id	sid	eid	entity	type
esutjss-292	1	1	10	CARDINAL
esutjss-292	1	2	2	CARDINAL
esutjss-292	1	3	2025	CARDINAL
esutjss-292	1	4	social sciences	ORG
esutjss-292	1	5	enugu state university of science	ORG
esutjss-292	2	1	nicholas	PERSON
esutjss-292	3	1	barnabas nwankwo	PERSON
esutjss-292	3	2	enugu state university of science & technology journal	ORG
esutjss-292	3	3	social sciences & humanities	ORG
esutjss-292	3	4	286	CARDINAL
esutjss-292	3	5	olagoke kemisola caroline department of business administration	ORG
esutjss-292	3	6	osun state university	ORG
esutjss-292	3	7	ajimati amos department of business administration	ORG
esutjss-292	3	8	kwara state university	ORG
esutjss-292	3	9	malete	ORG
esutjss-292	3	10	ilorin	NORP
esutjss-292	3	11	kwara state	PERSON
esutjss-292	5	1	jubril tajudeen	PERSON
esutjss-292	5	2	sunday	DATE
esutjss-292	5	3	ojo mathew department	ORG
esutjss-292	5	4	polytechnic offa	ORG
esutjss-292	5	5	kwara state jubril@fedpoffaonline.edu.ng	ORG
esutjss-292	5	6	ilorin	NORP
esutjss-292	5	7	nigeria	GPE
esutjss-292	6	1	ilorin	NORP
esutjss-292	6	2	nigeria	GPE
esutjss-292	7	1	350	CARDINAL
esutjss-292	7	2	8,450	CARDINAL
esutjss-292	8	1	382	CARDINAL
esutjss-292	8	2	cochran	ORG
esutjss-292	10	1	0.724	CARDINAL
esutjss-292	10	2	68.2%	PERCENT
esutjss-292	10	3	0.682	CARDINAL
esutjss-292	14	1	nigeria	GPE
esutjss-292	15	1	fintech	ORG
esutjss-292	16	1	fintech	ORG
esutjss-292	16	2	287	CARDINAL
esutjss-292	16	3	2017	DATE
esutjss-292	17	1	2018	DATE
esutjss-292	18	1	2019	DATE
esutjss-292	19	1	houghton	GPE
esutjss-292	19	2	2017	DATE
esutjss-292	21	1	nigeria	GPE
esutjss-292	21	2	one	CARDINAL
esutjss-292	21	3	adegboye et al.	GPE
esutjss-292	21	4	2020	DATE
esutjss-292	23	1	nigerian	NORP
esutjss-292	23	2	fintech	ORG
esutjss-292	23	3	the last decade	DATE
esutjss-292	23	4	africa	LOC
esutjss-292	23	5	pwc	ORG
esutjss-292	23	6	2020	DATE
esutjss-292	24	1	2021	CARDINAL
esutjss-292	25	1	fintech	ORG
esutjss-292	25	2	nigeria	GPE
esutjss-292	26	1	kwara state	GPE
esutjss-292	27	1	ilorin	NORP
esutjss-292	27	2	kwara state government	ORG
esutjss-292	27	3	2022	CARDINAL
esutjss-292	28	1	nigeria	GPE
esutjss-292	30	1	2020	DATE
esutjss-292	35	1	secondary	ORDINAL
esutjss-292	35	2	2020	DATE
esutjss-292	36	1	abuja	GPE
esutjss-292	36	2	harcourt	GPE
esutjss-292	37	1	288	CARDINAL
esutjss-292	37	2	nigeria	GPE
esutjss-292	38	1	i.	PERSON
esutjss-292	38	2	ilorin	NORP
esutjss-292	38	3	nigeria	GPE
esutjss-292	39	1	ilorin	NORP
esutjss-292	39	2	nigeria	GPE
esutjss-292	40	1	ilorin	NORP
esutjss-292	40	2	nigeria	GPE
esutjss-292	41	1	ilorin	NORP
esutjss-292	41	2	nigeria	GPE
esutjss-292	42	1	nigeria	GPE
esutjss-292	42	2	nigeria	GPE
esutjss-292	42	3	the past decade	DATE
esutjss-292	42	4	africa	LOC
esutjss-292	43	1	fintech	ORG
esutjss-292	43	2	2021	CARDINAL
esutjss-292	44	1	nigerian	NORP
esutjss-292	44	2	fintech	ORG
esutjss-292	44	3	alli	ORG
esutjss-292	44	4	2025	CARDINAL
esutjss-292	44	5	alli & ganiyu	ORG
esutjss-292	44	6	2025	DATE
esutjss-292	45	1	nigeria	GPE
esutjss-292	46	1	cbn	ORG
esutjss-292	46	2	2020	DATE
esutjss-292	49	1	nigeria	GPE
esutjss-292	50	1	2020	DATE
esutjss-292	53	1	nigeria	GPE
esutjss-292	54	1	289	CARDINAL
esutjss-292	54	2	gbenga	PERSON
esutjss-292	54	3	2024	DATE
esutjss-292	54	4	2019	DATE
esutjss-292	55	1	alli & ganiyu	ORG
esutjss-292	55	2	2021	CARDINAL
esutjss-292	57	1	nigeria	GPE
esutjss-292	58	1	fintech	ORG
esutjss-292	58	2	2020	DATE
esutjss-292	60	1	smes	ORG
esutjss-292	60	2	nigeria	GPE
esutjss-292	60	3	nigeria	GPE
esutjss-292	61	1	the national bureau of statistics	ORG
esutjss-292	61	2	around 96%	PERCENT
esutjss-292	61	3	nigeria	GPE
esutjss-292	61	4	about 48%	PERCENT
esutjss-292	61	5	nbs	ORG
esutjss-292	61	6	2021	CARDINAL
esutjss-292	62	1	nigeria	GPE
esutjss-292	64	1	nigerian	NORP
esutjss-292	65	1	smes	ORG
esutjss-292	65	2	2020	DATE
esutjss-292	68	1	nigerian	NORP
esutjss-292	68	2	seasonal	DATE
esutjss-292	69	1	houghton	GPE
esutjss-292	69	2	2017	DATE
esutjss-292	72	1	nigerian	NORP
esutjss-292	73	1	okpara, 2011	DATE
esutjss-292	76	1	2020	DATE
esutjss-292	77	1	290	CARDINAL
esutjss-292	79	1	dahlberg et al.	PERSON
esutjss-292	79	2	2015	DATE
esutjss-292	82	1	one	CARDINAL
esutjss-292	82	2	2021	CARDINAL
esutjss-292	85	1	senyo & osabutey	ORG
esutjss-292	85	2	2020	DATE
esutjss-292	89	1	2017	DATE
esutjss-292	92	1	2020	DATE
esutjss-292	95	1	2019	DATE
esutjss-292	99	1	291	CARDINAL
esutjss-292	99	2	ouma et al.	PERSON
esutjss-292	99	3	2021	CARDINAL
esutjss-292	102	1	weeks	DATE
esutjss-292	102	2	months	DATE
esutjss-292	103	1	hours or days	DATE
esutjss-292	103	2	2020	DATE
esutjss-292	106	1	2020	DATE
esutjss-292	111	1	davis	PERSON
esutjss-292	111	2	1989	DATE
esutjss-292	112	1	tam	ORG
esutjss-292	112	2	fintech	ORG
esutjss-292	113	1	two	CARDINAL
esutjss-292	116	1	tam	ORG
esutjss-292	116	2	fintech	ORG
esutjss-292	120	1	fintech	ORG
esutjss-292	120	2	292	CARDINAL
esutjss-292	120	3	kwara state	GPE
esutjss-292	120	4	nigeria	GPE
esutjss-292	121	1	over 1.5 million	CARDINAL
esutjss-292	121	2	2021	CARDINAL
esutjss-292	123	1	southern nigeria	LOC
esutjss-292	125	1	saunders et al.	PERSON
esutjss-292	125	2	2019	DATE
esutjss-292	127	1	the kwara state ministry of commerce	ORG
esutjss-292	127	2	nigeria	GPE
esutjss-292	127	3	2022	CARDINAL
esutjss-292	130	1	1	CARDINAL
esutjss-292	130	2	at least two years	DATE
esutjss-292	130	3	2	CARDINAL
esutjss-292	130	4	annual	DATE
esutjss-292	130	5	5 million	CARDINAL
esutjss-292	130	6	500 million	CARDINAL
esutjss-292	130	7	nigeria	GPE
esutjss-292	130	8	3	CARDINAL
esutjss-292	130	9	4	CARDINAL
esutjss-292	132	1	cochran	ORG
esutjss-292	132	2	382	CARDINAL
esutjss-292	132	3	95%	PERCENT
esutjss-292	132	4	5%	PERCENT
esutjss-292	132	5	0.5	CARDINAL
esutjss-292	133	1	𝑍²	CARDINAL
esutjss-292	133	2	1	CARDINAL
esutjss-292	133	3	2,871	CARDINAL
esutjss-292	133	4	34.0%	PERCENT
esutjss-292	133	5	130	CARDINAL
esutjss-292	133	6	2,366	CARDINAL
esutjss-292	133	7	28.0%	PERCENT
esutjss-292	133	8	107	CARDINAL
esutjss-292	133	9	1,521	CARDINAL
esutjss-292	133	10	18.0%	PERCENT
esutjss-292	133	11	69	CARDINAL
esutjss-292	133	12	1,183	CARDINAL
esutjss-292	133	13	14.0%	PERCENT
esutjss-292	133	14	507 6.0%	PERCENT
esutjss-292	133	15	23	CARDINAL
esutjss-292	133	16	100.0%	PERCENT
esutjss-292	133	17	382	CARDINAL
esutjss-292	133	18	2022	CARDINAL
esutjss-292	133	19	293	CARDINAL
esutjss-292	134	1	30	CARDINAL
esutjss-292	135	1	5	CARDINAL
esutjss-292	136	1	5	CARDINAL
esutjss-292	136	2	between 1	CARDINAL
esutjss-292	136	3	5	CARDINAL
esutjss-292	139	1	a period of eight weeks	DATE
esutjss-292	142	1	spss	ORG
esutjss-292	142	2	28.0	CARDINAL
esutjss-292	145	1	1	CARDINAL
esutjss-292	146	1	2	CARDINAL
esutjss-292	147	1	β₁	ORG
esutjss-292	148	1	2	CARDINAL
esutjss-292	148	2	234	CARDINAL
esutjss-292	148	3	141 37.6	CARDINAL
esutjss-292	148	4	375	CARDINAL
esutjss-292	148	5	100.0	CARDINAL
esutjss-292	148	6	18-30 years 89	DATE
esutjss-292	148	7	31-40 years	DATE
esutjss-292	148	8	37.9 294 41-50 years	QUANTITY
esutjss-292	148	9	9.6	CARDINAL
esutjss-292	148	10	375 100.0	CARDINAL
esutjss-292	148	11	67 17.9	CARDINAL
esutjss-292	148	12	98 26.1	CARDINAL
esutjss-292	148	13	156	CARDINAL
esutjss-292	148	14	41.6	CARDINAL
esutjss-292	148	15	54 14.4	CARDINAL
esutjss-292	148	16	375 100.0	CARDINAL
esutjss-292	148	17	2-5 years	DATE
esutjss-292	148	18	35.7 6-10 years	TIME
esutjss-292	148	19	34.1 11-15 years	TIME
esutjss-292	148	20	375 100.0	CARDINAL
esutjss-292	148	21	1-10	CARDINAL
esutjss-292	148	22	198	CARDINAL
esutjss-292	148	23	52.8	CARDINAL
esutjss-292	148	24	11-50	CARDINAL
esutjss-292	148	25	134	CARDINAL
esutjss-292	148	26	35.7 medium	QUANTITY
esutjss-292	148	27	51-200	CARDINAL
esutjss-292	148	28	43 11.5	CARDINAL
esutjss-292	148	29	375 100.0	CARDINAL
esutjss-292	148	30	annual	DATE
esutjss-292	148	31	5-20 million	MONEY
esutjss-292	148	32	189	CARDINAL
esutjss-292	148	33	50.4	CARDINAL
esutjss-292	148	34	21-50 million 112	MONEY
esutjss-292	148	35	29.9	CARDINAL
esutjss-292	148	36	51-200 million	MONEY
esutjss-292	148	37	14.4	CARDINAL
esutjss-292	148	38	200 million	CARDINAL
esutjss-292	148	39	375 100.0	CARDINAL
esutjss-292	148	40	2025	CARDINAL
esutjss-292	148	41	62.4%	PERCENT
esutjss-292	148	42	nigeria	GPE
esutjss-292	149	1	37.9 percent	PERCENT
esutjss-292	149	2	41-50 years	DATE
esutjss-292	149	3	between 31-40 years	DATE
esutjss-292	150	1	41.6%	PERCENT
esutjss-292	150	2	14.4%	PERCENT
esutjss-292	151	1	2-5 years	DATE
esutjss-292	151	2	35.7%	PERCENT
esutjss-292	151	3	6-10 years	DATE
esutjss-292	151	4	34.1%	PERCENT
esutjss-292	152	1	52.8%	PERCENT
esutjss-292	152	2	1-10	CARDINAL
esutjss-292	152	3	35.7%	PERCENT
esutjss-292	152	4	11-50	CARDINAL
esutjss-292	152	5	11.5%	PERCENT
esutjss-292	152	6	51-200	CARDINAL
esutjss-292	153	1	50.4%	PERCENT
esutjss-292	153	2	5-20 million	MONEY
esutjss-292	153	3	29.9%	PERCENT
esutjss-292	153	4	21-50 million	MONEY
esutjss-292	153	5	annually	DATE
esutjss-292	154	1	3	CARDINAL
esutjss-292	154	2	289 86	PERCENT
esutjss-292	154	3	77.1%	PERCENT
esutjss-292	154	4	234	CARDINAL
esutjss-292	154	5	62.4%	PERCENT
esutjss-292	154	6	178	CARDINAL
esutjss-292	154	7	47.5%	PERCENT
esutjss-292	154	8	123	CARDINAL
esutjss-292	154	9	252	CARDINAL
esutjss-292	154	10	32.8%	PERCENT
esutjss-292	154	11	67	CARDINAL
esutjss-292	154	12	17.9%	PERCENT
esutjss-292	154	13	45	CARDINAL
esutjss-292	154	14	12.0%	PERCENT
esutjss-292	154	15	2024	CARDINAL
esutjss-292	154	16	295	CARDINAL
esutjss-292	155	1	77.1	CARDINAL
esutjss-292	157	1	digital	ORG
esutjss-292	157	2	62.4 percent	PERCENT
esutjss-292	158	1	47.5%	PERCENT
esutjss-292	158	2	32.8	CARDINAL
esutjss-292	159	1	17.9%	PERCENT
esutjss-292	159	2	12.0%	PERCENT
esutjss-292	160	1	4	CARDINAL
esutjss-292	161	1	dev mps	PERSON
esutjss-292	161	2	12	CARDINAL
esutjss-292	161	3	3.2%	PERCENT
esutjss-292	161	4	18	DATE
esutjss-292	161	5	4.8%	PERCENT
esutjss-292	161	6	29	DATE
esutjss-292	161	7	7.7%	PERCENT
esutjss-292	161	8	168	CARDINAL
esutjss-292	161	9	44.8%	PERCENT
esutjss-292	161	10	148	CARDINAL
esutjss-292	161	11	39.5%	PERCENT
esutjss-292	161	12	4.13 0.94	CARDINAL
esutjss-292	161	13	mps	PERSON
esutjss-292	161	14	15	CARDINAL
esutjss-292	161	15	4.0%	PERCENT
esutjss-292	161	16	22	DATE
esutjss-292	161	17	5.9%	PERCENT
esutjss-292	161	18	35	DATE
esutjss-292	161	19	9.3%	PERCENT
esutjss-292	161	20	172	CARDINAL
esutjss-292	161	21	45.9%	PERCENT
esutjss-292	161	22	131	CARDINAL
esutjss-292	161	23	34.9%	PERCENT
esutjss-292	161	24	4.02 0.98	CARDINAL
esutjss-292	161	25	mps	PERSON
esutjss-292	161	26	18	CARDINAL
esutjss-292	161	27	4.8%	PERCENT
esutjss-292	161	28	28	DATE
esutjss-292	161	29	7.5%	PERCENT
esutjss-292	161	30	42	DATE
esutjss-292	161	31	11.2%	PERCENT
esutjss-292	161	32	154	CARDINAL
esutjss-292	161	33	41.1%	PERCENT
esutjss-292	161	34	133	CARDINAL
esutjss-292	161	35	35.5%	PERCENT
esutjss-292	161	36	3.95 1.04	CARDINAL
esutjss-292	161	37	mps	PERSON
esutjss-292	161	38	14	CARDINAL
esutjss-292	161	39	3.7%	PERCENT
esutjss-292	161	40	20	DATE
esutjss-292	161	41	5.3%	PERCENT
esutjss-292	161	42	38	DATE
esutjss-292	161	43	10.1%	PERCENT
esutjss-292	161	44	178	CARDINAL
esutjss-292	161	45	47.5%	PERCENT
esutjss-292	161	46	125	CARDINAL
esutjss-292	161	47	33.3%	PERCENT
esutjss-292	161	48	4.01 0.95	CARDINAL
esutjss-292	161	49	mps	PERSON
esutjss-292	161	50	16	CARDINAL
esutjss-292	161	51	4.3%	PERCENT
esutjss-292	161	52	26	DATE
esutjss-292	161	53	6.9%	PERCENT
esutjss-292	161	54	48	DATE
esutjss-292	161	55	12.8%	PERCENT
esutjss-292	161	56	159	CARDINAL
esutjss-292	161	57	42.4%	PERCENT
esutjss-292	161	58	126	CARDINAL
esutjss-292	161	59	33.6%	PERCENT
esutjss-292	161	60	3.94 1.01	CARDINAL
esutjss-292	161	61	2024	CARDINAL
esutjss-292	162	1	4.13	CARDINAL
esutjss-292	162	2	84.3%	PERCENT
esutjss-292	164	1	4.02	CARDINAL
esutjss-292	164	2	80.8	CARDINAL
esutjss-292	165	1	4.01	CARDINAL
esutjss-292	166	1	3.95	CARDINAL
esutjss-292	166	2	3.94	CARDINAL
esutjss-292	168	1	296	CARDINAL
esutjss-292	168	2	one	CARDINAL
esutjss-292	168	3	6	CARDINAL
esutjss-292	169	1	1	CARDINAL
esutjss-292	169	2	6.8492	CARDINAL
esutjss-292	170	1	46,789.234	CARDINAL
esutjss-292	170	2	17,512.766 373	CARDINAL
esutjss-292	170	3	64,302.000 374	CARDINAL
esutjss-292	171	1	1.247 9.988 .000	MONEY
esutjss-292	171	2	1.832	CARDINAL
esutjss-292	172	1	31.582 .000	CARDINAL
esutjss-292	173	1	0.851	CARDINAL
esutjss-292	173	2	two	CARDINAL
esutjss-292	174	1	0.724	CARDINAL
esutjss-292	174	2	72.4%	PERCENT
esutjss-292	175	1	997.421	CARDINAL
esutjss-292	175	2	0.001	CARDINAL
esutjss-292	176	1	1.832	CARDINAL
esutjss-292	176	2	one	CARDINAL
esutjss-292	176	3	1.832	CARDINAL
esutjss-292	177	1	0.851	CARDINAL
esutjss-292	178	1	ilorin	NORP
esutjss-292	178	2	nigeria	GPE
esutjss-292	179	1	297	CARDINAL
esutjss-292	179	2	two	CARDINAL
esutjss-292	179	3	7	CARDINAL
esutjss-292	180	1	1	CARDINAL
esutjss-292	181	1	8.2147	CARDINAL
esutjss-292	182	1	1 54,321.789	CARDINAL
esutjss-292	182	2	373 67.524	CARDINAL
esutjss-292	182	3	79,500.000 374	CARDINAL
esutjss-292	183	1	15.234	CARDINAL
esutjss-292	183	2	10.462 .000	CARDINAL
esutjss-292	183	3	2.145	CARDINAL
esutjss-292	184	1	28.377 .000	CARDINAL
esutjss-292	185	1	0.826	CARDINAL
esutjss-292	185	2	two	CARDINAL
esutjss-292	186	1	0.682	CARDINAL
esutjss-292	186	2	68.2%	PERCENT
esutjss-292	187	1	805.194	ORG
esutjss-292	187	2	0.001	CARDINAL
esutjss-292	188	1	2.145	CARDINAL
esutjss-292	188	2	one	CARDINAL
esutjss-292	188	3	2.145	CARDINAL
esutjss-292	189	1	0.826	CARDINAL
esutjss-292	190	1	ilorin	NORP
esutjss-292	190	2	nigeria	GPE
esutjss-292	192	1	0.851	CARDINAL
esutjss-292	192	2	0.724	CARDINAL
esutjss-292	193	1	2021	CARDINAL
esutjss-292	193	2	2020	DATE
esutjss-292	195	1	one	CARDINAL
esutjss-292	195	2	nigeria	GPE
esutjss-292	196	1	298	CARDINAL
esutjss-292	197	1	0.851	CARDINAL
esutjss-292	198	1	nigerian	NORP
esutjss-292	202	1	0.826	CARDINAL
esutjss-292	208	1	0.826	CARDINAL
esutjss-292	209	1	nigeria	GPE
esutjss-292	214	1	fintech	ORG
esutjss-292	215	1	fintech	ORG
esutjss-292	215	2	nigerian	NORP
esutjss-292	216	1	fintech	ORG
esutjss-292	217	1	secondary	ORDINAL
esutjss-292	217	2	nigeria	GPE
esutjss-292	218	1	299	CARDINAL
esutjss-292	225	1	nigeria	GPE
esutjss-292	228	1	fintech	ORG
esutjss-292	229	1	1	CARDINAL
esutjss-292	230	1	2	CARDINAL
esutjss-292	231	1	3	CARDINAL
esutjss-292	232	1	4	CARDINAL
esutjss-292	232	2	300	CARDINAL
esutjss-292	233	1	1	CARDINAL
esutjss-292	234	1	2	CARDINAL
esutjss-292	235	1	3	CARDINAL
esutjss-292	236	1	1	CARDINAL
esutjss-292	237	1	2	CARDINAL
esutjss-292	238	1	3	CARDINAL
esutjss-292	245	1	301	CARDINAL
esutjss-292	245	2	adegboye	GPE
esutjss-292	245	3	a.	PERSON
esutjss-292	245	4	s.	GPE
esutjss-292	245	5	adegboye	GPE
esutjss-292	245	6	k., ebuzor	ORG
esutjss-292	245	7	e., & samson	ORG
esutjss-292	245	8	2020	DATE
esutjss-292	246	1	nigerian	NORP
esutjss-292	247	1	21(1	CARDINAL
esutjss-292	247	2	334	CARDINAL
esutjss-292	248	1	alli	ORG
esutjss-292	248	2	2025	DATE
esutjss-292	250	1	alli	ORG
esutjss-292	250	2	n. g.	PERSON
esutjss-292	250	3	k.	PERSON
esutjss-292	250	4	2021	CARDINAL
esutjss-292	251	1	nigeria	GPE
esutjss-292	252	1	nigerian journal of risk and insurance	ORG
esutjss-292	252	2	1-19	CARDINAL
esutjss-292	253	1	alli	ORG
esutjss-292	253	2	n. g.	PERSON
esutjss-292	253	3	k.	PERSON
esutjss-292	253	4	2025	DATE
esutjss-292	254	1	nigeria	GPE
esutjss-292	255	1	the journal of risk management	ORG
esutjss-292	255	2	29(1	CARDINAL
esutjss-292	255	3	17	CARDINAL
esutjss-292	256	1	s. a.	PERSON
esutjss-292	256	2	n. m.	PERSON
esutjss-292	256	3	2019	DATE
esutjss-292	257	1	africa	LOC
esutjss-292	258	1	journal of african business	ORG
esutjss-292	258	2	20(2	CARDINAL
esutjss-292	258	3	259	CARDINAL
esutjss-292	259	1	a. o.	PERSON
esutjss-292	259	2	& houghton	ORG
esutjss-292	259	3	2017	CARDINAL
esutjss-292	261	1	11(2	CARDINAL
esutjss-292	261	2	133	CARDINAL
esutjss-292	262	1	central bank of nigeria	ORG
esutjss-292	263	1	2020	DATE
esutjss-292	264	1	nigeria	GPE
esutjss-292	265	1	abuja: cbn	ORG
esutjss-292	266	1	cochran	ORG
esutjss-292	266	2	w. g.	PERSON
esutjss-292	266	3	1963	DATE
esutjss-292	267	1	2nd	ORDINAL
esutjss-292	268	1	new york	GPE
esutjss-292	268	2	ny	GPE
esutjss-292	268	3	john wiley &	ORG
esutjss-292	269	1	cohen	PERSON
esutjss-292	269	2	j. (	PERSON
esutjss-292	269	3	1988	DATE
esutjss-292	270	1	2nd	ORDINAL
esutjss-292	271	1	hillsdale	GPE
esutjss-292	271	2	nj	ORG
esutjss-292	271	3	lawrence erlbaum	PERSON
esutjss-292	272	1	dahlberg	PERSON
esutjss-292	272	2	t., guo	PERSON
esutjss-292	272	3	j., & ondrus	ORG
esutjss-292	272	4	j. (	PERSON
esutjss-292	272	5	2015	DATE
esutjss-292	274	1	14(5	CARDINAL
esutjss-292	274	2	265	CARDINAL
esutjss-292	275	1	davis	ORG
esutjss-292	275	2	f. d.	PERSON
esutjss-292	275	3	1989	DATE
esutjss-292	277	1	quarterly	DATE
esutjss-292	277	2	13(3	CARDINAL
esutjss-292	277	3	319	CARDINAL
esutjss-292	278	1	a.	PERSON
esutjss-292	278	2	2018	DATE
esutjss-292	279	1	ibm	ORG
esutjss-292	279	2	5th	ORDINAL
esutjss-292	280	1	london	GPE
esutjss-292	281	1	gbenga	PERSON
esutjss-292	281	2	a. n.	PERSON
esutjss-292	281	3	2024	CARDINAL
esutjss-292	282	1	nigeria	GPE
esutjss-292	283	1	journal of technology management	ORG
esutjss-292	283	2	32	CARDINAL
esutjss-292	284	1	j. f.	PERSON
esutjss-292	284	2	w. c.	PERSON
esutjss-292	284	3	babin	ORG
esutjss-292	284	4	b. j.	PERSON
esutjss-292	284	5	anderson	PERSON
esutjss-292	284	6	r. e.	PERSON
esutjss-292	284	7	2019	DATE
esutjss-292	285	1	8th	ORDINAL
esutjss-292	286	1	boston	GPE
esutjss-292	287	1	302	CARDINAL
esutjss-292	287	2	2020	DATE
esutjss-292	289	1	business & management	ORG
esutjss-292	289	2	7(1	CARDINAL
esutjss-292	289	3	1725309	DATE
esutjss-292	290	1	kwara state	PERSON
esutjss-292	291	1	2022	CARDINAL
esutjss-292	292	1	kwara state economic development	ORG
esutjss-292	292	2	2019-2023	DATE
esutjss-292	294	1	national bureau of statistics	ORG
esutjss-292	295	1	2021	CARDINAL
esutjss-292	297	1	abuja:	ORG
esutjss-292	300	1	2021	CARDINAL
esutjss-292	302	1	okpara	PERSON
esutjss-292	302	2	j. o.	PERSON
esutjss-292	302	3	2011	DATE
esutjss-292	303	1	nigeria	GPE
esutjss-292	304	1	156	CARDINAL
esutjss-292	305	1	oshodin	ORG
esutjss-292	305	2	karanasios, s., & hartley	ORG
esutjss-292	305	3	k.	PERSON
esutjss-292	305	4	2021	CARDINAL
esutjss-292	308	1	164	CARDINAL
esutjss-292	308	2	120521	DATE
esutjss-292	309	1	s. a.	PERSON
esutjss-292	309	2	t. m., & were	ORG
esutjss-292	309	3	m.	PERSON
esutjss-292	309	4	2021	CARDINAL
esutjss-292	311	1	7(1	CARDINAL
esutjss-292	311	2	29	CARDINAL
esutjss-292	311	3	p. k.	PERSON
esutjss-292	312	1	2018	DATE
esutjss-292	314	1	borsa istanbul review	ORG
esutjss-292	314	2	18(4	CARDINAL
esutjss-292	314	3	329	CARDINAL
esutjss-292	315	1	p. k.	PERSON
esutjss-292	316	1	2020	DATE
esutjss-292	318	1	457	CARDINAL
esutjss-292	319	1	2017	CARDINAL
esutjss-292	320	1	fintech	ORG
esutjss-292	321	1	business & information systems	ORG
esutjss-292	321	2	59(1	CARDINAL
esutjss-292	321	3	69	CARDINAL
esutjss-292	322	1	pwc	ORG
esutjss-292	323	1	2020	DATE
esutjss-292	324	1	nigeria	GPE
esutjss-292	324	2	2020	DATE
esutjss-292	325	1	pricewaterhousecoopers.	ORG
esutjss-292	326	1	saunders	ORG
esutjss-292	326	2	m., lewis, p.,	PERSON
esutjss-292	326	3	& thornhill	ORG
esutjss-292	326	4	a.	PERSON
esutjss-292	326	5	2019	DATE
esutjss-292	327	1	8th	ORDINAL
esutjss-292	328	1	london	GPE
esutjss-292	329	1	sawilowsky	ORG
esutjss-292	329	2	s. s.	PERSON
esutjss-292	329	3	2009	DATE
esutjss-292	331	1	8(2	CARDINAL
esutjss-292	331	2	597	CARDINAL
esutjss-292	332	1	senyo	GPE
esutjss-292	332	2	p. k.	PERSON
esutjss-292	332	3	e. l.	PERSON
esutjss-292	332	4	2020	DATE
esutjss-292	334	1	technovation	ORG
esutjss-292	334	2	98, 102155	DATE
esutjss-292	335	1	smedan	PERSON
esutjss-292	336	1	2022	CARDINAL
esutjss-292	338	1	nigeria	GPE
esutjss-292	339	1	7	CARDINAL