id	sid	eid	entity	type
esutjss-178	1	1	8 2023	CARDINAL
esutjss-178	1	2	8	CARDINAL
esutjss-178	1	3	2	CARDINAL
esutjss-178	1	4	social sciences	ORG
esutjss-178	1	5	enugu state university of science	ORG
esutjss-178	2	1	oby omeje	ORG
esutjss-178	3	1	barnabas nwankwo	PERSON
esutjss-178	3	2	enugu state university of science & technology journal	ORG
esutjss-178	3	3	social sciences & humanities	ORG
esutjss-178	3	4	66	CARDINAL
esutjss-178	3	5	nigerian	NORP
esutjss-178	3	6	nigerian	NORP
esutjss-178	3	7	k.* aina	PERSON
esutjss-178	3	8	j. oloriegbe	PERSON
esutjss-178	3	9	k. s. department	PERSON
esutjss-178	5	1	nigerian	NORP
esutjss-178	6	1	250	CARDINAL
esutjss-178	8	1	chi-square	PERSON
esutjss-178	10	1	nigerian	NORP
esutjss-178	13	1	nigerian	NORP
esutjss-178	16	1	67	CARDINAL
esutjss-178	17	1	blockchain	PERSON
esutjss-178	17	2	eling & lehmann	ORG
esutjss-178	17	3	2018	DATE
esutjss-178	20	1	hoffmann et al.	PERSON
esutjss-178	20	2	2020	DATE
esutjss-178	22	1	nigerian	NORP
esutjss-178	23	1	african	NORP
esutjss-178	23	2	2019	DATE
esutjss-178	25	1	nigeria	GPE
esutjss-178	26	1	nigerian	NORP
esutjss-178	28	1	eling & lehmann	ORG
esutjss-178	28	2	2018	DATE
esutjss-178	28	3	hoffmann et al.	PERSON
esutjss-178	28	4	2020	DATE
esutjss-178	28	5	african	NORP
esutjss-178	28	6	nigeria	GPE
esutjss-178	29	1	deloitte	ORG
esutjss-178	29	2	2019	DATE
esutjss-178	29	3	2020	DATE
esutjss-178	30	1	nigerian	NORP
esutjss-178	31	1	nigerian	NORP
esutjss-178	31	2	2021	DATE
esutjss-178	33	1	nigeria	GPE
esutjss-178	34	1	nigerian	NORP
esutjss-178	36	1	68	CARDINAL
esutjss-178	36	2	i.	PERSON
esutjss-178	36	3	nigerian	NORP
esutjss-178	37	1	nigerian	NORP
esutjss-178	39	1	li et al.	PERSON
esutjss-178	39	2	2020	DATE
esutjss-178	39	3	warner & wäger	ORG
esutjss-178	39	4	2019	DATE
esutjss-178	40	1	hbr analytic services	ORG
esutjss-178	40	2	2021	CARDINAL
esutjss-178	40	3	kane et al.	PERSON
esutjss-178	40	4	2021	CARDINAL
esutjss-178	42	1	2016	DATE
esutjss-178	43	1	2014	DATE
esutjss-178	45	1	li et al.	PERSON
esutjss-178	45	2	2020	DATE
esutjss-178	45	3	2019	DATE
esutjss-178	46	1	kane et al.	PERSON
esutjss-178	46	2	2021	CARDINAL
esutjss-178	46	3	solis et al.	PERSON
esutjss-178	46	4	2015	DATE
esutjss-178	47	1	chanias & hess	ORG
esutjss-178	47	2	2016	DATE
esutjss-178	47	3	hess et al.	PERSON
esutjss-178	47	4	2016	DATE
esutjss-178	48	1	digital	ORG
esutjss-178	49	1	hbr analytic services	ORG
esutjss-178	49	2	2021	CARDINAL
esutjss-178	49	3	rogers	ORG
esutjss-178	49	4	2016	DATE
esutjss-178	51	1	kane et al.	PERSON
esutjss-178	51	2	2021	CARDINAL
esutjss-178	51	3	li et al.	PERSON
esutjss-178	51	4	2020	DATE
esutjss-178	53	1	aina	PERSON
esutjss-178	53	2	ganiyu & oloriegbe	ORG
esutjss-178	53	3	2023	CARDINAL
esutjss-178	53	4	2021	CARDINAL
esutjss-178	53	5	hbr analytic services	ORG
esutjss-178	53	6	2021	CARDINAL
esutjss-178	54	1	eling & lehmann	ORG
esutjss-178	54	2	2018	DATE
esutjss-178	54	3	mckinsey	GPE
esutjss-178	54	4	2021	CARDINAL
esutjss-178	55	1	69	CARDINAL
esutjss-178	55	2	2020	DATE
esutjss-178	55	3	2021	CARDINAL
esutjss-178	56	1	aina & oloriegbe	ORG
esutjss-178	56	2	2023	CARDINAL
esutjss-178	56	3	hbr analytic services	ORG
esutjss-178	56	4	2021	CARDINAL
esutjss-178	56	5	rogers	ORG
esutjss-178	56	6	2016	DATE
esutjss-178	57	1	one	CARDINAL
esutjss-178	58	1	yusuf, ajemunigbohun & alli	ORG
esutjss-178	58	2	2017	CARDINAL
esutjss-178	58	3	2021	CARDINAL
esutjss-178	58	4	hbr analytic services	ORG
esutjss-178	58	5	2021	CARDINAL
esutjss-178	58	6	oreshile & alli	ORG
esutjss-178	58	7	2018	DATE
esutjss-178	58	8	alli	ORG
esutjss-178	58	9	ganiyu & aina	ORG
esutjss-178	58	10	2020	DATE
esutjss-178	58	11	alli aina & ganiyu	ORG
esutjss-178	58	12	2023	CARDINAL
esutjss-178	58	13	alli	ORG
esutjss-178	58	14	ganiyu & aina	ORG
esutjss-178	58	15	2021	DATE
esutjss-178	60	1	eling & lehmann	ORG
esutjss-178	60	2	2018	DATE
esutjss-178	61	1	mckinsey	GPE
esutjss-178	61	2	2021	DATE
esutjss-178	62	1	capgemini	GPE
esutjss-178	62	2	2020	DATE
esutjss-178	63	1	eling & lehmann	ORG
esutjss-178	63	2	2018	DATE
esutjss-178	65	1	hbr analytic services	ORG
esutjss-178	65	2	2021	CARDINAL
esutjss-178	65	3	rogers	ORG
esutjss-178	65	4	2016	DATE
esutjss-178	67	1	2021	CARDINAL
esutjss-178	67	2	mckinsey	GPE
esutjss-178	67	3	2021	CARDINAL
esutjss-178	68	1	the 21st century	DATE
esutjss-178	69	1	2020	DATE
esutjss-178	69	2	hbr analytic services	ORG
esutjss-178	69	3	2021	CARDINAL
esutjss-178	70	1	kane et al.	PERSON
esutjss-178	70	2	2021	CARDINAL
esutjss-178	70	3	rao	ORG
esutjss-178	70	4	2017	DATE
esutjss-178	71	1	hbr analytic services	ORG
esutjss-178	71	2	2021	CARDINAL
esutjss-178	71	3	mckinsey	GPE
esutjss-178	71	4	2021	CARDINAL
esutjss-178	72	1	rao	ORG
esutjss-178	72	2	2017	DATE
esutjss-178	72	3	2018	DATE
esutjss-178	73	1	rogers	ORG
esutjss-178	73	2	2016	DATE
esutjss-178	74	1	kane et al.	PERSON
esutjss-178	74	2	2021	CARDINAL
esutjss-178	74	3	rao	ORG
esutjss-178	74	4	2017	DATE
esutjss-178	75	1	70	CARDINAL
esutjss-178	75	2	2020	DATE
esutjss-178	75	3	mckinsey	GPE
esutjss-178	75	4	2021	CARDINAL
esutjss-178	76	1	2018	DATE
esutjss-178	78	1	2016	DATE
esutjss-178	79	1	capgemini	GPE
esutjss-178	79	2	2020	DATE
esutjss-178	80	1	hbr analytic services	ORG
esutjss-178	80	2	2021	CARDINAL
esutjss-178	80	3	rao	ORG
esutjss-178	80	4	2017	DATE
esutjss-178	83	1	2020	DATE
esutjss-178	84	1	alli	ORG
esutjss-178	84	2	ganiyu & aina	ORG
esutjss-178	84	3	2020	DATE
esutjss-178	86	1	johnson et al.	PERSON
esutjss-178	86	2	2021	CARDINAL
esutjss-178	88	1	mitchell	ORG
esutjss-178	88	2	2020	DATE
esutjss-178	91	1	chaffey & ellis-chadwick	ORG
esutjss-178	91	2	2020	DATE
esutjss-178	93	1	crm	ORG
esutjss-178	93	2	payne & frow	ORG
esutjss-178	93	3	2020	DATE
esutjss-178	96	1	dhillon & moores	ORG
esutjss-178	96	2	2020	DATE
esutjss-178	99	1	71	CARDINAL
esutjss-178	99	2	marston et al.	PERSON
esutjss-178	99	3	2020	DATE
esutjss-178	102	1	kanban	ORG
esutjss-178	102	2	2020	DATE
esutjss-178	105	1	norman	PERSON
esutjss-178	105	2	2020	DATE
esutjss-178	108	1	2020	DATE
esutjss-178	111	1	(few, 2020	DATE
esutjss-178	112	1	blockchain	PERSON
esutjss-178	114	1	blockchain	PERSON
esutjss-178	114	2	healthcare	ORG
esutjss-178	114	3	2020	DATE
esutjss-178	115	1	nigerian	NORP
esutjss-178	115	2	nigerian	NORP
esutjss-178	115	3	recent years	DATE
esutjss-178	117	1	one	CARDINAL
esutjss-178	118	1	blockchain	PERSON
esutjss-178	118	2	2020	DATE
esutjss-178	119	1	nigerian	NORP
esutjss-178	119	2	pwc	ORG
esutjss-178	119	3	2021	CARDINAL
esutjss-178	119	4	over 30%	PERCENT
esutjss-178	119	5	five years	DATE
esutjss-178	122	1	2020	DATE
esutjss-178	123	1	the nigerian insurers association	ORG
esutjss-178	123	2	2020	DATE
esutjss-178	123	3	over 60%	PERCENT
esutjss-178	126	1	2020	DATE
esutjss-178	127	1	72	CARDINAL
esutjss-178	127	2	2020	DATE
esutjss-178	129	1	the national insurance commission	ORG
esutjss-178	129	2	2020	DATE
esutjss-178	130	1	insurtech	ORG
esutjss-178	131	1	everett rogers	PERSON
esutjss-178	131	2	nigerian	NORP
esutjss-178	133	1	first	ORDINAL
esutjss-178	142	1	nigeria	GPE
esutjss-178	144	1	nigerian	NORP
esutjss-178	145	1	nigeria	GPE
esutjss-178	145	2	2019	DATE
esutjss-178	145	3	nigerian	NORP
esutjss-178	148	1	nigerian	NORP
esutjss-178	149	1	73	CARDINAL
esutjss-178	151	1	nigerian	NORP
esutjss-178	151	2	first	ORDINAL
esutjss-178	153	1	2021	CARDINAL
esutjss-178	153	2	nigeria	GPE
esutjss-178	159	1	nigerian	NORP
esutjss-178	162	1	2020	DATE
esutjss-178	162	2	nigerian	NORP
esutjss-178	163	1	three	CARDINAL
esutjss-178	170	1	2018	DATE
esutjss-178	170	2	500	CARDINAL
esutjss-178	170	3	nigerian	NORP
esutjss-178	175	1	74	CARDINAL
esutjss-178	177	1	2020	DATE
esutjss-178	177	2	nigerian	NORP
esutjss-178	183	1	nigerian	NORP
esutjss-178	185	1	nigerian	NORP
esutjss-178	188	1	nigeria	GPE
esutjss-178	190	1	nigerian	NORP
esutjss-178	201	1	chi-square	PERSON
esutjss-178	203	1	chi-square 75	PERSON
esutjss-178	205	1	10 (4%	PERCENT
esutjss-178	205	2	20	DATE
esutjss-178	205	3	8%	PERCENT
esutjss-178	205	4	50 (20%	PERCENT
esutjss-178	205	5	100 (40%	PERCENT
esutjss-178	205	6	70	DATE
esutjss-178	205	7	28%	PERCENT
esutjss-178	205	8	3.8 0.9	CARDINAL
esutjss-178	205	9	20 (8%	PERCENT
esutjss-178	205	10	30	DATE
esutjss-178	205	11	12%	PERCENT
esutjss-178	205	12	60	DATE
esutjss-178	205	13	24%	PERCENT
esutjss-178	205	14	80	DATE
esutjss-178	205	15	32%	PERCENT
esutjss-178	205	16	60	DATE
esutjss-178	205	17	24%	PERCENT
esutjss-178	205	18	3.7 0.9	CARDINAL
esutjss-178	205	19	15	CARDINAL
esutjss-178	205	20	6%	PERCENT
esutjss-178	205	21	25	DATE
esutjss-178	205	22	10%	PERCENT
esutjss-178	205	23	55	DATE
esutjss-178	205	24	22%	PERCENT
esutjss-178	205	25	90	DATE
esutjss-178	205	26	36%	PERCENT
esutjss-178	205	27	65	DATE
esutjss-178	205	28	26%	PERCENT
esutjss-178	205	29	3.7 0.9	CARDINAL
esutjss-178	205	30	digital	ORG
esutjss-178	205	31	10 (4%	PERCENT
esutjss-178	205	32	15	CARDINAL
esutjss-178	205	33	6%	PERCENT
esutjss-178	205	34	40	DATE
esutjss-178	205	35	16%	PERCENT
esutjss-178	205	36	120	CARDINAL
esutjss-178	205	37	48%	PERCENT
esutjss-178	205	38	65	DATE
esutjss-178	205	39	26%	PERCENT
esutjss-178	205	40	4.3 0.7	CARDINAL
esutjss-178	205	41	5	CARDINAL
esutjss-178	205	42	2%	PERCENT
esutjss-178	205	43	10 (4%	PERCENT
esutjss-178	205	44	35	DATE
esutjss-178	205	45	14%	PERCENT
esutjss-178	205	46	130	CARDINAL
esutjss-178	205	47	52%	PERCENT
esutjss-178	205	48	70	DATE
esutjss-178	205	49	28%	PERCENT
esutjss-178	205	50	4.4 0.7	CARDINAL
esutjss-178	205	51	5 (2%	PERCENT
esutjss-178	205	52	10 (4%	PERCENT
esutjss-178	205	53	30	DATE
esutjss-178	205	54	12%	PERCENT
esutjss-178	205	55	110	CARDINAL
esutjss-178	205	56	44%	PERCENT
esutjss-178	205	57	95	CARDINAL
esutjss-178	205	58	38%	PERCENT
esutjss-178	205	59	4.2 0.7	CARDINAL
esutjss-178	205	60	15 (6%	PERCENT
esutjss-178	205	61	20	DATE
esutjss-178	205	62	8%	PERCENT
esutjss-178	205	63	50 (20%	PERCENT
esutjss-178	205	64	100 (40%	PERCENT
esutjss-178	205	65	65	DATE
esutjss-178	205	66	26%	PERCENT
esutjss-178	205	67	3.8 0.9	CARDINAL
esutjss-178	205	68	10 (4%	PERCENT
esutjss-178	205	69	15	CARDINAL
esutjss-178	205	70	6%	PERCENT
esutjss-178	205	71	40	DATE
esutjss-178	205	72	16%	PERCENT
esutjss-178	205	73	120	CARDINAL
esutjss-178	205	74	48%	PERCENT
esutjss-178	205	75	65	DATE
esutjss-178	205	76	26%	PERCENT
esutjss-178	205	77	4.3 0.7	CARDINAL
esutjss-178	205	78	10 (4%	PERCENT
esutjss-178	205	79	15	CARDINAL
esutjss-178	205	80	6%	PERCENT
esutjss-178	205	81	40	DATE
esutjss-178	205	82	16%	PERCENT
esutjss-178	205	83	120	CARDINAL
esutjss-178	205	84	48%	PERCENT
esutjss-178	205	85	65	DATE
esutjss-178	205	86	26%	PERCENT
esutjss-178	205	87	4.3 0.7	CARDINAL
esutjss-178	205	88	15 (6%	PERCENT
esutjss-178	205	89	20	DATE
esutjss-178	205	90	8%	PERCENT
esutjss-178	205	91	50 (20%	PERCENT
esutjss-178	205	92	100 (40%	PERCENT
esutjss-178	205	93	65	DATE
esutjss-178	205	94	26%	PERCENT
esutjss-178	205	95	3.8 0.9	CARDINAL
esutjss-178	205	96	15 (6%	PERCENT
esutjss-178	205	97	20	DATE
esutjss-178	205	98	8%	PERCENT
esutjss-178	205	99	50 (20%	PERCENT
esutjss-178	205	100	100 (40%	PERCENT
esutjss-178	205	101	65	DATE
esutjss-178	205	102	26%	PERCENT
esutjss-178	205	103	3.8	CARDINAL
esutjss-178	205	104	8%	PERCENT
esutjss-178	205	105	30	DATE
esutjss-178	205	106	12%	PERCENT
esutjss-178	205	107	60	DATE
esutjss-178	205	108	24%	PERCENT
esutjss-178	205	109	80	DATE
esutjss-178	205	110	32%	PERCENT
esutjss-178	205	111	60	DATE
esutjss-178	205	112	24%	PERCENT
esutjss-178	205	113	3.7 0.9	CARDINAL
esutjss-178	205	114	2023	CARDINAL
esutjss-178	207	1	38%	PERCENT
esutjss-178	207	2	52%	PERCENT
esutjss-178	208	1	48%	PERCENT
esutjss-178	210	1	40%	PERCENT
esutjss-178	211	1	32%	PERCENT
esutjss-178	215	1	76	CARDINAL
esutjss-178	216	1	4.4	CARDINAL
esutjss-178	216	2	0.7	CARDINAL
esutjss-178	216	3	4.3	CARDINAL
esutjss-178	216	4	0.7	CARDINAL
esutjss-178	217	1	4.2	CARDINAL
esutjss-178	217	2	0.7	CARDINAL
esutjss-178	217	3	4.3	CARDINAL
esutjss-178	217	4	0.7	CARDINAL
esutjss-178	217	5	4.3	CARDINAL
esutjss-178	217	6	0.7	CARDINAL
esutjss-178	217	7	0.7	CARDINAL
esutjss-178	218	1	3.7	CARDINAL
esutjss-178	218	2	0.9	CARDINAL
esutjss-178	218	3	3.7	CARDINAL
esutjss-178	218	4	0.9	CARDINAL
esutjss-178	218	5	blockchain	PERSON
esutjss-178	218	6	3.7	CARDINAL
esutjss-178	218	7	0.9	CARDINAL
esutjss-178	218	8	3.8	CARDINAL
esutjss-178	218	9	0.9	CARDINAL
esutjss-178	218	10	3.8	CARDINAL
esutjss-178	218	11	0.9	CARDINAL
esutjss-178	218	12	3.8	CARDINAL
esutjss-178	218	13	0.9	CARDINAL
esutjss-178	218	14	3.8	CARDINAL
esutjss-178	218	15	0.9	CARDINAL
esutjss-178	219	1	0.9	CARDINAL
esutjss-178	222	1	chi-square	PERSON
esutjss-178	222	2	12.0	CARDINAL
esutjss-178	222	3	16.0 4 0.003	CARDINAL
esutjss-178	222	4	18.0	CARDINAL
esutjss-178	222	5	0.001	CARDINAL
esutjss-178	222	6	digital	ORG
esutjss-178	222	7	44.0 4 0.000	CARDINAL
esutjss-178	222	8	52.0 4	CARDINAL
esutjss-178	222	9	68.0 4	CARDINAL
esutjss-178	222	10	12.0	CARDINAL
esutjss-178	222	11	4 0.017	CARDINAL
esutjss-178	222	12	44.0	CARDINAL
esutjss-178	222	13	44.0 4	CARDINAL
esutjss-178	222	14	12.0 4 0.017	CARDINAL
esutjss-178	222	15	12.0	CARDINAL
esutjss-178	222	16	0.003	CARDINAL
esutjss-178	223	1	2023	CARDINAL
esutjss-178	224	1	chi-square	PERSON
esutjss-178	224	2	0.000	CARDINAL
esutjss-178	227	1	chi-square	PERSON
esutjss-178	227	2	0.003	CARDINAL
esutjss-178	227	3	0.05	CARDINAL
esutjss-178	229	1	chi-square	PERSON
esutjss-178	229	2	0.017	CARDINAL
esutjss-178	229	3	0.05	CARDINAL
esutjss-178	230	1	77	CARDINAL
esutjss-178	232	1	crm	ORG
esutjss-178	234	1	2	CARDINAL
esutjss-178	234	2	nigerian	NORP
esutjss-178	235	1	8%	PERCENT
esutjss-178	235	2	40	DATE
esutjss-178	235	3	16%	PERCENT
esutjss-178	235	4	60	DATE
esutjss-178	235	5	24%	PERCENT
esutjss-178	235	6	100 (40%	PERCENT
esutjss-178	235	7	30	DATE
esutjss-178	235	8	12%	PERCENT
esutjss-178	235	9	3.7 0.9	CARDINAL
esutjss-178	235	10	nigerian	NORP
esutjss-178	236	1	6%	PERCENT
esutjss-178	236	2	45	DATE
esutjss-178	236	3	18%	PERCENT
esutjss-178	236	4	75	DATE
esutjss-178	236	5	30%	PERCENT
esutjss-178	236	6	90	DATE
esutjss-178	236	7	36%	PERCENT
esutjss-178	236	8	25	DATE
esutjss-178	236	9	10%	PERCENT
esutjss-178	236	10	3.5 0.9	CARDINAL
esutjss-178	236	11	nigerian	NORP
esutjss-178	236	12	age.	DATE
esutjss-178	237	1	12%	PERCENT
esutjss-178	237	2	50 (20%	PERCENT
esutjss-178	237	3	80	DATE
esutjss-178	237	4	32%	PERCENT
esutjss-178	237	5	70	DATE
esutjss-178	237	6	28%	PERCENT
esutjss-178	237	7	20	CARDINAL
esutjss-178	237	8	8%	PERCENT
esutjss-178	237	9	3.3 0.9	CARDINAL
esutjss-178	237	10	2023	CARDINAL
esutjss-178	237	11	nigerian	NORP
esutjss-178	238	1	40%	PERCENT
esutjss-178	238	2	24%	PERCENT
esutjss-178	239	1	24%	PERCENT
esutjss-178	240	1	3.7	CARDINAL
esutjss-178	240	2	0.9	CARDINAL
esutjss-178	241	1	only 46%	PERCENT
esutjss-178	242	1	30%	PERCENT
esutjss-178	242	2	24%	PERCENT
esutjss-178	243	1	3.5	CARDINAL
esutjss-178	243	2	0.9	CARDINAL
esutjss-178	245	1	just 36%	PERCENT
esutjss-178	245	2	32%	PERCENT
esutjss-178	245	3	32%	PERCENT
esutjss-178	246	1	3.3	CARDINAL
esutjss-178	246	2	0.9	CARDINAL
esutjss-178	249	1	78	CARDINAL
esutjss-178	249	2	nigerian	NORP
esutjss-178	250	1	nigerian	NORP
esutjss-178	251	1	3.7 0.9 2.22 0.027	QUANTITY
esutjss-178	251	2	nigerian	NORP
esutjss-178	252	1	0.00 1.000	CARDINAL
esutjss-178	252	2	nigerian	NORP
esutjss-178	253	1	3.3 0.9 -2.22 0.027	QUANTITY
esutjss-178	253	2	2023	CARDINAL
esutjss-178	254	1	first	ORDINAL
esutjss-178	254	2	nigerian	NORP
esutjss-178	255	1	3.7	CARDINAL
esutjss-178	255	2	5	CARDINAL
esutjss-178	255	3	0.9	CARDINAL
esutjss-178	256	1	2.22	CARDINAL
esutjss-178	256	2	0.027	CARDINAL
esutjss-178	257	1	second	ORDINAL
esutjss-178	257	2	nigerian	NORP
esutjss-178	258	1	3.5	CARDINAL
esutjss-178	258	2	0.9	CARDINAL
esutjss-178	259	1	0.00	CARDINAL
esutjss-178	260	1	third	ORDINAL
esutjss-178	260	2	nigerian	NORP
esutjss-178	260	3	3.3	CARDINAL
esutjss-178	260	4	0.9	CARDINAL
esutjss-178	262	1	0.027	CARDINAL
esutjss-178	263	1	first	ORDINAL
esutjss-178	263	2	third	ORDINAL
esutjss-178	263	3	less than 0.05	CARDINAL
esutjss-178	264	1	nigerian	NORP
esutjss-178	265	1	nigerian	NORP
esutjss-178	269	1	chi-square	PERSON
esutjss-178	269	2	79	CARDINAL
esutjss-178	270	1	nigerian	NORP
esutjss-178	275	1	2019	DATE
esutjss-178	276	1	2021	CARDINAL
esutjss-178	276	2	2020	DATE
esutjss-178	277	1	2020	DATE
esutjss-178	278	1	2018	DATE
esutjss-178	279	1	adegbite et al	PERSON
esutjss-178	280	1	2020	DATE
esutjss-178	281	1	2020	DATE
esutjss-178	282	1	2019	DATE
esutjss-178	282	2	2021	CARDINAL
esutjss-178	283	1	nigerian	NORP
esutjss-178	286	1	nigerian	NORP
esutjss-178	288	1	d.	NORP
esutjss-178	288	2	l., & temitope	ORG
esutjss-178	288	3	a.	PERSON
esutjss-178	288	4	2020	DATE
esutjss-178	289	1	nigeria	GPE
esutjss-178	290	1	140	CARDINAL
esutjss-178	291	1	a. o.	PERSON
esutjss-178	291	2	2019	CARDINAL
esutjss-178	292	1	nigeria	GPE
esutjss-178	293	1	the african journal of information systems	ORG
esutjss-178	293	2	11(2	CARDINAL
esutjss-178	293	3	81	CARDINAL
esutjss-178	294	1	aina	PERSON
esutjss-178	294	2	j.	PERSON
esutjss-178	294	3	k., & oloriegbe	ORG
esutjss-178	294	4	k. s.	PERSON
esutjss-178	294	5	2023	CARDINAL
esutjss-178	295	1	nigeria	GPE
esutjss-178	296	1	esut journal of social sciences	ORG
esutjss-178	296	2	8(1	CARDINAL
esutjss-178	297	1	80	CARDINAL
esutjss-178	297	2	ajemunigbohun	GPE
esutjss-178	297	3	s. s.	PERSON
esutjss-178	297	4	oreshile	GPE
esutjss-178	297	5	s. a., & alli	PERSON
esutjss-178	297	6	n. g.	PERSON
esutjss-178	297	7	2018	DATE
esutjss-178	298	1	nigerian	NORP
esutjss-178	299	1	the university of craiova	ORG
esutjss-178	299	2	1(46	CARDINAL
esutjss-178	300	1	alli	ORG
esutjss-178	300	2	n. g.	PERSON
esutjss-178	300	3	aina	PERSON
esutjss-178	300	4	j., & ganiyu	ORG
esutjss-178	300	5	k.	PERSON
esutjss-178	300	6	2023	CARDINAL
esutjss-178	301	1	lagos state	GPE
esutjss-178	301	2	nigeria	GPE
esutjss-178	302	1	caritas journal of management	ORG
esutjss-178	302	2	social sciences	ORG
esutjss-178	302	3	2(1	CARDINAL
esutjss-178	303	1	alli	ORG
esutjss-178	303	2	n. g.	PERSON
esutjss-178	303	3	k., & aina	ORG
esutjss-178	303	4	j. (2020	PERSON
esutjss-178	304	1	nigerian	NORP
esutjss-178	305	1	esut journal of social sciences	ORG
esutjss-178	305	2	5(3	CARDINAL
esutjss-178	306	1	alli	ORG
esutjss-178	306	2	n. g.	PERSON
esutjss-178	306	3	k., & aina	ORG
esutjss-178	306	4	j.	PERSON
esutjss-178	306	5	2021	CARDINAL
esutjss-178	307	1	nigeria	GPE
esutjss-178	308	1	nigerian journal of risk and insurance	ORG
esutjss-178	308	2	1-19	CARDINAL
esutjss-178	309	1	beltagui, a., & riedel	ORG
esutjss-178	309	2	j. c.	PERSON
esutjss-178	309	3	2021	CARDINAL
esutjss-178	311	1	180-203	CARDINAL
esutjss-178	311	2	capgemini	GPE
esutjss-178	312	1	2020	DATE
esutjss-178	313	1	2020	DATE
esutjss-178	314	1	capgemini	GPE
esutjss-178	314	2	https://worldinsurancereport.com/ chaffey	PERSON
esutjss-178	314	3	d., & ellis-chadwick	ORG
esutjss-178	314	4	2020	DATE
esutjss-178	316	1	pearson uk	PERSON
esutjss-178	316	2	chanias	NORP
esutjss-178	316	3	s., & hess	ORG
esutjss-178	316	4	t.	PERSON
esutjss-178	316	5	2016	CARDINAL
esutjss-178	317	1	europe	LOC
esutjss-178	318	1	286	CARDINAL
esutjss-178	319	1	deloitte	ORG
esutjss-178	320	1	2019	DATE
esutjss-178	321	1	european	NORP
esutjss-178	322	1	https://www2.deloitte.com/	GPE
esutjss-178	322	2	deloitte	ORG
esutjss-178	323	1	2020	DATE
esutjss-178	324	1	nigerian	NORP
esutjss-178	325	1	s.	PERSON
esutjss-178	325	2	2020	DATE
esutjss-178	327	1	journal of business research	ORG
esutjss-178	327	2	117	CARDINAL
esutjss-178	327	3	211	CARDINAL
esutjss-178	328	1	eling	GPE
esutjss-178	328	2	m., & lehmann	ORG
esutjss-178	328	3	m. (	PERSON
esutjss-178	328	4	2018	DATE
esutjss-178	330	1	43(3	DATE
esutjss-178	330	2	359	CARDINAL
esutjss-178	331	1	s.	PERSON
esutjss-178	331	2	2020	DATE
esutjss-178	334	1	aina	PERSON
esutjss-178	334	2	j., & oloriegbe	ORG
esutjss-178	334	3	k. s.	PERSON
esutjss-178	334	4	2023	CARDINAL
esutjss-178	335	1	nigerian	NORP
esutjss-178	335	2	81	CARDINAL
esutjss-178	336	1	social sciences	ORG
esutjss-178	336	2	8(1	CARDINAL
esutjss-178	337	1	hbr analytic services	ORG
esutjss-178	338	1	2021	CARDINAL
esutjss-178	340	1	harvard business review analytic services	ORG
esutjss-178	341	1	https://hbr.org/hbr-analytic-services hess	PERSON
esutjss-178	341	2	t., matt	PERSON
esutjss-178	341	3	a., & wiesböck	ORG
esutjss-178	341	4	f.	PERSON
esutjss-178	341	5	2016	CARDINAL
esutjss-178	343	1	quarterly	DATE
esutjss-178	344	1	hoffmann	PERSON
esutjss-178	344	2	a.o.	GPE
esutjss-178	344	3	hornung	PERSON
esutjss-178	344	4	d.	NORP
esutjss-178	344	5	m.	PERSON
esutjss-178	344	6	c. & schuhbaeck	ORG
esutjss-178	344	7	2020	DATE
esutjss-178	346	1	the geneva association	ORG
esutjss-178	346	2	capgemini	GPE
esutjss-178	347	1	johnson	PERSON
esutjss-178	347	2	m., o'hara	PERSON
esutjss-178	347	3	r.	NORP
esutjss-178	347	4	a.	PERSON
esutjss-178	347	5	coussens	GPE
esutjss-178	347	6	c. & criminisi, a.	ORG
esutjss-178	347	7	2021	CARDINAL
esutjss-178	349	1	the acm magazine	ORG
esutjss-178	349	2	50-55	CARDINAL
esutjss-178	350	1	kane	PERSON
esutjss-178	350	2	g. c.	PERSON
esutjss-178	350	3	d.	NORP
esutjss-178	350	4	phillips	ORG
esutjss-178	350	5	a. n.	PERSON
esutjss-178	350	6	kiron	ORG
esutjss-178	350	7	d., & buckley	ORG
esutjss-178	350	8	n.	PERSON
esutjss-178	350	9	2021	CARDINAL
esutjss-178	352	1	mit sloan management review	ORG
esutjss-178	352	2	deloitte	ORG
esutjss-178	353	1	https://sloanreview.mit.edu/report/coming-of-age-digitally-learning-building-andleading-in-the-digital-era/ li	PERSON
esutjss-178	353	2	l., su, f., zhang	PERSON
esutjss-178	353	3	w., & mao	ORG
esutjss-178	353	4	j. y.	PERSON
esutjss-178	353	5	2020	DATE
esutjss-178	355	1	information systems journal	ORG
esutjss-178	355	2	28(6	CARDINAL
esutjss-178	355	3	1129-1157	DATE
esutjss-178	356	1	marston	ORG
esutjss-178	356	2	s.	PERSON
esutjss-178	356	3	li	PERSON
esutjss-178	356	4	z.	PERSON
esutjss-178	356	5	s.	GPE
esutjss-178	356	6	zhang	GPE
esutjss-178	356	7	j., & ghalsasi	ORG
esutjss-178	356	8	2020	DATE
esutjss-178	359	1	51-76	CARDINAL
esutjss-178	361	1	mckinsey & company	ORG
esutjss-178	362	1	2021	CARDINAL
esutjss-178	364	1	https://www.mckinsey.com/industries/financialservices/our-insights/insurance-beyond-digital-the-rise-of-ecosystems-and-platforms mitchell	PERSON
esutjss-178	364	2	2020	DATE
esutjss-178	366	1	mcgraw hill	ORG
esutjss-178	367	1	nigerian insurers association	ORG
esutjss-178	367	2	2020	DATE
esutjss-178	368	1	2020	DATE
esutjss-178	368	2	nigerian	NORP
esutjss-178	369	1	https://www.nia.com.ng/ norman	PERSON
esutjss-178	369	2	2020	DATE
esutjss-178	372	1	obasi	ORG
esutjss-178	372	2	f.	PERSON
esutjss-178	372	3	2021	CARDINAL
esutjss-178	373	1	nigerian	NORP
esutjss-178	374	1	giz	ORG
esutjss-178	375	1	e. e., & anene	PERSON
esutjss-178	375	2	e. l.	PERSON
esutjss-178	375	3	2020	DATE
esutjss-178	376	1	nigeria	GPE
esutjss-178	377	1	the african journal of information systems	ORG
esutjss-178	377	2	167	CARDINAL
esutjss-178	377	3	okonjo	PERSON
esutjss-178	377	4	2021	CARDINAL
esutjss-178	378	1	nigeria	GPE
esutjss-178	379	1	1	CARDINAL
esutjss-178	380	1	82	CARDINAL
esutjss-178	380	2	oseni	NORP
esutjss-178	380	3	e., corrigan	PERSON
esutjss-178	380	4	t., harris	ORG
esutjss-178	380	5	d.	NORP
esutjss-178	380	6	heenan	GPE
esutjss-178	380	7	d.	NORP
esutjss-178	380	8	j., & temitope	ORG
esutjss-178	380	9	2020	DATE
esutjss-178	381	1	africa	LOC
esutjss-178	381	2	2020-2030	DATE
esutjss-178	382	1	brookings africa	GPE
esutjss-178	383	1	j. i.	PERSON
esutjss-178	383	2	2020	DATE
esutjss-178	384	1	nigerian	NORP
esutjss-178	385	1	70-91	CARDINAL
esutjss-178	386	1	payne, a., & frow	ORG
esutjss-178	386	2	2020	DATE
esutjss-178	389	1	pwc	ORG
esutjss-178	389	2	2021	CARDINAL
esutjss-178	390	1	nigeria	GPE
esutjss-178	391	1	https://www.pwc.com/ng/en.html rao	PERSON
esutjss-178	391	2	2017	CARDINAL
esutjss-178	393	1	https://www.insurancejournal.com/news/international/2017/01/05/437452.htm	ORG
esutjss-178	393	2	d. l.	PERSON
esutjss-178	393	3	2016	DATE
esutjss-178	395	1	columbia university press	ORG
esutjss-178	396	1	2020	DATE
esutjss-178	399	1	https://www.interactiondesign.org/literature/article/data-analytics-in-practice-collection-analysis-andpresentation solis	PERSON
esutjss-178	399	2	b.	PERSON
esutjss-178	399	3	j., & hershkowitz	ORG
esutjss-178	399	4	r.	NORP
esutjss-178	399	5	2015	DATE
esutjss-178	400	1	2015	CARDINAL
esutjss-178	401	1	prophet	PERSON
esutjss-178	402	1	j.	GPE
esutjss-178	402	2	schoonheim	GPE
esutjss-178	402	3	rustenburg	GPE
esutjss-178	402	4	e., & rijk	ORG
esutjss-178	402	5	m. (2020).	ORG
esutjss-178	405	1	swan	PERSON
esutjss-178	405	2	2020	DATE
esutjss-178	406	1	blockchain	PERSON
esutjss-178	407	1	o'reilly media	ORG
esutjss-178	408	1	tunde, e. & fatokun	ORG
esutjss-178	408	2	s. (2018	ORG
esutjss-178	409	1	nigerian	NORP
esutjss-178	410	1	journal of technical	ORG
esutjss-178	410	2	7(2	CARDINAL
esutjss-178	410	3	6-19	CARDINAL
esutjss-178	411	1	l. m.	PERSON
esutjss-178	411	2	2020	DATE
esutjss-178	412	1	nigerian	NORP
esutjss-178	413	1	173	CARDINAL
esutjss-178	413	2	2019	DATE
esutjss-178	415	1	28(2	GPE
esutjss-178	415	2	118	CARDINAL
esutjss-178	416	1	warner	ORG
esutjss-178	416	2	k. s.	PERSON
esutjss-178	416	3	m. (	PERSON
esutjss-178	416	4	2019	DATE
esutjss-178	418	1	52(3	CARDINAL
esutjss-178	418	2	326	CARDINAL
esutjss-178	419	1	d., & mcafee, a.	ORG
esutjss-178	419	2	2014	DATE
esutjss-178	421	1	harvard business press	ORG
esutjss-178	422	1	83	CARDINAL
esutjss-178	422	2	2018	DATE
esutjss-178	424	1	t. o.	GPE
esutjss-178	424	2	ajemunigbohun	GPE
esutjss-178	424	3	s. s.	PERSON
esutjss-178	424	4	g. n.	PERSON
esutjss-178	424	5	2017	CARDINAL
esutjss-178	425	1	nigeria	GPE
esutjss-178	426	1	spoudai-journal of economics	ORG
esutjss-178	426	2	69	CARDINAL
esutjss-178	427	1	7	CARDINAL