id	sid	tid	token	lemma	pos
emaj-329	1	1	volume	volume	NOUN
emaj-329	1	2	7	7	NUM
emaj-329	1	3	no	no	DET
emaj-329	1	4	2	2	NUM
emaj-329	1	5	(	(	PUNCT
emaj-329	1	6	2018	2018	NUM
emaj-329	1	7	)	)	PUNCT
emaj-329	2	1	|	|	ADV
emaj-329	2	2	issn	issn	VERB
emaj-329	2	3	2158	2158	NUM
emaj-329	2	4	-	-	SYM
emaj-329	2	5	8708	8708	NUM
emaj-329	2	6	(	(	PUNCT
emaj-329	2	7	online	online	NOUN
emaj-329	2	8	)	)	PUNCT
emaj-329	2	9	|	|	ADV
emaj-329	2	10	doi	doi	X
emaj-329	2	11	10.5195	10.5195	NUM
emaj-329	2	12	/	/	SYM
emaj-329	2	13	emaj.2018.134	emaj.2018.134	PROPN
emaj-329	2	14	|	|	ADV
emaj-329	2	15	http://emaj.pitt.edu	http://emaj.pitt.edu	VERB
emaj-329	2	16	financial	financial	ADJ
emaj-329	2	17	innovation	innovation	NOUN
emaj-329	2	18	,	,	PUNCT
emaj-329	2	19	economic	economic	ADJ
emaj-329	2	20	growth	growth	NOUN
emaj-329	2	21	and	and	CCONJ
emaj-329	2	22	sustainable	sustainable	ADJ
emaj-329	2	23	development	development	NOUN
emaj-329	2	24	in	in	ADP
emaj-329	2	25	an	an	DET
emaj-329	2	26	emerging	emerge	VERB
emaj-329	2	27	market	market	NOUN
emaj-329	2	28	:	:	PUNCT
emaj-329	2	29	nigeria	nigeria	PROPN
emaj-329	2	30	olugbenga	olugbenga	PROPN
emaj-329	2	31	adeshola	adeshola	PROPN
emaj-329	2	32	olunuga	olunuga	ADJ
emaj-329	2	33	university	university	PROPN
emaj-329	2	34	of	of	ADP
emaj-329	2	35	lagos	lagos	PROPN
emaj-329	2	36	,	,	PUNCT
emaj-329	2	37	nigeria	nigeria	PROPN
emaj-329	2	38	|	|	ADV
emaj-329	2	39	e	e	NOUN
emaj-329	2	40	-	-	NOUN
emaj-329	2	41	mail	mail	NOUN
emaj-329	2	42	:	:	PUNCT
emaj-329	2	43	oluadeshola2001@yahoo.com	oluadeshola2001@yahoo.com	X
emaj-329	3	1	mustapha	mustapha	PROPN
emaj-329	3	2	babatunde	babatunde	PROPN
emaj-329	3	3	ademola	ademola	PROPN
emaj-329	3	4	ashoghon	ashoghon	PROPN
emaj-329	3	5	lagos	lagos	PROPN
emaj-329	3	6	state	state	PROPN
emaj-329	3	7	university	university	PROPN
emaj-329	3	8	of	of	ADP
emaj-329	3	9	science	science	NOUN
emaj-329	3	10	and	and	CCONJ
emaj-329	3	11	technology	technology	NOUN
emaj-329	3	12	,	,	PUNCT
emaj-329	3	13	nigeria	nigeria	PROPN
emaj-329	4	1	|	|	ADV
emaj-329	4	2	e	e	NOUN
emaj-329	4	3	-	-	NOUN
emaj-329	4	4	mail	mail	NOUN
emaj-329	4	5	:	:	PUNCT
emaj-329	5	1	ashogbonhtkb@yahoo.com	ashogbonhtkb@yahoo.com	X
emaj-329	6	1	abstract	abstract	ADJ
emaj-329	6	2	this	this	DET
emaj-329	6	3	paper	paper	NOUN
emaj-329	6	4	presents	present	VERB
emaj-329	6	5	recent	recent	ADJ
emaj-329	6	6	studies	study	NOUN
emaj-329	6	7	on	on	ADP
emaj-329	6	8	the	the	DET
emaj-329	6	9	effects	effect	NOUN
emaj-329	6	10	of	of	ADP
emaj-329	6	11	financial	financial	ADJ
emaj-329	6	12	innovation	innovation	NOUN
emaj-329	6	13	on	on	ADP
emaj-329	6	14	economic	economic	ADJ
emaj-329	6	15	growth	growth	NOUN
emaj-329	6	16	and	and	CCONJ
emaj-329	6	17	sustainable	sustainable	ADJ
emaj-329	6	18	development	development	NOUN
emaj-329	6	19	in	in	ADP
emaj-329	6	20	nigeria	nigeria	PROPN
emaj-329	6	21	.	.	PUNCT
emaj-329	7	1	the	the	DET
emaj-329	7	2	financial	financial	ADJ
emaj-329	7	3	sectors	sector	NOUN
emaj-329	7	4	worldwide	worldwide	ADV
emaj-329	7	5	are	be	AUX
emaj-329	7	6	becoming	become	VERB
emaj-329	7	7	increasingly	increasingly	ADV
emaj-329	7	8	important	important	ADJ
emaj-329	7	9	and	and	CCONJ
emaj-329	7	10	competitive	competitive	ADJ
emaj-329	7	11	.	.	PUNCT
emaj-329	8	1	therefore	therefore	ADV
emaj-329	8	2	,	,	PUNCT
emaj-329	8	3	in	in	ADP
emaj-329	8	4	order	order	NOUN
emaj-329	8	5	to	to	PART
emaj-329	8	6	compete	compete	VERB
emaj-329	8	7	successfully	successfully	ADV
emaj-329	8	8	,	,	PUNCT
emaj-329	8	9	it	it	PRON
emaj-329	8	10	is	be	AUX
emaj-329	8	11	necessary	necessary	ADJ
emaj-329	8	12	to	to	PART
emaj-329	8	13	possess	possess	VERB
emaj-329	8	14	flexibility	flexibility	NOUN
emaj-329	8	15	and	and	CCONJ
emaj-329	8	16	adaptability	adaptability	NOUN
emaj-329	8	17	to	to	PART
emaj-329	8	18	change	change	VERB
emaj-329	8	19	,	,	PUNCT
emaj-329	8	20	as	as	ADV
emaj-329	8	21	well	well	ADV
emaj-329	8	22	as	as	ADP
emaj-329	8	23	a	a	DET
emaj-329	8	24	willingness	willingness	NOUN
emaj-329	8	25	to	to	PART
emaj-329	8	26	embrace	embrace	VERB
emaj-329	8	27	innovation	innovation	NOUN
emaj-329	8	28	.	.	PUNCT
emaj-329	9	1	financial	financial	ADJ
emaj-329	9	2	markets	market	NOUN
emaj-329	9	3	are	be	AUX
emaj-329	9	4	becoming	become	VERB
emaj-329	9	5	more	more	ADV
emaj-329	9	6	advanced	advanced	ADJ
emaj-329	9	7	and	and	CCONJ
emaj-329	9	8	complex	complex	ADJ
emaj-329	9	9	due	due	ADJ
emaj-329	9	10	to	to	ADP
emaj-329	9	11	financial	financial	ADJ
emaj-329	9	12	innovation	innovation	NOUN
emaj-329	9	13	,	,	PUNCT
emaj-329	9	14	which	which	PRON
emaj-329	9	15	helps	help	VERB
emaj-329	9	16	direct	direct	ADJ
emaj-329	9	17	capital	capital	NOUN
emaj-329	9	18	towards	towards	ADP
emaj-329	9	19	productive	productive	ADJ
emaj-329	9	20	sectors	sector	NOUN
emaj-329	9	21	that	that	PRON
emaj-329	9	22	are	be	AUX
emaj-329	9	23	necessary	necessary	ADJ
emaj-329	9	24	for	for	ADP
emaj-329	9	25	economic	economic	ADJ
emaj-329	9	26	growth	growth	NOUN
emaj-329	9	27	and	and	CCONJ
emaj-329	9	28	development	development	NOUN
emaj-329	9	29	.	.	PUNCT
emaj-329	10	1	the	the	DET
emaj-329	10	2	study	study	NOUN
emaj-329	10	3	employed	employ	VERB
emaj-329	10	4	time	time	NOUN
emaj-329	10	5	series	series	PROPN
emaj-329	10	6	data	data	PROPN
emaj-329	10	7	.	.	PUNCT
emaj-329	11	1	statistical	statistical	ADJ
emaj-329	11	2	data	datum	NOUN
emaj-329	11	3	analysis	analysis	NOUN
emaj-329	11	4	techniques	technique	NOUN
emaj-329	11	5	were	be	AUX
emaj-329	11	6	employed	employ	VERB
emaj-329	11	7	to	to	PART
emaj-329	11	8	evaluate	evaluate	VERB
emaj-329	11	9	the	the	DET
emaj-329	11	10	secondary	secondary	ADJ
emaj-329	11	11	data	datum	NOUN
emaj-329	11	12	on	on	ADP
emaj-329	11	13	financial	financial	ADJ
emaj-329	11	14	innovation	innovation	NOUN
emaj-329	11	15	.	.	PUNCT
emaj-329	12	1	research	research	NOUN
emaj-329	12	2	indicates	indicate	VERB
emaj-329	12	3	that	that	SCONJ
emaj-329	12	4	financial	financial	ADJ
emaj-329	12	5	innovation	innovation	NOUN
emaj-329	12	6	has	have	VERB
emaj-329	12	7	a	a	DET
emaj-329	12	8	significant	significant	ADJ
emaj-329	12	9	impact	impact	NOUN
emaj-329	12	10	on	on	ADP
emaj-329	12	11	both	both	PRON
emaj-329	12	12	economic	economic	ADJ
emaj-329	12	13	growth	growth	NOUN
emaj-329	12	14	and	and	CCONJ
emaj-329	12	15	sustainable	sustainable	ADJ
emaj-329	12	16	development	development	NOUN
emaj-329	12	17	in	in	ADP
emaj-329	12	18	nigeria	nigeria	PROPN
emaj-329	12	19	.	.	PUNCT
emaj-329	13	1	the	the	DET
emaj-329	13	2	study	study	NOUN
emaj-329	13	3	found	find	VERB
emaj-329	13	4	that	that	SCONJ
emaj-329	13	5	financial	financial	ADJ
emaj-329	13	6	innovation	innovation	NOUN
emaj-329	13	7	variables	variable	NOUN
emaj-329	13	8	have	have	VERB
emaj-329	13	9	a	a	DET
emaj-329	13	10	positive	positive	ADJ
emaj-329	13	11	effect	effect	NOUN
emaj-329	13	12	.	.	PUNCT
emaj-329	14	1	therefore	therefore	ADV
emaj-329	14	2	,	,	PUNCT
emaj-329	14	3	financial	financial	ADJ
emaj-329	14	4	institutions	institution	NOUN
emaj-329	14	5	should	should	AUX
emaj-329	14	6	prioritize	prioritize	VERB
emaj-329	14	7	easy	easy	ADJ
emaj-329	14	8	and	and	CCONJ
emaj-329	14	9	secure	secure	ADJ
emaj-329	14	10	access	access	NOUN
emaj-329	14	11	to	to	ADP
emaj-329	14	12	financial	financial	ADJ
emaj-329	14	13	services	service	NOUN
emaj-329	14	14	when	when	SCONJ
emaj-329	14	15	developing	develop	VERB
emaj-329	14	16	their	their	PRON
emaj-329	14	17	financial	financial	ADJ
emaj-329	14	18	innovation	innovation	NOUN
emaj-329	14	19	strategies	strategy	NOUN
emaj-329	14	20	.	.	PUNCT
emaj-329	15	1	regulatory	regulatory	ADJ
emaj-329	15	2	bodies	body	NOUN
emaj-329	15	3	,	,	PUNCT
emaj-329	15	4	on	on	ADP
emaj-329	15	5	the	the	DET
emaj-329	15	6	other	other	ADJ
emaj-329	15	7	hand	hand	NOUN
emaj-329	15	8	,	,	PUNCT
emaj-329	15	9	should	should	AUX
emaj-329	15	10	establish	establish	VERB
emaj-329	15	11	a	a	DET
emaj-329	15	12	regulatory	regulatory	ADJ
emaj-329	15	13	environment	environment	NOUN
emaj-329	15	14	that	that	PRON
emaj-329	15	15	promotes	promote	VERB
emaj-329	15	16	innovative	innovative	ADJ
emaj-329	15	17	solutions	solution	NOUN
emaj-329	15	18	capable	capable	ADJ
emaj-329	15	19	of	of	ADP
emaj-329	15	20	influencing	influence	VERB
emaj-329	15	21	economic	economic	ADJ
emaj-329	15	22	growth	growth	NOUN
emaj-329	15	23	and	and	CCONJ
emaj-329	15	24	sustainable	sustainable	ADJ
emaj-329	15	25	development	development	NOUN
emaj-329	15	26	.	.	PUNCT
emaj-329	16	1	keywords	keyword	NOUN
emaj-329	16	2	:	:	PUNCT
emaj-329	16	3	financial	financial	ADJ
emaj-329	16	4	innovation	innovation	NOUN
emaj-329	16	5	,	,	PUNCT
emaj-329	16	6	economic	economic	ADJ
emaj-329	16	7	growth	growth	NOUN
emaj-329	16	8	,	,	PUNCT
emaj-329	16	9	sustainable	sustainable	ADJ
emaj-329	16	10	development	development	NOUN
emaj-329	16	11	,	,	PUNCT
emaj-329	16	12	financial	financial	ADJ
emaj-329	16	13	sectors	sector	NOUN
emaj-329	16	14	,	,	PUNCT
emaj-329	16	15	emerging	emerge	VERB
emaj-329	16	16	markets	market	NOUN
emaj-329	16	17	new	new	ADJ
emaj-329	16	18	articles	article	NOUN
emaj-329	16	19	in	in	ADP
emaj-329	16	20	this	this	DET
emaj-329	16	21	journal	journal	NOUN
emaj-329	16	22	are	be	AUX
emaj-329	16	23	licensed	license	VERB
emaj-329	16	24	under	under	ADP
emaj-329	16	25	a	a	DET
emaj-329	16	26	creative	creative	ADJ
emaj-329	16	27	commons	common	NOUN
emaj-329	16	28	attribution	attribution	NOUN
emaj-329	16	29	3.0	3.0	NUM
emaj-329	16	30	united	unite	VERB
emaj-329	16	31	states	states	PROPN
emaj-329	16	32	license	license	NOUN
emaj-329	16	33	.	.	PUNCT
emaj-329	17	1	this	this	DET
emaj-329	17	2	journal	journal	NOUN
emaj-329	17	3	is	be	AUX
emaj-329	17	4	published	publish	VERB
emaj-329	17	5	by	by	ADP
emaj-329	17	6	the	the	DET
emaj-329	17	7	university	university	NOUN
emaj-329	17	8	library	library	NOUN
emaj-329	17	9	system	system	NOUN
emaj-329	17	10	of	of	ADP
emaj-329	17	11	the	the	DET
emaj-329	17	12	university	university	PROPN
emaj-329	17	13	of	of	ADP
emaj-329	17	14	pittsburgh	pittsburgh	PROPN
emaj-329	17	15	as	as	ADP
emaj-329	17	16	part	part	NOUN
emaj-329	17	17	of	of	ADP
emaj-329	17	18	its	its	PRON
emaj-329	17	19	d	d	NOUN
emaj-329	17	20	-	-	PUNCT
emaj-329	17	21	scribe	scribe	VERB
emaj-329	17	22	digital	digital	ADJ
emaj-329	17	23	publishing	publishing	NOUN
emaj-329	17	24	program	program	NOUN
emaj-329	17	25	,	,	PUNCT
emaj-329	17	26	and	and	CCONJ
emaj-329	17	27	is	be	AUX
emaj-329	17	28	cosponsored	cosponsor	VERB
emaj-329	17	29	by	by	ADP
emaj-329	17	30	the	the	DET
emaj-329	17	31	university	university	PROPN
emaj-329	17	32	of	of	ADP
emaj-329	17	33	pittsburgh	pittsburgh	PROPN
emaj-329	17	34	press	press	NOUN
emaj-329	17	35	volume	volume	NOUN
emaj-329	17	36	14	14	NUM
emaj-329	17	37	no	no	PRON
emaj-329	17	38	1	1	NUM
emaj-329	17	39	(	(	PUNCT
emaj-329	17	40	2024	2024	NUM
emaj-329	17	41	)	)	PUNCT
emaj-329	17	42	|	|	ADV
emaj-329	17	43	issn	issn	VERB
emaj-329	17	44	2158	2158	NUM
emaj-329	17	45	-	-	SYM
emaj-329	17	46	8708	8708	NUM
emaj-329	17	47	(	(	PUNCT
emaj-329	17	48	online	online	NOUN
emaj-329	17	49	)	)	PUNCT
emaj-329	17	50	|	|	ADV
emaj-329	17	51	doi	doi	X
emaj-329	17	52	10.5195	10.5195	NUM
emaj-329	17	53	/	/	SYM
emaj-329	17	54	emaj.2024.329	emaj.2024.329	PROPN
emaj-329	18	1	|	|	ADV
emaj-329	18	2	http://emaj.pitt.edu	http://emaj.pitt.edu	VERB
emaj-329	18	3	|	|	ADV
emaj-329	18	4	mailto:oluadeshola2001@yahoo.com	mailto:oluadeshola2001@yahoo.com	PROPN
emaj-329	18	5	mailto:ashogbonhtkb@yahoo.com	mailto:ashogbonhtkb@yahoo.com	PROPN
emaj-329	18	6	http://www.library.pitt.edu/	http://www.library.pitt.edu/	PROPN
emaj-329	18	7	http://www.pitt.edu/	http://www.pitt.edu/	NOUN
emaj-329	19	1	http://www.library.pitt.edu/articles/digpubtype/index.html	http://www.library.pitt.edu/articles/digpubtype/index.html	NOUN
emaj-329	19	2	http://creativecommons.org/licenses/by/3.0/us/	http://creativecommons.org/licenses/by/3.0/us/	NOUN
emaj-329	19	3	volume	volume	NOUN
emaj-329	19	4	14	14	NUM
emaj-329	19	5	no	no	PRON
emaj-329	19	6	1	1	NUM
emaj-329	19	7	(	(	PUNCT
emaj-329	19	8	2024	2024	NUM
emaj-329	19	9	)	)	PUNCT
emaj-329	19	10	|	|	ADV
emaj-329	19	11	issn	issn	VERB
emaj-329	19	12	2158	2158	NUM
emaj-329	19	13	-	-	SYM
emaj-329	19	14	8708	8708	NUM
emaj-329	19	15	(	(	PUNCT
emaj-329	19	16	online	online	NOUN
emaj-329	19	17	)	)	PUNCT
emaj-329	19	18	|	|	ADV
emaj-329	19	19	doi	doi	X
emaj-329	19	20	10.5195	10.5195	NUM
emaj-329	19	21	/	/	SYM
emaj-329	19	22	emaj.2024.329|	emaj.2024.329|	NOUN
emaj-329	19	23	http://emaj.pitt.edu	http://emaj.pitt.edu	X
emaj-329	19	24	olugbenga	olugbenga	NOUN
emaj-329	19	25	adeshola	adeshola	PROPN
emaj-329	19	26	olunuga	olunuga	ADV
emaj-329	19	27	,	,	PUNCT
emaj-329	19	28	mustapha	mustapha	PROPN
emaj-329	19	29	babatunde	babatunde	PROPN
emaj-329	19	30	ademola	ademola	PROPN
emaj-329	19	31	ashoghon	ashoghon	VERB
emaj-329	19	32	emerging	emerge	VERB
emaj-329	19	33	markets	market	NOUN
emaj-329	19	34	journal	journal	NOUN
emaj-329	19	35	page	page	NOUN
emaj-329	19	36	|13|	|13|	ADJ
emaj-329	19	37	financial	financial	ADJ
emaj-329	19	38	innovation	innovation	NOUN
emaj-329	19	39	,	,	PUNCT
emaj-329	19	40	economic	economic	ADJ
emaj-329	19	41	growth	growth	NOUN
emaj-329	19	42	and	and	CCONJ
emaj-329	19	43	sustainable	sustainable	ADJ
emaj-329	19	44	development	development	NOUN
emaj-329	19	45	in	in	ADP
emaj-329	19	46	an	an	DET
emaj-329	19	47	emerging	emerge	VERB
emaj-329	19	48	market	market	NOUN
emaj-329	19	49	:	:	PUNCT
emaj-329	19	50	nigeria	nigeria	PROPN
emaj-329	19	51	olugbenga	olugbenga	PROPN
emaj-329	19	52	adeshola	adeshola	PROPN
emaj-329	19	53	olunuga	olunuga	ADJ
emaj-329	19	54	mustapha	mustapha	PROPN
emaj-329	19	55	babatunde	babatunde	PROPN
emaj-329	19	56	ademola	ademola	PROPN
emaj-329	19	57	ashoghon	ashoghon	PROPN
emaj-329	19	58	i.	i.	PROPN
emaj-329	19	59	introduction	introduction	PROPN
emaj-329	19	60	financial	financial	ADJ
emaj-329	19	61	innovations	innovation	NOUN
emaj-329	19	62	have	have	AUX
emaj-329	19	63	been	be	AUX
emaj-329	19	64	worldwide	worldwide	ADV
emaj-329	19	65	transforming	transform	VERB
emaj-329	19	66	and	and	CCONJ
emaj-329	19	67	reforming	reform	VERB
emaj-329	19	68	the	the	DET
emaj-329	19	69	way	way	NOUN
emaj-329	19	70	financial	financial	ADJ
emaj-329	19	71	services	service	NOUN
emaj-329	19	72	are	be	AUX
emaj-329	19	73	provided	provide	VERB
emaj-329	19	74	,	,	PUNCT
emaj-329	19	75	and	and	CCONJ
emaj-329	19	76	as	as	ADP
emaj-329	19	77	a	a	DET
emaj-329	19	78	consequence	consequence	NOUN
emaj-329	19	79	,	,	PUNCT
emaj-329	19	80	their	their	PRON
emaj-329	19	81	role	role	NOUN
emaj-329	19	82	in	in	ADP
emaj-329	19	83	the	the	DET
emaj-329	19	84	economies	economy	NOUN
emaj-329	19	85	is	be	AUX
emaj-329	19	86	expanding	expand	VERB
emaj-329	19	87	.	.	PUNCT
emaj-329	20	1	the	the	DET
emaj-329	20	2	link	link	NOUN
emaj-329	20	3	between	between	ADP
emaj-329	20	4	financial	financial	ADJ
emaj-329	20	5	innovation	innovation	NOUN
emaj-329	20	6	and	and	CCONJ
emaj-329	20	7	economic	economic	ADJ
emaj-329	20	8	growth	growth	NOUN
emaj-329	20	9	in	in	ADP
emaj-329	20	10	nigeria	nigeria	PROPN
emaj-329	20	11	and	and	CCONJ
emaj-329	20	12	other	other	ADJ
emaj-329	20	13	developing	develop	VERB
emaj-329	20	14	nations	nation	NOUN
emaj-329	20	15	has	have	AUX
emaj-329	20	16	not	not	PART
emaj-329	20	17	been	be	AUX
emaj-329	20	18	properly	properly	ADV
emaj-329	20	19	explored	explore	VERB
emaj-329	20	20	despite	despite	SCONJ
emaj-329	20	21	its	its	PRON
emaj-329	20	22	significant	significant	ADJ
emaj-329	20	23	contribution	contribution	NOUN
emaj-329	20	24	to	to	ADP
emaj-329	20	25	financial	financial	ADJ
emaj-329	20	26	development	development	NOUN
emaj-329	20	27	(	(	PUNCT
emaj-329	20	28	oyadeyi	oyadeyi	NOUN
emaj-329	20	29	,	,	PUNCT
emaj-329	20	30	2023	2023	NUM
emaj-329	20	31	)	)	PUNCT
emaj-329	20	32	.	.	PUNCT
emaj-329	21	1	financial	financial	ADJ
emaj-329	21	2	innovation	innovation	NOUN
emaj-329	21	3	that	that	PRON
emaj-329	21	4	becomes	become	VERB
emaj-329	21	5	the	the	DET
emaj-329	21	6	permanent	permanent	ADJ
emaj-329	21	7	feature	feature	NOUN
emaj-329	21	8	of	of	ADP
emaj-329	21	9	the	the	DET
emaj-329	21	10	capital	capital	NOUN
emaj-329	21	11	market	market	NOUN
emaj-329	21	12	results	result	NOUN
emaj-329	21	13	in	in	ADP
emaj-329	21	14	a	a	DET
emaj-329	21	15	financial	financial	ADJ
emaj-329	21	16	system	system	NOUN
emaj-329	21	17	that	that	PRON
emaj-329	21	18	is	be	AUX
emaj-329	21	19	robust	robust	ADJ
emaj-329	21	20	and	and	CCONJ
emaj-329	21	21	optimal	optimal	ADJ
emaj-329	21	22	.	.	PUNCT
emaj-329	22	1	this	this	PRON
emaj-329	22	2	,	,	PUNCT
emaj-329	22	3	in	in	ADP
emaj-329	22	4	turn	turn	NOUN
emaj-329	22	5	,	,	PUNCT
emaj-329	22	6	encourages	encourage	VERB
emaj-329	22	7	institutions	institution	NOUN
emaj-329	22	8	such	such	ADJ
emaj-329	22	9	as	as	SCONJ
emaj-329	22	10	banks	bank	NOUN
emaj-329	22	11	to	to	PART
emaj-329	22	12	appear	appear	VERB
emaj-329	22	13	to	to	PART
emaj-329	22	14	provide	provide	VERB
emaj-329	22	15	better	well	ADJ
emaj-329	22	16	financial	financial	ADJ
emaj-329	22	17	services	service	NOUN
emaj-329	22	18	,	,	PUNCT
emaj-329	22	19	higher	high	ADJ
emaj-329	22	20	credit	credit	NOUN
emaj-329	22	21	facilities	facility	NOUN
emaj-329	22	22	,	,	PUNCT
emaj-329	22	23	higher	high	ADJ
emaj-329	22	24	liquidity	liquidity	NOUN
emaj-329	22	25	,	,	PUNCT
emaj-329	22	26	and	and	CCONJ
emaj-329	22	27	wider	wide	ADJ
emaj-329	22	28	variety	variety	NOUN
emaj-329	22	29	of	of	ADP
emaj-329	22	30	financial	financial	ADJ
emaj-329	22	31	instruments	instrument	NOUN
emaj-329	22	32	.	.	PUNCT
emaj-329	23	1	these	these	DET
emaj-329	23	2	factors	factor	NOUN
emaj-329	23	3	result	result	VERB
emaj-329	23	4	in	in	ADP
emaj-329	23	5	higher	high	ADJ
emaj-329	23	6	economic	economic	ADJ
emaj-329	23	7	growth	growth	NOUN
emaj-329	23	8	as	as	ADV
emaj-329	23	9	well	well	ADV
emaj-329	23	10	as	as	ADP
emaj-329	23	11	sustainable	sustainable	ADJ
emaj-329	23	12	development	development	NOUN
emaj-329	23	13	to	to	ADP
emaj-329	23	14	the	the	DET
emaj-329	23	15	country	country	NOUN
emaj-329	23	16	(	(	PUNCT
emaj-329	23	17	sirait	sirait	NOUN
emaj-329	23	18	,	,	PUNCT
emaj-329	23	19	rosalina	rosalina	PROPN
emaj-329	23	20	&	&	CCONJ
emaj-329	23	21	sari	sari	PROPN
emaj-329	23	22	,	,	PUNCT
emaj-329	23	23	2023	2023	NUM
emaj-329	23	24	)	)	PUNCT
emaj-329	23	25	.	.	PUNCT
emaj-329	24	1	innovation	innovation	NOUN
emaj-329	24	2	is	be	AUX
emaj-329	24	3	a	a	DET
emaj-329	24	4	key	key	ADJ
emaj-329	24	5	driver	driver	NOUN
emaj-329	24	6	of	of	ADP
emaj-329	24	7	economic	economic	ADJ
emaj-329	24	8	growth	growth	NOUN
emaj-329	24	9	and	and	CCONJ
emaj-329	24	10	the	the	DET
emaj-329	24	11	change	change	NOUN
emaj-329	24	12	of	of	ADP
emaj-329	24	13	a	a	DET
emaj-329	24	14	country	country	NOUN
emaj-329	24	15	's	's	PART
emaj-329	24	16	financial	financial	ADJ
emaj-329	24	17	system	system	NOUN
emaj-329	24	18	.	.	PUNCT
emaj-329	25	1	however	however	ADV
emaj-329	25	2	,	,	PUNCT
emaj-329	25	3	further	further	ADJ
emaj-329	25	4	endeavors	endeavor	NOUN
emaj-329	25	5	are	be	AUX
emaj-329	25	6	required	require	VERB
emaj-329	25	7	to	to	PART
emaj-329	25	8	attain	attain	VERB
emaj-329	25	9	the	the	DET
emaj-329	25	10	intended	intend	VERB
emaj-329	25	11	augmentation	augmentation	NOUN
emaj-329	25	12	in	in	ADP
emaj-329	25	13	economic	economic	ADJ
emaj-329	25	14	growth	growth	NOUN
emaj-329	25	15	and	and	CCONJ
emaj-329	25	16	sustainability	sustainability	NOUN
emaj-329	25	17	in	in	ADP
emaj-329	25	18	nigeria	nigeria	PROPN
emaj-329	25	19	(	(	PUNCT
emaj-329	25	20	amarachi	amarachi	NOUN
emaj-329	25	21	,	,	PUNCT
emaj-329	25	22	2023	2023	NUM
emaj-329	25	23	)	)	PUNCT
emaj-329	25	24	.	.	PUNCT
emaj-329	26	1	financial	financial	ADJ
emaj-329	26	2	innovation	innovation	NOUN
emaj-329	26	3	in	in	ADP
emaj-329	26	4	the	the	DET
emaj-329	26	5	nigerian	nigerian	ADJ
emaj-329	26	6	economy	economy	NOUN
emaj-329	26	7	has	have	VERB
emaj-329	26	8	several	several	ADJ
emaj-329	26	9	associated	associated	ADJ
emaj-329	26	10	issues	issue	NOUN
emaj-329	26	11	,	,	PUNCT
emaj-329	26	12	including	include	VERB
emaj-329	26	13	inadequate	inadequate	ADJ
emaj-329	26	14	financial	financial	ADJ
emaj-329	26	15	literacy	literacy	NOUN
emaj-329	26	16	education	education	NOUN
emaj-329	26	17	,	,	PUNCT
emaj-329	26	18	a	a	DET
emaj-329	26	19	gender	gender	NOUN
emaj-329	26	20	gap	gap	NOUN
emaj-329	26	21	in	in	ADP
emaj-329	26	22	account	account	NOUN
emaj-329	26	23	ownership	ownership	NOUN
emaj-329	26	24	,	,	PUNCT
emaj-329	26	25	low	low	ADJ
emaj-329	26	26	rates	rate	NOUN
emaj-329	26	27	of	of	ADP
emaj-329	26	28	financial	financial	ADJ
emaj-329	26	29	deepening	deepening	NOUN
emaj-329	26	30	and	and	CCONJ
emaj-329	26	31	inclusion	inclusion	NOUN
emaj-329	26	32	,	,	PUNCT
emaj-329	26	33	weak	weak	ADJ
emaj-329	26	34	telecommunication	telecommunication	NOUN
emaj-329	26	35	services	service	NOUN
emaj-329	26	36	in	in	ADP
emaj-329	26	37	rural	rural	ADJ
emaj-329	26	38	areas	area	NOUN
emaj-329	26	39	,	,	PUNCT
emaj-329	26	40	deficient	deficient	ADJ
emaj-329	26	41	infrastructural	infrastructural	ADJ
emaj-329	26	42	development	development	NOUN
emaj-329	26	43	,	,	PUNCT
emaj-329	26	44	insufficient	insufficient	ADJ
emaj-329	26	45	security	security	NOUN
emaj-329	26	46	measures	measure	NOUN
emaj-329	26	47	and	and	CCONJ
emaj-329	26	48	inadequate	inadequate	ADJ
emaj-329	26	49	power	power	NOUN
emaj-329	26	50	supply	supply	NOUN
emaj-329	26	51	(	(	PUNCT
emaj-329	26	52	osuigwe	osuigwe	PROPN
emaj-329	26	53	,	,	PUNCT
emaj-329	26	54	2022	2022	NUM
emaj-329	26	55	)	)	PUNCT
emaj-329	26	56	.	.	PUNCT
emaj-329	27	1	nigerian	nigerian	ADJ
emaj-329	27	2	financial	financial	ADJ
emaj-329	27	3	institutions	institution	NOUN
emaj-329	27	4	,	,	PUNCT
emaj-329	27	5	namely	namely	ADV
emaj-329	27	6	deposit	deposit	VERB
emaj-329	27	7	money	money	NOUN
emaj-329	27	8	banks	bank	NOUN
emaj-329	27	9	(	(	PUNCT
emaj-329	27	10	dmbs	dmb	NOUN
emaj-329	27	11	)	)	PUNCT
emaj-329	27	12	,	,	PUNCT
emaj-329	27	13	have	have	AUX
emaj-329	27	14	adopted	adopt	VERB
emaj-329	27	15	financial	financial	ADJ
emaj-329	27	16	technology	technology	NOUN
emaj-329	27	17	innovation	innovation	NOUN
emaj-329	27	18	platforms	platform	NOUN
emaj-329	27	19	to	to	PART
emaj-329	27	20	encourage	encourage	VERB
emaj-329	27	21	the	the	DET
emaj-329	27	22	expansion	expansion	NOUN
emaj-329	27	23	of	of	ADP
emaj-329	27	24	financial	financial	ADJ
emaj-329	27	25	services	service	NOUN
emaj-329	27	26	and	and	CCONJ
emaj-329	27	27	inclusion	inclusion	NOUN
emaj-329	27	28	in	in	ADP
emaj-329	27	29	the	the	DET
emaj-329	27	30	economy	economy	NOUN
emaj-329	27	31	(	(	PUNCT
emaj-329	27	32	adedokun	adedokun	PROPN
emaj-329	27	33	&	&	CCONJ
emaj-329	27	34	ağa	ağa	PROPN
emaj-329	27	35	,	,	PUNCT
emaj-329	27	36	2023	2023	NUM
emaj-329	27	37	)	)	PUNCT
emaj-329	27	38	.	.	PUNCT
emaj-329	28	1	however	however	ADV
emaj-329	28	2	,	,	PUNCT
emaj-329	28	3	a	a	DET
emaj-329	28	4	significant	significant	ADJ
emaj-329	28	5	proportion	proportion	NOUN
emaj-329	28	6	of	of	ADP
emaj-329	28	7	the	the	DET
emaj-329	28	8	nigerian	nigerian	ADJ
emaj-329	28	9	population	population	NOUN
emaj-329	28	10	does	do	AUX
emaj-329	28	11	not	not	PART
emaj-329	28	12	have	have	VERB
emaj-329	28	13	access	access	NOUN
emaj-329	28	14	to	to	ADP
emaj-329	28	15	banking	banking	NOUN
emaj-329	28	16	services	service	NOUN
emaj-329	28	17	,	,	PUNCT
emaj-329	28	18	resulting	result	VERB
emaj-329	28	19	in	in	ADP
emaj-329	28	20	a	a	DET
emaj-329	28	21	slow	slow	ADJ
emaj-329	28	22	adoption	adoption	NOUN
emaj-329	28	23	of	of	ADP
emaj-329	28	24	financial	financial	ADJ
emaj-329	28	25	innovation	innovation	NOUN
emaj-329	28	26	and	and	CCONJ
emaj-329	28	27	low	low	ADJ
emaj-329	28	28	levels	level	NOUN
emaj-329	28	29	of	of	ADP
emaj-329	28	30	financial	financial	ADJ
emaj-329	28	31	inclusion	inclusion	NOUN
emaj-329	28	32	(	(	PUNCT
emaj-329	28	33	imoagwu	imoagwu	PROPN
emaj-329	28	34	&	&	CCONJ
emaj-329	28	35	ezeanyeji	ezeanyeji	NOUN
emaj-329	28	36	,	,	PUNCT
emaj-329	28	37	2019	2019	NUM
emaj-329	28	38	)	)	PUNCT
emaj-329	28	39	.	.	PUNCT
emaj-329	29	1	a	a	DET
emaj-329	29	2	significant	significant	ADJ
emaj-329	29	3	proportion	proportion	NOUN
emaj-329	29	4	of	of	ADP
emaj-329	29	5	adults	adult	NOUN
emaj-329	29	6	remain	remain	AUX
emaj-329	29	7	financially	financially	ADV
emaj-329	29	8	excluded	exclude	VERB
emaj-329	29	9	.	.	PUNCT
emaj-329	30	1	the	the	DET
emaj-329	30	2	majority	majority	NOUN
emaj-329	30	3	of	of	ADP
emaj-329	30	4	those	those	PRON
emaj-329	30	5	who	who	PRON
emaj-329	30	6	are	be	AUX
emaj-329	30	7	financially	financially	ADV
emaj-329	30	8	excluded	exclude	VERB
emaj-329	30	9	are	be	AUX
emaj-329	30	10	both	both	ADV
emaj-329	30	11	educationally	educationally	ADV
emaj-329	30	12	disadvantaged	disadvantaged	ADJ
emaj-329	30	13	and	and	CCONJ
emaj-329	30	14	reside	reside	VERB
emaj-329	30	15	in	in	ADP
emaj-329	30	16	rural	rural	ADJ
emaj-329	30	17	areas	area	NOUN
emaj-329	30	18	(	(	PUNCT
emaj-329	30	19	kamalu	kamalu	NOUN
emaj-329	30	20	et	et	PROPN
emaj-329	30	21	.	.	PUNCT
emaj-329	31	1	al	al	PROPN
emaj-329	31	2	.	.	PROPN
emaj-329	31	3	,	,	PUNCT
emaj-329	31	4	2019	2019	NUM
emaj-329	31	5	)	)	PUNCT
emaj-329	31	6	.	.	PUNCT
emaj-329	32	1	the	the	DET
emaj-329	32	2	adoption	adoption	NOUN
emaj-329	32	3	of	of	ADP
emaj-329	32	4	financial	financial	ADJ
emaj-329	32	5	innovation	innovation	NOUN
emaj-329	32	6	products	product	NOUN
emaj-329	32	7	and	and	CCONJ
emaj-329	32	8	services	service	NOUN
emaj-329	32	9	is	be	AUX
emaj-329	32	10	often	often	ADV
emaj-329	32	11	perceived	perceive	VERB
emaj-329	32	12	as	as	ADP
emaj-329	32	13	ambiguous	ambiguous	ADJ
emaj-329	32	14	and	and	CCONJ
emaj-329	32	15	overwhelming	overwhelming	ADJ
emaj-329	32	16	due	due	ADP
emaj-329	32	17	to	to	ADP
emaj-329	32	18	a	a	DET
emaj-329	32	19	combination	combination	NOUN
emaj-329	32	20	of	of	ADP
emaj-329	32	21	factors	factor	NOUN
emaj-329	32	22	such	such	ADJ
emaj-329	32	23	as	as	ADP
emaj-329	32	24	ignorance	ignorance	NOUN
emaj-329	32	25	,	,	PUNCT
emaj-329	32	26	illiteracy	illiteracy	NOUN
emaj-329	32	27	,	,	PUNCT
emaj-329	32	28	lack	lack	NOUN
emaj-329	32	29	of	of	ADP
emaj-329	32	30	understanding	understanding	NOUN
emaj-329	32	31	of	of	ADP
emaj-329	32	32	the	the	DET
emaj-329	32	33	modern	modern	ADJ
emaj-329	32	34	banking	banking	NOUN
emaj-329	32	35	system	system	NOUN
emaj-329	32	36	,	,	PUNCT
emaj-329	32	37	and	and	CCONJ
emaj-329	32	38	fear	fear	NOUN
emaj-329	32	39	of	of	ADP
emaj-329	32	40	fraud	fraud	NOUN
emaj-329	32	41	and	and	CCONJ
emaj-329	32	42	theft	theft	NOUN
emaj-329	32	43	(	(	PUNCT
emaj-329	32	44	omankhanlen	omankhanlen	ADJ
emaj-329	32	45	,	,	PUNCT
emaj-329	32	46	samuel	samuel	PROPN
emaj-329	32	47	-	-	PUNCT
emaj-329	32	48	hope	hope	PROPN
emaj-329	32	49	&	&	CCONJ
emaj-329	32	50	ehikioya	ehikioya	ADJ
emaj-329	32	51	,	,	PUNCT
emaj-329	32	52	2022	2022	NUM
emaj-329	32	53	)	)	PUNCT
emaj-329	32	54	.	.	PUNCT
emaj-329	33	1	it	it	PRON
emaj-329	33	2	is	be	AUX
emaj-329	33	3	when	when	SCONJ
emaj-329	33	4	most	most	ADJ
emaj-329	33	5	of	of	ADP
emaj-329	33	6	the	the	DET
emaj-329	33	7	country	country	NOUN
emaj-329	33	8	’s	’s	PART
emaj-329	33	9	population	population	NOUN
emaj-329	33	10	is	be	AUX
emaj-329	33	11	financially	financially	ADV
emaj-329	33	12	literate	literate	ADJ
emaj-329	33	13	that	that	SCONJ
emaj-329	33	14	they	they	PRON
emaj-329	33	15	can	can	AUX
emaj-329	33	16	fully	fully	ADV
emaj-329	33	17	participate	participate	VERB
emaj-329	33	18	in	in	ADP
emaj-329	33	19	the	the	DET
emaj-329	33	20	formal	formal	ADJ
emaj-329	33	21	financial	financial	ADJ
emaj-329	33	22	system	system	NOUN
emaj-329	33	23	thereby	thereby	ADV
emaj-329	33	24	becoming	become	VERB
emaj-329	33	25	aware	aware	ADJ
emaj-329	33	26	of	of	ADP
emaj-329	33	27	and	and	CCONJ
emaj-329	33	28	taking	take	VERB
emaj-329	33	29	advantage	advantage	NOUN
emaj-329	33	30	of	of	ADP
emaj-329	33	31	financial	financial	ADJ
emaj-329	33	32	innovation	innovation	NOUN
emaj-329	33	33	opportunities	opportunity	NOUN
emaj-329	33	34	,	,	PUNCT
emaj-329	33	35	so	so	SCONJ
emaj-329	33	36	that	that	SCONJ
emaj-329	33	37	they	they	PRON
emaj-329	33	38	can	can	AUX
emaj-329	33	39	contribute	contribute	VERB
emaj-329	33	40	to	to	ADP
emaj-329	33	41	the	the	DET
emaj-329	33	42	economic	economic	ADJ
emaj-329	33	43	growth	growth	NOUN
emaj-329	33	44	and	and	CCONJ
emaj-329	33	45	development	development	NOUN
emaj-329	33	46	of	of	ADP
emaj-329	33	47	the	the	DET
emaj-329	33	48	country	country	NOUN
emaj-329	33	49	(	(	PUNCT
emaj-329	33	50	ahmed	ahmed	PROPN
emaj-329	33	51	et	et	PROPN
emaj-329	33	52	.	.	PUNCT
emaj-329	34	1	al	al	PROPN
emaj-329	34	2	.	.	PROPN
emaj-329	34	3	,	,	PUNCT
emaj-329	34	4	2021	2021	NUM
emaj-329	34	5	)	)	PUNCT
emaj-329	34	6	.	.	PUNCT
emaj-329	35	1	the	the	DET
emaj-329	35	2	study	study	NOUN
emaj-329	35	3	's	's	PART
emaj-329	35	4	objective	objective	NOUN
emaj-329	35	5	is	be	AUX
emaj-329	35	6	to	to	PART
emaj-329	35	7	establish	establish	VERB
emaj-329	35	8	the	the	DET
emaj-329	35	9	influence	influence	NOUN
emaj-329	35	10	of	of	ADP
emaj-329	35	11	financial	financial	ADJ
emaj-329	35	12	innovation	innovation	NOUN
emaj-329	35	13	on	on	ADP
emaj-329	35	14	economic	economic	ADJ
emaj-329	35	15	growth	growth	NOUN
emaj-329	35	16	and	and	CCONJ
emaj-329	35	17	sustainable	sustainable	ADJ
emaj-329	35	18	development	development	NOUN
emaj-329	35	19	in	in	ADP
emaj-329	35	20	nigeria	nigeria	PROPN
emaj-329	35	21	.	.	PUNCT
emaj-329	36	1	ii	ii	PROPN
emaj-329	36	2	.	.	PUNCT
emaj-329	37	1	literature	literature	PROPN
emaj-329	37	2	review	review	VERB
emaj-329	37	3	the	the	DET
emaj-329	37	4	financial	financial	ADJ
emaj-329	37	5	industry	industry	NOUN
emaj-329	37	6	is	be	AUX
emaj-329	37	7	becoming	become	VERB
emaj-329	37	8	more	more	ADV
emaj-329	37	9	and	and	CCONJ
emaj-329	37	10	more	more	ADV
emaj-329	37	11	relevant	relevant	ADJ
emaj-329	37	12	as	as	ADV
emaj-329	37	13	well	well	ADV
emaj-329	37	14	as	as	ADV
emaj-329	37	15	competitive	competitive	ADJ
emaj-329	37	16	on	on	ADP
emaj-329	37	17	a	a	DET
emaj-329	37	18	global	global	ADJ
emaj-329	37	19	scale	scale	NOUN
emaj-329	37	20	,	,	PUNCT
emaj-329	37	21	and	and	CCONJ
emaj-329	37	22	staying	stay	VERB
emaj-329	37	23	competitive	competitive	ADJ
emaj-329	37	24	requires	require	VERB
emaj-329	37	25	being	be	AUX
emaj-329	37	26	flexible	flexible	ADJ
emaj-329	37	27	,	,	PUNCT
emaj-329	37	28	adaptable	adaptable	ADJ
emaj-329	37	29	and	and	CCONJ
emaj-329	37	30	open	open	ADJ
emaj-329	37	31	to	to	ADP
emaj-329	37	32	new	new	ADJ
emaj-329	37	33	ideas	idea	NOUN
emaj-329	37	34	(	(	PUNCT
emaj-329	37	35	wang	wang	PROPN
emaj-329	37	36	&	&	CCONJ
emaj-329	37	37	tan	tan	PROPN
emaj-329	37	38	,	,	PUNCT
emaj-329	37	39	2021	2021	NUM
emaj-329	37	40	)	)	PUNCT
emaj-329	37	41	.	.	PUNCT
emaj-329	38	1	the	the	DET
emaj-329	38	2	rapid	rapid	ADJ
emaj-329	38	3	pace	pace	NOUN
emaj-329	38	4	at	at	ADP
emaj-329	38	5	which	which	DET
emaj-329	38	6	innovation	innovation	NOUN
emaj-329	38	7	and	and	CCONJ
emaj-329	38	8	dynamism	dynamism	NOUN
emaj-329	38	9	propel	propel	VERB
emaj-329	38	10	the	the	DET
emaj-329	38	11	financial	financial	ADJ
emaj-329	38	12	sector	sector	NOUN
emaj-329	38	13	has	have	AUX
emaj-329	38	14	led	lead	VERB
emaj-329	38	15	to	to	ADP
emaj-329	38	16	a	a	DET
emaj-329	38	17	surge	surge	NOUN
emaj-329	38	18	in	in	ADP
emaj-329	38	19	expenditure	expenditure	NOUN
emaj-329	38	20	on	on	ADP
emaj-329	38	21	information	information	NOUN
emaj-329	38	22	and	and	CCONJ
emaj-329	38	23	communication	communication	NOUN
emaj-329	38	24	technology	technology	NOUN
emaj-329	38	25	(	(	PUNCT
emaj-329	38	26	ict	ict	PROPN
emaj-329	38	27	)	)	PUNCT
emaj-329	38	28	by	by	ADP
emaj-329	38	29	financial	financial	ADJ
emaj-329	38	30	institutions	institution	NOUN
emaj-329	38	31	,	,	PUNCT
emaj-329	38	32	particularly	particularly	ADV
emaj-329	38	33	deposit	deposit	VERB
emaj-329	38	34	money	money	NOUN
emaj-329	38	35	banks	bank	NOUN
emaj-329	38	36	(	(	PUNCT
emaj-329	38	37	dmbs	dmbs	PROPN
emaj-329	38	38	)	)	PUNCT
emaj-329	38	39	(	(	PUNCT
emaj-329	38	40	ahassan	ahassan	PROPN
emaj-329	38	41	,	,	PUNCT
emaj-329	38	42	blokhina	blokhina	PROPN
emaj-329	38	43	,	,	PUNCT
emaj-329	38	44	&	&	CCONJ
emaj-329	38	45	kouadio	kouadio	NOUN
emaj-329	38	46	,	,	PUNCT
emaj-329	38	47	2021	2021	NUM
emaj-329	38	48	)	)	PUNCT
emaj-329	38	49	.	.	PUNCT
emaj-329	39	1	the	the	DET
emaj-329	39	2	financial	financial	ADJ
emaj-329	39	3	sector	sector	NOUN
emaj-329	39	4	's	's	PART
emaj-329	39	5	services	service	NOUN
emaj-329	39	6	have	have	AUX
emaj-329	39	7	been	be	AUX
emaj-329	39	8	worldwide	worldwide	ADV
emaj-329	39	9	revolutionized	revolutionize	VERB
emaj-329	39	10	and	and	CCONJ
emaj-329	39	11	reformed	reform	VERB
emaj-329	39	12	by	by	ADP
emaj-329	39	13	financial	financial	ADJ
emaj-329	39	14	innovation	innovation	NOUN
emaj-329	39	15	,	,	PUNCT
emaj-329	39	16	leading	lead	VERB
emaj-329	39	17	to	to	ADP
emaj-329	39	18	a	a	DET
emaj-329	39	19	growing	grow	VERB
emaj-329	39	20	recognition	recognition	NOUN
emaj-329	39	21	of	of	ADP
emaj-329	39	22	its	its	PRON
emaj-329	39	23	significance	significance	NOUN
emaj-329	39	24	on	on	ADP
emaj-329	39	25	economies	economy	NOUN
emaj-329	39	26	(	(	PUNCT
emaj-329	39	27	alawi	alawi	NOUN
emaj-329	39	28	et	et	NOUN
emaj-329	39	29	.	.	PUNCT
emaj-329	40	1	al	al	PROPN
emaj-329	40	2	.	.	PROPN
emaj-329	40	3	,	,	PUNCT
emaj-329	40	4	2022	2022	NUM
emaj-329	40	5	)	)	PUNCT
emaj-329	40	6	.	.	PUNCT
emaj-329	41	1	the	the	DET
emaj-329	41	2	implementation	implementation	NOUN
emaj-329	41	3	of	of	ADP
emaj-329	41	4	financial	financial	ADJ
emaj-329	41	5	innovation	innovation	NOUN
emaj-329	41	6	has	have	AUX
emaj-329	41	7	facilitated	facilitate	VERB
emaj-329	41	8	the	the	DET
emaj-329	41	9	transformation	transformation	NOUN
emaj-329	41	10	of	of	ADP
emaj-329	41	11	financial	financial	ADJ
emaj-329	41	12	service	service	NOUN
emaj-329	41	13	sectors	sector	NOUN
emaj-329	41	14	from	from	ADP
emaj-329	41	15	conventional	conventional	ADJ
emaj-329	41	16	methods	method	NOUN
emaj-329	41	17	of	of	ADP
emaj-329	41	18	financial	financial	ADJ
emaj-329	41	19	transactions	transaction	NOUN
emaj-329	41	20	to	to	ADP
emaj-329	41	21	contemporary	contemporary	ADJ
emaj-329	41	22	innovative	innovative	ADJ
emaj-329	41	23	approaches	approach	NOUN
emaj-329	41	24	,	,	PUNCT
emaj-329	41	25	thereby	thereby	ADV
emaj-329	41	26	enhancing	enhance	VERB
emaj-329	41	27	the	the	DET
emaj-329	41	28	efficiency	efficiency	NOUN
emaj-329	41	29	of	of	ADP
emaj-329	41	30	their	their	PRON
emaj-329	41	31	services	service	NOUN
emaj-329	41	32	.	.	PUNCT
emaj-329	42	1	this	this	PRON
emaj-329	42	2	has	have	AUX
emaj-329	42	3	resulted	result	VERB
emaj-329	42	4	in	in	ADP
emaj-329	42	5	the	the	DET
emaj-329	42	6	advancement	advancement	NOUN
emaj-329	42	7	of	of	ADP
emaj-329	42	8	payment	payment	NOUN
emaj-329	42	9	systems	system	NOUN
emaj-329	42	10	,	,	PUNCT
emaj-329	42	11	improved	improve	VERB
emaj-329	42	12	investment	investment	NOUN
emaj-329	42	13	prospects	prospect	NOUN
emaj-329	42	14	,	,	PUNCT
emaj-329	42	15	the	the	DET
emaj-329	42	16	availability	availability	NOUN
emaj-329	42	17	of	of	ADP
emaj-329	42	18	alternative	alternative	ADJ
emaj-329	42	19	assets	asset	NOUN
emaj-329	42	20	for	for	ADP
emaj-329	42	21	storing	store	VERB
emaj-329	42	22	wealth	wealth	NOUN
emaj-329	42	23	and	and	CCONJ
emaj-329	42	24	the	the	DET
emaj-329	42	25	facilitation	facilitation	NOUN
emaj-329	42	26	of	of	ADP
emaj-329	42	27	financial	financial	ADJ
emaj-329	42	28	transactions	transaction	NOUN
emaj-329	42	29	in	in	ADP
emaj-329	42	30	international	international	ADJ
emaj-329	42	31	trade	trade	NOUN
emaj-329	42	32	.	.	PUNCT
emaj-329	43	1	furthermore	furthermore	ADV
emaj-329	43	2	,	,	PUNCT
emaj-329	43	3	financial	financial	ADJ
emaj-329	43	4	innovation	innovation	NOUN
emaj-329	43	5	has	have	AUX
emaj-329	43	6	also	also	ADV
emaj-329	43	7	played	play	VERB
emaj-329	43	8	a	a	DET
emaj-329	43	9	pivotal	pivotal	ADJ
emaj-329	43	10	role	role	NOUN
emaj-329	43	11	in	in	ADP
emaj-329	43	12	promoting	promote	VERB
emaj-329	43	13	financial	financial	ADJ
emaj-329	43	14	inclusion	inclusion	NOUN
emaj-329	43	15	,	,	PUNCT
emaj-329	43	16	ultimately	ultimately	ADV
emaj-329	43	17	contributing	contribute	VERB
emaj-329	43	18	to	to	ADP
emaj-329	43	19	economic	economic	ADJ
emaj-329	43	20	growth	growth	NOUN
emaj-329	43	21	and	and	CCONJ
emaj-329	43	22	development	development	NOUN
emaj-329	43	23	(	(	PUNCT
emaj-329	43	24	qamruzzaman	qamruzzaman	PROPN
emaj-329	43	25	&	&	CCONJ
emaj-329	43	26	jianguo	jianguo	PROPN
emaj-329	43	27	,	,	PUNCT
emaj-329	43	28	2018	2018	NUM
emaj-329	43	29	)	)	PUNCT
emaj-329	43	30	.	.	PUNCT
emaj-329	44	1	nevertheless	nevertheless	ADV
emaj-329	44	2	,	,	PUNCT
emaj-329	44	3	the	the	DET
emaj-329	44	4	significance	significance	NOUN
emaj-329	44	5	of	of	ADP
emaj-329	44	6	financial	financial	ADJ
emaj-329	44	7	and	and	CCONJ
emaj-329	44	8	economic	economic	ADJ
emaj-329	44	9	progress	progress	NOUN
emaj-329	44	10	in	in	ADP
emaj-329	44	11	underdeveloped	underdeveloped	ADJ
emaj-329	44	12	nations	nation	NOUN
emaj-329	44	13	has	have	AUX
emaj-329	44	14	not	not	PART
emaj-329	44	15	been	be	AUX
emaj-329	44	16	thoroughly	thoroughly	ADV
emaj-329	44	17	pursued	pursue	VERB
emaj-329	44	18	,	,	PUNCT
emaj-329	44	19	despite	despite	SCONJ
emaj-329	44	20	its	its	PRON
emaj-329	44	21	essential	essential	ADJ
emaj-329	44	22	role	role	NOUN
emaj-329	44	23	in	in	ADP
emaj-329	44	24	financial	financial	ADJ
emaj-329	44	25	development	development	NOUN
emaj-329	44	26	(	(	PUNCT
emaj-329	44	27	ambala	ambala	PROPN
emaj-329	44	28	&	&	CCONJ
emaj-329	44	29	amewu	amewu	PROPN
emaj-329	44	30	,	,	PUNCT
emaj-329	44	31	2023	2023	NUM
emaj-329	44	32	)	)	PUNCT
emaj-329	44	33	.	.	PUNCT
emaj-329	45	1	developing	develop	VERB
emaj-329	45	2	nations	nation	NOUN
emaj-329	45	3	possess	possess	VERB
emaj-329	45	4	the	the	DET
emaj-329	45	5	highest	high	ADJ
emaj-329	45	6	percentage	percentage	NOUN
emaj-329	45	7	of	of	ADP
emaj-329	45	8	individuals	individual	NOUN
emaj-329	45	9	without	without	ADP
emaj-329	45	10	access	access	NOUN
emaj-329	45	11	to	to	ADP
emaj-329	45	12	banking	banking	NOUN
emaj-329	45	13	services	service	NOUN
emaj-329	45	14	and	and	CCONJ
emaj-329	45	15	experiencing	experience	VERB
emaj-329	45	16	financial	financial	ADJ
emaj-329	45	17	exclusion	exclusion	NOUN
emaj-329	45	18	.	.	PUNCT
emaj-329	46	1	this	this	DET
emaj-329	46	2	situation	situation	NOUN
emaj-329	46	3	presents	present	VERB
emaj-329	46	4	numerous	numerous	ADJ
emaj-329	46	5	possibilities	possibility	NOUN
emaj-329	46	6	for	for	ADP
emaj-329	46	7	enhancing	enhance	VERB
emaj-329	46	8	financial	financial	ADJ
emaj-329	46	9	inclusion	inclusion	NOUN
emaj-329	46	10	by	by	ADP
emaj-329	46	11	offering	offer	VERB
emaj-329	46	12	financial	financial	ADJ
emaj-329	46	13	services	service	NOUN
emaj-329	46	14	to	to	ADP
emaj-329	46	15	both	both	CCONJ
emaj-329	46	16	rural	rural	ADJ
emaj-329	46	17	and	and	CCONJ
emaj-329	46	18	urban	urban	ADJ
emaj-329	46	19	residents	resident	NOUN
emaj-329	46	20	.	.	PUNCT
emaj-329	47	1	financial	financial	ADJ
emaj-329	47	2	innovation	innovation	NOUN
emaj-329	47	3	is	be	AUX
emaj-329	47	4	widely	widely	ADV
emaj-329	47	5	recognized	recognize	VERB
emaj-329	47	6	as	as	ADP
emaj-329	47	7	the	the	DET
emaj-329	47	8	primary	primary	ADJ
emaj-329	47	9	catalyst	catalyst	NOUN
emaj-329	47	10	for	for	ADP
emaj-329	47	11	the	the	DET
emaj-329	47	12	expansion	expansion	NOUN
emaj-329	47	13	and	and	CCONJ
emaj-329	47	14	development	development	NOUN
emaj-329	47	15	of	of	ADP
emaj-329	47	16	the	the	DET
emaj-329	47	17	financial	financial	ADJ
emaj-329	47	18	sector	sector	NOUN
emaj-329	47	19	(	(	PUNCT
emaj-329	47	20	nguena	nguena	PROPN
emaj-329	47	21	,	,	PUNCT
emaj-329	47	22	2019	2019	NUM
emaj-329	47	23	)	)	PUNCT
emaj-329	47	24	.	.	PUNCT
emaj-329	48	1	the	the	DET
emaj-329	48	2	nigerian	nigerian	ADJ
emaj-329	48	3	economy	economy	NOUN
emaj-329	48	4	is	be	AUX
emaj-329	48	5	acclaimed	acclaim	VERB
emaj-329	48	6	in	in	ADP
emaj-329	48	7	the	the	DET
emaj-329	48	8	top	top	ADJ
emaj-329	48	9	ten	ten	NUM
emaj-329	48	10	of	of	ADP
emaj-329	48	11	the	the	DET
emaj-329	48	12	fastest	fast	ADV
emaj-329	48	13	-	-	PUNCT
emaj-329	48	14	growing	grow	VERB
emaj-329	48	15	economies	economy	NOUN
emaj-329	48	16	in	in	ADP
emaj-329	48	17	the	the	DET
emaj-329	48	18	world	world	NOUN
emaj-329	48	19	.	.	PUNCT
emaj-329	49	1	this	this	PRON
emaj-329	49	2	is	be	AUX
emaj-329	49	3	by	by	ADP
emaj-329	49	4	and	and	CCONJ
emaj-329	49	5	large	large	ADJ
emaj-329	49	6	have	have	VERB
emaj-329	49	7	to	to	PART
emaj-329	49	8	do	do	VERB
emaj-329	49	9	with	with	ADP
emaj-329	49	10	the	the	DET
emaj-329	49	11	burgeoning	burgeon	VERB
emaj-329	49	12	population	population	NOUN
emaj-329	49	13	and	and	CCONJ
emaj-329	49	14	immense	immense	ADJ
emaj-329	49	15	endowment	endowment	NOUN
emaj-329	49	16	of	of	ADP
emaj-329	49	17	nigeria	nigeria	PROPN
emaj-329	49	18	,	,	PUNCT
emaj-329	49	19	which	which	PRON
emaj-329	49	20	have	have	AUX
emaj-329	49	21	made	make	VERB
emaj-329	49	22	the	the	DET
emaj-329	49	23	country	country	NOUN
emaj-329	49	24	an	an	DET
emaj-329	49	25	attractive	attractive	ADJ
emaj-329	49	26	market	market	NOUN
emaj-329	49	27	for	for	ADP
emaj-329	49	28	investors	investor	NOUN
emaj-329	49	29	(	(	PUNCT
emaj-329	49	30	olorogun	olorogun	PROPN
emaj-329	49	31	,	,	PUNCT
emaj-329	49	32	salami	salami	PROPN
emaj-329	49	33	&	&	CCONJ
emaj-329	49	34	bekun	bekun	NOUN
emaj-329	49	35	,	,	PUNCT
emaj-329	49	36	2022	2022	NUM
emaj-329	49	37	)	)	PUNCT
emaj-329	49	38	.	.	PUNCT
emaj-329	50	1	the	the	DET
emaj-329	50	2	financial	financial	ADJ
emaj-329	50	3	system	system	NOUN
emaj-329	50	4	of	of	ADP
emaj-329	50	5	nigeria	nigeria	PROPN
emaj-329	50	6	is	be	AUX
emaj-329	50	7	composed	compose	VERB
emaj-329	50	8	of	of	ADP
emaj-329	50	9	the	the	DET
emaj-329	50	10	money	money	NOUN
emaj-329	50	11	market	market	NOUN
emaj-329	50	12	,	,	PUNCT
emaj-329	50	13	capital	capital	NOUN
emaj-329	50	14	market	market	NOUN
emaj-329	50	15	and	and	CCONJ
emaj-329	50	16	different	different	ADJ
emaj-329	50	17	institutions	institution	NOUN
emaj-329	50	18	as	as	ADV
emaj-329	50	19	well	well	ADV
emaj-329	50	20	as	as	ADP
emaj-329	50	21	channels	channel	NOUN
emaj-329	50	22	that	that	PRON
emaj-329	50	23	aid	aid	VERB
emaj-329	50	24	smooth	smooth	ADJ
emaj-329	50	25	movement	movement	NOUN
emaj-329	50	26	financial	financial	ADJ
emaj-329	50	27	transactions	transaction	NOUN
emaj-329	50	28	in	in	ADP
emaj-329	50	29	the	the	DET
emaj-329	50	30	economy	economy	NOUN
emaj-329	50	31	(	(	PUNCT
emaj-329	50	32	anthony	anthony	NOUN
emaj-329	50	33	-	-	PUNCT
emaj-329	50	34	orji	orji	PROPN
emaj-329	50	35	et	et	PROPN
emaj-329	50	36	.	.	PUNCT
emaj-329	51	1	al	al	PROPN
emaj-329	51	2	.	.	PROPN
emaj-329	51	3	,	,	PUNCT
emaj-329	51	4	2023	2023	NUM
emaj-329	51	5	)	)	PUNCT
emaj-329	51	6	.	.	PUNCT
emaj-329	52	1	financial	financial	ADJ
emaj-329	52	2	innovation	innovation	NOUN
emaj-329	52	3	has	have	AUX
emaj-329	52	4	been	be	AUX
emaj-329	52	5	witnessed	witness	VERB
emaj-329	52	6	in	in	ADP
emaj-329	52	7	nigeria	nigeria	PROPN
emaj-329	52	8	through	through	ADP
emaj-329	52	9	various	various	ADJ
emaj-329	52	10	sophisticated	sophisticated	ADJ
emaj-329	52	11	developments	development	NOUN
emaj-329	52	12	.	.	PUNCT
emaj-329	53	1	in	in	ADP
emaj-329	53	2	2012	2012	NUM
emaj-329	53	3	,	,	PUNCT
emaj-329	53	4	the	the	DET
emaj-329	53	5	cbn	cbn	PROPN
emaj-329	53	6	introduced	introduce	VERB
emaj-329	53	7	the	the	DET
emaj-329	53	8	'	'	PUNCT
emaj-329	53	9	cashless	cashless	NOUN
emaj-329	53	10	policy	policy	NOUN
emaj-329	53	11	'	'	PUNCT
emaj-329	53	12	in	in	ADP
emaj-329	53	13	order	order	NOUN
emaj-329	53	14	to	to	PART
emaj-329	53	15	disperse	disperse	VERB
emaj-329	53	16	the	the	DET
emaj-329	53	17	use	use	NOUN
emaj-329	53	18	of	of	ADP
emaj-329	53	19	notes	note	NOUN
emaj-329	53	20	and	and	CCONJ
emaj-329	53	21	coins	coin	NOUN
emaj-329	53	22	in	in	ADP
emaj-329	53	23	the	the	DET
emaj-329	53	24	economy	economy	NOUN
emaj-329	53	25	.	.	PUNCT
emaj-329	54	1	this	this	PRON
emaj-329	54	2	has	have	AUX
emaj-329	54	3	brought	bring	VERB
emaj-329	54	4	about	about	ADP
emaj-329	54	5	different	different	ADJ
emaj-329	54	6	options	option	NOUN
emaj-329	54	7	of	of	ADP
emaj-329	54	8	cashless	cashless	NOUN
emaj-329	54	9	payment	payment	NOUN
emaj-329	54	10	systems	system	NOUN
emaj-329	54	11	like	like	ADP
emaj-329	54	12	atm	atm	PROPN
emaj-329	54	13	,	,	PUNCT
emaj-329	54	14	pos	pos	NOUN
emaj-329	54	15	systems	system	NOUN
emaj-329	54	16	,	,	PUNCT
emaj-329	54	17	eps	eps	PROPN
emaj-329	54	18	,	,	PUNCT
emaj-329	54	19	internet	internet	NOUN
emaj-329	54	20	banking	banking	NOUN
emaj-329	54	21	,	,	PUNCT
emaj-329	54	22	mobile	mobile	ADJ
emaj-329	54	23	money	money	NOUN
emaj-329	54	24	,	,	PUNCT
emaj-329	54	25	biometrics	biometric	NOUN
emaj-329	54	26	,	,	PUNCT
emaj-329	54	27	robots	robot	NOUN
emaj-329	54	28	and	and	CCONJ
emaj-329	54	29	others	other	NOUN
emaj-329	54	30	.	.	PUNCT
emaj-329	55	1	the	the	DET
emaj-329	55	2	facilitating	facilitate	VERB
emaj-329	55	3	roles	role	NOUN
emaj-329	55	4	of	of	ADP
emaj-329	55	5	these	these	DET
emaj-329	55	6	developments	development	NOUN
emaj-329	55	7	were	be	AUX
emaj-329	55	8	fund	fund	NOUN
emaj-329	55	9	transfers	transfer	NOUN
emaj-329	55	10	and	and	CCONJ
emaj-329	55	11	interbank	interbank	NOUN
emaj-329	55	12	transaction	transaction	NOUN
emaj-329	55	13	observed	observe	VERB
emaj-329	55	14	faster	fast	ADV
emaj-329	55	15	and	and	CCONJ
emaj-329	55	16	more	more	ADV
emaj-329	55	17	conveniently	conveniently	ADV
emaj-329	55	18	(	(	PUNCT
emaj-329	55	19	okafor	okafor	PROPN
emaj-329	55	20	,	,	PUNCT
emaj-329	55	21	chijindu	chijindu	NOUN
emaj-329	55	22	&	&	CCONJ
emaj-329	55	23	anyalechi	anyalechi	ADJ
emaj-329	55	24	,	,	PUNCT
emaj-329	55	25	2017	2017	NUM
emaj-329	55	26	)	)	PUNCT
emaj-329	55	27	.	.	PUNCT
emaj-329	56	1	volume	volume	NOUN
emaj-329	56	2	14	14	NUM
emaj-329	57	1	no	no	DET
emaj-329	57	2	1	1	NUM
emaj-329	57	3	(	(	PUNCT
emaj-329	57	4	2024	2024	NUM
emaj-329	57	5	)	)	PUNCT
emaj-329	57	6	|	|	ADV
emaj-329	57	7	issn	issn	VERB
emaj-329	57	8	2158	2158	NUM
emaj-329	57	9	-	-	SYM
emaj-329	57	10	8708	8708	NUM
emaj-329	57	11	(	(	PUNCT
emaj-329	57	12	online	online	NOUN
emaj-329	57	13	)	)	PUNCT
emaj-329	57	14	|	|	ADV
emaj-329	57	15	doi	doi	X
emaj-329	57	16	10.5195	10.5195	NUM
emaj-329	57	17	/	/	SYM
emaj-329	57	18	emaj.2024.329	emaj.2024.329	PROPN
emaj-329	57	19	|	|	ADV
emaj-329	57	20	http://emaj.pitt.edu	http://emaj.pitt.edu	VERB
emaj-329	57	21	financial	financial	ADJ
emaj-329	57	22	innovation	innovation	NOUN
emaj-329	57	23	,	,	PUNCT
emaj-329	57	24	economic	economic	ADJ
emaj-329	57	25	growth	growth	NOUN
emaj-329	57	26	and	and	CCONJ
emaj-329	57	27	sustainable	sustainable	ADJ
emaj-329	57	28	development	development	NOUN
emaj-329	57	29	in	in	ADP
emaj-329	57	30	an	an	DET
emaj-329	57	31	emerging	emerge	VERB
emaj-329	57	32	market	market	NOUN
emaj-329	57	33	:	:	PUNCT
emaj-329	57	34	nigeria	nigeria	PROPN
emaj-329	57	35	page	page	NOUN
emaj-329	57	36	|14|	|14|	NOUN
emaj-329	57	37	emerging	emerge	VERB
emaj-329	57	38	markets	market	NOUN
emaj-329	57	39	journal	journal	VERB
emaj-329	57	40	the	the	DET
emaj-329	57	41	evolving	evolve	VERB
emaj-329	57	42	ecosystem	ecosystem	NOUN
emaj-329	57	43	of	of	ADP
emaj-329	57	44	payment	payment	NOUN
emaj-329	57	45	is	be	AUX
emaj-329	57	46	advancing	advance	VERB
emaj-329	57	47	with	with	ADP
emaj-329	57	48	massive	massive	ADJ
emaj-329	57	49	dynamics	dynamic	NOUN
emaj-329	57	50	in	in	ADP
emaj-329	57	51	the	the	DET
emaj-329	57	52	e	e	PROPN
emaj-329	57	53	-	-	NOUN
emaj-329	57	54	commerce	commerce	NOUN
emaj-329	57	55	industry	industry	NOUN
emaj-329	57	56	enabling	enable	VERB
emaj-329	57	57	customers	customer	NOUN
emaj-329	57	58	to	to	PART
emaj-329	57	59	make	make	VERB
emaj-329	57	60	payments	payment	NOUN
emaj-329	57	61	and	and	CCONJ
emaj-329	57	62	receive	receive	VERB
emaj-329	57	63	money	money	NOUN
emaj-329	57	64	transfers	transfer	NOUN
emaj-329	57	65	(	(	PUNCT
emaj-329	57	66	ajide	ajide	ADJ
emaj-329	57	67	,	,	PUNCT
emaj-329	57	68	2016	2016	NUM
emaj-329	57	69	)	)	PUNCT
emaj-329	57	70	.	.	PUNCT
emaj-329	58	1	banks	bank	NOUN
emaj-329	58	2	have	have	VERB
emaj-329	58	3	leveraged	leveraged	ADJ
emaj-329	58	4	technology	technology	NOUN
emaj-329	58	5	to	to	PART
emaj-329	58	6	reposition	reposition	VERB
emaj-329	58	7	banking	banking	NOUN
emaj-329	58	8	in	in	ADP
emaj-329	58	9	the	the	DET
emaj-329	58	10	psyche	psyche	NOUN
emaj-329	58	11	of	of	ADP
emaj-329	58	12	their	their	PRON
emaj-329	58	13	customers	customer	NOUN
emaj-329	58	14	.	.	PUNCT
emaj-329	59	1	mobile	mobile	ADJ
emaj-329	59	2	banking	banking	NOUN
emaj-329	59	3	has	have	AUX
emaj-329	59	4	become	become	VERB
emaj-329	59	5	particularly	particularly	ADV
emaj-329	59	6	popular	popular	ADJ
emaj-329	59	7	.	.	PUNCT
emaj-329	60	1	the	the	DET
emaj-329	60	2	existence	existence	NOUN
emaj-329	60	3	of	of	ADP
emaj-329	60	4	stiff	stiff	ADJ
emaj-329	60	5	competition	competition	NOUN
emaj-329	60	6	has	have	AUX
emaj-329	60	7	pushed	push	VERB
emaj-329	60	8	banks	bank	NOUN
emaj-329	60	9	to	to	PART
emaj-329	60	10	exploit	exploit	VERB
emaj-329	60	11	innovative	innovative	ADJ
emaj-329	60	12	agent	agent	NOUN
emaj-329	60	13	banking	banking	NOUN
emaj-329	60	14	.	.	PUNCT
emaj-329	61	1	financial	financial	ADJ
emaj-329	61	2	technology	technology	NOUN
emaj-329	61	3	(	(	PUNCT
emaj-329	61	4	fintech	fintech	NOUN
emaj-329	61	5	)	)	PUNCT
emaj-329	61	6	companies	company	NOUN
emaj-329	61	7	have	have	AUX
emaj-329	61	8	developed	develop	VERB
emaj-329	61	9	products	product	NOUN
emaj-329	61	10	and	and	CCONJ
emaj-329	61	11	services	service	NOUN
emaj-329	61	12	to	to	PART
emaj-329	61	13	meet	meet	VERB
emaj-329	61	14	the	the	DET
emaj-329	61	15	needs	need	NOUN
emaj-329	61	16	of	of	ADP
emaj-329	61	17	their	their	PRON
emaj-329	61	18	consumers	consumer	NOUN
emaj-329	61	19	and	and	CCONJ
emaj-329	61	20	contributing	contribute	VERB
emaj-329	61	21	to	to	ADP
emaj-329	61	22	the	the	DET
emaj-329	61	23	efficiency	efficiency	NOUN
emaj-329	61	24	and	and	CCONJ
emaj-329	61	25	effectiveness	effectiveness	NOUN
emaj-329	61	26	of	of	ADP
emaj-329	61	27	financial	financial	ADJ
emaj-329	61	28	services	service	NOUN
emaj-329	61	29	(	(	PUNCT
emaj-329	61	30	akinwunmi	akinwunmi	PROPN
emaj-329	61	31	,	,	PUNCT
emaj-329	61	32	muturi	muturi	NOUN
emaj-329	61	33	&	&	CCONJ
emaj-329	61	34	ngumi	ngumi	PROPN
emaj-329	61	35	,	,	PUNCT
emaj-329	61	36	2016	2016	NUM
emaj-329	61	37	)	)	PUNCT
emaj-329	61	38	.	.	PUNCT
emaj-329	62	1	in	in	ADP
emaj-329	62	2	2023	2023	NUM
emaj-329	62	3	,	,	PUNCT
emaj-329	62	4	the	the	DET
emaj-329	62	5	cbn	cbn	PROPN
emaj-329	62	6	launched	launch	VERB
emaj-329	62	7	‘	'	PUNCT
emaj-329	62	8	‘	'	PUNCT
emaj-329	62	9	sabi	sabi	X
emaj-329	62	10	moni	moni	ADJ
emaj-329	62	11	’’	’'	PUNCT
emaj-329	62	12	a	a	DET
emaj-329	62	13	fully	fully	ADV
emaj-329	62	14	digital	digital	ADJ
emaj-329	62	15	national	national	ADJ
emaj-329	62	16	e	e	NOUN
emaj-329	62	17	-	-	ADJ
emaj-329	62	18	learning	learn	VERB
emaj-329	62	19	platform	platform	NOUN
emaj-329	62	20	to	to	PART
emaj-329	62	21	provide	provide	VERB
emaj-329	62	22	a	a	DET
emaj-329	62	23	knowledge	knowledge	NOUN
emaj-329	62	24	base	base	NOUN
emaj-329	62	25	for	for	ADP
emaj-329	62	26	financial	financial	ADJ
emaj-329	62	27	literacy	literacy	NOUN
emaj-329	62	28	and	and	CCONJ
emaj-329	62	29	drive	drive	VERB
emaj-329	62	30	financial	financial	ADJ
emaj-329	62	31	education	education	NOUN
emaj-329	62	32	in	in	ADP
emaj-329	62	33	nigeria	nigeria	PROPN
emaj-329	62	34	(	(	PUNCT
emaj-329	62	35	adedokun	adedokun	PROPN
emaj-329	62	36	&	&	CCONJ
emaj-329	62	37	aga	aga	PROPN
emaj-329	62	38	2023	2023	NUM
emaj-329	62	39	)	)	PUNCT
emaj-329	62	40	.	.	PUNCT
emaj-329	63	1	furthermore	furthermore	ADV
emaj-329	63	2	,	,	PUNCT
emaj-329	63	3	there	there	PRON
emaj-329	63	4	has	have	AUX
emaj-329	63	5	been	be	AUX
emaj-329	63	6	a	a	DET
emaj-329	63	7	great	great	ADJ
emaj-329	63	8	deal	deal	NOUN
emaj-329	63	9	of	of	ADP
emaj-329	63	10	reforms	reform	NOUN
emaj-329	63	11	in	in	ADP
emaj-329	63	12	the	the	DET
emaj-329	63	13	nigerian	nigerian	ADJ
emaj-329	63	14	capital	capital	NOUN
emaj-329	63	15	market	market	NOUN
emaj-329	63	16	which	which	PRON
emaj-329	63	17	has	have	AUX
emaj-329	63	18	improved	improve	VERB
emaj-329	63	19	market	market	NOUN
emaj-329	63	20	liquidity	liquidity	NOUN
emaj-329	63	21	,	,	PUNCT
emaj-329	63	22	introduction	introduction	NOUN
emaj-329	63	23	of	of	ADP
emaj-329	63	24	alternative	alternative	ADJ
emaj-329	63	25	platforms	platform	NOUN
emaj-329	63	26	and	and	CCONJ
emaj-329	63	27	creation	creation	NOUN
emaj-329	63	28	of	of	ADP
emaj-329	63	29	enabling	enable	VERB
emaj-329	63	30	environment	environment	NOUN
emaj-329	63	31	supportive	supportive	ADJ
emaj-329	63	32	of	of	ADP
emaj-329	63	33	new	new	ADJ
emaj-329	63	34	products	product	NOUN
emaj-329	63	35	.	.	PUNCT
emaj-329	64	1	these	these	DET
emaj-329	64	2	developments	development	NOUN
emaj-329	64	3	in	in	ADP
emaj-329	64	4	financial	financial	ADJ
emaj-329	64	5	innovation	innovation	NOUN
emaj-329	64	6	are	be	AUX
emaj-329	64	7	expected	expect	VERB
emaj-329	64	8	to	to	PART
emaj-329	64	9	drive	drive	VERB
emaj-329	64	10	economic	economic	ADJ
emaj-329	64	11	growth	growth	NOUN
emaj-329	64	12	and	and	CCONJ
emaj-329	64	13	sustainable	sustainable	ADJ
emaj-329	64	14	development	development	NOUN
emaj-329	64	15	in	in	ADP
emaj-329	64	16	nigeria	nigeria	PROPN
emaj-329	64	17	(	(	PUNCT
emaj-329	64	18	adenii	adenii	PROPN
emaj-329	64	19	et	et	NOUN
emaj-329	64	20	.	.	PUNCT
emaj-329	65	1	al	al	PROPN
emaj-329	65	2	.	.	PROPN
emaj-329	65	3	,	,	PUNCT
emaj-329	65	4	2015).the	2015).the	PRON
emaj-329	65	5	question	question	NOUN
emaj-329	65	6	is	be	AUX
emaj-329	65	7	:	:	PUNCT
emaj-329	65	8	does	do	AUX
emaj-329	65	9	adoption	adoption	NOUN
emaj-329	65	10	of	of	ADP
emaj-329	65	11	financial	financial	ADJ
emaj-329	65	12	innovation	innovation	NOUN
emaj-329	65	13	has	have	VERB
emaj-329	65	14	significant	significant	ADJ
emaj-329	65	15	influence	influence	NOUN
emaj-329	65	16	on	on	ADP
emaj-329	65	17	economic	economic	ADJ
emaj-329	65	18	growth	growth	NOUN
emaj-329	65	19	and	and	CCONJ
emaj-329	65	20	sustainable	sustainable	ADJ
emaj-329	65	21	development	development	NOUN
emaj-329	65	22	?	?	PUNCT
emaj-329	66	1	iii	iii	X
emaj-329	66	2	.	.	PUNCT
emaj-329	67	1	theoretical	theoretical	ADJ
emaj-329	67	2	issues	issue	NOUN
emaj-329	67	3	financial	financial	ADJ
emaj-329	67	4	innovation	innovation	NOUN
emaj-329	67	5	and	and	CCONJ
emaj-329	67	6	economic	economic	ADJ
emaj-329	67	7	growth	growth	NOUN
emaj-329	67	8	can	can	AUX
emaj-329	67	9	be	be	AUX
emaj-329	67	10	linked	link	VERB
emaj-329	67	11	using	use	VERB
emaj-329	67	12	transaction	transaction	NOUN
emaj-329	67	13	cost	cost	NOUN
emaj-329	67	14	innovation	innovation	NOUN
emaj-329	67	15	and	and	CCONJ
emaj-329	67	16	endogenous	endogenous	ADJ
emaj-329	67	17	growth	growth	NOUN
emaj-329	67	18	theory	theory	NOUN
emaj-329	67	19	.	.	PUNCT
emaj-329	68	1	hicks	hicks	PROPN
emaj-329	68	2	and	and	CCONJ
emaj-329	68	3	niehans	niehans	PROPN
emaj-329	68	4	(	(	PUNCT
emaj-329	68	5	1983	1983	NUM
emaj-329	68	6	)	)	PUNCT
emaj-329	68	7	introduced	introduce	VERB
emaj-329	68	8	the	the	DET
emaj-329	68	9	concept	concept	NOUN
emaj-329	68	10	of	of	ADP
emaj-329	68	11	transaction	transaction	NOUN
emaj-329	68	12	cost	cost	NOUN
emaj-329	68	13	innovation	innovation	NOUN
emaj-329	68	14	.	.	PUNCT
emaj-329	69	1	they	they	PRON
emaj-329	69	2	argue	argue	VERB
emaj-329	69	3	that	that	SCONJ
emaj-329	69	4	the	the	DET
emaj-329	69	5	primary	primary	ADJ
emaj-329	69	6	driver	driver	NOUN
emaj-329	69	7	of	of	ADP
emaj-329	69	8	financial	financial	ADJ
emaj-329	69	9	innovation	innovation	NOUN
emaj-329	69	10	is	be	AUX
emaj-329	69	11	the	the	DET
emaj-329	69	12	decrease	decrease	NOUN
emaj-329	69	13	in	in	ADP
emaj-329	69	14	transaction	transaction	NOUN
emaj-329	69	15	costs	cost	NOUN
emaj-329	69	16	.	.	PUNCT
emaj-329	70	1	they	they	PRON
emaj-329	70	2	further	far	ADV
emaj-329	70	3	elaborate	elaborate	VERB
emaj-329	70	4	that	that	SCONJ
emaj-329	70	5	financial	financial	ADJ
emaj-329	70	6	innovation	innovation	NOUN
emaj-329	70	7	is	be	AUX
emaj-329	70	8	a	a	DET
emaj-329	70	9	result	result	NOUN
emaj-329	70	10	of	of	ADP
emaj-329	70	11	technological	technological	ADJ
emaj-329	70	12	advancements	advancement	NOUN
emaj-329	70	13	that	that	PRON
emaj-329	70	14	have	have	AUX
emaj-329	70	15	led	lead	VERB
emaj-329	70	16	to	to	ADP
emaj-329	70	17	a	a	DET
emaj-329	70	18	reduction	reduction	NOUN
emaj-329	70	19	in	in	ADP
emaj-329	70	20	transaction	transaction	NOUN
emaj-329	70	21	costs	cost	NOUN
emaj-329	70	22	.	.	PUNCT
emaj-329	71	1	reducing	reduce	VERB
emaj-329	71	2	transaction	transaction	NOUN
emaj-329	71	3	costs	cost	NOUN
emaj-329	71	4	can	can	AUX
emaj-329	71	5	stimulate	stimulate	VERB
emaj-329	71	6	financial	financial	ADJ
emaj-329	71	7	innovation	innovation	NOUN
emaj-329	71	8	and	and	CCONJ
emaj-329	71	9	progress	progress	NOUN
emaj-329	71	10	in	in	ADP
emaj-329	71	11	financial	financial	ADJ
emaj-329	71	12	services	service	NOUN
emaj-329	71	13	(	(	PUNCT
emaj-329	71	14	čižo	čižo	NOUN
emaj-329	71	15	,	,	PUNCT
emaj-329	71	16	lavrinenko	lavrinenko	PROPN
emaj-329	71	17	&	&	CCONJ
emaj-329	71	18	ignatjeva	ignatjeva	PROPN
emaj-329	71	19	,	,	PUNCT
emaj-329	71	20	2020	2020	NUM
emaj-329	71	21	)	)	PUNCT
emaj-329	71	22	.	.	PUNCT
emaj-329	72	1	the	the	DET
emaj-329	72	2	endogenous	endogenous	ADJ
emaj-329	72	3	theory	theory	NOUN
emaj-329	72	4	,	,	PUNCT
emaj-329	72	5	articulated	articulate	VERB
emaj-329	72	6	by	by	ADP
emaj-329	72	7	romer	romer	NOUN
emaj-329	72	8	(	(	PUNCT
emaj-329	72	9	1986	1986	NUM
emaj-329	72	10	)	)	PUNCT
emaj-329	72	11	and	and	CCONJ
emaj-329	72	12	lucas	lucas	PROPN
emaj-329	72	13	(	(	PUNCT
emaj-329	72	14	1988	1988	NUM
emaj-329	72	15	)	)	PUNCT
emaj-329	72	16	,	,	PUNCT
emaj-329	72	17	posits	posit	VERB
emaj-329	72	18	an	an	DET
emaj-329	72	19	alternative	alternative	ADJ
emaj-329	72	20	perspective	perspective	NOUN
emaj-329	72	21	.	.	PUNCT
emaj-329	73	1	they	they	PRON
emaj-329	73	2	assert	assert	VERB
emaj-329	73	3	that	that	SCONJ
emaj-329	73	4	innovation	innovation	NOUN
emaj-329	73	5	is	be	AUX
emaj-329	73	6	the	the	DET
emaj-329	73	7	primary	primary	ADJ
emaj-329	73	8	catalyst	catalyst	NOUN
emaj-329	73	9	for	for	ADP
emaj-329	73	10	economic	economic	ADJ
emaj-329	73	11	progress	progress	NOUN
emaj-329	73	12	.	.	PUNCT
emaj-329	74	1	romer	romer	NOUN
emaj-329	74	2	argued	argue	VERB
emaj-329	74	3	that	that	SCONJ
emaj-329	74	4	the	the	DET
emaj-329	74	5	overall	overall	ADJ
emaj-329	74	6	productivity	productivity	NOUN
emaj-329	74	7	is	be	AUX
emaj-329	74	8	positively	positively	ADV
emaj-329	74	9	influenced	influence	VERB
emaj-329	74	10	by	by	ADP
emaj-329	74	11	the	the	DET
emaj-329	74	12	level	level	NOUN
emaj-329	74	13	of	of	ADP
emaj-329	74	14	product	product	NOUN
emaj-329	74	15	diversity	diversity	NOUN
emaj-329	74	16	.	.	PUNCT
emaj-329	75	1	he	he	PRON
emaj-329	75	2	emphasized	emphasize	VERB
emaj-329	75	3	that	that	SCONJ
emaj-329	75	4	innovation	innovation	NOUN
emaj-329	75	5	leads	lead	VERB
emaj-329	75	6	to	to	ADP
emaj-329	75	7	increased	increase	VERB
emaj-329	75	8	productivity	productivity	NOUN
emaj-329	75	9	by	by	ADP
emaj-329	75	10	generating	generate	VERB
emaj-329	75	11	novel	novel	ADJ
emaj-329	75	12	product	product	NOUN
emaj-329	75	13	variations	variation	NOUN
emaj-329	75	14	.	.	PUNCT
emaj-329	76	1	the	the	DET
emaj-329	76	2	idea	idea	NOUN
emaj-329	76	3	of	of	ADP
emaj-329	76	4	innovation	innovation	NOUN
emaj-329	76	5	-	-	PUNCT
emaj-329	76	6	based	base	VERB
emaj-329	76	7	growth	growth	NOUN
emaj-329	76	8	suggests	suggest	VERB
emaj-329	76	9	that	that	SCONJ
emaj-329	76	10	in	in	ADP
emaj-329	76	11	order	order	NOUN
emaj-329	76	12	to	to	PART
emaj-329	76	13	achieve	achieve	VERB
emaj-329	76	14	rapid	rapid	ADJ
emaj-329	76	15	growth	growth	NOUN
emaj-329	76	16	,	,	PUNCT
emaj-329	76	17	a	a	DET
emaj-329	76	18	significant	significant	ADJ
emaj-329	76	19	portion	portion	NOUN
emaj-329	76	20	of	of	ADP
emaj-329	76	21	resources	resource	NOUN
emaj-329	76	22	should	should	AUX
emaj-329	76	23	be	be	AUX
emaj-329	76	24	allocated	allocate	VERB
emaj-329	76	25	to	to	ADP
emaj-329	76	26	research	research	NOUN
emaj-329	76	27	and	and	CCONJ
emaj-329	76	28	development	development	NOUN
emaj-329	76	29	.	.	PUNCT
emaj-329	77	1	additionally	additionally	ADV
emaj-329	77	2	,	,	PUNCT
emaj-329	77	3	policies	policy	NOUN
emaj-329	77	4	that	that	PRON
emaj-329	77	5	encourage	encourage	VERB
emaj-329	77	6	openness	openness	NOUN
emaj-329	77	7	,	,	PUNCT
emaj-329	77	8	competition	competition	NOUN
emaj-329	77	9	,	,	PUNCT
emaj-329	77	10	change	change	NOUN
emaj-329	77	11	and	and	CCONJ
emaj-329	77	12	innovation	innovation	NOUN
emaj-329	77	13	would	would	AUX
emaj-329	77	14	facilitate	facilitate	VERB
emaj-329	77	15	growth	growth	NOUN
emaj-329	77	16	(	(	PUNCT
emaj-329	77	17	pece	pece	PROPN
emaj-329	77	18	simona	simona	PROPN
emaj-329	77	19	&	&	CCONJ
emaj-329	77	20	saliseanu	saliseanu	PROPN
emaj-329	77	21	,	,	PUNCT
emaj-329	77	22	2015	2015	NUM
emaj-329	77	23	)	)	PUNCT
emaj-329	77	24	.	.	PUNCT
emaj-329	78	1	iv	iv	X
emaj-329	78	2	.	.	PUNCT
emaj-329	79	1	empirical	empirical	ADJ
emaj-329	79	2	issues	issue	NOUN
emaj-329	79	3	theoretical	theoretical	ADJ
emaj-329	79	4	research	research	NOUN
emaj-329	79	5	on	on	ADP
emaj-329	79	6	financial	financial	ADJ
emaj-329	79	7	innovation	innovation	NOUN
emaj-329	79	8	’s	’s	PART
emaj-329	79	9	effects	effect	NOUN
emaj-329	79	10	on	on	ADP
emaj-329	79	11	economic	economic	ADJ
emaj-329	79	12	growth	growth	NOUN
emaj-329	79	13	,	,	PUNCT
emaj-329	79	14	in	in	ADP
emaj-329	79	15	turn	turn	NOUN
emaj-329	79	16	,	,	PUNCT
emaj-329	79	17	created	create	VERB
emaj-329	79	18	empirical	empirical	ADJ
emaj-329	79	19	studies	study	NOUN
emaj-329	79	20	that	that	PRON
emaj-329	79	21	are	be	AUX
emaj-329	79	22	aimed	aim	VERB
emaj-329	79	23	at	at	ADP
emaj-329	79	24	drawing	draw	VERB
emaj-329	79	25	up	up	ADP
emaj-329	79	26	economic	economic	ADJ
emaj-329	79	27	relationships	relationship	NOUN
emaj-329	79	28	and	and	CCONJ
emaj-329	79	29	unmasking	unmask	VERB
emaj-329	79	30	the	the	DET
emaj-329	79	31	hidden	hidden	ADJ
emaj-329	79	32	factors	factor	NOUN
emaj-329	79	33	that	that	PRON
emaj-329	79	34	determine	determine	VERB
emaj-329	79	35	the	the	DET
emaj-329	79	36	financial	financial	ADJ
emaj-329	79	37	innovation	innovation	NOUN
emaj-329	79	38	and	and	CCONJ
emaj-329	79	39	economic	economic	ADJ
emaj-329	79	40	growth	growth	NOUN
emaj-329	79	41	relationship	relationship	NOUN
emaj-329	79	42	.	.	PUNCT
emaj-329	80	1	some	some	DET
emaj-329	80	2	researchers	researcher	NOUN
emaj-329	80	3	did	do	VERB
emaj-329	80	4	the	the	DET
emaj-329	80	5	analysis	analysis	NOUN
emaj-329	80	6	of	of	ADP
emaj-329	80	7	the	the	DET
emaj-329	80	8	contribution	contribution	NOUN
emaj-329	80	9	of	of	ADP
emaj-329	80	10	the	the	DET
emaj-329	80	11	particular	particular	ADJ
emaj-329	80	12	groups	group	NOUN
emaj-329	80	13	of	of	ADP
emaj-329	80	14	financial	financial	ADJ
emaj-329	80	15	innovations	innovation	NOUN
emaj-329	80	16	to	to	ADP
emaj-329	80	17	gdp	gdp	NOUN
emaj-329	80	18	.	.	PUNCT
emaj-329	81	1	adesete	adesete	PROPN
emaj-329	81	2	and	and	CCONJ
emaj-329	81	3	risikat	risikat	PROPN
emaj-329	81	4	(	(	PUNCT
emaj-329	81	5	2021	2021	NUM
emaj-329	81	6	)	)	PUNCT
emaj-329	81	7	carried	carry	VERB
emaj-329	81	8	out	out	ADP
emaj-329	81	9	a	a	DET
emaj-329	81	10	study	study	NOUN
emaj-329	81	11	to	to	PART
emaj-329	81	12	examine	examine	VERB
emaj-329	81	13	how	how	SCONJ
emaj-329	81	14	the	the	DET
emaj-329	81	15	financial	financial	ADJ
emaj-329	81	16	innovations	innovation	NOUN
emaj-329	81	17	affected	affect	VERB
emaj-329	81	18	the	the	DET
emaj-329	81	19	nigerian	nigerian	ADJ
emaj-329	81	20	economy	economy	NOUN
emaj-329	81	21	.	.	PUNCT
emaj-329	82	1	the	the	DET
emaj-329	82	2	research	research	NOUN
emaj-329	82	3	employs	employ	VERB
emaj-329	82	4	the	the	DET
emaj-329	82	5	autoregressive	autoregressive	ADJ
emaj-329	82	6	distributed	distribute	VERB
emaj-329	82	7	lag	lag	NOUN
emaj-329	82	8	model	model	NOUN
emaj-329	82	9	(	(	PUNCT
emaj-329	82	10	ardl	ardl	NOUN
emaj-329	82	11	)	)	PUNCT
emaj-329	82	12	and	and	CCONJ
emaj-329	82	13	the	the	DET
emaj-329	82	14	polynomial	polynomial	ADJ
emaj-329	82	15	distributed	distribute	VERB
emaj-329	82	16	lag	lag	NOUN
emaj-329	82	17	mixed	mixed	ADJ
emaj-329	82	18	data	datum	NOUN
emaj-329	82	19	(	(	PUNCT
emaj-329	82	20	dmd	dmd	NOUN
emaj-329	82	21	)	)	PUNCT
emaj-329	82	22	sampling	sample	VERB
emaj-329	82	23	model	model	NOUN
emaj-329	82	24	.	.	PUNCT
emaj-329	83	1	ardl	ardl	NOUN
emaj-329	83	2	report	report	PROPN
emaj-329	83	3	drew	draw	VERB
emaj-329	83	4	that	that	SCONJ
emaj-329	83	5	the	the	DET
emaj-329	83	6	mobile	mobile	ADJ
emaj-329	83	7	payment	payment	NOUN
emaj-329	83	8	platform	platform	NOUN
emaj-329	83	9	had	have	VERB
emaj-329	83	10	a	a	DET
emaj-329	83	11	quantitative	quantitative	ADJ
emaj-329	83	12	significant	significant	ADJ
emaj-329	83	13	positive	positive	ADJ
emaj-329	83	14	effect	effect	NOUN
emaj-329	83	15	on	on	ADP
emaj-329	83	16	the	the	DET
emaj-329	83	17	nigerian	nigerian	ADJ
emaj-329	83	18	economy	economy	NOUN
emaj-329	83	19	while	while	SCONJ
emaj-329	83	20	the	the	DET
emaj-329	83	21	site	site	NOUN
emaj-329	83	22	internet	internet	NOUN
emaj-329	83	23	transactions	transaction	NOUN
emaj-329	83	24	and	and	CCONJ
emaj-329	83	25	pos	pos	NOUN
emaj-329	83	26	transactions	transaction	NOUN
emaj-329	83	27	had	have	VERB
emaj-329	83	28	an	an	DET
emaj-329	83	29	insignificant	insignificant	ADJ
emaj-329	83	30	negative	negative	ADJ
emaj-329	83	31	influence	influence	NOUN
emaj-329	83	32	.	.	PUNCT
emaj-329	84	1	effiom	effiom	PROPN
emaj-329	84	2	and	and	CCONJ
emaj-329	84	3	edet	edet	ADJ
emaj-329	84	4	(	(	PUNCT
emaj-329	84	5	2022	2022	NUM
emaj-329	84	6	)	)	PUNCT
emaj-329	84	7	studied	study	VERB
emaj-329	84	8	the	the	DET
emaj-329	84	9	role	role	NOUN
emaj-329	84	10	that	that	PRON
emaj-329	84	11	financial	financial	ADJ
emaj-329	84	12	innovation	innovation	NOUN
emaj-329	84	13	had	have	VERB
emaj-329	84	14	on	on	ADP
emaj-329	84	15	the	the	DET
emaj-329	84	16	outcome	outcome	NOUN
emaj-329	84	17	of	of	ADP
emaj-329	84	18	small	small	ADJ
emaj-329	84	19	and	and	CCONJ
emaj-329	84	20	medium	medium	ADJ
emaj-329	84	21	scale	scale	NOUN
emaj-329	84	22	enterprises	enterprise	NOUN
emaj-329	84	23	in	in	ADP
emaj-329	84	24	nigeria	nigeria	PROPN
emaj-329	84	25	.	.	PUNCT
emaj-329	85	1	the	the	DET
emaj-329	85	2	study	study	NOUN
emaj-329	85	3	employs	employ	VERB
emaj-329	85	4	autoregressive	autoregressive	ADJ
emaj-329	85	5	distributed	distribute	VERB
emaj-329	85	6	lag	lag	NOUN
emaj-329	85	7	technique	technique	NOUN
emaj-329	85	8	.	.	PUNCT
emaj-329	86	1	the	the	DET
emaj-329	86	2	result	result	NOUN
emaj-329	86	3	shows	show	VERB
emaj-329	86	4	that	that	SCONJ
emaj-329	86	5	the	the	DET
emaj-329	86	6	usage	usage	NOUN
emaj-329	86	7	of	of	ADP
emaj-329	86	8	the	the	DET
emaj-329	86	9	new	new	ADJ
emaj-329	86	10	financial	financial	ADJ
emaj-329	86	11	methods	method	NOUN
emaj-329	86	12	is	be	AUX
emaj-329	86	13	a	a	DET
emaj-329	86	14	positive	positive	ADJ
emaj-329	86	15	and	and	CCONJ
emaj-329	86	16	important	important	ADJ
emaj-329	86	17	factor	factor	NOUN
emaj-329	86	18	in	in	ADP
emaj-329	86	19	the	the	DET
emaj-329	86	20	regard	regard	NOUN
emaj-329	86	21	of	of	ADP
emaj-329	86	22	improving	improve	VERB
emaj-329	86	23	the	the	DET
emaj-329	86	24	operating	operating	NOUN
emaj-329	86	25	efficiency	efficiency	NOUN
emaj-329	86	26	of	of	ADP
emaj-329	86	27	small	small	ADJ
emaj-329	86	28	and	and	CCONJ
emaj-329	86	29	medium	medium	ADJ
emaj-329	86	30	enterprises	enterprise	NOUN
emaj-329	86	31	(	(	PUNCT
emaj-329	86	32	smes	sme	NOUN
emaj-329	86	33	)	)	PUNCT
emaj-329	86	34	in	in	ADP
emaj-329	86	35	nigeria	nigeria	PROPN
emaj-329	86	36	.	.	PUNCT
emaj-329	87	1	chukwunulu	chukwunulu	PROPN
emaj-329	87	2	(	(	PUNCT
emaj-329	87	3	2019	2019	NUM
emaj-329	87	4	)	)	PUNCT
emaj-329	87	5	undertook	undertake	VERB
emaj-329	87	6	a	a	DET
emaj-329	87	7	study	study	NOUN
emaj-329	87	8	to	to	PART
emaj-329	87	9	assess	assess	VERB
emaj-329	87	10	the	the	DET
emaj-329	87	11	effects	effect	NOUN
emaj-329	87	12	of	of	ADP
emaj-329	87	13	finance	finance	NOUN
emaj-329	87	14	innovation	innovation	NOUN
emaj-329	87	15	on	on	ADP
emaj-329	87	16	the	the	DET
emaj-329	87	17	nigerian	nigerian	ADJ
emaj-329	87	18	economy	economy	NOUN
emaj-329	87	19	.	.	PUNCT
emaj-329	88	1	this	this	PRON
emaj-329	88	2	was	be	AUX
emaj-329	88	3	done	do	VERB
emaj-329	88	4	by	by	ADP
emaj-329	88	5	applying	apply	VERB
emaj-329	88	6	the	the	DET
emaj-329	88	7	generalized	generalized	ADJ
emaj-329	88	8	methods	method	NOUN
emaj-329	88	9	of	of	ADP
emaj-329	88	10	moments	moment	NOUN
emaj-329	88	11	(	(	PUNCT
emaj-329	88	12	gmm	gmm	NOUN
emaj-329	88	13	)	)	PUNCT
emaj-329	88	14	.	.	PUNCT
emaj-329	89	1	the	the	DET
emaj-329	89	2	research	research	NOUN
emaj-329	89	3	demonstrated	demonstrate	VERB
emaj-329	89	4	that	that	SCONJ
emaj-329	89	5	financial	financial	ADJ
emaj-329	89	6	innovation	innovation	NOUN
emaj-329	89	7	plays	play	VERB
emaj-329	89	8	an	an	DET
emaj-329	89	9	important	important	ADJ
emaj-329	89	10	role	role	NOUN
emaj-329	89	11	in	in	ADP
emaj-329	89	12	the	the	DET
emaj-329	89	13	economic	economic	ADJ
emaj-329	89	14	growth	growth	NOUN
emaj-329	89	15	through	through	ADP
emaj-329	89	16	a	a	DET
emaj-329	89	17	strong	strong	ADJ
emaj-329	89	18	positive	positive	ADJ
emaj-329	89	19	influence	influence	NOUN
emaj-329	89	20	.	.	PUNCT
emaj-329	90	1	ubi	ubi	PROPN
emaj-329	90	2	and	and	CCONJ
emaj-329	90	3	mba	mba	PROPN
emaj-329	90	4	(	(	PUNCT
emaj-329	90	5	2019	2019	NUM
emaj-329	90	6	)	)	PUNCT
emaj-329	90	7	explored	explore	VERB
emaj-329	90	8	the	the	DET
emaj-329	90	9	role	role	NOUN
emaj-329	90	10	that	that	PRON
emaj-329	90	11	financial	financial	ADJ
emaj-329	90	12	innovation	innovation	NOUN
emaj-329	90	13	can	can	AUX
emaj-329	90	14	play	play	VERB
emaj-329	90	15	in	in	ADP
emaj-329	90	16	the	the	DET
emaj-329	90	17	development	development	NOUN
emaj-329	90	18	of	of	ADP
emaj-329	90	19	micro	micro	ADJ
emaj-329	90	20	and	and	CCONJ
emaj-329	90	21	small	small	ADJ
emaj-329	90	22	enterprises	enterprise	NOUN
emaj-329	90	23	(	(	PUNCT
emaj-329	90	24	mses	ms	NOUN
emaj-329	90	25	)	)	PUNCT
emaj-329	90	26	in	in	ADP
emaj-329	90	27	nigeria	nigeria	PROPN
emaj-329	90	28	.	.	PUNCT
emaj-329	91	1	in	in	ADP
emaj-329	91	2	the	the	DET
emaj-329	91	3	study	study	NOUN
emaj-329	91	4	,	,	PUNCT
emaj-329	91	5	ardl	ardl	NOUN
emaj-329	91	6	was	be	AUX
emaj-329	91	7	used	use	VERB
emaj-329	91	8	combined	combine	VERB
emaj-329	91	9	with	with	ADP
emaj-329	91	10	the	the	DET
emaj-329	91	11	regressive	regressive	ADJ
emaj-329	91	12	distributed	distribute	VERB
emaj-329	91	13	bounds	bound	NOUN
emaj-329	91	14	testing	testing	NOUN
emaj-329	91	15	and	and	CCONJ
emaj-329	91	16	the	the	DET
emaj-329	91	17	granger	granger	PROPN
emaj-329	91	18	causality	causality	PROPN
emaj-329	91	19	test	test	NOUN
emaj-329	91	20	.	.	PUNCT
emaj-329	92	1	the	the	DET
emaj-329	92	2	findings	finding	NOUN
emaj-329	92	3	revealed	reveal	VERB
emaj-329	92	4	that	that	SCONJ
emaj-329	92	5	financial	financial	ADJ
emaj-329	92	6	innovation	innovation	NOUN
emaj-329	92	7	was	be	AUX
emaj-329	92	8	one	one	NUM
emaj-329	92	9	of	of	ADP
emaj-329	92	10	the	the	DET
emaj-329	92	11	main	main	ADJ
emaj-329	92	12	factors	factor	NOUN
emaj-329	92	13	that	that	PRON
emaj-329	92	14	encouraged	encourage	VERB
emaj-329	92	15	the	the	DET
emaj-329	92	16	output	output	NOUN
emaj-329	92	17	growth	growth	NOUN
emaj-329	92	18	of	of	ADP
emaj-329	92	19	small	small	ADJ
emaj-329	92	20	and	and	CCONJ
emaj-329	92	21	medium	medium	ADJ
emaj-329	92	22	-	-	PUNCT
emaj-329	92	23	sized	sized	ADJ
emaj-329	92	24	enterprises	enterprise	NOUN
emaj-329	92	25	(	(	PUNCT
emaj-329	92	26	smes	sme	NOUN
emaj-329	92	27	)	)	PUNCT
emaj-329	92	28	in	in	ADP
emaj-329	92	29	nigeria	nigeria	PROPN
emaj-329	92	30	.	.	PUNCT
emaj-329	93	1	this	this	DET
emaj-329	93	2	study	study	NOUN
emaj-329	93	3	further	far	ADV
emaj-329	93	4	suggested	suggest	VERB
emaj-329	93	5	that	that	SCONJ
emaj-329	93	6	depository	depository	NOUN
emaj-329	93	7	money	money	NOUN
emaj-329	93	8	banks	bank	NOUN
emaj-329	93	9	are	be	AUX
emaj-329	93	10	supporting	support	VERB
emaj-329	93	11	the	the	DET
emaj-329	93	12	existing	exist	VERB
emaj-329	93	13	level	level	NOUN
emaj-329	93	14	of	of	ADP
emaj-329	93	15	financial	financial	ADJ
emaj-329	93	16	service	service	NOUN
emaj-329	93	17	provision	provision	NOUN
emaj-329	93	18	by	by	ADP
emaj-329	93	19	creating	create	VERB
emaj-329	93	20	more	more	ADJ
emaj-329	93	21	financial	financial	ADJ
emaj-329	93	22	channels	channel	NOUN
emaj-329	93	23	in	in	ADP
emaj-329	93	24	the	the	DET
emaj-329	93	25	rural	rural	ADJ
emaj-329	93	26	areas	area	NOUN
emaj-329	93	27	and	and	CCONJ
emaj-329	93	28	urban	urban	ADJ
emaj-329	93	29	locations	location	NOUN
emaj-329	93	30	.	.	PUNCT
emaj-329	94	1	the	the	DET
emaj-329	94	2	paper	paper	NOUN
emaj-329	94	3	by	by	ADP
emaj-329	94	4	kamalu	kamalu	PROPN
emaj-329	94	5	et	et	PROPN
emaj-329	94	6	.	.	PUNCT
emaj-329	95	1	al	al	PROPN
emaj-329	95	2	.	.	PROPN
emaj-329	96	1	(	(	PUNCT
emaj-329	96	2	2019	2019	NUM
emaj-329	96	3	)	)	PUNCT
emaj-329	96	4	analyzed	analyze	VERB
emaj-329	96	5	the	the	DET
emaj-329	96	6	cause	cause	NOUN
emaj-329	96	7	effect	effect	NOUN
emaj-329	96	8	relationship	relationship	NOUN
emaj-329	96	9	between	between	ADP
emaj-329	96	10	financial	financial	ADJ
emaj-329	96	11	development	development	NOUN
emaj-329	96	12	,	,	PUNCT
emaj-329	96	13	financial	financial	ADJ
emaj-329	96	14	inclusion	inclusion	NOUN
emaj-329	96	15	and	and	CCONJ
emaj-329	96	16	economic	economic	ADJ
emaj-329	96	17	growth	growth	NOUN
emaj-329	96	18	in	in	ADP
emaj-329	96	19	nigeria	nigeria	PROPN
emaj-329	96	20	.	.	PUNCT
emaj-329	97	1	the	the	DET
emaj-329	97	2	research	research	NOUN
emaj-329	97	3	used	use	VERB
emaj-329	97	4	a	a	DET
emaj-329	97	5	unit	unit	NOUN
emaj-329	97	6	root	root	NOUN
emaj-329	97	7	test	test	NOUN
emaj-329	97	8	.	.	PUNCT
emaj-329	98	1	the	the	DET
emaj-329	98	2	study	study	NOUN
emaj-329	98	3	showed	show	VERB
emaj-329	98	4	that	that	SCONJ
emaj-329	98	5	financial	financial	ADJ
emaj-329	98	6	progress	progress	NOUN
emaj-329	98	7	as	as	ADV
emaj-329	98	8	well	well	ADV
emaj-329	98	9	as	as	ADP
emaj-329	98	10	integration	integration	NOUN
emaj-329	98	11	of	of	ADP
emaj-329	98	12	participants	participant	NOUN
emaj-329	98	13	into	into	ADP
emaj-329	98	14	these	these	DET
emaj-329	98	15	systems	system	NOUN
emaj-329	98	16	represents	represent	VERB
emaj-329	98	17	the	the	DET
emaj-329	98	18	main	main	ADJ
emaj-329	98	19	components	component	NOUN
emaj-329	98	20	of	of	ADP
emaj-329	98	21	economic	economic	ADJ
emaj-329	98	22	growth	growth	NOUN
emaj-329	98	23	.	.	PUNCT
emaj-329	99	1	therefore	therefore	ADV
emaj-329	99	2	,	,	PUNCT
emaj-329	99	3	along	along	ADP
emaj-329	99	4	with	with	ADP
emaj-329	99	5	the	the	DET
emaj-329	99	6	rise	rise	NOUN
emaj-329	99	7	,	,	PUNCT
emaj-329	99	8	the	the	DET
emaj-329	99	9	expansion	expansion	NOUN
emaj-329	99	10	of	of	ADP
emaj-329	99	11	the	the	DET
emaj-329	99	12	economy	economy	NOUN
emaj-329	99	13	is	be	AUX
emaj-329	99	14	even	even	ADV
emaj-329	99	15	more	more	ADV
emaj-329	99	16	substantial	substantial	ADJ
emaj-329	99	17	as	as	SCONJ
emaj-329	99	18	more	more	ADJ
emaj-329	99	19	people	people	NOUN
emaj-329	99	20	begin	begin	VERB
emaj-329	99	21	to	to	PART
emaj-329	99	22	employ	employ	VERB
emaj-329	99	23	the	the	DET
emaj-329	99	24	official	official	ADJ
emaj-329	99	25	financial	financial	ADJ
emaj-329	99	26	services	service	NOUN
emaj-329	99	27	.	.	PUNCT
emaj-329	100	1	although	although	SCONJ
emaj-329	100	2	the	the	DET
emaj-329	100	3	financial	financial	ADJ
emaj-329	100	4	innovation	innovation	NOUN
emaj-329	100	5	is	be	AUX
emaj-329	100	6	a	a	DET
emaj-329	100	7	contributing	contribute	VERB
emaj-329	100	8	factor	factor	NOUN
emaj-329	100	9	to	to	ADP
emaj-329	100	10	the	the	DET
emaj-329	100	11	economic	economic	ADJ
emaj-329	100	12	growth	growth	NOUN
emaj-329	100	13	in	in	ADP
emaj-329	100	14	nigeria	nigeria	PROPN
emaj-329	100	15	,	,	PUNCT
emaj-329	100	16	the	the	DET
emaj-329	100	17	scarcity	scarcity	NOUN
emaj-329	100	18	of	of	ADP
emaj-329	100	19	in	in	ADP
emaj-329	100	20	-	-	PUNCT
emaj-329	100	21	depth	depth	NOUN
emaj-329	100	22	empirical	empirical	ADJ
emaj-329	100	23	investigation	investigation	NOUN
emaj-329	100	24	reveals	reveal	VERB
emaj-329	100	25	that	that	SCONJ
emaj-329	100	26	the	the	DET
emaj-329	100	27	innovative	innovative	ADJ
emaj-329	100	28	measure	measure	NOUN
emaj-329	100	29	may	may	AUX
emaj-329	100	30	not	not	PART
emaj-329	100	31	lead	lead	VERB
emaj-329	100	32	to	to	ADP
emaj-329	100	33	economic	economic	ADJ
emaj-329	100	34	growth	growth	NOUN
emaj-329	100	35	and	and	CCONJ
emaj-329	100	36	sustainability	sustainability	NOUN
emaj-329	100	37	in	in	ADP
emaj-329	100	38	nigeria	nigeria	PROPN
emaj-329	100	39	.	.	PUNCT
emaj-329	101	1	v.	v.	ADP
emaj-329	101	2	methodology	methodology	NOUN
emaj-329	101	3	the	the	DET
emaj-329	101	4	research	research	NOUN
emaj-329	101	5	intends	intend	VERB
emaj-329	101	6	to	to	PART
emaj-329	101	7	examine	examine	VERB
emaj-329	101	8	whether	whether	SCONJ
emaj-329	101	9	the	the	DET
emaj-329	101	10	adoption	adoption	NOUN
emaj-329	101	11	of	of	ADP
emaj-329	101	12	financial	financial	ADJ
emaj-329	101	13	innovation	innovation	NOUN
emaj-329	101	14	in	in	ADP
emaj-329	101	15	the	the	DET
emaj-329	101	16	financial	financial	ADJ
emaj-329	101	17	services	service	NOUN
emaj-329	101	18	industry	industry	NOUN
emaj-329	101	19	affects	affect	VERB
emaj-329	101	20	economic	economic	ADJ
emaj-329	101	21	growth	growth	NOUN
emaj-329	101	22	and	and	CCONJ
emaj-329	101	23	sustainable	sustainable	ADJ
emaj-329	101	24	development	development	NOUN
emaj-329	101	25	in	in	ADP
emaj-329	101	26	nigeria	nigeria	PROPN
emaj-329	101	27	or	or	CCONJ
emaj-329	101	28	not	not	PART
emaj-329	101	29	.	.	PUNCT
emaj-329	102	1	the	the	DET
emaj-329	102	2	research	research	NOUN
emaj-329	102	3	,	,	PUNCT
emaj-329	102	4	in	in	ADP
emaj-329	102	5	turn	turn	NOUN
emaj-329	102	6	,	,	PUNCT
emaj-329	102	7	used	use	VERB
emaj-329	102	8	the	the	DET
emaj-329	102	9	time	time	NOUN
emaj-329	102	10	series	series	PROPN
emaj-329	102	11	analysis	analysis	NOUN
emaj-329	102	12	method	method	NOUN
emaj-329	102	13	.	.	PUNCT
emaj-329	103	1	spanning	span	VERB
emaj-329	103	2	from	from	ADP
emaj-329	103	3	2013	2013	NUM
emaj-329	103	4	to	to	ADP
emaj-329	103	5	2023	2023	NUM
emaj-329	103	6	,	,	PUNCT
emaj-329	103	7	the	the	DET
emaj-329	103	8	secondary	secondary	ADJ
emaj-329	103	9	data	datum	NOUN
emaj-329	103	10	were	be	AUX
emaj-329	103	11	collected	collect	VERB
emaj-329	103	12	from	from	ADP
emaj-329	103	13	the	the	DET
emaj-329	103	14	central	central	ADJ
emaj-329	103	15	bank	bank	PROPN
emaj-329	103	16	of	of	ADP
emaj-329	103	17	nigeria	nigeria	PROPN
emaj-329	103	18	(	(	PUNCT
emaj-329	103	19	cbn	cbn	PROPN
emaj-329	103	20	)	)	PUNCT
emaj-329	103	21	statistical	statistical	ADJ
emaj-329	103	22	bulletin	bulletin	NOUN
emaj-329	103	23	and	and	CCONJ
emaj-329	103	24	nigeria	nigeria	PROPN
emaj-329	103	25	bureau	bureau	PROPN
emaj-329	103	26	of	of	ADP
emaj-329	103	27	statistics	statistic	NOUN
emaj-329	103	28	(	(	PUNCT
emaj-329	103	29	nbs	nbs	NOUN
emaj-329	103	30	)	)	PUNCT
emaj-329	103	31	report	report	NOUN
emaj-329	103	32	.	.	PUNCT
emaj-329	104	1	the	the	DET
emaj-329	104	2	selection	selection	NOUN
emaj-329	104	3	criteria	criterion	NOUN
emaj-329	104	4	for	for	ADP
emaj-329	104	5	secondary	secondary	ADJ
emaj-329	104	6	sources	source	NOUN
emaj-329	104	7	were	be	AUX
emaj-329	104	8	established	establish	VERB
emaj-329	104	9	to	to	PART
emaj-329	104	10	include	include	VERB
emaj-329	104	11	sources	source	NOUN
emaj-329	104	12	with	with	ADP
emaj-329	104	13	the	the	DET
emaj-329	104	14	history	history	NOUN
emaj-329	104	15	of	of	ADP
emaj-329	104	16	providing	provide	VERB
emaj-329	104	17	accurate	accurate	ADJ
emaj-329	104	18	,	,	PUNCT
emaj-329	104	19	sufficient	sufficient	ADJ
emaj-329	104	20	,	,	PUNCT
emaj-329	104	21	intact	intact	ADJ
emaj-329	104	22	and	and	CCONJ
emaj-329	104	23	easily	easily	ADV
emaj-329	104	24	accessed	access	VERB
emaj-329	104	25	data	datum	NOUN
emaj-329	104	26	.	.	PUNCT
emaj-329	105	1	this	this	DET
emaj-329	105	2	research	research	NOUN
emaj-329	105	3	used	use	VERB
emaj-329	105	4	descriptive	descriptive	ADJ
emaj-329	105	5	statistic	statistic	NOUN
emaj-329	105	6	and	and	CCONJ
emaj-329	105	7	economics	economic	NOUN
emaj-329	105	8	as	as	ADP
emaj-329	105	9	an	an	DET
emaj-329	105	10	analytical	analytical	ADJ
emaj-329	105	11	tool	tool	NOUN
emaj-329	105	12	to	to	PART
emaj-329	105	13	identify	identify	VERB
emaj-329	105	14	the	the	DET
emaj-329	105	15	correlation	correlation	NOUN
emaj-329	105	16	between	between	ADP
emaj-329	105	17	two	two	NUM
emaj-329	105	18	variables	variable	NOUN
emaj-329	105	19	.	.	PUNCT
emaj-329	106	1	the	the	DET
emaj-329	106	2	e	e	NOUN
emaj-329	106	3	-	-	ADJ
emaj-329	106	4	view	view	ADJ
emaj-329	106	5	output	output	NOUN
emaj-329	106	6	program	program	NOUN
emaj-329	106	7	was	be	AUX
emaj-329	106	8	utilized	utilize	VERB
emaj-329	106	9	to	to	PART
emaj-329	106	10	apply	apply	VERB
emaj-329	106	11	a	a	DET
emaj-329	106	12	summary	summary	NOUN
emaj-329	106	13	of	of	ADP
emaj-329	106	14	statistics	statistic	NOUN
emaj-329	106	15	for	for	ADP
emaj-329	106	16	doing	do	VERB
emaj-329	106	17	a	a	DET
emaj-329	106	18	descriptive	descriptive	ADJ
emaj-329	106	19	analysis	analysis	NOUN
emaj-329	106	20	of	of	ADP
emaj-329	106	21	the	the	DET
emaj-329	106	22	several	several	ADJ
emaj-329	106	23	variables	variable	NOUN
emaj-329	106	24	in	in	ADP
emaj-329	106	25	the	the	DET
emaj-329	106	26	investigation	investigation	NOUN
emaj-329	106	27	.	.	PUNCT
emaj-329	107	1	in	in	ADP
emaj-329	107	2	addition	addition	NOUN
emaj-329	107	3	,	,	PUNCT
emaj-329	107	4	linear	linear	ADJ
emaj-329	107	5	regression	regression	NOUN
emaj-329	107	6	model	model	NOUN
emaj-329	107	7	was	be	AUX
emaj-329	107	8	employed	employ	VERB
emaj-329	107	9	as	as	ADP
emaj-329	107	10	the	the	DET
emaj-329	107	11	technique	technique	NOUN
emaj-329	107	12	.	.	PUNCT
emaj-329	108	1	on	on	ADP
emaj-329	108	2	the	the	DET
emaj-329	108	3	basis	basis	NOUN
emaj-329	108	4	of	of	ADP
emaj-329	108	5	the	the	DET
emaj-329	108	6	evaluated	evaluated	ADJ
emaj-329	108	7	literature	literature	NOUN
emaj-329	108	8	,	,	PUNCT
emaj-329	108	9	the	the	DET
emaj-329	108	10	following	follow	VERB
emaj-329	108	11	model	model	NOUN
emaj-329	108	12	below	below	ADV
emaj-329	108	13	is	be	AUX
emaj-329	108	14	specified	specify	VERB
emaj-329	108	15	.	.	PUNCT
emaj-329	109	1	the	the	DET
emaj-329	109	2	following	follow	VERB
emaj-329	109	3	model	model	NOUN
emaj-329	109	4	(	(	PUNCT
emaj-329	109	5	regression	regression	NOUN
emaj-329	109	6	equation	equation	NOUN
emaj-329	109	7	)	)	PUNCT
emaj-329	109	8	in	in	ADP
emaj-329	109	9	its	its	PRON
emaj-329	109	10	linear	linear	ADJ
emaj-329	109	11	form	form	NOUN
emaj-329	109	12	volume	volume	NOUN
emaj-329	109	13	14	14	NUM
emaj-329	109	14	no	no	PRON
emaj-329	109	15	1	1	NUM
emaj-329	109	16	(	(	PUNCT
emaj-329	109	17	2024	2024	NUM
emaj-329	109	18	)	)	PUNCT
emaj-329	109	19	|	|	ADV
emaj-329	109	20	issn	issn	VERB
emaj-329	109	21	2158	2158	NUM
emaj-329	109	22	-	-	SYM
emaj-329	109	23	8708	8708	NUM
emaj-329	109	24	(	(	PUNCT
emaj-329	109	25	online	online	NOUN
emaj-329	109	26	)	)	PUNCT
emaj-329	109	27	|	|	ADV
emaj-329	109	28	doi	doi	X
emaj-329	109	29	10.5195	10.5195	NUM
emaj-329	109	30	/	/	SYM
emaj-329	109	31	emaj.2024.329	emaj.2024.329	PROPN
emaj-329	109	32	|	|	ADV
emaj-329	109	33	http://emaj.pitt.edu	http://emaj.pitt.edu	VERB
emaj-329	109	34	olugbenga	olugbenga	NOUN
emaj-329	109	35	adeshola	adeshola	PROPN
emaj-329	109	36	olunuga	olunuga	ADV
emaj-329	109	37	,	,	PUNCT
emaj-329	109	38	mustapha	mustapha	PROPN
emaj-329	109	39	babatunde	babatunde	PROPN
emaj-329	109	40	ademola	ademola	PROPN
emaj-329	109	41	ashoghon	ashoghon	VERB
emaj-329	109	42	emerging	emerge	VERB
emaj-329	109	43	markets	market	NOUN
emaj-329	109	44	journal	journal	NOUN
emaj-329	109	45	page	page	NOUN
emaj-329	109	46	|15|	|15|	NOUN
emaj-329	109	47	was	be	AUX
emaj-329	109	48	used	use	VERB
emaj-329	109	49	to	to	PART
emaj-329	109	50	test	test	VERB
emaj-329	109	51	the	the	DET
emaj-329	109	52	relationship	relationship	NOUN
emaj-329	109	53	between	between	ADP
emaj-329	109	54	independent	independent	ADJ
emaj-329	109	55	variables	variable	NOUN
emaj-329	109	56	and	and	CCONJ
emaj-329	109	57	dependent	dependent	ADJ
emaj-329	109	58	variable	variable	NOUN
emaj-329	109	59	.	.	PUNCT
emaj-329	110	1	gdp	gdp	NOUN
emaj-329	110	2	=	=	SYM
emaj-329	110	3	f	f	PROPN
emaj-329	110	4	(	(	PUNCT
emaj-329	110	5	atm	atm	PROPN
emaj-329	110	6	,	,	PUNCT
emaj-329	110	7	pos	pos	PROPN
emaj-329	110	8	,	,	PUNCT
emaj-329	110	9	wep	wep	PROPN
emaj-329	110	10	,	,	PUNCT
emaj-329	110	11	nip	nip	PROPN
emaj-329	110	12	)	)	PUNCT
emaj-329	110	13	1	1	NUM
emaj-329	110	14	gdp	gdp	NOUN
emaj-329	110	15	=	=	NOUN
emaj-329	110	16	βo	βo	PROPN
emaj-329	110	17	+	+	NOUN
emaj-329	110	18	β1atm	β1atm	NUM
emaj-329	110	19	+	+	NUM
emaj-329	110	20	β2pos	β2pos	NUM
emaj-329	110	21	+	+	NUM
emaj-329	110	22	β3wep	β3wep	SYM
emaj-329	111	1	+	+	CCONJ
emaj-329	111	2	β4nip	β4nip	AUX
emaj-329	111	3	2	2	NUM
emaj-329	111	4	to	to	PART
emaj-329	111	5	standardize	standardize	VERB
emaj-329	111	6	the	the	DET
emaj-329	111	7	values	value	NOUN
emaj-329	111	8	and	and	CCONJ
emaj-329	111	9	obtain	obtain	VERB
emaj-329	111	10	elasticity	elasticity	NOUN
emaj-329	111	11	,	,	PUNCT
emaj-329	111	12	the	the	DET
emaj-329	111	13	model	model	NOUN
emaj-329	111	14	is	be	AUX
emaj-329	111	15	transformed	transform	VERB
emaj-329	111	16	into	into	ADP
emaj-329	111	17	a	a	DET
emaj-329	111	18	natural	natural	ADJ
emaj-329	111	19	logarithm	logarithm	NOUN
emaj-329	111	20	.	.	PUNCT
emaj-329	112	1	hence	hence	ADV
emaj-329	112	2	,	,	PUNCT
emaj-329	112	3	the	the	DET
emaj-329	112	4	model	model	NOUN
emaj-329	112	5	is	be	AUX
emaj-329	112	6	specified	specify	VERB
emaj-329	112	7	as	as	ADP
emaj-329	112	8	the	the	DET
emaj-329	112	9	following	following	NOUN
emaj-329	112	10	:	:	PUNCT
emaj-329	112	11	lngdp	lngdp	NOUN
emaj-329	112	12	=	=	PUNCT
emaj-329	112	13	βo	βo	PROPN
emaj-329	112	14	+	+	NUM
emaj-329	112	15	β1lnatm	β1lnatm	PROPN
emaj-329	112	16	+	+	NUM
emaj-329	112	17	β2lnpos	β2lnpos	PROPN
emaj-329	112	18	+	+	CCONJ
emaj-329	112	19	β3lnwep	β3lnwep	X
emaj-329	112	20	+	+	CCONJ
emaj-329	112	21	β4lnnip	β4lnnip	X
emaj-329	112	22	+	+	CCONJ
emaj-329	112	23	µ	µ	X
emaj-329	112	24	3	3	NUM
emaj-329	112	25	where	where	SCONJ
emaj-329	112	26	;	;	PUNCT
emaj-329	112	27	gdp	gdp	NOUN
emaj-329	112	28	=	=	PROPN
emaj-329	112	29	gross	gross	ADJ
emaj-329	112	30	domestic	domestic	ADJ
emaj-329	112	31	product	product	NOUN
emaj-329	112	32	,	,	PUNCT
emaj-329	112	33	ln	ln	ADJ
emaj-329	112	34	=	=	PUNCT
emaj-329	112	35	natural	natural	ADJ
emaj-329	112	36	logarithm	logarithm	NOUN
emaj-329	112	37	,	,	PUNCT
emaj-329	112	38	atm	atm	NOUN
emaj-329	112	39	=	=	SYM
emaj-329	112	40	value	value	NOUN
emaj-329	112	41	of	of	ADP
emaj-329	112	42	automated	automate	VERB
emaj-329	112	43	teller	teller	NOUN
emaj-329	112	44	machine	machine	NOUN
emaj-329	112	45	transaction	transaction	NOUN
emaj-329	112	46	,	,	PUNCT
emaj-329	112	47	pos	pos	NOUN
emaj-329	112	48	=	=	NOUN
emaj-329	112	49	value	value	NOUN
emaj-329	112	50	of	of	ADP
emaj-329	112	51	point	point	NOUN
emaj-329	112	52	of	of	ADP
emaj-329	112	53	sale	sale	NOUN
emaj-329	112	54	transaction	transaction	NOUN
emaj-329	112	55	,	,	PUNCT
emaj-329	112	56	wep	wep	PROPN
emaj-329	112	57	=	=	PROPN
emaj-329	112	58	value	value	NOUN
emaj-329	112	59	of	of	ADP
emaj-329	112	60	wep	wep	PROPN
emaj-329	112	61	pay	pay	NOUN
emaj-329	112	62	transaction	transaction	NOUN
emaj-329	112	63	,	,	PUNCT
emaj-329	112	64	nip	nip	NOUN
emaj-329	112	65	=	=	NOUN
emaj-329	112	66	value	value	NOUN
emaj-329	112	67	of	of	ADP
emaj-329	112	68	nibss	nibss	NOUN
emaj-329	112	69	instant	instant	ADJ
emaj-329	112	70	payments	payment	NOUN
emaj-329	112	71	transaction	transaction	NOUN
emaj-329	112	72	,	,	PUNCT
emaj-329	112	73	βo	βo	NOUN
emaj-329	112	74	=	=	NUM
emaj-329	112	75	constant	constant	ADJ
emaj-329	112	76	term	term	NOUN
emaj-329	112	77	or	or	CCONJ
emaj-329	112	78	intercepted	intercept	VERB
emaj-329	112	79	,	,	PUNCT
emaj-329	112	80	β1	β1	PROPN
emaj-329	112	81	=	=	SYM
emaj-329	112	82	coefficient	coefficient	NOUN
emaj-329	112	83	of	of	ADP
emaj-329	112	84	atm	atm	PROPN
emaj-329	112	85	,	,	PUNCT
emaj-329	112	86	β2	β2	NOUN
emaj-329	112	87	=	=	NOUN
emaj-329	112	88	coefficient	coefficient	NOUN
emaj-329	112	89	of	of	ADP
emaj-329	112	90	pos	pos	NOUN
emaj-329	112	91	,	,	PUNCT
emaj-329	112	92	β3	β3	VERB
emaj-329	112	93	=	=	SYM
emaj-329	112	94	coefficient	coefficient	NOUN
emaj-329	112	95	of	of	ADP
emaj-329	112	96	wep	wep	PROPN
emaj-329	112	97	,	,	PUNCT
emaj-329	112	98	β4	β4	PROPN
emaj-329	112	99	=	=	PUNCT
emaj-329	112	100	coefficient	coefficient	NOUN
emaj-329	112	101	of	of	ADP
emaj-329	112	102	nip	nip	NOUN
emaj-329	112	103	,	,	PUNCT
emaj-329	112	104	µ	µ	NOUN
emaj-329	112	105	=	=	NOUN
emaj-329	112	106	error	error	NOUN
emaj-329	112	107	term	term	NOUN
emaj-329	112	108	.	.	PUNCT
emaj-329	113	1	vi	vi	X
emaj-329	113	2	.	.	PROPN
emaj-329	113	3	data	datum	NOUN
emaj-329	113	4	analysis	analysis	NOUN
emaj-329	113	5	and	and	CCONJ
emaj-329	113	6	discussion	discussion	NOUN
emaj-329	113	7	of	of	ADP
emaj-329	113	8	results	result	NOUN
emaj-329	113	9	time	time	NOUN
emaj-329	113	10	series	series	NOUN
emaj-329	113	11	analysis	analysis	NOUN
emaj-329	113	12	necessitates	necessitate	VERB
emaj-329	113	13	stationary	stationary	ADJ
emaj-329	113	14	series	series	PROPN
emaj-329	113	15	data	data	PROPN
emaj-329	113	16	since	since	SCONJ
emaj-329	113	17	non	non	ADJ
emaj-329	113	18	-	-	ADJ
emaj-329	113	19	stationary	stationary	ADJ
emaj-329	113	20	data	datum	NOUN
emaj-329	113	21	can	can	AUX
emaj-329	113	22	provide	provide	VERB
emaj-329	113	23	false	false	ADJ
emaj-329	113	24	conclusions	conclusion	NOUN
emaj-329	113	25	.	.	PUNCT
emaj-329	114	1	the	the	DET
emaj-329	114	2	technique	technique	NOUN
emaj-329	114	3	of	of	ADP
emaj-329	114	4	regression	regression	NOUN
emaj-329	114	5	analysis	analysis	NOUN
emaj-329	114	6	was	be	AUX
emaj-329	114	7	utilized	utilize	VERB
emaj-329	114	8	to	to	PART
emaj-329	114	9	examine	examine	VERB
emaj-329	114	10	the	the	DET
emaj-329	114	11	correlation	correlation	NOUN
emaj-329	114	12	between	between	ADP
emaj-329	114	13	the	the	DET
emaj-329	114	14	variables	variable	NOUN
emaj-329	114	15	of	of	ADP
emaj-329	114	16	interest	interest	NOUN
emaj-329	114	17	.	.	PUNCT
emaj-329	115	1	a	a	DET
emaj-329	115	2	test	test	NOUN
emaj-329	115	3	for	for	ADP
emaj-329	115	4	stationarity	stationarity	NOUN
emaj-329	115	5	was	be	AUX
emaj-329	115	6	performed	perform	VERB
emaj-329	115	7	on	on	ADP
emaj-329	115	8	the	the	DET
emaj-329	115	9	variables	variable	NOUN
emaj-329	115	10	.	.	PUNCT
emaj-329	116	1	prior	prior	ADV
emaj-329	116	2	to	to	PART
emaj-329	116	3	use	use	VERB
emaj-329	116	4	a	a	DET
emaj-329	116	5	conventional	conventional	ADJ
emaj-329	116	6	econometrics	econometrics	NOUN
emaj-329	116	7	methodology	methodology	NOUN
emaj-329	116	8	,	,	PUNCT
emaj-329	116	9	it	it	PRON
emaj-329	116	10	is	be	AUX
emaj-329	116	11	imperative	imperative	ADJ
emaj-329	116	12	that	that	SCONJ
emaj-329	116	13	variables	variable	NOUN
emaj-329	116	14	exhibit	exhibit	VERB
emaj-329	116	15	stationarity	stationarity	NOUN
emaj-329	116	16	in	in	ADP
emaj-329	116	17	accordance	accordance	NOUN
emaj-329	116	18	with	with	ADP
emaj-329	116	19	economic	economic	ADJ
emaj-329	116	20	theory	theory	NOUN
emaj-329	116	21	.	.	PUNCT
emaj-329	117	1	the	the	DET
emaj-329	117	2	stationarity	stationarity	NOUN
emaj-329	117	3	test	test	NOUN
emaj-329	117	4	employs	employ	VERB
emaj-329	117	5	a	a	DET
emaj-329	117	6	maximum	maximum	NOUN
emaj-329	117	7	of	of	ADP
emaj-329	117	8	1	1	NUM
emaj-329	117	9	lag	lag	NOUN
emaj-329	117	10	and	and	CCONJ
emaj-329	117	11	incorporates	incorporate	VERB
emaj-329	117	12	the	the	DET
emaj-329	117	13	intercept	intercept	NOUN
emaj-329	117	14	to	to	PART
emaj-329	117	15	prevent	prevent	VERB
emaj-329	117	16	inaccurate	inaccurate	ADJ
emaj-329	117	17	outcomes	outcome	NOUN
emaj-329	117	18	.	.	PUNCT
emaj-329	118	1	the	the	DET
emaj-329	118	2	performance	performance	NOUN
emaj-329	118	3	of	of	ADP
emaj-329	118	4	the	the	DET
emaj-329	118	5	adf	adf	PROPN
emaj-329	118	6	is	be	AUX
emaj-329	118	7	presented	present	VERB
emaj-329	118	8	in	in	ADP
emaj-329	118	9	table	table	NOUN
emaj-329	118	10	1	1	NUM
emaj-329	118	11	below	below	ADV
emaj-329	118	12	.	.	PUNCT
emaj-329	119	1	unit	unit	NOUN
emaj-329	119	2	root	root	PROPN
emaj-329	119	3	test	test	NOUN
emaj-329	119	4	table	table	NOUN
emaj-329	119	5	1	1	NUM
emaj-329	119	6	:	:	PUNCT
emaj-329	119	7	augmented	augment	VERB
emaj-329	119	8	dickey	dickey	PROPN
emaj-329	119	9	-	-	PUNCT
emaj-329	119	10	fuller	full	ADJ
emaj-329	119	11	unit	unit	NOUN
emaj-329	119	12	root	root	PROPN
emaj-329	119	13	stationarity	stationarity	PROPN
emaj-329	119	14	test	test	NOUN
emaj-329	119	15	source	source	NOUN
emaj-329	119	16	:	:	PUNCT
emaj-329	119	17	authors	author	NOUN
emaj-329	119	18	’	'	PUNCT
emaj-329	119	19	computation	computation	NOUN
emaj-329	119	20	using	use	VERB
emaj-329	119	21	e	e	NOUN
emaj-329	119	22	-	-	NOUN
emaj-329	119	23	views	view	NOUN
emaj-329	119	24	the	the	DET
emaj-329	119	25	variables	variable	NOUN
emaj-329	119	26	employed	employ	VERB
emaj-329	119	27	in	in	ADP
emaj-329	119	28	this	this	DET
emaj-329	119	29	study	study	NOUN
emaj-329	119	30	include	include	VERB
emaj-329	119	31	a	a	DET
emaj-329	119	32	mix	mix	NOUN
emaj-329	119	33	of	of	ADP
emaj-329	119	34	both	both	DET
emaj-329	119	35	i(0	i(0	PROPN
emaj-329	119	36	)	)	PUNCT
emaj-329	119	37	and	and	CCONJ
emaj-329	119	38	i(1	i(1	PROPN
emaj-329	119	39	)	)	PUNCT
emaj-329	119	40	series	series	NOUN
emaj-329	119	41	,	,	PUNCT
emaj-329	119	42	as	as	SCONJ
emaj-329	119	43	shown	show	VERB
emaj-329	119	44	in	in	ADP
emaj-329	119	45	table	table	NOUN
emaj-329	119	46	1	1	NUM
emaj-329	119	47	.	.	PUNCT
emaj-329	120	1	that	that	PRON
emaj-329	120	2	is	is	ADV
emaj-329	120	3	,	,	PUNCT
emaj-329	120	4	the	the	DET
emaj-329	120	5	variables	variable	NOUN
emaj-329	120	6	are	be	AUX
emaj-329	120	7	a	a	DET
emaj-329	120	8	mixture	mixture	NOUN
emaj-329	120	9	of	of	ADP
emaj-329	120	10	variables	variable	NOUN
emaj-329	120	11	with	with	ADP
emaj-329	120	12	integrated	integrated	ADJ
emaj-329	120	13	orders	order	NOUN
emaj-329	120	14	of	of	ADP
emaj-329	120	15	zero	zero	NUM
emaj-329	120	16	and	and	CCONJ
emaj-329	120	17	one	one	NUM
emaj-329	120	18	,	,	PUNCT
emaj-329	120	19	which	which	PRON
emaj-329	120	20	is	be	AUX
emaj-329	120	21	one	one	NUM
emaj-329	120	22	of	of	ADP
emaj-329	120	23	the	the	DET
emaj-329	120	24	reasons	reason	NOUN
emaj-329	120	25	for	for	ADP
emaj-329	120	26	using	use	VERB
emaj-329	120	27	the	the	DET
emaj-329	120	28	ardl	ardl	NOUN
emaj-329	120	29	model	model	NOUN
emaj-329	120	30	.	.	PUNCT
emaj-329	121	1	analysis	analysis	NOUN
emaj-329	121	2	of	of	ADP
emaj-329	121	3	co	co	NOUN
emaj-329	121	4	-	-	NOUN
emaj-329	121	5	integration	integration	NOUN
emaj-329	121	6	(	(	PUNCT
emaj-329	121	7	bounds	bound	NOUN
emaj-329	121	8	test	test	NOUN
emaj-329	121	9	)	)	PUNCT
emaj-329	121	10	table	table	NOUN
emaj-329	121	11	2	2	NUM
emaj-329	121	12	:	:	PUNCT
emaj-329	121	13	cointegration	cointegration	NOUN
emaj-329	121	14	bounds	bound	NOUN
emaj-329	121	15	test	test	NOUN
emaj-329	121	16	source	source	NOUN
emaj-329	121	17	:	:	PUNCT
emaj-329	121	18	author	author	NOUN
emaj-329	121	19	’s	’s	PART
emaj-329	121	20	computation	computation	NOUN
emaj-329	121	21	using	use	VERB
emaj-329	121	22	e	e	NOUN
emaj-329	121	23	-	-	NOUN
emaj-329	121	24	views	view	NOUN
emaj-329	121	25	the	the	DET
emaj-329	121	26	estimate	estimate	NOUN
emaj-329	121	27	for	for	ADP
emaj-329	121	28	ardl	ardl	NOUN
emaj-329	121	29	bound	bind	VERB
emaj-329	121	30	testing	testing	NOUN
emaj-329	121	31	/	/	SYM
emaj-329	121	32	cointegration	cointegration	NOUN
emaj-329	121	33	is	be	AUX
emaj-329	121	34	presented	present	VERB
emaj-329	121	35	in	in	ADP
emaj-329	121	36	table	table	NOUN
emaj-329	121	37	2	2	NUM
emaj-329	121	38	.	.	PUNCT
emaj-329	122	1	the	the	DET
emaj-329	122	2	co	co	NOUN
emaj-329	122	3	-	-	NOUN
emaj-329	122	4	integration	integration	NOUN
emaj-329	122	5	test	test	NOUN
emaj-329	122	6	confirms	confirm	VERB
emaj-329	122	7	the	the	DET
emaj-329	122	8	rejection	rejection	NOUN
emaj-329	122	9	of	of	ADP
emaj-329	122	10	the	the	DET
emaj-329	122	11	null	null	ADJ
emaj-329	122	12	hypothesis	hypothesis	NOUN
emaj-329	122	13	that	that	SCONJ
emaj-329	122	14	there	there	PRON
emaj-329	122	15	is	be	VERB
emaj-329	122	16	no	no	DET
emaj-329	122	17	co	co	NOUN
emaj-329	122	18	-	-	NOUN
emaj-329	122	19	integration	integration	NOUN
emaj-329	122	20	between	between	ADP
emaj-329	122	21	variables	variable	NOUN
emaj-329	122	22	.	.	PUNCT
emaj-329	123	1	this	this	PRON
emaj-329	123	2	suggests	suggest	VERB
emaj-329	123	3	that	that	SCONJ
emaj-329	123	4	the	the	DET
emaj-329	123	5	variables	variable	NOUN
emaj-329	123	6	of	of	ADP
emaj-329	123	7	the	the	DET
emaj-329	123	8	model	model	NOUN
emaj-329	123	9	exhibit	exhibit	VERB
emaj-329	123	10	a	a	DET
emaj-329	123	11	persistent	persistent	ADJ
emaj-329	123	12	correlation	correlation	NOUN
emaj-329	123	13	over	over	ADP
emaj-329	123	14	an	an	DET
emaj-329	123	15	extended	extended	ADJ
emaj-329	123	16	period	period	NOUN
emaj-329	123	17	of	of	ADP
emaj-329	123	18	time	time	NOUN
emaj-329	123	19	.	.	PUNCT
emaj-329	124	1	the	the	DET
emaj-329	124	2	calculated	calculated	ADJ
emaj-329	124	3	f	f	NOUN
emaj-329	124	4	-	-	PUNCT
emaj-329	124	5	statistic	statistic	ADJ
emaj-329	124	6	(	(	PUNCT
emaj-329	124	7	5.275022	5.275022	NUM
emaj-329	124	8	)	)	PUNCT
emaj-329	124	9	obtained	obtain	VERB
emaj-329	124	10	from	from	ADP
emaj-329	124	11	the	the	DET
emaj-329	124	12	ardl	ardl	NOUN
emaj-329	124	13	bound	bind	VERB
emaj-329	124	14	testing	testing	NOUN
emaj-329	124	15	for	for	ADP
emaj-329	124	16	cointegration	cointegration	NOUN
emaj-329	124	17	exceeds	exceed	VERB
emaj-329	124	18	the	the	DET
emaj-329	124	19	upper	upper	ADJ
emaj-329	124	20	critical	critical	ADJ
emaj-329	124	21	bound	bind	VERB
emaj-329	124	22	of	of	ADP
emaj-329	124	23	the	the	DET
emaj-329	124	24	5	5	NUM
emaj-329	124	25	percent	percent	NOUN
emaj-329	124	26	critical	critical	ADJ
emaj-329	124	27	values	value	NOUN
emaj-329	124	28	,	,	PUNCT
emaj-329	124	29	as	as	SCONJ
emaj-329	124	30	seen	see	VERB
emaj-329	124	31	in	in	ADP
emaj-329	124	32	table	table	NOUN
emaj-329	124	33	2	2	NUM
emaj-329	124	34	.	.	PUNCT
emaj-329	125	1	at	at	ADP
emaj-329	125	2	a	a	DET
emaj-329	125	3	significance	significance	NOUN
emaj-329	125	4	level	level	NOUN
emaj-329	125	5	of	of	ADP
emaj-329	125	6	5	5	NUM
emaj-329	125	7	%	%	NOUN
emaj-329	125	8	,	,	PUNCT
emaj-329	125	9	this	this	PRON
emaj-329	125	10	provided	provide	VERB
emaj-329	125	11	evidence	evidence	NOUN
emaj-329	125	12	to	to	PART
emaj-329	125	13	reject	reject	VERB
emaj-329	125	14	the	the	DET
emaj-329	125	15	null	null	ADJ
emaj-329	125	16	hypothesis	hypothesis	NOUN
emaj-329	125	17	that	that	SCONJ
emaj-329	125	18	there	there	PRON
emaj-329	125	19	is	be	VERB
emaj-329	125	20	no	no	DET
emaj-329	125	21	co	co	NOUN
emaj-329	125	22	-	-	NOUN
emaj-329	125	23	integration	integration	NOUN
emaj-329	125	24	.	.	PUNCT
emaj-329	126	1	based	base	VERB
emaj-329	126	2	on	on	ADP
emaj-329	126	3	the	the	DET
emaj-329	126	4	ardl	ardl	NOUN
emaj-329	126	5	bound	bind	VERB
emaj-329	126	6	testing	testing	NOUN
emaj-329	126	7	,	,	PUNCT
emaj-329	126	8	it	it	PRON
emaj-329	126	9	can	can	AUX
emaj-329	126	10	be	be	AUX
emaj-329	126	11	inferred	infer	VERB
emaj-329	126	12	that	that	SCONJ
emaj-329	126	13	there	there	PRON
emaj-329	126	14	is	be	VERB
emaj-329	126	15	a	a	DET
emaj-329	126	16	significant	significant	ADJ
emaj-329	126	17	long	long	ADJ
emaj-329	126	18	-	-	PUNCT
emaj-329	126	19	term	term	NOUN
emaj-329	126	20	relationship	relationship	NOUN
emaj-329	126	21	between	between	ADP
emaj-329	126	22	the	the	DET
emaj-329	126	23	variables	variable	NOUN
emaj-329	126	24	,	,	PUNCT
emaj-329	126	25	with	with	ADP
emaj-329	126	26	a	a	DET
emaj-329	126	27	confidence	confidence	NOUN
emaj-329	126	28	level	level	NOUN
emaj-329	126	29	of	of	ADP
emaj-329	126	30	5	5	NUM
emaj-329	126	31	%	%	NOUN
emaj-329	126	32	.	.	PUNCT
emaj-329	127	1	table	table	NOUN
emaj-329	127	2	3	3	NUM
emaj-329	127	3	:	:	PUNCT
emaj-329	127	4	error	error	NOUN
emaj-329	127	5	correction	correction	NOUN
emaj-329	127	6	model	model	NOUN
emaj-329	127	7	source	source	NOUN
emaj-329	127	8	:	:	PUNCT
emaj-329	127	9	author	author	NOUN
emaj-329	127	10	’s	’s	PART
emaj-329	127	11	computation	computation	NOUN
emaj-329	127	12	using	use	VERB
emaj-329	127	13	e	e	NOUN
emaj-329	127	14	-	-	NOUN
emaj-329	127	15	views	view	NOUN
emaj-329	127	16	table	table	NOUN
emaj-329	127	17	3	3	NUM
emaj-329	127	18	shows	show	VERB
emaj-329	127	19	that	that	SCONJ
emaj-329	127	20	the	the	DET
emaj-329	127	21	value	value	NOUN
emaj-329	127	22	of	of	ADP
emaj-329	127	23	the	the	DET
emaj-329	127	24	coefficient	coefficient	NOUN
emaj-329	127	25	for	for	ADP
emaj-329	127	26	automated	automate	VERB
emaj-329	127	27	teller	teller	NOUN
emaj-329	127	28	machine	machine	NOUN
emaj-329	127	29	(	(	PUNCT
emaj-329	127	30	atm	atm	NOUN
emaj-329	127	31	)	)	PUNCT
emaj-329	127	32	is	be	AUX
emaj-329	127	33	-1.380739	-1.380739	ADJ
emaj-329	127	34	;	;	PUNCT
emaj-329	127	35	tstatistic	tstatistic	ADJ
emaj-329	127	36	is	be	AUX
emaj-329	127	37	-3.570549	-3.570549	NOUN
emaj-329	127	38	with	with	ADP
emaj-329	127	39	a	a	DET
emaj-329	127	40	probability	probability	NOUN
emaj-329	127	41	of	of	ADP
emaj-329	127	42	0.0010	0.0010	NUM
emaj-329	127	43	which	which	PRON
emaj-329	127	44	is	be	AUX
emaj-329	127	45	statistically	statistically	ADV
emaj-329	127	46	significant	significant	ADJ
emaj-329	127	47	at	at	ADP
emaj-329	127	48	5	5	NUM
emaj-329	127	49	percent	percent	NOUN
emaj-329	127	50	of	of	ADP
emaj-329	127	51	significance	significance	NOUN
emaj-329	127	52	indicating	indicate	VERB
emaj-329	127	53	that	that	SCONJ
emaj-329	127	54	the	the	DET
emaj-329	127	55	value	value	NOUN
emaj-329	127	56	of	of	ADP
emaj-329	127	57	atm	atm	PROPN
emaj-329	127	58	transaction	transaction	NOUN
emaj-329	127	59	has	have	VERB
emaj-329	127	60	significant	significant	ADJ
emaj-329	127	61	effect	effect	NOUN
emaj-329	127	62	on	on	ADP
emaj-329	127	63	nigeria	nigeria	PROPN
emaj-329	127	64	economy	economy	NOUN
emaj-329	127	65	.	.	PUNCT
emaj-329	128	1	the	the	DET
emaj-329	128	2	regression	regression	NOUN
emaj-329	128	3	coefficient	coefficient	NOUN
emaj-329	128	4	which	which	PRON
emaj-329	128	5	revealed	reveal	VERB
emaj-329	128	6	that	that	SCONJ
emaj-329	128	7	the	the	DET
emaj-329	128	8	value	value	NOUN
emaj-329	128	9	of	of	ADP
emaj-329	128	10	atm	atm	NOUN
emaj-329	128	11	transaction	transaction	NOUN
emaj-329	128	12	is	be	AUX
emaj-329	128	13	negatively	negatively	ADV
emaj-329	128	14	associated	associate	VERB
emaj-329	128	15	with	with	ADP
emaj-329	128	16	gross	gross	ADJ
emaj-329	128	17	domestic	domestic	ADJ
emaj-329	128	18	product	product	NOUN
emaj-329	128	19	(	(	PUNCT
emaj-329	128	20	gdp	gdp	NOUN
emaj-329	128	21	)	)	PUNCT
emaj-329	128	22	implies	imply	VERB
emaj-329	128	23	that	that	SCONJ
emaj-329	128	24	an	an	DET
emaj-329	128	25	increase	increase	NOUN
emaj-329	128	26	in	in	ADP
emaj-329	128	27	the	the	DET
emaj-329	128	28	value	value	NOUN
emaj-329	128	29	of	of	ADP
emaj-329	128	30	atm	atm	NOUN
emaj-329	128	31	transaction	transaction	NOUN
emaj-329	128	32	will	will	AUX
emaj-329	128	33	cause	cause	VERB
emaj-329	128	34	a	a	DET
emaj-329	128	35	decrease	decrease	NOUN
emaj-329	128	36	in	in	ADP
emaj-329	128	37	gdp	gdp	NOUN
emaj-329	128	38	.	.	PUNCT
emaj-329	129	1	the	the	DET
emaj-329	129	2	coefficient	coefficient	NOUN
emaj-329	129	3	for	for	ADP
emaj-329	129	4	point	point	NOUN
emaj-329	129	5	of	of	ADP
emaj-329	129	6	sale	sale	NOUN
emaj-329	129	7	(	(	PUNCT
emaj-329	129	8	pos	pos	NOUN
emaj-329	129	9	)	)	PUNCT
emaj-329	129	10	is	be	AUX
emaj-329	129	11	1.855827	1.855827	NUM
emaj-329	129	12	;	;	PUNCT
emaj-329	129	13	t	t	X
emaj-329	129	14	-	-	PUNCT
emaj-329	129	15	statistic	statistic	NOUN
emaj-329	129	16	is	be	AUX
emaj-329	129	17	4.885119	4.885119	NUM
emaj-329	129	18	with	with	ADP
emaj-329	129	19	a	a	DET
emaj-329	129	20	probability	probability	NOUN
emaj-329	129	21	of	of	ADP
emaj-329	129	22	0.0000	0.0000	NUM
emaj-329	129	23	which	which	PRON
emaj-329	129	24	is	be	AUX
emaj-329	129	25	statistically	statistically	ADV
emaj-329	129	26	significant	significant	ADJ
emaj-329	129	27	at	at	ADP
emaj-329	129	28	5	5	NUM
emaj-329	129	29	percent	percent	NOUN
emaj-329	129	30	of	of	ADP
emaj-329	129	31	volume	volume	NOUN
emaj-329	129	32	14	14	NUM
emaj-329	130	1	no	no	DET
emaj-329	130	2	1	1	NUM
emaj-329	130	3	(	(	PUNCT
emaj-329	130	4	2024	2024	NUM
emaj-329	130	5	)	)	PUNCT
emaj-329	130	6	|	|	ADV
emaj-329	130	7	issn	issn	VERB
emaj-329	130	8	2158	2158	NUM
emaj-329	130	9	-	-	SYM
emaj-329	130	10	8708	8708	NUM
emaj-329	130	11	(	(	PUNCT
emaj-329	130	12	online	online	NOUN
emaj-329	130	13	)	)	PUNCT
emaj-329	130	14	|	|	ADV
emaj-329	130	15	doi	doi	X
emaj-329	130	16	10.5195	10.5195	NUM
emaj-329	130	17	/	/	SYM
emaj-329	130	18	emaj.2024.329	emaj.2024.329	PROPN
emaj-329	130	19	|	|	ADV
emaj-329	130	20	http://emaj.pitt.edu	http://emaj.pitt.edu	VERB
emaj-329	130	21	financial	financial	ADJ
emaj-329	130	22	innovation	innovation	NOUN
emaj-329	130	23	,	,	PUNCT
emaj-329	130	24	economic	economic	ADJ
emaj-329	130	25	growth	growth	NOUN
emaj-329	130	26	and	and	CCONJ
emaj-329	130	27	sustainable	sustainable	ADJ
emaj-329	130	28	development	development	NOUN
emaj-329	130	29	in	in	ADP
emaj-329	130	30	an	an	DET
emaj-329	130	31	emerging	emerge	VERB
emaj-329	130	32	market	market	NOUN
emaj-329	130	33	:	:	PUNCT
emaj-329	130	34	nigeria	nigeria	PROPN
emaj-329	130	35	page	page	NOUN
emaj-329	130	36	|16|	|16|	VERB
emaj-329	130	37	emerging	emerge	VERB
emaj-329	130	38	markets	market	NOUN
emaj-329	130	39	journal	journal	NOUN
emaj-329	130	40	significance	significance	NOUN
emaj-329	130	41	indicating	indicate	VERB
emaj-329	130	42	that	that	SCONJ
emaj-329	130	43	the	the	DET
emaj-329	130	44	value	value	NOUN
emaj-329	130	45	of	of	ADP
emaj-329	130	46	pos	pos	NOUN
emaj-329	130	47	transaction	transaction	NOUN
emaj-329	130	48	has	have	VERB
emaj-329	130	49	significant	significant	ADJ
emaj-329	130	50	effect	effect	NOUN
emaj-329	130	51	on	on	ADP
emaj-329	130	52	nigeria	nigeria	PROPN
emaj-329	130	53	economy	economy	NOUN
emaj-329	130	54	.	.	PUNCT
emaj-329	131	1	the	the	DET
emaj-329	131	2	regression	regression	NOUN
emaj-329	131	3	coefficient	coefficient	NOUN
emaj-329	131	4	revealed	reveal	VERB
emaj-329	131	5	that	that	SCONJ
emaj-329	131	6	the	the	DET
emaj-329	131	7	value	value	NOUN
emaj-329	131	8	of	of	ADP
emaj-329	131	9	pos	pos	NOUN
emaj-329	131	10	transaction	transaction	NOUN
emaj-329	131	11	is	be	AUX
emaj-329	131	12	positively	positively	ADV
emaj-329	131	13	associated	associate	VERB
emaj-329	131	14	with	with	ADP
emaj-329	131	15	gross	gross	ADJ
emaj-329	131	16	domestic	domestic	ADJ
emaj-329	131	17	product	product	NOUN
emaj-329	131	18	(	(	PUNCT
emaj-329	131	19	gdp	gdp	NOUN
emaj-329	131	20	)	)	PUNCT
emaj-329	131	21	.	.	PUNCT
emaj-329	132	1	the	the	DET
emaj-329	132	2	implication	implication	NOUN
emaj-329	132	3	is	be	AUX
emaj-329	132	4	that	that	SCONJ
emaj-329	132	5	holding	hold	VERB
emaj-329	132	6	all	all	DET
emaj-329	132	7	other	other	ADJ
emaj-329	132	8	factors	factor	NOUN
emaj-329	132	9	constant	constant	ADJ
emaj-329	132	10	,	,	PUNCT
emaj-329	132	11	an	an	DET
emaj-329	132	12	increase	increase	NOUN
emaj-329	132	13	in	in	ADP
emaj-329	132	14	the	the	DET
emaj-329	132	15	value	value	NOUN
emaj-329	132	16	of	of	ADP
emaj-329	132	17	pos	pos	NOUN
emaj-329	132	18	transaction	transaction	NOUN
emaj-329	132	19	will	will	AUX
emaj-329	132	20	cause	cause	VERB
emaj-329	132	21	an	an	DET
emaj-329	132	22	increase	increase	NOUN
emaj-329	132	23	in	in	ADP
emaj-329	132	24	gdp	gdp	NOUN
emaj-329	132	25	.	.	PUNCT
emaj-329	133	1	similarly	similarly	ADV
emaj-329	133	2	,	,	PUNCT
emaj-329	133	3	the	the	DET
emaj-329	133	4	coefficient	coefficient	NOUN
emaj-329	133	5	for	for	ADP
emaj-329	133	6	web	web	NOUN
emaj-329	133	7	payment	payment	NOUN
emaj-329	133	8	(	(	PUNCT
emaj-329	133	9	wep	wep	PROPN
emaj-329	133	10	)	)	PUNCT
emaj-329	133	11	is	be	AUX
emaj-329	133	12	2.165376	2.165376	NUM
emaj-329	133	13	;	;	PUNCT
emaj-329	133	14	t	t	PROPN
emaj-329	133	15	-	-	PUNCT
emaj-329	133	16	statistic	statistic	NOUN
emaj-329	133	17	is	be	AUX
emaj-329	133	18	5.280732	5.280732	NUM
emaj-329	133	19	with	with	ADP
emaj-329	133	20	a	a	DET
emaj-329	133	21	probability	probability	NOUN
emaj-329	133	22	of	of	ADP
emaj-329	133	23	0.0000	0.0000	NUM
emaj-329	133	24	which	which	PRON
emaj-329	133	25	is	be	AUX
emaj-329	133	26	statistically	statistically	ADV
emaj-329	133	27	significant	significant	ADJ
emaj-329	133	28	at	at	ADP
emaj-329	133	29	5	5	NUM
emaj-329	133	30	percent	percent	NOUN
emaj-329	133	31	of	of	ADP
emaj-329	133	32	significance	significance	NOUN
emaj-329	133	33	indicating	indicate	VERB
emaj-329	133	34	that	that	SCONJ
emaj-329	133	35	the	the	DET
emaj-329	133	36	value	value	NOUN
emaj-329	133	37	of	of	ADP
emaj-329	133	38	wep	wep	PROPN
emaj-329	133	39	transaction	transaction	NOUN
emaj-329	133	40	has	have	VERB
emaj-329	133	41	significant	significant	ADJ
emaj-329	133	42	effect	effect	NOUN
emaj-329	133	43	on	on	ADP
emaj-329	133	44	nigeria	nigeria	PROPN
emaj-329	133	45	economy	economy	NOUN
emaj-329	133	46	.	.	PUNCT
emaj-329	134	1	the	the	DET
emaj-329	134	2	regression	regression	NOUN
emaj-329	134	3	coefficient	coefficient	NOUN
emaj-329	134	4	revealed	reveal	VERB
emaj-329	134	5	that	that	SCONJ
emaj-329	134	6	the	the	DET
emaj-329	134	7	value	value	NOUN
emaj-329	134	8	of	of	ADP
emaj-329	134	9	wep	wep	PROPN
emaj-329	134	10	transaction	transaction	NOUN
emaj-329	134	11	is	be	AUX
emaj-329	134	12	positively	positively	ADV
emaj-329	134	13	associated	associate	VERB
emaj-329	134	14	with	with	ADP
emaj-329	134	15	gross	gross	ADJ
emaj-329	134	16	domestic	domestic	ADJ
emaj-329	134	17	product	product	NOUN
emaj-329	134	18	(	(	PUNCT
emaj-329	134	19	gdp	gdp	NOUN
emaj-329	134	20	)	)	PUNCT
emaj-329	134	21	.	.	PUNCT
emaj-329	135	1	the	the	DET
emaj-329	135	2	implication	implication	NOUN
emaj-329	135	3	is	be	AUX
emaj-329	135	4	that	that	SCONJ
emaj-329	135	5	leaving	leave	VERB
emaj-329	135	6	all	all	DET
emaj-329	135	7	other	other	ADJ
emaj-329	135	8	factors	factor	NOUN
emaj-329	135	9	constant	constant	ADJ
emaj-329	135	10	,	,	PUNCT
emaj-329	135	11	an	an	DET
emaj-329	135	12	increase	increase	NOUN
emaj-329	135	13	in	in	ADP
emaj-329	135	14	the	the	DET
emaj-329	135	15	value	value	NOUN
emaj-329	135	16	of	of	ADP
emaj-329	135	17	wep	wep	PROPN
emaj-329	135	18	transaction	transaction	NOUN
emaj-329	135	19	will	will	AUX
emaj-329	135	20	cause	cause	VERB
emaj-329	135	21	an	an	DET
emaj-329	135	22	increase	increase	NOUN
emaj-329	135	23	in	in	ADP
emaj-329	135	24	gdp	gdp	NOUN
emaj-329	135	25	.	.	PUNCT
emaj-329	136	1	while	while	SCONJ
emaj-329	136	2	the	the	DET
emaj-329	136	3	coefficient	coefficient	NOUN
emaj-329	136	4	for	for	ADP
emaj-329	136	5	nibss	nibss	NOUN
emaj-329	136	6	instant	instant	ADJ
emaj-329	136	7	payment	payment	NOUN
emaj-329	136	8	(	(	PUNCT
emaj-329	136	9	nip	nip	NOUN
emaj-329	136	10	)	)	PUNCT
emaj-329	136	11	is	be	AUX
emaj-329	136	12	2.619884	2.619884	NUM
emaj-329	136	13	,	,	PUNCT
emaj-329	136	14	t	t	NOUN
emaj-329	136	15	-	-	PUNCT
emaj-329	136	16	statistic	statistic	NOUN
emaj-329	136	17	is	be	AUX
emaj-329	136	18	3.129109	3.129109	NUM
emaj-329	136	19	with	with	ADP
emaj-329	136	20	a	a	DET
emaj-329	136	21	probability	probability	NOUN
emaj-329	136	22	of	of	ADP
emaj-329	136	23	0.0034	0.0034	NUM
emaj-329	136	24	which	which	PRON
emaj-329	136	25	is	be	AUX
emaj-329	136	26	statistically	statistically	ADV
emaj-329	136	27	significant	significant	ADJ
emaj-329	136	28	at	at	ADP
emaj-329	136	29	5	5	NUM
emaj-329	136	30	percent	percent	NOUN
emaj-329	136	31	of	of	ADP
emaj-329	136	32	significance	significance	NOUN
emaj-329	136	33	indicating	indicate	VERB
emaj-329	136	34	that	that	SCONJ
emaj-329	136	35	the	the	DET
emaj-329	136	36	value	value	NOUN
emaj-329	136	37	of	of	ADP
emaj-329	136	38	nip	nip	NOUN
emaj-329	136	39	transaction	transaction	NOUN
emaj-329	136	40	has	have	VERB
emaj-329	136	41	significant	significant	ADJ
emaj-329	136	42	effect	effect	NOUN
emaj-329	136	43	on	on	ADP
emaj-329	136	44	nigeria	nigeria	PROPN
emaj-329	136	45	economy	economy	NOUN
emaj-329	136	46	.	.	PUNCT
emaj-329	137	1	the	the	DET
emaj-329	137	2	regression	regression	NOUN
emaj-329	137	3	coefficient	coefficient	NOUN
emaj-329	137	4	revealed	reveal	VERB
emaj-329	137	5	that	that	SCONJ
emaj-329	137	6	the	the	DET
emaj-329	137	7	value	value	NOUN
emaj-329	137	8	of	of	ADP
emaj-329	137	9	nip	nip	NOUN
emaj-329	137	10	transaction	transaction	NOUN
emaj-329	137	11	is	be	AUX
emaj-329	137	12	positively	positively	ADV
emaj-329	137	13	associated	associate	VERB
emaj-329	137	14	with	with	ADP
emaj-329	137	15	gross	gross	ADJ
emaj-329	137	16	domestic	domestic	ADJ
emaj-329	137	17	product	product	NOUN
emaj-329	137	18	(	(	PUNCT
emaj-329	137	19	gdp	gdp	NOUN
emaj-329	137	20	)	)	PUNCT
emaj-329	137	21	.	.	PUNCT
emaj-329	138	1	this	this	PRON
emaj-329	138	2	implies	imply	VERB
emaj-329	138	3	that	that	PRON
emaj-329	138	4	put	put	VERB
emaj-329	138	5	differently	differently	ADV
emaj-329	138	6	,	,	PUNCT
emaj-329	138	7	an	an	DET
emaj-329	138	8	increase	increase	NOUN
emaj-329	138	9	in	in	ADP
emaj-329	138	10	the	the	DET
emaj-329	138	11	value	value	NOUN
emaj-329	138	12	of	of	ADP
emaj-329	138	13	nip	nip	NOUN
emaj-329	138	14	transaction	transaction	NOUN
emaj-329	138	15	will	will	AUX
emaj-329	138	16	cause	cause	VERB
emaj-329	138	17	an	an	DET
emaj-329	138	18	increase	increase	NOUN
emaj-329	138	19	in	in	ADP
emaj-329	138	20	gdp	gdp	NOUN
emaj-329	138	21	.	.	PUNCT
emaj-329	139	1	the	the	DET
emaj-329	139	2	r	r	NOUN
emaj-329	139	3	-	-	PUNCT
emaj-329	139	4	squared	square	VERB
emaj-329	139	5	(	(	PUNCT
emaj-329	139	6	r2	r2	PROPN
emaj-329	139	7	)	)	PUNCT
emaj-329	139	8	0.508200	0.508200	NUM
emaj-329	139	9	revealed	reveal	VERB
emaj-329	139	10	that	that	SCONJ
emaj-329	139	11	about	about	ADV
emaj-329	139	12	50.8	50.8	NUM
emaj-329	139	13	%	%	NOUN
emaj-329	139	14	of	of	ADP
emaj-329	139	15	the	the	DET
emaj-329	139	16	systematic	systematic	ADJ
emaj-329	139	17	variations	variation	NOUN
emaj-329	139	18	in	in	ADP
emaj-329	139	19	gross	gross	ADJ
emaj-329	139	20	domestic	domestic	ADJ
emaj-329	139	21	product	product	NOUN
emaj-329	139	22	(	(	PUNCT
emaj-329	139	23	gdp	gdp	NOUN
emaj-329	139	24	)	)	PUNCT
emaj-329	139	25	is	be	AUX
emaj-329	139	26	jointly	jointly	ADV
emaj-329	139	27	explained	explain	VERB
emaj-329	139	28	by	by	ADP
emaj-329	139	29	the	the	DET
emaj-329	139	30	value	value	NOUN
emaj-329	139	31	of	of	ADP
emaj-329	139	32	atm	atm	PROPN
emaj-329	139	33	transaction	transaction	NOUN
emaj-329	139	34	,	,	PUNCT
emaj-329	139	35	value	value	NOUN
emaj-329	139	36	of	of	ADP
emaj-329	139	37	pos	pos	NOUN
emaj-329	139	38	transaction	transaction	NOUN
emaj-329	139	39	,	,	PUNCT
emaj-329	139	40	value	value	NOUN
emaj-329	139	41	of	of	ADP
emaj-329	139	42	wep	wep	PROPN
emaj-329	139	43	transaction	transaction	NOUN
emaj-329	139	44	and	and	CCONJ
emaj-329	139	45	nip	nip	NOUN
emaj-329	139	46	transaction	transaction	NOUN
emaj-329	139	47	all	all	DET
emaj-329	139	48	influence	influence	VERB
emaj-329	139	49	economic	economic	ADJ
emaj-329	139	50	growth	growth	NOUN
emaj-329	139	51	and	and	CCONJ
emaj-329	139	52	sustainable	sustainable	ADJ
emaj-329	139	53	development	development	NOUN
emaj-329	139	54	.	.	PUNCT
emaj-329	140	1	vii	vii	PROPN
emaj-329	140	2	.	.	PROPN
emaj-329	140	3	conclusion	conclusion	NOUN
emaj-329	140	4	and	and	CCONJ
emaj-329	140	5	recommendations	recommendation	NOUN
emaj-329	140	6	the	the	DET
emaj-329	140	7	research	research	NOUN
emaj-329	140	8	study	study	NOUN
emaj-329	140	9	showed	show	VERB
emaj-329	140	10	that	that	SCONJ
emaj-329	140	11	financial	financial	ADJ
emaj-329	140	12	innovations	innovation	NOUN
emaj-329	140	13	have	have	VERB
emaj-329	140	14	significant	significant	ADJ
emaj-329	140	15	effects	effect	NOUN
emaj-329	140	16	on	on	ADP
emaj-329	140	17	economic	economic	ADJ
emaj-329	140	18	growth	growth	NOUN
emaj-329	140	19	and	and	CCONJ
emaj-329	140	20	sustainable	sustainable	ADJ
emaj-329	140	21	development	development	NOUN
emaj-329	140	22	in	in	ADP
emaj-329	140	23	nigeria	nigeria	PROPN
emaj-329	140	24	.	.	PUNCT
emaj-329	141	1	the	the	DET
emaj-329	141	2	research	research	NOUN
emaj-329	141	3	has	have	AUX
emaj-329	141	4	shown	show	VERB
emaj-329	141	5	that	that	SCONJ
emaj-329	141	6	all	all	DET
emaj-329	141	7	the	the	DET
emaj-329	141	8	other	other	ADJ
emaj-329	141	9	variables	variable	NOUN
emaj-329	141	10	had	have	VERB
emaj-329	141	11	a	a	DET
emaj-329	141	12	considerable	considerable	ADJ
emaj-329	141	13	effect	effect	NOUN
emaj-329	141	14	on	on	ADP
emaj-329	141	15	the	the	DET
emaj-329	141	16	explanation	explanation	NOUN
emaj-329	141	17	of	of	ADP
emaj-329	141	18	the	the	DET
emaj-329	141	19	economic	economic	ADJ
emaj-329	141	20	growth	growth	NOUN
emaj-329	141	21	and	and	CCONJ
emaj-329	141	22	the	the	DET
emaj-329	141	23	sustainable	sustainable	ADJ
emaj-329	141	24	development	development	NOUN
emaj-329	141	25	in	in	ADP
emaj-329	141	26	nigeria	nigeria	PROPN
emaj-329	141	27	.	.	PUNCT
emaj-329	142	1	regarding	regard	VERB
emaj-329	142	2	the	the	DET
emaj-329	142	3	way	way	NOUN
emaj-329	142	4	in	in	ADP
emaj-329	142	5	which	which	PRON
emaj-329	142	6	financial	financial	ADJ
emaj-329	142	7	innovation	innovation	NOUN
emaj-329	142	8	factors	factor	NOUN
emaj-329	142	9	impact	impact	VERB
emaj-329	142	10	the	the	DET
emaj-329	142	11	development	development	NOUN
emaj-329	142	12	of	of	ADP
emaj-329	142	13	nigeria	nigeria	PROPN
emaj-329	142	14	,	,	PUNCT
emaj-329	142	15	the	the	DET
emaj-329	142	16	policymakers	policymaker	NOUN
emaj-329	142	17	should	should	AUX
emaj-329	142	18	consider	consider	VERB
emaj-329	142	19	a	a	DET
emaj-329	142	20	link	link	NOUN
emaj-329	142	21	between	between	ADP
emaj-329	142	22	institutional	institutional	ADJ
emaj-329	142	23	innovations	innovation	NOUN
emaj-329	142	24	and	and	CCONJ
emaj-329	142	25	economic	economic	ADJ
emaj-329	142	26	growth	growth	NOUN
emaj-329	142	27	while	while	SCONJ
emaj-329	142	28	developing	develop	VERB
emaj-329	142	29	economic	economic	ADJ
emaj-329	142	30	policies	policy	NOUN
emaj-329	142	31	.	.	PUNCT
emaj-329	143	1	the	the	DET
emaj-329	143	2	policy	policy	NOUN
emaj-329	143	3	should	should	AUX
emaj-329	143	4	facilitate	facilitate	VERB
emaj-329	143	5	the	the	DET
emaj-329	143	6	financial	financial	ADJ
emaj-329	143	7	sectors	sector	NOUN
emaj-329	143	8	development	development	NOUN
emaj-329	143	9	in	in	ADP
emaj-329	143	10	due	due	ADJ
emaj-329	143	11	time	time	NOUN
emaj-329	143	12	by	by	ADP
emaj-329	143	13	providing	provide	VERB
emaj-329	143	14	room	room	NOUN
emaj-329	143	15	for	for	ADP
emaj-329	143	16	financial	financial	ADJ
emaj-329	143	17	innovation	innovation	NOUN
emaj-329	143	18	for	for	ADP
emaj-329	143	19	the	the	DET
emaj-329	143	20	improvement	improvement	NOUN
emaj-329	143	21	and	and	CCONJ
emaj-329	143	22	development	development	NOUN
emaj-329	143	23	of	of	ADP
emaj-329	143	24	the	the	DET
emaj-329	143	25	financial	financial	ADJ
emaj-329	143	26	sector	sector	NOUN
emaj-329	143	27	.	.	PUNCT
emaj-329	144	1	the	the	DET
emaj-329	144	2	financial	financial	ADJ
emaj-329	144	3	sector	sector	NOUN
emaj-329	144	4	and	and	CCONJ
emaj-329	144	5	government	government	NOUN
emaj-329	144	6	should	should	AUX
emaj-329	144	7	partner	partner	VERB
emaj-329	144	8	closely	closely	ADV
emaj-329	144	9	with	with	ADP
emaj-329	144	10	ict	ict	NOUN
emaj-329	144	11	sector	sector	NOUN
emaj-329	144	12	to	to	PART
emaj-329	144	13	provide	provide	VERB
emaj-329	144	14	safe	safe	ADJ
emaj-329	144	15	transactions	transaction	NOUN
emaj-329	144	16	whatever	whatever	PRON
emaj-329	144	17	the	the	DET
emaj-329	144	18	platform	platform	NOUN
emaj-329	144	19	,	,	PUNCT
emaj-329	144	20	channel	channel	NOUN
emaj-329	144	21	or	or	CCONJ
emaj-329	144	22	medium	medium	NOUN
emaj-329	144	23	is	be	AUX
emaj-329	144	24	.	.	PUNCT
emaj-329	145	1	regulatory	regulatory	ADJ
emaj-329	145	2	bodies	body	NOUN
emaj-329	145	3	should	should	AUX
emaj-329	145	4	enforce	enforce	VERB
emaj-329	145	5	dexterous	dexterous	ADJ
emaj-329	145	6	innovative	innovative	ADJ
emaj-329	145	7	ideas	idea	NOUN
emaj-329	145	8	and	and	CCONJ
emaj-329	145	9	build	build	VERB
emaj-329	145	10	a	a	DET
emaj-329	145	11	legal	legal	ADJ
emaj-329	145	12	and	and	CCONJ
emaj-329	145	13	regulatory	regulatory	ADJ
emaj-329	145	14	framework	framework	NOUN
emaj-329	145	15	that	that	PRON
emaj-329	145	16	will	will	AUX
emaj-329	145	17	stimulate	stimulate	VERB
emaj-329	145	18	the	the	DET
emaj-329	145	19	private	private	ADJ
emaj-329	145	20	sector	sector	NOUN
emaj-329	145	21	to	to	PART
emaj-329	145	22	come	come	VERB
emaj-329	145	23	up	up	ADP
emaj-329	145	24	with	with	ADP
emaj-329	145	25	inventive	inventive	ADJ
emaj-329	145	26	solutions	solution	NOUN
emaj-329	145	27	.	.	PUNCT
emaj-329	146	1	the	the	DET
emaj-329	146	2	government	government	NOUN
emaj-329	146	3	should	should	AUX
emaj-329	146	4	go	go	VERB
emaj-329	146	5	the	the	DET
emaj-329	146	6	extra	extra	ADJ
emaj-329	146	7	step	step	NOUN
emaj-329	146	8	to	to	PART
emaj-329	146	9	ensure	ensure	VERB
emaj-329	146	10	development	development	NOUN
emaj-329	146	11	of	of	ADP
emaj-329	146	12	new	new	ADJ
emaj-329	146	13	financial	financial	ADJ
emaj-329	146	14	innovative	innovative	ADJ
emaj-329	146	15	structures	structure	NOUN
emaj-329	146	16	in	in	ADP
emaj-329	146	17	addition	addition	NOUN
emaj-329	146	18	to	to	ADP
emaj-329	146	19	improving	improve	VERB
emaj-329	146	20	the	the	DET
emaj-329	146	21	existing	exist	VERB
emaj-329	146	22	ones	one	NOUN
emaj-329	146	23	,	,	PUNCT
emaj-329	146	24	especially	especially	ADV
emaj-329	146	25	point	point	NOUN
emaj-329	146	26	-	-	PUNCT
emaj-329	146	27	of	of	ADP
emaj-329	146	28	-	-	PUNCT
emaj-329	146	29	sale	sale	NOUN
emaj-329	146	30	(	(	PUNCT
emaj-329	146	31	pos	pos	NOUN
emaj-329	146	32	)	)	PUNCT
emaj-329	146	33	and	and	CCONJ
emaj-329	146	34	web	web	NOUN
emaj-329	146	35	structures	structure	NOUN
emaj-329	146	36	to	to	PART
emaj-329	146	37	have	have	VERB
emaj-329	146	38	a	a	DET
emaj-329	146	39	convenient	convenient	ADJ
emaj-329	146	40	and	and	CCONJ
emaj-329	146	41	secure	secure	ADJ
emaj-329	146	42	access	access	NOUN
emaj-329	146	43	to	to	ADP
emaj-329	146	44	financial	financial	ADJ
emaj-329	146	45	services	service	NOUN
emaj-329	146	46	.	.	PUNCT
emaj-329	147	1	this	this	PRON
emaj-329	147	2	would	would	AUX
emaj-329	147	3	also	also	ADV
emaj-329	147	4	enhance	enhance	VERB
emaj-329	147	5	financial	financial	ADJ
emaj-329	147	6	deepening	deepening	NOUN
emaj-329	147	7	and	and	CCONJ
emaj-329	147	8	promote	promote	VERB
emaj-329	147	9	financial	financial	ADJ
emaj-329	147	10	inclusion	inclusion	NOUN
emaj-329	147	11	.	.	PUNCT
emaj-329	148	1	the	the	DET
emaj-329	148	2	cbn	cbn	PROPN
emaj-329	148	3	should	should	AUX
emaj-329	148	4	enhance	enhance	VERB
emaj-329	148	5	its	its	PRON
emaj-329	148	6	efforts	effort	NOUN
emaj-329	148	7	to	to	PART
emaj-329	148	8	promote	promote	VERB
emaj-329	148	9	financial	financial	ADJ
emaj-329	148	10	education	education	NOUN
emaj-329	148	11	via	via	ADP
emaj-329	148	12	its	its	PRON
emaj-329	148	13	e	e	NOUN
emaj-329	148	14	-	-	ADJ
emaj-329	148	15	learning	learning	ADJ
emaj-329	148	16	platform	platform	NOUN
emaj-329	148	17	,	,	PUNCT
emaj-329	148	18	while	while	SCONJ
emaj-329	148	19	financial	financial	ADJ
emaj-329	148	20	institutions	institution	NOUN
emaj-329	148	21	should	should	AUX
emaj-329	148	22	raise	raise	VERB
emaj-329	148	23	awareness	awareness	NOUN
emaj-329	148	24	among	among	ADP
emaj-329	148	25	the	the	DET
emaj-329	148	26	public	public	NOUN
emaj-329	148	27	regarding	regard	VERB
emaj-329	148	28	the	the	DET
emaj-329	148	29	utilization	utilization	NOUN
emaj-329	148	30	of	of	ADP
emaj-329	148	31	many	many	ADJ
emaj-329	148	32	financial	financial	ADJ
emaj-329	148	33	innovation	innovation	NOUN
emaj-329	148	34	channels	channel	NOUN
emaj-329	148	35	in	in	ADP
emaj-329	148	36	order	order	NOUN
emaj-329	148	37	to	to	PART
emaj-329	148	38	enhance	enhance	VERB
emaj-329	148	39	financial	financial	ADJ
emaj-329	148	40	literacy	literacy	NOUN
emaj-329	148	41	.	.	PUNCT
emaj-329	149	1	finally	finally	ADV
emaj-329	149	2	,	,	PUNCT
emaj-329	149	3	there	there	PRON
emaj-329	149	4	is	be	VERB
emaj-329	149	5	a	a	DET
emaj-329	149	6	need	need	NOUN
emaj-329	149	7	to	to	PART
emaj-329	149	8	improve	improve	VERB
emaj-329	149	9	process	process	NOUN
emaj-329	149	10	innovation	innovation	NOUN
emaj-329	149	11	such	such	ADJ
emaj-329	149	12	as	as	ADP
emaj-329	149	13	atm	atm	ADJ
emaj-329	149	14	,	,	PUNCT
emaj-329	149	15	online	online	ADJ
emaj-329	149	16	banking	banking	NOUN
emaj-329	149	17	and	and	CCONJ
emaj-329	149	18	mobile	mobile	NOUN
emaj-329	149	19	banking	banking	NOUN
emaj-329	149	20	to	to	PART
emaj-329	149	21	enhance	enhance	VERB
emaj-329	149	22	efficiency	efficiency	NOUN
emaj-329	149	23	,	,	PUNCT
emaj-329	149	24	encourage	encourage	VERB
emaj-329	149	25	product	product	NOUN
emaj-329	149	26	innovation	innovation	NOUN
emaj-329	149	27	such	such	ADJ
emaj-329	149	28	as	as	ADP
emaj-329	149	29	derivatives	derivative	NOUN
emaj-329	149	30	and	and	CCONJ
emaj-329	149	31	currency	currency	NOUN
emaj-329	149	32	swap	swap	NOUN
emaj-329	149	33	,	,	PUNCT
emaj-329	149	34	improve	improve	VERB
emaj-329	149	35	financial	financial	ADJ
emaj-329	149	36	system	system	NOUN
emaj-329	149	37	innovation	innovation	NOUN
emaj-329	149	38	such	such	ADJ
emaj-329	149	39	as	as	ADP
emaj-329	149	40	changes	change	NOUN
emaj-329	149	41	in	in	ADP
emaj-329	149	42	structure	structure	NOUN
emaj-329	149	43	or	or	CCONJ
emaj-329	149	44	legal	legal	ADJ
emaj-329	149	45	and	and	CCONJ
emaj-329	149	46	regulatory	regulatory	ADJ
emaj-329	149	47	framework	framework	NOUN
emaj-329	149	48	and	and	CCONJ
emaj-329	149	49	introduce	introduce	VERB
emaj-329	149	50	more	more	ADJ
emaj-329	149	51	financial	financial	ADJ
emaj-329	149	52	institution	institution	NOUN
emaj-329	149	53	innovation	innovation	NOUN
emaj-329	149	54	by	by	ADP
emaj-329	149	55	creating	create	VERB
emaj-329	149	56	new	new	ADJ
emaj-329	149	57	types	type	NOUN
emaj-329	149	58	financial	financial	ADJ
emaj-329	149	59	firms	firm	NOUN
emaj-329	149	60	.	.	PUNCT
emaj-329	150	1	these	these	PRON
emaj-329	150	2	will	will	AUX
emaj-329	150	3	eventually	eventually	ADV
emaj-329	150	4	improve	improve	VERB
emaj-329	150	5	trust	trust	NOUN
emaj-329	150	6	of	of	ADP
emaj-329	150	7	the	the	DET
emaj-329	150	8	users	user	NOUN
emaj-329	150	9	,	,	PUNCT
emaj-329	150	10	innovative	innovative	ADJ
emaj-329	150	11	solutions	solution	NOUN
emaj-329	150	12	,	,	PUNCT
emaj-329	150	13	speed	speed	NOUN
emaj-329	150	14	of	of	ADP
emaj-329	150	15	transactions	transaction	NOUN
emaj-329	150	16	and	and	CCONJ
emaj-329	150	17	ease	ease	NOUN
emaj-329	150	18	of	of	ADP
emaj-329	150	19	payments	payment	NOUN
emaj-329	150	20	needed	need	VERB
emaj-329	150	21	for	for	ADP
emaj-329	150	22	economic	economic	ADJ
emaj-329	150	23	growth	growth	NOUN
emaj-329	150	24	and	and	CCONJ
emaj-329	150	25	sustainable	sustainable	ADJ
emaj-329	150	26	development	development	NOUN
emaj-329	150	27	.	.	PUNCT
emaj-329	151	1	references	reference	NOUN
emaj-329	151	2	adedokun	adedokun	NOUN
emaj-329	151	3	,	,	PUNCT
emaj-329	151	4	m.	m.	PROPN
emaj-329	151	5	w.	w.	PROPN
emaj-329	151	6	,	,	PUNCT
emaj-329	151	7	ağa	ağa	PROPN
emaj-329	151	8	,	,	PUNCT
emaj-329	151	9	m.	m.	NOUN
emaj-329	151	10	(	(	PUNCT
emaj-329	151	11	2023	2023	NUM
emaj-329	151	12	)	)	PUNCT
emaj-329	151	13	.	.	PUNCT
emaj-329	152	1	financial	financial	ADJ
emaj-329	152	2	inclusion	inclusion	NOUN
emaj-329	152	3	:	:	PUNCT
emaj-329	152	4	a	a	DET
emaj-329	152	5	pathway	pathway	NOUN
emaj-329	152	6	to	to	ADP
emaj-329	152	7	economic	economic	ADJ
emaj-329	152	8	growth	growth	NOUN
emaj-329	152	9	in	in	ADP
emaj-329	152	10	sub‐saharan	sub‐saharan	VERB
emaj-329	152	11	african	african	ADJ
emaj-329	152	12	economies	economy	NOUN
emaj-329	152	13	.	.	PUNCT
emaj-329	153	1	international	international	ADJ
emaj-329	153	2	journal	journal	PROPN
emaj-329	153	3	of	of	ADP
emaj-329	153	4	finance	finance	PROPN
emaj-329	153	5	&	&	CCONJ
emaj-329	153	6	economics	economic	NOUN
emaj-329	153	7	,	,	PUNCT
emaj-329	153	8	28	28	NUM
emaj-329	153	9	(	(	PUNCT
emaj-329	153	10	3	3	NUM
emaj-329	153	11	)	)	PUNCT
emaj-329	153	12	,	,	PUNCT
emaj-329	153	13	2712	2712	NUM
emaj-329	153	14	-	-	SYM
emaj-329	153	15	2728	2728	NUM
emaj-329	153	16	.	.	PUNCT
emaj-329	154	1	adeniyi	adeniyi	ADV
emaj-329	154	2	,	,	PUNCT
emaj-329	154	3	o.	o.	PROPN
emaj-329	154	4	,	,	PUNCT
emaj-329	154	5	oyinlola	oyinlola	PROPN
emaj-329	154	6	,	,	PUNCT
emaj-329	154	7	a.	a.	NOUN
emaj-329	154	8	,	,	PUNCT
emaj-329	154	9	omisakin	omisakin	ADJ
emaj-329	154	10	,	,	PUNCT
emaj-329	154	11	o.	o.	NOUN
emaj-329	154	12	,	,	PUNCT
emaj-329	154	13	egwaikhide	egwaikhide	PROPN
emaj-329	154	14	,	,	PUNCT
emaj-329	154	15	f.	f.	PROPN
emaj-329	154	16	o.	o.	PROPN
emaj-329	154	17	(	(	PUNCT
emaj-329	154	18	2015	2015	NUM
emaj-329	154	19	)	)	PUNCT
emaj-329	154	20	.	.	PUNCT
emaj-329	155	1	financial	financial	ADJ
emaj-329	155	2	development	development	NOUN
emaj-329	155	3	and	and	CCONJ
emaj-329	155	4	economic	economic	ADJ
emaj-329	155	5	growth	growth	NOUN
emaj-329	155	6	in	in	ADP
emaj-329	155	7	nigeria	nigeria	PROPN
emaj-329	155	8	:	:	PUNCT
emaj-329	155	9	evidence	evidence	NOUN
emaj-329	155	10	from	from	ADP
emaj-329	155	11	threshold	threshold	NOUN
emaj-329	155	12	modeling	modeling	NOUN
emaj-329	155	13	.	.	PUNCT
emaj-329	156	1	economic	economic	ADJ
emaj-329	156	2	analysis	analysis	NOUN
emaj-329	156	3	and	and	CCONJ
emaj-329	156	4	policy	policy	NOUN
emaj-329	156	5	,	,	PUNCT
emaj-329	156	6	47(5	47(5	NOUN
emaj-329	156	7	)	)	PUNCT
emaj-329	156	8	,	,	PUNCT
emaj-329	156	9	11	11	NUM
emaj-329	156	10	-	-	SYM
emaj-329	156	11	21	21	NUM
emaj-329	156	12	.	.	PUNCT
emaj-329	157	1	adesete	adesete	ADV
emaj-329	157	2	,	,	PUNCT
emaj-329	157	3	a.	a.	PROPN
emaj-329	157	4	,	,	PUNCT
emaj-329	157	5	mohammed	mohammed	PROPN
emaj-329	157	6	,	,	PUNCT
emaj-329	157	7	a.	a.	NOUN
emaj-329	157	8	a.	a.	PROPN
emaj-329	157	9	,	,	PUNCT
emaj-329	157	10	risikat	risikat	PROPN
emaj-329	157	11	,	,	PUNCT
emaj-329	157	12	d.	d.	PROPN
emaj-329	157	13	o.	o.	PROPN
emaj-329	157	14	(	(	PUNCT
emaj-329	157	15	2021	2021	NUM
emaj-329	157	16	)	)	PUNCT
emaj-329	157	17	.	.	PUNCT
emaj-329	158	1	financial	financial	ADJ
emaj-329	158	2	innovation	innovation	NOUN
emaj-329	158	3	and	and	CCONJ
emaj-329	158	4	economic	economic	ADJ
emaj-329	158	5	growth	growth	NOUN
emaj-329	158	6	:	:	PUNCT
emaj-329	158	7	empirical	empirical	ADJ
emaj-329	158	8	evidence	evidence	NOUN
emaj-329	158	9	from	from	ADP
emaj-329	158	10	nigeria	nigeria	PROPN
emaj-329	158	11	.	.	PUNCT
emaj-329	159	1	euro	euro	PROPN
emaj-329	159	2	economica	economica	PROPN
emaj-329	159	3	,	,	PUNCT
emaj-329	159	4	40	40	NUM
emaj-329	159	5	(	(	PUNCT
emaj-329	159	6	1	1	NUM
emaj-329	159	7	)	)	PUNCT
emaj-329	159	8	,	,	PUNCT
emaj-329	159	9	56	56	NUM
emaj-329	159	10	-	-	SYM
emaj-329	159	11	68	68	NUM
emaj-329	159	12	.	.	PUNCT
emaj-329	160	1	ahassan	ahassan	PROPN
emaj-329	160	2	,	,	PUNCT
emaj-329	160	3	k	k	PROPN
emaj-329	160	4	t.	t.	PROPN
emaj-329	160	5	f.	f.	PROPN
emaj-329	160	6	,	,	PUNCT
emaj-329	160	7	blokhina	blokhina	PROPN
emaj-329	160	8	,	,	PUNCT
emaj-329	160	9	t.	t.	PROPN
emaj-329	160	10	,	,	PUNCT
emaj-329	160	11	kouadio	kouadio	NOUN
emaj-329	160	12	,	,	PUNCT
emaj-329	160	13	j.	j.	PROPN
emaj-329	160	14	a.	a.	PROPN
emaj-329	160	15	(	(	PUNCT
emaj-329	160	16	2021	2021	NUM
emaj-329	160	17	)	)	PUNCT
emaj-329	160	18	.	.	PUNCT
emaj-329	161	1	financial	financial	ADJ
emaj-329	161	2	innovation	innovation	NOUN
emaj-329	161	3	:	:	PUNCT
emaj-329	161	4	the	the	DET
emaj-329	161	5	impact	impact	NOUN
emaj-329	161	6	of	of	ADP
emaj-329	161	7	mobile	mobile	ADJ
emaj-329	161	8	money	money	NOUN
emaj-329	161	9	on	on	ADP
emaj-329	161	10	innovative	innovative	ADJ
emaj-329	161	11	economic	economic	ADJ
emaj-329	161	12	growth	growth	NOUN
emaj-329	161	13	.	.	PUNCT
emaj-329	162	1	in	in	ADP
emaj-329	162	2	proceeding	proceeding	NOUN
emaj-329	162	3	of	of	ADP
emaj-329	162	4	the	the	DET
emaj-329	162	5	international	international	ADJ
emaj-329	162	6	science	science	NOUN
emaj-329	162	7	and	and	CCONJ
emaj-329	162	8	technology	technology	NOUN
emaj-329	162	9	conference	conference	NOUN
emaj-329	162	10	"	"	PUNCT
emaj-329	162	11	fareastсon	fareastсon	NOUN
emaj-329	162	12	2020	2020	NUM
emaj-329	162	13	"	"	PUNCT
emaj-329	162	14	october	october	PROPN
emaj-329	162	15	2020	2020	NUM
emaj-329	162	16	,	,	PUNCT
emaj-329	162	17	eastern	eastern	ADJ
emaj-329	162	18	federal	federal	PROPN
emaj-329	162	19	university	university	PROPN
emaj-329	162	20	(	(	PUNCT
emaj-329	162	21	pp	pp	ADJ
emaj-329	162	22	.	.	PUNCT
emaj-329	162	23	27	27	NUM
emaj-329	162	24	-	-	SYM
emaj-329	162	25	38	38	NUM
emaj-329	162	26	)	)	PUNCT
emaj-329	162	27	.	.	PUNCT
emaj-329	163	1	springer	springer	PROPN
emaj-329	163	2	singapore	singapore	PROPN
emaj-329	163	3	.	.	PUNCT
emaj-329	164	1	ahmed	ahmed	PROPN
emaj-329	164	2	,	,	PUNCT
emaj-329	164	3	a.	a.	PROPN
emaj-329	164	4	z.	z.	PROPN
emaj-329	164	5	,	,	PUNCT
emaj-329	164	6	chen	chen	PROPN
emaj-329	164	7	,	,	PUNCT
emaj-329	164	8	s.	s.	PROPN
emaj-329	164	9	,	,	PUNCT
emaj-329	164	10	adebayo	adebayo	PROPN
emaj-329	164	11	,	,	PUNCT
emaj-329	164	12	t.	t.	PROPN
emaj-329	164	13	s.	s.	PROPN
emaj-329	164	14	,	,	PUNCT
emaj-329	164	15	kirikkaleli	kirikkaleli	PROPN
emaj-329	164	16	,	,	PUNCT
emaj-329	164	17	d.	d.	PROPN
emaj-329	164	18	(	(	PUNCT
emaj-329	164	19	2021	2021	NUM
emaj-329	164	20	)	)	PUNCT
emaj-329	164	21	.	.	PUNCT
emaj-329	165	1	linking	link	VERB
emaj-329	165	2	financial	financial	ADJ
emaj-329	165	3	development	development	NOUN
emaj-329	165	4	,	,	PUNCT
emaj-329	165	5	economic	economic	ADJ
emaj-329	165	6	growth	growth	NOUN
emaj-329	165	7	,	,	PUNCT
emaj-329	165	8	and	and	CCONJ
emaj-329	165	9	ecological	ecological	ADJ
emaj-329	165	10	footprint	footprint	NOUN
emaj-329	165	11	:	:	PUNCT
emaj-329	165	12	what	what	PRON
emaj-329	165	13	is	be	AUX
emaj-329	165	14	the	the	DET
emaj-329	165	15	role	role	NOUN
emaj-329	165	16	of	of	ADP
emaj-329	165	17	technological	technological	ADJ
emaj-329	165	18	innovation	innovation	NOUN
emaj-329	165	19	?	?	PUNCT
emaj-329	165	20	.	.	PUNCT
emaj-329	166	1	environmental	environmental	ADJ
emaj-329	166	2	science	science	NOUN
emaj-329	166	3	and	and	CCONJ
emaj-329	166	4	pollution	pollution	NOUN
emaj-329	166	5	research	research	NOUN
emaj-329	166	6	,	,	PUNCT
emaj-329	166	7	28(43	28(43	NUM
emaj-329	166	8	)	)	PUNCT
emaj-329	166	9	,	,	PUNCT
emaj-329	166	10	61235	61235	NUM
emaj-329	166	11	-	-	SYM
emaj-329	166	12	61245	61245	NUM
emaj-329	166	13	.	.	PUNCT
emaj-329	167	1	ajide	ajide	ADV
emaj-329	167	2	,	,	PUNCT
emaj-329	167	3	f.	f.	PROPN
emaj-329	167	4	m.	m.	PROPN
emaj-329	167	5	(	(	PUNCT
emaj-329	167	6	2016	2016	NUM
emaj-329	167	7	)	)	PUNCT
emaj-329	167	8	.	.	PUNCT
emaj-329	168	1	financial	financial	ADJ
emaj-329	168	2	innovation	innovation	NOUN
emaj-329	168	3	and	and	CCONJ
emaj-329	168	4	sustainable	sustainable	ADJ
emaj-329	168	5	development	development	NOUN
emaj-329	168	6	in	in	ADP
emaj-329	168	7	selected	select	VERB
emaj-329	168	8	countries	country	NOUN
emaj-329	168	9	in	in	ADP
emaj-329	168	10	west	west	PROPN
emaj-329	168	11	africa	africa	PROPN
emaj-329	168	12	,	,	PUNCT
emaj-329	168	13	journal	journal	NOUN
emaj-329	168	14	of	of	ADP
emaj-329	168	15	entrepreneurship	entrepreneurship	NOUN
emaj-329	168	16	,	,	PUNCT
emaj-329	168	17	management	management	NOUN
emaj-329	168	18	and	and	CCONJ
emaj-329	168	19	innovation	innovation	NOUN
emaj-329	168	20	,	,	PUNCT
emaj-329	168	21	12(3	12(3	NUM
emaj-329	168	22	)	)	PUNCT
emaj-329	168	23	,	,	PUNCT
emaj-329	168	24	85	85	NUM
emaj-329	168	25	-	-	SYM
emaj-329	168	26	111	111	NUM
emaj-329	168	27	.	.	PUNCT
emaj-329	169	1	akinwunmi	akinwunmi	PROPN
emaj-329	169	2	,	,	PUNCT
emaj-329	169	3	l.a	l.a	PROPN
emaj-329	169	4	.	.	PROPN
emaj-329	169	5	,	,	PUNCT
emaj-329	169	6	mutiri	mutiri	PROPN
emaj-329	169	7	,	,	PUNCT
emaj-329	169	8	n.	n.	NOUN
emaj-329	169	9	,	,	PUNCT
emaj-329	169	10	ngumi	ngumi	NOUN
emaj-329	169	11	,	,	PUNCT
emaj-329	169	12	p.	p.	NOUN
emaj-329	169	13	(	(	PUNCT
emaj-329	169	14	2016	2016	NUM
emaj-329	169	15	)	)	PUNCT
emaj-329	169	16	.	.	PUNCT
emaj-329	170	1	financial	financial	ADJ
emaj-329	170	2	incentives	incentive	NOUN
emaj-329	170	3	and	and	CCONJ
emaj-329	170	4	innovation	innovation	NOUN
emaj-329	170	5	adoption	adoption	NOUN
emaj-329	170	6	in	in	ADP
emaj-329	170	7	nigeria	nigeria	PROPN
emaj-329	170	8	,	,	PUNCT
emaj-329	170	9	pyrex	pyrex	PROPN
emaj-329	170	10	journal	journal	PROPN
emaj-329	170	11	of	of	ADP
emaj-329	170	12	business	business	NOUN
emaj-329	170	13	and	and	CCONJ
emaj-329	170	14	finance	finance	NOUN
emaj-329	170	15	management	management	NOUN
emaj-329	170	16	research	research	NOUN
emaj-329	170	17	,	,	PUNCT
emaj-329	170	18	2(4	2(4	NUM
emaj-329	170	19	)	)	PUNCT
emaj-329	170	20	,	,	PUNCT
emaj-329	170	21	25	25	NUM
emaj-329	170	22	-	-	SYM
emaj-329	170	23	34	34	NUM
emaj-329	170	24	.	.	PUNCT
emaj-329	171	1	alawi	alawi	PROPN
emaj-329	171	2	,	,	PUNCT
emaj-329	171	3	s.	s.	PROPN
emaj-329	171	4	m.	m.	PROPN
emaj-329	171	5	,	,	PUNCT
emaj-329	171	6	abbassi	abbassi	PROPN
emaj-329	171	7	,	,	PUNCT
emaj-329	171	8	w.	w.	PROPN
emaj-329	171	9	,	,	PUNCT
emaj-329	171	10	saqib	saqib	PROPN
emaj-329	171	11	,	,	PUNCT
emaj-329	171	12	r.	r.	PROPN
emaj-329	171	13	,	,	PUNCT
emaj-329	171	14	sharif	sharif	PROPN
emaj-329	171	15	,	,	PUNCT
emaj-329	171	16	m.	m.	NOUN
emaj-329	171	17	(	(	PUNCT
emaj-329	171	18	2022	2022	NUM
emaj-329	171	19	)	)	PUNCT
emaj-329	171	20	.	.	PUNCT
emaj-329	172	1	impact	impact	NOUN
emaj-329	172	2	of	of	ADP
emaj-329	172	3	financial	financial	ADJ
emaj-329	172	4	innovation	innovation	NOUN
emaj-329	172	5	and	and	CCONJ
emaj-329	172	6	institutional	institutional	ADJ
emaj-329	172	7	quality	quality	NOUN
emaj-329	172	8	on	on	ADP
emaj-329	172	9	financial	financial	ADJ
emaj-329	172	10	development	development	NOUN
emaj-329	172	11	in	in	ADP
emaj-329	172	12	emerging	emerge	VERB
emaj-329	172	13	markets	market	NOUN
emaj-329	172	14	.	.	PUNCT
emaj-329	173	1	journal	journal	NOUN
emaj-329	173	2	of	of	ADP
emaj-329	173	3	risk	risk	NOUN
emaj-329	173	4	and	and	CCONJ
emaj-329	173	5	financial	financial	ADJ
emaj-329	173	6	management	management	NOUN
emaj-329	173	7	,	,	PUNCT
emaj-329	173	8	15(3	15(3	NUM
emaj-329	173	9	)	)	PUNCT
emaj-329	173	10	,	,	PUNCT
emaj-329	173	11	115	115	NUM
emaj-329	173	12	.	.	PUNCT
emaj-329	174	1	amarachi	amarachi	NOUN
emaj-329	174	2	,	,	PUNCT
emaj-329	174	3	a.	a.	NOUN
emaj-329	174	4	c.	c.	PROPN
emaj-329	174	5	(	(	PUNCT
emaj-329	174	6	2023	2023	NUM
emaj-329	174	7	)	)	PUNCT
emaj-329	174	8	.	.	PUNCT
emaj-329	175	1	impact	impact	NOUN
emaj-329	175	2	of	of	ADP
emaj-329	175	3	financial	financial	ADJ
emaj-329	175	4	sector	sector	NOUN
emaj-329	175	5	development	development	NOUN
emaj-329	175	6	on	on	ADP
emaj-329	175	7	economic	economic	ADJ
emaj-329	175	8	growth	growth	NOUN
emaj-329	175	9	in	in	ADP
emaj-329	175	10	nigeria	nigeria	PROPN
emaj-329	175	11	(	(	PUNCT
emaj-329	175	12	1981	1981	NUM
emaj-329	175	13	-	-	SYM
emaj-329	175	14	2021	2021	NUM
emaj-329	175	15	)	)	PUNCT
emaj-329	175	16	.	.	PUNCT
emaj-329	176	1	ulysses	ulysses	PROPN
emaj-329	176	2	international	international	PROPN
emaj-329	176	3	journal	journal	PROPN
emaj-329	176	4	of	of	ADP
emaj-329	176	5	humanities	humanity	NOUN
emaj-329	176	6	and	and	CCONJ
emaj-329	176	7	contemporary	contemporary	ADJ
emaj-329	176	8	studies	study	NOUN
emaj-329	176	9	,	,	PUNCT
emaj-329	176	10	4(1	4(1	NOUN
emaj-329	176	11	)	)	PUNCT
emaj-329	176	12	,	,	PUNCT
emaj-329	176	13	60	60	NUM
emaj-329	176	14	-	-	SYM
emaj-329	176	15	88	88	NUM
emaj-329	176	16	.	.	PUNCT
emaj-329	177	1	volume	volume	NOUN
emaj-329	177	2	14	14	NUM
emaj-329	178	1	no	no	DET
emaj-329	178	2	1	1	NUM
emaj-329	178	3	(	(	PUNCT
emaj-329	178	4	2024	2024	NUM
emaj-329	178	5	)	)	PUNCT
emaj-329	178	6	|	|	ADV
emaj-329	178	7	issn	issn	VERB
emaj-329	178	8	2158	2158	NUM
emaj-329	178	9	-	-	SYM
emaj-329	178	10	8708	8708	NUM
emaj-329	178	11	(	(	PUNCT
emaj-329	178	12	online	online	NOUN
emaj-329	178	13	)	)	PUNCT
emaj-329	178	14	|	|	ADV
emaj-329	178	15	doi	doi	X
emaj-329	178	16	10.5195	10.5195	NUM
emaj-329	178	17	/	/	SYM
emaj-329	178	18	emaj.2024.329	emaj.2024.329	PROPN
emaj-329	179	1	|	|	ADV
emaj-329	179	2	http://emaj.pitt.edu	http://emaj.pitt.edu	VERB
emaj-329	179	3	olugbenga	olugbenga	NOUN
emaj-329	179	4	adeshola	adeshola	PROPN
emaj-329	179	5	olunuga	olunuga	ADV
emaj-329	179	6	,	,	PUNCT
emaj-329	179	7	mustapha	mustapha	PROPN
emaj-329	179	8	babatunde	babatunde	PROPN
emaj-329	179	9	ademola	ademola	PROPN
emaj-329	179	10	ashoghon	ashoghon	VERB
emaj-329	179	11	emerging	emerge	VERB
emaj-329	179	12	markets	market	NOUN
emaj-329	179	13	journal	journal	NOUN
emaj-329	179	14	page	page	NOUN
emaj-329	179	15	|17|	|17|	NOUN
emaj-329	179	16	ambala	ambala	PROPN
emaj-329	179	17	,	,	PUNCT
emaj-329	179	18	r.	r.	PROPN
emaj-329	179	19	,	,	PUNCT
emaj-329	179	20	amewu	amewu	PROPN
emaj-329	179	21	,	,	PUNCT
emaj-329	179	22	g.	g.	PROPN
emaj-329	179	23	(	(	PUNCT
emaj-329	179	24	2023	2023	NUM
emaj-329	179	25	)	)	PUNCT
emaj-329	179	26	.	.	PUNCT
emaj-329	180	1	linear	linear	PROPN
emaj-329	180	2	and	and	CCONJ
emaj-329	180	3	non	non	ADJ
emaj-329	180	4	-	-	ADJ
emaj-329	180	5	linear	linear	ADJ
emaj-329	180	6	ardl	ardl	NOUN
emaj-329	180	7	estimation	estimation	NOUN
emaj-329	180	8	of	of	ADP
emaj-329	180	9	financial	financial	ADJ
emaj-329	180	10	innovation	innovation	NOUN
emaj-329	180	11	and	and	CCONJ
emaj-329	180	12	economic	economic	ADJ
emaj-329	180	13	growth	growth	NOUN
emaj-329	180	14	in	in	ADP
emaj-329	180	15	ghana	ghana	PROPN
emaj-329	180	16	,	,	PUNCT
emaj-329	180	17	journal	journal	NOUN
emaj-329	180	18	of	of	ADP
emaj-329	180	19	business	business	NOUN
emaj-329	180	20	and	and	CCONJ
emaj-329	180	21	socio	socio	NOUN
emaj-329	180	22	-	-	PUNCT
emaj-329	180	23	economic	economic	ADJ
emaj-329	180	24	development	development	NOUN
emaj-329	180	25	,	,	PUNCT
emaj-329	180	26	3	3	NUM
emaj-329	180	27	(	(	PUNCT
emaj-329	180	28	1	1	NUM
emaj-329	180	29	)	)	PUNCT
emaj-329	180	30	,	,	PUNCT
emaj-329	180	31	36	36	NUM
emaj-329	180	32	-	-	SYM
emaj-329	180	33	49	49	NUM
emaj-329	180	34	.	.	PUNCT
emaj-329	181	1	anthony	anthony	NOUN
emaj-329	181	2	-	-	PUNCT
emaj-329	181	3	orji	orji	PROPN
emaj-329	181	4	,	,	PUNCT
emaj-329	181	5	o.	o.	PROPN
emaj-329	181	6	i.	i.	PROPN
emaj-329	181	7	,	,	PUNCT
emaj-329	181	8	orji	orji	PROPN
emaj-329	181	9	,	,	PUNCT
emaj-329	181	10	a.	a.	NOUN
emaj-329	181	11	,	,	PUNCT
emaj-329	181	12	ogbuabor	ogbuabor	PROPN
emaj-329	181	13	,	,	PUNCT
emaj-329	181	14	j.	j.	PROPN
emaj-329	181	15	e.	e.	PROPN
emaj-329	181	16	,	,	PUNCT
emaj-329	181	17	uka	uka	PROPN
emaj-329	181	18	,	,	PUNCT
emaj-329	181	19	l.	l.	PROPN
emaj-329	181	20	c.	c.	PROPN
emaj-329	181	21	(	(	PUNCT
emaj-329	181	22	2023	2023	NUM
emaj-329	181	23	)	)	PUNCT
emaj-329	181	24	.	.	PUNCT
emaj-329	182	1	money	money	NOUN
emaj-329	182	2	matters	matter	VERB
emaj-329	182	3	a	a	DET
emaj-329	182	4	lot	lot	NOUN
emaj-329	182	5	:	:	PUNCT
emaj-329	182	6	empirical	empirical	ADJ
emaj-329	182	7	analysis	analysis	NOUN
emaj-329	182	8	of	of	ADP
emaj-329	182	9	financial	financial	ADJ
emaj-329	182	10	development	development	NOUN
emaj-329	182	11	,	,	PUNCT
emaj-329	182	12	financial	financial	ADJ
emaj-329	182	13	inclusion	inclusion	NOUN
emaj-329	182	14	and	and	CCONJ
emaj-329	182	15	economic	economic	ADJ
emaj-329	182	16	growth	growth	NOUN
emaj-329	182	17	in	in	ADP
emaj-329	182	18	nigeria	nigeria	PROPN
emaj-329	182	19	.	.	PUNCT
emaj-329	183	1	international	international	ADJ
emaj-329	183	2	journal	journal	PROPN
emaj-329	183	3	of	of	ADP
emaj-329	183	4	economic	economic	ADJ
emaj-329	183	5	policy	policy	NOUN
emaj-329	183	6	in	in	ADP
emaj-329	183	7	emerging	emerge	VERB
emaj-329	183	8	economies	economy	NOUN
emaj-329	183	9	,	,	PUNCT
emaj-329	183	10	17(1	17(1	NUM
emaj-329	183	11	)	)	PUNCT
emaj-329	183	12	,	,	PUNCT
emaj-329	183	13	100	100	NUM
emaj-329	183	14	-	-	SYM
emaj-329	183	15	117	117	NUM
emaj-329	183	16	.	.	PUNCT
emaj-329	184	1	biswas	biswas	PROPN
emaj-329	184	2	,	,	PUNCT
emaj-329	184	3	g.	g.	PROPN
emaj-329	184	4	k.	k.	PROPN
emaj-329	184	5	(	(	PUNCT
emaj-329	184	6	2023	2023	NUM
emaj-329	184	7	)	)	PUNCT
emaj-329	184	8	.	.	PUNCT
emaj-329	185	1	financial	financial	ADJ
emaj-329	185	2	inclusion	inclusion	NOUN
emaj-329	185	3	and	and	CCONJ
emaj-329	185	4	its	its	PRON
emaj-329	185	5	impact	impact	NOUN
emaj-329	185	6	on	on	ADP
emaj-329	185	7	economic	economic	ADJ
emaj-329	185	8	growth	growth	NOUN
emaj-329	185	9	:	:	PUNCT
emaj-329	185	10	an	an	DET
emaj-329	185	11	empirical	empirical	ADJ
emaj-329	185	12	evidence	evidence	NOUN
emaj-329	185	13	from	from	ADP
emaj-329	185	14	south	south	ADJ
emaj-329	185	15	asian	asian	ADJ
emaj-329	185	16	countries	country	NOUN
emaj-329	185	17	.	.	PUNCT
emaj-329	186	1	european	european	ADJ
emaj-329	186	2	journal	journal	PROPN
emaj-329	186	3	of	of	ADP
emaj-329	186	4	business	business	NOUN
emaj-329	186	5	and	and	CCONJ
emaj-329	186	6	management	management	NOUN
emaj-329	186	7	research	research	NOUN
emaj-329	186	8	,	,	PUNCT
emaj-329	186	9	8(4	8(4	NUM
emaj-329	186	10	)	)	PUNCT
emaj-329	186	11	,	,	PUNCT
emaj-329	186	12	163	163	NUM
emaj-329	186	13	-	-	SYM
emaj-329	186	14	167	167	NUM
emaj-329	186	15	.	.	PUNCT
emaj-329	187	1	chukwunulu	chukwunulu	PROPN
emaj-329	187	2	,	,	PUNCT
emaj-329	187	3	j.	j.	PROPN
emaj-329	187	4	i.	i.	PROPN
emaj-329	187	5	(	(	PUNCT
emaj-329	187	6	2019	2019	NUM
emaj-329	187	7	)	)	PUNCT
emaj-329	187	8	.	.	PUNCT
emaj-329	188	1	effect	effect	NOUN
emaj-329	188	2	of	of	ADP
emaj-329	188	3	financial	financial	ADJ
emaj-329	188	4	innovation	innovation	NOUN
emaj-329	188	5	on	on	ADP
emaj-329	188	6	the	the	DET
emaj-329	188	7	nigerian	nigerian	ADJ
emaj-329	188	8	economy	economy	NOUN
emaj-329	188	9	.	.	PUNCT
emaj-329	189	1	world	world	PROPN
emaj-329	189	2	journal	journal	PROPN
emaj-329	189	3	of	of	ADP
emaj-329	189	4	innovative	innovative	ADJ
emaj-329	189	5	research	research	NOUN
emaj-329	189	6	,	,	PUNCT
emaj-329	189	7	6(5	6(5	NUM
emaj-329	189	8	)	)	PUNCT
emaj-329	189	9	,	,	PUNCT
emaj-329	189	10	15	15	NUM
emaj-329	189	11	-	-	SYM
emaj-329	189	12	21	21	NUM
emaj-329	189	13	.	.	PUNCT
emaj-329	190	1	čižo	čižo	PROPN
emaj-329	190	2	,	,	PUNCT
emaj-329	190	3	e.	e.	PROPN
emaj-329	190	4	,	,	PUNCT
emaj-329	190	5	lavrinenko	lavrinenko	PROPN
emaj-329	190	6	,	,	PUNCT
emaj-329	190	7	o.	o.	NOUN
emaj-329	190	8	,	,	PUNCT
emaj-329	190	9	ignatjeva	ignatjeva	PROPN
emaj-329	190	10	,	,	PUNCT
emaj-329	190	11	s.	s.	PROPN
emaj-329	190	12	(	(	PUNCT
emaj-329	190	13	2020	2020	NUM
emaj-329	190	14	)	)	PUNCT
emaj-329	190	15	,	,	PUNCT
emaj-329	190	16	analysis	analysis	NOUN
emaj-329	190	17	of	of	ADP
emaj-329	190	18	the	the	DET
emaj-329	190	19	relationship	relationship	NOUN
emaj-329	190	20	between	between	ADP
emaj-329	190	21	financial	financial	ADJ
emaj-329	190	22	development	development	NOUN
emaj-329	190	23	and	and	CCONJ
emaj-329	190	24	economic	economic	ADJ
emaj-329	190	25	growth	growth	NOUN
emaj-329	190	26	in	in	ADP
emaj-329	190	27	the	the	DET
emaj-329	190	28	eu	eu	PROPN
emaj-329	190	29	countries	country	NOUN
emaj-329	190	30	.	.	PUNCT
emaj-329	191	1	insights	insight	NOUN
emaj-329	191	2	into	into	ADP
emaj-329	191	3	regional	regional	ADJ
emaj-329	191	4	development	development	NOUN
emaj-329	191	5	,	,	PUNCT
emaj-329	191	6	2(3	2(3	NUM
emaj-329	191	7	)	)	PUNCT
emaj-329	191	8	,	,	PUNCT
emaj-329	191	9	645660	645660	NUM
emaj-329	191	10	.	.	PUNCT
emaj-329	192	1	effiom	effiom	PROPN
emaj-329	192	2	,	,	PUNCT
emaj-329	192	3	l.	l.	PROPN
emaj-329	192	4	,	,	PUNCT
emaj-329	192	5	edet	edet	PROPN
emaj-329	192	6	,	,	PUNCT
emaj-329	192	7	s.	s.	PROPN
emaj-329	192	8	e.	e.	PROPN
emaj-329	192	9	(	(	PUNCT
emaj-329	192	10	2022	2022	NUM
emaj-329	192	11	)	)	PUNCT
emaj-329	192	12	.	.	PUNCT
emaj-329	193	1	financial	financial	ADJ
emaj-329	193	2	innovation	innovation	NOUN
emaj-329	193	3	and	and	CCONJ
emaj-329	193	4	the	the	DET
emaj-329	193	5	performance	performance	NOUN
emaj-329	193	6	of	of	ADP
emaj-329	193	7	small	small	ADJ
emaj-329	193	8	and	and	CCONJ
emaj-329	193	9	medium	medium	ADJ
emaj-329	193	10	scale	scale	NOUN
emaj-329	193	11	enterprises	enterprise	NOUN
emaj-329	193	12	in	in	ADP
emaj-329	193	13	nigeria	nigeria	PROPN
emaj-329	193	14	.	.	PUNCT
emaj-329	194	1	journal	journal	PROPN
emaj-329	194	2	of	of	ADP
emaj-329	194	3	small	small	ADJ
emaj-329	194	4	business	business	NOUN
emaj-329	194	5	&	&	CCONJ
emaj-329	194	6	entrepreneurship	entrepreneurship	NOUN
emaj-329	194	7	,	,	PUNCT
emaj-329	194	8	34(2	34(2	NUM
emaj-329	194	9	)	)	PUNCT
emaj-329	194	10	,	,	PUNCT
emaj-329	194	11	141	141	NUM
emaj-329	194	12	-	-	SYM
emaj-329	194	13	174	174	NUM
emaj-329	194	14	.	.	PUNCT
emaj-329	195	1	imoagwu	imoagwu	ADJ
emaj-329	195	2	,	,	PUNCT
emaj-329	195	3	c.	c.	PROPN
emaj-329	195	4	p.	p.	PROPN
emaj-329	195	5	,	,	PUNCT
emaj-329	195	6	ezeanyeji	ezeanyeji	NOUN
emaj-329	195	7	,	,	PUNCT
emaj-329	195	8	c.	c.	PROPN
emaj-329	195	9	i.	i.	PROPN
emaj-329	195	10	(	(	PUNCT
emaj-329	195	11	2019	2019	NUM
emaj-329	195	12	)	)	PUNCT
emaj-329	195	13	.	.	PUNCT
emaj-329	196	1	financial	financial	ADJ
emaj-329	196	2	development	development	NOUN
emaj-329	196	3	and	and	CCONJ
emaj-329	196	4	economic	economic	ADJ
emaj-329	196	5	growth	growth	NOUN
emaj-329	196	6	nexus	nexus	NOUN
emaj-329	196	7	in	in	ADP
emaj-329	196	8	nigeria	nigeria	PROPN
emaj-329	196	9	.	.	PUNCT
emaj-329	197	1	international	international	ADJ
emaj-329	197	2	journal	journal	PROPN
emaj-329	197	3	of	of	ADP
emaj-329	197	4	business	business	NOUN
emaj-329	197	5	and	and	CCONJ
emaj-329	197	6	management	management	NOUN
emaj-329	197	7	invention	invention	NOUN
emaj-329	197	8	,	,	PUNCT
emaj-329	197	9	8(3	8(3	NUM
emaj-329	197	10	)	)	PUNCT
emaj-329	197	11	,	,	PUNCT
emaj-329	197	12	50	50	NUM
emaj-329	197	13	-	-	SYM
emaj-329	197	14	63	63	NUM
emaj-329	197	15	.	.	PUNCT
emaj-329	198	1	kamalu	kamalu	PROPN
emaj-329	198	2	,	,	PUNCT
emaj-329	198	3	k.	k.	PROPN
emaj-329	198	4	,	,	PUNCT
emaj-329	198	5	wan	wan	PROPN
emaj-329	198	6	ibrahim	ibrahim	PROPN
emaj-329	198	7	,	,	PUNCT
emaj-329	198	8	w.	w.	PROPN
emaj-329	198	9	h.	h.	PROPN
emaj-329	198	10	,	,	PUNCT
emaj-329	198	11	ahmad	ahmad	PROPN
emaj-329	198	12	,	,	PUNCT
emaj-329	198	13	a.	a.	PROPN
emaj-329	198	14	u.	u.	PROPN
emaj-329	198	15	,	,	PUNCT
emaj-329	198	16	mustapha	mustapha	PROPN
emaj-329	198	17	,	,	PUNCT
emaj-329	198	18	u.	u.	PROPN
emaj-329	198	19	a.	a.	PROPN
emaj-329	199	1	(	(	PUNCT
emaj-329	199	2	2019	2019	NUM
emaj-329	199	3	)	)	PUNCT
emaj-329	199	4	.	.	PUNCT
emaj-329	200	1	causal	causal	PROPN
emaj-329	200	2	link	link	NOUN
emaj-329	200	3	between	between	ADP
emaj-329	200	4	financial	financial	ADJ
emaj-329	200	5	developments	development	NOUN
emaj-329	200	6	,	,	PUNCT
emaj-329	200	7	financial	financial	ADJ
emaj-329	200	8	inclusion	inclusion	NOUN
emaj-329	200	9	and	and	CCONJ
emaj-329	200	10	economic	economic	ADJ
emaj-329	200	11	growth	growth	NOUN
emaj-329	200	12	in	in	ADP
emaj-329	200	13	nigeria	nigeria	PROPN
emaj-329	200	14	.	.	PUNCT
emaj-329	201	1	international	international	ADJ
emaj-329	201	2	journal	journal	PROPN
emaj-329	201	3	of	of	ADP
emaj-329	201	4	scientific	scientific	ADJ
emaj-329	201	5	and	and	CCONJ
emaj-329	201	6	technology	technology	NOUN
emaj-329	201	7	research	research	NOUN
emaj-329	201	8	,	,	PUNCT
emaj-329	201	9	8(12	8(12	NUM
emaj-329	201	10	)	)	PUNCT
emaj-329	201	11	,	,	PUNCT
emaj-329	201	12	2757	2757	NUM
emaj-329	201	13	-	-	SYM
emaj-329	201	14	2763	2763	NUM
emaj-329	201	15	.	.	PUNCT
emaj-329	202	1	nguena	nguena	PROPN
emaj-329	202	2	,	,	PUNCT
emaj-329	202	3	c	c	X
emaj-329	202	4	,	,	PUNCT
emaj-329	202	5	l.	l.	PROPN
emaj-329	202	6	(	(	PUNCT
emaj-329	202	7	2019	2019	NUM
emaj-329	202	8	)	)	PUNCT
emaj-329	202	9	.	.	PUNCT
emaj-329	203	1	financial	financial	ADJ
emaj-329	203	2	innovation	innovation	NOUN
emaj-329	203	3	in	in	ADP
emaj-329	203	4	developing	develop	VERB
emaj-329	203	5	countries	country	NOUN
emaj-329	203	6	,	,	PUNCT
emaj-329	203	7	journal	journal	NOUN
emaj-329	203	8	of	of	ADP
emaj-329	203	9	innovation	innovation	NOUN
emaj-329	203	10	,	,	PUNCT
emaj-329	203	11	economics	economic	NOUN
emaj-329	203	12	and	and	CCONJ
emaj-329	203	13	management	management	NOUN
emaj-329	203	14	,	,	PUNCT
emaj-329	203	15	29(2	29(2	NUM
emaj-329	203	16	)	)	PUNCT
emaj-329	203	17	,	,	PUNCT
emaj-329	203	18	69	69	NUM
emaj-329	203	19	-	-	SYM
emaj-329	203	20	94	94	NUM
emaj-329	203	21	.	.	PUNCT
emaj-329	204	1	okafor	okafor	PROPN
emaj-329	204	2	,	,	PUNCT
emaj-329	204	3	i.	i.	PROPN
emaj-329	204	4	g.	g.	PROPN
emaj-329	204	5	,	,	PUNCT
emaj-329	204	6	chijindu	chijindu	PROPN
emaj-329	204	7	,	,	PUNCT
emaj-329	204	8	e.	e.	PROPN
emaj-329	204	9	h.	h.	PROPN
emaj-329	204	10	,	,	PUNCT
emaj-329	204	11	anyalechi	anyalechi	PROPN
emaj-329	204	12	,	,	PUNCT
emaj-329	204	13	k.	k.	PROPN
emaj-329	204	14	c.	c.	PROPN
emaj-329	204	15	(	(	PUNCT
emaj-329	204	16	2017	2017	NUM
emaj-329	204	17	)	)	PUNCT
emaj-329	204	18	.	.	PUNCT
emaj-329	205	1	does	do	AUX
emaj-329	205	2	financial	financial	ADJ
emaj-329	205	3	innovation	innovation	NOUN
emaj-329	205	4	drive	drive	VERB
emaj-329	205	5	growth	growth	NOUN
emaj-329	205	6	?	?	PUNCT
emaj-329	206	1	empirical	empirical	ADJ
emaj-329	206	2	analysis	analysis	NOUN
emaj-329	206	3	of	of	ADP
emaj-329	206	4	the	the	DET
emaj-329	206	5	nigerian	nigerian	ADJ
emaj-329	206	6	case	case	NOUN
emaj-329	206	7	,	,	PUNCT
emaj-329	206	8	british	british	ADJ
emaj-329	206	9	journal	journal	PROPN
emaj-329	206	10	of	of	ADP
emaj-329	206	11	economics	economic	NOUN
emaj-329	206	12	,	,	PUNCT
emaj-329	206	13	management	management	NOUN
emaj-329	206	14	and	and	CCONJ
emaj-329	206	15	trade	trade	NOUN
emaj-329	206	16	,	,	PUNCT
emaj-329	206	17	16(3	16(3	NOUN
emaj-329	206	18	)	)	PUNCT
emaj-329	206	19	,	,	PUNCT
emaj-329	206	20	1	1	NUM
emaj-329	206	21	-	-	SYM
emaj-329	206	22	10	10	NUM
emaj-329	206	23	.	.	PUNCT
emaj-329	207	1	olorogun	olorogun	PROPN
emaj-329	207	2	,	,	PUNCT
emaj-329	207	3	l.	l.	PROPN
emaj-329	207	4	a.	a.	PROPN
emaj-329	207	5	,	,	PUNCT
emaj-329	207	6	salami	salami	NOUN
emaj-329	207	7	,	,	PUNCT
emaj-329	207	8	m.	m.	NOUN
emaj-329	207	9	a.	a.	PROPN
emaj-329	207	10	,	,	PUNCT
emaj-329	207	11	bekun	bekun	PROPN
emaj-329	207	12	,	,	PUNCT
emaj-329	207	13	f.	f.	PROPN
emaj-329	207	14	v.	v.	PROPN
emaj-329	208	1	(	(	PUNCT
emaj-329	208	2	2022	2022	NUM
emaj-329	208	3	)	)	PUNCT
emaj-329	208	4	.	.	PUNCT
emaj-329	209	1	revisiting	revisit	VERB
emaj-329	209	2	the	the	DET
emaj-329	209	3	nexus	nexus	NOUN
emaj-329	209	4	between	between	ADP
emaj-329	209	5	fdi	fdi	PROPN
emaj-329	209	6	,	,	PUNCT
emaj-329	209	7	financial	financial	ADJ
emaj-329	209	8	development	development	NOUN
emaj-329	209	9	and	and	CCONJ
emaj-329	209	10	economic	economic	ADJ
emaj-329	209	11	growth	growth	NOUN
emaj-329	209	12	:	:	PUNCT
emaj-329	209	13	empirical	empirical	ADJ
emaj-329	209	14	evidence	evidence	NOUN
emaj-329	209	15	from	from	ADP
emaj-329	209	16	nigeria	nigeria	PROPN
emaj-329	209	17	.	.	PUNCT
emaj-329	210	1	journal	journal	PROPN
emaj-329	210	2	of	of	ADP
emaj-329	210	3	public	public	ADJ
emaj-329	210	4	affairs	affair	NOUN
emaj-329	210	5	,	,	PUNCT
emaj-329	210	6	22(3	22(3	NUM
emaj-329	210	7	)	)	PUNCT
emaj-329	210	8	,	,	PUNCT
emaj-329	210	9	25	25	NUM
emaj-329	210	10	-	-	SYM
emaj-329	210	11	36	36	NUM
emaj-329	210	12	.	.	PUNCT
emaj-329	211	1	omankhanlen	omankhanlen	VERB
emaj-329	211	2	,	,	PUNCT
emaj-329	211	3	a.	a.	PROPN
emaj-329	211	4	e.	e.	PROPN
emaj-329	211	5	,	,	PUNCT
emaj-329	211	6	samuel	samuel	PROPN
emaj-329	211	7	-	-	PUNCT
emaj-329	211	8	hope	hope	PROPN
emaj-329	211	9	,	,	PUNCT
emaj-329	211	10	d.	d.	PROPN
emaj-329	211	11	c.	c.	PROPN
emaj-329	211	12	,	,	PUNCT
emaj-329	211	13	ehikioya	ehikioya	PROPN
emaj-329	211	14	,	,	PUNCT
emaj-329	211	15	b.	b.	PROPN
emaj-329	211	16	(	(	PUNCT
emaj-329	211	17	2022	2022	NUM
emaj-329	211	18	)	)	PUNCT
emaj-329	211	19	.	.	PUNCT
emaj-329	212	1	the	the	DET
emaj-329	212	2	effect	effect	NOUN
emaj-329	212	3	of	of	ADP
emaj-329	212	4	financial	financial	ADJ
emaj-329	212	5	development	development	NOUN
emaj-329	212	6	on	on	ADP
emaj-329	212	7	economic	economic	ADJ
emaj-329	212	8	growth	growth	NOUN
emaj-329	212	9	in	in	ADP
emaj-329	212	10	nigeria	nigeria	PROPN
emaj-329	212	11	.	.	PUNCT
emaj-329	213	1	academy	academy	PROPN
emaj-329	213	2	of	of	ADP
emaj-329	213	3	strategic	strategic	ADJ
emaj-329	213	4	management	management	NOUN
emaj-329	213	5	journal	journal	NOUN
emaj-329	213	6	,	,	PUNCT
emaj-329	213	7	21(4	21(4	NUM
emaj-329	213	8	)	)	PUNCT
emaj-329	213	9	,	,	PUNCT
emaj-329	213	10	1	1	NUM
emaj-329	213	11	-	-	SYM
emaj-329	213	12	13	13	NUM
emaj-329	213	13	.	.	PUNCT
emaj-329	214	1	osuigwe	osuigwe	PROPN
emaj-329	214	2	,	,	PUNCT
emaj-329	214	3	o.	o.	PROPN
emaj-329	214	4	c.	c.	PROPN
emaj-329	214	5	(	(	PUNCT
emaj-329	214	6	2022	2022	NUM
emaj-329	214	7	)	)	PUNCT
emaj-329	214	8	.	.	PUNCT
emaj-329	215	1	financial	financial	ADJ
emaj-329	215	2	innovation	innovation	NOUN
emaj-329	215	3	and	and	CCONJ
emaj-329	215	4	economic	economic	ADJ
emaj-329	215	5	growth	growth	NOUN
emaj-329	215	6	in	in	ADP
emaj-329	215	7	nigeria	nigeria	PROPN
emaj-329	215	8	.	.	PUNCT
emaj-329	216	1	international	international	ADJ
emaj-329	216	2	journal	journal	PROPN
emaj-329	216	3	of	of	ADP
emaj-329	216	4	innovative	innovative	ADJ
emaj-329	216	5	social	social	ADJ
emaj-329	216	6	sciences	sciences	PROPN
emaj-329	216	7	&	&	CCONJ
emaj-329	216	8	humanities	humanities	PROPN
emaj-329	216	9	research	research	NOUN
emaj-329	216	10	,	,	PUNCT
emaj-329	216	11	10(2	10(2	NUM
emaj-329	216	12	)	)	PUNCT
emaj-329	216	13	,	,	PUNCT
emaj-329	216	14	36	36	NUM
emaj-329	216	15	-	-	SYM
emaj-329	216	16	51	51	NUM
emaj-329	216	17	.	.	PUNCT
emaj-329	216	18	oyadeyi	oyadeyi	NOUN
emaj-329	216	19	,	,	PUNCT
emaj-329	216	20	o.	o.	PROPN
emaj-329	216	21	(	(	PUNCT
emaj-329	216	22	2023	2023	NUM
emaj-329	216	23	)	)	PUNCT
emaj-329	216	24	.	.	PUNCT
emaj-329	217	1	banking	banking	NOUN
emaj-329	217	2	innovation	innovation	NOUN
emaj-329	217	3	,	,	PUNCT
emaj-329	217	4	financial	financial	ADJ
emaj-329	217	5	inclusion	inclusion	NOUN
emaj-329	217	6	and	and	CCONJ
emaj-329	217	7	economic	economic	ADJ
emaj-329	217	8	growth	growth	NOUN
emaj-329	217	9	in	in	ADP
emaj-329	217	10	nigeria	nigeria	PROPN
emaj-329	217	11	.	.	PUNCT
emaj-329	218	1	journal	journal	PROPN
emaj-329	218	2	of	of	ADP
emaj-329	218	3	the	the	DET
emaj-329	218	4	knowledge	knowledge	NOUN
emaj-329	218	5	economy	economy	NOUN
emaj-329	218	6	,	,	PUNCT
emaj-329	218	7	130	130	NUM
emaj-329	218	8	.	.	PUNCT
emaj-329	219	1	pece	pece	PROPN
emaj-329	219	2	,	,	PUNCT
emaj-329	219	3	a.m.	a.m.	ADV
emaj-329	219	4	,	,	PUNCT
emaj-329	219	5	simona	simona	PROPN
emaj-329	219	6	,	,	PUNCT
emaj-329	219	7	o.	o.	NOUN
emaj-329	219	8	e	e	PROPN
emaj-329	219	9	,	,	PUNCT
emaj-329	219	10	,	,	PUNCT
emaj-329	219	11	salisteanu	salisteanu	PROPN
emaj-329	219	12	,	,	PUNCT
emaj-329	219	13	f.	f.	PROPN
emaj-329	219	14	(	(	PUNCT
emaj-329	219	15	2015	2015	NUM
emaj-329	219	16	)	)	PUNCT
emaj-329	219	17	.	.	PUNCT
emaj-329	220	1	innovation	innovation	NOUN
emaj-329	220	2	and	and	CCONJ
emaj-329	220	3	economic	economic	ADJ
emaj-329	220	4	growth	growth	NOUN
emaj-329	220	5	:	:	PUNCT
emaj-329	220	6	an	an	DET
emaj-329	220	7	empirical	empirical	ADJ
emaj-329	220	8	analysis	analysis	NOUN
emaj-329	220	9	of	of	ADP
emaj-329	220	10	cee	cee	NOUN
emaj-329	220	11	countries	country	NOUN
emaj-329	220	12	,	,	PUNCT
emaj-329	220	13	procedia	procedia	NOUN
emaj-329	220	14	economics	economic	NOUN
emaj-329	220	15	and	and	CCONJ
emaj-329	220	16	finance	finance	NOUN
emaj-329	220	17	,	,	PUNCT
emaj-329	220	18	9(26	9(26	NUM
emaj-329	220	19	)	)	PUNCT
emaj-329	220	20	,	,	PUNCT
emaj-329	220	21	461	461	NUM
emaj-329	220	22	-	-	SYM
emaj-329	220	23	467	467	NUM
emaj-329	220	24	.	.	PUNCT
emaj-329	220	25	qamruzzaman	qamruzzaman	PROPN
emaj-329	220	26	,	,	PUNCT
emaj-329	220	27	m.	m.	NOUN
emaj-329	220	28	,	,	PUNCT
emaj-329	220	29	jianguo	jianguo	PROPN
emaj-329	220	30	,	,	PUNCT
emaj-329	220	31	w.	w.	PROPN
emaj-329	220	32	(	(	PUNCT
emaj-329	220	33	2018	2018	NUM
emaj-329	220	34	)	)	PUNCT
emaj-329	220	35	.	.	PUNCT
emaj-329	221	1	nexus	nexus	NOUN
emaj-329	221	2	between	between	ADP
emaj-329	221	3	financial	financial	ADJ
emaj-329	221	4	innovation	innovation	NOUN
emaj-329	221	5	and	and	CCONJ
emaj-329	221	6	economic	economic	ADJ
emaj-329	221	7	growth	growth	NOUN
emaj-329	221	8	in	in	ADP
emaj-329	221	9	south	south	PROPN
emaj-329	221	10	asia	asia	PROPN
emaj-329	221	11	:	:	PUNCT
emaj-329	221	12	evidence	evidence	NOUN
emaj-329	221	13	from	from	ADP
emaj-329	221	14	ardl	ardl	NOUN
emaj-329	221	15	and	and	CCONJ
emaj-329	221	16	nonlinear	nonlinear	ADJ
emaj-329	221	17	ardl	ardl	NOUN
emaj-329	221	18	approaches	approach	NOUN
emaj-329	221	19	.	.	PUNCT
emaj-329	222	1	financial	financial	ADJ
emaj-329	222	2	innovation	innovation	NOUN
emaj-329	222	3	,	,	PUNCT
emaj-329	222	4	4(1	4(1	NOUN
emaj-329	222	5	)	)	PUNCT
emaj-329	222	6	,	,	PUNCT
emaj-329	222	7	20	20	NUM
emaj-329	222	8	.	.	PUNCT
emaj-329	222	9	sirait	sirait	PROPN
emaj-329	222	10	,	,	PUNCT
emaj-329	222	11	h.	h.	PROPN
emaj-329	222	12	,	,	PUNCT
emaj-329	222	13	rosalina	rosalina	PROPN
emaj-329	222	14	,	,	PUNCT
emaj-329	222	15	s.	s.	PROPN
emaj-329	222	16	s.	s.	PROPN
emaj-329	222	17	,	,	PUNCT
emaj-329	222	18	sari	sari	PROPN
emaj-329	222	19	,	,	PUNCT
emaj-329	222	20	e.	e.	PROPN
emaj-329	222	21	(	(	PUNCT
emaj-329	222	22	2023	2023	NUM
emaj-329	222	23	)	)	PUNCT
emaj-329	222	24	.	.	PUNCT
emaj-329	223	1	the	the	DET
emaj-329	223	2	impact	impact	NOUN
emaj-329	223	3	of	of	ADP
emaj-329	223	4	digital	digital	ADJ
emaj-329	223	5	innovation	innovation	NOUN
emaj-329	223	6	on	on	ADP
emaj-329	223	7	economic	economic	ADJ
emaj-329	223	8	growth	growth	NOUN
emaj-329	223	9	.	.	PUNCT
emaj-329	224	1	international	international	ADJ
emaj-329	224	2	journal	journal	PROPN
emaj-329	224	3	of	of	ADP
emaj-329	224	4	professional	professional	PROPN
emaj-329	224	5	business	business	PROPN
emaj-329	224	6	review	review	NOUN
emaj-329	224	7	,	,	PUNCT
emaj-329	224	8	8	8	NUM
emaj-329	224	9	(	(	PUNCT
emaj-329	224	10	6	6	NUM
emaj-329	224	11	)	)	PUNCT
emaj-329	224	12	,	,	PUNCT
emaj-329	224	13	12	12	NUM
emaj-329	224	14	.	.	PUNCT
emaj-329	225	1	ubi	ubi	PROPN
emaj-329	225	2	,	,	PUNCT
emaj-329	225	3	p.	p.	NOUN
emaj-329	225	4	,	,	PUNCT
emaj-329	225	5	mba	mba	PROPN
emaj-329	225	6	,	,	PUNCT
emaj-329	225	7	p.	p.	NOUN
emaj-329	225	8	(	(	PUNCT
emaj-329	225	9	2019	2019	NUM
emaj-329	225	10	)	)	PUNCT
emaj-329	225	11	.	.	PUNCT
emaj-329	226	1	financial	financial	ADJ
emaj-329	226	2	innovation	innovation	NOUN
emaj-329	226	3	and	and	CCONJ
emaj-329	226	4	output	output	NOUN
emaj-329	226	5	growth	growth	NOUN
emaj-329	226	6	of	of	ADP
emaj-329	226	7	small	small	ADJ
emaj-329	226	8	and	and	CCONJ
emaj-329	226	9	medium	medium	ADJ
emaj-329	226	10	-	-	PUNCT
emaj-329	226	11	scale	scale	NOUN
emaj-329	226	12	industries	industry	NOUN
emaj-329	226	13	in	in	ADP
emaj-329	226	14	nigeria	nigeria	PROPN
emaj-329	226	15	,	,	PUNCT
emaj-329	226	16	nigerian	nigerian	ADJ
emaj-329	226	17	journal	journal	NOUN
emaj-329	226	18	of	of	ADP
emaj-329	226	19	economic	economic	ADJ
emaj-329	226	20	and	and	CCONJ
emaj-329	226	21	social	social	ADJ
emaj-329	226	22	studies	study	NOUN
emaj-329	226	23	,	,	PUNCT
emaj-329	226	24	61(2	61(2	NUM
emaj-329	226	25	)	)	PUNCT
emaj-329	226	26	.	.	PUNCT
emaj-329	227	1	wang	wang	PROPN
emaj-329	227	2	,	,	PUNCT
emaj-329	227	3	r.	r.	PROPN
emaj-329	227	4	,	,	PUNCT
emaj-329	227	5	tan	tan	PROPN
emaj-329	227	6	,	,	PUNCT
emaj-329	227	7	j.	j.	PROPN
emaj-329	227	8	(	(	PUNCT
emaj-329	227	9	2021	2021	NUM
emaj-329	227	10	)	)	PUNCT
emaj-329	227	11	.	.	PUNCT
emaj-329	228	1	exploring	explore	VERB
emaj-329	228	2	the	the	DET
emaj-329	228	3	coupling	coupling	NOUN
emaj-329	228	4	and	and	CCONJ
emaj-329	228	5	forecasting	forecasting	NOUN
emaj-329	228	6	of	of	ADP
emaj-329	228	7	financial	financial	ADJ
emaj-329	228	8	development	development	NOUN
emaj-329	228	9	,	,	PUNCT
emaj-329	228	10	technological	technological	ADJ
emaj-329	228	11	innovation	innovation	NOUN
emaj-329	228	12	,	,	PUNCT
emaj-329	228	13	and	and	CCONJ
emaj-329	228	14	economic	economic	ADJ
emaj-329	228	15	growth	growth	NOUN
emaj-329	228	16	.	.	PUNCT
emaj-329	229	1	technological	technological	ADJ
emaj-329	229	2	forecasting	forecasting	NOUN
emaj-329	229	3	and	and	CCONJ
emaj-329	229	4	social	social	ADJ
emaj-329	229	5	change	change	NOUN
emaj-329	229	6	,	,	PUNCT
emaj-329	229	7	16(3)12	16(3)12	PROPN
emaj-329	229	8	-	-	SYM
emaj-329	229	9	24	24	NUM
emaj-329	229	10	.	.	PUNCT