id	sid	tid	token	lemma	pos
cjfa-37574	1	1	date	date	NOUN
cjfa-37574	1	2	of	of	ADP
cjfa-37574	1	3	submission	submission	NOUN
cjfa-37574	1	4	:	:	PUNCT
cjfa-37574	1	5	may	may	AUX
cjfa-37574	1	6	31	31	NUM
cjfa-37574	1	7	,	,	PUNCT
cjfa-37574	1	8	2021	2021	NUM
cjfa-37574	1	9	;	;	PUNCT
cjfa-37574	1	10	date	date	NOUN
cjfa-37574	1	11	of	of	ADP
cjfa-37574	1	12	acceptance	acceptance	NOUN
cjfa-37574	1	13	:	:	PUNCT
cjfa-37574	1	14	august	august	PROPN
cjfa-37574	1	15	5	5	NUM
cjfa-37574	1	16	,	,	PUNCT
cjfa-37574	1	17	2021	2021	NUM
cjfa-37574	1	18	.	.	PUNCT
cjfa-37574	2	1	*	*	PUNCT
cjfa-37574	2	2	contact	contact	NOUN
cjfa-37574	2	3	information	information	NOUN
cjfa-37574	2	4	:	:	PUNCT
cjfa-37574	2	5	mdaliashrafaiba@gmail.com	mdaliashrafaiba@gmail.com	PROPN
cjfa-37574	2	6	,	,	PUNCT
cjfa-37574	2	7	army	army	PROPN
cjfa-37574	2	8	institute	institute	PROPN
cjfa-37574	2	9	of	of	ADP
cjfa-37574	2	10	business	business	PROPN
cjfa-37574	2	11	administration	administration	PROPN
cjfa-37574	2	12	,	,	PUNCT
cjfa-37574	2	13	jalalabad	jalalabad	PROPN
cjfa-37574	2	14	cantonment	cantonment	PROPN
cjfa-37574	2	15	,	,	PUNCT
cjfa-37574	2	16	sylhet-3104	sylhet-3104	NOUN
cjfa-37574	2	17	,	,	PUNCT
cjfa-37574	2	18	bangladesh	bangladesh	NOUN
cjfa-37574	2	19	,	,	PUNCT
cjfa-37574	2	20	phone	phone	NOUN
cjfa-37574	2	21	:	:	PUNCT
cjfa-37574	3	1	+8802996642777	+8802996642777	ADJ
cjfa-37574	3	2	;	;	PUNCT
cjfa-37574	4	1	orcid	orcid	PROPN
cjfa-37574	4	2	i	i	NOUN
cjfa-37574	4	3	d	d	NOUN
cjfa-37574	4	4	:	:	PUNCT
cjfa-37574	4	5	https://orcid.org/0000-0003-2146-6267	https://orcid.org/0000-0003-2146-6267	PROPN
cjfa-37574	4	6	.	.	PUNCT
cjfa-37574	5	1	copernican	copernican	PROPN
cjfa-37574	5	2	journal	journal	PROPN
cjfa-37574	5	3	of	of	ADP
cjfa-37574	5	4	finance	finance	PROPN
cjfa-37574	5	5	&	&	CCONJ
cjfa-37574	5	6	accounting	accounting	PROPN
cjfa-37574	5	7	e	e	PROPN
cjfa-37574	5	8	-	-	PROPN
cjfa-37574	5	9	issn	issn	PROPN
cjfa-37574	5	10	2300	2300	NUM
cjfa-37574	5	11	-	-	SYM
cjfa-37574	5	12	3065	3065	NUM
cjfa-37574	5	13	p	p	PROPN
cjfa-37574	5	14	-	-	PUNCT
cjfa-37574	5	15	issn	issn	PROPN
cjfa-37574	5	16	2300	2300	NUM
cjfa-37574	5	17	-	-	SYM
cjfa-37574	5	18	12402021	12402021	NUM
cjfa-37574	5	19	,	,	PUNCT
cjfa-37574	5	20	volume	volume	NOUN
cjfa-37574	5	21	10	10	NUM
cjfa-37574	5	22	,	,	PUNCT
cjfa-37574	5	23	issue	issue	NOUN
cjfa-37574	5	24	4	4	NUM
cjfa-37574	5	25	ashraf	ashraf	NOUN
cjfa-37574	5	26	,	,	PUNCT
cjfa-37574	5	27	m.	m.	NOUN
cjfa-37574	5	28	a.	a.	NOUN
cjfa-37574	5	29	(	(	PUNCT
cjfa-37574	5	30	2021	2021	NUM
cjfa-37574	5	31	)	)	PUNCT
cjfa-37574	5	32	.	.	PUNCT
cjfa-37574	6	1	the	the	DET
cjfa-37574	6	2	impact	impact	NOUN
cjfa-37574	6	3	of	of	ADP
cjfa-37574	6	4	mobile	mobile	ADJ
cjfa-37574	6	5	financial	financial	ADJ
cjfa-37574	6	6	services	service	NOUN
cjfa-37574	6	7	on	on	ADP
cjfa-37574	6	8	the	the	DET
cjfa-37574	6	9	usage	usage	NOUN
cjfa-37574	6	10	dimension	dimension	NOUN
cjfa-37574	6	11	of	of	ADP
cjfa-37574	6	12	financial	financial	ADJ
cjfa-37574	6	13	inclusion	inclusion	NOUN
cjfa-37574	6	14	:	:	PUNCT
cjfa-37574	6	15	an	an	DET
cjfa-37574	6	16	empirical	empirical	ADJ
cjfa-37574	6	17	study	study	NOUN
cjfa-37574	6	18	from	from	ADP
cjfa-37574	6	19	bangladesh	bangladesh	PROPN
cjfa-37574	6	20	.	.	PUNCT
cjfa-37574	7	1	copernican	copernican	PROPN
cjfa-37574	7	2	journal	journal	PROPN
cjfa-37574	7	3	of	of	ADP
cjfa-37574	7	4	finance	finance	PROPN
cjfa-37574	7	5	&	&	CCONJ
cjfa-37574	7	6	accounting	accounting	PROPN
cjfa-37574	7	7	,	,	PUNCT
cjfa-37574	7	8	10(4	10(4	NUM
cjfa-37574	7	9	)	)	PUNCT
cjfa-37574	7	10	,	,	PUNCT
cjfa-37574	7	11	9–25	9–25	PROPN
cjfa-37574	7	12	.	.	PUNCT
cjfa-37574	8	1	http://dx.doi.org/10.12775/cjfa.2021.012	http://dx.doi.org/10.12775/cjfa.2021.012	PROPN
cjfa-37574	8	2	md	md	PROPN
cjfa-37574	8	3	ali	ali	PROPN
cjfa-37574	8	4	ashraf	ashraf	PROPN
cjfa-37574	8	5	*	*	PUNCT
cjfa-37574	8	6	army	army	PROPN
cjfa-37574	8	7	institute	institute	PROPN
cjfa-37574	8	8	of	of	ADP
cjfa-37574	8	9	business	business	PROPN
cjfa-37574	8	10	administration	administration	PROPN
cjfa-37574	8	11	the	the	DET
cjfa-37574	8	12	impact	impact	NOUN
cjfa-37574	8	13	of	of	ADP
cjfa-37574	8	14	mobile	mobile	ADJ
cjfa-37574	8	15	financial	financial	ADJ
cjfa-37574	8	16	services	service	NOUN
cjfa-37574	8	17	on	on	ADP
cjfa-37574	8	18	the	the	DET
cjfa-37574	8	19	usage	usage	NOUN
cjfa-37574	8	20	dimension	dimension	NOUN
cjfa-37574	8	21	of	of	ADP
cjfa-37574	8	22	financial	financial	ADJ
cjfa-37574	8	23	inclusion	inclusion	NOUN
cjfa-37574	8	24	:	:	PUNCT
cjfa-37574	8	25	an	an	DET
cjfa-37574	8	26	empirical	empirical	ADJ
cjfa-37574	8	27	study	study	NOUN
cjfa-37574	8	28	from	from	ADP
cjfa-37574	8	29	bangladesh	bangladesh	NOUN
cjfa-37574	8	30	keywords	keyword	NOUN
cjfa-37574	8	31	:	:	PUNCT
cjfa-37574	8	32	mfs	mfs	PROPN
cjfa-37574	8	33	,	,	PUNCT
cjfa-37574	8	34	financial	financial	ADJ
cjfa-37574	8	35	inclusion	inclusion	NOUN
cjfa-37574	8	36	,	,	PUNCT
cjfa-37574	8	37	covid-19	covid-19	PROPN
cjfa-37574	8	38	.	.	PUNCT
cjfa-37574	9	1	j	j	PROPN
cjfa-37574	9	2	e	e	PROPN
cjfa-37574	9	3	l	l	PROPN
cjfa-37574	9	4	classification	classification	NOUN
cjfa-37574	9	5	:	:	PUNCT
cjfa-37574	9	6	g20	g20	NOUN
cjfa-37574	9	7	,	,	PUNCT
cjfa-37574	9	8	g21	g21	PROPN
cjfa-37574	9	9	,	,	PUNCT
cjfa-37574	9	10	g23	g23	PROPN
cjfa-37574	9	11	,	,	PUNCT
cjfa-37574	9	12	e42	e42	NUM
cjfa-37574	9	13	,	,	PUNCT
cjfa-37574	9	14	o33	o33	NOUN
cjfa-37574	9	15	.	.	PUNCT
cjfa-37574	10	1	abstract	abstract	NOUN
cjfa-37574	10	2	:	:	PUNCT
cjfa-37574	10	3	a	a	DET
cjfa-37574	10	4	plethora	plethora	NOUN
cjfa-37574	10	5	of	of	ADP
cjfa-37574	10	6	studies	study	NOUN
cjfa-37574	10	7	have	have	AUX
cjfa-37574	10	8	investigated	investigate	VERB
cjfa-37574	10	9	how	how	SCONJ
cjfa-37574	10	10	mobile	mobile	ADJ
cjfa-37574	10	11	financial	financial	ADJ
cjfa-37574	10	12	services	service	NOUN
cjfa-37574	10	13	(	(	PUNCT
cjfa-37574	10	14	mfs	mfs	PROPN
cjfa-37574	10	15	)	)	PUNCT
cjfa-37574	10	16	induces	induce	VERB
cjfa-37574	10	17	financial	financial	ADJ
cjfa-37574	10	18	inclusion	inclusion	NOUN
cjfa-37574	10	19	around	around	ADP
cjfa-37574	10	20	the	the	DET
cjfa-37574	10	21	world	world	NOUN
cjfa-37574	10	22	.	.	PUNCT
cjfa-37574	11	1	however	however	ADV
cjfa-37574	11	2	,	,	PUNCT
cjfa-37574	11	3	research	research	NOUN
cjfa-37574	11	4	in	in	ADP
cjfa-37574	11	5	the	the	DET
cjfa-37574	11	6	context	context	NOUN
cjfa-37574	11	7	of	of	ADP
cjfa-37574	11	8	bangladesh	bangladesh	NOUN
cjfa-37574	11	9	was	be	AUX
cjfa-37574	11	10	rather	rather	ADV
cjfa-37574	11	11	limited	limited	ADJ
cjfa-37574	11	12	.	.	PUNCT
cjfa-37574	12	1	hence	hence	ADV
cjfa-37574	12	2	,	,	PUNCT
cjfa-37574	12	3	the	the	DET
cjfa-37574	12	4	primary	primary	ADJ
cjfa-37574	12	5	objective	objective	NOUN
cjfa-37574	12	6	of	of	ADP
cjfa-37574	12	7	this	this	DET
cjfa-37574	12	8	paper	paper	NOUN
cjfa-37574	12	9	was	be	AUX
cjfa-37574	12	10	to	to	PART
cjfa-37574	12	11	investigate	investigate	VERB
cjfa-37574	12	12	whether	whether	SCONJ
cjfa-37574	12	13	there	there	PRON
cjfa-37574	12	14	was	be	VERB
cjfa-37574	12	15	a	a	DET
cjfa-37574	12	16	statistically	statistically	ADV
cjfa-37574	12	17	significant	significant	ADJ
cjfa-37574	12	18	relationship	relationship	NOUN
cjfa-37574	12	19	between	between	ADP
cjfa-37574	12	20	mfs	mfs	NOUN
cjfa-37574	12	21	and	and	CCONJ
cjfa-37574	12	22	financial	financial	ADJ
cjfa-37574	12	23	inclusion	inclusion	NOUN
cjfa-37574	12	24	,	,	PUNCT
cjfa-37574	12	25	measured	measure	VERB
cjfa-37574	12	26	by	by	ADP
cjfa-37574	12	27	two	two	NUM
cjfa-37574	12	28	time	time	NOUN
cjfa-37574	12	29	series	series	NOUN
cjfa-37574	12	30	variables	variable	NOUN
cjfa-37574	12	31	–	–	PUNCT
cjfa-37574	12	32	the	the	DET
cjfa-37574	12	33	number	number	NOUN
cjfa-37574	12	34	of	of	ADP
cjfa-37574	12	35	mfs	mfs	NOUN
cjfa-37574	12	36	agents	agent	NOUN
cjfa-37574	12	37	and	and	CCONJ
cjfa-37574	12	38	number	number	NOUN
cjfa-37574	12	39	of	of	ADP
cjfa-37574	12	40	registered	register	VERB
cjfa-37574	12	41	mfs	mfs	NOUN
cjfa-37574	12	42	users	user	NOUN
cjfa-37574	12	43	per	per	ADP
cjfa-37574	12	44	100,000	100,000	NUM
cjfa-37574	12	45	of	of	ADP
cjfa-37574	12	46	population	population	NOUN
cjfa-37574	12	47	,	,	PUNCT
cjfa-37574	12	48	from	from	ADP
cjfa-37574	12	49	2017	2017	NUM
cjfa-37574	12	50	to	to	ADP
cjfa-37574	12	51	2020	2020	NUM
cjfa-37574	12	52	.	.	PUNCT
cjfa-37574	13	1	for	for	ADP
cjfa-37574	13	2	analyzing	analyze	VERB
cjfa-37574	13	3	the	the	DET
cjfa-37574	13	4	relationship	relationship	NOUN
cjfa-37574	13	5	between	between	ADP
cjfa-37574	13	6	these	these	DET
cjfa-37574	13	7	two	two	NUM
cjfa-37574	13	8	variables	variable	NOUN
cjfa-37574	13	9	,	,	PUNCT
cjfa-37574	13	10	multiple	multiple	ADJ
cjfa-37574	13	11	statistical	statistical	ADJ
cjfa-37574	13	12	methods	method	NOUN
cjfa-37574	13	13	were	be	AUX
cjfa-37574	13	14	employed	employ	VERB
cjfa-37574	13	15	–	–	PUNCT
cjfa-37574	13	16	including	include	VERB
cjfa-37574	13	17	vector	vector	NOUN
cjfa-37574	13	18	auto	auto	NOUN
cjfa-37574	13	19	regression	regression	NOUN
cjfa-37574	13	20	,	,	PUNCT
cjfa-37574	13	21	cointegration	cointegration	NOUN
cjfa-37574	13	22	and	and	CCONJ
cjfa-37574	13	23	granger	granger	NOUN
cjfa-37574	13	24	causality	causality	PROPN
cjfa-37574	13	25	.	.	PUNCT
cjfa-37574	14	1	the	the	DET
cjfa-37574	14	2	analysis	analysis	NOUN
cjfa-37574	14	3	revealed	reveal	VERB
cjfa-37574	14	4	that	that	SCONJ
cjfa-37574	14	5	both	both	DET
cjfa-37574	14	6	time	time	NOUN
cjfa-37574	14	7	series	series	PROPN
cjfa-37574	14	8	variables	variable	NOUN
cjfa-37574	14	9	had	have	VERB
cjfa-37574	14	10	an	an	DET
cjfa-37574	14	11	increasing	increase	VERB
cjfa-37574	14	12	trend	trend	NOUN
cjfa-37574	14	13	with	with	ADP
cjfa-37574	14	14	time	time	NOUN
cjfa-37574	14	15	.	.	PUNCT
cjfa-37574	15	1	more	more	ADV
cjfa-37574	15	2	importantly	importantly	ADV
cjfa-37574	15	3	,	,	PUNCT
cjfa-37574	15	4	the	the	DET
cjfa-37574	15	5	analysis	analysis	NOUN
cjfa-37574	15	6	specified	specify	VERB
cjfa-37574	15	7	that	that	SCONJ
cjfa-37574	15	8	there	there	PRON
cjfa-37574	15	9	was	be	VERB
cjfa-37574	15	10	no	no	DET
cjfa-37574	15	11	statistically	statistically	ADV
cjfa-37574	15	12	significant	significant	ADJ
cjfa-37574	15	13	relationship	relationship	NOUN
cjfa-37574	15	14	between	between	ADP
cjfa-37574	15	15	mfs	mfs	PROPN
cjfa-37574	15	16	,	,	PUNCT
cjfa-37574	15	17	measured	measure	VERB
cjfa-37574	15	18	by	by	ADP
cjfa-37574	15	19	the	the	DET
cjfa-37574	15	20	number	number	NOUN
cjfa-37574	15	21	of	of	ADP
cjfa-37574	15	22	agents	agent	NOUN
cjfa-37574	15	23	and	and	CCONJ
cjfa-37574	15	24	the	the	DET
cjfa-37574	15	25	‘	'	PUNCT
cjfa-37574	15	26	usage	usage	NOUN
cjfa-37574	15	27	’	'	PUNCT
cjfa-37574	15	28	dimension	dimension	NOUN
cjfa-37574	15	29	of	of	ADP
cjfa-37574	15	30	financial	financial	ADJ
cjfa-37574	15	31	inclusion	inclusion	NOUN
cjfa-37574	15	32	,	,	PUNCT
cjfa-37574	15	33	measured	measure	VERB
cjfa-37574	15	34	by	by	ADP
cjfa-37574	15	35	number	number	NOUN
cjfa-37574	15	36	of	of	ADP
cjfa-37574	15	37	registered	register	VERB
cjfa-37574	15	38	mfs	mfs	NOUN
cjfa-37574	15	39	users	user	NOUN
cjfa-37574	15	40	in	in	ADP
cjfa-37574	15	41	the	the	DET
cjfa-37574	15	42	context	context	NOUN
cjfa-37574	15	43	of	of	ADP
cjfa-37574	15	44	bangladesh	bangladesh	NOUN
cjfa-37574	15	45	.	.	PUNCT
cjfa-37574	16	1	moreover	moreover	ADV
cjfa-37574	16	2	,	,	PUNCT
cjfa-37574	16	3	the	the	DET
cjfa-37574	16	4	study	study	NOUN
cjfa-37574	16	5	was	be	AUX
cjfa-37574	16	6	unable	unable	ADJ
cjfa-37574	16	7	to	to	PART
cjfa-37574	16	8	find	find	VERB
cjfa-37574	16	9	any	any	DET
cjfa-37574	16	10	significant	significant	ADJ
cjfa-37574	16	11	changes	change	NOUN
cjfa-37574	16	12	in	in	ADP
cjfa-37574	16	13	the	the	DET
cjfa-37574	16	14	trends	trend	NOUN
cjfa-37574	16	15	of	of	ADP
cjfa-37574	16	16	these	these	DET
cjfa-37574	16	17	variables	variable	NOUN
cjfa-37574	16	18	that	that	PRON
cjfa-37574	16	19	could	could	AUX
cjfa-37574	16	20	be	be	AUX
cjfa-37574	16	21	attributed	attribute	VERB
cjfa-37574	16	22	to	to	ADP
cjfa-37574	16	23	the	the	DET
cjfa-37574	16	24	covid-19	covid-19	PROPN
cjfa-37574	16	25	pandemic	pandemic	NOUN
cjfa-37574	16	26	in	in	ADP
cjfa-37574	16	27	bangladesh	bangladesh	NOUN
cjfa-37574	16	28	.	.	PUNCT
cjfa-37574	17	1	mohammad	mohammad	PROPN
cjfa-37574	17	2	ali	ali	PROPN
cjfa-37574	17	3	ashraf10	ashraf10	PROPN
cjfa-37574	17	4	 	 	SPACE
cjfa-37574	17	5	introduction	introduction	NOUN
cjfa-37574	17	6	technological	technological	ADJ
cjfa-37574	17	7	inventions	invention	NOUN
cjfa-37574	17	8	are	be	AUX
cjfa-37574	17	9	disrupting	disrupt	VERB
cjfa-37574	17	10	the	the	DET
cjfa-37574	17	11	way	way	NOUN
cjfa-37574	17	12	businesses	business	NOUN
cjfa-37574	17	13	conduct	conduct	VERB
cjfa-37574	17	14	their	their	PRON
cjfa-37574	17	15	activities	activity	NOUN
cjfa-37574	17	16	and	and	CCONJ
cjfa-37574	17	17	,	,	PUNCT
cjfa-37574	17	18	at	at	ADP
cjfa-37574	17	19	the	the	DET
cjfa-37574	17	20	same	same	ADJ
cjfa-37574	17	21	time	time	NOUN
cjfa-37574	17	22	,	,	PUNCT
cjfa-37574	17	23	transforming	transform	VERB
cjfa-37574	17	24	the	the	DET
cjfa-37574	17	25	means	mean	NOUN
cjfa-37574	17	26	through	through	ADP
cjfa-37574	17	27	which	which	PRON
cjfa-37574	17	28	individuals	individual	NOUN
cjfa-37574	17	29	engage	engage	VERB
cjfa-37574	17	30	in	in	ADP
cjfa-37574	17	31	financial	financial	ADJ
cjfa-37574	17	32	transactions	transaction	NOUN
cjfa-37574	17	33	.	.	PUNCT
cjfa-37574	18	1	information	information	NOUN
cjfa-37574	18	2	technology	technology	NOUN
cjfa-37574	18	3	,	,	PUNCT
cjfa-37574	18	4	combined	combine	VERB
cjfa-37574	18	5	with	with	ADP
cjfa-37574	18	6	innovative	innovative	ADJ
cjfa-37574	18	7	communication	communication	NOUN
cjfa-37574	18	8	systems	system	NOUN
cjfa-37574	18	9	and	and	CCONJ
cjfa-37574	18	10	tools	tool	NOUN
cjfa-37574	18	11	are	be	AUX
cjfa-37574	18	12	bringing	bring	VERB
cjfa-37574	18	13	enormous	enormous	ADJ
cjfa-37574	18	14	changes	change	NOUN
cjfa-37574	18	15	throughout	throughout	ADP
cjfa-37574	18	16	the	the	DET
cjfa-37574	18	17	globe	globe	NOUN
cjfa-37574	18	18	.	.	PUNCT
cjfa-37574	19	1	one	one	NUM
cjfa-37574	19	2	of	of	ADP
cjfa-37574	19	3	the	the	DET
cjfa-37574	19	4	major	major	ADJ
cjfa-37574	19	5	changes	change	NOUN
cjfa-37574	19	6	is	be	AUX
cjfa-37574	19	7	occurring	occur	VERB
cjfa-37574	19	8	in	in	ADP
cjfa-37574	19	9	the	the	DET
cjfa-37574	19	10	method	method	NOUN
cjfa-37574	19	11	people	people	NOUN
cjfa-37574	19	12	use	use	VERB
cjfa-37574	19	13	for	for	ADP
cjfa-37574	19	14	completing	complete	VERB
cjfa-37574	19	15	their	their	PRON
cjfa-37574	19	16	financial	financial	ADJ
cjfa-37574	19	17	activities	activity	NOUN
cjfa-37574	19	18	.	.	PUNCT
cjfa-37574	20	1	according	accord	VERB
cjfa-37574	20	2	to	to	ADP
cjfa-37574	20	3	a	a	DET
cjfa-37574	20	4	study	study	NOUN
cjfa-37574	20	5	by	by	ADP
cjfa-37574	20	6	world	world	PROPN
cjfa-37574	20	7	bank	bank	PROPN
cjfa-37574	20	8	(	(	PUNCT
cjfa-37574	20	9	2012	2012	NUM
cjfa-37574	20	10	)	)	PUNCT
cjfa-37574	20	11	,	,	PUNCT
cjfa-37574	20	12	only	only	ADV
cjfa-37574	20	13	half	half	NOUN
cjfa-37574	20	14	of	of	ADP
cjfa-37574	20	15	the	the	DET
cjfa-37574	20	16	global	global	ADJ
cjfa-37574	20	17	population	population	NOUN
cjfa-37574	20	18	maintained	maintain	VERB
cjfa-37574	20	19	accounts	account	NOUN
cjfa-37574	20	20	with	with	ADP
cjfa-37574	20	21	a	a	DET
cjfa-37574	20	22	formal	formal	ADJ
cjfa-37574	20	23	financial	financial	ADJ
cjfa-37574	20	24	institution	institution	NOUN
cjfa-37574	20	25	.	.	PUNCT
cjfa-37574	21	1	one	one	NUM
cjfa-37574	21	2	of	of	ADP
cjfa-37574	21	3	the	the	DET
cjfa-37574	21	4	commonly	commonly	ADV
cjfa-37574	21	5	reported	report	VERB
cjfa-37574	21	6	barriers	barrier	NOUN
cjfa-37574	21	7	of	of	ADP
cjfa-37574	21	8	accessing	access	VERB
cjfa-37574	21	9	financial	financial	ADJ
cjfa-37574	21	10	services	service	NOUN
cjfa-37574	21	11	was	be	AUX
cjfa-37574	21	12	the	the	DET
cjfa-37574	21	13	physical	physical	ADJ
cjfa-37574	21	14	distance	distance	NOUN
cjfa-37574	21	15	of	of	ADP
cjfa-37574	21	16	service	service	NOUN
cjfa-37574	21	17	facilities	facility	NOUN
cjfa-37574	21	18	(	(	PUNCT
cjfa-37574	21	19	demirguc	demirguc	PROPN
cjfa-37574	21	20	-	-	PUNCT
cjfa-37574	21	21	kunt	kunt	PROPN
cjfa-37574	21	22	&	&	CCONJ
cjfa-37574	21	23	klapper	klapper	PROPN
cjfa-37574	21	24	,	,	PUNCT
cjfa-37574	21	25	2012	2012	NUM
cjfa-37574	21	26	)	)	PUNCT
cjfa-37574	21	27	.	.	PUNCT
cjfa-37574	22	1	this	this	PRON
cjfa-37574	22	2	is	be	AUX
cjfa-37574	22	3	where	where	SCONJ
cjfa-37574	22	4	mobile	mobile	ADJ
cjfa-37574	22	5	financial	financial	ADJ
cjfa-37574	22	6	services	service	NOUN
cjfa-37574	22	7	come	come	VERB
cjfa-37574	22	8	into	into	ADP
cjfa-37574	22	9	consideration	consideration	NOUN
cjfa-37574	22	10	.	.	PUNCT
cjfa-37574	23	1	by	by	ADP
cjfa-37574	23	2	using	use	VERB
cjfa-37574	23	3	mobile	mobile	ADJ
cjfa-37574	23	4	devices	device	NOUN
cjfa-37574	23	5	and	and	CCONJ
cjfa-37574	23	6	networks	network	NOUN
cjfa-37574	23	7	,	,	PUNCT
cjfa-37574	23	8	a	a	DET
cjfa-37574	23	9	huge	huge	ADJ
cjfa-37574	23	10	number	number	NOUN
cjfa-37574	23	11	of	of	ADP
cjfa-37574	23	12	unbanked	unbanked	ADJ
cjfa-37574	23	13	individuals	individual	NOUN
cjfa-37574	23	14	,	,	PUNCT
cjfa-37574	23	15	especially	especially	ADV
cjfa-37574	23	16	low	low	ADJ
cjfa-37574	23	17	-	-	PUNCT
cjfa-37574	23	18	income	income	NOUN
cjfa-37574	23	19	and	and	CCONJ
cjfa-37574	23	20	rural	rural	ADJ
cjfa-37574	23	21	consumers	consumer	NOUN
cjfa-37574	23	22	around	around	ADP
cjfa-37574	23	23	the	the	DET
cjfa-37574	23	24	globe	globe	NOUN
cjfa-37574	23	25	,	,	PUNCT
cjfa-37574	23	26	are	be	AUX
cjfa-37574	23	27	getting	get	VERB
cjfa-37574	23	28	access	access	NOUN
cjfa-37574	23	29	to	to	ADP
cjfa-37574	23	30	previously	previously	ADV
cjfa-37574	23	31	unavailable	unavailable	ADJ
cjfa-37574	23	32	financial	financial	ADJ
cjfa-37574	23	33	products	product	NOUN
cjfa-37574	23	34	and	and	CCONJ
cjfa-37574	23	35	services	service	NOUN
cjfa-37574	23	36	(	(	PUNCT
cjfa-37574	23	37	kanobe	kanobe	PROPN
cjfa-37574	23	38	,	,	PUNCT
cjfa-37574	23	39	alexander	alexander	PROPN
cjfa-37574	23	40	&	&	CCONJ
cjfa-37574	23	41	bwalya	bwalya	ADJ
cjfa-37574	23	42	,	,	PUNCT
cjfa-37574	23	43	2017	2017	NUM
cjfa-37574	23	44	)	)	PUNCT
cjfa-37574	23	45	.	.	PUNCT
cjfa-37574	24	1	to	to	PART
cjfa-37574	24	2	understand	understand	VERB
cjfa-37574	24	3	how	how	SCONJ
cjfa-37574	24	4	mobile	mobile	ADJ
cjfa-37574	24	5	devices	device	NOUN
cjfa-37574	24	6	are	be	AUX
cjfa-37574	24	7	making	make	VERB
cjfa-37574	24	8	financial	financial	ADJ
cjfa-37574	24	9	services	service	NOUN
cjfa-37574	24	10	available	available	ADJ
cjfa-37574	24	11	to	to	ADP
cjfa-37574	24	12	a	a	DET
cjfa-37574	24	13	significant	significant	ADJ
cjfa-37574	24	14	portion	portion	NOUN
cjfa-37574	24	15	of	of	ADP
cjfa-37574	24	16	the	the	DET
cjfa-37574	24	17	global	global	ADJ
cjfa-37574	24	18	population	population	NOUN
cjfa-37574	24	19	,	,	PUNCT
cjfa-37574	24	20	it	it	PRON
cjfa-37574	24	21	is	be	AUX
cjfa-37574	24	22	essential	essential	ADJ
cjfa-37574	24	23	to	to	PART
cjfa-37574	24	24	understand	understand	VERB
cjfa-37574	24	25	two	two	NUM
cjfa-37574	24	26	notions	notion	NOUN
cjfa-37574	24	27	–	–	PUNCT
cjfa-37574	24	28	mobile	mobile	ADJ
cjfa-37574	24	29	financial	financial	ADJ
cjfa-37574	24	30	services	service	NOUN
cjfa-37574	24	31	(	(	PUNCT
cjfa-37574	24	32	mfs	mfs	PROPN
cjfa-37574	24	33	)	)	PUNCT
cjfa-37574	24	34	and	and	CCONJ
cjfa-37574	24	35	financial	financial	ADJ
cjfa-37574	24	36	inclusion	inclusion	NOUN
cjfa-37574	24	37	.	.	PUNCT
cjfa-37574	25	1	mobile	mobile	ADJ
cjfa-37574	25	2	financial	financial	ADJ
cjfa-37574	25	3	services	service	NOUN
cjfa-37574	25	4	(	(	PUNCT
cjfa-37574	25	5	mfs	mfs	PROPN
cjfa-37574	25	6	)	)	PUNCT
cjfa-37574	25	7	generally	generally	ADV
cjfa-37574	25	8	refers	refer	VERB
cjfa-37574	25	9	to	to	ADP
cjfa-37574	25	10	the	the	DET
cjfa-37574	25	11	use	use	NOUN
cjfa-37574	25	12	of	of	ADP
cjfa-37574	25	13	mobile	mobile	ADJ
cjfa-37574	25	14	or	or	CCONJ
cjfa-37574	25	15	handheld	handheld	ADJ
cjfa-37574	25	16	communication	communication	NOUN
cjfa-37574	25	17	devices	device	NOUN
cjfa-37574	25	18	to	to	PART
cjfa-37574	25	19	access	access	VERB
cjfa-37574	25	20	banking	banking	NOUN
cjfa-37574	25	21	services	service	NOUN
cjfa-37574	25	22	.	.	PUNCT
cjfa-37574	26	1	bangladesh	bangladesh	PROPN
cjfa-37574	26	2	bank	bank	PROPN
cjfa-37574	26	3	,	,	PUNCT
cjfa-37574	26	4	the	the	DET
cjfa-37574	26	5	central	central	ADJ
cjfa-37574	26	6	bank	bank	PROPN
cjfa-37574	26	7	of	of	ADP
cjfa-37574	26	8	bangladesh	bangladesh	PROPN
cjfa-37574	26	9	defines	define	NOUN
cjfa-37574	26	10	mfs	mfs	VERB
cjfa-37574	26	11	as	as	ADP
cjfa-37574	26	12	–	–	PUNCT
cjfa-37574	26	13	“	"	PUNCT
cjfa-37574	26	14	an	an	DET
cjfa-37574	26	15	approach	approach	NOUN
cjfa-37574	26	16	to	to	ADP
cjfa-37574	26	17	offering	offer	VERB
cjfa-37574	26	18	financial	financial	ADJ
cjfa-37574	26	19	and	and	CCONJ
cjfa-37574	26	20	banking	banking	NOUN
cjfa-37574	26	21	services	service	NOUN
cjfa-37574	26	22	via	via	ADP
cjfa-37574	26	23	mobile	mobile	ADJ
cjfa-37574	26	24	wireless	wireless	NOUN
cjfa-37574	26	25	networks	network	NOUN
cjfa-37574	26	26	which	which	PRON
cjfa-37574	26	27	enables	enable	VERB
cjfa-37574	26	28	for	for	ADP
cjfa-37574	26	29	user	user	NOUN
cjfa-37574	26	30	to	to	PART
cjfa-37574	26	31	execute	execute	VERB
cjfa-37574	26	32	banking	banking	NOUN
cjfa-37574	26	33	transactions	transaction	NOUN
cjfa-37574	26	34	.	.	PUNCT
cjfa-37574	26	35	”	"	PUNCT
cjfa-37574	27	1	(	(	PUNCT
cjfa-37574	27	2	bangladesh	bangladesh	PROPN
cjfa-37574	27	3	bank	bank	NOUN
cjfa-37574	27	4	,	,	PUNCT
cjfa-37574	27	5	2012	2012	NUM
cjfa-37574	27	6	)	)	PUNCT
cjfa-37574	27	7	.	.	PUNCT
cjfa-37574	28	1	the	the	DET
cjfa-37574	28	2	idea	idea	NOUN
cjfa-37574	28	3	of	of	ADP
cjfa-37574	28	4	financial	financial	ADJ
cjfa-37574	28	5	inclusion	inclusion	NOUN
cjfa-37574	28	6	is	be	AUX
cjfa-37574	28	7	to	to	PART
cjfa-37574	28	8	enable	enable	VERB
cjfa-37574	28	9	mass	mass	ADJ
cjfa-37574	28	10	people	people	NOUN
cjfa-37574	28	11	to	to	PART
cjfa-37574	28	12	engage	engage	VERB
cjfa-37574	28	13	in	in	ADP
cjfa-37574	28	14	financial	financial	ADJ
cjfa-37574	28	15	activities	activity	NOUN
cjfa-37574	28	16	through	through	ADP
cjfa-37574	28	17	official	official	ADJ
cjfa-37574	28	18	channels	channel	NOUN
cjfa-37574	28	19	.	.	PUNCT
cjfa-37574	29	1	sarma	sarma	NOUN
cjfa-37574	29	2	and	and	CCONJ
cjfa-37574	29	3	pais	pais	PROPN
cjfa-37574	29	4	(	(	PUNCT
cjfa-37574	29	5	2011	2011	NUM
cjfa-37574	29	6	)	)	PUNCT
cjfa-37574	29	7	defined	define	VERB
cjfa-37574	29	8	financial	financial	ADJ
cjfa-37574	29	9	inclusion	inclusion	NOUN
cjfa-37574	29	10	as	as	ADP
cjfa-37574	29	11	a	a	DET
cjfa-37574	29	12	process	process	NOUN
cjfa-37574	29	13	that	that	PRON
cjfa-37574	29	14	ensures	ensure	VERB
cjfa-37574	29	15	the	the	DET
cjfa-37574	29	16	ease	ease	NOUN
cjfa-37574	29	17	of	of	ADP
cjfa-37574	29	18	access	access	NOUN
cjfa-37574	29	19	,	,	PUNCT
cjfa-37574	29	20	availability	availability	NOUN
cjfa-37574	29	21	and	and	CCONJ
cjfa-37574	29	22	usage	usage	NOUN
cjfa-37574	29	23	of	of	ADP
cjfa-37574	29	24	the	the	DET
cjfa-37574	29	25	formal	formal	ADJ
cjfa-37574	29	26	financial	financial	ADJ
cjfa-37574	29	27	system	system	NOUN
cjfa-37574	29	28	for	for	ADP
cjfa-37574	29	29	all	all	DET
cjfa-37574	29	30	members	member	NOUN
cjfa-37574	29	31	of	of	ADP
cjfa-37574	29	32	an	an	DET
cjfa-37574	29	33	economy	economy	NOUN
cjfa-37574	29	34	,	,	PUNCT
cjfa-37574	29	35	whereas	whereas	SCONJ
cjfa-37574	29	36	dev	dev	X
cjfa-37574	29	37	(	(	PUNCT
cjfa-37574	29	38	2006	2006	NUM
cjfa-37574	29	39	)	)	PUNCT
cjfa-37574	29	40	defined	define	VERB
cjfa-37574	29	41	financial	financial	ADJ
cjfa-37574	29	42	inclusion	inclusion	NOUN
cjfa-37574	29	43	as	as	ADP
cjfa-37574	29	44	the	the	DET
cjfa-37574	29	45	delivery	delivery	NOUN
cjfa-37574	29	46	of	of	ADP
cjfa-37574	29	47	banking	banking	NOUN
cjfa-37574	29	48	services	service	NOUN
cjfa-37574	29	49	at	at	ADP
cjfa-37574	29	50	an	an	DET
cjfa-37574	29	51	affordable	affordable	ADJ
cjfa-37574	29	52	cost	cost	NOUN
cjfa-37574	29	53	for	for	ADP
cjfa-37574	29	54	a	a	DET
cjfa-37574	29	55	massive	massive	ADJ
cjfa-37574	29	56	section	section	NOUN
cjfa-37574	29	57	of	of	ADP
cjfa-37574	29	58	underprivileged	underprivileged	ADJ
cjfa-37574	29	59	members	member	NOUN
cjfa-37574	29	60	of	of	ADP
cjfa-37574	29	61	an	an	DET
cjfa-37574	29	62	economy	economy	NOUN
cjfa-37574	29	63	.	.	PUNCT
cjfa-37574	30	1	a	a	DET
cjfa-37574	30	2	substantial	substantial	ADJ
cjfa-37574	30	3	number	number	NOUN
cjfa-37574	30	4	of	of	ADP
cjfa-37574	30	5	scholarly	scholarly	ADJ
cjfa-37574	30	6	studies	study	NOUN
cjfa-37574	30	7	demonstrated	demonstrate	VERB
cjfa-37574	30	8	that	that	SCONJ
cjfa-37574	30	9	mobile	mobile	ADJ
cjfa-37574	30	10	financial	financial	ADJ
cjfa-37574	30	11	services	service	NOUN
cjfa-37574	30	12	played	play	VERB
cjfa-37574	30	13	a	a	DET
cjfa-37574	30	14	vital	vital	ADJ
cjfa-37574	30	15	role	role	NOUN
cjfa-37574	30	16	in	in	ADP
cjfa-37574	30	17	facilitating	facilitate	VERB
cjfa-37574	30	18	financial	financial	ADJ
cjfa-37574	30	19	inclusion	inclusion	NOUN
cjfa-37574	30	20	around	around	ADP
cjfa-37574	30	21	the	the	DET
cjfa-37574	30	22	world	world	NOUN
cjfa-37574	30	23	,	,	PUNCT
cjfa-37574	30	24	specially	specially	ADV
cjfa-37574	30	25	in	in	ADP
cjfa-37574	30	26	underdeveloped	underdeveloped	ADJ
cjfa-37574	30	27	and	and	CCONJ
cjfa-37574	30	28	developing	develop	VERB
cjfa-37574	30	29	countries	country	NOUN
cjfa-37574	30	30	.	.	PUNCT
cjfa-37574	31	1	this	this	DET
cjfa-37574	31	2	topic	topic	NOUN
cjfa-37574	31	3	has	have	AUX
cjfa-37574	31	4	been	be	AUX
cjfa-37574	31	5	discussed	discuss	VERB
cjfa-37574	31	6	further	far	ADV
cjfa-37574	31	7	in	in	ADP
cjfa-37574	31	8	the	the	DET
cjfa-37574	31	9	literature	literature	NOUN
cjfa-37574	31	10	review	review	NOUN
cjfa-37574	31	11	section	section	NOUN
cjfa-37574	31	12	.	.	PUNCT
cjfa-37574	32	1	likewise	likewise	ADV
cjfa-37574	32	2	,	,	PUNCT
cjfa-37574	32	3	to	to	PART
cjfa-37574	32	4	understand	understand	VERB
cjfa-37574	32	5	how	how	SCONJ
cjfa-37574	32	6	mfs	mfs	NOUN
cjfa-37574	32	7	is	be	AUX
cjfa-37574	32	8	facilitating	facilitate	VERB
cjfa-37574	32	9	financial	financial	ADJ
cjfa-37574	32	10	inclusion	inclusion	NOUN
cjfa-37574	32	11	,	,	PUNCT
cjfa-37574	32	12	it	it	PRON
cjfa-37574	32	13	is	be	AUX
cjfa-37574	32	14	imperative	imperative	ADJ
cjfa-37574	32	15	to	to	PART
cjfa-37574	32	16	look	look	VERB
cjfa-37574	32	17	at	at	ADP
cjfa-37574	32	18	some	some	PRON
cjfa-37574	32	19	of	of	ADP
cjfa-37574	32	20	the	the	DET
cjfa-37574	32	21	indicators	indicator	NOUN
cjfa-37574	32	22	that	that	PRON
cjfa-37574	32	23	measures	measure	VERB
cjfa-37574	32	24	the	the	DET
cjfa-37574	32	25	extent	extent	NOUN
cjfa-37574	32	26	of	of	ADP
cjfa-37574	32	27	financial	financial	ADJ
cjfa-37574	32	28	inclusion	inclusion	NOUN
cjfa-37574	32	29	.	.	PUNCT
cjfa-37574	33	1	the	the	DET
cjfa-37574	33	2	impact	impact	NOUN
cjfa-37574	33	3	of	of	ADP
cjfa-37574	33	4	mobile	mobile	ADJ
cjfa-37574	33	5	financial	financial	ADJ
cjfa-37574	33	6	services	service	NOUN
cjfa-37574	33	7	…	…	PUNCT
cjfa-37574	33	8	11	11	NUM
cjfa-37574	33	9	indicators	indicator	NOUN
cjfa-37574	33	10	of	of	ADP
cjfa-37574	33	11	financial	financial	ADJ
cjfa-37574	33	12	inclusion	inclusion	NOUN
cjfa-37574	33	13	can	can	AUX
cjfa-37574	33	14	measure	measure	VERB
cjfa-37574	33	15	three	three	NUM
cjfa-37574	33	16	dimensions	dimension	NOUN
cjfa-37574	33	17	of	of	ADP
cjfa-37574	33	18	financial	financial	ADJ
cjfa-37574	33	19	inclusion	inclusion	NOUN
cjfa-37574	33	20	including	include	VERB
cjfa-37574	33	21	‘	'	PUNCT
cjfa-37574	33	22	usage	usage	NOUN
cjfa-37574	33	23	’	'	PUNCT
cjfa-37574	33	24	,	,	PUNCT
cjfa-37574	33	25	‘	'	PUNCT
cjfa-37574	33	26	access	access	NOUN
cjfa-37574	33	27	’	'	PUNCT
cjfa-37574	33	28	and	and	CCONJ
cjfa-37574	33	29	‘	'	PUNCT
cjfa-37574	33	30	quality	quality	NOUN
cjfa-37574	33	31	’	'	PUNCT
cjfa-37574	33	32	(	(	PUNCT
cjfa-37574	33	33	pearce	pearce	PROPN
cjfa-37574	33	34	&	&	CCONJ
cjfa-37574	33	35	ortega	ortega	PROPN
cjfa-37574	33	36	,	,	PUNCT
cjfa-37574	33	37	2012	2012	NUM
cjfa-37574	33	38	)	)	PUNCT
cjfa-37574	33	39	.	.	PUNCT
cjfa-37574	34	1	access	access	NOUN
cjfa-37574	34	2	indicators	indicator	NOUN
cjfa-37574	34	3	show	show	VERB
cjfa-37574	34	4	the	the	DET
cjfa-37574	34	5	depth	depth	NOUN
cjfa-37574	34	6	of	of	ADP
cjfa-37574	34	7	outreach	outreach	NOUN
cjfa-37574	34	8	of	of	ADP
cjfa-37574	34	9	financial	financial	ADJ
cjfa-37574	34	10	services	service	NOUN
cjfa-37574	34	11	such	such	ADJ
cjfa-37574	34	12	as	as	ADP
cjfa-37574	34	13	number	number	NOUN
cjfa-37574	34	14	of	of	ADP
cjfa-37574	34	15	bank	bank	NOUN
cjfa-37574	34	16	branches	branch	NOUN
cjfa-37574	34	17	or	or	CCONJ
cjfa-37574	34	18	number	number	NOUN
cjfa-37574	34	19	of	of	ADP
cjfa-37574	34	20	atms	atms	NOUN
cjfa-37574	34	21	per	per	ADP
cjfa-37574	34	22	100,000	100,000	NUM
cjfa-37574	34	23	of	of	ADP
cjfa-37574	34	24	the	the	DET
cjfa-37574	34	25	population	population	NOUN
cjfa-37574	34	26	,	,	PUNCT
cjfa-37574	34	27	whereas	whereas	SCONJ
cjfa-37574	34	28	usage	usage	NOUN
cjfa-37574	34	29	indicators	indicator	NOUN
cjfa-37574	34	30	reflect	reflect	VERB
cjfa-37574	34	31	how	how	SCONJ
cjfa-37574	34	32	clients	client	NOUN
cjfa-37574	34	33	use	use	VERB
cjfa-37574	34	34	financial	financial	ADJ
cjfa-37574	34	35	services	service	NOUN
cjfa-37574	34	36	by	by	ADP
cjfa-37574	34	37	looking	look	VERB
cjfa-37574	34	38	at	at	ADP
cjfa-37574	34	39	data	datum	NOUN
cjfa-37574	34	40	such	such	ADJ
cjfa-37574	34	41	as	as	ADP
cjfa-37574	34	42	number	number	NOUN
cjfa-37574	34	43	of	of	ADP
cjfa-37574	34	44	adults	adult	NOUN
cjfa-37574	34	45	with	with	ADP
cjfa-37574	34	46	an	an	DET
cjfa-37574	34	47	account	account	NOUN
cjfa-37574	34	48	at	at	ADP
cjfa-37574	34	49	a	a	DET
cjfa-37574	34	50	formal	formal	ADJ
cjfa-37574	34	51	financial	financial	ADJ
cjfa-37574	34	52	institution	institution	NOUN
cjfa-37574	34	53	(	(	PUNCT
cjfa-37574	34	54	sarma	sarma	PROPN
cjfa-37574	34	55	,	,	PUNCT
cjfa-37574	34	56	2008	2008	NUM
cjfa-37574	34	57	;	;	PUNCT
cjfa-37574	34	58	world	world	NOUN
cjfa-37574	34	59	bank	bank	PROPN
cjfa-37574	34	60	,	,	PUNCT
cjfa-37574	34	61	2015	2015	NUM
cjfa-37574	34	62	)	)	PUNCT
cjfa-37574	34	63	.	.	PUNCT
cjfa-37574	35	1	as	as	SCONJ
cjfa-37574	35	2	this	this	DET
cjfa-37574	35	3	paper	paper	NOUN
cjfa-37574	35	4	will	will	AUX
cjfa-37574	35	5	attempt	attempt	VERB
cjfa-37574	35	6	to	to	PART
cjfa-37574	35	7	investigate	investigate	VERB
cjfa-37574	35	8	whether	whether	SCONJ
cjfa-37574	35	9	mfs	mfs	NOUN
cjfa-37574	35	10	is	be	AUX
cjfa-37574	35	11	enabling	enable	VERB
cjfa-37574	35	12	financial	financial	ADJ
cjfa-37574	35	13	inclusion	inclusion	NOUN
cjfa-37574	35	14	,	,	PUNCT
cjfa-37574	35	15	a	a	DET
cjfa-37574	35	16	similar	similar	ADJ
cjfa-37574	35	17	access	access	NOUN
cjfa-37574	35	18	indicator	indicator	NOUN
cjfa-37574	35	19	used	use	VERB
cjfa-37574	35	20	in	in	ADP
cjfa-37574	35	21	this	this	DET
cjfa-37574	35	22	paper	paper	NOUN
cjfa-37574	35	23	will	will	AUX
cjfa-37574	35	24	be	be	AUX
cjfa-37574	35	25	the	the	DET
cjfa-37574	35	26	number	number	NOUN
cjfa-37574	35	27	of	of	ADP
cjfa-37574	35	28	mfs	mfs	NOUN
cjfa-37574	35	29	agents	agent	NOUN
cjfa-37574	35	30	.	.	PUNCT
cjfa-37574	36	1	in	in	ADP
cjfa-37574	36	2	terms	term	NOUN
cjfa-37574	36	3	of	of	ADP
cjfa-37574	36	4	usage	usage	NOUN
cjfa-37574	36	5	dimension	dimension	NOUN
cjfa-37574	36	6	,	,	PUNCT
cjfa-37574	36	7	the	the	DET
cjfa-37574	36	8	selected	select	VERB
cjfa-37574	36	9	indicator	indicator	NOUN
cjfa-37574	36	10	will	will	AUX
cjfa-37574	36	11	be	be	AUX
cjfa-37574	36	12	number	number	NOUN
cjfa-37574	36	13	of	of	ADP
cjfa-37574	36	14	registered	register	VERB
cjfa-37574	36	15	mfs	mfs	NOUN
cjfa-37574	36	16	users	user	NOUN
cjfa-37574	36	17	per	per	ADP
cjfa-37574	36	18	100,000	100,000	NUM
cjfa-37574	36	19	of	of	ADP
cjfa-37574	36	20	population	population	NOUN
cjfa-37574	36	21	.	.	PUNCT
cjfa-37574	37	1	in	in	ADP
cjfa-37574	37	2	addition	addition	NOUN
cjfa-37574	37	3	,	,	PUNCT
cjfa-37574	37	4	according	accord	VERB
cjfa-37574	37	5	to	to	ADP
cjfa-37574	37	6	a	a	DET
cjfa-37574	37	7	report	report	NOUN
cjfa-37574	37	8	by	by	ADP
cjfa-37574	37	9	business	business	NOUN
cjfa-37574	37	10	finance	finance	NOUN
cjfa-37574	37	11	for	for	ADP
cjfa-37574	37	12	the	the	DET
cjfa-37574	37	13	poor	poor	ADJ
cjfa-37574	37	14	in	in	ADP
cjfa-37574	37	15	bangladesh	bangladesh	NOUN
cjfa-37574	37	16	(	(	PUNCT
cjfa-37574	37	17	2021	2021	NUM
cjfa-37574	37	18	)	)	PUNCT
cjfa-37574	37	19	,	,	PUNCT
cjfa-37574	37	20	a	a	DET
cjfa-37574	37	21	key	key	ADJ
cjfa-37574	37	22	policy	policy	NOUN
cjfa-37574	37	23	initiative	initiative	NOUN
cjfa-37574	37	24	planned	plan	VERB
cjfa-37574	37	25	by	by	ADP
cjfa-37574	37	26	the	the	DET
cjfa-37574	37	27	authorities	authority	NOUN
cjfa-37574	37	28	of	of	ADP
cjfa-37574	37	29	bangladesh	bangladesh	NOUN
cjfa-37574	37	30	is	be	AUX
cjfa-37574	37	31	to	to	PART
cjfa-37574	37	32	increase	increase	VERB
cjfa-37574	37	33	availability	availability	NOUN
cjfa-37574	37	34	of	of	ADP
cjfa-37574	37	35	mfs	mfs	PROPN
cjfa-37574	37	36	,	,	PUNCT
cjfa-37574	37	37	or	or	CCONJ
cjfa-37574	37	38	in	in	ADP
cjfa-37574	37	39	other	other	ADJ
cjfa-37574	37	40	words	word	NOUN
cjfa-37574	37	41	,	,	PUNCT
cjfa-37574	37	42	to	to	PART
cjfa-37574	37	43	increase	increase	VERB
cjfa-37574	37	44	the	the	DET
cjfa-37574	37	45	number	number	NOUN
cjfa-37574	37	46	of	of	ADP
cjfa-37574	37	47	access	access	NOUN
cjfa-37574	37	48	points	point	NOUN
cjfa-37574	37	49	or	or	CCONJ
cjfa-37574	37	50	mfs	mfs	NOUN
cjfa-37574	37	51	agents	agent	NOUN
cjfa-37574	37	52	to	to	PART
cjfa-37574	37	53	get	get	VERB
cjfa-37574	37	54	more	more	ADJ
cjfa-37574	37	55	people	people	NOUN
cjfa-37574	37	56	under	under	ADP
cjfa-37574	37	57	a	a	DET
cjfa-37574	37	58	formal	formal	ADJ
cjfa-37574	37	59	financial	financial	ADJ
cjfa-37574	37	60	system	system	NOUN
cjfa-37574	37	61	.	.	PUNCT
cjfa-37574	38	1	it	it	PRON
cjfa-37574	38	2	may	may	AUX
cjfa-37574	38	3	be	be	AUX
cjfa-37574	38	4	noted	note	VERB
cjfa-37574	38	5	at	at	ADP
cjfa-37574	38	6	this	this	DET
cjfa-37574	38	7	point	point	NOUN
cjfa-37574	38	8	that	that	SCONJ
cjfa-37574	38	9	,	,	PUNCT
cjfa-37574	38	10	research	research	NOUN
cjfa-37574	38	11	on	on	ADP
cjfa-37574	38	12	how	how	SCONJ
cjfa-37574	38	13	mfs	mfs	NOUN
cjfa-37574	38	14	is	be	AUX
cjfa-37574	38	15	contributing	contribute	VERB
cjfa-37574	38	16	to	to	ADP
cjfa-37574	38	17	financial	financial	ADJ
cjfa-37574	38	18	inclusion	inclusion	NOUN
cjfa-37574	38	19	in	in	ADP
cjfa-37574	38	20	bangladesh	bangladesh	PROPN
cjfa-37574	38	21	is	be	AUX
cjfa-37574	38	22	rather	rather	ADV
cjfa-37574	38	23	limited	limited	ADJ
cjfa-37574	38	24	.	.	PUNCT
cjfa-37574	39	1	hence	hence	ADV
cjfa-37574	39	2	,	,	PUNCT
cjfa-37574	39	3	one	one	NUM
cjfa-37574	39	4	of	of	ADP
cjfa-37574	39	5	the	the	DET
cjfa-37574	39	6	objectives	objective	NOUN
cjfa-37574	39	7	of	of	ADP
cjfa-37574	39	8	this	this	DET
cjfa-37574	39	9	paper	paper	NOUN
cjfa-37574	39	10	is	be	AUX
cjfa-37574	39	11	to	to	PART
cjfa-37574	39	12	investigate	investigate	VERB
cjfa-37574	39	13	whether	whether	SCONJ
cjfa-37574	39	14	a	a	DET
cjfa-37574	39	15	particular	particular	ADJ
cjfa-37574	39	16	dimension	dimension	NOUN
cjfa-37574	39	17	of	of	ADP
cjfa-37574	39	18	mfs	mfs	PROPN
cjfa-37574	39	19	,	,	PUNCT
cjfa-37574	39	20	namely	namely	ADV
cjfa-37574	39	21	the	the	DET
cjfa-37574	39	22	number	number	NOUN
cjfa-37574	39	23	of	of	ADP
cjfa-37574	39	24	agents	agent	NOUN
cjfa-37574	39	25	that	that	PRON
cjfa-37574	39	26	provide	provide	VERB
cjfa-37574	39	27	mobile	mobile	ADJ
cjfa-37574	39	28	financial	financial	ADJ
cjfa-37574	39	29	services	service	NOUN
cjfa-37574	39	30	,	,	PUNCT
cjfa-37574	39	31	can	can	AUX
cjfa-37574	39	32	affect	affect	VERB
cjfa-37574	39	33	the	the	DET
cjfa-37574	39	34	number	number	NOUN
cjfa-37574	39	35	of	of	ADP
cjfa-37574	39	36	users	user	NOUN
cjfa-37574	39	37	of	of	ADP
cjfa-37574	39	38	such	such	ADJ
cjfa-37574	39	39	services	service	NOUN
cjfa-37574	39	40	–	–	PUNCT
cjfa-37574	39	41	as	as	SCONJ
cjfa-37574	39	42	indicated	indicate	VERB
cjfa-37574	39	43	by	by	ADP
cjfa-37574	39	44	the	the	DET
cjfa-37574	39	45	number	number	NOUN
cjfa-37574	39	46	of	of	ADP
cjfa-37574	39	47	registered	register	VERB
cjfa-37574	39	48	mfs	mfs	NOUN
cjfa-37574	39	49	users	user	NOUN
cjfa-37574	39	50	in	in	ADP
cjfa-37574	39	51	bangladesh	bangladesh	NOUN
cjfa-37574	39	52	.	.	PUNCT
cjfa-37574	40	1	for	for	ADP
cjfa-37574	40	2	this	this	DET
cjfa-37574	40	3	purpose	purpose	NOUN
cjfa-37574	40	4	,	,	PUNCT
cjfa-37574	40	5	four	four	NUM
cjfa-37574	40	6	years	year	NOUN
cjfa-37574	40	7	of	of	ADP
cjfa-37574	40	8	monthly	monthly	ADJ
cjfa-37574	40	9	time	time	NOUN
cjfa-37574	40	10	series	series	PROPN
cjfa-37574	40	11	data	datum	NOUN
cjfa-37574	40	12	starting	start	VERB
cjfa-37574	40	13	from	from	ADP
cjfa-37574	40	14	january	january	PROPN
cjfa-37574	40	15	,	,	PUNCT
cjfa-37574	40	16	2017	2017	NUM
cjfa-37574	40	17	of	of	ADP
cjfa-37574	40	18	these	these	DET
cjfa-37574	40	19	two	two	NUM
cjfa-37574	40	20	variables	variable	NOUN
cjfa-37574	40	21	were	be	AUX
cjfa-37574	40	22	used	use	VERB
cjfa-37574	40	23	.	.	PUNCT
cjfa-37574	41	1	an	an	DET
cjfa-37574	41	2	additional	additional	ADJ
cjfa-37574	41	3	objective	objective	NOUN
cjfa-37574	41	4	of	of	ADP
cjfa-37574	41	5	this	this	DET
cjfa-37574	41	6	paper	paper	NOUN
cjfa-37574	41	7	is	be	AUX
cjfa-37574	41	8	to	to	PART
cjfa-37574	41	9	have	have	VERB
cjfa-37574	41	10	a	a	DET
cjfa-37574	41	11	deeper	deep	ADJ
cjfa-37574	41	12	look	look	NOUN
cjfa-37574	41	13	at	at	ADP
cjfa-37574	41	14	the	the	DET
cjfa-37574	41	15	two	two	NUM
cjfa-37574	41	16	variables	variable	NOUN
cjfa-37574	41	17	mentioned	mention	VERB
cjfa-37574	41	18	earlier	early	ADV
cjfa-37574	41	19	and	and	CCONJ
cjfa-37574	41	20	their	their	PRON
cjfa-37574	41	21	behavior	behavior	NOUN
cjfa-37574	41	22	over	over	ADP
cjfa-37574	41	23	the	the	DET
cjfa-37574	41	24	same	same	ADJ
cjfa-37574	41	25	time	time	NOUN
cjfa-37574	41	26	period	period	NOUN
cjfa-37574	41	27	in	in	ADP
cjfa-37574	41	28	an	an	DET
cjfa-37574	41	29	attempt	attempt	NOUN
cjfa-37574	41	30	to	to	PART
cjfa-37574	41	31	discover	discover	VERB
cjfa-37574	41	32	how	how	SCONJ
cjfa-37574	41	33	the	the	DET
cjfa-37574	41	34	pandemic	pandemic	NOUN
cjfa-37574	41	35	affected	affect	VERB
cjfa-37574	41	36	the	the	DET
cjfa-37574	41	37	trends	trend	NOUN
cjfa-37574	41	38	of	of	ADP
cjfa-37574	41	39	these	these	DET
cjfa-37574	41	40	variables	variable	NOUN
cjfa-37574	41	41	.	.	PUNCT
cjfa-37574	42	1	by	by	ADP
cjfa-37574	42	2	concentrating	concentrate	VERB
cjfa-37574	42	3	on	on	ADP
cjfa-37574	42	4	these	these	DET
cjfa-37574	42	5	two	two	NUM
cjfa-37574	42	6	objectives	objective	NOUN
cjfa-37574	42	7	,	,	PUNCT
cjfa-37574	42	8	the	the	DET
cjfa-37574	42	9	paper	paper	NOUN
cjfa-37574	42	10	not	not	PART
cjfa-37574	42	11	only	only	ADV
cjfa-37574	42	12	aims	aim	VERB
cjfa-37574	42	13	to	to	PART
cjfa-37574	42	14	provide	provide	VERB
cjfa-37574	42	15	valuable	valuable	ADJ
cjfa-37574	42	16	insights	insight	NOUN
cjfa-37574	42	17	for	for	ADP
cjfa-37574	42	18	policy	policy	NOUN
cjfa-37574	42	19	makers	maker	NOUN
cjfa-37574	42	20	and	and	CCONJ
cjfa-37574	42	21	entities	entity	NOUN
cjfa-37574	42	22	that	that	PRON
cjfa-37574	42	23	are	be	AUX
cjfa-37574	42	24	interested	interested	ADJ
cjfa-37574	42	25	in	in	ADP
cjfa-37574	42	26	enhancing	enhance	VERB
cjfa-37574	42	27	financial	financial	ADJ
cjfa-37574	42	28	inclusion	inclusion	NOUN
cjfa-37574	42	29	,	,	PUNCT
cjfa-37574	42	30	but	but	CCONJ
cjfa-37574	42	31	also	also	ADV
cjfa-37574	42	32	helps	help	VERB
cjfa-37574	42	33	in	in	ADP
cjfa-37574	42	34	understanding	understand	VERB
cjfa-37574	42	35	the	the	DET
cjfa-37574	42	36	trend	trend	NOUN
cjfa-37574	42	37	of	of	ADP
cjfa-37574	42	38	mfs	mfs	NOUN
cjfa-37574	42	39	and	and	CCONJ
cjfa-37574	42	40	financial	financial	ADJ
cjfa-37574	42	41	inclusion	inclusion	NOUN
cjfa-37574	42	42	in	in	ADP
cjfa-37574	42	43	bangladesh	bangladesh	NOUN
cjfa-37574	42	44	,	,	PUNCT
cjfa-37574	42	45	and	and	CCONJ
cjfa-37574	42	46	if	if	SCONJ
cjfa-37574	42	47	the	the	DET
cjfa-37574	42	48	covid-19	covid-19	PROPN
cjfa-37574	42	49	pandemic	pandemic	NOUN
cjfa-37574	42	50	had	have	VERB
cjfa-37574	42	51	an	an	DET
cjfa-37574	42	52	impact	impact	NOUN
cjfa-37574	42	53	on	on	ADP
cjfa-37574	42	54	the	the	DET
cjfa-37574	42	55	trend	trend	NOUN
cjfa-37574	42	56	.	.	PUNCT
cjfa-37574	43	1	literature	literature	NOUN
cjfa-37574	43	2	review	review	NOUN
cjfa-37574	43	3	ensuring	ensure	VERB
cjfa-37574	43	4	access	access	NOUN
cjfa-37574	43	5	to	to	ADP
cjfa-37574	43	6	financial	financial	ADJ
cjfa-37574	43	7	services	service	NOUN
cjfa-37574	43	8	for	for	ADP
cjfa-37574	43	9	people	people	NOUN
cjfa-37574	43	10	from	from	ADP
cjfa-37574	43	11	every	every	DET
cjfa-37574	43	12	socio	socio	NOUN
cjfa-37574	43	13	-	-	PUNCT
cjfa-37574	43	14	economic	economic	ADJ
cjfa-37574	43	15	class	class	NOUN
cjfa-37574	43	16	of	of	ADP
cjfa-37574	43	17	a	a	DET
cjfa-37574	43	18	nation	nation	NOUN
cjfa-37574	43	19	is	be	AUX
cjfa-37574	43	20	imperative	imperative	ADJ
cjfa-37574	43	21	for	for	ADP
cjfa-37574	43	22	economic	economic	ADJ
cjfa-37574	43	23	growth	growth	NOUN
cjfa-37574	43	24	.	.	PUNCT
cjfa-37574	44	1	indeed	indeed	ADV
cjfa-37574	44	2	,	,	PUNCT
cjfa-37574	44	3	it	it	PRON
cjfa-37574	44	4	has	have	AUX
cjfa-37574	44	5	been	be	AUX
cjfa-37574	44	6	shown	show	VERB
cjfa-37574	44	7	that	that	SCONJ
cjfa-37574	44	8	financial	financial	ADJ
cjfa-37574	44	9	inclusion	inclusion	NOUN
cjfa-37574	44	10	has	have	VERB
cjfa-37574	44	11	positive	positive	ADJ
cjfa-37574	44	12	effect	effect	NOUN
cjfa-37574	44	13	on	on	ADP
cjfa-37574	44	14	the	the	DET
cjfa-37574	44	15	economic	economic	ADJ
cjfa-37574	44	16	growth	growth	NOUN
cjfa-37574	44	17	(	(	PUNCT
cjfa-37574	44	18	iqbal	iqbal	PROPN
cjfa-37574	44	19	&	&	CCONJ
cjfa-37574	44	20	sami	sami	PROPN
cjfa-37574	44	21	,	,	PUNCT
cjfa-37574	44	22	2017	2017	NUM
cjfa-37574	44	23	;	;	PUNCT
cjfa-37574	44	24	kim	kim	PROPN
cjfa-37574	44	25	,	,	PUNCT
cjfa-37574	44	26	yu	yu	PROPN
cjfa-37574	44	27	&	&	CCONJ
cjfa-37574	44	28	hasan	hasan	PROPN
cjfa-37574	44	29	,	,	PUNCT
cjfa-37574	44	30	2018	2018	NUM
cjfa-37574	44	31	;	;	PUNCT
cjfa-37574	44	32	sharma	sharma	NOUN
cjfa-37574	44	33	,	,	PUNCT
cjfa-37574	44	34	2016	2016	NUM
cjfa-37574	44	35	)	)	PUNCT
cjfa-37574	44	36	.	.	PUNCT
cjfa-37574	45	1	moreover	moreover	ADV
cjfa-37574	45	2	,	,	PUNCT
cjfa-37574	45	3	financial	financial	ADJ
cjfa-37574	45	4	inmohammad	inmohammad	NOUN
cjfa-37574	45	5	ali	ali	PROPN
cjfa-37574	45	6	ashraf12	ashraf12	NOUN
cjfa-37574	45	7	clusion	clusion	NOUN
cjfa-37574	45	8	contributes	contribute	VERB
cjfa-37574	45	9	to	to	ADP
cjfa-37574	45	10	the	the	DET
cjfa-37574	45	11	development	development	NOUN
cjfa-37574	45	12	of	of	ADP
cjfa-37574	45	13	society	society	NOUN
cjfa-37574	45	14	and	and	CCONJ
cjfa-37574	45	15	lessens	lessen	VERB
cjfa-37574	45	16	the	the	DET
cjfa-37574	45	17	gap	gap	NOUN
cjfa-37574	45	18	between	between	ADP
cjfa-37574	45	19	people	people	NOUN
cjfa-37574	45	20	from	from	ADP
cjfa-37574	45	21	different	different	ADJ
cjfa-37574	45	22	financial	financial	ADJ
cjfa-37574	45	23	tiers	tier	NOUN
cjfa-37574	45	24	.	.	PUNCT
cjfa-37574	46	1	in	in	ADP
cjfa-37574	46	2	addition	addition	NOUN
cjfa-37574	46	3	,	,	PUNCT
cjfa-37574	46	4	as	as	SCONJ
cjfa-37574	46	5	more	more	ADJ
cjfa-37574	46	6	people	people	NOUN
cjfa-37574	46	7	start	start	VERB
cjfa-37574	46	8	availing	avail	VERB
cjfa-37574	46	9	financial	financial	ADJ
cjfa-37574	46	10	services	service	NOUN
cjfa-37574	46	11	,	,	PUNCT
cjfa-37574	46	12	their	their	PRON
cjfa-37574	46	13	transactions	transaction	NOUN
cjfa-37574	46	14	boost	boost	VERB
cjfa-37574	46	15	money	money	NOUN
cjfa-37574	46	16	flow	flow	NOUN
cjfa-37574	46	17	in	in	ADP
cjfa-37574	46	18	the	the	DET
cjfa-37574	46	19	economy	economy	NOUN
cjfa-37574	46	20	(	(	PUNCT
cjfa-37574	46	21	damodaran	damodaran	VERB
cjfa-37574	46	22	,	,	PUNCT
cjfa-37574	46	23	2013	2013	NUM
cjfa-37574	46	24	)	)	PUNCT
cjfa-37574	46	25	.	.	PUNCT
cjfa-37574	47	1	it	it	PRON
cjfa-37574	47	2	has	have	AUX
cjfa-37574	47	3	also	also	ADV
cjfa-37574	47	4	been	be	AUX
cjfa-37574	47	5	argued	argue	VERB
cjfa-37574	47	6	that	that	SCONJ
cjfa-37574	47	7	the	the	DET
cjfa-37574	47	8	benefits	benefit	NOUN
cjfa-37574	47	9	of	of	ADP
cjfa-37574	47	10	financial	financial	ADJ
cjfa-37574	47	11	inclusion	inclusion	NOUN
cjfa-37574	47	12	reach	reach	VERB
cjfa-37574	47	13	beyond	beyond	ADP
cjfa-37574	47	14	its	its	PRON
cjfa-37574	47	15	users	user	NOUN
cjfa-37574	47	16	.	.	PUNCT
cjfa-37574	48	1	ozili	ozili	NOUN
cjfa-37574	48	2	(	(	PUNCT
cjfa-37574	48	3	2018	2018	NUM
cjfa-37574	48	4	)	)	PUNCT
cjfa-37574	48	5	stated	state	VERB
cjfa-37574	48	6	that	that	SCONJ
cjfa-37574	48	7	mfs	mfs	NOUN
cjfa-37574	48	8	providers	provider	NOUN
cjfa-37574	48	9	and	and	CCONJ
cjfa-37574	48	10	government	government	NOUN
cjfa-37574	48	11	,	,	PUNCT
cjfa-37574	48	12	both	both	PRON
cjfa-37574	48	13	benefit	benefit	VERB
cjfa-37574	48	14	from	from	ADP
cjfa-37574	48	15	a	a	DET
cjfa-37574	48	16	population	population	NOUN
cjfa-37574	48	17	that	that	PRON
cjfa-37574	48	18	is	be	AUX
cjfa-37574	48	19	financially	financially	ADV
cjfa-37574	48	20	inclusive	inclusive	ADJ
cjfa-37574	48	21	.	.	PUNCT
cjfa-37574	49	1	people	people	NOUN
cjfa-37574	49	2	that	that	PRON
cjfa-37574	49	3	remain	remain	AUX
cjfa-37574	49	4	excluded	exclude	VERB
cjfa-37574	49	5	from	from	ADP
cjfa-37574	49	6	financial	financial	ADJ
cjfa-37574	49	7	inclusion	inclusion	NOUN
cjfa-37574	49	8	suffer	suffer	VERB
cjfa-37574	49	9	from	from	ADP
cjfa-37574	49	10	poverty	poverty	NOUN
cjfa-37574	49	11	and	and	CCONJ
cjfa-37574	49	12	economic	economic	ADJ
cjfa-37574	49	13	instability	instability	NOUN
cjfa-37574	49	14	.	.	PUNCT
cjfa-37574	50	1	those	those	PRON
cjfa-37574	50	2	who	who	PRON
cjfa-37574	50	3	are	be	AUX
cjfa-37574	50	4	unable	unable	ADJ
cjfa-37574	50	5	to	to	PART
cjfa-37574	50	6	access	access	VERB
cjfa-37574	50	7	financial	financial	ADJ
cjfa-37574	50	8	services	service	NOUN
cjfa-37574	50	9	,	,	PUNCT
cjfa-37574	50	10	face	face	VERB
cjfa-37574	50	11	multi	multi	ADJ
cjfa-37574	50	12	-	-	ADJ
cjfa-37574	50	13	dimensional	dimensional	ADJ
cjfa-37574	50	14	social	social	ADJ
cjfa-37574	50	15	exclusion	exclusion	NOUN
cjfa-37574	50	16	as	as	ADV
cjfa-37574	50	17	well	well	ADV
cjfa-37574	50	18	(	(	PUNCT
cjfa-37574	50	19	devlin	devlin	NOUN
cjfa-37574	50	20	,	,	PUNCT
cjfa-37574	50	21	2005	2005	NUM
cjfa-37574	50	22	)	)	PUNCT
cjfa-37574	50	23	.	.	PUNCT
cjfa-37574	51	1	it	it	PRON
cjfa-37574	51	2	has	have	AUX
cjfa-37574	51	3	also	also	ADV
cjfa-37574	51	4	been	be	AUX
cjfa-37574	51	5	shown	show	VERB
cjfa-37574	51	6	that	that	SCONJ
cjfa-37574	51	7	people	people	NOUN
cjfa-37574	51	8	who	who	PRON
cjfa-37574	51	9	are	be	AUX
cjfa-37574	51	10	unable	unable	ADJ
cjfa-37574	51	11	to	to	PART
cjfa-37574	51	12	access	access	VERB
cjfa-37574	51	13	financial	financial	ADJ
cjfa-37574	51	14	services	service	NOUN
cjfa-37574	51	15	incur	incur	VERB
cjfa-37574	51	16	additional	additional	ADJ
cjfa-37574	51	17	expenses	expense	NOUN
cjfa-37574	51	18	in	in	ADP
cjfa-37574	51	19	managing	manage	VERB
cjfa-37574	51	20	household	household	NOUN
cjfa-37574	51	21	resources	resource	NOUN
cjfa-37574	51	22	.	.	PUNCT
cjfa-37574	52	1	besides	besides	SCONJ
cjfa-37574	52	2	,	,	PUNCT
cjfa-37574	52	3	a	a	DET
cjfa-37574	52	4	population	population	NOUN
cjfa-37574	52	5	facing	face	VERB
cjfa-37574	52	6	financial	financial	ADJ
cjfa-37574	52	7	exclusion	exclusion	NOUN
cjfa-37574	52	8	often	often	ADV
cjfa-37574	52	9	have	have	VERB
cjfa-37574	52	10	difficulties	difficulty	NOUN
cjfa-37574	52	11	in	in	ADP
cjfa-37574	52	12	getting	get	VERB
cjfa-37574	52	13	employment	employment	NOUN
cjfa-37574	52	14	(	(	PUNCT
cjfa-37574	52	15	corr	corr	NOUN
cjfa-37574	52	16	,	,	PUNCT
cjfa-37574	52	17	2006	2006	NUM
cjfa-37574	52	18	)	)	PUNCT
cjfa-37574	52	19	.	.	PUNCT
cjfa-37574	53	1	additionally	additionally	ADV
cjfa-37574	53	2	,	,	PUNCT
cjfa-37574	53	3	businesses	business	NOUN
cjfa-37574	53	4	often	often	ADV
cjfa-37574	53	5	fail	fail	VERB
cjfa-37574	53	6	to	to	PART
cjfa-37574	53	7	reap	reap	VERB
cjfa-37574	53	8	the	the	DET
cjfa-37574	53	9	benefits	benefit	NOUN
cjfa-37574	53	10	of	of	ADP
cjfa-37574	53	11	mfs	mfs	NOUN
cjfa-37574	53	12	as	as	SCONJ
cjfa-37574	53	13	it	it	PRON
cjfa-37574	53	14	incurs	incur	VERB
cjfa-37574	53	15	high	high	ADJ
cjfa-37574	53	16	transaction	transaction	NOUN
cjfa-37574	53	17	costs	cost	NOUN
cjfa-37574	53	18	(	(	PUNCT
cjfa-37574	53	19	kabir	kabir	PROPN
cjfa-37574	53	20	,	,	PUNCT
cjfa-37574	53	21	sadrul	sadrul	PROPN
cjfa-37574	53	22	huda	huda	PROPN
cjfa-37574	53	23	&	&	CCONJ
cjfa-37574	53	24	faruq	faruq	PROPN
cjfa-37574	53	25	,	,	PUNCT
cjfa-37574	53	26	2020	2020	NUM
cjfa-37574	53	27	)	)	PUNCT
cjfa-37574	53	28	.	.	PUNCT
cjfa-37574	54	1	as	as	SCONJ
cjfa-37574	54	2	discussed	discuss	VERB
cjfa-37574	54	3	earlier	early	ADV
cjfa-37574	54	4	,	,	PUNCT
cjfa-37574	54	5	financial	financial	ADJ
cjfa-37574	54	6	inclusion	inclusion	NOUN
cjfa-37574	54	7	is	be	AUX
cjfa-37574	54	8	crucial	crucial	ADJ
cjfa-37574	54	9	for	for	ADP
cjfa-37574	54	10	economic	economic	ADJ
cjfa-37574	54	11	development	development	NOUN
cjfa-37574	54	12	,	,	PUNCT
cjfa-37574	54	13	and	and	CCONJ
cjfa-37574	54	14	it	it	PRON
cjfa-37574	54	15	is	be	AUX
cjfa-37574	54	16	essential	essential	ADJ
cjfa-37574	54	17	to	to	PART
cjfa-37574	54	18	look	look	VERB
cjfa-37574	54	19	at	at	ADP
cjfa-37574	54	20	how	how	SCONJ
cjfa-37574	54	21	mobile	mobile	ADJ
cjfa-37574	54	22	devices	device	NOUN
cjfa-37574	54	23	are	be	AUX
cjfa-37574	54	24	contributing	contribute	VERB
cjfa-37574	54	25	towards	towards	ADP
cjfa-37574	54	26	financial	financial	ADJ
cjfa-37574	54	27	inclusion	inclusion	NOUN
cjfa-37574	54	28	.	.	PUNCT
cjfa-37574	55	1	smartphones	smartphone	NOUN
cjfa-37574	55	2	are	be	AUX
cjfa-37574	55	3	becoming	become	VERB
cjfa-37574	55	4	a	a	DET
cjfa-37574	55	5	household	household	NOUN
cjfa-37574	55	6	item	item	NOUN
cjfa-37574	55	7	for	for	ADP
cjfa-37574	55	8	a	a	DET
cjfa-37574	55	9	significant	significant	ADJ
cjfa-37574	55	10	share	share	NOUN
cjfa-37574	55	11	of	of	ADP
cjfa-37574	55	12	the	the	DET
cjfa-37574	55	13	global	global	ADJ
cjfa-37574	55	14	population	population	NOUN
cjfa-37574	55	15	.	.	PUNCT
cjfa-37574	56	1	along	along	ADP
cjfa-37574	56	2	with	with	ADP
cjfa-37574	56	3	relatively	relatively	ADV
cjfa-37574	56	4	cheap	cheap	ADJ
cjfa-37574	56	5	mobile	mobile	ADJ
cjfa-37574	56	6	internet	internet	NOUN
cjfa-37574	56	7	services	service	NOUN
cjfa-37574	56	8	,	,	PUNCT
cjfa-37574	56	9	smartphone	smartphone	NOUN
cjfa-37574	56	10	users	user	NOUN
cjfa-37574	56	11	,	,	PUNCT
cjfa-37574	56	12	particularly	particularly	ADV
cjfa-37574	56	13	individuals	individual	NOUN
cjfa-37574	56	14	fighting	fight	VERB
cjfa-37574	56	15	with	with	ADP
cjfa-37574	56	16	poverty	poverty	NOUN
cjfa-37574	56	17	or	or	CCONJ
cjfa-37574	56	18	those	those	PRON
cjfa-37574	56	19	from	from	ADP
cjfa-37574	56	20	remote	remote	ADJ
cjfa-37574	56	21	areas	area	NOUN
cjfa-37574	56	22	,	,	PUNCT
cjfa-37574	56	23	are	be	AUX
cjfa-37574	56	24	availing	avail	VERB
cjfa-37574	56	25	banking	banking	NOUN
cjfa-37574	56	26	and	and	CCONJ
cjfa-37574	56	27	financial	financial	ADJ
cjfa-37574	56	28	services	service	NOUN
cjfa-37574	56	29	that	that	PRON
cjfa-37574	56	30	were	be	AUX
cjfa-37574	56	31	previously	previously	ADV
cjfa-37574	56	32	inaccessible	inaccessible	ADJ
cjfa-37574	56	33	.	.	PUNCT
cjfa-37574	57	1	a	a	DET
cjfa-37574	57	2	significant	significant	ADJ
cjfa-37574	57	3	number	number	NOUN
cjfa-37574	57	4	of	of	ADP
cjfa-37574	57	5	studies	study	NOUN
cjfa-37574	57	6	have	have	AUX
cjfa-37574	57	7	shown	show	VERB
cjfa-37574	57	8	evidence	evidence	NOUN
cjfa-37574	57	9	in	in	ADP
cjfa-37574	57	10	favor	favor	NOUN
cjfa-37574	57	11	of	of	ADP
cjfa-37574	57	12	this	this	DET
cjfa-37574	57	13	phenomenon	phenomenon	NOUN
cjfa-37574	57	14	.	.	PUNCT
cjfa-37574	58	1	huge	huge	ADJ
cjfa-37574	58	2	investments	investment	NOUN
cjfa-37574	58	3	have	have	AUX
cjfa-37574	58	4	been	be	AUX
cjfa-37574	58	5	made	make	VERB
cjfa-37574	58	6	in	in	ADP
cjfa-37574	58	7	infrastructures	infrastructure	NOUN
cjfa-37574	58	8	and	and	CCONJ
cjfa-37574	58	9	applications	application	NOUN
cjfa-37574	58	10	that	that	PRON
cjfa-37574	58	11	use	use	VERB
cjfa-37574	58	12	mobile	mobile	ADJ
cjfa-37574	58	13	phones	phone	NOUN
cjfa-37574	58	14	to	to	PART
cjfa-37574	58	15	deliver	deliver	VERB
cjfa-37574	58	16	financial	financial	ADJ
cjfa-37574	58	17	services	service	NOUN
cjfa-37574	58	18	,	,	PUNCT
cjfa-37574	58	19	in	in	ADP
cjfa-37574	58	20	order	order	NOUN
cjfa-37574	58	21	to	to	PART
cjfa-37574	58	22	bring	bring	VERB
cjfa-37574	58	23	the	the	DET
cjfa-37574	58	24	poor	poor	ADJ
cjfa-37574	58	25	and	and	CCONJ
cjfa-37574	58	26	unbanked	unbanked	ADJ
cjfa-37574	58	27	population	population	NOUN
cjfa-37574	58	28	under	under	ADP
cjfa-37574	58	29	the	the	DET
cjfa-37574	58	30	umbrella	umbrella	NOUN
cjfa-37574	58	31	of	of	ADP
cjfa-37574	58	32	financial	financial	ADJ
cjfa-37574	58	33	inclusion	inclusion	NOUN
cjfa-37574	58	34	(	(	PUNCT
cjfa-37574	58	35	porteous	porteous	NOUN
cjfa-37574	58	36	,	,	PUNCT
cjfa-37574	58	37	2006	2006	NUM
cjfa-37574	58	38	;	;	PUNCT
cjfa-37574	58	39	vodafone	vodafone	NOUN
cjfa-37574	58	40	,	,	PUNCT
cjfa-37574	58	41	2007	2007	NUM
cjfa-37574	58	42	;	;	PUNCT
cjfa-37574	58	43	bangens	bangen	NOUN
cjfa-37574	58	44	&	&	CCONJ
cjfa-37574	58	45	soderberg	soderberg	PROPN
cjfa-37574	58	46	,	,	PUNCT
cjfa-37574	58	47	2008	2008	NUM
cjfa-37574	58	48	;	;	PUNCT
cjfa-37574	58	49	world	world	PROPN
cjfa-37574	58	50	bank	bank	PROPN
cjfa-37574	58	51	,	,	PUNCT
cjfa-37574	58	52	2012	2012	NUM
cjfa-37574	58	53	)	)	PUNCT
cjfa-37574	58	54	.	.	PUNCT
cjfa-37574	59	1	likewise	likewise	ADV
cjfa-37574	59	2	,	,	PUNCT
cjfa-37574	59	3	horne	horne	PROPN
cjfa-37574	59	4	(	(	PUNCT
cjfa-37574	59	5	1985	1985	NUM
cjfa-37574	59	6	)	)	PUNCT
cjfa-37574	59	7	,	,	PUNCT
cjfa-37574	59	8	frame	frame	NOUN
cjfa-37574	59	9	and	and	CCONJ
cjfa-37574	59	10	white	white	ADJ
cjfa-37574	59	11	(	(	PUNCT
cjfa-37574	59	12	2004	2004	NUM
cjfa-37574	59	13	)	)	PUNCT
cjfa-37574	59	14	found	find	VERB
cjfa-37574	59	15	that	that	SCONJ
cjfa-37574	59	16	one	one	NUM
cjfa-37574	59	17	form	form	NOUN
cjfa-37574	59	18	of	of	ADP
cjfa-37574	59	19	financial	financial	ADJ
cjfa-37574	59	20	innovation	innovation	NOUN
cjfa-37574	59	21	is	be	AUX
cjfa-37574	59	22	mobile	mobile	ADJ
cjfa-37574	59	23	technology	technology	NOUN
cjfa-37574	59	24	,	,	PUNCT
cjfa-37574	59	25	and	and	CCONJ
cjfa-37574	59	26	such	such	ADJ
cjfa-37574	59	27	innovations	innovation	NOUN
cjfa-37574	59	28	have	have	VERB
cjfa-37574	59	29	multi	multi	ADJ
cjfa-37574	59	30	-	-	ADJ
cjfa-37574	59	31	dimensional	dimensional	ADJ
cjfa-37574	59	32	effects	effect	NOUN
cjfa-37574	59	33	.	.	PUNCT
cjfa-37574	60	1	innovative	innovative	ADJ
cjfa-37574	60	2	mobile	mobile	ADJ
cjfa-37574	60	3	technologies	technology	NOUN
cjfa-37574	60	4	improve	improve	VERB
cjfa-37574	60	5	efficiency	efficiency	NOUN
cjfa-37574	60	6	and	and	CCONJ
cjfa-37574	60	7	effectiveness	effectiveness	NOUN
cjfa-37574	60	8	of	of	ADP
cjfa-37574	60	9	the	the	DET
cjfa-37574	60	10	financial	financial	ADJ
cjfa-37574	60	11	system	system	NOUN
cjfa-37574	60	12	and	and	CCONJ
cjfa-37574	60	13	thus	thus	ADV
cjfa-37574	60	14	,	,	PUNCT
cjfa-37574	60	15	improves	improve	VERB
cjfa-37574	60	16	financial	financial	ADJ
cjfa-37574	60	17	inclusion	inclusion	NOUN
cjfa-37574	60	18	.	.	PUNCT
cjfa-37574	61	1	additionally	additionally	ADV
cjfa-37574	61	2	,	,	PUNCT
cjfa-37574	61	3	one	one	NUM
cjfa-37574	61	4	study	study	NOUN
cjfa-37574	61	5	indicated	indicate	VERB
cjfa-37574	61	6	that	that	SCONJ
cjfa-37574	61	7	mfs	mfs	NOUN
cjfa-37574	61	8	is	be	AUX
cjfa-37574	61	9	responsible	responsible	ADJ
cjfa-37574	61	10	for	for	ADP
cjfa-37574	61	11	increasing	increase	VERB
cjfa-37574	61	12	the	the	DET
cjfa-37574	61	13	volume	volume	NOUN
cjfa-37574	61	14	and	and	CCONJ
cjfa-37574	61	15	frequency	frequency	NOUN
cjfa-37574	61	16	of	of	ADP
cjfa-37574	61	17	remittances	remittance	NOUN
cjfa-37574	61	18	received	receive	VERB
cjfa-37574	61	19	by	by	ADP
cjfa-37574	61	20	users	user	NOUN
cjfa-37574	61	21	,	,	PUNCT
cjfa-37574	61	22	and	and	CCONJ
cjfa-37574	61	23	a	a	DET
cjfa-37574	61	24	small	small	ADJ
cjfa-37574	61	25	increase	increase	NOUN
cjfa-37574	61	26	in	in	ADP
cjfa-37574	61	27	savings	saving	NOUN
cjfa-37574	61	28	by	by	ADP
cjfa-37574	61	29	such	such	ADJ
cjfa-37574	61	30	users	user	NOUN
cjfa-37574	61	31	(	(	PUNCT
cjfa-37574	61	32	alampay	alampay	PROPN
cjfa-37574	61	33	,	,	PUNCT
cjfa-37574	61	34	moshi	moshi	PROPN
cjfa-37574	61	35	,	,	PUNCT
cjfa-37574	61	36	ghosh	ghosh	PROPN
cjfa-37574	61	37	,	,	PUNCT
cjfa-37574	61	38	peralta	peralta	PROPN
cjfa-37574	61	39	&	&	CCONJ
cjfa-37574	61	40	harshanti	harshanti	PROPN
cjfa-37574	61	41	,	,	PUNCT
cjfa-37574	61	42	2017	2017	NUM
cjfa-37574	61	43	)	)	PUNCT
cjfa-37574	61	44	.	.	PUNCT
cjfa-37574	62	1	kim	kim	PROPN
cjfa-37574	62	2	,	,	PUNCT
cjfa-37574	62	3	zoo	zoo	PROPN
cjfa-37574	62	4	,	,	PUNCT
cjfa-37574	62	5	lee	lee	PROPN
cjfa-37574	62	6	and	and	CCONJ
cjfa-37574	62	7	kang	kang	PROPN
cjfa-37574	62	8	(	(	PUNCT
cjfa-37574	62	9	2018	2018	NUM
cjfa-37574	62	10	)	)	PUNCT
cjfa-37574	62	11	,	,	PUNCT
cjfa-37574	62	12	mbogo	mbogo	NOUN
cjfa-37574	62	13	(	(	PUNCT
cjfa-37574	62	14	2010	2010	NUM
cjfa-37574	62	15	)	)	PUNCT
cjfa-37574	62	16	also	also	ADV
cjfa-37574	62	17	argued	argue	VERB
cjfa-37574	62	18	that	that	SCONJ
cjfa-37574	62	19	delivery	delivery	NOUN
cjfa-37574	62	20	of	of	ADP
cjfa-37574	62	21	financial	financial	ADJ
cjfa-37574	62	22	services	service	NOUN
cjfa-37574	62	23	by	by	ADP
cjfa-37574	62	24	means	mean	NOUN
cjfa-37574	62	25	of	of	ADP
cjfa-37574	62	26	mobile	mobile	ADJ
cjfa-37574	62	27	devices	device	NOUN
cjfa-37574	62	28	enables	enable	VERB
cjfa-37574	62	29	financial	financial	ADJ
cjfa-37574	62	30	inclusion	inclusion	NOUN
cjfa-37574	62	31	.	.	PUNCT
cjfa-37574	63	1	nevertheless	nevertheless	ADV
cjfa-37574	63	2	,	,	PUNCT
cjfa-37574	63	3	even	even	ADV
cjfa-37574	63	4	in	in	ADP
cjfa-37574	63	5	this	this	DET
cjfa-37574	63	6	era	era	NOUN
cjfa-37574	63	7	of	of	ADP
cjfa-37574	63	8	information	information	NOUN
cjfa-37574	63	9	and	and	CCONJ
cjfa-37574	63	10	communication	communication	NOUN
cjfa-37574	63	11	technology	technology	NOUN
cjfa-37574	63	12	,	,	PUNCT
cjfa-37574	63	13	a	a	DET
cjfa-37574	63	14	huge	huge	ADJ
cjfa-37574	63	15	portion	portion	NOUN
cjfa-37574	63	16	of	of	ADP
cjfa-37574	63	17	the	the	DET
cjfa-37574	63	18	global	global	ADJ
cjfa-37574	63	19	population	population	NOUN
cjfa-37574	63	20	remains	remain	VERB
cjfa-37574	63	21	unbanked	unbanked	ADJ
cjfa-37574	63	22	.	.	PUNCT
cjfa-37574	64	1	at	at	ADP
cjfa-37574	64	2	the	the	DET
cjfa-37574	64	3	beginning	beginning	NOUN
cjfa-37574	64	4	of	of	ADP
cjfa-37574	64	5	21st	21st	ADJ
cjfa-37574	64	6	century	century	NOUN
cjfa-37574	64	7	,	,	PUNCT
cjfa-37574	64	8	half	half	NOUN
cjfa-37574	64	9	of	of	ADP
cjfa-37574	64	10	the	the	DET
cjfa-37574	64	11	global	global	ADJ
cjfa-37574	64	12	population	population	NOUN
cjfa-37574	64	13	had	have	VERB
cjfa-37574	64	14	no	no	DET
cjfa-37574	64	15	access	access	NOUN
cjfa-37574	64	16	to	to	ADP
cjfa-37574	64	17	banking	banking	NOUN
cjfa-37574	64	18	services	service	NOUN
cjfa-37574	64	19	the	the	DET
cjfa-37574	64	20	impact	impact	NOUN
cjfa-37574	64	21	of	of	ADP
cjfa-37574	64	22	mobile	mobile	ADJ
cjfa-37574	64	23	financial	financial	ADJ
cjfa-37574	64	24	services	service	NOUN
cjfa-37574	64	25	…	…	PUNCT
cjfa-37574	64	26	13	13	NUM
cjfa-37574	64	27	(	(	PUNCT
cjfa-37574	64	28	chaia	chaia	PROPN
cjfa-37574	64	29	,	,	PUNCT
cjfa-37574	64	30	dalal	dalal	PROPN
cjfa-37574	64	31	,	,	PUNCT
cjfa-37574	64	32	goland	goland	NOUN
cjfa-37574	64	33	,	,	PUNCT
cjfa-37574	64	34	gonzalez	gonzalez	PROPN
cjfa-37574	64	35	,	,	PUNCT
cjfa-37574	64	36	morduch	morduch	PROPN
cjfa-37574	64	37	&	&	CCONJ
cjfa-37574	64	38	schif	schif	PROPN
cjfa-37574	64	39	,	,	PUNCT
cjfa-37574	64	40	2009	2009	NUM
cjfa-37574	64	41	)	)	PUNCT
cjfa-37574	64	42	.	.	PUNCT
cjfa-37574	65	1	there	there	PRON
cjfa-37574	65	2	was	be	VERB
cjfa-37574	65	3	no	no	DET
cjfa-37574	65	4	significant	significant	ADJ
cjfa-37574	65	5	change	change	NOUN
cjfa-37574	65	6	in	in	ADP
cjfa-37574	65	7	this	this	DET
cjfa-37574	65	8	parameter	parameter	NOUN
cjfa-37574	65	9	as	as	SCONJ
cjfa-37574	65	10	indicated	indicate	VERB
cjfa-37574	65	11	by	by	ADP
cjfa-37574	65	12	world	world	PROPN
cjfa-37574	65	13	bank	bank	PROPN
cjfa-37574	65	14	(	(	PUNCT
cjfa-37574	65	15	2012	2012	NUM
cjfa-37574	65	16	)	)	PUNCT
cjfa-37574	65	17	.	.	PUNCT
cjfa-37574	66	1	although	although	SCONJ
cjfa-37574	66	2	a	a	DET
cjfa-37574	66	3	newer	new	ADJ
cjfa-37574	66	4	survey	survey	NOUN
cjfa-37574	66	5	by	by	ADP
cjfa-37574	66	6	world	world	PROPN
cjfa-37574	66	7	bank	bank	PROPN
cjfa-37574	66	8	(	(	PUNCT
cjfa-37574	66	9	2018	2018	NUM
cjfa-37574	66	10	)	)	PUNCT
cjfa-37574	66	11	reported	report	VERB
cjfa-37574	66	12	that	that	SCONJ
cjfa-37574	66	13	the	the	DET
cjfa-37574	66	14	number	number	NOUN
cjfa-37574	66	15	of	of	ADP
cjfa-37574	66	16	financially	financially	ADV
cjfa-37574	66	17	included	include	VERB
cjfa-37574	66	18	individuals	individual	NOUN
cjfa-37574	66	19	are	be	AUX
cjfa-37574	66	20	increasing	increase	VERB
cjfa-37574	66	21	,	,	PUNCT
cjfa-37574	66	22	about	about	ADV
cjfa-37574	66	23	one	one	NUM
cjfa-37574	66	24	-	-	PUNCT
cjfa-37574	66	25	third	third	NOUN
cjfa-37574	66	26	of	of	ADP
cjfa-37574	66	27	the	the	DET
cjfa-37574	66	28	population	population	NOUN
cjfa-37574	66	29	still	still	ADV
cjfa-37574	66	30	remains	remain	VERB
cjfa-37574	66	31	unbanked	unbanked	ADJ
cjfa-37574	66	32	.	.	PUNCT
cjfa-37574	67	1	the	the	DET
cjfa-37574	67	2	situation	situation	NOUN
cjfa-37574	67	3	is	be	AUX
cjfa-37574	67	4	not	not	PART
cjfa-37574	67	5	very	very	ADV
cjfa-37574	67	6	different	different	ADJ
cjfa-37574	67	7	in	in	ADP
cjfa-37574	67	8	the	the	DET
cjfa-37574	67	9	case	case	NOUN
cjfa-37574	67	10	of	of	ADP
cjfa-37574	67	11	bangladesh	bangladesh	NOUN
cjfa-37574	67	12	.	.	PUNCT
cjfa-37574	68	1	according	accord	VERB
cjfa-37574	68	2	to	to	ADP
cjfa-37574	68	3	world	world	PROPN
cjfa-37574	68	4	bank	bank	PROPN
cjfa-37574	68	5	,	,	PUNCT
cjfa-37574	68	6	in	in	ADP
cjfa-37574	68	7	2011	2011	NUM
cjfa-37574	68	8	,	,	PUNCT
cjfa-37574	68	9	only	only	ADV
cjfa-37574	68	10	31.7	31.7	NUM
cjfa-37574	68	11	%	%	NOUN
cjfa-37574	68	12	of	of	ADP
cjfa-37574	68	13	people	people	NOUN
cjfa-37574	68	14	in	in	ADP
cjfa-37574	68	15	bangladesh	bangladesh	NOUN
cjfa-37574	68	16	had	have	VERB
cjfa-37574	68	17	access	access	NOUN
cjfa-37574	68	18	to	to	ADP
cjfa-37574	68	19	financial	financial	ADJ
cjfa-37574	68	20	services	service	NOUN
cjfa-37574	68	21	.	.	PUNCT
cjfa-37574	69	1	in	in	ADP
cjfa-37574	69	2	2014	2014	NUM
cjfa-37574	69	3	,	,	PUNCT
cjfa-37574	69	4	this	this	DET
cjfa-37574	69	5	number	number	NOUN
cjfa-37574	69	6	declined	decline	VERB
cjfa-37574	69	7	slightly	slightly	ADV
cjfa-37574	69	8	to	to	ADP
cjfa-37574	69	9	31	31	NUM
cjfa-37574	69	10	%	%	NOUN
cjfa-37574	69	11	,	,	PUNCT
cjfa-37574	69	12	and	and	CCONJ
cjfa-37574	69	13	finally	finally	ADV
cjfa-37574	69	14	reached	reach	VERB
cjfa-37574	69	15	50	50	NUM
cjfa-37574	69	16	%	%	NOUN
cjfa-37574	69	17	in	in	ADP
cjfa-37574	69	18	2018	2018	NUM
cjfa-37574	69	19	.	.	PUNCT
cjfa-37574	70	1	in	in	ADP
cjfa-37574	70	2	contrast	contrast	NOUN
cjfa-37574	70	3	,	,	PUNCT
cjfa-37574	70	4	almost	almost	ADV
cjfa-37574	70	5	70	70	NUM
cjfa-37574	70	6	%	%	NOUN
cjfa-37574	70	7	people	people	NOUN
cjfa-37574	70	8	of	of	ADP
cjfa-37574	70	9	south	south	PROPN
cjfa-37574	70	10	asia	asia	PROPN
cjfa-37574	70	11	had	have	VERB
cjfa-37574	70	12	an	an	DET
cjfa-37574	70	13	account	account	NOUN
cjfa-37574	70	14	that	that	PRON
cjfa-37574	70	15	provided	provide	VERB
cjfa-37574	70	16	financial	financial	ADJ
cjfa-37574	70	17	services	service	NOUN
cjfa-37574	70	18	in	in	ADP
cjfa-37574	70	19	2018	2018	NUM
cjfa-37574	70	20	(	(	PUNCT
cjfa-37574	70	21	world	world	PROPN
cjfa-37574	70	22	bank	bank	PROPN
cjfa-37574	70	23	,	,	PUNCT
cjfa-37574	70	24	2018	2018	NUM
cjfa-37574	70	25	)	)	PUNCT
cjfa-37574	70	26	.	.	PUNCT
cjfa-37574	71	1	hence	hence	ADV
cjfa-37574	71	2	,	,	PUNCT
cjfa-37574	71	3	it	it	PRON
cjfa-37574	71	4	can	can	AUX
cjfa-37574	71	5	be	be	AUX
cjfa-37574	71	6	said	say	VERB
cjfa-37574	71	7	that	that	SCONJ
cjfa-37574	71	8	there	there	PRON
cjfa-37574	71	9	is	be	VERB
cjfa-37574	71	10	a	a	DET
cjfa-37574	71	11	huge	huge	ADJ
cjfa-37574	71	12	potential	potential	NOUN
cjfa-37574	71	13	to	to	PART
cjfa-37574	71	14	advance	advance	VERB
cjfa-37574	71	15	financial	financial	ADJ
cjfa-37574	71	16	inclusion	inclusion	NOUN
cjfa-37574	71	17	through	through	ADP
cjfa-37574	71	18	mobile	mobile	ADJ
cjfa-37574	71	19	banking	banking	NOUN
cjfa-37574	71	20	in	in	ADP
cjfa-37574	71	21	bangladesh	bangladesh	NOUN
cjfa-37574	71	22	.	.	PUNCT
cjfa-37574	72	1	as	as	SCONJ
cjfa-37574	72	2	mentioned	mention	VERB
cjfa-37574	72	3	earlier	early	ADV
cjfa-37574	72	4	,	,	PUNCT
cjfa-37574	72	5	policy	policy	NOUN
cjfa-37574	72	6	makers	maker	NOUN
cjfa-37574	72	7	of	of	ADP
cjfa-37574	72	8	bangladesh	bangladesh	NOUN
cjfa-37574	72	9	are	be	AUX
cjfa-37574	72	10	emphasizing	emphasize	VERB
cjfa-37574	72	11	on	on	ADP
cjfa-37574	72	12	creating	create	VERB
cjfa-37574	72	13	more	more	ADJ
cjfa-37574	72	14	access	access	NOUN
cjfa-37574	72	15	points	point	NOUN
cjfa-37574	72	16	to	to	PART
cjfa-37574	72	17	integrate	integrate	VERB
cjfa-37574	72	18	more	more	ADJ
cjfa-37574	72	19	people	people	NOUN
cjfa-37574	72	20	in	in	ADP
cjfa-37574	72	21	a	a	DET
cjfa-37574	72	22	formal	formal	ADJ
cjfa-37574	72	23	financial	financial	ADJ
cjfa-37574	72	24	system	system	NOUN
cjfa-37574	72	25	.	.	PUNCT
cjfa-37574	73	1	however	however	ADV
cjfa-37574	73	2	,	,	PUNCT
cjfa-37574	73	3	a	a	DET
cjfa-37574	73	4	review	review	NOUN
cjfa-37574	73	5	by	by	ADP
cjfa-37574	73	6	duncombe	duncombe	NOUN
cjfa-37574	73	7	and	and	CCONJ
cjfa-37574	73	8	boateng	boateng	PROPN
cjfa-37574	73	9	(	(	PUNCT
cjfa-37574	73	10	2009	2009	NUM
cjfa-37574	73	11	)	)	PUNCT
cjfa-37574	73	12	asked	ask	VERB
cjfa-37574	73	13	for	for	ADP
cjfa-37574	73	14	additional	additional	ADJ
cjfa-37574	73	15	empirical	empirical	ADJ
cjfa-37574	73	16	investigation	investigation	NOUN
cjfa-37574	73	17	to	to	PART
cjfa-37574	73	18	verify	verify	VERB
cjfa-37574	73	19	such	such	ADJ
cjfa-37574	73	20	causal	causal	NOUN
cjfa-37574	73	21	link	link	NOUN
cjfa-37574	73	22	.	.	PUNCT
cjfa-37574	74	1	furthermore	furthermore	ADV
cjfa-37574	74	2	,	,	PUNCT
cjfa-37574	74	3	a	a	DET
cjfa-37574	74	4	study	study	NOUN
cjfa-37574	74	5	conducted	conduct	VERB
cjfa-37574	74	6	in	in	ADP
cjfa-37574	74	7	bangladesh	bangladesh	NOUN
cjfa-37574	74	8	by	by	ADP
cjfa-37574	74	9	siddik	siddik	PROPN
cjfa-37574	74	10	,	,	PUNCT
cjfa-37574	74	11	sun	sun	NOUN
cjfa-37574	74	12	,	,	PUNCT
cjfa-37574	74	13	yanjuan	yanjuan	PROPN
cjfa-37574	74	14	and	and	CCONJ
cjfa-37574	74	15	kabiraj	kabiraj	PROPN
cjfa-37574	74	16	(	(	PUNCT
cjfa-37574	74	17	2014	2014	NUM
cjfa-37574	74	18	)	)	PUNCT
cjfa-37574	74	19	pointed	point	VERB
cjfa-37574	74	20	out	out	ADP
cjfa-37574	74	21	that	that	SCONJ
cjfa-37574	74	22	mfs	mfs	NOUN
cjfa-37574	74	23	providers	provider	NOUN
cjfa-37574	74	24	should	should	AUX
cjfa-37574	74	25	be	be	AUX
cjfa-37574	74	26	more	more	ADV
cjfa-37574	74	27	concerned	concerned	ADJ
cjfa-37574	74	28	about	about	ADP
cjfa-37574	74	29	the	the	DET
cjfa-37574	74	30	factors	factor	NOUN
cjfa-37574	74	31	that	that	PRON
cjfa-37574	74	32	affect	affect	VERB
cjfa-37574	74	33	behavioral	behavioral	ADJ
cjfa-37574	74	34	intention	intention	NOUN
cjfa-37574	74	35	of	of	ADP
cjfa-37574	74	36	people	people	NOUN
cjfa-37574	74	37	in	in	ADP
cjfa-37574	74	38	availing	avail	VERB
cjfa-37574	74	39	and	and	CCONJ
cjfa-37574	74	40	continuously	continuously	ADV
cjfa-37574	74	41	using	use	VERB
cjfa-37574	74	42	such	such	ADJ
cjfa-37574	74	43	services	service	NOUN
cjfa-37574	74	44	.	.	PUNCT
cjfa-37574	75	1	in	in	ADP
cjfa-37574	75	2	order	order	NOUN
cjfa-37574	75	3	to	to	PART
cjfa-37574	75	4	get	get	VERB
cjfa-37574	75	5	more	more	ADJ
cjfa-37574	75	6	people	people	NOUN
cjfa-37574	75	7	under	under	ADP
cjfa-37574	75	8	a	a	DET
cjfa-37574	75	9	formal	formal	ADJ
cjfa-37574	75	10	financial	financial	ADJ
cjfa-37574	75	11	system	system	NOUN
cjfa-37574	75	12	,	,	PUNCT
cjfa-37574	75	13	the	the	DET
cjfa-37574	75	14	suggested	suggest	VERB
cjfa-37574	75	15	policy	policy	NOUN
cjfa-37574	75	16	according	accord	VERB
cjfa-37574	75	17	to	to	ADP
cjfa-37574	75	18	the	the	DET
cjfa-37574	75	19	study	study	NOUN
cjfa-37574	75	20	was	be	AUX
cjfa-37574	75	21	to	to	PART
cjfa-37574	75	22	enhance	enhance	VERB
cjfa-37574	75	23	customer	customer	NOUN
cjfa-37574	75	24	satisfaction	satisfaction	NOUN
cjfa-37574	75	25	through	through	ADP
cjfa-37574	75	26	improving	improve	VERB
cjfa-37574	75	27	and	and	CCONJ
cjfa-37574	75	28	delivering	deliver	VERB
cjfa-37574	75	29	financial	financial	ADJ
cjfa-37574	75	30	services	service	NOUN
cjfa-37574	75	31	via	via	ADP
cjfa-37574	75	32	mobile	mobile	ADJ
cjfa-37574	75	33	devices	device	NOUN
cjfa-37574	75	34	.	.	PUNCT
cjfa-37574	76	1	these	these	DET
cjfa-37574	76	2	studies	study	NOUN
cjfa-37574	76	3	lay	lie	VERB
cjfa-37574	76	4	the	the	DET
cjfa-37574	76	5	foundation	foundation	NOUN
cjfa-37574	76	6	of	of	ADP
cjfa-37574	76	7	the	the	DET
cjfa-37574	76	8	main	main	ADJ
cjfa-37574	76	9	objective	objective	NOUN
cjfa-37574	76	10	of	of	ADP
cjfa-37574	76	11	the	the	DET
cjfa-37574	76	12	study	study	NOUN
cjfa-37574	76	13	–	–	PUNCT
cjfa-37574	76	14	to	to	PART
cjfa-37574	76	15	check	check	VERB
cjfa-37574	76	16	if	if	SCONJ
cjfa-37574	76	17	increasing	increase	VERB
cjfa-37574	76	18	the	the	DET
cjfa-37574	76	19	number	number	NOUN
cjfa-37574	76	20	of	of	ADP
cjfa-37574	76	21	mfs	mfs	NOUN
cjfa-37574	76	22	agents	agent	NOUN
cjfa-37574	76	23	’	'	PUNCT
cjfa-37574	76	24	results	result	NOUN
cjfa-37574	76	25	in	in	ADP
cjfa-37574	76	26	increased	increase	VERB
cjfa-37574	76	27	number	number	NOUN
cjfa-37574	76	28	of	of	ADP
cjfa-37574	76	29	mfs	mfs	NOUN
cjfa-37574	76	30	users	user	NOUN
cjfa-37574	76	31	.	.	PUNCT
cjfa-37574	77	1	methodology	methodology	PROPN
cjfa-37574	77	2	the	the	DET
cjfa-37574	77	3	first	first	ADJ
cjfa-37574	77	4	task	task	NOUN
cjfa-37574	77	5	was	be	AUX
cjfa-37574	77	6	to	to	PART
cjfa-37574	77	7	examine	examine	VERB
cjfa-37574	77	8	the	the	DET
cjfa-37574	77	9	trends	trend	NOUN
cjfa-37574	77	10	of	of	ADP
cjfa-37574	77	11	the	the	DET
cjfa-37574	77	12	two	two	NUM
cjfa-37574	77	13	time	time	NOUN
cjfa-37574	77	14	series	series	PROPN
cjfa-37574	77	15	variables	variable	NOUN
cjfa-37574	77	16	pertinent	pertinent	VERB
cjfa-37574	77	17	to	to	PART
cjfa-37574	77	18	mfs	mfs	VERB
cjfa-37574	77	19	usage	usage	NOUN
cjfa-37574	77	20	and	and	CCONJ
cjfa-37574	77	21	financial	financial	ADJ
cjfa-37574	77	22	inclusion	inclusion	NOUN
cjfa-37574	77	23	,	,	PUNCT
cjfa-37574	77	24	by	by	ADP
cjfa-37574	77	25	using	use	VERB
cjfa-37574	77	26	monthly	monthly	ADJ
cjfa-37574	77	27	data	datum	NOUN
cjfa-37574	77	28	from	from	ADP
cjfa-37574	77	29	january	january	PROPN
cjfa-37574	77	30	,	,	PUNCT
cjfa-37574	77	31	2017	2017	NUM
cjfa-37574	77	32	to	to	ADP
cjfa-37574	77	33	december	december	PROPN
cjfa-37574	77	34	,	,	PUNCT
cjfa-37574	77	35	2020	2020	NUM
cjfa-37574	77	36	,	,	PUNCT
cjfa-37574	77	37	obtained	obtain	VERB
cjfa-37574	77	38	from	from	ADP
cjfa-37574	77	39	bangladesh	bangladesh	PROPN
cjfa-37574	77	40	bank	bank	PROPN
cjfa-37574	77	41	mfs	mfs	NOUN
cjfa-37574	77	42	dataset	dataset	NOUN
cjfa-37574	77	43	(	(	PUNCT
cjfa-37574	77	44	bangladesh	bangladesh	PROPN
cjfa-37574	77	45	bank	bank	NOUN
cjfa-37574	77	46	,	,	PUNCT
cjfa-37574	77	47	2021	2021	NUM
cjfa-37574	77	48	)	)	PUNCT
cjfa-37574	77	49	.	.	PUNCT
cjfa-37574	78	1	these	these	DET
cjfa-37574	78	2	datasets	dataset	NOUN
cjfa-37574	78	3	had	have	VERB
cjfa-37574	78	4	time	time	NOUN
cjfa-37574	78	5	series	series	PROPN
cjfa-37574	78	6	data	datum	NOUN
cjfa-37574	78	7	on	on	ADP
cjfa-37574	78	8	variables	variable	NOUN
cjfa-37574	78	9	such	such	ADJ
cjfa-37574	78	10	as	as	ADP
cjfa-37574	78	11	–	–	PUNCT
cjfa-37574	78	12	number	number	NOUN
cjfa-37574	78	13	of	of	ADP
cjfa-37574	78	14	mfs	mfs	NOUN
cjfa-37574	78	15	agents	agent	NOUN
cjfa-37574	78	16	,	,	PUNCT
cjfa-37574	78	17	number	number	NOUN
cjfa-37574	78	18	of	of	ADP
cjfa-37574	78	19	registered	register	VERB
cjfa-37574	78	20	and	and	CCONJ
cjfa-37574	78	21	number	number	NOUN
cjfa-37574	78	22	of	of	ADP
cjfa-37574	78	23	active	active	ADJ
cjfa-37574	78	24	mfs	mfs	NOUN
cjfa-37574	78	25	users	user	NOUN
cjfa-37574	78	26	,	,	PUNCT
cjfa-37574	78	27	total	total	ADJ
cjfa-37574	78	28	number	number	NOUN
cjfa-37574	78	29	of	of	ADP
cjfa-37574	78	30	transactions	transaction	NOUN
cjfa-37574	78	31	,	,	PUNCT
cjfa-37574	78	32	the	the	DET
cjfa-37574	78	33	volume	volume	NOUN
cjfa-37574	78	34	of	of	ADP
cjfa-37574	78	35	average	average	ADJ
cjfa-37574	78	36	daily	daily	ADJ
cjfa-37574	78	37	transactions	transaction	NOUN
cjfa-37574	78	38	,	,	PUNCT
cjfa-37574	78	39	and	and	CCONJ
cjfa-37574	78	40	product	product	NOUN
cjfa-37574	78	41	wise	wise	ADJ
cjfa-37574	78	42	information	information	NOUN
cjfa-37574	78	43	of	of	ADP
cjfa-37574	78	44	mfs	mfs	NOUN
cjfa-37574	78	45	transactions	transaction	NOUN
cjfa-37574	78	46	.	.	PUNCT
cjfa-37574	79	1	to	to	PART
cjfa-37574	79	2	address	address	VERB
cjfa-37574	79	3	the	the	DET
cjfa-37574	79	4	objective	objective	NOUN
cjfa-37574	79	5	of	of	ADP
cjfa-37574	79	6	this	this	DET
cjfa-37574	79	7	study	study	NOUN
cjfa-37574	79	8	,	,	PUNCT
cjfa-37574	79	9	only	only	ADV
cjfa-37574	79	10	two	two	NUM
cjfa-37574	79	11	of	of	ADP
cjfa-37574	79	12	the	the	DET
cjfa-37574	79	13	time	time	NOUN
cjfa-37574	79	14	series	series	PROPN
cjfa-37574	79	15	variables	variable	VERB
cjfa-37574	79	16	with	with	ADP
cjfa-37574	79	17	48	48	NUM
cjfa-37574	79	18	observations	observation	NOUN
cjfa-37574	79	19	were	be	AUX
cjfa-37574	79	20	selected	select	VERB
cjfa-37574	79	21	,	,	PUNCT
cjfa-37574	79	22	the	the	DET
cjfa-37574	79	23	first	first	ADJ
cjfa-37574	79	24	one	one	NUM
cjfa-37574	79	25	being	be	AUX
cjfa-37574	79	26	the	the	DET
cjfa-37574	79	27	total	total	ADJ
cjfa-37574	79	28	number	number	NOUN
cjfa-37574	79	29	of	of	ADP
cjfa-37574	79	30	mfs	mfs	NOUN
cjfa-37574	79	31	agents	agent	NOUN
cjfa-37574	79	32	and	and	CCONJ
cjfa-37574	79	33	the	the	DET
cjfa-37574	79	34	second	second	ADJ
cjfa-37574	79	35	one	one	NUM
cjfa-37574	79	36	being	be	AUX
cjfa-37574	79	37	the	the	DET
cjfa-37574	79	38	total	total	ADJ
cjfa-37574	79	39	number	number	NOUN
cjfa-37574	79	40	of	of	ADP
cjfa-37574	79	41	registered	register	VERB
cjfa-37574	79	42	mfs	mfs	NOUN
cjfa-37574	79	43	users	user	NOUN
cjfa-37574	79	44	.	.	PUNCT
cjfa-37574	80	1	mohammad	mohammad	PROPN
cjfa-37574	80	2	ali	ali	PROPN
cjfa-37574	80	3	ashraf14	ashraf14	PROPN
cjfa-37574	80	4	next	next	ADV
cjfa-37574	80	5	,	,	PUNCT
cjfa-37574	80	6	it	it	PRON
cjfa-37574	80	7	was	be	AUX
cjfa-37574	80	8	checked	check	VERB
cjfa-37574	80	9	whether	whether	SCONJ
cjfa-37574	80	10	there	there	PRON
cjfa-37574	80	11	was	be	VERB
cjfa-37574	80	12	any	any	DET
cjfa-37574	80	13	statistically	statistically	ADV
cjfa-37574	80	14	significant	significant	ADJ
cjfa-37574	80	15	relation	relation	NOUN
cjfa-37574	80	16	between	between	ADP
cjfa-37574	80	17	the	the	DET
cjfa-37574	80	18	time	time	NOUN
cjfa-37574	80	19	series	series	PROPN
cjfa-37574	80	20	variables	variable	NOUN
cjfa-37574	80	21	–	–	PUNCT
cjfa-37574	80	22	total	total	ADJ
cjfa-37574	80	23	number	number	NOUN
cjfa-37574	80	24	of	of	ADP
cjfa-37574	80	25	mfs	mfs	NOUN
cjfa-37574	80	26	agents	agent	NOUN
cjfa-37574	80	27	and	and	CCONJ
cjfa-37574	80	28	total	total	ADJ
cjfa-37574	80	29	number	number	NOUN
cjfa-37574	80	30	of	of	ADP
cjfa-37574	80	31	registered	register	VERB
cjfa-37574	80	32	mfs	mfs	NOUN
cjfa-37574	80	33	users	user	NOUN
cjfa-37574	80	34	.	.	PUNCT
cjfa-37574	81	1	multiple	multiple	ADJ
cjfa-37574	81	2	statistical	statistical	ADJ
cjfa-37574	81	3	methods	method	NOUN
cjfa-37574	81	4	including	include	VERB
cjfa-37574	81	5	vector	vector	NOUN
cjfa-37574	81	6	auto	auto	NOUN
cjfa-37574	81	7	regression	regression	NOUN
cjfa-37574	81	8	,	,	PUNCT
cjfa-37574	81	9	cointegration	cointegration	NOUN
cjfa-37574	81	10	and	and	CCONJ
cjfa-37574	81	11	granger	granger	NOUN
cjfa-37574	81	12	causality	causality	NOUN
cjfa-37574	81	13	for	for	ADP
cjfa-37574	81	14	analyzing	analyze	VERB
cjfa-37574	81	15	relationship	relationship	NOUN
cjfa-37574	81	16	of	of	ADP
cjfa-37574	81	17	time	time	NOUN
cjfa-37574	81	18	series	series	PROPN
cjfa-37574	81	19	data	datum	NOUN
cjfa-37574	81	20	were	be	AUX
cjfa-37574	81	21	used	use	VERB
cjfa-37574	81	22	in	in	ADP
cjfa-37574	81	23	the	the	DET
cjfa-37574	81	24	process	process	NOUN
cjfa-37574	81	25	.	.	PUNCT
cjfa-37574	82	1	the	the	DET
cjfa-37574	82	2	statistical	statistical	ADJ
cjfa-37574	82	3	application	application	NOUN
cjfa-37574	82	4	eviews	eview	NOUN
cjfa-37574	82	5	was	be	AUX
cjfa-37574	82	6	used	use	VERB
cjfa-37574	82	7	for	for	ADP
cjfa-37574	82	8	conducting	conduct	VERB
cjfa-37574	82	9	all	all	DET
cjfa-37574	82	10	the	the	DET
cjfa-37574	82	11	analyses	analysis	NOUN
cjfa-37574	82	12	.	.	PUNCT
cjfa-37574	83	1	stationarity	stationarity	NOUN
cjfa-37574	83	2	at	at	ADP
cjfa-37574	83	3	the	the	DET
cjfa-37574	83	4	beginning	beginning	NOUN
cjfa-37574	83	5	of	of	ADP
cjfa-37574	83	6	the	the	DET
cjfa-37574	83	7	analysis	analysis	NOUN
cjfa-37574	83	8	,	,	PUNCT
cjfa-37574	83	9	data	datum	NOUN
cjfa-37574	83	10	was	be	AUX
cjfa-37574	83	11	checked	check	VERB
cjfa-37574	83	12	for	for	ADP
cjfa-37574	83	13	stationarity	stationarity	NOUN
cjfa-37574	83	14	through	through	ADP
cjfa-37574	83	15	visual	visual	ADJ
cjfa-37574	83	16	inspection	inspection	NOUN
cjfa-37574	83	17	and	and	CCONJ
cjfa-37574	83	18	the	the	DET
cjfa-37574	83	19	augmented	augment	VERB
cjfa-37574	83	20	dickey	dickey	PROPN
cjfa-37574	83	21	–	–	PUNCT
cjfa-37574	83	22	fuller	full	ADJ
cjfa-37574	83	23	(	(	PUNCT
cjfa-37574	83	24	adf	adf	NOUN
cjfa-37574	83	25	)	)	PUNCT
cjfa-37574	83	26	test	test	NOUN
cjfa-37574	83	27	.	.	PUNCT
cjfa-37574	84	1	adf	adf	NOUN
cjfa-37574	84	2	test	test	NOUN
cjfa-37574	84	3	is	be	AUX
cjfa-37574	84	4	widely	widely	ADV
cjfa-37574	84	5	used	use	VERB
cjfa-37574	84	6	to	to	PART
cjfa-37574	84	7	check	check	VERB
cjfa-37574	84	8	for	for	ADP
cjfa-37574	84	9	unit	unit	NOUN
cjfa-37574	84	10	roots	root	NOUN
cjfa-37574	84	11	in	in	ADP
cjfa-37574	84	12	time	time	NOUN
cjfa-37574	84	13	series	series	PROPN
cjfa-37574	84	14	variables	variable	VERB
cjfa-37574	84	15	.	.	PUNCT
cjfa-37574	85	1	a	a	DET
cjfa-37574	85	2	preliminary	preliminary	ADJ
cjfa-37574	85	3	visual	visual	ADJ
cjfa-37574	85	4	inspection	inspection	NOUN
cjfa-37574	85	5	revealed	reveal	VERB
cjfa-37574	85	6	increasing	increase	VERB
cjfa-37574	85	7	trends	trend	NOUN
cjfa-37574	85	8	for	for	ADP
cjfa-37574	85	9	both	both	DET
cjfa-37574	85	10	variables	variable	NOUN
cjfa-37574	85	11	.	.	PUNCT
cjfa-37574	86	1	then	then	ADV
cjfa-37574	86	2	,	,	PUNCT
cjfa-37574	86	3	the	the	DET
cjfa-37574	86	4	adf	adf	PROPN
cjfa-37574	86	5	test	test	NOUN
cjfa-37574	86	6	checked	check	VERB
cjfa-37574	86	7	for	for	ADP
cjfa-37574	86	8	unit	unit	NOUN
cjfa-37574	86	9	root	root	NOUN
cjfa-37574	86	10	in	in	ADP
cjfa-37574	86	11	the	the	DET
cjfa-37574	86	12	time	time	NOUN
cjfa-37574	86	13	series	series	NOUN
cjfa-37574	86	14	,	,	PUNCT
cjfa-37574	86	15	which	which	PRON
cjfa-37574	86	16	was	be	AUX
cjfa-37574	86	17	conducted	conduct	VERB
cjfa-37574	86	18	at	at	ADP
cjfa-37574	86	19	90	90	NUM
cjfa-37574	86	20	,	,	PUNCT
cjfa-37574	86	21	95	95	NUM
cjfa-37574	86	22	and	and	CCONJ
cjfa-37574	86	23	99	99	NUM
cjfa-37574	86	24	percent	percent	NOUN
cjfa-37574	86	25	confidence	confidence	NOUN
cjfa-37574	86	26	level	level	NOUN
cjfa-37574	86	27	on	on	ADP
cjfa-37574	86	28	both	both	DET
cjfa-37574	86	29	time	time	NOUN
cjfa-37574	86	30	series	series	NOUN
cjfa-37574	86	31	variables	variable	NOUN
cjfa-37574	86	32	at	at	ADP
cjfa-37574	86	33	level	level	NOUN
cjfa-37574	86	34	and	and	CCONJ
cjfa-37574	86	35	at	at	ADP
cjfa-37574	86	36	first	first	ADJ
cjfa-37574	86	37	difference	difference	NOUN
cjfa-37574	86	38	.	.	PUNCT
cjfa-37574	87	1	lag	lag	VERB
cjfa-37574	87	2	length	length	NOUN
cjfa-37574	87	3	for	for	SCONJ
cjfa-37574	87	4	the	the	DET
cjfa-37574	87	5	test	test	NOUN
cjfa-37574	87	6	was	be	AUX
cjfa-37574	87	7	automatically	automatically	ADV
cjfa-37574	87	8	selected	select	VERB
cjfa-37574	87	9	based	base	VERB
cjfa-37574	87	10	on	on	ADP
cjfa-37574	87	11	schwarz	schwarz	PROPN
cjfa-37574	87	12	information	information	NOUN
cjfa-37574	87	13	criterion	criterion	NOUN
cjfa-37574	87	14	(	(	PUNCT
cjfa-37574	87	15	sic	sic	ADJ
cjfa-37574	87	16	)	)	PUNCT
cjfa-37574	87	17	.	.	PUNCT
cjfa-37574	88	1	it	it	PRON
cjfa-37574	88	2	is	be	AUX
cjfa-37574	88	3	imperative	imperative	ADJ
cjfa-37574	88	4	to	to	PART
cjfa-37574	88	5	note	note	VERB
cjfa-37574	88	6	that	that	SCONJ
cjfa-37574	88	7	both	both	DET
cjfa-37574	88	8	time	time	NOUN
cjfa-37574	88	9	series	series	PROPN
cjfa-37574	88	10	had	have	VERB
cjfa-37574	88	11	unit	unit	NOUN
cjfa-37574	88	12	roots	root	NOUN
cjfa-37574	88	13	and	and	CCONJ
cjfa-37574	88	14	were	be	AUX
cjfa-37574	88	15	non	non	ADJ
cjfa-37574	88	16	-	-	ADJ
cjfa-37574	88	17	stationary	stationary	ADJ
cjfa-37574	88	18	with	with	ADP
cjfa-37574	88	19	constant	constant	ADJ
cjfa-37574	88	20	,	,	PUNCT
cjfa-37574	88	21	with	with	ADP
cjfa-37574	88	22	constant	constant	ADJ
cjfa-37574	88	23	and	and	CCONJ
cjfa-37574	88	24	trend	trend	NOUN
cjfa-37574	88	25	,	,	PUNCT
cjfa-37574	88	26	and	and	CCONJ
cjfa-37574	88	27	without	without	ADP
cjfa-37574	88	28	constant	constant	ADJ
cjfa-37574	88	29	&	&	CCONJ
cjfa-37574	88	30	trend	trend	NOUN
cjfa-37574	88	31	,	,	PUNCT
cjfa-37574	88	32	and	and	CCONJ
cjfa-37574	88	33	they	they	PRON
cjfa-37574	88	34	became	become	VERB
cjfa-37574	88	35	stationary	stationary	ADJ
cjfa-37574	88	36	at	at	ADP
cjfa-37574	88	37	first	first	ADJ
cjfa-37574	88	38	difference	difference	NOUN
cjfa-37574	88	39	according	accord	VERB
cjfa-37574	88	40	to	to	ADP
cjfa-37574	88	41	the	the	DET
cjfa-37574	88	42	adf	adf	PROPN
cjfa-37574	88	43	test	test	NOUN
cjfa-37574	88	44	(	(	PUNCT
cjfa-37574	88	45	table	table	NOUN
cjfa-37574	88	46	1	1	NUM
cjfa-37574	88	47	)	)	PUNCT
cjfa-37574	88	48	.	.	PUNCT
cjfa-37574	89	1	in	in	ADP
cjfa-37574	89	2	other	other	ADJ
cjfa-37574	89	3	words	word	NOUN
cjfa-37574	89	4	,	,	PUNCT
cjfa-37574	89	5	the	the	DET
cjfa-37574	89	6	variables	variable	NOUN
cjfa-37574	89	7	were	be	AUX
cjfa-37574	89	8	non	non	ADJ
cjfa-37574	89	9	-	-	ADJ
cjfa-37574	89	10	stationary	stationary	ADJ
cjfa-37574	89	11	at	at	ADP
cjfa-37574	89	12	level	level	NOUN
cjfa-37574	89	13	and	and	CCONJ
cjfa-37574	89	14	integrated	integrate	VERB
cjfa-37574	89	15	of	of	ADP
cjfa-37574	89	16	same	same	ADJ
cjfa-37574	89	17	order	order	NOUN
cjfa-37574	89	18	i(1	i(1	NOUN
cjfa-37574	89	19	)	)	PUNCT
cjfa-37574	89	20	.	.	PUNCT
cjfa-37574	90	1	cointegration	cointegration	NOUN
cjfa-37574	90	2	cointegrating	cointegrate	VERB
cjfa-37574	90	3	variables	variable	NOUN
cjfa-37574	90	4	are	be	AUX
cjfa-37574	90	5	said	say	VERB
cjfa-37574	90	6	to	to	PART
cjfa-37574	90	7	have	have	VERB
cjfa-37574	90	8	long	long	ADV
cjfa-37574	90	9	run	run	VERB
cjfa-37574	90	10	equilibrium	equilibrium	NOUN
cjfa-37574	90	11	relationship	relationship	NOUN
cjfa-37574	90	12	,	,	PUNCT
cjfa-37574	90	13	meaning	mean	VERB
cjfa-37574	90	14	they	they	PRON
cjfa-37574	90	15	will	will	AUX
cjfa-37574	90	16	not	not	PART
cjfa-37574	90	17	drift	drift	VERB
cjfa-37574	90	18	apart	apart	ADV
cjfa-37574	90	19	if	if	SCONJ
cjfa-37574	90	20	there	there	PRON
cjfa-37574	90	21	is	be	VERB
cjfa-37574	90	22	disturbance	disturbance	NOUN
cjfa-37574	90	23	.	.	PUNCT
cjfa-37574	91	1	in	in	ADP
cjfa-37574	91	2	empirical	empirical	ADJ
cjfa-37574	91	3	literature	literature	NOUN
cjfa-37574	91	4	,	,	PUNCT
cjfa-37574	91	5	cointegration	cointegration	NOUN
cjfa-37574	91	6	between	between	ADP
cjfa-37574	91	7	variables	variable	NOUN
cjfa-37574	91	8	is	be	AUX
cjfa-37574	91	9	frequently	frequently	ADV
cjfa-37574	91	10	checked	check	VERB
cjfa-37574	91	11	by	by	ADP
cjfa-37574	91	12	using	use	VERB
cjfa-37574	91	13	the	the	DET
cjfa-37574	91	14	johansen	johansen	PROPN
cjfa-37574	91	15	cointegration	cointegration	NOUN
cjfa-37574	91	16	test	test	NOUN
cjfa-37574	91	17	.	.	PUNCT
cjfa-37574	92	1	hence	hence	ADV
cjfa-37574	92	2	,	,	PUNCT
cjfa-37574	92	3	cointegration	cointegration	NOUN
cjfa-37574	92	4	between	between	ADP
cjfa-37574	92	5	the	the	DET
cjfa-37574	92	6	variables	variable	NOUN
cjfa-37574	92	7	under	under	ADP
cjfa-37574	92	8	study	study	NOUN
cjfa-37574	92	9	was	be	AUX
cjfa-37574	92	10	checked	check	VERB
cjfa-37574	92	11	by	by	ADP
cjfa-37574	92	12	using	use	VERB
cjfa-37574	92	13	johansen	johansen	PROPN
cjfa-37574	92	14	cointegration	cointegration	PROPN
cjfa-37574	92	15	test	test	NOUN
cjfa-37574	92	16	(	(	PUNCT
cjfa-37574	92	17	johansen	johansen	PROPN
cjfa-37574	92	18	,	,	PUNCT
cjfa-37574	92	19	1988	1988	NUM
cjfa-37574	92	20	)	)	PUNCT
cjfa-37574	92	21	.	.	PUNCT
cjfa-37574	93	1	before	before	ADP
cjfa-37574	93	2	checking	check	VERB
cjfa-37574	93	3	for	for	ADP
cjfa-37574	93	4	cointegration	cointegration	NOUN
cjfa-37574	93	5	,	,	PUNCT
cjfa-37574	93	6	an	an	DET
cjfa-37574	93	7	initial	initial	ADJ
cjfa-37574	93	8	vector	vector	NOUN
cjfa-37574	93	9	autoregressive	autoregressive	ADJ
cjfa-37574	93	10	(	(	PUNCT
cjfa-37574	93	11	var	var	NOUN
cjfa-37574	93	12	)	)	PUNCT
cjfa-37574	93	13	model	model	NOUN
cjfa-37574	93	14	was	be	AUX
cjfa-37574	93	15	estimated	estimate	VERB
cjfa-37574	93	16	with	with	ADP
cjfa-37574	93	17	both	both	DET
cjfa-37574	93	18	time	time	NOUN
cjfa-37574	93	19	series	series	NOUN
cjfa-37574	93	20	at	at	ADP
cjfa-37574	93	21	level	level	NOUN
cjfa-37574	93	22	.	.	PUNCT
cjfa-37574	94	1	it	it	PRON
cjfa-37574	94	2	may	may	AUX
cjfa-37574	94	3	be	be	AUX
cjfa-37574	94	4	mentioned	mention	VERB
cjfa-37574	94	5	here	here	ADV
cjfa-37574	94	6	that	that	DET
cjfa-37574	94	7	var	var	NOUN
cjfa-37574	94	8	is	be	AUX
cjfa-37574	94	9	a	a	DET
cjfa-37574	94	10	statistical	statistical	ADJ
cjfa-37574	94	11	model	model	NOUN
cjfa-37574	94	12	to	to	PART
cjfa-37574	94	13	analyze	analyze	VERB
cjfa-37574	94	14	relationship	relationship	NOUN
cjfa-37574	94	15	between	between	ADP
cjfa-37574	94	16	time	time	NOUN
cjfa-37574	94	17	series	series	PROPN
cjfa-37574	94	18	variables	variable	NOUN
cjfa-37574	94	19	.	.	PUNCT
cjfa-37574	95	1	after	after	ADP
cjfa-37574	95	2	estimating	estimate	VERB
cjfa-37574	95	3	the	the	DET
cjfa-37574	95	4	initial	initial	ADJ
cjfa-37574	95	5	var	var	NOUN
cjfa-37574	95	6	,	,	PUNCT
cjfa-37574	95	7	tests	test	NOUN
cjfa-37574	95	8	were	be	AUX
cjfa-37574	95	9	conducted	conduct	VERB
cjfa-37574	95	10	to	to	PART
cjfa-37574	95	11	select	select	VERB
cjfa-37574	95	12	an	an	DET
cjfa-37574	95	13	appropriate	appropriate	ADJ
cjfa-37574	95	14	lag	lag	NOUN
cjfa-37574	95	15	length	length	NOUN
cjfa-37574	95	16	for	for	ADP
cjfa-37574	95	17	checking	check	VERB
cjfa-37574	95	18	cointegration	cointegration	NOUN
cjfa-37574	95	19	.	.	PUNCT
cjfa-37574	96	1	johansen	johansen	PROPN
cjfa-37574	96	2	cointegration	cointegration	PROPN
cjfa-37574	96	3	test	test	NOUN
cjfa-37574	96	4	was	be	AUX
cjfa-37574	96	5	then	then	ADV
cjfa-37574	96	6	conducted	conduct	VERB
cjfa-37574	96	7	based	base	VERB
cjfa-37574	96	8	on	on	ADP
cjfa-37574	96	9	five	five	NUM
cjfa-37574	96	10	different	different	ADJ
cjfa-37574	96	11	sets	set	NOUN
cjfa-37574	96	12	of	of	ADP
cjfa-37574	96	13	assumptions	assumption	NOUN
cjfa-37574	96	14	for	for	ADP
cjfa-37574	96	15	allowing	allow	VERB
cjfa-37574	96	16	“	"	PUNCT
cjfa-37574	96	17	no	no	DET
cjfa-37574	96	18	deterministic	deterministic	ADJ
cjfa-37574	96	19	trend	trend	NOUN
cjfa-37574	96	20	”	"	PUNCT
cjfa-37574	96	21	,	,	PUNCT
cjfa-37574	96	22	“	"	PUNCT
cjfa-37574	96	23	linear	linear	ADJ
cjfa-37574	96	24	deterministic	deterministic	VERB
cjfa-37574	96	25	the	the	DET
cjfa-37574	96	26	impact	impact	NOUN
cjfa-37574	96	27	of	of	ADP
cjfa-37574	96	28	mobile	mobile	ADJ
cjfa-37574	96	29	financial	financial	ADJ
cjfa-37574	96	30	services	service	NOUN
cjfa-37574	96	31	…	…	PUNCT
cjfa-37574	96	32	15	15	NUM
cjfa-37574	96	33	trend	trend	NOUN
cjfa-37574	96	34	”	"	PUNCT
cjfa-37574	96	35	and	and	CCONJ
cjfa-37574	96	36	“	"	PUNCT
cjfa-37574	96	37	quadratic	quadratic	ADJ
cjfa-37574	96	38	deterministic	deterministic	ADJ
cjfa-37574	96	39	trend	trend	NOUN
cjfa-37574	96	40	”	"	PUNCT
cjfa-37574	96	41	in	in	ADP
cjfa-37574	96	42	the	the	DET
cjfa-37574	96	43	cointegrating	cointegrate	VERB
cjfa-37574	96	44	equation	equation	NOUN
cjfa-37574	96	45	.	.	PUNCT
cjfa-37574	97	1	the	the	DET
cjfa-37574	97	2	test	test	NOUN
cjfa-37574	97	3	revealed	reveal	VERB
cjfa-37574	97	4	that	that	SCONJ
cjfa-37574	97	5	there	there	PRON
cjfa-37574	97	6	was	be	VERB
cjfa-37574	97	7	no	no	DET
cjfa-37574	97	8	cointegration	cointegration	NOUN
cjfa-37574	97	9	between	between	ADP
cjfa-37574	97	10	the	the	DET
cjfa-37574	97	11	two	two	NUM
cjfa-37574	97	12	time	time	NOUN
cjfa-37574	97	13	series	series	NOUN
cjfa-37574	97	14	variables	variable	NOUN
cjfa-37574	97	15	.	.	PUNCT
cjfa-37574	98	1	table	table	NOUN
cjfa-37574	98	2	2	2	NUM
cjfa-37574	98	3	provides	provide	VERB
cjfa-37574	98	4	a	a	DET
cjfa-37574	98	5	summary	summary	NOUN
cjfa-37574	98	6	of	of	ADP
cjfa-37574	98	7	the	the	DET
cjfa-37574	98	8	cointegration	cointegration	NOUN
cjfa-37574	98	9	test	test	NOUN
cjfa-37574	98	10	.	.	PUNCT
cjfa-37574	99	1	vector	vector	NOUN
cjfa-37574	99	2	autoregressive	autoregressive	ADJ
cjfa-37574	99	3	model	model	NOUN
cjfa-37574	99	4	vector	vector	NOUN
cjfa-37574	99	5	autoregression	autoregression	NOUN
cjfa-37574	99	6	(	(	PUNCT
cjfa-37574	99	7	var	var	NOUN
cjfa-37574	99	8	)	)	PUNCT
cjfa-37574	99	9	is	be	AUX
cjfa-37574	99	10	a	a	DET
cjfa-37574	99	11	statistical	statistical	ADJ
cjfa-37574	99	12	model	model	NOUN
cjfa-37574	99	13	that	that	PRON
cjfa-37574	99	14	is	be	AUX
cjfa-37574	99	15	frequently	frequently	ADV
cjfa-37574	99	16	used	use	VERB
cjfa-37574	99	17	to	to	PART
cjfa-37574	99	18	examine	examine	VERB
cjfa-37574	99	19	the	the	DET
cjfa-37574	99	20	relationship	relationship	NOUN
cjfa-37574	99	21	between	between	ADP
cjfa-37574	99	22	multiple	multiple	ADJ
cjfa-37574	99	23	time	time	NOUN
cjfa-37574	99	24	series	series	NOUN
cjfa-37574	99	25	variables	variable	NOUN
cjfa-37574	99	26	.	.	PUNCT
cjfa-37574	100	1	impulse	impulse	ADJ
cjfa-37574	100	2	response	response	NOUN
cjfa-37574	100	3	functions	function	NOUN
cjfa-37574	100	4	were	be	AUX
cjfa-37574	100	5	then	then	ADV
cjfa-37574	100	6	projected	project	VERB
cjfa-37574	100	7	in	in	ADP
cjfa-37574	100	8	the	the	DET
cjfa-37574	100	9	context	context	NOUN
cjfa-37574	100	10	of	of	ADP
cjfa-37574	100	11	the	the	DET
cjfa-37574	100	12	developed	develop	VERB
cjfa-37574	100	13	var	var	NOUN
cjfa-37574	100	14	model	model	NOUN
cjfa-37574	100	15	by	by	ADP
cjfa-37574	100	16	using	use	VERB
cjfa-37574	100	17	cholesky	cholesky	ADJ
cjfa-37574	100	18	decomposition	decomposition	NOUN
cjfa-37574	100	19	method	method	NOUN
cjfa-37574	100	20	with	with	ADP
cjfa-37574	100	21	dof	dof	NOUN
cjfa-37574	100	22	adjusted	adjust	VERB
cjfa-37574	100	23	.	.	PUNCT
cjfa-37574	101	1	since	since	SCONJ
cjfa-37574	101	2	the	the	DET
cjfa-37574	101	3	main	main	ADJ
cjfa-37574	101	4	objective	objective	NOUN
cjfa-37574	101	5	of	of	ADP
cjfa-37574	101	6	the	the	DET
cjfa-37574	101	7	paper	paper	NOUN
cjfa-37574	101	8	was	be	AUX
cjfa-37574	101	9	to	to	PART
cjfa-37574	101	10	investigate	investigate	VERB
cjfa-37574	101	11	whether	whether	SCONJ
cjfa-37574	101	12	number	number	NOUN
cjfa-37574	101	13	of	of	ADP
cjfa-37574	101	14	mfs	mfs	NOUN
cjfa-37574	101	15	agents	agent	NOUN
cjfa-37574	101	16	can	can	AUX
cjfa-37574	101	17	influence	influence	VERB
cjfa-37574	101	18	the	the	DET
cjfa-37574	101	19	number	number	NOUN
cjfa-37574	101	20	of	of	ADP
cjfa-37574	101	21	mfs	mfs	NOUN
cjfa-37574	101	22	users	user	NOUN
cjfa-37574	101	23	,	,	PUNCT
cjfa-37574	101	24	number	number	NOUN
cjfa-37574	101	25	of	of	ADP
cjfa-37574	101	26	mfs	mfs	NOUN
cjfa-37574	101	27	agents	agent	NOUN
cjfa-37574	101	28	was	be	AUX
cjfa-37574	101	29	first	first	ADV
cjfa-37574	101	30	in	in	ADP
cjfa-37574	101	31	cholesky	cholesky	ADJ
cjfa-37574	101	32	ordering	ordering	NOUN
cjfa-37574	101	33	followed	follow	VERB
cjfa-37574	101	34	by	by	ADP
cjfa-37574	101	35	number	number	NOUN
cjfa-37574	101	36	of	of	ADP
cjfa-37574	101	37	registered	register	VERB
cjfa-37574	101	38	mfs	mfs	NOUN
cjfa-37574	101	39	users	user	NOUN
cjfa-37574	101	40	.	.	PUNCT
cjfa-37574	102	1	then	then	ADV
cjfa-37574	102	2	,	,	PUNCT
cjfa-37574	102	3	impulse	impulse	ADJ
cjfa-37574	102	4	response	response	NOUN
cjfa-37574	102	5	graphs	graph	NOUN
cjfa-37574	102	6	were	be	AUX
cjfa-37574	102	7	analyzed	analyze	VERB
cjfa-37574	102	8	to	to	PART
cjfa-37574	102	9	check	check	VERB
cjfa-37574	102	10	how	how	SCONJ
cjfa-37574	102	11	changes	change	NOUN
cjfa-37574	102	12	in	in	ADP
cjfa-37574	102	13	number	number	NOUN
cjfa-37574	102	14	of	of	ADP
cjfa-37574	102	15	mfs	mfs	NOUN
cjfa-37574	102	16	agents	agent	NOUN
cjfa-37574	102	17	impact	impact	VERB
cjfa-37574	102	18	the	the	DET
cjfa-37574	102	19	number	number	NOUN
cjfa-37574	102	20	of	of	ADP
cjfa-37574	102	21	registered	register	VERB
cjfa-37574	102	22	mfs	mfs	NOUN
cjfa-37574	102	23	users	user	NOUN
cjfa-37574	102	24	.	.	PUNCT
cjfa-37574	103	1	in	in	ADP
cjfa-37574	103	2	addition	addition	NOUN
cjfa-37574	103	3	to	to	ADP
cjfa-37574	103	4	the	the	DET
cjfa-37574	103	5	impulse	impulse	ADJ
cjfa-37574	103	6	response	response	NOUN
cjfa-37574	103	7	function	function	NOUN
cjfa-37574	103	8	,	,	PUNCT
cjfa-37574	103	9	forecast	forecast	NOUN
cjfa-37574	103	10	error	error	NOUN
cjfa-37574	103	11	variance	variance	NOUN
cjfa-37574	103	12	decomposition	decomposition	NOUN
cjfa-37574	103	13	was	be	AUX
cjfa-37574	103	14	used	use	VERB
cjfa-37574	103	15	to	to	PART
cjfa-37574	103	16	investigate	investigate	VERB
cjfa-37574	103	17	how	how	SCONJ
cjfa-37574	103	18	the	the	DET
cjfa-37574	103	19	change	change	NOUN
cjfa-37574	103	20	in	in	ADP
cjfa-37574	103	21	number	number	NOUN
cjfa-37574	103	22	of	of	ADP
cjfa-37574	103	23	mfs	mfs	NOUN
cjfa-37574	103	24	agents	agent	NOUN
cjfa-37574	103	25	explains	explain	VERB
cjfa-37574	103	26	variation	variation	NOUN
cjfa-37574	103	27	in	in	ADP
cjfa-37574	103	28	number	number	NOUN
cjfa-37574	103	29	of	of	ADP
cjfa-37574	103	30	registered	register	VERB
cjfa-37574	103	31	mfs	mfs	NOUN
cjfa-37574	103	32	users	user	NOUN
cjfa-37574	103	33	.	.	PUNCT
cjfa-37574	104	1	granger	granger	PROPN
cjfa-37574	104	2	causality	causality	PROPN
cjfa-37574	104	3	test	test	NOUN
cjfa-37574	104	4	additionally	additionally	ADV
cjfa-37574	104	5	,	,	PUNCT
cjfa-37574	104	6	granger	granger	PROPN
cjfa-37574	104	7	causality	causality	PROPN
cjfa-37574	104	8	test	test	NOUN
cjfa-37574	104	9	was	be	AUX
cjfa-37574	104	10	used	use	VERB
cjfa-37574	104	11	to	to	PART
cjfa-37574	104	12	check	check	VERB
cjfa-37574	104	13	whether	whether	SCONJ
cjfa-37574	104	14	any	any	PRON
cjfa-37574	104	15	of	of	ADP
cjfa-37574	104	16	the	the	DET
cjfa-37574	104	17	variable	variable	NOUN
cjfa-37574	104	18	granger	granger	PROPN
cjfa-37574	104	19	caused	cause	VERB
cjfa-37574	104	20	the	the	DET
cjfa-37574	104	21	other	other	ADJ
cjfa-37574	104	22	variable	variable	NOUN
cjfa-37574	104	23	.	.	PUNCT
cjfa-37574	105	1	granger	granger	PROPN
cjfa-37574	105	2	causality	causality	PROPN
cjfa-37574	105	3	test	test	NOUN
cjfa-37574	105	4	is	be	AUX
cjfa-37574	105	5	a	a	DET
cjfa-37574	105	6	statistical	statistical	ADJ
cjfa-37574	105	7	hypothesis	hypothesis	NOUN
cjfa-37574	105	8	test	test	NOUN
cjfa-37574	105	9	that	that	PRON
cjfa-37574	105	10	examines	examine	VERB
cjfa-37574	105	11	if	if	SCONJ
cjfa-37574	105	12	one	one	NUM
cjfa-37574	105	13	time	time	NOUN
cjfa-37574	105	14	series	series	NOUN
cjfa-37574	105	15	can	can	AUX
cjfa-37574	105	16	predict	predict	VERB
cjfa-37574	105	17	the	the	DET
cjfa-37574	105	18	variability	variability	NOUN
cjfa-37574	105	19	in	in	ADP
cjfa-37574	105	20	another	another	DET
cjfa-37574	105	21	time	time	NOUN
cjfa-37574	105	22	series	series	NOUN
cjfa-37574	105	23	(	(	PUNCT
cjfa-37574	105	24	granger	granger	PROPN
cjfa-37574	105	25	,	,	PUNCT
cjfa-37574	105	26	1969	1969	NUM
cjfa-37574	105	27	)	)	PUNCT
cjfa-37574	105	28	.	.	PUNCT
cjfa-37574	106	1	the	the	DET
cjfa-37574	106	2	parameters	parameter	NOUN
cjfa-37574	106	3	for	for	ADP
cjfa-37574	106	4	this	this	DET
cjfa-37574	106	5	test	test	NOUN
cjfa-37574	106	6	were	be	AUX
cjfa-37574	106	7	based	base	VERB
cjfa-37574	106	8	on	on	ADP
cjfa-37574	106	9	the	the	DET
cjfa-37574	106	10	optimal	optimal	ADJ
cjfa-37574	106	11	var	var	NOUN
cjfa-37574	106	12	model	model	NOUN
cjfa-37574	106	13	estimated	estimate	VERB
cjfa-37574	106	14	during	during	ADP
cjfa-37574	106	15	the	the	DET
cjfa-37574	106	16	previous	previous	ADJ
cjfa-37574	106	17	step	step	NOUN
cjfa-37574	106	18	.	.	PUNCT
cjfa-37574	107	1	results	result	NOUN
cjfa-37574	107	2	&	&	CCONJ
cjfa-37574	107	3	discussion	discussion	NOUN
cjfa-37574	107	4	during	during	ADP
cjfa-37574	107	5	the	the	DET
cjfa-37574	107	6	time	time	NOUN
cjfa-37574	107	7	period	period	NOUN
cjfa-37574	107	8	of	of	ADP
cjfa-37574	107	9	2017	2017	NUM
cjfa-37574	107	10	to	to	ADP
cjfa-37574	107	11	2020	2020	NUM
cjfa-37574	107	12	,	,	PUNCT
cjfa-37574	107	13	both	both	DET
cjfa-37574	107	14	number	number	NOUN
cjfa-37574	107	15	of	of	ADP
cjfa-37574	107	16	mfs	mfs	NOUN
cjfa-37574	107	17	agents	agent	NOUN
cjfa-37574	107	18	and	and	CCONJ
cjfa-37574	107	19	number	number	NOUN
cjfa-37574	107	20	of	of	ADP
cjfa-37574	107	21	registered	register	VERB
cjfa-37574	107	22	mfs	mfs	NOUN
cjfa-37574	107	23	users	user	NOUN
cjfa-37574	107	24	were	be	AUX
cjfa-37574	107	25	increasing	increase	VERB
cjfa-37574	107	26	steadily	steadily	ADV
cjfa-37574	107	27	.	.	PUNCT
cjfa-37574	108	1	in	in	ADP
cjfa-37574	108	2	january	january	PROPN
cjfa-37574	108	3	2017	2017	NUM
cjfa-37574	108	4	,	,	PUNCT
cjfa-37574	108	5	the	the	DET
cjfa-37574	108	6	number	number	NOUN
cjfa-37574	108	7	of	of	ADP
cjfa-37574	108	8	mfs	mfs	NOUN
cjfa-37574	108	9	agents	agent	NOUN
cjfa-37574	108	10	was	be	AUX
cjfa-37574	108	11	merely	merely	ADV
cjfa-37574	108	12	723,112	723,112	NUM
cjfa-37574	108	13	;	;	PUNCT
cjfa-37574	108	14	which	which	PRON
cjfa-37574	108	15	increased	increase	VERB
cjfa-37574	108	16	by	by	ADP
cjfa-37574	108	17	more	more	ADJ
cjfa-37574	108	18	than	than	ADP
cjfa-37574	108	19	46	46	NUM
cjfa-37574	108	20	%	%	NOUN
cjfa-37574	108	21	to	to	ADP
cjfa-37574	108	22	1,058,897	1,058,897	NUM
cjfa-37574	108	23	by	by	ADP
cjfa-37574	108	24	december	december	PROPN
cjfa-37574	108	25	of	of	ADP
cjfa-37574	108	26	2020	2020	NUM
cjfa-37574	108	27	.	.	PUNCT
cjfa-37574	109	1	this	this	DET
cjfa-37574	109	2	increasing	increase	VERB
cjfa-37574	109	3	trend	trend	NOUN
cjfa-37574	109	4	is	be	AUX
cjfa-37574	109	5	clearly	clearly	ADV
cjfa-37574	109	6	visible	visible	ADJ
cjfa-37574	109	7	in	in	ADP
cjfa-37574	109	8	chart	chart	NOUN
cjfa-37574	109	9	1	1	NUM
cjfa-37574	109	10	.	.	PUNCT
cjfa-37574	109	11	during	during	ADP
cjfa-37574	109	12	the	the	DET
cjfa-37574	109	13	same	same	ADJ
cjfa-37574	109	14	time	time	NOUN
cjfa-37574	109	15	period	period	NOUN
cjfa-37574	109	16	,	,	PUNCT
cjfa-37574	109	17	number	number	NOUN
cjfa-37574	109	18	of	of	ADP
cjfa-37574	109	19	registered	register	VERB
cjfa-37574	109	20	mfs	mfs	NOUN
cjfa-37574	109	21	users	user	NOUN
cjfa-37574	109	22	per	per	ADP
cjfa-37574	109	23	100,000	100,000	NUM
cjfa-37574	109	24	individuals	individual	NOUN
cjfa-37574	109	25	increased	increase	VERB
cjfa-37574	109	26	to	to	ADP
cjfa-37574	109	27	993	993	NUM
cjfa-37574	109	28	from	from	ADP
cjfa-37574	109	29	419	419	NUM
cjfa-37574	109	30	,	,	PUNCT
cjfa-37574	109	31	an	an	DET
cjfa-37574	109	32	increase	increase	NOUN
cjfa-37574	109	33	of	of	ADP
cjfa-37574	109	34	more	more	ADJ
cjfa-37574	109	35	than	than	ADP
cjfa-37574	109	36	136	136	NUM
cjfa-37574	109	37	%	%	NOUN
cjfa-37574	109	38	(	(	PUNCT
cjfa-37574	109	39	chart	chart	NOUN
cjfa-37574	109	40	2	2	NUM
cjfa-37574	109	41	)	)	PUNCT
cjfa-37574	109	42	.	.	PUNCT
cjfa-37574	110	1	mohammad	mohammad	PROPN
cjfa-37574	110	2	ali	ali	PROPN
cjfa-37574	110	3	ashraf16	ashraf16	PROPN
cjfa-37574	110	4	chart	chart	VERB
cjfa-37574	111	1	1	1	NUM
cjfa-37574	111	2	.	.	PUNCT
cjfa-37574	111	3	number	number	NOUN
cjfa-37574	111	4	of	of	ADP
cjfa-37574	111	5	mfs	mfs	NOUN
cjfa-37574	111	6	agents	agent	NOUN
cjfa-37574	111	7	registered	register	VERB
cjfa-37574	111	8	mfs	mfs	NOUN
cjfa-37574	111	9	users	user	NOUN
cjfa-37574	111	10	per	per	ADP
cjfa-37574	111	11	100,000	100,000	NUM
cjfa-37574	111	12	individuals	individual	NOUN
cjfa-37574	111	13	increased	increase	VERB
cjfa-37574	111	14	to	to	ADP
cjfa-37574	111	15	993	993	NUM
cjfa-37574	111	16	from	from	ADP
cjfa-37574	111	17	419	419	NUM
cjfa-37574	111	18	,	,	PUNCT
cjfa-37574	111	19	an	an	DET
cjfa-37574	111	20	increase	increase	NOUN
cjfa-37574	111	21	of	of	ADP
cjfa-37574	111	22	more	more	ADJ
cjfa-37574	111	23	than	than	ADP
cjfa-37574	111	24	136	136	NUM
cjfa-37574	111	25	%	%	NOUN
cjfa-37574	111	26	(	(	PUNCT
cjfa-37574	111	27	chart	chart	NOUN
cjfa-37574	111	28	2	2	NUM
cjfa-37574	111	29	)	)	PUNCT
cjfa-37574	111	30	.	.	PUNCT
cjfa-37574	112	1	chart	chart	NOUN
cjfa-37574	112	2	1	1	NUM
cjfa-37574	112	3	.	.	PUNCT
cjfa-37574	112	4	number	number	NOUN
cjfa-37574	112	5	of	of	ADP
cjfa-37574	112	6	mfs	mfs	NOUN
cjfa-37574	112	7	agents	agent	NOUN
cjfa-37574	112	8	source	source	NOUN
cjfa-37574	112	9	:	:	PUNCT
cjfa-37574	112	10	own	own	ADJ
cjfa-37574	112	11	study	study	NOUN
cjfa-37574	112	12	based	base	VERB
cjfa-37574	112	13	on	on	ADP
cjfa-37574	112	14	bangladesh	bangladesh	PROPN
cjfa-37574	112	15	bank	bank	PROPN
cjfa-37574	112	16	mfs	mfs	NOUN
cjfa-37574	112	17	dataset	dataset	NOUN
cjfa-37574	112	18	(	(	PUNCT
cjfa-37574	112	19	bangladesh	bangladesh	PROPN
cjfa-37574	112	20	bank	bank	NOUN
cjfa-37574	112	21	,	,	PUNCT
cjfa-37574	112	22	2021	2021	NUM
cjfa-37574	112	23	)	)	PUNCT
cjfa-37574	112	24	.	.	PUNCT
cjfa-37574	113	1	from	from	ADP
cjfa-37574	113	2	the	the	DET
cjfa-37574	113	3	charts	chart	NOUN
cjfa-37574	113	4	,	,	PUNCT
cjfa-37574	113	5	it	it	PRON
cjfa-37574	113	6	is	be	AUX
cjfa-37574	113	7	also	also	ADV
cjfa-37574	113	8	visible	visible	ADJ
cjfa-37574	113	9	that	that	SCONJ
cjfa-37574	113	10	both	both	DET
cjfa-37574	113	11	time	time	NOUN
cjfa-37574	113	12	series	series	PROPN
cjfa-37574	113	13	shows	show	VERB
cjfa-37574	113	14	an	an	DET
cjfa-37574	113	15	increasing	increase	VERB
cjfa-37574	113	16	trend	trend	NOUN
cjfa-37574	113	17	,	,	PUNCT
cjfa-37574	113	18	but	but	CCONJ
cjfa-37574	113	19	no	no	DET
cjfa-37574	113	20	apparent	apparent	ADJ
cjfa-37574	113	21	seasonality	seasonality	NOUN
cjfa-37574	113	22	was	be	AUX
cjfa-37574	113	23	revealed	reveal	VERB
cjfa-37574	113	24	,	,	PUNCT
cjfa-37574	113	25	nor	nor	CCONJ
cjfa-37574	113	26	was	be	AUX
cjfa-37574	113	27	there	there	PRON
cjfa-37574	113	28	any	any	DET
cjfa-37574	113	29	indication	indication	NOUN
cjfa-37574	113	30	of	of	ADP
cjfa-37574	113	31	cyclic	cyclic	ADJ
cjfa-37574	113	32	behavior	behavior	NOUN
cjfa-37574	113	33	.	.	PUNCT
cjfa-37574	114	1	from	from	ADP
cjfa-37574	114	2	visual	visual	ADJ
cjfa-37574	114	3	inspection	inspection	NOUN
cjfa-37574	114	4	of	of	ADP
cjfa-37574	114	5	the	the	DET
cjfa-37574	114	6	charts	chart	NOUN
cjfa-37574	114	7	,	,	PUNCT
cjfa-37574	114	8	it	it	PRON
cjfa-37574	114	9	can	can	AUX
cjfa-37574	114	10	also	also	ADV
cjfa-37574	114	11	be	be	AUX
cjfa-37574	114	12	stated	state	VERB
cjfa-37574	114	13	that	that	SCONJ
cjfa-37574	114	14	both	both	DET
cjfa-37574	114	15	time	time	NOUN
cjfa-37574	114	16	series	series	PROPN
cjfa-37574	114	17	were	be	AUX
cjfa-37574	114	18	non	non	ADJ
cjfa-37574	114	19	stationary	stationary	ADJ
cjfa-37574	114	20	.	.	PUNCT
cjfa-37574	115	1	chart	chart	NOUN
cjfa-37574	115	2	2	2	NUM
cjfa-37574	115	3	.	.	X
cjfa-37574	115	4	number	number	NOUN
cjfa-37574	115	5	of	of	ADP
cjfa-37574	115	6	register	register	PROPN
cjfa-37574	115	7	ed	ed	PROPN
cjfa-37574	115	8	mfs	mfs	NOUN
cjfa-37574	115	9	users	user	NOUN
cjfa-37574	115	10	per	per	ADP
cjfa-37574	115	11	100,000	100,000	NUM
cjfa-37574	115	12	of	of	ADP
cjfa-37574	115	13	populati	populati	NOUN
cjfa-37574	115	14	on	on	ADP
cjfa-37574	115	15	600,000	600,000	NUM
cjfa-37574	115	16	700,000	700,000	NUM
cjfa-37574	115	17	800,000	800,000	NUM
cjfa-37574	115	18	900,000	900,000	NUM
cjfa-37574	115	19	1,000,000	1,000,000	NUM
cjfa-37574	115	20	1,100,000	1,100,000	NUM
cjfa-37574	115	21	2017	2017	NUM
cjfa-37574	115	22	2018	2018	NUM
cjfa-37574	115	23	2019	2019	NUM
cjfa-37574	115	24	2020	2020	NUM
cjfa-37574	115	25	no	no	NOUN
cjfa-37574	115	26	.	.	PUNCT
cjfa-37574	116	1	of	of	ADP
cjfa-37574	116	2	mfs	mfs	NOUN
cjfa-37574	116	3	agents	agent	NOUN
cjfa-37574	116	4	400	400	NUM
cjfa-37574	116	5	500	500	NUM
cjfa-37574	116	6	600	600	NUM
cjfa-37574	116	7	700	700	NUM
cjfa-37574	116	8	800	800	NUM
cjfa-37574	116	9	900	900	NUM
cjfa-37574	116	10	1,000	1,000	NUM
cjfa-37574	116	11	2017	2017	NUM
cjfa-37574	116	12	2018	2018	NUM
cjfa-37574	116	13	2019	2019	NUM
cjfa-37574	116	14	2020	2020	NUM
cjfa-37574	116	15	no	no	NOUN
cjfa-37574	116	16	.	.	PUNCT
cjfa-37574	117	1	of	of	ADP
cjfa-37574	117	2	registered	register	VERB
cjfa-37574	117	3	clients	client	NOUN
cjfa-37574	117	4	per	per	ADP
cjfa-37574	117	5	100,000	100,000	NUM
cjfa-37574	117	6	of	of	ADP
cjfa-37574	117	7	population	population	NOUN
cjfa-37574	117	8	s	s	PART
cjfa-37574	117	9	o	o	NOUN
cjfa-37574	117	10	u	u	NOUN
cjfa-37574	117	11	r	r	NOUN
cjfa-37574	117	12	c	c	NOUN
cjfa-37574	117	13	e	e	NOUN
cjfa-37574	117	14	:	:	PUNCT
cjfa-37574	117	15	own	own	ADJ
cjfa-37574	117	16	study	study	NOUN
cjfa-37574	117	17	based	base	VERB
cjfa-37574	117	18	on	on	ADP
cjfa-37574	117	19	bangladesh	bangladesh	PROPN
cjfa-37574	117	20	bank	bank	PROPN
cjfa-37574	117	21	mfs	mfs	NOUN
cjfa-37574	117	22	dataset	dataset	NOUN
cjfa-37574	117	23	(	(	PUNCT
cjfa-37574	117	24	bangladesh	bangladesh	PROPN
cjfa-37574	117	25	bank	bank	NOUN
cjfa-37574	117	26	,	,	PUNCT
cjfa-37574	117	27	2021	2021	NUM
cjfa-37574	117	28	)	)	PUNCT
cjfa-37574	117	29	.	.	PUNCT
cjfa-37574	118	1	from	from	ADP
cjfa-37574	118	2	the	the	DET
cjfa-37574	118	3	charts	chart	NOUN
cjfa-37574	118	4	,	,	PUNCT
cjfa-37574	118	5	it	it	PRON
cjfa-37574	118	6	is	be	AUX
cjfa-37574	118	7	also	also	ADV
cjfa-37574	118	8	visible	visible	ADJ
cjfa-37574	118	9	that	that	SCONJ
cjfa-37574	118	10	both	both	DET
cjfa-37574	118	11	time	time	NOUN
cjfa-37574	118	12	series	series	PROPN
cjfa-37574	118	13	shows	show	VERB
cjfa-37574	118	14	an	an	DET
cjfa-37574	118	15	increasing	increase	VERB
cjfa-37574	118	16	trend	trend	NOUN
cjfa-37574	118	17	,	,	PUNCT
cjfa-37574	118	18	but	but	CCONJ
cjfa-37574	118	19	no	no	DET
cjfa-37574	118	20	apparent	apparent	ADJ
cjfa-37574	118	21	seasonality	seasonality	NOUN
cjfa-37574	118	22	was	be	AUX
cjfa-37574	118	23	revealed	reveal	VERB
cjfa-37574	118	24	,	,	PUNCT
cjfa-37574	118	25	nor	nor	CCONJ
cjfa-37574	118	26	was	be	AUX
cjfa-37574	118	27	there	there	PRON
cjfa-37574	118	28	any	any	DET
cjfa-37574	118	29	indication	indication	NOUN
cjfa-37574	118	30	of	of	ADP
cjfa-37574	118	31	cyclic	cyclic	ADJ
cjfa-37574	118	32	behavior	behavior	NOUN
cjfa-37574	118	33	.	.	PUNCT
cjfa-37574	119	1	from	from	ADP
cjfa-37574	119	2	visual	visual	ADJ
cjfa-37574	119	3	inspection	inspection	NOUN
cjfa-37574	119	4	of	of	ADP
cjfa-37574	119	5	the	the	DET
cjfa-37574	119	6	charts	chart	NOUN
cjfa-37574	119	7	,	,	PUNCT
cjfa-37574	119	8	it	it	PRON
cjfa-37574	119	9	can	can	AUX
cjfa-37574	119	10	also	also	ADV
cjfa-37574	119	11	be	be	AUX
cjfa-37574	119	12	stated	state	VERB
cjfa-37574	119	13	that	that	SCONJ
cjfa-37574	119	14	both	both	DET
cjfa-37574	119	15	time	time	NOUN
cjfa-37574	119	16	series	series	PROPN
cjfa-37574	119	17	were	be	AUX
cjfa-37574	119	18	non	non	ADJ
cjfa-37574	119	19	stationary	stationary	ADJ
cjfa-37574	119	20	.	.	PUNCT
cjfa-37574	120	1	chart	chart	NOUN
cjfa-37574	120	2	2	2	NUM
cjfa-37574	120	3	.	.	X
cjfa-37574	120	4	number	number	NOUN
cjfa-37574	120	5	of	of	ADP
cjfa-37574	120	6	registered	register	VERB
cjfa-37574	120	7	mfs	mfs	NOUN
cjfa-37574	120	8	users	user	NOUN
cjfa-37574	120	9	per	per	ADP
cjfa-37574	120	10	100,000	100,000	NUM
cjfa-37574	120	11	of	of	ADP
cjfa-37574	120	12	population	population	NOUN
cjfa-37574	120	13	registered	register	VERB
cjfa-37574	120	14	mfs	mfs	NOUN
cjfa-37574	120	15	users	user	NOUN
cjfa-37574	120	16	per	per	ADP
cjfa-37574	120	17	100,000	100,000	NUM
cjfa-37574	120	18	individuals	individual	NOUN
cjfa-37574	120	19	increased	increase	VERB
cjfa-37574	120	20	to	to	ADP
cjfa-37574	120	21	993	993	NUM
cjfa-37574	120	22	from	from	ADP
cjfa-37574	120	23	419	419	NUM
cjfa-37574	120	24	,	,	PUNCT
cjfa-37574	120	25	an	an	DET
cjfa-37574	120	26	increase	increase	NOUN
cjfa-37574	120	27	of	of	ADP
cjfa-37574	120	28	more	more	ADJ
cjfa-37574	120	29	than	than	ADP
cjfa-37574	120	30	136	136	NUM
cjfa-37574	120	31	%	%	NOUN
cjfa-37574	120	32	(	(	PUNCT
cjfa-37574	120	33	chart	chart	NOUN
cjfa-37574	120	34	2	2	NUM
cjfa-37574	120	35	)	)	PUNCT
cjfa-37574	120	36	.	.	PUNCT
cjfa-37574	121	1	chart	chart	NOUN
cjfa-37574	121	2	1	1	NUM
cjfa-37574	121	3	.	.	PUNCT
cjfa-37574	121	4	number	number	NOUN
cjfa-37574	121	5	of	of	ADP
cjfa-37574	121	6	mfs	mfs	NOUN
cjfa-37574	121	7	agents	agent	NOUN
cjfa-37574	121	8	source	source	NOUN
cjfa-37574	121	9	:	:	PUNCT
cjfa-37574	121	10	own	own	ADJ
cjfa-37574	121	11	study	study	NOUN
cjfa-37574	121	12	based	base	VERB
cjfa-37574	121	13	on	on	ADP
cjfa-37574	121	14	bangladesh	bangladesh	PROPN
cjfa-37574	121	15	bank	bank	PROPN
cjfa-37574	121	16	mfs	mfs	NOUN
cjfa-37574	121	17	dataset	dataset	NOUN
cjfa-37574	121	18	(	(	PUNCT
cjfa-37574	121	19	bangladesh	bangladesh	PROPN
cjfa-37574	121	20	bank	bank	NOUN
cjfa-37574	121	21	,	,	PUNCT
cjfa-37574	121	22	2021	2021	NUM
cjfa-37574	121	23	)	)	PUNCT
cjfa-37574	121	24	.	.	PUNCT
cjfa-37574	122	1	from	from	ADP
cjfa-37574	122	2	the	the	DET
cjfa-37574	122	3	charts	chart	NOUN
cjfa-37574	122	4	,	,	PUNCT
cjfa-37574	122	5	it	it	PRON
cjfa-37574	122	6	is	be	AUX
cjfa-37574	122	7	also	also	ADV
cjfa-37574	122	8	visible	visible	ADJ
cjfa-37574	122	9	that	that	SCONJ
cjfa-37574	122	10	both	both	DET
cjfa-37574	122	11	time	time	NOUN
cjfa-37574	122	12	series	series	PROPN
cjfa-37574	122	13	shows	show	VERB
cjfa-37574	122	14	an	an	DET
cjfa-37574	122	15	increasing	increase	VERB
cjfa-37574	122	16	trend	trend	NOUN
cjfa-37574	122	17	,	,	PUNCT
cjfa-37574	122	18	but	but	CCONJ
cjfa-37574	122	19	no	no	DET
cjfa-37574	122	20	apparent	apparent	ADJ
cjfa-37574	122	21	seasonality	seasonality	NOUN
cjfa-37574	122	22	was	be	AUX
cjfa-37574	122	23	revealed	reveal	VERB
cjfa-37574	122	24	,	,	PUNCT
cjfa-37574	122	25	nor	nor	CCONJ
cjfa-37574	122	26	was	be	AUX
cjfa-37574	122	27	there	there	PRON
cjfa-37574	122	28	any	any	DET
cjfa-37574	122	29	indication	indication	NOUN
cjfa-37574	122	30	of	of	ADP
cjfa-37574	122	31	cyclic	cyclic	ADJ
cjfa-37574	122	32	behavior	behavior	NOUN
cjfa-37574	122	33	.	.	PUNCT
cjfa-37574	123	1	from	from	ADP
cjfa-37574	123	2	visual	visual	ADJ
cjfa-37574	123	3	inspection	inspection	NOUN
cjfa-37574	123	4	of	of	ADP
cjfa-37574	123	5	the	the	DET
cjfa-37574	123	6	charts	chart	NOUN
cjfa-37574	123	7	,	,	PUNCT
cjfa-37574	123	8	it	it	PRON
cjfa-37574	123	9	can	can	AUX
cjfa-37574	123	10	also	also	ADV
cjfa-37574	123	11	be	be	AUX
cjfa-37574	123	12	stated	state	VERB
cjfa-37574	123	13	that	that	SCONJ
cjfa-37574	123	14	both	both	DET
cjfa-37574	123	15	time	time	NOUN
cjfa-37574	123	16	series	series	PROPN
cjfa-37574	123	17	were	be	AUX
cjfa-37574	123	18	non	non	ADJ
cjfa-37574	123	19	stationary	stationary	ADJ
cjfa-37574	123	20	.	.	PUNCT
cjfa-37574	124	1	chart	chart	NOUN
cjfa-37574	124	2	2	2	NUM
cjfa-37574	124	3	.	.	X
cjfa-37574	124	4	number	number	NOUN
cjfa-37574	124	5	of	of	ADP
cjfa-37574	124	6	register	register	PROPN
cjfa-37574	124	7	ed	ed	PROPN
cjfa-37574	124	8	mfs	mfs	NOUN
cjfa-37574	124	9	users	user	NOUN
cjfa-37574	124	10	per	per	ADP
cjfa-37574	124	11	100,000	100,000	NUM
cjfa-37574	124	12	of	of	ADP
cjfa-37574	124	13	populati	populati	NOUN
cjfa-37574	124	14	on	on	ADP
cjfa-37574	124	15	600,000	600,000	NUM
cjfa-37574	124	16	700,000	700,000	NUM
cjfa-37574	124	17	800,000	800,000	NUM
cjfa-37574	124	18	900,000	900,000	NUM
cjfa-37574	124	19	1,000,000	1,000,000	NUM
cjfa-37574	124	20	1,100,000	1,100,000	NUM
cjfa-37574	124	21	2017	2017	NUM
cjfa-37574	124	22	2018	2018	NUM
cjfa-37574	124	23	2019	2019	NUM
cjfa-37574	124	24	2020	2020	NUM
cjfa-37574	124	25	no	no	NOUN
cjfa-37574	124	26	.	.	PUNCT
cjfa-37574	125	1	of	of	ADP
cjfa-37574	125	2	mfs	mfs	NOUN
cjfa-37574	125	3	agents	agent	NOUN
cjfa-37574	125	4	400	400	NUM
cjfa-37574	125	5	500	500	NUM
cjfa-37574	125	6	600	600	NUM
cjfa-37574	125	7	700	700	NUM
cjfa-37574	125	8	800	800	NUM
cjfa-37574	125	9	900	900	NUM
cjfa-37574	125	10	1,000	1,000	NUM
cjfa-37574	125	11	2017	2017	NUM
cjfa-37574	125	12	2018	2018	NUM
cjfa-37574	125	13	2019	2019	NUM
cjfa-37574	125	14	2020	2020	NUM
cjfa-37574	125	15	no	no	NOUN
cjfa-37574	125	16	.	.	PUNCT
cjfa-37574	126	1	of	of	ADP
cjfa-37574	126	2	registered	register	VERB
cjfa-37574	126	3	clients	client	NOUN
cjfa-37574	126	4	per	per	ADP
cjfa-37574	126	5	100,000	100,000	NUM
cjfa-37574	126	6	of	of	ADP
cjfa-37574	126	7	population	population	NOUN
cjfa-37574	126	8	s	s	PART
cjfa-37574	126	9	o	o	NOUN
cjfa-37574	126	10	u	u	NOUN
cjfa-37574	126	11	r	r	NOUN
cjfa-37574	126	12	c	c	NOUN
cjfa-37574	126	13	e	e	NOUN
cjfa-37574	126	14	:	:	PUNCT
cjfa-37574	126	15	own	own	ADJ
cjfa-37574	126	16	study	study	NOUN
cjfa-37574	126	17	based	base	VERB
cjfa-37574	126	18	on	on	ADP
cjfa-37574	126	19	bangladesh	bangladesh	PROPN
cjfa-37574	126	20	bank	bank	PROPN
cjfa-37574	126	21	mfs	mfs	NOUN
cjfa-37574	126	22	dataset	dataset	NOUN
cjfa-37574	126	23	(	(	PUNCT
cjfa-37574	126	24	bangladesh	bangladesh	PROPN
cjfa-37574	126	25	bank	bank	NOUN
cjfa-37574	126	26	,	,	PUNCT
cjfa-37574	126	27	2021	2021	NUM
cjfa-37574	126	28	)	)	PUNCT
cjfa-37574	126	29	.	.	PUNCT
cjfa-37574	127	1	the	the	DET
cjfa-37574	127	2	impact	impact	NOUN
cjfa-37574	127	3	of	of	ADP
cjfa-37574	127	4	mobile	mobile	ADJ
cjfa-37574	127	5	financial	financial	ADJ
cjfa-37574	127	6	services	service	NOUN
cjfa-37574	127	7	…	…	PUNCT
cjfa-37574	127	8	17	17	NUM
cjfa-37574	127	9	impact	impact	NOUN
cjfa-37574	127	10	of	of	ADP
cjfa-37574	127	11	covid-19	covid-19	PROPN
cjfa-37574	127	12	like	like	ADP
cjfa-37574	127	13	all	all	DET
cjfa-37574	127	14	other	other	ADJ
cjfa-37574	127	15	countries	country	NOUN
cjfa-37574	127	16	in	in	ADP
cjfa-37574	127	17	the	the	DET
cjfa-37574	127	18	world	world	NOUN
cjfa-37574	127	19	,	,	PUNCT
cjfa-37574	127	20	bangladesh	bangladesh	PROPN
cjfa-37574	127	21	also	also	ADV
cjfa-37574	127	22	faced	face	VERB
cjfa-37574	127	23	the	the	DET
cjfa-37574	127	24	consequence	consequence	NOUN
cjfa-37574	127	25	of	of	ADP
cjfa-37574	127	26	the	the	DET
cjfa-37574	127	27	covid-19	covid-19	PROPN
cjfa-37574	127	28	pandemic	pandemic	NOUN
cjfa-37574	127	29	.	.	PUNCT
cjfa-37574	128	1	on	on	ADP
cjfa-37574	128	2	march	march	PROPN
cjfa-37574	128	3	8	8	NUM
cjfa-37574	128	4	,	,	PUNCT
cjfa-37574	128	5	2020	2020	NUM
cjfa-37574	128	6	,	,	PUNCT
cjfa-37574	128	7	the	the	DET
cjfa-37574	128	8	first	first	ADJ
cjfa-37574	128	9	case	case	NOUN
cjfa-37574	128	10	of	of	ADP
cjfa-37574	128	11	covid-19	covid-19	PROPN
cjfa-37574	128	12	was	be	AUX
cjfa-37574	128	13	detected	detect	VERB
cjfa-37574	128	14	in	in	ADP
cjfa-37574	128	15	bangladesh	bangladesh	NOUN
cjfa-37574	128	16	,	,	PUNCT
cjfa-37574	128	17	and	and	CCONJ
cjfa-37574	128	18	the	the	DET
cjfa-37574	128	19	government	government	NOUN
cjfa-37574	128	20	initiated	initiate	VERB
cjfa-37574	128	21	a	a	DET
cjfa-37574	128	22	countrywide	countrywide	NOUN
cjfa-37574	128	23	shutdown	shutdown	NOUN
cjfa-37574	128	24	on	on	ADP
cjfa-37574	128	25	26	26	NUM
cjfa-37574	128	26	march	march	NOUN
cjfa-37574	128	27	,	,	PUNCT
cjfa-37574	128	28	2020	2020	NUM
cjfa-37574	128	29	.	.	PUNCT
cjfa-37574	129	1	as	as	SCONJ
cjfa-37574	129	2	movement	movement	NOUN
cjfa-37574	129	3	of	of	ADP
cjfa-37574	129	4	individuals	individual	NOUN
cjfa-37574	129	5	was	be	AUX
cjfa-37574	129	6	restricted	restrict	VERB
cjfa-37574	129	7	,	,	PUNCT
cjfa-37574	129	8	commercial	commercial	ADJ
cjfa-37574	129	9	activities	activity	NOUN
cjfa-37574	129	10	were	be	AUX
cjfa-37574	129	11	suspended	suspend	VERB
cjfa-37574	129	12	and	and	CCONJ
cjfa-37574	129	13	formal	formal	ADJ
cjfa-37574	129	14	financial	financial	ADJ
cjfa-37574	129	15	service	service	NOUN
cjfa-37574	129	16	organizations	organization	NOUN
cjfa-37574	129	17	like	like	ADP
cjfa-37574	129	18	banks	bank	NOUN
cjfa-37574	129	19	remained	remain	VERB
cjfa-37574	129	20	inactive	inactive	ADJ
cjfa-37574	129	21	,	,	PUNCT
cjfa-37574	129	22	it	it	PRON
cjfa-37574	129	23	was	be	AUX
cjfa-37574	129	24	assumed	assume	VERB
cjfa-37574	129	25	that	that	SCONJ
cjfa-37574	129	26	mfs	mfs	NOUN
cjfa-37574	129	27	activities	activity	NOUN
cjfa-37574	129	28	will	will	AUX
cjfa-37574	129	29	see	see	VERB
cjfa-37574	129	30	a	a	DET
cjfa-37574	129	31	substantial	substantial	ADJ
cjfa-37574	129	32	rise	rise	NOUN
cjfa-37574	129	33	(	(	PUNCT
cjfa-37574	129	34	islam	islam	PROPN
cjfa-37574	129	35	,	,	PUNCT
cjfa-37574	129	36	talukder	talukder	NOUN
cjfa-37574	129	37	,	,	PUNCT
cjfa-37574	129	38	siddiqui	siddiqui	PROPN
cjfa-37574	129	39	&	&	CCONJ
cjfa-37574	129	40	islam	islam	PROPN
cjfa-37574	129	41	,	,	PUNCT
cjfa-37574	129	42	2020	2020	NUM
cjfa-37574	129	43	)	)	PUNCT
cjfa-37574	129	44	.	.	PUNCT
cjfa-37574	130	1	although	although	SCONJ
cjfa-37574	130	2	there	there	PRON
cjfa-37574	130	3	were	be	VERB
cjfa-37574	130	4	changes	change	NOUN
cjfa-37574	130	5	in	in	ADP
cjfa-37574	130	6	the	the	DET
cjfa-37574	130	7	trends	trend	NOUN
cjfa-37574	130	8	of	of	ADP
cjfa-37574	130	9	these	these	DET
cjfa-37574	130	10	variables	variable	NOUN
cjfa-37574	130	11	after	after	ADP
cjfa-37574	130	12	the	the	DET
cjfa-37574	130	13	month	month	NOUN
cjfa-37574	130	14	of	of	ADP
cjfa-37574	130	15	march	march	PROPN
cjfa-37574	130	16	,	,	PUNCT
cjfa-37574	130	17	according	accord	VERB
cjfa-37574	130	18	to	to	ADP
cjfa-37574	130	19	data	datum	NOUN
cjfa-37574	130	20	6	6	NUM
cjfa-37574	130	21	month	month	NOUN
cjfa-37574	130	22	prior	prior	ADV
cjfa-37574	130	23	and	and	CCONJ
cjfa-37574	130	24	after	after	ADP
cjfa-37574	130	25	march	march	PROPN
cjfa-37574	130	26	2020	2020	NUM
cjfa-37574	130	27	,	,	PUNCT
cjfa-37574	130	28	the	the	DET
cjfa-37574	130	29	evidence	evidence	NOUN
cjfa-37574	130	30	was	be	AUX
cjfa-37574	130	31	inconclusive	inconclusive	ADJ
cjfa-37574	130	32	to	to	PART
cjfa-37574	130	33	attribute	attribute	VERB
cjfa-37574	130	34	such	such	ADJ
cjfa-37574	130	35	changes	change	NOUN
cjfa-37574	130	36	to	to	ADP
cjfa-37574	130	37	the	the	DET
cjfa-37574	130	38	pandemic	pandemic	NOUN
cjfa-37574	130	39	.	.	PUNCT
cjfa-37574	131	1	during	during	ADP
cjfa-37574	131	2	the	the	DET
cjfa-37574	131	3	48	48	NUM
cjfa-37574	131	4	months	month	NOUN
cjfa-37574	131	5	analyzed	analyze	VERB
cjfa-37574	131	6	in	in	ADP
cjfa-37574	131	7	the	the	DET
cjfa-37574	131	8	study	study	NOUN
cjfa-37574	131	9	,	,	PUNCT
cjfa-37574	131	10	number	number	NOUN
cjfa-37574	131	11	of	of	ADP
cjfa-37574	131	12	agents	agent	NOUN
cjfa-37574	131	13	had	have	VERB
cjfa-37574	131	14	an	an	DET
cjfa-37574	131	15	average	average	ADJ
cjfa-37574	131	16	growth	growth	NOUN
cjfa-37574	131	17	rate	rate	NOUN
cjfa-37574	131	18	of	of	ADP
cjfa-37574	131	19	0.82	0.82	NUM
cjfa-37574	131	20	%	%	NOUN
cjfa-37574	131	21	with	with	ADP
cjfa-37574	131	22	a	a	DET
cjfa-37574	131	23	standard	standard	ADJ
cjfa-37574	131	24	deviation	deviation	NOUN
cjfa-37574	131	25	of	of	ADP
cjfa-37574	131	26	0.92	0.92	NUM
cjfa-37574	131	27	%	%	NOUN
cjfa-37574	131	28	,	,	PUNCT
cjfa-37574	131	29	while	while	SCONJ
cjfa-37574	131	30	number	number	NOUN
cjfa-37574	131	31	of	of	ADP
cjfa-37574	131	32	registered	register	VERB
cjfa-37574	131	33	users	user	NOUN
cjfa-37574	131	34	had	have	VERB
cjfa-37574	131	35	an	an	DET
cjfa-37574	131	36	average	average	ADJ
cjfa-37574	131	37	growth	growth	NOUN
cjfa-37574	131	38	rate	rate	NOUN
cjfa-37574	131	39	of	of	ADP
cjfa-37574	131	40	1.89	1.89	NUM
cjfa-37574	131	41	%	%	NOUN
cjfa-37574	131	42	with	with	ADP
cjfa-37574	131	43	a	a	DET
cjfa-37574	131	44	standard	standard	ADJ
cjfa-37574	131	45	deviation	deviation	NOUN
cjfa-37574	131	46	of	of	ADP
cjfa-37574	131	47	2.78	2.78	NUM
cjfa-37574	131	48	%	%	NOUN
cjfa-37574	131	49	.	.	PUNCT
cjfa-37574	132	1	in	in	ADP
cjfa-37574	132	2	fact	fact	NOUN
cjfa-37574	132	3	,	,	PUNCT
cjfa-37574	132	4	the	the	DET
cjfa-37574	132	5	monthly	monthly	ADJ
cjfa-37574	132	6	average	average	ADJ
cjfa-37574	132	7	growth	growth	NOUN
cjfa-37574	132	8	rate	rate	NOUN
cjfa-37574	132	9	of	of	ADP
cjfa-37574	132	10	the	the	DET
cjfa-37574	132	11	number	number	NOUN
cjfa-37574	132	12	of	of	ADP
cjfa-37574	132	13	agents	agent	NOUN
cjfa-37574	132	14	was	be	AUX
cjfa-37574	132	15	0.60	0.60	NUM
cjfa-37574	132	16	%	%	NOUN
cjfa-37574	132	17	during	during	ADP
cjfa-37574	132	18	the	the	DET
cjfa-37574	132	19	six	six	NUM
cjfa-37574	132	20	months	month	NOUN
cjfa-37574	132	21	prior	prior	ADV
cjfa-37574	132	22	to	to	ADP
cjfa-37574	132	23	the	the	DET
cjfa-37574	132	24	first	first	ADJ
cjfa-37574	132	25	case	case	NOUN
cjfa-37574	132	26	detection	detection	NOUN
cjfa-37574	132	27	,	,	PUNCT
cjfa-37574	132	28	whereas	whereas	SCONJ
cjfa-37574	132	29	this	this	DET
cjfa-37574	132	30	average	average	ADJ
cjfa-37574	132	31	growth	growth	NOUN
cjfa-37574	132	32	rate	rate	NOUN
cjfa-37574	132	33	dropped	drop	VERB
cjfa-37574	132	34	down	down	ADV
cjfa-37574	132	35	to	to	ADP
cjfa-37574	132	36	0.40	0.40	NUM
cjfa-37574	132	37	%	%	NOUN
cjfa-37574	132	38	during	during	ADP
cjfa-37574	132	39	the	the	DET
cjfa-37574	132	40	six	six	NUM
cjfa-37574	132	41	months	month	NOUN
cjfa-37574	132	42	afterwards	afterwards	ADV
cjfa-37574	132	43	.	.	PUNCT
cjfa-37574	133	1	in	in	ADP
cjfa-37574	133	2	case	case	NOUN
cjfa-37574	133	3	of	of	ADP
cjfa-37574	133	4	number	number	NOUN
cjfa-37574	133	5	of	of	ADP
cjfa-37574	133	6	registered	register	VERB
cjfa-37574	133	7	users	user	NOUN
cjfa-37574	133	8	,	,	PUNCT
cjfa-37574	133	9	during	during	ADP
cjfa-37574	133	10	the	the	DET
cjfa-37574	133	11	six	six	NUM
cjfa-37574	133	12	months	month	NOUN
cjfa-37574	133	13	prior	prior	ADV
cjfa-37574	133	14	to	to	ADP
cjfa-37574	133	15	pandemic	pandemic	ADJ
cjfa-37574	133	16	,	,	PUNCT
cjfa-37574	133	17	the	the	DET
cjfa-37574	133	18	growth	growth	NOUN
cjfa-37574	133	19	in	in	ADP
cjfa-37574	133	20	registered	register	VERB
cjfa-37574	133	21	users	user	NOUN
cjfa-37574	133	22	were	be	AUX
cjfa-37574	133	23	1.79	1.79	NUM
cjfa-37574	133	24	%	%	NOUN
cjfa-37574	133	25	,	,	PUNCT
cjfa-37574	133	26	and	and	CCONJ
cjfa-37574	133	27	2.33	2.33	NUM
cjfa-37574	133	28	%	%	NOUN
cjfa-37574	133	29	percent	percent	NOUN
cjfa-37574	133	30	during	during	ADP
cjfa-37574	133	31	the	the	DET
cjfa-37574	133	32	six	six	NUM
cjfa-37574	133	33	months	month	NOUN
cjfa-37574	133	34	after	after	ADP
cjfa-37574	133	35	march	march	PROPN
cjfa-37574	133	36	.	.	PUNCT
cjfa-37574	134	1	when	when	SCONJ
cjfa-37574	134	2	compared	compare	VERB
cjfa-37574	134	3	to	to	ADP
cjfa-37574	134	4	the	the	DET
cjfa-37574	134	5	standard	standard	ADJ
cjfa-37574	134	6	deviations	deviation	NOUN
cjfa-37574	134	7	,	,	PUNCT
cjfa-37574	134	8	it	it	PRON
cjfa-37574	134	9	can	can	AUX
cjfa-37574	134	10	be	be	AUX
cjfa-37574	134	11	stated	state	VERB
cjfa-37574	134	12	that	that	SCONJ
cjfa-37574	134	13	there	there	PRON
cjfa-37574	134	14	were	be	VERB
cjfa-37574	134	15	no	no	DET
cjfa-37574	134	16	abnormal	abnormal	ADJ
cjfa-37574	134	17	changes	change	NOUN
cjfa-37574	134	18	in	in	ADP
cjfa-37574	134	19	the	the	DET
cjfa-37574	134	20	growth	growth	NOUN
cjfa-37574	134	21	rate	rate	NOUN
cjfa-37574	134	22	after	after	ADP
cjfa-37574	134	23	march	march	PROPN
cjfa-37574	134	24	2020	2020	NUM
cjfa-37574	134	25	.	.	PUNCT
cjfa-37574	135	1	stationarity	stationarity	NOUN
cjfa-37574	135	2	as	as	SCONJ
cjfa-37574	135	3	discussed	discuss	VERB
cjfa-37574	135	4	earlier	early	ADV
cjfa-37574	135	5	,	,	PUNCT
cjfa-37574	135	6	visual	visual	ADJ
cjfa-37574	135	7	inspection	inspection	NOUN
cjfa-37574	135	8	of	of	ADP
cjfa-37574	135	9	both	both	DET
cjfa-37574	135	10	time	time	NOUN
cjfa-37574	135	11	series	series	PROPN
cjfa-37574	135	12	revealed	reveal	VERB
cjfa-37574	135	13	that	that	SCONJ
cjfa-37574	135	14	both	both	PRON
cjfa-37574	135	15	exhibit	exhibit	VERB
cjfa-37574	135	16	increasing	increase	VERB
cjfa-37574	135	17	trend	trend	NOUN
cjfa-37574	135	18	and	and	CCONJ
cjfa-37574	135	19	are	be	AUX
cjfa-37574	135	20	non	non	ADJ
cjfa-37574	135	21	-	-	ADJ
cjfa-37574	135	22	stationary	stationary	ADJ
cjfa-37574	135	23	.	.	PUNCT
cjfa-37574	136	1	this	this	DET
cjfa-37574	136	2	finding	finding	NOUN
cjfa-37574	136	3	was	be	AUX
cjfa-37574	136	4	also	also	ADV
cjfa-37574	136	5	supported	support	VERB
cjfa-37574	136	6	by	by	ADP
cjfa-37574	136	7	the	the	DET
cjfa-37574	136	8	adf	adf	PROPN
cjfa-37574	136	9	test	test	NOUN
cjfa-37574	136	10	of	of	ADP
cjfa-37574	136	11	stationarity	stationarity	NOUN
cjfa-37574	136	12	,	,	PUNCT
cjfa-37574	136	13	results	result	NOUN
cjfa-37574	136	14	of	of	ADP
cjfa-37574	136	15	which	which	PRON
cjfa-37574	136	16	are	be	AUX
cjfa-37574	136	17	presented	present	VERB
cjfa-37574	136	18	in	in	ADP
cjfa-37574	136	19	table	table	NOUN
cjfa-37574	136	20	1	1	NUM
cjfa-37574	136	21	.	.	PUNCT
cjfa-37574	137	1	both	both	DET
cjfa-37574	137	2	variables	variable	NOUN
cjfa-37574	137	3	had	have	VERB
cjfa-37574	137	4	a	a	DET
cjfa-37574	137	5	unit	unit	NOUN
cjfa-37574	137	6	root	root	NOUN
cjfa-37574	137	7	and	and	CCONJ
cjfa-37574	137	8	thus	thus	ADV
cjfa-37574	137	9	were	be	AUX
cjfa-37574	137	10	non	non	ADJ
cjfa-37574	137	11	-	-	ADJ
cjfa-37574	137	12	stationary	stationary	ADJ
cjfa-37574	137	13	at	at	ADP
cjfa-37574	137	14	level	level	NOUN
cjfa-37574	137	15	.	.	PUNCT
cjfa-37574	138	1	the	the	DET
cjfa-37574	138	2	adf	adf	PROPN
cjfa-37574	138	3	test	test	NOUN
cjfa-37574	138	4	also	also	ADV
cjfa-37574	138	5	showed	show	VERB
cjfa-37574	138	6	that	that	SCONJ
cjfa-37574	138	7	at	at	ADP
cjfa-37574	138	8	95	95	NUM
cjfa-37574	138	9	%	%	NOUN
cjfa-37574	138	10	confidence	confidence	NOUN
cjfa-37574	138	11	level	level	NOUN
cjfa-37574	138	12	,	,	PUNCT
cjfa-37574	138	13	both	both	DET
cjfa-37574	138	14	variables	variable	NOUN
cjfa-37574	138	15	became	become	VERB
cjfa-37574	138	16	stationary	stationary	ADJ
cjfa-37574	138	17	at	at	ADP
cjfa-37574	138	18	first	first	ADJ
cjfa-37574	138	19	difference	difference	NOUN
cjfa-37574	138	20	.	.	PUNCT
cjfa-37574	139	1	mohammad	mohammad	PROPN
cjfa-37574	139	2	ali	ali	PROPN
cjfa-37574	139	3	ashraf18	ashraf18	PROPN
cjfa-37574	139	4	table	table	NOUN
cjfa-37574	139	5	1	1	NUM
cjfa-37574	139	6	.	.	PUNCT
cjfa-37574	139	7	unit	unit	NOUN
cjfa-37574	139	8	root	root	PROPN
cjfa-37574	139	9	test	test	NOUN
cjfa-37574	139	10	results	result	NOUN
cjfa-37574	139	11	table	table	NOUN
cjfa-37574	139	12	(	(	PUNCT
cjfa-37574	139	13	adf	adf	NOUN
cjfa-37574	139	14	)	)	PUNCT
cjfa-37574	139	15	null	null	ADJ
cjfa-37574	139	16	hypothesis	hypothesis	NOUN
cjfa-37574	139	17	:	:	PUNCT
cjfa-37574	139	18	the	the	DET
cjfa-37574	139	19	variable	variable	NOUN
cjfa-37574	139	20	has	have	VERB
cjfa-37574	139	21	a	a	DET
cjfa-37574	139	22	unit	unit	NOUN
cjfa-37574	139	23	root	root	NOUN
cjfa-37574	139	24	at	at	ADP
cjfa-37574	139	25	level	level	NOUN
cjfa-37574	139	26	no__of_registered	no__of_registere	VERB
cjfa-37574	139	27	_	_	PUNCT
cjfa-37574	139	28	clients_per_100000	clients_per_100000	VERB
cjfa-37574	139	29	no__of_mfs_agents	no__of_mfs_agent	NOUN
cjfa-37574	139	30	with	with	ADP
cjfa-37574	139	31	constant	constant	ADJ
cjfa-37574	139	32	t	t	PROPN
cjfa-37574	139	33	-	-	PUNCT
cjfa-37574	139	34	statistic	statistic	NOUN
cjfa-37574	139	35	0.0144	0.0144	NUM
cjfa-37574	139	36	-1.2596	-1.2596	PROPN
cjfa-37574	139	37	prob	prob	NOUN
cjfa-37574	139	38	.	.	PUNCT
cjfa-37574	140	1	0.9550	0.9550	NUM
cjfa-37574	140	2	0.6403	0.6403	NUM
cjfa-37574	140	3	no	no	INTJ
cjfa-37574	140	4	no	no	INTJ
cjfa-37574	140	5	with	with	ADP
cjfa-37574	140	6	constant	constant	ADJ
cjfa-37574	140	7	&	&	CCONJ
cjfa-37574	140	8	trend	trend	NOUN
cjfa-37574	140	9	t	t	PROPN
cjfa-37574	140	10	-	-	PUNCT
cjfa-37574	140	11	statistic	statistic	NOUN
cjfa-37574	140	12	-1.2911	-1.2911	PROPN
cjfa-37574	140	13	-2.6531	-2.6531	PROPN
cjfa-37574	140	14	prob	prob	PROPN
cjfa-37574	140	15	.	.	PUNCT
cjfa-37574	141	1	0.8781	0.8781	NUM
cjfa-37574	141	2	0.2601	0.2601	NUM
cjfa-37574	141	3	no	no	INTJ
cjfa-37574	141	4	no	no	INTJ
cjfa-37574	141	5	without	without	ADP
cjfa-37574	141	6	constant	constant	ADJ
cjfa-37574	141	7	&	&	CCONJ
cjfa-37574	141	8	trend	trend	NOUN
cjfa-37574	141	9	t	t	PROPN
cjfa-37574	141	10	-	-	PUNCT
cjfa-37574	141	11	statistic	statistic	NOUN
cjfa-37574	141	12	6.1373	6.1373	NUM
cjfa-37574	141	13	6.9115	6.9115	NUM
cjfa-37574	141	14	prob	prob	NOUN
cjfa-37574	141	15	.	.	PUNCT
cjfa-37574	142	1	1.0000	1.0000	NUM
cjfa-37574	142	2	1.0000	1.0000	NUM
cjfa-37574	142	3	no	no	INTJ
cjfa-37574	142	4	no	no	INTJ
cjfa-37574	142	5	at	at	ADP
cjfa-37574	142	6	first	first	ADJ
cjfa-37574	142	7	difference	difference	NOUN
cjfa-37574	142	8	d(no__of_registered	d(no__of_registere	VERB
cjfa-37574	142	9	_	_	PUNCT
cjfa-37574	142	10	clients_per_100000	clients_per_100000	X
cjfa-37574	142	11	)	)	PUNCT
cjfa-37574	142	12	d(no__of_mfs_agents	d(no__of_mfs_agent	NOUN
cjfa-37574	142	13	)	)	PUNCT
cjfa-37574	142	14	with	with	ADP
cjfa-37574	142	15	constant	constant	ADJ
cjfa-37574	142	16	t	t	PROPN
cjfa-37574	142	17	-	-	PUNCT
cjfa-37574	142	18	statistic	statistic	NOUN
cjfa-37574	142	19	-4.4037	-4.4037	NOUN
cjfa-37574	142	20	-9.4196	-9.4196	PROPN
cjfa-37574	142	21	prob	prob	PROPN
cjfa-37574	142	22	.	.	PUNCT
cjfa-37574	143	1	0.0010	0.0010	NUM
cjfa-37574	143	2	0.0000	0.0000	NUM
cjfa-37574	143	3	*	*	PUNCT
cjfa-37574	144	1	*	*	PUNCT
cjfa-37574	144	2	*	*	PUNCT
cjfa-37574	145	1	*	*	PUNCT
cjfa-37574	145	2	*	*	PUNCT
cjfa-37574	145	3	*	*	PUNCT
cjfa-37574	145	4	with	with	ADP
cjfa-37574	145	5	constant	constant	ADJ
cjfa-37574	145	6	&	&	CCONJ
cjfa-37574	145	7	trend	trend	NOUN
cjfa-37574	145	8	t	t	PROPN
cjfa-37574	145	9	-	-	PUNCT
cjfa-37574	145	10	statistic	statistic	NOUN
cjfa-37574	145	11	-10.8314	-10.8314	PUNCT
cjfa-37574	145	12	-9.3775	-9.3775	NOUN
cjfa-37574	145	13	prob	prob	NOUN
cjfa-37574	145	14	.	.	PUNCT
cjfa-37574	146	1	0.0000	0.0000	NUM
cjfa-37574	146	2	0.0000	0.0000	NUM
cjfa-37574	147	1	*	*	PUNCT
cjfa-37574	148	1	*	*	PUNCT
cjfa-37574	148	2	*	*	PUNCT
cjfa-37574	149	1	*	*	PUNCT
cjfa-37574	149	2	*	*	PUNCT
cjfa-37574	149	3	*	*	PUNCT
cjfa-37574	149	4	without	without	ADP
cjfa-37574	149	5	constant	constant	ADJ
cjfa-37574	149	6	&	&	CCONJ
cjfa-37574	149	7	trend	trend	PROPN
cjfa-37574	149	8	t	t	PROPN
cjfa-37574	149	9	-	-	PUNCT
cjfa-37574	149	10	statistic	statistic	NOUN
cjfa-37574	149	11	-2.3026	-2.3026	NOUN
cjfa-37574	149	12	-1.5496	-1.5496	NOUN
cjfa-37574	149	13	prob	prob	PROPN
cjfa-37574	149	14	.	.	PUNCT
cjfa-37574	150	1	0.0221	0.0221	NUM
cjfa-37574	150	2	0.1127	0.1127	NUM
cjfa-37574	150	3	*	*	PUNCT
cjfa-37574	150	4	*	*	PUNCT
cjfa-37574	150	5	no	no	DET
cjfa-37574	150	6	notes	note	NOUN
cjfa-37574	150	7	:	:	PUNCT
cjfa-37574	150	8	a	a	X
cjfa-37574	150	9	:	:	PUNCT
cjfa-37574	150	10	(	(	PUNCT
cjfa-37574	150	11	*	*	NOUN
cjfa-37574	150	12	)	)	PUNCT
cjfa-37574	150	13	significant	significant	ADJ
cjfa-37574	150	14	at	at	ADP
cjfa-37574	150	15	the	the	DET
cjfa-37574	150	16	10	10	NUM
cjfa-37574	150	17	%	%	NOUN
cjfa-37574	150	18	;	;	PUNCT
cjfa-37574	150	19	(	(	PUNCT
cjfa-37574	150	20	*	*	PUNCT
cjfa-37574	150	21	*	*	NOUN
cjfa-37574	150	22	)	)	PUNCT
cjfa-37574	150	23	significant	significant	ADJ
cjfa-37574	150	24	at	at	ADP
cjfa-37574	150	25	the	the	DET
cjfa-37574	150	26	5	5	NUM
cjfa-37574	150	27	%	%	NOUN
cjfa-37574	150	28	;	;	PUNCT
cjfa-37574	150	29	(	(	PUNCT
cjfa-37574	150	30	*	*	PUNCT
cjfa-37574	150	31	*	*	PUNCT
cjfa-37574	150	32	*	*	NOUN
cjfa-37574	150	33	)	)	PUNCT
cjfa-37574	150	34	significant	significant	ADJ
cjfa-37574	150	35	at	at	ADP
cjfa-37574	150	36	the	the	DET
cjfa-37574	150	37	1	1	NUM
cjfa-37574	150	38	%	%	NOUN
cjfa-37574	150	39	and	and	CCONJ
cjfa-37574	150	40	(	(	PUNCT
cjfa-37574	150	41	no	no	NOUN
cjfa-37574	150	42	)	)	PUNCT
cjfa-37574	150	43	not	not	PART
cjfa-37574	150	44	significant	significant	ADJ
cjfa-37574	150	45	b	b	NOUN
cjfa-37574	150	46	:	:	PUNCT
cjfa-37574	150	47	based	base	VERB
cjfa-37574	150	48	on	on	ADP
cjfa-37574	150	49	sic	sic	ADJ
cjfa-37574	150	50	c	c	NOUN
cjfa-37574	150	51	:	:	PUNCT
cjfa-37574	150	52	probability	probability	NOUN
cjfa-37574	150	53	based	base	VERB
cjfa-37574	150	54	on	on	ADP
cjfa-37574	150	55	mackinnon	mackinnon	PROPN
cjfa-37574	150	56	(	(	PUNCT
cjfa-37574	150	57	1996	1996	NUM
cjfa-37574	150	58	)	)	PUNCT
cjfa-37574	150	59	one	one	NUM
cjfa-37574	150	60	-	-	PUNCT
cjfa-37574	150	61	sided	sided	ADJ
cjfa-37574	150	62	p	p	NOUN
cjfa-37574	150	63	-	-	PUNCT
cjfa-37574	150	64	values	value	NOUN
cjfa-37574	150	65	.	.	PUNCT
cjfa-37574	151	1	s	s	PART
cjfa-37574	151	2	o	o	X
cjfa-37574	151	3	u	u	NOUN
cjfa-37574	151	4	r	r	NOUN
cjfa-37574	151	5	c	c	NOUN
cjfa-37574	151	6	e	e	NOUN
cjfa-37574	151	7	:	:	PUNCT
cjfa-37574	151	8	own	own	ADJ
cjfa-37574	151	9	study	study	NOUN
cjfa-37574	151	10	based	base	VERB
cjfa-37574	151	11	on	on	ADP
cjfa-37574	151	12	bangladesh	bangladesh	PROPN
cjfa-37574	151	13	bank	bank	PROPN
cjfa-37574	151	14	mfs	mfs	NOUN
cjfa-37574	151	15	dataset	dataset	NOUN
cjfa-37574	151	16	(	(	PUNCT
cjfa-37574	151	17	bangladesh	bangladesh	PROPN
cjfa-37574	151	18	bank	bank	NOUN
cjfa-37574	151	19	,	,	PUNCT
cjfa-37574	151	20	2021	2021	NUM
cjfa-37574	151	21	)	)	PUNCT
cjfa-37574	151	22	.	.	PUNCT
cjfa-37574	152	1	the	the	DET
cjfa-37574	152	2	impact	impact	NOUN
cjfa-37574	152	3	of	of	ADP
cjfa-37574	152	4	mobile	mobile	ADJ
cjfa-37574	152	5	financial	financial	ADJ
cjfa-37574	152	6	services	service	NOUN
cjfa-37574	152	7	…	…	PUNCT
cjfa-37574	152	8	19	19	NUM
cjfa-37574	152	9	cointegration	cointegration	NOUN
cjfa-37574	152	10	to	to	PART
cjfa-37574	152	11	check	check	VERB
cjfa-37574	152	12	for	for	ADP
cjfa-37574	152	13	cointegration	cointegration	NOUN
cjfa-37574	152	14	between	between	ADP
cjfa-37574	152	15	the	the	DET
cjfa-37574	152	16	two	two	NUM
cjfa-37574	152	17	time	time	NOUN
cjfa-37574	152	18	series	series	NOUN
cjfa-37574	152	19	variables	variable	NOUN
cjfa-37574	152	20	,	,	PUNCT
cjfa-37574	152	21	johansen	johansen	PROPN
cjfa-37574	152	22	cointegration	cointegration	PROPN
cjfa-37574	152	23	test	test	NOUN
cjfa-37574	152	24	was	be	AUX
cjfa-37574	152	25	used	use	VERB
cjfa-37574	152	26	in	in	ADP
cjfa-37574	152	27	this	this	DET
cjfa-37574	152	28	study	study	NOUN
cjfa-37574	152	29	.	.	PUNCT
cjfa-37574	153	1	the	the	DET
cjfa-37574	153	2	results	result	NOUN
cjfa-37574	153	3	of	of	ADP
cjfa-37574	153	4	the	the	DET
cjfa-37574	153	5	test	test	NOUN
cjfa-37574	153	6	(	(	PUNCT
cjfa-37574	153	7	table	table	NOUN
cjfa-37574	153	8	2	2	NUM
cjfa-37574	153	9	)	)	PUNCT
cjfa-37574	153	10	indicated	indicate	VERB
cjfa-37574	153	11	that	that	SCONJ
cjfa-37574	153	12	at	at	ADP
cjfa-37574	153	13	the	the	DET
cjfa-37574	153	14	selected	select	VERB
cjfa-37574	153	15	lag	lag	NOUN
cjfa-37574	153	16	length	length	NOUN
cjfa-37574	153	17	of	of	ADP
cjfa-37574	153	18	2	2	NUM
cjfa-37574	153	19	specified	specify	VERB
cjfa-37574	153	20	by	by	ADP
cjfa-37574	153	21	aic	aic	PROPN
cjfa-37574	153	22	and	and	CCONJ
cjfa-37574	153	23	fpe	fpe	PROPN
cjfa-37574	153	24	,	,	PUNCT
cjfa-37574	153	25	there	there	PRON
cjfa-37574	153	26	was	be	VERB
cjfa-37574	153	27	no	no	DET
cjfa-37574	153	28	cointegration	cointegration	NOUN
cjfa-37574	153	29	.	.	PUNCT
cjfa-37574	154	1	both	both	PRON
cjfa-37574	154	2	trace	trace	NOUN
cjfa-37574	154	3	and	and	CCONJ
cjfa-37574	154	4	maximum	maximum	ADJ
cjfa-37574	154	5	eigenvalue	eigenvalue	ADJ
cjfa-37574	154	6	tests	test	NOUN
cjfa-37574	154	7	showed	show	VERB
cjfa-37574	154	8	similar	similar	ADJ
cjfa-37574	154	9	results	result	NOUN
cjfa-37574	154	10	indicating	indicate	VERB
cjfa-37574	154	11	the	the	DET
cjfa-37574	154	12	absence	absence	NOUN
cjfa-37574	154	13	of	of	ADP
cjfa-37574	154	14	any	any	DET
cjfa-37574	154	15	cointegration	cointegration	NOUN
cjfa-37574	154	16	among	among	ADP
cjfa-37574	154	17	the	the	DET
cjfa-37574	154	18	two	two	NUM
cjfa-37574	154	19	time	time	NOUN
cjfa-37574	154	20	series	series	NOUN
cjfa-37574	154	21	variables	variable	VERB
cjfa-37574	154	22	under	under	ADP
cjfa-37574	154	23	investigation	investigation	NOUN
cjfa-37574	154	24	.	.	PUNCT
cjfa-37574	155	1	table	table	NOUN
cjfa-37574	156	1	2	2	NUM
cjfa-37574	156	2	.	.	PUNCT
cjfa-37574	156	3	summary	summary	NOUN
cjfa-37574	156	4	of	of	ADP
cjfa-37574	156	5	cointegration	cointegration	NOUN
cjfa-37574	156	6	test	test	NOUN
cjfa-37574	156	7	date	date	NOUN
cjfa-37574	156	8	:	:	PUNCT
cjfa-37574	156	9	03/17/21	03/17/21	NUM
cjfa-37574	156	10	time	time	NOUN
cjfa-37574	156	11	:	:	PUNCT
cjfa-37574	156	12	13:59	13:59	NUM
cjfa-37574	156	13	sample	sample	NOUN
cjfa-37574	156	14	:	:	PUNCT
cjfa-37574	156	15	2017m01	2017m01	PROPN
cjfa-37574	156	16	2020m12	2020m12	PROPN
cjfa-37574	156	17	included	include	VERB
cjfa-37574	156	18	observations	observation	NOUN
cjfa-37574	156	19	:	:	PUNCT
cjfa-37574	156	20	45	45	NUM
cjfa-37574	156	21	series	series	NOUN
cjfa-37574	156	22	:	:	PUNCT
cjfa-37574	156	23	no__of_mfs_agents	no__of_mfs_agents	DET
cjfa-37574	156	24	no__of_registered_clients_per_100000	no__of_registered_clients_per_100000	PROPN
cjfa-37574	156	25	lags	lag	VERB
cjfa-37574	156	26	interval	interval	NOUN
cjfa-37574	156	27	:	:	PUNCT
cjfa-37574	156	28	1	1	NUM
cjfa-37574	156	29	to	to	PART
cjfa-37574	156	30	2	2	NUM
cjfa-37574	156	31	selected	select	VERB
cjfa-37574	156	32	(	(	PUNCT
cjfa-37574	156	33	0.05	0.05	NUM
cjfa-37574	156	34	level	level	NOUN
cjfa-37574	156	35	*	*	NOUN
cjfa-37574	156	36	)	)	PUNCT
cjfa-37574	156	37	number	number	NOUN
cjfa-37574	156	38	of	of	ADP
cjfa-37574	156	39	cointegrating	cointegrate	VERB
cjfa-37574	156	40	relations	relation	NOUN
cjfa-37574	156	41	by	by	ADP
cjfa-37574	156	42	model	model	NOUN
cjfa-37574	156	43	data	datum	NOUN
cjfa-37574	156	44	trend	trend	NOUN
cjfa-37574	156	45	:	:	PUNCT
cjfa-37574	156	46	none	none	NOUN
cjfa-37574	156	47	none	none	NOUN
cjfa-37574	156	48	linear	linear	VERB
cjfa-37574	156	49	linear	linear	ADJ
cjfa-37574	156	50	quadratic	quadratic	ADJ
cjfa-37574	156	51	test	test	NOUN
cjfa-37574	156	52	type	type	NOUN
cjfa-37574	156	53	no	no	DET
cjfa-37574	156	54	intercept	intercept	NOUN
cjfa-37574	156	55	,	,	PUNCT
cjfa-37574	156	56	intercept	intercept	NOUN
cjfa-37574	156	57	,	,	PUNCT
cjfa-37574	156	58	intercept	intercept	PROPN
cjfa-37574	156	59	,	,	PUNCT
cjfa-37574	156	60	intercept	intercept	PROPN
cjfa-37574	156	61	,	,	PUNCT
cjfa-37574	156	62	intercept	intercept	NOUN
cjfa-37574	156	63	,	,	PUNCT
cjfa-37574	156	64	no	no	DET
cjfa-37574	156	65	trend	trend	NOUN
cjfa-37574	156	66	no	no	DET
cjfa-37574	156	67	trend	trend	NOUN
cjfa-37574	156	68	no	no	DET
cjfa-37574	156	69	trend	trend	NOUN
cjfa-37574	156	70	trend	trend	NOUN
cjfa-37574	156	71	trend	trend	NOUN
cjfa-37574	156	72	trace	trace	NOUN
cjfa-37574	156	73	1	1	NUM
cjfa-37574	156	74	0	0	NUM
cjfa-37574	156	75	0	0	NUM
cjfa-37574	156	76	0	0	NUM
cjfa-37574	156	77	0	0	NUM
cjfa-37574	156	78	max	max	PROPN
cjfa-37574	156	79	-	-	PUNCT
cjfa-37574	156	80	eig	eig	PROPN
cjfa-37574	156	81	1	1	NUM
cjfa-37574	156	82	0	0	NUM
cjfa-37574	156	83	0	0	NUM
cjfa-37574	156	84	0	0	NUM
cjfa-37574	156	85	0	0	NUM
cjfa-37574	156	86	*	*	PUNCT
cjfa-37574	156	87	critical	critical	ADJ
cjfa-37574	156	88	values	value	NOUN
cjfa-37574	156	89	based	base	VERB
cjfa-37574	156	90	on	on	ADP
cjfa-37574	156	91	mackinnon	mackinnon	PROPN
cjfa-37574	156	92	-	-	PUNCT
cjfa-37574	156	93	haug	haug	NOUN
cjfa-37574	156	94	-	-	PUNCT
cjfa-37574	156	95	michelis	michelis	PROPN
cjfa-37574	156	96	(	(	PUNCT
cjfa-37574	156	97	1999	1999	NUM
cjfa-37574	156	98	)	)	PUNCT
cjfa-37574	156	99	.	.	PUNCT
cjfa-37574	157	1	s	s	PART
cjfa-37574	157	2	o	o	X
cjfa-37574	157	3	u	u	NOUN
cjfa-37574	157	4	r	r	NOUN
cjfa-37574	157	5	c	c	NOUN
cjfa-37574	157	6	e	e	NOUN
cjfa-37574	157	7	:	:	PUNCT
cjfa-37574	157	8	own	own	ADJ
cjfa-37574	157	9	study	study	NOUN
cjfa-37574	157	10	based	base	VERB
cjfa-37574	157	11	on	on	ADP
cjfa-37574	157	12	bangladesh	bangladesh	PROPN
cjfa-37574	157	13	bank	bank	PROPN
cjfa-37574	157	14	mfs	mfs	NOUN
cjfa-37574	157	15	dataset	dataset	NOUN
cjfa-37574	157	16	(	(	PUNCT
cjfa-37574	157	17	bangladesh	bangladesh	PROPN
cjfa-37574	157	18	bank	bank	NOUN
cjfa-37574	157	19	,	,	PUNCT
cjfa-37574	157	20	2021	2021	NUM
cjfa-37574	157	21	)	)	PUNCT
cjfa-37574	157	22	.	.	PUNCT
cjfa-37574	158	1	vector	vector	NOUN
cjfa-37574	158	2	autoregressive	autoregressive	ADJ
cjfa-37574	158	3	model	model	NOUN
cjfa-37574	158	4	impulse	impulse	ADJ
cjfa-37574	158	5	response	response	NOUN
cjfa-37574	158	6	analysis	analysis	NOUN
cjfa-37574	158	7	of	of	ADP
cjfa-37574	158	8	var	var	NOUN
cjfa-37574	158	9	model	model	NOUN
cjfa-37574	158	10	impulse	impulse	ADJ
cjfa-37574	158	11	response	response	NOUN
cjfa-37574	158	12	analysis	analysis	NOUN
cjfa-37574	158	13	investigates	investigate	VERB
cjfa-37574	158	14	how	how	SCONJ
cjfa-37574	158	15	a	a	DET
cjfa-37574	158	16	time	time	NOUN
cjfa-37574	158	17	series	series	NOUN
cjfa-37574	158	18	variable	variable	NOUN
cjfa-37574	158	19	responds	respond	VERB
cjfa-37574	158	20	to	to	ADP
cjfa-37574	158	21	a	a	DET
cjfa-37574	158	22	shock	shock	NOUN
cjfa-37574	158	23	in	in	ADP
cjfa-37574	158	24	another	another	DET
cjfa-37574	158	25	time	time	NOUN
cjfa-37574	158	26	series	series	NOUN
cjfa-37574	158	27	variable	variable	NOUN
cjfa-37574	158	28	.	.	PUNCT
cjfa-37574	159	1	based	base	VERB
cjfa-37574	159	2	on	on	ADP
cjfa-37574	159	3	the	the	DET
cjfa-37574	159	4	var	var	NOUN
cjfa-37574	159	5	model	model	NOUN
cjfa-37574	159	6	developed	develop	VERB
cjfa-37574	159	7	in	in	ADP
cjfa-37574	159	8	the	the	DET
cjfa-37574	159	9	previous	previous	ADJ
cjfa-37574	159	10	step	step	NOUN
cjfa-37574	159	11	,	,	PUNCT
cjfa-37574	159	12	four	four	NUM
cjfa-37574	159	13	impulse	impulse	ADJ
cjfa-37574	159	14	response	response	NOUN
cjfa-37574	159	15	graphs	graph	NOUN
cjfa-37574	159	16	were	be	AUX
cjfa-37574	159	17	produced	produce	VERB
cjfa-37574	159	18	.	.	PUNCT
cjfa-37574	160	1	since	since	SCONJ
cjfa-37574	160	2	the	the	DET
cjfa-37574	160	3	objective	objective	NOUN
cjfa-37574	160	4	of	of	ADP
cjfa-37574	160	5	the	the	DET
cjfa-37574	160	6	study	study	NOUN
cjfa-37574	160	7	was	be	AUX
cjfa-37574	160	8	to	to	PART
cjfa-37574	160	9	check	check	VERB
cjfa-37574	160	10	how	how	SCONJ
cjfa-37574	160	11	a	a	DET
cjfa-37574	160	12	change	change	NOUN
cjfa-37574	160	13	in	in	ADP
cjfa-37574	160	14	number	number	NOUN
cjfa-37574	160	15	of	of	ADP
cjfa-37574	160	16	mfs	mfs	NOUN
cjfa-37574	160	17	agents	agent	NOUN
cjfa-37574	160	18	changes	change	VERB
cjfa-37574	160	19	the	the	DET
cjfa-37574	160	20	number	number	NOUN
cjfa-37574	160	21	of	of	ADP
cjfa-37574	160	22	registered	register	VERB
cjfa-37574	160	23	mfs	mfs	NOUN
cjfa-37574	160	24	users	user	NOUN
cjfa-37574	160	25	,	,	PUNCT
cjfa-37574	160	26	among	among	ADP
cjfa-37574	160	27	the	the	DET
cjfa-37574	160	28	four	four	NUM
cjfa-37574	160	29	graphs	graph	NOUN
cjfa-37574	160	30	,	,	PUNCT
cjfa-37574	160	31	only	only	ADV
cjfa-37574	160	32	the	the	DET
cjfa-37574	160	33	one	one	NOUN
cjfa-37574	160	34	that	that	PRON
cjfa-37574	160	35	depicts	depict	VERB
cjfa-37574	160	36	the	the	DET
cjfa-37574	160	37	response	response	NOUN
cjfa-37574	160	38	of	of	ADP
cjfa-37574	160	39	number	number	NOUN
cjfa-37574	160	40	of	of	ADP
cjfa-37574	160	41	registered	register	VERB
cjfa-37574	160	42	users	user	NOUN
cjfa-37574	160	43	to	to	ADP
cjfa-37574	160	44	a	a	DET
cjfa-37574	160	45	shock	shock	NOUN
cjfa-37574	160	46	in	in	ADP
cjfa-37574	160	47	number	number	NOUN
cjfa-37574	160	48	of	of	ADP
cjfa-37574	160	49	agents	agent	NOUN
cjfa-37574	160	50	is	be	AUX
cjfa-37574	160	51	highlighted	highlight	VERB
cjfa-37574	160	52	here	here	ADV
cjfa-37574	160	53	(	(	PUNCT
cjfa-37574	160	54	chart	chart	NOUN
cjfa-37574	160	55	3	3	NUM
cjfa-37574	160	56	)	)	PUNCT
cjfa-37574	160	57	.	.	PUNCT
cjfa-37574	161	1	mohammad	mohammad	PROPN
cjfa-37574	161	2	ali	ali	PROPN
cjfa-37574	161	3	ashraf20	ashraf20	PROPN
cjfa-37574	161	4	chart	chart	PROPN
cjfa-37574	161	5	3	3	X
cjfa-37574	161	6	.	.	PUNCT
cjfa-37574	161	7	impulse	impulse	ADJ
cjfa-37574	161	8	response	response	NOUN
cjfa-37574	161	9	:	:	PUNCT
cjfa-37574	161	10	response	response	NOUN
cjfa-37574	161	11	of	of	ADP
cjfa-37574	161	12	number	number	NOUN
cjfa-37574	161	13	of	of	ADP
cjfa-37574	161	14	registered	register	VERB
cjfa-37574	161	15	mfs	mfs	NOUN
cjfa-37574	161	16	users	user	NOUN
cjfa-37574	161	17	to	to	ADP
cjfa-37574	161	18	a	a	DET
cjfa-37574	161	19	change	change	NOUN
cjfa-37574	161	20	in	in	ADP
cjfa-37574	161	21	number	number	NOUN
cjfa-37574	161	22	of	of	ADP
cjfa-37574	161	23	mfs	mfs	NOUN
cjfa-37574	161	24	agents	agent	NOUN
cjfa-37574	161	25	impulse	impulse	ADJ
cjfa-37574	161	26	response	response	NOUN
cjfa-37574	161	27	graphs	graph	NOUN
cjfa-37574	161	28	were	be	AUX
cjfa-37574	161	29	produced	produce	VERB
cjfa-37574	161	30	.	.	PUNCT
cjfa-37574	162	1	since	since	SCONJ
cjfa-37574	162	2	the	the	DET
cjfa-37574	162	3	objective	objective	NOUN
cjfa-37574	162	4	of	of	ADP
cjfa-37574	162	5	the	the	DET
cjfa-37574	162	6	study	study	NOUN
cjfa-37574	162	7	was	be	AUX
cjfa-37574	162	8	to	to	PART
cjfa-37574	162	9	check	check	VERB
cjfa-37574	162	10	how	how	SCONJ
cjfa-37574	162	11	a	a	DET
cjfa-37574	162	12	change	change	NOUN
cjfa-37574	162	13	in	in	ADP
cjfa-37574	162	14	number	number	NOUN
cjfa-37574	162	15	of	of	ADP
cjfa-37574	162	16	mfs	mfs	NOUN
cjfa-37574	162	17	agents	agent	NOUN
cjfa-37574	162	18	changes	change	VERB
cjfa-37574	162	19	the	the	DET
cjfa-37574	162	20	number	number	NOUN
cjfa-37574	162	21	of	of	ADP
cjfa-37574	162	22	registered	register	VERB
cjfa-37574	162	23	mfs	mfs	NOUN
cjfa-37574	162	24	users	user	NOUN
cjfa-37574	162	25	,	,	PUNCT
cjfa-37574	162	26	among	among	ADP
cjfa-37574	162	27	the	the	DET
cjfa-37574	162	28	four	four	NUM
cjfa-37574	162	29	graphs	graph	NOUN
cjfa-37574	162	30	,	,	PUNCT
cjfa-37574	162	31	only	only	ADV
cjfa-37574	162	32	the	the	DET
cjfa-37574	162	33	one	one	NOUN
cjfa-37574	162	34	that	that	PRON
cjfa-37574	162	35	depicts	depict	VERB
cjfa-37574	162	36	the	the	DET
cjfa-37574	162	37	response	response	NOUN
cjfa-37574	162	38	of	of	ADP
cjfa-37574	162	39	number	number	NOUN
cjfa-37574	162	40	of	of	ADP
cjfa-37574	162	41	registered	register	VERB
cjfa-37574	162	42	users	user	NOUN
cjfa-37574	162	43	to	to	ADP
cjfa-37574	162	44	a	a	DET
cjfa-37574	162	45	shock	shock	NOUN
cjfa-37574	162	46	in	in	ADP
cjfa-37574	162	47	number	number	NOUN
cjfa-37574	162	48	of	of	ADP
cjfa-37574	162	49	agents	agent	NOUN
cjfa-37574	162	50	is	be	AUX
cjfa-37574	162	51	highlighted	highlight	VERB
cjfa-37574	162	52	here	here	ADV
cjfa-37574	162	53	(	(	PUNCT
cjfa-37574	162	54	chart	chart	NOUN
cjfa-37574	162	55	3	3	NUM
cjfa-37574	162	56	)	)	PUNCT
cjfa-37574	162	57	.	.	PUNCT
cjfa-37574	163	1	chart	chart	NOUN
cjfa-37574	163	2	3	3	X
cjfa-37574	163	3	.	.	PUNCT
cjfa-37574	163	4	impulse	impulse	ADJ
cjfa-37574	163	5	response	response	NOUN
cjfa-37574	163	6	:	:	PUNCT
cjfa-37574	163	7	response	response	NOUN
cjfa-37574	163	8	of	of	ADP
cjfa-37574	163	9	number	number	NOUN
cjfa-37574	163	10	of	of	ADP
cjfa-37574	163	11	registered	register	VERB
cjfa-37574	163	12	mfs	mfs	NOUN
cjfa-37574	163	13	users	user	NOUN
cjfa-37574	163	14	to	to	ADP
cjfa-37574	163	15	a	a	DET
cjfa-37574	163	16	change	change	NOUN
cjfa-37574	163	17	in	in	ADP
cjfa-37574	163	18	number	number	NOUN
cjfa-37574	163	19	of	of	ADP
cjfa-37574	163	20	mfs	mfs	NOUN
cjfa-37574	163	21	agents	agent	NOUN
cjfa-37574	163	22	source	source	NOUN
cjfa-37574	163	23	:	:	PUNCT
cjfa-37574	163	24	own	own	ADJ
cjfa-37574	163	25	study	study	NOUN
cjfa-37574	163	26	based	base	VERB
cjfa-37574	163	27	on	on	ADP
cjfa-37574	163	28	bangladesh	bangladesh	PROPN
cjfa-37574	163	29	bank	bank	PROPN
cjfa-37574	163	30	mfs	mfs	NOUN
cjfa-37574	163	31	dataset	dataset	NOUN
cjfa-37574	163	32	(	(	PUNCT
cjfa-37574	163	33	bangladesh	bangladesh	PROPN
cjfa-37574	163	34	bank	bank	NOUN
cjfa-37574	163	35	,	,	PUNCT
cjfa-37574	163	36	2021	2021	NUM
cjfa-37574	163	37	)	)	PUNCT
cjfa-37574	163	38	.	.	PUNCT
cjfa-37574	164	1	from	from	ADP
cjfa-37574	164	2	the	the	DET
cjfa-37574	164	3	graph	graph	NOUN
cjfa-37574	164	4	,	,	PUNCT
cjfa-37574	164	5	it	it	PRON
cjfa-37574	164	6	is	be	AUX
cjfa-37574	164	7	evident	evident	ADJ
cjfa-37574	164	8	that	that	SCONJ
cjfa-37574	164	9	initially	initially	ADV
cjfa-37574	164	10	there	there	PRON
cjfa-37574	164	11	is	be	VERB
cjfa-37574	164	12	a	a	DET
cjfa-37574	164	13	negative	negative	ADJ
cjfa-37574	164	14	impact	impact	NOUN
cjfa-37574	164	15	on	on	ADP
cjfa-37574	164	16	the	the	DET
cjfa-37574	164	17	number	number	NOUN
cjfa-37574	164	18	of	of	ADP
cjfa-37574	164	19	registered	register	VERB
cjfa-37574	164	20	mfs	mfs	NOUN
cjfa-37574	164	21	users	user	NOUN
cjfa-37574	164	22	,	,	PUNCT
cjfa-37574	164	23	as	as	SCONJ
cjfa-37574	164	24	indicated	indicate	VERB
cjfa-37574	164	25	by	by	ADP
cjfa-37574	164	26	the	the	DET
cjfa-37574	164	27	line	line	NOUN
cjfa-37574	164	28	starting	start	VERB
cjfa-37574	164	29	below	below	ADP
cjfa-37574	164	30	0	0	NUM
cjfa-37574	164	31	,	,	PUNCT
cjfa-37574	164	32	when	when	SCONJ
cjfa-37574	164	33	there	there	PRON
cjfa-37574	164	34	is	be	VERB
cjfa-37574	164	35	a	a	DET
cjfa-37574	164	36	shock	shock	NOUN
cjfa-37574	164	37	in	in	ADP
cjfa-37574	164	38	the	the	DET
cjfa-37574	164	39	number	number	NOUN
cjfa-37574	164	40	of	of	ADP
cjfa-37574	164	41	mfs	mfs	NOUN
cjfa-37574	164	42	agents	agent	NOUN
cjfa-37574	164	43	.	.	PUNCT
cjfa-37574	165	1	eventually	eventually	ADV
cjfa-37574	165	2	,	,	PUNCT
cjfa-37574	165	3	this	this	DET
cjfa-37574	165	4	negative	negative	ADJ
cjfa-37574	165	5	impact	impact	NOUN
cjfa-37574	165	6	fades	fade	VERB
cjfa-37574	165	7	away	away	ADV
cjfa-37574	165	8	as	as	SCONJ
cjfa-37574	165	9	the	the	DET
cjfa-37574	165	10	line	line	NOUN
cjfa-37574	165	11	moves	move	VERB
cjfa-37574	165	12	from	from	ADP
cjfa-37574	165	13	below	below	ADP
cjfa-37574	165	14	0	0	NUM
cjfa-37574	165	15	to	to	AUX
cjfa-37574	165	16	above	above	ADP
cjfa-37574	165	17	0	0	NUM
cjfa-37574	166	1	and	and	CCONJ
cjfa-37574	166	2	then	then	ADV
cjfa-37574	166	3	merges	merge	VERB
cjfa-37574	166	4	into	into	ADP
cjfa-37574	166	5	0	0	NUM
cjfa-37574	166	6	.	.	PUNCT
cjfa-37574	167	1	one	one	NUM
cjfa-37574	167	2	way	way	NOUN
cjfa-37574	167	3	to	to	PART
cjfa-37574	167	4	interpret	interpret	VERB
cjfa-37574	167	5	this	this	DET
cjfa-37574	167	6	finding	finding	NOUN
cjfa-37574	167	7	is	be	AUX
cjfa-37574	167	8	that	that	SCONJ
cjfa-37574	167	9	,	,	PUNCT
cjfa-37574	167	10	when	when	SCONJ
cjfa-37574	167	11	the	the	DET
cjfa-37574	167	12	number	number	NOUN
cjfa-37574	167	13	of	of	ADP
cjfa-37574	167	14	mfs	mfs	NOUN
cjfa-37574	167	15	agents	agent	NOUN
cjfa-37574	167	16	goes	go	VERB
cjfa-37574	167	17	up	up	ADP
cjfa-37574	167	18	by	by	ADP
cjfa-37574	167	19	1	1	NUM
cjfa-37574	167	20	unit	unit	NOUN
cjfa-37574	167	21	,	,	PUNCT
cjfa-37574	167	22	during	during	ADP
cjfa-37574	167	23	the	the	DET
cjfa-37574	167	24	next	next	ADJ
cjfa-37574	167	25	two	two	NUM
cjfa-37574	167	26	months	month	NOUN
cjfa-37574	167	27	,	,	PUNCT
cjfa-37574	167	28	the	the	DET
cjfa-37574	167	29	number	number	NOUN
cjfa-37574	167	30	of	of	ADP
cjfa-37574	167	31	registered	register	VERB
cjfa-37574	167	32	mfs	mfs	NOUN
cjfa-37574	167	33	users	user	NOUN
cjfa-37574	167	34	per	per	ADP
cjfa-37574	167	35	100,000	100,000	NUM
cjfa-37574	167	36	of	of	ADP
cjfa-37574	167	37	population	population	NOUN
cjfa-37574	167	38	goes	go	VERB
cjfa-37574	167	39	down	down	ADP
cjfa-37574	167	40	by	by	ADP
cjfa-37574	167	41	more	more	ADJ
cjfa-37574	167	42	than	than	ADP
cjfa-37574	167	43	2	2	NUM
cjfa-37574	167	44	units	unit	NOUN
cjfa-37574	167	45	.	.	PUNCT
cjfa-37574	168	1	during	during	ADP
cjfa-37574	168	2	the	the	DET
cjfa-37574	168	3	next	next	ADJ
cjfa-37574	168	4	6	6	NUM
cjfa-37574	168	5	months	month	NOUN
cjfa-37574	168	6	,	,	PUNCT
cjfa-37574	168	7	number	number	NOUN
cjfa-37574	168	8	of	of	ADP
cjfa-37574	168	9	registered	register	VERB
cjfa-37574	168	10	mfs	mfs	NOUN
cjfa-37574	168	11	users	user	NOUN
cjfa-37574	168	12	is	be	AUX
cjfa-37574	168	13	marginally	marginally	ADV
cjfa-37574	168	14	positively	positively	ADV
cjfa-37574	168	15	affected	affect	VERB
cjfa-37574	168	16	–	–	PUNCT
cjfa-37574	168	17	after	after	ADP
cjfa-37574	168	18	which	which	PRON
cjfa-37574	168	19	,	,	PUNCT
cjfa-37574	168	20	this	this	DET
cjfa-37574	168	21	effect	effect	NOUN
cjfa-37574	168	22	starts	start	VERB
cjfa-37574	168	23	to	to	PART
cjfa-37574	168	24	decay	decay	VERB
cjfa-37574	168	25	,	,	PUNCT
cjfa-37574	168	26	eventually	eventually	ADV
cjfa-37574	168	27	becoming	become	VERB
cjfa-37574	168	28	zero	zero	NUM
cjfa-37574	168	29	,	,	PUNCT
cjfa-37574	168	30	for	for	ADP
cjfa-37574	168	31	1	1	NUM
cjfa-37574	168	32	unit	unit	NOUN
cjfa-37574	168	33	of	of	ADP
cjfa-37574	168	34	positive	positive	ADJ
cjfa-37574	168	35	change	change	NOUN
cjfa-37574	168	36	in	in	ADP
cjfa-37574	168	37	number	number	NOUN
cjfa-37574	168	38	of	of	ADP
cjfa-37574	168	39	mfs	mfs	NOUN
cjfa-37574	168	40	agents	agent	NOUN
cjfa-37574	168	41	.	.	PUNCT
cjfa-37574	169	1	-2	-2	NOUN
cjfa-37574	169	2	0	0	NUM
cjfa-37574	169	3	2	2	NUM
cjfa-37574	169	4	4	4	NUM
cjfa-37574	169	5	6	6	NUM
cjfa-37574	169	6	8	8	NUM
cjfa-37574	169	7	1	1	NUM
cjfa-37574	169	8	2	2	NUM
cjfa-37574	169	9	3	3	NUM
cjfa-37574	169	10	4	4	NUM
cjfa-37574	169	11	5	5	NUM
cjfa-37574	169	12	6	6	NUM
cjfa-37574	169	13	7	7	NUM
cjfa-37574	169	14	8	8	NUM
cjfa-37574	169	15	9	9	NUM
cjfa-37574	169	16	10	10	NUM
cjfa-37574	169	17	11	11	NUM
cjfa-37574	169	18	12	12	NUM
cjfa-37574	169	19	response	response	NOUN
cjfa-37574	169	20	of	of	ADP
cjfa-37574	169	21	d(no__of_registered_clients_per_100000	d(no__of_registered_clients_per_100000	PROPN
cjfa-37574	169	22	)	)	PUNCT
cjfa-37574	169	23	to	to	ADP
cjfa-37574	169	24	d(no__of_mfs_agents	d(no__of_mfs_agent	NOUN
cjfa-37574	169	25	)	)	PUNCT
cjfa-37574	169	26	s	s	PART
cjfa-37574	169	27	o	o	NOUN
cjfa-37574	169	28	u	u	NOUN
cjfa-37574	169	29	r	r	NOUN
cjfa-37574	169	30	c	c	NOUN
cjfa-37574	169	31	e	e	NOUN
cjfa-37574	169	32	:	:	PUNCT
cjfa-37574	169	33	own	own	ADJ
cjfa-37574	169	34	study	study	NOUN
cjfa-37574	169	35	based	base	VERB
cjfa-37574	169	36	on	on	ADP
cjfa-37574	169	37	bangladesh	bangladesh	PROPN
cjfa-37574	169	38	bank	bank	PROPN
cjfa-37574	170	1	mfs	mfs	NOUN
cjfa-37574	170	2	dataset	dataset	NOUN
cjfa-37574	170	3	(	(	PUNCT
cjfa-37574	170	4	bangladesh	bangladesh	PROPN
cjfa-37574	170	5	bank	bank	NOUN
cjfa-37574	170	6	,	,	PUNCT
cjfa-37574	170	7	2021	2021	NUM
cjfa-37574	170	8	)	)	PUNCT
cjfa-37574	170	9	.	.	PUNCT
cjfa-37574	171	1	from	from	ADP
cjfa-37574	171	2	the	the	DET
cjfa-37574	171	3	graph	graph	NOUN
cjfa-37574	171	4	,	,	PUNCT
cjfa-37574	171	5	it	it	PRON
cjfa-37574	171	6	is	be	AUX
cjfa-37574	171	7	evident	evident	ADJ
cjfa-37574	171	8	that	that	SCONJ
cjfa-37574	171	9	initially	initially	ADV
cjfa-37574	171	10	there	there	PRON
cjfa-37574	171	11	is	be	VERB
cjfa-37574	171	12	a	a	DET
cjfa-37574	171	13	negative	negative	ADJ
cjfa-37574	171	14	impact	impact	NOUN
cjfa-37574	171	15	on	on	ADP
cjfa-37574	171	16	the	the	DET
cjfa-37574	171	17	number	number	NOUN
cjfa-37574	171	18	of	of	ADP
cjfa-37574	171	19	registered	register	VERB
cjfa-37574	171	20	mfs	mfs	NOUN
cjfa-37574	171	21	users	user	NOUN
cjfa-37574	171	22	,	,	PUNCT
cjfa-37574	171	23	as	as	SCONJ
cjfa-37574	171	24	indicated	indicate	VERB
cjfa-37574	171	25	by	by	ADP
cjfa-37574	171	26	the	the	DET
cjfa-37574	171	27	line	line	NOUN
cjfa-37574	171	28	starting	start	VERB
cjfa-37574	171	29	below	below	ADP
cjfa-37574	171	30	0	0	NUM
cjfa-37574	171	31	,	,	PUNCT
cjfa-37574	171	32	when	when	SCONJ
cjfa-37574	171	33	there	there	PRON
cjfa-37574	171	34	is	be	VERB
cjfa-37574	171	35	a	a	DET
cjfa-37574	171	36	shock	shock	NOUN
cjfa-37574	171	37	in	in	ADP
cjfa-37574	171	38	the	the	DET
cjfa-37574	171	39	number	number	NOUN
cjfa-37574	171	40	of	of	ADP
cjfa-37574	171	41	mfs	mfs	NOUN
cjfa-37574	171	42	agents	agent	NOUN
cjfa-37574	171	43	.	.	PUNCT
cjfa-37574	172	1	eventually	eventually	ADV
cjfa-37574	172	2	,	,	PUNCT
cjfa-37574	172	3	this	this	DET
cjfa-37574	172	4	negative	negative	ADJ
cjfa-37574	172	5	impact	impact	NOUN
cjfa-37574	172	6	fades	fade	VERB
cjfa-37574	172	7	away	away	ADV
cjfa-37574	172	8	as	as	SCONJ
cjfa-37574	172	9	the	the	DET
cjfa-37574	172	10	line	line	NOUN
cjfa-37574	172	11	moves	move	VERB
cjfa-37574	172	12	from	from	ADP
cjfa-37574	172	13	below	below	ADP
cjfa-37574	172	14	0	0	NUM
cjfa-37574	172	15	to	to	AUX
cjfa-37574	172	16	above	above	ADP
cjfa-37574	172	17	0	0	NUM
cjfa-37574	173	1	and	and	CCONJ
cjfa-37574	173	2	then	then	ADV
cjfa-37574	173	3	merges	merge	VERB
cjfa-37574	173	4	into	into	ADP
cjfa-37574	173	5	0	0	NUM
cjfa-37574	173	6	.	.	PUNCT
cjfa-37574	174	1	one	one	NUM
cjfa-37574	174	2	way	way	NOUN
cjfa-37574	174	3	to	to	PART
cjfa-37574	174	4	interpret	interpret	VERB
cjfa-37574	174	5	this	this	DET
cjfa-37574	174	6	finding	finding	NOUN
cjfa-37574	174	7	is	be	AUX
cjfa-37574	174	8	that	that	SCONJ
cjfa-37574	174	9	,	,	PUNCT
cjfa-37574	174	10	when	when	SCONJ
cjfa-37574	174	11	the	the	DET
cjfa-37574	174	12	number	number	NOUN
cjfa-37574	174	13	of	of	ADP
cjfa-37574	174	14	mfs	mfs	NOUN
cjfa-37574	174	15	agents	agent	NOUN
cjfa-37574	174	16	goes	go	VERB
cjfa-37574	174	17	up	up	ADP
cjfa-37574	174	18	by	by	ADP
cjfa-37574	174	19	1	1	NUM
cjfa-37574	174	20	unit	unit	NOUN
cjfa-37574	174	21	,	,	PUNCT
cjfa-37574	174	22	during	during	ADP
cjfa-37574	174	23	the	the	DET
cjfa-37574	174	24	next	next	ADJ
cjfa-37574	174	25	two	two	NUM
cjfa-37574	174	26	months	month	NOUN
cjfa-37574	174	27	,	,	PUNCT
cjfa-37574	174	28	the	the	DET
cjfa-37574	174	29	number	number	NOUN
cjfa-37574	174	30	of	of	ADP
cjfa-37574	174	31	registered	register	VERB
cjfa-37574	174	32	mfs	mfs	NOUN
cjfa-37574	174	33	users	user	NOUN
cjfa-37574	174	34	per	per	ADP
cjfa-37574	174	35	100,000	100,000	NUM
cjfa-37574	174	36	of	of	ADP
cjfa-37574	174	37	population	population	NOUN
cjfa-37574	174	38	goes	go	VERB
cjfa-37574	174	39	down	down	ADP
cjfa-37574	174	40	by	by	ADP
cjfa-37574	174	41	more	more	ADJ
cjfa-37574	174	42	than	than	ADP
cjfa-37574	174	43	2	2	NUM
cjfa-37574	174	44	units	unit	NOUN
cjfa-37574	174	45	.	.	PUNCT
cjfa-37574	175	1	during	during	ADP
cjfa-37574	175	2	the	the	DET
cjfa-37574	175	3	next	next	ADJ
cjfa-37574	175	4	6	6	NUM
cjfa-37574	175	5	months	month	NOUN
cjfa-37574	175	6	,	,	PUNCT
cjfa-37574	175	7	number	number	NOUN
cjfa-37574	175	8	of	of	ADP
cjfa-37574	175	9	registered	register	VERB
cjfa-37574	175	10	mfs	mfs	NOUN
cjfa-37574	175	11	users	user	NOUN
cjfa-37574	175	12	is	be	AUX
cjfa-37574	175	13	marginally	marginally	ADV
cjfa-37574	175	14	positively	positively	ADV
cjfa-37574	175	15	affected	affect	VERB
cjfa-37574	175	16	–	–	PUNCT
cjfa-37574	175	17	after	after	ADP
cjfa-37574	175	18	which	which	PRON
cjfa-37574	175	19	,	,	PUNCT
cjfa-37574	175	20	this	this	DET
cjfa-37574	175	21	effect	effect	NOUN
cjfa-37574	175	22	starts	start	VERB
cjfa-37574	175	23	to	to	PART
cjfa-37574	175	24	decay	decay	VERB
cjfa-37574	175	25	,	,	PUNCT
cjfa-37574	175	26	eventually	eventually	ADV
cjfa-37574	175	27	becoming	become	VERB
cjfa-37574	175	28	zero	zero	NUM
cjfa-37574	175	29	,	,	PUNCT
cjfa-37574	175	30	for	for	ADP
cjfa-37574	175	31	1	1	NUM
cjfa-37574	175	32	unit	unit	NOUN
cjfa-37574	175	33	of	of	ADP
cjfa-37574	175	34	positive	positive	ADJ
cjfa-37574	175	35	change	change	NOUN
cjfa-37574	175	36	in	in	ADP
cjfa-37574	175	37	number	number	NOUN
cjfa-37574	175	38	of	of	ADP
cjfa-37574	175	39	mfs	mfs	NOUN
cjfa-37574	175	40	agents	agent	NOUN
cjfa-37574	175	41	.	.	PUNCT
cjfa-37574	176	1	forecast	forecast	NOUN
cjfa-37574	176	2	error	error	NOUN
cjfa-37574	176	3	variance	variance	NOUN
cjfa-37574	176	4	decomposition	decomposition	NOUN
cjfa-37574	176	5	of	of	ADP
cjfa-37574	176	6	var	var	NOUN
cjfa-37574	176	7	model	model	NOUN
cjfa-37574	176	8	in	in	ADP
cjfa-37574	176	9	a	a	DET
cjfa-37574	176	10	similar	similar	ADJ
cjfa-37574	176	11	manner	manner	NOUN
cjfa-37574	176	12	to	to	ADP
cjfa-37574	176	13	impulse	impulse	ADJ
cjfa-37574	176	14	response	response	NOUN
cjfa-37574	176	15	analysis	analysis	NOUN
cjfa-37574	176	16	,	,	PUNCT
cjfa-37574	176	17	forecast	forecast	NOUN
cjfa-37574	176	18	error	error	NOUN
cjfa-37574	176	19	variance	variance	NOUN
cjfa-37574	176	20	decomposition	decomposition	NOUN
cjfa-37574	176	21	(	(	PUNCT
cjfa-37574	176	22	fevd	fevd	NOUN
cjfa-37574	176	23	)	)	PUNCT
cjfa-37574	176	24	shows	show	VERB
cjfa-37574	176	25	how	how	SCONJ
cjfa-37574	176	26	much	much	ADJ
cjfa-37574	176	27	of	of	ADP
cjfa-37574	176	28	the	the	DET
cjfa-37574	176	29	variability	variability	NOUN
cjfa-37574	176	30	of	of	ADP
cjfa-37574	176	31	one	one	NUM
cjfa-37574	176	32	time	time	NOUN
cjfa-37574	176	33	series	series	NOUN
cjfa-37574	176	34	is	be	AUX
cjfa-37574	176	35	caused	cause	VERB
cjfa-37574	176	36	by	by	ADP
cjfa-37574	176	37	shocks	shock	NOUN
cjfa-37574	176	38	in	in	ADP
cjfa-37574	176	39	another	another	DET
cjfa-37574	176	40	time	time	NOUN
cjfa-37574	176	41	series	series	NOUN
cjfa-37574	176	42	.	.	PUNCT
cjfa-37574	177	1	by	by	ADP
cjfa-37574	177	2	looking	look	VERB
cjfa-37574	177	3	at	at	ADP
cjfa-37574	177	4	the	the	DET
cjfa-37574	177	5	variance	variance	NOUN
cjfa-37574	177	6	decomposition	decomposition	NOUN
cjfa-37574	177	7	of	of	ADP
cjfa-37574	177	8	number	number	NOUN
cjfa-37574	177	9	of	of	ADP
cjfa-37574	177	10	registered	register	VERB
cjfa-37574	177	11	clients	client	NOUN
cjfa-37574	177	12	in	in	ADP
cjfa-37574	177	13	table	table	NOUN
cjfa-37574	177	14	3	3	NUM
cjfa-37574	177	15	,	,	PUNCT
cjfa-37574	177	16	it	it	PRON
cjfa-37574	177	17	can	can	AUX
cjfa-37574	177	18	be	be	AUX
cjfa-37574	177	19	stated	state	VERB
cjfa-37574	177	20	that	that	SCONJ
cjfa-37574	177	21	regardless	regardless	ADV
cjfa-37574	177	22	of	of	ADP
cjfa-37574	177	23	the	the	DET
cjfa-37574	177	24	impact	impact	NOUN
cjfa-37574	177	25	of	of	ADP
cjfa-37574	177	26	mobile	mobile	ADJ
cjfa-37574	177	27	financial	financial	ADJ
cjfa-37574	177	28	services	service	NOUN
cjfa-37574	177	29	…	…	PUNCT
cjfa-37574	177	30	21	21	NUM
cjfa-37574	177	31	short	short	ADJ
cjfa-37574	177	32	or	or	CCONJ
cjfa-37574	177	33	long	long	ADJ
cjfa-37574	177	34	term	term	NOUN
cjfa-37574	177	35	,	,	PUNCT
cjfa-37574	177	36	number	number	NOUN
cjfa-37574	177	37	of	of	ADP
cjfa-37574	177	38	mfs	mfs	NOUN
cjfa-37574	177	39	agents	agent	NOUN
cjfa-37574	177	40	does	do	AUX
cjfa-37574	177	41	not	not	PART
cjfa-37574	177	42	significantly	significantly	ADV
cjfa-37574	177	43	affect	affect	VERB
cjfa-37574	177	44	the	the	DET
cjfa-37574	177	45	number	number	NOUN
cjfa-37574	177	46	of	of	ADP
cjfa-37574	177	47	registered	register	VERB
cjfa-37574	177	48	mfs	mfs	NOUN
cjfa-37574	177	49	users	user	NOUN
cjfa-37574	177	50	.	.	PUNCT
cjfa-37574	178	1	for	for	ADP
cjfa-37574	178	2	instance	instance	NOUN
cjfa-37574	178	3	,	,	PUNCT
cjfa-37574	178	4	during	during	ADP
cjfa-37574	178	5	the	the	DET
cjfa-37574	178	6	6th	6th	ADJ
cjfa-37574	178	7	period	period	NOUN
cjfa-37574	178	8	,	,	PUNCT
cjfa-37574	178	9	only	only	ADV
cjfa-37574	178	10	about	about	ADV
cjfa-37574	178	11	16	16	NUM
cjfa-37574	178	12	%	%	NOUN
cjfa-37574	178	13	of	of	ADP
cjfa-37574	178	14	the	the	DET
cjfa-37574	178	15	forecast	forecast	NOUN
cjfa-37574	178	16	error	error	NOUN
cjfa-37574	178	17	variance	variance	NOUN
cjfa-37574	178	18	in	in	ADP
cjfa-37574	178	19	number	number	NOUN
cjfa-37574	178	20	of	of	ADP
cjfa-37574	178	21	registered	register	VERB
cjfa-37574	178	22	users	user	NOUN
cjfa-37574	178	23	was	be	AUX
cjfa-37574	178	24	due	due	ADJ
cjfa-37574	178	25	to	to	ADP
cjfa-37574	178	26	number	number	NOUN
cjfa-37574	178	27	of	of	ADP
cjfa-37574	178	28	mfs	mfs	NOUN
cjfa-37574	178	29	agents	agent	NOUN
cjfa-37574	178	30	,	,	PUNCT
cjfa-37574	178	31	which	which	PRON
cjfa-37574	178	32	was	be	AUX
cjfa-37574	178	33	deemed	deem	VERB
cjfa-37574	178	34	insignificant	insignificant	ADJ
cjfa-37574	178	35	.	.	PUNCT
cjfa-37574	179	1	table	table	NOUN
cjfa-37574	179	2	3	3	NUM
cjfa-37574	179	3	.	.	PUNCT
cjfa-37574	179	4	forecast	forecast	NOUN
cjfa-37574	179	5	error	error	NOUN
cjfa-37574	179	6	variance	variance	NOUN
cjfa-37574	179	7	decomposition	decomposition	NOUN
cjfa-37574	179	8	variance	variance	NOUN
cjfa-37574	179	9	decomposition	decomposition	NOUN
cjfa-37574	179	10	of	of	ADP
cjfa-37574	179	11	d(no__of_mfs_agents	d(no__of_mfs_agent	NOUN
cjfa-37574	179	12	):	):	PUNCT
cjfa-37574	179	13	period	period	NOUN
cjfa-37574	179	14	s.e	s.e	PROPN
cjfa-37574	179	15	.	.	PROPN
cjfa-37574	179	16	d(no__of_mfs_agents	d(no__of_mfs_agent	NOUN
cjfa-37574	179	17	)	)	PUNCT
cjfa-37574	179	18	d(no__of_registered_clients_per_100000	d(no__of_registered_clients_per_100000	ADJ
cjfa-37574	179	19	)	)	PUNCT
cjfa-37574	179	20	1	1	NUM
cjfa-37574	179	21	4342.483	4342.483	NUM
cjfa-37574	179	22	100.0000	100.0000	NUM
cjfa-37574	179	23	0.000000	0.000000	NUM
cjfa-37574	179	24	2	2	NUM
cjfa-37574	179	25	4589.611	4589.611	NUM
cjfa-37574	179	26	99.45571	99.45571	NUM
cjfa-37574	179	27	0.544294	0.544294	NUM
cjfa-37574	179	28	3	3	NUM
cjfa-37574	179	29	4715.778	4715.778	NUM
cjfa-37574	179	30	96.00657	96.00657	NUM
cjfa-37574	179	31	3.993425	3.993425	NUM
cjfa-37574	179	32	4	4	NUM
cjfa-37574	179	33	4732.140	4732.140	NUM
cjfa-37574	179	34	95.80261	95.80261	NUM
cjfa-37574	180	1	4.197390	4.197390	NUM
cjfa-37574	180	2	5	5	NUM
cjfa-37574	180	3	4755.958	4755.958	NUM
cjfa-37574	180	4	95.08286	95.08286	NUM
cjfa-37574	180	5	4.917138	4.917138	NUM
cjfa-37574	180	6	6	6	NUM
cjfa-37574	180	7	4760.689	4760.689	NUM
cjfa-37574	180	8	94.99087	94.99087	NUM
cjfa-37574	180	9	5.009126	5.009126	NUM
cjfa-37574	180	10	7	7	NUM
cjfa-37574	180	11	4765.463	4765.463	NUM
cjfa-37574	180	12	94.85346	94.85346	NUM
cjfa-37574	180	13	5.146536	5.146536	NUM
cjfa-37574	180	14	8	8	NUM
cjfa-37574	180	15	4766.764	4766.764	NUM
cjfa-37574	180	16	94.82494	94.82494	NUM
cjfa-37574	180	17	5.175063	5.175063	NUM
cjfa-37574	180	18	9	9	NUM
cjfa-37574	180	19	4767.772	4767.772	NUM
cjfa-37574	180	20	94.79699	94.79699	NUM
cjfa-37574	181	1	5.203013	5.203013	NUM
cjfa-37574	181	2	10	10	NUM
cjfa-37574	181	3	4768.110	4768.110	NUM
cjfa-37574	181	4	94.78912	94.78912	NUM
cjfa-37574	181	5	5.210883	5.210883	NUM
cjfa-37574	181	6	11	11	NUM
cjfa-37574	181	7	4768.331	4768.331	NUM
cjfa-37574	181	8	94.78316	94.78316	NUM
cjfa-37574	182	1	5.216845	5.216845	NUM
cjfa-37574	182	2	12	12	NUM
cjfa-37574	182	3	4768.415	4768.415	NUM
cjfa-37574	182	4	94.78112	94.78112	NUM
cjfa-37574	183	1	5.218883	5.218883	NUM
cjfa-37574	183	2	variance	variance	NOUN
cjfa-37574	183	3	decomposition	decomposition	NOUN
cjfa-37574	183	4	of	of	ADP
cjfa-37574	183	5	d(no__of_registered_clients_per_100000	d(no__of_registered_clients_per_100000	ADJ
cjfa-37574	183	6	):	):	PUNCT
cjfa-37574	183	7	period	period	NOUN
cjfa-37574	183	8	s.e	s.e	PROPN
cjfa-37574	183	9	.	.	PROPN
cjfa-37574	183	10	d(no__of_mfs_agents	d(no__of_mfs_agent	NOUN
cjfa-37574	183	11	)	)	PUNCT
cjfa-37574	183	12	d(no__of_registered_clients_per_100000	d(no__of_registered_clients_per_100000	ADJ
cjfa-37574	183	13	)	)	PUNCT
cjfa-37574	183	14	1	1	NUM
cjfa-37574	183	15	8.894830	8.894830	NUM
cjfa-37574	183	16	16.98720	16.98720	NUM
cjfa-37574	183	17	83.01280	83.01280	NUM
cjfa-37574	183	18	2	2	NUM
cjfa-37574	183	19	8.938255	8.938255	NUM
cjfa-37574	183	20	17.12442	17.12442	NUM
cjfa-37574	183	21	82.87558	82.87558	NUM
cjfa-37574	183	22	3	3	NUM
cjfa-37574	183	23	9.131167	9.131167	NUM
cjfa-37574	183	24	16.67070	16.67070	NUM
cjfa-37574	183	25	83.32930	83.32930	NUM
cjfa-37574	183	26	4	4	NUM
cjfa-37574	183	27	9.140166	9.140166	NUM
cjfa-37574	183	28	16.79548	16.79548	NUM
cjfa-37574	183	29	83.20452	83.20452	NUM
cjfa-37574	183	30	5	5	NUM
cjfa-37574	183	31	9.169914	9.169914	NUM
cjfa-37574	183	32	16.80620	16.80620	NUM
cjfa-37574	183	33	83.19380	83.19380	NUM
cjfa-37574	183	34	6	6	NUM
cjfa-37574	183	35	9.173320	9.173320	NUM
cjfa-37574	183	36	16.83979	16.83979	NUM
cjfa-37574	183	37	83.16021	83.16021	NUM
cjfa-37574	183	38	7	7	NUM
cjfa-37574	183	39	9.178825	9.178825	NUM
cjfa-37574	183	40	16.84695	16.84695	NUM
cjfa-37574	183	41	83.15305	83.15305	NUM
cjfa-37574	183	42	8	8	NUM
cjfa-37574	183	43	9.179872	9.179872	NUM
cjfa-37574	183	44	16.85441	16.85441	NUM
cjfa-37574	183	45	83.14559	83.14559	NUM
cjfa-37574	183	46	9	9	NUM
cjfa-37574	183	47	9.180970	9.180970	NUM
cjfa-37574	183	48	16.85662	16.85662	NUM
cjfa-37574	183	49	83.14338	83.14338	NUM
cjfa-37574	183	50	mohammad	mohammad	PROPN
cjfa-37574	183	51	ali	ali	PROPN
cjfa-37574	183	52	ashraf22	ashraf22	PROPN
cjfa-37574	183	53	variance	variance	NOUN
cjfa-37574	183	54	decomposition	decomposition	NOUN
cjfa-37574	183	55	of	of	ADP
cjfa-37574	183	56	d(no__of_registered_clients_per_100000	d(no__of_registered_clients_per_100000	ADJ
cjfa-37574	183	57	):	):	PUNCT
cjfa-37574	183	58	period	period	NOUN
cjfa-37574	183	59	s.e	s.e	PROPN
cjfa-37574	183	60	.	.	PROPN
cjfa-37574	183	61	d(no__of_mfs_agents	d(no__of_mfs_agent	NOUN
cjfa-37574	183	62	)	)	PUNCT
cjfa-37574	183	63	d(no__of_registered_clients_per_100000	d(no__of_registered_clients_per_100000	PROPN
cjfa-37574	183	64	)	)	PUNCT
cjfa-37574	183	65	10	10	NUM
cjfa-37574	183	66	9.181261	9.181261	NUM
cjfa-37574	183	67	16.85828	16.85828	NUM
cjfa-37574	183	68	83.14172	83.14172	NUM
cjfa-37574	183	69	11	11	NUM
cjfa-37574	183	70	9.181492	9.181492	NUM
cjfa-37574	183	71	16.85886	16.85886	NUM
cjfa-37574	183	72	83.14114	83.14114	NUM
cjfa-37574	183	73	12	12	NUM
cjfa-37574	183	74	9.181568	9.181568	NUM
cjfa-37574	183	75	16.85924	16.85924	NUM
cjfa-37574	183	76	83.14076	83.14076	NUM
cjfa-37574	183	77	cholesky	cholesky	NOUN
cjfa-37574	183	78	ordering	ordering	NOUN
cjfa-37574	183	79	:	:	PUNCT
cjfa-37574	183	80	d(no__of_mfs_agents	d(no__of_mfs_agent	NOUN
cjfa-37574	183	81	)	)	PUNCT
cjfa-37574	183	82	d(no__of_registered_clients_per_100000	d(no__of_registered_clients_per_100000	PROPN
cjfa-37574	183	83	)	)	PUNCT
cjfa-37574	183	84	s	s	PART
cjfa-37574	183	85	o	o	NOUN
cjfa-37574	183	86	u	u	NOUN
cjfa-37574	183	87	r	r	NOUN
cjfa-37574	183	88	c	c	NOUN
cjfa-37574	183	89	e	e	NOUN
cjfa-37574	183	90	:	:	PUNCT
cjfa-37574	183	91	own	own	ADJ
cjfa-37574	183	92	study	study	NOUN
cjfa-37574	183	93	based	base	VERB
cjfa-37574	183	94	on	on	ADP
cjfa-37574	183	95	bangladesh	bangladesh	PROPN
cjfa-37574	183	96	bank	bank	PROPN
cjfa-37574	183	97	mfs	mfs	NOUN
cjfa-37574	183	98	dataset	dataset	NOUN
cjfa-37574	183	99	(	(	PUNCT
cjfa-37574	183	100	bangladesh	bangladesh	PROPN
cjfa-37574	183	101	bank	bank	NOUN
cjfa-37574	183	102	,	,	PUNCT
cjfa-37574	183	103	2021	2021	NUM
cjfa-37574	183	104	)	)	PUNCT
cjfa-37574	183	105	.	.	PUNCT
cjfa-37574	184	1	granger	granger	PROPN
cjfa-37574	184	2	causality	causality	PROPN
cjfa-37574	184	3	test	test	NOUN
cjfa-37574	184	4	granger	granger	PROPN
cjfa-37574	184	5	causality	causality	PROPN
cjfa-37574	184	6	test	test	NOUN
cjfa-37574	184	7	between	between	ADP
cjfa-37574	184	8	the	the	DET
cjfa-37574	184	9	two	two	NUM
cjfa-37574	184	10	variables	variable	NOUN
cjfa-37574	184	11	was	be	AUX
cjfa-37574	184	12	conducted	conduct	VERB
cjfa-37574	184	13	with	with	ADP
cjfa-37574	184	14	the	the	DET
cjfa-37574	184	15	same	same	ADJ
cjfa-37574	184	16	parameters	parameter	NOUN
cjfa-37574	184	17	of	of	ADP
cjfa-37574	184	18	the	the	DET
cjfa-37574	184	19	var	var	NOUN
cjfa-37574	184	20	model	model	NOUN
cjfa-37574	184	21	discussed	discuss	VERB
cjfa-37574	184	22	in	in	ADP
cjfa-37574	184	23	the	the	DET
cjfa-37574	184	24	previous	previous	ADJ
cjfa-37574	184	25	section	section	NOUN
cjfa-37574	184	26	.	.	PUNCT
cjfa-37574	185	1	from	from	ADP
cjfa-37574	185	2	the	the	DET
cjfa-37574	185	3	results	result	NOUN
cjfa-37574	185	4	of	of	ADP
cjfa-37574	185	5	the	the	DET
cjfa-37574	185	6	test	test	NOUN
cjfa-37574	185	7	(	(	PUNCT
cjfa-37574	185	8	table	table	NOUN
cjfa-37574	185	9	4	4	NUM
cjfa-37574	185	10	)	)	PUNCT
cjfa-37574	185	11	,	,	PUNCT
cjfa-37574	185	12	it	it	PRON
cjfa-37574	185	13	was	be	AUX
cjfa-37574	185	14	concluded	conclude	VERB
cjfa-37574	185	15	there	there	PRON
cjfa-37574	185	16	was	be	VERB
cjfa-37574	185	17	no	no	DET
cjfa-37574	185	18	granger	granger	NOUN
cjfa-37574	185	19	causality	causality	NOUN
cjfa-37574	185	20	among	among	ADP
cjfa-37574	185	21	the	the	DET
cjfa-37574	185	22	variables	variable	NOUN
cjfa-37574	185	23	,	,	PUNCT
cjfa-37574	185	24	as	as	SCONJ
cjfa-37574	185	25	indicated	indicate	VERB
cjfa-37574	185	26	by	by	ADP
cjfa-37574	185	27	a	a	DET
cjfa-37574	185	28	p	p	NOUN
cjfa-37574	185	29	value	value	NOUN
cjfa-37574	185	30	of	of	ADP
cjfa-37574	185	31	higher	high	ADJ
cjfa-37574	185	32	than	than	ADP
cjfa-37574	185	33	0.05	0.05	NUM
cjfa-37574	185	34	.	.	PUNCT
cjfa-37574	186	1	it	it	PRON
cjfa-37574	186	2	may	may	AUX
cjfa-37574	186	3	also	also	ADV
cjfa-37574	186	4	be	be	AUX
cjfa-37574	186	5	mentioned	mention	VERB
cjfa-37574	186	6	here	here	ADV
cjfa-37574	186	7	that	that	SCONJ
cjfa-37574	186	8	none	none	NOUN
cjfa-37574	186	9	of	of	ADP
cjfa-37574	186	10	the	the	DET
cjfa-37574	186	11	variable	variable	NOUN
cjfa-37574	186	12	granger	granger	PROPN
cjfa-37574	186	13	caused	cause	VERB
cjfa-37574	186	14	the	the	DET
cjfa-37574	186	15	other	other	ADJ
cjfa-37574	186	16	variable	variable	NOUN
cjfa-37574	186	17	.	.	PUNCT
cjfa-37574	187	1	table	table	NOUN
cjfa-37574	187	2	4	4	NUM
cjfa-37574	187	3	.	.	PUNCT
cjfa-37574	187	4	var	var	PROPN
cjfa-37574	187	5	granger	granger	PROPN
cjfa-37574	187	6	causality	causality	PROPN
cjfa-37574	187	7	/	/	SYM
cjfa-37574	187	8	block	block	NOUN
cjfa-37574	187	9	exogeneity	exogeneity	NOUN
cjfa-37574	187	10	wald	wald	NOUN
cjfa-37574	187	11	tests	test	NOUN
cjfa-37574	187	12	date	date	NOUN
cjfa-37574	187	13	:	:	PUNCT
cjfa-37574	188	1	03/18/21	03/18/21	NUM
cjfa-37574	188	2	time	time	NOUN
cjfa-37574	188	3	:	:	PUNCT
cjfa-37574	188	4	20:13	20:13	NUM
cjfa-37574	188	5	sample	sample	NOUN
cjfa-37574	188	6	:	:	PUNCT
cjfa-37574	188	7	2017m01	2017m01	PROPN
cjfa-37574	188	8	2020m12	2020m12	PROPN
cjfa-37574	188	9	included	include	VERB
cjfa-37574	188	10	observations	observation	NOUN
cjfa-37574	188	11	:	:	PUNCT
cjfa-37574	188	12	45	45	NUM
cjfa-37574	188	13	dependent	dependent	ADJ
cjfa-37574	188	14	variable	variable	NOUN
cjfa-37574	188	15	:	:	PUNCT
cjfa-37574	188	16	d(no__of_mfs_agents	d(no__of_mfs_agent	NOUN
cjfa-37574	188	17	)	)	PUNCT
cjfa-37574	188	18	excluded	exclude	VERB
cjfa-37574	188	19	chi	chi	ADJ
cjfa-37574	188	20	-	-	PUNCT
cjfa-37574	188	21	sq	sq	ADJ
cjfa-37574	188	22	df	df	PROPN
cjfa-37574	188	23	prob	prob	PROPN
cjfa-37574	188	24	.	.	PUNCT
cjfa-37574	189	1	d(no__of_registered_clients_per_100000	d(no__of_registered_clients_per_100000	ADJ
cjfa-37574	189	2	)	)	PUNCT
cjfa-37574	189	3	3.127916	3.127916	NUM
cjfa-37574	189	4	2	2	NUM
cjfa-37574	189	5	0.2093	0.2093	NUM
cjfa-37574	189	6	all	all	PRON
cjfa-37574	190	1	3.127916	3.127916	NUM
cjfa-37574	190	2	2	2	NUM
cjfa-37574	190	3	0.2093	0.2093	NUM
cjfa-37574	190	4	dependent	dependent	ADJ
cjfa-37574	190	5	variable	variable	NOUN
cjfa-37574	190	6	:	:	PUNCT
cjfa-37574	190	7	d(no__of_registered_clients_per_100000	d(no__of_registered_clients_per_100000	ADJ
cjfa-37574	190	8	)	)	PUNCT
cjfa-37574	190	9	excluded	exclude	VERB
cjfa-37574	190	10	chi	chi	ADJ
cjfa-37574	190	11	-	-	PUNCT
cjfa-37574	190	12	sq	sq	ADJ
cjfa-37574	190	13	df	df	PROPN
cjfa-37574	190	14	prob	prob	PROPN
cjfa-37574	190	15	.	.	PUNCT
cjfa-37574	191	1	d(no__of_mfs_agents	d(no__of_mfs_agent	NOUN
cjfa-37574	191	2	)	)	PUNCT
cjfa-37574	191	3	1.243859	1.243859	NUM
cjfa-37574	191	4	2	2	NUM
cjfa-37574	191	5	0.5369	0.5369	NUM
cjfa-37574	191	6	all	all	DET
cjfa-37574	191	7	1.243859	1.243859	NUM
cjfa-37574	191	8	2	2	NUM
cjfa-37574	191	9	0.5369	0.5369	NUM
cjfa-37574	191	10	s	s	PART
cjfa-37574	191	11	o	o	X
cjfa-37574	191	12	u	u	NOUN
cjfa-37574	191	13	r	r	NOUN
cjfa-37574	191	14	c	c	NOUN
cjfa-37574	191	15	e	e	NOUN
cjfa-37574	191	16	:	:	PUNCT
cjfa-37574	191	17	own	own	ADJ
cjfa-37574	191	18	study	study	NOUN
cjfa-37574	191	19	based	base	VERB
cjfa-37574	191	20	on	on	ADP
cjfa-37574	191	21	bangladesh	bangladesh	PROPN
cjfa-37574	191	22	bank	bank	PROPN
cjfa-37574	191	23	mfs	mfs	NOUN
cjfa-37574	191	24	dataset	dataset	NOUN
cjfa-37574	191	25	(	(	PUNCT
cjfa-37574	191	26	bangladesh	bangladesh	PROPN
cjfa-37574	191	27	bank	bank	NOUN
cjfa-37574	191	28	,	,	PUNCT
cjfa-37574	191	29	2021	2021	NUM
cjfa-37574	191	30	)	)	PUNCT
cjfa-37574	191	31	.	.	PUNCT
cjfa-37574	192	1	table	table	NOUN
cjfa-37574	192	2	3	3	NUM
cjfa-37574	192	3	.	.	PUNCT
cjfa-37574	192	4	forecast	forecast	NOUN
cjfa-37574	192	5	…	…	PUNCT
cjfa-37574	192	6	the	the	DET
cjfa-37574	192	7	impact	impact	NOUN
cjfa-37574	192	8	of	of	ADP
cjfa-37574	192	9	mobile	mobile	ADJ
cjfa-37574	192	10	financial	financial	ADJ
cjfa-37574	192	11	services	service	NOUN
cjfa-37574	192	12	…	…	PUNCT
cjfa-37574	192	13	23	23	NUM
cjfa-37574	192	14	 	 	SPACE
cjfa-37574	192	15	conclusion	conclusion	NOUN
cjfa-37574	192	16	during	during	ADP
cjfa-37574	192	17	the	the	DET
cjfa-37574	192	18	period	period	NOUN
cjfa-37574	192	19	of	of	ADP
cjfa-37574	192	20	2017	2017	NUM
cjfa-37574	192	21	to	to	ADP
cjfa-37574	192	22	2020	2020	NUM
cjfa-37574	192	23	,	,	PUNCT
cjfa-37574	192	24	bangladesh	bangladesh	PROPN
cjfa-37574	192	25	realized	realize	VERB
cjfa-37574	192	26	a	a	DET
cjfa-37574	192	27	positive	positive	ADJ
cjfa-37574	192	28	growth	growth	NOUN
cjfa-37574	192	29	in	in	ADP
cjfa-37574	192	30	the	the	DET
cjfa-37574	192	31	number	number	NOUN
cjfa-37574	192	32	of	of	ADP
cjfa-37574	192	33	mfs	mfs	NOUN
cjfa-37574	192	34	agents	agent	NOUN
cjfa-37574	192	35	and	and	CCONJ
cjfa-37574	192	36	in	in	ADP
cjfa-37574	192	37	the	the	DET
cjfa-37574	192	38	number	number	NOUN
cjfa-37574	192	39	of	of	ADP
cjfa-37574	192	40	registered	register	VERB
cjfa-37574	192	41	mfs	mfs	NOUN
cjfa-37574	192	42	users	user	NOUN
cjfa-37574	192	43	,	,	PUNCT
cjfa-37574	192	44	and	and	CCONJ
cjfa-37574	192	45	the	the	DET
cjfa-37574	192	46	covid-19	covid-19	PROPN
cjfa-37574	192	47	pandemic	pandemic	NOUN
cjfa-37574	192	48	that	that	PRON
cjfa-37574	192	49	started	start	VERB
cjfa-37574	192	50	in	in	ADP
cjfa-37574	192	51	march	march	PROPN
cjfa-37574	192	52	of	of	ADP
cjfa-37574	192	53	2020	2020	NUM
cjfa-37574	192	54	did	do	AUX
cjfa-37574	192	55	not	not	PART
cjfa-37574	192	56	cause	cause	VERB
cjfa-37574	192	57	any	any	DET
cjfa-37574	192	58	significant	significant	ADJ
cjfa-37574	192	59	change	change	NOUN
cjfa-37574	192	60	in	in	ADP
cjfa-37574	192	61	the	the	DET
cjfa-37574	192	62	increasing	increase	VERB
cjfa-37574	192	63	trend	trend	NOUN
cjfa-37574	192	64	of	of	ADP
cjfa-37574	192	65	these	these	DET
cjfa-37574	192	66	two	two	NUM
cjfa-37574	192	67	variables	variable	NOUN
cjfa-37574	192	68	.	.	PUNCT
cjfa-37574	193	1	although	although	SCONJ
cjfa-37574	193	2	both	both	PRON
cjfa-37574	193	3	the	the	DET
cjfa-37574	193	4	number	number	NOUN
cjfa-37574	193	5	of	of	ADP
cjfa-37574	193	6	agents	agent	NOUN
cjfa-37574	193	7	and	and	CCONJ
cjfa-37574	193	8	number	number	NOUN
cjfa-37574	193	9	of	of	ADP
cjfa-37574	193	10	users	user	NOUN
cjfa-37574	193	11	were	be	AUX
cjfa-37574	193	12	steadily	steadily	ADV
cjfa-37574	193	13	increasing	increase	VERB
cjfa-37574	193	14	simultaneously	simultaneously	ADV
cjfa-37574	193	15	,	,	PUNCT
cjfa-37574	193	16	however	however	ADV
cjfa-37574	193	17	,	,	PUNCT
cjfa-37574	193	18	in	in	ADP
cjfa-37574	193	19	this	this	DET
cjfa-37574	193	20	particular	particular	ADJ
cjfa-37574	193	21	case	case	NOUN
cjfa-37574	193	22	correlation	correlation	NOUN
cjfa-37574	193	23	did	do	AUX
cjfa-37574	193	24	not	not	PART
cjfa-37574	193	25	lead	lead	VERB
cjfa-37574	193	26	to	to	ADP
cjfa-37574	193	27	causation	causation	NOUN
cjfa-37574	193	28	.	.	PUNCT
cjfa-37574	194	1	the	the	DET
cjfa-37574	194	2	study	study	NOUN
cjfa-37574	194	3	was	be	AUX
cjfa-37574	194	4	unable	unable	ADJ
cjfa-37574	194	5	to	to	PART
cjfa-37574	194	6	find	find	VERB
cjfa-37574	194	7	and	and	CCONJ
cjfa-37574	194	8	long	long	ADJ
cjfa-37574	194	9	-	-	PUNCT
cjfa-37574	194	10	term	term	NOUN
cjfa-37574	194	11	cointegrating	cointegrate	VERB
cjfa-37574	194	12	relationship	relationship	NOUN
cjfa-37574	194	13	between	between	ADP
cjfa-37574	194	14	these	these	DET
cjfa-37574	194	15	two	two	NUM
cjfa-37574	194	16	variables	variable	NOUN
cjfa-37574	194	17	,	,	PUNCT
cjfa-37574	194	18	nor	nor	CCONJ
cjfa-37574	194	19	was	be	AUX
cjfa-37574	194	20	it	it	PRON
cjfa-37574	194	21	able	able	ADJ
cjfa-37574	194	22	to	to	PART
cjfa-37574	194	23	find	find	VERB
cjfa-37574	194	24	granger	granger	NOUN
cjfa-37574	194	25	causality	causality	NOUN
cjfa-37574	194	26	.	.	PUNCT
cjfa-37574	195	1	moreover	moreover	ADV
cjfa-37574	195	2	,	,	PUNCT
cjfa-37574	195	3	impulse	impulse	ADJ
cjfa-37574	195	4	response	response	NOUN
cjfa-37574	195	5	and	and	CCONJ
cjfa-37574	195	6	variance	variance	NOUN
cjfa-37574	195	7	error	error	NOUN
cjfa-37574	195	8	decomposition	decomposition	NOUN
cjfa-37574	195	9	methods	method	NOUN
cjfa-37574	195	10	in	in	ADP
cjfa-37574	195	11	the	the	DET
cjfa-37574	195	12	var	var	NOUN
cjfa-37574	195	13	context	context	NOUN
cjfa-37574	195	14	revealed	reveal	VERB
cjfa-37574	195	15	that	that	SCONJ
cjfa-37574	195	16	increasing	increase	VERB
cjfa-37574	195	17	the	the	DET
cjfa-37574	195	18	number	number	NOUN
cjfa-37574	195	19	of	of	ADP
cjfa-37574	195	20	mfs	mfs	NOUN
cjfa-37574	195	21	agents	agent	NOUN
cjfa-37574	195	22	initially	initially	ADV
cjfa-37574	195	23	had	have	VERB
cjfa-37574	195	24	a	a	DET
cjfa-37574	195	25	negative	negative	ADJ
cjfa-37574	195	26	impact	impact	NOUN
cjfa-37574	195	27	on	on	ADP
cjfa-37574	195	28	the	the	DET
cjfa-37574	195	29	number	number	NOUN
cjfa-37574	195	30	of	of	ADP
cjfa-37574	195	31	mfs	mfs	NOUN
cjfa-37574	195	32	users	user	NOUN
cjfa-37574	195	33	,	,	PUNCT
cjfa-37574	195	34	followed	follow	VERB
cjfa-37574	195	35	by	by	ADP
cjfa-37574	195	36	a	a	DET
cjfa-37574	195	37	marginal	marginal	ADJ
cjfa-37574	195	38	positive	positive	ADJ
cjfa-37574	195	39	impact	impact	NOUN
cjfa-37574	195	40	for	for	ADP
cjfa-37574	195	41	a	a	DET
cjfa-37574	195	42	couple	couple	NOUN
cjfa-37574	195	43	of	of	ADP
cjfa-37574	195	44	months	month	NOUN
cjfa-37574	195	45	.	.	PUNCT
cjfa-37574	196	1	ultimately	ultimately	ADV
cjfa-37574	196	2	,	,	PUNCT
cjfa-37574	196	3	any	any	DET
cjfa-37574	196	4	effect	effect	NOUN
cjfa-37574	196	5	of	of	ADP
cjfa-37574	196	6	increasing	increase	VERB
cjfa-37574	196	7	the	the	DET
cjfa-37574	196	8	number	number	NOUN
cjfa-37574	196	9	of	of	ADP
cjfa-37574	196	10	mfs	mfs	NOUN
cjfa-37574	196	11	agents	agent	NOUN
cjfa-37574	196	12	decayed	decay	VERB
cjfa-37574	196	13	out	out	ADP
cjfa-37574	196	14	rather	rather	ADV
cjfa-37574	196	15	rapidly	rapidly	ADV
cjfa-37574	196	16	.	.	PUNCT
cjfa-37574	197	1	hence	hence	ADV
cjfa-37574	197	2	,	,	PUNCT
cjfa-37574	197	3	it	it	PRON
cjfa-37574	197	4	was	be	AUX
cjfa-37574	197	5	concluded	conclude	VERB
cjfa-37574	197	6	that	that	SCONJ
cjfa-37574	197	7	increasing	increase	VERB
cjfa-37574	197	8	access	access	NOUN
cjfa-37574	197	9	to	to	ADP
cjfa-37574	197	10	mobile	mobile	ADJ
cjfa-37574	197	11	financial	financial	ADJ
cjfa-37574	197	12	services	service	NOUN
cjfa-37574	197	13	may	may	AUX
cjfa-37574	197	14	not	not	PART
cjfa-37574	197	15	necessarily	necessarily	ADV
cjfa-37574	197	16	lead	lead	VERB
cjfa-37574	197	17	to	to	ADP
cjfa-37574	197	18	more	more	ADJ
cjfa-37574	197	19	people	people	NOUN
cjfa-37574	197	20	being	be	AUX
cjfa-37574	197	21	financially	financially	ADV
cjfa-37574	197	22	inclusive	inclusive	ADJ
cjfa-37574	197	23	.	.	PUNCT
cjfa-37574	198	1	the	the	DET
cjfa-37574	198	2	policy	policy	NOUN
cjfa-37574	198	3	makers	maker	NOUN
cjfa-37574	198	4	should	should	AUX
cjfa-37574	198	5	refrain	refrain	VERB
cjfa-37574	198	6	from	from	ADP
cjfa-37574	198	7	solely	solely	ADV
cjfa-37574	198	8	relying	rely	VERB
cjfa-37574	198	9	on	on	ADP
cjfa-37574	198	10	increasing	increase	VERB
cjfa-37574	198	11	the	the	DET
cjfa-37574	198	12	number	number	NOUN
cjfa-37574	198	13	of	of	ADP
cjfa-37574	198	14	mfs	mfs	NOUN
cjfa-37574	198	15	access	access	NOUN
cjfa-37574	198	16	points	point	NOUN
cjfa-37574	198	17	or	or	CCONJ
cjfa-37574	198	18	agents	agent	NOUN
cjfa-37574	198	19	.	.	PUNCT
cjfa-37574	199	1	what	what	PRON
cjfa-37574	199	2	could	could	AUX
cjfa-37574	199	3	be	be	AUX
cjfa-37574	199	4	a	a	DET
cjfa-37574	199	5	better	well	ADJ
cjfa-37574	199	6	option	option	NOUN
cjfa-37574	199	7	to	to	PART
cjfa-37574	199	8	improve	improve	VERB
cjfa-37574	199	9	financial	financial	ADJ
cjfa-37574	199	10	inclusion	inclusion	NOUN
cjfa-37574	199	11	in	in	ADP
cjfa-37574	199	12	bangladesh	bangladesh	NOUN
cjfa-37574	199	13	?	?	PUNCT
cjfa-37574	200	1	the	the	DET
cjfa-37574	200	2	answer	answer	NOUN
cjfa-37574	200	3	to	to	ADP
cjfa-37574	200	4	this	this	DET
cjfa-37574	200	5	question	question	NOUN
cjfa-37574	200	6	requires	require	VERB
cjfa-37574	200	7	additional	additional	ADJ
cjfa-37574	200	8	investigation	investigation	NOUN
cjfa-37574	200	9	.	.	PUNCT
cjfa-37574	201	1	one	one	NUM
cjfa-37574	201	2	potential	potential	ADJ
cjfa-37574	201	3	option	option	NOUN
cjfa-37574	201	4	based	base	VERB
cjfa-37574	201	5	on	on	ADP
cjfa-37574	201	6	earlier	early	ADJ
cjfa-37574	201	7	research	research	NOUN
cjfa-37574	201	8	is	be	AUX
cjfa-37574	201	9	that	that	SCONJ
cjfa-37574	201	10	,	,	PUNCT
cjfa-37574	201	11	rather	rather	ADV
cjfa-37574	201	12	than	than	ADP
cjfa-37574	201	13	increasing	increase	VERB
cjfa-37574	201	14	the	the	DET
cjfa-37574	201	15	number	number	NOUN
cjfa-37574	201	16	of	of	ADP
cjfa-37574	201	17	mfs	mfs	NOUN
cjfa-37574	201	18	access	access	NOUN
cjfa-37574	201	19	points	point	NOUN
cjfa-37574	201	20	at	at	ADP
cjfa-37574	201	21	this	this	DET
cjfa-37574	201	22	point	point	NOUN
cjfa-37574	201	23	,	,	PUNCT
cjfa-37574	201	24	it	it	PRON
cjfa-37574	201	25	would	would	AUX
cjfa-37574	201	26	be	be	AUX
cjfa-37574	201	27	relatively	relatively	ADV
cjfa-37574	201	28	more	more	ADV
cjfa-37574	201	29	beneficial	beneficial	ADJ
cjfa-37574	201	30	to	to	PART
cjfa-37574	201	31	focus	focus	VERB
cjfa-37574	201	32	on	on	ADP
cjfa-37574	201	33	increasing	increase	VERB
cjfa-37574	201	34	customer	customer	NOUN
cjfa-37574	201	35	satisfaction	satisfaction	NOUN
cjfa-37574	201	36	by	by	ADP
cjfa-37574	201	37	improving	improve	VERB
cjfa-37574	201	38	the	the	DET
cjfa-37574	201	39	services	service	NOUN
cjfa-37574	201	40	offered	offer	VERB
cjfa-37574	201	41	by	by	ADP
cjfa-37574	201	42	mfs	mfs	NOUN
cjfa-37574	201	43	providers	provider	NOUN
cjfa-37574	201	44	.	.	PUNCT
cjfa-37574	201	45	 	 	SPACE
cjfa-37574	202	1	references	reference	NOUN
cjfa-37574	202	2	alampay	alampay	PROPN
cjfa-37574	202	3	,	,	PUNCT
cjfa-37574	202	4	e.a	e.a	PROPN
cjfa-37574	202	5	.	.	PROPN
cjfa-37574	202	6	,	,	PUNCT
cjfa-37574	202	7	moshi	moshi	PROPN
cjfa-37574	202	8	,	,	PUNCT
cjfa-37574	202	9	g.c	g.c	PROPN
cjfa-37574	202	10	.	.	PROPN
cjfa-37574	202	11	,	,	PUNCT
cjfa-37574	202	12	ghosh	ghosh	PROPN
cjfa-37574	202	13	,	,	PUNCT
cjfa-37574	202	14	i.	i.	PROPN
cjfa-37574	202	15	,	,	PUNCT
cjfa-37574	202	16	peralta	peralta	PROPN
cjfa-37574	202	17	,	,	PUNCT
cjfa-37574	202	18	m.l	m.l	PROPN
cjfa-37574	202	19	.	.	PROPN
cjfa-37574	202	20	,	,	PUNCT
cjfa-37574	202	21	&	&	CCONJ
cjfa-37574	202	22	harshanti	harshanti	PROPN
cjfa-37574	202	23	,	,	PUNCT
cjfa-37574	202	24	j.	j.	PROPN
cjfa-37574	202	25	(	(	PUNCT
cjfa-37574	202	26	2017	2017	NUM
cjfa-37574	202	27	)	)	PUNCT
cjfa-37574	202	28	.	.	PUNCT
cjfa-37574	203	1	the	the	DET
cjfa-37574	203	2	impact	impact	NOUN
cjfa-37574	203	3	of	of	ADP
cjfa-37574	203	4	mobile	mobile	ADJ
cjfa-37574	203	5	financial	financial	ADJ
cjfa-37574	203	6	services	service	NOUN
cjfa-37574	203	7	in	in	ADP
cjfa-37574	203	8	lowand	lowand	ADJ
cjfa-37574	203	9	lower	low	ADJ
cjfa-37574	203	10	middle	middle	ADJ
cjfa-37574	203	11	-	-	PUNCT
cjfa-37574	203	12	income	income	NOUN
cjfa-37574	203	13	countries	country	NOUN
cjfa-37574	203	14	.	.	PUNCT
cjfa-37574	204	1	ontario	ontario	PROPN
cjfa-37574	204	2	:	:	PUNCT
cjfa-37574	204	3	international	international	PROPN
cjfa-37574	204	4	development	development	NOUN
cjfa-37574	204	5	research	research	NOUN
cjfa-37574	204	6	centre	centre	NOUN
cjfa-37574	204	7	.	.	PUNCT
cjfa-37574	205	1	bangens	bangens	PROPN
cjfa-37574	205	2	,	,	PUNCT
cjfa-37574	205	3	l.	l.	PROPN
cjfa-37574	205	4	,	,	PUNCT
cjfa-37574	205	5	&	&	CCONJ
cjfa-37574	205	6	soderberg	soderberg	PROPN
cjfa-37574	205	7	,	,	PUNCT
cjfa-37574	205	8	b.	b.	PROPN
cjfa-37574	205	9	(	(	PUNCT
cjfa-37574	205	10	2008	2008	NUM
cjfa-37574	205	11	)	)	PUNCT
cjfa-37574	205	12	.	.	PUNCT
cjfa-37574	206	1	mobile	mobile	ADJ
cjfa-37574	206	2	banking	banking	NOUN
cjfa-37574	206	3	:	:	PUNCT
cjfa-37574	206	4	financial	financial	ADJ
cjfa-37574	206	5	services	service	NOUN
cjfa-37574	206	6	for	for	ADP
cjfa-37574	206	7	the	the	DET
cjfa-37574	206	8	unbanked	unbanked	NOUN
cjfa-37574	206	9	?	?	PUNCT
cjfa-37574	207	1	stockholm	stockholm	PROPN
cjfa-37574	207	2	:	:	PUNCT
cjfa-37574	207	3	the	the	DET
cjfa-37574	207	4	swedish	swedish	ADJ
cjfa-37574	207	5	programme	programme	NOUN
cjfa-37574	207	6	for	for	ADP
cjfa-37574	207	7	ict	ict	NOUN
cjfa-37574	207	8	in	in	ADP
cjfa-37574	207	9	developing	develop	VERB
cjfa-37574	207	10	regions	region	NOUN
cjfa-37574	207	11	.	.	PUNCT
cjfa-37574	208	1	bangladesh	bangladesh	PROPN
cjfa-37574	208	2	bank	bank	PROPN
cjfa-37574	208	3	(	(	PUNCT
cjfa-37574	208	4	2012	2012	NUM
cjfa-37574	208	5	)	)	PUNCT
cjfa-37574	208	6	.	.	PUNCT
cjfa-37574	209	1	mobile	mobile	ADJ
cjfa-37574	209	2	financial	financial	ADJ
cjfa-37574	209	3	services	service	NOUN
cjfa-37574	209	4	in	in	ADP
cjfa-37574	209	5	bangladesh	bangladesh	NOUN
cjfa-37574	209	6	:	:	PUNCT
cjfa-37574	209	7	an	an	DET
cjfa-37574	209	8	overview	overview	NOUN
cjfa-37574	209	9	of	of	ADP
cjfa-37574	209	10	market	market	NOUN
cjfa-37574	209	11	development	development	NOUN
cjfa-37574	209	12	,	,	PUNCT
cjfa-37574	209	13	https://www.bb.org.bd/pub/research/policypaper/pp072012	https://www.bb.org.bd/pub/research/policypaper/pp072012	PROPN
cjfa-37574	209	14	.	.	PUNCT
cjfa-37574	209	15	pdf	pdf	NOUN
cjfa-37574	209	16	(	(	PUNCT
cjfa-37574	209	17	accessed	access	VERB
cjfa-37574	209	18	:	:	PUNCT
cjfa-37574	209	19	11.01.2021	11.01.2021	NUM
cjfa-37574	209	20	)	)	PUNCT
cjfa-37574	209	21	.	.	PUNCT
cjfa-37574	210	1	mohammad	mohammad	PROPN
cjfa-37574	210	2	ali	ali	PROPN
cjfa-37574	210	3	ashraf24	ashraf24	PROPN
cjfa-37574	210	4	bangladesh	bangladesh	PROPN
cjfa-37574	210	5	bank	bank	PROPN
cjfa-37574	210	6	(	(	PUNCT
cjfa-37574	210	7	2021	2021	NUM
cjfa-37574	210	8	)	)	PUNCT
cjfa-37574	210	9	.	.	PUNCT
cjfa-37574	211	1	mobile	mobile	ADJ
cjfa-37574	211	2	financial	financial	ADJ
cjfa-37574	211	3	services	service	NOUN
cjfa-37574	211	4	(	(	PUNCT
cjfa-37574	211	5	mfs	mfs	PROPN
cjfa-37574	211	6	)	)	PUNCT
cjfa-37574	211	7	comparative	comparative	ADJ
cjfa-37574	211	8	summary	summary	NOUN
cjfa-37574	211	9	statement	statement	NOUN
cjfa-37574	211	10	,	,	PUNCT
cjfa-37574	211	11	https://www.bb.org.bd/fnansys/paymentsys/mfsdata.php	https://www.bb.org.bd/fnansys/paymentsys/mfsdata.php	PROPN
cjfa-37574	211	12	(	(	PUNCT
cjfa-37574	211	13	accessed	access	VERB
cjfa-37574	211	14	:	:	PUNCT
cjfa-37574	211	15	07.01.2021	07.01.2021	NUM
cjfa-37574	211	16	)	)	PUNCT
cjfa-37574	211	17	.	.	PUNCT
cjfa-37574	212	1	business	business	NOUN
cjfa-37574	212	2	finance	finance	NOUN
cjfa-37574	212	3	for	for	ADP
cjfa-37574	212	4	the	the	DET
cjfa-37574	212	5	poor	poor	ADJ
cjfa-37574	212	6	in	in	ADP
cjfa-37574	212	7	bangladesh	bangladesh	NOUN
cjfa-37574	212	8	(	(	PUNCT
cjfa-37574	212	9	2021	2021	NUM
cjfa-37574	212	10	)	)	PUNCT
cjfa-37574	212	11	.	.	PUNCT
cjfa-37574	213	1	a	a	DET
cjfa-37574	213	2	study	study	NOUN
cjfa-37574	213	3	on	on	ADP
cjfa-37574	213	4	mobile	mobile	ADJ
cjfa-37574	213	5	financial	financial	ADJ
cjfa-37574	213	6	services	service	NOUN
cjfa-37574	213	7	for	for	ADP
cjfa-37574	213	8	mses	ms	NOUN
cjfa-37574	213	9	in	in	ADP
cjfa-37574	213	10	bangladesh	bangladesh	PROPN
cjfa-37574	213	11	:	:	PUNCT
cjfa-37574	213	12	prospects	prospect	NOUN
cjfa-37574	213	13	and	and	CCONJ
cjfa-37574	213	14	challenges	challenge	NOUN
cjfa-37574	213	15	,	,	PUNCT
cjfa-37574	213	16	https://static1.squarespace.com/	https://static1.squarespace.com/	ADJ
cjfa-37574	213	17	static/5a84894df14aa1f379d18290	static/5a84894df14aa1f379d18290	NOUN
cjfa-37574	213	18	/	/	SYM
cjfa-37574	213	19	t/5aa3f91371c10b34ddbdd701/1520695608351/	t/5aa3f91371c10b34ddbdd701/1520695608351/	NOUN
cjfa-37574	213	20	bfp	bfp	NOUN
cjfa-37574	213	21	-	-	PUNCT
cjfa-37574	213	22	b+policy+study+mobile+financial+services.pdf	b+policy+study+mobile+financial+services.pdf	NOUN
cjfa-37574	213	23	(	(	PUNCT
cjfa-37574	213	24	accessed	access	VERB
cjfa-37574	213	25	:	:	PUNCT
cjfa-37574	213	26	1.11.2021	1.11.2021	NUM
cjfa-37574	213	27	)	)	PUNCT
cjfa-37574	213	28	.	.	PUNCT
cjfa-37574	214	1	chaia	chaia	PROPN
cjfa-37574	214	2	,	,	PUNCT
cjfa-37574	214	3	a.	a.	PROPN
cjfa-37574	214	4	,	,	PUNCT
cjfa-37574	214	5	dalal	dalal	PROPN
cjfa-37574	214	6	,	,	PUNCT
cjfa-37574	214	7	a.	a.	NOUN
cjfa-37574	214	8	,	,	PUNCT
cjfa-37574	214	9	goland	goland	NOUN
cjfa-37574	214	10	,	,	PUNCT
cjfa-37574	214	11	t.	t.	PROPN
cjfa-37574	214	12	,	,	PUNCT
cjfa-37574	214	13	gonzalez	gonzalez	PROPN
cjfa-37574	214	14	,	,	PUNCT
cjfa-37574	214	15	m.j	m.j	PROPN
cjfa-37574	214	16	.	.	PROPN
cjfa-37574	214	17	,	,	PUNCT
cjfa-37574	214	18	morduch	morduch	PROPN
cjfa-37574	214	19	,	,	PUNCT
cjfa-37574	214	20	j.	j.	PROPN
cjfa-37574	214	21	,	,	PUNCT
cjfa-37574	214	22	&	&	CCONJ
cjfa-37574	214	23	schif	schif	PROPN
cjfa-37574	214	24	,	,	PUNCT
cjfa-37574	214	25	r.	r.	PROPN
cjfa-37574	214	26	(	(	PUNCT
cjfa-37574	214	27	2009	2009	NUM
cjfa-37574	214	28	)	)	PUNCT
cjfa-37574	214	29	.	.	PUNCT
cjfa-37574	215	1	half	half	DET
cjfa-37574	215	2	the	the	DET
cjfa-37574	215	3	world	world	NOUN
cjfa-37574	215	4	is	be	AUX
cjfa-37574	215	5	unbanked	unbanked	ADJ
cjfa-37574	215	6	.	.	PUNCT
cjfa-37574	216	1	new	new	PROPN
cjfa-37574	216	2	york	york	PROPN
cjfa-37574	216	3	:	:	PUNCT
cjfa-37574	216	4	financial	financial	ADJ
cjfa-37574	216	5	access	access	NOUN
cjfa-37574	216	6	initiative	initiative	NOUN
cjfa-37574	216	7	.	.	PUNCT
cjfa-37574	217	1	corr	corr	PROPN
cjfa-37574	217	2	,	,	PUNCT
cjfa-37574	217	3	c.	c.	PROPN
cjfa-37574	217	4	(	(	PUNCT
cjfa-37574	217	5	2006	2006	NUM
cjfa-37574	217	6	)	)	PUNCT
cjfa-37574	217	7	.	.	PUNCT
cjfa-37574	218	1	financial	financial	ADJ
cjfa-37574	218	2	exclusion	exclusion	NOUN
cjfa-37574	218	3	in	in	ADP
cjfa-37574	218	4	ireland	ireland	PROPN
cjfa-37574	218	5	:	:	PUNCT
cjfa-37574	218	6	an	an	DET
cjfa-37574	218	7	exploratory	exploratory	ADJ
cjfa-37574	218	8	study	study	NOUN
cjfa-37574	218	9	and	and	CCONJ
cjfa-37574	218	10	policy	policy	NOUN
cjfa-37574	218	11	review	review	NOUN
cjfa-37574	218	12	.	.	PUNCT
cjfa-37574	219	1	dublin	dublin	NOUN
cjfa-37574	219	2	:	:	PUNCT
cjfa-37574	219	3	combat	combat	NOUN
cjfa-37574	219	4	poverty	poverty	NOUN
cjfa-37574	219	5	agency	agency	NOUN
cjfa-37574	219	6	.	.	PUNCT
cjfa-37574	220	1	damodaran	damodaran	PROPN
cjfa-37574	220	2	,	,	PUNCT
cjfa-37574	220	3	a.	a.	NOUN
cjfa-37574	220	4	(	(	PUNCT
cjfa-37574	220	5	2013	2013	NUM
cjfa-37574	220	6	)	)	PUNCT
cjfa-37574	220	7	.	.	PUNCT
cjfa-37574	221	1	financial	financial	ADJ
cjfa-37574	221	2	inclusion	inclusion	NOUN
cjfa-37574	221	3	:	:	PUNCT
cjfa-37574	221	4	issues	issue	NOUN
cjfa-37574	221	5	and	and	CCONJ
cjfa-37574	221	6	challenges	challenge	NOUN
cjfa-37574	221	7	.	.	PUNCT
cjfa-37574	222	1	akgec	akgec	VERB
cjfa-37574	222	2	international	international	PROPN
cjfa-37574	222	3	journal	journal	PROPN
cjfa-37574	222	4	of	of	ADP
cjfa-37574	222	5	technology	technology	NOUN
cjfa-37574	222	6	,	,	PUNCT
cjfa-37574	222	7	4(2	4(2	NUM
cjfa-37574	222	8	)	)	PUNCT
cjfa-37574	222	9	,	,	PUNCT
cjfa-37574	222	10	54	54	NUM
cjfa-37574	222	11	-	-	SYM
cjfa-37574	222	12	59	59	NUM
cjfa-37574	222	13	.	.	PUNCT
cjfa-37574	222	14	demirguc	demirguc	PROPN
cjfa-37574	222	15	-	-	PUNCT
cjfa-37574	222	16	kunt	kunt	PROPN
cjfa-37574	222	17	,	,	PUNCT
cjfa-37574	222	18	a.	a.	PROPN
cjfa-37574	222	19	,	,	PUNCT
cjfa-37574	222	20	&	&	CCONJ
cjfa-37574	222	21	klapper	klapper	PROPN
cjfa-37574	222	22	,	,	PUNCT
cjfa-37574	222	23	l.	l.	PROPN
cjfa-37574	222	24	(	(	PUNCT
cjfa-37574	222	25	2012	2012	NUM
cjfa-37574	222	26	)	)	PUNCT
cjfa-37574	222	27	.	.	PUNCT
cjfa-37574	223	1	measuring	measure	VERB
cjfa-37574	223	2	financial	financial	ADJ
cjfa-37574	223	3	inclusion	inclusion	NOUN
cjfa-37574	223	4	:	:	PUNCT
cjfa-37574	223	5	the	the	DET
cjfa-37574	223	6	global	global	ADJ
cjfa-37574	223	7	findex	findex	PROPN
cjfa-37574	223	8	database	database	NOUN
cjfa-37574	223	9	.	.	PUNCT
cjfa-37574	224	1	world	world	PROPN
cjfa-37574	224	2	bank	bank	PROPN
cjfa-37574	224	3	policy	policy	NOUN
cjfa-37574	224	4	research	research	NOUN
cjfa-37574	224	5	working	working	NOUN
cjfa-37574	224	6	paper	paper	NOUN
cjfa-37574	224	7	,	,	PUNCT
cjfa-37574	224	8	6025	6025	NUM
cjfa-37574	224	9	,	,	PUNCT
cjfa-37574	224	10	1	1	NUM
cjfa-37574	224	11	-	-	SYM
cjfa-37574	224	12	58	58	NUM
cjfa-37574	224	13	.	.	PUNCT
cjfa-37574	225	1	dev	dev	PROPN
cjfa-37574	225	2	,	,	PUNCT
cjfa-37574	225	3	s.m	s.m	PROPN
cjfa-37574	225	4	.	.	PROPN
cjfa-37574	225	5	(	(	PUNCT
cjfa-37574	225	6	2006	2006	NUM
cjfa-37574	225	7	)	)	PUNCT
cjfa-37574	225	8	.	.	PUNCT
cjfa-37574	226	1	financial	financial	ADJ
cjfa-37574	226	2	inclusion	inclusion	NOUN
cjfa-37574	226	3	:	:	PUNCT
cjfa-37574	226	4	issues	issue	NOUN
cjfa-37574	226	5	and	and	CCONJ
cjfa-37574	226	6	challenges	challenge	NOUN
cjfa-37574	226	7	.	.	PUNCT
cjfa-37574	227	1	economic	economic	ADJ
cjfa-37574	227	2	and	and	CCONJ
cjfa-37574	227	3	political	political	ADJ
cjfa-37574	227	4	weekly	weekly	NOUN
cjfa-37574	227	5	,	,	PUNCT
cjfa-37574	227	6	41(41	41(41	PROPN
cjfa-37574	227	7	)	)	PUNCT
cjfa-37574	227	8	,	,	PUNCT
cjfa-37574	227	9	4310	4310	NUM
cjfa-37574	227	10	-	-	SYM
cjfa-37574	227	11	4313	4313	NUM
cjfa-37574	227	12	.	.	PUNCT
cjfa-37574	228	1	http://dx.doi.org/10.2307/4418799	http://dx.doi.org/10.2307/4418799	PROPN
cjfa-37574	228	2	.	.	PUNCT
cjfa-37574	229	1	devlin	devlin	PROPN
cjfa-37574	229	2	,	,	PUNCT
cjfa-37574	229	3	j.f	j.f	PROPN
cjfa-37574	229	4	.	.	PROPN
cjfa-37574	229	5	(	(	PUNCT
cjfa-37574	229	6	2005	2005	NUM
cjfa-37574	229	7	)	)	PUNCT
cjfa-37574	229	8	.	.	PUNCT
cjfa-37574	230	1	a	a	DET
cjfa-37574	230	2	detailed	detailed	ADJ
cjfa-37574	230	3	study	study	NOUN
cjfa-37574	230	4	of	of	ADP
cjfa-37574	230	5	financial	financial	ADJ
cjfa-37574	230	6	exclusion	exclusion	NOUN
cjfa-37574	230	7	in	in	ADP
cjfa-37574	230	8	the	the	DET
cjfa-37574	230	9	uk	uk	PROPN
cjfa-37574	230	10	.	.	PROPN
cjfa-37574	230	11	journal	journal	PROPN
cjfa-37574	230	12	of	of	ADP
cjfa-37574	230	13	consumer	consumer	NOUN
cjfa-37574	230	14	policy	policy	NOUN
cjfa-37574	230	15	,	,	PUNCT
cjfa-37574	230	16	28(1	28(1	NOUN
cjfa-37574	230	17	)	)	PUNCT
cjfa-37574	230	18	,	,	PUNCT
cjfa-37574	230	19	75	75	NUM
cjfa-37574	230	20	-	-	SYM
cjfa-37574	230	21	108	108	NUM
cjfa-37574	230	22	.	.	PUNCT
cjfa-37574	231	1	http://dx.doi.org/10.1007/s10603-004-7313-y	http://dx.doi.org/10.1007/s10603-004-7313-y	NOUN
cjfa-37574	231	2	.	.	PUNCT
cjfa-37574	232	1	duncombe	duncombe	NOUN
cjfa-37574	232	2	,	,	PUNCT
cjfa-37574	232	3	r.	r.	PROPN
cjfa-37574	232	4	,	,	PUNCT
cjfa-37574	232	5	&	&	CCONJ
cjfa-37574	232	6	boateng	boateng	PROPN
cjfa-37574	232	7	,	,	PUNCT
cjfa-37574	232	8	r.	r.	PROPN
cjfa-37574	232	9	(	(	PUNCT
cjfa-37574	232	10	2009	2009	NUM
cjfa-37574	232	11	)	)	PUNCT
cjfa-37574	232	12	.	.	PUNCT
cjfa-37574	233	1	mobile	mobile	ADJ
cjfa-37574	233	2	phones	phone	NOUN
cjfa-37574	233	3	and	and	CCONJ
cjfa-37574	233	4	financial	financial	ADJ
cjfa-37574	233	5	services	service	NOUN
cjfa-37574	233	6	in	in	ADP
cjfa-37574	233	7	developing	develop	VERB
cjfa-37574	233	8	countries	country	NOUN
cjfa-37574	233	9	:	:	PUNCT
cjfa-37574	233	10	a	a	DET
cjfa-37574	233	11	review	review	NOUN
cjfa-37574	233	12	of	of	ADP
cjfa-37574	233	13	concepts	concept	NOUN
cjfa-37574	233	14	,	,	PUNCT
cjfa-37574	233	15	methods	method	NOUN
cjfa-37574	233	16	,	,	PUNCT
cjfa-37574	233	17	issues	issue	NOUN
cjfa-37574	233	18	,	,	PUNCT
cjfa-37574	233	19	evidence	evidence	NOUN
cjfa-37574	233	20	and	and	CCONJ
cjfa-37574	233	21	future	future	ADJ
cjfa-37574	233	22	research	research	NOUN
cjfa-37574	233	23	directions	direction	NOUN
cjfa-37574	233	24	.	.	PUNCT
cjfa-37574	234	1	third	third	ADJ
cjfa-37574	234	2	world	world	NOUN
cjfa-37574	234	3	quarterly	quarterly	ADV
cjfa-37574	234	4	,	,	PUNCT
cjfa-37574	234	5	30(7	30(7	NUM
cjfa-37574	234	6	)	)	PUNCT
cjfa-37574	234	7	,	,	PUNCT
cjfa-37574	234	8	1237	1237	NUM
cjfa-37574	234	9	-	-	SYM
cjfa-37574	234	10	1258	1258	NUM
cjfa-37574	234	11	.	.	PUNCT
cjfa-37574	235	1	http://dx.doi	http://dx.doi	NOUN
cjfa-37574	235	2	.	.	PUNCT
cjfa-37574	235	3	org/10.1080/01436590903134882	org/10.1080/01436590903134882	PROPN
cjfa-37574	235	4	.	.	PUNCT
cjfa-37574	235	5	frame	frame	PROPN
cjfa-37574	235	6	,	,	PUNCT
cjfa-37574	235	7	w.s	w.s	PROPN
cjfa-37574	235	8	.	.	PROPN
cjfa-37574	235	9	,	,	PUNCT
cjfa-37574	235	10	&	&	CCONJ
cjfa-37574	235	11	white	white	PROPN
cjfa-37574	235	12	,	,	PUNCT
cjfa-37574	235	13	l.j	l.j	PROPN
cjfa-37574	235	14	.	.	PROPN
cjfa-37574	235	15	(	(	PUNCT
cjfa-37574	235	16	2004	2004	NUM
cjfa-37574	235	17	)	)	PUNCT
cjfa-37574	235	18	.	.	PUNCT
cjfa-37574	236	1	empirical	empirical	ADJ
cjfa-37574	236	2	studies	study	NOUN
cjfa-37574	236	3	of	of	ADP
cjfa-37574	236	4	financial	financial	ADJ
cjfa-37574	236	5	innovation	innovation	NOUN
cjfa-37574	236	6	:	:	PUNCT
cjfa-37574	236	7	lots	lot	NOUN
cjfa-37574	236	8	of	of	ADP
cjfa-37574	236	9	talk	talk	NOUN
cjfa-37574	236	10	,	,	PUNCT
cjfa-37574	236	11	little	little	ADJ
cjfa-37574	236	12	action	action	NOUN
cjfa-37574	236	13	?	?	PUNCT
cjfa-37574	237	1	journal	journal	NOUN
cjfa-37574	237	2	of	of	ADP
cjfa-37574	237	3	economic	economic	ADJ
cjfa-37574	237	4	literature	literature	NOUN
cjfa-37574	237	5	,	,	PUNCT
cjfa-37574	237	6	42(1	42(1	NOUN
cjfa-37574	237	7	)	)	PUNCT
cjfa-37574	237	8	,	,	PUNCT
cjfa-37574	237	9	116	116	NUM
cjfa-37574	237	10	-	-	SYM
cjfa-37574	237	11	144	144	NUM
cjfa-37574	237	12	.	.	PUNCT
cjfa-37574	238	1	http://dx.doi	http://dx.doi	PROPN
cjfa-37574	238	2	.	.	PUNCT
cjfa-37574	239	1	org/10.1257/002205104773558065	org/10.1257/002205104773558065	PROPN
cjfa-37574	239	2	.	.	PUNCT
cjfa-37574	240	1	granger	granger	PROPN
cjfa-37574	240	2	,	,	PUNCT
cjfa-37574	240	3	c.	c.	PROPN
cjfa-37574	240	4	(	(	PUNCT
cjfa-37574	240	5	1969	1969	NUM
cjfa-37574	240	6	)	)	PUNCT
cjfa-37574	240	7	.	.	PUNCT
cjfa-37574	241	1	investigating	investigate	VERB
cjfa-37574	241	2	causal	causal	ADJ
cjfa-37574	241	3	relations	relation	NOUN
cjfa-37574	241	4	by	by	ADP
cjfa-37574	241	5	econometric	econometric	ADJ
cjfa-37574	241	6	models	model	NOUN
cjfa-37574	241	7	and	and	CCONJ
cjfa-37574	241	8	cross	cross	ADJ
cjfa-37574	241	9	-	-	ADJ
cjfa-37574	241	10	spectral	spectral	ADJ
cjfa-37574	241	11	methods	method	NOUN
cjfa-37574	241	12	.	.	PUNCT
cjfa-37574	242	1	econometrica	econometrica	PROPN
cjfa-37574	242	2	,	,	PUNCT
cjfa-37574	242	3	37(3	37(3	NUM
cjfa-37574	242	4	)	)	PUNCT
cjfa-37574	242	5	,	,	PUNCT
cjfa-37574	242	6	424	424	NUM
cjfa-37574	242	7	-	-	SYM
cjfa-37574	242	8	438	438	NUM
cjfa-37574	242	9	.	.	PUNCT
cjfa-37574	243	1	http://dx.doi.org/10.2307/1912791	http://dx.doi.org/10.2307/1912791	PROPN
cjfa-37574	243	2	.	.	PUNCT
cjfa-37574	244	1	horne	horne	PROPN
cjfa-37574	244	2	,	,	PUNCT
cjfa-37574	244	3	j.c	j.c	PROPN
cjfa-37574	244	4	.	.	PROPN
cjfa-37574	244	5	(	(	PUNCT
cjfa-37574	244	6	1985	1985	NUM
cjfa-37574	244	7	)	)	PUNCT
cjfa-37574	244	8	.	.	PUNCT
cjfa-37574	245	1	of	of	ADP
cjfa-37574	245	2	financial	financial	ADJ
cjfa-37574	245	3	innovations	innovation	NOUN
cjfa-37574	245	4	and	and	CCONJ
cjfa-37574	245	5	excesses	excess	NOUN
cjfa-37574	245	6	.	.	PUNCT
cjfa-37574	246	1	the	the	DET
cjfa-37574	246	2	journal	journal	NOUN
cjfa-37574	246	3	of	of	ADP
cjfa-37574	246	4	finance	finance	NOUN
cjfa-37574	246	5	,	,	PUNCT
cjfa-37574	246	6	40(3	40(3	NUM
cjfa-37574	246	7	)	)	PUNCT
cjfa-37574	246	8	,	,	PUNCT
cjfa-37574	246	9	620	620	NUM
cjfa-37574	246	10	-	-	SYM
cjfa-37574	246	11	631	631	NUM
cjfa-37574	246	12	.	.	PUNCT
cjfa-37574	247	1	http://dx.doi.org/10.1111/j.1540-6261.1985.tb04984.x	http://dx.doi.org/10.1111/j.1540-6261.1985.tb04984.x	X
cjfa-37574	247	2	.	.	PUNCT
cjfa-37574	248	1	iqbal	iqbal	PROPN
cjfa-37574	248	2	,	,	PUNCT
cjfa-37574	248	3	b.a	b.a	PROPN
cjfa-37574	248	4	.	.	PROPN
cjfa-37574	248	5	,	,	PUNCT
cjfa-37574	248	6	&	&	CCONJ
cjfa-37574	248	7	sami	sami	PROPN
cjfa-37574	248	8	,	,	PUNCT
cjfa-37574	248	9	s.	s.	PROPN
cjfa-37574	248	10	(	(	PUNCT
cjfa-37574	248	11	2017	2017	NUM
cjfa-37574	248	12	)	)	PUNCT
cjfa-37574	248	13	.	.	PUNCT
cjfa-37574	249	1	role	role	NOUN
cjfa-37574	249	2	of	of	ADP
cjfa-37574	249	3	banks	bank	NOUN
cjfa-37574	249	4	in	in	ADP
cjfa-37574	249	5	financial	financial	ADJ
cjfa-37574	249	6	inclusion	inclusion	NOUN
cjfa-37574	249	7	in	in	ADP
cjfa-37574	249	8	india	india	PROPN
cjfa-37574	249	9	.	.	PUNCT
cjfa-37574	250	1	contaduría	contaduría	VERB
cjfa-37574	250	2	y	y	PROPN
cjfa-37574	250	3	administración	administración	PROPN
cjfa-37574	250	4	,	,	PUNCT
cjfa-37574	250	5	62(2	62(2	NUM
cjfa-37574	250	6	)	)	PUNCT
cjfa-37574	250	7	,	,	PUNCT
cjfa-37574	250	8	644	644	NUM
cjfa-37574	250	9	-	-	SYM
cjfa-37574	250	10	656	656	NUM
cjfa-37574	250	11	.	.	PUNCT
cjfa-37574	251	1	http://dx.doi.org/10.1016/j.cya.2017.01.007	http://dx.doi.org/10.1016/j.cya.2017.01.007	PROPN
cjfa-37574	251	2	.	.	PUNCT
cjfa-37574	252	1	islam	islam	PROPN
cjfa-37574	252	2	,	,	PUNCT
cjfa-37574	252	3	m.t	m.t	PROPN
cjfa-37574	252	4	.	.	PROPN
cjfa-37574	252	5	,	,	PUNCT
cjfa-37574	252	6	talukder	talukder	NOUN
cjfa-37574	252	7	,	,	PUNCT
cjfa-37574	252	8	a.k	a.k	PROPN
cjfa-37574	252	9	.	.	PROPN
cjfa-37574	252	10	,	,	PUNCT
cjfa-37574	252	11	siddiqui	siddiqui	PROPN
cjfa-37574	252	12	,	,	PUNCT
cjfa-37574	252	13	m.n	m.n	PROPN
cjfa-37574	252	14	.	.	PROPN
cjfa-37574	252	15	,	,	PUNCT
cjfa-37574	252	16	&	&	CCONJ
cjfa-37574	252	17	islam	islam	PROPN
cjfa-37574	252	18	,	,	PUNCT
cjfa-37574	252	19	t.	t.	PROPN
cjfa-37574	252	20	(	(	PUNCT
cjfa-37574	252	21	2020	2020	NUM
cjfa-37574	252	22	)	)	PUNCT
cjfa-37574	252	23	.	.	PUNCT
cjfa-37574	253	1	tackling	tackle	VERB
cjfa-37574	253	2	the	the	DET
cjfa-37574	253	3	covid-19	covid-19	PROPN
cjfa-37574	253	4	pandemic	pandemic	NOUN
cjfa-37574	253	5	:	:	PUNCT
cjfa-37574	253	6	the	the	DET
cjfa-37574	253	7	bangladesh	bangladesh	PROPN
cjfa-37574	253	8	perspective	perspective	NOUN
cjfa-37574	253	9	.	.	PUNCT
cjfa-37574	254	1	journal	journal	NOUN
cjfa-37574	254	2	of	of	ADP
cjfa-37574	254	3	public	public	ADJ
cjfa-37574	254	4	health	health	NOUN
cjfa-37574	254	5	research	research	NOUN
cjfa-37574	254	6	,	,	PUNCT
cjfa-37574	254	7	9(4	9(4	NUM
cjfa-37574	254	8	)	)	PUNCT
cjfa-37574	254	9	,	,	PUNCT
cjfa-37574	254	10	389	389	NUM
cjfa-37574	254	11	-	-	SYM
cjfa-37574	254	12	397	397	NUM
cjfa-37574	254	13	.	.	PUNCT
cjfa-37574	255	1	http://dx.doi.org/10.4081/jphr.2020.1794	http://dx.doi.org/10.4081/jphr.2020.1794	PROPN
cjfa-37574	255	2	.	.	PUNCT
cjfa-37574	256	1	johansen	johansen	PROPN
cjfa-37574	256	2	,	,	PUNCT
cjfa-37574	256	3	s.	s.	PROPN
cjfa-37574	256	4	(	(	PUNCT
cjfa-37574	256	5	1988	1988	NUM
cjfa-37574	256	6	)	)	PUNCT
cjfa-37574	256	7	.	.	PUNCT
cjfa-37574	257	1	statistical	statistical	ADJ
cjfa-37574	257	2	analysis	analysis	NOUN
cjfa-37574	257	3	of	of	ADP
cjfa-37574	257	4	cointegration	cointegration	NOUN
cjfa-37574	257	5	vectors	vector	NOUN
cjfa-37574	257	6	.	.	PUNCT
cjfa-37574	258	1	journal	journal	NOUN
cjfa-37574	258	2	of	of	ADP
cjfa-37574	258	3	economic	economic	ADJ
cjfa-37574	258	4	dynamics	dynamic	NOUN
cjfa-37574	258	5	and	and	CCONJ
cjfa-37574	258	6	control	control	NOUN
cjfa-37574	258	7	,	,	PUNCT
cjfa-37574	258	8	12(2	12(2	PROPN
cjfa-37574	258	9	-	-	PUNCT
cjfa-37574	258	10	3	3	NUM
cjfa-37574	258	11	)	)	PUNCT
cjfa-37574	258	12	,	,	PUNCT
cjfa-37574	258	13	231	231	NUM
cjfa-37574	258	14	-	-	SYM
cjfa-37574	258	15	254	254	NUM
cjfa-37574	258	16	.	.	PUNCT
cjfa-37574	259	1	http://dx.doi.org/10.1016/01651889(88)90041-3	http://dx.doi.org/10.1016/01651889(88)90041-3	PROPN
cjfa-37574	259	2	.	.	PUNCT
cjfa-37574	259	3	kabir	kabir	PROPN
cjfa-37574	259	4	,	,	PUNCT
cjfa-37574	259	5	m.h	m.h	PROPN
cjfa-37574	259	6	.	.	PROPN
cjfa-37574	259	7	,	,	PUNCT
cjfa-37574	259	8	sadrul	sadrul	PROPN
cjfa-37574	259	9	huda	huda	PROPN
cjfa-37574	259	10	,	,	PUNCT
cjfa-37574	259	11	s.	s.	PROPN
cjfa-37574	259	12	,	,	PUNCT
cjfa-37574	259	13	&	&	CCONJ
cjfa-37574	259	14	faruq	faruq	PROPN
cjfa-37574	259	15	,	,	PUNCT
cjfa-37574	259	16	o.	o.	PROPN
cjfa-37574	259	17	(	(	PUNCT
cjfa-37574	259	18	2020	2020	NUM
cjfa-37574	259	19	)	)	PUNCT
cjfa-37574	259	20	.	.	PUNCT
cjfa-37574	260	1	mobile	mobile	ADJ
cjfa-37574	260	2	financial	financial	ADJ
cjfa-37574	260	3	services	service	NOUN
cjfa-37574	260	4	in	in	ADP
cjfa-37574	260	5	the	the	DET
cjfa-37574	260	6	context	context	NOUN
cjfa-37574	260	7	of	of	ADP
cjfa-37574	260	8	bangladesh	bangladesh	PROPN
cjfa-37574	260	9	.	.	PUNCT
cjfa-37574	261	1	copernican	copernican	PROPN
cjfa-37574	261	2	journal	journal	PROPN
cjfa-37574	261	3	of	of	ADP
cjfa-37574	261	4	finance	finance	PROPN
cjfa-37574	261	5	&	&	CCONJ
cjfa-37574	261	6	accounting	accounting	PROPN
cjfa-37574	261	7	,	,	PUNCT
cjfa-37574	261	8	9(3	9(3	NUM
cjfa-37574	261	9	)	)	PUNCT
cjfa-37574	261	10	,	,	PUNCT
cjfa-37574	261	11	83	83	NUM
cjfa-37574	261	12	-	-	SYM
cjfa-37574	261	13	98	98	NUM
cjfa-37574	261	14	.	.	PUNCT
cjfa-37574	262	1	http://	http://	PROPN
cjfa-37574	262	2	dx.doi.org/10.12775/cjfa.2020.013	dx.doi.org/10.12775/cjfa.2020.013	PROPN
cjfa-37574	262	3	.	.	PUNCT
cjfa-37574	263	1	kanobe	kanobe	PROPN
cjfa-37574	263	2	,	,	PUNCT
cjfa-37574	263	3	f.	f.	PROPN
cjfa-37574	263	4	,	,	PUNCT
cjfa-37574	263	5	alexander	alexander	PROPN
cjfa-37574	263	6	,	,	PUNCT
cjfa-37574	263	7	p.m.	p.m.	NOUN
cjfa-37574	263	8	,	,	PUNCT
cjfa-37574	263	9	&	&	CCONJ
cjfa-37574	263	10	bwalya	bwalya	PROPN
cjfa-37574	263	11	,	,	PUNCT
cjfa-37574	263	12	k.j	k.j	PROPN
cjfa-37574	263	13	.	.	PROPN
cjfa-37574	263	14	(	(	PUNCT
cjfa-37574	263	15	2017	2017	NUM
cjfa-37574	263	16	)	)	PUNCT
cjfa-37574	263	17	.	.	PUNCT
cjfa-37574	264	1	policies	policy	NOUN
cjfa-37574	264	2	,	,	PUNCT
cjfa-37574	264	3	regulations	regulation	NOUN
cjfa-37574	264	4	and	and	CCONJ
cjfa-37574	264	5	procedures	procedure	NOUN
cjfa-37574	264	6	and	and	CCONJ
cjfa-37574	264	7	their	their	PRON
cjfa-37574	264	8	effects	effect	NOUN
cjfa-37574	264	9	on	on	ADP
cjfa-37574	264	10	mobile	mobile	ADJ
cjfa-37574	264	11	money	money	NOUN
cjfa-37574	264	12	systems	system	NOUN
cjfa-37574	264	13	in	in	ADP
cjfa-37574	264	14	uganda	uganda	PROPN
cjfa-37574	264	15	.	.	PUNCT
cjfa-37574	265	1	the	the	DET
cjfa-37574	265	2	elec	elec	PROPN
cjfa-37574	265	3	-	-	PUNCT
cjfa-37574	265	4	tronic	tronic	ADJ
cjfa-37574	265	5	jour	jour	X
cjfa-37574	265	6	the	the	DET
cjfa-37574	265	7	impact	impact	NOUN
cjfa-37574	265	8	of	of	ADP
cjfa-37574	265	9	mobile	mobile	ADJ
cjfa-37574	265	10	financial	financial	ADJ
cjfa-37574	265	11	services	service	NOUN
cjfa-37574	265	12	…	…	PUNCT
cjfa-37574	265	13	25	25	NUM
cjfa-37574	265	14	nal	nal	NOUN
cjfa-37574	265	15	of	of	ADP
cjfa-37574	265	16	information	information	NOUN
cjfa-37574	265	17	systems	system	NOUN
cjfa-37574	265	18	in	in	ADP
cjfa-37574	265	19	developing	develop	VERB
cjfa-37574	265	20	countries	country	NOUN
cjfa-37574	265	21	,	,	PUNCT
cjfa-37574	265	22	83(1	83(1	PROPN
cjfa-37574	265	23	)	)	PUNCT
cjfa-37574	265	24	,	,	PUNCT
cjfa-37574	265	25	1	1	NUM
cjfa-37574	265	26	-	-	SYM
cjfa-37574	265	27	15	15	NUM
cjfa-37574	265	28	.	.	PUNCT
cjfa-37574	266	1	http://dx.doi	http://dx.doi	NOUN
cjfa-37574	266	2	.	.	PUNCT
cjfa-37574	267	1	org/10.1002	org/10.1002	PROPN
cjfa-37574	267	2	/	/	SYM
cjfa-37574	267	3	j.1681	j.1681	NOUN
cjfa-37574	267	4	-	-	PUNCT
cjfa-37574	267	5	4835.2017.tb00615.x	4835.2017.tb00615.x	NOUN
cjfa-37574	267	6	.	.	PUNCT
cjfa-37574	268	1	kim	kim	PROPN
cjfa-37574	268	2	,	,	PUNCT
cjfa-37574	268	3	d.-w	d.-w	PROPN
cjfa-37574	268	4	.	.	PROPN
cjfa-37574	268	5	,	,	PUNCT
cjfa-37574	268	6	yu	yu	PROPN
cjfa-37574	268	7	,	,	PUNCT
cjfa-37574	268	8	j.-s	j.-s	PROPN
cjfa-37574	268	9	.	.	PUNCT
cjfa-37574	268	10	,	,	PUNCT
cjfa-37574	268	11	&	&	CCONJ
cjfa-37574	268	12	hasan	hasan	PROPN
cjfa-37574	268	13	,	,	PUNCT
cjfa-37574	268	14	m.k	m.k	PROPN
cjfa-37574	268	15	.	.	PUNCT
cjfa-37574	268	16	(	(	PUNCT
cjfa-37574	268	17	2018	2018	NUM
cjfa-37574	268	18	)	)	PUNCT
cjfa-37574	268	19	.	.	PUNCT
cjfa-37574	269	1	financial	financial	ADJ
cjfa-37574	269	2	inclusion	inclusion	NOUN
cjfa-37574	269	3	and	and	CCONJ
cjfa-37574	269	4	economic	economic	ADJ
cjfa-37574	269	5	growth	growth	NOUN
cjfa-37574	269	6	in	in	ADP
cjfa-37574	269	7	oic	oic	PROPN
cjfa-37574	269	8	countries	country	NOUN
cjfa-37574	269	9	.	.	PUNCT
cjfa-37574	270	1	research	research	NOUN
cjfa-37574	270	2	in	in	ADP
cjfa-37574	270	3	international	international	ADJ
cjfa-37574	270	4	business	business	NOUN
cjfa-37574	270	5	and	and	CCONJ
cjfa-37574	270	6	finance	finance	NOUN
cjfa-37574	270	7	,	,	PUNCT
cjfa-37574	270	8	43	43	NUM
cjfa-37574	270	9	,	,	PUNCT
cjfa-37574	270	10	1	1	NUM
cjfa-37574	270	11	-	-	SYM
cjfa-37574	270	12	14	14	NUM
cjfa-37574	270	13	.	.	PUNCT
cjfa-37574	271	1	http://dx.doi	http://dx.doi	NOUN
cjfa-37574	271	2	.	.	PUNCT
cjfa-37574	272	1	org/10.1016	org/10.1016	PROPN
cjfa-37574	272	2	/	/	SYM
cjfa-37574	272	3	j.ribaf.2017.07.178	j.ribaf.2017.07.178	PROPN
cjfa-37574	272	4	.	.	PUNCT
cjfa-37574	273	1	kim	kim	PROPN
cjfa-37574	273	2	,	,	PUNCT
cjfa-37574	273	3	m.	m.	NOUN
cjfa-37574	273	4	,	,	PUNCT
cjfa-37574	273	5	zoo	zoo	PROPN
cjfa-37574	273	6	,	,	PUNCT
cjfa-37574	273	7	h.	h.	PROPN
cjfa-37574	273	8	,	,	PUNCT
cjfa-37574	273	9	lee	lee	PROPN
cjfa-37574	273	10	,	,	PUNCT
cjfa-37574	273	11	h.	h.	PROPN
cjfa-37574	273	12	,	,	PUNCT
cjfa-37574	273	13	&	&	CCONJ
cjfa-37574	273	14	kang	kang	PROPN
cjfa-37574	273	15	,	,	PUNCT
cjfa-37574	273	16	j.	j.	PROPN
cjfa-37574	273	17	(	(	PUNCT
cjfa-37574	273	18	2018	2018	NUM
cjfa-37574	273	19	)	)	PUNCT
cjfa-37574	273	20	.	.	PUNCT
cjfa-37574	274	1	mobile	mobile	ADJ
cjfa-37574	274	2	financial	financial	ADJ
cjfa-37574	274	3	services	service	NOUN
cjfa-37574	274	4	,	,	PUNCT
cjfa-37574	274	5	financial	financial	ADJ
cjfa-37574	274	6	inclusion	inclusion	NOUN
cjfa-37574	274	7	,	,	PUNCT
cjfa-37574	274	8	and	and	CCONJ
cjfa-37574	274	9	development	development	NOUN
cjfa-37574	274	10	:	:	PUNCT
cjfa-37574	274	11	a	a	DET
cjfa-37574	274	12	systematic	systematic	ADJ
cjfa-37574	274	13	review	review	NOUN
cjfa-37574	274	14	of	of	ADP
cjfa-37574	274	15	academic	academic	ADJ
cjfa-37574	274	16	literature	literature	NOUN
cjfa-37574	274	17	.	.	PUNCT
cjfa-37574	275	1	the	the	DET
cjfa-37574	275	2	electronic	electronic	ADJ
cjfa-37574	275	3	journal	journal	NOUN
cjfa-37574	275	4	of	of	ADP
cjfa-37574	275	5	information	information	NOUN
cjfa-37574	275	6	systems	system	NOUN
cjfa-37574	275	7	in	in	ADP
cjfa-37574	275	8	developing	develop	VERB
cjfa-37574	275	9	countries	country	NOUN
cjfa-37574	275	10	,	,	PUNCT
cjfa-37574	275	11	84(5	84(5	NOUN
cjfa-37574	275	12	)	)	PUNCT
cjfa-37574	275	13	,	,	PUNCT
cjfa-37574	275	14	1	1	NUM
cjfa-37574	275	15	-	-	SYM
cjfa-37574	275	16	17	17	NUM
cjfa-37574	275	17	.	.	PUNCT
cjfa-37574	275	18	http://dx.doi	http://dx.doi	NOUN
cjfa-37574	275	19	.	.	PUNCT
cjfa-37574	276	1	org/10.1002	org/10.1002	PROPN
cjfa-37574	276	2	/	/	SYM
cjfa-37574	276	3	isd2.12044	isd2.12044	PROPN
cjfa-37574	276	4	.	.	PUNCT
cjfa-37574	276	5	mbogo	mbogo	PROPN
cjfa-37574	276	6	,	,	PUNCT
cjfa-37574	276	7	m.	m.	NOUN
cjfa-37574	276	8	(	(	PUNCT
cjfa-37574	276	9	2010	2010	NUM
cjfa-37574	276	10	)	)	PUNCT
cjfa-37574	276	11	.	.	PUNCT
cjfa-37574	277	1	the	the	DET
cjfa-37574	277	2	impact	impact	NOUN
cjfa-37574	277	3	of	of	ADP
cjfa-37574	277	4	mobile	mobile	ADJ
cjfa-37574	277	5	payments	payment	NOUN
cjfa-37574	277	6	on	on	ADP
cjfa-37574	277	7	the	the	DET
cjfa-37574	277	8	success	success	NOUN
cjfa-37574	277	9	and	and	CCONJ
cjfa-37574	277	10	growth	growth	NOUN
cjfa-37574	277	11	of	of	ADP
cjfa-37574	277	12	microbusiness	microbusiness	NOUN
cjfa-37574	277	13	:	:	PUNCT
cjfa-37574	277	14	the	the	DET
cjfa-37574	277	15	case	case	NOUN
cjfa-37574	277	16	of	of	ADP
cjfa-37574	277	17	m	m	PROPN
cjfa-37574	277	18	-	-	PROPN
cjfa-37574	277	19	pesa	pesa	PROPN
cjfa-37574	277	20	in	in	ADP
cjfa-37574	277	21	kenya	kenya	PROPN
cjfa-37574	277	22	.	.	PUNCT
cjfa-37574	278	1	journal	journal	PROPN
cjfa-37574	278	2	of	of	ADP
cjfa-37574	278	3	language	language	NOUN
cjfa-37574	278	4	,	,	PUNCT
cjfa-37574	278	5	technology	technology	NOUN
cjfa-37574	278	6	&	&	CCONJ
cjfa-37574	278	7	entrepreneurship	entrepreneurship	NOUN
cjfa-37574	278	8	in	in	ADP
cjfa-37574	278	9	africa	africa	PROPN
cjfa-37574	278	10	,	,	PUNCT
cjfa-37574	278	11	2(1	2(1	NUM
cjfa-37574	278	12	)	)	PUNCT
cjfa-37574	278	13	,	,	PUNCT
cjfa-37574	278	14	182	182	NUM
cjfa-37574	278	15	-	-	SYM
cjfa-37574	278	16	203	203	NUM
cjfa-37574	278	17	.	.	PUNCT
cjfa-37574	279	1	http://dx.doi.org/10.1057/9781137574633_6	http://dx.doi.org/10.1057/9781137574633_6	NOUN
cjfa-37574	279	2	.	.	PUNCT
cjfa-37574	279	3	ozili	ozili	PROPN
cjfa-37574	279	4	,	,	PUNCT
cjfa-37574	279	5	p.k	p.k	PROPN
cjfa-37574	279	6	.	.	PROPN
cjfa-37574	279	7	(	(	PUNCT
cjfa-37574	279	8	2018	2018	NUM
cjfa-37574	279	9	)	)	PUNCT
cjfa-37574	279	10	.	.	PUNCT
cjfa-37574	280	1	impact	impact	NOUN
cjfa-37574	280	2	of	of	ADP
cjfa-37574	280	3	digital	digital	ADJ
cjfa-37574	280	4	finance	finance	NOUN
cjfa-37574	280	5	on	on	ADP
cjfa-37574	280	6	financial	financial	ADJ
cjfa-37574	280	7	inclusion	inclusion	NOUN
cjfa-37574	280	8	and	and	CCONJ
cjfa-37574	280	9	stability	stability	NOUN
cjfa-37574	280	10	.	.	PUNCT
cjfa-37574	281	1	borsa	borsa	PROPN
cjfa-37574	281	2	istanbul	istanbul	PROPN
cjfa-37574	281	3	review	review	PROPN
cjfa-37574	281	4	,	,	PUNCT
cjfa-37574	281	5	18(4	18(4	NUM
cjfa-37574	281	6	)	)	PUNCT
cjfa-37574	281	7	,	,	PUNCT
cjfa-37574	281	8	329	329	NUM
cjfa-37574	281	9	-	-	SYM
cjfa-37574	281	10	340	340	NUM
cjfa-37574	281	11	.	.	PUNCT
cjfa-37574	282	1	http://dx.doi.org/10.2478/fiqf-2020-0023	http://dx.doi.org/10.2478/fiqf-2020-0023	NOUN
cjfa-37574	282	2	.	.	PUNCT
cjfa-37574	283	1	pearce	pearce	PROPN
cjfa-37574	283	2	,	,	PUNCT
cjfa-37574	283	3	d.	d.	PROPN
cjfa-37574	283	4	,	,	PUNCT
cjfa-37574	283	5	&	&	CCONJ
cjfa-37574	283	6	ortega	ortega	PROPN
cjfa-37574	283	7	,	,	PUNCT
cjfa-37574	283	8	c.r	c.r	PROPN
cjfa-37574	283	9	.	.	PROPN
cjfa-37574	283	10	(	(	PUNCT
cjfa-37574	283	11	2012	2012	NUM
cjfa-37574	283	12	)	)	PUNCT
cjfa-37574	283	13	.	.	PUNCT
cjfa-37574	284	1	financial	financial	ADJ
cjfa-37574	284	2	inclusion	inclusion	NOUN
cjfa-37574	284	3	strategies	strategy	NOUN
cjfa-37574	284	4	reference	reference	NOUN
cjfa-37574	284	5	framework	framework	NOUN
cjfa-37574	284	6	:	:	PUNCT
cjfa-37574	284	7	world	world	PROPN
cjfa-37574	284	8	bank	bank	PROPN
cjfa-37574	284	9	,	,	PUNCT
cjfa-37574	284	10	https://documents1.worldbank.org/curated/en/801151468152092070	https://documents1.worldbank.org/curated/en/801151468152092070	PROPN
cjfa-37574	284	11	/pdf/787610wp0p144500use0only0900a9rd899.pdf	/pdf/787610wp0p144500use0only0900a9rd899.pdf	NOUN
cjfa-37574	284	12	(	(	PUNCT
cjfa-37574	284	13	accessed	access	VERB
cjfa-37574	284	14	:	:	PUNCT
cjfa-37574	284	15	02.11.2020	02.11.2020	NUM
cjfa-37574	284	16	)	)	PUNCT
cjfa-37574	284	17	.	.	PUNCT
cjfa-37574	285	1	porteous	porteous	NOUN
cjfa-37574	285	2	,	,	PUNCT
cjfa-37574	285	3	d.	d.	PROPN
cjfa-37574	285	4	(	(	PUNCT
cjfa-37574	285	5	2006	2006	NUM
cjfa-37574	285	6	)	)	PUNCT
cjfa-37574	285	7	.	.	PUNCT
cjfa-37574	286	1	the	the	DET
cjfa-37574	286	2	enabling	enable	VERB
cjfa-37574	286	3	environment	environment	NOUN
cjfa-37574	286	4	for	for	ADP
cjfa-37574	286	5	mobile	mobile	ADJ
cjfa-37574	286	6	banking	banking	NOUN
cjfa-37574	286	7	in	in	ADP
cjfa-37574	286	8	africa	africa	PROPN
cjfa-37574	286	9	.	.	PUNCT
cjfa-37574	287	1	london	london	PROPN
cjfa-37574	287	2	:	:	PUNCT
cjfa-37574	287	3	department	department	NOUN
cjfa-37574	287	4	for	for	ADP
cjfa-37574	287	5	international	international	ADJ
cjfa-37574	287	6	development	development	NOUN
cjfa-37574	287	7	.	.	PUNCT
cjfa-37574	288	1	sarma	sarma	PROPN
cjfa-37574	288	2	,	,	PUNCT
cjfa-37574	288	3	m.	m.	NOUN
cjfa-37574	288	4	(	(	PUNCT
cjfa-37574	288	5	2008	2008	NUM
cjfa-37574	288	6	)	)	PUNCT
cjfa-37574	288	7	.	.	PUNCT
cjfa-37574	289	1	index	index	NOUN
cjfa-37574	289	2	of	of	ADP
cjfa-37574	289	3	financial	financial	ADJ
cjfa-37574	289	4	inclusion	inclusion	NOUN
cjfa-37574	289	5	.	.	PUNCT
cjfa-37574	290	1	icrier	icrier	VERB
cjfa-37574	290	2	working	working	NOUN
cjfa-37574	290	3	paper	paper	NOUN
cjfa-37574	290	4	,	,	PUNCT
cjfa-37574	290	5	215	215	NUM
cjfa-37574	290	6	,	,	PUNCT
cjfa-37574	290	7	1	1	NUM
cjfa-37574	290	8	-	-	SYM
cjfa-37574	290	9	26	26	NUM
cjfa-37574	290	10	.	.	PUNCT
cjfa-37574	291	1	sarma	sarma	NOUN
cjfa-37574	291	2	,	,	PUNCT
cjfa-37574	291	3	m.	m.	NOUN
cjfa-37574	291	4	,	,	PUNCT
cjfa-37574	291	5	&	&	CCONJ
cjfa-37574	291	6	pais	pais	PROPN
cjfa-37574	291	7	,	,	PUNCT
cjfa-37574	291	8	j.	j.	PROPN
cjfa-37574	291	9	(	(	PUNCT
cjfa-37574	291	10	2011	2011	NUM
cjfa-37574	291	11	)	)	PUNCT
cjfa-37574	291	12	.	.	PUNCT
cjfa-37574	292	1	financial	financial	ADJ
cjfa-37574	292	2	inclusion	inclusion	NOUN
cjfa-37574	292	3	and	and	CCONJ
cjfa-37574	292	4	development	development	NOUN
cjfa-37574	292	5	.	.	PUNCT
cjfa-37574	293	1	journal	journal	PROPN
cjfa-37574	293	2	of	of	ADP
cjfa-37574	293	3	international	international	PROPN
cjfa-37574	293	4	development	development	NOUN
cjfa-37574	293	5	,	,	PUNCT
cjfa-37574	293	6	23(5	23(5	NUM
cjfa-37574	293	7	)	)	PUNCT
cjfa-37574	293	8	,	,	PUNCT
cjfa-37574	293	9	613	613	NUM
cjfa-37574	293	10	-	-	SYM
cjfa-37574	293	11	628	628	NUM
cjfa-37574	293	12	.	.	PUNCT
cjfa-37574	294	1	http://dx.doi.org/10.1002/jid.1698	http://dx.doi.org/10.1002/jid.1698	NOUN
cjfa-37574	294	2	.	.	PUNCT
cjfa-37574	295	1	sharma	sharma	PROPN
cjfa-37574	295	2	,	,	PUNCT
cjfa-37574	295	3	d.	d.	PROPN
cjfa-37574	295	4	(	(	PUNCT
cjfa-37574	295	5	2016	2016	NUM
cjfa-37574	295	6	)	)	PUNCT
cjfa-37574	295	7	.	.	PUNCT
cjfa-37574	296	1	nexus	nexus	NOUN
cjfa-37574	296	2	between	between	ADP
cjfa-37574	296	3	financial	financial	ADJ
cjfa-37574	296	4	inclusion	inclusion	NOUN
cjfa-37574	296	5	and	and	CCONJ
cjfa-37574	296	6	economic	economic	ADJ
cjfa-37574	296	7	growth	growth	NOUN
cjfa-37574	296	8	.	.	PUNCT
cjfa-37574	297	1	journal	journal	NOUN
cjfa-37574	297	2	of	of	ADP
cjfa-37574	297	3	financial	financial	ADJ
cjfa-37574	297	4	economic	economic	ADJ
cjfa-37574	297	5	policy	policy	NOUN
cjfa-37574	297	6	,	,	PUNCT
cjfa-37574	297	7	8(1	8(1	NOUN
cjfa-37574	297	8	)	)	PUNCT
cjfa-37574	297	9	,	,	PUNCT
cjfa-37574	297	10	13	13	NUM
cjfa-37574	297	11	-	-	SYM
cjfa-37574	297	12	36	36	NUM
cjfa-37574	297	13	.	.	PUNCT
cjfa-37574	298	1	http://dx.doi.org/10.1108/jfep-01-20150004	http://dx.doi.org/10.1108/jfep-01-20150004	NOUN
cjfa-37574	298	2	.	.	PUNCT
cjfa-37574	299	1	siddik	siddik	PROPN
cjfa-37574	299	2	,	,	PUNCT
cjfa-37574	299	3	m.n	m.n	PROPN
cjfa-37574	299	4	.	.	PROPN
cjfa-37574	299	5	,	,	PUNCT
cjfa-37574	299	6	sun	sun	PROPN
cjfa-37574	299	7	,	,	PUNCT
cjfa-37574	299	8	g.	g.	PROPN
cjfa-37574	299	9	,	,	PUNCT
cjfa-37574	299	10	yanjuan	yanjuan	PROPN
cjfa-37574	299	11	,	,	PUNCT
cjfa-37574	299	12	c.	c.	PROPN
cjfa-37574	299	13	,	,	PUNCT
cjfa-37574	299	14	&	&	CCONJ
cjfa-37574	299	15	kabiraj	kabiraj	PROPN
cjfa-37574	299	16	,	,	PUNCT
cjfa-37574	299	17	s.	s.	PROPN
cjfa-37574	299	18	(	(	PUNCT
cjfa-37574	299	19	2014	2014	NUM
cjfa-37574	299	20	)	)	PUNCT
cjfa-37574	299	21	.	.	PUNCT
cjfa-37574	300	1	financial	financial	ADJ
cjfa-37574	300	2	inclusion	inclusion	NOUN
cjfa-37574	300	3	through	through	ADP
cjfa-37574	300	4	mobile	mobile	ADJ
cjfa-37574	300	5	banking	banking	NOUN
cjfa-37574	300	6	:	:	PUNCT
cjfa-37574	300	7	a	a	DET
cjfa-37574	300	8	case	case	NOUN
cjfa-37574	300	9	of	of	ADP
cjfa-37574	300	10	bangladesh	bangladesh	PROPN
cjfa-37574	300	11	.	.	PUNCT
cjfa-37574	301	1	journal	journal	PROPN
cjfa-37574	301	2	of	of	ADP
cjfa-37574	301	3	applied	apply	VERB
cjfa-37574	301	4	finance	finance	NOUN
cjfa-37574	301	5	&	&	CCONJ
cjfa-37574	301	6	banking	banking	NOUN
cjfa-37574	301	7	,	,	PUNCT
cjfa-37574	301	8	4(6	4(6	NUM
cjfa-37574	301	9	)	)	PUNCT
cjfa-37574	301	10	,	,	PUNCT
cjfa-37574	301	11	109	109	NUM
cjfa-37574	301	12	-	-	SYM
cjfa-37574	301	13	136	136	NUM
cjfa-37574	301	14	.	.	PUNCT
cjfa-37574	302	1	vodafone	vodafone	NOUN
cjfa-37574	302	2	(	(	PUNCT
cjfa-37574	302	3	2007	2007	NUM
cjfa-37574	302	4	)	)	PUNCT
cjfa-37574	302	5	.	.	PUNCT
cjfa-37574	303	1	the	the	DET
cjfa-37574	303	2	transformational	transformational	ADJ
cjfa-37574	303	3	potential	potential	NOUN
cjfa-37574	303	4	of	of	ADP
cjfa-37574	303	5	m	m	NOUN
cjfa-37574	303	6	-	-	NOUN
cjfa-37574	303	7	transactions	transaction	NOUN
cjfa-37574	303	8	.	.	PUNCT
cjfa-37574	304	1	the	the	DET
cjfa-37574	304	2	vodafone	vodafone	NOUN
cjfa-37574	304	3	policy	policy	NOUN
cjfa-37574	304	4	paper	paper	NOUN
cjfa-37574	304	5	series	series	NOUN
cjfa-37574	304	6	,	,	PUNCT
cjfa-37574	304	7	6	6	NUM
cjfa-37574	304	8	,	,	PUNCT
cjfa-37574	304	9	1	1	NUM
cjfa-37574	304	10	-	-	SYM
cjfa-37574	304	11	52	52	NUM
cjfa-37574	304	12	.	.	PUNCT
cjfa-37574	305	1	world	world	PROPN
cjfa-37574	305	2	bank	bank	PROPN
cjfa-37574	305	3	(	(	PUNCT
cjfa-37574	305	4	2012	2012	NUM
cjfa-37574	305	5	)	)	PUNCT
cjfa-37574	305	6	.	.	PUNCT
cjfa-37574	306	1	information	information	NOUN
cjfa-37574	306	2	and	and	CCONJ
cjfa-37574	306	3	communications	communication	NOUN
cjfa-37574	306	4	for	for	ADP
cjfa-37574	306	5	development	development	NOUN
cjfa-37574	306	6	2012	2012	NUM
cjfa-37574	306	7	:	:	PUNCT
cjfa-37574	306	8	maximizing	maximize	VERB
cjfa-37574	306	9	mobile	mobile	NOUN
cjfa-37574	306	10	.	.	PUNCT
cjfa-37574	307	1	washington	washington	PROPN
cjfa-37574	307	2	:	:	PUNCT
cjfa-37574	307	3	world	world	PROPN
cjfa-37574	307	4	bank	bank	PROPN
cjfa-37574	307	5	group	group	PROPN
cjfa-37574	307	6	publications	publication	NOUN
cjfa-37574	307	7	.	.	PUNCT
cjfa-37574	308	1	world	world	PROPN
cjfa-37574	308	2	bank	bank	PROPN
cjfa-37574	308	3	(	(	PUNCT
cjfa-37574	308	4	2012	2012	NUM
cjfa-37574	308	5	)	)	PUNCT
cjfa-37574	308	6	.	.	PUNCT
cjfa-37574	309	1	the	the	DET
cjfa-37574	309	2	little	little	ADJ
cjfa-37574	309	3	data	data	NOUN
cjfa-37574	309	4	book	book	NOUN
cjfa-37574	309	5	on	on	ADP
cjfa-37574	309	6	financial	financial	ADJ
cjfa-37574	309	7	inclusion	inclusion	NOUN
cjfa-37574	309	8	.	.	PUNCT
cjfa-37574	310	1	washington	washington	PROPN
cjfa-37574	310	2	:	:	PUNCT
cjfa-37574	310	3	world	world	PROPN
cjfa-37574	310	4	bank	bank	PROPN
cjfa-37574	310	5	group	group	PROPN
cjfa-37574	310	6	publications	publication	NOUN
cjfa-37574	310	7	.	.	PUNCT
cjfa-37574	311	1	world	world	PROPN
cjfa-37574	311	2	bank	bank	PROPN
cjfa-37574	311	3	(	(	PUNCT
cjfa-37574	311	4	2015	2015	NUM
cjfa-37574	311	5	)	)	PUNCT
cjfa-37574	311	6	.	.	PUNCT
cjfa-37574	312	1	how	how	SCONJ
cjfa-37574	312	2	to	to	PART
cjfa-37574	312	3	measure	measure	VERB
cjfa-37574	312	4	financial	financial	ADJ
cjfa-37574	312	5	inclusion	inclusion	NOUN
cjfa-37574	312	6	.	.	PUNCT
cjfa-37574	313	1	washington	washington	PROPN
cjfa-37574	313	2	:	:	PUNCT
cjfa-37574	313	3	world	world	PROPN
cjfa-37574	313	4	bank	bank	PROPN
cjfa-37574	313	5	group	group	PROPN
cjfa-37574	313	6	publications	publication	NOUN
cjfa-37574	313	7	.	.	PUNCT
cjfa-37574	314	1	world	world	PROPN
cjfa-37574	314	2	bank	bank	PROPN
cjfa-37574	314	3	(	(	PUNCT
cjfa-37574	314	4	2018	2018	NUM
cjfa-37574	314	5	)	)	PUNCT
cjfa-37574	314	6	.	.	PUNCT
cjfa-37574	315	1	the	the	DET
cjfa-37574	315	2	little	little	ADJ
cjfa-37574	315	3	data	data	NOUN
cjfa-37574	315	4	book	book	NOUN
cjfa-37574	315	5	on	on	ADP
cjfa-37574	315	6	financial	financial	ADJ
cjfa-37574	315	7	inclusion	inclusion	NOUN
cjfa-37574	315	8	2018	2018	NUM
cjfa-37574	315	9	.	.	PUNCT
cjfa-37574	316	1	washington	washington	PROPN
cjfa-37574	316	2	:	:	PUNCT
cjfa-37574	316	3	world	world	PROPN
cjfa-37574	316	4	bank	bank	PROPN
cjfa-37574	316	5	group	group	PROPN
cjfa-37574	316	6	publications	publication	NOUN
cjfa-37574	316	7	.	.	PUNCT