26	52	way	way	NOUN
cjfa-34391	26	53	humans	human	NOUN
cjfa-34391	26	54	live	live	VERB
cjfa-34391	26	55	,	,	PUNCT
cjfa-34391	26	56	work	work	VERB
cjfa-34391	26	57	and	and	CCONJ
cjfa-34391	26	58	relate	relate	VERB
cjfa-34391	26	59	to	to	ADP
cjfa-34391	26	60	one	one	NUM
cjfa-34391	26	61	another	another	DET
cjfa-34391	26	62	.	.	PUNCT
cjfa-34391	27	1	the	the	DET
cjfa-34391	27	2	world	world	PROPN
cjfa-34391	27	3	economic	economic	PROPN
cjfa-34391	27	4	forum	forum	PROPN
cjfa-34391	27	5	(	(	PUNCT
cjfa-34391	27	6	2020	2020	NUM
cjfa-34391	27	7	)	)	PUNCT
cjfa-34391	27	8	accordingly	accordingly	ADV
cjfa-34391	27	9	foresees	foresee	VERB
cjfa-34391	27	10	many	many	ADJ
cjfa-34391	27	11	intended	intended	ADJ
cjfa-34391	27	12	and	and	CCONJ
cjfa-34391	27	13	unintended	unintended	ADJ
cjfa-34391	27	14	consequences	consequence	NOUN
cjfa-34391	27	15	of	of	ADP
cjfa-34391	27	16	the	the	DET
cjfa-34391	27	17	disruptive	disruptive	ADJ
cjfa-34391	27	18	nature	nature	NOUN
cjfa-34391	27	19	of	of	ADP
cjfa-34391	27	20	this	this	DET
cjfa-34391	27	21	technological	technological	ADJ
cjfa-34391	27	22	revolution	revolution	NOUN
cjfa-34391	27	23	.	.	PUNCT
cjfa-34391	28	1	with	with	ADP
cjfa-34391	28	2	regards	regard	NOUN
cjfa-34391	28	3	to	to	ADP
cjfa-34391	28	4	the	the	DET
cjfa-34391	28	5	financial	financial	ADJ
cjfa-34391	28	6	business	business	NOUN
cjfa-34391	28	7	sector	sector	NOUN
cjfa-34391	28	8	,	,	PUNCT
cjfa-34391	28	9	the	the	DET
cjfa-34391	28	10	alliance	alliance	NOUN
cjfa-34391	28	11	for	for	ADP
cjfa-34391	28	12	financial	financial	ADJ
cjfa-34391	28	13	inclusion	inclusion	NOUN
cjfa-34391	28	14	(	(	PUNCT
cjfa-34391	28	15	2019	2019	NUM
cjfa-34391	28	16	)	)	PUNCT
cjfa-34391	28	17	observes	observe	VERB
cjfa-34391	28	18	that	that	SCONJ
cjfa-34391	28	19	the	the	DET
cjfa-34391	28	20	application	application	NOUN
cjfa-34391	28	21	of	of	ADP
cjfa-34391	28	22	digital	digital	ADJ
cjfa-34391	28	23	technologies	technology	NOUN
cjfa-34391	28	24	to	to	PART
cjfa-34391	28	25	finance	finance	NOUN
cjfa-34391	28	26	has	have	AUX
cjfa-34391	28	27	ushered	usher	VERB
cjfa-34391	28	28	in	in	ADP
cjfa-34391	28	29	a	a	DET
cjfa-34391	28	30	new	new	ADJ
cjfa-34391	28	31	era	era	NOUN
cjfa-34391	28	32	of	of	ADP
cjfa-34391	28	33	digital	digital	ADJ
cjfa-34391	28	34	finance	finance	NOUN
cjfa-34391	28	35	around	around	ADP
cjfa-34391	28	36	the	the	DET
cjfa-34391	28	37	world	world	NOUN
cjfa-34391	28	38	.	.	PUNCT
cjfa-34391	29	1	to	to	ADP
cjfa-34391	29	2	this	this	DET
cjfa-34391	29	3	effect	effect	NOUN
cjfa-34391	29	4	,	,	PUNCT
cjfa-34391	29	5	ndung’u	ndung’u	NOUN
cjfa-34391	29	6	and	and	CCONJ
cjfa-34391	29	7	signé	signé	PROPN
cjfa-34391	29	8	(	(	PUNCT
cjfa-34391	29	9	2020	2020	NUM
cjfa-34391	29	10	)	)	PUNCT
cjfa-34391	29	11	assert	assert	VERB
cjfa-34391	29	12	that	that	PRON
cjfa-34391	29	13	digitization	digitization	NOUN
cjfa-34391	29	14	has	have	AUX
cjfa-34391	29	15	evidently	evidently	ADV
cjfa-34391	29	16	impacted	impact	VERB
cjfa-34391	29	17	economic	economic	ADJ
cjfa-34391	29	18	growth	growth	NOUN
cjfa-34391	29	19	through	through	ADP
cjfa-34391	29	20	inclusive	inclusive	ADJ
cjfa-34391	29	21	finance	finance	NOUN
cjfa-34391	29	22	that	that	PRON
cjfa-34391	29	23	is	be	AUX
cjfa-34391	29	24	enabling	enable	VERB
cjfa-34391	29	25	the	the	DET
cjfa-34391	29	26	unbanked	unbanked	NOUN
cjfa-34391	29	27	to	to	PART
cjfa-34391	29	28	enter	enter	VERB
cjfa-34391	29	29	formality	formality	NOUN
cjfa-34391	29	30	through	through	ADP
cjfa-34391	29	31	retail	retail	ADJ
cjfa-34391	29	32	electronic	electronic	ADJ
cjfa-34391	29	33	payments	payment	NOUN
cjfa-34391	29	34	platforms	platform	NOUN
cjfa-34391	29	35	,	,	PUNCT
cjfa-34391	29	36	virtual	virtual	ADJ
cjfa-34391	29	37	savings	saving	NOUN
cjfa-34391	29	38	and	and	CCONJ
cjfa-34391	29	39	credit	credit	NOUN
cjfa-34391	29	40	supply	supply	NOUN
cjfa-34391	29	41	technological	technological	ADJ
cjfa-34391	29	42	platforms	platform	NOUN
cjfa-34391	29	43	;	;	PUNCT
cjfa-34391	29	44	and	and	CCONJ
cjfa-34391	29	45	more	more	ADV
cjfa-34391	29	46	broadly	broadly	ADV
cjfa-34391	29	47	,	,	PUNCT
cjfa-34391	29	48	digitization	digitization	NOUN
cjfa-34391	29	49	is	be	AUX
cjfa-34391	29	50	enabling	enable	VERB
cjfa-34391	29	51	entrepreneurs	entrepreneur	NOUN
cjfa-34391	29	52	and	and	CCONJ
cjfa-34391	29	53	businesses	business	NOUN
cjfa-34391	29	54	to	to	PART
cjfa-34391	29	55	rethink	rethink	VERB
cjfa-34391	29	56	business	business	PROPN
cjfa-34391	29	57	mod	mod	PROPN
cjfa-34391	29	58	co	co	ADJ
cjfa-34391	29	59	-	-	ADJ
cjfa-34391	29	60	evolutionary	evolutionary	ADJ
cjfa-34391	29	61	dynamics	dynamic	NOUN
cjfa-34391	29	62	of	of	ADP
cjfa-34391	29	63	financial	financial	ADJ
cjfa-34391	29	64	inclusion	inclusion	NOUN
cjfa-34391	29	65	of	of	ADP
cjfa-34391	29	66	generation	generation	NOUN
cjfa-34391	29	67	z	z	X
cjfa-34391	29	68	…	…	PUNCT
cjfa-34391	29	69	29	29	NUM
cjfa-34391	29	70	els	el	NOUN
cjfa-34391	29	71	that	that	PRON
cjfa-34391	29	72	are	be	AUX
cjfa-34391	29	73	more	more	ADV
cjfa-34391	29	74	impactful	impactful	ADJ
cjfa-34391	29	75	,	,	PUNCT
cjfa-34391	29	76	sustainable	sustainable	ADJ
cjfa-34391	29	77	and	and	CCONJ
cjfa-34391	29	78	connected	connect	VERB
cjfa-34391	29	79	to	to	ADP
cjfa-34391	29	80	other	other	ADJ
cjfa-34391	29	81	sectors	sector	NOUN
cjfa-34391	29	82	of	of	ADP
cjfa-34391	29	83	the	the	DET
cjfa-34391	29	84	economy	economy	NOUN
cjfa-34391	29	85	.	.	PUNCT
cjfa-34391	30	1	the	the	DET
cjfa-34391	30	2	emergence	emergence	NOUN
cjfa-34391	30	3	of	of	ADP
cjfa-34391	30	4	financial	financial	ADJ
cjfa-34391	30	5	inclusion	inclusion	NOUN
cjfa-34391	30	6	in	in	ADP
cjfa-34391	30	7	the	the	DET
cjfa-34391	30	8	science	science	NOUN
cjfa-34391	30	9	and	and	CCONJ
cjfa-34391	30	10	policy	policy	NOUN
cjfa-34391	30	11	discourses	discourse	NOUN
cjfa-34391	30	12	is	be	AUX
cjfa-34391	30	13	an	an	DET
cjfa-34391	30	14	unintended	unintended	ADJ
cjfa-34391	30	15	outcome	outcome	NOUN
cjfa-34391	30	16	of	of	ADP
cjfa-34391	30	17	the	the	DET
cjfa-34391	30	18	interactive	interactive	ADJ
cjfa-34391	30	19	evolution	evolution	NOUN
cjfa-34391	30	20	of	of	ADP
cjfa-34391	30	21	digitization	digitization	NOUN
cjfa-34391	30	22	and	and	CCONJ
cjfa-34391	30	23	finance	finance	NOUN
cjfa-34391	30	24	.	.	PUNCT
cjfa-34391	31	1	a	a	DET
cjfa-34391	31	2	general	general	ADJ
cjfa-34391	31	3	understanding	understanding	NOUN
cjfa-34391	31	4	of	of	ADP
cjfa-34391	31	5	financial	financial	ADJ
cjfa-34391	31	6	inclusion	inclusion	NOUN
cjfa-34391	31	7	is	be	AUX
cjfa-34391	31	8	that	that	SCONJ
cjfa-34391	31	9	it	it	PRON
cjfa-34391	31	10	is	be	AUX
cjfa-34391	31	11	the	the	DET
cjfa-34391	31	12	sustainable	sustainable	ADJ
cjfa-34391	31	13	provision	provision	NOUN
cjfa-34391	31	14	of	of	ADP
cjfa-34391	31	15	affordable	affordable	ADJ
cjfa-34391	31	16	financial	financial	ADJ
cjfa-34391	31	17	services	service	NOUN
cjfa-34391	31	18	that	that	PRON
cjfa-34391	31	19	bring	bring	VERB
cjfa-34391	31	20	the	the	DET
cjfa-34391	31	21	poor	poor	ADJ
cjfa-34391	31	22	into	into	ADP
cjfa-34391	31	23	the	the	DET
cjfa-34391	31	24	formal	formal	ADJ
cjfa-34391	31	25	economy	economy	NOUN
cjfa-34391	31	26	(	(	PUNCT
cjfa-34391	31	27	united	united	PROPN
cjfa-34391	31	28	nations	nations	PROPN
cjfa-34391	31	29	,	,	PUNCT
cjfa-34391	31	30	2016	2016	NUM
cjfa-34391	31	31	)	)	PUNCT
cjfa-34391	31	32	.	.	PUNCT
cjfa-34391	32	1	in	in	ADP
cjfa-34391	32	2	a	a	DET
cjfa-34391	32	3	high	high	ADJ
cjfa-34391	32	4	-	-	PUNCT
cjfa-34391	32	5	level	level	NOUN
cjfa-34391	32	6	debate	debate	NOUN
cjfa-34391	32	7	on	on	ADP
cjfa-34391	32	8	financial	financial	ADJ
cjfa-34391	32	9	inclusion	inclusion	NOUN
cjfa-34391	32	10	in	in	ADP
cjfa-34391	32	11	the	the	DET
cjfa-34391	32	12	21st	21st	ADJ
cjfa-34391	32	13	century	century	NOUN
cjfa-34391	32	14	,	,	PUNCT
cjfa-34391	32	15	mas	mas	PROPN
cjfa-34391	32	16	and	and	CCONJ
cjfa-34391	32	17	porteous	porteous	ADJ
cjfa-34391	32	18	(	(	PUNCT
cjfa-34391	32	19	2014	2014	NUM
cjfa-34391	32	20	)	)	PUNCT
cjfa-34391	32	21	posit	posit	VERB
cjfa-34391	32	22	a	a	DET
cjfa-34391	32	23	single	single	ADJ
cjfa-34391	32	24	,	,	PUNCT
cjfa-34391	32	25	broad	broad	ADJ
cjfa-34391	32	26	vision	vision	NOUN
cjfa-34391	32	27	of	of	ADP
cjfa-34391	32	28	financial	financial	ADJ
cjfa-34391	32	29	inclusion	inclusion	NOUN
cjfa-34391	32	30	where	where	SCONJ
cjfa-34391	32	31	digital	digital	ADJ
cjfa-34391	32	32	financial	financial	ADJ
cjfa-34391	32	33	services	service	NOUN
cjfa-34391	32	34	are	be	AUX
cjfa-34391	32	35	relevant	relevant	ADJ
cjfa-34391	32	36	on	on	ADP
cjfa-34391	32	37	a	a	DET
cjfa-34391	32	38	daily	daily	ADJ
cjfa-34391	32	39	basis	basis	NOUN
cjfa-34391	32	40	for	for	ADP
cjfa-34391	32	41	the	the	DET
cjfa-34391	32	42	majority	majority	NOUN
cjfa-34391	32	43	of	of	ADP
cjfa-34391	32	44	the	the	DET
cjfa-34391	32	45	population	population	NOUN
cjfa-34391	32	46	.	.	PUNCT
cjfa-34391	33	1	ozili	ozili	NOUN
cjfa-34391	33	2	(	(	PUNCT
cjfa-34391	33	3	2018	2018	NUM
cjfa-34391	33	4	)	)	PUNCT
cjfa-34391	33	5	reiterates	reiterate	VERB
cjfa-34391	33	6	that	that	SCONJ
cjfa-34391	33	7	an	an	DET
cjfa-34391	33	8	inclusive	inclusive	ADJ
cjfa-34391	33	9	financial	financial	ADJ
cjfa-34391	33	10	system	system	NOUN
cjfa-34391	33	11	is	be	AUX
cjfa-34391	33	12	desirable	desirable	ADJ
cjfa-34391	33	13	and	and	CCONJ
cjfa-34391	33	14	promises	promise	NOUN
cjfa-34391	33	15	to	to	PART
cjfa-34391	33	16	provide	provide	VERB
cjfa-34391	33	17	opportunities	opportunity	NOUN
cjfa-34391	33	18	for	for	ADP
cjfa-34391	33	19	all	all	DET
cjfa-34391	33	20	people	people	NOUN
cjfa-34391	33	21	,	,	PUNCT
cjfa-34391	33	22	particularly	particularly	ADV
cjfa-34391	33	23	the	the	DET
cjfa-34391	33	24	poor	poor	ADJ
cjfa-34391	33	25	,	,	PUNCT
cjfa-34391	33	26	to	to	PART
cjfa-34391	33	27	access	access	VERB
cjfa-34391	33	28	and	and	CCONJ
cjfa-34391	33	29	move	move	NOUN
cjfa-34391	33	30	funds	fund	NOUN
cjfa-34391	33	31	,	,	PUNCT
cjfa-34391	33	32	grow	grow	VERB
cjfa-34391	33	33	capital	capital	NOUN
cjfa-34391	33	34	and	and	CCONJ
cjfa-34391	33	35	reduce	reduce	VERB
cjfa-34391	33	36	risk	risk	NOUN
cjfa-34391	33	37	.	.	PUNCT
cjfa-34391	34	1	this	this	DET
cjfa-34391	34	2	view	view	NOUN
cjfa-34391	34	3	has	have	AUX
cjfa-34391	34	4	echoed	echo	VERB
cjfa-34391	34	5	through	through	ADP
cjfa-34391	34	6	the	the	DET
cjfa-34391	34	7	global	global	ADJ
cjfa-34391	34	8	policy	policy	NOUN
cjfa-34391	34	9	discourse	discourse	NOUN
cjfa-34391	34	10	on	on	ADP
cjfa-34391	34	11	sustainable	sustainable	ADJ
cjfa-34391	34	12	financial	financial	ADJ
cjfa-34391	34	13	sector	sector	NOUN
cjfa-34391	34	14	development	development	NOUN
cjfa-34391	34	15	seeking	seek	VERB
cjfa-34391	34	16	to	to	PART
cjfa-34391	34	17	leave	leave	VERB
cjfa-34391	34	18	no	no	DET
cjfa-34391	34	19	one	one	NOUN
cjfa-34391	34	20	behind	behind	ADV
cjfa-34391	34	21	in	in	ADP
cjfa-34391	34	22	the	the	DET
cjfa-34391	34	23	provision	provision	NOUN
cjfa-34391	34	24	of	of	ADP
cjfa-34391	34	25	financial	financial	ADJ
cjfa-34391	34	26	products	product	NOUN
cjfa-34391	34	27	and	and	CCONJ
cjfa-34391	34	28	services	service	NOUN
cjfa-34391	34	29	.	.	PUNCT
cjfa-34391	35	1	through	through	ADP
cjfa-34391	35	2	the	the	DET
cjfa-34391	35	3	universal	universal	ADJ
cjfa-34391	35	4	financial	financial	ADJ
cjfa-34391	35	5	access	access	NOUN
cjfa-34391	35	6	by	by	ADP
cjfa-34391	35	7	2020	2020	NUM
cjfa-34391	35	8	(	(	PUNCT
cjfa-34391	35	9	world	world	PROPN
cjfa-34391	35	10	bank	bank	PROPN
cjfa-34391	35	11	,	,	PUNCT
cjfa-34391	35	12	2020	2020	NUM
cjfa-34391	35	13	)	)	PUNCT
cjfa-34391	35	14	initiative	initiative	NOUN
cjfa-34391	35	15	,	,	PUNCT
cjfa-34391	35	16	the	the	DET
cjfa-34391	35	17	world	world	PROPN
cjfa-34391	35	18	bank	bank	PROPN
cjfa-34391	35	19	envisions	envision	VERB
cjfa-34391	35	20	adults	adult	NOUN
cjfa-34391	35	21	worldwide	worldwide	ADV
cjfa-34391	35	22	,	,	PUNCT
cjfa-34391	35	23	women	woman	NOUN
cjfa-34391	35	24	and	and	CCONJ
cjfa-34391	35	25	men	man	NOUN
cjfa-34391	35	26	alike	alike	ADV
cjfa-34391	35	27	,	,	PUNCT
cjfa-34391	35	28	having	have	VERB
cjfa-34391	35	29	access	access	NOUN
cjfa-34391	35	30	to	to	ADP
cjfa-34391	35	31	a	a	DET
cjfa-34391	35	32	transaction	transaction	NOUN
cjfa-34391	35	33	account	account	NOUN
cjfa-34391	35	34	or	or	CCONJ
cjfa-34391	35	35	an	an	DET
cjfa-34391	35	36	electronic	electronic	ADJ
cjfa-34391	35	37	instrument	instrument	NOUN
cjfa-34391	35	38	to	to	PART
cjfa-34391	35	39	store	store	VERB
cjfa-34391	35	40	money	money	NOUN
cjfa-34391	35	41	,	,	PUNCT
cjfa-34391	35	42	send	send	VERB
cjfa-34391	35	43	payments	payment	NOUN
cjfa-34391	35	44	and	and	CCONJ
cjfa-34391	35	45	receive	receive	VERB
cjfa-34391	35	46	deposits	deposit	NOUN
cjfa-34391	35	47	as	as	ADP
cjfa-34391	35	48	a	a	DET
cjfa-34391	35	49	basic	basic	ADJ
cjfa-34391	35	50	building	building	NOUN
cjfa-34391	35	51	block	block	NOUN
cjfa-34391	35	52	to	to	PART
cjfa-34391	35	53	manage	manage	VERB
cjfa-34391	35	54	their	their	PRON
cjfa-34391	35	55	financial	financial	ADJ
cjfa-34391	35	56	lives	life	NOUN
cjfa-34391	35	57	.	.	PUNCT
cjfa-34391	36	1	the	the	DET
cjfa-34391	36	2	alliance	alliance	NOUN
cjfa-34391	36	3	for	for	ADP
cjfa-34391	36	4	financial	financial	ADJ
cjfa-34391	36	5	inclusion	inclusion	NOUN
cjfa-34391	36	6	(	(	PUNCT
cjfa-34391	36	7	2019	2019	NUM
cjfa-34391	36	8	)	)	PUNCT
cjfa-34391	36	9	note	note	VERB
cjfa-34391	36	10	that	that	SCONJ
cjfa-34391	36	11	financial	financial	ADJ
cjfa-34391	36	12	inclusion	inclusion	NOUN
cjfa-34391	36	13	is	be	AUX
cjfa-34391	36	14	a	a	DET
cjfa-34391	36	15	significant	significant	ADJ
cjfa-34391	36	16	international	international	ADJ
cjfa-34391	36	17	policy	policy	NOUN
cjfa-34391	36	18	goal	goal	NOUN
cjfa-34391	36	19	;	;	PUNCT
cjfa-34391	36	20	and	and	CCONJ
cjfa-34391	36	21	klapper	klapper	PROPN
cjfa-34391	36	22	,	,	PUNCT
cjfa-34391	36	23	el	el	PROPN
cjfa-34391	36	24	-	-	PUNCT
cjfa-34391	36	25	zoghbi	zoghbi	PROPN
cjfa-34391	36	26	and	and	CCONJ
cjfa-34391	36	27	hess	hess	NOUN
cjfa-34391	36	28	(	(	PUNCT
cjfa-34391	36	29	2019	2019	NUM
cjfa-34391	36	30	)	)	PUNCT
cjfa-34391	36	31	see	see	VERB
cjfa-34391	36	32	it	it	PRON
cjfa-34391	36	33	as	as	ADP
cjfa-34391	36	34	an	an	DET
cjfa-34391	36	35	enabler	enabler	NOUN
cjfa-34391	36	36	of	of	ADP
cjfa-34391	36	37	many	many	ADJ
cjfa-34391	36	38	of	of	ADP
cjfa-34391	36	39	the	the	DET
cjfa-34391	36	40	united	united	PROPN
cjfa-34391	36	41	nations	nations	PROPN
cjfa-34391	36	42	sustainable	sustainable	ADJ
cjfa-34391	36	43	development	development	NOUN
cjfa-34391	36	44	goals	goal	NOUN
cjfa-34391	36	45	-	-	PUNCT
cjfa-34391	36	46	sdgs	sdgs	ADJ
cjfa-34391	36	47	.	.	PUNCT
cjfa-34391	37	1	as	as	ADP
cjfa-34391	37	2	an	an	DET
cjfa-34391	37	3	emerging	emerge	VERB
cjfa-34391	37	4	frontier	frontier	NOUN
cjfa-34391	37	5	of	of	ADP
cjfa-34391	37	6	financial	financial	ADJ
cjfa-34391	37	7	sector	sector	NOUN
cjfa-34391	37	8	development	development	NOUN
cjfa-34391	37	9	,	,	PUNCT
cjfa-34391	37	10	digital	digital	ADJ
cjfa-34391	37	11	finance	finance	NOUN
cjfa-34391	37	12	promises	promise	VERB
cjfa-34391	37	13	welfare	welfare	NOUN
cjfa-34391	37	14	services	service	NOUN
cjfa-34391	37	15	provision	provision	NOUN
cjfa-34391	37	16	centred	centre	VERB
cjfa-34391	37	17	on	on	ADP
cjfa-34391	37	18	financial	financial	ADJ
cjfa-34391	37	19	inclusion	inclusion	NOUN
cjfa-34391	37	20	.	.	PUNCT
cjfa-34391	38	1	to	to	ADP
cjfa-34391	38	2	this	this	DET
cjfa-34391	38	3	end	end	NOUN
cjfa-34391	38	4	,	,	PUNCT
cjfa-34391	38	5	the	the	DET
cjfa-34391	38	6	united	united	PROPN
cjfa-34391	38	7	nations	nations	PROPN
cjfa-34391	38	8	(	(	PUNCT
cjfa-34391	38	9	2016	2016	NUM
cjfa-34391	38	10	)	)	PUNCT
cjfa-34391	38	11	believes	believe	VERB
cjfa-34391	38	12	that	that	SCONJ
cjfa-34391	38	13	digital	digital	ADJ
cjfa-34391	38	14	financial	financial	ADJ
cjfa-34391	38	15	services	service	NOUN
cjfa-34391	38	16	can	can	AUX
cjfa-34391	38	17	contribute	contribute	VERB
cjfa-34391	38	18	to	to	ADP
cjfa-34391	38	19	poverty	poverty	NOUN
cjfa-34391	38	20	reduction	reduction	NOUN
cjfa-34391	38	21	and	and	CCONJ
cjfa-34391	38	22	financial	financial	ADJ
cjfa-34391	38	23	inclusion	inclusion	NOUN
cjfa-34391	38	24	in	in	ADP
cjfa-34391	38	25	the	the	DET
cjfa-34391	38	26	developing	develop	VERB
cjfa-34391	38	27	economies	economy	NOUN
cjfa-34391	38	28	;	;	PUNCT
cjfa-34391	38	29	and	and	CCONJ
cjfa-34391	38	30	the	the	DET
cjfa-34391	38	31	global	global	ADJ
cjfa-34391	38	32	partnership	partnership	NOUN
cjfa-34391	38	33	for	for	ADP
cjfa-34391	38	34	financial	financial	ADJ
cjfa-34391	38	35	inclusion	inclusion	NOUN
cjfa-34391	38	36	,	,	PUNCT
cjfa-34391	38	37	gpfi	gpfi	NOUN
cjfa-34391	38	38	(	(	PUNCT
cjfa-34391	38	39	2019	2019	NUM
cjfa-34391	38	40	)	)	PUNCT
cjfa-34391	38	41	encourages	encourage	VERB
cjfa-34391	38	42	governments	government	NOUN
cjfa-34391	38	43	to	to	PART
cjfa-34391	38	44	embrace	embrace	VERB
cjfa-34391	38	45	digital	digital	ADJ
cjfa-34391	38	46	approaches	approach	NOUN
cjfa-34391	38	47	to	to	ADP
cjfa-34391	38	48	financial	financial	ADJ
cjfa-34391	38	49	inclusion	inclusion	NOUN
cjfa-34391	38	50	.	.	PUNCT
cjfa-34391	39	1	with	with	ADP
cjfa-34391	39	2	the	the	DET
cjfa-34391	39	3	digital	digital	ADJ
cjfa-34391	39	4	transformations	transformation	NOUN
cjfa-34391	39	5	currently	currently	ADV
cjfa-34391	39	6	taking	take	VERB
cjfa-34391	39	7	place	place	NOUN
cjfa-34391	39	8	in	in	ADP
cjfa-34391	39	9	the	the	DET
cjfa-34391	39	10	financial	financial	ADJ
cjfa-34391	39	11	sector	sector	NOUN
cjfa-34391	39	12	,	,	PUNCT
cjfa-34391	39	13	the	the	DET
cjfa-34391	39	14	policy	policy	NOUN
cjfa-34391	39	15	goal	goal	NOUN
cjfa-34391	39	16	of	of	ADP
cjfa-34391	39	17	financial	financial	ADJ
cjfa-34391	39	18	inclusion	inclusion	NOUN
cjfa-34391	39	19	of	of	ADP
cjfa-34391	39	20	the	the	DET
cjfa-34391	39	21	marginalized	marginalize	VERB
cjfa-34391	39	22	segments	segment	NOUN
cjfa-34391	39	23	of	of	ADP
cjfa-34391	39	24	human	human	ADJ
cjfa-34391	39	25	society	society	NOUN
cjfa-34391	39	26	is	be	AUX
cjfa-34391	39	27	realistically	realistically	ADV
cjfa-34391	39	28	achievable	achievable	ADJ
cjfa-34391	39	29	.	.	PUNCT
cjfa-34391	40	1	in	in	ADP
cjfa-34391	40	2	this	this	DET
cjfa-34391	40	3	vein	vein	NOUN
cjfa-34391	40	4	,	,	PUNCT
cjfa-34391	40	5	arner	arner	NOUN
cjfa-34391	40	6	,	,	PUNCT
cjfa-34391	40	7	barberis	barberis	NOUN
cjfa-34391	40	8	and	and	CCONJ
cjfa-34391	40	9	buckley	buckley	NOUN
cjfa-34391	40	10	(	(	PUNCT
cjfa-34391	40	11	2016	2016	NUM
cjfa-34391	40	12	)	)	PUNCT
cjfa-34391	40	13	proclaim	proclaim	VERB
cjfa-34391	40	14	that	that	SCONJ
cjfa-34391	40	15	digital	digital	ADJ
cjfa-34391	40	16	technologies	technology	NOUN
cjfa-34391	40	17	such	such	ADJ
cjfa-34391	40	18	as	as	ADP
cjfa-34391	40	19	cloud	cloud	NOUN
cjfa-34391	40	20	computing	computing	NOUN
cjfa-34391	40	21	,	,	PUNCT
cjfa-34391	40	22	smartphones	smartphone	NOUN
cjfa-34391	40	23	and	and	CCONJ
cjfa-34391	40	24	high	high	ADJ
cjfa-34391	40	25	-	-	PUNCT
cjfa-34391	40	26	speed	speed	NOUN
cjfa-34391	40	27	internet	internet	NOUN
cjfa-34391	40	28	are	be	AUX
cjfa-34391	40	29	definitely	definitely	ADV
cjfa-34391	40	30	creating	create	VERB
cjfa-34391	40	31	smart	smart	ADJ
cjfa-34391	40	32	pathways	pathway	NOUN
cjfa-34391	40	33	to	to	ADP
cjfa-34391	40	34	digital	digital	ADJ
cjfa-34391	40	35	financial	financial	ADJ
cjfa-34391	40	36	transformation	transformation	NOUN
cjfa-34391	40	37	for	for	ADP
cjfa-34391	40	38	inclusive	inclusive	ADJ
cjfa-34391	40	39	participation	participation	NOUN
cjfa-34391	40	40	of	of	ADP
cjfa-34391	40	41	the	the	DET
cjfa-34391	40	42	excluded	exclude	VERB
cjfa-34391	40	43	segments	segment	NOUN
cjfa-34391	40	44	of	of	ADP
cjfa-34391	40	45	the	the	DET
cjfa-34391	40	46	society	society	NOUN
cjfa-34391	40	47	.	.	PUNCT
cjfa-34391	41	1	the	the	DET
cjfa-34391	41	2	wave	wave	NOUN
cjfa-34391	41	3	of	of	ADP
cjfa-34391	41	4	digital	digital	ADJ
cjfa-34391	41	5	transformation	transformation	NOUN
cjfa-34391	41	6	of	of	ADP
cjfa-34391	41	7	society	society	NOUN
cjfa-34391	41	8	that	that	PRON
cjfa-34391	41	9	has	have	AUX
cjfa-34391	41	10	been	be	AUX
cjfa-34391	41	11	promulgated	promulgate	VERB
cjfa-34391	41	12	by	by	ADP
cjfa-34391	41	13	the	the	DET
cjfa-34391	41	14	fourth	fourth	PROPN
cjfa-34391	41	15	industrial	industrial	ADJ
cjfa-34391	41	16	revolution	revolution	NOUN
cjfa-34391	41	17	has	have	AUX
cjfa-34391	41	18	come	come	VERB
cjfa-34391	41	19	along	along	ADP
cjfa-34391	41	20	with	with	ADP
cjfa-34391	41	21	diana	diana	PROPN
cjfa-34391	41	22	kangwa	kangwa	PROPN
cjfa-34391	41	23	,	,	PUNCT
cjfa-34391	41	24	joseph	joseph	PROPN
cjfa-34391	41	25	thokozani	thokozani	PROPN
cjfa-34391	41	26	mwale	mwale	PROPN
cjfa-34391	41	27	,	,	PUNCT
cjfa-34391	41	28	junaid	junaid	PROPN
cjfa-34391	41	29	m.	m.	PROPN
cjfa-34391	41	30	shaikh30	shaikh30	PROPN
cjfa-34391	41	31	notable	notable	ADJ
cjfa-34391	41	32	socio	socio	NOUN
cjfa-34391	41	33	-	-	ADJ
cjfa-34391	41	34	demographic	demographic	ADJ
cjfa-34391	41	35	transitions	transition	NOUN
cjfa-34391	41	36	towards	towards	ADP
cjfa-34391	41	37	digital	digital	ADJ
cjfa-34391	41	38	consumerism	consumerism	NOUN
cjfa-34391	41	39	.	.	PUNCT
cjfa-34391	42	1	within	within	ADP
cjfa-34391	42	2	these	these	DET
cjfa-34391	42	3	transitions	transition	NOUN
cjfa-34391	42	4	,	,	PUNCT
cjfa-34391	42	5	there	there	PRON
cjfa-34391	42	6	is	be	VERB
cjfa-34391	42	7	an	an	DET
cjfa-34391	42	8	emerging	emerge	VERB
cjfa-34391	42	9	population	population	NOUN
cjfa-34391	42	10	of	of	ADP
cjfa-34391	42	11	young	young	ADJ
cjfa-34391	42	12	people	people	NOUN
cjfa-34391	42	13	,	,	PUNCT
cjfa-34391	42	14	born	bear	VERB
cjfa-34391	42	15	between	between	ADP
cjfa-34391	42	16	the	the	DET
cjfa-34391	42	17	years	year	NOUN
cjfa-34391	42	18	1995	1995	NUM
cjfa-34391	42	19	and	and	CCONJ
cjfa-34391	42	20	2010	2010	NUM
cjfa-34391	42	21	,	,	PUNCT
cjfa-34391	42	22	whose	whose	DET
cjfa-34391	42	23	consumer	consumer	NOUN
cjfa-34391	42	24	behavioural	behavioural	ADJ
cjfa-34391	42	25	characteristics	characteristic	NOUN
cjfa-34391	42	26	are	be	AUX
cjfa-34391	42	27	shaped	shape	VERB
cjfa-34391	42	28	by	by	ADP
cjfa-34391	42	29	the	the	DET
cjfa-34391	42	30	digital	digital	ADJ
cjfa-34391	42	31	age	age	NOUN
cjfa-34391	42	32	which	which	PRON
cjfa-34391	42	33	has	have	AUX
cjfa-34391	42	34	exposed	expose	VERB
cjfa-34391	42	35	them	they	PRON
cjfa-34391	42	36	to	to	ADP
cjfa-34391	42	37	the	the	DET
cjfa-34391	42	38	internet	internet	NOUN
cjfa-34391	42	39	,	,	PUNCT
cjfa-34391	42	40	social	social	ADJ
cjfa-34391	42	41	networks	network	NOUN
cjfa-34391	42	42	and	and	CCONJ
cjfa-34391	42	43	mobile	mobile	NOUN
cjfa-34391	42	44	systems	system	NOUN
cjfa-34391	42	45	.	.	PUNCT
cjfa-34391	43	1	distinctively	distinctively	ADV
cjfa-34391	43	2	describing	describe	VERB
cjfa-34391	43	3	this	this	DET
cjfa-34391	43	4	demographic	demographic	ADJ
cjfa-34391	43	5	cohort	cohort	NOUN
cjfa-34391	43	6	of	of	ADP
cjfa-34391	43	7	young	young	ADJ
cjfa-34391	43	8	people	people	NOUN
cjfa-34391	43	9	as	as	ADP
cjfa-34391	43	10	“	"	PUNCT
cjfa-34391	43	11	generation	generation	NOUN
cjfa-34391	43	12	z	z	NOUN
cjfa-34391	43	13	”	"	PUNCT
cjfa-34391	43	14	,	,	PUNCT
cjfa-34391	43	15	francis	francis	PROPN
cjfa-34391	43	16	and	and	CCONJ
cjfa-34391	43	17	hoefel	hoefel	PROPN
cjfa-34391	43	18	(	(	PUNCT
cjfa-34391	43	19	2018	2018	NUM
cjfa-34391	43	20	)	)	PUNCT
cjfa-34391	43	21	observe	observe	VERB
cjfa-34391	43	22	that	that	SCONJ
cjfa-34391	43	23	the	the	DET
cjfa-34391	43	24	digital	digital	ADJ
cjfa-34391	43	25	age	age	NOUN
cjfa-34391	43	26	has	have	AUX
cjfa-34391	43	27	produced	produce	VERB
cjfa-34391	43	28	a	a	DET
cjfa-34391	43	29	hyper	hyper	ADJ
cjfa-34391	43	30	-	-	ADJ
cjfa-34391	43	31	cognitive	cognitive	ADJ
cjfa-34391	43	32	generation	generation	NOUN
cjfa-34391	43	33	that	that	PRON
cjfa-34391	43	34	is	be	AUX
cjfa-34391	43	35	very	very	ADV
cjfa-34391	43	36	comfortable	comfortable	ADJ
cjfa-34391	43	37	with	with	ADP
cjfa-34391	43	38	collecting	collecting	NOUN
cjfa-34391	43	39	and	and	CCONJ
cjfa-34391	43	40	cross	cross	ADJ
cjfa-34391	43	41	-	-	ADJ
cjfa-34391	43	42	referencing	referencing	ADJ
cjfa-34391	43	43	many	many	ADJ
cjfa-34391	43	44	sources	source	NOUN
cjfa-34391	43	45	of	of	ADP
cjfa-34391	43	46	information	information	NOUN
cjfa-34391	43	47	,	,	PUNCT
cjfa-34391	43	48	and	and	CCONJ
cjfa-34391	43	49	with	with	ADP
cjfa-34391	43	50	integrating	integrate	VERB
cjfa-34391	43	51	virtual	virtual	ADJ
cjfa-34391	43	52	and	and	CCONJ
cjfa-34391	43	53	offline	offline	ADJ
cjfa-34391	43	54	experiences	experience	NOUN
cjfa-34391	43	55	.	.	PUNCT
cjfa-34391	44	1	the	the	DET
cjfa-34391	44	2	growing	grow	VERB
cjfa-34391	44	3	digital	digital	ADJ
cjfa-34391	44	4	consumerism	consumerism	NOUN
cjfa-34391	44	5	in	in	ADP
cjfa-34391	44	6	modern	modern	ADJ
cjfa-34391	44	7	society	society	NOUN
cjfa-34391	44	8	is	be	AUX
cjfa-34391	44	9	associated	associate	VERB
cjfa-34391	44	10	with	with	ADP
cjfa-34391	44	11	higher	high	ADJ
cjfa-34391	44	12	expectations	expectation	NOUN
cjfa-34391	44	13	of	of	ADP
cjfa-34391	44	14	customer	customer	NOUN
cjfa-34391	44	15	experience	experience	NOUN
cjfa-34391	44	16	,	,	PUNCT
cjfa-34391	44	17	and	and	CCONJ
cjfa-34391	44	18	as	as	SCONJ
cjfa-34391	44	19	such	such	DET
cjfa-34391	44	20	the	the	DET
cjfa-34391	44	21	business	business	NOUN
cjfa-34391	44	22	environment	environment	NOUN
cjfa-34391	44	23	is	be	AUX
cjfa-34391	44	24	expected	expect	VERB
cjfa-34391	44	25	to	to	PART
cjfa-34391	44	26	co	co	VERB
cjfa-34391	44	27	-	-	VERB
cjfa-34391	44	28	evolve	evolve	VERB
cjfa-34391	44	29	by	by	ADP
cjfa-34391	44	30	developing	develop	VERB
cjfa-34391	44	31	more	more	ADJ
cjfa-34391	44	32	consumer	consumer	NOUN
cjfa-34391	44	33	-	-	PUNCT
cjfa-34391	44	34	centric	centric	NOUN
cjfa-34391	44	35	,	,	PUNCT
cjfa-34391	44	36	sharingbased	sharingbased	ADJ
cjfa-34391	44	37	and	and	CCONJ
cjfa-34391	44	38	fast	fast	ADV
cjfa-34391	44	39	-	-	PUNCT
cjfa-34391	44	40	paced	pace	VERB
cjfa-34391	44	41	business	business	NOUN
cjfa-34391	44	42	models	model	NOUN
cjfa-34391	44	43	.	.	PUNCT
cjfa-34391	45	1	this	this	PRON
cjfa-34391	45	2	calls	call	VERB
cjfa-34391	45	3	for	for	ADP
cjfa-34391	45	4	deeper	deep	ADJ
cjfa-34391	45	5	understanding	understanding	NOUN
cjfa-34391	45	6	of	of	ADP
cjfa-34391	45	7	consumer	consumer	NOUN
cjfa-34391	45	8	aspirations	aspiration	NOUN
cjfa-34391	45	9	and	and	CCONJ
cjfa-34391	45	10	preferences	preference	NOUN
cjfa-34391	45	11	in	in	ADP
cjfa-34391	45	12	a	a	DET
cjfa-34391	45	13	given	give	VERB
cjfa-34391	45	14	local	local	ADJ
cjfa-34391	45	15	context	context	NOUN
cjfa-34391	45	16	.	.	PUNCT
cjfa-34391	46	1	with	with	ADP
cjfa-34391	46	2	regards	regard	NOUN
cjfa-34391	46	3	to	to	ADP
cjfa-34391	46	4	digital	digital	ADJ
cjfa-34391	46	5	financial	financial	ADJ
cjfa-34391	46	6	services	service	NOUN
cjfa-34391	46	7	(	(	PUNCT
cjfa-34391	46	8	dfs	dfs	NOUN
cjfa-34391	46	9	)	)	PUNCT
cjfa-34391	46	10	delivery	delivery	NOUN
cjfa-34391	46	11	,	,	PUNCT
cjfa-34391	46	12	buckley	buckley	NOUN
cjfa-34391	46	13	and	and	CCONJ
cjfa-34391	46	14	malady	malady	ADJ
cjfa-34391	46	15	(	(	PUNCT
cjfa-34391	46	16	2014	2014	NUM
cjfa-34391	46	17	)	)	PUNCT
cjfa-34391	46	18	explain	explain	VERB
cjfa-34391	46	19	the	the	DET
cjfa-34391	46	20	importance	importance	NOUN
cjfa-34391	46	21	of	of	ADP
cjfa-34391	46	22	financial	financial	ADJ
cjfa-34391	46	23	regulators	regulator	NOUN
cjfa-34391	46	24	understanding	understand	VERB
cjfa-34391	46	25	and	and	CCONJ
cjfa-34391	46	26	building	build	VERB
cjfa-34391	46	27	consumer	consumer	NOUN
cjfa-34391	46	28	demand	demand	NOUN
cjfa-34391	46	29	so	so	SCONJ
cjfa-34391	46	30	as	as	SCONJ
cjfa-34391	46	31	to	to	PART
cjfa-34391	46	32	encourage	encourage	VERB
cjfa-34391	46	33	sustainable	sustainable	ADJ
cjfa-34391	46	34	dfs	dfs	NOUN
cjfa-34391	46	35	ecosystems	ecosystem	NOUN
cjfa-34391	46	36	which	which	PRON
cjfa-34391	46	37	can	can	AUX
cjfa-34391	46	38	enhance	enhance	VERB
cjfa-34391	46	39	financial	financial	ADJ
cjfa-34391	46	40	inclusion	inclusion	NOUN
cjfa-34391	46	41	.	.	PUNCT
cjfa-34391	47	1	while	while	SCONJ
cjfa-34391	47	2	the	the	DET
cjfa-34391	47	3	introduction	introduction	NOUN
cjfa-34391	47	4	of	of	ADP
cjfa-34391	47	5	financial	financial	ADJ
cjfa-34391	47	6	technologies	technology	NOUN
cjfa-34391	47	7	is	be	AUX
cjfa-34391	47	8	increasingly	increasingly	ADV
cjfa-34391	47	9	seen	see	VERB
cjfa-34391	47	10	to	to	PART
cjfa-34391	47	11	be	be	AUX
cjfa-34391	47	12	a	a	DET
cjfa-34391	47	13	key	key	ADJ
cjfa-34391	47	14	driver	driver	NOUN
cjfa-34391	47	15	of	of	ADP
cjfa-34391	47	16	digital	digital	ADJ
cjfa-34391	47	17	financial	financial	ADJ
cjfa-34391	47	18	services	service	NOUN
cjfa-34391	47	19	delivery	delivery	NOUN
cjfa-34391	47	20	towards	towards	ADP
cjfa-34391	47	21	financial	financial	ADJ
cjfa-34391	47	22	inclusion	inclusion	NOUN
cjfa-34391	47	23	of	of	ADP
cjfa-34391	47	24	the	the	DET
cjfa-34391	47	25	marginalised	marginalise	VERB
cjfa-34391	47	26	segments	segment	NOUN
cjfa-34391	47	27	of	of	ADP
cjfa-34391	47	28	society	society	NOUN
cjfa-34391	47	29	,	,	PUNCT
cjfa-34391	47	30	mas	mas	PROPN
cjfa-34391	47	31	and	and	CCONJ
cjfa-34391	47	32	porteous	porteous	ADJ
cjfa-34391	47	33	(	(	PUNCT
cjfa-34391	47	34	2014	2014	NUM
cjfa-34391	47	35	)	)	PUNCT
cjfa-34391	47	36	submit	submit	VERB
cjfa-34391	47	37	that	that	SCONJ
cjfa-34391	47	38	transitioning	transition	VERB
cjfa-34391	47	39	towards	towards	ADP
cjfa-34391	47	40	financial	financial	ADJ
cjfa-34391	47	41	inclusion	inclusion	NOUN
cjfa-34391	47	42	entails	entail	VERB
cjfa-34391	47	43	digital	digital	ADJ
cjfa-34391	47	44	financial	financial	ADJ
cjfa-34391	47	45	services	service	NOUN
cjfa-34391	47	46	being	be	AUX
cjfa-34391	47	47	more	more	ADV
cjfa-34391	47	48	aware	aware	ADJ
cjfa-34391	47	49	of	of	ADP
cjfa-34391	47	50	people	people	NOUN
cjfa-34391	47	51	’s	’s	PART
cjfa-34391	47	52	circumstances	circumstance	NOUN
cjfa-34391	47	53	and	and	CCONJ
cjfa-34391	47	54	needs	need	NOUN
cjfa-34391	47	55	.	.	PUNCT
cjfa-34391	48	1	therefore	therefore	ADV
cjfa-34391	48	2	,	,	PUNCT
cjfa-34391	48	3	this	this	DET
cjfa-34391	48	4	research	research	NOUN
cjfa-34391	48	5	considers	consider	VERB
cjfa-34391	48	6	the	the	DET
cjfa-34391	48	7	circumstances	circumstance	NOUN
cjfa-34391	48	8	and	and	CCONJ
cjfa-34391	48	9	needs	need	NOUN
cjfa-34391	48	10	of	of	ADP
cjfa-34391	48	11	generation	generation	NOUN
cjfa-34391	48	12	z	z	NOUN
cjfa-34391	48	13	as	as	ADP
cjfa-34391	48	14	a	a	DET
cjfa-34391	48	15	spectrum	spectrum	NOUN
cjfa-34391	48	16	for	for	ADP
cjfa-34391	48	17	building	build	VERB
cjfa-34391	48	18	the	the	DET
cjfa-34391	48	19	consumer	consumer	NOUN
cjfa-34391	48	20	demand	demand	NOUN
cjfa-34391	48	21	for	for	ADP
cjfa-34391	48	22	digital	digital	ADJ
cjfa-34391	48	23	financial	financial	ADJ
cjfa-34391	48	24	services	service	NOUN
cjfa-34391	48	25	,	,	PUNCT
cjfa-34391	48	26	and	and	CCONJ
cjfa-34391	48	27	for	for	ADP
cjfa-34391	48	28	understanding	understand	VERB
cjfa-34391	48	29	the	the	DET
cjfa-34391	48	30	dynamics	dynamic	NOUN
cjfa-34391	48	31	of	of	ADP
cjfa-34391	48	32	financial	financial	ADJ
cjfa-34391	48	33	inclusion	inclusion	NOUN
cjfa-34391	48	34	in	in	ADP
cjfa-34391	48	35	the	the	DET
cjfa-34391	48	36	increasingly	increasingly	ADV
cjfa-34391	48	37	complex	complex	ADJ
cjfa-34391	48	38	digital	digital	ADJ
cjfa-34391	48	39	financial	financial	ADJ
cjfa-34391	48	40	ecosystem	ecosystem	NOUN
cjfa-34391	48	41	.	.	PUNCT
cjfa-34391	49	1	the	the	DET
cjfa-34391	49	2	study	study	NOUN
cjfa-34391	49	3	of	of	ADP
cjfa-34391	49	4	the	the	DET
cjfa-34391	49	5	nexus	nexus	NOUN
cjfa-34391	49	6	of	of	ADP
cjfa-34391	49	7	digital	digital	ADJ
cjfa-34391	49	8	finance	finance	NOUN
cjfa-34391	49	9	and	and	CCONJ
cjfa-34391	49	10	financial	financial	ADJ
cjfa-34391	49	11	inclusion	inclusion	NOUN
cjfa-34391	49	12	as	as	SCONJ
cjfa-34391	49	13	conceptualised	conceptualise	VERB
cjfa-34391	49	14	in	in	ADP
cjfa-34391	49	15	this	this	DET
cjfa-34391	49	16	research	research	NOUN
cjfa-34391	49	17	adopts	adopt	VERB
cjfa-34391	49	18	a	a	DET
cjfa-34391	49	19	co	co	ADJ
cjfa-34391	49	20	-	-	ADJ
cjfa-34391	49	21	evolutionary	evolutionary	ADJ
cjfa-34391	49	22	perspective	perspective	NOUN
cjfa-34391	49	23	,	,	PUNCT
cjfa-34391	49	24	which	which	PRON
cjfa-34391	49	25	is	be	AUX
cjfa-34391	49	26	founded	found	VERB
cjfa-34391	49	27	on	on	ADP
cjfa-34391	49	28	the	the	DET
cjfa-34391	49	29	biological	biological	ADJ
cjfa-34391	49	30	construct	construct	NOUN
cjfa-34391	49	31	of	of	ADP
cjfa-34391	49	32	“	"	PUNCT
cjfa-34391	49	33	co	co	NOUN
cjfa-34391	49	34	-	-	NOUN
cjfa-34391	49	35	evolution	evolution	NOUN
cjfa-34391	49	36	”	"	PUNCT
cjfa-34391	49	37	by	by	ADP
cjfa-34391	49	38	ehrlich	ehrlich	NOUN
cjfa-34391	49	39	and	and	CCONJ
cjfa-34391	49	40	raven	raven	PROPN
cjfa-34391	49	41	(	(	PUNCT
cjfa-34391	49	42	1964	1964	NUM
cjfa-34391	49	43	)	)	PUNCT
cjfa-34391	49	44	to	to	PART
cjfa-34391	49	45	describe	describe	VERB
cjfa-34391	49	46	genetic	genetic	ADJ
cjfa-34391	49	47	change	change	NOUN
cjfa-34391	49	48	of	of	ADP
cjfa-34391	49	49	one	one	NUM
cjfa-34391	49	50	species	specie	NOUN
cjfa-34391	49	51	in	in	ADP
cjfa-34391	49	52	response	response	NOUN
cjfa-34391	49	53	to	to	ADP
cjfa-34391	49	54	the	the	DET
cjfa-34391	49	55	evolution	evolution	NOUN
cjfa-34391	49	56	of	of	ADP
cjfa-34391	49	57	a	a	DET
cjfa-34391	49	58	second	second	ADJ
cjfa-34391	49	59	species	specie	NOUN
cjfa-34391	49	60	.	.	PUNCT
cjfa-34391	50	1	the	the	DET
cjfa-34391	50	2	co	co	ADJ
cjfa-34391	50	3	-	-	ADJ
cjfa-34391	50	4	evolutionary	evolutionary	ADJ
cjfa-34391	50	5	process	process	NOUN
cjfa-34391	50	6	(	(	PUNCT
cjfa-34391	50	7	thompson	thompson	NOUN
cjfa-34391	50	8	,	,	PUNCT
cjfa-34391	50	9	1994	1994	NUM
cjfa-34391	50	10	)	)	PUNCT
cjfa-34391	50	11	typically	typically	ADV
cjfa-34391	50	12	describes	describe	VERB
cjfa-34391	50	13	the	the	DET
cjfa-34391	50	14	change	change	NOUN
cjfa-34391	50	15	that	that	PRON
cjfa-34391	50	16	occurs	occur	VERB
cjfa-34391	50	17	between	between	ADP
cjfa-34391	50	18	pairs	pair	NOUN
cjfa-34391	50	19	of	of	ADP
cjfa-34391	50	20	mutually	mutually	ADV
cjfa-34391	50	21	dependent	dependent	ADJ
cjfa-34391	50	22	entities	entity	NOUN
cjfa-34391	50	23	as	as	SCONJ
cjfa-34391	50	24	each	each	DET
cjfa-34391	50	25	party	party	NOUN
cjfa-34391	50	26	exerts	exert	VERB
cjfa-34391	50	27	selective	selective	ADJ
cjfa-34391	50	28	pressures	pressure	NOUN
cjfa-34391	50	29	on	on	ADP
cjfa-34391	50	30	the	the	DET
cjfa-34391	50	31	other	other	ADJ
cjfa-34391	50	32	,	,	PUNCT
cjfa-34391	50	33	thereby	thereby	ADV
cjfa-34391	50	34	affecting	affect	VERB
cjfa-34391	50	35	each	each	DET
cjfa-34391	50	36	other	other	ADJ
cjfa-34391	50	37	’s	’s	PART
cjfa-34391	50	38	evolution	evolution	NOUN
cjfa-34391	50	39	.	.	PUNCT
cjfa-34391	51	1	thus	thus	ADV
cjfa-34391	51	2	,	,	PUNCT
cjfa-34391	51	3	co	co	NOUN
cjfa-34391	51	4	-	-	NOUN
cjfa-34391	51	5	evolution	evolution	NOUN
cjfa-34391	51	6	takes	take	VERB
cjfa-34391	51	7	many	many	ADJ
cjfa-34391	51	8	forms	form	NOUN
cjfa-34391	51	9	including	include	VERB
cjfa-34391	51	10	mutualistic	mutualistic	ADJ
cjfa-34391	51	11	,	,	PUNCT
cjfa-34391	51	12	parasitic	parasitic	ADJ
cjfa-34391	51	13	,	,	PUNCT
cjfa-34391	51	14	predatory	predatory	ADJ
cjfa-34391	51	15	and	and	CCONJ
cjfa-34391	51	16	competitive	competitive	ADJ
cjfa-34391	51	17	relationships	relationship	NOUN
cjfa-34391	51	18	between	between	ADP
cjfa-34391	51	19	species	specie	NOUN
cjfa-34391	51	20	.	.	PUNCT
cjfa-34391	52	1	the	the	DET
cjfa-34391	52	2	biological	biological	ADJ
cjfa-34391	52	3	co	co	ADJ
cjfa-34391	52	4	-	-	ADJ
cjfa-34391	52	5	evolutionary	evolutionary	ADJ
cjfa-34391	52	6	process	process	NOUN
cjfa-34391	52	7	has	have	AUX
cjfa-34391	52	8	been	be	AUX
cjfa-34391	52	9	widely	widely	ADV
cjfa-34391	52	10	adopted	adopt	VERB
cjfa-34391	52	11	and	and	CCONJ
cjfa-34391	52	12	used	use	VERB
cjfa-34391	52	13	metaphorically	metaphorically	ADV
cjfa-34391	52	14	in	in	ADP
cjfa-34391	52	15	other	other	ADJ
cjfa-34391	52	16	scien	scien	NOUN
cjfa-34391	52	17	co	co	ADJ
cjfa-34391	52	18	-	-	ADJ
cjfa-34391	52	19	evolutionary	evolutionary	ADJ
cjfa-34391	52	20	dynamics	dynamic	NOUN
cjfa-34391	52	21	of	of	ADP
cjfa-34391	52	22	financial	financial	ADJ
cjfa-34391	52	23	inclusion	inclusion	NOUN
cjfa-34391	52	24	of	of	ADP
cjfa-34391	52	25	generation	generation	NOUN
cjfa-34391	52	26	z	z	NOUN
cjfa-34391	52	27	…	…	SYM
cjfa-34391	52	28	31	31	NUM
cjfa-34391	52	29	tific	tific	ADJ
cjfa-34391	52	30	disciplines	discipline	NOUN
cjfa-34391	52	31	including	include	VERB
cjfa-34391	52	32	technology	technology	NOUN
cjfa-34391	52	33	studies	study	NOUN
cjfa-34391	52	34	(	(	PUNCT
cjfa-34391	52	35	rammel	rammel	PROPN
cjfa-34391	52	36	,	,	PUNCT
cjfa-34391	52	37	stagl	stagl	PROPN
cjfa-34391	52	38	&	&	CCONJ
cjfa-34391	52	39	wilfing	wilfing	NOUN
cjfa-34391	52	40	,	,	PUNCT
cjfa-34391	52	41	2007	2007	NUM
cjfa-34391	52	42	)	)	PUNCT
cjfa-34391	52	43	,	,	PUNCT
cjfa-34391	52	44	sociology	sociology	NOUN
cjfa-34391	52	45	(	(	PUNCT
cjfa-34391	52	46	kauffman	kauffman	PROPN
cjfa-34391	52	47	,	,	PUNCT
cjfa-34391	52	48	1993	1993	NUM
cjfa-34391	52	49	)	)	PUNCT
cjfa-34391	52	50	,	,	PUNCT
cjfa-34391	52	51	environmental	environmental	ADJ
cjfa-34391	52	52	management	management	NOUN
cjfa-34391	52	53	(	(	PUNCT
cjfa-34391	52	54	anderies	anderie	NOUN
cjfa-34391	52	55	,	,	PUNCT
cjfa-34391	52	56	janssen	janssen	PROPN
cjfa-34391	52	57	&	&	CCONJ
cjfa-34391	52	58	ostrom	ostrom	PROPN
cjfa-34391	52	59	,	,	PUNCT
cjfa-34391	52	60	2004	2004	NUM
cjfa-34391	52	61	)	)	PUNCT
cjfa-34391	52	62	,	,	PUNCT
cjfa-34391	52	63	and	and	CCONJ
cjfa-34391	52	64	business	business	NOUN
cjfa-34391	52	65	studies	study	NOUN
cjfa-34391	52	66	(	(	PUNCT
cjfa-34391	52	67	uli	uli	PROPN
cjfa-34391	52	68	,	,	PUNCT
cjfa-34391	52	69	2018	2018	NUM
cjfa-34391	52	70	)	)	PUNCT
cjfa-34391	52	71	.	.	PUNCT
cjfa-34391	53	1	the	the	DET
cjfa-34391	53	2	theoretical	theoretical	ADJ
cjfa-34391	53	3	underpinnings	underpinning	NOUN
cjfa-34391	53	4	of	of	ADP
cjfa-34391	53	5	co	co	NOUN
cjfa-34391	53	6	-	-	NOUN
cjfa-34391	53	7	evolution	evolution	NOUN
cjfa-34391	53	8	are	be	AUX
cjfa-34391	53	9	well	well	ADV
cjfa-34391	53	10	-	-	PUNCT
cjfa-34391	53	11	developed	develop	VERB
cjfa-34391	53	12	,	,	PUNCT
cjfa-34391	53	13	and	and	CCONJ
cjfa-34391	53	14	demonstrate	demonstrate	VERB
cjfa-34391	53	15	that	that	SCONJ
cjfa-34391	53	16	co	co	NOUN
cjfa-34391	53	17	-	-	NOUN
cjfa-34391	53	18	evolution	evolution	NOUN
cjfa-34391	53	19	can	can	AUX
cjfa-34391	53	20	play	play	VERB
cjfa-34391	53	21	an	an	DET
cjfa-34391	53	22	important	important	ADJ
cjfa-34391	53	23	role	role	NOUN
cjfa-34391	53	24	in	in	ADP
cjfa-34391	53	25	driving	drive	VERB
cjfa-34391	53	26	major	major	ADJ
cjfa-34391	53	27	evolutionary	evolutionary	ADJ
cjfa-34391	53	28	transitions	transition	NOUN
cjfa-34391	53	29	(	(	PUNCT
cjfa-34391	53	30	nuismer	nuismer	ADJ
cjfa-34391	53	31	,	,	PUNCT
cjfa-34391	53	32	2017	2017	NUM
cjfa-34391	53	33	)	)	PUNCT
cjfa-34391	53	34	.	.	PUNCT
cjfa-34391	54	1	in	in	ADP
cjfa-34391	54	2	the	the	DET
cjfa-34391	54	3	main	main	ADJ
cjfa-34391	54	4	,	,	PUNCT
cjfa-34391	54	5	the	the	DET
cjfa-34391	54	6	co	co	ADJ
cjfa-34391	54	7	-	-	ADJ
cjfa-34391	54	8	evolutionary	evolutionary	ADJ
cjfa-34391	54	9	research	research	NOUN
cjfa-34391	54	10	domain	domain	NOUN
cjfa-34391	54	11	tests	test	VERB
cjfa-34391	54	12	the	the	DET
cjfa-34391	54	13	hypothesis	hypothesis	NOUN
cjfa-34391	54	14	of	of	ADP
cjfa-34391	54	15	interactive	interactive	ADJ
cjfa-34391	54	16	evolution	evolution	NOUN
cjfa-34391	54	17	that	that	PRON
cjfa-34391	54	18	can	can	AUX
cjfa-34391	54	19	provide	provide	VERB
cjfa-34391	54	20	a	a	DET
cjfa-34391	54	21	useful	useful	ADJ
cjfa-34391	54	22	framework	framework	NOUN
cjfa-34391	54	23	for	for	ADP
cjfa-34391	54	24	studying	study	VERB
cjfa-34391	54	25	complex	complex	ADJ
cjfa-34391	54	26	adaptive	adaptive	ADJ
cjfa-34391	54	27	systems	system	NOUN
cjfa-34391	54	28	such	such	ADJ
cjfa-34391	54	29	as	as	ADP
cjfa-34391	54	30	“	"	PUNCT
cjfa-34391	54	31	business	business	NOUN
cjfa-34391	54	32	ecosystems	ecosystem	NOUN
cjfa-34391	54	33	”	"	PUNCT
cjfa-34391	54	34	.	.	PUNCT
cjfa-34391	55	1	business	business	NOUN
cjfa-34391	55	2	ecosystems	ecosystem	NOUN
cjfa-34391	55	3	comprise	comprise	VERB
cjfa-34391	55	4	business	business	NOUN
cjfa-34391	55	5	entities	entity	NOUN
cjfa-34391	55	6	that	that	PRON
cjfa-34391	55	7	interact	interact	VERB
cjfa-34391	55	8	and	and	CCONJ
cjfa-34391	55	9	co	co	NOUN
cjfa-34391	55	10	-	-	VERB
cjfa-34391	55	11	operate	operate	VERB
cjfa-34391	55	12	within	within	ADP
cjfa-34391	55	13	a	a	DET
cjfa-34391	55	14	specific	specific	ADJ
cjfa-34391	55	15	industry	industry	NOUN
cjfa-34391	55	16	for	for	ADP
cjfa-34391	55	17	mutual	mutual	ADJ
cjfa-34391	55	18	benefit	benefit	NOUN
cjfa-34391	55	19	(	(	PUNCT
cjfa-34391	55	20	moore	moore	PROPN
cjfa-34391	55	21	,	,	PUNCT
cjfa-34391	55	22	1996	1996	NUM
cjfa-34391	55	23	)	)	PUNCT
cjfa-34391	55	24	.	.	PUNCT
cjfa-34391	56	1	each	each	DET
cjfa-34391	56	2	business	business	NOUN
cjfa-34391	56	3	ecosystem	ecosystem	NOUN
cjfa-34391	56	4	member	member	NOUN
cjfa-34391	56	5	aims	aim	VERB
cjfa-34391	56	6	at	at	ADP
cjfa-34391	56	7	driving	drive	VERB
cjfa-34391	56	8	institutional	institutional	ADJ
cjfa-34391	56	9	and	and	CCONJ
cjfa-34391	56	10	technological	technological	ADJ
cjfa-34391	56	11	co	co	NOUN
cjfa-34391	56	12	-	-	NOUN
cjfa-34391	56	13	evolution	evolution	NOUN
cjfa-34391	56	14	across	across	ADP
cjfa-34391	56	15	the	the	DET
cjfa-34391	56	16	ecosystem	ecosystem	NOUN
cjfa-34391	56	17	in	in	ADP
cjfa-34391	56	18	order	order	NOUN
cjfa-34391	56	19	to	to	PART
cjfa-34391	56	20	become	become	VERB
cjfa-34391	56	21	the	the	DET
cjfa-34391	56	22	dominant	dominant	ADJ
cjfa-34391	56	23	and	and	CCONJ
cjfa-34391	56	24	attractive	attractive	ADJ
cjfa-34391	56	25	business	business	NOUN
cjfa-34391	56	26	ecosystem	ecosystem	NOUN
cjfa-34391	56	27	(	(	PUNCT
cjfa-34391	56	28	iansiti	iansiti	NOUN
cjfa-34391	56	29	&	&	CCONJ
cjfa-34391	56	30	levein	levein	ADJ
cjfa-34391	56	31	,	,	PUNCT
cjfa-34391	56	32	2004	2004	NUM
cjfa-34391	56	33	)	)	PUNCT
cjfa-34391	56	34	.	.	PUNCT
cjfa-34391	57	1	in	in	ADP
cjfa-34391	57	2	so	so	ADV
cjfa-34391	57	3	far	far	ADV
cjfa-34391	57	4	as	as	SCONJ
cjfa-34391	57	5	business	business	NOUN
cjfa-34391	57	6	ecosystems	ecosystem	NOUN
cjfa-34391	57	7	behave	behave	VERB
cjfa-34391	57	8	as	as	ADP
cjfa-34391	57	9	dynamic	dynamic	ADJ
cjfa-34391	57	10	systems	system	NOUN
cjfa-34391	57	11	of	of	ADP
cjfa-34391	57	12	agents	agent	NOUN
cjfa-34391	57	13	and	and	CCONJ
cjfa-34391	57	14	organisations	organisation	NOUN
cjfa-34391	57	15	that	that	PRON
cjfa-34391	57	16	experiment	experiment	NOUN
cjfa-34391	57	17	,	,	PUNCT
cjfa-34391	57	18	explore	explore	VERB
cjfa-34391	57	19	,	,	PUNCT
cjfa-34391	57	20	self	self	NOUN
cjfa-34391	57	21	-	-	PUNCT
cjfa-34391	57	22	organise	organise	ADJ
cjfa-34391	57	23	,	,	PUNCT
cjfa-34391	57	24	learn	learn	VERB
cjfa-34391	57	25	and	and	CCONJ
cjfa-34391	57	26	adapt	adapt	VERB
cjfa-34391	57	27	to	to	ADP
cjfa-34391	57	28	changes	change	NOUN
cjfa-34391	57	29	in	in	ADP
cjfa-34391	57	30	their	their	PRON
cjfa-34391	57	31	environment	environment	NOUN
cjfa-34391	57	32	,	,	PUNCT
cjfa-34391	57	33	they	they	PRON
cjfa-34391	57	34	can	can	AUX
cjfa-34391	57	35	be	be	AUX
cjfa-34391	57	36	described	describe	VERB
cjfa-34391	57	37	as	as	ADP
cjfa-34391	57	38	complex	complex	ADJ
cjfa-34391	57	39	adaptive	adaptive	ADJ
cjfa-34391	57	40	systems	system	NOUN
cjfa-34391	57	41	(	(	PUNCT
cjfa-34391	57	42	axelrod	axelrod	PROPN
cjfa-34391	57	43	&	&	CCONJ
cjfa-34391	57	44	cohen	cohen	PROPN
cjfa-34391	57	45	,	,	PUNCT
cjfa-34391	57	46	2001	2001	NUM
cjfa-34391	57	47	)	)	PUNCT
cjfa-34391	57	48	.	.	PUNCT
cjfa-34391	58	1	within	within	ADP
cjfa-34391	58	2	the	the	DET
cjfa-34391	58	3	co	co	ADJ
cjfa-34391	58	4	-	-	ADJ
cjfa-34391	58	5	evolutionary	evolutionary	ADJ
cjfa-34391	58	6	research	research	NOUN
cjfa-34391	58	7	domain	domain	NOUN
cjfa-34391	58	8	,	,	PUNCT
cjfa-34391	58	9	the	the	DET
cjfa-34391	58	10	study	study	NOUN
cjfa-34391	58	11	of	of	ADP
cjfa-34391	58	12	complex	complex	ADJ
cjfa-34391	58	13	adaptive	adaptive	ADJ
cjfa-34391	58	14	systems	system	NOUN
cjfa-34391	58	15	is	be	AUX
cjfa-34391	58	16	increasingly	increasingly	ADV
cjfa-34391	58	17	seen	see	VERB
cjfa-34391	58	18	as	as	ADP
cjfa-34391	58	19	a	a	DET
cjfa-34391	58	20	scientific	scientific	ADJ
cjfa-34391	58	21	frontier	frontier	NOUN
cjfa-34391	58	22	transcending	transcend	VERB
cjfa-34391	58	23	the	the	DET
cjfa-34391	58	24	natural	natural	ADJ
cjfa-34391	58	25	and	and	CCONJ
cjfa-34391	58	26	social	social	ADJ
cjfa-34391	58	27	science	science	NOUN
cjfa-34391	58	28	disciplines	discipline	NOUN
cjfa-34391	58	29	and	and	CCONJ
cjfa-34391	58	30	having	have	VERB
cjfa-34391	58	31	a	a	DET
cjfa-34391	58	32	profound	profound	ADJ
cjfa-34391	58	33	effect	effect	NOUN
cjfa-34391	58	34	on	on	ADP
cjfa-34391	58	35	the	the	DET
cjfa-34391	58	36	future	future	NOUN
cjfa-34391	58	37	of	of	ADP
cjfa-34391	58	38	science	science	NOUN
cjfa-34391	58	39	,	,	PUNCT
cjfa-34391	58	40	engineering	engineering	NOUN
cjfa-34391	58	41	and	and	CCONJ
cjfa-34391	58	42	industry	industry	NOUN
cjfa-34391	58	43	.	.	PUNCT
cjfa-34391	59	1	to	to	PART
cjfa-34391	59	2	model	model	VERB
cjfa-34391	59	3	the	the	DET
cjfa-34391	59	4	co	co	ADJ
cjfa-34391	59	5	-	-	ADJ
cjfa-34391	59	6	evolutionary	evolutionary	ADJ
cjfa-34391	59	7	dynamics	dynamic	NOUN
cjfa-34391	59	8	of	of	ADP
cjfa-34391	59	9	financial	financial	ADJ
cjfa-34391	59	10	inclusion	inclusion	NOUN
cjfa-34391	59	11	,	,	PUNCT
cjfa-34391	59	12	the	the	DET
cjfa-34391	59	13	financial	financial	ADJ
cjfa-34391	59	14	ecosystem	ecosystem	NOUN
cjfa-34391	59	15	is	be	AUX
cjfa-34391	59	16	herein	herein	ADV
cjfa-34391	59	17	reasonably	reasonably	ADV
cjfa-34391	59	18	considered	consider	VERB
cjfa-34391	59	19	as	as	ADP
cjfa-34391	59	20	a	a	DET
cjfa-34391	59	21	complex	complex	ADJ
cjfa-34391	59	22	adaptive	adaptive	ADJ
cjfa-34391	59	23	system	system	NOUN
cjfa-34391	59	24	whose	whose	DET
cjfa-34391	59	25	functionality	functionality	NOUN
cjfa-34391	59	26	depends	depend	VERB
cjfa-34391	59	27	on	on	ADP
cjfa-34391	59	28	the	the	DET
cjfa-34391	59	29	interactive	interactive	ADJ
cjfa-34391	59	30	evolution	evolution	NOUN
cjfa-34391	59	31	of	of	ADP
cjfa-34391	59	32	its	its	PRON
cjfa-34391	59	33	constituent	constituent	ADJ
cjfa-34391	59	34	entities	entity	NOUN
cjfa-34391	59	35	that	that	PRON
cjfa-34391	59	36	interact	interact	VERB
cjfa-34391	59	37	in	in	ADP
cjfa-34391	59	38	complex	complex	ADJ
cjfa-34391	59	39	ways	way	NOUN
cjfa-34391	59	40	.	.	PUNCT
cjfa-34391	60	1	the	the	DET
cjfa-34391	60	2	interacting	interact	VERB
cjfa-34391	60	3	entities	entity	NOUN
cjfa-34391	60	4	are	be	AUX
cjfa-34391	60	5	the	the	DET
cjfa-34391	60	6	customers	customer	NOUN
cjfa-34391	60	7	and	and	CCONJ
cjfa-34391	60	8	financial	financial	ADJ
cjfa-34391	60	9	service	service	NOUN
cjfa-34391	60	10	providers	provider	NOUN
cjfa-34391	60	11	,	,	PUNCT
cjfa-34391	60	12	which	which	PRON
cjfa-34391	60	13	respectively	respectively	ADV
cjfa-34391	60	14	constitute	constitute	VERB
cjfa-34391	60	15	the	the	DET
cjfa-34391	60	16	demand	demand	NOUN
cjfa-34391	60	17	and	and	CCONJ
cjfa-34391	60	18	supply	supply	NOUN
cjfa-34391	60	19	sides	side	NOUN
cjfa-34391	60	20	of	of	ADP
cjfa-34391	60	21	the	the	DET
cjfa-34391	60	22	complex	complex	ADJ
cjfa-34391	60	23	financial	financial	ADJ
cjfa-34391	60	24	ecosystem	ecosystem	NOUN
cjfa-34391	60	25	.	.	PUNCT
cjfa-34391	61	1	therefore	therefore	ADV
cjfa-34391	61	2	,	,	PUNCT
cjfa-34391	61	3	the	the	DET
cjfa-34391	61	4	conceptual	conceptual	ADJ
cjfa-34391	61	5	model	model	NOUN
cjfa-34391	61	6	for	for	ADP
cjfa-34391	61	7	the	the	DET
cjfa-34391	61	8	study	study	NOUN
cjfa-34391	61	9	(	(	PUNCT
cjfa-34391	61	10	see	see	VERB
cjfa-34391	61	11	figure	figure	NOUN
cjfa-34391	61	12	1	1	NUM
cjfa-34391	61	13	)	)	PUNCT
cjfa-34391	61	14	is	be	AUX
cjfa-34391	61	15	based	base	VERB
cjfa-34391	61	16	on	on	ADP
cjfa-34391	61	17	the	the	DET
cjfa-34391	61	18	building	building	NOUN
cjfa-34391	61	19	blocks	block	NOUN
cjfa-34391	61	20	of	of	ADP
cjfa-34391	61	21	digital	digital	ADJ
cjfa-34391	61	22	financial	financial	ADJ
cjfa-34391	61	23	inclusion	inclusion	NOUN
cjfa-34391	61	24	herein	herein	NOUN
cjfa-34391	61	25	conceptualised	conceptualise	VERB
cjfa-34391	61	26	as	as	ADP
cjfa-34391	61	27	financial	financial	ADJ
cjfa-34391	61	28	capability	capability	NOUN
cjfa-34391	61	29	,	,	PUNCT
cjfa-34391	61	30	bidding	bidding	NOUN
cjfa-34391	61	31	strategies	strategy	NOUN
cjfa-34391	61	32	and	and	CCONJ
cjfa-34391	61	33	digital	digital	ADJ
cjfa-34391	61	34	consumerism	consumerism	NOUN
cjfa-34391	61	35	of	of	ADP
cjfa-34391	61	36	the	the	DET
cjfa-34391	61	37	clientele	clientele	NOUN
cjfa-34391	61	38	on	on	ADP
cjfa-34391	61	39	the	the	DET
cjfa-34391	61	40	demand	demand	NOUN
cjfa-34391	61	41	side	side	NOUN
cjfa-34391	61	42	;	;	PUNCT
cjfa-34391	61	43	and	and	CCONJ
cjfa-34391	61	44	of	of	ADP
cjfa-34391	61	45	the	the	DET
cjfa-34391	61	46	availability	availability	NOUN
cjfa-34391	61	47	and	and	CCONJ
cjfa-34391	61	48	accessibility	accessibility	NOUN
cjfa-34391	61	49	of	of	ADP
cjfa-34391	61	50	financial	financial	ADJ
cjfa-34391	61	51	products	product	NOUN
cjfa-34391	61	52	,	,	PUNCT
cjfa-34391	61	53	regulatory	regulatory	ADJ
cjfa-34391	61	54	frameworks	framework	NOUN
cjfa-34391	61	55	and	and	CCONJ
cjfa-34391	61	56	financial	financial	ADJ
cjfa-34391	61	57	technology	technology	NOUN
cjfa-34391	61	58	on	on	ADP
cjfa-34391	61	59	the	the	DET
cjfa-34391	61	60	supply	supply	NOUN
cjfa-34391	61	61	side	side	NOUN
cjfa-34391	61	62	of	of	ADP
cjfa-34391	61	63	the	the	DET
cjfa-34391	61	64	financial	financial	ADJ
cjfa-34391	61	65	ecosystem	ecosystem	NOUN
cjfa-34391	61	66	.	.	PUNCT
cjfa-34391	62	1	diana	diana	PROPN
cjfa-34391	62	2	kangwa	kangwa	PROPN
cjfa-34391	62	3	,	,	PUNCT
cjfa-34391	62	4	joseph	joseph	PROPN
cjfa-34391	62	5	thokozani	thokozani	PROPN
cjfa-34391	62	6	mwale	mwale	PROPN
cjfa-34391	62	7	,	,	PUNCT
cjfa-34391	62	8	junaid	junaid	VERB
cjfa-34391	62	9	m.	m.	PROPN
cjfa-34391	62	10	shaikh32	shaikh32	PROPN
cjfa-34391	62	11	figure	figure	VERB
cjfa-34391	62	12	1	1	NUM
cjfa-34391	62	13	.	.	PUNCT
cjfa-34391	62	14	conceptual	conceptual	ADJ
cjfa-34391	62	15	model	model	NOUN
cjfa-34391	62	16	for	for	ADP
cjfa-34391	62	17	understanding	understand	VERB
cjfa-34391	62	18	the	the	DET
cjfa-34391	62	19	co	co	ADJ
cjfa-34391	62	20	-	-	ADJ
cjfa-34391	62	21	evolutionary	evolutionary	ADJ
cjfa-34391	62	22	dynamics	dynamic	NOUN
cjfa-34391	62	23	of	of	ADP
cjfa-34391	62	24	financial	financial	ADJ
cjfa-34391	62	25	inclusion	inclusion	NOUN
cjfa-34391	62	26	of	of	ADP
cjfa-34391	62	27	generation	generation	NOUN
cjfa-34391	62	28	z	z	NOUN
cjfa-34391	62	29	s	s	PART
cjfa-34391	62	30	o	o	X
cjfa-34391	62	31	u	u	NOUN
cjfa-34391	62	32	r	r	NOUN
cjfa-34391	62	33	c	c	NOUN
cjfa-34391	62	34	e	e	NOUN
cjfa-34391	62	35	:	:	PUNCT
cjfa-34391	62	36	own	own	ADJ
cjfa-34391	62	37	study	study	NOUN
cjfa-34391	62	38	.	.	PUNCT
cjfa-34391	63	1	on	on	ADP
cjfa-34391	63	2	the	the	DET
cjfa-34391	63	3	demand	demand	NOUN
cjfa-34391	63	4	-	-	PUNCT
cjfa-34391	63	5	side	side	NOUN
cjfa-34391	63	6	of	of	ADP
cjfa-34391	63	7	the	the	DET
cjfa-34391	63	8	financial	financial	ADJ
cjfa-34391	63	9	ecosystem	ecosystem	NOUN
cjfa-34391	63	10	,	,	PUNCT
cjfa-34391	63	11	financial	financial	ADJ
cjfa-34391	63	12	capability	capability	NOUN
cjfa-34391	63	13	is	be	AUX
cjfa-34391	63	14	considered	consider	VERB
cjfa-34391	63	15	an	an	DET
cjfa-34391	63	16	essential	essential	ADJ
cjfa-34391	63	17	ingredient	ingredient	NOUN
cjfa-34391	63	18	for	for	ADP
cjfa-34391	63	19	building	build	VERB
cjfa-34391	63	20	consumer	consumer	NOUN
cjfa-34391	63	21	demand	demand	NOUN
cjfa-34391	63	22	for	for	ADP
cjfa-34391	63	23	financial	financial	ADJ
cjfa-34391	63	24	inclusion	inclusion	NOUN
cjfa-34391	63	25	.	.	PUNCT
cjfa-34391	64	1	financial	financial	ADJ
cjfa-34391	64	2	capability	capability	NOUN
cjfa-34391	64	3	is	be	AUX
cjfa-34391	64	4	based	base	VERB
cjfa-34391	64	5	on	on	ADP
cjfa-34391	64	6	the	the	DET
cjfa-34391	64	7	functional	functional	ADJ
cjfa-34391	64	8	knowledge	knowledge	NOUN
cjfa-34391	64	9	of	of	ADP
cjfa-34391	64	10	the	the	DET
cjfa-34391	64	11	financial	financial	ADJ
cjfa-34391	64	12	concepts	concept	NOUN
cjfa-34391	64	13	,	,	PUNCT
cjfa-34391	64	14	financial	financial	ADJ
cjfa-34391	64	15	products	product	NOUN
cjfa-34391	64	16	and	and	CCONJ
cjfa-34391	64	17	financial	financial	ADJ
cjfa-34391	64	18	behaviour	behaviour	NOUN
cjfa-34391	64	19	and	and	CCONJ
cjfa-34391	64	20	attitudes	attitude	NOUN
cjfa-34391	64	21	.	.	PUNCT
cjfa-34391	65	1	financial	financial	ADJ
cjfa-34391	65	2	literacy	literacy	NOUN
cjfa-34391	65	3	refers	refer	VERB
cjfa-34391	65	4	to	to	ADP
cjfa-34391	65	5	being	be	AUX
cjfa-34391	65	6	in	in	ADP
cjfa-34391	65	7	possession	possession	NOUN
cjfa-34391	65	8	of	of	ADP
cjfa-34391	65	9	skills	skill	NOUN
cjfa-34391	65	10	and	and	CCONJ
cjfa-34391	65	11	knowledge	knowledge	NOUN
cjfa-34391	65	12	that	that	PRON
cjfa-34391	65	13	allows	allow	VERB
cjfa-34391	65	14	an	an	DET
cjfa-34391	65	15	individual	individual	NOUN
cjfa-34391	65	16	to	to	PART
cjfa-34391	65	17	make	make	VERB
cjfa-34391	65	18	informed	informed	ADJ
cjfa-34391	65	19	and	and	CCONJ
cjfa-34391	65	20	effective	effective	ADJ
cjfa-34391	65	21	decisions	decision	NOUN
cjfa-34391	65	22	about	about	ADP
cjfa-34391	65	23	the	the	DET
cjfa-34391	65	24	available	available	ADJ
cjfa-34391	65	25	financial	financial	ADJ
cjfa-34391	65	26	resources	resource	NOUN
cjfa-34391	65	27	.	.	PUNCT
cjfa-34391	66	1	a	a	DET
cjfa-34391	66	2	financially	financially	ADV
cjfa-34391	66	3	literate	literate	ADJ
cjfa-34391	66	4	individual	individual	NOUN
cjfa-34391	66	5	has	have	VERB
cjfa-34391	66	6	then	then	ADV
cjfa-34391	66	7	the	the	DET
cjfa-34391	66	8	ability	ability	NOUN
cjfa-34391	66	9	to	to	PART
cjfa-34391	66	10	understand	understand	VERB
cjfa-34391	66	11	and	and	CCONJ
cjfa-34391	66	12	effectively	effectively	ADV
cjfa-34391	66	13	use	use	VERB
cjfa-34391	66	14	various	various	ADJ
cjfa-34391	66	15	financial	financial	ADJ
cjfa-34391	66	16	skills	skill	NOUN
cjfa-34391	66	17	including	include	VERB
cjfa-34391	66	18	personal	personal	ADJ
cjfa-34391	66	19	financial	financial	ADJ
cjfa-34391	66	20	management	management	NOUN
cjfa-34391	66	21	,	,	PUNCT
cjfa-34391	66	22	budgeting	budgeting	NOUN
cjfa-34391	66	23	and	and	CCONJ
cjfa-34391	66	24	investing	investing	NOUN
cjfa-34391	66	25	(	(	PUNCT
cjfa-34391	66	26	fernando	fernando	PROPN
cjfa-34391	66	27	,	,	PUNCT
cjfa-34391	66	28	2020	2020	NUM
cjfa-34391	66	29	)	)	PUNCT
cjfa-34391	66	30	.	.	PUNCT
cjfa-34391	67	1	with	with	ADP
cjfa-34391	67	2	the	the	DET
cjfa-34391	67	3	functional	functional	ADJ
cjfa-34391	67	4	knowledge	knowledge	NOUN
cjfa-34391	67	5	of	of	ADP
cjfa-34391	67	6	financial	financial	ADJ
cjfa-34391	67	7	concepts	concept	NOUN
cjfa-34391	67	8	,	,	PUNCT
cjfa-34391	67	9	an	an	DET
cjfa-34391	67	10	individual	individual	NOUN
cjfa-34391	67	11	can	can	AUX
cjfa-34391	67	12	easily	easily	ADV
cjfa-34391	67	13	learn	learn	VERB
cjfa-34391	67	14	about	about	ADP
cjfa-34391	67	15	the	the	DET
cjfa-34391	67	16	financial	financial	ADJ
cjfa-34391	67	17	products	product	NOUN
cjfa-34391	67	18	offered	offer	VERB
cjfa-34391	67	19	by	by	ADP
cjfa-34391	67	20	the	the	DET
cjfa-34391	67	21	financial	financial	ADJ
cjfa-34391	67	22	service	service	NOUN
cjfa-34391	67	23	providers	provider	NOUN
cjfa-34391	67	24	in	in	ADP
cjfa-34391	67	25	the	the	DET
cjfa-34391	67	26	market	market	NOUN
cjfa-34391	67	27	.	.	PUNCT
cjfa-34391	68	1	accordingly	accordingly	ADV
cjfa-34391	68	2	,	,	PUNCT
cjfa-34391	68	3	financial	financial	ADJ
cjfa-34391	68	4	literacy	literacy	NOUN
cjfa-34391	68	5	shapes	shape	VERB
cjfa-34391	68	6	the	the	DET
cjfa-34391	68	7	financial	financial	ADJ
cjfa-34391	68	8	behaviours	behaviour	NOUN
cjfa-34391	68	9	and	and	CCONJ
cjfa-34391	68	10	attitudes	attitude	NOUN
cjfa-34391	68	11	of	of	ADP
cjfa-34391	68	12	an	an	DET
cjfa-34391	68	13	individual	individual	NOUN
cjfa-34391	68	14	to	to	PART
cjfa-34391	68	15	live	live	VERB
cjfa-34391	68	16	within	within	ADP
cjfa-34391	68	17	his	his	PRON
cjfa-34391	68	18	or	or	CCONJ
cjfa-34391	68	19	her	her	PRON
cjfa-34391	68	20	means	mean	NOUN
cjfa-34391	68	21	.	.	PUNCT
cjfa-34391	69	1	furthermore	furthermore	ADV
cjfa-34391	69	2	,	,	PUNCT
cjfa-34391	69	3	financial	financial	ADJ
cjfa-34391	69	4	literacy	literacy	NOUN
cjfa-34391	69	5	is	be	AUX
cjfa-34391	69	6	conceptually	conceptually	ADV
cjfa-34391	69	7	linked	link	VERB
cjfa-34391	69	8	to	to	ADP
cjfa-34391	69	9	financial	financial	ADJ
cjfa-34391	69	10	inclusion	inclusion	NOUN
cjfa-34391	69	11	as	as	SCONJ
cjfa-34391	69	12	evidenced	evidence	VERB
cjfa-34391	69	13	by	by	ADP
cjfa-34391	69	14	cole	cole	PROPN
cjfa-34391	69	15	,	,	PUNCT
cjfa-34391	69	16	thomas	thomas	PROPN
cjfa-34391	69	17	and	and	CCONJ
cjfa-34391	69	18	bilal	bilal	PROPN
cjfa-34391	69	19	(	(	PUNCT
cjfa-34391	69	20	2009	2009	NUM
cjfa-34391	69	21	)	)	PUNCT
cjfa-34391	69	22	who	who	PRON
cjfa-34391	69	23	found	find	VERB
cjfa-34391	69	24	financial	financial	ADJ
cjfa-34391	69	25	literacy	literacy	NOUN
cjfa-34391	69	26	to	to	PART
cjfa-34391	69	27	be	be	AUX
cjfa-34391	69	28	an	an	DET
cjfa-34391	69	29	important	important	ADJ
cjfa-34391	69	30	factor	factor	NOUN
cjfa-34391	69	31	in	in	ADP
cjfa-34391	69	32	determining	determine	VERB
cjfa-34391	69	33	the	the	DET
cjfa-34391	69	34	demand	demand	NOUN
cjfa-34391	69	35	for	for	ADP
cjfa-34391	69	36	financial	financial	ADJ
cjfa-34391	69	37	products	product	NOUN
cjfa-34391	69	38	,	,	PUNCT
cjfa-34391	69	39	especially	especially	ADV
cjfa-34391	69	40	among	among	ADP
cjfa-34391	69	41	uneducated	uneducated	ADJ
cjfa-34391	69	42	and	and	CCONJ
cjfa-34391	69	43	financially	financially	ADV
cjfa-34391	69	44	illiterate	illiterate	ADJ
cjfa-34391	69	45	segments	segment	NOUN
cjfa-34391	69	46	of	of	ADP
cjfa-34391	69	47	the	the	DET
cjfa-34391	69	48	population	population	NOUN
cjfa-34391	69	49	.	.	PUNCT
cjfa-34391	70	1	another	another	DET
cjfa-34391	70	2	important	important	ADJ
cjfa-34391	70	3	concept	concept	NOUN
cjfa-34391	70	4	on	on	ADP
cjfa-34391	70	5	the	the	DET
cjfa-34391	70	6	demand	demand	NOUN
cjfa-34391	70	7	-	-	PUNCT
cjfa-34391	70	8	side	side	NOUN
cjfa-34391	70	9	of	of	ADP
cjfa-34391	70	10	the	the	DET
cjfa-34391	70	11	financial	financial	ADJ
cjfa-34391	70	12	ecosystem	ecosystem	NOUN
cjfa-34391	70	13	considered	consider	VERB
cjfa-34391	70	14	in	in	ADP
cjfa-34391	70	15	this	this	DET
cjfa-34391	70	16	study	study	NOUN
cjfa-34391	70	17	is	be	AUX
cjfa-34391	70	18	the	the	DET
cjfa-34391	70	19	bidding	bidding	NOUN
cjfa-34391	70	20	strategy	strategy	NOUN
cjfa-34391	70	21	of	of	ADP
cjfa-34391	70	22	the	the	DET
cjfa-34391	70	23	clientele	clientele	NOUN
cjfa-34391	70	24	for	for	ADP
cjfa-34391	70	25	financial	financial	ADJ
cjfa-34391	70	26	inclusion	inclusion	NOUN
cjfa-34391	70	27	.	.	PUNCT
cjfa-34391	71	1	a	a	DET
cjfa-34391	71	2	bidding	bidding	NOUN
cjfa-34391	71	3	strategy	strategy	NOUN
cjfa-34391	71	4	is	be	AUX
cjfa-34391	71	5	in	in	ADP
cjfa-34391	71	6	this	this	DET
cjfa-34391	71	7	context	context	NOUN
cjfa-34391	71	8	considered	consider	VERB
cjfa-34391	71	9	as	as	ADP
cjfa-34391	71	10	an	an	DET
cjfa-34391	71	11	objective	objective	ADJ
cjfa-34391	71	12	function	function	NOUN
cjfa-34391	71	13	of	of	ADP
cjfa-34391	71	14	the	the	DET
cjfa-34391	71	15	clientele	clientele	NOUN
cjfa-34391	71	16	to	to	PART
cjfa-34391	71	17	participate	participate	VERB
cjfa-34391	71	18	in	in	ADP
cjfa-34391	71	19	the	the	DET
cjfa-34391	71	20	formal	formal	ADJ
cjfa-34391	71	21	financial	financial	ADJ
cjfa-34391	71	22	sector	sector	NOUN
cjfa-34391	71	23	in	in	ADP
cjfa-34391	71	24	such	such	DET
cjfa-34391	71	25	a	a	DET
cjfa-34391	71	26	manner	manner	NOUN
cjfa-34391	71	27	co	co	ADJ
cjfa-34391	71	28	-	-	ADJ
cjfa-34391	71	29	evolutionary	evolutionary	ADJ
cjfa-34391	71	30	dynamics	dynamic	NOUN
cjfa-34391	71	31	of	of	ADP
cjfa-34391	71	32	financial	financial	ADJ
cjfa-34391	71	33	inclusion	inclusion	NOUN
cjfa-34391	71	34	of	of	ADP
cjfa-34391	71	35	generation	generation	NOUN
cjfa-34391	71	36	z	z	NOUN
cjfa-34391	71	37	…	…	PUNCT
cjfa-34391	71	38	33	33	NUM
cjfa-34391	71	39	that	that	PRON
cjfa-34391	71	40	maximises	maximise	VERB
cjfa-34391	71	41	customer	customer	NOUN
cjfa-34391	71	42	satisfaction	satisfaction	NOUN
cjfa-34391	71	43	.	.	PUNCT
cjfa-34391	72	1	the	the	DET
cjfa-34391	72	2	bidding	bidding	NOUN
cjfa-34391	72	3	strategies	strategy	NOUN
cjfa-34391	72	4	are	be	AUX
cjfa-34391	72	5	determined	determine	VERB
cjfa-34391	72	6	by	by	ADP
cjfa-34391	72	7	the	the	DET
cjfa-34391	72	8	customer	customer	NOUN
cjfa-34391	72	9	perception	perception	NOUN
cjfa-34391	72	10	of	of	ADP
cjfa-34391	72	11	financial	financial	ADJ
cjfa-34391	72	12	services	service	NOUN
cjfa-34391	72	13	provision	provision	NOUN
cjfa-34391	72	14	.	.	PUNCT
cjfa-34391	73	1	in	in	ADP
cjfa-34391	73	2	this	this	DET
cjfa-34391	73	3	regard	regard	NOUN
cjfa-34391	73	4	,	,	PUNCT
cjfa-34391	73	5	this	this	DET
cjfa-34391	73	6	research	research	NOUN
cjfa-34391	73	7	takes	take	VERB
cjfa-34391	73	8	into	into	ADP
cjfa-34391	73	9	consideration	consideration	NOUN
cjfa-34391	73	10	the	the	DET
cjfa-34391	73	11	perception	perception	NOUN
cjfa-34391	73	12	of	of	ADP
cjfa-34391	73	13	generation	generation	NOUN
cjfa-34391	73	14	z	z	NOUN
cjfa-34391	73	15	towards	towards	ADP
cjfa-34391	73	16	the	the	DET
cjfa-34391	73	17	formal	formal	ADJ
cjfa-34391	73	18	financial	financial	ADJ
cjfa-34391	73	19	services	service	NOUN
cjfa-34391	73	20	.	.	PUNCT
cjfa-34391	74	1	in	in	ADP
cjfa-34391	74	2	respect	respect	NOUN
cjfa-34391	74	3	of	of	ADP
cjfa-34391	74	4	generation	generation	NOUN
cjfa-34391	74	5	z	z	NOUN
cjfa-34391	74	6	,	,	PUNCT
cjfa-34391	74	7	digital	digital	ADJ
cjfa-34391	74	8	consumerism	consumerism	NOUN
cjfa-34391	74	9	is	be	AUX
cjfa-34391	74	10	a	a	DET
cjfa-34391	74	11	critical	critical	ADJ
cjfa-34391	74	12	ingredient	ingredient	NOUN
cjfa-34391	74	13	for	for	ADP
cjfa-34391	74	14	building	build	VERB
cjfa-34391	74	15	consumer	consumer	NOUN
cjfa-34391	74	16	demand	demand	NOUN
cjfa-34391	74	17	for	for	ADP
cjfa-34391	74	18	digital	digital	ADJ
cjfa-34391	74	19	financial	financial	ADJ
cjfa-34391	74	20	inclusion	inclusion	NOUN
cjfa-34391	74	21	.	.	PUNCT
cjfa-34391	75	1	digital	digital	ADJ
cjfa-34391	75	2	consumerism	consumerism	PROPN
cjfa-34391	75	3	is	be	AUX
cjfa-34391	75	4	then	then	ADV
cjfa-34391	75	5	typified	typify	VERB
cjfa-34391	75	6	by	by	ADP
cjfa-34391	75	7	digital	digital	ADJ
cjfa-34391	75	8	device	device	NOUN
cjfa-34391	75	9	ownership	ownership	NOUN
cjfa-34391	75	10	,	,	PUNCT
cjfa-34391	75	11	social	social	ADJ
cjfa-34391	75	12	media	medium	NOUN
cjfa-34391	75	13	networking	networking	NOUN
cjfa-34391	75	14	and	and	CCONJ
cjfa-34391	75	15	the	the	DET
cjfa-34391	75	16	propensity	propensity	NOUN
cjfa-34391	75	17	and	and	CCONJ
cjfa-34391	75	18	ability	ability	NOUN
cjfa-34391	75	19	to	to	PART
cjfa-34391	75	20	use	use	VERB
cjfa-34391	75	21	digital	digital	ADJ
cjfa-34391	75	22	technologies	technology	NOUN
cjfa-34391	75	23	.	.	PUNCT
cjfa-34391	76	1	on	on	ADP
cjfa-34391	76	2	the	the	DET
cjfa-34391	76	3	supply	supply	NOUN
cjfa-34391	76	4	-	-	PUNCT
cjfa-34391	76	5	side	side	NOUN
cjfa-34391	76	6	of	of	ADP
cjfa-34391	76	7	the	the	DET
cjfa-34391	76	8	ecosystem	ecosystem	NOUN
cjfa-34391	76	9	,	,	PUNCT
cjfa-34391	76	10	there	there	PRON
cjfa-34391	76	11	exist	exist	VERB
cjfa-34391	76	12	the	the	DET
cjfa-34391	76	13	financial	financial	ADJ
cjfa-34391	76	14	service	service	NOUN
cjfa-34391	76	15	providers	provider	NOUN
cjfa-34391	76	16	of	of	ADP
cjfa-34391	76	17	various	various	ADJ
cjfa-34391	76	18	financial	financial	ADJ
cjfa-34391	76	19	products	product	NOUN
cjfa-34391	76	20	that	that	PRON
cjfa-34391	76	21	create	create	VERB
cjfa-34391	76	22	and	and	CCONJ
cjfa-34391	76	23	capture	capture	VERB
cjfa-34391	76	24	value	value	NOUN
cjfa-34391	76	25	in	in	ADP
cjfa-34391	76	26	a	a	DET
cjfa-34391	76	27	given	give	VERB
cjfa-34391	76	28	socio	socio	NOUN
cjfa-34391	76	29	-	-	PUNCT
cjfa-34391	76	30	economic	economic	ADJ
cjfa-34391	76	31	context	context	NOUN
cjfa-34391	76	32	.	.	PUNCT
cjfa-34391	77	1	the	the	DET
cjfa-34391	77	2	delivery	delivery	NOUN
cjfa-34391	77	3	of	of	ADP
cjfa-34391	77	4	financial	financial	ADJ
cjfa-34391	77	5	products	product	NOUN
cjfa-34391	77	6	is	be	AUX
cjfa-34391	77	7	undertaken	undertake	VERB
cjfa-34391	77	8	within	within	ADP
cjfa-34391	77	9	a	a	DET
cjfa-34391	77	10	regulatory	regulatory	ADJ
cjfa-34391	77	11	framework	framework	NOUN
cjfa-34391	77	12	with	with	ADP
cjfa-34391	77	13	a	a	DET
cjfa-34391	77	14	view	view	NOUN
cjfa-34391	77	15	to	to	ADP
cjfa-34391	77	16	militating	militate	VERB
cjfa-34391	77	17	against	against	ADP
cjfa-34391	77	18	risks	risk	NOUN
cjfa-34391	77	19	and	and	CCONJ
cjfa-34391	77	20	ensuring	ensure	VERB
cjfa-34391	77	21	consumer	consumer	NOUN
cjfa-34391	77	22	protection	protection	NOUN
cjfa-34391	77	23	.	.	PUNCT
cjfa-34391	78	1	in	in	ADP
cjfa-34391	78	2	pursuit	pursuit	NOUN
cjfa-34391	78	3	of	of	ADP
cjfa-34391	78	4	the	the	DET
cjfa-34391	78	5	goal	goal	NOUN
cjfa-34391	78	6	of	of	ADP
cjfa-34391	78	7	financial	financial	ADJ
cjfa-34391	78	8	inclusion	inclusion	NOUN
cjfa-34391	78	9	,	,	PUNCT
cjfa-34391	78	10	the	the	DET
cjfa-34391	78	11	financial	financial	ADJ
cjfa-34391	78	12	service	service	NOUN
cjfa-34391	78	13	providers	provider	NOUN
cjfa-34391	78	14	make	make	VERB
cjfa-34391	78	15	use	use	NOUN
cjfa-34391	78	16	of	of	ADP
cjfa-34391	78	17	financial	financial	ADJ
cjfa-34391	78	18	technology	technology	NOUN
cjfa-34391	78	19	to	to	PART
cjfa-34391	78	20	deliver	deliver	VERB
cjfa-34391	78	21	products	product	NOUN
cjfa-34391	78	22	and	and	CCONJ
cjfa-34391	78	23	services	service	NOUN
cjfa-34391	78	24	to	to	ADP
cjfa-34391	78	25	the	the	DET
cjfa-34391	78	26	unbanked	unbanked	ADJ
cjfa-34391	78	27	or	or	CCONJ
cjfa-34391	78	28	marginalised	marginalise	VERB
cjfa-34391	78	29	segments	segment	NOUN
cjfa-34391	78	30	of	of	ADP
cjfa-34391	78	31	society	society	NOUN
cjfa-34391	78	32	,	,	PUNCT
cjfa-34391	78	33	principally	principally	ADV
cjfa-34391	78	34	through	through	ADP
cjfa-34391	78	35	mobile	mobile	ADJ
cjfa-34391	78	36	money	money	NOUN
cjfa-34391	78	37	services	service	NOUN
cjfa-34391	78	38	.	.	PUNCT
cjfa-34391	79	1	given	give	VERB
cjfa-34391	79	2	the	the	DET
cjfa-34391	79	3	dynamic	dynamic	ADJ
cjfa-34391	79	4	complexity	complexity	NOUN
cjfa-34391	79	5	of	of	ADP
cjfa-34391	79	6	the	the	DET
cjfa-34391	79	7	financial	financial	PROPN
cjfa-34391	79	8	business	business	PROPN
cjfa-34391	79	9	ecosystem	ecosystem	NOUN
cjfa-34391	79	10	,	,	PUNCT
cjfa-34391	79	11	this	this	DET
cjfa-34391	79	12	research	research	NOUN
cjfa-34391	79	13	adopts	adopt	VERB
cjfa-34391	79	14	the	the	DET
cjfa-34391	79	15	system	system	NOUN
cjfa-34391	79	16	dynamics	dynamic	NOUN
cjfa-34391	79	17	approach	approach	VERB
cjfa-34391	79	18	to	to	PART
cjfa-34391	79	19	reveal	reveal	VERB
cjfa-34391	79	20	the	the	DET
cjfa-34391	79	21	hypothesised	hypothesised	ADJ
cjfa-34391	79	22	inherent	inherent	ADJ
cjfa-34391	79	23	co	co	ADJ
cjfa-34391	79	24	-	-	ADJ
cjfa-34391	79	25	evolutionary	evolutionary	ADJ
cjfa-34391	79	26	dynamics	dynamic	NOUN
cjfa-34391	79	27	of	of	ADP
cjfa-34391	79	28	financial	financial	ADJ
cjfa-34391	79	29	inclusion	inclusion	NOUN
cjfa-34391	79	30	.	.	PUNCT
cjfa-34391	80	1	system	system	NOUN
cjfa-34391	80	2	dynamics	dynamic	NOUN
cjfa-34391	80	3	modelling	modelling	NOUN
cjfa-34391	80	4	was	be	AUX
cjfa-34391	80	5	pioneered	pioneer	VERB
cjfa-34391	80	6	by	by	ADP
cjfa-34391	80	7	forrester	forrester	PROPN
cjfa-34391	80	8	(	(	PUNCT
cjfa-34391	80	9	1958	1958	NUM
cjfa-34391	80	10	)	)	PUNCT
cjfa-34391	80	11	to	to	PART
cjfa-34391	80	12	develop	develop	VERB
cjfa-34391	80	13	understanding	understanding	NOUN
cjfa-34391	80	14	of	of	ADP
cjfa-34391	80	15	the	the	DET
cjfa-34391	80	16	nonlinear	nonlinear	ADJ
cjfa-34391	80	17	behaviour	behaviour	NOUN
cjfa-34391	80	18	of	of	ADP
cjfa-34391	80	19	complex	complex	ADJ
cjfa-34391	80	20	systems	system	NOUN
cjfa-34391	80	21	over	over	ADP
cjfa-34391	80	22	time	time	NOUN
cjfa-34391	80	23	using	use	VERB
cjfa-34391	80	24	stocks	stock	NOUN
cjfa-34391	80	25	,	,	PUNCT
cjfa-34391	80	26	flows	flow	NOUN
cjfa-34391	80	27	,	,	PUNCT
cjfa-34391	80	28	internal	internal	ADJ
cjfa-34391	80	29	feedback	feedback	NOUN
cjfa-34391	80	30	loops	loop	NOUN
cjfa-34391	80	31	,	,	PUNCT
cjfa-34391	80	32	table	table	NOUN
cjfa-34391	80	33	functions	function	NOUN
cjfa-34391	80	34	and	and	CCONJ
cjfa-34391	80	35	time	time	NOUN
cjfa-34391	80	36	delays	delay	NOUN
cjfa-34391	80	37	.	.	PUNCT
cjfa-34391	81	1	it	it	PRON
cjfa-34391	81	2	’s	’	VERB
cjfa-34391	81	3	a	a	DET
cjfa-34391	81	4	widely	widely	ADV
cjfa-34391	81	5	used	use	VERB
cjfa-34391	81	6	approach	approach	NOUN
cjfa-34391	81	7	with	with	ADP
cjfa-34391	81	8	exemplar	exemplar	ADJ
cjfa-34391	81	9	applications	application	NOUN
cjfa-34391	81	10	to	to	ADP
cjfa-34391	81	11	modelling	model	VERB
cjfa-34391	81	12	the	the	DET
cjfa-34391	81	13	earth	earth	NOUN
cjfa-34391	81	14	’s	’s	PART
cjfa-34391	81	15	climate	climate	NOUN
cjfa-34391	81	16	,	,	PUNCT
cjfa-34391	81	17	agro	agro	ADJ
cjfa-34391	81	18	-	-	PUNCT
cjfa-34391	81	19	ecological	ecological	ADJ
cjfa-34391	81	20	systems	system	NOUN
cjfa-34391	81	21	,	,	PUNCT
cjfa-34391	81	22	social	social	ADJ
cjfa-34391	81	23	systems	system	NOUN
cjfa-34391	81	24	and	and	CCONJ
cjfa-34391	81	25	healthcare	healthcare	PROPN
cjfa-34391	81	26	systems	system	NOUN
cjfa-34391	81	27	.	.	PUNCT
cjfa-34391	82	1	in	in	ADP
cjfa-34391	82	2	respect	respect	NOUN
cjfa-34391	82	3	of	of	ADP
cjfa-34391	82	4	business	business	NOUN
cjfa-34391	82	5	management	management	NOUN
cjfa-34391	82	6	,	,	PUNCT
cjfa-34391	82	7	sterman	sterman	NOUN
cjfa-34391	82	8	(	(	PUNCT
cjfa-34391	82	9	2001	2001	NUM
cjfa-34391	82	10	)	)	PUNCT
cjfa-34391	82	11	notes	note	VERB
cjfa-34391	82	12	that	that	SCONJ
cjfa-34391	82	13	system	system	NOUN
cjfa-34391	82	14	dynamics	dynamic	NOUN
cjfa-34391	82	15	modelling	model	VERB
cjfa-34391	82	16	combines	combine	VERB
cjfa-34391	82	17	aspects	aspect	NOUN
cjfa-34391	82	18	of	of	ADP
cjfa-34391	82	19	decision	decision	NOUN
cjfa-34391	82	20	and	and	CCONJ
cjfa-34391	82	21	process	process	NOUN
cjfa-34391	82	22	modelling	modelling	NOUN
cjfa-34391	82	23	by	by	ADP
cjfa-34391	82	24	describing	describe	VERB
cjfa-34391	82	25	complex	complex	ADJ
cjfa-34391	82	26	interaction	interaction	NOUN
cjfa-34391	82	27	and	and	CCONJ
cjfa-34391	82	28	feedback	feedback	NOUN
cjfa-34391	82	29	mechanisms	mechanism	NOUN
cjfa-34391	82	30	within	within	ADP
cjfa-34391	82	31	business	business	NOUN
cjfa-34391	82	32	systems	system	NOUN
cjfa-34391	82	33	while	while	SCONJ
cjfa-34391	82	34	supporting	support	VERB
cjfa-34391	82	35	the	the	DET
cjfa-34391	82	36	use	use	NOUN
cjfa-34391	82	37	of	of	ADP
cjfa-34391	82	38	quantitative	quantitative	ADJ
cjfa-34391	82	39	decision	decision	NOUN
cjfa-34391	82	40	modelling	modelling	NOUN
cjfa-34391	82	41	.	.	PUNCT
cjfa-34391	83	1	system	system	NOUN
cjfa-34391	83	2	dynamics	dynamic	NOUN
cjfa-34391	83	3	also	also	ADV
cjfa-34391	83	4	draws	draw	VERB
cjfa-34391	83	5	strongly	strongly	ADV
cjfa-34391	83	6	on	on	ADP
cjfa-34391	83	7	the	the	DET
cjfa-34391	83	8	concept	concept	NOUN
cjfa-34391	83	9	of	of	ADP
cjfa-34391	83	10	endogeneity	endogeneity	NOUN
cjfa-34391	83	11	,	,	PUNCT
cjfa-34391	83	12	meaning	mean	VERB
cjfa-34391	83	13	that	that	SCONJ
cjfa-34391	83	14	it	it	PRON
cjfa-34391	83	15	seeks	seek	VERB
cjfa-34391	83	16	to	to	PART
cjfa-34391	83	17	find	find	VERB
cjfa-34391	83	18	explanations	explanation	NOUN
cjfa-34391	83	19	for	for	ADP
cjfa-34391	83	20	system	system	NOUN
cjfa-34391	83	21	behaviour	behaviour	NOUN
cjfa-34391	83	22	by	by	ADP
cjfa-34391	83	23	understanding	understand	VERB
cjfa-34391	83	24	the	the	DET
cjfa-34391	83	25	internal	internal	ADJ
cjfa-34391	83	26	structure	structure	NOUN
cjfa-34391	83	27	of	of	ADP
cjfa-34391	83	28	a	a	DET
cjfa-34391	83	29	system	system	NOUN
cjfa-34391	83	30	rather	rather	ADV
cjfa-34391	83	31	than	than	ADP
cjfa-34391	83	32	focusing	focus	VERB
cjfa-34391	83	33	on	on	ADP
cjfa-34391	83	34	factors	factor	NOUN
cjfa-34391	83	35	external	external	ADJ
cjfa-34391	83	36	to	to	ADP
cjfa-34391	83	37	the	the	DET
cjfa-34391	83	38	system	system	NOUN
cjfa-34391	83	39	(	(	PUNCT
cjfa-34391	83	40	sterman	sterman	NOUN
cjfa-34391	83	41	,	,	PUNCT
cjfa-34391	83	42	2001	2001	NUM
cjfa-34391	83	43	)	)	PUNCT
cjfa-34391	83	44	.	.	PUNCT
cjfa-34391	84	1	currie	currie	PROPN
cjfa-34391	84	2	,	,	PUNCT
cjfa-34391	84	3	smith	smith	PROPN
cjfa-34391	84	4	and	and	CCONJ
cjfa-34391	84	5	jagals	jagal	NOUN
cjfa-34391	84	6	(	(	PUNCT
cjfa-34391	84	7	2018	2018	NUM
cjfa-34391	84	8	)	)	PUNCT
cjfa-34391	84	9	further	far	ADV
cjfa-34391	84	10	explain	explain	VERB
cjfa-34391	84	11	that	that	SCONJ
cjfa-34391	84	12	the	the	DET
cjfa-34391	84	13	system	system	NOUN
cjfa-34391	84	14	dynamics	dynamic	NOUN
cjfa-34391	84	15	approach	approach	NOUN
cjfa-34391	84	16	involves	involve	VERB
cjfa-34391	84	17	causal	causal	ADJ
cjfa-34391	84	18	mapping	mapping	NOUN
cjfa-34391	84	19	,	,	PUNCT
cjfa-34391	84	20	and	and	CCONJ
cjfa-34391	84	21	has	have	AUX
cjfa-34391	84	22	demonstrated	demonstrate	VERB
cjfa-34391	84	23	considerable	considerable	ADJ
cjfa-34391	84	24	value	value	NOUN
cjfa-34391	84	25	across	across	ADP
cjfa-34391	84	26	a	a	DET
cjfa-34391	84	27	number	number	NOUN
cjfa-34391	84	28	of	of	ADP
cjfa-34391	84	29	different	different	ADJ
cjfa-34391	84	30	fields	field	NOUN
cjfa-34391	84	31	to	to	PART
cjfa-34391	84	32	help	help	VERB
cjfa-34391	84	33	decision	decision	NOUN
cjfa-34391	84	34	-	-	PUNCT
cjfa-34391	84	35	makers	maker	NOUN
cjfa-34391	84	36	understand	understand	VERB
cjfa-34391	84	37	and	and	CCONJ
cjfa-34391	84	38	predict	predict	VERB
cjfa-34391	84	39	the	the	DET
cjfa-34391	84	40	dynamic	dynamic	ADJ
cjfa-34391	84	41	behaviour	behaviour	NOUN
cjfa-34391	84	42	of	of	ADP
cjfa-34391	84	43	complex	complex	ADJ
cjfa-34391	84	44	systems	system	NOUN
cjfa-34391	84	45	in	in	ADP
cjfa-34391	84	46	support	support	NOUN
cjfa-34391	84	47	of	of	ADP
cjfa-34391	84	48	the	the	DET
cjfa-34391	84	49	development	development	NOUN
cjfa-34391	84	50	of	of	ADP
cjfa-34391	84	51	effective	effective	ADJ
cjfa-34391	84	52	policy	policy	NOUN
cjfa-34391	84	53	actions	action	NOUN
cjfa-34391	84	54	.	.	PUNCT
cjfa-34391	85	1	the	the	DET
cjfa-34391	85	2	intended	intend	VERB
cjfa-34391	85	3	outcome	outcome	NOUN
cjfa-34391	85	4	of	of	ADP
cjfa-34391	85	5	this	this	DET
cjfa-34391	85	6	research	research	NOUN
cjfa-34391	85	7	involving	involve	VERB
cjfa-34391	85	8	the	the	DET
cjfa-34391	85	9	application	application	NOUN
cjfa-34391	85	10	of	of	ADP
cjfa-34391	85	11	the	the	DET
cjfa-34391	85	12	system	system	NOUN
cjfa-34391	85	13	dynamics	dynamic	NOUN
cjfa-34391	85	14	modelling	model	VERB
cjfa-34391	85	15	approach	approach	NOUN
cjfa-34391	85	16	is	be	AUX
cjfa-34391	85	17	a	a	DET
cjfa-34391	85	18	revelation	revelation	NOUN
cjfa-34391	85	19	of	of	ADP
cjfa-34391	85	20	the	the	DET
cjfa-34391	85	21	co	co	NOUN
cjfa-34391	85	22	-	-	ADJ
cjfa-34391	85	23	evolutionary	evolutionary	ADJ
cjfa-34391	85	24	dydiana	dydiana	PROPN
cjfa-34391	85	25	kangwa	kangwa	PROPN
cjfa-34391	85	26	,	,	PUNCT
cjfa-34391	85	27	joseph	joseph	PROPN
cjfa-34391	85	28	thokozani	thokozani	PROPN
cjfa-34391	85	29	mwale	mwale	PROPN
cjfa-34391	85	30	,	,	PUNCT
cjfa-34391	85	31	junaid	junaid	VERB
cjfa-34391	85	32	m.	m.	PROPN
cjfa-34391	85	33	shaikh34	shaikh34	PROPN
cjfa-34391	85	34	namics	namic	NOUN
cjfa-34391	85	35	of	of	ADP
cjfa-34391	85	36	financial	financial	ADJ
cjfa-34391	85	37	inclusion	inclusion	NOUN
cjfa-34391	85	38	within	within	ADP
cjfa-34391	85	39	the	the	DET
cjfa-34391	85	40	increasingly	increasingly	ADV
cjfa-34391	85	41	complex	complex	ADJ
cjfa-34391	85	42	and	and	CCONJ
cjfa-34391	85	43	digitising	digitise	VERB
cjfa-34391	85	44	financial	financial	ADJ
cjfa-34391	85	45	ecosystem	ecosystem	NOUN
cjfa-34391	85	46	.	.	PUNCT
cjfa-34391	86	1	the	the	DET
cjfa-34391	86	2	co	co	ADJ
cjfa-34391	86	3	-	-	ADJ
cjfa-34391	86	4	evolutionary	evolutionary	ADJ
cjfa-34391	86	5	dynamics	dynamic	NOUN
cjfa-34391	86	6	are	be	AUX
cjfa-34391	86	7	the	the	DET
cjfa-34391	86	8	interconnectedness	interconnectedness	NOUN
cjfa-34391	86	9	,	,	PUNCT
cjfa-34391	86	10	feedback	feedback	NOUN
cjfa-34391	86	11	loops	loop	NOUN
cjfa-34391	86	12	and	and	CCONJ
cjfa-34391	86	13	emergent	emergent	ADJ
cjfa-34391	86	14	behaviour	behaviour	NOUN
cjfa-34391	86	15	of	of	ADP
cjfa-34391	86	16	the	the	DET
cjfa-34391	86	17	system	system	NOUN
cjfa-34391	86	18	that	that	PRON
cjfa-34391	86	19	is	be	AUX
cjfa-34391	86	20	in	in	ADP
cjfa-34391	86	21	dynamic	dynamic	ADJ
cjfa-34391	86	22	transition	transition	NOUN
cjfa-34391	86	23	driven	drive	VERB
cjfa-34391	86	24	by	by	ADP
cjfa-34391	86	25	digitisation	digitisation	NOUN
cjfa-34391	86	26	.	.	PUNCT
cjfa-34391	87	1	mckelvey	mckelvey	NOUN
cjfa-34391	87	2	(	(	PUNCT
cjfa-34391	87	3	2002	2002	NUM
cjfa-34391	87	4	)	)	PUNCT
cjfa-34391	87	5	outlines	outline	VERB
cjfa-34391	87	6	the	the	DET
cjfa-34391	87	7	necessary	necessary	ADJ
cjfa-34391	87	8	conditions	condition	NOUN
cjfa-34391	87	9	for	for	ADP
cjfa-34391	87	10	co	co	NOUN
cjfa-34391	87	11	-	-	NOUN
cjfa-34391	87	12	evolution	evolution	NOUN
cjfa-34391	87	13	,	,	PUNCT
cjfa-34391	87	14	highlighting	highlight	VERB
cjfa-34391	87	15	that	that	SCONJ
cjfa-34391	87	16	there	there	PRON
cjfa-34391	87	17	must	must	AUX
cjfa-34391	87	18	firstly	firstly	ADV
cjfa-34391	87	19	be	be	AUX
cjfa-34391	87	20	an	an	DET
cjfa-34391	87	21	existence	existence	NOUN
cjfa-34391	87	22	of	of	ADP
cjfa-34391	87	23	heterogeneous	heterogeneous	ADJ
cjfa-34391	87	24	agents	agent	NOUN
cjfa-34391	87	25	which	which	PRON
cjfa-34391	87	26	could	could	AUX
cjfa-34391	87	27	be	be	AUX
cjfa-34391	87	28	quanta	quanta	PROPN
cjfa-34391	87	29	,	,	PUNCT
cjfa-34391	87	30	particles	particle	NOUN
cjfa-34391	87	31	,	,	PUNCT
cjfa-34391	87	32	molecules	molecule	NOUN
cjfa-34391	87	33	,	,	PUNCT
cjfa-34391	87	34	bio	bio	NOUN
cjfa-34391	87	35	-	-	PUNCT
cjfa-34391	87	36	molecules	molecule	NOUN
cjfa-34391	87	37	,	,	PUNCT
cjfa-34391	87	38	genes	gene	NOUN
cjfa-34391	87	39	,	,	PUNCT
cjfa-34391	87	40	chromosomes	chromosome	NOUN
cjfa-34391	87	41	,	,	PUNCT
cjfa-34391	87	42	organelles	organelle	NOUN
cjfa-34391	87	43	,	,	PUNCT
cjfa-34391	87	44	organs	organ	NOUN
cjfa-34391	87	45	,	,	PUNCT
cjfa-34391	87	46	organisms	organism	NOUN
cjfa-34391	87	47	,	,	PUNCT
cjfa-34391	87	48	species	specie	NOUN
cjfa-34391	87	49	,	,	PUNCT
cjfa-34391	87	50	language	language	NOUN
cjfa-34391	87	51	concepts	concept	NOUN
cjfa-34391	87	52	,	,	PUNCT
cjfa-34391	87	53	organizational	organizational	ADJ
cjfa-34391	87	54	processes	process	NOUN
cjfa-34391	87	55	,	,	PUNCT
cjfa-34391	87	56	people	people	NOUN
cjfa-34391	87	57	,	,	PUNCT
cjfa-34391	87	58	groups	group	NOUN
cjfa-34391	87	59	,	,	PUNCT
cjfa-34391	87	60	firms	firm	NOUN
cjfa-34391	87	61	,	,	PUNCT
cjfa-34391	87	62	populations	population	NOUN
cjfa-34391	87	63	,	,	PUNCT
cjfa-34391	87	64	and	and	CCONJ
cjfa-34391	87	65	so	so	ADV
cjfa-34391	87	66	on	on	ADV
cjfa-34391	87	67	.	.	PUNCT
cjfa-34391	88	1	secondly	secondly	ADV
cjfa-34391	88	2	,	,	PUNCT
cjfa-34391	88	3	the	the	DET
cjfa-34391	88	4	agents	agent	NOUN
cjfa-34391	88	5	must	must	AUX
cjfa-34391	88	6	have	have	VERB
cjfa-34391	88	7	adaptive	adaptive	ADJ
cjfa-34391	88	8	or	or	CCONJ
cjfa-34391	88	9	learning	learn	VERB
cjfa-34391	88	10	capability	capability	NOUN
cjfa-34391	88	11	;	;	PUNCT
cjfa-34391	88	12	and	and	CCONJ
cjfa-34391	88	13	thirdly	thirdly	ADV
cjfa-34391	88	14	,	,	PUNCT
cjfa-34391	88	15	the	the	DET
cjfa-34391	88	16	agents	agent	NOUN
cjfa-34391	88	17	must	must	AUX
cjfa-34391	88	18	be	be	AUX
cjfa-34391	88	19	able	able	ADJ
cjfa-34391	88	20	to	to	PART
cjfa-34391	88	21	interact	interact	VERB
cjfa-34391	88	22	and	and	CCONJ
cjfa-34391	88	23	mutually	mutually	ADV
cjfa-34391	88	24	influence	influence	VERB
cjfa-34391	88	25	each	each	DET
cjfa-34391	88	26	other	other	ADJ
cjfa-34391	88	27	.	.	PUNCT
cjfa-34391	89	1	fourthly	fourthly	ADV
cjfa-34391	89	2	,	,	PUNCT
cjfa-34391	89	3	there	there	PRON
cjfa-34391	89	4	must	must	AUX
cjfa-34391	89	5	be	be	AUX
cjfa-34391	89	6	some	some	DET
cjfa-34391	89	7	kind	kind	NOUN
cjfa-34391	89	8	of	of	ADP
cjfa-34391	89	9	higher	high	ADJ
cjfa-34391	89	10	-	-	PUNCT
cjfa-34391	89	11	level	level	NOUN
cjfa-34391	89	12	constraint	constraint	NOUN
cjfa-34391	89	13	to	to	ADP
cjfa-34391	89	14	adaptation	adaptation	NOUN
cjfa-34391	89	15	that	that	PRON
cjfa-34391	89	16	motivates	motivate	VERB
cjfa-34391	89	17	the	the	DET
cjfa-34391	89	18	co	co	ADJ
cjfa-34391	89	19	-	-	ADJ
cjfa-34391	89	20	evolutionary	evolutionary	ADJ
cjfa-34391	89	21	process	process	NOUN
cjfa-34391	89	22	;	;	PUNCT
cjfa-34391	89	23	and	and	CCONJ
cjfa-34391	89	24	finally	finally	ADV
cjfa-34391	89	25	there	there	PRON
cjfa-34391	89	26	needs	need	VERB
cjfa-34391	89	27	to	to	PART
cjfa-34391	89	28	be	be	AUX
cjfa-34391	89	29	the	the	DET
cjfa-34391	89	30	initiating	initiate	VERB
cjfa-34391	89	31	event	event	NOUN
cjfa-34391	89	32	.	.	PUNCT
cjfa-34391	90	1	based	base	VERB
cjfa-34391	90	2	on	on	ADP
cjfa-34391	90	3	these	these	DET
cjfa-34391	90	4	building	building	NOUN
cjfa-34391	90	5	blocks	block	NOUN
cjfa-34391	90	6	of	of	ADP
cjfa-34391	90	7	a	a	DET
cjfa-34391	90	8	co	co	ADJ
cjfa-34391	90	9	-	-	ADJ
cjfa-34391	90	10	evolutionary	evolutionary	ADJ
cjfa-34391	90	11	process	process	NOUN
cjfa-34391	90	12	,	,	PUNCT
cjfa-34391	90	13	this	this	DET
cjfa-34391	90	14	present	present	ADJ
cjfa-34391	90	15	study	study	NOUN
cjfa-34391	90	16	identifies	identify	VERB
cjfa-34391	90	17	generation	generation	NOUN
cjfa-34391	90	18	z	z	PROPN
cjfa-34391	90	19	and	and	CCONJ
cjfa-34391	90	20	a	a	DET
cjfa-34391	90	21	banking	banking	NOUN
cjfa-34391	90	22	institution	institution	NOUN
cjfa-34391	90	23	as	as	ADP
cjfa-34391	90	24	agents	agent	NOUN
cjfa-34391	90	25	of	of	ADP
cjfa-34391	90	26	co	co	NOUN
cjfa-34391	90	27	-	-	NOUN
cjfa-34391	90	28	evolution	evolution	NOUN
cjfa-34391	90	29	that	that	PRON
cjfa-34391	90	30	is	be	AUX
cjfa-34391	90	31	driven	drive	VERB
cjfa-34391	90	32	by	by	ADP
cjfa-34391	90	33	digitisation	digitisation	NOUN
cjfa-34391	90	34	towards	towards	ADP
cjfa-34391	90	35	the	the	DET
cjfa-34391	90	36	ideal	ideal	NOUN
cjfa-34391	90	37	of	of	ADP
cjfa-34391	90	38	financial	financial	ADJ
cjfa-34391	90	39	inclusion	inclusion	NOUN
cjfa-34391	90	40	.	.	PUNCT
cjfa-34391	91	1	this	this	DET
cjfa-34391	91	2	research	research	NOUN
cjfa-34391	91	3	is	be	AUX
cjfa-34391	91	4	set	set	VERB
cjfa-34391	91	5	within	within	ADP
cjfa-34391	91	6	sub	sub	ADJ
cjfa-34391	91	7	-	-	ADJ
cjfa-34391	91	8	saharan	saharan	ADJ
cjfa-34391	91	9	africa	africa	PROPN
cjfa-34391	91	10	(	(	PUNCT
cjfa-34391	91	11	ssa	ssa	PROPN
cjfa-34391	91	12	)	)	PUNCT
cjfa-34391	91	13	,	,	PUNCT
cjfa-34391	91	14	a	a	DET
cjfa-34391	91	15	region	region	NOUN
cjfa-34391	91	16	that	that	PRON
cjfa-34391	91	17	presents	present	VERB
cjfa-34391	91	18	an	an	DET
cjfa-34391	91	19	excellent	excellent	ADJ
cjfa-34391	91	20	opportunity	opportunity	NOUN
cjfa-34391	91	21	for	for	ADP
cjfa-34391	91	22	studying	study	VERB
cjfa-34391	91	23	financial	financial	ADJ
cjfa-34391	91	24	inclusion	inclusion	NOUN
cjfa-34391	91	25	on	on	ADP
cjfa-34391	91	26	account	account	NOUN
cjfa-34391	91	27	of	of	ADP
cjfa-34391	91	28	its	its	PRON
cjfa-34391	91	29	early	early	ADJ
cjfa-34391	91	30	stage	stage	NOUN
cjfa-34391	91	31	of	of	ADP
cjfa-34391	91	32	demographic	demographic	ADJ
cjfa-34391	91	33	transitions	transition	NOUN
cjfa-34391	91	34	and	and	CCONJ
cjfa-34391	91	35	socio	socio	NOUN
cjfa-34391	91	36	-	-	PUNCT
cjfa-34391	91	37	economic	economic	ADJ
cjfa-34391	91	38	development	development	NOUN
cjfa-34391	91	39	.	.	PUNCT
cjfa-34391	92	1	in	in	ADP
cjfa-34391	92	2	spite	spite	NOUN
cjfa-34391	92	3	of	of	ADP
cjfa-34391	92	4	the	the	DET
cjfa-34391	92	5	structural	structural	ADJ
cjfa-34391	92	6	constraints	constraint	NOUN
cjfa-34391	92	7	on	on	ADP
cjfa-34391	92	8	closing	close	VERB
cjfa-34391	92	9	the	the	DET
cjfa-34391	92	10	digital	digital	ADJ
cjfa-34391	92	11	divide	divide	NOUN
cjfa-34391	92	12	in	in	ADP
cjfa-34391	92	13	sub	sub	ADJ
cjfa-34391	92	14	-	-	ADJ
cjfa-34391	92	15	saharan	saharan	ADJ
cjfa-34391	92	16	africa	africa	PROPN
cjfa-34391	92	17	,	,	PUNCT
cjfa-34391	92	18	there	there	PRON
cjfa-34391	92	19	is	be	VERB
cjfa-34391	92	20	resounding	resound	VERB
cjfa-34391	92	21	progress	progress	NOUN
cjfa-34391	92	22	on	on	ADP
cjfa-34391	92	23	financial	financial	ADJ
cjfa-34391	92	24	inclusion	inclusion	NOUN
cjfa-34391	92	25	.	.	PUNCT
cjfa-34391	93	1	according	accord	VERB
cjfa-34391	93	2	to	to	ADP
cjfa-34391	93	3	the	the	DET
cjfa-34391	93	4	world	world	PROPN
cjfa-34391	93	5	bank	bank	PROPN
cjfa-34391	93	6	(	(	PUNCT
cjfa-34391	93	7	2017	2017	NUM
cjfa-34391	93	8	)	)	PUNCT
cjfa-34391	93	9	,	,	PUNCT
cjfa-34391	93	10	the	the	DET
cjfa-34391	93	11	share	share	NOUN
cjfa-34391	93	12	of	of	ADP
cjfa-34391	93	13	adults	adult	NOUN
cjfa-34391	93	14	in	in	ADP
cjfa-34391	93	15	sub	sub	ADJ
cjfa-34391	93	16	-	-	ADJ
cjfa-34391	93	17	saharan	saharan	ADJ
cjfa-34391	93	18	africa	africa	PROPN
cjfa-34391	93	19	with	with	ADP
cjfa-34391	93	20	access	access	NOUN
cjfa-34391	93	21	to	to	ADP
cjfa-34391	93	22	accounts	account	NOUN
cjfa-34391	93	23	in	in	ADP
cjfa-34391	93	24	financial	financial	ADJ
cjfa-34391	93	25	institutions	institution	NOUN
cjfa-34391	93	26	or	or	CCONJ
cjfa-34391	93	27	mobile	mobile	ADJ
cjfa-34391	93	28	money	money	NOUN
cjfa-34391	93	29	(	(	PUNCT
cjfa-34391	93	30	mm	mm	NOUN
cjfa-34391	93	31	)	)	PUNCT
cjfa-34391	93	32	services	service	NOUN
cjfa-34391	93	33	increased	increase	VERB
cjfa-34391	93	34	from	from	ADP
cjfa-34391	93	35	34	34	NUM
cjfa-34391	93	36	percent	percent	NOUN
cjfa-34391	93	37	to	to	ADP
cjfa-34391	93	38	43	43	NUM
cjfa-34391	93	39	percent	percent	NOUN
cjfa-34391	93	40	in	in	ADP
cjfa-34391	93	41	the	the	DET
cjfa-34391	93	42	period	period	NOUN
cjfa-34391	93	43	,	,	PUNCT
cjfa-34391	93	44	2011	2011	NUM
cjfa-34391	93	45	to	to	ADP
cjfa-34391	93	46	2017	2017	NUM
cjfa-34391	93	47	.	.	PUNCT
cjfa-34391	94	1	the	the	DET
cjfa-34391	94	2	specific	specific	ADJ
cjfa-34391	94	3	location	location	NOUN
cjfa-34391	94	4	of	of	ADP
cjfa-34391	94	5	the	the	DET
cjfa-34391	94	6	study	study	NOUN
cjfa-34391	94	7	is	be	AUX
cjfa-34391	94	8	zambia	zambia	PROPN
cjfa-34391	94	9	,	,	PUNCT
cjfa-34391	94	10	a	a	DET
cjfa-34391	94	11	country	country	NOUN
cjfa-34391	94	12	geographically	geographically	ADV
cjfa-34391	94	13	located	locate	VERB
cjfa-34391	94	14	between	between	ADP
cjfa-34391	94	15	latitudes	latitude	NOUN
cjfa-34391	94	16	08o	08o	NOUN
cjfa-34391	94	17	and	and	CCONJ
cjfa-34391	94	18	18o	18o	NOUN
cjfa-34391	94	19	south	south	ADV
cjfa-34391	94	20	of	of	ADP
cjfa-34391	94	21	the	the	DET
cjfa-34391	94	22	equator	equator	NOUN
cjfa-34391	94	23	and	and	CCONJ
cjfa-34391	94	24	between	between	ADP
cjfa-34391	94	25	longitudes	longitude	NOUN
cjfa-34391	94	26	21o	21o	NOUN
cjfa-34391	94	27	and	and	CCONJ
cjfa-34391	94	28	38o	38o	PROPN
cjfa-34391	94	29	east	east	PROPN
cjfa-34391	94	30	of	of	ADP
cjfa-34391	94	31	greenwich	greenwich	PROPN
cjfa-34391	94	32	meridian	meridian	PROPN
cjfa-34391	94	33	.	.	PUNCT
cjfa-34391	95	1	zambia	zambia	PROPN
cjfa-34391	95	2	is	be	AUX
cjfa-34391	95	3	a	a	DET
cjfa-34391	95	4	land	land	NOUN
cjfa-34391	95	5	-	-	PUNCT
cjfa-34391	95	6	linked	link	VERB
cjfa-34391	95	7	country	country	NOUN
cjfa-34391	95	8	in	in	ADP
cjfa-34391	95	9	southern	southern	ADJ
cjfa-34391	95	10	-	-	PUNCT
cjfa-34391	95	11	central	central	ADJ
cjfa-34391	95	12	africa	africa	PROPN
cjfa-34391	95	13	with	with	ADP
cjfa-34391	95	14	neighbours	neighbour	NOUN
cjfa-34391	95	15	including	include	VERB
cjfa-34391	95	16	the	the	DET
cjfa-34391	95	17	democratic	democratic	ADJ
cjfa-34391	95	18	republic	republic	NOUN
cjfa-34391	95	19	of	of	ADP
cjfa-34391	95	20	the	the	DET
cjfa-34391	95	21	congo	congo	NOUN
cjfa-34391	95	22	to	to	ADP
cjfa-34391	95	23	the	the	DET
cjfa-34391	95	24	north	north	NOUN
cjfa-34391	95	25	,	,	PUNCT
cjfa-34391	95	26	tanzania	tanzania	PROPN
cjfa-34391	95	27	to	to	ADP
cjfa-34391	95	28	the	the	DET
cjfa-34391	95	29	north	north	NOUN
cjfa-34391	95	30	-	-	PUNCT
cjfa-34391	95	31	east	east	NOUN
cjfa-34391	95	32	,	,	PUNCT
cjfa-34391	95	33	malawi	malawi	VERB
cjfa-34391	95	34	to	to	ADP
cjfa-34391	95	35	the	the	DET
cjfa-34391	95	36	east	east	NOUN
cjfa-34391	95	37	,	,	PUNCT
cjfa-34391	95	38	mozambique	mozambique	PROPN
cjfa-34391	95	39	to	to	ADP
cjfa-34391	95	40	the	the	DET
cjfa-34391	95	41	south	south	NOUN
cjfa-34391	95	42	-	-	PUNCT
cjfa-34391	95	43	east	east	NOUN
cjfa-34391	95	44	,	,	PUNCT
cjfa-34391	95	45	zimbabwe	zimbabwe	PROPN
cjfa-34391	95	46	and	and	CCONJ
cjfa-34391	95	47	botswana	botswana	PROPN
cjfa-34391	95	48	to	to	ADP
cjfa-34391	95	49	the	the	DET
cjfa-34391	95	50	south	south	NOUN
cjfa-34391	95	51	,	,	PUNCT
cjfa-34391	95	52	namibia	namibia	PROPN
cjfa-34391	95	53	to	to	ADP
cjfa-34391	95	54	the	the	DET
cjfa-34391	95	55	south	south	NOUN
cjfa-34391	95	56	-	-	PUNCT
cjfa-34391	95	57	west	west	NOUN
cjfa-34391	95	58	,	,	PUNCT
cjfa-34391	95	59	and	and	CCONJ
cjfa-34391	95	60	angola	angola	PROPN
cjfa-34391	95	61	to	to	ADP
cjfa-34391	95	62	the	the	DET
cjfa-34391	95	63	west	west	NOUN
cjfa-34391	95	64	.	.	PUNCT
cjfa-34391	96	1	the	the	DET
cjfa-34391	96	2	capital	capital	NOUN
cjfa-34391	96	3	city	city	NOUN
cjfa-34391	96	4	is	be	AUX
cjfa-34391	96	5	lusaka	lusaka	PROPN
cjfa-34391	96	6	that	that	PRON
cjfa-34391	96	7	is	be	AUX
cjfa-34391	96	8	located	locate	VERB
cjfa-34391	96	9	in	in	ADP
cjfa-34391	96	10	the	the	DET
cjfa-34391	96	11	south	south	ADJ
cjfa-34391	96	12	-	-	PUNCT
cjfa-34391	96	13	central	central	ADJ
cjfa-34391	96	14	part	part	NOUN
cjfa-34391	96	15	of	of	ADP
cjfa-34391	96	16	zambia	zambia	PROPN
cjfa-34391	96	17	.	.	PUNCT
cjfa-34391	97	1	as	as	SCONJ
cjfa-34391	97	2	a	a	DET
cjfa-34391	97	3	land	land	NOUN
cjfa-34391	97	4	-	-	PUNCT
cjfa-34391	97	5	linked	link	VERB
cjfa-34391	97	6	country	country	NOUN
cjfa-34391	97	7	,	,	PUNCT
cjfa-34391	97	8	zambia	zambia	PROPN
cjfa-34391	97	9	’	'	PUNCT
cjfa-34391	97	10	socio	socio	NOUN
cjfa-34391	97	11	-	-	PUNCT
cjfa-34391	97	12	economic	economic	ADJ
cjfa-34391	97	13	development	development	NOUN
cjfa-34391	97	14	is	be	AUX
cjfa-34391	97	15	driven	drive	VERB
cjfa-34391	97	16	by	by	ADP
cjfa-34391	97	17	the	the	DET
cjfa-34391	97	18	extractive	extractive	ADJ
cjfa-34391	97	19	industry	industry	NOUN
cjfa-34391	97	20	of	of	ADP
cjfa-34391	97	21	copper	copper	NOUN
cjfa-34391	97	22	mining	mining	NOUN
cjfa-34391	97	23	and	and	CCONJ
cjfa-34391	97	24	other	other	ADJ
cjfa-34391	97	25	minerals	mineral	NOUN
cjfa-34391	97	26	from	from	ADP
cjfa-34391	97	27	its	its	PRON
cjfa-34391	97	28	rich	rich	ADJ
cjfa-34391	97	29	natural	natural	ADJ
cjfa-34391	97	30	resources	resource	NOUN
cjfa-34391	97	31	base	base	NOUN
cjfa-34391	97	32	,	,	PUNCT
cjfa-34391	97	33	commerce	commerce	NOUN
cjfa-34391	97	34	and	and	CCONJ
cjfa-34391	97	35	trade	trade	NOUN
cjfa-34391	97	36	,	,	PUNCT
cjfa-34391	97	37	tourism	tourism	NOUN
cjfa-34391	97	38	and	and	CCONJ
cjfa-34391	97	39	agriculture	agriculture	NOUN
cjfa-34391	97	40	.	.	PUNCT
cjfa-34391	98	1	with	with	ADP
cjfa-34391	98	2	a	a	DET
cjfa-34391	98	3	tropical	tropical	ADJ
cjfa-34391	98	4	continental	continental	ADJ
cjfa-34391	98	5	climate	climate	NOUN
cjfa-34391	98	6	that	that	PRON
cjfa-34391	98	7	is	be	AUX
cjfa-34391	98	8	modified	modify	VERB
cjfa-34391	98	9	by	by	ADP
cjfa-34391	98	10	an	an	DET
cjfa-34391	98	11	altitude	altitude	NOUN
cjfa-34391	98	12	of	of	ADP
cjfa-34391	98	13	900	900	NUM
cjfa-34391	98	14	-	-	SYM
cjfa-34391	98	15	1,500	1,500	NUM
cjfa-34391	98	16	metres	metre	NOUN
cjfa-34391	98	17	above	above	ADP
cjfa-34391	98	18	sea	sea	NOUN
cjfa-34391	98	19	level	level	NOUN
cjfa-34391	98	20	,	,	PUNCT
cjfa-34391	98	21	zambia	zambia	PROPN
cjfa-34391	98	22	is	be	AUX
cjfa-34391	98	23	generally	generally	ADV
cjfa-34391	98	24	favourable	favourable	ADJ
cjfa-34391	98	25	to	to	ADP
cjfa-34391	98	26	human	human	ADJ
cjfa-34391	98	27	settlement	settlement	NOUN
cjfa-34391	98	28	and	and	CCONJ
cjfa-34391	98	29	comfort	comfort	PROPN
cjfa-34391	98	30	(	(	PUNCT
cjfa-34391	98	31	roberts	roberts	PROPN
cjfa-34391	98	32	,	,	PUNCT
cjfa-34391	98	33	2020	2020	NUM
cjfa-34391	98	34	)	)	PUNCT
cjfa-34391	98	35	.	.	PUNCT
cjfa-34391	99	1	the	the	DET
cjfa-34391	99	2	country	country	NOUN
cjfa-34391	99	3	’s	’s	PART
cjfa-34391	99	4	socio	socio	NOUN
cjfa-34391	99	5	-	-	PUNCT
cjfa-34391	99	6	economic	economic	ADJ
cjfa-34391	99	7	sectors	sector	NOUN
cjfa-34391	99	8	presently	presently	ADV
cjfa-34391	99	9	support	support	VERB
cjfa-34391	99	10	co	co	ADJ
cjfa-34391	99	11	-	-	ADJ
cjfa-34391	99	12	evolutionary	evolutionary	ADJ
cjfa-34391	99	13	dynamics	dynamic	NOUN
cjfa-34391	99	14	of	of	ADP
cjfa-34391	99	15	financial	financial	ADJ
cjfa-34391	99	16	inclusion	inclusion	NOUN
cjfa-34391	99	17	of	of	ADP
cjfa-34391	99	18	generation	generation	NOUN
cjfa-34391	99	19	z	z	NOUN
cjfa-34391	99	20	…	…	PUNCT
cjfa-34391	99	21	35	35	NUM
cjfa-34391	99	22	an	an	DET
cjfa-34391	99	23	estimated	estimate	VERB
cjfa-34391	99	24	human	human	ADJ
cjfa-34391	99	25	population	population	NOUN
cjfa-34391	99	26	of	of	ADP
cjfa-34391	99	27	18.5	18.5	NUM
cjfa-34391	99	28	million	million	NUM
cjfa-34391	99	29	with	with	ADP
cjfa-34391	99	30	a	a	DET
cjfa-34391	99	31	median	median	ADJ
cjfa-34391	99	32	age	age	NOUN
cjfa-34391	99	33	of	of	ADP
cjfa-34391	99	34	17.6	17.6	NUM
cjfa-34391	99	35	years	year	NOUN
cjfa-34391	99	36	(	(	PUNCT
cjfa-34391	99	37	worldometer	worldometer	NOUN
cjfa-34391	99	38	,	,	PUNCT
cjfa-34391	99	39	2020	2020	NUM
cjfa-34391	99	40	)	)	PUNCT
cjfa-34391	99	41	.	.	PUNCT
cjfa-34391	100	1	the	the	DET
cjfa-34391	100	2	world	world	PROPN
cjfa-34391	100	3	bank	bank	PROPN
cjfa-34391	100	4	(	(	PUNCT
cjfa-34391	100	5	2020	2020	NUM
cjfa-34391	100	6	)	)	PUNCT
cjfa-34391	100	7	remarks	remark	NOUN
cjfa-34391	100	8	that	that	SCONJ
cjfa-34391	100	9	zambia	zambia	PROPN
cjfa-34391	100	10	is	be	AUX
cjfa-34391	100	11	one	one	NUM
cjfa-34391	100	12	of	of	ADP
cjfa-34391	100	13	the	the	DET
cjfa-34391	100	14	world	world	NOUN
cjfa-34391	100	15	’s	’s	PART
cjfa-34391	100	16	youngest	young	ADJ
cjfa-34391	100	17	countries	country	NOUN
cjfa-34391	100	18	by	by	ADP
cjfa-34391	100	19	median	median	ADJ
cjfa-34391	100	20	age	age	NOUN
cjfa-34391	100	21	,	,	PUNCT
cjfa-34391	100	22	and	and	CCONJ
cjfa-34391	100	23	is	be	AUX
cjfa-34391	100	24	experiencing	experience	VERB
cjfa-34391	100	25	a	a	DET
cjfa-34391	100	26	large	large	ADJ
cjfa-34391	100	27	demographic	demographic	ADJ
cjfa-34391	100	28	shift	shift	NOUN
cjfa-34391	100	29	that	that	PRON
cjfa-34391	100	30	is	be	AUX
cjfa-34391	100	31	expected	expect	VERB
cjfa-34391	100	32	to	to	PART
cjfa-34391	100	33	continue	continue	VERB
cjfa-34391	100	34	as	as	SCONJ
cjfa-34391	100	35	the	the	DET
cjfa-34391	100	36	large	large	ADJ
cjfa-34391	100	37	youth	youth	NOUN
cjfa-34391	100	38	population	population	NOUN
cjfa-34391	100	39	enters	enter	VERB
cjfa-34391	100	40	reproductive	reproductive	ADJ
cjfa-34391	100	41	age	age	NOUN
cjfa-34391	100	42	.	.	PUNCT
cjfa-34391	101	1	roberts	roberts	PROPN
cjfa-34391	101	2	(	(	PUNCT
cjfa-34391	101	3	2020	2020	NUM
cjfa-34391	101	4	)	)	PUNCT
cjfa-34391	101	5	puts	put	VERB
cjfa-34391	101	6	zambia	zambia	PROPN
cjfa-34391	101	7	’	'	PUNCT
cjfa-34391	101	8	demographic	demographic	ADJ
cjfa-34391	101	9	transition	transition	NOUN
cjfa-34391	101	10	into	into	ADP
cjfa-34391	101	11	perspective	perspective	NOUN
cjfa-34391	101	12	,	,	PUNCT
cjfa-34391	101	13	highlighting	highlight	VERB
cjfa-34391	101	14	that	that	SCONJ
cjfa-34391	101	15	73.6	73.6	NUM
cjfa-34391	101	16	percent	percent	NOUN
cjfa-34391	101	17	of	of	ADP
cjfa-34391	101	18	zambia	zambia	PROPN
cjfa-34391	101	19	’s	’s	PART
cjfa-34391	101	20	population	population	NOUN
cjfa-34391	101	21	is	be	AUX
cjfa-34391	101	22	under	under	ADP
cjfa-34391	101	23	the	the	DET
cjfa-34391	101	24	age	age	NOUN
cjfa-34391	101	25	of	of	ADP
cjfa-34391	101	26	30	30	NUM
cjfa-34391	101	27	(	(	PUNCT
cjfa-34391	101	28	see	see	VERB
cjfa-34391	101	29	figure	figure	NOUN
cjfa-34391	101	30	2	2	NUM
cjfa-34391	101	31	)	)	PUNCT
cjfa-34391	101	32	.	.	PUNCT
cjfa-34391	102	1	of	of	ADP
cjfa-34391	102	2	interest	interest	NOUN
cjfa-34391	102	3	to	to	ADP
cjfa-34391	102	4	this	this	DET
cjfa-34391	102	5	research	research	NOUN
cjfa-34391	102	6	is	be	AUX
cjfa-34391	102	7	generation	generation	NOUN
cjfa-34391	102	8	z	z	NOUN
cjfa-34391	102	9	that	that	PRON
cjfa-34391	102	10	is	be	AUX
cjfa-34391	102	11	at	at	ADP
cjfa-34391	102	12	least	least	ADJ
cjfa-34391	102	13	27.6	27.6	NUM
cjfa-34391	102	14	percent	percent	NOUN
cjfa-34391	102	15	of	of	ADP
cjfa-34391	102	16	zambia	zambia	PROPN
cjfa-34391	102	17	’s	’s	PART
cjfa-34391	102	18	youthful	youthful	ADJ
cjfa-34391	102	19	population	population	NOUN
cjfa-34391	102	20	,	,	PUNCT
cjfa-34391	102	21	and	and	CCONJ
cjfa-34391	102	22	is	be	AUX
cjfa-34391	102	23	herein	herein	ADJ
cjfa-34391	102	24	postulated	postulate	VERB
cjfa-34391	102	25	to	to	PART
cjfa-34391	102	26	have	have	VERB
cjfa-34391	102	27	a	a	DET
cjfa-34391	102	28	high	high	ADJ
cjfa-34391	102	29	consumer	consumer	NOUN
cjfa-34391	102	30	demand	demand	NOUN
cjfa-34391	102	31	for	for	ADP
cjfa-34391	102	32	digital	digital	ADJ
cjfa-34391	102	33	financial	financial	ADJ
cjfa-34391	102	34	services	service	NOUN
cjfa-34391	102	35	given	give	VERB
cjfa-34391	102	36	its	its	PRON
cjfa-34391	102	37	relatively	relatively	ADV
cjfa-34391	102	38	high	high	ADJ
cjfa-34391	102	39	digital	digital	ADJ
cjfa-34391	102	40	consumerism	consumerism	NOUN
cjfa-34391	102	41	.	.	PUNCT
cjfa-34391	103	1	figure	figure	VERB
cjfa-34391	103	2	2	2	NUM
cjfa-34391	103	3	.	.	X
cjfa-34391	103	4	zambia	zambia	PROPN
cjfa-34391	103	5	’	'	PUNCT
cjfa-34391	103	6	population	population	NOUN
cjfa-34391	103	7	breakdown	breakdown	NOUN
cjfa-34391	103	8	puts	put	VERB
cjfa-34391	103	9	zambia	zambia	PROPN
cjfa-34391	103	10	’	'	PUNCT
cjfa-34391	103	11	demographic	demographic	ADJ
cjfa-34391	103	12	transition	transition	NOUN
cjfa-34391	103	13	into	into	ADP
cjfa-34391	103	14	perspective	perspective	NOUN
cjfa-34391	103	15	,	,	PUNCT
cjfa-34391	103	16	highlighting	highlight	VERB
cjfa-34391	103	17	that	that	SCONJ
cjfa-34391	103	18	73.6	73.6	NUM
cjfa-34391	103	19	percent	percent	NOUN
cjfa-34391	103	20	of	of	ADP
cjfa-34391	103	21	zambia	zambia	PROPN
cjfa-34391	103	22	’s	’s	PART
cjfa-34391	103	23	population	population	NOUN
cjfa-34391	103	24	is	be	AUX
cjfa-34391	103	25	under	under	ADP
cjfa-34391	103	26	the	the	DET
cjfa-34391	103	27	age	age	NOUN
cjfa-34391	103	28	of	of	ADP
cjfa-34391	103	29	30	30	NUM
cjfa-34391	103	30	(	(	PUNCT
cjfa-34391	103	31	see	see	VERB
cjfa-34391	103	32	figure	figure	NOUN
cjfa-34391	103	33	2	2	NUM
cjfa-34391	103	34	)	)	PUNCT
cjfa-34391	103	35	.	.	PUNCT
cjfa-34391	104	1	of	of	ADP
cjfa-34391	104	2	interest	interest	NOUN
cjfa-34391	104	3	to	to	ADP
cjfa-34391	104	4	this	this	DET
cjfa-34391	104	5	research	research	NOUN
cjfa-34391	104	6	is	be	AUX
cjfa-34391	104	7	generation	generation	NOUN
cjfa-34391	104	8	z	z	NOUN
cjfa-34391	104	9	that	that	PRON
cjfa-34391	104	10	is	be	AUX
cjfa-34391	104	11	at	at	ADP
cjfa-34391	104	12	least	least	ADJ
cjfa-34391	104	13	27.6	27.6	NUM
cjfa-34391	104	14	percent	percent	NOUN
cjfa-34391	104	15	of	of	ADP
cjfa-34391	104	16	zambia	zambia	PROPN
cjfa-34391	104	17	’s	’s	PART
cjfa-34391	104	18	youthful	youthful	ADJ
cjfa-34391	104	19	population	population	NOUN
cjfa-34391	104	20	,	,	PUNCT
cjfa-34391	104	21	and	and	CCONJ
cjfa-34391	104	22	is	be	AUX
cjfa-34391	104	23	herein	herein	ADJ
cjfa-34391	104	24	postulated	postulate	VERB
cjfa-34391	104	25	to	to	PART
cjfa-34391	104	26	have	have	VERB
cjfa-34391	104	27	a	a	DET
cjfa-34391	104	28	high	high	ADJ
cjfa-34391	104	29	consumer	consumer	NOUN
cjfa-34391	104	30	demand	demand	NOUN
cjfa-34391	104	31	for	for	ADP
cjfa-34391	104	32	digital	digital	ADJ
cjfa-34391	104	33	financial	financial	ADJ
cjfa-34391	104	34	services	service	NOUN
cjfa-34391	104	35	given	give	VERB
cjfa-34391	104	36	its	its	PRON
cjfa-34391	104	37	relatively	relatively	ADV
cjfa-34391	104	38	high	high	ADJ
cjfa-34391	104	39	digital	digital	ADJ
cjfa-34391	104	40	consumerism	consumerism	NOUN
cjfa-34391	104	41	.	.	PUNCT
cjfa-34391	105	1	figure	figure	VERB
cjfa-34391	105	2	2	2	NUM
cjfa-34391	105	3	.	.	X
cjfa-34391	105	4	zambia	zambia	PROPN
cjfa-34391	105	5	'	'	PART
cjfa-34391	105	6	population	population	NOUN
cjfa-34391	105	7	breakdown	breakdown	PROPN
cjfa-34391	105	8	source	source	NOUN
cjfa-34391	105	9	:	:	PUNCT
cjfa-34391	105	10	encyclopaedia	encyclopaedia	PROPN
cjfa-34391	105	11	britannica	britannica	PROPN
cjfa-34391	105	12	,	,	PUNCT
cjfa-34391	105	13	inc	inc	PROPN
cjfa-34391	105	14	.	.	PROPN
cjfa-34391	105	15	in	in	ADP
cjfa-34391	105	16	the	the	DET
cjfa-34391	105	17	matter	matter	NOUN
cjfa-34391	105	18	of	of	ADP
cjfa-34391	105	19	digital	digital	ADJ
cjfa-34391	105	20	financial	financial	ADJ
cjfa-34391	105	21	inclusion	inclusion	NOUN
cjfa-34391	105	22	of	of	ADP
cjfa-34391	105	23	the	the	DET
cjfa-34391	105	24	marginalised	marginalise	VERB
cjfa-34391	105	25	segments	segment	NOUN
cjfa-34391	105	26	of	of	ADP
cjfa-34391	105	27	zambia	zambia	PROPN
cjfa-34391	105	28	’s	’s	PART
cjfa-34391	105	29	human	human	PROPN
cjfa-34391	105	30	demographic	demographic	ADJ
cjfa-34391	105	31	including	include	VERB
cjfa-34391	105	32	generation	generation	NOUN
cjfa-34391	105	33	z	z	PROPN
cjfa-34391	105	34	,	,	PUNCT
cjfa-34391	105	35	the	the	DET
cjfa-34391	105	36	world	world	PROPN
cjfa-34391	105	37	bank	bank	PROPN
cjfa-34391	105	38	(	(	PUNCT
cjfa-34391	105	39	2017	2017	NUM
cjfa-34391	105	40	)	)	PUNCT
cjfa-34391	105	41	strongly	strongly	ADV
cjfa-34391	105	42	recommends	recommend	VERB
cjfa-34391	105	43	the	the	DET
cjfa-34391	105	44	development	development	NOUN
cjfa-34391	105	45	and	and	CCONJ
cjfa-34391	105	46	provision	provision	NOUN
cjfa-34391	105	47	of	of	ADP
cjfa-34391	105	48	financial	financial	ADJ
cjfa-34391	105	49	services	service	NOUN
cjfa-34391	105	50	geared	gear	VERB
cjfa-34391	105	51	towards	towards	ADP
cjfa-34391	105	52	specific	specific	ADJ
cjfa-34391	105	53	needs	need	NOUN
cjfa-34391	105	54	of	of	ADP
cjfa-34391	105	55	customers	customer	NOUN
cjfa-34391	105	56	,	,	PUNCT
cjfa-34391	105	57	including	include	VERB
cjfa-34391	105	58	through	through	ADP
cjfa-34391	105	59	providing	provide	VERB
cjfa-34391	105	60	cheaper	cheap	ADJ
cjfa-34391	105	61	avenues	avenue	NOUN
cjfa-34391	105	62	for	for	ADP
cjfa-34391	105	63	low	low	ADJ
cjfa-34391	105	64	income	income	NOUN
cjfa-34391	105	65	consumers	consumer	NOUN
cjfa-34391	105	66	to	to	PART
cjfa-34391	105	67	obtain	obtain	VERB
cjfa-34391	105	68	mobile	mobile	ADJ
cjfa-34391	105	69	phones	phone	NOUN
cjfa-34391	105	70	.	.	PUNCT
cjfa-34391	106	1	this	this	DET
cjfa-34391	106	2	recommendation	recommendation	NOUN
cjfa-34391	106	3	arises	arise	VERB
cjfa-34391	106	4	from	from	ADP
cjfa-34391	106	5	a	a	DET
cjfa-34391	106	6	demand	demand	NOUN
cjfa-34391	106	7	-	-	PUNCT
cjfa-34391	106	8	side	side	NOUN
cjfa-34391	106	9	assessment	assessment	NOUN
cjfa-34391	106	10	of	of	ADP
cjfa-34391	106	11	enhancing	enhance	VERB
cjfa-34391	106	12	financial	financial	ADJ
cjfa-34391	106	13	capability	capability	NOUN
cjfa-34391	106	14	and	and	CCONJ
cjfa-34391	106	15	inclusion	inclusion	NOUN
cjfa-34391	106	16	in	in	ADP
cjfa-34391	106	17	zambia	zambia	PROPN
cjfa-34391	106	18	that	that	PRON
cjfa-34391	106	19	showed	show	VERB
cjfa-34391	106	20	that	that	SCONJ
cjfa-34391	106	21	only	only	ADV
cjfa-34391	106	22	40	40	NUM
cjfa-34391	106	23	percent	percent	NOUN
cjfa-34391	106	24	of	of	ADP
cjfa-34391	106	25	zambians	zambian	NOUN
cjfa-34391	106	26	were	be	AUX
cjfa-34391	106	27	formally	formally	ADV
cjfa-34391	106	28	included	include	VERB
cjfa-34391	106	29	in	in	ADP
cjfa-34391	106	30	the	the	DET
cjfa-34391	106	31	financial	financial	ADJ
cjfa-34391	106	32	ecosystem	ecosystem	NOUN
cjfa-34391	106	33	(	(	PUNCT
cjfa-34391	106	34	see	see	VERB
cjfa-34391	106	35	figure	figure	NOUN
cjfa-34391	106	36	3	3	NUM
cjfa-34391	106	37	)	)	PUNCT
cjfa-34391	106	38	.	.	PUNCT
cjfa-34391	107	1	across	across	ADP
cjfa-34391	107	2	the	the	DET
cjfa-34391	107	3	main	main	ADJ
cjfa-34391	107	4	socio	socio	NOUN
cjfa-34391	107	5	-	-	PUNCT
cjfa-34391	107	6	economic	economic	ADJ
cjfa-34391	107	7	and	and	CCONJ
cjfa-34391	107	8	demographic	demographic	ADJ
cjfa-34391	107	9	characteristics	characteristic	NOUN
cjfa-34391	107	10	,	,	PUNCT
cjfa-34391	107	11	income	income	NOUN
cjfa-34391	107	12	level	level	NOUN
cjfa-34391	107	13	was	be	AUX
cjfa-34391	107	14	found	find	VERB
cjfa-34391	107	15	to	to	PART
cjfa-34391	107	16	have	have	VERB
cjfa-34391	107	17	the	the	DET
cjfa-34391	107	18	most	most	ADV
cjfa-34391	107	19	significant	significant	ADJ
cjfa-34391	107	20	impact	impact	NOUN
cjfa-34391	107	21	on	on	ADP
cjfa-34391	107	22	financial	financial	ADJ
cjfa-34391	107	23	inclusion	inclusion	NOUN
cjfa-34391	107	24	,	,	PUNCT
cjfa-34391	107	25	followed	follow	VERB
cjfa-34391	107	26	by	by	ADP
cjfa-34391	107	27	whether	whether	SCONJ
cjfa-34391	107	28	or	or	CCONJ
cjfa-34391	107	29	not	not	PART
cjfa-34391	107	30	adults	adult	NOUN
cjfa-34391	107	31	were	be	AUX
cjfa-34391	107	32	located	locate	VERB
cjfa-34391	107	33	in	in	ADP
cjfa-34391	107	34	rural	rural	ADJ
cjfa-34391	107	35	areas	area	NOUN
cjfa-34391	107	36	and	and	CCONJ
cjfa-34391	107	37	their	their	PRON
cjfa-34391	107	38	gender	gender	NOUN
cjfa-34391	107	39	differences	difference	NOUN
cjfa-34391	107	40	(	(	PUNCT
cjfa-34391	107	41	world	world	PROPN
cjfa-34391	107	42	bank	bank	PROPN
cjfa-34391	107	43	,	,	PUNCT
cjfa-34391	107	44	2017	2017	NUM
cjfa-34391	107	45	)	)	PUNCT
cjfa-34391	107	46	.	.	PUNCT
cjfa-34391	108	1	s	s	PART
cjfa-34391	108	2	o	o	X
cjfa-34391	108	3	u	u	NOUN
cjfa-34391	108	4	r	r	NOUN
cjfa-34391	108	5	c	c	NOUN
cjfa-34391	108	6	e	e	NOUN
cjfa-34391	108	7	:	:	PUNCT
cjfa-34391	108	8	encyclopaedia	encyclopaedia	PROPN
cjfa-34391	108	9	britannica	britannica	PROPN
cjfa-34391	108	10	,	,	PUNCT
cjfa-34391	108	11	inc	inc	PROPN
cjfa-34391	108	12	.	.	PROPN
cjfa-34391	108	13	in	in	ADP
cjfa-34391	108	14	the	the	DET
cjfa-34391	108	15	matter	matter	NOUN
cjfa-34391	108	16	of	of	ADP
cjfa-34391	108	17	digital	digital	ADJ
cjfa-34391	108	18	financial	financial	ADJ
cjfa-34391	108	19	inclusion	inclusion	NOUN
cjfa-34391	108	20	of	of	ADP
cjfa-34391	108	21	the	the	DET
cjfa-34391	108	22	marginalised	marginalise	VERB
cjfa-34391	108	23	segments	segment	NOUN
cjfa-34391	108	24	of	of	ADP
cjfa-34391	108	25	zambia	zambia	PROPN
cjfa-34391	108	26	’s	’s	PART
cjfa-34391	108	27	human	human	PROPN
cjfa-34391	108	28	demographic	demographic	ADJ
cjfa-34391	108	29	including	include	VERB
cjfa-34391	108	30	generation	generation	NOUN
cjfa-34391	108	31	z	z	PROPN
cjfa-34391	108	32	,	,	PUNCT
cjfa-34391	108	33	the	the	DET
cjfa-34391	108	34	world	world	PROPN
cjfa-34391	108	35	bank	bank	PROPN
cjfa-34391	108	36	(	(	PUNCT
cjfa-34391	108	37	2017	2017	NUM
cjfa-34391	108	38	)	)	PUNCT
cjfa-34391	108	39	strongly	strongly	ADV
cjfa-34391	108	40	recommends	recommend	VERB
cjfa-34391	108	41	the	the	DET
cjfa-34391	108	42	development	development	NOUN
cjfa-34391	108	43	and	and	CCONJ
cjfa-34391	108	44	provision	provision	NOUN
cjfa-34391	108	45	of	of	ADP
cjfa-34391	108	46	financial	financial	ADJ
cjfa-34391	108	47	services	service	NOUN
cjfa-34391	108	48	geared	gear	VERB
cjfa-34391	108	49	towards	towards	ADP
cjfa-34391	108	50	specific	specific	ADJ
cjfa-34391	108	51	needs	need	NOUN
cjfa-34391	108	52	of	of	ADP
cjfa-34391	108	53	customers	customer	NOUN
cjfa-34391	108	54	,	,	PUNCT
cjfa-34391	108	55	including	include	VERB
cjfa-34391	108	56	through	through	ADP
cjfa-34391	108	57	providing	provide	VERB
cjfa-34391	108	58	cheaper	cheap	ADJ
cjfa-34391	108	59	avenues	avenue	NOUN
cjfa-34391	108	60	for	for	ADP
cjfa-34391	108	61	low	low	ADJ
cjfa-34391	108	62	income	income	NOUN
cjfa-34391	108	63	consumers	consumer	NOUN
cjfa-34391	108	64	to	to	PART
cjfa-34391	108	65	obtain	obtain	VERB
cjfa-34391	108	66	mobile	mobile	ADJ
cjfa-34391	108	67	phones	phone	NOUN
cjfa-34391	108	68	.	.	PUNCT
cjfa-34391	109	1	this	this	DET
cjfa-34391	109	2	recommendation	recommendation	NOUN
cjfa-34391	109	3	arises	arise	VERB
cjfa-34391	109	4	from	from	ADP
cjfa-34391	109	5	a	a	DET
cjfa-34391	109	6	demand	demand	NOUN
cjfa-34391	109	7	-	-	PUNCT
cjfa-34391	109	8	side	side	NOUN
cjfa-34391	109	9	assessment	assessment	NOUN
cjfa-34391	109	10	of	of	ADP
cjfa-34391	109	11	enhancing	enhance	VERB
cjfa-34391	109	12	financial	financial	ADJ
cjfa-34391	109	13	cadiana	cadiana	PROPN
cjfa-34391	109	14	kangwa	kangwa	PROPN
cjfa-34391	109	15	,	,	PUNCT
cjfa-34391	109	16	joseph	joseph	PROPN
cjfa-34391	109	17	thokozani	thokozani	PROPN
cjfa-34391	109	18	mwale	mwale	PROPN
cjfa-34391	109	19	,	,	PUNCT
cjfa-34391	109	20	junaid	junaid	VERB
cjfa-34391	109	21	m.	m.	PROPN
cjfa-34391	109	22	shaikh36	shaikh36	PROPN
cjfa-34391	109	23	pability	pability	NOUN
cjfa-34391	109	24	and	and	CCONJ
cjfa-34391	109	25	inclusion	inclusion	NOUN
cjfa-34391	109	26	in	in	ADP
cjfa-34391	109	27	zambia	zambia	PROPN
cjfa-34391	109	28	that	that	PRON
cjfa-34391	109	29	showed	show	VERB
cjfa-34391	109	30	that	that	SCONJ
cjfa-34391	109	31	only	only	ADV
cjfa-34391	109	32	40	40	NUM
cjfa-34391	109	33	percent	percent	NOUN
cjfa-34391	109	34	of	of	ADP
cjfa-34391	109	35	zambians	zambian	NOUN
cjfa-34391	109	36	were	be	AUX
cjfa-34391	109	37	formally	formally	ADV
cjfa-34391	109	38	included	include	VERB
cjfa-34391	109	39	in	in	ADP
cjfa-34391	109	40	the	the	DET
cjfa-34391	109	41	financial	financial	ADJ
cjfa-34391	109	42	ecosystem	ecosystem	NOUN
cjfa-34391	109	43	(	(	PUNCT
cjfa-34391	109	44	see	see	VERB
cjfa-34391	109	45	figure	figure	NOUN
cjfa-34391	109	46	3	3	NUM
cjfa-34391	109	47	)	)	PUNCT
cjfa-34391	109	48	.	.	PUNCT
cjfa-34391	110	1	across	across	ADP
cjfa-34391	110	2	the	the	DET
cjfa-34391	110	3	main	main	ADJ
cjfa-34391	110	4	socio	socio	NOUN
cjfa-34391	110	5	-	-	PUNCT
cjfa-34391	110	6	economic	economic	ADJ
cjfa-34391	110	7	and	and	CCONJ
cjfa-34391	110	8	demographic	demographic	ADJ
cjfa-34391	110	9	characteristics	characteristic	NOUN
cjfa-34391	110	10	,	,	PUNCT
cjfa-34391	110	11	income	income	NOUN
cjfa-34391	110	12	level	level	NOUN
cjfa-34391	110	13	was	be	AUX
cjfa-34391	110	14	found	find	VERB
cjfa-34391	110	15	to	to	PART
cjfa-34391	110	16	have	have	VERB
cjfa-34391	110	17	the	the	DET
cjfa-34391	110	18	most	most	ADV
cjfa-34391	110	19	significant	significant	ADJ
cjfa-34391	110	20	impact	impact	NOUN
cjfa-34391	110	21	on	on	ADP
cjfa-34391	110	22	financial	financial	ADJ
cjfa-34391	110	23	inclusion	inclusion	NOUN
cjfa-34391	110	24	,	,	PUNCT
cjfa-34391	110	25	followed	follow	VERB
cjfa-34391	110	26	by	by	ADP
cjfa-34391	110	27	whether	whether	SCONJ
cjfa-34391	110	28	or	or	CCONJ
cjfa-34391	110	29	not	not	PART
cjfa-34391	110	30	adults	adult	NOUN
cjfa-34391	110	31	were	be	AUX
cjfa-34391	110	32	located	locate	VERB
cjfa-34391	110	33	in	in	ADP
cjfa-34391	110	34	rural	rural	ADJ
cjfa-34391	110	35	areas	area	NOUN
cjfa-34391	110	36	and	and	CCONJ
cjfa-34391	110	37	their	their	PRON
cjfa-34391	110	38	gender	gender	NOUN
cjfa-34391	110	39	differences	difference	NOUN
cjfa-34391	110	40	(	(	PUNCT
cjfa-34391	110	41	world	world	PROPN
cjfa-34391	110	42	bank	bank	PROPN
cjfa-34391	110	43	,	,	PUNCT
cjfa-34391	110	44	2017	2017	NUM
cjfa-34391	110	45	)	)	PUNCT
cjfa-34391	110	46	.	.	PUNCT
cjfa-34391	111	1	figure	figure	VERB
cjfa-34391	111	2	3	3	NUM
cjfa-34391	111	3	.	.	PUNCT
cjfa-34391	111	4	status	status	NOUN
cjfa-34391	111	5	of	of	ADP
cjfa-34391	111	6	financial	financial	ADJ
cjfa-34391	111	7	inclusion	inclusion	NOUN
cjfa-34391	111	8	in	in	ADP
cjfa-34391	111	9	zambia	zambia	PROPN
cjfa-34391	111	10	figure	figure	NOUN
cjfa-34391	111	11	3	3	NUM
cjfa-34391	111	12	.	.	PUNCT
cjfa-34391	111	13	status	status	NOUN
cjfa-34391	111	14	of	of	ADP
cjfa-34391	111	15	financial	financial	ADJ
cjfa-34391	111	16	inclusion	inclusion	NOUN
cjfa-34391	111	17	in	in	ADP
cjfa-34391	111	18	zambia	zambia	PROPN
cjfa-34391	111	19	source	source	PROPN
cjfa-34391	111	20	:	:	PUNCT
cjfa-34391	111	21	world	world	PROPN
cjfa-34391	111	22	bank	bank	PROPN
cjfa-34391	111	23	.	.	PUNCT
cjfa-34391	112	1	in	in	ADP
cjfa-34391	112	2	view	view	NOUN
cjfa-34391	112	3	of	of	ADP
cjfa-34391	112	4	the	the	DET
cjfa-34391	112	5	foregoing	forego	VERB
cjfa-34391	112	6	theoretical	theoretical	ADJ
cjfa-34391	112	7	background	background	NOUN
cjfa-34391	112	8	to	to	ADP
cjfa-34391	112	9	this	this	DET
cjfa-34391	112	10	present	present	ADJ
cjfa-34391	112	11	work	work	NOUN
cjfa-34391	112	12	,	,	PUNCT
cjfa-34391	112	13	the	the	DET
cjfa-34391	112	14	objectives	objective	NOUN
cjfa-34391	112	15	of	of	ADP
cjfa-34391	112	16	this	this	DET
cjfa-34391	112	17	paper	paper	NOUN
cjfa-34391	112	18	are	be	AUX
cjfa-34391	112	19	twofold	twofold	ADJ
cjfa-34391	112	20	:	:	PUNCT
cjfa-34391	112	21	firstly	firstly	ADV
cjfa-34391	112	22	,	,	PUNCT
cjfa-34391	112	23	to	to	PART
cjfa-34391	112	24	characterise	characterise	VERB
cjfa-34391	112	25	the	the	DET
cjfa-34391	112	26	dynamic	dynamic	ADJ
cjfa-34391	112	27	complexity	complexity	NOUN
cjfa-34391	112	28	of	of	ADP
cjfa-34391	112	29	a	a	DET
cjfa-34391	112	30	digital	digital	ADJ
cjfa-34391	112	31	financial	financial	ADJ
cjfa-34391	112	32	ecosystem	ecosystem	NOUN
cjfa-34391	112	33	;	;	PUNCT
cjfa-34391	112	34	and	and	CCONJ
cjfa-34391	112	35	secondly	secondly	ADV
cjfa-34391	112	36	,	,	PUNCT
cjfa-34391	112	37	to	to	PART
cjfa-34391	112	38	visually	visually	ADV
cjfa-34391	112	39	quantify	quantify	VERB
cjfa-34391	112	40	the	the	DET
cjfa-34391	112	41	co	co	ADJ
cjfa-34391	112	42	-	-	ADJ
cjfa-34391	112	43	evolutionary	evolutionary	ADJ
cjfa-34391	112	44	dynamics	dynamic	NOUN
cjfa-34391	112	45	of	of	ADP
cjfa-34391	112	46	financial	financial	ADJ
cjfa-34391	112	47	inclusion	inclusion	NOUN
cjfa-34391	112	48	of	of	ADP
cjfa-34391	112	49	generation	generation	NOUN
cjfa-34391	112	50	z	z	NOUN
cjfa-34391	112	51	in	in	ADP
cjfa-34391	112	52	the	the	DET
cjfa-34391	112	53	digital	digital	ADJ
cjfa-34391	112	54	financial	financial	ADJ
cjfa-34391	112	55	ecosystem	ecosystem	NOUN
cjfa-34391	112	56	set	set	VERB
cjfa-34391	112	57	within	within	ADP
cjfa-34391	112	58	sub	sub	ADJ
cjfa-34391	112	59	-	-	ADJ
cjfa-34391	112	60	saharan	saharan	ADJ
cjfa-34391	112	61	africa	africa	PROPN
cjfa-34391	112	62	.	.	PUNCT
cjfa-34391	113	1	the	the	DET
cjfa-34391	113	2	rest	rest	NOUN
cjfa-34391	113	3	of	of	ADP
cjfa-34391	113	4	the	the	DET
cjfa-34391	113	5	research	research	NOUN
cjfa-34391	113	6	paper	paper	NOUN
cjfa-34391	113	7	then	then	ADV
cjfa-34391	113	8	goes	go	VERB
cjfa-34391	113	9	about	about	ADP
cjfa-34391	113	10	presenting	present	VERB
cjfa-34391	113	11	the	the	DET
cjfa-34391	113	12	research	research	NOUN
cjfa-34391	113	13	methodology	methodology	NOUN
cjfa-34391	113	14	and	and	CCONJ
cjfa-34391	113	15	research	research	NOUN
cjfa-34391	113	16	process	process	NOUN
cjfa-34391	113	17	with	with	ADP
cjfa-34391	113	18	narratives	narrative	NOUN
cjfa-34391	113	19	of	of	ADP
cjfa-34391	113	20	the	the	DET
cjfa-34391	113	21	research	research	NOUN
cjfa-34391	113	22	approach	approach	NOUN
cjfa-34391	113	23	,	,	PUNCT
cjfa-34391	113	24	data	datum	NOUN
cjfa-34391	113	25	and	and	CCONJ
cjfa-34391	113	26	sources	source	NOUN
cjfa-34391	113	27	and	and	CCONJ
cjfa-34391	113	28	data	datum	NOUN
cjfa-34391	113	29	analysis	analysis	NOUN
cjfa-34391	113	30	techniques	technique	NOUN
cjfa-34391	113	31	.	.	PUNCT
cjfa-34391	114	1	thereafter	thereafter	ADV
cjfa-34391	114	2	,	,	PUNCT
cjfa-34391	114	3	the	the	DET
cjfa-34391	114	4	results	result	NOUN
cjfa-34391	114	5	and	and	CCONJ
cjfa-34391	114	6	conclusions	conclusion	NOUN
cjfa-34391	114	7	of	of	ADP
cjfa-34391	114	8	the	the	DET
cjfa-34391	114	9	study	study	NOUN
cjfa-34391	114	10	are	be	AUX
cjfa-34391	114	11	presented	present	VERB
cjfa-34391	114	12	based	base	VERB
cjfa-34391	114	13	on	on	ADP
cjfa-34391	114	14	a	a	DET
cjfa-34391	114	15	thoughtful	thoughtful	ADJ
cjfa-34391	114	16	discussion	discussion	NOUN
cjfa-34391	114	17	to	to	PART
cjfa-34391	114	18	highlight	highlight	VERB
cjfa-34391	114	19	the	the	DET
cjfa-34391	114	20	implications	implication	NOUN
cjfa-34391	114	21	of	of	ADP
cjfa-34391	114	22	the	the	DET
cjfa-34391	114	23	results	result	NOUN
cjfa-34391	114	24	for	for	ADP
cjfa-34391	114	25	policy	policy	NOUN
cjfa-34391	114	26	and	and	CCONJ
cjfa-34391	114	27	future	future	ADJ
cjfa-34391	114	28	research	research	NOUN
cjfa-34391	114	29	.	.	PUNCT
cjfa-34391	115	1	research	research	NOUN
cjfa-34391	115	2	methodology	methodology	NOUN
cjfa-34391	115	3	and	and	CCONJ
cjfa-34391	115	4	research	research	NOUN
cjfa-34391	115	5	process	process	NOUN
cjfa-34391	115	6	this	this	DET
cjfa-34391	115	7	research	research	NOUN
cjfa-34391	115	8	is	be	AUX
cjfa-34391	115	9	founded	found	VERB
cjfa-34391	115	10	upon	upon	SCONJ
cjfa-34391	115	11	the	the	DET
cjfa-34391	115	12	interpretive	interpretive	ADJ
cjfa-34391	115	13	and	and	CCONJ
cjfa-34391	115	14	positivist	positivist	ADJ
cjfa-34391	115	15	epistemologies	epistemology	NOUN
cjfa-34391	115	16	with	with	ADP
cjfa-34391	115	17	the	the	DET
cjfa-34391	115	18	ontological	ontological	ADJ
cjfa-34391	115	19	assumptions	assumption	NOUN
cjfa-34391	115	20	that	that	SCONJ
cjfa-34391	115	21	there	there	PRON
cjfa-34391	115	22	is	be	VERB
cjfa-34391	115	23	subjective	subjective	ADJ
cjfa-34391	115	24	and	and	CCONJ
cjfa-34391	115	25	objective	objective	ADJ
cjfa-34391	115	26	reality	reality	NOUN
cjfa-34391	115	27	that	that	PRON
cjfa-34391	115	28	can	can	AUX
cjfa-34391	115	29	respectively	respectively	ADV
cjfa-34391	115	30	be	be	AUX
cjfa-34391	115	31	understood	understand	VERB
cjfa-34391	115	32	by	by	ADP
cjfa-34391	115	33	observation	observation	NOUN
cjfa-34391	115	34	and	and	CCONJ
cjfa-34391	115	35	empirical	empirical	ADJ
cjfa-34391	115	36	evidence	evidence	NOUN
cjfa-34391	115	37	(	(	PUNCT
cjfa-34391	115	38	see	see	VERB
cjfa-34391	115	39	figure	figure	NOUN
cjfa-34391	115	40	4	4	NUM
cjfa-34391	115	41	)	)	PUNCT
cjfa-34391	115	42	.	.	PUNCT
cjfa-34391	116	1	this	this	DET
cjfa-34391	116	2	philosophical	philosophical	ADJ
cjfa-34391	116	3	worldview	worldview	NOUN
cjfa-34391	116	4	points	point	NOUN
cjfa-34391	116	5	to	to	ADP
cjfa-34391	116	6	a	a	DET
cjfa-34391	116	7	mixed	mixed	ADJ
cjfa-34391	116	8	-	-	PUNCT
cjfa-34391	116	9	methods	method	NOUN
cjfa-34391	116	10	research	research	NOUN
cjfa-34391	116	11	design	design	NOUN
cjfa-34391	116	12	involving	involve	VERB
cjfa-34391	116	13	both	both	CCONJ
cjfa-34391	116	14	qualitative	qualitative	ADJ
cjfa-34391	116	15	and	and	CCONJ
cjfa-34391	116	16	quantitative	quantitative	ADJ
cjfa-34391	116	17	approaches	approach	NOUN
cjfa-34391	116	18	.	.	PUNCT
cjfa-34391	117	1	wisdom	wisdom	NOUN
cjfa-34391	117	2	and	and	CCONJ
cjfa-34391	117	3	creswell	creswell	PROPN
cjfa-34391	117	4	(	(	PUNCT
cjfa-34391	117	5	2013	2013	NUM
cjfa-34391	117	6	)	)	PUNCT
cjfa-34391	117	7	clarify	clarify	VERB
cjfa-34391	117	8	that	that	SCONJ
cjfa-34391	117	9	the	the	DET
cjfa-34391	117	10	term	term	NOUN
cjfa-34391	117	11	“	"	PUNCT
cjfa-34391	117	12	mixed	mixed	ADJ
cjfa-34391	117	13	methods	method	NOUN
cjfa-34391	117	14	”	"	PUNCT
cjfa-34391	117	15	refers	refer	VERB
cjfa-34391	117	16	to	to	ADP
cjfa-34391	117	17	an	an	DET
cjfa-34391	117	18	emergent	emergent	ADJ
cjfa-34391	117	19	methodology	methodology	NOUN
cjfa-34391	117	20	of	of	ADP
cjfa-34391	117	21	research	research	NOUN
cjfa-34391	117	22	that	that	PRON
cjfa-34391	117	23	advances	advance	VERB
cjfa-34391	117	24	the	the	DET
cjfa-34391	117	25	systematic	systematic	ADJ
cjfa-34391	117	26	integration	integration	NOUN
cjfa-34391	117	27	,	,	PUNCT
cjfa-34391	117	28	or	or	CCONJ
cjfa-34391	117	29	s	s	VERB
cjfa-34391	117	30	o	o	NOUN
cjfa-34391	117	31	u	u	NOUN
cjfa-34391	117	32	r	r	NOUN
cjfa-34391	117	33	c	c	NOUN
cjfa-34391	117	34	e	e	NOUN
cjfa-34391	117	35	:	:	PUNCT
cjfa-34391	117	36	world	world	PROPN
cjfa-34391	117	37	bank	bank	PROPN
cjfa-34391	117	38	.	.	PUNCT
cjfa-34391	118	1	in	in	ADP
cjfa-34391	118	2	view	view	NOUN
cjfa-34391	118	3	of	of	ADP
cjfa-34391	118	4	the	the	DET
cjfa-34391	118	5	foregoing	forego	VERB
cjfa-34391	118	6	theoretical	theoretical	ADJ
cjfa-34391	118	7	background	background	NOUN
cjfa-34391	118	8	to	to	ADP
cjfa-34391	118	9	this	this	DET
cjfa-34391	118	10	present	present	ADJ
cjfa-34391	118	11	work	work	NOUN
cjfa-34391	118	12	,	,	PUNCT
cjfa-34391	118	13	the	the	DET
cjfa-34391	118	14	objectives	objective	NOUN
cjfa-34391	118	15	of	of	ADP
cjfa-34391	118	16	this	this	DET
cjfa-34391	118	17	paper	paper	NOUN
cjfa-34391	118	18	are	be	AUX
cjfa-34391	118	19	twofold	twofold	ADJ
cjfa-34391	118	20	:	:	PUNCT
cjfa-34391	118	21	firstly	firstly	ADV
cjfa-34391	118	22	,	,	PUNCT
cjfa-34391	118	23	to	to	PART
cjfa-34391	118	24	characterise	characterise	VERB
cjfa-34391	118	25	the	the	DET
cjfa-34391	118	26	dynamic	dynamic	ADJ
cjfa-34391	118	27	complexity	complexity	NOUN
cjfa-34391	118	28	of	of	ADP
cjfa-34391	118	29	a	a	DET
cjfa-34391	118	30	digital	digital	ADJ
cjfa-34391	118	31	financial	financial	ADJ
cjfa-34391	118	32	ecosystem	ecosystem	NOUN
cjfa-34391	118	33	;	;	PUNCT
cjfa-34391	118	34	and	and	CCONJ
cjfa-34391	118	35	secondly	secondly	ADV
cjfa-34391	118	36	,	,	PUNCT
cjfa-34391	118	37	to	to	PART
cjfa-34391	118	38	visually	visually	ADV
cjfa-34391	118	39	quantify	quantify	VERB
cjfa-34391	118	40	the	the	DET
cjfa-34391	118	41	co	co	ADJ
cjfa-34391	118	42	-	-	ADJ
cjfa-34391	118	43	evolutionary	evolutionary	ADJ
cjfa-34391	118	44	dynamics	dynamic	NOUN
cjfa-34391	118	45	of	of	ADP
cjfa-34391	118	46	financial	financial	ADJ
cjfa-34391	118	47	inclusion	inclusion	NOUN
cjfa-34391	118	48	of	of	ADP
cjfa-34391	118	49	generation	generation	NOUN
cjfa-34391	118	50	z	z	NOUN
cjfa-34391	118	51	in	in	ADP
cjfa-34391	118	52	the	the	DET
cjfa-34391	118	53	digital	digital	ADJ
cjfa-34391	118	54	financial	financial	ADJ
cjfa-34391	118	55	ecosystem	ecosystem	NOUN
cjfa-34391	118	56	set	set	VERB
cjfa-34391	118	57	within	within	ADP
cjfa-34391	118	58	sub	sub	ADJ
cjfa-34391	118	59	-	-	ADJ
cjfa-34391	118	60	saharan	saharan	ADJ
cjfa-34391	118	61	africa	africa	PROPN
cjfa-34391	118	62	.	.	PUNCT
cjfa-34391	119	1	the	the	DET
cjfa-34391	119	2	rest	rest	NOUN
cjfa-34391	119	3	of	of	ADP
cjfa-34391	119	4	the	the	DET
cjfa-34391	119	5	research	research	NOUN
cjfa-34391	119	6	paper	paper	NOUN
cjfa-34391	119	7	then	then	ADV
cjfa-34391	119	8	goes	go	VERB
cjfa-34391	119	9	about	about	ADP
cjfa-34391	119	10	presenting	present	VERB
cjfa-34391	119	11	the	the	DET
cjfa-34391	119	12	research	research	NOUN
cjfa-34391	119	13	methodology	methodology	NOUN
cjfa-34391	119	14	and	and	CCONJ
cjfa-34391	119	15	research	research	NOUN
cjfa-34391	119	16	process	process	NOUN
cjfa-34391	119	17	with	with	ADP
cjfa-34391	119	18	narratives	narrative	NOUN
cjfa-34391	119	19	of	of	ADP
cjfa-34391	119	20	the	the	DET
cjfa-34391	119	21	research	research	NOUN
cjfa-34391	119	22	approach	approach	NOUN
cjfa-34391	119	23	,	,	PUNCT
cjfa-34391	119	24	data	datum	NOUN
cjfa-34391	119	25	and	and	CCONJ
cjfa-34391	119	26	sources	source	NOUN
cjfa-34391	119	27	and	and	CCONJ
cjfa-34391	119	28	data	datum	NOUN
cjfa-34391	119	29	analysis	analysis	NOUN
cjfa-34391	119	30	techniques	technique	NOUN
cjfa-34391	119	31	.	.	PUNCT
cjfa-34391	120	1	thereafter	thereafter	ADV
cjfa-34391	120	2	,	,	PUNCT
cjfa-34391	120	3	the	the	DET
cjfa-34391	120	4	results	result	NOUN
cjfa-34391	120	5	and	and	CCONJ
cjfa-34391	120	6	conclusions	conclusion	NOUN
cjfa-34391	120	7	of	of	ADP
cjfa-34391	120	8	the	the	DET
cjfa-34391	120	9	study	study	NOUN
cjfa-34391	120	10	are	be	AUX
cjfa-34391	120	11	presented	present	VERB
cjfa-34391	120	12	based	base	VERB
cjfa-34391	120	13	on	on	ADP
cjfa-34391	120	14	a	a	DET
cjfa-34391	120	15	thoughtful	thoughtful	ADJ
cjfa-34391	120	16	discussion	discussion	NOUN
cjfa-34391	120	17	to	to	PART
cjfa-34391	120	18	highlight	highlight	VERB
cjfa-34391	120	19	the	the	DET
cjfa-34391	120	20	implications	implication	NOUN
cjfa-34391	120	21	of	of	ADP
cjfa-34391	120	22	the	the	DET
cjfa-34391	120	23	results	result	NOUN
cjfa-34391	120	24	for	for	ADP
cjfa-34391	120	25	policy	policy	NOUN
cjfa-34391	120	26	and	and	CCONJ
cjfa-34391	120	27	future	future	ADJ
cjfa-34391	120	28	research	research	NOUN
cjfa-34391	120	29	.	.	PUNCT
cjfa-34391	121	1	co	co	VERB
cjfa-34391	121	2	-	-	ADJ
cjfa-34391	121	3	evolutionary	evolutionary	ADJ
cjfa-34391	121	4	dynamics	dynamic	NOUN
cjfa-34391	121	5	of	of	ADP
cjfa-34391	121	6	financial	financial	ADJ
cjfa-34391	121	7	inclusion	inclusion	NOUN
cjfa-34391	121	8	of	of	ADP
cjfa-34391	121	9	generation	generation	NOUN
cjfa-34391	121	10	z	z	PROPN
cjfa-34391	121	11	…	…	PUNCT
cjfa-34391	121	12	37	37	NUM
cjfa-34391	121	13	research	research	NOUN
cjfa-34391	121	14	methodology	methodology	NOUN
cjfa-34391	121	15	and	and	CCONJ
cjfa-34391	121	16	research	research	NOUN
cjfa-34391	121	17	process	process	NOUN
cjfa-34391	121	18	this	this	DET
cjfa-34391	121	19	research	research	NOUN
cjfa-34391	121	20	is	be	AUX
cjfa-34391	121	21	founded	found	VERB
cjfa-34391	121	22	upon	upon	SCONJ
cjfa-34391	121	23	the	the	DET
cjfa-34391	121	24	interpretive	interpretive	ADJ
cjfa-34391	121	25	and	and	CCONJ
cjfa-34391	121	26	positivist	positivist	ADJ
cjfa-34391	121	27	epistemologies	epistemology	NOUN
cjfa-34391	121	28	with	with	ADP
cjfa-34391	121	29	the	the	DET
cjfa-34391	121	30	ontological	ontological	ADJ
cjfa-34391	121	31	assumptions	assumption	NOUN
cjfa-34391	121	32	that	that	SCONJ
cjfa-34391	121	33	there	there	PRON
cjfa-34391	121	34	is	be	VERB
cjfa-34391	121	35	subjective	subjective	ADJ
cjfa-34391	121	36	and	and	CCONJ
cjfa-34391	121	37	objective	objective	ADJ
cjfa-34391	121	38	reality	reality	NOUN
cjfa-34391	121	39	that	that	PRON
cjfa-34391	121	40	can	can	AUX
cjfa-34391	121	41	respectively	respectively	ADV
cjfa-34391	121	42	be	be	AUX
cjfa-34391	121	43	understood	understand	VERB
cjfa-34391	121	44	by	by	ADP
cjfa-34391	121	45	observation	observation	NOUN
cjfa-34391	121	46	and	and	CCONJ
cjfa-34391	121	47	empirical	empirical	ADJ
cjfa-34391	121	48	evidence	evidence	NOUN
cjfa-34391	121	49	(	(	PUNCT
cjfa-34391	121	50	see	see	VERB
cjfa-34391	121	51	figure	figure	NOUN
cjfa-34391	121	52	4	4	NUM
cjfa-34391	121	53	)	)	PUNCT
cjfa-34391	121	54	.	.	PUNCT
cjfa-34391	122	1	this	this	DET
cjfa-34391	122	2	philosophical	philosophical	ADJ
cjfa-34391	122	3	worldview	worldview	NOUN
cjfa-34391	122	4	points	point	NOUN
cjfa-34391	122	5	to	to	ADP
cjfa-34391	122	6	a	a	DET
cjfa-34391	122	7	mixed	mixed	ADJ
cjfa-34391	122	8	-	-	PUNCT
cjfa-34391	122	9	methods	method	NOUN
cjfa-34391	122	10	research	research	NOUN
cjfa-34391	122	11	design	design	NOUN
cjfa-34391	122	12	involving	involve	VERB
cjfa-34391	122	13	both	both	CCONJ
cjfa-34391	122	14	qualitative	qualitative	ADJ
cjfa-34391	122	15	and	and	CCONJ
cjfa-34391	122	16	quantitative	quantitative	ADJ
cjfa-34391	122	17	approaches	approach	NOUN
cjfa-34391	122	18	.	.	PUNCT
cjfa-34391	123	1	wisdom	wisdom	NOUN
cjfa-34391	123	2	and	and	CCONJ
cjfa-34391	123	3	creswell	creswell	PROPN
cjfa-34391	123	4	(	(	PUNCT
cjfa-34391	123	5	2013	2013	NUM
cjfa-34391	123	6	)	)	PUNCT
cjfa-34391	123	7	clarify	clarify	VERB
cjfa-34391	123	8	that	that	SCONJ
cjfa-34391	123	9	the	the	DET
cjfa-34391	123	10	term	term	NOUN
cjfa-34391	123	11	“	"	PUNCT
cjfa-34391	123	12	mixed	mixed	ADJ
cjfa-34391	123	13	methods	method	NOUN
cjfa-34391	123	14	”	"	PUNCT
cjfa-34391	123	15	refers	refer	VERB
cjfa-34391	123	16	to	to	ADP
cjfa-34391	123	17	an	an	DET
cjfa-34391	123	18	emergent	emergent	ADJ
cjfa-34391	123	19	methodology	methodology	NOUN
cjfa-34391	123	20	of	of	ADP
cjfa-34391	123	21	research	research	NOUN
cjfa-34391	123	22	that	that	PRON
cjfa-34391	123	23	advances	advance	VERB
cjfa-34391	123	24	the	the	DET
cjfa-34391	123	25	systematic	systematic	ADJ
cjfa-34391	123	26	integration	integration	NOUN
cjfa-34391	123	27	,	,	PUNCT
cjfa-34391	123	28	or	or	CCONJ
cjfa-34391	123	29	“	"	PUNCT
cjfa-34391	123	30	mixing	mix	VERB
cjfa-34391	123	31	,	,	PUNCT
cjfa-34391	123	32	”	"	PUNCT
cjfa-34391	123	33	of	of	ADP
cjfa-34391	123	34	quantitative	quantitative	ADJ
cjfa-34391	123	35	and	and	CCONJ
cjfa-34391	123	36	qualitative	qualitative	ADJ
cjfa-34391	123	37	data	datum	NOUN
cjfa-34391	123	38	within	within	ADP
cjfa-34391	123	39	a	a	DET
cjfa-34391	123	40	single	single	ADJ
cjfa-34391	123	41	investigation	investigation	NOUN
cjfa-34391	123	42	or	or	CCONJ
cjfa-34391	123	43	sustained	sustained	ADJ
cjfa-34391	123	44	program	program	NOUN
cjfa-34391	123	45	of	of	ADP
cjfa-34391	123	46	inquiry	inquiry	NOUN
cjfa-34391	123	47	.	.	PUNCT
cjfa-34391	124	1	the	the	DET
cjfa-34391	124	2	mixed	mix	VERB
cjfa-34391	124	3	-	-	PUNCT
cjfa-34391	124	4	methods	method	NOUN
cjfa-34391	124	5	approach	approach	NOUN
cjfa-34391	124	6	is	be	AUX
cjfa-34391	124	7	herein	herein	ADV
cjfa-34391	124	8	employed	employ	VERB
cjfa-34391	124	9	to	to	PART
cjfa-34391	124	10	test	test	VERB
cjfa-34391	124	11	the	the	DET
cjfa-34391	124	12	hypothesis	hypothesis	NOUN
cjfa-34391	124	13	of	of	ADP
cjfa-34391	124	14	interactive	interactive	ADJ
cjfa-34391	124	15	evolution	evolution	NOUN
cjfa-34391	124	16	in	in	ADP
cjfa-34391	124	17	a	a	DET
cjfa-34391	124	18	digital	digital	ADJ
cjfa-34391	124	19	financial	financial	ADJ
cjfa-34391	124	20	ecosystem	ecosystem	NOUN
cjfa-34391	124	21	.	.	PUNCT
cjfa-34391	125	1	galkin	galkin	PROPN
cjfa-34391	125	2	(	(	PUNCT
cjfa-34391	125	3	2011	2011	NUM
cjfa-34391	125	4	)	)	PUNCT
cjfa-34391	125	5	considers	consider	VERB
cjfa-34391	125	6	the	the	DET
cjfa-34391	125	7	hypothesis	hypothesis	NOUN
cjfa-34391	125	8	of	of	ADP
cjfa-34391	125	9	interactive	interactive	ADJ
cjfa-34391	125	10	evolution	evolution	NOUN
cjfa-34391	125	11	as	as	ADP
cjfa-34391	125	12	a	a	DET
cjfa-34391	125	13	cross	cross	ADJ
cjfa-34391	125	14	-	-	ADJ
cjfa-34391	125	15	road	road	ADJ
cjfa-34391	125	16	interdisciplinary	interdisciplinary	ADJ
cjfa-34391	125	17	conceptualization	conceptualization	NOUN
cjfa-34391	125	18	of	of	ADP
cjfa-34391	125	19	social	social	ADJ
cjfa-34391	125	20	dynamics	dynamic	NOUN
cjfa-34391	125	21	and	and	CCONJ
cjfa-34391	125	22	technological	technological	ADJ
cjfa-34391	125	23	growth	growth	NOUN
cjfa-34391	125	24	.	.	PUNCT
cjfa-34391	126	1	figure	figure	VERB
cjfa-34391	126	2	4	4	NUM
cjfa-34391	126	3	.	.	NOUN
cjfa-34391	126	4	intepretive	intepretive	ADJ
cjfa-34391	126	5	and	and	CCONJ
cjfa-34391	126	6	positivist	positivist	ADJ
cjfa-34391	126	7	research	research	NOUN
cjfa-34391	126	8	paradigms	paradigm	VERB
cjfa-34391	126	9	“	"	PUNCT
cjfa-34391	126	10	mixing	mix	VERB
cjfa-34391	126	11	,	,	PUNCT
cjfa-34391	126	12	”	"	PUNCT
cjfa-34391	126	13	of	of	ADP
cjfa-34391	126	14	quantitative	quantitative	ADJ
cjfa-34391	126	15	and	and	CCONJ
cjfa-34391	126	16	qualitative	qualitative	ADJ
cjfa-34391	126	17	data	datum	NOUN
cjfa-34391	126	18	within	within	ADP
cjfa-34391	126	19	a	a	DET
cjfa-34391	126	20	single	single	ADJ
cjfa-34391	126	21	investigation	investigation	NOUN
cjfa-34391	126	22	or	or	CCONJ
cjfa-34391	126	23	sustained	sustained	ADJ
cjfa-34391	126	24	program	program	NOUN
cjfa-34391	126	25	of	of	ADP
cjfa-34391	126	26	inquiry	inquiry	NOUN
cjfa-34391	126	27	.	.	PUNCT
cjfa-34391	127	1	the	the	DET
cjfa-34391	127	2	mixed	mix	VERB
cjfa-34391	127	3	-	-	PUNCT
cjfa-34391	127	4	methods	method	NOUN
cjfa-34391	127	5	approach	approach	NOUN
cjfa-34391	127	6	is	be	AUX
cjfa-34391	127	7	herein	herein	ADV
cjfa-34391	127	8	employed	employ	VERB
cjfa-34391	127	9	to	to	PART
cjfa-34391	127	10	test	test	VERB
cjfa-34391	127	11	the	the	DET
cjfa-34391	127	12	hypothesis	hypothesis	NOUN
cjfa-34391	127	13	of	of	ADP
cjfa-34391	127	14	interactive	interactive	ADJ
cjfa-34391	127	15	evolution	evolution	NOUN
cjfa-34391	127	16	in	in	ADP
cjfa-34391	127	17	a	a	DET
cjfa-34391	127	18	digital	digital	ADJ
cjfa-34391	127	19	financial	financial	ADJ
cjfa-34391	127	20	ecosystem	ecosystem	NOUN
cjfa-34391	127	21	.	.	PUNCT
cjfa-34391	128	1	galkin	galkin	PROPN
cjfa-34391	128	2	(	(	PUNCT
cjfa-34391	128	3	2011	2011	NUM
cjfa-34391	128	4	)	)	PUNCT
cjfa-34391	128	5	considers	consider	VERB
cjfa-34391	128	6	the	the	DET
cjfa-34391	128	7	hypothesis	hypothesis	NOUN
cjfa-34391	128	8	of	of	ADP
cjfa-34391	128	9	interactive	interactive	ADJ
cjfa-34391	128	10	evolution	evolution	NOUN
cjfa-34391	128	11	as	as	ADP
cjfa-34391	128	12	a	a	DET
cjfa-34391	128	13	cross	cross	ADJ
cjfa-34391	128	14	-	-	ADJ
cjfa-34391	128	15	road	road	ADJ
cjfa-34391	128	16	interdisciplinary	interdisciplinary	ADJ
cjfa-34391	128	17	conceptualization	conceptualization	NOUN
cjfa-34391	128	18	of	of	ADP
cjfa-34391	128	19	social	social	ADJ
cjfa-34391	128	20	dynamics	dynamic	NOUN
cjfa-34391	128	21	and	and	CCONJ
cjfa-34391	128	22	technological	technological	ADJ
cjfa-34391	128	23	growth	growth	NOUN
cjfa-34391	128	24	.	.	PUNCT
cjfa-34391	129	1	figure	figure	VERB
cjfa-34391	129	2	4	4	NUM
cjfa-34391	129	3	.	.	NOUN
cjfa-34391	129	4	intepretive	intepretive	ADJ
cjfa-34391	129	5	and	and	CCONJ
cjfa-34391	129	6	positivist	positivist	ADJ
cjfa-34391	129	7	research	research	PROPN
cjfa-34391	129	8	paradigms	paradigm	NOUN
cjfa-34391	129	9	source	source	NOUN
cjfa-34391	129	10	:	:	PUNCT
cjfa-34391	129	11	farshchian	farshchian	PROPN
cjfa-34391	129	12	,	,	PUNCT
cjfa-34391	129	13	2020	2020	NUM
cjfa-34391	129	14	.	.	PUNCT
cjfa-34391	130	1	a	a	DET
cjfa-34391	130	2	case	case	NOUN
cjfa-34391	130	3	study	study	NOUN
cjfa-34391	130	4	of	of	ADP
cjfa-34391	130	5	a	a	DET
cjfa-34391	130	6	digital	digital	ADJ
cjfa-34391	130	7	financial	financial	ADJ
cjfa-34391	130	8	ecosystem	ecosystem	NOUN
cjfa-34391	130	9	is	be	AUX
cjfa-34391	130	10	then	then	ADV
cjfa-34391	130	11	undertaken	undertake	VERB
cjfa-34391	130	12	with	with	ADP
cjfa-34391	130	13	a	a	DET
cjfa-34391	130	14	view	view	NOUN
cjfa-34391	130	15	to	to	ADP
cjfa-34391	130	16	revealing	reveal	VERB
cjfa-34391	130	17	the	the	DET
cjfa-34391	130	18	co	co	ADJ
cjfa-34391	130	19	-	-	ADJ
cjfa-34391	130	20	evolutionary	evolutionary	ADJ
cjfa-34391	130	21	dynamics	dynamic	NOUN
cjfa-34391	130	22	of	of	ADP
cjfa-34391	130	23	financial	financial	ADJ
cjfa-34391	130	24	inclusion	inclusion	NOUN
cjfa-34391	130	25	of	of	ADP
cjfa-34391	130	26	generation	generation	NOUN
cjfa-34391	130	27	z.	z.	PROPN
cjfa-34391	131	1	the	the	DET
cjfa-34391	131	2	case	case	NOUN
cjfa-34391	131	3	study	study	NOUN
cjfa-34391	131	4	approach	approach	NOUN
cjfa-34391	131	5	is	be	AUX
cjfa-34391	131	6	premised	premise	VERB
cjfa-34391	131	7	on	on	ADP
cjfa-34391	131	8	its	its	PRON
cjfa-34391	131	9	efficacy	efficacy	NOUN
cjfa-34391	131	10	in	in	ADP
cjfa-34391	131	11	examining	examine	VERB
cjfa-34391	131	12	contemporary	contemporary	ADJ
cjfa-34391	131	13	real	real	ADJ
cjfa-34391	131	14	-	-	PUNCT
cjfa-34391	131	15	life	life	NOUN
cjfa-34391	131	16	situations	situation	NOUN
cjfa-34391	131	17	thereby	thereby	ADV
cjfa-34391	131	18	providing	provide	VERB
cjfa-34391	131	19	a	a	DET
cjfa-34391	131	20	basis	basis	NOUN
cjfa-34391	131	21	for	for	ADP
cjfa-34391	131	22	the	the	DET
cjfa-34391	131	23	application	application	NOUN
cjfa-34391	131	24	of	of	ADP
cjfa-34391	131	25	concepts	concept	NOUN
cjfa-34391	131	26	and	and	CCONJ
cjfa-34391	131	27	theories	theory	NOUN
cjfa-34391	131	28	and	and	CCONJ
cjfa-34391	131	29	extension	extension	NOUN
cjfa-34391	131	30	of	of	ADP
cjfa-34391	131	31	methods	method	NOUN
cjfa-34391	131	32	.	.	PUNCT
cjfa-34391	132	1	this	this	DET
cjfa-34391	132	2	approach	approach	NOUN
cjfa-34391	132	3	has	have	AUX
cjfa-34391	132	4	been	be	AUX
cjfa-34391	132	5	seen	see	VERB
cjfa-34391	132	6	to	to	PART
cjfa-34391	132	7	excel	excel	VERB
cjfa-34391	132	8	in	in	ADP
cjfa-34391	132	9	bringing	bring	VERB
cjfa-34391	132	10	researchers	researcher	NOUN
cjfa-34391	132	11	to	to	ADP
cjfa-34391	132	12	the	the	DET
cjfa-34391	132	13	understanding	understanding	NOUN
cjfa-34391	132	14	of	of	ADP
cjfa-34391	132	15	complex	complex	ADJ
cjfa-34391	132	16	issues	issue	NOUN
cjfa-34391	132	17	through	through	ADP
cjfa-34391	132	18	detailed	detailed	ADJ
cjfa-34391	132	19	contextual	contextual	ADJ
cjfa-34391	132	20	analysis	analysis	NOUN
cjfa-34391	132	21	of	of	ADP
cjfa-34391	132	22	natural	natural	ADJ
cjfa-34391	132	23	and	and	CCONJ
cjfa-34391	132	24	social	social	ADJ
cjfa-34391	132	25	phenomena	phenomenon	NOUN
cjfa-34391	132	26	.	.	PUNCT
cjfa-34391	133	1	in	in	ADP
cjfa-34391	133	2	this	this	DET
cjfa-34391	133	3	regard	regard	NOUN
cjfa-34391	133	4	,	,	PUNCT
cjfa-34391	133	5	the	the	DET
cjfa-34391	133	6	case	case	NOUN
cjfa-34391	133	7	study	study	NOUN
cjfa-34391	133	8	design	design	NOUN
cjfa-34391	133	9	is	be	AUX
cjfa-34391	133	10	most	most	ADV
cjfa-34391	133	11	suited	suited	ADJ
cjfa-34391	133	12	to	to	ADP
cjfa-34391	133	13	the	the	DET
cjfa-34391	133	14	research	research	NOUN
cjfa-34391	133	15	phenomenon	phenomenon	NOUN
cjfa-34391	133	16	of	of	ADP
cjfa-34391	133	17	financial	financial	ADJ
cjfa-34391	133	18	inclusion	inclusion	NOUN
cjfa-34391	133	19	,	,	PUNCT
cjfa-34391	133	20	and	and	CCONJ
cjfa-34391	133	21	how	how	SCONJ
cjfa-34391	133	22	it	it	PRON
cjfa-34391	133	23	evolves	evolve	VERB
cjfa-34391	133	24	in	in	ADP
cjfa-34391	133	25	the	the	DET
cjfa-34391	133	26	complex	complex	ADJ
cjfa-34391	133	27	adaptive	adaptive	ADJ
cjfa-34391	133	28	system	system	NOUN
cjfa-34391	133	29	of	of	ADP
cjfa-34391	133	30	a	a	DET
cjfa-34391	133	31	financial	financial	ADJ
cjfa-34391	133	32	ecosystem	ecosystem	NOUN
cjfa-34391	133	33	.	.	PUNCT
cjfa-34391	134	1	data	datum	NOUN
cjfa-34391	134	2	collection	collection	NOUN
cjfa-34391	134	3	and	and	CCONJ
cjfa-34391	134	4	analysis	analysis	NOUN
cjfa-34391	134	5	for	for	ADP
cjfa-34391	134	6	this	this	DET
cjfa-34391	134	7	case	case	NOUN
cjfa-34391	134	8	study	study	NOUN
cjfa-34391	134	9	,	,	PUNCT
cjfa-34391	134	10	a	a	DET
cjfa-34391	134	11	schema	schema	NOUN
cjfa-34391	134	12	(	(	PUNCT
cjfa-34391	134	13	see	see	VERB
cjfa-34391	134	14	table	table	NOUN
cjfa-34391	134	15	1	1	NUM
cjfa-34391	134	16	)	)	PUNCT
cjfa-34391	134	17	was	be	AUX
cjfa-34391	134	18	developed	develop	VERB
cjfa-34391	134	19	for	for	ADP
cjfa-34391	134	20	exploring	explore	VERB
cjfa-34391	134	21	the	the	DET
cjfa-34391	134	22	dynamic	dynamic	ADJ
cjfa-34391	134	23	complexity	complexity	NOUN
cjfa-34391	134	24	and	and	CCONJ
cjfa-34391	134	25	the	the	DET
cjfa-34391	134	26	co	co	ADJ
cjfa-34391	134	27	-	-	ADJ
cjfa-34391	134	28	evolutionary	evolutionary	ADJ
cjfa-34391	134	29	dynamics	dynamic	NOUN
cjfa-34391	134	30	of	of	ADP
cjfa-34391	134	31	financial	financial	ADJ
cjfa-34391	134	32	inclusion	inclusion	NOUN
cjfa-34391	134	33	within	within	ADP
cjfa-34391	134	34	the	the	DET
cjfa-34391	134	35	digital	digital	ADJ
cjfa-34391	134	36	financial	financial	ADJ
cjfa-34391	134	37	ecosystem	ecosystem	NOUN
cjfa-34391	134	38	of	of	ADP
cjfa-34391	134	39	the	the	DET
cjfa-34391	134	40	zambia	zambia	PROPN
cjfa-34391	134	41	national	national	PROPN
cjfa-34391	134	42	commercial	commercial	PROPN
cjfa-34391	134	43	bank	bank	PROPN
cjfa-34391	134	44	(	(	PUNCT
cjfa-34391	134	45	zanaco	zanaco	PROPN
cjfa-34391	134	46	)	)	PUNCT
cjfa-34391	134	47	in	in	ADP
cjfa-34391	134	48	sub	sub	ADJ
cjfa-34391	134	49	-	-	ADJ
cjfa-34391	134	50	saharan	saharan	ADJ
cjfa-34391	134	51	africa	africa	PROPN
cjfa-34391	134	52	.	.	PUNCT
cjfa-34391	135	1	the	the	DET
cjfa-34391	135	2	s	s	X
cjfa-34391	135	3	o	o	NOUN
cjfa-34391	135	4	u	u	NOUN
cjfa-34391	135	5	r	r	NOUN
cjfa-34391	135	6	c	c	NOUN
cjfa-34391	135	7	e	e	NOUN
cjfa-34391	135	8	:	:	PUNCT
cjfa-34391	135	9	farshchian	farshchian	ADJ
cjfa-34391	135	10	,	,	PUNCT
cjfa-34391	135	11	2020	2020	NUM
cjfa-34391	135	12	.	.	PUNCT
cjfa-34391	136	1	a	a	DET
cjfa-34391	136	2	case	case	NOUN
cjfa-34391	136	3	study	study	NOUN
cjfa-34391	136	4	of	of	ADP
cjfa-34391	136	5	a	a	DET
cjfa-34391	136	6	digital	digital	ADJ
cjfa-34391	136	7	financial	financial	ADJ
cjfa-34391	136	8	ecosystem	ecosystem	NOUN
cjfa-34391	136	9	is	be	AUX
cjfa-34391	136	10	then	then	ADV
cjfa-34391	136	11	undertaken	undertake	VERB
cjfa-34391	136	12	with	with	ADP
cjfa-34391	136	13	a	a	DET
cjfa-34391	136	14	view	view	NOUN
cjfa-34391	136	15	to	to	ADP
cjfa-34391	136	16	revealing	reveal	VERB
cjfa-34391	136	17	the	the	DET
cjfa-34391	136	18	co	co	ADJ
cjfa-34391	136	19	-	-	ADJ
cjfa-34391	136	20	evolutionary	evolutionary	ADJ
cjfa-34391	136	21	dynamics	dynamic	NOUN
cjfa-34391	136	22	of	of	ADP
cjfa-34391	136	23	financial	financial	ADJ
cjfa-34391	136	24	inclusion	inclusion	NOUN
cjfa-34391	136	25	of	of	ADP
cjfa-34391	136	26	generation	generation	NOUN
cjfa-34391	136	27	z.	z.	PROPN
cjfa-34391	137	1	the	the	DET
cjfa-34391	137	2	case	case	NOUN
cjfa-34391	137	3	study	study	NOUN
cjfa-34391	137	4	approach	approach	NOUN
cjfa-34391	137	5	is	be	AUX
cjfa-34391	137	6	premised	premise	VERB
cjfa-34391	137	7	on	on	ADP
cjfa-34391	137	8	its	its	PRON
cjfa-34391	137	9	efficacy	efficacy	NOUN
cjfa-34391	137	10	in	in	ADP
cjfa-34391	137	11	examining	examine	VERB
cjfa-34391	137	12	contempodiana	contempodiana	PROPN
cjfa-34391	137	13	kangwa	kangwa	PROPN
cjfa-34391	137	14	,	,	PUNCT
cjfa-34391	137	15	joseph	joseph	PROPN
cjfa-34391	137	16	thokozani	thokozani	PROPN
cjfa-34391	137	17	mwale	mwale	PROPN
cjfa-34391	137	18	,	,	PUNCT
cjfa-34391	137	19	junaid	junaid	VERB
cjfa-34391	137	20	m.	m.	PROPN
cjfa-34391	137	21	shaikh38	shaikh38	PROPN
cjfa-34391	137	22	rary	rary	ADJ
cjfa-34391	137	23	real	real	ADJ
cjfa-34391	137	24	-	-	PUNCT
cjfa-34391	137	25	life	life	NOUN
cjfa-34391	137	26	situations	situation	NOUN
cjfa-34391	137	27	thereby	thereby	ADV
cjfa-34391	137	28	providing	provide	VERB
cjfa-34391	137	29	a	a	DET
cjfa-34391	137	30	basis	basis	NOUN
cjfa-34391	137	31	for	for	ADP
cjfa-34391	137	32	the	the	DET
cjfa-34391	137	33	application	application	NOUN
cjfa-34391	137	34	of	of	ADP
cjfa-34391	137	35	concepts	concept	NOUN
cjfa-34391	137	36	and	and	CCONJ
cjfa-34391	137	37	theories	theory	NOUN
cjfa-34391	137	38	and	and	CCONJ
cjfa-34391	137	39	extension	extension	NOUN
cjfa-34391	137	40	of	of	ADP
cjfa-34391	137	41	methods	method	NOUN
cjfa-34391	137	42	.	.	PUNCT
cjfa-34391	138	1	this	this	DET
cjfa-34391	138	2	approach	approach	NOUN
cjfa-34391	138	3	has	have	AUX
cjfa-34391	138	4	been	be	AUX
cjfa-34391	138	5	seen	see	VERB
cjfa-34391	138	6	to	to	PART
cjfa-34391	138	7	excel	excel	VERB
cjfa-34391	138	8	in	in	ADP
cjfa-34391	138	9	bringing	bring	VERB
cjfa-34391	138	10	researchers	researcher	NOUN
cjfa-34391	138	11	to	to	ADP
cjfa-34391	138	12	the	the	DET
cjfa-34391	138	13	understanding	understanding	NOUN
cjfa-34391	138	14	of	of	ADP
cjfa-34391	138	15	complex	complex	ADJ
cjfa-34391	138	16	issues	issue	NOUN
cjfa-34391	138	17	through	through	ADP
cjfa-34391	138	18	detailed	detailed	ADJ
cjfa-34391	138	19	contextual	contextual	ADJ
cjfa-34391	138	20	analysis	analysis	NOUN
cjfa-34391	138	21	of	of	ADP
cjfa-34391	138	22	natural	natural	ADJ
cjfa-34391	138	23	and	and	CCONJ
cjfa-34391	138	24	social	social	ADJ
cjfa-34391	138	25	phenomena	phenomenon	NOUN
cjfa-34391	138	26	.	.	PUNCT
cjfa-34391	139	1	in	in	ADP
cjfa-34391	139	2	this	this	DET
cjfa-34391	139	3	regard	regard	NOUN
cjfa-34391	139	4	,	,	PUNCT
cjfa-34391	139	5	the	the	DET
cjfa-34391	139	6	case	case	NOUN
cjfa-34391	139	7	study	study	NOUN
cjfa-34391	139	8	design	design	NOUN
cjfa-34391	139	9	is	be	AUX
cjfa-34391	139	10	most	most	ADV
cjfa-34391	139	11	suited	suited	ADJ
cjfa-34391	139	12	to	to	ADP
cjfa-34391	139	13	the	the	DET
cjfa-34391	139	14	research	research	NOUN
cjfa-34391	139	15	phenomenon	phenomenon	NOUN
cjfa-34391	139	16	of	of	ADP
cjfa-34391	139	17	financial	financial	ADJ
cjfa-34391	139	18	inclusion	inclusion	NOUN
cjfa-34391	139	19	,	,	PUNCT
cjfa-34391	139	20	and	and	CCONJ
cjfa-34391	139	21	how	how	SCONJ
cjfa-34391	139	22	it	it	PRON
cjfa-34391	139	23	evolves	evolve	VERB
cjfa-34391	139	24	in	in	ADP
cjfa-34391	139	25	the	the	DET
cjfa-34391	139	26	complex	complex	ADJ
cjfa-34391	139	27	adaptive	adaptive	ADJ
cjfa-34391	139	28	system	system	NOUN
cjfa-34391	139	29	of	of	ADP
cjfa-34391	139	30	a	a	DET
cjfa-34391	139	31	financial	financial	ADJ
cjfa-34391	139	32	ecosystem	ecosystem	NOUN
cjfa-34391	139	33	.	.	PUNCT
cjfa-34391	140	1	data	datum	NOUN
cjfa-34391	140	2	collection	collection	NOUN
cjfa-34391	140	3	and	and	CCONJ
cjfa-34391	140	4	analysis	analysis	NOUN
cjfa-34391	140	5	for	for	ADP
cjfa-34391	140	6	this	this	DET
cjfa-34391	140	7	case	case	NOUN
cjfa-34391	140	8	study	study	NOUN
cjfa-34391	140	9	,	,	PUNCT
cjfa-34391	140	10	a	a	DET
cjfa-34391	140	11	schema	schema	NOUN
cjfa-34391	140	12	(	(	PUNCT
cjfa-34391	140	13	see	see	VERB
cjfa-34391	140	14	table	table	NOUN
cjfa-34391	140	15	1	1	NUM
cjfa-34391	140	16	)	)	PUNCT
cjfa-34391	140	17	was	be	AUX
cjfa-34391	140	18	developed	develop	VERB
cjfa-34391	140	19	for	for	ADP
cjfa-34391	140	20	exploring	explore	VERB
cjfa-34391	140	21	the	the	DET
cjfa-34391	140	22	dynamic	dynamic	ADJ
cjfa-34391	140	23	complexity	complexity	NOUN
cjfa-34391	140	24	and	and	CCONJ
cjfa-34391	140	25	the	the	DET
cjfa-34391	140	26	co	co	ADJ
cjfa-34391	140	27	-	-	ADJ
cjfa-34391	140	28	evolutionary	evolutionary	ADJ
cjfa-34391	140	29	dynamics	dynamic	NOUN
cjfa-34391	140	30	of	of	ADP
cjfa-34391	140	31	financial	financial	ADJ
cjfa-34391	140	32	inclusion	inclusion	NOUN
cjfa-34391	140	33	within	within	ADP
cjfa-34391	140	34	the	the	DET
cjfa-34391	140	35	digital	digital	ADJ
cjfa-34391	140	36	financial	financial	ADJ
cjfa-34391	140	37	ecosystem	ecosystem	NOUN
cjfa-34391	140	38	of	of	ADP
cjfa-34391	140	39	the	the	DET
cjfa-34391	140	40	zambia	zambia	PROPN
cjfa-34391	140	41	national	national	PROPN
cjfa-34391	140	42	commercial	commercial	PROPN
cjfa-34391	140	43	bank	bank	PROPN
cjfa-34391	140	44	(	(	PUNCT
cjfa-34391	140	45	zanaco	zanaco	PROPN
cjfa-34391	140	46	)	)	PUNCT
cjfa-34391	140	47	in	in	ADP
cjfa-34391	140	48	sub	sub	ADJ
cjfa-34391	140	49	-	-	ADJ
cjfa-34391	140	50	saharan	saharan	ADJ
cjfa-34391	140	51	africa	africa	PROPN
cjfa-34391	140	52	.	.	PUNCT
cjfa-34391	141	1	the	the	DET
cjfa-34391	141	2	schema	schema	NOUN
cjfa-34391	141	3	incorporated	incorporate	VERB
cjfa-34391	141	4	the	the	DET
cjfa-34391	141	5	building	building	NOUN
cjfa-34391	141	6	blocks	block	NOUN
cjfa-34391	141	7	of	of	ADP
cjfa-34391	141	8	complex	complex	ADJ
cjfa-34391	141	9	systems	system	NOUN
cjfa-34391	141	10	and	and	CCONJ
cjfa-34391	141	11	financial	financial	ADJ
cjfa-34391	141	12	inclusion	inclusion	NOUN
cjfa-34391	141	13	.	.	PUNCT
cjfa-34391	142	1	to	to	PART
cjfa-34391	142	2	model	model	VERB
cjfa-34391	142	3	the	the	DET
cjfa-34391	142	4	dynamic	dynamic	ADJ
cjfa-34391	142	5	complexity	complexity	NOUN
cjfa-34391	142	6	of	of	ADP
cjfa-34391	142	7	a	a	DET
cjfa-34391	142	8	digital	digital	ADJ
cjfa-34391	142	9	financial	financial	ADJ
cjfa-34391	142	10	ecosystem	ecosystem	NOUN
cjfa-34391	142	11	,	,	PUNCT
cjfa-34391	142	12	a	a	DET
cjfa-34391	142	13	structured	structured	ADJ
cjfa-34391	142	14	observation	observation	NOUN
cjfa-34391	142	15	of	of	ADP
cjfa-34391	142	16	the	the	DET
cjfa-34391	142	17	complex	complex	ADJ
cjfa-34391	142	18	behaviour	behaviour	NOUN
cjfa-34391	142	19	of	of	ADP
cjfa-34391	142	20	the	the	DET
cjfa-34391	142	21	agents	agent	NOUN
cjfa-34391	142	22	was	be	AUX
cjfa-34391	142	23	undertaken	undertake	VERB
cjfa-34391	142	24	to	to	PART
cjfa-34391	142	25	reveal	reveal	VERB
cjfa-34391	142	26	the	the	DET
cjfa-34391	142	27	interconnectedness	interconnectedness	NOUN
cjfa-34391	142	28	,	,	PUNCT
cjfa-34391	142	29	feedback	feedback	NOUN
cjfa-34391	142	30	and	and	CCONJ
cjfa-34391	142	31	emergent	emergent	ADJ
cjfa-34391	142	32	properties	property	NOUN
cjfa-34391	142	33	using	use	VERB
cjfa-34391	142	34	thematic	thematic	ADJ
cjfa-34391	142	35	analysis	analysis	NOUN
cjfa-34391	142	36	with	with	ADP
cjfa-34391	142	37	deductive	deductive	ADJ
cjfa-34391	142	38	logic	logic	NOUN
cjfa-34391	142	39	.	.	PUNCT
cjfa-34391	143	1	thematic	thematic	ADJ
cjfa-34391	143	2	analysis	analysis	NOUN
cjfa-34391	143	3	is	be	AUX
cjfa-34391	143	4	a	a	DET
cjfa-34391	143	5	method	method	NOUN
cjfa-34391	143	6	for	for	ADP
cjfa-34391	143	7	identifying	identify	VERB
cjfa-34391	143	8	,	,	PUNCT
cjfa-34391	143	9	analysing	analysing	NOUN
cjfa-34391	143	10	,	,	PUNCT
cjfa-34391	143	11	and	and	CCONJ
cjfa-34391	143	12	reporting	report	VERB
cjfa-34391	143	13	patterns	pattern	NOUN
cjfa-34391	143	14	(	(	PUNCT
cjfa-34391	143	15	themes	theme	NOUN
cjfa-34391	143	16	)	)	PUNCT
cjfa-34391	143	17	within	within	ADP
cjfa-34391	143	18	a	a	DET
cjfa-34391	143	19	dataset	dataset	NOUN
cjfa-34391	143	20	(	(	PUNCT
cjfa-34391	143	21	clarke	clarke	PROPN
cjfa-34391	143	22	&	&	CCONJ
cjfa-34391	143	23	braun	braun	PROPN
cjfa-34391	143	24	,	,	PUNCT
cjfa-34391	143	25	2017	2017	NUM
cjfa-34391	143	26	)	)	PUNCT
cjfa-34391	143	27	.	.	PUNCT
cjfa-34391	144	1	structured	structured	ADJ
cjfa-34391	144	2	interviews	interview	NOUN
cjfa-34391	144	3	on	on	ADP
cjfa-34391	144	4	both	both	CCONJ
cjfa-34391	144	5	the	the	DET
cjfa-34391	144	6	demand	demand	NOUN
cjfa-34391	144	7	-	-	PUNCT
cjfa-34391	144	8	side	side	NOUN
cjfa-34391	144	9	and	and	CCONJ
cjfa-34391	144	10	supply	supply	NOUN
cjfa-34391	144	11	-	-	PUNCT
cjfa-34391	144	12	side	side	NOUN
cjfa-34391	144	13	of	of	ADP
cjfa-34391	144	14	financial	financial	ADJ
cjfa-34391	144	15	inclusion	inclusion	NOUN
cjfa-34391	144	16	were	be	AUX
cjfa-34391	144	17	then	then	ADV
cjfa-34391	144	18	conducted	conduct	VERB
cjfa-34391	144	19	to	to	PART
cjfa-34391	144	20	reveal	reveal	VERB
cjfa-34391	144	21	the	the	DET
cjfa-34391	144	22	co	co	ADJ
cjfa-34391	144	23	-	-	ADJ
cjfa-34391	144	24	evolutionary	evolutionary	ADJ
cjfa-34391	144	25	dynamics	dynamic	NOUN
cjfa-34391	144	26	of	of	ADP
cjfa-34391	144	27	financial	financial	ADJ
cjfa-34391	144	28	inclusion	inclusion	NOUN
cjfa-34391	144	29	using	use	VERB
cjfa-34391	144	30	a	a	DET
cjfa-34391	144	31	causal	causal	NOUN
cjfa-34391	144	32	loop	loop	NOUN
cjfa-34391	144	33	diagram	diagram	NOUN
cjfa-34391	144	34	created	create	VERB
cjfa-34391	144	35	on	on	ADP
cjfa-34391	144	36	the	the	DET
cjfa-34391	144	37	vensim	vensim	NOUN
cjfa-34391	144	38	ple	ple	PROPN
cjfa-34391	144	39	software	software	NOUN
cjfa-34391	144	40	platform	platform	NOUN
cjfa-34391	144	41	,	,	PUNCT
cjfa-34391	144	42	version	version	NOUN
cjfa-34391	144	43	8.1.0	8.1.0	NUM
cjfa-34391	144	44	.	.	PUNCT
cjfa-34391	145	1	vensim	vensim	NOUN
cjfa-34391	145	2	is	be	AUX
cjfa-34391	145	3	a	a	DET
cjfa-34391	145	4	system	system	NOUN
cjfa-34391	145	5	dynamics	dynamic	NOUN
cjfa-34391	145	6	modelling	model	VERB
cjfa-34391	145	7	software	software	NOUN
cjfa-34391	145	8	developed	develop	VERB
cjfa-34391	145	9	by	by	ADP
cjfa-34391	145	10	ventana	ventana	PROPN
cjfa-34391	145	11	systems	systems	PROPN
cjfa-34391	145	12	inc	inc	PROPN
cjfa-34391	145	13	.	.	PUNCT
cjfa-34391	146	1	it	it	PRON
cjfa-34391	146	2	primarily	primarily	ADV
cjfa-34391	146	3	supports	support	VERB
cjfa-34391	146	4	continuous	continuous	ADJ
cjfa-34391	146	5	simulation	simulation	NOUN
cjfa-34391	146	6	,	,	PUNCT
cjfa-34391	146	7	with	with	ADP
cjfa-34391	146	8	some	some	DET
cjfa-34391	146	9	discrete	discrete	ADJ
cjfa-34391	146	10	event	event	NOUN
cjfa-34391	146	11	and	and	CCONJ
cjfa-34391	146	12	agent	agent	NOUN
cjfa-34391	146	13	-	-	PUNCT
cjfa-34391	146	14	based	base	VERB
cjfa-34391	146	15	modelling	modelling	NOUN
cjfa-34391	146	16	capabilities	capability	NOUN
cjfa-34391	146	17	.	.	PUNCT
cjfa-34391	147	1	primary	primary	ADJ
cjfa-34391	147	2	data	datum	NOUN
cjfa-34391	147	3	was	be	AUX
cjfa-34391	147	4	collected	collect	VERB
cjfa-34391	147	5	using	use	VERB
cjfa-34391	147	6	the	the	DET
cjfa-34391	147	7	structured	structured	ADJ
cjfa-34391	147	8	questionnaire	questionnaire	NOUN
cjfa-34391	147	9	that	that	PRON
cjfa-34391	147	10	was	be	AUX
cjfa-34391	147	11	administered	administer	VERB
cjfa-34391	147	12	to	to	ADP
cjfa-34391	147	13	the	the	DET
cjfa-34391	147	14	banking	banking	NOUN
cjfa-34391	147	15	personnel	personnel	NOUN
cjfa-34391	147	16	in	in	ADP
cjfa-34391	147	17	decision	decision	NOUN
cjfa-34391	147	18	-	-	PUNCT
cjfa-34391	147	19	making	make	VERB
cjfa-34391	147	20	positions	position	NOUN
cjfa-34391	147	21	(	(	PUNCT
cjfa-34391	147	22	n=36	n=36	PROPN
cjfa-34391	147	23	)	)	PUNCT
cjfa-34391	147	24	,	,	PUNCT
cjfa-34391	147	25	and	and	CCONJ
cjfa-34391	147	26	generation	generation	NOUN
cjfa-34391	147	27	z	z	NOUN
cjfa-34391	147	28	(	(	PUNCT
cjfa-34391	147	29	n	n	NOUN
cjfa-34391	147	30	=	=	SYM
cjfa-34391	147	31	360	360	NUM
cjfa-34391	147	32	)	)	PUNCT
cjfa-34391	147	33	involved	involve	VERB
cjfa-34391	147	34	in	in	ADP
cjfa-34391	147	35	agency	agency	NOUN
cjfa-34391	147	36	banking	banking	NOUN
cjfa-34391	147	37	with	with	ADP
cjfa-34391	147	38	zanaco	zanaco	PROPN
cjfa-34391	147	39	,	,	PUNCT
cjfa-34391	147	40	which	which	PRON
cjfa-34391	147	41	had	have	VERB
cjfa-34391	147	42	more	more	ADJ
cjfa-34391	147	43	than	than	ADP
cjfa-34391	147	44	1,200	1,200	NUM
cjfa-34391	147	45	agents	agent	NOUN
cjfa-34391	147	46	on	on	ADP
cjfa-34391	147	47	its	its	PRON
cjfa-34391	147	48	zanaco	zanaco	ADV
cjfa-34391	147	49	-	-	PUNCT
cjfa-34391	147	50	branded	brand	VERB
cjfa-34391	147	51	xpress	xpress	PROPN
cjfa-34391	147	52	mobile	mobile	PROPN
cjfa-34391	147	53	service	service	NOUN
cjfa-34391	147	54	across	across	ADP
cjfa-34391	147	55	the	the	DET
cjfa-34391	147	56	country	country	NOUN
cjfa-34391	147	57	.	.	PUNCT
cjfa-34391	148	1	the	the	DET
cjfa-34391	148	2	selection	selection	NOUN
cjfa-34391	148	3	of	of	ADP
cjfa-34391	148	4	respondents	respondent	NOUN
cjfa-34391	148	5	for	for	ADP
cjfa-34391	148	6	the	the	DET
cjfa-34391	148	7	interviews	interview	NOUN
cjfa-34391	148	8	was	be	AUX
cjfa-34391	148	9	based	base	VERB
cjfa-34391	148	10	on	on	ADP
cjfa-34391	148	11	the	the	DET
cjfa-34391	148	12	purposive	purposive	ADJ
cjfa-34391	148	13	sampling	sample	VERB
cjfa-34391	148	14	design	design	NOUN
cjfa-34391	148	15	.	.	PUNCT
cjfa-34391	149	1	purposive	purposive	ADJ
cjfa-34391	149	2	sampling	sampling	NOUN
cjfa-34391	149	3	is	be	AUX
cjfa-34391	149	4	a	a	DET
cjfa-34391	149	5	form	form	NOUN
cjfa-34391	149	6	of	of	ADP
cjfa-34391	149	7	non	non	ADJ
cjfa-34391	149	8	-	-	NOUN
cjfa-34391	149	9	probability	probability	ADJ
cjfa-34391	149	10	sampling	sampling	NOUN
cjfa-34391	149	11	in	in	ADP
cjfa-34391	149	12	which	which	PRON
cjfa-34391	149	13	researchers	researcher	NOUN
cjfa-34391	149	14	rely	rely	VERB
cjfa-34391	149	15	on	on	ADP
cjfa-34391	149	16	their	their	PRON
cjfa-34391	149	17	judgment	judgment	NOUN
cjfa-34391	149	18	when	when	SCONJ
cjfa-34391	149	19	choosing	choose	VERB
cjfa-34391	149	20	members	member	NOUN
cjfa-34391	149	21	of	of	ADP
cjfa-34391	149	22	the	the	DET
cjfa-34391	149	23	population	population	NOUN
cjfa-34391	149	24	to	to	PART
cjfa-34391	149	25	participate	participate	VERB
cjfa-34391	149	26	in	in	ADP
cjfa-34391	149	27	their	their	PRON
cjfa-34391	149	28	study	study	NOUN
cjfa-34391	149	29	(	(	PUNCT
cjfa-34391	149	30	black	black	ADJ
cjfa-34391	149	31	,	,	PUNCT
cjfa-34391	149	32	2010	2010	NUM
cjfa-34391	149	33	)	)	PUNCT
cjfa-34391	149	34	.	.	PUNCT
cjfa-34391	150	1	notwithstanding	notwithstanding	ADP
cjfa-34391	150	2	its	its	PRON
cjfa-34391	150	3	susceptibility	susceptibility	NOUN
cjfa-34391	150	4	to	to	PART
cjfa-34391	150	5	bias	bias	VERB
cjfa-34391	150	6	,	,	PUNCT
cjfa-34391	150	7	the	the	DET
cjfa-34391	150	8	purposive	purposive	ADJ
cjfa-34391	150	9	sampling	sampling	NOUN
cjfa-34391	150	10	method	method	NOUN
cjfa-34391	150	11	is	be	AUX
cjfa-34391	150	12	most	most	ADV
cjfa-34391	150	13	appropriate	appropriate	ADJ
cjfa-34391	150	14	when	when	SCONJ
cjfa-34391	150	15	researchers	researcher	NOUN
cjfa-34391	150	16	intend	intend	VERB
cjfa-34391	150	17	to	to	PART
cjfa-34391	150	18	access	access	VERB
cjfa-34391	150	19	a	a	DET
cjfa-34391	150	20	particular	particular	ADJ
cjfa-34391	150	21	subset	subset	NOUN
cjfa-34391	150	22	of	of	ADP
cjfa-34391	150	23	the	the	DET
cjfa-34391	150	24	study	study	NOUN
cjfa-34391	150	25	population	population	NOUN
cjfa-34391	150	26	that	that	PRON
cjfa-34391	150	27	fits	fit	VERB
cjfa-34391	150	28	a	a	DET
cjfa-34391	150	29	particular	particular	ADJ
cjfa-34391	150	30	profile	profile	NOUN
cjfa-34391	150	31	of	of	ADP
cjfa-34391	150	32	the	the	DET
cjfa-34391	150	33	research	research	NOUN
cjfa-34391	150	34	.	.	PUNCT
cjfa-34391	151	1	co	co	VERB
cjfa-34391	151	2	-	-	ADJ
cjfa-34391	151	3	evolutionary	evolutionary	ADJ
cjfa-34391	151	4	dynamics	dynamic	NOUN
cjfa-34391	151	5	of	of	ADP
cjfa-34391	151	6	financial	financial	ADJ
cjfa-34391	151	7	inclusion	inclusion	NOUN
cjfa-34391	151	8	of	of	ADP
cjfa-34391	151	9	generation	generation	NOUN
cjfa-34391	151	10	z	z	NOUN
cjfa-34391	151	11	…	…	SYM
cjfa-34391	151	12	39	39	NUM
cjfa-34391	151	13	table	table	NOUN
cjfa-34391	151	14	1	1	NUM
cjfa-34391	151	15	.	.	PUNCT
cjfa-34391	151	16	schema	schema	NOUN
cjfa-34391	151	17	of	of	ADP
cjfa-34391	151	18	data	datum	NOUN
cjfa-34391	151	19	collection	collection	NOUN
cjfa-34391	151	20	and	and	CCONJ
cjfa-34391	151	21	analysis	analysis	NOUN
cjfa-34391	151	22	for	for	ADP
cjfa-34391	151	23	the	the	DET
cjfa-34391	151	24	research	research	NOUN
cjfa-34391	151	25	objective	objective	NOUN
cjfa-34391	151	26	variables	variable	NOUN
cjfa-34391	151	27	data	datum	NOUN
cjfa-34391	151	28	collection	collection	NOUN
cjfa-34391	151	29	methods	method	NOUN
cjfa-34391	151	30	data	data	VERB
cjfa-34391	151	31	analysis	analysis	NOUN
cjfa-34391	151	32	techniques	technique	NOUN
cjfa-34391	151	33	1	1	NUM
cjfa-34391	151	34	.	.	PUNCT
cjfa-34391	151	35	characterising	characterise	VERB
cjfa-34391	151	36	the	the	DET
cjfa-34391	151	37	dynamic	dynamic	ADJ
cjfa-34391	151	38	complexity	complexity	NOUN
cjfa-34391	151	39	of	of	ADP
cjfa-34391	151	40	the	the	DET
cjfa-34391	151	41	digital	digital	ADJ
cjfa-34391	151	42	financial	financial	ADJ
cjfa-34391	151	43	ecosystem	ecosystem	NOUN
cjfa-34391	151	44	–	–	PUNCT
cjfa-34391	151	45	interconnectedness	interconnectedness	NOUN
cjfa-34391	151	46	–	–	PUNCT
cjfa-34391	151	47	feedback	feedback	NOUN
cjfa-34391	151	48	mechanisms	mechanism	NOUN
cjfa-34391	151	49	–	–	PUNCT
cjfa-34391	151	50	emergent	emergent	ADJ
cjfa-34391	151	51	behaviour	behaviour	NOUN
cjfa-34391	151	52	–	–	PUNCT
cjfa-34391	151	53	structured	structure	VERB
cjfa-34391	151	54	observation	observation	NOUN
cjfa-34391	151	55	of	of	ADP
cjfa-34391	151	56	the	the	DET
cjfa-34391	151	57	complex	complex	ADJ
cjfa-34391	151	58	behaviour	behaviour	NOUN
cjfa-34391	151	59	of	of	ADP
cjfa-34391	151	60	the	the	DET
cjfa-34391	151	61	agents	agent	NOUN
cjfa-34391	151	62	–	–	PUNCT
cjfa-34391	151	63	thematic	thematic	ADJ
cjfa-34391	151	64	analysis	analysis	NOUN
cjfa-34391	151	65	with	with	ADP
cjfa-34391	151	66	deductive	deductive	ADJ
cjfa-34391	151	67	logic	logic	NOUN
cjfa-34391	151	68	2	2	NUM
cjfa-34391	151	69	.	.	PUNCT
cjfa-34391	151	70	exploring	explore	VERB
cjfa-34391	151	71	the	the	DET
cjfa-34391	151	72	co	co	ADJ
cjfa-34391	151	73	-	-	ADJ
cjfa-34391	151	74	evolutionary	evolutionary	ADJ
cjfa-34391	151	75	dynamics	dynamic	NOUN
cjfa-34391	151	76	of	of	ADP
cjfa-34391	151	77	financial	financial	ADJ
cjfa-34391	151	78	inclusion	inclusion	NOUN
cjfa-34391	151	79	–	–	PUNCT
cjfa-34391	151	80	financial	financial	ADJ
cjfa-34391	151	81	capability	capability	NOUN
cjfa-34391	151	82	–	–	PUNCT
cjfa-34391	151	83	structured	structure	VERB
cjfa-34391	151	84	interview	interview	NOUN
cjfa-34391	151	85	on	on	ADP
cjfa-34391	151	86	the	the	DET
cjfa-34391	151	87	demand	demand	NOUN
cjfa-34391	151	88	-	-	PUNCT
cjfa-34391	151	89	side	side	NOUN
cjfa-34391	151	90	perspective	perspective	NOUN
cjfa-34391	151	91	on	on	ADP
cjfa-34391	151	92	financial	financial	ADJ
cjfa-34391	151	93	inclusion	inclusion	NOUN
cjfa-34391	151	94	–	–	PUNCT
cjfa-34391	151	95	causal	causal	NOUN
cjfa-34391	151	96	loop	loop	NOUN
cjfa-34391	151	97	analysis	analysis	NOUN
cjfa-34391	151	98	and	and	CCONJ
cjfa-34391	151	99	structural	structural	ADJ
cjfa-34391	151	100	equation	equation	NOUN
cjfa-34391	151	101	modelling	modelling	NOUN
cjfa-34391	151	102	.	.	PUNCT
cjfa-34391	152	1	–	–	PUNCT
cjfa-34391	152	2	bidding	bidding	NOUN
cjfa-34391	152	3	strategies	strategy	NOUN
cjfa-34391	152	4	–	–	PUNCT
cjfa-34391	152	5	digital	digital	ADJ
cjfa-34391	152	6	consumerism	consumerism	NOUN
cjfa-34391	152	7	–	–	PUNCT
cjfa-34391	152	8	financial	financial	ADJ
cjfa-34391	152	9	products	product	NOUN
cjfa-34391	152	10	outlay	outlay	NOUN
cjfa-34391	152	11	–	–	PUNCT
cjfa-34391	152	12	structured	structure	VERB
cjfa-34391	152	13	interview	interview	NOUN
cjfa-34391	152	14	on	on	ADP
cjfa-34391	152	15	the	the	DET
cjfa-34391	152	16	supply	supply	NOUN
cjfa-34391	152	17	-	-	PUNCT
cjfa-34391	152	18	side	side	NOUN
cjfa-34391	152	19	assessment	assessment	NOUN
cjfa-34391	152	20	of	of	ADP
cjfa-34391	152	21	financial	financial	ADJ
cjfa-34391	152	22	inclusion	inclusion	NOUN
cjfa-34391	152	23	–	–	PUNCT
cjfa-34391	152	24	regulatory	regulatory	ADJ
cjfa-34391	152	25	framework	framework	NOUN
cjfa-34391	152	26	–	–	PUNCT
cjfa-34391	152	27	financial	financial	ADJ
cjfa-34391	152	28	technology	technology	NOUN
cjfa-34391	152	29	s	s	PART
cjfa-34391	152	30	o	o	NOUN
cjfa-34391	152	31	u	u	NOUN
cjfa-34391	152	32	r	r	NOUN
cjfa-34391	152	33	c	c	NOUN
cjfa-34391	152	34	e	e	NOUN
cjfa-34391	152	35	:	:	PUNCT
cjfa-34391	152	36	own	own	ADJ
cjfa-34391	152	37	study	study	NOUN
cjfa-34391	152	38	.	.	PUNCT
cjfa-34391	153	1	structural	structural	ADJ
cjfa-34391	153	2	equation	equation	NOUN
cjfa-34391	153	3	modelling	modelling	NOUN
cjfa-34391	153	4	(	(	PUNCT
cjfa-34391	153	5	sem	sem	NOUN
cjfa-34391	153	6	)	)	PUNCT
cjfa-34391	153	7	is	be	AUX
cjfa-34391	153	8	herein	herein	NOUN
cjfa-34391	153	9	used	use	VERB
cjfa-34391	153	10	to	to	PART
cjfa-34391	153	11	quantify	quantify	VERB
cjfa-34391	153	12	the	the	DET
cjfa-34391	153	13	causal	causal	ADJ
cjfa-34391	153	14	relationships	relationship	NOUN
cjfa-34391	153	15	in	in	ADP
cjfa-34391	153	16	the	the	DET
cjfa-34391	153	17	construct	construct	NOUN
cjfa-34391	153	18	of	of	ADP
cjfa-34391	153	19	digital	digital	ADJ
cjfa-34391	153	20	financial	financial	ADJ
cjfa-34391	153	21	inclusion	inclusion	NOUN
cjfa-34391	153	22	with	with	ADP
cjfa-34391	153	23	respect	respect	NOUN
cjfa-34391	153	24	to	to	ADP
cjfa-34391	153	25	generation	generation	NOUN
cjfa-34391	153	26	z.	z.	PROPN
cjfa-34391	153	27	sem	sem	PROPN
cjfa-34391	153	28	is	be	AUX
cjfa-34391	153	29	a	a	DET
cjfa-34391	153	30	multivariate	multivariate	ADJ
cjfa-34391	153	31	statistical	statistical	ADJ
cjfa-34391	153	32	framework	framework	NOUN
cjfa-34391	153	33	that	that	PRON
cjfa-34391	153	34	is	be	AUX
cjfa-34391	153	35	used	use	VERB
cjfa-34391	153	36	to	to	PART
cjfa-34391	153	37	model	model	VERB
cjfa-34391	153	38	complex	complex	ADJ
cjfa-34391	153	39	relationships	relationship	NOUN
cjfa-34391	153	40	between	between	ADP
cjfa-34391	153	41	directly	directly	ADV
cjfa-34391	153	42	observed	observe	VERB
cjfa-34391	153	43	and	and	CCONJ
cjfa-34391	153	44	indirectly	indirectly	ADV
cjfa-34391	153	45	observed	observe	VERB
cjfa-34391	153	46	or	or	CCONJ
cjfa-34391	153	47	latent	latent	NOUN
cjfa-34391	153	48	variables	variable	NOUN
cjfa-34391	153	49	.	.	PUNCT
cjfa-34391	154	1	sem	sem	PROPN
cjfa-34391	154	2	particularly	particularly	ADV
cjfa-34391	154	3	estimates	estimate	VERB
cjfa-34391	154	4	a	a	DET
cjfa-34391	154	5	system	system	NOUN
cjfa-34391	154	6	of	of	ADP
cjfa-34391	154	7	linear	linear	ADJ
cjfa-34391	154	8	equations	equation	NOUN
cjfa-34391	154	9	to	to	PART
cjfa-34391	154	10	test	test	VERB
cjfa-34391	154	11	the	the	DET
cjfa-34391	154	12	fit	fit	NOUN
cjfa-34391	154	13	of	of	ADP
cjfa-34391	154	14	a	a	DET
cjfa-34391	154	15	hypothesized	hypothesized	ADJ
cjfa-34391	154	16	“	"	PUNCT
cjfa-34391	154	17	causal	causal	ADJ
cjfa-34391	154	18	relationship	relationship	NOUN
cjfa-34391	154	19	”	"	PUNCT
cjfa-34391	154	20	model	model	NOUN
cjfa-34391	154	21	,	,	PUNCT
cjfa-34391	154	22	which	which	PRON
cjfa-34391	154	23	is	be	AUX
cjfa-34391	154	24	visually	visually	ADV
cjfa-34391	154	25	presented	present	VERB
cjfa-34391	154	26	as	as	ADP
cjfa-34391	154	27	a	a	DET
cjfa-34391	154	28	“	"	PUNCT
cjfa-34391	154	29	path	path	NOUN
cjfa-34391	154	30	diagram	diagram	NOUN
cjfa-34391	154	31	”	"	PUNCT
cjfa-34391	154	32	based	base	VERB
cjfa-34391	154	33	on	on	ADP
cjfa-34391	154	34	prior	prior	ADJ
cjfa-34391	154	35	knowledge	knowledge	NOUN
cjfa-34391	154	36	and/or	and/or	CCONJ
cjfa-34391	154	37	theories	theory	NOUN
cjfa-34391	154	38	(	(	PUNCT
cjfa-34391	154	39	stein	stein	PROPN
cjfa-34391	154	40	&	&	CCONJ
cjfa-34391	154	41	morris	morris	PROPN
cjfa-34391	154	42	,	,	PUNCT
cjfa-34391	154	43	2012	2012	NUM
cjfa-34391	154	44	)	)	PUNCT
cjfa-34391	154	45	.	.	PUNCT
cjfa-34391	155	1	path	path	NOUN
cjfa-34391	155	2	diagrams	diagram	NOUN
cjfa-34391	155	3	are	be	AUX
cjfa-34391	155	4	constructed	construct	VERB
cjfa-34391	155	5	with	with	ADP
cjfa-34391	155	6	rectangles	rectangle	NOUN
cjfa-34391	155	7	representing	represent	VERB
cjfa-34391	155	8	observed	observe	VERB
cjfa-34391	155	9	or	or	CCONJ
cjfa-34391	155	10	directly	directly	ADV
cjfa-34391	155	11	measured	measure	VERB
cjfa-34391	155	12	variables	variable	NOUN
cjfa-34391	155	13	,	,	PUNCT
cjfa-34391	155	14	and	and	CCONJ
cjfa-34391	155	15	circles	circle	NOUN
cjfa-34391	155	16	or	or	CCONJ
cjfa-34391	155	17	ovals	oval	NOUN
cjfa-34391	155	18	representing	represent	VERB
cjfa-34391	155	19	unobserved	unobserved	ADJ
cjfa-34391	155	20	or	or	CCONJ
cjfa-34391	155	21	latent	latent	ADJ
cjfa-34391	155	22	constructs	construct	NOUN
cjfa-34391	155	23	that	that	PRON
cjfa-34391	155	24	are	be	AUX
cjfa-34391	155	25	defined	define	VERB
cjfa-34391	155	26	by	by	ADP
cjfa-34391	155	27	measured	measure	VERB
cjfa-34391	155	28	variables	variable	NOUN
cjfa-34391	155	29	.	.	PUNCT
cjfa-34391	156	1	unidirectional	unidirectional	ADJ
cjfa-34391	156	2	arrows	arrow	NOUN
cjfa-34391	156	3	then	then	ADV
cjfa-34391	156	4	represent	represent	VERB
cjfa-34391	156	5	causal	causal	ADJ
cjfa-34391	156	6	paths	path	NOUN
cjfa-34391	156	7	,	,	PUNCT
cjfa-34391	156	8	where	where	SCONJ
cjfa-34391	156	9	one	one	NUM
cjfa-34391	156	10	variable	variable	NOUN
cjfa-34391	156	11	influences	influence	VERB
cjfa-34391	156	12	another	another	PRON
cjfa-34391	156	13	directly	directly	ADV
cjfa-34391	156	14	,	,	PUNCT
cjfa-34391	156	15	and	and	CCONJ
cjfa-34391	156	16	double	double	ADJ
cjfa-34391	156	17	-	-	PUNCT
cjfa-34391	156	18	headed	head	VERB
cjfa-34391	156	19	arrows	arrow	NOUN
cjfa-34391	156	20	represent	represent	VERB
cjfa-34391	156	21	correlations	correlation	NOUN
cjfa-34391	156	22	between	between	ADP
cjfa-34391	156	23	variables	variable	NOUN
cjfa-34391	156	24	.	.	PUNCT
cjfa-34391	157	1	the	the	DET
cjfa-34391	157	2	path	path	NOUN
cjfa-34391	157	3	diagram	diagram	NOUN
cjfa-34391	157	4	visualizes	visualize	VERB
cjfa-34391	157	5	two	two	NUM
cjfa-34391	157	6	sub	sub	NOUN
cjfa-34391	157	7	-	-	NOUN
cjfa-34391	157	8	models	model	NOUN
cjfa-34391	157	9	using	use	VERB
cjfa-34391	157	10	a	a	DET
cjfa-34391	157	11	system	system	NOUN
cjfa-34391	157	12	of	of	ADP
cjfa-34391	157	13	linear	linear	PROPN
cjfa-34391	157	14	equations	equation	NOUN
cjfa-34391	157	15	.	.	PUNCT
cjfa-34391	158	1	the	the	DET
cjfa-34391	158	2	first	first	ADJ
cjfa-34391	158	3	model	model	NOUN
cjfa-34391	158	4	is	be	AUX
cjfa-34391	158	5	the	the	DET
cjfa-34391	158	6	measurement	measurement	NOUN
cjfa-34391	158	7	model	model	NOUN
cjfa-34391	158	8	that	that	PRON
cjfa-34391	158	9	estimates	estimate	VERB
cjfa-34391	158	10	relationships	relationship	NOUN
cjfa-34391	158	11	between	between	ADP
cjfa-34391	158	12	the	the	DET
cjfa-34391	158	13	observed	observed	ADJ
cjfa-34391	158	14	variables	variable	NOUN
cjfa-34391	158	15	or	or	CCONJ
cjfa-34391	158	16	indicators	indicator	NOUN
cjfa-34391	158	17	,	,	PUNCT
cjfa-34391	158	18	and	and	CCONJ
cjfa-34391	158	19	latent	latent	NOUN
cjfa-34391	158	20	variables	variable	NOUN
cjfa-34391	158	21	.	.	PUNCT
cjfa-34391	159	1	the	the	DET
cjfa-34391	159	2	measurement	measurement	NOUN
cjfa-34391	159	3	model	model	NOUN
cjfa-34391	159	4	is	be	AUX
cjfa-34391	159	5	given	give	VERB
cjfa-34391	159	6	by	by	ADP
cjfa-34391	159	7	equation	equation	NOUN
cjfa-34391	159	8	1	1	NUM
cjfa-34391	159	9	;	;	PUNCT
cjfa-34391	159	10	where	where	SCONJ
cjfa-34391	159	11	,	,	PUNCT
cjfa-34391	159	12	the	the	DET
cjfa-34391	159	13	x	x	X
cjfa-34391	159	14	and	and	CCONJ
cjfa-34391	159	15	y	y	PROPN
cjfa-34391	159	16	symbols	symbol	NOUN
cjfa-34391	159	17	are	be	AUX
cjfa-34391	159	18	observed	observed	ADJ
cjfa-34391	159	19	indicators	indicator	NOUN
cjfa-34391	159	20	for	for	ADP
cjfa-34391	159	21	latent	latent	NOUN
cjfa-34391	159	22	variables	variable	NOUN
cjfa-34391	159	23	,	,	PUNCT
cjfa-34391	159	24	the	the	DET
cjfa-34391	159	25	ξ	ξ	PROPN
cjfa-34391	159	26	and	and	CCONJ
cjfa-34391	159	27	η	η	PROPN
cjfa-34391	159	28	symbols	symbol	NOUN
cjfa-34391	159	29	are	be	AUX
cjfa-34391	159	30	latent	latent	ADJ
cjfa-34391	159	31	variables	variable	NOUN
cjfa-34391	159	32	,	,	PUNCT
cjfa-34391	159	33	the	the	DET
cjfa-34391	159	34	λ	λ	PROPN
cjfa-34391	159	35	symbols	symbol	NOUN
cjfa-34391	159	36	are	be	AUX
cjfa-34391	159	37	factor	factor	NOUN
cjfa-34391	159	38	loadings	loading	NOUN
cjfa-34391	159	39	,	,	PUNCT
cjfa-34391	159	40	and	and	CCONJ
cjfa-34391	159	41	the	the	DET
cjfa-34391	159	42	ε	ε	PROPN
cjfa-34391	159	43	and	and	CCONJ
cjfa-34391	159	44	δ	δ	PROPN
cjfa-34391	159	45	symbols	symbol	NOUN
cjfa-34391	159	46	are	be	AUX
cjfa-34391	159	47	the	the	DET
cjfa-34391	159	48	error	error	NOUN
cjfa-34391	159	49	,	,	PUNCT
cjfa-34391	159	50	or	or	CCONJ
cjfa-34391	159	51	disturbance	disturbance	NOUN
cjfa-34391	159	52	terms	term	NOUN
cjfa-34391	159	53	.	.	PUNCT
cjfa-34391	160	1	diana	diana	PROPN
cjfa-34391	160	2	kangwa	kangwa	PROPN
cjfa-34391	160	3	,	,	PUNCT
cjfa-34391	160	4	joseph	joseph	PROPN
cjfa-34391	160	5	thokozani	thokozani	PROPN
cjfa-34391	160	6	mwale	mwale	PROPN
cjfa-34391	160	7	,	,	PUNCT
cjfa-34391	160	8	junaid	junaid	VERB
cjfa-34391	160	9	m.	m.	PROPN
cjfa-34391	160	10	shaikh40	shaikh40	PROPN
cjfa-34391	160	11	statistical	statistical	ADJ
cjfa-34391	160	12	framework	framework	NOUN
cjfa-34391	160	13	that	that	PRON
cjfa-34391	160	14	is	be	AUX
cjfa-34391	160	15	used	use	VERB
cjfa-34391	160	16	to	to	PART
cjfa-34391	160	17	model	model	VERB
cjfa-34391	160	18	complex	complex	ADJ
cjfa-34391	160	19	relationships	relationship	NOUN
cjfa-34391	160	20	between	between	ADP
cjfa-34391	160	21	directly	directly	ADV
cjfa-34391	160	22	observed	observe	VERB
cjfa-34391	160	23	and	and	CCONJ
cjfa-34391	160	24	indirectly	indirectly	ADV
cjfa-34391	160	25	observed	observe	VERB
cjfa-34391	160	26	or	or	CCONJ
cjfa-34391	160	27	latent	latent	NOUN
cjfa-34391	160	28	variables	variable	NOUN
cjfa-34391	160	29	.	.	PUNCT
cjfa-34391	161	1	sem	sem	PROPN
cjfa-34391	161	2	particularly	particularly	ADV
cjfa-34391	161	3	estimates	estimate	VERB
cjfa-34391	161	4	a	a	DET
cjfa-34391	161	5	system	system	NOUN
cjfa-34391	161	6	of	of	ADP
cjfa-34391	161	7	linear	linear	ADJ
cjfa-34391	161	8	equations	equation	NOUN
cjfa-34391	161	9	to	to	PART
cjfa-34391	161	10	test	test	VERB
cjfa-34391	161	11	the	the	DET
cjfa-34391	161	12	fit	fit	NOUN
cjfa-34391	161	13	of	of	ADP
cjfa-34391	161	14	a	a	DET
cjfa-34391	161	15	hypothesized	hypothesized	ADJ
cjfa-34391	161	16	“	"	PUNCT
cjfa-34391	161	17	causal	causal	ADJ
cjfa-34391	161	18	relationship	relationship	NOUN
cjfa-34391	161	19	”	"	PUNCT
cjfa-34391	161	20	model	model	NOUN
cjfa-34391	161	21	,	,	PUNCT
cjfa-34391	161	22	which	which	PRON
cjfa-34391	161	23	is	be	AUX
cjfa-34391	161	24	visually	visually	ADV
cjfa-34391	161	25	presented	present	VERB
cjfa-34391	161	26	as	as	ADP
cjfa-34391	161	27	a	a	DET
cjfa-34391	161	28	“	"	PUNCT
cjfa-34391	161	29	path	path	NOUN
cjfa-34391	161	30	diagram	diagram	NOUN
cjfa-34391	161	31	”	"	PUNCT
cjfa-34391	161	32	based	base	VERB
cjfa-34391	161	33	on	on	ADP
cjfa-34391	161	34	prior	prior	ADJ
cjfa-34391	161	35	knowledge	knowledge	NOUN
cjfa-34391	161	36	and/or	and/or	CCONJ
cjfa-34391	161	37	theories	theory	NOUN
cjfa-34391	161	38	(	(	PUNCT
cjfa-34391	161	39	stein	stein	PROPN
cjfa-34391	161	40	&	&	CCONJ
cjfa-34391	161	41	morris	morris	PROPN
cjfa-34391	161	42	,	,	PUNCT
cjfa-34391	161	43	2012	2012	NUM
cjfa-34391	161	44	)	)	PUNCT
cjfa-34391	161	45	.	.	PUNCT
cjfa-34391	162	1	path	path	NOUN
cjfa-34391	162	2	diagrams	diagram	NOUN
cjfa-34391	162	3	are	be	AUX
cjfa-34391	162	4	constructed	construct	VERB
cjfa-34391	162	5	with	with	ADP
cjfa-34391	162	6	rectangles	rectangle	NOUN
cjfa-34391	162	7	representing	represent	VERB
cjfa-34391	162	8	observed	observe	VERB
cjfa-34391	162	9	or	or	CCONJ
cjfa-34391	162	10	directly	directly	ADV
cjfa-34391	162	11	measured	measure	VERB
cjfa-34391	162	12	variables	variable	NOUN
cjfa-34391	162	13	,	,	PUNCT
cjfa-34391	162	14	and	and	CCONJ
cjfa-34391	162	15	circles	circle	NOUN
cjfa-34391	162	16	or	or	CCONJ
cjfa-34391	162	17	ovals	oval	NOUN
cjfa-34391	162	18	representing	represent	VERB
cjfa-34391	162	19	unobserved	unobserved	ADJ
cjfa-34391	162	20	or	or	CCONJ
cjfa-34391	162	21	latent	latent	ADJ
cjfa-34391	162	22	constructs	construct	NOUN
cjfa-34391	162	23	that	that	PRON
cjfa-34391	162	24	are	be	AUX
cjfa-34391	162	25	defined	define	VERB
cjfa-34391	162	26	by	by	ADP
cjfa-34391	162	27	measured	measure	VERB
cjfa-34391	162	28	variables	variable	NOUN
cjfa-34391	162	29	.	.	PUNCT
cjfa-34391	163	1	unidirectional	unidirectional	ADJ
cjfa-34391	163	2	arrows	arrow	NOUN
cjfa-34391	163	3	then	then	ADV
cjfa-34391	163	4	represent	represent	VERB
cjfa-34391	163	5	causal	causal	ADJ
cjfa-34391	163	6	paths	path	NOUN
cjfa-34391	163	7	,	,	PUNCT
cjfa-34391	163	8	where	where	SCONJ
cjfa-34391	163	9	one	one	NUM
cjfa-34391	163	10	variable	variable	NOUN
cjfa-34391	163	11	influences	influence	VERB
cjfa-34391	163	12	another	another	PRON
cjfa-34391	163	13	directly	directly	ADV
cjfa-34391	163	14	,	,	PUNCT
cjfa-34391	163	15	and	and	CCONJ
cjfa-34391	163	16	double	double	ADJ
cjfa-34391	163	17	-	-	PUNCT
cjfa-34391	163	18	headed	head	VERB
cjfa-34391	163	19	arrows	arrow	NOUN
cjfa-34391	163	20	represent	represent	VERB
cjfa-34391	163	21	correlations	correlation	NOUN
cjfa-34391	163	22	between	between	ADP
cjfa-34391	163	23	variables	variable	NOUN
cjfa-34391	163	24	.	.	PUNCT
cjfa-34391	164	1	the	the	DET
cjfa-34391	164	2	path	path	NOUN
cjfa-34391	164	3	diagram	diagram	NOUN
cjfa-34391	164	4	visualizes	visualize	VERB
cjfa-34391	164	5	two	two	NUM
cjfa-34391	164	6	sub	sub	NOUN
cjfa-34391	164	7	-	-	NOUN
cjfa-34391	164	8	models	model	NOUN
cjfa-34391	164	9	using	use	VERB
cjfa-34391	164	10	a	a	DET
cjfa-34391	164	11	system	system	NOUN
cjfa-34391	164	12	of	of	ADP
cjfa-34391	164	13	linear	linear	PROPN
cjfa-34391	164	14	equations	equation	NOUN
cjfa-34391	164	15	.	.	PUNCT
cjfa-34391	165	1	the	the	DET
cjfa-34391	165	2	first	first	ADJ
cjfa-34391	165	3	model	model	NOUN
cjfa-34391	165	4	is	be	AUX
cjfa-34391	165	5	the	the	DET
cjfa-34391	165	6	measurement	measurement	NOUN
cjfa-34391	165	7	model	model	NOUN
cjfa-34391	165	8	that	that	PRON
cjfa-34391	165	9	estimates	estimate	VERB
cjfa-34391	165	10	relationships	relationship	NOUN
cjfa-34391	165	11	between	between	ADP
cjfa-34391	165	12	the	the	DET
cjfa-34391	165	13	observed	observed	ADJ
cjfa-34391	165	14	variables	variable	NOUN
cjfa-34391	165	15	or	or	CCONJ
cjfa-34391	165	16	indicators	indicator	NOUN
cjfa-34391	165	17	,	,	PUNCT
cjfa-34391	165	18	and	and	CCONJ
cjfa-34391	165	19	latent	latent	NOUN
cjfa-34391	165	20	variables	variable	NOUN
cjfa-34391	165	21	.	.	PUNCT
cjfa-34391	166	1	the	the	DET
cjfa-34391	166	2	measurement	measurement	NOUN
cjfa-34391	166	3	model	model	NOUN
cjfa-34391	166	4	is	be	AUX
cjfa-34391	166	5	given	give	VERB
cjfa-34391	166	6	by	by	ADP
cjfa-34391	166	7	equation	equation	NOUN
cjfa-34391	166	8	1	1	NUM
cjfa-34391	166	9	;	;	PUNCT
cjfa-34391	166	10	where	where	SCONJ
cjfa-34391	166	11	,	,	PUNCT
cjfa-34391	166	12	the	the	DET
cjfa-34391	166	13	x	x	X
cjfa-34391	166	14	and	and	CCONJ
cjfa-34391	166	15	y	y	PROPN
cjfa-34391	166	16	symbols	symbol	NOUN
cjfa-34391	166	17	are	be	AUX
cjfa-34391	166	18	observed	observed	ADJ
cjfa-34391	166	19	indicators	indicator	NOUN
cjfa-34391	166	20	for	for	ADP
cjfa-34391	166	21	latent	latent	NOUN
cjfa-34391	166	22	variables	variable	NOUN
cjfa-34391	166	23	,	,	PUNCT
cjfa-34391	166	24	the	the	DET
cjfa-34391	166	25	ξ	ξ	PROPN
cjfa-34391	166	26	and	and	CCONJ
cjfa-34391	166	27	η	η	PROPN
cjfa-34391	166	28	symbols	symbol	NOUN
cjfa-34391	166	29	are	be	AUX
cjfa-34391	166	30	latent	latent	ADJ
cjfa-34391	166	31	variables	variable	NOUN
cjfa-34391	166	32	,	,	PUNCT
cjfa-34391	166	33	the	the	DET
cjfa-34391	166	34	λ	λ	PROPN
cjfa-34391	166	35	symbols	symbol	NOUN
cjfa-34391	166	36	are	be	AUX
cjfa-34391	166	37	factor	factor	NOUN
cjfa-34391	166	38	loadings	loading	NOUN
cjfa-34391	166	39	,	,	PUNCT
cjfa-34391	166	40	and	and	CCONJ
cjfa-34391	166	41	the	the	DET
cjfa-34391	166	42	ε	ε	PROPN
cjfa-34391	166	43	and	and	CCONJ
cjfa-34391	166	44	δ	δ	PROPN
cjfa-34391	166	45	symbols	symbol	NOUN
cjfa-34391	166	46	are	be	AUX
cjfa-34391	166	47	the	the	DET
cjfa-34391	166	48	error	error	NOUN
cjfa-34391	166	49	,	,	PUNCT
cjfa-34391	166	50	or	or	CCONJ
cjfa-34391	166	51	disturbance	disturbance	NOUN
cjfa-34391	166	52	terms	term	NOUN
cjfa-34391	166	53	.	.	PUNCT
cjfa-34391	167	1	𝑥𝑥	𝑥𝑥	ADP
cjfa-34391	167	2	�	�	PROPN
cjfa-34391	167	3	=	=	SYM
cjfa-34391	167	4	𝜆𝜆	𝜆𝜆	PROPN
cjfa-34391	167	5	�	�	PROPN
cjfa-34391	167	6	ξ	ξ	PROPN
cjfa-34391	167	7	�	�	PROPN
cjfa-34391	167	8	+	+	CCONJ
cjfa-34391	167	9	𝛿𝛿	𝛿𝛿	PROPN
cjfa-34391	167	10	�	�	PROPN
cjfa-34391	167	11	𝑦𝑦	𝑦𝑦	PROPN
cjfa-34391	167	12	�	�	PROPN
cjfa-34391	167	13	=	=	SYM
cjfa-34391	167	14	𝜆𝜆	𝜆𝜆	NOUN
cjfa-34391	167	15	�	�	PROPN
cjfa-34391	167	16	𝜂𝜂	𝜂𝜂	NOUN
cjfa-34391	167	17	�	�	PROPN
cjfa-34391	167	18	+	+	CCONJ
cjfa-34391	167	19	𝜀𝜀	𝜀𝜀	PRON
cjfa-34391	167	20	�	�	PROPN
cjfa-34391	167	21	𝑥𝑥	𝑥𝑥	ADP
cjfa-34391	167	22	�	�	PROPN
cjfa-34391	167	23	=	=	SYM
cjfa-34391	167	24	𝜆𝜆	𝜆𝜆	PROPN
cjfa-34391	167	25	�	�	PROPN
cjfa-34391	167	26	ξ	ξ	PROPN
cjfa-34391	167	27	�	�	PROPN
cjfa-34391	167	28	+	+	CCONJ
cjfa-34391	167	29	𝛿𝛿	𝛿𝛿	PROPN
cjfa-34391	167	30	�	�	PROPN
cjfa-34391	167	31	𝑦𝑦	𝑦𝑦	PROPN
cjfa-34391	167	32	�	�	PROPN
cjfa-34391	167	33	=	=	SYM
cjfa-34391	167	34	𝜆𝜆	𝜆𝜆	NOUN
cjfa-34391	167	35	�	�	PROPN
cjfa-34391	167	36	𝜂𝜂	𝜂𝜂	NOUN
cjfa-34391	167	37	�	�	PROPN
cjfa-34391	167	38	+	+	CCONJ
cjfa-34391	167	39	𝜀𝜀	𝜀𝜀	PRON
cjfa-34391	167	40	�	�	PROPN
cjfa-34391	167	41	𝑥𝑥	𝑥𝑥	ADP
cjfa-34391	167	42	�	�	PROPN
cjfa-34391	167	43	=	=	SYM
cjfa-34391	167	44	𝜆𝜆	𝜆𝜆	PROPN
cjfa-34391	167	45	�	�	PROPN
cjfa-34391	167	46	ξ	ξ	PROPN
cjfa-34391	167	47	�	�	PROPN
cjfa-34391	167	48	+	+	CCONJ
cjfa-34391	167	49	𝛿𝛿	𝛿𝛿	PROPN
cjfa-34391	167	50	�	�	PROPN
cjfa-34391	167	51	𝑦𝑦	𝑦𝑦	PROPN
cjfa-34391	167	52	�	�	PROPN
cjfa-34391	167	53	=	=	SYM
cjfa-34391	167	54	𝜆𝜆	𝜆𝜆	NOUN
cjfa-34391	167	55	�	�	PROPN
cjfa-34391	167	56	𝜂𝜂	𝜂𝜂	NOUN
cjfa-34391	167	57	�	�	PROPN
cjfa-34391	167	58	+	+	CCONJ
cjfa-34391	167	59	𝜀𝜀	𝜀𝜀	PROPN
cjfa-34391	167	60	�	�	PROPN
cjfa-34391	167	61	(	(	PUNCT
cjfa-34391	167	62	1	1	NUM
cjfa-34391	167	63	)	)	PUNCT
cjfa-34391	167	64	the	the	DET
cjfa-34391	167	65	second	second	ADJ
cjfa-34391	167	66	model	model	NOUN
cjfa-34391	167	67	in	in	ADP
cjfa-34391	167	68	sem	sem	PROPN
cjfa-34391	167	69	is	be	AUX
cjfa-34391	167	70	the	the	DET
cjfa-34391	167	71	structural	structural	ADJ
cjfa-34391	167	72	model	model	NOUN
cjfa-34391	167	73	that	that	PRON
cjfa-34391	167	74	develops	develop	VERB
cjfa-34391	167	75	the	the	DET
cjfa-34391	167	76	relationships	relationship	NOUN
cjfa-34391	167	77	between	between	ADP
cjfa-34391	167	78	the	the	DET
cjfa-34391	167	79	latent	latent	NOUN
cjfa-34391	167	80	variables	variable	NOUN
cjfa-34391	167	81	based	base	VERB
cjfa-34391	167	82	on	on	ADP
cjfa-34391	167	83	the	the	DET
cjfa-34391	167	84	endogenous	endogenous	ADJ
cjfa-34391	167	85	and	and	CCONJ
cjfa-34391	167	86	exogenous	exogenous	ADJ
cjfa-34391	167	87	variables	variable	NOUN
cjfa-34391	167	88	.	.	PUNCT
cjfa-34391	168	1	the	the	DET
cjfa-34391	168	2	structural	structural	ADJ
cjfa-34391	168	3	model	model	NOUN
cjfa-34391	168	4	is	be	AUX
cjfa-34391	168	5	then	then	ADV
cjfa-34391	168	6	described	describe	VERB
cjfa-34391	168	7	by	by	ADP
cjfa-34391	168	8	equation	equation	NOUN
cjfa-34391	168	9	2	2	NUM
cjfa-34391	168	10	;	;	PUNCT
cjfa-34391	168	11	where	where	SCONJ
cjfa-34391	168	12	,	,	PUNCT
cjfa-34391	168	13	the	the	DET
cjfa-34391	168	14	γ	γ	NOUN
cjfa-34391	168	15	and	and	CCONJ
cjfa-34391	168	16	β	β	PROPN
cjfa-34391	168	17	terms	term	NOUN
cjfa-34391	168	18	are	be	AUX
cjfa-34391	168	19	factor	factor	NOUN
cjfa-34391	168	20	loadings	loading	NOUN
cjfa-34391	168	21	for	for	ADP
cjfa-34391	168	22	the	the	DET
cjfa-34391	168	23	latent	latent	NOUN
cjfa-34391	168	24	variables	variable	NOUN
cjfa-34391	168	25	,	,	PUNCT
cjfa-34391	168	26	and	and	CCONJ
cjfa-34391	168	27	ξ	ξ	PROPN
cjfa-34391	168	28	and	and	CCONJ
cjfa-34391	168	29	ζ	ζ	NOUN
cjfa-34391	168	30	are	be	AUX
cjfa-34391	168	31	error	error	NOUN
cjfa-34391	168	32	terms	term	NOUN
cjfa-34391	168	33	.	.	PUNCT
cjfa-34391	169	1	the	the	DET
cjfa-34391	169	2	structural	structural	ADJ
cjfa-34391	169	3	model	model	NOUN
cjfa-34391	169	4	can	can	AUX
cjfa-34391	169	5	then	then	ADV
cjfa-34391	169	6	evaluate	evaluate	VERB
cjfa-34391	169	7	potential	potential	ADJ
cjfa-34391	169	8	causal	causal	ADJ
cjfa-34391	169	9	relationships	relationship	NOUN
cjfa-34391	169	10	between	between	ADP
cjfa-34391	169	11	the	the	DET
cjfa-34391	169	12	endogenous	endogenous	ADJ
cjfa-34391	169	13	and	and	CCONJ
cjfa-34391	169	14	exogenous	exogenous	ADJ
cjfa-34391	169	15	variables	variable	NOUN
cjfa-34391	169	16	.	.	PUNCT
cjfa-34391	170	1	𝜂𝜂	𝜂𝜂	ADP
cjfa-34391	170	2	�	�	PROPN
cjfa-34391	170	3	=	=	SYM
cjfa-34391	170	4	𝛾𝛾	𝛾𝛾	PROPN
cjfa-34391	170	5	�	�	PROPN
cjfa-34391	170	6	�	�	PROPN
cjfa-34391	170	7	𝜉𝜉	𝜉𝜉	NOUN
cjfa-34391	170	8	�	�	PROPN
cjfa-34391	170	9	+	+	CCONJ
cjfa-34391	170	10	𝜁𝜁	𝜁𝜁	PROPN
cjfa-34391	170	11	�	�	PROPN
cjfa-34391	170	12	𝜂𝜂	𝜂𝜂	NOUN
cjfa-34391	170	13	�	�	PROPN
cjfa-34391	170	14	=	=	PUNCT
cjfa-34391	170	15	β	β	SYM
cjfa-34391	170	16	�	�	PROPN
cjfa-34391	170	17	�	�	PROPN
cjfa-34391	170	18	𝜉𝜉	𝜉𝜉	NOUN
cjfa-34391	170	19	�	�	PROPN
cjfa-34391	170	20	+	+	CCONJ
cjfa-34391	170	21	𝜁𝜁	𝜁𝜁	PROPN
cjfa-34391	170	22	�	�	PROPN
cjfa-34391	170	23	(	(	PUNCT
cjfa-34391	170	24	2	2	NUM
cjfa-34391	170	25	)	)	PUNCT
cjfa-34391	170	26	the	the	DET
cjfa-34391	170	27	systems	system	NOUN
cjfa-34391	170	28	of	of	ADP
cjfa-34391	170	29	equations	equation	NOUN
cjfa-34391	170	30	in	in	ADP
cjfa-34391	170	31	sem	sem	PROPN
cjfa-34391	170	32	are	be	AUX
cjfa-34391	170	33	fitted	fit	VERB
cjfa-34391	170	34	to	to	ADP
cjfa-34391	170	35	the	the	DET
cjfa-34391	170	36	data	datum	NOUN
cjfa-34391	170	37	using	use	VERB
cjfa-34391	170	38	the	the	DET
cjfa-34391	170	39	maximum	maximum	ADJ
cjfa-34391	170	40	likelihood	likelihood	NOUN
cjfa-34391	170	41	estimation	estimation	NOUN
cjfa-34391	170	42	fitting	fitting	ADJ
cjfa-34391	170	43	functions	function	NOUN
cjfa-34391	170	44	assuming	assume	VERB
cjfa-34391	170	45	that	that	SCONJ
cjfa-34391	170	46	the	the	DET
cjfa-34391	170	47	data	datum	NOUN
cjfa-34391	170	48	are	be	AUX
cjfa-34391	170	49	normally	normally	ADV
cjfa-34391	170	50	distributed	distribute	VERB
cjfa-34391	170	51	and	and	CCONJ
cjfa-34391	170	52	the	the	DET
cjfa-34391	170	53	observations	observation	NOUN
cjfa-34391	170	54	are	be	AUX
cjfa-34391	170	55	independent	independent	ADJ
cjfa-34391	170	56	.	.	PUNCT
cjfa-34391	171	1	hancock	hancock	PROPN
cjfa-34391	171	2	(	(	PUNCT
cjfa-34391	171	3	2003	2003	NUM
cjfa-34391	171	4	)	)	PUNCT
cjfa-34391	171	5	notes	note	VERB
cjfa-34391	171	6	that	that	SCONJ
cjfa-34391	171	7	the	the	DET
cjfa-34391	171	8	use	use	NOUN
cjfa-34391	171	9	of	of	ADP
cjfa-34391	171	10	sem	sem	NOUN
cjfa-34391	171	11	is	be	AUX
cjfa-34391	171	12	commonly	commonly	ADV
cjfa-34391	171	13	justified	justify	VERB
cjfa-34391	171	14	in	in	ADP
cjfa-34391	171	15	the	the	DET
cjfa-34391	171	16	social	social	ADJ
cjfa-34391	171	17	sciences	science	NOUN
cjfa-34391	171	18	because	because	SCONJ
cjfa-34391	171	19	of	of	ADP
cjfa-34391	171	20	its	its	PRON
cjfa-34391	171	21	ability	ability	NOUN
cjfa-34391	171	22	to	to	PART
cjfa-34391	171	23	impute	impute	VERB
cjfa-34391	171	24	relationships	relationship	NOUN
cjfa-34391	171	25	between	between	ADP
cjfa-34391	171	26	unobserved	unobserved	ADJ
cjfa-34391	171	27	constructs	construct	NOUN
cjfa-34391	171	28	(	(	PUNCT
cjfa-34391	171	29	latent	latent	NOUN
cjfa-34391	171	30	variables	variable	NOUN
cjfa-34391	171	31	)	)	PUNCT
cjfa-34391	171	32	from	from	ADP
cjfa-34391	171	33	observable	observable	ADJ
cjfa-34391	171	34	variables	variable	NOUN
cjfa-34391	171	35	.	.	PUNCT
cjfa-34391	172	1	(	(	PUNCT
cjfa-34391	172	2	1	1	X
cjfa-34391	172	3	)	)	PUNCT
cjfa-34391	172	4	the	the	DET
cjfa-34391	172	5	second	second	ADJ
cjfa-34391	172	6	model	model	NOUN
cjfa-34391	172	7	in	in	ADP
cjfa-34391	172	8	sem	sem	PROPN
cjfa-34391	172	9	is	be	AUX
cjfa-34391	172	10	the	the	DET
cjfa-34391	172	11	structural	structural	ADJ
cjfa-34391	172	12	model	model	NOUN
cjfa-34391	172	13	that	that	PRON
cjfa-34391	172	14	develops	develop	VERB
cjfa-34391	172	15	the	the	DET
cjfa-34391	172	16	relationships	relationship	NOUN
cjfa-34391	172	17	between	between	ADP
cjfa-34391	172	18	the	the	DET
cjfa-34391	172	19	latent	latent	NOUN
cjfa-34391	172	20	variables	variable	NOUN
cjfa-34391	172	21	based	base	VERB
cjfa-34391	172	22	on	on	ADP
cjfa-34391	172	23	the	the	DET
cjfa-34391	172	24	endogenous	endogenous	ADJ
cjfa-34391	172	25	and	and	CCONJ
cjfa-34391	172	26	exogenous	exogenous	ADJ
cjfa-34391	172	27	variables	variable	NOUN
cjfa-34391	172	28	.	.	PUNCT
cjfa-34391	173	1	the	the	DET
cjfa-34391	173	2	structural	structural	ADJ
cjfa-34391	173	3	model	model	NOUN
cjfa-34391	173	4	is	be	AUX
cjfa-34391	173	5	then	then	ADV
cjfa-34391	173	6	described	describe	VERB
cjfa-34391	173	7	by	by	ADP
cjfa-34391	173	8	equation	equation	NOUN
cjfa-34391	173	9	2	2	NUM
cjfa-34391	173	10	;	;	PUNCT
cjfa-34391	173	11	where	where	SCONJ
cjfa-34391	173	12	,	,	PUNCT
cjfa-34391	173	13	the	the	DET
cjfa-34391	173	14	γ	γ	NOUN
cjfa-34391	173	15	and	and	CCONJ
cjfa-34391	173	16	β	β	PROPN
cjfa-34391	173	17	terms	term	NOUN
cjfa-34391	173	18	are	be	AUX
cjfa-34391	173	19	factor	factor	NOUN
cjfa-34391	173	20	loadings	loading	NOUN
cjfa-34391	173	21	for	for	ADP
cjfa-34391	173	22	the	the	DET
cjfa-34391	173	23	latent	latent	NOUN
cjfa-34391	173	24	variables	variable	NOUN
cjfa-34391	173	25	,	,	PUNCT
cjfa-34391	173	26	and	and	CCONJ
cjfa-34391	173	27	ξ	ξ	PROPN
cjfa-34391	173	28	and	and	CCONJ
cjfa-34391	173	29	ζ	ζ	NOUN
cjfa-34391	173	30	are	be	AUX
cjfa-34391	173	31	error	error	NOUN
cjfa-34391	173	32	terms	term	NOUN
cjfa-34391	173	33	.	.	PUNCT
cjfa-34391	174	1	the	the	DET
cjfa-34391	174	2	structural	structural	ADJ
cjfa-34391	174	3	model	model	NOUN
cjfa-34391	174	4	can	can	AUX
cjfa-34391	174	5	then	then	ADV
cjfa-34391	174	6	evaluate	evaluate	VERB
cjfa-34391	174	7	potential	potential	ADJ
cjfa-34391	174	8	causal	causal	ADJ
cjfa-34391	174	9	relationships	relationship	NOUN
cjfa-34391	174	10	between	between	ADP
cjfa-34391	174	11	the	the	DET
cjfa-34391	174	12	endogenous	endogenous	ADJ
cjfa-34391	174	13	and	and	CCONJ
cjfa-34391	174	14	exogenous	exogenous	ADJ
cjfa-34391	174	15	variables	variable	NOUN
cjfa-34391	174	16	.	.	PUNCT
cjfa-34391	175	1	statistical	statistical	ADJ
cjfa-34391	175	2	framework	framework	NOUN
cjfa-34391	175	3	that	that	PRON
cjfa-34391	175	4	is	be	AUX
cjfa-34391	175	5	used	use	VERB
cjfa-34391	175	6	to	to	PART
cjfa-34391	175	7	model	model	VERB
cjfa-34391	175	8	complex	complex	ADJ
cjfa-34391	175	9	relationships	relationship	NOUN
cjfa-34391	175	10	between	between	ADP
cjfa-34391	175	11	directly	directly	ADV
cjfa-34391	175	12	observed	observe	VERB
cjfa-34391	175	13	and	and	CCONJ
cjfa-34391	175	14	indirectly	indirectly	ADV
cjfa-34391	175	15	observed	observe	VERB
cjfa-34391	175	16	or	or	CCONJ
cjfa-34391	175	17	latent	latent	NOUN
cjfa-34391	175	18	variables	variable	NOUN
cjfa-34391	175	19	.	.	PUNCT
cjfa-34391	176	1	sem	sem	PROPN
cjfa-34391	176	2	particularly	particularly	ADV
cjfa-34391	176	3	estimates	estimate	VERB
cjfa-34391	176	4	a	a	DET
cjfa-34391	176	5	system	system	NOUN
cjfa-34391	176	6	of	of	ADP
cjfa-34391	176	7	linear	linear	ADJ
cjfa-34391	176	8	equations	equation	NOUN
cjfa-34391	176	9	to	to	PART
cjfa-34391	176	10	test	test	VERB
cjfa-34391	176	11	the	the	DET
cjfa-34391	176	12	fit	fit	NOUN
cjfa-34391	176	13	of	of	ADP
cjfa-34391	176	14	a	a	DET
cjfa-34391	176	15	hypothesized	hypothesized	ADJ
cjfa-34391	176	16	“	"	PUNCT
cjfa-34391	176	17	causal	causal	ADJ
cjfa-34391	176	18	relationship	relationship	NOUN
cjfa-34391	176	19	”	"	PUNCT
cjfa-34391	176	20	model	model	NOUN
cjfa-34391	176	21	,	,	PUNCT
cjfa-34391	176	22	which	which	PRON
cjfa-34391	176	23	is	be	AUX
cjfa-34391	176	24	visually	visually	ADV
cjfa-34391	176	25	presented	present	VERB
cjfa-34391	176	26	as	as	ADP
cjfa-34391	176	27	a	a	DET
cjfa-34391	176	28	“	"	PUNCT
cjfa-34391	176	29	path	path	NOUN
cjfa-34391	176	30	diagram	diagram	NOUN
cjfa-34391	176	31	”	"	PUNCT
cjfa-34391	176	32	based	base	VERB
cjfa-34391	176	33	on	on	ADP
cjfa-34391	176	34	prior	prior	ADJ
cjfa-34391	176	35	knowledge	knowledge	NOUN
cjfa-34391	176	36	and/or	and/or	CCONJ
cjfa-34391	176	37	theories	theory	NOUN
cjfa-34391	176	38	(	(	PUNCT
cjfa-34391	176	39	stein	stein	PROPN
cjfa-34391	176	40	&	&	CCONJ
cjfa-34391	176	41	morris	morris	PROPN
cjfa-34391	176	42	,	,	PUNCT
cjfa-34391	176	43	2012	2012	NUM
cjfa-34391	176	44	)	)	PUNCT
cjfa-34391	176	45	.	.	PUNCT
cjfa-34391	177	1	path	path	NOUN
cjfa-34391	177	2	diagrams	diagram	NOUN
cjfa-34391	177	3	are	be	AUX
cjfa-34391	177	4	constructed	construct	VERB
cjfa-34391	177	5	with	with	ADP
cjfa-34391	177	6	rectangles	rectangle	NOUN
cjfa-34391	177	7	representing	represent	VERB
cjfa-34391	177	8	observed	observe	VERB
cjfa-34391	177	9	or	or	CCONJ
cjfa-34391	177	10	directly	directly	ADV
cjfa-34391	177	11	measured	measure	VERB
cjfa-34391	177	12	variables	variable	NOUN
cjfa-34391	177	13	,	,	PUNCT
cjfa-34391	177	14	and	and	CCONJ
cjfa-34391	177	15	circles	circle	NOUN
cjfa-34391	177	16	or	or	CCONJ
cjfa-34391	177	17	ovals	oval	NOUN
cjfa-34391	177	18	representing	represent	VERB
cjfa-34391	177	19	unobserved	unobserved	ADJ
cjfa-34391	177	20	or	or	CCONJ
cjfa-34391	177	21	latent	latent	ADJ
cjfa-34391	177	22	constructs	construct	NOUN
cjfa-34391	177	23	that	that	PRON
cjfa-34391	177	24	are	be	AUX
cjfa-34391	177	25	defined	define	VERB
cjfa-34391	177	26	by	by	ADP
cjfa-34391	177	27	measured	measure	VERB
cjfa-34391	177	28	variables	variable	NOUN
cjfa-34391	177	29	.	.	PUNCT
cjfa-34391	178	1	unidirectional	unidirectional	ADJ
cjfa-34391	178	2	arrows	arrow	NOUN
cjfa-34391	178	3	then	then	ADV
cjfa-34391	178	4	represent	represent	VERB
cjfa-34391	178	5	causal	causal	ADJ
cjfa-34391	178	6	paths	path	NOUN
cjfa-34391	178	7	,	,	PUNCT
cjfa-34391	178	8	where	where	SCONJ
cjfa-34391	178	9	one	one	NUM
cjfa-34391	178	10	variable	variable	NOUN
cjfa-34391	178	11	influences	influence	VERB
cjfa-34391	178	12	another	another	PRON
cjfa-34391	178	13	directly	directly	ADV
cjfa-34391	178	14	,	,	PUNCT
cjfa-34391	178	15	and	and	CCONJ
cjfa-34391	178	16	double	double	ADJ
cjfa-34391	178	17	-	-	PUNCT
cjfa-34391	178	18	headed	head	VERB
cjfa-34391	178	19	arrows	arrow	NOUN
cjfa-34391	178	20	represent	represent	VERB
cjfa-34391	178	21	correlations	correlation	NOUN
cjfa-34391	178	22	between	between	ADP
cjfa-34391	178	23	variables	variable	NOUN
cjfa-34391	178	24	.	.	PUNCT
cjfa-34391	179	1	the	the	DET
cjfa-34391	179	2	path	path	NOUN
cjfa-34391	179	3	diagram	diagram	NOUN
cjfa-34391	179	4	visualizes	visualize	VERB
cjfa-34391	179	5	two	two	NUM
cjfa-34391	179	6	sub	sub	NOUN
cjfa-34391	179	7	-	-	NOUN
cjfa-34391	179	8	models	model	NOUN
cjfa-34391	179	9	using	use	VERB
cjfa-34391	179	10	a	a	DET
cjfa-34391	179	11	system	system	NOUN
cjfa-34391	179	12	of	of	ADP
cjfa-34391	179	13	linear	linear	PROPN
cjfa-34391	179	14	equations	equation	NOUN
cjfa-34391	179	15	.	.	PUNCT
cjfa-34391	180	1	the	the	DET
cjfa-34391	180	2	first	first	ADJ
cjfa-34391	180	3	model	model	NOUN
cjfa-34391	180	4	is	be	AUX
cjfa-34391	180	5	the	the	DET
cjfa-34391	180	6	measurement	measurement	NOUN
cjfa-34391	180	7	model	model	NOUN
cjfa-34391	180	8	that	that	PRON
cjfa-34391	180	9	estimates	estimate	VERB
cjfa-34391	180	10	relationships	relationship	NOUN
cjfa-34391	180	11	between	between	ADP
cjfa-34391	180	12	the	the	DET
cjfa-34391	180	13	observed	observed	ADJ
cjfa-34391	180	14	variables	variable	NOUN
cjfa-34391	180	15	or	or	CCONJ
cjfa-34391	180	16	indicators	indicator	NOUN
cjfa-34391	180	17	,	,	PUNCT
cjfa-34391	180	18	and	and	CCONJ
cjfa-34391	180	19	latent	latent	NOUN
cjfa-34391	180	20	variables	variable	NOUN
cjfa-34391	180	21	.	.	PUNCT
cjfa-34391	181	1	the	the	DET
cjfa-34391	181	2	measurement	measurement	NOUN
cjfa-34391	181	3	model	model	NOUN
cjfa-34391	181	4	is	be	AUX
cjfa-34391	181	5	given	give	VERB
cjfa-34391	181	6	by	by	ADP
cjfa-34391	181	7	equation	equation	NOUN
cjfa-34391	181	8	1	1	NUM
cjfa-34391	181	9	;	;	PUNCT
cjfa-34391	181	10	where	where	SCONJ
cjfa-34391	181	11	,	,	PUNCT
cjfa-34391	181	12	the	the	DET
cjfa-34391	181	13	x	x	X
cjfa-34391	181	14	and	and	CCONJ
cjfa-34391	181	15	y	y	PROPN
cjfa-34391	181	16	symbols	symbol	NOUN
cjfa-34391	181	17	are	be	AUX
cjfa-34391	181	18	observed	observed	ADJ
cjfa-34391	181	19	indicators	indicator	NOUN
cjfa-34391	181	20	for	for	ADP
cjfa-34391	181	21	latent	latent	NOUN
cjfa-34391	181	22	variables	variable	NOUN
cjfa-34391	181	23	,	,	PUNCT
cjfa-34391	181	24	the	the	DET
cjfa-34391	181	25	ξ	ξ	PROPN
cjfa-34391	181	26	and	and	CCONJ
cjfa-34391	181	27	η	η	PROPN
cjfa-34391	181	28	symbols	symbol	NOUN
cjfa-34391	181	29	are	be	AUX
cjfa-34391	181	30	latent	latent	ADJ
cjfa-34391	181	31	variables	variable	NOUN
cjfa-34391	181	32	,	,	PUNCT
cjfa-34391	181	33	the	the	DET
cjfa-34391	181	34	λ	λ	PROPN
cjfa-34391	181	35	symbols	symbol	NOUN
cjfa-34391	181	36	are	be	AUX
cjfa-34391	181	37	factor	factor	NOUN
cjfa-34391	181	38	loadings	loading	NOUN
cjfa-34391	181	39	,	,	PUNCT
cjfa-34391	181	40	and	and	CCONJ
cjfa-34391	181	41	the	the	DET
cjfa-34391	181	42	ε	ε	PROPN
cjfa-34391	181	43	and	and	CCONJ
cjfa-34391	181	44	δ	δ	PROPN
cjfa-34391	181	45	symbols	symbol	NOUN
cjfa-34391	181	46	are	be	AUX
cjfa-34391	181	47	the	the	DET
cjfa-34391	181	48	error	error	NOUN
cjfa-34391	181	49	,	,	PUNCT
cjfa-34391	181	50	or	or	CCONJ
cjfa-34391	181	51	disturbance	disturbance	NOUN
cjfa-34391	181	52	terms	term	NOUN
cjfa-34391	181	53	.	.	PUNCT
cjfa-34391	182	1	𝑥𝑥	𝑥𝑥	ADP
cjfa-34391	182	2	�	�	PROPN
cjfa-34391	182	3	=	=	SYM
cjfa-34391	182	4	𝜆𝜆	𝜆𝜆	PROPN
cjfa-34391	182	5	�	�	PROPN
cjfa-34391	182	6	ξ	ξ	PROPN
cjfa-34391	182	7	�	�	PROPN
cjfa-34391	182	8	+	+	CCONJ
cjfa-34391	182	9	𝛿𝛿	𝛿𝛿	PROPN
cjfa-34391	182	10	�	�	PROPN
cjfa-34391	182	11	𝑦𝑦	𝑦𝑦	PROPN
cjfa-34391	182	12	�	�	PROPN
cjfa-34391	182	13	=	=	SYM
cjfa-34391	182	14	𝜆𝜆	𝜆𝜆	NOUN
cjfa-34391	182	15	�	�	PROPN
cjfa-34391	182	16	𝜂𝜂	𝜂𝜂	NOUN
cjfa-34391	182	17	�	�	PROPN
cjfa-34391	182	18	+	+	CCONJ
cjfa-34391	182	19	𝜀𝜀	𝜀𝜀	PRON
cjfa-34391	182	20	�	�	PROPN
cjfa-34391	182	21	𝑥𝑥	𝑥𝑥	ADP
cjfa-34391	182	22	�	�	PROPN
cjfa-34391	182	23	=	=	SYM
cjfa-34391	182	24	𝜆𝜆	𝜆𝜆	PROPN
cjfa-34391	182	25	�	�	PROPN
cjfa-34391	182	26	ξ	ξ	PROPN
cjfa-34391	182	27	�	�	PROPN
cjfa-34391	182	28	+	+	CCONJ
cjfa-34391	182	29	𝛿𝛿	𝛿𝛿	PROPN
cjfa-34391	182	30	�	�	PROPN
cjfa-34391	182	31	𝑦𝑦	𝑦𝑦	PROPN
cjfa-34391	182	32	�	�	PROPN
cjfa-34391	182	33	=	=	SYM
cjfa-34391	182	34	𝜆𝜆	𝜆𝜆	NOUN
cjfa-34391	182	35	�	�	PROPN
cjfa-34391	182	36	𝜂𝜂	𝜂𝜂	NOUN
cjfa-34391	182	37	�	�	PROPN
cjfa-34391	182	38	+	+	CCONJ
cjfa-34391	182	39	𝜀𝜀	𝜀𝜀	PRON
cjfa-34391	182	40	�	�	PROPN
cjfa-34391	182	41	𝑥𝑥	𝑥𝑥	ADP
cjfa-34391	182	42	�	�	PROPN
cjfa-34391	182	43	=	=	SYM
cjfa-34391	182	44	𝜆𝜆	𝜆𝜆	PROPN
cjfa-34391	182	45	�	�	PROPN
cjfa-34391	182	46	ξ	ξ	PROPN
cjfa-34391	182	47	�	�	PROPN
cjfa-34391	182	48	+	+	CCONJ
cjfa-34391	182	49	𝛿𝛿	𝛿𝛿	PROPN
cjfa-34391	182	50	�	�	PROPN
cjfa-34391	182	51	𝑦𝑦	𝑦𝑦	PROPN
cjfa-34391	182	52	�	�	PROPN
cjfa-34391	182	53	=	=	SYM
cjfa-34391	182	54	𝜆𝜆	𝜆𝜆	NOUN
cjfa-34391	182	55	�	�	PROPN
cjfa-34391	182	56	𝜂𝜂	𝜂𝜂	NOUN
cjfa-34391	182	57	�	�	PROPN
cjfa-34391	182	58	+	+	CCONJ
cjfa-34391	182	59	𝜀𝜀	𝜀𝜀	PROPN
cjfa-34391	182	60	�	�	PROPN
cjfa-34391	182	61	(	(	PUNCT
cjfa-34391	182	62	1	1	NUM
cjfa-34391	182	63	)	)	PUNCT
cjfa-34391	182	64	the	the	DET
cjfa-34391	182	65	second	second	ADJ
cjfa-34391	182	66	model	model	NOUN
cjfa-34391	182	67	in	in	ADP
cjfa-34391	182	68	sem	sem	PROPN
cjfa-34391	182	69	is	be	AUX
cjfa-34391	182	70	the	the	DET
cjfa-34391	182	71	structural	structural	ADJ
cjfa-34391	182	72	model	model	NOUN
cjfa-34391	182	73	that	that	PRON
cjfa-34391	182	74	develops	develop	VERB
cjfa-34391	182	75	the	the	DET
cjfa-34391	182	76	relationships	relationship	NOUN
cjfa-34391	182	77	between	between	ADP
cjfa-34391	182	78	the	the	DET
cjfa-34391	182	79	latent	latent	NOUN
cjfa-34391	182	80	variables	variable	NOUN
cjfa-34391	182	81	based	base	VERB
cjfa-34391	182	82	on	on	ADP
cjfa-34391	182	83	the	the	DET
cjfa-34391	182	84	endogenous	endogenous	ADJ
cjfa-34391	182	85	and	and	CCONJ
cjfa-34391	182	86	exogenous	exogenous	ADJ
cjfa-34391	182	87	variables	variable	NOUN
cjfa-34391	182	88	.	.	PUNCT
cjfa-34391	183	1	the	the	DET
cjfa-34391	183	2	structural	structural	ADJ
cjfa-34391	183	3	model	model	NOUN
cjfa-34391	183	4	is	be	AUX
cjfa-34391	183	5	then	then	ADV
cjfa-34391	183	6	described	describe	VERB
cjfa-34391	183	7	by	by	ADP
cjfa-34391	183	8	equation	equation	NOUN
cjfa-34391	183	9	2	2	NUM
cjfa-34391	183	10	;	;	PUNCT
cjfa-34391	183	11	where	where	SCONJ
cjfa-34391	183	12	,	,	PUNCT
cjfa-34391	183	13	the	the	DET
cjfa-34391	183	14	γ	γ	NOUN
cjfa-34391	183	15	and	and	CCONJ
cjfa-34391	183	16	β	β	PROPN
cjfa-34391	183	17	terms	term	NOUN
cjfa-34391	183	18	are	be	AUX
cjfa-34391	183	19	factor	factor	NOUN
cjfa-34391	183	20	loadings	loading	NOUN
cjfa-34391	183	21	for	for	ADP
cjfa-34391	183	22	the	the	DET
cjfa-34391	183	23	latent	latent	NOUN
cjfa-34391	183	24	variables	variable	NOUN
cjfa-34391	183	25	,	,	PUNCT
cjfa-34391	183	26	and	and	CCONJ
cjfa-34391	183	27	ξ	ξ	PROPN
cjfa-34391	183	28	and	and	CCONJ
cjfa-34391	183	29	ζ	ζ	NOUN
cjfa-34391	183	30	are	be	AUX
cjfa-34391	183	31	error	error	NOUN
cjfa-34391	183	32	terms	term	NOUN
cjfa-34391	183	33	.	.	PUNCT
cjfa-34391	184	1	the	the	DET
cjfa-34391	184	2	structural	structural	ADJ
cjfa-34391	184	3	model	model	NOUN
cjfa-34391	184	4	can	can	AUX
cjfa-34391	184	5	then	then	ADV
cjfa-34391	184	6	evaluate	evaluate	VERB
cjfa-34391	184	7	potential	potential	ADJ
cjfa-34391	184	8	causal	causal	ADJ
cjfa-34391	184	9	relationships	relationship	NOUN
cjfa-34391	184	10	between	between	ADP
cjfa-34391	184	11	the	the	DET
cjfa-34391	184	12	endogenous	endogenous	ADJ
cjfa-34391	184	13	and	and	CCONJ
cjfa-34391	184	14	exogenous	exogenous	ADJ
cjfa-34391	184	15	variables	variable	NOUN
cjfa-34391	184	16	.	.	PUNCT
cjfa-34391	185	1	𝜂𝜂	𝜂𝜂	ADP
cjfa-34391	185	2	�	�	PROPN
cjfa-34391	185	3	=	=	SYM
cjfa-34391	185	4	𝛾𝛾	𝛾𝛾	PROPN
cjfa-34391	185	5	�	�	PROPN
cjfa-34391	185	6	�	�	PROPN
cjfa-34391	185	7	𝜉𝜉	𝜉𝜉	NOUN
cjfa-34391	185	8	�	�	PROPN
cjfa-34391	185	9	+	+	CCONJ
cjfa-34391	185	10	𝜁𝜁	𝜁𝜁	PROPN
cjfa-34391	185	11	�	�	PROPN
cjfa-34391	185	12	𝜂𝜂	𝜂𝜂	NOUN
cjfa-34391	185	13	�	�	PROPN
cjfa-34391	185	14	=	=	PUNCT
cjfa-34391	185	15	β	β	SYM
cjfa-34391	185	16	�	�	PROPN
cjfa-34391	185	17	�	�	PROPN
cjfa-34391	185	18	𝜉𝜉	𝜉𝜉	NOUN
cjfa-34391	185	19	�	�	PROPN
cjfa-34391	185	20	+	+	CCONJ
cjfa-34391	185	21	𝜁𝜁	𝜁𝜁	PROPN
cjfa-34391	185	22	�	�	PROPN
cjfa-34391	185	23	(	(	PUNCT
cjfa-34391	185	24	2	2	NUM
cjfa-34391	185	25	)	)	PUNCT
cjfa-34391	185	26	the	the	DET
cjfa-34391	185	27	systems	system	NOUN
cjfa-34391	185	28	of	of	ADP
cjfa-34391	185	29	equations	equation	NOUN
cjfa-34391	185	30	in	in	ADP
cjfa-34391	185	31	sem	sem	PROPN
cjfa-34391	185	32	are	be	AUX
cjfa-34391	185	33	fitted	fit	VERB
cjfa-34391	185	34	to	to	ADP
cjfa-34391	185	35	the	the	DET
cjfa-34391	185	36	data	datum	NOUN
cjfa-34391	185	37	using	use	VERB
cjfa-34391	185	38	the	the	DET
cjfa-34391	185	39	maximum	maximum	ADJ
cjfa-34391	185	40	likelihood	likelihood	NOUN
cjfa-34391	185	41	estimation	estimation	NOUN
cjfa-34391	185	42	fitting	fitting	ADJ
cjfa-34391	185	43	functions	function	NOUN
cjfa-34391	185	44	assuming	assume	VERB
cjfa-34391	185	45	that	that	SCONJ
cjfa-34391	185	46	the	the	DET
cjfa-34391	185	47	data	datum	NOUN
cjfa-34391	185	48	are	be	AUX
cjfa-34391	185	49	normally	normally	ADV
cjfa-34391	185	50	distributed	distribute	VERB
cjfa-34391	185	51	and	and	CCONJ
cjfa-34391	185	52	the	the	DET
cjfa-34391	185	53	observations	observation	NOUN
cjfa-34391	185	54	are	be	AUX
cjfa-34391	185	55	independent	independent	ADJ
cjfa-34391	185	56	.	.	PUNCT
cjfa-34391	186	1	hancock	hancock	PROPN
cjfa-34391	186	2	(	(	PUNCT
cjfa-34391	186	3	2003	2003	NUM
cjfa-34391	186	4	)	)	PUNCT
cjfa-34391	186	5	notes	note	VERB
cjfa-34391	186	6	that	that	SCONJ
cjfa-34391	186	7	the	the	DET
cjfa-34391	186	8	use	use	NOUN
cjfa-34391	186	9	of	of	ADP
cjfa-34391	186	10	sem	sem	NOUN
cjfa-34391	186	11	is	be	AUX
cjfa-34391	186	12	commonly	commonly	ADV
cjfa-34391	186	13	justified	justify	VERB
cjfa-34391	186	14	in	in	ADP
cjfa-34391	186	15	the	the	DET
cjfa-34391	186	16	social	social	ADJ
cjfa-34391	186	17	sciences	science	NOUN
cjfa-34391	186	18	because	because	SCONJ
cjfa-34391	186	19	of	of	ADP
cjfa-34391	186	20	its	its	PRON
cjfa-34391	186	21	ability	ability	NOUN
cjfa-34391	186	22	to	to	PART
cjfa-34391	186	23	impute	impute	VERB
cjfa-34391	186	24	relationships	relationship	NOUN
cjfa-34391	186	25	between	between	ADP
cjfa-34391	186	26	unobserved	unobserved	ADJ
cjfa-34391	186	27	constructs	construct	NOUN
cjfa-34391	186	28	(	(	PUNCT
cjfa-34391	186	29	latent	latent	NOUN
cjfa-34391	186	30	variables	variable	NOUN
cjfa-34391	186	31	)	)	PUNCT
cjfa-34391	186	32	from	from	ADP
cjfa-34391	186	33	observable	observable	ADJ
cjfa-34391	186	34	variables	variable	NOUN
cjfa-34391	186	35	.	.	PUNCT
cjfa-34391	187	1	(	(	PUNCT
cjfa-34391	187	2	2	2	X
cjfa-34391	187	3	)	)	PUNCT
cjfa-34391	187	4	the	the	DET
cjfa-34391	187	5	systems	system	NOUN
cjfa-34391	187	6	of	of	ADP
cjfa-34391	187	7	equations	equation	NOUN
cjfa-34391	187	8	in	in	ADP
cjfa-34391	187	9	sem	sem	PROPN
cjfa-34391	187	10	are	be	AUX
cjfa-34391	187	11	fitted	fit	VERB
cjfa-34391	187	12	to	to	ADP
cjfa-34391	187	13	the	the	DET
cjfa-34391	187	14	data	datum	NOUN
cjfa-34391	187	15	using	use	VERB
cjfa-34391	187	16	the	the	DET
cjfa-34391	187	17	maximum	maximum	ADJ
cjfa-34391	187	18	likelihood	likelihood	NOUN
cjfa-34391	187	19	estimation	estimation	NOUN
cjfa-34391	187	20	fitting	fitting	ADJ
cjfa-34391	187	21	functions	function	NOUN
cjfa-34391	187	22	assuming	assume	VERB
cjfa-34391	187	23	that	that	SCONJ
cjfa-34391	187	24	the	the	DET
cjfa-34391	187	25	data	datum	NOUN
cjfa-34391	187	26	are	be	AUX
cjfa-34391	187	27	normally	normally	ADV
cjfa-34391	187	28	distributed	distribute	VERB
cjfa-34391	187	29	and	and	CCONJ
cjfa-34391	187	30	the	the	DET
cjfa-34391	187	31	observations	observation	NOUN
cjfa-34391	187	32	are	be	AUX
cjfa-34391	187	33	independent	independent	ADJ
cjfa-34391	187	34	.	.	PUNCT
cjfa-34391	188	1	hancock	hancock	PROPN
cjfa-34391	188	2	(	(	PUNCT
cjfa-34391	188	3	2003	2003	NUM
cjfa-34391	188	4	)	)	PUNCT
cjfa-34391	188	5	notes	note	VERB
cjfa-34391	188	6	that	that	SCONJ
cjfa-34391	188	7	the	the	DET
cjfa-34391	188	8	use	use	NOUN
cjfa-34391	188	9	of	of	ADP
cjfa-34391	188	10	sem	sem	NOUN
cjfa-34391	188	11	is	be	AUX
cjfa-34391	188	12	commonly	commonly	ADV
cjfa-34391	188	13	justified	justify	VERB
cjfa-34391	188	14	in	in	ADP
cjfa-34391	188	15	the	the	DET
cjfa-34391	188	16	social	social	ADJ
cjfa-34391	188	17	sciences	science	NOUN
cjfa-34391	188	18	because	because	SCONJ
cjfa-34391	188	19	of	of	ADP
cjfa-34391	188	20	its	its	PRON
cjfa-34391	188	21	ability	ability	NOUN
cjfa-34391	188	22	to	to	PART
cjfa-34391	188	23	impute	impute	VERB
cjfa-34391	188	24	relationships	relationship	NOUN
cjfa-34391	188	25	between	between	ADP
cjfa-34391	188	26	unobserved	unobserved	ADJ
cjfa-34391	188	27	constructs	construct	NOUN
cjfa-34391	188	28	(	(	PUNCT
cjfa-34391	188	29	latent	latent	NOUN
cjfa-34391	188	30	variables	variable	NOUN
cjfa-34391	188	31	)	)	PUNCT
cjfa-34391	188	32	from	from	ADP
cjfa-34391	188	33	observable	observable	ADJ
cjfa-34391	188	34	variables	variable	NOUN
cjfa-34391	188	35	.	.	PUNCT
cjfa-34391	189	1	results	result	NOUN
cjfa-34391	189	2	and	and	CCONJ
cjfa-34391	189	3	conclusions	conclusion	NOUN
cjfa-34391	189	4	of	of	ADP
cjfa-34391	189	5	the	the	DET
cjfa-34391	189	6	research	research	NOUN
cjfa-34391	189	7	process	process	NOUN
cjfa-34391	189	8	this	this	DET
cjfa-34391	189	9	section	section	NOUN
cjfa-34391	189	10	presents	present	VERB
cjfa-34391	189	11	the	the	DET
cjfa-34391	189	12	results	result	NOUN
cjfa-34391	189	13	and	and	CCONJ
cjfa-34391	189	14	discussion	discussion	NOUN
cjfa-34391	189	15	of	of	ADP
cjfa-34391	189	16	the	the	DET
cjfa-34391	189	17	qualitative	qualitative	ADJ
cjfa-34391	189	18	and	and	CCONJ
cjfa-34391	189	19	quantitative	quantitative	ADJ
cjfa-34391	189	20	analyses	analysis	NOUN
cjfa-34391	189	21	of	of	ADP
cjfa-34391	189	22	data	datum	NOUN
cjfa-34391	189	23	primarily	primarily	ADV
cjfa-34391	189	24	collected	collect	VERB
cjfa-34391	189	25	for	for	ADP
cjfa-34391	189	26	modelling	model	VERB
cjfa-34391	189	27	the	the	DET
cjfa-34391	189	28	dynamic	dynamic	ADJ
cjfa-34391	189	29	complexity	complexity	NOUN
cjfa-34391	189	30	of	of	ADP
cjfa-34391	189	31	a	a	DET
cjfa-34391	189	32	digital	digital	ADJ
cjfa-34391	189	33	financial	financial	ADJ
cjfa-34391	189	34	ecosystem	ecosystem	NOUN
cjfa-34391	189	35	and	and	CCONJ
cjfa-34391	189	36	the	the	DET
cjfa-34391	189	37	co	co	ADJ
cjfa-34391	189	38	-	-	ADJ
cjfa-34391	189	39	evolutionary	evolutionary	ADJ
cjfa-34391	189	40	dynamics	dynamic	NOUN
cjfa-34391	189	41	of	of	ADP
cjfa-34391	189	42	financial	financial	ADJ
cjfa-34391	189	43	inclusion	inclusion	NOUN
cjfa-34391	189	44	of	of	ADP
cjfa-34391	189	45	generation	generation	NOUN
cjfa-34391	189	46	z	z	NOUN
cjfa-34391	189	47	within	within	ADP
cjfa-34391	189	48	the	the	DET
cjfa-34391	189	49	digital	digital	ADJ
cjfa-34391	189	50	financial	financial	ADJ
cjfa-34391	189	51	ecosystem	ecosystem	NOUN
cjfa-34391	189	52	.	.	PUNCT
cjfa-34391	190	1	dynamic	dynamic	ADJ
cjfa-34391	190	2	complexity	complexity	NOUN
cjfa-34391	190	3	of	of	ADP
cjfa-34391	190	4	the	the	DET
cjfa-34391	190	5	digital	digital	ADJ
cjfa-34391	190	6	financial	financial	PROPN
cjfa-34391	190	7	ecosystem	ecosystem	NOUN
cjfa-34391	190	8	the	the	DET
cjfa-34391	190	9	first	first	ADJ
cjfa-34391	190	10	objective	objective	NOUN
cjfa-34391	190	11	of	of	ADP
cjfa-34391	190	12	the	the	DET
cjfa-34391	190	13	paper	paper	NOUN
cjfa-34391	190	14	was	be	AUX
cjfa-34391	190	15	to	to	PART
cjfa-34391	190	16	characterise	characterise	VERB
cjfa-34391	190	17	the	the	DET
cjfa-34391	190	18	dynamic	dynamic	ADJ
cjfa-34391	190	19	complexity	complexity	NOUN
cjfa-34391	190	20	of	of	ADP
cjfa-34391	190	21	a	a	DET
cjfa-34391	190	22	digital	digital	ADJ
cjfa-34391	190	23	financial	financial	ADJ
cjfa-34391	190	24	ecosystem	ecosystem	NOUN
cjfa-34391	190	25	for	for	ADP
cjfa-34391	190	26	subsequent	subsequent	ADJ
cjfa-34391	190	27	visual	visual	ADJ
cjfa-34391	190	28	quantification	quantification	NOUN
cjfa-34391	190	29	of	of	ADP
cjfa-34391	190	30	the	the	DET
cjfa-34391	190	31	co	co	ADJ
cjfa-34391	190	32	-	-	ADJ
cjfa-34391	190	33	evolutionary	evolutionary	ADJ
cjfa-34391	190	34	dynamics	dynamic	NOUN
cjfa-34391	190	35	of	of	ADP
cjfa-34391	190	36	financial	financial	ADJ
cjfa-34391	190	37	inclusion	inclusion	NOUN
cjfa-34391	190	38	of	of	ADP
cjfa-34391	190	39	generation	generation	NOUN
cjfa-34391	190	40	z	z	NOUN
cjfa-34391	190	41	in	in	ADP
cjfa-34391	190	42	the	the	DET
cjfa-34391	190	43	digital	digital	ADJ
cjfa-34391	190	44	financial	financial	ADJ
cjfa-34391	190	45	ecosystem	ecosystem	NOUN
cjfa-34391	190	46	set	set	VERB
cjfa-34391	190	47	within	within	ADP
cjfa-34391	190	48	sub	sub	ADJ
cjfa-34391	190	49	-	-	ADJ
cjfa-34391	190	50	saharan	saharan	ADJ
cjfa-34391	190	51	africa	africa	PROPN
cjfa-34391	190	52	.	.	PUNCT
cjfa-34391	191	1	this	this	PRON
cjfa-34391	191	2	necessitated	necessitate	VERB
cjfa-34391	191	3	the	the	DET
cjfa-34391	191	4	use	use	NOUN
cjfa-34391	191	5	of	of	ADP
cjfa-34391	191	6	structured	structured	ADJ
cjfa-34391	191	7	observation	observation	NOUN
cjfa-34391	191	8	of	of	ADP
cjfa-34391	191	9	the	the	DET
cjfa-34391	191	10	complex	complex	ADJ
cjfa-34391	191	11	behaviour	behaviour	NOUN
cjfa-34391	191	12	of	of	ADP
cjfa-34391	191	13	the	the	DET
cjfa-34391	191	14	agents	agent	NOUN
cjfa-34391	191	15	of	of	ADP
cjfa-34391	191	16	the	the	DET
cjfa-34391	191	17	digital	digital	ADJ
cjfa-34391	191	18	finan	finan	PROPN
cjfa-34391	191	19	co	co	ADJ
cjfa-34391	191	20	-	-	ADJ
cjfa-34391	191	21	evolutionary	evolutionary	ADJ
cjfa-34391	191	22	dynamics	dynamic	NOUN
cjfa-34391	191	23	of	of	ADP
cjfa-34391	191	24	financial	financial	ADJ
cjfa-34391	191	25	inclusion	inclusion	NOUN
cjfa-34391	191	26	of	of	ADP
cjfa-34391	191	27	generation	generation	NOUN
cjfa-34391	191	28	z	z	PROPN
cjfa-34391	191	29	…	…	SYM
cjfa-34391	191	30	41	41	NUM
cjfa-34391	191	31	cial	cial	ADJ
cjfa-34391	191	32	ecosystem	ecosystem	NOUN
cjfa-34391	191	33	.	.	PUNCT
cjfa-34391	192	1	thematic	thematic	ADJ
cjfa-34391	192	2	analysis	analysis	NOUN
cjfa-34391	192	3	based	base	VERB
cjfa-34391	192	4	on	on	ADP
cjfa-34391	192	5	deductive	deductive	ADJ
cjfa-34391	192	6	logic	logic	NOUN
cjfa-34391	192	7	resulted	result	VERB
cjfa-34391	192	8	in	in	ADP
cjfa-34391	192	9	results	result	NOUN
cjfa-34391	192	10	depicted	depict	VERB
cjfa-34391	192	11	in	in	ADP
cjfa-34391	192	12	table	table	NOUN
cjfa-34391	192	13	2	2	NUM
cjfa-34391	192	14	.	.	PUNCT
cjfa-34391	192	15	table	table	NOUN
cjfa-34391	192	16	2	2	NUM
cjfa-34391	192	17	.	.	PUNCT
cjfa-34391	192	18	thematic	thematic	ADJ
cjfa-34391	192	19	analysis	analysis	NOUN
cjfa-34391	192	20	of	of	ADP
cjfa-34391	192	21	the	the	DET
cjfa-34391	192	22	dynamic	dynamic	ADJ
cjfa-34391	192	23	complexity	complexity	NOUN
cjfa-34391	192	24	of	of	ADP
cjfa-34391	192	25	a	a	DET
cjfa-34391	192	26	digital	digital	ADJ
cjfa-34391	192	27	financial	financial	ADJ
cjfa-34391	192	28	ecosystem	ecosystem	NOUN
cjfa-34391	192	29	agents	agent	NOUN
cjfa-34391	192	30	coded	code	VERB
cjfa-34391	192	31	thematic	thematic	ADJ
cjfa-34391	192	32	areas	area	NOUN
cjfa-34391	192	33	interactions	interaction	NOUN
cjfa-34391	192	34	feedback	feedback	VERB
cjfa-34391	192	35	emergent	emergent	NOUN
cjfa-34391	192	36	behaviour	behaviour	NOUN
cjfa-34391	193	1	1	1	X
cjfa-34391	193	2	.	.	PUNCT
cjfa-34391	194	1	generation	generation	NOUN
cjfa-34391	194	2	z	z	NOUN
cjfa-34391	194	3	on	on	ADP
cjfa-34391	194	4	the	the	DET
cjfa-34391	194	5	demand	demand	NOUN
cjfa-34391	194	6	-	-	PUNCT
cjfa-34391	194	7	side	side	NOUN
cjfa-34391	194	8	ecosystem	ecosystem	NOUN
cjfa-34391	194	9	–	–	PUNCT
cjfa-34391	194	10	financial	financial	ADJ
cjfa-34391	194	11	capability	capability	NOUN
cjfa-34391	194	12	–	–	PUNCT
cjfa-34391	194	13	financial	financial	ADJ
cjfa-34391	194	14	literacy	literacy	NOUN
cjfa-34391	194	15	–	–	PUNCT
cjfa-34391	194	16	knowledge	knowledge	NOUN
cjfa-34391	194	17	of	of	ADP
cjfa-34391	194	18	financial	financial	ADJ
cjfa-34391	194	19	products	product	NOUN
cjfa-34391	194	20	–	–	PUNCT
cjfa-34391	194	21	financial	financial	ADJ
cjfa-34391	194	22	attitudes	attitude	NOUN
cjfa-34391	194	23	and	and	CCONJ
cjfa-34391	194	24	behaviours	behaviour	NOUN
cjfa-34391	194	25	–	–	PUNCT
cjfa-34391	194	26	consumer	consumer	NOUN
cjfa-34391	194	27	demand	demand	NOUN
cjfa-34391	194	28	for	for	ADP
cjfa-34391	194	29	digital	digital	ADJ
cjfa-34391	194	30	financial	financial	ADJ
cjfa-34391	194	31	services	service	NOUN
cjfa-34391	194	32	–	–	PUNCT
cjfa-34391	194	33	trust	trust	NOUN
cjfa-34391	194	34	and	and	CCONJ
cjfa-34391	194	35	cyber	cyber	NOUN
cjfa-34391	194	36	-	-	PUNCT
cjfa-34391	194	37	security	security	NOUN
cjfa-34391	194	38	concerns	concern	NOUN
cjfa-34391	194	39	–	–	PUNCT
cjfa-34391	194	40	adoptive	adoptive	ADJ
cjfa-34391	194	41	response	response	NOUN
cjfa-34391	194	42	to	to	ADP
cjfa-34391	194	43	digital	digital	ADJ
cjfa-34391	194	44	financial	financial	ADJ
cjfa-34391	194	45	services	service	NOUN
cjfa-34391	194	46	delivery	delivery	NOUN
cjfa-34391	194	47	–	–	PUNCT
cjfa-34391	194	48	bidding	bidding	NOUN
cjfa-34391	194	49	strategies	strategy	NOUN
cjfa-34391	194	50	–	–	PUNCT
cjfa-34391	194	51	holding	hold	VERB
cjfa-34391	194	52	mobile	mobile	ADJ
cjfa-34391	194	53	money	money	NOUN
cjfa-34391	194	54	accounts	account	VERB
cjfa-34391	194	55	–	–	PUNCT
cjfa-34391	194	56	engagement	engagement	NOUN
cjfa-34391	194	57	in	in	ADP
cjfa-34391	194	58	agency	agency	NOUN
cjfa-34391	194	59	banking	banking	NOUN
cjfa-34391	194	60	–	–	PUNCT
cjfa-34391	194	61	digital	digital	ADJ
cjfa-34391	194	62	consumerism	consumerism	NOUN
cjfa-34391	194	63	–	–	PUNCT
cjfa-34391	194	64	ownership	ownership	NOUN
cjfa-34391	194	65	of	of	ADP
cjfa-34391	194	66	a	a	DET
cjfa-34391	194	67	mobile	mobile	ADJ
cjfa-34391	194	68	phone	phone	NOUN
cjfa-34391	194	69	–	–	PUNCT
cjfa-34391	194	70	social	social	ADJ
cjfa-34391	194	71	networking	networking	NOUN
cjfa-34391	194	72	with	with	ADP
cjfa-34391	194	73	family	family	NOUN
cjfa-34391	194	74	and	and	CCONJ
cjfa-34391	194	75	friends	friend	NOUN
cjfa-34391	194	76	2	2	NUM
cjfa-34391	194	77	.	.	PUNCT
cjfa-34391	195	1	zanaco	zanaco	PROPN
cjfa-34391	195	2	bank	bank	PROPN
cjfa-34391	195	3	on	on	ADP
cjfa-34391	195	4	the	the	DET
cjfa-34391	195	5	supply	supply	NOUN
cjfa-34391	195	6	-	-	PUNCT
cjfa-34391	195	7	side	side	NOUN
cjfa-34391	195	8	ecosystem	ecosystem	NOUN
cjfa-34391	195	9	–	–	PUNCT
cjfa-34391	195	10	financial	financial	ADJ
cjfa-34391	195	11	products	product	NOUN
cjfa-34391	195	12	outlay	outlay	NOUN
cjfa-34391	195	13	–	–	PUNCT
cjfa-34391	195	14	affordability	affordability	NOUN
cjfa-34391	195	15	–	–	PUNCT
cjfa-34391	195	16	accessibility	accessibility	NOUN
cjfa-34391	195	17	–	–	PUNCT
cjfa-34391	195	18	profit	profit	NOUN
cjfa-34391	195	19	maximisation	maximisation	NOUN
cjfa-34391	195	20	–	–	PUNCT
cjfa-34391	195	21	customer	customer	NOUN
cjfa-34391	195	22	-	-	PUNCT
cjfa-34391	195	23	centralism	centralism	NOUN
cjfa-34391	195	24	–	–	PUNCT
cjfa-34391	195	25	consumer	consumer	NOUN
cjfa-34391	195	26	protection	protection	NOUN
cjfa-34391	195	27	–	–	PUNCT
cjfa-34391	195	28	building	build	VERB
cjfa-34391	195	29	consumer	consumer	NOUN
cjfa-34391	195	30	demand	demand	NOUN
cjfa-34391	195	31	for	for	ADP
cjfa-34391	195	32	digital	digital	ADJ
cjfa-34391	195	33	financial	financial	ADJ
cjfa-34391	195	34	inclusion	inclusion	NOUN
cjfa-34391	195	35	–	–	PUNCT
cjfa-34391	195	36	financial	financial	ADJ
cjfa-34391	195	37	technology	technology	NOUN
cjfa-34391	195	38	–	–	PUNCT
cjfa-34391	195	39	cash	cash	NOUN
cjfa-34391	195	40	-	-	PUNCT
cjfa-34391	195	41	in	in	ADP
cjfa-34391	195	42	/	/	SYM
cjfa-34391	195	43	cash	cash	NOUN
cjfa-34391	195	44	-	-	PUNCT
cjfa-34391	195	45	out	out	ADP
cjfa-34391	195	46	(	(	PUNCT
cjfa-34391	195	47	cico	cico	NOUN
cjfa-34391	195	48	)	)	PUNCT
cjfa-34391	195	49	networks	network	NOUN
cjfa-34391	195	50	–	–	PUNCT
cjfa-34391	195	51	multiple	multiple	ADJ
cjfa-34391	195	52	interconnected	interconnected	ADJ
cjfa-34391	195	53	payment	payment	NOUN
cjfa-34391	195	54	platforms	platform	NOUN
cjfa-34391	195	55	–	–	PUNCT
cjfa-34391	195	56	regulatory	regulatory	ADJ
cjfa-34391	195	57	framework	framework	NOUN
cjfa-34391	195	58	–	–	PUNCT
cjfa-34391	195	59	customer	customer	NOUN
cjfa-34391	195	60	identification	identification	NOUN
cjfa-34391	195	61	–	–	PUNCT
cjfa-34391	195	62	risk	risk	NOUN
cjfa-34391	195	63	management	management	NOUN
cjfa-34391	195	64	s	s	PART
cjfa-34391	195	65	o	o	NOUN
cjfa-34391	195	66	u	u	NOUN
cjfa-34391	195	67	r	r	NOUN
cjfa-34391	195	68	c	c	NOUN
cjfa-34391	195	69	e	e	NOUN
cjfa-34391	195	70	:	:	PUNCT
cjfa-34391	195	71	own	own	ADJ
cjfa-34391	195	72	study	study	NOUN
cjfa-34391	195	73	.	.	PUNCT
cjfa-34391	196	1	interactions	interaction	NOUN
cjfa-34391	196	2	in	in	ADP
cjfa-34391	196	3	all	all	DET
cjfa-34391	196	4	its	its	PRON
cjfa-34391	196	5	complexity	complexity	NOUN
cjfa-34391	196	6	,	,	PUNCT
cjfa-34391	196	7	a	a	DET
cjfa-34391	196	8	digital	digital	ADJ
cjfa-34391	196	9	financial	financial	ADJ
cjfa-34391	196	10	ecosystem	ecosystem	NOUN
cjfa-34391	196	11	is	be	AUX
cjfa-34391	196	12	characterised	characterise	VERB
cjfa-34391	196	13	by	by	ADP
cjfa-34391	196	14	the	the	DET
cjfa-34391	196	15	interactive	interactive	ADJ
cjfa-34391	196	16	behaviour	behaviour	NOUN
cjfa-34391	196	17	of	of	ADP
cjfa-34391	196	18	agents	agent	NOUN
cjfa-34391	196	19	represented	represent	VERB
cjfa-34391	196	20	by	by	ADP
cjfa-34391	196	21	generation	generation	NOUN
cjfa-34391	196	22	z	z	PROPN
cjfa-34391	196	23	on	on	ADP
cjfa-34391	196	24	the	the	DET
cjfa-34391	196	25	demand	demand	NOUN
cjfa-34391	196	26	-	-	PUNCT
cjfa-34391	196	27	side	side	NOUN
cjfa-34391	196	28	ecosystem	ecosystem	NOUN
cjfa-34391	196	29	,	,	PUNCT
cjfa-34391	196	30	and	and	CCONJ
cjfa-34391	196	31	by	by	ADP
cjfa-34391	196	32	zanaco	zanaco	PROPN
cjfa-34391	196	33	bank	bank	PROPN
cjfa-34391	196	34	on	on	ADP
cjfa-34391	196	35	the	the	DET
cjfa-34391	196	36	supply	supply	NOUN
cjfa-34391	196	37	-	-	PUNCT
cjfa-34391	196	38	side	side	NOUN
cjfa-34391	196	39	ecosystem	ecosystem	NOUN
cjfa-34391	196	40	.	.	PUNCT
cjfa-34391	197	1	the	the	DET
cjfa-34391	197	2	demandside	demandside	PROPN
cjfa-34391	197	3	ecosystem	ecosystem	NOUN
cjfa-34391	197	4	has	have	VERB
cjfa-34391	197	5	complex	complex	ADJ
cjfa-34391	197	6	interactions	interaction	NOUN
cjfa-34391	197	7	under	under	ADP
cjfa-34391	197	8	the	the	DET
cjfa-34391	197	9	coded	code	VERB
cjfa-34391	197	10	thematic	thematic	ADJ
cjfa-34391	197	11	areas	area	NOUN
cjfa-34391	197	12	of	of	ADP
cjfa-34391	197	13	financial	financial	ADJ
cjfa-34391	197	14	capability	capability	NOUN
cjfa-34391	197	15	,	,	PUNCT
cjfa-34391	197	16	bidding	bidding	NOUN
cjfa-34391	197	17	strategies	strategy	NOUN
cjfa-34391	197	18	and	and	CCONJ
cjfa-34391	197	19	digital	digital	ADJ
cjfa-34391	197	20	consumerism	consumerism	NOUN
cjfa-34391	197	21	.	.	PUNCT
cjfa-34391	198	1	access	access	NOUN
cjfa-34391	198	2	to	to	ADP
cjfa-34391	198	3	finandiana	finandiana	PROPN
cjfa-34391	198	4	kangwa	kangwa	PROPN
cjfa-34391	198	5	,	,	PUNCT
cjfa-34391	198	6	joseph	joseph	PROPN
cjfa-34391	198	7	thokozani	thokozani	PROPN
cjfa-34391	198	8	mwale	mwale	PROPN
cjfa-34391	198	9	,	,	PUNCT
cjfa-34391	198	10	junaid	junaid	VERB
cjfa-34391	198	11	m.	m.	PROPN
cjfa-34391	198	12	shaikh42	shaikh42	PROPN
cjfa-34391	198	13	cial	cial	PROPN
cjfa-34391	198	14	services	service	NOUN
cjfa-34391	198	15	is	be	AUX
cjfa-34391	198	16	shaped	shape	VERB
cjfa-34391	198	17	in	in	ADP
cjfa-34391	198	18	part	part	NOUN
cjfa-34391	198	19	by	by	ADP
cjfa-34391	198	20	the	the	DET
cjfa-34391	198	21	financial	financial	ADJ
cjfa-34391	198	22	capability	capability	NOUN
cjfa-34391	198	23	of	of	ADP
cjfa-34391	198	24	the	the	DET
cjfa-34391	198	25	clientele	clientele	NOUN
cjfa-34391	198	26	.	.	PUNCT
cjfa-34391	199	1	to	to	ADP
cjfa-34391	199	2	this	this	DET
cjfa-34391	199	3	effect	effect	NOUN
cjfa-34391	199	4	,	,	PUNCT
cjfa-34391	199	5	the	the	DET
cjfa-34391	199	6	consumer	consumer	NOUN
cjfa-34391	199	7	demand	demand	NOUN
cjfa-34391	199	8	for	for	ADP
cjfa-34391	199	9	financial	financial	ADJ
cjfa-34391	199	10	services	service	NOUN
cjfa-34391	199	11	depends	depend	VERB
cjfa-34391	199	12	on	on	ADP
cjfa-34391	199	13	financial	financial	ADJ
cjfa-34391	199	14	literacy	literacy	NOUN
cjfa-34391	199	15	,	,	PUNCT
cjfa-34391	199	16	knowledge	knowledge	NOUN
cjfa-34391	199	17	of	of	ADP
cjfa-34391	199	18	financial	financial	ADJ
cjfa-34391	199	19	products	product	NOUN
cjfa-34391	199	20	,	,	PUNCT
cjfa-34391	199	21	and	and	CCONJ
cjfa-34391	199	22	financial	financial	ADJ
cjfa-34391	199	23	attitudes	attitude	NOUN
cjfa-34391	199	24	and	and	CCONJ
cjfa-34391	199	25	behaviours	behaviour	NOUN
cjfa-34391	199	26	.	.	PUNCT
cjfa-34391	200	1	financial	financial	ADJ
cjfa-34391	200	2	capability	capability	NOUN
cjfa-34391	200	3	in	in	ADP
cjfa-34391	200	4	itself	itself	PRON
cjfa-34391	200	5	depends	depend	VERB
cjfa-34391	200	6	on	on	ADP
cjfa-34391	200	7	the	the	DET
cjfa-34391	200	8	socio	socio	NOUN
cjfa-34391	200	9	-	-	PUNCT
cjfa-34391	200	10	economic	economic	ADJ
cjfa-34391	200	11	status	status	NOUN
cjfa-34391	200	12	of	of	ADP
cjfa-34391	200	13	the	the	DET
cjfa-34391	200	14	clientele	clientele	NOUN
cjfa-34391	200	15	,	,	PUNCT
cjfa-34391	200	16	particularly	particularly	ADV
cjfa-34391	200	17	income	income	NOUN
cjfa-34391	200	18	status	status	NOUN
cjfa-34391	200	19	.	.	PUNCT
cjfa-34391	201	1	the	the	DET
cjfa-34391	201	2	bidding	bidding	NOUN
cjfa-34391	201	3	strategies	strategy	NOUN
cjfa-34391	201	4	of	of	ADP
cjfa-34391	201	5	generation	generation	NOUN
cjfa-34391	201	6	z	z	NOUN
cjfa-34391	201	7	include	include	VERB
cjfa-34391	201	8	holding	hold	VERB
cjfa-34391	201	9	mobile	mobile	ADJ
cjfa-34391	201	10	money	money	NOUN
cjfa-34391	201	11	accounts	account	NOUN
cjfa-34391	201	12	,	,	PUNCT
cjfa-34391	201	13	and	and	CCONJ
cjfa-34391	201	14	engaging	engage	VERB
cjfa-34391	201	15	in	in	ADP
cjfa-34391	201	16	agency	agency	NOUN
cjfa-34391	201	17	banking	banking	NOUN
cjfa-34391	201	18	.	.	PUNCT
cjfa-34391	202	1	these	these	DET
cjfa-34391	202	2	interactions	interaction	NOUN
cjfa-34391	202	3	tend	tend	VERB
cjfa-34391	202	4	to	to	PART
cjfa-34391	202	5	influence	influence	VERB
cjfa-34391	202	6	the	the	DET
cjfa-34391	202	7	adoptive	adoptive	ADJ
cjfa-34391	202	8	response	response	NOUN
cjfa-34391	202	9	to	to	ADP
cjfa-34391	202	10	financial	financial	ADJ
cjfa-34391	202	11	service	service	NOUN
cjfa-34391	202	12	delivery	delivery	NOUN
cjfa-34391	202	13	along	along	ADP
cjfa-34391	202	14	with	with	ADP
cjfa-34391	202	15	digital	digital	ADJ
cjfa-34391	202	16	consumerism	consumerism	NOUN
cjfa-34391	202	17	that	that	PRON
cjfa-34391	202	18	engenders	engender	VERB
cjfa-34391	202	19	ownership	ownership	NOUN
cjfa-34391	202	20	of	of	ADP
cjfa-34391	202	21	a	a	DET
cjfa-34391	202	22	mobile	mobile	ADJ
cjfa-34391	202	23	phone	phone	NOUN
cjfa-34391	202	24	,	,	PUNCT
cjfa-34391	202	25	and	and	CCONJ
cjfa-34391	202	26	social	social	ADJ
cjfa-34391	202	27	networking	networking	NOUN
cjfa-34391	202	28	with	with	ADP
cjfa-34391	202	29	family	family	NOUN
cjfa-34391	202	30	and	and	CCONJ
cjfa-34391	202	31	friends	friend	NOUN
cjfa-34391	202	32	.	.	PUNCT
cjfa-34391	203	1	the	the	DET
cjfa-34391	203	2	nature	nature	NOUN
cjfa-34391	203	3	of	of	ADP
cjfa-34391	203	4	interactions	interaction	NOUN
cjfa-34391	203	5	on	on	ADP
cjfa-34391	203	6	the	the	DET
cjfa-34391	203	7	supply	supply	NOUN
cjfa-34391	203	8	-	-	PUNCT
cjfa-34391	203	9	side	side	NOUN
cjfa-34391	203	10	ecosystem	ecosystem	NOUN
cjfa-34391	203	11	includes	include	VERB
cjfa-34391	203	12	the	the	DET
cjfa-34391	203	13	delivery	delivery	NOUN
cjfa-34391	203	14	of	of	ADP
cjfa-34391	203	15	financial	financial	ADJ
cjfa-34391	203	16	products	product	NOUN
cjfa-34391	203	17	and	and	CCONJ
cjfa-34391	203	18	services	service	NOUN
cjfa-34391	203	19	with	with	ADP
cjfa-34391	203	20	objectives	objective	NOUN
cjfa-34391	203	21	of	of	ADP
cjfa-34391	203	22	affordability	affordability	NOUN
cjfa-34391	203	23	,	,	PUNCT
cjfa-34391	203	24	accessibility	accessibility	NOUN
cjfa-34391	203	25	and	and	CCONJ
cjfa-34391	203	26	profit	profit	NOUN
cjfa-34391	203	27	maximisation	maximisation	NOUN
cjfa-34391	203	28	.	.	PUNCT
cjfa-34391	204	1	the	the	DET
cjfa-34391	204	2	financial	financial	ADJ
cjfa-34391	204	3	services	service	NOUN
cjfa-34391	204	4	are	be	AUX
cjfa-34391	204	5	delivered	deliver	VERB
cjfa-34391	204	6	via	via	ADP
cjfa-34391	204	7	financial	financial	ADJ
cjfa-34391	204	8	technology	technology	NOUN
cjfa-34391	204	9	platforms	platform	NOUN
cjfa-34391	204	10	with	with	ADP
cjfa-34391	204	11	cashin	cashin	PROPN
cjfa-34391	204	12	/	/	SYM
cjfa-34391	204	13	cash	cash	NOUN
cjfa-34391	204	14	-	-	PUNCT
cjfa-34391	204	15	out	out	ADP
cjfa-34391	204	16	networks	network	NOUN
cjfa-34391	204	17	and	and	CCONJ
cjfa-34391	204	18	multiple	multiple	ADJ
cjfa-34391	204	19	interconnected	interconnected	ADJ
cjfa-34391	204	20	payment	payment	NOUN
cjfa-34391	204	21	platforms	platform	NOUN
cjfa-34391	204	22	.	.	PUNCT
cjfa-34391	205	1	the	the	DET
cjfa-34391	205	2	financial	financial	ADJ
cjfa-34391	205	3	technology	technology	NOUN
cjfa-34391	205	4	frontier	frontier	NOUN
cjfa-34391	205	5	entails	entail	VERB
cjfa-34391	205	6	customer	customer	NOUN
cjfa-34391	205	7	identification	identification	NOUN
cjfa-34391	205	8	and	and	CCONJ
cjfa-34391	205	9	risk	risk	NOUN
cjfa-34391	205	10	management	management	NOUN
cjfa-34391	205	11	within	within	ADP
cjfa-34391	205	12	a	a	DET
cjfa-34391	205	13	regulatory	regulatory	ADJ
cjfa-34391	205	14	framework	framework	NOUN
cjfa-34391	205	15	.	.	PUNCT
cjfa-34391	206	1	feedback	feedback	NOUN
cjfa-34391	206	2	feedback	feedback	NOUN
cjfa-34391	206	3	is	be	AUX
cjfa-34391	206	4	another	another	DET
cjfa-34391	206	5	defining	define	VERB
cjfa-34391	206	6	feature	feature	NOUN
cjfa-34391	206	7	of	of	ADP
cjfa-34391	206	8	complex	complex	ADJ
cjfa-34391	206	9	systems	system	NOUN
cjfa-34391	206	10	on	on	ADP
cjfa-34391	206	11	account	account	NOUN
cjfa-34391	206	12	of	of	ADP
cjfa-34391	206	13	the	the	DET
cjfa-34391	206	14	continuous	continuous	ADJ
cjfa-34391	206	15	ability	ability	NOUN
cjfa-34391	206	16	of	of	ADP
cjfa-34391	206	17	the	the	DET
cjfa-34391	206	18	systems	system	NOUN
cjfa-34391	206	19	to	to	PART
cjfa-34391	206	20	change	change	VERB
cjfa-34391	206	21	,	,	PUNCT
cjfa-34391	206	22	adapt	adapt	VERB
cjfa-34391	206	23	and	and	CCONJ
cjfa-34391	206	24	re	re	VERB
cjfa-34391	206	25	-	-	VERB
cjfa-34391	206	26	organise	organise	ADJ
cjfa-34391	206	27	in	in	ADP
cjfa-34391	206	28	response	response	NOUN
cjfa-34391	206	29	to	to	ADP
cjfa-34391	206	30	their	their	PRON
cjfa-34391	206	31	environment	environment	NOUN
cjfa-34391	206	32	.	.	PUNCT
cjfa-34391	207	1	with	with	ADP
cjfa-34391	207	2	respect	respect	NOUN
cjfa-34391	207	3	to	to	ADP
cjfa-34391	207	4	the	the	DET
cjfa-34391	207	5	digital	digital	ADJ
cjfa-34391	207	6	financial	financial	ADJ
cjfa-34391	207	7	ecosystem	ecosystem	NOUN
cjfa-34391	207	8	under	under	ADP
cjfa-34391	207	9	this	this	DET
cjfa-34391	207	10	present	present	ADJ
cjfa-34391	207	11	study	study	NOUN
cjfa-34391	207	12	,	,	PUNCT
cjfa-34391	207	13	the	the	DET
cjfa-34391	207	14	feedback	feedback	NOUN
cjfa-34391	207	15	mechanism	mechanism	NOUN
cjfa-34391	207	16	is	be	AUX
cjfa-34391	207	17	characterised	characterise	VERB
cjfa-34391	207	18	by	by	ADP
cjfa-34391	207	19	consumer	consumer	NOUN
cjfa-34391	207	20	demand	demand	NOUN
cjfa-34391	207	21	for	for	ADP
cjfa-34391	207	22	digital	digital	ADJ
cjfa-34391	207	23	financial	financial	ADJ
cjfa-34391	207	24	services	service	NOUN
cjfa-34391	207	25	by	by	ADP
cjfa-34391	207	26	the	the	DET
cjfa-34391	207	27	clientele	clientele	NOUN
cjfa-34391	207	28	amidst	amidst	ADP
cjfa-34391	207	29	trust	trust	NOUN
cjfa-34391	207	30	and	and	CCONJ
cjfa-34391	207	31	cyber	cyber	NOUN
cjfa-34391	207	32	-	-	PUNCT
cjfa-34391	207	33	security	security	NOUN
cjfa-34391	207	34	concerns	concern	NOUN
cjfa-34391	207	35	.	.	PUNCT
cjfa-34391	208	1	trust	trust	NOUN
cjfa-34391	208	2	concerns	concern	NOUN
cjfa-34391	208	3	arise	arise	VERB
cjfa-34391	208	4	from	from	ADP
cjfa-34391	208	5	the	the	DET
cjfa-34391	208	6	customers	customer	NOUN
cjfa-34391	208	7	’	’	PART
cjfa-34391	208	8	susceptibility	susceptibility	NOUN
cjfa-34391	208	9	to	to	AUX
cjfa-34391	208	10	cyberthefts	cybertheft	NOUN
cjfa-34391	208	11	on	on	ADP
cjfa-34391	208	12	digital	digital	ADJ
cjfa-34391	208	13	payment	payment	NOUN
cjfa-34391	208	14	platforms	platform	NOUN
cjfa-34391	208	15	.	.	PUNCT
cjfa-34391	209	1	this	this	PRON
cjfa-34391	209	2	invokes	invoke	VERB
cjfa-34391	209	3	a	a	DET
cjfa-34391	209	4	sense	sense	NOUN
cjfa-34391	209	5	of	of	ADP
cjfa-34391	209	6	insecurity	insecurity	NOUN
cjfa-34391	209	7	,	,	PUNCT
cjfa-34391	209	8	and	and	CCONJ
cjfa-34391	209	9	the	the	DET
cjfa-34391	209	10	need	need	NOUN
cjfa-34391	209	11	for	for	ADP
cjfa-34391	209	12	guaranteed	guarantee	VERB
cjfa-34391	209	13	consumer	consumer	NOUN
cjfa-34391	209	14	protection	protection	NOUN
cjfa-34391	209	15	by	by	ADP
cjfa-34391	209	16	the	the	DET
cjfa-34391	209	17	financial	financial	ADJ
cjfa-34391	209	18	service	service	NOUN
cjfa-34391	209	19	providers	provider	NOUN
cjfa-34391	209	20	.	.	PUNCT
cjfa-34391	210	1	in	in	ADP
cjfa-34391	210	2	responding	respond	VERB
cjfa-34391	210	3	to	to	ADP
cjfa-34391	210	4	the	the	DET
cjfa-34391	210	5	growing	grow	VERB
cjfa-34391	210	6	consumer	consumer	NOUN
cjfa-34391	210	7	demand	demand	NOUN
cjfa-34391	210	8	for	for	ADP
cjfa-34391	210	9	financial	financial	ADJ
cjfa-34391	210	10	services	service	NOUN
cjfa-34391	210	11	amidst	amidst	ADP
cjfa-34391	210	12	security	security	NOUN
cjfa-34391	210	13	concerns	concern	NOUN
cjfa-34391	210	14	,	,	PUNCT
cjfa-34391	210	15	the	the	DET
cjfa-34391	210	16	business	business	NOUN
cjfa-34391	210	17	model	model	NOUN
cjfa-34391	210	18	of	of	ADP
cjfa-34391	210	19	financial	financial	ADJ
cjfa-34391	210	20	service	service	NOUN
cjfa-34391	210	21	delivery	delivery	NOUN
cjfa-34391	210	22	must	must	AUX
cjfa-34391	210	23	be	be	AUX
cjfa-34391	210	24	underpinned	underpin	VERB
cjfa-34391	210	25	by	by	ADP
cjfa-34391	210	26	customer	customer	NOUN
cjfa-34391	210	27	-	-	PUNCT
cjfa-34391	210	28	centralism	centralism	NOUN
cjfa-34391	210	29	with	with	ADP
cjfa-34391	210	30	consumer	consumer	NOUN
cjfa-34391	210	31	protection	protection	NOUN
cjfa-34391	210	32	mechanisms	mechanism	NOUN
cjfa-34391	210	33	in	in	ADP
cjfa-34391	210	34	place	place	NOUN
cjfa-34391	210	35	.	.	PUNCT
cjfa-34391	211	1	malady	malady	NOUN
cjfa-34391	211	2	(	(	PUNCT
cjfa-34391	211	3	2016	2016	NUM
cjfa-34391	211	4	)	)	PUNCT
cjfa-34391	211	5	intonates	intonate	VERB
cjfa-34391	211	6	that	that	SCONJ
cjfa-34391	211	7	this	this	PRON
cjfa-34391	211	8	can	can	AUX
cjfa-34391	211	9	help	help	VERB
cjfa-34391	211	10	reduce	reduce	VERB
cjfa-34391	211	11	the	the	DET
cjfa-34391	211	12	level	level	NOUN
cjfa-34391	211	13	of	of	ADP
cjfa-34391	211	14	voluntary	voluntary	ADJ
cjfa-34391	211	15	financial	financial	ADJ
cjfa-34391	211	16	exclusion	exclusion	NOUN
cjfa-34391	211	17	whereby	whereby	SCONJ
cjfa-34391	211	18	the	the	DET
cjfa-34391	211	19	excluded	exclude	VERB
cjfa-34391	211	20	population	population	NOUN
cjfa-34391	211	21	do	do	AUX
cjfa-34391	211	22	not	not	PART
cjfa-34391	211	23	want	want	VERB
cjfa-34391	211	24	to	to	PART
cjfa-34391	211	25	participate	participate	VERB
cjfa-34391	211	26	in	in	ADP
cjfa-34391	211	27	digital	digital	ADJ
cjfa-34391	211	28	finance	finance	NOUN
cjfa-34391	211	29	because	because	SCONJ
cjfa-34391	211	30	they	they	PRON
cjfa-34391	211	31	have	have	VERB
cjfa-34391	211	32	ex	ex	ADJ
cjfa-34391	211	33	-	-	ADJ
cjfa-34391	211	34	post	post	ADJ
cjfa-34391	211	35	data	datum	NOUN
cjfa-34391	211	36	security	security	NOUN
cjfa-34391	211	37	concerns	concern	NOUN
cjfa-34391	211	38	.	.	PUNCT
cjfa-34391	212	1	co	co	ADJ
cjfa-34391	212	2	-	-	ADJ
cjfa-34391	212	3	evolutionary	evolutionary	ADJ
cjfa-34391	212	4	dynamics	dynamic	NOUN
cjfa-34391	212	5	of	of	ADP
cjfa-34391	212	6	financial	financial	ADJ
cjfa-34391	212	7	inclusion	inclusion	NOUN
cjfa-34391	212	8	of	of	ADP
cjfa-34391	212	9	generation	generation	NOUN
cjfa-34391	212	10	z	z	X
cjfa-34391	212	11	…	…	PUNCT
cjfa-34391	212	12	43	43	NUM
cjfa-34391	212	13	emergent	emergent	ADJ
cjfa-34391	212	14	behaviour	behaviour	NOUN
cjfa-34391	212	15	emergent	emergent	NOUN
cjfa-34391	212	16	behaviour	behaviour	NOUN
cjfa-34391	212	17	stems	stem	VERB
cjfa-34391	212	18	from	from	ADP
cjfa-34391	212	19	the	the	DET
cjfa-34391	212	20	interactions	interaction	NOUN
cjfa-34391	212	21	and	and	CCONJ
cjfa-34391	212	22	feedback	feedback	NOUN
cjfa-34391	212	23	mechanisms	mechanism	NOUN
cjfa-34391	212	24	in	in	ADP
cjfa-34391	212	25	complex	complex	ADJ
cjfa-34391	212	26	systems	system	NOUN
cjfa-34391	212	27	.	.	PUNCT
cjfa-34391	213	1	from	from	ADP
cjfa-34391	213	2	the	the	DET
cjfa-34391	213	3	foregoing	forego	VERB
cjfa-34391	213	4	narratives	narrative	NOUN
cjfa-34391	213	5	of	of	ADP
cjfa-34391	213	6	the	the	DET
cjfa-34391	213	7	interactions	interaction	NOUN
cjfa-34391	213	8	and	and	CCONJ
cjfa-34391	213	9	feedback	feedback	NOUN
cjfa-34391	213	10	mechanisms	mechanism	NOUN
cjfa-34391	213	11	in	in	ADP
cjfa-34391	213	12	the	the	DET
cjfa-34391	213	13	digital	digital	ADJ
cjfa-34391	213	14	financial	financial	ADJ
cjfa-34391	213	15	ecosystem	ecosystem	NOUN
cjfa-34391	213	16	,	,	PUNCT
cjfa-34391	213	17	financial	financial	ADJ
cjfa-34391	213	18	inclusion	inclusion	NOUN
cjfa-34391	213	19	appears	appear	VERB
cjfa-34391	213	20	to	to	PART
cjfa-34391	213	21	be	be	AUX
cjfa-34391	213	22	an	an	DET
cjfa-34391	213	23	emergent	emergent	ADJ
cjfa-34391	213	24	property	property	NOUN
cjfa-34391	213	25	of	of	ADP
cjfa-34391	213	26	the	the	DET
cjfa-34391	213	27	digital	digital	ADJ
cjfa-34391	213	28	financial	financial	ADJ
cjfa-34391	213	29	ecosystem	ecosystem	NOUN
cjfa-34391	213	30	.	.	PUNCT
cjfa-34391	214	1	financial	financial	ADJ
cjfa-34391	214	2	inclusion	inclusion	NOUN
cjfa-34391	214	3	is	be	AUX
cjfa-34391	214	4	driven	drive	VERB
cjfa-34391	214	5	by	by	ADP
cjfa-34391	214	6	the	the	DET
cjfa-34391	214	7	adoptive	adoptive	ADJ
cjfa-34391	214	8	response	response	NOUN
cjfa-34391	214	9	of	of	ADP
cjfa-34391	214	10	the	the	DET
cjfa-34391	214	11	clientele	clientele	NOUN
cjfa-34391	214	12	to	to	ADP
cjfa-34391	214	13	digital	digital	ADJ
cjfa-34391	214	14	financial	financial	ADJ
cjfa-34391	214	15	services	service	NOUN
cjfa-34391	214	16	delivery	delivery	NOUN
cjfa-34391	214	17	by	by	ADP
cjfa-34391	214	18	the	the	DET
cjfa-34391	214	19	banking	banking	NOUN
cjfa-34391	214	20	institution	institution	NOUN
cjfa-34391	214	21	.	.	PUNCT
cjfa-34391	215	1	the	the	DET
cjfa-34391	215	2	banking	banking	NOUN
cjfa-34391	215	3	institution	institution	NOUN
cjfa-34391	215	4	then	then	ADV
cjfa-34391	215	5	remodels	remodel	VERB
cjfa-34391	215	6	its	its	PRON
cjfa-34391	215	7	financial	financial	ADJ
cjfa-34391	215	8	product	product	NOUN
cjfa-34391	215	9	offering	offering	NOUN
cjfa-34391	215	10	by	by	ADP
cjfa-34391	215	11	building	build	VERB
cjfa-34391	215	12	consumer	consumer	NOUN
cjfa-34391	215	13	demand	demand	NOUN
cjfa-34391	215	14	for	for	ADP
cjfa-34391	215	15	digital	digital	ADJ
cjfa-34391	215	16	financial	financial	ADJ
cjfa-34391	215	17	inclusion	inclusion	NOUN
cjfa-34391	215	18	with	with	ADP
cjfa-34391	215	19	enhanced	enhanced	ADJ
cjfa-34391	215	20	participatory	participatory	ADJ
cjfa-34391	215	21	accountability	accountability	NOUN
cjfa-34391	215	22	and	and	CCONJ
cjfa-34391	215	23	financial	financial	ADJ
cjfa-34391	215	24	capability	capability	NOUN
cjfa-34391	215	25	of	of	ADP
cjfa-34391	215	26	the	the	DET
cjfa-34391	215	27	clientele	clientele	PROPN
cjfa-34391	215	28	.	.	PUNCT
cjfa-34391	216	1	the	the	DET
cjfa-34391	216	2	emergent	emergent	ADJ
cjfa-34391	216	3	behaviour	behaviour	NOUN
cjfa-34391	216	4	of	of	ADP
cjfa-34391	216	5	zanaco	zanaco	PROPN
cjfa-34391	216	6	in	in	ADP
cjfa-34391	216	7	the	the	DET
cjfa-34391	216	8	wake	wake	NOUN
cjfa-34391	216	9	of	of	ADP
cjfa-34391	216	10	disruptive	disruptive	ADJ
cjfa-34391	216	11	financial	financial	ADJ
cjfa-34391	216	12	technologies	technology	NOUN
cjfa-34391	216	13	represents	represent	VERB
cjfa-34391	216	14	financial	financial	ADJ
cjfa-34391	216	15	innovation	innovation	NOUN
cjfa-34391	216	16	towards	towards	ADP
cjfa-34391	216	17	financial	financial	ADJ
cjfa-34391	216	18	inclusion	inclusion	NOUN
cjfa-34391	216	19	of	of	ADP
cjfa-34391	216	20	the	the	DET
cjfa-34391	216	21	unbanked	unbanked	ADJ
cjfa-34391	216	22	demographic	demographic	ADJ
cjfa-34391	216	23	segments	segment	NOUN
cjfa-34391	216	24	of	of	ADP
cjfa-34391	216	25	society	society	NOUN
cjfa-34391	216	26	.	.	PUNCT
cjfa-34391	217	1	financial	financial	ADJ
cjfa-34391	217	2	innovation	innovation	NOUN
cjfa-34391	217	3	is	be	AUX
cjfa-34391	217	4	a	a	DET
cjfa-34391	217	5	process	process	NOUN
cjfa-34391	217	6	,	,	PUNCT
cjfa-34391	217	7	carried	carry	VERB
cjfa-34391	217	8	out	out	ADP
cjfa-34391	217	9	by	by	ADP
cjfa-34391	217	10	any	any	DET
cjfa-34391	217	11	institution	institution	NOUN
cjfa-34391	217	12	,	,	PUNCT
cjfa-34391	217	13	involving	involve	VERB
cjfa-34391	217	14	the	the	DET
cjfa-34391	217	15	creation	creation	NOUN
cjfa-34391	217	16	,	,	PUNCT
cjfa-34391	217	17	promotion	promotion	NOUN
cjfa-34391	217	18	and	and	CCONJ
cjfa-34391	217	19	adoption	adoption	NOUN
cjfa-34391	217	20	of	of	ADP
cjfa-34391	217	21	new	new	ADJ
cjfa-34391	217	22	including	include	VERB
cjfa-34391	217	23	both	both	CCONJ
cjfa-34391	217	24	incremental	incremental	ADJ
cjfa-34391	217	25	and	and	CCONJ
cjfa-34391	217	26	radical	radical	ADJ
cjfa-34391	217	27	products	product	NOUN
cjfa-34391	217	28	,	,	PUNCT
cjfa-34391	217	29	platforms	platform	NOUN
cjfa-34391	217	30	and	and	CCONJ
cjfa-34391	217	31	processes	process	NOUN
cjfa-34391	217	32	(	(	PUNCT
cjfa-34391	217	33	zouari	zouari	PROPN
cjfa-34391	217	34	&	&	CCONJ
cjfa-34391	217	35	abdelmalek	abdelmalek	PROPN
cjfa-34391	217	36	,	,	PUNCT
cjfa-34391	217	37	2020	2020	NUM
cjfa-34391	217	38	)	)	PUNCT
cjfa-34391	217	39	.	.	PUNCT
cjfa-34391	218	1	sadrul	sadrul	PROPN
cjfa-34391	218	2	huda	huda	PROPN
cjfa-34391	218	3	,	,	PUNCT
cjfa-34391	218	4	kabir	kabir	PROPN
cjfa-34391	218	5	,	,	PUNCT
cjfa-34391	218	6	popy	popy	PROPN
cjfa-34391	218	7	and	and	CCONJ
cjfa-34391	218	8	saha	saha	PROPN
cjfa-34391	218	9	(	(	PUNCT
cjfa-34391	218	10	2020	2020	NUM
cjfa-34391	218	11	)	)	PUNCT
cjfa-34391	218	12	discuss	discuss	VERB
cjfa-34391	218	13	financial	financial	ADJ
cjfa-34391	218	14	innovation	innovation	NOUN
cjfa-34391	218	15	in	in	ADP
cjfa-34391	218	16	the	the	DET
cjfa-34391	218	17	context	context	NOUN
cjfa-34391	218	18	of	of	ADP
cjfa-34391	218	19	bangladesh	bangladesh	NOUN
cjfa-34391	218	20	,	,	PUNCT
cjfa-34391	218	21	and	and	CCONJ
cjfa-34391	218	22	argue	argue	VERB
cjfa-34391	218	23	that	that	SCONJ
cjfa-34391	218	24	financial	financial	ADJ
cjfa-34391	218	25	innovation	innovation	NOUN
cjfa-34391	218	26	is	be	AUX
cjfa-34391	218	27	critical	critical	ADJ
cjfa-34391	218	28	to	to	ADP
cjfa-34391	218	29	the	the	DET
cjfa-34391	218	30	development	development	NOUN
cjfa-34391	218	31	of	of	ADP
cjfa-34391	218	32	the	the	DET
cjfa-34391	218	33	financial	financial	ADJ
cjfa-34391	218	34	system	system	NOUN
cjfa-34391	218	35	in	in	ADP
cjfa-34391	218	36	modern	modern	ADJ
cjfa-34391	218	37	society	society	NOUN
cjfa-34391	218	38	.	.	PUNCT
cjfa-34391	219	1	for	for	SCONJ
cjfa-34391	219	2	banking	banking	NOUN
cjfa-34391	219	3	institutions	institution	NOUN
cjfa-34391	219	4	to	to	PART
cjfa-34391	219	5	survive	survive	VERB
cjfa-34391	219	6	in	in	ADP
cjfa-34391	219	7	the	the	DET
cjfa-34391	219	8	competitive	competitive	ADJ
cjfa-34391	219	9	financial	financial	ADJ
cjfa-34391	219	10	business	business	NOUN
cjfa-34391	219	11	environment	environment	NOUN
cjfa-34391	219	12	,	,	PUNCT
cjfa-34391	219	13	financial	financial	ADJ
cjfa-34391	219	14	innovation	innovation	NOUN
cjfa-34391	219	15	should	should	AUX
cjfa-34391	219	16	be	be	AUX
cjfa-34391	219	17	the	the	DET
cjfa-34391	219	18	cutting	cut	VERB
cjfa-34391	219	19	edge	edge	NOUN
cjfa-34391	219	20	of	of	ADP
cjfa-34391	219	21	sustainability	sustainability	NOUN
cjfa-34391	219	22	and	and	CCONJ
cjfa-34391	219	23	growth	growth	NOUN
cjfa-34391	219	24	.	.	PUNCT
cjfa-34391	220	1	piotrowska	piotrowska	PROPN
cjfa-34391	220	2	(	(	PUNCT
cjfa-34391	220	3	2016	2016	NUM
cjfa-34391	220	4	)	)	PUNCT
cjfa-34391	220	5	adds	add	VERB
cjfa-34391	220	6	to	to	ADP
cjfa-34391	220	7	this	this	DET
cjfa-34391	220	8	perspective	perspective	NOUN
cjfa-34391	220	9	emphasising	emphasise	VERB
cjfa-34391	220	10	that	that	SCONJ
cjfa-34391	220	11	banks	bank	NOUN
cjfa-34391	220	12	are	be	AUX
cjfa-34391	220	13	no	no	ADV
cjfa-34391	220	14	longer	long	ADV
cjfa-34391	220	15	the	the	DET
cjfa-34391	220	16	only	only	ADJ
cjfa-34391	220	17	institutions	institution	NOUN
cjfa-34391	220	18	active	active	ADJ
cjfa-34391	220	19	in	in	ADP
cjfa-34391	220	20	the	the	DET
cjfa-34391	220	21	payments	payment	NOUN
cjfa-34391	220	22	market	market	NOUN
cjfa-34391	220	23	:	:	PUNCT
cjfa-34391	220	24	new	new	ADJ
cjfa-34391	220	25	market	market	NOUN
cjfa-34391	220	26	players	player	NOUN
cjfa-34391	220	27	emerge	emerge	VERB
cjfa-34391	220	28	such	such	ADJ
cjfa-34391	220	29	as	as	ADP
cjfa-34391	220	30	mobile	mobile	ADJ
cjfa-34391	220	31	operators	operator	NOUN
cjfa-34391	220	32	and	and	CCONJ
cjfa-34391	220	33	virtual	virtual	ADJ
cjfa-34391	220	34	payment	payment	NOUN
cjfa-34391	220	35	services	service	NOUN
cjfa-34391	220	36	.	.	PUNCT
cjfa-34391	221	1	co	co	VERB
cjfa-34391	221	2	-	-	ADJ
cjfa-34391	221	3	evolutionary	evolutionary	ADJ
cjfa-34391	221	4	dynamics	dynamic	NOUN
cjfa-34391	221	5	of	of	ADP
cjfa-34391	221	6	financial	financial	ADJ
cjfa-34391	221	7	inclusion	inclusion	NOUN
cjfa-34391	221	8	of	of	ADP
cjfa-34391	221	9	generation	generation	NOUN
cjfa-34391	221	10	z	z	NOUN
cjfa-34391	221	11	in	in	ADP
cjfa-34391	221	12	pursuit	pursuit	NOUN
cjfa-34391	221	13	of	of	ADP
cjfa-34391	221	14	the	the	DET
cjfa-34391	221	15	second	second	ADJ
cjfa-34391	221	16	objective	objective	NOUN
cjfa-34391	221	17	of	of	ADP
cjfa-34391	221	18	the	the	DET
cjfa-34391	221	19	research	research	NOUN
cjfa-34391	221	20	,	,	PUNCT
cjfa-34391	221	21	causal	causal	NOUN
cjfa-34391	221	22	loop	loop	NOUN
cjfa-34391	221	23	analysis	analysis	NOUN
cjfa-34391	221	24	was	be	AUX
cjfa-34391	221	25	used	use	VERB
cjfa-34391	221	26	to	to	PART
cjfa-34391	221	27	visually	visually	ADV
cjfa-34391	221	28	quantify	quantify	VERB
cjfa-34391	221	29	the	the	DET
cjfa-34391	221	30	co	co	ADJ
cjfa-34391	221	31	-	-	ADJ
cjfa-34391	221	32	evolutionary	evolutionary	ADJ
cjfa-34391	221	33	dynamics	dynamic	NOUN
cjfa-34391	221	34	of	of	ADP
cjfa-34391	221	35	financial	financial	ADJ
cjfa-34391	221	36	inclusion	inclusion	NOUN
cjfa-34391	221	37	of	of	ADP
cjfa-34391	221	38	generation	generation	NOUN
cjfa-34391	221	39	z	z	NOUN
cjfa-34391	221	40	within	within	ADP
cjfa-34391	221	41	a	a	DET
cjfa-34391	221	42	digital	digital	ADJ
cjfa-34391	221	43	financial	financial	ADJ
cjfa-34391	221	44	ecosystem	ecosystem	NOUN
cjfa-34391	221	45	.	.	PUNCT
cjfa-34391	222	1	the	the	DET
cjfa-34391	222	2	analysis	analysis	NOUN
cjfa-34391	222	3	was	be	AUX
cjfa-34391	222	4	underpinned	underpin	VERB
cjfa-34391	222	5	by	by	ADP
cjfa-34391	222	6	the	the	DET
cjfa-34391	222	7	theoretical	theoretical	ADJ
cjfa-34391	222	8	perspective	perspective	NOUN
cjfa-34391	222	9	of	of	ADP
cjfa-34391	222	10	complex	complex	ADJ
cjfa-34391	222	11	adaptive	adaptive	ADJ
cjfa-34391	222	12	systems	system	NOUN
cjfa-34391	222	13	.	.	PUNCT
cjfa-34391	223	1	causal	causal	ADJ
cjfa-34391	223	2	links	link	NOUN
cjfa-34391	223	3	were	be	AUX
cjfa-34391	223	4	identified	identify	VERB
cjfa-34391	223	5	from	from	ADP
cjfa-34391	223	6	the	the	DET
cjfa-34391	223	7	thematic	thematic	ADJ
cjfa-34391	223	8	analysis	analysis	NOUN
cjfa-34391	223	9	of	of	ADP
cjfa-34391	223	10	the	the	DET
cjfa-34391	223	11	data	datum	NOUN
cjfa-34391	223	12	that	that	PRON
cjfa-34391	223	13	revealed	reveal	VERB
cjfa-34391	223	14	the	the	DET
cjfa-34391	223	15	interactions	interaction	NOUN
cjfa-34391	223	16	,	,	PUNCT
cjfa-34391	223	17	feedback	feedback	NOUN
cjfa-34391	223	18	mechanisms	mechanism	NOUN
cjfa-34391	223	19	and	and	CCONJ
cjfa-34391	223	20	emergent	emergent	ADJ
cjfa-34391	223	21	properties	property	NOUN
cjfa-34391	223	22	of	of	ADP
cjfa-34391	223	23	the	the	DET
cjfa-34391	223	24	financial	financial	ADJ
cjfa-34391	223	25	ecosystem	ecosystem	NOUN
cjfa-34391	223	26	under	under	ADP
cjfa-34391	223	27	study	study	NOUN
cjfa-34391	223	28	.	.	PUNCT
cjfa-34391	224	1	a	a	DET
cjfa-34391	224	2	co	co	ADJ
cjfa-34391	224	3	-	-	ADJ
cjfa-34391	224	4	evolutionary	evolutionary	ADJ
cjfa-34391	224	5	dynamics	dynamic	NOUN
cjfa-34391	224	6	model	model	NOUN
cjfa-34391	224	7	of	of	ADP
cjfa-34391	224	8	financial	financial	ADJ
cjfa-34391	224	9	inclusion	inclusion	NOUN
cjfa-34391	224	10	of	of	ADP
cjfa-34391	224	11	generation	generation	NOUN
cjfa-34391	224	12	z	z	PROPN
cjfa-34391	224	13	was	be	AUX
cjfa-34391	224	14	then	then	ADV
cjfa-34391	224	15	developed	develop	VERB
cjfa-34391	224	16	and	and	CCONJ
cjfa-34391	224	17	represented	represent	VERB
cjfa-34391	224	18	as	as	ADP
cjfa-34391	224	19	a	a	DET
cjfa-34391	224	20	causal	causal	PROPN
cjfa-34391	224	21	loop	loop	NOUN
cjfa-34391	224	22	diagram	diagram	PROPN
cjfa-34391	224	23	.	.	PUNCT
cjfa-34391	225	1	a	a	DET
cjfa-34391	225	2	causal	causal	PROPN
cjfa-34391	225	3	loop	loop	NOUN
cjfa-34391	225	4	diagram	diagram	PROPN
cjfa-34391	225	5	typically	typically	ADV
cjfa-34391	225	6	consists	consist	VERB
cjfa-34391	225	7	of	of	ADP
cjfa-34391	225	8	four	four	NUM
cjfa-34391	225	9	basic	basic	ADJ
cjfa-34391	225	10	elements	element	NOUN
cjfa-34391	225	11	:	:	PUNCT
cjfa-34391	225	12	the	the	DET
cjfa-34391	225	13	variables	variable	NOUN
cjfa-34391	225	14	,	,	PUNCT
cjfa-34391	225	15	the	the	DET
cjfa-34391	225	16	links	link	NOUN
cjfa-34391	225	17	between	between	ADP
cjfa-34391	225	18	diana	diana	PROPN
cjfa-34391	225	19	kangwa	kangwa	PROPN
cjfa-34391	225	20	,	,	PUNCT
cjfa-34391	225	21	joseph	joseph	PROPN
cjfa-34391	225	22	thokozani	thokozani	PROPN
cjfa-34391	225	23	mwale	mwale	PROPN
cjfa-34391	225	24	,	,	PUNCT
cjfa-34391	225	25	junaid	junaid	VERB
cjfa-34391	225	26	m.	m.	PROPN
cjfa-34391	225	27	shaikh44	shaikh44	VERB
cjfa-34391	225	28	them	they	PRON
cjfa-34391	225	29	,	,	PUNCT
cjfa-34391	225	30	the	the	DET
cjfa-34391	225	31	signs	sign	NOUN
cjfa-34391	225	32	on	on	ADP
cjfa-34391	225	33	the	the	DET
cjfa-34391	225	34	links	link	NOUN
cjfa-34391	225	35	showing	show	VERB
cjfa-34391	225	36	how	how	SCONJ
cjfa-34391	225	37	the	the	DET
cjfa-34391	225	38	variables	variable	NOUN
cjfa-34391	225	39	are	be	AUX
cjfa-34391	225	40	interconnected	interconnect	VERB
cjfa-34391	225	41	,	,	PUNCT
cjfa-34391	225	42	and	and	CCONJ
cjfa-34391	225	43	the	the	DET
cjfa-34391	225	44	sign	sign	NOUN
cjfa-34391	225	45	of	of	ADP
cjfa-34391	225	46	the	the	DET
cjfa-34391	225	47	loop	loop	NOUN
cjfa-34391	225	48	showing	show	VERB
cjfa-34391	225	49	what	what	DET
cjfa-34391	225	50	type	type	NOUN
cjfa-34391	225	51	of	of	ADP
cjfa-34391	225	52	behaviour	behaviour	NOUN
cjfa-34391	225	53	the	the	DET
cjfa-34391	225	54	system	system	NOUN
cjfa-34391	225	55	will	will	AUX
cjfa-34391	225	56	produce	produce	VERB
cjfa-34391	225	57	.	.	PUNCT
cjfa-34391	226	1	by	by	ADP
cjfa-34391	226	2	representing	represent	VERB
cjfa-34391	226	3	a	a	DET
cjfa-34391	226	4	phenomenon	phenomenon	NOUN
cjfa-34391	226	5	from	from	ADP
cjfa-34391	226	6	a	a	DET
cjfa-34391	226	7	causal	causal	ADJ
cjfa-34391	226	8	perspective	perspective	NOUN
cjfa-34391	226	9	,	,	PUNCT
cjfa-34391	226	10	the	the	DET
cjfa-34391	226	11	dynamics	dynamic	NOUN
cjfa-34391	226	12	that	that	PRON
cjfa-34391	226	13	produce	produce	VERB
cjfa-34391	226	14	complex	complex	ADJ
cjfa-34391	226	15	behaviour	behaviour	NOUN
cjfa-34391	226	16	can	can	AUX
cjfa-34391	226	17	be	be	AUX
cjfa-34391	226	18	understood	understand	VERB
cjfa-34391	226	19	to	to	PART
cjfa-34391	226	20	assist	assist	VERB
cjfa-34391	226	21	in	in	ADP
cjfa-34391	226	22	decision	decision	NOUN
cjfa-34391	226	23	-	-	PUNCT
cjfa-34391	226	24	making	making	NOUN
cjfa-34391	226	25	.	.	PUNCT
cjfa-34391	227	1	figure	figure	NOUN
cjfa-34391	227	2	5	5	NUM
cjfa-34391	227	3	.	.	PUNCT
cjfa-34391	228	1	co	co	ADJ
cjfa-34391	228	2	-	-	ADJ
cjfa-34391	228	3	evolutionary	evolutionary	ADJ
cjfa-34391	228	4	dynamics	dynamic	NOUN
cjfa-34391	228	5	of	of	ADP
cjfa-34391	228	6	digital	digital	ADJ
cjfa-34391	228	7	financial	financial	ADJ
cjfa-34391	228	8	inclusion	inclusion	NOUN
cjfa-34391	228	9	of	of	ADP
cjfa-34391	228	10	generation	generation	NOUN
cjfa-34391	228	11	z	z	NOUN
cjfa-34391	228	12	co	co	ADJ
cjfa-34391	228	13	-	-	ADJ
cjfa-34391	228	14	evolutionary	evolutionary	ADJ
cjfa-34391	228	15	dynamics	dynamic	NOUN
cjfa-34391	228	16	of	of	ADP
cjfa-34391	228	17	financial	financial	ADJ
cjfa-34391	228	18	inclusion	inclusion	NOUN
cjfa-34391	228	19	of	of	ADP
cjfa-34391	228	20	generation	generation	NOUN
cjfa-34391	228	21	z	z	NOUN
cjfa-34391	228	22	in	in	ADP
cjfa-34391	228	23	pursuit	pursuit	NOUN
cjfa-34391	228	24	of	of	ADP
cjfa-34391	228	25	the	the	DET
cjfa-34391	228	26	second	second	ADJ
cjfa-34391	228	27	objective	objective	NOUN
cjfa-34391	228	28	of	of	ADP
cjfa-34391	228	29	the	the	DET
cjfa-34391	228	30	research	research	NOUN
cjfa-34391	228	31	,	,	PUNCT
cjfa-34391	228	32	causal	causal	NOUN
cjfa-34391	228	33	loop	loop	NOUN
cjfa-34391	228	34	analysis	analysis	NOUN
cjfa-34391	228	35	was	be	AUX
cjfa-34391	228	36	used	use	VERB
cjfa-34391	228	37	to	to	PART
cjfa-34391	228	38	visually	visually	ADV
cjfa-34391	228	39	quantify	quantify	VERB
cjfa-34391	228	40	the	the	DET
cjfa-34391	228	41	co	co	ADJ
cjfa-34391	228	42	-	-	ADJ
cjfa-34391	228	43	evolutionary	evolutionary	ADJ
cjfa-34391	228	44	dynamics	dynamic	NOUN
cjfa-34391	228	45	of	of	ADP
cjfa-34391	228	46	financial	financial	ADJ
cjfa-34391	228	47	inclusion	inclusion	NOUN
cjfa-34391	228	48	of	of	ADP
cjfa-34391	228	49	generation	generation	NOUN
cjfa-34391	228	50	z	z	NOUN
cjfa-34391	228	51	within	within	ADP
cjfa-34391	228	52	a	a	DET
cjfa-34391	228	53	digital	digital	ADJ
cjfa-34391	228	54	financial	financial	ADJ
cjfa-34391	228	55	ecosystem	ecosystem	NOUN
cjfa-34391	228	56	.	.	PUNCT
cjfa-34391	229	1	the	the	DET
cjfa-34391	229	2	analysis	analysis	NOUN
cjfa-34391	229	3	was	be	AUX
cjfa-34391	229	4	underpinned	underpin	VERB
cjfa-34391	229	5	by	by	ADP
cjfa-34391	229	6	the	the	DET
cjfa-34391	229	7	theoretical	theoretical	ADJ
cjfa-34391	229	8	perspective	perspective	NOUN
cjfa-34391	229	9	of	of	ADP
cjfa-34391	229	10	complex	complex	ADJ
cjfa-34391	229	11	adaptive	adaptive	ADJ
cjfa-34391	229	12	systems	system	NOUN
cjfa-34391	229	13	.	.	PUNCT
cjfa-34391	230	1	causal	causal	ADJ
cjfa-34391	230	2	links	link	NOUN
cjfa-34391	230	3	were	be	AUX
cjfa-34391	230	4	identified	identify	VERB
cjfa-34391	230	5	from	from	ADP
cjfa-34391	230	6	the	the	DET
cjfa-34391	230	7	thematic	thematic	ADJ
cjfa-34391	230	8	analysis	analysis	NOUN
cjfa-34391	230	9	of	of	ADP
cjfa-34391	230	10	the	the	DET
cjfa-34391	230	11	data	datum	NOUN
cjfa-34391	230	12	that	that	PRON
cjfa-34391	230	13	revealed	reveal	VERB
cjfa-34391	230	14	the	the	DET
cjfa-34391	230	15	interactions	interaction	NOUN
cjfa-34391	230	16	,	,	PUNCT
cjfa-34391	230	17	feedback	feedback	NOUN
cjfa-34391	230	18	mechanisms	mechanism	NOUN
cjfa-34391	230	19	and	and	CCONJ
cjfa-34391	230	20	emergent	emergent	ADJ
cjfa-34391	230	21	properties	property	NOUN
cjfa-34391	230	22	of	of	ADP
cjfa-34391	230	23	the	the	DET
cjfa-34391	230	24	financial	financial	ADJ
cjfa-34391	230	25	ecosystem	ecosystem	NOUN
cjfa-34391	230	26	under	under	ADP
cjfa-34391	230	27	study	study	NOUN
cjfa-34391	230	28	.	.	PUNCT
cjfa-34391	231	1	a	a	DET
cjfa-34391	231	2	co	co	ADJ
cjfa-34391	231	3	-	-	ADJ
cjfa-34391	231	4	evolutionary	evolutionary	ADJ
cjfa-34391	231	5	dynamics	dynamic	NOUN
cjfa-34391	231	6	model	model	NOUN
cjfa-34391	231	7	of	of	ADP
cjfa-34391	231	8	financial	financial	ADJ
cjfa-34391	231	9	inclusion	inclusion	NOUN
cjfa-34391	231	10	of	of	ADP
cjfa-34391	231	11	generation	generation	NOUN
cjfa-34391	231	12	z	z	PROPN
cjfa-34391	231	13	was	be	AUX
cjfa-34391	231	14	then	then	ADV
cjfa-34391	231	15	developed	develop	VERB
cjfa-34391	231	16	and	and	CCONJ
cjfa-34391	231	17	represented	represent	VERB
cjfa-34391	231	18	as	as	ADP
cjfa-34391	231	19	a	a	DET
cjfa-34391	231	20	causal	causal	PROPN
cjfa-34391	231	21	loop	loop	NOUN
cjfa-34391	231	22	diagram	diagram	PROPN
cjfa-34391	231	23	.	.	PUNCT
cjfa-34391	232	1	a	a	DET
cjfa-34391	232	2	causal	causal	PROPN
cjfa-34391	232	3	loop	loop	NOUN
cjfa-34391	232	4	diagram	diagram	PROPN
cjfa-34391	232	5	typically	typically	ADV
cjfa-34391	232	6	consists	consist	VERB
cjfa-34391	232	7	of	of	ADP
cjfa-34391	232	8	four	four	NUM
cjfa-34391	232	9	basic	basic	ADJ
cjfa-34391	232	10	elements	element	NOUN
cjfa-34391	232	11	:	:	PUNCT
cjfa-34391	232	12	the	the	DET
cjfa-34391	232	13	variables	variable	NOUN
cjfa-34391	232	14	,	,	PUNCT
cjfa-34391	232	15	the	the	DET
cjfa-34391	232	16	links	link	NOUN
cjfa-34391	232	17	between	between	ADP
cjfa-34391	232	18	them	they	PRON
cjfa-34391	232	19	,	,	PUNCT
cjfa-34391	232	20	the	the	DET
cjfa-34391	232	21	signs	sign	NOUN
cjfa-34391	232	22	on	on	ADP
cjfa-34391	232	23	the	the	DET
cjfa-34391	232	24	links	link	NOUN
cjfa-34391	232	25	showing	show	VERB
cjfa-34391	232	26	how	how	SCONJ
cjfa-34391	232	27	the	the	DET
cjfa-34391	232	28	variables	variable	NOUN
cjfa-34391	232	29	are	be	AUX
cjfa-34391	232	30	interconnected	interconnect	VERB
cjfa-34391	232	31	,	,	PUNCT
cjfa-34391	232	32	and	and	CCONJ
cjfa-34391	232	33	the	the	DET
cjfa-34391	232	34	sign	sign	NOUN
cjfa-34391	232	35	of	of	ADP
cjfa-34391	232	36	the	the	DET
cjfa-34391	232	37	loop	loop	NOUN
cjfa-34391	232	38	showing	show	VERB
cjfa-34391	232	39	what	what	DET
cjfa-34391	232	40	type	type	NOUN
cjfa-34391	232	41	of	of	ADP
cjfa-34391	232	42	behaviour	behaviour	NOUN
cjfa-34391	232	43	the	the	DET
cjfa-34391	232	44	system	system	NOUN
cjfa-34391	232	45	will	will	AUX
cjfa-34391	232	46	produce	produce	VERB
cjfa-34391	232	47	.	.	PUNCT
cjfa-34391	233	1	by	by	ADP
cjfa-34391	233	2	representing	represent	VERB
cjfa-34391	233	3	a	a	DET
cjfa-34391	233	4	phenomenon	phenomenon	NOUN
cjfa-34391	233	5	from	from	ADP
cjfa-34391	233	6	a	a	DET
cjfa-34391	233	7	causal	causal	ADJ
cjfa-34391	233	8	perspective	perspective	NOUN
cjfa-34391	233	9	,	,	PUNCT
cjfa-34391	233	10	the	the	DET
cjfa-34391	233	11	dynamics	dynamic	NOUN
cjfa-34391	233	12	that	that	PRON
cjfa-34391	233	13	produce	produce	VERB
cjfa-34391	233	14	complex	complex	ADJ
cjfa-34391	233	15	behaviour	behaviour	NOUN
cjfa-34391	233	16	can	can	AUX
cjfa-34391	233	17	be	be	AUX
cjfa-34391	233	18	understood	understand	VERB
cjfa-34391	233	19	to	to	PART
cjfa-34391	233	20	assist	assist	VERB
cjfa-34391	233	21	in	in	ADP
cjfa-34391	233	22	decision	decision	NOUN
cjfa-34391	233	23	-	-	PUNCT
cjfa-34391	233	24	making	making	NOUN
cjfa-34391	233	25	.	.	PUNCT
cjfa-34391	234	1	figure	figure	NOUN
cjfa-34391	234	2	5	5	NUM
cjfa-34391	234	3	.	.	PUNCT
cjfa-34391	235	1	co	co	ADJ
cjfa-34391	235	2	-	-	ADJ
cjfa-34391	235	3	evolutionary	evolutionary	ADJ
cjfa-34391	235	4	dynamics	dynamic	NOUN
cjfa-34391	235	5	of	of	ADP
cjfa-34391	235	6	digital	digital	ADJ
cjfa-34391	235	7	financial	financial	ADJ
cjfa-34391	235	8	inclusion	inclusion	NOUN
cjfa-34391	235	9	of	of	ADP
cjfa-34391	235	10	generation	generation	NOUN
cjfa-34391	235	11	z	z	NOUN
cjfa-34391	235	12	source	source	NOUN
cjfa-34391	235	13	:	:	PUNCT
cjfa-34391	235	14	own	own	ADJ
cjfa-34391	235	15	study	study	NOUN
cjfa-34391	235	16	.	.	PUNCT
cjfa-34391	236	1	s	s	PART
cjfa-34391	236	2	o	o	X
cjfa-34391	236	3	u	u	NOUN
cjfa-34391	236	4	r	r	NOUN
cjfa-34391	236	5	c	c	NOUN
cjfa-34391	236	6	e	e	NOUN
cjfa-34391	236	7	:	:	PUNCT
cjfa-34391	236	8	own	own	ADJ
cjfa-34391	236	9	study	study	NOUN
cjfa-34391	236	10	.	.	PUNCT
cjfa-34391	237	1	the	the	DET
cjfa-34391	237	2	co	co	ADJ
cjfa-34391	237	3	-	-	ADJ
cjfa-34391	237	4	evolutionary	evolutionary	ADJ
cjfa-34391	237	5	dynamics	dynamic	NOUN
cjfa-34391	237	6	model	model	NOUN
cjfa-34391	237	7	shown	show	VERB
cjfa-34391	237	8	in	in	ADP
cjfa-34391	237	9	figure	figure	NOUN
cjfa-34391	237	10	5	5	NUM
cjfa-34391	237	11	demonstrates	demonstrate	VERB
cjfa-34391	237	12	that	that	SCONJ
cjfa-34391	237	13	the	the	DET
cjfa-34391	237	14	structural	structural	ADJ
cjfa-34391	237	15	force	force	NOUN
cjfa-34391	237	16	driving	drive	VERB
cjfa-34391	237	17	digital	digital	ADJ
cjfa-34391	237	18	finance	finance	NOUN
cjfa-34391	237	19	is	be	AUX
cjfa-34391	237	20	the	the	DET
cjfa-34391	237	21	fourth	fourth	ADJ
cjfa-34391	237	22	industrial	industrial	ADJ
cjfa-34391	237	23	revolution	revolution	NOUN
cjfa-34391	237	24	(	(	PUNCT
cjfa-34391	237	25	4ir	4ir	ADJ
cjfa-34391	237	26	)	)	PUNCT
cjfa-34391	237	27	.	.	PUNCT
cjfa-34391	238	1	as	as	SCONJ
cjfa-34391	238	2	elaborated	elaborate	VERB
cjfa-34391	238	3	in	in	ADP
cjfa-34391	238	4	the	the	DET
cjfa-34391	238	5	introductory	introductory	ADJ
cjfa-34391	238	6	section	section	NOUN
cjfa-34391	238	7	of	of	ADP
cjfa-34391	238	8	this	this	DET
cjfa-34391	238	9	paper	paper	NOUN
cjfa-34391	238	10	,	,	PUNCT
cjfa-34391	238	11	the	the	DET
cjfa-34391	238	12	4ir	4ir	NOUN
cjfa-34391	238	13	is	be	AUX
cjfa-34391	238	14	rapidly	rapidly	ADV
cjfa-34391	238	15	transforming	transform	VERB
cjfa-34391	238	16	modern	modern	ADJ
cjfa-34391	238	17	lifestyles	lifestyle	NOUN
cjfa-34391	238	18	thereby	thereby	ADV
cjfa-34391	238	19	creating	create	VERB
cjfa-34391	238	20	a	a	DET
cjfa-34391	238	21	digital	digital	ADJ
cjfa-34391	238	22	society	society	NOUN
cjfa-34391	238	23	.	.	PUNCT
cjfa-34391	239	1	thus	thus	ADV
cjfa-34391	239	2	,	,	PUNCT
cjfa-34391	239	3	financial	financial	ADJ
cjfa-34391	239	4	business	business	NOUN
cjfa-34391	239	5	sustainability	sustainability	NOUN
cjfa-34391	239	6	is	be	AUX
cjfa-34391	239	7	positively	positively	ADV
cjfa-34391	239	8	influenced	influence	VERB
cjfa-34391	239	9	by	by	ADP
cjfa-34391	239	10	the	the	DET
cjfa-34391	239	11	digitising	digitise	VERB
cjfa-34391	239	12	financial	financial	ADJ
cjfa-34391	239	13	ecosystem	ecosystem	NOUN
cjfa-34391	239	14	,	,	PUNCT
cjfa-34391	239	15	which	which	PRON
cjfa-34391	239	16	engenders	engender	VERB
cjfa-34391	239	17	the	the	DET
cjfa-34391	239	18	emergence	emergence	NOUN
cjfa-34391	239	19	of	of	ADP
cjfa-34391	239	20	disruptive	disruptive	ADJ
cjfa-34391	239	21	financial	financial	ADJ
cjfa-34391	239	22	technologies	technology	NOUN
cjfa-34391	239	23	.	.	PUNCT
cjfa-34391	240	1	the	the	DET
cjfa-34391	240	2	disruptive	disruptive	ADJ
cjfa-34391	240	3	nature	nature	NOUN
cjfa-34391	240	4	of	of	ADP
cjfa-34391	240	5	financial	financial	ADJ
cjfa-34391	240	6	technologies	technology	NOUN
cjfa-34391	240	7	is	be	AUX
cjfa-34391	240	8	evidenced	evidence	VERB
cjfa-34391	240	9	by	by	ADP
cjfa-34391	240	10	revolutionary	revolutionary	ADJ
cjfa-34391	240	11	pathways	pathway	NOUN
cjfa-34391	240	12	of	of	ADP
cjfa-34391	240	13	adaptation	adaptation	NOUN
cjfa-34391	240	14	and	and	CCONJ
cjfa-34391	240	15	transformation	transformation	NOUN
cjfa-34391	240	16	.	.	PUNCT
cjfa-34391	241	1	therefore	therefore	ADV
cjfa-34391	241	2	,	,	PUNCT
cjfa-34391	241	3	the	the	DET
cjfa-34391	241	4	sustainability	sustainability	NOUN
cjfa-34391	241	5	of	of	ADP
cjfa-34391	241	6	a	a	DET
cjfa-34391	241	7	financial	financial	ADJ
cjfa-34391	241	8	business	business	NOUN
cjfa-34391	241	9	institution	institution	NOUN
cjfa-34391	241	10	depends	depend	VERB
cjfa-34391	241	11	on	on	ADP
cjfa-34391	241	12	adapting	adapt	VERB
cjfa-34391	241	13	to	to	ADP
cjfa-34391	241	14	the	the	DET
cjfa-34391	241	15	disruptive	disruptive	ADJ
cjfa-34391	241	16	force	force	NOUN
cjfa-34391	241	17	of	of	ADP
cjfa-34391	241	18	financial	financial	ADJ
cjfa-34391	241	19	technology	technology	NOUN
cjfa-34391	241	20	,	,	PUNCT
cjfa-34391	241	21	which	which	PRON
cjfa-34391	241	22	at	at	ADP
cjfa-34391	241	23	the	the	DET
cjfa-34391	241	24	same	same	ADJ
cjfa-34391	241	25	time	time	NOUN
cjfa-34391	241	26	transforms	transform	VERB
cjfa-34391	241	27	the	the	DET
cjfa-34391	241	28	digital	digital	ADJ
cjfa-34391	241	29	financial	financial	ADJ
cjfa-34391	241	30	service	service	NOUN
cjfa-34391	241	31	delivery	delivery	NOUN
cjfa-34391	241	32	.	.	PUNCT
cjfa-34391	242	1	financial	financial	ADJ
cjfa-34391	242	2	technology	technology	NOUN
cjfa-34391	242	3	further	far	ADV
cjfa-34391	242	4	provides	provide	VERB
cjfa-34391	242	5	scope	scope	NOUN
cjfa-34391	242	6	for	for	SCONJ
cjfa-34391	242	7	financial	financial	ADJ
cjfa-34391	242	8	institutions	institution	NOUN
cjfa-34391	242	9	to	to	PART
cjfa-34391	242	10	be	be	AUX
cjfa-34391	242	11	customer	customer	NOUN
cjfa-34391	242	12	-	-	PUNCT
cjfa-34391	242	13	centred	centre	VERB
cjfa-34391	242	14	in	in	ADP
cjfa-34391	242	15	the	the	DET
cjfa-34391	242	16	delivery	delivery	NOUN
cjfa-34391	242	17	of	of	ADP
cjfa-34391	242	18	financial	financial	ADJ
cjfa-34391	242	19	services	service	NOUN
cjfa-34391	242	20	with	with	ADP
cjfa-34391	242	21	enhanced	enhanced	ADJ
cjfa-34391	242	22	consumer	consumer	NOUN
cjfa-34391	242	23	protection	protection	NOUN
cjfa-34391	242	24	against	against	ADP
cjfa-34391	242	25	insecurity	insecurity	NOUN
cjfa-34391	242	26	of	of	ADP
cjfa-34391	242	27	the	the	DET
cjfa-34391	242	28	cyber	cyber	NOUN
cjfa-34391	242	29	-	-	PUNCT
cjfa-34391	242	30	space	space	NOUN
cjfa-34391	242	31	.	.	PUNCT
cjfa-34391	243	1	a	a	DET
cjfa-34391	243	2	guar	guar	ADJ
cjfa-34391	243	3	co	co	ADJ
cjfa-34391	243	4	-	-	ADJ
cjfa-34391	243	5	evolutionary	evolutionary	ADJ
cjfa-34391	243	6	dynamics	dynamic	NOUN
cjfa-34391	243	7	of	of	ADP
cjfa-34391	243	8	financial	financial	ADJ
cjfa-34391	243	9	inclusion	inclusion	NOUN
cjfa-34391	243	10	of	of	ADP
cjfa-34391	243	11	generation	generation	NOUN
cjfa-34391	243	12	z	z	PROPN
cjfa-34391	243	13	…	…	NUM
cjfa-34391	243	14	45	45	NUM
cjfa-34391	243	15	anteed	anteed	PROPN
cjfa-34391	243	16	consumer	consumer	NOUN
cjfa-34391	243	17	protection	protection	NOUN
cjfa-34391	243	18	leads	lead	VERB
cjfa-34391	243	19	to	to	ADP
cjfa-34391	243	20	adoptive	adoptive	ADJ
cjfa-34391	243	21	response	response	NOUN
cjfa-34391	243	22	to	to	ADP
cjfa-34391	243	23	digital	digital	ADJ
cjfa-34391	243	24	financial	financial	ADJ
cjfa-34391	243	25	services	service	NOUN
cjfa-34391	243	26	.	.	PUNCT
cjfa-34391	244	1	the	the	DET
cjfa-34391	244	2	critical	critical	ADJ
cjfa-34391	244	3	pathways	pathway	NOUN
cjfa-34391	244	4	to	to	ADP
cjfa-34391	244	5	digital	digital	ADJ
cjfa-34391	244	6	financial	financial	ADJ
cjfa-34391	244	7	inclusion	inclusion	NOUN
cjfa-34391	244	8	are	be	AUX
cjfa-34391	244	9	then	then	ADV
cjfa-34391	244	10	the	the	DET
cjfa-34391	244	11	enhanced	enhanced	ADJ
cjfa-34391	244	12	financial	financial	ADJ
cjfa-34391	244	13	capability	capability	NOUN
cjfa-34391	244	14	and	and	CCONJ
cjfa-34391	244	15	participatory	participatory	ADJ
cjfa-34391	244	16	accountability	accountability	NOUN
cjfa-34391	244	17	at	at	ADP
cjfa-34391	244	18	the	the	DET
cjfa-34391	244	19	regulatory	regulatory	ADJ
cjfa-34391	244	20	frontier	frontier	NOUN
cjfa-34391	244	21	of	of	ADP
cjfa-34391	244	22	digital	digital	ADJ
cjfa-34391	244	23	finance	finance	NOUN
cjfa-34391	244	24	.	.	PUNCT
cjfa-34391	245	1	on	on	ADP
cjfa-34391	245	2	participatory	participatory	ADJ
cjfa-34391	245	3	accountability	accountability	NOUN
cjfa-34391	245	4	,	,	PUNCT
cjfa-34391	245	5	participate	participate	VERB
cjfa-34391	245	6	(	(	PUNCT
cjfa-34391	245	7	2020	2020	NUM
cjfa-34391	245	8	)	)	PUNCT
cjfa-34391	245	9	explain	explain	VERB
cjfa-34391	245	10	that	that	SCONJ
cjfa-34391	245	11	it	it	PRON
cjfa-34391	245	12	is	be	AUX
cjfa-34391	245	13	necessary	necessary	ADJ
cjfa-34391	245	14	for	for	SCONJ
cjfa-34391	245	15	the	the	DET
cjfa-34391	245	16	realities	reality	NOUN
cjfa-34391	245	17	of	of	ADP
cjfa-34391	245	18	the	the	DET
cjfa-34391	245	19	marginalised	marginalised	NOUN
cjfa-34391	245	20	to	to	PART
cjfa-34391	245	21	be	be	AUX
cjfa-34391	245	22	understood	understand	VERB
cjfa-34391	245	23	and	and	CCONJ
cjfa-34391	245	24	for	for	SCONJ
cjfa-34391	245	25	their	their	PRON
cjfa-34391	245	26	voices	voice	NOUN
cjfa-34391	245	27	to	to	PART
cjfa-34391	245	28	be	be	AUX
cjfa-34391	245	29	heard	hear	VERB
cjfa-34391	245	30	;	;	PUNCT
cjfa-34391	245	31	and	and	CCONJ
cjfa-34391	245	32	this	this	PRON
cjfa-34391	245	33	can	can	AUX
cjfa-34391	245	34	be	be	AUX
cjfa-34391	245	35	achieved	achieve	VERB
cjfa-34391	245	36	through	through	ADP
cjfa-34391	245	37	processes	process	NOUN
cjfa-34391	245	38	that	that	PRON
cjfa-34391	245	39	enable	enable	VERB
cjfa-34391	245	40	personal	personal	ADJ
cjfa-34391	245	41	empowerment	empowerment	NOUN
cjfa-34391	245	42	,	,	PUNCT
cjfa-34391	245	43	collective	collective	ADJ
cjfa-34391	245	44	identity	identity	NOUN
cjfa-34391	245	45	building	building	NOUN
cjfa-34391	245	46	and	and	CCONJ
cjfa-34391	245	47	knowledge	knowledge	NOUN
cjfa-34391	245	48	of	of	ADP
cjfa-34391	245	49	rights	right	NOUN
cjfa-34391	245	50	.	.	PUNCT
cjfa-34391	246	1	knowledge	knowledge	NOUN
cjfa-34391	246	2	generated	generate	VERB
cjfa-34391	246	3	by	by	ADP
cjfa-34391	246	4	people	people	NOUN
cjfa-34391	246	5	in	in	ADP
cjfa-34391	246	6	the	the	DET
cjfa-34391	246	7	margins	margin	NOUN
cjfa-34391	246	8	must	must	AUX
cjfa-34391	246	9	complement	complement	VERB
cjfa-34391	246	10	statistical	statistical	ADJ
cjfa-34391	246	11	data	datum	NOUN
cjfa-34391	246	12	in	in	ADP
cjfa-34391	246	13	order	order	NOUN
cjfa-34391	246	14	to	to	PART
cjfa-34391	246	15	build	build	VERB
cjfa-34391	246	16	a	a	DET
cjfa-34391	246	17	deeper	deep	ADJ
cjfa-34391	246	18	understanding	understanding	NOUN
cjfa-34391	246	19	of	of	ADP
cjfa-34391	246	20	the	the	DET
cjfa-34391	246	21	issues	issue	NOUN
cjfa-34391	246	22	that	that	PRON
cjfa-34391	246	23	perpetuate	perpetuate	VERB
cjfa-34391	246	24	poverty	poverty	NOUN
cjfa-34391	246	25	and	and	CCONJ
cjfa-34391	246	26	inequality	inequality	NOUN
cjfa-34391	246	27	and	and	CCONJ
cjfa-34391	246	28	how	how	SCONJ
cjfa-34391	246	29	to	to	PART
cjfa-34391	246	30	address	address	VERB
cjfa-34391	246	31	them	they	PRON
cjfa-34391	246	32	(	(	PUNCT
cjfa-34391	246	33	participate	participate	VERB
cjfa-34391	246	34	,	,	PUNCT
cjfa-34391	246	35	2020	2020	NUM
cjfa-34391	246	36	)	)	PUNCT
cjfa-34391	246	37	.	.	PUNCT
cjfa-34391	247	1	structural	structural	ADJ
cjfa-34391	247	2	equation	equation	NOUN
cjfa-34391	247	3	modelling	modelling	NOUN
cjfa-34391	247	4	of	of	ADP
cjfa-34391	247	5	digital	digital	ADJ
cjfa-34391	247	6	financial	financial	ADJ
cjfa-34391	247	7	inclusion	inclusion	NOUN
cjfa-34391	247	8	in	in	ADP
cjfa-34391	247	9	all	all	DET
cjfa-34391	247	10	its	its	PRON
cjfa-34391	247	11	complexity	complexity	NOUN
cjfa-34391	247	12	,	,	PUNCT
cjfa-34391	247	13	the	the	DET
cjfa-34391	247	14	digital	digital	ADJ
cjfa-34391	247	15	financial	financial	ADJ
cjfa-34391	247	16	inclusion	inclusion	NOUN
cjfa-34391	247	17	of	of	ADP
cjfa-34391	247	18	generation	generation	NOUN
cjfa-34391	247	19	z	z	PROPN
cjfa-34391	247	20	was	be	AUX
cjfa-34391	247	21	befittingly	befittingly	ADV
cjfa-34391	247	22	modelled	model	VERB
cjfa-34391	247	23	using	use	VERB
cjfa-34391	247	24	the	the	DET
cjfa-34391	247	25	multivariate	multivariate	NOUN
cjfa-34391	247	26	statistical	statistical	ADJ
cjfa-34391	247	27	technique	technique	NOUN
cjfa-34391	247	28	of	of	ADP
cjfa-34391	247	29	structural	structural	ADJ
cjfa-34391	247	30	equation	equation	NOUN
cjfa-34391	247	31	modelling	modelling	NOUN
cjfa-34391	247	32	.	.	PUNCT
cjfa-34391	248	1	the	the	DET
cjfa-34391	248	2	structural	structural	ADJ
cjfa-34391	248	3	equation	equation	NOUN
cjfa-34391	248	4	model	model	NOUN
cjfa-34391	248	5	was	be	AUX
cjfa-34391	248	6	constructed	construct	VERB
cjfa-34391	248	7	with	with	ADP
cjfa-34391	248	8	digital	digital	ADJ
cjfa-34391	248	9	financial	financial	ADJ
cjfa-34391	248	10	inclusion	inclusion	NOUN
cjfa-34391	248	11	as	as	ADP
cjfa-34391	248	12	the	the	DET
cjfa-34391	248	13	endogenous	endogenous	ADJ
cjfa-34391	248	14	variable	variable	NOUN
cjfa-34391	248	15	,	,	PUNCT
cjfa-34391	248	16	while	while	SCONJ
cjfa-34391	248	17	perception	perception	NOUN
cjfa-34391	248	18	of	of	ADP
cjfa-34391	248	19	conventional	conventional	ADJ
cjfa-34391	248	20	banking	banking	NOUN
cjfa-34391	248	21	and	and	CCONJ
cjfa-34391	248	22	finance	finance	NOUN
cjfa-34391	248	23	,	,	PUNCT
cjfa-34391	248	24	propensity	propensity	NOUN
cjfa-34391	248	25	to	to	PART
cjfa-34391	248	26	use	use	VERB
cjfa-34391	248	27	digital	digital	ADJ
cjfa-34391	248	28	technologies	technology	NOUN
cjfa-34391	248	29	,	,	PUNCT
cjfa-34391	248	30	and	and	CCONJ
cjfa-34391	248	31	mental	mental	ADJ
cjfa-34391	248	32	construct	construct	NOUN
cjfa-34391	248	33	of	of	ADP
cjfa-34391	248	34	digital	digital	ADJ
cjfa-34391	248	35	financial	financial	ADJ
cjfa-34391	248	36	inclusion	inclusion	NOUN
cjfa-34391	248	37	constituted	constitute	VERB
cjfa-34391	248	38	the	the	DET
cjfa-34391	248	39	exogenous	exogenous	ADJ
cjfa-34391	248	40	variables	variable	NOUN
cjfa-34391	248	41	.	.	PUNCT
cjfa-34391	249	1	the	the	DET
cjfa-34391	249	2	resultant	resultant	PROPN
cjfa-34391	249	3	path	path	NOUN
cjfa-34391	249	4	diagram	diagram	NOUN
cjfa-34391	249	5	of	of	ADP
cjfa-34391	249	6	the	the	DET
cjfa-34391	249	7	structural	structural	ADJ
cjfa-34391	249	8	equation	equation	NOUN
cjfa-34391	249	9	modelling	modelling	NOUN
cjfa-34391	249	10	was	be	AUX
cjfa-34391	249	11	generated	generate	VERB
cjfa-34391	249	12	to	to	PART
cjfa-34391	249	13	show	show	VERB
cjfa-34391	249	14	the	the	DET
cjfa-34391	249	15	standardized	standardized	ADJ
cjfa-34391	249	16	estimates	estimate	NOUN
cjfa-34391	249	17	of	of	ADP
cjfa-34391	249	18	the	the	DET
cjfa-34391	249	19	causal	causal	ADJ
cjfa-34391	249	20	relationships	relationship	NOUN
cjfa-34391	249	21	as	as	SCONJ
cjfa-34391	249	22	represented	represent	VERB
cjfa-34391	249	23	in	in	ADP
cjfa-34391	249	24	figure	figure	NOUN
cjfa-34391	249	25	6	6	NUM
cjfa-34391	249	26	.	.	PUNCT
cjfa-34391	250	1	figure	figure	NOUN
cjfa-34391	250	2	6	6	NUM
cjfa-34391	250	3	.	.	PUNCT
cjfa-34391	250	4	path	path	NOUN
cjfa-34391	250	5	diagram	diagram	NOUN
cjfa-34391	250	6	for	for	ADP
cjfa-34391	250	7	the	the	DET
cjfa-34391	250	8	mental	mental	ADJ
cjfa-34391	250	9	construction	construction	NOUN
cjfa-34391	250	10	of	of	ADP
cjfa-34391	250	11	digital	digital	ADJ
cjfa-34391	250	12	financial	financial	ADJ
cjfa-34391	250	13	inclusion	inclusion	NOUN
cjfa-34391	250	14	of	of	ADP
cjfa-34391	250	15	generation	generation	NOUN
cjfa-34391	250	16	z	z	NOUN
cjfa-34391	250	17	figure	figure	NOUN
cjfa-34391	250	18	6	6	NUM
cjfa-34391	250	19	.	.	PUNCT
cjfa-34391	250	20	path	path	NOUN
cjfa-34391	250	21	diagram	diagram	NOUN
cjfa-34391	250	22	for	for	ADP
cjfa-34391	250	23	the	the	DET
cjfa-34391	250	24	mental	mental	ADJ
cjfa-34391	250	25	construction	construction	NOUN
cjfa-34391	250	26	of	of	ADP
cjfa-34391	250	27	digital	digital	ADJ
cjfa-34391	250	28	financial	financial	ADJ
cjfa-34391	250	29	inclusion	inclusion	NOUN
cjfa-34391	250	30	of	of	ADP
cjfa-34391	250	31	generation	generation	NOUN
cjfa-34391	250	32	z	z	NOUN
cjfa-34391	250	33	source	source	NOUN
cjfa-34391	250	34	:	:	PUNCT
cjfa-34391	250	35	own	own	ADJ
cjfa-34391	250	36	study	study	NOUN
cjfa-34391	250	37	.	.	PUNCT
cjfa-34391	251	1	the	the	DET
cjfa-34391	251	2	path	path	NOUN
cjfa-34391	251	3	diagram	diagram	NOUN
cjfa-34391	251	4	in	in	ADP
cjfa-34391	251	5	figure	figure	NOUN
cjfa-34391	251	6	6	6	NUM
cjfa-34391	251	7	demonstrates	demonstrate	VERB
cjfa-34391	251	8	that	that	SCONJ
cjfa-34391	251	9	the	the	DET
cjfa-34391	251	10	digital	digital	ADJ
cjfa-34391	251	11	financial	financial	ADJ
cjfa-34391	251	12	inclusion	inclusion	NOUN
cjfa-34391	251	13	of	of	ADP
cjfa-34391	251	14	generation	generation	NOUN
cjfa-34391	251	15	z	z	PROPN
cjfa-34391	251	16	is	be	AUX
cjfa-34391	251	17	highly	highly	ADV
cjfa-34391	251	18	influenced	influence	VERB
cjfa-34391	251	19	by	by	ADP
cjfa-34391	251	20	the	the	DET
cjfa-34391	251	21	perception	perception	NOUN
cjfa-34391	251	22	of	of	ADP
cjfa-34391	251	23	generation	generation	NOUN
cjfa-34391	251	24	z	z	PROPN
cjfa-34391	251	25	of	of	ADP
cjfa-34391	251	26	the	the	DET
cjfa-34391	251	27	exclusivity	exclusivity	NOUN
cjfa-34391	251	28	of	of	ADP
cjfa-34391	251	29	conventional	conventional	ADJ
cjfa-34391	251	30	banking	banking	NOUN
cjfa-34391	251	31	and	and	CCONJ
cjfa-34391	251	32	finance	finance	NOUN
cjfa-34391	251	33	.	.	PUNCT
cjfa-34391	252	1	this	this	PRON
cjfa-34391	252	2	is	be	AUX
cjfa-34391	252	3	based	base	VERB
cjfa-34391	252	4	on	on	ADP
cjfa-34391	252	5	the	the	DET
cjfa-34391	252	6	resultant	resultant	NOUN
cjfa-34391	252	7	standardized	standardized	ADJ
cjfa-34391	252	8	coefficient	coefficient	NOUN
cjfa-34391	252	9	of	of	ADP
cjfa-34391	252	10	0.09	0.09	NUM
cjfa-34391	252	11	,	,	PUNCT
cjfa-34391	252	12	which	which	PRON
cjfa-34391	252	13	is	be	AUX
cjfa-34391	252	14	twice	twice	DET
cjfa-34391	252	15	the	the	DET
cjfa-34391	252	16	coefficient	coefficient	NOUN
cjfa-34391	252	17	for	for	ADP
cjfa-34391	252	18	the	the	DET
cjfa-34391	252	19	mental	mental	ADJ
cjfa-34391	252	20	construct	construct	NOUN
cjfa-34391	252	21	of	of	ADP
cjfa-34391	252	22	digital	digital	ADJ
cjfa-34391	252	23	financial	financial	ADJ
cjfa-34391	252	24	inclusion	inclusion	NOUN
cjfa-34391	252	25	,	,	PUNCT
cjfa-34391	252	26	and	and	CCONJ
cjfa-34391	252	27	nine	nine	NUM
cjfa-34391	252	28	times	time	NOUN
cjfa-34391	252	29	the	the	DET
cjfa-34391	252	30	coefficient	coefficient	NOUN
cjfa-34391	252	31	for	for	ADP
cjfa-34391	252	32	the	the	DET
cjfa-34391	252	33	propensity	propensity	NOUN
cjfa-34391	252	34	to	to	PART
cjfa-34391	252	35	use	use	VERB
cjfa-34391	252	36	digital	digital	ADJ
cjfa-34391	252	37	technologies	technology	NOUN
cjfa-34391	252	38	.	.	PUNCT
cjfa-34391	253	1	however	however	ADV
cjfa-34391	253	2	,	,	PUNCT
cjfa-34391	253	3	one	one	NUM
cjfa-34391	253	4	salient	salient	ADJ
cjfa-34391	253	5	feature	feature	NOUN
cjfa-34391	253	6	of	of	ADP
cjfa-34391	253	7	the	the	DET
cjfa-34391	253	8	results	result	NOUN
cjfa-34391	253	9	is	be	AUX
cjfa-34391	253	10	that	that	SCONJ
cjfa-34391	253	11	all	all	DET
cjfa-34391	253	12	the	the	DET
cjfa-34391	253	13	exogenous	exogenous	ADJ
cjfa-34391	253	14	variables	variable	NOUN
cjfa-34391	253	15	as	as	ADV
cjfa-34391	253	16	well	well	ADV
cjfa-34391	253	17	as	as	ADP
cjfa-34391	253	18	the	the	DET
cjfa-34391	253	19	unobserved	unobserved	ADJ
cjfa-34391	253	20	variables	variable	NOUN
cjfa-34391	253	21	were	be	AUX
cjfa-34391	253	22	all	all	PRON
cjfa-34391	253	23	statistically	statistically	ADV
cjfa-34391	253	24	significant	significant	ADJ
cjfa-34391	253	25	in	in	ADP
cjfa-34391	253	26	predicting	predict	VERB
cjfa-34391	253	27	the	the	DET
cjfa-34391	253	28	endogenous	endogenous	ADJ
cjfa-34391	253	29	variable	variable	NOUN
cjfa-34391	253	30	.	.	PUNCT
cjfa-34391	254	1	table	table	NOUN
cjfa-34391	254	2	3	3	NUM
cjfa-34391	254	3	shows	show	VERB
cjfa-34391	254	4	a	a	DET
cjfa-34391	254	5	p	p	NOUN
cjfa-34391	254	6	-	-	PUNCT
cjfa-34391	254	7	value	value	NOUN
cjfa-34391	254	8	of	of	ADP
cjfa-34391	254	9	0.001	0.001	NUM
cjfa-34391	254	10	for	for	ADP
cjfa-34391	254	11	all	all	DET
cjfa-34391	254	12	the	the	DET
cjfa-34391	254	13	variables	variable	NOUN
cjfa-34391	254	14	.	.	PUNCT
cjfa-34391	255	1	however	however	ADV
cjfa-34391	255	2	,	,	PUNCT
cjfa-34391	255	3	the	the	DET
cjfa-34391	255	4	mental	mental	ADJ
cjfa-34391	255	5	construct	construct	NOUN
cjfa-34391	255	6	of	of	ADP
cjfa-34391	255	7	digital	digital	ADJ
cjfa-34391	255	8	financial	financial	ADJ
cjfa-34391	255	9	inclusion	inclusion	NOUN
cjfa-34391	255	10	has	have	VERB
cjfa-34391	255	11	the	the	DET
cjfa-34391	255	12	highest	high	ADJ
cjfa-34391	255	13	direct	direct	ADJ
cjfa-34391	255	14	effect	effect	NOUN
cjfa-34391	255	15	(	(	PUNCT
cjfa-34391	255	16	1.883	1.883	NUM
cjfa-34391	255	17	)	)	PUNCT
cjfa-34391	255	18	on	on	ADP
cjfa-34391	255	19	the	the	DET
cjfa-34391	255	20	dependent	dependent	ADJ
cjfa-34391	255	21	variable	variable	NOUN
cjfa-34391	255	22	.	.	PUNCT
cjfa-34391	256	1	table	table	NOUN
cjfa-34391	256	2	3	3	NUM
cjfa-34391	256	3	.	.	PUNCT
cjfa-34391	257	1	statistical	statistical	ADJ
cjfa-34391	257	2	significance	significance	NOUN
cjfa-34391	257	3	of	of	ADP
cjfa-34391	257	4	the	the	DET
cjfa-34391	257	5	exogenous	exogenous	ADJ
cjfa-34391	257	6	and	and	CCONJ
cjfa-34391	257	7	unobserved	unobserved	ADJ
cjfa-34391	257	8	variables	variable	NOUN
cjfa-34391	257	9	parameters	parameter	NOUN
cjfa-34391	257	10	estimate	estimate	VERB
cjfa-34391	257	11	s.e	s.e	PROPN
cjfa-34391	257	12	.	.	PROPN
cjfa-34391	257	13	c.r	c.r	PROPN
cjfa-34391	257	14	.	.	PROPN
cjfa-34391	258	1	p	p	NOUN
cjfa-34391	258	2	-	-	PUNCT
cjfa-34391	258	3	value	value	NOUN
cjfa-34391	258	4	1	1	NUM
cjfa-34391	258	5	)	)	PUNCT
cjfa-34391	258	6	perception	perception	NOUN
cjfa-34391	258	7	of	of	ADP
cjfa-34391	258	8	banking	banking	NOUN
cjfa-34391	258	9	and	and	CCONJ
cjfa-34391	258	10	finance	finance	VERB
cjfa-34391	258	11	0.755	0.755	NUM
cjfa-34391	258	12	0.056	0.056	NUM
cjfa-34391	258	13	13.398	13.398	NUM
cjfa-34391	258	14	0.001	0.001	NUM
cjfa-34391	258	15	2	2	NUM
cjfa-34391	258	16	)	)	PUNCT
cjfa-34391	258	17	propensity	propensity	NOUN
cjfa-34391	258	18	to	to	PART
cjfa-34391	258	19	use	use	VERB
cjfa-34391	258	20	digital	digital	ADJ
cjfa-34391	258	21	technologies	technology	NOUN
cjfa-34391	258	22	0.030	0.030	NUM
cjfa-34391	258	23	0.002	0.002	NUM
cjfa-34391	258	24	13.398	13.398	NUM
cjfa-34391	258	25	0.001	0.001	NUM
cjfa-34391	258	26	3	3	NUM
cjfa-34391	258	27	)	)	PUNCT
cjfa-34391	258	28	mental	mental	ADJ
cjfa-34391	258	29	construct	construct	NOUN
cjfa-34391	258	30	of	of	ADP
cjfa-34391	258	31	digital	digital	ADJ
cjfa-34391	258	32	financial	financial	ADJ
cjfa-34391	258	33	inclusion	inclusion	NOUN
cjfa-34391	258	34	1.883	1.883	NUM
cjfa-34391	258	35	0.141	0.141	NUM
cjfa-34391	258	36	13.398	13.398	NUM
cjfa-34391	258	37	0.001	0.001	NUM
cjfa-34391	258	38	4	4	NUM
cjfa-34391	258	39	)	)	PUNCT
cjfa-34391	258	40	unobserved	unobserved	ADJ
cjfa-34391	258	41	,	,	PUNCT
cjfa-34391	258	42	e1	e1	VERB
cjfa-34391	258	43	0.330	0.330	NUM
cjfa-34391	258	44	0.025	0.025	NUM
cjfa-34391	258	45	13.398	13.398	NUM
cjfa-34391	258	46	0.001	0.001	NUM
cjfa-34391	258	47	source	source	NOUN
cjfa-34391	258	48	:	:	PUNCT
cjfa-34391	258	49	own	own	ADJ
cjfa-34391	258	50	study	study	NOUN
cjfa-34391	258	51	.	.	PUNCT
cjfa-34391	259	1	s	s	PART
cjfa-34391	259	2	o	o	X
cjfa-34391	259	3	u	u	NOUN
cjfa-34391	259	4	r	r	NOUN
cjfa-34391	259	5	c	c	NOUN
cjfa-34391	259	6	e	e	NOUN
cjfa-34391	259	7	:	:	PUNCT
cjfa-34391	259	8	own	own	ADJ
cjfa-34391	259	9	study	study	NOUN
cjfa-34391	259	10	.	.	PUNCT
cjfa-34391	260	1	diana	diana	PROPN
cjfa-34391	260	2	kangwa	kangwa	PROPN
cjfa-34391	260	3	,	,	PUNCT
cjfa-34391	260	4	joseph	joseph	PROPN
cjfa-34391	260	5	thokozani	thokozani	PROPN
cjfa-34391	260	6	mwale	mwale	PROPN
cjfa-34391	260	7	,	,	PUNCT
cjfa-34391	260	8	junaid	junaid	VERB
cjfa-34391	260	9	m.	m.	PROPN
cjfa-34391	260	10	shaikh46	shaikh46	PROPN
cjfa-34391	260	11	the	the	DET
cjfa-34391	260	12	path	path	NOUN
cjfa-34391	260	13	diagram	diagram	NOUN
cjfa-34391	260	14	in	in	ADP
cjfa-34391	260	15	figure	figure	NOUN
cjfa-34391	260	16	6	6	NUM
cjfa-34391	260	17	demonstrates	demonstrate	VERB
cjfa-34391	260	18	that	that	SCONJ
cjfa-34391	260	19	the	the	DET
cjfa-34391	260	20	digital	digital	ADJ
cjfa-34391	260	21	financial	financial	ADJ
cjfa-34391	260	22	inclusion	inclusion	NOUN
cjfa-34391	260	23	of	of	ADP
cjfa-34391	260	24	generation	generation	NOUN
cjfa-34391	260	25	z	z	PROPN
cjfa-34391	260	26	is	be	AUX
cjfa-34391	260	27	highly	highly	ADV
cjfa-34391	260	28	influenced	influence	VERB
cjfa-34391	260	29	by	by	ADP
cjfa-34391	260	30	the	the	DET
cjfa-34391	260	31	perception	perception	NOUN
cjfa-34391	260	32	of	of	ADP
cjfa-34391	260	33	generation	generation	NOUN
cjfa-34391	260	34	z	z	PROPN
cjfa-34391	260	35	of	of	ADP
cjfa-34391	260	36	the	the	DET
cjfa-34391	260	37	exclusivity	exclusivity	NOUN
cjfa-34391	260	38	of	of	ADP
cjfa-34391	260	39	conventional	conventional	ADJ
cjfa-34391	260	40	banking	banking	NOUN
cjfa-34391	260	41	and	and	CCONJ
cjfa-34391	260	42	finance	finance	NOUN
cjfa-34391	260	43	.	.	PUNCT
cjfa-34391	261	1	this	this	PRON
cjfa-34391	261	2	is	be	AUX
cjfa-34391	261	3	based	base	VERB
cjfa-34391	261	4	on	on	ADP
cjfa-34391	261	5	the	the	DET
cjfa-34391	261	6	resultant	resultant	NOUN
cjfa-34391	261	7	standardized	standardized	ADJ
cjfa-34391	261	8	coefficient	coefficient	NOUN
cjfa-34391	261	9	of	of	ADP
cjfa-34391	261	10	0.09	0.09	NUM
cjfa-34391	261	11	,	,	PUNCT
cjfa-34391	261	12	which	which	PRON
cjfa-34391	261	13	is	be	AUX
cjfa-34391	261	14	twice	twice	DET
cjfa-34391	261	15	the	the	DET
cjfa-34391	261	16	coefficient	coefficient	NOUN
cjfa-34391	261	17	for	for	ADP
cjfa-34391	261	18	the	the	DET
cjfa-34391	261	19	mental	mental	ADJ
cjfa-34391	261	20	construct	construct	NOUN
cjfa-34391	261	21	of	of	ADP
cjfa-34391	261	22	digital	digital	ADJ
cjfa-34391	261	23	financial	financial	ADJ
cjfa-34391	261	24	inclusion	inclusion	NOUN
cjfa-34391	261	25	,	,	PUNCT
cjfa-34391	261	26	and	and	CCONJ
cjfa-34391	261	27	nine	nine	NUM
cjfa-34391	261	28	times	time	NOUN
cjfa-34391	261	29	the	the	DET
cjfa-34391	261	30	coefficient	coefficient	NOUN
cjfa-34391	261	31	for	for	ADP
cjfa-34391	261	32	the	the	DET
cjfa-34391	261	33	propensity	propensity	NOUN
cjfa-34391	261	34	to	to	PART
cjfa-34391	261	35	use	use	VERB
cjfa-34391	261	36	digital	digital	ADJ
cjfa-34391	261	37	technologies	technology	NOUN
cjfa-34391	261	38	.	.	PUNCT
cjfa-34391	262	1	however	however	ADV
cjfa-34391	262	2	,	,	PUNCT
cjfa-34391	262	3	one	one	NUM
cjfa-34391	262	4	salient	salient	ADJ
cjfa-34391	262	5	feature	feature	NOUN
cjfa-34391	262	6	of	of	ADP
cjfa-34391	262	7	the	the	DET
cjfa-34391	262	8	results	result	NOUN
cjfa-34391	262	9	is	be	AUX
cjfa-34391	262	10	that	that	SCONJ
cjfa-34391	262	11	all	all	DET
cjfa-34391	262	12	the	the	DET
cjfa-34391	262	13	exogenous	exogenous	ADJ
cjfa-34391	262	14	variables	variable	NOUN
cjfa-34391	262	15	as	as	ADV
cjfa-34391	262	16	well	well	ADV
cjfa-34391	262	17	as	as	ADP
cjfa-34391	262	18	the	the	DET
cjfa-34391	262	19	unobserved	unobserved	ADJ
cjfa-34391	262	20	variables	variable	NOUN
cjfa-34391	262	21	were	be	AUX
cjfa-34391	262	22	all	all	PRON
cjfa-34391	262	23	statistically	statistically	ADV
cjfa-34391	262	24	significant	significant	ADJ
cjfa-34391	262	25	in	in	ADP
cjfa-34391	262	26	predicting	predict	VERB
cjfa-34391	262	27	the	the	DET
cjfa-34391	262	28	endogenous	endogenous	ADJ
cjfa-34391	262	29	variable	variable	NOUN
cjfa-34391	262	30	.	.	PUNCT
cjfa-34391	263	1	table	table	NOUN
cjfa-34391	263	2	3	3	NUM
cjfa-34391	263	3	shows	show	VERB
cjfa-34391	263	4	a	a	DET
cjfa-34391	263	5	p	p	NOUN
cjfa-34391	263	6	-	-	PUNCT
cjfa-34391	263	7	value	value	NOUN
cjfa-34391	263	8	of	of	ADP
cjfa-34391	263	9	0.001	0.001	NUM
cjfa-34391	263	10	for	for	ADP
cjfa-34391	263	11	all	all	DET
cjfa-34391	263	12	the	the	DET
cjfa-34391	263	13	variables	variable	NOUN
cjfa-34391	263	14	.	.	PUNCT
cjfa-34391	264	1	however	however	ADV
cjfa-34391	264	2	,	,	PUNCT
cjfa-34391	264	3	the	the	DET
cjfa-34391	264	4	mental	mental	ADJ
cjfa-34391	264	5	construct	construct	NOUN
cjfa-34391	264	6	of	of	ADP
cjfa-34391	264	7	digital	digital	ADJ
cjfa-34391	264	8	financial	financial	ADJ
cjfa-34391	264	9	inclusion	inclusion	NOUN
cjfa-34391	264	10	has	have	VERB
cjfa-34391	264	11	the	the	DET
cjfa-34391	264	12	highest	high	ADJ
cjfa-34391	264	13	direct	direct	ADJ
cjfa-34391	264	14	effect	effect	NOUN
cjfa-34391	264	15	(	(	PUNCT
cjfa-34391	264	16	1.883	1.883	NUM
cjfa-34391	264	17	)	)	PUNCT
cjfa-34391	264	18	on	on	ADP
cjfa-34391	264	19	the	the	DET
cjfa-34391	264	20	dependent	dependent	ADJ
cjfa-34391	264	21	variable	variable	NOUN
cjfa-34391	264	22	.	.	PUNCT
cjfa-34391	265	1	table	table	NOUN
cjfa-34391	265	2	3	3	NUM
cjfa-34391	265	3	.	.	PUNCT
cjfa-34391	266	1	statistical	statistical	ADJ
cjfa-34391	266	2	significance	significance	NOUN
cjfa-34391	266	3	of	of	ADP
cjfa-34391	266	4	the	the	DET
cjfa-34391	266	5	exogenous	exogenous	ADJ
cjfa-34391	266	6	and	and	CCONJ
cjfa-34391	266	7	unobserved	unobserved	ADJ
cjfa-34391	266	8	variables	variable	NOUN
cjfa-34391	266	9	parameters	parameter	NOUN
cjfa-34391	266	10	estimate	estimate	VERB
cjfa-34391	266	11	s.e	s.e	PROPN
cjfa-34391	266	12	.	.	PROPN
cjfa-34391	266	13	c.r	c.r	PROPN
cjfa-34391	266	14	.	.	PROPN
cjfa-34391	267	1	p	p	NOUN
cjfa-34391	267	2	-	-	PUNCT
cjfa-34391	267	3	value	value	NOUN
cjfa-34391	267	4	1	1	NUM
cjfa-34391	267	5	.	.	PUNCT
cjfa-34391	267	6	perception	perception	NOUN
cjfa-34391	267	7	of	of	ADP
cjfa-34391	267	8	banking	banking	NOUN
cjfa-34391	267	9	and	and	CCONJ
cjfa-34391	267	10	finance	finance	VERB
cjfa-34391	267	11	0.755	0.755	NUM
cjfa-34391	267	12	0.056	0.056	NUM
cjfa-34391	267	13	13.398	13.398	NUM
cjfa-34391	267	14	0.001	0.001	NUM
cjfa-34391	267	15	2	2	NUM
cjfa-34391	267	16	.	.	PUNCT
cjfa-34391	267	17	propensity	propensity	NOUN
cjfa-34391	267	18	to	to	PART
cjfa-34391	267	19	use	use	VERB
cjfa-34391	267	20	digital	digital	ADJ
cjfa-34391	267	21	technologies	technology	NOUN
cjfa-34391	267	22	0.030	0.030	NUM
cjfa-34391	267	23	0.002	0.002	NUM
cjfa-34391	267	24	13.398	13.398	NUM
cjfa-34391	267	25	0.001	0.001	NUM
cjfa-34391	267	26	3	3	NUM
cjfa-34391	267	27	.	.	PUNCT
cjfa-34391	267	28	mental	mental	ADJ
cjfa-34391	267	29	construct	construct	NOUN
cjfa-34391	267	30	of	of	ADP
cjfa-34391	267	31	digital	digital	ADJ
cjfa-34391	267	32	financial	financial	ADJ
cjfa-34391	267	33	inclusion	inclusion	NOUN
cjfa-34391	267	34	1.883	1.883	NUM
cjfa-34391	267	35	0.141	0.141	NUM
cjfa-34391	267	36	13.398	13.398	NUM
cjfa-34391	267	37	0.001	0.001	NUM
cjfa-34391	267	38	4	4	NUM
cjfa-34391	267	39	.	.	PUNCT
cjfa-34391	267	40	unobserved	unobserved	ADJ
cjfa-34391	267	41	,	,	PUNCT
cjfa-34391	267	42	e1	e1	VERB
cjfa-34391	267	43	0.330	0.330	NUM
cjfa-34391	267	44	0.025	0.025	NUM
cjfa-34391	267	45	13.398	13.398	NUM
cjfa-34391	267	46	0.001	0.001	NUM
cjfa-34391	267	47	s	s	NOUN
cjfa-34391	267	48	o	o	X
cjfa-34391	267	49	u	u	NOUN
cjfa-34391	267	50	r	r	NOUN
cjfa-34391	267	51	c	c	NOUN
cjfa-34391	267	52	e	e	NOUN
cjfa-34391	267	53	:	:	PUNCT
cjfa-34391	267	54	own	own	ADJ
cjfa-34391	267	55	study	study	NOUN
cjfa-34391	267	56	.	.	PUNCT
cjfa-34391	268	1	another	another	DET
cjfa-34391	268	2	important	important	ADJ
cjfa-34391	268	3	result	result	NOUN
cjfa-34391	268	4	of	of	ADP
cjfa-34391	268	5	the	the	DET
cjfa-34391	268	6	data	datum	NOUN
cjfa-34391	268	7	analysis	analysis	NOUN
cjfa-34391	268	8	is	be	AUX
cjfa-34391	268	9	of	of	ADP
cjfa-34391	268	10	the	the	DET
cjfa-34391	268	11	two	two	NUM
cjfa-34391	268	12	-	-	PUNCT
cjfa-34391	268	13	tailed	tail	VERB
cjfa-34391	268	14	test	test	NOUN
cjfa-34391	268	15	of	of	ADP
cjfa-34391	268	16	significance	significance	NOUN
cjfa-34391	268	17	(	(	PUNCT
cjfa-34391	268	18	see	see	VERB
cjfa-34391	268	19	table	table	NOUN
cjfa-34391	268	20	4	4	NUM
cjfa-34391	268	21	)	)	PUNCT
cjfa-34391	268	22	,	,	PUNCT
cjfa-34391	268	23	which	which	PRON
cjfa-34391	268	24	showed	show	VERB
cjfa-34391	268	25	that	that	SCONJ
cjfa-34391	268	26	the	the	DET
cjfa-34391	268	27	mental	mental	ADJ
cjfa-34391	268	28	construct	construct	NOUN
cjfa-34391	268	29	of	of	ADP
cjfa-34391	268	30	digital	digital	ADJ
cjfa-34391	268	31	financial	financial	ADJ
cjfa-34391	268	32	inclusion	inclusion	NOUN
cjfa-34391	268	33	had	have	VERB
cjfa-34391	268	34	the	the	DET
cjfa-34391	268	35	most	most	ADV
cjfa-34391	268	36	direct	direct	ADJ
cjfa-34391	268	37	effect	effect	NOUN
cjfa-34391	268	38	on	on	ADP
cjfa-34391	268	39	the	the	DET
cjfa-34391	268	40	need	need	NOUN
cjfa-34391	268	41	for	for	ADP
cjfa-34391	268	42	digital	digital	ADJ
cjfa-34391	268	43	financial	financial	ADJ
cjfa-34391	268	44	inclusion	inclusion	NOUN
cjfa-34391	268	45	of	of	ADP
cjfa-34391	268	46	generation	generation	NOUN
cjfa-34391	268	47	z	z	PROPN
cjfa-34391	268	48	as	as	SCONJ
cjfa-34391	268	49	compared	compare	VERB
cjfa-34391	268	50	to	to	ADP
cjfa-34391	268	51	the	the	DET
cjfa-34391	268	52	perception	perception	NOUN
cjfa-34391	268	53	of	of	ADP
cjfa-34391	268	54	banking	banking	NOUN
cjfa-34391	268	55	and	and	CCONJ
cjfa-34391	268	56	finance	finance	NOUN
cjfa-34391	268	57	,	,	PUNCT
cjfa-34391	268	58	and	and	CCONJ
cjfa-34391	268	59	the	the	DET
cjfa-34391	268	60	propensity	propensity	NOUN
cjfa-34391	268	61	to	to	PART
cjfa-34391	268	62	use	use	VERB
cjfa-34391	268	63	digital	digital	ADJ
cjfa-34391	268	64	technologies	technology	NOUN
cjfa-34391	268	65	.	.	PUNCT
cjfa-34391	269	1	table	table	NOUN
cjfa-34391	269	2	4	4	NUM
cjfa-34391	269	3	.	.	X
cjfa-34391	269	4	two	two	NUM
cjfa-34391	269	5	-	-	PUNCT
cjfa-34391	269	6	tailed	tail	VERB
cjfa-34391	269	7	test	test	NOUN
cjfa-34391	269	8	of	of	ADP
cjfa-34391	269	9	significance	significance	NOUN
cjfa-34391	269	10	of	of	ADP
cjfa-34391	269	11	the	the	DET
cjfa-34391	269	12	standardized	standardized	ADJ
cjfa-34391	269	13	direct	direct	ADJ
cjfa-34391	269	14	effects	effect	NOUN
cjfa-34391	269	15	mental	mental	ADJ
cjfa-34391	269	16	construct	construct	NOUN
cjfa-34391	269	17	of	of	ADP
cjfa-34391	269	18	digital	digital	ADJ
cjfa-34391	269	19	financial	financial	ADJ
cjfa-34391	269	20	inclusion	inclusion	NOUN
cjfa-34391	269	21	propensity	propensity	NOUN
cjfa-34391	269	22	to	to	PART
cjfa-34391	269	23	use	use	VERB
cjfa-34391	269	24	digital	digital	ADJ
cjfa-34391	269	25	technologies	technology	NOUN
cjfa-34391	269	26	perception	perception	NOUN
cjfa-34391	269	27	of	of	ADP
cjfa-34391	269	28	banking	banking	NOUN
cjfa-34391	269	29	and	and	CCONJ
cjfa-34391	269	30	finance	finance	VERB
cjfa-34391	269	31	digital	digital	ADJ
cjfa-34391	269	32	financial	financial	ADJ
cjfa-34391	269	33	inclusion	inclusion	NOUN
cjfa-34391	269	34	0.365	0.365	NUM
cjfa-34391	269	35	0.051	0.051	NUM
cjfa-34391	269	36	0.166	0.166	NUM
cjfa-34391	269	37	s	s	NOUN
cjfa-34391	269	38	o	o	X
cjfa-34391	269	39	u	u	NOUN
cjfa-34391	269	40	r	r	NOUN
cjfa-34391	269	41	c	c	NOUN
cjfa-34391	269	42	e	e	NOUN
cjfa-34391	269	43	:	:	PUNCT
cjfa-34391	269	44	own	own	ADJ
cjfa-34391	269	45	study	study	NOUN
cjfa-34391	269	46	.	.	PUNCT
cjfa-34391	270	1	co	co	VERB
cjfa-34391	270	2	-	-	ADJ
cjfa-34391	270	3	evolutionary	evolutionary	ADJ
cjfa-34391	270	4	dynamics	dynamic	NOUN
cjfa-34391	270	5	of	of	ADP
cjfa-34391	270	6	financial	financial	ADJ
cjfa-34391	270	7	inclusion	inclusion	NOUN
cjfa-34391	270	8	of	of	ADP
cjfa-34391	270	9	generation	generation	NOUN
cjfa-34391	270	10	z	z	PROPN
cjfa-34391	270	11	…	…	PUNCT
cjfa-34391	270	12	47	47	NUM
cjfa-34391	270	13	this	this	DET
cjfa-34391	270	14	research	research	NOUN
cjfa-34391	270	15	brings	bring	VERB
cjfa-34391	270	16	a	a	DET
cjfa-34391	270	17	balanced	balanced	ADJ
cjfa-34391	270	18	perspective	perspective	NOUN
cjfa-34391	270	19	to	to	ADP
cjfa-34391	270	20	the	the	DET
cjfa-34391	270	21	quest	quest	NOUN
cjfa-34391	270	22	for	for	ADP
cjfa-34391	270	23	the	the	DET
cjfa-34391	270	24	development	development	NOUN
cjfa-34391	270	25	of	of	ADP
cjfa-34391	270	26	inclusive	inclusive	ADJ
cjfa-34391	270	27	financial	financial	ADJ
cjfa-34391	270	28	business	business	NOUN
cjfa-34391	270	29	models	model	NOUN
cjfa-34391	270	30	,	,	PUNCT
cjfa-34391	270	31	particularly	particularly	ADV
cjfa-34391	270	32	in	in	ADP
cjfa-34391	270	33	sub	sub	ADJ
cjfa-34391	270	34	-	-	ADJ
cjfa-34391	270	35	saharan	saharan	ADJ
cjfa-34391	270	36	africa	africa	PROPN
cjfa-34391	270	37	where	where	SCONJ
cjfa-34391	270	38	there	there	PRON
cjfa-34391	270	39	is	be	VERB
cjfa-34391	270	40	a	a	DET
cjfa-34391	270	41	demographic	demographic	ADJ
cjfa-34391	270	42	boom	boom	NOUN
cjfa-34391	270	43	of	of	ADP
cjfa-34391	270	44	young	young	ADJ
cjfa-34391	270	45	people	people	NOUN
cjfa-34391	270	46	with	with	ADP
cjfa-34391	270	47	a	a	DET
cjfa-34391	270	48	growing	grow	VERB
cjfa-34391	270	49	propensity	propensity	NOUN
cjfa-34391	270	50	for	for	ADP
cjfa-34391	270	51	digital	digital	ADJ
cjfa-34391	270	52	consumerism	consumerism	NOUN
cjfa-34391	270	53	.	.	PUNCT
cjfa-34391	271	1	as	as	SCONJ
cjfa-34391	271	2	such	such	DET
cjfa-34391	271	3	the	the	DET
cjfa-34391	271	4	research	research	NOUN
cjfa-34391	271	5	contributes	contribute	VERB
cjfa-34391	271	6	an	an	DET
cjfa-34391	271	7	advanced	advanced	ADJ
cjfa-34391	271	8	understanding	understanding	NOUN
cjfa-34391	271	9	of	of	ADP
cjfa-34391	271	10	the	the	DET
cjfa-34391	271	11	co	co	ADJ
cjfa-34391	271	12	-	-	ADJ
cjfa-34391	271	13	evolutionary	evolutionary	ADJ
cjfa-34391	271	14	dynamics	dynamic	NOUN
cjfa-34391	271	15	of	of	ADP
cjfa-34391	271	16	financial	financial	ADJ
cjfa-34391	271	17	inclusion	inclusion	NOUN
cjfa-34391	271	18	within	within	ADP
cjfa-34391	271	19	a	a	DET
cjfa-34391	271	20	complex	complex	ADJ
cjfa-34391	271	21	adaptive	adaptive	ADJ
cjfa-34391	271	22	financial	financial	ADJ
cjfa-34391	271	23	ecosystem	ecosystem	NOUN
cjfa-34391	271	24	that	that	PRON
cjfa-34391	271	25	is	be	AUX
cjfa-34391	271	26	rapidly	rapidly	ADV
cjfa-34391	271	27	undergoing	undergo	VERB
cjfa-34391	271	28	digital	digital	ADJ
cjfa-34391	271	29	transformation	transformation	NOUN
cjfa-34391	271	30	.	.	PUNCT
cjfa-34391	272	1	to	to	ADP
cjfa-34391	272	2	this	this	DET
cjfa-34391	272	3	effect	effect	NOUN
cjfa-34391	272	4	,	,	PUNCT
cjfa-34391	272	5	financial	financial	ADJ
cjfa-34391	272	6	business	business	NOUN
cjfa-34391	272	7	models	model	NOUN
cjfa-34391	272	8	in	in	ADP
cjfa-34391	272	9	the	the	DET
cjfa-34391	272	10	era	era	NOUN
cjfa-34391	272	11	of	of	ADP
cjfa-34391	272	12	the	the	DET
cjfa-34391	272	13	fourth	fourth	PROPN
cjfa-34391	272	14	industrial	industrial	ADJ
cjfa-34391	272	15	revolution	revolution	NOUN
cjfa-34391	272	16	must	must	AUX
cjfa-34391	272	17	focus	focus	VERB
cjfa-34391	272	18	on	on	ADP
cjfa-34391	272	19	enhancing	enhance	VERB
cjfa-34391	272	20	financial	financial	ADJ
cjfa-34391	272	21	capability	capability	NOUN
cjfa-34391	272	22	and	and	CCONJ
cjfa-34391	272	23	participatory	participatory	ADJ
cjfa-34391	272	24	accountability	accountability	NOUN
cjfa-34391	272	25	of	of	ADP
cjfa-34391	272	26	the	the	DET
cjfa-34391	272	27	clientele	clientele	NOUN
cjfa-34391	272	28	.	.	PUNCT
cjfa-34391	273	1	while	while	SCONJ
cjfa-34391	273	2	a	a	DET
cjfa-34391	273	3	co	co	ADJ
cjfa-34391	273	4	-	-	ADJ
cjfa-34391	273	5	evolutionary	evolutionary	ADJ
cjfa-34391	273	6	perspective	perspective	NOUN
cjfa-34391	273	7	may	may	AUX
cjfa-34391	273	8	be	be	AUX
cjfa-34391	273	9	appropriate	appropriate	ADJ
cjfa-34391	273	10	for	for	ADP
cjfa-34391	273	11	studying	study	VERB
cjfa-34391	273	12	the	the	DET
cjfa-34391	273	13	increasingly	increasingly	ADV
cjfa-34391	273	14	complex	complex	ADJ
cjfa-34391	273	15	business	business	NOUN
cjfa-34391	273	16	ecosystems	ecosystem	NOUN
cjfa-34391	273	17	,	,	PUNCT
cjfa-34391	273	18	clearly	clearly	ADV
cjfa-34391	273	19	identifying	identify	VERB
cjfa-34391	273	20	the	the	DET
cjfa-34391	273	21	co	co	ADJ
cjfa-34391	273	22	-	-	ADJ
cjfa-34391	273	23	evolutionary	evolutionary	ADJ
cjfa-34391	273	24	mechanism	mechanism	NOUN
cjfa-34391	273	25	can	can	AUX
cjfa-34391	273	26	be	be	AUX
cjfa-34391	273	27	challenging	challenge	VERB
cjfa-34391	273	28	.	.	PUNCT
cjfa-34391	274	1	in	in	ADP
cjfa-34391	274	2	this	this	DET
cjfa-34391	274	3	vein	vein	NOUN
cjfa-34391	274	4	,	,	PUNCT
cjfa-34391	274	5	breslin	breslin	PROPN
cjfa-34391	274	6	,	,	PUNCT
cjfa-34391	274	7	romano	romano	NOUN
cjfa-34391	274	8	and	and	CCONJ
cjfa-34391	274	9	percival	percival	PROPN
cjfa-34391	274	10	(	(	PUNCT
cjfa-34391	274	11	2016	2016	NUM
cjfa-34391	274	12	)	)	PUNCT
cjfa-34391	274	13	suggest	suggest	VERB
cjfa-34391	274	14	that	that	SCONJ
cjfa-34391	274	15	co	co	ADJ
cjfa-34391	274	16	-	-	ADJ
cjfa-34391	274	17	evolutionary	evolutionary	ADJ
cjfa-34391	274	18	studies	study	NOUN
cjfa-34391	274	19	need	need	VERB
cjfa-34391	274	20	to	to	PART
cjfa-34391	274	21	identify	identify	VERB
cjfa-34391	274	22	measures	measure	NOUN
cjfa-34391	274	23	at	at	ADP
cjfa-34391	274	24	multiple	multiple	ADJ
cjfa-34391	274	25	levels	level	NOUN
cjfa-34391	274	26	within	within	ADP
cjfa-34391	274	27	the	the	DET
cjfa-34391	274	28	organization	organization	NOUN
cjfa-34391	274	29	’s	’s	PART
cjfa-34391	274	30	hierarchy	hierarchy	NOUN
cjfa-34391	274	31	to	to	PART
cjfa-34391	274	32	capture	capture	VERB
cjfa-34391	274	33	the	the	DET
cjfa-34391	274	34	co	co	ADJ
cjfa-34391	274	35	-	-	ADJ
cjfa-34391	274	36	evolutionary	evolutionary	ADJ
cjfa-34391	274	37	nature	nature	NOUN
cjfa-34391	274	38	of	of	ADP
cjfa-34391	274	39	changing	change	VERB
cjfa-34391	274	40	ideas	idea	NOUN
cjfa-34391	274	41	,	,	PUNCT
cjfa-34391	274	42	capabilities	capability	NOUN
cjfa-34391	274	43	and	and	CCONJ
cjfa-34391	274	44	knowledge	knowledge	NOUN
cjfa-34391	274	45	.	.	PUNCT
cjfa-34391	275	1	another	another	DET
cjfa-34391	275	2	challenge	challenge	NOUN
cjfa-34391	275	3	is	be	AUX
cjfa-34391	275	4	taking	take	VERB
cjfa-34391	275	5	the	the	DET
cjfa-34391	275	6	temporal	temporal	ADJ
cjfa-34391	275	7	dimension	dimension	NOUN
cjfa-34391	275	8	into	into	ADP
cjfa-34391	275	9	account	account	NOUN
cjfa-34391	275	10	.	.	PUNCT
cjfa-34391	276	1	lewin	lewin	PROPN
cjfa-34391	276	2	and	and	CCONJ
cjfa-34391	276	3	volberda	volberda	PROPN
cjfa-34391	276	4	(	(	PUNCT
cjfa-34391	276	5	1999	1999	NUM
cjfa-34391	276	6	)	)	PUNCT
cjfa-34391	276	7	advise	advise	VERB
cjfa-34391	276	8	that	that	SCONJ
cjfa-34391	276	9	co	co	ADJ
cjfa-34391	276	10	-	-	ADJ
cjfa-34391	276	11	evolutionary	evolutionary	ADJ
cjfa-34391	276	12	studies	study	NOUN
cjfa-34391	276	13	need	need	VERB
cjfa-34391	276	14	to	to	PART
cjfa-34391	276	15	be	be	AUX
cjfa-34391	276	16	conducted	conduct	VERB
cjfa-34391	276	17	over	over	ADP
cjfa-34391	276	18	a	a	DET
cjfa-34391	276	19	long	long	ADJ
cjfa-34391	276	20	period	period	NOUN
cjfa-34391	276	21	of	of	ADP
cjfa-34391	276	22	time	time	NOUN
cjfa-34391	276	23	within	within	ADP
cjfa-34391	276	24	a	a	DET
cjfa-34391	276	25	historical	historical	ADJ
cjfa-34391	276	26	context	context	NOUN
cjfa-34391	276	27	.	.	PUNCT
cjfa-34391	277	1	this	this	DET
cjfa-34391	277	2	research	research	NOUN
cjfa-34391	277	3	was	be	AUX
cjfa-34391	277	4	delimited	delimit	VERB
cjfa-34391	277	5	to	to	ADP
cjfa-34391	277	6	an	an	DET
cjfa-34391	277	7	instrumental	instrumental	ADJ
cjfa-34391	277	8	case	case	NOUN
cjfa-34391	277	9	study	study	NOUN
cjfa-34391	277	10	of	of	ADP
cjfa-34391	277	11	a	a	DET
cjfa-34391	277	12	digital	digital	ADJ
cjfa-34391	277	13	financial	financial	ADJ
cjfa-34391	277	14	ecosystem	ecosystem	NOUN
cjfa-34391	277	15	.	.	PUNCT
cjfa-34391	278	1	consequently	consequently	ADV
cjfa-34391	278	2	,	,	PUNCT
cjfa-34391	278	3	latent	latent	NOUN
cjfa-34391	278	4	variables	variable	NOUN
cjfa-34391	278	5	for	for	ADP
cjfa-34391	278	6	the	the	DET
cjfa-34391	278	7	co	co	ADJ
cjfa-34391	278	8	-	-	ADJ
cjfa-34391	278	9	evolutionary	evolutionary	ADJ
cjfa-34391	278	10	dynamics	dynamic	NOUN
cjfa-34391	278	11	of	of	ADP
cjfa-34391	278	12	financial	financial	ADJ
cjfa-34391	278	13	inclusion	inclusion	NOUN
cjfa-34391	278	14	may	may	AUX
cjfa-34391	278	15	not	not	PART
cjfa-34391	278	16	have	have	AUX
cjfa-34391	278	17	been	be	AUX
cjfa-34391	278	18	captured	capture	VERB
cjfa-34391	278	19	.	.	PUNCT
cjfa-34391	279	1	therefore	therefore	ADV
cjfa-34391	279	2	,	,	PUNCT
cjfa-34391	279	3	future	future	ADJ
cjfa-34391	279	4	research	research	NOUN
cjfa-34391	279	5	of	of	ADP
cjfa-34391	279	6	this	this	DET
cjfa-34391	279	7	nature	nature	NOUN
cjfa-34391	279	8	needs	need	VERB
cjfa-34391	279	9	to	to	PART
cjfa-34391	279	10	consider	consider	VERB
cjfa-34391	279	11	modelling	model	VERB
cjfa-34391	279	12	the	the	DET
cjfa-34391	279	13	digital	digital	ADJ
cjfa-34391	279	14	financial	financial	ADJ
cjfa-34391	279	15	inclusion	inclusion	NOUN
cjfa-34391	279	16	as	as	ADP
cjfa-34391	279	17	an	an	DET
cjfa-34391	279	18	evolutionary	evolutionary	ADJ
cjfa-34391	279	19	game	game	NOUN
cjfa-34391	279	20	.	.	PUNCT
cjfa-34391	279	21	 	 	SPACE
cjfa-34391	280	1	conclusions	conclusion	NOUN
cjfa-34391	280	2	with	with	ADP
cjfa-34391	280	3	the	the	DET
cjfa-34391	280	4	growing	grow	VERB
cjfa-34391	280	5	digital	digital	ADJ
cjfa-34391	280	6	consumerism	consumerism	NOUN
cjfa-34391	280	7	in	in	ADP
cjfa-34391	280	8	modern	modern	ADJ
cjfa-34391	280	9	society	society	NOUN
cjfa-34391	280	10	that	that	PRON
cjfa-34391	280	11	weaves	weave	VERB
cjfa-34391	280	12	higher	high	ADJ
cjfa-34391	280	13	expectations	expectation	NOUN
cjfa-34391	280	14	of	of	ADP
cjfa-34391	280	15	customer	customer	NOUN
cjfa-34391	280	16	experience	experience	NOUN
cjfa-34391	280	17	,	,	PUNCT
cjfa-34391	280	18	this	this	DET
cjfa-34391	280	19	paper	paper	NOUN
cjfa-34391	280	20	explored	explore	VERB
cjfa-34391	280	21	the	the	DET
cjfa-34391	280	22	co	co	ADJ
cjfa-34391	280	23	-	-	ADJ
cjfa-34391	280	24	evolutionary	evolutionary	ADJ
cjfa-34391	280	25	dynamics	dynamic	NOUN
cjfa-34391	280	26	of	of	ADP
cjfa-34391	280	27	financial	financial	ADJ
cjfa-34391	280	28	inclusion	inclusion	NOUN
cjfa-34391	280	29	of	of	ADP
cjfa-34391	280	30	generation	generation	NOUN
cjfa-34391	280	31	z	z	PROPN
cjfa-34391	280	32	in	in	ADP
cjfa-34391	280	33	digital	digital	ADJ
cjfa-34391	280	34	financial	financial	ADJ
cjfa-34391	280	35	ecosystems	ecosystem	NOUN
cjfa-34391	280	36	.	.	PUNCT
cjfa-34391	281	1	the	the	DET
cjfa-34391	281	2	objectives	objective	NOUN
cjfa-34391	281	3	of	of	ADP
cjfa-34391	281	4	the	the	DET
cjfa-34391	281	5	paper	paper	NOUN
cjfa-34391	281	6	were	be	AUX
cjfa-34391	281	7	twofold	twofold	ADV
cjfa-34391	281	8	:	:	PUNCT
cjfa-34391	281	9	firstly	firstly	ADV
cjfa-34391	281	10	,	,	PUNCT
cjfa-34391	281	11	to	to	PART
cjfa-34391	281	12	characterise	characterise	VERB
cjfa-34391	281	13	the	the	DET
cjfa-34391	281	14	dynamic	dynamic	ADJ
cjfa-34391	281	15	complexity	complexity	NOUN
cjfa-34391	281	16	of	of	ADP
cjfa-34391	281	17	a	a	DET
cjfa-34391	281	18	digital	digital	ADJ
cjfa-34391	281	19	financial	financial	ADJ
cjfa-34391	281	20	ecosystem	ecosystem	NOUN
cjfa-34391	281	21	;	;	PUNCT
cjfa-34391	281	22	and	and	CCONJ
cjfa-34391	281	23	secondly	secondly	ADV
cjfa-34391	281	24	,	,	PUNCT
cjfa-34391	281	25	to	to	PART
cjfa-34391	281	26	visually	visually	ADV
cjfa-34391	281	27	quantify	quantify	VERB
cjfa-34391	281	28	the	the	DET
cjfa-34391	281	29	co	co	ADJ
cjfa-34391	281	30	-	-	ADJ
cjfa-34391	281	31	evolutionary	evolutionary	ADJ
cjfa-34391	281	32	dynamics	dynamic	NOUN
cjfa-34391	281	33	of	of	ADP
cjfa-34391	281	34	financial	financial	ADJ
cjfa-34391	281	35	inclusion	inclusion	NOUN
cjfa-34391	281	36	of	of	ADP
cjfa-34391	281	37	generation	generation	NOUN
cjfa-34391	281	38	z	z	NOUN
cjfa-34391	281	39	in	in	ADP
cjfa-34391	281	40	the	the	DET
cjfa-34391	281	41	digital	digital	ADJ
cjfa-34391	281	42	financial	financial	ADJ
cjfa-34391	281	43	ecosystem	ecosystem	NOUN
cjfa-34391	281	44	set	set	VERB
cjfa-34391	281	45	within	within	ADP
cjfa-34391	281	46	sub	sub	ADJ
cjfa-34391	281	47	-	-	ADJ
cjfa-34391	281	48	saharan	saharan	ADJ
cjfa-34391	281	49	africa	africa	PROPN
cjfa-34391	281	50	.	.	PUNCT
cjfa-34391	282	1	the	the	DET
cjfa-34391	282	2	paper	paper	NOUN
cjfa-34391	282	3	has	have	AUX
cjfa-34391	282	4	demonstrated	demonstrate	VERB
cjfa-34391	282	5	that	that	SCONJ
cjfa-34391	282	6	digital	digital	ADJ
cjfa-34391	282	7	financial	financial	ADJ
cjfa-34391	282	8	inclusion	inclusion	NOUN
cjfa-34391	282	9	occurs	occur	VERB
cjfa-34391	282	10	within	within	ADP
cjfa-34391	282	11	a	a	DET
cjfa-34391	282	12	continuum	continuum	NOUN
cjfa-34391	282	13	of	of	ADP
cjfa-34391	282	14	co	co	ADJ
cjfa-34391	282	15	-	-	ADJ
cjfa-34391	282	16	evolutionary	evolutionary	ADJ
cjfa-34391	282	17	dynamics	dynamic	NOUN
cjfa-34391	282	18	in	in	ADP
cjfa-34391	282	19	which	which	PRON
cjfa-34391	282	20	the	the	DET
cjfa-34391	282	21	financial	financial	ADJ
cjfa-34391	282	22	institutions	institution	NOUN
cjfa-34391	282	23	build	build	VERB
cjfa-34391	282	24	consumer	consumer	NOUN
cjfa-34391	282	25	demand	demand	NOUN
cjfa-34391	282	26	for	for	ADP
cjfa-34391	282	27	digital	digital	ADJ
cjfa-34391	282	28	financial	financial	ADJ
cjfa-34391	282	29	services	service	NOUN
cjfa-34391	282	30	based	base	VERB
cjfa-34391	282	31	on	on	ADP
cjfa-34391	282	32	the	the	DET
cjfa-34391	282	33	participatory	participatory	ADJ
cjfa-34391	282	34	accountability	accountability	NOUN
cjfa-34391	282	35	and	and	CCONJ
cjfa-34391	282	36	financial	financial	ADJ
cjfa-34391	282	37	capability	capability	NOUN
cjfa-34391	282	38	of	of	ADP
cjfa-34391	282	39	the	the	DET
cjfa-34391	282	40	clientele	clientele	NOUN
cjfa-34391	282	41	.	.	PUNCT
cjfa-34391	283	1	the	the	DET
cjfa-34391	283	2	paper	paper	NOUN
cjfa-34391	283	3	concludes	conclude	VERB
cjfa-34391	283	4	that	that	SCONJ
cjfa-34391	283	5	digital	digital	ADJ
cjfa-34391	283	6	financial	financial	ADJ
cjfa-34391	283	7	inclusion	inclusion	NOUN
cjfa-34391	283	8	is	be	AUX
cjfa-34391	283	9	an	an	DET
cjfa-34391	283	10	emergent	emergent	ADJ
cjfa-34391	283	11	outcome	outcome	NOUN
cjfa-34391	283	12	of	of	ADP
cjfa-34391	283	13	the	the	DET
cjfa-34391	283	14	complex	complex	ADJ
cjfa-34391	283	15	adaptive	adaptive	ADJ
cjfa-34391	283	16	behaviour	behaviour	NOUN
cjfa-34391	283	17	of	of	ADP
cjfa-34391	283	18	a	a	DET
cjfa-34391	283	19	fidiana	fidiana	PROPN
cjfa-34391	283	20	kangwa	kangwa	PROPN
cjfa-34391	283	21	,	,	PUNCT
cjfa-34391	283	22	joseph	joseph	PROPN
cjfa-34391	283	23	thokozani	thokozani	PROPN
cjfa-34391	283	24	mwale	mwale	PROPN
cjfa-34391	283	25	,	,	PUNCT
cjfa-34391	283	26	junaid	junaid	VERB
cjfa-34391	283	27	m.	m.	PROPN
cjfa-34391	283	28	shaikh48	shaikh48	PROPN
cjfa-34391	283	29	nancial	nancial	PROPN
cjfa-34391	283	30	business	business	NOUN
cjfa-34391	283	31	ecosystem	ecosystem	NOUN
cjfa-34391	283	32	in	in	ADP
cjfa-34391	283	33	the	the	DET
cjfa-34391	283	34	increasingly	increasingly	ADV
cjfa-34391	283	35	digitising	digitise	VERB
cjfa-34391	283	36	society	society	NOUN
cjfa-34391	283	37	.	.	PUNCT
cjfa-34391	284	1	therefore	therefore	ADV
cjfa-34391	284	2	,	,	PUNCT
cjfa-34391	284	3	development	development	NOUN
cjfa-34391	284	4	of	of	ADP
cjfa-34391	284	5	inclusive	inclusive	ADJ
cjfa-34391	284	6	financial	financial	ADJ
cjfa-34391	284	7	business	business	NOUN
cjfa-34391	284	8	models	model	NOUN
cjfa-34391	284	9	must	must	AUX
cjfa-34391	284	10	embrace	embrace	VERB
cjfa-34391	284	11	the	the	DET
cjfa-34391	284	12	digital	digital	ADJ
cjfa-34391	284	13	consumerism	consumerism	NOUN
cjfa-34391	284	14	of	of	ADP
cjfa-34391	284	15	the	the	DET
cjfa-34391	284	16	clientele	clientele	NOUN
cjfa-34391	284	17	,	,	PUNCT
cjfa-34391	284	18	particularly	particularly	ADV
cjfa-34391	284	19	in	in	ADP
cjfa-34391	284	20	sub	sub	ADJ
cjfa-34391	284	21	-	-	ADJ
cjfa-34391	284	22	saharan	saharan	ADJ
cjfa-34391	284	23	africa	africa	PROPN
cjfa-34391	284	24	where	where	SCONJ
cjfa-34391	284	25	there	there	PRON
cjfa-34391	284	26	is	be	VERB
cjfa-34391	284	27	a	a	DET
cjfa-34391	284	28	demographic	demographic	ADJ
cjfa-34391	284	29	boom	boom	NOUN
cjfa-34391	284	30	of	of	ADP
cjfa-34391	284	31	generation	generation	NOUN
cjfa-34391	284	32	z	z	NOUN
cjfa-34391	284	33	with	with	ADP
cjfa-34391	284	34	a	a	DET
cjfa-34391	284	35	growing	grow	VERB
cjfa-34391	284	36	propensity	propensity	NOUN
cjfa-34391	284	37	for	for	ADP
cjfa-34391	284	38	digital	digital	ADJ
cjfa-34391	284	39	consumerism	consumerism	NOUN
cjfa-34391	284	40	.	.	PUNCT
cjfa-34391	284	41	 	 	SPACE
cjfa-34391	285	1	references	reference	NOUN
cjfa-34391	285	2	alliance	alliance	NOUN
cjfa-34391	285	3	for	for	ADP
cjfa-34391	285	4	financial	financial	ADJ
cjfa-34391	285	5	inclusion	inclusion	NOUN
cjfa-34391	285	6	(	(	PUNCT
cjfa-34391	285	7	2019	2019	NUM
cjfa-34391	285	8	)	)	PUNCT
cjfa-34391	285	9	.	.	PUNCT
cjfa-34391	286	1	an	an	DET
cjfa-34391	286	2	index	index	NOUN
cjfa-34391	286	3	to	to	PART
cjfa-34391	286	4	measure	measure	VERB
cjfa-34391	286	5	the	the	DET
cjfa-34391	286	6	progress	progress	NOUN
cjfa-34391	286	7	of	of	ADP
cjfa-34391	286	8	financial	financial	ADJ
cjfa-34391	286	9	inclusion	inclusion	NOUN
cjfa-34391	286	10	.	.	PUNCT
cjfa-34391	287	1	guidance	guidance	NOUN
cjfa-34391	287	2	note	note	NOUN
cjfa-34391	288	1	no	no	INTJ
cjfa-34391	288	2	.	.	NOUN
cjfa-34391	288	3	18	18	NUM
cjfa-34391	288	4	.	.	PUNCT
cjfa-34391	289	1	afi	afi	PROPN
cjfa-34391	289	2	:	:	PUNCT
cjfa-34391	289	3	kuala	kuala	PROPN
cjfa-34391	289	4	lumpur	lumpur	PROPN
cjfa-34391	289	5	.	.	PUNCT
cjfa-34391	290	1	anderies	anderie	NOUN
cjfa-34391	290	2	,	,	PUNCT
cjfa-34391	290	3	j.m	j.m	PROPN
cjfa-34391	290	4	.	.	PROPN
cjfa-34391	290	5	,	,	PUNCT
cjfa-34391	290	6	janssen	janssen	PROPN
cjfa-34391	290	7	,	,	PUNCT
cjfa-34391	290	8	m.a	m.a	PROPN
cjfa-34391	290	9	.	.	PROPN
cjfa-34391	290	10	,	,	PUNCT
cjfa-34391	290	11	&	&	CCONJ
cjfa-34391	290	12	ostrom	ostrom	PROPN
cjfa-34391	290	13	,	,	PUNCT
cjfa-34391	290	14	e.	e.	PROPN
cjfa-34391	290	15	(	(	PUNCT
cjfa-34391	290	16	2004	2004	NUM
cjfa-34391	290	17	)	)	PUNCT
cjfa-34391	290	18	.	.	PUNCT
cjfa-34391	291	1	a	a	DET
cjfa-34391	291	2	framework	framework	NOUN
cjfa-34391	291	3	to	to	PART
cjfa-34391	291	4	analyze	analyze	VERB
cjfa-34391	291	5	the	the	DET
cjfa-34391	291	6	robustness	robustness	NOUN
cjfa-34391	291	7	of	of	ADP
cjfa-34391	291	8	social	social	ADJ
cjfa-34391	291	9	–	–	PUNCT
cjfa-34391	291	10	ecological	ecological	ADJ
cjfa-34391	291	11	systems	system	NOUN
cjfa-34391	291	12	from	from	ADP
cjfa-34391	291	13	an	an	DET
cjfa-34391	291	14	institutional	institutional	ADJ
cjfa-34391	291	15	perspective	perspective	NOUN
cjfa-34391	291	16	.	.	PUNCT
cjfa-34391	292	1	ecology	ecology	NOUN
cjfa-34391	292	2	and	and	CCONJ
cjfa-34391	292	3	society	society	NOUN
cjfa-34391	292	4	,	,	PUNCT
cjfa-34391	292	5	9(1	9(1	NUM
cjfa-34391	292	6	)	)	PUNCT
cjfa-34391	292	7	,	,	PUNCT
cjfa-34391	292	8	18	18	NUM
cjfa-34391	292	9	.	.	PUNCT
cjfa-34391	292	10	arner	arner	NOUN
cjfa-34391	292	11	,	,	PUNCT
cjfa-34391	292	12	d.w	d.w	PROPN
cjfa-34391	292	13	.	.	PROPN
cjfa-34391	292	14	,	,	PUNCT
cjfa-34391	292	15	barberis	barberis	PROPN
cjfa-34391	292	16	,	,	PUNCT
cjfa-34391	292	17	j.	j.	PROPN
cjfa-34391	292	18	,	,	PUNCT
cjfa-34391	292	19	&	&	CCONJ
cjfa-34391	292	20	buckley	buckley	PROPN
cjfa-34391	292	21	,	,	PUNCT
cjfa-34391	292	22	r.p	r.p	PROPN
cjfa-34391	292	23	.	.	PROPN
cjfa-34391	292	24	(	(	PUNCT
cjfa-34391	292	25	2016	2016	NUM
cjfa-34391	292	26	)	)	PUNCT
cjfa-34391	292	27	.	.	PUNCT
cjfa-34391	293	1	the	the	DET
cjfa-34391	293	2	evolution	evolution	NOUN
cjfa-34391	293	3	of	of	ADP
cjfa-34391	293	4	fintech	fintech	NOUN
cjfa-34391	293	5	:	:	PUNCT
cjfa-34391	293	6	a	a	DET
cjfa-34391	293	7	new	new	ADJ
cjfa-34391	293	8	postcrisis	postcrisis	NOUN
cjfa-34391	293	9	paradigm	paradigm	NOUN
cjfa-34391	293	10	?	?	PUNCT
cjfa-34391	294	1	georgetown	georgetown	PROPN
cjfa-34391	294	2	journal	journal	PROPN
cjfa-34391	294	3	of	of	ADP
cjfa-34391	294	4	international	international	ADJ
cjfa-34391	294	5	law	law	NOUN
cjfa-34391	294	6	,	,	PUNCT
cjfa-34391	294	7	47(4	47(4	PROPN
cjfa-34391	294	8	)	)	PUNCT
cjfa-34391	294	9	,	,	PUNCT
cjfa-34391	294	10	1345	1345	NUM
cjfa-34391	294	11	-	-	SYM
cjfa-34391	294	12	1393	1393	NUM
cjfa-34391	294	13	.	.	PUNCT
cjfa-34391	295	1	http://	http://	PROPN
cjfa-34391	295	2	dx.doi.org/10.2139/ssrn.2676553	dx.doi.org/10.2139/ssrn.2676553	PROPN
cjfa-34391	295	3	axelrod	axelrod	PROPN
cjfa-34391	295	4	,	,	PUNCT
cjfa-34391	295	5	r.	r.	PROPN
cjfa-34391	295	6	,	,	PUNCT
cjfa-34391	295	7	&	&	CCONJ
cjfa-34391	295	8	cohen	cohen	PROPN
cjfa-34391	295	9	,	,	PUNCT
cjfa-34391	295	10	m.	m.	NOUN
cjfa-34391	295	11	(	(	PUNCT
cjfa-34391	295	12	2001	2001	NUM
cjfa-34391	295	13	)	)	PUNCT
cjfa-34391	295	14	.	.	PUNCT
cjfa-34391	296	1	harnessing	harness	VERB
cjfa-34391	296	2	complexity	complexity	NOUN
cjfa-34391	296	3	:	:	PUNCT
cjfa-34391	296	4	organizational	organizational	ADJ
cjfa-34391	296	5	implications	implication	NOUN
cjfa-34391	296	6	of	of	ADP
cjfa-34391	296	7	a	a	DET
cjfa-34391	296	8	scientific	scientific	ADJ
cjfa-34391	296	9	frontier	frontier	NOUN
cjfa-34391	296	10	.	.	PUNCT
cjfa-34391	297	1	new	new	PROPN
cjfa-34391	297	2	york	york	PROPN
cjfa-34391	297	3	:	:	PUNCT
cjfa-34391	297	4	basic	basic	ADJ
cjfa-34391	297	5	books	book	NOUN
cjfa-34391	297	6	.	.	PUNCT
cjfa-34391	298	1	black	black	ADJ
cjfa-34391	298	2	,	,	PUNCT
cjfa-34391	298	3	k.	k.	PROPN
cjfa-34391	298	4	(	(	PUNCT
cjfa-34391	298	5	2010	2010	NUM
cjfa-34391	298	6	)	)	PUNCT
cjfa-34391	298	7	.	.	PUNCT
cjfa-34391	299	1	business	business	NOUN
cjfa-34391	299	2	statistics	statistic	NOUN
cjfa-34391	299	3	:	:	PUNCT
cjfa-34391	299	4	contemporary	contemporary	ADJ
cjfa-34391	299	5	decision	decision	NOUN
cjfa-34391	299	6	making	making	NOUN
cjfa-34391	299	7	.	.	PUNCT
cjfa-34391	300	1	6th	6th	ADJ
cjfa-34391	300	2	edition	edition	PROPN
cjfa-34391	300	3	.	.	PUNCT
cjfa-34391	301	1	chichester	chichester	PROPN
cjfa-34391	301	2	:	:	PUNCT
cjfa-34391	301	3	john	john	PROPN
cjfa-34391	301	4	wiley	wiley	PROPN
cjfa-34391	301	5	&	&	CCONJ
cjfa-34391	301	6	sons	son	NOUN
cjfa-34391	301	7	.	.	PUNCT
cjfa-34391	302	1	breslin	breslin	PROPN
cjfa-34391	302	2	,	,	PUNCT
cjfa-34391	302	3	d.	d.	PROPN
cjfa-34391	302	4	,	,	PUNCT
cjfa-34391	302	5	romano	romano	NOUN
cjfa-34391	302	6	,	,	PUNCT
cjfa-34391	302	7	d.	d.	PROPN
cjfa-34391	302	8	,	,	PUNCT
cjfa-34391	302	9	&	&	CCONJ
cjfa-34391	302	10	percival	percival	PROPN
cjfa-34391	302	11	,	,	PUNCT
cjfa-34391	302	12	j.	j.	PROPN
cjfa-34391	302	13	(	(	PUNCT
cjfa-34391	302	14	2016	2016	NUM
cjfa-34391	302	15	)	)	PUNCT
cjfa-34391	302	16	.	.	PUNCT
cjfa-34391	303	1	conceptualizing	conceptualize	VERB
cjfa-34391	303	2	and	and	CCONJ
cjfa-34391	303	3	modeling	model	VERB
cjfa-34391	303	4	multi	multi	ADJ
cjfa-34391	303	5	-	-	ADJ
cjfa-34391	303	6	level	level	ADJ
cjfa-34391	303	7	organizational	organizational	ADJ
cjfa-34391	303	8	co	co	NOUN
cjfa-34391	303	9	-	-	NOUN
cjfa-34391	303	10	evolution	evolution	NOUN
cjfa-34391	303	11	.	.	PUNCT
cjfa-34391	304	1	in	in	ADP
cjfa-34391	304	2	d.	d.	PROPN
cjfa-34391	304	3	secchi	secchi	PROPN
cjfa-34391	304	4	,	,	PUNCT
cjfa-34391	304	5	m.	m.	NOUN
cjfa-34391	304	6	neumann	neumann	PROPN
cjfa-34391	304	7	(	(	PUNCT
cjfa-34391	304	8	eds	eds	PROPN
cjfa-34391	304	9	.	.	PUNCT
cjfa-34391	304	10	)	)	PUNCT
cjfa-34391	304	11	.	.	PUNCT
cjfa-34391	305	1	agent	agent	NOUN
cjfa-34391	305	2	-	-	PUNCT
cjfa-34391	305	3	based	base	VERB
cjfa-34391	305	4	simulation	simulation	NOUN
cjfa-34391	305	5	of	of	ADP
cjfa-34391	305	6	organizational	organizational	ADJ
cjfa-34391	305	7	behavior	behavior	NOUN
cjfa-34391	305	8	:	:	PUNCT
cjfa-34391	305	9	new	new	ADJ
cjfa-34391	305	10	frontiers	frontier	NOUN
cjfa-34391	305	11	of	of	ADP
cjfa-34391	305	12	social	social	ADJ
cjfa-34391	305	13	science	science	NOUN
cjfa-34391	305	14	research	research	NOUN
cjfa-34391	305	15	.	.	PUNCT
cjfa-34391	306	1	cham	cham	PROPN
cjfa-34391	306	2	:	:	PUNCT
cjfa-34391	306	3	springer	springer	NOUN
cjfa-34391	306	4	.	.	PUNCT
cjfa-34391	307	1	buckley	buckley	PROPN
cjfa-34391	307	2	,	,	PUNCT
cjfa-34391	307	3	r.p	r.p	PROPN
cjfa-34391	307	4	.	.	PROPN
cjfa-34391	307	5	,	,	PUNCT
cjfa-34391	307	6	&	&	CCONJ
cjfa-34391	307	7	malady	malady	PROPN
cjfa-34391	307	8	,	,	PUNCT
cjfa-34391	307	9	l.	l.	PROPN
cjfa-34391	307	10	(	(	PUNCT
cjfa-34391	307	11	2014	2014	NUM
cjfa-34391	307	12	)	)	PUNCT
cjfa-34391	307	13	.	.	PUNCT
cjfa-34391	308	1	building	build	VERB
cjfa-34391	308	2	consumer	consumer	NOUN
cjfa-34391	308	3	demand	demand	NOUN
cjfa-34391	308	4	for	for	ADP
cjfa-34391	308	5	digital	digital	ADJ
cjfa-34391	308	6	financial	financial	ADJ
cjfa-34391	308	7	services	service	NOUN
cjfa-34391	308	8	–	–	PUNCT
cjfa-34391	308	9	the	the	DET
cjfa-34391	308	10	new	new	ADJ
cjfa-34391	308	11	regulatory	regulatory	ADJ
cjfa-34391	308	12	frontier	frontier	NOUN
cjfa-34391	308	13	.	.	PUNCT
cjfa-34391	309	1	the	the	DET
cjfa-34391	309	2	banking	banking	NOUN
cjfa-34391	309	3	law	law	NOUN
cjfa-34391	309	4	journal	journal	NOUN
cjfa-34391	309	5	,	,	PUNCT
cjfa-34391	309	6	131(10	131(10	NUM
cjfa-34391	309	7	)	)	PUNCT
cjfa-34391	309	8	,	,	PUNCT
cjfa-34391	309	9	834	834	NUM
cjfa-34391	309	10	-	-	SYM
cjfa-34391	309	11	846	846	NUM
cjfa-34391	309	12	.	.	PUNCT
cjfa-34391	310	1	clarke	clarke	PROPN
cjfa-34391	310	2	,	,	PUNCT
cjfa-34391	310	3	v.	v.	PROPN
cjfa-34391	310	4	,	,	PUNCT
cjfa-34391	310	5	&	&	CCONJ
cjfa-34391	310	6	braun	braun	NOUN
cjfa-34391	310	7	,	,	PUNCT
cjfa-34391	310	8	v.	v.	PROPN
cjfa-34391	310	9	(	(	PUNCT
cjfa-34391	310	10	2017	2017	NUM
cjfa-34391	310	11	)	)	PUNCT
cjfa-34391	310	12	.	.	PUNCT
cjfa-34391	311	1	thematic	thematic	ADJ
cjfa-34391	311	2	analysis	analysis	NOUN
cjfa-34391	311	3	.	.	PUNCT
cjfa-34391	312	1	the	the	DET
cjfa-34391	312	2	journal	journal	NOUN
cjfa-34391	312	3	of	of	ADP
cjfa-34391	312	4	positive	positive	ADJ
cjfa-34391	312	5	psychology	psychology	NOUN
cjfa-34391	312	6	,	,	PUNCT
cjfa-34391	312	7	12(3	12(3	NUM
cjfa-34391	312	8	)	)	PUNCT
cjfa-34391	312	9	,	,	PUNCT
cjfa-34391	312	10	297	297	NUM
cjfa-34391	312	11	-	-	SYM
cjfa-34391	312	12	298	298	NUM
cjfa-34391	312	13	.	.	PUNCT
cjfa-34391	313	1	http://dx.doi.org/10.1080/17439760.2016.1262613	http://dx.doi.org/10.1080/17439760.2016.1262613	PROPN
cjfa-34391	313	2	.	.	PROPN
cjfa-34391	313	3	cole	cole	PROPN
cjfa-34391	313	4	,	,	PUNCT
cjfa-34391	313	5	s.a	s.a	PROPN
cjfa-34391	313	6	.	.	PROPN
cjfa-34391	313	7	,	,	PUNCT
cjfa-34391	313	8	thomas	thomas	PROPN
cjfa-34391	313	9	,	,	PUNCT
cjfa-34391	313	10	a.s	a.s	PROPN
cjfa-34391	313	11	.	.	PROPN
cjfa-34391	313	12	,	,	PUNCT
cjfa-34391	313	13	&	&	CCONJ
cjfa-34391	313	14	bilal	bilal	PROPN
cjfa-34391	313	15	,	,	PUNCT
cjfa-34391	313	16	h.z	h.z	PROPN
cjfa-34391	313	17	.	.	PROPN
cjfa-34391	313	18	(	(	PUNCT
cjfa-34391	313	19	2009	2009	NUM
cjfa-34391	313	20	)	)	PUNCT
cjfa-34391	313	21	.	.	PUNCT
cjfa-34391	314	1	financial	financial	ADJ
cjfa-34391	314	2	literacy	literacy	NOUN
cjfa-34391	314	3	,	,	PUNCT
cjfa-34391	314	4	financial	financial	ADJ
cjfa-34391	314	5	decisions	decision	NOUN
cjfa-34391	314	6	,	,	PUNCT
cjfa-34391	314	7	and	and	CCONJ
cjfa-34391	314	8	the	the	DET
cjfa-34391	314	9	demand	demand	NOUN
cjfa-34391	314	10	for	for	ADP
cjfa-34391	314	11	financial	financial	ADJ
cjfa-34391	314	12	services	service	NOUN
cjfa-34391	314	13	:	:	PUNCT
cjfa-34391	314	14	evidence	evidence	NOUN
cjfa-34391	314	15	from	from	ADP
cjfa-34391	314	16	india	india	PROPN
cjfa-34391	314	17	and	and	CCONJ
cjfa-34391	314	18	indonesia	indonesia	PROPN
cjfa-34391	314	19	.	.	PUNCT
cjfa-34391	315	1	boston	boston	PROPN
cjfa-34391	315	2	:	:	PUNCT
cjfa-34391	315	3	harvard	harvard	PROPN
cjfa-34391	315	4	business	business	PROPN
cjfa-34391	315	5	school	school	PROPN
cjfa-34391	315	6	press	press	NOUN
cjfa-34391	315	7	.	.	PUNCT
cjfa-34391	316	1	currie	currie	PROPN
cjfa-34391	316	2	,	,	PUNCT
cjfa-34391	316	3	d.j	d.j	PROPN
cjfa-34391	316	4	.	.	PROPN
cjfa-34391	316	5	,	,	PUNCT
cjfa-34391	316	6	smith	smith	PROPN
cjfa-34391	316	7	,	,	PUNCT
cjfa-34391	316	8	c.	c.	PROPN
cjfa-34391	316	9	,	,	PUNCT
cjfa-34391	316	10	&	&	CCONJ
cjfa-34391	316	11	jagals	jagals	PROPN
cjfa-34391	316	12	,	,	PUNCT
cjfa-34391	316	13	p.	p.	NOUN
cjfa-34391	316	14	(	(	PUNCT
cjfa-34391	316	15	2018	2018	NUM
cjfa-34391	316	16	)	)	PUNCT
cjfa-34391	316	17	.	.	PUNCT
cjfa-34391	317	1	the	the	DET
cjfa-34391	317	2	application	application	NOUN
cjfa-34391	317	3	of	of	ADP
cjfa-34391	317	4	system	system	NOUN
cjfa-34391	317	5	dynamics	dynamic	NOUN
cjfa-34391	317	6	modelling	modelling	NOUN
cjfa-34391	317	7	to	to	ADP
cjfa-34391	317	8	environmental	environmental	ADJ
cjfa-34391	317	9	health	health	NOUN
cjfa-34391	317	10	decision	decision	NOUN
cjfa-34391	317	11	-	-	PUNCT
cjfa-34391	317	12	making	making	NOUN
cjfa-34391	317	13	and	and	CCONJ
cjfa-34391	317	14	policy	policy	VERB
cjfa-34391	317	15	a	a	DET
cjfa-34391	317	16	scoping	scoping	NOUN
cjfa-34391	317	17	review	review	NOUN
cjfa-34391	317	18	.	.	PUNCT
cjfa-34391	318	1	bmc	bmc	ADJ
cjfa-34391	318	2	public	public	ADJ
cjfa-34391	318	3	health	health	NOUN
cjfa-34391	318	4	18	18	NUM
cjfa-34391	318	5	,	,	PUNCT
cjfa-34391	318	6	402	402	NUM
cjfa-34391	318	7	.	.	PUNCT
cjfa-34391	319	1	http://dx.doi.org/10.1186/s12889-018-5318-8	http://dx.doi.org/10.1186/s12889-018-5318-8	ADV
cjfa-34391	319	2	.	.	PUNCT
cjfa-34391	320	1	ehrlich	ehrlich	PROPN
cjfa-34391	320	2	,	,	PUNCT
cjfa-34391	320	3	p.r	p.r	PROPN
cjfa-34391	320	4	.	.	PROPN
cjfa-34391	320	5	,	,	PUNCT
cjfa-34391	320	6	&	&	CCONJ
cjfa-34391	320	7	raven	raven	PROPN
cjfa-34391	320	8	,	,	PUNCT
cjfa-34391	320	9	p.h	p.h	PROPN
cjfa-34391	320	10	.	.	PROPN
cjfa-34391	320	11	(	(	PUNCT
cjfa-34391	320	12	1964	1964	NUM
cjfa-34391	320	13	)	)	PUNCT
cjfa-34391	320	14	.	.	PUNCT
cjfa-34391	321	1	butterflies	butterfly	NOUN
cjfa-34391	321	2	and	and	CCONJ
cjfa-34391	321	3	plants	plant	NOUN
cjfa-34391	321	4	:	:	PUNCT
cjfa-34391	321	5	a	a	DET
cjfa-34391	321	6	study	study	NOUN
cjfa-34391	321	7	in	in	ADP
cjfa-34391	321	8	co	co	NOUN
cjfa-34391	321	9	-	-	NOUN
cjfa-34391	321	10	evolution	evolution	NOUN
cjfa-34391	321	11	.	.	PUNCT
cjfa-34391	322	1	evolution	evolution	NOUN
cjfa-34391	322	2	,	,	PUNCT
cjfa-34391	322	3	18(4	18(4	NUM
cjfa-34391	322	4	)	)	PUNCT
cjfa-34391	322	5	,	,	PUNCT
cjfa-34391	322	6	586	586	NUM
cjfa-34391	322	7	-	-	SYM
cjfa-34391	322	8	608	608	NUM
cjfa-34391	322	9	.	.	PUNCT
cjfa-34391	323	1	http://dx.doi.org/10.2307/2406212	http://dx.doi.org/10.2307/2406212	PROPN
cjfa-34391	323	2	.	.	PUNCT
cjfa-34391	324	1	farshchian	farshchian	PROPN
cjfa-34391	324	2	,	,	PUNCT
cjfa-34391	324	3	b.	b.	PROPN
cjfa-34391	324	4	(	(	PUNCT
cjfa-34391	324	5	2020	2020	NUM
cjfa-34391	324	6	)	)	PUNCT
cjfa-34391	324	7	.	.	PUNCT
cjfa-34391	325	1	it3010	it3010	PROPN
cjfa-34391	325	2	lecture-7	lecture-7	NUM
cjfa-34391	325	3	research	research	NOUN
cjfa-34391	325	4	paradigms	paradigm	NOUN
cjfa-34391	325	5	,	,	PUNCT
cjfa-34391	325	6	https://www.slideshare	https://www.slideshare	PROPN
cjfa-34391	325	7	.	.	PUNCT
cjfa-34391	326	1	net	net	ADJ
cjfa-34391	326	2	/	/	SYM
cjfa-34391	326	3	babakfarshchian	babakfarshchian	ADJ
cjfa-34391	326	4	/	/	SYM
cjfa-34391	326	5	it3010	it3010	NOUN
cjfa-34391	326	6	-	-	PUNCT
cjfa-34391	326	7	lecture7	lecture7	NOUN
cjfa-34391	326	8	-	-	PUNCT
cjfa-34391	326	9	research	research	NOUN
cjfa-34391	326	10	-	-	PUNCT
cjfa-34391	326	11	paradigms	paradigms	NOUN
cjfa-34391	326	12	(	(	PUNCT
cjfa-34391	326	13	accessed	access	VERB
cjfa-34391	326	14	:	:	PUNCT
cjfa-34391	326	15	25.07.2020	25.07.2020	NUM
cjfa-34391	326	16	)	)	PUNCT
cjfa-34391	326	17	.	.	PUNCT
cjfa-34391	327	1	fernando	fernando	PROPN
cjfa-34391	327	2	,	,	PUNCT
cjfa-34391	327	3	j.	j.	PROPN
cjfa-34391	327	4	(	(	PUNCT
cjfa-34391	327	5	2020	2020	NUM
cjfa-34391	327	6	)	)	PUNCT
cjfa-34391	327	7	.	.	PUNCT
cjfa-34391	328	1	financial	financial	ADJ
cjfa-34391	328	2	literacy	literacy	NOUN
cjfa-34391	328	3	,	,	PUNCT
cjfa-34391	328	4	https://www.investopedia.com/terms/f/financial-literacy.asp	https://www.investopedia.com/terms/f/financial-literacy.asp	PROPN
cjfa-34391	328	5	(	(	PUNCT
cjfa-34391	328	6	accessed	access	VERB
cjfa-34391	328	7	:	:	PUNCT
cjfa-34391	328	8	26.07.2020	26.07.2020	NUM
cjfa-34391	328	9	)	)	PUNCT
cjfa-34391	328	10	.	.	PUNCT
cjfa-34391	329	1	forrester	forrester	PROPN
cjfa-34391	329	2	,	,	PUNCT
cjfa-34391	329	3	j.w	j.w	PROPN
cjfa-34391	329	4	.	.	PROPN
cjfa-34391	329	5	(	(	PUNCT
cjfa-34391	329	6	1958	1958	NUM
cjfa-34391	329	7	)	)	PUNCT
cjfa-34391	329	8	.	.	PUNCT
cjfa-34391	330	1	industrial	industrial	ADJ
cjfa-34391	330	2	dynamics	dynamic	NOUN
cjfa-34391	330	3	:	:	PUNCT
cjfa-34391	330	4	a	a	DET
cjfa-34391	330	5	major	major	ADJ
cjfa-34391	330	6	breakthrough	breakthrough	NOUN
cjfa-34391	330	7	for	for	ADP
cjfa-34391	330	8	decision	decision	NOUN
cjfa-34391	330	9	makers	maker	NOUN
cjfa-34391	330	10	.	.	PUNCT
cjfa-34391	331	1	harvard	harvard	PROPN
cjfa-34391	331	2	business	business	PROPN
cjfa-34391	331	3	review	review	PROPN
cjfa-34391	331	4	,	,	PUNCT
cjfa-34391	331	5	36(4	36(4	NUM
cjfa-34391	331	6	)	)	PUNCT
cjfa-34391	331	7	,	,	PUNCT
cjfa-34391	331	8	37	37	NUM
cjfa-34391	331	9	-	-	SYM
cjfa-34391	331	10	66	66	NUM
cjfa-34391	331	11	.	.	PUNCT
cjfa-34391	332	1	co	co	VERB
cjfa-34391	332	2	-	-	ADJ
cjfa-34391	332	3	evolutionary	evolutionary	ADJ
cjfa-34391	332	4	dynamics	dynamic	NOUN
cjfa-34391	332	5	of	of	ADP
cjfa-34391	332	6	financial	financial	ADJ
cjfa-34391	332	7	inclusion	inclusion	NOUN
cjfa-34391	332	8	of	of	ADP
cjfa-34391	332	9	generation	generation	NOUN
cjfa-34391	332	10	z	z	PROPN
cjfa-34391	332	11	…	…	NUM
cjfa-34391	332	12	49	49	NUM
cjfa-34391	332	13	francis	francis	PROPN
cjfa-34391	332	14	,	,	PUNCT
cjfa-34391	332	15	t.	t.	PROPN
cjfa-34391	332	16	,	,	PUNCT
cjfa-34391	332	17	&	&	CCONJ
cjfa-34391	332	18	hoefel	hoefel	PROPN
cjfa-34391	332	19	,	,	PUNCT
cjfa-34391	332	20	f.	f.	PROPN
cjfa-34391	332	21	(	(	PUNCT
cjfa-34391	332	22	2019	2019	NUM
cjfa-34391	332	23	)	)	PUNCT
cjfa-34391	332	24	.	.	PUNCT
cjfa-34391	333	1	true	true	ADJ
cjfa-34391	333	2	gen	gen	PROPN
cjfa-34391	333	3	:	:	PUNCT
cjfa-34391	333	4	generation	generation	NOUN
cjfa-34391	333	5	z	z	PROPN
cjfa-34391	333	6	and	and	CCONJ
cjfa-34391	333	7	its	its	PRON
cjfa-34391	333	8	implications	implication	NOUN
cjfa-34391	333	9	for	for	ADP
cjfa-34391	333	10	companies	company	NOUN
cjfa-34391	333	11	,	,	PUNCT
cjfa-34391	333	12	https://www.mckinsey.com/industries/consumer-packaged-goods/our-insights/true-gen-generation-z-and-its-implications-for-companies	https://www.mckinsey.com/industries/consumer-packaged-goods/our-insights/true-gen-generation-z-and-its-implications-for-companie	NOUN
cjfa-34391	333	13	(	(	PUNCT
cjfa-34391	333	14	accessed	access	VERB
cjfa-34391	333	15	:	:	PUNCT
cjfa-34391	333	16	16.02	16.02	NUM
cjfa-34391	333	17	.	.	NOUN
cjfa-34391	333	18	2019	2019	NUM
cjfa-34391	333	19	)	)	PUNCT
cjfa-34391	333	20	.	.	PUNCT
cjfa-34391	334	1	galkin	galkin	PROPN
cjfa-34391	334	2	,	,	PUNCT
cjfa-34391	334	3	d.v	d.v	PROPN
cjfa-34391	334	4	.	.	PUNCT
cjfa-34391	334	5	(	(	PUNCT
cjfa-34391	334	6	2011	2011	NUM
cjfa-34391	334	7	)	)	PUNCT
cjfa-34391	334	8	.	.	PUNCT
cjfa-34391	335	1	the	the	DET
cjfa-34391	335	2	hypothesis	hypothesis	NOUN
cjfa-34391	335	3	of	of	ADP
cjfa-34391	335	4	interactive	interactive	ADJ
cjfa-34391	335	5	evolution	evolution	NOUN
cjfa-34391	335	6	.	.	PUNCT
cjfa-34391	336	1	kybernetes	kybernete	NOUN
cjfa-34391	336	2	,	,	PUNCT
cjfa-34391	336	3	40(7/8	40(7/8	NOUN
cjfa-34391	336	4	)	)	PUNCT
cjfa-34391	336	5	,	,	PUNCT
cjfa-34391	336	6	10211029	10211029	NUM
cjfa-34391	336	7	.	.	PUNCT
cjfa-34391	337	1	http://dx.doi.org/10.1108/03684921111160250	http://dx.doi.org/10.1108/03684921111160250	PROPN
cjfa-34391	337	2	.	.	PUNCT
cjfa-34391	338	1	global	global	ADJ
cjfa-34391	338	2	partnership	partnership	NOUN
cjfa-34391	338	3	for	for	ADP
cjfa-34391	338	4	financial	financial	ADJ
cjfa-34391	338	5	inclusion	inclusion	NOUN
cjfa-34391	338	6	(	(	PUNCT
cjfa-34391	338	7	gpfi	gpfi	NOUN
cjfa-34391	338	8	)	)	PUNCT
cjfa-34391	338	9	(	(	PUNCT
cjfa-34391	338	10	2017	2017	NUM
cjfa-34391	338	11	)	)	PUNCT
cjfa-34391	338	12	.	.	PUNCT
cjfa-34391	339	1	digital	digital	ADJ
cjfa-34391	339	2	financial	financial	ADJ
cjfa-34391	339	3	inclusion	inclusion	NOUN
cjfa-34391	339	4	:	:	PUNCT
cjfa-34391	339	5	emerging	emerge	VERB
cjfa-34391	339	6	policy	policy	NOUN
cjfa-34391	339	7	approaches	approach	NOUN
cjfa-34391	339	8	,	,	PUNCT
cjfa-34391	339	9	https://www.gpfi.org/publications/g20-report-digital-financial-inclusion-emerging-policyapproaches	https://www.gpfi.org/publications/g20-report-digital-financial-inclusion-emerging-policyapproache	NOUN
cjfa-34391	339	10	(	(	PUNCT
cjfa-34391	339	11	accessed	access	VERB
cjfa-34391	339	12	:	:	PUNCT
cjfa-34391	339	13	16.02.2019	16.02.2019	NUM
cjfa-34391	339	14	)	)	PUNCT
cjfa-34391	339	15	.	.	PUNCT
cjfa-34391	340	1	global	global	ADJ
cjfa-34391	340	2	partnership	partnership	NOUN
cjfa-34391	340	3	for	for	ADP
cjfa-34391	340	4	financial	financial	ADJ
cjfa-34391	340	5	inclusion	inclusion	NOUN
cjfa-34391	340	6	(	(	PUNCT
cjfa-34391	340	7	gpfi	gpfi	NOUN
cjfa-34391	340	8	)	)	PUNCT
cjfa-34391	340	9	(	(	PUNCT
cjfa-34391	340	10	2019	2019	NUM
cjfa-34391	340	11	)	)	PUNCT
cjfa-34391	340	12	.	.	PUNCT
cjfa-34391	341	1	digital	digital	ADJ
cjfa-34391	341	2	financial	financial	ADJ
cjfa-34391	341	3	inclusion	inclusion	NOUN
cjfa-34391	341	4	:	:	PUNCT
cjfa-34391	341	5	emerging	emerge	VERB
cjfa-34391	341	6	policy	policy	NOUN
cjfa-34391	341	7	approaches	approach	NOUN
cjfa-34391	341	8	,	,	PUNCT
cjfa-34391	341	9	https://www.gpfi.org/publications/g20-report-digital-financial-inclusion-emerging-policyapproaches	https://www.gpfi.org/publications/g20-report-digital-financial-inclusion-emerging-policyapproache	NOUN
cjfa-34391	341	10	(	(	PUNCT
cjfa-34391	341	11	accessed	access	VERB
cjfa-34391	341	12	:	:	PUNCT
cjfa-34391	341	13	16.02.2019	16.02.2019	NUM
cjfa-34391	341	14	)	)	PUNCT
cjfa-34391	341	15	.	.	PUNCT
cjfa-34391	342	1	hancock	hancock	PROPN
cjfa-34391	342	2	,	,	PUNCT
cjfa-34391	342	3	g.r	g.r	PROPN
cjfa-34391	342	4	.	.	PUNCT
cjfa-34391	342	5	(	(	PUNCT
cjfa-34391	342	6	2003	2003	NUM
cjfa-34391	342	7	)	)	PUNCT
cjfa-34391	342	8	.	.	PUNCT
cjfa-34391	343	1	fortune	fortune	PROPN
cjfa-34391	343	2	cookies	cookies	PROPN
cjfa-34391	343	3	,	,	PUNCT
cjfa-34391	343	4	measurement	measurement	NOUN
cjfa-34391	343	5	error	error	NOUN
cjfa-34391	343	6	,	,	PUNCT
cjfa-34391	343	7	and	and	CCONJ
cjfa-34391	343	8	experimental	experimental	ADJ
cjfa-34391	343	9	design	design	NOUN
cjfa-34391	343	10	.	.	PUNCT
cjfa-34391	344	1	journal	journal	NOUN
cjfa-34391	344	2	of	of	ADP
cjfa-34391	344	3	modern	modern	ADJ
cjfa-34391	344	4	applied	apply	VERB
cjfa-34391	344	5	statistical	statistical	ADJ
cjfa-34391	344	6	methods	method	NOUN
cjfa-34391	344	7	,	,	PUNCT
cjfa-34391	344	8	2(2	2(2	NUM
cjfa-34391	344	9	)	)	PUNCT
cjfa-34391	344	10	,	,	PUNCT
cjfa-34391	344	11	293	293	NUM
cjfa-34391	344	12	-	-	SYM
cjfa-34391	344	13	305	305	NUM
cjfa-34391	344	14	.	.	PUNCT
cjfa-34391	345	1	http://dx.doi	http://dx.doi	NOUN
cjfa-34391	345	2	.	.	PUNCT
cjfa-34391	346	1	org/10.22237	org/10.22237	X
cjfa-34391	346	2	/	/	SYM
cjfa-34391	346	3	jmasm/1067644980	jmasm/1067644980	PROPN
cjfa-34391	346	4	.	.	PUNCT
cjfa-34391	347	1	iansiti	iansiti	NOUN
cjfa-34391	347	2	,	,	PUNCT
cjfa-34391	347	3	m.	m.	NOUN
cjfa-34391	347	4	,	,	PUNCT
cjfa-34391	347	5	&	&	CCONJ
cjfa-34391	347	6	levein	levein	PROPN
cjfa-34391	347	7	,	,	PUNCT
cjfa-34391	347	8	r.	r.	PROPN
cjfa-34391	347	9	(	(	PUNCT
cjfa-34391	347	10	2004	2004	NUM
cjfa-34391	347	11	)	)	PUNCT
cjfa-34391	347	12	.	.	PUNCT
cjfa-34391	348	1	the	the	DET
cjfa-34391	348	2	keystone	keystone	PROPN
cjfa-34391	348	3	advantage	advantage	NOUN
cjfa-34391	348	4	:	:	PUNCT
cjfa-34391	348	5	what	what	PRON
cjfa-34391	348	6	the	the	DET
cjfa-34391	348	7	new	new	ADJ
cjfa-34391	348	8	dynamics	dynamic	NOUN
cjfa-34391	348	9	of	of	ADP
cjfa-34391	348	10	business	business	NOUN
cjfa-34391	348	11	ecosystems	ecosystem	NOUN
cjfa-34391	348	12	mean	mean	VERB
cjfa-34391	348	13	for	for	ADP
cjfa-34391	348	14	strategy	strategy	NOUN
cjfa-34391	348	15	,	,	PUNCT
cjfa-34391	348	16	innovation	innovation	NOUN
cjfa-34391	348	17	,	,	PUNCT
cjfa-34391	348	18	and	and	CCONJ
cjfa-34391	348	19	sustainability	sustainability	NOUN
cjfa-34391	348	20	.	.	PUNCT
cjfa-34391	349	1	boston	boston	PROPN
cjfa-34391	349	2	:	:	PUNCT
cjfa-34391	349	3	harvard	harvard	PROPN
cjfa-34391	349	4	business	business	PROPN
cjfa-34391	349	5	school	school	PROPN
cjfa-34391	349	6	press	press	NOUN
cjfa-34391	349	7	.	.	PUNCT
cjfa-34391	350	1	kauffman	kauffman	PROPN
cjfa-34391	350	2	,	,	PUNCT
cjfa-34391	350	3	s.a	s.a	PROPN
cjfa-34391	350	4	.	.	PROPN
cjfa-34391	350	5	(	(	PUNCT
cjfa-34391	350	6	1993	1993	NUM
cjfa-34391	350	7	)	)	PUNCT
cjfa-34391	350	8	.	.	PUNCT
cjfa-34391	351	1	the	the	DET
cjfa-34391	351	2	origins	origin	NOUN
cjfa-34391	351	3	of	of	ADP
cjfa-34391	351	4	order	order	NOUN
cjfa-34391	351	5	-	-	PUNCT
cjfa-34391	351	6	self	self	NOUN
cjfa-34391	351	7	-	-	PUNCT
cjfa-34391	351	8	organization	organization	NOUN
cjfa-34391	351	9	and	and	CCONJ
cjfa-34391	351	10	selection	selection	NOUN
cjfa-34391	351	11	in	in	ADP
cjfa-34391	351	12	evolution	evolution	NOUN
cjfa-34391	351	13	.	.	PUNCT
cjfa-34391	352	1	oxford	oxford	NOUN
cjfa-34391	352	2	:	:	PUNCT
cjfa-34391	352	3	oxford	oxford	PROPN
cjfa-34391	352	4	university	university	PROPN
cjfa-34391	352	5	press	press	NOUN
cjfa-34391	352	6	.	.	PUNCT
cjfa-34391	353	1	http://dx.doi.org/10.1142/9789814415743_0003	http://dx.doi.org/10.1142/9789814415743_0003	NUM
cjfa-34391	353	2	.	.	PUNCT
cjfa-34391	354	1	klapper	klapper	PROPN
cjfa-34391	354	2	,	,	PUNCT
cjfa-34391	354	3	l.	l.	PROPN
cjfa-34391	354	4	,	,	PUNCT
cjfa-34391	354	5	el	el	PROPN
cjfa-34391	354	6	-	-	PUNCT
cjfa-34391	354	7	zoghbi	zoghbi	PROPN
cjfa-34391	354	8	,	,	PUNCT
cjfa-34391	354	9	m.	m.	NOUN
cjfa-34391	354	10	,	,	PUNCT
cjfa-34391	354	11	&	&	CCONJ
cjfa-34391	354	12	hess	hess	PROPN
cjfa-34391	354	13	,	,	PUNCT
cjfa-34391	354	14	j.	j.	PROPN
cjfa-34391	354	15	(	(	PUNCT
cjfa-34391	354	16	2019	2019	NUM
cjfa-34391	354	17	)	)	PUNCT
cjfa-34391	354	18	.	.	PUNCT
cjfa-34391	355	1	achieving	achieve	VERB
cjfa-34391	355	2	the	the	DET
cjfa-34391	355	3	sustainable	sustainable	ADJ
cjfa-34391	355	4	development	development	NOUN
cjfa-34391	355	5	goals	goal	NOUN
cjfa-34391	355	6	:	:	PUNCT
cjfa-34391	355	7	the	the	DET
cjfa-34391	355	8	role	role	NOUN
cjfa-34391	355	9	of	of	ADP
cjfa-34391	355	10	financial	financial	ADJ
cjfa-34391	355	11	inclusion	inclusion	NOUN
cjfa-34391	355	12	.	.	PUNCT
cjfa-34391	356	1	washington	washington	PROPN
cjfa-34391	356	2	:	:	PUNCT
cjfa-34391	356	3	consultative	consultative	ADJ
cjfa-34391	356	4	group	group	NOUN
cjfa-34391	356	5	to	to	PART
cjfa-34391	356	6	assist	assist	VERB
cjfa-34391	356	7	the	the	DET
cjfa-34391	356	8	poor	poor	ADJ
cjfa-34391	356	9	.	.	PUNCT
cjfa-34391	357	1	lewin	lewin	PROPN
cjfa-34391	357	2	,	,	PUNCT
cjfa-34391	357	3	a.y	a.y	PROPN
cjfa-34391	357	4	.	.	PROPN
cjfa-34391	357	5	,	,	PUNCT
cjfa-34391	357	6	&	&	CCONJ
cjfa-34391	357	7	volberda	volberda	PROPN
cjfa-34391	357	8	,	,	PUNCT
cjfa-34391	357	9	h.w	h.w	PROPN
cjfa-34391	357	10	.	.	PUNCT
cjfa-34391	357	11	(	(	PUNCT
cjfa-34391	357	12	1999	1999	NUM
cjfa-34391	357	13	)	)	PUNCT
cjfa-34391	357	14	.	.	PUNCT
cjfa-34391	358	1	prolegomena	prolegomena	NOUN
cjfa-34391	358	2	on	on	ADP
cjfa-34391	358	3	coevolution	coevolution	NOUN
cjfa-34391	358	4	:	:	PUNCT
cjfa-34391	358	5	a	a	DET
cjfa-34391	358	6	framework	framework	NOUN
cjfa-34391	358	7	for	for	ADP
cjfa-34391	358	8	research	research	NOUN
cjfa-34391	358	9	on	on	ADP
cjfa-34391	358	10	strategy	strategy	NOUN
cjfa-34391	358	11	and	and	CCONJ
cjfa-34391	358	12	new	new	ADJ
cjfa-34391	358	13	organizational	organizational	ADJ
cjfa-34391	358	14	forms	form	NOUN
cjfa-34391	358	15	.	.	PUNCT
cjfa-34391	359	1	organization	organization	NOUN
cjfa-34391	359	2	science	science	NOUN
cjfa-34391	359	3	,	,	PUNCT
cjfa-34391	359	4	10(5	10(5	NUM
cjfa-34391	359	5	)	)	PUNCT
cjfa-34391	359	6	,	,	PUNCT
cjfa-34391	359	7	519	519	NUM
cjfa-34391	359	8	-534	-534	PROPN
cjfa-34391	359	9	.	.	PUNCT
cjfa-34391	360	1	http://dx.doi.org/10.1287/orsc.10.5.519	http://dx.doi.org/10.1287/orsc.10.5.519	PROPN
cjfa-34391	360	2	.	.	PUNCT
cjfa-34391	361	1	lupton	lupton	PROPN
cjfa-34391	361	2	,	,	PUNCT
cjfa-34391	361	3	d.	d.	PROPN
cjfa-34391	361	4	(	(	PUNCT
cjfa-34391	361	5	2015	2015	NUM
cjfa-34391	361	6	)	)	PUNCT
cjfa-34391	361	7	.	.	PUNCT
cjfa-34391	362	1	digital	digital	PROPN
cjfa-34391	362	2	sociology	sociology	NOUN
cjfa-34391	362	3	.	.	PUNCT
cjfa-34391	363	1	london	london	PROPN
cjfa-34391	363	2	,	,	PUNCT
cjfa-34391	363	3	new	new	PROPN
cjfa-34391	363	4	york	york	PROPN
cjfa-34391	363	5	:	:	PUNCT
cjfa-34391	363	6	routledge	routledge	PROPN
cjfa-34391	363	7	,	,	PUNCT
cjfa-34391	363	8	taylor	taylor	PROPN
cjfa-34391	363	9	&	&	CCONJ
cjfa-34391	363	10	francis	francis	PROPN
cjfa-34391	363	11	group	group	PROPN
cjfa-34391	363	12	.	.	PUNCT
cjfa-34391	364	1	malady	malady	PROPN
cjfa-34391	364	2	,	,	PUNCT
cjfa-34391	364	3	l.	l.	PROPN
cjfa-34391	364	4	(	(	PUNCT
cjfa-34391	364	5	2016	2016	NUM
cjfa-34391	364	6	)	)	PUNCT
cjfa-34391	364	7	.	.	PUNCT
cjfa-34391	365	1	consumer	consumer	NOUN
cjfa-34391	365	2	protection	protection	NOUN
cjfa-34391	365	3	issues	issue	NOUN
cjfa-34391	365	4	for	for	ADP
cjfa-34391	365	5	digital	digital	ADJ
cjfa-34391	365	6	financial	financial	ADJ
cjfa-34391	365	7	services	service	NOUN
cjfa-34391	365	8	in	in	ADP
cjfa-34391	365	9	emerging	emerge	VERB
cjfa-34391	365	10	markets	market	NOUN
cjfa-34391	365	11	.	.	PUNCT
cjfa-34391	366	1	banking	banking	NOUN
cjfa-34391	366	2	&	&	CCONJ
cjfa-34391	366	3	finance	finance	PROPN
cjfa-34391	366	4	law	law	PROPN
cjfa-34391	366	5	review	review	NOUN
cjfa-34391	366	6	,	,	PUNCT
cjfa-34391	366	7	31(2	31(2	NUM
cjfa-34391	366	8	)	)	PUNCT
cjfa-34391	366	9	,	,	PUNCT
cjfa-34391	366	10	389	389	NUM
cjfa-34391	366	11	-	-	SYM
cjfa-34391	366	12	401	401	NUM
cjfa-34391	366	13	.	.	PUNCT
cjfa-34391	367	1	http://dx.doi.org/10.2139/	http://dx.doi.org/10.2139/	PROPN
cjfa-34391	367	2	ssrn.3028371	ssrn.3028371	PROPN
cjfa-34391	367	3	.	.	PUNCT
cjfa-34391	368	1	mas	mas	PROPN
cjfa-34391	368	2	,	,	PUNCT
cjfa-34391	368	3	i.	i.	PROPN
cjfa-34391	368	4	,	,	PUNCT
cjfa-34391	368	5	&	&	CCONJ
cjfa-34391	368	6	porteous	porteous	NOUN
cjfa-34391	368	7	,	,	PUNCT
cjfa-34391	368	8	d.	d.	PROPN
cjfa-34391	368	9	(	(	PUNCT
cjfa-34391	368	10	2014	2014	NUM
cjfa-34391	368	11	)	)	PUNCT
cjfa-34391	368	12	.	.	PUNCT
cjfa-34391	369	1	pathways	pathway	NOUN
cjfa-34391	369	2	to	to	ADP
cjfa-34391	369	3	smarter	smart	ADJ
cjfa-34391	369	4	digital	digital	ADJ
cjfa-34391	369	5	financial	financial	ADJ
cjfa-34391	369	6	inclusion	inclusion	NOUN
cjfa-34391	369	7	.	.	PUNCT
cjfa-34391	370	1	the	the	DET
cjfa-34391	370	2	capco	capco	PROPN
cjfa-34391	370	3	institute	institute	PROPN
cjfa-34391	370	4	journal	journal	PROPN
cjfa-34391	370	5	of	of	ADP
cjfa-34391	370	6	financial	financial	ADJ
cjfa-34391	370	7	transformation	transformation	NOUN
cjfa-34391	370	8	,	,	PUNCT
cjfa-34391	370	9	42	42	NUM
cjfa-34391	370	10	,	,	PUNCT
cjfa-34391	370	11	47	47	NUM
cjfa-34391	370	12	-	-	SYM
cjfa-34391	370	13	62	62	NUM
cjfa-34391	370	14	.	.	PUNCT
cjfa-34391	371	1	http://dx.doi.org/10.2139/	http://dx.doi.org/10.2139/	PUNCT
cjfa-34391	371	2	ssrn.1858377	ssrn.1858377	NOUN
cjfa-34391	371	3	.	.	PROPN
cjfa-34391	371	4	mckelvey	mckelvey	PROPN
cjfa-34391	371	5	,	,	PUNCT
cjfa-34391	371	6	b.	b.	PROPN
cjfa-34391	371	7	(	(	PUNCT
cjfa-34391	371	8	2002	2002	NUM
cjfa-34391	371	9	)	)	PUNCT
cjfa-34391	371	10	.	.	PUNCT
cjfa-34391	372	1	managing	manage	VERB
cjfa-34391	372	2	co	co	ADJ
cjfa-34391	372	3	-	-	ADJ
cjfa-34391	372	4	evolutionary	evolutionary	ADJ
cjfa-34391	372	5	dynamics	dynamic	NOUN
cjfa-34391	372	6	.	.	PUNCT
cjfa-34391	373	1	presented	present	VERB
cjfa-34391	373	2	at	at	ADP
cjfa-34391	373	3	the	the	DET
cjfa-34391	373	4	18th	18th	ADJ
cjfa-34391	373	5	egos	egos	NOUN
cjfa-34391	373	6	conference	conference	NOUN
cjfa-34391	373	7	,	,	PUNCT
cjfa-34391	373	8	barcelona	barcelona	PROPN
cjfa-34391	373	9	,	,	PUNCT
cjfa-34391	373	10	spain	spain	PROPN
cjfa-34391	373	11	,	,	PUNCT
cjfa-34391	373	12	july	july	PROPN
cjfa-34391	373	13	4	4	NUM
cjfa-34391	373	14	-	-	SYM
cjfa-34391	373	15	6	6	NUM
cjfa-34391	373	16	,	,	PUNCT
cjfa-34391	373	17	2002	2002	NUM
cjfa-34391	373	18	.	.	PUNCT
cjfa-34391	374	1	moore	moore	PROPN
cjfa-34391	374	2	,	,	PUNCT
cjfa-34391	374	3	j.m	j.m	PROPN
cjfa-34391	374	4	.	.	PROPN
cjfa-34391	374	5	(	(	PUNCT
cjfa-34391	374	6	1996	1996	NUM
cjfa-34391	374	7	)	)	PUNCT
cjfa-34391	374	8	.	.	PUNCT
cjfa-34391	375	1	the	the	DET
cjfa-34391	375	2	death	death	NOUN
cjfa-34391	375	3	of	of	ADP
cjfa-34391	375	4	competition	competition	NOUN
cjfa-34391	375	5	:	:	PUNCT
cjfa-34391	375	6	leadership	leadership	NOUN
cjfa-34391	375	7	and	and	CCONJ
cjfa-34391	375	8	strategy	strategy	NOUN
cjfa-34391	375	9	in	in	ADP
cjfa-34391	375	10	the	the	DET
cjfa-34391	375	11	age	age	NOUN
cjfa-34391	375	12	of	of	ADP
cjfa-34391	375	13	business	business	NOUN
cjfa-34391	375	14	ecosystems	ecosystem	NOUN
cjfa-34391	375	15	.	.	PUNCT
cjfa-34391	376	1	chichester	chichester	PROPN
cjfa-34391	376	2	:	:	PUNCT
cjfa-34391	376	3	john	john	PROPN
cjfa-34391	376	4	wiley	wiley	PROPN
cjfa-34391	376	5	&	&	CCONJ
cjfa-34391	376	6	sons	son	NOUN
cjfa-34391	376	7	.	.	PUNCT
cjfa-34391	377	1	ndung’u	ndung’u	PROPN
cjfa-34391	377	2	,	,	PUNCT
cjfa-34391	377	3	n.	n.	NOUN
cjfa-34391	377	4	,	,	PUNCT
cjfa-34391	377	5	&	&	CCONJ
cjfa-34391	377	6	signé	signé	PROPN
cjfa-34391	377	7	,	,	PUNCT
cjfa-34391	377	8	l.	l.	PROPN
cjfa-34391	377	9	(	(	PUNCT
cjfa-34391	377	10	2020	2020	NUM
cjfa-34391	377	11	)	)	PUNCT
cjfa-34391	377	12	.	.	PUNCT
cjfa-34391	378	1	capturing	capture	VERB
cjfa-34391	378	2	the	the	DET
cjfa-34391	378	3	fourth	fourth	ADJ
cjfa-34391	378	4	industrial	industrial	ADJ
cjfa-34391	378	5	revolution	revolution	NOUN
cjfa-34391	378	6	:	:	PUNCT
cjfa-34391	378	7	a	a	DET
cjfa-34391	378	8	regional	regional	ADJ
cjfa-34391	378	9	and	and	CCONJ
cjfa-34391	378	10	national	national	ADJ
cjfa-34391	378	11	agenda	agenda	NOUN
cjfa-34391	378	12	.	.	PUNCT
cjfa-34391	379	1	massachusetts	massachusetts	PROPN
cjfa-34391	379	2	:	:	PUNCT
cjfa-34391	379	3	foresight	foresight	PROPN
cjfa-34391	379	4	africa	africa	PROPN
cjfa-34391	379	5	.	.	PUNCT
cjfa-34391	380	1	nuismer	nuismer	PROPN
cjfa-34391	380	2	,	,	PUNCT
cjfa-34391	380	3	s.	s.	PROPN
cjfa-34391	380	4	(	(	PUNCT
cjfa-34391	380	5	2017	2017	NUM
cjfa-34391	380	6	)	)	PUNCT
cjfa-34391	380	7	.	.	PUNCT
cjfa-34391	381	1	introduction	introduction	NOUN
cjfa-34391	381	2	to	to	ADP
cjfa-34391	381	3	co	co	VERB
cjfa-34391	381	4	-	-	ADJ
cjfa-34391	381	5	evolutionary	evolutionary	ADJ
cjfa-34391	381	6	theory	theory	NOUN
cjfa-34391	381	7	.	.	PUNCT
cjfa-34391	382	1	new	new	PROPN
cjfa-34391	382	2	york	york	PROPN
cjfa-34391	382	3	:	:	PUNCT
cjfa-34391	382	4	w.f	w.f	PROPN
cjfa-34391	382	5	.	.	PROPN
cjfa-34391	382	6	freeman	freeman	PROPN
cjfa-34391	382	7	.	.	PROPN
cjfa-34391	382	8	ozili	ozili	PROPN
cjfa-34391	382	9	,	,	PUNCT
cjfa-34391	382	10	p.	p.	NOUN
cjfa-34391	382	11	(	(	PUNCT
cjfa-34391	382	12	2018	2018	NUM
cjfa-34391	382	13	)	)	PUNCT
cjfa-34391	382	14	.	.	PUNCT
cjfa-34391	383	1	impact	impact	NOUN
cjfa-34391	383	2	of	of	ADP
cjfa-34391	383	3	digital	digital	ADJ
cjfa-34391	383	4	finance	finance	NOUN
cjfa-34391	383	5	on	on	ADP
cjfa-34391	383	6	financial	financial	ADJ
cjfa-34391	383	7	inclusion	inclusion	NOUN
cjfa-34391	383	8	and	and	CCONJ
cjfa-34391	383	9	stability	stability	NOUN
cjfa-34391	383	10	.	.	PUNCT
cjfa-34391	384	1	borsa	borsa	PROPN
cjfa-34391	384	2	istanbul	istanbul	PROPN
cjfa-34391	384	3	review	review	PROPN
cjfa-34391	384	4	,	,	PUNCT
cjfa-34391	384	5	18(4	18(4	NUM
cjfa-34391	384	6	)	)	PUNCT
cjfa-34391	384	7	,	,	PUNCT
cjfa-34391	384	8	329	329	NUM
cjfa-34391	384	9	-	-	SYM
cjfa-34391	384	10	340	340	NUM
cjfa-34391	384	11	.	.	PUNCT
cjfa-34391	385	1	http://dx.doi.org/10.1016/j.bir.2017.12.003	http://dx.doi.org/10.1016/j.bir.2017.12.003	PROPN
cjfa-34391	385	2	.	.	PUNCT
cjfa-34391	386	1	diana	diana	PROPN
cjfa-34391	386	2	kangwa	kangwa	PROPN
cjfa-34391	386	3	,	,	PUNCT
cjfa-34391	386	4	joseph	joseph	PROPN
cjfa-34391	386	5	thokozani	thokozani	PROPN
cjfa-34391	386	6	mwale	mwale	PROPN
cjfa-34391	386	7	,	,	PUNCT
cjfa-34391	386	8	junaid	junaid	VERB
cjfa-34391	386	9	m.	m.	NOUN
cjfa-34391	386	10	shaikh50	shaikh50	PROPN
cjfa-34391	386	11	participate	participate	VERB
cjfa-34391	386	12	(	(	PUNCT
cjfa-34391	386	13	2020	2020	NUM
cjfa-34391	386	14	)	)	PUNCT
cjfa-34391	386	15	.	.	PUNCT
cjfa-34391	387	1	participatory	participatory	ADJ
cjfa-34391	387	2	accountability	accountability	NOUN
cjfa-34391	387	3	for	for	ADP
cjfa-34391	387	4	the	the	DET
cjfa-34391	387	5	sdgs	sdgs	NOUN
cjfa-34391	387	6	:	:	PUNCT
cjfa-34391	387	7	beyond	beyond	ADP
cjfa-34391	387	8	social	social	ADJ
cjfa-34391	387	9	accountability	accountability	NOUN
cjfa-34391	387	10	,	,	PUNCT
cjfa-34391	387	11	https://participatesdgs.org/publications/participatory-accountability-sdgsbeyond-social-accountability	https://participatesdgs.org/publications/participatory-accountability-sdgsbeyond-social-accountability	NOUN
cjfa-34391	387	12	(	(	PUNCT
cjfa-34391	387	13	accessed	access	VERB
cjfa-34391	387	14	:	:	PUNCT
cjfa-34391	387	15	24.05.2020	24.05.2020	NUM
cjfa-34391	387	16	)	)	PUNCT
cjfa-34391	387	17	.	.	PUNCT
cjfa-34391	388	1	piotrowska	piotrowska	PROPN
cjfa-34391	388	2	,	,	PUNCT
cjfa-34391	388	3	a.	a.	NOUN
cjfa-34391	388	4	(	(	PUNCT
cjfa-34391	388	5	2016	2016	NUM
cjfa-34391	388	6	)	)	PUNCT
cjfa-34391	388	7	.	.	PUNCT
cjfa-34391	389	1	fields	field	NOUN
cjfa-34391	389	2	of	of	ADP
cjfa-34391	389	3	potential	potential	ADJ
cjfa-34391	389	4	use	use	NOUN
cjfa-34391	389	5	of	of	ADP
cjfa-34391	389	6	cryptocurrencies	cryptocurrencie	NOUN
cjfa-34391	389	7	in	in	ADP
cjfa-34391	389	8	the	the	DET
cjfa-34391	389	9	payment	payment	NOUN
cjfa-34391	389	10	services	service	NOUN
cjfa-34391	389	11	market	market	NOUN
cjfa-34391	389	12	in	in	ADP
cjfa-34391	389	13	poland	poland	PROPN
cjfa-34391	389	14	–	–	PUNCT
cjfa-34391	389	15	results	result	NOUN
cjfa-34391	389	16	of	of	ADP
cjfa-34391	389	17	an	an	DET
cjfa-34391	389	18	empirical	empirical	ADJ
cjfa-34391	389	19	study	study	NOUN
cjfa-34391	389	20	.	.	PUNCT
cjfa-34391	390	1	copernican	copernican	PROPN
cjfa-34391	390	2	journal	journal	PROPN
cjfa-34391	390	3	of	of	ADP
cjfa-34391	390	4	finance	finance	PROPN
cjfa-34391	390	5	&	&	CCONJ
cjfa-34391	390	6	accounting	accounting	PROPN
cjfa-34391	390	7	,	,	PUNCT
cjfa-34391	390	8	5(2	5(2	NUM
cjfa-34391	390	9	)	)	PUNCT
cjfa-34391	390	10	,	,	PUNCT
cjfa-34391	390	11	201	201	NUM
cjfa-34391	390	12	-	-	SYM
cjfa-34391	390	13	217	217	NUM
cjfa-34391	390	14	.	.	PUNCT
cjfa-34391	391	1	http://dx.doi.org/10.12775/cjfa	http://dx.doi.org/10.12775/cjfa	NOUN
cjfa-34391	391	2	.	.	PUNCT
cjfa-34391	392	1	2016.023	2016.023	NUM
cjfa-34391	392	2	.	.	PUNCT
cjfa-34391	392	3	rammel	rammel	PROPN
cjfa-34391	392	4	,	,	PUNCT
cjfa-34391	392	5	c.	c.	PROPN
cjfa-34391	392	6	,	,	PUNCT
cjfa-34391	392	7	stagl	stagl	NOUN
cjfa-34391	392	8	,	,	PUNCT
cjfa-34391	392	9	s.	s.	PROPN
cjfa-34391	392	10	,	,	PUNCT
cjfa-34391	392	11	&	&	CCONJ
cjfa-34391	392	12	wilfing	wilfing	PROPN
cjfa-34391	392	13	,	,	PUNCT
cjfa-34391	392	14	h.	h.	PROPN
cjfa-34391	392	15	(	(	PUNCT
cjfa-34391	392	16	2007	2007	NUM
cjfa-34391	392	17	)	)	PUNCT
cjfa-34391	392	18	.	.	PUNCT
cjfa-34391	393	1	managing	manage	VERB
cjfa-34391	393	2	complex	complex	ADJ
cjfa-34391	393	3	adaptive	adaptive	ADJ
cjfa-34391	393	4	systems	system	NOUN
cjfa-34391	393	5	–	–	PUNCT
cjfa-34391	393	6	a	a	DET
cjfa-34391	393	7	coevolutionary	coevolutionary	ADJ
cjfa-34391	393	8	perspective	perspective	NOUN
cjfa-34391	393	9	on	on	ADP
cjfa-34391	393	10	natural	natural	ADJ
cjfa-34391	393	11	resource	resource	NOUN
cjfa-34391	393	12	management	management	NOUN
cjfa-34391	393	13	.	.	PUNCT
cjfa-34391	394	1	ecological	ecological	ADJ
cjfa-34391	394	2	economics	economic	NOUN
cjfa-34391	394	3	,	,	PUNCT
cjfa-34391	394	4	63(1	63(1	NUM
cjfa-34391	394	5	)	)	PUNCT
cjfa-34391	394	6	,	,	PUNCT
cjfa-34391	394	7	9	9	NUM
cjfa-34391	394	8	-	-	SYM
cjfa-34391	394	9	21	21	NUM
cjfa-34391	394	10	.	.	PUNCT
cjfa-34391	395	1	http://dx.doi.org/10.1016/j.ecolecon.2006.12.014	http://dx.doi.org/10.1016/j.ecolecon.2006.12.014	NUM
cjfa-34391	395	2	.	.	PUNCT
cjfa-34391	396	1	roberts	roberts	PROPN
cjfa-34391	396	2	,	,	PUNCT
cjfa-34391	396	3	a.	a.	NOUN
cjfa-34391	396	4	(	(	PUNCT
cjfa-34391	396	5	2020	2020	NUM
cjfa-34391	396	6	)	)	PUNCT
cjfa-34391	396	7	.	.	PUNCT
cjfa-34391	397	1	zambia	zambia	PROPN
cjfa-34391	397	2	,	,	PUNCT
cjfa-34391	397	3	https://www.britannica.com/place/zambia#info-articlehistory	https://www.britannica.com/place/zambia#info-articlehistory	NOUN
cjfa-34391	397	4	(	(	PUNCT
cjfa-34391	397	5	accessed	access	VERB
cjfa-34391	397	6	:	:	PUNCT
cjfa-34391	397	7	15.09.2020	15.09.2020	NUM
cjfa-34391	397	8	)	)	PUNCT
cjfa-34391	397	9	.	.	PUNCT
cjfa-34391	398	1	sadrul	sadrul	PROPN
cjfa-34391	398	2	huda	huda	PROPN
cjfa-34391	398	3	,	,	PUNCT
cjfa-34391	398	4	s.s.m	s.s.m	PROPN
cjfa-34391	398	5	.	.	PROPN
cjfa-34391	398	6	,	,	PUNCT
cjfa-34391	398	7	kabir	kabir	PROPN
cjfa-34391	398	8	,	,	PUNCT
cjfa-34391	398	9	m.h	m.h	PROPN
cjfa-34391	398	10	.	.	PROPN
cjfa-34391	398	11	,	,	PUNCT
cjfa-34391	398	12	popy	popy	PROPN
cjfa-34391	398	13	,	,	PUNCT
cjfa-34391	398	14	n.n	n.n	PROPN
cjfa-34391	398	15	.	.	PROPN
cjfa-34391	398	16	,	,	PUNCT
cjfa-34391	398	17	&	&	CCONJ
cjfa-34391	398	18	saha	saha	PROPN
cjfa-34391	398	19	,	,	PUNCT
cjfa-34391	398	20	s.	s.	PROPN
cjfa-34391	398	21	(	(	PUNCT
cjfa-34391	398	22	2020	2020	NUM
cjfa-34391	398	23	)	)	PUNCT
cjfa-34391	398	24	.	.	PUNCT
cjfa-34391	399	1	innovation	innovation	NOUN
cjfa-34391	399	2	in	in	ADP
cjfa-34391	399	3	financial	financial	ADJ
cjfa-34391	399	4	services	service	NOUN
cjfa-34391	399	5	:	:	PUNCT
cjfa-34391	399	6	the	the	DET
cjfa-34391	399	7	case	case	NOUN
cjfa-34391	399	8	of	of	ADP
cjfa-34391	399	9	bangladesh	bangladesh	PROPN
cjfa-34391	399	10	.	.	PUNCT
cjfa-34391	400	1	copernican	copernican	PROPN
cjfa-34391	400	2	journal	journal	PROPN
cjfa-34391	400	3	of	of	ADP
cjfa-34391	400	4	finance	finance	PROPN
cjfa-34391	400	5	&	&	CCONJ
cjfa-34391	400	6	accounting	accounting	PROPN
cjfa-34391	400	7	,	,	PUNCT
cjfa-34391	400	8	9(1	9(1	NUM
cjfa-34391	400	9	)	)	PUNCT
cjfa-34391	400	10	,	,	PUNCT
cjfa-34391	400	11	31	31	NUM
cjfa-34391	400	12	-	-	SYM
cjfa-34391	400	13	56	56	NUM
cjfa-34391	400	14	.	.	PUNCT
cjfa-34391	401	1	http://dx.doi	http://dx.doi	NOUN
cjfa-34391	401	2	.	.	PUNCT
cjfa-34391	402	1	org/10.12775	org/10.12775	PROPN
cjfa-34391	402	2	/	/	SYM
cjfa-34391	402	3	cjfa.2020.002	cjfa.2020.002	PROPN
cjfa-34391	402	4	.	.	PUNCT
cjfa-34391	403	1	stein	stein	PROPN
cjfa-34391	403	2	,	,	PUNCT
cjfa-34391	403	3	c.m	c.m	PROPN
cjfa-34391	403	4	.	.	PROPN
cjfa-34391	403	5	,	,	PUNCT
cjfa-34391	403	6	&	&	CCONJ
cjfa-34391	403	7	morris	morris	PROPN
cjfa-34391	403	8	,	,	PUNCT
cjfa-34391	403	9	n.j	n.j	PROPN
cjfa-34391	403	10	.	.	PROPN
cjfa-34391	403	11	(	(	PUNCT
cjfa-34391	403	12	2012	2012	NUM
cjfa-34391	403	13	)	)	PUNCT
cjfa-34391	403	14	.	.	PUNCT
cjfa-34391	404	1	model	model	NOUN
cjfa-34391	404	2	-	-	PUNCT
cjfa-34391	404	3	free	free	ADJ
cjfa-34391	404	4	linkage	linkage	NOUN
cjfa-34391	404	5	analysis	analysis	NOUN
cjfa-34391	404	6	of	of	ADP
cjfa-34391	404	7	a	a	DET
cjfa-34391	404	8	quantitative	quantitative	ADJ
cjfa-34391	404	9	trait	trait	NOUN
cjfa-34391	404	10	.	.	PUNCT
cjfa-34391	405	1	in	in	ADP
cjfa-34391	405	2	r.	r.	PROPN
cjfa-34391	405	3	elston	elston	PROPN
cjfa-34391	405	4	,	,	PUNCT
cjfa-34391	405	5	j.	j.	PROPN
cjfa-34391	405	6	satagopan	satagopan	PROPN
cjfa-34391	405	7	,	,	PUNCT
cjfa-34391	405	8	s.	s.	PROPN
cjfa-34391	405	9	sun	sun	PROPN
cjfa-34391	405	10	(	(	PUNCT
cjfa-34391	405	11	eds	ed	NOUN
cjfa-34391	405	12	.	.	PUNCT
cjfa-34391	405	13	)	)	PUNCT
cjfa-34391	405	14	.	.	PUNCT
cjfa-34391	406	1	statistical	statistical	ADJ
cjfa-34391	406	2	human	human	ADJ
cjfa-34391	406	3	genetics	genetic	NOUN
cjfa-34391	406	4	.	.	PUNCT
cjfa-34391	407	1	methods	method	NOUN
cjfa-34391	407	2	in	in	ADP
cjfa-34391	407	3	molecular	molecular	ADJ
cjfa-34391	407	4	biology	biology	NOUN
cjfa-34391	407	5	.	.	PUNCT
cjfa-34391	408	1	methods	method	NOUN
cjfa-34391	408	2	and	and	CCONJ
cjfa-34391	408	3	protocols	protocol	NOUN
cjfa-34391	408	4	.	.	PUNCT
cjfa-34391	409	1	vol	vol	NOUN
cjfa-34391	409	2	850	850	NUM
cjfa-34391	409	3	.	.	PUNCT
cjfa-34391	410	1	new	new	PROPN
cjfa-34391	410	2	jersey	jersey	PROPN
cjfa-34391	410	3	:	:	PUNCT
cjfa-34391	410	4	humana	humana	PROPN
cjfa-34391	410	5	press	press	PROPN
cjfa-34391	410	6	.	.	PUNCT
cjfa-34391	411	1	http://dx.doi	http://dx.doi	NOUN
cjfa-34391	411	2	.	.	PUNCT
cjfa-34391	412	1	org/10.1007/978	org/10.1007/978	PROPN
cjfa-34391	412	2	-	-	PUNCT
cjfa-34391	412	3	1	1	NUM
cjfa-34391	412	4	-	-	PUNCT
cjfa-34391	412	5	61779	61779	NUM
cjfa-34391	412	6	-	-	PUNCT
cjfa-34391	412	7	555	555	NUM
cjfa-34391	412	8	-	-	PUNCT
cjfa-34391	412	9	8_16	8_16	NUM
cjfa-34391	412	10	.	.	PUNCT
cjfa-34391	413	1	sterman	sterman	NOUN
cjfa-34391	413	2	,	,	PUNCT
cjfa-34391	413	3	j.d	j.d	PROPN
cjfa-34391	413	4	.	.	PROPN
cjfa-34391	413	5	(	(	PUNCT
cjfa-34391	413	6	2001	2001	NUM
cjfa-34391	413	7	)	)	PUNCT
cjfa-34391	413	8	.	.	PUNCT
cjfa-34391	414	1	system	system	NOUN
cjfa-34391	414	2	dynamics	dynamic	VERB
cjfa-34391	414	3	modeling	modeling	NOUN
cjfa-34391	414	4	:	:	PUNCT
cjfa-34391	414	5	tools	tool	NOUN
cjfa-34391	414	6	for	for	ADP
cjfa-34391	414	7	learning	learn	VERB
cjfa-34391	414	8	in	in	ADP
cjfa-34391	414	9	a	a	DET
cjfa-34391	414	10	complex	complex	ADJ
cjfa-34391	414	11	world	world	NOUN
cjfa-34391	414	12	.	.	PUNCT
cjfa-34391	415	1	california	california	PROPN
cjfa-34391	415	2	management	management	PROPN
cjfa-34391	415	3	review	review	PROPN
cjfa-34391	415	4	,	,	PUNCT
cjfa-34391	415	5	43(4	43(4	NOUN
cjfa-34391	415	6	)	)	PUNCT
cjfa-34391	415	7	,	,	PUNCT
cjfa-34391	415	8	8	8	NUM
cjfa-34391	415	9	-	-	SYM
cjfa-34391	415	10	25	25	NUM
cjfa-34391	415	11	.	.	PUNCT
cjfa-34391	416	1	http://dx.doi.org/10.2307/41166098	http://dx.doi.org/10.2307/41166098	PROPN
cjfa-34391	416	2	.	.	PUNCT
cjfa-34391	417	1	thompson	thompson	PROPN
cjfa-34391	417	2	,	,	PUNCT
cjfa-34391	417	3	j.n	j.n	PROPN
cjfa-34391	417	4	.	.	PROPN
cjfa-34391	417	5	(	(	PUNCT
cjfa-34391	417	6	1994	1994	NUM
cjfa-34391	417	7	)	)	PUNCT
cjfa-34391	417	8	.	.	PUNCT
cjfa-34391	418	1	the	the	DET
cjfa-34391	418	2	coevolutionary	coevolutionary	ADJ
cjfa-34391	418	3	process	process	NOUN
cjfa-34391	418	4	.	.	PUNCT
cjfa-34391	419	1	chicago	chicago	PROPN
cjfa-34391	419	2	:	:	PUNCT
cjfa-34391	419	3	university	university	NOUN
cjfa-34391	419	4	of	of	ADP
cjfa-34391	419	5	chicago	chicago	PROPN
cjfa-34391	419	6	press	press	PROPN
cjfa-34391	419	7	.	.	PUNCT
cjfa-34391	420	1	uli	uli	PROPN
cjfa-34391	420	2	,	,	PUNCT
cjfa-34391	420	3	v.	v.	PROPN
cjfa-34391	420	4	(	(	PUNCT
cjfa-34391	420	5	2018	2018	NUM
cjfa-34391	420	6	)	)	PUNCT
cjfa-34391	420	7	.	.	PUNCT
cjfa-34391	421	1	a	a	DET
cjfa-34391	421	2	co	co	ADJ
cjfa-34391	421	3	-	-	ADJ
cjfa-34391	421	4	evolutionary	evolutionary	ADJ
cjfa-34391	421	5	perspective	perspective	NOUN
cjfa-34391	421	6	on	on	ADP
cjfa-34391	421	7	business	business	NOUN
cjfa-34391	421	8	processes	process	NOUN
cjfa-34391	421	9	:	:	PUNCT
cjfa-34391	421	10	evidence	evidence	NOUN
cjfa-34391	421	11	from	from	ADP
cjfa-34391	421	12	the	the	DET
cjfa-34391	421	13	performance	performance	NOUN
cjfa-34391	421	14	appraisal	appraisal	NOUN
cjfa-34391	421	15	of	of	ADP
cjfa-34391	421	16	a	a	DET
cjfa-34391	421	17	service	service	NOUN
cjfa-34391	421	18	firm	firm	NOUN
cjfa-34391	421	19	.	.	PUNCT
cjfa-34391	422	1	business	business	NOUN
cjfa-34391	422	2	process	process	NOUN
cjfa-34391	422	3	management	management	NOUN
cjfa-34391	422	4	journal	journal	NOUN
cjfa-34391	422	5	,	,	PUNCT
cjfa-34391	422	6	24(3	24(3	NUM
cjfa-34391	422	7	)	)	PUNCT
cjfa-34391	422	8	,	,	PUNCT
cjfa-34391	422	9	652	652	NUM
cjfa-34391	422	10	-	-	SYM
cjfa-34391	422	11	670	670	NUM
cjfa-34391	422	12	.	.	PUNCT
cjfa-34391	423	1	http://dx.doi.org/10.1108/bpmj-01-2016-0008	http://dx.doi.org/10.1108/bpmj-01-2016-0008	PROPN
cjfa-34391	423	2	.	.	PUNCT
cjfa-34391	424	1	united	united	PROPN
cjfa-34391	424	2	nations	nations	PROPN
cjfa-34391	424	3	(	(	PUNCT
cjfa-34391	424	4	2016	2016	NUM
cjfa-34391	424	5	)	)	PUNCT
cjfa-34391	424	6	.	.	PUNCT
cjfa-34391	425	1	digital	digital	ADJ
cjfa-34391	425	2	financial	financial	ADJ
cjfa-34391	425	3	inclusion	inclusion	NOUN
cjfa-34391	425	4	.	.	PUNCT
cjfa-34391	426	1	international	international	ADJ
cjfa-34391	426	2	telecommunication	telecommunication	NOUN
cjfa-34391	426	3	union	union	PROPN
cjfa-34391	426	4	(	(	PUNCT
cjfa-34391	426	5	itu	itu	PROPN
cjfa-34391	426	6	)	)	PUNCT
cjfa-34391	426	7	,	,	PUNCT
cjfa-34391	426	8	issue	issue	VERB
cjfa-34391	426	9	brief	brief	ADJ
cjfa-34391	426	10	series	series	NOUN
cjfa-34391	426	11	,	,	PUNCT
cjfa-34391	426	12	inter	inter	ADJ
cjfa-34391	426	13	-	-	ADJ
cjfa-34391	426	14	agency	agency	ADJ
cjfa-34391	426	15	task	task	NOUN
cjfa-34391	426	16	force	force	NOUN
cjfa-34391	426	17	on	on	ADP
cjfa-34391	426	18	financing	financing	NOUN
cjfa-34391	426	19	for	for	ADP
cjfa-34391	426	20	development	development	NOUN
cjfa-34391	426	21	,	,	PUNCT
cjfa-34391	426	22	http://www.un.org/esa/ffd/wp-content/uploads/2016/01/digital-financial-inclusion_itu_iatfissue-brief.pdf	http://www.un.org/esa/ffd/wp-content/uploads/2016/01/digital-financial-inclusion_itu_iatfissue-brief.pdf	PROPN
cjfa-34391	426	23	.	.	PUNCT
cjfa-34391	427	1	(	(	PUNCT
cjfa-34391	427	2	accessed	access	VERB
cjfa-34391	427	3	:	:	PUNCT
cjfa-34391	427	4	27.02.2019	27.02.2019	NUM
cjfa-34391	427	5	)	)	PUNCT
cjfa-34391	427	6	.	.	PUNCT
cjfa-34391	428	1	wisdom	wisdom	NOUN
cjfa-34391	428	2	,	,	PUNCT
cjfa-34391	428	3	j.	j.	PROPN
cjfa-34391	428	4	,	,	PUNCT
cjfa-34391	428	5	&	&	CCONJ
cjfa-34391	428	6	creswell	creswell	PROPN
cjfa-34391	428	7	,	,	PUNCT
cjfa-34391	428	8	j.w	j.w	PROPN
cjfa-34391	428	9	.	.	PROPN
cjfa-34391	428	10	(	(	PUNCT
cjfa-34391	428	11	2013	2013	NUM
cjfa-34391	428	12	)	)	PUNCT
cjfa-34391	428	13	.	.	PUNCT
cjfa-34391	429	1	mixed	mixed	ADJ
cjfa-34391	429	2	methods	method	NOUN
cjfa-34391	429	3	:	:	PUNCT
cjfa-34391	429	4	integrating	integrate	VERB
cjfa-34391	429	5	quantitative	quantitative	ADJ
cjfa-34391	429	6	and	and	CCONJ
cjfa-34391	429	7	qualitative	qualitative	ADJ
cjfa-34391	429	8	data	datum	NOUN
cjfa-34391	429	9	collection	collection	NOUN
cjfa-34391	429	10	and	and	CCONJ
cjfa-34391	429	11	analysis	analysis	NOUN
cjfa-34391	429	12	while	while	SCONJ
cjfa-34391	429	13	studying	study	VERB
cjfa-34391	429	14	patient	patient	NOUN
cjfa-34391	429	15	-	-	PUNCT
cjfa-34391	429	16	centered	center	VERB
cjfa-34391	429	17	medical	medical	ADJ
cjfa-34391	429	18	home	home	NOUN
cjfa-34391	429	19	models	model	NOUN
cjfa-34391	429	20	.	.	PUNCT
cjfa-34391	430	1	rockville	rockville	PROPN
cjfa-34391	430	2	:	:	PUNCT
cjfa-34391	430	3	agency	agency	NOUN
cjfa-34391	430	4	for	for	ADP
cjfa-34391	430	5	healthcare	healthcare	PROPN
cjfa-34391	430	6	research	research	NOUN
cjfa-34391	430	7	and	and	CCONJ
cjfa-34391	430	8	quality	quality	NOUN
cjfa-34391	430	9	.	.	PUNCT
cjfa-34391	431	1	ahrq	ahrq	PROPN
cjfa-34391	431	2	publication	publication	NOUN
cjfa-34391	431	3	no	no	INTJ
cjfa-34391	431	4	.	.	PROPN
cjfa-34391	432	1	13	13	NUM
cjfa-34391	432	2	-	-	PUNCT
cjfa-34391	432	3	0028	0028	NUM
cjfa-34391	432	4	-	-	PUNCT
cjfa-34391	432	5	ef	ef	PROPN
cjfa-34391	432	6	.	.	PROPN
cjfa-34391	432	7	world	world	PROPN
cjfa-34391	432	8	bank	bank	PROPN
cjfa-34391	432	9	(	(	PUNCT
cjfa-34391	432	10	2017	2017	NUM
cjfa-34391	432	11	)	)	PUNCT
cjfa-34391	432	12	.	.	PUNCT
cjfa-34391	433	1	enhancing	enhance	VERB
cjfa-34391	433	2	financial	financial	ADJ
cjfa-34391	433	3	capability	capability	NOUN
cjfa-34391	433	4	and	and	CCONJ
cjfa-34391	433	5	inclusion	inclusion	NOUN
cjfa-34391	433	6	in	in	ADP
cjfa-34391	433	7	zambia	zambia	PROPN
cjfa-34391	433	8	:	:	PUNCT
cjfa-34391	433	9	a	a	DET
cjfa-34391	433	10	demandside	demandside	NOUN
cjfa-34391	433	11	assessment	assessment	NOUN
cjfa-34391	433	12	.	.	PUNCT
cjfa-34391	434	1	washington	washington	PROPN
cjfa-34391	434	2	:	:	PUNCT
cjfa-34391	434	3	world	world	PROPN
cjfa-34391	434	4	bank	bank	PROPN
cjfa-34391	434	5	.	.	PUNCT
cjfa-34391	435	1	world	world	PROPN
cjfa-34391	435	2	bank	bank	PROPN
cjfa-34391	435	3	.	.	PUNCT
cjfa-34391	436	1	(	(	PUNCT
cjfa-34391	436	2	2020	2020	NUM
cjfa-34391	436	3	)	)	PUNCT
cjfa-34391	436	4	.	.	PUNCT
cjfa-34391	437	1	universal	universal	ADJ
cjfa-34391	437	2	financial	financial	ADJ
cjfa-34391	437	3	access	access	NOUN
cjfa-34391	437	4	2020	2020	NUM
cjfa-34391	437	5	,	,	PUNCT
cjfa-34391	437	6	https://ufa.worldbank.org/en/	https://ufa.worldbank.org/en/	PROPN
cjfa-34391	437	7	ufa	ufa	PROPN
cjfa-34391	437	8	(	(	PUNCT
cjfa-34391	437	9	accessed	access	VERB
cjfa-34391	437	10	:	:	PUNCT
cjfa-34391	437	11	31.07.2020	31.07.2020	NUM
cjfa-34391	437	12	)	)	PUNCT
cjfa-34391	437	13	.	.	PUNCT
cjfa-34391	438	1	world	world	PROPN
cjfa-34391	438	2	economic	economic	PROPN
cjfa-34391	438	3	forum	forum	PROPN
cjfa-34391	438	4	(	(	PUNCT
cjfa-34391	438	5	2020	2020	NUM
cjfa-34391	438	6	)	)	PUNCT
cjfa-34391	438	7	.	.	PUNCT
cjfa-34391	439	1	the	the	DET
cjfa-34391	439	2	fourth	fourth	PROPN
cjfa-34391	439	3	industrial	industrial	ADJ
cjfa-34391	439	4	revolution	revolution	NOUN
cjfa-34391	439	5	,	,	PUNCT
cjfa-34391	439	6	https://www.weforum.org/about/the-fourth-industrial-revolution-by-klaus-schwab	https://www.weforum.org/about/the-fourth-industrial-revolution-by-klaus-schwab	PROPN
cjfa-34391	439	7	(	(	PUNCT
cjfa-34391	439	8	accessed	access	VERB
cjfa-34391	439	9	:	:	PUNCT
cjfa-34391	439	10	25.05	25.05	NUM
cjfa-34391	439	11	.	.	NOUN
cjfa-34391	439	12	2020	2020	NUM
cjfa-34391	439	13	)	)	PUNCT
cjfa-34391	439	14	.	.	PUNCT
cjfa-34391	440	1	worldometer	worldometer	PROPN
cjfa-34391	440	2	(	(	PUNCT
cjfa-34391	440	3	2020	2020	NUM
cjfa-34391	440	4	)	)	PUNCT
cjfa-34391	440	5	.	.	PUNCT
cjfa-34391	441	1	worldometer	worldometer	NOUN
cjfa-34391	441	2	,	,	PUNCT
cjfa-34391	441	3	https://www.worldometers.info	https://www.worldometers.info	NOUN
cjfa-34391	441	4	(	(	PUNCT
cjfa-34391	441	5	accessed	access	VERB
cjfa-34391	441	6	:	:	PUNCT
cjfa-34391	441	7	25.08	25.08	NUM
cjfa-34391	441	8	.	.	NOUN
cjfa-34391	441	9	2020	2020	NUM
cjfa-34391	441	10	)	)	PUNCT
cjfa-34391	441	11	.	.	PUNCT
cjfa-34391	442	1	zouari	zouari	PROPN
cjfa-34391	442	2	,	,	PUNCT
cjfa-34391	442	3	g.	g.	PROPN
cjfa-34391	442	4	,	,	PUNCT
cjfa-34391	442	5	&	&	CCONJ
cjfa-34391	442	6	abdelmalek	abdelmalek	PROPN
cjfa-34391	442	7	,	,	PUNCT
cjfa-34391	442	8	i.	i.	PROPN
cjfa-34391	442	9	(	(	PUNCT
cjfa-34391	442	10	2020	2020	NUM
cjfa-34391	442	11	)	)	PUNCT
cjfa-34391	442	12	.	.	PUNCT
cjfa-34391	443	1	financial	financial	ADJ
cjfa-34391	443	2	innovation	innovation	NOUN
cjfa-34391	443	3	,	,	PUNCT
cjfa-34391	443	4	risk	risk	NOUN
cjfa-34391	443	5	management	management	NOUN
cjfa-34391	443	6	,	,	PUNCT
cjfa-34391	443	7	and	and	CCONJ
cjfa-34391	443	8	bank	bank	NOUN
cjfa-34391	443	9	performance	performance	NOUN
cjfa-34391	443	10	.	.	PUNCT
cjfa-34391	444	1	copernican	copernican	PROPN
cjfa-34391	444	2	journal	journal	PROPN
cjfa-34391	444	3	of	of	ADP
cjfa-34391	444	4	finance	finance	PROPN
cjfa-34391	444	5	&	&	CCONJ
cjfa-34391	444	6	accounting	accounting	PROPN
cjfa-34391	444	7	,	,	PUNCT
cjfa-34391	444	8	9(1	9(1	NUM
cjfa-34391	444	9	)	)	PUNCT
cjfa-34391	444	10	,	,	PUNCT
cjfa-34391	444	11	77	77	NUM
cjfa-34391	444	12	-	-	SYM
cjfa-34391	444	13	100	100	NUM
cjfa-34391	444	14	.	.	PUNCT
cjfa-34391	445	1	http://dx.doi	http://dx.doi	NOUN
cjfa-34391	445	2	.	.	PUNCT
cjfa-34391	446	1	org/10.12775	org/10.12775	PROPN
cjfa-34391	446	2	/	/	SYM
cjfa-34391	446	3	cjfa.2020.004	cjfa.2020.004	PROPN
cjfa-34391	446	4	.	.	PUNCT