id	sid	tid	token	lemma	pos
cjfa-45177	1	1	date	date	NOUN
cjfa-45177	1	2	of	of	ADP
cjfa-45177	1	3	submission	submission	NOUN
cjfa-45177	1	4	:	:	PUNCT
cjfa-45177	1	5	march	march	PROPN
cjfa-45177	1	6	24	24	NUM
cjfa-45177	1	7	,	,	PUNCT
cjfa-45177	1	8	2022	2022	NUM
cjfa-45177	1	9	;	;	PUNCT
cjfa-45177	1	10	date	date	NOUN
cjfa-45177	1	11	of	of	ADP
cjfa-45177	1	12	acceptance	acceptance	NOUN
cjfa-45177	1	13	:	:	PUNCT
cjfa-45177	1	14	november	november	PROPN
cjfa-45177	1	15	21	21	NUM
cjfa-45177	1	16	,	,	PUNCT
cjfa-45177	1	17	2022	2022	NUM
cjfa-45177	1	18	.	.	PUNCT
cjfa-45177	2	1	*	*	PUNCT
cjfa-45177	2	2	contact	contact	NOUN
cjfa-45177	2	3	information	information	NOUN
cjfa-45177	2	4	:	:	PUNCT
cjfa-45177	2	5	djoufouet@yahoo.fr	djoufouet@yahoo.fr	NOUN
cjfa-45177	2	6	,	,	PUNCT
cjfa-45177	2	7	high	high	PROPN
cjfa-45177	2	8	institute	institute	PROPN
cjfa-45177	2	9	of	of	ADP
cjfa-45177	2	10	commerce	commerce	PROPN
cjfa-45177	2	11	and	and	CCONJ
cjfa-45177	2	12	management	management	NOUN
cjfa-45177	2	13	,	,	PUNCT
cjfa-45177	2	14	cameroon	cameroon	PROPN
cjfa-45177	2	15	department	department	PROPN
cjfa-45177	2	16	of	of	ADP
cjfa-45177	2	17	money	money	NOUN
cjfa-45177	2	18	and	and	CCONJ
cjfa-45177	2	19	banking	banking	NOUN
cjfa-45177	2	20	,	,	PUNCT
cjfa-45177	2	21	university	university	NOUN
cjfa-45177	2	22	of	of	ADP
cjfa-45177	2	23	bamenda	bamenda	NOUN
cjfa-45177	2	24	,	,	PUNCT
cjfa-45177	2	25	bamenda	bamenda	NOUN
cjfa-45177	2	26	,	,	PUNCT
cjfa-45177	2	27	cameroon	cameroon	NOUN
cjfa-45177	2	28	,	,	PUNCT
cjfa-45177	2	29	phone	phone	NOUN
cjfa-45177	2	30	:	:	PUNCT
cjfa-45177	2	31	+237	+237	CCONJ
cjfa-45177	2	32	675	675	NUM
cjfa-45177	2	33	763	763	NUM
cjfa-45177	2	34	403	403	NUM
cjfa-45177	2	35	;	;	PUNCT
cjfa-45177	2	36	orcid	orcid	PROPN
cjfa-45177	3	1	i	i	NOUN
cjfa-45177	3	2	d	d	NOUN
cjfa-45177	3	3	:	:	PUNCT
cjfa-45177	4	1	https://orcid.org/0000-0003-3940-2181	https://orcid.org/0000-0003-3940-2181	ADJ
cjfa-45177	4	2	.	.	PUNCT
cjfa-45177	5	1	*	*	PUNCT
cjfa-45177	5	2	*	*	PUNCT
cjfa-45177	5	3	contact	contact	NOUN
cjfa-45177	5	4	information	information	NOUN
cjfa-45177	5	5	:	:	PUNCT
cjfa-45177	6	1	pondiethierry24@gmail.com	pondiethierry24@gmail.com	NOUN
cjfa-45177	6	2	,	,	PUNCT
cjfa-45177	6	3	faculty	faculty	NOUN
cjfa-45177	6	4	of	of	ADP
cjfa-45177	6	5	economics	economic	NOUN
cjfa-45177	6	6	and	and	CCONJ
cjfa-45177	6	7	management	management	NOUN
cjfa-45177	6	8	,	,	PUNCT
cjfa-45177	6	9	cameroon	cameroon	PROPN
cjfa-45177	6	10	department	department	PROPN
cjfa-45177	6	11	of	of	ADP
cjfa-45177	6	12	money	money	NOUN
cjfa-45177	6	13	,	,	PUNCT
cjfa-45177	6	14	banking	banking	NOUN
cjfa-45177	6	15	and	and	CCONJ
cjfa-45177	6	16	finance	finance	NOUN
cjfa-45177	6	17	,	,	PUNCT
cjfa-45177	6	18	university	university	PROPN
cjfa-45177	6	19	of	of	ADP
cjfa-45177	6	20	dschang	dschang	PROPN
cjfa-45177	6	21	,	,	PUNCT
cjfa-45177	6	22	dschang	dschang	PROPN
cjfa-45177	6	23	,	,	PUNCT
cjfa-45177	6	24	west	west	PROPN
cjfa-45177	6	25	,	,	PUNCT
cjfa-45177	6	26	cameroon	cameroon	PROPN
cjfa-45177	6	27	,	,	PUNCT
cjfa-45177	6	28	phone	phone	NOUN
cjfa-45177	6	29	:	:	PUNCT
cjfa-45177	6	30	+237	+237	PRON
cjfa-45177	6	31	678	678	NUM
cjfa-45177	6	32	338	338	NUM
cjfa-45177	6	33	882	882	NUM
cjfa-45177	6	34	;	;	PUNCT
cjfa-45177	6	35	orcid	orcid	NOUN
cjfa-45177	7	1	i	i	NOUN
cjfa-45177	7	2	d	d	NOUN
cjfa-45177	7	3	:	:	PUNCT
cjfa-45177	7	4	https://orcid.org/00000002-7013-7921	https://orcid.org/00000002-7013-7921	PROPN
cjfa-45177	7	5	.	.	PROPN
cjfa-45177	7	6	copernican	copernican	PROPN
cjfa-45177	7	7	journal	journal	PROPN
cjfa-45177	7	8	of	of	ADP
cjfa-45177	7	9	finance	finance	PROPN
cjfa-45177	7	10	&	&	CCONJ
cjfa-45177	7	11	accounting	accounting	PROPN
cjfa-45177	7	12	e	e	PROPN
cjfa-45177	7	13	-	-	PROPN
cjfa-45177	7	14	issn	issn	PROPN
cjfa-45177	7	15	2300	2300	NUM
cjfa-45177	7	16	-	-	SYM
cjfa-45177	7	17	3065	3065	NUM
cjfa-45177	7	18	p	p	PROPN
cjfa-45177	7	19	-	-	PUNCT
cjfa-45177	7	20	issn	issn	PROPN
cjfa-45177	7	21	2300	2300	NUM
cjfa-45177	7	22	-	-	SYM
cjfa-45177	7	23	12402022	12402022	NUM
cjfa-45177	7	24	,	,	PUNCT
cjfa-45177	7	25	volume	volume	NOUN
cjfa-45177	7	26	11	11	NUM
cjfa-45177	7	27	,	,	PUNCT
cjfa-45177	7	28	issue	issue	NOUN
cjfa-45177	7	29	4	4	NUM
cjfa-45177	7	30	djoufouet	djoufouet	NOUN
cjfa-45177	7	31	,	,	PUNCT
cjfa-45177	7	32	w.f	w.f	PROPN
cjfa-45177	7	33	.	.	PROPN
cjfa-45177	7	34	,	,	PUNCT
cjfa-45177	7	35	&	&	CCONJ
cjfa-45177	7	36	pondie	pondie	PROPN
cjfa-45177	7	37	,	,	PUNCT
cjfa-45177	7	38	t.m	t.m	PROPN
cjfa-45177	7	39	.	.	PROPN
cjfa-45177	7	40	(	(	PUNCT
cjfa-45177	7	41	2022	2022	NUM
cjfa-45177	7	42	)	)	PUNCT
cjfa-45177	7	43	.	.	PUNCT
cjfa-45177	8	1	impacts	impact	NOUN
cjfa-45177	8	2	of	of	ADP
cjfa-45177	8	3	fintech	fintech	NOUN
cjfa-45177	8	4	on	on	ADP
cjfa-45177	8	5	financial	financial	ADJ
cjfa-45177	8	6	inclusion	inclusion	NOUN
cjfa-45177	8	7	:	:	PUNCT
cjfa-45177	8	8	the	the	DET
cjfa-45177	8	9	case	case	NOUN
cjfa-45177	8	10	of	of	ADP
cjfa-45177	8	11	sub	sub	ADJ
cjfa-45177	8	12	-	-	ADJ
cjfa-45177	8	13	saharan	saharan	ADJ
cjfa-45177	8	14	africa	africa	PROPN
cjfa-45177	8	15	.	.	PUNCT
cjfa-45177	9	1	copernican	copernican	PROPN
cjfa-45177	9	2	journal	journal	PROPN
cjfa-45177	9	3	of	of	ADP
cjfa-45177	9	4	finance	finance	PROPN
cjfa-45177	9	5	&	&	CCONJ
cjfa-45177	9	6	accounting	accounting	PROPN
cjfa-45177	9	7	,	,	PUNCT
cjfa-45177	9	8	11(4	11(4	NUM
cjfa-45177	9	9	)	)	PUNCT
cjfa-45177	9	10	,	,	PUNCT
cjfa-45177	9	11	69–88	69–88	NUM
cjfa-45177	9	12	.	.	PUNCT
cjfa-45177	10	1	http://dx.doi	http://dx.doi	NOUN
cjfa-45177	10	2	.	.	PUNCT
cjfa-45177	11	1	org/10.12775	org/10.12775	PROPN
cjfa-45177	11	2	/	/	SYM
cjfa-45177	11	3	cjfa.2022.019	cjfa.2022.019	PROPN
cjfa-45177	11	4	wulli	wulli	NOUN
cjfa-45177	11	5	faustin	faustin	NOUN
cjfa-45177	11	6	djoufouet	djoufouet	PROPN
cjfa-45177	11	7	*	*	PUNCT
cjfa-45177	11	8	university	university	PROPN
cjfa-45177	11	9	of	of	ADP
cjfa-45177	11	10	bamenda	bamenda	PROPN
cjfa-45177	11	11	thierry	thierry	PROPN
cjfa-45177	11	12	messie	messie	PROPN
cjfa-45177	11	13	pondie	pondie	PROPN
cjfa-45177	11	14	*	*	PROPN
cjfa-45177	11	15	*	*	PROPN
cjfa-45177	11	16	university	university	PROPN
cjfa-45177	11	17	of	of	ADP
cjfa-45177	11	18	dschang	dschang	PROPN
cjfa-45177	11	19	impacts	impact	NOUN
cjfa-45177	11	20	of	of	ADP
cjfa-45177	11	21	fintech	fintech	NOUN
cjfa-45177	11	22	on	on	ADP
cjfa-45177	11	23	financial	financial	ADJ
cjfa-45177	11	24	inclusion	inclusion	NOUN
cjfa-45177	11	25	:	:	PUNCT
cjfa-45177	11	26	the	the	DET
cjfa-45177	11	27	case	case	NOUN
cjfa-45177	11	28	of	of	ADP
cjfa-45177	11	29	sub	sub	ADJ
cjfa-45177	11	30	-	-	ADJ
cjfa-45177	11	31	saharan	saharan	ADJ
cjfa-45177	11	32	africa	africa	PROPN
cjfa-45177	11	33	keywords	keyword	NOUN
cjfa-45177	11	34	:	:	PUNCT
cjfa-45177	11	35	fintech	fintech	NOUN
cjfa-45177	11	36	,	,	PUNCT
cjfa-45177	11	37	financial	financial	ADJ
cjfa-45177	11	38	inclusion	inclusion	NOUN
cjfa-45177	11	39	,	,	PUNCT
cjfa-45177	11	40	lewbel	lewbel	VERB
cjfa-45177	11	41	2sls	2sls	NUM
cjfa-45177	11	42	.	.	PUNCT
cjfa-45177	12	1	j	j	PROPN
cjfa-45177	12	2	e	e	PROPN
cjfa-45177	12	3	l	l	NOUN
cjfa-45177	12	4	classification	classification	NOUN
cjfa-45177	12	5	:	:	PUNCT
cjfa-45177	12	6	g20	g20	NOUN
cjfa-45177	12	7	,	,	PUNCT
cjfa-45177	12	8	g21	g21	PROPN
cjfa-45177	12	9	,	,	PUNCT
cjfa-45177	12	10	g23	g23	PROPN
cjfa-45177	12	11	,	,	PUNCT
cjfa-45177	12	12	e42	e42	NUM
cjfa-45177	12	13	,	,	PUNCT
cjfa-45177	12	14	o33	o33	NOUN
cjfa-45177	12	15	.	.	PUNCT
cjfa-45177	13	1	abstract	abstract	NOUN
cjfa-45177	13	2	:	:	PUNCT
cjfa-45177	13	3	the	the	DET
cjfa-45177	13	4	objective	objective	NOUN
cjfa-45177	13	5	of	of	ADP
cjfa-45177	13	6	this	this	DET
cjfa-45177	13	7	paper	paper	NOUN
cjfa-45177	13	8	is	be	AUX
cjfa-45177	13	9	to	to	PART
cjfa-45177	13	10	determine	determine	VERB
cjfa-45177	13	11	the	the	DET
cjfa-45177	13	12	impact	impact	NOUN
cjfa-45177	13	13	of	of	ADP
cjfa-45177	13	14	fintech	fintech	NOUN
cjfa-45177	13	15	on	on	ADP
cjfa-45177	13	16	the	the	DET
cjfa-45177	13	17	financial	financial	ADJ
cjfa-45177	13	18	inclusion	inclusion	NOUN
cjfa-45177	13	19	of	of	ADP
cjfa-45177	13	20	populations	population	NOUN
cjfa-45177	13	21	in	in	ADP
cjfa-45177	13	22	sub	sub	ADJ
cjfa-45177	13	23	-	-	ADJ
cjfa-45177	13	24	saharan	saharan	ADJ
cjfa-45177	13	25	africa	africa	PROPN
cjfa-45177	13	26	where	where	SCONJ
cjfa-45177	13	27	financial	financial	ADJ
cjfa-45177	13	28	education	education	NOUN
cjfa-45177	13	29	is	be	AUX
cjfa-45177	13	30	still	still	ADV
cjfa-45177	13	31	low	low	ADJ
cjfa-45177	13	32	.	.	PUNCT
cjfa-45177	14	1	to	to	PART
cjfa-45177	14	2	do	do	VERB
cjfa-45177	14	3	so	so	ADV
cjfa-45177	14	4	,	,	PUNCT
cjfa-45177	14	5	data	datum	NOUN
cjfa-45177	14	6	were	be	AUX
cjfa-45177	14	7	collected	collect	VERB
cjfa-45177	14	8	on	on	ADP
cjfa-45177	14	9	a	a	DET
cjfa-45177	14	10	sample	sample	NOUN
cjfa-45177	14	11	of	of	ADP
cjfa-45177	14	12	35	35	NUM
cjfa-45177	14	13	countries	country	NOUN
cjfa-45177	14	14	over	over	ADP
cjfa-45177	14	15	a	a	DET
cjfa-45177	14	16	period	period	NOUN
cjfa-45177	14	17	from	from	ADP
cjfa-45177	14	18	2011	2011	NUM
cjfa-45177	14	19	to	to	ADP
cjfa-45177	14	20	2020	2020	NUM
cjfa-45177	14	21	.	.	PUNCT
cjfa-45177	15	1	estimates	estimate	NOUN
cjfa-45177	15	2	were	be	AUX
cjfa-45177	15	3	made	make	VERB
cjfa-45177	15	4	using	use	VERB
cjfa-45177	15	5	two	two	NUM
cjfa-45177	15	6	-	-	PUNCT
cjfa-45177	15	7	stage	stage	NOUN
cjfa-45177	15	8	least	least	ADJ
cjfa-45177	15	9	squares	square	NOUN
cjfa-45177	15	10	models	model	NOUN
cjfa-45177	15	11	and	and	CCONJ
cjfa-45177	15	12	the	the	DET
cjfa-45177	15	13	lewbel	lewbel	NOUN
cjfa-45177	15	14	2ls	2ls	PROPN
cjfa-45177	15	15	model	model	NOUN
cjfa-45177	15	16	.	.	PUNCT
cjfa-45177	16	1	it	it	PRON
cjfa-45177	16	2	is	be	AUX
cjfa-45177	16	3	clear	clear	ADJ
cjfa-45177	16	4	from	from	ADP
cjfa-45177	16	5	the	the	DET
cjfa-45177	16	6	results	result	NOUN
cjfa-45177	16	7	that	that	PRON
cjfa-45177	16	8	fintech	fintech	NOUN
cjfa-45177	16	9	contributes	contribute	VERB
cjfa-45177	16	10	significantly	significantly	ADV
cjfa-45177	16	11	to	to	ADP
cjfa-45177	16	12	the	the	DET
cjfa-45177	16	13	financial	financial	ADJ
cjfa-45177	16	14	inclusion	inclusion	NOUN
cjfa-45177	16	15	of	of	ADP
cjfa-45177	16	16	people	people	NOUN
cjfa-45177	16	17	in	in	ADP
cjfa-45177	16	18	sub	sub	ADJ
cjfa-45177	16	19	-	-	ADJ
cjfa-45177	16	20	saharan	saharan	ADJ
cjfa-45177	16	21	africa	africa	PROPN
cjfa-45177	16	22	.	.	PUNCT
cjfa-45177	17	1	mobile	mobile	ADJ
cjfa-45177	17	2	phone	phone	NOUN
cjfa-45177	17	3	ownership	ownership	NOUN
cjfa-45177	17	4	facilitates	facilitate	VERB
cjfa-45177	17	5	the	the	DET
cjfa-45177	17	6	use	use	NOUN
cjfa-45177	17	7	of	of	ADP
cjfa-45177	17	8	financial	financial	ADJ
cjfa-45177	17	9	services	service	NOUN
cjfa-45177	17	10	.	.	PUNCT
cjfa-45177	18	1	it	it	PRON
cjfa-45177	18	2	is	be	AUX
cjfa-45177	18	3	noted	note	VERB
cjfa-45177	18	4	that	that	SCONJ
cjfa-45177	18	5	a	a	DET
cjfa-45177	18	6	1	1	NUM
cjfa-45177	18	7	%	%	NOUN
cjfa-45177	18	8	increase	increase	NOUN
cjfa-45177	18	9	in	in	ADP
cjfa-45177	18	10	the	the	DET
cjfa-45177	18	11	number	number	NOUN
cjfa-45177	18	12	of	of	ADP
cjfa-45177	18	13	people	people	NOUN
cjfa-45177	18	14	using	use	VERB
cjfa-45177	18	15	a	a	DET
cjfa-45177	18	16	phone	phone	NOUN
cjfa-45177	18	17	would	would	AUX
cjfa-45177	18	18	contribute	contribute	VERB
cjfa-45177	18	19	to	to	ADP
cjfa-45177	18	20	a	a	DET
cjfa-45177	18	21	0.67	0.67	NUM
cjfa-45177	18	22	%	%	NOUN
cjfa-45177	18	23	increase	increase	NOUN
cjfa-45177	18	24	in	in	ADP
cjfa-45177	18	25	the	the	DET
cjfa-45177	18	26	financial	financial	ADJ
cjfa-45177	18	27	inclusion	inclusion	NOUN
cjfa-45177	18	28	rate	rate	NOUN
cjfa-45177	18	29	.	.	PUNCT
cjfa-45177	19	1	the	the	DET
cjfa-45177	19	2	driscoll	driscoll	NOUN
cjfa-45177	19	3	-	-	PUNCT
cjfa-45177	19	4	kraay	kraay	ADJ
cjfa-45177	19	5	technique	technique	NOUN
cjfa-45177	19	6	consolidated	consolidate	VERB
cjfa-45177	19	7	these	these	DET
cjfa-45177	19	8	results	result	NOUN
cjfa-45177	19	9	by	by	ADP
cjfa-45177	19	10	showing	show	VERB
cjfa-45177	19	11	that	that	SCONJ
cjfa-45177	19	12	with	with	ADP
cjfa-45177	19	13	1	1	NUM
cjfa-45177	19	14	%	%	NOUN
cjfa-45177	19	15	of	of	ADP
cjfa-45177	19	16	people	people	NOUN
cjfa-45177	19	17	http://dx.doi.org/10.12775/cjfa.2022.019	http://dx.doi.org/10.12775/cjfa.2022.019	X
cjfa-45177	19	18	http://dx.doi.org/10.12775/cjfa.2022.019	http://dx.doi.org/10.12775/cjfa.2022.019	X
cjfa-45177	19	19	wulli	wulli	PROPN
cjfa-45177	19	20	faustin	faustin	NOUN
cjfa-45177	19	21	djoufouet	djoufouet	PROPN
cjfa-45177	19	22	,	,	PUNCT
cjfa-45177	19	23	thierry	thierry	NOUN
cjfa-45177	19	24	messie	messie	PROPN
cjfa-45177	19	25	pondie7070	pondie7070	PROPN
cjfa-45177	19	26	having	have	VERB
cjfa-45177	19	27	access	access	NOUN
cjfa-45177	19	28	to	to	ADP
cjfa-45177	19	29	fintech	fintech	NOUN
cjfa-45177	19	30	tools	tool	NOUN
cjfa-45177	19	31	,	,	PUNCT
cjfa-45177	19	32	there	there	PRON
cjfa-45177	19	33	is	be	VERB
cjfa-45177	19	34	an	an	DET
cjfa-45177	19	35	improvement	improvement	NOUN
cjfa-45177	19	36	in	in	ADP
cjfa-45177	19	37	the	the	DET
cjfa-45177	19	38	financial	financial	ADJ
cjfa-45177	19	39	inclusion	inclusion	NOUN
cjfa-45177	19	40	rate	rate	NOUN
cjfa-45177	19	41	of	of	ADP
cjfa-45177	19	42	about	about	ADV
cjfa-45177	19	43	0.70	0.70	NUM
cjfa-45177	19	44	%	%	NOUN
cjfa-45177	19	45	.	.	PUNCT
cjfa-45177	19	46	 	 	SPACE
cjfa-45177	20	1	introduction	introduction	NOUN
cjfa-45177	20	2	 	 	SPACE
cjfa-45177	20	3	introduction	introduction	NOUN
cjfa-45177	20	4	the	the	DET
cjfa-45177	20	5	african	african	PROPN
cjfa-45177	20	6	union	union	PROPN
cjfa-45177	20	7	’s	’s	PART
cjfa-45177	20	8	agenda	agenda	NOUN
cjfa-45177	20	9	2063	2063	NUM
cjfa-45177	20	10	(	(	PUNCT
cjfa-45177	20	11	www1	www1	PROPN
cjfa-45177	20	12	)	)	PUNCT
cjfa-45177	20	13	,	,	PUNCT
cjfa-45177	20	14	followed	follow	VERB
cjfa-45177	20	15	by	by	ADP
cjfa-45177	20	16	the	the	DET
cjfa-45177	20	17	global	global	ADJ
cjfa-45177	20	18	sustainable	sustainable	ADJ
cjfa-45177	20	19	development	development	NOUN
cjfa-45177	20	20	goals	goal	NOUN
cjfa-45177	20	21	,	,	PUNCT
cjfa-45177	20	22	aim	aim	VERB
cjfa-45177	20	23	to	to	PART
cjfa-45177	20	24	improve	improve	VERB
cjfa-45177	20	25	people	people	NOUN
cjfa-45177	20	26	’s	’s	PART
cjfa-45177	20	27	well	well	ADV
cjfa-45177	20	28	-	-	PUNCT
cjfa-45177	20	29	being	being	NOUN
cjfa-45177	20	30	.	.	PUNCT
cjfa-45177	21	1	however	however	ADV
cjfa-45177	21	2	,	,	PUNCT
cjfa-45177	21	3	these	these	DET
cjfa-45177	21	4	goals	goal	NOUN
cjfa-45177	21	5	can	can	AUX
cjfa-45177	21	6	only	only	ADV
cjfa-45177	21	7	be	be	AUX
cjfa-45177	21	8	achieved	achieve	VERB
cjfa-45177	21	9	by	by	ADP
cjfa-45177	21	10	significantly	significantly	ADV
cjfa-45177	21	11	reducing	reduce	VERB
cjfa-45177	21	12	poverty	poverty	NOUN
cjfa-45177	21	13	and	and	CCONJ
cjfa-45177	21	14	increasing	increase	VERB
cjfa-45177	21	15	the	the	DET
cjfa-45177	21	16	financial	financial	ADJ
cjfa-45177	21	17	inclusion	inclusion	NOUN
cjfa-45177	21	18	of	of	ADP
cjfa-45177	21	19	people	people	NOUN
cjfa-45177	21	20	who	who	PRON
cjfa-45177	21	21	have	have	AUX
cjfa-45177	21	22	so	so	ADV
cjfa-45177	21	23	far	far	ADV
cjfa-45177	21	24	been	be	AUX
cjfa-45177	21	25	excluded	exclude	VERB
cjfa-45177	21	26	from	from	ADP
cjfa-45177	21	27	the	the	DET
cjfa-45177	21	28	mainstream	mainstream	ADJ
cjfa-45177	21	29	financial	financial	ADJ
cjfa-45177	21	30	system	system	NOUN
cjfa-45177	21	31	.	.	PUNCT
cjfa-45177	22	1	in	in	ADP
cjfa-45177	22	2	fact	fact	NOUN
cjfa-45177	22	3	,	,	PUNCT
cjfa-45177	22	4	financial	financial	ADJ
cjfa-45177	22	5	inclusion	inclusion	NOUN
cjfa-45177	22	6	is	be	AUX
cjfa-45177	22	7	the	the	DET
cjfa-45177	22	8	provision	provision	NOUN
cjfa-45177	22	9	of	of	ADP
cjfa-45177	22	10	low	low	ADJ
cjfa-45177	22	11	-	-	PUNCT
cjfa-45177	22	12	cost	cost	NOUN
cjfa-45177	22	13	financial	financial	ADJ
cjfa-45177	22	14	services	service	NOUN
cjfa-45177	22	15	to	to	ADP
cjfa-45177	22	16	middle	middle	ADJ
cjfa-45177	22	17	-	-	PUNCT
cjfa-45177	22	18	income	income	NOUN
cjfa-45177	22	19	people	people	NOUN
cjfa-45177	22	20	who	who	PRON
cjfa-45177	22	21	are	be	AUX
cjfa-45177	22	22	disadvantaged	disadvantage	VERB
cjfa-45177	22	23	by	by	ADP
cjfa-45177	22	24	the	the	DET
cjfa-45177	22	25	traditional	traditional	ADJ
cjfa-45177	22	26	financial	financial	ADJ
cjfa-45177	22	27	system	system	NOUN
cjfa-45177	22	28	(	(	PUNCT
cjfa-45177	22	29	ozili	ozili	NOUN
cjfa-45177	22	30	,	,	PUNCT
cjfa-45177	22	31	2018	2018	NUM
cjfa-45177	22	32	)	)	PUNCT
cjfa-45177	22	33	.	.	PUNCT
cjfa-45177	23	1	according	accord	VERB
cjfa-45177	23	2	to	to	ADP
cjfa-45177	23	3	dev	dev	PROPN
cjfa-45177	23	4	(	(	PUNCT
cjfa-45177	23	5	2006	2006	NUM
cjfa-45177	23	6	)	)	PUNCT
cjfa-45177	23	7	,	,	PUNCT
cjfa-45177	23	8	these	these	DET
cjfa-45177	23	9	disadvantaged	disadvantaged	ADJ
cjfa-45177	23	10	people	people	NOUN
cjfa-45177	23	11	are	be	AUX
cjfa-45177	23	12	mainly	mainly	ADV
cjfa-45177	23	13	women	woman	NOUN
cjfa-45177	23	14	,	,	PUNCT
cjfa-45177	23	15	the	the	DET
cjfa-45177	23	16	elderly	elderly	ADJ
cjfa-45177	23	17	and	and	CCONJ
cjfa-45177	23	18	people	people	NOUN
cjfa-45177	23	19	living	live	VERB
cjfa-45177	23	20	in	in	ADP
cjfa-45177	23	21	rural	rural	ADJ
cjfa-45177	23	22	areas	area	NOUN
cjfa-45177	23	23	.	.	PUNCT
cjfa-45177	24	1	nowadays	nowadays	ADV
cjfa-45177	24	2	,	,	PUNCT
cjfa-45177	24	3	technology	technology	NOUN
cjfa-45177	24	4	has	have	AUX
cjfa-45177	24	5	evolved	evolve	VERB
cjfa-45177	24	6	a	a	DET
cjfa-45177	24	7	lot	lot	NOUN
cjfa-45177	24	8	,	,	PUNCT
cjfa-45177	24	9	in	in	ADP
cjfa-45177	24	10	all	all	DET
cjfa-45177	24	11	fields	field	NOUN
cjfa-45177	24	12	including	include	VERB
cjfa-45177	24	13	finance	finance	NOUN
cjfa-45177	24	14	.	.	PUNCT
cjfa-45177	25	1	these	these	DET
cjfa-45177	25	2	technologies	technology	NOUN
cjfa-45177	25	3	applied	apply	VERB
cjfa-45177	25	4	to	to	ADP
cjfa-45177	25	5	finance	finance	NOUN
cjfa-45177	25	6	(	(	PUNCT
cjfa-45177	25	7	fintech	fintech	NOUN
cjfa-45177	25	8	)	)	PUNCT
cjfa-45177	25	9	can	can	AUX
cjfa-45177	25	10	be	be	AUX
cjfa-45177	25	11	understood	understand	VERB
cjfa-45177	25	12	through	through	ADP
cjfa-45177	25	13	technological	technological	ADJ
cjfa-45177	25	14	innovation	innovation	NOUN
cjfa-45177	25	15	in	in	ADP
cjfa-45177	25	16	financial	financial	ADJ
cjfa-45177	25	17	services	service	NOUN
cjfa-45177	25	18	that	that	PRON
cjfa-45177	25	19	has	have	AUX
cjfa-45177	25	20	led	lead	VERB
cjfa-45177	25	21	to	to	ADP
cjfa-45177	25	22	new	new	ADJ
cjfa-45177	25	23	business	business	NOUN
cjfa-45177	25	24	models	model	NOUN
cjfa-45177	25	25	,	,	PUNCT
cjfa-45177	25	26	new	new	ADJ
cjfa-45177	25	27	products	product	NOUN
cjfa-45177	25	28	and	and	CCONJ
cjfa-45177	25	29	even	even	ADV
cjfa-45177	25	30	new	new	ADJ
cjfa-45177	25	31	ways	way	NOUN
cjfa-45177	25	32	of	of	ADP
cjfa-45177	25	33	doing	do	VERB
cjfa-45177	25	34	finance	finance	NOUN
cjfa-45177	25	35	through	through	ADP
cjfa-45177	25	36	decentralized	decentralize	VERB
cjfa-45177	25	37	finance	finance	NOUN
cjfa-45177	25	38	.	.	PUNCT
cjfa-45177	26	1	with	with	ADP
cjfa-45177	26	2	fintech	fintech	NOUN
cjfa-45177	26	3	,	,	PUNCT
cjfa-45177	26	4	it	it	PRON
cjfa-45177	26	5	is	be	AUX
cjfa-45177	26	6	now	now	ADV
cjfa-45177	26	7	possible	possible	ADJ
cjfa-45177	26	8	to	to	PART
cjfa-45177	26	9	send	send	VERB
cjfa-45177	26	10	and	and	CCONJ
cjfa-45177	26	11	receive	receive	VERB
cjfa-45177	26	12	payments	payment	NOUN
cjfa-45177	26	13	anywhere	anywhere	ADV
cjfa-45177	26	14	in	in	ADP
cjfa-45177	26	15	the	the	DET
cjfa-45177	26	16	world	world	NOUN
cjfa-45177	26	17	with	with	ADP
cjfa-45177	26	18	a	a	DET
cjfa-45177	26	19	smartphone	smartphone	NOUN
cjfa-45177	26	20	connected	connect	VERB
cjfa-45177	26	21	or	or	CCONJ
cjfa-45177	26	22	not	not	PART
cjfa-45177	26	23	to	to	ADP
cjfa-45177	26	24	the	the	DET
cjfa-45177	26	25	internet	internet	NOUN
cjfa-45177	26	26	.	.	PUNCT
cjfa-45177	27	1	according	accord	VERB
cjfa-45177	27	2	to	to	ADP
cjfa-45177	27	3	global	global	ADJ
cjfa-45177	27	4	findex	findex	NOUN
cjfa-45177	27	5	(	(	PUNCT
cjfa-45177	27	6	2017	2017	NUM
cjfa-45177	27	7	)	)	PUNCT
cjfa-45177	27	8	,	,	PUNCT
cjfa-45177	27	9	financial	financial	ADJ
cjfa-45177	27	10	inclusion	inclusion	NOUN
cjfa-45177	27	11	is	be	AUX
cjfa-45177	27	12	growing	grow	VERB
cjfa-45177	27	13	exponentially	exponentially	ADV
cjfa-45177	27	14	worldwide	worldwide	ADV
cjfa-45177	27	15	.	.	PUNCT
cjfa-45177	28	1	its	its	PRON
cjfa-45177	28	2	statistics	statistic	NOUN
cjfa-45177	28	3	show	show	VERB
cjfa-45177	28	4	that	that	SCONJ
cjfa-45177	28	5	1.2	1.2	NUM
cjfa-45177	28	6	billion	billion	NUM
cjfa-45177	28	7	adults	adult	NOUN
cjfa-45177	28	8	(	(	PUNCT
cjfa-45177	28	9	people	people	NOUN
cjfa-45177	28	10	over	over	ADP
cjfa-45177	28	11	15	15	NUM
cjfa-45177	28	12	)	)	PUNCT
cjfa-45177	28	13	opened	open	VERB
cjfa-45177	28	14	a	a	DET
cjfa-45177	28	15	bank	bank	NOUN
cjfa-45177	28	16	account	account	NOUN
cjfa-45177	28	17	between	between	ADP
cjfa-45177	28	18	2011	2011	NUM
cjfa-45177	28	19	and	and	CCONJ
cjfa-45177	28	20	2017	2017	NUM
cjfa-45177	28	21	,	,	PUNCT
cjfa-45177	28	22	including	include	VERB
cjfa-45177	28	23	515	515	NUM
cjfa-45177	28	24	million	million	NUM
cjfa-45177	28	25	since	since	SCONJ
cjfa-45177	28	26	2014	2014	NUM
cjfa-45177	28	27	.	.	PUNCT
cjfa-45177	29	1	between	between	ADP
cjfa-45177	29	2	2014	2014	NUM
cjfa-45177	29	3	and	and	CCONJ
cjfa-45177	29	4	2017	2017	NUM
cjfa-45177	29	5	,	,	PUNCT
cjfa-45177	29	6	the	the	DET
cjfa-45177	29	7	proportion	proportion	NOUN
cjfa-45177	29	8	of	of	ADP
cjfa-45177	29	9	adults	adult	NOUN
cjfa-45177	29	10	with	with	ADP
cjfa-45177	29	11	an	an	DET
cjfa-45177	29	12	account	account	NOUN
cjfa-45177	29	13	at	at	ADP
cjfa-45177	29	14	a	a	DET
cjfa-45177	29	15	financial	financial	ADJ
cjfa-45177	29	16	institution	institution	NOUN
cjfa-45177	29	17	or	or	CCONJ
cjfa-45177	29	18	a	a	DET
cjfa-45177	29	19	mobile	mobile	ADJ
cjfa-45177	29	20	bank	bank	NOUN
cjfa-45177	29	21	increased	increase	VERB
cjfa-45177	29	22	from	from	ADP
cjfa-45177	29	23	62	62	NUM
cjfa-45177	29	24	%	%	NOUN
cjfa-45177	29	25	to	to	PART
cjfa-45177	29	26	69	69	NUM
cjfa-45177	29	27	%	%	NOUN
cjfa-45177	29	28	worldwide	worldwide	ADV
cjfa-45177	29	29	and	and	CCONJ
cjfa-45177	29	30	from	from	ADP
cjfa-45177	29	31	54	54	NUM
cjfa-45177	29	32	%	%	NOUN
cjfa-45177	29	33	to	to	PART
cjfa-45177	29	34	63	63	NUM
cjfa-45177	29	35	%	%	NOUN
cjfa-45177	29	36	in	in	ADP
cjfa-45177	29	37	sub	sub	ADJ
cjfa-45177	29	38	-	-	ADJ
cjfa-45177	29	39	saharan	saharan	ADJ
cjfa-45177	29	40	african	african	ADJ
cjfa-45177	29	41	countries	country	NOUN
cjfa-45177	29	42	.	.	PUNCT
cjfa-45177	30	1	the	the	DET
cjfa-45177	30	2	coronavirus	coronavirus	NOUN
cjfa-45177	30	3	health	health	NOUN
cjfa-45177	30	4	crisis	crisis	NOUN
cjfa-45177	30	5	that	that	PRON
cjfa-45177	30	6	the	the	DET
cjfa-45177	30	7	world	world	NOUN
cjfa-45177	30	8	is	be	AUX
cjfa-45177	30	9	currently	currently	ADV
cjfa-45177	30	10	experiencing	experience	VERB
cjfa-45177	30	11	is	be	AUX
cjfa-45177	30	12	likely	likely	ADJ
cjfa-45177	30	13	to	to	PART
cjfa-45177	30	14	have	have	AUX
cjfa-45177	30	15	influenced	influence	VERB
cjfa-45177	30	16	financial	financial	ADJ
cjfa-45177	30	17	technologies	technology	NOUN
cjfa-45177	30	18	to	to	ADP
cjfa-45177	30	19	the	the	DET
cjfa-45177	30	20	extent	extent	NOUN
cjfa-45177	30	21	that	that	SCONJ
cjfa-45177	30	22	relationships	relationship	NOUN
cjfa-45177	30	23	between	between	ADP
cjfa-45177	30	24	people	people	NOUN
cjfa-45177	30	25	are	be	AUX
cjfa-45177	30	26	limited	limited	ADJ
cjfa-45177	30	27	.	.	PUNCT
cjfa-45177	31	1	in	in	ADP
cjfa-45177	31	2	the	the	DET
cjfa-45177	31	3	face	face	NOUN
cjfa-45177	31	4	of	of	ADP
cjfa-45177	31	5	these	these	DET
cjfa-45177	31	6	constraints	constraint	NOUN
cjfa-45177	31	7	,	,	PUNCT
cjfa-45177	31	8	digital	digital	ADJ
cjfa-45177	31	9	and	and	CCONJ
cjfa-45177	31	10	digital	digital	ADJ
cjfa-45177	31	11	payment	payment	NOUN
cjfa-45177	31	12	methods	method	NOUN
cjfa-45177	31	13	are	be	AUX
cjfa-45177	31	14	those	those	PRON
cjfa-45177	31	15	that	that	PRON
cjfa-45177	31	16	have	have	AUX
cjfa-45177	31	17	made	make	VERB
cjfa-45177	31	18	a	a	DET
cjfa-45177	31	19	valid	valid	ADJ
cjfa-45177	31	20	contribution	contribution	NOUN
cjfa-45177	31	21	to	to	ADP
cjfa-45177	31	22	contactless	contactless	ADJ
cjfa-45177	31	23	payments	payment	NOUN
cjfa-45177	31	24	worldwide	worldwide	ADV
cjfa-45177	31	25	.	.	PUNCT
cjfa-45177	32	1	in	in	ADP
cjfa-45177	32	2	fact	fact	NOUN
cjfa-45177	32	3	,	,	PUNCT
cjfa-45177	32	4	digital	digital	ADJ
cjfa-45177	32	5	and	and	CCONJ
cjfa-45177	32	6	digital	digital	ADJ
cjfa-45177	32	7	finance	finance	NOUN
cjfa-45177	32	8	are	be	AUX
cjfa-45177	32	9	financial	financial	ADJ
cjfa-45177	32	10	services	service	NOUN
cjfa-45177	32	11	provided	provide	VERB
cjfa-45177	32	12	via	via	ADP
cjfa-45177	32	13	payment	payment	NOUN
cjfa-45177	32	14	gateways	gateway	NOUN
cjfa-45177	32	15	,	,	PUNCT
cjfa-45177	32	16	mobile	mobile	ADJ
cjfa-45177	32	17	applications	application	NOUN
cjfa-45177	32	18	,	,	PUNCT
cjfa-45177	32	19	smartphones	smartphone	NOUN
cjfa-45177	32	20	and	and	CCONJ
cjfa-45177	32	21	computers	computer	NOUN
cjfa-45177	32	22	connected	connect	VERB
cjfa-45177	32	23	to	to	ADP
cjfa-45177	32	24	the	the	DET
cjfa-45177	32	25	internet	internet	NOUN
cjfa-45177	32	26	.	.	PUNCT
cjfa-45177	33	1	they	they	PRON
cjfa-45177	33	2	encompass	encompass	VERB
cjfa-45177	33	3	a	a	DET
cjfa-45177	33	4	multitude	multitude	NOUN
cjfa-45177	33	5	of	of	ADP
cjfa-45177	33	6	new	new	ADJ
cjfa-45177	33	7	financial	financial	ADJ
cjfa-45177	33	8	products	product	NOUN
cjfa-45177	33	9	,	,	PUNCT
cjfa-45177	33	10	finance	finance	NOUN
cjfa-45177	33	11	-	-	PUNCT
cjfa-45177	33	12	related	relate	VERB
cjfa-45177	33	13	software	software	NOUN
cjfa-45177	33	14	,	,	PUNCT
cjfa-45177	33	15	new	new	ADJ
cjfa-45177	33	16	forms	form	NOUN
cjfa-45177	33	17	of	of	ADP
cjfa-45177	33	18	communication	communication	NOUN
cjfa-45177	33	19	and	and	CCONJ
cjfa-45177	33	20	interaction	interaction	NOUN
cjfa-45177	33	21	,	,	PUNCT
cjfa-45177	33	22	and	and	CCONJ
cjfa-45177	33	23	the	the	DET
cjfa-45177	33	24	provision	provision	NOUN
cjfa-45177	33	25	of	of	ADP
cjfa-45177	33	26	financial	financial	ADJ
cjfa-45177	33	27	services	service	NOUN
cjfa-45177	33	28	that	that	PRON
cjfa-45177	33	29	help	help	VERB
cjfa-45177	33	30	to	to	PART
cjfa-45177	33	31	further	far	ADV
cjfa-45177	33	32	integrate	integrate	VERB
cjfa-45177	33	33	those	those	PRON
cjfa-45177	33	34	excluded	exclude	VERB
cjfa-45177	33	35	from	from	ADP
cjfa-45177	33	36	traditional	traditional	ADJ
cjfa-45177	33	37	finance	finance	NOUN
cjfa-45177	33	38	.	.	PUNCT
cjfa-45177	34	1	thus	thus	ADV
cjfa-45177	34	2	,	,	PUNCT
cjfa-45177	34	3	fintech	fintech	NOUN
cjfa-45177	34	4	plays	play	VERB
cjfa-45177	34	5	a	a	DET
cjfa-45177	34	6	significant	significant	ADJ
cjfa-45177	34	7	role	role	NOUN
cjfa-45177	34	8	in	in	ADP
cjfa-45177	34	9	financial	financial	ADJ
cjfa-45177	34	10	inclusion	inclusion	NOUN
cjfa-45177	34	11	(	(	PUNCT
cjfa-45177	34	12	manyika	manyika	PROPN
cjfa-45177	34	13	,	,	PUNCT
cjfa-45177	34	14	lund	lund	PROPN
cjfa-45177	34	15	,	,	PUNCT
cjfa-45177	34	16	singer	singer	NOUN
cjfa-45177	34	17	,	,	PUNCT
cjfa-45177	34	18	white	white	PROPN
cjfa-45177	34	19	&	&	CCONJ
cjfa-45177	34	20	berry	berry	PROPN
cjfa-45177	34	21	,	,	PUNCT
cjfa-45177	34	22	2016	2016	NUM
cjfa-45177	34	23	)	)	PUNCT
cjfa-45177	34	24	.	.	PUNCT
cjfa-45177	35	1	this	this	PRON
cjfa-45177	35	2	is	be	AUX
cjfa-45177	35	3	why	why	SCONJ
cjfa-45177	35	4	fintech	fintech	NOUN
cjfa-45177	35	5	is	be	AUX
cjfa-45177	35	6	an	an	DET
cjfa-45177	35	7	accelerator	accelerator	NOUN
cjfa-45177	35	8	of	of	ADP
cjfa-45177	35	9	financial	financial	ADJ
cjfa-45177	35	10	inclusion	inclusion	NOUN
cjfa-45177	35	11	and	and	CCONJ
cjfa-45177	35	12	an	an	DET
cjfa-45177	35	13	opportunity	opportunity	NOUN
cjfa-45177	35	14	for	for	ADP
cjfa-45177	35	15	poor	poor	ADJ
cjfa-45177	35	16	peo	peo	PROPN
cjfa-45177	35	17	impacts	impact	NOUN
cjfa-45177	35	18	of	of	ADP
cjfa-45177	35	19	fintech	fintech	NOUN
cjfa-45177	35	20	on	on	ADP
cjfa-45177	35	21	financial	financial	ADJ
cjfa-45177	35	22	inclusion	inclusion	NOUN
cjfa-45177	35	23	…	…	PUNCT
cjfa-45177	35	24	7171	7171	NUM
cjfa-45177	35	25	ple	ple	NOUN
cjfa-45177	35	26	,	,	PUNCT
cjfa-45177	35	27	women	woman	NOUN
cjfa-45177	35	28	and	and	CCONJ
cjfa-45177	35	29	rural	rural	ADJ
cjfa-45177	35	30	populations	population	NOUN
cjfa-45177	35	31	excluded	exclude	VERB
cjfa-45177	35	32	from	from	ADP
cjfa-45177	35	33	the	the	DET
cjfa-45177	35	34	financial	financial	ADJ
cjfa-45177	35	35	system	system	NOUN
cjfa-45177	35	36	(	(	PUNCT
cjfa-45177	35	37	gomber	gomber	PROPN
cjfa-45177	35	38	,	,	PUNCT
cjfa-45177	35	39	koch	koch	PROPN
cjfa-45177	35	40	&	&	CCONJ
cjfa-45177	35	41	siering	siering	PROPN
cjfa-45177	35	42	,	,	PUNCT
cjfa-45177	35	43	2017	2017	NUM
cjfa-45177	35	44	)	)	PUNCT
cjfa-45177	35	45	.	.	PUNCT
cjfa-45177	36	1	in	in	ADP
cjfa-45177	36	2	emerging	emerge	VERB
cjfa-45177	36	3	countries	country	NOUN
cjfa-45177	36	4	like	like	ADP
cjfa-45177	36	5	in	in	ADP
cjfa-45177	36	6	sub	sub	ADJ
cjfa-45177	36	7	-	-	ADJ
cjfa-45177	36	8	saharan	saharan	ADJ
cjfa-45177	36	9	africa	africa	PROPN
cjfa-45177	36	10	,	,	PUNCT
cjfa-45177	36	11	fintech	fintech	NOUN
cjfa-45177	36	12	is	be	AUX
cjfa-45177	36	13	poised	poise	VERB
cjfa-45177	36	14	to	to	PART
cjfa-45177	36	15	accelerate	accelerate	VERB
cjfa-45177	36	16	financial	financial	ADJ
cjfa-45177	36	17	inclusion	inclusion	NOUN
cjfa-45177	36	18	(	(	PUNCT
cjfa-45177	36	19	khatun	khatun	PROPN
cjfa-45177	36	20	&	&	CCONJ
cjfa-45177	36	21	tamanna	tamanna	PROPN
cjfa-45177	36	22	,	,	PUNCT
cjfa-45177	36	23	2020	2020	NUM
cjfa-45177	36	24	)	)	PUNCT
cjfa-45177	36	25	.	.	PUNCT
cjfa-45177	37	1	during	during	ADP
cjfa-45177	37	2	the	the	DET
cjfa-45177	37	3	covid-19	covid-19	PROPN
cjfa-45177	37	4	pandemic	pandemic	NOUN
cjfa-45177	37	5	,	,	PUNCT
cjfa-45177	37	6	technology	technology	NOUN
cjfa-45177	37	7	has	have	AUX
cjfa-45177	37	8	further	far	ADV
cjfa-45177	37	9	created	create	VERB
cjfa-45177	37	10	new	new	ADJ
cjfa-45177	37	11	opportunities	opportunity	NOUN
cjfa-45177	37	12	for	for	ADP
cjfa-45177	37	13	digital	digital	ADJ
cjfa-45177	37	14	financial	financial	ADJ
cjfa-45177	37	15	services	service	NOUN
cjfa-45177	37	16	to	to	PART
cjfa-45177	37	17	accelerate	accelerate	VERB
cjfa-45177	37	18	and	and	CCONJ
cjfa-45177	37	19	enhance	enhance	VERB
cjfa-45177	37	20	financial	financial	ADJ
cjfa-45177	37	21	inclusion	inclusion	NOUN
cjfa-45177	37	22	,	,	PUNCT
cjfa-45177	37	23	amid	amid	ADP
cjfa-45177	37	24	social	social	ADJ
cjfa-45177	37	25	distancing	distancing	NOUN
cjfa-45177	37	26	and	and	CCONJ
cjfa-45177	37	27	lockdown	lockdown	NOUN
cjfa-45177	37	28	measures	measure	NOUN
cjfa-45177	37	29	(	(	PUNCT
cjfa-45177	37	30	sahay	sahay	PROPN
cjfa-45177	37	31	,	,	PUNCT
cjfa-45177	37	32	eriksson	eriksson	PROPN
cjfa-45177	37	33	,	,	PUNCT
cjfa-45177	37	34	allmen	allmen	PROPN
cjfa-45177	37	35	,	,	PUNCT
cjfa-45177	37	36	lahreche	lahreche	PROPN
cjfa-45177	37	37	,	,	PUNCT
cjfa-45177	37	38	khera	khera	PROPN
cjfa-45177	37	39	,	,	PUNCT
cjfa-45177	37	40	ogawa	ogawa	PROPN
cjfa-45177	37	41	,	,	PUNCT
cjfa-45177	37	42	bazarbash	bazarbash	NOUN
cjfa-45177	37	43	&	&	CCONJ
cjfa-45177	37	44	kim	kim	PROPN
cjfa-45177	37	45	,	,	PUNCT
cjfa-45177	37	46	2020	2020	NUM
cjfa-45177	37	47	)	)	PUNCT
cjfa-45177	37	48	.	.	PUNCT
cjfa-45177	38	1	however	however	ADV
cjfa-45177	38	2	,	,	PUNCT
cjfa-45177	38	3	these	these	DET
cjfa-45177	38	4	opportunities	opportunity	NOUN
cjfa-45177	38	5	are	be	AUX
cjfa-45177	38	6	not	not	PART
cjfa-45177	38	7	perceived	perceive	VERB
cjfa-45177	38	8	in	in	ADP
cjfa-45177	38	9	the	the	DET
cjfa-45177	38	10	same	same	ADJ
cjfa-45177	38	11	way	way	NOUN
cjfa-45177	38	12	because	because	SCONJ
cjfa-45177	38	13	not	not	PART
cjfa-45177	38	14	only	only	ADV
cjfa-45177	38	15	is	be	AUX
cjfa-45177	38	16	the	the	DET
cjfa-45177	38	17	degree	degree	NOUN
cjfa-45177	38	18	of	of	ADP
cjfa-45177	38	19	contamination	contamination	NOUN
cjfa-45177	38	20	of	of	ADP
cjfa-45177	38	21	the	the	DET
cjfa-45177	38	22	pandemic	pandemic	ADJ
cjfa-45177	38	23	different	different	ADJ
cjfa-45177	38	24	,	,	PUNCT
cjfa-45177	38	25	but	but	CCONJ
cjfa-45177	38	26	also	also	ADV
cjfa-45177	38	27	the	the	DET
cjfa-45177	38	28	level	level	NOUN
cjfa-45177	38	29	of	of	ADP
cjfa-45177	38	30	financial	financial	ADJ
cjfa-45177	38	31	literacy	literacy	NOUN
cjfa-45177	38	32	varies	vary	VERB
cjfa-45177	38	33	across	across	ADP
cjfa-45177	38	34	the	the	DET
cjfa-45177	38	35	world	world	NOUN
cjfa-45177	38	36	.	.	PUNCT
cjfa-45177	39	1	the	the	DET
cjfa-45177	39	2	level	level	NOUN
cjfa-45177	39	3	of	of	ADP
cjfa-45177	39	4	financial	financial	ADJ
cjfa-45177	39	5	inclusion	inclusion	NOUN
cjfa-45177	39	6	in	in	ADP
cjfa-45177	39	7	this	this	DET
cjfa-45177	39	8	region	region	NOUN
cjfa-45177	39	9	is	be	AUX
cjfa-45177	39	10	still	still	ADV
cjfa-45177	39	11	significantly	significantly	ADV
cjfa-45177	39	12	low	low	ADJ
cjfa-45177	39	13	compared	compare	VERB
cjfa-45177	39	14	to	to	ADP
cjfa-45177	39	15	the	the	DET
cjfa-45177	39	16	world	world	NOUN
cjfa-45177	39	17	average	average	NOUN
cjfa-45177	39	18	of	of	ADP
cjfa-45177	39	19	indicators	indicator	NOUN
cjfa-45177	39	20	(	(	PUNCT
cjfa-45177	39	21	djoufouet	djoufouet	NOUN
cjfa-45177	39	22	,	,	PUNCT
cjfa-45177	39	23	2019	2019	NUM
cjfa-45177	39	24	)	)	PUNCT
cjfa-45177	39	25	.	.	PUNCT
cjfa-45177	40	1	due	due	ADP
cjfa-45177	40	2	to	to	ADP
cjfa-45177	40	3	their	their	PRON
cjfa-45177	40	4	low	low	ADJ
cjfa-45177	40	5	-	-	PUNCT
cjfa-45177	40	6	income	income	NOUN
cjfa-45177	40	7	level	level	NOUN
cjfa-45177	40	8	,	,	PUNCT
cjfa-45177	40	9	people	people	NOUN
cjfa-45177	40	10	do	do	AUX
cjfa-45177	40	11	not	not	PART
cjfa-45177	40	12	find	find	VERB
cjfa-45177	40	13	it	it	PRON
cjfa-45177	40	14	necessary	necessary	ADJ
cjfa-45177	40	15	to	to	PART
cjfa-45177	40	16	seek	seek	VERB
cjfa-45177	40	17	certain	certain	ADJ
cjfa-45177	40	18	financial	financial	ADJ
cjfa-45177	40	19	services	service	NOUN
cjfa-45177	40	20	such	such	ADJ
cjfa-45177	40	21	as	as	ADP
cjfa-45177	40	22	setting	set	VERB
cjfa-45177	40	23	up	up	ADP
cjfa-45177	40	24	a	a	DET
cjfa-45177	40	25	bank	bank	NOUN
cjfa-45177	40	26	account	account	NOUN
cjfa-45177	40	27	or	or	CCONJ
cjfa-45177	40	28	transferring	transfer	VERB
cjfa-45177	40	29	funds	fund	NOUN
cjfa-45177	40	30	(	(	PUNCT
cjfa-45177	40	31	djoufouet	djoufouet	NOUN
cjfa-45177	40	32	,	,	PUNCT
cjfa-45177	40	33	2019	2019	NUM
cjfa-45177	40	34	)	)	PUNCT
cjfa-45177	40	35	.	.	PUNCT
cjfa-45177	41	1	in	in	ADP
cjfa-45177	41	2	addition	addition	NOUN
cjfa-45177	41	3	,	,	PUNCT
cjfa-45177	41	4	a	a	DET
cjfa-45177	41	5	large	large	ADJ
cjfa-45177	41	6	proportion	proportion	NOUN
cjfa-45177	41	7	of	of	ADP
cjfa-45177	41	8	the	the	DET
cjfa-45177	41	9	population	population	NOUN
cjfa-45177	41	10	who	who	PRON
cjfa-45177	41	11	do	do	AUX
cjfa-45177	41	12	not	not	PART
cjfa-45177	41	13	have	have	VERB
cjfa-45177	41	14	any	any	DET
cjfa-45177	41	15	form	form	NOUN
cjfa-45177	41	16	of	of	ADP
cjfa-45177	41	17	identification	identification	NOUN
cjfa-45177	41	18	do	do	AUX
cjfa-45177	41	19	not	not	PART
cjfa-45177	41	20	fully	fully	ADV
cjfa-45177	41	21	trust	trust	VERB
cjfa-45177	41	22	financial	financial	ADJ
cjfa-45177	41	23	technologies	technology	NOUN
cjfa-45177	41	24	because	because	SCONJ
cjfa-45177	41	25	of	of	ADP
cjfa-45177	41	26	the	the	DET
cjfa-45177	41	27	omnipresence	omnipresence	NOUN
cjfa-45177	41	28	of	of	ADP
cjfa-45177	41	29	scammers	scammer	NOUN
cjfa-45177	41	30	.	.	PUNCT
cjfa-45177	42	1	in	in	ADP
cjfa-45177	42	2	the	the	DET
cjfa-45177	42	3	face	face	NOUN
cjfa-45177	42	4	of	of	ADP
cjfa-45177	42	5	these	these	DET
cjfa-45177	42	6	various	various	ADJ
cjfa-45177	42	7	factors	factor	NOUN
cjfa-45177	42	8	that	that	PRON
cjfa-45177	42	9	could	could	AUX
cjfa-45177	42	10	hinder	hinder	VERB
cjfa-45177	42	11	the	the	DET
cjfa-45177	42	12	deployment	deployment	NOUN
cjfa-45177	42	13	of	of	ADP
cjfa-45177	42	14	fintech	fintech	NOUN
cjfa-45177	42	15	in	in	ADP
cjfa-45177	42	16	sub	sub	ADJ
cjfa-45177	42	17	-	-	ADJ
cjfa-45177	42	18	saharan	saharan	ADJ
cjfa-45177	42	19	africa	africa	PROPN
cjfa-45177	42	20	,	,	PUNCT
cjfa-45177	42	21	it	it	PRON
cjfa-45177	42	22	is	be	AUX
cjfa-45177	42	23	necessary	necessary	ADJ
cjfa-45177	42	24	to	to	PART
cjfa-45177	42	25	question	question	VERB
cjfa-45177	42	26	the	the	DET
cjfa-45177	42	27	impact	impact	NOUN
cjfa-45177	42	28	of	of	ADP
cjfa-45177	42	29	fintech	fintech	NOUN
cjfa-45177	42	30	on	on	ADP
cjfa-45177	42	31	financial	financial	ADJ
cjfa-45177	42	32	inclusion	inclusion	NOUN
cjfa-45177	42	33	,	,	PUNCT
cjfa-45177	42	34	as	as	SCONJ
cjfa-45177	42	35	access	access	NOUN
cjfa-45177	42	36	to	to	ADP
cjfa-45177	42	37	financial	financial	ADJ
cjfa-45177	42	38	services	service	NOUN
cjfa-45177	42	39	is	be	AUX
cjfa-45177	42	40	not	not	PART
cjfa-45177	42	41	an	an	DET
cjfa-45177	42	42	end	end	NOUN
cjfa-45177	42	43	in	in	ADP
cjfa-45177	42	44	itself	itself	PRON
cjfa-45177	42	45	,	,	PUNCT
cjfa-45177	42	46	what	what	PRON
cjfa-45177	42	47	matters	matter	VERB
cjfa-45177	42	48	is	be	AUX
cjfa-45177	42	49	the	the	DET
cjfa-45177	42	50	use	use	NOUN
cjfa-45177	42	51	of	of	ADP
cjfa-45177	42	52	these	these	DET
cjfa-45177	42	53	services	service	NOUN
cjfa-45177	42	54	.	.	PUNCT
cjfa-45177	43	1	in	in	ADP
cjfa-45177	43	2	other	other	ADJ
cjfa-45177	43	3	words	word	NOUN
cjfa-45177	43	4	,	,	PUNCT
cjfa-45177	43	5	the	the	DET
cjfa-45177	43	6	objective	objective	NOUN
cjfa-45177	43	7	of	of	ADP
cjfa-45177	43	8	this	this	DET
cjfa-45177	43	9	paper	paper	NOUN
cjfa-45177	43	10	is	be	AUX
cjfa-45177	43	11	to	to	PART
cjfa-45177	43	12	examine	examine	VERB
cjfa-45177	43	13	the	the	DET
cjfa-45177	43	14	contribution	contribution	NOUN
cjfa-45177	43	15	of	of	ADP
cjfa-45177	43	16	fintech	fintech	NOUN
cjfa-45177	43	17	in	in	ADP
cjfa-45177	43	18	improving	improve	VERB
cjfa-45177	43	19	the	the	DET
cjfa-45177	43	20	financial	financial	ADJ
cjfa-45177	43	21	lives	life	NOUN
cjfa-45177	43	22	of	of	ADP
cjfa-45177	43	23	people	people	NOUN
cjfa-45177	43	24	living	live	VERB
cjfa-45177	43	25	in	in	ADP
cjfa-45177	43	26	sub	sub	ADJ
cjfa-45177	43	27	-	-	ADJ
cjfa-45177	43	28	saharan	saharan	ADJ
cjfa-45177	43	29	africa	africa	PROPN
cjfa-45177	43	30	.	.	PUNCT
cjfa-45177	44	1	after	after	ADP
cjfa-45177	44	2	this	this	DET
cjfa-45177	44	3	introductory	introductory	ADJ
cjfa-45177	44	4	part	part	NOUN
cjfa-45177	44	5	,	,	PUNCT
cjfa-45177	44	6	the	the	DET
cjfa-45177	44	7	rest	rest	NOUN
cjfa-45177	44	8	of	of	ADP
cjfa-45177	44	9	the	the	DET
cjfa-45177	44	10	document	document	NOUN
cjfa-45177	44	11	is	be	AUX
cjfa-45177	44	12	structured	structure	VERB
cjfa-45177	44	13	as	as	SCONJ
cjfa-45177	44	14	follows	follow	VERB
cjfa-45177	44	15	.	.	PUNCT
cjfa-45177	45	1	sections	section	NOUN
cjfa-45177	45	2	2	2	NUM
cjfa-45177	45	3	and	and	CCONJ
cjfa-45177	45	4	3	3	NUM
cjfa-45177	45	5	present	present	ADJ
cjfa-45177	45	6	respectively	respectively	ADV
cjfa-45177	45	7	the	the	DET
cjfa-45177	45	8	literature	literature	NOUN
cjfa-45177	45	9	review	review	NOUN
cjfa-45177	45	10	and	and	CCONJ
cjfa-45177	45	11	the	the	DET
cjfa-45177	45	12	methodology	methodology	NOUN
cjfa-45177	45	13	adopted	adopt	VERB
cjfa-45177	45	14	.	.	PUNCT
cjfa-45177	46	1	section	section	NOUN
cjfa-45177	46	2	4	4	NUM
cjfa-45177	46	3	presents	present	VERB
cjfa-45177	46	4	and	and	CCONJ
cjfa-45177	46	5	discusses	discuss	VERB
cjfa-45177	46	6	the	the	DET
cjfa-45177	46	7	main	main	ADJ
cjfa-45177	46	8	empirical	empirical	ADJ
cjfa-45177	46	9	results	result	NOUN
cjfa-45177	46	10	obtained	obtain	VERB
cjfa-45177	46	11	.	.	PUNCT
cjfa-45177	47	1	the	the	DET
cjfa-45177	47	2	conclusion	conclusion	NOUN
cjfa-45177	47	3	and	and	CCONJ
cjfa-45177	47	4	policy	policy	NOUN
cjfa-45177	47	5	implications	implication	NOUN
cjfa-45177	47	6	are	be	AUX
cjfa-45177	47	7	given	give	VERB
cjfa-45177	47	8	in	in	ADP
cjfa-45177	47	9	section	section	NOUN
cjfa-45177	47	10	5	5	NUM
cjfa-45177	47	11	.	.	PUNCT
cjfa-45177	47	12	review	review	NOUN
cjfa-45177	47	13	of	of	ADP
cjfa-45177	47	14	the	the	DET
cjfa-45177	47	15	literaturereview	literaturereview	NOUN
cjfa-45177	47	16	of	of	ADP
cjfa-45177	47	17	the	the	DET
cjfa-45177	47	18	literature	literature	NOUN
cjfa-45177	47	19	most	most	ADJ
cjfa-45177	47	20	researchers	researcher	NOUN
cjfa-45177	47	21	agree	agree	VERB
cjfa-45177	47	22	that	that	SCONJ
cjfa-45177	47	23	financial	financial	ADJ
cjfa-45177	47	24	development	development	NOUN
cjfa-45177	47	25	stimulates	stimulate	VERB
cjfa-45177	47	26	long	long	ADJ
cjfa-45177	47	27	-	-	PUNCT
cjfa-45177	47	28	term	term	NOUN
cjfa-45177	47	29	economic	economic	ADJ
cjfa-45177	47	30	growth	growth	NOUN
cjfa-45177	47	31	,	,	PUNCT
cjfa-45177	47	32	as	as	SCONJ
cjfa-45177	47	33	a	a	DET
cjfa-45177	47	34	well	well	ADV
cjfa-45177	47	35	-	-	PUNCT
cjfa-45177	47	36	developed	develop	VERB
cjfa-45177	47	37	financial	financial	ADJ
cjfa-45177	47	38	system	system	NOUN
cjfa-45177	47	39	encourages	encourage	VERB
cjfa-45177	47	40	savings	saving	NOUN
cjfa-45177	47	41	,	,	PUNCT
cjfa-45177	47	42	investment	investment	NOUN
cjfa-45177	47	43	,	,	PUNCT
cjfa-45177	47	44	risk	risk	NOUN
cjfa-45177	47	45	diversification	diversification	NOUN
cjfa-45177	47	46	and	and	CCONJ
cjfa-45177	47	47	discourages	discourage	VERB
cjfa-45177	47	48	moral	moral	ADJ
cjfa-45177	47	49	hazard	hazard	NOUN
cjfa-45177	47	50	(	(	PUNCT
cjfa-45177	47	51	puatwoe	puatwoe	NOUN
cjfa-45177	47	52	&	&	CCONJ
cjfa-45177	47	53	piabuo	piabuo	NOUN
cjfa-45177	47	54	,	,	PUNCT
cjfa-45177	47	55	2017	2017	NUM
cjfa-45177	47	56	;	;	PUNCT
cjfa-45177	47	57	junior	junior	ADJ
cjfa-45177	47	58	,	,	PUNCT
cjfa-45177	47	59	andoh	andoh	NOUN
cjfa-45177	47	60	,	,	PUNCT
cjfa-45177	47	61	gatsi	gatsi	PROPN
cjfa-45177	47	62	&	&	CCONJ
cjfa-45177	47	63	kawor	kawor	NOUN
cjfa-45177	47	64	,	,	PUNCT
cjfa-45177	47	65	2021	2021	NUM
cjfa-45177	47	66	;	;	PUNCT
cjfa-45177	47	67	song	song	NOUN
cjfa-45177	47	68	,	,	PUNCT
cjfa-45177	47	69	chang	chang	PROPN
cjfa-45177	47	70	&	&	CCONJ
cjfa-45177	47	71	gong	gong	PROPN
cjfa-45177	47	72	,	,	PUNCT
cjfa-45177	47	73	2021	2021	NUM
cjfa-45177	47	74	)	)	PUNCT
cjfa-45177	47	75	.	.	PUNCT
cjfa-45177	48	1	to	to	ADP
cjfa-45177	48	2	this	this	DET
cjfa-45177	48	3	end	end	NOUN
cjfa-45177	48	4	,	,	PUNCT
cjfa-45177	48	5	the	the	DET
cjfa-45177	48	6	financial	financial	ADJ
cjfa-45177	48	7	inclusion	inclusion	NOUN
cjfa-45177	48	8	of	of	ADP
cjfa-45177	48	9	people	people	NOUN
cjfa-45177	48	10	remains	remain	VERB
cjfa-45177	48	11	a	a	DET
cjfa-45177	48	12	major	major	ADJ
cjfa-45177	48	13	economic	economic	ADJ
cjfa-45177	48	14	policy	policy	NOUN
cjfa-45177	48	15	objective	objective	NOUN
cjfa-45177	48	16	for	for	ADP
cjfa-45177	48	17	governments	government	NOUN
cjfa-45177	48	18	in	in	ADP
cjfa-45177	48	19	all	all	DET
cjfa-45177	48	20	countries	country	NOUN
cjfa-45177	48	21	.	.	PUNCT
cjfa-45177	49	1	for	for	ADP
cjfa-45177	49	2	almost	almost	ADV
cjfa-45177	49	3	a	a	PRON
cjfa-45177	49	4	decade	decade	NOUN
cjfa-45177	49	5	,	,	PUNCT
cjfa-45177	49	6	the	the	DET
cjfa-45177	49	7	international	international	ADJ
cjfa-45177	49	8	community	community	NOUN
cjfa-45177	49	9	and	and	CCONJ
cjfa-45177	49	10	governments	government	NOUN
cjfa-45177	49	11	have	have	AUX
cjfa-45177	49	12	been	be	AUX
cjfa-45177	49	13	making	make	VERB
cjfa-45177	49	14	concerted	concerted	ADJ
cjfa-45177	49	15	efforts	effort	NOUN
cjfa-45177	49	16	to	to	PART
cjfa-45177	49	17	develop	develop	VERB
cjfa-45177	49	18	financial	financial	ADJ
cjfa-45177	49	19	inclusion	inclusion	NOUN
cjfa-45177	49	20	.	.	PUNCT
cjfa-45177	50	1	the	the	DET
cjfa-45177	50	2	challenge	challenge	NOUN
cjfa-45177	50	3	is	be	AUX
cjfa-45177	50	4	to	to	PART
cjfa-45177	50	5	build	build	VERB
cjfa-45177	50	6	a	a	DET
cjfa-45177	50	7	financial	financial	ADJ
cjfa-45177	50	8	system	system	NOUN
cjfa-45177	50	9	that	that	PRON
cjfa-45177	50	10	is	be	AUX
cjfa-45177	50	11	accessi	accessi	ADJ
cjfa-45177	50	12	wulli	wulli	NOUN
cjfa-45177	50	13	faustin	faustin	NOUN
cjfa-45177	50	14	djoufouet	djoufouet	PROPN
cjfa-45177	50	15	,	,	PUNCT
cjfa-45177	50	16	thierry	thierry	NOUN
cjfa-45177	50	17	messie	messie	PROPN
cjfa-45177	50	18	pondie7272	pondie7272	PROPN
cjfa-45177	50	19	ble	ble	ADJ
cjfa-45177	50	20	to	to	ADP
cjfa-45177	50	21	all	all	PRON
cjfa-45177	50	22	and	and	CCONJ
cjfa-45177	50	23	that	that	PRON
cjfa-45177	50	24	promotes	promote	VERB
cjfa-45177	50	25	stability	stability	NOUN
cjfa-45177	50	26	and	and	CCONJ
cjfa-45177	50	27	the	the	DET
cjfa-45177	50	28	equity	equity	NOUN
cjfa-45177	50	29	of	of	ADP
cjfa-45177	50	30	progress	progress	NOUN
cjfa-45177	50	31	.	.	PUNCT
cjfa-45177	51	1	to	to	PART
cjfa-45177	51	2	achieve	achieve	VERB
cjfa-45177	51	3	this	this	PRON
cjfa-45177	51	4	,	,	PUNCT
cjfa-45177	51	5	new	new	ADJ
cjfa-45177	51	6	technologies	technology	NOUN
cjfa-45177	51	7	improve	improve	VERB
cjfa-45177	51	8	digitalization	digitalization	NOUN
cjfa-45177	51	9	and	and	CCONJ
cjfa-45177	51	10	lower	low	ADJ
cjfa-45177	51	11	the	the	DET
cjfa-45177	51	12	cost	cost	NOUN
cjfa-45177	51	13	of	of	ADP
cjfa-45177	51	14	financial	financial	ADJ
cjfa-45177	51	15	services	service	NOUN
cjfa-45177	51	16	.	.	PUNCT
cjfa-45177	52	1	however	however	ADV
cjfa-45177	52	2	,	,	PUNCT
cjfa-45177	52	3	the	the	DET
cjfa-45177	52	4	theoretical	theoretical	ADJ
cjfa-45177	52	5	underpinnings	underpinning	NOUN
cjfa-45177	52	6	of	of	ADP
cjfa-45177	52	7	the	the	DET
cjfa-45177	52	8	relationship	relationship	NOUN
cjfa-45177	52	9	between	between	ADP
cjfa-45177	52	10	financial	financial	ADJ
cjfa-45177	52	11	technologies	technology	NOUN
cjfa-45177	52	12	and	and	CCONJ
cjfa-45177	52	13	financial	financial	ADJ
cjfa-45177	52	14	inclusion	inclusion	NOUN
cjfa-45177	52	15	assume	assume	VERB
cjfa-45177	52	16	that	that	SCONJ
cjfa-45177	52	17	a	a	DET
cjfa-45177	52	18	large	large	ADJ
cjfa-45177	52	19	proportion	proportion	NOUN
cjfa-45177	52	20	of	of	ADP
cjfa-45177	52	21	the	the	DET
cjfa-45177	52	22	population	population	NOUN
cjfa-45177	52	23	excluded	exclude	VERB
cjfa-45177	52	24	from	from	ADP
cjfa-45177	52	25	the	the	DET
cjfa-45177	52	26	formal	formal	ADJ
cjfa-45177	52	27	financial	financial	ADJ
cjfa-45177	52	28	system	system	NOUN
cjfa-45177	52	29	owns	own	VERB
cjfa-45177	52	30	at	at	ADP
cjfa-45177	52	31	least	least	ADV
cjfa-45177	52	32	one	one	NUM
cjfa-45177	52	33	mobile	mobile	ADJ
cjfa-45177	52	34	phone	phone	NOUN
cjfa-45177	52	35	.	.	PUNCT
cjfa-45177	53	1	according	accord	VERB
cjfa-45177	53	2	to	to	ADP
cjfa-45177	53	3	the	the	DET
cjfa-45177	53	4	world	world	PROPN
cjfa-45177	53	5	bank	bank	PROPN
cjfa-45177	53	6	(	(	PUNCT
cjfa-45177	53	7	2016	2016	NUM
cjfa-45177	53	8	)	)	PUNCT
cjfa-45177	53	9	,	,	PUNCT
cjfa-45177	53	10	the	the	DET
cjfa-45177	53	11	provision	provision	NOUN
cjfa-45177	53	12	of	of	ADP
cjfa-45177	53	13	financial	financial	ADJ
cjfa-45177	53	14	services	service	NOUN
cjfa-45177	53	15	via	via	ADP
cjfa-45177	53	16	mobile	mobile	ADJ
cjfa-45177	53	17	phones	phone	NOUN
cjfa-45177	53	18	and	and	CCONJ
cjfa-45177	53	19	related	related	ADJ
cjfa-45177	53	20	devices	device	NOUN
cjfa-45177	53	21	can	can	AUX
cjfa-45177	53	22	make	make	VERB
cjfa-45177	53	23	it	it	PRON
cjfa-45177	53	24	easier	easy	ADJ
cjfa-45177	53	25	and	and	CCONJ
cjfa-45177	53	26	cheaper	cheap	ADJ
cjfa-45177	53	27	for	for	SCONJ
cjfa-45177	53	28	people	people	NOUN
cjfa-45177	53	29	to	to	PART
cjfa-45177	53	30	access	access	VERB
cjfa-45177	53	31	financial	financial	ADJ
cjfa-45177	53	32	services	service	NOUN
cjfa-45177	53	33	.	.	PUNCT
cjfa-45177	54	1	information	information	NOUN
cjfa-45177	54	2	and	and	CCONJ
cjfa-45177	54	3	communication	communication	NOUN
cjfa-45177	54	4	technologies	technology	NOUN
cjfa-45177	54	5	(	(	PUNCT
cjfa-45177	54	6	ict	ict	PROPN
cjfa-45177	54	7	)	)	PUNCT
cjfa-45177	54	8	and	and	CCONJ
cjfa-45177	54	9	fintech	fintech	NOUN
cjfa-45177	54	10	are	be	AUX
cjfa-45177	54	11	therefore	therefore	ADV
cjfa-45177	54	12	important	important	ADJ
cjfa-45177	54	13	drivers	driver	NOUN
cjfa-45177	54	14	of	of	ADP
cjfa-45177	54	15	financial	financial	ADJ
cjfa-45177	54	16	inclusion	inclusion	NOUN
cjfa-45177	54	17	(	(	PUNCT
cjfa-45177	54	18	tchamyou	tchamyou	ADJ
cjfa-45177	54	19	,	,	PUNCT
cjfa-45177	54	20	erreyger	erreyger	PROPN
cjfa-45177	54	21	&	&	CCONJ
cjfa-45177	54	22	cassimon	cassimon	PROPN
cjfa-45177	54	23	,	,	PUNCT
cjfa-45177	54	24	2019	2019	NUM
cjfa-45177	54	25	)	)	PUNCT
cjfa-45177	54	26	.	.	PUNCT
cjfa-45177	55	1	fintech	fintech	NOUN
cjfa-45177	55	2	:	:	PUNCT
cjfa-45177	55	3	an	an	DET
cjfa-45177	55	4	opportunity	opportunity	NOUN
cjfa-45177	55	5	for	for	ADP
cjfa-45177	55	6	financial	financial	ADJ
cjfa-45177	55	7	inclusionfintech	inclusionfintech	NOUN
cjfa-45177	55	8	:	:	PUNCT
cjfa-45177	55	9	an	an	DET
cjfa-45177	55	10	opportunity	opportunity	NOUN
cjfa-45177	55	11	for	for	ADP
cjfa-45177	55	12	financial	financial	ADJ
cjfa-45177	55	13	inclusion	inclusion	NOUN
cjfa-45177	55	14	most	most	ADJ
cjfa-45177	55	15	studies	study	NOUN
cjfa-45177	55	16	have	have	AUX
cjfa-45177	55	17	found	find	VERB
cjfa-45177	55	18	that	that	SCONJ
cjfa-45177	55	19	fintechs	fintech	NOUN
cjfa-45177	55	20	and	and	CCONJ
cjfa-45177	55	21	icts	ict	NOUN
cjfa-45177	55	22	are	be	AUX
cjfa-45177	55	23	key	key	ADJ
cjfa-45177	55	24	drivers	driver	NOUN
cjfa-45177	55	25	of	of	ADP
cjfa-45177	55	26	financial	financial	ADJ
cjfa-45177	55	27	inclusion	inclusion	NOUN
cjfa-45177	55	28	(	(	PUNCT
cjfa-45177	55	29	ghosh	ghosh	PROPN
cjfa-45177	55	30	,	,	PUNCT
cjfa-45177	55	31	2018	2018	NUM
cjfa-45177	55	32	;	;	PUNCT
cjfa-45177	55	33	gosavi	gosavi	VERB
cjfa-45177	55	34	,	,	PUNCT
cjfa-45177	55	35	2018	2018	NUM
cjfa-45177	55	36	;	;	PUNCT
cjfa-45177	55	37	tchamyou	tchamyou	PART
cjfa-45177	55	38	et	et	PROPN
cjfa-45177	55	39	al	al	PROPN
cjfa-45177	55	40	.	.	PROPN
cjfa-45177	55	41	,	,	PUNCT
cjfa-45177	55	42	2019	2019	NUM
cjfa-45177	55	43	)	)	PUNCT
cjfa-45177	55	44	.	.	PUNCT
cjfa-45177	56	1	fintechs	fintech	NOUN
cjfa-45177	56	2	enable	enable	VERB
cjfa-45177	56	3	financial	financial	ADJ
cjfa-45177	56	4	services	service	NOUN
cjfa-45177	56	5	to	to	PART
cjfa-45177	56	6	be	be	AUX
cjfa-45177	56	7	offered	offer	VERB
cjfa-45177	56	8	to	to	ADP
cjfa-45177	56	9	all	all	DET
cjfa-45177	56	10	social	social	ADJ
cjfa-45177	56	11	strata	strata	NOUN
cjfa-45177	56	12	,	,	PUNCT
cjfa-45177	56	13	regardless	regardless	ADV
cjfa-45177	56	14	of	of	ADP
cjfa-45177	56	15	their	their	PRON
cjfa-45177	56	16	locations	location	NOUN
cjfa-45177	56	17	.	.	PUNCT
cjfa-45177	57	1	according	accord	VERB
cjfa-45177	57	2	to	to	ADP
cjfa-45177	57	3	bhandari	bhandari	NOUN
cjfa-45177	57	4	(	(	PUNCT
cjfa-45177	57	5	2018	2018	NUM
cjfa-45177	57	6	)	)	PUNCT
cjfa-45177	57	7	,	,	PUNCT
cjfa-45177	57	8	middle	middle	ADJ
cjfa-45177	57	9	-	-	PUNCT
cjfa-45177	57	10	income	income	NOUN
cjfa-45177	57	11	people	people	NOUN
cjfa-45177	57	12	are	be	AUX
cjfa-45177	57	13	the	the	DET
cjfa-45177	57	14	ultimate	ultimate	ADJ
cjfa-45177	57	15	beneficiaries	beneficiary	NOUN
cjfa-45177	57	16	of	of	ADP
cjfa-45177	57	17	financial	financial	ADJ
cjfa-45177	57	18	inclusion	inclusion	NOUN
cjfa-45177	57	19	because	because	SCONJ
cjfa-45177	57	20	,	,	PUNCT
cjfa-45177	57	21	lacking	lack	VERB
cjfa-45177	57	22	access	access	NOUN
cjfa-45177	57	23	to	to	ADP
cjfa-45177	57	24	traditional	traditional	ADJ
cjfa-45177	57	25	financial	financial	ADJ
cjfa-45177	57	26	services	service	NOUN
cjfa-45177	57	27	,	,	PUNCT
cjfa-45177	57	28	they	they	PRON
cjfa-45177	57	29	can	can	AUX
cjfa-45177	57	30	now	now	ADV
cjfa-45177	57	31	benefit	benefit	VERB
cjfa-45177	57	32	from	from	ADP
cjfa-45177	57	33	low	low	ADJ
cjfa-45177	57	34	-	-	PUNCT
cjfa-45177	57	35	cost	cost	NOUN
cjfa-45177	57	36	micro	micro	NOUN
cjfa-45177	57	37	-	-	NOUN
cjfa-45177	57	38	services	service	NOUN
cjfa-45177	57	39	.	.	PUNCT
cjfa-45177	58	1	ghosh	ghosh	PROPN
cjfa-45177	58	2	and	and	CCONJ
cjfa-45177	58	3	vinod	vinod	PROPN
cjfa-45177	58	4	(	(	PUNCT
cjfa-45177	58	5	2017	2017	NUM
cjfa-45177	58	6	)	)	PUNCT
cjfa-45177	58	7	instead	instead	ADV
cjfa-45177	58	8	believe	believe	VERB
cjfa-45177	58	9	that	that	SCONJ
cjfa-45177	58	10	women	woman	NOUN
cjfa-45177	58	11	are	be	AUX
cjfa-45177	58	12	the	the	DET
cjfa-45177	58	13	main	main	ADJ
cjfa-45177	58	14	beneficiaries	beneficiary	NOUN
cjfa-45177	58	15	of	of	ADP
cjfa-45177	58	16	financial	financial	ADJ
cjfa-45177	58	17	inclusion	inclusion	NOUN
cjfa-45177	58	18	outcomes	outcome	NOUN
cjfa-45177	58	19	as	as	SCONJ
cjfa-45177	58	20	they	they	PRON
cjfa-45177	58	21	are	be	AUX
cjfa-45177	58	22	considered	consider	VERB
cjfa-45177	58	23	among	among	ADP
cjfa-45177	58	24	the	the	DET
cjfa-45177	58	25	vulnerable	vulnerable	ADJ
cjfa-45177	58	26	and	and	CCONJ
cjfa-45177	58	27	poor	poor	ADJ
cjfa-45177	58	28	.	.	PUNCT
cjfa-45177	59	1	in	in	ADP
cjfa-45177	59	2	any	any	DET
cjfa-45177	59	3	case	case	NOUN
cjfa-45177	59	4	,	,	PUNCT
cjfa-45177	59	5	the	the	DET
cjfa-45177	59	6	economy	economy	NOUN
cjfa-45177	59	7	and	and	CCONJ
cjfa-45177	59	8	the	the	DET
cjfa-45177	59	9	financial	financial	ADJ
cjfa-45177	59	10	system	system	NOUN
cjfa-45177	59	11	as	as	ADP
cjfa-45177	59	12	a	a	DET
cjfa-45177	59	13	whole	whole	NOUN
cjfa-45177	59	14	are	be	AUX
cjfa-45177	59	15	the	the	DET
cjfa-45177	59	16	main	main	ADJ
cjfa-45177	59	17	beneficiaries	beneficiary	NOUN
cjfa-45177	59	18	of	of	ADP
cjfa-45177	59	19	financial	financial	ADJ
cjfa-45177	59	20	inclusion	inclusion	NOUN
cjfa-45177	59	21	(	(	PUNCT
cjfa-45177	59	22	mehrotra	mehrotra	PROPN
cjfa-45177	59	23	&	&	CCONJ
cjfa-45177	59	24	yetman	yetman	PROPN
cjfa-45177	59	25	,	,	PUNCT
cjfa-45177	59	26	2015	2015	NUM
cjfa-45177	59	27	;	;	PUNCT
cjfa-45177	59	28	swamy	swamy	NOUN
cjfa-45177	59	29	,	,	PUNCT
cjfa-45177	59	30	2014	2014	NUM
cjfa-45177	59	31	;	;	PUNCT
cjfa-45177	59	32	ozili	ozili	NOUN
cjfa-45177	59	33	,	,	PUNCT
cjfa-45177	59	34	2018	2018	NUM
cjfa-45177	59	35	)	)	PUNCT
cjfa-45177	59	36	.	.	PUNCT
cjfa-45177	60	1	according	accord	VERB
cjfa-45177	60	2	to	to	ADP
cjfa-45177	60	3	some	some	DET
cjfa-45177	60	4	studies	study	NOUN
cjfa-45177	60	5	in	in	ADP
cjfa-45177	60	6	europe	europe	PROPN
cjfa-45177	60	7	and	and	CCONJ
cjfa-45177	60	8	asia	asia	PROPN
cjfa-45177	60	9	(	(	PUNCT
cjfa-45177	60	10	andrianaivo	andrianaivo	PROPN
cjfa-45177	60	11	&	&	CCONJ
cjfa-45177	60	12	kpodar	kpodar	PROPN
cjfa-45177	60	13	,	,	PUNCT
cjfa-45177	60	14	2012	2012	NUM
cjfa-45177	60	15	;	;	PUNCT
cjfa-45177	60	16	ghosh	ghosh	PROPN
cjfa-45177	60	17	,	,	PUNCT
cjfa-45177	60	18	2016	2016	NUM
cjfa-45177	60	19	)	)	PUNCT
cjfa-45177	60	20	,	,	PUNCT
cjfa-45177	60	21	there	there	PRON
cjfa-45177	60	22	is	be	VERB
cjfa-45177	60	23	evidence	evidence	NOUN
cjfa-45177	60	24	of	of	ADP
cjfa-45177	60	25	a	a	DET
cjfa-45177	60	26	positive	positive	ADJ
cjfa-45177	60	27	correlation	correlation	NOUN
cjfa-45177	60	28	between	between	ADP
cjfa-45177	60	29	the	the	DET
cjfa-45177	60	30	level	level	NOUN
cjfa-45177	60	31	of	of	ADP
cjfa-45177	60	32	mobile	mobile	ADJ
cjfa-45177	60	33	phone	phone	NOUN
cjfa-45177	60	34	penetration	penetration	NOUN
cjfa-45177	60	35	that	that	PRON
cjfa-45177	60	36	would	would	AUX
cjfa-45177	60	37	facilitate	facilitate	VERB
cjfa-45177	60	38	access	access	NOUN
cjfa-45177	60	39	to	to	ADP
cjfa-45177	60	40	financial	financial	ADJ
cjfa-45177	60	41	services	service	NOUN
cjfa-45177	60	42	and	and	CCONJ
cjfa-45177	60	43	financial	financial	ADJ
cjfa-45177	60	44	inclusion	inclusion	NOUN
cjfa-45177	60	45	.	.	PUNCT
cjfa-45177	61	1	according	accord	VERB
cjfa-45177	61	2	to	to	ADP
cjfa-45177	61	3	morawczynski	morawczynski	NOUN
cjfa-45177	61	4	(	(	PUNCT
cjfa-45177	61	5	2009	2009	NUM
cjfa-45177	61	6	)	)	PUNCT
cjfa-45177	61	7	;	;	PUNCT
cjfa-45177	61	8	mbiti	mbiti	PROPN
cjfa-45177	61	9	and	and	CCONJ
cjfa-45177	61	10	weil	weil	PROPN
cjfa-45177	61	11	(	(	PUNCT
cjfa-45177	61	12	2011	2011	NUM
cjfa-45177	61	13	)	)	PUNCT
cjfa-45177	61	14	;	;	PUNCT
cjfa-45177	61	15	ouma	ouma	PROPN
cjfa-45177	61	16	,	,	PUNCT
cjfa-45177	61	17	odongo	odongo	NOUN
cjfa-45177	61	18	and	and	CCONJ
cjfa-45177	61	19	were	be	AUX
cjfa-45177	61	20	(	(	PUNCT
cjfa-45177	61	21	2017	2017	NUM
cjfa-45177	61	22	)	)	PUNCT
cjfa-45177	61	23	,	,	PUNCT
cjfa-45177	61	24	the	the	DET
cjfa-45177	61	25	use	use	NOUN
cjfa-45177	61	26	of	of	ADP
cjfa-45177	61	27	mobile	mobile	ADJ
cjfa-45177	61	28	money	money	NOUN
cjfa-45177	61	29	promotes	promote	VERB
cjfa-45177	61	30	and	and	CCONJ
cjfa-45177	61	31	accelerates	accelerate	VERB
cjfa-45177	61	32	financial	financial	ADJ
cjfa-45177	61	33	inclusion	inclusion	NOUN
cjfa-45177	61	34	of	of	ADP
cjfa-45177	61	35	households	household	NOUN
cjfa-45177	61	36	and	and	CCONJ
cjfa-45177	61	37	businesses	business	NOUN
cjfa-45177	61	38	.	.	PUNCT
cjfa-45177	62	1	therefore	therefore	ADV
cjfa-45177	62	2	,	,	PUNCT
cjfa-45177	62	3	households	household	NOUN
cjfa-45177	62	4	with	with	ADP
cjfa-45177	62	5	a	a	DET
cjfa-45177	62	6	mobile	mobile	ADJ
cjfa-45177	62	7	money	money	NOUN
cjfa-45177	62	8	account	account	NOUN
cjfa-45177	62	9	tend	tend	VERB
cjfa-45177	62	10	to	to	PART
cjfa-45177	62	11	be	be	AUX
cjfa-45177	62	12	banked	bank	VERB
cjfa-45177	62	13	,	,	PUNCT
cjfa-45177	62	14	receive	receive	VERB
cjfa-45177	62	15	or	or	CCONJ
cjfa-45177	62	16	send	send	VERB
cjfa-45177	62	17	money	money	NOUN
cjfa-45177	62	18	more	more	ADV
cjfa-45177	62	19	frequently	frequently	ADV
cjfa-45177	62	20	and	and	CCONJ
cjfa-45177	62	21	accumulate	accumulate	VERB
cjfa-45177	62	22	more	more	ADJ
cjfa-45177	62	23	savings	saving	NOUN
cjfa-45177	62	24	(	(	PUNCT
cjfa-45177	62	25	morawczynski	morawczynski	ADJ
cjfa-45177	62	26	,	,	PUNCT
cjfa-45177	62	27	2009	2009	NUM
cjfa-45177	62	28	;	;	PUNCT
cjfa-45177	62	29	mbiti	mbiti	PROPN
cjfa-45177	62	30	&	&	CCONJ
cjfa-45177	62	31	weil	weil	PROPN
cjfa-45177	62	32	,	,	PUNCT
cjfa-45177	62	33	2011	2011	NUM
cjfa-45177	62	34	;	;	PUNCT
cjfa-45177	62	35	ouma	ouma	PROPN
cjfa-45177	62	36	et	et	PROPN
cjfa-45177	62	37	al	al	PROPN
cjfa-45177	62	38	.	.	PROPN
cjfa-45177	62	39	,	,	PUNCT
cjfa-45177	62	40	2017	2017	NUM
cjfa-45177	62	41	)	)	PUNCT
cjfa-45177	62	42	.	.	PUNCT
cjfa-45177	63	1	an	an	DET
cjfa-45177	63	2	individual	individual	NOUN
cjfa-45177	63	3	with	with	ADP
cjfa-45177	63	4	a	a	DET
cjfa-45177	63	5	current	current	ADJ
cjfa-45177	63	6	account	account	NOUN
cjfa-45177	63	7	will	will	AUX
cjfa-45177	63	8	be	be	AUX
cjfa-45177	63	9	more	more	ADV
cjfa-45177	63	10	likely	likely	ADJ
cjfa-45177	63	11	to	to	PART
cjfa-45177	63	12	use	use	VERB
cjfa-45177	63	13	other	other	ADJ
cjfa-45177	63	14	financial	financial	ADJ
cjfa-45177	63	15	services	service	NOUN
cjfa-45177	63	16	,	,	PUNCT
cjfa-45177	63	17	such	such	ADJ
cjfa-45177	63	18	as	as	ADP
cjfa-45177	63	19	credit	credit	NOUN
cjfa-45177	63	20	or	or	CCONJ
cjfa-45177	63	21	insurance	insurance	NOUN
cjfa-45177	63	22	,	,	PUNCT
cjfa-45177	63	23	to	to	PART
cjfa-45177	63	24	start	start	VERB
cjfa-45177	63	25	or	or	CCONJ
cjfa-45177	63	26	expand	expand	VERB
cjfa-45177	63	27	a	a	DET
cjfa-45177	63	28	business	business	NOUN
cjfa-45177	63	29	,	,	PUNCT
cjfa-45177	63	30	to	to	PART
cjfa-45177	63	31	invest	invest	VERB
cjfa-45177	63	32	in	in	ADP
cjfa-45177	63	33	education	education	NOUN
cjfa-45177	63	34	or	or	CCONJ
cjfa-45177	63	35	health	health	NOUN
cjfa-45177	63	36	,	,	PUNCT
cjfa-45177	63	37	to	to	PART
cjfa-45177	63	38	manage	manage	VERB
cjfa-45177	63	39	risk	risk	NOUN
cjfa-45177	63	40	and	and	CCONJ
cjfa-45177	63	41	to	to	PART
cjfa-45177	63	42	overcome	overcome	VERB
cjfa-45177	63	43	financial	financial	ADJ
cjfa-45177	63	44	shocks	shock	NOUN
cjfa-45177	63	45	,	,	PUNCT
cjfa-45177	63	46	all	all	PRON
cjfa-45177	63	47	of	of	ADP
cjfa-45177	63	48	which	which	PRON
cjfa-45177	63	49	will	will	AUX
cjfa-45177	63	50	improve	improve	VERB
cjfa-45177	63	51	their	their	PRON
cjfa-45177	63	52	overall	overall	ADJ
cjfa-45177	63	53	standard	standard	NOUN
cjfa-45177	63	54	of	of	ADP
cjfa-45177	63	55	living	living	NOUN
cjfa-45177	63	56	.	.	PUNCT
cjfa-45177	64	1	impacts	impact	NOUN
cjfa-45177	64	2	of	of	ADP
cjfa-45177	64	3	fintech	fintech	NOUN
cjfa-45177	64	4	on	on	ADP
cjfa-45177	64	5	financial	financial	ADJ
cjfa-45177	64	6	inclusion	inclusion	NOUN
cjfa-45177	64	7	…	…	PUNCT
cjfa-45177	64	8	7373	7373	NUM
cjfa-45177	64	9	however	however	ADV
cjfa-45177	64	10	,	,	PUNCT
cjfa-45177	64	11	the	the	DET
cjfa-45177	64	12	fintech	fintech	NOUN
cjfa-45177	64	13	-	-	PUNCT
cjfa-45177	64	14	financial	financial	ADJ
cjfa-45177	64	15	inclusion	inclusion	NOUN
cjfa-45177	64	16	link	link	NOUN
cjfa-45177	64	17	might	might	AUX
cjfa-45177	64	18	differ	differ	VERB
cjfa-45177	64	19	depending	depend	VERB
cjfa-45177	64	20	on	on	ADP
cjfa-45177	64	21	the	the	DET
cjfa-45177	64	22	dimensions	dimension	NOUN
cjfa-45177	64	23	of	of	ADP
cjfa-45177	64	24	financial	financial	ADJ
cjfa-45177	64	25	inclusion	inclusion	NOUN
cjfa-45177	64	26	(	(	PUNCT
cjfa-45177	64	27	access	access	NOUN
cjfa-45177	64	28	versus	versus	ADP
cjfa-45177	64	29	use	use	NOUN
cjfa-45177	64	30	)	)	PUNCT
cjfa-45177	64	31	,	,	PUNCT
cjfa-45177	64	32	in	in	ADP
cjfa-45177	64	33	addition	addition	NOUN
cjfa-45177	64	34	to	to	ADP
cjfa-45177	64	35	the	the	DET
cjfa-45177	64	36	type	type	NOUN
cjfa-45177	64	37	of	of	ADP
cjfa-45177	64	38	financial	financial	ADJ
cjfa-45177	64	39	service	service	NOUN
cjfa-45177	64	40	(	(	PUNCT
cjfa-45177	64	41	payments	payment	NOUN
cjfa-45177	64	42	,	,	PUNCT
cjfa-45177	64	43	savings	saving	NOUN
cjfa-45177	64	44	,	,	PUNCT
cjfa-45177	64	45	credit	credit	NOUN
cjfa-45177	64	46	and	and	CCONJ
cjfa-45177	64	47	insurance	insurance	NOUN
cjfa-45177	64	48	)	)	PUNCT
cjfa-45177	64	49	.	.	PUNCT
cjfa-45177	65	1	as	as	SCONJ
cjfa-45177	65	2	mentioned	mention	VERB
cjfa-45177	65	3	in	in	ADP
cjfa-45177	65	4	the	the	DET
cjfa-45177	65	5	introduction	introduction	NOUN
cjfa-45177	65	6	,	,	PUNCT
cjfa-45177	65	7	the	the	DET
cjfa-45177	65	8	link	link	NOUN
cjfa-45177	65	9	between	between	ADP
cjfa-45177	65	10	fintech	fintech	NOUN
cjfa-45177	65	11	and	and	CCONJ
cjfa-45177	65	12	financial	financial	ADJ
cjfa-45177	65	13	inclusion	inclusion	NOUN
cjfa-45177	65	14	may	may	AUX
cjfa-45177	65	15	also	also	ADV
cjfa-45177	65	16	vary	vary	VERB
cjfa-45177	65	17	according	accord	VERB
cjfa-45177	65	18	to	to	ADP
cjfa-45177	65	19	the	the	DET
cjfa-45177	65	20	level	level	NOUN
cjfa-45177	65	21	of	of	ADP
cjfa-45177	65	22	financial	financial	ADJ
cjfa-45177	65	23	education	education	NOUN
cjfa-45177	65	24	of	of	ADP
cjfa-45177	65	25	the	the	DET
cjfa-45177	65	26	populations	population	NOUN
cjfa-45177	65	27	.	.	PUNCT
cjfa-45177	66	1	for	for	ADP
cjfa-45177	66	2	this	this	DET
cjfa-45177	66	3	reason	reason	NOUN
cjfa-45177	66	4	,	,	PUNCT
cjfa-45177	66	5	the	the	DET
cjfa-45177	66	6	results	result	NOUN
cjfa-45177	66	7	of	of	ADP
cjfa-45177	66	8	the	the	DET
cjfa-45177	66	9	various	various	ADJ
cjfa-45177	66	10	studies	study	NOUN
cjfa-45177	66	11	are	be	AUX
cjfa-45177	66	12	inconclusive	inconclusive	ADJ
cjfa-45177	66	13	and	and	CCONJ
cjfa-45177	66	14	mixed	mixed	ADJ
cjfa-45177	66	15	.	.	PUNCT
cjfa-45177	67	1	kochar	kochar	PROPN
cjfa-45177	67	2	(	(	PUNCT
cjfa-45177	67	3	2011	2011	NUM
cjfa-45177	67	4	)	)	PUNCT
cjfa-45177	67	5	studied	study	VERB
cjfa-45177	67	6	the	the	DET
cjfa-45177	67	7	relationship	relationship	NOUN
cjfa-45177	67	8	between	between	ADP
cjfa-45177	67	9	financial	financial	ADJ
cjfa-45177	67	10	inclusion	inclusion	NOUN
cjfa-45177	67	11	and	and	CCONJ
cjfa-45177	67	12	household	household	NOUN
cjfa-45177	67	13	income	income	NOUN
cjfa-45177	67	14	inequality	inequality	NOUN
cjfa-45177	67	15	in	in	ADP
cjfa-45177	67	16	the	the	DET
cjfa-45177	67	17	indian	indian	ADJ
cjfa-45177	67	18	state	state	PROPN
cjfa-45177	67	19	of	of	ADP
cjfa-45177	67	20	uttar	uttar	PROPN
cjfa-45177	67	21	pradesh	pradesh	PROPN
cjfa-45177	67	22	and	and	CCONJ
cjfa-45177	67	23	concluded	conclude	VERB
cjfa-45177	67	24	that	that	SCONJ
cjfa-45177	67	25	increased	increase	VERB
cjfa-45177	67	26	access	access	NOUN
cjfa-45177	67	27	to	to	ADP
cjfa-45177	67	28	formal	formal	ADJ
cjfa-45177	67	29	financial	financial	ADJ
cjfa-45177	67	30	services	service	NOUN
cjfa-45177	67	31	through	through	ADP
cjfa-45177	67	32	local	local	ADJ
cjfa-45177	67	33	bank	bank	NOUN
cjfa-45177	67	34	branches	branch	NOUN
cjfa-45177	67	35	did	do	AUX
cjfa-45177	67	36	not	not	PART
cjfa-45177	67	37	translate	translate	VERB
cjfa-45177	67	38	into	into	ADP
cjfa-45177	67	39	an	an	DET
cjfa-45177	67	40	increase	increase	NOUN
cjfa-45177	67	41	in	in	ADP
cjfa-45177	67	42	the	the	DET
cjfa-45177	67	43	actual	actual	ADJ
cjfa-45177	67	44	use	use	NOUN
cjfa-45177	67	45	of	of	ADP
cjfa-45177	67	46	these	these	DET
cjfa-45177	67	47	financial	financial	ADJ
cjfa-45177	67	48	services	service	NOUN
cjfa-45177	67	49	by	by	ADP
cjfa-45177	67	50	poor	poor	ADJ
cjfa-45177	67	51	households	household	NOUN
cjfa-45177	67	52	.	.	PUNCT
cjfa-45177	68	1	zhang	zhang	PROPN
cjfa-45177	68	2	and	and	CCONJ
cjfa-45177	68	3	posso	posso	PROPN
cjfa-45177	68	4	(	(	PUNCT
cjfa-45177	68	5	2019	2019	NUM
cjfa-45177	68	6	)	)	PUNCT
cjfa-45177	68	7	found	find	VERB
cjfa-45177	68	8	that	that	SCONJ
cjfa-45177	68	9	financial	financial	ADJ
cjfa-45177	68	10	inclusion	inclusion	NOUN
cjfa-45177	68	11	has	have	VERB
cjfa-45177	68	12	a	a	DET
cjfa-45177	68	13	positive	positive	ADJ
cjfa-45177	68	14	effect	effect	NOUN
cjfa-45177	68	15	on	on	ADP
cjfa-45177	68	16	household	household	NOUN
cjfa-45177	68	17	income	income	NOUN
cjfa-45177	68	18	in	in	ADP
cjfa-45177	68	19	china	china	PROPN
cjfa-45177	68	20	and	and	CCONJ
cjfa-45177	68	21	that	that	SCONJ
cjfa-45177	68	22	this	this	DET
cjfa-45177	68	23	effect	effect	NOUN
cjfa-45177	68	24	is	be	AUX
cjfa-45177	68	25	larger	large	ADJ
cjfa-45177	68	26	for	for	ADP
cjfa-45177	68	27	households	household	NOUN
cjfa-45177	68	28	in	in	ADP
cjfa-45177	68	29	the	the	DET
cjfa-45177	68	30	lower	low	ADJ
cjfa-45177	68	31	quantiles	quantile	NOUN
cjfa-45177	68	32	of	of	ADP
cjfa-45177	68	33	the	the	DET
cjfa-45177	68	34	income	income	NOUN
cjfa-45177	68	35	distribution	distribution	NOUN
cjfa-45177	68	36	,	,	PUNCT
cjfa-45177	68	37	indicating	indicate	VERB
cjfa-45177	68	38	that	that	SCONJ
cjfa-45177	68	39	it	it	PRON
cjfa-45177	68	40	reduces	reduce	VERB
cjfa-45177	68	41	inequality	inequality	NOUN
cjfa-45177	68	42	.	.	PUNCT
cjfa-45177	69	1	in	in	ADP
cjfa-45177	69	2	contrast	contrast	NOUN
cjfa-45177	69	3	,	,	PUNCT
cjfa-45177	69	4	six	six	NUM
cjfa-45177	69	5	randomised	randomised	ADJ
cjfa-45177	69	6	controlled	control	VERB
cjfa-45177	69	7	trials	trial	NOUN
cjfa-45177	69	8	conducted	conduct	VERB
cjfa-45177	69	9	in	in	ADP
cjfa-45177	69	10	mexico	mexico	PROPN
cjfa-45177	69	11	,	,	PUNCT
cjfa-45177	69	12	mongolia	mongolia	PROPN
cjfa-45177	69	13	,	,	PUNCT
cjfa-45177	69	14	bosnia	bosnia	PROPN
cjfa-45177	69	15	,	,	PUNCT
cjfa-45177	69	16	india	india	PROPN
cjfa-45177	69	17	,	,	PUNCT
cjfa-45177	69	18	ethiopia	ethiopia	PROPN
cjfa-45177	69	19	and	and	CCONJ
cjfa-45177	69	20	morocco	morocco	PROPN
cjfa-45177	69	21	;	;	PUNCT
cjfa-45177	69	22	found	find	VERB
cjfa-45177	69	23	no	no	DET
cjfa-45177	69	24	robust	robust	ADJ
cjfa-45177	69	25	evidence	evidence	NOUN
cjfa-45177	69	26	of	of	ADP
cjfa-45177	69	27	a	a	DET
cjfa-45177	69	28	positive	positive	ADJ
cjfa-45177	69	29	impact	impact	NOUN
cjfa-45177	69	30	of	of	ADP
cjfa-45177	69	31	household	household	NOUN
cjfa-45177	69	32	participation	participation	NOUN
cjfa-45177	69	33	in	in	ADP
cjfa-45177	69	34	microcredit	microcredit	NOUN
cjfa-45177	69	35	programmes	programme	NOUN
cjfa-45177	69	36	on	on	ADP
cjfa-45177	69	37	household	household	NOUN
cjfa-45177	69	38	income	income	NOUN
cjfa-45177	69	39	(	(	PUNCT
cjfa-45177	69	40	angelucci	angelucci	PROPN
cjfa-45177	69	41	,	,	PUNCT
cjfa-45177	69	42	karlan	karlan	PROPN
cjfa-45177	69	43	&	&	CCONJ
cjfa-45177	69	44	zinman	zinman	PROPN
cjfa-45177	69	45	,	,	PUNCT
cjfa-45177	69	46	2015	2015	NUM
cjfa-45177	69	47	;	;	PUNCT
cjfa-45177	69	48	augsburg	augsburg	PROPN
cjfa-45177	69	49	,	,	PUNCT
cjfa-45177	69	50	de	de	PROPN
cjfa-45177	69	51	haas	haas	PROPN
cjfa-45177	69	52	,	,	PUNCT
cjfa-45177	69	53	harmgart	harmgart	PROPN
cjfa-45177	69	54	&	&	CCONJ
cjfa-45177	69	55	meghir	meghir	NOUN
cjfa-45177	69	56	,	,	PUNCT
cjfa-45177	69	57	2015	2015	NUM
cjfa-45177	69	58	;	;	PUNCT
cjfa-45177	69	59	banerjee	banerjee	PROPN
cjfa-45177	69	60	&	&	CCONJ
cjfa-45177	69	61	newman	newman	PROPN
cjfa-45177	69	62	,	,	PUNCT
cjfa-45177	69	63	1993	1993	NUM
cjfa-45177	69	64	)	)	PUNCT
cjfa-45177	69	65	.	.	PUNCT
cjfa-45177	70	1	fintech	fintech	NOUN
cjfa-45177	70	2	’s	’s	PART
cjfa-45177	70	3	contribution	contribution	NOUN
cjfa-45177	70	4	to	to	ADP
cjfa-45177	70	5	financial	financial	ADJ
cjfa-45177	70	6	inclusion	inclusion	NOUN
cjfa-45177	70	7	fintech	fintech	NOUN
cjfa-45177	70	8	’s	’s	PART
cjfa-45177	70	9	contribution	contribution	NOUN
cjfa-45177	70	10	to	to	ADP
cjfa-45177	70	11	financial	financial	ADJ
cjfa-45177	70	12	inclusion	inclusion	NOUN
cjfa-45177	70	13	during	during	ADP
cjfa-45177	70	14	the	the	DET
cjfa-45177	70	15	coronavirus	coronavirus	NOUN
cjfa-45177	70	16	pandemicduring	pandemicdure	VERB
cjfa-45177	70	17	the	the	DET
cjfa-45177	70	18	coronavirus	coronavirus	NOUN
cjfa-45177	70	19	pandemic	pandemic	ADJ
cjfa-45177	70	20	access	access	NOUN
cjfa-45177	70	21	to	to	ADP
cjfa-45177	70	22	financial	financial	ADJ
cjfa-45177	70	23	services	service	NOUN
cjfa-45177	70	24	is	be	AUX
cjfa-45177	70	25	also	also	ADV
cjfa-45177	70	26	considered	consider	VERB
cjfa-45177	70	27	one	one	NUM
cjfa-45177	70	28	of	of	ADP
cjfa-45177	70	29	the	the	DET
cjfa-45177	70	30	main	main	ADJ
cjfa-45177	70	31	challenges	challenge	NOUN
cjfa-45177	70	32	that	that	PRON
cjfa-45177	70	33	communities	community	NOUN
cjfa-45177	70	34	face	face	VERB
cjfa-45177	70	35	during	during	ADP
cjfa-45177	70	36	crises	crisis	NOUN
cjfa-45177	70	37	such	such	ADJ
cjfa-45177	70	38	as	as	ADP
cjfa-45177	70	39	covid-19	covid-19	PROPN
cjfa-45177	70	40	.	.	PUNCT
cjfa-45177	71	1	al	al	PROPN
cjfa-45177	71	2	-	-	PUNCT
cjfa-45177	71	3	nawayseh	nawayseh	PROPN
cjfa-45177	71	4	’s	’s	PART
cjfa-45177	71	5	(	(	PUNCT
cjfa-45177	71	6	2020	2020	NUM
cjfa-45177	71	7	)	)	PUNCT
cjfa-45177	71	8	study	study	NOUN
cjfa-45177	71	9	analysed	analyse	VERB
cjfa-45177	71	10	the	the	DET
cjfa-45177	71	11	role	role	NOUN
cjfa-45177	71	12	of	of	ADP
cjfa-45177	71	13	fintech	fintech	NOUN
cjfa-45177	71	14	applications	application	NOUN
cjfa-45177	71	15	in	in	ADP
cjfa-45177	71	16	building	build	VERB
cjfa-45177	71	17	resilience	resilience	NOUN
cjfa-45177	71	18	during	during	ADP
cjfa-45177	71	19	the	the	DET
cjfa-45177	71	20	covid-19	covid-19	PROPN
cjfa-45177	71	21	pandemic	pandemic	NOUN
cjfa-45177	71	22	on	on	ADP
cjfa-45177	71	23	the	the	DET
cjfa-45177	71	24	one	one	NUM
cjfa-45177	71	25	hand	hand	NOUN
cjfa-45177	71	26	,	,	PUNCT
cjfa-45177	71	27	and	and	CCONJ
cjfa-45177	71	28	the	the	DET
cjfa-45177	71	29	determinants	determinant	NOUN
cjfa-45177	71	30	of	of	ADP
cjfa-45177	71	31	the	the	DET
cjfa-45177	71	32	use	use	NOUN
cjfa-45177	71	33	of	of	ADP
cjfa-45177	71	34	these	these	DET
cjfa-45177	71	35	applications	application	NOUN
cjfa-45177	71	36	by	by	ADP
cjfa-45177	71	37	jordanian	jordanian	ADJ
cjfa-45177	71	38	population	population	NOUN
cjfa-45177	71	39	on	on	ADP
cjfa-45177	71	40	the	the	DET
cjfa-45177	71	41	other	other	ADJ
cjfa-45177	71	42	.	.	PUNCT
cjfa-45177	72	1	her	her	PRON
cjfa-45177	72	2	results	result	NOUN
cjfa-45177	72	3	indicate	indicate	VERB
cjfa-45177	72	4	that	that	SCONJ
cjfa-45177	72	5	the	the	DET
cjfa-45177	72	6	competitive	competitive	ADJ
cjfa-45177	72	7	advantages	advantage	NOUN
cjfa-45177	72	8	of	of	ADP
cjfa-45177	72	9	fintech	fintech	NOUN
cjfa-45177	72	10	applications	application	NOUN
cjfa-45177	72	11	and	and	CCONJ
cjfa-45177	72	12	social	social	ADJ
cjfa-45177	72	13	norms	norm	NOUN
cjfa-45177	72	14	significantly	significantly	ADV
cjfa-45177	72	15	affect	affect	VERB
cjfa-45177	72	16	the	the	DET
cjfa-45177	72	17	intention	intention	NOUN
cjfa-45177	72	18	to	to	PART
cjfa-45177	72	19	use	use	VERB
cjfa-45177	72	20	these	these	DET
cjfa-45177	72	21	applications	application	NOUN
cjfa-45177	72	22	.	.	PUNCT
cjfa-45177	73	1	fu	fu	PROPN
cjfa-45177	73	2	and	and	CCONJ
cjfa-45177	73	3	mishra	mishra	PROPN
cjfa-45177	73	4	(	(	PUNCT
cjfa-45177	73	5	2020	2020	NUM
cjfa-45177	73	6	)	)	PUNCT
cjfa-45177	73	7	use	use	VERB
cjfa-45177	73	8	mobile	mobile	ADJ
cjfa-45177	73	9	app	app	NOUN
cjfa-45177	73	10	usage	usage	NOUN
cjfa-45177	73	11	data	datum	NOUN
cjfa-45177	73	12	from	from	ADP
cjfa-45177	73	13	74	74	NUM
cjfa-45177	73	14	countries	country	NOUN
cjfa-45177	73	15	to	to	PART
cjfa-45177	73	16	document	document	VERB
cjfa-45177	73	17	the	the	DET
cjfa-45177	73	18	effects	effect	NOUN
cjfa-45177	73	19	of	of	ADP
cjfa-45177	73	20	the	the	DET
cjfa-45177	73	21	covid-19	covid-19	PROPN
cjfa-45177	73	22	pandemic	pandemic	NOUN
cjfa-45177	73	23	on	on	ADP
cjfa-45177	73	24	fintech	fintech	NOUN
cjfa-45177	73	25	adoption	adoption	NOUN
cjfa-45177	73	26	.	.	PUNCT
cjfa-45177	74	1	they	they	PRON
cjfa-45177	74	2	find	find	VERB
cjfa-45177	74	3	that	that	SCONJ
cjfa-45177	74	4	the	the	DET
cjfa-45177	74	5	spread	spread	NOUN
cjfa-45177	74	6	of	of	ADP
cjfa-45177	74	7	covid-19	covid-19	PROPN
cjfa-45177	74	8	and	and	CCONJ
cjfa-45177	74	9	government	government	NOUN
cjfa-45177	74	10	blockades	blockade	NOUN
cjfa-45177	74	11	led	lead	VERB
cjfa-45177	74	12	to	to	ADP
cjfa-45177	74	13	an	an	DET
cjfa-45177	74	14	increase	increase	NOUN
cjfa-45177	74	15	of	of	ADP
cjfa-45177	74	16	24	24	NUM
cjfa-45177	74	17	%	%	NOUN
cjfa-45177	74	18	to	to	PART
cjfa-45177	74	19	32	32	NUM
cjfa-45177	74	20	%	%	NOUN
cjfa-45177	74	21	in	in	ADP
cjfa-45177	74	22	the	the	DET
cjfa-45177	74	23	daily	daily	ADJ
cjfa-45177	74	24	download	download	NOUN
cjfa-45177	74	25	rate	rate	NOUN
cjfa-45177	74	26	of	of	ADP
cjfa-45177	74	27	fintech	fintech	NOUN
cjfa-45177	74	28	apps	app	NOUN
cjfa-45177	74	29	.	.	PUNCT
cjfa-45177	75	1	it	it	PRON
cjfa-45177	75	2	can	can	AUX
cjfa-45177	75	3	be	be	AUX
cjfa-45177	75	4	seen	see	VERB
cjfa-45177	75	5	that	that	SCONJ
cjfa-45177	75	6	even	even	ADV
cjfa-45177	75	7	technological	technological	ADJ
cjfa-45177	75	8	risks	risk	NOUN
cjfa-45177	75	9	do	do	AUX
cjfa-45177	75	10	not	not	PART
cjfa-45177	75	11	seem	seem	VERB
cjfa-45177	75	12	to	to	PART
cjfa-45177	75	13	dampen	dampen	VERB
cjfa-45177	75	14	the	the	DET
cjfa-45177	75	15	intention	intention	NOUN
cjfa-45177	75	16	to	to	PART
cjfa-45177	75	17	use	use	VERB
cjfa-45177	75	18	these	these	DET
cjfa-45177	75	19	fintech	fintech	NOUN
cjfa-45177	75	20	applications	application	NOUN
cjfa-45177	75	21	(	(	PUNCT
cjfa-45177	75	22	alnawayseh	alnawayseh	PROPN
cjfa-45177	75	23	,	,	PUNCT
cjfa-45177	75	24	2020	2020	NUM
cjfa-45177	75	25	)	)	PUNCT
cjfa-45177	75	26	.	.	PUNCT
cjfa-45177	76	1	wulli	wulli	PROPN
cjfa-45177	76	2	faustin	faustin	PROPN
cjfa-45177	76	3	djoufouet	djoufouet	PROPN
cjfa-45177	76	4	,	,	PUNCT
cjfa-45177	76	5	thierry	thierry	NOUN
cjfa-45177	76	6	messie	messie	PROPN
cjfa-45177	76	7	pondie7474	pondie7474	PROPN
cjfa-45177	76	8	in	in	ADP
cjfa-45177	76	9	this	this	DET
cjfa-45177	76	10	time	time	NOUN
cjfa-45177	76	11	of	of	ADP
cjfa-45177	76	12	covid-19	covid-19	PROPN
cjfa-45177	76	13	health	health	NOUN
cjfa-45177	76	14	crisis	crisis	NOUN
cjfa-45177	76	15	,	,	PUNCT
cjfa-45177	76	16	fintech	fintech	NOUN
cjfa-45177	76	17	not	not	PART
cjfa-45177	76	18	only	only	ADV
cjfa-45177	76	19	facilitates	facilitate	VERB
cjfa-45177	76	20	access	access	NOUN
cjfa-45177	76	21	to	to	ADP
cjfa-45177	76	22	financial	financial	ADJ
cjfa-45177	76	23	services	service	NOUN
cjfa-45177	76	24	(	(	PUNCT
cjfa-45177	76	25	contactless	contactless	NOUN
cjfa-45177	76	26	payments	payment	NOUN
cjfa-45177	76	27	,	,	PUNCT
cjfa-45177	76	28	withdrawing	withdraw	VERB
cjfa-45177	76	29	and	and	CCONJ
cjfa-45177	76	30	depositing	deposit	VERB
cjfa-45177	76	31	funds	fund	NOUN
cjfa-45177	76	32	,	,	PUNCT
cjfa-45177	76	33	sending	send	VERB
cjfa-45177	76	34	and	and	CCONJ
cjfa-45177	76	35	receiving	receive	VERB
cjfa-45177	76	36	funds	fund	NOUN
cjfa-45177	76	37	)	)	PUNCT
cjfa-45177	76	38	,	,	PUNCT
cjfa-45177	76	39	but	but	CCONJ
cjfa-45177	76	40	also	also	ADV
cjfa-45177	76	41	saves	save	VERB
cjfa-45177	76	42	money	money	NOUN
cjfa-45177	76	43	and	and	CCONJ
cjfa-45177	76	44	time	time	NOUN
cjfa-45177	76	45	.	.	PUNCT
cjfa-45177	77	1	financial	financial	ADJ
cjfa-45177	77	2	transactions	transaction	NOUN
cjfa-45177	77	3	with	with	ADP
cjfa-45177	77	4	fintech	fintech	NOUN
cjfa-45177	77	5	applications	application	NOUN
cjfa-45177	77	6	are	be	AUX
cjfa-45177	77	7	faster	fast	ADJ
cjfa-45177	77	8	and	and	CCONJ
cjfa-45177	77	9	can	can	AUX
cjfa-45177	77	10	be	be	AUX
cjfa-45177	77	11	done	do	VERB
cjfa-45177	77	12	remotely	remotely	ADV
cjfa-45177	77	13	.	.	PUNCT
cjfa-45177	78	1	furthermore	furthermore	ADV
cjfa-45177	78	2	,	,	PUNCT
cjfa-45177	78	3	najaf	najaf	NOUN
cjfa-45177	78	4	,	,	PUNCT
cjfa-45177	78	5	subramaniamb	subramaniamb	NOUN
cjfa-45177	78	6	and	and	CCONJ
cjfa-45177	78	7	atayah	atayah	NOUN
cjfa-45177	78	8	(	(	PUNCT
cjfa-45177	78	9	2021	2021	NUM
cjfa-45177	78	10	)	)	PUNCT
cjfa-45177	78	11	explain	explain	VERB
cjfa-45177	78	12	that	that	SCONJ
cjfa-45177	78	13	peer	peer	NOUN
cjfa-45177	78	14	-	-	PUNCT
cjfa-45177	78	15	to	to	ADP
cjfa-45177	78	16	-	-	PUNCT
cjfa-45177	78	17	peer	peer	NOUN
cjfa-45177	78	18	lending	lending	NOUN
cjfa-45177	78	19	platforms	platform	NOUN
cjfa-45177	78	20	attracted	attract	VERB
cjfa-45177	78	21	more	more	ADJ
cjfa-45177	78	22	borrowers	borrower	NOUN
cjfa-45177	78	23	with	with	ADP
cjfa-45177	78	24	little	little	ADJ
cjfa-45177	78	25	or	or	CCONJ
cjfa-45177	78	26	no	no	PRON
cjfa-45177	78	27	access	access	NOUN
cjfa-45177	78	28	to	to	ADP
cjfa-45177	78	29	credit	credit	NOUN
cjfa-45177	78	30	facilities	facility	NOUN
cjfa-45177	78	31	offered	offer	VERB
cjfa-45177	78	32	by	by	ADP
cjfa-45177	78	33	conventional	conventional	ADJ
cjfa-45177	78	34	banks	bank	NOUN
cjfa-45177	78	35	during	during	ADP
cjfa-45177	78	36	the	the	DET
cjfa-45177	78	37	pandemic	pandemic	NOUN
cjfa-45177	78	38	.	.	PUNCT
cjfa-45177	79	1	their	their	PRON
cjfa-45177	79	2	results	result	NOUN
cjfa-45177	79	3	indicate	indicate	VERB
cjfa-45177	79	4	that	that	SCONJ
cjfa-45177	79	5	fintech	fintech	NOUN
cjfa-45177	79	6	peer	peer	NOUN
cjfa-45177	79	7	to	to	ADP
cjfa-45177	79	8	peer	peer	NOUN
cjfa-45177	79	9	lending	lending	NOUN
cjfa-45177	79	10	has	have	AUX
cjfa-45177	79	11	become	become	VERB
cjfa-45177	79	12	the	the	DET
cjfa-45177	79	13	most	most	ADV
cjfa-45177	79	14	viable	viable	ADJ
cjfa-45177	79	15	alternative	alternative	ADJ
cjfa-45177	79	16	credit	credit	NOUN
cjfa-45177	79	17	option	option	NOUN
cjfa-45177	79	18	available	available	ADJ
cjfa-45177	79	19	to	to	ADP
cjfa-45177	79	20	borrowers	borrower	NOUN
cjfa-45177	79	21	.	.	PUNCT
cjfa-45177	80	1	krasnyuk	krasnyuk	NOUN
cjfa-45177	80	2	,	,	PUNCT
cjfa-45177	80	3	tkalenko	tkalenko	NOUN
cjfa-45177	80	4	and	and	CCONJ
cjfa-45177	80	5	krasniuk	krasniuk	NOUN
cjfa-45177	80	6	(	(	PUNCT
cjfa-45177	80	7	2021	2021	NUM
cjfa-45177	80	8	)	)	PUNCT
cjfa-45177	80	9	showed	show	VERB
cjfa-45177	80	10	that	that	SCONJ
cjfa-45177	80	11	the	the	DET
cjfa-45177	80	12	presence	presence	NOUN
cjfa-45177	80	13	of	of	ADP
cjfa-45177	80	14	covid-19	covid-19	PROPN
cjfa-45177	80	15	contributed	contribute	VERB
cjfa-45177	80	16	to	to	ADP
cjfa-45177	80	17	the	the	DET
cjfa-45177	80	18	growth	growth	NOUN
cjfa-45177	80	19	of	of	ADP
cjfa-45177	80	20	fintech	fintech	NOUN
cjfa-45177	80	21	and	and	CCONJ
cjfa-45177	80	22	financial	financial	ADJ
cjfa-45177	80	23	inclusion	inclusion	NOUN
cjfa-45177	80	24	in	in	ADP
cjfa-45177	80	25	different	different	ADJ
cjfa-45177	80	26	countries	country	NOUN
cjfa-45177	80	27	.	.	PUNCT
cjfa-45177	81	1	from	from	ADP
cjfa-45177	81	2	the	the	DET
cjfa-45177	81	3	above	above	NOUN
cjfa-45177	81	4	,	,	PUNCT
cjfa-45177	81	5	it	it	PRON
cjfa-45177	81	6	can	can	AUX
cjfa-45177	81	7	be	be	AUX
cjfa-45177	81	8	said	say	VERB
cjfa-45177	81	9	that	that	SCONJ
cjfa-45177	81	10	the	the	DET
cjfa-45177	81	11	impact	impact	NOUN
cjfa-45177	81	12	of	of	ADP
cjfa-45177	81	13	fintech	fintech	NOUN
cjfa-45177	81	14	on	on	ADP
cjfa-45177	81	15	financial	financial	ADJ
cjfa-45177	81	16	inclusion	inclusion	NOUN
cjfa-45177	81	17	would	would	AUX
cjfa-45177	81	18	vary	vary	VERB
cjfa-45177	81	19	according	accord	VERB
cjfa-45177	81	20	to	to	ADP
cjfa-45177	81	21	certain	certain	ADJ
cjfa-45177	81	22	well	well	ADV
cjfa-45177	81	23	-	-	PUNCT
cjfa-45177	81	24	determined	determine	VERB
cjfa-45177	81	25	contingency	contingency	NOUN
cjfa-45177	81	26	factors	factor	NOUN
cjfa-45177	81	27	.	.	PUNCT
cjfa-45177	82	1	the	the	DET
cjfa-45177	82	2	present	present	ADJ
cjfa-45177	82	3	study	study	NOUN
cjfa-45177	82	4	thus	thus	ADV
cjfa-45177	82	5	focuses	focus	VERB
cjfa-45177	82	6	on	on	ADP
cjfa-45177	82	7	sub	sub	ADJ
cjfa-45177	82	8	-	-	ADJ
cjfa-45177	82	9	saharan	saharan	ADJ
cjfa-45177	82	10	africa	africa	PROPN
cjfa-45177	82	11	where	where	SCONJ
cjfa-45177	82	12	the	the	DET
cjfa-45177	82	13	level	level	NOUN
cjfa-45177	82	14	of	of	ADP
cjfa-45177	82	15	financial	financial	ADJ
cjfa-45177	82	16	literacy	literacy	NOUN
cjfa-45177	82	17	is	be	AUX
cjfa-45177	82	18	still	still	ADV
cjfa-45177	82	19	low	low	ADJ
cjfa-45177	82	20	.	.	PUNCT
cjfa-45177	83	1	research	research	NOUN
cjfa-45177	83	2	methodologyresearch	methodologyresearch	NOUN
cjfa-45177	83	3	methodology	methodology	NOUN
cjfa-45177	83	4	this	this	DET
cjfa-45177	83	5	section	section	NOUN
cjfa-45177	83	6	presents	present	VERB
cjfa-45177	83	7	the	the	DET
cjfa-45177	83	8	research	research	NOUN
cjfa-45177	83	9	methodology	methodology	NOUN
cjfa-45177	83	10	used	use	VERB
cjfa-45177	83	11	in	in	ADP
cjfa-45177	83	12	this	this	DET
cjfa-45177	83	13	study	study	NOUN
cjfa-45177	83	14	.	.	PUNCT
cjfa-45177	84	1	it	it	PRON
cjfa-45177	84	2	includes	include	VERB
cjfa-45177	84	3	the	the	DET
cjfa-45177	84	4	presentation	presentation	NOUN
cjfa-45177	84	5	of	of	ADP
cjfa-45177	84	6	the	the	DET
cjfa-45177	84	7	study	study	NOUN
cjfa-45177	84	8	data	datum	NOUN
cjfa-45177	84	9	and	and	CCONJ
cjfa-45177	84	10	variables	variable	NOUN
cjfa-45177	84	11	,	,	PUNCT
cjfa-45177	84	12	the	the	DET
cjfa-45177	84	13	estimation	estimation	NOUN
cjfa-45177	84	14	techniques	technique	NOUN
cjfa-45177	84	15	and	and	CCONJ
cjfa-45177	84	16	the	the	DET
cjfa-45177	84	17	econometric	econometric	ADJ
cjfa-45177	84	18	model	model	NOUN
cjfa-45177	84	19	.	.	PUNCT
cjfa-45177	85	1	descriptions	description	NOUN
cjfa-45177	85	2	of	of	ADP
cjfa-45177	85	3	the	the	DET
cjfa-45177	85	4	study	study	NOUN
cjfa-45177	85	5	data	datum	NOUN
cjfa-45177	85	6	and	and	CCONJ
cjfa-45177	85	7	variablesdescriptions	variablesdescription	NOUN
cjfa-45177	85	8	of	of	ADP
cjfa-45177	85	9	the	the	DET
cjfa-45177	85	10	study	study	NOUN
cjfa-45177	85	11	data	datum	NOUN
cjfa-45177	85	12	and	and	CCONJ
cjfa-45177	85	13	variables	variable	NOUN
cjfa-45177	85	14	to	to	PART
cjfa-45177	85	15	meet	meet	VERB
cjfa-45177	85	16	the	the	DET
cjfa-45177	85	17	target	target	NOUN
cjfa-45177	85	18	,	,	PUNCT
cjfa-45177	85	19	data	datum	NOUN
cjfa-45177	85	20	was	be	AUX
cjfa-45177	85	21	collected	collect	VERB
cjfa-45177	85	22	on	on	ADP
cjfa-45177	85	23	35	35	NUM
cjfa-45177	85	24	sub	sub	ADJ
cjfa-45177	85	25	-	-	ADJ
cjfa-45177	85	26	saharan	saharan	ADJ
cjfa-45177	85	27	african	african	ADJ
cjfa-45177	85	28	countries	country	NOUN
cjfa-45177	85	29	over	over	ADP
cjfa-45177	85	30	a	a	DET
cjfa-45177	85	31	period	period	NOUN
cjfa-45177	85	32	from	from	ADP
cjfa-45177	85	33	2011	2011	NUM
cjfa-45177	85	34	to	to	ADP
cjfa-45177	85	35	2020	2020	NUM
cjfa-45177	85	36	.	.	PUNCT
cjfa-45177	86	1	it	it	PRON
cjfa-45177	86	2	is	be	AUX
cjfa-45177	86	3	important	important	ADJ
cjfa-45177	86	4	to	to	PART
cjfa-45177	86	5	note	note	VERB
cjfa-45177	86	6	that	that	SCONJ
cjfa-45177	86	7	the	the	DET
cjfa-45177	86	8	database	database	NOUN
cjfa-45177	86	9	requested	request	VERB
cjfa-45177	86	10	for	for	ADP
cjfa-45177	86	11	this	this	DET
cjfa-45177	86	12	work	work	NOUN
cjfa-45177	86	13	(	(	PUNCT
cjfa-45177	86	14	global	global	ADJ
cjfa-45177	86	15	findex	findex	NOUN
cjfa-45177	86	16	)	)	PUNCT
cjfa-45177	86	17	presents	present	VERB
cjfa-45177	86	18	three	three	NUM
cjfa-45177	86	19	-	-	PUNCT
cjfa-45177	86	20	yearly	yearly	ADJ
cjfa-45177	86	21	data	datum	NOUN
cjfa-45177	86	22	.	.	PUNCT
cjfa-45177	87	1	thus	thus	ADV
cjfa-45177	87	2	,	,	PUNCT
cjfa-45177	87	3	to	to	PART
cjfa-45177	87	4	have	have	VERB
cjfa-45177	87	5	a	a	DET
cjfa-45177	87	6	panel	panel	NOUN
cjfa-45177	87	7	spread	spread	VERB
cjfa-45177	87	8	over	over	ADP
cjfa-45177	87	9	our	our	PRON
cjfa-45177	87	10	study	study	NOUN
cjfa-45177	87	11	period	period	NOUN
cjfa-45177	87	12	,	,	PUNCT
cjfa-45177	87	13	we	we	PRON
cjfa-45177	87	14	had	have	VERB
cjfa-45177	87	15	to	to	PART
cjfa-45177	87	16	apply	apply	VERB
cjfa-45177	87	17	the	the	DET
cjfa-45177	87	18	exponential	exponential	ADJ
cjfa-45177	87	19	smoothing	smoothing	NOUN
cjfa-45177	87	20	method	method	NOUN
cjfa-45177	87	21	.	.	PUNCT
cjfa-45177	88	1	data	datum	NOUN
cjfa-45177	88	2	on	on	ADP
cjfa-45177	88	3	fintech	fintech	NOUN
cjfa-45177	88	4	and	and	CCONJ
cjfa-45177	88	5	financial	financial	ADJ
cjfa-45177	88	6	inclusion	inclusion	NOUN
cjfa-45177	88	7	were	be	AUX
cjfa-45177	88	8	collected	collect	VERB
cjfa-45177	88	9	from	from	ADP
cjfa-45177	88	10	the	the	DET
cjfa-45177	88	11	international	international	ADJ
cjfa-45177	88	12	telecommunication	telecommunication	NOUN
cjfa-45177	88	13	union	union	NOUN
cjfa-45177	88	14	and	and	CCONJ
cjfa-45177	88	15	global	global	ADJ
cjfa-45177	88	16	findex	findex	NOUN
cjfa-45177	88	17	databases	database	NOUN
cjfa-45177	88	18	,	,	PUNCT
cjfa-45177	88	19	respectively	respectively	ADV
cjfa-45177	88	20	.	.	PUNCT
cjfa-45177	89	1	data	datum	NOUN
cjfa-45177	89	2	on	on	ADP
cjfa-45177	89	3	control	control	NOUN
cjfa-45177	89	4	variables	variable	NOUN
cjfa-45177	89	5	were	be	AUX
cjfa-45177	89	6	collected	collect	VERB
cjfa-45177	89	7	from	from	ADP
cjfa-45177	89	8	the	the	DET
cjfa-45177	89	9	world	world	NOUN
cjfa-45177	89	10	development	development	NOUN
cjfa-45177	89	11	indicator	indicator	NOUN
cjfa-45177	89	12	and	and	CCONJ
cjfa-45177	89	13	worldwide	worldwide	ADJ
cjfa-45177	89	14	governance	governance	NOUN
cjfa-45177	89	15	indicators	indicator	NOUN
cjfa-45177	89	16	databases	database	NOUN
cjfa-45177	89	17	.	.	PUNCT
cjfa-45177	90	1	in	in	ADP
cjfa-45177	90	2	this	this	DET
cjfa-45177	90	3	study	study	NOUN
cjfa-45177	90	4	,	,	PUNCT
cjfa-45177	90	5	financial	financial	ADJ
cjfa-45177	90	6	inclusion	inclusion	NOUN
cjfa-45177	90	7	,	,	PUNCT
cjfa-45177	90	8	a	a	DET
cjfa-45177	90	9	dependent	dependent	ADJ
cjfa-45177	90	10	variable	variable	NOUN
cjfa-45177	90	11	,	,	PUNCT
cjfa-45177	90	12	is	be	AUX
cjfa-45177	90	13	measured	measure	VERB
cjfa-45177	90	14	by	by	ADP
cjfa-45177	90	15	the	the	DET
cjfa-45177	90	16	population	population	NOUN
cjfa-45177	90	17	’s	’s	PART
cjfa-45177	90	18	access	access	NOUN
cjfa-45177	90	19	to	to	ADP
cjfa-45177	90	20	and	and	CCONJ
cjfa-45177	90	21	use	use	NOUN
cjfa-45177	90	22	of	of	ADP
cjfa-45177	90	23	financial	financial	ADJ
cjfa-45177	90	24	services	service	NOUN
cjfa-45177	90	25	(	(	PUNCT
cjfa-45177	90	26	allen	allen	PROPN
cjfa-45177	90	27	,	,	PUNCT
cjfa-45177	90	28	demirguc	demirguc	PROPN
cjfa-45177	90	29	-	-	PUNCT
cjfa-45177	90	30	kunt	kunt	PROPN
cjfa-45177	90	31	,	,	PUNCT
cjfa-45177	90	32	klapper	klapper	PROPN
cjfa-45177	90	33	&	&	CCONJ
cjfa-45177	90	34	martinez	martinez	PROPN
cjfa-45177	90	35	peria	peria	PROPN
cjfa-45177	90	36	,	,	PUNCT
cjfa-45177	90	37	2016	2016	NUM
cjfa-45177	90	38	)	)	PUNCT
cjfa-45177	90	39	.	.	PUNCT
cjfa-45177	91	1	based	base	VERB
cjfa-45177	91	2	on	on	ADP
cjfa-45177	91	3	the	the	DET
cjfa-45177	91	4	work	work	NOUN
cjfa-45177	91	5	of	of	ADP
cjfa-45177	91	6	oecd	oecd	PROPN
cjfa-45177	91	7	and	and	CCONJ
cjfa-45177	91	8	jrc	jrc	PROPN
cjfa-45177	91	9	(	(	PUNCT
cjfa-45177	91	10	2008	2008	NUM
cjfa-45177	91	11	)	)	PUNCT
cjfa-45177	91	12	,	,	PUNCT
cjfa-45177	91	13	sarma	sarma	PROPN
cjfa-45177	91	14	(	(	PUNCT
cjfa-45177	91	15	2012	2012	NUM
cjfa-45177	91	16	)	)	PUNCT
cjfa-45177	91	17	,	,	PUNCT
cjfa-45177	91	18	yorulmaz	yorulmaz	NOUN
cjfa-45177	91	19	(	(	PUNCT
cjfa-45177	91	20	2018	2018	NUM
cjfa-45177	91	21	)	)	PUNCT
cjfa-45177	91	22	and	and	CCONJ
cjfa-45177	91	23	tram	tram	PROPN
cjfa-45177	91	24	,	,	PUNCT
cjfa-45177	91	25	lai	lai	PROPN
cjfa-45177	91	26	and	and	CCONJ
cjfa-45177	91	27	nguyen	nguyen	NOUN
cjfa-45177	91	28	(	(	PUNCT
cjfa-45177	91	29	2021	2021	NUM
cjfa-45177	91	30	)	)	PUNCT
cjfa-45177	91	31	,	,	PUNCT
cjfa-45177	91	32	a	a	DET
cjfa-45177	91	33	financial	financial	ADJ
cjfa-45177	91	34	impacts	impact	NOUN
cjfa-45177	91	35	of	of	ADP
cjfa-45177	91	36	fintech	fintech	NOUN
cjfa-45177	91	37	on	on	ADP
cjfa-45177	91	38	financial	financial	ADJ
cjfa-45177	91	39	inclusion	inclusion	NOUN
cjfa-45177	91	40	…	…	PUNCT
cjfa-45177	91	41	7575	7575	NUM
cjfa-45177	91	42	inclusion	inclusion	NOUN
cjfa-45177	91	43	index	index	NOUN
cjfa-45177	91	44	was	be	AUX
cjfa-45177	91	45	constructed	construct	VERB
cjfa-45177	91	46	from	from	ADP
cjfa-45177	91	47	six	six	NUM
cjfa-45177	91	48	financial	financial	ADJ
cjfa-45177	91	49	inclusion	inclusion	NOUN
cjfa-45177	91	50	variables	variable	NOUN
cjfa-45177	91	51	.	.	PUNCT
cjfa-45177	92	1	the	the	DET
cjfa-45177	92	2	construction	construction	NOUN
cjfa-45177	92	3	technique	technique	NOUN
cjfa-45177	92	4	of	of	ADP
cjfa-45177	92	5	this	this	DET
cjfa-45177	92	6	index	index	NOUN
cjfa-45177	92	7	followed	follow	VERB
cjfa-45177	92	8	four	four	NUM
cjfa-45177	92	9	main	main	ADJ
cjfa-45177	92	10	steps	step	NOUN
cjfa-45177	92	11	:	:	PUNCT
cjfa-45177	92	12	multivariate	multivariate	NOUN
cjfa-45177	92	13	analysis	analysis	NOUN
cjfa-45177	92	14	,	,	PUNCT
cjfa-45177	92	15	normalisation	normalisation	NOUN
cjfa-45177	92	16	,	,	PUNCT
cjfa-45177	92	17	weighting	weighting	NOUN
cjfa-45177	92	18	and	and	CCONJ
cjfa-45177	92	19	aggregation	aggregation	NOUN
cjfa-45177	92	20	.	.	PUNCT
cjfa-45177	93	1	as	as	ADP
cjfa-45177	93	2	in	in	ADP
cjfa-45177	93	3	the	the	DET
cjfa-45177	93	4	work	work	NOUN
cjfa-45177	93	5	of	of	ADP
cjfa-45177	93	6	andrianaivo	andrianaivo	NOUN
cjfa-45177	93	7	and	and	CCONJ
cjfa-45177	93	8	kpodar	kpodar	PROPN
cjfa-45177	93	9	(	(	PUNCT
cjfa-45177	93	10	2012	2012	NUM
cjfa-45177	93	11	)	)	PUNCT
cjfa-45177	93	12	,	,	PUNCT
cjfa-45177	93	13	ghosh	ghosh	PROPN
cjfa-45177	93	14	(	(	PUNCT
cjfa-45177	93	15	2016	2016	NUM
cjfa-45177	93	16	)	)	PUNCT
cjfa-45177	93	17	and	and	CCONJ
cjfa-45177	93	18	demirgüç	demirgüç	PROPN
cjfa-45177	93	19	-	-	PUNCT
cjfa-45177	93	20	kunt	kunt	PROPN
cjfa-45177	93	21	,	,	PUNCT
cjfa-45177	93	22	klapper	klapper	NOUN
cjfa-45177	93	23	,	,	PUNCT
cjfa-45177	93	24	singer	singer	NOUN
cjfa-45177	93	25	,	,	PUNCT
cjfa-45177	93	26	ansar	ansar	PROPN
cjfa-45177	93	27	and	and	CCONJ
cjfa-45177	93	28	hess	hess	PROPN
cjfa-45177	93	29	(	(	PUNCT
cjfa-45177	93	30	2018	2018	NUM
cjfa-45177	93	31	)	)	PUNCT
cjfa-45177	93	32	,	,	PUNCT
cjfa-45177	93	33	fintech	fintech	NOUN
cjfa-45177	93	34	,	,	PUNCT
cjfa-45177	93	35	as	as	ADP
cjfa-45177	93	36	an	an	DET
cjfa-45177	93	37	independent	independent	ADJ
cjfa-45177	93	38	variable	variable	NOUN
cjfa-45177	93	39	,	,	PUNCT
cjfa-45177	93	40	is	be	AUX
cjfa-45177	93	41	measured	measure	VERB
cjfa-45177	93	42	by	by	ADP
cjfa-45177	93	43	the	the	DET
cjfa-45177	93	44	mobile	mobile	ADJ
cjfa-45177	93	45	and	and	CCONJ
cjfa-45177	93	46	fixed	fix	VERB
cjfa-45177	93	47	-	-	PUNCT
cjfa-45177	93	48	line	line	NOUN
cjfa-45177	93	49	telephone	telephone	NOUN
cjfa-45177	93	50	penetration	penetration	NOUN
cjfa-45177	93	51	rate	rate	NOUN
cjfa-45177	93	52	,	,	PUNCT
cjfa-45177	93	53	and	and	CCONJ
cjfa-45177	93	54	the	the	DET
cjfa-45177	93	55	broadband	broadband	NOUN
cjfa-45177	93	56	internet	internet	NOUN
cjfa-45177	93	57	penetration	penetration	NOUN
cjfa-45177	93	58	rate	rate	NOUN
cjfa-45177	93	59	.	.	PUNCT
cjfa-45177	94	1	in	in	ADP
cjfa-45177	94	2	order	order	NOUN
cjfa-45177	94	3	to	to	PART
cjfa-45177	94	4	strengthen	strengthen	VERB
cjfa-45177	94	5	the	the	DET
cjfa-45177	94	6	analyses	analysis	NOUN
cjfa-45177	94	7	,	,	PUNCT
cjfa-45177	94	8	control	control	NOUN
cjfa-45177	94	9	variables	variable	NOUN
cjfa-45177	94	10	have	have	AUX
cjfa-45177	94	11	been	be	AUX
cjfa-45177	94	12	introduced	introduce	VERB
cjfa-45177	94	13	.	.	PUNCT
cjfa-45177	95	1	the	the	DET
cjfa-45177	95	2	first	first	ADJ
cjfa-45177	95	3	is	be	AUX
cjfa-45177	95	4	the	the	DET
cjfa-45177	95	5	growth	growth	NOUN
cjfa-45177	95	6	rate	rate	NOUN
cjfa-45177	95	7	measured	measure	VERB
cjfa-45177	95	8	by	by	ADP
cjfa-45177	95	9	the	the	DET
cjfa-45177	95	10	gross	gross	ADJ
cjfa-45177	95	11	domestic	domestic	ADJ
cjfa-45177	95	12	product	product	NOUN
cjfa-45177	95	13	(	(	PUNCT
cjfa-45177	95	14	gdp	gdp	NOUN
cjfa-45177	95	15	)	)	PUNCT
cjfa-45177	95	16	per	per	ADP
cjfa-45177	95	17	capita	capita	NOUN
cjfa-45177	95	18	.	.	PUNCT
cjfa-45177	96	1	according	accord	VERB
cjfa-45177	96	2	to	to	ADP
cjfa-45177	96	3	beck	beck	PROPN
cjfa-45177	96	4	,	,	PUNCT
cjfa-45177	96	5	demirgüç	demirgüç	PROPN
cjfa-45177	96	6	-	-	PUNCT
cjfa-45177	96	7	kunt	kunt	PROPN
cjfa-45177	96	8	and	and	CCONJ
cjfa-45177	96	9	levine	levine	PROPN
cjfa-45177	96	10	(	(	PUNCT
cjfa-45177	96	11	2007	2007	NUM
cjfa-45177	96	12	)	)	PUNCT
cjfa-45177	96	13	,	,	PUNCT
cjfa-45177	96	14	ayyagari	ayyagari	PROPN
cjfa-45177	96	15	and	and	CCONJ
cjfa-45177	96	16	beck	beck	PROPN
cjfa-45177	96	17	(	(	PUNCT
cjfa-45177	96	18	2015	2015	NUM
cjfa-45177	96	19	)	)	PUNCT
cjfa-45177	96	20	,	,	PUNCT
cjfa-45177	96	21	growth	growth	NOUN
cjfa-45177	96	22	in	in	ADP
cjfa-45177	96	23	gdp	gdp	NOUN
cjfa-45177	96	24	per	per	ADP
cjfa-45177	96	25	capita	capita	NOUN
cjfa-45177	96	26	can	can	AUX
cjfa-45177	96	27	increase	increase	VERB
cjfa-45177	96	28	the	the	DET
cjfa-45177	96	29	number	number	NOUN
cjfa-45177	96	30	of	of	ADP
cjfa-45177	96	31	people	people	NOUN
cjfa-45177	96	32	with	with	ADP
cjfa-45177	96	33	access	access	NOUN
cjfa-45177	96	34	to	to	ADP
cjfa-45177	96	35	basic	basic	ADJ
cjfa-45177	96	36	financial	financial	ADJ
cjfa-45177	96	37	services	service	NOUN
cjfa-45177	96	38	,	,	PUNCT
cjfa-45177	96	39	through	through	ADP
cjfa-45177	96	40	the	the	DET
cjfa-45177	96	41	increase	increase	NOUN
cjfa-45177	96	42	in	in	ADP
cjfa-45177	96	43	national	national	ADJ
cjfa-45177	96	44	wealth	wealth	NOUN
cjfa-45177	96	45	if	if	SCONJ
cjfa-45177	96	46	households	household	NOUN
cjfa-45177	96	47	excluded	exclude	VERB
cjfa-45177	96	48	from	from	ADP
cjfa-45177	96	49	the	the	DET
cjfa-45177	96	50	formal	formal	ADJ
cjfa-45177	96	51	system	system	NOUN
cjfa-45177	96	52	manage	manage	VERB
cjfa-45177	96	53	to	to	PART
cjfa-45177	96	54	integrate	integrate	VERB
cjfa-45177	96	55	into	into	ADP
cjfa-45177	96	56	it	it	PRON
cjfa-45177	96	57	.	.	PUNCT
cjfa-45177	97	1	the	the	DET
cjfa-45177	97	2	second	second	ADJ
cjfa-45177	97	3	control	control	NOUN
cjfa-45177	97	4	variable	variable	NOUN
cjfa-45177	97	5	is	be	AUX
cjfa-45177	97	6	the	the	DET
cjfa-45177	97	7	employability	employability	NOUN
cjfa-45177	97	8	rate	rate	NOUN
cjfa-45177	97	9	of	of	ADP
cjfa-45177	97	10	the	the	DET
cjfa-45177	97	11	population	population	NOUN
cjfa-45177	97	12	as	as	SCONJ
cjfa-45177	97	13	measured	measure	VERB
cjfa-45177	97	14	by	by	ADP
cjfa-45177	97	15	the	the	DET
cjfa-45177	97	16	number	number	NOUN
cjfa-45177	97	17	of	of	ADP
cjfa-45177	97	18	young	young	ADJ
cjfa-45177	97	19	self	self	NOUN
cjfa-45177	97	20	-	-	PUNCT
cjfa-45177	97	21	employed	employ	VERB
cjfa-45177	97	22	entrepreneurs	entrepreneur	NOUN
cjfa-45177	97	23	.	.	PUNCT
cjfa-45177	98	1	according	accord	VERB
cjfa-45177	98	2	to	to	ADP
cjfa-45177	98	3	geng	geng	PROPN
cjfa-45177	98	4	and	and	CCONJ
cjfa-45177	98	5	he	he	PRON
cjfa-45177	98	6	(	(	PUNCT
cjfa-45177	98	7	2021	2021	NUM
cjfa-45177	98	8	)	)	PUNCT
cjfa-45177	98	9	,	,	PUNCT
cjfa-45177	98	10	the	the	DET
cjfa-45177	98	11	level	level	NOUN
cjfa-45177	98	12	of	of	ADP
cjfa-45177	98	13	employability	employability	NOUN
cjfa-45177	98	14	of	of	ADP
cjfa-45177	98	15	the	the	DET
cjfa-45177	98	16	population	population	NOUN
cjfa-45177	98	17	positively	positively	ADV
cjfa-45177	98	18	affects	affect	VERB
cjfa-45177	98	19	financial	financial	ADJ
cjfa-45177	98	20	inclusion	inclusion	NOUN
cjfa-45177	98	21	,	,	PUNCT
cjfa-45177	98	22	especially	especially	ADV
cjfa-45177	98	23	in	in	ADP
cjfa-45177	98	24	developing	develop	VERB
cjfa-45177	98	25	countries	country	NOUN
cjfa-45177	98	26	.	.	PUNCT
cjfa-45177	99	1	levels	level	NOUN
cjfa-45177	99	2	of	of	ADP
cjfa-45177	99	3	education	education	NOUN
cjfa-45177	99	4	,	,	PUNCT
cjfa-45177	99	5	broadband	broadband	NOUN
cjfa-45177	99	6	internet	internet	NOUN
cjfa-45177	99	7	penetration	penetration	NOUN
cjfa-45177	99	8	and	and	CCONJ
cjfa-45177	99	9	remittances	remittance	NOUN
cjfa-45177	99	10	were	be	AUX
cjfa-45177	99	11	then	then	ADV
cjfa-45177	99	12	selected	select	VERB
cjfa-45177	99	13	as	as	ADP
cjfa-45177	99	14	control	control	NOUN
cjfa-45177	99	15	variables	variable	NOUN
cjfa-45177	99	16	as	as	SCONJ
cjfa-45177	99	17	they	they	PRON
cjfa-45177	99	18	facilitate	facilitate	VERB
cjfa-45177	99	19	access	access	NOUN
cjfa-45177	99	20	to	to	ADP
cjfa-45177	99	21	formal	formal	ADJ
cjfa-45177	99	22	finance	finance	NOUN
cjfa-45177	99	23	(	(	PUNCT
cjfa-45177	99	24	xu	xu	INTJ
cjfa-45177	99	25	,	,	PUNCT
cjfa-45177	99	26	2020	2020	NUM
cjfa-45177	99	27	;	;	PUNCT
cjfa-45177	99	28	gautam	gautam	PROPN
cjfa-45177	99	29	,	,	PUNCT
cjfa-45177	99	30	2019	2019	NUM
cjfa-45177	99	31	)	)	PUNCT
cjfa-45177	99	32	.	.	PUNCT
cjfa-45177	100	1	finally	finally	ADV
cjfa-45177	100	2	,	,	PUNCT
cjfa-45177	100	3	the	the	DET
cjfa-45177	100	4	level	level	NOUN
cjfa-45177	100	5	of	of	ADP
cjfa-45177	100	6	political	political	ADJ
cjfa-45177	100	7	stability	stability	NOUN
cjfa-45177	100	8	and	and	CCONJ
cjfa-45177	100	9	control	control	NOUN
cjfa-45177	100	10	of	of	ADP
cjfa-45177	100	11	corruption	corruption	NOUN
cjfa-45177	100	12	were	be	AUX
cjfa-45177	100	13	also	also	ADV
cjfa-45177	100	14	taken	take	VERB
cjfa-45177	100	15	into	into	ADP
cjfa-45177	100	16	account	account	NOUN
cjfa-45177	100	17	.	.	PUNCT
cjfa-45177	101	1	according	accord	VERB
cjfa-45177	101	2	to	to	ADP
cjfa-45177	101	3	emara	emara	PROPN
cjfa-45177	101	4	and	and	CCONJ
cjfa-45177	101	5	el	el	PROPN
cjfa-45177	101	6	said	say	VERB
cjfa-45177	101	7	(	(	PUNCT
cjfa-45177	101	8	2021	2021	NUM
cjfa-45177	101	9	)	)	PUNCT
cjfa-45177	101	10	,	,	PUNCT
cjfa-45177	101	11	the	the	DET
cjfa-45177	101	12	quality	quality	NOUN
cjfa-45177	101	13	of	of	ADP
cjfa-45177	101	14	governance	governance	NOUN
cjfa-45177	101	15	in	in	ADP
cjfa-45177	101	16	a	a	DET
cjfa-45177	101	17	country	country	NOUN
cjfa-45177	101	18	can	can	AUX
cjfa-45177	101	19	influence	influence	VERB
cjfa-45177	101	20	the	the	DET
cjfa-45177	101	21	number	number	NOUN
cjfa-45177	101	22	of	of	ADP
cjfa-45177	101	23	people	people	NOUN
cjfa-45177	101	24	excluded	exclude	VERB
cjfa-45177	101	25	from	from	ADP
cjfa-45177	101	26	the	the	DET
cjfa-45177	101	27	financial	financial	ADJ
cjfa-45177	101	28	system	system	NOUN
cjfa-45177	101	29	.	.	PUNCT
cjfa-45177	102	1	the	the	DET
cjfa-45177	102	2	table	table	NOUN
cjfa-45177	102	3	below	below	ADP
cjfa-45177	102	4	presents	present	VERB
cjfa-45177	102	5	the	the	DET
cjfa-45177	102	6	description	description	NOUN
cjfa-45177	102	7	of	of	ADP
cjfa-45177	102	8	the	the	DET
cjfa-45177	102	9	variables	variable	NOUN
cjfa-45177	102	10	of	of	ADP
cjfa-45177	102	11	the	the	DET
cjfa-45177	102	12	study	study	NOUN
cjfa-45177	102	13	.	.	PUNCT
cjfa-45177	103	1	table	table	NOUN
cjfa-45177	103	2	1	1	NUM
cjfa-45177	103	3	.	.	PUNCT
cjfa-45177	104	1	description	description	NOUN
cjfa-45177	104	2	of	of	ADP
cjfa-45177	104	3	study	study	NOUN
cjfa-45177	104	4	variables	variable	NOUN
cjfa-45177	104	5	variables	variable	NOUN
cjfa-45177	104	6	obs	obs	PROPN
cjfa-45177	104	7	mean	mean	VERB
cjfa-45177	104	8	std.dev	std.dev	PROPN
cjfa-45177	104	9	.	.	PUNCT
cjfa-45177	105	1	min	min	PROPN
cjfa-45177	105	2	max	max	PROPN
cjfa-45177	105	3	financial	financial	PROPN
cjfa-45177	105	4	inclusion	inclusion	PROPN
cjfa-45177	105	5	index	index	NOUN
cjfa-45177	105	6	350	350	NUM
cjfa-45177	105	7	-0.001143	-0.001143	NOUN
cjfa-45177	105	8	0.0702675	0.0702675	NUM
cjfa-45177	105	9	-1	-1	SYM
cjfa-45177	105	10	0.22	0.22	NUM
cjfa-45177	105	11	fixed	fix	VERB
cjfa-45177	105	12	telephone	telephone	NOUN
cjfa-45177	105	13	330	330	NUM
cjfa-45177	105	14	2.267025	2.267025	NUM
cjfa-45177	105	15	5.633058	5.633058	NUM
cjfa-45177	105	16	0	0	NUM
cjfa-45177	105	17	37.64051	37.64051	NUM
cjfa-45177	105	18	mobile	mobile	ADJ
cjfa-45177	105	19	phone	phone	NOUN
cjfa-45177	105	20	335	335	NUM
cjfa-45177	105	21	81.27403	81.27403	NUM
cjfa-45177	105	22	36.16261	36.16261	NUM
cjfa-45177	105	23	15.67192	15.67192	NUM
cjfa-45177	105	24	165.5999	165.5999	NUM
cjfa-45177	105	25	gross	gross	ADJ
cjfa-45177	105	26	domestic	domestic	ADJ
cjfa-45177	105	27	product	product	NOUN
cjfa-45177	105	28	350	350	NUM
cjfa-45177	105	29	3.663748	3.663748	NUM
cjfa-45177	105	30	4.642932	4.642932	NUM
cjfa-45177	105	31	-36.39198	-36.39198	SYM
cjfa-45177	105	32	20.71577	20.71577	NUM
cjfa-45177	105	33	employability	employability	NOUN
cjfa-45177	105	34	level	level	NOUN
cjfa-45177	105	35	315	315	NUM
cjfa-45177	105	36	1.998698	1.998698	NUM
cjfa-45177	105	37	1.588087	1.588087	NUM
cjfa-45177	105	38	0.04	0.04	NUM
cjfa-45177	105	39	6.63	6.63	NUM
cjfa-45177	105	40	level	level	NOUN
cjfa-45177	105	41	of	of	ADP
cjfa-45177	105	42	education	education	NOUN
cjfa-45177	105	43	188	188	NUM
cjfa-45177	105	44	46.40826	46.40826	NUM
cjfa-45177	105	45	20.83743	20.83743	NUM
cjfa-45177	105	46	13.88327	13.88327	NUM
cjfa-45177	105	47	109.4441	109.4441	NUM
cjfa-45177	105	48	funds	fund	NOUN
cjfa-45177	105	49	transfer	transfer	VERB
cjfa-45177	106	1	346	346	NUM
cjfa-45177	106	2	1.09e+09	1.09e+09	NUM
cjfa-45177	107	1	3.54e+09	3.54e+09	NUM
cjfa-45177	107	2	0	0	NUM
cjfa-45177	108	1	2.43e+10	2.43e+10	NUM
cjfa-45177	108	2	wulli	wulli	NOUN
cjfa-45177	108	3	faustin	faustin	NOUN
cjfa-45177	108	4	djoufouet	djoufouet	PROPN
cjfa-45177	108	5	,	,	PUNCT
cjfa-45177	108	6	thierry	thierry	NOUN
cjfa-45177	108	7	messie	messie	PROPN
cjfa-45177	108	8	pondie7676	pondie7676	PROPN
cjfa-45177	108	9	variables	variable	NOUN
cjfa-45177	108	10	obs	obs	PROPN
cjfa-45177	108	11	mean	mean	VERB
cjfa-45177	108	12	std.dev	std.dev	PROPN
cjfa-45177	108	13	.	.	PUNCT
cjfa-45177	109	1	min	min	PROPN
cjfa-45177	109	2	max	max	PROPN
cjfa-45177	109	3	internet	internet	NOUN
cjfa-45177	109	4	penetration	penetration	NOUN
cjfa-45177	109	5	level	level	NOUN
cjfa-45177	109	6	285	285	NUM
cjfa-45177	109	7	17.64338	17.64338	NUM
cjfa-45177	109	8	15.57777	15.57777	NUM
cjfa-45177	109	9	0.9	0.9	NUM
cjfa-45177	109	10	68.2	68.2	NUM
cjfa-45177	109	11	control	control	NOUN
cjfa-45177	109	12	of	of	ADP
cjfa-45177	109	13	corruption	corruption	NOUN
cjfa-45177	109	14	350	350	NUM
cjfa-45177	109	15	0.1476224	0.1476224	NUM
cjfa-45177	109	16	0.0154324	0.0154324	NUM
cjfa-45177	109	17	0.1200679	0.1200679	NUM
cjfa-45177	109	18	0.1867942	0.1867942	NUM
cjfa-45177	109	19	political	political	ADJ
cjfa-45177	109	20	stability	stability	NOUN
cjfa-45177	109	21	350	350	NUM
cjfa-45177	109	22	30.11242	30.11242	NUM
cjfa-45177	109	23	21.83542	21.83542	NUM
cjfa-45177	109	24	0.4761905	0.4761905	NUM
cjfa-45177	109	25	90.56604	90.56604	NUM
cjfa-45177	109	26	list	list	NOUN
cjfa-45177	109	27	of	of	ADP
cjfa-45177	109	28	countries	country	NOUN
cjfa-45177	109	29	:	:	PUNCT
cjfa-45177	109	30	angola	angola	PROPN
cjfa-45177	109	31	,	,	PUNCT
cjfa-45177	109	32	benin	benin	PROPN
cjfa-45177	109	33	,	,	PUNCT
cjfa-45177	109	34	botswana	botswana	PROPN
cjfa-45177	109	35	,	,	PUNCT
cjfa-45177	109	36	burkina	burkina	PROPN
cjfa-45177	109	37	faso	faso	PROPN
cjfa-45177	109	38	,	,	PUNCT
cjfa-45177	109	39	burundi	burundi	PROPN
cjfa-45177	109	40	,	,	PUNCT
cjfa-45177	109	41	cameroon	cameroon	PROPN
cjfa-45177	109	42	,	,	PUNCT
cjfa-45177	109	43	central	central	ADJ
cjfa-45177	109	44	african	african	ADJ
cjfa-45177	109	45	republic	republic	PROPN
cjfa-45177	109	46	,	,	PUNCT
cjfa-45177	109	47	chad	chad	PROPN
cjfa-45177	109	48	,	,	PUNCT
cjfa-45177	109	49	congo	congo	PROPN
cjfa-45177	109	50	,	,	PUNCT
cjfa-45177	109	51	dem	dem	PROPN
cjfa-45177	109	52	.	.	PROPN
cjfa-45177	109	53	rep	rep	PROPN
cjfa-45177	109	54	.	.	PROPN
cjfa-45177	109	55	congo	congo	PROPN
cjfa-45177	109	56	,	,	PUNCT
cjfa-45177	109	57	rep	rep	PROPN
cjfa-45177	109	58	.	.	PROPN
cjfa-45177	109	59	cote	cote	PROPN
cjfa-45177	109	60	d’ivoire	d’ivoire	PROPN
cjfa-45177	109	61	,	,	PUNCT
cjfa-45177	109	62	ethiopia	ethiopia	PROPN
cjfa-45177	109	63	,	,	PUNCT
cjfa-45177	109	64	gabon	gabon	PROPN
cjfa-45177	109	65	,	,	PUNCT
cjfa-45177	109	66	ghana	ghana	PROPN
cjfa-45177	109	67	,	,	PUNCT
cjfa-45177	109	68	guinea	guinea	NOUN
cjfa-45177	109	69	,	,	PUNCT
cjfa-45177	109	70	kenya	kenya	PROPN
cjfa-45177	109	71	,	,	PUNCT
cjfa-45177	109	72	lesotho	lesotho	PROPN
cjfa-45177	109	73	,	,	PUNCT
cjfa-45177	109	74	liberia	liberia	PROPN
cjfa-45177	109	75	,	,	PUNCT
cjfa-45177	109	76	madagascar	madagascar	PROPN
cjfa-45177	109	77	,	,	PUNCT
cjfa-45177	109	78	malawi	malawi	PROPN
cjfa-45177	109	79	,	,	PUNCT
cjfa-45177	109	80	mali	mali	PROPN
cjfa-45177	109	81	,	,	PUNCT
cjfa-45177	109	82	mauritania	mauritania	NOUN
cjfa-45177	109	83	,	,	PUNCT
cjfa-45177	109	84	mauritius	mauritius	PROPN
cjfa-45177	109	85	,	,	PUNCT
cjfa-45177	109	86	namibia	namibia	PROPN
cjfa-45177	109	87	,	,	PUNCT
cjfa-45177	109	88	niger	niger	PROPN
cjfa-45177	109	89	,	,	PUNCT
cjfa-45177	109	90	nigeria	nigeria	PROPN
cjfa-45177	109	91	,	,	PUNCT
cjfa-45177	109	92	rwanda	rwanda	PROPN
cjfa-45177	109	93	,	,	PUNCT
cjfa-45177	109	94	senegal	senegal	NOUN
cjfa-45177	109	95	,	,	PUNCT
cjfa-45177	109	96	sierra	sierra	PROPN
cjfa-45177	109	97	leone	leone	PROPN
cjfa-45177	109	98	,	,	PUNCT
cjfa-45177	109	99	south	south	PROPN
cjfa-45177	109	100	africa	africa	PROPN
cjfa-45177	109	101	,	,	PUNCT
cjfa-45177	109	102	sudan	sudan	PROPN
cjfa-45177	109	103	,	,	PUNCT
cjfa-45177	109	104	tanzania	tanzania	PROPN
cjfa-45177	109	105	,	,	PUNCT
cjfa-45177	109	106	togo	togo	PROPN
cjfa-45177	109	107	,	,	PUNCT
cjfa-45177	109	108	uganda	uganda	PROPN
cjfa-45177	109	109	,	,	PUNCT
cjfa-45177	109	110	zambia	zambia	PROPN
cjfa-45177	109	111	.	.	PUNCT
cjfa-45177	110	1	s	s	PART
cjfa-45177	110	2	o	o	X
cjfa-45177	110	3	u	u	NOUN
cjfa-45177	110	4	r	r	NOUN
cjfa-45177	110	5	c	c	NOUN
cjfa-45177	110	6	e	e	NOUN
cjfa-45177	110	7	:	:	PUNCT
cjfa-45177	110	8	table	table	NOUN
cjfa-45177	110	9	drawn	draw	VERB
cjfa-45177	110	10	by	by	ADP
cjfa-45177	110	11	the	the	DET
cjfa-45177	110	12	authors	author	NOUN
cjfa-45177	110	13	using	use	VERB
cjfa-45177	110	14	stata	stata	NOUN
cjfa-45177	110	15	v15	v15	NOUN
cjfa-45177	110	16	.	.	PUNCT
cjfa-45177	111	1	a	a	DET
cjfa-45177	111	2	descriptive	descriptive	ADJ
cjfa-45177	111	3	and	and	CCONJ
cjfa-45177	111	4	summary	summary	VERB
cjfa-45177	111	5	analysis	analysis	NOUN
cjfa-45177	111	6	of	of	ADP
cjfa-45177	111	7	the	the	DET
cjfa-45177	111	8	relationship	relationship	NOUN
cjfa-45177	111	9	between	between	ADP
cjfa-45177	111	10	fintech	fintech	NOUN
cjfa-45177	111	11	and	and	CCONJ
cjfa-45177	111	12	financial	financial	ADJ
cjfa-45177	111	13	inclusion	inclusion	NOUN
cjfa-45177	111	14	shows	show	VERB
cjfa-45177	111	15	a	a	DET
cjfa-45177	111	16	positive	positive	ADJ
cjfa-45177	111	17	correlation	correlation	NOUN
cjfa-45177	111	18	between	between	ADP
cjfa-45177	111	19	the	the	DET
cjfa-45177	111	20	two	two	NUM
cjfa-45177	111	21	variables	variable	NOUN
cjfa-45177	111	22	for	for	ADP
cjfa-45177	111	23	all	all	DET
cjfa-45177	111	24	sub	sub	ADJ
cjfa-45177	111	25	-	-	ADJ
cjfa-45177	111	26	saharan	saharan	ADJ
cjfa-45177	111	27	african	african	ADJ
cjfa-45177	111	28	countries	country	NOUN
cjfa-45177	111	29	.	.	PUNCT
cjfa-45177	112	1	figure	figure	VERB
cjfa-45177	112	2	1	1	NUM
cjfa-45177	112	3	.	.	PUNCT
cjfa-45177	112	4	correlation	correlation	NOUN
cjfa-45177	112	5	between	between	ADP
cjfa-45177	112	6	fintech	fintech	NOUN
cjfa-45177	112	7	and	and	CCONJ
cjfa-45177	112	8	the	the	DET
cjfa-45177	112	9	financial	financial	ADJ
cjfa-45177	112	10	inclusion	inclusion	NOUN
cjfa-45177	112	11	index	index	NOUN
cjfa-45177	112	12	caf	caf	NOUN
cjfa-45177	112	13	eth	eth	PROPN
cjfa-45177	112	14	ner	ner	PROPN
cjfa-45177	112	15	mdg	mdg	PROPN
cjfa-45177	112	16	mwi	mwi	PROPN
cjfa-45177	112	17	tcdcod	tcdcod	NOUN
cjfa-45177	112	18	bdi	bdi	PROPN
cjfa-45177	112	19	ago	ago	ADV
cjfa-45177	112	20	uga	uga	PROPN
cjfa-45177	112	21	lbr	lbr	NOUN
cjfa-45177	112	22	tgo	tgo	PROPN
cjfa-45177	112	23	rwa	rwa	PROPN
cjfa-45177	112	24	sle	sle	PROPN
cjfa-45177	112	25	tza	tza	PROPN
cjfa-45177	112	26	sdn	sdn	PROPN
cjfa-45177	112	27	cmr	cmr	PROPN
cjfa-45177	112	28	zmbnga	zmbnga	PROPN
cjfa-45177	112	29	bfa	bfa	PROPN
cjfa-45177	112	30	gin	gin	PROPN
cjfa-45177	112	31	ken	ken	PROPN
cjfa-45177	112	32	ben	ben	PROPN
cjfa-45177	112	33	lso	lso	PROPN
cjfa-45177	112	34	mrt	mrt	PROPN
cjfa-45177	112	35	sen	sen	PROPN
cjfa-45177	112	36	cog	cog	PROPN
cjfa-45177	112	37	nam	nam	PROPN
cjfa-45177	112	38	mli	mli	PROPN
cjfa-45177	112	39	civ	civ	NOUN
cjfa-45177	112	40	gha	gha	PROPN
cjfa-45177	112	41	mus	mus	PROPN
cjfa-45177	112	42	gab	gab	PROPN
cjfa-45177	112	43	zaf	zaf	PROPN
cjfa-45177	112	44	bw	bw	PROPN
cjfa-45177	113	1	-.1	-.1	PROPN
cjfa-45177	113	2	-.0	-.0	PROPN
cjfa-45177	113	3	5	5	NUM
cjfa-45177	113	4	0	0	NUM
cjfa-45177	113	5	.0	.0	NUM
cjfa-45177	113	6	5	5	NUM
cjfa-45177	113	7	.1	.1	NUM
cjfa-45177	113	8	.1	.1	NUM
cjfa-45177	113	9	5	5	NUM
cjfa-45177	113	10	fi	fi	NOUN
cjfa-45177	113	11	na	na	PROPN
cjfa-45177	113	12	nc	nc	PROPN
cjfa-45177	113	13	ia	ia	PROPN
cjfa-45177	113	14	l	l	PROPN
cjfa-45177	114	1	i	i	PRON
cjfa-45177	114	2	nc	nc	PROPN
cjfa-45177	114	3	lu	lu	PROPN
cjfa-45177	114	4	si	si	X
cjfa-45177	114	5	on	on	ADV
cjfa-45177	114	6	in	in	ADP
cjfa-45177	114	7	de	de	X
cjfa-45177	114	8	x	x	X
cjfa-45177	114	9	(	(	PUNCT
cjfa-45177	114	10	f	f	PROPN
cjfa-45177	114	11	ii	ii	PROPN
cjfa-45177	114	12	)	)	PUNCT
cjfa-45177	114	13	0	0	NUM
cjfa-45177	114	14	50	50	NUM
cjfa-45177	114	15	100	100	NUM
cjfa-45177	114	16	150	150	NUM
cjfa-45177	114	17	fintech	fintech	NOUN
cjfa-45177	114	18	fii	fii	PROPN
cjfa-45177	114	19	fitted	fit	VERB
cjfa-45177	114	20	values	value	NOUN
cjfa-45177	114	21	s	s	PART
cjfa-45177	114	22	o	o	NOUN
cjfa-45177	114	23	u	u	NOUN
cjfa-45177	114	24	r	r	NOUN
cjfa-45177	114	25	c	c	NOUN
cjfa-45177	114	26	e	e	NOUN
cjfa-45177	114	27	:	:	PUNCT
cjfa-45177	114	28	graph	graph	NOUN
cjfa-45177	114	29	drawn	draw	VERB
cjfa-45177	114	30	by	by	ADP
cjfa-45177	114	31	the	the	DET
cjfa-45177	114	32	authors	author	NOUN
cjfa-45177	114	33	using	use	VERB
cjfa-45177	114	34	stata	stata	NOUN
cjfa-45177	114	35	v15	v15	PROPN
cjfa-45177	114	36	.	.	PUNCT
cjfa-45177	114	37	table	table	NOUN
cjfa-45177	114	38	1	1	NUM
cjfa-45177	114	39	.	.	PUNCT
cjfa-45177	114	40	description	description	NOUN
cjfa-45177	114	41	of	of	ADP
cjfa-45177	114	42	study	study	NOUN
cjfa-45177	114	43	variables	variable	NOUN
cjfa-45177	114	44	impacts	impact	NOUN
cjfa-45177	114	45	of	of	ADP
cjfa-45177	114	46	fintech	fintech	NOUN
cjfa-45177	114	47	on	on	ADP
cjfa-45177	114	48	financial	financial	ADJ
cjfa-45177	114	49	inclusion	inclusion	NOUN
cjfa-45177	114	50	…	…	PUNCT
cjfa-45177	114	51	7777	7777	NUM
cjfa-45177	114	52	estimation	estimation	NOUN
cjfa-45177	114	53	techniques	technique	NOUN
cjfa-45177	114	54	and	and	CCONJ
cjfa-45177	114	55	econometric	econometric	ADJ
cjfa-45177	114	56	modelestimation	modelestimation	NOUN
cjfa-45177	114	57	techniques	technique	NOUN
cjfa-45177	114	58	and	and	CCONJ
cjfa-45177	114	59	econometric	econometric	ADJ
cjfa-45177	114	60	model	model	NOUN
cjfa-45177	114	61	the	the	DET
cjfa-45177	114	62	estimation	estimation	NOUN
cjfa-45177	114	63	of	of	ADP
cjfa-45177	114	64	the	the	DET
cjfa-45177	114	65	econometric	econometric	ADJ
cjfa-45177	114	66	model	model	NOUN
cjfa-45177	114	67	is	be	AUX
cjfa-45177	114	68	based	base	VERB
cjfa-45177	114	69	on	on	ADP
cjfa-45177	114	70	the	the	DET
cjfa-45177	114	71	work	work	NOUN
cjfa-45177	114	72	of	of	ADP
cjfa-45177	114	73	driscoll	driscoll	NOUN
cjfa-45177	114	74	and	and	CCONJ
cjfa-45177	114	75	kraay	kraay	PROPN
cjfa-45177	114	76	(	(	PUNCT
cjfa-45177	114	77	1998	1998	NUM
cjfa-45177	114	78	)	)	PUNCT
cjfa-45177	114	79	.	.	PUNCT
cjfa-45177	115	1	this	this	DET
cjfa-45177	115	2	work	work	NOUN
cjfa-45177	115	3	,	,	PUNCT
cjfa-45177	115	4	based	base	VERB
cjfa-45177	115	5	on	on	ADP
cjfa-45177	115	6	a	a	DET
cjfa-45177	115	7	non	non	ADJ
cjfa-45177	115	8	-	-	ADJ
cjfa-45177	115	9	parametric	parametric	ADJ
cjfa-45177	115	10	time	time	NOUN
cjfa-45177	115	11	series	series	PROPN
cjfa-45177	115	12	covariance	covariance	PROPN
cjfa-45177	115	13	matrix	matrix	NOUN
cjfa-45177	115	14	estimator	estimator	NOUN
cjfa-45177	115	15	,	,	PUNCT
cjfa-45177	115	16	assumes	assume	VERB
cjfa-45177	115	17	that	that	SCONJ
cjfa-45177	115	18	the	the	DET
cjfa-45177	115	19	error	error	NOUN
cjfa-45177	115	20	structure	structure	NOUN
cjfa-45177	115	21	is	be	AUX
cjfa-45177	115	22	heteroskedastic	heteroskedastic	ADJ
cjfa-45177	115	23	,	,	PUNCT
cjfa-45177	115	24	auto	auto	NOUN
cjfa-45177	115	25	-	-	PUNCT
cjfa-45177	115	26	correlated	correlate	VERB
cjfa-45177	115	27	up	up	ADP
cjfa-45177	115	28	to	to	ADP
cjfa-45177	115	29	a	a	DET
cjfa-45177	115	30	certain	certain	ADJ
cjfa-45177	115	31	lag	lag	NOUN
cjfa-45177	115	32	and	and	CCONJ
cjfa-45177	115	33	possibly	possibly	ADV
cjfa-45177	115	34	correlated	correlate	VERB
cjfa-45177	115	35	between	between	ADP
cjfa-45177	115	36	panels	panel	NOUN
cjfa-45177	115	37	.	.	PUNCT
cjfa-45177	116	1	furthermore	furthermore	ADV
cjfa-45177	116	2	,	,	PUNCT
cjfa-45177	116	3	the	the	DET
cjfa-45177	116	4	non	non	ADJ
cjfa-45177	116	5	-	-	ADJ
cjfa-45177	116	6	parametric	parametric	ADJ
cjfa-45177	116	7	driscoll	driscoll	NOUN
cjfa-45177	116	8	-	-	PUNCT
cjfa-45177	116	9	kraay	kraay	PROPN
cjfa-45177	116	10	estimator	estimator	NOUN
cjfa-45177	116	11	produces	produce	VERB
cjfa-45177	116	12	robust	robust	ADJ
cjfa-45177	116	13	results	result	NOUN
cjfa-45177	116	14	in	in	ADP
cjfa-45177	116	15	terms	term	NOUN
cjfa-45177	116	16	of	of	ADP
cjfa-45177	116	17	cross	cross	ADJ
cjfa-45177	116	18	-	-	ADJ
cjfa-45177	116	19	sectional	sectional	ADJ
cjfa-45177	116	20	and	and	CCONJ
cjfa-45177	116	21	time	time	NOUN
cjfa-45177	116	22	dependence	dependence	NOUN
cjfa-45177	116	23	and	and	CCONJ
cjfa-45177	116	24	is	be	AUX
cjfa-45177	116	25	able	able	ADJ
cjfa-45177	116	26	to	to	PART
cjfa-45177	116	27	handle	handle	VERB
cjfa-45177	116	28	missing	miss	VERB
cjfa-45177	116	29	data	datum	NOUN
cjfa-45177	116	30	series	series	NOUN
cjfa-45177	116	31	(	(	PUNCT
cjfa-45177	116	32	hoechle	hoechle	ADJ
cjfa-45177	116	33	,	,	PUNCT
cjfa-45177	116	34	2007	2007	NUM
cjfa-45177	116	35	)	)	PUNCT
cjfa-45177	116	36	.	.	PUNCT
cjfa-45177	117	1	to	to	PART
cjfa-45177	117	2	ensure	ensure	VERB
cjfa-45177	117	3	the	the	DET
cjfa-45177	117	4	endogeneity	endogeneity	NOUN
cjfa-45177	117	5	of	of	ADP
cjfa-45177	117	6	the	the	DET
cjfa-45177	117	7	results	result	NOUN
cjfa-45177	117	8	,	,	PUNCT
cjfa-45177	117	9	the	the	DET
cjfa-45177	117	10	instrumental	instrumental	ADJ
cjfa-45177	117	11	variable	variable	ADJ
cjfa-45177	117	12	approach	approach	NOUN
cjfa-45177	117	13	was	be	AUX
cjfa-45177	117	14	adopted	adopt	VERB
cjfa-45177	117	15	.	.	PUNCT
cjfa-45177	118	1	the	the	DET
cjfa-45177	118	2	adoption	adoption	NOUN
cjfa-45177	118	3	of	of	ADP
cjfa-45177	118	4	this	this	DET
cjfa-45177	118	5	approach	approach	NOUN
cjfa-45177	118	6	requires	require	VERB
cjfa-45177	118	7	that	that	SCONJ
cjfa-45177	118	8	appropriate	appropriate	ADJ
cjfa-45177	118	9	instruments	instrument	NOUN
cjfa-45177	118	10	have	have	VERB
cjfa-45177	118	11	a	a	DET
cjfa-45177	118	12	significant	significant	ADJ
cjfa-45177	118	13	correlation	correlation	NOUN
cjfa-45177	118	14	with	with	ADP
cjfa-45177	118	15	the	the	DET
cjfa-45177	118	16	endogenous	endogenous	ADJ
cjfa-45177	118	17	variable	variable	NOUN
cjfa-45177	118	18	,	,	PUNCT
cjfa-45177	118	19	satisfy	satisfy	VERB
cjfa-45177	118	20	the	the	DET
cjfa-45177	118	21	orthogonality	orthogonality	NOUN
cjfa-45177	118	22	condition	condition	NOUN
cjfa-45177	118	23	and	and	CCONJ
cjfa-45177	118	24	must	must	AUX
cjfa-45177	118	25	be	be	AUX
cjfa-45177	118	26	properly	properly	ADV
cjfa-45177	118	27	excluded	exclude	VERB
cjfa-45177	118	28	from	from	ADP
cjfa-45177	118	29	the	the	DET
cjfa-45177	118	30	model	model	NOUN
cjfa-45177	118	31	so	so	SCONJ
cjfa-45177	118	32	that	that	SCONJ
cjfa-45177	118	33	its	its	PRON
cjfa-45177	118	34	effect	effect	NOUN
cjfa-45177	118	35	on	on	ADP
cjfa-45177	118	36	the	the	DET
cjfa-45177	118	37	response	response	NOUN
cjfa-45177	118	38	variable	variable	NOUN
cjfa-45177	118	39	is	be	AUX
cjfa-45177	118	40	only	only	ADV
cjfa-45177	118	41	indirect	indirect	ADJ
cjfa-45177	118	42	(	(	PUNCT
cjfa-45177	118	43	baum	baum	PROPN
cjfa-45177	118	44	,	,	PUNCT
cjfa-45177	118	45	cristina	cristina	PROPN
cjfa-45177	118	46	&	&	CCONJ
cjfa-45177	118	47	rother	rother	PROPN
cjfa-45177	118	48	,	,	PUNCT
cjfa-45177	118	49	2012	2012	NUM
cjfa-45177	118	50	)	)	PUNCT
cjfa-45177	118	51	.	.	PUNCT
cjfa-45177	119	1	however	however	ADV
cjfa-45177	119	2	,	,	PUNCT
cjfa-45177	119	3	finding	find	VERB
cjfa-45177	119	4	appropriate	appropriate	ADJ
cjfa-45177	119	5	instruments	instrument	NOUN
cjfa-45177	119	6	that	that	PRON
cjfa-45177	119	7	simultaneously	simultaneously	ADV
cjfa-45177	119	8	satisfy	satisfy	VERB
cjfa-45177	119	9	these	these	DET
cjfa-45177	119	10	conditions	condition	NOUN
cjfa-45177	119	11	is	be	AUX
cjfa-45177	119	12	often	often	ADV
cjfa-45177	119	13	difficult	difficult	ADJ
cjfa-45177	119	14	and	and	CCONJ
cjfa-45177	119	15	poses	pose	VERB
cjfa-45177	119	16	a	a	DET
cjfa-45177	119	17	serious	serious	ADJ
cjfa-45177	119	18	problem	problem	NOUN
cjfa-45177	119	19	for	for	ADP
cjfa-45177	119	20	the	the	DET
cjfa-45177	119	21	use	use	NOUN
cjfa-45177	119	22	of	of	ADP
cjfa-45177	119	23	instrumental	instrumental	ADJ
cjfa-45177	119	24	variable	variable	ADJ
cjfa-45177	119	25	estimators	estimator	NOUN
cjfa-45177	119	26	in	in	ADP
cjfa-45177	119	27	most	most	ADJ
cjfa-45177	119	28	applied	applied	ADJ
cjfa-45177	119	29	research	research	NOUN
cjfa-45177	119	30	(	(	PUNCT
cjfa-45177	119	31	baum	baum	PROPN
cjfa-45177	119	32	et	et	PROPN
cjfa-45177	119	33	al	al	PROPN
cjfa-45177	119	34	.	.	PROPN
cjfa-45177	119	35	,	,	PUNCT
cjfa-45177	119	36	2012	2012	NUM
cjfa-45177	119	37	;	;	PUNCT
cjfa-45177	119	38	stock	stock	NOUN
cjfa-45177	119	39	,	,	PUNCT
cjfa-45177	119	40	wright	wright	PROPN
cjfa-45177	119	41	&	&	CCONJ
cjfa-45177	119	42	yogo	yogo	PROPN
cjfa-45177	119	43	,	,	PUNCT
cjfa-45177	119	44	2002	2002	NUM
cjfa-45177	119	45	)	)	PUNCT
cjfa-45177	119	46	.	.	PUNCT
cjfa-45177	120	1	therefore	therefore	ADV
cjfa-45177	120	2	,	,	PUNCT
cjfa-45177	120	3	the	the	DET
cjfa-45177	120	4	two	two	NUM
cjfa-45177	120	5	-	-	PUNCT
cjfa-45177	120	6	stage	stage	NOUN
cjfa-45177	120	7	least	least	ADJ
cjfa-45177	120	8	squares	square	NOUN
cjfa-45177	120	9	(	(	PUNCT
cjfa-45177	120	10	2sls	2sls	NOUN
cjfa-45177	120	11	)	)	PUNCT
cjfa-45177	120	12	technique	technique	NOUN
cjfa-45177	120	13	of	of	ADP
cjfa-45177	120	14	lewbel	lewbel	NOUN
cjfa-45177	120	15	(	(	PUNCT
cjfa-45177	120	16	2012	2012	NUM
cjfa-45177	120	17	)	)	PUNCT
cjfa-45177	120	18	solves	solve	VERB
cjfa-45177	120	19	this	this	DET
cjfa-45177	120	20	problem	problem	NOUN
cjfa-45177	120	21	.	.	PUNCT
cjfa-45177	121	1	the	the	DET
cjfa-45177	121	2	econometric	econometric	ADJ
cjfa-45177	121	3	model	model	NOUN
cjfa-45177	121	4	of	of	ADP
cjfa-45177	121	5	this	this	DET
cjfa-45177	121	6	study	study	NOUN
cjfa-45177	121	7	is	be	AUX
cjfa-45177	121	8	inspired	inspire	VERB
cjfa-45177	121	9	by	by	ADP
cjfa-45177	121	10	those	those	PRON
cjfa-45177	121	11	of	of	ADP
cjfa-45177	121	12	demir	demir	PROPN
cjfa-45177	121	13	,	,	PUNCT
cjfa-45177	121	14	gozgor	gozgor	ADJ
cjfa-45177	121	15	,	,	PUNCT
cjfa-45177	121	16	lau	lau	PROPN
cjfa-45177	121	17	and	and	CCONJ
cjfa-45177	121	18	vigne	vigne	PROPN
cjfa-45177	121	19	(	(	PUNCT
cjfa-45177	121	20	2019	2019	NUM
cjfa-45177	121	21	)	)	PUNCT
cjfa-45177	121	22	and	and	CCONJ
cjfa-45177	121	23	banna	banna	PROPN
cjfa-45177	121	24	,	,	PUNCT
cjfa-45177	121	25	hassan	hassan	PROPN
cjfa-45177	121	26	and	and	CCONJ
cjfa-45177	121	27	rashid	rashid	PROPN
cjfa-45177	121	28	(	(	PUNCT
cjfa-45177	121	29	2021	2021	NUM
cjfa-45177	121	30	)	)	PUNCT
cjfa-45177	121	31	which	which	PRON
cjfa-45177	121	32	analyse	analyse	VERB
cjfa-45177	121	33	the	the	DET
cjfa-45177	121	34	impact	impact	NOUN
cjfa-45177	121	35	of	of	ADP
cjfa-45177	121	36	fintech	fintech	NOUN
cjfa-45177	121	37	on	on	ADP
cjfa-45177	121	38	reducing	reduce	VERB
cjfa-45177	121	39	inequality	inequality	NOUN
cjfa-45177	121	40	.	.	PUNCT
cjfa-45177	122	1	overall	overall	ADV
cjfa-45177	122	2	,	,	PUNCT
cjfa-45177	122	3	the	the	DET
cjfa-45177	122	4	model	model	NOUN
cjfa-45177	122	5	is	be	AUX
cjfa-45177	122	6	as	as	SCONJ
cjfa-45177	122	7	follows	follow	VERB
cjfa-45177	122	8	:	:	PUNCT
cjfa-45177	122	9	must	must	AUX
cjfa-45177	122	10	be	be	AUX
cjfa-45177	122	11	properly	properly	ADV
cjfa-45177	122	12	excluded	exclude	VERB
cjfa-45177	122	13	from	from	ADP
cjfa-45177	122	14	the	the	DET
cjfa-45177	122	15	model	model	NOUN
cjfa-45177	122	16	so	so	SCONJ
cjfa-45177	122	17	that	that	SCONJ
cjfa-45177	122	18	its	its	PRON
cjfa-45177	122	19	effect	effect	NOUN
cjfa-45177	122	20	on	on	ADP
cjfa-45177	122	21	the	the	DET
cjfa-45177	122	22	response	response	NOUN
cjfa-45177	122	23	variable	variable	NOUN
cjfa-45177	122	24	is	be	AUX
cjfa-45177	122	25	only	only	ADV
cjfa-45177	122	26	indirect	indirect	ADJ
cjfa-45177	122	27	(	(	PUNCT
cjfa-45177	122	28	baum	baum	PROPN
cjfa-45177	122	29	,	,	PUNCT
cjfa-45177	122	30	cristina	cristina	PROPN
cjfa-45177	122	31	&	&	CCONJ
cjfa-45177	122	32	rother	rother	PROPN
cjfa-45177	122	33	,	,	PUNCT
cjfa-45177	122	34	2012	2012	NUM
cjfa-45177	122	35	)	)	PUNCT
cjfa-45177	122	36	.	.	PUNCT
cjfa-45177	123	1	however	however	ADV
cjfa-45177	123	2	,	,	PUNCT
cjfa-45177	123	3	finding	find	VERB
cjfa-45177	123	4	appropriate	appropriate	ADJ
cjfa-45177	123	5	instruments	instrument	NOUN
cjfa-45177	123	6	that	that	PRON
cjfa-45177	123	7	simultaneously	simultaneously	ADV
cjfa-45177	123	8	satisfy	satisfy	VERB
cjfa-45177	123	9	these	these	DET
cjfa-45177	123	10	conditions	condition	NOUN
cjfa-45177	123	11	is	be	AUX
cjfa-45177	123	12	often	often	ADV
cjfa-45177	123	13	difficult	difficult	ADJ
cjfa-45177	123	14	and	and	CCONJ
cjfa-45177	123	15	poses	pose	VERB
cjfa-45177	123	16	a	a	DET
cjfa-45177	123	17	serious	serious	ADJ
cjfa-45177	123	18	problem	problem	NOUN
cjfa-45177	123	19	for	for	ADP
cjfa-45177	123	20	the	the	DET
cjfa-45177	123	21	use	use	NOUN
cjfa-45177	123	22	of	of	ADP
cjfa-45177	123	23	instrumental	instrumental	ADJ
cjfa-45177	123	24	variable	variable	ADJ
cjfa-45177	123	25	estimators	estimator	NOUN
cjfa-45177	123	26	in	in	ADP
cjfa-45177	123	27	most	most	ADJ
cjfa-45177	123	28	applied	applied	ADJ
cjfa-45177	123	29	research	research	NOUN
cjfa-45177	123	30	(	(	PUNCT
cjfa-45177	123	31	baum	baum	PROPN
cjfa-45177	123	32	et	et	PROPN
cjfa-45177	123	33	al	al	PROPN
cjfa-45177	123	34	.	.	PROPN
cjfa-45177	123	35	,	,	PUNCT
cjfa-45177	123	36	2012	2012	NUM
cjfa-45177	123	37	;	;	PUNCT
cjfa-45177	123	38	stock	stock	NOUN
cjfa-45177	123	39	,	,	PUNCT
cjfa-45177	123	40	wright	wright	PROPN
cjfa-45177	123	41	&	&	CCONJ
cjfa-45177	123	42	yogo	yogo	PROPN
cjfa-45177	123	43	,	,	PUNCT
cjfa-45177	123	44	2002	2002	NUM
cjfa-45177	123	45	)	)	PUNCT
cjfa-45177	123	46	.	.	PUNCT
cjfa-45177	124	1	therefore	therefore	ADV
cjfa-45177	124	2	,	,	PUNCT
cjfa-45177	124	3	the	the	DET
cjfa-45177	124	4	two	two	NUM
cjfa-45177	124	5	-	-	PUNCT
cjfa-45177	124	6	stage	stage	NOUN
cjfa-45177	124	7	least	least	ADJ
cjfa-45177	124	8	squares	square	NOUN
cjfa-45177	124	9	(	(	PUNCT
cjfa-45177	124	10	2sls	2sls	NOUN
cjfa-45177	124	11	)	)	PUNCT
cjfa-45177	124	12	technique	technique	NOUN
cjfa-45177	124	13	of	of	ADP
cjfa-45177	124	14	lewbel	lewbel	NOUN
cjfa-45177	124	15	(	(	PUNCT
cjfa-45177	124	16	2012	2012	NUM
cjfa-45177	124	17	)	)	PUNCT
cjfa-45177	124	18	solves	solve	VERB
cjfa-45177	124	19	this	this	DET
cjfa-45177	124	20	problem	problem	NOUN
cjfa-45177	124	21	.	.	PUNCT
cjfa-45177	125	1	the	the	DET
cjfa-45177	125	2	econometric	econometric	ADJ
cjfa-45177	125	3	model	model	NOUN
cjfa-45177	125	4	of	of	ADP
cjfa-45177	125	5	this	this	DET
cjfa-45177	125	6	study	study	NOUN
cjfa-45177	125	7	is	be	AUX
cjfa-45177	125	8	inspired	inspire	VERB
cjfa-45177	125	9	by	by	ADP
cjfa-45177	125	10	those	those	PRON
cjfa-45177	125	11	of	of	ADP
cjfa-45177	125	12	demir	demir	PROPN
cjfa-45177	125	13	,	,	PUNCT
cjfa-45177	125	14	gozgor	gozgor	ADJ
cjfa-45177	125	15	,	,	PUNCT
cjfa-45177	125	16	lau	lau	PROPN
cjfa-45177	125	17	and	and	CCONJ
cjfa-45177	125	18	vigne	vigne	PROPN
cjfa-45177	125	19	(	(	PUNCT
cjfa-45177	125	20	2019	2019	NUM
cjfa-45177	125	21	)	)	PUNCT
cjfa-45177	125	22	and	and	CCONJ
cjfa-45177	125	23	banna	banna	PROPN
cjfa-45177	125	24	,	,	PUNCT
cjfa-45177	125	25	hassan	hassan	PROPN
cjfa-45177	125	26	and	and	CCONJ
cjfa-45177	125	27	rashid	rashid	PROPN
cjfa-45177	125	28	(	(	PUNCT
cjfa-45177	125	29	2021	2021	NUM
cjfa-45177	125	30	)	)	PUNCT
cjfa-45177	125	31	which	which	PRON
cjfa-45177	125	32	analyse	analyse	VERB
cjfa-45177	125	33	the	the	DET
cjfa-45177	125	34	impact	impact	NOUN
cjfa-45177	125	35	of	of	ADP
cjfa-45177	125	36	fintech	fintech	NOUN
cjfa-45177	125	37	on	on	ADP
cjfa-45177	125	38	reducing	reduce	VERB
cjfa-45177	125	39	inequality	inequality	NOUN
cjfa-45177	125	40	.	.	PUNCT
cjfa-45177	126	1	overall	overall	ADV
cjfa-45177	126	2	,	,	PUNCT
cjfa-45177	126	3	the	the	DET
cjfa-45177	126	4	model	model	NOUN
cjfa-45177	126	5	is	be	AUX
cjfa-45177	126	6	as	as	SCONJ
cjfa-45177	126	7	follows	follow	VERB
cjfa-45177	126	8	:	:	PUNCT
cjfa-45177	126	9	𝐹𝐹𝐹𝐹𝐹𝐹	𝐹𝐹𝐹𝐹𝐹𝐹	PROPN
cjfa-45177	126	10	�	�	PROPN
cjfa-45177	126	11	,	,	PUNCT
cjfa-45177	126	12	�	�	PROPN
cjfa-45177	126	13	�	�	PROPN
cjfa-45177	126	14	𝛼𝛼	𝛼𝛼	ADP
cjfa-45177	126	15	�	�	PROPN
cjfa-45177	126	16	𝛽𝛽	𝛽𝛽	ADP
cjfa-45177	126	17	𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹	𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹	PROPN
cjfa-45177	126	18	�	�	PROPN
cjfa-45177	126	19	,	,	PUNCT
cjfa-45177	126	20	�	�	PROPN
cjfa-45177	126	21	�	�	PROPN
cjfa-45177	126	22	𝛾𝛾	𝛾𝛾	PART
cjfa-45177	126	23	𝑋𝑋	𝑋𝑋	PROPN
cjfa-45177	126	24	�	�	PROPN
cjfa-45177	126	25	,	,	PUNCT
cjfa-45177	126	26	�	�	PROPN
cjfa-45177	126	27	�	�	PROPN
cjfa-45177	126	28	𝑣𝑣	𝑣𝑣	NUM
cjfa-45177	126	29	�	�	PROPN
cjfa-45177	126	30	�	�	PROPN
cjfa-45177	126	31	𝛿𝛿	𝛿𝛿	PROPN
cjfa-45177	126	32	�	�	PROPN
cjfa-45177	126	33	�	�	PROPN
cjfa-45177	126	34	𝜀𝜀	𝜀𝜀	PROPN
cjfa-45177	126	35	�	�	PROPN
cjfa-45177	126	36	,	,	PUNCT
cjfa-45177	126	37	�	�	PROPN
cjfa-45177	126	38	…	…	PUNCT
cjfa-45177	126	39	…	…	PUNCT
cjfa-45177	126	40	…	…	PUNCT
cjfa-45177	126	41	…	…	PUNCT
cjfa-45177	126	42	…	…	PUNCT
cjfa-45177	126	43	…	…	PUNCT
cjfa-45177	126	44	…	…	PUNCT
cjfa-45177	126	45	.	.	PUNCT
cjfa-45177	127	1	…	…	PUNCT
cjfa-45177	127	2	…	…	PUNCT
cjfa-45177	127	3	…	…	PUNCT
cjfa-45177	127	4	…	…	PUNCT
cjfa-45177	127	5	…	…	PUNCT
cjfa-45177	127	6	…	…	PUNCT
cjfa-45177	127	7	…	…	PUNCT
cjfa-45177	127	8	…	…	PUNCT
cjfa-45177	127	9	…	…	PUNCT
cjfa-45177	127	10	…	…	PUNCT
cjfa-45177	127	11	…	…	PUNCT
cjfa-45177	127	12	…	…	PUNCT
cjfa-45177	127	13	…	…	PUNCT
cjfa-45177	127	14	…	…	PUNCT
cjfa-45177	127	15	…	…	PUNCT
cjfa-45177	127	16	…	…	PUNCT
cjfa-45177	127	17	…	…	PUNCT
cjfa-45177	127	18	…	…	PUNCT
cjfa-45177	127	19	…	…	PUNCT
cjfa-45177	127	20	…	…	PUNCT
cjfa-45177	127	21	…	…	PUNCT
cjfa-45177	127	22	…	…	PUNCT
cjfa-45177	127	23	.	.	PUNCT
cjfa-45177	128	1	�	�	PROPN
cjfa-45177	128	2	1	1	NUM
cjfa-45177	128	3	�	�	PROPN
cjfa-45177	128	4	where	where	SCONJ
cjfa-45177	128	5	:	:	PUNCT
cjfa-45177	128	6	𝑭𝑭𝑭𝑭𝑭𝑭𝒊𝒊𝒊𝒊	𝑭𝑭𝑭𝑭𝑭𝑭𝒊𝒊𝒊𝒊	PROPN
cjfa-45177	128	7	,	,	PUNCT
cjfa-45177	128	8	represents	represent	VERB
cjfa-45177	128	9	the	the	DET
cjfa-45177	128	10	financial	financial	ADJ
cjfa-45177	128	11	inclusion	inclusion	NOUN
cjfa-45177	128	12	index	index	NOUN
cjfa-45177	128	13	,	,	PUNCT
cjfa-45177	128	14	which	which	PRON
cjfa-45177	128	15	was	be	AUX
cjfa-45177	128	16	constructed	construct	VERB
cjfa-45177	128	17	from	from	ADP
cjfa-45177	128	18	a	a	DET
cjfa-45177	128	19	set	set	NOUN
cjfa-45177	128	20	of	of	ADP
cjfa-45177	128	21	six	six	NUM
cjfa-45177	128	22	financial	financial	ADJ
cjfa-45177	128	23	inclusion	inclusion	NOUN
cjfa-45177	128	24	variables	variable	NOUN
cjfa-45177	128	25	,	,	PUNCT
cjfa-45177	129	1	𝑿𝑿𝒊𝒊𝒊𝒊	𝑿𝑿𝒊𝒊𝒊𝒊	PROPN
cjfa-45177	129	2	,	,	PUNCT
cjfa-45177	129	3	the	the	DET
cjfa-45177	129	4	control	control	NOUN
cjfa-45177	129	5	variables	variable	NOUN
cjfa-45177	129	6	of	of	ADP
cjfa-45177	129	7	a	a	DET
cjfa-45177	129	8	country	country	NOUN
cjfa-45177	129	9	𝐹𝐹𝐹𝐹	𝐹𝐹𝐹𝐹	NOUN
cjfa-45177	129	10	at	at	ADP
cjfa-45177	129	11	a	a	DET
cjfa-45177	129	12	period	period	NOUN
cjfa-45177	129	13	𝐹𝐹𝐹𝐹.	𝐹𝐹𝐹𝐹.	PROPN
cjfa-45177	129	14	𝒗𝒗𝒊𝒊	𝒗𝒗𝒊𝒊	NOUN
cjfa-45177	129	15	,	,	PUNCT
cjfa-45177	129	16	the	the	DET
cjfa-45177	129	17	unobserved	unobserved	ADJ
cjfa-45177	129	18	country	country	NOUN
cjfa-45177	129	19	specific	specific	ADJ
cjfa-45177	129	20	effects	effect	NOUN
cjfa-45177	129	21	;	;	PUNCT
cjfa-45177	129	22	𝜹𝜹𝒊𝒊	𝜹𝜹𝒊𝒊	PROPN
cjfa-45177	129	23	,	,	PUNCT
cjfa-45177	129	24	the	the	DET
cjfa-45177	129	25	common	common	ADJ
cjfa-45177	129	26	time	time	NOUN
cjfa-45177	129	27	specific	specific	ADJ
cjfa-45177	129	28	effect	effect	NOUN
cjfa-45177	129	29	for	for	ADP
cjfa-45177	129	30	all	all	DET
cjfa-45177	129	31	countries	country	NOUN
cjfa-45177	129	32	and	and	CCONJ
cjfa-45177	129	33	𝜀𝜀𝜀𝜀𝐹𝐹𝐹𝐹,𝐹𝐹	𝜀𝜀𝜀𝜀𝐹𝐹𝐹𝐹,𝐹𝐹	NOUN
cjfa-45177	129	34	,	,	PUNCT
cjfa-45177	129	35	the	the	DET
cjfa-45177	129	36	error	error	NOUN
cjfa-45177	129	37	term	term	NOUN
cjfa-45177	129	38	.	.	PUNCT
cjfa-45177	130	1	thus	thus	ADV
cjfa-45177	130	2	,	,	PUNCT
cjfa-45177	130	3	𝜶𝜶,𝜷𝜷,𝜸𝜸	𝜶𝜶,𝜷𝜷,𝜸𝜸	VERB
cjfa-45177	130	4	𝑎𝑎𝐹𝐹𝑎𝑎	𝑎𝑎𝐹𝐹𝑎𝑎	PRON
cjfa-45177	130	5	𝜹𝜹	𝜹𝜹	NOUN
cjfa-45177	130	6	are	be	AUX
cjfa-45177	130	7	the	the	DET
cjfa-45177	130	8	parameters	parameter	NOUN
cjfa-45177	130	9	to	to	PART
cjfa-45177	130	10	be	be	AUX
cjfa-45177	130	11	estimated	estimate	VERB
cjfa-45177	130	12	.	.	PUNCT
cjfa-45177	131	1	in	in	ADP
cjfa-45177	131	2	more	more	ADJ
cjfa-45177	131	3	detail	detail	NOUN
cjfa-45177	131	4	,	,	PUNCT
cjfa-45177	131	5	the	the	DET
cjfa-45177	131	6	econometric	econometric	ADJ
cjfa-45177	131	7	model	model	NOUN
cjfa-45177	131	8	for	for	ADP
cjfa-45177	131	9	this	this	DET
cjfa-45177	131	10	study	study	NOUN
cjfa-45177	131	11	is	be	AUX
cjfa-45177	131	12	as	as	SCONJ
cjfa-45177	131	13	follows	follow	VERB
cjfa-45177	131	14	:	:	PUNCT
cjfa-45177	131	15	𝐹𝐹𝐹𝐹𝐹𝐹	𝐹𝐹𝐹𝐹𝐹𝐹	PROPN
cjfa-45177	131	16	�	�	PROPN
cjfa-45177	131	17	,	,	PUNCT
cjfa-45177	131	18	�	�	PROPN
cjfa-45177	131	19	�	�	PROPN
cjfa-45177	131	20	𝛼𝛼	𝛼𝛼	ADP
cjfa-45177	131	21	�	�	PROPN
cjfa-45177	131	22	,	,	PUNCT
cjfa-45177	131	23	�	�	PROPN
cjfa-45177	131	24	�	�	PROPN
cjfa-45177	131	25	𝛽𝛽	𝛽𝛽	ADP
cjfa-45177	131	26	�	�	PROPN
cjfa-45177	131	27	𝑀𝑀𝑀𝑀	𝑀𝑀𝑀𝑀	PROPN
cjfa-45177	131	28	�	�	PROPN
cjfa-45177	131	29	,	,	PUNCT
cjfa-45177	131	30	�	�	PROPN
cjfa-45177	131	31	�	�	PROPN
cjfa-45177	131	32	𝛽𝛽	𝛽𝛽	ADP
cjfa-45177	131	33	�	�	PROPN
cjfa-45177	131	34	𝐺𝐺𝐺𝐺𝑀𝑀/𝐹	𝐺𝐺𝐺𝐺𝑀𝑀/𝐹	NOUN
cjfa-45177	131	35	�	�	PROPN
cjfa-45177	131	36	,	,	PUNCT
cjfa-45177	131	37	�	�	PROPN
cjfa-45177	131	38	�	�	PROPN
cjfa-45177	131	39	𝛽𝛽	𝛽𝛽	ADP
cjfa-45177	131	40	�	�	PROPN
cjfa-45177	131	41	𝐸𝐸𝐸𝐸𝐸𝐸𝐸𝐸	𝐸𝐸𝐸𝐸𝐸𝐸𝐸𝐸	PROPN
cjfa-45177	131	42	�	�	PROPN
cjfa-45177	131	43	,	,	PUNCT
cjfa-45177	131	44	�	�	PROPN
cjfa-45177	131	45	�	�	PROPN
cjfa-45177	131	46	𝛽𝛽	𝛽𝛽	ADP
cjfa-45177	131	47	�	�	PROPN
cjfa-45177	131	48	𝑆𝑆𝐹𝐹𝐹𝑆𝑆𝑆𝑆𝐸𝐸	𝑆𝑆𝐹𝐹𝐹𝑆𝑆𝑆𝑆𝐸𝐸	PROPN
cjfa-45177	131	49	�	�	PROPN
cjfa-45177	131	50	,	,	PUNCT
cjfa-45177	131	51	�	�	PROPN
cjfa-45177	131	52	�	�	PROPN
cjfa-45177	131	53	𝛽𝛽	𝛽𝛽	ADP
cjfa-45177	131	54	�	�	PROPN
cjfa-45177	131	55	𝑇𝑇𝐹𝐹	𝑇𝑇𝐹𝐹	PROPN
cjfa-45177	131	56	�	�	PROPN
cjfa-45177	131	57	,	,	PUNCT
cjfa-45177	131	58	�	�	PROPN
cjfa-45177	131	59	�	�	PROPN
cjfa-45177	131	60	𝜀𝜀	𝜀𝜀	PROPN
cjfa-45177	131	61	�	�	PROPN
cjfa-45177	131	62	,	,	PUNCT
cjfa-45177	131	63	�	�	PROPN
cjfa-45177	131	64	…	…	SYM
cjfa-45177	131	65	�	�	PROPN
cjfa-45177	131	66	2	2	NUM
cjfa-45177	131	67	�	�	PROPN
cjfa-45177	131	68	where	where	SCONJ
cjfa-45177	131	69	:	:	PUNCT
cjfa-45177	131	70	𝑴𝑴𝑴𝑴𝒊𝒊,𝒊𝒊	𝑴𝑴𝑴𝑴𝒊𝒊,𝒊𝒊	NUM
cjfa-45177	131	71	average	average	ADJ
cjfa-45177	131	72	mobile	mobile	ADJ
cjfa-45177	131	73	phone	phone	NOUN
cjfa-45177	131	74	penetration	penetration	NOUN
cjfa-45177	131	75	rate	rate	NOUN
cjfa-45177	131	76	𝑮𝑮𝑮𝑮𝑴𝑴/𝒉𝒉𝒊𝒊,𝒊𝒊	𝑮𝑮𝑮𝑮𝑴𝑴/𝒉𝒉𝒊𝒊,𝒊𝒊	PROPN
cjfa-45177	131	77	gdp	gdp	NOUN
cjfa-45177	131	78	per	per	ADP
cjfa-45177	131	79	heads	head	NOUN
cjfa-45177	131	80	,	,	PUNCT
cjfa-45177	131	81	𝑬𝑬𝑬𝑬𝑬𝑬𝑬𝑬𝒊𝒊,𝒊𝒊	𝑬𝑬𝑬𝑬𝑬𝑬𝑬𝑬𝒊𝒊,𝒊𝒊	NOUN
cjfa-45177	131	82	,	,	PUNCT
cjfa-45177	131	83	the	the	DET
cjfa-45177	131	84	employability	employability	NOUN
cjfa-45177	131	85	rate	rate	NOUN
cjfa-45177	131	86	of	of	ADP
cjfa-45177	131	87	independent	independent	ADJ
cjfa-45177	131	88	contractors	contractor	NOUN
cjfa-45177	131	89	𝑺𝑺𝑺𝑺𝒉𝒉𝑺𝑺𝑺𝑺𝑬𝑬𝒊𝒊,𝒊𝒊	𝑺𝑺𝑺𝑺𝒉𝒉𝑺𝑺𝑺𝑺𝑬𝑬𝒊𝒊,𝒊𝒊	VERB
cjfa-45177	131	90	represents	represent	VERB
cjfa-45177	131	91	the	the	DET
cjfa-45177	131	92	average	average	ADJ
cjfa-45177	131	93	level	level	NOUN
cjfa-45177	131	94	of	of	ADP
cjfa-45177	131	95	education	education	NOUN
cjfa-45177	131	96	of	of	ADP
cjfa-45177	131	97	the	the	DET
cjfa-45177	131	98	populations	population	NOUN
cjfa-45177	131	99	𝑻𝑻𝑭𝑭𝒊𝒊,𝒊𝒊	𝑻𝑻𝑭𝑭𝒊𝒊,𝒊𝒊	NUM
cjfa-45177	131	100	,	,	PUNCT
cjfa-45177	131	101	reference	reference	NOUN
cjfa-45177	131	102	to	to	ADP
cjfa-45177	131	103	the	the	DET
cjfa-45177	131	104	transfer	transfer	NOUN
cjfa-45177	131	105	of	of	ADP
cjfa-45177	131	106	funds	fund	NOUN
cjfa-45177	131	107	.	.	PUNCT
cjfa-45177	132	1	4	4	X
cjfa-45177	132	2	.	.	X
cjfa-45177	132	3	presentation	presentation	NOUN
cjfa-45177	132	4	and	and	CCONJ
cjfa-45177	132	5	interpretation	interpretation	NOUN
cjfa-45177	132	6	of	of	ADP
cjfa-45177	132	7	results	result	NOUN
cjfa-45177	132	8	the	the	DET
cjfa-45177	132	9	econometric	econometric	ADJ
cjfa-45177	132	10	model	model	NOUN
cjfa-45177	132	11	of	of	ADP
cjfa-45177	132	12	this	this	DET
cjfa-45177	132	13	study	study	NOUN
cjfa-45177	132	14	is	be	AUX
cjfa-45177	132	15	estimated	estimate	VERB
cjfa-45177	132	16	using	use	VERB
cjfa-45177	132	17	the	the	DET
cjfa-45177	132	18	ordinary	ordinary	ADJ
cjfa-45177	132	19	least	least	ADJ
cjfa-45177	132	20	squares	square	NOUN
cjfa-45177	132	21	technique	technique	NOUN
cjfa-45177	132	22	,	,	PUNCT
cjfa-45177	132	23	fixed	fix	VERB
cjfa-45177	132	24	effects	effect	NOUN
cjfa-45177	132	25	and	and	CCONJ
cjfa-45177	132	26	the	the	DET
cjfa-45177	132	27	driscoll	driscoll	NOUN
cjfa-45177	132	28	-	-	PUNCT
cjfa-45177	132	29	kraay	kraay	PROPN
cjfa-45177	132	30	(	(	PUNCT
cjfa-45177	132	31	1998	1998	NUM
cjfa-45177	132	32	)	)	PUNCT
cjfa-45177	132	33	method	method	NOUN
cjfa-45177	132	34	.	.	PUNCT
cjfa-45177	133	1	in	in	ADP
cjfa-45177	133	2	order	order	NOUN
cjfa-45177	133	3	to	to	PART
cjfa-45177	133	4	account	account	VERB
cjfa-45177	133	5	for	for	ADP
cjfa-45177	133	6	endogeneity	endogeneity	NOUN
cjfa-45177	133	7	and	and	CCONJ
cjfa-45177	133	8	heteroscedasticity	heteroscedasticity	NOUN
cjfa-45177	133	9	problems	problem	NOUN
cjfa-45177	133	10	,	,	PUNCT
cjfa-45177	133	11	the	the	DET
cjfa-45177	133	12	econometric	econometric	ADJ
cjfa-45177	133	13	model	model	NOUN
cjfa-45177	133	14	was	be	AUX
cjfa-45177	133	15	subsequently	subsequently	ADV
cjfa-45177	133	16	estimated	estimate	VERB
cjfa-45177	133	17	by	by	ADP
cjfa-45177	133	18	applying	apply	VERB
cjfa-45177	133	19	must	must	AUX
cjfa-45177	133	20	be	be	AUX
cjfa-45177	133	21	properly	properly	ADV
cjfa-45177	133	22	excluded	exclude	VERB
cjfa-45177	133	23	from	from	ADP
cjfa-45177	133	24	the	the	DET
cjfa-45177	133	25	model	model	NOUN
cjfa-45177	133	26	so	so	SCONJ
cjfa-45177	133	27	that	that	SCONJ
cjfa-45177	133	28	its	its	PRON
cjfa-45177	133	29	effect	effect	NOUN
cjfa-45177	133	30	on	on	ADP
cjfa-45177	133	31	the	the	DET
cjfa-45177	133	32	response	response	NOUN
cjfa-45177	133	33	variable	variable	NOUN
cjfa-45177	133	34	is	be	AUX
cjfa-45177	133	35	only	only	ADV
cjfa-45177	133	36	indirect	indirect	ADJ
cjfa-45177	133	37	(	(	PUNCT
cjfa-45177	133	38	baum	baum	PROPN
cjfa-45177	133	39	,	,	PUNCT
cjfa-45177	133	40	cristina	cristina	PROPN
cjfa-45177	133	41	&	&	CCONJ
cjfa-45177	133	42	rother	rother	PROPN
cjfa-45177	133	43	,	,	PUNCT
cjfa-45177	133	44	2012	2012	NUM
cjfa-45177	133	45	)	)	PUNCT
cjfa-45177	133	46	.	.	PUNCT
cjfa-45177	134	1	however	however	ADV
cjfa-45177	134	2	,	,	PUNCT
cjfa-45177	134	3	finding	find	VERB
cjfa-45177	134	4	appropriate	appropriate	ADJ
cjfa-45177	134	5	instruments	instrument	NOUN
cjfa-45177	134	6	that	that	PRON
cjfa-45177	134	7	simultaneously	simultaneously	ADV
cjfa-45177	134	8	satisfy	satisfy	VERB
cjfa-45177	134	9	these	these	DET
cjfa-45177	134	10	conditions	condition	NOUN
cjfa-45177	134	11	is	be	AUX
cjfa-45177	134	12	often	often	ADV
cjfa-45177	134	13	difficult	difficult	ADJ
cjfa-45177	134	14	and	and	CCONJ
cjfa-45177	134	15	poses	pose	VERB
cjfa-45177	134	16	a	a	DET
cjfa-45177	134	17	serious	serious	ADJ
cjfa-45177	134	18	problem	problem	NOUN
cjfa-45177	134	19	for	for	ADP
cjfa-45177	134	20	the	the	DET
cjfa-45177	134	21	use	use	NOUN
cjfa-45177	134	22	of	of	ADP
cjfa-45177	134	23	instrumental	instrumental	ADJ
cjfa-45177	134	24	variable	variable	ADJ
cjfa-45177	134	25	estimators	estimator	NOUN
cjfa-45177	134	26	in	in	ADP
cjfa-45177	134	27	most	most	ADJ
cjfa-45177	134	28	applied	applied	ADJ
cjfa-45177	134	29	research	research	NOUN
cjfa-45177	134	30	(	(	PUNCT
cjfa-45177	134	31	baum	baum	PROPN
cjfa-45177	134	32	et	et	PROPN
cjfa-45177	134	33	al	al	PROPN
cjfa-45177	134	34	.	.	PROPN
cjfa-45177	134	35	,	,	PUNCT
cjfa-45177	134	36	2012	2012	NUM
cjfa-45177	134	37	;	;	PUNCT
cjfa-45177	134	38	stock	stock	NOUN
cjfa-45177	134	39	,	,	PUNCT
cjfa-45177	134	40	wright	wright	PROPN
cjfa-45177	134	41	&	&	CCONJ
cjfa-45177	134	42	yogo	yogo	PROPN
cjfa-45177	134	43	,	,	PUNCT
cjfa-45177	134	44	2002	2002	NUM
cjfa-45177	134	45	)	)	PUNCT
cjfa-45177	134	46	.	.	PUNCT
cjfa-45177	135	1	therefore	therefore	ADV
cjfa-45177	135	2	,	,	PUNCT
cjfa-45177	135	3	the	the	DET
cjfa-45177	135	4	two	two	NUM
cjfa-45177	135	5	-	-	PUNCT
cjfa-45177	135	6	stage	stage	NOUN
cjfa-45177	135	7	least	least	ADJ
cjfa-45177	135	8	squares	square	NOUN
cjfa-45177	135	9	(	(	PUNCT
cjfa-45177	135	10	2sls	2sls	NOUN
cjfa-45177	135	11	)	)	PUNCT
cjfa-45177	135	12	technique	technique	NOUN
cjfa-45177	135	13	of	of	ADP
cjfa-45177	135	14	lewbel	lewbel	NOUN
cjfa-45177	135	15	(	(	PUNCT
cjfa-45177	135	16	2012	2012	NUM
cjfa-45177	135	17	)	)	PUNCT
cjfa-45177	135	18	solves	solve	VERB
cjfa-45177	135	19	this	this	DET
cjfa-45177	135	20	problem	problem	NOUN
cjfa-45177	135	21	.	.	PUNCT
cjfa-45177	136	1	the	the	DET
cjfa-45177	136	2	econometric	econometric	ADJ
cjfa-45177	136	3	model	model	NOUN
cjfa-45177	136	4	of	of	ADP
cjfa-45177	136	5	this	this	DET
cjfa-45177	136	6	study	study	NOUN
cjfa-45177	136	7	is	be	AUX
cjfa-45177	136	8	inspired	inspire	VERB
cjfa-45177	136	9	by	by	ADP
cjfa-45177	136	10	those	those	PRON
cjfa-45177	136	11	of	of	ADP
cjfa-45177	136	12	demir	demir	PROPN
cjfa-45177	136	13	,	,	PUNCT
cjfa-45177	136	14	gozgor	gozgor	ADJ
cjfa-45177	136	15	,	,	PUNCT
cjfa-45177	136	16	lau	lau	PROPN
cjfa-45177	136	17	and	and	CCONJ
cjfa-45177	136	18	vigne	vigne	PROPN
cjfa-45177	136	19	(	(	PUNCT
cjfa-45177	136	20	2019	2019	NUM
cjfa-45177	136	21	)	)	PUNCT
cjfa-45177	136	22	and	and	CCONJ
cjfa-45177	136	23	banna	banna	PROPN
cjfa-45177	136	24	,	,	PUNCT
cjfa-45177	136	25	hassan	hassan	PROPN
cjfa-45177	136	26	and	and	CCONJ
cjfa-45177	136	27	rashid	rashid	PROPN
cjfa-45177	136	28	(	(	PUNCT
cjfa-45177	136	29	2021	2021	NUM
cjfa-45177	136	30	)	)	PUNCT
cjfa-45177	136	31	which	which	PRON
cjfa-45177	136	32	analyse	analyse	VERB
cjfa-45177	136	33	the	the	DET
cjfa-45177	136	34	impact	impact	NOUN
cjfa-45177	136	35	of	of	ADP
cjfa-45177	136	36	fintech	fintech	NOUN
cjfa-45177	136	37	on	on	ADP
cjfa-45177	136	38	reducing	reduce	VERB
cjfa-45177	136	39	inequality	inequality	NOUN
cjfa-45177	136	40	.	.	PUNCT
cjfa-45177	137	1	overall	overall	ADV
cjfa-45177	137	2	,	,	PUNCT
cjfa-45177	137	3	the	the	DET
cjfa-45177	137	4	model	model	NOUN
cjfa-45177	137	5	is	be	AUX
cjfa-45177	137	6	as	as	SCONJ
cjfa-45177	137	7	follows	follow	VERB
cjfa-45177	137	8	:	:	PUNCT
cjfa-45177	137	9	𝐹𝐹𝐹𝐹𝐹𝐹	𝐹𝐹𝐹𝐹𝐹𝐹	PROPN
cjfa-45177	137	10	�	�	PROPN
cjfa-45177	137	11	,	,	PUNCT
cjfa-45177	137	12	�	�	PROPN
cjfa-45177	137	13	�	�	PROPN
cjfa-45177	137	14	𝛼𝛼	𝛼𝛼	ADP
cjfa-45177	137	15	�	�	PROPN
cjfa-45177	137	16	𝛽𝛽	𝛽𝛽	ADP
cjfa-45177	137	17	𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹	𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹	PROPN
cjfa-45177	137	18	�	�	PROPN
cjfa-45177	137	19	,	,	PUNCT
cjfa-45177	137	20	�	�	PROPN
cjfa-45177	137	21	�	�	PROPN
cjfa-45177	137	22	𝛾𝛾	𝛾𝛾	PART
cjfa-45177	137	23	𝑋𝑋	𝑋𝑋	PROPN
cjfa-45177	137	24	�	�	PROPN
cjfa-45177	137	25	,	,	PUNCT
cjfa-45177	137	26	�	�	PROPN
cjfa-45177	137	27	�	�	PROPN
cjfa-45177	137	28	𝑣𝑣	𝑣𝑣	NUM
cjfa-45177	137	29	�	�	PROPN
cjfa-45177	137	30	�	�	PROPN
cjfa-45177	137	31	𝛿𝛿	𝛿𝛿	PROPN
cjfa-45177	137	32	�	�	PROPN
cjfa-45177	137	33	�	�	PROPN
cjfa-45177	137	34	𝜀𝜀	𝜀𝜀	PROPN
cjfa-45177	137	35	�	�	PROPN
cjfa-45177	137	36	,	,	PUNCT
cjfa-45177	137	37	�	�	PROPN
cjfa-45177	137	38	…	…	PUNCT
cjfa-45177	137	39	…	…	PUNCT
cjfa-45177	137	40	…	…	PUNCT
cjfa-45177	137	41	…	…	PUNCT
cjfa-45177	137	42	…	…	PUNCT
cjfa-45177	137	43	…	…	PUNCT
cjfa-45177	137	44	…	…	PUNCT
cjfa-45177	137	45	.	.	PUNCT
cjfa-45177	138	1	…	…	PUNCT
cjfa-45177	138	2	…	…	PUNCT
cjfa-45177	138	3	…	…	PUNCT
cjfa-45177	138	4	…	…	PUNCT
cjfa-45177	138	5	…	…	PUNCT
cjfa-45177	138	6	…	…	PUNCT
cjfa-45177	138	7	…	…	PUNCT
cjfa-45177	138	8	…	…	PUNCT
cjfa-45177	138	9	…	…	PUNCT
cjfa-45177	138	10	…	…	PUNCT
cjfa-45177	138	11	…	…	PUNCT
cjfa-45177	138	12	…	…	PUNCT
cjfa-45177	138	13	…	…	PUNCT
cjfa-45177	138	14	…	…	PUNCT
cjfa-45177	138	15	…	…	PUNCT
cjfa-45177	138	16	…	…	PUNCT
cjfa-45177	138	17	…	…	PUNCT
cjfa-45177	138	18	…	…	PUNCT
cjfa-45177	138	19	…	…	PUNCT
cjfa-45177	138	20	…	…	PUNCT
cjfa-45177	138	21	…	…	PUNCT
cjfa-45177	138	22	…	…	PUNCT
cjfa-45177	138	23	.	.	PUNCT
cjfa-45177	139	1	�	�	PROPN
cjfa-45177	139	2	1	1	NUM
cjfa-45177	139	3	�	�	PROPN
cjfa-45177	139	4	where	where	SCONJ
cjfa-45177	139	5	:	:	PUNCT
cjfa-45177	139	6	𝑭𝑭𝑭𝑭𝑭𝑭𝒊𝒊𝒊𝒊	𝑭𝑭𝑭𝑭𝑭𝑭𝒊𝒊𝒊𝒊	PROPN
cjfa-45177	139	7	,	,	PUNCT
cjfa-45177	139	8	represents	represent	VERB
cjfa-45177	139	9	the	the	DET
cjfa-45177	139	10	financial	financial	ADJ
cjfa-45177	139	11	inclusion	inclusion	NOUN
cjfa-45177	139	12	index	index	NOUN
cjfa-45177	139	13	,	,	PUNCT
cjfa-45177	139	14	which	which	PRON
cjfa-45177	139	15	was	be	AUX
cjfa-45177	139	16	constructed	construct	VERB
cjfa-45177	139	17	from	from	ADP
cjfa-45177	139	18	a	a	DET
cjfa-45177	139	19	set	set	NOUN
cjfa-45177	139	20	of	of	ADP
cjfa-45177	139	21	six	six	NUM
cjfa-45177	139	22	financial	financial	ADJ
cjfa-45177	139	23	inclusion	inclusion	NOUN
cjfa-45177	139	24	variables	variable	NOUN
cjfa-45177	139	25	,	,	PUNCT
cjfa-45177	140	1	𝑿𝑿𝒊𝒊𝒊𝒊	𝑿𝑿𝒊𝒊𝒊𝒊	PROPN
cjfa-45177	140	2	,	,	PUNCT
cjfa-45177	140	3	the	the	DET
cjfa-45177	140	4	control	control	NOUN
cjfa-45177	140	5	variables	variable	NOUN
cjfa-45177	140	6	of	of	ADP
cjfa-45177	140	7	a	a	DET
cjfa-45177	140	8	country	country	NOUN
cjfa-45177	140	9	𝐹𝐹𝐹𝐹	𝐹𝐹𝐹𝐹	NOUN
cjfa-45177	140	10	at	at	ADP
cjfa-45177	140	11	a	a	DET
cjfa-45177	140	12	period	period	NOUN
cjfa-45177	140	13	𝐹𝐹𝐹𝐹.	𝐹𝐹𝐹𝐹.	PROPN
cjfa-45177	140	14	𝒗𝒗𝒊𝒊	𝒗𝒗𝒊𝒊	NOUN
cjfa-45177	140	15	,	,	PUNCT
cjfa-45177	140	16	the	the	DET
cjfa-45177	140	17	unobserved	unobserved	ADJ
cjfa-45177	140	18	country	country	NOUN
cjfa-45177	140	19	specific	specific	ADJ
cjfa-45177	140	20	effects	effect	NOUN
cjfa-45177	140	21	;	;	PUNCT
cjfa-45177	140	22	𝜹𝜹𝒊𝒊	𝜹𝜹𝒊𝒊	PROPN
cjfa-45177	140	23	,	,	PUNCT
cjfa-45177	140	24	the	the	DET
cjfa-45177	140	25	common	common	ADJ
cjfa-45177	140	26	time	time	NOUN
cjfa-45177	140	27	specific	specific	ADJ
cjfa-45177	140	28	effect	effect	NOUN
cjfa-45177	140	29	for	for	ADP
cjfa-45177	140	30	all	all	DET
cjfa-45177	140	31	countries	country	NOUN
cjfa-45177	140	32	and	and	CCONJ
cjfa-45177	140	33	𝜀𝜀𝜀𝜀𝐹𝐹𝐹𝐹,𝐹𝐹	𝜀𝜀𝜀𝜀𝐹𝐹𝐹𝐹,𝐹𝐹	NOUN
cjfa-45177	140	34	,	,	PUNCT
cjfa-45177	140	35	the	the	DET
cjfa-45177	140	36	error	error	NOUN
cjfa-45177	140	37	term	term	NOUN
cjfa-45177	140	38	.	.	PUNCT
cjfa-45177	141	1	thus	thus	ADV
cjfa-45177	141	2	,	,	PUNCT
cjfa-45177	141	3	𝜶𝜶,𝜷𝜷,𝜸𝜸	𝜶𝜶,𝜷𝜷,𝜸𝜸	VERB
cjfa-45177	141	4	𝑎𝑎𝐹𝐹𝑎𝑎	𝑎𝑎𝐹𝐹𝑎𝑎	PRON
cjfa-45177	141	5	𝜹𝜹	𝜹𝜹	NOUN
cjfa-45177	141	6	are	be	AUX
cjfa-45177	141	7	the	the	DET
cjfa-45177	141	8	parameters	parameter	NOUN
cjfa-45177	141	9	to	to	PART
cjfa-45177	141	10	be	be	AUX
cjfa-45177	141	11	estimated	estimate	VERB
cjfa-45177	141	12	.	.	PUNCT
cjfa-45177	142	1	in	in	ADP
cjfa-45177	142	2	more	more	ADJ
cjfa-45177	142	3	detail	detail	NOUN
cjfa-45177	142	4	,	,	PUNCT
cjfa-45177	142	5	the	the	DET
cjfa-45177	142	6	econometric	econometric	ADJ
cjfa-45177	142	7	model	model	NOUN
cjfa-45177	142	8	for	for	ADP
cjfa-45177	142	9	this	this	DET
cjfa-45177	142	10	study	study	NOUN
cjfa-45177	142	11	is	be	AUX
cjfa-45177	142	12	as	as	SCONJ
cjfa-45177	142	13	follows	follow	VERB
cjfa-45177	142	14	:	:	PUNCT
cjfa-45177	142	15	𝐹𝐹𝐹𝐹𝐹𝐹	𝐹𝐹𝐹𝐹𝐹𝐹	PROPN
cjfa-45177	142	16	�	�	PROPN
cjfa-45177	142	17	,	,	PUNCT
cjfa-45177	142	18	�	�	PROPN
cjfa-45177	142	19	�	�	PROPN
cjfa-45177	142	20	𝛼𝛼	𝛼𝛼	ADP
cjfa-45177	142	21	�	�	PROPN
cjfa-45177	142	22	,	,	PUNCT
cjfa-45177	142	23	�	�	PROPN
cjfa-45177	142	24	�	�	PROPN
cjfa-45177	142	25	𝛽𝛽	𝛽𝛽	ADP
cjfa-45177	142	26	�	�	PROPN
cjfa-45177	142	27	𝑀𝑀𝑀𝑀	𝑀𝑀𝑀𝑀	PROPN
cjfa-45177	142	28	�	�	PROPN
cjfa-45177	142	29	,	,	PUNCT
cjfa-45177	142	30	�	�	PROPN
cjfa-45177	142	31	�	�	PROPN
cjfa-45177	142	32	𝛽𝛽	𝛽𝛽	ADP
cjfa-45177	142	33	�	�	PROPN
cjfa-45177	142	34	𝐺𝐺𝐺𝐺𝑀𝑀/𝐹	𝐺𝐺𝐺𝐺𝑀𝑀/𝐹	NOUN
cjfa-45177	142	35	�	�	PROPN
cjfa-45177	142	36	,	,	PUNCT
cjfa-45177	142	37	�	�	PROPN
cjfa-45177	142	38	�	�	PROPN
cjfa-45177	142	39	𝛽𝛽	𝛽𝛽	ADP
cjfa-45177	142	40	�	�	PROPN
cjfa-45177	142	41	𝐸𝐸𝐸𝐸𝐸𝐸𝐸𝐸	𝐸𝐸𝐸𝐸𝐸𝐸𝐸𝐸	PROPN
cjfa-45177	142	42	�	�	PROPN
cjfa-45177	142	43	,	,	PUNCT
cjfa-45177	142	44	�	�	PROPN
cjfa-45177	142	45	�	�	PROPN
cjfa-45177	142	46	𝛽𝛽	𝛽𝛽	ADP
cjfa-45177	142	47	�	�	PROPN
cjfa-45177	142	48	𝑆𝑆𝐹𝐹𝐹𝑆𝑆𝑆𝑆𝐸𝐸	𝑆𝑆𝐹𝐹𝐹𝑆𝑆𝑆𝑆𝐸𝐸	PROPN
cjfa-45177	142	49	�	�	PROPN
cjfa-45177	142	50	,	,	PUNCT
cjfa-45177	142	51	�	�	PROPN
cjfa-45177	142	52	�	�	PROPN
cjfa-45177	142	53	𝛽𝛽	𝛽𝛽	ADP
cjfa-45177	142	54	�	�	PROPN
cjfa-45177	142	55	𝑇𝑇𝐹𝐹	𝑇𝑇𝐹𝐹	PROPN
cjfa-45177	142	56	�	�	PROPN
cjfa-45177	142	57	,	,	PUNCT
cjfa-45177	142	58	�	�	PROPN
cjfa-45177	142	59	�	�	PROPN
cjfa-45177	142	60	𝜀𝜀	𝜀𝜀	PROPN
cjfa-45177	142	61	�	�	PROPN
cjfa-45177	142	62	,	,	PUNCT
cjfa-45177	142	63	�	�	PROPN
cjfa-45177	142	64	…	…	SYM
cjfa-45177	142	65	�	�	PROPN
cjfa-45177	142	66	2	2	NUM
cjfa-45177	142	67	�	�	PROPN
cjfa-45177	142	68	where	where	SCONJ
cjfa-45177	142	69	:	:	PUNCT
cjfa-45177	142	70	𝑴𝑴𝑴𝑴𝒊𝒊,𝒊𝒊	𝑴𝑴𝑴𝑴𝒊𝒊,𝒊𝒊	NUM
cjfa-45177	142	71	average	average	ADJ
cjfa-45177	142	72	mobile	mobile	ADJ
cjfa-45177	142	73	phone	phone	NOUN
cjfa-45177	142	74	penetration	penetration	NOUN
cjfa-45177	142	75	rate	rate	NOUN
cjfa-45177	142	76	𝑮𝑮𝑮𝑮𝑴𝑴/𝒉𝒉𝒊𝒊,𝒊𝒊	𝑮𝑮𝑮𝑮𝑴𝑴/𝒉𝒉𝒊𝒊,𝒊𝒊	PROPN
cjfa-45177	142	77	gdp	gdp	NOUN
cjfa-45177	142	78	per	per	ADP
cjfa-45177	142	79	heads	head	NOUN
cjfa-45177	142	80	,	,	PUNCT
cjfa-45177	142	81	𝑬𝑬𝑬𝑬𝑬𝑬𝑬𝑬𝒊𝒊,𝒊𝒊	𝑬𝑬𝑬𝑬𝑬𝑬𝑬𝑬𝒊𝒊,𝒊𝒊	NOUN
cjfa-45177	142	82	,	,	PUNCT
cjfa-45177	142	83	the	the	DET
cjfa-45177	142	84	employability	employability	NOUN
cjfa-45177	142	85	rate	rate	NOUN
cjfa-45177	142	86	of	of	ADP
cjfa-45177	142	87	independent	independent	ADJ
cjfa-45177	142	88	contractors	contractor	NOUN
cjfa-45177	142	89	𝑺𝑺𝑺𝑺𝒉𝒉𝑺𝑺𝑺𝑺𝑬𝑬𝒊𝒊,𝒊𝒊	𝑺𝑺𝑺𝑺𝒉𝒉𝑺𝑺𝑺𝑺𝑬𝑬𝒊𝒊,𝒊𝒊	VERB
cjfa-45177	142	90	represents	represent	VERB
cjfa-45177	142	91	the	the	DET
cjfa-45177	142	92	average	average	ADJ
cjfa-45177	142	93	level	level	NOUN
cjfa-45177	142	94	of	of	ADP
cjfa-45177	142	95	education	education	NOUN
cjfa-45177	142	96	of	of	ADP
cjfa-45177	142	97	the	the	DET
cjfa-45177	142	98	populations	population	NOUN
cjfa-45177	142	99	𝑻𝑻𝑭𝑭𝒊𝒊,𝒊𝒊	𝑻𝑻𝑭𝑭𝒊𝒊,𝒊𝒊	NUM
cjfa-45177	142	100	,	,	PUNCT
cjfa-45177	142	101	reference	reference	NOUN
cjfa-45177	142	102	to	to	ADP
cjfa-45177	142	103	the	the	DET
cjfa-45177	142	104	transfer	transfer	NOUN
cjfa-45177	142	105	of	of	ADP
cjfa-45177	142	106	funds	fund	NOUN
cjfa-45177	142	107	.	.	PUNCT
cjfa-45177	143	1	4	4	X
cjfa-45177	143	2	.	.	X
cjfa-45177	143	3	presentation	presentation	NOUN
cjfa-45177	143	4	and	and	CCONJ
cjfa-45177	143	5	interpretation	interpretation	NOUN
cjfa-45177	143	6	of	of	ADP
cjfa-45177	143	7	results	result	NOUN
cjfa-45177	143	8	the	the	DET
cjfa-45177	143	9	econometric	econometric	ADJ
cjfa-45177	143	10	model	model	NOUN
cjfa-45177	143	11	of	of	ADP
cjfa-45177	143	12	this	this	DET
cjfa-45177	143	13	study	study	NOUN
cjfa-45177	143	14	is	be	AUX
cjfa-45177	143	15	estimated	estimate	VERB
cjfa-45177	143	16	using	use	VERB
cjfa-45177	143	17	the	the	DET
cjfa-45177	143	18	ordinary	ordinary	ADJ
cjfa-45177	143	19	least	least	ADJ
cjfa-45177	143	20	squares	square	NOUN
cjfa-45177	143	21	technique	technique	NOUN
cjfa-45177	143	22	,	,	PUNCT
cjfa-45177	143	23	fixed	fix	VERB
cjfa-45177	143	24	effects	effect	NOUN
cjfa-45177	143	25	and	and	CCONJ
cjfa-45177	143	26	the	the	DET
cjfa-45177	143	27	driscoll	driscoll	NOUN
cjfa-45177	143	28	-	-	PUNCT
cjfa-45177	143	29	kraay	kraay	PROPN
cjfa-45177	143	30	(	(	PUNCT
cjfa-45177	143	31	1998	1998	NUM
cjfa-45177	143	32	)	)	PUNCT
cjfa-45177	143	33	method	method	NOUN
cjfa-45177	143	34	.	.	PUNCT
cjfa-45177	144	1	in	in	ADP
cjfa-45177	144	2	order	order	NOUN
cjfa-45177	144	3	to	to	PART
cjfa-45177	144	4	account	account	VERB
cjfa-45177	144	5	for	for	ADP
cjfa-45177	144	6	endogeneity	endogeneity	NOUN
cjfa-45177	144	7	and	and	CCONJ
cjfa-45177	144	8	heteroscedasticity	heteroscedasticity	NOUN
cjfa-45177	144	9	problems	problem	NOUN
cjfa-45177	144	10	,	,	PUNCT
cjfa-45177	144	11	the	the	DET
cjfa-45177	144	12	econometric	econometric	ADJ
cjfa-45177	144	13	model	model	NOUN
cjfa-45177	144	14	was	be	AUX
cjfa-45177	144	15	subsequently	subsequently	ADV
cjfa-45177	144	16	estimated	estimate	VERB
cjfa-45177	144	17	by	by	ADP
cjfa-45177	144	18	applying	apply	VERB
cjfa-45177	144	19	(	(	PUNCT
cjfa-45177	144	20	1	1	NUM
cjfa-45177	144	21	)	)	PUNCT
cjfa-45177	144	22	where	where	SCONJ
cjfa-45177	144	23	:	:	PUNCT
cjfa-45177	144	24	fiiit	fiiit	NOUN
cjfa-45177	144	25	,	,	PUNCT
cjfa-45177	144	26	represents	represent	VERB
cjfa-45177	144	27	the	the	DET
cjfa-45177	144	28	financial	financial	ADJ
cjfa-45177	144	29	inclusion	inclusion	NOUN
cjfa-45177	144	30	index	index	NOUN
cjfa-45177	144	31	,	,	PUNCT
cjfa-45177	144	32	which	which	PRON
cjfa-45177	144	33	was	be	AUX
cjfa-45177	144	34	constructed	construct	VERB
cjfa-45177	144	35	from	from	ADP
cjfa-45177	144	36	a	a	DET
cjfa-45177	144	37	set	set	NOUN
cjfa-45177	144	38	of	of	ADP
cjfa-45177	144	39	six	six	NUM
cjfa-45177	144	40	financial	financial	ADJ
cjfa-45177	144	41	inclusion	inclusion	NOUN
cjfa-45177	144	42	variables	variable	NOUN
cjfa-45177	144	43	,	,	PUNCT
cjfa-45177	144	44	xit	xit	PROPN
cjfa-45177	144	45	,	,	PUNCT
cjfa-45177	144	46	the	the	DET
cjfa-45177	144	47	control	control	NOUN
cjfa-45177	144	48	variables	variable	NOUN
cjfa-45177	144	49	of	of	ADP
cjfa-45177	144	50	a	a	DET
cjfa-45177	144	51	country	country	NOUN
cjfa-45177	144	52	i	i	PRON
cjfa-45177	144	53	at	at	ADP
cjfa-45177	144	54	a	a	DET
cjfa-45177	144	55	period	period	NOUN
cjfa-45177	144	56	t	t	PROPN
cjfa-45177	144	57	,	,	PUNCT
cjfa-45177	144	58	vi	vi	PROPN
cjfa-45177	144	59	,	,	PUNCT
cjfa-45177	144	60	the	the	DET
cjfa-45177	144	61	unobserved	unobserved	ADJ
cjfa-45177	144	62	country	country	NOUN
cjfa-45177	144	63	specific	specific	ADJ
cjfa-45177	144	64	effects	effect	NOUN
cjfa-45177	144	65	;	;	PUNCT
cjfa-45177	144	66	δt	δt	X
cjfa-45177	144	67	,	,	PUNCT
cjfa-45177	144	68	the	the	DET
cjfa-45177	144	69	common	common	ADJ
cjfa-45177	144	70	time	time	NOUN
cjfa-45177	144	71	specific	specific	ADJ
cjfa-45177	144	72	effect	effect	NOUN
cjfa-45177	144	73	for	for	ADP
cjfa-45177	144	74	all	all	DET
cjfa-45177	144	75	countries	country	NOUN
cjfa-45177	144	76	and	and	CCONJ
cjfa-45177	144	77	𝜀𝑖	𝜀𝑖	NOUN
cjfa-45177	144	78	,	,	PUNCT
cjfa-45177	144	79	𝑡	𝑡	PROPN
cjfa-45177	144	80	,	,	PUNCT
cjfa-45177	144	81	the	the	DET
cjfa-45177	144	82	error	error	NOUN
cjfa-45177	144	83	term	term	NOUN
cjfa-45177	144	84	.	.	PUNCT
cjfa-45177	145	1	thus	thus	ADV
cjfa-45177	145	2	,	,	PUNCT
cjfa-45177	145	3	α	α	X
cjfa-45177	145	4	,	,	PUNCT
cjfa-45177	145	5	β	β	X
cjfa-45177	145	6	,	,	PUNCT
cjfa-45177	145	7	γ	γ	PROPN
cjfa-45177	145	8	and	and	CCONJ
cjfa-45177	145	9	δ	δ	PROPN
cjfa-45177	145	10	are	be	AUX
cjfa-45177	145	11	the	the	DET
cjfa-45177	145	12	parameters	parameter	NOUN
cjfa-45177	145	13	to	to	PART
cjfa-45177	145	14	be	be	AUX
cjfa-45177	145	15	estimated	estimate	VERB
cjfa-45177	145	16	.	.	PUNCT
cjfa-45177	146	1	wulli	wulli	PROPN
cjfa-45177	146	2	faustin	faustin	PROPN
cjfa-45177	146	3	djoufouet	djoufouet	PROPN
cjfa-45177	146	4	,	,	PUNCT
cjfa-45177	146	5	thierry	thierry	NOUN
cjfa-45177	146	6	messie	messie	NOUN
cjfa-45177	146	7	pondie7878	pondie7878	PROPN
cjfa-45177	146	8	in	in	ADP
cjfa-45177	146	9	more	more	ADJ
cjfa-45177	146	10	detail	detail	NOUN
cjfa-45177	146	11	,	,	PUNCT
cjfa-45177	146	12	the	the	DET
cjfa-45177	146	13	econometric	econometric	ADJ
cjfa-45177	146	14	model	model	NOUN
cjfa-45177	146	15	for	for	ADP
cjfa-45177	146	16	this	this	DET
cjfa-45177	146	17	study	study	NOUN
cjfa-45177	146	18	is	be	AUX
cjfa-45177	146	19	as	as	SCONJ
cjfa-45177	146	20	follows	follow	VERB
cjfa-45177	146	21	:	:	PUNCT
cjfa-45177	146	22	must	must	AUX
cjfa-45177	146	23	be	be	AUX
cjfa-45177	146	24	properly	properly	ADV
cjfa-45177	146	25	excluded	exclude	VERB
cjfa-45177	146	26	from	from	ADP
cjfa-45177	146	27	the	the	DET
cjfa-45177	146	28	model	model	NOUN
cjfa-45177	146	29	so	so	SCONJ
cjfa-45177	146	30	that	that	SCONJ
cjfa-45177	146	31	its	its	PRON
cjfa-45177	146	32	effect	effect	NOUN
cjfa-45177	146	33	on	on	ADP
cjfa-45177	146	34	the	the	DET
cjfa-45177	146	35	response	response	NOUN
cjfa-45177	146	36	variable	variable	NOUN
cjfa-45177	146	37	is	be	AUX
cjfa-45177	146	38	only	only	ADV
cjfa-45177	146	39	indirect	indirect	ADJ
cjfa-45177	146	40	(	(	PUNCT
cjfa-45177	146	41	baum	baum	PROPN
cjfa-45177	146	42	,	,	PUNCT
cjfa-45177	146	43	cristina	cristina	PROPN
cjfa-45177	146	44	&	&	CCONJ
cjfa-45177	146	45	rother	rother	PROPN
cjfa-45177	146	46	,	,	PUNCT
cjfa-45177	146	47	2012	2012	NUM
cjfa-45177	146	48	)	)	PUNCT
cjfa-45177	146	49	.	.	PUNCT
cjfa-45177	147	1	however	however	ADV
cjfa-45177	147	2	,	,	PUNCT
cjfa-45177	147	3	finding	find	VERB
cjfa-45177	147	4	appropriate	appropriate	ADJ
cjfa-45177	147	5	instruments	instrument	NOUN
cjfa-45177	147	6	that	that	PRON
cjfa-45177	147	7	simultaneously	simultaneously	ADV
cjfa-45177	147	8	satisfy	satisfy	VERB
cjfa-45177	147	9	these	these	DET
cjfa-45177	147	10	conditions	condition	NOUN
cjfa-45177	147	11	is	be	AUX
cjfa-45177	147	12	often	often	ADV
cjfa-45177	147	13	difficult	difficult	ADJ
cjfa-45177	147	14	and	and	CCONJ
cjfa-45177	147	15	poses	pose	VERB
cjfa-45177	147	16	a	a	DET
cjfa-45177	147	17	serious	serious	ADJ
cjfa-45177	147	18	problem	problem	NOUN
cjfa-45177	147	19	for	for	ADP
cjfa-45177	147	20	the	the	DET
cjfa-45177	147	21	use	use	NOUN
cjfa-45177	147	22	of	of	ADP
cjfa-45177	147	23	instrumental	instrumental	ADJ
cjfa-45177	147	24	variable	variable	ADJ
cjfa-45177	147	25	estimators	estimator	NOUN
cjfa-45177	147	26	in	in	ADP
cjfa-45177	147	27	most	most	ADJ
cjfa-45177	147	28	applied	applied	ADJ
cjfa-45177	147	29	research	research	NOUN
cjfa-45177	147	30	(	(	PUNCT
cjfa-45177	147	31	baum	baum	PROPN
cjfa-45177	147	32	et	et	PROPN
cjfa-45177	147	33	al	al	PROPN
cjfa-45177	147	34	.	.	PROPN
cjfa-45177	147	35	,	,	PUNCT
cjfa-45177	147	36	2012	2012	NUM
cjfa-45177	147	37	;	;	PUNCT
cjfa-45177	147	38	stock	stock	NOUN
cjfa-45177	147	39	,	,	PUNCT
cjfa-45177	147	40	wright	wright	PROPN
cjfa-45177	147	41	&	&	CCONJ
cjfa-45177	147	42	yogo	yogo	PROPN
cjfa-45177	147	43	,	,	PUNCT
cjfa-45177	147	44	2002	2002	NUM
cjfa-45177	147	45	)	)	PUNCT
cjfa-45177	147	46	.	.	PUNCT
cjfa-45177	148	1	therefore	therefore	ADV
cjfa-45177	148	2	,	,	PUNCT
cjfa-45177	148	3	the	the	DET
cjfa-45177	148	4	two	two	NUM
cjfa-45177	148	5	-	-	PUNCT
cjfa-45177	148	6	stage	stage	NOUN
cjfa-45177	148	7	least	least	ADJ
cjfa-45177	148	8	squares	square	NOUN
cjfa-45177	148	9	(	(	PUNCT
cjfa-45177	148	10	2sls	2sls	NOUN
cjfa-45177	148	11	)	)	PUNCT
cjfa-45177	148	12	technique	technique	NOUN
cjfa-45177	148	13	of	of	ADP
cjfa-45177	148	14	lewbel	lewbel	NOUN
cjfa-45177	148	15	(	(	PUNCT
cjfa-45177	148	16	2012	2012	NUM
cjfa-45177	148	17	)	)	PUNCT
cjfa-45177	148	18	solves	solve	VERB
cjfa-45177	148	19	this	this	DET
cjfa-45177	148	20	problem	problem	NOUN
cjfa-45177	148	21	.	.	PUNCT
cjfa-45177	149	1	the	the	DET
cjfa-45177	149	2	econometric	econometric	ADJ
cjfa-45177	149	3	model	model	NOUN
cjfa-45177	149	4	of	of	ADP
cjfa-45177	149	5	this	this	DET
cjfa-45177	149	6	study	study	NOUN
cjfa-45177	149	7	is	be	AUX
cjfa-45177	149	8	inspired	inspire	VERB
cjfa-45177	149	9	by	by	ADP
cjfa-45177	149	10	those	those	PRON
cjfa-45177	149	11	of	of	ADP
cjfa-45177	149	12	demir	demir	PROPN
cjfa-45177	149	13	,	,	PUNCT
cjfa-45177	149	14	gozgor	gozgor	ADJ
cjfa-45177	149	15	,	,	PUNCT
cjfa-45177	149	16	lau	lau	PROPN
cjfa-45177	149	17	and	and	CCONJ
cjfa-45177	149	18	vigne	vigne	PROPN
cjfa-45177	149	19	(	(	PUNCT
cjfa-45177	149	20	2019	2019	NUM
cjfa-45177	149	21	)	)	PUNCT
cjfa-45177	149	22	and	and	CCONJ
cjfa-45177	149	23	banna	banna	PROPN
cjfa-45177	149	24	,	,	PUNCT
cjfa-45177	149	25	hassan	hassan	PROPN
cjfa-45177	149	26	and	and	CCONJ
cjfa-45177	149	27	rashid	rashid	PROPN
cjfa-45177	149	28	(	(	PUNCT
cjfa-45177	149	29	2021	2021	NUM
cjfa-45177	149	30	)	)	PUNCT
cjfa-45177	149	31	which	which	PRON
cjfa-45177	149	32	analyse	analyse	VERB
cjfa-45177	149	33	the	the	DET
cjfa-45177	149	34	impact	impact	NOUN
cjfa-45177	149	35	of	of	ADP
cjfa-45177	149	36	fintech	fintech	NOUN
cjfa-45177	149	37	on	on	ADP
cjfa-45177	149	38	reducing	reduce	VERB
cjfa-45177	149	39	inequality	inequality	NOUN
cjfa-45177	149	40	.	.	PUNCT
cjfa-45177	150	1	overall	overall	ADV
cjfa-45177	150	2	,	,	PUNCT
cjfa-45177	150	3	the	the	DET
cjfa-45177	150	4	model	model	NOUN
cjfa-45177	150	5	is	be	AUX
cjfa-45177	150	6	as	as	SCONJ
cjfa-45177	150	7	follows	follow	VERB
cjfa-45177	150	8	:	:	PUNCT
cjfa-45177	150	9	𝐹𝐹𝐹𝐹𝐹𝐹	𝐹𝐹𝐹𝐹𝐹𝐹	PROPN
cjfa-45177	150	10	�	�	PROPN
cjfa-45177	150	11	,	,	PUNCT
cjfa-45177	150	12	�	�	PROPN
cjfa-45177	150	13	�	�	PROPN
cjfa-45177	150	14	𝛼𝛼	𝛼𝛼	ADP
cjfa-45177	150	15	�	�	PROPN
cjfa-45177	150	16	𝛽𝛽	𝛽𝛽	ADP
cjfa-45177	150	17	𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹	𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹	PROPN
cjfa-45177	150	18	�	�	PROPN
cjfa-45177	150	19	,	,	PUNCT
cjfa-45177	150	20	�	�	PROPN
cjfa-45177	150	21	�	�	PROPN
cjfa-45177	150	22	𝛾𝛾	𝛾𝛾	PART
cjfa-45177	150	23	𝑋𝑋	𝑋𝑋	PROPN
cjfa-45177	150	24	�	�	PROPN
cjfa-45177	150	25	,	,	PUNCT
cjfa-45177	150	26	�	�	PROPN
cjfa-45177	150	27	�	�	PROPN
cjfa-45177	150	28	𝑣𝑣	𝑣𝑣	NUM
cjfa-45177	150	29	�	�	PROPN
cjfa-45177	150	30	�	�	PROPN
cjfa-45177	150	31	𝛿𝛿	𝛿𝛿	PROPN
cjfa-45177	150	32	�	�	PROPN
cjfa-45177	150	33	�	�	PROPN
cjfa-45177	150	34	𝜀𝜀	𝜀𝜀	PROPN
cjfa-45177	150	35	�	�	PROPN
cjfa-45177	150	36	,	,	PUNCT
cjfa-45177	150	37	�	�	PROPN
cjfa-45177	150	38	…	…	PUNCT
cjfa-45177	150	39	…	…	PUNCT
cjfa-45177	150	40	…	…	PUNCT
cjfa-45177	150	41	…	…	PUNCT
cjfa-45177	150	42	…	…	PUNCT
cjfa-45177	150	43	…	…	PUNCT
cjfa-45177	150	44	…	…	PUNCT
cjfa-45177	150	45	.	.	PUNCT
cjfa-45177	151	1	…	…	PUNCT
cjfa-45177	151	2	…	…	PUNCT
cjfa-45177	151	3	…	…	PUNCT
cjfa-45177	151	4	…	…	PUNCT
cjfa-45177	151	5	…	…	PUNCT
cjfa-45177	151	6	…	…	PUNCT
cjfa-45177	151	7	…	…	PUNCT
cjfa-45177	151	8	…	…	PUNCT
cjfa-45177	151	9	…	…	PUNCT
cjfa-45177	151	10	…	…	PUNCT
cjfa-45177	151	11	…	…	PUNCT
cjfa-45177	151	12	…	…	PUNCT
cjfa-45177	151	13	…	…	PUNCT
cjfa-45177	151	14	…	…	PUNCT
cjfa-45177	151	15	…	…	PUNCT
cjfa-45177	151	16	…	…	PUNCT
cjfa-45177	151	17	…	…	PUNCT
cjfa-45177	151	18	…	…	PUNCT
cjfa-45177	151	19	…	…	PUNCT
cjfa-45177	151	20	…	…	PUNCT
cjfa-45177	151	21	…	…	PUNCT
cjfa-45177	151	22	…	…	PUNCT
cjfa-45177	151	23	.	.	PUNCT
cjfa-45177	152	1	�	�	PROPN
cjfa-45177	152	2	1	1	NUM
cjfa-45177	152	3	�	�	PROPN
cjfa-45177	152	4	where	where	SCONJ
cjfa-45177	152	5	:	:	PUNCT
cjfa-45177	152	6	𝑭𝑭𝑭𝑭𝑭𝑭𝒊𝒊𝒊𝒊	𝑭𝑭𝑭𝑭𝑭𝑭𝒊𝒊𝒊𝒊	PROPN
cjfa-45177	152	7	,	,	PUNCT
cjfa-45177	152	8	represents	represent	VERB
cjfa-45177	152	9	the	the	DET
cjfa-45177	152	10	financial	financial	ADJ
cjfa-45177	152	11	inclusion	inclusion	NOUN
cjfa-45177	152	12	index	index	NOUN
cjfa-45177	152	13	,	,	PUNCT
cjfa-45177	152	14	which	which	PRON
cjfa-45177	152	15	was	be	AUX
cjfa-45177	152	16	constructed	construct	VERB
cjfa-45177	152	17	from	from	ADP
cjfa-45177	152	18	a	a	DET
cjfa-45177	152	19	set	set	NOUN
cjfa-45177	152	20	of	of	ADP
cjfa-45177	152	21	six	six	NUM
cjfa-45177	152	22	financial	financial	ADJ
cjfa-45177	152	23	inclusion	inclusion	NOUN
cjfa-45177	152	24	variables	variable	NOUN
cjfa-45177	152	25	,	,	PUNCT
cjfa-45177	153	1	𝑿𝑿𝒊𝒊𝒊𝒊	𝑿𝑿𝒊𝒊𝒊𝒊	PROPN
cjfa-45177	153	2	,	,	PUNCT
cjfa-45177	153	3	the	the	DET
cjfa-45177	153	4	control	control	NOUN
cjfa-45177	153	5	variables	variable	NOUN
cjfa-45177	153	6	of	of	ADP
cjfa-45177	153	7	a	a	DET
cjfa-45177	153	8	country	country	NOUN
cjfa-45177	153	9	𝐹𝐹𝐹𝐹	𝐹𝐹𝐹𝐹	NOUN
cjfa-45177	153	10	at	at	ADP
cjfa-45177	153	11	a	a	DET
cjfa-45177	153	12	period	period	NOUN
cjfa-45177	153	13	𝐹𝐹𝐹𝐹.	𝐹𝐹𝐹𝐹.	PROPN
cjfa-45177	153	14	𝒗𝒗𝒊𝒊	𝒗𝒗𝒊𝒊	NOUN
cjfa-45177	153	15	,	,	PUNCT
cjfa-45177	153	16	the	the	DET
cjfa-45177	153	17	unobserved	unobserved	ADJ
cjfa-45177	153	18	country	country	NOUN
cjfa-45177	153	19	specific	specific	ADJ
cjfa-45177	153	20	effects	effect	NOUN
cjfa-45177	153	21	;	;	PUNCT
cjfa-45177	153	22	𝜹𝜹𝒊𝒊	𝜹𝜹𝒊𝒊	PROPN
cjfa-45177	153	23	,	,	PUNCT
cjfa-45177	153	24	the	the	DET
cjfa-45177	153	25	common	common	ADJ
cjfa-45177	153	26	time	time	NOUN
cjfa-45177	153	27	specific	specific	ADJ
cjfa-45177	153	28	effect	effect	NOUN
cjfa-45177	153	29	for	for	ADP
cjfa-45177	153	30	all	all	DET
cjfa-45177	153	31	countries	country	NOUN
cjfa-45177	153	32	and	and	CCONJ
cjfa-45177	153	33	𝜀𝜀𝜀𝜀𝐹𝐹𝐹𝐹,𝐹𝐹	𝜀𝜀𝜀𝜀𝐹𝐹𝐹𝐹,𝐹𝐹	NOUN
cjfa-45177	153	34	,	,	PUNCT
cjfa-45177	153	35	the	the	DET
cjfa-45177	153	36	error	error	NOUN
cjfa-45177	153	37	term	term	NOUN
cjfa-45177	153	38	.	.	PUNCT
cjfa-45177	154	1	thus	thus	ADV
cjfa-45177	154	2	,	,	PUNCT
cjfa-45177	154	3	𝜶𝜶,𝜷𝜷,𝜸𝜸	𝜶𝜶,𝜷𝜷,𝜸𝜸	VERB
cjfa-45177	154	4	𝑎𝑎𝐹𝐹𝑎𝑎	𝑎𝑎𝐹𝐹𝑎𝑎	PRON
cjfa-45177	154	5	𝜹𝜹	𝜹𝜹	NOUN
cjfa-45177	154	6	are	be	AUX
cjfa-45177	154	7	the	the	DET
cjfa-45177	154	8	parameters	parameter	NOUN
cjfa-45177	154	9	to	to	PART
cjfa-45177	154	10	be	be	AUX
cjfa-45177	154	11	estimated	estimate	VERB
cjfa-45177	154	12	.	.	PUNCT
cjfa-45177	155	1	in	in	ADP
cjfa-45177	155	2	more	more	ADJ
cjfa-45177	155	3	detail	detail	NOUN
cjfa-45177	155	4	,	,	PUNCT
cjfa-45177	155	5	the	the	DET
cjfa-45177	155	6	econometric	econometric	ADJ
cjfa-45177	155	7	model	model	NOUN
cjfa-45177	155	8	for	for	ADP
cjfa-45177	155	9	this	this	DET
cjfa-45177	155	10	study	study	NOUN
cjfa-45177	155	11	is	be	AUX
cjfa-45177	155	12	as	as	SCONJ
cjfa-45177	155	13	follows	follow	VERB
cjfa-45177	155	14	:	:	PUNCT
cjfa-45177	155	15	𝐹𝐹𝐹𝐹𝐹𝐹	𝐹𝐹𝐹𝐹𝐹𝐹	PROPN
cjfa-45177	155	16	�	�	PROPN
cjfa-45177	155	17	,	,	PUNCT
cjfa-45177	155	18	�	�	PROPN
cjfa-45177	155	19	�	�	PROPN
cjfa-45177	155	20	𝛼𝛼	𝛼𝛼	ADP
cjfa-45177	155	21	�	�	PROPN
cjfa-45177	155	22	,	,	PUNCT
cjfa-45177	155	23	�	�	PROPN
cjfa-45177	155	24	�	�	PROPN
cjfa-45177	155	25	𝛽𝛽	𝛽𝛽	ADP
cjfa-45177	155	26	�	�	PROPN
cjfa-45177	155	27	𝑀𝑀𝑀𝑀	𝑀𝑀𝑀𝑀	PROPN
cjfa-45177	155	28	�	�	PROPN
cjfa-45177	155	29	,	,	PUNCT
cjfa-45177	155	30	�	�	PROPN
cjfa-45177	155	31	�	�	PROPN
cjfa-45177	155	32	𝛽𝛽	𝛽𝛽	ADP
cjfa-45177	155	33	�	�	PROPN
cjfa-45177	155	34	𝐺𝐺𝐺𝐺𝑀𝑀/𝐹	𝐺𝐺𝐺𝐺𝑀𝑀/𝐹	NOUN
cjfa-45177	155	35	�	�	PROPN
cjfa-45177	155	36	,	,	PUNCT
cjfa-45177	155	37	�	�	PROPN
cjfa-45177	155	38	�	�	PROPN
cjfa-45177	155	39	𝛽𝛽	𝛽𝛽	ADP
cjfa-45177	155	40	�	�	PROPN
cjfa-45177	155	41	𝐸𝐸𝐸𝐸𝐸𝐸𝐸𝐸	𝐸𝐸𝐸𝐸𝐸𝐸𝐸𝐸	PROPN
cjfa-45177	155	42	�	�	PROPN
cjfa-45177	155	43	,	,	PUNCT
cjfa-45177	155	44	�	�	PROPN
cjfa-45177	155	45	�	�	PROPN
cjfa-45177	155	46	𝛽𝛽	𝛽𝛽	ADP
cjfa-45177	155	47	�	�	PROPN
cjfa-45177	155	48	𝑆𝑆𝐹𝐹𝐹𝑆𝑆𝑆𝑆𝐸𝐸	𝑆𝑆𝐹𝐹𝐹𝑆𝑆𝑆𝑆𝐸𝐸	PROPN
cjfa-45177	155	49	�	�	PROPN
cjfa-45177	155	50	,	,	PUNCT
cjfa-45177	155	51	�	�	PROPN
cjfa-45177	155	52	�	�	PROPN
cjfa-45177	155	53	𝛽𝛽	𝛽𝛽	ADP
cjfa-45177	155	54	�	�	PROPN
cjfa-45177	155	55	𝑇𝑇𝐹𝐹	𝑇𝑇𝐹𝐹	PROPN
cjfa-45177	155	56	�	�	PROPN
cjfa-45177	155	57	,	,	PUNCT
cjfa-45177	155	58	�	�	PROPN
cjfa-45177	155	59	�	�	PROPN
cjfa-45177	155	60	𝜀𝜀	𝜀𝜀	PROPN
cjfa-45177	155	61	�	�	PROPN
cjfa-45177	155	62	,	,	PUNCT
cjfa-45177	155	63	�	�	PROPN
cjfa-45177	155	64	…	…	SYM
cjfa-45177	155	65	�	�	PROPN
cjfa-45177	155	66	2	2	NUM
cjfa-45177	155	67	�	�	PROPN
cjfa-45177	155	68	where	where	SCONJ
cjfa-45177	155	69	:	:	PUNCT
cjfa-45177	155	70	𝑴𝑴𝑴𝑴𝒊𝒊,𝒊𝒊	𝑴𝑴𝑴𝑴𝒊𝒊,𝒊𝒊	NUM
cjfa-45177	155	71	average	average	ADJ
cjfa-45177	155	72	mobile	mobile	ADJ
cjfa-45177	155	73	phone	phone	NOUN
cjfa-45177	155	74	penetration	penetration	NOUN
cjfa-45177	155	75	rate	rate	NOUN
cjfa-45177	155	76	𝑮𝑮𝑮𝑮𝑴𝑴/𝒉𝒉𝒊𝒊,𝒊𝒊	𝑮𝑮𝑮𝑮𝑴𝑴/𝒉𝒉𝒊𝒊,𝒊𝒊	PROPN
cjfa-45177	155	77	gdp	gdp	NOUN
cjfa-45177	155	78	per	per	ADP
cjfa-45177	155	79	heads	head	NOUN
cjfa-45177	155	80	,	,	PUNCT
cjfa-45177	155	81	𝑬𝑬𝑬𝑬𝑬𝑬𝑬𝑬𝒊𝒊,𝒊𝒊	𝑬𝑬𝑬𝑬𝑬𝑬𝑬𝑬𝒊𝒊,𝒊𝒊	NOUN
cjfa-45177	155	82	,	,	PUNCT
cjfa-45177	155	83	the	the	DET
cjfa-45177	155	84	employability	employability	NOUN
cjfa-45177	155	85	rate	rate	NOUN
cjfa-45177	155	86	of	of	ADP
cjfa-45177	155	87	independent	independent	ADJ
cjfa-45177	155	88	contractors	contractor	NOUN
cjfa-45177	155	89	𝑺𝑺𝑺𝑺𝒉𝒉𝑺𝑺𝑺𝑺𝑬𝑬𝒊𝒊,𝒊𝒊	𝑺𝑺𝑺𝑺𝒉𝒉𝑺𝑺𝑺𝑺𝑬𝑬𝒊𝒊,𝒊𝒊	VERB
cjfa-45177	155	90	represents	represent	VERB
cjfa-45177	155	91	the	the	DET
cjfa-45177	155	92	average	average	ADJ
cjfa-45177	155	93	level	level	NOUN
cjfa-45177	155	94	of	of	ADP
cjfa-45177	155	95	education	education	NOUN
cjfa-45177	155	96	of	of	ADP
cjfa-45177	155	97	the	the	DET
cjfa-45177	155	98	populations	population	NOUN
cjfa-45177	155	99	𝑻𝑻𝑭𝑭𝒊𝒊,𝒊𝒊	𝑻𝑻𝑭𝑭𝒊𝒊,𝒊𝒊	NUM
cjfa-45177	155	100	,	,	PUNCT
cjfa-45177	155	101	reference	reference	NOUN
cjfa-45177	155	102	to	to	ADP
cjfa-45177	155	103	the	the	DET
cjfa-45177	155	104	transfer	transfer	NOUN
cjfa-45177	155	105	of	of	ADP
cjfa-45177	155	106	funds	fund	NOUN
cjfa-45177	155	107	.	.	PUNCT
cjfa-45177	156	1	4	4	X
cjfa-45177	156	2	.	.	X
cjfa-45177	156	3	presentation	presentation	NOUN
cjfa-45177	156	4	and	and	CCONJ
cjfa-45177	156	5	interpretation	interpretation	NOUN
cjfa-45177	156	6	of	of	ADP
cjfa-45177	156	7	results	result	NOUN
cjfa-45177	156	8	the	the	DET
cjfa-45177	156	9	econometric	econometric	ADJ
cjfa-45177	156	10	model	model	NOUN
cjfa-45177	156	11	of	of	ADP
cjfa-45177	156	12	this	this	DET
cjfa-45177	156	13	study	study	NOUN
cjfa-45177	156	14	is	be	AUX
cjfa-45177	156	15	estimated	estimate	VERB
cjfa-45177	156	16	using	use	VERB
cjfa-45177	156	17	the	the	DET
cjfa-45177	156	18	ordinary	ordinary	ADJ
cjfa-45177	156	19	least	least	ADJ
cjfa-45177	156	20	squares	square	NOUN
cjfa-45177	156	21	technique	technique	NOUN
cjfa-45177	156	22	,	,	PUNCT
cjfa-45177	156	23	fixed	fix	VERB
cjfa-45177	156	24	effects	effect	NOUN
cjfa-45177	156	25	and	and	CCONJ
cjfa-45177	156	26	the	the	DET
cjfa-45177	156	27	driscoll	driscoll	NOUN
cjfa-45177	156	28	-	-	PUNCT
cjfa-45177	156	29	kraay	kraay	PROPN
cjfa-45177	156	30	(	(	PUNCT
cjfa-45177	156	31	1998	1998	NUM
cjfa-45177	156	32	)	)	PUNCT
cjfa-45177	156	33	method	method	NOUN
cjfa-45177	156	34	.	.	PUNCT
cjfa-45177	157	1	in	in	ADP
cjfa-45177	157	2	order	order	NOUN
cjfa-45177	157	3	to	to	PART
cjfa-45177	157	4	account	account	VERB
cjfa-45177	157	5	for	for	ADP
cjfa-45177	157	6	endogeneity	endogeneity	NOUN
cjfa-45177	157	7	and	and	CCONJ
cjfa-45177	157	8	heteroscedasticity	heteroscedasticity	NOUN
cjfa-45177	157	9	problems	problem	NOUN
cjfa-45177	157	10	,	,	PUNCT
cjfa-45177	157	11	the	the	DET
cjfa-45177	157	12	econometric	econometric	ADJ
cjfa-45177	157	13	model	model	NOUN
cjfa-45177	157	14	was	be	AUX
cjfa-45177	157	15	subsequently	subsequently	ADV
cjfa-45177	157	16	estimated	estimate	VERB
cjfa-45177	157	17	by	by	ADP
cjfa-45177	157	18	applying	apply	VERB
cjfa-45177	157	19	(	(	PUNCT
cjfa-45177	157	20	2	2	NUM
cjfa-45177	157	21	)	)	PUNCT
cjfa-45177	157	22	where	where	SCONJ
cjfa-45177	157	23	:	:	PUNCT
cjfa-45177	157	24	mpi	mpi	PROPN
cjfa-45177	157	25	,	,	PUNCT
cjfa-45177	157	26	t	t	PROPN
cjfa-45177	157	27	,	,	PUNCT
cjfa-45177	157	28	average	average	ADJ
cjfa-45177	157	29	mobile	mobile	ADJ
cjfa-45177	157	30	phone	phone	NOUN
cjfa-45177	157	31	penetration	penetration	NOUN
cjfa-45177	157	32	rate	rate	NOUN
cjfa-45177	157	33	,	,	PUNCT
cjfa-45177	157	34	gdp	gdp	NOUN
cjfa-45177	157	35	/	/	SYM
cjfa-45177	157	36	hi	hi	PROPN
cjfa-45177	157	37	,	,	PUNCT
cjfa-45177	157	38	t	t	PROPN
cjfa-45177	157	39	,	,	PUNCT
cjfa-45177	157	40	gdp	gdp	NOUN
cjfa-45177	157	41	per	per	ADP
cjfa-45177	157	42	heads	head	NOUN
cjfa-45177	157	43	,	,	PUNCT
cjfa-45177	157	44	empli	empli	PROPN
cjfa-45177	157	45	,	,	PUNCT
cjfa-45177	157	46	t	t	PROPN
cjfa-45177	157	47	,	,	PUNCT
cjfa-45177	157	48	the	the	DET
cjfa-45177	157	49	employability	employability	NOUN
cjfa-45177	157	50	rate	rate	NOUN
cjfa-45177	157	51	of	of	ADP
cjfa-45177	157	52	independent	independent	ADJ
cjfa-45177	157	53	contractors	contractor	NOUN
cjfa-45177	157	54	,	,	PUNCT
cjfa-45177	157	55	schooli	schooli	PROPN
cjfa-45177	157	56	,	,	PUNCT
cjfa-45177	157	57	t	t	PROPN
cjfa-45177	157	58	,	,	PUNCT
cjfa-45177	157	59	represents	represent	VERB
cjfa-45177	157	60	the	the	DET
cjfa-45177	157	61	average	average	ADJ
cjfa-45177	157	62	level	level	NOUN
cjfa-45177	157	63	of	of	ADP
cjfa-45177	157	64	education	education	NOUN
cjfa-45177	157	65	of	of	ADP
cjfa-45177	157	66	the	the	DET
cjfa-45177	157	67	populations	population	NOUN
cjfa-45177	157	68	,	,	PUNCT
cjfa-45177	157	69	tfi	tfi	PROPN
cjfa-45177	157	70	,	,	PUNCT
cjfa-45177	157	71	t	t	PROPN
cjfa-45177	157	72	,	,	PUNCT
cjfa-45177	157	73	reference	reference	NOUN
cjfa-45177	157	74	to	to	ADP
cjfa-45177	157	75	the	the	DET
cjfa-45177	157	76	transfer	transfer	NOUN
cjfa-45177	157	77	of	of	ADP
cjfa-45177	157	78	funds	fund	NOUN
cjfa-45177	157	79	.	.	PUNCT
cjfa-45177	158	1	presentation	presentation	NOUN
cjfa-45177	158	2	and	and	CCONJ
cjfa-45177	158	3	interpretation	interpretation	NOUN
cjfa-45177	158	4	of	of	ADP
cjfa-45177	158	5	resultspresentation	resultspresentation	NOUN
cjfa-45177	158	6	and	and	CCONJ
cjfa-45177	158	7	interpretation	interpretation	NOUN
cjfa-45177	158	8	of	of	ADP
cjfa-45177	158	9	results	result	NOUN
cjfa-45177	158	10	the	the	DET
cjfa-45177	158	11	econometric	econometric	ADJ
cjfa-45177	158	12	model	model	NOUN
cjfa-45177	158	13	of	of	ADP
cjfa-45177	158	14	this	this	DET
cjfa-45177	158	15	study	study	NOUN
cjfa-45177	158	16	is	be	AUX
cjfa-45177	158	17	estimated	estimate	VERB
cjfa-45177	158	18	using	use	VERB
cjfa-45177	158	19	the	the	DET
cjfa-45177	158	20	ordinary	ordinary	ADJ
cjfa-45177	158	21	least	least	ADJ
cjfa-45177	158	22	squares	square	NOUN
cjfa-45177	158	23	technique	technique	NOUN
cjfa-45177	158	24	,	,	PUNCT
cjfa-45177	158	25	fixed	fix	VERB
cjfa-45177	158	26	effects	effect	NOUN
cjfa-45177	158	27	and	and	CCONJ
cjfa-45177	158	28	the	the	DET
cjfa-45177	158	29	driscoll	driscoll	NOUN
cjfa-45177	158	30	-	-	PUNCT
cjfa-45177	158	31	kraay	kraay	PROPN
cjfa-45177	158	32	(	(	PUNCT
cjfa-45177	158	33	1998	1998	NUM
cjfa-45177	158	34	)	)	PUNCT
cjfa-45177	158	35	method	method	NOUN
cjfa-45177	158	36	.	.	PUNCT
cjfa-45177	159	1	in	in	ADP
cjfa-45177	159	2	order	order	NOUN
cjfa-45177	159	3	to	to	PART
cjfa-45177	159	4	account	account	VERB
cjfa-45177	159	5	for	for	ADP
cjfa-45177	159	6	endogeneity	endogeneity	NOUN
cjfa-45177	159	7	and	and	CCONJ
cjfa-45177	159	8	heteroscedasticity	heteroscedasticity	NOUN
cjfa-45177	159	9	problems	problem	NOUN
cjfa-45177	159	10	,	,	PUNCT
cjfa-45177	159	11	the	the	DET
cjfa-45177	159	12	econometric	econometric	ADJ
cjfa-45177	159	13	model	model	NOUN
cjfa-45177	159	14	was	be	AUX
cjfa-45177	159	15	subsequently	subsequently	ADV
cjfa-45177	159	16	estimated	estimate	VERB
cjfa-45177	159	17	by	by	ADP
cjfa-45177	159	18	applying	apply	VERB
cjfa-45177	159	19	two	two	NUM
cjfa-45177	159	20	-	-	PUNCT
cjfa-45177	159	21	stage	stage	NOUN
cjfa-45177	159	22	ordinary	ordinary	ADJ
cjfa-45177	159	23	least	least	ADJ
cjfa-45177	159	24	squares	square	NOUN
cjfa-45177	159	25	and	and	CCONJ
cjfa-45177	159	26	lewbel	lewbel	VERB
cjfa-45177	159	27	2ls	2ls	NOUN
cjfa-45177	159	28	.	.	PUNCT
cjfa-45177	160	1	lewbel	lewbel	NOUN
cjfa-45177	160	2	(	(	PUNCT
cjfa-45177	160	3	2012	2012	NUM
cjfa-45177	160	4	)	)	PUNCT
cjfa-45177	160	5	provides	provide	VERB
cjfa-45177	160	6	an	an	DET
cjfa-45177	160	7	estimator	estimator	NOUN
cjfa-45177	160	8	for	for	ADP
cjfa-45177	160	9	linear	linear	PROPN
cjfa-45177	160	10	regression	regression	NOUN
cjfa-45177	160	11	models	model	NOUN
cjfa-45177	160	12	containing	contain	VERB
cjfa-45177	160	13	an	an	DET
cjfa-45177	160	14	endogenous	endogenous	ADJ
cjfa-45177	160	15	regressor	regressor	NOUN
cjfa-45177	160	16	,	,	PUNCT
cjfa-45177	160	17	when	when	SCONJ
cjfa-45177	160	18	no	no	DET
cjfa-45177	160	19	outside	outside	ADJ
cjfa-45177	160	20	instruments	instrument	NOUN
cjfa-45177	160	21	or	or	CCONJ
cjfa-45177	160	22	other	other	ADJ
cjfa-45177	160	23	such	such	ADJ
cjfa-45177	160	24	information	information	NOUN
cjfa-45177	160	25	is	be	AUX
cjfa-45177	160	26	available	available	ADJ
cjfa-45177	160	27	.	.	PUNCT
cjfa-45177	161	1	the	the	DET
cjfa-45177	161	2	method	method	NOUN
cjfa-45177	161	3	works	work	VERB
cjfa-45177	161	4	by	by	ADP
cjfa-45177	161	5	exploiting	exploit	VERB
cjfa-45177	161	6	model	model	NOUN
cjfa-45177	161	7	heteroscedasticity	heteroscedasticity	NOUN
cjfa-45177	161	8	to	to	PART
cjfa-45177	161	9	construct	construct	VERB
cjfa-45177	161	10	instruments	instrument	NOUN
cjfa-45177	161	11	using	use	VERB
cjfa-45177	161	12	the	the	DET
cjfa-45177	161	13	available	available	ADJ
cjfa-45177	161	14	regressors	regressor	NOUN
cjfa-45177	161	15	.	.	PUNCT
cjfa-45177	162	1	some	some	DET
cjfa-45177	162	2	authors	author	NOUN
cjfa-45177	162	3	have	have	AUX
cjfa-45177	162	4	considered	consider	VERB
cjfa-45177	162	5	the	the	DET
cjfa-45177	162	6	method	method	NOUN
cjfa-45177	162	7	in	in	ADP
cjfa-45177	162	8	empirical	empirical	ADJ
cjfa-45177	162	9	applications	application	NOUN
cjfa-45177	162	10	where	where	SCONJ
cjfa-45177	162	11	an	an	DET
cjfa-45177	162	12	endogenous	endogenous	ADJ
cjfa-45177	162	13	regressor	regressor	NOUN
cjfa-45177	162	14	is	be	AUX
cjfa-45177	162	15	binary	binary	ADJ
cjfa-45177	162	16	,	,	PUNCT
cjfa-45177	162	17	without	without	ADP
cjfa-45177	162	18	proving	prove	VERB
cjfa-45177	162	19	validity	validity	NOUN
cjfa-45177	162	20	of	of	ADP
cjfa-45177	162	21	the	the	DET
cjfa-45177	162	22	estimator	estimator	NOUN
cjfa-45177	162	23	in	in	ADP
cjfa-45177	162	24	that	that	DET
cjfa-45177	162	25	case	case	NOUN
cjfa-45177	162	26	.	.	PUNCT
cjfa-45177	163	1	table	table	NOUN
cjfa-45177	163	2	2	2	NUM
cjfa-45177	163	3	below	below	ADP
cjfa-45177	163	4	presents	present	VERB
cjfa-45177	163	5	the	the	DET
cjfa-45177	163	6	results	result	NOUN
cjfa-45177	163	7	of	of	ADP
cjfa-45177	163	8	the	the	DET
cjfa-45177	163	9	baseline	baseline	ADJ
cjfa-45177	163	10	estimates	estimate	NOUN
cjfa-45177	163	11	of	of	ADP
cjfa-45177	163	12	the	the	DET
cjfa-45177	163	13	relationship	relationship	NOUN
cjfa-45177	163	14	between	between	ADP
cjfa-45177	163	15	fintech	fintech	NOUN
cjfa-45177	163	16	and	and	CCONJ
cjfa-45177	163	17	financial	financial	ADJ
cjfa-45177	163	18	inclusion	inclusion	NOUN
cjfa-45177	163	19	using	use	VERB
cjfa-45177	163	20	mobile	mobile	ADJ
cjfa-45177	163	21	phone	phone	NOUN
cjfa-45177	163	22	and	and	CCONJ
cjfa-45177	163	23	fixed	fix	VERB
cjfa-45177	163	24	phone	phone	NOUN
cjfa-45177	163	25	as	as	ADP
cjfa-45177	163	26	variables	variable	NOUN
cjfa-45177	163	27	of	of	ADP
cjfa-45177	163	28	interest	interest	NOUN
cjfa-45177	163	29	.	.	PUNCT
cjfa-45177	164	1	table	table	NOUN
cjfa-45177	164	2	3	3	NUM
cjfa-45177	164	3	tests	test	VERB
cjfa-45177	164	4	the	the	DET
cjfa-45177	164	5	robustness	robustness	NOUN
cjfa-45177	164	6	of	of	ADP
cjfa-45177	164	7	these	these	DET
cjfa-45177	164	8	results	result	NOUN
cjfa-45177	164	9	by	by	ADP
cjfa-45177	164	10	incorporating	incorporate	VERB
cjfa-45177	164	11	the	the	DET
cjfa-45177	164	12	additional	additional	ADJ
cjfa-45177	164	13	variables	variable	NOUN
cjfa-45177	164	14	.	.	PUNCT
cjfa-45177	165	1	table	table	NOUN
cjfa-45177	165	2	4	4	NUM
cjfa-45177	165	3	presents	present	VERB
cjfa-45177	165	4	the	the	DET
cjfa-45177	165	5	results	result	NOUN
cjfa-45177	165	6	of	of	ADP
cjfa-45177	165	7	the	the	DET
cjfa-45177	165	8	estimations	estimation	NOUN
cjfa-45177	165	9	that	that	PRON
cjfa-45177	165	10	take	take	VERB
cjfa-45177	165	11	into	into	ADP
cjfa-45177	165	12	account	account	NOUN
cjfa-45177	165	13	the	the	DET
cjfa-45177	165	14	endogeneity	endogeneity	NOUN
cjfa-45177	165	15	and	and	CCONJ
cjfa-45177	165	16	heteroscedasticity	heteroscedasticity	NOUN
cjfa-45177	165	17	problems	problem	NOUN
cjfa-45177	165	18	that	that	PRON
cjfa-45177	165	19	may	may	AUX
cjfa-45177	165	20	exist	exist	VERB
cjfa-45177	165	21	in	in	ADP
cjfa-45177	165	22	the	the	DET
cjfa-45177	165	23	data	datum	NOUN
cjfa-45177	165	24	.	.	PUNCT
cjfa-45177	166	1	the	the	DET
cjfa-45177	166	2	latter	latter	ADJ
cjfa-45177	166	3	results	result	NOUN
cjfa-45177	166	4	seek	seek	VERB
cjfa-45177	166	5	to	to	PART
cjfa-45177	166	6	confirm	confirm	VERB
cjfa-45177	166	7	the	the	DET
cjfa-45177	166	8	previous	previous	ADJ
cjfa-45177	166	9	ones	one	NOUN
cjfa-45177	166	10	.	.	PUNCT
cjfa-45177	167	1	ta	ta	AUX
cjfa-45177	167	2	bl	bl	PROPN
cjfa-45177	167	3	e	e	PROPN
cjfa-45177	167	4	2	2	NUM
cjfa-45177	167	5	.	.	X
cjfa-45177	167	6	b	b	NOUN
cjfa-45177	167	7	as	as	ADP
cjfa-45177	167	8	el	el	PROPN
cjfa-45177	167	9	in	in	ADP
cjfa-45177	167	10	e	e	PROPN
cjfa-45177	167	11	es	es	ADP
cjfa-45177	167	12	ti	ti	PROPN
cjfa-45177	167	13	m	m	NOUN
cjfa-45177	167	14	at	at	ADP
cjfa-45177	167	15	io	io	PROPN
cjfa-45177	167	16	n	n	PROPN
cjfa-45177	167	17	v	v	PROPN
cjfa-45177	167	18	ar	ar	PROPN
cjfa-45177	167	19	ia	ia	PROPN
cjfa-45177	167	20	bl	bl	PROPN
cjfa-45177	167	21	es	es	PROPN
cjfa-45177	167	22	fi	fi	PROPN
cjfa-45177	167	23	na	na	PROPN
cjfa-45177	167	24	nc	nc	PROPN
cjfa-45177	167	25	ia	ia	PROPN
cjfa-45177	168	1	l	l	PROPN
cjfa-45177	169	1	i	i	PRON
cjfa-45177	169	2	nc	nc	PROPN
cjfa-45177	169	3	lu	lu	PROPN
cjfa-45177	169	4	si	si	X
cjfa-45177	169	5	on	on	ADV
cjfa-45177	169	6	in	in	ADP
cjfa-45177	169	7	de	de	X
cjfa-45177	169	8	x	x	NOUN
cjfa-45177	169	9	o	o	X
cjfa-45177	169	10	ls	ls	PROPN
cjfa-45177	169	11	d	d	X
cjfa-45177	169	12	ri	ri	PROPN
cjfa-45177	169	13	sc	sc	PROPN
cjfa-45177	169	14	ol	ol	PROPN
cjfa-45177	169	15	l	l	PROPN
cjfa-45177	169	16	-	-	PROPN
cjfa-45177	169	17	k	k	PROPN
cjfa-45177	169	18	ra	ra	PROPN
cjfa-45177	169	19	ay	ay	PROPN
cjfa-45177	169	20	fi	fi	NOUN
cjfa-45177	169	21	xe	xe	PROPN
cjfa-45177	169	22	def	def	PROPN
cjfa-45177	169	23	fe	fe	X
cjfa-45177	169	24	ct	ct	NUM
cjfa-45177	169	25	1	1	NUM
cjfa-45177	169	26	2	2	NUM
cjfa-45177	169	27	3	3	NUM
cjfa-45177	169	28	4	4	NUM
cjfa-45177	169	29	5	5	NUM
cjfa-45177	169	30	6	6	NUM
cjfa-45177	169	31	7	7	NUM
cjfa-45177	169	32	8	8	NUM
cjfa-45177	169	33	9	9	NUM
cjfa-45177	169	34	10	10	NUM
cjfa-45177	169	35	11	11	NUM
cjfa-45177	169	36	12	12	NUM
cjfa-45177	169	37	13	13	NUM
cjfa-45177	169	38	14	14	NUM
cjfa-45177	169	39	15	15	NUM
cjfa-45177	169	40	m	m	NOUN
cjfa-45177	169	41	ob	ob	NOUN
cjfa-45177	169	42	ile	ile	PROPN
cjfa-45177	169	43	p	p	PROPN
cjfa-45177	169	44	ho	ho	PROPN
cjfa-45177	169	45	ne	ne	PROPN
cjfa-45177	169	46	0	0	PROPN
cjfa-45177	169	47	.	.	PROPN
cjfa-45177	169	48	00	00	NUM
cjfa-45177	170	1	14	14	NUM
cjfa-45177	170	2	3	3	NUM
cjfa-45177	170	3	*	*	PUNCT
cjfa-45177	170	4	*	*	PUNCT
cjfa-45177	170	5	*	*	NOUN
cjfa-45177	170	6	0	0	NUM
cjfa-45177	170	7	.	.	NUM
cjfa-45177	170	8	00	00	NUM
cjfa-45177	171	1	13	13	NUM
cjfa-45177	171	2	7	7	NUM
cjfa-45177	171	3	*	*	PUNCT
cjfa-45177	171	4	*	*	PUNCT
cjfa-45177	171	5	*	*	NOUN
cjfa-45177	171	6	0	0	NUM
cjfa-45177	171	7	.	.	NUM
cjfa-45177	171	8	00	00	NUM
cjfa-45177	172	1	12	12	NUM
cjfa-45177	172	2	5	5	NUM
cjfa-45177	172	3	*	*	PUNCT
cjfa-45177	172	4	*	*	PUNCT
cjfa-45177	172	5	*	*	NOUN
cjfa-45177	172	6	0	0	NUM
cjfa-45177	172	7	.	.	NUM
cjfa-45177	172	8	00	00	NUM
cjfa-45177	173	1	12	12	NUM
cjfa-45177	173	2	3	3	NUM
cjfa-45177	173	3	*	*	PUNCT
cjfa-45177	173	4	*	*	PUNCT
cjfa-45177	173	5	*	*	NOUN
cjfa-45177	173	6	0	0	NUM
cjfa-45177	173	7	.	.	NUM
cjfa-45177	173	8	00	00	NUM
cjfa-45177	174	1	12	12	NUM
cjfa-45177	174	2	4	4	NUM
cjfa-45177	174	3	*	*	PUNCT
cjfa-45177	174	4	*	*	PUNCT
cjfa-45177	174	5	*	*	PUNCT
cjfa-45177	174	6	0	0	NUM
cjfa-45177	174	7	.	.	NUM
cjfa-45177	174	8	00	00	NUM
cjfa-45177	175	1	11	11	NUM
cjfa-45177	175	2	7	7	NUM
cjfa-45177	175	3	*	*	PUNCT
cjfa-45177	175	4	*	*	PUNCT
cjfa-45177	175	5	*	*	NOUN
cjfa-45177	175	6	0	0	NUM
cjfa-45177	175	7	.	.	NUM
cjfa-45177	175	8	00	00	NUM
cjfa-45177	176	1	11	11	NUM
cjfa-45177	176	2	5	5	NUM
cjfa-45177	176	3	*	*	PUNCT
cjfa-45177	176	4	*	*	PUNCT
cjfa-45177	176	5	*	*	PUNCT
cjfa-45177	176	6	0	0	NUM
cjfa-45177	176	7	.	.	NUM
cjfa-45177	176	8	00	00	NUM
cjfa-45177	177	1	10	10	NUM
cjfa-45177	177	2	3	3	NUM
cjfa-45177	177	3	*	*	PUNCT
cjfa-45177	177	4	*	*	PUNCT
cjfa-45177	177	5	*	*	PUNCT
cjfa-45177	177	6	0	0	NUM
cjfa-45177	177	7	.	.	NUM
cjfa-45177	177	8	00	00	NUM
cjfa-45177	178	1	08	08	NUM
cjfa-45177	179	1	26	26	NUM
cjfa-45177	180	1	*	*	PUNCT
cjfa-45177	180	2	*	*	PUNCT
cjfa-45177	181	1	*	*	PUNCT
cjfa-45177	181	2	0	0	NUM
cjfa-45177	181	3	.	.	NUM
cjfa-45177	181	4	00	00	NUM
cjfa-45177	182	1	09	09	NUM
cjfa-45177	182	2	44	44	NUM
cjfa-45177	183	1	*	*	PUNCT
cjfa-45177	183	2	*	*	PUNCT
cjfa-45177	184	1	*	*	PUNCT
cjfa-45177	184	2	0	0	NUM
cjfa-45177	184	3	.	.	NUM
cjfa-45177	184	4	00	00	NUM
cjfa-45177	185	1	15	15	NUM
cjfa-45177	185	2	7	7	NUM
cjfa-45177	185	3	*	*	PUNCT
cjfa-45177	185	4	*	*	PUNCT
cjfa-45177	185	5	*	*	NOUN
cjfa-45177	185	6	0	0	NUM
cjfa-45177	185	7	.	.	NUM
cjfa-45177	185	8	00	00	NUM
cjfa-45177	186	1	14	14	NUM
cjfa-45177	186	2	9	9	NUM
cjfa-45177	186	3	*	*	PUNCT
cjfa-45177	186	4	*	*	PUNCT
cjfa-45177	186	5	*	*	NOUN
cjfa-45177	186	6	0	0	NUM
cjfa-45177	186	7	.	.	NUM
cjfa-45177	186	8	00	00	NUM
cjfa-45177	187	1	14	14	NUM
cjfa-45177	187	2	2	2	NUM
cjfa-45177	187	3	*	*	PUNCT
cjfa-45177	187	4	*	*	PUNCT
cjfa-45177	187	5	*	*	NOUN
cjfa-45177	187	6	0	0	NUM
cjfa-45177	187	7	.	.	NUM
cjfa-45177	187	8	00	00	NUM
cjfa-45177	188	1	13	13	NUM
cjfa-45177	188	2	6	6	NUM
cjfa-45177	188	3	*	*	PUNCT
cjfa-45177	188	4	*	*	PUNCT
cjfa-45177	188	5	*	*	PUNCT
cjfa-45177	188	6	0	0	NUM
cjfa-45177	188	7	.	.	NUM
cjfa-45177	188	8	00	00	NUM
cjfa-45177	189	1	13	13	NUM
cjfa-45177	189	2	6	6	NUM
cjfa-45177	189	3	*	*	PUNCT
cjfa-45177	189	4	*	*	PUNCT
cjfa-45177	189	5	*	*	PUNCT
cjfa-45177	189	6	(	(	PUNCT
cjfa-45177	189	7	0	0	NUM
cjfa-45177	189	8	.0	.0	NUM
cjfa-45177	189	9	00	00	NUM
cjfa-45177	189	10	13	13	NUM
cjfa-45177	189	11	1	1	NUM
cjfa-45177	189	12	)	)	PUNCT
cjfa-45177	189	13	(	(	PUNCT
cjfa-45177	189	14	0	0	NUM
cjfa-45177	189	15	.0	.0	NUM
cjfa-45177	189	16	00	00	NUM
cjfa-45177	189	17	13	13	NUM
cjfa-45177	189	18	3	3	NUM
cjfa-45177	189	19	)	)	PUNCT
cjfa-45177	189	20	(	(	PUNCT
cjfa-45177	189	21	0	0	NUM
cjfa-45177	189	22	.0	.0	NUM
cjfa-45177	189	23	00	00	NUM
cjfa-45177	189	24	12	12	NUM
cjfa-45177	189	25	9	9	NUM
cjfa-45177	189	26	)	)	PUNCT
cjfa-45177	189	27	(	(	PUNCT
cjfa-45177	189	28	0	0	NUM
cjfa-45177	189	29	.0	.0	NUM
cjfa-45177	189	30	00	00	NUM
cjfa-45177	189	31	14	14	NUM
cjfa-45177	189	32	2	2	NUM
cjfa-45177	189	33	)	)	PUNCT
cjfa-45177	189	34	(	(	PUNCT
cjfa-45177	189	35	0	0	NUM
cjfa-45177	189	36	.0	.0	NUM
cjfa-45177	189	37	00	00	NUM
cjfa-45177	189	38	15	15	NUM
cjfa-45177	189	39	5	5	NUM
cjfa-45177	189	40	)	)	PUNCT
cjfa-45177	189	41	(	(	PUNCT
cjfa-45177	189	42	0	0	NUM
cjfa-45177	189	43	.0	.0	NUM
cjfa-45177	189	44	00	00	NUM
cjfa-45177	189	45	10	10	NUM
cjfa-45177	189	46	2	2	NUM
cjfa-45177	189	47	)	)	PUNCT
cjfa-45177	189	48	(	(	PUNCT
cjfa-45177	189	49	8	8	NUM
cjfa-45177	189	50	.7	.7	NUM
cjfa-45177	189	51	1e	1e	NOUN
cjfa-45177	189	52	-0	-0	NOUN
cjfa-45177	189	53	5	5	NUM
cjfa-45177	189	54	)	)	PUNCT
cjfa-45177	189	55	(	(	PUNCT
cjfa-45177	189	56	0	0	NUM
cjfa-45177	189	57	.0	.0	NUM
cjfa-45177	189	58	00	00	NUM
cjfa-45177	189	59	11	11	NUM
cjfa-45177	189	60	0	0	NUM
cjfa-45177	189	61	)	)	PUNCT
cjfa-45177	189	62	(	(	PUNCT
cjfa-45177	189	63	0	0	NUM
cjfa-45177	189	64	.0	.0	NUM
cjfa-45177	189	65	00	00	NUM
cjfa-45177	189	66	14	14	NUM
cjfa-45177	189	67	2	2	NUM
cjfa-45177	189	68	)	)	PUNCT
cjfa-45177	189	69	(	(	PUNCT
cjfa-45177	189	70	0	0	NUM
cjfa-45177	189	71	.0	.0	NUM
cjfa-45177	189	72	00	00	NUM
cjfa-45177	189	73	12	12	NUM
cjfa-45177	189	74	5	5	NUM
cjfa-45177	189	75	)	)	PUNCT
cjfa-45177	189	76	(	(	PUNCT
cjfa-45177	189	77	0	0	NUM
cjfa-45177	189	78	.0	.0	NUM
cjfa-45177	189	79	00	00	NUM
cjfa-45177	189	80	15	15	NUM
cjfa-45177	189	81	9	9	NUM
cjfa-45177	189	82	)	)	PUNCT
cjfa-45177	189	83	(	(	PUNCT
cjfa-45177	189	84	0	0	NUM
cjfa-45177	189	85	.0	.0	NUM
cjfa-45177	189	86	00	00	NUM
cjfa-45177	189	87	16	16	NUM
cjfa-45177	189	88	1	1	NUM
cjfa-45177	189	89	)	)	PUNCT
cjfa-45177	189	90	(	(	PUNCT
cjfa-45177	189	91	0	0	NUM
cjfa-45177	189	92	.0	.0	NUM
cjfa-45177	189	93	00	00	NUM
cjfa-45177	189	94	15	15	NUM
cjfa-45177	189	95	1	1	NUM
cjfa-45177	189	96	)	)	PUNCT
cjfa-45177	189	97	(	(	PUNCT
cjfa-45177	189	98	0	0	NUM
cjfa-45177	189	99	.0	.0	NUM
cjfa-45177	189	100	00	00	NUM
cjfa-45177	189	101	15	15	NUM
cjfa-45177	189	102	8)	8)	NUM
cjfa-45177	189	103	(	(	PUNCT
cjfa-45177	189	104	0	0	NUM
cjfa-45177	189	105	.0	.0	NUM
cjfa-45177	189	106	00	00	NUM
cjfa-45177	189	107	17	17	NUM
cjfa-45177	189	108	4	4	NUM
cjfa-45177	189	109	)	)	PUNCT
cjfa-45177	189	110	fi	fi	NOUN
cjfa-45177	189	111	xe	xe	PROPN
cjfa-45177	189	112	d	d	PROPN
cjfa-45177	189	113	ph	ph	PROPN
cjfa-45177	189	114	on	on	ADP
cjfa-45177	189	115	e	e	PROPN
cjfa-45177	189	116	0	0	NUM
cjfa-45177	189	117	.	.	PROPN
cjfa-45177	190	1	01	01	NUM
cjfa-45177	190	2	05	05	NUM
cjfa-45177	191	1	*	*	PUNCT
cjfa-45177	191	2	*	*	PUNCT
cjfa-45177	192	1	*	*	PUNCT
cjfa-45177	192	2	0	0	NUM
cjfa-45177	192	3	.	.	NUM
cjfa-45177	192	4	00	00	NUM
cjfa-45177	193	1	83	83	NUM
cjfa-45177	193	2	2	2	NUM
cjfa-45177	193	3	*	*	PUNCT
cjfa-45177	193	4	*	*	PUNCT
cjfa-45177	193	5	*	*	NOUN
cjfa-45177	193	6	0	0	NUM
cjfa-45177	193	7	.	.	NUM
cjfa-45177	193	8	00	00	NUM
cjfa-45177	194	1	91	91	NUM
cjfa-45177	195	1	3	3	NUM
cjfa-45177	195	2	*	*	PUNCT
cjfa-45177	195	3	*	*	PUNCT
cjfa-45177	195	4	*	*	NOUN
cjfa-45177	195	5	0	0	NUM
cjfa-45177	195	6	.	.	NUM
cjfa-45177	195	7	00	00	NUM
cjfa-45177	196	1	46	46	NUM
cjfa-45177	197	1	3	3	NUM
cjfa-45177	197	2	*	*	PUNCT
cjfa-45177	197	3	*	*	PUNCT
cjfa-45177	197	4	*	*	NOUN
cjfa-45177	197	5	0	0	NUM
cjfa-45177	197	6	.	.	NUM
cjfa-45177	197	7	00	00	NUM
cjfa-45177	198	1	41	41	NUM
cjfa-45177	199	1	7	7	NUM
cjfa-45177	199	2	*	*	SYM
cjfa-45177	199	3	*	*	PUNCT
cjfa-45177	199	4	0	0	NUM
cjfa-45177	199	5	.	.	NUM
cjfa-45177	199	6	01	01	NUM
cjfa-45177	200	1	16	16	NUM
cjfa-45177	201	1	*	*	PUNCT
cjfa-45177	201	2	*	*	PUNCT
cjfa-45177	202	1	*	*	PUNCT
cjfa-45177	202	2	0	0	NUM
cjfa-45177	202	3	.	.	NUM
cjfa-45177	202	4	01	01	NUM
cjfa-45177	203	1	10	10	NUM
cjfa-45177	203	2	*	*	PUNCT
cjfa-45177	204	1	*	*	PUNCT
cjfa-45177	204	2	*	*	PUNCT
cjfa-45177	205	1	0	0	NUM
cjfa-45177	205	2	.	.	NUM
cjfa-45177	205	3	01	01	NUM
cjfa-45177	206	1	10	10	NUM
cjfa-45177	206	2	*	*	PUNCT
cjfa-45177	207	1	*	*	PUNCT
cjfa-45177	207	2	*	*	PUNCT
cjfa-45177	208	1	0	0	NUM
cjfa-45177	208	2	.	.	NUM
cjfa-45177	208	3	00	00	NUM
cjfa-45177	209	1	62	62	NUM
cjfa-45177	209	2	6	6	NUM
cjfa-45177	209	3	*	*	PUNCT
cjfa-45177	209	4	*	*	PUNCT
cjfa-45177	209	5	*	*	NOUN
cjfa-45177	209	6	0	0	NUM
cjfa-45177	209	7	.	.	NUM
cjfa-45177	209	8	00	00	NUM
cjfa-45177	210	1	68	68	NUM
cjfa-45177	210	2	7	7	NUM
cjfa-45177	210	3	*	*	PUNCT
cjfa-45177	210	4	*	*	PUNCT
cjfa-45177	210	5	*	*	NOUN
cjfa-45177	210	6	0	0	NUM
cjfa-45177	210	7	.	.	NUM
cjfa-45177	210	8	00	00	NUM
cjfa-45177	211	1	94	94	NUM
cjfa-45177	211	2	9	9	NUM
cjfa-45177	211	3	*	*	PUNCT
cjfa-45177	211	4	*	*	PUNCT
cjfa-45177	211	5	*	*	NOUN
cjfa-45177	211	6	0	0	NUM
cjfa-45177	211	7	.	.	NUM
cjfa-45177	211	8	00	00	NUM
cjfa-45177	212	1	62	62	NUM
cjfa-45177	213	1	3	3	NUM
cjfa-45177	213	2	*	*	PUNCT
cjfa-45177	213	3	*	*	PUNCT
cjfa-45177	213	4	0	0	NUM
cjfa-45177	213	5	.	.	NUM
cjfa-45177	213	6	00	00	NUM
cjfa-45177	214	1	84	84	NUM
cjfa-45177	215	1	3	3	NUM
cjfa-45177	215	2	*	*	PUNCT
cjfa-45177	215	3	*	*	PUNCT
cjfa-45177	215	4	*	*	NOUN
cjfa-45177	215	5	0	0	NUM
cjfa-45177	215	6	.	.	NUM
cjfa-45177	215	7	00	00	NUM
cjfa-45177	216	1	35	35	NUM
cjfa-45177	216	2	1	1	NUM
cjfa-45177	216	3	*	*	PROPN
cjfa-45177	216	4	0	0	NUM
cjfa-45177	216	5	.	.	NOUN
cjfa-45177	216	6	00	00	NUM
cjfa-45177	217	1	29	29	NUM
cjfa-45177	217	2	0	0	NUM
cjfa-45177	217	3	(	(	PUNCT
cjfa-45177	217	4	0	0	NUM
cjfa-45177	217	5	.0	.0	NUM
cjfa-45177	217	6	01	01	NUM
cjfa-45177	217	7	86	86	NUM
cjfa-45177	217	8	)	)	PUNCT
cjfa-45177	217	9	(	(	PUNCT
cjfa-45177	217	10	0	0	NUM
cjfa-45177	217	11	.0	.0	NUM
cjfa-45177	217	12	01	01	NUM
cjfa-45177	217	13	88	88	NUM
cjfa-45177	217	14	)	)	PUNCT
cjfa-45177	217	15	(	(	PUNCT
cjfa-45177	217	16	0	0	NUM
cjfa-45177	217	17	.0	.0	NUM
cjfa-45177	217	18	01	01	NUM
cjfa-45177	217	19	93	93	NUM
cjfa-45177	217	20	)	)	PUNCT
cjfa-45177	217	21	(	(	PUNCT
cjfa-45177	217	22	0	0	NUM
cjfa-45177	217	23	.0	.0	NUM
cjfa-45177	217	24	01	01	NUM
cjfa-45177	217	25	61	61	NUM
cjfa-45177	217	26	)	)	PUNCT
cjfa-45177	217	27	(	(	PUNCT
cjfa-45177	217	28	0	0	NUM
cjfa-45177	217	29	.0	.0	NUM
cjfa-45177	217	30	01	01	NUM
cjfa-45177	217	31	76	76	NUM
cjfa-45177	217	32	)	)	PUNCT
cjfa-45177	217	33	(	(	PUNCT
cjfa-45177	217	34	0	0	NUM
cjfa-45177	217	35	.0	.0	NUM
cjfa-45177	217	36	02	02	NUM
cjfa-45177	217	37	09	09	NUM
cjfa-45177	217	38	)	)	PUNCT
cjfa-45177	217	39	(	(	PUNCT
cjfa-45177	217	40	0	0	NUM
cjfa-45177	217	41	.0	.0	NUM
cjfa-45177	217	42	02	02	NUM
cjfa-45177	217	43	25	25	NUM
cjfa-45177	217	44	)	)	PUNCT
cjfa-45177	217	45	(	(	PUNCT
cjfa-45177	217	46	0	0	NUM
cjfa-45177	217	47	.0	.0	NUM
cjfa-45177	217	48	01	01	NUM
cjfa-45177	217	49	71	71	NUM
cjfa-45177	217	50	)	)	PUNCT
cjfa-45177	217	51	(	(	PUNCT
cjfa-45177	217	52	0	0	NUM
cjfa-45177	217	53	.0	.0	NUM
cjfa-45177	217	54	01	01	NUM
cjfa-45177	217	55	35	35	NUM
cjfa-45177	217	56	)	)	PUNCT
cjfa-45177	217	57	(	(	PUNCT
cjfa-45177	217	58	0	0	NUM
cjfa-45177	217	59	.0	.0	NUM
cjfa-45177	217	60	01	01	NUM
cjfa-45177	217	61	19	19	NUM
cjfa-45177	217	62	)	)	PUNCT
cjfa-45177	217	63	(	(	PUNCT
cjfa-45177	217	64	0	0	NUM
cjfa-45177	217	65	.0	.0	NUM
cjfa-45177	217	66	02	02	NUM
cjfa-45177	217	67	41	41	NUM
cjfa-45177	217	68	)	)	PUNCT
cjfa-45177	217	69	(	(	PUNCT
cjfa-45177	217	70	0	0	NUM
cjfa-45177	217	71	.0	.0	NUM
cjfa-45177	217	72	02	02	NUM
cjfa-45177	217	73	41	41	NUM
cjfa-45177	217	74	)	)	PUNCT
cjfa-45177	217	75	(	(	PUNCT
cjfa-45177	217	76	0	0	NUM
cjfa-45177	217	77	.0	.0	NUM
cjfa-45177	217	78	02	02	NUM
cjfa-45177	217	79	47	47	NUM
cjfa-45177	217	80	)	)	PUNCT
cjfa-45177	217	81	(	(	PUNCT
cjfa-45177	217	82	0	0	NUM
cjfa-45177	217	83	.0	.0	NUM
cjfa-45177	217	84	02	02	NUM
cjfa-45177	217	85	01	01	NUM
cjfa-45177	217	86	)	)	PUNCT
cjfa-45177	217	87	(	(	PUNCT
cjfa-45177	217	88	0	0	NUM
cjfa-45177	217	89	.0	.0	NUM
cjfa-45177	217	90	03	03	NUM
cjfa-45177	217	91	08	08	NUM
cjfa-45177	217	92	)	)	PUNCT
cjfa-45177	218	1	g	g	NOUN
cjfa-45177	218	2	ro	ro	INTJ
cjfa-45177	218	3	ss	ss	NOUN
cjfa-45177	219	1	d	d	X
cjfa-45177	219	2	om	om	NOUN
cjfa-45177	219	3	es	es	PROPN
cjfa-45177	219	4	tic	tic	ADJ
cjfa-45177	220	1	pr	pr	NOUN
cjfa-45177	221	1	od	od	INTJ
cjfa-45177	221	2	uc	uc	PROPN
cjfa-45177	221	3	t	t	PROPN
cjfa-45177	221	4	-0	-0	PUNCT
cjfa-45177	221	5	.0	.0	NUM
cjfa-45177	221	6	01	01	NUM
cjfa-45177	221	7	29	29	NUM
cjfa-45177	222	1	*	*	PUNCT
cjfa-45177	222	2	*	*	PUNCT
cjfa-45177	223	1	*	*	PUNCT
cjfa-45177	223	2	-0	-0	INTJ
cjfa-45177	223	3	.0	.0	NUM
cjfa-45177	223	4	00	00	NUM
cjfa-45177	223	5	24	24	NUM
cjfa-45177	223	6	5	5	NUM
cjfa-45177	223	7	0	0	NUM
cjfa-45177	223	8	.	.	PUNCT
cjfa-45177	223	9	00	00	NUM
cjfa-45177	224	1	06	06	NUM
cjfa-45177	225	1	54	54	NUM
cjfa-45177	225	2	0	0	NUM
cjfa-45177	225	3	.	.	PUNCT
cjfa-45177	225	4	00	00	NUM
cjfa-45177	226	1	09	09	NUM
cjfa-45177	226	2	72	72	NUM
cjfa-45177	226	3	0	0	NUM
cjfa-45177	226	4	.	.	PUNCT
cjfa-45177	226	5	00	00	NUM
cjfa-45177	227	1	05	05	NUM
cjfa-45177	228	1	64	64	NUM
cjfa-45177	228	2	0	0	NUM
cjfa-45177	228	3	.	.	PUNCT
cjfa-45177	228	4	00	00	NUM
cjfa-45177	229	1	09	09	NUM
cjfa-45177	229	2	42	42	NUM
cjfa-45177	229	3	0	0	NUM
cjfa-45177	229	4	.	.	PUNCT
cjfa-45177	229	5	00	00	NUM
cjfa-45177	230	1	17	17	NUM
cjfa-45177	230	2	0	0	NUM
cjfa-45177	230	3	*	*	PUNCT
cjfa-45177	230	4	-0	-0	NOUN
cjfa-45177	230	5	.0	.0	NUM
cjfa-45177	231	1	01	01	NUM
cjfa-45177	231	2	28	28	NUM
cjfa-45177	232	1	*	*	PUNCT
cjfa-45177	232	2	*	*	PUNCT
cjfa-45177	232	3	*	*	PUNCT
cjfa-45177	232	4	-0	-0	INTJ
cjfa-45177	232	5	.0	.0	NUM
cjfa-45177	232	6	00	00	NUM
cjfa-45177	232	7	17	17	NUM
cjfa-45177	232	8	0	0	NUM
cjfa-45177	232	9	0	0	NUM
cjfa-45177	232	10	.	.	PUNCT
cjfa-45177	232	11	00	00	NUM
cjfa-45177	233	1	08	08	NUM
cjfa-45177	233	2	21	21	NUM
cjfa-45177	233	3	0	0	NUM
cjfa-45177	233	4	.	.	PUNCT
cjfa-45177	233	5	00	00	NUM
cjfa-45177	234	1	11	11	NUM
cjfa-45177	234	2	3	3	NUM
cjfa-45177	234	3	*	*	SYM
cjfa-45177	234	4	(	(	PUNCT
cjfa-45177	234	5	0	0	NUM
cjfa-45177	234	6	.0	.0	NUM
cjfa-45177	234	7	00	00	NUM
cjfa-45177	234	8	48	48	NUM
cjfa-45177	234	9	0	0	NUM
cjfa-45177	234	10	)	)	PUNCT
cjfa-45177	234	11	(	(	PUNCT
cjfa-45177	234	12	0	0	NUM
cjfa-45177	234	13	.0	.0	NUM
cjfa-45177	234	14	00	00	NUM
cjfa-45177	234	15	48	48	NUM
cjfa-45177	234	16	2	2	NUM
cjfa-45177	234	17	)	)	PUNCT
cjfa-45177	234	18	(	(	PUNCT
cjfa-45177	234	19	0	0	NUM
cjfa-45177	234	20	.0	.0	NUM
cjfa-45177	234	21	00	00	NUM
cjfa-45177	234	22	54	54	NUM
cjfa-45177	234	23	3	3	NUM
cjfa-45177	234	24	)	)	PUNCT
cjfa-45177	234	25	(	(	PUNCT
cjfa-45177	234	26	0	0	NUM
cjfa-45177	234	27	.0	.0	NUM
cjfa-45177	234	28	00	00	NUM
cjfa-45177	234	29	59	59	NUM
cjfa-45177	234	30	7	7	NUM
cjfa-45177	234	31	)	)	PUNCT
cjfa-45177	234	32	(	(	PUNCT
cjfa-45177	234	33	0	0	NUM
cjfa-45177	234	34	.0	.0	NUM
cjfa-45177	234	35	00	00	NUM
cjfa-45177	234	36	95	95	NUM
cjfa-45177	234	37	0	0	NUM
cjfa-45177	234	38	)	)	PUNCT
cjfa-45177	234	39	(	(	PUNCT
cjfa-45177	234	40	0	0	NUM
cjfa-45177	234	41	.0	.0	NUM
cjfa-45177	234	42	00	00	NUM
cjfa-45177	234	43	44	44	NUM
cjfa-45177	234	44	1	1	NUM
cjfa-45177	234	45	)	)	PUNCT
cjfa-45177	234	46	(	(	PUNCT
cjfa-45177	234	47	0	0	NUM
cjfa-45177	234	48	.0	.0	NUM
cjfa-45177	234	49	00	00	NUM
cjfa-45177	234	50	69	69	NUM
cjfa-45177	234	51	7	7	NUM
cjfa-45177	234	52	)	)	PUNCT
cjfa-45177	234	53	(	(	PUNCT
cjfa-45177	234	54	0	0	NUM
cjfa-45177	234	55	.0	.0	NUM
cjfa-45177	234	56	00	00	NUM
cjfa-45177	234	57	82	82	NUM
cjfa-45177	234	58	0	0	NUM
cjfa-45177	234	59	)	)	PUNCT
cjfa-45177	234	60	(	(	PUNCT
cjfa-45177	234	61	0	0	NUM
cjfa-45177	234	62	.0	.0	NUM
cjfa-45177	234	63	00	00	NUM
cjfa-45177	234	64	48	48	NUM
cjfa-45177	234	65	6	6	NUM
cjfa-45177	234	66	)	)	PUNCT
cjfa-45177	234	67	(	(	PUNCT
cjfa-45177	234	68	0	0	NUM
cjfa-45177	234	69	.0	.0	NUM
cjfa-45177	234	70	00	00	NUM
cjfa-45177	234	71	48	48	NUM
cjfa-45177	234	72	1	1	NUM
cjfa-45177	234	73	)	)	PUNCT
cjfa-45177	234	74	(	(	PUNCT
cjfa-45177	234	75	0	0	NUM
cjfa-45177	234	76	.0	.0	NUM
cjfa-45177	234	77	00	00	NUM
cjfa-45177	234	78	55	55	NUM
cjfa-45177	234	79	5	5	NUM
cjfa-45177	234	80	)	)	PUNCT
cjfa-45177	234	81	(	(	PUNCT
cjfa-45177	234	82	0	0	NUM
cjfa-45177	234	83	.0	.0	NUM
cjfa-45177	234	84	00	00	NUM
cjfa-45177	234	85	61	61	NUM
cjfa-45177	234	86	4	4	NUM
cjfa-45177	234	87	)	)	PUNCT
cjfa-45177	234	88	em	em	PRON
cjfa-45177	234	89	pl	pl	X
cjfa-45177	234	90	oy	oy	PROPN
cjfa-45177	234	91	ab	ab	PROPN
cjfa-45177	234	92	ili	ili	PROPN
cjfa-45177	234	93	ty	ty	INTJ
cjfa-45177	234	94	le	le	X
cjfa-45177	234	95	ve	ve	VERB
cjfa-45177	234	96	l	l	NOUN
cjfa-45177	234	97	0	0	NUM
cjfa-45177	234	98	.	.	PUNCT
cjfa-45177	235	1	01	01	NUM
cjfa-45177	235	2	28	28	NUM
cjfa-45177	236	1	*	*	PUNCT
cjfa-45177	236	2	*	*	PUNCT
cjfa-45177	237	1	*	*	PUNCT
cjfa-45177	237	2	0	0	NUM
cjfa-45177	237	3	.	.	NUM
cjfa-45177	237	4	00	00	NUM
cjfa-45177	238	1	28	28	NUM
cjfa-45177	238	2	0	0	NUM
cjfa-45177	238	3	0	0	NUM
cjfa-45177	238	4	.	.	PUNCT
cjfa-45177	238	5	00	00	NUM
cjfa-45177	239	1	28	28	NUM
cjfa-45177	239	2	1	1	NUM
cjfa-45177	239	3	0	0	NUM
cjfa-45177	239	4	.	.	PUNCT
cjfa-45177	239	5	00	00	NUM
cjfa-45177	240	1	60	60	NUM
cjfa-45177	240	2	6	6	NUM
cjfa-45177	240	3	*	*	PUNCT
cjfa-45177	240	4	*	*	PUNCT
cjfa-45177	240	5	*	*	PUNCT
cjfa-45177	240	6	-0	-0	INTJ
cjfa-45177	240	7	.0	.0	NUM
cjfa-45177	240	8	02	02	NUM
cjfa-45177	240	9	15	15	NUM
cjfa-45177	240	10	-0	-0	SYM
cjfa-45177	240	11	.0	.0	NUM
cjfa-45177	240	12	01	01	NUM
cjfa-45177	240	13	65	65	NUM
cjfa-45177	240	14	0	0	NUM
cjfa-45177	240	15	.	.	PUNCT
cjfa-45177	241	1	02	02	NUM
cjfa-45177	241	2	73	73	NUM
cjfa-45177	242	1	*	*	PUNCT
cjfa-45177	242	2	*	*	PUNCT
cjfa-45177	243	1	*	*	PUNCT
cjfa-45177	243	2	0	0	NUM
cjfa-45177	243	3	.	.	NUM
cjfa-45177	243	4	00	00	NUM
cjfa-45177	244	1	41	41	NUM
cjfa-45177	244	2	9	9	NUM
cjfa-45177	244	3	0	0	NUM
cjfa-45177	244	4	.	.	PUNCT
cjfa-45177	244	5	00	00	NUM
cjfa-45177	245	1	49	49	NUM
cjfa-45177	245	2	4	4	NUM
cjfa-45177	245	3	(	(	PUNCT
cjfa-45177	245	4	0	0	NUM
cjfa-45177	245	5	.0	.0	NUM
cjfa-45177	245	6	03	03	NUM
cjfa-45177	245	7	97	97	NUM
cjfa-45177	245	8	)	)	PUNCT
cjfa-45177	245	9	(	(	PUNCT
cjfa-45177	245	10	0	0	NUM
cjfa-45177	245	11	.0	.0	NUM
cjfa-45177	245	12	04	04	NUM
cjfa-45177	245	13	51	51	NUM
cjfa-45177	245	14	)	)	PUNCT
cjfa-45177	245	15	(	(	PUNCT
cjfa-45177	245	16	0	0	NUM
cjfa-45177	245	17	.0	.0	NUM
cjfa-45177	245	18	04	04	NUM
cjfa-45177	245	19	93	93	NUM
cjfa-45177	245	20	)	)	PUNCT
cjfa-45177	245	21	(	(	PUNCT
cjfa-45177	245	22	0	0	NUM
cjfa-45177	245	23	.0	.0	NUM
cjfa-45177	245	24	01	01	NUM
cjfa-45177	245	25	10	10	NUM
cjfa-45177	245	26	)	)	PUNCT
cjfa-45177	245	27	(	(	PUNCT
cjfa-45177	245	28	0	0	NUM
cjfa-45177	245	29	.0	.0	NUM
cjfa-45177	245	30	01	01	NUM
cjfa-45177	245	31	85	85	NUM
cjfa-45177	245	32	)	)	PUNCT
cjfa-45177	245	33	(	(	PUNCT
cjfa-45177	245	34	0	0	NUM
cjfa-45177	245	35	.0	.0	NUM
cjfa-45177	245	36	01	01	NUM
cjfa-45177	245	37	33	33	NUM
cjfa-45177	245	38	)	)	PUNCT
cjfa-45177	245	39	(	(	PUNCT
cjfa-45177	245	40	0	0	NUM
cjfa-45177	245	41	.0	.0	NUM
cjfa-45177	245	42	06	06	NUM
cjfa-45177	245	43	15	15	NUM
cjfa-45177	245	44	)	)	PUNCT
cjfa-45177	245	45	(	(	PUNCT
cjfa-45177	245	46	0	0	NUM
cjfa-45177	245	47	.0	.0	NUM
cjfa-45177	245	48	08	08	NUM
cjfa-45177	245	49	01	01	NUM
cjfa-45177	245	50	)	)	PUNCT
cjfa-45177	245	51	(	(	PUNCT
cjfa-45177	245	52	0	0	NUM
cjfa-45177	245	53	.0	.0	NUM
cjfa-45177	245	54	10	10	NUM
cjfa-45177	245	55	1	1	NUM
cjfa-45177	245	56	)	)	PUNCT
cjfa-45177	245	57	le	le	X
cjfa-45177	245	58	ve	ve	VERB
cjfa-45177	245	59	l	l	NOUN
cjfa-45177	245	60	o	o	X
cjfa-45177	245	61	f	f	X
cjfa-45177	245	62	e	e	X
cjfa-45177	245	63	du	du	PROPN
cjfa-45177	245	64	ca	can	AUX
cjfa-45177	245	65	tio	tio	VERB
cjfa-45177	245	66	n	n	PROPN
cjfa-45177	245	67	0	0	NUM
cjfa-45177	245	68	.	.	PUNCT
cjfa-45177	245	69	00	00	NUM
cjfa-45177	246	1	05	05	NUM
cjfa-45177	247	1	14	14	NUM
cjfa-45177	247	2	0	0	NUM
cjfa-45177	247	3	.	.	PUNCT
cjfa-45177	247	4	00	00	NUM
cjfa-45177	248	1	06	06	NUM
cjfa-45177	249	1	55	55	NUM
cjfa-45177	249	2	0	0	NUM
cjfa-45177	249	3	.	.	PUNCT
cjfa-45177	249	4	00	00	NUM
cjfa-45177	250	1	14	14	NUM
cjfa-45177	250	2	0	0	NUM
cjfa-45177	250	3	*	*	PUNCT
cjfa-45177	251	1	*	*	PUNCT
cjfa-45177	251	2	*	*	PUNCT
cjfa-45177	251	3	0	0	NUM
cjfa-45177	251	4	.	.	NUM
cjfa-45177	251	5	00	00	NUM
cjfa-45177	252	1	13	13	NUM
cjfa-45177	252	2	7	7	NUM
cjfa-45177	252	3	*	*	PUNCT
cjfa-45177	252	4	*	*	PUNCT
cjfa-45177	252	5	*	*	NOUN
cjfa-45177	252	6	0	0	NUM
cjfa-45177	252	7	.	.	NUM
cjfa-45177	252	8	00	00	NUM
cjfa-45177	253	1	03	03	NUM
cjfa-45177	253	2	21	21	NUM
cjfa-45177	253	3	0	0	NUM
cjfa-45177	253	4	.	.	PUNCT
cjfa-45177	253	5	00	00	NUM
cjfa-45177	254	1	04	04	NUM
cjfa-45177	254	2	55	55	NUM
cjfa-45177	254	3	(	(	PUNCT
cjfa-45177	254	4	0	0	NUM
cjfa-45177	254	5	.0	.0	NUM
cjfa-45177	254	6	00	00	NUM
cjfa-45177	254	7	37	37	NUM
cjfa-45177	254	8	5	5	NUM
cjfa-45177	254	9	)	)	PUNCT
cjfa-45177	254	10	(	(	PUNCT
cjfa-45177	254	11	0	0	NUM
cjfa-45177	254	12	.0	.0	NUM
cjfa-45177	254	13	00	00	NUM
cjfa-45177	254	14	40	40	NUM
cjfa-45177	254	15	3	3	NUM
cjfa-45177	254	16	)	)	PUNCT
cjfa-45177	254	17	(	(	PUNCT
cjfa-45177	254	18	0	0	NUM
cjfa-45177	254	19	.0	.0	NUM
cjfa-45177	254	20	00	00	NUM
cjfa-45177	254	21	12	12	NUM
cjfa-45177	254	22	9	9	NUM
cjfa-45177	254	23	)	)	PUNCT
cjfa-45177	254	24	(	(	PUNCT
cjfa-45177	254	25	0	0	NUM
cjfa-45177	254	26	.0	.0	NUM
cjfa-45177	254	27	00	00	NUM
cjfa-45177	254	28	10	10	NUM
cjfa-45177	254	29	1	1	NUM
cjfa-45177	254	30	)	)	PUNCT
cjfa-45177	254	31	(	(	PUNCT
cjfa-45177	254	32	0	0	NUM
cjfa-45177	254	33	.0	.0	NUM
cjfa-45177	254	34	00	00	NUM
cjfa-45177	254	35	50	50	NUM
cjfa-45177	254	36	1	1	NUM
cjfa-45177	254	37	)	)	PUNCT
cjfa-45177	254	38	(	(	PUNCT
cjfa-45177	254	39	0	0	NUM
cjfa-45177	254	40	.0	.0	NUM
cjfa-45177	254	41	00	00	NUM
cjfa-45177	254	42	53	53	NUM
cjfa-45177	254	43	1	1	NUM
cjfa-45177	254	44	)	)	PUNCT
cjfa-45177	254	45	fu	fu	NOUN
cjfa-45177	255	1	nd	nd	NOUN
cjfa-45177	255	2	s	s	PROPN
cjfa-45177	255	3	t	t	PROPN
cjfa-45177	255	4	ra	ra	PROPN
cjfa-45177	255	5	ns	ns	NUM
cjfa-45177	255	6	fe	fe	X
cjfa-45177	255	7	r	r	NOUN
cjfa-45177	255	8	-0	-0	NOUN
cjfa-45177	255	9	.0	.0	NUM
cjfa-45177	255	10	00	00	NUM
cjfa-45177	255	11	29	29	NUM
cjfa-45177	255	12	1	1	NUM
cjfa-45177	255	13	-0	-0	SYM
cjfa-45177	255	14	.0	.0	NUM
cjfa-45177	255	15	02	02	NUM
cjfa-45177	255	16	90	90	NUM
cjfa-45177	255	17	-0	-0	SYM
cjfa-45177	255	18	.0	.0	NUM
cjfa-45177	255	19	00	00	NUM
cjfa-45177	255	20	31	31	NUM
cjfa-45177	255	21	3	3	NUM
cjfa-45177	255	22	(	(	PUNCT
cjfa-45177	255	23	0	0	NUM
cjfa-45177	255	24	.0	.0	NUM
cjfa-45177	255	25	02	02	NUM
cjfa-45177	255	26	26	26	NUM
cjfa-45177	255	27	)	)	PUNCT
cjfa-45177	255	28	(	(	PUNCT
cjfa-45177	255	29	0	0	NUM
cjfa-45177	255	30	.0	.0	NUM
cjfa-45177	255	31	03	03	NUM
cjfa-45177	255	32	66	66	NUM
cjfa-45177	255	33	)	)	PUNCT
cjfa-45177	255	34	(	(	PUNCT
cjfa-45177	255	35	0	0	NUM
cjfa-45177	255	36	.0	.0	NUM
cjfa-45177	255	37	02	02	NUM
cjfa-45177	255	38	62	62	NUM
cjfa-45177	255	39	)	)	PUNCT
cjfa-45177	255	40	co	co	VERB
cjfa-45177	255	41	ns	ns	VERB
cjfa-45177	255	42	ta	ta	PROPN
cjfa-45177	255	43	nt	not	PART
cjfa-45177	255	44	-0	-0	PROPN
cjfa-45177	255	45	.1	.1	NUM
cjfa-45177	255	46	17	17	NUM
cjfa-45177	255	47	*	*	PUNCT
cjfa-45177	255	48	*	*	PUNCT
cjfa-45177	255	49	*	*	PUNCT
cjfa-45177	255	50	-0	-0	PUNCT
cjfa-45177	255	51	.1	.1	NUM
cjfa-45177	256	1	07	07	NUM
cjfa-45177	257	1	*	*	PUNCT
cjfa-45177	257	2	*	*	PUNCT
cjfa-45177	257	3	*	*	PUNCT
cjfa-45177	257	4	-0	-0	PUNCT
cjfa-45177	257	5	.1	.1	NUM
cjfa-45177	257	6	31	31	NUM
cjfa-45177	258	1	*	*	PUNCT
cjfa-45177	258	2	*	*	PUNCT
cjfa-45177	258	3	*	*	PUNCT
cjfa-45177	258	4	-0	-0	PUNCT
cjfa-45177	258	5	.1	.1	NUM
cjfa-45177	259	1	47	47	NUM
cjfa-45177	260	1	*	*	PUNCT
cjfa-45177	260	2	*	*	PUNCT
cjfa-45177	260	3	*	*	PUNCT
cjfa-45177	260	4	-0	-0	PUNCT
cjfa-45177	260	5	.1	.1	NUM
cjfa-45177	261	1	53	53	NUM
cjfa-45177	262	1	*	*	PUNCT
cjfa-45177	262	2	*	*	PUNCT
cjfa-45177	262	3	*	*	PUNCT
cjfa-45177	262	4	-0	-0	INTJ
cjfa-45177	262	5	.0	.0	NUM
cjfa-45177	262	6	95	95	NUM
cjfa-45177	263	1	3	3	NUM
cjfa-45177	263	2	*	*	PUNCT
cjfa-45177	263	3	*	*	PUNCT
cjfa-45177	263	4	*	*	PUNCT
cjfa-45177	263	5	-0	-0	INTJ
cjfa-45177	263	6	.0	.0	NUM
cjfa-45177	263	7	91	91	NUM
cjfa-45177	264	1	3	3	NUM
cjfa-45177	264	2	*	*	PUNCT
cjfa-45177	264	3	*	*	PUNCT
cjfa-45177	264	4	*	*	PUNCT
cjfa-45177	264	5	-0	-0	PUNCT
cjfa-45177	264	6	.1	.1	NUM
cjfa-45177	264	7	03	03	NUM
cjfa-45177	265	1	*	*	PUNCT
cjfa-45177	265	2	*	*	PUNCT
cjfa-45177	265	3	*	*	PUNCT
cjfa-45177	265	4	-0	-0	PUNCT
cjfa-45177	265	5	.1	.1	NUM
cjfa-45177	265	6	46	46	NUM
cjfa-45177	266	1	*	*	PUNCT
cjfa-45177	266	2	*	*	PUNCT
cjfa-45177	266	3	*	*	PUNCT
cjfa-45177	266	4	-0	-0	PUNCT
cjfa-45177	266	5	.1	.1	NUM
cjfa-45177	266	6	03	03	NUM
cjfa-45177	267	1	-0	-0	SYM
cjfa-45177	267	2	.1	.1	NUM
cjfa-45177	267	3	28	28	NUM
cjfa-45177	268	1	*	*	PUNCT
cjfa-45177	268	2	*	*	PUNCT
cjfa-45177	268	3	*	*	PUNCT
cjfa-45177	268	4	-0	-0	PUNCT
cjfa-45177	268	5	.1	.1	NUM
cjfa-45177	268	6	17	17	NUM
cjfa-45177	269	1	*	*	PUNCT
cjfa-45177	269	2	*	*	PUNCT
cjfa-45177	269	3	*	*	PUNCT
cjfa-45177	269	4	-0	-0	PUNCT
cjfa-45177	269	5	.1	.1	NUM
cjfa-45177	269	6	74	74	NUM
cjfa-45177	270	1	*	*	PUNCT
cjfa-45177	270	2	*	*	PUNCT
cjfa-45177	270	3	*	*	PUNCT
cjfa-45177	270	4	-0	-0	PUNCT
cjfa-45177	270	5	.1	.1	NUM
cjfa-45177	270	6	49	49	NUM
cjfa-45177	271	1	*	*	PUNCT
cjfa-45177	271	2	*	*	PUNCT
cjfa-45177	271	3	*	*	PUNCT
cjfa-45177	271	4	-0	-0	PUNCT
cjfa-45177	271	5	.1	.1	NUM
cjfa-45177	272	1	53	53	NUM
cjfa-45177	272	2	*	*	PUNCT
cjfa-45177	272	3	*	*	PUNCT
cjfa-45177	272	4	*	*	PUNCT
cjfa-45177	272	5	(	(	PUNCT
cjfa-45177	272	6	0	0	NUM
cjfa-45177	272	7	.0	.0	NUM
cjfa-45177	272	8	13	13	NUM
cjfa-45177	272	9	1	1	NUM
cjfa-45177	272	10	)	)	PUNCT
cjfa-45177	272	11	(	(	PUNCT
cjfa-45177	272	12	0	0	NUM
cjfa-45177	272	13	.0	.0	NUM
cjfa-45177	272	14	13	13	NUM
cjfa-45177	272	15	6	6	NUM
cjfa-45177	272	16	)	)	PUNCT
cjfa-45177	272	17	(	(	PUNCT
cjfa-45177	272	18	0	0	NUM
cjfa-45177	272	19	.0	.0	NUM
cjfa-45177	272	20	14	14	NUM
cjfa-45177	272	21	6	6	NUM
cjfa-45177	272	22	)	)	PUNCT
cjfa-45177	272	23	(	(	PUNCT
cjfa-45177	272	24	0	0	NUM
cjfa-45177	272	25	.0	.0	NUM
cjfa-45177	272	26	15	15	NUM
cjfa-45177	272	27	7	7	NUM
cjfa-45177	272	28	)	)	PUNCT
cjfa-45177	272	29	(	(	PUNCT
cjfa-45177	272	30	0	0	NUM
cjfa-45177	272	31	.0	.0	NUM
cjfa-45177	272	32	44	44	NUM
cjfa-45177	272	33	8)	8)	NUM
cjfa-45177	272	34	(	(	PUNCT
cjfa-45177	272	35	0	0	NUM
cjfa-45177	272	36	.0	.0	NUM
cjfa-45177	272	37	06	06	NUM
cjfa-45177	272	38	78	78	NUM
cjfa-45177	272	39	)	)	PUNCT
cjfa-45177	272	40	(	(	PUNCT
cjfa-45177	272	41	0	0	NUM
cjfa-45177	272	42	.0	.0	NUM
cjfa-45177	272	43	07	07	NUM
cjfa-45177	272	44	75	75	NUM
cjfa-45177	272	45	)	)	PUNCT
cjfa-45177	272	46	(	(	PUNCT
cjfa-45177	272	47	0	0	NUM
cjfa-45177	272	48	.0	.0	NUM
cjfa-45177	272	49	04	04	NUM
cjfa-45177	272	50	81	81	NUM
cjfa-45177	272	51	)	)	PUNCT
cjfa-45177	272	52	(	(	PUNCT
cjfa-45177	272	53	0	0	NUM
cjfa-45177	272	54	.0	.0	NUM
cjfa-45177	272	55	07	07	NUM
cjfa-45177	272	56	10	10	NUM
cjfa-45177	272	57	)	)	PUNCT
cjfa-45177	272	58	(	(	PUNCT
cjfa-45177	272	59	0	0	NUM
cjfa-45177	272	60	.0	.0	NUM
cjfa-45177	272	61	63	63	NUM
cjfa-45177	272	62	0	0	NUM
cjfa-45177	272	63	)	)	PUNCT
cjfa-45177	272	64	(	(	PUNCT
cjfa-45177	272	65	0	0	NUM
cjfa-45177	272	66	.0	.0	NUM
cjfa-45177	272	67	13	13	NUM
cjfa-45177	272	68	1	1	NUM
cjfa-45177	272	69	)	)	PUNCT
cjfa-45177	272	70	(	(	PUNCT
cjfa-45177	272	71	0	0	NUM
cjfa-45177	272	72	.0	.0	NUM
cjfa-45177	272	73	13	13	NUM
cjfa-45177	272	74	7	7	NUM
cjfa-45177	272	75	)	)	PUNCT
cjfa-45177	272	76	(	(	PUNCT
cjfa-45177	272	77	0	0	NUM
cjfa-45177	272	78	.0	.0	NUM
cjfa-45177	272	79	17	17	NUM
cjfa-45177	272	80	7	7	NUM
cjfa-45177	272	81	)	)	PUNCT
cjfa-45177	272	82	(	(	PUNCT
cjfa-45177	272	83	0	0	NUM
cjfa-45177	272	84	.0	.0	NUM
cjfa-45177	272	85	22	22	NUM
cjfa-45177	272	86	7	7	NUM
cjfa-45177	272	87	)	)	PUNCT
cjfa-45177	272	88	(	(	PUNCT
cjfa-45177	272	89	0	0	NUM
cjfa-45177	272	90	.0	.0	NUM
cjfa-45177	272	91	52	52	NUM
cjfa-45177	272	92	0	0	NUM
cjfa-45177	272	93	)	)	PUNCT
cjfa-45177	273	1	o	o	NOUN
cjfa-45177	273	2	bs	bs	INTJ
cjfa-45177	273	3	er	er	INTJ
cjfa-45177	273	4	va	va	NOUN
cjfa-45177	273	5	tio	tio	PROPN
cjfa-45177	273	6	ns	ns	NUM
cjfa-45177	274	1	33	33	NUM
cjfa-45177	274	2	5	5	NUM
cjfa-45177	274	3	33	33	NUM
cjfa-45177	274	4	5	5	NUM
cjfa-45177	274	5	30	30	NUM
cjfa-45177	274	6	7	7	NUM
cjfa-45177	274	7	18	18	NUM
cjfa-45177	274	8	1	1	NUM
cjfa-45177	274	9	16	16	NUM
cjfa-45177	274	10	2	2	NUM
cjfa-45177	274	11	33	33	NUM
cjfa-45177	274	12	5	5	NUM
cjfa-45177	274	13	33	33	NUM
cjfa-45177	274	14	5	5	NUM
cjfa-45177	274	15	30	30	NUM
cjfa-45177	274	16	7	7	NUM
cjfa-45177	274	17	18	18	NUM
cjfa-45177	274	18	1	1	NUM
cjfa-45177	274	19	16	16	NUM
cjfa-45177	274	20	2	2	NUM
cjfa-45177	274	21	33	33	NUM
cjfa-45177	274	22	5	5	NUM
cjfa-45177	274	23	33	33	NUM
cjfa-45177	274	24	5	5	NUM
cjfa-45177	274	25	30	30	NUM
cjfa-45177	274	26	7	7	NUM
cjfa-45177	274	27	18	18	NUM
cjfa-45177	274	28	1	1	NUM
cjfa-45177	274	29	16	16	NUM
cjfa-45177	274	30	2	2	NUM
cjfa-45177	274	31	rsq	rsq	VERB
cjfa-45177	274	32	ua	ua	PROPN
cjfa-45177	274	33	re	re	PROPN
cjfa-45177	274	34	d	d	PROPN
cjfa-45177	274	35	0	0	PROPN
cjfa-45177	274	36	.	.	PROPN
cjfa-45177	274	37	35	35	NUM
cjfa-45177	274	38	3	3	NUM
cjfa-45177	274	39	0	0	NUM
cjfa-45177	274	40	.	.	NOUN
cjfa-45177	274	41	35	35	NUM
cjfa-45177	274	42	6	6	NUM
cjfa-45177	274	43	0	0	NUM
cjfa-45177	274	44	.	.	PUNCT
cjfa-45177	274	45	37	37	NUM
cjfa-45177	274	46	1	1	NUM
cjfa-45177	274	47	0	0	NUM
cjfa-45177	274	48	.	.	PUNCT
cjfa-45177	275	1	62	62	NUM
cjfa-45177	275	2	1	1	NUM
cjfa-45177	275	3	0	0	NUM
cjfa-45177	275	4	.	.	PUNCT
cjfa-45177	276	1	62	62	NUM
cjfa-45177	276	2	6	6	NUM
cjfa-45177	276	3	0	0	NUM
cjfa-45177	276	4	.	.	NOUN
cjfa-45177	277	1	24	24	NUM
cjfa-45177	277	2	7	7	NUM
cjfa-45177	277	3	0	0	NUM
cjfa-45177	277	4	.	.	PUNCT
cjfa-45177	278	1	26	26	NUM
cjfa-45177	278	2	4	4	NUM
cjfa-45177	278	3	0	0	NUM
cjfa-45177	278	4	.	.	NOUN
cjfa-45177	278	5	29	29	NUM
cjfa-45177	278	6	6	6	NUM
cjfa-45177	278	7	0	0	NUM
cjfa-45177	278	8	.	.	PUNCT
cjfa-45177	279	1	42	42	NUM
cjfa-45177	279	2	1	1	NUM
cjfa-45177	279	3	0	0	NUM
cjfa-45177	279	4	.	.	X
cjfa-45177	279	5	43	43	NUM
cjfa-45177	279	6	5	5	NUM
cjfa-45177	279	7	n	n	PRON
cjfa-45177	279	8	um	um	INTJ
cjfa-45177	279	9	be	be	AUX
cjfa-45177	279	10	r	r	NOUN
cjfa-45177	280	1	o	o	NOUN
cjfa-45177	281	1	f	f	X
cjfa-45177	282	1	i	i	NOUN
cjfa-45177	282	2	d	d	PROPN
cjfa-45177	282	3	35	35	NUM
cjfa-45177	282	4	35	35	NUM
cjfa-45177	282	5	35	35	NUM
cjfa-45177	282	6	29	29	NUM
cjfa-45177	282	7	27	27	NUM
cjfa-45177	282	8	35	35	NUM
cjfa-45177	282	9	35	35	NUM
cjfa-45177	282	10	35	35	NUM
cjfa-45177	282	11	29	29	NUM
cjfa-45177	282	12	27	27	NUM
cjfa-45177	282	13	st	st	NOUN
cjfa-45177	282	14	an	an	DET
cjfa-45177	282	15	da	da	PROPN
cjfa-45177	282	16	rd	rd	PROPN
cjfa-45177	282	17	e	e	PROPN
cjfa-45177	282	18	rr	rr	PROPN
cjfa-45177	282	19	or	or	CCONJ
cjfa-45177	282	20	s	s	VERB
cjfa-45177	282	21	i	i	PRON
cjfa-45177	282	22	n	n	PROPN
cjfa-45177	282	23	pa	pa	PROPN
cjfa-45177	282	24	re	re	VERB
cjfa-45177	282	25	nt	not	PART
cjfa-45177	282	26	he	he	PRON
cjfa-45177	282	27	se	se	PROPN
cjfa-45177	282	28	s	s	VERB
cjfa-45177	283	1	*	*	PUNCT
cjfa-45177	283	2	*	*	PUNCT
cjfa-45177	283	3	*	*	PUNCT
cjfa-45177	283	4	,	,	PUNCT
cjfa-45177	283	5	si	si	PROPN
cjfa-45177	283	6	gn	gn	PROPN
cjfa-45177	283	7	ifi	ifi	PROPN
cjfa-45177	283	8	ca	ca	PROPN
cjfa-45177	283	9	nc	nc	PROPN
cjfa-45177	283	10	e	e	PROPN
cjfa-45177	283	11	1	1	NUM
cjfa-45177	283	12	%	%	NOUN
cjfa-45177	283	13	;	;	PUNCT
cjfa-45177	283	14	*	*	PUNCT
cjfa-45177	283	15	*	*	PUNCT
cjfa-45177	283	16	,	,	PUNCT
cjfa-45177	283	17	s	s	VERB
cjfa-45177	283	18	ig	ig	PROPN
cjfa-45177	283	19	ni	ni	PROPN
cjfa-45177	283	20	fic	fic	PROPN
cjfa-45177	283	21	an	an	PROPN
cjfa-45177	283	22	ce	ce	PROPN
cjfa-45177	283	23	5	5	NUM
cjfa-45177	283	24	%	%	NOUN
cjfa-45177	283	25	;	;	PUNCT
cjfa-45177	283	26	*	*	X
cjfa-45177	283	27	,	,	PUNCT
cjfa-45177	283	28	si	si	PROPN
cjfa-45177	283	29	gn	gn	PROPN
cjfa-45177	283	30	ifi	ifi	PROPN
cjfa-45177	283	31	ca	ca	PROPN
cjfa-45177	283	32	nc	nc	PROPN
cjfa-45177	283	33	e	e	PROPN
cjfa-45177	283	34	10	10	NUM
cjfa-45177	283	35	%	%	NOUN
cjfa-45177	283	36	.	.	PUNCT
cjfa-45177	284	1	s	s	PART
cjfa-45177	284	2	o	o	X
cjfa-45177	284	3	u	u	X
cjfa-45177	284	4	rc	rc	PROPN
cjfa-45177	284	5	e	e	PROPN
cjfa-45177	284	6	:	:	PUNCT
cjfa-45177	285	1	t	t	PROPN
cjfa-45177	285	2	ab	ab	PROPN
cjfa-45177	285	3	le	le	PROPN
cjfa-45177	286	1	d	d	X
cjfa-45177	286	2	ra	ra	PROPN
cjfa-45177	286	3	w	w	PROPN
cjfa-45177	286	4	n	n	PROPN
cjfa-45177	286	5	by	by	ADP
cjfa-45177	286	6	th	th	ADP
cjfa-45177	286	7	e	e	X
cjfa-45177	286	8	au	au	X
cjfa-45177	286	9	th	th	X
cjfa-45177	286	10	or	or	CCONJ
cjfa-45177	286	11	s	s	X
cjfa-45177	286	12	u	u	NOUN
cjfa-45177	286	13	si	si	PROPN
cjfa-45177	286	14	ng	ng	PROPN
cjfa-45177	286	15	s	s	PROPN
cjfa-45177	286	16	ta	ta	X
cjfa-45177	286	17	ta	ta	X
cjfa-45177	286	18	v	v	ADP
cjfa-45177	286	19	15	15	NUM
cjfa-45177	286	20	.	.	PUNCT
cjfa-45177	287	1	ta	ta	AUX
cjfa-45177	287	2	bl	bl	PROPN
cjfa-45177	287	3	e	e	PROPN
cjfa-45177	287	4	2	2	NUM
cjfa-45177	287	5	.	.	X
cjfa-45177	287	6	b	b	NOUN
cjfa-45177	287	7	as	as	SCONJ
cjfa-45177	287	8	el	el	PROPN
cjfa-45177	287	9	in	in	ADP
cjfa-45177	287	10	e	e	PROPN
cjfa-45177	287	11	es	es	ADP
cjfa-45177	287	12	ti	ti	PROPN
cjfa-45177	287	13	m	m	NOUN
cjfa-45177	287	14	at	at	ADP
cjfa-45177	287	15	io	io	PROPN
cjfa-45177	287	16	n	n	PRON
cjfa-45177	287	17	wulli	wulli	NOUN
cjfa-45177	287	18	faustin	faustin	NOUN
cjfa-45177	287	19	djoufouet	djoufouet	PROPN
cjfa-45177	287	20	,	,	PUNCT
cjfa-45177	287	21	thierry	thierry	NOUN
cjfa-45177	287	22	messie	messie	PROPN
cjfa-45177	287	23	pondie8080	pondie8080	PROPN
cjfa-45177	287	24	the	the	DET
cjfa-45177	287	25	results	result	NOUN
cjfa-45177	287	26	of	of	ADP
cjfa-45177	287	27	our	our	PRON
cjfa-45177	287	28	baseline	baseline	NOUN
cjfa-45177	287	29	model	model	NOUN
cjfa-45177	287	30	confirm	confirm	VERB
cjfa-45177	287	31	the	the	DET
cjfa-45177	287	32	fact	fact	NOUN
cjfa-45177	287	33	that	that	SCONJ
cjfa-45177	287	34	technology	technology	NOUN
cjfa-45177	287	35	tools	tool	NOUN
cjfa-45177	287	36	such	such	ADJ
cjfa-45177	287	37	as	as	ADP
cjfa-45177	287	38	the	the	DET
cjfa-45177	287	39	fixed	fix	VERB
cjfa-45177	287	40	telephone	telephone	NOUN
cjfa-45177	287	41	have	have	AUX
cjfa-45177	287	42	a	a	DET
cjfa-45177	287	43	positive	positive	ADJ
cjfa-45177	287	44	effect	effect	NOUN
cjfa-45177	287	45	on	on	ADP
cjfa-45177	287	46	financial	financial	ADJ
cjfa-45177	287	47	inclusion	inclusion	NOUN
cjfa-45177	287	48	in	in	ADP
cjfa-45177	287	49	subsaharan	subsaharan	PROPN
cjfa-45177	287	50	africa	africa	PROPN
cjfa-45177	287	51	.	.	PUNCT
cjfa-45177	288	1	thus	thus	ADV
cjfa-45177	288	2	,	,	PUNCT
cjfa-45177	288	3	this	this	PRON
cjfa-45177	288	4	further	far	ADV
cjfa-45177	288	5	confirms	confirm	VERB
cjfa-45177	288	6	the	the	DET
cjfa-45177	288	7	previous	previous	ADJ
cjfa-45177	288	8	results	result	NOUN
cjfa-45177	288	9	found	find	VERB
cjfa-45177	288	10	by	by	ADP
cjfa-45177	288	11	tchamyou	tchamyou	PROPN
cjfa-45177	288	12	et	et	PROPN
cjfa-45177	288	13	al	al	PROPN
cjfa-45177	288	14	.	.	PROPN
cjfa-45177	289	1	(	(	PUNCT
cjfa-45177	289	2	2019	2019	NUM
cjfa-45177	289	3	)	)	PUNCT
cjfa-45177	289	4	,	,	PUNCT
cjfa-45177	289	5	who	who	PRON
cjfa-45177	289	6	found	find	VERB
cjfa-45177	289	7	that	that	SCONJ
cjfa-45177	289	8	icts	ict	NOUN
cjfa-45177	289	9	contribute	contribute	VERB
cjfa-45177	289	10	positively	positively	ADV
cjfa-45177	289	11	to	to	ADP
cjfa-45177	289	12	the	the	DET
cjfa-45177	289	13	access	access	NOUN
cjfa-45177	289	14	of	of	ADP
cjfa-45177	289	15	financial	financial	ADJ
cjfa-45177	289	16	products	product	NOUN
cjfa-45177	289	17	by	by	ADP
cjfa-45177	289	18	african	african	ADJ
cjfa-45177	289	19	populations	population	NOUN
cjfa-45177	289	20	.	.	PUNCT
cjfa-45177	290	1	similarly	similarly	ADV
cjfa-45177	290	2	,	,	PUNCT
cjfa-45177	290	3	abor	abor	PROPN
cjfa-45177	290	4	,	,	PUNCT
cjfa-45177	290	5	amidu	amidu	ADJ
cjfa-45177	290	6	and	and	CCONJ
cjfa-45177	290	7	issahaku	issahaku	NOUN
cjfa-45177	290	8	(	(	PUNCT
cjfa-45177	290	9	2018	2018	NUM
cjfa-45177	290	10	)	)	PUNCT
cjfa-45177	290	11	,	,	PUNCT
cjfa-45177	290	12	ozili	ozili	NOUN
cjfa-45177	290	13	(	(	PUNCT
cjfa-45177	290	14	2017	2017	NUM
cjfa-45177	290	15	)	)	PUNCT
cjfa-45177	290	16	,	,	PUNCT
cjfa-45177	290	17	gabor	gabor	PROPN
cjfa-45177	290	18	and	and	CCONJ
cjfa-45177	290	19	brooks	brooks	PROPN
cjfa-45177	290	20	(	(	PUNCT
cjfa-45177	290	21	2017	2017	NUM
cjfa-45177	290	22	)	)	PUNCT
cjfa-45177	290	23	,	,	PUNCT
cjfa-45177	290	24	demir	demir	PROPN
cjfa-45177	290	25	,	,	PUNCT
cjfa-45177	290	26	bilgin	bilgin	NOUN
cjfa-45177	290	27	,	,	PUNCT
cjfa-45177	290	28	karabulut	karabulut	VERB
cjfa-45177	290	29	and	and	CCONJ
cjfa-45177	290	30	doker	doker	NOUN
cjfa-45177	290	31	(	(	PUNCT
cjfa-45177	290	32	2020	2020	NUM
cjfa-45177	290	33	)	)	PUNCT
cjfa-45177	290	34	and	and	CCONJ
cjfa-45177	290	35	senyo	senyo	ADV
cjfa-45177	290	36	and	and	CCONJ
cjfa-45177	290	37	osabutey	osabutey	PROPN
cjfa-45177	290	38	(	(	PUNCT
cjfa-45177	290	39	2020	2020	NUM
cjfa-45177	290	40	)	)	PUNCT
cjfa-45177	290	41	have	have	AUX
cjfa-45177	290	42	shown	show	VERB
cjfa-45177	290	43	beneficial	beneficial	ADJ
cjfa-45177	290	44	effects	effect	NOUN
cjfa-45177	290	45	of	of	ADP
cjfa-45177	290	46	fintech	fintech	NOUN
cjfa-45177	290	47	on	on	ADP
cjfa-45177	290	48	the	the	DET
cjfa-45177	290	49	level	level	NOUN
cjfa-45177	290	50	of	of	ADP
cjfa-45177	290	51	financial	financial	ADJ
cjfa-45177	290	52	inclusion	inclusion	NOUN
cjfa-45177	290	53	of	of	ADP
cjfa-45177	290	54	populations	population	NOUN
cjfa-45177	290	55	in	in	ADP
cjfa-45177	290	56	different	different	ADJ
cjfa-45177	290	57	contexts	contexts	NOUN
cjfa-45177	290	58	.	.	PUNCT
cjfa-45177	291	1	thus	thus	ADV
cjfa-45177	291	2	,	,	PUNCT
cjfa-45177	291	3	analysing	analyse	VERB
cjfa-45177	291	4	the	the	DET
cjfa-45177	291	5	effect	effect	NOUN
cjfa-45177	291	6	of	of	ADP
cjfa-45177	291	7	fintech	fintech	NOUN
cjfa-45177	291	8	on	on	ADP
cjfa-45177	291	9	financial	financial	ADJ
cjfa-45177	291	10	inclusion	inclusion	NOUN
cjfa-45177	291	11	in	in	ADP
cjfa-45177	291	12	this	this	DET
cjfa-45177	291	13	period	period	NOUN
cjfa-45177	291	14	of	of	ADP
cjfa-45177	291	15	covid-19	covid-19	PROPN
cjfa-45177	291	16	finds	find	VERB
cjfa-45177	291	17	that	that	SCONJ
cjfa-45177	291	18	the	the	DET
cjfa-45177	291	19	fixed	fix	VERB
cjfa-45177	291	20	-	-	PUNCT
cjfa-45177	291	21	line	line	NOUN
cjfa-45177	291	22	telephone	telephone	NOUN
cjfa-45177	291	23	variable	variable	NOUN
cjfa-45177	291	24	,	,	PUNCT
cjfa-45177	291	25	considered	consider	VERB
cjfa-45177	291	26	as	as	ADP
cjfa-45177	291	27	a	a	DET
cjfa-45177	291	28	proxy	proxy	NOUN
cjfa-45177	291	29	for	for	ADP
cjfa-45177	291	30	fintech	fintech	NOUN
cjfa-45177	291	31	,	,	PUNCT
cjfa-45177	291	32	acts	act	VERB
cjfa-45177	291	33	positively	positively	ADV
cjfa-45177	291	34	on	on	ADP
cjfa-45177	291	35	financial	financial	ADJ
cjfa-45177	291	36	inclusion	inclusion	NOUN
cjfa-45177	291	37	(	(	PUNCT
cjfa-45177	291	38	asongu	asongu	PROPN
cjfa-45177	291	39	&	&	CCONJ
cjfa-45177	291	40	odhiambo	odhiambo	ADJ
cjfa-45177	291	41	,	,	PUNCT
cjfa-45177	291	42	2018	2018	NUM
cjfa-45177	291	43	;	;	PUNCT
cjfa-45177	291	44	asongu	asongu	PROPN
cjfa-45177	291	45	,	,	PUNCT
cjfa-45177	291	46	nwachukwu	nwachukwu	PROPN
cjfa-45177	291	47	&	&	CCONJ
cjfa-45177	291	48	orim	orim	PROPN
cjfa-45177	291	49	,	,	PUNCT
cjfa-45177	291	50	2018	2018	NUM
cjfa-45177	291	51	;	;	PUNCT
cjfa-45177	291	52	demir	demir	PROPN
cjfa-45177	291	53	et	et	PROPN
cjfa-45177	291	54	al	al	PROPN
cjfa-45177	291	55	.	.	PROPN
cjfa-45177	291	56	,	,	PUNCT
cjfa-45177	291	57	2020	2020	NUM
cjfa-45177	291	58	)	)	PUNCT
cjfa-45177	291	59	.	.	PUNCT
cjfa-45177	292	1	this	this	DET
cjfa-45177	292	2	measure	measure	NOUN
cjfa-45177	292	3	of	of	ADP
cjfa-45177	292	4	fintech	fintech	NOUN
cjfa-45177	292	5	has	have	VERB
cjfa-45177	292	6	positive	positive	ADJ
cjfa-45177	292	7	and	and	CCONJ
cjfa-45177	292	8	significant	significant	ADJ
cjfa-45177	292	9	effects	effect	NOUN
cjfa-45177	292	10	on	on	ADP
cjfa-45177	292	11	the	the	DET
cjfa-45177	292	12	financial	financial	ADJ
cjfa-45177	292	13	inclusion	inclusion	NOUN
cjfa-45177	292	14	index	index	NOUN
cjfa-45177	292	15	.	.	PUNCT
cjfa-45177	293	1	for	for	ADP
cjfa-45177	293	2	example	example	NOUN
cjfa-45177	293	3	,	,	PUNCT
cjfa-45177	293	4	a	a	DET
cjfa-45177	293	5	1	1	NUM
cjfa-45177	293	6	%	%	NOUN
cjfa-45177	293	7	increase	increase	NOUN
cjfa-45177	293	8	in	in	ADP
cjfa-45177	293	9	the	the	DET
cjfa-45177	293	10	number	number	NOUN
cjfa-45177	293	11	of	of	ADP
cjfa-45177	293	12	people	people	NOUN
cjfa-45177	293	13	using	use	VERB
cjfa-45177	293	14	fixed	fix	VERB
cjfa-45177	293	15	-	-	PUNCT
cjfa-45177	293	16	line	line	NOUN
cjfa-45177	293	17	phones	phone	NOUN
cjfa-45177	293	18	would	would	AUX
cjfa-45177	293	19	contribute	contribute	VERB
cjfa-45177	293	20	to	to	ADP
cjfa-45177	293	21	a	a	DET
cjfa-45177	293	22	0.67	0.67	NUM
cjfa-45177	293	23	%	%	NOUN
cjfa-45177	293	24	increase	increase	NOUN
cjfa-45177	293	25	in	in	ADP
cjfa-45177	293	26	financial	financial	ADJ
cjfa-45177	293	27	inclusion	inclusion	NOUN
cjfa-45177	293	28	according	accord	VERB
cjfa-45177	293	29	to	to	ADP
cjfa-45177	293	30	the	the	DET
cjfa-45177	293	31	ols	ol	NOUN
cjfa-45177	293	32	estimates	estimate	NOUN
cjfa-45177	293	33	.	.	PUNCT
cjfa-45177	294	1	in	in	ADP
cjfa-45177	294	2	the	the	DET
cjfa-45177	294	3	fixed	fixed	ADJ
cjfa-45177	294	4	effect	effect	NOUN
cjfa-45177	294	5	estimates	estimate	NOUN
cjfa-45177	294	6	,	,	PUNCT
cjfa-45177	294	7	a	a	DET
cjfa-45177	294	8	1	1	NUM
cjfa-45177	294	9	%	%	NOUN
cjfa-45177	294	10	increase	increase	NOUN
cjfa-45177	294	11	in	in	ADP
cjfa-45177	294	12	fintech	fintech	NOUN
cjfa-45177	294	13	would	would	AUX
cjfa-45177	294	14	contribute	contribute	VERB
cjfa-45177	294	15	to	to	ADP
cjfa-45177	294	16	a	a	DET
cjfa-45177	294	17	financial	financial	ADJ
cjfa-45177	294	18	inclusion	inclusion	NOUN
cjfa-45177	294	19	of	of	ADP
cjfa-45177	294	20	about	about	ADV
cjfa-45177	294	21	0.33	0.33	NUM
cjfa-45177	294	22	%	%	NOUN
cjfa-45177	294	23	.	.	PUNCT
cjfa-45177	295	1	the	the	DET
cjfa-45177	295	2	driscoll	driscoll	NOUN
cjfa-45177	295	3	-	-	PUNCT
cjfa-45177	295	4	kraay	kraay	PROPN
cjfa-45177	295	5	(	(	PUNCT
cjfa-45177	295	6	1998	1998	NUM
cjfa-45177	295	7	)	)	PUNCT
cjfa-45177	295	8	technique	technique	NOUN
cjfa-45177	295	9	consolidates	consolidate	VERB
cjfa-45177	295	10	these	these	DET
cjfa-45177	295	11	results	result	NOUN
cjfa-45177	295	12	by	by	ADP
cjfa-45177	295	13	showing	show	VERB
cjfa-45177	295	14	that	that	SCONJ
cjfa-45177	295	15	with	with	ADP
cjfa-45177	295	16	1	1	NUM
cjfa-45177	295	17	%	%	NOUN
cjfa-45177	295	18	of	of	ADP
cjfa-45177	295	19	people	people	NOUN
cjfa-45177	295	20	having	have	VERB
cjfa-45177	295	21	access	access	NOUN
cjfa-45177	295	22	to	to	ADP
cjfa-45177	295	23	fintech	fintech	NOUN
cjfa-45177	295	24	tools	tool	NOUN
cjfa-45177	295	25	,	,	PUNCT
cjfa-45177	295	26	there	there	PRON
cjfa-45177	295	27	is	be	VERB
cjfa-45177	295	28	an	an	DET
cjfa-45177	295	29	improvement	improvement	NOUN
cjfa-45177	295	30	in	in	ADP
cjfa-45177	295	31	the	the	DET
cjfa-45177	295	32	financial	financial	ADJ
cjfa-45177	295	33	inclusion	inclusion	NOUN
cjfa-45177	295	34	rate	rate	NOUN
cjfa-45177	295	35	of	of	ADP
cjfa-45177	295	36	about	about	ADV
cjfa-45177	295	37	0.70	0.70	NUM
cjfa-45177	295	38	%	%	NOUN
cjfa-45177	295	39	.	.	PUNCT
cjfa-45177	296	1	these	these	DET
cjfa-45177	296	2	results	result	NOUN
cjfa-45177	296	3	reflect	reflect	VERB
cjfa-45177	296	4	the	the	DET
cjfa-45177	296	5	rapid	rapid	ADJ
cjfa-45177	296	6	evolution	evolution	NOUN
cjfa-45177	296	7	of	of	ADP
cjfa-45177	296	8	technology	technology	NOUN
cjfa-45177	296	9	tools	tool	NOUN
cjfa-45177	296	10	in	in	ADP
cjfa-45177	296	11	the	the	DET
cjfa-45177	296	12	financial	financial	ADJ
cjfa-45177	296	13	sector	sector	NOUN
cjfa-45177	296	14	in	in	ADP
cjfa-45177	296	15	both	both	CCONJ
cjfa-45177	296	16	developed	developed	ADJ
cjfa-45177	296	17	and	and	CCONJ
cjfa-45177	296	18	developing	develop	VERB
cjfa-45177	296	19	countries	country	NOUN
cjfa-45177	296	20	.	.	PUNCT
cjfa-45177	297	1	for	for	ADP
cjfa-45177	297	2	the	the	DET
cjfa-45177	297	3	control	control	NOUN
cjfa-45177	297	4	variables	variable	NOUN
cjfa-45177	297	5	,	,	PUNCT
cjfa-45177	297	6	gross	gross	ADJ
cjfa-45177	297	7	domestic	domestic	ADJ
cjfa-45177	297	8	product	product	NOUN
cjfa-45177	297	9	remains	remain	VERB
cjfa-45177	297	10	positive	positive	ADJ
cjfa-45177	297	11	overall	overall	ADJ
cjfa-45177	297	12	but	but	CCONJ
cjfa-45177	297	13	insignificant	insignificant	ADJ
cjfa-45177	297	14	,	,	PUNCT
cjfa-45177	297	15	regardless	regardless	ADV
cjfa-45177	297	16	of	of	ADP
cjfa-45177	297	17	the	the	DET
cjfa-45177	297	18	estimation	estimation	NOUN
cjfa-45177	297	19	method	method	NOUN
cjfa-45177	297	20	.	.	PUNCT
cjfa-45177	298	1	this	this	DET
cjfa-45177	298	2	result	result	NOUN
cjfa-45177	298	3	is	be	AUX
cjfa-45177	298	4	consistent	consistent	ADJ
cjfa-45177	298	5	with	with	ADP
cjfa-45177	298	6	those	those	PRON
cjfa-45177	298	7	of	of	ADP
cjfa-45177	298	8	abor	abor	PROPN
cjfa-45177	298	9	et	et	PROPN
cjfa-45177	298	10	al	al	PROPN
cjfa-45177	298	11	.	.	PUNCT
cjfa-45177	299	1	(	(	PUNCT
cjfa-45177	299	2	2018	2018	NUM
cjfa-45177	299	3	)	)	PUNCT
cjfa-45177	299	4	,	,	PUNCT
cjfa-45177	299	5	kim	kim	PROPN
cjfa-45177	299	6	,	,	PUNCT
cjfa-45177	299	7	yu	yu	PROPN
cjfa-45177	299	8	and	and	CCONJ
cjfa-45177	299	9	hassan	hassan	PROPN
cjfa-45177	299	10	(	(	PUNCT
cjfa-45177	299	11	2018	2018	NUM
cjfa-45177	299	12	)	)	PUNCT
cjfa-45177	299	13	and	and	CCONJ
cjfa-45177	299	14	usman	usman	PROPN
cjfa-45177	299	15	,	,	PUNCT
cjfa-45177	299	16	makhdum	makhdum	NOUN
cjfa-45177	299	17	and	and	CCONJ
cjfa-45177	299	18	kousar	kousar	ADJ
cjfa-45177	299	19	(	(	PUNCT
cjfa-45177	299	20	2021	2021	NUM
cjfa-45177	299	21	)	)	PUNCT
cjfa-45177	299	22	.	.	PUNCT
cjfa-45177	300	1	employment	employment	NOUN
cjfa-45177	300	2	is	be	AUX
cjfa-45177	300	3	also	also	ADV
cjfa-45177	300	4	a	a	DET
cjfa-45177	300	5	channel	channel	NOUN
cjfa-45177	300	6	through	through	ADP
cjfa-45177	300	7	which	which	PRON
cjfa-45177	300	8	fin	fin	NOUN
cjfa-45177	300	9	 	 	SPACE
cjfa-45177	300	10	tech	tech	NOUN
cjfa-45177	300	11	is	be	AUX
cjfa-45177	300	12	able	able	ADJ
cjfa-45177	300	13	to	to	PART
cjfa-45177	300	14	increase	increase	VERB
cjfa-45177	300	15	the	the	DET
cjfa-45177	300	16	number	number	NOUN
cjfa-45177	300	17	of	of	ADP
cjfa-45177	300	18	people	people	NOUN
cjfa-45177	300	19	with	with	ADP
cjfa-45177	300	20	access	access	NOUN
cjfa-45177	300	21	to	to	ADP
cjfa-45177	300	22	financial	financial	ADJ
cjfa-45177	300	23	services	service	NOUN
cjfa-45177	300	24	(	(	PUNCT
cjfa-45177	300	25	beck	beck	NOUN
cjfa-45177	300	26	,	,	PUNCT
cjfa-45177	300	27	demirgüç	demirgüç	PROPN
cjfa-45177	300	28	-	-	PUNCT
cjfa-45177	300	29	kunt	kunt	PROPN
cjfa-45177	300	30	&	&	CCONJ
cjfa-45177	300	31	levine	levine	PROPN
cjfa-45177	300	32	,	,	PUNCT
cjfa-45177	300	33	2007	2007	NUM
cjfa-45177	300	34	;	;	PUNCT
cjfa-45177	300	35	geng	geng	PROPN
cjfa-45177	300	36	&	&	CCONJ
cjfa-45177	300	37	he	he	PRON
cjfa-45177	300	38	,	,	PUNCT
cjfa-45177	300	39	2021	2021	NUM
cjfa-45177	300	40	)	)	PUNCT
cjfa-45177	300	41	.	.	PUNCT
cjfa-45177	301	1	the	the	DET
cjfa-45177	301	2	results	result	NOUN
cjfa-45177	301	3	also	also	ADV
cjfa-45177	301	4	show	show	VERB
cjfa-45177	301	5	that	that	SCONJ
cjfa-45177	301	6	the	the	DET
cjfa-45177	301	7	average	average	ADJ
cjfa-45177	301	8	level	level	NOUN
cjfa-45177	301	9	of	of	ADP
cjfa-45177	301	10	education	education	NOUN
cjfa-45177	301	11	of	of	ADP
cjfa-45177	301	12	the	the	DET
cjfa-45177	301	13	population	population	NOUN
cjfa-45177	301	14	has	have	VERB
cjfa-45177	301	15	significant	significant	ADJ
cjfa-45177	301	16	positive	positive	ADJ
cjfa-45177	301	17	effects	effect	NOUN
cjfa-45177	301	18	on	on	ADP
cjfa-45177	301	19	financial	financial	ADJ
cjfa-45177	301	20	inclusion	inclusion	NOUN
cjfa-45177	301	21	in	in	ADP
cjfa-45177	301	22	sub	sub	ADJ
cjfa-45177	301	23	-	-	ADJ
cjfa-45177	301	24	saharan	saharan	ADJ
cjfa-45177	301	25	africa	africa	PROPN
cjfa-45177	301	26	.	.	PUNCT
cjfa-45177	302	1	similar	similar	ADJ
cjfa-45177	302	2	results	result	NOUN
cjfa-45177	302	3	have	have	AUX
cjfa-45177	302	4	been	be	AUX
cjfa-45177	302	5	found	find	VERB
cjfa-45177	302	6	by	by	ADP
cjfa-45177	302	7	authors	author	NOUN
cjfa-45177	302	8	such	such	ADJ
cjfa-45177	302	9	as	as	ADP
cjfa-45177	302	10	ozili	ozili	NOUN
cjfa-45177	302	11	(	(	PUNCT
cjfa-45177	302	12	2021	2021	NUM
cjfa-45177	302	13	)	)	PUNCT
cjfa-45177	302	14	;	;	PUNCT
cjfa-45177	302	15	were	be	AUX
cjfa-45177	302	16	,	,	PUNCT
cjfa-45177	302	17	odongo	odongo	PROPN
cjfa-45177	302	18	and	and	CCONJ
cjfa-45177	302	19	israel	israel	PROPN
cjfa-45177	302	20	(	(	PUNCT
cjfa-45177	302	21	2021	2021	NUM
cjfa-45177	302	22	)	)	PUNCT
cjfa-45177	302	23	.	.	PUNCT
cjfa-45177	303	1	in	in	ADP
cjfa-45177	303	2	addition	addition	NOUN
cjfa-45177	303	3	,	,	PUNCT
cjfa-45177	303	4	remittances	remittance	NOUN
cjfa-45177	303	5	have	have	VERB
cjfa-45177	303	6	a	a	DET
cjfa-45177	303	7	positive	positive	ADJ
cjfa-45177	303	8	effect	effect	NOUN
cjfa-45177	303	9	on	on	ADP
cjfa-45177	303	10	financial	financial	ADJ
cjfa-45177	303	11	inclusion	inclusion	NOUN
cjfa-45177	303	12	.	.	PUNCT
cjfa-45177	304	1	several	several	ADJ
cjfa-45177	304	2	other	other	ADJ
cjfa-45177	304	3	authors	author	NOUN
cjfa-45177	304	4	in	in	ADP
cjfa-45177	304	5	the	the	DET
cjfa-45177	304	6	literature	literature	NOUN
cjfa-45177	304	7	have	have	AUX
cjfa-45177	304	8	shown	show	VERB
cjfa-45177	304	9	this	this	PRON
cjfa-45177	304	10	,	,	PUNCT
cjfa-45177	304	11	such	such	ADJ
cjfa-45177	304	12	as	as	ADP
cjfa-45177	304	13	chuc	chuc	ADJ
cjfa-45177	304	14	,	,	PUNCT
cjfa-45177	304	15	li	li	PROPN
cjfa-45177	304	16	,	,	PUNCT
cjfa-45177	304	17	phi	phi	NOUN
cjfa-45177	304	18	,	,	PUNCT
cjfa-45177	304	19	le	le	X
cjfa-45177	304	20	,	,	PUNCT
cjfa-45177	304	21	yoshino	yoshino	NOUN
cjfa-45177	304	22	and	and	CCONJ
cjfa-45177	304	23	taghizadeh	taghizadeh	NOUN
cjfa-45177	304	24	-	-	PUNCT
cjfa-45177	304	25	hesary	hesary	ADJ
cjfa-45177	304	26	(	(	PUNCT
cjfa-45177	304	27	2021	2021	NUM
cjfa-45177	304	28	)	)	PUNCT
cjfa-45177	304	29	and	and	CCONJ
cjfa-45177	304	30	barnabe	barnabe	NOUN
cjfa-45177	304	31	(	(	PUNCT
cjfa-45177	304	32	2021	2021	NUM
cjfa-45177	304	33	)	)	PUNCT
cjfa-45177	304	34	.	.	PUNCT
cjfa-45177	305	1	table	table	NOUN
cjfa-45177	305	2	3	3	NUM
cjfa-45177	305	3	below	below	ADP
cjfa-45177	305	4	tests	test	VERB
cjfa-45177	305	5	the	the	DET
cjfa-45177	305	6	robustness	robustness	NOUN
cjfa-45177	305	7	of	of	ADP
cjfa-45177	305	8	the	the	DET
cjfa-45177	305	9	results	result	NOUN
cjfa-45177	305	10	by	by	ADP
cjfa-45177	305	11	incorporating	incorporate	VERB
cjfa-45177	305	12	the	the	DET
cjfa-45177	305	13	additional	additional	ADJ
cjfa-45177	305	14	variables	variable	NOUN
cjfa-45177	305	15	.	.	PUNCT
cjfa-45177	306	1	ta	ta	X
cjfa-45177	306	2	bl	bl	PROPN
cjfa-45177	306	3	e	e	PROPN
cjfa-45177	306	4	3	3	X
cjfa-45177	306	5	.	.	PUNCT
cjfa-45177	307	1	r	r	AUX
cjfa-45177	307	2	ob	ob	NOUN
cjfa-45177	307	3	us	us	PROPN
cjfa-45177	307	4	tn	tn	PROPN
cjfa-45177	307	5	es	es	NOUN
cjfa-45177	307	6	s	s	PROPN
cjfa-45177	307	7	t	t	NOUN
cjfa-45177	307	8	es	es	X
cjfa-45177	307	9	t	t	PROPN
cjfa-45177	307	10	b	b	PROPN
cjfa-45177	307	11	y	y	PROPN
cjfa-45177	307	12	in	in	ADP
cjfa-45177	307	13	te	te	PROPN
cjfa-45177	307	14	gr	gr	NOUN
cjfa-45177	307	15	at	at	ADP
cjfa-45177	307	16	io	io	PROPN
cjfa-45177	307	17	n	n	ADP
cjfa-45177	307	18	of	of	ADP
cjfa-45177	307	19	a	a	DET
cjfa-45177	307	20	dd	dd	PROPN
cjfa-45177	307	21	iti	iti	PROPN
cjfa-45177	307	22	on	on	ADP
cjfa-45177	307	23	al	al	PROPN
cjfa-45177	307	24	v	v	PROPN
cjfa-45177	307	25	ar	ar	PROPN
cjfa-45177	307	26	ia	ia	PROPN
cjfa-45177	307	27	bl	bl	PROPN
cjfa-45177	307	28	es	es	PROPN
cjfa-45177	307	29	v	v	PROPN
cjfa-45177	307	30	ar	ar	PROPN
cjfa-45177	307	31	ia	ia	PROPN
cjfa-45177	307	32	bl	bl	PROPN
cjfa-45177	307	33	es	es	PROPN
cjfa-45177	307	34	fi	fi	PROPN
cjfa-45177	307	35	na	na	PROPN
cjfa-45177	307	36	nc	nc	PROPN
cjfa-45177	307	37	ia	ia	PROPN
cjfa-45177	308	1	l	l	PROPN
cjfa-45177	309	1	i	i	PRON
cjfa-45177	309	2	nc	nc	PROPN
cjfa-45177	309	3	lu	lu	PROPN
cjfa-45177	309	4	si	si	X
cjfa-45177	309	5	on	on	ADV
cjfa-45177	309	6	in	in	ADP
cjfa-45177	309	7	de	de	X
cjfa-45177	309	8	x	x	NOUN
cjfa-45177	309	9	o	o	X
cjfa-45177	309	10	ls	ls	PROPN
cjfa-45177	309	11	d	d	X
cjfa-45177	309	12	ri	ri	PROPN
cjfa-45177	309	13	sc	sc	PROPN
cjfa-45177	309	14	ol	ol	PROPN
cjfa-45177	309	15	l	l	PROPN
cjfa-45177	309	16	-	-	PROPN
cjfa-45177	309	17	k	k	NOUN
cjfa-45177	309	18	ra	ra	NOUN
cjfa-45177	309	19	ay	ay	NOUN
cjfa-45177	309	20	1	1	NUM
cjfa-45177	309	21	2	2	NUM
cjfa-45177	309	22	3	3	NUM
cjfa-45177	309	23	4	4	NUM
cjfa-45177	309	24	5	5	NUM
cjfa-45177	309	25	6	6	NUM
cjfa-45177	309	26	7	7	NUM
cjfa-45177	309	27	8	8	NUM
cjfa-45177	309	28	9	9	NUM
cjfa-45177	309	29	10	10	NUM
cjfa-45177	309	30	11	11	NUM
cjfa-45177	309	31	12	12	NUM
cjfa-45177	309	32	13	13	NUM
cjfa-45177	309	33	14	14	NUM
cjfa-45177	309	34	15	15	NUM
cjfa-45177	309	35	16	16	NUM
cjfa-45177	309	36	17	17	NUM
cjfa-45177	309	37	18	18	NUM
cjfa-45177	309	38	m	m	NOUN
cjfa-45177	309	39	ob	ob	NOUN
cjfa-45177	309	40	ile	ile	PROPN
cjfa-45177	309	41	p	p	PROPN
cjfa-45177	309	42	ho	ho	PROPN
cjfa-45177	309	43	ne	ne	PROPN
cjfa-45177	309	44	0	0	PROPN
cjfa-45177	309	45	.	.	PROPN
cjfa-45177	309	46	00	00	NUM
cjfa-45177	310	1	14	14	NUM
cjfa-45177	310	2	3	3	NUM
cjfa-45177	310	3	*	*	PUNCT
cjfa-45177	310	4	*	*	PUNCT
cjfa-45177	310	5	*	*	NOUN
cjfa-45177	310	6	0	0	NUM
cjfa-45177	310	7	.	.	NUM
cjfa-45177	310	8	00	00	NUM
cjfa-45177	311	1	12	12	NUM
cjfa-45177	311	2	5	5	NUM
cjfa-45177	311	3	*	*	PUNCT
cjfa-45177	311	4	*	*	PUNCT
cjfa-45177	311	5	*	*	NOUN
cjfa-45177	311	6	0	0	NUM
cjfa-45177	311	7	.	.	NUM
cjfa-45177	311	8	00	00	NUM
cjfa-45177	312	1	12	12	NUM
cjfa-45177	312	2	3	3	NUM
cjfa-45177	312	3	*	*	PUNCT
cjfa-45177	312	4	*	*	PUNCT
cjfa-45177	312	5	*	*	NOUN
cjfa-45177	312	6	0	0	NUM
cjfa-45177	312	7	.	.	NUM
cjfa-45177	312	8	00	00	NUM
cjfa-45177	312	9	04	04	NUM
cjfa-45177	313	1	88	88	NUM
cjfa-45177	313	2	*	*	PUNCT
cjfa-45177	313	3	*	*	PUNCT
cjfa-45177	313	4	*	*	PUNCT
cjfa-45177	313	5	0	0	NUM
cjfa-45177	313	6	.	.	NUM
cjfa-45177	313	7	00	00	NUM
cjfa-45177	313	8	04	04	NUM
cjfa-45177	314	1	10	10	NUM
cjfa-45177	314	2	*	*	PUNCT
cjfa-45177	314	3	*	*	NOUN
cjfa-45177	314	4	0	0	NUM
cjfa-45177	314	5	.	.	NUM
cjfa-45177	314	6	00	00	NUM
cjfa-45177	315	1	03	03	NUM
cjfa-45177	315	2	98	98	NUM
cjfa-45177	315	3	*	*	PUNCT
cjfa-45177	315	4	*	*	NOUN
cjfa-45177	315	5	0	0	NUM
cjfa-45177	315	6	.	.	NUM
cjfa-45177	315	7	00	00	NUM
cjfa-45177	316	1	11	11	NUM
cjfa-45177	316	2	7	7	NUM
cjfa-45177	316	3	*	*	PUNCT
cjfa-45177	316	4	*	*	PUNCT
cjfa-45177	316	5	*	*	NOUN
cjfa-45177	316	6	0	0	NUM
cjfa-45177	316	7	.	.	NUM
cjfa-45177	316	8	00	00	NUM
cjfa-45177	317	1	10	10	NUM
cjfa-45177	317	2	3	3	NUM
cjfa-45177	317	3	*	*	PUNCT
cjfa-45177	317	4	*	*	PUNCT
cjfa-45177	317	5	*	*	PUNCT
cjfa-45177	317	6	0	0	NUM
cjfa-45177	317	7	.	.	NUM
cjfa-45177	317	8	00	00	NUM
cjfa-45177	318	1	08	08	NUM
cjfa-45177	319	1	26	26	NUM
cjfa-45177	320	1	*	*	PUNCT
cjfa-45177	320	2	*	*	PUNCT
cjfa-45177	321	1	*	*	PUNCT
cjfa-45177	321	2	0	0	NUM
cjfa-45177	321	3	.	.	NUM
cjfa-45177	321	4	00	00	NUM
cjfa-45177	322	1	02	02	NUM
cjfa-45177	322	2	19	19	NUM
cjfa-45177	322	3	*	*	PUNCT
cjfa-45177	322	4	*	*	PUNCT
cjfa-45177	323	1	*	*	PUNCT
cjfa-45177	323	2	0	0	NUM
cjfa-45177	323	3	.	.	NUM
cjfa-45177	323	4	00	00	NUM
cjfa-45177	324	1	02	02	NUM
cjfa-45177	324	2	16	16	NUM
cjfa-45177	325	1	*	*	PUNCT
cjfa-45177	325	2	*	*	PUNCT
cjfa-45177	326	1	*	*	PUNCT
cjfa-45177	326	2	0	0	NUM
cjfa-45177	326	3	.	.	NUM
cjfa-45177	326	4	00	00	NUM
cjfa-45177	327	1	01	01	NUM
cjfa-45177	327	2	80	80	NUM
cjfa-45177	327	3	*	*	PUNCT
cjfa-45177	327	4	*	*	NOUN
cjfa-45177	327	5	0	0	NUM
cjfa-45177	327	6	.	.	NUM
cjfa-45177	327	7	00	00	NUM
cjfa-45177	328	1	15	15	NUM
cjfa-45177	328	2	7	7	NUM
cjfa-45177	328	3	*	*	PUNCT
cjfa-45177	328	4	*	*	PUNCT
cjfa-45177	328	5	*	*	NOUN
cjfa-45177	328	6	0	0	NUM
cjfa-45177	328	7	.	.	NUM
cjfa-45177	328	8	00	00	NUM
cjfa-45177	329	1	14	14	NUM
cjfa-45177	329	2	2	2	NUM
cjfa-45177	329	3	*	*	PUNCT
cjfa-45177	329	4	*	*	PUNCT
cjfa-45177	329	5	*	*	NOUN
cjfa-45177	329	6	0	0	NUM
cjfa-45177	329	7	.	.	NUM
cjfa-45177	329	8	00	00	NUM
cjfa-45177	330	1	13	13	NUM
cjfa-45177	330	2	6	6	NUM
cjfa-45177	330	3	*	*	PUNCT
cjfa-45177	330	4	*	*	PUNCT
cjfa-45177	330	5	*	*	PUNCT
cjfa-45177	330	6	0	0	NUM
cjfa-45177	330	7	.	.	NUM
cjfa-45177	330	8	00	00	NUM
cjfa-45177	331	1	05	05	NUM
cjfa-45177	331	2	91	91	NUM
cjfa-45177	332	1	*	*	PUNCT
cjfa-45177	332	2	*	*	PUNCT
cjfa-45177	333	1	*	*	PUNCT
cjfa-45177	333	2	0	0	NUM
cjfa-45177	333	3	.	.	NUM
cjfa-45177	333	4	00	00	NUM
cjfa-45177	333	5	04	04	NUM
cjfa-45177	334	1	90	90	NUM
cjfa-45177	334	2	*	*	PUNCT
cjfa-45177	334	3	*	*	NOUN
cjfa-45177	334	4	0	0	NUM
cjfa-45177	334	5	.	.	NUM
cjfa-45177	334	6	00	00	NUM
cjfa-45177	334	7	04	04	NUM
cjfa-45177	335	1	20	20	NUM
cjfa-45177	335	2	*	*	PUNCT
cjfa-45177	335	3	*	*	PUNCT
cjfa-45177	335	4	(	(	PUNCT
cjfa-45177	335	5	0	0	NUM
cjfa-45177	335	6	.0	.0	NUM
cjfa-45177	335	7	00	00	NUM
cjfa-45177	335	8	13	13	NUM
cjfa-45177	335	9	1	1	NUM
cjfa-45177	335	10	)	)	PUNCT
cjfa-45177	335	11	(	(	PUNCT
cjfa-45177	335	12	0	0	NUM
cjfa-45177	335	13	.0	.0	NUM
cjfa-45177	335	14	00	00	NUM
cjfa-45177	335	15	12	12	NUM
cjfa-45177	335	16	9	9	NUM
cjfa-45177	335	17	)	)	PUNCT
cjfa-45177	335	18	(	(	PUNCT
cjfa-45177	335	19	0	0	NUM
cjfa-45177	335	20	.0	.0	NUM
cjfa-45177	335	21	00	00	NUM
cjfa-45177	335	22	14	14	NUM
cjfa-45177	335	23	2	2	NUM
cjfa-45177	335	24	)	)	PUNCT
cjfa-45177	335	25	(	(	PUNCT
cjfa-45177	335	26	0	0	NUM
cjfa-45177	335	27	.0	.0	NUM
cjfa-45177	335	28	00	00	NUM
cjfa-45177	335	29	15	15	NUM
cjfa-45177	335	30	9	9	NUM
cjfa-45177	335	31	)	)	PUNCT
cjfa-45177	335	32	(	(	PUNCT
cjfa-45177	335	33	0	0	NUM
cjfa-45177	335	34	.0	.0	NUM
cjfa-45177	335	35	00	00	NUM
cjfa-45177	335	36	16	16	NUM
cjfa-45177	335	37	3	3	NUM
cjfa-45177	335	38	)	)	PUNCT
cjfa-45177	335	39	(	(	PUNCT
cjfa-45177	335	40	0	0	NUM
cjfa-45177	335	41	.0	.0	NUM
cjfa-45177	335	42	00	00	NUM
cjfa-45177	335	43	16	16	NUM
cjfa-45177	335	44	3	3	NUM
cjfa-45177	335	45	)	)	PUNCT
cjfa-45177	335	46	(	(	PUNCT
cjfa-45177	335	47	0	0	NUM
cjfa-45177	335	48	.0	.0	NUM
cjfa-45177	335	49	00	00	NUM
cjfa-45177	335	50	10	10	NUM
cjfa-45177	335	51	2	2	NUM
cjfa-45177	335	52	)	)	PUNCT
cjfa-45177	335	53	(	(	PUNCT
cjfa-45177	335	54	0	0	NUM
cjfa-45177	335	55	.0	.0	NUM
cjfa-45177	335	56	00	00	NUM
cjfa-45177	335	57	11	11	NUM
cjfa-45177	335	58	0	0	NUM
cjfa-45177	335	59	)	)	PUNCT
cjfa-45177	335	60	(	(	PUNCT
cjfa-45177	335	61	0	0	NUM
cjfa-45177	335	62	.0	.0	NUM
cjfa-45177	335	63	00	00	NUM
cjfa-45177	335	64	14	14	NUM
cjfa-45177	335	65	8)	8)	NUM
cjfa-45177	335	66	(	(	PUNCT
cjfa-45177	335	67	4	4	NUM
cjfa-45177	335	68	.7	.7	NUM
cjfa-45177	335	69	9e	9e	NOUN
cjfa-45177	335	70	-0	-0	NOUN
cjfa-45177	335	71	5	5	NUM
cjfa-45177	335	72	)	)	PUNCT
cjfa-45177	335	73	(	(	PUNCT
cjfa-45177	335	74	4	4	NUM
cjfa-45177	335	75	.8	.8	NUM
cjfa-45177	335	76	2e	2e	NUM
cjfa-45177	335	77	-0	-0	X
cjfa-45177	335	78	5	5	NUM
cjfa-45177	335	79	)	)	PUNCT
cjfa-45177	335	80	(	(	PUNCT
cjfa-45177	335	81	6	6	NUM
cjfa-45177	335	82	.7	.7	NUM
cjfa-45177	335	83	2e	2e	NUM
cjfa-45177	335	84	-0	-0	X
cjfa-45177	335	85	5	5	NUM
cjfa-45177	335	86	)	)	PUNCT
cjfa-45177	335	87	(	(	PUNCT
cjfa-45177	335	88	0	0	NUM
cjfa-45177	335	89	.0	.0	NUM
cjfa-45177	335	90	00	00	NUM
cjfa-45177	335	91	15	15	NUM
cjfa-45177	335	92	9	9	NUM
cjfa-45177	335	93	)	)	PUNCT
cjfa-45177	335	94	(	(	PUNCT
cjfa-45177	335	95	0	0	NUM
cjfa-45177	335	96	.0	.0	NUM
cjfa-45177	335	97	00	00	NUM
cjfa-45177	335	98	15	15	NUM
cjfa-45177	335	99	1	1	NUM
cjfa-45177	335	100	)	)	PUNCT
cjfa-45177	335	101	(	(	PUNCT
cjfa-45177	335	102	0	0	NUM
cjfa-45177	335	103	.0	.0	NUM
cjfa-45177	335	104	00	00	NUM
cjfa-45177	335	105	15	15	NUM
cjfa-45177	335	106	8)	8)	NUM
cjfa-45177	335	107	(	(	PUNCT
cjfa-45177	335	108	0	0	NUM
cjfa-45177	335	109	.0	.0	NUM
cjfa-45177	335	110	00	00	NUM
cjfa-45177	335	111	18	18	NUM
cjfa-45177	335	112	2	2	NUM
cjfa-45177	335	113	)	)	PUNCT
cjfa-45177	335	114	(	(	PUNCT
cjfa-45177	335	115	0	0	NUM
cjfa-45177	335	116	.0	.0	NUM
cjfa-45177	335	117	00	00	NUM
cjfa-45177	335	118	19	19	NUM
cjfa-45177	335	119	0	0	NUM
cjfa-45177	335	120	)	)	PUNCT
cjfa-45177	335	121	(	(	PUNCT
cjfa-45177	335	122	0	0	NUM
cjfa-45177	335	123	.0	.0	NUM
cjfa-45177	335	124	00	00	NUM
cjfa-45177	335	125	19	19	NUM
cjfa-45177	335	126	2	2	NUM
cjfa-45177	335	127	)	)	PUNCT
cjfa-45177	335	128	g	g	NOUN
cjfa-45177	335	129	ro	ro	NOUN
cjfa-45177	335	130	ss	ss	NOUN
cjfa-45177	336	1	d	d	X
cjfa-45177	336	2	om	om	NOUN
cjfa-45177	336	3	es	es	PROPN
cjfa-45177	336	4	tic	tic	ADJ
cjfa-45177	337	1	pr	pr	NOUN
cjfa-45177	338	1	od	od	INTJ
cjfa-45177	338	2	uc	uc	PROPN
cjfa-45177	338	3	t	t	PROPN
cjfa-45177	338	4	-0	-0	PUNCT
cjfa-45177	338	5	.0	.0	NUM
cjfa-45177	338	6	00	00	NUM
cjfa-45177	338	7	24	24	NUM
cjfa-45177	338	8	5	5	NUM
cjfa-45177	338	9	0	0	NUM
cjfa-45177	338	10	.	.	PUNCT
cjfa-45177	338	11	00	00	NUM
cjfa-45177	338	12	06	06	NUM
cjfa-45177	339	1	54	54	NUM
cjfa-45177	339	2	0	0	NUM
cjfa-45177	339	3	.	.	PUNCT
cjfa-45177	339	4	00	00	NUM
cjfa-45177	340	1	10	10	NUM
cjfa-45177	340	2	1	1	NUM
cjfa-45177	340	3	*	*	PUNCT
cjfa-45177	340	4	*	*	PUNCT
cjfa-45177	340	5	0	0	NUM
cjfa-45177	340	6	.	.	NUM
cjfa-45177	340	7	00	00	NUM
cjfa-45177	341	1	09	09	NUM
cjfa-45177	342	1	75	75	NUM
cjfa-45177	342	2	*	*	PUNCT
cjfa-45177	342	3	0	0	NUM
cjfa-45177	342	4	.	.	NUM
cjfa-45177	342	5	00	00	NUM
cjfa-45177	343	1	09	09	NUM
cjfa-45177	343	2	67	67	NUM
cjfa-45177	343	3	*	*	NOUN
cjfa-45177	343	4	0	0	NUM
cjfa-45177	343	5	.	.	NUM
cjfa-45177	343	6	00	00	NUM
cjfa-45177	344	1	05	05	NUM
cjfa-45177	345	1	64	64	NUM
cjfa-45177	345	2	0	0	NUM
cjfa-45177	345	3	.	.	PUNCT
cjfa-45177	345	4	00	00	NUM
cjfa-45177	346	1	09	09	NUM
cjfa-45177	346	2	42	42	NUM
cjfa-45177	346	3	0	0	NUM
cjfa-45177	346	4	.	.	PUNCT
cjfa-45177	346	5	00	00	NUM
cjfa-45177	347	1	18	18	NUM
cjfa-45177	347	2	4	4	NUM
cjfa-45177	347	3	*	*	NUM
cjfa-45177	347	4	0	0	NUM
cjfa-45177	347	5	.	.	NOUN
cjfa-45177	347	6	00	00	NUM
cjfa-45177	348	1	18	18	NUM
cjfa-45177	348	2	4	4	NUM
cjfa-45177	348	3	*	*	NUM
cjfa-45177	348	4	0	0	NUM
cjfa-45177	348	5	.	.	NOUN
cjfa-45177	348	6	00	00	NUM
cjfa-45177	349	1	13	13	NUM
cjfa-45177	349	2	8	8	NUM
cjfa-45177	349	3	*	*	PUNCT
cjfa-45177	349	4	*	*	PUNCT
cjfa-45177	349	5	-0	-0	INTJ
cjfa-45177	349	6	.0	.0	NUM
cjfa-45177	349	7	00	00	NUM
cjfa-45177	349	8	17	17	NUM
cjfa-45177	349	9	0	0	NUM
cjfa-45177	349	10	0	0	NUM
cjfa-45177	349	11	.	.	PUNCT
cjfa-45177	349	12	00	00	NUM
cjfa-45177	349	13	08	08	NUM
cjfa-45177	349	14	21	21	NUM
cjfa-45177	349	15	0	0	NUM
cjfa-45177	349	16	.	.	PUNCT
cjfa-45177	349	17	00	00	NUM
cjfa-45177	350	1	10	10	NUM
cjfa-45177	350	2	6	6	NUM
cjfa-45177	350	3	*	*	PUNCT
cjfa-45177	350	4	*	*	PUNCT
cjfa-45177	350	5	0	0	NUM
cjfa-45177	350	6	.	.	NUM
cjfa-45177	350	7	00	00	NUM
cjfa-45177	351	1	10	10	NUM
cjfa-45177	351	2	1	1	NUM
cjfa-45177	351	3	*	*	NOUN
cjfa-45177	351	4	0	0	NUM
cjfa-45177	351	5	.	.	NUM
cjfa-45177	351	6	00	00	NUM
cjfa-45177	352	1	09	09	NUM
cjfa-45177	352	2	99	99	NUM
cjfa-45177	352	3	*	*	PUNCT
cjfa-45177	352	4	(	(	PUNCT
cjfa-45177	352	5	0	0	NUM
cjfa-45177	352	6	.0	.0	NUM
cjfa-45177	352	7	00	00	NUM
cjfa-45177	352	8	48	48	NUM
cjfa-45177	352	9	2	2	NUM
cjfa-45177	352	10	)	)	PUNCT
cjfa-45177	352	11	(	(	PUNCT
cjfa-45177	352	12	0	0	NUM
cjfa-45177	352	13	.0	.0	NUM
cjfa-45177	352	14	00	00	NUM
cjfa-45177	352	15	54	54	NUM
cjfa-45177	352	16	3	3	NUM
cjfa-45177	352	17	)	)	PUNCT
cjfa-45177	352	18	(	(	PUNCT
cjfa-45177	352	19	0	0	NUM
cjfa-45177	352	20	.0	.0	NUM
cjfa-45177	352	21	00	00	NUM
cjfa-45177	352	22	50	50	NUM
cjfa-45177	352	23	9	9	NUM
cjfa-45177	352	24	)	)	PUNCT
cjfa-45177	352	25	(	(	PUNCT
cjfa-45177	352	26	0	0	NUM
cjfa-45177	352	27	.0	.0	NUM
cjfa-45177	352	28	00	00	NUM
cjfa-45177	352	29	50	50	NUM
cjfa-45177	352	30	2	2	NUM
cjfa-45177	352	31	)	)	PUNCT
cjfa-45177	352	32	(	(	PUNCT
cjfa-45177	352	33	0	0	NUM
cjfa-45177	352	34	.0	.0	NUM
cjfa-45177	352	35	00	00	NUM
cjfa-45177	352	36	51	51	NUM
cjfa-45177	352	37	2	2	NUM
cjfa-45177	352	38	)	)	PUNCT
cjfa-45177	352	39	(	(	PUNCT
cjfa-45177	352	40	0	0	NUM
cjfa-45177	352	41	.0	.0	NUM
cjfa-45177	352	42	00	00	NUM
cjfa-45177	352	43	44	44	NUM
cjfa-45177	352	44	1	1	NUM
cjfa-45177	352	45	)	)	PUNCT
cjfa-45177	352	46	(	(	PUNCT
cjfa-45177	352	47	0	0	NUM
cjfa-45177	352	48	.0	.0	NUM
cjfa-45177	352	49	00	00	NUM
cjfa-45177	352	50	67	67	NUM
cjfa-45177	352	51	7	7	NUM
cjfa-45177	352	52	)	)	PUNCT
cjfa-45177	352	53	(	(	PUNCT
cjfa-45177	352	54	0	0	NUM
cjfa-45177	352	55	.0	.0	NUM
cjfa-45177	352	56	00	00	NUM
cjfa-45177	352	57	87	87	NUM
cjfa-45177	352	58	3	3	NUM
cjfa-45177	352	59	)	)	PUNCT
cjfa-45177	352	60	(	(	PUNCT
cjfa-45177	352	61	0	0	NUM
cjfa-45177	352	62	.0	.0	NUM
cjfa-45177	352	63	00	00	NUM
cjfa-45177	352	64	86	86	NUM
cjfa-45177	352	65	7	7	NUM
cjfa-45177	352	66	)	)	PUNCT
cjfa-45177	352	67	(	(	PUNCT
cjfa-45177	352	68	0	0	NUM
cjfa-45177	352	69	.0	.0	NUM
cjfa-45177	352	70	00	00	NUM
cjfa-45177	352	71	45	45	NUM
cjfa-45177	352	72	2	2	NUM
cjfa-45177	352	73	)	)	PUNCT
cjfa-45177	352	74	(	(	PUNCT
cjfa-45177	352	75	0	0	NUM
cjfa-45177	352	76	.0	.0	NUM
cjfa-45177	352	77	00	00	NUM
cjfa-45177	352	78	48	48	NUM
cjfa-45177	352	79	1	1	NUM
cjfa-45177	352	80	)	)	PUNCT
cjfa-45177	352	81	(	(	PUNCT
cjfa-45177	352	82	0	0	NUM
cjfa-45177	352	83	.0	.0	NUM
cjfa-45177	352	84	00	00	NUM
cjfa-45177	352	85	55	55	NUM
cjfa-45177	352	86	5	5	NUM
cjfa-45177	352	87	)	)	PUNCT
cjfa-45177	352	88	(	(	PUNCT
cjfa-45177	352	89	0	0	NUM
cjfa-45177	352	90	.0	.0	NUM
cjfa-45177	352	91	00	00	NUM
cjfa-45177	352	92	52	52	NUM
cjfa-45177	352	93	4	4	NUM
cjfa-45177	352	94	)	)	PUNCT
cjfa-45177	352	95	(	(	PUNCT
cjfa-45177	352	96	0	0	NUM
cjfa-45177	352	97	.0	.0	NUM
cjfa-45177	352	98	00	00	NUM
cjfa-45177	352	99	52	52	NUM
cjfa-45177	352	100	1	1	NUM
cjfa-45177	352	101	)	)	PUNCT
cjfa-45177	352	102	(	(	PUNCT
cjfa-45177	352	103	0	0	NUM
cjfa-45177	352	104	.0	.0	NUM
cjfa-45177	352	105	00	00	NUM
cjfa-45177	352	106	51	51	NUM
cjfa-45177	352	107	6	6	NUM
cjfa-45177	352	108	)	)	PUNCT
cjfa-45177	353	1	em	em	PRON
cjfa-45177	353	2	pl	pl	X
cjfa-45177	353	3	oy	oy	PROPN
cjfa-45177	353	4	ab	ab	PROPN
cjfa-45177	353	5	ili	ili	PROPN
cjfa-45177	353	6	ty	ty	INTJ
cjfa-45177	353	7	le	le	X
cjfa-45177	353	8	ve	ve	VERB
cjfa-45177	353	9	l	l	NOUN
cjfa-45177	353	10	0	0	NUM
cjfa-45177	353	11	.	.	PUNCT
cjfa-45177	354	1	01	01	NUM
cjfa-45177	354	2	28	28	NUM
cjfa-45177	355	1	*	*	PUNCT
cjfa-45177	355	2	*	*	PUNCT
cjfa-45177	356	1	*	*	PUNCT
cjfa-45177	356	2	0	0	NUM
cjfa-45177	356	3	.	.	NUM
cjfa-45177	356	4	00	00	NUM
cjfa-45177	357	1	28	28	NUM
cjfa-45177	357	2	0	0	NUM
cjfa-45177	357	3	-0	-0	SYM
cjfa-45177	357	4	.0	.0	NUM
cjfa-45177	357	5	02	02	NUM
cjfa-45177	357	6	82	82	NUM
cjfa-45177	357	7	-0	-0	SYM
cjfa-45177	357	8	.0	.0	NUM
cjfa-45177	357	9	03	03	NUM
cjfa-45177	358	1	55	55	NUM
cjfa-45177	358	2	-0	-0	SYM
cjfa-45177	358	3	.0	.0	NUM
cjfa-45177	358	4	03	03	NUM
cjfa-45177	359	1	61	61	NUM
cjfa-45177	359	2	0	0	NUM
cjfa-45177	359	3	.	.	PUNCT
cjfa-45177	359	4	00	00	NUM
cjfa-45177	360	1	60	60	NUM
cjfa-45177	360	2	6	6	NUM
cjfa-45177	360	3	*	*	PUNCT
cjfa-45177	360	4	*	*	PUNCT
cjfa-45177	360	5	*	*	PUNCT
cjfa-45177	360	6	-0	-0	INTJ
cjfa-45177	360	7	.0	.0	NUM
cjfa-45177	360	8	02	02	NUM
cjfa-45177	360	9	15	15	NUM
cjfa-45177	360	10	-0	-0	SYM
cjfa-45177	360	11	.0	.0	NUM
cjfa-45177	360	12	01	01	NUM
cjfa-45177	360	13	57	57	NUM
cjfa-45177	360	14	-0	-0	SYM
cjfa-45177	360	15	.0	.0	NUM
cjfa-45177	360	16	01	01	NUM
cjfa-45177	360	17	81	81	NUM
cjfa-45177	360	18	-0	-0	SYM
cjfa-45177	360	19	.0	.0	NUM
cjfa-45177	360	20	02	02	NUM
cjfa-45177	360	21	96	96	NUM
cjfa-45177	360	22	0	0	NUM
cjfa-45177	360	23	.	.	PUNCT
cjfa-45177	361	1	02	02	NUM
cjfa-45177	361	2	73	73	NUM
cjfa-45177	362	1	*	*	PUNCT
cjfa-45177	362	2	*	*	PUNCT
cjfa-45177	363	1	*	*	PUNCT
cjfa-45177	363	2	0	0	NUM
cjfa-45177	363	3	.	.	NUM
cjfa-45177	363	4	00	00	NUM
cjfa-45177	364	1	41	41	NUM
cjfa-45177	364	2	9	9	NUM
cjfa-45177	364	3	-0	-0	SYM
cjfa-45177	364	4	.0	.0	NUM
cjfa-45177	364	5	08	08	NUM
cjfa-45177	364	6	21	21	NUM
cjfa-45177	364	7	-0	-0	SYM
cjfa-45177	364	8	.0	.0	NUM
cjfa-45177	364	9	07	07	NUM
cjfa-45177	364	10	90	90	NUM
cjfa-45177	364	11	-0	-0	SYM
cjfa-45177	364	12	.0	.0	NUM
cjfa-45177	364	13	07	07	NUM
cjfa-45177	364	14	13	13	NUM
cjfa-45177	364	15	(	(	PUNCT
cjfa-45177	364	16	0	0	NUM
cjfa-45177	364	17	.0	.0	NUM
cjfa-45177	364	18	03	03	NUM
cjfa-45177	364	19	97	97	NUM
cjfa-45177	364	20	)	)	PUNCT
cjfa-45177	365	1	(	(	PUNCT
cjfa-45177	365	2	0	0	NUM
cjfa-45177	365	3	.0	.0	NUM
cjfa-45177	365	4	04	04	NUM
cjfa-45177	365	5	51	51	NUM
cjfa-45177	365	6	)	)	PUNCT
cjfa-45177	365	7	(	(	PUNCT
cjfa-45177	365	8	0	0	NUM
cjfa-45177	365	9	.0	.0	NUM
cjfa-45177	365	10	04	04	NUM
cjfa-45177	365	11	02	02	NUM
cjfa-45177	365	12	)	)	PUNCT
cjfa-45177	365	13	(	(	PUNCT
cjfa-45177	365	14	0	0	NUM
cjfa-45177	365	15	.0	.0	NUM
cjfa-45177	365	16	04	04	NUM
cjfa-45177	365	17	06	06	NUM
cjfa-45177	365	18	)	)	PUNCT
cjfa-45177	365	19	(	(	PUNCT
cjfa-45177	365	20	0	0	NUM
cjfa-45177	365	21	.0	.0	NUM
cjfa-45177	365	22	03	03	NUM
cjfa-45177	365	23	86	86	NUM
cjfa-45177	365	24	)	)	PUNCT
cjfa-45177	365	25	(	(	PUNCT
cjfa-45177	365	26	0	0	NUM
cjfa-45177	365	27	.0	.0	NUM
cjfa-45177	365	28	01	01	NUM
cjfa-45177	365	29	10	10	NUM
cjfa-45177	365	30	)	)	PUNCT
cjfa-45177	365	31	(	(	PUNCT
cjfa-45177	365	32	0	0	NUM
cjfa-45177	365	33	.0	.0	NUM
cjfa-45177	365	34	01	01	NUM
cjfa-45177	365	35	84	84	NUM
cjfa-45177	365	36	)	)	PUNCT
cjfa-45177	365	37	(	(	PUNCT
cjfa-45177	365	38	0	0	NUM
cjfa-45177	365	39	.0	.0	NUM
cjfa-45177	365	40	01	01	NUM
cjfa-45177	365	41	47	47	NUM
cjfa-45177	365	42	)	)	PUNCT
cjfa-45177	365	43	(	(	PUNCT
cjfa-45177	365	44	0	0	NUM
cjfa-45177	365	45	.0	.0	NUM
cjfa-45177	365	46	02	02	NUM
cjfa-45177	365	47	15	15	NUM
cjfa-45177	365	48	)	)	PUNCT
cjfa-45177	365	49	(	(	PUNCT
cjfa-45177	365	50	0	0	NUM
cjfa-45177	365	51	.0	.0	NUM
cjfa-45177	365	52	02	02	NUM
cjfa-45177	365	53	38	38	NUM
cjfa-45177	365	54	)	)	PUNCT
cjfa-45177	365	55	(	(	PUNCT
cjfa-45177	365	56	0	0	NUM
cjfa-45177	365	57	.0	.0	NUM
cjfa-45177	365	58	06	06	NUM
cjfa-45177	365	59	15	15	NUM
cjfa-45177	365	60	)	)	PUNCT
cjfa-45177	365	61	(	(	PUNCT
cjfa-45177	365	62	0	0	NUM
cjfa-45177	365	63	.0	.0	NUM
cjfa-45177	365	64	08	08	NUM
cjfa-45177	365	65	01	01	NUM
cjfa-45177	365	66	)	)	PUNCT
cjfa-45177	365	67	(	(	PUNCT
cjfa-45177	365	68	0	0	NUM
cjfa-45177	365	69	.0	.0	NUM
cjfa-45177	365	70	08	08	NUM
cjfa-45177	365	71	93	93	NUM
cjfa-45177	365	72	)	)	PUNCT
cjfa-45177	365	73	(	(	PUNCT
cjfa-45177	365	74	0	0	NUM
cjfa-45177	365	75	.0	.0	NUM
cjfa-45177	365	76	08	08	NUM
cjfa-45177	365	77	86	86	NUM
cjfa-45177	365	78	)	)	PUNCT
cjfa-45177	365	79	(	(	PUNCT
cjfa-45177	365	80	0	0	NUM
cjfa-45177	365	81	.0	.0	NUM
cjfa-45177	365	82	08	08	NUM
cjfa-45177	365	83	80	80	NUM
cjfa-45177	365	84	)	)	PUNCT
cjfa-45177	365	85	le	le	X
cjfa-45177	366	1	ve	ve	AUX
cjfa-45177	366	2	l	l	NOUN
cjfa-45177	366	3	o	o	X
cjfa-45177	366	4	f	f	X
cjfa-45177	366	5	e	e	X
cjfa-45177	366	6	du	du	PROPN
cjfa-45177	366	7	ca	can	AUX
cjfa-45177	366	8	tio	tio	VERB
cjfa-45177	366	9	n	n	PROPN
cjfa-45177	366	10	0	0	NUM
cjfa-45177	366	11	.	.	PUNCT
cjfa-45177	366	12	00	00	NUM
cjfa-45177	367	1	05	05	NUM
cjfa-45177	368	1	14	14	NUM
cjfa-45177	368	2	0	0	NUM
cjfa-45177	368	3	.	.	PUNCT
cjfa-45177	368	4	00	00	NUM
cjfa-45177	369	1	03	03	NUM
cjfa-45177	369	2	06	06	NUM
cjfa-45177	369	3	0	0	NUM
cjfa-45177	369	4	.	.	PUNCT
cjfa-45177	369	5	00	00	NUM
cjfa-45177	370	1	04	04	NUM
cjfa-45177	371	1	01	01	NUM
cjfa-45177	371	2	0	0	NUM
cjfa-45177	371	3	.	.	PUNCT
cjfa-45177	371	4	00	00	NUM
cjfa-45177	372	1	04	04	NUM
cjfa-45177	372	2	09	09	NUM
cjfa-45177	372	3	0	0	NUM
cjfa-45177	372	4	.	.	PUNCT
cjfa-45177	372	5	00	00	NUM
cjfa-45177	373	1	14	14	NUM
cjfa-45177	373	2	0	0	NUM
cjfa-45177	373	3	*	*	PUNCT
cjfa-45177	374	1	*	*	PUNCT
cjfa-45177	374	2	*	*	PUNCT
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cjfa-45177	374	4	.	.	NUM
cjfa-45177	374	5	00	00	NUM
cjfa-45177	375	1	02	02	NUM
cjfa-45177	375	2	63	63	NUM
cjfa-45177	375	3	*	*	PUNCT
cjfa-45177	375	4	*	*	NOUN
cjfa-45177	375	5	0	0	NUM
cjfa-45177	375	6	.	.	NUM
cjfa-45177	375	7	00	00	NUM
cjfa-45177	376	1	02	02	NUM
cjfa-45177	376	2	86	86	NUM
cjfa-45177	377	1	*	*	PUNCT
cjfa-45177	378	1	*	*	PUNCT
cjfa-45177	379	1	-2	-2	INTJ
cjfa-45177	379	2	.0	.0	NUM
cjfa-45177	379	3	0e	0e	NOUN
cjfa-45177	379	4	-0	-0	PUNCT
cjfa-45177	379	5	5	5	NUM
cjfa-45177	379	6	0	0	NUM
cjfa-45177	379	7	.	.	PUNCT
cjfa-45177	379	8	00	00	NUM
cjfa-45177	380	1	03	03	NUM
cjfa-45177	380	2	21	21	NUM
cjfa-45177	380	3	0	0	NUM
cjfa-45177	380	4	.	.	PUNCT
cjfa-45177	380	5	00	00	NUM
cjfa-45177	381	1	01	01	NUM
cjfa-45177	381	2	18	18	NUM
cjfa-45177	381	3	0	0	NUM
cjfa-45177	381	4	.	.	PUNCT
cjfa-45177	381	5	00	00	NUM
cjfa-45177	382	1	01	01	NUM
cjfa-45177	382	2	51	51	NUM
cjfa-45177	382	3	9	9	NUM
cjfa-45177	382	4	.	.	PUNCT
cjfa-45177	382	5	55	55	NUM
cjfa-45177	382	6	e05	e05	X
cjfa-45177	382	7	(	(	PUNCT
cjfa-45177	382	8	0	0	NUM
cjfa-45177	382	9	.0	.0	NUM
cjfa-45177	382	10	00	00	NUM
cjfa-45177	382	11	37	37	NUM
cjfa-45177	382	12	5	5	NUM
cjfa-45177	382	13	)	)	PUNCT
cjfa-45177	382	14	(	(	PUNCT
cjfa-45177	382	15	0	0	NUM
cjfa-45177	382	16	.0	.0	NUM
cjfa-45177	382	17	00	00	NUM
cjfa-45177	382	18	33	33	NUM
cjfa-45177	382	19	2	2	NUM
cjfa-45177	382	20	)	)	PUNCT
cjfa-45177	382	21	(	(	PUNCT
cjfa-45177	382	22	0	0	NUM
cjfa-45177	382	23	.0	.0	NUM
cjfa-45177	382	24	00	00	NUM
cjfa-45177	382	25	33	33	NUM
cjfa-45177	382	26	5	5	NUM
cjfa-45177	382	27	)	)	PUNCT
cjfa-45177	382	28	(	(	PUNCT
cjfa-45177	382	29	0	0	NUM
cjfa-45177	382	30	.0	.0	NUM
cjfa-45177	382	31	00	00	NUM
cjfa-45177	382	32	33	33	NUM
cjfa-45177	382	33	3	3	NUM
cjfa-45177	382	34	)	)	PUNCT
cjfa-45177	382	35	(	(	PUNCT
cjfa-45177	382	36	0	0	NUM
cjfa-45177	382	37	.0	.0	NUM
cjfa-45177	382	38	00	00	NUM
cjfa-45177	382	39	14	14	NUM
cjfa-45177	382	40	8)	8)	NUM
cjfa-45177	382	41	(	(	PUNCT
cjfa-45177	382	42	0	0	NUM
cjfa-45177	382	43	.0	.0	NUM
cjfa-45177	382	44	00	00	NUM
cjfa-45177	382	45	11	11	NUM
cjfa-45177	382	46	2	2	NUM
cjfa-45177	382	47	)	)	PUNCT
cjfa-45177	382	48	(	(	PUNCT
cjfa-45177	382	49	0	0	NUM
cjfa-45177	382	50	.0	.0	NUM
cjfa-45177	382	51	00	00	NUM
cjfa-45177	382	52	10	10	NUM
cjfa-45177	382	53	6	6	NUM
cjfa-45177	382	54	)	)	PUNCT
cjfa-45177	382	55	(	(	PUNCT
cjfa-45177	382	56	9	9	NUM
cjfa-45177	382	57	.7	.7	NUM
cjfa-45177	382	58	1e	1e	NOUN
cjfa-45177	382	59	-0	-0	PROPN
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cjfa-45177	382	62	(	(	PUNCT
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cjfa-45177	382	65	00	00	NUM
cjfa-45177	382	66	50	50	NUM
cjfa-45177	382	67	1	1	NUM
cjfa-45177	382	68	)	)	PUNCT
cjfa-45177	382	69	(	(	PUNCT
cjfa-45177	382	70	0	0	NUM
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cjfa-45177	382	72	00	00	NUM
cjfa-45177	382	73	45	45	NUM
cjfa-45177	382	74	5	5	NUM
cjfa-45177	382	75	)	)	PUNCT
cjfa-45177	382	76	(	(	PUNCT
cjfa-45177	382	77	0	0	NUM
cjfa-45177	382	78	.0	.0	NUM
cjfa-45177	382	79	00	00	NUM
cjfa-45177	382	80	45	45	NUM
cjfa-45177	382	81	2	2	NUM
cjfa-45177	382	82	)	)	PUNCT
cjfa-45177	382	83	(	(	PUNCT
cjfa-45177	382	84	0	0	NUM
cjfa-45177	382	85	.0	.0	NUM
cjfa-45177	382	86	00	00	NUM
cjfa-45177	382	87	44	44	NUM
cjfa-45177	382	88	9	9	NUM
cjfa-45177	382	89	)	)	PUNCT
cjfa-45177	382	90	fu	fu	NOUN
cjfa-45177	382	91	nd	nd	ADP
cjfa-45177	382	92	s	s	PROPN
cjfa-45177	382	93	t	t	PROPN
cjfa-45177	382	94	ra	ra	PROPN
cjfa-45177	382	95	ns	ns	NUM
cjfa-45177	382	96	fe	fe	X
cjfa-45177	382	97	r	r	NOUN
cjfa-45177	382	98	-0	-0	PUNCT
cjfa-45177	382	99	.0	.0	NUM
cjfa-45177	382	100	03	03	NUM
cjfa-45177	382	101	89	89	NUM
cjfa-45177	382	102	*	*	PUNCT
cjfa-45177	382	103	*	*	PUNCT
cjfa-45177	382	104	-0	-0	INTJ
cjfa-45177	382	105	.0	.0	NUM
cjfa-45177	382	106	04	04	NUM
cjfa-45177	382	107	32	32	NUM
cjfa-45177	382	108	*	*	PUNCT
cjfa-45177	382	109	*	*	PUNCT
cjfa-45177	382	110	-0	-0	INTJ
cjfa-45177	382	111	.0	.0	NUM
cjfa-45177	382	112	04	04	NUM
cjfa-45177	383	1	26	26	NUM
cjfa-45177	383	2	*	*	PUNCT
cjfa-45177	383	3	*	*	PUNCT
cjfa-45177	383	4	-0	-0	INTJ
cjfa-45177	383	5	.0	.0	NUM
cjfa-45177	383	6	03	03	NUM
cjfa-45177	384	1	57	57	NUM
cjfa-45177	384	2	-0	-0	SYM
cjfa-45177	384	3	.0	.0	NUM
cjfa-45177	384	4	03	03	NUM
cjfa-45177	384	5	72	72	NUM
cjfa-45177	384	6	-0	-0	SYM
cjfa-45177	384	7	.0	.0	NUM
cjfa-45177	384	8	01	01	NUM
cjfa-45177	384	9	38	38	NUM
cjfa-45177	384	10	-0	-0	SYM
cjfa-45177	384	11	.0	.0	NUM
cjfa-45177	384	12	04	04	NUM
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cjfa-45177	385	2	*	*	PUNCT
cjfa-45177	385	3	-0	-0	PUNCT
cjfa-45177	385	4	.0	.0	NUM
cjfa-45177	385	5	04	04	NUM
cjfa-45177	385	6	11	11	NUM
cjfa-45177	385	7	*	*	PUNCT
cjfa-45177	385	8	-0	-0	PUNCT
cjfa-45177	386	1	.0	.0	NUM
cjfa-45177	386	2	03	03	NUM
cjfa-45177	387	1	92	92	NUM
cjfa-45177	387	2	*	*	PUNCT
cjfa-45177	387	3	(	(	PUNCT
cjfa-45177	387	4	0	0	NUM
cjfa-45177	387	5	.0	.0	NUM
cjfa-45177	387	6	01	01	NUM
cjfa-45177	387	7	94	94	NUM
cjfa-45177	387	8	)	)	PUNCT
cjfa-45177	388	1	(	(	PUNCT
cjfa-45177	388	2	0	0	NUM
cjfa-45177	388	3	.0	.0	NUM
cjfa-45177	388	4	01	01	NUM
cjfa-45177	388	5	93	93	NUM
cjfa-45177	388	6	)	)	PUNCT
cjfa-45177	388	7	(	(	PUNCT
cjfa-45177	388	8	0	0	NUM
cjfa-45177	388	9	.0	.0	NUM
cjfa-45177	388	10	01	01	NUM
cjfa-45177	388	11	93	93	NUM
cjfa-45177	388	12	)	)	PUNCT
cjfa-45177	388	13	(	(	PUNCT
cjfa-45177	388	14	0	0	NUM
cjfa-45177	388	15	.0	.0	NUM
cjfa-45177	388	16	02	02	NUM
cjfa-45177	388	17	95	95	NUM
cjfa-45177	388	18	)	)	PUNCT
cjfa-45177	388	19	(	(	PUNCT
cjfa-45177	388	20	0	0	NUM
cjfa-45177	388	21	.0	.0	NUM
cjfa-45177	388	22	03	03	NUM
cjfa-45177	388	23	22	22	NUM
cjfa-45177	388	24	)	)	PUNCT
cjfa-45177	388	25	(	(	PUNCT
cjfa-45177	388	26	0	0	NUM
cjfa-45177	388	27	.0	.0	NUM
cjfa-45177	388	28	03	03	NUM
cjfa-45177	388	29	06	06	NUM
cjfa-45177	388	30	)	)	PUNCT
cjfa-45177	388	31	(	(	PUNCT
cjfa-45177	388	32	0	0	NUM
cjfa-45177	388	33	.0	.0	NUM
cjfa-45177	388	34	02	02	NUM
cjfa-45177	388	35	30	30	NUM
cjfa-45177	388	36	)	)	PUNCT
cjfa-45177	388	37	(	(	PUNCT
cjfa-45177	388	38	0	0	NUM
cjfa-45177	388	39	.0	.0	NUM
cjfa-45177	388	40	02	02	NUM
cjfa-45177	388	41	29	29	NUM
cjfa-45177	388	42	)	)	PUNCT
cjfa-45177	388	43	(	(	PUNCT
cjfa-45177	388	44	0	0	NUM
cjfa-45177	388	45	.0	.0	NUM
cjfa-45177	388	46	02	02	NUM
cjfa-45177	388	47	27	27	NUM
cjfa-45177	388	48	)	)	PUNCT
cjfa-45177	388	49	in	in	ADP
cjfa-45177	388	50	te	te	PROPN
cjfa-45177	388	51	rn	rn	PROPN
cjfa-45177	388	52	et	et	PROPN
cjfa-45177	388	53	pe	pe	PROPN
cjfa-45177	388	54	ne	ne	PROPN
cjfa-45177	388	55	tr	tr	VERB
cjfa-45177	388	56	at	at	ADP
cjfa-45177	388	57	io	io	PROPN
cjfa-45177	388	58	n	n	X
cjfa-45177	388	59	le	le	X
cjfa-45177	388	60	ve	ve	VERB
cjfa-45177	388	61	l	l	NOUN
cjfa-45177	388	62	0	0	NUM
cjfa-45177	388	63	.	.	PUNCT
cjfa-45177	388	64	00	00	NUM
cjfa-45177	389	1	25	25	NUM
cjfa-45177	389	2	4	4	NUM
cjfa-45177	389	3	*	*	PUNCT
cjfa-45177	389	4	*	*	PUNCT
cjfa-45177	389	5	*	*	PUNCT
cjfa-45177	389	6	0	0	NUM
cjfa-45177	389	7	.	.	NOUN
cjfa-45177	389	8	00	00	NUM
cjfa-45177	390	1	24	24	NUM
cjfa-45177	390	2	9	9	NUM
cjfa-45177	390	3	*	*	PUNCT
cjfa-45177	390	4	*	*	PUNCT
cjfa-45177	390	5	*	*	NOUN
cjfa-45177	390	6	0	0	NUM
cjfa-45177	390	7	.	.	NOUN
cjfa-45177	390	8	00	00	NUM
cjfa-45177	391	1	25	25	NUM
cjfa-45177	391	2	1	1	NUM
cjfa-45177	391	3	*	*	PUNCT
cjfa-45177	391	4	*	*	PUNCT
cjfa-45177	391	5	*	*	NOUN
cjfa-45177	391	6	0	0	NUM
cjfa-45177	391	7	.	.	NUM
cjfa-45177	391	8	00	00	NUM
cjfa-45177	392	1	33	33	NUM
cjfa-45177	392	2	5	5	NUM
cjfa-45177	392	3	*	*	PUNCT
cjfa-45177	392	4	*	*	PUNCT
cjfa-45177	392	5	*	*	NOUN
cjfa-45177	392	6	0	0	NUM
cjfa-45177	392	7	.	.	NUM
cjfa-45177	392	8	00	00	NUM
cjfa-45177	393	1	33	33	NUM
cjfa-45177	393	2	4	4	NUM
cjfa-45177	393	3	*	*	PUNCT
cjfa-45177	393	4	*	*	PUNCT
cjfa-45177	393	5	*	*	PUNCT
cjfa-45177	393	6	0	0	NUM
cjfa-45177	393	7	.	.	NUM
cjfa-45177	393	8	00	00	NUM
cjfa-45177	394	1	32	32	NUM
cjfa-45177	394	2	1	1	NUM
cjfa-45177	394	3	*	*	PUNCT
cjfa-45177	394	4	*	*	PUNCT
cjfa-45177	394	5	*	*	PUNCT
cjfa-45177	394	6	0	0	NUM
cjfa-45177	394	7	.	.	NOUN
cjfa-45177	394	8	00	00	NUM
cjfa-45177	395	1	24	24	NUM
cjfa-45177	395	2	4	4	NUM
cjfa-45177	395	3	*	*	PUNCT
cjfa-45177	395	4	*	*	PUNCT
cjfa-45177	395	5	*	*	PUNCT
cjfa-45177	395	6	0	0	NUM
cjfa-45177	395	7	.	.	NUM
cjfa-45177	395	8	00	00	NUM
cjfa-45177	396	1	23	23	NUM
cjfa-45177	396	2	8	8	NUM
cjfa-45177	396	3	*	*	PUNCT
cjfa-45177	396	4	*	*	PUNCT
cjfa-45177	396	5	*	*	PUNCT
cjfa-45177	396	6	0	0	NUM
cjfa-45177	396	7	.	.	NUM
cjfa-45177	396	8	00	00	NUM
cjfa-45177	397	1	23	23	NUM
cjfa-45177	397	2	9	9	NUM
cjfa-45177	397	3	*	*	PUNCT
cjfa-45177	397	4	*	*	PUNCT
cjfa-45177	397	5	*	*	PUNCT
cjfa-45177	397	6	(	(	PUNCT
cjfa-45177	397	7	0	0	NUM
cjfa-45177	397	8	.0	.0	NUM
cjfa-45177	397	9	00	00	NUM
cjfa-45177	397	10	30	30	NUM
cjfa-45177	397	11	6	6	NUM
cjfa-45177	397	12	)	)	PUNCT
cjfa-45177	397	13	(	(	PUNCT
cjfa-45177	397	14	0	0	NUM
cjfa-45177	397	15	.0	.0	NUM
cjfa-45177	397	16	00	00	NUM
cjfa-45177	397	17	30	30	NUM
cjfa-45177	397	18	3	3	NUM
cjfa-45177	397	19	)	)	PUNCT
cjfa-45177	397	20	(	(	PUNCT
cjfa-45177	397	21	0	0	NUM
cjfa-45177	397	22	.0	.0	NUM
cjfa-45177	397	23	00	00	NUM
cjfa-45177	397	24	30	30	NUM
cjfa-45177	397	25	6	6	NUM
cjfa-45177	397	26	)	)	PUNCT
cjfa-45177	397	27	(	(	PUNCT
cjfa-45177	397	28	0	0	NUM
cjfa-45177	397	29	.0	.0	NUM
cjfa-45177	397	30	00	00	NUM
cjfa-45177	397	31	36	36	NUM
cjfa-45177	397	32	2	2	NUM
cjfa-45177	397	33	)	)	PUNCT
cjfa-45177	397	34	(	(	PUNCT
cjfa-45177	397	35	0	0	NUM
cjfa-45177	397	36	.0	.0	NUM
cjfa-45177	397	37	00	00	NUM
cjfa-45177	397	38	35	35	NUM
cjfa-45177	397	39	2	2	NUM
cjfa-45177	397	40	)	)	PUNCT
cjfa-45177	397	41	(	(	PUNCT
cjfa-45177	397	42	0	0	NUM
cjfa-45177	397	43	.0	.0	NUM
cjfa-45177	397	44	00	00	NUM
cjfa-45177	397	45	49	49	NUM
cjfa-45177	397	46	6	6	NUM
cjfa-45177	397	47	)	)	PUNCT
cjfa-45177	397	48	(	(	PUNCT
cjfa-45177	397	49	0	0	NUM
cjfa-45177	397	50	.0	.0	NUM
cjfa-45177	397	51	00	00	NUM
cjfa-45177	397	52	33	33	NUM
cjfa-45177	397	53	1	1	NUM
cjfa-45177	397	54	)	)	PUNCT
cjfa-45177	397	55	(	(	PUNCT
cjfa-45177	397	56	0	0	NUM
cjfa-45177	397	57	.0	.0	NUM
cjfa-45177	397	58	00	00	NUM
cjfa-45177	397	59	33	33	NUM
cjfa-45177	397	60	0	0	NUM
cjfa-45177	397	61	)	)	PUNCT
cjfa-45177	397	62	(	(	PUNCT
cjfa-45177	397	63	0	0	NUM
cjfa-45177	397	64	.0	.0	NUM
cjfa-45177	397	65	00	00	NUM
cjfa-45177	397	66	32	32	NUM
cjfa-45177	397	67	7	7	NUM
cjfa-45177	397	68	)	)	PUNCT
cjfa-45177	397	69	fi	fi	NOUN
cjfa-45177	397	70	gh	gh	PROPN
cjfa-45177	397	71	t	t	PROPN
cjfa-45177	397	72	a	a	DET
cjfa-45177	397	73	ga	ga	PROPN
cjfa-45177	397	74	in	in	ADP
cjfa-45177	397	75	st	st	PROPN
cjfa-45177	397	76	co	co	PROPN
cjfa-45177	397	77	rr	rr	PROPN
cjfa-45177	397	78	up	up	ADP
cjfa-45177	397	79	tio	tio	PROPN
cjfa-45177	397	80	n	n	PROPN
cjfa-45177	397	81	0	0	NUM
cjfa-45177	397	82	.	.	PUNCT
cjfa-45177	398	1	51	51	NUM
cjfa-45177	398	2	2	2	NUM
cjfa-45177	398	3	*	*	SYM
cjfa-45177	398	4	*	*	NOUN
cjfa-45177	398	5	0	0	X
cjfa-45177	398	6	.	.	X
cjfa-45177	398	7	51	51	NUM
cjfa-45177	398	8	3	3	NUM
cjfa-45177	398	9	*	*	SYM
cjfa-45177	398	10	*	*	PUNCT
cjfa-45177	398	11	0	0	NUM
cjfa-45177	398	12	.	.	NOUN
cjfa-45177	398	13	04	04	NUM
cjfa-45177	399	1	56	56	NUM
cjfa-45177	399	2	0	0	NUM
cjfa-45177	399	3	.	.	NOUN
cjfa-45177	400	1	24	24	NUM
cjfa-45177	400	2	4	4	NUM
cjfa-45177	400	3	0	0	NUM
cjfa-45177	400	4	.	.	PUNCT
cjfa-45177	401	1	54	54	NUM
cjfa-45177	401	2	0	0	SYM
cjfa-45177	401	3	*	*	SYM
cjfa-45177	401	4	0	0	NUM
cjfa-45177	401	5	.	.	NOUN
cjfa-45177	401	6	52	52	NUM
cjfa-45177	401	7	2	2	NUM
cjfa-45177	401	8	*	*	SYM
cjfa-45177	401	9	(	(	PUNCT
cjfa-45177	401	10	0	0	NUM
cjfa-45177	401	11	.2	.2	NUM
cjfa-45177	401	12	55	55	NUM
cjfa-45177	401	13	)	)	PUNCT
cjfa-45177	401	14	(	(	PUNCT
cjfa-45177	401	15	0	0	NUM
cjfa-45177	401	16	.2	.2	NUM
cjfa-45177	401	17	56	56	NUM
cjfa-45177	401	18	)	)	PUNCT
cjfa-45177	401	19	(	(	PUNCT
cjfa-45177	401	20	0	0	NUM
cjfa-45177	401	21	.1	.1	NUM
cjfa-45177	401	22	66	66	NUM
cjfa-45177	401	23	)	)	PUNCT
cjfa-45177	401	24	(	(	PUNCT
cjfa-45177	401	25	0	0	NUM
cjfa-45177	402	1	.2	.2	NUM
cjfa-45177	402	2	03	03	NUM
cjfa-45177	402	3	)	)	PUNCT
cjfa-45177	402	4	(	(	PUNCT
cjfa-45177	402	5	0	0	NUM
cjfa-45177	402	6	.3	.3	NUM
cjfa-45177	402	7	11	11	NUM
cjfa-45177	402	8	)	)	PUNCT
cjfa-45177	402	9	(	(	PUNCT
cjfa-45177	402	10	0	0	NUM
cjfa-45177	402	11	.3	.3	NUM
cjfa-45177	402	12	08	08	NUM
cjfa-45177	402	13	)	)	PUNCT
cjfa-45177	402	14	co	co	AUX
cjfa-45177	402	15	un	un	PROPN
cjfa-45177	402	16	tr	tr	PROPN
cjfa-45177	402	17	y	y	PROPN
cjfa-45177	402	18	st	st	PROPN
cjfa-45177	402	19	ab	ab	PROPN
cjfa-45177	402	20	ili	ili	PROPN
cjfa-45177	402	21	ty	ty	INTJ
cjfa-45177	402	22	le	le	INTJ
cjfa-45177	402	23	ve	ve	VERB
cjfa-45177	402	24	l	l	NOUN
cjfa-45177	402	25	6	6	NUM
cjfa-45177	402	26	.	.	X
cjfa-45177	402	27	79	79	NUM
cjfa-45177	402	28	e05	e05	ADJ
cjfa-45177	402	29	0	0	NUM
cjfa-45177	402	30	.	.	PUNCT
cjfa-45177	402	31	00	00	NUM
cjfa-45177	403	1	08	08	NUM
cjfa-45177	404	1	25	25	NUM
cjfa-45177	404	2	*	*	PUNCT
cjfa-45177	404	3	*	*	NOUN
cjfa-45177	404	4	0	0	NUM
cjfa-45177	404	5	.	.	NUM
cjfa-45177	404	6	00	00	NUM
cjfa-45177	404	7	05	05	NUM
cjfa-45177	404	8	85	85	NUM
cjfa-45177	404	9	*	*	PUNCT
cjfa-45177	404	10	(	(	PUNCT
cjfa-45177	404	11	0	0	NUM
cjfa-45177	404	12	.0	.0	NUM
cjfa-45177	404	13	00	00	NUM
cjfa-45177	404	14	24	24	NUM
cjfa-45177	404	15	1	1	NUM
cjfa-45177	404	16	)	)	PUNCT
cjfa-45177	404	17	(	(	PUNCT
cjfa-45177	404	18	0	0	NUM
cjfa-45177	404	19	.0	.0	NUM
cjfa-45177	404	20	00	00	NUM
cjfa-45177	404	21	28	28	NUM
cjfa-45177	404	22	6	6	NUM
cjfa-45177	404	23	)	)	PUNCT
cjfa-45177	404	24	(	(	PUNCT
cjfa-45177	404	25	0	0	NUM
cjfa-45177	404	26	.0	.0	NUM
cjfa-45177	404	27	00	00	NUM
cjfa-45177	404	28	33	33	NUM
cjfa-45177	404	29	1	1	NUM
cjfa-45177	404	30	)	)	PUNCT
cjfa-45177	404	31	co	co	VERB
cjfa-45177	404	32	ns	ns	VERB
cjfa-45177	404	33	ta	ta	PROPN
cjfa-45177	404	34	nt	not	PART
cjfa-45177	404	35	-0	-0	PROPN
cjfa-45177	404	36	.1	.1	NUM
cjfa-45177	404	37	17	17	NUM
cjfa-45177	404	38	*	*	PUNCT
cjfa-45177	404	39	*	*	PUNCT
cjfa-45177	405	1	*	*	PUNCT
cjfa-45177	405	2	-0	-0	PUNCT
cjfa-45177	405	3	.1	.1	NUM
cjfa-45177	405	4	31	31	NUM
cjfa-45177	406	1	*	*	PUNCT
cjfa-45177	406	2	*	*	PUNCT
cjfa-45177	406	3	*	*	PUNCT
cjfa-45177	406	4	-0	-0	PUNCT
cjfa-45177	406	5	.1	.1	NUM
cjfa-45177	407	1	47	47	NUM
cjfa-45177	408	1	*	*	PUNCT
cjfa-45177	408	2	*	*	PUNCT
cjfa-45177	408	3	*	*	PUNCT
cjfa-45177	408	4	-0	-0	INTJ
cjfa-45177	408	5	.0	.0	NUM
cjfa-45177	408	6	35	35	NUM
cjfa-45177	408	7	5	5	NUM
cjfa-45177	408	8	0	0	NUM
cjfa-45177	408	9	.	.	PUNCT
cjfa-45177	409	1	05	05	NUM
cjfa-45177	410	1	27	27	NUM
cjfa-45177	410	2	0	0	NUM
cjfa-45177	410	3	.	.	PUNCT
cjfa-45177	411	1	05	05	NUM
cjfa-45177	412	1	01	01	NUM
cjfa-45177	412	2	-0	-0	SYM
cjfa-45177	412	3	.0	.0	NUM
cjfa-45177	412	4	95	95	NUM
cjfa-45177	413	1	3	3	NUM
cjfa-45177	413	2	*	*	PUNCT
cjfa-45177	413	3	*	*	PUNCT
cjfa-45177	413	4	*	*	PUNCT
cjfa-45177	413	5	-0	-0	PUNCT
cjfa-45177	413	6	.1	.1	NUM
cjfa-45177	413	7	03	03	NUM
cjfa-45177	414	1	*	*	PUNCT
cjfa-45177	414	2	*	*	PUNCT
cjfa-45177	414	3	*	*	PUNCT
cjfa-45177	414	4	-0	-0	PUNCT
cjfa-45177	414	5	.1	.1	NUM
cjfa-45177	414	6	46	46	NUM
cjfa-45177	415	1	*	*	PUNCT
cjfa-45177	415	2	*	*	PUNCT
cjfa-45177	415	3	*	*	PUNCT
cjfa-45177	415	4	-0	-0	INTJ
cjfa-45177	415	5	.0	.0	NUM
cjfa-45177	416	1	33	33	NUM
cjfa-45177	416	2	6	6	NUM
cjfa-45177	416	3	-0	-0	SYM
cjfa-45177	416	4	.0	.0	NUM
cjfa-45177	416	5	24	24	NUM
cjfa-45177	416	6	2	2	NUM
cjfa-45177	416	7	-0	-0	SYM
cjfa-45177	416	8	.0	.0	NUM
cjfa-45177	416	9	41	41	NUM
cjfa-45177	416	10	2	2	NUM
cjfa-45177	416	11	-0	-0	SYM
cjfa-45177	416	12	.1	.1	NUM
cjfa-45177	416	13	28	28	NUM
cjfa-45177	417	1	*	*	PUNCT
cjfa-45177	417	2	*	*	PUNCT
cjfa-45177	417	3	*	*	PUNCT
cjfa-45177	417	4	-0	-0	PUNCT
cjfa-45177	417	5	.1	.1	NUM
cjfa-45177	417	6	74	74	NUM
cjfa-45177	418	1	*	*	PUNCT
cjfa-45177	418	2	*	*	PUNCT
cjfa-45177	418	3	*	*	PUNCT
cjfa-45177	418	4	-0	-0	PUNCT
cjfa-45177	418	5	.1	.1	NUM
cjfa-45177	418	6	49	49	NUM
cjfa-45177	419	1	*	*	PUNCT
cjfa-45177	419	2	*	*	PUNCT
cjfa-45177	419	3	*	*	PUNCT
cjfa-45177	419	4	-0	-0	INTJ
cjfa-45177	419	5	.0	.0	NUM
cjfa-45177	419	6	11	11	NUM
cjfa-45177	419	7	1	1	NUM
cjfa-45177	419	8	0	0	NUM
cjfa-45177	419	9	.	.	PUNCT
cjfa-45177	420	1	07	07	NUM
cjfa-45177	420	2	33	33	NUM
cjfa-45177	420	3	0	0	NUM
cjfa-45177	420	4	.	.	PUNCT
cjfa-45177	420	5	09	09	NUM
cjfa-45177	420	6	13	13	NUM
cjfa-45177	420	7	(	(	PUNCT
cjfa-45177	420	8	0	0	NUM
cjfa-45177	420	9	.0	.0	NUM
cjfa-45177	420	10	13	13	NUM
cjfa-45177	420	11	1	1	NUM
cjfa-45177	420	12	)	)	PUNCT
cjfa-45177	420	13	(	(	PUNCT
cjfa-45177	420	14	0	0	NUM
cjfa-45177	420	15	.0	.0	NUM
cjfa-45177	420	16	14	14	NUM
cjfa-45177	420	17	6	6	NUM
cjfa-45177	420	18	)	)	PUNCT
cjfa-45177	420	19	(	(	PUNCT
cjfa-45177	420	20	0	0	NUM
cjfa-45177	420	21	.0	.0	NUM
cjfa-45177	420	22	15	15	NUM
cjfa-45177	420	23	7	7	NUM
cjfa-45177	420	24	)	)	PUNCT
cjfa-45177	420	25	(	(	PUNCT
cjfa-45177	420	26	0	0	NUM
cjfa-45177	420	27	.0	.0	NUM
cjfa-45177	420	28	39	39	NUM
cjfa-45177	420	29	8)	8)	NUM
cjfa-45177	420	30	(	(	PUNCT
cjfa-45177	420	31	0	0	NUM
cjfa-45177	420	32	.0	.0	NUM
cjfa-45177	420	33	59	59	NUM
cjfa-45177	420	34	0	0	NUM
cjfa-45177	420	35	)	)	PUNCT
cjfa-45177	420	36	(	(	PUNCT
cjfa-45177	420	37	0	0	NUM
cjfa-45177	420	38	.0	.0	NUM
cjfa-45177	420	39	58	58	NUM
cjfa-45177	420	40	8)	8)	NUM
cjfa-45177	420	41	(	(	PUNCT
cjfa-45177	420	42	0	0	NUM
cjfa-45177	420	43	.0	.0	NUM
cjfa-45177	420	44	06	06	NUM
cjfa-45177	420	45	78	78	NUM
cjfa-45177	420	46	)	)	PUNCT
cjfa-45177	420	47	(	(	PUNCT
cjfa-45177	420	48	0	0	NUM
cjfa-45177	420	49	.0	.0	NUM
cjfa-45177	420	50	04	04	NUM
cjfa-45177	420	51	81	81	NUM
cjfa-45177	420	52	)	)	PUNCT
cjfa-45177	420	53	(	(	PUNCT
cjfa-45177	420	54	0	0	NUM
cjfa-45177	420	55	.0	.0	NUM
cjfa-45177	420	56	07	07	NUM
cjfa-45177	420	57	31	31	NUM
cjfa-45177	420	58	)	)	PUNCT
cjfa-45177	420	59	(	(	PUNCT
cjfa-45177	420	60	0	0	NUM
cjfa-45177	420	61	.0	.0	NUM
cjfa-45177	420	62	50	50	NUM
cjfa-45177	420	63	5	5	NUM
cjfa-45177	420	64	)	)	PUNCT
cjfa-45177	420	65	(	(	PUNCT
cjfa-45177	420	66	0	0	NUM
cjfa-45177	420	67	.0	.0	NUM
cjfa-45177	420	68	73	73	NUM
cjfa-45177	420	69	8)	8)	NUM
cjfa-45177	420	70	(	(	PUNCT
cjfa-45177	420	71	0	0	NUM
cjfa-45177	420	72	.0	.0	NUM
cjfa-45177	420	73	57	57	NUM
cjfa-45177	420	74	7	7	NUM
cjfa-45177	420	75	)	)	PUNCT
cjfa-45177	420	76	(	(	PUNCT
cjfa-45177	420	77	0	0	NUM
cjfa-45177	420	78	.0	.0	NUM
cjfa-45177	420	79	13	13	NUM
cjfa-45177	420	80	1	1	NUM
cjfa-45177	420	81	)	)	PUNCT
cjfa-45177	420	82	(	(	PUNCT
cjfa-45177	420	83	0	0	NUM
cjfa-45177	420	84	.0	.0	NUM
cjfa-45177	420	85	17	17	NUM
cjfa-45177	420	86	7	7	NUM
cjfa-45177	420	87	)	)	PUNCT
cjfa-45177	420	88	(	(	PUNCT
cjfa-45177	420	89	0	0	NUM
cjfa-45177	420	90	.0	.0	NUM
cjfa-45177	420	91	22	22	NUM
cjfa-45177	420	92	7	7	NUM
cjfa-45177	420	93	)	)	PUNCT
cjfa-45177	420	94	(	(	PUNCT
cjfa-45177	420	95	0	0	NUM
cjfa-45177	420	96	.0	.0	NUM
cjfa-45177	420	97	48	48	NUM
cjfa-45177	420	98	1	1	NUM
cjfa-45177	420	99	)	)	PUNCT
cjfa-45177	420	100	(	(	PUNCT
cjfa-45177	420	101	0	0	NUM
cjfa-45177	420	102	.0	.0	NUM
cjfa-45177	420	103	68	68	NUM
cjfa-45177	420	104	1	1	NUM
cjfa-45177	420	105	)	)	PUNCT
cjfa-45177	420	106	(	(	PUNCT
cjfa-45177	420	107	0	0	NUM
cjfa-45177	420	108	.0	.0	NUM
cjfa-45177	420	109	68	68	NUM
cjfa-45177	420	110	2	2	NUM
cjfa-45177	420	111	)	)	PUNCT
cjfa-45177	420	112	o	o	NOUN
cjfa-45177	421	1	bs	bs	INTJ
cjfa-45177	421	2	er	er	INTJ
cjfa-45177	421	3	va	va	NOUN
cjfa-45177	421	4	tio	tio	PROPN
cjfa-45177	421	5	ns	ns	NUM
cjfa-45177	421	6	33	33	NUM
cjfa-45177	421	7	5	5	NUM
cjfa-45177	421	8	30	30	NUM
cjfa-45177	421	9	7	7	NUM
cjfa-45177	421	10	18	18	NUM
cjfa-45177	421	11	1	1	NUM
cjfa-45177	421	12	15	15	NUM
cjfa-45177	421	13	3	3	NUM
cjfa-45177	421	14	15	15	NUM
cjfa-45177	421	15	3	3	NUM
cjfa-45177	421	16	15	15	NUM
cjfa-45177	421	17	3	3	NUM
cjfa-45177	421	18	33	33	NUM
cjfa-45177	421	19	5	5	NUM
cjfa-45177	421	20	30	30	NUM
cjfa-45177	421	21	7	7	NUM
cjfa-45177	421	22	18	18	NUM
cjfa-45177	421	23	1	1	NUM
cjfa-45177	421	24	15	15	NUM
cjfa-45177	421	25	3	3	NUM
cjfa-45177	421	26	15	15	NUM
cjfa-45177	421	27	3	3	NUM
cjfa-45177	421	28	15	15	NUM
cjfa-45177	421	29	3	3	NUM
cjfa-45177	421	30	33	33	NUM
cjfa-45177	421	31	5	5	NUM
cjfa-45177	421	32	30	30	NUM
cjfa-45177	421	33	7	7	NUM
cjfa-45177	421	34	18	18	NUM
cjfa-45177	421	35	1	1	NUM
cjfa-45177	421	36	15	15	NUM
cjfa-45177	421	37	3	3	NUM
cjfa-45177	421	38	15	15	NUM
cjfa-45177	421	39	3	3	NUM
cjfa-45177	421	40	15	15	NUM
cjfa-45177	421	41	3	3	NUM
cjfa-45177	421	42	rsq	rsq	VERB
cjfa-45177	421	43	ua	ua	PROPN
cjfa-45177	421	44	re	re	PROPN
cjfa-45177	421	45	d	d	PROPN
cjfa-45177	421	46	0	0	PROPN
cjfa-45177	421	47	.	.	PROPN
cjfa-45177	421	48	35	35	NUM
cjfa-45177	421	49	3	3	NUM
cjfa-45177	421	50	0	0	NUM
cjfa-45177	421	51	.	.	PUNCT
cjfa-45177	422	1	37	37	NUM
cjfa-45177	422	2	1	1	NUM
cjfa-45177	422	3	0	0	NUM
cjfa-45177	422	4	.	.	PUNCT
cjfa-45177	423	1	62	62	NUM
cjfa-45177	423	2	1	1	NUM
cjfa-45177	423	3	0	0	NUM
cjfa-45177	423	4	.	.	PUNCT
cjfa-45177	424	1	77	77	NUM
cjfa-45177	424	2	3	3	NUM
cjfa-45177	424	3	0	0	NUM
cjfa-45177	424	4	.	.	PUNCT
cjfa-45177	425	1	77	77	NUM
cjfa-45177	425	2	3	3	NUM
cjfa-45177	425	3	0	0	NUM
cjfa-45177	425	4	.	.	PUNCT
cjfa-45177	425	5	80	80	NUM
cjfa-45177	425	6	4	4	NUM
cjfa-45177	425	7	0	0	NUM
cjfa-45177	425	8	.	.	NOUN
cjfa-45177	425	9	24	24	NUM
cjfa-45177	425	10	7	7	NUM
cjfa-45177	425	11	0	0	NUM
cjfa-45177	425	12	.	.	NOUN
cjfa-45177	425	13	29	29	NUM
cjfa-45177	425	14	6	6	NUM
cjfa-45177	425	15	0	0	NUM
cjfa-45177	425	16	.	.	PUNCT
cjfa-45177	426	1	42	42	NUM
cjfa-45177	426	2	1	1	NUM
cjfa-45177	426	3	0	0	NUM
cjfa-45177	426	4	.	.	PUNCT
cjfa-45177	427	1	62	62	NUM
cjfa-45177	427	2	3	3	NUM
cjfa-45177	427	3	0	0	NUM
cjfa-45177	427	4	.	.	PUNCT
cjfa-45177	428	1	63	63	NUM
cjfa-45177	428	2	2	2	NUM
cjfa-45177	428	3	0	0	NUM
cjfa-45177	428	4	.	.	NOUN
cjfa-45177	428	5	64	64	NUM
cjfa-45177	428	6	1	1	NUM
cjfa-45177	428	7	n	n	NUM
cjfa-45177	428	8	um	um	INTJ
cjfa-45177	428	9	be	be	AUX
cjfa-45177	428	10	r	r	NOUN
cjfa-45177	429	1	o	o	NOUN
cjfa-45177	430	1	f	f	X
cjfa-45177	431	1	i	i	NOUN
cjfa-45177	431	2	d	d	PROPN
cjfa-45177	431	3	35	35	NUM
cjfa-45177	431	4	35	35	NUM
cjfa-45177	431	5	29	29	NUM
cjfa-45177	431	6	27	27	NUM
cjfa-45177	431	7	27	27	NUM
cjfa-45177	431	8	27	27	NUM
cjfa-45177	431	9	35	35	NUM
cjfa-45177	431	10	35	35	NUM
cjfa-45177	431	11	29	29	NUM
cjfa-45177	431	12	27	27	NUM
cjfa-45177	431	13	27	27	NUM
cjfa-45177	432	1	27	27	NUM
cjfa-45177	432	2	s	s	NOUN
cjfa-45177	432	3	o	o	X
cjfa-45177	432	4	u	u	NOUN
cjfa-45177	432	5	rc	rc	PROPN
cjfa-45177	432	6	e	e	PROPN
cjfa-45177	432	7	:	:	PUNCT
cjfa-45177	432	8	t	t	PROPN
cjfa-45177	432	9	ab	ab	PROPN
cjfa-45177	432	10	le	le	PROPN
cjfa-45177	433	1	d	d	X
cjfa-45177	433	2	ra	ra	PROPN
cjfa-45177	433	3	w	w	PROPN
cjfa-45177	433	4	n	n	PROPN
cjfa-45177	433	5	by	by	ADP
cjfa-45177	433	6	th	th	ADP
cjfa-45177	433	7	e	e	X
cjfa-45177	433	8	au	au	X
cjfa-45177	433	9	th	th	X
cjfa-45177	433	10	or	or	CCONJ
cjfa-45177	433	11	s	s	X
cjfa-45177	433	12	u	u	NOUN
cjfa-45177	433	13	si	si	PROPN
cjfa-45177	433	14	ng	ng	PROPN
cjfa-45177	433	15	s	s	PROPN
cjfa-45177	433	16	ta	ta	X
cjfa-45177	433	17	ta	ta	X
cjfa-45177	433	18	v	v	ADP
cjfa-45177	433	19	15	15	NUM
cjfa-45177	433	20	.	.	PUNCT
cjfa-45177	434	1	ta	ta	X
cjfa-45177	434	2	bl	bl	PROPN
cjfa-45177	434	3	e	e	PROPN
cjfa-45177	434	4	3	3	X
cjfa-45177	434	5	.	.	PUNCT
cjfa-45177	435	1	r	r	AUX
cjfa-45177	435	2	ob	ob	NOUN
cjfa-45177	435	3	us	us	PROPN
cjfa-45177	435	4	tn	tn	PROPN
cjfa-45177	435	5	es	es	NOUN
cjfa-45177	435	6	s	s	PROPN
cjfa-45177	435	7	t	t	NOUN
cjfa-45177	435	8	es	es	X
cjfa-45177	435	9	t	t	PROPN
cjfa-45177	435	10	b	b	PROPN
cjfa-45177	435	11	y	y	PROPN
cjfa-45177	435	12	in	in	ADP
cjfa-45177	435	13	te	te	PROPN
cjfa-45177	435	14	gr	gr	NOUN
cjfa-45177	435	15	at	at	ADP
cjfa-45177	435	16	io	io	PROPN
cjfa-45177	435	17	n	n	ADP
cjfa-45177	435	18	of	of	ADP
cjfa-45177	435	19	a	a	DET
cjfa-45177	435	20	dd	dd	PROPN
cjfa-45177	435	21	iti	iti	PROPN
cjfa-45177	435	22	on	on	ADP
cjfa-45177	435	23	al	al	PROPN
cjfa-45177	435	24	v	v	PROPN
cjfa-45177	435	25	ar	ar	PROPN
cjfa-45177	435	26	ia	ia	PROPN
cjfa-45177	435	27	bl	bl	PROPN
cjfa-45177	435	28	es	es	PROPN
cjfa-45177	435	29	wulli	wulli	PROPN
cjfa-45177	435	30	faustin	faustin	NOUN
cjfa-45177	435	31	djoufouet	djoufouet	PROPN
cjfa-45177	435	32	,	,	PUNCT
cjfa-45177	435	33	thierry	thierry	NOUN
cjfa-45177	435	34	messie	messie	PROPN
cjfa-45177	435	35	pondie8282	pondie8282	PROPN
cjfa-45177	435	36	ta	ta	PROPN
cjfa-45177	435	37	bl	bl	VERB
cjfa-45177	435	38	e	e	PROPN
cjfa-45177	435	39	4	4	NUM
cjfa-45177	435	40	.	.	PUNCT
cjfa-45177	435	41	t	t	PROPN
cjfa-45177	435	42	ak	ak	PROPN
cjfa-45177	435	43	in	in	ADP
cjfa-45177	435	44	g	g	NOUN
cjfa-45177	435	45	in	in	ADP
cjfa-45177	435	46	to	to	ADP
cjfa-45177	435	47	a	a	DET
cjfa-45177	435	48	cc	cc	NOUN
cjfa-45177	435	49	ou	ou	NOUN
cjfa-45177	435	50	nt	not	PART
cjfa-45177	435	51	e	e	PROPN
cjfa-45177	435	52	nd	nd	ADV
cjfa-45177	435	53	og	og	INTJ
cjfa-45177	435	54	en	en	ADP
cjfa-45177	435	55	ei	ei	X
cjfa-45177	435	56	ty	ty	INTJ
cjfa-45177	435	57	a	a	PRON
cjfa-45177	435	58	nd	nd	INTJ
cjfa-45177	435	59	h	h	NOUN
cjfa-45177	435	60	et	et	NOUN
cjfa-45177	435	61	er	er	INTJ
cjfa-45177	435	62	os	os	PROPN
cjfa-45177	435	63	ce	ce	PROPN
cjfa-45177	435	64	da	da	PROPN
cjfa-45177	435	65	st	st	PROPN
cjfa-45177	436	1	ic	ic	INTJ
cjfa-45177	436	2	it	it	PRON
cjfa-45177	436	3	y	y	INTJ
cjfa-45177	436	4	pr	pr	VERB
cjfa-45177	436	5	ob	ob	X
cjfa-45177	436	6	le	le	X
cjfa-45177	436	7	m	m	PROPN
cjfa-45177	436	8	s	s	PROPN
cjfa-45177	436	9	v	v	PROPN
cjfa-45177	436	10	ar	ar	PROPN
cjfa-45177	436	11	ia	ia	PROPN
cjfa-45177	436	12	bl	bl	PROPN
cjfa-45177	436	13	es	es	PROPN
cjfa-45177	436	14	fi	fi	PROPN
cjfa-45177	436	15	na	na	PROPN
cjfa-45177	436	16	nc	nc	PROPN
cjfa-45177	436	17	ia	ia	PROPN
cjfa-45177	437	1	l	l	PROPN
cjfa-45177	438	1	i	i	PRON
cjfa-45177	438	2	nc	nc	PROPN
cjfa-45177	438	3	lu	lu	PROPN
cjfa-45177	438	4	si	si	X
cjfa-45177	438	5	on	on	ADV
cjfa-45177	438	6	in	in	ADP
cjfa-45177	438	7	de	de	ADP
cjfa-45177	438	8	x	x	SYM
cjfa-45177	438	9	2s	2s	X
cjfa-45177	438	10	ls	ls	X
cjfa-45177	438	11	le	le	X
cjfa-45177	438	12	w	w	X
cjfa-45177	438	13	be	be	PROPN
cjfa-45177	438	14	l	l	NOUN
cjfa-45177	438	15	2	2	NUM
cjfa-45177	438	16	ls	ls	ADJ
cjfa-45177	438	17	1	1	NUM
cjfa-45177	438	18	2	2	NUM
cjfa-45177	438	19	3	3	NUM
cjfa-45177	438	20	4	4	NUM
cjfa-45177	438	21	5	5	NUM
cjfa-45177	438	22	6	6	NUM
cjfa-45177	438	23	7	7	NUM
cjfa-45177	438	24	8	8	NUM
cjfa-45177	438	25	m	m	NOUN
cjfa-45177	438	26	ob	ob	NOUN
cjfa-45177	438	27	ile	ile	PROPN
cjfa-45177	438	28	p	p	PROPN
cjfa-45177	438	29	ho	ho	PROPN
cjfa-45177	438	30	ne	ne	PROPN
cjfa-45177	438	31	0	0	PROPN
cjfa-45177	438	32	.	.	PROPN
cjfa-45177	438	33	00	00	NUM
cjfa-45177	439	1	06	06	NUM
cjfa-45177	440	1	36	36	NUM
cjfa-45177	440	2	*	*	PUNCT
cjfa-45177	441	1	*	*	PUNCT
cjfa-45177	441	2	*	*	PUNCT
cjfa-45177	442	1	0	0	NUM
cjfa-45177	442	2	.	.	NUM
cjfa-45177	442	3	00	00	NUM
cjfa-45177	443	1	13	13	NUM
cjfa-45177	443	2	6	6	NUM
cjfa-45177	443	3	*	*	PUNCT
cjfa-45177	443	4	*	*	PUNCT
cjfa-45177	443	5	*	*	PUNCT
cjfa-45177	443	6	0	0	NUM
cjfa-45177	443	7	.	.	NUM
cjfa-45177	443	8	00	00	NUM
cjfa-45177	444	1	09	09	NUM
cjfa-45177	444	2	08	08	NUM
cjfa-45177	445	1	*	*	PUNCT
cjfa-45177	446	1	*	*	PUNCT
cjfa-45177	446	2	*	*	PUNCT
cjfa-45177	447	1	0	0	NUM
cjfa-45177	447	2	.	.	NUM
cjfa-45177	447	3	00	00	NUM
cjfa-45177	448	1	11	11	NUM
cjfa-45177	448	2	4	4	NUM
cjfa-45177	448	3	*	*	PUNCT
cjfa-45177	448	4	*	*	PUNCT
cjfa-45177	448	5	*	*	PUNCT
cjfa-45177	448	6	0	0	NUM
cjfa-45177	448	7	.	.	NUM
cjfa-45177	448	8	00	00	NUM
cjfa-45177	449	1	07	07	NUM
cjfa-45177	449	2	26	26	NUM
cjfa-45177	450	1	*	*	PUNCT
cjfa-45177	450	2	*	*	PUNCT
cjfa-45177	451	1	*	*	PUNCT
cjfa-45177	451	2	0	0	NUM
cjfa-45177	451	3	.	.	NUM
cjfa-45177	451	4	00	00	NUM
cjfa-45177	452	1	13	13	NUM
cjfa-45177	452	2	4	4	NUM
cjfa-45177	452	3	*	*	PUNCT
cjfa-45177	452	4	*	*	PUNCT
cjfa-45177	452	5	*	*	PUNCT
cjfa-45177	452	6	0	0	NUM
cjfa-45177	452	7	.	.	NUM
cjfa-45177	452	8	00	00	NUM
cjfa-45177	453	1	07	07	NUM
cjfa-45177	453	2	43	43	NUM
cjfa-45177	454	1	*	*	PUNCT
cjfa-45177	454	2	*	*	PUNCT
cjfa-45177	455	1	*	*	PUNCT
cjfa-45177	455	2	0	0	NUM
cjfa-45177	455	3	.	.	NUM
cjfa-45177	455	4	00	00	NUM
cjfa-45177	456	1	09	09	NUM
cjfa-45177	456	2	68	68	NUM
cjfa-45177	457	1	*	*	PUNCT
cjfa-45177	457	2	*	*	PUNCT
cjfa-45177	457	3	*	*	PUNCT
cjfa-45177	457	4	(	(	PUNCT
cjfa-45177	457	5	0	0	NUM
cjfa-45177	457	6	.0	.0	NUM
cjfa-45177	457	7	00	00	NUM
cjfa-45177	457	8	14	14	NUM
cjfa-45177	457	9	7	7	NUM
cjfa-45177	457	10	)	)	PUNCT
cjfa-45177	457	11	(	(	PUNCT
cjfa-45177	457	12	0	0	NUM
cjfa-45177	457	13	.0	.0	NUM
cjfa-45177	457	14	00	00	NUM
cjfa-45177	457	15	12	12	NUM
cjfa-45177	457	16	2	2	NUM
cjfa-45177	457	17	)	)	PUNCT
cjfa-45177	457	18	(	(	PUNCT
cjfa-45177	457	19	0	0	NUM
cjfa-45177	457	20	.0	.0	NUM
cjfa-45177	457	21	00	00	NUM
cjfa-45177	457	22	25	25	NUM
cjfa-45177	457	23	7	7	NUM
cjfa-45177	457	24	)	)	PUNCT
cjfa-45177	457	25	(	(	PUNCT
cjfa-45177	457	26	0	0	NUM
cjfa-45177	457	27	.0	.0	NUM
cjfa-45177	457	28	00	00	NUM
cjfa-45177	457	29	35	35	NUM
cjfa-45177	457	30	5	5	NUM
cjfa-45177	457	31	)	)	PUNCT
cjfa-45177	457	32	(	(	PUNCT
cjfa-45177	457	33	0	0	NUM
cjfa-45177	457	34	.0	.0	NUM
cjfa-45177	457	35	00	00	NUM
cjfa-45177	457	36	14	14	NUM
cjfa-45177	457	37	2	2	NUM
cjfa-45177	457	38	)	)	PUNCT
cjfa-45177	457	39	(	(	PUNCT
cjfa-45177	457	40	0	0	NUM
cjfa-45177	457	41	.0	.0	NUM
cjfa-45177	457	42	00	00	NUM
cjfa-45177	457	43	11	11	NUM
cjfa-45177	457	44	9	9	NUM
cjfa-45177	457	45	)	)	PUNCT
cjfa-45177	457	46	(	(	PUNCT
cjfa-45177	457	47	0	0	NUM
cjfa-45177	457	48	.0	.0	NUM
cjfa-45177	457	49	00	00	NUM
cjfa-45177	457	50	22	22	NUM
cjfa-45177	457	51	5	5	NUM
cjfa-45177	457	52	)	)	PUNCT
cjfa-45177	457	53	(	(	PUNCT
cjfa-45177	457	54	0	0	NUM
cjfa-45177	457	55	.0	.0	NUM
cjfa-45177	457	56	00	00	NUM
cjfa-45177	457	57	23	23	NUM
cjfa-45177	457	58	8)	8)	NUM
cjfa-45177	457	59	g	g	PROPN
cjfa-45177	457	60	ro	ro	NOUN
cjfa-45177	457	61	ss	ss	NOUN
cjfa-45177	458	1	d	d	X
cjfa-45177	458	2	om	om	NOUN
cjfa-45177	458	3	es	es	PROPN
cjfa-45177	458	4	tic	tic	PROPN
cjfa-45177	458	5	p	p	X
cjfa-45177	458	6	ro	ro	X
cjfa-45177	458	7	du	du	PROPN
cjfa-45177	458	8	ct	ct	PROPN
cjfa-45177	458	9	-0	-0	PUNCT
cjfa-45177	458	10	.0	.0	NUM
cjfa-45177	458	11	01	01	NUM
cjfa-45177	458	12	29	29	NUM
cjfa-45177	458	13	*	*	SYM
cjfa-45177	458	14	0	0	NUM
cjfa-45177	458	15	.	.	NUM
cjfa-45177	458	16	00	00	NUM
cjfa-45177	458	17	06	06	NUM
cjfa-45177	459	1	57	57	NUM
cjfa-45177	459	2	0	0	NUM
cjfa-45177	459	3	.	.	PUNCT
cjfa-45177	459	4	00	00	NUM
cjfa-45177	460	1	09	09	NUM
cjfa-45177	460	2	49	49	NUM
cjfa-45177	460	3	0	0	NUM
cjfa-45177	460	4	.	.	PUNCT
cjfa-45177	460	5	00	00	NUM
cjfa-45177	461	1	17	17	NUM
cjfa-45177	461	2	6	6	NUM
cjfa-45177	461	3	*	*	PUNCT
cjfa-45177	461	4	-0	-0	SYM
cjfa-45177	461	5	.0	.0	NUM
cjfa-45177	462	1	01	01	NUM
cjfa-45177	462	2	20	20	NUM
cjfa-45177	462	3	*	*	NUM
cjfa-45177	462	4	0	0	NUM
cjfa-45177	462	5	.	.	NUM
cjfa-45177	462	6	00	00	NUM
cjfa-45177	463	1	06	06	NUM
cjfa-45177	464	1	49	49	NUM
cjfa-45177	464	2	0	0	NUM
cjfa-45177	464	3	.	.	PUNCT
cjfa-45177	464	4	00	00	NUM
cjfa-45177	465	1	09	09	NUM
cjfa-45177	465	2	35	35	NUM
cjfa-45177	465	3	0	0	NUM
cjfa-45177	465	4	.	.	PUNCT
cjfa-45177	465	5	00	00	NUM
cjfa-45177	466	1	17	17	NUM
cjfa-45177	466	2	1	1	NUM
cjfa-45177	466	3	*	*	PUNCT
cjfa-45177	466	4	(	(	PUNCT
cjfa-45177	466	5	0	0	NUM
cjfa-45177	466	6	.0	.0	NUM
cjfa-45177	466	7	00	00	NUM
cjfa-45177	466	8	72	72	NUM
cjfa-45177	466	9	6	6	NUM
cjfa-45177	466	10	)	)	PUNCT
cjfa-45177	466	11	(	(	PUNCT
cjfa-45177	466	12	0	0	NUM
cjfa-45177	466	13	.0	.0	NUM
cjfa-45177	466	14	00	00	NUM
cjfa-45177	466	15	73	73	NUM
cjfa-45177	466	16	2	2	NUM
cjfa-45177	466	17	)	)	PUNCT
cjfa-45177	466	18	(	(	PUNCT
cjfa-45177	466	19	0	0	NUM
cjfa-45177	466	20	.0	.0	NUM
cjfa-45177	466	21	00	00	NUM
cjfa-45177	466	22	85	85	NUM
cjfa-45177	466	23	2	2	NUM
cjfa-45177	466	24	)	)	PUNCT
cjfa-45177	466	25	(	(	PUNCT
cjfa-45177	466	26	0	0	NUM
cjfa-45177	466	27	.0	.0	NUM
cjfa-45177	466	28	00	00	NUM
cjfa-45177	466	29	95	95	NUM
cjfa-45177	466	30	0	0	NUM
cjfa-45177	466	31	)	)	PUNCT
cjfa-45177	466	32	(	(	PUNCT
cjfa-45177	466	33	0	0	NUM
cjfa-45177	466	34	.0	.0	NUM
cjfa-45177	466	35	00	00	NUM
cjfa-45177	466	36	71	71	NUM
cjfa-45177	466	37	1	1	NUM
cjfa-45177	466	38	)	)	PUNCT
cjfa-45177	466	39	(	(	PUNCT
cjfa-45177	466	40	0	0	NUM
cjfa-45177	466	41	.0	.0	NUM
cjfa-45177	466	42	00	00	NUM
cjfa-45177	466	43	72	72	NUM
cjfa-45177	466	44	5	5	NUM
cjfa-45177	466	45	)	)	PUNCT
cjfa-45177	466	46	(	(	PUNCT
cjfa-45177	466	47	0	0	NUM
cjfa-45177	466	48	.0	.0	NUM
cjfa-45177	466	49	00	00	NUM
cjfa-45177	466	50	84	84	NUM
cjfa-45177	466	51	0	0	NUM
cjfa-45177	466	52	)	)	PUNCT
cjfa-45177	466	53	(	(	PUNCT
cjfa-45177	466	54	0	0	NUM
cjfa-45177	466	55	.0	.0	NUM
cjfa-45177	466	56	00	00	NUM
cjfa-45177	466	57	92	92	NUM
cjfa-45177	466	58	4	4	NUM
cjfa-45177	466	59	)	)	PUNCT
cjfa-45177	466	60	em	em	PRON
cjfa-45177	466	61	pl	pl	X
cjfa-45177	466	62	oy	oy	PROPN
cjfa-45177	466	63	ab	ab	PROPN
cjfa-45177	466	64	ili	ili	PROPN
cjfa-45177	466	65	ty	ty	INTJ
cjfa-45177	466	66	le	le	X
cjfa-45177	466	67	ve	ve	PROPN
cjfa-45177	466	68	0	0	NUM
cjfa-45177	466	69	.	.	PUNCT
cjfa-45177	466	70	00	00	NUM
cjfa-45177	466	71	35	35	NUM
cjfa-45177	466	72	6	6	NUM
cjfa-45177	466	73	-0	-0	SYM
cjfa-45177	466	74	.0	.0	NUM
cjfa-45177	466	75	02	02	NUM
cjfa-45177	466	76	25	25	NUM
cjfa-45177	466	77	-0	-0	SYM
cjfa-45177	466	78	.0	.0	NUM
cjfa-45177	466	79	01	01	NUM
cjfa-45177	466	80	69	69	NUM
cjfa-45177	466	81	0	0	NUM
cjfa-45177	466	82	.	.	PUNCT
cjfa-45177	466	83	00	00	NUM
cjfa-45177	467	1	37	37	NUM
cjfa-45177	467	2	5	5	NUM
cjfa-45177	467	3	*	*	PUNCT
cjfa-45177	467	4	-0	-0	PROPN
cjfa-45177	467	5	.0	.0	NUM
cjfa-45177	467	6	02	02	NUM
cjfa-45177	467	7	06	06	NUM
cjfa-45177	467	8	-0	-0	SYM
cjfa-45177	467	9	.0	.0	NUM
cjfa-45177	467	10	01	01	NUM
cjfa-45177	467	11	66	66	NUM
cjfa-45177	467	12	(	(	PUNCT
cjfa-45177	467	13	0	0	NUM
cjfa-45177	467	14	.0	.0	NUM
cjfa-45177	467	15	02	02	NUM
cjfa-45177	467	16	17	17	NUM
cjfa-45177	467	17	)	)	PUNCT
cjfa-45177	467	18	(	(	PUNCT
cjfa-45177	467	19	0	0	NUM
cjfa-45177	467	20	.0	.0	NUM
cjfa-45177	467	21	02	02	NUM
cjfa-45177	467	22	38	38	NUM
cjfa-45177	467	23	)	)	PUNCT
cjfa-45177	467	24	(	(	PUNCT
cjfa-45177	467	25	0	0	NUM
cjfa-45177	467	26	.0	.0	NUM
cjfa-45177	467	27	02	02	NUM
cjfa-45177	467	28	56	56	NUM
cjfa-45177	467	29	)	)	PUNCT
cjfa-45177	467	30	(	(	PUNCT
cjfa-45177	467	31	0	0	NUM
cjfa-45177	467	32	.0	.0	NUM
cjfa-45177	467	33	02	02	NUM
cjfa-45177	467	34	15	15	NUM
cjfa-45177	467	35	)	)	PUNCT
cjfa-45177	467	36	(	(	PUNCT
cjfa-45177	467	37	0	0	NUM
cjfa-45177	467	38	.0	.0	NUM
cjfa-45177	467	39	02	02	NUM
cjfa-45177	467	40	34	34	NUM
cjfa-45177	467	41	)	)	PUNCT
cjfa-45177	467	42	(	(	PUNCT
cjfa-45177	467	43	0	0	NUM
cjfa-45177	467	44	.0	.0	NUM
cjfa-45177	467	45	02	02	NUM
cjfa-45177	467	46	50	50	NUM
cjfa-45177	467	47	)	)	PUNCT
cjfa-45177	467	48	le	le	X
cjfa-45177	467	49	ve	ve	VERB
cjfa-45177	467	50	l	l	NOUN
cjfa-45177	467	51	o	o	X
cjfa-45177	467	52	f	f	X
cjfa-45177	467	53	e	e	X
cjfa-45177	467	54	du	du	PROPN
cjfa-45177	467	55	ca	can	AUX
cjfa-45177	467	56	tio	tio	VERB
cjfa-45177	467	57	n	n	PROPN
cjfa-45177	467	58	0	0	NUM
cjfa-45177	467	59	.	.	PUNCT
cjfa-45177	467	60	00	00	NUM
cjfa-45177	468	1	13	13	NUM
cjfa-45177	468	2	0	0	NUM
cjfa-45177	468	3	*	*	PUNCT
cjfa-45177	469	1	*	*	PUNCT
cjfa-45177	469	2	*	*	PUNCT
cjfa-45177	469	3	0	0	NUM
cjfa-45177	469	4	.	.	NUM
cjfa-45177	469	5	00	00	NUM
cjfa-45177	470	1	11	11	NUM
cjfa-45177	470	2	3	3	NUM
cjfa-45177	470	3	*	*	PUNCT
cjfa-45177	470	4	*	*	PUNCT
cjfa-45177	470	5	0	0	NUM
cjfa-45177	470	6	.	.	NUM
cjfa-45177	470	7	00	00	NUM
cjfa-45177	471	1	15	15	NUM
cjfa-45177	471	2	0	0	NUM
cjfa-45177	471	3	*	*	PUNCT
cjfa-45177	472	1	*	*	PUNCT
cjfa-45177	472	2	*	*	PUNCT
cjfa-45177	472	3	0	0	NUM
cjfa-45177	472	4	.	.	NUM
cjfa-45177	472	5	00	00	NUM
cjfa-45177	473	1	13	13	NUM
cjfa-45177	473	2	4	4	NUM
cjfa-45177	473	3	*	*	PUNCT
cjfa-45177	473	4	*	*	PUNCT
cjfa-45177	473	5	*	*	PUNCT
cjfa-45177	473	6	(	(	PUNCT
cjfa-45177	473	7	0	0	NUM
cjfa-45177	473	8	.0	.0	NUM
cjfa-45177	473	9	00	00	NUM
cjfa-45177	473	10	36	36	NUM
cjfa-45177	473	11	0	0	NUM
cjfa-45177	473	12	)	)	PUNCT
cjfa-45177	473	13	(	(	PUNCT
cjfa-45177	473	14	0	0	NUM
cjfa-45177	473	15	.0	.0	NUM
cjfa-45177	473	16	00	00	NUM
cjfa-45177	473	17	48	48	NUM
cjfa-45177	473	18	6	6	NUM
cjfa-45177	473	19	)	)	PUNCT
cjfa-45177	473	20	(	(	PUNCT
cjfa-45177	473	21	0	0	NUM
cjfa-45177	473	22	.0	.0	NUM
cjfa-45177	473	23	00	00	NUM
cjfa-45177	473	24	32	32	NUM
cjfa-45177	473	25	7	7	NUM
cjfa-45177	473	26	)	)	PUNCT
cjfa-45177	473	27	(	(	PUNCT
cjfa-45177	473	28	0	0	NUM
cjfa-45177	473	29	.0	.0	NUM
cjfa-45177	473	30	00	00	NUM
cjfa-45177	473	31	35	35	NUM
cjfa-45177	473	32	9	9	NUM
cjfa-45177	473	33	)	)	PUNCT
cjfa-45177	473	34	fu	fu	NOUN
cjfa-45177	473	35	nd	nd	ADP
cjfa-45177	473	36	s	s	PROPN
cjfa-45177	473	37	t	t	PROPN
cjfa-45177	473	38	ra	ra	PROPN
cjfa-45177	473	39	ns	ns	NUM
cjfa-45177	473	40	fe	fe	X
cjfa-45177	473	41	r	r	NOUN
cjfa-45177	473	42	-0	-0	PUNCT
cjfa-45177	473	43	.0	.0	NUM
cjfa-45177	473	44	03	03	NUM
cjfa-45177	473	45	71	71	NUM
cjfa-45177	473	46	-0	-0	SYM
cjfa-45177	473	47	.0	.0	NUM
cjfa-45177	473	48	03	03	NUM
cjfa-45177	473	49	00	00	PUNCT
cjfa-45177	474	1	(	(	PUNCT
cjfa-45177	474	2	0	0	NUM
cjfa-45177	474	3	.0	.0	NUM
cjfa-45177	474	4	02	02	NUM
cjfa-45177	474	5	43	43	NUM
cjfa-45177	474	6	)	)	PUNCT
cjfa-45177	474	7	(	(	PUNCT
cjfa-45177	474	8	0	0	NUM
cjfa-45177	474	9	.0	.0	NUM
cjfa-45177	474	10	02	02	NUM
cjfa-45177	474	11	13	13	NUM
cjfa-45177	474	12	)	)	PUNCT
cjfa-45177	474	13	co	co	VERB
cjfa-45177	474	14	ns	ns	VERB
cjfa-45177	474	15	ta	ta	PROPN
cjfa-45177	474	16	nt	not	PART
cjfa-45177	474	17	-0	-0	PUNCT
cjfa-45177	474	18	.0	.0	NUM
cjfa-45177	475	1	47	47	NUM
cjfa-45177	475	2	4	4	NUM
cjfa-45177	475	3	*	*	PUNCT
cjfa-45177	475	4	*	*	PUNCT
cjfa-45177	475	5	*	*	PUNCT
cjfa-45177	475	6	-0	-0	PUNCT
cjfa-45177	475	7	.1	.1	NUM
cjfa-45177	476	1	25	25	NUM
cjfa-45177	477	1	*	*	PUNCT
cjfa-45177	477	2	*	*	PUNCT
cjfa-45177	477	3	*	*	PUNCT
cjfa-45177	477	4	-0	-0	PUNCT
cjfa-45177	477	5	.1	.1	NUM
cjfa-45177	477	6	48	48	NUM
cjfa-45177	478	1	*	*	PUNCT
cjfa-45177	478	2	*	*	PUNCT
cjfa-45177	478	3	*	*	PUNCT
cjfa-45177	478	4	-0	-0	INTJ
cjfa-45177	478	5	.0	.0	NUM
cjfa-45177	478	6	91	91	NUM
cjfa-45177	479	1	2	2	NUM
cjfa-45177	479	2	*	*	PUNCT
cjfa-45177	479	3	*	*	PUNCT
cjfa-45177	479	4	-0	-0	PUNCT
cjfa-45177	479	5	.0	.0	NUM
cjfa-45177	479	6	55	55	NUM
cjfa-45177	479	7	0	0	NUM
cjfa-45177	479	8	*	*	PUNCT
cjfa-45177	480	1	*	*	PUNCT
cjfa-45177	480	2	*	*	PUNCT
cjfa-45177	480	3	-0	-0	PUNCT
cjfa-45177	480	4	.1	.1	NUM
cjfa-45177	480	5	23	23	NUM
cjfa-45177	481	1	*	*	PUNCT
cjfa-45177	481	2	*	*	PUNCT
cjfa-45177	481	3	*	*	PUNCT
cjfa-45177	481	4	-0	-0	PUNCT
cjfa-45177	481	5	.1	.1	NUM
cjfa-45177	481	6	44	44	NUM
cjfa-45177	482	1	*	*	PUNCT
cjfa-45177	482	2	*	*	PUNCT
cjfa-45177	482	3	*	*	PUNCT
cjfa-45177	482	4	-0	-0	PUNCT
cjfa-45177	482	5	.1	.1	NUM
cjfa-45177	483	1	02	02	NUM
cjfa-45177	484	1	*	*	PUNCT
cjfa-45177	484	2	*	*	PUNCT
cjfa-45177	484	3	(	(	PUNCT
cjfa-45177	484	4	0	0	NUM
cjfa-45177	484	5	.0	.0	NUM
cjfa-45177	484	6	13	13	NUM
cjfa-45177	484	7	2	2	NUM
cjfa-45177	484	8	)	)	PUNCT
cjfa-45177	484	9	(	(	PUNCT
cjfa-45177	484	10	0	0	NUM
cjfa-45177	484	11	.0	.0	NUM
cjfa-45177	484	12	10	10	NUM
cjfa-45177	484	13	1	1	NUM
cjfa-45177	484	14	)	)	PUNCT
cjfa-45177	484	15	(	(	PUNCT
cjfa-45177	484	16	0	0	NUM
cjfa-45177	484	17	.0	.0	NUM
cjfa-45177	484	18	10	10	NUM
cjfa-45177	484	19	1	1	NUM
cjfa-45177	484	20	)	)	PUNCT
cjfa-45177	484	21	(	(	PUNCT
cjfa-45177	484	22	0	0	NUM
cjfa-45177	484	23	.0	.0	NUM
cjfa-45177	484	24	43	43	NUM
cjfa-45177	484	25	8)	8)	NUM
cjfa-45177	484	26	(	(	PUNCT
cjfa-45177	484	27	0	0	NUM
cjfa-45177	484	28	.0	.0	NUM
cjfa-45177	484	29	12	12	NUM
cjfa-45177	484	30	8)	8)	NUM
cjfa-45177	484	31	(	(	PUNCT
cjfa-45177	484	32	0	0	NUM
cjfa-45177	484	33	.0	.0	NUM
cjfa-45177	484	34	09	09	NUM
cjfa-45177	484	35	90	90	NUM
cjfa-45177	484	36	)	)	PUNCT
cjfa-45177	484	37	(	(	PUNCT
cjfa-45177	484	38	0	0	NUM
cjfa-45177	484	39	.0	.0	NUM
cjfa-45177	484	40	09	09	NUM
cjfa-45177	484	41	75	75	NUM
cjfa-45177	484	42	)	)	PUNCT
cjfa-45177	484	43	(	(	PUNCT
cjfa-45177	484	44	0	0	NUM
cjfa-45177	484	45	.0	.0	NUM
cjfa-45177	484	46	39	39	NUM
cjfa-45177	484	47	8)	8)	NUM
cjfa-45177	484	48	o	o	NOUN
cjfa-45177	484	49	bs	bs	INTJ
cjfa-45177	484	50	er	er	INTJ
cjfa-45177	484	51	va	va	NOUN
cjfa-45177	484	52	tio	tio	PROPN
cjfa-45177	484	53	ns	ns	NUM
cjfa-45177	484	54	33	33	NUM
cjfa-45177	484	55	5	5	NUM
cjfa-45177	484	56	30	30	NUM
cjfa-45177	484	57	7	7	NUM
cjfa-45177	484	58	18	18	NUM
cjfa-45177	484	59	1	1	NUM
cjfa-45177	484	60	16	16	NUM
cjfa-45177	484	61	2	2	NUM
cjfa-45177	484	62	33	33	NUM
cjfa-45177	484	63	5	5	NUM
cjfa-45177	484	64	30	30	NUM
cjfa-45177	484	65	7	7	NUM
cjfa-45177	484	66	18	18	NUM
cjfa-45177	484	67	1	1	NUM
cjfa-45177	484	68	16	16	NUM
cjfa-45177	484	69	2	2	NUM
cjfa-45177	484	70	rsq	rsq	VERB
cjfa-45177	484	71	ua	ua	PROPN
cjfa-45177	484	72	re	re	PROPN
cjfa-45177	484	73	d	d	PROPN
cjfa-45177	484	74	0	0	PROPN
cjfa-45177	484	75	.	.	PUNCT
cjfa-45177	484	76	28	28	NUM
cjfa-45177	484	77	7	7	NUM
cjfa-45177	484	78	0	0	NUM
cjfa-45177	484	79	.	.	PUNCT
cjfa-45177	485	1	34	34	NUM
cjfa-45177	485	2	2	2	NUM
cjfa-45177	485	3	0	0	NUM
cjfa-45177	485	4	.	.	PUNCT
cjfa-45177	486	1	62	62	NUM
cjfa-45177	486	2	0	0	NUM
cjfa-45177	486	3	0	0	NUM
cjfa-45177	486	4	.	.	PUNCT
cjfa-45177	487	1	62	62	NUM
cjfa-45177	487	2	1	1	NUM
cjfa-45177	487	3	0	0	NUM
cjfa-45177	487	4	.	.	NOUN
cjfa-45177	487	5	30	30	NUM
cjfa-45177	487	6	9	9	NUM
cjfa-45177	487	7	0	0	NUM
cjfa-45177	487	8	.	.	PUNCT
cjfa-45177	488	1	34	34	NUM
cjfa-45177	488	2	6	6	NUM
cjfa-45177	488	3	0	0	NUM
cjfa-45177	488	4	.	.	PUNCT
cjfa-45177	489	1	62	62	NUM
cjfa-45177	489	2	0	0	NUM
cjfa-45177	489	3	0	0	NUM
cjfa-45177	489	4	.	.	PUNCT
cjfa-45177	490	1	62	62	NUM
cjfa-45177	490	2	6	6	NUM
cjfa-45177	490	3	f	f	NOUN
cjfa-45177	490	4	12	12	NUM
cjfa-45177	490	5	.9	.9	NUM
cjfa-45177	490	6	0	0	NUM
cjfa-45177	490	7	57	57	NUM
cjfa-45177	490	8	.8	.8	NUM
cjfa-45177	490	9	5	5	NUM
cjfa-45177	490	10	64	64	NUM
cjfa-45177	490	11	.5	.5	NUM
cjfa-45177	490	12	3	3	NUM
cjfa-45177	490	13	45	45	NUM
cjfa-45177	490	14	.3	.3	NUM
cjfa-45177	490	15	1	1	NUM
cjfa-45177	490	16	16	16	NUM
cjfa-45177	490	17	.5	.5	NUM
cjfa-45177	490	18	8	8	NUM
cjfa-45177	490	19	57	57	NUM
cjfa-45177	490	20	.7	.7	NUM
cjfa-45177	490	21	0	0	NUM
cjfa-45177	490	22	64	64	NUM
cjfa-45177	490	23	.0	.0	NUM
cjfa-45177	490	24	5	5	NUM
cjfa-45177	490	25	46	46	NUM
cjfa-45177	490	26	.9	.9	NUM
cjfa-45177	490	27	2	2	NUM
cjfa-45177	490	28	st	st	PROPN
cjfa-45177	490	29	an	an	DET
cjfa-45177	490	30	da	da	PROPN
cjfa-45177	490	31	rd	rd	PROPN
cjfa-45177	490	32	e	e	PROPN
cjfa-45177	490	33	rr	rr	PROPN
cjfa-45177	490	34	or	or	CCONJ
cjfa-45177	490	35	s	s	VERB
cjfa-45177	490	36	i	i	PRON
cjfa-45177	490	37	n	n	PROPN
cjfa-45177	490	38	pa	pa	PROPN
cjfa-45177	490	39	re	re	VERB
cjfa-45177	490	40	nt	not	PART
cjfa-45177	490	41	he	he	PRON
cjfa-45177	490	42	se	se	PROPN
cjfa-45177	490	43	s	s	PART
cjfa-45177	490	44	*	*	PUNCT
cjfa-45177	491	1	*	*	PUNCT
cjfa-45177	491	2	*	*	PUNCT
cjfa-45177	491	3	,	,	PUNCT
cjfa-45177	491	4	s	s	VERB
cjfa-45177	491	5	ig	ig	PROPN
cjfa-45177	491	6	ni	ni	PROPN
cjfa-45177	491	7	fic	fic	PROPN
cjfa-45177	491	8	an	an	PROPN
cjfa-45177	491	9	ce	ce	PROPN
cjfa-45177	491	10	1	1	NUM
cjfa-45177	491	11	%	%	NOUN
cjfa-45177	491	12	;	;	PUNCT
cjfa-45177	491	13	*	*	PUNCT
cjfa-45177	492	1	*	*	PUNCT
cjfa-45177	492	2	,	,	PUNCT
cjfa-45177	492	3	si	si	PROPN
cjfa-45177	492	4	gn	gn	PROPN
cjfa-45177	492	5	ifi	ifi	PROPN
cjfa-45177	492	6	ca	ca	PROPN
cjfa-45177	492	7	nc	nc	PROPN
cjfa-45177	492	8	e	e	PROPN
cjfa-45177	492	9	5	5	NUM
cjfa-45177	492	10	%	%	NOUN
cjfa-45177	492	11	;	;	PUNCT
cjfa-45177	492	12	*	*	X
cjfa-45177	492	13	,	,	PUNCT
cjfa-45177	492	14	si	si	PROPN
cjfa-45177	492	15	gn	gn	PROPN
cjfa-45177	492	16	ifi	ifi	PROPN
cjfa-45177	492	17	ca	ca	PROPN
cjfa-45177	492	18	nc	nc	PROPN
cjfa-45177	492	19	e	e	PROPN
cjfa-45177	492	20	10	10	NUM
cjfa-45177	492	21	%	%	NOUN
cjfa-45177	492	22	.	.	PUNCT
cjfa-45177	493	1	s	s	PART
cjfa-45177	493	2	o	o	X
cjfa-45177	493	3	u	u	X
cjfa-45177	493	4	rc	rc	PROPN
cjfa-45177	493	5	e	e	PROPN
cjfa-45177	493	6	:	:	PUNCT
cjfa-45177	494	1	t	t	PROPN
cjfa-45177	494	2	ab	ab	PROPN
cjfa-45177	494	3	le	le	PROPN
cjfa-45177	495	1	d	d	X
cjfa-45177	495	2	ra	ra	PROPN
cjfa-45177	495	3	w	w	PROPN
cjfa-45177	495	4	n	n	PROPN
cjfa-45177	495	5	by	by	ADP
cjfa-45177	495	6	th	th	ADP
cjfa-45177	495	7	e	e	X
cjfa-45177	495	8	au	au	X
cjfa-45177	495	9	th	th	X
cjfa-45177	495	10	or	or	CCONJ
cjfa-45177	495	11	s	s	X
cjfa-45177	495	12	u	u	NOUN
cjfa-45177	495	13	si	si	PROPN
cjfa-45177	495	14	ng	ng	PROPN
cjfa-45177	495	15	s	s	PROPN
cjfa-45177	495	16	ta	ta	X
cjfa-45177	495	17	ta	ta	X
cjfa-45177	495	18	v	v	ADP
cjfa-45177	495	19	15	15	NUM
cjfa-45177	495	20	.	.	PUNCT
cjfa-45177	496	1	impacts	impact	NOUN
cjfa-45177	496	2	of	of	ADP
cjfa-45177	496	3	fintech	fintech	NOUN
cjfa-45177	496	4	on	on	ADP
cjfa-45177	496	5	financial	financial	ADJ
cjfa-45177	496	6	inclusion	inclusion	NOUN
cjfa-45177	496	7	…	…	PUNCT
cjfa-45177	496	8	8383	8383	NUM
cjfa-45177	496	9	this	this	DET
cjfa-45177	496	10	table	table	NOUN
cjfa-45177	496	11	shows	show	VERB
cjfa-45177	496	12	that	that	SCONJ
cjfa-45177	496	13	the	the	DET
cjfa-45177	496	14	level	level	NOUN
cjfa-45177	496	15	of	of	ADP
cjfa-45177	496	16	broadband	broadband	NOUN
cjfa-45177	496	17	penetration	penetration	NOUN
cjfa-45177	496	18	in	in	ADP
cjfa-45177	496	19	a	a	DET
cjfa-45177	496	20	country	country	NOUN
cjfa-45177	496	21	enables	enable	VERB
cjfa-45177	496	22	fintech	fintech	NOUN
cjfa-45177	496	23	to	to	PART
cjfa-45177	496	24	be	be	AUX
cjfa-45177	496	25	financially	financially	ADV
cjfa-45177	496	26	inclusive	inclusive	ADJ
cjfa-45177	496	27	and	and	CCONJ
cjfa-45177	496	28	effective	effective	ADJ
cjfa-45177	496	29	.	.	PUNCT
cjfa-45177	497	1	other	other	ADJ
cjfa-45177	497	2	elements	element	NOUN
cjfa-45177	497	3	such	such	ADJ
cjfa-45177	497	4	as	as	ADP
cjfa-45177	497	5	the	the	DET
cjfa-45177	497	6	political	political	ADJ
cjfa-45177	497	7	stability	stability	NOUN
cjfa-45177	497	8	of	of	ADP
cjfa-45177	497	9	a	a	DET
cjfa-45177	497	10	country	country	NOUN
cjfa-45177	497	11	and	and	CCONJ
cjfa-45177	497	12	the	the	DET
cjfa-45177	497	13	level	level	NOUN
cjfa-45177	497	14	of	of	ADP
cjfa-45177	497	15	education	education	NOUN
cjfa-45177	497	16	of	of	ADP
cjfa-45177	497	17	the	the	DET
cjfa-45177	497	18	population	population	NOUN
cjfa-45177	497	19	also	also	ADV
cjfa-45177	497	20	favour	favour	VERB
cjfa-45177	497	21	financial	financial	ADJ
cjfa-45177	497	22	inclusion	inclusion	NOUN
cjfa-45177	497	23	.	.	PUNCT
cjfa-45177	498	1	however	however	ADV
cjfa-45177	498	2	,	,	PUNCT
cjfa-45177	498	3	these	these	DET
cjfa-45177	498	4	results	result	NOUN
cjfa-45177	498	5	do	do	AUX
cjfa-45177	498	6	not	not	PART
cjfa-45177	498	7	take	take	VERB
cjfa-45177	498	8	into	into	ADP
cjfa-45177	498	9	account	account	NOUN
cjfa-45177	498	10	the	the	DET
cjfa-45177	498	11	problems	problem	NOUN
cjfa-45177	498	12	of	of	ADP
cjfa-45177	498	13	endogeneity	endogeneity	NOUN
cjfa-45177	498	14	and	and	CCONJ
cjfa-45177	498	15	heteroscedasticity	heteroscedasticity	NOUN
cjfa-45177	498	16	of	of	ADP
cjfa-45177	498	17	the	the	DET
cjfa-45177	498	18	data	datum	NOUN
cjfa-45177	498	19	.	.	PUNCT
cjfa-45177	499	1	to	to	ADP
cjfa-45177	499	2	this	this	DET
cjfa-45177	499	3	end	end	NOUN
cjfa-45177	499	4	,	,	PUNCT
cjfa-45177	499	5	table	table	NOUN
cjfa-45177	499	6	4	4	NUM
cjfa-45177	499	7	below	below	ADP
cjfa-45177	499	8	presents	present	VERB
cjfa-45177	499	9	the	the	DET
cjfa-45177	499	10	results	result	NOUN
cjfa-45177	499	11	of	of	ADP
cjfa-45177	499	12	the	the	DET
cjfa-45177	499	13	two	two	NUM
cjfa-45177	499	14	-	-	PUNCT
cjfa-45177	499	15	stage	stage	NOUN
cjfa-45177	499	16	least	least	ADJ
cjfa-45177	499	17	squares	square	NOUN
cjfa-45177	499	18	(	(	PUNCT
cjfa-45177	499	19	2ls	2ls	NOUN
cjfa-45177	499	20	)	)	PUNCT
cjfa-45177	499	21	and	and	CCONJ
cjfa-45177	499	22	lewbel	lewbel	NOUN
cjfa-45177	499	23	(	(	PUNCT
cjfa-45177	499	24	2012	2012	NUM
cjfa-45177	499	25	)	)	PUNCT
cjfa-45177	499	26	estimations	estimation	NOUN
cjfa-45177	499	27	that	that	PRON
cjfa-45177	499	28	take	take	VERB
cjfa-45177	499	29	these	these	DET
cjfa-45177	499	30	issues	issue	NOUN
cjfa-45177	499	31	into	into	ADP
cjfa-45177	499	32	account	account	NOUN
cjfa-45177	499	33	.	.	PUNCT
cjfa-45177	500	1	the	the	DET
cjfa-45177	500	2	results	result	NOUN
cjfa-45177	500	3	in	in	ADP
cjfa-45177	500	4	this	this	DET
cjfa-45177	500	5	table	table	NOUN
cjfa-45177	500	6	show	show	VERB
cjfa-45177	500	7	that	that	SCONJ
cjfa-45177	500	8	,	,	PUNCT
cjfa-45177	500	9	even	even	ADV
cjfa-45177	500	10	taking	take	VERB
cjfa-45177	500	11	into	into	ADP
cjfa-45177	500	12	account	account	NOUN
cjfa-45177	500	13	possible	possible	ADJ
cjfa-45177	500	14	endogeneity	endogeneity	NOUN
cjfa-45177	500	15	and	and	CCONJ
cjfa-45177	500	16	heteroscedasticity	heteroscedasticity	NOUN
cjfa-45177	500	17	issues	issue	NOUN
cjfa-45177	500	18	,	,	PUNCT
cjfa-45177	500	19	fintech	fintech	NOUN
cjfa-45177	500	20	contributes	contribute	VERB
cjfa-45177	500	21	significantly	significantly	ADV
cjfa-45177	500	22	to	to	ADP
cjfa-45177	500	23	improving	improve	VERB
cjfa-45177	500	24	financial	financial	ADJ
cjfa-45177	500	25	inclusion	inclusion	NOUN
cjfa-45177	500	26	of	of	ADP
cjfa-45177	500	27	people	people	NOUN
cjfa-45177	500	28	in	in	ADP
cjfa-45177	500	29	sub	sub	ADJ
cjfa-45177	500	30	-	-	ADJ
cjfa-45177	500	31	saharan	saharan	ADJ
cjfa-45177	500	32	africa	africa	PROPN
cjfa-45177	500	33	.	.	PUNCT
cjfa-45177	501	1	conclusionconclusion	conclusionconclusion	NOUN
cjfa-45177	501	2	the	the	DET
cjfa-45177	501	3	objective	objective	NOUN
cjfa-45177	501	4	of	of	ADP
cjfa-45177	501	5	this	this	DET
cjfa-45177	501	6	paper	paper	NOUN
cjfa-45177	501	7	was	be	AUX
cjfa-45177	501	8	to	to	PART
cjfa-45177	501	9	determine	determine	VERB
cjfa-45177	501	10	the	the	DET
cjfa-45177	501	11	impact	impact	NOUN
cjfa-45177	501	12	of	of	ADP
cjfa-45177	501	13	fintech	fintech	NOUN
cjfa-45177	501	14	on	on	ADP
cjfa-45177	501	15	the	the	DET
cjfa-45177	501	16	financial	financial	ADJ
cjfa-45177	501	17	inclusion	inclusion	NOUN
cjfa-45177	501	18	of	of	ADP
cjfa-45177	501	19	populations	population	NOUN
cjfa-45177	501	20	in	in	ADP
cjfa-45177	501	21	sub	sub	ADJ
cjfa-45177	501	22	-	-	ADJ
cjfa-45177	501	23	saharan	saharan	ADJ
cjfa-45177	501	24	africa	africa	PROPN
cjfa-45177	501	25	where	where	SCONJ
cjfa-45177	501	26	financial	financial	ADJ
cjfa-45177	501	27	literacy	literacy	NOUN
cjfa-45177	501	28	is	be	AUX
cjfa-45177	501	29	still	still	ADV
cjfa-45177	501	30	low	low	ADJ
cjfa-45177	501	31	.	.	PUNCT
cjfa-45177	502	1	in	in	ADP
cjfa-45177	502	2	this	this	DET
cjfa-45177	502	3	study	study	NOUN
cjfa-45177	502	4	,	,	PUNCT
cjfa-45177	502	5	financial	financial	ADJ
cjfa-45177	502	6	inclusion	inclusion	NOUN
cjfa-45177	502	7	was	be	AUX
cjfa-45177	502	8	defined	define	VERB
cjfa-45177	502	9	as	as	ADP
cjfa-45177	502	10	access	access	NOUN
cjfa-45177	502	11	to	to	ADP
cjfa-45177	502	12	financial	financial	ADJ
cjfa-45177	502	13	services	service	NOUN
cjfa-45177	502	14	at	at	ADP
cjfa-45177	502	15	lower	low	ADJ
cjfa-45177	502	16	costs	cost	NOUN
cjfa-45177	502	17	and	and	CCONJ
cjfa-45177	502	18	fintech	fintech	NOUN
cjfa-45177	502	19	as	as	ADP
cjfa-45177	502	20	the	the	DET
cjfa-45177	502	21	application	application	NOUN
cjfa-45177	502	22	of	of	ADP
cjfa-45177	502	23	new	new	ADJ
cjfa-45177	502	24	technologies	technology	NOUN
cjfa-45177	502	25	in	in	ADP
cjfa-45177	502	26	the	the	DET
cjfa-45177	502	27	provision	provision	NOUN
cjfa-45177	502	28	of	of	ADP
cjfa-45177	502	29	financial	financial	ADJ
cjfa-45177	502	30	services	service	NOUN
cjfa-45177	502	31	.	.	PUNCT
cjfa-45177	503	1	however	however	ADV
cjfa-45177	503	2	,	,	PUNCT
cjfa-45177	503	3	several	several	ADJ
cjfa-45177	503	4	studies	study	NOUN
cjfa-45177	503	5	in	in	ADP
cjfa-45177	503	6	europe	europe	PROPN
cjfa-45177	503	7	and	and	CCONJ
cjfa-45177	503	8	asia	asia	PROPN
cjfa-45177	503	9	have	have	AUX
cjfa-45177	503	10	shown	show	VERB
cjfa-45177	503	11	that	that	DET
cjfa-45177	503	12	fintech	fintech	NOUN
cjfa-45177	503	13	to	to	ADP
cjfa-45177	503	14	financial	financial	ADJ
cjfa-45177	503	15	services	service	NOUN
cjfa-45177	503	16	.	.	PUNCT
cjfa-45177	504	1	in	in	ADP
cjfa-45177	504	2	sub	sub	ADJ
cjfa-45177	504	3	-	-	ADJ
cjfa-45177	504	4	saharan	saharan	ADJ
cjfa-45177	504	5	africa	africa	PROPN
cjfa-45177	504	6	,	,	PUNCT
cjfa-45177	504	7	the	the	DET
cjfa-45177	504	8	level	level	NOUN
cjfa-45177	504	9	of	of	ADP
cjfa-45177	504	10	fintech	fintech	NOUN
cjfa-45177	504	11	penetration	penetration	NOUN
cjfa-45177	504	12	is	be	AUX
cjfa-45177	504	13	still	still	ADV
cjfa-45177	504	14	relatively	relatively	ADV
cjfa-45177	504	15	low	low	ADJ
cjfa-45177	504	16	and	and	CCONJ
cjfa-45177	504	17	a	a	DET
cjfa-45177	504	18	large	large	ADJ
cjfa-45177	504	19	proportion	proportion	NOUN
cjfa-45177	504	20	of	of	ADP
cjfa-45177	504	21	the	the	DET
cjfa-45177	504	22	population	population	NOUN
cjfa-45177	504	23	is	be	AUX
cjfa-45177	504	24	still	still	ADV
cjfa-45177	504	25	excluded	exclude	VERB
cjfa-45177	504	26	from	from	ADP
cjfa-45177	504	27	the	the	DET
cjfa-45177	504	28	mainstream	mainstream	ADJ
cjfa-45177	504	29	financial	financial	ADJ
cjfa-45177	504	30	system	system	NOUN
cjfa-45177	504	31	.	.	PUNCT
cjfa-45177	505	1	thus	thus	ADV
cjfa-45177	505	2	,	,	PUNCT
cjfa-45177	505	3	this	this	DET
cjfa-45177	505	4	study	study	NOUN
cjfa-45177	505	5	sought	seek	VERB
cjfa-45177	505	6	to	to	PART
cjfa-45177	505	7	make	make	VERB
cjfa-45177	505	8	a	a	DET
cjfa-45177	505	9	contribution	contribution	NOUN
cjfa-45177	505	10	to	to	ADP
cjfa-45177	505	11	understanding	understand	VERB
cjfa-45177	505	12	financial	financial	ADJ
cjfa-45177	505	13	inclusion	inclusion	NOUN
cjfa-45177	505	14	through	through	ADP
cjfa-45177	505	15	fintech	fintech	NOUN
cjfa-45177	505	16	.	.	PUNCT
cjfa-45177	506	1	to	to	PART
cjfa-45177	506	2	do	do	VERB
cjfa-45177	506	3	so	so	ADV
cjfa-45177	506	4	,	,	PUNCT
cjfa-45177	506	5	data	datum	NOUN
cjfa-45177	506	6	were	be	AUX
cjfa-45177	506	7	collected	collect	VERB
cjfa-45177	506	8	on	on	ADP
cjfa-45177	506	9	a	a	DET
cjfa-45177	506	10	sample	sample	NOUN
cjfa-45177	506	11	of	of	ADP
cjfa-45177	506	12	35	35	NUM
cjfa-45177	506	13	countries	country	NOUN
cjfa-45177	506	14	over	over	ADP
cjfa-45177	506	15	a	a	DET
cjfa-45177	506	16	period	period	NOUN
cjfa-45177	506	17	from	from	ADP
cjfa-45177	506	18	2011	2011	NUM
cjfa-45177	506	19	to	to	ADP
cjfa-45177	506	20	2020	2020	NUM
cjfa-45177	506	21	.	.	PUNCT
cjfa-45177	507	1	estimates	estimate	NOUN
cjfa-45177	507	2	were	be	AUX
cjfa-45177	507	3	made	make	VERB
cjfa-45177	507	4	using	use	VERB
cjfa-45177	507	5	two	two	NUM
cjfa-45177	507	6	-	-	PUNCT
cjfa-45177	507	7	stage	stage	NOUN
cjfa-45177	507	8	least	least	ADJ
cjfa-45177	507	9	squares	square	NOUN
cjfa-45177	507	10	models	model	NOUN
cjfa-45177	507	11	and	and	CCONJ
cjfa-45177	507	12	the	the	DET
cjfa-45177	507	13	lewbel	lewbel	NOUN
cjfa-45177	507	14	(	(	PUNCT
cjfa-45177	507	15	2012	2012	NUM
cjfa-45177	507	16	)	)	PUNCT
cjfa-45177	507	17	model	model	NOUN
cjfa-45177	507	18	.	.	PUNCT
cjfa-45177	508	1	it	it	PRON
cjfa-45177	508	2	is	be	AUX
cjfa-45177	508	3	clear	clear	ADJ
cjfa-45177	508	4	from	from	ADP
cjfa-45177	508	5	the	the	DET
cjfa-45177	508	6	results	result	NOUN
cjfa-45177	508	7	that	that	PRON
cjfa-45177	508	8	fintech	fintech	NOUN
cjfa-45177	508	9	contributes	contribute	VERB
cjfa-45177	508	10	significantly	significantly	ADV
cjfa-45177	508	11	to	to	ADP
cjfa-45177	508	12	the	the	DET
cjfa-45177	508	13	financial	financial	ADJ
cjfa-45177	508	14	inclusion	inclusion	NOUN
cjfa-45177	508	15	of	of	ADP
cjfa-45177	508	16	people	people	NOUN
cjfa-45177	508	17	in	in	ADP
cjfa-45177	508	18	sub	sub	ADJ
cjfa-45177	508	19	-	-	ADJ
cjfa-45177	508	20	saharan	saharan	ADJ
cjfa-45177	508	21	africa	africa	PROPN
cjfa-45177	508	22	.	.	PUNCT
cjfa-45177	509	1	the	the	DET
cjfa-45177	509	2	possession	possession	NOUN
cjfa-45177	509	3	of	of	ADP
cjfa-45177	509	4	a	a	DET
cjfa-45177	509	5	mobile	mobile	ADJ
cjfa-45177	509	6	phone	phone	NOUN
cjfa-45177	509	7	facilitates	facilitate	VERB
cjfa-45177	509	8	the	the	DET
cjfa-45177	509	9	use	use	NOUN
cjfa-45177	509	10	of	of	ADP
cjfa-45177	509	11	financial	financial	ADJ
cjfa-45177	509	12	services	service	NOUN
cjfa-45177	509	13	.	.	PUNCT
cjfa-45177	510	1	furthermore	furthermore	ADV
cjfa-45177	510	2	,	,	PUNCT
cjfa-45177	510	3	a	a	DET
cjfa-45177	510	4	1	1	NUM
cjfa-45177	510	5	%	%	NOUN
cjfa-45177	510	6	increase	increase	NOUN
cjfa-45177	510	7	in	in	ADP
cjfa-45177	510	8	the	the	DET
cjfa-45177	510	9	number	number	NOUN
cjfa-45177	510	10	of	of	ADP
cjfa-45177	510	11	people	people	NOUN
cjfa-45177	510	12	using	use	VERB
cjfa-45177	510	13	fixed	fix	VERB
cjfa-45177	510	14	-	-	PUNCT
cjfa-45177	510	15	line	line	NOUN
cjfa-45177	510	16	phones	phone	NOUN
cjfa-45177	510	17	would	would	AUX
cjfa-45177	510	18	contribute	contribute	VERB
cjfa-45177	510	19	to	to	ADP
cjfa-45177	510	20	a	a	DET
cjfa-45177	510	21	0.67	0.67	NUM
cjfa-45177	510	22	%	%	NOUN
cjfa-45177	510	23	increase	increase	NOUN
cjfa-45177	510	24	in	in	ADP
cjfa-45177	510	25	financial	financial	ADJ
cjfa-45177	510	26	inclusion	inclusion	NOUN
cjfa-45177	510	27	according	accord	VERB
cjfa-45177	510	28	to	to	ADP
cjfa-45177	510	29	the	the	DET
cjfa-45177	510	30	ols	ol	NOUN
cjfa-45177	510	31	2ls	2ls	ADJ
cjfa-45177	510	32	estimates	estimate	NOUN
cjfa-45177	510	33	.	.	PUNCT
cjfa-45177	511	1	in	in	ADP
cjfa-45177	511	2	the	the	DET
cjfa-45177	511	3	fixed	fixed	ADJ
cjfa-45177	511	4	effect	effect	NOUN
cjfa-45177	511	5	estimates	estimate	NOUN
cjfa-45177	511	6	,	,	PUNCT
cjfa-45177	511	7	a	a	DET
cjfa-45177	511	8	1	1	NUM
cjfa-45177	511	9	%	%	NOUN
cjfa-45177	511	10	increase	increase	NOUN
cjfa-45177	511	11	in	in	ADP
cjfa-45177	511	12	fintech	fintech	NOUN
cjfa-45177	511	13	would	would	AUX
cjfa-45177	511	14	contribute	contribute	VERB
cjfa-45177	511	15	to	to	ADP
cjfa-45177	511	16	a	a	DET
cjfa-45177	511	17	0.33	0.33	NUM
cjfa-45177	511	18	%	%	NOUN
cjfa-45177	511	19	increase	increase	NOUN
cjfa-45177	511	20	in	in	ADP
cjfa-45177	511	21	financial	financial	ADJ
cjfa-45177	511	22	inclusion	inclusion	NOUN
cjfa-45177	511	23	.	.	PUNCT
cjfa-45177	512	1	the	the	DET
cjfa-45177	512	2	driscoll	driscoll	NOUN
cjfa-45177	512	3	-	-	PUNCT
cjfa-45177	512	4	kraay	kraay	PROPN
cjfa-45177	512	5	(	(	PUNCT
cjfa-45177	512	6	1998	1998	NUM
cjfa-45177	512	7	)	)	PUNCT
cjfa-45177	512	8	technique	technique	NOUN
cjfa-45177	512	9	consolidated	consolidate	VERB
cjfa-45177	512	10	these	these	DET
cjfa-45177	512	11	results	result	NOUN
cjfa-45177	512	12	by	by	ADP
cjfa-45177	512	13	further	far	ADV
cjfa-45177	512	14	showing	show	VERB
cjfa-45177	512	15	that	that	SCONJ
cjfa-45177	512	16	with	with	ADP
cjfa-45177	512	17	1	1	NUM
cjfa-45177	512	18	%	%	NOUN
cjfa-45177	512	19	of	of	ADP
cjfa-45177	512	20	people	people	NOUN
cjfa-45177	512	21	having	have	VERB
cjfa-45177	512	22	access	access	NOUN
cjfa-45177	512	23	to	to	ADP
cjfa-45177	512	24	fintech	fintech	NOUN
cjfa-45177	512	25	tools	tool	NOUN
cjfa-45177	512	26	,	,	PUNCT
cjfa-45177	512	27	there	there	PRON
cjfa-45177	512	28	is	be	VERB
cjfa-45177	512	29	an	an	DET
cjfa-45177	512	30	improvement	improvement	NOUN
cjfa-45177	512	31	in	in	ADP
cjfa-45177	512	32	the	the	DET
cjfa-45177	512	33	financial	financial	ADJ
cjfa-45177	512	34	inclusion	inclusion	NOUN
cjfa-45177	512	35	rate	rate	NOUN
cjfa-45177	512	36	of	of	ADP
cjfa-45177	512	37	0.67	0.67	NUM
cjfa-45177	512	38	%	%	NOUN
cjfa-45177	512	39	.	.	PUNCT
cjfa-45177	513	1	these	these	DET
cjfa-45177	513	2	results	result	NOUN
cjfa-45177	513	3	reflect	reflect	VERB
cjfa-45177	513	4	the	the	DET
cjfa-45177	513	5	rapid	rapid	ADJ
cjfa-45177	513	6	evolution	evolution	NOUN
cjfa-45177	513	7	of	of	ADP
cjfa-45177	513	8	technology	technology	NOUN
cjfa-45177	513	9	tools	tool	NOUN
cjfa-45177	513	10	in	in	ADP
cjfa-45177	513	11	the	the	DET
cjfa-45177	513	12	financial	financial	ADJ
cjfa-45177	513	13	sector	sector	NOUN
cjfa-45177	513	14	in	in	ADP
cjfa-45177	513	15	both	both	CCONJ
cjfa-45177	513	16	developed	developed	ADJ
cjfa-45177	513	17	and	and	CCONJ
cjfa-45177	513	18	developing	develop	VERB
cjfa-45177	513	19	countries	country	NOUN
cjfa-45177	513	20	.	.	PUNCT
cjfa-45177	514	1	wulli	wulli	PROPN
cjfa-45177	514	2	faustin	faustin	PROPN
cjfa-45177	514	3	djoufouet	djoufouet	PROPN
cjfa-45177	514	4	,	,	PUNCT
cjfa-45177	514	5	thierry	thierry	NOUN
cjfa-45177	514	6	messie	messie	NOUN
cjfa-45177	514	7	pondie8484	pondie8484	PROPN
cjfa-45177	514	8	however	however	ADV
cjfa-45177	514	9	,	,	PUNCT
cjfa-45177	514	10	it	it	PRON
cjfa-45177	514	11	can	can	AUX
cjfa-45177	514	12	be	be	AUX
cjfa-45177	514	13	seen	see	VERB
cjfa-45177	514	14	that	that	SCONJ
cjfa-45177	514	15	fintech	fintech	NOUN
cjfa-45177	514	16	is	be	AUX
cjfa-45177	514	17	not	not	PART
cjfa-45177	514	18	the	the	DET
cjfa-45177	514	19	only	only	ADJ
cjfa-45177	514	20	variable	variable	NOUN
cjfa-45177	514	21	that	that	PRON
cjfa-45177	514	22	influences	influence	VERB
cjfa-45177	514	23	financial	financial	ADJ
cjfa-45177	514	24	inclusion	inclusion	NOUN
cjfa-45177	514	25	in	in	ADP
cjfa-45177	514	26	sub	sub	ADJ
cjfa-45177	514	27	-	-	ADJ
cjfa-45177	514	28	saharan	saharan	ADJ
cjfa-45177	514	29	africa	africa	PROPN
cjfa-45177	514	30	.	.	PUNCT
cjfa-45177	515	1	the	the	DET
cjfa-45177	515	2	broadband	broadband	NOUN
cjfa-45177	515	3	penetration	penetration	NOUN
cjfa-45177	515	4	rate	rate	NOUN
cjfa-45177	515	5	,	,	PUNCT
cjfa-45177	515	6	the	the	DET
cjfa-45177	515	7	level	level	NOUN
cjfa-45177	515	8	of	of	ADP
cjfa-45177	515	9	education	education	NOUN
cjfa-45177	515	10	and	and	CCONJ
cjfa-45177	515	11	the	the	DET
cjfa-45177	515	12	political	political	ADJ
cjfa-45177	515	13	satiability	satiability	NOUN
cjfa-45177	515	14	of	of	ADP
cjfa-45177	515	15	a	a	DET
cjfa-45177	515	16	country	country	NOUN
cjfa-45177	515	17	also	also	ADV
cjfa-45177	515	18	have	have	VERB
cjfa-45177	515	19	an	an	DET
cjfa-45177	515	20	impact	impact	NOUN
cjfa-45177	515	21	on	on	ADP
cjfa-45177	515	22	financial	financial	ADJ
cjfa-45177	515	23	inclusion	inclusion	NOUN
cjfa-45177	515	24	.	.	PUNCT
cjfa-45177	515	25	 	 	SPACE
cjfa-45177	516	1	references	reference	NOUN
cjfa-45177	516	2	 	 	SPACE
cjfa-45177	516	3	references	reference	NOUN
cjfa-45177	516	4	abor	abor	PROPN
cjfa-45177	516	5	,	,	PUNCT
cjfa-45177	516	6	j.y	j.y	PROPN
cjfa-45177	516	7	.	.	PROPN
cjfa-45177	516	8	,	,	PUNCT
cjfa-45177	516	9	amidu	amidu	ADJ
cjfa-45177	516	10	,	,	PUNCT
cjfa-45177	516	11	m.	m.	NOUN
cjfa-45177	516	12	,	,	PUNCT
cjfa-45177	516	13	&	&	CCONJ
cjfa-45177	516	14	issahaku	issahaku	PROPN
cjfa-45177	516	15	h.	h.	PROPN
cjfa-45177	516	16	(	(	PUNCT
cjfa-45177	516	17	2018	2018	NUM
cjfa-45177	516	18	)	)	PUNCT
cjfa-45177	516	19	.	.	PUNCT
cjfa-45177	517	1	mobile	mobile	ADJ
cjfa-45177	517	2	telephony	telephony	NOUN
cjfa-45177	517	3	,	,	PUNCT
cjfa-45177	517	4	financial	financial	ADJ
cjfa-45177	517	5	inclusion	inclusion	NOUN
cjfa-45177	517	6	and	and	CCONJ
cjfa-45177	517	7	inclusive	inclusive	ADJ
cjfa-45177	517	8	growth	growth	NOUN
cjfa-45177	517	9	.	.	PUNCT
cjfa-45177	518	1	journal	journal	NOUN
cjfa-45177	518	2	of	of	ADP
cjfa-45177	518	3	african	african	ADJ
cjfa-45177	518	4	business	business	NOUN
cjfa-45177	518	5	,	,	PUNCT
cjfa-45177	518	6	127(2	127(2	NUM
cjfa-45177	518	7	)	)	PUNCT
cjfa-45177	518	8	,	,	PUNCT
cjfa-45177	518	9	430–453	430–453	NUM
cjfa-45177	518	10	.	.	PUNCT
cjfa-45177	519	1	http://dx.doi.org/10.1	http://dx.doi.org/10.1	PROPN
cjfa-45177	519	2	080/15228916.2017.1419332	080/15228916.2017.1419332	NUM
cjfa-45177	519	3	.	.	PUNCT
cjfa-45177	520	1	allen	allen	PROPN
cjfa-45177	520	2	,	,	PUNCT
cjfa-45177	520	3	f.	f.	PROPN
cjfa-45177	520	4	,	,	PUNCT
cjfa-45177	520	5	demirguc	demirguc	PROPN
cjfa-45177	520	6	-	-	PUNCT
cjfa-45177	520	7	kunt	kunt	PROPN
cjfa-45177	520	8	,	,	PUNCT
cjfa-45177	520	9	a.	a.	PROPN
cjfa-45177	520	10	,	,	PUNCT
cjfa-45177	520	11	klapper	klapper	PROPN
cjfa-45177	520	12	,	,	PUNCT
cjfa-45177	520	13	l.	l.	PROPN
cjfa-45177	520	14	,	,	PUNCT
cjfa-45177	520	15	&	&	CCONJ
cjfa-45177	520	16	martinez	martinez	PROPN
cjfa-45177	520	17	peria	peria	PROPN
cjfa-45177	520	18	,	,	PUNCT
cjfa-45177	520	19	m.s	m.s	PROPN
cjfa-45177	520	20	.	.	PUNCT
cjfa-45177	520	21	(	(	PUNCT
cjfa-45177	520	22	2016	2016	NUM
cjfa-45177	520	23	)	)	PUNCT
cjfa-45177	520	24	.	.	PUNCT
cjfa-45177	521	1	the	the	DET
cjfa-45177	521	2	foundations	foundation	NOUN
cjfa-45177	521	3	of	of	ADP
cjfa-45177	521	4	financial	financial	ADJ
cjfa-45177	521	5	inclusion	inclusion	NOUN
cjfa-45177	521	6	:	:	PUNCT
cjfa-45177	521	7	understanding	understand	VERB
cjfa-45177	521	8	ownership	ownership	NOUN
cjfa-45177	521	9	and	and	CCONJ
cjfa-45177	521	10	use	use	NOUN
cjfa-45177	521	11	of	of	ADP
cjfa-45177	521	12	formal	formal	ADJ
cjfa-45177	521	13	accounts	account	NOUN
cjfa-45177	521	14	.	.	PUNCT
cjfa-45177	522	1	journal	journal	NOUN
cjfa-45177	522	2	of	of	ADP
cjfa-45177	522	3	financial	financial	ADJ
cjfa-45177	522	4	intermediation	intermediation	NOUN
cjfa-45177	522	5	,	,	PUNCT
cjfa-45177	522	6	27(2	27(2	NUM
cjfa-45177	522	7	)	)	PUNCT
cjfa-45177	522	8	,	,	PUNCT
cjfa-45177	522	9	1–30	1–30	PROPN
cjfa-45177	522	10	.	.	PUNCT
cjfa-45177	523	1	http://dx.doi.org/10.1016/j	http://dx.doi.org/10.1016/j	PROPN
cjfa-45177	523	2	.	.	PUNCT
cjfa-45177	523	3	jfi.2015.12.003	jfi.2015.12.003	PROPN
cjfa-45177	523	4	.	.	PUNCT
cjfa-45177	524	1	al	al	PROPN
cjfa-45177	524	2	-	-	PUNCT
cjfa-45177	524	3	nawayseh	nawayseh	PROPN
cjfa-45177	524	4	,	,	PUNCT
cjfa-45177	524	5	m.k	m.k	X
cjfa-45177	524	6	(	(	PUNCT
cjfa-45177	524	7	2020	2020	NUM
cjfa-45177	524	8	)	)	PUNCT
cjfa-45177	524	9	.	.	PUNCT
cjfa-45177	525	1	fintech	fintech	NOUN
cjfa-45177	525	2	in	in	ADP
cjfa-45177	525	3	covid-19	covid-19	PROPN
cjfa-45177	525	4	and	and	CCONJ
cjfa-45177	525	5	beyond	beyond	ADP
cjfa-45177	525	6	:	:	PUNCT
cjfa-45177	525	7	what	what	DET
cjfa-45177	525	8	factors	factor	NOUN
cjfa-45177	525	9	are	be	AUX
cjfa-45177	525	10	affecting	affect	VERB
cjfa-45177	525	11	customers	customer	NOUN
cjfa-45177	525	12	’	'	PUNCT
cjfa-45177	525	13	choice	choice	NOUN
cjfa-45177	525	14	of	of	ADP
cjfa-45177	525	15	fintech	fintech	NOUN
cjfa-45177	525	16	applications	application	NOUN
cjfa-45177	525	17	?	?	PUNCT
cjfa-45177	526	1	journal	journal	NOUN
cjfa-45177	526	2	of	of	ADP
cjfa-45177	526	3	open	open	ADJ
cjfa-45177	526	4	innovation	innovation	NOUN
cjfa-45177	526	5	:	:	PUNCT
cjfa-45177	526	6	technology	technology	NOUN
cjfa-45177	526	7	,	,	PUNCT
cjfa-45177	526	8	market	market	NOUN
cjfa-45177	526	9	,	,	PUNCT
cjfa-45177	526	10	and	and	CCONJ
cjfa-45177	526	11	complexity	complexity	NOUN
cjfa-45177	526	12	,	,	PUNCT
cjfa-45177	526	13	6(4	6(4	NUM
cjfa-45177	526	14	)	)	PUNCT
cjfa-45177	526	15	,	,	PUNCT
cjfa-45177	526	16	1–15	1–15	NUM
cjfa-45177	526	17	.	.	PUNCT
cjfa-45177	527	1	http://dx.doi.org/10.3390/joitmc6040153	http://dx.doi.org/10.3390/joitmc6040153	PROPN
cjfa-45177	527	2	.	.	PUNCT
cjfa-45177	528	1	andrianaivo	andrianaivo	NOUN
cjfa-45177	528	2	,	,	PUNCT
cjfa-45177	528	3	m.	m.	NOUN
cjfa-45177	528	4	,	,	PUNCT
cjfa-45177	528	5	&	&	CCONJ
cjfa-45177	528	6	kpodar	kpodar	PROPN
cjfa-45177	528	7	,	,	PUNCT
cjfa-45177	528	8	k.	k.	PROPN
cjfa-45177	528	9	(	(	PUNCT
cjfa-45177	528	10	2012	2012	NUM
cjfa-45177	528	11	)	)	PUNCT
cjfa-45177	528	12	.	.	PUNCT
cjfa-45177	529	1	mobile	mobile	ADJ
cjfa-45177	529	2	phones	phone	NOUN
cjfa-45177	529	3	,	,	PUNCT
cjfa-45177	529	4	financial	financial	ADJ
cjfa-45177	529	5	inclusion	inclusion	NOUN
cjfa-45177	529	6	and	and	CCONJ
cjfa-45177	529	7	growth	growth	NOUN
cjfa-45177	529	8	.	.	PUNCT
cjfa-45177	530	1	review	review	NOUN
cjfa-45177	530	2	of	of	ADP
cjfa-45177	530	3	economics	economic	NOUN
cjfa-45177	530	4	and	and	CCONJ
cjfa-45177	530	5	institutions	institution	NOUN
cjfa-45177	530	6	,	,	PUNCT
cjfa-45177	530	7	3(2	3(2	NUM
cjfa-45177	530	8	)	)	PUNCT
cjfa-45177	530	9	,	,	PUNCT
cjfa-45177	530	10	15–30	15–30	NUM
cjfa-45177	530	11	.	.	PUNCT
cjfa-45177	531	1	http://dx.doi.org/10.5202/rei	http://dx.doi.org/10.5202/rei	PROPN
cjfa-45177	531	2	.	.	PROPN
cjfa-45177	531	3	v3i2.75	v3i2.75	PROPN
cjfa-45177	531	4	.	.	PUNCT
cjfa-45177	532	1	angelucci	angelucci	PROPN
cjfa-45177	532	2	,	,	PUNCT
cjfa-45177	532	3	m.	m.	NOUN
cjfa-45177	532	4	,	,	PUNCT
cjfa-45177	532	5	karlan	karlan	PROPN
cjfa-45177	532	6	,	,	PUNCT
cjfa-45177	532	7	d.	d.	PROPN
cjfa-45177	532	8	,	,	PUNCT
cjfa-45177	532	9	&	&	CCONJ
cjfa-45177	532	10	zinman	zinman	PROPN
cjfa-45177	532	11	,	,	PUNCT
cjfa-45177	532	12	j.	j.	PROPN
cjfa-45177	532	13	(	(	PUNCT
cjfa-45177	532	14	2015	2015	NUM
cjfa-45177	532	15	)	)	PUNCT
cjfa-45177	532	16	.	.	PUNCT
cjfa-45177	533	1	microcredit	microcredit	NOUN
cjfa-45177	533	2	impacts	impact	NOUN
cjfa-45177	533	3	:	:	PUNCT
cjfa-45177	533	4	evidence	evidence	NOUN
cjfa-45177	533	5	from	from	ADP
cjfa-45177	533	6	a	a	DET
cjfa-45177	533	7	randomized	randomized	ADJ
cjfa-45177	533	8	microcredit	microcredit	NOUN
cjfa-45177	533	9	program	program	NOUN
cjfa-45177	533	10	placement	placement	NOUN
cjfa-45177	533	11	experiment	experiment	NOUN
cjfa-45177	533	12	by	by	ADP
cjfa-45177	533	13	compartamos	compartamos	PROPN
cjfa-45177	533	14	banco	banco	NOUN
cjfa-45177	533	15	.	.	PUNCT
cjfa-45177	534	1	american	american	PROPN
cjfa-45177	534	2	economic	economic	PROPN
cjfa-45177	534	3	journal	journal	PROPN
cjfa-45177	534	4	.	.	PUNCT
cjfa-45177	535	1	applied	apply	VERB
cjfa-45177	535	2	economics	economic	NOUN
cjfa-45177	535	3	,	,	PUNCT
cjfa-45177	535	4	7(1	7(1	NUM
cjfa-45177	535	5	)	)	PUNCT
cjfa-45177	535	6	,	,	PUNCT
cjfa-45177	535	7	151–182	151–182	NUM
cjfa-45177	535	8	.	.	PUNCT
cjfa-45177	535	9	http://dx.doi	http://dx.doi	NOUN
cjfa-45177	535	10	.	.	PUNCT
cjfa-45177	536	1	org/10.1257	org/10.1257	NOUN
cjfa-45177	536	2	/	/	SYM
cjfa-45177	536	3	app.20130537	app.20130537	PROPN
cjfa-45177	536	4	.	.	PROPN
cjfa-45177	536	5	asongu	asongu	PROPN
cjfa-45177	536	6	s.a	s.a	PROPN
cjfa-45177	536	7	.	.	PROPN
cjfa-45177	536	8	,	,	PUNCT
cjfa-45177	536	9	&	&	CCONJ
cjfa-45177	536	10	odhiambo	odhiambo	PROPN
cjfa-45177	536	11	,	,	PUNCT
cjfa-45177	536	12	n.m	n.m	PROPN
cjfa-45177	536	13	.	.	PROPN
cjfa-45177	536	14	(	(	PUNCT
cjfa-45177	536	15	2018	2018	NUM
cjfa-45177	536	16	)	)	PUNCT
cjfa-45177	536	17	.	.	PUNCT
cjfa-45177	537	1	challenges	challenge	NOUN
cjfa-45177	537	2	of	of	ADP
cjfa-45177	537	3	doing	do	VERB
cjfa-45177	537	4	business	business	NOUN
cjfa-45177	537	5	in	in	ADP
cjfa-45177	537	6	africa	africa	PROPN
cjfa-45177	537	7	:	:	PUNCT
cjfa-45177	537	8	a	a	DET
cjfa-45177	537	9	systematic	systematic	ADJ
cjfa-45177	537	10	review	review	NOUN
cjfa-45177	537	11	.	.	PUNCT
cjfa-45177	538	1	journal	journal	PROPN
cjfa-45177	538	2	of	of	ADP
cjfa-45177	538	3	african	african	ADJ
cjfa-45177	538	4	business	business	NOUN
cjfa-45177	538	5	,	,	PUNCT
cjfa-45177	538	6	27(2	27(2	PRON
cjfa-45177	538	7	)	)	PUNCT
cjfa-45177	538	8	,	,	PUNCT
cjfa-45177	538	9	1–30	1–30	PROPN
cjfa-45177	538	10	.	.	PUNCT
cjfa-45177	539	1	asongu	asongu	PROPN
cjfa-45177	539	2	s.a	s.a	PROPN
cjfa-45177	539	3	.	.	PROPN
cjfa-45177	539	4	,	,	PUNCT
cjfa-45177	539	5	nwachukwu	nwachukwu	PROPN
cjfa-45177	539	6	,	,	PUNCT
cjfa-45177	539	7	j.c	j.c	PROPN
cjfa-45177	539	8	.	.	PROPN
cjfa-45177	539	9	,	,	PUNCT
cjfa-45177	539	10	&	&	CCONJ
cjfa-45177	539	11	orim	orim	PROPN
cjfa-45177	539	12	,	,	PUNCT
cjfa-45177	539	13	s	s	PROPN
cjfa-45177	539	14	-	-	PUNCT
cjfa-45177	539	15	m.i	m.i	PROPN
cjfa-45177	539	16	.	.	PROPN
cjfa-45177	539	17	(	(	PUNCT
cjfa-45177	539	18	2018	2018	NUM
cjfa-45177	539	19	)	)	PUNCT
cjfa-45177	539	20	.	.	PUNCT
cjfa-45177	540	1	mobile	mobile	ADJ
cjfa-45177	540	2	phones	phone	NOUN
cjfa-45177	540	3	,	,	PUNCT
cjfa-45177	540	4	institutional	institutional	ADJ
cjfa-45177	540	5	quality	quality	NOUN
cjfa-45177	540	6	and	and	CCONJ
cjfa-45177	540	7	entrepreneurship	entrepreneurship	NOUN
cjfa-45177	540	8	in	in	ADP
cjfa-45177	540	9	sub	sub	ADJ
cjfa-45177	540	10	-	-	ADJ
cjfa-45177	540	11	saharan	saharan	ADJ
cjfa-45177	540	12	africa	africa	PROPN
cjfa-45177	540	13	.	.	PUNCT
cjfa-45177	541	1	technological	technological	ADJ
cjfa-45177	541	2	forecasting	forecasting	NOUN
cjfa-45177	541	3	and	and	CCONJ
cjfa-45177	541	4	social	social	ADJ
cjfa-45177	541	5	change	change	NOUN
cjfa-45177	541	6	,	,	PUNCT
cjfa-45177	541	7	131(3	131(3	NUM
cjfa-45177	541	8	)	)	PUNCT
cjfa-45177	541	9	,	,	PUNCT
cjfa-45177	541	10	183–203	183–203	NUM
cjfa-45177	541	11	.	.	PUNCT
cjfa-45177	542	1	http://dx.doi.org/10.1016/j.techfore.2017.08.007	http://dx.doi.org/10.1016/j.techfore.2017.08.007	PROPN
cjfa-45177	542	2	.	.	PUNCT
cjfa-45177	542	3	augsburg	augsburg	PROPN
cjfa-45177	542	4	,	,	PUNCT
cjfa-45177	542	5	b.	b.	PROPN
cjfa-45177	542	6	,	,	PUNCT
cjfa-45177	542	7	de	de	PROPN
cjfa-45177	542	8	haas	haas	PROPN
cjfa-45177	542	9	,	,	PUNCT
cjfa-45177	542	10	r.	r.	PROPN
cjfa-45177	542	11	,	,	PUNCT
cjfa-45177	542	12	harmgart	harmgart	PROPN
cjfa-45177	542	13	,	,	PUNCT
cjfa-45177	542	14	h.	h.	PROPN
cjfa-45177	542	15	,	,	PUNCT
cjfa-45177	542	16	&	&	CCONJ
cjfa-45177	542	17	meghir	meghir	NOUN
cjfa-45177	542	18	,	,	PUNCT
cjfa-45177	542	19	c.	c.	PROPN
cjfa-45177	542	20	(	(	PUNCT
cjfa-45177	542	21	2015	2015	NUM
cjfa-45177	542	22	)	)	PUNCT
cjfa-45177	542	23	.	.	PUNCT
cjfa-45177	543	1	the	the	DET
cjfa-45177	543	2	impacts	impact	NOUN
cjfa-45177	543	3	of	of	ADP
cjfa-45177	543	4	microcredit	microcredit	NOUN
cjfa-45177	543	5	:	:	PUNCT
cjfa-45177	543	6	evidence	evidence	NOUN
cjfa-45177	543	7	from	from	ADP
cjfa-45177	543	8	bosnia	bosnia	PROPN
cjfa-45177	543	9	and	and	CCONJ
cjfa-45177	543	10	herzegovina	herzegovina	PROPN
cjfa-45177	543	11	.	.	PUNCT
cjfa-45177	544	1	american	american	ADJ
cjfa-45177	544	2	economic	economic	PROPN
cjfa-45177	544	3	journal	journal	PROPN
cjfa-45177	544	4	.	.	PUNCT
cjfa-45177	545	1	applied	apply	VERB
cjfa-45177	545	2	economics	economic	NOUN
cjfa-45177	545	3	,	,	PUNCT
cjfa-45177	545	4	7(1	7(1	NUM
cjfa-45177	545	5	)	)	PUNCT
cjfa-45177	545	6	,	,	PUNCT
cjfa-45177	545	7	183–203	183–203	NUM
cjfa-45177	545	8	.	.	PUNCT
cjfa-45177	546	1	http://dx.doi.org/10.1257/app.20130272	http://dx.doi.org/10.1257/app.20130272	PROPN
cjfa-45177	546	2	.	.	PUNCT
cjfa-45177	547	1	ayyagari	ayyagari	PROPN
cjfa-45177	547	2	,	,	PUNCT
cjfa-45177	547	3	m.	m.	NOUN
cjfa-45177	547	4	,	,	PUNCT
cjfa-45177	547	5	&	&	CCONJ
cjfa-45177	547	6	beck	beck	PROPN
cjfa-45177	547	7	,	,	PUNCT
cjfa-45177	547	8	t.	t.	PROPN
cjfa-45177	547	9	(	(	PUNCT
cjfa-45177	547	10	2015	2015	NUM
cjfa-45177	547	11	)	)	PUNCT
cjfa-45177	547	12	.	.	PUNCT
cjfa-45177	548	1	financial	financial	ADJ
cjfa-45177	548	2	inclusion	inclusion	NOUN
cjfa-45177	548	3	in	in	ADP
cjfa-45177	548	4	asia	asia	PROPN
cjfa-45177	548	5	:	:	PUNCT
cjfa-45177	548	6	an	an	DET
cjfa-45177	548	7	overview	overview	NOUN
cjfa-45177	548	8	.	.	PUNCT
cjfa-45177	549	1	adb	adb	PROPN
cjfa-45177	549	2	economics	economic	NOUN
cjfa-45177	549	3	working	working	PROPN
cjfa-45177	549	4	paper	paper	NOUN
cjfa-45177	549	5	series	series	NOUN
cjfa-45177	549	6	,	,	PUNCT
cjfa-45177	549	7	449	449	NUM
cjfa-45177	549	8	,	,	PUNCT
cjfa-45177	549	9	1–21	1–21	PROPN
cjfa-45177	549	10	.	.	PUNCT
cjfa-45177	550	1	banerjee	banerjee	PROPN
cjfa-45177	550	2	,	,	PUNCT
cjfa-45177	550	3	a.v	a.v	PROPN
cjfa-45177	550	4	.	.	PROPN
cjfa-45177	550	5	,	,	PUNCT
cjfa-45177	550	6	&	&	CCONJ
cjfa-45177	550	7	newman	newman	PROPN
cjfa-45177	550	8	,	,	PUNCT
cjfa-45177	550	9	a.f	a.f	PROPN
cjfa-45177	550	10	.	.	PROPN
cjfa-45177	550	11	(	(	PUNCT
cjfa-45177	550	12	1993	1993	NUM
cjfa-45177	550	13	)	)	PUNCT
cjfa-45177	550	14	.	.	PUNCT
cjfa-45177	551	1	occupational	occupational	ADJ
cjfa-45177	551	2	choice	choice	NOUN
cjfa-45177	551	3	and	and	CCONJ
cjfa-45177	551	4	the	the	DET
cjfa-45177	551	5	process	process	NOUN
cjfa-45177	551	6	of	of	ADP
cjfa-45177	551	7	development	development	NOUN
cjfa-45177	551	8	.	.	PUNCT
cjfa-45177	552	1	journal	journal	PROPN
cjfa-45177	552	2	of	of	ADP
cjfa-45177	552	3	political	political	ADJ
cjfa-45177	552	4	econmy	econmy	PROPN
cjfa-45177	552	5	,	,	PUNCT
cjfa-45177	552	6	101(2	101(2	NUM
cjfa-45177	552	7	)	)	PUNCT
cjfa-45177	552	8	,	,	PUNCT
cjfa-45177	552	9	274–298	274–298	NUM
cjfa-45177	552	10	.	.	PUNCT
cjfa-45177	553	1	http://dx.doi.org/10.1086/261876	http://dx.doi.org/10.1086/261876	PROPN
cjfa-45177	553	2	.	.	PUNCT
cjfa-45177	554	1	banna	banna	PROPN
cjfa-45177	554	2	,	,	PUNCT
cjfa-45177	554	3	h.	h.	PROPN
cjfa-45177	554	4	,	,	PUNCT
cjfa-45177	554	5	hassan	hassan	PROPN
cjfa-45177	554	6	,	,	PUNCT
cjfa-45177	554	7	m.k	m.k	PROPN
cjfa-45177	554	8	.	.	PROPN
cjfa-45177	554	9	,	,	PUNCT
cjfa-45177	554	10	&	&	CCONJ
cjfa-45177	554	11	rashid	rashid	PROPN
cjfa-45177	554	12	,	,	PUNCT
cjfa-45177	554	13	m.	m.	NOUN
cjfa-45177	554	14	(	(	PUNCT
cjfa-45177	554	15	2021	2021	NUM
cjfa-45177	554	16	)	)	PUNCT
cjfa-45177	554	17	.	.	PUNCT
cjfa-45177	555	1	fintech	fintech	NOUN
cjfa-45177	555	2	-	-	PUNCT
cjfa-45177	555	3	based	base	VERB
cjfa-45177	555	4	financial	financial	ADJ
cjfa-45177	555	5	inclusion	inclusion	NOUN
cjfa-45177	555	6	and	and	CCONJ
cjfa-45177	555	7	bank	bank	NOUN
cjfa-45177	555	8	risk	risk	NOUN
cjfa-45177	555	9	-	-	PUNCT
cjfa-45177	555	10	taking	taking	NOUN
cjfa-45177	555	11	:	:	PUNCT
cjfa-45177	555	12	evidence	evidence	NOUN
cjfa-45177	555	13	from	from	ADP
cjfa-45177	555	14	oic	oic	PROPN
cjfa-45177	555	15	countries	country	NOUN
cjfa-45177	555	16	.	.	PUNCT
cjfa-45177	556	1	journal	journal	PROPN
cjfa-45177	556	2	of	of	ADP
cjfa-45177	556	3	international	international	ADJ
cjfa-45177	556	4	financial	financial	ADJ
cjfa-45177	556	5	markets	market	NOUN
cjfa-45177	556	6	,	,	PUNCT
cjfa-45177	556	7	institutions	institution	NOUN
cjfa-45177	556	8	and	and	CCONJ
cjfa-45177	556	9	money	money	NOUN
cjfa-45177	556	10	,	,	PUNCT
cjfa-45177	556	11	75	75	NUM
cjfa-45177	556	12	,	,	PUNCT
cjfa-45177	556	13	101447	101447	NUM
cjfa-45177	556	14	.	.	PUNCT
cjfa-45177	557	1	barnabe	barnabe	PROPN
cjfa-45177	557	2	,	,	PUNCT
cjfa-45177	557	3	a.y	a.y	PROPN
cjfa-45177	557	4	.	.	PROPN
cjfa-45177	558	1	(	(	PUNCT
cjfa-45177	558	2	2021	2021	NUM
cjfa-45177	558	3	)	)	PUNCT
cjfa-45177	558	4	.	.	PUNCT
cjfa-45177	559	1	migrant	migrant	ADJ
cjfa-45177	559	2	remittances	remittance	NOUN
cjfa-45177	559	3	and	and	CCONJ
cjfa-45177	559	4	financial	financial	ADJ
cjfa-45177	559	5	inclusion	inclusion	NOUN
cjfa-45177	559	6	in	in	ADP
cjfa-45177	559	7	africa	africa	PROPN
cjfa-45177	559	8	:	:	PUNCT
cjfa-45177	559	9	a	a	DET
cjfa-45177	559	10	dynamic	dynamic	ADJ
cjfa-45177	559	11	and	and	CCONJ
cjfa-45177	559	12	long	long	ADV
cjfa-45177	559	13	-	-	PUNCT
cjfa-45177	559	14	run	run	NOUN
cjfa-45177	559	15	approach	approach	NOUN
cjfa-45177	559	16	.	.	PUNCT
cjfa-45177	560	1	in	in	ADP
cjfa-45177	560	2	e.	e.	PROPN
cjfa-45177	560	3	osabuohien	osabuohien	PROPN
cjfa-45177	560	4	,	,	PUNCT
cjfa-45177	560	5	e.a	e.a	PROPN
cjfa-45177	560	6	.	.	PROPN
cjfa-45177	560	7	oduntan	oduntan	PROPN
cjfa-45177	560	8	,	,	PUNCT
cjfa-45177	560	9	o.	o.	PROPN
cjfa-45177	560	10	gershon	gershon	PROPN
cjfa-45177	560	11	,	,	PUNCT
cjfa-45177	560	12	o.t	o.t	PROPN
cjfa-45177	560	13	.	.	PROPN
cjfa-45177	560	14	onanuga	onanuga	PROPN
cjfa-45177	560	15	,	,	PUNCT
cjfa-45177	560	16	o.	o.	PROPN
cjfa-45177	560	17	ola	ola	PROPN
cjfa-45177	560	18	-	-	PUNCT
cjfa-45177	560	19	david	david	PROPN
cjfa-45177	560	20	(	(	PUNCT
cjfa-45177	560	21	eds	eds	PROPN
cjfa-45177	560	22	.	.	PUNCT
cjfa-45177	560	23	)	)	PUNCT
cjfa-45177	560	24	.	.	PUNCT
cjfa-45177	561	1	handbook	handbook	NOUN
cjfa-45177	561	2	of	of	ADP
cjfa-45177	561	3	research	research	NOUN
cjfa-45177	561	4	on	on	ADP
cjfa-45177	561	5	institution	institution	NOUN
cjfa-45177	561	6	development	development	NOUN
cjfa-45177	561	7	for	for	ADP
cjfa-45177	561	8	sustainable	sustainable	ADJ
cjfa-45177	561	9	and	and	CCONJ
cjfa-45177	561	10	inclusive	inclusive	ADJ
cjfa-45177	561	11	economic	economic	ADJ
cjfa-45177	561	12	growth	growth	NOUN
cjfa-45177	561	13	in	in	ADP
cjfa-45177	561	14	africa	africa	PROPN
cjfa-45177	561	15	.	.	PUNCT
cjfa-45177	562	1	hershey	hershey	PROPN
cjfa-45177	562	2	:	:	PUNCT
cjfa-45177	562	3	igi	igi	PROPN
cjfa-45177	562	4	global	global	PROPN
cjfa-45177	562	5	.	.	PUNCT
cjfa-45177	563	1	impacts	impact	NOUN
cjfa-45177	563	2	of	of	ADP
cjfa-45177	563	3	fintech	fintech	NOUN
cjfa-45177	563	4	on	on	ADP
cjfa-45177	563	5	financial	financial	ADJ
cjfa-45177	563	6	inclusion	inclusion	NOUN
cjfa-45177	563	7	…	…	PUNCT
cjfa-45177	563	8	8585	8585	NUM
cjfa-45177	563	9	baum	baum	PROPN
cjfa-45177	563	10	,	,	PUNCT
cjfa-45177	563	11	a.w	a.w	PROPN
cjfa-45177	563	12	.	.	PROPN
cjfa-45177	563	13	,	,	PUNCT
cjfa-45177	563	14	cristina	cristina	PROPN
cjfa-45177	563	15	c.	c.	PROPN
cjfa-45177	563	16	,	,	PUNCT
cjfa-45177	563	17	&	&	CCONJ
cjfa-45177	563	18	rother	rother	PROPN
cjfa-45177	563	19	,	,	PUNCT
cjfa-45177	563	20	p.	p.	NOUN
cjfa-45177	563	21	(	(	PUNCT
cjfa-45177	563	22	2012	2012	NUM
cjfa-45177	563	23	)	)	PUNCT
cjfa-45177	563	24	.	.	PUNCT
cjfa-45177	564	1	debt	debt	NOUN
cjfa-45177	564	2	and	and	CCONJ
cjfa-45177	564	3	growth	growth	NOUN
cjfa-45177	564	4	:	:	PUNCT
cjfa-45177	564	5	new	new	ADJ
cjfa-45177	564	6	evidence	evidence	NOUN
cjfa-45177	564	7	for	for	ADP
cjfa-45177	564	8	the	the	DET
cjfa-45177	564	9	euro	euro	PROPN
cjfa-45177	564	10	area	area	NOUN
cjfa-45177	564	11	.	.	PUNCT
cjfa-45177	565	1	14th	14th	ADJ
cjfa-45177	565	2	public	public	ADJ
cjfa-45177	565	3	finance	finance	NOUN
cjfa-45177	565	4	workshop	workshop	NOUN
cjfa-45177	565	5	,	,	PUNCT
cjfa-45177	565	6	banca	banca	PROPN
cjfa-45177	565	7	dítalia	dítalia	PROPN
cjfa-45177	565	8	,	,	PUNCT
cjfa-45177	565	9	29–31	29–31	PROPN
cjfa-45177	565	10	.	.	PUNCT
cjfa-45177	565	11	beck	beck	PROPN
cjfa-45177	565	12	,	,	PUNCT
cjfa-45177	565	13	t.	t.	PROPN
cjfa-45177	565	14	,	,	PUNCT
cjfa-45177	565	15	a.	a.	PROPN
cjfa-45177	565	16	demirgüç	demirgüç	PROPN
cjfa-45177	565	17	-	-	PUNCT
cjfa-45177	565	18	kunt	kunt	PROPN
cjfa-45177	565	19	,	,	PUNCT
cjfa-45177	565	20	&	&	CCONJ
cjfa-45177	565	21	r.	r.	PROPN
cjfa-45177	565	22	levine	levine	PROPN
cjfa-45177	565	23	.	.	PUNCT
cjfa-45177	566	1	(	(	PUNCT
cjfa-45177	566	2	2007	2007	NUM
cjfa-45177	566	3	)	)	PUNCT
cjfa-45177	566	4	.	.	PUNCT
cjfa-45177	567	1	finance	finance	NOUN
cjfa-45177	567	2	,	,	PUNCT
cjfa-45177	567	3	inequality	inequality	NOUN
cjfa-45177	567	4	and	and	CCONJ
cjfa-45177	567	5	the	the	DET
cjfa-45177	567	6	poor	poor	ADJ
cjfa-45177	567	7	.	.	PUNCT
cjfa-45177	568	1	journal	journal	NOUN
cjfa-45177	568	2	of	of	ADP
cjfa-45177	568	3	economic	economic	ADJ
cjfa-45177	568	4	growth	growth	NOUN
cjfa-45177	568	5	,	,	PUNCT
cjfa-45177	568	6	12(1	12(1	NUM
cjfa-45177	568	7	)	)	PUNCT
cjfa-45177	568	8	,	,	PUNCT
cjfa-45177	568	9	27–49	27–49	NUM
cjfa-45177	568	10	.	.	PUNCT
cjfa-45177	569	1	http://dx.doi.org/10.1007/s10887-007-9010-6	http://dx.doi.org/10.1007/s10887-007-9010-6	PROPN
cjfa-45177	569	2	.	.	PUNCT
cjfa-45177	569	3	bhandari	bhandari	PROPN
cjfa-45177	569	4	,	,	PUNCT
cjfa-45177	569	5	b.s	b.s	PROPN
cjfa-45177	569	6	.	.	PROPN
cjfa-45177	570	1	(	(	PUNCT
cjfa-45177	570	2	2018	2018	NUM
cjfa-45177	570	3	)	)	PUNCT
cjfa-45177	570	4	.	.	PUNCT
cjfa-45177	571	1	life	life	NOUN
cjfa-45177	571	2	insurance	insurance	NOUN
cjfa-45177	571	3	-	-	PUNCT
cjfa-45177	571	4	social	social	ADJ
cjfa-45177	571	5	security	security	NOUN
cjfa-45177	571	6	et	et	PROPN
cjfa-45177	571	7	financial	financial	ADJ
cjfa-45177	571	8	inclusion	inclusion	PROPN
cjfa-45177	571	9	.	.	PUNCT
cjfa-45177	572	1	bimaquest	bimaqu	ADJ
cjfa-45177	572	2	,	,	PUNCT
cjfa-45177	572	3	18(2	18(2	NUM
cjfa-45177	572	4	)	)	PUNCT
cjfa-45177	572	5	,	,	PUNCT
cjfa-45177	572	6	18–32	18–32	NUM
cjfa-45177	572	7	.	.	PUNCT
cjfa-45177	572	8	chuc	chuc	PROPN
cjfa-45177	572	9	,	,	PUNCT
cjfa-45177	572	10	a.	a.	PROPN
cjfa-45177	572	11	,	,	PUNCT
cjfa-45177	572	12	li	li	PROPN
cjfa-45177	572	13	,	,	PUNCT
cjfa-45177	572	14	w.	w.	PROPN
cjfa-45177	572	15	,	,	PUNCT
cjfa-45177	572	16	phi	phi	NOUN
cjfa-45177	572	17	,	,	PUNCT
cjfa-45177	572	18	n.	n.	NOUN
cjfa-45177	572	19	,	,	PUNCT
cjfa-45177	572	20	le	le	X
cjfa-45177	572	21	,	,	PUNCT
cjfa-45177	572	22	q.	q.	PROPN
cjfa-45177	572	23	,	,	PUNCT
cjfa-45177	572	24	yoshino	yoshino	PROPN
cjfa-45177	572	25	,	,	PUNCT
cjfa-45177	572	26	n.	n.	NOUN
cjfa-45177	572	27	,	,	PUNCT
cjfa-45177	572	28	&	&	CCONJ
cjfa-45177	572	29	taghizadeh	taghizadeh	PROPN
cjfa-45177	572	30	-	-	PUNCT
cjfa-45177	572	31	hesary	hesary	PROPN
cjfa-45177	572	32	,	,	PUNCT
cjfa-45177	572	33	f.	f.	PROPN
cjfa-45177	572	34	(	(	PUNCT
cjfa-45177	572	35	2021	2021	NUM
cjfa-45177	572	36	)	)	PUNCT
cjfa-45177	572	37	.	.	PUNCT
cjfa-45177	573	1	the	the	DET
cjfa-45177	573	2	necessity	necessity	NOUN
cjfa-45177	573	3	of	of	ADP
cjfa-45177	573	4	financial	financial	ADJ
cjfa-45177	573	5	inclusion	inclusion	NOUN
cjfa-45177	573	6	for	for	ADP
cjfa-45177	573	7	enhancing	enhance	VERB
cjfa-45177	573	8	the	the	DET
cjfa-45177	573	9	economic	economic	ADJ
cjfa-45177	573	10	impacts	impact	NOUN
cjfa-45177	573	11	of	of	ADP
cjfa-45177	573	12	remittances	remittance	NOUN
cjfa-45177	573	13	.	.	PUNCT
cjfa-45177	574	1	borsa	borsa	PROPN
cjfa-45177	574	2	istanbul	istanbul	PROPN
cjfa-45177	574	3	review	review	PROPN
cjfa-45177	574	4	,	,	PUNCT
cjfa-45177	574	5	72(2	72(2	NOUN
cjfa-45177	574	6	)	)	PUNCT
cjfa-45177	574	7	,	,	PUNCT
cjfa-45177	574	8	34–49	34–49	NUM
cjfa-45177	574	9	.	.	PUNCT
cjfa-45177	575	1	http://dx.doi.org/10.1080/15228916.2017.1396791	http://dx.doi.org/10.1080/15228916.2017.1396791	PROPN
cjfa-45177	575	2	.	.	PUNCT
cjfa-45177	576	1	demir	demir	PROPN
cjfa-45177	576	2	,	,	PUNCT
cjfa-45177	576	3	e.	e.	PROPN
cjfa-45177	576	4	,	,	PUNCT
cjfa-45177	576	5	bilgin	bilgin	NOUN
cjfa-45177	576	6	,	,	PUNCT
cjfa-45177	576	7	m.h	m.h	PROPN
cjfa-45177	576	8	.	.	PROPN
cjfa-45177	576	9	,	,	PUNCT
cjfa-45177	576	10	karabulut	karabulut	PROPN
cjfa-45177	576	11	,	,	PUNCT
cjfa-45177	576	12	g.	g.	PROPN
cjfa-45177	576	13	,	,	PUNCT
cjfa-45177	576	14	&	&	CCONJ
cjfa-45177	576	15	doker	doker	PROPN
cjfa-45177	576	16	,	,	PUNCT
cjfa-45177	576	17	a.c	a.c	PROPN
cjfa-45177	576	18	.	.	PROPN
cjfa-45177	577	1	(	(	PUNCT
cjfa-45177	577	2	2020	2020	NUM
cjfa-45177	577	3	)	)	PUNCT
cjfa-45177	577	4	.	.	PUNCT
cjfa-45177	578	1	the	the	DET
cjfa-45177	578	2	relationship	relationship	NOUN
cjfa-45177	578	3	between	between	ADP
cjfa-45177	578	4	cryptocurrencies	cryptocurrencie	NOUN
cjfa-45177	578	5	and	and	CCONJ
cjfa-45177	578	6	covid-19	covid-19	PROPN
cjfa-45177	578	7	pandemic	pandemic	NOUN
cjfa-45177	578	8	.	.	PUNCT
cjfa-45177	579	1	eurasian	eurasian	PROPN
cjfa-45177	579	2	econ	econ	PROPN
cjfa-45177	579	3	review	review	PROPN
cjfa-45177	579	4	,	,	PUNCT
cjfa-45177	579	5	10	10	NUM
cjfa-45177	579	6	,	,	PUNCT
cjfa-45177	579	7	349–360	349–360	NUM
cjfa-45177	579	8	.	.	PUNCT
cjfa-45177	580	1	https://doi.org/10.1007/s40822-020-00154-1	https://doi.org/10.1007/s40822-020-00154-1	PROPN
cjfa-45177	580	2	.	.	PUNCT
cjfa-45177	581	1	demir	demir	PROPN
cjfa-45177	581	2	,	,	PUNCT
cjfa-45177	581	3	e.	e.	PROPN
cjfa-45177	581	4	,	,	PUNCT
cjfa-45177	581	5	gozgor	gozgor	ADJ
cjfa-45177	581	6	,	,	PUNCT
cjfa-45177	581	7	g.	g.	PROPN
cjfa-45177	581	8	,	,	PUNCT
cjfa-45177	581	9	lau	lau	PROPN
cjfa-45177	581	10	,	,	PUNCT
cjfa-45177	581	11	chi	chi	PROPN
cjfa-45177	581	12	k.	k.	PROPN
cjfa-45177	581	13	,	,	PUNCT
cjfa-45177	581	14	&	&	CCONJ
cjfa-45177	581	15	vigne	vigne	PROPN
cjfa-45177	581	16	,	,	PUNCT
cjfa-45177	581	17	s.a	s.a	PROPN
cjfa-45177	581	18	.	.	PROPN
cjfa-45177	581	19	(	(	PUNCT
cjfa-45177	581	20	2019	2019	NUM
cjfa-45177	581	21	)	)	PUNCT
cjfa-45177	581	22	.	.	PUNCT
cjfa-45177	582	1	does	do	AUX
cjfa-45177	582	2	economic	economic	ADJ
cjfa-45177	582	3	policy	policy	NOUN
cjfa-45177	582	4	uncertainty	uncertainty	NOUN
cjfa-45177	582	5	predict	predict	VERB
cjfa-45177	582	6	the	the	DET
cjfa-45177	582	7	bitcoin	bitcoin	ADJ
cjfa-45177	582	8	returns	return	NOUN
cjfa-45177	582	9	?	?	PUNCT
cjfa-45177	583	1	an	an	DET
cjfa-45177	583	2	empirical	empirical	ADJ
cjfa-45177	583	3	investigation	investigation	NOUN
cjfa-45177	583	4	.	.	PUNCT
cjfa-45177	584	1	finance	finance	NOUN
cjfa-45177	584	2	research	research	NOUN
cjfa-45177	584	3	letters	letter	NOUN
cjfa-45177	584	4	,	,	PUNCT
cjfa-45177	584	5	26	26	NUM
cjfa-45177	584	6	,	,	PUNCT
cjfa-45177	584	7	145–149	145–149	NUM
cjfa-45177	584	8	.	.	PUNCT
cjfa-45177	585	1	https://doi.org/10.1016/j.frl.2018.01.005	https://doi.org/10.1016/j.frl.2018.01.005	PROPN
cjfa-45177	585	2	.	.	PUNCT
cjfa-45177	586	1	demirgüç	demirgüç	PROPN
cjfa-45177	586	2	-	-	PUNCT
cjfa-45177	586	3	kunt	kunt	PROPN
cjfa-45177	586	4	,	,	PUNCT
cjfa-45177	586	5	a.	a.	PROPN
cjfa-45177	586	6	,	,	PUNCT
cjfa-45177	586	7	klapper	klapper	PROPN
cjfa-45177	586	8	,	,	PUNCT
cjfa-45177	586	9	l.	l.	PROPN
cjfa-45177	586	10	,	,	PUNCT
cjfa-45177	586	11	singer	singer	NOUN
cjfa-45177	586	12	,	,	PUNCT
cjfa-45177	586	13	d.	d.	PROPN
cjfa-45177	586	14	,	,	PUNCT
cjfa-45177	586	15	ansar	ansar	PROPN
cjfa-45177	586	16	,	,	PUNCT
cjfa-45177	586	17	s.	s.	PROPN
cjfa-45177	586	18	,	,	PUNCT
cjfa-45177	586	19	&	&	CCONJ
cjfa-45177	586	20	hess	hess	PROPN
cjfa-45177	586	21	,	,	PUNCT
cjfa-45177	586	22	j.	j.	PROPN
cjfa-45177	586	23	(	(	PUNCT
cjfa-45177	586	24	2018	2018	NUM
cjfa-45177	586	25	)	)	PUNCT
cjfa-45177	586	26	.	.	PUNCT
cjfa-45177	587	1	the	the	DET
cjfa-45177	587	2	global	global	ADJ
cjfa-45177	587	3	findex	findex	PROPN
cjfa-45177	587	4	database	database	PROPN
cjfa-45177	587	5	2017	2017	NUM
cjfa-45177	587	6	:	:	PUNCT
cjfa-45177	587	7	measuring	measure	VERB
cjfa-45177	587	8	financial	financial	ADJ
cjfa-45177	587	9	inclusion	inclusion	NOUN
cjfa-45177	587	10	and	and	CCONJ
cjfa-45177	587	11	the	the	DET
cjfa-45177	587	12	fintech	fintech	NOUN
cjfa-45177	587	13	revolution	revolution	NOUN
cjfa-45177	587	14	,	,	PUNCT
cjfa-45177	587	15	world	world	PROPN
cjfa-45177	587	16	bank	bank	PROPN
cjfa-45177	587	17	group	group	NOUN
cjfa-45177	587	18	.	.	PUNCT
cjfa-45177	588	1	https://openknowledge.worldbank.org/handle/10986/29510	https://openknowledge.worldbank.org/handle/10986/29510	PROPN
cjfa-45177	588	2	.	.	PROPN
cjfa-45177	588	3	dev	dev	PROPN
cjfa-45177	588	4	,	,	PUNCT
cjfa-45177	588	5	s.m	s.m	PROPN
cjfa-45177	588	6	.	.	PROPN
cjfa-45177	588	7	(	(	PUNCT
cjfa-45177	588	8	2006	2006	NUM
cjfa-45177	588	9	)	)	PUNCT
cjfa-45177	588	10	.	.	PUNCT
cjfa-45177	589	1	financial	financial	ADJ
cjfa-45177	589	2	inclusion	inclusion	NOUN
cjfa-45177	589	3	:	:	PUNCT
cjfa-45177	589	4	issues	issue	NOUN
cjfa-45177	589	5	and	and	CCONJ
cjfa-45177	589	6	challenges	challenge	NOUN
cjfa-45177	589	7	.	.	PUNCT
cjfa-45177	590	1	economic	economic	ADJ
cjfa-45177	590	2	and	and	CCONJ
cjfa-45177	590	3	political	political	ADJ
cjfa-45177	590	4	weekly	weekly	NOUN
cjfa-45177	590	5	,	,	PUNCT
cjfa-45177	590	6	27(17	27(17	NUM
cjfa-45177	590	7	)	)	PUNCT
cjfa-45177	590	8	,	,	PUNCT
cjfa-45177	590	9	4310–4313	4310–4313	NUM
cjfa-45177	590	10	.	.	PUNCT
cjfa-45177	590	11	djoufouet	djoufouet	PROPN
cjfa-45177	590	12	,	,	PUNCT
cjfa-45177	590	13	w.f	w.f	PROPN
cjfa-45177	590	14	.	.	PROPN
cjfa-45177	590	15	(	(	PUNCT
cjfa-45177	590	16	2019	2019	NUM
cjfa-45177	590	17	)	)	PUNCT
cjfa-45177	590	18	.	.	PUNCT
cjfa-45177	591	1	la	la	PROPN
cjfa-45177	591	2	microfinance	microfinance	PROPN
cjfa-45177	591	3	en	en	ADP
cjfa-45177	591	4	zones	zone	NOUN
cjfa-45177	591	5	rurales	rurale	NOUN
cjfa-45177	591	6	:	:	PUNCT
cjfa-45177	591	7	quel	quel	PROPN
cjfa-45177	591	8	bilan	bilan	PROPN
cjfa-45177	591	9	en	en	PROPN
cjfa-45177	591	10	afrique	afrique	PROPN
cjfa-45177	591	11	centrale	centrale	PROPN
cjfa-45177	591	12	?	?	PUNCT
cjfa-45177	592	1	journal	journal	NOUN
cjfa-45177	592	2	of	of	ADP
cjfa-45177	592	3	academic	academic	ADJ
cjfa-45177	592	4	finance	finance	NOUN
cjfa-45177	592	5	,	,	PUNCT
cjfa-45177	592	6	10(2	10(2	NUM
cjfa-45177	592	7	)	)	PUNCT
cjfa-45177	592	8	,	,	PUNCT
cjfa-45177	592	9	39–48	39–48	NUM
cjfa-45177	592	10	.	.	PUNCT
cjfa-45177	593	1	http://dx.doi.org/10.5281/zenodo.4836454	http://dx.doi.org/10.5281/zenodo.4836454	PROPN
cjfa-45177	593	2	.	.	PROPN
cjfa-45177	593	3	driscoll	driscoll	PROPN
cjfa-45177	593	4	,	,	PUNCT
cjfa-45177	593	5	j.	j.	PROPN
cjfa-45177	593	6	,	,	PUNCT
cjfa-45177	593	7	&	&	CCONJ
cjfa-45177	593	8	kraay	kraay	PROPN
cjfa-45177	593	9	a.c	a.c	PROPN
cjfa-45177	593	10	.	.	PROPN
cjfa-45177	593	11	(	(	PUNCT
cjfa-45177	593	12	1998	1998	NUM
cjfa-45177	593	13	)	)	PUNCT
cjfa-45177	593	14	.	.	PUNCT
cjfa-45177	594	1	consistent	consistent	ADJ
cjfa-45177	594	2	covariance	covariance	NOUN
cjfa-45177	594	3	matrix	matrix	NOUN
cjfa-45177	594	4	estimation	estimation	NOUN
cjfa-45177	594	5	with	with	ADP
cjfa-45177	594	6	spatially	spatially	ADV
cjfa-45177	594	7	dependent	dependent	ADJ
cjfa-45177	594	8	data	datum	NOUN
cjfa-45177	594	9	.	.	PUNCT
cjfa-45177	595	1	review	review	NOUN
cjfa-45177	595	2	of	of	ADP
cjfa-45177	595	3	economics	economic	NOUN
cjfa-45177	595	4	and	and	CCONJ
cjfa-45177	595	5	statistics	statistic	NOUN
cjfa-45177	595	6	,	,	PUNCT
cjfa-45177	595	7	80(2	80(2	NUM
cjfa-45177	595	8	)	)	PUNCT
cjfa-45177	595	9	,	,	PUNCT
cjfa-45177	595	10	549–560	549–560	NUM
cjfa-45177	595	11	.	.	PUNCT
cjfa-45177	596	1	http://dx.doi	http://dx.doi	NOUN
cjfa-45177	596	2	.	.	PUNCT
cjfa-45177	597	1	org/10.1162/003465398557825	org/10.1162/003465398557825	NOUN
cjfa-45177	597	2	.	.	PUNCT
cjfa-45177	598	1	emara	emara	PROPN
cjfa-45177	598	2	,	,	PUNCT
cjfa-45177	598	3	n.	n.	NOUN
cjfa-45177	598	4	,	,	PUNCT
cjfa-45177	598	5	&	&	CCONJ
cjfa-45177	598	6	el	el	PROPN
cjfa-45177	598	7	said	say	VERB
cjfa-45177	598	8	,	,	PUNCT
cjfa-45177	598	9	a.	a.	NOUN
cjfa-45177	598	10	(	(	PUNCT
cjfa-45177	598	11	2021	2021	NUM
cjfa-45177	598	12	)	)	PUNCT
cjfa-45177	598	13	.	.	PUNCT
cjfa-45177	599	1	financial	financial	ADJ
cjfa-45177	599	2	inclusion	inclusion	NOUN
cjfa-45177	599	3	and	and	CCONJ
cjfa-45177	599	4	economic	economic	ADJ
cjfa-45177	599	5	growth	growth	NOUN
cjfa-45177	599	6	:	:	PUNCT
cjfa-45177	599	7	the	the	DET
cjfa-45177	599	8	role	role	NOUN
cjfa-45177	599	9	of	of	ADP
cjfa-45177	599	10	governance	governance	NOUN
cjfa-45177	599	11	in	in	ADP
cjfa-45177	599	12	selected	select	VERB
cjfa-45177	599	13	mena	mena	PROPN
cjfa-45177	599	14	countries	country	NOUN
cjfa-45177	599	15	.	.	PUNCT
cjfa-45177	600	1	international	international	ADJ
cjfa-45177	600	2	review	review	NOUN
cjfa-45177	600	3	of	of	ADP
cjfa-45177	600	4	economics	economics	PROPN
cjfa-45177	600	5	et	et	PROPN
cjfa-45177	600	6	finance	finance	NOUN
cjfa-45177	600	7	,	,	PUNCT
cjfa-45177	600	8	75(2	75(2	NUM
cjfa-45177	600	9	)	)	PUNCT
cjfa-45177	600	10	,	,	PUNCT
cjfa-45177	600	11	34–54	34–54	NUM
cjfa-45177	600	12	.	.	PUNCT
cjfa-45177	600	13	fu	fu	PROPN
cjfa-45177	600	14	,	,	PUNCT
cjfa-45177	600	15	j.	j.	PROPN
cjfa-45177	600	16	,	,	PUNCT
cjfa-45177	600	17	&	&	CCONJ
cjfa-45177	600	18	mishra	mishra	PROPN
cjfa-45177	600	19	,	,	PUNCT
cjfa-45177	600	20	m.	m.	NOUN
cjfa-45177	600	21	(	(	PUNCT
cjfa-45177	600	22	2020	2020	NUM
cjfa-45177	600	23	)	)	PUNCT
cjfa-45177	600	24	.	.	PUNCT
cjfa-45177	601	1	the	the	DET
cjfa-45177	601	2	global	global	ADJ
cjfa-45177	601	3	impact	impact	NOUN
cjfa-45177	601	4	of	of	ADP
cjfa-45177	601	5	covid-19	covid-19	PROPN
cjfa-45177	601	6	on	on	ADP
cjfa-45177	601	7	fintech	fintech	NOUN
cjfa-45177	601	8	adoption	adoption	NOUN
cjfa-45177	601	9	.	.	PUNCT
cjfa-45177	602	1	swiss	swiss	ADJ
cjfa-45177	602	2	finance	finance	PROPN
cjfa-45177	602	3	institute	institute	PROPN
cjfa-45177	602	4	research	research	PROPN
cjfa-45177	602	5	paper	paper	NOUN
cjfa-45177	602	6	series	series	NOUN
cjfa-45177	602	7	,	,	PUNCT
cjfa-45177	602	8	20–38	20–38	NUM
cjfa-45177	602	9	.	.	PUNCT
cjfa-45177	603	1	http://dx.doi.org/10.2139/	http://dx.doi.org/10.2139/	NOUN
cjfa-45177	603	2	ssrn.3588453	ssrn.3588453	NOUN
cjfa-45177	603	3	.	.	PUNCT
cjfa-45177	604	1	gabor	gabor	PROPN
cjfa-45177	604	2	,	,	PUNCT
cjfa-45177	604	3	d.	d.	PROPN
cjfa-45177	604	4	,	,	PUNCT
cjfa-45177	604	5	&	&	CCONJ
cjfa-45177	604	6	brooks	brooks	PROPN
cjfa-45177	604	7	,	,	PUNCT
cjfa-45177	604	8	s.	s.	PROPN
cjfa-45177	604	9	(	(	PUNCT
cjfa-45177	604	10	2017	2017	NUM
cjfa-45177	604	11	)	)	PUNCT
cjfa-45177	604	12	the	the	DET
cjfa-45177	604	13	digital	digital	ADJ
cjfa-45177	604	14	revolution	revolution	NOUN
cjfa-45177	604	15	in	in	ADP
cjfa-45177	604	16	financial	financial	ADJ
cjfa-45177	604	17	inclusion	inclusion	NOUN
cjfa-45177	604	18	:	:	PUNCT
cjfa-45177	604	19	international	international	ADJ
cjfa-45177	604	20	development	development	NOUN
cjfa-45177	604	21	in	in	ADP
cjfa-45177	604	22	the	the	DET
cjfa-45177	604	23	fintech	fintech	NOUN
cjfa-45177	604	24	era	era	NOUN
cjfa-45177	604	25	.	.	PUNCT
cjfa-45177	605	1	new	new	ADJ
cjfa-45177	605	2	political	political	ADJ
cjfa-45177	605	3	economy	economy	NOUN
cjfa-45177	605	4	,	,	PUNCT
cjfa-45177	605	5	22(4	22(4	NUM
cjfa-45177	605	6	)	)	PUNCT
cjfa-45177	605	7	,	,	PUNCT
cjfa-45177	605	8	423–436	423–436	NUM
cjfa-45177	605	9	.	.	PUNCT
cjfa-45177	606	1	http://	http://	PROPN
cjfa-45177	606	2	dx.doi.org/10.1080/13563467.2017.1259298	dx.doi.org/10.1080/13563467.2017.1259298	PROPN
cjfa-45177	606	3	.	.	PROPN
cjfa-45177	607	1	gautam	gautam	PROPN
cjfa-45177	607	2	,	,	PUNCT
cjfa-45177	607	3	d.p	d.p	PROPN
cjfa-45177	607	4	.	.	PROPN
cjfa-45177	607	5	(	(	PUNCT
cjfa-45177	607	6	2019	2019	NUM
cjfa-45177	607	7	)	)	PUNCT
cjfa-45177	607	8	.	.	PUNCT
cjfa-45177	608	1	do	do	AUX
cjfa-45177	608	2	remittances	remittance	NOUN
cjfa-45177	608	3	promote	promote	VERB
cjfa-45177	608	4	financial	financial	ADJ
cjfa-45177	608	5	inclusion	inclusion	NOUN
cjfa-45177	608	6	?	?	PUNCT
cjfa-45177	609	1	economic	economic	ADJ
cjfa-45177	609	2	and	and	CCONJ
cjfa-45177	609	3	political	political	ADJ
cjfa-45177	609	4	institutions	institution	NOUN
cjfa-45177	609	5	and	and	CCONJ
cjfa-45177	609	6	development	development	NOUN
cjfa-45177	609	7	,	,	PUNCT
cjfa-45177	609	8	71(3	71(3	NUM
cjfa-45177	609	9	)	)	PUNCT
cjfa-45177	609	10	,	,	PUNCT
cjfa-45177	609	11	91–108	91–108	PROPN
cjfa-45177	609	12	.	.	PUNCT
cjfa-45177	610	1	geng	geng	PROPN
cjfa-45177	610	2	,	,	PUNCT
cjfa-45177	610	3	z.	z.	PROPN
cjfa-45177	610	4	,	,	PUNCT
cjfa-45177	610	5	&	&	CCONJ
cjfa-45177	610	6	he	he	PRON
cjfa-45177	610	7	,	,	PUNCT
cjfa-45177	610	8	g.	g.	PROPN
cjfa-45177	610	9	(	(	PUNCT
cjfa-45177	610	10	2021	2021	NUM
cjfa-45177	610	11	)	)	PUNCT
cjfa-45177	610	12	.	.	PUNCT
cjfa-45177	611	1	digital	digital	ADJ
cjfa-45177	611	2	financial	financial	ADJ
cjfa-45177	611	3	inclusion	inclusion	NOUN
cjfa-45177	611	4	and	and	CCONJ
cjfa-45177	611	5	sustainable	sustainable	ADJ
cjfa-45177	611	6	employment	employment	NOUN
cjfa-45177	611	7	:	:	PUNCT
cjfa-45177	611	8	evidence	evidence	NOUN
cjfa-45177	611	9	from	from	ADP
cjfa-45177	611	10	countries	country	NOUN
cjfa-45177	611	11	along	along	ADP
cjfa-45177	611	12	the	the	DET
cjfa-45177	611	13	belt	belt	NOUN
cjfa-45177	611	14	and	and	CCONJ
cjfa-45177	611	15	road	road	NOUN
cjfa-45177	611	16	.	.	PUNCT
cjfa-45177	612	1	borsa	borsa	PROPN
cjfa-45177	612	2	istanbul	istanbul	PROPN
cjfa-45177	612	3	review	review	PROPN
cjfa-45177	612	4	,	,	PUNCT
cjfa-45177	612	5	21(3	21(3	NUM
cjfa-45177	612	6	)	)	PUNCT
cjfa-45177	612	7	,	,	PUNCT
cjfa-45177	612	8	307–316	307–316	NUM
cjfa-45177	612	9	.	.	PUNCT
cjfa-45177	612	10	http://dx.doi.org/10.1016/j.bir.2021.04.004	http://dx.doi.org/10.1016/j.bir.2021.04.004	PROPN
cjfa-45177	612	11	.	.	PUNCT
cjfa-45177	613	1	ghosh	ghosh	PROPN
cjfa-45177	613	2	,	,	PUNCT
cjfa-45177	613	3	s.	s.	PROPN
cjfa-45177	613	4	(	(	PUNCT
cjfa-45177	613	5	2016	2016	NUM
cjfa-45177	613	6	)	)	PUNCT
cjfa-45177	613	7	.	.	PUNCT
cjfa-45177	614	1	does	do	AUX
cjfa-45177	614	2	mobile	mobile	ADJ
cjfa-45177	614	3	telephony	telephony	NOUN
cjfa-45177	614	4	spur	spur	NOUN
cjfa-45177	614	5	growth	growth	NOUN
cjfa-45177	614	6	?	?	PUNCT
cjfa-45177	615	1	evidence	evidence	NOUN
cjfa-45177	615	2	from	from	ADP
cjfa-45177	615	3	indian	indian	ADJ
cjfa-45177	615	4	states	state	NOUN
cjfa-45177	615	5	.	.	PUNCT
cjfa-45177	616	1	telecommunications	telecommunication	NOUN
cjfa-45177	616	2	policy	policy	NOUN
cjfa-45177	616	3	,	,	PUNCT
cjfa-45177	616	4	40(10–11	40(10–11	NUM
cjfa-45177	616	5	)	)	PUNCT
cjfa-45177	616	6	,	,	PUNCT
cjfa-45177	616	7	1020–1031	1020–1031	NUM
cjfa-45177	616	8	.	.	PUNCT
cjfa-45177	617	1	http://dx.doi.org/10.1016/j.telpol.2016.05.009	http://dx.doi.org/10.1016/j.telpol.2016.05.009	PROPN
cjfa-45177	617	2	.	.	PUNCT
cjfa-45177	618	1	wulli	wulli	PROPN
cjfa-45177	618	2	faustin	faustin	PROPN
cjfa-45177	618	3	djoufouet	djoufouet	PROPN
cjfa-45177	618	4	,	,	PUNCT
cjfa-45177	618	5	thierry	thierry	NOUN
cjfa-45177	618	6	messie	messie	PROPN
cjfa-45177	618	7	pondie8686	pondie8686	PROPN
cjfa-45177	618	8	ghosh	ghosh	PROPN
cjfa-45177	618	9	,	,	PUNCT
cjfa-45177	618	10	s.	s.	PROPN
cjfa-45177	618	11	(	(	PUNCT
cjfa-45177	618	12	2018	2018	NUM
cjfa-45177	618	13	)	)	PUNCT
cjfa-45177	618	14	.	.	PUNCT
cjfa-45177	619	1	does	do	AUX
cjfa-45177	619	2	mobile	mobile	ADJ
cjfa-45177	619	3	telephony	telephony	NOUN
cjfa-45177	619	4	spur	spur	NOUN
cjfa-45177	619	5	growth	growth	NOUN
cjfa-45177	619	6	?	?	PUNCT
cjfa-45177	620	1	evidence	evidence	NOUN
cjfa-45177	620	2	from	from	ADP
cjfa-45177	620	3	indian	indian	ADJ
cjfa-45177	620	4	states	state	NOUN
cjfa-45177	620	5	.	.	PUNCT
cjfa-45177	621	1	telecommunications	telecommunication	NOUN
cjfa-45177	621	2	policy	policy	NOUN
cjfa-45177	621	3	,	,	PUNCT
cjfa-45177	621	4	40(10–11	40(10–11	NUM
cjfa-45177	621	5	)	)	PUNCT
cjfa-45177	621	6	,	,	PUNCT
cjfa-45177	621	7	1020–1031	1020–1031	NUM
cjfa-45177	621	8	.	.	PUNCT
cjfa-45177	622	1	http://dx.doi.org/10.5281/zenodo.4836454	http://dx.doi.org/10.5281/zenodo.4836454	X
cjfa-45177	622	2	.	.	PUNCT
cjfa-45177	623	1	ghosh	ghosh	PROPN
cjfa-45177	623	2	,	,	PUNCT
cjfa-45177	623	3	s.	s.	PROPN
cjfa-45177	623	4	,	,	PUNCT
cjfa-45177	623	5	&	&	CCONJ
cjfa-45177	623	6	vinod	vinod	PROPN
cjfa-45177	623	7	,	,	PUNCT
cjfa-45177	623	8	d.	d.	PROPN
cjfa-45177	623	9	(	(	PUNCT
cjfa-45177	623	10	2017	2017	NUM
cjfa-45177	623	11	)	)	PUNCT
cjfa-45177	623	12	.	.	PUNCT
cjfa-45177	624	1	what	what	PRON
cjfa-45177	624	2	constrains	constrain	VERB
cjfa-45177	624	3	financial	financial	ADJ
cjfa-45177	624	4	inclusion	inclusion	NOUN
cjfa-45177	624	5	for	for	ADP
cjfa-45177	624	6	women	woman	NOUN
cjfa-45177	624	7	?	?	PUNCT
cjfa-45177	625	1	evidence	evidence	NOUN
cjfa-45177	625	2	from	from	ADP
cjfa-45177	625	3	indian	indian	PROPN
cjfa-45177	625	4	micro	micro	PROPN
cjfa-45177	625	5	data	data	PROPN
cjfa-45177	625	6	.	.	PUNCT
cjfa-45177	626	1	world	world	PROPN
cjfa-45177	626	2	development	development	PROPN
cjfa-45177	626	3	,	,	PUNCT
cjfa-45177	626	4	92(2	92(2	NUM
cjfa-45177	626	5	)	)	PUNCT
cjfa-45177	626	6	,	,	PUNCT
cjfa-45177	626	7	60–81	60–81	NUM
cjfa-45177	626	8	.	.	PUNCT
cjfa-45177	626	9	http://dx.doi.org/10.108	http://dx.doi.org/10.108	VERB
cjfa-45177	626	10	0/15228916.2017.1396791	0/15228916.2017.1396791	NOUN
cjfa-45177	626	11	.	.	PUNCT
cjfa-45177	627	1	gomber	gomber	PROPN
cjfa-45177	627	2	,	,	PUNCT
cjfa-45177	627	3	p.	p.	PROPN
cjfa-45177	627	4	,	,	PUNCT
cjfa-45177	627	5	koch	koch	PROPN
cjfa-45177	627	6	,	,	PUNCT
cjfa-45177	627	7	j.a	j.a	PROPN
cjfa-45177	627	8	.	.	PROPN
cjfa-45177	627	9	,	,	PUNCT
cjfa-45177	627	10	&	&	CCONJ
cjfa-45177	627	11	siering	siering	NOUN
cjfa-45177	627	12	,	,	PUNCT
cjfa-45177	627	13	m.	m.	NOUN
cjfa-45177	627	14	(	(	PUNCT
cjfa-45177	627	15	2017	2017	NUM
cjfa-45177	627	16	)	)	PUNCT
cjfa-45177	627	17	.	.	PUNCT
cjfa-45177	628	1	digital	digital	ADJ
cjfa-45177	628	2	finance	finance	NOUN
cjfa-45177	628	3	and	and	CCONJ
cjfa-45177	628	4	fintech	fintech	NOUN
cjfa-45177	628	5	:	:	PUNCT
cjfa-45177	628	6	current	current	ADJ
cjfa-45177	628	7	research	research	NOUN
cjfa-45177	628	8	and	and	CCONJ
cjfa-45177	628	9	future	future	ADJ
cjfa-45177	628	10	research	research	NOUN
cjfa-45177	628	11	directions	direction	NOUN
cjfa-45177	628	12	,	,	PUNCT
cjfa-45177	628	13	journal	journal	NOUN
cjfa-45177	628	14	of	of	ADP
cjfa-45177	628	15	business	business	NOUN
cjfa-45177	628	16	economics	economic	NOUN
cjfa-45177	628	17	,	,	PUNCT
cjfa-45177	628	18	67(5	67(5	NUM
cjfa-45177	628	19	)	)	PUNCT
cjfa-45177	628	20	,	,	PUNCT
cjfa-45177	628	21	537	537	NUM
cjfa-45177	628	22	–	–	PUNCT
cjfa-45177	628	23	 	 	SPACE
cjfa-45177	628	24	580	580	NUM
cjfa-45177	628	25	.	.	PUNCT
cjfa-45177	629	1	http://dx.doi.org/10.1007/s11573-017-0852-x	http://dx.doi.org/10.1007/s11573-017-0852-x	X
cjfa-45177	629	2	.	.	PUNCT
cjfa-45177	629	3	gosavi	gosavi	PROPN
cjfa-45177	629	4	,	,	PUNCT
cjfa-45177	629	5	a.	a.	NOUN
cjfa-45177	629	6	(	(	PUNCT
cjfa-45177	629	7	2018	2018	NUM
cjfa-45177	629	8	)	)	PUNCT
cjfa-45177	629	9	.	.	PUNCT
cjfa-45177	630	1	can	can	AUX
cjfa-45177	630	2	mobile	mobile	VERB
cjfa-45177	630	3	money	money	NOUN
cjfa-45177	630	4	help	help	VERB
cjfa-45177	630	5	firms	firm	NOUN
cjfa-45177	630	6	mitigate	mitigate	VERB
cjfa-45177	630	7	the	the	DET
cjfa-45177	630	8	problem	problem	NOUN
cjfa-45177	630	9	of	of	ADP
cjfa-45177	630	10	access	access	NOUN
cjfa-45177	630	11	to	to	ADP
cjfa-45177	630	12	finance	finance	NOUN
cjfa-45177	630	13	in	in	ADP
cjfa-45177	630	14	eastern	eastern	ADJ
cjfa-45177	630	15	sub	sub	ADJ
cjfa-45177	630	16	-	-	ADJ
cjfa-45177	630	17	saharan	saharan	ADJ
cjfa-45177	630	18	africa	africa	PROPN
cjfa-45177	630	19	?	?	PUNCT
cjfa-45177	631	1	journal	journal	PROPN
cjfa-45177	631	2	of	of	ADP
cjfa-45177	631	3	african	african	ADJ
cjfa-45177	631	4	business	business	NOUN
cjfa-45177	631	5	,	,	PUNCT
cjfa-45177	631	6	19(3	19(3	NUM
cjfa-45177	631	7	)	)	PUNCT
cjfa-45177	631	8	,	,	PUNCT
cjfa-45177	631	9	343–360	343–360	NUM
cjfa-45177	631	10	.	.	PUNCT
cjfa-45177	632	1	http://dx.doi.org/10.1080/15228916.2017.1396791	http://dx.doi.org/10.1080/15228916.2017.1396791	NOUN
cjfa-45177	632	2	.	.	PUNCT
cjfa-45177	633	1	hoechle	hoechle	PROPN
cjfa-45177	633	2	,	,	PUNCT
cjfa-45177	633	3	d.	d.	PROPN
cjfa-45177	633	4	(	(	PUNCT
cjfa-45177	633	5	2007	2007	NUM
cjfa-45177	633	6	)	)	PUNCT
cjfa-45177	633	7	.	.	PUNCT
cjfa-45177	634	1	robust	robust	ADJ
cjfa-45177	634	2	standard	standard	ADJ
cjfa-45177	634	3	errors	error	NOUN
cjfa-45177	634	4	for	for	ADP
cjfa-45177	634	5	panel	panel	NOUN
cjfa-45177	634	6	regressions	regression	NOUN
cjfa-45177	634	7	with	with	ADP
cjfa-45177	634	8	crosssectional	crosssectional	ADJ
cjfa-45177	634	9	dependence	dependence	NOUN
cjfa-45177	634	10	.	.	PUNCT
cjfa-45177	635	1	the	the	DET
cjfa-45177	635	2	stata	stata	PROPN
cjfa-45177	635	3	journal	journal	NOUN
cjfa-45177	635	4	,	,	PUNCT
cjfa-45177	635	5	7(3	7(3	NUM
cjfa-45177	635	6	)	)	PUNCT
cjfa-45177	635	7	,	,	PUNCT
cjfa-45177	635	8	281–312	281–312	NUM
cjfa-45177	635	9	.	.	PUNCT
cjfa-45177	636	1	http://dx.doi.org/	http://dx.doi.org/	PROPN
cjfa-45177	636	2	10.1177/1536867x0700700301	10.1177/1536867x0700700301	PROPN
cjfa-45177	636	3	.	.	PUNCT
cjfa-45177	637	1	junior	junior	PROPN
cjfa-45177	637	2	,	,	PUNCT
cjfa-45177	637	3	a.m.	a.m.	ADV
cjfa-45177	637	4	,	,	PUNCT
cjfa-45177	637	5	andoh	andoh	PROPN
cjfa-45177	637	6	,	,	PUNCT
cjfa-45177	637	7	e.	e.	PROPN
cjfa-45177	637	8	,	,	PUNCT
cjfa-45177	637	9	gatsi	gatsi	PROPN
cjfa-45177	637	10	,	,	PUNCT
cjfa-45177	637	11	j.g	j.g	PROPN
cjfa-45177	637	12	.	.	PROPN
cjfa-45177	637	13	,	,	PUNCT
cjfa-45177	637	14	&	&	CCONJ
cjfa-45177	637	15	kawor	kawor	PROPN
cjfa-45177	637	16	,	,	PUNCT
cjfa-45177	637	17	s.	s.	PROPN
cjfa-45177	637	18	(	(	PUNCT
cjfa-45177	637	19	2021	2021	NUM
cjfa-45177	637	20	)	)	PUNCT
cjfa-45177	637	21	.	.	PUNCT
cjfa-45177	638	1	financial	financial	ADJ
cjfa-45177	638	2	development	development	NOUN
cjfa-45177	638	3	and	and	CCONJ
cjfa-45177	638	4	economic	economic	ADJ
cjfa-45177	638	5	growth	growth	NOUN
cjfa-45177	638	6	nexus	nexus	NOUN
cjfa-45177	638	7	in	in	ADP
cjfa-45177	638	8	ssa	ssa	NOUN
cjfa-45177	638	9	economies	economy	NOUN
cjfa-45177	638	10	:	:	PUNCT
cjfa-45177	638	11	the	the	DET
cjfa-45177	638	12	moderating	moderate	VERB
cjfa-45177	638	13	role	role	NOUN
cjfa-45177	638	14	of	of	ADP
cjfa-45177	638	15	telecommunication	telecommunication	NOUN
cjfa-45177	638	16	development	development	NOUN
cjfa-45177	638	17	.	.	PUNCT
cjfa-45177	639	1	cogent	cogent	NOUN
cjfa-45177	639	2	economics	economic	NOUN
cjfa-45177	639	3	et	et	PROPN
cjfa-45177	639	4	finance	finance	NOUN
cjfa-45177	639	5	,	,	PUNCT
cjfa-45177	639	6	9(1	9(1	NUM
cjfa-45177	639	7	)	)	PUNCT
cjfa-45177	639	8	,	,	PUNCT
cjfa-45177	639	9	21–37	21–37	NUM
cjfa-45177	639	10	.	.	PUNCT
cjfa-45177	640	1	http://dx.doi.org/10.1080/	http://dx.doi.org/10.1080/	PROPN
cjfa-45177	641	1	23322039.2020.1862395	23322039.2020.1862395	PROPN
cjfa-45177	641	2	.	.	PUNCT
cjfa-45177	642	1	khatun	khatun	PROPN
cjfa-45177	642	2	,	,	PUNCT
cjfa-45177	642	3	n.	n.	NOUN
cjfa-45177	642	4	,	,	PUNCT
cjfa-45177	642	5	&	&	CCONJ
cjfa-45177	642	6	tamanna	tamanna	PROPN
cjfa-45177	642	7	,	,	PUNCT
cjfa-45177	642	8	m.	m.	NOUN
cjfa-45177	642	9	(	(	PUNCT
cjfa-45177	642	10	2020	2020	NUM
cjfa-45177	642	11	)	)	PUNCT
cjfa-45177	642	12	.	.	PUNCT
cjfa-45177	643	1	factors	factor	NOUN
cjfa-45177	643	2	affecting	affect	VERB
cjfa-45177	643	3	the	the	DET
cjfa-45177	643	4	adoption	adoption	NOUN
cjfa-45177	643	5	of	of	ADP
cjfa-45177	643	6	fintech	fintech	NOUN
cjfa-45177	643	7	:	:	PUNCT
cjfa-45177	643	8	a	a	DET
cjfa-45177	643	9	study	study	NOUN
cjfa-45177	643	10	based	base	VERB
cjfa-45177	643	11	on	on	ADP
cjfa-45177	643	12	the	the	DET
cjfa-45177	643	13	financial	financial	ADJ
cjfa-45177	643	14	institutions	institution	NOUN
cjfa-45177	643	15	in	in	ADP
cjfa-45177	643	16	bangladesh	bangladesh	PROPN
cjfa-45177	643	17	.	.	PUNCT
cjfa-45177	644	1	copernican	copernican	PROPN
cjfa-45177	644	2	journal	journal	PROPN
cjfa-45177	644	3	of	of	ADP
cjfa-45177	644	4	finance	finance	PROPN
cjfa-45177	644	5	&	&	CCONJ
cjfa-45177	644	6	accounting	accounting	PROPN
cjfa-45177	644	7	,	,	PUNCT
cjfa-45177	644	8	9(4	9(4	NUM
cjfa-45177	644	9	)	)	PUNCT
cjfa-45177	644	10	,	,	PUNCT
cjfa-45177	644	11	51–75	51–75	NUM
cjfa-45177	644	12	.	.	PUNCT
cjfa-45177	645	1	http://dx.doi.org/10.12775/cjfa.2020.021	http://dx.doi.org/10.12775/cjfa.2020.021	NOUN
cjfa-45177	645	2	.	.	PUNCT
cjfa-45177	646	1	kim	kim	PROPN
cjfa-45177	646	2	,	,	PUNCT
cjfa-45177	646	3	d.w	d.w	PROPN
cjfa-45177	646	4	.	.	PROPN
cjfa-45177	646	5	,	,	PUNCT
cjfa-45177	646	6	yu	yu	PROPN
cjfa-45177	646	7	,	,	PUNCT
cjfa-45177	646	8	j.s	j.s	PROPN
cjfa-45177	646	9	.	.	PROPN
cjfa-45177	646	10	,	,	PUNCT
cjfa-45177	646	11	&	&	CCONJ
cjfa-45177	646	12	hassan	hassan	PROPN
cjfa-45177	646	13	,	,	PUNCT
cjfa-45177	646	14	m.k	m.k	PROPN
cjfa-45177	646	15	.	.	PUNCT
cjfa-45177	646	16	(	(	PUNCT
cjfa-45177	646	17	2018	2018	NUM
cjfa-45177	646	18	)	)	PUNCT
cjfa-45177	646	19	.	.	PUNCT
cjfa-45177	647	1	financial	financial	ADJ
cjfa-45177	647	2	inclusion	inclusion	NOUN
cjfa-45177	647	3	and	and	CCONJ
cjfa-45177	647	4	economic	economic	ADJ
cjfa-45177	647	5	growth	growth	NOUN
cjfa-45177	647	6	in	in	ADP
cjfa-45177	647	7	oic	oic	PROPN
cjfa-45177	647	8	countries	country	NOUN
cjfa-45177	647	9	.	.	PUNCT
cjfa-45177	648	1	research	research	NOUN
cjfa-45177	648	2	in	in	ADP
cjfa-45177	648	3	international	international	ADJ
cjfa-45177	648	4	business	business	NOUN
cjfa-45177	648	5	and	and	CCONJ
cjfa-45177	648	6	finance	finance	NOUN
cjfa-45177	648	7	,	,	PUNCT
cjfa-45177	648	8	4(3	4(3	NUM
cjfa-45177	648	9	)	)	PUNCT
cjfa-45177	648	10	,	,	PUNCT
cjfa-45177	648	11	1–14	1–14	PROPN
cjfa-45177	648	12	.	.	PUNCT
cjfa-45177	649	1	http://	http://	PROPN
cjfa-45177	649	2	dx.doi.org/10.1016/j.ribaf.2017.07.178	dx.doi.org/10.1016/j.ribaf.2017.07.178	PROPN
cjfa-45177	649	3	.	.	PUNCT
cjfa-45177	650	1	kochar	kochar	PROPN
cjfa-45177	650	2	,	,	PUNCT
cjfa-45177	650	3	a.	a.	NOUN
cjfa-45177	650	4	(	(	PUNCT
cjfa-45177	650	5	2011	2011	NUM
cjfa-45177	650	6	)	)	PUNCT
cjfa-45177	650	7	.	.	PUNCT
cjfa-45177	651	1	the	the	DET
cjfa-45177	651	2	distributive	distributive	ADJ
cjfa-45177	651	3	consequences	consequence	NOUN
cjfa-45177	651	4	of	of	ADP
cjfa-45177	651	5	social	social	ADJ
cjfa-45177	651	6	banking	banking	NOUN
cjfa-45177	651	7	:	:	PUNCT
cjfa-45177	651	8	a	a	DET
cjfa-45177	651	9	micro	micro	ADJ
cjfa-45177	651	10	-	-	ADJ
cjfa-45177	651	11	empirical	empirical	ADJ
cjfa-45177	651	12	analysis	analysis	NOUN
cjfa-45177	651	13	of	of	ADP
cjfa-45177	651	14	the	the	DET
cjfa-45177	651	15	indian	indian	ADJ
cjfa-45177	651	16	experience	experience	NOUN
cjfa-45177	651	17	.	.	PUNCT
cjfa-45177	652	1	economic	economic	ADJ
cjfa-45177	652	2	development	development	NOUN
cjfa-45177	652	3	and	and	CCONJ
cjfa-45177	652	4	cultural	cultural	ADJ
cjfa-45177	652	5	change	change	NOUN
cjfa-45177	652	6	,	,	PUNCT
cjfa-45177	652	7	59(2	59(2	NUM
cjfa-45177	652	8	)	)	PUNCT
cjfa-45177	652	9	,	,	PUNCT
cjfa-45177	652	10	251–280	251–280	NUM
cjfa-45177	652	11	.	.	PUNCT
cjfa-45177	653	1	http://dx.doi.org/10.1086/657122	http://dx.doi.org/10.1086/657122	PROPN
cjfa-45177	653	2	.	.	PUNCT
cjfa-45177	654	1	krasnyuk	krasnyuk	NOUN
cjfa-45177	654	2	,	,	PUNCT
cjfa-45177	654	3	m.	m.	NOUN
cjfa-45177	654	4	,	,	PUNCT
cjfa-45177	654	5	tkalenko	tkalenko	NOUN
cjfa-45177	654	6	,	,	PUNCT
cjfa-45177	654	7	a.	a.	NOUN
cjfa-45177	654	8	,	,	PUNCT
cjfa-45177	654	9	&	&	CCONJ
cjfa-45177	654	10	krasniuk	krasniuk	PROPN
cjfa-45177	654	11	,	,	PUNCT
cjfa-45177	654	12	s.	s.	PROPN
cjfa-45177	654	13	(	(	PUNCT
cjfa-45177	654	14	2021	2021	NUM
cjfa-45177	654	15	)	)	PUNCT
cjfa-45177	654	16	.	.	PUNCT
cjfa-45177	655	1	development	development	NOUN
cjfa-45177	655	2	of	of	ADP
cjfa-45177	655	3	the	the	DET
cjfa-45177	655	4	fintech	fintech	NOUN
cjfa-45177	655	5	industry	industry	NOUN
cjfa-45177	655	6	and	and	CCONJ
cjfa-45177	655	7	technologies	technology	NOUN
cjfa-45177	655	8	under	under	ADP
cjfa-45177	655	9	covid-19	covid-19	PROPN
cjfa-45177	655	10	.	.	PUNCT
cjfa-45177	656	1	international	international	ADJ
cjfa-45177	656	2	scientific	scientific	ADJ
cjfa-45177	656	3	journal	journal	NOUN
cjfa-45177	656	4	grail	grail	NOUN
cjfa-45177	656	5	of	of	ADP
cjfa-45177	656	6	science	science	NOUN
cjfa-45177	656	7	,	,	PUNCT
cjfa-45177	656	8	27(2	27(2	PROPN
cjfa-45177	656	9	)	)	PUNCT
cjfa-45177	656	10	,	,	PUNCT
cjfa-45177	656	11	22–37	22–37	NUM
cjfa-45177	656	12	.	.	PUNCT
cjfa-45177	657	1	lewbel	lewbel	PROPN
cjfa-45177	657	2	,	,	PUNCT
cjfa-45177	657	3	a.	a.	NOUN
cjfa-45177	657	4	(	(	PUNCT
cjfa-45177	657	5	2012	2012	NUM
cjfa-45177	657	6	)	)	PUNCT
cjfa-45177	657	7	.	.	PUNCT
cjfa-45177	658	1	using	use	VERB
cjfa-45177	658	2	heteroscedasticity	heteroscedasticity	NOUN
cjfa-45177	658	3	to	to	PART
cjfa-45177	658	4	identify	identify	VERB
cjfa-45177	658	5	and	and	CCONJ
cjfa-45177	658	6	estimate	estimate	VERB
cjfa-45177	658	7	mismeasured	mismeasured	ADJ
cjfa-45177	658	8	and	and	CCONJ
cjfa-45177	658	9	endogenous	endogenous	ADJ
cjfa-45177	658	10	regressor	regressor	NOUN
cjfa-45177	658	11	models	model	NOUN
cjfa-45177	658	12	.	.	PUNCT
cjfa-45177	659	1	journal	journal	NOUN
cjfa-45177	659	2	of	of	ADP
cjfa-45177	659	3	business	business	NOUN
cjfa-45177	659	4	et	et	PROPN
cjfa-45177	659	5	economic	economic	ADJ
cjfa-45177	659	6	statistics	statistic	NOUN
cjfa-45177	659	7	,	,	PUNCT
cjfa-45177	659	8	30(1	30(1	NUM
cjfa-45177	659	9	)	)	PUNCT
cjfa-45177	659	10	,	,	PUNCT
cjfa-45177	659	11	67	67	NUM
cjfa-45177	659	12	–	–	PUNCT
cjfa-45177	659	13	 	 	SPACE
cjfa-45177	659	14	80	80	NUM
cjfa-45177	659	15	.	.	PUNCT
cjfa-45177	660	1	http://dx.doi.org/10.1080/07350015.2012.643126	http://dx.doi.org/10.1080/07350015.2012.643126	NOUN
cjfa-45177	660	2	.	.	PUNCT
cjfa-45177	661	1	manyika	manyika	PROPN
cjfa-45177	661	2	,	,	PUNCT
cjfa-45177	661	3	j.	j.	PROPN
cjfa-45177	661	4	,	,	PUNCT
cjfa-45177	661	5	lund	lund	PROPN
cjfa-45177	661	6	,	,	PUNCT
cjfa-45177	661	7	s.	s.	PROPN
cjfa-45177	661	8	,	,	PUNCT
cjfa-45177	661	9	singer	singer	NOUN
cjfa-45177	661	10	,	,	PUNCT
cjfa-45177	661	11	m.	m.	NOUN
cjfa-45177	661	12	,	,	PUNCT
cjfa-45177	661	13	white	white	ADJ
cjfa-45177	661	14	,	,	PUNCT
cjfa-45177	661	15	o.	o.	NOUN
cjfa-45177	661	16	,	,	PUNCT
cjfa-45177	661	17	&	&	CCONJ
cjfa-45177	661	18	berry	berry	PROPN
cjfa-45177	661	19	,	,	PUNCT
cjfa-45177	661	20	c.	c.	PROPN
cjfa-45177	661	21	(	(	PUNCT
cjfa-45177	661	22	2016	2016	NUM
cjfa-45177	661	23	)	)	PUNCT
cjfa-45177	661	24	.	.	PUNCT
cjfa-45177	662	1	digital	digital	ADJ
cjfa-45177	662	2	finance	finance	NOUN
cjfa-45177	662	3	for	for	ADP
cjfa-45177	662	4	all	all	PRON
cjfa-45177	662	5	:	:	PUNCT
cjfa-45177	662	6	powering	power	VERB
cjfa-45177	662	7	inclusive	inclusive	ADJ
cjfa-45177	662	8	growth	growth	NOUN
cjfa-45177	662	9	in	in	ADP
cjfa-45177	662	10	emerging	emerge	VERB
cjfa-45177	662	11	economies	economy	NOUN
cjfa-45177	662	12	.	.	PUNCT
cjfa-45177	663	1	new	new	PROPN
cjfa-45177	663	2	york	york	PROPN
cjfa-45177	663	3	:	:	PUNCT
cjfa-45177	663	4	mckinsey	mckinsey	PROPN
cjfa-45177	663	5	global	global	PROPN
cjfa-45177	663	6	institute	institute	PROPN
cjfa-45177	663	7	.	.	PUNCT
cjfa-45177	664	1	mbiti	mbiti	PROPN
cjfa-45177	664	2	,	,	PUNCT
cjfa-45177	664	3	i.	i.	PROPN
cjfa-45177	664	4	,	,	PUNCT
cjfa-45177	664	5	&	&	CCONJ
cjfa-45177	664	6	weil	weil	PROPN
cjfa-45177	664	7	,	,	PUNCT
cjfa-45177	664	8	d.n	d.n	PROPN
cjfa-45177	664	9	.	.	PROPN
cjfa-45177	664	10	(	(	PUNCT
cjfa-45177	664	11	2011	2011	NUM
cjfa-45177	664	12	)	)	PUNCT
cjfa-45177	664	13	.	.	PUNCT
cjfa-45177	665	1	mobile	mobile	ADJ
cjfa-45177	665	2	banking	banking	NOUN
cjfa-45177	665	3	:	:	PUNCT
cjfa-45177	665	4	the	the	DET
cjfa-45177	665	5	impact	impact	NOUN
cjfa-45177	665	6	of	of	ADP
cjfa-45177	665	7	mpesa	mpesa	NOUN
cjfa-45177	665	8	in	in	ADP
cjfa-45177	665	9	kenya	kenya	PROPN
cjfa-45177	665	10	.	.	PUNCT
cjfa-45177	666	1	nber	nber	PROPN
cjfa-45177	666	2	working	working	PROPN
cjfa-45177	666	3	paper	paper	PROPN
cjfa-45177	666	4	series	series	NOUN
cjfa-45177	666	5	,	,	PUNCT
cjfa-45177	666	6	17129	17129	NUM
cjfa-45177	666	7	.	.	PUNCT
cjfa-45177	667	1	http://dx.doi.org/10.3386/w17129	http://dx.doi.org/10.3386/w17129	PROPN
cjfa-45177	667	2	.	.	PUNCT
cjfa-45177	668	1	mehrotra	mehrotra	PROPN
cjfa-45177	668	2	,	,	PUNCT
cjfa-45177	668	3	a.n	a.n	PROPN
cjfa-45177	668	4	.	.	PROPN
cjfa-45177	668	5	,	,	PUNCT
cjfa-45177	668	6	&	&	CCONJ
cjfa-45177	668	7	yetman	yetman	PROPN
cjfa-45177	668	8	,	,	PUNCT
cjfa-45177	668	9	j.	j.	PROPN
cjfa-45177	668	10	(	(	PUNCT
cjfa-45177	668	11	2015	2015	NUM
cjfa-45177	668	12	)	)	PUNCT
cjfa-45177	668	13	.	.	PUNCT
cjfa-45177	669	1	financial	financial	ADJ
cjfa-45177	669	2	inclusion	inclusion	NOUN
cjfa-45177	669	3	-	-	PUNCT
cjfa-45177	669	4	issues	issue	NOUN
cjfa-45177	669	5	for	for	ADP
cjfa-45177	669	6	central	central	ADJ
cjfa-45177	669	7	banks	bank	NOUN
cjfa-45177	669	8	.	.	PUNCT
cjfa-45177	670	1	bis	bis	PROPN
cjfa-45177	670	2	quarterly	quarterly	ADJ
cjfa-45177	670	3	review	review	NOUN
cjfa-45177	670	4	march	march	PROPN
cjfa-45177	670	5	,	,	PUNCT
cjfa-45177	670	6	7(2	7(2	NUM
cjfa-45177	670	7	)	)	PUNCT
cjfa-45177	670	8	,	,	PUNCT
cjfa-45177	670	9	21–32	21–32	NUM
cjfa-45177	670	10	.	.	PUNCT
cjfa-45177	671	1	morawczynski	morawczynski	PROPN
cjfa-45177	671	2	,	,	PUNCT
cjfa-45177	671	3	o.	o.	PROPN
cjfa-45177	671	4	(	(	PUNCT
cjfa-45177	671	5	2009	2009	NUM
cjfa-45177	671	6	)	)	PUNCT
cjfa-45177	671	7	.	.	PUNCT
cjfa-45177	672	1	exploring	explore	VERB
cjfa-45177	672	2	the	the	DET
cjfa-45177	672	3	usage	usage	NOUN
cjfa-45177	672	4	and	and	CCONJ
cjfa-45177	672	5	impact	impact	NOUN
cjfa-45177	672	6	of	of	ADP
cjfa-45177	672	7	transformational	transformational	ADJ
cjfa-45177	672	8	.	.	PUNCT
cjfa-45177	673	1	mobile	mobile	ADJ
cjfa-45177	673	2	financial	financial	ADJ
cjfa-45177	673	3	services	service	NOUN
cjfa-45177	673	4	:	:	PUNCT
cjfa-45177	673	5	the	the	DET
cjfa-45177	673	6	case	case	NOUN
cjfa-45177	673	7	of	of	ADP
cjfa-45177	673	8	m	m	PROPN
cjfa-45177	673	9	-	-	PROPN
cjfa-45177	673	10	pesa	pesa	PROPN
cjfa-45177	673	11	in	in	ADP
cjfa-45177	673	12	kenya	kenya	PROPN
cjfa-45177	673	13	.	.	PUNCT
cjfa-45177	674	1	journal	journal	PROPN
cjfa-45177	674	2	of	of	ADP
cjfa-45177	674	3	eastern	eastern	ADJ
cjfa-45177	674	4	african	african	ADJ
cjfa-45177	674	5	studies	study	NOUN
cjfa-45177	674	6	,	,	PUNCT
cjfa-45177	674	7	3(3	3(3	NUM
cjfa-45177	674	8	)	)	PUNCT
cjfa-45177	674	9	,	,	PUNCT
cjfa-45177	674	10	509–525	509–525	NUM
cjfa-45177	674	11	.	.	PUNCT
cjfa-45177	675	1	http://dx.doi.org/10.1080/17531050903273768	http://dx.doi.org/10.1080/17531050903273768	NOUN
cjfa-45177	675	2	.	.	PUNCT
cjfa-45177	676	1	impacts	impact	NOUN
cjfa-45177	676	2	of	of	ADP
cjfa-45177	676	3	fintech	fintech	NOUN
cjfa-45177	676	4	on	on	ADP
cjfa-45177	676	5	financial	financial	ADJ
cjfa-45177	676	6	inclusion	inclusion	NOUN
cjfa-45177	676	7	…	…	PUNCT
cjfa-45177	676	8	8787	8787	NUM
cjfa-45177	676	9	najaf	najaf	NOUN
cjfa-45177	676	10	,	,	PUNCT
cjfa-45177	676	11	k.	k.	PROPN
cjfa-45177	676	12	,	,	PUNCT
cjfa-45177	676	13	subramaniamb	subramaniamb	PROPN
cjfa-45177	676	14	,	,	PUNCT
cjfa-45177	676	15	r.k	r.k	PROPN
cjfa-45177	676	16	.	.	PROPN
cjfa-45177	676	17	,	,	PUNCT
cjfa-45177	676	18	&	&	CCONJ
cjfa-45177	676	19	atayah	atayah	PROPN
cjfa-45177	676	20	,	,	PUNCT
cjfa-45177	676	21	o.f	o.f	PROPN
cjfa-45177	676	22	.	.	PROPN
cjfa-45177	676	23	(	(	PUNCT
cjfa-45177	676	24	2021	2021	NUM
cjfa-45177	676	25	)	)	PUNCT
cjfa-45177	676	26	.	.	PUNCT
cjfa-45177	677	1	understanding	understand	VERB
cjfa-45177	677	2	the	the	DET
cjfa-45177	677	3	implications	implication	NOUN
cjfa-45177	677	4	of	of	ADP
cjfa-45177	677	5	fintech	fintech	NOUN
cjfa-45177	677	6	peer	peer	NOUN
cjfa-45177	677	7	-	-	PUNCT
cjfa-45177	677	8	to	to	ADP
cjfa-45177	677	9	-	-	PUNCT
cjfa-45177	677	10	peer	peer	NOUN
cjfa-45177	677	11	(	(	PUNCT
cjfa-45177	677	12	p2p	p2p	NOUN
cjfa-45177	677	13	)	)	PUNCT
cjfa-45177	677	14	lending	lending	NOUN
cjfa-45177	677	15	during	during	ADP
cjfa-45177	677	16	the	the	DET
cjfa-45177	677	17	covid-19	covid-19	PROPN
cjfa-45177	677	18	pandemic	pandemic	NOUN
cjfa-45177	677	19	.	.	PUNCT
cjfa-45177	678	1	journal	journal	NOUN
cjfa-45177	678	2	of	of	ADP
cjfa-45177	678	3	sustainable	sustainable	ADJ
cjfa-45177	678	4	finance	finance	NOUN
cjfa-45177	678	5	and	and	CCONJ
cjfa-45177	678	6	investment	investment	NOUN
cjfa-45177	678	7	,	,	PUNCT
cjfa-45177	678	8	37(6	37(6	NUM
cjfa-45177	678	9	)	)	PUNCT
cjfa-45177	678	10	,	,	PUNCT
cjfa-45177	678	11	21–40	21–40	NUM
cjfa-45177	678	12	.	.	PUNCT
cjfa-45177	679	1	http://dx.doi.org/10.1080/0735001	http://dx.doi.org/10.1080/0735001	ADJ
cjfa-45177	679	2	5.2012.643126	5.2012.643126	PROPN
cjfa-45177	679	3	.	.	PUNCT
cjfa-45177	680	1	oecd	oecd	PROPN
cjfa-45177	680	2	,	,	PUNCT
cjfa-45177	680	3	&	&	CCONJ
cjfa-45177	680	4	jrc	jrc	PROPN
cjfa-45177	680	5	.	.	PUNCT
cjfa-45177	681	1	(	(	PUNCT
cjfa-45177	681	2	2008	2008	NUM
cjfa-45177	681	3	)	)	PUNCT
cjfa-45177	681	4	.	.	PUNCT
cjfa-45177	682	1	handbook	handbook	NOUN
cjfa-45177	682	2	on	on	ADP
cjfa-45177	682	3	constructing	construct	VERB
cjfa-45177	682	4	composite	composite	ADJ
cjfa-45177	682	5	indicators	indicator	NOUN
cjfa-45177	682	6	:	:	PUNCT
cjfa-45177	682	7	methodology	methodology	NOUN
cjfa-45177	682	8	and	and	CCONJ
cjfa-45177	682	9	user	user	NOUN
cjfa-45177	682	10	guide	guide	NOUN
cjfa-45177	682	11	.	.	PUNCT
cjfa-45177	683	1	paris	paris	PROPN
cjfa-45177	683	2	:	:	PUNCT
cjfa-45177	684	1	oecd	oecd	PROPN
cjfa-45177	684	2	.	.	PUNCT
cjfa-45177	684	3	ouma	ouma	PROPN
cjfa-45177	684	4	,	,	PUNCT
cjfa-45177	684	5	s.a	s.a	PROPN
cjfa-45177	684	6	.	.	PROPN
cjfa-45177	684	7	,	,	PUNCT
cjfa-45177	684	8	odongo	odongo	PROPN
cjfa-45177	684	9	,	,	PUNCT
cjfa-45177	684	10	t.m	t.m	PROPN
cjfa-45177	684	11	.	.	PROPN
cjfa-45177	684	12	,	,	PUNCT
cjfa-45177	684	13	&	&	CCONJ
cjfa-45177	684	14	were	be	AUX
cjfa-45177	684	15	,	,	PUNCT
cjfa-45177	684	16	m.	m.	NOUN
cjfa-45177	684	17	(	(	PUNCT
cjfa-45177	684	18	2017	2017	NUM
cjfa-45177	684	19	)	)	PUNCT
cjfa-45177	684	20	.	.	PUNCT
cjfa-45177	685	1	mobile	mobile	ADJ
cjfa-45177	685	2	financial	financial	ADJ
cjfa-45177	685	3	services	service	NOUN
cjfa-45177	685	4	and	and	CCONJ
cjfa-45177	685	5	financial	financial	ADJ
cjfa-45177	685	6	inclusion	inclusion	NOUN
cjfa-45177	685	7	:	:	PUNCT
cjfa-45177	685	8	is	be	AUX
cjfa-45177	685	9	it	it	PRON
cjfa-45177	685	10	a	a	DET
cjfa-45177	685	11	boon	boon	NOUN
cjfa-45177	685	12	for	for	ADP
cjfa-45177	685	13	savings	saving	NOUN
cjfa-45177	685	14	mobilization	mobilization	NOUN
cjfa-45177	685	15	?	?	PUNCT
cjfa-45177	686	1	review	review	NOUN
cjfa-45177	686	2	of	of	ADP
cjfa-45177	686	3	development	development	NOUN
cjfa-45177	686	4	finance	finance	NOUN
cjfa-45177	686	5	,	,	PUNCT
cjfa-45177	686	6	7(1	7(1	NUM
cjfa-45177	686	7	)	)	PUNCT
cjfa-45177	686	8	,	,	PUNCT
cjfa-45177	686	9	29–35	29–35	NUM
cjfa-45177	686	10	.	.	PUNCT
cjfa-45177	687	1	http://dx.doi.org/10.1016/j.rdf.2017.01.001	http://dx.doi.org/10.1016/j.rdf.2017.01.001	PROPN
cjfa-45177	687	2	.	.	PUNCT
cjfa-45177	688	1	ozili	ozili	PROPN
cjfa-45177	688	2	,	,	PUNCT
cjfa-45177	688	3	p.	p.	NOUN
cjfa-45177	688	4	(	(	PUNCT
cjfa-45177	688	5	2020a	2020a	NOUN
cjfa-45177	688	6	)	)	PUNCT
cjfa-45177	688	7	.	.	PUNCT
cjfa-45177	689	1	financial	financial	ADJ
cjfa-45177	689	2	inclusion	inclusion	NOUN
cjfa-45177	689	3	and	and	CCONJ
cjfa-45177	689	4	fintech	fintech	NOUN
cjfa-45177	689	5	during	during	ADP
cjfa-45177	689	6	covid-19	covid-19	PROPN
cjfa-45177	689	7	crisis	crisis	NOUN
cjfa-45177	689	8	:	:	PUNCT
cjfa-45177	689	9	policy	policy	NOUN
cjfa-45177	689	10	solutions	solution	NOUN
cjfa-45177	689	11	.	.	PUNCT
cjfa-45177	690	1	mpra	mpra	PROPN
cjfa-45177	690	2	paper	paper	PROPN
cjfa-45177	690	3	,	,	PUNCT
cjfa-45177	690	4	11219	11219	NUM
cjfa-45177	690	5	,	,	PUNCT
cjfa-45177	690	6	1–9	1–9	PROPN
cjfa-45177	690	7	.	.	NOUN
cjfa-45177	690	8	ozili	ozili	PROPN
cjfa-45177	690	9	,	,	PUNCT
cjfa-45177	690	10	p.	p.	NOUN
cjfa-45177	690	11	(	(	PUNCT
cjfa-45177	690	12	2020b	2020b	NUM
cjfa-45177	690	13	)	)	PUNCT
cjfa-45177	690	14	.	.	PUNCT
cjfa-45177	691	1	theory	theory	NOUN
cjfa-45177	691	2	of	of	ADP
cjfa-45177	691	3	financial	financial	ADJ
cjfa-45177	691	4	inclusion	inclusion	NOUN
cjfa-45177	691	5	.	.	PUNCT
cjfa-45177	692	1	mpra	mpra	PROPN
cjfa-45177	692	2	paper	paper	PROPN
cjfa-45177	692	3	,	,	PUNCT
cjfa-45177	692	4	109579	109579	NUM
cjfa-45177	692	5	,	,	PUNCT
cjfa-45177	692	6	1–23	1–23	PROPN
cjfa-45177	692	7	.	.	PUNCT
cjfa-45177	692	8	ozili	ozili	PROPN
cjfa-45177	692	9	,	,	PUNCT
cjfa-45177	692	10	p.k	p.k	PROPN
cjfa-45177	692	11	.	.	PROPN
cjfa-45177	692	12	(	(	PUNCT
cjfa-45177	692	13	2018	2018	NUM
cjfa-45177	692	14	)	)	PUNCT
cjfa-45177	692	15	.	.	PUNCT
cjfa-45177	693	1	impact	impact	NOUN
cjfa-45177	693	2	of	of	ADP
cjfa-45177	693	3	digital	digital	ADJ
cjfa-45177	693	4	finance	finance	NOUN
cjfa-45177	693	5	on	on	ADP
cjfa-45177	693	6	financial	financial	ADJ
cjfa-45177	693	7	inclusion	inclusion	NOUN
cjfa-45177	693	8	and	and	CCONJ
cjfa-45177	693	9	stability	stability	NOUN
cjfa-45177	693	10	.	.	PUNCT
cjfa-45177	694	1	borsa	borsa	PROPN
cjfa-45177	694	2	istanbul	istanbul	PROPN
cjfa-45177	694	3	review	review	PROPN
cjfa-45177	694	4	,	,	PUNCT
cjfa-45177	694	5	18(4	18(4	NUM
cjfa-45177	694	6	)	)	PUNCT
cjfa-45177	694	7	,	,	PUNCT
cjfa-45177	694	8	329–340	329–340	NUM
cjfa-45177	694	9	.	.	PUNCT
cjfa-45177	695	1	http://doi.org/10.1016/j.bir.2017.12.003	http://doi.org/10.1016/j.bir.2017.12.003	PROPN
cjfa-45177	695	2	.	.	PROPN
cjfa-45177	695	3	ozili	ozili	PROPN
cjfa-45177	695	4	,	,	PUNCT
cjfa-45177	695	5	p.k	p.k	PROPN
cjfa-45177	695	6	.	.	PROPN
cjfa-45177	695	7	(	(	PUNCT
cjfa-45177	695	8	2021	2021	NUM
cjfa-45177	695	9	)	)	PUNCT
cjfa-45177	695	10	.	.	PUNCT
cjfa-45177	696	1	financial	financial	ADJ
cjfa-45177	696	2	inclusion	inclusion	NOUN
cjfa-45177	696	3	research	research	NOUN
cjfa-45177	696	4	around	around	ADP
cjfa-45177	696	5	the	the	DET
cjfa-45177	696	6	world	world	NOUN
cjfa-45177	696	7	:	:	PUNCT
cjfa-45177	696	8	a	a	DET
cjfa-45177	696	9	review	review	NOUN
cjfa-45177	696	10	.	.	PUNCT
cjfa-45177	697	1	in	in	ADP
cjfa-45177	697	2	forum	forum	NOUN
cjfa-45177	697	3	for	for	ADP
cjfa-45177	697	4	social	social	ADJ
cjfa-45177	697	5	economics	economic	NOUN
cjfa-45177	697	6	,	,	PUNCT
cjfa-45177	697	7	50(4	50(4	NUM
cjfa-45177	697	8	)	)	PUNCT
cjfa-45177	697	9	,	,	PUNCT
cjfa-45177	697	10	457–479	457–479	NUM
cjfa-45177	697	11	.	.	PUNCT
cjfa-45177	698	1	http://dx.doi.org/10.1080/07360932.2020.1715238	http://dx.doi.org/10.1080/07360932.2020.1715238	NOUN
cjfa-45177	698	2	.	.	PROPN
cjfa-45177	698	3	puatwoe	puatwoe	NOUN
cjfa-45177	698	4	,	,	PUNCT
cjfa-45177	698	5	j.t	j.t	PROPN
cjfa-45177	698	6	.	.	PROPN
cjfa-45177	698	7	,	,	PUNCT
cjfa-45177	698	8	&	&	CCONJ
cjfa-45177	698	9	piabuo	piabuo	PROPN
cjfa-45177	698	10	,	,	PUNCT
cjfa-45177	698	11	s.m	s.m	PROPN
cjfa-45177	698	12	.	.	PROPN
cjfa-45177	698	13	(	(	PUNCT
cjfa-45177	698	14	2017	2017	NUM
cjfa-45177	698	15	)	)	PUNCT
cjfa-45177	698	16	.	.	PUNCT
cjfa-45177	699	1	financial	financial	ADJ
cjfa-45177	699	2	sector	sector	NOUN
cjfa-45177	699	3	development	development	NOUN
cjfa-45177	699	4	and	and	CCONJ
cjfa-45177	699	5	economic	economic	ADJ
cjfa-45177	699	6	growth	growth	NOUN
cjfa-45177	699	7	:	:	PUNCT
cjfa-45177	699	8	evidence	evidence	NOUN
cjfa-45177	699	9	from	from	ADP
cjfa-45177	699	10	cameroon	cameroon	PROPN
cjfa-45177	699	11	.	.	PUNCT
cjfa-45177	700	1	financial	financial	ADJ
cjfa-45177	700	2	innovation	innovation	NOUN
cjfa-45177	700	3	,	,	PUNCT
cjfa-45177	700	4	3(1	3(1	NUM
cjfa-45177	700	5	)	)	PUNCT
cjfa-45177	700	6	,	,	PUNCT
cjfa-45177	700	7	1–18	1–18	NUM
cjfa-45177	700	8	.	.	PUNCT
cjfa-45177	701	1	http://dx.doi	http://dx.doi	NOUN
cjfa-45177	701	2	.	.	PUNCT
cjfa-45177	702	1	org/10.1186	org/10.1186	PROPN
cjfa-45177	702	2	/	/	SYM
cjfa-45177	702	3	s40854	s40854	NOUN
cjfa-45177	702	4	-	-	PUNCT
cjfa-45177	702	5	017	017	NUM
cjfa-45177	702	6	-	-	PUNCT
cjfa-45177	702	7	0073	0073	NUM
cjfa-45177	702	8	-	-	PUNCT
cjfa-45177	702	9	x.	x.	NOUN
cjfa-45177	702	10	sahay	sahay	PROPN
cjfa-45177	702	11	,	,	PUNCT
cjfa-45177	702	12	r.	r.	PROPN
cjfa-45177	702	13	,	,	PUNCT
cjfa-45177	702	14	eriksson	eriksson	PROPN
cjfa-45177	702	15	,	,	PUNCT
cjfa-45177	702	16	u.	u.	PROPN
cjfa-45177	702	17	,	,	PUNCT
cjfa-45177	702	18	allmen	allman	NOUN
cjfa-45177	702	19	,	,	PUNCT
cjfa-45177	702	20	v.	v.	PROPN
cjfa-45177	702	21	,	,	PUNCT
cjfa-45177	702	22	lahreche	lahreche	PROPN
cjfa-45177	702	23	,	,	PUNCT
cjfa-45177	702	24	a.	a.	PROPN
cjfa-45177	702	25	,	,	PUNCT
cjfa-45177	702	26	khera	khera	PROPN
cjfa-45177	702	27	,	,	PUNCT
cjfa-45177	702	28	p.	p.	PROPN
cjfa-45177	702	29	,	,	PUNCT
cjfa-45177	702	30	ogawa	ogawa	PROPN
cjfa-45177	702	31	,	,	PUNCT
cjfa-45177	702	32	s.	s.	PROPN
cjfa-45177	702	33	,	,	PUNCT
cjfa-45177	702	34	bazarbash	bazarbash	NOUN
cjfa-45177	702	35	,	,	PUNCT
cjfa-45177	702	36	m.	m.	NOUN
cjfa-45177	702	37	,	,	PUNCT
cjfa-45177	702	38	&	&	CCONJ
cjfa-45177	702	39	kim	kim	PROPN
cjfa-45177	702	40	,	,	PUNCT
cjfa-45177	702	41	b.	b.	PROPN
cjfa-45177	702	42	(	(	PUNCT
cjfa-45177	702	43	2020	2020	NUM
cjfa-45177	702	44	)	)	PUNCT
cjfa-45177	702	45	.	.	PUNCT
cjfa-45177	703	1	the	the	DET
cjfa-45177	703	2	promise	promise	NOUN
cjfa-45177	703	3	of	of	ADP
cjfa-45177	703	4	fintech	fintech	NOUN
cjfa-45177	703	5	:	:	PUNCT
cjfa-45177	703	6	financial	financial	ADJ
cjfa-45177	703	7	inclusion	inclusion	NOUN
cjfa-45177	703	8	in	in	ADP
cjfa-45177	703	9	the	the	DET
cjfa-45177	703	10	post	post	NOUN
cjfa-45177	703	11	covid-19	covid-19	PROPN
cjfa-45177	703	12	.	.	PUNCT
cjfa-45177	703	13	international	international	ADJ
cjfa-45177	703	14	monetary	monetary	ADJ
cjfa-45177	703	15	fund	fund	PROPN
cjfa-45177	703	16	,	,	PUNCT
cjfa-45177	703	17	27(2	27(2	NUM
cjfa-45177	703	18	)	)	PUNCT
cjfa-45177	703	19	,	,	PUNCT
cjfa-45177	703	20	22–35	22–35	NUM
cjfa-45177	703	21	.	.	PUNCT
cjfa-45177	703	22	sarma	sarma	PROPN
cjfa-45177	703	23	,	,	PUNCT
cjfa-45177	703	24	m.	m.	NOUN
cjfa-45177	703	25	(	(	PUNCT
cjfa-45177	703	26	2012	2012	NUM
cjfa-45177	703	27	)	)	PUNCT
cjfa-45177	703	28	.	.	PUNCT
cjfa-45177	704	1	index	index	NOUN
cjfa-45177	704	2	of	of	ADP
cjfa-45177	704	3	financial	financial	ADJ
cjfa-45177	704	4	inclusion	inclusion	NOUN
cjfa-45177	704	5	–	–	PUNCT
cjfa-45177	704	6	a	a	DET
cjfa-45177	704	7	measure	measure	NOUN
cjfa-45177	704	8	of	of	ADP
cjfa-45177	704	9	financial	financial	ADJ
cjfa-45177	704	10	sector	sector	NOUN
cjfa-45177	704	11	inclusiveness	inclusiveness	NOUN
cjfa-45177	704	12	.	.	PUNCT
cjfa-45177	705	1	centre	centre	NOUN
cjfa-45177	705	2	for	for	ADP
cjfa-45177	705	3	international	international	ADJ
cjfa-45177	705	4	trade	trade	NOUN
cjfa-45177	705	5	and	and	CCONJ
cjfa-45177	705	6	development	development	NOUN
cjfa-45177	705	7	,	,	PUNCT
cjfa-45177	705	8	school	school	NOUN
cjfa-45177	705	9	of	of	ADP
cjfa-45177	705	10	international	international	ADJ
cjfa-45177	705	11	studies	study	NOUN
cjfa-45177	705	12	.	.	PUNCT
cjfa-45177	706	1	working	work	VERB
cjfa-45177	706	2	paper	paper	PROPN
cjfa-45177	706	3	jawaharlal	jawaharlal	PROPN
cjfa-45177	706	4	nehru	nehru	PROPN
cjfa-45177	706	5	university	university	PROPN
cjfa-45177	706	6	,	,	PUNCT
cjfa-45177	706	7	07/2012	07/2012	PROPN
cjfa-45177	706	8	,	,	PUNCT
cjfa-45177	706	9	1–34	1–34	PROPN
cjfa-45177	706	10	.	.	PUNCT
cjfa-45177	707	1	senyo	senyo	PROPN
cjfa-45177	707	2	,	,	PUNCT
cjfa-45177	707	3	pk	pk	PROPN
cjfa-45177	707	4	&	&	CCONJ
cjfa-45177	707	5	osabutey	osabutey	PROPN
cjfa-45177	707	6	l.c	l.c	PROPN
cjfa-45177	707	7	.	.	PROPN
cjfa-45177	707	8	(	(	PUNCT
cjfa-45177	707	9	2020	2020	NUM
cjfa-45177	707	10	)	)	PUNCT
cjfa-45177	707	11	.	.	PUNCT
cjfa-45177	708	1	unearthing	unearth	VERB
cjfa-45177	708	2	antecedents	antecedent	NOUN
cjfa-45177	708	3	to	to	ADP
cjfa-45177	708	4	financial	financial	ADJ
cjfa-45177	708	5	inclusion	inclusion	NOUN
cjfa-45177	708	6	through	through	ADP
cjfa-45177	708	7	fintech	fintech	NOUN
cjfa-45177	708	8	innovations	innovation	NOUN
cjfa-45177	708	9	.	.	PUNCT
cjfa-45177	709	1	technovation	technovation	NOUN
cjfa-45177	709	2	,	,	PUNCT
cjfa-45177	709	3	98(10	98(10	NUM
cjfa-45177	709	4	)	)	PUNCT
cjfa-45177	709	5	,	,	PUNCT
cjfa-45177	709	6	1–14	1–14	PROPN
cjfa-45177	709	7	.	.	PUNCT
cjfa-45177	710	1	https://doi.org/10.1016/j	https://doi.org/10.1016/j	NOUN
cjfa-45177	710	2	.	.	PUNCT
cjfa-45177	711	1	technovation.2020.102155	technovation.2020.102155	ADJ
cjfa-45177	711	2	.	.	PUNCT
cjfa-45177	711	3	song	song	PROPN
cjfa-45177	711	4	,	,	PUNCT
cjfa-45177	711	5	c.q	c.q	PROPN
cjfa-45177	711	6	.	.	PROPN
cjfa-45177	711	7	,	,	PUNCT
cjfa-45177	711	8	chang	chang	PROPN
cjfa-45177	711	9	,	,	PUNCT
cjfa-45177	711	10	c.p	c.p	PROPN
cjfa-45177	711	11	.	.	PROPN
cjfa-45177	711	12	,	,	PUNCT
cjfa-45177	711	13	&	&	CCONJ
cjfa-45177	711	14	gong	gong	PROPN
cjfa-45177	711	15	,	,	PUNCT
cjfa-45177	711	16	q.	q.	PROPN
cjfa-45177	711	17	(	(	PUNCT
cjfa-45177	711	18	2021	2021	NUM
cjfa-45177	711	19	)	)	PUNCT
cjfa-45177	711	20	.	.	PUNCT
cjfa-45177	712	1	economic	economic	ADJ
cjfa-45177	712	2	growth	growth	NOUN
cjfa-45177	712	3	,	,	PUNCT
cjfa-45177	712	4	corruption	corruption	NOUN
cjfa-45177	712	5	,	,	PUNCT
cjfa-45177	712	6	and	and	CCONJ
cjfa-45177	712	7	financial	financial	ADJ
cjfa-45177	712	8	development	development	NOUN
cjfa-45177	712	9	:	:	PUNCT
cjfa-45177	712	10	global	global	ADJ
cjfa-45177	712	11	evidence	evidence	NOUN
cjfa-45177	712	12	.	.	PUNCT
cjfa-45177	713	1	economic	economic	ADJ
cjfa-45177	713	2	modelling	modelling	NOUN
cjfa-45177	713	3	,	,	PUNCT
cjfa-45177	713	4	94(3	94(3	NUM
cjfa-45177	713	5	)	)	PUNCT
cjfa-45177	713	6	,	,	PUNCT
cjfa-45177	713	7	822–830	822–830	NUM
cjfa-45177	713	8	.	.	PUNCT
cjfa-45177	713	9	http://dx.doi	http://dx.doi	NOUN
cjfa-45177	713	10	.	.	PUNCT
cjfa-45177	714	1	org/10.1016	org/10.1016	PROPN
cjfa-45177	714	2	/	/	SYM
cjfa-45177	714	3	j.econmod.2020.02.022	j.econmod.2020.02.022	PROPN
cjfa-45177	714	4	.	.	PUNCT
cjfa-45177	715	1	stock	stock	PROPN
cjfa-45177	715	2	,	,	PUNCT
cjfa-45177	715	3	j.h	j.h	PROPN
cjfa-45177	715	4	.	.	PROPN
cjfa-45177	715	5	,	,	PUNCT
cjfa-45177	715	6	wright	wright	PROPN
cjfa-45177	715	7	,	,	PUNCT
cjfa-45177	715	8	j.h	j.h	PROPN
cjfa-45177	715	9	.	.	PROPN
cjfa-45177	715	10	,	,	PUNCT
cjfa-45177	715	11	&	&	CCONJ
cjfa-45177	715	12	yogo	yogo	PROPN
cjfa-45177	715	13	,	,	PUNCT
cjfa-45177	715	14	m	m	PROPN
cjfa-45177	715	15	(	(	PUNCT
cjfa-45177	715	16	2002	2002	NUM
cjfa-45177	715	17	)	)	PUNCT
cjfa-45177	715	18	.	.	PUNCT
cjfa-45177	716	1	a	a	DET
cjfa-45177	716	2	survey	survey	NOUN
cjfa-45177	716	3	of	of	ADP
cjfa-45177	716	4	weak	weak	ADJ
cjfa-45177	716	5	instruments	instrument	NOUN
cjfa-45177	716	6	and	and	CCONJ
cjfa-45177	716	7	weak	weak	ADJ
cjfa-45177	716	8	identification	identification	NOUN
cjfa-45177	716	9	in	in	ADP
cjfa-45177	716	10	generalized	generalized	ADJ
cjfa-45177	716	11	method	method	NOUN
cjfa-45177	716	12	of	of	ADP
cjfa-45177	716	13	moments	moment	NOUN
cjfa-45177	716	14	.	.	PUNCT
cjfa-45177	717	1	american	american	ADJ
cjfa-45177	717	2	statistical	statistical	PROPN
cjfa-45177	717	3	association	association	PROPN
cjfa-45177	717	4	journal	journal	PROPN
cjfa-45177	717	5	of	of	ADP
cjfa-45177	717	6	business	business	NOUN
cjfa-45177	717	7	et	et	PROPN
cjfa-45177	717	8	economic	economic	ADJ
cjfa-45177	717	9	statistics	statistic	NOUN
cjfa-45177	717	10	,	,	PUNCT
cjfa-45177	717	11	20(4	20(4	NOUN
cjfa-45177	717	12	)	)	PUNCT
cjfa-45177	717	13	,	,	PUNCT
cjfa-45177	717	14	125–139	125–139	NUM
cjfa-45177	717	15	.	.	PUNCT
cjfa-45177	718	1	http://dx.doi	http://dx.doi	NOUN
cjfa-45177	718	2	.	.	PUNCT
cjfa-45177	719	1	org/10.1198/073500102288618658	org/10.1198/073500102288618658	NOUN
cjfa-45177	719	2	.	.	PUNCT
cjfa-45177	719	3	swamy	swamy	PROPN
cjfa-45177	719	4	,	,	PUNCT
cjfa-45177	719	5	v.	v.	PROPN
cjfa-45177	719	6	(	(	PUNCT
cjfa-45177	719	7	2014	2014	NUM
cjfa-45177	719	8	)	)	PUNCT
cjfa-45177	719	9	.	.	PUNCT
cjfa-45177	720	1	financial	financial	ADJ
cjfa-45177	720	2	inclusion	inclusion	NOUN
cjfa-45177	720	3	,	,	PUNCT
cjfa-45177	720	4	gender	gender	NOUN
cjfa-45177	720	5	dimension	dimension	NOUN
cjfa-45177	720	6	,	,	PUNCT
cjfa-45177	720	7	and	and	CCONJ
cjfa-45177	720	8	economic	economic	ADJ
cjfa-45177	720	9	impact	impact	NOUN
cjfa-45177	720	10	on	on	ADP
cjfa-45177	720	11	poor	poor	ADJ
cjfa-45177	720	12	households	household	NOUN
cjfa-45177	720	13	.	.	PUNCT
cjfa-45177	721	1	world	world	NOUN
cjfa-45177	721	2	development	development	PROPN
cjfa-45177	721	3	,	,	PUNCT
cjfa-45177	721	4	56(2	56(2	ADJ
cjfa-45177	721	5	)	)	PUNCT
cjfa-45177	721	6	,	,	PUNCT
cjfa-45177	721	7	1–15	1–15	NUM
cjfa-45177	721	8	.	.	PUNCT
cjfa-45177	722	1	tchamyou	tchamyou	PROPN
cjfa-45177	722	2	,	,	PUNCT
cjfa-45177	722	3	v.s.	v.s.	ADJ
cjfa-45177	722	4	,	,	PUNCT
cjfa-45177	722	5	erreyger	erreyger	NOUN
cjfa-45177	722	6	,	,	PUNCT
cjfa-45177	722	7	g.	g.	PROPN
cjfa-45177	722	8	,	,	PUNCT
cjfa-45177	722	9	&	&	CCONJ
cjfa-45177	722	10	cassimon	cassimon	PROPN
cjfa-45177	722	11	,	,	PUNCT
cjfa-45177	722	12	d.	d.	PROPN
cjfa-45177	722	13	(	(	PUNCT
cjfa-45177	722	14	2019	2019	NUM
cjfa-45177	722	15	)	)	PUNCT
cjfa-45177	722	16	.	.	PUNCT
cjfa-45177	723	1	inequality	inequality	NOUN
cjfa-45177	723	2	,	,	PUNCT
cjfa-45177	723	3	ict	ict	NOUN
cjfa-45177	723	4	and	and	CCONJ
cjfa-45177	723	5	financial	financial	ADJ
cjfa-45177	723	6	access	access	NOUN
cjfa-45177	723	7	in	in	ADP
cjfa-45177	723	8	africa	africa	PROPN
cjfa-45177	723	9	.	.	PUNCT
cjfa-45177	724	1	technological	technological	ADJ
cjfa-45177	724	2	forecasting	forecasting	NOUN
cjfa-45177	724	3	and	and	CCONJ
cjfa-45177	724	4	social	social	ADJ
cjfa-45177	724	5	change	change	NOUN
cjfa-45177	724	6	,	,	PUNCT
cjfa-45177	724	7	13(9	13(9	NUM
cjfa-45177	724	8	)	)	PUNCT
cjfa-45177	724	9	,	,	PUNCT
cjfa-45177	724	10	169–184	169–184	NUM
cjfa-45177	724	11	.	.	PUNCT
cjfa-45177	724	12	http://dx.doi	http://dx.doi	NOUN
cjfa-45177	724	13	.	.	PUNCT
cjfa-45177	725	1	org/10.1016	org/10.1016	PROPN
cjfa-45177	725	2	/	/	SYM
cjfa-45177	725	3	j.techfore.2018.11.004	j.techfore.2018.11.004	PROPN
cjfa-45177	725	4	.	.	PUNCT
cjfa-45177	726	1	the	the	DET
cjfa-45177	726	2	global	global	ADJ
cjfa-45177	726	3	findex	findex	PROPN
cjfa-45177	726	4	database	database	NOUN
cjfa-45177	726	5	(	(	PUNCT
cjfa-45177	726	6	2017	2017	NUM
cjfa-45177	726	7	)	)	PUNCT
cjfa-45177	726	8	.	.	PUNCT
cjfa-45177	727	1	measuring	measure	VERB
cjfa-45177	727	2	financial	financial	ADJ
cjfa-45177	727	3	inclusion	inclusion	NOUN
cjfa-45177	727	4	and	and	CCONJ
cjfa-45177	727	5	the	the	DET
cjfa-45177	727	6	fintech	fintech	NOUN
cjfa-45177	727	7	revolution	revolution	NOUN
cjfa-45177	727	8	.	.	PUNCT
cjfa-45177	728	1	world	world	PROPN
cjfa-45177	728	2	bank	bank	PROPN
cjfa-45177	728	3	,	,	PUNCT
cjfa-45177	728	4	27(2	27(2	NUM
cjfa-45177	728	5	)	)	PUNCT
cjfa-45177	728	6	.	.	PUNCT
cjfa-45177	729	1	http://dx.doi.org/10.1596/978-1-4648-1259-0	http://dx.doi.org/10.1596/978-1-4648-1259-0	PROPN
cjfa-45177	729	2	.	.	PUNCT
cjfa-45177	730	1	wulli	wulli	PROPN
cjfa-45177	730	2	faustin	faustin	PROPN
cjfa-45177	730	3	djoufouet	djoufouet	PROPN
cjfa-45177	730	4	,	,	PUNCT
cjfa-45177	730	5	thierry	thierry	NOUN
cjfa-45177	730	6	messie	messie	PROPN
cjfa-45177	730	7	pondie8888	pondie8888	PROPN
cjfa-45177	730	8	tram	tram	PROPN
cjfa-45177	730	9	,	,	PUNCT
cjfa-45177	730	10	t.x.h	t.x.h	INTJ
cjfa-45177	730	11	.	.	PROPN
cjfa-45177	730	12	,	,	PUNCT
cjfa-45177	730	13	lai	lai	PROPN
cjfa-45177	730	14	,	,	PUNCT
cjfa-45177	730	15	t.d	t.d	PROPN
cjfa-45177	730	16	.	.	PROPN
cjfa-45177	730	17	,	,	PUNCT
cjfa-45177	730	18	&	&	CCONJ
cjfa-45177	730	19	nguyen	nguyen	PROPN
cjfa-45177	730	20	,	,	PUNCT
cjfa-45177	730	21	t.t.h	t.t.h	NOUN
cjfa-45177	730	22	.	.	PUNCT
cjfa-45177	731	1	(	(	PUNCT
cjfa-45177	731	2	2021	2021	NUM
cjfa-45177	731	3	)	)	PUNCT
cjfa-45177	731	4	.	.	PUNCT
cjfa-45177	732	1	constructing	construct	VERB
cjfa-45177	732	2	a	a	DET
cjfa-45177	732	3	composite	composite	ADJ
cjfa-45177	732	4	financial	financial	ADJ
cjfa-45177	732	5	inclusion	inclusion	NOUN
cjfa-45177	732	6	index	index	NOUN
cjfa-45177	732	7	for	for	ADP
cjfa-45177	732	8	developing	develop	VERB
cjfa-45177	732	9	economies	economy	NOUN
cjfa-45177	732	10	.	.	PUNCT
cjfa-45177	733	1	the	the	DET
cjfa-45177	733	2	quarterly	quarterly	ADJ
cjfa-45177	733	3	review	review	NOUN
cjfa-45177	733	4	of	of	ADP
cjfa-45177	733	5	economics	economic	NOUN
cjfa-45177	733	6	and	and	CCONJ
cjfa-45177	733	7	finance	finance	NOUN
cjfa-45177	733	8	,	,	PUNCT
cjfa-45177	733	9	27(2	27(2	NUM
cjfa-45177	733	10	)	)	PUNCT
cjfa-45177	733	11	.	.	PUNCT
cjfa-45177	734	1	http://dx.doi.org/10.1016/j.qref.2021.01.003	http://dx.doi.org/10.1016/j.qref.2021.01.003	PROPN
cjfa-45177	734	2	.	.	PROPN
cjfa-45177	734	3	usman	usman	PROPN
cjfa-45177	734	4	,	,	PUNCT
cjfa-45177	734	5	m.	m.	NOUN
cjfa-45177	734	6	,	,	PUNCT
cjfa-45177	734	7	makhdum	makhdum	NOUN
cjfa-45177	734	8	,	,	PUNCT
cjfa-45177	734	9	m.s.a	m.s.a	NOUN
cjfa-45177	734	10	.	.	PROPN
cjfa-45177	734	11	,	,	PUNCT
cjfa-45177	734	12	&	&	CCONJ
cjfa-45177	734	13	kousar	kousar	PROPN
cjfa-45177	734	14	,	,	PUNCT
cjfa-45177	734	15	r.	r.	PROPN
cjfa-45177	734	16	(	(	PUNCT
cjfa-45177	734	17	2021	2021	NUM
cjfa-45177	734	18	)	)	PUNCT
cjfa-45177	734	19	.	.	PUNCT
cjfa-45177	735	1	does	do	AUX
cjfa-45177	735	2	financial	financial	ADJ
cjfa-45177	735	3	inclusion	inclusion	NOUN
cjfa-45177	735	4	,	,	PUNCT
cjfa-45177	735	5	renewable	renewable	ADJ
cjfa-45177	735	6	and	and	CCONJ
cjfa-45177	735	7	non	non	ADJ
cjfa-45177	735	8	-	-	ADJ
cjfa-45177	735	9	renewable	renewable	ADJ
cjfa-45177	735	10	energy	energy	NOUN
cjfa-45177	735	11	utilization	utilization	NOUN
cjfa-45177	735	12	accelerate	accelerate	VERB
cjfa-45177	735	13	ecological	ecological	ADJ
cjfa-45177	735	14	footprints	footprint	NOUN
cjfa-45177	735	15	and	and	CCONJ
cjfa-45177	735	16	economic	economic	ADJ
cjfa-45177	735	17	growth	growth	NOUN
cjfa-45177	735	18	?	?	PUNCT
cjfa-45177	736	1	fresh	fresh	ADJ
cjfa-45177	736	2	evidence	evidence	NOUN
cjfa-45177	736	3	from	from	ADP
cjfa-45177	736	4	15	15	NUM
cjfa-45177	736	5	highest	high	ADJ
cjfa-45177	736	6	emitting	emit	VERB
cjfa-45177	736	7	countries	country	NOUN
cjfa-45177	736	8	.	.	PUNCT
cjfa-45177	737	1	sustainable	sustainable	ADJ
cjfa-45177	737	2	cities	city	NOUN
cjfa-45177	737	3	and	and	CCONJ
cjfa-45177	737	4	society	society	NOUN
cjfa-45177	737	5	,	,	PUNCT
cjfa-45177	737	6	65(1	65(1	NOUN
cjfa-45177	737	7	)	)	PUNCT
cjfa-45177	737	8	,	,	PUNCT
cjfa-45177	737	9	102590	102590	NUM
cjfa-45177	737	10	.	.	PUNCT
cjfa-45177	738	1	http://dx.doi.org/10.1016/j.scs.2020.102590	http://dx.doi.org/10.1016/j.scs.2020.102590	NOUN
cjfa-45177	738	2	.	.	PUNCT
cjfa-45177	739	1	were	be	AUX
cjfa-45177	739	2	,	,	PUNCT
cjfa-45177	739	3	m.	m.	NOUN
cjfa-45177	739	4	,	,	PUNCT
cjfa-45177	739	5	odongo	odongo	NOUN
cjfa-45177	739	6	,	,	PUNCT
cjfa-45177	739	7	m.	m.	NOUN
cjfa-45177	739	8	,	,	PUNCT
cjfa-45177	739	9	&	&	CCONJ
cjfa-45177	739	10	israel	israel	PROPN
cjfa-45177	739	11	,	,	PUNCT
cjfa-45177	739	12	c.	c.	PROPN
cjfa-45177	739	13	(	(	PUNCT
cjfa-45177	739	14	2021	2021	NUM
cjfa-45177	739	15	)	)	PUNCT
cjfa-45177	739	16	.	.	PUNCT
cjfa-45177	740	1	gender	gender	NOUN
cjfa-45177	740	2	disparities	disparity	NOUN
cjfa-45177	740	3	in	in	ADP
cjfa-45177	740	4	financial	financial	ADJ
cjfa-45177	740	5	inclusion	inclusion	NOUN
cjfa-45177	740	6	in	in	ADP
cjfa-45177	740	7	tanzania	tanzania	PROPN
cjfa-45177	740	8	.	.	PUNCT
cjfa-45177	741	1	wider	wide	ADJ
cjfa-45177	741	2	working	working	NOUN
cjfa-45177	741	3	paper	paper	NOUN
cjfa-45177	741	4	,	,	PUNCT
cjfa-45177	741	5	2021/97	2021/97	NUM
cjfa-45177	741	6	.	.	PUNCT
cjfa-45177	742	1	xu	xu	PROPN
cjfa-45177	742	2	,	,	PUNCT
cjfa-45177	742	3	x.	x.	NOUN
cjfa-45177	742	4	(	(	PUNCT
cjfa-45177	742	5	2020	2020	NUM
cjfa-45177	742	6	)	)	PUNCT
cjfa-45177	742	7	.	.	PUNCT
cjfa-45177	743	1	trust	trust	NOUN
cjfa-45177	743	2	and	and	CCONJ
cjfa-45177	743	3	financial	financial	ADJ
cjfa-45177	743	4	inclusion	inclusion	NOUN
cjfa-45177	743	5	:	:	PUNCT
cjfa-45177	743	6	a	a	DET
cjfa-45177	743	7	cross	cross	ADJ
cjfa-45177	743	8	-	-	ADJ
cjfa-45177	743	9	country	country	ADJ
cjfa-45177	743	10	study	study	NOUN
cjfa-45177	743	11	.	.	PUNCT
cjfa-45177	744	1	finance	finance	NOUN
cjfa-45177	744	2	research	research	NOUN
cjfa-45177	744	3	letters	letter	NOUN
cjfa-45177	744	4	,	,	PUNCT
cjfa-45177	744	5	35	35	NUM
cjfa-45177	744	6	,	,	PUNCT
cjfa-45177	744	7	7(1	7(1	NUM
cjfa-45177	744	8	)	)	PUNCT
cjfa-45177	744	9	,	,	PUNCT
cjfa-45177	744	10	101–114	101–114	NUM
cjfa-45177	744	11	.	.	PUNCT
cjfa-45177	745	1	yorulmaz	yorulmaz	NOUN
cjfa-45177	745	2	,	,	PUNCT
cjfa-45177	745	3	r.	r.	PROPN
cjfa-45177	745	4	(	(	PUNCT
cjfa-45177	745	5	2018	2018	NUM
cjfa-45177	745	6	)	)	PUNCT
cjfa-45177	745	7	.	.	PUNCT
cjfa-45177	746	1	an	an	DET
cjfa-45177	746	2	analysis	analysis	NOUN
cjfa-45177	746	3	of	of	ADP
cjfa-45177	746	4	constructing	construct	VERB
cjfa-45177	746	5	global	global	ADJ
cjfa-45177	746	6	financial	financial	ADJ
cjfa-45177	746	7	inclusion	inclusion	NOUN
cjfa-45177	746	8	indices	index	NOUN
cjfa-45177	746	9	.	.	PUNCT
cjfa-45177	747	1	borsa	borsa	PROPN
cjfa-45177	747	2	istanbul	istanbul	PROPN
cjfa-45177	747	3	review	review	PROPN
cjfa-45177	747	4	,	,	PUNCT
cjfa-45177	747	5	18(3	18(3	NUM
cjfa-45177	747	6	)	)	PUNCT
cjfa-45177	747	7	,	,	PUNCT
cjfa-45177	747	8	248–258	248–258	NUM
cjfa-45177	747	9	.	.	PUNCT
cjfa-45177	748	1	http://dx.doi.org/10.1016/j.bir.2018.05.001	http://dx.doi.org/10.1016/j.bir.2018.05.001	PROPN
cjfa-45177	748	2	.	.	PUNCT
cjfa-45177	749	1	zhang	zhang	PROPN
cjfa-45177	749	2	,	,	PUNCT
cjfa-45177	749	3	q.	q.	PROPN
cjfa-45177	749	4	,	,	PUNCT
cjfa-45177	749	5	&	&	CCONJ
cjfa-45177	749	6	posso	posso	PROPN
cjfa-45177	749	7	,	,	PUNCT
cjfa-45177	749	8	a.	a.	NOUN
cjfa-45177	749	9	(	(	PUNCT
cjfa-45177	749	10	2019	2019	NUM
cjfa-45177	749	11	)	)	PUNCT
cjfa-45177	749	12	.	.	PUNCT
cjfa-45177	750	1	thinking	think	VERB
cjfa-45177	750	2	inside	inside	ADP
cjfa-45177	750	3	the	the	DET
cjfa-45177	750	4	box	box	NOUN
cjfa-45177	750	5	:	:	PUNCT
cjfa-45177	750	6	a	a	DET
cjfa-45177	750	7	closer	close	ADJ
cjfa-45177	750	8	look	look	NOUN
cjfa-45177	750	9	at	at	ADP
cjfa-45177	750	10	financial	financial	ADJ
cjfa-45177	750	11	inclusion	inclusion	NOUN
cjfa-45177	750	12	and	and	CCONJ
cjfa-45177	750	13	household	household	NOUN
cjfa-45177	750	14	income	income	NOUN
cjfa-45177	750	15	.	.	PUNCT
cjfa-45177	751	1	the	the	DET
cjfa-45177	751	2	journal	journal	PROPN
cjfa-45177	751	3	of	of	ADP
cjfa-45177	751	4	development	development	NOUN
cjfa-45177	751	5	studies	study	NOUN
cjfa-45177	751	6	,	,	PUNCT
cjfa-45177	751	7	55(7	55(7	NUM
cjfa-45177	751	8	)	)	PUNCT
cjfa-45177	751	9	,	,	PUNCT
cjfa-45177	751	10	1616–1631	1616–1631	NUM
cjfa-45177	751	11	.	.	PUNCT
cjfa-45177	752	1	http://dx.doi.org/10.1080/00220388.2017.1380798	http://dx.doi.org/10.1080/00220388.2017.1380798	INTJ
cjfa-45177	752	2	.	.	PUNCT
cjfa-45177	752	3	(	(	PUNCT
cjfa-45177	752	4	www1	www1	PROPN
cjfa-45177	752	5	)	)	PUNCT
cjfa-45177	752	6	objectifs	objectifs	PROPN
cjfa-45177	752	7	et	et	PROPN
cjfa-45177	752	8	domaines	domaines	PROPN
cjfa-45177	752	9	prioritaires	prioritaire	NOUN
cjfa-45177	752	10	de	de	X
cjfa-45177	752	11	l’agenda	l’agenda	PROPN
cjfa-45177	752	12	2063	2063	NUM
cjfa-45177	752	13	,	,	PUNCT
cjfa-45177	752	14	https://au.int/fr/agenda2063/objectifs	https://au.int/fr/agenda2063/objectifs	PROPN
cjfa-45177	752	15	.	.	PUNCT