id	keyword
cjfa-45177	� �
cjfa-45177	financial
cjfa-45177	inclusion
cjfa-45177	fintech
cjfa-45177	𝐹𝐹𝐹𝐹𝐹𝐹 �
cjfa-45177	model
cjfa-45177	services
cjfa-45177	results
cjfa-45177	study
cjfa-45177	finance
cjfa-45177	variables
cjfa-45177	people
cjfa-45177	africa
cjfa-45177	countries
cjfa-45177	journal
cjfa-45177	level
cjfa-45177	economic