id	sid	tid	token	lemma	pos
easat-6664	1	1	edelweiss	edelweiss	PROPN
easat-6664	1	2	applied	apply	VERB
easat-6664	1	3	science	science	NOUN
easat-6664	1	4	and	and	CCONJ
easat-6664	1	5	technology	technology	NOUN
easat-6664	1	6	issn	issn	PROPN
easat-6664	1	7	:	:	PUNCT
easat-6664	1	8	2576	2576	NUM
easat-6664	1	9	-	-	SYM
easat-6664	1	10	8484	8484	NUM
easat-6664	1	11	vol	vol	NOUN
easat-6664	1	12	.	.	PROPN
easat-6664	2	1	9	9	NUM
easat-6664	2	2	,	,	PUNCT
easat-6664	2	3	no	no	INTJ
easat-6664	2	4	.	.	NOUN
easat-6664	2	5	4	4	NUM
easat-6664	2	6	,	,	PUNCT
easat-6664	2	7	2862	2862	NUM
easat-6664	2	8	-	-	SYM
easat-6664	2	9	2876	2876	NUM
easat-6664	2	10	2025	2025	NUM
easat-6664	2	11	publisher	publisher	NOUN
easat-6664	2	12	:	:	PUNCT
easat-6664	2	13	learning	learn	VERB
easat-6664	2	14	gate	gate	NOUN
easat-6664	2	15	doi	doi	PROPN
easat-6664	2	16	:	:	PUNCT
easat-6664	2	17	10.55214/25768484.v9i4.6664	10.55214/25768484.v9i4.6664	NUM
easat-6664	2	18	©	©	PROPN
easat-6664	2	19	2025	2025	NUM
easat-6664	2	20	by	by	ADP
easat-6664	2	21	the	the	DET
easat-6664	2	22	authors	author	NOUN
easat-6664	2	23	;	;	PUNCT
easat-6664	2	24	licensee	licensee	PROPN
easat-6664	2	25	learning	learning	NOUN
easat-6664	2	26	gate	gate	NOUN
easat-6664	3	1	©	©	PROPN
easat-6664	3	2	2025	2025	NUM
easat-6664	3	3	by	by	ADP
easat-6664	3	4	the	the	DET
easat-6664	3	5	authors	author	NOUN
easat-6664	3	6	;	;	PUNCT
easat-6664	3	7	licensee	licensee	PROPN
easat-6664	3	8	learning	learning	NOUN
easat-6664	3	9	gate	gate	NOUN
easat-6664	3	10	history	history	NOUN
easat-6664	3	11	:	:	PUNCT
easat-6664	3	12	received	receive	VERB
easat-6664	3	13	:	:	PUNCT
easat-6664	3	14	14	14	NUM
easat-6664	3	15	february	february	NOUN
easat-6664	3	16	2025	2025	NUM
easat-6664	3	17	;	;	PUNCT
easat-6664	3	18	revised	revise	VERB
easat-6664	3	19	:	:	PUNCT
easat-6664	3	20	8	8	NUM
easat-6664	3	21	april	april	PROPN
easat-6664	3	22	2025	2025	NUM
easat-6664	3	23	;	;	PUNCT
easat-6664	3	24	accepted	accept	VERB
easat-6664	3	25	:	:	PUNCT
easat-6664	3	26	11	11	NUM
easat-6664	3	27	april	april	PROPN
easat-6664	3	28	2025	2025	NUM
easat-6664	3	29	;	;	PUNCT
easat-6664	3	30	published	publish	VERB
easat-6664	3	31	:	:	PUNCT
easat-6664	3	32	28	28	NUM
easat-6664	3	33	april	april	PROPN
easat-6664	3	34	2025	2025	NUM
easat-6664	3	35	*	*	PUNCT
easat-6664	3	36	correspondence	correspondence	NOUN
easat-6664	3	37	:	:	PUNCT
easat-6664	3	38	nvhai@lhu.edu.vn	nvhai@lhu.edu.vn	NOUN
easat-6664	3	39	unveiling	unveil	VERB
easat-6664	3	40	the	the	DET
easat-6664	3	41	impact	impact	NOUN
easat-6664	3	42	of	of	ADP
easat-6664	3	43	digital	digital	ADJ
easat-6664	3	44	financial	financial	ADJ
easat-6664	3	45	inclusion	inclusion	NOUN
easat-6664	3	46	and	and	CCONJ
easat-6664	3	47	financial	financial	ADJ
easat-6664	3	48	development	development	NOUN
easat-6664	3	49	on	on	ADP
easat-6664	3	50	global	global	ADJ
easat-6664	3	51	unemployment	unemployment	NOUN
easat-6664	3	52	:	:	PUNCT
easat-6664	3	53	a	a	DET
easat-6664	3	54	bayesian	bayesian	NOUN
easat-6664	3	55	quantile	quantile	NOUN
easat-6664	3	56	regression	regression	NOUN
easat-6664	3	57	approach	approach	NOUN
easat-6664	3	58	dinh	dinh	PROPN
easat-6664	3	59	le	le	X
easat-6664	3	60	quoc1	quoc1	PROPN
easat-6664	3	61	,	,	PUNCT
easat-6664	3	62	thanh	thanh	PROPN
easat-6664	3	63	tran	tran	PROPN
easat-6664	3	64	duy2	duy2	PROPN
easat-6664	3	65	,	,	PUNCT
easat-6664	3	66	anh	anh	PROPN
easat-6664	3	67	nguyen	nguyen	PROPN
easat-6664	3	68	hoang	hoang	PROPN
easat-6664	3	69	hai3	hai3	PROPN
easat-6664	3	70	,	,	PUNCT
easat-6664	3	71	hai	hai	PROPN
easat-6664	3	72	nguyen	nguyen	PROPN
easat-6664	3	73	van4	van4	PROPN
easat-6664	3	74	*	*	PROPN
easat-6664	3	75	1,2,4faculty	1,2,4faculty	NUM
easat-6664	3	76	of	of	ADP
easat-6664	3	77	finance	finance	NOUN
easat-6664	3	78	and	and	CCONJ
easat-6664	3	79	accounting	accounting	NOUN
easat-6664	3	80	,	,	PUNCT
easat-6664	3	81	lac	lac	PROPN
easat-6664	3	82	hong	hong	PROPN
easat-6664	3	83	university	university	PROPN
easat-6664	3	84	,	,	PUNCT
easat-6664	3	85	bien	bien	PROPN
easat-6664	3	86	hoa	hoa	PROPN
easat-6664	3	87	city	city	PROPN
easat-6664	3	88	,	,	PUNCT
easat-6664	3	89	dong	dong	PROPN
easat-6664	3	90	nai	nai	PROPN
easat-6664	3	91	province	province	PROPN
easat-6664	3	92	,	,	PUNCT
easat-6664	3	93	vietnam	vietnam	PROPN
easat-6664	3	94	;	;	PUNCT
easat-6664	3	95	dinhle@hlu.edu.vn	dinhle@hlu.edu.vn	NOUN
easat-6664	3	96	(	(	PUNCT
easat-6664	3	97	d.l.q	d.l.q	NOUN
easat-6664	3	98	)	)	PUNCT
easat-6664	3	99	tranduythanh22042005@gmail.com	tranduythanh22042005@gmail.com	NOUN
easat-6664	4	1	(	(	PUNCT
easat-6664	4	2	t.t.d	t.t.d	ADJ
easat-6664	4	3	.	.	PUNCT
easat-6664	4	4	)	)	PUNCT
easat-6664	5	1	nvhai@lhu.edu.vn	nvhai@lhu.edu.vn	NOUN
easat-6664	5	2	(	(	PUNCT
easat-6664	5	3	h.n.v	h.n.v	NOUN
easat-6664	5	4	.	.	PUNCT
easat-6664	5	5	)	)	PUNCT
easat-6664	6	1	3luong	3luong	NUM
easat-6664	6	2	the	the	DET
easat-6664	6	3	vinh	vinh	PROPN
easat-6664	6	4	specialized	specialized	ADJ
easat-6664	6	5	high	high	PROPN
easat-6664	6	6	school	school	NOUN
easat-6664	6	7	,	,	PUNCT
easat-6664	6	8	dong	dong	PROPN
easat-6664	6	9	nai	nai	PROPN
easat-6664	6	10	province	province	PROPN
easat-6664	6	11	,	,	PUNCT
easat-6664	6	12	bien	bien	PROPN
easat-6664	6	13	hoa	hoa	PROPN
easat-6664	6	14	city	city	PROPN
easat-6664	6	15	,	,	PUNCT
easat-6664	6	16	dong	dong	PROPN
easat-6664	6	17	nai	nai	PROPN
easat-6664	6	18	province	province	PROPN
easat-6664	6	19	,	,	PUNCT
easat-6664	6	20	vietnam	vietnam	PROPN
easat-6664	6	21	;	;	PUNCT
easat-6664	6	22	haianhnguyenhoangltv@gmail.com	haianhnguyenhoangltv@gmail.com	X
easat-6664	6	23	(	(	PUNCT
easat-6664	6	24	a.n.h.h	a.n.h.h	PROPN
easat-6664	6	25	)	)	PUNCT
easat-6664	6	26	.	.	PUNCT
easat-6664	7	1	abstract	abstract	ADJ
easat-6664	7	2	:	:	PUNCT
easat-6664	7	3	this	this	DET
easat-6664	7	4	study	study	NOUN
easat-6664	7	5	investigates	investigate	VERB
easat-6664	7	6	the	the	DET
easat-6664	7	7	impact	impact	NOUN
easat-6664	7	8	of	of	ADP
easat-6664	7	9	digital	digital	ADJ
easat-6664	7	10	financial	financial	ADJ
easat-6664	7	11	inclusion	inclusion	NOUN
easat-6664	7	12	(	(	PUNCT
easat-6664	7	13	dfi	dfi	PROPN
easat-6664	7	14	)	)	PUNCT
easat-6664	7	15	and	and	CCONJ
easat-6664	7	16	financial	financial	ADJ
easat-6664	7	17	development	development	NOUN
easat-6664	7	18	(	(	PUNCT
easat-6664	7	19	fd	fd	PROPN
easat-6664	7	20	)	)	PUNCT
easat-6664	7	21	on	on	ADP
easat-6664	7	22	unemployment	unemployment	NOUN
easat-6664	7	23	(	(	PUNCT
easat-6664	7	24	une	une	PROPN
easat-6664	7	25	)	)	PUNCT
easat-6664	7	26	across	across	ADP
easat-6664	7	27	112	112	NUM
easat-6664	7	28	countries	country	NOUN
easat-6664	7	29	from	from	ADP
easat-6664	7	30	2004	2004	NUM
easat-6664	7	31	to	to	ADP
easat-6664	7	32	2022	2022	NUM
easat-6664	7	33	.	.	PUNCT
easat-6664	8	1	using	use	VERB
easat-6664	8	2	the	the	DET
easat-6664	8	3	bayesian	bayesian	NOUN
easat-6664	8	4	quantile	quantile	ADJ
easat-6664	8	5	regression	regression	NOUN
easat-6664	8	6	(	(	PUNCT
easat-6664	8	7	bqr	bqr	NOUN
easat-6664	8	8	)	)	PUNCT
easat-6664	8	9	method	method	NOUN
easat-6664	8	10	,	,	PUNCT
easat-6664	8	11	the	the	DET
easat-6664	8	12	analysis	analysis	NOUN
easat-6664	8	13	reveals	reveal	VERB
easat-6664	8	14	that	that	SCONJ
easat-6664	8	15	dfi	dfi	PROPN
easat-6664	8	16	significantly	significantly	ADV
easat-6664	8	17	reduces	reduce	VERB
easat-6664	8	18	unemployment	unemployment	NOUN
easat-6664	8	19	rates	rate	NOUN
easat-6664	8	20	at	at	ADP
easat-6664	8	21	all	all	DET
easat-6664	8	22	quantiles	quantile	NOUN
easat-6664	8	23	,	,	PUNCT
easat-6664	8	24	including	include	VERB
easat-6664	8	25	0.1	0.1	NUM
easat-6664	8	26	,	,	PUNCT
easat-6664	8	27	0.25	0.25	NUM
easat-6664	8	28	,	,	PUNCT
easat-6664	8	29	0.5	0.5	NUM
easat-6664	8	30	,	,	PUNCT
easat-6664	8	31	0.75	0.75	NUM
easat-6664	8	32	,	,	PUNCT
easat-6664	8	33	and	and	CCONJ
easat-6664	8	34	0.9	0.9	NUM
easat-6664	8	35	.	.	PUNCT
easat-6664	9	1	these	these	DET
easat-6664	9	2	findings	finding	NOUN
easat-6664	9	3	suggest	suggest	VERB
easat-6664	9	4	that	that	SCONJ
easat-6664	9	5	dfi	dfi	PROPN
easat-6664	9	6	has	have	VERB
easat-6664	9	7	a	a	DET
easat-6664	9	8	consistent	consistent	ADJ
easat-6664	9	9	and	and	CCONJ
easat-6664	9	10	positive	positive	ADJ
easat-6664	9	11	effect	effect	NOUN
easat-6664	9	12	on	on	ADP
easat-6664	9	13	lowering	lower	VERB
easat-6664	9	14	unemployment	unemployment	NOUN
easat-6664	9	15	across	across	ADP
easat-6664	9	16	different	different	ADJ
easat-6664	9	17	levels	level	NOUN
easat-6664	9	18	,	,	PUNCT
easat-6664	9	19	making	make	VERB
easat-6664	9	20	it	it	PRON
easat-6664	9	21	an	an	DET
easat-6664	9	22	effective	effective	ADJ
easat-6664	9	23	tool	tool	NOUN
easat-6664	9	24	for	for	ADP
easat-6664	9	25	tackling	tackle	VERB
easat-6664	9	26	unemployment	unemployment	NOUN
easat-6664	9	27	globally	globally	ADV
easat-6664	9	28	.	.	PUNCT
easat-6664	10	1	in	in	ADP
easat-6664	10	2	contrast	contrast	NOUN
easat-6664	10	3	,	,	PUNCT
easat-6664	10	4	the	the	DET
easat-6664	10	5	impact	impact	NOUN
easat-6664	10	6	of	of	ADP
easat-6664	10	7	fd	fd	PROPN
easat-6664	10	8	on	on	ADP
easat-6664	10	9	unemployment	unemployment	NOUN
easat-6664	10	10	is	be	AUX
easat-6664	10	11	more	more	ADV
easat-6664	10	12	nuanced	nuanced	ADJ
easat-6664	10	13	.	.	PUNCT
easat-6664	11	1	the	the	DET
easat-6664	11	2	study	study	NOUN
easat-6664	11	3	shows	show	VERB
easat-6664	11	4	that	that	SCONJ
easat-6664	11	5	fd	fd	PROPN
easat-6664	11	6	reduces	reduce	VERB
easat-6664	11	7	unemployment	unemployment	NOUN
easat-6664	11	8	at	at	ADP
easat-6664	11	9	the	the	DET
easat-6664	11	10	lower	low	ADJ
easat-6664	11	11	quantiles	quantile	NOUN
easat-6664	11	12	(	(	PUNCT
easat-6664	11	13	0.1	0.1	NUM
easat-6664	11	14	and	and	CCONJ
easat-6664	11	15	0.25	0.25	NUM
easat-6664	11	16	)	)	PUNCT
easat-6664	11	17	,	,	PUNCT
easat-6664	11	18	but	but	CCONJ
easat-6664	11	19	its	its	PRON
easat-6664	11	20	effect	effect	NOUN
easat-6664	11	21	turns	turn	VERB
easat-6664	11	22	negative	negative	ADJ
easat-6664	11	23	at	at	ADP
easat-6664	11	24	higher	high	ADJ
easat-6664	11	25	quantiles	quantile	NOUN
easat-6664	11	26	(	(	PUNCT
easat-6664	11	27	0.5	0.5	NUM
easat-6664	11	28	,	,	PUNCT
easat-6664	11	29	0.75	0.75	NUM
easat-6664	11	30	,	,	PUNCT
easat-6664	11	31	and	and	CCONJ
easat-6664	11	32	0.9	0.9	NUM
easat-6664	11	33	)	)	PUNCT
easat-6664	11	34	.	.	PUNCT
easat-6664	12	1	this	this	PRON
easat-6664	12	2	indicates	indicate	VERB
easat-6664	12	3	that	that	SCONJ
easat-6664	12	4	while	while	SCONJ
easat-6664	12	5	financial	financial	ADJ
easat-6664	12	6	development	development	NOUN
easat-6664	12	7	may	may	AUX
easat-6664	12	8	have	have	VERB
easat-6664	12	9	a	a	DET
easat-6664	12	10	beneficial	beneficial	ADJ
easat-6664	12	11	effect	effect	NOUN
easat-6664	12	12	in	in	ADP
easat-6664	12	13	countries	country	NOUN
easat-6664	12	14	with	with	ADP
easat-6664	12	15	lower	low	ADJ
easat-6664	12	16	unemployment	unemployment	NOUN
easat-6664	12	17	rates	rate	NOUN
easat-6664	12	18	,	,	PUNCT
easat-6664	12	19	its	its	PRON
easat-6664	12	20	impact	impact	NOUN
easat-6664	12	21	becomes	become	VERB
easat-6664	12	22	less	less	ADV
easat-6664	12	23	favorable	favorable	ADJ
easat-6664	12	24	or	or	CCONJ
easat-6664	12	25	even	even	ADV
easat-6664	12	26	exacerbates	exacerbate	VERB
easat-6664	12	27	unemployment	unemployment	NOUN
easat-6664	12	28	in	in	ADP
easat-6664	12	29	countries	country	NOUN
easat-6664	12	30	with	with	ADP
easat-6664	12	31	higher	high	ADJ
easat-6664	12	32	unemployment	unemployment	NOUN
easat-6664	12	33	rates	rate	NOUN
easat-6664	12	34	.	.	PUNCT
easat-6664	13	1	these	these	DET
easat-6664	13	2	results	result	NOUN
easat-6664	13	3	suggest	suggest	VERB
easat-6664	13	4	that	that	SCONJ
easat-6664	13	5	focusing	focus	VERB
easat-6664	13	6	on	on	ADP
easat-6664	13	7	expanding	expand	VERB
easat-6664	13	8	digital	digital	ADJ
easat-6664	13	9	financial	financial	ADJ
easat-6664	13	10	inclusion	inclusion	NOUN
easat-6664	13	11	,	,	PUNCT
easat-6664	13	12	rather	rather	ADV
easat-6664	13	13	than	than	ADP
easat-6664	13	14	emphasizing	emphasize	VERB
easat-6664	13	15	traditional	traditional	ADJ
easat-6664	13	16	financial	financial	ADJ
easat-6664	13	17	development	development	NOUN
easat-6664	13	18	,	,	PUNCT
easat-6664	13	19	could	could	AUX
easat-6664	13	20	be	be	AUX
easat-6664	13	21	a	a	DET
easat-6664	13	22	more	more	ADV
easat-6664	13	23	effective	effective	ADJ
easat-6664	13	24	strategy	strategy	NOUN
easat-6664	13	25	for	for	ADP
easat-6664	13	26	reducing	reduce	VERB
easat-6664	13	27	unemployment	unemployment	NOUN
easat-6664	13	28	,	,	PUNCT
easat-6664	13	29	especially	especially	ADV
easat-6664	13	30	in	in	ADP
easat-6664	13	31	countries	country	NOUN
easat-6664	13	32	with	with	ADP
easat-6664	13	33	higher	high	ADJ
easat-6664	13	34	unemployment	unemployment	NOUN
easat-6664	13	35	levels	level	NOUN
easat-6664	13	36	.	.	PUNCT
easat-6664	14	1	the	the	DET
easat-6664	14	2	study	study	NOUN
easat-6664	14	3	recommends	recommend	VERB
easat-6664	14	4	that	that	SCONJ
easat-6664	14	5	policymakers	policymaker	NOUN
easat-6664	14	6	prioritize	prioritize	VERB
easat-6664	14	7	digital	digital	ADJ
easat-6664	14	8	financial	financial	ADJ
easat-6664	14	9	inclusion	inclusion	NOUN
easat-6664	14	10	as	as	ADP
easat-6664	14	11	a	a	DET
easat-6664	14	12	means	means	NOUN
easat-6664	14	13	to	to	PART
easat-6664	14	14	enhance	enhance	VERB
easat-6664	14	15	financial	financial	ADJ
easat-6664	14	16	access	access	NOUN
easat-6664	14	17	and	and	CCONJ
easat-6664	14	18	inclusivity	inclusivity	NOUN
easat-6664	14	19	,	,	PUNCT
easat-6664	14	20	thus	thus	ADV
easat-6664	14	21	contributing	contribute	VERB
easat-6664	14	22	to	to	ADP
easat-6664	14	23	greater	great	ADJ
easat-6664	14	24	employment	employment	NOUN
easat-6664	14	25	opportunities	opportunity	NOUN
easat-6664	14	26	and	and	CCONJ
easat-6664	14	27	reduced	reduce	VERB
easat-6664	14	28	unemployment	unemployment	NOUN
easat-6664	14	29	in	in	ADP
easat-6664	14	30	the	the	DET
easat-6664	14	31	long	long	ADJ
easat-6664	14	32	run	run	NOUN
easat-6664	14	33	.	.	PUNCT
easat-6664	15	1	keywords	keyword	NOUN
easat-6664	15	2	:	:	PUNCT
easat-6664	15	3	digital	digital	ADJ
easat-6664	15	4	financial	financial	ADJ
easat-6664	15	5	inclusion	inclusion	NOUN
easat-6664	15	6	,	,	PUNCT
easat-6664	15	7	financial	financial	ADJ
easat-6664	15	8	development	development	NOUN
easat-6664	15	9	,	,	PUNCT
easat-6664	15	10	unemployment	unemployment	NOUN
easat-6664	15	11	.	.	PUNCT
easat-6664	16	1	1	1	X
easat-6664	16	2	.	.	X
easat-6664	16	3	introduction	introduction	NOUN
easat-6664	16	4	in	in	ADP
easat-6664	16	5	the	the	DET
easat-6664	16	6	context	context	NOUN
easat-6664	16	7	of	of	ADP
easat-6664	16	8	globalization	globalization	NOUN
easat-6664	16	9	and	and	CCONJ
easat-6664	16	10	the	the	DET
easat-6664	16	11	continuous	continuous	ADJ
easat-6664	16	12	development	development	NOUN
easat-6664	16	13	of	of	ADP
easat-6664	16	14	the	the	DET
easat-6664	16	15	global	global	ADJ
easat-6664	16	16	economy	economy	NOUN
easat-6664	16	17	,	,	PUNCT
easat-6664	16	18	the	the	DET
easat-6664	16	19	pursuit	pursuit	NOUN
easat-6664	16	20	of	of	ADP
easat-6664	16	21	sustainable	sustainable	ADJ
easat-6664	16	22	development	development	NOUN
easat-6664	16	23	has	have	AUX
easat-6664	16	24	become	become	VERB
easat-6664	16	25	a	a	DET
easat-6664	16	26	top	top	ADJ
easat-6664	16	27	priority	priority	NOUN
easat-6664	16	28	for	for	ADP
easat-6664	16	29	nations	nation	NOUN
easat-6664	16	30	and	and	CCONJ
easat-6664	16	31	international	international	ADJ
easat-6664	16	32	organizations	organization	NOUN
easat-6664	16	33	.	.	PUNCT
easat-6664	17	1	sustainable	sustainable	ADJ
easat-6664	17	2	development	development	NOUN
easat-6664	17	3	not	not	PART
easat-6664	17	4	only	only	ADV
easat-6664	17	5	requires	require	VERB
easat-6664	17	6	economic	economic	ADJ
easat-6664	17	7	growth	growth	NOUN
easat-6664	17	8	but	but	CCONJ
easat-6664	17	9	also	also	ADV
easat-6664	17	10	demands	demand	VERB
easat-6664	17	11	a	a	DET
easat-6664	17	12	strong	strong	ADJ
easat-6664	17	13	emphasis	emphasis	NOUN
easat-6664	17	14	on	on	ADP
easat-6664	17	15	environmental	environmental	ADJ
easat-6664	17	16	protection	protection	NOUN
easat-6664	17	17	,	,	PUNCT
easat-6664	17	18	improving	improve	VERB
easat-6664	17	19	people	people	NOUN
easat-6664	17	20	's	's	PART
easat-6664	17	21	quality	quality	NOUN
easat-6664	17	22	of	of	ADP
easat-6664	17	23	life	life	NOUN
easat-6664	17	24	,	,	PUNCT
easat-6664	17	25	and	and	CCONJ
easat-6664	17	26	addressing	address	VERB
easat-6664	17	27	social	social	ADJ
easat-6664	17	28	issues	issue	NOUN
easat-6664	17	29	such	such	ADJ
easat-6664	17	30	as	as	ADP
easat-6664	17	31	unemployment	unemployment	NOUN
easat-6664	17	32	and	and	CCONJ
easat-6664	17	33	inequality	inequality	NOUN
easat-6664	17	34	.	.	PUNCT
easat-6664	18	1	to	to	PART
easat-6664	18	2	achieve	achieve	VERB
easat-6664	18	3	these	these	DET
easat-6664	18	4	goals	goal	NOUN
easat-6664	18	5	,	,	PUNCT
easat-6664	18	6	responsive	responsive	ADJ
easat-6664	18	7	resources	resource	NOUN
easat-6664	18	8	—	—	PUNCT
easat-6664	18	9	including	include	VERB
easat-6664	18	10	financial	financial	ADJ
easat-6664	18	11	instruments	instrument	NOUN
easat-6664	18	12	—	—	PUNCT
easat-6664	18	13	play	play	VERB
easat-6664	18	14	a	a	DET
easat-6664	18	15	crucial	crucial	ADJ
easat-6664	18	16	role	role	NOUN
easat-6664	18	17	.	.	PUNCT
easat-6664	19	1	one	one	NUM
easat-6664	19	2	of	of	ADP
easat-6664	19	3	the	the	DET
easat-6664	19	4	essential	essential	ADJ
easat-6664	19	5	factors	factor	NOUN
easat-6664	19	6	in	in	ADP
easat-6664	19	7	promoting	promote	VERB
easat-6664	19	8	sustainable	sustainable	ADJ
easat-6664	19	9	development	development	NOUN
easat-6664	19	10	is	be	AUX
easat-6664	19	11	financial	financial	ADJ
easat-6664	19	12	inclusion	inclusion	NOUN
easat-6664	19	13	(	(	PUNCT
easat-6664	19	14	fi	fi	NOUN
easat-6664	19	15	)	)	PUNCT
easat-6664	20	1	[	[	X
easat-6664	20	2	1	1	NUM
easat-6664	20	3	]	]	PUNCT
easat-6664	20	4	.	.	PUNCT
easat-6664	21	1	fi	fi	NOUN
easat-6664	21	2	is	be	AUX
easat-6664	21	3	not	not	PART
easat-6664	21	4	just	just	ADV
easat-6664	21	5	about	about	ADP
easat-6664	21	6	providing	provide	VERB
easat-6664	21	7	basic	basic	ADJ
easat-6664	21	8	financial	financial	ADJ
easat-6664	21	9	services	service	NOUN
easat-6664	21	10	but	but	CCONJ
easat-6664	21	11	also	also	ADV
easat-6664	21	12	serves	serve	VERB
easat-6664	21	13	as	as	ADP
easat-6664	21	14	a	a	DET
easat-6664	21	15	crucial	crucial	ADJ
easat-6664	21	16	tool	tool	NOUN
easat-6664	21	17	for	for	ADP
easat-6664	21	18	supporting	support	VERB
easat-6664	21	19	sustainable	sustainable	ADJ
easat-6664	21	20	economic	economic	ADJ
easat-6664	21	21	development	development	NOUN
easat-6664	21	22	,	,	PUNCT
easat-6664	21	23	offering	offer	VERB
easat-6664	21	24	opportunities	opportunity	NOUN
easat-6664	21	25	for	for	ADP
easat-6664	21	26	marginalized	marginalize	VERB
easat-6664	21	27	groups	group	NOUN
easat-6664	21	28	to	to	PART
easat-6664	21	29	engage	engage	VERB
easat-6664	21	30	in	in	ADP
easat-6664	21	31	formal	formal	ADJ
easat-6664	21	32	financial	financial	ADJ
easat-6664	21	33	activities	activity	NOUN
easat-6664	21	34	.	.	PUNCT
easat-6664	22	1	when	when	SCONJ
easat-6664	22	2	individuals	individual	NOUN
easat-6664	22	3	have	have	VERB
easat-6664	22	4	access	access	NOUN
easat-6664	22	5	to	to	ADP
easat-6664	22	6	credit	credit	NOUN
easat-6664	22	7	,	,	PUNCT
easat-6664	22	8	insurance	insurance	NOUN
easat-6664	22	9	,	,	PUNCT
easat-6664	22	10	savings	saving	NOUN
easat-6664	22	11	,	,	PUNCT
easat-6664	22	12	and	and	CCONJ
easat-6664	22	13	other	other	ADJ
easat-6664	22	14	financial	financial	ADJ
easat-6664	22	15	services	service	NOUN
easat-6664	22	16	,	,	PUNCT
easat-6664	22	17	they	they	PRON
easat-6664	22	18	can	can	AUX
easat-6664	22	19	improve	improve	VERB
easat-6664	22	20	their	their	PRON
easat-6664	22	21	living	living	NOUN
easat-6664	22	22	conditions	condition	NOUN
easat-6664	22	23	,	,	PUNCT
easat-6664	22	24	reduce	reduce	VERB
easat-6664	22	25	personal	personal	ADJ
easat-6664	22	26	and	and	CCONJ
easat-6664	22	27	business	business	NOUN
easat-6664	22	28	financial	financial	ADJ
easat-6664	22	29	risks	risk	NOUN
easat-6664	22	30	,	,	PUNCT
easat-6664	22	31	and	and	CCONJ
easat-6664	22	32	subsequently	subsequently	ADV
easat-6664	22	33	contribute	contribute	VERB
easat-6664	22	34	to	to	ADP
easat-6664	22	35	the	the	DET
easat-6664	22	36	economy	economy	NOUN
easat-6664	22	37	[	[	X
easat-6664	22	38	2	2	NUM
easat-6664	22	39	]	]	PUNCT
easat-6664	22	40	.	.	PUNCT
easat-6664	23	1	in	in	ADP
easat-6664	23	2	particular	particular	ADJ
easat-6664	23	3	,	,	PUNCT
easat-6664	23	4	in	in	ADP
easat-6664	23	5	the	the	DET
easat-6664	23	6	context	context	NOUN
easat-6664	23	7	of	of	ADP
easat-6664	23	8	the	the	DET
easat-6664	23	9	rapidly	rapidly	ADV
easat-6664	23	10	advancing	advance	VERB
easat-6664	23	11	global	global	ADJ
easat-6664	23	12	digital	digital	ADJ
easat-6664	23	13	transformation	transformation	NOUN
easat-6664	23	14	[	[	X
easat-6664	23	15	3	3	X
easat-6664	23	16	]	]	X
easat-6664	23	17	the	the	DET
easat-6664	23	18	robust	robust	ADJ
easat-6664	23	19	development	development	NOUN
easat-6664	23	20	of	of	ADP
easat-6664	23	21	the	the	DET
easat-6664	23	22	internet	internet	NOUN
easat-6664	23	23	and	and	CCONJ
easat-6664	23	24	the	the	DET
easat-6664	23	25	widespread	widespread	ADJ
easat-6664	23	26	adoption	adoption	NOUN
easat-6664	23	27	of	of	ADP
easat-6664	23	28	digital	digital	ADJ
easat-6664	23	29	solutions	solution	NOUN
easat-6664	23	30	have	have	AUX
easat-6664	23	31	led	lead	VERB
easat-6664	23	32	to	to	PART
easat-6664	23	33	profound	profound	ADJ
easat-6664	23	34	changes	change	NOUN
easat-6664	23	35	in	in	ADP
easat-6664	23	36	all	all	DET
easat-6664	23	37	aspects	aspect	NOUN
easat-6664	23	38	of	of	ADP
easat-6664	23	39	life	life	NOUN
easat-6664	23	40	[	[	X
easat-6664	23	41	4	4	NUM
easat-6664	23	42	]	]	PUNCT
easat-6664	23	43	.	.	PUNCT
easat-6664	24	1	digital	digital	ADJ
easat-6664	24	2	financial	financial	ADJ
easat-6664	24	3	inclusion	inclusion	NOUN
easat-6664	24	4	(	(	PUNCT
easat-6664	24	5	dfi	dfi	PROPN
easat-6664	24	6	)	)	PUNCT
easat-6664	24	7	has	have	AUX
easat-6664	24	8	become	become	VERB
easat-6664	24	9	a	a	DET
easat-6664	24	10	critical	critical	ADJ
easat-6664	24	11	factor	factor	NOUN
easat-6664	24	12	in	in	ADP
easat-6664	24	13	driving	drive	VERB
easat-6664	24	14	economic	economic	ADJ
easat-6664	24	15	growth	growth	NOUN
easat-6664	24	16	and	and	CCONJ
easat-6664	24	17	addressing	address	VERB
easat-6664	24	18	issues	issue	NOUN
easat-6664	24	19	https://orcid.org/0000-0002-3300-6148	https://orcid.org/0000-0002-3300-6148	VERB
easat-6664	24	20	https://orcid.org/0009-0002-8465-1064	https://orcid.org/0009-0002-8465-1064	ADV
easat-6664	24	21	https://orcid.org/0009-0003-3836-3085	https://orcid.org/0009-0003-3836-3085	PROPN
easat-6664	24	22	2863	2863	NUM
easat-6664	24	23	edelweiss	edelweiss	PROPN
easat-6664	24	24	applied	apply	VERB
easat-6664	24	25	science	science	NOUN
easat-6664	24	26	and	and	CCONJ
easat-6664	24	27	technology	technology	NOUN
easat-6664	24	28	issn	issn	PROPN
easat-6664	24	29	:	:	PUNCT
easat-6664	24	30	2576	2576	NUM
easat-6664	24	31	-	-	SYM
easat-6664	24	32	8484	8484	NUM
easat-6664	24	33	vol	vol	NOUN
easat-6664	24	34	.	.	PROPN
easat-6664	25	1	9	9	NUM
easat-6664	25	2	,	,	PUNCT
easat-6664	25	3	no	no	INTJ
easat-6664	25	4	.	.	NOUN
easat-6664	25	5	4	4	NUM
easat-6664	25	6	:	:	SYM
easat-6664	25	7	2862	2862	NUM
easat-6664	25	8	-	-	SYM
easat-6664	25	9	2876	2876	NUM
easat-6664	25	10	,	,	PUNCT
easat-6664	25	11	2025	2025	NUM
easat-6664	25	12	doi	doi	NOUN
easat-6664	25	13	:	:	PUNCT
easat-6664	25	14	10.55214/25768484.v9i4.6664	10.55214/25768484.v9i4.6664	NUM
easat-6664	25	15	©	©	PROPN
easat-6664	25	16	2025	2025	NUM
easat-6664	25	17	by	by	ADP
easat-6664	25	18	the	the	DET
easat-6664	25	19	authors	author	NOUN
easat-6664	25	20	;	;	PUNCT
easat-6664	25	21	licensee	licensee	PROPN
easat-6664	25	22	learning	learn	VERB
easat-6664	25	23	gate	gate	NOUN
easat-6664	25	24	of	of	ADP
easat-6664	25	25	equity	equity	NOUN
easat-6664	25	26	in	in	ADP
easat-6664	25	27	society	society	NOUN
easat-6664	26	1	[	[	X
easat-6664	26	2	5	5	NUM
easat-6664	26	3	]	]	PUNCT
easat-6664	26	4	.	.	PUNCT
easat-6664	27	1	dfi	dfi	PROPN
easat-6664	27	2	not	not	PART
easat-6664	27	3	only	only	ADV
easat-6664	27	4	enhances	enhance	VERB
easat-6664	27	5	access	access	NOUN
easat-6664	27	6	to	to	ADP
easat-6664	27	7	financial	financial	ADJ
easat-6664	27	8	services	service	NOUN
easat-6664	27	9	for	for	ADP
easat-6664	27	10	disadvantaged	disadvantaged	ADJ
easat-6664	27	11	groups	group	NOUN
easat-6664	27	12	but	but	CCONJ
easat-6664	27	13	also	also	ADV
easat-6664	27	14	has	have	VERB
easat-6664	27	15	the	the	DET
easat-6664	27	16	potential	potential	NOUN
easat-6664	27	17	to	to	PART
easat-6664	27	18	reduce	reduce	VERB
easat-6664	27	19	barriers	barrier	NOUN
easat-6664	27	20	to	to	ADP
easat-6664	27	21	credit	credit	NOUN
easat-6664	27	22	,	,	PUNCT
easat-6664	27	23	investment	investment	NOUN
easat-6664	27	24	,	,	PUNCT
easat-6664	27	25	and	and	CCONJ
easat-6664	27	26	other	other	ADJ
easat-6664	27	27	financial	financial	ADJ
easat-6664	27	28	services	service	NOUN
easat-6664	27	29	[	[	X
easat-6664	27	30	6	6	NUM
easat-6664	27	31	,	,	PUNCT
easat-6664	27	32	7	7	NUM
easat-6664	27	33	]	]	PUNCT
easat-6664	27	34	.	.	PUNCT
easat-6664	28	1	digital	digital	ADJ
easat-6664	28	2	financial	financial	ADJ
easat-6664	28	3	platforms	platform	NOUN
easat-6664	28	4	,	,	PUNCT
easat-6664	28	5	such	such	ADJ
easat-6664	28	6	as	as	ADP
easat-6664	28	7	e	e	NOUN
easat-6664	28	8	-	-	NOUN
easat-6664	28	9	wallets	wallet	NOUN
easat-6664	28	10	,	,	PUNCT
easat-6664	28	11	digital	digital	ADJ
easat-6664	28	12	banking	banking	NOUN
easat-6664	28	13	,	,	PUNCT
easat-6664	28	14	and	and	CCONJ
easat-6664	28	15	online	online	ADJ
easat-6664	28	16	payment	payment	NOUN
easat-6664	28	17	applications	application	NOUN
easat-6664	28	18	,	,	PUNCT
easat-6664	28	19	have	have	AUX
easat-6664	28	20	enabled	enable	VERB
easat-6664	28	21	people	people	NOUN
easat-6664	28	22	in	in	ADP
easat-6664	28	23	rural	rural	ADJ
easat-6664	28	24	and	and	CCONJ
easat-6664	28	25	remote	remote	ADJ
easat-6664	28	26	areas	area	NOUN
easat-6664	28	27	to	to	PART
easat-6664	28	28	access	access	VERB
easat-6664	28	29	financial	financial	ADJ
easat-6664	28	30	services	service	NOUN
easat-6664	28	31	that	that	PRON
easat-6664	28	32	were	be	AUX
easat-6664	28	33	previously	previously	ADV
easat-6664	28	34	out	out	ADP
easat-6664	28	35	of	of	ADP
easat-6664	28	36	reach	reach	NOUN
easat-6664	28	37	.	.	PUNCT
easat-6664	29	1	this	this	PRON
easat-6664	29	2	is	be	AUX
easat-6664	29	3	particularly	particularly	ADV
easat-6664	29	4	important	important	ADJ
easat-6664	29	5	in	in	ADP
easat-6664	29	6	supporting	support	VERB
easat-6664	29	7	the	the	DET
easat-6664	29	8	growth	growth	NOUN
easat-6664	29	9	of	of	ADP
easat-6664	29	10	small	small	ADJ
easat-6664	29	11	and	and	CCONJ
easat-6664	29	12	medium	medium	ADJ
easat-6664	29	13	-	-	PUNCT
easat-6664	29	14	sized	sized	ADJ
easat-6664	29	15	enterprises	enterprise	NOUN
easat-6664	29	16	(	(	PUNCT
easat-6664	29	17	smes	sme	NOUN
easat-6664	29	18	)	)	PUNCT
easat-6664	29	19	,	,	PUNCT
easat-6664	29	20	creating	create	VERB
easat-6664	29	21	additional	additional	ADJ
easat-6664	29	22	job	job	NOUN
easat-6664	29	23	opportunities	opportunity	NOUN
easat-6664	29	24	,	,	PUNCT
easat-6664	29	25	and	and	CCONJ
easat-6664	29	26	reducing	reduce	VERB
easat-6664	29	27	unemployment	unemployment	NOUN
easat-6664	29	28	rates	rate	NOUN
easat-6664	29	29	.	.	PUNCT
easat-6664	30	1	figure	figure	NOUN
easat-6664	30	2	1	1	NUM
easat-6664	30	3	.	.	PUNCT
easat-6664	30	4	unemployment	unemployment	NOUN
easat-6664	30	5	rate	rate	NOUN
easat-6664	30	6	and	and	CCONJ
easat-6664	30	7	its	its	PRON
easat-6664	30	8	growth	growth	NOUN
easat-6664	30	9	trend	trend	NOUN
easat-6664	30	10	.	.	PUNCT
easat-6664	31	1	source	source	NOUN
easat-6664	31	2	:	:	PUNCT
easat-6664	31	3	world	world	NOUN
easat-6664	31	4	unemployment	unemployment	NOUN
easat-6664	31	5	rate	rate	NOUN
easat-6664	32	1	[	[	X
easat-6664	32	2	8	8	NUM
easat-6664	32	3	]	]	PUNCT
easat-6664	32	4	.	.	PUNCT
easat-6664	33	1	figure	figure	NOUN
easat-6664	33	2	2	2	NUM
easat-6664	33	3	.	.	PUNCT
easat-6664	34	1	unemployment	unemployment	NOUN
easat-6664	34	2	rates	rate	NOUN
easat-6664	34	3	of	of	ADP
easat-6664	34	4	countries	country	NOUN
easat-6664	34	5	worldwide	worldwide	ADV
easat-6664	34	6	in	in	ADP
easat-6664	34	7	2022	2022	NUM
easat-6664	34	8	.	.	PUNCT
easat-6664	35	1	figure	figure	NOUN
easat-6664	35	2	1	1	NUM
easat-6664	35	3	presents	present	VERB
easat-6664	35	4	the	the	DET
easat-6664	35	5	average	average	ADJ
easat-6664	35	6	unemployment	unemployment	NOUN
easat-6664	35	7	rate	rate	NOUN
easat-6664	35	8	across	across	ADP
easat-6664	35	9	countries	country	NOUN
easat-6664	35	10	worldwide	worldwide	ADV
easat-6664	35	11	from	from	ADP
easat-6664	35	12	1994	1994	NUM
easat-6664	35	13	to	to	ADP
easat-6664	35	14	2021	2021	NUM
easat-6664	35	15	.	.	PUNCT
easat-6664	36	1	three	three	NUM
easat-6664	36	2	notable	notable	ADJ
easat-6664	36	3	periods	period	NOUN
easat-6664	36	4	can	can	AUX
easat-6664	36	5	be	be	AUX
easat-6664	36	6	identified	identify	VERB
easat-6664	36	7	:	:	PUNCT
easat-6664	36	8	period	period	NOUN
easat-6664	36	9	1	1	NUM
easat-6664	36	10	(	(	PUNCT
easat-6664	36	11	1991	1991	NUM
easat-6664	36	12	-	-	SYM
easat-6664	36	13	2003	2003	NUM
easat-6664	36	14	)	)	PUNCT
easat-6664	36	15	shows	show	VERB
easat-6664	36	16	an	an	DET
easat-6664	36	17	increase	increase	NOUN
easat-6664	36	18	in	in	ADP
easat-6664	36	19	the	the	DET
easat-6664	36	20	unemployment	unemployment	NOUN
easat-6664	36	21	2864	2864	NUM
easat-6664	36	22	edelweiss	edelweiss	PROPN
easat-6664	36	23	applied	apply	VERB
easat-6664	36	24	science	science	NOUN
easat-6664	36	25	and	and	CCONJ
easat-6664	36	26	technology	technology	NOUN
easat-6664	36	27	issn	issn	PROPN
easat-6664	36	28	:	:	PUNCT
easat-6664	36	29	2576	2576	NUM
easat-6664	36	30	-	-	SYM
easat-6664	36	31	8484	8484	NUM
easat-6664	36	32	vol	vol	NOUN
easat-6664	36	33	.	.	PROPN
easat-6664	37	1	9	9	NUM
easat-6664	37	2	,	,	PUNCT
easat-6664	37	3	no	no	INTJ
easat-6664	37	4	.	.	NOUN
easat-6664	37	5	4	4	NUM
easat-6664	37	6	:	:	SYM
easat-6664	37	7	2862	2862	NUM
easat-6664	37	8	-	-	SYM
easat-6664	37	9	2876	2876	NUM
easat-6664	37	10	,	,	PUNCT
easat-6664	37	11	2025	2025	NUM
easat-6664	37	12	doi	doi	NOUN
easat-6664	37	13	:	:	PUNCT
easat-6664	37	14	10.55214/25768484.v9i4.6664	10.55214/25768484.v9i4.6664	NUM
easat-6664	37	15	©	©	PROPN
easat-6664	37	16	2025	2025	NUM
easat-6664	37	17	by	by	ADP
easat-6664	37	18	the	the	DET
easat-6664	37	19	authors	author	NOUN
easat-6664	37	20	;	;	PUNCT
easat-6664	38	1	licensee	licensee	PROPN
easat-6664	38	2	learning	learn	VERB
easat-6664	38	3	gate	gate	NOUN
easat-6664	38	4	rate	rate	NOUN
easat-6664	38	5	from	from	ADP
easat-6664	38	6	5	5	NUM
easat-6664	38	7	%	%	NOUN
easat-6664	38	8	to	to	ADP
easat-6664	38	9	6.57	6.57	NUM
easat-6664	38	10	%	%	NOUN
easat-6664	38	11	.	.	PUNCT
easat-6664	39	1	period	period	NOUN
easat-6664	39	2	2	2	NUM
easat-6664	39	3	(	(	PUNCT
easat-6664	39	4	2004	2004	NUM
easat-6664	39	5	-	-	SYM
easat-6664	39	6	2020	2020	NUM
easat-6664	39	7	)	)	PUNCT
easat-6664	39	8	is	be	AUX
easat-6664	39	9	marked	mark	VERB
easat-6664	39	10	by	by	ADP
easat-6664	39	11	the	the	DET
easat-6664	39	12	widespread	widespread	ADJ
easat-6664	39	13	implementation	implementation	NOUN
easat-6664	39	14	of	of	ADP
easat-6664	39	15	financial	financial	ADJ
easat-6664	39	16	inclusion	inclusion	NOUN
easat-6664	39	17	policies	policy	NOUN
easat-6664	39	18	,	,	PUNCT
easat-6664	39	19	with	with	ADP
easat-6664	39	20	a	a	DET
easat-6664	39	21	downward	downward	ADJ
easat-6664	39	22	trend	trend	NOUN
easat-6664	39	23	in	in	ADP
easat-6664	39	24	unemployment	unemployment	NOUN
easat-6664	39	25	from	from	ADP
easat-6664	39	26	6.4	6.4	NUM
easat-6664	39	27	%	%	NOUN
easat-6664	39	28	to	to	ADP
easat-6664	39	29	5.58	5.58	NUM
easat-6664	39	30	%	%	NOUN
easat-6664	39	31	,	,	PUNCT
easat-6664	39	32	except	except	SCONJ
easat-6664	39	33	for	for	ADP
easat-6664	39	34	two	two	NUM
easat-6664	39	35	periods	period	NOUN
easat-6664	39	36	affected	affect	VERB
easat-6664	39	37	by	by	ADP
easat-6664	39	38	the	the	DET
easat-6664	39	39	global	global	ADJ
easat-6664	39	40	economic	economic	ADJ
easat-6664	39	41	crisis	crisis	NOUN
easat-6664	39	42	and	and	CCONJ
easat-6664	39	43	the	the	DET
easat-6664	39	44	covid-19	covid-19	PROPN
easat-6664	39	45	pandemic	pandemic	NOUN
easat-6664	39	46	.	.	PUNCT
easat-6664	40	1	period	period	NOUN
easat-6664	40	2	3	3	NUM
easat-6664	40	3	(	(	PUNCT
easat-6664	40	4	2020	2020	NUM
easat-6664	40	5	-	-	SYM
easat-6664	40	6	2022	2022	NUM
easat-6664	40	7	)	)	PUNCT
easat-6664	40	8	,	,	PUNCT
easat-6664	40	9	following	follow	VERB
easat-6664	40	10	the	the	DET
easat-6664	40	11	covid-19	covid-19	PROPN
easat-6664	40	12	pandemic	pandemic	NOUN
easat-6664	40	13	,	,	PUNCT
easat-6664	40	14	saw	see	VERB
easat-6664	40	15	a	a	DET
easat-6664	40	16	reduction	reduction	NOUN
easat-6664	40	17	in	in	ADP
easat-6664	40	18	the	the	DET
easat-6664	40	19	unemployment	unemployment	NOUN
easat-6664	40	20	rate	rate	NOUN
easat-6664	40	21	from	from	ADP
easat-6664	40	22	6.59	6.59	NUM
easat-6664	40	23	%	%	NOUN
easat-6664	40	24	to	to	ADP
easat-6664	40	25	4.96	4.96	NUM
easat-6664	40	26	%	%	NOUN
easat-6664	40	27	.	.	PUNCT
easat-6664	41	1	overall	overall	ADV
easat-6664	41	2	,	,	PUNCT
easat-6664	41	3	the	the	DET
easat-6664	41	4	trend	trend	NOUN
easat-6664	41	5	in	in	ADP
easat-6664	41	6	the	the	DET
easat-6664	41	7	average	average	ADJ
easat-6664	41	8	unemployment	unemployment	NOUN
easat-6664	41	9	rate	rate	NOUN
easat-6664	41	10	from	from	ADP
easat-6664	41	11	1991	1991	NUM
easat-6664	41	12	to	to	ADP
easat-6664	41	13	2022	2022	NUM
easat-6664	41	14	is	be	AUX
easat-6664	41	15	downward	downward	ADJ
easat-6664	41	16	.	.	PUNCT
easat-6664	42	1	however	however	ADV
easat-6664	42	2	,	,	PUNCT
easat-6664	42	3	as	as	SCONJ
easat-6664	42	4	shown	show	VERB
easat-6664	42	5	in	in	ADP
easat-6664	42	6	figure	figure	NOUN
easat-6664	42	7	2	2	NUM
easat-6664	42	8	,	,	PUNCT
easat-6664	42	9	unemployment	unemployment	NOUN
easat-6664	42	10	rates	rate	NOUN
easat-6664	42	11	across	across	ADP
easat-6664	42	12	countries	country	NOUN
easat-6664	42	13	in	in	ADP
easat-6664	42	14	2022	2022	NUM
easat-6664	42	15	are	be	AUX
easat-6664	42	16	unevenly	unevenly	ADV
easat-6664	42	17	distributed	distribute	VERB
easat-6664	42	18	.	.	PUNCT
easat-6664	43	1	some	some	DET
easat-6664	43	2	countries	country	NOUN
easat-6664	43	3	have	have	VERB
easat-6664	43	4	very	very	ADV
easat-6664	43	5	low	low	ADJ
easat-6664	43	6	unemployment	unemployment	NOUN
easat-6664	43	7	rates	rate	NOUN
easat-6664	43	8	,	,	PUNCT
easat-6664	43	9	such	such	ADJ
easat-6664	43	10	as	as	ADP
easat-6664	43	11	qatar	qatar	NOUN
easat-6664	43	12	(	(	PUNCT
easat-6664	43	13	0.13	0.13	NUM
easat-6664	43	14	%	%	NOUN
easat-6664	43	15	)	)	PUNCT
easat-6664	43	16	,	,	PUNCT
easat-6664	43	17	burundi	burundi	PROPN
easat-6664	43	18	(	(	PUNCT
easat-6664	43	19	0.92	0.92	NUM
easat-6664	43	20	%	%	NOUN
easat-6664	43	21	)	)	PUNCT
easat-6664	43	22	,	,	PUNCT
easat-6664	43	23	thailand	thailand	PROPN
easat-6664	43	24	(	(	PUNCT
easat-6664	43	25	0.94	0.94	NUM
easat-6664	43	26	%	%	NOUN
easat-6664	43	27	)	)	PUNCT
easat-6664	43	28	,	,	PUNCT
easat-6664	43	29	and	and	CCONJ
easat-6664	43	30	benin	benin	PROPN
easat-6664	43	31	(	(	PUNCT
easat-6664	43	32	1.47	1.47	NUM
easat-6664	43	33	%	%	NOUN
easat-6664	43	34	)	)	PUNCT
easat-6664	43	35	,	,	PUNCT
easat-6664	43	36	while	while	SCONJ
easat-6664	43	37	others	other	NOUN
easat-6664	43	38	experience	experience	VERB
easat-6664	43	39	high	high	ADJ
easat-6664	43	40	unemployment	unemployment	NOUN
easat-6664	43	41	rates	rate	NOUN
easat-6664	43	42	,	,	PUNCT
easat-6664	43	43	such	such	ADJ
easat-6664	43	44	as	as	ADP
easat-6664	43	45	botswana	botswana	PROPN
easat-6664	43	46	(	(	PUNCT
easat-6664	43	47	23.62	23.62	NUM
easat-6664	43	48	%	%	NOUN
easat-6664	43	49	)	)	PUNCT
easat-6664	43	50	,	,	PUNCT
easat-6664	43	51	south	south	PROPN
easat-6664	43	52	africa	africa	PROPN
easat-6664	43	53	(	(	PUNCT
easat-6664	43	54	28.84	28.84	NUM
easat-6664	43	55	%	%	NOUN
easat-6664	43	56	)	)	PUNCT
easat-6664	43	57	,	,	PUNCT
easat-6664	43	58	and	and	CCONJ
easat-6664	43	59	eswatini	eswatini	PROPN
easat-6664	43	60	(	(	PUNCT
easat-6664	43	61	37.85	37.85	NUM
easat-6664	43	62	%	%	NOUN
easat-6664	43	63	)	)	PUNCT
easat-6664	43	64	.	.	PUNCT
easat-6664	44	1	furthermore	furthermore	ADV
easat-6664	44	2	,	,	PUNCT
easat-6664	44	3	countries	country	NOUN
easat-6664	44	4	with	with	ADP
easat-6664	44	5	strong	strong	ADJ
easat-6664	44	6	financial	financial	ADJ
easat-6664	44	7	development	development	NOUN
easat-6664	44	8	,	,	PUNCT
easat-6664	44	9	such	such	ADJ
easat-6664	44	10	as	as	ADP
easat-6664	44	11	finland	finland	PROPN
easat-6664	44	12	(	(	PUNCT
easat-6664	44	13	6.72	6.72	NUM
easat-6664	44	14	%	%	NOUN
easat-6664	44	15	)	)	PUNCT
easat-6664	44	16	,	,	PUNCT
easat-6664	44	17	croatia	croatia	PROPN
easat-6664	44	18	(	(	PUNCT
easat-6664	44	19	6.96	6.96	NUM
easat-6664	44	20	%	%	NOUN
easat-6664	44	21	)	)	PUNCT
easat-6664	44	22	,	,	PUNCT
easat-6664	44	23	france	france	PROPN
easat-6664	44	24	(	(	PUNCT
easat-6664	44	25	7.31	7.31	NUM
easat-6664	44	26	%	%	NOUN
easat-6664	44	27	)	)	PUNCT
easat-6664	44	28	,	,	PUNCT
easat-6664	44	29	sweden	sweden	PROPN
easat-6664	44	30	(	(	PUNCT
easat-6664	44	31	7.39	7.39	NUM
easat-6664	44	32	%	%	NOUN
easat-6664	44	33	)	)	PUNCT
easat-6664	44	34	,	,	PUNCT
easat-6664	44	35	and	and	CCONJ
easat-6664	44	36	italy	italy	PROPN
easat-6664	44	37	(	(	PUNCT
easat-6664	44	38	8.07	8.07	NUM
easat-6664	44	39	%	%	NOUN
easat-6664	44	40	)	)	PUNCT
easat-6664	44	41	,	,	PUNCT
easat-6664	44	42	have	have	VERB
easat-6664	44	43	unemployment	unemployment	NOUN
easat-6664	44	44	rates	rate	NOUN
easat-6664	44	45	ranging	range	VERB
easat-6664	44	46	from	from	ADP
easat-6664	44	47	6	6	NUM
easat-6664	44	48	%	%	NOUN
easat-6664	44	49	to	to	PART
easat-6664	44	50	10	10	NUM
easat-6664	44	51	%	%	NOUN
easat-6664	44	52	.	.	PUNCT
easat-6664	45	1	therefore	therefore	ADV
easat-6664	45	2	,	,	PUNCT
easat-6664	45	3	in	in	ADP
easat-6664	45	4	this	this	DET
easat-6664	45	5	study	study	NOUN
easat-6664	45	6	,	,	PUNCT
easat-6664	45	7	we	we	PRON
easat-6664	45	8	argue	argue	VERB
easat-6664	45	9	that	that	SCONJ
easat-6664	45	10	the	the	DET
easat-6664	45	11	impact	impact	NOUN
easat-6664	45	12	of	of	ADP
easat-6664	45	13	dfi	dfi	PROPN
easat-6664	45	14	and	and	CCONJ
easat-6664	45	15	fd	fd	VERB
easat-6664	45	16	on	on	ADP
easat-6664	45	17	unemployment	unemployment	NOUN
easat-6664	45	18	rates	rate	NOUN
easat-6664	45	19	will	will	AUX
easat-6664	45	20	differ	differ	VERB
easat-6664	45	21	significantly	significantly	ADV
easat-6664	45	22	.	.	PUNCT
easat-6664	46	1	specifically	specifically	ADV
easat-6664	46	2	,	,	PUNCT
easat-6664	46	3	dfi	dfi	PROPN
easat-6664	46	4	is	be	AUX
easat-6664	46	5	characterized	characterize	VERB
easat-6664	46	6	by	by	ADP
easat-6664	46	7	expanding	expand	VERB
easat-6664	46	8	access	access	NOUN
easat-6664	46	9	to	to	ADP
easat-6664	46	10	financial	financial	ADJ
easat-6664	46	11	services	service	NOUN
easat-6664	46	12	for	for	ADP
easat-6664	46	13	individuals	individual	NOUN
easat-6664	46	14	and	and	CCONJ
easat-6664	46	15	groups	group	NOUN
easat-6664	46	16	that	that	PRON
easat-6664	46	17	have	have	AUX
easat-6664	46	18	been	be	AUX
easat-6664	46	19	excluded	exclude	VERB
easat-6664	46	20	from	from	ADP
easat-6664	46	21	the	the	DET
easat-6664	46	22	formal	formal	ADJ
easat-6664	46	23	financial	financial	ADJ
easat-6664	46	24	system	system	NOUN
easat-6664	46	25	,	,	PUNCT
easat-6664	46	26	particularly	particularly	ADV
easat-6664	46	27	low	low	ADJ
easat-6664	46	28	-	-	PUNCT
easat-6664	46	29	income	income	NOUN
easat-6664	46	30	individuals	individual	NOUN
easat-6664	46	31	or	or	CCONJ
easat-6664	46	32	those	those	PRON
easat-6664	46	33	in	in	ADP
easat-6664	46	34	remote	remote	ADJ
easat-6664	46	35	areas	area	NOUN
easat-6664	47	1	[	[	X
easat-6664	47	2	9	9	NUM
easat-6664	47	3	-	-	SYM
easat-6664	47	4	13	13	NUM
easat-6664	47	5	]	]	PUNCT
easat-6664	47	6	.	.	PUNCT
easat-6664	48	1	by	by	ADP
easat-6664	48	2	reducing	reduce	VERB
easat-6664	48	3	barriers	barrier	NOUN
easat-6664	48	4	related	relate	VERB
easat-6664	48	5	to	to	ADP
easat-6664	48	6	geography	geography	NOUN
easat-6664	48	7	,	,	PUNCT
easat-6664	48	8	cost	cost	NOUN
easat-6664	48	9	,	,	PUNCT
easat-6664	48	10	and	and	CCONJ
easat-6664	48	11	procedures	procedure	NOUN
easat-6664	48	12	,	,	PUNCT
easat-6664	48	13	dfi	dfi	PROPN
easat-6664	48	14	creates	create	VERB
easat-6664	48	15	opportunities	opportunity	NOUN
easat-6664	48	16	for	for	SCONJ
easat-6664	48	17	these	these	DET
easat-6664	48	18	individuals	individual	NOUN
easat-6664	48	19	to	to	PART
easat-6664	48	20	engage	engage	VERB
easat-6664	48	21	in	in	ADP
easat-6664	48	22	formal	formal	ADJ
easat-6664	48	23	economic	economic	ADJ
easat-6664	48	24	activities	activity	NOUN
easat-6664	48	25	,	,	PUNCT
easat-6664	48	26	thereby	thereby	ADV
easat-6664	48	27	improving	improve	VERB
easat-6664	48	28	employment	employment	NOUN
easat-6664	48	29	opportunities	opportunity	NOUN
easat-6664	48	30	and	and	CCONJ
easat-6664	48	31	reducing	reduce	VERB
easat-6664	48	32	unemployment	unemployment	NOUN
easat-6664	48	33	rates	rate	NOUN
easat-6664	48	34	.	.	PUNCT
easat-6664	49	1	in	in	ADP
easat-6664	49	2	contrast	contrast	NOUN
easat-6664	49	3	,	,	PUNCT
easat-6664	49	4	in	in	ADP
easat-6664	49	5	today	today	NOUN
easat-6664	49	6	’s	’s	PART
easat-6664	49	7	technological	technological	ADJ
easat-6664	49	8	context	context	NOUN
easat-6664	49	9	,	,	PUNCT
easat-6664	49	10	financial	financial	ADJ
easat-6664	49	11	development	development	NOUN
easat-6664	49	12	requires	require	VERB
easat-6664	49	13	a	a	DET
easat-6664	49	14	robust	robust	ADJ
easat-6664	49	15	infrastructure	infrastructure	NOUN
easat-6664	49	16	,	,	PUNCT
easat-6664	49	17	and	and	CCONJ
easat-6664	49	18	technological	technological	ADJ
easat-6664	49	19	advancements	advancement	NOUN
easat-6664	49	20	can	can	AUX
easat-6664	49	21	have	have	VERB
easat-6664	49	22	opposite	opposite	ADJ
easat-6664	49	23	effects	effect	NOUN
easat-6664	49	24	.	.	PUNCT
easat-6664	50	1	while	while	SCONJ
easat-6664	50	2	financial	financial	ADJ
easat-6664	50	3	technology	technology	NOUN
easat-6664	50	4	may	may	AUX
easat-6664	50	5	enhance	enhance	VERB
easat-6664	50	6	efficiency	efficiency	NOUN
easat-6664	50	7	,	,	PUNCT
easat-6664	50	8	reduce	reduce	VERB
easat-6664	50	9	costs	cost	NOUN
easat-6664	50	10	,	,	PUNCT
easat-6664	50	11	and	and	CCONJ
easat-6664	50	12	expand	expand	VERB
easat-6664	50	13	access	access	NOUN
easat-6664	50	14	to	to	ADP
easat-6664	50	15	financial	financial	ADJ
easat-6664	50	16	services	service	NOUN
easat-6664	50	17	,	,	PUNCT
easat-6664	50	18	it	it	PRON
easat-6664	50	19	can	can	AUX
easat-6664	50	20	also	also	ADV
easat-6664	50	21	lead	lead	VERB
easat-6664	50	22	to	to	ADP
easat-6664	50	23	the	the	DET
easat-6664	50	24	automation	automation	NOUN
easat-6664	50	25	of	of	ADP
easat-6664	50	26	processes	process	NOUN
easat-6664	50	27	,	,	PUNCT
easat-6664	50	28	resulting	result	VERB
easat-6664	50	29	in	in	ADP
easat-6664	50	30	the	the	DET
easat-6664	50	31	downsizing	downsizing	NOUN
easat-6664	50	32	or	or	CCONJ
easat-6664	50	33	replacement	replacement	NOUN
easat-6664	50	34	of	of	ADP
easat-6664	50	35	certain	certain	ADJ
easat-6664	50	36	traditional	traditional	ADJ
easat-6664	50	37	sectors	sector	NOUN
easat-6664	50	38	by	by	ADP
easat-6664	50	39	technology	technology	NOUN
easat-6664	50	40	.	.	PUNCT
easat-6664	51	1	this	this	PRON
easat-6664	51	2	can	can	AUX
easat-6664	51	3	create	create	VERB
easat-6664	51	4	a	a	DET
easat-6664	51	5	situation	situation	NOUN
easat-6664	51	6	of	of	ADP
easat-6664	51	7	"	"	PUNCT
easat-6664	51	8	job	job	NOUN
easat-6664	51	9	displacement	displacement	NOUN
easat-6664	51	10	"	"	PUNCT
easat-6664	51	11	in	in	ADP
easat-6664	51	12	sectors	sector	NOUN
easat-6664	51	13	that	that	PRON
easat-6664	51	14	are	be	AUX
easat-6664	51	15	vulnerable	vulnerable	ADJ
easat-6664	51	16	to	to	ADP
easat-6664	51	17	technological	technological	ADJ
easat-6664	51	18	replacement	replacement	NOUN
easat-6664	51	19	,	,	PUNCT
easat-6664	51	20	particularly	particularly	ADV
easat-6664	51	21	in	in	ADP
easat-6664	51	22	industries	industry	NOUN
easat-6664	51	23	such	such	ADJ
easat-6664	51	24	as	as	ADP
easat-6664	51	25	financial	financial	ADJ
easat-6664	51	26	services	service	NOUN
easat-6664	51	27	,	,	PUNCT
easat-6664	51	28	banking	banking	NOUN
easat-6664	51	29	,	,	PUNCT
easat-6664	51	30	and	and	CCONJ
easat-6664	51	31	manufacturing	manufacturing	NOUN
easat-6664	51	32	.	.	PUNCT
easat-6664	52	1	therefore	therefore	ADV
easat-6664	52	2	,	,	PUNCT
easat-6664	52	3	while	while	SCONJ
easat-6664	52	4	financial	financial	ADJ
easat-6664	52	5	development	development	NOUN
easat-6664	52	6	may	may	AUX
easat-6664	52	7	generate	generate	VERB
easat-6664	52	8	new	new	ADJ
easat-6664	52	9	job	job	NOUN
easat-6664	52	10	opportunities	opportunity	NOUN
easat-6664	52	11	through	through	ADP
easat-6664	52	12	fostering	foster	VERB
easat-6664	52	13	innovation	innovation	NOUN
easat-6664	52	14	and	and	CCONJ
easat-6664	52	15	entrepreneurship	entrepreneurship	NOUN
easat-6664	52	16	,	,	PUNCT
easat-6664	52	17	it	it	PRON
easat-6664	52	18	could	could	AUX
easat-6664	52	19	also	also	ADV
easat-6664	52	20	pose	pose	VERB
easat-6664	52	21	challenges	challenge	NOUN
easat-6664	52	22	in	in	ADP
easat-6664	52	23	protecting	protect	VERB
easat-6664	52	24	jobs	job	NOUN
easat-6664	52	25	for	for	ADP
easat-6664	52	26	traditional	traditional	ADJ
easat-6664	52	27	labor	labor	NOUN
easat-6664	52	28	groups	group	NOUN
easat-6664	52	29	.	.	PUNCT
easat-6664	53	1	given	give	VERB
easat-6664	53	2	these	these	DET
easat-6664	53	3	dynamics	dynamic	NOUN
easat-6664	53	4	,	,	PUNCT
easat-6664	53	5	it	it	PRON
easat-6664	53	6	is	be	AUX
easat-6664	53	7	crucial	crucial	ADJ
easat-6664	53	8	to	to	PART
easat-6664	53	9	examine	examine	VERB
easat-6664	53	10	whether	whether	SCONJ
easat-6664	53	11	dfi	dfi	PROPN
easat-6664	53	12	or	or	CCONJ
easat-6664	53	13	fd	fd	PROPN
easat-6664	53	14	should	should	AUX
easat-6664	53	15	be	be	AUX
easat-6664	53	16	the	the	DET
easat-6664	53	17	key	key	ADJ
easat-6664	53	18	focus	focus	NOUN
easat-6664	53	19	in	in	ADP
easat-6664	53	20	today	today	NOUN
easat-6664	53	21	’s	’s	PART
easat-6664	53	22	digital	digital	ADJ
easat-6664	53	23	transformation	transformation	NOUN
easat-6664	53	24	context	context	NOUN
easat-6664	53	25	.	.	PUNCT
easat-6664	54	1	thus	thus	ADV
easat-6664	54	2	,	,	PUNCT
easat-6664	54	3	this	this	DET
easat-6664	54	4	study	study	NOUN
easat-6664	54	5	aims	aim	VERB
easat-6664	54	6	to	to	PART
easat-6664	54	7	answer	answer	VERB
easat-6664	54	8	two	two	NUM
easat-6664	54	9	critical	critical	ADJ
easat-6664	54	10	questions	question	NOUN
easat-6664	54	11	:	:	PUNCT
easat-6664	54	12	how	how	SCONJ
easat-6664	54	13	will	will	AUX
easat-6664	54	14	dfi	dfi	PROPN
easat-6664	54	15	and	and	CCONJ
easat-6664	54	16	fd	fd	PROPN
easat-6664	54	17	impact	impact	NOUN
easat-6664	54	18	unemployment	unemployment	NOUN
easat-6664	54	19	rates	rate	NOUN
easat-6664	54	20	?	?	PUNCT
easat-6664	55	1	and	and	CCONJ
easat-6664	55	2	,	,	PUNCT
easat-6664	55	3	which	which	DET
easat-6664	55	4	policy	policy	NOUN
easat-6664	55	5	—	—	PUNCT
easat-6664	55	6	dfi	dfi	PROPN
easat-6664	55	7	or	or	CCONJ
easat-6664	55	8	fd	fd	PROPN
easat-6664	55	9	—	—	PUNCT
easat-6664	55	10	should	should	AUX
easat-6664	55	11	be	be	AUX
easat-6664	55	12	promoted	promote	VERB
easat-6664	55	13	by	by	ADP
easat-6664	55	14	countries	country	NOUN
easat-6664	55	15	in	in	ADP
easat-6664	55	16	the	the	DET
easat-6664	55	17	current	current	ADJ
easat-6664	55	18	digital	digital	ADJ
easat-6664	55	19	transformation	transformation	NOUN
easat-6664	55	20	era	era	NOUN
easat-6664	55	21	?	?	PUNCT
easat-6664	56	1	to	to	PART
easat-6664	56	2	address	address	VERB
easat-6664	56	3	these	these	DET
easat-6664	56	4	two	two	NUM
easat-6664	56	5	questions	question	NOUN
easat-6664	56	6	,	,	PUNCT
easat-6664	56	7	we	we	PRON
easat-6664	56	8	use	use	VERB
easat-6664	56	9	the	the	DET
easat-6664	56	10	bayesian	bayesian	NOUN
easat-6664	56	11	quantile	quantile	ADJ
easat-6664	56	12	regression	regression	NOUN
easat-6664	56	13	method	method	NOUN
easat-6664	56	14	.	.	PUNCT
easat-6664	57	1	the	the	DET
easat-6664	57	2	application	application	NOUN
easat-6664	57	3	of	of	ADP
easat-6664	57	4	quantile	quantile	ADJ
easat-6664	57	5	regression	regression	NOUN
easat-6664	57	6	provides	provide	VERB
easat-6664	57	7	a	a	DET
easat-6664	57	8	deeper	deep	ADJ
easat-6664	57	9	insight	insight	NOUN
easat-6664	57	10	into	into	ADP
easat-6664	57	11	the	the	DET
easat-6664	57	12	impact	impact	NOUN
easat-6664	57	13	of	of	ADP
easat-6664	57	14	dfi	dfi	PROPN
easat-6664	57	15	and	and	CCONJ
easat-6664	57	16	fd	fd	VERB
easat-6664	57	17	on	on	ADP
easat-6664	57	18	unemployment	unemployment	NOUN
easat-6664	57	19	rates	rate	NOUN
easat-6664	57	20	in	in	ADP
easat-6664	57	21	various	various	ADJ
easat-6664	57	22	contexts	contexts	NOUN
easat-6664	57	23	.	.	PUNCT
easat-6664	58	1	however	however	ADV
easat-6664	58	2	,	,	PUNCT
easat-6664	58	3	when	when	SCONJ
easat-6664	58	4	dividing	divide	VERB
easat-6664	58	5	into	into	ADP
easat-6664	58	6	smaller	small	ADJ
easat-6664	58	7	quantiles	quantile	NOUN
easat-6664	58	8	,	,	PUNCT
easat-6664	58	9	such	such	ADJ
easat-6664	58	10	as	as	ADP
easat-6664	58	11	at	at	ADP
easat-6664	58	12	the	the	DET
easat-6664	58	13	0.10	0.10	NUM
easat-6664	58	14	quantile	quantile	NOUN
easat-6664	58	15	,	,	PUNCT
easat-6664	58	16	the	the	DET
easat-6664	58	17	sample	sample	NOUN
easat-6664	58	18	size	size	NOUN
easat-6664	58	19	becomes	become	VERB
easat-6664	58	20	smaller	small	ADJ
easat-6664	58	21	,	,	PUNCT
easat-6664	58	22	which	which	PRON
easat-6664	58	23	reduces	reduce	VERB
easat-6664	58	24	the	the	DET
easat-6664	58	25	reliability	reliability	NOUN
easat-6664	58	26	of	of	ADP
easat-6664	58	27	the	the	DET
easat-6664	58	28	estimates	estimate	NOUN
easat-6664	58	29	.	.	PUNCT
easat-6664	59	1	to	to	PART
easat-6664	59	2	overcome	overcome	VERB
easat-6664	59	3	this	this	DET
easat-6664	59	4	issue	issue	NOUN
easat-6664	59	5	,	,	PUNCT
easat-6664	59	6	bayesian	bayesian	NOUN
easat-6664	59	7	quantile	quantile	ADJ
easat-6664	59	8	regression	regression	NOUN
easat-6664	59	9	can	can	AUX
easat-6664	59	10	be	be	AUX
easat-6664	59	11	an	an	DET
easat-6664	59	12	effective	effective	ADJ
easat-6664	59	13	solution	solution	NOUN
easat-6664	59	14	,	,	PUNCT
easat-6664	59	15	as	as	SCONJ
easat-6664	59	16	this	this	DET
easat-6664	59	17	method	method	NOUN
easat-6664	59	18	can	can	AUX
easat-6664	59	19	handle	handle	VERB
easat-6664	59	20	problems	problem	NOUN
easat-6664	59	21	related	relate	VERB
easat-6664	59	22	to	to	ADP
easat-6664	59	23	small	small	ADJ
easat-6664	59	24	sample	sample	NOUN
easat-6664	59	25	sizes	size	NOUN
easat-6664	59	26	.	.	PUNCT
easat-6664	60	1	additionally	additionally	ADV
easat-6664	60	2	,	,	PUNCT
easat-6664	60	3	bayesian	bayesian	NOUN
easat-6664	60	4	quantile	quantile	ADJ
easat-6664	60	5	regression	regression	NOUN
easat-6664	60	6	helps	help	VERB
easat-6664	60	7	address	address	VERB
easat-6664	60	8	issues	issue	NOUN
easat-6664	60	9	such	such	ADJ
easat-6664	60	10	as	as	ADP
easat-6664	60	11	autocorrelation	autocorrelation	NOUN
easat-6664	60	12	,	,	PUNCT
easat-6664	60	13	endogeneity	endogeneity	NOUN
easat-6664	60	14	,	,	PUNCT
easat-6664	60	15	and	and	CCONJ
easat-6664	60	16	multicollinearity	multicollinearity	NOUN
easat-6664	60	17	,	,	PUNCT
easat-6664	60	18	providing	provide	VERB
easat-6664	60	19	more	more	ADV
easat-6664	60	20	accurate	accurate	ADJ
easat-6664	60	21	estimates	estimate	NOUN
easat-6664	60	22	[	[	X
easat-6664	60	23	14	14	NUM
easat-6664	60	24	-	-	SYM
easat-6664	60	25	16	16	NUM
easat-6664	60	26	]	]	PUNCT
easat-6664	60	27	.	.	PUNCT
easat-6664	61	1	moreover	moreover	ADV
easat-6664	61	2	,	,	PUNCT
easat-6664	61	3	in	in	ADP
easat-6664	61	4	the	the	DET
easat-6664	61	5	case	case	NOUN
easat-6664	61	6	of	of	ADP
easat-6664	61	7	traditional	traditional	ADJ
easat-6664	61	8	quantile	quantile	ADJ
easat-6664	61	9	regression	regression	NOUN
easat-6664	61	10	,	,	PUNCT
easat-6664	61	11	statistical	statistical	ADJ
easat-6664	61	12	information	information	NOUN
easat-6664	61	13	is	be	AUX
easat-6664	61	14	often	often	ADV
easat-6664	61	15	consolidated	consolidate	VERB
easat-6664	61	16	into	into	ADP
easat-6664	61	17	a	a	DET
easat-6664	61	18	single	single	ADJ
easat-6664	61	19	number	number	NOUN
easat-6664	61	20	,	,	PUNCT
easat-6664	61	21	such	such	ADJ
easat-6664	61	22	as	as	ADP
easat-6664	61	23	the	the	DET
easat-6664	61	24	mean	mean	NOUN
easat-6664	61	25	or	or	CCONJ
easat-6664	61	26	percentile	percentile	ADJ
easat-6664	61	27	,	,	PUNCT
easat-6664	61	28	which	which	PRON
easat-6664	61	29	does	do	AUX
easat-6664	61	30	not	not	PART
easat-6664	61	31	reflect	reflect	VERB
easat-6664	61	32	any	any	DET
easat-6664	61	33	uncertainty	uncertainty	NOUN
easat-6664	61	34	associated	associate	VERB
easat-6664	61	35	with	with	ADP
easat-6664	61	36	such	such	ADJ
easat-6664	61	37	estimates	estimate	NOUN
easat-6664	61	38	.	.	PUNCT
easat-6664	62	1	this	this	DET
easat-6664	62	2	situation	situation	NOUN
easat-6664	62	3	may	may	AUX
easat-6664	62	4	lead	lead	VERB
easat-6664	62	5	to	to	ADP
easat-6664	62	6	the	the	DET
easat-6664	62	7	analysis	analysis	NOUN
easat-6664	62	8	results	result	NOUN
easat-6664	62	9	being	be	AUX
easat-6664	62	10	inconsistent	inconsistent	ADJ
easat-6664	62	11	with	with	ADP
easat-6664	62	12	the	the	DET
easat-6664	62	13	actual	actual	ADJ
easat-6664	62	14	variability	variability	NOUN
easat-6664	62	15	of	of	ADP
easat-6664	62	16	the	the	DET
easat-6664	62	17	factors	factor	NOUN
easat-6664	62	18	influencing	influence	VERB
easat-6664	62	19	unemployment	unemployment	NOUN
easat-6664	62	20	rates	rate	NOUN
easat-6664	62	21	.	.	PUNCT
easat-6664	63	1	in	in	ADP
easat-6664	63	2	contrast	contrast	NOUN
easat-6664	63	3	,	,	PUNCT
easat-6664	63	4	in	in	ADP
easat-6664	63	5	bayesian	bayesian	NOUN
easat-6664	63	6	quantile	quantile	ADJ
easat-6664	63	7	regression	regression	NOUN
easat-6664	63	8	,	,	PUNCT
easat-6664	63	9	each	each	DET
easat-6664	63	10	parameter	parameter	NOUN
easat-6664	63	11	is	be	AUX
easat-6664	63	12	represented	represent	VERB
easat-6664	63	13	by	by	ADP
easat-6664	63	14	a	a	DET
easat-6664	63	15	probability	probability	NOUN
easat-6664	63	16	distribution	distribution	NOUN
easat-6664	63	17	[	[	X
easat-6664	63	18	5	5	NUM
easat-6664	63	19	]	]	PUNCT
easat-6664	63	20	.	.	PUNCT
easat-6664	64	1	this	this	PRON
easat-6664	64	2	allows	allow	VERB
easat-6664	64	3	researchers	researcher	NOUN
easat-6664	64	4	not	not	PART
easat-6664	64	5	only	only	ADV
easat-6664	64	6	to	to	PART
easat-6664	64	7	estimate	estimate	VERB
easat-6664	64	8	the	the	DET
easat-6664	64	9	value	value	NOUN
easat-6664	64	10	of	of	ADP
easat-6664	64	11	the	the	DET
easat-6664	64	12	parameter	parameter	NOUN
easat-6664	64	13	but	but	CCONJ
easat-6664	64	14	also	also	ADV
easat-6664	64	15	to	to	PART
easat-6664	64	16	describe	describe	VERB
easat-6664	64	17	the	the	DET
easat-6664	64	18	uncertainty	uncertainty	NOUN
easat-6664	64	19	associated	associate	VERB
easat-6664	64	20	with	with	ADP
easat-6664	64	21	these	these	DET
easat-6664	64	22	values	value	NOUN
easat-6664	64	23	.	.	PUNCT
easat-6664	65	1	in	in	ADP
easat-6664	65	2	the	the	DET
easat-6664	65	3	context	context	NOUN
easat-6664	65	4	of	of	ADP
easat-6664	65	5	modeling	model	VERB
easat-6664	65	6	unemployment	unemployment	NOUN
easat-6664	65	7	rates	rate	NOUN
easat-6664	65	8	,	,	PUNCT
easat-6664	65	9	this	this	PRON
easat-6664	65	10	becomes	become	VERB
easat-6664	65	11	especially	especially	ADV
easat-6664	65	12	important	important	ADJ
easat-6664	65	13	because	because	SCONJ
easat-6664	65	14	unemployment	unemployment	NOUN
easat-6664	65	15	can	can	AUX
easat-6664	65	16	be	be	AUX
easat-6664	65	17	influenced	influence	VERB
easat-6664	65	18	by	by	ADP
easat-6664	65	19	many	many	ADJ
easat-6664	65	20	unobservable	unobservable	ADJ
easat-6664	65	21	factors	factor	NOUN
easat-6664	65	22	or	or	CCONJ
easat-6664	65	23	factors	factor	NOUN
easat-6664	65	24	that	that	PRON
easat-6664	65	25	change	change	VERB
easat-6664	65	26	over	over	ADP
easat-6664	65	27	time	time	NOUN
easat-6664	65	28	,	,	PUNCT
easat-6664	65	29	such	such	ADJ
easat-6664	65	30	as	as	ADP
easat-6664	65	31	fluctuations	fluctuation	NOUN
easat-6664	65	32	in	in	ADP
easat-6664	65	33	policies	policy	NOUN
easat-6664	65	34	,	,	PUNCT
easat-6664	65	35	technological	technological	ADJ
easat-6664	65	36	changes	change	NOUN
easat-6664	65	37	,	,	PUNCT
easat-6664	65	38	or	or	CCONJ
easat-6664	65	39	unexpected	unexpected	ADJ
easat-6664	65	40	macroeconomic	macroeconomic	ADJ
easat-6664	65	41	factors	factor	NOUN
easat-6664	65	42	.	.	PUNCT
easat-6664	66	1	for	for	ADP
easat-6664	66	2	instance	instance	NOUN
easat-6664	66	3	,	,	PUNCT
easat-6664	66	4	when	when	SCONJ
easat-6664	66	5	there	there	PRON
easat-6664	66	6	is	be	VERB
easat-6664	66	7	volatility	volatility	NOUN
easat-6664	66	8	in	in	ADP
easat-6664	66	9	unemployment	unemployment	NOUN
easat-6664	66	10	rates	rate	NOUN
easat-6664	66	11	due	due	ADJ
easat-6664	66	12	to	to	ADP
easat-6664	66	13	factors	factor	NOUN
easat-6664	66	14	such	such	ADJ
easat-6664	66	15	as	as	ADP
easat-6664	66	16	the	the	DET
easat-6664	66	17	covid-19	covid-19	PROPN
easat-6664	66	18	pandemic	pandemic	ADJ
easat-6664	66	19	,	,	PUNCT
easat-6664	66	20	policy	policy	NOUN
easat-6664	66	21	changes	change	NOUN
easat-6664	66	22	,	,	PUNCT
easat-6664	66	23	or	or	CCONJ
easat-6664	66	24	economic	economic	ADJ
easat-6664	66	25	crises	crisis	NOUN
easat-6664	66	26	.	.	PUNCT
easat-6664	67	1	bayesian	bayesian	NOUN
easat-6664	67	2	quantile	quantile	ADJ
easat-6664	67	3	regression	regression	NOUN
easat-6664	67	4	is	be	AUX
easat-6664	67	5	a	a	DET
easat-6664	67	6	method	method	NOUN
easat-6664	67	7	that	that	PRON
easat-6664	67	8	allows	allow	VERB
easat-6664	67	9	researchers	researcher	NOUN
easat-6664	67	10	to	to	PART
easat-6664	67	11	adjust	adjust	VERB
easat-6664	67	12	or	or	CCONJ
easat-6664	67	13	update	update	VERB
easat-6664	67	14	their	their	PRON
easat-6664	67	15	estimates	estimate	NOUN
easat-6664	67	16	over	over	ADP
easat-6664	67	17	time	time	NOUN
easat-6664	67	18	by	by	ADP
easat-6664	67	19	modifying	modify	VERB
easat-6664	67	20	the	the	DET
easat-6664	67	21	probability	probability	NOUN
easat-6664	67	22	distribution	distribution	NOUN
easat-6664	67	23	[	[	X
easat-6664	67	24	14	14	NUM
easat-6664	67	25	]	]	PUNCT
easat-6664	67	26	.	.	PUNCT
easat-6664	68	1	this	this	PRON
easat-6664	68	2	not	not	PART
easat-6664	68	3	only	only	ADV
easat-6664	68	4	provides	provide	VERB
easat-6664	68	5	a	a	DET
easat-6664	68	6	clearer	clear	ADJ
easat-6664	68	7	view	view	NOUN
easat-6664	68	8	of	of	ADP
easat-6664	68	9	the	the	DET
easat-6664	68	10	impacts	impact	NOUN
easat-6664	68	11	of	of	ADP
easat-6664	68	12	financial	financial	ADJ
easat-6664	68	13	policies	policy	NOUN
easat-6664	68	14	on	on	ADP
easat-6664	68	15	unemployment	unemployment	NOUN
easat-6664	68	16	rates	rate	NOUN
easat-6664	68	17	but	but	CCONJ
easat-6664	68	18	also	also	ADV
easat-6664	68	19	shows	show	VERB
easat-6664	68	20	the	the	DET
easat-6664	68	21	reliability	reliability	NOUN
easat-6664	68	22	of	of	ADP
easat-6664	68	23	the	the	DET
easat-6664	68	24	estimates	estimate	NOUN
easat-6664	68	25	,	,	PUNCT
easat-6664	68	26	thereby	thereby	ADV
easat-6664	68	27	enabling	enable	VERB
easat-6664	68	28	more	more	ADV
easat-6664	68	29	accurate	accurate	ADJ
easat-6664	68	30	policy	policy	NOUN
easat-6664	68	31	decisions	decision	NOUN
easat-6664	68	32	.	.	PUNCT
easat-6664	69	1	2865	2865	NUM
easat-6664	69	2	edelweiss	edelweiss	PROPN
easat-6664	69	3	applied	apply	VERB
easat-6664	69	4	science	science	NOUN
easat-6664	69	5	and	and	CCONJ
easat-6664	69	6	technology	technology	NOUN
easat-6664	69	7	issn	issn	PROPN
easat-6664	69	8	:	:	PUNCT
easat-6664	69	9	2576	2576	NUM
easat-6664	69	10	-	-	SYM
easat-6664	69	11	8484	8484	NUM
easat-6664	69	12	vol	vol	NOUN
easat-6664	69	13	.	.	PROPN
easat-6664	70	1	9	9	NUM
easat-6664	70	2	,	,	PUNCT
easat-6664	70	3	no	no	INTJ
easat-6664	70	4	.	.	NOUN
easat-6664	70	5	4	4	NUM
easat-6664	70	6	:	:	SYM
easat-6664	70	7	2862	2862	NUM
easat-6664	70	8	-	-	SYM
easat-6664	70	9	2876	2876	NUM
easat-6664	70	10	,	,	PUNCT
easat-6664	70	11	2025	2025	NUM
easat-6664	70	12	doi	doi	NOUN
easat-6664	70	13	:	:	PUNCT
easat-6664	70	14	10.55214/25768484.v9i4.6664	10.55214/25768484.v9i4.6664	NUM
easat-6664	70	15	©	©	PROPN
easat-6664	70	16	2025	2025	NUM
easat-6664	70	17	by	by	ADP
easat-6664	70	18	the	the	DET
easat-6664	70	19	authors	author	NOUN
easat-6664	70	20	;	;	PUNCT
easat-6664	70	21	licensee	licensee	PROPN
easat-6664	70	22	learning	learning	NOUN
easat-6664	70	23	gate	gate	NOUN
easat-6664	70	24	this	this	DET
easat-6664	70	25	study	study	NOUN
easat-6664	70	26	contributes	contribute	VERB
easat-6664	70	27	to	to	ADP
easat-6664	70	28	the	the	DET
easat-6664	70	29	literature	literature	NOUN
easat-6664	70	30	in	in	ADP
easat-6664	70	31	the	the	DET
easat-6664	70	32	following	follow	VERB
easat-6664	70	33	aspects	aspect	NOUN
easat-6664	70	34	:	:	PUNCT
easat-6664	70	35	first	first	ADV
easat-6664	70	36	,	,	PUNCT
easat-6664	70	37	it	it	PRON
easat-6664	70	38	clarifies	clarify	VERB
easat-6664	70	39	the	the	DET
easat-6664	70	40	differences	difference	NOUN
easat-6664	70	41	between	between	ADP
easat-6664	70	42	dfi	dfi	PROPN
easat-6664	70	43	and	and	CCONJ
easat-6664	70	44	fd	fd	X
easat-6664	70	45	in	in	ADP
easat-6664	70	46	their	their	PRON
easat-6664	70	47	impact	impact	NOUN
easat-6664	70	48	on	on	ADP
easat-6664	70	49	unemployment	unemployment	NOUN
easat-6664	70	50	rates	rate	NOUN
easat-6664	70	51	;	;	PUNCT
easat-6664	70	52	it	it	PRON
easat-6664	70	53	applies	apply	VERB
easat-6664	70	54	the	the	DET
easat-6664	70	55	bayesian	bayesian	NOUN
easat-6664	70	56	quantile	quantile	ADJ
easat-6664	70	57	regression	regression	NOUN
easat-6664	70	58	method	method	NOUN
easat-6664	70	59	to	to	PART
easat-6664	70	60	model	model	VERB
easat-6664	70	61	unemployment	unemployment	NOUN
easat-6664	70	62	rates	rate	NOUN
easat-6664	70	63	,	,	PUNCT
easat-6664	70	64	helping	help	VERB
easat-6664	70	65	to	to	PART
easat-6664	70	66	describe	describe	VERB
easat-6664	70	67	uncertainty	uncertainty	NOUN
easat-6664	70	68	and	and	CCONJ
easat-6664	70	69	variability	variability	NOUN
easat-6664	70	70	in	in	ADP
easat-6664	70	71	the	the	DET
easat-6664	70	72	influencing	influence	VERB
easat-6664	70	73	factors	factor	NOUN
easat-6664	70	74	;	;	PUNCT
easat-6664	70	75	it	it	PRON
easat-6664	70	76	provides	provide	VERB
easat-6664	70	77	insights	insight	NOUN
easat-6664	70	78	for	for	ADP
easat-6664	70	79	effective	effective	ADJ
easat-6664	70	80	financial	financial	ADJ
easat-6664	70	81	policies	policy	NOUN
easat-6664	70	82	aimed	aim	VERB
easat-6664	70	83	at	at	ADP
easat-6664	70	84	reducing	reduce	VERB
easat-6664	70	85	unemployment	unemployment	NOUN
easat-6664	70	86	rates	rate	NOUN
easat-6664	70	87	;	;	PUNCT
easat-6664	70	88	and	and	CCONJ
easat-6664	70	89	it	it	PRON
easat-6664	70	90	proposes	propose	VERB
easat-6664	70	91	improvements	improvement	NOUN
easat-6664	70	92	in	in	ADP
easat-6664	70	93	financial	financial	ADJ
easat-6664	70	94	infrastructure	infrastructure	NOUN
easat-6664	70	95	,	,	PUNCT
easat-6664	70	96	particularly	particularly	ADV
easat-6664	70	97	in	in	ADP
easat-6664	70	98	the	the	DET
easat-6664	70	99	context	context	NOUN
easat-6664	70	100	of	of	ADP
easat-6664	70	101	digital	digital	ADJ
easat-6664	70	102	transformation	transformation	NOUN
easat-6664	70	103	,	,	PUNCT
easat-6664	70	104	to	to	PART
easat-6664	70	105	reduce	reduce	VERB
easat-6664	70	106	unemployment	unemployment	NOUN
easat-6664	70	107	rates	rate	NOUN
easat-6664	70	108	.	.	PUNCT
easat-6664	71	1	the	the	DET
easat-6664	71	2	remainder	remainder	NOUN
easat-6664	71	3	of	of	ADP
easat-6664	71	4	this	this	DET
easat-6664	71	5	article	article	NOUN
easat-6664	71	6	is	be	AUX
easat-6664	71	7	organized	organize	VERB
easat-6664	71	8	as	as	SCONJ
easat-6664	71	9	follows	follow	VERB
easat-6664	71	10	.	.	PUNCT
easat-6664	72	1	the	the	DET
easat-6664	72	2	section	section	NOUN
easat-6664	72	3	"	"	PUNCT
easat-6664	72	4	literature	literature	NOUN
easat-6664	72	5	review	review	NOUN
easat-6664	72	6	"	"	PUNCT
easat-6664	72	7	provides	provide	VERB
easat-6664	72	8	an	an	DET
easat-6664	72	9	overview	overview	NOUN
easat-6664	72	10	of	of	ADP
easat-6664	72	11	studies	study	NOUN
easat-6664	72	12	examining	examine	VERB
easat-6664	72	13	the	the	DET
easat-6664	72	14	impact	impact	NOUN
easat-6664	72	15	of	of	ADP
easat-6664	72	16	dfi	dfi	PROPN
easat-6664	72	17	and	and	CCONJ
easat-6664	72	18	fd	fd	PROPN
easat-6664	72	19	on	on	ADP
easat-6664	72	20	une	une	PROPN
easat-6664	72	21	.	.	PUNCT
easat-6664	73	1	following	follow	VERB
easat-6664	73	2	that	that	PRON
easat-6664	73	3	,	,	PUNCT
easat-6664	73	4	the	the	DET
easat-6664	73	5	section	section	NOUN
easat-6664	73	6	"	"	PUNCT
easat-6664	73	7	research	research	NOUN
easat-6664	73	8	methodology	methodology	NOUN
easat-6664	73	9	"	"	PUNCT
easat-6664	73	10	offers	offer	VERB
easat-6664	73	11	a	a	DET
easat-6664	73	12	brief	brief	ADJ
easat-6664	73	13	introduction	introduction	NOUN
easat-6664	73	14	to	to	ADP
easat-6664	73	15	the	the	DET
easat-6664	73	16	data	datum	NOUN
easat-6664	73	17	,	,	PUNCT
easat-6664	73	18	variable	variable	ADJ
easat-6664	73	19	descriptions	description	NOUN
easat-6664	73	20	,	,	PUNCT
easat-6664	73	21	rationale	rationale	NOUN
easat-6664	73	22	,	,	PUNCT
easat-6664	73	23	and	and	CCONJ
easat-6664	73	24	an	an	DET
easat-6664	73	25	overview	overview	NOUN
easat-6664	73	26	of	of	ADP
easat-6664	73	27	descriptive	descriptive	ADJ
easat-6664	73	28	statistics	statistic	NOUN
easat-6664	73	29	.	.	PUNCT
easat-6664	74	1	in	in	ADP
easat-6664	74	2	the	the	DET
easat-6664	74	3	subsequent	subsequent	ADJ
easat-6664	74	4	section	section	NOUN
easat-6664	74	5	,	,	PUNCT
easat-6664	74	6	"	"	PUNCT
easat-6664	74	7	empirical	empirical	ADJ
easat-6664	74	8	results	result	NOUN
easat-6664	74	9	,	,	PUNCT
easat-6664	74	10	"	"	PUNCT
easat-6664	74	11	we	we	PRON
easat-6664	74	12	delve	delve	VERB
easat-6664	74	13	into	into	ADP
easat-6664	74	14	the	the	DET
easat-6664	74	15	findings	finding	NOUN
easat-6664	74	16	of	of	ADP
easat-6664	74	17	our	our	PRON
easat-6664	74	18	research	research	NOUN
easat-6664	74	19	.	.	PUNCT
easat-6664	75	1	finally	finally	ADV
easat-6664	75	2	,	,	PUNCT
easat-6664	75	3	the	the	DET
easat-6664	75	4	section	section	NOUN
easat-6664	75	5	"	"	PUNCT
easat-6664	75	6	conclusion	conclusion	NOUN
easat-6664	75	7	and	and	CCONJ
easat-6664	75	8	policy	policy	NOUN
easat-6664	75	9	implications	implication	NOUN
easat-6664	75	10	"	"	PUNCT
easat-6664	75	11	concludes	conclude	VERB
easat-6664	75	12	the	the	DET
easat-6664	75	13	article	article	NOUN
easat-6664	75	14	and	and	CCONJ
easat-6664	75	15	presents	present	NOUN
easat-6664	75	16	tailored	tailor	VERB
easat-6664	75	17	policy	policy	NOUN
easat-6664	75	18	recommendations	recommendation	NOUN
easat-6664	75	19	.	.	PUNCT
easat-6664	76	1	2	2	X
easat-6664	76	2	.	.	X
easat-6664	76	3	literature	literature	NOUN
easat-6664	76	4	review	review	VERB
easat-6664	76	5	2.1	2.1	NUM
easat-6664	76	6	.	.	PUNCT
easat-6664	77	1	the	the	DET
easat-6664	77	2	theory	theory	NOUN
easat-6664	77	3	of	of	ADP
easat-6664	77	4	the	the	DET
easat-6664	77	5	impact	impact	NOUN
easat-6664	77	6	of	of	ADP
easat-6664	77	7	dfi	dfi	PROPN
easat-6664	77	8	and	and	CCONJ
easat-6664	77	9	fd	fd	VERB
easat-6664	77	10	on	on	ADP
easat-6664	77	11	une	une	PROPN
easat-6664	77	12	the	the	DET
easat-6664	77	13	theory	theory	NOUN
easat-6664	77	14	regarding	regard	VERB
easat-6664	77	15	the	the	DET
easat-6664	77	16	impact	impact	NOUN
easat-6664	77	17	of	of	ADP
easat-6664	77	18	dfi	dfi	PROPN
easat-6664	77	19	and	and	CCONJ
easat-6664	77	20	fd	fd	VERB
easat-6664	77	21	on	on	ADP
easat-6664	77	22	unemployment	unemployment	NOUN
easat-6664	77	23	can	can	AUX
easat-6664	77	24	be	be	AUX
easat-6664	77	25	approached	approach	VERB
easat-6664	77	26	through	through	ADP
easat-6664	77	27	the	the	DET
easat-6664	77	28	following	follow	VERB
easat-6664	77	29	theories	theory	NOUN
easat-6664	77	30	.	.	PUNCT
easat-6664	78	1	george	george	PROPN
easat-6664	78	2	[	[	X
easat-6664	78	3	17	17	NUM
easat-6664	78	4	]	]	PUNCT
easat-6664	78	5	theory	theory	NOUN
easat-6664	78	6	of	of	ADP
easat-6664	78	7	information	information	NOUN
easat-6664	78	8	asymmetry	asymmetry	NOUN
easat-6664	78	9	suggests	suggest	VERB
easat-6664	78	10	that	that	SCONJ
easat-6664	78	11	distinguishing	distinguish	VERB
easat-6664	78	12	between	between	ADP
easat-6664	78	13	good	good	ADJ
easat-6664	78	14	borrowers	borrower	NOUN
easat-6664	78	15	and	and	CCONJ
easat-6664	78	16	bad	bad	ADJ
easat-6664	78	17	borrowers	borrower	NOUN
easat-6664	78	18	is	be	AUX
easat-6664	78	19	challenging	challenge	VERB
easat-6664	78	20	due	due	ADJ
easat-6664	78	21	to	to	ADP
easat-6664	78	22	the	the	DET
easat-6664	78	23	presence	presence	NOUN
easat-6664	78	24	of	of	ADP
easat-6664	78	25	information	information	NOUN
easat-6664	78	26	asymmetry	asymmetry	NOUN
easat-6664	78	27	,	,	PUNCT
easat-6664	78	28	where	where	SCONJ
easat-6664	78	29	one	one	NUM
easat-6664	78	30	party	party	NOUN
easat-6664	78	31	in	in	ADP
easat-6664	78	32	a	a	DET
easat-6664	78	33	credit	credit	NOUN
easat-6664	78	34	contract	contract	NOUN
easat-6664	78	35	has	have	VERB
easat-6664	78	36	more	more	ADJ
easat-6664	78	37	or	or	CCONJ
easat-6664	78	38	better	well	ADJ
easat-6664	78	39	information	information	NOUN
easat-6664	78	40	than	than	ADP
easat-6664	78	41	the	the	DET
easat-6664	78	42	other	other	ADJ
easat-6664	78	43	.	.	PUNCT
easat-6664	79	1	dfi	dfi	PROPN
easat-6664	79	2	,	,	PUNCT
easat-6664	79	3	by	by	ADP
easat-6664	79	4	providing	provide	VERB
easat-6664	79	5	digital	digital	ADJ
easat-6664	79	6	financial	financial	ADJ
easat-6664	79	7	services	service	NOUN
easat-6664	79	8	,	,	PUNCT
easat-6664	79	9	helps	help	VERB
easat-6664	79	10	mitigate	mitigate	VERB
easat-6664	79	11	information	information	NOUN
easat-6664	79	12	asymmetry	asymmetry	NOUN
easat-6664	79	13	between	between	ADP
easat-6664	79	14	financial	financial	ADJ
easat-6664	79	15	institutions	institution	NOUN
easat-6664	79	16	and	and	CCONJ
easat-6664	79	17	previously	previously	ADV
easat-6664	79	18	underserved	underserved	ADJ
easat-6664	79	19	individuals	individual	NOUN
easat-6664	79	20	,	,	PUNCT
easat-6664	79	21	especially	especially	ADV
easat-6664	79	22	those	those	PRON
easat-6664	79	23	in	in	ADP
easat-6664	79	24	rural	rural	ADJ
easat-6664	79	25	areas	area	NOUN
easat-6664	79	26	or	or	CCONJ
easat-6664	79	27	with	with	ADP
easat-6664	79	28	low	low	ADJ
easat-6664	79	29	incomes	income	NOUN
easat-6664	79	30	.	.	PUNCT
easat-6664	80	1	previously	previously	ADV
easat-6664	80	2	,	,	PUNCT
easat-6664	80	3	many	many	ADJ
easat-6664	80	4	individuals	individual	NOUN
easat-6664	80	5	were	be	AUX
easat-6664	80	6	unable	unable	ADJ
easat-6664	80	7	to	to	PART
easat-6664	80	8	access	access	VERB
easat-6664	80	9	financial	financial	ADJ
easat-6664	80	10	services	service	NOUN
easat-6664	80	11	due	due	ADP
easat-6664	80	12	to	to	ADP
easat-6664	80	13	a	a	DET
easat-6664	80	14	lack	lack	NOUN
easat-6664	80	15	of	of	ADP
easat-6664	80	16	information	information	NOUN
easat-6664	80	17	about	about	ADP
easat-6664	80	18	financial	financial	ADJ
easat-6664	80	19	products	product	NOUN
easat-6664	80	20	or	or	CCONJ
easat-6664	80	21	insufficient	insufficient	ADJ
easat-6664	80	22	documentation	documentation	NOUN
easat-6664	80	23	to	to	PART
easat-6664	80	24	participate	participate	VERB
easat-6664	80	25	in	in	ADP
easat-6664	80	26	the	the	DET
easat-6664	80	27	formal	formal	ADJ
easat-6664	80	28	banking	banking	NOUN
easat-6664	80	29	system	system	NOUN
easat-6664	80	30	.	.	PUNCT
easat-6664	81	1	fd	fd	PROPN
easat-6664	81	2	plays	play	VERB
easat-6664	81	3	a	a	DET
easat-6664	81	4	crucial	crucial	ADJ
easat-6664	81	5	role	role	NOUN
easat-6664	81	6	in	in	ADP
easat-6664	81	7	building	build	VERB
easat-6664	81	8	and	and	CCONJ
easat-6664	81	9	improving	improve	VERB
easat-6664	81	10	the	the	DET
easat-6664	81	11	financial	financial	ADJ
easat-6664	81	12	system	system	NOUN
easat-6664	81	13	,	,	PUNCT
easat-6664	81	14	enabling	enable	VERB
easat-6664	81	15	individuals	individual	NOUN
easat-6664	81	16	and	and	CCONJ
easat-6664	81	17	businesses	business	NOUN
easat-6664	81	18	to	to	PART
easat-6664	81	19	easily	easily	ADV
easat-6664	81	20	access	access	VERB
easat-6664	81	21	and	and	CCONJ
easat-6664	81	22	use	use	VERB
easat-6664	81	23	financial	financial	ADJ
easat-6664	81	24	services	service	NOUN
easat-6664	81	25	.	.	PUNCT
easat-6664	82	1	the	the	DET
easat-6664	82	2	financial	financial	ADJ
easat-6664	82	3	intermediation	intermediation	NOUN
easat-6664	82	4	theory	theory	NOUN
easat-6664	82	5	by	by	ADP
easat-6664	82	6	diamond	diamond	NOUN
easat-6664	82	7	[	[	X
easat-6664	82	8	18	18	NUM
easat-6664	82	9	]	]	PUNCT
easat-6664	82	10	explains	explain	VERB
easat-6664	82	11	that	that	SCONJ
easat-6664	82	12	banks	bank	NOUN
easat-6664	82	13	function	function	VERB
easat-6664	82	14	as	as	ADP
easat-6664	82	15	"	"	PUNCT
easat-6664	82	16	financial	financial	ADJ
easat-6664	82	17	intermediaries	intermediary	NOUN
easat-6664	82	18	"	"	PUNCT
easat-6664	82	19	connecting	connect	VERB
easat-6664	82	20	savers	saver	NOUN
easat-6664	82	21	(	(	PUNCT
easat-6664	82	22	capital	capital	NOUN
easat-6664	82	23	holders	holder	NOUN
easat-6664	82	24	)	)	PUNCT
easat-6664	82	25	with	with	ADP
easat-6664	82	26	those	those	PRON
easat-6664	82	27	who	who	PRON
easat-6664	82	28	need	need	VERB
easat-6664	82	29	capital	capital	NOUN
easat-6664	82	30	(	(	PUNCT
easat-6664	82	31	businesses	business	NOUN
easat-6664	82	32	or	or	CCONJ
easat-6664	82	33	individuals	individual	NOUN
easat-6664	82	34	seeking	seek	VERB
easat-6664	82	35	loans	loan	NOUN
easat-6664	82	36	)	)	PUNCT
easat-6664	82	37	.	.	PUNCT
easat-6664	83	1	dfi	dfi	PROPN
easat-6664	83	2	helps	help	VERB
easat-6664	83	3	connect	connect	VERB
easat-6664	83	4	individuals	individual	NOUN
easat-6664	83	5	without	without	ADP
easat-6664	83	6	bank	bank	NOUN
easat-6664	83	7	accounts	account	NOUN
easat-6664	83	8	to	to	ADP
easat-6664	83	9	the	the	DET
easat-6664	83	10	formal	formal	ADJ
easat-6664	83	11	financial	financial	ADJ
easat-6664	83	12	system	system	NOUN
easat-6664	83	13	through	through	ADP
easat-6664	83	14	digital	digital	ADJ
easat-6664	83	15	financial	financial	ADJ
easat-6664	83	16	services	service	NOUN
easat-6664	83	17	such	such	ADJ
easat-6664	83	18	as	as	ADP
easat-6664	83	19	e	e	NOUN
easat-6664	83	20	-	-	NOUN
easat-6664	83	21	wallets	wallet	NOUN
easat-6664	83	22	,	,	PUNCT
easat-6664	83	23	mobile	mobile	ADJ
easat-6664	83	24	money	money	NOUN
easat-6664	83	25	transfers	transfer	NOUN
easat-6664	83	26	,	,	PUNCT
easat-6664	83	27	or	or	CCONJ
easat-6664	83	28	online	online	ADJ
easat-6664	83	29	banking	banking	NOUN
easat-6664	83	30	platforms	platform	NOUN
easat-6664	83	31	.	.	PUNCT
easat-6664	84	1	by	by	ADP
easat-6664	84	2	doing	do	VERB
easat-6664	84	3	so	so	ADV
easat-6664	84	4	,	,	PUNCT
easat-6664	84	5	dfi	dfi	PROPN
easat-6664	84	6	not	not	PART
easat-6664	84	7	only	only	ADV
easat-6664	84	8	reduces	reduce	VERB
easat-6664	84	9	geographical	geographical	ADJ
easat-6664	84	10	barriers	barrier	NOUN
easat-6664	84	11	but	but	CCONJ
easat-6664	84	12	also	also	ADV
easat-6664	84	13	mitigates	mitigate	VERB
easat-6664	84	14	information	information	NOUN
easat-6664	84	15	asymmetry	asymmetry	NOUN
easat-6664	84	16	in	in	ADP
easat-6664	84	17	evaluating	evaluate	VERB
easat-6664	84	18	and	and	CCONJ
easat-6664	84	19	allocating	allocate	VERB
easat-6664	84	20	capital	capital	NOUN
easat-6664	84	21	,	,	PUNCT
easat-6664	84	22	supporting	support	VERB
easat-6664	84	23	individuals	individual	NOUN
easat-6664	84	24	and	and	CCONJ
easat-6664	84	25	businesses	business	NOUN
easat-6664	84	26	in	in	ADP
easat-6664	84	27	joining	join	VERB
easat-6664	84	28	the	the	DET
easat-6664	84	29	formal	formal	ADJ
easat-6664	84	30	economy	economy	NOUN
easat-6664	84	31	,	,	PUNCT
easat-6664	84	32	improving	improve	VERB
easat-6664	84	33	employment	employment	NOUN
easat-6664	84	34	opportunities	opportunity	NOUN
easat-6664	84	35	,	,	PUNCT
easat-6664	84	36	and	and	CCONJ
easat-6664	84	37	reducing	reduce	VERB
easat-6664	84	38	unemployment	unemployment	NOUN
easat-6664	84	39	rates	rate	NOUN
easat-6664	84	40	.	.	PUNCT
easat-6664	85	1	fd	fd	PROPN
easat-6664	85	2	promotes	promote	VERB
easat-6664	85	3	the	the	DET
easat-6664	85	4	emergence	emergence	NOUN
easat-6664	85	5	and	and	CCONJ
easat-6664	85	6	operation	operation	NOUN
easat-6664	85	7	of	of	ADP
easat-6664	85	8	financial	financial	ADJ
easat-6664	85	9	institutions	institution	NOUN
easat-6664	85	10	(	(	PUNCT
easat-6664	85	11	banks	bank	NOUN
easat-6664	85	12	,	,	PUNCT
easat-6664	85	13	insurance	insurance	NOUN
easat-6664	85	14	companies	company	NOUN
easat-6664	85	15	,	,	PUNCT
easat-6664	85	16	investment	investment	NOUN
easat-6664	85	17	funds	fund	NOUN
easat-6664	85	18	,	,	PUNCT
easat-6664	85	19	etc	etc	X
easat-6664	85	20	.	.	X
easat-6664	85	21	)	)	PUNCT
easat-6664	86	1	and	and	CCONJ
easat-6664	86	2	financial	financial	ADJ
easat-6664	86	3	instruments	instrument	NOUN
easat-6664	86	4	in	in	ADP
easat-6664	86	5	the	the	DET
easat-6664	86	6	economy	economy	NOUN
easat-6664	86	7	.	.	PUNCT
easat-6664	87	1	as	as	SCONJ
easat-6664	87	2	financial	financial	ADJ
easat-6664	87	3	institutions	institution	NOUN
easat-6664	87	4	develop	develop	VERB
easat-6664	87	5	,	,	PUNCT
easat-6664	87	6	capital	capital	NOUN
easat-6664	87	7	allocation	allocation	NOUN
easat-6664	87	8	becomes	become	VERB
easat-6664	87	9	more	more	ADV
easat-6664	87	10	efficient	efficient	ADJ
easat-6664	87	11	,	,	PUNCT
easat-6664	87	12	reducing	reduce	VERB
easat-6664	87	13	information	information	NOUN
easat-6664	87	14	asymmetry	asymmetry	NOUN
easat-6664	87	15	and	and	CCONJ
easat-6664	87	16	helping	help	VERB
easat-6664	87	17	businesses	business	NOUN
easat-6664	87	18	,	,	PUNCT
easat-6664	87	19	especially	especially	ADV
easat-6664	87	20	small	small	ADJ
easat-6664	87	21	and	and	CCONJ
easat-6664	87	22	medium	medium	ADJ
easat-6664	87	23	-	-	PUNCT
easat-6664	87	24	sized	sized	ADJ
easat-6664	87	25	enterprises	enterprise	NOUN
easat-6664	87	26	(	(	PUNCT
easat-6664	87	27	smes	sme	NOUN
easat-6664	87	28	)	)	PUNCT
easat-6664	87	29	,	,	PUNCT
easat-6664	87	30	access	access	NOUN
easat-6664	87	31	capital	capital	NOUN
easat-6664	87	32	.	.	PUNCT
easat-6664	88	1	this	this	PRON
easat-6664	88	2	not	not	PART
easat-6664	88	3	only	only	ADV
easat-6664	88	4	boosts	boost	VERB
easat-6664	88	5	economic	economic	ADJ
easat-6664	88	6	development	development	NOUN
easat-6664	88	7	but	but	CCONJ
easat-6664	88	8	also	also	ADV
easat-6664	88	9	creates	create	VERB
easat-6664	88	10	more	more	ADJ
easat-6664	88	11	job	job	NOUN
easat-6664	88	12	opportunities	opportunity	NOUN
easat-6664	88	13	,	,	PUNCT
easat-6664	88	14	potentially	potentially	ADV
easat-6664	88	15	contributing	contribute	VERB
easat-6664	88	16	to	to	PART
easat-6664	88	17	lower	low	ADJ
easat-6664	88	18	unemployment	unemployment	NOUN
easat-6664	88	19	rates	rate	NOUN
easat-6664	88	20	.	.	PUNCT
easat-6664	89	1	the	the	DET
easat-6664	89	2	labor	labor	NOUN
easat-6664	89	3	supply	supply	NOUN
easat-6664	89	4	and	and	CCONJ
easat-6664	89	5	demand	demand	NOUN
easat-6664	89	6	theory	theory	NOUN
easat-6664	89	7	[	[	X
easat-6664	89	8	19	19	NUM
easat-6664	89	9	]	]	PUNCT
easat-6664	89	10	suggests	suggest	VERB
easat-6664	89	11	that	that	SCONJ
easat-6664	89	12	unemployment	unemployment	NOUN
easat-6664	89	13	rates	rate	NOUN
easat-6664	89	14	can	can	AUX
easat-6664	89	15	be	be	AUX
easat-6664	89	16	explained	explain	VERB
easat-6664	89	17	through	through	ADP
easat-6664	89	18	the	the	DET
easat-6664	89	19	balance	balance	NOUN
easat-6664	89	20	between	between	ADP
easat-6664	89	21	labor	labor	NOUN
easat-6664	89	22	supply	supply	NOUN
easat-6664	89	23	and	and	CCONJ
easat-6664	89	24	labor	labor	NOUN
easat-6664	89	25	demand	demand	NOUN
easat-6664	89	26	.	.	PUNCT
easat-6664	90	1	in	in	ADP
easat-6664	90	2	this	this	DET
easat-6664	90	3	context	context	NOUN
easat-6664	90	4	,	,	PUNCT
easat-6664	90	5	dfi	dfi	PROPN
easat-6664	90	6	helps	help	VERB
easat-6664	90	7	reduce	reduce	VERB
easat-6664	90	8	financial	financial	ADJ
easat-6664	90	9	barriers	barrier	NOUN
easat-6664	90	10	for	for	ADP
easat-6664	90	11	workers	worker	NOUN
easat-6664	90	12	and	and	CCONJ
easat-6664	90	13	businesses	business	NOUN
easat-6664	90	14	,	,	PUNCT
easat-6664	90	15	increasing	increase	VERB
easat-6664	90	16	their	their	PRON
easat-6664	90	17	ability	ability	NOUN
easat-6664	90	18	to	to	PART
easat-6664	90	19	participate	participate	VERB
easat-6664	90	20	in	in	ADP
easat-6664	90	21	the	the	DET
easat-6664	90	22	labor	labor	NOUN
easat-6664	90	23	market	market	NOUN
easat-6664	90	24	.	.	PUNCT
easat-6664	91	1	when	when	SCONJ
easat-6664	91	2	individuals	individual	NOUN
easat-6664	91	3	can	can	AUX
easat-6664	91	4	easily	easily	ADV
easat-6664	91	5	access	access	VERB
easat-6664	91	6	financial	financial	ADJ
easat-6664	91	7	services	service	NOUN
easat-6664	91	8	,	,	PUNCT
easat-6664	91	9	they	they	PRON
easat-6664	91	10	can	can	AUX
easat-6664	91	11	create	create	VERB
easat-6664	91	12	job	job	NOUN
easat-6664	91	13	opportunities	opportunity	NOUN
easat-6664	91	14	or	or	CCONJ
easat-6664	91	15	start	start	VERB
easat-6664	91	16	their	their	PRON
easat-6664	91	17	own	own	ADJ
easat-6664	91	18	businesses	business	NOUN
easat-6664	91	19	,	,	PUNCT
easat-6664	91	20	thereby	thereby	ADV
easat-6664	91	21	reducing	reduce	VERB
easat-6664	91	22	unemployment	unemployment	NOUN
easat-6664	91	23	rates	rate	NOUN
easat-6664	91	24	.	.	PUNCT
easat-6664	92	1	fd	fd	PROPN
easat-6664	92	2	also	also	ADV
easat-6664	92	3	contributes	contribute	VERB
easat-6664	92	4	to	to	ADP
easat-6664	92	5	increasing	increase	VERB
easat-6664	92	6	job	job	NOUN
easat-6664	92	7	opportunities	opportunity	NOUN
easat-6664	92	8	by	by	ADP
easat-6664	92	9	fostering	foster	VERB
easat-6664	92	10	a	a	DET
easat-6664	92	11	more	more	ADV
easat-6664	92	12	dynamic	dynamic	ADJ
easat-6664	92	13	economic	economic	ADJ
easat-6664	92	14	environment	environment	NOUN
easat-6664	92	15	.	.	PUNCT
easat-6664	93	1	2.2	2.2	NUM
easat-6664	93	2	.	.	PUNCT
easat-6664	94	1	studies	study	NOUN
easat-6664	94	2	related	relate	VERB
easat-6664	94	3	to	to	ADP
easat-6664	94	4	the	the	DET
easat-6664	94	5	impact	impact	NOUN
easat-6664	94	6	of	of	ADP
easat-6664	94	7	dfi	dfi	PROPN
easat-6664	94	8	and	and	CCONJ
easat-6664	94	9	fd	fd	VERB
easat-6664	94	10	on	on	ADP
easat-6664	94	11	une	une	PROPN
easat-6664	94	12	amakor	amakor	PROPN
easat-6664	94	13	and	and	CCONJ
easat-6664	94	14	eneh	eneh	NOUN
easat-6664	94	15	[	[	X
easat-6664	94	16	20	20	NUM
easat-6664	94	17	]	]	PUNCT
easat-6664	94	18	examine	examine	VERB
easat-6664	94	19	the	the	DET
easat-6664	94	20	impact	impact	NOUN
easat-6664	94	21	of	of	ADP
easat-6664	94	22	financial	financial	ADJ
easat-6664	94	23	inclusion	inclusion	NOUN
easat-6664	94	24	on	on	ADP
easat-6664	94	25	unemployment	unemployment	NOUN
easat-6664	94	26	in	in	ADP
easat-6664	94	27	nigeria	nigeria	PROPN
easat-6664	94	28	from	from	ADP
easat-6664	94	29	1991	1991	NUM
easat-6664	94	30	to	to	ADP
easat-6664	94	31	2021	2021	NUM
easat-6664	94	32	.	.	PUNCT
easat-6664	95	1	using	use	VERB
easat-6664	95	2	the	the	DET
easat-6664	95	3	ardl	ardl	NOUN
easat-6664	95	4	method	method	NOUN
easat-6664	95	5	,	,	PUNCT
easat-6664	95	6	their	their	PRON
easat-6664	95	7	results	result	NOUN
easat-6664	95	8	show	show	VERB
easat-6664	95	9	that	that	SCONJ
easat-6664	95	10	the	the	DET
easat-6664	95	11	variables	variable	NOUN
easat-6664	95	12	affecting	affect	VERB
easat-6664	95	13	the	the	DET
easat-6664	95	14	unemployment	unemployment	NOUN
easat-6664	95	15	rate	rate	NOUN
easat-6664	95	16	are	be	AUX
easat-6664	95	17	statistically	statistically	ADV
easat-6664	95	18	significant	significant	ADJ
easat-6664	95	19	at	at	ADP
easat-6664	95	20	the	the	DET
easat-6664	95	21	5	5	NUM
easat-6664	95	22	%	%	NOUN
easat-6664	95	23	level	level	NOUN
easat-6664	95	24	.	.	PUNCT
easat-6664	96	1	their	their	PRON
easat-6664	96	2	study	study	NOUN
easat-6664	96	3	recommends	recommend	VERB
easat-6664	96	4	that	that	SCONJ
easat-6664	96	5	the	the	DET
easat-6664	96	6	government	government	NOUN
easat-6664	96	7	should	should	AUX
easat-6664	96	8	promote	promote	VERB
easat-6664	96	9	widespread	widespread	ADJ
easat-6664	96	10	financial	financial	ADJ
easat-6664	96	11	literacy	literacy	NOUN
easat-6664	96	12	to	to	PART
easat-6664	96	13	help	help	VERB
easat-6664	96	14	citizens	citizen	NOUN
easat-6664	96	15	access	access	VERB
easat-6664	96	16	the	the	DET
easat-6664	96	17	benefits	benefit	NOUN
easat-6664	96	18	of	of	ADP
easat-6664	96	19	financial	financial	ADJ
easat-6664	96	20	2866	2866	NUM
easat-6664	96	21	edelweiss	edelweiss	PROPN
easat-6664	96	22	applied	apply	VERB
easat-6664	96	23	science	science	NOUN
easat-6664	96	24	and	and	CCONJ
easat-6664	96	25	technology	technology	NOUN
easat-6664	96	26	issn	issn	PROPN
easat-6664	96	27	:	:	PUNCT
easat-6664	96	28	2576	2576	NUM
easat-6664	96	29	-	-	SYM
easat-6664	96	30	8484	8484	NUM
easat-6664	96	31	vol	vol	NOUN
easat-6664	96	32	.	.	PROPN
easat-6664	97	1	9	9	NUM
easat-6664	97	2	,	,	PUNCT
easat-6664	97	3	no	no	INTJ
easat-6664	97	4	.	.	NOUN
easat-6664	97	5	4	4	NUM
easat-6664	97	6	:	:	SYM
easat-6664	97	7	2862	2862	NUM
easat-6664	97	8	-	-	SYM
easat-6664	97	9	2876	2876	NUM
easat-6664	97	10	,	,	PUNCT
easat-6664	97	11	2025	2025	NUM
easat-6664	97	12	doi	doi	NOUN
easat-6664	97	13	:	:	PUNCT
easat-6664	97	14	10.55214/25768484.v9i4.6664	10.55214/25768484.v9i4.6664	NUM
easat-6664	97	15	©	©	PROPN
easat-6664	97	16	2025	2025	NUM
easat-6664	97	17	by	by	ADP
easat-6664	97	18	the	the	DET
easat-6664	97	19	authors	author	NOUN
easat-6664	97	20	;	;	PUNCT
easat-6664	97	21	licensee	licensee	PROPN
easat-6664	97	22	learning	learn	VERB
easat-6664	97	23	gate	gate	PROPN
easat-6664	97	24	services	service	NOUN
easat-6664	97	25	.	.	PUNCT
easat-6664	98	1	furthermore	furthermore	ADV
easat-6664	98	2	,	,	PUNCT
easat-6664	98	3	monetary	monetary	ADJ
easat-6664	98	4	authorities	authority	NOUN
easat-6664	98	5	should	should	AUX
easat-6664	98	6	enhance	enhance	VERB
easat-6664	98	7	their	their	PRON
easat-6664	98	8	role	role	NOUN
easat-6664	98	9	in	in	ADP
easat-6664	98	10	directing	direct	VERB
easat-6664	98	11	credit	credit	NOUN
easat-6664	98	12	and	and	CCONJ
easat-6664	98	13	lending	lending	NOUN
easat-6664	98	14	channels	channel	NOUN
easat-6664	98	15	toward	toward	ADP
easat-6664	98	16	the	the	DET
easat-6664	98	17	private	private	ADJ
easat-6664	98	18	sector	sector	NOUN
easat-6664	98	19	to	to	PART
easat-6664	98	20	harness	harness	VERB
easat-6664	98	21	the	the	DET
easat-6664	98	22	benefits	benefit	NOUN
easat-6664	98	23	of	of	ADP
easat-6664	98	24	financial	financial	ADJ
easat-6664	98	25	inclusion	inclusion	NOUN
easat-6664	98	26	.	.	PUNCT
easat-6664	99	1	sakanko	sakanko	PROPN
easat-6664	99	2	,	,	PUNCT
easat-6664	99	3	et	et	PROPN
easat-6664	99	4	al	al	PROPN
easat-6664	99	5	.	.	PUNCT
easat-6664	100	1	[	[	X
easat-6664	100	2	21	21	NUM
easat-6664	100	3	]	]	PUNCT
easat-6664	100	4	explore	explore	VERB
easat-6664	100	5	the	the	DET
easat-6664	100	6	impact	impact	NOUN
easat-6664	100	7	of	of	ADP
easat-6664	100	8	financial	financial	ADJ
easat-6664	100	9	inclusion	inclusion	NOUN
easat-6664	100	10	on	on	ADP
easat-6664	100	11	poverty	poverty	NOUN
easat-6664	100	12	reduction	reduction	NOUN
easat-6664	100	13	,	,	PUNCT
easat-6664	100	14	income	income	NOUN
easat-6664	100	15	inequality	inequality	NOUN
easat-6664	100	16	,	,	PUNCT
easat-6664	100	17	and	and	CCONJ
easat-6664	100	18	unemployment	unemployment	NOUN
easat-6664	100	19	in	in	ADP
easat-6664	100	20	nigeria	nigeria	PROPN
easat-6664	100	21	,	,	PUNCT
easat-6664	100	22	using	use	VERB
easat-6664	100	23	data	datum	NOUN
easat-6664	100	24	from	from	ADP
easat-6664	100	25	2007	2007	NUM
easat-6664	100	26	to	to	ADP
easat-6664	100	27	2018	2018	NUM
easat-6664	100	28	and	and	CCONJ
easat-6664	100	29	the	the	DET
easat-6664	100	30	ardl	ardl	NOUN
easat-6664	100	31	method	method	NOUN
easat-6664	100	32	.	.	PUNCT
easat-6664	101	1	their	their	PRON
easat-6664	101	2	results	result	NOUN
easat-6664	101	3	indicate	indicate	VERB
easat-6664	101	4	that	that	SCONJ
easat-6664	101	5	financial	financial	ADJ
easat-6664	101	6	inclusion	inclusion	NOUN
easat-6664	101	7	increases	increase	VERB
easat-6664	101	8	job	job	NOUN
easat-6664	101	9	opportunities	opportunity	NOUN
easat-6664	101	10	while	while	SCONJ
easat-6664	101	11	simultaneously	simultaneously	ADV
easat-6664	101	12	reducing	reduce	VERB
easat-6664	101	13	poverty	poverty	NOUN
easat-6664	101	14	in	in	ADP
easat-6664	101	15	nigeria	nigeria	PROPN
easat-6664	101	16	.	.	PUNCT
easat-6664	102	1	mehry	mehry	PROPN
easat-6664	102	2	,	,	PUNCT
easat-6664	102	3	et	et	PROPN
easat-6664	102	4	al	al	PROPN
easat-6664	102	5	.	.	PUNCT
easat-6664	103	1	[	[	X
easat-6664	103	2	22	22	NUM
easat-6664	103	3	]	]	PUNCT
easat-6664	103	4	investigate	investigate	VERB
easat-6664	103	5	the	the	DET
easat-6664	103	6	effects	effect	NOUN
easat-6664	103	7	of	of	ADP
easat-6664	103	8	financial	financial	ADJ
easat-6664	103	9	inclusion	inclusion	NOUN
easat-6664	103	10	on	on	ADP
easat-6664	103	11	unemployment	unemployment	NOUN
easat-6664	103	12	in	in	ADP
easat-6664	103	13	35	35	NUM
easat-6664	103	14	developing	develop	VERB
easat-6664	103	15	countries	country	NOUN
easat-6664	103	16	from	from	ADP
easat-6664	103	17	2009	2009	NUM
easat-6664	103	18	to	to	ADP
easat-6664	103	19	2018	2018	NUM
easat-6664	103	20	.	.	PUNCT
easat-6664	104	1	using	use	VERB
easat-6664	104	2	the	the	DET
easat-6664	104	3	gmm	gmm	NOUN
easat-6664	104	4	method	method	NOUN
easat-6664	104	5	,	,	PUNCT
easat-6664	104	6	they	they	PRON
easat-6664	104	7	found	find	VERB
easat-6664	104	8	that	that	SCONJ
easat-6664	104	9	financial	financial	ADJ
easat-6664	104	10	inclusion	inclusion	NOUN
easat-6664	104	11	reduces	reduce	VERB
easat-6664	104	12	unemployment	unemployment	NOUN
easat-6664	104	13	rates	rate	NOUN
easat-6664	104	14	in	in	ADP
easat-6664	104	15	these	these	DET
easat-6664	104	16	countries	country	NOUN
easat-6664	104	17	.	.	PUNCT
easat-6664	105	1	alshyab	alshyab	PROPN
easat-6664	105	2	,	,	PUNCT
easat-6664	105	3	et	et	PROPN
easat-6664	105	4	al	al	PROPN
easat-6664	105	5	.	.	PUNCT
easat-6664	106	1	[	[	X
easat-6664	106	2	23	23	NUM
easat-6664	106	3	]	]	PUNCT
easat-6664	106	4	focus	focus	NOUN
easat-6664	106	5	on	on	ADP
easat-6664	106	6	non	non	ADJ
easat-6664	106	7	-	-	ADJ
easat-6664	106	8	oil	oil	NOUN
easat-6664	106	9	-	-	PUNCT
easat-6664	106	10	exporting	export	VERB
easat-6664	106	11	arab	arab	ADJ
easat-6664	106	12	countries	country	NOUN
easat-6664	106	13	such	such	ADJ
easat-6664	106	14	as	as	ADP
easat-6664	106	15	egypt	egypt	PROPN
easat-6664	106	16	,	,	PUNCT
easat-6664	106	17	jordan	jordan	PROPN
easat-6664	106	18	,	,	PUNCT
easat-6664	106	19	lebanon	lebanon	PROPN
easat-6664	106	20	,	,	PUNCT
easat-6664	106	21	morocco	morocco	PROPN
easat-6664	106	22	,	,	PUNCT
easat-6664	106	23	and	and	CCONJ
easat-6664	106	24	tunisia	tunisia	NOUN
easat-6664	106	25	from	from	ADP
easat-6664	106	26	2008	2008	NUM
easat-6664	106	27	to	to	ADP
easat-6664	106	28	2018	2018	NUM
easat-6664	106	29	.	.	PUNCT
easat-6664	107	1	their	their	PRON
easat-6664	107	2	results	result	NOUN
easat-6664	107	3	from	from	ADP
easat-6664	107	4	a	a	DET
easat-6664	107	5	random	random	ADJ
easat-6664	107	6	effects	effect	NOUN
easat-6664	107	7	model	model	NOUN
easat-6664	107	8	reveal	reveal	VERB
easat-6664	107	9	a	a	DET
easat-6664	107	10	significant	significant	ADJ
easat-6664	107	11	negative	negative	ADJ
easat-6664	107	12	impact	impact	NOUN
easat-6664	107	13	of	of	ADP
easat-6664	107	14	both	both	CCONJ
easat-6664	107	15	financial	financial	ADJ
easat-6664	107	16	inclusion	inclusion	NOUN
easat-6664	107	17	and	and	CCONJ
easat-6664	107	18	real	real	ADJ
easat-6664	107	19	output	output	NOUN
easat-6664	107	20	growth	growth	NOUN
easat-6664	107	21	on	on	ADP
easat-6664	107	22	unemployment	unemployment	NOUN
easat-6664	107	23	.	.	PUNCT
easat-6664	108	1	williams	williams	PROPN
easat-6664	108	2	,	,	PUNCT
easat-6664	108	3	et	et	PROPN
easat-6664	108	4	al	al	PROPN
easat-6664	108	5	.	.	PUNCT
easat-6664	109	1	[	[	X
easat-6664	109	2	24	24	NUM
easat-6664	109	3	]	]	PUNCT
easat-6664	109	4	study	study	VERB
easat-6664	109	5	the	the	DET
easat-6664	109	6	impact	impact	NOUN
easat-6664	109	7	of	of	ADP
easat-6664	109	8	financial	financial	ADJ
easat-6664	109	9	inclusion	inclusion	NOUN
easat-6664	109	10	on	on	ADP
easat-6664	109	11	illiteracy	illiteracy	NOUN
easat-6664	109	12	and	and	CCONJ
easat-6664	109	13	unemployment	unemployment	NOUN
easat-6664	109	14	in	in	ADP
easat-6664	109	15	rural	rural	PROPN
easat-6664	109	16	nigeria	nigeria	PROPN
easat-6664	109	17	from	from	ADP
easat-6664	109	18	2017	2017	NUM
easat-6664	109	19	to	to	ADP
easat-6664	109	20	2022	2022	NUM
easat-6664	109	21	,	,	PUNCT
easat-6664	109	22	using	use	VERB
easat-6664	109	23	the	the	DET
easat-6664	109	24	ardl	ardl	NOUN
easat-6664	109	25	method	method	NOUN
easat-6664	109	26	.	.	PUNCT
easat-6664	110	1	they	they	PRON
easat-6664	110	2	found	find	VERB
easat-6664	110	3	that	that	SCONJ
easat-6664	110	4	higher	high	ADJ
easat-6664	110	5	illiteracy	illiteracy	NOUN
easat-6664	110	6	rates	rate	NOUN
easat-6664	110	7	are	be	AUX
easat-6664	110	8	associated	associate	VERB
easat-6664	110	9	with	with	ADP
easat-6664	110	10	lower	low	ADJ
easat-6664	110	11	financial	financial	ADJ
easat-6664	110	12	inclusion	inclusion	NOUN
easat-6664	110	13	and	and	CCONJ
easat-6664	110	14	higher	high	ADJ
easat-6664	110	15	unemployment	unemployment	NOUN
easat-6664	110	16	rates	rate	NOUN
easat-6664	110	17	.	.	PUNCT
easat-6664	111	1	their	their	PRON
easat-6664	111	2	findings	finding	NOUN
easat-6664	111	3	suggest	suggest	VERB
easat-6664	111	4	that	that	SCONJ
easat-6664	111	5	a	a	DET
easat-6664	111	6	decrease	decrease	NOUN
easat-6664	111	7	in	in	ADP
easat-6664	111	8	financial	financial	ADJ
easat-6664	111	9	service	service	NOUN
easat-6664	111	10	provision	provision	NOUN
easat-6664	111	11	in	in	ADP
easat-6664	111	12	developing	develop	VERB
easat-6664	111	13	countries	country	NOUN
easat-6664	111	14	contributes	contribute	VERB
easat-6664	111	15	to	to	ADP
easat-6664	111	16	illiteracy	illiteracy	NOUN
easat-6664	111	17	and	and	CCONJ
easat-6664	111	18	unemployment	unemployment	NOUN
easat-6664	111	19	.	.	PUNCT
easat-6664	112	1	they	they	PRON
easat-6664	112	2	conclude	conclude	VERB
easat-6664	112	3	that	that	SCONJ
easat-6664	112	4	improving	improve	VERB
easat-6664	112	5	education	education	NOUN
easat-6664	112	6	and	and	CCONJ
easat-6664	112	7	employment	employment	NOUN
easat-6664	112	8	rates	rate	NOUN
easat-6664	112	9	in	in	ADP
easat-6664	112	10	rural	rural	ADJ
easat-6664	112	11	areas	area	NOUN
easat-6664	112	12	is	be	AUX
easat-6664	112	13	essential	essential	ADJ
easat-6664	112	14	to	to	ADP
easat-6664	112	15	achieving	achieve	VERB
easat-6664	112	16	optimal	optimal	ADJ
easat-6664	112	17	financial	financial	ADJ
easat-6664	112	18	inclusion	inclusion	NOUN
easat-6664	112	19	of	of	ADP
easat-6664	112	20	products	product	NOUN
easat-6664	112	21	and	and	CCONJ
easat-6664	112	22	services	service	NOUN
easat-6664	112	23	.	.	PUNCT
easat-6664	113	1	okeke	okeke	ADJ
easat-6664	113	2	,	,	PUNCT
easat-6664	113	3	et	et	PROPN
easat-6664	113	4	al	al	PROPN
easat-6664	113	5	.	.	PUNCT
easat-6664	114	1	[	[	X
easat-6664	114	2	25	25	NUM
easat-6664	114	3	]	]	PUNCT
easat-6664	114	4	also	also	ADV
easat-6664	114	5	analyze	analyze	VERB
easat-6664	114	6	the	the	DET
easat-6664	114	7	impact	impact	NOUN
easat-6664	114	8	of	of	ADP
easat-6664	114	9	financial	financial	ADJ
easat-6664	114	10	inclusion	inclusion	NOUN
easat-6664	114	11	on	on	ADP
easat-6664	114	12	unemployment	unemployment	NOUN
easat-6664	114	13	in	in	ADP
easat-6664	114	14	nigeria	nigeria	PROPN
easat-6664	114	15	from	from	ADP
easat-6664	114	16	1991	1991	NUM
easat-6664	114	17	to	to	ADP
easat-6664	114	18	2021	2021	NUM
easat-6664	114	19	.	.	PUNCT
easat-6664	115	1	using	use	VERB
easat-6664	115	2	the	the	DET
easat-6664	115	3	ardl	ardl	NOUN
easat-6664	115	4	method	method	NOUN
easat-6664	115	5	,	,	PUNCT
easat-6664	115	6	they	they	PRON
easat-6664	115	7	find	find	VERB
easat-6664	115	8	a	a	DET
easat-6664	115	9	positive	positive	ADJ
easat-6664	115	10	short	short	ADJ
easat-6664	115	11	-	-	PUNCT
easat-6664	115	12	term	term	NOUN
easat-6664	115	13	relationship	relationship	NOUN
easat-6664	115	14	between	between	ADP
easat-6664	115	15	financial	financial	ADJ
easat-6664	115	16	inclusion	inclusion	NOUN
easat-6664	115	17	and	and	CCONJ
easat-6664	115	18	the	the	DET
easat-6664	115	19	unemployment	unemployment	NOUN
easat-6664	115	20	rate	rate	NOUN
easat-6664	115	21	.	.	PUNCT
easat-6664	116	1	recent	recent	ADJ
easat-6664	116	2	studies	study	NOUN
easat-6664	116	3	by	by	ADP
easat-6664	116	4	wibowo	wibowo	PROPN
easat-6664	116	5	,	,	PUNCT
easat-6664	116	6	et	et	PROPN
easat-6664	116	7	al	al	PROPN
easat-6664	116	8	.	.	PUNCT
easat-6664	117	1	[	[	X
easat-6664	117	2	26	26	NUM
easat-6664	117	3	]	]	PUNCT
easat-6664	117	4	and	and	CCONJ
easat-6664	117	5	wu	wu	PROPN
easat-6664	117	6	,	,	PUNCT
easat-6664	117	7	et	et	PROPN
easat-6664	117	8	al	al	PROPN
easat-6664	117	9	.	.	PUNCT
easat-6664	118	1	[	[	X
easat-6664	118	2	27	27	NUM
easat-6664	118	3	]	]	PUNCT
easat-6664	118	4	further	far	ADV
easat-6664	118	5	explore	explore	VERB
easat-6664	118	6	the	the	DET
easat-6664	118	7	relationship	relationship	NOUN
easat-6664	118	8	between	between	ADP
easat-6664	118	9	financial	financial	ADJ
easat-6664	118	10	inclusion	inclusion	NOUN
easat-6664	118	11	and	and	CCONJ
easat-6664	118	12	unemployment	unemployment	NOUN
easat-6664	118	13	,	,	PUNCT
easat-6664	118	14	contributing	contribute	VERB
easat-6664	118	15	additional	additional	ADJ
easat-6664	118	16	insights	insight	NOUN
easat-6664	118	17	into	into	ADP
easat-6664	118	18	the	the	DET
easat-6664	118	19	topic	topic	NOUN
easat-6664	118	20	.	.	PUNCT
easat-6664	119	1	the	the	DET
easat-6664	119	2	studies	study	NOUN
easat-6664	119	3	on	on	ADP
easat-6664	119	4	the	the	DET
easat-6664	119	5	impact	impact	NOUN
easat-6664	119	6	of	of	ADP
easat-6664	119	7	fd	fd	PROPN
easat-6664	119	8	on	on	ADP
easat-6664	119	9	unemployment	unemployment	NOUN
easat-6664	119	10	rates	rate	NOUN
easat-6664	119	11	reflect	reflect	VERB
easat-6664	119	12	a	a	DET
easat-6664	119	13	variety	variety	NOUN
easat-6664	119	14	of	of	ADP
easat-6664	119	15	perspectives	perspective	NOUN
easat-6664	119	16	and	and	CCONJ
easat-6664	119	17	methods	method	NOUN
easat-6664	119	18	.	.	PUNCT
easat-6664	120	1	çiftçioğlu	çiftçioğlu	NOUN
easat-6664	120	2	and	and	CCONJ
easat-6664	120	3	bein	bein	NOUN
easat-6664	120	4	[	[	X
easat-6664	120	5	28	28	NUM
easat-6664	120	6	]	]	PUNCT
easat-6664	120	7	explore	explore	VERB
easat-6664	120	8	the	the	DET
easat-6664	120	9	relationship	relationship	NOUN
easat-6664	120	10	between	between	ADP
easat-6664	120	11	financial	financial	ADJ
easat-6664	120	12	development	development	NOUN
easat-6664	120	13	and	and	CCONJ
easat-6664	120	14	unemployment	unemployment	NOUN
easat-6664	120	15	rates	rate	NOUN
easat-6664	120	16	in	in	ADP
easat-6664	120	17	10	10	NUM
easat-6664	120	18	eu	eu	PROPN
easat-6664	120	19	countries	country	NOUN
easat-6664	120	20	from	from	ADP
easat-6664	120	21	1991	1991	NUM
easat-6664	120	22	to	to	ADP
easat-6664	120	23	2012	2012	NUM
easat-6664	120	24	.	.	PUNCT
easat-6664	121	1	using	use	VERB
easat-6664	121	2	the	the	DET
easat-6664	121	3	granger	granger	PROPN
easat-6664	121	4	causality	causality	PROPN
easat-6664	121	5	test	test	NOUN
easat-6664	121	6	to	to	PART
easat-6664	121	7	examine	examine	VERB
easat-6664	121	8	the	the	DET
easat-6664	121	9	causal	causal	ADJ
easat-6664	121	10	relationship	relationship	NOUN
easat-6664	121	11	between	between	ADP
easat-6664	121	12	fd	fd	PROPN
easat-6664	121	13	and	and	CCONJ
easat-6664	121	14	unemployment	unemployment	NOUN
easat-6664	121	15	in	in	ADP
easat-6664	121	16	each	each	DET
easat-6664	121	17	country	country	NOUN
easat-6664	121	18	,	,	PUNCT
easat-6664	121	19	their	their	PRON
easat-6664	121	20	findings	finding	NOUN
easat-6664	121	21	show	show	VERB
easat-6664	121	22	a	a	DET
easat-6664	121	23	negative	negative	ADJ
easat-6664	121	24	correlation	correlation	NOUN
easat-6664	121	25	between	between	ADP
easat-6664	121	26	the	the	DET
easat-6664	121	27	two	two	NUM
easat-6664	121	28	.	.	PUNCT
easat-6664	122	1	this	this	PRON
easat-6664	122	2	implies	imply	VERB
easat-6664	122	3	that	that	SCONJ
easat-6664	122	4	higher	high	ADJ
easat-6664	122	5	financial	financial	ADJ
easat-6664	122	6	development	development	NOUN
easat-6664	122	7	is	be	AUX
easat-6664	122	8	associated	associate	VERB
easat-6664	122	9	with	with	ADP
easat-6664	122	10	lower	low	ADJ
easat-6664	122	11	unemployment	unemployment	NOUN
easat-6664	122	12	rates	rate	NOUN
easat-6664	122	13	in	in	ADP
easat-6664	122	14	these	these	DET
easat-6664	122	15	countries	country	NOUN
easat-6664	122	16	.	.	PUNCT
easat-6664	123	1	chen	chen	PROPN
easat-6664	123	2	,	,	PUNCT
easat-6664	123	3	et	et	PROPN
easat-6664	123	4	al	al	PROPN
easat-6664	123	5	.	.	PUNCT
easat-6664	124	1	[	[	X
easat-6664	124	2	29	29	NUM
easat-6664	124	3	]	]	PUNCT
easat-6664	124	4	use	use	NOUN
easat-6664	124	5	gmm	gmm	NOUN
easat-6664	124	6	estimation	estimation	NOUN
easat-6664	124	7	to	to	PART
easat-6664	124	8	analyze	analyze	VERB
easat-6664	124	9	97	97	NUM
easat-6664	124	10	oecd	oecd	NOUN
easat-6664	124	11	and	and	CCONJ
easat-6664	124	12	non	non	ADJ
easat-6664	124	13	-	-	ADJ
easat-6664	124	14	oecd	oecd	ADJ
easat-6664	124	15	countries	country	NOUN
easat-6664	124	16	from	from	ADP
easat-6664	124	17	1991	1991	NUM
easat-6664	124	18	to	to	ADP
easat-6664	124	19	2015	2015	NUM
easat-6664	124	20	.	.	PUNCT
easat-6664	125	1	their	their	PRON
easat-6664	125	2	study	study	NOUN
easat-6664	125	3	concludes	conclude	VERB
easat-6664	125	4	that	that	SCONJ
easat-6664	125	5	fd	fd	PROPN
easat-6664	125	6	exacerbates	exacerbate	VERB
easat-6664	125	7	unemployment	unemployment	NOUN
easat-6664	125	8	rates	rate	NOUN
easat-6664	125	9	,	,	PUNCT
easat-6664	125	10	suggesting	suggest	VERB
easat-6664	125	11	that	that	SCONJ
easat-6664	125	12	the	the	DET
easat-6664	125	13	relationship	relationship	NOUN
easat-6664	125	14	between	between	ADP
easat-6664	125	15	financial	financial	ADJ
easat-6664	125	16	development	development	NOUN
easat-6664	125	17	and	and	CCONJ
easat-6664	125	18	unemployment	unemployment	NOUN
easat-6664	125	19	may	may	AUX
easat-6664	125	20	not	not	PART
easat-6664	125	21	always	always	ADV
easat-6664	125	22	be	be	AUX
easat-6664	125	23	beneficial	beneficial	ADJ
easat-6664	125	24	.	.	PUNCT
easat-6664	126	1	nyasha	nyasha	PROPN
easat-6664	126	2	,	,	PUNCT
easat-6664	126	3	et	et	PROPN
easat-6664	126	4	al	al	PROPN
easat-6664	126	5	.	.	PUNCT
easat-6664	127	1	[	[	X
easat-6664	127	2	30	30	NUM
easat-6664	127	3	]	]	PUNCT
easat-6664	127	4	study	study	VERB
easat-6664	127	5	the	the	DET
easat-6664	127	6	impact	impact	NOUN
easat-6664	127	7	of	of	ADP
easat-6664	127	8	banking	banking	NOUN
easat-6664	127	9	development	development	NOUN
easat-6664	127	10	on	on	ADP
easat-6664	127	11	unemployment	unemployment	NOUN
easat-6664	127	12	in	in	ADP
easat-6664	127	13	kenya	kenya	PROPN
easat-6664	127	14	from	from	ADP
easat-6664	127	15	1991	1991	NUM
easat-6664	127	16	to	to	ADP
easat-6664	127	17	2019	2019	NUM
easat-6664	127	18	using	use	VERB
easat-6664	127	19	the	the	DET
easat-6664	127	20	ardl	ardl	NOUN
easat-6664	127	21	method	method	NOUN
easat-6664	127	22	.	.	PUNCT
easat-6664	128	1	their	their	PRON
easat-6664	128	2	results	result	NOUN
easat-6664	128	3	indicate	indicate	VERB
easat-6664	128	4	that	that	SCONJ
easat-6664	128	5	banking	banking	NOUN
easat-6664	128	6	development	development	NOUN
easat-6664	128	7	,	,	PUNCT
easat-6664	128	8	represented	represent	VERB
easat-6664	128	9	by	by	ADP
easat-6664	128	10	liquidity	liquidity	NOUN
easat-6664	128	11	loans	loan	NOUN
easat-6664	128	12	,	,	PUNCT
easat-6664	128	13	bank	bank	NOUN
easat-6664	128	14	deposits	deposit	NOUN
easat-6664	128	15	,	,	PUNCT
easat-6664	128	16	bank	bank	NOUN
easat-6664	128	17	assets	asset	NOUN
easat-6664	128	18	,	,	PUNCT
easat-6664	128	19	and	and	CCONJ
easat-6664	128	20	banking	banking	NOUN
easat-6664	128	21	development	development	PROPN
easat-6664	128	22	index	index	PROPN
easat-6664	128	23	,	,	PUNCT
easat-6664	128	24	has	have	VERB
easat-6664	128	25	a	a	DET
easat-6664	128	26	negative	negative	ADJ
easat-6664	128	27	impact	impact	NOUN
easat-6664	128	28	on	on	ADP
easat-6664	128	29	unemployment	unemployment	NOUN
easat-6664	128	30	in	in	ADP
easat-6664	128	31	kenya	kenya	PROPN
easat-6664	128	32	,	,	PUNCT
easat-6664	128	33	suggesting	suggest	VERB
easat-6664	128	34	that	that	SCONJ
easat-6664	128	35	better	well	ADJ
easat-6664	128	36	access	access	NOUN
easat-6664	128	37	to	to	ADP
easat-6664	128	38	banking	banking	NOUN
easat-6664	128	39	services	service	NOUN
easat-6664	128	40	helps	help	VERB
easat-6664	128	41	reduce	reduce	VERB
easat-6664	128	42	unemployment	unemployment	NOUN
easat-6664	128	43	.	.	PUNCT
easat-6664	129	1	raifu	raifu	NOUN
easat-6664	129	2	and	and	CCONJ
easat-6664	129	3	afolabi	afolabi	NOUN
easat-6664	129	4	[	[	X
easat-6664	129	5	31	31	NUM
easat-6664	129	6	]	]	PUNCT
easat-6664	129	7	investigate	investigate	VERB
easat-6664	129	8	the	the	DET
easat-6664	129	9	effect	effect	NOUN
easat-6664	129	10	of	of	ADP
easat-6664	129	11	fd	fd	PROPN
easat-6664	129	12	on	on	ADP
easat-6664	129	13	unemployment	unemployment	NOUN
easat-6664	129	14	in	in	ADP
easat-6664	129	15	19	19	NUM
easat-6664	129	16	emerging	emerge	VERB
easat-6664	129	17	market	market	NOUN
easat-6664	129	18	economies	economy	NOUN
easat-6664	129	19	between	between	ADP
easat-6664	129	20	1991	1991	NUM
easat-6664	129	21	and	and	CCONJ
easat-6664	129	22	2019	2019	NUM
easat-6664	129	23	.	.	PUNCT
easat-6664	130	1	using	use	VERB
easat-6664	130	2	ols	ol	NOUN
easat-6664	130	3	,	,	PUNCT
easat-6664	130	4	dynamic	dynamic	ADJ
easat-6664	130	5	ols	ol	NOUN
easat-6664	130	6	,	,	PUNCT
easat-6664	130	7	and	and	CCONJ
easat-6664	130	8	quantile	quantile	ADJ
easat-6664	130	9	regression	regression	NOUN
easat-6664	130	10	,	,	PUNCT
easat-6664	130	11	they	they	PRON
easat-6664	130	12	find	find	VERB
easat-6664	130	13	that	that	SCONJ
easat-6664	130	14	fd	fd	PROPN
easat-6664	130	15	reduces	reduce	VERB
easat-6664	130	16	unemployment	unemployment	NOUN
easat-6664	130	17	across	across	ADP
easat-6664	130	18	all	all	DET
easat-6664	130	19	age	age	NOUN
easat-6664	130	20	groups	group	NOUN
easat-6664	130	21	and	and	CCONJ
easat-6664	130	22	genders	gender	NOUN
easat-6664	130	23	.	.	PUNCT
easat-6664	131	1	their	their	PRON
easat-6664	131	2	results	result	NOUN
easat-6664	131	3	suggest	suggest	VERB
easat-6664	131	4	the	the	DET
easat-6664	131	5	need	need	NOUN
easat-6664	131	6	for	for	ADP
easat-6664	131	7	long	long	ADJ
easat-6664	131	8	-	-	PUNCT
easat-6664	131	9	term	term	NOUN
easat-6664	131	10	financial	financial	ADJ
easat-6664	131	11	policies	policy	NOUN
easat-6664	131	12	that	that	PRON
easat-6664	131	13	ensure	ensure	VERB
easat-6664	131	14	economic	economic	ADJ
easat-6664	131	15	growth	growth	NOUN
easat-6664	131	16	and	and	CCONJ
easat-6664	131	17	job	job	NOUN
easat-6664	131	18	creation	creation	NOUN
easat-6664	131	19	for	for	ADP
easat-6664	131	20	the	the	DET
easat-6664	131	21	working	work	VERB
easat-6664	131	22	-	-	PUNCT
easat-6664	131	23	age	age	NOUN
easat-6664	131	24	population	population	NOUN
easat-6664	131	25	and	and	CCONJ
easat-6664	131	26	youth	youth	NOUN
easat-6664	131	27	,	,	PUNCT
easat-6664	131	28	regardless	regardless	ADV
easat-6664	131	29	of	of	ADP
easat-6664	131	30	gender	gender	NOUN
easat-6664	131	31	.	.	PUNCT
easat-6664	132	1	raifu	raifu	PROPN
easat-6664	132	2	,	,	PUNCT
easat-6664	132	3	et	et	PROPN
easat-6664	132	4	al	al	PROPN
easat-6664	132	5	.	.	PUNCT
easat-6664	133	1	[	[	X
easat-6664	133	2	32	32	NUM
easat-6664	133	3	]	]	PUNCT
easat-6664	133	4	extend	extend	VERB
easat-6664	133	5	their	their	PRON
easat-6664	133	6	research	research	NOUN
easat-6664	133	7	to	to	ADP
easat-6664	133	8	the	the	DET
easat-6664	133	9	mena	mena	NOUN
easat-6664	133	10	(	(	PUNCT
easat-6664	133	11	middle	middle	PROPN
easat-6664	133	12	east	east	PROPN
easat-6664	133	13	and	and	CCONJ
easat-6664	133	14	north	north	PROPN
easat-6664	133	15	africa	africa	PROPN
easat-6664	133	16	)	)	PUNCT
easat-6664	133	17	region	region	NOUN
easat-6664	133	18	using	use	VERB
easat-6664	133	19	quantile	quantile	ADJ
easat-6664	133	20	panel	panel	NOUN
easat-6664	133	21	methods	method	NOUN
easat-6664	133	22	.	.	PUNCT
easat-6664	134	1	their	their	PRON
easat-6664	134	2	findings	finding	NOUN
easat-6664	134	3	show	show	VERB
easat-6664	134	4	that	that	SCONJ
easat-6664	134	5	fd	fd	PROPN
easat-6664	134	6	has	have	VERB
easat-6664	134	7	a	a	DET
easat-6664	134	8	significantly	significantly	ADV
easat-6664	134	9	negative	negative	ADJ
easat-6664	134	10	impact	impact	NOUN
easat-6664	134	11	on	on	ADP
easat-6664	134	12	unemployment	unemployment	NOUN
easat-6664	134	13	across	across	ADP
easat-6664	134	14	all	all	DET
easat-6664	134	15	quantiles	quantile	NOUN
easat-6664	134	16	,	,	PUNCT
easat-6664	134	17	indicating	indicate	VERB
easat-6664	134	18	a	a	DET
easat-6664	134	19	strong	strong	ADJ
easat-6664	134	20	and	and	CCONJ
easat-6664	134	21	consistent	consistent	ADJ
easat-6664	134	22	relationship	relationship	NOUN
easat-6664	134	23	between	between	ADP
easat-6664	134	24	financial	financial	ADJ
easat-6664	134	25	development	development	NOUN
easat-6664	134	26	and	and	CCONJ
easat-6664	134	27	reduced	reduce	VERB
easat-6664	134	28	unemployment	unemployment	NOUN
easat-6664	134	29	in	in	ADP
easat-6664	134	30	the	the	DET
easat-6664	134	31	mena	mena	PROPN
easat-6664	134	32	region	region	PROPN
easat-6664	134	33	.	.	PUNCT
easat-6664	135	1	through	through	ADP
easat-6664	135	2	the	the	DET
easat-6664	135	3	literature	literature	PROPN
easat-6664	135	4	review	review	PROPN
easat-6664	135	5	,	,	PUNCT
easat-6664	135	6	two	two	NUM
easat-6664	135	7	research	research	NOUN
easat-6664	135	8	gaps	gap	NOUN
easat-6664	135	9	can	can	AUX
easat-6664	135	10	be	be	AUX
easat-6664	135	11	identified	identify	VERB
easat-6664	135	12	:	:	PUNCT
easat-6664	135	13	first	first	ADV
easat-6664	135	14	,	,	PUNCT
easat-6664	135	15	no	no	DET
easat-6664	135	16	study	study	NOUN
easat-6664	135	17	to	to	ADP
easat-6664	135	18	date	date	NOUN
easat-6664	135	19	has	have	AUX
easat-6664	135	20	simultaneously	simultaneously	ADV
easat-6664	135	21	evaluated	evaluate	VERB
easat-6664	135	22	the	the	DET
easat-6664	135	23	combined	combine	VERB
easat-6664	135	24	impact	impact	NOUN
easat-6664	135	25	of	of	ADP
easat-6664	135	26	dfi	dfi	PROPN
easat-6664	135	27	and	and	CCONJ
easat-6664	135	28	fd	fd	VERB
easat-6664	135	29	on	on	ADP
easat-6664	135	30	unemployment	unemployment	NOUN
easat-6664	135	31	rates	rate	NOUN
easat-6664	135	32	.	.	PUNCT
easat-6664	136	1	previous	previous	ADJ
easat-6664	136	2	studies	study	NOUN
easat-6664	136	3	have	have	AUX
easat-6664	136	4	typically	typically	ADV
easat-6664	136	5	focused	focus	VERB
easat-6664	136	6	on	on	ADP
easat-6664	136	7	the	the	DET
easat-6664	136	8	isolated	isolated	ADJ
easat-6664	136	9	effects	effect	NOUN
easat-6664	136	10	of	of	ADP
easat-6664	136	11	either	either	CCONJ
easat-6664	136	12	dfi	dfi	PROPN
easat-6664	136	13	or	or	CCONJ
easat-6664	136	14	fd	fd	VERB
easat-6664	136	15	on	on	ADP
easat-6664	136	16	unemployment	unemployment	NOUN
easat-6664	136	17	,	,	PUNCT
easat-6664	136	18	without	without	ADP
easat-6664	136	19	exploring	explore	VERB
easat-6664	136	20	the	the	DET
easat-6664	136	21	interplay	interplay	NOUN
easat-6664	136	22	or	or	CCONJ
easat-6664	136	23	joint	joint	ADJ
easat-6664	136	24	influence	influence	NOUN
easat-6664	136	25	of	of	ADP
easat-6664	136	26	these	these	DET
easat-6664	136	27	two	two	NUM
easat-6664	136	28	factors	factor	NOUN
easat-6664	136	29	.	.	PUNCT
easat-6664	137	1	this	this	PRON
easat-6664	137	2	leaves	leave	VERB
easat-6664	137	3	a	a	DET
easat-6664	137	4	significant	significant	ADJ
easat-6664	137	5	gap	gap	NOUN
easat-6664	137	6	in	in	ADP
easat-6664	137	7	understanding	understanding	NOUN
easat-6664	137	8	how	how	SCONJ
easat-6664	137	9	dfi	dfi	PROPN
easat-6664	137	10	and	and	CCONJ
easat-6664	137	11	fd	fd	PROPN
easat-6664	137	12	,	,	PUNCT
easat-6664	137	13	when	when	SCONJ
easat-6664	137	14	considered	consider	VERB
easat-6664	137	15	together	together	ADV
easat-6664	137	16	,	,	PUNCT
easat-6664	137	17	contribute	contribute	VERB
easat-6664	137	18	to	to	ADP
easat-6664	137	19	addressing	address	VERB
easat-6664	137	20	unemployment	unemployment	NOUN
easat-6664	137	21	.	.	PUNCT
easat-6664	138	1	second	second	ADJ
easat-6664	138	2	,	,	PUNCT
easat-6664	138	3	unlike	unlike	ADP
easat-6664	138	4	previous	previous	ADJ
easat-6664	138	5	studies	study	NOUN
easat-6664	138	6	that	that	PRON
easat-6664	138	7	predominantly	predominantly	ADV
easat-6664	138	8	employed	employ	VERB
easat-6664	138	9	traditional	traditional	ADJ
easat-6664	138	10	frequency	frequency	NOUN
easat-6664	138	11	-	-	PUNCT
easat-6664	138	12	based	base	VERB
easat-6664	138	13	methods	method	NOUN
easat-6664	138	14	,	,	PUNCT
easat-6664	138	15	this	this	DET
easat-6664	138	16	research	research	NOUN
easat-6664	138	17	aims	aim	VERB
easat-6664	138	18	to	to	PART
easat-6664	138	19	reassess	reassess	VERB
easat-6664	138	20	the	the	DET
easat-6664	138	21	impact	impact	NOUN
easat-6664	138	22	of	of	ADP
easat-6664	138	23	dfi	dfi	PROPN
easat-6664	138	24	and	and	CCONJ
easat-6664	138	25	fd	fd	VERB
easat-6664	138	26	on	on	ADP
easat-6664	138	27	unemployment	unemployment	NOUN
easat-6664	138	28	rates	rate	NOUN
easat-6664	138	29	through	through	ADP
easat-6664	138	30	the	the	DET
easat-6664	138	31	bayesian	bayesian	NOUN
easat-6664	138	32	2867	2867	NUM
easat-6664	138	33	edelweiss	edelweiss	PROPN
easat-6664	138	34	applied	apply	VERB
easat-6664	138	35	science	science	NOUN
easat-6664	138	36	and	and	CCONJ
easat-6664	138	37	technology	technology	NOUN
easat-6664	138	38	issn	issn	PROPN
easat-6664	138	39	:	:	PUNCT
easat-6664	138	40	2576	2576	NUM
easat-6664	138	41	-	-	SYM
easat-6664	138	42	8484	8484	NUM
easat-6664	138	43	vol	vol	NOUN
easat-6664	138	44	.	.	PROPN
easat-6664	139	1	9	9	NUM
easat-6664	139	2	,	,	PUNCT
easat-6664	139	3	no	no	INTJ
easat-6664	139	4	.	.	NOUN
easat-6664	139	5	4	4	NUM
easat-6664	139	6	:	:	SYM
easat-6664	139	7	2862	2862	NUM
easat-6664	139	8	-	-	SYM
easat-6664	139	9	2876	2876	NUM
easat-6664	139	10	,	,	PUNCT
easat-6664	139	11	2025	2025	NUM
easat-6664	139	12	doi	doi	NOUN
easat-6664	139	13	:	:	PUNCT
easat-6664	139	14	10.55214/25768484.v9i4.6664	10.55214/25768484.v9i4.6664	NUM
easat-6664	139	15	©	©	PROPN
easat-6664	139	16	2025	2025	NUM
easat-6664	139	17	by	by	ADP
easat-6664	139	18	the	the	DET
easat-6664	139	19	authors	author	NOUN
easat-6664	139	20	;	;	PUNCT
easat-6664	139	21	licensee	licensee	PROPN
easat-6664	139	22	learning	learning	PROPN
easat-6664	139	23	gate	gate	PROPN
easat-6664	139	24	quantile	quantile	PROPN
easat-6664	139	25	regression	regression	NOUN
easat-6664	139	26	approach	approach	NOUN
easat-6664	139	27	(	(	PUNCT
easat-6664	139	28	probability	probability	NOUN
easat-6664	139	29	-	-	PUNCT
easat-6664	139	30	based	base	VERB
easat-6664	139	31	perspective	perspective	NOUN
easat-6664	139	32	)	)	PUNCT
easat-6664	139	33	.	.	PUNCT
easat-6664	140	1	bayesian	bayesian	NOUN
easat-6664	140	2	quantile	quantile	ADJ
easat-6664	140	3	regression	regression	NOUN
easat-6664	140	4	techniques	technique	NOUN
easat-6664	140	5	enable	enable	VERB
easat-6664	140	6	researchers	researcher	NOUN
easat-6664	140	7	to	to	PART
easat-6664	140	8	analyze	analyze	VERB
easat-6664	140	9	the	the	DET
easat-6664	140	10	effects	effect	NOUN
easat-6664	140	11	of	of	ADP
easat-6664	140	12	dfi	dfi	PROPN
easat-6664	140	13	and	and	CCONJ
easat-6664	140	14	fd	fd	X
easat-6664	140	15	at	at	ADP
easat-6664	140	16	different	different	ADJ
easat-6664	140	17	points	point	NOUN
easat-6664	140	18	in	in	ADP
easat-6664	140	19	the	the	DET
easat-6664	140	20	unemployment	unemployment	NOUN
easat-6664	140	21	distribution	distribution	NOUN
easat-6664	140	22	,	,	PUNCT
easat-6664	140	23	shedding	shed	VERB
easat-6664	140	24	light	light	NOUN
easat-6664	140	25	on	on	ADP
easat-6664	140	26	the	the	DET
easat-6664	140	27	nonlinear	nonlinear	ADJ
easat-6664	140	28	impacts	impact	NOUN
easat-6664	140	29	of	of	ADP
easat-6664	140	30	dfi	dfi	PROPN
easat-6664	140	31	and	and	CCONJ
easat-6664	140	32	fd	fd	VERB
easat-6664	140	33	on	on	ADP
easat-6664	140	34	unemployment	unemployment	NOUN
easat-6664	140	35	dynamics	dynamic	NOUN
easat-6664	140	36	.	.	PUNCT
easat-6664	141	1	one	one	NUM
easat-6664	141	2	notable	notable	ADJ
easat-6664	141	3	challenge	challenge	NOUN
easat-6664	141	4	in	in	ADP
easat-6664	141	5	evaluating	evaluate	VERB
easat-6664	141	6	the	the	DET
easat-6664	141	7	joint	joint	ADJ
easat-6664	141	8	influence	influence	NOUN
easat-6664	141	9	of	of	ADP
easat-6664	141	10	dfi	dfi	PROPN
easat-6664	141	11	and	and	CCONJ
easat-6664	141	12	fd	fd	VERB
easat-6664	141	13	on	on	ADP
easat-6664	141	14	unemployment	unemployment	NOUN
easat-6664	141	15	lies	lie	VERB
easat-6664	141	16	in	in	ADP
easat-6664	141	17	their	their	PRON
easat-6664	141	18	high	high	ADJ
easat-6664	141	19	correlation	correlation	NOUN
easat-6664	141	20	,	,	PUNCT
easat-6664	141	21	which	which	PRON
easat-6664	141	22	often	often	ADV
easat-6664	141	23	leads	lead	VERB
easat-6664	141	24	to	to	ADP
easat-6664	141	25	multicollinearity	multicollinearity	NOUN
easat-6664	141	26	issues	issue	NOUN
easat-6664	141	27	.	.	PUNCT
easat-6664	142	1	this	this	PRON
easat-6664	142	2	may	may	AUX
easat-6664	142	3	explain	explain	VERB
easat-6664	142	4	why	why	SCONJ
easat-6664	142	5	prior	prior	ADJ
easat-6664	142	6	studies	study	NOUN
easat-6664	142	7	have	have	AUX
easat-6664	142	8	rarely	rarely	ADV
easat-6664	142	9	explored	explore	VERB
easat-6664	142	10	the	the	DET
easat-6664	142	11	combined	combine	VERB
easat-6664	142	12	effects	effect	NOUN
easat-6664	142	13	of	of	ADP
easat-6664	142	14	these	these	DET
easat-6664	142	15	variables	variable	NOUN
easat-6664	142	16	.	.	PUNCT
easat-6664	143	1	however	however	ADV
easat-6664	143	2	,	,	PUNCT
easat-6664	143	3	bayesian	bayesian	NOUN
easat-6664	143	4	quantile	quantile	ADJ
easat-6664	143	5	regression	regression	NOUN
easat-6664	143	6	offers	offer	VERB
easat-6664	143	7	a	a	DET
easat-6664	143	8	robust	robust	ADJ
easat-6664	143	9	solution	solution	NOUN
easat-6664	143	10	to	to	ADP
easat-6664	143	11	such	such	ADJ
easat-6664	143	12	challenges	challenge	NOUN
easat-6664	143	13	by	by	ADP
easat-6664	143	14	addressing	address	VERB
easat-6664	143	15	issues	issue	NOUN
easat-6664	143	16	of	of	ADP
easat-6664	143	17	endogeneity	endogeneity	NOUN
easat-6664	143	18	and	and	CCONJ
easat-6664	143	19	multicollinearity	multicollinearity	NOUN
easat-6664	143	20	[	[	X
easat-6664	143	21	14	14	NUM
easat-6664	143	22	]	]	PUNCT
easat-6664	143	23	.	.	PUNCT
easat-6664	144	1	this	this	DET
easat-6664	144	2	approach	approach	NOUN
easat-6664	144	3	provides	provide	VERB
easat-6664	144	4	a	a	DET
easat-6664	144	5	more	more	ADV
easat-6664	144	6	nuanced	nuanced	ADJ
easat-6664	144	7	understanding	understanding	NOUN
easat-6664	144	8	of	of	ADP
easat-6664	144	9	how	how	SCONJ
easat-6664	144	10	dfi	dfi	PROPN
easat-6664	144	11	and	and	CCONJ
easat-6664	144	12	fd	fd	PROPN
easat-6664	144	13	interact	interact	VERB
easat-6664	144	14	across	across	ADP
easat-6664	144	15	varying	vary	VERB
easat-6664	144	16	unemployment	unemployment	NOUN
easat-6664	144	17	contexts	contexts	NOUN
easat-6664	144	18	,	,	PUNCT
easat-6664	144	19	paving	pave	VERB
easat-6664	144	20	the	the	DET
easat-6664	144	21	way	way	NOUN
easat-6664	144	22	for	for	ADP
easat-6664	144	23	more	more	ADV
easat-6664	144	24	effective	effective	ADJ
easat-6664	144	25	policy	policy	NOUN
easat-6664	144	26	recommendations	recommendation	NOUN
easat-6664	144	27	.	.	PUNCT
easat-6664	145	1	3	3	X
easat-6664	145	2	.	.	X
easat-6664	145	3	research	research	NOUN
easat-6664	145	4	methodology	methodology	NOUN
easat-6664	145	5	3.1	3.1	NUM
easat-6664	145	6	.	.	PUNCT
easat-6664	146	1	data	datum	NOUN
easat-6664	146	2	and	and	CCONJ
easat-6664	146	3	sample	sample	VERB
easat-6664	146	4	the	the	DET
easat-6664	146	5	countries	country	NOUN
easat-6664	146	6	were	be	AUX
easat-6664	146	7	selected	select	VERB
easat-6664	146	8	based	base	VERB
easat-6664	146	9	on	on	ADP
easat-6664	146	10	data	datum	NOUN
easat-6664	146	11	availability	availability	NOUN
easat-6664	146	12	.	.	PUNCT
easat-6664	147	1	the	the	DET
easat-6664	147	2	research	research	NOUN
easat-6664	147	3	data	datum	NOUN
easat-6664	147	4	were	be	AUX
easat-6664	147	5	collected	collect	VERB
easat-6664	147	6	from	from	ADP
easat-6664	147	7	three	three	NUM
easat-6664	147	8	primary	primary	ADJ
easat-6664	147	9	sources	source	NOUN
easat-6664	147	10	:	:	PUNCT
easat-6664	147	11	the	the	DET
easat-6664	147	12	world	world	NOUN
easat-6664	147	13	development	development	NOUN
easat-6664	147	14	indicators	indicator	NOUN
easat-6664	147	15	index	index	NOUN
easat-6664	147	16	from	from	ADP
easat-6664	147	17	world	world	PROPN
easat-6664	147	18	bank	bank	PROPN
easat-6664	147	19	(	(	PUNCT
easat-6664	147	20	wb	wb	PROPN
easat-6664	147	21	)	)	PUNCT
easat-6664	147	22	and	and	CCONJ
easat-6664	147	23	the	the	DET
easat-6664	147	24	financial	financial	ADJ
easat-6664	147	25	access	access	NOUN
easat-6664	147	26	survey	survey	NOUN
easat-6664	147	27	from	from	ADP
easat-6664	147	28	the	the	DET
easat-6664	147	29	international	international	ADJ
easat-6664	147	30	monetary	monetary	ADJ
easat-6664	147	31	fund	fund	NOUN
easat-6664	147	32	(	(	PUNCT
easat-6664	147	33	imf	imf	PROPN
easat-6664	147	34	)	)	PUNCT
easat-6664	147	35	.	.	PUNCT
easat-6664	148	1	the	the	DET
easat-6664	148	2	final	final	ADJ
easat-6664	148	3	sample	sample	NOUN
easat-6664	148	4	consists	consist	VERB
easat-6664	148	5	of	of	ADP
easat-6664	148	6	a	a	DET
easat-6664	148	7	balanced	balanced	ADJ
easat-6664	148	8	panel	panel	NOUN
easat-6664	148	9	of	of	ADP
easat-6664	148	10	112	112	NUM
easat-6664	148	11	countries	country	NOUN
easat-6664	148	12	covering	cover	VERB
easat-6664	148	13	the	the	DET
easat-6664	148	14	period	period	NOUN
easat-6664	148	15	from	from	ADP
easat-6664	148	16	2004	2004	NUM
easat-6664	148	17	to	to	ADP
easat-6664	148	18	2021	2021	NUM
easat-6664	148	19	.	.	PUNCT
easat-6664	149	1	the	the	DET
easat-6664	149	2	definitions	definition	NOUN
easat-6664	149	3	and	and	CCONJ
easat-6664	149	4	measurements	measurement	NOUN
easat-6664	149	5	of	of	ADP
easat-6664	149	6	all	all	DET
easat-6664	149	7	variables	variable	NOUN
easat-6664	149	8	are	be	AUX
easat-6664	149	9	presented	present	VERB
easat-6664	149	10	in	in	ADP
easat-6664	149	11	appendix	appendix	NOUN
easat-6664	149	12	1	1	NUM
easat-6664	149	13	.	.	NOUN
easat-6664	149	14	3.2	3.2	NUM
easat-6664	149	15	.	.	PUNCT
easat-6664	150	1	variable	variable	ADJ
easat-6664	150	2	justification	justification	NOUN
easat-6664	150	3	the	the	DET
easat-6664	150	4	unemployment	unemployment	NOUN
easat-6664	150	5	rate	rate	NOUN
easat-6664	150	6	(	(	PUNCT
easat-6664	150	7	une	une	PROPN
easat-6664	150	8	)	)	PUNCT
easat-6664	150	9	is	be	AUX
easat-6664	150	10	an	an	DET
easat-6664	150	11	appropriate	appropriate	ADJ
easat-6664	150	12	and	and	CCONJ
easat-6664	150	13	widely	widely	ADV
easat-6664	150	14	accepted	accept	VERB
easat-6664	150	15	measure	measure	NOUN
easat-6664	150	16	for	for	ADP
easat-6664	150	17	capturing	capture	VERB
easat-6664	150	18	the	the	DET
easat-6664	150	19	extent	extent	NOUN
easat-6664	150	20	of	of	ADP
easat-6664	150	21	unemployment	unemployment	NOUN
easat-6664	150	22	within	within	ADP
easat-6664	150	23	an	an	DET
easat-6664	150	24	economy	economy	NOUN
easat-6664	150	25	.	.	PUNCT
easat-6664	151	1	it	it	PRON
easat-6664	151	2	is	be	AUX
easat-6664	151	3	calculated	calculate	VERB
easat-6664	151	4	as	as	ADP
easat-6664	151	5	the	the	DET
easat-6664	151	6	percentage	percentage	NOUN
easat-6664	151	7	of	of	ADP
easat-6664	151	8	the	the	DET
easat-6664	151	9	labor	labor	NOUN
easat-6664	151	10	force	force	NOUN
easat-6664	151	11	that	that	PRON
easat-6664	151	12	is	be	AUX
easat-6664	151	13	actively	actively	ADV
easat-6664	151	14	seeking	seek	VERB
easat-6664	151	15	but	but	CCONJ
easat-6664	151	16	unable	unable	ADJ
easat-6664	151	17	to	to	PART
easat-6664	151	18	find	find	VERB
easat-6664	151	19	employment	employment	NOUN
easat-6664	151	20	,	,	PUNCT
easat-6664	151	21	making	make	VERB
easat-6664	151	22	it	it	PRON
easat-6664	151	23	a	a	DET
easat-6664	151	24	direct	direct	ADJ
easat-6664	151	25	and	and	CCONJ
easat-6664	151	26	straightforward	straightforward	ADJ
easat-6664	151	27	indicator	indicator	NOUN
easat-6664	151	28	of	of	ADP
easat-6664	151	29	labor	labor	NOUN
easat-6664	151	30	market	market	NOUN
easat-6664	151	31	health	health	NOUN
easat-6664	151	32	.	.	PUNCT
easat-6664	152	1	this	this	DET
easat-6664	152	2	variable	variable	NOUN
easat-6664	152	3	has	have	AUX
easat-6664	152	4	been	be	AUX
easat-6664	152	5	utilized	utilize	VERB
easat-6664	152	6	in	in	ADP
easat-6664	152	7	prior	prior	ADJ
easat-6664	152	8	studies	study	NOUN
easat-6664	152	9	,	,	PUNCT
easat-6664	152	10	such	such	ADJ
easat-6664	152	11	as	as	ADP
easat-6664	152	12	amakor	amakor	ADJ
easat-6664	152	13	and	and	CCONJ
easat-6664	152	14	eneh	eneh	NOUN
easat-6664	153	1	[	[	X
easat-6664	153	2	20	20	NUM
easat-6664	153	3	]	]	PUNCT
easat-6664	153	4	and	and	CCONJ
easat-6664	153	5	alshyab	alshyab	NOUN
easat-6664	153	6	,	,	PUNCT
easat-6664	153	7	et	et	PROPN
easat-6664	153	8	al	al	PROPN
easat-6664	153	9	.	.	PUNCT
easat-6664	154	1	[	[	X
easat-6664	154	2	23	23	NUM
easat-6664	154	3	]	]	PUNCT
easat-6664	154	4	further	far	ADV
easat-6664	154	5	validating	validate	VERB
easat-6664	154	6	its	its	PRON
easat-6664	154	7	relevance	relevance	NOUN
easat-6664	154	8	and	and	CCONJ
easat-6664	154	9	reliability	reliability	NOUN
easat-6664	154	10	as	as	ADP
easat-6664	154	11	a	a	DET
easat-6664	154	12	measure	measure	NOUN
easat-6664	154	13	in	in	ADP
easat-6664	154	14	research	research	NOUN
easat-6664	154	15	on	on	ADP
easat-6664	154	16	labor	labor	NOUN
easat-6664	154	17	market	market	NOUN
easat-6664	154	18	dynamics	dynamic	NOUN
easat-6664	154	19	.	.	PUNCT
easat-6664	155	1	in	in	ADP
easat-6664	155	2	prior	prior	ADJ
easat-6664	155	3	studies	study	NOUN
easat-6664	155	4	,	,	PUNCT
easat-6664	155	5	the	the	DET
easat-6664	155	6	measurement	measurement	NOUN
easat-6664	155	7	of	of	ADP
easat-6664	155	8	dfi	dfi	PROPN
easat-6664	155	9	has	have	AUX
easat-6664	155	10	varied	vary	VERB
easat-6664	155	11	significantly	significantly	ADV
easat-6664	155	12	.	.	PUNCT
easat-6664	156	1	nonetheless	nonetheless	ADV
easat-6664	156	2	,	,	PUNCT
easat-6664	156	3	the	the	DET
easat-6664	156	4	consensus	consensus	NOUN
easat-6664	156	5	is	be	AUX
easat-6664	156	6	that	that	SCONJ
easat-6664	156	7	dfi	dfi	PROPN
easat-6664	156	8	can	can	AUX
easat-6664	156	9	not	not	PART
easat-6664	156	10	be	be	AUX
easat-6664	156	11	adequately	adequately	ADV
easat-6664	156	12	represented	represent	VERB
easat-6664	156	13	by	by	ADP
easat-6664	156	14	a	a	DET
easat-6664	156	15	single	single	ADJ
easat-6664	156	16	variable	variable	NOUN
easat-6664	156	17	but	but	CCONJ
easat-6664	156	18	requires	require	VERB
easat-6664	156	19	a	a	DET
easat-6664	156	20	composite	composite	NOUN
easat-6664	156	21	of	of	ADP
easat-6664	156	22	indicators	indicator	NOUN
easat-6664	156	23	reflecting	reflect	VERB
easat-6664	156	24	the	the	DET
easat-6664	156	25	breadth	breadth	NOUN
easat-6664	156	26	of	of	ADP
easat-6664	156	27	financial	financial	ADJ
easat-6664	156	28	access	access	NOUN
easat-6664	156	29	expansion	expansion	NOUN
easat-6664	157	1	[	[	X
easat-6664	157	2	33	33	NUM
easat-6664	157	3	]	]	PUNCT
easat-6664	157	4	.	.	PUNCT
easat-6664	158	1	drawing	draw	VERB
easat-6664	158	2	on	on	ADP
easat-6664	158	3	previous	previous	ADJ
easat-6664	158	4	research	research	NOUN
easat-6664	158	5	,	,	PUNCT
easat-6664	158	6	including	include	VERB
easat-6664	158	7	oanh	oanh	ADV
easat-6664	158	8	and	and	CCONJ
easat-6664	158	9	dinh	dinh	VERB
easat-6664	159	1	[	[	X
easat-6664	159	2	6	6	NUM
easat-6664	159	3	]	]	PUNCT
easat-6664	159	4	;	;	PUNCT
easat-6664	159	5	quoc	quoc	PROPN
easat-6664	159	6	,	,	PUNCT
easat-6664	159	7	et	et	PROPN
easat-6664	159	8	al	al	PROPN
easat-6664	159	9	.	.	PUNCT
easat-6664	160	1	[	[	X
easat-6664	160	2	11	11	NUM
easat-6664	160	3	]	]	PUNCT
easat-6664	160	4	and	and	CCONJ
easat-6664	160	5	dinh	dinh	NOUN
easat-6664	160	6	,	,	PUNCT
easat-6664	160	7	et	et	PROPN
easat-6664	160	8	al	al	PROPN
easat-6664	160	9	.	.	PUNCT
easat-6664	161	1	[	[	X
easat-6664	161	2	10	10	NUM
easat-6664	161	3	]	]	PUNCT
easat-6664	161	4	this	this	DET
easat-6664	161	5	study	study	NOUN
easat-6664	161	6	develops	develop	VERB
easat-6664	161	7	a	a	DET
easat-6664	161	8	dfi	dfi	PROPN
easat-6664	161	9	measure	measure	NOUN
easat-6664	161	10	encompassing	encompass	VERB
easat-6664	161	11	the	the	DET
easat-6664	161	12	following	follow	VERB
easat-6664	161	13	eight	eight	NUM
easat-6664	161	14	components	component	NOUN
easat-6664	161	15	:	:	PUNCT
easat-6664	161	16	the	the	DET
easat-6664	161	17	number	number	NOUN
easat-6664	161	18	of	of	ADP
easat-6664	161	19	bank	bank	NOUN
easat-6664	161	20	branches	branch	NOUN
easat-6664	161	21	(	(	PUNCT
easat-6664	161	22	bra	bra	NOUN
easat-6664	161	23	)	)	PUNCT
easat-6664	161	24	;	;	PUNCT
easat-6664	161	25	the	the	DET
easat-6664	161	26	number	number	NOUN
easat-6664	161	27	of	of	ADP
easat-6664	161	28	atms	atms	PROPN
easat-6664	161	29	(	(	PUNCT
easat-6664	161	30	atm	atm	PROPN
easat-6664	161	31	)	)	PUNCT
easat-6664	161	32	;	;	PUNCT
easat-6664	161	33	the	the	DET
easat-6664	161	34	outstanding	outstanding	ADJ
easat-6664	161	35	balance	balance	NOUN
easat-6664	161	36	,	,	PUNCT
easat-6664	161	37	including	include	VERB
easat-6664	161	38	loans	loan	NOUN
easat-6664	161	39	from	from	ADP
easat-6664	161	40	commercial	commercial	ADJ
easat-6664	161	41	banks	bank	NOUN
easat-6664	161	42	(	(	PUNCT
easat-6664	161	43	olb	olb	PROPN
easat-6664	161	44	)	)	PUNCT
easat-6664	161	45	and	and	CCONJ
easat-6664	161	46	deposits	deposit	NOUN
easat-6664	161	47	at	at	ADP
easat-6664	161	48	commercial	commercial	ADJ
easat-6664	161	49	banks	bank	NOUN
easat-6664	161	50	(	(	PUNCT
easat-6664	161	51	odb	odb	PROPN
easat-6664	161	52	)	)	PUNCT
easat-6664	161	53	;	;	PUNCT
easat-6664	161	54	mobile	mobile	ADJ
easat-6664	161	55	cellular	cellular	ADJ
easat-6664	161	56	subscriptions	subscription	NOUN
easat-6664	161	57	(	(	PUNCT
easat-6664	161	58	mcs	mcs	PROPN
easat-6664	161	59	)	)	PUNCT
easat-6664	161	60	;	;	PUNCT
easat-6664	161	61	fixed	fix	VERB
easat-6664	161	62	broadband	broadband	NOUN
easat-6664	161	63	subscriptions	subscription	NOUN
easat-6664	161	64	(	(	PUNCT
easat-6664	161	65	fbs	fbs	PROPN
easat-6664	161	66	)	)	PUNCT
easat-6664	161	67	;	;	PUNCT
easat-6664	161	68	and	and	CCONJ
easat-6664	161	69	the	the	DET
easat-6664	161	70	proportion	proportion	NOUN
easat-6664	161	71	of	of	ADP
easat-6664	161	72	individuals	individual	NOUN
easat-6664	161	73	using	use	VERB
easat-6664	161	74	the	the	DET
easat-6664	161	75	internet	internet	NOUN
easat-6664	161	76	(	(	PUNCT
easat-6664	161	77	int	int	NOUN
easat-6664	161	78	)	)	PUNCT
easat-6664	161	79	.	.	PUNCT
easat-6664	162	1	𝐷𝐹𝐼	𝐷𝐹𝐼	PROPN
easat-6664	162	2	=	=	PUNCT
easat-6664	163	1	𝑊1𝐵𝑅𝐴	𝑊1𝐵𝑅𝐴	PROPN
easat-6664	163	2	+	+	NUM
easat-6664	163	3	𝑊2𝐴𝑇𝑀2	𝑊2𝐴𝑇𝑀2	PROPN
easat-6664	163	4	+	+	CCONJ
easat-6664	163	5	𝑊3𝑂𝐿𝐵	𝑊3𝑂𝐿𝐵	PROPN
easat-6664	163	6	+	+	CCONJ
easat-6664	163	7	𝑊4𝑂𝐷𝐵	𝑊4𝑂𝐷𝐵	PROPN
easat-6664	163	8	+	+	CCONJ
easat-6664	163	9	𝑊5𝑀𝐶𝑆	𝑊5𝑀𝐶𝑆	PROPN
easat-6664	163	10	+	+	CCONJ
easat-6664	163	11	𝑊6𝐹𝐵𝑆	𝑊6𝐹𝐵𝑆	PROPN
easat-6664	163	12	+	+	CCONJ
easat-6664	163	13	𝑊7𝐼𝑁𝑇	𝑊7𝐼𝑁𝑇	PROPN
easat-6664	163	14	principal	principal	ADJ
easat-6664	163	15	component	component	NOUN
easat-6664	163	16	analysis	analysis	NOUN
easat-6664	163	17	(	(	PUNCT
easat-6664	163	18	pca	pca	NOUN
easat-6664	163	19	)	)	PUNCT
easat-6664	163	20	is	be	AUX
easat-6664	163	21	employed	employ	VERB
easat-6664	163	22	to	to	PART
easat-6664	163	23	condense	condense	VERB
easat-6664	163	24	a	a	DET
easat-6664	163	25	large	large	ADJ
easat-6664	163	26	set	set	NOUN
easat-6664	163	27	of	of	ADP
easat-6664	163	28	closely	closely	ADV
easat-6664	163	29	interrelated	interrelated	ADJ
easat-6664	163	30	variables	variable	NOUN
easat-6664	163	31	into	into	ADP
easat-6664	163	32	fewer	few	ADJ
easat-6664	163	33	uncorrelated	uncorrelated	ADJ
easat-6664	163	34	components	component	NOUN
easat-6664	163	35	by	by	ADP
easat-6664	163	36	transforming	transform	VERB
easat-6664	163	37	the	the	DET
easat-6664	163	38	original	original	ADJ
easat-6664	163	39	data	datum	NOUN
easat-6664	164	1	[	[	X
easat-6664	164	2	6	6	NUM
easat-6664	164	3	,	,	PUNCT
easat-6664	164	4	7	7	NUM
easat-6664	164	5	]	]	PUNCT
easat-6664	164	6	.	.	PUNCT
easat-6664	165	1	tables	table	NOUN
easat-6664	165	2	1	1	NUM
easat-6664	165	3	and	and	CCONJ
easat-6664	165	4	2	2	NUM
easat-6664	165	5	illustrate	illustrate	VERB
easat-6664	165	6	the	the	DET
easat-6664	165	7	pca	pca	NOUN
easat-6664	165	8	results	result	NOUN
easat-6664	165	9	for	for	ADP
easat-6664	165	10	112	112	NUM
easat-6664	165	11	countries	country	NOUN
easat-6664	165	12	worldwide	worldwide	ADV
easat-6664	165	13	,	,	PUNCT
easat-6664	165	14	summarizing	summarize	VERB
easat-6664	165	15	key	key	ADJ
easat-6664	165	16	insights	insight	NOUN
easat-6664	165	17	.	.	PUNCT
easat-6664	166	1	table	table	NOUN
easat-6664	166	2	1	1	NUM
easat-6664	166	3	shows	show	VERB
easat-6664	166	4	that	that	SCONJ
easat-6664	166	5	the	the	DET
easat-6664	166	6	first	first	ADJ
easat-6664	166	7	and	and	CCONJ
easat-6664	166	8	second	second	ADJ
easat-6664	166	9	principal	principal	ADJ
easat-6664	166	10	components	component	NOUN
easat-6664	166	11	have	have	VERB
easat-6664	166	12	eigenvalues	eigenvalue	NOUN
easat-6664	166	13	of	of	ADP
easat-6664	166	14	4.1477	4.1477	NUM
easat-6664	166	15	and	and	CCONJ
easat-6664	166	16	0.944	0.944	NUM
easat-6664	166	17	,	,	PUNCT
easat-6664	166	18	respectively	respectively	ADV
easat-6664	166	19	,	,	PUNCT
easat-6664	166	20	accounting	account	VERB
easat-6664	166	21	for	for	ADP
easat-6664	166	22	72.72	72.72	NUM
easat-6664	166	23	%	%	NOUN
easat-6664	166	24	of	of	ADP
easat-6664	166	25	the	the	DET
easat-6664	166	26	total	total	ADJ
easat-6664	166	27	variance	variance	NOUN
easat-6664	166	28	.	.	PUNCT
easat-6664	167	1	however	however	ADV
easat-6664	167	2	,	,	PUNCT
easat-6664	167	3	since	since	SCONJ
easat-6664	167	4	the	the	DET
easat-6664	167	5	second	second	ADJ
easat-6664	167	6	component	component	NOUN
easat-6664	167	7	and	and	CCONJ
easat-6664	167	8	the	the	DET
easat-6664	167	9	subsequent	subsequent	ADJ
easat-6664	167	10	components	component	NOUN
easat-6664	167	11	have	have	AUX
easat-6664	167	12	eigenvalues	eigenvalue	NOUN
easat-6664	167	13	below	below	ADP
easat-6664	167	14	the	the	DET
easat-6664	167	15	threshold	threshold	NOUN
easat-6664	167	16	of	of	ADP
easat-6664	167	17	1	1	NUM
easat-6664	167	18	,	,	PUNCT
easat-6664	167	19	the	the	DET
easat-6664	167	20	first	first	ADJ
easat-6664	167	21	principal	principal	ADJ
easat-6664	167	22	component	component	NOUN
easat-6664	167	23	was	be	AUX
easat-6664	167	24	selected	select	VERB
easat-6664	167	25	to	to	PART
easat-6664	167	26	construct	construct	VERB
easat-6664	167	27	the	the	DET
easat-6664	167	28	dfi	dfi	PROPN
easat-6664	167	29	variable	variable	NOUN
easat-6664	167	30	.	.	PUNCT
easat-6664	168	1	table	table	NOUN
easat-6664	168	2	2	2	NUM
easat-6664	168	3	highlights	highlight	NOUN
easat-6664	168	4	that	that	PRON
easat-6664	168	5	the	the	DET
easat-6664	168	6	weights	weight	NOUN
easat-6664	168	7	for	for	ADP
easat-6664	168	8	mcs	mcs	PROPN
easat-6664	168	9	and	and	CCONJ
easat-6664	168	10	int	int	NOUN
easat-6664	168	11	are	be	AUX
easat-6664	168	12	relatively	relatively	ADV
easat-6664	168	13	high	high	ADJ
easat-6664	168	14	,	,	PUNCT
easat-6664	168	15	at	at	ADP
easat-6664	168	16	0.4559	0.4559	NUM
easat-6664	168	17	and	and	CCONJ
easat-6664	168	18	0.3883	0.3883	NUM
easat-6664	168	19	,	,	PUNCT
easat-6664	168	20	respectively	respectively	ADV
easat-6664	168	21	,	,	PUNCT
easat-6664	168	22	indicating	indicate	VERB
easat-6664	168	23	the	the	DET
easat-6664	168	24	importance	importance	NOUN
easat-6664	168	25	of	of	ADP
easat-6664	168	26	these	these	DET
easat-6664	168	27	variables	variable	NOUN
easat-6664	168	28	in	in	ADP
easat-6664	168	29	constructing	construct	VERB
easat-6664	168	30	the	the	DET
easat-6664	168	31	digital	digital	ADJ
easat-6664	168	32	financial	financial	ADJ
easat-6664	168	33	index	index	NOUN
easat-6664	168	34	.	.	PUNCT
easat-6664	169	1	the	the	DET
easat-6664	169	2	atm	atm	PROPN
easat-6664	169	3	variable	variable	NOUN
easat-6664	169	4	has	have	VERB
easat-6664	169	5	the	the	DET
easat-6664	169	6	highest	high	ADJ
easat-6664	169	7	weight	weight	NOUN
easat-6664	169	8	at	at	ADP
easat-6664	169	9	0.5722	0.5722	NUM
easat-6664	169	10	,	,	PUNCT
easat-6664	169	11	suggesting	suggest	VERB
easat-6664	169	12	that	that	SCONJ
easat-6664	169	13	the	the	DET
easat-6664	169	14	number	number	NOUN
easat-6664	169	15	of	of	ADP
easat-6664	169	16	atms	atms	NOUN
easat-6664	169	17	remains	remain	VERB
easat-6664	169	18	a	a	DET
easat-6664	169	19	key	key	ADJ
easat-6664	169	20	indicator	indicator	NOUN
easat-6664	169	21	for	for	ADP
easat-6664	169	22	most	most	ADJ
easat-6664	169	23	countries	country	NOUN
easat-6664	169	24	.	.	PUNCT
easat-6664	170	1	this	this	PRON
easat-6664	170	2	may	may	AUX
easat-6664	170	3	be	be	AUX
easat-6664	170	4	attributed	attribute	VERB
easat-6664	170	5	to	to	ADP
easat-6664	170	6	the	the	DET
easat-6664	170	7	sample	sample	NOUN
easat-6664	170	8	,	,	PUNCT
easat-6664	170	9	which	which	PRON
easat-6664	170	10	includes	include	VERB
easat-6664	170	11	many	many	ADJ
easat-6664	170	12	developing	develop	VERB
easat-6664	170	13	nations	nation	NOUN
easat-6664	170	14	where	where	SCONJ
easat-6664	170	15	traditional	traditional	ADJ
easat-6664	170	16	financial	financial	ADJ
easat-6664	170	17	inclusion	inclusion	NOUN
easat-6664	170	18	methods	method	NOUN
easat-6664	170	19	are	be	AUX
easat-6664	170	20	still	still	ADV
easat-6664	170	21	dominant	dominant	ADJ
easat-6664	170	22	.	.	PUNCT
easat-6664	171	1	2868	2868	NUM
easat-6664	171	2	edelweiss	edelweiss	PROPN
easat-6664	171	3	applied	apply	VERB
easat-6664	171	4	science	science	NOUN
easat-6664	171	5	and	and	CCONJ
easat-6664	171	6	technology	technology	NOUN
easat-6664	171	7	issn	issn	PROPN
easat-6664	171	8	:	:	PUNCT
easat-6664	171	9	2576	2576	NUM
easat-6664	171	10	-	-	SYM
easat-6664	171	11	8484	8484	NUM
easat-6664	171	12	vol	vol	NOUN
easat-6664	171	13	.	.	PROPN
easat-6664	172	1	9	9	NUM
easat-6664	172	2	,	,	PUNCT
easat-6664	172	3	no	no	INTJ
easat-6664	172	4	.	.	NOUN
easat-6664	172	5	4	4	NUM
easat-6664	172	6	:	:	SYM
easat-6664	172	7	2862	2862	NUM
easat-6664	172	8	-	-	SYM
easat-6664	172	9	2876	2876	NUM
easat-6664	172	10	,	,	PUNCT
easat-6664	172	11	2025	2025	NUM
easat-6664	172	12	doi	doi	NOUN
easat-6664	172	13	:	:	PUNCT
easat-6664	172	14	10.55214/25768484.v9i4.6664	10.55214/25768484.v9i4.6664	NUM
easat-6664	172	15	©	©	PROPN
easat-6664	172	16	2025	2025	NUM
easat-6664	172	17	by	by	ADP
easat-6664	172	18	the	the	DET
easat-6664	172	19	authors	author	NOUN
easat-6664	172	20	;	;	PUNCT
easat-6664	172	21	licensee	licensee	PROPN
easat-6664	172	22	learning	learn	VERB
easat-6664	172	23	gate	gate	NOUN
easat-6664	172	24	table	table	NOUN
easat-6664	172	25	1	1	NUM
easat-6664	172	26	.	.	PUNCT
easat-6664	172	27	probability	probability	NOUN
easat-6664	172	28	contribution	contribution	NOUN
easat-6664	172	29	of	of	ADP
easat-6664	172	30	the	the	DET
easat-6664	172	31	variables	variable	NOUN
easat-6664	172	32	.	.	PUNCT
easat-6664	173	1	dim	dim	ADJ
easat-6664	173	2	eigenvalue	eigenvalue	NOUN
easat-6664	173	3	proportion	proportion	NOUN
easat-6664	173	4	cumulative	cumulative	ADJ
easat-6664	173	5	dim.1	dim.1	PROPN
easat-6664	173	6	4.1477	4.1477	NUM
easat-6664	173	7	0.5925	0.5925	NUM
easat-6664	173	8	0.5925	0.5925	NUM
easat-6664	173	9	dim.2	dim.2	PROPN
easat-6664	173	10	0.9440	0.9440	NUM
easat-6664	173	11	0.1349	0.1349	NUM
easat-6664	173	12	0.7274	0.7274	NUM
easat-6664	173	13	dim.3	dim.3	ADJ
easat-6664	173	14	0.7532	0.7532	NUM
easat-6664	173	15	0.1076	0.1076	NUM
easat-6664	173	16	0.8350	0.8350	NUM
easat-6664	173	17	dim.4	dim.4	PROPN
easat-6664	173	18	0.4945	0.4945	NUM
easat-6664	173	19	0.0706	0.0706	NUM
easat-6664	173	20	0.9056	0.9056	NUM
easat-6664	173	21	table	table	NOUN
easat-6664	173	22	2	2	NUM
easat-6664	173	23	pca	pca	NOUN
easat-6664	173	24	results	result	NOUN
easat-6664	173	25	for	for	ADP
easat-6664	173	26	the	the	DET
easat-6664	173	27	7	7	NUM
easat-6664	173	28	variables	variable	NOUN
easat-6664	173	29	with	with	ADP
easat-6664	173	30	positive	positive	ADJ
easat-6664	173	31	weights	weight	NOUN
easat-6664	173	32	(	(	PUNCT
easat-6664	173	33	w	w	NOUN
easat-6664	173	34	)	)	PUNCT
easat-6664	173	35	are	be	AUX
easat-6664	173	36	presented	present	VERB
easat-6664	173	37	.	.	PUNCT
easat-6664	174	1	and	and	CCONJ
easat-6664	174	2	the	the	DET
easat-6664	174	3	overall	overall	ADJ
easat-6664	174	4	dfi	dfi	PROPN
easat-6664	174	5	scores	score	NOUN
easat-6664	174	6	for	for	ADP
easat-6664	174	7	117	117	NUM
easat-6664	174	8	countries	country	NOUN
easat-6664	174	9	are	be	AUX
easat-6664	174	10	calculated	calculate	VERB
easat-6664	174	11	using	use	VERB
easat-6664	174	12	the	the	DET
easat-6664	174	13	formula	formula	NOUN
easat-6664	174	14	below	below	ADV
easat-6664	174	15	.	.	PUNCT
easat-6664	175	1	dfi	dfi	PROPN
easat-6664	175	2	=	=	SYM
easat-6664	175	3	0.5722atm	0.5722atm	PROPN
easat-6664	176	1	+	+	CCONJ
easat-6664	176	2	0.1395cbb	0.1395cbb	NUM
easat-6664	176	3	+	+	CCONJ
easat-6664	176	4	0.3295odb	0.3295odb	NOUN
easat-6664	176	5	+	+	CCONJ
easat-6664	176	6	0.4048olb	0.4048olb	NOUN
easat-6664	176	7	+	+	X
easat-6664	176	8	0.4559mcs	0.4559mcs	NOUN
easat-6664	176	9	+	+	CCONJ
easat-6664	176	10	0.1485fbs	0.1485fbs	NOUN
easat-6664	176	11	+	+	CCONJ
easat-6664	176	12	0.3883int	0.3883int	NOUN
easat-6664	176	13	table	table	NOUN
easat-6664	176	14	2	2	NUM
easat-6664	176	15	.	.	PUNCT
easat-6664	176	16	pca	pca	PROPN
easat-6664	176	17	result	result	PROPN
easat-6664	176	18	.	.	PUNCT
easat-6664	177	1	dfi	dfi	PROPN
easat-6664	177	2	atm	atm	PROPN
easat-6664	177	3	cbb	cbb	PROPN
easat-6664	177	4	odb	odb	PROPN
easat-6664	177	5	olb	olb	PROPN
easat-6664	177	6	mcs	mcs	PROPN
easat-6664	177	7	fbs	fbs	PROPN
easat-6664	177	8	int	int	NOUN
easat-6664	177	9	0.5722	0.5722	NUM
easat-6664	177	10	0.1395	0.1395	NUM
easat-6664	177	11	0.3295	0.3295	NUM
easat-6664	177	12	0.4048	0.4048	NUM
easat-6664	177	13	0.4559	0.4559	NUM
easat-6664	177	14	0.1485	0.1485	NUM
easat-6664	177	15	0.3883	0.3883	NUM
easat-6664	177	16	the	the	DET
easat-6664	177	17	construction	construction	NOUN
easat-6664	177	18	of	of	ADP
easat-6664	177	19	the	the	DET
easat-6664	177	20	fd	fd	PROPN
easat-6664	177	21	index	index	NOUN
easat-6664	177	22	using	use	VERB
easat-6664	177	23	105	105	NUM
easat-6664	177	24	indicators	indicator	NOUN
easat-6664	177	25	from	from	ADP
easat-6664	177	26	the	the	DET
easat-6664	177	27	global	global	ADJ
easat-6664	177	28	financial	financial	PROPN
easat-6664	177	29	development	development	PROPN
easat-6664	177	30	database	database	NOUN
easat-6664	177	31	(	(	PUNCT
easat-6664	177	32	gfdd	gfdd	NOUN
easat-6664	177	33	)	)	PUNCT
easat-6664	177	34	and	and	CCONJ
easat-6664	177	35	46	46	NUM
easat-6664	177	36	from	from	ADP
easat-6664	177	37	finstats	finstat	NOUN
easat-6664	177	38	is	be	AUX
easat-6664	177	39	a	a	DET
easat-6664	177	40	methodologically	methodologically	ADV
easat-6664	177	41	rigorous	rigorous	ADJ
easat-6664	177	42	process	process	NOUN
easat-6664	177	43	.	.	PUNCT
easat-6664	178	1	by	by	ADP
easat-6664	178	2	categorizing	categorize	VERB
easat-6664	178	3	these	these	DET
easat-6664	178	4	indicators	indicator	NOUN
easat-6664	178	5	into	into	ADP
easat-6664	178	6	sub	sub	NOUN
easat-6664	178	7	-	-	NOUN
easat-6664	178	8	indices	index	NOUN
easat-6664	178	9	—	—	PUNCT
easat-6664	178	10	such	such	ADJ
easat-6664	178	11	as	as	ADP
easat-6664	178	12	financial	financial	ADJ
easat-6664	178	13	institutions	institution	NOUN
easat-6664	178	14	depth	depth	NOUN
easat-6664	178	15	(	(	PUNCT
easat-6664	178	16	fid	fid	NOUN
easat-6664	178	17	)	)	PUNCT
easat-6664	178	18	,	,	PUNCT
easat-6664	178	19	financial	financial	ADJ
easat-6664	178	20	institutions	institution	NOUN
easat-6664	178	21	access	access	NOUN
easat-6664	178	22	(	(	PUNCT
easat-6664	178	23	fia	fia	PROPN
easat-6664	178	24	)	)	PUNCT
easat-6664	178	25	,	,	PUNCT
easat-6664	178	26	financial	financial	ADJ
easat-6664	178	27	institutions	institution	NOUN
easat-6664	178	28	efficiency	efficiency	NOUN
easat-6664	178	29	(	(	PUNCT
easat-6664	178	30	fie	fie	NOUN
easat-6664	178	31	)	)	PUNCT
easat-6664	178	32	,	,	PUNCT
easat-6664	178	33	financial	financial	ADJ
easat-6664	178	34	markets	market	NOUN
easat-6664	178	35	depth	depth	NOUN
easat-6664	178	36	(	(	PUNCT
easat-6664	178	37	fmd	fmd	NOUN
easat-6664	178	38	)	)	PUNCT
easat-6664	178	39	,	,	PUNCT
easat-6664	178	40	financial	financial	ADJ
easat-6664	178	41	markets	market	NOUN
easat-6664	178	42	access	access	NOUN
easat-6664	178	43	(	(	PUNCT
easat-6664	178	44	fma	fma	NOUN
easat-6664	178	45	)	)	PUNCT
easat-6664	178	46	,	,	PUNCT
easat-6664	178	47	and	and	CCONJ
easat-6664	178	48	financial	financial	ADJ
easat-6664	178	49	markets	market	NOUN
easat-6664	178	50	efficiency	efficiency	NOUN
easat-6664	178	51	(	(	PUNCT
easat-6664	178	52	fme)—the	fme)—the	DET
easat-6664	178	53	index	index	NOUN
easat-6664	178	54	captures	capture	VERB
easat-6664	178	55	both	both	CCONJ
easat-6664	178	56	the	the	DET
easat-6664	178	57	institutional	institutional	ADJ
easat-6664	178	58	and	and	CCONJ
easat-6664	178	59	market	market	NOUN
easat-6664	178	60	dimensions	dimension	NOUN
easat-6664	178	61	of	of	ADP
easat-6664	178	62	financial	financial	ADJ
easat-6664	178	63	development	development	NOUN
easat-6664	178	64	.	.	PUNCT
easat-6664	179	1	the	the	DET
easat-6664	179	2	aggregation	aggregation	NOUN
easat-6664	179	3	of	of	ADP
easat-6664	179	4	these	these	DET
easat-6664	179	5	sub	sub	NOUN
easat-6664	179	6	-	-	NOUN
easat-6664	179	7	indices	index	NOUN
easat-6664	179	8	into	into	ADP
easat-6664	179	9	a	a	DET
easat-6664	179	10	comprehensive	comprehensive	ADJ
easat-6664	179	11	fd	fd	NOUN
easat-6664	179	12	index	index	NOUN
easat-6664	179	13	ensures	ensure	VERB
easat-6664	179	14	a	a	DET
easat-6664	179	15	holistic	holistic	ADJ
easat-6664	179	16	representation	representation	NOUN
easat-6664	179	17	of	of	ADP
easat-6664	179	18	the	the	DET
easat-6664	179	19	financial	financial	ADJ
easat-6664	179	20	system	system	NOUN
easat-6664	179	21	's	's	PART
easat-6664	179	22	structure	structure	NOUN
easat-6664	179	23	and	and	CCONJ
easat-6664	179	24	functionality	functionality	NOUN
easat-6664	179	25	.	.	PUNCT
easat-6664	180	1	this	this	DET
easat-6664	180	2	index	index	NOUN
easat-6664	180	3	is	be	AUX
easat-6664	180	4	particularly	particularly	ADV
easat-6664	180	5	relevant	relevant	ADJ
easat-6664	180	6	for	for	ADP
easat-6664	180	7	analyzing	analyze	VERB
easat-6664	180	8	its	its	PRON
easat-6664	180	9	impact	impact	NOUN
easat-6664	180	10	on	on	ADP
easat-6664	180	11	unemployment	unemployment	NOUN
easat-6664	180	12	.	.	PUNCT
easat-6664	181	1	while	while	SCONJ
easat-6664	181	2	fd	fd	PROPN
easat-6664	181	3	often	often	ADV
easat-6664	181	4	reduces	reduce	VERB
easat-6664	181	5	unemployment	unemployment	NOUN
easat-6664	181	6	by	by	ADP
easat-6664	181	7	improving	improve	VERB
easat-6664	181	8	access	access	NOUN
easat-6664	181	9	to	to	ADP
easat-6664	181	10	credit	credit	NOUN
easat-6664	181	11	,	,	PUNCT
easat-6664	181	12	fostering	foster	VERB
easat-6664	181	13	entrepreneurship	entrepreneurship	NOUN
easat-6664	181	14	,	,	PUNCT
easat-6664	181	15	and	and	CCONJ
easat-6664	181	16	enabling	enable	VERB
easat-6664	181	17	businesses	business	NOUN
easat-6664	181	18	to	to	PART
easat-6664	181	19	expand	expand	VERB
easat-6664	181	20	,	,	PUNCT
easat-6664	181	21	it	it	PRON
easat-6664	181	22	may	may	AUX
easat-6664	181	23	have	have	VERB
easat-6664	181	24	counteracting	counteract	VERB
easat-6664	181	25	effects	effect	NOUN
easat-6664	181	26	in	in	ADP
easat-6664	181	27	the	the	DET
easat-6664	181	28	context	context	NOUN
easat-6664	181	29	of	of	ADP
easat-6664	181	30	digital	digital	ADJ
easat-6664	181	31	transformation	transformation	NOUN
easat-6664	181	32	.	.	PUNCT
easat-6664	182	1	with	with	ADP
easat-6664	182	2	the	the	DET
easat-6664	182	3	rapid	rapid	ADJ
easat-6664	182	4	advancement	advancement	NOUN
easat-6664	182	5	of	of	ADP
easat-6664	182	6	digital	digital	ADJ
easat-6664	182	7	technology	technology	NOUN
easat-6664	182	8	,	,	PUNCT
easat-6664	182	9	financial	financial	ADJ
easat-6664	182	10	development	development	NOUN
easat-6664	182	11	could	could	AUX
easat-6664	182	12	inadvertently	inadvertently	ADV
easat-6664	182	13	lead	lead	VERB
easat-6664	182	14	to	to	ADP
easat-6664	182	15	higher	high	ADJ
easat-6664	182	16	unemployment	unemployment	NOUN
easat-6664	182	17	rates	rate	NOUN
easat-6664	182	18	.	.	PUNCT
easat-6664	183	1	this	this	PRON
easat-6664	183	2	occurs	occur	VERB
easat-6664	183	3	as	as	ADP
easat-6664	183	4	automation	automation	NOUN
easat-6664	183	5	and	and	CCONJ
easat-6664	183	6	digital	digital	ADJ
easat-6664	183	7	tools	tool	NOUN
easat-6664	183	8	streamline	streamline	VERB
easat-6664	183	9	financial	financial	ADJ
easat-6664	183	10	operations	operation	NOUN
easat-6664	183	11	,	,	PUNCT
easat-6664	183	12	reducing	reduce	VERB
easat-6664	183	13	the	the	DET
easat-6664	183	14	need	need	NOUN
easat-6664	183	15	for	for	ADP
easat-6664	183	16	traditional	traditional	ADJ
easat-6664	183	17	labor	labor	NOUN
easat-6664	183	18	in	in	ADP
easat-6664	183	19	the	the	DET
easat-6664	183	20	financial	financial	ADJ
easat-6664	183	21	sector	sector	NOUN
easat-6664	183	22	.	.	PUNCT
easat-6664	184	1	based	base	VERB
easat-6664	184	2	on	on	ADP
easat-6664	184	3	the	the	DET
easat-6664	184	4	arguments	argument	NOUN
easat-6664	184	5	above	above	ADV
easat-6664	184	6	,	,	PUNCT
easat-6664	184	7	we	we	PRON
easat-6664	184	8	propose	propose	VERB
easat-6664	184	9	the	the	DET
easat-6664	184	10	following	follow	VERB
easat-6664	184	11	two	two	NUM
easat-6664	184	12	hypotheses	hypothesis	NOUN
easat-6664	184	13	.	.	PUNCT
easat-6664	185	1	hypothesis	hypothesis	NOUN
easat-6664	185	2	1	1	NUM
easat-6664	185	3	:	:	PUNCT
easat-6664	185	4	dfi	dfi	PROPN
easat-6664	185	5	reduces	reduce	VERB
easat-6664	185	6	the	the	DET
easat-6664	185	7	unemployment	unemployment	NOUN
easat-6664	185	8	rate	rate	NOUN
easat-6664	185	9	.	.	PUNCT
easat-6664	186	1	hypothesis	hypothesis	NOUN
easat-6664	186	2	2	2	NUM
easat-6664	186	3	:	:	PUNCT
easat-6664	186	4	fd	fd	X
easat-6664	186	5	increases	increase	VERB
easat-6664	186	6	the	the	DET
easat-6664	186	7	unemployment	unemployment	NOUN
easat-6664	186	8	rate	rate	NOUN
easat-6664	186	9	.	.	PUNCT
easat-6664	187	1	additionally	additionally	ADV
easat-6664	187	2	,	,	PUNCT
easat-6664	187	3	we	we	PRON
easat-6664	187	4	include	include	VERB
easat-6664	187	5	the	the	DET
easat-6664	187	6	following	follow	VERB
easat-6664	187	7	control	control	NOUN
easat-6664	187	8	variables	variable	NOUN
easat-6664	187	9	:	:	PUNCT
easat-6664	187	10	gross	gross	ADJ
easat-6664	187	11	domestic	domestic	ADJ
easat-6664	187	12	product	product	NOUN
easat-6664	187	13	(	(	PUNCT
easat-6664	187	14	gdp	gdp	NOUN
easat-6664	187	15	)	)	PUNCT
easat-6664	187	16	,	,	PUNCT
easat-6664	187	17	urbanization	urbanization	NOUN
easat-6664	187	18	rate	rate	NOUN
easat-6664	187	19	(	(	PUNCT
easat-6664	187	20	ur	ur	INTJ
easat-6664	187	21	)	)	PUNCT
easat-6664	187	22	,	,	PUNCT
easat-6664	187	23	inflation	inflation	NOUN
easat-6664	187	24	(	(	PUNCT
easat-6664	187	25	inf	inf	NOUN
easat-6664	187	26	)	)	PUNCT
easat-6664	187	27	,	,	PUNCT
easat-6664	187	28	foreign	foreign	ADJ
easat-6664	187	29	direct	direct	ADJ
easat-6664	187	30	investment	investment	NOUN
easat-6664	187	31	(	(	PUNCT
easat-6664	187	32	fdi	fdi	NOUN
easat-6664	187	33	)	)	PUNCT
easat-6664	187	34	,	,	PUNCT
easat-6664	187	35	and	and	CCONJ
easat-6664	187	36	population	population	NOUN
easat-6664	187	37	(	(	PUNCT
easat-6664	187	38	pop	pop	NOUN
easat-6664	187	39	)	)	PUNCT
easat-6664	187	40	.	.	PUNCT
easat-6664	188	1	these	these	DET
easat-6664	188	2	control	control	NOUN
easat-6664	188	3	variables	variable	NOUN
easat-6664	188	4	are	be	AUX
easat-6664	188	5	important	important	ADJ
easat-6664	188	6	for	for	ADP
easat-6664	188	7	accounting	account	VERB
easat-6664	188	8	for	for	ADP
easat-6664	188	9	other	other	ADJ
easat-6664	188	10	macroeconomic	macroeconomic	ADJ
easat-6664	188	11	factors	factor	NOUN
easat-6664	188	12	that	that	PRON
easat-6664	188	13	may	may	AUX
easat-6664	188	14	influence	influence	VERB
easat-6664	188	15	unemployment	unemployment	NOUN
easat-6664	188	16	,	,	PUNCT
easat-6664	188	17	ensuring	ensure	VERB
easat-6664	188	18	a	a	DET
easat-6664	188	19	more	more	ADV
easat-6664	188	20	accurate	accurate	ADJ
easat-6664	188	21	analysis	analysis	NOUN
easat-6664	188	22	of	of	ADP
easat-6664	188	23	the	the	DET
easat-6664	188	24	relationships	relationship	NOUN
easat-6664	188	25	between	between	ADP
easat-6664	188	26	dfi	dfi	PROPN
easat-6664	188	27	,	,	PUNCT
easat-6664	188	28	fd	fd	PROPN
easat-6664	188	29	,	,	PUNCT
easat-6664	188	30	and	and	CCONJ
easat-6664	188	31	une	une	PROPN
easat-6664	188	32	.	.	PROPN
easat-6664	188	33	3.3	3.3	NUM
easat-6664	188	34	.	.	PUNCT
easat-6664	189	1	research	research	NOUN
easat-6664	189	2	methodology	methodology	NOUN
easat-6664	189	3	the	the	DET
easat-6664	189	4	model	model	NOUN
easat-6664	189	5	for	for	ADP
easat-6664	189	6	analyzing	analyze	VERB
easat-6664	189	7	the	the	DET
easat-6664	189	8	impact	impact	NOUN
easat-6664	189	9	of	of	ADP
easat-6664	189	10	dfi	dfi	PROPN
easat-6664	189	11	and	and	CCONJ
easat-6664	189	12	fd	fd	X
easat-6664	189	13	on	on	ADP
easat-6664	189	14	the	the	DET
easat-6664	189	15	une	une	PROPN
easat-6664	189	16	is	be	AUX
easat-6664	189	17	constructed	construct	VERB
easat-6664	189	18	as	as	SCONJ
easat-6664	189	19	follows	follow	VERB
easat-6664	189	20	.	.	PUNCT
easat-6664	190	1	𝑈𝑁𝐸𝑖,𝑡	𝑈𝑁𝐸𝑖,𝑡	X
easat-6664	191	1	=	=	PUNCT
easat-6664	191	2	𝛽𝑜	𝛽𝑜	ADP
easat-6664	191	3	+	+	CCONJ
easat-6664	191	4	𝛽1𝐷𝐹𝐼𝑖,𝑡	𝛽1𝐷𝐹𝐼𝑖,𝑡	PROPN
easat-6664	191	5	+	+	CCONJ
easat-6664	191	6	𝛽2𝐹𝐷𝑖,𝑡	𝛽2𝐹𝐷𝑖,𝑡	ADJ
easat-6664	191	7	+	+	CCONJ
easat-6664	191	8	𝛽𝑥𝑋𝑖,𝑡	𝛽𝑥𝑋𝑖,𝑡	X
easat-6664	191	9	+	+	X
easat-6664	191	10	𝜀𝑖,𝑡	𝜀𝑖,𝑡	X
easat-6664	191	11	(	(	PUNCT
easat-6664	191	12	1	1	X
easat-6664	191	13	)	)	PUNCT
easat-6664	191	14	model	model	NOUN
easat-6664	191	15	1	1	NUM
easat-6664	191	16	faces	face	VERB
easat-6664	191	17	several	several	ADJ
easat-6664	191	18	key	key	ADJ
easat-6664	191	19	issues	issue	NOUN
easat-6664	191	20	that	that	PRON
easat-6664	191	21	need	need	VERB
easat-6664	191	22	to	to	PART
easat-6664	191	23	be	be	AUX
easat-6664	191	24	addressed	address	VERB
easat-6664	191	25	:	:	PUNCT
easat-6664	191	26	(	(	PUNCT
easat-6664	191	27	1	1	X
easat-6664	191	28	)	)	PUNCT
easat-6664	191	29	the	the	DET
easat-6664	191	30	presence	presence	NOUN
easat-6664	191	31	of	of	ADP
easat-6664	191	32	high	high	ADJ
easat-6664	191	33	multicollinearity	multicollinearity	NOUN
easat-6664	191	34	between	between	ADP
easat-6664	191	35	dfi	dfi	PROPN
easat-6664	191	36	and	and	CCONJ
easat-6664	191	37	fd	fd	PROPN
easat-6664	191	38	,	,	PUNCT
easat-6664	191	39	which	which	PRON
easat-6664	191	40	can	can	AUX
easat-6664	191	41	reduce	reduce	VERB
easat-6664	191	42	the	the	DET
easat-6664	191	43	accuracy	accuracy	NOUN
easat-6664	191	44	of	of	ADP
easat-6664	191	45	the	the	DET
easat-6664	191	46	model	model	NOUN
easat-6664	191	47	’s	’s	PART
easat-6664	191	48	estimates	estimate	NOUN
easat-6664	191	49	and	and	CCONJ
easat-6664	191	50	make	make	VERB
easat-6664	191	51	it	it	PRON
easat-6664	191	52	difficult	difficult	ADJ
easat-6664	191	53	to	to	PART
easat-6664	191	54	separately	separately	ADV
easat-6664	191	55	determine	determine	VERB
easat-6664	191	56	the	the	DET
easat-6664	191	57	effect	effect	NOUN
easat-6664	191	58	of	of	ADP
easat-6664	191	59	each	each	DET
easat-6664	191	60	variable	variable	NOUN
easat-6664	191	61	.	.	PUNCT
easat-6664	192	1	(	(	PUNCT
easat-6664	192	2	2	2	X
easat-6664	192	3	)	)	PUNCT
easat-6664	192	4	there	there	PRON
easat-6664	192	5	may	may	AUX
easat-6664	192	6	be	be	AUX
easat-6664	192	7	endogeneity	endogeneity	NOUN
easat-6664	192	8	issues	issue	NOUN
easat-6664	192	9	between	between	ADP
easat-6664	192	10	the	the	DET
easat-6664	192	11	independent	independent	ADJ
easat-6664	192	12	variables	variable	NOUN
easat-6664	192	13	and	and	CCONJ
easat-6664	192	14	the	the	DET
easat-6664	192	15	error	error	NOUN
easat-6664	192	16	term	term	NOUN
easat-6664	192	17	𝜀𝑖,𝑡	𝜀𝑖,𝑡	VERB
easat-6664	192	18	,	,	PUNCT
easat-6664	192	19	leading	lead	VERB
easat-6664	192	20	to	to	ADP
easat-6664	192	21	biased	biased	ADJ
easat-6664	192	22	estimates	estimate	NOUN
easat-6664	192	23	and	and	CCONJ
easat-6664	192	24	raising	raise	VERB
easat-6664	192	25	concerns	concern	NOUN
easat-6664	192	26	about	about	ADP
easat-6664	192	27	the	the	DET
easat-6664	192	28	consistency	consistency	NOUN
easat-6664	192	29	of	of	ADP
easat-6664	192	30	the	the	DET
easat-6664	192	31	results	result	NOUN
easat-6664	192	32	.	.	PUNCT
easat-6664	193	1	to	to	PART
easat-6664	193	2	overcome	overcome	VERB
easat-6664	193	3	these	these	DET
easat-6664	193	4	issues	issue	NOUN
easat-6664	193	5	,	,	PUNCT
easat-6664	193	6	we	we	PRON
easat-6664	193	7	apply	apply	VERB
easat-6664	193	8	the	the	DET
easat-6664	193	9	bayesian	bayesian	NOUN
easat-6664	193	10	quantile	quantile	NOUN
easat-6664	193	11	regression	regression	NOUN
easat-6664	193	12	(	(	PUNCT
easat-6664	193	13	bqr	bqr	NOUN
easat-6664	193	14	)	)	PUNCT
easat-6664	193	15	method	method	NOUN
easat-6664	193	16	.	.	PUNCT
easat-6664	194	1	this	this	DET
easat-6664	194	2	method	method	NOUN
easat-6664	194	3	helps	help	VERB
easat-6664	194	4	address	address	VERB
easat-6664	194	5	multicollinearity	multicollinearity	NOUN
easat-6664	194	6	and	and	CCONJ
easat-6664	194	7	endogeneity	endogeneity	NOUN
easat-6664	194	8	by	by	ADP
easat-6664	194	9	using	use	VERB
easat-6664	194	10	probabilistic	probabilistic	ADJ
easat-6664	194	11	techniques	technique	NOUN
easat-6664	194	12	to	to	PART
easat-6664	194	13	incorporate	incorporate	VERB
easat-6664	194	14	additional	additional	ADJ
easat-6664	194	15	informational	informational	ADJ
easat-6664	194	16	factors	factor	NOUN
easat-6664	194	17	,	,	PUNCT
easat-6664	194	18	improving	improve	VERB
easat-6664	194	19	the	the	DET
easat-6664	194	20	accuracy	accuracy	NOUN
easat-6664	194	21	of	of	ADP
easat-6664	194	22	the	the	DET
easat-6664	194	23	estimates	estimate	NOUN
easat-6664	194	24	.	.	PUNCT
easat-6664	195	1	bqr	bqr	PROPN
easat-6664	195	2	allows	allow	VERB
easat-6664	195	3	for	for	ADP
easat-6664	195	4	2869	2869	NUM
easat-6664	195	5	edelweiss	edelweiss	PROPN
easat-6664	195	6	applied	apply	VERB
easat-6664	195	7	science	science	NOUN
easat-6664	195	8	and	and	CCONJ
easat-6664	195	9	technology	technology	NOUN
easat-6664	195	10	issn	issn	PROPN
easat-6664	195	11	:	:	PUNCT
easat-6664	195	12	2576	2576	NUM
easat-6664	195	13	-	-	SYM
easat-6664	195	14	8484	8484	NUM
easat-6664	195	15	vol	vol	NOUN
easat-6664	195	16	.	.	PROPN
easat-6664	196	1	9	9	NUM
easat-6664	196	2	,	,	PUNCT
easat-6664	196	3	no	no	INTJ
easat-6664	196	4	.	.	NOUN
easat-6664	196	5	4	4	NUM
easat-6664	196	6	:	:	SYM
easat-6664	196	7	2862	2862	NUM
easat-6664	196	8	-	-	SYM
easat-6664	196	9	2876	2876	NUM
easat-6664	196	10	,	,	PUNCT
easat-6664	196	11	2025	2025	NUM
easat-6664	196	12	doi	doi	NOUN
easat-6664	196	13	:	:	PUNCT
easat-6664	196	14	10.55214/25768484.v9i4.6664	10.55214/25768484.v9i4.6664	NUM
easat-6664	196	15	©	©	PROPN
easat-6664	196	16	2025	2025	NUM
easat-6664	196	17	by	by	ADP
easat-6664	196	18	the	the	DET
easat-6664	196	19	authors	author	NOUN
easat-6664	196	20	;	;	PUNCT
easat-6664	196	21	licensee	licensee	PROPN
easat-6664	196	22	learning	learn	VERB
easat-6664	196	23	gate	gate	NOUN
easat-6664	196	24	modeling	model	VERB
easat-6664	196	25	the	the	DET
easat-6664	196	26	variation	variation	NOUN
easat-6664	196	27	in	in	ADP
easat-6664	196	28	the	the	DET
easat-6664	196	29	effects	effect	NOUN
easat-6664	196	30	of	of	ADP
easat-6664	196	31	explanatory	explanatory	ADJ
easat-6664	196	32	variables	variable	NOUN
easat-6664	196	33	at	at	ADP
easat-6664	196	34	different	different	ADJ
easat-6664	196	35	quantiles	quantile	NOUN
easat-6664	196	36	of	of	ADP
easat-6664	196	37	the	the	DET
easat-6664	196	38	dependent	dependent	ADJ
easat-6664	196	39	variable	variable	NOUN
easat-6664	196	40	’s	’s	PART
easat-6664	196	41	distribution	distribution	NOUN
easat-6664	196	42	,	,	PUNCT
easat-6664	196	43	providing	provide	VERB
easat-6664	196	44	more	more	ADV
easat-6664	196	45	precise	precise	ADJ
easat-6664	196	46	estimates	estimate	NOUN
easat-6664	196	47	,	,	PUNCT
easat-6664	196	48	especially	especially	ADV
easat-6664	196	49	when	when	SCONJ
easat-6664	196	50	the	the	DET
easat-6664	196	51	relationship	relationship	NOUN
easat-6664	196	52	between	between	ADP
easat-6664	196	53	variables	variable	NOUN
easat-6664	196	54	varies	vary	VERB
easat-6664	196	55	across	across	ADP
easat-6664	196	56	the	the	DET
easat-6664	196	57	distribution	distribution	NOUN
easat-6664	196	58	.	.	PUNCT
easat-6664	197	1	additionally	additionally	ADV
easat-6664	197	2	,	,	PUNCT
easat-6664	197	3	this	this	DET
easat-6664	197	4	method	method	NOUN
easat-6664	197	5	handles	handle	VERB
easat-6664	197	6	endogeneity	endogeneity	NOUN
easat-6664	197	7	by	by	ADP
easat-6664	197	8	utilizing	utilize	VERB
easat-6664	197	9	prior	prior	ADJ
easat-6664	197	10	distributions	distribution	NOUN
easat-6664	197	11	and	and	CCONJ
easat-6664	197	12	enhancing	enhance	VERB
easat-6664	197	13	the	the	DET
easat-6664	197	14	stability	stability	NOUN
easat-6664	197	15	of	of	ADP
easat-6664	197	16	the	the	DET
easat-6664	197	17	parameter	parameter	NOUN
easat-6664	197	18	estimates	estimate	NOUN
easat-6664	197	19	,	,	PUNCT
easat-6664	197	20	thereby	thereby	ADV
easat-6664	197	21	reducing	reduce	VERB
easat-6664	197	22	errors	error	NOUN
easat-6664	197	23	in	in	ADP
easat-6664	197	24	the	the	DET
easat-6664	197	25	model	model	NOUN
easat-6664	197	26	[	[	X
easat-6664	197	27	14	14	NUM
easat-6664	197	28	]	]	SYM
easat-6664	197	29	.	.	PUNCT
easat-6664	198	1	4	4	X
easat-6664	198	2	.	.	X
easat-6664	198	3	research	research	NOUN
easat-6664	198	4	findings	finding	NOUN
easat-6664	198	5	4.1	4.1	NUM
easat-6664	198	6	.	.	PUNCT
easat-6664	199	1	overview	overview	NOUN
easat-6664	199	2	of	of	ADP
easat-6664	199	3	descriptive	descriptive	ADJ
easat-6664	199	4	statistics	statistic	NOUN
easat-6664	199	5	the	the	DET
easat-6664	199	6	average	average	ADJ
easat-6664	199	7	unemployment	unemployment	NOUN
easat-6664	199	8	rate	rate	NOUN
easat-6664	199	9	across	across	ADP
easat-6664	199	10	the	the	DET
easat-6664	199	11	sample	sample	NOUN
easat-6664	199	12	is	be	AUX
easat-6664	199	13	7.64	7.64	NUM
easat-6664	199	14	%	%	NOUN
easat-6664	199	15	,	,	PUNCT
easat-6664	199	16	with	with	ADP
easat-6664	199	17	a	a	DET
easat-6664	199	18	significant	significant	ADJ
easat-6664	199	19	standard	standard	ADJ
easat-6664	199	20	deviation	deviation	NOUN
easat-6664	199	21	of	of	ADP
easat-6664	199	22	5.51	5.51	NUM
easat-6664	199	23	%	%	NOUN
easat-6664	199	24	.	.	PUNCT
easat-6664	200	1	this	this	PRON
easat-6664	200	2	suggests	suggest	VERB
easat-6664	200	3	that	that	SCONJ
easat-6664	200	4	there	there	PRON
easat-6664	200	5	is	be	VERB
easat-6664	200	6	a	a	DET
easat-6664	200	7	considerable	considerable	ADJ
easat-6664	200	8	variation	variation	NOUN
easat-6664	200	9	in	in	ADP
easat-6664	200	10	unemployment	unemployment	NOUN
easat-6664	200	11	rates	rate	NOUN
easat-6664	200	12	across	across	ADP
easat-6664	200	13	the	the	DET
easat-6664	200	14	countries	country	NOUN
easat-6664	200	15	or	or	CCONJ
easat-6664	200	16	regions	region	NOUN
easat-6664	200	17	in	in	ADP
easat-6664	200	18	the	the	DET
easat-6664	200	19	dataset	dataset	NOUN
easat-6664	200	20	.	.	PUNCT
easat-6664	201	1	the	the	DET
easat-6664	201	2	minimum	minimum	ADJ
easat-6664	201	3	observed	observe	VERB
easat-6664	201	4	rate	rate	NOUN
easat-6664	201	5	is	be	AUX
easat-6664	201	6	very	very	ADV
easat-6664	201	7	low	low	ADJ
easat-6664	201	8	at	at	ADP
easat-6664	201	9	0.10	0.10	NUM
easat-6664	201	10	%	%	NOUN
easat-6664	201	11	,	,	PUNCT
easat-6664	201	12	while	while	SCONJ
easat-6664	201	13	the	the	DET
easat-6664	201	14	maximum	maximum	NOUN
easat-6664	201	15	reaches	reach	VERB
easat-6664	201	16	a	a	DET
easat-6664	201	17	notably	notably	ADV
easat-6664	201	18	high	high	ADJ
easat-6664	201	19	37.85	37.85	NUM
easat-6664	201	20	%	%	NOUN
easat-6664	201	21	,	,	PUNCT
easat-6664	201	22	indicating	indicate	VERB
easat-6664	201	23	that	that	SCONJ
easat-6664	201	24	some	some	DET
easat-6664	201	25	countries	country	NOUN
easat-6664	201	26	face	face	VERB
easat-6664	201	27	extremely	extremely	ADV
easat-6664	201	28	high	high	ADJ
easat-6664	201	29	unemployment	unemployment	NOUN
easat-6664	201	30	,	,	PUNCT
easat-6664	201	31	whereas	whereas	SCONJ
easat-6664	201	32	others	other	NOUN
easat-6664	201	33	have	have	VERB
easat-6664	201	34	very	very	ADV
easat-6664	201	35	low	low	ADJ
easat-6664	201	36	unemployment	unemployment	NOUN
easat-6664	201	37	rates	rate	NOUN
easat-6664	201	38	.	.	PUNCT
easat-6664	202	1	the	the	DET
easat-6664	202	2	average	average	ADJ
easat-6664	202	3	dfi	dfi	PROPN
easat-6664	202	4	score	score	NOUN
easat-6664	202	5	is	be	AUX
easat-6664	202	6	0.38	0.38	NUM
easat-6664	202	7	,	,	PUNCT
easat-6664	202	8	with	with	ADP
easat-6664	202	9	a	a	DET
easat-6664	202	10	standard	standard	ADJ
easat-6664	202	11	deviation	deviation	NOUN
easat-6664	202	12	of	of	ADP
easat-6664	202	13	0.20	0.20	NUM
easat-6664	202	14	,	,	PUNCT
easat-6664	202	15	indicating	indicate	VERB
easat-6664	202	16	considerable	considerable	ADJ
easat-6664	202	17	variation	variation	NOUN
easat-6664	202	18	in	in	ADP
easat-6664	202	19	digital	digital	ADJ
easat-6664	202	20	financial	financial	ADJ
easat-6664	202	21	inclusion	inclusion	NOUN
easat-6664	202	22	across	across	ADP
easat-6664	202	23	the	the	DET
easat-6664	202	24	sample	sample	NOUN
easat-6664	202	25	.	.	PUNCT
easat-6664	203	1	the	the	DET
easat-6664	203	2	dfi	dfi	PROPN
easat-6664	203	3	score	score	NOUN
easat-6664	203	4	ranges	range	VERB
easat-6664	203	5	from	from	ADP
easat-6664	203	6	0	0	NUM
easat-6664	203	7	(	(	PUNCT
easat-6664	203	8	indicating	indicate	VERB
easat-6664	203	9	no	no	DET
easat-6664	203	10	dfi	dfi	PROPN
easat-6664	203	11	)	)	PUNCT
easat-6664	203	12	to	to	ADP
easat-6664	203	13	1	1	NUM
easat-6664	203	14	(	(	PUNCT
easat-6664	203	15	representing	represent	VERB
easat-6664	203	16	complete	complete	ADJ
easat-6664	203	17	dfi	dfi	PROPN
easat-6664	203	18	)	)	PUNCT
easat-6664	203	19	.	.	PUNCT
easat-6664	204	1	this	this	PRON
easat-6664	204	2	suggests	suggest	VERB
easat-6664	204	3	that	that	SCONJ
easat-6664	204	4	many	many	ADJ
easat-6664	204	5	countries	country	NOUN
easat-6664	204	6	are	be	AUX
easat-6664	204	7	still	still	ADV
easat-6664	204	8	at	at	ADP
easat-6664	204	9	the	the	DET
easat-6664	204	10	early	early	ADJ
easat-6664	204	11	stages	stage	NOUN
easat-6664	204	12	of	of	ADP
easat-6664	204	13	digital	digital	ADJ
easat-6664	204	14	financial	financial	ADJ
easat-6664	204	15	inclusion	inclusion	NOUN
easat-6664	204	16	,	,	PUNCT
easat-6664	204	17	although	although	SCONJ
easat-6664	204	18	some	some	DET
easat-6664	204	19	countries	country	NOUN
easat-6664	204	20	have	have	AUX
easat-6664	204	21	achieved	achieve	VERB
easat-6664	204	22	significant	significant	ADJ
easat-6664	204	23	levels	level	NOUN
easat-6664	204	24	of	of	ADP
easat-6664	204	25	inclusion	inclusion	NOUN
easat-6664	204	26	.	.	PUNCT
easat-6664	205	1	the	the	DET
easat-6664	205	2	average	average	ADJ
easat-6664	205	3	financial	financial	ADJ
easat-6664	205	4	development	development	NOUN
easat-6664	205	5	score	score	NOUN
easat-6664	205	6	is	be	AUX
easat-6664	205	7	0.37	0.37	NUM
easat-6664	205	8	,	,	PUNCT
easat-6664	205	9	with	with	ADP
easat-6664	205	10	a	a	DET
easat-6664	205	11	relatively	relatively	ADV
easat-6664	205	12	high	high	ADJ
easat-6664	205	13	standard	standard	ADJ
easat-6664	205	14	deviation	deviation	NOUN
easat-6664	205	15	of	of	ADP
easat-6664	205	16	0.24	0.24	NUM
easat-6664	205	17	.	.	PUNCT
easat-6664	206	1	this	this	PRON
easat-6664	206	2	indicates	indicate	VERB
easat-6664	206	3	a	a	DET
easat-6664	206	4	diverse	diverse	ADJ
easat-6664	206	5	range	range	NOUN
easat-6664	206	6	of	of	ADP
easat-6664	206	7	fd	fd	PROPN
easat-6664	206	8	across	across	ADP
easat-6664	206	9	the	the	DET
easat-6664	206	10	countries	country	NOUN
easat-6664	206	11	in	in	ADP
easat-6664	206	12	the	the	DET
easat-6664	206	13	dataset	dataset	NOUN
easat-6664	206	14	.	.	PUNCT
easat-6664	207	1	the	the	DET
easat-6664	207	2	minimum	minimum	ADJ
easat-6664	207	3	value	value	NOUN
easat-6664	207	4	of	of	ADP
easat-6664	207	5	0.01	0.01	NUM
easat-6664	207	6	suggests	suggest	VERB
easat-6664	207	7	that	that	SCONJ
easat-6664	207	8	some	some	DET
easat-6664	207	9	countries	country	NOUN
easat-6664	207	10	have	have	VERB
easat-6664	207	11	extremely	extremely	ADV
easat-6664	207	12	limited	limit	VERB
easat-6664	207	13	fd	fd	PROPN
easat-6664	207	14	,	,	PUNCT
easat-6664	207	15	while	while	SCONJ
easat-6664	207	16	the	the	DET
easat-6664	207	17	maximum	maximum	ADJ
easat-6664	207	18	score	score	NOUN
easat-6664	207	19	of	of	ADP
easat-6664	207	20	3.92	3.92	NUM
easat-6664	207	21	indicates	indicate	VERB
easat-6664	207	22	a	a	DET
easat-6664	207	23	high	high	ADJ
easat-6664	207	24	level	level	NOUN
easat-6664	207	25	of	of	ADP
easat-6664	207	26	fd	fd	PROPN
easat-6664	207	27	in	in	ADP
easat-6664	207	28	some	some	DET
easat-6664	207	29	countries	country	NOUN
easat-6664	207	30	,	,	PUNCT
easat-6664	207	31	showing	show	VERB
easat-6664	207	32	a	a	DET
easat-6664	207	33	wide	wide	ADJ
easat-6664	207	34	disparity	disparity	NOUN
easat-6664	207	35	between	between	ADP
easat-6664	207	36	financial	financial	ADJ
easat-6664	207	37	systems	system	NOUN
easat-6664	207	38	in	in	ADP
easat-6664	207	39	the	the	DET
easat-6664	207	40	sample	sample	NOUN
easat-6664	207	41	.	.	PUNCT
easat-6664	208	1	additionally	additionally	ADV
easat-6664	208	2	,	,	PUNCT
easat-6664	208	3	table	table	NOUN
easat-6664	208	4	3	3	NUM
easat-6664	208	5	highlights	highlight	NOUN
easat-6664	208	6	three	three	NUM
easat-6664	208	7	important	important	ADJ
easat-6664	208	8	issues	issue	NOUN
easat-6664	208	9	that	that	PRON
easat-6664	208	10	need	need	VERB
easat-6664	208	11	to	to	PART
easat-6664	208	12	be	be	AUX
easat-6664	208	13	addressed	address	VERB
easat-6664	208	14	.	.	PUNCT
easat-6664	209	1	firstly	firstly	ADV
easat-6664	209	2	,	,	PUNCT
easat-6664	209	3	the	the	DET
easat-6664	209	4	assessment	assessment	NOUN
easat-6664	209	5	of	of	ADP
easat-6664	209	6	cross	cross	ADJ
easat-6664	209	7	-	-	ADJ
easat-6664	209	8	sectional	sectional	ADJ
easat-6664	209	9	dependence	dependence	NOUN
easat-6664	209	10	(	(	PUNCT
easat-6664	209	11	cd	cd	PROPN
easat-6664	209	12	)	)	PUNCT
easat-6664	209	13	is	be	AUX
easat-6664	209	14	essential	essential	ADJ
easat-6664	209	15	in	in	ADP
easat-6664	209	16	panel	panel	NOUN
easat-6664	209	17	data	datum	NOUN
easat-6664	209	18	analysis	analysis	NOUN
easat-6664	209	19	.	.	PUNCT
easat-6664	210	1	to	to	PART
easat-6664	210	2	evaluate	evaluate	VERB
easat-6664	210	3	cd	cd	PROPN
easat-6664	210	4	,	,	PUNCT
easat-6664	210	5	we	we	PRON
easat-6664	210	6	employed	employ	VERB
easat-6664	210	7	the	the	DET
easat-6664	210	8	pesaran	pesaran	NOUN
easat-6664	211	1	[	[	X
easat-6664	211	2	34	34	NUM
easat-6664	211	3	]	]	PUNCT
easat-6664	211	4	test	test	NOUN
easat-6664	211	5	,	,	PUNCT
easat-6664	211	6	as	as	ADP
easat-6664	211	7	overlooking	overlook	VERB
easat-6664	211	8	this	this	DET
easat-6664	211	9	aspect	aspect	NOUN
easat-6664	211	10	could	could	AUX
easat-6664	211	11	lead	lead	VERB
easat-6664	211	12	to	to	ADP
easat-6664	211	13	misleading	mislead	VERB
easat-6664	211	14	conclusions	conclusion	NOUN
easat-6664	211	15	.	.	PUNCT
easat-6664	212	1	the	the	DET
easat-6664	212	2	results	result	NOUN
easat-6664	212	3	presented	present	VERB
easat-6664	212	4	in	in	ADP
easat-6664	212	5	table	table	NOUN
easat-6664	212	6	3	3	NUM
easat-6664	212	7	show	show	VERB
easat-6664	212	8	a	a	DET
easat-6664	212	9	significant	significant	ADJ
easat-6664	212	10	relationship	relationship	NOUN
easat-6664	212	11	among	among	ADP
easat-6664	212	12	the	the	DET
easat-6664	212	13	countries	country	NOUN
easat-6664	212	14	(	(	PUNCT
easat-6664	212	15	p	p	X
easat-6664	212	16	<	<	X
easat-6664	212	17	0.01	0.01	NUM
easat-6664	212	18	)	)	PUNCT
easat-6664	212	19	,	,	PUNCT
easat-6664	212	20	indicating	indicate	VERB
easat-6664	212	21	the	the	DET
easat-6664	212	22	presence	presence	NOUN
easat-6664	212	23	of	of	ADP
easat-6664	212	24	cross	cross	ADJ
easat-6664	212	25	-	-	ADJ
easat-6664	212	26	sectional	sectional	ADJ
easat-6664	212	27	dependence	dependence	NOUN
easat-6664	212	28	.	.	PUNCT
easat-6664	213	1	secondly	secondly	ADV
easat-6664	213	2	,	,	PUNCT
easat-6664	213	3	the	the	DET
easat-6664	213	4	jarque	jarque	NOUN
easat-6664	213	5	-	-	PUNCT
easat-6664	213	6	bera	bera	NOUN
easat-6664	213	7	test	test	NOUN
easat-6664	213	8	results	result	NOUN
easat-6664	213	9	indicate	indicate	VERB
easat-6664	213	10	that	that	SCONJ
easat-6664	213	11	the	the	DET
easat-6664	213	12	variables	variable	NOUN
easat-6664	213	13	in	in	ADP
easat-6664	213	14	the	the	DET
easat-6664	213	15	study	study	NOUN
easat-6664	213	16	do	do	AUX
easat-6664	213	17	not	not	PART
easat-6664	213	18	follow	follow	VERB
easat-6664	213	19	a	a	DET
easat-6664	213	20	normal	normal	ADJ
easat-6664	213	21	distribution	distribution	NOUN
easat-6664	213	22	(	(	PUNCT
easat-6664	213	23	p	p	X
easat-6664	213	24	<	<	X
easat-6664	213	25	0.01	0.01	NUM
easat-6664	213	26	)	)	PUNCT
easat-6664	213	27	.	.	PUNCT
easat-6664	214	1	this	this	PRON
easat-6664	214	2	suggests	suggest	VERB
easat-6664	214	3	that	that	SCONJ
easat-6664	214	4	the	the	DET
easat-6664	214	5	data	datum	NOUN
easat-6664	214	6	may	may	AUX
easat-6664	214	7	exhibit	exhibit	VERB
easat-6664	214	8	skewness	skewness	NOUN
easat-6664	214	9	or	or	CCONJ
easat-6664	214	10	kurtosis	kurtosis	NOUN
easat-6664	214	11	,	,	PUNCT
easat-6664	214	12	meaning	mean	VERB
easat-6664	214	13	the	the	DET
easat-6664	214	14	distribution	distribution	NOUN
easat-6664	214	15	is	be	AUX
easat-6664	214	16	not	not	PART
easat-6664	214	17	symmetrical	symmetrical	ADJ
easat-6664	214	18	and	and	CCONJ
easat-6664	214	19	may	may	AUX
easat-6664	214	20	have	have	VERB
easat-6664	214	21	outliers	outlier	NOUN
easat-6664	214	22	or	or	CCONJ
easat-6664	214	23	heavy	heavy	ADJ
easat-6664	214	24	tails	tail	NOUN
easat-6664	214	25	.	.	PUNCT
easat-6664	215	1	consequently	consequently	ADV
easat-6664	215	2	,	,	PUNCT
easat-6664	215	3	this	this	PRON
easat-6664	215	4	necessitates	necessitate	VERB
easat-6664	215	5	the	the	DET
easat-6664	215	6	use	use	NOUN
easat-6664	215	7	of	of	ADP
easat-6664	215	8	robust	robust	ADJ
easat-6664	215	9	estimation	estimation	NOUN
easat-6664	215	10	methods	method	NOUN
easat-6664	215	11	to	to	PART
easat-6664	215	12	address	address	VERB
easat-6664	215	13	these	these	DET
easat-6664	215	14	departures	departure	NOUN
easat-6664	215	15	from	from	ADP
easat-6664	215	16	normality	normality	NOUN
easat-6664	215	17	.	.	PUNCT
easat-6664	216	1	lastly	lastly	ADV
easat-6664	216	2	,	,	PUNCT
easat-6664	216	3	the	the	DET
easat-6664	216	4	test	test	NOUN
easat-6664	216	5	statistics	statistic	NOUN
easat-6664	216	6	for	for	ADP
easat-6664	216	7	both	both	DET
easat-6664	216	8	delta	delta	NOUN
easat-6664	216	9	and	and	CCONJ
easat-6664	216	10	adjusted	adjust	VERB
easat-6664	216	11	[	[	X
easat-6664	216	12	35	35	NUM
easat-6664	216	13	]	]	PUNCT
easat-6664	216	14	are	be	AUX
easat-6664	216	15	significant	significant	ADJ
easat-6664	216	16	,	,	PUNCT
easat-6664	216	17	with	with	ADP
easat-6664	216	18	values	value	NOUN
easat-6664	216	19	of	of	ADP
easat-6664	216	20	17.780	17.780	NUM
easat-6664	216	21	(	(	PUNCT
easat-6664	216	22	p	p	X
easat-6664	216	23	<	<	X
easat-6664	216	24	0.01	0.01	NUM
easat-6664	216	25	)	)	PUNCT
easat-6664	216	26	and	and	CCONJ
easat-6664	216	27	25.508	25.508	NUM
easat-6664	216	28	(	(	PUNCT
easat-6664	216	29	p	p	X
easat-6664	216	30	<	<	X
easat-6664	216	31	0.01	0.01	NUM
easat-6664	216	32	)	)	PUNCT
easat-6664	216	33	,	,	PUNCT
easat-6664	216	34	respectively	respectively	ADV
easat-6664	216	35	.	.	PUNCT
easat-6664	217	1	these	these	DET
easat-6664	217	2	findings	finding	NOUN
easat-6664	217	3	indicate	indicate	VERB
easat-6664	217	4	slope	slope	NOUN
easat-6664	217	5	heterogeneity	heterogeneity	NOUN
easat-6664	217	6	,	,	PUNCT
easat-6664	217	7	meaning	mean	VERB
easat-6664	217	8	that	that	SCONJ
easat-6664	217	9	the	the	DET
easat-6664	217	10	relationships	relationship	NOUN
easat-6664	217	11	between	between	ADP
easat-6664	217	12	the	the	DET
easat-6664	217	13	variables	variable	NOUN
easat-6664	217	14	differ	differ	VERB
easat-6664	217	15	across	across	ADP
easat-6664	217	16	various	various	ADJ
easat-6664	217	17	units	unit	NOUN
easat-6664	217	18	of	of	ADP
easat-6664	217	19	observation	observation	NOUN
easat-6664	217	20	.	.	PUNCT
easat-6664	218	1	this	this	PRON
easat-6664	218	2	is	be	AUX
easat-6664	218	3	an	an	DET
easat-6664	218	4	important	important	ADJ
easat-6664	218	5	consideration	consideration	NOUN
easat-6664	218	6	in	in	ADP
easat-6664	218	7	choosing	choose	VERB
easat-6664	218	8	the	the	DET
easat-6664	218	9	appropriate	appropriate	ADJ
easat-6664	218	10	method	method	NOUN
easat-6664	218	11	for	for	ADP
easat-6664	218	12	analysis	analysis	NOUN
easat-6664	218	13	.	.	PUNCT
easat-6664	219	1	given	give	VERB
easat-6664	219	2	these	these	DET
easat-6664	219	3	challenges	challenge	NOUN
easat-6664	219	4	,	,	PUNCT
easat-6664	219	5	the	the	DET
easat-6664	219	6	results	result	NOUN
easat-6664	219	7	strongly	strongly	ADV
easat-6664	219	8	justify	justify	VERB
easat-6664	219	9	the	the	DET
easat-6664	219	10	application	application	NOUN
easat-6664	219	11	of	of	ADP
easat-6664	219	12	bayesian	bayesian	NOUN
easat-6664	219	13	quantile	quantile	ADJ
easat-6664	219	14	regression	regression	NOUN
easat-6664	219	15	(	(	PUNCT
easat-6664	219	16	bqr	bqr	PROPN
easat-6664	219	17	)	)	PUNCT
easat-6664	219	18	.	.	PUNCT
easat-6664	220	1	this	this	DET
easat-6664	220	2	method	method	NOUN
easat-6664	220	3	allows	allow	VERB
easat-6664	220	4	for	for	ADP
easat-6664	220	5	more	more	ADV
easat-6664	220	6	precise	precise	ADJ
easat-6664	220	7	estimation	estimation	NOUN
easat-6664	220	8	of	of	ADP
easat-6664	220	9	coefficients	coefficient	NOUN
easat-6664	220	10	at	at	ADP
easat-6664	220	11	different	different	ADJ
easat-6664	220	12	quantiles	quantile	NOUN
easat-6664	220	13	,	,	PUNCT
easat-6664	220	14	taking	take	VERB
easat-6664	220	15	into	into	ADP
easat-6664	220	16	account	account	NOUN
easat-6664	220	17	the	the	DET
easat-6664	220	18	heterogeneity	heterogeneity	NOUN
easat-6664	220	19	of	of	ADP
easat-6664	220	20	slopes	slope	NOUN
easat-6664	220	21	across	across	ADP
easat-6664	220	22	the	the	DET
easat-6664	220	23	data	datum	NOUN
easat-6664	220	24	.	.	PUNCT
easat-6664	221	1	by	by	ADP
easat-6664	221	2	doing	do	VERB
easat-6664	221	3	so	so	ADV
easat-6664	221	4	,	,	PUNCT
easat-6664	221	5	bqr	bqr	PROPN
easat-6664	221	6	ensures	ensure	VERB
easat-6664	221	7	that	that	SCONJ
easat-6664	221	8	the	the	DET
easat-6664	221	9	unique	unique	ADJ
easat-6664	221	10	characteristics	characteristic	NOUN
easat-6664	221	11	of	of	ADP
easat-6664	221	12	each	each	DET
easat-6664	221	13	unit	unit	NOUN
easat-6664	221	14	are	be	AUX
easat-6664	221	15	properly	properly	ADV
easat-6664	221	16	captured	capture	VERB
easat-6664	221	17	,	,	PUNCT
easat-6664	221	18	providing	provide	VERB
easat-6664	221	19	more	more	ADV
easat-6664	221	20	reliable	reliable	ADJ
easat-6664	221	21	and	and	CCONJ
easat-6664	221	22	nuanced	nuanced	ADJ
easat-6664	221	23	insights	insight	NOUN
easat-6664	221	24	into	into	ADP
easat-6664	221	25	the	the	DET
easat-6664	221	26	relationships	relationship	NOUN
easat-6664	221	27	among	among	ADP
easat-6664	221	28	the	the	DET
easat-6664	221	29	variables	variable	NOUN
easat-6664	221	30	.	.	PUNCT
easat-6664	222	1	2870	2870	NUM
easat-6664	222	2	edelweiss	edelweiss	PROPN
easat-6664	222	3	applied	apply	VERB
easat-6664	222	4	science	science	NOUN
easat-6664	222	5	and	and	CCONJ
easat-6664	222	6	technology	technology	NOUN
easat-6664	222	7	issn	issn	PROPN
easat-6664	222	8	:	:	PUNCT
easat-6664	222	9	2576	2576	NUM
easat-6664	222	10	-	-	SYM
easat-6664	222	11	8484	8484	NUM
easat-6664	222	12	vol	vol	NOUN
easat-6664	222	13	.	.	PROPN
easat-6664	223	1	9	9	NUM
easat-6664	223	2	,	,	PUNCT
easat-6664	223	3	no	no	INTJ
easat-6664	223	4	.	.	NOUN
easat-6664	223	5	4	4	NUM
easat-6664	223	6	:	:	SYM
easat-6664	223	7	2862	2862	NUM
easat-6664	223	8	-	-	SYM
easat-6664	223	9	2876	2876	NUM
easat-6664	223	10	,	,	PUNCT
easat-6664	223	11	2025	2025	NUM
easat-6664	223	12	doi	doi	NOUN
easat-6664	223	13	:	:	PUNCT
easat-6664	223	14	10.55214/25768484.v9i4.6664	10.55214/25768484.v9i4.6664	NUM
easat-6664	223	15	©	©	PROPN
easat-6664	223	16	2025	2025	NUM
easat-6664	223	17	by	by	ADP
easat-6664	223	18	the	the	DET
easat-6664	223	19	authors	author	NOUN
easat-6664	223	20	;	;	PUNCT
easat-6664	223	21	licensee	licensee	PROPN
easat-6664	223	22	learning	learn	VERB
easat-6664	223	23	gate	gate	NOUN
easat-6664	223	24	table	table	NOUN
easat-6664	223	25	3	3	NUM
easat-6664	223	26	.	.	X
easat-6664	223	27	overview	overview	NOUN
easat-6664	223	28	of	of	ADP
easat-6664	223	29	descriptive	descriptive	ADJ
easat-6664	223	30	statistics	statistic	NOUN
easat-6664	223	31	.	.	PUNCT
easat-6664	224	1	variables	variable	NOUN
easat-6664	224	2	mean	mean	VERB
easat-6664	225	1	std	std	X
easat-6664	225	2	.	.	PROPN
easat-6664	225	3	dev	dev	PROPN
easat-6664	225	4	.	.	PUNCT
easat-6664	226	1	minimum	minimum	PROPN
easat-6664	226	2	maximum	maximum	ADJ
easat-6664	226	3	pesaran	pesaran	VERB
easat-6664	226	4	cd	cd	PROPN
easat-6664	226	5	test	test	NOUN
easat-6664	226	6	jarque	jarque	PROPN
easat-6664	226	7	bera	bera	PROPN
easat-6664	226	8	test	test	NOUN
easat-6664	226	9	une	une	PROPN
easat-6664	226	10	7.6357	7.6357	NUM
easat-6664	226	11	5.5115	5.5115	NUM
easat-6664	226	12	0.1000	0.1000	NUM
easat-6664	226	13	37.8520	37.8520	NUM
easat-6664	226	14	27.150	27.150	NUM
easat-6664	226	15	*	*	PUNCT
easat-6664	226	16	*	*	PUNCT
easat-6664	226	17	*	*	PUNCT
easat-6664	226	18	598.68	598.68	NUM
easat-6664	226	19	*	*	PUNCT
easat-6664	226	20	*	*	PUNCT
easat-6664	226	21	*	*	PUNCT
easat-6664	226	22	dfi	dfi	PROPN
easat-6664	226	23	0.3803	0.3803	NUM
easat-6664	226	24	0.2049	0.2049	NUM
easat-6664	226	25	0.0000	0.0000	NUM
easat-6664	226	26	1.0000	1.0000	NUM
easat-6664	226	27	266.735	266.735	NUM
easat-6664	226	28	*	*	PUNCT
easat-6664	226	29	*	*	PUNCT
easat-6664	226	30	*	*	PUNCT
easat-6664	226	31	489.33	489.33	NUM
easat-6664	226	32	*	*	PUNCT
easat-6664	226	33	*	*	PUNCT
easat-6664	226	34	*	*	PUNCT
easat-6664	226	35	fd	fd	PROPN
easat-6664	226	36	0.3657	0.3657	NUM
easat-6664	226	37	0.2423	0.2423	NUM
easat-6664	226	38	0.0072	0.0072	NUM
easat-6664	226	39	3.9165	3.9165	NUM
easat-6664	226	40	79.397	79.397	NUM
easat-6664	226	41	*	*	PUNCT
easat-6664	226	42	*	*	PUNCT
easat-6664	226	43	*	*	PUNCT
easat-6664	226	44	955.57	955.57	NUM
easat-6664	226	45	*	*	PUNCT
easat-6664	226	46	*	*	PUNCT
easat-6664	226	47	*	*	PUNCT
easat-6664	226	48	gdp	gdp	NOUN
easat-6664	226	49	2.2083	2.2083	NUM
easat-6664	226	50	4.7356	4.7356	NUM
easat-6664	226	51	-34.2039	-34.2039	NUM
easat-6664	226	52	62.5283	62.5283	NUM
easat-6664	226	53	160.428	160.428	NUM
easat-6664	226	54	*	*	PUNCT
easat-6664	226	55	*	*	PUNCT
easat-6664	226	56	*	*	PUNCT
easat-6664	227	1	127.85	127.85	NUM
easat-6664	227	2	*	*	PUNCT
easat-6664	227	3	*	*	PUNCT
easat-6664	227	4	*	*	PUNCT
easat-6664	227	5	fdi	fdi	VERB
easat-6664	227	6	5.7589	5.7589	NUM
easat-6664	227	7	22.8991	22.8991	NUM
easat-6664	227	8	-394.4716	-394.4716	NOUN
easat-6664	227	9	449.0828	449.0828	NUM
easat-6664	227	10	28.117	28.117	NUM
easat-6664	227	11	*	*	PUNCT
easat-6664	227	12	*	*	PUNCT
easat-6664	227	13	*	*	PUNCT
easat-6664	228	1	203.88	203.88	NUM
easat-6664	228	2	*	*	PUNCT
easat-6664	228	3	*	*	PUNCT
easat-6664	228	4	*	*	PUNCT
easat-6664	228	5	pop	pop	VERB
easat-6664	228	6	1.2639	1.2639	NUM
easat-6664	228	7	1.6350	1.6350	NUM
easat-6664	228	8	-14.2570	-14.2570	NUM
easat-6664	228	9	19.3604	19.3604	NUM
easat-6664	228	10	46.183	46.183	NUM
easat-6664	228	11	*	*	PUNCT
easat-6664	228	12	*	*	PUNCT
easat-6664	228	13	*	*	PUNCT
easat-6664	229	1	61.71	61.71	NUM
easat-6664	229	2	*	*	PUNCT
easat-6664	229	3	*	*	PUNCT
easat-6664	229	4	*	*	PUNCT
easat-6664	229	5	ur	ur	INTJ
easat-6664	229	6	60.2861	60.2861	NUM
easat-6664	229	7	21.2748	21.2748	NUM
easat-6664	229	8	9.1390	9.1390	NUM
easat-6664	229	9	100.0000	100.0000	NUM
easat-6664	229	10	269.201	269.201	NUM
easat-6664	229	11	*	*	PUNCT
easat-6664	229	12	*	*	PUNCT
easat-6664	229	13	*	*	PUNCT
easat-6664	229	14	61.71	61.71	NUM
easat-6664	229	15	*	*	PUNCT
easat-6664	229	16	*	*	PUNCT
easat-6664	229	17	*	*	PROPN
easat-6664	229	18	inf	inf	PROPN
easat-6664	229	19	4.9428	4.9428	NUM
easat-6664	229	20	5.4409	5.4409	NUM
easat-6664	229	21	-16.8597	-16.8597	NUM
easat-6664	229	22	59.1197	59.1197	NUM
easat-6664	229	23	140.620	140.620	NUM
easat-6664	229	24	*	*	PUNCT
easat-6664	229	25	*	*	PUNCT
easat-6664	230	1	*	*	PUNCT
easat-6664	231	1	128.05	128.05	NUM
easat-6664	231	2	*	*	PUNCT
easat-6664	231	3	*	*	PUNCT
easat-6664	231	4	*	*	PUNCT
easat-6664	231	5	slope	slope	NOUN
easat-6664	231	6	heterogeneity	heterogeneity	PROPN
easat-6664	231	7	delta	delta	PROPN
easat-6664	231	8	17.780	17.780	NUM
easat-6664	231	9	*	*	PUNCT
easat-6664	231	10	*	*	PUNCT
easat-6664	231	11	*	*	PUNCT
easat-6664	231	12	adj	adj	X
easat-6664	231	13	.	.	PROPN
easat-6664	231	14	25.508	25.508	NUM
easat-6664	231	15	*	*	PUNCT
easat-6664	231	16	*	*	PUNCT
easat-6664	231	17	*	*	PUNCT
easat-6664	231	18	note	note	NOUN
easat-6664	231	19	:	:	PUNCT
easat-6664	231	20	*	*	PUNCT
easat-6664	231	21	*	*	PUNCT
easat-6664	231	22	*	*	PUNCT
easat-6664	231	23	indicates	indicate	VERB
easat-6664	231	24	significance	significance	NOUN
easat-6664	231	25	level	level	NOUN
easat-6664	231	26	of	of	ADP
easat-6664	231	27	1	1	NUM
easat-6664	231	28	%	%	NOUN
easat-6664	231	29	.	.	PUNCT
easat-6664	232	1	table	table	NOUN
easat-6664	232	2	4	4	NUM
easat-6664	232	3	.	.	PUNCT
easat-6664	233	1	bqr	bqr	PROPN
easat-6664	233	2	results	result	NOUN
easat-6664	233	3	.	.	PUNCT
easat-6664	234	1	variables	variable	NOUN
easat-6664	234	2	quantile	quantile	VERB
easat-6664	234	3	:	:	PUNCT
easat-6664	234	4	0.10	0.10	NUM
easat-6664	234	5	quantile	quantile	NOUN
easat-6664	234	6	:	:	PUNCT
easat-6664	234	7	0.25	0.25	NUM
easat-6664	234	8	quantile	quantile	NOUN
easat-6664	234	9	:	:	PUNCT
easat-6664	234	10	0.50	0.50	NUM
easat-6664	234	11	mean	mean	VERB
easat-6664	234	12	lower	low	ADJ
easat-6664	234	13	upper	upper	ADJ
easat-6664	234	14	mean	mean	NOUN
easat-6664	234	15	lower	low	ADJ
easat-6664	234	16	upper	upper	ADJ
easat-6664	234	17	mean	mean	NOUN
easat-6664	234	18	lower	low	ADJ
easat-6664	234	19	upper	upper	ADJ
easat-6664	234	20	dfi	dfi	PROPN
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easat-6664	234	22	-2.8825	-2.8825	PROPN
easat-6664	234	23	-0.1559	-0.1559	PROPN
easat-6664	234	24	-2.3992	-2.3992	PROPN
easat-6664	234	25	-3.6100	-3.6100	PROPN
easat-6664	234	26	-1.2568	-1.2568	PROPN
easat-6664	235	1	-2.4743	-2.4743	PROPN
easat-6664	235	2	-3.5019	-3.5019	PROPN
easat-6664	235	3	-1.4241	-1.4241	PROPN
easat-6664	236	1	fd	fd	PROPN
easat-6664	236	2	-0.8097	-0.8097	PROPN
easat-6664	236	3	-2.2353	-2.2353	PROPN
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easat-6664	236	6	-0.0927	-0.0927	X
easat-6664	237	1	0.8495	0.8495	NUM
easat-6664	237	2	0.0405	0.0405	NUM
easat-6664	237	3	-0.7463	-0.7463	NOUN
easat-6664	237	4	0.8710	0.8710	NUM
easat-6664	237	5	gdp	gdp	NOUN
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easat-6664	238	1	0.0084	0.0084	NUM
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easat-6664	238	4	-0.0118	-0.0118	PROPN
easat-6664	239	1	-0.0713	-0.0713	PROPN
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easat-6664	239	3	0.3431	0.3431	NUM
easat-6664	239	4	fdi	fdi	NOUN
easat-6664	239	5	0.0051	0.0051	NUM
easat-6664	239	6	-0.0004	-0.0004	NOUN
easat-6664	240	1	0.0096	0.0096	NUM
easat-6664	240	2	0.0040	0.0040	NUM
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easat-6664	240	5	0.0003	0.0003	NUM
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easat-6664	240	8	pop	pop	NOUN
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easat-6664	241	1	-0.4635	-0.4635	PROPN
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easat-6664	242	1	-0.9944	-0.9944	X
easat-6664	242	2	-1.0988	-1.0988	PROPN
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easat-6664	242	4	ur	ur	VERB
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easat-6664	243	10	inf	inf	NOUN
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easat-6664	243	20	c	c	PROPN
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easat-6664	243	31	quantile	quantile	NOUN
easat-6664	243	32	:	:	PUNCT
easat-6664	243	33	0.75	0.75	NUM
easat-6664	243	34	quantile	quantile	NOUN
easat-6664	243	35	:	:	PUNCT
easat-6664	243	36	0.90	0.90	NUM
easat-6664	243	37	dfi	dfi	PROPN
easat-6664	243	38	-2.7814	-2.7814	PROPN
easat-6664	243	39	-3.9562	-3.9562	PROPN
easat-6664	243	40	-1.6497	-1.6497	PROPN
easat-6664	244	1	-5.0631	-5.0631	PROPN
easat-6664	244	2	-8.0491	-8.0491	VERB
easat-6664	244	3	-2.4610	-2.4610	PUNCT
easat-6664	245	1	fd	fd	PROPN
easat-6664	245	2	0.0540	0.0540	NUM
easat-6664	245	3	-0.8277	-0.8277	NOUN
easat-6664	246	1	0.9261	0.9261	NUM
easat-6664	246	2	1.2510	1.2510	NUM
easat-6664	246	3	-0.4143	-0.4143	NOUN
easat-6664	246	4	2.4098	2.4098	NUM
easat-6664	246	5	gdp	gdp	NOUN
easat-6664	246	6	-0.0760	-0.0760	PROPN
easat-6664	246	7	-0.1065	-0.1065	PROPN
easat-6664	246	8	-0.0427	-0.0427	PUNCT
easat-6664	247	1	-0.1679	-0.1679	PROPN
easat-6664	247	2	-0.2228	-0.2228	PROPN
easat-6664	247	3	-0.1164	-0.1164	PROPN
easat-6664	248	1	fdi	fdi	NOUN
easat-6664	248	2	0.0007	0.0007	NUM
easat-6664	248	3	-0.0036	-0.0036	NOUN
easat-6664	248	4	0.0053	0.0053	NUM
easat-6664	248	5	0.0053	0.0053	NUM
easat-6664	248	6	-0.0102	-0.0102	NOUN
easat-6664	248	7	0.0173	0.0173	NUM
easat-6664	248	8	pop	pop	NOUN
easat-6664	248	9	-1.1064	-1.1064	PROPN
easat-6664	248	10	-1.2148	-1.2148	PROPN
easat-6664	248	11	-0.9828	-0.9828	PROPN
easat-6664	248	12	-0.8218	-0.8218	PROPN
easat-6664	249	1	-0.9333	-0.9333	PROPN
easat-6664	249	2	-0.7204	-0.7204	PROPN
easat-6664	250	1	ur	ur	INTJ
easat-6664	250	2	0.0236	0.0236	NUM
easat-6664	250	3	0.0160	0.0160	NUM
easat-6664	250	4	0.0320	0.0320	NUM
easat-6664	250	5	-0.0298	-0.0298	NOUN
easat-6664	250	6	-0.0512	-0.0512	PROPN
easat-6664	250	7	-0.0089	-0.0089	NOUN
easat-6664	250	8	inf	inf	PROPN
easat-6664	250	9	-0.0037	-0.0037	NOUN
easat-6664	250	10	-0.0268	-0.0268	PART
easat-6664	251	1	0.0168	0.0168	NUM
easat-6664	251	2	0.0543	0.0543	NUM
easat-6664	251	3	-0.0037	-0.0037	NOUN
easat-6664	251	4	0.0986	0.0986	NUM
easat-6664	251	5	c	c	NOUN
easat-6664	251	6	7.7315	7.7315	NUM
easat-6664	251	7	7.1382	7.1382	NUM
easat-6664	251	8	8.2827	8.2827	NUM
easat-6664	251	9	19.1205	19.1205	NUM
easat-6664	251	10	18.0919	18.0919	NUM
easat-6664	251	11	20.4706	20.4706	NUM
easat-6664	251	12	4.2	4.2	NUM
easat-6664	251	13	.	.	PUNCT
easat-6664	252	1	bqr	bqr	PROPN
easat-6664	252	2	results	result	NOUN
easat-6664	252	3	and	and	CCONJ
easat-6664	252	4	discussion	discussion	VERB
easat-6664	252	5	the	the	DET
easat-6664	252	6	results	result	NOUN
easat-6664	252	7	of	of	ADP
easat-6664	252	8	the	the	DET
easat-6664	252	9	bayesian	bayesian	NOUN
easat-6664	252	10	quantile	quantile	NOUN
easat-6664	252	11	regression	regression	NOUN
easat-6664	252	12	(	(	PUNCT
easat-6664	252	13	bqr	bqr	PROPN
easat-6664	252	14	)	)	PUNCT
easat-6664	252	15	regarding	regard	VERB
easat-6664	252	16	the	the	DET
easat-6664	252	17	impact	impact	NOUN
easat-6664	252	18	of	of	ADP
easat-6664	252	19	dfi	dfi	PROPN
easat-6664	252	20	and	and	CCONJ
easat-6664	252	21	fd	fd	VERB
easat-6664	252	22	on	on	ADP
easat-6664	252	23	une	une	PROPN
easat-6664	252	24	across	across	ADP
easat-6664	252	25	112	112	NUM
easat-6664	252	26	countries	country	NOUN
easat-6664	252	27	from	from	ADP
easat-6664	252	28	2002	2002	NUM
easat-6664	252	29	to	to	ADP
easat-6664	252	30	2022	2022	NUM
easat-6664	252	31	are	be	AUX
easat-6664	252	32	presented	present	VERB
easat-6664	252	33	in	in	ADP
easat-6664	252	34	table	table	NOUN
easat-6664	252	35	4	4	NUM
easat-6664	252	36	.	.	PUNCT
easat-6664	253	1	we	we	PRON
easat-6664	253	2	used	use	VERB
easat-6664	253	3	five	five	NUM
easat-6664	253	4	quantiles	quantile	NOUN
easat-6664	253	5	:	:	PUNCT
easat-6664	253	6	0.1	0.1	NUM
easat-6664	253	7	,	,	PUNCT
easat-6664	253	8	0.25	0.25	NUM
easat-6664	253	9	,	,	PUNCT
easat-6664	253	10	0.50	0.50	NUM
easat-6664	253	11	,	,	PUNCT
easat-6664	253	12	0.75	0.75	NUM
easat-6664	253	13	,	,	PUNCT
easat-6664	253	14	and	and	CCONJ
easat-6664	253	15	0.9	0.9	NUM
easat-6664	253	16	.	.	PUNCT
easat-6664	254	1	as	as	SCONJ
easat-6664	254	2	shown	show	VERB
easat-6664	254	3	,	,	PUNCT
easat-6664	254	4	dfi	dfi	PROPN
easat-6664	254	5	has	have	VERB
easat-6664	254	6	a	a	DET
easat-6664	254	7	negative	negative	ADJ
easat-6664	254	8	effect	effect	NOUN
easat-6664	254	9	on	on	ADP
easat-6664	254	10	une	une	PROPN
easat-6664	254	11	at	at	ADV
easat-6664	254	12	all	all	DET
easat-6664	254	13	quantiles	quantile	NOUN
easat-6664	254	14	.	.	PUNCT
easat-6664	255	1	this	this	PRON
easat-6664	255	2	suggests	suggest	VERB
easat-6664	255	3	that	that	SCONJ
easat-6664	255	4	dfi	dfi	PROPN
easat-6664	255	5	contributes	contribute	VERB
easat-6664	255	6	to	to	ADP
easat-6664	255	7	a	a	DET
easat-6664	255	8	reduction	reduction	NOUN
easat-6664	255	9	in	in	ADP
easat-6664	255	10	unemployment	unemployment	NOUN
easat-6664	255	11	rates	rate	NOUN
easat-6664	255	12	across	across	ADP
easat-6664	255	13	these	these	DET
easat-6664	255	14	countries	country	NOUN
easat-6664	255	15	,	,	PUNCT
easat-6664	255	16	indicating	indicate	VERB
easat-6664	255	17	that	that	SCONJ
easat-6664	255	18	digital	digital	ADJ
easat-6664	255	19	financial	financial	ADJ
easat-6664	255	20	inclusion	inclusion	NOUN
easat-6664	255	21	plays	play	VERB
easat-6664	255	22	a	a	DET
easat-6664	255	23	role	role	NOUN
easat-6664	255	24	in	in	ADP
easat-6664	255	25	lowering	lower	VERB
easat-6664	255	26	unemployment	unemployment	NOUN
easat-6664	255	27	levels	level	NOUN
easat-6664	255	28	,	,	PUNCT
easat-6664	255	29	regardless	regardless	ADV
easat-6664	255	30	of	of	ADP
easat-6664	255	31	the	the	DET
easat-6664	255	32	specific	specific	ADJ
easat-6664	255	33	quantile	quantile	NOUN
easat-6664	255	34	.	.	PUNCT
easat-6664	256	1	the	the	DET
easat-6664	256	2	impact	impact	NOUN
easat-6664	256	3	is	be	AUX
easat-6664	256	4	consistent	consistent	ADJ
easat-6664	256	5	across	across	ADP
easat-6664	256	6	the	the	DET
easat-6664	256	7	distribution	distribution	NOUN
easat-6664	256	8	of	of	ADP
easat-6664	256	9	unemployment	unemployment	NOUN
easat-6664	256	10	,	,	PUNCT
easat-6664	256	11	implying	imply	VERB
easat-6664	256	12	that	that	SCONJ
easat-6664	256	13	the	the	DET
easat-6664	256	14	benefits	benefit	NOUN
easat-6664	256	15	of	of	ADP
easat-6664	256	16	dfi	dfi	PROPN
easat-6664	256	17	in	in	ADP
easat-6664	256	18	enhancing	enhance	VERB
easat-6664	256	19	financial	financial	ADJ
easat-6664	256	20	access	access	NOUN
easat-6664	256	21	and	and	CCONJ
easat-6664	256	22	fostering	foster	VERB
easat-6664	256	23	economic	economic	ADJ
easat-6664	256	24	activities	activity	NOUN
easat-6664	256	25	are	be	AUX
easat-6664	256	26	broadly	broadly	ADV
easat-6664	256	27	felt	feel	VERB
easat-6664	256	28	in	in	ADP
easat-6664	256	29	both	both	CCONJ
easat-6664	256	30	low	low	ADJ
easat-6664	256	31	and	and	CCONJ
easat-6664	256	32	high	high	ADJ
easat-6664	256	33	unemployment	unemployment	NOUN
easat-6664	256	34	contexts	contexts	NOUN
easat-6664	256	35	.	.	PUNCT
easat-6664	257	1	when	when	SCONJ
easat-6664	257	2	comparing	compare	VERB
easat-6664	257	3	these	these	DET
easat-6664	257	4	findings	finding	NOUN
easat-6664	257	5	with	with	ADP
easat-6664	257	6	previous	previous	ADJ
easat-6664	257	7	studies	study	NOUN
easat-6664	257	8	by	by	ADP
easat-6664	257	9	amakor	amakor	PROPN
easat-6664	257	10	and	and	CCONJ
easat-6664	257	11	eneh	eneh	NOUN
easat-6664	258	1	[	[	X
easat-6664	258	2	20	20	NUM
easat-6664	258	3	]	]	PUNCT
easat-6664	258	4	;	;	PUNCT
easat-6664	258	5	sakanko	sakanko	ADJ
easat-6664	258	6	,	,	PUNCT
easat-6664	258	7	et	et	PROPN
easat-6664	258	8	al	al	PROPN
easat-6664	258	9	.	.	PUNCT
easat-6664	259	1	[	[	X
easat-6664	259	2	21	21	NUM
easat-6664	259	3	]	]	X
easat-6664	259	4	;	;	PUNCT
easat-6664	259	5	mehry	mehry	NOUN
easat-6664	259	6	,	,	PUNCT
easat-6664	259	7	et	et	PROPN
easat-6664	259	8	al	al	PROPN
easat-6664	259	9	.	.	PUNCT
easat-6664	260	1	[	[	X
easat-6664	260	2	22	22	NUM
easat-6664	260	3	]	]	PUNCT
easat-6664	260	4	;	;	PUNCT
easat-6664	260	5	okeke	okeke	ADJ
easat-6664	260	6	,	,	PUNCT
easat-6664	260	7	et	et	PROPN
easat-6664	260	8	al	al	PROPN
easat-6664	260	9	.	.	PUNCT
easat-6664	261	1	[	[	X
easat-6664	261	2	25	25	NUM
easat-6664	261	3	]	]	X
easat-6664	261	4	;	;	PUNCT
easat-6664	261	5	wibowo	wibowo	PROPN
easat-6664	261	6	,	,	PUNCT
easat-6664	261	7	et	et	PROPN
easat-6664	261	8	al	al	PROPN
easat-6664	261	9	.	.	PUNCT
easat-6664	262	1	[	[	X
easat-6664	262	2	26	26	NUM
easat-6664	262	3	]	]	PUNCT
easat-6664	262	4	and	and	CCONJ
easat-6664	262	5	wu	wu	PROPN
easat-6664	262	6	,	,	PUNCT
easat-6664	262	7	et	et	PROPN
easat-6664	262	8	al	al	PROPN
easat-6664	262	9	.	.	PUNCT
easat-6664	263	1	[	[	X
easat-6664	263	2	27	27	NUM
easat-6664	263	3	]	]	PUNCT
easat-6664	263	4	which	which	PRON
easat-6664	263	5	explored	explore	VERB
easat-6664	263	6	the	the	DET
easat-6664	263	7	impact	impact	NOUN
easat-6664	263	8	of	of	ADP
easat-6664	263	9	fi	fi	NOUN
easat-6664	263	10	on	on	ADP
easat-6664	263	11	une	une	PROPN
easat-6664	263	12	,	,	PUNCT
easat-6664	263	13	this	this	DET
easat-6664	263	14	research	research	NOUN
easat-6664	263	15	provides	provide	VERB
easat-6664	263	16	additional	additional	ADJ
easat-6664	263	17	evidence	evidence	NOUN
easat-6664	263	18	on	on	ADP
easat-6664	263	19	the	the	DET
easat-6664	263	20	direct	direct	ADJ
easat-6664	263	21	influence	influence	NOUN
easat-6664	263	22	of	of	ADP
easat-6664	263	23	dfi	dfi	PROPN
easat-6664	263	24	—	—	PUNCT
easat-6664	263	25	a	a	DET
easat-6664	263	26	form	form	NOUN
easat-6664	263	27	of	of	ADP
easat-6664	263	28	fi	fi	NOUN
easat-6664	263	29	facilitated	facilitate	VERB
easat-6664	263	30	by	by	ADP
easat-6664	263	31	digital	digital	ADJ
easat-6664	263	32	means	mean	NOUN
easat-6664	263	33	—	—	PUNCT
easat-6664	263	34	on	on	ADP
easat-6664	263	35	une	une	PROPN
easat-6664	263	36	.	.	PUNCT
easat-6664	264	1	while	while	SCONJ
easat-6664	264	2	earlier	early	ADJ
easat-6664	264	3	studies	study	NOUN
easat-6664	264	4	established	establish	VERB
easat-6664	264	5	a	a	DET
easat-6664	264	6	link	link	NOUN
easat-6664	264	7	between	between	ADP
easat-6664	264	8	financial	financial	ADJ
easat-6664	264	9	inclusion	inclusion	NOUN
easat-6664	264	10	and	and	CCONJ
easat-6664	264	11	unemployment	unemployment	NOUN
easat-6664	264	12	reduction	reduction	NOUN
easat-6664	264	13	,	,	PUNCT
easat-6664	264	14	this	this	DET
easat-6664	264	15	study	study	NOUN
easat-6664	264	16	expands	expand	VERB
easat-6664	264	17	on	on	ADP
easat-6664	264	18	that	that	PRON
easat-6664	264	19	by	by	ADP
easat-6664	264	20	focusing	focus	VERB
easat-6664	264	21	specifically	specifically	ADV
easat-6664	264	22	on	on	ADP
easat-6664	264	23	the	the	DET
easat-6664	264	24	digital	digital	ADJ
easat-6664	264	25	aspect	aspect	NOUN
easat-6664	264	26	of	of	ADP
easat-6664	264	27	financial	financial	ADJ
easat-6664	264	28	inclusion	inclusion	NOUN
easat-6664	264	29	,	,	PUNCT
easat-6664	264	30	offering	offer	VERB
easat-6664	264	31	a	a	DET
easat-6664	264	32	more	more	ADV
easat-6664	264	33	nuanced	nuanced	ADJ
easat-6664	264	34	perspective	perspective	NOUN
easat-6664	264	35	on	on	ADP
easat-6664	264	36	its	its	PRON
easat-6664	264	37	role	role	NOUN
easat-6664	264	38	in	in	ADP
easat-6664	264	39	addressing	address	VERB
easat-6664	264	40	unemployment	unemployment	NOUN
easat-6664	264	41	in	in	ADP
easat-6664	264	42	the	the	DET
easat-6664	264	43	modern	modern	ADJ
easat-6664	264	44	economy	economy	NOUN
easat-6664	264	45	.	.	PUNCT
easat-6664	265	1	the	the	DET
easat-6664	265	2	findings	finding	NOUN
easat-6664	265	3	support	support	NOUN
easat-6664	265	4	hypothesis	hypothesis	NOUN
easat-6664	265	5	1	1	NUM
easat-6664	265	6	(	(	PUNCT
easat-6664	265	7	h1	h1	PROPN
easat-6664	265	8	)	)	PUNCT
easat-6664	265	9	initially	initially	ADV
easat-6664	265	10	proposed	propose	VERB
easat-6664	265	11	,	,	PUNCT
easat-6664	265	12	aligning	align	VERB
easat-6664	265	13	with	with	ADP
easat-6664	265	14	the	the	DET
easat-6664	265	15	theories	theory	NOUN
easat-6664	265	16	of	of	ADP
easat-6664	265	17	asymmetric	asymmetric	ADJ
easat-6664	265	18	information	information	NOUN
easat-6664	265	19	theory	theory	NOUN
easat-6664	265	20	[	[	X
easat-6664	265	21	17	17	NUM
easat-6664	265	22	]	]	X
easat-6664	265	23	financial	financial	ADJ
easat-6664	265	24	intermediation	intermediation	NOUN
easat-6664	265	25	theory	theory	NOUN
easat-6664	265	26	[	[	X
easat-6664	265	27	18	18	NUM
easat-6664	265	28	]	]	PUNCT
easat-6664	265	29	and	and	CCONJ
easat-6664	265	30	labor	labor	NOUN
easat-6664	265	31	supply	supply	NOUN
easat-6664	265	32	and	and	CCONJ
easat-6664	265	33	demand	demand	NOUN
easat-6664	265	34	theory	theory	NOUN
easat-6664	265	35	[	[	X
easat-6664	265	36	19	19	NUM
easat-6664	265	37	]	]	PUNCT
easat-6664	265	38	.	.	PUNCT
easat-6664	266	1	these	these	DET
easat-6664	266	2	theories	theory	NOUN
easat-6664	266	3	emphasize	emphasize	VERB
easat-6664	266	4	that	that	SCONJ
easat-6664	266	5	better	well	ADJ
easat-6664	266	6	access	access	NOUN
easat-6664	266	7	to	to	ADP
easat-6664	266	8	2871	2871	NUM
easat-6664	266	9	edelweiss	edelweiss	PROPN
easat-6664	266	10	applied	apply	VERB
easat-6664	266	11	science	science	NOUN
easat-6664	266	12	and	and	CCONJ
easat-6664	266	13	technology	technology	NOUN
easat-6664	266	14	issn	issn	PROPN
easat-6664	266	15	:	:	PUNCT
easat-6664	266	16	2576	2576	NUM
easat-6664	266	17	-	-	SYM
easat-6664	266	18	8484	8484	NUM
easat-6664	266	19	vol	vol	NOUN
easat-6664	266	20	.	.	PROPN
easat-6664	267	1	9	9	NUM
easat-6664	267	2	,	,	PUNCT
easat-6664	267	3	no	no	INTJ
easat-6664	267	4	.	.	NOUN
easat-6664	267	5	4	4	NUM
easat-6664	267	6	:	:	SYM
easat-6664	267	7	2862	2862	NUM
easat-6664	267	8	-	-	SYM
easat-6664	267	9	2876	2876	NUM
easat-6664	267	10	,	,	PUNCT
easat-6664	267	11	2025	2025	NUM
easat-6664	267	12	doi	doi	NOUN
easat-6664	267	13	:	:	PUNCT
easat-6664	267	14	10.55214/25768484.v9i4.6664	10.55214/25768484.v9i4.6664	NUM
easat-6664	267	15	©	©	PROPN
easat-6664	267	16	2025	2025	NUM
easat-6664	267	17	by	by	ADP
easat-6664	267	18	the	the	DET
easat-6664	267	19	authors	author	NOUN
easat-6664	267	20	;	;	PUNCT
easat-6664	267	21	licensee	licensee	PROPN
easat-6664	267	22	learning	learning	NOUN
easat-6664	267	23	gate	gate	PROPN
easat-6664	267	24	financial	financial	ADJ
easat-6664	267	25	services	service	NOUN
easat-6664	267	26	can	can	AUX
easat-6664	267	27	improve	improve	VERB
easat-6664	267	28	labor	labor	NOUN
easat-6664	267	29	market	market	NOUN
easat-6664	267	30	outcomes	outcome	NOUN
easat-6664	267	31	by	by	ADP
easat-6664	267	32	facilitating	facilitate	VERB
easat-6664	267	33	information	information	NOUN
easat-6664	267	34	flow	flow	NOUN
easat-6664	267	35	,	,	PUNCT
easat-6664	267	36	reducing	reduce	VERB
easat-6664	267	37	financial	financial	ADJ
easat-6664	267	38	barriers	barrier	NOUN
easat-6664	267	39	,	,	PUNCT
easat-6664	267	40	and	and	CCONJ
easat-6664	267	41	promoting	promote	VERB
easat-6664	267	42	efficient	efficient	ADJ
easat-6664	267	43	allocation	allocation	NOUN
easat-6664	267	44	of	of	ADP
easat-6664	267	45	labor	labor	NOUN
easat-6664	267	46	and	and	CCONJ
easat-6664	267	47	capital	capital	NOUN
easat-6664	267	48	,	,	PUNCT
easat-6664	267	49	ultimately	ultimately	ADV
easat-6664	267	50	leading	lead	VERB
easat-6664	267	51	to	to	ADP
easat-6664	267	52	lower	low	ADJ
easat-6664	267	53	unemployment	unemployment	NOUN
easat-6664	267	54	.	.	PUNCT
easat-6664	268	1	the	the	DET
easat-6664	268	2	findings	finding	NOUN
easat-6664	268	3	regarding	regard	VERB
easat-6664	268	4	the	the	DET
easat-6664	268	5	impact	impact	NOUN
easat-6664	268	6	of	of	ADP
easat-6664	268	7	fd	fd	PROPN
easat-6664	268	8	on	on	ADP
easat-6664	268	9	une	une	PROPN
easat-6664	268	10	indeed	indeed	ADV
easat-6664	268	11	suggest	suggest	VERB
easat-6664	268	12	a	a	DET
easat-6664	268	13	more	more	ADV
easat-6664	268	14	complex	complex	ADJ
easat-6664	268	15	relationship	relationship	NOUN
easat-6664	268	16	.	.	PUNCT
easat-6664	269	1	as	as	SCONJ
easat-6664	269	2	noted	note	VERB
easat-6664	269	3	,	,	PUNCT
easat-6664	269	4	while	while	SCONJ
easat-6664	269	5	fd	fd	PROPN
easat-6664	269	6	appears	appear	VERB
easat-6664	269	7	to	to	PART
easat-6664	269	8	reduce	reduce	VERB
easat-6664	269	9	unemployment	unemployment	NOUN
easat-6664	269	10	in	in	ADP
easat-6664	269	11	countries	country	NOUN
easat-6664	269	12	with	with	ADP
easat-6664	269	13	lower	low	ADJ
easat-6664	269	14	unemployment	unemployment	NOUN
easat-6664	269	15	rates	rate	NOUN
easat-6664	269	16	(	(	PUNCT
easat-6664	269	17	quantiles	quantile	NOUN
easat-6664	269	18	0.1	0.1	NUM
easat-6664	269	19	and	and	CCONJ
easat-6664	269	20	0.25	0.25	NUM
easat-6664	269	21	)	)	PUNCT
easat-6664	269	22	,	,	PUNCT
easat-6664	269	23	its	its	PRON
easat-6664	269	24	impact	impact	NOUN
easat-6664	269	25	becomes	become	VERB
easat-6664	269	26	more	more	ADV
easat-6664	269	27	adverse	adverse	ADJ
easat-6664	269	28	at	at	ADP
easat-6664	269	29	higher	high	ADJ
easat-6664	269	30	quantiles	quantile	NOUN
easat-6664	269	31	(	(	PUNCT
easat-6664	269	32	0.5	0.5	NUM
easat-6664	269	33	,	,	PUNCT
easat-6664	269	34	0.75	0.75	NUM
easat-6664	269	35	,	,	PUNCT
easat-6664	269	36	and	and	CCONJ
easat-6664	269	37	0.9	0.9	NUM
easat-6664	269	38	)	)	PUNCT
easat-6664	269	39	,	,	PUNCT
easat-6664	269	40	particularly	particularly	ADV
easat-6664	269	41	in	in	ADP
easat-6664	269	42	nations	nation	NOUN
easat-6664	269	43	with	with	ADP
easat-6664	269	44	higher	high	ADJ
easat-6664	269	45	unemployment	unemployment	NOUN
easat-6664	269	46	rates	rate	NOUN
easat-6664	269	47	.	.	PUNCT
easat-6664	270	1	this	this	DET
easat-6664	270	2	complexity	complexity	NOUN
easat-6664	270	3	can	can	AUX
easat-6664	270	4	be	be	AUX
easat-6664	270	5	further	far	ADV
easat-6664	270	6	unpacked	unpack	VERB
easat-6664	270	7	by	by	ADP
easat-6664	270	8	considering	consider	VERB
easat-6664	270	9	the	the	DET
easat-6664	270	10	evolving	evolve	VERB
easat-6664	270	11	dynamics	dynamic	NOUN
easat-6664	270	12	of	of	ADP
easat-6664	270	13	financial	financial	ADJ
easat-6664	270	14	systems	system	NOUN
easat-6664	270	15	,	,	PUNCT
easat-6664	270	16	especially	especially	ADV
easat-6664	270	17	in	in	ADP
easat-6664	270	18	the	the	DET
easat-6664	270	19	digital	digital	ADJ
easat-6664	270	20	age	age	NOUN
easat-6664	270	21	.	.	PUNCT
easat-6664	271	1	in	in	ADP
easat-6664	271	2	the	the	DET
easat-6664	271	3	context	context	NOUN
easat-6664	271	4	of	of	ADP
easat-6664	271	5	the	the	DET
easat-6664	271	6	digital	digital	ADJ
easat-6664	271	7	economy	economy	NOUN
easat-6664	271	8	,	,	PUNCT
easat-6664	271	9	the	the	DET
easat-6664	271	10	impact	impact	NOUN
easat-6664	271	11	of	of	ADP
easat-6664	271	12	financial	financial	ADJ
easat-6664	271	13	development	development	NOUN
easat-6664	271	14	becomes	become	VERB
easat-6664	271	15	multifaceted	multifaceted	ADJ
easat-6664	271	16	.	.	PUNCT
easat-6664	272	1	on	on	ADP
easat-6664	272	2	the	the	DET
easat-6664	272	3	one	one	NUM
easat-6664	272	4	hand	hand	NOUN
easat-6664	272	5	,	,	PUNCT
easat-6664	272	6	financial	financial	ADJ
easat-6664	272	7	development	development	NOUN
easat-6664	272	8	enhances	enhance	VERB
easat-6664	272	9	access	access	NOUN
easat-6664	272	10	to	to	ADP
easat-6664	272	11	capital	capital	NOUN
easat-6664	272	12	,	,	PUNCT
easat-6664	272	13	facilitates	facilitate	VERB
easat-6664	272	14	investment	investment	NOUN
easat-6664	272	15	in	in	ADP
easat-6664	272	16	technology	technology	NOUN
easat-6664	272	17	,	,	PUNCT
easat-6664	272	18	and	and	CCONJ
easat-6664	272	19	improves	improve	VERB
easat-6664	272	20	infrastructure	infrastructure	NOUN
easat-6664	272	21	.	.	PUNCT
easat-6664	273	1	however	however	ADV
easat-6664	273	2	,	,	PUNCT
easat-6664	273	3	on	on	ADP
easat-6664	273	4	the	the	DET
easat-6664	273	5	other	other	ADJ
easat-6664	273	6	hand	hand	NOUN
easat-6664	273	7	,	,	PUNCT
easat-6664	273	8	it	it	PRON
easat-6664	273	9	can	can	AUX
easat-6664	273	10	also	also	ADV
easat-6664	273	11	lead	lead	VERB
easat-6664	273	12	to	to	ADP
easat-6664	273	13	increased	increase	VERB
easat-6664	273	14	automation	automation	NOUN
easat-6664	273	15	and	and	CCONJ
easat-6664	273	16	the	the	DET
easat-6664	273	17	reduction	reduction	NOUN
easat-6664	273	18	of	of	ADP
easat-6664	273	19	demand	demand	NOUN
easat-6664	273	20	for	for	ADP
easat-6664	273	21	low	low	ADJ
easat-6664	273	22	-	-	PUNCT
easat-6664	273	23	skilled	skilled	ADJ
easat-6664	273	24	labor	labor	NOUN
easat-6664	273	25	.	.	PUNCT
easat-6664	274	1	this	this	DET
easat-6664	274	2	shift	shift	NOUN
easat-6664	274	3	towards	towards	ADP
easat-6664	274	4	automation	automation	NOUN
easat-6664	274	5	,	,	PUNCT
easat-6664	274	6	driven	drive	VERB
easat-6664	274	7	by	by	ADP
easat-6664	274	8	the	the	DET
easat-6664	274	9	digitalization	digitalization	NOUN
easat-6664	274	10	of	of	ADP
easat-6664	274	11	industries	industry	NOUN
easat-6664	274	12	,	,	PUNCT
easat-6664	274	13	could	could	AUX
easat-6664	274	14	explain	explain	VERB
easat-6664	274	15	why	why	SCONJ
easat-6664	274	16	fd	fd	PROPN
easat-6664	274	17	might	might	AUX
easat-6664	274	18	exacerbate	exacerbate	VERB
easat-6664	274	19	unemployment	unemployment	NOUN
easat-6664	274	20	in	in	ADP
easat-6664	274	21	certain	certain	ADJ
easat-6664	274	22	contexts	context	NOUN
easat-6664	274	23	,	,	PUNCT
easat-6664	274	24	particularly	particularly	ADV
easat-6664	274	25	in	in	ADP
easat-6664	274	26	countries	country	NOUN
easat-6664	274	27	where	where	SCONJ
easat-6664	274	28	low	low	ADJ
easat-6664	274	29	-	-	PUNCT
easat-6664	274	30	skilled	skilled	ADJ
easat-6664	274	31	labor	labor	NOUN
easat-6664	274	32	constitutes	constitute	VERB
easat-6664	274	33	a	a	DET
easat-6664	274	34	significant	significant	ADJ
easat-6664	274	35	portion	portion	NOUN
easat-6664	274	36	of	of	ADP
easat-6664	274	37	the	the	DET
easat-6664	274	38	workforce	workforce	NOUN
easat-6664	274	39	.	.	PUNCT
easat-6664	275	1	in	in	ADP
easat-6664	275	2	the	the	DET
easat-6664	275	3	digital	digital	ADJ
easat-6664	275	4	age	age	NOUN
easat-6664	275	5	,	,	PUNCT
easat-6664	275	6	many	many	ADJ
easat-6664	275	7	sectors	sector	NOUN
easat-6664	275	8	increasingly	increasingly	ADV
easat-6664	275	9	prioritize	prioritize	VERB
easat-6664	275	10	skilled	skilled	ADJ
easat-6664	275	11	,	,	PUNCT
easat-6664	275	12	tech	tech	NOUN
easat-6664	275	13	-	-	PUNCT
easat-6664	275	14	savvy	savvy	ADJ
easat-6664	275	15	employees	employee	NOUN
easat-6664	275	16	,	,	PUNCT
easat-6664	275	17	which	which	PRON
easat-6664	275	18	could	could	AUX
easat-6664	275	19	marginalize	marginalize	VERB
easat-6664	275	20	individuals	individual	NOUN
easat-6664	275	21	without	without	ADP
easat-6664	275	22	these	these	DET
easat-6664	275	23	skills	skill	NOUN
easat-6664	275	24	,	,	PUNCT
easat-6664	275	25	thus	thus	ADV
easat-6664	275	26	contributing	contribute	VERB
easat-6664	275	27	to	to	ADP
easat-6664	275	28	higher	high	ADJ
easat-6664	275	29	unemployment	unemployment	NOUN
easat-6664	275	30	rates	rate	NOUN
easat-6664	275	31	,	,	PUNCT
easat-6664	275	32	especially	especially	ADV
easat-6664	275	33	in	in	ADP
easat-6664	275	34	higher	high	ADJ
easat-6664	275	35	unemployment	unemployment	NOUN
easat-6664	275	36	countries	country	NOUN
easat-6664	275	37	.	.	PUNCT
easat-6664	276	1	for	for	ADP
easat-6664	276	2	example	example	NOUN
easat-6664	276	3	,	,	PUNCT
easat-6664	276	4	nations	nation	NOUN
easat-6664	276	5	like	like	ADP
easat-6664	276	6	sweden	sweden	PROPN
easat-6664	276	7	,	,	PUNCT
easat-6664	276	8	switzerland	switzerland	PROPN
easat-6664	276	9	,	,	PUNCT
easat-6664	276	10	france	france	PROPN
easat-6664	276	11	,	,	PUNCT
easat-6664	276	12	and	and	CCONJ
easat-6664	276	13	italy	italy	PROPN
easat-6664	276	14	,	,	PUNCT
easat-6664	276	15	which	which	PRON
easat-6664	276	16	exhibit	exhibit	VERB
easat-6664	276	17	advanced	advanced	ADJ
easat-6664	276	18	financial	financial	ADJ
easat-6664	276	19	systems	system	NOUN
easat-6664	276	20	and	and	CCONJ
easat-6664	276	21	higher	high	ADJ
easat-6664	276	22	levels	level	NOUN
easat-6664	276	23	of	of	ADP
easat-6664	276	24	financial	financial	ADJ
easat-6664	276	25	development	development	NOUN
easat-6664	276	26	,	,	PUNCT
easat-6664	276	27	also	also	ADV
easat-6664	276	28	tend	tend	VERB
easat-6664	276	29	to	to	PART
easat-6664	276	30	have	have	VERB
easat-6664	276	31	relatively	relatively	ADV
easat-6664	276	32	high	high	ADJ
easat-6664	276	33	unemployment	unemployment	NOUN
easat-6664	276	34	rates	rate	NOUN
easat-6664	276	35	.	.	PUNCT
easat-6664	277	1	this	this	DET
easat-6664	277	2	paradoxical	paradoxical	ADJ
easat-6664	277	3	situation	situation	NOUN
easat-6664	277	4	can	can	AUX
easat-6664	277	5	be	be	AUX
easat-6664	277	6	attributed	attribute	VERB
easat-6664	277	7	to	to	ADP
easat-6664	277	8	the	the	DET
easat-6664	277	9	fact	fact	NOUN
easat-6664	277	10	that	that	SCONJ
easat-6664	277	11	these	these	DET
easat-6664	277	12	countries	country	NOUN
easat-6664	277	13	,	,	PUNCT
easat-6664	277	14	despite	despite	SCONJ
easat-6664	277	15	their	their	PRON
easat-6664	277	16	strong	strong	ADJ
easat-6664	277	17	financial	financial	ADJ
easat-6664	277	18	sectors	sector	NOUN
easat-6664	277	19	,	,	PUNCT
easat-6664	277	20	face	face	VERB
easat-6664	277	21	challenges	challenge	NOUN
easat-6664	277	22	related	relate	VERB
easat-6664	277	23	to	to	ADP
easat-6664	277	24	automation	automation	NOUN
easat-6664	277	25	and	and	CCONJ
easat-6664	277	26	the	the	DET
easat-6664	277	27	displacement	displacement	NOUN
easat-6664	277	28	of	of	ADP
easat-6664	277	29	workers	worker	NOUN
easat-6664	277	30	in	in	ADP
easat-6664	277	31	industries	industry	NOUN
easat-6664	277	32	that	that	PRON
easat-6664	277	33	traditionally	traditionally	ADV
easat-6664	277	34	employed	employ	VERB
easat-6664	277	35	lower	lower	ADV
easat-6664	277	36	-	-	PUNCT
easat-6664	277	37	skilled	skilled	ADJ
easat-6664	277	38	labor	labor	NOUN
easat-6664	277	39	.	.	PUNCT
easat-6664	278	1	as	as	SCONJ
easat-6664	278	2	financial	financial	ADJ
easat-6664	278	3	development	development	NOUN
easat-6664	278	4	increasingly	increasingly	ADV
easat-6664	278	5	integrates	integrate	VERB
easat-6664	278	6	technology	technology	NOUN
easat-6664	278	7	,	,	PUNCT
easat-6664	278	8	it	it	PRON
easat-6664	278	9	can	can	AUX
easat-6664	278	10	unintentionally	unintentionally	ADV
easat-6664	278	11	leave	leave	VERB
easat-6664	278	12	behind	behind	ADP
easat-6664	278	13	a	a	DET
easat-6664	278	14	segment	segment	NOUN
easat-6664	278	15	of	of	ADP
easat-6664	278	16	the	the	DET
easat-6664	278	17	workforce	workforce	NOUN
easat-6664	278	18	that	that	PRON
easat-6664	278	19	is	be	AUX
easat-6664	278	20	not	not	PART
easat-6664	278	21	equipped	equip	VERB
easat-6664	278	22	with	with	ADP
easat-6664	278	23	the	the	DET
easat-6664	278	24	technical	technical	ADJ
easat-6664	278	25	skills	skill	NOUN
easat-6664	278	26	demanded	demand	VERB
easat-6664	278	27	by	by	ADP
easat-6664	278	28	emerging	emerge	VERB
easat-6664	278	29	industries	industry	NOUN
easat-6664	278	30	.	.	PUNCT
easat-6664	279	1	moreover	moreover	ADV
easat-6664	279	2	,	,	PUNCT
easat-6664	279	3	in	in	ADP
easat-6664	279	4	these	these	DET
easat-6664	279	5	economies	economy	NOUN
easat-6664	279	6	,	,	PUNCT
easat-6664	279	7	the	the	DET
easat-6664	279	8	push	push	NOUN
easat-6664	279	9	toward	toward	ADP
easat-6664	279	10	financial	financial	ADJ
easat-6664	279	11	innovation	innovation	NOUN
easat-6664	279	12	,	,	PUNCT
easat-6664	279	13	particularly	particularly	ADV
easat-6664	279	14	digital	digital	ADJ
easat-6664	279	15	finance	finance	NOUN
easat-6664	279	16	and	and	CCONJ
easat-6664	279	17	fintech	fintech	NOUN
easat-6664	279	18	,	,	PUNCT
easat-6664	279	19	could	could	AUX
easat-6664	279	20	lead	lead	VERB
easat-6664	279	21	to	to	ADP
easat-6664	279	22	a	a	DET
easat-6664	279	23	more	more	ADV
easat-6664	279	24	competitive	competitive	ADJ
easat-6664	279	25	job	job	NOUN
easat-6664	279	26	market	market	NOUN
easat-6664	279	27	,	,	PUNCT
easat-6664	279	28	where	where	SCONJ
easat-6664	279	29	high	high	ADJ
easat-6664	279	30	-	-	PUNCT
easat-6664	279	31	skilled	skilled	ADJ
easat-6664	279	32	workers	worker	NOUN
easat-6664	279	33	are	be	AUX
easat-6664	279	34	in	in	ADP
easat-6664	279	35	greater	great	ADJ
easat-6664	279	36	demand	demand	NOUN
easat-6664	279	37	while	while	SCONJ
easat-6664	279	38	low	low	ADJ
easat-6664	279	39	-	-	PUNCT
easat-6664	279	40	skilled	skilled	ADJ
easat-6664	279	41	workers	worker	NOUN
easat-6664	279	42	face	face	VERB
easat-6664	279	43	more	more	ADJ
easat-6664	279	44	limited	limited	ADJ
easat-6664	279	45	employment	employment	NOUN
easat-6664	279	46	opportunities	opportunity	NOUN
easat-6664	279	47	.	.	PUNCT
easat-6664	280	1	the	the	DET
easat-6664	280	2	shift	shift	NOUN
easat-6664	280	3	in	in	ADP
easat-6664	280	4	employment	employment	NOUN
easat-6664	280	5	patterns	pattern	NOUN
easat-6664	280	6	may	may	AUX
easat-6664	280	7	thus	thus	ADV
easat-6664	280	8	contribute	contribute	VERB
easat-6664	280	9	to	to	ADP
easat-6664	280	10	rising	rise	VERB
easat-6664	280	11	unemployment	unemployment	NOUN
easat-6664	280	12	,	,	PUNCT
easat-6664	280	13	particularly	particularly	ADV
easat-6664	280	14	at	at	ADP
easat-6664	280	15	higher	high	ADJ
easat-6664	280	16	quantiles	quantile	NOUN
easat-6664	280	17	where	where	SCONJ
easat-6664	280	18	unemployment	unemployment	NOUN
easat-6664	280	19	rates	rate	NOUN
easat-6664	280	20	are	be	AUX
easat-6664	280	21	already	already	ADV
easat-6664	280	22	more	more	ADV
easat-6664	280	23	pronounced	pronounced	ADJ
easat-6664	280	24	.	.	PUNCT
easat-6664	281	1	therefore	therefore	ADV
easat-6664	281	2	,	,	PUNCT
easat-6664	281	3	the	the	DET
easat-6664	281	4	complexity	complexity	NOUN
easat-6664	281	5	of	of	ADP
easat-6664	281	6	fd	fd	PROPN
easat-6664	281	7	’s	’s	PART
easat-6664	281	8	impact	impact	NOUN
easat-6664	281	9	on	on	ADP
easat-6664	281	10	unemployment	unemployment	NOUN
easat-6664	281	11	suggests	suggest	VERB
easat-6664	281	12	that	that	SCONJ
easat-6664	281	13	financial	financial	ADJ
easat-6664	281	14	development	development	NOUN
easat-6664	281	15	in	in	ADP
easat-6664	281	16	the	the	DET
easat-6664	281	17	digital	digital	ADJ
easat-6664	281	18	age	age	NOUN
easat-6664	281	19	requires	require	VERB
easat-6664	281	20	a	a	DET
easat-6664	281	21	careful	careful	ADJ
easat-6664	281	22	balance	balance	NOUN
easat-6664	281	23	between	between	ADP
easat-6664	281	24	fostering	foster	VERB
easat-6664	281	25	innovation	innovation	NOUN
easat-6664	281	26	and	and	CCONJ
easat-6664	281	27	ensuring	ensure	VERB
easat-6664	281	28	the	the	DET
easat-6664	281	29	availability	availability	NOUN
easat-6664	281	30	of	of	ADP
easat-6664	281	31	accessible	accessible	ADJ
easat-6664	281	32	,	,	PUNCT
easat-6664	281	33	inclusive	inclusive	ADJ
easat-6664	281	34	job	job	NOUN
easat-6664	281	35	opportunities	opportunity	NOUN
easat-6664	281	36	for	for	ADP
easat-6664	281	37	all	all	DET
easat-6664	281	38	segments	segment	NOUN
easat-6664	281	39	of	of	ADP
easat-6664	281	40	the	the	DET
easat-6664	281	41	population	population	NOUN
easat-6664	281	42	.	.	PUNCT
easat-6664	282	1	to	to	PART
easat-6664	282	2	ensure	ensure	VERB
easat-6664	282	3	that	that	SCONJ
easat-6664	282	4	the	the	DET
easat-6664	282	5	bayesian	bayesian	NOUN
easat-6664	282	6	inference	inference	NOUN
easat-6664	282	7	based	base	VERB
easat-6664	282	8	on	on	ADP
easat-6664	282	9	the	the	DET
easat-6664	282	10	markov	markov	NOUN
easat-6664	282	11	chain	chain	NOUN
easat-6664	282	12	monte	monte	PROPN
easat-6664	282	13	carlo	carlo	PROPN
easat-6664	282	14	(	(	PUNCT
easat-6664	282	15	mcmc	mcmc	PROPN
easat-6664	282	16	)	)	PUNCT
easat-6664	282	17	samples	sample	NOUN
easat-6664	282	18	is	be	AUX
easat-6664	282	19	valid	valid	ADJ
easat-6664	282	20	,	,	PUNCT
easat-6664	282	21	the	the	DET
easat-6664	282	22	author	author	NOUN
easat-6664	282	23	tested	test	VERB
easat-6664	282	24	the	the	DET
easat-6664	282	25	convergence	convergence	NOUN
easat-6664	282	26	of	of	ADP
easat-6664	282	27	the	the	DET
easat-6664	282	28	mcmc	mcmc	PROPN
easat-6664	282	29	estimates	estimate	NOUN
easat-6664	282	30	of	of	ADP
easat-6664	282	31	the	the	DET
easat-6664	282	32	parameters	parameter	NOUN
easat-6664	282	33	through	through	ADP
easat-6664	282	34	visual	visual	ADJ
easat-6664	282	35	diagnostics	diagnostic	NOUN
easat-6664	282	36	using	use	VERB
easat-6664	282	37	graphs	graph	NOUN
easat-6664	282	38	.	.	PUNCT
easat-6664	283	1	according	accord	VERB
easat-6664	283	2	to	to	ADP
easat-6664	283	3	balov	balov	NOUN
easat-6664	283	4	and	and	CCONJ
easat-6664	283	5	altunkaynak	altunkaynak	NOUN
easat-6664	283	6	[	[	X
easat-6664	283	7	36	36	NUM
easat-6664	283	8	]	]	PUNCT
easat-6664	283	9	the	the	DET
easat-6664	283	10	mcmc	mcmc	PROPN
easat-6664	283	11	convergence	convergence	PROPN
easat-6664	283	12	diagnostic	diagnostic	ADJ
easat-6664	283	13	plots	plot	NOUN
easat-6664	283	14	include	include	VERB
easat-6664	283	15	the	the	DET
easat-6664	283	16	trace	trace	NOUN
easat-6664	283	17	plot	plot	NOUN
easat-6664	283	18	and	and	CCONJ
easat-6664	283	19	the	the	DET
easat-6664	283	20	posterior	posterior	ADJ
easat-6664	283	21	distribution	distribution	NOUN
easat-6664	283	22	histogram	histogram	NOUN
easat-6664	283	23	.	.	PUNCT
easat-6664	284	1	these	these	DET
easat-6664	284	2	plots	plot	NOUN
easat-6664	284	3	help	help	VERB
easat-6664	284	4	monitor	monitor	VERB
easat-6664	284	5	the	the	DET
easat-6664	284	6	history	history	NOUN
easat-6664	284	7	of	of	ADP
easat-6664	284	8	a	a	DET
easat-6664	284	9	parameter	parameter	NOUN
easat-6664	284	10	value	value	NOUN
easat-6664	284	11	through	through	ADP
easat-6664	284	12	successive	successive	ADJ
easat-6664	284	13	iterations	iteration	NOUN
easat-6664	284	14	of	of	ADP
easat-6664	284	15	the	the	DET
easat-6664	284	16	chain	chain	NOUN
easat-6664	284	17	.	.	PUNCT
easat-6664	285	1	appendix	appendix	NOUN
easat-6664	285	2	2	2	NUM
easat-6664	285	3	shows	show	VERB
easat-6664	285	4	the	the	DET
easat-6664	285	5	convergence	convergence	NOUN
easat-6664	285	6	diagnostics	diagnostic	NOUN
easat-6664	285	7	results	result	VERB
easat-6664	285	8	for	for	ADP
easat-6664	285	9	two	two	NUM
easat-6664	285	10	variables	variable	NOUN
easat-6664	285	11	,	,	PUNCT
easat-6664	285	12	dfi	dfi	PROPN
easat-6664	285	13	and	and	CCONJ
easat-6664	285	14	fd	fd	PROPN
easat-6664	285	15	,	,	PUNCT
easat-6664	285	16	across	across	ADP
easat-6664	285	17	five	five	NUM
easat-6664	285	18	quantiles	quantile	NOUN
easat-6664	285	19	.	.	PUNCT
easat-6664	286	1	the	the	DET
easat-6664	286	2	results	result	NOUN
easat-6664	286	3	indicate	indicate	VERB
easat-6664	286	4	that	that	SCONJ
easat-6664	286	5	all	all	DET
easat-6664	286	6	parameter	parameter	NOUN
easat-6664	286	7	plots	plot	NOUN
easat-6664	286	8	in	in	ADP
easat-6664	286	9	the	the	DET
easat-6664	286	10	model	model	NOUN
easat-6664	286	11	are	be	AUX
easat-6664	286	12	reasonable	reasonable	ADJ
easat-6664	286	13	,	,	PUNCT
easat-6664	286	14	with	with	ADP
easat-6664	286	15	consistent	consistent	ADJ
easat-6664	286	16	trace	trace	NOUN
easat-6664	286	17	plot	plot	NOUN
easat-6664	286	18	shapes	shape	NOUN
easat-6664	286	19	,	,	PUNCT
easat-6664	286	20	and	and	CCONJ
easat-6664	286	21	the	the	DET
easat-6664	286	22	distribution	distribution	NOUN
easat-6664	286	23	plots	plot	NOUN
easat-6664	286	24	exhibit	exhibit	VERB
easat-6664	286	25	a	a	DET
easat-6664	286	26	normal	normal	ADJ
easat-6664	286	27	distribution	distribution	NOUN
easat-6664	286	28	,	,	PUNCT
easat-6664	286	29	confirming	confirm	VERB
easat-6664	286	30	the	the	DET
easat-6664	286	31	robustness	robustness	NOUN
easat-6664	286	32	of	of	ADP
easat-6664	286	33	the	the	DET
easat-6664	286	34	bayesian	bayesian	NOUN
easat-6664	286	35	quantile	quantile	ADJ
easat-6664	286	36	regression	regression	NOUN
easat-6664	286	37	.	.	PUNCT
easat-6664	287	1	5	5	X
easat-6664	287	2	.	.	X
easat-6664	287	3	conclusion	conclusion	NOUN
easat-6664	287	4	and	and	CCONJ
easat-6664	287	5	policy	policy	NOUN
easat-6664	287	6	implications	implication	NOUN
easat-6664	287	7	this	this	DET
easat-6664	287	8	study	study	NOUN
easat-6664	287	9	evaluates	evaluate	VERB
easat-6664	287	10	the	the	DET
easat-6664	287	11	impact	impact	NOUN
easat-6664	287	12	of	of	ADP
easat-6664	287	13	dfi	dfi	PROPN
easat-6664	287	14	and	and	CCONJ
easat-6664	287	15	fd	fd	VERB
easat-6664	287	16	on	on	ADP
easat-6664	287	17	une	une	PROPN
easat-6664	287	18	across	across	ADP
easat-6664	287	19	112	112	NUM
easat-6664	287	20	countries	country	NOUN
easat-6664	287	21	from	from	ADP
easat-6664	287	22	2004	2004	NUM
easat-6664	287	23	to	to	ADP
easat-6664	287	24	2022	2022	NUM
easat-6664	287	25	.	.	PUNCT
easat-6664	288	1	using	use	VERB
easat-6664	288	2	the	the	DET
easat-6664	288	3	bqr	bqr	PROPN
easat-6664	288	4	method	method	NOUN
easat-6664	288	5	,	,	PUNCT
easat-6664	288	6	we	we	PRON
easat-6664	288	7	find	find	VERB
easat-6664	288	8	that	that	SCONJ
easat-6664	288	9	dfi	dfi	PROPN
easat-6664	288	10	reduces	reduce	VERB
easat-6664	288	11	unemployment	unemployment	NOUN
easat-6664	288	12	at	at	ADP
easat-6664	288	13	all	all	DET
easat-6664	288	14	quantiles	quantile	NOUN
easat-6664	288	15	,	,	PUNCT
easat-6664	288	16	including	include	VERB
easat-6664	288	17	0.1	0.1	NUM
easat-6664	288	18	,	,	PUNCT
easat-6664	288	19	0.25	0.25	NUM
easat-6664	288	20	,	,	PUNCT
easat-6664	288	21	0.5	0.5	NUM
easat-6664	288	22	,	,	PUNCT
easat-6664	288	23	0.75	0.75	NUM
easat-6664	288	24	,	,	PUNCT
easat-6664	288	25	and	and	CCONJ
easat-6664	288	26	0.9	0.9	NUM
easat-6664	288	27	.	.	PUNCT
easat-6664	289	1	these	these	DET
easat-6664	289	2	results	result	NOUN
easat-6664	289	3	suggest	suggest	VERB
easat-6664	289	4	that	that	SCONJ
easat-6664	289	5	digital	digital	ADJ
easat-6664	289	6	financial	financial	ADJ
easat-6664	289	7	inclusion	inclusion	NOUN
easat-6664	289	8	plays	play	VERB
easat-6664	289	9	a	a	DET
easat-6664	289	10	significant	significant	ADJ
easat-6664	289	11	role	role	NOUN
easat-6664	289	12	in	in	ADP
easat-6664	289	13	reducing	reduce	VERB
easat-6664	289	14	unemployment	unemployment	NOUN
easat-6664	289	15	,	,	PUNCT
easat-6664	289	16	indicating	indicate	VERB
easat-6664	289	17	a	a	DET
easat-6664	289	18	consistent	consistent	ADJ
easat-6664	289	19	impact	impact	NOUN
easat-6664	289	20	across	across	ADP
easat-6664	289	21	different	different	ADJ
easat-6664	289	22	unemployment	unemployment	NOUN
easat-6664	289	23	levels	level	NOUN
easat-6664	289	24	.	.	PUNCT
easat-6664	290	1	in	in	ADP
easat-6664	290	2	contrast	contrast	NOUN
easat-6664	290	3	,	,	PUNCT
easat-6664	290	4	fd	fd	PROPN
easat-6664	290	5	reduces	reduce	VERB
easat-6664	290	6	unemployment	unemployment	NOUN
easat-6664	290	7	at	at	ADP
easat-6664	290	8	lower	low	ADJ
easat-6664	290	9	quantiles	quantile	NOUN
easat-6664	290	10	(	(	PUNCT
easat-6664	290	11	0.1	0.1	NUM
easat-6664	290	12	and	and	CCONJ
easat-6664	290	13	0.25	0.25	NUM
easat-6664	290	14	)	)	PUNCT
easat-6664	290	15	but	but	CCONJ
easat-6664	290	16	exacerbates	exacerbate	VERB
easat-6664	290	17	unemployment	unemployment	NOUN
easat-6664	290	18	at	at	ADP
easat-6664	290	19	higher	high	ADJ
easat-6664	290	20	quantiles	quantile	NOUN
easat-6664	290	21	(	(	PUNCT
easat-6664	290	22	0.5	0.5	NUM
easat-6664	290	23	,	,	PUNCT
easat-6664	290	24	0.75	0.75	NUM
easat-6664	290	25	,	,	PUNCT
easat-6664	290	26	and	and	CCONJ
easat-6664	290	27	0.9	0.9	NUM
easat-6664	290	28	)	)	PUNCT
easat-6664	290	29	.	.	PUNCT
easat-6664	291	1	this	this	DET
easat-6664	291	2	finding	finding	NOUN
easat-6664	291	3	indicates	indicate	VERB
easat-6664	291	4	that	that	SCONJ
easat-6664	291	5	while	while	SCONJ
easat-6664	291	6	financial	financial	ADJ
easat-6664	291	7	development	development	NOUN
easat-6664	291	8	may	may	AUX
easat-6664	291	9	positively	positively	ADV
easat-6664	291	10	impact	impact	VERB
easat-6664	291	11	unemployment	unemployment	NOUN
easat-6664	291	12	reduction	reduction	NOUN
easat-6664	291	13	in	in	ADP
easat-6664	291	14	countries	country	NOUN
easat-6664	291	15	with	with	ADP
easat-6664	291	16	lower	low	ADJ
easat-6664	291	17	unemployment	unemployment	NOUN
easat-6664	291	18	rates	rate	NOUN
easat-6664	291	19	,	,	PUNCT
easat-6664	291	20	its	its	PRON
easat-6664	291	21	effects	effect	NOUN
easat-6664	291	22	become	become	VERB
easat-6664	291	23	less	less	ADV
easat-6664	291	24	favorable	favorable	ADJ
easat-6664	291	25	or	or	CCONJ
easat-6664	291	26	even	even	ADV
easat-6664	291	27	detrimental	detrimental	ADJ
easat-6664	291	28	in	in	ADP
easat-6664	291	29	countries	country	NOUN
easat-6664	291	30	with	with	ADP
easat-6664	291	31	higher	high	ADJ
easat-6664	291	32	unemployment	unemployment	NOUN
easat-6664	291	33	rates	rate	NOUN
easat-6664	291	34	.	.	PUNCT
easat-6664	292	1	based	base	VERB
easat-6664	292	2	on	on	ADP
easat-6664	292	3	these	these	DET
easat-6664	292	4	2872	2872	NUM
easat-6664	292	5	edelweiss	edelweiss	PROPN
easat-6664	292	6	applied	apply	VERB
easat-6664	292	7	science	science	NOUN
easat-6664	292	8	and	and	CCONJ
easat-6664	292	9	technology	technology	NOUN
easat-6664	292	10	issn	issn	PROPN
easat-6664	292	11	:	:	PUNCT
easat-6664	292	12	2576	2576	NUM
easat-6664	292	13	-	-	SYM
easat-6664	292	14	8484	8484	NUM
easat-6664	292	15	vol	vol	NOUN
easat-6664	292	16	.	.	PROPN
easat-6664	293	1	9	9	NUM
easat-6664	293	2	,	,	PUNCT
easat-6664	293	3	no	no	INTJ
easat-6664	293	4	.	.	NOUN
easat-6664	293	5	4	4	NUM
easat-6664	293	6	:	:	SYM
easat-6664	293	7	2862	2862	NUM
easat-6664	293	8	-	-	SYM
easat-6664	293	9	2876	2876	NUM
easat-6664	293	10	,	,	PUNCT
easat-6664	293	11	2025	2025	NUM
easat-6664	293	12	doi	doi	NOUN
easat-6664	293	13	:	:	PUNCT
easat-6664	293	14	10.55214/25768484.v9i4.6664	10.55214/25768484.v9i4.6664	NUM
easat-6664	293	15	©	©	PROPN
easat-6664	293	16	2025	2025	NUM
easat-6664	293	17	by	by	ADP
easat-6664	293	18	the	the	DET
easat-6664	293	19	authors	author	NOUN
easat-6664	293	20	;	;	PUNCT
easat-6664	293	21	licensee	licensee	PROPN
easat-6664	293	22	learning	learn	VERB
easat-6664	293	23	gate	gate	PROPN
easat-6664	293	24	findings	finding	NOUN
easat-6664	293	25	,	,	PUNCT
easat-6664	293	26	we	we	PRON
easat-6664	293	27	recommend	recommend	VERB
easat-6664	293	28	that	that	SCONJ
easat-6664	293	29	countries	country	NOUN
easat-6664	293	30	focus	focus	VERB
easat-6664	293	31	on	on	ADP
easat-6664	293	32	expanding	expand	VERB
easat-6664	293	33	dfi	dfi	PROPN
easat-6664	293	34	to	to	PART
easat-6664	293	35	promote	promote	VERB
easat-6664	293	36	broader	broad	ADJ
easat-6664	293	37	financial	financial	ADJ
easat-6664	293	38	inclusion	inclusion	NOUN
easat-6664	293	39	and	and	CCONJ
easat-6664	293	40	address	address	VERB
easat-6664	293	41	unemployment	unemployment	NOUN
easat-6664	293	42	more	more	ADV
easat-6664	293	43	effectively	effectively	ADV
easat-6664	293	44	.	.	PUNCT
easat-6664	294	1	additionally	additionally	ADV
easat-6664	294	2	,	,	PUNCT
easat-6664	294	3	we	we	PRON
easat-6664	294	4	recommend	recommend	VERB
easat-6664	294	5	promoting	promote	VERB
easat-6664	294	6	fd	fd	PROPN
easat-6664	294	7	in	in	ADP
easat-6664	294	8	countries	country	NOUN
easat-6664	294	9	with	with	ADP
easat-6664	294	10	low	low	ADJ
easat-6664	294	11	unemployment	unemployment	NOUN
easat-6664	294	12	rates	rate	NOUN
easat-6664	294	13	,	,	PUNCT
easat-6664	294	14	as	as	SCONJ
easat-6664	294	15	this	this	PRON
easat-6664	294	16	may	may	AUX
easat-6664	294	17	help	help	VERB
easat-6664	294	18	further	far	ADV
easat-6664	294	19	reduce	reduce	VERB
easat-6664	294	20	unemployment	unemployment	NOUN
easat-6664	294	21	levels	level	NOUN
easat-6664	294	22	.	.	PUNCT
easat-6664	295	1	in	in	ADP
easat-6664	295	2	contrast	contrast	NOUN
easat-6664	295	3	,	,	PUNCT
easat-6664	295	4	for	for	ADP
easat-6664	295	5	countries	country	NOUN
easat-6664	295	6	with	with	ADP
easat-6664	295	7	high	high	ADJ
easat-6664	295	8	unemployment	unemployment	NOUN
easat-6664	295	9	rates	rate	NOUN
easat-6664	295	10	,	,	PUNCT
easat-6664	295	11	a	a	DET
easat-6664	295	12	more	more	ADV
easat-6664	295	13	tailored	tailor	VERB
easat-6664	295	14	approach	approach	NOUN
easat-6664	295	15	should	should	AUX
easat-6664	295	16	be	be	AUX
easat-6664	295	17	considered	consider	VERB
easat-6664	295	18	,	,	PUNCT
easat-6664	295	19	as	as	SCONJ
easat-6664	295	20	the	the	DET
easat-6664	295	21	effects	effect	NOUN
easat-6664	295	22	of	of	ADP
easat-6664	295	23	fd	fd	PROPN
easat-6664	295	24	may	may	AUX
easat-6664	295	25	not	not	PART
easat-6664	295	26	be	be	AUX
easat-6664	295	27	as	as	ADV
easat-6664	295	28	favorable	favorable	ADJ
easat-6664	295	29	and	and	CCONJ
easat-6664	295	30	could	could	AUX
easat-6664	295	31	potentially	potentially	ADV
easat-6664	295	32	exacerbate	exacerbate	VERB
easat-6664	295	33	unemployment	unemployment	NOUN
easat-6664	295	34	.	.	PUNCT
easat-6664	296	1	in	in	ADP
easat-6664	296	2	such	such	ADJ
easat-6664	296	3	cases	case	NOUN
easat-6664	296	4	,	,	PUNCT
easat-6664	296	5	expanding	expand	VERB
easat-6664	296	6	dfi	dfi	PROPN
easat-6664	296	7	may	may	AUX
easat-6664	296	8	be	be	AUX
easat-6664	296	9	a	a	DET
easat-6664	296	10	more	more	ADV
easat-6664	296	11	effective	effective	ADJ
easat-6664	296	12	strategy	strategy	NOUN
easat-6664	296	13	to	to	PART
easat-6664	296	14	address	address	VERB
easat-6664	296	15	unemployment	unemployment	NOUN
easat-6664	296	16	challenges	challenge	NOUN
easat-6664	296	17	and	and	CCONJ
easat-6664	296	18	foster	foster	ADJ
easat-6664	296	19	economic	economic	ADJ
easat-6664	296	20	stability	stability	NOUN
easat-6664	296	21	.	.	PUNCT
easat-6664	297	1	transparency	transparency	NOUN
easat-6664	297	2	:	:	PUNCT
easat-6664	297	3	the	the	DET
easat-6664	297	4	authors	author	NOUN
easat-6664	297	5	confirm	confirm	VERB
easat-6664	297	6	that	that	SCONJ
easat-6664	297	7	the	the	DET
easat-6664	297	8	manuscript	manuscript	NOUN
easat-6664	297	9	is	be	AUX
easat-6664	297	10	an	an	DET
easat-6664	297	11	honest	honest	ADJ
easat-6664	297	12	,	,	PUNCT
easat-6664	297	13	accurate	accurate	ADJ
easat-6664	297	14	,	,	PUNCT
easat-6664	297	15	and	and	CCONJ
easat-6664	297	16	transparent	transparent	ADJ
easat-6664	297	17	account	account	NOUN
easat-6664	297	18	of	of	ADP
easat-6664	297	19	the	the	DET
easat-6664	297	20	study	study	NOUN
easat-6664	297	21	;	;	PUNCT
easat-6664	297	22	that	that	SCONJ
easat-6664	297	23	no	no	DET
easat-6664	297	24	vital	vital	ADJ
easat-6664	297	25	features	feature	NOUN
easat-6664	297	26	of	of	ADP
easat-6664	297	27	the	the	DET
easat-6664	297	28	study	study	NOUN
easat-6664	297	29	have	have	AUX
easat-6664	297	30	been	be	AUX
easat-6664	297	31	omitted	omit	VERB
easat-6664	297	32	;	;	PUNCT
easat-6664	297	33	and	and	CCONJ
easat-6664	297	34	that	that	SCONJ
easat-6664	297	35	any	any	DET
easat-6664	297	36	discrepancies	discrepancy	NOUN
easat-6664	297	37	from	from	ADP
easat-6664	297	38	the	the	DET
easat-6664	297	39	study	study	NOUN
easat-6664	297	40	as	as	SCONJ
easat-6664	297	41	planned	plan	VERB
easat-6664	297	42	have	have	AUX
easat-6664	297	43	been	be	AUX
easat-6664	297	44	explained	explain	VERB
easat-6664	297	45	.	.	PUNCT
easat-6664	298	1	this	this	DET
easat-6664	298	2	study	study	NOUN
easat-6664	298	3	followed	follow	VERB
easat-6664	298	4	all	all	DET
easat-6664	298	5	ethical	ethical	ADJ
easat-6664	298	6	practices	practice	NOUN
easat-6664	298	7	during	during	ADP
easat-6664	298	8	writing	writing	NOUN
easat-6664	298	9	.	.	PUNCT
easat-6664	299	1	acknowledgement	acknowledgement	NOUN
easat-6664	299	2	:	:	PUNCT
easat-6664	299	3	the	the	DET
easat-6664	299	4	authors	author	NOUN
easat-6664	299	5	acknowledge	acknowledge	VERB
easat-6664	299	6	being	be	AUX
easat-6664	299	7	supported	support	VERB
easat-6664	299	8	by	by	ADP
easat-6664	299	9	lac	lac	PROPN
easat-6664	299	10	hong	hong	PROPN
easat-6664	299	11	university	university	PROPN
easat-6664	300	1	we	we	PRON
easat-6664	300	2	thank	thank	VERB
easat-6664	300	3	the	the	DET
easat-6664	300	4	editors	editor	NOUN
easat-6664	300	5	and	and	CCONJ
easat-6664	300	6	anonymous	anonymous	ADJ
easat-6664	300	7	reviewers	reviewer	NOUN
easat-6664	300	8	for	for	ADP
easat-6664	300	9	their	their	PRON
easat-6664	300	10	valuable	valuable	ADJ
easat-6664	300	11	comments	comment	NOUN
easat-6664	300	12	and	and	CCONJ
easat-6664	300	13	suggestions	suggestion	NOUN
easat-6664	300	14	.	.	PUNCT
easat-6664	301	1	copyright	copyright	NOUN
easat-6664	301	2	:	:	PUNCT
easat-6664	301	3	©	©	PROPN
easat-6664	301	4	2025	2025	NUM
easat-6664	301	5	by	by	ADP
easat-6664	301	6	the	the	DET
easat-6664	301	7	authors	author	NOUN
easat-6664	301	8	.	.	PUNCT
easat-6664	302	1	this	this	DET
easat-6664	302	2	open	open	ADJ
easat-6664	302	3	-	-	PUNCT
easat-6664	302	4	access	access	NOUN
easat-6664	302	5	article	article	NOUN
easat-6664	302	6	is	be	AUX
easat-6664	302	7	distributed	distribute	VERB
easat-6664	302	8	under	under	ADP
easat-6664	302	9	the	the	DET
easat-6664	302	10	terms	term	NOUN
easat-6664	302	11	and	and	CCONJ
easat-6664	302	12	conditions	condition	NOUN
easat-6664	302	13	of	of	ADP
easat-6664	302	14	the	the	DET
easat-6664	302	15	creative	creative	ADJ
easat-6664	302	16	commons	common	NOUN
easat-6664	302	17	attribution	attribution	NOUN
easat-6664	302	18	(	(	PUNCT
easat-6664	302	19	cc	cc	NOUN
easat-6664	302	20	by	by	ADP
easat-6664	302	21	)	)	PUNCT
easat-6664	302	22	license	license	NOUN
easat-6664	302	23	(	(	PUNCT
easat-6664	302	24	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-6664	302	25	)	)	PUNCT
easat-6664	302	26	.	.	PUNCT
easat-6664	303	1	references	reference	NOUN
easat-6664	303	2	[	[	X
easat-6664	303	3	1	1	NUM
easat-6664	303	4	]	]	PUNCT
easat-6664	303	5	h.	h.	PROPN
easat-6664	303	6	n.	n.	PROPN
easat-6664	303	7	van	van	PROPN
easat-6664	303	8	,	,	PUNCT
easat-6664	303	9	h.	h.	PROPN
easat-6664	303	10	n.	n.	PROPN
easat-6664	303	11	quoc	quoc	PROPN
easat-6664	303	12	,	,	PUNCT
easat-6664	303	13	and	and	CCONJ
easat-6664	303	14	d.	d.	PROPN
easat-6664	303	15	le	le	PROPN
easat-6664	303	16	quoc	quoc	PROPN
easat-6664	303	17	,	,	PUNCT
easat-6664	303	18	"	"	PUNCT
easat-6664	303	19	the	the	DET
easat-6664	303	20	role	role	NOUN
easat-6664	303	21	of	of	ADP
easat-6664	303	22	green	green	ADJ
easat-6664	303	23	credit	credit	NOUN
easat-6664	303	24	in	in	ADP
easat-6664	303	25	promoting	promote	VERB
easat-6664	303	26	sustainable	sustainable	ADJ
easat-6664	303	27	development	development	NOUN
easat-6664	303	28	in	in	ADP
easat-6664	303	29	vietnam	vietnam	PROPN
easat-6664	303	30	:	:	PUNCT
easat-6664	303	31	evidence	evidence	NOUN
easat-6664	303	32	from	from	ADP
easat-6664	303	33	quantile	quantile	NOUN
easat-6664	303	34	-	-	PUNCT
easat-6664	303	35	on	on	ADP
easat-6664	303	36	-	-	PUNCT
easat-6664	303	37	quantile	quantile	ADJ
easat-6664	303	38	regression	regression	NOUN
easat-6664	303	39	,	,	PUNCT
easat-6664	303	40	"	"	PUNCT
easat-6664	303	41	research	research	NOUN
easat-6664	303	42	on	on	ADP
easat-6664	303	43	world	world	NOUN
easat-6664	303	44	agricultural	agricultural	ADJ
easat-6664	303	45	economy	economy	NOUN
easat-6664	303	46	,	,	PUNCT
easat-6664	303	47	vol	vol	NOUN
easat-6664	303	48	.	.	PROPN
easat-6664	304	1	6	6	NUM
easat-6664	304	2	,	,	PUNCT
easat-6664	304	3	no	no	INTJ
easat-6664	304	4	.	.	NOUN
easat-6664	304	5	1	1	NUM
easat-6664	304	6	,	,	PUNCT
easat-6664	304	7	pp	pp	ADJ
easat-6664	304	8	.	.	PUNCT
easat-6664	305	1	88	88	NUM
easat-6664	305	2	-	-	SYM
easat-6664	305	3	99	99	NUM
easat-6664	305	4	,	,	PUNCT
easat-6664	305	5	2025	2025	NUM
easat-6664	305	6	.	.	PUNCT
easat-6664	306	1	https://doi.org/10.36956/rwae.v6i1.1399	https://doi.org/10.36956/rwae.v6i1.1399	X
easat-6664	307	1	[	[	X
easat-6664	307	2	2	2	X
easat-6664	307	3	]	]	PUNCT
easat-6664	307	4	p.	p.	PROPN
easat-6664	307	5	k.	k.	PROPN
easat-6664	307	6	ozili	ozili	PROPN
easat-6664	307	7	,	,	PUNCT
easat-6664	307	8	theories	theory	NOUN
easat-6664	307	9	of	of	ADP
easat-6664	307	10	financial	financial	ADJ
easat-6664	307	11	inclusion	inclusion	NOUN
easat-6664	307	12	"	"	PUNCT
easat-6664	307	13	,	,	PUNCT
easat-6664	307	14	özen	özen	NOUN
easat-6664	307	15	,	,	PUNCT
easat-6664	307	16	e.	e.	PROPN
easat-6664	307	17	and	and	CCONJ
easat-6664	307	18	grima	grima	PROPN
easat-6664	307	19	,	,	PUNCT
easat-6664	307	20	s.	s.	PROPN
easat-6664	307	21	(	(	PUNCT
easat-6664	307	22	ed	ed	NOUN
easat-6664	307	23	.	.	PUNCT
easat-6664	307	24	)	)	PUNCT
easat-6664	308	1	uncertainty	uncertainty	NOUN
easat-6664	308	2	and	and	CCONJ
easat-6664	308	3	challenges	challenge	NOUN
easat-6664	308	4	in	in	ADP
easat-6664	308	5	contemporary	contemporary	ADJ
easat-6664	308	6	economic	economic	ADJ
easat-6664	308	7	behaviour	behaviour	NOUN
easat-6664	308	8	(	(	PUNCT
easat-6664	308	9	emerald	emerald	NOUN
easat-6664	308	10	studies	study	NOUN
easat-6664	308	11	in	in	ADP
easat-6664	308	12	finance	finance	NOUN
easat-6664	308	13	,	,	PUNCT
easat-6664	308	14	insurance	insurance	NOUN
easat-6664	308	15	,	,	PUNCT
easat-6664	308	16	and	and	CCONJ
easat-6664	308	17	risk	risk	NOUN
easat-6664	308	18	management	management	NOUN
easat-6664	308	19	)	)	PUNCT
easat-6664	308	20	.	.	PUNCT
easat-6664	309	1	leeds	leed	NOUN
easat-6664	309	2	:	:	PUNCT
easat-6664	309	3	emerald	emerald	PROPN
easat-6664	309	4	publishing	publishing	PROPN
easat-6664	309	5	limited	limit	VERB
easat-6664	309	6	,	,	PUNCT
easat-6664	309	7	2020	2020	NUM
easat-6664	309	8	.	.	PUNCT
easat-6664	310	1	[	[	X
easat-6664	310	2	3	3	X
easat-6664	310	3	]	]	X
easat-6664	310	4	o.	o.	PROPN
easat-6664	310	5	vyshnevskyi	vyshnevskyi	PROPN
easat-6664	310	6	,	,	PUNCT
easat-6664	310	7	i.	i.	PROPN
easat-6664	310	8	stashkevych	stashkevych	PROPN
easat-6664	310	9	,	,	PUNCT
easat-6664	310	10	o.	o.	NOUN
easat-6664	310	11	shubna	shubna	NOUN
easat-6664	310	12	,	,	PUNCT
easat-6664	310	13	and	and	CCONJ
easat-6664	310	14	s.	s.	PROPN
easat-6664	310	15	barkova	barkova	PROPN
easat-6664	310	16	,	,	PUNCT
easat-6664	310	17	"	"	PUNCT
easat-6664	310	18	economic	economic	ADJ
easat-6664	310	19	growth	growth	NOUN
easat-6664	310	20	in	in	ADP
easat-6664	310	21	the	the	DET
easat-6664	310	22	conditions	condition	NOUN
easat-6664	310	23	of	of	ADP
easat-6664	310	24	digitalization	digitalization	NOUN
easat-6664	310	25	in	in	ADP
easat-6664	310	26	the	the	DET
easat-6664	310	27	eu	eu	PROPN
easat-6664	310	28	countries	country	NOUN
easat-6664	310	29	,	,	PUNCT
easat-6664	310	30	"	"	PUNCT
easat-6664	310	31	studies	study	NOUN
easat-6664	310	32	of	of	ADP
easat-6664	310	33	applied	apply	VERB
easat-6664	310	34	economics	economic	NOUN
easat-6664	310	35	,	,	PUNCT
easat-6664	310	36	vol	vol	NOUN
easat-6664	310	37	.	.	PROPN
easat-6664	310	38	38	38	NUM
easat-6664	310	39	,	,	PUNCT
easat-6664	310	40	no	no	INTJ
easat-6664	310	41	.	.	NOUN
easat-6664	310	42	4	4	NUM
easat-6664	310	43	,	,	PUNCT
easat-6664	310	44	pp	pp	ADJ
easat-6664	310	45	.	.	PUNCT
easat-6664	311	1	1–11	1–11	PROPN
easat-6664	311	2	,	,	PUNCT
easat-6664	311	3	2020	2020	NUM
easat-6664	311	4	.	.	PUNCT
easat-6664	312	1	https://doi.org/10.25115/eea.v38i4.4041	https://doi.org/10.25115/eea.v38i4.4041	NOUN
easat-6664	312	2	[	[	X
easat-6664	312	3	4	4	NUM
easat-6664	312	4	]	]	PUNCT
easat-6664	312	5	a.	a.	NOUN
easat-6664	312	6	aleksandrova	aleksandrova	PROPN
easat-6664	312	7	,	,	PUNCT
easat-6664	312	8	y.	y.	PROPN
easat-6664	312	9	truntsevsky	truntsevsky	PROPN
easat-6664	312	10	,	,	PUNCT
easat-6664	312	11	and	and	CCONJ
easat-6664	312	12	m.	m.	NOUN
easat-6664	312	13	polutova	polutova	PROPN
easat-6664	312	14	,	,	PUNCT
easat-6664	312	15	"	"	PUNCT
easat-6664	312	16	digitalization	digitalization	NOUN
easat-6664	312	17	and	and	CCONJ
easat-6664	312	18	its	its	PRON
easat-6664	312	19	impact	impact	NOUN
easat-6664	312	20	on	on	ADP
easat-6664	312	21	economic	economic	ADJ
easat-6664	312	22	growth	growth	NOUN
easat-6664	312	23	,	,	PUNCT
easat-6664	312	24	"	"	PUNCT
easat-6664	312	25	brazilian	brazilian	ADJ
easat-6664	312	26	journal	journal	NOUN
easat-6664	312	27	of	of	ADP
easat-6664	312	28	political	political	ADJ
easat-6664	312	29	economy	economy	NOUN
easat-6664	312	30	,	,	PUNCT
easat-6664	312	31	vol	vol	NOUN
easat-6664	312	32	.	.	PROPN
easat-6664	313	1	42	42	NUM
easat-6664	313	2	,	,	PUNCT
easat-6664	313	3	no	no	INTJ
easat-6664	313	4	.	.	NOUN
easat-6664	313	5	2	2	NUM
easat-6664	313	6	,	,	PUNCT
easat-6664	313	7	pp	pp	ADJ
easat-6664	313	8	.	.	PUNCT
easat-6664	314	1	424	424	NUM
easat-6664	314	2	-	-	SYM
easat-6664	314	3	441	441	NUM
easat-6664	314	4	,	,	PUNCT
easat-6664	314	5	2022	2022	NUM
easat-6664	314	6	.	.	PUNCT
easat-6664	315	1	https://doi.org/10.1590/0101-31572022-3306	https://doi.org/10.1590/0101-31572022-3306	PROPN
easat-6664	316	1	[	[	X
easat-6664	316	2	5	5	NUM
easat-6664	316	3	]	]	PUNCT
easat-6664	316	4	d.	d.	PROPN
easat-6664	316	5	le	le	X
easat-6664	316	6	quoc	quoc	PROPN
easat-6664	316	7	,	,	PUNCT
easat-6664	316	8	"	"	PUNCT
easat-6664	316	9	the	the	DET
easat-6664	316	10	relationship	relationship	NOUN
easat-6664	316	11	between	between	ADP
easat-6664	316	12	digital	digital	ADJ
easat-6664	316	13	financial	financial	ADJ
easat-6664	316	14	inclusion	inclusion	NOUN
easat-6664	316	15	,	,	PUNCT
easat-6664	316	16	gender	gender	NOUN
easat-6664	316	17	inequality	inequality	NOUN
easat-6664	316	18	,	,	PUNCT
easat-6664	316	19	and	and	CCONJ
easat-6664	316	20	economic	economic	ADJ
easat-6664	316	21	growth	growth	NOUN
easat-6664	316	22	:	:	PUNCT
easat-6664	316	23	dynamics	dynamic	NOUN
easat-6664	316	24	from	from	ADP
easat-6664	316	25	financial	financial	ADJ
easat-6664	316	26	development	development	NOUN
easat-6664	316	27	,	,	PUNCT
easat-6664	316	28	"	"	PUNCT
easat-6664	316	29	journal	journal	NOUN
easat-6664	316	30	of	of	ADP
easat-6664	316	31	business	business	NOUN
easat-6664	316	32	and	and	CCONJ
easat-6664	316	33	socio	socio	NOUN
easat-6664	316	34	-	-	PUNCT
easat-6664	316	35	economic	economic	ADJ
easat-6664	316	36	development	development	NOUN
easat-6664	316	37	,	,	PUNCT
easat-6664	316	38	vol	vol	NOUN
easat-6664	316	39	.	.	PROPN
easat-6664	316	40	4	4	NUM
easat-6664	316	41	,	,	PUNCT
easat-6664	316	42	no	no	INTJ
easat-6664	316	43	.	.	NOUN
easat-6664	316	44	4	4	NUM
easat-6664	316	45	,	,	PUNCT
easat-6664	316	46	pp	pp	ADJ
easat-6664	316	47	.	.	PUNCT
easat-6664	317	1	370	370	NUM
easat-6664	317	2	-	-	SYM
easat-6664	317	3	388	388	NUM
easat-6664	317	4	,	,	PUNCT
easat-6664	317	5	2024	2024	NUM
easat-6664	317	6	.	.	PUNCT
easat-6664	318	1	https://doi.org/10.1108/jbsed-12-2023-0101	https://doi.org/10.1108/jbsed-12-2023-0101	NOUN
easat-6664	319	1	[	[	X
easat-6664	319	2	6	6	NUM
easat-6664	319	3	]	]	PUNCT
easat-6664	319	4	t.	t.	PROPN
easat-6664	319	5	t.	t.	PROPN
easat-6664	319	6	k.	k.	PROPN
easat-6664	320	1	oanh	oanh	PROPN
easat-6664	320	2	and	and	CCONJ
easat-6664	320	3	l.	l.	PROPN
easat-6664	320	4	q.	q.	PROPN
easat-6664	320	5	dinh	dinh	PROPN
easat-6664	320	6	,	,	PUNCT
easat-6664	320	7	"	"	PUNCT
easat-6664	320	8	digital	digital	ADJ
easat-6664	320	9	financial	financial	ADJ
easat-6664	320	10	inclusion	inclusion	NOUN
easat-6664	320	11	,	,	PUNCT
easat-6664	320	12	financial	financial	ADJ
easat-6664	320	13	stability	stability	NOUN
easat-6664	320	14	,	,	PUNCT
easat-6664	320	15	and	and	CCONJ
easat-6664	320	16	sustainable	sustainable	ADJ
easat-6664	320	17	development	development	NOUN
easat-6664	320	18	:	:	PUNCT
easat-6664	321	1	evidence	evidence	NOUN
easat-6664	321	2	from	from	ADP
easat-6664	321	3	a	a	DET
easat-6664	321	4	quantile‐on‐quantile	quantile‐on‐quantile	NOUN
easat-6664	321	5	regression	regression	NOUN
easat-6664	321	6	and	and	CCONJ
easat-6664	321	7	wavelet	wavelet	NOUN
easat-6664	321	8	coherence	coherence	NOUN
easat-6664	321	9	,	,	PUNCT
easat-6664	321	10	"	"	PUNCT
easat-6664	321	11	sustainable	sustainable	ADJ
easat-6664	321	12	development	development	NOUN
easat-6664	321	13	,	,	PUNCT
easat-6664	321	14	vol	vol	NOUN
easat-6664	321	15	.	.	PROPN
easat-6664	321	16	32	32	NUM
easat-6664	321	17	,	,	PUNCT
easat-6664	321	18	no	no	INTJ
easat-6664	321	19	.	.	NOUN
easat-6664	321	20	6	6	NUM
easat-6664	321	21	,	,	PUNCT
easat-6664	321	22	pp	pp	ADJ
easat-6664	321	23	.	.	PUNCT
easat-6664	322	1	6324	6324	NUM
easat-6664	322	2	-	-	PUNCT
easat-6664	322	3	6338	6338	NUM
easat-6664	322	4	,	,	PUNCT
easat-6664	322	5	2024	2024	NUM
easat-6664	322	6	.	.	PUNCT
easat-6664	323	1	https://doi.org/10.1002/sd.3021	https://doi.org/10.1002/sd.3021	NOUN
easat-6664	324	1	[	[	X
easat-6664	324	2	7	7	X
easat-6664	324	3	]	]	PUNCT
easat-6664	324	4	k.	k.	NOUN
easat-6664	324	5	t.	t.	PROPN
easat-6664	324	6	t.	t.	PROPN
easat-6664	325	1	oanh	oanh	PROPN
easat-6664	325	2	and	and	CCONJ
easat-6664	325	3	q.	q.	PROPN
easat-6664	325	4	l.	l.	PROPN
easat-6664	325	5	dinh	dinh	PROPN
easat-6664	325	6	,	,	PUNCT
easat-6664	325	7	"	"	PUNCT
easat-6664	325	8	exploring	explore	VERB
easat-6664	325	9	the	the	DET
easat-6664	325	10	influence	influence	NOUN
easat-6664	325	11	of	of	ADP
easat-6664	325	12	digital	digital	ADJ
easat-6664	325	13	financial	financial	ADJ
easat-6664	325	14	inclusion	inclusion	NOUN
easat-6664	325	15	and	and	CCONJ
easat-6664	325	16	technological	technological	ADJ
easat-6664	325	17	progress	progress	NOUN
easat-6664	325	18	on	on	ADP
easat-6664	325	19	renewable	renewable	ADJ
easat-6664	325	20	energy	energy	NOUN
easat-6664	325	21	consumption	consumption	NOUN
easat-6664	325	22	:	:	PUNCT
easat-6664	325	23	a	a	DET
easat-6664	325	24	bayesian	bayesian	NOUN
easat-6664	325	25	quantile	quantile	NOUN
easat-6664	325	26	regression	regression	NOUN
easat-6664	325	27	analysis	analysis	NOUN
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easat-6664	325	31	,	,	PUNCT
easat-6664	325	32	development	development	NOUN
easat-6664	325	33	and	and	CCONJ
easat-6664	325	34	sustainability	sustainability	NOUN
easat-6664	325	35	,	,	PUNCT
easat-6664	325	36	pp	pp	ADJ
easat-6664	325	37	.	.	PUNCT
easat-6664	326	1	1	1	NUM
easat-6664	326	2	-	-	SYM
easat-6664	326	3	30	30	NUM
easat-6664	326	4	,	,	PUNCT
easat-6664	326	5	2024	2024	NUM
easat-6664	326	6	.	.	PUNCT
easat-6664	327	1	https://doi.org/10.1007/s10668-024-05675-2	https://doi.org/10.1007/s10668-024-05675-2	VERB
easat-6664	328	1	[	[	X
easat-6664	328	2	8	8	NUM
easat-6664	328	3	]	]	PUNCT
easat-6664	328	4	world	world	NOUN
easat-6664	328	5	unemployment	unemployment	NOUN
easat-6664	328	6	rate	rate	NOUN
easat-6664	328	7	,	,	PUNCT
easat-6664	328	8	"	"	PUNCT
easat-6664	328	9	world	world	NOUN
easat-6664	328	10	unemployment	unemployment	NOUN
easat-6664	328	11	rate	rate	NOUN
easat-6664	328	12	1991	1991	NUM
easat-6664	328	13	-	-	SYM
easat-6664	328	14	2025	2025	NUM
easat-6664	328	15	,	,	PUNCT
easat-6664	328	16	"	"	PUNCT
easat-6664	328	17	retrieved	retrieve	VERB
easat-6664	328	18	:	:	PUNCT
easat-6664	328	19	https://www.macrotrends.net/global-metrics/countries/wld/world/unemployment-rate	https://www.macrotrends.net/global-metrics/countries/wld/world/unemployment-rate	NOUN
easat-6664	328	20	,	,	PUNCT
easat-6664	328	21	2025	2025	NUM
easat-6664	328	22	.	.	PUNCT
easat-6664	329	1	[	[	X
easat-6664	329	2	9	9	NUM
easat-6664	329	3	]	]	PUNCT
easat-6664	329	4	h.	h.	PROPN
easat-6664	329	5	n.	n.	PROPN
easat-6664	329	6	van	van	PROPN
easat-6664	329	7	and	and	CCONJ
easat-6664	329	8	d.	d.	PROPN
easat-6664	329	9	le	le	PROPN
easat-6664	329	10	quoc	quoc	PROPN
easat-6664	329	11	,	,	PUNCT
easat-6664	329	12	"	"	PUNCT
easat-6664	329	13	assessing	assess	VERB
easat-6664	329	14	the	the	DET
easat-6664	329	15	impact	impact	NOUN
easat-6664	329	16	of	of	ADP
easat-6664	329	17	digital	digital	ADJ
easat-6664	329	18	financial	financial	ADJ
easat-6664	329	19	inclusion	inclusion	NOUN
easat-6664	329	20	on	on	ADP
easat-6664	329	21	sustainable	sustainable	ADJ
easat-6664	329	22	development	development	NOUN
easat-6664	329	23	goals	goal	NOUN
easat-6664	329	24	:	:	PUNCT
easat-6664	329	25	analyzing	analyze	VERB
easat-6664	329	26	differences	difference	NOUN
easat-6664	329	27	by	by	ADP
easat-6664	329	28	financial	financial	ADJ
easat-6664	329	29	development	development	NOUN
easat-6664	329	30	levels	level	NOUN
easat-6664	329	31	across	across	ADP
easat-6664	329	32	countries	country	NOUN
easat-6664	329	33	,	,	PUNCT
easat-6664	329	34	"	"	PUNCT
easat-6664	329	35	journal	journal	NOUN
easat-6664	329	36	of	of	ADP
easat-6664	329	37	the	the	DET
easat-6664	329	38	knowledge	knowledge	NOUN
easat-6664	329	39	economy	economy	NOUN
easat-6664	329	40	,	,	PUNCT
easat-6664	329	41	pp	pp	ADJ
easat-6664	329	42	.	.	PUNCT
easat-6664	330	1	1	1	NUM
easat-6664	330	2	-	-	SYM
easat-6664	330	3	24	24	NUM
easat-6664	330	4	,	,	PUNCT
easat-6664	330	5	2024	2024	NUM
easat-6664	330	6	.	.	PUNCT
easat-6664	330	7	https://doi.org/10.1007/s13132-024-02515-6	https://doi.org/10.1007/s13132-024-02515-6	X
easat-6664	331	1	[	[	X
easat-6664	331	2	10	10	NUM
easat-6664	331	3	]	]	PUNCT
easat-6664	331	4	l.	l.	PROPN
easat-6664	331	5	q.	q.	PROPN
easat-6664	331	6	dinh	dinh	PROPN
easat-6664	331	7	,	,	PUNCT
easat-6664	331	8	h.	h.	PROPN
easat-6664	331	9	nguyen	nguyen	PROPN
easat-6664	331	10	quoc	quoc	PROPN
easat-6664	331	11	,	,	PUNCT
easat-6664	331	12	and	and	CCONJ
easat-6664	331	13	h.	h.	PROPN
easat-6664	331	14	nguyen	nguyen	PROPN
easat-6664	331	15	van	van	PROPN
easat-6664	331	16	,	,	PUNCT
easat-6664	331	17	"	"	PUNCT
easat-6664	331	18	evaluating	evaluate	VERB
easat-6664	331	19	the	the	DET
easat-6664	331	20	influence	influence	NOUN
easat-6664	331	21	of	of	ADP
easat-6664	331	22	digital	digital	ADJ
easat-6664	331	23	financial	financial	ADJ
easat-6664	331	24	inclusion	inclusion	NOUN
easat-6664	331	25	on	on	ADP
easat-6664	331	26	financial	financial	ADJ
easat-6664	331	27	crises	crisis	NOUN
easat-6664	331	28	and	and	CCONJ
easat-6664	331	29	economic	economic	ADJ
easat-6664	331	30	cycles	cycle	NOUN
easat-6664	331	31	:	:	PUNCT
easat-6664	331	32	a	a	DET
easat-6664	331	33	bayesian	bayesian	NOUN
easat-6664	331	34	logistic	logistic	ADJ
easat-6664	331	35	regression	regression	NOUN
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easat-6664	331	37	,	,	PUNCT
easat-6664	331	38	"	"	PUNCT
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easat-6664	331	41	financial	financial	ADJ
easat-6664	331	42	regulation	regulation	NOUN
easat-6664	331	43	and	and	CCONJ
easat-6664	331	44	compliance	compliance	NOUN
easat-6664	331	45	,	,	PUNCT
easat-6664	331	46	vol	vol	NOUN
easat-6664	331	47	.	.	PROPN
easat-6664	332	1	33	33	NUM
easat-6664	332	2	,	,	PUNCT
easat-6664	332	3	no	no	INTJ
easat-6664	332	4	.	.	NOUN
easat-6664	332	5	2	2	NUM
easat-6664	332	6	,	,	PUNCT
easat-6664	332	7	pp	pp	ADJ
easat-6664	332	8	.	.	PUNCT
easat-6664	333	1	280	280	NUM
easat-6664	333	2	-	-	SYM
easat-6664	333	3	301	301	NUM
easat-6664	333	4	,	,	PUNCT
easat-6664	333	5	2025	2025	NUM
easat-6664	333	6	.	.	PUNCT
easat-6664	334	1	https://doi.org.10.1108	https://doi.org.10.1108	PROPN
easat-6664	334	2	/	/	SYM
easat-6664	334	3	jfrc-10	jfrc-10	PROPN
easat-6664	334	4	-	-	PUNCT
easat-6664	334	5	2024	2024	NUM
easat-6664	334	6	-	-	SYM
easat-6664	334	7	0206	0206	NUM
easat-6664	334	8	[	[	X
easat-6664	334	9	11	11	NUM
easat-6664	334	10	]	]	PUNCT
easat-6664	334	11	h.	h.	PROPN
easat-6664	334	12	n.	n.	PROPN
easat-6664	334	13	quoc	quoc	PROPN
easat-6664	334	14	,	,	PUNCT
easat-6664	334	15	d.	d.	PROPN
easat-6664	334	16	le	le	X
easat-6664	334	17	quoc	quoc	PROPN
easat-6664	334	18	,	,	PUNCT
easat-6664	334	19	and	and	CCONJ
easat-6664	334	20	h.	h.	PROPN
easat-6664	334	21	n.	n.	PROPN
easat-6664	334	22	van	van	PROPN
easat-6664	334	23	,	,	PUNCT
easat-6664	334	24	"	"	PUNCT
easat-6664	334	25	assessing	assess	VERB
easat-6664	334	26	digital	digital	ADJ
easat-6664	334	27	financial	financial	ADJ
easat-6664	334	28	inclusion	inclusion	NOUN
easat-6664	334	29	and	and	CCONJ
easat-6664	334	30	financial	financial	ADJ
easat-6664	334	31	crises	crisis	NOUN
easat-6664	334	32	:	:	PUNCT
easat-6664	334	33	the	the	DET
easat-6664	334	34	role	role	NOUN
easat-6664	334	35	of	of	ADP
easat-6664	334	36	financial	financial	ADJ
easat-6664	334	37	development	development	NOUN
easat-6664	334	38	in	in	ADP
easat-6664	334	39	shielding	shielding	NOUN
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easat-6664	334	41	shocks	shock	NOUN
easat-6664	334	42	,	,	PUNCT
easat-6664	334	43	"	"	PUNCT
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easat-6664	334	45	,	,	PUNCT
easat-6664	334	46	vol	vol	NOUN
easat-6664	334	47	.	.	PROPN
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easat-6664	334	49	,	,	PUNCT
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easat-6664	334	52	1	1	NUM
easat-6664	334	53	,	,	PUNCT
easat-6664	334	54	p.	p.	NOUN
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easat-6664	334	56	,	,	PUNCT
easat-6664	334	57	2025	2025	NUM
easat-6664	334	58	.	.	PUNCT
easat-6664	334	59	https://doi.org/10.1016/j.heliyon.2024.e41231	https://doi.org/10.1016/j.heliyon.2024.e41231	PROPN
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easat-6664	334	68	https://doi.org/10.1007/s13132-024-02515-6	https://doi.org/10.1007/s13132-024-02515-6	PROPN
easat-6664	334	69	https://doi.org.10.1108	https://doi.org.10.1108	PROPN
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easat-6664	334	71	jfrc-10	jfrc-10	PROPN
easat-6664	334	72	-	-	PUNCT
easat-6664	334	73	2024	2024	NUM
easat-6664	334	74	-	-	SYM
easat-6664	334	75	0206	0206	NUM
easat-6664	334	76	https://doi.org/10.1016/j.heliyon.2024.e41231	https://doi.org/10.1016/j.heliyon.2024.e41231	NUM
easat-6664	334	77	2873	2873	NUM
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easat-6664	334	81	and	and	CCONJ
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easat-6664	334	83	issn	issn	PROPN
easat-6664	334	84	:	:	PUNCT
easat-6664	334	85	2576	2576	NUM
easat-6664	334	86	-	-	SYM
easat-6664	334	87	8484	8484	NUM
easat-6664	334	88	vol	vol	NOUN
easat-6664	334	89	.	.	PROPN
easat-6664	335	1	9	9	NUM
easat-6664	335	2	,	,	PUNCT
easat-6664	335	3	no	no	INTJ
easat-6664	335	4	.	.	NOUN
easat-6664	335	5	4	4	NUM
easat-6664	335	6	:	:	SYM
easat-6664	335	7	2862	2862	NUM
easat-6664	335	8	-	-	SYM
easat-6664	335	9	2876	2876	NUM
easat-6664	335	10	,	,	PUNCT
easat-6664	335	11	2025	2025	NUM
easat-6664	335	12	doi	doi	NOUN
easat-6664	335	13	:	:	PUNCT
easat-6664	335	14	10.55214/25768484.v9i4.6664	10.55214/25768484.v9i4.6664	NUM
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easat-6664	336	1	[	[	X
easat-6664	336	2	12	12	NUM
easat-6664	336	3	]	]	PUNCT
easat-6664	336	4	l.	l.	PROPN
easat-6664	336	5	q.	q.	PROPN
easat-6664	336	6	dinh	dinh	PROPN
easat-6664	336	7	,	,	PUNCT
easat-6664	336	8	"	"	PUNCT
easat-6664	336	9	the	the	DET
easat-6664	336	10	impact	impact	NOUN
easat-6664	336	11	of	of	ADP
easat-6664	336	12	digital	digital	ADJ
easat-6664	336	13	financial	financial	ADJ
easat-6664	336	14	inclusion	inclusion	NOUN
easat-6664	336	15	on	on	ADP
easat-6664	336	16	income	income	NOUN
easat-6664	336	17	inequality	inequality	NOUN
easat-6664	336	18	amid	amid	ADP
easat-6664	336	19	economic	economic	ADJ
easat-6664	336	20	complexity	complexity	NOUN
easat-6664	336	21	:	:	PUNCT
easat-6664	336	22	a	a	DET
easat-6664	336	23	gmm	gmm	NOUN
easat-6664	336	24	and	and	CCONJ
easat-6664	336	25	bayesian	bayesian	NOUN
easat-6664	336	26	regression	regression	NOUN
easat-6664	336	27	approach	approach	NOUN
easat-6664	336	28	,	,	PUNCT
easat-6664	336	29	"	"	PUNCT
easat-6664	336	30	social	social	ADJ
easat-6664	336	31	responsibility	responsibility	NOUN
easat-6664	336	32	journal	journal	NOUN
easat-6664	336	33	,	,	PUNCT
easat-6664	336	34	vol	vol	NOUN
easat-6664	336	35	.	.	PROPN
easat-6664	336	36	21	21	NUM
easat-6664	336	37	,	,	PUNCT
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easat-6664	336	39	.	.	NOUN
easat-6664	336	40	3	3	NUM
easat-6664	336	41	,	,	PUNCT
easat-6664	336	42	pp	pp	ADJ
easat-6664	336	43	.	.	PUNCT
easat-6664	337	1	580–605	580–605	NUM
easat-6664	337	2	,	,	PUNCT
easat-6664	337	3	2025	2025	NUM
easat-6664	337	4	.	.	PUNCT
easat-6664	338	1	https://doi.org/10.1108/srj-10-2024-0727	https://doi.org/10.1108/srj-10-2024-0727	X
easat-6664	339	1	[	[	X
easat-6664	339	2	13	13	NUM
easat-6664	339	3	]	]	PUNCT
easat-6664	339	4	l.	l.	PROPN
easat-6664	339	5	q.	q.	PROPN
easat-6664	339	6	dinh	dinh	PROPN
easat-6664	339	7	,	,	PUNCT
easat-6664	339	8	"	"	PUNCT
easat-6664	339	9	the	the	DET
easat-6664	339	10	optimal	optimal	ADJ
easat-6664	339	11	inflation	inflation	NOUN
easat-6664	339	12	threshold	threshold	NOUN
easat-6664	339	13	in	in	ADP
easat-6664	339	14	digital	digital	ADJ
easat-6664	339	15	financial	financial	ADJ
easat-6664	339	16	inclusion	inclusion	NOUN
easat-6664	339	17	:	:	PUNCT
easat-6664	339	18	a	a	DET
easat-6664	339	19	key	key	NOUN
easat-6664	339	20	to	to	ADP
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easat-6664	339	22	development	development	NOUN
easat-6664	339	23	,	,	PUNCT
easat-6664	339	24	"	"	PUNCT
easat-6664	339	25	sn	sn	PROPN
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easat-6664	339	29	,	,	PUNCT
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easat-6664	339	31	.	.	PROPN
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easat-6664	339	33	,	,	PUNCT
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easat-6664	339	36	5	5	NUM
easat-6664	339	37	,	,	PUNCT
easat-6664	339	38	pp	pp	ADJ
easat-6664	339	39	.	.	PUNCT
easat-6664	340	1	1	1	NUM
easat-6664	340	2	-	-	SYM
easat-6664	340	3	20	20	NUM
easat-6664	340	4	,	,	PUNCT
easat-6664	340	5	2025	2025	NUM
easat-6664	340	6	.	.	PUNCT
easat-6664	341	1	https://doi.org/10.1007/s43546-025-00810-1	https://doi.org/10.1007/s43546-025-00810-1	NUM
easat-6664	342	1	[	[	X
easat-6664	342	2	14	14	NUM
easat-6664	342	3	]	]	X
easat-6664	342	4	d.	d.	PROPN
easat-6664	342	5	f.	f.	PROPN
easat-6664	342	6	benoit	benoit	PROPN
easat-6664	342	7	and	and	CCONJ
easat-6664	342	8	d.	d.	PROPN
easat-6664	342	9	van	van	PROPN
easat-6664	342	10	den	den	PROPN
easat-6664	342	11	poel	poel	NOUN
easat-6664	342	12	,	,	PUNCT
easat-6664	342	13	"	"	PUNCT
easat-6664	342	14	bayesqr	bayesqr	NOUN
easat-6664	342	15	:	:	PUNCT
easat-6664	342	16	a	a	DET
easat-6664	342	17	bayesian	bayesian	NOUN
easat-6664	342	18	approach	approach	NOUN
easat-6664	342	19	to	to	ADP
easat-6664	342	20	quantile	quantile	ADJ
easat-6664	342	21	regression	regression	NOUN
easat-6664	342	22	,	,	PUNCT
easat-6664	342	23	"	"	PUNCT
easat-6664	342	24	journal	journal	NOUN
easat-6664	342	25	of	of	ADP
easat-6664	342	26	statistical	statistical	ADJ
easat-6664	342	27	software	software	NOUN
easat-6664	342	28	,	,	PUNCT
easat-6664	342	29	vol	vol	NOUN
easat-6664	342	30	.	.	PROPN
easat-6664	343	1	76	76	NUM
easat-6664	343	2	,	,	PUNCT
easat-6664	344	1	pp	pp	ADJ
easat-6664	344	2	.	.	PUNCT
easat-6664	345	1	1	1	NUM
easat-6664	345	2	-	-	SYM
easat-6664	345	3	32	32	NUM
easat-6664	345	4	,	,	PUNCT
easat-6664	345	5	2017	2017	NUM
easat-6664	345	6	.	.	PUNCT
easat-6664	346	1	https://doi.org/10.18637/jss.v076.i07	https://doi.org/10.18637/jss.v076.i07	X
easat-6664	347	1	[	[	X
easat-6664	347	2	15	15	NUM
easat-6664	347	3	]	]	X
easat-6664	347	4	n.	n.	PROPN
easat-6664	347	5	q.	q.	PROPN
easat-6664	347	6	huy	huy	PROPN
easat-6664	347	7	,	,	PUNCT
easat-6664	347	8	n.	n.	PROPN
easat-6664	347	9	v.	v.	PROPN
easat-6664	347	10	h.	h.	PROPN
easat-6664	347	11	dong	dong	PROPN
easat-6664	347	12	,	,	PUNCT
easat-6664	347	13	and	and	CCONJ
easat-6664	347	14	l.	l.	PROPN
easat-6664	347	15	q.	q.	PROPN
easat-6664	347	16	dinh	dinh	PROPN
easat-6664	347	17	,	,	PUNCT
easat-6664	347	18	"	"	PUNCT
easat-6664	347	19	examining	examine	VERB
easat-6664	347	20	the	the	DET
easat-6664	347	21	roles	role	NOUN
easat-6664	347	22	of	of	ADP
easat-6664	347	23	monetary	monetary	ADJ
easat-6664	347	24	and	and	CCONJ
easat-6664	347	25	fiscal	fiscal	ADJ
easat-6664	347	26	policies	policy	NOUN
easat-6664	347	27	in	in	ADP
easat-6664	347	28	vietnam	vietnam	PROPN
easat-6664	347	29	’s	’s	PART
easat-6664	347	30	economic	economic	ADJ
easat-6664	347	31	growth	growth	NOUN
easat-6664	347	32	amid	amid	ADP
easat-6664	347	33	global	global	ADJ
easat-6664	347	34	challenges	challenge	NOUN
easat-6664	347	35	:	:	PUNCT
easat-6664	347	36	a	a	DET
easat-6664	347	37	bayesian	bayesian	NOUN
easat-6664	347	38	var	var	NOUN
easat-6664	347	39	and	and	CCONJ
easat-6664	347	40	wavelet	wavelet	NOUN
easat-6664	347	41	coherence	coherence	NOUN
easat-6664	347	42	approach	approach	NOUN
easat-6664	347	43	,	,	PUNCT
easat-6664	347	44	"	"	PUNCT
easat-6664	347	45	international	international	ADJ
easat-6664	347	46	journal	journal	NOUN
easat-6664	347	47	of	of	ADP
easat-6664	347	48	innovative	innovative	ADJ
easat-6664	347	49	research	research	NOUN
easat-6664	347	50	and	and	CCONJ
easat-6664	347	51	scientific	scientific	ADJ
easat-6664	347	52	studies	study	NOUN
easat-6664	347	53	,	,	PUNCT
easat-6664	347	54	vol	vol	NOUN
easat-6664	347	55	.	.	PROPN
easat-6664	347	56	8	8	NUM
easat-6664	347	57	,	,	PUNCT
easat-6664	347	58	no	no	INTJ
easat-6664	347	59	.	.	NOUN
easat-6664	347	60	2	2	NUM
easat-6664	347	61	,	,	PUNCT
easat-6664	347	62	pp	pp	ADJ
easat-6664	347	63	.	.	PUNCT
easat-6664	347	64	2758–2769	2758–2769	NUM
easat-6664	347	65	,	,	PUNCT
easat-6664	347	66	2025	2025	NUM
easat-6664	347	67	.	.	PUNCT
easat-6664	347	68	https://doi.org/10.53894/ijirss.v8i2.5791	https://doi.org/10.53894/ijirss.v8i2.5791	X
easat-6664	348	1	[	[	X
easat-6664	348	2	16	16	NUM
easat-6664	348	3	]	]	X
easat-6664	348	4	h.	h.	PROPN
easat-6664	348	5	n.	n.	PROPN
easat-6664	348	6	quoc	quoc	PROPN
easat-6664	348	7	,	,	PUNCT
easat-6664	348	8	h.	h.	PROPN
easat-6664	348	9	n.	n.	PROPN
easat-6664	348	10	van	van	PROPN
easat-6664	348	11	,	,	PUNCT
easat-6664	348	12	and	and	CCONJ
easat-6664	348	13	d.	d.	PROPN
easat-6664	348	14	le	le	PROPN
easat-6664	348	15	quoc	quoc	PROPN
easat-6664	348	16	,	,	PUNCT
easat-6664	348	17	"	"	PUNCT
easat-6664	348	18	unraveling	unravel	VERB
easat-6664	348	19	the	the	DET
easat-6664	348	20	nexus	nexus	NOUN
easat-6664	348	21	between	between	ADP
easat-6664	348	22	sustainable	sustainable	ADJ
easat-6664	348	23	development	development	NOUN
easat-6664	348	24	,	,	PUNCT
easat-6664	348	25	bank	bank	NOUN
easat-6664	348	26	profitability	profitability	NOUN
easat-6664	348	27	,	,	PUNCT
easat-6664	348	28	and	and	CCONJ
easat-6664	348	29	loan	loan	NOUN
easat-6664	348	30	loss	loss	NOUN
easat-6664	348	31	provisions	provision	NOUN
easat-6664	348	32	in	in	ADP
easat-6664	348	33	vietnam	vietnam	PROPN
easat-6664	348	34	:	:	PUNCT
easat-6664	348	35	a	a	DET
easat-6664	348	36	bayesian	bayesian	NOUN
easat-6664	348	37	vector	vector	NOUN
easat-6664	348	38	autoregression	autoregression	NOUN
easat-6664	348	39	perspective	perspective	NOUN
easat-6664	348	40	,	,	PUNCT
easat-6664	348	41	"	"	PUNCT
easat-6664	348	42	research	research	NOUN
easat-6664	348	43	on	on	ADP
easat-6664	348	44	world	world	NOUN
easat-6664	348	45	agricultural	agricultural	ADJ
easat-6664	348	46	economy	economy	NOUN
easat-6664	348	47	,	,	PUNCT
easat-6664	348	48	pp	pp	ADJ
easat-6664	348	49	.	.	PUNCT
easat-6664	349	1	123	123	NUM
easat-6664	349	2	-	-	SYM
easat-6664	349	3	139	139	NUM
easat-6664	349	4	,	,	PUNCT
easat-6664	349	5	2025	2025	NUM
easat-6664	349	6	.	.	PUNCT
easat-6664	350	1	https://doi.org/10.36956/rwae.v6i2.1444	https://doi.org/10.36956/rwae.v6i2.1444	PROPN
easat-6664	351	1	[	[	X
easat-6664	351	2	17	17	NUM
easat-6664	351	3	]	]	PUNCT
easat-6664	351	4	a.	a.	NOUN
easat-6664	351	5	george	george	PROPN
easat-6664	351	6	,	,	PUNCT
easat-6664	351	7	"	"	PUNCT
easat-6664	351	8	the	the	DET
easat-6664	351	9	market	market	NOUN
easat-6664	351	10	for	for	ADP
easat-6664	351	11	‘	'	PUNCT
easat-6664	351	12	lemons	lemon	NOUN
easat-6664	351	13	’	'	PUNCT
easat-6664	351	14	:	:	PUNCT
easat-6664	351	15	quality	quality	NOUN
easat-6664	351	16	uncertainty	uncertainty	NOUN
easat-6664	351	17	and	and	CCONJ
easat-6664	351	18	the	the	DET
easat-6664	351	19	market	market	NOUN
easat-6664	351	20	mechanism	mechanism	NOUN
easat-6664	351	21	,	,	PUNCT
easat-6664	351	22	"	"	PUNCT
easat-6664	351	23	quarterly	quarterly	ADJ
easat-6664	351	24	journal	journal	NOUN
easat-6664	351	25	of	of	ADP
easat-6664	351	26	economics	economic	NOUN
easat-6664	351	27	,	,	PUNCT
easat-6664	351	28	vol	vol	NOUN
easat-6664	351	29	.	.	PROPN
easat-6664	351	30	84	84	NUM
easat-6664	351	31	,	,	PUNCT
easat-6664	351	32	no	no	INTJ
easat-6664	351	33	.	.	NOUN
easat-6664	351	34	3	3	NUM
easat-6664	351	35	,	,	PUNCT
easat-6664	351	36	pp	pp	ADJ
easat-6664	351	37	.	.	PUNCT
easat-6664	352	1	488	488	NUM
easat-6664	352	2	-	-	SYM
easat-6664	352	3	500	500	NUM
easat-6664	352	4	,	,	PUNCT
easat-6664	352	5	1970	1970	NUM
easat-6664	352	6	.	.	PUNCT
easat-6664	353	1	[	[	X
easat-6664	353	2	18	18	NUM
easat-6664	353	3	]	]	X
easat-6664	353	4	d.	d.	PROPN
easat-6664	353	5	w.	w.	PROPN
easat-6664	353	6	diamond	diamond	PROPN
easat-6664	353	7	,	,	PUNCT
easat-6664	353	8	"	"	PUNCT
easat-6664	353	9	financial	financial	ADJ
easat-6664	353	10	intermediation	intermediation	NOUN
easat-6664	353	11	and	and	CCONJ
easat-6664	353	12	delegated	delegate	VERB
easat-6664	353	13	monitoring	monitoring	NOUN
easat-6664	353	14	,	,	PUNCT
easat-6664	353	15	"	"	PUNCT
easat-6664	353	16	the	the	DET
easat-6664	353	17	review	review	NOUN
easat-6664	353	18	of	of	ADP
easat-6664	353	19	economic	economic	ADJ
easat-6664	353	20	studies	study	NOUN
easat-6664	353	21	,	,	PUNCT
easat-6664	353	22	vol	vol	NOUN
easat-6664	353	23	.	.	PROPN
easat-6664	354	1	51	51	NUM
easat-6664	354	2	,	,	PUNCT
easat-6664	354	3	no	no	INTJ
easat-6664	354	4	.	.	NOUN
easat-6664	354	5	3	3	NUM
easat-6664	354	6	,	,	PUNCT
easat-6664	354	7	pp	pp	ADJ
easat-6664	354	8	.	.	PUNCT
easat-6664	355	1	393	393	NUM
easat-6664	355	2	-	-	SYM
easat-6664	355	3	414	414	NUM
easat-6664	355	4	,	,	PUNCT
easat-6664	355	5	1984	1984	NUM
easat-6664	355	6	.	.	PUNCT
easat-6664	356	1	[	[	X
easat-6664	356	2	19	19	NUM
easat-6664	356	3	]	]	PUNCT
easat-6664	356	4	a.	a.	NOUN
easat-6664	356	5	marshall	marshall	PROPN
easat-6664	356	6	,	,	PUNCT
easat-6664	356	7	equilibrium	equilibrium	NOUN
easat-6664	356	8	of	of	ADP
easat-6664	356	9	normal	normal	ADJ
easat-6664	356	10	demand	demand	NOUN
easat-6664	356	11	and	and	CCONJ
easat-6664	356	12	supply	supply	NOUN
easat-6664	356	13	.	.	PUNCT
easat-6664	357	1	in	in	ADP
easat-6664	357	2	principles	principle	NOUN
easat-6664	357	3	of	of	ADP
easat-6664	357	4	economics	economic	NOUN
easat-6664	357	5	.	.	PUNCT
easat-6664	358	1	london	london	PROPN
easat-6664	358	2	:	:	PUNCT
easat-6664	358	3	palgrave	palgrave	PROPN
easat-6664	358	4	macmillan	macmillan	PROPN
easat-6664	358	5	uk	uk	PROPN
easat-6664	358	6	,	,	PUNCT
easat-6664	358	7	1920	1920	NUM
easat-6664	358	8	.	.	PUNCT
easat-6664	359	1	[	[	X
easat-6664	359	2	20	20	NUM
easat-6664	359	3	]	]	PUNCT
easat-6664	359	4	i.	i.	PROPN
easat-6664	359	5	c.	c.	PROPN
easat-6664	359	6	amakor	amakor	PROPN
easat-6664	359	7	and	and	CCONJ
easat-6664	359	8	o.	o.	PROPN
easat-6664	359	9	eneh	eneh	PROPN
easat-6664	359	10	,	,	PUNCT
easat-6664	359	11	"	"	PUNCT
easat-6664	359	12	financial	financial	ADJ
easat-6664	359	13	inclusion	inclusion	NOUN
easat-6664	359	14	and	and	CCONJ
easat-6664	359	15	unemployment	unemployment	NOUN
easat-6664	359	16	rate	rate	NOUN
easat-6664	359	17	in	in	ADP
easat-6664	359	18	nigeria	nigeria	PROPN
easat-6664	359	19	,	,	PUNCT
easat-6664	359	20	"	"	PUNCT
easat-6664	359	21	international	international	ADJ
easat-6664	359	22	journal	journal	NOUN
easat-6664	359	23	of	of	ADP
easat-6664	359	24	research	research	NOUN
easat-6664	359	25	(	(	PUNCT
easat-6664	359	26	ijr	ijr	PROPN
easat-6664	359	27	)	)	PUNCT
easat-6664	359	28	,	,	PUNCT
easat-6664	359	29	vol	vol	NOUN
easat-6664	359	30	.	.	PROPN
easat-6664	359	31	8	8	NUM
easat-6664	359	32	,	,	PUNCT
easat-6664	359	33	no	no	INTJ
easat-6664	359	34	.	.	NOUN
easat-6664	359	35	11	11	NUM
easat-6664	359	36	,	,	PUNCT
easat-6664	359	37	pp	pp	ADJ
easat-6664	359	38	.	.	PUNCT
easat-6664	360	1	1	1	NUM
easat-6664	360	2	-	-	SYM
easat-6664	360	3	14	14	NUM
easat-6664	360	4	,	,	PUNCT
easat-6664	360	5	2021	2021	NUM
easat-6664	360	6	.	.	PUNCT
easat-6664	361	1	[	[	X
easat-6664	361	2	21	21	NUM
easat-6664	361	3	]	]	PUNCT
easat-6664	361	4	m.	m.	NOUN
easat-6664	361	5	a.	a.	PROPN
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easat-6664	361	7	,	,	PUNCT
easat-6664	361	8	j.	j.	PROPN
easat-6664	361	9	david	david	PROPN
easat-6664	361	10	,	,	PUNCT
easat-6664	361	11	and	and	CCONJ
easat-6664	361	12	a.	a.	NOUN
easat-6664	361	13	m.	m.	NOUN
easat-6664	361	14	onimisi	onimisi	ADJ
easat-6664	361	15	,	,	PUNCT
easat-6664	361	16	"	"	PUNCT
easat-6664	361	17	advancing	advance	VERB
easat-6664	361	18	inclusive	inclusive	ADJ
easat-6664	361	19	growth	growth	NOUN
easat-6664	361	20	in	in	ADP
easat-6664	361	21	nigeria	nigeria	PROPN
easat-6664	361	22	:	:	PUNCT
easat-6664	361	23	the	the	DET
easat-6664	361	24	role	role	NOUN
easat-6664	361	25	of	of	ADP
easat-6664	361	26	financial	financial	ADJ
easat-6664	361	27	inclusion	inclusion	NOUN
easat-6664	361	28	in	in	ADP
easat-6664	361	29	poverty	poverty	NOUN
easat-6664	361	30	,	,	PUNCT
easat-6664	361	31	inequality	inequality	NOUN
easat-6664	361	32	,	,	PUNCT
easat-6664	361	33	household	household	NOUN
easat-6664	361	34	expenditure	expenditure	NOUN
easat-6664	361	35	,	,	PUNCT
easat-6664	361	36	and	and	CCONJ
easat-6664	361	37	unemployment	unemployment	NOUN
easat-6664	361	38	,	,	PUNCT
easat-6664	361	39	"	"	PUNCT
easat-6664	361	40	indonesian	indonesian	ADJ
easat-6664	361	41	journal	journal	PROPN
easat-6664	361	42	of	of	ADP
easat-6664	361	43	islamic	islamic	ADJ
easat-6664	361	44	economics	economics	PROPN
easat-6664	361	45	research	research	NOUN
easat-6664	361	46	,	,	PUNCT
easat-6664	361	47	vol	vol	NOUN
easat-6664	361	48	.	.	PROPN
easat-6664	361	49	2	2	NUM
easat-6664	361	50	,	,	PUNCT
easat-6664	361	51	no	no	INTJ
easat-6664	361	52	.	.	NOUN
easat-6664	361	53	2	2	NUM
easat-6664	361	54	,	,	PUNCT
easat-6664	361	55	pp	pp	ADJ
easat-6664	361	56	.	.	PUNCT
easat-6664	362	1	70	70	NUM
easat-6664	362	2	-	-	SYM
easat-6664	362	3	84	84	NUM
easat-6664	362	4	,	,	PUNCT
easat-6664	362	5	2020	2020	NUM
easat-6664	362	6	.	.	PUNCT
easat-6664	363	1	https://doi.org/10.18326/ijier.v2i2.3914	https://doi.org/10.18326/ijier.v2i2.3914	NOUN
easat-6664	363	2	[	[	X
easat-6664	363	3	22	22	NUM
easat-6664	363	4	]	]	PUNCT
easat-6664	363	5	e.-b	e.-b	PROPN
easat-6664	363	6	.	.	PROPN
easat-6664	363	7	mehry	mehry	PROPN
easat-6664	363	8	,	,	PUNCT
easat-6664	363	9	s.	s.	PROPN
easat-6664	363	10	ashraf	ashraf	PROPN
easat-6664	363	11	,	,	PUNCT
easat-6664	363	12	and	and	CCONJ
easat-6664	363	13	e.	e.	PROPN
easat-6664	363	14	marwa	marwa	PROPN
easat-6664	363	15	,	,	PUNCT
easat-6664	363	16	"	"	PUNCT
easat-6664	363	17	the	the	DET
easat-6664	363	18	impact	impact	NOUN
easat-6664	363	19	of	of	ADP
easat-6664	363	20	financial	financial	ADJ
easat-6664	363	21	inclusion	inclusion	NOUN
easat-6664	363	22	on	on	ADP
easat-6664	363	23	unemployment	unemployment	NOUN
easat-6664	363	24	rate	rate	NOUN
easat-6664	363	25	in	in	ADP
easat-6664	363	26	developing	develop	VERB
easat-6664	363	27	countries	country	NOUN
easat-6664	363	28	,	,	PUNCT
easat-6664	363	29	"	"	PUNCT
easat-6664	363	30	international	international	ADJ
easat-6664	363	31	journal	journal	NOUN
easat-6664	363	32	of	of	ADP
easat-6664	363	33	economics	economic	NOUN
easat-6664	363	34	and	and	CCONJ
easat-6664	363	35	financial	financial	ADJ
easat-6664	363	36	issues	issue	NOUN
easat-6664	363	37	,	,	PUNCT
easat-6664	363	38	vol	vol	NOUN
easat-6664	363	39	.	.	PROPN
easat-6664	364	1	11	11	NUM
easat-6664	364	2	,	,	PUNCT
easat-6664	364	3	no	no	INTJ
easat-6664	364	4	.	.	NOUN
easat-6664	364	5	1	1	NUM
easat-6664	364	6	,	,	PUNCT
easat-6664	364	7	pp	pp	ADJ
easat-6664	364	8	.	.	PUNCT
easat-6664	365	1	1	1	NUM
easat-6664	365	2	-	-	SYM
easat-6664	365	3	15	15	NUM
easat-6664	365	4	,	,	PUNCT
easat-6664	365	5	2021	2021	NUM
easat-6664	365	6	.	.	PUNCT
easat-6664	366	1	https://doy.org/10.32479/ijefi.10871	https://doy.org/10.32479/ijefi.10871	NOUN
easat-6664	367	1	[	[	X
easat-6664	367	2	23	23	NUM
easat-6664	367	3	]	]	X
easat-6664	367	4	n.	n.	NOUN
easat-6664	367	5	alshyab	alshyab	PROPN
easat-6664	367	6	,	,	PUNCT
easat-6664	367	7	s.	s.	PROPN
easat-6664	367	8	sandri	sandri	PROPN
easat-6664	367	9	,	,	PUNCT
easat-6664	367	10	and	and	CCONJ
easat-6664	367	11	d.	d.	PROPN
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easat-6664	367	13	,	,	PUNCT
easat-6664	367	14	"	"	PUNCT
easat-6664	367	15	the	the	DET
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easat-6664	367	17	of	of	ADP
easat-6664	367	18	financial	financial	ADJ
easat-6664	367	19	inclusion	inclusion	NOUN
easat-6664	367	20	on	on	ADP
easat-6664	367	21	unemployment	unemployment	NOUN
easat-6664	367	22	reduction	reduction	NOUN
easat-6664	367	23	-	-	PUNCT
easat-6664	367	24	evidence	evidence	NOUN
easat-6664	367	25	from	from	ADP
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easat-6664	367	27	-	-	ADJ
easat-6664	367	28	oil	oil	ADJ
easat-6664	367	29	producing	produce	VERB
easat-6664	367	30	arab	arab	ADJ
easat-6664	367	31	countries	country	NOUN
easat-6664	367	32	,	,	PUNCT
easat-6664	367	33	"	"	PUNCT
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easat-6664	367	35	journal	journal	NOUN
easat-6664	367	36	of	of	ADP
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easat-6664	367	38	performance	performance	NOUN
easat-6664	367	39	management	management	NOUN
easat-6664	367	40	,	,	PUNCT
easat-6664	367	41	vol	vol	NOUN
easat-6664	367	42	.	.	PROPN
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easat-6664	367	44	,	,	PUNCT
easat-6664	367	45	no	no	INTJ
easat-6664	367	46	.	.	NOUN
easat-6664	367	47	2	2	NUM
easat-6664	367	48	-	-	SYM
easat-6664	367	49	3	3	NUM
easat-6664	367	50	,	,	PUNCT
easat-6664	367	51	pp	pp	ADJ
easat-6664	367	52	.	.	PUNCT
easat-6664	367	53	100116	100116	NUM
easat-6664	367	54	,	,	PUNCT
easat-6664	367	55	2021	2021	NUM
easat-6664	367	56	.	.	PUNCT
easat-6664	368	1	https://doi.org/10.1504/ijbpm.2021.116409	https://doi.org/10.1504/ijbpm.2021.116409	X
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easat-6664	369	2	24	24	NUM
easat-6664	369	3	]	]	PUNCT
easat-6664	369	4	t.	t.	PROPN
easat-6664	369	5	h.	h.	PROPN
easat-6664	369	6	williams	williams	PROPN
easat-6664	369	7	,	,	PUNCT
easat-6664	369	8	g.	g.	PROPN
easat-6664	369	9	o.	o.	PROPN
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easat-6664	369	11	,	,	PUNCT
easat-6664	369	12	t.	t.	PROPN
easat-6664	369	13	d.	d.	PROPN
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easat-6664	369	15	,	,	PUNCT
easat-6664	369	16	s.	s.	PROPN
easat-6664	369	17	f.	f.	PROPN
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easat-6664	369	19	,	,	PUNCT
easat-6664	369	20	and	and	CCONJ
easat-6664	369	21	m.	m.	NOUN
easat-6664	369	22	o.	o.	PROPN
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easat-6664	369	24	,	,	PUNCT
easat-6664	369	25	"	"	PUNCT
easat-6664	369	26	do	do	AUX
easat-6664	369	27	illiteracy	illiteracy	NOUN
easat-6664	369	28	and	and	CCONJ
easat-6664	369	29	unemployment	unemployment	NOUN
easat-6664	369	30	affect	affect	VERB
easat-6664	369	31	financial	financial	ADJ
easat-6664	369	32	inclusion	inclusion	NOUN
easat-6664	369	33	in	in	ADP
easat-6664	369	34	the	the	DET
easat-6664	369	35	rural	rural	ADJ
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easat-6664	369	39	countries	country	NOUN
easat-6664	369	40	?	?	PUNCT
easat-6664	370	1	,	,	PUNCT
easat-6664	370	2	"	"	PUNCT
easat-6664	370	3	investment	investment	NOUN
easat-6664	370	4	management	management	NOUN
easat-6664	370	5	&	&	CCONJ
easat-6664	370	6	financial	financial	ADJ
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easat-6664	370	8	,	,	PUNCT
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easat-6664	370	10	.	.	PROPN
easat-6664	370	11	20	20	NUM
easat-6664	370	12	,	,	PUNCT
easat-6664	370	13	no	no	INTJ
easat-6664	370	14	.	.	NOUN
easat-6664	370	15	2	2	NUM
easat-6664	370	16	,	,	PUNCT
easat-6664	370	17	pp	pp	ADJ
easat-6664	370	18	.	.	PUNCT
easat-6664	370	19	89	89	NUM
easat-6664	370	20	-	-	SYM
easat-6664	370	21	101	101	NUM
easat-6664	370	22	,	,	PUNCT
easat-6664	370	23	2023	2023	NUM
easat-6664	370	24	.	.	PUNCT
easat-6664	371	1	http://dx.doi.org/10.21511/imfi.20(2).2023.08	http://dx.doi.org/10.21511/imfi.20(2).2023.08	NOUN
easat-6664	372	1	[	[	X
easat-6664	372	2	25	25	NUM
easat-6664	372	3	]	]	X
easat-6664	372	4	c.	c.	PROPN
easat-6664	372	5	t.	t.	PROPN
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easat-6664	372	7	,	,	PUNCT
easat-6664	372	8	o.	o.	PROPN
easat-6664	372	9	e.	e.	PROPN
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easat-6664	372	11	,	,	PUNCT
easat-6664	372	12	and	and	CCONJ
easat-6664	372	13	c.	c.	PROPN
easat-6664	372	14	s.	s.	PROPN
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easat-6664	372	16	,	,	PUNCT
easat-6664	372	17	"	"	PUNCT
easat-6664	372	18	financial	financial	ADJ
easat-6664	372	19	inclusion	inclusion	NOUN
easat-6664	372	20	and	and	CCONJ
easat-6664	372	21	unemployment	unemployment	NOUN
easat-6664	372	22	in	in	ADP
easat-6664	372	23	nigeria	nigeria	PROPN
easat-6664	372	24	,	,	PUNCT
easat-6664	372	25	"	"	PUNCT
easat-6664	372	26	journal	journal	NOUN
easat-6664	372	27	of	of	ADP
easat-6664	372	28	advanced	advanced	ADJ
easat-6664	372	29	research	research	NOUN
easat-6664	372	30	in	in	ADP
easat-6664	372	31	economics	economic	NOUN
easat-6664	372	32	and	and	CCONJ
easat-6664	372	33	administrative	administrative	ADJ
easat-6664	372	34	sciences	science	NOUN
easat-6664	372	35	,	,	PUNCT
easat-6664	372	36	vol	vol	NOUN
easat-6664	372	37	.	.	PROPN
easat-6664	373	1	4	4	NUM
easat-6664	373	2	,	,	PUNCT
easat-6664	373	3	no	no	INTJ
easat-6664	373	4	.	.	NOUN
easat-6664	373	5	4	4	NUM
easat-6664	373	6	,	,	PUNCT
easat-6664	373	7	pp	pp	ADJ
easat-6664	373	8	.	.	PUNCT
easat-6664	374	1	28	28	NUM
easat-6664	374	2	-	-	SYM
easat-6664	374	3	47	47	NUM
easat-6664	374	4	,	,	PUNCT
easat-6664	374	5	2023	2023	NUM
easat-6664	374	6	.	.	PUNCT
easat-6664	375	1	[	[	X
easat-6664	375	2	26	26	NUM
easat-6664	375	3	]	]	X
easat-6664	375	4	d.	d.	PROPN
easat-6664	375	5	h.	h.	PROPN
easat-6664	375	6	wibowo	wibowo	PROPN
easat-6664	375	7	,	,	PUNCT
easat-6664	375	8	y.	y.	PROPN
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easat-6664	375	10	,	,	PUNCT
easat-6664	375	11	and	and	CCONJ
easat-6664	375	12	m.	m.	PROPN
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easat-6664	375	14	,	,	PUNCT
easat-6664	375	15	"	"	PUNCT
easat-6664	375	16	impact	impact	NOUN
easat-6664	375	17	of	of	ADP
easat-6664	375	18	financial	financial	ADJ
easat-6664	375	19	inclusion	inclusion	NOUN
easat-6664	375	20	on	on	ADP
easat-6664	375	21	economic	economic	ADJ
easat-6664	375	22	growth	growth	NOUN
easat-6664	375	23	and	and	CCONJ
easat-6664	375	24	unemployment	unemployment	NOUN
easat-6664	375	25	:	:	PUNCT
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easat-6664	375	28	southeast	southeast	ADJ
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easat-6664	375	30	countries	country	NOUN
easat-6664	375	31	,	,	PUNCT
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easat-6664	375	34	journal	journal	NOUN
easat-6664	375	35	of	of	ADP
easat-6664	375	36	finance	finance	PROPN
easat-6664	375	37	&	&	CCONJ
easat-6664	375	38	banking	banking	NOUN
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easat-6664	375	40	,	,	PUNCT
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easat-6664	375	42	.	.	PROPN
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easat-6664	375	44	,	,	PUNCT
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easat-6664	375	46	.	.	NOUN
easat-6664	375	47	2	2	NUM
easat-6664	375	48	,	,	PUNCT
easat-6664	375	49	pp	pp	ADJ
easat-6664	375	50	.	.	PUNCT
easat-6664	376	1	55	55	NUM
easat-6664	376	2	-	-	SYM
easat-6664	376	3	66	66	NUM
easat-6664	376	4	,	,	PUNCT
easat-6664	376	5	2023	2023	NUM
easat-6664	376	6	.	.	PUNCT
easat-6664	377	1	https://doi.org/10.20525/ijfbs.v12i2.2770	https://doi.org/10.20525/ijfbs.v12i2.2770	NOUN
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easat-6664	377	3	27	27	NUM
easat-6664	377	4	]	]	X
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easat-6664	377	7	,	,	PUNCT
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easat-6664	377	11	wei	wei	PROPN
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easat-6664	377	13	s.	s.	PROPN
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easat-6664	377	19	and	and	CCONJ
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easat-6664	377	25	between	between	ADP
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easat-6664	377	28	,	,	PUNCT
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easat-6664	377	36	in	in	ADP
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easat-6664	377	42	and	and	CCONJ
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easat-6664	377	46	,	,	PUNCT
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easat-6664	377	50	,	,	PUNCT
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easat-6664	377	54	,	,	PUNCT
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easat-6664	377	56	.	.	PUNCT
easat-6664	378	1	1	1	NUM
easat-6664	378	2	-	-	SYM
easat-6664	378	3	10	10	NUM
easat-6664	378	4	,	,	PUNCT
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easat-6664	379	1	https://doi.org/10.1057/s41599-023-02133-8	https://doi.org/10.1057/s41599-023-02133-8	PROPN
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easat-6664	380	3	]	]	X
easat-6664	380	4	s.	s.	PROPN
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easat-6664	380	7	m.	m.	NOUN
easat-6664	380	8	a.	a.	NOUN
easat-6664	380	9	bein	bein	PROPN
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easat-6664	380	34	,	,	PUNCT
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easat-6664	380	36	.	.	NOUN
easat-6664	380	37	2	2	NUM
easat-6664	380	38	,	,	PUNCT
easat-6664	380	39	pp	pp	ADJ
easat-6664	380	40	.	.	PUNCT
easat-6664	381	1	307	307	NUM
easat-6664	381	2	-	-	SYM
easat-6664	381	3	319	319	NUM
easat-6664	381	4	,	,	PUNCT
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easat-6664	381	6	.	.	PUNCT
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easat-6664	382	2	[	[	SYM
easat-6664	382	3	29	29	NUM
easat-6664	382	4	]	]	PUNCT
easat-6664	382	5	t.-c	t.-c	PROPN
easat-6664	382	6	.	.	PUNCT
easat-6664	383	1	chen	chen	PROPN
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easat-6664	383	4	.	.	PUNCT
easat-6664	384	1	kim	kim	PROPN
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easat-6664	384	3	and	and	CCONJ
easat-6664	384	4	s.-c	s.-c	NOUN
easat-6664	384	5	.	.	PUNCT
easat-6664	385	1	lin	lin	PROPN
easat-6664	385	2	,	,	PUNCT
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easat-6664	385	6	the	the	DET
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easat-6664	385	9	financial	financial	ADJ
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easat-6664	385	11	and	and	CCONJ
easat-6664	385	12	financial	financial	ADJ
easat-6664	385	13	structure	structure	NOUN
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easat-6664	385	15	unemployment	unemployment	NOUN
easat-6664	385	16	,	,	PUNCT
easat-6664	385	17	"	"	PUNCT
easat-6664	385	18	economic	economic	ADJ
easat-6664	385	19	systems	system	NOUN
easat-6664	385	20	,	,	PUNCT
easat-6664	385	21	vol	vol	NOUN
easat-6664	385	22	.	.	PROPN
easat-6664	386	1	45	45	NUM
easat-6664	386	2	,	,	PUNCT
easat-6664	386	3	no	no	INTJ
easat-6664	386	4	.	.	NOUN
easat-6664	386	5	1	1	NUM
easat-6664	386	6	,	,	PUNCT
easat-6664	386	7	p.	p.	NOUN
easat-6664	386	8	100766	100766	NUM
easat-6664	386	9	,	,	PUNCT
easat-6664	386	10	2021	2021	NUM
easat-6664	386	11	.	.	PUNCT
easat-6664	387	1	https://doi.org/10.1016/j.ecosys.2020.100766	https://doi.org/10.1016/j.ecosys.2020.100766	PROPN
easat-6664	387	2	[	[	X
easat-6664	387	3	30	30	NUM
easat-6664	387	4	]	]	PUNCT
easat-6664	387	5	s.	s.	PROPN
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easat-6664	387	7	,	,	PUNCT
easat-6664	387	8	n.	n.	PROPN
easat-6664	387	9	m.	m.	PROPN
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easat-6664	387	11	,	,	PUNCT
easat-6664	387	12	and	and	CCONJ
easat-6664	387	13	m.	m.	NOUN
easat-6664	387	14	t.	t.	PROPN
easat-6664	387	15	musakwa	musakwa	PROPN
easat-6664	387	16	,	,	PUNCT
easat-6664	387	17	"	"	PUNCT
easat-6664	387	18	bank	bank	NOUN
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easat-6664	387	20	and	and	CCONJ
easat-6664	387	21	unemployment	unemployment	NOUN
easat-6664	387	22	in	in	ADP
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easat-6664	387	24	:	:	PUNCT
easat-6664	387	25	an	an	DET
easat-6664	387	26	empirical	empirical	ADJ
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easat-6664	388	2	-	-	SYM
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easat-6664	388	4	,	,	PUNCT
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easat-6664	388	6	.	.	PUNCT
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easat-6664	390	3	]	]	PUNCT
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easat-6664	390	40	,	,	PUNCT
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easat-6664	391	2	-	-	SYM
easat-6664	391	3	384	384	NUM
easat-6664	391	4	,	,	PUNCT
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easat-6664	392	7	,	,	PUNCT
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easat-6664	392	43	.	.	PROPN
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easat-6664	392	45	,	,	PUNCT
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easat-6664	392	49	,	,	PUNCT
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easat-6664	393	2	-	-	SYM
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easat-6664	393	4	,	,	PUNCT
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easat-6664	393	6	.	.	PUNCT
easat-6664	394	1	https://doi.org/10.1007/s13132-023-01260-6	https://doi.org/10.1007/s13132-023-01260-6	NUM
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easat-6664	394	4	]	]	PUNCT
easat-6664	394	5	t.	t.	PROPN
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easat-6664	395	14	:	:	PUNCT
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easat-6664	396	6	,	,	PUNCT
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easat-6664	396	9	,	,	PUNCT
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easat-6664	397	1	https://doi.org/10.1016/j.heliyon.2023.e16647	https://doi.org/10.1016/j.heliyon.2023.e16647	X
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easat-6664	399	1	13	13	NUM
easat-6664	399	2	-	-	SYM
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easat-6664	399	4	,	,	PUNCT
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easat-6664	399	6	.	.	PUNCT
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easat-6664	401	1	https://doi.org/10.1108/srj-10-2024-0727	https://doi.org/10.1108/srj-10-2024-0727	X
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easat-6664	404	6	:	:	SYM
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easat-6664	404	8	-	-	SYM
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easat-6664	406	1	50	50	NUM
easat-6664	406	2	-	-	SYM
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easat-6664	407	44	,	,	PUNCT
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easat-6664	407	47	,	,	PUNCT
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easat-6664	409	3	measurement	measurement	NOUN
easat-6664	409	4	source	source	NOUN
easat-6664	409	5	dependent	dependent	ADJ
easat-6664	409	6	variable	variable	ADJ
easat-6664	409	7	une	une	NOUN
easat-6664	409	8	unemployment	unemployment	NOUN
easat-6664	409	9	rate	rate	NOUN
easat-6664	409	10	the	the	DET
easat-6664	409	11	measurement	measurement	NOUN
easat-6664	409	12	of	of	ADP
easat-6664	409	13	unemployment	unemployment	NOUN
easat-6664	409	14	in	in	ADP
easat-6664	409	15	this	this	DET
easat-6664	409	16	study	study	NOUN
easat-6664	409	17	is	be	AUX
easat-6664	409	18	based	base	VERB
easat-6664	409	19	on	on	ADP
easat-6664	409	20	the	the	DET
easat-6664	409	21	indicator	indicator	NOUN
easat-6664	409	22	"	"	PUNCT
easat-6664	409	23	unemployment	unemployment	NOUN
easat-6664	409	24	,	,	PUNCT
easat-6664	409	25	total	total	NOUN
easat-6664	409	26	(	(	PUNCT
easat-6664	409	27	%	%	NOUN
easat-6664	409	28	of	of	ADP
easat-6664	409	29	total	total	ADJ
easat-6664	409	30	labor	labor	NOUN
easat-6664	409	31	force	force	NOUN
easat-6664	409	32	)	)	PUNCT
easat-6664	409	33	"	"	PUNCT
easat-6664	409	34	,	,	PUNCT
easat-6664	409	35	which	which	PRON
easat-6664	409	36	represents	represent	VERB
easat-6664	409	37	the	the	DET
easat-6664	409	38	percentage	percentage	NOUN
easat-6664	409	39	of	of	ADP
easat-6664	409	40	the	the	DET
easat-6664	409	41	total	total	ADJ
easat-6664	409	42	labor	labor	NOUN
easat-6664	409	43	force	force	NOUN
easat-6664	409	44	that	that	PRON
easat-6664	409	45	is	be	AUX
easat-6664	409	46	unemployed	unemployed	ADJ
easat-6664	409	47	and	and	CCONJ
easat-6664	409	48	actively	actively	ADV
easat-6664	409	49	seeking	seek	VERB
easat-6664	409	50	employment	employment	NOUN
easat-6664	409	51	wb	wb	PROPN
easat-6664	409	52	independent	independent	PROPN
easat-6664	409	53	variables	variable	NOUN
easat-6664	409	54	dfi	dfi	PROPN
easat-6664	409	55	digital	digital	PROPN
easat-6664	409	56	financial	financial	ADJ
easat-6664	409	57	inclusion	inclusion	NOUN
easat-6664	409	58	we	we	PRON
easat-6664	409	59	use	use	VERB
easat-6664	409	60	the	the	DET
easat-6664	409	61	pca	pca	NOUN
easat-6664	409	62	technique	technique	NOUN
easat-6664	409	63	to	to	PART
easat-6664	409	64	calculate	calculate	VERB
easat-6664	409	65	dfi	dfi	PROPN
easat-6664	409	66	.	.	PUNCT
easat-6664	410	1	authors	author	NOUN
easat-6664	410	2	1	1	NUM
easat-6664	410	3	.	.	PUNCT
easat-6664	410	4	bra	bra	NOUN
easat-6664	410	5	the	the	DET
easat-6664	410	6	number	number	NOUN
easat-6664	410	7	of	of	ADP
easat-6664	410	8	bank	bank	NOUN
easat-6664	410	9	branches	branch	NOUN
easat-6664	410	10	.	.	PUNCT
easat-6664	411	1	number	number	NOUN
easat-6664	411	2	of	of	ADP
easat-6664	411	3	commercial	commercial	ADJ
easat-6664	411	4	bank	bank	NOUN
easat-6664	411	5	branches	branch	NOUN
easat-6664	411	6	per	per	ADP
easat-6664	411	7	100,000	100,000	NUM
easat-6664	411	8	adults	adult	NOUN
easat-6664	411	9	.	.	PUNCT
easat-6664	412	1	wb	wb	PROPN
easat-6664	412	2	,	,	PUNCT
easat-6664	412	3	imf	imf	PROPN
easat-6664	412	4	2	2	NUM
easat-6664	412	5	.	.	PUNCT
easat-6664	412	6	atm	atm	VERB
easat-6664	412	7	the	the	DET
easat-6664	412	8	number	number	NOUN
easat-6664	412	9	of	of	ADP
easat-6664	412	10	atms	atms	NOUN
easat-6664	412	11	number	number	NOUN
easat-6664	412	12	of	of	ADP
easat-6664	412	13	atms	atms	NOUN
easat-6664	412	14	per	per	ADP
easat-6664	412	15	100,000	100,000	NUM
easat-6664	412	16	adults	adult	NOUN
easat-6664	412	17	.	.	PUNCT
easat-6664	413	1	wb	wb	AUX
easat-6664	413	2	,	,	PUNCT
easat-6664	413	3	imf	imf	PROPN
easat-6664	413	4	wb	wb	PROPN
easat-6664	413	5	,	,	PUNCT
easat-6664	413	6	imf	imf	PROPN
easat-6664	413	7	3	3	NUM
easat-6664	413	8	.	.	PUNCT
easat-6664	413	9	olb	olb	PROPN
easat-6664	413	10	outstanding	outstanding	ADJ
easat-6664	413	11	loans	loan	NOUN
easat-6664	413	12	from	from	ADP
easat-6664	413	13	commercial	commercial	ADJ
easat-6664	413	14	banks	bank	NOUN
easat-6664	413	15	the	the	DET
easat-6664	413	16	percentage	percentage	NOUN
easat-6664	413	17	representing	represent	VERB
easat-6664	413	18	the	the	DET
easat-6664	413	19	total	total	ADJ
easat-6664	413	20	value	value	NOUN
easat-6664	413	21	of	of	ADP
easat-6664	413	22	loans	loan	NOUN
easat-6664	413	23	provided	provide	VERB
easat-6664	413	24	by	by	ADP
easat-6664	413	25	commercial	commercial	ADJ
easat-6664	413	26	banks	bank	NOUN
easat-6664	413	27	within	within	ADP
easat-6664	413	28	a	a	DET
easat-6664	413	29	specific	specific	ADJ
easat-6664	413	30	nation	nation	NOUN
easat-6664	413	31	relative	relative	ADJ
easat-6664	413	32	to	to	ADP
easat-6664	413	33	its	its	PRON
easat-6664	413	34	gdp	gdp	NOUN
easat-6664	413	35	.	.	PUNCT
easat-6664	414	1	wb	wb	PROPN
easat-6664	414	2	,	,	PUNCT
easat-6664	414	3	imf	imf	PROPN
easat-6664	414	4	4	4	NUM
easat-6664	414	5	.	.	PUNCT
easat-6664	415	1	odb	odb	PROPN
easat-6664	415	2	outstanding	outstanding	ADJ
easat-6664	415	3	balance	balance	NOUN
easat-6664	415	4	of	of	ADP
easat-6664	415	5	deposits	deposit	NOUN
easat-6664	415	6	at	at	ADP
easat-6664	415	7	commercial	commercial	ADJ
easat-6664	415	8	banks	bank	NOUN
easat-6664	415	9	the	the	DET
easat-6664	415	10	percentage	percentage	NOUN
easat-6664	415	11	indicating	indicate	VERB
easat-6664	415	12	the	the	DET
easat-6664	415	13	total	total	ADJ
easat-6664	415	14	value	value	NOUN
easat-6664	415	15	of	of	ADP
easat-6664	415	16	deposits	deposit	NOUN
easat-6664	415	17	maintained	maintain	VERB
easat-6664	415	18	within	within	ADP
easat-6664	415	19	commercial	commercial	ADJ
easat-6664	415	20	banks	bank	NOUN
easat-6664	415	21	within	within	ADP
easat-6664	415	22	a	a	DET
easat-6664	415	23	given	give	VERB
easat-6664	415	24	country	country	NOUN
easat-6664	415	25	in	in	ADP
easat-6664	415	26	relation	relation	NOUN
easat-6664	415	27	to	to	ADP
easat-6664	415	28	its	its	PRON
easat-6664	415	29	gdp	gdp	NOUN
easat-6664	415	30	.	.	PUNCT
easat-6664	416	1	wb	wb	PROPN
easat-6664	416	2	,	,	PUNCT
easat-6664	416	3	imf	imf	PROPN
easat-6664	416	4	5.mcs	5.mcs	ADV
easat-6664	416	5	mobile	mobile	ADJ
easat-6664	416	6	cellular	cellular	ADJ
easat-6664	416	7	subscriptions	subscription	NOUN
easat-6664	416	8	mobile	mobile	ADJ
easat-6664	416	9	cellular	cellular	ADJ
easat-6664	416	10	subscriptions	subscription	NOUN
easat-6664	416	11	per	per	ADP
easat-6664	416	12	100	100	NUM
easat-6664	416	13	people	people	NOUN
easat-6664	416	14	wb	wb	PROPN
easat-6664	416	15	6	6	NUM
easat-6664	416	16	.	.	PUNCT
easat-6664	417	1	int	int	NOUN
easat-6664	417	2	individuals	individual	NOUN
easat-6664	417	3	using	use	VERB
easat-6664	417	4	the	the	DET
easat-6664	417	5	internet	internet	NOUN
easat-6664	417	6	the	the	DET
easat-6664	417	7	percentage	percentage	NOUN
easat-6664	417	8	of	of	ADP
easat-6664	417	9	individuals	individual	NOUN
easat-6664	417	10	in	in	ADP
easat-6664	417	11	a	a	DET
easat-6664	417	12	specific	specific	ADJ
easat-6664	417	13	country	country	NOUN
easat-6664	417	14	or	or	CCONJ
easat-6664	417	15	region	region	NOUN
easat-6664	417	16	who	who	PRON
easat-6664	417	17	have	have	VERB
easat-6664	417	18	access	access	NOUN
easat-6664	417	19	to	to	ADP
easat-6664	417	20	and	and	CCONJ
easat-6664	417	21	utilize	utilize	VERB
easat-6664	417	22	the	the	DET
easat-6664	417	23	internet	internet	NOUN
easat-6664	417	24	.	.	PUNCT
easat-6664	418	1	(	(	PUNCT
easat-6664	418	2	%	%	INTJ
easat-6664	418	3	)	)	PUNCT
easat-6664	418	4	wb	wb	PROPN
easat-6664	418	5	7	7	NUM
easat-6664	418	6	.	.	PUNCT
easat-6664	418	7	fbs	fbs	PROPN
easat-6664	418	8	fixed	fix	VERB
easat-6664	418	9	broadband	broadband	NOUN
easat-6664	418	10	subscriptions	subscription	NOUN
easat-6664	418	11	fixed	fix	VERB
easat-6664	418	12	broadband	broadband	NOUN
easat-6664	418	13	subscriptions	subscription	NOUN
easat-6664	418	14	(	(	PUNCT
easat-6664	418	15	per	per	ADP
easat-6664	418	16	100	100	NUM
easat-6664	418	17	people	people	NOUN
easat-6664	418	18	)	)	PUNCT
easat-6664	418	19	wb	wb	PROPN
easat-6664	418	20	fd	fd	PROPN
easat-6664	418	21	financial	financial	PROPN
easat-6664	418	22	development	development	NOUN
easat-6664	418	23	index	index	NOUN
easat-6664	418	24	using	use	VERB
easat-6664	418	25	105	105	NUM
easat-6664	418	26	indicators	indicator	NOUN
easat-6664	418	27	from	from	ADP
easat-6664	418	28	gfdd	gfdd	NOUN
easat-6664	418	29	and	and	CCONJ
easat-6664	418	30	46	46	NUM
easat-6664	418	31	from	from	ADP
easat-6664	418	32	finstats	finstat	NOUN
easat-6664	418	33	,	,	PUNCT
easat-6664	418	34	experts	expert	NOUN
easat-6664	418	35	constructed	construct	VERB
easat-6664	418	36	sub	sub	NOUN
easat-6664	418	37	-	-	NOUN
easat-6664	418	38	indices	index	NOUN
easat-6664	418	39	(	(	PUNCT
easat-6664	418	40	fid	fid	NOUN
easat-6664	418	41	,	,	PUNCT
easat-6664	418	42	fia	fia	PROPN
easat-6664	418	43	,	,	PUNCT
easat-6664	418	44	fie	fie	NOUN
easat-6664	418	45	,	,	PUNCT
easat-6664	418	46	fmd	fmd	NOUN
easat-6664	418	47	,	,	PUNCT
easat-6664	418	48	fma	fma	NOUN
easat-6664	418	49	,	,	PUNCT
easat-6664	418	50	fme	fme	NOUN
easat-6664	418	51	,	,	PUNCT
easat-6664	418	52	fi	fi	NOUN
easat-6664	418	53	,	,	PUNCT
easat-6664	418	54	fm	fm	PROPN
easat-6664	418	55	)	)	PUNCT
easat-6664	418	56	and	and	CCONJ
easat-6664	418	57	combined	combine	VERB
easat-6664	418	58	them	they	PRON
easat-6664	418	59	into	into	ADP
easat-6664	418	60	the	the	DET
easat-6664	418	61	overall	overall	ADJ
easat-6664	418	62	fd	fd	PROPN
easat-6664	418	63	index	index	NOUN
easat-6664	418	64	.	.	PUNCT
easat-6664	419	1	imf	imf	PROPN
easat-6664	419	2	control	control	PROPN
easat-6664	419	3	variables	variables	PROPN
easat-6664	419	4	inf	inf	ADJ
easat-6664	419	5	inflation	inflation	NOUN
easat-6664	419	6	rate	rate	NOUN
easat-6664	419	7	annual	annual	ADJ
easat-6664	419	8	cpi	cpi	PROPN
easat-6664	419	9	growth	growth	NOUN
easat-6664	419	10	rate	rate	NOUN
easat-6664	419	11	(	(	PUNCT
easat-6664	419	12	%	%	INTJ
easat-6664	419	13	)	)	PUNCT
easat-6664	419	14	is	be	AUX
easat-6664	419	15	the	the	DET
easat-6664	419	16	year	year	NOUN
easat-6664	419	17	-	-	PUNCT
easat-6664	419	18	over	over	ADP
easat-6664	419	19	-	-	PUNCT
easat-6664	419	20	year	year	NOUN
easat-6664	419	21	percentage	percentage	NOUN
easat-6664	419	22	change	change	NOUN
easat-6664	419	23	in	in	ADP
easat-6664	419	24	the	the	DET
easat-6664	419	25	consumer	consumer	NOUN
easat-6664	419	26	price	price	NOUN
easat-6664	419	27	index	index	NOUN
easat-6664	419	28	(	(	PUNCT
easat-6664	419	29	cpi	cpi	PROPN
easat-6664	419	30	)	)	PUNCT
easat-6664	419	31	.	.	PUNCT
easat-6664	420	1	wdi	wdi	PROPN
easat-6664	420	2	ur	ur	PROPN
easat-6664	420	3	urban	urban	ADJ
easat-6664	420	4	population	population	PROPN
easat-6664	420	5	urban	urban	ADJ
easat-6664	420	6	population	population	NOUN
easat-6664	420	7	(	(	PUNCT
easat-6664	420	8	%	%	NOUN
easat-6664	420	9	of	of	ADP
easat-6664	420	10	total	total	ADJ
easat-6664	420	11	population	population	NOUN
easat-6664	420	12	)	)	PUNCT
easat-6664	420	13	wdi	wdi	PROPN
easat-6664	420	14	pop	pop	NOUN
easat-6664	420	15	population	population	NOUN
easat-6664	420	16	growth	growth	NOUN
easat-6664	420	17	rate	rate	NOUN
easat-6664	420	18	annual	annual	ADJ
easat-6664	420	19	population	population	NOUN
easat-6664	420	20	growth	growth	NOUN
easat-6664	420	21	rate	rate	NOUN
easat-6664	420	22	(	(	PUNCT
easat-6664	420	23	%	%	INTJ
easat-6664	420	24	)	)	PUNCT
easat-6664	420	25	wdi	wdi	PROPN
easat-6664	420	26	fdi	fdi	ADJ
easat-6664	420	27	foreign	foreign	ADJ
easat-6664	420	28	direct	direct	ADJ
easat-6664	420	29	investment	investment	NOUN
easat-6664	420	30	foreign	foreign	ADJ
easat-6664	420	31	direct	direct	ADJ
easat-6664	420	32	investment	investment	NOUN
easat-6664	420	33	,	,	PUNCT
easat-6664	420	34	net	net	ADJ
easat-6664	420	35	inflows	inflow	NOUN
easat-6664	420	36	(	(	PUNCT
easat-6664	420	37	%	%	NOUN
easat-6664	420	38	of	of	ADP
easat-6664	420	39	gdp	gdp	PROPN
easat-6664	420	40	)	)	PUNCT
easat-6664	420	41	wdi	wdi	PROPN
easat-6664	420	42	gdp	gdp	PROPN
easat-6664	420	43	economic	economic	PROPN
easat-6664	420	44	growth	growth	PROPN
easat-6664	420	45	gdp	gdp	NOUN
easat-6664	420	46	growth	growth	NOUN
easat-6664	420	47	per	per	ADP
easat-6664	420	48	capita	capita	X
easat-6664	420	49	(	(	PUNCT
easat-6664	420	50	%	%	INTJ
easat-6664	420	51	)	)	PUNCT
easat-6664	420	52	wdi	wdi	PROPN
easat-6664	420	53	https://doi.org/10.1016/j.jeconom.2007.05.010	https://doi.org/10.1016/j.jeconom.2007.05.010	PROPN
easat-6664	420	54	https://doi.org/10.1007/s12665-020-08862-w	https://doi.org/10.1007/s12665-020-08862-w	PROPN
easat-6664	420	55	2875	2875	NUM
easat-6664	420	56	edelweiss	edelweiss	PROPN
easat-6664	420	57	applied	apply	VERB
easat-6664	420	58	science	science	NOUN
easat-6664	420	59	and	and	CCONJ
easat-6664	420	60	technology	technology	NOUN
easat-6664	420	61	issn	issn	PROPN
easat-6664	420	62	:	:	PUNCT
easat-6664	420	63	2576	2576	NUM
easat-6664	420	64	-	-	SYM
easat-6664	420	65	8484	8484	NUM
easat-6664	420	66	vol	vol	NOUN
easat-6664	420	67	.	.	PROPN
easat-6664	421	1	9	9	NUM
easat-6664	421	2	,	,	PUNCT
easat-6664	421	3	no	no	INTJ
easat-6664	421	4	.	.	NOUN
easat-6664	421	5	4	4	NUM
easat-6664	421	6	:	:	SYM
easat-6664	421	7	2862	2862	NUM
easat-6664	421	8	-	-	SYM
easat-6664	421	9	2876	2876	NUM
easat-6664	421	10	,	,	PUNCT
easat-6664	421	11	2025	2025	NUM
easat-6664	421	12	doi	doi	NOUN
easat-6664	421	13	:	:	PUNCT
easat-6664	421	14	10.55214/25768484.v9i4.6664	10.55214/25768484.v9i4.6664	NUM
easat-6664	421	15	©	©	PROPN
easat-6664	421	16	2025	2025	NUM
easat-6664	421	17	by	by	ADP
easat-6664	421	18	the	the	DET
easat-6664	421	19	authors	author	NOUN
easat-6664	421	20	;	;	PUNCT
easat-6664	421	21	licensee	licensee	PROPN
easat-6664	421	22	learning	learning	NOUN
easat-6664	421	23	gate	gate	NOUN
easat-6664	421	24	2876	2876	NUM
easat-6664	421	25	edelweiss	edelweiss	PROPN
easat-6664	421	26	applied	apply	VERB
easat-6664	421	27	science	science	NOUN
easat-6664	421	28	and	and	CCONJ
easat-6664	421	29	technology	technology	NOUN
easat-6664	421	30	issn	issn	PROPN
easat-6664	421	31	:	:	PUNCT
easat-6664	421	32	2576	2576	NUM
easat-6664	421	33	-	-	SYM
easat-6664	421	34	8484	8484	NUM
easat-6664	421	35	vol	vol	NOUN
easat-6664	421	36	.	.	PROPN
easat-6664	422	1	9	9	NUM
easat-6664	422	2	,	,	PUNCT
easat-6664	422	3	no	no	INTJ
easat-6664	422	4	.	.	NOUN
easat-6664	422	5	4	4	NUM
easat-6664	422	6	:	:	SYM
easat-6664	422	7	2862	2862	NUM
easat-6664	422	8	-	-	SYM
easat-6664	422	9	2876	2876	NUM
easat-6664	422	10	,	,	PUNCT
easat-6664	422	11	2025	2025	NUM
easat-6664	422	12	doi	doi	NOUN
easat-6664	422	13	:	:	PUNCT
easat-6664	422	14	10.55214/25768484.v9i4.6664	10.55214/25768484.v9i4.6664	NUM
easat-6664	422	15	©	©	PROPN
easat-6664	422	16	2025	2025	NUM
easat-6664	422	17	by	by	ADP
easat-6664	422	18	the	the	DET
easat-6664	422	19	authors	author	NOUN
easat-6664	422	20	;	;	PUNCT
easat-6664	422	21	licensee	licensee	PROPN
easat-6664	422	22	learning	learn	VERB
easat-6664	422	23	gate	gate	NOUN
easat-6664	422	24	appendix	appendix	NOUN
easat-6664	422	25	2	2	NUM
easat-6664	422	26	.	.	PUNCT
easat-6664	422	27	trace	trace	NOUN
easat-6664	422	28	plot	plot	NOUN
easat-6664	422	29	and	and	CCONJ
easat-6664	422	30	histogram	histogram	NOUN
easat-6664	422	31	of	of	ADP
easat-6664	422	32	dfi	dfi	PROPN
easat-6664	422	33	at	at	ADP
easat-6664	422	34	co2	co2	NOUN
easat-6664	422	35	quantiles	quantile	NOUN
easat-6664	422	36	.	.	PUNCT