id	sid	tid	token	lemma	pos
esutjss-292	1	1	volume	volume	NOUN
esutjss-292	1	2	10	10	NUM
esutjss-292	1	3	number	number	NOUN
esutjss-292	1	4	2	2	NUM
esutjss-292	1	5	,	,	PUNCT
esutjss-292	1	6	2025	2025	NUM
esutjss-292	1	7	faculty	faculty	NOUN
esutjss-292	1	8	of	of	ADP
esutjss-292	1	9	social	social	ADJ
esutjss-292	1	10	sciences	science	NOUN
esutjss-292	1	11	,	,	PUNCT
esutjss-292	1	12	enugu	enugu	PROPN
esutjss-292	1	13	state	state	PROPN
esutjss-292	1	14	university	university	PROPN
esutjss-292	1	15	of	of	ADP
esutjss-292	1	16	science	science	NOUN
esutjss-292	1	17	and	and	CCONJ
esutjss-292	1	18	technology	technology	NOUN
esutjss-292	1	19	editor	editor	NOUN
esutjss-292	1	20	-	-	PUNCT
esutjss-292	1	21	in	in	ADP
esutjss-292	1	22	-	-	PUNCT
esutjss-292	1	23	chief	chief	NOUN
esutjss-292	1	24	prof	prof	NOUN
esutjss-292	1	25	.	.	PUNCT
esutjss-292	2	1	nicholas	nicholas	PROPN
esutjss-292	2	2	attamah	attamah	VERB
esutjss-292	2	3	managing	manage	VERB
esutjss-292	2	4	editor	editor	NOUN
esutjss-292	2	5	prof	prof	PROPN
esutjss-292	2	6	.	.	PUNCT
esutjss-292	3	1	barnabas	barnabas	PROPN
esutjss-292	3	2	nwankwo	nwankwo	PROPN
esutjss-292	3	3	published	publish	VERB
esutjss-292	3	4	by	by	ADP
esutjss-292	3	5	enugu	enugu	PROPN
esutjss-292	3	6	state	state	PROPN
esutjss-292	3	7	university	university	PROPN
esutjss-292	3	8	of	of	ADP
esutjss-292	3	9	science	science	PROPN
esutjss-292	3	10	&	&	CCONJ
esutjss-292	3	11	technology	technology	PROPN
esutjss-292	3	12	journal	journal	NOUN
esutjss-292	3	13	of	of	ADP
esutjss-292	3	14	social	social	PROPN
esutjss-292	3	15	sciences	sciences	PROPN
esutjss-292	3	16	&	&	CCONJ
esutjss-292	3	17	humanities	humanity	NOUN
esutjss-292	3	18	286	286	NUM
esutjss-292	3	19	the	the	DET
esutjss-292	3	20	adoption	adoption	NOUN
esutjss-292	3	21	of	of	ADP
esutjss-292	3	22	fintech	fintech	NOUN
esutjss-292	3	23	solutions	solution	NOUN
esutjss-292	3	24	by	by	ADP
esutjss-292	3	25	small	small	ADJ
esutjss-292	3	26	and	and	CCONJ
esutjss-292	3	27	medium	medium	ADJ
esutjss-292	3	28	enterprises	enterprise	NOUN
esutjss-292	3	29	(	(	PUNCT
esutjss-292	3	30	smes	sme	NOUN
esutjss-292	3	31	)	)	PUNCT
esutjss-292	3	32	in	in	ADP
esutjss-292	3	33	ilorin	ilorin	NOUN
esutjss-292	3	34	:	:	PUNCT
esutjss-292	3	35	a	a	DET
esutjss-292	3	36	study	study	NOUN
esutjss-292	3	37	of	of	ADP
esutjss-292	3	38	its	its	PRON
esutjss-292	3	39	impact	impact	NOUN
esutjss-292	3	40	on	on	ADP
esutjss-292	3	41	financial	financial	ADJ
esutjss-292	3	42	management	management	NOUN
esutjss-292	3	43	and	and	CCONJ
esutjss-292	3	44	business	business	NOUN
esutjss-292	3	45	performance	performance	NOUN
esutjss-292	3	46	olagoke	olagoke	VERB
esutjss-292	3	47	kemisola	kemisola	PROPN
esutjss-292	3	48	caroline	caroline	PROPN
esutjss-292	3	49	department	department	PROPN
esutjss-292	3	50	of	of	ADP
esutjss-292	3	51	business	business	PROPN
esutjss-292	3	52	administration	administration	PROPN
esutjss-292	3	53	,	,	PUNCT
esutjss-292	3	54	osun	osun	PROPN
esutjss-292	3	55	state	state	PROPN
esutjss-292	3	56	university	university	PROPN
esutjss-292	3	57	,	,	PUNCT
esutjss-292	3	58	osogbo	osogbo	PROPN
esutjss-292	3	59	,	,	PUNCT
esutjss-292	3	60	osun	osun	PROPN
esutjss-292	3	61	state	state	PROPN
esutjss-292	3	62	huspride77@gmail.com	huspride77@gmail.com	PROPN
esutjss-292	3	63	ajimati	ajimati	PROPN
esutjss-292	3	64	amos	amos	PROPN
esutjss-292	3	65	department	department	PROPN
esutjss-292	3	66	of	of	ADP
esutjss-292	3	67	business	business	PROPN
esutjss-292	3	68	administration	administration	NOUN
esutjss-292	3	69	and	and	CCONJ
esutjss-292	3	70	entrepreneurship	entrepreneurship	NOUN
esutjss-292	3	71	,	,	PUNCT
esutjss-292	3	72	kwara	kwara	PROPN
esutjss-292	3	73	state	state	PROPN
esutjss-292	3	74	university	university	PROPN
esutjss-292	3	75	,	,	PUNCT
esutjss-292	3	76	malete	malete	NOUN
esutjss-292	3	77	,	,	PUNCT
esutjss-292	3	78	ilorin	ilorin	PROPN
esutjss-292	3	79	,	,	PUNCT
esutjss-292	3	80	kwara	kwara	PROPN
esutjss-292	3	81	state	state	PROPN
esutjss-292	3	82	.	.	PUNCT
esutjss-292	4	1	ajimatiamos@gmail.com	ajimatiamos@gmail.com	X
esutjss-292	5	1	jubril	jubril	PROPN
esutjss-292	5	2	tajudeen	tajudeen	PROPN
esutjss-292	5	3	sunday	sunday	PROPN
esutjss-292	5	4	bamidele	bamidele	PROPN
esutjss-292	5	5	ojo	ojo	PROPN
esutjss-292	5	6	mathew	mathew	PROPN
esutjss-292	5	7	department	department	PROPN
esutjss-292	5	8	of	of	ADP
esutjss-292	5	9	banking	banking	NOUN
esutjss-292	5	10	and	and	CCONJ
esutjss-292	5	11	finance	finance	NOUN
esutjss-292	5	12	,	,	PUNCT
esutjss-292	5	13	federal	federal	ADJ
esutjss-292	5	14	polytechnic	polytechnic	ADJ
esutjss-292	5	15	offa	offa	NOUN
esutjss-292	5	16	,	,	PUNCT
esutjss-292	5	17	offa	offa	NOUN
esutjss-292	5	18	,	,	PUNCT
esutjss-292	5	19	kwara	kwara	PROPN
esutjss-292	5	20	state	state	PROPN
esutjss-292	5	21	jubril@fedpoffaonline.edu.ng	jubril@fedpoffaonline.edu.ng	PROPN
esutjss-292	5	22	;	;	PUNCT
esutjss-292	5	23	bamideleojomatthew123@gmail.com	bamideleojomatthew123@gmail.com	X
esutjss-292	5	24	abstract	abstract	NOUN
esutjss-292	5	25	this	this	DET
esutjss-292	5	26	study	study	NOUN
esutjss-292	5	27	examined	examine	VERB
esutjss-292	5	28	the	the	DET
esutjss-292	5	29	adoption	adoption	NOUN
esutjss-292	5	30	of	of	ADP
esutjss-292	5	31	financial	financial	ADJ
esutjss-292	5	32	technology	technology	NOUN
esutjss-292	5	33	(	(	PUNCT
esutjss-292	5	34	fintech	fintech	NOUN
esutjss-292	5	35	)	)	PUNCT
esutjss-292	5	36	solutions	solution	NOUN
esutjss-292	5	37	by	by	ADP
esutjss-292	5	38	small	small	ADJ
esutjss-292	5	39	and	and	CCONJ
esutjss-292	5	40	medium	medium	ADJ
esutjss-292	5	41	enterprises	enterprise	NOUN
esutjss-292	5	42	(	(	PUNCT
esutjss-292	5	43	smes	sme	NOUN
esutjss-292	5	44	)	)	PUNCT
esutjss-292	5	45	in	in	ADP
esutjss-292	5	46	ilorin	ilorin	NOUN
esutjss-292	5	47	,	,	PUNCT
esutjss-292	5	48	nigeria	nigeria	PROPN
esutjss-292	5	49	,	,	PUNCT
esutjss-292	5	50	and	and	CCONJ
esutjss-292	5	51	its	its	PRON
esutjss-292	5	52	impact	impact	NOUN
esutjss-292	5	53	on	on	ADP
esutjss-292	5	54	financial	financial	ADJ
esutjss-292	5	55	management	management	NOUN
esutjss-292	5	56	and	and	CCONJ
esutjss-292	5	57	business	business	NOUN
esutjss-292	5	58	performance	performance	NOUN
esutjss-292	5	59	.	.	PUNCT
esutjss-292	6	1	specifically	specifically	ADV
esutjss-292	6	2	,	,	PUNCT
esutjss-292	6	3	the	the	DET
esutjss-292	6	4	study	study	NOUN
esutjss-292	6	5	assessed	assess	VERB
esutjss-292	6	6	the	the	DET
esutjss-292	6	7	effect	effect	NOUN
esutjss-292	6	8	of	of	ADP
esutjss-292	6	9	mobile	mobile	ADJ
esutjss-292	6	10	payment	payment	NOUN
esutjss-292	6	11	systems	system	NOUN
esutjss-292	6	12	and	and	CCONJ
esutjss-292	6	13	evaluated	evaluate	VERB
esutjss-292	6	14	the	the	DET
esutjss-292	6	15	impact	impact	NOUN
esutjss-292	6	16	of	of	ADP
esutjss-292	6	17	digital	digital	ADJ
esutjss-292	6	18	lending	lending	NOUN
esutjss-292	6	19	platforms	platform	NOUN
esutjss-292	6	20	on	on	ADP
esutjss-292	6	21	the	the	DET
esutjss-292	6	22	financial	financial	ADJ
esutjss-292	6	23	management	management	NOUN
esutjss-292	6	24	and	and	CCONJ
esutjss-292	6	25	performance	performance	NOUN
esutjss-292	6	26	of	of	ADP
esutjss-292	6	27	smes	sme	NOUN
esutjss-292	6	28	in	in	ADP
esutjss-292	6	29	ilorin	ilorin	PROPN
esutjss-292	6	30	,	,	PUNCT
esutjss-292	6	31	nigeria	nigeria	PROPN
esutjss-292	6	32	.	.	PUNCT
esutjss-292	7	1	the	the	DET
esutjss-292	7	2	study	study	NOUN
esutjss-292	7	3	adopted	adopt	VERB
esutjss-292	7	4	a	a	DET
esutjss-292	7	5	descriptive	descriptive	ADJ
esutjss-292	7	6	survey	survey	NOUN
esutjss-292	7	7	design	design	NOUN
esutjss-292	7	8	using	use	VERB
esutjss-292	7	9	purposive	purposive	NOUN
esutjss-292	7	10	sampling	sampling	NOUN
esutjss-292	7	11	to	to	PART
esutjss-292	7	12	select	select	VERB
esutjss-292	7	13	350	350	NUM
esutjss-292	7	14	smes	sme	NOUN
esutjss-292	7	15	across	across	ADP
esutjss-292	7	16	various	various	ADJ
esutjss-292	7	17	sectors	sector	NOUN
esutjss-292	7	18	in	in	ADP
esutjss-292	7	19	ilorin	ilorin	PROPN
esutjss-292	7	20	metropolis	metropolis	PROPN
esutjss-292	7	21	,	,	PUNCT
esutjss-292	7	22	yielding	yield	VERB
esutjss-292	7	23	a	a	DET
esutjss-292	7	24	population	population	NOUN
esutjss-292	7	25	of	of	ADP
esutjss-292	7	26	8,450	8,450	NUM
esutjss-292	7	27	sme	sme	NOUN
esutjss-292	7	28	operators	operator	NOUN
esutjss-292	7	29	.	.	PUNCT
esutjss-292	8	1	a	a	DET
esutjss-292	8	2	sample	sample	NOUN
esutjss-292	8	3	of	of	ADP
esutjss-292	8	4	382	382	NUM
esutjss-292	8	5	sme	sme	NOUN
esutjss-292	8	6	owners	owner	NOUN
esutjss-292	8	7	/	/	SYM
esutjss-292	8	8	managers	manager	NOUN
esutjss-292	8	9	was	be	AUX
esutjss-292	8	10	drawn	draw	VERB
esutjss-292	8	11	using	use	VERB
esutjss-292	8	12	cochran	cochran	NOUN
esutjss-292	8	13	's	's	PART
esutjss-292	8	14	formula	formula	NOUN
esutjss-292	8	15	.	.	PUNCT
esutjss-292	9	1	data	datum	NOUN
esutjss-292	9	2	was	be	AUX
esutjss-292	9	3	collected	collect	VERB
esutjss-292	9	4	through	through	ADP
esutjss-292	9	5	structured	structured	ADJ
esutjss-292	9	6	questionnaires	questionnaire	NOUN
esutjss-292	9	7	and	and	CCONJ
esutjss-292	9	8	analyzed	analyze	VERB
esutjss-292	9	9	using	use	VERB
esutjss-292	9	10	simple	simple	ADJ
esutjss-292	9	11	linear	linear	ADJ
esutjss-292	9	12	regression	regression	NOUN
esutjss-292	9	13	.	.	PUNCT
esutjss-292	10	1	the	the	DET
esutjss-292	10	2	analysis	analysis	NOUN
esutjss-292	10	3	confirmed	confirm	VERB
esutjss-292	10	4	that	that	SCONJ
esutjss-292	10	5	mobile	mobile	ADJ
esutjss-292	10	6	payment	payment	NOUN
esutjss-292	10	7	systems	system	NOUN
esutjss-292	10	8	significantly	significantly	ADV
esutjss-292	10	9	enhance	enhance	VERB
esutjss-292	10	10	financial	financial	ADJ
esutjss-292	10	11	management	management	NOUN
esutjss-292	10	12	efficiency	efficiency	NOUN
esutjss-292	10	13	(	(	PUNCT
esutjss-292	10	14	r²	r²	NOUN
esutjss-292	10	15	=	=	NOUN
esutjss-292	10	16	0.724	0.724	NUM
esutjss-292	10	17	,	,	PUNCT
esutjss-292	10	18	p	p	X
esutjss-292	10	19	=	=	NOUN
esutjss-292	10	20	0.000	0.000	NUM
esutjss-292	10	21	)	)	PUNCT
esutjss-292	10	22	,	,	PUNCT
esutjss-292	10	23	while	while	SCONJ
esutjss-292	10	24	digital	digital	ADJ
esutjss-292	10	25	lending	lending	NOUN
esutjss-292	10	26	platforms	platform	NOUN
esutjss-292	10	27	demonstrate	demonstrate	VERB
esutjss-292	10	28	a	a	DET
esutjss-292	10	29	strong	strong	ADJ
esutjss-292	10	30	positive	positive	ADJ
esutjss-292	10	31	effect	effect	NOUN
esutjss-292	10	32	on	on	ADP
esutjss-292	10	33	business	business	NOUN
esutjss-292	10	34	performance	performance	NOUN
esutjss-292	10	35	,	,	PUNCT
esutjss-292	10	36	explaining	explain	VERB
esutjss-292	10	37	68.2	68.2	NUM
esutjss-292	10	38	%	%	NOUN
esutjss-292	10	39	of	of	ADP
esutjss-292	10	40	the	the	DET
esutjss-292	10	41	variation	variation	NOUN
esutjss-292	10	42	(	(	PUNCT
esutjss-292	10	43	r²	r²	NOUN
esutjss-292	10	44	=	=	PUNCT
esutjss-292	10	45	0.682	0.682	NUM
esutjss-292	10	46	,	,	PUNCT
esutjss-292	10	47	p	p	X
esutjss-292	10	48	=	=	NOUN
esutjss-292	10	49	0.000	0.000	NUM
esutjss-292	10	50	)	)	PUNCT
esutjss-292	10	51	.	.	PUNCT
esutjss-292	11	1	the	the	DET
esutjss-292	11	2	study	study	NOUN
esutjss-292	11	3	concluded	conclude	VERB
esutjss-292	11	4	that	that	SCONJ
esutjss-292	11	5	fintech	fintech	NOUN
esutjss-292	11	6	adoption	adoption	NOUN
esutjss-292	11	7	is	be	AUX
esutjss-292	11	8	a	a	DET
esutjss-292	11	9	critical	critical	ADJ
esutjss-292	11	10	driver	driver	NOUN
esutjss-292	11	11	of	of	ADP
esutjss-292	11	12	sme	sme	PROPN
esutjss-292	11	13	success	success	NOUN
esutjss-292	11	14	,	,	PUNCT
esutjss-292	11	15	with	with	ADP
esutjss-292	11	16	mobile	mobile	ADJ
esutjss-292	11	17	payment	payment	NOUN
esutjss-292	11	18	systems	system	NOUN
esutjss-292	11	19	improving	improve	VERB
esutjss-292	11	20	transaction	transaction	NOUN
esutjss-292	11	21	efficiency	efficiency	NOUN
esutjss-292	11	22	and	and	CCONJ
esutjss-292	11	23	cash	cash	NOUN
esutjss-292	11	24	flow	flow	NOUN
esutjss-292	11	25	management	management	NOUN
esutjss-292	11	26	,	,	PUNCT
esutjss-292	11	27	while	while	SCONJ
esutjss-292	11	28	digital	digital	ADJ
esutjss-292	11	29	lending	lending	NOUN
esutjss-292	11	30	platforms	platform	NOUN
esutjss-292	11	31	enhance	enhance	VERB
esutjss-292	11	32	access	access	NOUN
esutjss-292	11	33	to	to	ADP
esutjss-292	11	34	capital	capital	NOUN
esutjss-292	11	35	and	and	CCONJ
esutjss-292	11	36	growth	growth	NOUN
esutjss-292	11	37	opportunities	opportunity	NOUN
esutjss-292	11	38	.	.	PUNCT
esutjss-292	12	1	the	the	DET
esutjss-292	12	2	findings	finding	NOUN
esutjss-292	12	3	emphasize	emphasize	VERB
esutjss-292	12	4	the	the	DET
esutjss-292	12	5	transformative	transformative	ADJ
esutjss-292	12	6	potential	potential	NOUN
esutjss-292	12	7	of	of	ADP
esutjss-292	12	8	financial	financial	ADJ
esutjss-292	12	9	technology	technology	NOUN
esutjss-292	12	10	in	in	ADP
esutjss-292	12	11	empowering	empower	VERB
esutjss-292	12	12	smes	sme	NOUN
esutjss-292	12	13	to	to	PART
esutjss-292	12	14	overcome	overcome	VERB
esutjss-292	12	15	traditional	traditional	ADJ
esutjss-292	12	16	banking	banking	NOUN
esutjss-292	12	17	barriers	barrier	NOUN
esutjss-292	12	18	and	and	CCONJ
esutjss-292	12	19	achieve	achieve	VERB
esutjss-292	12	20	sustainable	sustainable	ADJ
esutjss-292	12	21	growth	growth	NOUN
esutjss-292	12	22	.	.	PUNCT
esutjss-292	13	1	it	it	PRON
esutjss-292	13	2	is	be	AUX
esutjss-292	13	3	recommended	recommend	VERB
esutjss-292	13	4	that	that	SCONJ
esutjss-292	13	5	smes	sme	NOUN
esutjss-292	13	6	should	should	AUX
esutjss-292	13	7	accelerate	accelerate	VERB
esutjss-292	13	8	fintech	fintech	NOUN
esutjss-292	13	9	adoption	adoption	NOUN
esutjss-292	13	10	through	through	ADP
esutjss-292	13	11	strategic	strategic	ADJ
esutjss-292	13	12	partnerships	partnership	NOUN
esutjss-292	13	13	,	,	PUNCT
esutjss-292	13	14	digital	digital	ADJ
esutjss-292	13	15	literacy	literacy	NOUN
esutjss-292	13	16	programs	program	NOUN
esutjss-292	13	17	,	,	PUNCT
esutjss-292	13	18	and	and	CCONJ
esutjss-292	13	19	integration	integration	NOUN
esutjss-292	13	20	of	of	ADP
esutjss-292	13	21	multiple	multiple	ADJ
esutjss-292	13	22	fintech	fintech	NOUN
esutjss-292	13	23	solutions	solution	NOUN
esutjss-292	13	24	to	to	PART
esutjss-292	13	25	maximize	maximize	VERB
esutjss-292	13	26	competitive	competitive	ADJ
esutjss-292	13	27	advantage	advantage	NOUN
esutjss-292	13	28	and	and	CCONJ
esutjss-292	13	29	operational	operational	ADJ
esutjss-292	13	30	efficiency	efficiency	NOUN
esutjss-292	13	31	.	.	PUNCT
esutjss-292	14	1	keywords	keyword	NOUN
esutjss-292	14	2	:	:	PUNCT
esutjss-292	14	3	fintech	fintech	NOUN
esutjss-292	14	4	adoption	adoption	NOUN
esutjss-292	14	5	,	,	PUNCT
esutjss-292	14	6	smes	sme	NOUN
esutjss-292	14	7	,	,	PUNCT
esutjss-292	14	8	mobile	mobile	ADJ
esutjss-292	14	9	payment	payment	NOUN
esutjss-292	14	10	systems	system	NOUN
esutjss-292	14	11	,	,	PUNCT
esutjss-292	14	12	digital	digital	ADJ
esutjss-292	14	13	lending	lending	NOUN
esutjss-292	14	14	platforms	platform	NOUN
esutjss-292	14	15	,	,	PUNCT
esutjss-292	14	16	financial	financial	ADJ
esutjss-292	14	17	management	management	NOUN
esutjss-292	14	18	,	,	PUNCT
esutjss-292	14	19	business	business	NOUN
esutjss-292	14	20	performance	performance	NOUN
esutjss-292	14	21	,	,	PUNCT
esutjss-292	14	22	nigeria	nigeria	PROPN
esutjss-292	14	23	.	.	PUNCT
esutjss-292	15	1	introduction	introduction	NOUN
esutjss-292	15	2	fintech	fintech	NOUN
esutjss-292	15	3	is	be	AUX
esutjss-292	15	4	a	a	DET
esutjss-292	15	5	new	new	ADJ
esutjss-292	15	6	paradigm	paradigm	NOUN
esutjss-292	15	7	shift	shift	NOUN
esutjss-292	15	8	in	in	ADP
esutjss-292	15	9	the	the	DET
esutjss-292	15	10	way	way	NOUN
esutjss-292	15	11	financial	financial	ADJ
esutjss-292	15	12	services	service	NOUN
esutjss-292	15	13	are	be	AUX
esutjss-292	15	14	provided	provide	VERB
esutjss-292	15	15	,	,	PUNCT
esutjss-292	15	16	consumed	consume	VERB
esutjss-292	15	17	and	and	CCONJ
esutjss-292	15	18	operated	operate	VERB
esutjss-292	15	19	in	in	ADP
esutjss-292	15	20	the	the	DET
esutjss-292	15	21	world	world	NOUN
esutjss-292	15	22	.	.	PUNCT
esutjss-292	16	1	fintech	fintech	NOUN
esutjss-292	16	2	is	be	AUX
esutjss-292	16	3	associated	associate	VERB
esutjss-292	16	4	with	with	ADP
esutjss-292	16	5	the	the	DET
esutjss-292	16	6	implementation	implementation	NOUN
esutjss-292	16	7	of	of	ADP
esutjss-292	16	8	technology	technology	NOUN
esutjss-292	16	9	to	to	PART
esutjss-292	16	10	offer	offer	VERB
esutjss-292	16	11	financial	financial	ADJ
esutjss-292	16	12	services	service	NOUN
esutjss-292	16	13	in	in	ADP
esutjss-292	16	14	order	order	NOUN
esutjss-292	16	15	to	to	PART
esutjss-292	16	16	enhance	enhance	VERB
esutjss-292	16	17	their	their	PRON
esutjss-292	16	18	services	service	NOUN
esutjss-292	16	19	delivery	delivery	NOUN
esutjss-292	16	20	and	and	CCONJ
esutjss-292	16	21	consumption	consumption	NOUN
esutjss-292	16	22	by	by	ADP
esutjss-292	16	23	businesses	business	NOUN
esutjss-292	16	24	mailto:huspride77@gmail.com	mailto:huspride77@gmail.com	PROPN
esutjss-292	16	25	mailto:ajimatiamos@gmail.com	mailto:ajimatiamos@gmail.com	PROPN
esutjss-292	16	26	mailto:jubril@fedpoffaonline.edu.ng	mailto:jubril@fedpoffaonline.edu.ng	ADV
esutjss-292	16	27	287	287	NUM
esutjss-292	16	28	and	and	CCONJ
esutjss-292	16	29	consumers	consumer	NOUN
esutjss-292	16	30	(	(	PUNCT
esutjss-292	16	31	puschmann	puschmann	PROPN
esutjss-292	16	32	,	,	PUNCT
esutjss-292	16	33	2017	2017	NUM
esutjss-292	16	34	)	)	PUNCT
esutjss-292	16	35	.	.	PUNCT
esutjss-292	17	1	the	the	DET
esutjss-292	17	2	immensely	immensely	ADV
esutjss-292	17	3	fast	fast	ADJ
esutjss-292	17	4	development	development	NOUN
esutjss-292	17	5	of	of	ADP
esutjss-292	17	6	digital	digital	ADJ
esutjss-292	17	7	technologies	technology	NOUN
esutjss-292	17	8	has	have	AUX
esutjss-292	17	9	radically	radically	ADV
esutjss-292	17	10	changed	change	VERB
esutjss-292	17	11	the	the	DET
esutjss-292	17	12	business	business	NOUN
esutjss-292	17	13	environment	environment	NOUN
esutjss-292	17	14	and	and	CCONJ
esutjss-292	17	15	opened	open	VERB
esutjss-292	17	16	possibilities	possibility	NOUN
esutjss-292	17	17	to	to	ADP
esutjss-292	17	18	companies	company	NOUN
esutjss-292	17	19	to	to	PART
esutjss-292	17	20	receive	receive	VERB
esutjss-292	17	21	more	more	ADV
esutjss-292	17	22	efficient	efficient	ADJ
esutjss-292	17	23	,	,	PUNCT
esutjss-292	17	24	more	more	ADJ
esutjss-292	17	25	cost	cost	NOUN
esutjss-292	17	26	-	-	PUNCT
esutjss-292	17	27	effective	effective	ADJ
esutjss-292	17	28	,	,	PUNCT
esutjss-292	17	29	and	and	CCONJ
esutjss-292	17	30	more	more	ADV
esutjss-292	17	31	inclusive	inclusive	ADJ
esutjss-292	17	32	financial	financial	ADJ
esutjss-292	17	33	services	service	NOUN
esutjss-292	17	34	(	(	PUNCT
esutjss-292	17	35	ozili	ozili	NOUN
esutjss-292	17	36	,	,	PUNCT
esutjss-292	17	37	2018	2018	NUM
esutjss-292	17	38	)	)	PUNCT
esutjss-292	17	39	.	.	PUNCT
esutjss-292	18	1	in	in	ADP
esutjss-292	18	2	the	the	DET
esutjss-292	18	3	case	case	NOUN
esutjss-292	18	4	of	of	ADP
esutjss-292	18	5	fintech	fintech	NOUN
esutjss-292	18	6	solutions	solution	NOUN
esutjss-292	18	7	applied	apply	VERB
esutjss-292	18	8	to	to	ADP
esutjss-292	18	9	small	small	ADJ
esutjss-292	18	10	and	and	CCONJ
esutjss-292	18	11	medium	medium	ADJ
esutjss-292	18	12	enterprises	enterprise	NOUN
esutjss-292	18	13	(	(	PUNCT
esutjss-292	18	14	smes	sme	NOUN
esutjss-292	18	15	)	)	PUNCT
esutjss-292	18	16	,	,	PUNCT
esutjss-292	18	17	the	the	DET
esutjss-292	18	18	largest	large	ADJ
esutjss-292	18	19	sector	sector	NOUN
esutjss-292	18	20	of	of	ADP
esutjss-292	18	21	most	most	ADJ
esutjss-292	18	22	developing	develop	VERB
esutjss-292	18	23	economies	economy	NOUN
esutjss-292	18	24	,	,	PUNCT
esutjss-292	18	25	it	it	PRON
esutjss-292	18	26	presents	present	VERB
esutjss-292	18	27	unparalleled	unparalleled	ADJ
esutjss-292	18	28	possibilities	possibility	NOUN
esutjss-292	18	29	to	to	PART
esutjss-292	18	30	eliminate	eliminate	VERB
esutjss-292	18	31	all	all	DET
esutjss-292	18	32	barriers	barrier	NOUN
esutjss-292	18	33	to	to	ADP
esutjss-292	18	34	financial	financial	ADJ
esutjss-292	18	35	services	service	NOUN
esutjss-292	18	36	,	,	PUNCT
esutjss-292	18	37	increase	increase	VERB
esutjss-292	18	38	efficiency	efficiency	NOUN
esutjss-292	18	39	in	in	ADP
esutjss-292	18	40	operations	operation	NOUN
esutjss-292	18	41	,	,	PUNCT
esutjss-292	18	42	and	and	CCONJ
esutjss-292	18	43	boost	boost	VERB
esutjss-292	18	44	business	business	NOUN
esutjss-292	18	45	expansion	expansion	NOUN
esutjss-292	18	46	(	(	PUNCT
esutjss-292	18	47	asongu	asongu	VERB
esutjss-292	18	48	and	and	CCONJ
esutjss-292	18	49	odhiambo	odhiambo	ADJ
esutjss-292	18	50	,	,	PUNCT
esutjss-292	18	51	2019	2019	NUM
esutjss-292	18	52	)	)	PUNCT
esutjss-292	18	53	.	.	PUNCT
esutjss-292	19	1	in	in	ADP
esutjss-292	19	2	the	the	DET
esutjss-292	19	3	development	development	NOUN
esutjss-292	19	4	of	of	ADP
esutjss-292	19	5	economies	economy	NOUN
esutjss-292	19	6	,	,	PUNCT
esutjss-292	19	7	especially	especially	ADV
esutjss-292	19	8	in	in	ADP
esutjss-292	19	9	the	the	DET
esutjss-292	19	10	developing	develop	VERB
esutjss-292	19	11	ones	one	NOUN
esutjss-292	19	12	,	,	PUNCT
esutjss-292	19	13	small	small	ADJ
esutjss-292	19	14	and	and	CCONJ
esutjss-292	19	15	medium	medium	ADJ
esutjss-292	19	16	enterprises	enterprise	NOUN
esutjss-292	19	17	are	be	AUX
esutjss-292	19	18	significant	significant	ADJ
esutjss-292	19	19	as	as	SCONJ
esutjss-292	19	20	they	they	PRON
esutjss-292	19	21	are	be	AUX
esutjss-292	19	22	the	the	DET
esutjss-292	19	23	main	main	ADJ
esutjss-292	19	24	part	part	NOUN
esutjss-292	19	25	of	of	ADP
esutjss-292	19	26	employment	employment	NOUN
esutjss-292	19	27	creation	creation	NOUN
esutjss-292	19	28	,	,	PUNCT
esutjss-292	19	29	innovation	innovation	NOUN
esutjss-292	19	30	,	,	PUNCT
esutjss-292	19	31	and	and	CCONJ
esutjss-292	19	32	gdp	gdp	NOUN
esutjss-292	19	33	increase	increase	NOUN
esutjss-292	19	34	(	(	PUNCT
esutjss-292	19	35	ayandibu	ayandibu	NOUN
esutjss-292	19	36	and	and	CCONJ
esutjss-292	19	37	houghton	houghton	NOUN
esutjss-292	19	38	,	,	PUNCT
esutjss-292	19	39	2017	2017	NUM
esutjss-292	19	40	)	)	PUNCT
esutjss-292	19	41	.	.	PUNCT
esutjss-292	20	1	nevertheless	nevertheless	ADV
esutjss-292	20	2	,	,	PUNCT
esutjss-292	20	3	there	there	PRON
esutjss-292	20	4	is	be	VERB
esutjss-292	20	5	a	a	DET
esutjss-292	20	6	high	high	ADJ
esutjss-292	20	7	level	level	NOUN
esutjss-292	20	8	of	of	ADP
esutjss-292	20	9	difficulty	difficulty	NOUN
esutjss-292	20	10	that	that	PRON
esutjss-292	20	11	smes	sme	NOUN
esutjss-292	20	12	can	can	AUX
esutjss-292	20	13	encounter	encounter	VERB
esutjss-292	20	14	when	when	SCONJ
esutjss-292	20	15	accessing	access	VERB
esutjss-292	20	16	conventional	conventional	ADJ
esutjss-292	20	17	financial	financial	ADJ
esutjss-292	20	18	services	service	NOUN
esutjss-292	20	19	,	,	PUNCT
esutjss-292	20	20	cash	cash	NOUN
esutjss-292	20	21	flow	flow	NOUN
esutjss-292	20	22	management	management	NOUN
esutjss-292	20	23	,	,	PUNCT
esutjss-292	20	24	and	and	CCONJ
esutjss-292	20	25	efficient	efficient	ADJ
esutjss-292	20	26	financial	financial	ADJ
esutjss-292	20	27	management	management	NOUN
esutjss-292	20	28	system	system	NOUN
esutjss-292	20	29	.	.	PUNCT
esutjss-292	21	1	nigeria	nigeria	PROPN
esutjss-292	21	2	is	be	AUX
esutjss-292	21	3	one	one	NUM
esutjss-292	21	4	of	of	ADP
esutjss-292	21	5	the	the	DET
esutjss-292	21	6	countries	country	NOUN
esutjss-292	21	7	where	where	SCONJ
esutjss-292	21	8	these	these	DET
esutjss-292	21	9	challenges	challenge	NOUN
esutjss-292	21	10	are	be	AUX
esutjss-292	21	11	especially	especially	ADV
esutjss-292	21	12	acute	acute	ADJ
esutjss-292	21	13	as	as	SCONJ
esutjss-292	21	14	the	the	DET
esutjss-292	21	15	official	official	ADJ
esutjss-292	21	16	banking	banking	NOUN
esutjss-292	21	17	industry	industry	NOUN
esutjss-292	21	18	has	have	AUX
esutjss-292	21	19	traditionally	traditionally	ADV
esutjss-292	21	20	failed	fail	VERB
esutjss-292	21	21	to	to	PART
esutjss-292	21	22	address	address	VERB
esutjss-292	21	23	the	the	DET
esutjss-292	21	24	needs	need	NOUN
esutjss-292	21	25	of	of	ADP
esutjss-292	21	26	small	small	ADJ
esutjss-292	21	27	entrepreneurs	entrepreneur	NOUN
esutjss-292	21	28	(	(	PUNCT
esutjss-292	21	29	adegboye	adegboye	VERB
esutjss-292	21	30	et	et	PROPN
esutjss-292	21	31	al	al	PROPN
esutjss-292	21	32	.	.	PROPN
esutjss-292	21	33	,	,	PUNCT
esutjss-292	21	34	2020	2020	NUM
esutjss-292	21	35	)	)	PUNCT
esutjss-292	21	36	.	.	PUNCT
esutjss-292	22	1	the	the	DET
esutjss-292	22	2	emergence	emergence	NOUN
esutjss-292	22	3	of	of	ADP
esutjss-292	22	4	fintech	fintech	NOUN
esutjss-292	22	5	solutions	solution	NOUN
esutjss-292	22	6	has	have	AUX
esutjss-292	22	7	created	create	VERB
esutjss-292	22	8	new	new	ADJ
esutjss-292	22	9	pathways	pathway	NOUN
esutjss-292	22	10	for	for	SCONJ
esutjss-292	22	11	smes	sme	NOUN
esutjss-292	22	12	to	to	PART
esutjss-292	22	13	access	access	VERB
esutjss-292	22	14	financial	financial	ADJ
esutjss-292	22	15	services	service	NOUN
esutjss-292	22	16	,	,	PUNCT
esutjss-292	22	17	manage	manage	VERB
esutjss-292	22	18	their	their	PRON
esutjss-292	22	19	finances	finance	NOUN
esutjss-292	22	20	more	more	ADV
esutjss-292	22	21	effectively	effectively	ADV
esutjss-292	22	22	,	,	PUNCT
esutjss-292	22	23	and	and	CCONJ
esutjss-292	22	24	improve	improve	VERB
esutjss-292	22	25	their	their	PRON
esutjss-292	22	26	overall	overall	ADJ
esutjss-292	22	27	business	business	NOUN
esutjss-292	22	28	performance	performance	NOUN
esutjss-292	22	29	.	.	PUNCT
esutjss-292	23	1	the	the	DET
esutjss-292	23	2	nigerian	nigerian	ADJ
esutjss-292	23	3	fintech	fintech	NOUN
esutjss-292	23	4	ecosystem	ecosystem	NOUN
esutjss-292	23	5	has	have	AUX
esutjss-292	23	6	recorded	record	VERB
esutjss-292	23	7	an	an	DET
esutjss-292	23	8	impressive	impressive	ADJ
esutjss-292	23	9	development	development	NOUN
esutjss-292	23	10	over	over	ADP
esutjss-292	23	11	the	the	DET
esutjss-292	23	12	last	last	ADJ
esutjss-292	23	13	decade	decade	NOUN
esutjss-292	23	14	,	,	PUNCT
esutjss-292	23	15	and	and	CCONJ
esutjss-292	23	16	the	the	DET
esutjss-292	23	17	nation	nation	NOUN
esutjss-292	23	18	is	be	AUX
esutjss-292	23	19	one	one	NUM
esutjss-292	23	20	of	of	ADP
esutjss-292	23	21	the	the	DET
esutjss-292	23	22	most	most	ADV
esutjss-292	23	23	important	important	ADJ
esutjss-292	23	24	fintech	fintech	NOUN
esutjss-292	23	25	environments	environment	NOUN
esutjss-292	23	26	in	in	ADP
esutjss-292	23	27	africa	africa	PROPN
esutjss-292	23	28	(	(	PUNCT
esutjss-292	23	29	pwc	pwc	PROPN
esutjss-292	23	30	,	,	PUNCT
esutjss-292	23	31	2020	2020	NUM
esutjss-292	23	32	)	)	PUNCT
esutjss-292	23	33	.	.	PUNCT
esutjss-292	24	1	the	the	DET
esutjss-292	24	2	factors	factor	NOUN
esutjss-292	24	3	that	that	PRON
esutjss-292	24	4	have	have	AUX
esutjss-292	24	5	contributed	contribute	VERB
esutjss-292	24	6	to	to	ADP
esutjss-292	24	7	this	this	DET
esutjss-292	24	8	growth	growth	NOUN
esutjss-292	24	9	have	have	AUX
esutjss-292	24	10	been	be	AUX
esutjss-292	24	11	high	high	ADJ
esutjss-292	24	12	mobile	mobile	ADJ
esutjss-292	24	13	phone	phone	NOUN
esutjss-292	24	14	penetration	penetration	NOUN
esutjss-292	24	15	,	,	PUNCT
esutjss-292	24	16	high	high	ADJ
esutjss-292	24	17	number	number	NOUN
esutjss-292	24	18	of	of	ADP
esutjss-292	24	19	unbanked	unbanked	ADJ
esutjss-292	24	20	people	people	NOUN
esutjss-292	24	21	,	,	PUNCT
esutjss-292	24	22	central	central	ADJ
esutjss-292	24	23	bank	bank	PROPN
esutjss-292	24	24	of	of	ADP
esutjss-292	24	25	nigeria	nigeria	PROPN
esutjss-292	24	26	permissive	permissive	ADJ
esutjss-292	24	27	regulations	regulation	NOUN
esutjss-292	24	28	and	and	CCONJ
esutjss-292	24	29	rising	rise	VERB
esutjss-292	24	30	technological	technological	ADJ
esutjss-292	24	31	entrepreneurship	entrepreneurship	NOUN
esutjss-292	24	32	(	(	PUNCT
esutjss-292	24	33	ouma	ouma	PROPN
esutjss-292	24	34	et	et	PROPN
esutjss-292	24	35	al	al	PROPN
esutjss-292	24	36	.	.	PROPN
esutjss-292	24	37	,	,	PUNCT
esutjss-292	24	38	2021	2021	NUM
esutjss-292	24	39	)	)	PUNCT
esutjss-292	24	40	.	.	PUNCT
esutjss-292	25	1	fintech	fintech	NOUN
esutjss-292	25	2	solutions	solution	NOUN
esutjss-292	25	3	,	,	PUNCT
esutjss-292	25	4	such	such	ADJ
esutjss-292	25	5	as	as	ADP
esutjss-292	25	6	mobile	mobile	ADJ
esutjss-292	25	7	payment	payment	NOUN
esutjss-292	25	8	systems	system	NOUN
esutjss-292	25	9	,	,	PUNCT
esutjss-292	25	10	digital	digital	ADJ
esutjss-292	25	11	lending	lending	NOUN
esutjss-292	25	12	,	,	PUNCT
esutjss-292	25	13	and	and	CCONJ
esutjss-292	25	14	others	other	NOUN
esutjss-292	25	15	,	,	PUNCT
esutjss-292	25	16	have	have	AUX
esutjss-292	25	17	become	become	VERB
esutjss-292	25	18	very	very	ADV
esutjss-292	25	19	popular	popular	ADJ
esutjss-292	25	20	among	among	ADP
esutjss-292	25	21	businesses	business	NOUN
esutjss-292	25	22	and	and	CCONJ
esutjss-292	25	23	consumers	consumer	NOUN
esutjss-292	25	24	in	in	ADP
esutjss-292	25	25	nigeria	nigeria	PROPN
esutjss-292	25	26	and	and	CCONJ
esutjss-292	25	27	opened	open	VERB
esutjss-292	25	28	up	up	ADP
esutjss-292	25	29	new	new	ADJ
esutjss-292	25	30	avenues	avenue	NOUN
esutjss-292	25	31	of	of	ADP
esutjss-292	25	32	financial	financial	ADJ
esutjss-292	25	33	inclusion	inclusion	NOUN
esutjss-292	25	34	and	and	CCONJ
esutjss-292	25	35	economic	economic	ADJ
esutjss-292	25	36	empowerment	empowerment	NOUN
esutjss-292	25	37	.	.	PUNCT
esutjss-292	26	1	the	the	DET
esutjss-292	26	2	capital	capital	NOUN
esutjss-292	26	3	city	city	NOUN
esutjss-292	26	4	of	of	ADP
esutjss-292	26	5	kwara	kwara	PROPN
esutjss-292	26	6	state	state	PROPN
esutjss-292	26	7	which	which	PRON
esutjss-292	26	8	is	be	AUX
esutjss-292	26	9	known	know	VERB
esutjss-292	26	10	as	as	ADP
esutjss-292	26	11	ilorin	ilorin	NOUN
esutjss-292	26	12	is	be	AUX
esutjss-292	26	13	a	a	DET
esutjss-292	26	14	major	major	ADJ
esutjss-292	26	15	commercial	commercial	ADJ
esutjss-292	26	16	and	and	CCONJ
esutjss-292	26	17	administrative	administrative	ADJ
esutjss-292	26	18	hub	hub	NOUN
esutjss-292	26	19	in	in	ADP
esutjss-292	26	20	north	north	NOUN
esutjss-292	26	21	-	-	PUNCT
esutjss-292	26	22	central	central	NOUN
esutjss-292	26	23	nigeria	nigeria	PROPN
esutjss-292	26	24	.	.	PUNCT
esutjss-292	27	1	ilorin	ilorin	PROPN
esutjss-292	27	2	has	have	VERB
esutjss-292	27	3	a	a	DET
esutjss-292	27	4	wide	wide	ADJ
esutjss-292	27	5	range	range	NOUN
esutjss-292	27	6	of	of	ADP
esutjss-292	27	7	smes	sme	NOUN
esutjss-292	27	8	in	in	ADP
esutjss-292	27	9	the	the	DET
esutjss-292	27	10	economy	economy	NOUN
esutjss-292	27	11	,	,	PUNCT
esutjss-292	27	12	which	which	PRON
esutjss-292	27	13	include	include	VERB
esutjss-292	27	14	trade	trade	NOUN
esutjss-292	27	15	,	,	PUNCT
esutjss-292	27	16	agriculture	agriculture	NOUN
esutjss-292	27	17	,	,	PUNCT
esutjss-292	27	18	manufacturing	manufacturing	NOUN
esutjss-292	27	19	,	,	PUNCT
esutjss-292	27	20	and	and	CCONJ
esutjss-292	27	21	service	service	NOUN
esutjss-292	27	22	(	(	PUNCT
esutjss-292	27	23	kwara	kwara	PROPN
esutjss-292	27	24	state	state	NOUN
esutjss-292	27	25	government	government	NOUN
esutjss-292	27	26	,	,	PUNCT
esutjss-292	27	27	2022	2022	NUM
esutjss-292	27	28	)	)	PUNCT
esutjss-292	27	29	.	.	PUNCT
esutjss-292	28	1	the	the	DET
esutjss-292	28	2	city	city	NOUN
esutjss-292	28	3	's	's	PART
esutjss-292	28	4	strategic	strategic	ADJ
esutjss-292	28	5	location	location	NOUN
esutjss-292	28	6	as	as	ADP
esutjss-292	28	7	a	a	DET
esutjss-292	28	8	link	link	NOUN
esutjss-292	28	9	between	between	ADP
esutjss-292	28	10	the	the	DET
esutjss-292	28	11	northern	northern	ADJ
esutjss-292	28	12	and	and	CCONJ
esutjss-292	28	13	southern	southern	ADJ
esutjss-292	28	14	regions	region	NOUN
esutjss-292	28	15	of	of	ADP
esutjss-292	28	16	nigeria	nigeria	PROPN
esutjss-292	28	17	makes	make	VERB
esutjss-292	28	18	it	it	PRON
esutjss-292	28	19	an	an	DET
esutjss-292	28	20	important	important	ADJ
esutjss-292	28	21	commercial	commercial	ADJ
esutjss-292	28	22	hub	hub	NOUN
esutjss-292	28	23	,	,	PUNCT
esutjss-292	28	24	while	while	SCONJ
esutjss-292	28	25	its	its	PRON
esutjss-292	28	26	educated	educate	VERB
esutjss-292	28	27	population	population	NOUN
esutjss-292	28	28	and	and	CCONJ
esutjss-292	28	29	technological	technological	ADJ
esutjss-292	28	30	infrastructure	infrastructure	NOUN
esutjss-292	28	31	provide	provide	VERB
esutjss-292	28	32	a	a	DET
esutjss-292	28	33	conducive	conducive	ADJ
esutjss-292	28	34	environment	environment	NOUN
esutjss-292	28	35	for	for	ADP
esutjss-292	28	36	fintech	fintech	NOUN
esutjss-292	28	37	adoption	adoption	NOUN
esutjss-292	28	38	.	.	PUNCT
esutjss-292	29	1	however	however	ADV
esutjss-292	29	2	,	,	PUNCT
esutjss-292	29	3	despite	despite	SCONJ
esutjss-292	29	4	the	the	DET
esutjss-292	29	5	growing	grow	VERB
esutjss-292	29	6	availability	availability	NOUN
esutjss-292	29	7	of	of	ADP
esutjss-292	29	8	fintech	fintech	NOUN
esutjss-292	29	9	solutions	solution	NOUN
esutjss-292	29	10	,	,	PUNCT
esutjss-292	29	11	the	the	DET
esutjss-292	29	12	extent	extent	NOUN
esutjss-292	29	13	of	of	ADP
esutjss-292	29	14	adoption	adoption	NOUN
esutjss-292	29	15	among	among	ADP
esutjss-292	29	16	smes	sme	NOUN
esutjss-292	29	17	in	in	ADP
esutjss-292	29	18	ilorin	ilorin	NOUN
esutjss-292	29	19	and	and	CCONJ
esutjss-292	29	20	its	its	PRON
esutjss-292	29	21	impact	impact	NOUN
esutjss-292	29	22	on	on	ADP
esutjss-292	29	23	their	their	PRON
esutjss-292	29	24	financial	financial	ADJ
esutjss-292	29	25	management	management	NOUN
esutjss-292	29	26	and	and	CCONJ
esutjss-292	29	27	business	business	NOUN
esutjss-292	29	28	performance	performance	NOUN
esutjss-292	29	29	remains	remain	VERB
esutjss-292	29	30	underexplored	underexplored	ADJ
esutjss-292	29	31	.	.	PUNCT
esutjss-292	30	1	the	the	DET
esutjss-292	30	2	idea	idea	NOUN
esutjss-292	30	3	behind	behind	ADP
esutjss-292	30	4	the	the	DET
esutjss-292	30	5	study	study	NOUN
esutjss-292	30	6	can	can	AUX
esutjss-292	30	7	be	be	AUX
esutjss-292	30	8	explained	explain	VERB
esutjss-292	30	9	by	by	ADP
esutjss-292	30	10	the	the	DET
esutjss-292	30	11	fact	fact	NOUN
esutjss-292	30	12	that	that	SCONJ
esutjss-292	30	13	although	although	SCONJ
esutjss-292	30	14	fintech	fintech	NOUN
esutjss-292	30	15	solutions	solution	NOUN
esutjss-292	30	16	can	can	AUX
esutjss-292	30	17	be	be	AUX
esutjss-292	30	18	highly	highly	ADV
esutjss-292	30	19	beneficial	beneficial	ADJ
esutjss-292	30	20	to	to	ADP
esutjss-292	30	21	smes	sme	NOUN
esutjss-292	30	22	,	,	PUNCT
esutjss-292	30	23	their	their	PRON
esutjss-292	30	24	adoption	adoption	NOUN
esutjss-292	30	25	and	and	CCONJ
esutjss-292	30	26	influence	influence	NOUN
esutjss-292	30	27	may	may	AUX
esutjss-292	30	28	differ	differ	VERB
esutjss-292	30	29	dramatically	dramatically	ADV
esutjss-292	30	30	among	among	ADP
esutjss-292	30	31	various	various	ADJ
esutjss-292	30	32	geographical	geographical	ADJ
esutjss-292	30	33	setting	setting	NOUN
esutjss-292	30	34	and	and	CCONJ
esutjss-292	30	35	business	business	NOUN
esutjss-292	30	36	conditions	condition	NOUN
esutjss-292	30	37	(	(	PUNCT
esutjss-292	30	38	iman	iman	NOUN
esutjss-292	30	39	,	,	PUNCT
esutjss-292	30	40	2020	2020	NUM
esutjss-292	30	41	)	)	PUNCT
esutjss-292	30	42	.	.	PUNCT
esutjss-292	31	1	understanding	understand	VERB
esutjss-292	31	2	how	how	SCONJ
esutjss-292	31	3	smes	sme	NOUN
esutjss-292	31	4	in	in	ADP
esutjss-292	31	5	ilorin	ilorin	NOUN
esutjss-292	31	6	are	be	AUX
esutjss-292	31	7	adopting	adopt	VERB
esutjss-292	31	8	fintech	fintech	NOUN
esutjss-292	31	9	solutions	solution	NOUN
esutjss-292	31	10	and	and	CCONJ
esutjss-292	31	11	the	the	DET
esutjss-292	31	12	resulting	result	VERB
esutjss-292	31	13	impacts	impact	NOUN
esutjss-292	31	14	on	on	ADP
esutjss-292	31	15	their	their	PRON
esutjss-292	31	16	operations	operation	NOUN
esutjss-292	31	17	is	be	AUX
esutjss-292	31	18	crucial	crucial	ADJ
esutjss-292	31	19	for	for	ADP
esutjss-292	31	20	several	several	ADJ
esutjss-292	31	21	stakeholders	stakeholder	NOUN
esutjss-292	31	22	.	.	PUNCT
esutjss-292	32	1	to	to	ADP
esutjss-292	32	2	the	the	DET
esutjss-292	32	3	owners	owner	NOUN
esutjss-292	32	4	and	and	CCONJ
esutjss-292	32	5	managers	manager	NOUN
esutjss-292	32	6	of	of	ADP
esutjss-292	32	7	smes	sme	NOUN
esutjss-292	32	8	these	these	DET
esutjss-292	32	9	insights	insight	NOUN
esutjss-292	32	10	can	can	AUX
esutjss-292	32	11	be	be	AUX
esutjss-292	32	12	used	use	VERB
esutjss-292	32	13	to	to	PART
esutjss-292	32	14	inform	inform	VERB
esutjss-292	32	15	strategic	strategic	ADJ
esutjss-292	32	16	decisions	decision	NOUN
esutjss-292	32	17	relating	relate	VERB
esutjss-292	32	18	to	to	ADP
esutjss-292	32	19	technology	technology	NOUN
esutjss-292	32	20	adoption	adoption	NOUN
esutjss-292	32	21	and	and	CCONJ
esutjss-292	32	22	financial	financial	ADJ
esutjss-292	32	23	management	management	NOUN
esutjss-292	32	24	practices	practice	NOUN
esutjss-292	32	25	.	.	PUNCT
esutjss-292	33	1	in	in	ADP
esutjss-292	33	2	the	the	DET
esutjss-292	33	3	case	case	NOUN
esutjss-292	33	4	of	of	ADP
esutjss-292	33	5	fintech	fintech	NOUN
esutjss-292	33	6	service	service	NOUN
esutjss-292	33	7	providers	provider	NOUN
esutjss-292	33	8	,	,	PUNCT
esutjss-292	33	9	the	the	DET
esutjss-292	33	10	patterns	pattern	NOUN
esutjss-292	33	11	and	and	CCONJ
esutjss-292	33	12	impacts	impact	NOUN
esutjss-292	33	13	of	of	ADP
esutjss-292	33	14	adoption	adoption	NOUN
esutjss-292	33	15	would	would	AUX
esutjss-292	33	16	be	be	AUX
esutjss-292	33	17	useful	useful	ADJ
esutjss-292	33	18	in	in	ADP
esutjss-292	33	19	informing	inform	VERB
esutjss-292	33	20	their	their	PRON
esutjss-292	33	21	product	product	NOUN
esutjss-292	33	22	development	development	NOUN
esutjss-292	33	23	and	and	CCONJ
esutjss-292	33	24	market	market	NOUN
esutjss-292	33	25	expansion	expansion	NOUN
esutjss-292	33	26	strategies	strategy	NOUN
esutjss-292	33	27	.	.	PUNCT
esutjss-292	34	1	to	to	ADP
esutjss-292	34	2	policymakers	policymaker	NOUN
esutjss-292	34	3	and	and	CCONJ
esutjss-292	34	4	development	development	NOUN
esutjss-292	34	5	agencies	agency	NOUN
esutjss-292	34	6	,	,	PUNCT
esutjss-292	34	7	this	this	DET
esutjss-292	34	8	knowledge	knowledge	NOUN
esutjss-292	34	9	could	could	AUX
esutjss-292	34	10	be	be	AUX
esutjss-292	34	11	used	use	VERB
esutjss-292	34	12	to	to	PART
esutjss-292	34	13	formulate	formulate	VERB
esutjss-292	34	14	policies	policy	NOUN
esutjss-292	34	15	and	and	CCONJ
esutjss-292	34	16	programs	program	NOUN
esutjss-292	34	17	favourable	favourable	ADJ
esutjss-292	34	18	to	to	ADP
esutjss-292	34	19	digital	digital	ADJ
esutjss-292	34	20	financial	financial	ADJ
esutjss-292	34	21	inclusion	inclusion	NOUN
esutjss-292	34	22	and	and	CCONJ
esutjss-292	34	23	the	the	DET
esutjss-292	34	24	growth	growth	NOUN
esutjss-292	34	25	of	of	ADP
esutjss-292	34	26	smes	sme	NOUN
esutjss-292	34	27	.	.	PUNCT
esutjss-292	35	1	the	the	DET
esutjss-292	35	2	existing	exist	VERB
esutjss-292	35	3	literature	literature	NOUN
esutjss-292	35	4	on	on	ADP
esutjss-292	35	5	fintech	fintech	NOUN
esutjss-292	35	6	adoption	adoption	NOUN
esutjss-292	35	7	has	have	AUX
esutjss-292	35	8	concentrated	concentrate	VERB
esutjss-292	35	9	mainly	mainly	ADV
esutjss-292	35	10	on	on	ADP
esutjss-292	35	11	developed	develop	VERB
esutjss-292	35	12	economies	economy	NOUN
esutjss-292	35	13	or	or	CCONJ
esutjss-292	35	14	big	big	ADJ
esutjss-292	35	15	cities	city	NOUN
esutjss-292	35	16	in	in	ADP
esutjss-292	35	17	developing	develop	VERB
esutjss-292	35	18	nations	nation	NOUN
esutjss-292	35	19	,	,	PUNCT
esutjss-292	35	20	and	and	CCONJ
esutjss-292	35	21	little	little	ADJ
esutjss-292	35	22	has	have	AUX
esutjss-292	35	23	been	be	AUX
esutjss-292	35	24	said	say	VERB
esutjss-292	35	25	about	about	ADP
esutjss-292	35	26	secondary	secondary	ADJ
esutjss-292	35	27	cities	city	NOUN
esutjss-292	35	28	such	such	ADJ
esutjss-292	35	29	as	as	ADP
esutjss-292	35	30	ilorin	ilorin	NOUN
esutjss-292	35	31	(	(	PUNCT
esutjss-292	35	32	senyo	senyo	ADV
esutjss-292	35	33	and	and	CCONJ
esutjss-292	35	34	osabutey	osabutey	PROPN
esutjss-292	35	35	,	,	PUNCT
esutjss-292	35	36	2020	2020	NUM
esutjss-292	35	37	)	)	PUNCT
esutjss-292	35	38	.	.	PUNCT
esutjss-292	36	1	although	although	SCONJ
esutjss-292	36	2	research	research	NOUN
esutjss-292	36	3	has	have	AUX
esutjss-292	36	4	been	be	AUX
esutjss-292	36	5	conducted	conduct	VERB
esutjss-292	36	6	on	on	ADP
esutjss-292	36	7	the	the	DET
esutjss-292	36	8	uptake	uptake	NOUN
esutjss-292	36	9	of	of	ADP
esutjss-292	36	10	fintech	fintech	NOUN
esutjss-292	36	11	in	in	ADP
esutjss-292	36	12	urban	urban	ADJ
esutjss-292	36	13	areas	area	NOUN
esutjss-292	36	14	such	such	ADJ
esutjss-292	36	15	as	as	ADP
esutjss-292	36	16	lagos	lago	NOUN
esutjss-292	36	17	,	,	PUNCT
esutjss-292	36	18	abuja	abuja	PROPN
esutjss-292	36	19	and	and	CCONJ
esutjss-292	36	20	port	port	PROPN
esutjss-292	36	21	harcourt	harcourt	PROPN
esutjss-292	36	22	,	,	PUNCT
esutjss-292	36	23	the	the	DET
esutjss-292	36	24	role	role	NOUN
esutjss-292	36	25	of	of	ADP
esutjss-292	36	26	adoption	adoption	NOUN
esutjss-292	36	27	of	of	ADP
esutjss-292	36	28	these	these	DET
esutjss-292	36	29	technologies	technology	NOUN
esutjss-292	36	30	by	by	ADP
esutjss-292	36	31	smes	sme	NOUN
esutjss-292	36	32	in	in	ADP
esutjss-292	36	33	smaller	small	ADJ
esutjss-292	36	34	commercial	commercial	ADJ
esutjss-292	36	35	locales	locale	NOUN
esutjss-292	36	36	seems	seem	VERB
esutjss-292	36	37	to	to	PART
esutjss-292	36	38	have	have	AUX
esutjss-292	36	39	been	be	AUX
esutjss-292	36	40	understudied	understudied	ADJ
esutjss-292	36	41	to	to	ADP
esutjss-292	36	42	a	a	DET
esutjss-292	36	43	larger	large	ADJ
esutjss-292	36	44	extent	extent	NOUN
esutjss-292	36	45	.	.	PUNCT
esutjss-292	37	1	this	this	DET
esutjss-292	37	2	paper	paper	NOUN
esutjss-292	37	3	will	will	AUX
esutjss-292	37	4	fill	fill	VERB
esutjss-292	37	5	this	this	DET
esutjss-292	37	6	gap	gap	NOUN
esutjss-292	37	7	by	by	ADP
esutjss-292	37	8	looking	look	VERB
esutjss-292	37	9	at	at	ADP
esutjss-292	37	10	the	the	DET
esutjss-292	37	11	current	current	ADJ
esutjss-292	37	12	adoption	adoption	NOUN
esutjss-292	37	13	of	of	ADP
esutjss-292	37	14	fintech	fintech	NOUN
esutjss-292	37	15	in	in	ADP
esutjss-292	37	16	288	288	NUM
esutjss-292	37	17	ilorin	ilorin	NOUN
esutjss-292	37	18	in	in	ADP
esutjss-292	37	19	particular	particular	ADJ
esutjss-292	37	20	,	,	PUNCT
esutjss-292	37	21	and	and	CCONJ
esutjss-292	37	22	then	then	ADV
esutjss-292	37	23	offer	offer	VERB
esutjss-292	37	24	insights	insight	NOUN
esutjss-292	37	25	that	that	PRON
esutjss-292	37	26	can	can	AUX
esutjss-292	37	27	be	be	AUX
esutjss-292	37	28	generalized	generalize	VERB
esutjss-292	37	29	to	to	ADP
esutjss-292	37	30	other	other	ADJ
esutjss-292	37	31	commercial	commercial	ADJ
esutjss-292	37	32	hubs	hub	NOUN
esutjss-292	37	33	in	in	ADP
esutjss-292	37	34	nigeria	nigeria	PROPN
esutjss-292	37	35	or	or	CCONJ
esutjss-292	37	36	other	other	ADJ
esutjss-292	37	37	developing	develop	VERB
esutjss-292	37	38	nations	nation	NOUN
esutjss-292	37	39	.	.	PUNCT
esutjss-292	38	1	therefore	therefore	ADV
esutjss-292	38	2	,	,	PUNCT
esutjss-292	38	3	the	the	DET
esutjss-292	38	4	objectives	objective	NOUN
esutjss-292	38	5	of	of	ADP
esutjss-292	38	6	this	this	DET
esutjss-292	38	7	study	study	NOUN
esutjss-292	38	8	are	be	AUX
esutjss-292	38	9	to	to	PART
esutjss-292	38	10	:	:	PUNCT
esutjss-292	38	11	i.	i.	NOUN
esutjss-292	38	12	assess	assess	VERB
esutjss-292	38	13	the	the	DET
esutjss-292	38	14	effect	effect	NOUN
esutjss-292	38	15	of	of	ADP
esutjss-292	38	16	mobile	mobile	ADJ
esutjss-292	38	17	payment	payment	NOUN
esutjss-292	38	18	systems	system	NOUN
esutjss-292	38	19	adoption	adoption	NOUN
esutjss-292	38	20	on	on	ADP
esutjss-292	38	21	financial	financial	ADJ
esutjss-292	38	22	management	management	NOUN
esutjss-292	38	23	efficiency	efficiency	NOUN
esutjss-292	38	24	of	of	ADP
esutjss-292	38	25	smes	sme	NOUN
esutjss-292	38	26	in	in	ADP
esutjss-292	38	27	ilorin	ilorin	PROPN
esutjss-292	38	28	,	,	PUNCT
esutjss-292	38	29	nigeria	nigeria	PROPN
esutjss-292	38	30	.	.	PUNCT
esutjss-292	39	1	ii	ii	PROPN
esutjss-292	39	2	.	.	PROPN
esutjss-292	39	3	evaluate	evaluate	VERB
esutjss-292	39	4	the	the	DET
esutjss-292	39	5	impact	impact	NOUN
esutjss-292	39	6	of	of	ADP
esutjss-292	39	7	digital	digital	ADJ
esutjss-292	39	8	lending	lending	NOUN
esutjss-292	39	9	platforms	platform	NOUN
esutjss-292	39	10	adoption	adoption	NOUN
esutjss-292	39	11	on	on	ADP
esutjss-292	39	12	business	business	NOUN
esutjss-292	39	13	performance	performance	NOUN
esutjss-292	39	14	of	of	ADP
esutjss-292	39	15	smes	sme	NOUN
esutjss-292	39	16	in	in	ADP
esutjss-292	39	17	ilorin	ilorin	PROPN
esutjss-292	39	18	,	,	PUNCT
esutjss-292	39	19	nigeria	nigeria	PROPN
esutjss-292	39	20	.	.	PUNCT
esutjss-292	40	1	the	the	DET
esutjss-292	40	2	following	follow	VERB
esutjss-292	40	3	hypotheses	hypothesis	NOUN
esutjss-292	40	4	are	be	AUX
esutjss-292	40	5	formulated	formulate	VERB
esutjss-292	40	6	for	for	ADP
esutjss-292	40	7	the	the	DET
esutjss-292	40	8	study	study	NOUN
esutjss-292	40	9	:	:	PUNCT
esutjss-292	40	10	h₀₁	h₀₁	PROPN
esutjss-292	40	11	:	:	PUNCT
esutjss-292	40	12	mobile	mobile	ADJ
esutjss-292	40	13	payment	payment	NOUN
esutjss-292	40	14	systems	system	NOUN
esutjss-292	40	15	adoption	adoption	NOUN
esutjss-292	40	16	has	have	VERB
esutjss-292	40	17	no	no	DET
esutjss-292	40	18	significant	significant	ADJ
esutjss-292	40	19	effect	effect	NOUN
esutjss-292	40	20	on	on	ADP
esutjss-292	40	21	financial	financial	ADJ
esutjss-292	40	22	management	management	NOUN
esutjss-292	40	23	efficiency	efficiency	NOUN
esutjss-292	40	24	of	of	ADP
esutjss-292	40	25	smes	sme	NOUN
esutjss-292	40	26	in	in	ADP
esutjss-292	40	27	ilorin	ilorin	PROPN
esutjss-292	40	28	,	,	PUNCT
esutjss-292	40	29	nigeria	nigeria	PROPN
esutjss-292	40	30	.	.	PUNCT
esutjss-292	41	1	h₀₂	h₀₂	PROPN
esutjss-292	41	2	:	:	PUNCT
esutjss-292	41	3	digital	digital	ADJ
esutjss-292	41	4	lending	lending	NOUN
esutjss-292	41	5	platforms	platform	NOUN
esutjss-292	41	6	adoption	adoption	NOUN
esutjss-292	41	7	has	have	VERB
esutjss-292	41	8	no	no	DET
esutjss-292	41	9	significant	significant	ADJ
esutjss-292	41	10	impact	impact	NOUN
esutjss-292	41	11	on	on	ADP
esutjss-292	41	12	business	business	NOUN
esutjss-292	41	13	performance	performance	NOUN
esutjss-292	41	14	of	of	ADP
esutjss-292	41	15	smes	sme	NOUN
esutjss-292	41	16	in	in	ADP
esutjss-292	41	17	ilorin	ilorin	PROPN
esutjss-292	41	18	,	,	PUNCT
esutjss-292	41	19	nigeria	nigeria	PROPN
esutjss-292	41	20	.	.	PUNCT
esutjss-292	42	1	literature	literature	PROPN
esutjss-292	42	2	review	review	PROPN
esutjss-292	42	3	fintech	fintech	NOUN
esutjss-292	42	4	solutions	solution	NOUN
esutjss-292	42	5	in	in	ADP
esutjss-292	42	6	nigeria	nigeria	PRON
esutjss-292	42	7	the	the	DET
esutjss-292	42	8	financial	financial	ADJ
esutjss-292	42	9	technology	technology	NOUN
esutjss-292	42	10	sector	sector	NOUN
esutjss-292	42	11	in	in	ADP
esutjss-292	42	12	nigeria	nigeria	PROPN
esutjss-292	42	13	has	have	AUX
esutjss-292	42	14	undergone	undergo	VERB
esutjss-292	42	15	remarkable	remarkable	ADJ
esutjss-292	42	16	transformation	transformation	NOUN
esutjss-292	42	17	over	over	ADP
esutjss-292	42	18	the	the	DET
esutjss-292	42	19	past	past	ADJ
esutjss-292	42	20	decade	decade	NOUN
esutjss-292	42	21	,	,	PUNCT
esutjss-292	42	22	positioning	position	VERB
esutjss-292	42	23	the	the	DET
esutjss-292	42	24	country	country	NOUN
esutjss-292	42	25	as	as	ADP
esutjss-292	42	26	a	a	DET
esutjss-292	42	27	leading	lead	VERB
esutjss-292	42	28	fintech	fintech	NOUN
esutjss-292	42	29	destination	destination	NOUN
esutjss-292	42	30	in	in	ADP
esutjss-292	42	31	africa	africa	PROPN
esutjss-292	42	32	.	.	PUNCT
esutjss-292	43	1	such	such	ADJ
esutjss-292	43	2	evolution	evolution	NOUN
esutjss-292	43	3	is	be	AUX
esutjss-292	43	4	symptomatic	symptomatic	ADJ
esutjss-292	43	5	of	of	ADP
esutjss-292	43	6	a	a	DET
esutjss-292	43	7	convergence	convergence	NOUN
esutjss-292	43	8	of	of	ADP
esutjss-292	43	9	forces	force	NOUN
esutjss-292	43	10	such	such	ADJ
esutjss-292	43	11	as	as	ADP
esutjss-292	43	12	regulatory	regulatory	ADJ
esutjss-292	43	13	innovation	innovation	NOUN
esutjss-292	43	14	,	,	PUNCT
esutjss-292	43	15	technological	technological	ADJ
esutjss-292	43	16	development	development	NOUN
esutjss-292	43	17	,	,	PUNCT
esutjss-292	43	18	demographics	demographic	NOUN
esutjss-292	43	19	,	,	PUNCT
esutjss-292	43	20	and	and	CCONJ
esutjss-292	43	21	market	market	NOUN
esutjss-292	43	22	needs	need	NOUN
esutjss-292	43	23	that	that	PRON
esutjss-292	43	24	have	have	AUX
esutjss-292	43	25	formed	form	VERB
esutjss-292	43	26	a	a	DET
esutjss-292	43	27	supportive	supportive	ADJ
esutjss-292	43	28	environment	environment	NOUN
esutjss-292	43	29	in	in	ADP
esutjss-292	43	30	which	which	PRON
esutjss-292	43	31	fintech	fintech	NOUN
esutjss-292	43	32	has	have	AUX
esutjss-292	43	33	developed	develop	VERB
esutjss-292	43	34	(	(	PUNCT
esutjss-292	43	35	oshodin	oshodin	NOUN
esutjss-292	43	36	et	et	NOUN
esutjss-292	43	37	al	al	PROPN
esutjss-292	43	38	.	.	PROPN
esutjss-292	43	39	,	,	PUNCT
esutjss-292	43	40	2021	2021	NUM
esutjss-292	43	41	)	)	PUNCT
esutjss-292	43	42	.	.	PUNCT
esutjss-292	44	1	the	the	DET
esutjss-292	44	2	nigerian	nigerian	ADJ
esutjss-292	44	3	fintech	fintech	NOUN
esutjss-292	44	4	ecosystem	ecosystem	NOUN
esutjss-292	44	5	has	have	VERB
esutjss-292	44	6	many	many	ADJ
esutjss-292	44	7	categories	category	NOUN
esutjss-292	44	8	of	of	ADP
esutjss-292	44	9	solutions	solution	NOUN
esutjss-292	44	10	such	such	ADJ
esutjss-292	44	11	as	as	ADP
esutjss-292	44	12	payments	payment	NOUN
esutjss-292	44	13	,	,	PUNCT
esutjss-292	44	14	lending	lending	NOUN
esutjss-292	44	15	,	,	PUNCT
esutjss-292	44	16	insurance	insurance	NOUN
esutjss-292	44	17	technology	technology	NOUN
esutjss-292	44	18	,	,	PUNCT
esutjss-292	44	19	investment	investment	NOUN
esutjss-292	44	20	platforms	platform	NOUN
esutjss-292	44	21	,	,	PUNCT
esutjss-292	44	22	and	and	CCONJ
esutjss-292	44	23	financial	financial	ADJ
esutjss-292	44	24	management	management	NOUN
esutjss-292	44	25	tools	tool	NOUN
esutjss-292	44	26	,	,	PUNCT
esutjss-292	44	27	each	each	PRON
esutjss-292	44	28	of	of	ADP
esutjss-292	44	29	which	which	PRON
esutjss-292	44	30	has	have	VERB
esutjss-292	44	31	a	a	DET
esutjss-292	44	32	gap	gap	NOUN
esutjss-292	44	33	in	in	ADP
esutjss-292	44	34	the	the	DET
esutjss-292	44	35	market	market	NOUN
esutjss-292	44	36	and	and	CCONJ
esutjss-292	44	37	targeted	target	VERB
esutjss-292	44	38	customer	customer	NOUN
esutjss-292	44	39	needs	need	NOUN
esutjss-292	44	40	(	(	PUNCT
esutjss-292	44	41	alli	alli	PROPN
esutjss-292	44	42	,	,	PUNCT
esutjss-292	44	43	2025	2025	NUM
esutjss-292	44	44	;	;	PUNCT
esutjss-292	44	45	alli	alli	PROPN
esutjss-292	44	46	&	&	CCONJ
esutjss-292	44	47	ganiyu	ganiyu	PROPN
esutjss-292	44	48	,	,	PUNCT
esutjss-292	44	49	2025	2025	NUM
esutjss-292	44	50	)	)	PUNCT
esutjss-292	44	51	.	.	PUNCT
esutjss-292	45	1	mobile	mobile	ADJ
esutjss-292	45	2	payment	payment	NOUN
esutjss-292	45	3	systems	system	NOUN
esutjss-292	45	4	are	be	AUX
esutjss-292	45	5	considered	consider	VERB
esutjss-292	45	6	to	to	PART
esutjss-292	45	7	be	be	AUX
esutjss-292	45	8	one	one	NUM
esutjss-292	45	9	of	of	ADP
esutjss-292	45	10	the	the	DET
esutjss-292	45	11	most	most	ADV
esutjss-292	45	12	successful	successful	ADJ
esutjss-292	45	13	fintech	fintech	NOUN
esutjss-292	45	14	spheres	sphere	NOUN
esutjss-292	45	15	in	in	ADP
esutjss-292	45	16	nigeria	nigeria	PROPN
esutjss-292	45	17	due	due	ADP
esutjss-292	45	18	to	to	ADP
esutjss-292	45	19	high	high	ADJ
esutjss-292	45	20	rates	rate	NOUN
esutjss-292	45	21	of	of	ADP
esutjss-292	45	22	mobile	mobile	ADJ
esutjss-292	45	23	phone	phone	NOUN
esutjss-292	45	24	penetration	penetration	NOUN
esutjss-292	45	25	and	and	CCONJ
esutjss-292	45	26	the	the	DET
esutjss-292	45	27	necessity	necessity	NOUN
esutjss-292	45	28	of	of	ADP
esutjss-292	45	29	the	the	DET
esutjss-292	45	30	convenient	convenient	ADJ
esutjss-292	45	31	payment	payment	NOUN
esutjss-292	45	32	options	option	NOUN
esutjss-292	45	33	.	.	PUNCT
esutjss-292	46	1	the	the	DET
esutjss-292	46	2	development	development	NOUN
esutjss-292	46	3	of	of	ADP
esutjss-292	46	4	the	the	DET
esutjss-292	46	5	mobile	mobile	ADJ
esutjss-292	46	6	money	money	NOUN
esutjss-292	46	7	industry	industry	NOUN
esutjss-292	46	8	has	have	AUX
esutjss-292	46	9	been	be	AUX
esutjss-292	46	10	supported	support	VERB
esutjss-292	46	11	by	by	ADP
esutjss-292	46	12	the	the	DET
esutjss-292	46	13	gradual	gradual	ADJ
esutjss-292	46	14	regulatory	regulatory	ADJ
esutjss-292	46	15	environment	environment	NOUN
esutjss-292	46	16	provided	provide	VERB
esutjss-292	46	17	by	by	ADP
esutjss-292	46	18	the	the	DET
esutjss-292	46	19	central	central	ADJ
esutjss-292	46	20	bank	bank	PROPN
esutjss-292	46	21	of	of	ADP
esutjss-292	46	22	nigeria	nigeria	PROPN
esutjss-292	46	23	through	through	ADP
esutjss-292	46	24	policies	policy	NOUN
esutjss-292	46	25	on	on	ADP
esutjss-292	46	26	the	the	DET
esutjss-292	46	27	operation	operation	NOUN
esutjss-292	46	28	of	of	ADP
esutjss-292	46	29	the	the	DET
esutjss-292	46	30	mobile	mobile	ADJ
esutjss-292	46	31	money	money	NOUN
esutjss-292	46	32	business	business	NOUN
esutjss-292	46	33	and	and	CCONJ
esutjss-292	46	34	introduction	introduction	NOUN
esutjss-292	46	35	of	of	ADP
esutjss-292	46	36	payment	payment	NOUN
esutjss-292	46	37	system	system	NOUN
esutjss-292	46	38	operator	operator	NOUN
esutjss-292	46	39	licenses	license	NOUN
esutjss-292	46	40	(	(	PUNCT
esutjss-292	46	41	cbn	cbn	PROPN
esutjss-292	46	42	,	,	PUNCT
esutjss-292	46	43	2020	2020	NUM
esutjss-292	46	44	)	)	PUNCT
esutjss-292	46	45	.	.	PUNCT
esutjss-292	47	1	the	the	DET
esutjss-292	47	2	mobile	mobile	ADJ
esutjss-292	47	3	payment	payment	NOUN
esutjss-292	47	4	industry	industry	NOUN
esutjss-292	47	5	involves	involve	VERB
esutjss-292	47	6	big	big	ADJ
esutjss-292	47	7	players	player	NOUN
esutjss-292	47	8	such	such	ADJ
esutjss-292	47	9	as	as	ADP
esutjss-292	47	10	traditional	traditional	ADJ
esutjss-292	47	11	telecommunications	telecommunication	NOUN
esutjss-292	47	12	organisations	organisation	NOUN
esutjss-292	47	13	that	that	PRON
esutjss-292	47	14	provide	provide	VERB
esutjss-292	47	15	mobile	mobile	ADJ
esutjss-292	47	16	money	money	NOUN
esutjss-292	47	17	services	service	NOUN
esutjss-292	47	18	,	,	PUNCT
esutjss-292	47	19	specialized	specialized	ADJ
esutjss-292	47	20	payment	payment	NOUN
esutjss-292	47	21	organisations	organisation	NOUN
esutjss-292	47	22	and	and	CCONJ
esutjss-292	47	23	tech	tech	NOUN
esutjss-292	47	24	-	-	PUNCT
esutjss-292	47	25	based	base	VERB
esutjss-292	47	26	start	start	NOUN
esutjss-292	47	27	-	-	PUNCT
esutjss-292	47	28	ups	up	NOUN
esutjss-292	47	29	that	that	PRON
esutjss-292	47	30	offer	offer	VERB
esutjss-292	47	31	innovative	innovative	ADJ
esutjss-292	47	32	payment	payment	NOUN
esutjss-292	47	33	services	service	NOUN
esutjss-292	47	34	.	.	PUNCT
esutjss-292	48	1	these	these	DET
esutjss-292	48	2	platforms	platform	NOUN
esutjss-292	48	3	have	have	AUX
esutjss-292	48	4	transformed	transform	VERB
esutjss-292	48	5	the	the	DET
esutjss-292	48	6	way	way	NOUN
esutjss-292	48	7	businesses	business	NOUN
esutjss-292	48	8	and	and	CCONJ
esutjss-292	48	9	consumers	consumer	NOUN
esutjss-292	48	10	transact	transact	VERB
esutjss-292	48	11	business	business	NOUN
esutjss-292	48	12	as	as	SCONJ
esutjss-292	48	13	they	they	PRON
esutjss-292	48	14	provide	provide	VERB
esutjss-292	48	15	them	they	PRON
esutjss-292	48	16	with	with	ADP
esutjss-292	48	17	alternatives	alternative	NOUN
esutjss-292	48	18	to	to	ADP
esutjss-292	48	19	money	money	NOUN
esutjss-292	48	20	-	-	PUNCT
esutjss-292	48	21	based	base	VERB
esutjss-292	48	22	transactions	transaction	NOUN
esutjss-292	48	23	and	and	CCONJ
esutjss-292	48	24	traditional	traditional	ADJ
esutjss-292	48	25	banking	banking	NOUN
esutjss-292	48	26	systems	system	NOUN
esutjss-292	48	27	.	.	PUNCT
esutjss-292	49	1	the	the	DET
esutjss-292	49	2	regulatory	regulatory	ADJ
esutjss-292	49	3	environment	environment	NOUN
esutjss-292	49	4	has	have	AUX
esutjss-292	49	5	played	play	VERB
esutjss-292	49	6	a	a	DET
esutjss-292	49	7	crucial	crucial	ADJ
esutjss-292	49	8	role	role	NOUN
esutjss-292	49	9	in	in	ADP
esutjss-292	49	10	shaping	shape	VERB
esutjss-292	49	11	nigeria	nigeria	PROPN
esutjss-292	49	12	's	's	PART
esutjss-292	49	13	fintech	fintech	NOUN
esutjss-292	49	14	landscape	landscape	NOUN
esutjss-292	49	15	.	.	PUNCT
esutjss-292	50	1	to	to	PART
esutjss-292	50	2	facilitate	facilitate	VERB
esutjss-292	50	3	financial	financial	ADJ
esutjss-292	50	4	inclusion	inclusion	NOUN
esutjss-292	50	5	and	and	CCONJ
esutjss-292	50	6	encouraging	encouraging	ADJ
esutjss-292	50	7	fintech	fintech	NOUN
esutjss-292	50	8	innovation	innovation	NOUN
esutjss-292	50	9	,	,	PUNCT
esutjss-292	50	10	the	the	DET
esutjss-292	50	11	central	central	ADJ
esutjss-292	50	12	bank	bank	PROPN
esutjss-292	50	13	of	of	ADP
esutjss-292	50	14	nigeria	nigeria	PROPN
esutjss-292	50	15	has	have	AUX
esutjss-292	50	16	undertaken	undertake	VERB
esutjss-292	50	17	a	a	DET
esutjss-292	50	18	number	number	NOUN
esutjss-292	50	19	of	of	ADP
esutjss-292	50	20	measures	measure	NOUN
esutjss-292	50	21	,	,	PUNCT
esutjss-292	50	22	such	such	ADJ
esutjss-292	50	23	as	as	ADP
esutjss-292	50	24	development	development	NOUN
esutjss-292	50	25	of	of	ADP
esutjss-292	50	26	regulatory	regulatory	ADJ
esutjss-292	50	27	sandboxes	sandbox	NOUN
esutjss-292	50	28	,	,	PUNCT
esutjss-292	50	29	updated	update	VERB
esutjss-292	50	30	policies	policy	NOUN
esutjss-292	50	31	on	on	ADP
esutjss-292	50	32	digital	digital	ADJ
esutjss-292	50	33	financial	financial	ADJ
esutjss-292	50	34	services	service	NOUN
esutjss-292	50	35	and	and	CCONJ
esutjss-292	50	36	open	open	ADJ
esutjss-292	50	37	banking	banking	NOUN
esutjss-292	50	38	frameworks	framework	NOUN
esutjss-292	50	39	(	(	PUNCT
esutjss-292	50	40	ozili	ozili	NOUN
esutjss-292	50	41	,	,	PUNCT
esutjss-292	50	42	2020	2020	NUM
esutjss-292	50	43	)	)	PUNCT
esutjss-292	50	44	.	.	PUNCT
esutjss-292	51	1	such	such	ADJ
esutjss-292	51	2	regulatory	regulatory	ADJ
esutjss-292	51	3	processes	process	NOUN
esutjss-292	51	4	have	have	AUX
esutjss-292	51	5	presented	present	VERB
esutjss-292	51	6	a	a	DET
esutjss-292	51	7	platform	platform	NOUN
esutjss-292	51	8	on	on	ADP
esutjss-292	51	9	which	which	PRON
esutjss-292	51	10	fintech	fintech	NOUN
esutjss-292	51	11	firms	firm	NOUN
esutjss-292	51	12	can	can	AUX
esutjss-292	51	13	conduct	conduct	VERB
esutjss-292	51	14	business	business	NOUN
esutjss-292	51	15	in	in	ADP
esutjss-292	51	16	well	well	ADV
esutjss-292	51	17	-	-	PUNCT
esutjss-292	51	18	defined	define	VERB
esutjss-292	51	19	legal	legal	ADJ
esutjss-292	51	20	frameworks	framework	NOUN
esutjss-292	51	21	as	as	SCONJ
esutjss-292	51	22	they	they	PRON
esutjss-292	51	23	seek	seek	VERB
esutjss-292	51	24	to	to	PART
esutjss-292	51	25	develop	develop	VERB
esutjss-292	51	26	innovative	innovative	ADJ
esutjss-292	51	27	solutions	solution	NOUN
esutjss-292	51	28	.	.	PUNCT
esutjss-292	52	1	however	however	ADV
esutjss-292	52	2	,	,	PUNCT
esutjss-292	52	3	the	the	DET
esutjss-292	52	4	regulatory	regulatory	ADJ
esutjss-292	52	5	landscape	landscape	NOUN
esutjss-292	52	6	continues	continue	VERB
esutjss-292	52	7	to	to	PART
esutjss-292	52	8	evolve	evolve	VERB
esutjss-292	52	9	,	,	PUNCT
esutjss-292	52	10	requiring	require	VERB
esutjss-292	52	11	fintech	fintech	NOUN
esutjss-292	52	12	providers	provider	NOUN
esutjss-292	52	13	and	and	CCONJ
esutjss-292	52	14	users	user	NOUN
esutjss-292	52	15	to	to	PART
esutjss-292	52	16	adapt	adapt	VERB
esutjss-292	52	17	to	to	ADP
esutjss-292	52	18	changing	change	VERB
esutjss-292	52	19	requirements	requirement	NOUN
esutjss-292	52	20	and	and	CCONJ
esutjss-292	52	21	standards	standard	NOUN
esutjss-292	52	22	.	.	PUNCT
esutjss-292	53	1	digital	digital	ADJ
esutjss-292	53	2	lending	lending	NOUN
esutjss-292	53	3	platforms	platform	NOUN
esutjss-292	53	4	have	have	AUX
esutjss-292	53	5	emerged	emerge	VERB
esutjss-292	53	6	as	as	ADP
esutjss-292	53	7	a	a	DET
esutjss-292	53	8	critical	critical	ADJ
esutjss-292	53	9	solution	solution	NOUN
esutjss-292	53	10	addressing	address	VERB
esutjss-292	53	11	the	the	DET
esutjss-292	53	12	financing	financing	NOUN
esutjss-292	53	13	gap	gap	NOUN
esutjss-292	53	14	faced	face	VERB
esutjss-292	53	15	by	by	ADP
esutjss-292	53	16	individuals	individual	NOUN
esutjss-292	53	17	and	and	CCONJ
esutjss-292	53	18	smes	sme	NOUN
esutjss-292	53	19	in	in	ADP
esutjss-292	53	20	nigeria	nigeria	PROPN
esutjss-292	53	21	.	.	PUNCT
esutjss-292	54	1	small	small	ADJ
esutjss-292	54	2	business	business	NOUN
esutjss-292	54	3	:	:	PUNCT
esutjss-292	54	4	the	the	DET
esutjss-292	54	5	banks	bank	NOUN
esutjss-292	54	6	have	have	AUX
esutjss-292	54	7	long	long	ADV
esutjss-292	54	8	been	be	AUX
esutjss-292	54	9	unable	unable	ADJ
esutjss-292	54	10	to	to	PART
esutjss-292	54	11	meet	meet	VERB
esutjss-292	54	12	the	the	DET
esutjss-292	54	13	credit	credit	NOUN
esutjss-292	54	14	demands	demand	NOUN
esutjss-292	54	15	of	of	ADP
esutjss-292	54	16	the	the	DET
esutjss-292	54	17	small	small	ADJ
esutjss-292	54	18	business	business	NOUN
esutjss-292	54	19	because	because	SCONJ
esutjss-292	54	20	the	the	DET
esutjss-292	54	21	traditional	traditional	ADJ
esutjss-292	54	22	banks	bank	NOUN
esutjss-292	54	23	are	be	AUX
esutjss-292	54	24	too	too	ADV
esutjss-292	54	25	costly	costly	ADJ
esutjss-292	54	26	to	to	PART
esutjss-292	54	27	operate	operate	VERB
esutjss-292	54	28	,	,	PUNCT
esutjss-292	54	29	have	have	VERB
esutjss-292	54	30	insufficient	insufficient	ADJ
esutjss-292	54	31	credit	credit	NOUN
esutjss-292	54	32	289	289	NUM
esutjss-292	54	33	evaluation	evaluation	NOUN
esutjss-292	54	34	protocols	protocol	NOUN
esutjss-292	54	35	,	,	PUNCT
esutjss-292	54	36	and	and	CCONJ
esutjss-292	54	37	risk	risk	NOUN
esutjss-292	54	38	management	management	NOUN
esutjss-292	54	39	(	(	PUNCT
esutjss-292	54	40	gbenga	gbenga	PROPN
esutjss-292	54	41	,	,	PUNCT
esutjss-292	54	42	2024	2024	NUM
esutjss-292	54	43	;	;	PUNCT
esutjss-292	54	44	asongu	asongu	NOUN
esutjss-292	54	45	and	and	CCONJ
esutjss-292	54	46	odhiambo	odhiambo	ADJ
esutjss-292	54	47	,	,	PUNCT
esutjss-292	54	48	2019	2019	NUM
esutjss-292	54	49	)	)	PUNCT
esutjss-292	54	50	.	.	PUNCT
esutjss-292	55	1	digital	digital	ADJ
esutjss-292	55	2	lending	lending	NOUN
esutjss-292	55	3	tap	tap	NOUN
esutjss-292	55	4	into	into	ADP
esutjss-292	55	5	technology	technology	NOUN
esutjss-292	55	6	,	,	PUNCT
esutjss-292	55	7	alternative	alternative	ADJ
esutjss-292	55	8	data	datum	NOUN
esutjss-292	55	9	,	,	PUNCT
esutjss-292	55	10	and	and	CCONJ
esutjss-292	55	11	automated	automate	VERB
esutjss-292	55	12	credit	credit	NOUN
esutjss-292	55	13	mission	mission	NOUN
esutjss-292	55	14	to	to	PART
esutjss-292	55	15	offer	offer	VERB
esutjss-292	55	16	credit	credit	NOUN
esutjss-292	55	17	solutions	solution	NOUN
esutjss-292	55	18	more	more	ADV
esutjss-292	55	19	quickly	quickly	ADV
esutjss-292	55	20	and	and	CCONJ
esutjss-292	55	21	easily	easily	ADV
esutjss-292	55	22	(	(	PUNCT
esutjss-292	55	23	alli	alli	PROPN
esutjss-292	55	24	&	&	CCONJ
esutjss-292	55	25	ganiyu	ganiyu	PROPN
esutjss-292	55	26	,	,	PUNCT
esutjss-292	55	27	2021	2021	NUM
esutjss-292	55	28	)	)	PUNCT
esutjss-292	55	29	.	.	PUNCT
esutjss-292	56	1	such	such	ADJ
esutjss-292	56	2	websites	website	NOUN
esutjss-292	56	3	use	use	VERB
esutjss-292	56	4	several	several	ADJ
esutjss-292	56	5	data	datum	NOUN
esutjss-292	56	6	points	point	NOUN
esutjss-292	56	7	such	such	ADJ
esutjss-292	56	8	as	as	ADP
esutjss-292	56	9	transaction	transaction	NOUN
esutjss-292	56	10	records	record	NOUN
esutjss-292	56	11	,	,	PUNCT
esutjss-292	56	12	your	your	PRON
esutjss-292	56	13	social	social	ADJ
esutjss-292	56	14	life	life	NOUN
esutjss-292	56	15	on	on	ADP
esutjss-292	56	16	social	social	ADJ
esutjss-292	56	17	media	medium	NOUN
esutjss-292	56	18	,	,	PUNCT
esutjss-292	56	19	and	and	CCONJ
esutjss-292	56	20	psychometric	psychometric	ADJ
esutjss-292	56	21	tests	test	NOUN
esutjss-292	56	22	to	to	PART
esutjss-292	56	23	judge	judge	VERB
esutjss-292	56	24	creditworthiness	creditworthiness	PROPN
esutjss-292	56	25	and	and	CCONJ
esutjss-292	56	26	lend	lend	VERB
esutjss-292	56	27	.	.	PUNCT
esutjss-292	57	1	employing	employ	VERB
esutjss-292	57	2	fintechs	fintech	NOUN
esutjss-292	57	3	in	in	ADP
esutjss-292	57	4	nigeria	nigeria	PROPN
esutjss-292	57	5	has	have	AUX
esutjss-292	57	6	been	be	AUX
esutjss-292	57	7	affected	affect	VERB
esutjss-292	57	8	by	by	ADP
esutjss-292	57	9	many	many	ADJ
esutjss-292	57	10	factors	factor	NOUN
esutjss-292	57	11	such	such	ADJ
esutjss-292	57	12	as	as	ADP
esutjss-292	57	13	technological	technological	ADJ
esutjss-292	57	14	infrastructure	infrastructure	NOUN
esutjss-292	57	15	,	,	PUNCT
esutjss-292	57	16	consumer	consumer	NOUN
esutjss-292	57	17	behaviour	behaviour	NOUN
esutjss-292	57	18	,	,	PUNCT
esutjss-292	57	19	competition	competition	NOUN
esutjss-292	57	20	,	,	PUNCT
esutjss-292	57	21	and	and	CCONJ
esutjss-292	57	22	socioeconomic	socioeconomic	ADJ
esutjss-292	57	23	status	status	NOUN
esutjss-292	57	24	.	.	PUNCT
esutjss-292	58	1	the	the	DET
esutjss-292	58	2	technological	technological	ADJ
esutjss-292	58	3	background	background	NOUN
esutjss-292	58	4	to	to	ADP
esutjss-292	58	5	adoption	adoption	NOUN
esutjss-292	58	6	of	of	ADP
esutjss-292	58	7	fintech	fintech	NOUN
esutjss-292	58	8	has	have	AUX
esutjss-292	58	9	been	be	AUX
esutjss-292	58	10	established	establish	VERB
esutjss-292	58	11	by	by	ADP
esutjss-292	58	12	high	high	ADJ
esutjss-292	58	13	levels	level	NOUN
esutjss-292	58	14	of	of	ADP
esutjss-292	58	15	smartphone	smartphone	ADJ
esutjss-292	58	16	penetration	penetration	NOUN
esutjss-292	58	17	,	,	PUNCT
esutjss-292	58	18	enhanced	enhance	VERB
esutjss-292	58	19	internet	internet	NOUN
esutjss-292	58	20	access	access	NOUN
esutjss-292	58	21	,	,	PUNCT
esutjss-292	58	22	and	and	CCONJ
esutjss-292	58	23	the	the	DET
esutjss-292	58	24	rise	rise	NOUN
esutjss-292	58	25	in	in	ADP
esutjss-292	58	26	digital	digital	ADJ
esutjss-292	58	27	platforms	platform	NOUN
esutjss-292	58	28	(	(	PUNCT
esutjss-292	58	29	senyo	senyo	ADV
esutjss-292	58	30	and	and	CCONJ
esutjss-292	58	31	osabutey	osabutey	PROPN
esutjss-292	58	32	,	,	PUNCT
esutjss-292	58	33	2020	2020	NUM
esutjss-292	58	34	)	)	PUNCT
esutjss-292	58	35	.	.	PUNCT
esutjss-292	59	1	demands	demand	NOUN
esutjss-292	59	2	in	in	ADP
esutjss-292	59	3	the	the	DET
esutjss-292	59	4	fintech	fintech	NOUN
esutjss-292	59	5	solutions	solution	NOUN
esutjss-292	59	6	are	be	AUX
esutjss-292	59	7	predetermined	predetermine	VERB
esutjss-292	59	8	by	by	ADP
esutjss-292	59	9	the	the	DET
esutjss-292	59	10	desire	desire	NOUN
esutjss-292	59	11	to	to	PART
esutjss-292	59	12	be	be	AUX
esutjss-292	59	13	convenient	convenient	ADJ
esutjss-292	59	14	,	,	PUNCT
esutjss-292	59	15	fast	fast	ADJ
esutjss-292	59	16	,	,	PUNCT
esutjss-292	59	17	and	and	CCONJ
esutjss-292	59	18	accessible	accessible	ADJ
esutjss-292	59	19	,	,	PUNCT
esutjss-292	59	20	and	and	CCONJ
esutjss-292	59	21	the	the	DET
esutjss-292	59	22	pressure	pressure	NOUN
esutjss-292	59	23	of	of	ADP
esutjss-292	59	24	competition	competition	NOUN
esutjss-292	59	25	has	have	AUX
esutjss-292	59	26	stimulated	stimulate	VERB
esutjss-292	59	27	the	the	DET
esutjss-292	59	28	adoption	adoption	NOUN
esutjss-292	59	29	of	of	ADP
esutjss-292	59	30	digital	digital	ADJ
esutjss-292	59	31	transformation	transformation	NOUN
esutjss-292	59	32	by	by	ADP
esutjss-292	59	33	traditional	traditional	ADJ
esutjss-292	59	34	financial	financial	ADJ
esutjss-292	59	35	institutions	institution	NOUN
esutjss-292	59	36	.	.	PUNCT
esutjss-292	60	1	smes	sme	NOUN
esutjss-292	60	2	and	and	CCONJ
esutjss-292	60	3	financial	financial	ADJ
esutjss-292	60	4	management	management	NOUN
esutjss-292	60	5	challenges	challenge	NOUN
esutjss-292	60	6	in	in	ADP
esutjss-292	60	7	nigeria	nigeria	PROPN
esutjss-292	60	8	in	in	ADP
esutjss-292	60	9	nigeria	nigeria	PROPN
esutjss-292	60	10	,	,	PUNCT
esutjss-292	60	11	the	the	DET
esutjss-292	60	12	biggest	big	ADJ
esutjss-292	60	13	proportion	proportion	NOUN
esutjss-292	60	14	of	of	ADP
esutjss-292	60	15	businesses	business	NOUN
esutjss-292	60	16	are	be	AUX
esutjss-292	60	17	comprised	comprise	VERB
esutjss-292	60	18	of	of	ADP
esutjss-292	60	19	small	small	ADJ
esutjss-292	60	20	and	and	CCONJ
esutjss-292	60	21	medium	medium	ADJ
esutjss-292	60	22	enterprises	enterprise	NOUN
esutjss-292	60	23	which	which	PRON
esutjss-292	60	24	is	be	AUX
esutjss-292	60	25	the	the	DET
esutjss-292	60	26	main	main	ADJ
esutjss-292	60	27	source	source	NOUN
esutjss-292	60	28	of	of	ADP
esutjss-292	60	29	employment	employment	NOUN
esutjss-292	60	30	,	,	PUNCT
esutjss-292	60	31	innovation	innovation	NOUN
esutjss-292	60	32	and	and	CCONJ
esutjss-292	60	33	economic	economic	ADJ
esutjss-292	60	34	growth	growth	NOUN
esutjss-292	60	35	.	.	PUNCT
esutjss-292	61	1	the	the	DET
esutjss-292	61	2	national	national	PROPN
esutjss-292	61	3	bureau	bureau	PROPN
esutjss-292	61	4	of	of	ADP
esutjss-292	61	5	statistics	statistics	PROPN
esutjss-292	61	6	estimates	estimate	VERB
esutjss-292	61	7	that	that	SCONJ
esutjss-292	61	8	around	around	ADV
esutjss-292	61	9	96	96	NUM
esutjss-292	61	10	%	%	NOUN
esutjss-292	61	11	of	of	ADP
esutjss-292	61	12	all	all	DET
esutjss-292	61	13	business	business	NOUN
esutjss-292	61	14	in	in	ADP
esutjss-292	61	15	nigeria	nigeria	PROPN
esutjss-292	61	16	is	be	AUX
esutjss-292	61	17	run	run	VERB
esutjss-292	61	18	by	by	ADP
esutjss-292	61	19	smes	sme	NOUN
esutjss-292	61	20	and	and	CCONJ
esutjss-292	61	21	that	that	SCONJ
esutjss-292	61	22	they	they	PRON
esutjss-292	61	23	supply	supply	VERB
esutjss-292	61	24	about	about	ADV
esutjss-292	61	25	48	48	NUM
esutjss-292	61	26	%	%	NOUN
esutjss-292	61	27	of	of	ADP
esutjss-292	61	28	the	the	DET
esutjss-292	61	29	national	national	PROPN
esutjss-292	61	30	gdp	gdp	PROPN
esutjss-292	61	31	(	(	PUNCT
esutjss-292	61	32	nbs	nbs	PROPN
esutjss-292	61	33	,	,	PUNCT
esutjss-292	61	34	2021	2021	NUM
esutjss-292	61	35	)	)	PUNCT
esutjss-292	61	36	.	.	PUNCT
esutjss-292	62	1	in	in	ADP
esutjss-292	62	2	nigeria	nigeria	PROPN
esutjss-292	62	3	,	,	PUNCT
esutjss-292	62	4	smes	sme	NOUN
esutjss-292	62	5	encounter	encounter	VERB
esutjss-292	62	6	a	a	DET
esutjss-292	62	7	lot	lot	NOUN
esutjss-292	62	8	of	of	ADP
esutjss-292	62	9	problems	problem	NOUN
esutjss-292	62	10	,	,	PUNCT
esutjss-292	62	11	even	even	ADV
esutjss-292	62	12	though	though	SCONJ
esutjss-292	62	13	they	they	PRON
esutjss-292	62	14	are	be	AUX
esutjss-292	62	15	economically	economically	ADV
esutjss-292	62	16	relevant	relevant	ADJ
esutjss-292	62	17	,	,	PUNCT
esutjss-292	62	18	which	which	PRON
esutjss-292	62	19	restrict	restrict	VERB
esutjss-292	62	20	their	their	PRON
esutjss-292	62	21	development	development	NOUN
esutjss-292	62	22	potential	potential	NOUN
esutjss-292	62	23	and	and	CCONJ
esutjss-292	62	24	competitiveness	competitiveness	NOUN
esutjss-292	62	25	.	.	PUNCT
esutjss-292	63	1	the	the	DET
esutjss-292	63	2	problem	problem	NOUN
esutjss-292	63	3	of	of	ADP
esutjss-292	63	4	financial	financial	ADJ
esutjss-292	63	5	management	management	NOUN
esutjss-292	63	6	is	be	AUX
esutjss-292	63	7	one	one	NUM
esutjss-292	63	8	of	of	ADP
esutjss-292	63	9	the	the	DET
esutjss-292	63	10	biggest	big	ADJ
esutjss-292	63	11	hurdles	hurdle	NOUN
esutjss-292	63	12	,	,	PUNCT
esutjss-292	63	13	which	which	PRON
esutjss-292	63	14	influence	influence	VERB
esutjss-292	63	15	their	their	PRON
esutjss-292	63	16	capacity	capacity	NOUN
esutjss-292	63	17	to	to	PART
esutjss-292	63	18	control	control	VERB
esutjss-292	63	19	cash	cash	NOUN
esutjss-292	63	20	flows	flow	NOUN
esutjss-292	63	21	,	,	PUNCT
esutjss-292	63	22	to	to	PART
esutjss-292	63	23	take	take	VERB
esutjss-292	63	24	credit	credit	NOUN
esutjss-292	63	25	,	,	PUNCT
esutjss-292	63	26	strategic	strategic	ADJ
esutjss-292	63	27	investments	investment	NOUN
esutjss-292	63	28	and	and	CCONJ
esutjss-292	63	29	their	their	PRON
esutjss-292	63	30	sustainable	sustainable	ADJ
esutjss-292	63	31	growth	growth	NOUN
esutjss-292	63	32	.	.	PUNCT
esutjss-292	64	1	finance	finance	NOUN
esutjss-292	64	2	is	be	AUX
esutjss-292	64	3	still	still	ADV
esutjss-292	64	4	a	a	DET
esutjss-292	64	5	chronic	chronic	ADJ
esutjss-292	64	6	issue	issue	NOUN
esutjss-292	64	7	facing	face	VERB
esutjss-292	64	8	nigerian	nigerian	ADJ
esutjss-292	64	9	smes	sme	NOUN
esutjss-292	64	10	where	where	SCONJ
esutjss-292	64	11	most	most	ADJ
esutjss-292	64	12	businesses	business	NOUN
esutjss-292	64	13	have	have	AUX
esutjss-292	64	14	had	have	VERB
esutjss-292	64	15	difficulties	difficulty	NOUN
esutjss-292	64	16	accessing	access	VERB
esutjss-292	64	17	sufficient	sufficient	ADJ
esutjss-292	64	18	funds	fund	NOUN
esutjss-292	64	19	through	through	ADP
esutjss-292	64	20	the	the	DET
esutjss-292	64	21	conventional	conventional	ADJ
esutjss-292	64	22	financial	financial	ADJ
esutjss-292	64	23	institutions	institution	NOUN
esutjss-292	64	24	.	.	PUNCT
esutjss-292	65	1	smes	sme	NOUN
esutjss-292	65	2	have	have	AUX
esutjss-292	65	3	been	be	AUX
esutjss-292	65	4	considered	consider	VERB
esutjss-292	65	5	risky	risky	ADJ
esutjss-292	65	6	clients	client	NOUN
esutjss-292	65	7	by	by	ADP
esutjss-292	65	8	commercial	commercial	ADJ
esutjss-292	65	9	banks	bank	NOUN
esutjss-292	65	10	because	because	SCONJ
esutjss-292	65	11	of	of	ADP
esutjss-292	65	12	various	various	ADJ
esutjss-292	65	13	conditions	condition	NOUN
esutjss-292	65	14	such	such	ADJ
esutjss-292	65	15	as	as	ADP
esutjss-292	65	16	low	low	ADJ
esutjss-292	65	17	collateral	collateral	ADJ
esutjss-292	65	18	base	base	NOUN
esutjss-292	65	19	,	,	PUNCT
esutjss-292	65	20	poor	poor	ADJ
esutjss-292	65	21	financial	financial	ADJ
esutjss-292	65	22	documents	document	NOUN
esutjss-292	65	23	and	and	CCONJ
esutjss-292	65	24	perceived	perceive	VERB
esutjss-292	65	25	management	management	NOUN
esutjss-292	65	26	ineptitude	ineptitude	NOUN
esutjss-292	65	27	(	(	PUNCT
esutjss-292	65	28	adegboye	adegboye	VERB
esutjss-292	65	29	et	et	PROPN
esutjss-292	65	30	al	al	PROPN
esutjss-292	65	31	.	.	PROPN
esutjss-292	65	32	,	,	PUNCT
esutjss-292	65	33	2020	2020	NUM
esutjss-292	65	34	)	)	PUNCT
esutjss-292	65	35	.	.	PUNCT
esutjss-292	66	1	the	the	DET
esutjss-292	66	2	ensuing	ensue	VERB
esutjss-292	66	3	credit	credit	NOUN
esutjss-292	66	4	crunch	crunch	NOUN
esutjss-292	66	5	has	have	AUX
esutjss-292	66	6	ensured	ensure	VERB
esutjss-292	66	7	that	that	SCONJ
esutjss-292	66	8	most	most	ADJ
esutjss-292	66	9	smes	sme	NOUN
esutjss-292	66	10	turn	turn	VERB
esutjss-292	66	11	to	to	ADP
esutjss-292	66	12	informal	informal	ADJ
esutjss-292	66	13	source	source	NOUN
esutjss-292	66	14	of	of	ADP
esutjss-292	66	15	finance	finance	NOUN
esutjss-292	66	16	,	,	PUNCT
esutjss-292	66	17	such	such	ADJ
esutjss-292	66	18	as	as	ADP
esutjss-292	66	19	personal	personal	ADJ
esutjss-292	66	20	savings	saving	NOUN
esutjss-292	66	21	,	,	PUNCT
esutjss-292	66	22	family	family	NOUN
esutjss-292	66	23	contribution	contribution	NOUN
esutjss-292	66	24	as	as	ADV
esutjss-292	66	25	well	well	ADV
esutjss-292	66	26	as	as	ADP
esutjss-292	66	27	money	money	NOUN
esutjss-292	66	28	lenders	lender	NOUN
esutjss-292	66	29	which	which	PRON
esutjss-292	66	30	are	be	AUX
esutjss-292	66	31	either	either	CCONJ
esutjss-292	66	32	inadequate	inadequate	ADJ
esutjss-292	66	33	or	or	CCONJ
esutjss-292	66	34	costly	costly	ADJ
esutjss-292	66	35	.	.	PUNCT
esutjss-292	67	1	this	this	DET
esutjss-292	67	2	financing	financing	NOUN
esutjss-292	67	3	constraint	constraint	NOUN
esutjss-292	67	4	limits	limit	VERB
esutjss-292	67	5	smes	sme	NOUN
esutjss-292	67	6	'	'	PART
esutjss-292	67	7	ability	ability	NOUN
esutjss-292	67	8	to	to	PART
esutjss-292	67	9	invest	invest	VERB
esutjss-292	67	10	in	in	ADP
esutjss-292	67	11	technology	technology	NOUN
esutjss-292	67	12	,	,	PUNCT
esutjss-292	67	13	expand	expand	VERB
esutjss-292	67	14	operations	operation	NOUN
esutjss-292	67	15	,	,	PUNCT
esutjss-292	67	16	or	or	CCONJ
esutjss-292	67	17	take	take	VERB
esutjss-292	67	18	advantage	advantage	NOUN
esutjss-292	67	19	of	of	ADP
esutjss-292	67	20	growth	growth	NOUN
esutjss-292	67	21	opportunities	opportunity	NOUN
esutjss-292	67	22	.	.	PUNCT
esutjss-292	68	1	another	another	DET
esutjss-292	68	2	main	main	ADJ
esutjss-292	68	3	issue	issue	NOUN
esutjss-292	68	4	facing	face	VERB
esutjss-292	68	5	the	the	DET
esutjss-292	68	6	nigerian	nigerian	ADJ
esutjss-292	68	7	smes	sme	NOUN
esutjss-292	68	8	is	be	AUX
esutjss-292	68	9	cash	cash	NOUN
esutjss-292	68	10	flow	flow	NOUN
esutjss-292	68	11	management	management	NOUN
esutjss-292	68	12	especially	especially	ADV
esutjss-292	68	13	where	where	SCONJ
esutjss-292	68	14	the	the	DET
esutjss-292	68	15	company	company	NOUN
esutjss-292	68	16	deals	deal	VERB
esutjss-292	68	17	with	with	ADP
esutjss-292	68	18	volatile	volatile	ADJ
esutjss-292	68	19	markets	market	NOUN
esutjss-292	68	20	or	or	CCONJ
esutjss-292	68	21	seasonal	seasonal	ADJ
esutjss-292	68	22	businesses	business	NOUN
esutjss-292	68	23	.	.	PUNCT
esutjss-292	69	1	a	a	DET
esutjss-292	69	2	lot	lot	NOUN
esutjss-292	69	3	of	of	ADP
esutjss-292	69	4	smes	sme	NOUN
esutjss-292	69	5	do	do	AUX
esutjss-292	69	6	not	not	PART
esutjss-292	69	7	have	have	VERB
esutjss-292	69	8	advanced	advanced	ADJ
esutjss-292	69	9	financial	financial	ADJ
esutjss-292	69	10	management	management	NOUN
esutjss-292	69	11	systems	system	NOUN
esutjss-292	69	12	and	and	CCONJ
esutjss-292	69	13	use	use	VERB
esutjss-292	69	14	manual	manual	ADJ
esutjss-292	69	15	systems	system	NOUN
esutjss-292	69	16	to	to	PART
esutjss-292	69	17	trace	trace	NOUN
esutjss-292	69	18	revenues	revenue	NOUN
esutjss-292	69	19	,	,	PUNCT
esutjss-292	69	20	expenses	expense	NOUN
esutjss-292	69	21	,	,	PUNCT
esutjss-292	69	22	and	and	CCONJ
esutjss-292	69	23	cash	cash	NOUN
esutjss-292	69	24	positions	position	NOUN
esutjss-292	69	25	(	(	PUNCT
esutjss-292	69	26	ayandibu	ayandibu	NOUN
esutjss-292	69	27	and	and	CCONJ
esutjss-292	69	28	houghton	houghton	NOUN
esutjss-292	69	29	,	,	PUNCT
esutjss-292	69	30	2017	2017	NUM
esutjss-292	69	31	)	)	PUNCT
esutjss-292	69	32	.	.	PUNCT
esutjss-292	70	1	this	this	PRON
esutjss-292	70	2	may	may	AUX
esutjss-292	70	3	result	result	VERB
esutjss-292	70	4	in	in	ADP
esutjss-292	70	5	insufficient	insufficient	ADJ
esutjss-292	70	6	financial	financial	ADJ
esutjss-292	70	7	performance	performance	NOUN
esutjss-292	70	8	transparency	transparency	NOUN
esutjss-292	70	9	,	,	PUNCT
esutjss-292	70	10	poor	poor	ADJ
esutjss-292	70	11	decision	decision	NOUN
esutjss-292	70	12	making	making	NOUN
esutjss-292	70	13	and	and	CCONJ
esutjss-292	70	14	crises	crisis	NOUN
esutjss-292	70	15	of	of	ADP
esutjss-292	70	16	cash	cash	NOUN
esutjss-292	70	17	flow	flow	NOUN
esutjss-292	70	18	that	that	PRON
esutjss-292	70	19	can	can	AUX
esutjss-292	70	20	put	put	VERB
esutjss-292	70	21	business	business	NOUN
esutjss-292	70	22	under	under	ADP
esutjss-292	70	23	threat	threat	NOUN
esutjss-292	70	24	of	of	ADP
esutjss-292	70	25	extinction	extinction	NOUN
esutjss-292	70	26	.	.	PUNCT
esutjss-292	71	1	lack	lack	NOUN
esutjss-292	71	2	of	of	ADP
esutjss-292	71	3	effective	effective	ADJ
esutjss-292	71	4	payment	payment	NOUN
esutjss-292	71	5	mechanisms	mechanism	NOUN
esutjss-292	71	6	and	and	CCONJ
esutjss-292	71	7	protracted	protract	VERB
esutjss-292	71	8	collection	collection	NOUN
esutjss-292	71	9	periods	period	NOUN
esutjss-292	71	10	also	also	ADV
esutjss-292	71	11	contributes	contribute	VERB
esutjss-292	71	12	to	to	ADP
esutjss-292	71	13	the	the	DET
esutjss-292	71	14	problem	problem	NOUN
esutjss-292	71	15	of	of	ADP
esutjss-292	71	16	cash	cash	NOUN
esutjss-292	71	17	flow	flow	NOUN
esutjss-292	71	18	,	,	PUNCT
esutjss-292	71	19	especially	especially	ADV
esutjss-292	71	20	where	where	SCONJ
esutjss-292	71	21	companies	company	NOUN
esutjss-292	71	22	have	have	VERB
esutjss-292	71	23	a	a	DET
esutjss-292	71	24	number	number	NOUN
esutjss-292	71	25	of	of	ADP
esutjss-292	71	26	customers	customer	NOUN
esutjss-292	71	27	and	and	CCONJ
esutjss-292	71	28	suppliers	supplier	NOUN
esutjss-292	71	29	.	.	PUNCT
esutjss-292	72	1	nigerian	nigerian	ADJ
esutjss-292	72	2	smes	sme	NOUN
esutjss-292	72	3	have	have	VERB
esutjss-292	72	4	poor	poor	ADJ
esutjss-292	72	5	financial	financial	ADJ
esutjss-292	72	6	record	record	NOUN
esutjss-292	72	7	-	-	PUNCT
esutjss-292	72	8	keeping	keeping	NOUN
esutjss-292	72	9	and	and	CCONJ
esutjss-292	72	10	reporting	reporting	NOUN
esutjss-292	72	11	,	,	PUNCT
esutjss-292	72	12	which	which	PRON
esutjss-292	72	13	restricts	restrict	VERB
esutjss-292	72	14	their	their	PRON
esutjss-292	72	15	capacity	capacity	NOUN
esutjss-292	72	16	to	to	PART
esutjss-292	72	17	make	make	VERB
esutjss-292	72	18	sound	sound	ADJ
esutjss-292	72	19	business	business	NOUN
esutjss-292	72	20	decisions	decision	NOUN
esutjss-292	72	21	and	and	CCONJ
esutjss-292	72	22	have	have	VERB
esutjss-292	72	23	access	access	NOUN
esutjss-292	72	24	to	to	ADP
esutjss-292	72	25	formal	formal	ADJ
esutjss-292	72	26	financial	financial	ADJ
esutjss-292	72	27	services	service	NOUN
esutjss-292	72	28	.	.	PUNCT
esutjss-292	73	1	most	most	ADJ
esutjss-292	73	2	smes	sme	NOUN
esutjss-292	73	3	have	have	AUX
esutjss-292	73	4	partially	partially	ADV
esutjss-292	73	5	or	or	CCONJ
esutjss-292	73	6	untidy	untidy	ADJ
esutjss-292	73	7	financial	financial	ADJ
esutjss-292	73	8	statements	statement	NOUN
esutjss-292	73	9	,	,	PUNCT
esutjss-292	73	10	use	use	VERB
esutjss-292	73	11	informal	informal	ADJ
esutjss-292	73	12	accounting	accounting	NOUN
esutjss-292	73	13	standards	standard	NOUN
esutjss-292	73	14	and	and	CCONJ
esutjss-292	73	15	are	be	AUX
esutjss-292	73	16	not	not	PART
esutjss-292	73	17	yet	yet	ADV
esutjss-292	73	18	skilled	skilled	ADJ
esutjss-292	73	19	enough	enough	ADV
esutjss-292	73	20	to	to	PART
esutjss-292	73	21	prepare	prepare	VERB
esutjss-292	73	22	fully	fully	ADV
esutjss-292	73	23	detailed	detailed	ADJ
esutjss-292	73	24	financial	financial	ADJ
esutjss-292	73	25	statements	statement	NOUN
esutjss-292	73	26	(	(	PUNCT
esutjss-292	73	27	okpara	okpara	NOUN
esutjss-292	73	28	,	,	PUNCT
esutjss-292	73	29	2011	2011	NUM
esutjss-292	73	30	)	)	PUNCT
esutjss-292	73	31	.	.	PUNCT
esutjss-292	74	1	this	this	DET
esutjss-292	74	2	inadequacy	inadequacy	NOUN
esutjss-292	74	3	does	do	AUX
esutjss-292	74	4	not	not	PART
esutjss-292	74	5	only	only	ADV
esutjss-292	74	6	hamper	hamper	VERB
esutjss-292	74	7	the	the	DET
esutjss-292	74	8	internal	internal	ADJ
esutjss-292	74	9	management	management	NOUN
esutjss-292	74	10	decision	decision	NOUN
esutjss-292	74	11	making	making	NOUN
esutjss-292	74	12	but	but	CCONJ
esutjss-292	74	13	it	it	PRON
esutjss-292	74	14	also	also	ADV
esutjss-292	74	15	provides	provide	VERB
esutjss-292	74	16	impediments	impediment	NOUN
esutjss-292	74	17	to	to	PART
esutjss-292	74	18	gaining	gain	VERB
esutjss-292	74	19	formal	formal	ADJ
esutjss-292	74	20	credit	credit	NOUN
esutjss-292	74	21	because	because	SCONJ
esutjss-292	74	22	the	the	DET
esutjss-292	74	23	financial	financial	ADJ
esutjss-292	74	24	institutions	institution	NOUN
esutjss-292	74	25	need	need	VERB
esutjss-292	74	26	comprehensive	comprehensive	ADJ
esutjss-292	74	27	financial	financial	ADJ
esutjss-292	74	28	details	detail	NOUN
esutjss-292	74	29	to	to	PART
esutjss-292	74	30	make	make	VERB
esutjss-292	74	31	credit	credit	NOUN
esutjss-292	74	32	evaluation	evaluation	NOUN
esutjss-292	74	33	decisions	decision	NOUN
esutjss-292	74	34	.	.	PUNCT
esutjss-292	75	1	the	the	DET
esutjss-292	75	2	digital	digital	ADJ
esutjss-292	75	3	divide	divide	NOUN
esutjss-292	75	4	and	and	CCONJ
esutjss-292	75	5	technological	technological	ADJ
esutjss-292	75	6	limitations	limitation	NOUN
esutjss-292	75	7	also	also	ADV
esutjss-292	75	8	affect	affect	VERB
esutjss-292	75	9	smes	sme	NOUN
esutjss-292	75	10	'	'	PART
esutjss-292	75	11	financial	financial	ADJ
esutjss-292	75	12	management	management	NOUN
esutjss-292	75	13	capabilities	capability	NOUN
esutjss-292	75	14	.	.	PUNCT
esutjss-292	76	1	technology	technology	NOUN
esutjss-292	76	2	provides	provide	VERB
esutjss-292	76	3	a	a	DET
esutjss-292	76	4	solution	solution	NOUN
esutjss-292	76	5	to	to	ADP
esutjss-292	76	6	the	the	DET
esutjss-292	76	7	efficient	efficient	ADJ
esutjss-292	76	8	management	management	NOUN
esutjss-292	76	9	of	of	ADP
esutjss-292	76	10	finances	finance	NOUN
esutjss-292	76	11	,	,	PUNCT
esutjss-292	76	12	but	but	CCONJ
esutjss-292	76	13	most	most	ADJ
esutjss-292	76	14	smes	sme	NOUN
esutjss-292	76	15	have	have	VERB
esutjss-292	76	16	no	no	DET
esutjss-292	76	17	resources	resource	NOUN
esutjss-292	76	18	,	,	PUNCT
esutjss-292	76	19	knowledge	knowledge	NOUN
esutjss-292	76	20	or	or	CCONJ
esutjss-292	76	21	infrastructure	infrastructure	NOUN
esutjss-292	76	22	to	to	PART
esutjss-292	76	23	use	use	VERB
esutjss-292	76	24	advanced	advanced	ADJ
esutjss-292	76	25	financial	financial	ADJ
esutjss-292	76	26	management	management	NOUN
esutjss-292	76	27	systems	system	NOUN
esutjss-292	76	28	(	(	PUNCT
esutjss-292	76	29	iman	iman	NOUN
esutjss-292	76	30	,	,	PUNCT
esutjss-292	76	31	2020	2020	NUM
esutjss-292	76	32	)	)	PUNCT
esutjss-292	76	33	.	.	PUNCT
esutjss-292	77	1	this	this	DET
esutjss-292	77	2	technological	technological	ADJ
esutjss-292	77	3	disparity	disparity	NOUN
esutjss-292	77	4	constrains	constrain	VERB
esutjss-292	77	5	their	their	PRON
esutjss-292	77	6	powers	power	NOUN
esutjss-292	77	7	to	to	ADP
esutjss-292	77	8	automation	automation	NOUN
esutjss-292	77	9	of	of	ADP
esutjss-292	77	10	financial	financial	ADJ
esutjss-292	77	11	290	290	NUM
esutjss-292	77	12	operations	operation	NOUN
esutjss-292	77	13	,	,	PUNCT
esutjss-292	77	14	creation	creation	NOUN
esutjss-292	77	15	of	of	ADP
esutjss-292	77	16	real	real	ADJ
esutjss-292	77	17	time	time	NOUN
esutjss-292	77	18	financial	financial	ADJ
esutjss-292	77	19	data	datum	NOUN
esutjss-292	77	20	and	and	CCONJ
esutjss-292	77	21	assimilation	assimilation	NOUN
esutjss-292	77	22	of	of	ADP
esutjss-292	77	23	financial	financial	ADJ
esutjss-292	77	24	administration	administration	NOUN
esutjss-292	77	25	with	with	ADP
esutjss-292	77	26	other	other	ADJ
esutjss-292	77	27	business	business	NOUN
esutjss-292	77	28	activities	activity	NOUN
esutjss-292	77	29	.	.	PUNCT
esutjss-292	78	1	mobile	mobile	ADJ
esutjss-292	78	2	payment	payment	NOUN
esutjss-292	78	3	systems	system	NOUN
esutjss-292	78	4	and	and	CCONJ
esutjss-292	78	5	financial	financial	ADJ
esutjss-292	78	6	management	management	NOUN
esutjss-292	78	7	mobile	mobile	ADJ
esutjss-292	78	8	payment	payment	NOUN
esutjss-292	78	9	systems	system	NOUN
esutjss-292	78	10	have	have	AUX
esutjss-292	78	11	presented	present	VERB
esutjss-292	78	12	innovative	innovative	ADJ
esutjss-292	78	13	changes	change	NOUN
esutjss-292	78	14	to	to	PART
esutjss-292	78	15	enhance	enhance	VERB
esutjss-292	78	16	efficiency	efficiency	NOUN
esutjss-292	78	17	in	in	ADP
esutjss-292	78	18	financial	financial	ADJ
esutjss-292	78	19	management	management	NOUN
esutjss-292	78	20	among	among	ADP
esutjss-292	78	21	the	the	DET
esutjss-292	78	22	smes	sme	NOUN
esutjss-292	78	23	in	in	ADP
esutjss-292	78	24	the	the	DET
esutjss-292	78	25	world	world	NOUN
esutjss-292	78	26	.	.	PUNCT
esutjss-292	79	1	through	through	ADP
esutjss-292	79	2	mobile	mobile	ADJ
esutjss-292	79	3	technology	technology	NOUN
esutjss-292	79	4	,	,	PUNCT
esutjss-292	79	5	such	such	ADJ
esutjss-292	79	6	systems	system	NOUN
esutjss-292	79	7	can	can	AUX
esutjss-292	79	8	be	be	AUX
esutjss-292	79	9	used	use	VERB
esutjss-292	79	10	to	to	PART
esutjss-292	79	11	carry	carry	VERB
esutjss-292	79	12	out	out	ADP
esutjss-292	79	13	electronic	electronic	ADJ
esutjss-292	79	14	transactions	transaction	NOUN
esutjss-292	79	15	,	,	PUNCT
esutjss-292	79	16	which	which	PRON
esutjss-292	79	17	allow	allow	VERB
esutjss-292	79	18	businesses	business	NOUN
esutjss-292	79	19	to	to	PART
esutjss-292	79	20	send	send	VERB
esutjss-292	79	21	and	and	CCONJ
esutjss-292	79	22	receive	receive	VERB
esutjss-292	79	23	payments	payment	NOUN
esutjss-292	79	24	,	,	PUNCT
esutjss-292	79	25	control	control	NOUN
esutjss-292	79	26	cash	cash	NOUN
esutjss-292	79	27	flows	flow	NOUN
esutjss-292	79	28	,	,	PUNCT
esutjss-292	79	29	and	and	CCONJ
esutjss-292	79	30	store	store	NOUN
esutjss-292	79	31	records	record	NOUN
esutjss-292	79	32	of	of	ADP
esutjss-292	79	33	transactions	transaction	NOUN
esutjss-292	79	34	using	use	VERB
esutjss-292	79	35	mobile	mobile	ADJ
esutjss-292	79	36	devices	device	NOUN
esutjss-292	79	37	(	(	PUNCT
esutjss-292	79	38	dahlberg	dahlberg	PROPN
esutjss-292	79	39	et	et	PROPN
esutjss-292	79	40	al	al	PROPN
esutjss-292	79	41	.	.	PROPN
esutjss-292	79	42	,	,	PUNCT
esutjss-292	79	43	2015	2015	NUM
esutjss-292	79	44	)	)	PUNCT
esutjss-292	79	45	.	.	PUNCT
esutjss-292	80	1	mobile	mobile	ADJ
esutjss-292	80	2	payment	payment	NOUN
esutjss-292	80	3	systems	system	NOUN
esutjss-292	80	4	have	have	VERB
esutjss-292	80	5	a	a	DET
esutjss-292	80	6	number	number	NOUN
esutjss-292	80	7	of	of	ADP
esutjss-292	80	8	benefits	benefit	NOUN
esutjss-292	80	9	over	over	ADP
esutjss-292	80	10	conventional	conventional	ADJ
esutjss-292	80	11	payment	payment	NOUN
esutjss-292	80	12	systems	system	NOUN
esutjss-292	80	13	to	to	ADP
esutjss-292	80	14	smes	sme	NOUN
esutjss-292	80	15	such	such	ADJ
esutjss-292	80	16	as	as	ADP
esutjss-292	80	17	less	less	ADJ
esutjss-292	80	18	transaction	transaction	NOUN
esutjss-292	80	19	costs	cost	NOUN
esutjss-292	80	20	,	,	PUNCT
esutjss-292	80	21	faster	fast	ADJ
esutjss-292	80	22	payment	payment	NOUN
esutjss-292	80	23	,	,	PUNCT
esutjss-292	80	24	greater	great	ADJ
esutjss-292	80	25	security	security	NOUN
esutjss-292	80	26	,	,	PUNCT
esutjss-292	80	27	and	and	CCONJ
esutjss-292	80	28	greater	great	ADJ
esutjss-292	80	29	record	record	NOUN
esutjss-292	80	30	-	-	PUNCT
esutjss-292	80	31	keeping	keep	VERB
esutjss-292	80	32	capacity	capacity	NOUN
esutjss-292	80	33	.	.	PUNCT
esutjss-292	81	1	the	the	DET
esutjss-292	81	2	implications	implication	NOUN
esutjss-292	81	3	of	of	ADP
esutjss-292	81	4	the	the	DET
esutjss-292	81	5	mobile	mobile	ADJ
esutjss-292	81	6	payment	payment	NOUN
esutjss-292	81	7	systems	system	NOUN
esutjss-292	81	8	on	on	ADP
esutjss-292	81	9	the	the	DET
esutjss-292	81	10	effectiveness	effectiveness	NOUN
esutjss-292	81	11	of	of	ADP
esutjss-292	81	12	financial	financial	ADJ
esutjss-292	81	13	management	management	NOUN
esutjss-292	81	14	are	be	AUX
esutjss-292	81	15	manifold	manifold	ADJ
esutjss-292	81	16	since	since	SCONJ
esutjss-292	81	17	it	it	PRON
esutjss-292	81	18	impacts	impact	VERB
esutjss-292	81	19	on	on	ADP
esutjss-292	81	20	many	many	ADJ
esutjss-292	81	21	areas	area	NOUN
esutjss-292	81	22	of	of	ADP
esutjss-292	81	23	operations	operation	NOUN
esutjss-292	81	24	of	of	ADP
esutjss-292	81	25	the	the	DET
esutjss-292	81	26	sme	sme	PROPN
esutjss-292	81	27	.	.	PUNCT
esutjss-292	82	1	one	one	NUM
esutjss-292	82	2	of	of	ADP
esutjss-292	82	3	the	the	DET
esutjss-292	82	4	most	most	ADV
esutjss-292	82	5	direct	direct	ADJ
esutjss-292	82	6	advantages	advantage	NOUN
esutjss-292	82	7	is	be	AUX
esutjss-292	82	8	transaction	transaction	NOUN
esutjss-292	82	9	processing	processing	NOUN
esutjss-292	82	10	efficiency	efficiency	NOUN
esutjss-292	82	11	because	because	SCONJ
esutjss-292	82	12	mobile	mobile	ADJ
esutjss-292	82	13	payments	payment	NOUN
esutjss-292	82	14	often	often	ADV
esutjss-292	82	15	save	save	VERB
esutjss-292	82	16	on	on	ADP
esutjss-292	82	17	time	time	NOUN
esutjss-292	82	18	and	and	CCONJ
esutjss-292	82	19	effort	effort	NOUN
esutjss-292	82	20	that	that	PRON
esutjss-292	82	21	are	be	AUX
esutjss-292	82	22	needed	need	VERB
esutjss-292	82	23	to	to	PART
esutjss-292	82	24	finalize	finalize	VERB
esutjss-292	82	25	transactions	transaction	NOUN
esutjss-292	82	26	with	with	ADP
esutjss-292	82	27	cash	cash	NOUN
esutjss-292	82	28	or	or	CCONJ
esutjss-292	82	29	check	check	NOUN
esutjss-292	82	30	-	-	PUNCT
esutjss-292	82	31	based	base	VERB
esutjss-292	82	32	payments	payment	NOUN
esutjss-292	82	33	(	(	PUNCT
esutjss-292	82	34	ouma	ouma	PROPN
esutjss-292	82	35	et	et	PROPN
esutjss-292	82	36	al	al	PROPN
esutjss-292	82	37	.	.	PROPN
esutjss-292	82	38	,	,	PUNCT
esutjss-292	82	39	2021	2021	NUM
esutjss-292	82	40	)	)	PUNCT
esutjss-292	82	41	.	.	PUNCT
esutjss-292	83	1	this	this	DET
esutjss-292	83	2	increase	increase	NOUN
esutjss-292	83	3	in	in	ADP
esutjss-292	83	4	efficiency	efficiency	NOUN
esutjss-292	83	5	leads	lead	VERB
esutjss-292	83	6	to	to	ADP
esutjss-292	83	7	the	the	DET
esutjss-292	83	8	savings	saving	NOUN
esutjss-292	83	9	of	of	ADP
esutjss-292	83	10	cost	cost	NOUN
esutjss-292	83	11	and	and	CCONJ
esutjss-292	83	12	the	the	DET
esutjss-292	83	13	satisfaction	satisfaction	NOUN
esutjss-292	83	14	of	of	ADP
esutjss-292	83	15	customers	customer	NOUN
esutjss-292	83	16	as	as	ADP
esutjss-292	83	17	companies	company	NOUN
esutjss-292	83	18	can	can	AUX
esutjss-292	83	19	provide	provide	VERB
esutjss-292	83	20	services	service	NOUN
esutjss-292	83	21	to	to	ADP
esutjss-292	83	22	more	more	ADJ
esutjss-292	83	23	customers	customer	NOUN
esutjss-292	83	24	within	within	ADP
esutjss-292	83	25	the	the	DET
esutjss-292	83	26	shortest	short	ADJ
esutjss-292	83	27	time	time	NOUN
esutjss-292	83	28	possible	possible	ADJ
esutjss-292	83	29	,	,	PUNCT
esutjss-292	83	30	besides	besides	SCONJ
esutjss-292	83	31	minimizing	minimize	VERB
esutjss-292	83	32	errors	error	NOUN
esutjss-292	83	33	in	in	ADP
esutjss-292	83	34	transactions	transaction	NOUN
esutjss-292	83	35	.	.	PUNCT
esutjss-292	84	1	mobile	mobile	ADJ
esutjss-292	84	2	payment	payment	NOUN
esutjss-292	84	3	adoption	adoption	NOUN
esutjss-292	84	4	is	be	AUX
esutjss-292	84	5	also	also	ADV
esutjss-292	84	6	beneficial	beneficial	ADJ
esutjss-292	84	7	to	to	ADP
esutjss-292	84	8	the	the	DET
esutjss-292	84	9	management	management	NOUN
esutjss-292	84	10	of	of	ADP
esutjss-292	84	11	cash	cash	NOUN
esutjss-292	84	12	flows	flow	NOUN
esutjss-292	84	13	since	since	SCONJ
esutjss-292	84	14	transactions	transaction	NOUN
esutjss-292	84	15	can	can	AUX
esutjss-292	84	16	be	be	AUX
esutjss-292	84	17	processed	process	VERB
esutjss-292	84	18	in	in	ADP
esutjss-292	84	19	real	real	ADJ
esutjss-292	84	20	time	time	NOUN
esutjss-292	84	21	using	use	VERB
esutjss-292	84	22	these	these	DET
esutjss-292	84	23	systems	system	NOUN
esutjss-292	84	24	and	and	CCONJ
esutjss-292	84	25	the	the	DET
esutjss-292	84	26	systems	system	NOUN
esutjss-292	84	27	can	can	AUX
esutjss-292	84	28	also	also	ADV
esutjss-292	84	29	maintain	maintain	VERB
esutjss-292	84	30	records	record	NOUN
esutjss-292	84	31	automatically	automatically	ADV
esutjss-292	84	32	.	.	PUNCT
esutjss-292	85	1	smes	sme	NOUN
esutjss-292	85	2	using	use	VERB
esutjss-292	85	3	mobile	mobile	ADJ
esutjss-292	85	4	payment	payment	NOUN
esutjss-292	85	5	systems	system	NOUN
esutjss-292	85	6	can	can	AUX
esutjss-292	85	7	receive	receive	VERB
esutjss-292	85	8	payments	payment	NOUN
esutjss-292	85	9	immediately	immediately	ADV
esutjss-292	85	10	,	,	PUNCT
esutjss-292	85	11	improving	improve	VERB
esutjss-292	85	12	their	their	PRON
esutjss-292	85	13	cash	cash	NOUN
esutjss-292	85	14	positions	position	NOUN
esutjss-292	85	15	and	and	CCONJ
esutjss-292	85	16	reducing	reduce	VERB
esutjss-292	85	17	the	the	DET
esutjss-292	85	18	need	need	NOUN
esutjss-292	85	19	for	for	ADP
esutjss-292	85	20	extensive	extensive	ADJ
esutjss-292	85	21	cash	cash	NOUN
esutjss-292	85	22	handling	handling	NOUN
esutjss-292	85	23	procedures	procedure	NOUN
esutjss-292	85	24	(	(	PUNCT
esutjss-292	85	25	senyo	senyo	NOUN
esutjss-292	85	26	&	&	CCONJ
esutjss-292	85	27	osabutey	osabutey	PROPN
esutjss-292	85	28	,	,	PUNCT
esutjss-292	85	29	2020	2020	NUM
esutjss-292	85	30	)	)	PUNCT
esutjss-292	85	31	.	.	PUNCT
esutjss-292	86	1	the	the	DET
esutjss-292	86	2	digital	digital	ADJ
esutjss-292	86	3	nature	nature	NOUN
esutjss-292	86	4	of	of	ADP
esutjss-292	86	5	mobile	mobile	ADJ
esutjss-292	86	6	payments	payment	NOUN
esutjss-292	86	7	also	also	ADV
esutjss-292	86	8	creates	create	VERB
esutjss-292	86	9	automatic	automatic	ADJ
esutjss-292	86	10	transaction	transaction	NOUN
esutjss-292	86	11	records	record	NOUN
esutjss-292	86	12	,	,	PUNCT
esutjss-292	86	13	providing	provide	VERB
esutjss-292	86	14	businesses	business	NOUN
esutjss-292	86	15	with	with	ADP
esutjss-292	86	16	detailed	detailed	ADJ
esutjss-292	86	17	information	information	NOUN
esutjss-292	86	18	about	about	ADP
esutjss-292	86	19	payment	payment	NOUN
esutjss-292	86	20	patterns	pattern	NOUN
esutjss-292	86	21	,	,	PUNCT
esutjss-292	86	22	customer	customer	NOUN
esutjss-292	86	23	behavior	behavior	NOUN
esutjss-292	86	24	,	,	PUNCT
esutjss-292	86	25	and	and	CCONJ
esutjss-292	86	26	cash	cash	NOUN
esutjss-292	86	27	flow	flow	NOUN
esutjss-292	86	28	trends	trend	NOUN
esutjss-292	86	29	that	that	PRON
esutjss-292	86	30	can	can	AUX
esutjss-292	86	31	inform	inform	VERB
esutjss-292	86	32	financial	financial	ADJ
esutjss-292	86	33	planning	planning	NOUN
esutjss-292	86	34	and	and	CCONJ
esutjss-292	86	35	decision	decision	NOUN
esutjss-292	86	36	-	-	PUNCT
esutjss-292	86	37	making	make	VERB
esutjss-292	86	38	processes	process	NOUN
esutjss-292	86	39	.	.	PUNCT
esutjss-292	87	1	cost	cost	NOUN
esutjss-292	87	2	reduction	reduction	NOUN
esutjss-292	87	3	represents	represent	VERB
esutjss-292	87	4	another	another	DET
esutjss-292	87	5	significant	significant	ADJ
esutjss-292	87	6	benefit	benefit	NOUN
esutjss-292	87	7	of	of	ADP
esutjss-292	87	8	mobile	mobile	ADJ
esutjss-292	87	9	payment	payment	NOUN
esutjss-292	87	10	systems	system	NOUN
esutjss-292	87	11	for	for	ADP
esutjss-292	87	12	smes	sme	NOUN
esutjss-292	87	13	.	.	PUNCT
esutjss-292	88	1	conventional	conventional	ADJ
esutjss-292	88	2	methods	method	NOUN
esutjss-292	88	3	of	of	ADP
esutjss-292	88	4	payment	payment	NOUN
esutjss-292	88	5	processing	processing	NOUN
esutjss-292	88	6	usually	usually	ADV
esutjss-292	88	7	have	have	VERB
esutjss-292	88	8	a	a	DET
esutjss-292	88	9	number	number	NOUN
esutjss-292	88	10	of	of	ADP
esutjss-292	88	11	charges	charge	NOUN
esutjss-292	88	12	such	such	ADJ
esutjss-292	88	13	as	as	ADP
esutjss-292	88	14	bank	bank	NOUN
esutjss-292	88	15	charges	charge	NOUN
esutjss-292	88	16	,	,	PUNCT
esutjss-292	88	17	cash	cash	NOUN
esutjss-292	88	18	handling	handling	NOUN
esutjss-292	88	19	charges	charge	NOUN
esutjss-292	88	20	,	,	PUNCT
esutjss-292	88	21	and	and	CCONJ
esutjss-292	88	22	administration	administration	NOUN
esutjss-292	88	23	costs	cost	NOUN
esutjss-292	88	24	.	.	PUNCT
esutjss-292	89	1	these	these	DET
esutjss-292	89	2	costs	cost	NOUN
esutjss-292	89	3	can	can	AUX
esutjss-292	89	4	be	be	AUX
esutjss-292	89	5	minimized	minimize	VERB
esutjss-292	89	6	by	by	ADP
esutjss-292	89	7	using	use	VERB
esutjss-292	89	8	mobile	mobile	ADJ
esutjss-292	89	9	payment	payment	NOUN
esutjss-292	89	10	systems	system	NOUN
esutjss-292	89	11	that	that	PRON
esutjss-292	89	12	will	will	AUX
esutjss-292	89	13	decrease	decrease	VERB
esutjss-292	89	14	the	the	DET
esutjss-292	89	15	transaction	transaction	NOUN
esutjss-292	89	16	fees	fee	NOUN
esutjss-292	89	17	,	,	PUNCT
esutjss-292	89	18	remove	remove	VERB
esutjss-292	89	19	the	the	DET
esutjss-292	89	20	need	need	NOUN
esutjss-292	89	21	to	to	PART
esutjss-292	89	22	handle	handle	VERB
esutjss-292	89	23	cash	cash	NOUN
esutjss-292	89	24	,	,	PUNCT
esutjss-292	89	25	and	and	CCONJ
esutjss-292	89	26	decrease	decrease	VERB
esutjss-292	89	27	the	the	DET
esutjss-292	89	28	administrative	administrative	ADJ
esutjss-292	89	29	overhead	overhead	NOUN
esutjss-292	89	30	(	(	PUNCT
esutjss-292	89	31	puschmann	puschmann	PROPN
esutjss-292	89	32	,	,	PUNCT
esutjss-292	89	33	2017	2017	NUM
esutjss-292	89	34	)	)	PUNCT
esutjss-292	89	35	.	.	PUNCT
esutjss-292	90	1	these	these	DET
esutjss-292	90	2	cost	cost	NOUN
esutjss-292	90	3	savings	saving	NOUN
esutjss-292	90	4	can	can	AUX
esutjss-292	90	5	improve	improve	VERB
esutjss-292	90	6	sme	sme	NOUN
esutjss-292	90	7	profitability	profitability	NOUN
esutjss-292	90	8	and	and	CCONJ
esutjss-292	90	9	create	create	VERB
esutjss-292	90	10	resources	resource	NOUN
esutjss-292	90	11	for	for	ADP
esutjss-292	90	12	investment	investment	NOUN
esutjss-292	90	13	in	in	ADP
esutjss-292	90	14	other	other	ADJ
esutjss-292	90	15	business	business	NOUN
esutjss-292	90	16	activities	activity	NOUN
esutjss-292	90	17	.	.	PUNCT
esutjss-292	91	1	security	security	NOUN
esutjss-292	91	2	and	and	CCONJ
esutjss-292	91	3	transparency	transparency	NOUN
esutjss-292	91	4	benefits	benefit	NOUN
esutjss-292	91	5	of	of	ADP
esutjss-292	91	6	mobile	mobile	ADJ
esutjss-292	91	7	payment	payment	NOUN
esutjss-292	91	8	systems	system	NOUN
esutjss-292	91	9	also	also	ADV
esutjss-292	91	10	contribute	contribute	VERB
esutjss-292	91	11	to	to	ADP
esutjss-292	91	12	improved	improve	VERB
esutjss-292	91	13	financial	financial	ADJ
esutjss-292	91	14	management	management	NOUN
esutjss-292	91	15	.	.	PUNCT
esutjss-292	92	1	the	the	DET
esutjss-292	92	2	availability	availability	NOUN
esutjss-292	92	3	of	of	ADP
esutjss-292	92	4	digital	digital	ADJ
esutjss-292	92	5	transactions	transaction	NOUN
esutjss-292	92	6	leaves	leave	VERB
esutjss-292	92	7	audible	audible	ADJ
esutjss-292	92	8	trails	trail	NOUN
esutjss-292	92	9	that	that	PRON
esutjss-292	92	10	minimize	minimize	VERB
esutjss-292	92	11	occurrence	occurrence	NOUN
esutjss-292	92	12	of	of	ADP
esutjss-292	92	13	fraud	fraud	NOUN
esutjss-292	92	14	,	,	PUNCT
esutjss-292	92	15	theft	theft	NOUN
esutjss-292	92	16	,	,	PUNCT
esutjss-292	92	17	and	and	CCONJ
esutjss-292	92	18	errors	error	NOUN
esutjss-292	92	19	in	in	ADP
esutjss-292	92	20	accounting	account	VERB
esutjss-292	92	21	in	in	ADP
esutjss-292	92	22	comparison	comparison	NOUN
esutjss-292	92	23	with	with	ADP
esutjss-292	92	24	cash	cash	NOUN
esutjss-292	92	25	-	-	PUNCT
esutjss-292	92	26	based	base	VERB
esutjss-292	92	27	transactions	transaction	NOUN
esutjss-292	92	28	(	(	PUNCT
esutjss-292	92	29	ozili	ozili	NOUN
esutjss-292	92	30	,	,	PUNCT
esutjss-292	92	31	2020	2020	NUM
esutjss-292	92	32	)	)	PUNCT
esutjss-292	92	33	.	.	PUNCT
esutjss-292	93	1	this	this	DET
esutjss-292	93	2	enhanced	enhance	VERB
esutjss-292	93	3	security	security	NOUN
esutjss-292	93	4	and	and	CCONJ
esutjss-292	93	5	transparency	transparency	NOUN
esutjss-292	93	6	can	can	AUX
esutjss-292	93	7	improve	improve	VERB
esutjss-292	93	8	smes	sme	NOUN
esutjss-292	93	9	'	'	PART
esutjss-292	93	10	relationships	relationship	NOUN
esutjss-292	93	11	with	with	ADP
esutjss-292	93	12	financial	financial	ADJ
esutjss-292	93	13	institutions	institution	NOUN
esutjss-292	93	14	,	,	PUNCT
esutjss-292	93	15	suppliers	supplier	NOUN
esutjss-292	93	16	,	,	PUNCT
esutjss-292	93	17	and	and	CCONJ
esutjss-292	93	18	customers	customer	NOUN
esutjss-292	93	19	,	,	PUNCT
esutjss-292	93	20	while	while	SCONJ
esutjss-292	93	21	supporting	support	VERB
esutjss-292	93	22	compliance	compliance	NOUN
esutjss-292	93	23	with	with	ADP
esutjss-292	93	24	regulatory	regulatory	ADJ
esutjss-292	93	25	requirements	requirement	NOUN
esutjss-292	93	26	and	and	CCONJ
esutjss-292	93	27	tax	tax	NOUN
esutjss-292	93	28	obligations	obligation	NOUN
esutjss-292	93	29	.	.	PUNCT
esutjss-292	94	1	digital	digital	ADJ
esutjss-292	94	2	lending	lending	NOUN
esutjss-292	94	3	platforms	platform	NOUN
esutjss-292	94	4	and	and	CCONJ
esutjss-292	94	5	business	business	NOUN
esutjss-292	94	6	performance	performance	NOUN
esutjss-292	94	7	digital	digital	ADJ
esutjss-292	94	8	lending	lending	NOUN
esutjss-292	94	9	platforms	platform	NOUN
esutjss-292	94	10	are	be	AUX
esutjss-292	94	11	novel	novel	ADJ
esutjss-292	94	12	financial	financial	ADJ
esutjss-292	94	13	services	service	NOUN
esutjss-292	94	14	that	that	PRON
esutjss-292	94	15	are	be	AUX
esutjss-292	94	16	using	use	VERB
esutjss-292	94	17	technology	technology	NOUN
esutjss-292	94	18	to	to	PART
esutjss-292	94	19	offer	offer	VERB
esutjss-292	94	20	credit	credit	NOUN
esutjss-292	94	21	services	service	NOUN
esutjss-292	94	22	more	more	ADV
esutjss-292	94	23	effectively	effectively	ADV
esutjss-292	94	24	and	and	CCONJ
esutjss-292	94	25	with	with	ADP
esutjss-292	94	26	greater	great	ADJ
esutjss-292	94	27	inclusivity	inclusivity	NOUN
esutjss-292	94	28	than	than	ADP
esutjss-292	94	29	the	the	DET
esutjss-292	94	30	traditional	traditional	ADJ
esutjss-292	94	31	bank	bank	NOUN
esutjss-292	94	32	financial	financial	ADJ
esutjss-292	94	33	services	service	NOUN
esutjss-292	94	34	to	to	ADP
esutjss-292	94	35	the	the	DET
esutjss-292	94	36	market	market	NOUN
esutjss-292	94	37	.	.	PUNCT
esutjss-292	95	1	these	these	DET
esutjss-292	95	2	platforms	platform	NOUN
esutjss-292	95	3	leverage	leverage	VERB
esutjss-292	95	4	other	other	ADJ
esutjss-292	95	5	sources	source	NOUN
esutjss-292	95	6	of	of	ADP
esutjss-292	95	7	data	datum	NOUN
esutjss-292	95	8	,	,	PUNCT
esutjss-292	95	9	automated	automate	VERB
esutjss-292	95	10	decisionmaking	decisionmaking	NOUN
esutjss-292	95	11	models	model	NOUN
esutjss-292	95	12	,	,	PUNCT
esutjss-292	95	13	and	and	CCONJ
esutjss-292	95	14	simplified	simplified	ADJ
esutjss-292	95	15	loaning	loaning	NOUN
esutjss-292	95	16	procedures	procedure	NOUN
esutjss-292	95	17	to	to	PART
esutjss-292	95	18	evaluate	evaluate	VERB
esutjss-292	95	19	creditworthiness	creditworthiness	NOUN
esutjss-292	95	20	and	and	CCONJ
esutjss-292	95	21	loan	loan	NOUN
esutjss-292	95	22	to	to	ADP
esutjss-292	95	23	persons	person	NOUN
esutjss-292	95	24	and	and	CCONJ
esutjss-292	95	25	companies	company	NOUN
esutjss-292	95	26	(	(	PUNCT
esutjss-292	95	27	asongu	asongu	VERB
esutjss-292	95	28	and	and	CCONJ
esutjss-292	95	29	odhiambo	odhiambo	ADJ
esutjss-292	95	30	,	,	PUNCT
esutjss-292	95	31	2019	2019	NUM
esutjss-292	95	32	)	)	PUNCT
esutjss-292	95	33	.	.	PUNCT
esutjss-292	96	1	for	for	ADP
esutjss-292	96	2	smes	sme	NOUN
esutjss-292	96	3	,	,	PUNCT
esutjss-292	96	4	digital	digital	ADJ
esutjss-292	96	5	lending	lending	NOUN
esutjss-292	96	6	platforms	platform	NOUN
esutjss-292	96	7	offer	offer	VERB
esutjss-292	96	8	the	the	DET
esutjss-292	96	9	potential	potential	NOUN
esutjss-292	96	10	to	to	PART
esutjss-292	96	11	overcome	overcome	VERB
esutjss-292	96	12	traditional	traditional	ADJ
esutjss-292	96	13	barriers	barrier	NOUN
esutjss-292	96	14	to	to	ADP
esutjss-292	96	15	credit	credit	NOUN
esutjss-292	96	16	access	access	NOUN
esutjss-292	96	17	while	while	SCONJ
esutjss-292	96	18	supporting	support	VERB
esutjss-292	96	19	business	business	NOUN
esutjss-292	96	20	growth	growth	NOUN
esutjss-292	96	21	and	and	CCONJ
esutjss-292	96	22	performance	performance	NOUN
esutjss-292	96	23	improvement	improvement	NOUN
esutjss-292	96	24	.	.	PUNCT
esutjss-292	97	1	the	the	DET
esutjss-292	97	2	connection	connection	NOUN
esutjss-292	97	3	between	between	ADP
esutjss-292	97	4	business	business	NOUN
esutjss-292	97	5	performance	performance	NOUN
esutjss-292	97	6	and	and	CCONJ
esutjss-292	97	7	digital	digital	ADJ
esutjss-292	97	8	lending	lending	NOUN
esutjss-292	97	9	platforms	platform	NOUN
esutjss-292	97	10	works	work	VERB
esutjss-292	97	11	in	in	ADP
esutjss-292	97	12	a	a	DET
esutjss-292	97	13	number	number	NOUN
esutjss-292	97	14	of	of	ADP
esutjss-292	97	15	ways	way	NOUN
esutjss-292	97	16	.	.	PUNCT
esutjss-292	98	1	access	access	NOUN
esutjss-292	98	2	to	to	ADP
esutjss-292	98	3	capital	capital	NOUN
esutjss-292	98	4	is	be	AUX
esutjss-292	98	5	the	the	DET
esutjss-292	98	6	most	most	ADV
esutjss-292	98	7	immediate	immediate	ADJ
esutjss-292	98	8	channel	channel	NOUN
esutjss-292	98	9	,	,	PUNCT
esutjss-292	98	10	since	since	SCONJ
esutjss-292	98	11	the	the	DET
esutjss-292	98	12	businesses	business	NOUN
esutjss-292	98	13	are	be	AUX
esutjss-292	98	14	able	able	ADJ
esutjss-292	98	15	to	to	PART
esutjss-292	98	16	secure	secure	VERB
esutjss-292	98	17	funding	funding	NOUN
esutjss-292	98	18	to	to	PART
esutjss-292	98	19	work	work	NOUN
esutjss-292	98	20	capital	capital	NOUN
esutjss-292	98	21	,	,	PUNCT
esutjss-292	98	22	purchase	purchase	NOUN
esutjss-292	98	23	of	of	ADP
esutjss-292	98	24	equipment	equipment	NOUN
esutjss-292	98	25	,	,	PUNCT
esutjss-292	98	26	purchase	purchase	NOUN
esutjss-292	98	27	of	of	ADP
esutjss-292	98	28	inventory	inventory	NOUN
esutjss-292	98	29	and	and	CCONJ
esutjss-292	98	30	expansion	expansion	NOUN
esutjss-292	98	31	.	.	PUNCT
esutjss-292	99	1	compared	compare	VERB
esutjss-292	99	2	to	to	ADP
esutjss-292	99	3	the	the	DET
esutjss-292	99	4	traditional	traditional	ADJ
esutjss-292	99	5	banks	bank	NOUN
esutjss-292	99	6	where	where	SCONJ
esutjss-292	99	7	a	a	DET
esutjss-292	99	8	291	291	NUM
esutjss-292	99	9	lot	lot	NOUN
esutjss-292	99	10	of	of	ADP
esutjss-292	99	11	paperwork	paperwork	NOUN
esutjss-292	99	12	and	and	CCONJ
esutjss-292	99	13	prolonged	prolonged	ADJ
esutjss-292	99	14	approval	approval	NOUN
esutjss-292	99	15	time	time	NOUN
esutjss-292	99	16	can	can	AUX
esutjss-292	99	17	be	be	AUX
esutjss-292	99	18	involved	involve	VERB
esutjss-292	99	19	,	,	PUNCT
esutjss-292	99	20	digital	digital	ADJ
esutjss-292	99	21	lending	lending	NOUN
esutjss-292	99	22	platforms	platform	NOUN
esutjss-292	99	23	usually	usually	ADV
esutjss-292	99	24	have	have	VERB
esutjss-292	99	25	shorter	short	ADJ
esutjss-292	99	26	approval	approval	NOUN
esutjss-292	99	27	times	time	NOUN
esutjss-292	99	28	and	and	CCONJ
esutjss-292	99	29	more	more	ADV
esutjss-292	99	30	convenient	convenient	ADJ
esutjss-292	99	31	qualification	qualification	NOUN
esutjss-292	99	32	requirements	requirement	NOUN
esutjss-292	99	33	(	(	PUNCT
esutjss-292	99	34	ouma	ouma	PROPN
esutjss-292	99	35	et	et	PROPN
esutjss-292	99	36	al	al	PROPN
esutjss-292	99	37	.	.	PROPN
esutjss-292	99	38	,	,	PUNCT
esutjss-292	99	39	2021	2021	NUM
esutjss-292	99	40	)	)	PUNCT
esutjss-292	99	41	.	.	PUNCT
esutjss-292	100	1	this	this	DET
esutjss-292	100	2	improved	improved	ADJ
esutjss-292	100	3	access	access	NOUN
esutjss-292	100	4	to	to	ADP
esutjss-292	100	5	capital	capital	NOUN
esutjss-292	100	6	enables	enable	VERB
esutjss-292	100	7	smes	sme	NOUN
esutjss-292	100	8	to	to	PART
esutjss-292	100	9	take	take	VERB
esutjss-292	100	10	advantage	advantage	NOUN
esutjss-292	100	11	of	of	ADP
esutjss-292	100	12	business	business	NOUN
esutjss-292	100	13	opportunities	opportunity	NOUN
esutjss-292	100	14	,	,	PUNCT
esutjss-292	100	15	manage	manage	VERB
esutjss-292	100	16	seasonal	seasonal	ADJ
esutjss-292	100	17	fluctuations	fluctuation	NOUN
esutjss-292	100	18	,	,	PUNCT
esutjss-292	100	19	and	and	CCONJ
esutjss-292	100	20	invest	invest	VERB
esutjss-292	100	21	in	in	ADP
esutjss-292	100	22	growth	growth	NOUN
esutjss-292	100	23	initiatives	initiative	NOUN
esutjss-292	100	24	that	that	PRON
esutjss-292	100	25	enhance	enhance	VERB
esutjss-292	100	26	performance	performance	NOUN
esutjss-292	100	27	.	.	PUNCT
esutjss-292	101	1	operational	operational	ADJ
esutjss-292	101	2	flexibility	flexibility	NOUN
esutjss-292	101	3	benefits	benefit	NOUN
esutjss-292	101	4	from	from	ADP
esutjss-292	101	5	digital	digital	ADJ
esutjss-292	101	6	lending	lending	NOUN
esutjss-292	101	7	platforms	platform	NOUN
esutjss-292	101	8	contribute	contribute	VERB
esutjss-292	101	9	to	to	ADP
esutjss-292	101	10	improved	improve	VERB
esutjss-292	101	11	business	business	NOUN
esutjss-292	101	12	performance	performance	NOUN
esutjss-292	101	13	by	by	ADP
esutjss-292	101	14	enabling	enable	VERB
esutjss-292	101	15	smes	sme	NOUN
esutjss-292	101	16	to	to	PART
esutjss-292	101	17	respond	respond	VERB
esutjss-292	101	18	more	more	ADV
esutjss-292	101	19	quickly	quickly	ADV
esutjss-292	101	20	to	to	ADP
esutjss-292	101	21	market	market	NOUN
esutjss-292	101	22	opportunities	opportunity	NOUN
esutjss-292	101	23	and	and	CCONJ
esutjss-292	101	24	challenges	challenge	NOUN
esutjss-292	101	25	.	.	PUNCT
esutjss-292	102	1	conventional	conventional	ADJ
esutjss-292	102	2	lending	lending	NOUN
esutjss-292	102	3	processes	process	NOUN
esutjss-292	102	4	may	may	AUX
esutjss-292	102	5	take	take	VERB
esutjss-292	102	6	weeks	week	NOUN
esutjss-292	102	7	or	or	CCONJ
esutjss-292	102	8	months	month	NOUN
esutjss-292	102	9	therefore	therefore	ADV
esutjss-292	102	10	businesses	business	NOUN
esutjss-292	102	11	may	may	AUX
esutjss-292	102	12	not	not	PART
esutjss-292	102	13	have	have	VERB
esutjss-292	102	14	access	access	NOUN
esutjss-292	102	15	to	to	ADP
esutjss-292	102	16	capital	capital	NOUN
esutjss-292	102	17	when	when	SCONJ
esutjss-292	102	18	time	time	NOUN
esutjss-292	102	19	bound	bind	VERB
esutjss-292	102	20	opportunities	opportunity	NOUN
esutjss-292	102	21	come	come	VERB
esutjss-292	102	22	along	along	ADV
esutjss-292	102	23	.	.	PUNCT
esutjss-292	103	1	the	the	DET
esutjss-292	103	2	decisions	decision	NOUN
esutjss-292	103	3	in	in	ADP
esutjss-292	103	4	terms	term	NOUN
esutjss-292	103	5	of	of	ADP
esutjss-292	103	6	funding	funding	NOUN
esutjss-292	103	7	are	be	AUX
esutjss-292	103	8	frequently	frequently	ADV
esutjss-292	103	9	delivered	deliver	VERB
esutjss-292	103	10	within	within	ADP
esutjss-292	103	11	hours	hour	NOUN
esutjss-292	103	12	or	or	CCONJ
esutjss-292	103	13	days	day	NOUN
esutjss-292	103	14	,	,	PUNCT
esutjss-292	103	15	which	which	PRON
esutjss-292	103	16	allow	allow	VERB
esutjss-292	103	17	smes	sme	NOUN
esutjss-292	103	18	to	to	PART
esutjss-292	103	19	make	make	VERB
esutjss-292	103	20	strategic	strategic	ADJ
esutjss-292	103	21	choices	choice	NOUN
esutjss-292	103	22	,	,	PUNCT
esutjss-292	103	23	expand	expand	VERB
esutjss-292	103	24	into	into	ADP
esutjss-292	103	25	new	new	ADJ
esutjss-292	103	26	markets	market	NOUN
esutjss-292	103	27	,	,	PUNCT
esutjss-292	103	28	or	or	CCONJ
esutjss-292	103	29	react	react	VERB
esutjss-292	103	30	to	to	ADP
esutjss-292	103	31	competition	competition	NOUN
esutjss-292	103	32	in	in	ADP
esutjss-292	103	33	a	a	DET
esutjss-292	103	34	more	more	ADV
esutjss-292	103	35	efficient	efficient	ADJ
esutjss-292	103	36	way	way	NOUN
esutjss-292	103	37	by	by	ADP
esutjss-292	103	38	using	use	VERB
esutjss-292	103	39	digital	digital	ADJ
esutjss-292	103	40	lending	lending	NOUN
esutjss-292	103	41	platforms	platform	NOUN
esutjss-292	103	42	(	(	PUNCT
esutjss-292	103	43	senyo	senyo	ADV
esutjss-292	103	44	and	and	CCONJ
esutjss-292	103	45	osabutey	osabutey	PROPN
esutjss-292	103	46	,	,	PUNCT
esutjss-292	103	47	2020	2020	NUM
esutjss-292	103	48	)	)	PUNCT
esutjss-292	103	49	.	.	PUNCT
esutjss-292	104	1	cost	cost	NOUN
esutjss-292	104	2	efficiency	efficiency	NOUN
esutjss-292	104	3	advantages	advantage	NOUN
esutjss-292	104	4	of	of	ADP
esutjss-292	104	5	digital	digital	ADJ
esutjss-292	104	6	lending	lending	NOUN
esutjss-292	104	7	platforms	platform	NOUN
esutjss-292	104	8	can	can	AUX
esutjss-292	104	9	also	also	ADV
esutjss-292	104	10	impact	impact	VERB
esutjss-292	104	11	business	business	NOUN
esutjss-292	104	12	performance	performance	NOUN
esutjss-292	104	13	positively	positively	ADV
esutjss-292	104	14	.	.	PUNCT
esutjss-292	105	1	conventional	conventional	ADJ
esutjss-292	105	2	lending	lending	NOUN
esutjss-292	105	3	is	be	AUX
esutjss-292	105	4	usually	usually	ADV
esutjss-292	105	5	associated	associate	VERB
esutjss-292	105	6	with	with	ADP
esutjss-292	105	7	high	high	ADJ
esutjss-292	105	8	transaction	transaction	NOUN
esutjss-292	105	9	costs	cost	NOUN
esutjss-292	105	10	such	such	ADJ
esutjss-292	105	11	as	as	ADP
esutjss-292	105	12	application	application	NOUN
esutjss-292	105	13	fees	fee	NOUN
esutjss-292	105	14	,	,	PUNCT
esutjss-292	105	15	transaction	transaction	NOUN
esutjss-292	105	16	fees	fee	NOUN
esutjss-292	105	17	and	and	CCONJ
esutjss-292	105	18	administration	administration	NOUN
esutjss-292	105	19	costs	cost	NOUN
esutjss-292	105	20	.	.	PUNCT
esutjss-292	106	1	these	these	DET
esutjss-292	106	2	processes	process	NOUN
esutjss-292	106	3	are	be	AUX
esutjss-292	106	4	usually	usually	ADV
esutjss-292	106	5	standardized	standardize	VERB
esutjss-292	106	6	and	and	CCONJ
esutjss-292	106	7	made	make	VERB
esutjss-292	106	8	simpler	simple	ADJ
esutjss-292	106	9	through	through	ADP
esutjss-292	106	10	digital	digital	ADJ
esutjss-292	106	11	platforms	platform	NOUN
esutjss-292	106	12	and	and	CCONJ
esutjss-292	106	13	direct	direct	ADJ
esutjss-292	106	14	costs	cost	NOUN
esutjss-292	106	15	and	and	CCONJ
esutjss-292	106	16	opportunity	opportunity	NOUN
esutjss-292	106	17	cost	cost	NOUN
esutjss-292	106	18	also	also	ADV
esutjss-292	106	19	decrease	decrease	VERB
esutjss-292	106	20	with	with	ADP
esutjss-292	106	21	the	the	DET
esutjss-292	106	22	long	long	ADJ
esutjss-292	106	23	application	application	NOUN
esutjss-292	106	24	processes	process	NOUN
esutjss-292	106	25	(	(	PUNCT
esutjss-292	106	26	iman	iman	NOUN
esutjss-292	106	27	,	,	PUNCT
esutjss-292	106	28	2020	2020	NUM
esutjss-292	106	29	)	)	PUNCT
esutjss-292	106	30	.	.	PUNCT
esutjss-292	107	1	the	the	DET
esutjss-292	107	2	reduced	reduce	VERB
esutjss-292	107	3	costs	cost	NOUN
esutjss-292	107	4	of	of	ADP
esutjss-292	107	5	borrowing	borrowing	NOUN
esutjss-292	107	6	funds	fund	NOUN
esutjss-292	107	7	make	make	VERB
esutjss-292	107	8	smes	sme	NOUN
esutjss-292	107	9	able	able	ADJ
esutjss-292	107	10	to	to	PART
esutjss-292	107	11	borrow	borrow	VERB
esutjss-292	107	12	money	money	NOUN
esutjss-292	107	13	at	at	ADP
esutjss-292	107	14	a	a	DET
esutjss-292	107	15	reasonable	reasonable	ADJ
esutjss-292	107	16	cost	cost	NOUN
esutjss-292	107	17	and	and	CCONJ
esutjss-292	107	18	enhance	enhance	VERB
esutjss-292	107	19	their	their	PRON
esutjss-292	107	20	financial	financial	ADJ
esutjss-292	107	21	status	status	NOUN
esutjss-292	107	22	,	,	PUNCT
esutjss-292	107	23	and	and	CCONJ
esutjss-292	107	24	promote	promote	VERB
esutjss-292	107	25	lucrative	lucrative	ADJ
esutjss-292	107	26	growth	growth	NOUN
esutjss-292	107	27	projects	project	NOUN
esutjss-292	107	28	.	.	PUNCT
esutjss-292	108	1	the	the	DET
esutjss-292	108	2	data	datum	NOUN
esutjss-292	108	3	and	and	CCONJ
esutjss-292	108	4	insights	insight	NOUN
esutjss-292	108	5	generated	generate	VERB
esutjss-292	108	6	through	through	ADP
esutjss-292	108	7	digital	digital	ADJ
esutjss-292	108	8	lending	lending	NOUN
esutjss-292	108	9	platforms	platform	NOUN
esutjss-292	108	10	can	can	AUX
esutjss-292	108	11	also	also	ADV
esutjss-292	108	12	contribute	contribute	VERB
esutjss-292	108	13	to	to	ADP
esutjss-292	108	14	improved	improve	VERB
esutjss-292	108	15	business	business	NOUN
esutjss-292	108	16	performance	performance	NOUN
esutjss-292	108	17	.	.	PUNCT
esutjss-292	109	1	on	on	ADP
esutjss-292	109	2	numerous	numerous	ADJ
esutjss-292	109	3	platforms	platform	NOUN
esutjss-292	109	4	,	,	PUNCT
esutjss-292	109	5	borrowers	borrower	NOUN
esutjss-292	109	6	can	can	AUX
esutjss-292	109	7	receive	receive	VERB
esutjss-292	109	8	financial	financial	ADJ
esutjss-292	109	9	analytics	analytic	NOUN
esutjss-292	109	10	,	,	PUNCT
esutjss-292	109	11	benchmark	benchmark	ADJ
esutjss-292	109	12	information	information	NOUN
esutjss-292	109	13	and	and	CCONJ
esutjss-292	109	14	performance	performance	NOUN
esutjss-292	109	15	that	that	PRON
esutjss-292	109	16	may	may	AUX
esutjss-292	109	17	be	be	AUX
esutjss-292	109	18	used	use	VERB
esutjss-292	109	19	to	to	PART
esutjss-292	109	20	inform	inform	VERB
esutjss-292	109	21	strategic	strategic	ADJ
esutjss-292	109	22	decision	decision	NOUN
esutjss-292	109	23	-	-	PUNCT
esutjss-292	109	24	making	making	NOUN
esutjss-292	109	25	.	.	PUNCT
esutjss-292	110	1	this	this	DET
esutjss-292	110	2	additional	additional	ADJ
esutjss-292	110	3	value	value	NOUN
esutjss-292	110	4	beyond	beyond	ADP
esutjss-292	110	5	the	the	DET
esutjss-292	110	6	core	core	NOUN
esutjss-292	110	7	lending	lending	NOUN
esutjss-292	110	8	service	service	NOUN
esutjss-292	110	9	can	can	AUX
esutjss-292	110	10	help	help	VERB
esutjss-292	110	11	smes	sme	NOUN
esutjss-292	110	12	improve	improve	VERB
esutjss-292	110	13	their	their	PRON
esutjss-292	110	14	financial	financial	ADJ
esutjss-292	110	15	management	management	NOUN
esutjss-292	110	16	capabilities	capability	NOUN
esutjss-292	110	17	,	,	PUNCT
esutjss-292	110	18	identify	identify	VERB
esutjss-292	110	19	growth	growth	NOUN
esutjss-292	110	20	opportunities	opportunity	NOUN
esutjss-292	110	21	,	,	PUNCT
esutjss-292	110	22	and	and	CCONJ
esutjss-292	110	23	optimize	optimize	VERB
esutjss-292	110	24	their	their	PRON
esutjss-292	110	25	operations	operation	NOUN
esutjss-292	110	26	for	for	ADP
esutjss-292	110	27	better	well	ADJ
esutjss-292	110	28	performance	performance	NOUN
esutjss-292	110	29	outcomes	outcome	NOUN
esutjss-292	110	30	.	.	PUNCT
esutjss-292	111	1	theoretical	theoretical	ADJ
esutjss-292	111	2	framework	framework	NOUN
esutjss-292	111	3	this	this	DET
esutjss-292	111	4	research	research	NOUN
esutjss-292	111	5	is	be	AUX
esutjss-292	111	6	grounded	ground	VERB
esutjss-292	111	7	on	on	ADP
esutjss-292	111	8	technology	technology	NOUN
esutjss-292	111	9	acceptance	acceptance	NOUN
esutjss-292	111	10	model	model	NOUN
esutjss-292	111	11	(	(	PUNCT
esutjss-292	111	12	tam	tam	PROPN
esutjss-292	111	13	)	)	PUNCT
esutjss-292	111	14	which	which	PRON
esutjss-292	111	15	was	be	AUX
esutjss-292	111	16	initially	initially	ADV
esutjss-292	111	17	created	create	VERB
esutjss-292	111	18	by	by	ADP
esutjss-292	111	19	davis	davis	PROPN
esutjss-292	111	20	(	(	PUNCT
esutjss-292	111	21	1989	1989	NUM
esutjss-292	111	22	)	)	PUNCT
esutjss-292	111	23	and	and	CCONJ
esutjss-292	111	24	later	later	ADV
esutjss-292	111	25	improved	improve	VERB
esutjss-292	111	26	by	by	ADP
esutjss-292	111	27	other	other	ADJ
esutjss-292	111	28	scholars	scholar	NOUN
esutjss-292	111	29	.	.	PUNCT
esutjss-292	112	1	tam	tam	PROPN
esutjss-292	112	2	is	be	AUX
esutjss-292	112	3	a	a	DET
esutjss-292	112	4	theory	theory	NOUN
esutjss-292	112	5	of	of	ADP
esutjss-292	112	6	how	how	SCONJ
esutjss-292	112	7	users	user	NOUN
esutjss-292	112	8	adopt	adopt	VERB
esutjss-292	112	9	technology	technology	NOUN
esutjss-292	112	10	and	and	CCONJ
esutjss-292	112	11	accept	accept	VERB
esutjss-292	112	12	it	it	PRON
esutjss-292	112	13	,	,	PUNCT
esutjss-292	112	14	and	and	CCONJ
esutjss-292	112	15	that	that	PRON
esutjss-292	112	16	is	be	AUX
esutjss-292	112	17	why	why	SCONJ
esutjss-292	112	18	it	it	PRON
esutjss-292	112	19	can	can	AUX
esutjss-292	112	20	be	be	AUX
esutjss-292	112	21	applied	apply	VERB
esutjss-292	112	22	to	to	PART
esutjss-292	112	23	investigate	investigate	VERB
esutjss-292	112	24	the	the	DET
esutjss-292	112	25	adoption	adoption	NOUN
esutjss-292	112	26	of	of	ADP
esutjss-292	112	27	fintech	fintech	NOUN
esutjss-292	112	28	among	among	ADP
esutjss-292	112	29	smes	sme	NOUN
esutjss-292	112	30	.	.	PUNCT
esutjss-292	113	1	technology	technology	NOUN
esutjss-292	113	2	acceptance	acceptance	NOUN
esutjss-292	113	3	model	model	NOUN
esutjss-292	113	4	assumes	assume	VERB
esutjss-292	113	5	that	that	SCONJ
esutjss-292	113	6	there	there	PRON
esutjss-292	113	7	are	be	VERB
esutjss-292	113	8	two	two	NUM
esutjss-292	113	9	major	major	ADJ
esutjss-292	113	10	beliefs	belief	NOUN
esutjss-292	113	11	,	,	PUNCT
esutjss-292	113	12	perceived	perceive	VERB
esutjss-292	113	13	usefulness	usefulness	NOUN
esutjss-292	113	14	and	and	CCONJ
esutjss-292	113	15	perceived	perceive	VERB
esutjss-292	113	16	ease	ease	NOUN
esutjss-292	113	17	of	of	ADP
esutjss-292	113	18	use	use	NOUN
esutjss-292	113	19	,	,	PUNCT
esutjss-292	113	20	which	which	PRON
esutjss-292	113	21	form	form	VERB
esutjss-292	113	22	the	the	DET
esutjss-292	113	23	core	core	ADJ
esutjss-292	113	24	determinants	determinant	NOUN
esutjss-292	113	25	of	of	ADP
esutjss-292	113	26	technology	technology	NOUN
esutjss-292	113	27	adoption	adoption	NOUN
esutjss-292	113	28	.	.	PUNCT
esutjss-292	114	1	perceived	perceive	VERB
esutjss-292	114	2	usefulness	usefulness	NOUN
esutjss-292	114	3	is	be	AUX
esutjss-292	114	4	the	the	DET
esutjss-292	114	5	level	level	NOUN
esutjss-292	114	6	at	at	ADP
esutjss-292	114	7	which	which	PRON
esutjss-292	114	8	an	an	DET
esutjss-292	114	9	individual	individual	NOUN
esutjss-292	114	10	believes	believe	VERB
esutjss-292	114	11	that	that	SCONJ
esutjss-292	114	12	the	the	DET
esutjss-292	114	13	use	use	NOUN
esutjss-292	114	14	of	of	ADP
esutjss-292	114	15	a	a	DET
esutjss-292	114	16	given	give	VERB
esutjss-292	114	17	technology	technology	NOUN
esutjss-292	114	18	will	will	AUX
esutjss-292	114	19	make	make	VERB
esutjss-292	114	20	him	he	PRON
esutjss-292	114	21	or	or	CCONJ
esutjss-292	114	22	her	her	PRON
esutjss-292	114	23	better	well	ADJ
esutjss-292	114	24	perform	perform	NOUN
esutjss-292	114	25	or	or	CCONJ
esutjss-292	114	26	more	more	ADV
esutjss-292	114	27	productive	productive	ADJ
esutjss-292	114	28	at	at	ADP
esutjss-292	114	29	work	work	NOUN
esutjss-292	114	30	.	.	PUNCT
esutjss-292	115	1	perceived	perceive	VERB
esutjss-292	115	2	ease	ease	NOUN
esutjss-292	115	3	of	of	ADP
esutjss-292	115	4	use	use	NOUN
esutjss-292	115	5	is	be	AUX
esutjss-292	115	6	the	the	DET
esutjss-292	115	7	level	level	NOUN
esutjss-292	115	8	upon	upon	SCONJ
esutjss-292	115	9	which	which	PRON
esutjss-292	115	10	a	a	DET
esutjss-292	115	11	person	person	NOUN
esutjss-292	115	12	is	be	AUX
esutjss-292	115	13	convinced	convince	VERB
esutjss-292	115	14	that	that	SCONJ
esutjss-292	115	15	he	he	PRON
esutjss-292	115	16	will	will	AUX
esutjss-292	115	17	not	not	PART
esutjss-292	115	18	experience	experience	VERB
esutjss-292	115	19	any	any	DET
esutjss-292	115	20	effort	effort	NOUN
esutjss-292	115	21	in	in	ADP
esutjss-292	115	22	using	use	VERB
esutjss-292	115	23	the	the	DET
esutjss-292	115	24	technology	technology	NOUN
esutjss-292	115	25	.	.	PUNCT
esutjss-292	116	1	according	accord	VERB
esutjss-292	116	2	to	to	ADP
esutjss-292	116	3	tam	tam	PROPN
esutjss-292	116	4	,	,	PUNCT
esutjss-292	116	5	these	these	DET
esutjss-292	116	6	beliefs	belief	NOUN
esutjss-292	116	7	influence	influence	VERB
esutjss-292	116	8	attitudes	attitude	NOUN
esutjss-292	116	9	toward	toward	ADP
esutjss-292	116	10	technology	technology	NOUN
esutjss-292	116	11	use	use	NOUN
esutjss-292	116	12	,	,	PUNCT
esutjss-292	116	13	which	which	PRON
esutjss-292	116	14	in	in	ADP
esutjss-292	116	15	turn	turn	NOUN
esutjss-292	116	16	affect	affect	VERB
esutjss-292	116	17	behavioral	behavioral	ADJ
esutjss-292	116	18	intentions	intention	NOUN
esutjss-292	116	19	and	and	CCONJ
esutjss-292	116	20	actual	actual	ADJ
esutjss-292	116	21	usage	usage	NOUN
esutjss-292	116	22	behavior.in	behavior.in	PRON
esutjss-292	116	23	the	the	DET
esutjss-292	116	24	context	context	NOUN
esutjss-292	116	25	of	of	ADP
esutjss-292	116	26	this	this	DET
esutjss-292	116	27	study	study	NOUN
esutjss-292	116	28	,	,	PUNCT
esutjss-292	116	29	tam	tam	PROPN
esutjss-292	116	30	provides	provide	VERB
esutjss-292	116	31	a	a	DET
esutjss-292	116	32	framework	framework	NOUN
esutjss-292	116	33	for	for	ADP
esutjss-292	116	34	understanding	understand	VERB
esutjss-292	116	35	why	why	SCONJ
esutjss-292	116	36	smes	sme	NOUN
esutjss-292	116	37	in	in	ADP
esutjss-292	116	38	ilorin	ilorin	PROPN
esutjss-292	116	39	choose	choose	VERB
esutjss-292	116	40	to	to	PART
esutjss-292	116	41	adopt	adopt	VERB
esutjss-292	116	42	or	or	CCONJ
esutjss-292	116	43	reject	reject	VERB
esutjss-292	116	44	fintech	fintech	NOUN
esutjss-292	116	45	solutions	solution	NOUN
esutjss-292	116	46	.	.	PUNCT
esutjss-292	117	1	smes	sme	NOUN
esutjss-292	117	2	are	be	AUX
esutjss-292	117	3	likely	likely	ADJ
esutjss-292	117	4	to	to	PART
esutjss-292	117	5	adopt	adopt	VERB
esutjss-292	117	6	mobile	mobile	ADJ
esutjss-292	117	7	payment	payment	NOUN
esutjss-292	117	8	systems	system	NOUN
esutjss-292	117	9	and	and	CCONJ
esutjss-292	117	10	digital	digital	ADJ
esutjss-292	117	11	lending	lending	NOUN
esutjss-292	117	12	platforms	platform	NOUN
esutjss-292	117	13	if	if	SCONJ
esutjss-292	117	14	they	they	PRON
esutjss-292	117	15	perceive	perceive	VERB
esutjss-292	117	16	these	these	DET
esutjss-292	117	17	technologies	technology	NOUN
esutjss-292	117	18	as	as	ADP
esutjss-292	117	19	useful	useful	ADJ
esutjss-292	117	20	for	for	ADP
esutjss-292	117	21	improving	improve	VERB
esutjss-292	117	22	their	their	PRON
esutjss-292	117	23	financial	financial	ADJ
esutjss-292	117	24	management	management	NOUN
esutjss-292	117	25	and	and	CCONJ
esutjss-292	117	26	business	business	NOUN
esutjss-292	117	27	performance	performance	NOUN
esutjss-292	117	28	,	,	PUNCT
esutjss-292	117	29	and	and	CCONJ
esutjss-292	117	30	if	if	SCONJ
esutjss-292	117	31	they	they	PRON
esutjss-292	117	32	perceive	perceive	VERB
esutjss-292	117	33	them	they	PRON
esutjss-292	117	34	as	as	ADV
esutjss-292	117	35	easy	easy	ADJ
esutjss-292	117	36	to	to	PART
esutjss-292	117	37	use	use	VERB
esutjss-292	117	38	and	and	CCONJ
esutjss-292	117	39	integrate	integrate	VERB
esutjss-292	117	40	into	into	ADP
esutjss-292	117	41	their	their	PRON
esutjss-292	117	42	existing	exist	VERB
esutjss-292	117	43	operations	operation	NOUN
esutjss-292	117	44	.	.	PUNCT
esutjss-292	118	1	according	accord	VERB
esutjss-292	118	2	to	to	ADP
esutjss-292	118	3	the	the	DET
esutjss-292	118	4	model	model	NOUN
esutjss-292	118	5	,	,	PUNCT
esutjss-292	118	6	the	the	DET
esutjss-292	118	7	factors	factor	NOUN
esutjss-292	118	8	of	of	ADP
esutjss-292	118	9	functional	functional	ADJ
esutjss-292	118	10	benefits	benefit	NOUN
esutjss-292	118	11	(	(	PUNCT
esutjss-292	118	12	usefulness	usefulness	NOUN
esutjss-292	118	13	)	)	PUNCT
esutjss-292	118	14	and	and	CCONJ
esutjss-292	118	15	the	the	DET
esutjss-292	118	16	usability	usability	NOUN
esutjss-292	118	17	factors	factor	NOUN
esutjss-292	118	18	(	(	PUNCT
esutjss-292	118	19	ease	ease	NOUN
esutjss-292	118	20	of	of	ADP
esutjss-292	118	21	use	use	NOUN
esutjss-292	118	22	)	)	PUNCT
esutjss-292	118	23	should	should	AUX
esutjss-292	118	24	also	also	ADV
esutjss-292	118	25	be	be	AUX
esutjss-292	118	26	taken	take	VERB
esutjss-292	118	27	into	into	ADP
esutjss-292	118	28	consideration	consideration	NOUN
esutjss-292	118	29	when	when	SCONJ
esutjss-292	118	30	exploring	explore	VERB
esutjss-292	118	31	the	the	DET
esutjss-292	118	32	patterns	pattern	NOUN
esutjss-292	118	33	of	of	ADP
esutjss-292	118	34	fintech	fintech	NOUN
esutjss-292	118	35	adoption	adoption	NOUN
esutjss-292	118	36	.	.	PUNCT
esutjss-292	119	1	the	the	DET
esutjss-292	119	2	long	long	ADJ
esutjss-292	119	3	form	form	NOUN
esutjss-292	119	4	of	of	ADP
esutjss-292	119	5	tam	tam	NOUN
esutjss-292	119	6	adds	add	VERB
esutjss-292	119	7	more	more	ADJ
esutjss-292	119	8	variables	variable	NOUN
esutjss-292	119	9	which	which	PRON
esutjss-292	119	10	can	can	AUX
esutjss-292	119	11	affect	affect	VERB
esutjss-292	119	12	the	the	DET
esutjss-292	119	13	adoption	adoption	NOUN
esutjss-292	119	14	of	of	ADP
esutjss-292	119	15	technology	technology	NOUN
esutjss-292	119	16	and	and	CCONJ
esutjss-292	119	17	include	include	VERB
esutjss-292	119	18	the	the	DET
esutjss-292	119	19	social	social	ADJ
esutjss-292	119	20	factors	factor	NOUN
esutjss-292	119	21	,	,	PUNCT
esutjss-292	119	22	enabling	enable	VERB
esutjss-292	119	23	conditions	condition	NOUN
esutjss-292	119	24	,	,	PUNCT
esutjss-292	119	25	and	and	CCONJ
esutjss-292	119	26	personal	personal	ADJ
esutjss-292	119	27	attributes	attribute	NOUN
esutjss-292	119	28	.	.	PUNCT
esutjss-292	120	1	the	the	DET
esutjss-292	120	2	extensions	extension	NOUN
esutjss-292	120	3	are	be	AUX
esutjss-292	120	4	especially	especially	ADV
esutjss-292	120	5	applicable	applicable	ADJ
esutjss-292	120	6	in	in	ADP
esutjss-292	120	7	the	the	DET
esutjss-292	120	8	context	context	NOUN
esutjss-292	120	9	of	of	ADP
esutjss-292	120	10	fintech	fintech	NOUN
esutjss-292	120	11	adoption	adoption	NOUN
esutjss-292	120	12	in	in	ADP
esutjss-292	120	13	developing	develop	VERB
esutjss-292	120	14	countries	country	NOUN
esutjss-292	120	15	analysis	analysis	NOUN
esutjss-292	120	16	,	,	PUNCT
esutjss-292	120	17	where	where	SCONJ
esutjss-292	120	18	inadequate	inadequate	ADJ
esutjss-292	120	19	infrastructure	infrastructure	NOUN
esutjss-292	120	20	,	,	PUNCT
esutjss-292	120	21	the	the	DET
esutjss-292	120	22	regulatory	regulatory	ADJ
esutjss-292	120	23	environment	environment	NOUN
esutjss-292	120	24	,	,	PUNCT
esutjss-292	120	25	and	and	CCONJ
esutjss-292	120	26	cultural	cultural	ADJ
esutjss-292	120	27	attitudes	attitude	NOUN
esutjss-292	120	28	towards	towards	ADP
esutjss-292	120	29	technology	technology	NOUN
esutjss-292	120	30	could	could	AUX
esutjss-292	120	31	play	play	VERB
esutjss-292	120	32	a	a	DET
esutjss-292	120	33	major	major	ADJ
esutjss-292	120	34	role	role	NOUN
esutjss-292	120	35	in	in	ADP
esutjss-292	120	36	the	the	DET
esutjss-292	120	37	adoption	adoption	NOUN
esutjss-292	120	38	determination	determination	NOUN
esutjss-292	120	39	..	..	PUNCT
esutjss-292	120	40	292	292	NUM
esutjss-292	120	41	methodology	methodology	NOUN
esutjss-292	120	42	the	the	DET
esutjss-292	120	43	study	study	NOUN
esutjss-292	120	44	was	be	AUX
esutjss-292	120	45	conducted	conduct	VERB
esutjss-292	120	46	in	in	ADP
esutjss-292	120	47	ilorin	ilorin	NOUN
esutjss-292	120	48	,	,	PUNCT
esutjss-292	120	49	the	the	DET
esutjss-292	120	50	capital	capital	NOUN
esutjss-292	120	51	city	city	NOUN
esutjss-292	120	52	of	of	ADP
esutjss-292	120	53	kwara	kwara	PROPN
esutjss-292	120	54	state	state	PROPN
esutjss-292	120	55	,	,	PUNCT
esutjss-292	120	56	located	locate	VERB
esutjss-292	120	57	in	in	ADP
esutjss-292	120	58	the	the	DET
esutjss-292	120	59	northcentral	northcentral	ADJ
esutjss-292	120	60	geopolitical	geopolitical	ADJ
esutjss-292	120	61	zone	zone	NOUN
esutjss-292	120	62	of	of	ADP
esutjss-292	120	63	nigeria	nigeria	PROPN
esutjss-292	120	64	.	.	PUNCT
esutjss-292	121	1	ilorin	ilorin	PROPN
esutjss-292	121	2	serves	serve	VERB
esutjss-292	121	3	as	as	ADP
esutjss-292	121	4	a	a	DET
esutjss-292	121	5	major	major	ADJ
esutjss-292	121	6	commercial	commercial	ADJ
esutjss-292	121	7	and	and	CCONJ
esutjss-292	121	8	administrative	administrative	ADJ
esutjss-292	121	9	center	center	NOUN
esutjss-292	121	10	,	,	PUNCT
esutjss-292	121	11	with	with	ADP
esutjss-292	121	12	an	an	DET
esutjss-292	121	13	estimated	estimate	VERB
esutjss-292	121	14	population	population	NOUN
esutjss-292	121	15	of	of	ADP
esutjss-292	121	16	over	over	ADP
esutjss-292	121	17	1.5	1.5	NUM
esutjss-292	121	18	million	million	NUM
esutjss-292	121	19	people	people	NOUN
esutjss-292	121	20	(	(	PUNCT
esutjss-292	121	21	national	national	ADJ
esutjss-292	121	22	population	population	NOUN
esutjss-292	121	23	commission	commission	PROPN
esutjss-292	121	24	,	,	PUNCT
esutjss-292	121	25	2021	2021	NUM
esutjss-292	121	26	)	)	PUNCT
esutjss-292	121	27	.	.	PUNCT
esutjss-292	122	1	the	the	DET
esutjss-292	122	2	city	city	NOUN
esutjss-292	122	3	's	's	PART
esutjss-292	122	4	diverse	diverse	ADJ
esutjss-292	122	5	economy	economy	NOUN
esutjss-292	122	6	includes	include	VERB
esutjss-292	122	7	trade	trade	NOUN
esutjss-292	122	8	,	,	PUNCT
esutjss-292	122	9	agriculture	agriculture	NOUN
esutjss-292	122	10	,	,	PUNCT
esutjss-292	122	11	manufacturing	manufacturing	NOUN
esutjss-292	122	12	,	,	PUNCT
esutjss-292	122	13	services	service	NOUN
esutjss-292	122	14	,	,	PUNCT
esutjss-292	122	15	and	and	CCONJ
esutjss-292	122	16	government	government	NOUN
esutjss-292	122	17	activities	activity	NOUN
esutjss-292	122	18	,	,	PUNCT
esutjss-292	122	19	making	make	VERB
esutjss-292	122	20	it	it	PRON
esutjss-292	122	21	home	home	ADV
esutjss-292	122	22	to	to	ADP
esutjss-292	122	23	numerous	numerous	ADJ
esutjss-292	122	24	smes	sme	NOUN
esutjss-292	122	25	across	across	ADP
esutjss-292	122	26	various	various	ADJ
esutjss-292	122	27	sectors	sector	NOUN
esutjss-292	122	28	.	.	PUNCT
esutjss-292	123	1	the	the	DET
esutjss-292	123	2	strategic	strategic	ADJ
esutjss-292	123	3	location	location	NOUN
esutjss-292	123	4	of	of	ADP
esutjss-292	123	5	ilorin	ilorin	NOUN
esutjss-292	123	6	as	as	ADP
esutjss-292	123	7	a	a	DET
esutjss-292	123	8	link	link	NOUN
esutjss-292	123	9	between	between	ADP
esutjss-292	123	10	northern	northern	ADJ
esutjss-292	123	11	and	and	CCONJ
esutjss-292	123	12	southern	southern	PROPN
esutjss-292	123	13	nigeria	nigeria	PROPN
esutjss-292	123	14	,	,	PUNCT
esutjss-292	123	15	combined	combine	VERB
esutjss-292	123	16	with	with	ADP
esutjss-292	123	17	its	its	PRON
esutjss-292	123	18	educational	educational	ADJ
esutjss-292	123	19	institutions	institution	NOUN
esutjss-292	123	20	and	and	CCONJ
esutjss-292	123	21	improving	improve	VERB
esutjss-292	123	22	technological	technological	ADJ
esutjss-292	123	23	infrastructure	infrastructure	NOUN
esutjss-292	123	24	,	,	PUNCT
esutjss-292	123	25	provides	provide	VERB
esutjss-292	123	26	a	a	DET
esutjss-292	123	27	representative	representative	ADJ
esutjss-292	123	28	setting	setting	NOUN
esutjss-292	123	29	for	for	ADP
esutjss-292	123	30	studying	study	VERB
esutjss-292	123	31	fintech	fintech	NOUN
esutjss-292	123	32	adoption	adoption	NOUN
esutjss-292	123	33	among	among	ADP
esutjss-292	123	34	smes	sme	NOUN
esutjss-292	123	35	.	.	PUNCT
esutjss-292	124	1	a	a	DET
esutjss-292	124	2	descriptive	descriptive	ADJ
esutjss-292	124	3	survey	survey	NOUN
esutjss-292	124	4	design	design	NOUN
esutjss-292	124	5	was	be	AUX
esutjss-292	124	6	adopted	adopt	VERB
esutjss-292	124	7	for	for	ADP
esutjss-292	124	8	this	this	DET
esutjss-292	124	9	study	study	NOUN
esutjss-292	124	10	,	,	PUNCT
esutjss-292	124	11	utilizing	utilize	VERB
esutjss-292	124	12	a	a	DET
esutjss-292	124	13	cross	cross	ADJ
esutjss-292	124	14	-	-	ADJ
esutjss-292	124	15	sectional	sectional	ADJ
esutjss-292	124	16	approach	approach	NOUN
esutjss-292	124	17	to	to	PART
esutjss-292	124	18	collect	collect	VERB
esutjss-292	124	19	data	datum	NOUN
esutjss-292	124	20	from	from	ADP
esutjss-292	124	21	sme	sme	NOUN
esutjss-292	124	22	owners	owner	NOUN
esutjss-292	124	23	and	and	CCONJ
esutjss-292	124	24	managers	manager	NOUN
esutjss-292	124	25	at	at	ADP
esutjss-292	124	26	a	a	DET
esutjss-292	124	27	single	single	ADJ
esutjss-292	124	28	point	point	NOUN
esutjss-292	124	29	in	in	ADP
esutjss-292	124	30	time	time	NOUN
esutjss-292	124	31	.	.	PUNCT
esutjss-292	125	1	this	this	DET
esutjss-292	125	2	design	design	NOUN
esutjss-292	125	3	is	be	AUX
esutjss-292	125	4	appropriate	appropriate	ADJ
esutjss-292	125	5	for	for	ADP
esutjss-292	125	6	examining	examine	VERB
esutjss-292	125	7	the	the	DET
esutjss-292	125	8	current	current	ADJ
esutjss-292	125	9	state	state	NOUN
esutjss-292	125	10	of	of	ADP
esutjss-292	125	11	fintech	fintech	NOUN
esutjss-292	125	12	adoption	adoption	NOUN
esutjss-292	125	13	and	and	CCONJ
esutjss-292	125	14	its	its	PRON
esutjss-292	125	15	impacts	impact	NOUN
esutjss-292	125	16	on	on	ADP
esutjss-292	125	17	financial	financial	ADJ
esutjss-292	125	18	management	management	NOUN
esutjss-292	125	19	and	and	CCONJ
esutjss-292	125	20	business	business	NOUN
esutjss-292	125	21	performance	performance	NOUN
esutjss-292	125	22	,	,	PUNCT
esutjss-292	125	23	allowing	allow	VERB
esutjss-292	125	24	for	for	ADP
esutjss-292	125	25	the	the	DET
esutjss-292	125	26	collection	collection	NOUN
esutjss-292	125	27	of	of	ADP
esutjss-292	125	28	standardized	standardized	ADJ
esutjss-292	125	29	information	information	NOUN
esutjss-292	125	30	from	from	ADP
esutjss-292	125	31	a	a	DET
esutjss-292	125	32	large	large	ADJ
esutjss-292	125	33	number	number	NOUN
esutjss-292	125	34	of	of	ADP
esutjss-292	125	35	respondents	respondent	NOUN
esutjss-292	125	36	(	(	PUNCT
esutjss-292	125	37	saunders	saunder	NOUN
esutjss-292	125	38	et	et	PROPN
esutjss-292	125	39	al	al	PROPN
esutjss-292	125	40	.	.	PROPN
esutjss-292	125	41	,	,	PUNCT
esutjss-292	125	42	2019	2019	NUM
esutjss-292	125	43	)	)	PUNCT
esutjss-292	125	44	.	.	PUNCT
esutjss-292	126	1	the	the	DET
esutjss-292	126	2	target	target	NOUN
esutjss-292	126	3	population	population	NOUN
esutjss-292	126	4	consisted	consist	VERB
esutjss-292	126	5	of	of	ADP
esutjss-292	126	6	smes	sme	NOUN
esutjss-292	126	7	operating	operate	VERB
esutjss-292	126	8	in	in	ADP
esutjss-292	126	9	ilorin	ilorin	PROPN
esutjss-292	126	10	metropolis	metropolis	NOUN
esutjss-292	126	11	across	across	ADP
esutjss-292	126	12	various	various	ADJ
esutjss-292	126	13	sectors	sector	NOUN
esutjss-292	126	14	including	include	VERB
esutjss-292	126	15	retail	retail	ADJ
esutjss-292	126	16	trade	trade	NOUN
esutjss-292	126	17	,	,	PUNCT
esutjss-292	126	18	manufacturing	manufacturing	NOUN
esutjss-292	126	19	,	,	PUNCT
esutjss-292	126	20	services	service	NOUN
esutjss-292	126	21	,	,	PUNCT
esutjss-292	126	22	agriculture	agriculture	NOUN
esutjss-292	126	23	,	,	PUNCT
esutjss-292	126	24	and	and	CCONJ
esutjss-292	126	25	technology	technology	NOUN
esutjss-292	126	26	.	.	PUNCT
esutjss-292	127	1	based	base	VERB
esutjss-292	127	2	on	on	ADP
esutjss-292	127	3	data	datum	NOUN
esutjss-292	127	4	from	from	ADP
esutjss-292	127	5	the	the	DET
esutjss-292	127	6	kwara	kwara	PROPN
esutjss-292	127	7	state	state	PROPN
esutjss-292	127	8	ministry	ministry	PROPN
esutjss-292	127	9	of	of	ADP
esutjss-292	127	10	commerce	commerce	PROPN
esutjss-292	127	11	and	and	CCONJ
esutjss-292	127	12	industry	industry	NOUN
esutjss-292	127	13	and	and	CCONJ
esutjss-292	127	14	the	the	DET
esutjss-292	127	15	small	small	ADJ
esutjss-292	127	16	and	and	CCONJ
esutjss-292	127	17	medium	medium	ADJ
esutjss-292	127	18	enterprises	enterprise	NOUN
esutjss-292	127	19	development	development	NOUN
esutjss-292	127	20	agency	agency	PROPN
esutjss-292	127	21	of	of	ADP
esutjss-292	127	22	nigeria	nigeria	PROPN
esutjss-292	127	23	(	(	PUNCT
esutjss-292	127	24	smedan	smedan	PROPN
esutjss-292	127	25	)	)	PUNCT
esutjss-292	127	26	,	,	PUNCT
esutjss-292	127	27	the	the	DET
esutjss-292	127	28	estimated	estimate	VERB
esutjss-292	127	29	population	population	NOUN
esutjss-292	127	30	of	of	ADP
esutjss-292	127	31	registered	register	VERB
esutjss-292	127	32	smes	sme	NOUN
esutjss-292	127	33	in	in	ADP
esutjss-292	127	34	ilorin	ilorin	PROPN
esutjss-292	127	35	is	be	AUX
esutjss-292	127	36	approximately	approximately	ADV
esutjss-292	127	37	8,450	8,450	NUM
esutjss-292	127	38	enterprises	enterprise	NOUN
esutjss-292	127	39	(	(	PUNCT
esutjss-292	127	40	smedan	smedan	ADJ
esutjss-292	127	41	,	,	PUNCT
esutjss-292	127	42	2022	2022	NUM
esutjss-292	127	43	)	)	PUNCT
esutjss-292	127	44	.	.	PUNCT
esutjss-292	128	1	this	this	DET
esutjss-292	128	2	population	population	NOUN
esutjss-292	128	3	was	be	AUX
esutjss-292	128	4	considered	consider	VERB
esutjss-292	128	5	appropriate	appropriate	ADJ
esutjss-292	128	6	for	for	ADP
esutjss-292	128	7	the	the	DET
esutjss-292	128	8	study	study	NOUN
esutjss-292	128	9	as	as	SCONJ
esutjss-292	128	10	it	it	PRON
esutjss-292	128	11	represents	represent	VERB
esutjss-292	128	12	businesses	business	NOUN
esutjss-292	128	13	that	that	PRON
esutjss-292	128	14	could	could	AUX
esutjss-292	128	15	potentially	potentially	ADV
esutjss-292	128	16	benefit	benefit	VERB
esutjss-292	128	17	from	from	ADP
esutjss-292	128	18	fintech	fintech	NOUN
esutjss-292	128	19	solutions	solution	NOUN
esutjss-292	128	20	and	and	CCONJ
esutjss-292	128	21	have	have	VERB
esutjss-292	128	22	the	the	DET
esutjss-292	128	23	capacity	capacity	NOUN
esutjss-292	128	24	to	to	PART
esutjss-292	128	25	adopt	adopt	VERB
esutjss-292	128	26	such	such	ADJ
esutjss-292	128	27	technologies	technology	NOUN
esutjss-292	128	28	.	.	PUNCT
esutjss-292	129	1	purposive	purposive	ADJ
esutjss-292	129	2	sampling	sampling	NOUN
esutjss-292	129	3	technique	technique	NOUN
esutjss-292	129	4	was	be	AUX
esutjss-292	129	5	employed	employ	VERB
esutjss-292	129	6	to	to	PART
esutjss-292	129	7	select	select	VERB
esutjss-292	129	8	smes	sme	NOUN
esutjss-292	129	9	that	that	PRON
esutjss-292	129	10	met	meet	VERB
esutjss-292	129	11	specific	specific	ADJ
esutjss-292	129	12	criteria	criterion	NOUN
esutjss-292	129	13	for	for	ADP
esutjss-292	129	14	inclusion	inclusion	NOUN
esutjss-292	129	15	in	in	ADP
esutjss-292	129	16	the	the	DET
esutjss-292	129	17	study	study	NOUN
esutjss-292	129	18	.	.	PUNCT
esutjss-292	130	1	the	the	DET
esutjss-292	130	2	selection	selection	NOUN
esutjss-292	130	3	criteria	criterion	NOUN
esutjss-292	130	4	included	include	VERB
esutjss-292	130	5	:	:	PUNCT
esutjss-292	130	6	(	(	PUNCT
esutjss-292	130	7	1	1	X
esutjss-292	130	8	)	)	PUNCT
esutjss-292	130	9	businesses	business	NOUN
esutjss-292	130	10	operating	operate	VERB
esutjss-292	130	11	for	for	ADP
esutjss-292	130	12	at	at	ADV
esutjss-292	130	13	least	least	ADV
esutjss-292	130	14	two	two	NUM
esutjss-292	130	15	years	year	NOUN
esutjss-292	130	16	to	to	PART
esutjss-292	130	17	ensure	ensure	VERB
esutjss-292	130	18	adequate	adequate	ADJ
esutjss-292	130	19	experience	experience	NOUN
esutjss-292	130	20	with	with	ADP
esutjss-292	130	21	financial	financial	ADJ
esutjss-292	130	22	management	management	NOUN
esutjss-292	130	23	challenges	challenge	NOUN
esutjss-292	130	24	;	;	PUNCT
esutjss-292	130	25	(	(	PUNCT
esutjss-292	130	26	2	2	X
esutjss-292	130	27	)	)	PUNCT
esutjss-292	130	28	enterprises	enterprise	NOUN
esutjss-292	130	29	with	with	ADP
esutjss-292	130	30	annual	annual	ADJ
esutjss-292	130	31	turnover	turnover	NOUN
esutjss-292	130	32	between	between	ADP
esutjss-292	130	33	₦	₦	ADV
esutjss-292	130	34	5	5	NUM
esutjss-292	130	35	million	million	NUM
esutjss-292	130	36	and	and	CCONJ
esutjss-292	130	37	₦	₦	ADP
esutjss-292	130	38	500	500	NUM
esutjss-292	130	39	million	million	NUM
esutjss-292	130	40	,	,	PUNCT
esutjss-292	130	41	consistent	consistent	ADJ
esutjss-292	130	42	with	with	ADP
esutjss-292	130	43	standard	standard	ADJ
esutjss-292	130	44	sme	sme	ADJ
esutjss-292	130	45	definitions	definition	NOUN
esutjss-292	130	46	in	in	ADP
esutjss-292	130	47	nigeria	nigeria	PROPN
esutjss-292	130	48	;	;	PUNCT
esutjss-292	130	49	(	(	PUNCT
esutjss-292	130	50	3	3	X
esutjss-292	130	51	)	)	PUNCT
esutjss-292	130	52	businesses	business	NOUN
esutjss-292	130	53	with	with	ADP
esutjss-292	130	54	access	access	NOUN
esutjss-292	130	55	to	to	ADP
esutjss-292	130	56	mobile	mobile	ADJ
esutjss-292	130	57	phones	phone	NOUN
esutjss-292	130	58	and/or	and/or	CCONJ
esutjss-292	130	59	internet	internet	NOUN
esutjss-292	130	60	connectivity	connectivity	NOUN
esutjss-292	130	61	;	;	PUNCT
esutjss-292	130	62	and	and	CCONJ
esutjss-292	130	63	(	(	PUNCT
esutjss-292	130	64	4	4	X
esutjss-292	130	65	)	)	PUNCT
esutjss-292	130	66	willingness	willingness	NOUN
esutjss-292	130	67	to	to	PART
esutjss-292	130	68	participate	participate	VERB
esutjss-292	130	69	in	in	ADP
esutjss-292	130	70	the	the	DET
esutjss-292	130	71	research	research	NOUN
esutjss-292	130	72	.	.	PUNCT
esutjss-292	131	1	this	this	DET
esutjss-292	131	2	sampling	sample	VERB
esutjss-292	131	3	approach	approach	NOUN
esutjss-292	131	4	ensured	ensure	VERB
esutjss-292	131	5	that	that	SCONJ
esutjss-292	131	6	selected	select	VERB
esutjss-292	131	7	smes	sme	NOUN
esutjss-292	131	8	were	be	AUX
esutjss-292	131	9	relevant	relevant	ADJ
esutjss-292	131	10	to	to	ADP
esutjss-292	131	11	the	the	DET
esutjss-292	131	12	research	research	NOUN
esutjss-292	131	13	objectives	objective	NOUN
esutjss-292	131	14	and	and	CCONJ
esutjss-292	131	15	could	could	AUX
esutjss-292	131	16	provide	provide	VERB
esutjss-292	131	17	meaningful	meaningful	ADJ
esutjss-292	131	18	insights	insight	NOUN
esutjss-292	131	19	about	about	ADP
esutjss-292	131	20	fintech	fintech	NOUN
esutjss-292	131	21	adoption	adoption	NOUN
esutjss-292	131	22	and	and	CCONJ
esutjss-292	131	23	its	its	PRON
esutjss-292	131	24	impacts	impact	NOUN
esutjss-292	131	25	.	.	PUNCT
esutjss-292	132	1	using	use	VERB
esutjss-292	132	2	cochran	cochran	NOUN
esutjss-292	132	3	's	's	PART
esutjss-292	132	4	formula	formula	NOUN
esutjss-292	132	5	for	for	ADP
esutjss-292	132	6	sample	sample	NOUN
esutjss-292	132	7	size	size	NOUN
esutjss-292	132	8	determination	determination	NOUN
esutjss-292	132	9	,	,	PUNCT
esutjss-292	132	10	a	a	DET
esutjss-292	132	11	sample	sample	NOUN
esutjss-292	132	12	of	of	ADP
esutjss-292	132	13	382	382	NUM
esutjss-292	132	14	sme	sme	NOUN
esutjss-292	132	15	owners	owner	NOUN
esutjss-292	132	16	/	/	SYM
esutjss-292	132	17	managers	manager	NOUN
esutjss-292	132	18	was	be	AUX
esutjss-292	132	19	calculated	calculate	VERB
esutjss-292	132	20	,	,	PUNCT
esutjss-292	132	21	assuming	assume	VERB
esutjss-292	132	22	a	a	DET
esutjss-292	132	23	95	95	NUM
esutjss-292	132	24	%	%	NOUN
esutjss-292	132	25	confidence	confidence	NOUN
esutjss-292	132	26	level	level	NOUN
esutjss-292	132	27	,	,	PUNCT
esutjss-292	132	28	5	5	NUM
esutjss-292	132	29	%	%	NOUN
esutjss-292	132	30	margin	margin	NOUN
esutjss-292	132	31	of	of	ADP
esutjss-292	132	32	error	error	NOUN
esutjss-292	132	33	,	,	PUNCT
esutjss-292	132	34	and	and	CCONJ
esutjss-292	132	35	maximum	maximum	ADJ
esutjss-292	132	36	variability	variability	NOUN
esutjss-292	132	37	(	(	PUNCT
esutjss-292	132	38	p	p	NOUN
esutjss-292	132	39	=	=	NOUN
esutjss-292	132	40	0.5	0.5	NUM
esutjss-292	132	41	)	)	PUNCT
esutjss-292	132	42	.	.	PUNCT
esutjss-292	133	1	the	the	DET
esutjss-292	133	2	formula	formula	NOUN
esutjss-292	133	3	applied	apply	VERB
esutjss-292	133	4	was	be	AUX
esutjss-292	133	5	:	:	PUNCT
esutjss-292	133	6	𝑛₀	𝑛₀	PROPN
esutjss-292	133	7	=	=	SYM
esutjss-292	133	8	𝑍²	𝑍²	PROPN
esutjss-292	133	9	×	×	PROPN
esutjss-292	133	10	𝑝	𝑝	PROPN
esutjss-292	133	11	×	×	NOUN
esutjss-292	133	12	(	(	PUNCT
esutjss-292	133	13	1	1	NUM
esutjss-292	133	14	−	−	PROPN
esutjss-292	133	15	𝑝	𝑝	NOUN
esutjss-292	133	16	)	)	PUNCT
esutjss-292	133	17	/	/	SYM
esutjss-292	133	18	𝑒²	𝑒²	NOUN
esutjss-292	133	19	table	table	NOUN
esutjss-292	133	20	1	1	NUM
esutjss-292	133	21	:	:	PUNCT
esutjss-292	133	22	distribution	distribution	NOUN
esutjss-292	133	23	of	of	ADP
esutjss-292	133	24	sample	sample	NOUN
esutjss-292	133	25	size	size	NOUN
esutjss-292	133	26	by	by	ADP
esutjss-292	133	27	business	business	NOUN
esutjss-292	133	28	sector	sector	NOUN
esutjss-292	133	29	sector	sector	NOUN
esutjss-292	133	30	number	number	NOUN
esutjss-292	133	31	of	of	ADP
esutjss-292	133	32	smes	sme	NOUN
esutjss-292	133	33	percentage	percentage	NOUN
esutjss-292	133	34	sample	sample	NOUN
esutjss-292	133	35	size	size	NOUN
esutjss-292	133	36	retail	retail	ADJ
esutjss-292	133	37	trade	trade	NOUN
esutjss-292	133	38	2,871	2,871	NUM
esutjss-292	133	39	34.0	34.0	NUM
esutjss-292	133	40	%	%	NOUN
esutjss-292	133	41	130	130	NUM
esutjss-292	133	42	services	service	NOUN
esutjss-292	133	43	2,366	2,366	NUM
esutjss-292	133	44	28.0	28.0	NUM
esutjss-292	133	45	%	%	NOUN
esutjss-292	133	46	107	107	NUM
esutjss-292	133	47	manufacturing	manufacture	VERB
esutjss-292	133	48	1,521	1,521	NUM
esutjss-292	133	49	18.0	18.0	NUM
esutjss-292	133	50	%	%	NOUN
esutjss-292	133	51	69	69	NUM
esutjss-292	133	52	agriculture	agriculture	NOUN
esutjss-292	133	53	1,183	1,183	NUM
esutjss-292	133	54	14.0	14.0	NUM
esutjss-292	133	55	%	%	NOUN
esutjss-292	133	56	53	53	NUM
esutjss-292	133	57	technology	technology	NOUN
esutjss-292	133	58	/	/	SYM
esutjss-292	133	59	ict	ict	PROPN
esutjss-292	133	60	507	507	NUM
esutjss-292	133	61	6.0	6.0	NUM
esutjss-292	133	62	%	%	NOUN
esutjss-292	133	63	23	23	NUM
esutjss-292	133	64	total	total	NOUN
esutjss-292	133	65	8,450	8,450	NUM
esutjss-292	133	66	100.0	100.0	NUM
esutjss-292	133	67	%	%	NOUN
esutjss-292	133	68	382	382	NUM
esutjss-292	133	69	source	source	NOUN
esutjss-292	133	70	:	:	PUNCT
esutjss-292	133	71	researcher	researcher	NOUN
esutjss-292	133	72	's	's	PART
esutjss-292	133	73	computation	computation	NOUN
esutjss-292	133	74	based	base	VERB
esutjss-292	133	75	on	on	ADP
esutjss-292	133	76	smedan	smedan	PROPN
esutjss-292	133	77	(	(	PUNCT
esutjss-292	133	78	2022	2022	NUM
esutjss-292	133	79	)	)	PUNCT
esutjss-292	133	80	data	datum	NOUN
esutjss-292	133	81	293	293	NUM
esutjss-292	133	82	the	the	DET
esutjss-292	133	83	primary	primary	ADJ
esutjss-292	133	84	data	datum	NOUN
esutjss-292	133	85	was	be	AUX
esutjss-292	133	86	gathered	gather	VERB
esutjss-292	133	87	by	by	ADP
esutjss-292	133	88	means	mean	NOUN
esutjss-292	133	89	of	of	ADP
esutjss-292	133	90	structured	structured	ADJ
esutjss-292	133	91	questionnaires	questionnaire	NOUN
esutjss-292	133	92	that	that	PRON
esutjss-292	133	93	were	be	AUX
esutjss-292	133	94	distributed	distribute	VERB
esutjss-292	133	95	to	to	ADP
esutjss-292	133	96	the	the	DET
esutjss-292	133	97	owners	owner	NOUN
esutjss-292	133	98	of	of	ADP
esutjss-292	133	99	smes	sme	NOUN
esutjss-292	133	100	or	or	CCONJ
esutjss-292	133	101	top	top	ADJ
esutjss-292	133	102	managers	manager	NOUN
esutjss-292	133	103	who	who	PRON
esutjss-292	133	104	make	make	VERB
esutjss-292	133	105	financial	financial	ADJ
esutjss-292	133	106	management	management	NOUN
esutjss-292	133	107	decisions	decision	NOUN
esutjss-292	133	108	.	.	PUNCT
esutjss-292	134	1	the	the	DET
esutjss-292	134	2	questionnaire	questionnaire	NOUN
esutjss-292	134	3	was	be	AUX
esutjss-292	134	4	created	create	VERB
esutjss-292	134	5	on	on	ADP
esutjss-292	134	6	the	the	DET
esutjss-292	134	7	ground	ground	NOUN
esutjss-292	134	8	of	of	ADP
esutjss-292	134	9	thorough	thorough	ADJ
esutjss-292	134	10	literature	literature	NOUN
esutjss-292	134	11	review	review	NOUN
esutjss-292	134	12	and	and	CCONJ
esutjss-292	134	13	was	be	AUX
esutjss-292	134	14	tested	test	VERB
esutjss-292	134	15	piloting	pilot	VERB
esutjss-292	134	16	on	on	ADP
esutjss-292	134	17	30	30	NUM
esutjss-292	134	18	smes	sme	NOUN
esutjss-292	134	19	that	that	PRON
esutjss-292	134	20	were	be	AUX
esutjss-292	134	21	not	not	PART
esutjss-292	134	22	involved	involve	VERB
esutjss-292	134	23	in	in	ADP
esutjss-292	134	24	the	the	DET
esutjss-292	134	25	main	main	ADJ
esutjss-292	134	26	study	study	NOUN
esutjss-292	134	27	.	.	PUNCT
esutjss-292	135	1	the	the	DET
esutjss-292	135	2	instrument	instrument	NOUN
esutjss-292	135	3	comprised	comprise	VERB
esutjss-292	135	4	of	of	ADP
esutjss-292	135	5	5	5	NUM
esutjss-292	135	6	sections	section	NOUN
esutjss-292	135	7	that	that	PRON
esutjss-292	135	8	included	include	VERB
esutjss-292	135	9	demographic	demographic	ADJ
esutjss-292	135	10	information	information	NOUN
esutjss-292	135	11	,	,	PUNCT
esutjss-292	135	12	fintech	fintech	NOUN
esutjss-292	135	13	adoption	adoption	NOUN
esutjss-292	135	14	patterns	pattern	NOUN
esutjss-292	135	15	,	,	PUNCT
esutjss-292	135	16	the	the	DET
esutjss-292	135	17	use	use	NOUN
esutjss-292	135	18	of	of	ADP
esutjss-292	135	19	mobile	mobile	ADJ
esutjss-292	135	20	payment	payment	NOUN
esutjss-292	135	21	systems	system	NOUN
esutjss-292	135	22	,	,	PUNCT
esutjss-292	135	23	the	the	DET
esutjss-292	135	24	impact	impact	NOUN
esutjss-292	135	25	of	of	ADP
esutjss-292	135	26	mobile	mobile	ADJ
esutjss-292	135	27	payment	payment	NOUN
esutjss-292	135	28	systems	system	NOUN
esutjss-292	135	29	,	,	PUNCT
esutjss-292	135	30	the	the	DET
esutjss-292	135	31	use	use	NOUN
esutjss-292	135	32	of	of	ADP
esutjss-292	135	33	digital	digital	ADJ
esutjss-292	135	34	lending	lending	NOUN
esutjss-292	135	35	platforms	platform	NOUN
esutjss-292	135	36	,	,	PUNCT
esutjss-292	135	37	the	the	DET
esutjss-292	135	38	impact	impact	NOUN
esutjss-292	135	39	of	of	ADP
esutjss-292	135	40	digital	digital	ADJ
esutjss-292	135	41	lending	lending	NOUN
esutjss-292	135	42	platforms	platform	NOUN
esutjss-292	135	43	,	,	PUNCT
esutjss-292	135	44	and	and	CCONJ
esutjss-292	135	45	general	general	ADJ
esutjss-292	135	46	measures	measure	NOUN
esutjss-292	135	47	of	of	ADP
esutjss-292	135	48	business	business	NOUN
esutjss-292	135	49	performance	performance	NOUN
esutjss-292	135	50	.	.	PUNCT
esutjss-292	136	1	measurement	measurement	NOUN
esutjss-292	136	2	of	of	ADP
esutjss-292	136	3	questionnaire	questionnaire	NOUN
esutjss-292	136	4	items	item	NOUN
esutjss-292	136	5	was	be	AUX
esutjss-292	136	6	done	do	VERB
esutjss-292	136	7	on	on	ADP
esutjss-292	136	8	a	a	DET
esutjss-292	136	9	5	5	NUM
esutjss-292	136	10	-	-	PUNCT
esutjss-292	136	11	point	point	NOUN
esutjss-292	136	12	likert	likert	ADJ
esutjss-292	136	13	scale	scale	NOUN
esutjss-292	136	14	between	between	ADP
esutjss-292	136	15	1	1	NUM
esutjss-292	136	16	(	(	PUNCT
esutjss-292	136	17	strongly	strongly	ADV
esutjss-292	136	18	disagree	disagree	VERB
esutjss-292	136	19	)	)	PUNCT
esutjss-292	136	20	to	to	ADP
esutjss-292	136	21	5	5	NUM
esutjss-292	136	22	(	(	PUNCT
esutjss-292	136	23	strongly	strongly	ADV
esutjss-292	136	24	agree	agree	VERB
esutjss-292	136	25	)	)	PUNCT
esutjss-292	136	26	on	on	ADP
esutjss-292	136	27	perception	perception	NOUN
esutjss-292	136	28	based	base	VERB
esutjss-292	136	29	questions	question	NOUN
esutjss-292	136	30	,	,	PUNCT
esutjss-292	136	31	and	and	CCONJ
esutjss-292	136	32	categorical	categorical	ADJ
esutjss-292	136	33	and	and	CCONJ
esutjss-292	136	34	continuous	continuous	ADJ
esutjss-292	136	35	variables	variable	NOUN
esutjss-292	136	36	were	be	AUX
esutjss-292	136	37	used	use	VERB
esutjss-292	136	38	to	to	PART
esutjss-292	136	39	measure	measure	VERB
esutjss-292	136	40	adoption	adoption	NOUN
esutjss-292	136	41	patterns	pattern	NOUN
esutjss-292	136	42	.	.	PUNCT
esutjss-292	137	1	the	the	DET
esutjss-292	137	2	efficiency	efficiency	NOUN
esutjss-292	137	3	of	of	ADP
esutjss-292	137	4	financial	financial	ADJ
esutjss-292	137	5	management	management	NOUN
esutjss-292	137	6	was	be	AUX
esutjss-292	137	7	assessed	assess	VERB
esutjss-292	137	8	on	on	ADP
esutjss-292	137	9	the	the	DET
esutjss-292	137	10	items	item	NOUN
esutjss-292	137	11	concerned	concern	VERB
esutjss-292	137	12	with	with	ADP
esutjss-292	137	13	speed	speed	NOUN
esutjss-292	137	14	of	of	ADP
esutjss-292	137	15	transaction	transaction	NOUN
esutjss-292	137	16	processing	processing	NOUN
esutjss-292	137	17	,	,	PUNCT
esutjss-292	137	18	management	management	NOUN
esutjss-292	137	19	of	of	ADP
esutjss-292	137	20	cash	cash	NOUN
esutjss-292	137	21	flows	flow	NOUN
esutjss-292	137	22	,	,	PUNCT
esutjss-292	137	23	cost	cost	NOUN
esutjss-292	137	24	minimization	minimization	NOUN
esutjss-292	137	25	,	,	PUNCT
esutjss-292	137	26	accuracy	accuracy	NOUN
esutjss-292	137	27	of	of	ADP
esutjss-292	137	28	record	record	NOUN
esutjss-292	137	29	-	-	PUNCT
esutjss-292	137	30	keeping	keep	VERB
esutjss-292	137	31	activities	activity	NOUN
esutjss-292	137	32	and	and	CCONJ
esutjss-292	137	33	financial	financial	ADJ
esutjss-292	137	34	planning	planning	NOUN
esutjss-292	137	35	strengths	strength	NOUN
esutjss-292	137	36	.	.	PUNCT
esutjss-292	138	1	the	the	DET
esutjss-292	138	2	measures	measure	NOUN
esutjss-292	138	3	used	use	VERB
esutjss-292	138	4	in	in	ADP
esutjss-292	138	5	determining	determine	VERB
esutjss-292	138	6	business	business	NOUN
esutjss-292	138	7	performance	performance	NOUN
esutjss-292	138	8	were	be	AUX
esutjss-292	138	9	growth	growth	NOUN
esutjss-292	138	10	in	in	ADP
esutjss-292	138	11	revenues	revenue	NOUN
esutjss-292	138	12	,	,	PUNCT
esutjss-292	138	13	profitability	profitability	NOUN
esutjss-292	138	14	,	,	PUNCT
esutjss-292	138	15	market	market	NOUN
esutjss-292	138	16	growth	growth	NOUN
esutjss-292	138	17	,	,	PUNCT
esutjss-292	138	18	operational	operational	ADJ
esutjss-292	138	19	efficiency	efficiency	NOUN
esutjss-292	138	20	and	and	CCONJ
esutjss-292	138	21	competitive	competitive	ADJ
esutjss-292	138	22	positioning	positioning	NOUN
esutjss-292	138	23	.	.	PUNCT
esutjss-292	139	1	data	datum	NOUN
esutjss-292	139	2	collection	collection	NOUN
esutjss-292	139	3	was	be	AUX
esutjss-292	139	4	conducted	conduct	VERB
esutjss-292	139	5	over	over	ADP
esutjss-292	139	6	a	a	DET
esutjss-292	139	7	period	period	NOUN
esutjss-292	139	8	of	of	ADP
esutjss-292	139	9	eight	eight	NUM
esutjss-292	139	10	weeks	week	NOUN
esutjss-292	139	11	,	,	PUNCT
esutjss-292	139	12	with	with	ADP
esutjss-292	139	13	trained	train	VERB
esutjss-292	139	14	research	research	NOUN
esutjss-292	139	15	assistants	assistant	NOUN
esutjss-292	139	16	visiting	visit	VERB
esutjss-292	139	17	smes	sme	NOUN
esutjss-292	139	18	across	across	ADP
esutjss-292	139	19	different	different	ADJ
esutjss-292	139	20	locations	location	NOUN
esutjss-292	139	21	in	in	ADP
esutjss-292	139	22	ilorin	ilorin	PROPN
esutjss-292	139	23	metropolis	metropolis	PROPN
esutjss-292	139	24	.	.	PUNCT
esutjss-292	140	1	mainly	mainly	ADV
esutjss-292	140	2	drop	drop	VERB
esutjss-292	140	3	-	-	PUNCT
esutjss-292	140	4	and	and	CCONJ
esutjss-292	140	5	-	-	PUNCT
esutjss-292	140	6	collect	collect	NOUN
esutjss-292	140	7	method	method	NOUN
esutjss-292	140	8	was	be	AUX
esutjss-292	140	9	employed	employ	VERB
esutjss-292	140	10	that	that	PRON
esutjss-292	140	11	gave	give	VERB
esutjss-292	140	12	the	the	DET
esutjss-292	140	13	respondents	respondent	NOUN
esutjss-292	140	14	enough	enough	ADJ
esutjss-292	140	15	time	time	NOUN
esutjss-292	140	16	to	to	PART
esutjss-292	140	17	fill	fill	VERB
esutjss-292	140	18	in	in	ADP
esutjss-292	140	19	the	the	DET
esutjss-292	140	20	questionnaires	questionnaire	NOUN
esutjss-292	140	21	and	and	CCONJ
esutjss-292	140	22	kept	keep	VERB
esutjss-292	140	23	the	the	DET
esutjss-292	140	24	response	response	NOUN
esutjss-292	140	25	rates	rate	NOUN
esutjss-292	140	26	high	high	ADJ
esutjss-292	140	27	.	.	PUNCT
esutjss-292	141	1	visit	visit	VERB
esutjss-292	141	2	follow	follow	NOUN
esutjss-292	141	3	-	-	PUNCT
esutjss-292	141	4	ups	up	NOUN
esutjss-292	141	5	were	be	AUX
esutjss-292	141	6	made	make	VERB
esutjss-292	141	7	where	where	SCONJ
esutjss-292	141	8	appropriate	appropriate	ADJ
esutjss-292	141	9	to	to	PART
esutjss-292	141	10	clarify	clarify	VERB
esutjss-292	141	11	the	the	DET
esutjss-292	141	12	responses	response	NOUN
esutjss-292	141	13	and	and	CCONJ
esutjss-292	141	14	to	to	PART
esutjss-292	141	15	assure	assure	VERB
esutjss-292	141	16	data	datum	NOUN
esutjss-292	141	17	quality	quality	NOUN
esutjss-292	141	18	.	.	PUNCT
esutjss-292	142	1	the	the	DET
esutjss-292	142	2	statistical	statistical	ADJ
esutjss-292	142	3	package	package	NOUN
esutjss-292	142	4	of	of	ADP
esutjss-292	142	5	social	social	ADJ
esutjss-292	142	6	sciences	science	NOUN
esutjss-292	142	7	(	(	PUNCT
esutjss-292	142	8	spss	spss	PROPN
esutjss-292	142	9	)	)	PUNCT
esutjss-292	142	10	version	version	NOUN
esutjss-292	142	11	28.0	28.0	NUM
esutjss-292	142	12	was	be	AUX
esutjss-292	142	13	used	use	VERB
esutjss-292	142	14	in	in	ADP
esutjss-292	142	15	data	datum	NOUN
esutjss-292	142	16	analysis	analysis	NOUN
esutjss-292	142	17	.	.	PUNCT
esutjss-292	143	1	the	the	DET
esutjss-292	143	2	characterization	characterization	NOUN
esutjss-292	143	3	of	of	ADP
esutjss-292	143	4	respondents	respondent	NOUN
esutjss-292	143	5	and	and	CCONJ
esutjss-292	143	6	variables	variable	NOUN
esutjss-292	143	7	distributions	distribution	NOUN
esutjss-292	143	8	were	be	AUX
esutjss-292	143	9	summarized	summarize	VERB
esutjss-292	143	10	through	through	ADP
esutjss-292	143	11	descriptive	descriptive	ADJ
esutjss-292	143	12	statistics	statistic	NOUN
esutjss-292	143	13	(	(	PUNCT
esutjss-292	143	14	frequencies	frequency	NOUN
esutjss-292	143	15	,	,	PUNCT
esutjss-292	143	16	percentages	percentage	NOUN
esutjss-292	143	17	,	,	PUNCT
esutjss-292	143	18	means	mean	NOUN
esutjss-292	143	19	,	,	PUNCT
esutjss-292	143	20	and	and	CCONJ
esutjss-292	143	21	standard	standard	ADJ
esutjss-292	143	22	deviations	deviation	NOUN
esutjss-292	143	23	)	)	PUNCT
esutjss-292	143	24	.	.	PUNCT
esutjss-292	144	1	the	the	DET
esutjss-292	144	2	research	research	NOUN
esutjss-292	144	3	hypotheses	hypothesis	NOUN
esutjss-292	144	4	were	be	AUX
esutjss-292	144	5	tested	test	VERB
esutjss-292	144	6	with	with	ADP
esutjss-292	144	7	the	the	DET
esutjss-292	144	8	help	help	NOUN
esutjss-292	144	9	of	of	ADP
esutjss-292	144	10	simple	simple	ADJ
esutjss-292	144	11	linear	linear	ADJ
esutjss-292	144	12	regression	regression	NOUN
esutjss-292	144	13	analysis	analysis	NOUN
esutjss-292	144	14	aimed	aim	VERB
esutjss-292	144	15	at	at	ADP
esutjss-292	144	16	investigating	investigate	VERB
esutjss-292	144	17	the	the	DET
esutjss-292	144	18	relationships	relationship	NOUN
esutjss-292	144	19	between	between	ADP
esutjss-292	144	20	adoption	adoption	NOUN
esutjss-292	144	21	of	of	ADP
esutjss-292	144	22	mobile	mobile	ADJ
esutjss-292	144	23	payment	payment	NOUN
esutjss-292	144	24	systems	system	NOUN
esutjss-292	144	25	and	and	CCONJ
esutjss-292	144	26	financial	financial	ADJ
esutjss-292	144	27	management	management	NOUN
esutjss-292	144	28	efficiency	efficiency	NOUN
esutjss-292	144	29	and	and	CCONJ
esutjss-292	144	30	adoption	adoption	NOUN
esutjss-292	144	31	of	of	ADP
esutjss-292	144	32	digital	digital	ADJ
esutjss-292	144	33	lending	lending	NOUN
esutjss-292	144	34	platforms	platform	NOUN
esutjss-292	144	35	and	and	CCONJ
esutjss-292	144	36	business	business	NOUN
esutjss-292	144	37	performance	performance	NOUN
esutjss-292	144	38	.	.	PUNCT
esutjss-292	145	1	the	the	DET
esutjss-292	145	2	regression	regression	NOUN
esutjss-292	145	3	models	model	NOUN
esutjss-292	145	4	were	be	AUX
esutjss-292	145	5	formulated	formulate	VERB
esutjss-292	145	6	as	as	ADP
esutjss-292	145	7	:	:	PUNCT
esutjss-292	145	8	model	model	NOUN
esutjss-292	145	9	1	1	NUM
esutjss-292	145	10	:	:	PUNCT
esutjss-292	145	11	financial	financial	ADJ
esutjss-292	145	12	management	management	NOUN
esutjss-292	145	13	efficiency	efficiency	NOUN
esutjss-292	145	14	=	=	SYM
esutjss-292	145	15	β₀	β₀	PROPN
esutjss-292	145	16	+	+	CCONJ
esutjss-292	145	17	β₁(mobile	β₁(mobile	ADJ
esutjss-292	145	18	payment	payment	NOUN
esutjss-292	145	19	systems	system	NOUN
esutjss-292	145	20	)	)	PUNCT
esutjss-292	146	1	+	+	CCONJ
esutjss-292	146	2	ε	ε	PROPN
esutjss-292	146	3	model	model	NOUN
esutjss-292	146	4	2	2	NUM
esutjss-292	146	5	:	:	PUNCT
esutjss-292	146	6	business	business	NOUN
esutjss-292	146	7	performance	performance	NOUN
esutjss-292	146	8	=	=	SYM
esutjss-292	146	9	β₀	β₀	PROPN
esutjss-292	146	10	+	+	CCONJ
esutjss-292	146	11	β₁(digital	β₁(digital	ADJ
esutjss-292	146	12	lending	lending	NOUN
esutjss-292	146	13	platforms	platform	NOUN
esutjss-292	146	14	)	)	PUNCT
esutjss-292	147	1	+	+	CCONJ
esutjss-292	147	2	ε	ε	PROPN
esutjss-292	147	3	where	where	SCONJ
esutjss-292	147	4	:	:	PUNCT
esutjss-292	147	5	β₀	β₀	NOUN
esutjss-292	147	6	represents	represent	VERB
esutjss-292	147	7	the	the	DET
esutjss-292	147	8	intercept	intercept	NOUN
esutjss-292	147	9	,	,	PUNCT
esutjss-292	147	10	β₁	β₁	PROPN
esutjss-292	147	11	represents	represent	VERB
esutjss-292	147	12	the	the	DET
esutjss-292	147	13	regression	regression	NOUN
esutjss-292	147	14	coefficient	coefficient	NOUN
esutjss-292	147	15	ε	ε	PROPN
esutjss-292	147	16	represents	represent	VERB
esutjss-292	147	17	the	the	DET
esutjss-292	147	18	error	error	NOUN
esutjss-292	147	19	term	term	NOUN
esutjss-292	147	20	.	.	PUNCT
esutjss-292	148	1	results	result	NOUN
esutjss-292	148	2	and	and	CCONJ
esutjss-292	148	3	discussion	discussion	NOUN
esutjss-292	148	4	demographic	demographic	ADJ
esutjss-292	148	5	characteristics	characteristic	NOUN
esutjss-292	148	6	table	table	NOUN
esutjss-292	148	7	2	2	NUM
esutjss-292	148	8	:	:	PUNCT
esutjss-292	148	9	demographic	demographic	ADJ
esutjss-292	148	10	characteristics	characteristic	NOUN
esutjss-292	148	11	of	of	ADP
esutjss-292	148	12	respondents	respondent	NOUN
esutjss-292	148	13	(	(	PUNCT
esutjss-292	148	14	n=375	n=375	NUM
esutjss-292	148	15	)	)	PUNCT
esutjss-292	148	16	variable	variable	ADJ
esutjss-292	148	17	categories	category	NOUN
esutjss-292	148	18	frequency	frequency	VERB
esutjss-292	148	19	percentage	percentage	NOUN
esutjss-292	148	20	(	(	PUNCT
esutjss-292	148	21	%	%	NOUN
esutjss-292	148	22	)	)	PUNCT
esutjss-292	148	23	gender	gender	NOUN
esutjss-292	148	24	male	male	NOUN
esutjss-292	148	25	234	234	NUM
esutjss-292	148	26	62.4	62.4	NUM
esutjss-292	148	27	female	female	ADJ
esutjss-292	148	28	141	141	NUM
esutjss-292	148	29	37.6	37.6	NUM
esutjss-292	148	30	total	total	NOUN
esutjss-292	148	31	375	375	NUM
esutjss-292	148	32	100.0	100.0	NUM
esutjss-292	148	33	age	age	NOUN
esutjss-292	148	34	group	group	NOUN
esutjss-292	148	35	18	18	NUM
esutjss-292	148	36	-	-	SYM
esutjss-292	148	37	30	30	NUM
esutjss-292	148	38	years	year	NOUN
esutjss-292	148	39	89	89	NUM
esutjss-292	148	40	23.7	23.7	NUM
esutjss-292	148	41	31	31	NUM
esutjss-292	148	42	-	-	SYM
esutjss-292	148	43	40	40	NUM
esutjss-292	148	44	years	year	NOUN
esutjss-292	148	45	142	142	NUM
esutjss-292	148	46	37.9	37.9	NUM
esutjss-292	148	47	294	294	NUM
esutjss-292	148	48	41	41	NUM
esutjss-292	148	49	-	-	SYM
esutjss-292	148	50	50	50	NUM
esutjss-292	148	51	years	year	NOUN
esutjss-292	148	52	108	108	NUM
esutjss-292	148	53	28.8	28.8	NUM
esutjss-292	148	54	above	above	ADP
esutjss-292	148	55	50	50	NUM
esutjss-292	148	56	years	year	NOUN
esutjss-292	148	57	36	36	NUM
esutjss-292	148	58	9.6	9.6	NUM
esutjss-292	148	59	total	total	NOUN
esutjss-292	148	60	375	375	NUM
esutjss-292	148	61	100.0	100.0	NUM
esutjss-292	148	62	education	education	NOUN
esutjss-292	148	63	level	level	NOUN
esutjss-292	148	64	ssce	ssce	ADV
esutjss-292	148	65	/	/	SYM
esutjss-292	148	66	waec	waec	NOUN
esutjss-292	148	67	67	67	NUM
esutjss-292	148	68	17.9	17.9	NUM
esutjss-292	148	69	nd	nd	NOUN
esutjss-292	148	70	/	/	SYM
esutjss-292	148	71	nce	nce	NOUN
esutjss-292	148	72	98	98	NUM
esutjss-292	148	73	26.1	26.1	NUM
esutjss-292	148	74	hnd	hnd	VERB
esutjss-292	148	75	/	/	SYM
esutjss-292	148	76	bachelor	bachelor	NOUN
esutjss-292	148	77	's	's	PART
esutjss-292	148	78	156	156	NUM
esutjss-292	148	79	41.6	41.6	NUM
esutjss-292	148	80	postgraduate	postgraduate	NOUN
esutjss-292	148	81	54	54	NUM
esutjss-292	148	82	14.4	14.4	NUM
esutjss-292	148	83	total	total	NOUN
esutjss-292	148	84	375	375	NUM
esutjss-292	148	85	100.0	100.0	NUM
esutjss-292	148	86	business	business	NOUN
esutjss-292	148	87	experience	experience	NOUN
esutjss-292	148	88	2	2	NUM
esutjss-292	148	89	-	-	SYM
esutjss-292	148	90	5	5	NUM
esutjss-292	148	91	years	year	NOUN
esutjss-292	148	92	134	134	NUM
esutjss-292	148	93	35.7	35.7	NUM
esutjss-292	148	94	6	6	NUM
esutjss-292	148	95	-	-	SYM
esutjss-292	148	96	10	10	NUM
esutjss-292	148	97	years	year	NOUN
esutjss-292	148	98	128	128	NUM
esutjss-292	148	99	34.1	34.1	NUM
esutjss-292	148	100	11	11	NUM
esutjss-292	148	101	-	-	SYM
esutjss-292	148	102	15	15	NUM
esutjss-292	148	103	years	year	NOUN
esutjss-292	148	104	78	78	NUM
esutjss-292	148	105	20.8	20.8	NUM
esutjss-292	148	106	above	above	ADP
esutjss-292	148	107	15	15	NUM
esutjss-292	148	108	years	year	NOUN
esutjss-292	148	109	35	35	NUM
esutjss-292	148	110	9.3	9.3	NUM
esutjss-292	148	111	total	total	NOUN
esutjss-292	148	112	375	375	NUM
esutjss-292	148	113	100.0	100.0	NUM
esutjss-292	148	114	business	business	NOUN
esutjss-292	148	115	size	size	NOUN
esutjss-292	148	116	micro	micro	NOUN
esutjss-292	148	117	(	(	PUNCT
esutjss-292	148	118	1	1	NUM
esutjss-292	148	119	-	-	SYM
esutjss-292	148	120	10	10	NUM
esutjss-292	148	121	employees	employee	NOUN
esutjss-292	148	122	)	)	PUNCT
esutjss-292	148	123	198	198	NUM
esutjss-292	148	124	52.8	52.8	NUM
esutjss-292	148	125	small	small	ADJ
esutjss-292	148	126	(	(	PUNCT
esutjss-292	148	127	11	11	NUM
esutjss-292	148	128	-	-	SYM
esutjss-292	148	129	50	50	NUM
esutjss-292	148	130	employees	employee	NOUN
esutjss-292	148	131	)	)	PUNCT
esutjss-292	148	132	134	134	NUM
esutjss-292	148	133	35.7	35.7	NUM
esutjss-292	148	134	medium	medium	NOUN
esutjss-292	148	135	(	(	PUNCT
esutjss-292	148	136	51	51	NUM
esutjss-292	148	137	-	-	SYM
esutjss-292	148	138	200	200	NUM
esutjss-292	148	139	employees	employee	NOUN
esutjss-292	148	140	)	)	PUNCT
esutjss-292	148	141	43	43	NUM
esutjss-292	148	142	11.5	11.5	NUM
esutjss-292	148	143	total	total	NOUN
esutjss-292	148	144	375	375	NUM
esutjss-292	148	145	100.0	100.0	NUM
esutjss-292	148	146	annual	annual	ADJ
esutjss-292	148	147	turnover	turnover	NOUN
esutjss-292	148	148	₦	₦	ADP
esutjss-292	148	149	5	5	NUM
esutjss-292	148	150	-	-	SYM
esutjss-292	148	151	20	20	NUM
esutjss-292	148	152	million	million	NUM
esutjss-292	148	153	189	189	NUM
esutjss-292	148	154	50.4	50.4	NUM
esutjss-292	148	155	₦	₦	ADP
esutjss-292	148	156	21	21	NUM
esutjss-292	148	157	-	-	SYM
esutjss-292	148	158	50	50	NUM
esutjss-292	148	159	million	million	NUM
esutjss-292	148	160	112	112	NUM
esutjss-292	148	161	29.9	29.9	NUM
esutjss-292	148	162	₦	₦	ADV
esutjss-292	148	163	51	51	NUM
esutjss-292	148	164	-	-	SYM
esutjss-292	148	165	200	200	NUM
esutjss-292	148	166	million	million	NUM
esutjss-292	148	167	54	54	NUM
esutjss-292	148	168	14.4	14.4	NUM
esutjss-292	148	169	above	above	ADP
esutjss-292	148	170	₦	₦	ADV
esutjss-292	148	171	200	200	NUM
esutjss-292	148	172	million	million	NUM
esutjss-292	148	173	20	20	NUM
esutjss-292	148	174	5.3	5.3	NUM
esutjss-292	148	175	total	total	NOUN
esutjss-292	148	176	375	375	NUM
esutjss-292	148	177	100.0	100.0	NUM
esutjss-292	148	178	source	source	NOUN
esutjss-292	148	179	:	:	PUNCT
esutjss-292	148	180	field	field	NOUN
esutjss-292	148	181	survey	survey	NOUN
esutjss-292	148	182	(	(	PUNCT
esutjss-292	148	183	2025	2025	NUM
esutjss-292	148	184	)	)	PUNCT
esutjss-292	148	185	the	the	DET
esutjss-292	148	186	demographic	demographic	ADJ
esutjss-292	148	187	study	study	NOUN
esutjss-292	148	188	indicates	indicate	VERB
esutjss-292	148	189	that	that	SCONJ
esutjss-292	148	190	the	the	DET
esutjss-292	148	191	respondents	respondent	NOUN
esutjss-292	148	192	were	be	AUX
esutjss-292	148	193	predominantly	predominantly	ADV
esutjss-292	148	194	male	male	ADJ
esutjss-292	148	195	business	business	NOUN
esutjss-292	148	196	owners	owner	NOUN
esutjss-292	148	197	(	(	PUNCT
esutjss-292	148	198	62.4	62.4	NUM
esutjss-292	148	199	%	%	NOUN
esutjss-292	148	200	)	)	PUNCT
esutjss-292	148	201	,	,	PUNCT
esutjss-292	148	202	and	and	CCONJ
esutjss-292	148	203	such	such	DET
esutjss-292	148	204	a	a	DET
esutjss-292	148	205	situation	situation	NOUN
esutjss-292	148	206	is	be	AUX
esutjss-292	148	207	typical	typical	ADJ
esutjss-292	148	208	of	of	ADP
esutjss-292	148	209	the	the	DET
esutjss-292	148	210	male	male	ADJ
esutjss-292	148	211	dominance	dominance	NOUN
esutjss-292	148	212	in	in	ADP
esutjss-292	148	213	sme	sme	NOUN
esutjss-292	148	214	ownership	ownership	NOUN
esutjss-292	148	215	in	in	ADP
esutjss-292	148	216	nigeria	nigeria	PROPN
esutjss-292	148	217	.	.	PUNCT
esutjss-292	149	1	the	the	DET
esutjss-292	149	2	age	age	NOUN
esutjss-292	149	3	profile	profile	NOUN
esutjss-292	149	4	indicates	indicate	VERB
esutjss-292	149	5	a	a	DET
esutjss-292	149	6	majority	majority	NOUN
esutjss-292	149	7	of	of	ADP
esutjss-292	149	8	37.9	37.9	NUM
esutjss-292	149	9	percent	percent	NOUN
esutjss-292	149	10	of	of	ADP
esutjss-292	149	11	them	they	PRON
esutjss-292	149	12	(	(	PUNCT
esutjss-292	149	13	41	41	NUM
esutjss-292	149	14	-	-	SYM
esutjss-292	149	15	50	50	NUM
esutjss-292	149	16	years	year	NOUN
esutjss-292	149	17	)	)	PUNCT
esutjss-292	149	18	were	be	AUX
esutjss-292	149	19	aged	age	VERB
esutjss-292	149	20	between	between	ADP
esutjss-292	149	21	31	31	NUM
esutjss-292	149	22	-	-	SYM
esutjss-292	149	23	40	40	NUM
esutjss-292	149	24	years	year	NOUN
esutjss-292	149	25	;	;	PUNCT
esutjss-292	149	26	this	this	PRON
esutjss-292	149	27	implies	imply	VERB
esutjss-292	149	28	that	that	SCONJ
esutjss-292	149	29	the	the	DET
esutjss-292	149	30	sample	sample	NOUN
esutjss-292	149	31	was	be	AUX
esutjss-292	149	32	made	make	VERB
esutjss-292	149	33	up	up	ADP
esutjss-292	149	34	of	of	ADP
esutjss-292	149	35	mature	mature	ADJ
esutjss-292	149	36	business	business	NOUN
esutjss-292	149	37	owners	owner	NOUN
esutjss-292	149	38	who	who	PRON
esutjss-292	149	39	had	have	VERB
esutjss-292	149	40	extensive	extensive	ADJ
esutjss-292	149	41	life	life	NOUN
esutjss-292	149	42	and	and	CCONJ
esutjss-292	149	43	business	business	NOUN
esutjss-292	149	44	experience	experience	NOUN
esutjss-292	149	45	.	.	PUNCT
esutjss-292	150	1	the	the	DET
esutjss-292	150	2	educational	educational	ADJ
esutjss-292	150	3	profile	profile	NOUN
esutjss-292	150	4	demonstrates	demonstrate	VERB
esutjss-292	150	5	that	that	SCONJ
esutjss-292	150	6	41.6	41.6	NUM
esutjss-292	150	7	%	%	NOUN
esutjss-292	150	8	of	of	ADP
esutjss-292	150	9	respondents	respondent	NOUN
esutjss-292	150	10	had	have	VERB
esutjss-292	150	11	hnd	hnd	VERB
esutjss-292	150	12	/	/	SYM
esutjss-292	150	13	bachelor	bachelor	NOUN
esutjss-292	150	14	's	's	PART
esutjss-292	150	15	degrees	degree	NOUN
esutjss-292	150	16	,	,	PUNCT
esutjss-292	150	17	while	while	SCONJ
esutjss-292	150	18	14.4	14.4	NUM
esutjss-292	150	19	%	%	NOUN
esutjss-292	150	20	held	hold	VERB
esutjss-292	150	21	postgraduate	postgraduate	NOUN
esutjss-292	150	22	qualifications	qualification	NOUN
esutjss-292	150	23	,	,	PUNCT
esutjss-292	150	24	suggesting	suggest	VERB
esutjss-292	150	25	relatively	relatively	ADV
esutjss-292	150	26	high	high	ADJ
esutjss-292	150	27	educational	educational	ADJ
esutjss-292	150	28	levels	level	NOUN
esutjss-292	150	29	among	among	ADP
esutjss-292	150	30	sme	sme	NOUN
esutjss-292	150	31	owners	owner	NOUN
esutjss-292	150	32	in	in	ADP
esutjss-292	150	33	ilorin	ilorin	NOUN
esutjss-292	150	34	.	.	PUNCT
esutjss-292	151	1	in	in	ADP
esutjss-292	151	2	terms	term	NOUN
esutjss-292	151	3	of	of	ADP
esutjss-292	151	4	experience	experience	NOUN
esutjss-292	151	5	in	in	ADP
esutjss-292	151	6	business	business	NOUN
esutjss-292	151	7	,	,	PUNCT
esutjss-292	151	8	the	the	DET
esutjss-292	151	9	respondents	respondent	NOUN
esutjss-292	151	10	were	be	AUX
esutjss-292	151	11	split	split	VERB
esutjss-292	151	12	between	between	ADP
esutjss-292	151	13	2	2	NUM
esutjss-292	151	14	-	-	SYM
esutjss-292	151	15	5	5	NUM
esutjss-292	151	16	years	year	NOUN
esutjss-292	151	17	of	of	ADP
esutjss-292	151	18	experience	experience	NOUN
esutjss-292	151	19	with	with	ADP
esutjss-292	151	20	35.7	35.7	NUM
esutjss-292	151	21	%	%	NOUN
esutjss-292	151	22	and	and	CCONJ
esutjss-292	151	23	6	6	NUM
esutjss-292	151	24	-	-	SYM
esutjss-292	151	25	10	10	NUM
esutjss-292	151	26	years	year	NOUN
esutjss-292	151	27	with	with	ADP
esutjss-292	151	28	34.1	34.1	NUM
esutjss-292	151	29	%	%	NOUN
esutjss-292	151	30	representing	represent	VERB
esutjss-292	151	31	a	a	DET
esutjss-292	151	32	good	good	ADJ
esutjss-292	151	33	representation	representation	NOUN
esutjss-292	151	34	of	of	ADP
esutjss-292	151	35	newer	new	ADJ
esutjss-292	151	36	and	and	CCONJ
esutjss-292	151	37	more	more	ADV
esutjss-292	151	38	established	establish	VERB
esutjss-292	151	39	businesses	business	NOUN
esutjss-292	151	40	.	.	PUNCT
esutjss-292	152	1	the	the	DET
esutjss-292	152	2	distribution	distribution	NOUN
esutjss-292	152	3	of	of	ADP
esutjss-292	152	4	the	the	DET
esutjss-292	152	5	size	size	NOUN
esutjss-292	152	6	of	of	ADP
esutjss-292	152	7	the	the	DET
esutjss-292	152	8	business	business	NOUN
esutjss-292	152	9	indicates	indicate	VERB
esutjss-292	152	10	that	that	SCONJ
esutjss-292	152	11	52.8	52.8	NUM
esutjss-292	152	12	%	%	NOUN
esutjss-292	152	13	were	be	AUX
esutjss-292	152	14	the	the	DET
esutjss-292	152	15	micro	micro	ADJ
esutjss-292	152	16	enterprises	enterprise	NOUN
esutjss-292	152	17	(	(	PUNCT
esutjss-292	152	18	1	1	NUM
esutjss-292	152	19	-	-	SYM
esutjss-292	152	20	10	10	NUM
esutjss-292	152	21	employees	employee	NOUN
esutjss-292	152	22	)	)	PUNCT
esutjss-292	152	23	,	,	PUNCT
esutjss-292	152	24	35.7	35.7	NUM
esutjss-292	152	25	%	%	NOUN
esutjss-292	152	26	were	be	AUX
esutjss-292	152	27	small	small	ADJ
esutjss-292	152	28	enterprises	enterprise	NOUN
esutjss-292	152	29	(	(	PUNCT
esutjss-292	152	30	11	11	NUM
esutjss-292	152	31	-	-	SYM
esutjss-292	152	32	50	50	NUM
esutjss-292	152	33	employees	employee	NOUN
esutjss-292	152	34	)	)	PUNCT
esutjss-292	152	35	and	and	CCONJ
esutjss-292	152	36	11.5	11.5	NUM
esutjss-292	152	37	%	%	NOUN
esutjss-292	152	38	were	be	AUX
esutjss-292	152	39	the	the	DET
esutjss-292	152	40	medium	medium	ADJ
esutjss-292	152	41	enterprises	enterprise	NOUN
esutjss-292	152	42	(	(	PUNCT
esutjss-292	152	43	51	51	NUM
esutjss-292	152	44	-	-	SYM
esutjss-292	152	45	200	200	NUM
esutjss-292	152	46	employees	employee	NOUN
esutjss-292	152	47	)	)	PUNCT
esutjss-292	152	48	.	.	PUNCT
esutjss-292	153	1	turnover	turnover	NOUN
esutjss-292	153	2	data	datum	NOUN
esutjss-292	153	3	reveals	reveal	VERB
esutjss-292	153	4	that	that	SCONJ
esutjss-292	153	5	50.4	50.4	NUM
esutjss-292	153	6	%	%	NOUN
esutjss-292	153	7	of	of	ADP
esutjss-292	153	8	business	business	NOUN
esutjss-292	153	9	make	make	NOUN
esutjss-292	153	10	between	between	ADP
esutjss-292	153	11	₦	₦	NOUN
esutjss-292	153	12	5	5	NUM
esutjss-292	153	13	-	-	SYM
esutjss-292	153	14	20	20	NUM
esutjss-292	153	15	million	million	NUM
esutjss-292	153	16	and	and	CCONJ
esutjss-292	153	17	29.9	29.9	NUM
esutjss-292	153	18	%	%	NOUN
esutjss-292	153	19	make	make	NOUN
esutjss-292	153	20	between	between	ADP
esutjss-292	153	21	₦	₦	NOUN
esutjss-292	153	22	21	21	NUM
esutjss-292	153	23	-	-	SYM
esutjss-292	153	24	50	50	NUM
esutjss-292	153	25	million	million	NUM
esutjss-292	153	26	annually	annually	ADV
esutjss-292	153	27	;	;	PUNCT
esutjss-292	153	28	this	this	PRON
esutjss-292	153	29	is	be	AUX
esutjss-292	153	30	a	a	DET
esutjss-292	153	31	small	small	ADJ
esutjss-292	153	32	percentage	percentage	NOUN
esutjss-292	153	33	which	which	PRON
esutjss-292	153	34	depicts	depict	VERB
esutjss-292	153	35	that	that	SCONJ
esutjss-292	153	36	the	the	DET
esutjss-292	153	37	businesses	business	NOUN
esutjss-292	153	38	in	in	ADP
esutjss-292	153	39	the	the	DET
esutjss-292	153	40	region	region	NOUN
esutjss-292	153	41	where	where	SCONJ
esutjss-292	153	42	the	the	DET
esutjss-292	153	43	study	study	NOUN
esutjss-292	153	44	was	be	AUX
esutjss-292	153	45	conducted	conduct	VERB
esutjss-292	153	46	are	be	AUX
esutjss-292	153	47	small	small	ADJ
esutjss-292	153	48	in	in	ADP
esutjss-292	153	49	scale	scale	NOUN
esutjss-292	153	50	.	.	PUNCT
esutjss-292	154	1	fintech	fintech	NOUN
esutjss-292	154	2	adoption	adoption	NOUN
esutjss-292	154	3	patterns	pattern	NOUN
esutjss-292	154	4	table	table	VERB
esutjss-292	154	5	3	3	NUM
esutjss-292	154	6	:	:	PUNCT
esutjss-292	154	7	fintech	fintech	NOUN
esutjss-292	154	8	solutions	solution	NOUN
esutjss-292	154	9	adoption	adoption	NOUN
esutjss-292	154	10	patterns	pattern	NOUN
esutjss-292	154	11	fintech	fintech	NOUN
esutjss-292	154	12	solution	solution	NOUN
esutjss-292	154	13	adopted	adopt	VERB
esutjss-292	154	14	not	not	PART
esutjss-292	154	15	adopted	adopt	VERB
esutjss-292	154	16	adoption	adoption	NOUN
esutjss-292	154	17	rate	rate	NOUN
esutjss-292	154	18	(	(	PUNCT
esutjss-292	154	19	%	%	INTJ
esutjss-292	154	20	)	)	PUNCT
esutjss-292	154	21	mobile	mobile	ADJ
esutjss-292	154	22	payment	payment	NOUN
esutjss-292	154	23	systems	system	NOUN
esutjss-292	154	24	289	289	NUM
esutjss-292	154	25	86	86	NUM
esutjss-292	154	26	77.1	77.1	NUM
esutjss-292	154	27	%	%	NOUN
esutjss-292	154	28	digital	digital	ADJ
esutjss-292	154	29	banking	banking	NOUN
esutjss-292	154	30	apps	app	NOUN
esutjss-292	154	31	234	234	NUM
esutjss-292	154	32	141	141	NUM
esutjss-292	154	33	62.4	62.4	NUM
esutjss-292	154	34	%	%	NOUN
esutjss-292	154	35	digital	digital	ADJ
esutjss-292	154	36	lending	lending	NOUN
esutjss-292	154	37	platforms	platform	NOUN
esutjss-292	154	38	178	178	NUM
esutjss-292	154	39	197	197	NUM
esutjss-292	154	40	47.5	47.5	NUM
esutjss-292	154	41	%	%	NOUN
esutjss-292	154	42	financial	financial	ADJ
esutjss-292	154	43	management	management	NOUN
esutjss-292	154	44	apps	app	NOUN
esutjss-292	154	45	123	123	NUM
esutjss-292	154	46	252	252	NUM
esutjss-292	154	47	32.8	32.8	NUM
esutjss-292	154	48	%	%	NOUN
esutjss-292	154	49	investment	investment	NOUN
esutjss-292	154	50	platforms	platform	NOUN
esutjss-292	154	51	67	67	NUM
esutjss-292	154	52	308	308	NUM
esutjss-292	154	53	17.9	17.9	NUM
esutjss-292	154	54	%	%	NOUN
esutjss-292	154	55	insurance	insurance	NOUN
esutjss-292	154	56	technology	technology	NOUN
esutjss-292	154	57	45	45	NUM
esutjss-292	154	58	330	330	NUM
esutjss-292	154	59	12.0	12.0	NUM
esutjss-292	154	60	%	%	NOUN
esutjss-292	154	61	source	source	NOUN
esutjss-292	154	62	:	:	PUNCT
esutjss-292	154	63	field	field	NOUN
esutjss-292	154	64	survey	survey	NOUN
esutjss-292	154	65	(	(	PUNCT
esutjss-292	154	66	2024	2024	NUM
esutjss-292	154	67	)	)	PUNCT
esutjss-292	154	68	295	295	NUM
esutjss-292	154	69	the	the	DET
esutjss-292	154	70	fintech	fintech	NOUN
esutjss-292	154	71	adoption	adoption	NOUN
esutjss-292	154	72	analysis	analysis	NOUN
esutjss-292	154	73	reveals	reveal	VERB
esutjss-292	154	74	varying	vary	VERB
esutjss-292	154	75	levels	level	NOUN
esutjss-292	154	76	of	of	ADP
esutjss-292	154	77	uptake	uptake	NOUN
esutjss-292	154	78	across	across	ADP
esutjss-292	154	79	different	different	ADJ
esutjss-292	154	80	solution	solution	NOUN
esutjss-292	154	81	categories	category	NOUN
esutjss-292	154	82	.	.	PUNCT
esutjss-292	155	1	mobile	mobile	ADJ
esutjss-292	155	2	payment	payment	NOUN
esutjss-292	155	3	systems	system	NOUN
esutjss-292	155	4	recorded	record	VERB
esutjss-292	155	5	the	the	DET
esutjss-292	155	6	highest	high	ADJ
esutjss-292	155	7	level	level	NOUN
esutjss-292	155	8	of	of	ADP
esutjss-292	155	9	adoption	adoption	NOUN
esutjss-292	155	10	of	of	ADP
esutjss-292	155	11	77.1	77.1	NUM
esutjss-292	155	12	that	that	PRON
esutjss-292	155	13	demonstrated	demonstrate	VERB
esutjss-292	155	14	the	the	DET
esutjss-292	155	15	prevalence	prevalence	NOUN
esutjss-292	155	16	of	of	ADP
esutjss-292	155	17	using	use	VERB
esutjss-292	155	18	this	this	DET
esutjss-292	155	19	technology	technology	NOUN
esutjss-292	155	20	among	among	ADP
esutjss-292	155	21	smes	sme	NOUN
esutjss-292	155	22	in	in	ADP
esutjss-292	155	23	ilorin	ilorin	NOUN
esutjss-292	155	24	.	.	PUNCT
esutjss-292	156	1	such	such	DET
esutjss-292	156	2	a	a	DET
esutjss-292	156	3	high	high	ADJ
esutjss-292	156	4	adoption	adoption	NOUN
esutjss-292	156	5	rate	rate	NOUN
esutjss-292	156	6	demonstrates	demonstrate	VERB
esutjss-292	156	7	the	the	DET
esutjss-292	156	8	fact	fact	NOUN
esutjss-292	156	9	that	that	SCONJ
esutjss-292	156	10	mobile	mobile	ADJ
esutjss-292	156	11	payments	payment	NOUN
esutjss-292	156	12	are	be	AUX
esutjss-292	156	13	practical	practical	ADJ
esutjss-292	156	14	to	to	ADP
esutjss-292	156	15	sme	sme	NOUN
esutjss-292	156	16	operations	operation	NOUN
esutjss-292	156	17	in	in	ADP
esutjss-292	156	18	terms	term	NOUN
esutjss-292	156	19	of	of	ADP
esutjss-292	156	20	convenience	convenience	NOUN
esutjss-292	156	21	,	,	PUNCT
esutjss-292	156	22	speed	speed	NOUN
esutjss-292	156	23	,	,	PUNCT
esutjss-292	156	24	and	and	CCONJ
esutjss-292	156	25	minimized	minimize	VERB
esutjss-292	156	26	cash	cash	NOUN
esutjss-292	156	27	handling	handling	NOUN
esutjss-292	156	28	requirements	requirement	NOUN
esutjss-292	156	29	.	.	PUNCT
esutjss-292	157	1	digital	digital	ADJ
esutjss-292	157	2	banking	banking	NOUN
esutjss-292	157	3	applications	application	NOUN
esutjss-292	157	4	have	have	AUX
esutjss-292	157	5	recorded	record	VERB
esutjss-292	157	6	a	a	DET
esutjss-292	157	7	high	high	ADJ
esutjss-292	157	8	adoption	adoption	NOUN
esutjss-292	157	9	rate	rate	NOUN
esutjss-292	157	10	with	with	ADP
esutjss-292	157	11	the	the	DET
esutjss-292	157	12	adoption	adoption	NOUN
esutjss-292	157	13	rate	rate	NOUN
esutjss-292	157	14	standing	stand	VERB
esutjss-292	157	15	at	at	ADP
esutjss-292	157	16	62.4	62.4	NUM
esutjss-292	157	17	percent	percent	NOUN
esutjss-292	157	18	which	which	PRON
esutjss-292	157	19	shows	show	VERB
esutjss-292	157	20	that	that	SCONJ
esutjss-292	157	21	basic	basic	ADJ
esutjss-292	157	22	digital	digital	ADJ
esutjss-292	157	23	banking	banking	NOUN
esutjss-292	157	24	services	service	NOUN
esutjss-292	157	25	have	have	AUX
esutjss-292	157	26	reached	reach	VERB
esutjss-292	157	27	a	a	DET
esutjss-292	157	28	high	high	ADJ
esutjss-292	157	29	penetration	penetration	NOUN
esutjss-292	157	30	rate	rate	NOUN
esutjss-292	157	31	.	.	PUNCT
esutjss-292	158	1	still	still	ADV
esutjss-292	158	2	,	,	PUNCT
esutjss-292	158	3	more	more	ADV
esutjss-292	158	4	advanced	advanced	ADJ
esutjss-292	158	5	fintech	fintech	NOUN
esutjss-292	158	6	products	product	NOUN
esutjss-292	158	7	represented	represent	VERB
esutjss-292	158	8	lower	low	ADJ
esutjss-292	158	9	use	use	NOUN
esutjss-292	158	10	rates	rate	NOUN
esutjss-292	158	11	,	,	PUNCT
esutjss-292	158	12	and	and	CCONJ
esutjss-292	158	13	digital	digital	ADJ
esutjss-292	158	14	lending	lending	NOUN
esutjss-292	158	15	platforms	platform	NOUN
esutjss-292	158	16	occupied	occupy	VERB
esutjss-292	158	17	47.5	47.5	NUM
esutjss-292	158	18	%	%	NOUN
esutjss-292	158	19	and	and	CCONJ
esutjss-292	158	20	financial	financial	ADJ
esutjss-292	158	21	management	management	NOUN
esutjss-292	158	22	apps	app	NOUN
esutjss-292	158	23	took	take	VERB
esutjss-292	158	24	32.8	32.8	NUM
esutjss-292	158	25	.	.	PUNCT
esutjss-292	159	1	platforms	platform	NOUN
esutjss-292	159	2	of	of	ADP
esutjss-292	159	3	investment	investment	NOUN
esutjss-292	159	4	and	and	CCONJ
esutjss-292	159	5	insurance	insurance	NOUN
esutjss-292	159	6	technology	technology	NOUN
esutjss-292	159	7	recorded	record	VERB
esutjss-292	159	8	significantly	significantly	ADV
esutjss-292	159	9	lower	low	ADJ
esutjss-292	159	10	adoption	adoption	NOUN
esutjss-292	159	11	rates	rate	NOUN
esutjss-292	159	12	at	at	ADP
esutjss-292	159	13	17.9	17.9	NUM
esutjss-292	159	14	%	%	NOUN
esutjss-292	159	15	and	and	CCONJ
esutjss-292	159	16	12.0	12.0	NUM
esutjss-292	159	17	%	%	NOUN
esutjss-292	159	18	respectively	respectively	ADV
esutjss-292	159	19	which	which	PRON
esutjss-292	159	20	may	may	AUX
esutjss-292	159	21	indicate	indicate	VERB
esutjss-292	159	22	that	that	SCONJ
esutjss-292	159	23	these	these	DET
esutjss-292	159	24	solutions	solution	NOUN
esutjss-292	159	25	were	be	AUX
esutjss-292	159	26	not	not	PART
esutjss-292	159	27	as	as	ADV
esutjss-292	159	28	well	well	ADV
esutjss-292	159	29	-	-	PUNCT
esutjss-292	159	30	known	know	VERB
esutjss-292	159	31	nor	nor	CCONJ
esutjss-292	159	32	seen	see	VERB
esutjss-292	159	33	as	as	ADP
esutjss-292	159	34	relevant	relevant	ADJ
esutjss-292	159	35	to	to	ADP
esutjss-292	159	36	sme	sme	NOUN
esutjss-292	159	37	operations	operation	NOUN
esutjss-292	159	38	.	.	PUNCT
esutjss-292	160	1	mobile	mobile	ADJ
esutjss-292	160	2	payment	payment	NOUN
esutjss-292	160	3	systems	system	NOUN
esutjss-292	160	4	and	and	CCONJ
esutjss-292	160	5	financial	financial	ADJ
esutjss-292	160	6	management	management	NOUN
esutjss-292	160	7	efficiency	efficiency	NOUN
esutjss-292	160	8	table	table	NOUN
esutjss-292	160	9	4	4	NUM
esutjss-292	160	10	:	:	PUNCT
esutjss-292	160	11	mobile	mobile	ADJ
esutjss-292	160	12	payment	payment	NOUN
esutjss-292	160	13	systems	system	NOUN
esutjss-292	160	14	impact	impact	NOUN
esutjss-292	160	15	on	on	ADP
esutjss-292	160	16	financial	financial	ADJ
esutjss-292	160	17	management	management	NOUN
esutjss-292	160	18	statement	statement	NOUN
esutjss-292	160	19	sd	sd	ADP
esutjss-292	160	20	d	d	PROPN
esutjss-292	160	21	n	n	PROPN
esutjss-292	160	22	a	a	DET
esutjss-292	160	23	sa	sa	NOUN
esutjss-292	160	24	mean	mean	ADJ
esutjss-292	160	25	std	std	PROPN
esutjss-292	160	26	.	.	PUNCT
esutjss-292	161	1	dev	dev	PROPN
esutjss-292	161	2	mps	mps	PROPN
esutjss-292	161	3	reduces	reduce	VERB
esutjss-292	161	4	transaction	transaction	NOUN
esutjss-292	161	5	processing	processing	NOUN
esutjss-292	161	6	time	time	NOUN
esutjss-292	161	7	12	12	NUM
esutjss-292	161	8	(	(	PUNCT
esutjss-292	161	9	3.2	3.2	NUM
esutjss-292	161	10	%	%	NOUN
esutjss-292	161	11	)	)	PUNCT
esutjss-292	161	12	18	18	NUM
esutjss-292	161	13	(	(	PUNCT
esutjss-292	161	14	4.8	4.8	NUM
esutjss-292	161	15	%	%	NOUN
esutjss-292	161	16	)	)	PUNCT
esutjss-292	161	17	29	29	NUM
esutjss-292	161	18	(	(	PUNCT
esutjss-292	161	19	7.7	7.7	NUM
esutjss-292	161	20	%	%	NOUN
esutjss-292	161	21	)	)	PUNCT
esutjss-292	161	22	168	168	NUM
esutjss-292	161	23	(	(	PUNCT
esutjss-292	161	24	44.8	44.8	NUM
esutjss-292	161	25	%	%	NOUN
esutjss-292	161	26	)	)	PUNCT
esutjss-292	161	27	148	148	NUM
esutjss-292	161	28	(	(	PUNCT
esutjss-292	161	29	39.5	39.5	NUM
esutjss-292	161	30	%	%	NOUN
esutjss-292	161	31	)	)	PUNCT
esutjss-292	161	32	4.13	4.13	NUM
esutjss-292	161	33	0.94	0.94	NUM
esutjss-292	161	34	mps	mp	NOUN
esutjss-292	161	35	improves	improve	VERB
esutjss-292	161	36	cash	cash	NOUN
esutjss-292	161	37	flow	flow	NOUN
esutjss-292	161	38	management	management	NOUN
esutjss-292	161	39	15	15	NUM
esutjss-292	161	40	(	(	PUNCT
esutjss-292	161	41	4.0	4.0	NUM
esutjss-292	161	42	%	%	NOUN
esutjss-292	161	43	)	)	PUNCT
esutjss-292	161	44	22	22	NUM
esutjss-292	161	45	(	(	PUNCT
esutjss-292	161	46	5.9	5.9	NUM
esutjss-292	161	47	%	%	NOUN
esutjss-292	161	48	)	)	PUNCT
esutjss-292	161	49	35	35	NUM
esutjss-292	161	50	(	(	PUNCT
esutjss-292	161	51	9.3	9.3	NUM
esutjss-292	161	52	%	%	NOUN
esutjss-292	161	53	)	)	PUNCT
esutjss-292	161	54	172	172	NUM
esutjss-292	161	55	(	(	PUNCT
esutjss-292	161	56	45.9	45.9	NUM
esutjss-292	161	57	%	%	NOUN
esutjss-292	161	58	)	)	PUNCT
esutjss-292	161	59	131	131	NUM
esutjss-292	161	60	(	(	PUNCT
esutjss-292	161	61	34.9	34.9	NUM
esutjss-292	161	62	%	%	NOUN
esutjss-292	161	63	)	)	PUNCT
esutjss-292	161	64	4.02	4.02	NUM
esutjss-292	161	65	0.98	0.98	NUM
esutjss-292	161	66	mps	mp	NOUN
esutjss-292	161	67	reduces	reduce	VERB
esutjss-292	161	68	transaction	transaction	NOUN
esutjss-292	161	69	costs	cost	VERB
esutjss-292	161	70	18	18	NUM
esutjss-292	161	71	(	(	PUNCT
esutjss-292	161	72	4.8	4.8	NUM
esutjss-292	161	73	%	%	NOUN
esutjss-292	161	74	)	)	PUNCT
esutjss-292	161	75	28	28	NUM
esutjss-292	161	76	(	(	PUNCT
esutjss-292	161	77	7.5	7.5	NUM
esutjss-292	161	78	%	%	NOUN
esutjss-292	161	79	)	)	PUNCT
esutjss-292	161	80	42	42	NUM
esutjss-292	161	81	(	(	PUNCT
esutjss-292	161	82	11.2	11.2	NUM
esutjss-292	161	83	%	%	NOUN
esutjss-292	161	84	)	)	PUNCT
esutjss-292	161	85	154	154	NUM
esutjss-292	161	86	(	(	PUNCT
esutjss-292	161	87	41.1	41.1	NUM
esutjss-292	161	88	%	%	NOUN
esutjss-292	161	89	)	)	PUNCT
esutjss-292	161	90	133	133	NUM
esutjss-292	161	91	(	(	PUNCT
esutjss-292	161	92	35.5	35.5	NUM
esutjss-292	161	93	%	%	NOUN
esutjss-292	161	94	)	)	PUNCT
esutjss-292	161	95	3.95	3.95	NUM
esutjss-292	161	96	1.04	1.04	NUM
esutjss-292	161	97	mps	mp	NOUN
esutjss-292	161	98	enhances	enhance	VERB
esutjss-292	161	99	record	record	NOUN
esutjss-292	161	100	keeping	keeping	NOUN
esutjss-292	161	101	accuracy	accuracy	NOUN
esutjss-292	161	102	14	14	NUM
esutjss-292	161	103	(	(	PUNCT
esutjss-292	161	104	3.7	3.7	NUM
esutjss-292	161	105	%	%	NOUN
esutjss-292	161	106	)	)	PUNCT
esutjss-292	161	107	20	20	NUM
esutjss-292	161	108	(	(	PUNCT
esutjss-292	161	109	5.3	5.3	NUM
esutjss-292	161	110	%	%	NOUN
esutjss-292	161	111	)	)	PUNCT
esutjss-292	161	112	38	38	NUM
esutjss-292	161	113	(	(	PUNCT
esutjss-292	161	114	10.1	10.1	NUM
esutjss-292	161	115	%	%	NOUN
esutjss-292	161	116	)	)	PUNCT
esutjss-292	161	117	178	178	NUM
esutjss-292	161	118	(	(	PUNCT
esutjss-292	161	119	47.5	47.5	NUM
esutjss-292	161	120	%	%	NOUN
esutjss-292	161	121	)	)	PUNCT
esutjss-292	161	122	125	125	NUM
esutjss-292	161	123	(	(	PUNCT
esutjss-292	161	124	33.3	33.3	NUM
esutjss-292	161	125	%	%	NOUN
esutjss-292	161	126	)	)	PUNCT
esutjss-292	161	127	4.01	4.01	NUM
esutjss-292	161	128	0.95	0.95	NUM
esutjss-292	161	129	mps	mp	NOUN
esutjss-292	161	130	improves	improve	VERB
esutjss-292	161	131	financial	financial	ADJ
esutjss-292	161	132	planning	planning	NOUN
esutjss-292	161	133	capability	capability	NOUN
esutjss-292	161	134	16	16	NUM
esutjss-292	161	135	(	(	PUNCT
esutjss-292	161	136	4.3	4.3	NUM
esutjss-292	161	137	%	%	NOUN
esutjss-292	161	138	)	)	PUNCT
esutjss-292	161	139	26	26	NUM
esutjss-292	161	140	(	(	PUNCT
esutjss-292	161	141	6.9	6.9	NUM
esutjss-292	161	142	%	%	NOUN
esutjss-292	161	143	)	)	PUNCT
esutjss-292	161	144	48	48	NUM
esutjss-292	161	145	(	(	PUNCT
esutjss-292	161	146	12.8	12.8	NUM
esutjss-292	161	147	%	%	NOUN
esutjss-292	161	148	)	)	PUNCT
esutjss-292	161	149	159	159	NUM
esutjss-292	161	150	(	(	PUNCT
esutjss-292	161	151	42.4	42.4	NUM
esutjss-292	161	152	%	%	NOUN
esutjss-292	161	153	)	)	PUNCT
esutjss-292	161	154	126	126	NUM
esutjss-292	161	155	(	(	PUNCT
esutjss-292	161	156	33.6	33.6	NUM
esutjss-292	161	157	%	%	NOUN
esutjss-292	161	158	)	)	PUNCT
esutjss-292	161	159	3.94	3.94	NUM
esutjss-292	161	160	1.01	1.01	NUM
esutjss-292	161	161	source	source	NOUN
esutjss-292	161	162	:	:	PUNCT
esutjss-292	161	163	field	field	NOUN
esutjss-292	161	164	survey	survey	NOUN
esutjss-292	161	165	(	(	PUNCT
esutjss-292	161	166	2024	2024	NUM
esutjss-292	161	167	)	)	PUNCT
esutjss-292	161	168	the	the	DET
esutjss-292	161	169	impact	impact	NOUN
esutjss-292	161	170	of	of	ADP
esutjss-292	161	171	mobile	mobile	ADJ
esutjss-292	161	172	payment	payment	NOUN
esutjss-292	161	173	systems	system	NOUN
esutjss-292	161	174	on	on	ADP
esutjss-292	161	175	financial	financial	ADJ
esutjss-292	161	176	management	management	NOUN
esutjss-292	161	177	analysis	analysis	NOUN
esutjss-292	161	178	indicates	indicate	VERB
esutjss-292	161	179	that	that	SCONJ
esutjss-292	161	180	there	there	PRON
esutjss-292	161	181	are	be	VERB
esutjss-292	161	182	always	always	ADV
esutjss-292	161	183	positive	positive	ADJ
esutjss-292	161	184	attitudes	attitude	NOUN
esutjss-292	161	185	among	among	ADP
esutjss-292	161	186	sme	sme	NOUN
esutjss-292	161	187	respondents	respondent	NOUN
esutjss-292	161	188	.	.	PUNCT
esutjss-292	162	1	the	the	DET
esutjss-292	162	2	highest	highest	ADV
esutjss-292	162	3	-	-	PUNCT
esutjss-292	162	4	rated	rate	VERB
esutjss-292	162	5	benefit	benefit	NOUN
esutjss-292	162	6	was	be	AUX
esutjss-292	162	7	transaction	transaction	NOUN
esutjss-292	162	8	processing	processing	NOUN
esutjss-292	162	9	time	time	NOUN
esutjss-292	162	10	reduction	reduction	NOUN
esutjss-292	162	11	(	(	PUNCT
esutjss-292	162	12	mean	mean	NOUN
esutjss-292	162	13	=	=	SYM
esutjss-292	162	14	4.13	4.13	NUM
esutjss-292	162	15	)	)	PUNCT
esutjss-292	162	16	,	,	PUNCT
esutjss-292	162	17	with	with	ADP
esutjss-292	162	18	84.3	84.3	NUM
esutjss-292	162	19	%	%	NOUN
esutjss-292	162	20	of	of	ADP
esutjss-292	162	21	respondents	respondent	NOUN
esutjss-292	162	22	agreeing	agree	VERB
esutjss-292	162	23	or	or	CCONJ
esutjss-292	162	24	strongly	strongly	ADV
esutjss-292	162	25	agreeing	agree	VERB
esutjss-292	162	26	that	that	SCONJ
esutjss-292	162	27	mobile	mobile	ADJ
esutjss-292	162	28	payment	payment	NOUN
esutjss-292	162	29	systems	system	NOUN
esutjss-292	162	30	reduce	reduce	VERB
esutjss-292	162	31	the	the	DET
esutjss-292	162	32	time	time	NOUN
esutjss-292	162	33	required	require	VERB
esutjss-292	162	34	to	to	PART
esutjss-292	162	35	complete	complete	VERB
esutjss-292	162	36	transactions	transaction	NOUN
esutjss-292	162	37	.	.	PUNCT
esutjss-292	163	1	this	this	DET
esutjss-292	163	2	observation	observation	NOUN
esutjss-292	163	3	conforms	conform	VERB
esutjss-292	163	4	to	to	ADP
esutjss-292	163	5	postulated	postulate	VERB
esutjss-292	163	6	advantages	advantage	NOUN
esutjss-292	163	7	of	of	ADP
esutjss-292	163	8	digital	digital	ADJ
esutjss-292	163	9	payment	payment	NOUN
esutjss-292	163	10	solutions	solution	NOUN
esutjss-292	163	11	and	and	CCONJ
esutjss-292	163	12	indicates	indicate	VERB
esutjss-292	163	13	that	that	SCONJ
esutjss-292	163	14	smes	sme	NOUN
esutjss-292	163	15	are	be	AUX
esutjss-292	163	16	enjoying	enjoy	VERB
esutjss-292	163	17	real	real	ADJ
esutjss-292	163	18	efficiency	efficiency	NOUN
esutjss-292	163	19	returns	return	NOUN
esutjss-292	163	20	on	on	ADP
esutjss-292	163	21	adoption	adoption	NOUN
esutjss-292	163	22	.	.	PUNCT
esutjss-292	164	1	there	there	PRON
esutjss-292	164	2	was	be	VERB
esutjss-292	164	3	high	high	ADJ
esutjss-292	164	4	support	support	NOUN
esutjss-292	164	5	in	in	ADP
esutjss-292	164	6	the	the	DET
esutjss-292	164	7	management	management	NOUN
esutjss-292	164	8	improvement	improvement	NOUN
esutjss-292	164	9	of	of	ADP
esutjss-292	164	10	cash	cash	NOUN
esutjss-292	164	11	flow	flow	NOUN
esutjss-292	164	12	(	(	PUNCT
esutjss-292	164	13	mean	mean	NOUN
esutjss-292	164	14	=	=	SYM
esutjss-292	164	15	4.02	4.02	NUM
esutjss-292	164	16	)	)	PUNCT
esutjss-292	164	17	with	with	ADP
esutjss-292	164	18	80.8	80.8	NUM
esutjss-292	164	19	percentage	percentage	NOUN
esutjss-292	164	20	agreeing	agree	VERB
esutjss-292	164	21	that	that	SCONJ
esutjss-292	164	22	the	the	DET
esutjss-292	164	23	mobile	mobile	ADJ
esutjss-292	164	24	payment	payment	NOUN
esutjss-292	164	25	systems	system	NOUN
esutjss-292	164	26	are	be	AUX
esutjss-292	164	27	assisting	assist	VERB
esutjss-292	164	28	smes	sme	NOUN
esutjss-292	164	29	to	to	PART
esutjss-292	164	30	manage	manage	VERB
esutjss-292	164	31	the	the	DET
esutjss-292	164	32	working	work	VERB
esutjss-292	164	33	capital	capital	NOUN
esutjss-292	164	34	better	well	ADV
esutjss-292	164	35	by	by	ADP
esutjss-292	164	36	accelerating	accelerate	VERB
esutjss-292	164	37	the	the	DET
esutjss-292	164	38	payment	payment	NOUN
esutjss-292	164	39	process	process	NOUN
esutjss-292	164	40	and	and	CCONJ
esutjss-292	164	41	providing	provide	VERB
esutjss-292	164	42	better	well	ADJ
esutjss-292	164	43	cash	cash	NOUN
esutjss-292	164	44	clarity	clarity	NOUN
esutjss-292	164	45	.	.	PUNCT
esutjss-292	165	1	record	record	NOUN
esutjss-292	165	2	-	-	PUNCT
esutjss-292	165	3	keeping	keep	VERB
esutjss-292	165	4	accuracy	accuracy	NOUN
esutjss-292	165	5	enhancement	enhancement	NOUN
esutjss-292	165	6	(	(	PUNCT
esutjss-292	165	7	mean	mean	NOUN
esutjss-292	165	8	=	=	SYM
esutjss-292	165	9	4.01	4.01	NUM
esutjss-292	165	10	)	)	PUNCT
esutjss-292	165	11	also	also	ADV
esutjss-292	165	12	received	receive	VERB
esutjss-292	165	13	high	high	ADJ
esutjss-292	165	14	ratings	rating	NOUN
esutjss-292	165	15	,	,	PUNCT
esutjss-292	165	16	suggesting	suggest	VERB
esutjss-292	165	17	that	that	SCONJ
esutjss-292	165	18	the	the	DET
esutjss-292	165	19	automatic	automatic	ADJ
esutjss-292	165	20	transaction	transaction	NOUN
esutjss-292	165	21	logging	log	VERB
esutjss-292	165	22	features	feature	NOUN
esutjss-292	165	23	of	of	ADP
esutjss-292	165	24	mobile	mobile	ADJ
esutjss-292	165	25	payment	payment	NOUN
esutjss-292	165	26	systems	system	NOUN
esutjss-292	165	27	are	be	AUX
esutjss-292	165	28	addressing	address	VERB
esutjss-292	165	29	traditional	traditional	ADJ
esutjss-292	165	30	challenges	challenge	NOUN
esutjss-292	165	31	with	with	ADP
esutjss-292	165	32	manual	manual	ADJ
esutjss-292	165	33	record	record	NOUN
esutjss-292	165	34	-	-	PUNCT
esutjss-292	165	35	keeping	keeping	NOUN
esutjss-292	165	36	among	among	ADP
esutjss-292	165	37	smes	sme	NOUN
esutjss-292	165	38	.	.	PUNCT
esutjss-292	166	1	less	less	ADV
esutjss-292	166	2	positive	positive	ADJ
esutjss-292	166	3	,	,	PUNCT
esutjss-292	166	4	but	but	CCONJ
esutjss-292	166	5	still	still	ADV
esutjss-292	166	6	positive	positive	ADJ
esutjss-292	166	7	,	,	PUNCT
esutjss-292	166	8	ratings	rating	NOUN
esutjss-292	166	9	were	be	AUX
esutjss-292	166	10	given	give	VERB
esutjss-292	166	11	to	to	ADP
esutjss-292	166	12	transaction	transaction	NOUN
esutjss-292	166	13	cost	cost	NOUN
esutjss-292	166	14	reduction	reduction	NOUN
esutjss-292	166	15	(	(	PUNCT
esutjss-292	166	16	mean	mean	NOUN
esutjss-292	166	17	=	=	SYM
esutjss-292	166	18	3.95	3.95	NUM
esutjss-292	166	19	)	)	PUNCT
esutjss-292	166	20	and	and	CCONJ
esutjss-292	166	21	improvement	improvement	NOUN
esutjss-292	166	22	of	of	ADP
esutjss-292	166	23	financial	financial	ADJ
esutjss-292	166	24	planning	planning	NOUN
esutjss-292	166	25	capabilities	capability	NOUN
esutjss-292	166	26	(	(	PUNCT
esutjss-292	166	27	mean	mean	NOUN
esutjss-292	166	28	=	=	SYM
esutjss-292	166	29	3.94	3.94	NUM
esutjss-292	166	30	)	)	PUNCT
esutjss-292	166	31	;	;	PUNCT
esutjss-292	166	32	the	the	DET
esutjss-292	166	33	smes	sme	NOUN
esutjss-292	166	34	in	in	ADP
esutjss-292	166	35	question	question	NOUN
esutjss-292	166	36	find	find	VERB
esutjss-292	166	37	both	both	CCONJ
esutjss-292	166	38	direct	direct	ADJ
esutjss-292	166	39	cost	cost	NOUN
esutjss-292	166	40	benefits	benefit	NOUN
esutjss-292	166	41	and	and	CCONJ
esutjss-292	166	42	strategic	strategic	ADJ
esutjss-292	166	43	planning	planning	NOUN
esutjss-292	166	44	benefits	benefit	NOUN
esutjss-292	166	45	of	of	ADP
esutjss-292	166	46	mobile	mobile	ADJ
esutjss-292	166	47	payment	payment	NOUN
esutjss-292	166	48	adoption	adoption	NOUN
esutjss-292	166	49	.	.	PUNCT
esutjss-292	167	1	the	the	DET
esutjss-292	167	2	standard	standard	ADJ
esutjss-292	167	3	deviations	deviation	NOUN
esutjss-292	167	4	in	in	ADP
esutjss-292	167	5	all	all	DET
esutjss-292	167	6	items	item	NOUN
esutjss-292	167	7	are	be	AUX
esutjss-292	167	8	relatively	relatively	ADV
esutjss-292	167	9	low	low	ADJ
esutjss-292	167	10	implying	implying	ADJ
esutjss-292	167	11	that	that	SCONJ
esutjss-292	167	12	there	there	PRON
esutjss-292	167	13	are	be	VERB
esutjss-292	167	14	standard	standard	ADJ
esutjss-292	167	15	perceptions	perception	NOUN
esutjss-292	167	16	of	of	ADP
esutjss-292	167	17	respondents	respondent	NOUN
esutjss-292	167	18	to	to	ADP
esutjss-292	167	19	these	these	DET
esutjss-292	167	20	benefits	benefit	NOUN
esutjss-292	167	21	.	.	PUNCT
esutjss-292	168	1	296	296	NUM
esutjss-292	168	2	digital	digital	ADJ
esutjss-292	168	3	lending	lending	NOUN
esutjss-292	168	4	platforms	platform	NOUN
esutjss-292	168	5	and	and	CCONJ
esutjss-292	168	6	business	business	NOUN
esutjss-292	168	7	performance	performance	NOUN
esutjss-292	168	8	hypothesis	hypothesis	NOUN
esutjss-292	168	9	testing	testing	NOUN
esutjss-292	168	10	hypothesis	hypothesis	NOUN
esutjss-292	168	11	one	one	NUM
esutjss-292	168	12	:	:	PUNCT
esutjss-292	168	13	mobile	mobile	ADJ
esutjss-292	168	14	payment	payment	NOUN
esutjss-292	168	15	systems	system	NOUN
esutjss-292	168	16	and	and	CCONJ
esutjss-292	168	17	financial	financial	ADJ
esutjss-292	168	18	management	management	NOUN
esutjss-292	168	19	efficiency	efficiency	NOUN
esutjss-292	168	20	table	table	NOUN
esutjss-292	168	21	6	6	NUM
esutjss-292	168	22	:	:	PUNCT
esutjss-292	168	23	regression	regression	VERB
esutjss-292	168	24	analysis	analysis	NOUN
esutjss-292	168	25	mobile	mobile	ADJ
esutjss-292	168	26	payment	payment	NOUN
esutjss-292	168	27	systems	system	NOUN
esutjss-292	168	28	and	and	CCONJ
esutjss-292	168	29	financial	financial	ADJ
esutjss-292	168	30	management	management	NOUN
esutjss-292	168	31	efficiency	efficiency	NOUN
esutjss-292	168	32	model	model	NOUN
esutjss-292	168	33	summary	summary	NOUN
esutjss-292	168	34	model	model	NOUN
esutjss-292	168	35	r	r	PROPN
esutjss-292	168	36	r	r	NOUN
esutjss-292	168	37	square	square	ADJ
esutjss-292	168	38	adjusted	adjust	VERB
esutjss-292	168	39	r	r	NOUN
esutjss-292	168	40	square	square	ADJ
esutjss-292	168	41	std	std	NOUN
esutjss-292	168	42	.	.	PUNCT
esutjss-292	169	1	error	error	NOUN
esutjss-292	169	2	of	of	ADP
esutjss-292	169	3	estimate	estimate	NOUN
esutjss-292	169	4	1	1	NUM
esutjss-292	169	5	.851ᵃ	.851ᵃ	PROPN
esutjss-292	169	6	.724	.724	NUM
esutjss-292	169	7	.723	.723	NUM
esutjss-292	169	8	6.8492	6.8492	NUM
esutjss-292	169	9	anova	anova	PROPN
esutjss-292	169	10	model	model	NOUN
esutjss-292	169	11	sum	sum	NOUN
esutjss-292	169	12	of	of	ADP
esutjss-292	169	13	squares	square	NOUN
esutjss-292	169	14	df	df	PROPN
esutjss-292	169	15	mean	mean	PROPN
esutjss-292	169	16	square	square	PROPN
esutjss-292	169	17	f	f	PROPN
esutjss-292	169	18	sig	sig	PROPN
esutjss-292	169	19	.	.	PUNCT
esutjss-292	170	1	regression	regression	VERB
esutjss-292	170	2	46,789.234	46,789.234	ADJ
esutjss-292	170	3	1	1	NUM
esutjss-292	170	4	46,789.234	46,789.234	PROPN
esutjss-292	170	5	997.421	997.421	NUM
esutjss-292	170	6	.000ᵇ	.000ᵇ	PUNCT
esutjss-292	170	7	residual	residual	ADJ
esutjss-292	170	8	17,512.766	17,512.766	NUM
esutjss-292	170	9	373	373	NUM
esutjss-292	170	10	46.944	46.944	NUM
esutjss-292	170	11	total	total	NOUN
esutjss-292	170	12	64,302.000	64,302.000	NUM
esutjss-292	170	13	374	374	NUM
esutjss-292	170	14	coefficients	coefficient	NOUN
esutjss-292	170	15	model	model	NOUN
esutjss-292	170	16	unstandardized	unstandardized	ADJ
esutjss-292	170	17	coefficients	coefficient	NOUN
esutjss-292	170	18	standardized	standardize	VERB
esutjss-292	170	19	coefficients	coefficient	NOUN
esutjss-292	170	20	t	t	PROPN
esutjss-292	170	21	sig	sig	PROPN
esutjss-292	170	22	.	.	PUNCT
esutjss-292	171	1	b	b	X
esutjss-292	171	2	std	std	PROPN
esutjss-292	171	3	.	.	NOUN
esutjss-292	171	4	error	error	NOUN
esutjss-292	171	5	beta	beta	NOUN
esutjss-292	171	6	(	(	PUNCT
esutjss-292	171	7	constant	constant	ADJ
esutjss-292	171	8	)	)	PUNCT
esutjss-292	171	9	12.458	12.458	NUM
esutjss-292	171	10	1.247	1.247	NUM
esutjss-292	171	11	9.988	9.988	NUM
esutjss-292	171	12	.000	.000	NUM
esutjss-292	171	13	mobile	mobile	ADJ
esutjss-292	171	14	payment	payment	NOUN
esutjss-292	171	15	systems	system	NOUN
esutjss-292	171	16	1.832	1.832	NUM
esutjss-292	171	17	.058	.058	NUM
esutjss-292	171	18	.851	.851	NUM
esutjss-292	172	1	31.582	31.582	NUM
esutjss-292	172	2	.000	.000	NUM
esutjss-292	172	3	a.	a.	NOUN
esutjss-292	172	4	predictors	predictor	NOUN
esutjss-292	172	5	:	:	PUNCT
esutjss-292	172	6	(	(	PUNCT
esutjss-292	172	7	constant	constant	ADJ
esutjss-292	172	8	)	)	PUNCT
esutjss-292	172	9	,	,	PUNCT
esutjss-292	172	10	mobile_payment_systems	mobile_payment_systems	PROPN
esutjss-292	172	11	b.	b.	PROPN
esutjss-292	172	12	dependent	dependent	ADJ
esutjss-292	172	13	variable	variable	NOUN
esutjss-292	172	14	:	:	PUNCT
esutjss-292	172	15	financial_management_efficiency	financial_management_efficiency	PROPN
esutjss-292	172	16	the	the	DET
esutjss-292	172	17	regression	regression	NOUN
esutjss-292	172	18	model	model	NOUN
esutjss-292	172	19	shows	show	VERB
esutjss-292	172	20	that	that	SCONJ
esutjss-292	172	21	the	the	DET
esutjss-292	172	22	relationship	relationship	NOUN
esutjss-292	172	23	between	between	ADP
esutjss-292	172	24	the	the	DET
esutjss-292	172	25	adoption	adoption	NOUN
esutjss-292	172	26	of	of	ADP
esutjss-292	172	27	mobile	mobile	ADJ
esutjss-292	172	28	payment	payment	NOUN
esutjss-292	172	29	system	system	NOUN
esutjss-292	172	30	and	and	CCONJ
esutjss-292	172	31	financial	financial	ADJ
esutjss-292	172	32	management	management	NOUN
esutjss-292	172	33	efficiency	efficiency	NOUN
esutjss-292	172	34	is	be	AUX
esutjss-292	172	35	significant	significant	ADJ
esutjss-292	172	36	and	and	CCONJ
esutjss-292	172	37	positive	positive	ADJ
esutjss-292	172	38	,	,	PUNCT
esutjss-292	172	39	yet	yet	CCONJ
esutjss-292	172	40	statistically	statistically	ADV
esutjss-292	172	41	significant	significant	ADJ
esutjss-292	172	42	.	.	PUNCT
esutjss-292	173	1	correlation	correlation	NOUN
esutjss-292	173	2	coefficient	coefficient	NOUN
esutjss-292	173	3	(	(	PUNCT
esutjss-292	173	4	r	r	NOUN
esutjss-292	173	5	=	=	SYM
esutjss-292	173	6	0.851	0.851	NUM
esutjss-292	173	7	)	)	PUNCT
esutjss-292	173	8	shows	show	VERB
esutjss-292	173	9	that	that	SCONJ
esutjss-292	173	10	the	the	DET
esutjss-292	173	11	relationship	relationship	NOUN
esutjss-292	173	12	between	between	ADP
esutjss-292	173	13	the	the	DET
esutjss-292	173	14	two	two	NUM
esutjss-292	173	15	variables	variable	NOUN
esutjss-292	173	16	is	be	AUX
esutjss-292	173	17	very	very	ADV
esutjss-292	173	18	strong	strong	ADJ
esutjss-292	173	19	and	and	CCONJ
esutjss-292	173	20	positive	positive	ADJ
esutjss-292	173	21	.	.	PUNCT
esutjss-292	174	1	the	the	DET
esutjss-292	174	2	r²	r²	NOUN
esutjss-292	174	3	value	value	NOUN
esutjss-292	174	4	of	of	ADP
esutjss-292	174	5	0.724	0.724	NUM
esutjss-292	174	6	reveals	reveal	VERB
esutjss-292	174	7	that	that	SCONJ
esutjss-292	174	8	mobile	mobile	ADJ
esutjss-292	174	9	payment	payment	NOUN
esutjss-292	174	10	systems	system	NOUN
esutjss-292	174	11	explain	explain	VERB
esutjss-292	174	12	72.4	72.4	NUM
esutjss-292	174	13	%	%	NOUN
esutjss-292	174	14	of	of	ADP
esutjss-292	174	15	the	the	DET
esutjss-292	174	16	variance	variance	NOUN
esutjss-292	174	17	in	in	ADP
esutjss-292	174	18	financial	financial	ADJ
esutjss-292	174	19	management	management	NOUN
esutjss-292	174	20	efficiency	efficiency	NOUN
esutjss-292	174	21	among	among	ADP
esutjss-292	174	22	smes	sme	NOUN
esutjss-292	174	23	in	in	ADP
esutjss-292	174	24	ilorin	ilorin	NOUN
esutjss-292	174	25	.	.	PUNCT
esutjss-292	175	1	the	the	DET
esutjss-292	175	2	f	f	NOUN
esutjss-292	175	3	-	-	PUNCT
esutjss-292	175	4	statistic	statistic	NOUN
esutjss-292	175	5	(	(	PUNCT
esutjss-292	175	6	997.421	997.421	NUM
esutjss-292	175	7	,	,	PUNCT
esutjss-292	175	8	p	p	X
esutjss-292	175	9	<	<	X
esutjss-292	175	10	0.001	0.001	NUM
esutjss-292	175	11	)	)	PUNCT
esutjss-292	175	12	shows	show	VERB
esutjss-292	175	13	that	that	SCONJ
esutjss-292	175	14	the	the	DET
esutjss-292	175	15	regression	regression	NOUN
esutjss-292	175	16	model	model	NOUN
esutjss-292	175	17	is	be	AUX
esutjss-292	175	18	significant	significant	ADJ
esutjss-292	175	19	,	,	PUNCT
esutjss-292	175	20	and	and	CCONJ
esutjss-292	175	21	the	the	DET
esutjss-292	175	22	relationship	relationship	NOUN
esutjss-292	175	23	that	that	PRON
esutjss-292	175	24	is	be	AUX
esutjss-292	175	25	witnessed	witness	VERB
esutjss-292	175	26	is	be	AUX
esutjss-292	175	27	not	not	PART
esutjss-292	175	28	a	a	DET
esutjss-292	175	29	result	result	NOUN
esutjss-292	175	30	of	of	ADP
esutjss-292	175	31	chance	chance	NOUN
esutjss-292	175	32	.	.	PUNCT
esutjss-292	176	1	the	the	DET
esutjss-292	176	2	regression	regression	NOUN
esutjss-292	176	3	coefficient	coefficient	NOUN
esutjss-292	176	4	(	(	PUNCT
esutjss-292	176	5	b	b	NOUN
esutjss-292	176	6	=	=	SYM
esutjss-292	176	7	1.832	1.832	NUM
esutjss-292	176	8	)	)	PUNCT
esutjss-292	176	9	suggests	suggest	VERB
esutjss-292	176	10	that	that	SCONJ
esutjss-292	176	11	for	for	ADP
esutjss-292	176	12	every	every	DET
esutjss-292	176	13	one	one	NUM
esutjss-292	176	14	-	-	PUNCT
esutjss-292	176	15	unit	unit	NOUN
esutjss-292	176	16	increase	increase	NOUN
esutjss-292	176	17	in	in	ADP
esutjss-292	176	18	mobile	mobile	ADJ
esutjss-292	176	19	payment	payment	NOUN
esutjss-292	176	20	systems	system	NOUN
esutjss-292	176	21	adoption	adoption	NOUN
esutjss-292	176	22	,	,	PUNCT
esutjss-292	176	23	financial	financial	ADJ
esutjss-292	176	24	management	management	NOUN
esutjss-292	176	25	efficiency	efficiency	NOUN
esutjss-292	176	26	increases	increase	NOUN
esutjss-292	176	27	by	by	ADP
esutjss-292	176	28	1.832	1.832	NUM
esutjss-292	176	29	units	unit	NOUN
esutjss-292	176	30	.	.	PUNCT
esutjss-292	177	1	the	the	DET
esutjss-292	177	2	magnitude	magnitude	NOUN
esutjss-292	177	3	of	of	ADP
esutjss-292	177	4	the	the	DET
esutjss-292	177	5	effect	effect	NOUN
esutjss-292	177	6	size	size	NOUN
esutjss-292	177	7	is	be	AUX
esutjss-292	177	8	very	very	ADV
esutjss-292	177	9	large	large	ADJ
esutjss-292	177	10	as	as	SCONJ
esutjss-292	177	11	demonstrated	demonstrate	VERB
esutjss-292	177	12	by	by	ADP
esutjss-292	177	13	the	the	DET
esutjss-292	177	14	standardized	standardized	ADJ
esutjss-292	177	15	coefficient	coefficient	NOUN
esutjss-292	177	16	(=	(=	PUNCT
esutjss-292	177	17	0.851	0.851	NUM
esutjss-292	177	18	)	)	PUNCT
esutjss-292	177	19	,	,	PUNCT
esutjss-292	177	20	and	and	CCONJ
esutjss-292	177	21	this	this	PRON
esutjss-292	177	22	proves	prove	VERB
esutjss-292	177	23	the	the	DET
esutjss-292	177	24	significant	significant	ADJ
esutjss-292	177	25	role	role	NOUN
esutjss-292	177	26	of	of	ADP
esutjss-292	177	27	mobile	mobile	ADJ
esutjss-292	177	28	payment	payment	NOUN
esutjss-292	177	29	systems	system	NOUN
esutjss-292	177	30	in	in	ADP
esutjss-292	177	31	improving	improve	VERB
esutjss-292	177	32	efficiency	efficiency	NOUN
esutjss-292	177	33	in	in	ADP
esutjss-292	177	34	financial	financial	ADJ
esutjss-292	177	35	management	management	NOUN
esutjss-292	177	36	.	.	PUNCT
esutjss-292	178	1	based	base	VERB
esutjss-292	178	2	on	on	ADP
esutjss-292	178	3	these	these	DET
esutjss-292	178	4	results	result	NOUN
esutjss-292	178	5	,	,	PUNCT
esutjss-292	178	6	the	the	DET
esutjss-292	178	7	null	null	ADJ
esutjss-292	178	8	hypothesis	hypothesis	NOUN
esutjss-292	178	9	(	(	PUNCT
esutjss-292	178	10	h₀₁	h₀₁	PROPN
esutjss-292	178	11	)	)	PUNCT
esutjss-292	178	12	is	be	AUX
esutjss-292	178	13	rejected	reject	VERB
esutjss-292	178	14	,	,	PUNCT
esutjss-292	178	15	and	and	CCONJ
esutjss-292	178	16	we	we	PRON
esutjss-292	178	17	conclude	conclude	VERB
esutjss-292	178	18	that	that	SCONJ
esutjss-292	178	19	mobile	mobile	ADJ
esutjss-292	178	20	payment	payment	NOUN
esutjss-292	178	21	systems	system	NOUN
esutjss-292	178	22	adoption	adoption	NOUN
esutjss-292	178	23	has	have	VERB
esutjss-292	178	24	a	a	DET
esutjss-292	178	25	significant	significant	ADJ
esutjss-292	178	26	positive	positive	ADJ
esutjss-292	178	27	effect	effect	NOUN
esutjss-292	178	28	on	on	ADP
esutjss-292	178	29	financial	financial	ADJ
esutjss-292	178	30	management	management	NOUN
esutjss-292	178	31	efficiency	efficiency	NOUN
esutjss-292	178	32	of	of	ADP
esutjss-292	178	33	smes	sme	NOUN
esutjss-292	178	34	in	in	ADP
esutjss-292	178	35	ilorin	ilorin	PROPN
esutjss-292	178	36	,	,	PUNCT
esutjss-292	178	37	nigeria	nigeria	PROPN
esutjss-292	178	38	.	.	PUNCT
esutjss-292	179	1	297	297	NUM
esutjss-292	179	2	hypothesis	hypothesis	NOUN
esutjss-292	179	3	two	two	NUM
esutjss-292	179	4	:	:	PUNCT
esutjss-292	179	5	digital	digital	ADJ
esutjss-292	179	6	lending	lending	NOUN
esutjss-292	179	7	platforms	platform	NOUN
esutjss-292	179	8	and	and	CCONJ
esutjss-292	179	9	business	business	NOUN
esutjss-292	179	10	performance	performance	NOUN
esutjss-292	179	11	table	table	NOUN
esutjss-292	179	12	7	7	NUM
esutjss-292	179	13	:	:	PUNCT
esutjss-292	179	14	regression	regression	VERB
esutjss-292	179	15	analysis	analysis	NOUN
esutjss-292	179	16	digital	digital	ADJ
esutjss-292	179	17	lending	lending	NOUN
esutjss-292	179	18	platforms	platform	NOUN
esutjss-292	179	19	and	and	CCONJ
esutjss-292	179	20	business	business	NOUN
esutjss-292	179	21	performance	performance	NOUN
esutjss-292	179	22	model	model	NOUN
esutjss-292	179	23	summary	summary	NOUN
esutjss-292	179	24	model	model	NOUN
esutjss-292	179	25	r	r	PROPN
esutjss-292	179	26	r	r	NOUN
esutjss-292	179	27	square	square	ADJ
esutjss-292	179	28	adjusted	adjust	VERB
esutjss-292	179	29	r	r	NOUN
esutjss-292	179	30	square	square	ADJ
esutjss-292	179	31	std	std	NOUN
esutjss-292	179	32	.	.	PUNCT
esutjss-292	180	1	error	error	NOUN
esutjss-292	180	2	of	of	ADP
esutjss-292	180	3	estimate	estimate	NOUN
esutjss-292	180	4	1	1	NUM
esutjss-292	180	5	.826ᵃ	.826ᵃ	NOUN
esutjss-292	180	6	.682	.682	NUM
esutjss-292	180	7	.681	.681	NUM
esutjss-292	181	1	8.2147	8.2147	NUM
esutjss-292	181	2	anova	anova	PROPN
esutjss-292	181	3	model	model	PROPN
esutjss-292	181	4	sum	sum	NOUN
esutjss-292	181	5	of	of	ADP
esutjss-292	181	6	squares	square	NOUN
esutjss-292	181	7	df	df	PROPN
esutjss-292	181	8	mean	mean	PROPN
esutjss-292	181	9	square	square	PROPN
esutjss-292	181	10	f	f	PROPN
esutjss-292	181	11	sig	sig	PROPN
esutjss-292	181	12	.	.	PUNCT
esutjss-292	182	1	regression	regression	VERB
esutjss-292	182	2	54,321.789	54,321.789	NUM
esutjss-292	182	3	1	1	NUM
esutjss-292	182	4	54,321.789	54,321.789	NUM
esutjss-292	182	5	805.194	805.194	NUM
esutjss-292	182	6	.000ᵇ	.000ᵇ	PUNCT
esutjss-292	182	7	residual	residual	ADJ
esutjss-292	182	8	25,178.211	25,178.211	NUM
esutjss-292	182	9	373	373	NUM
esutjss-292	182	10	67.524	67.524	NUM
esutjss-292	182	11	total	total	NOUN
esutjss-292	182	12	79,500.000	79,500.000	NUM
esutjss-292	182	13	374	374	NUM
esutjss-292	182	14	coefficients	coefficient	NOUN
esutjss-292	182	15	model	model	NOUN
esutjss-292	182	16	unstandardized	unstandardized	ADJ
esutjss-292	182	17	coefficients	coefficient	NOUN
esutjss-292	182	18	standardized	standardize	VERB
esutjss-292	182	19	coefficients	coefficient	NOUN
esutjss-292	182	20	t	t	PROPN
esutjss-292	182	21	sig	sig	PROPN
esutjss-292	182	22	.	.	PUNCT
esutjss-292	183	1	b	b	X
esutjss-292	183	2	std	std	PROPN
esutjss-292	183	3	.	.	NOUN
esutjss-292	183	4	error	error	NOUN
esutjss-292	183	5	beta	beta	NOUN
esutjss-292	183	6	(	(	PUNCT
esutjss-292	183	7	constant	constant	ADJ
esutjss-292	183	8	)	)	PUNCT
esutjss-292	183	9	15.234	15.234	NUM
esutjss-292	183	10	1.456	1.456	NUM
esutjss-292	183	11	10.462	10.462	NUM
esutjss-292	183	12	.000	.000	NUM
esutjss-292	183	13	digital	digital	ADJ
esutjss-292	183	14	lending	lending	NOUN
esutjss-292	183	15	platforms	platform	NOUN
esutjss-292	183	16	2.145	2.145	NUM
esutjss-292	183	17	.076	.076	NUM
esutjss-292	183	18	.826	.826	NUM
esutjss-292	184	1	28.377	28.377	NUM
esutjss-292	184	2	.000	.000	NUM
esutjss-292	184	3	a.	a.	NOUN
esutjss-292	184	4	predictors	predictor	NOUN
esutjss-292	184	5	:	:	PUNCT
esutjss-292	184	6	(	(	PUNCT
esutjss-292	184	7	constant	constant	ADJ
esutjss-292	184	8	)	)	PUNCT
esutjss-292	184	9	,	,	PUNCT
esutjss-292	184	10	digital_lending_platforms	digital_lending_platforms	PROPN
esutjss-292	184	11	b.	b.	PROPN
esutjss-292	184	12	dependent	dependent	ADJ
esutjss-292	184	13	variable	variable	NOUN
esutjss-292	184	14	:	:	PUNCT
esutjss-292	184	15	business_performance	business_performance	NOUN
esutjss-292	184	16	regression	regression	NOUN
esutjss-292	184	17	analysis	analysis	NOUN
esutjss-292	184	18	indicates	indicate	VERB
esutjss-292	184	19	a	a	DET
esutjss-292	184	20	positive	positive	ADJ
esutjss-292	184	21	and	and	CCONJ
esutjss-292	184	22	strong	strong	ADJ
esutjss-292	184	23	and	and	CCONJ
esutjss-292	184	24	statistically	statistically	ADV
esutjss-292	184	25	significant	significant	ADJ
esutjss-292	184	26	relationship	relationship	NOUN
esutjss-292	184	27	between	between	ADP
esutjss-292	184	28	the	the	DET
esutjss-292	184	29	adoption	adoption	NOUN
esutjss-292	184	30	of	of	ADP
esutjss-292	184	31	digital	digital	ADJ
esutjss-292	184	32	lending	lending	NOUN
esutjss-292	184	33	platforms	platform	NOUN
esutjss-292	184	34	and	and	CCONJ
esutjss-292	184	35	the	the	DET
esutjss-292	184	36	performance	performance	NOUN
esutjss-292	184	37	of	of	ADP
esutjss-292	184	38	the	the	DET
esutjss-292	184	39	business	business	NOUN
esutjss-292	184	40	.	.	PUNCT
esutjss-292	185	1	a	a	DET
esutjss-292	185	2	correlation	correlation	NOUN
esutjss-292	185	3	coefficient	coefficient	NOUN
esutjss-292	185	4	(	(	PUNCT
esutjss-292	185	5	r	r	NOUN
esutjss-292	185	6	=	=	SYM
esutjss-292	185	7	0.826	0.826	NUM
esutjss-292	185	8	)	)	PUNCT
esutjss-292	185	9	shows	show	VERB
esutjss-292	185	10	that	that	SCONJ
esutjss-292	185	11	the	the	DET
esutjss-292	185	12	two	two	NUM
esutjss-292	185	13	variables	variable	NOUN
esutjss-292	185	14	have	have	VERB
esutjss-292	185	15	a	a	DET
esutjss-292	185	16	strong	strong	ADJ
esutjss-292	185	17	positive	positive	ADJ
esutjss-292	185	18	correlation	correlation	NOUN
esutjss-292	185	19	.	.	PUNCT
esutjss-292	186	1	the	the	DET
esutjss-292	186	2	r²	r²	NOUN
esutjss-292	186	3	value	value	NOUN
esutjss-292	186	4	of	of	ADP
esutjss-292	186	5	0.682	0.682	NUM
esutjss-292	186	6	indicates	indicate	VERB
esutjss-292	186	7	that	that	SCONJ
esutjss-292	186	8	digital	digital	ADJ
esutjss-292	186	9	lending	lending	NOUN
esutjss-292	186	10	platforms	platform	NOUN
esutjss-292	186	11	explain	explain	VERB
esutjss-292	186	12	68.2	68.2	NUM
esutjss-292	186	13	%	%	NOUN
esutjss-292	186	14	of	of	ADP
esutjss-292	186	15	the	the	DET
esutjss-292	186	16	variance	variance	NOUN
esutjss-292	186	17	in	in	ADP
esutjss-292	186	18	business	business	NOUN
esutjss-292	186	19	performance	performance	NOUN
esutjss-292	186	20	among	among	ADP
esutjss-292	186	21	smes	sme	NOUN
esutjss-292	186	22	in	in	ADP
esutjss-292	186	23	ilorin	ilorin	NOUN
esutjss-292	186	24	.	.	PUNCT
esutjss-292	187	1	the	the	DET
esutjss-292	187	2	regression	regression	NOUN
esutjss-292	187	3	model	model	NOUN
esutjss-292	187	4	statistical	statistical	ADJ
esutjss-292	187	5	significance	significance	NOUN
esutjss-292	187	6	is	be	AUX
esutjss-292	187	7	verified	verify	VERB
esutjss-292	187	8	by	by	ADP
esutjss-292	187	9	the	the	DET
esutjss-292	187	10	f	f	NOUN
esutjss-292	187	11	-	-	PUNCT
esutjss-292	187	12	statistic	statistic	NOUN
esutjss-292	187	13	(	(	PUNCT
esutjss-292	187	14	805.194	805.194	NUM
esutjss-292	187	15	,	,	PUNCT
esutjss-292	187	16	p	p	X
esutjss-292	187	17	<	<	X
esutjss-292	187	18	0.001	0.001	NUM
esutjss-292	187	19	)	)	PUNCT
esutjss-292	187	20	.	.	PUNCT
esutjss-292	188	1	the	the	DET
esutjss-292	188	2	regression	regression	NOUN
esutjss-292	188	3	coefficient	coefficient	NOUN
esutjss-292	188	4	(	(	PUNCT
esutjss-292	188	5	b	b	NOUN
esutjss-292	188	6	=	=	SYM
esutjss-292	188	7	2.145	2.145	NUM
esutjss-292	188	8	)	)	PUNCT
esutjss-292	188	9	indicates	indicate	VERB
esutjss-292	188	10	that	that	SCONJ
esutjss-292	188	11	for	for	ADP
esutjss-292	188	12	every	every	DET
esutjss-292	188	13	one	one	NUM
esutjss-292	188	14	-	-	PUNCT
esutjss-292	188	15	unit	unit	NOUN
esutjss-292	188	16	increase	increase	NOUN
esutjss-292	188	17	in	in	ADP
esutjss-292	188	18	digital	digital	ADJ
esutjss-292	188	19	lending	lending	NOUN
esutjss-292	188	20	platforms	platform	NOUN
esutjss-292	188	21	adoption	adoption	NOUN
esutjss-292	188	22	,	,	PUNCT
esutjss-292	188	23	business	business	NOUN
esutjss-292	188	24	performance	performance	NOUN
esutjss-292	188	25	increases	increase	NOUN
esutjss-292	188	26	by	by	ADP
esutjss-292	188	27	2.145	2.145	NUM
esutjss-292	188	28	units	unit	NOUN
esutjss-292	188	29	.	.	PUNCT
esutjss-292	189	1	the	the	DET
esutjss-292	189	2	standardized	standardized	ADJ
esutjss-292	189	3	coefficient	coefficient	NOUN
esutjss-292	189	4	(	(	PUNCT
esutjss-292	189	5	β	β	X
esutjss-292	189	6	=	=	SYM
esutjss-292	189	7	0.826	0.826	NUM
esutjss-292	189	8	)	)	PUNCT
esutjss-292	189	9	is	be	AUX
esutjss-292	189	10	great	great	ADJ
esutjss-292	189	11	effect	effect	NOUN
esutjss-292	189	12	size	size	NOUN
esutjss-292	189	13	and	and	CCONJ
esutjss-292	189	14	proves	prove	VERB
esutjss-292	189	15	the	the	DET
esutjss-292	189	16	influence	influence	NOUN
esutjss-292	189	17	of	of	ADP
esutjss-292	189	18	the	the	DET
esutjss-292	189	19	digital	digital	ADJ
esutjss-292	189	20	lending	lending	NOUN
esutjss-292	189	21	platforms	platform	NOUN
esutjss-292	189	22	on	on	ADP
esutjss-292	189	23	the	the	DET
esutjss-292	189	24	performance	performance	NOUN
esutjss-292	189	25	of	of	ADP
esutjss-292	189	26	businesses	business	NOUN
esutjss-292	189	27	.	.	PUNCT
esutjss-292	190	1	these	these	DET
esutjss-292	190	2	results	result	NOUN
esutjss-292	190	3	lead	lead	VERB
esutjss-292	190	4	to	to	ADP
esutjss-292	190	5	the	the	DET
esutjss-292	190	6	rejection	rejection	NOUN
esutjss-292	190	7	of	of	ADP
esutjss-292	190	8	the	the	DET
esutjss-292	190	9	null	null	ADJ
esutjss-292	190	10	hypothesis	hypothesis	NOUN
esutjss-292	190	11	(	(	PUNCT
esutjss-292	190	12	h₀₂	h₀₂	PROPN
esutjss-292	190	13	)	)	PUNCT
esutjss-292	190	14	,	,	PUNCT
esutjss-292	190	15	concluding	conclude	VERB
esutjss-292	190	16	that	that	SCONJ
esutjss-292	190	17	digital	digital	ADJ
esutjss-292	190	18	lending	lending	NOUN
esutjss-292	190	19	platforms	platform	NOUN
esutjss-292	190	20	adoption	adoption	NOUN
esutjss-292	190	21	has	have	VERB
esutjss-292	190	22	a	a	DET
esutjss-292	190	23	significant	significant	ADJ
esutjss-292	190	24	positive	positive	ADJ
esutjss-292	190	25	impact	impact	NOUN
esutjss-292	190	26	on	on	ADP
esutjss-292	190	27	business	business	NOUN
esutjss-292	190	28	performance	performance	NOUN
esutjss-292	190	29	of	of	ADP
esutjss-292	190	30	smes	sme	NOUN
esutjss-292	190	31	in	in	ADP
esutjss-292	190	32	ilorin	ilorin	PROPN
esutjss-292	190	33	,	,	PUNCT
esutjss-292	190	34	nigeria	nigeria	PROPN
esutjss-292	190	35	.	.	PUNCT
esutjss-292	191	1	discussion	discussion	NOUN
esutjss-292	191	2	of	of	ADP
esutjss-292	191	3	findings	finding	NOUN
esutjss-292	191	4	the	the	DET
esutjss-292	191	5	findings	finding	NOUN
esutjss-292	191	6	reveal	reveal	VERB
esutjss-292	191	7	an	an	DET
esutjss-292	191	8	exceptionally	exceptionally	ADV
esutjss-292	191	9	strong	strong	ADJ
esutjss-292	191	10	and	and	CCONJ
esutjss-292	191	11	statistically	statistically	ADV
esutjss-292	191	12	significant	significant	ADJ
esutjss-292	191	13	relationship	relationship	NOUN
esutjss-292	191	14	between	between	ADP
esutjss-292	191	15	mobile	mobile	ADJ
esutjss-292	191	16	payment	payment	NOUN
esutjss-292	191	17	systems	system	NOUN
esutjss-292	191	18	adoption	adoption	NOUN
esutjss-292	191	19	and	and	CCONJ
esutjss-292	191	20	financial	financial	ADJ
esutjss-292	191	21	management	management	NOUN
esutjss-292	191	22	efficiency	efficiency	NOUN
esutjss-292	191	23	among	among	ADP
esutjss-292	191	24	smes	sme	NOUN
esutjss-292	191	25	in	in	ADP
esutjss-292	191	26	ilorin	ilorin	NOUN
esutjss-292	191	27	.	.	PUNCT
esutjss-292	192	1	the	the	DET
esutjss-292	192	2	high	high	ADJ
esutjss-292	192	3	correlation	correlation	NOUN
esutjss-292	192	4	(	(	PUNCT
esutjss-292	192	5	r	r	NOUN
esutjss-292	192	6	=	=	SYM
esutjss-292	192	7	0.851	0.851	NUM
esutjss-292	192	8	)	)	PUNCT
esutjss-292	192	9	and	and	CCONJ
esutjss-292	192	10	substantial	substantial	ADJ
esutjss-292	192	11	explanatory	explanatory	ADJ
esutjss-292	192	12	power	power	NOUN
esutjss-292	192	13	(	(	PUNCT
esutjss-292	192	14	r²	r²	NOUN
esutjss-292	192	15	=	=	SYM
esutjss-292	192	16	0.724	0.724	NUM
esutjss-292	192	17	)	)	PUNCT
esutjss-292	192	18	demonstrate	demonstrate	VERB
esutjss-292	192	19	that	that	SCONJ
esutjss-292	192	20	mobile	mobile	ADJ
esutjss-292	192	21	payment	payment	NOUN
esutjss-292	192	22	systems	system	NOUN
esutjss-292	192	23	are	be	AUX
esutjss-292	192	24	a	a	DET
esutjss-292	192	25	primary	primary	ADJ
esutjss-292	192	26	driver	driver	NOUN
esutjss-292	192	27	of	of	ADP
esutjss-292	192	28	financial	financial	ADJ
esutjss-292	192	29	management	management	NOUN
esutjss-292	192	30	improvement	improvement	NOUN
esutjss-292	192	31	in	in	ADP
esutjss-292	192	32	the	the	DET
esutjss-292	192	33	studied	studied	ADJ
esutjss-292	192	34	context	context	NOUN
esutjss-292	192	35	.	.	PUNCT
esutjss-292	193	1	this	this	DET
esutjss-292	193	2	observation	observation	NOUN
esutjss-292	193	3	is	be	AUX
esutjss-292	193	4	consistent	consistent	ADJ
esutjss-292	193	5	with	with	ADP
esutjss-292	193	6	earlier	early	ADJ
esutjss-292	193	7	studies	study	NOUN
esutjss-292	193	8	in	in	ADP
esutjss-292	193	9	other	other	ADJ
esutjss-292	193	10	settings	setting	NOUN
esutjss-292	193	11	of	of	ADP
esutjss-292	193	12	developing	develop	VERB
esutjss-292	193	13	economies	economy	NOUN
esutjss-292	193	14	,	,	PUNCT
esutjss-292	193	15	where	where	SCONJ
esutjss-292	193	16	mobile	mobile	ADJ
esutjss-292	193	17	payment	payment	NOUN
esutjss-292	193	18	uptake	uptake	NOUN
esutjss-292	193	19	has	have	AUX
esutjss-292	193	20	been	be	AUX
esutjss-292	193	21	revealed	reveal	VERB
esutjss-292	193	22	to	to	PART
esutjss-292	193	23	drive	drive	VERB
esutjss-292	193	24	more	more	ADJ
esutjss-292	193	25	efficiency	efficiency	NOUN
esutjss-292	193	26	in	in	ADP
esutjss-292	193	27	business	business	NOUN
esutjss-292	193	28	operations	operation	NOUN
esutjss-292	193	29	(	(	PUNCT
esutjss-292	193	30	ouma	ouma	PROPN
esutjss-292	193	31	et	et	PROPN
esutjss-292	193	32	al	al	PROPN
esutjss-292	193	33	.	.	PROPN
esutjss-292	193	34	,	,	PUNCT
esutjss-292	193	35	2021	2021	NUM
esutjss-292	193	36	;	;	PUNCT
esutjss-292	193	37	senyo	senyo	ADV
esutjss-292	193	38	and	and	CCONJ
esutjss-292	193	39	osabutey	osabutey	PROPN
esutjss-292	193	40	,	,	PUNCT
esutjss-292	193	41	2020	2020	NUM
esutjss-292	193	42	)	)	PUNCT
esutjss-292	193	43	.	.	PUNCT
esutjss-292	194	1	these	these	DET
esutjss-292	194	2	findings	finding	NOUN
esutjss-292	194	3	have	have	VERB
esutjss-292	194	4	practical	practical	ADJ
esutjss-292	194	5	implications	implication	NOUN
esutjss-292	194	6	on	on	ADP
esutjss-292	194	7	the	the	DET
esutjss-292	194	8	operations	operation	NOUN
esutjss-292	194	9	of	of	ADP
esutjss-292	194	10	sme	sme	NOUN
esutjss-292	194	11	.	.	PUNCT
esutjss-292	195	1	the	the	DET
esutjss-292	195	2	automatic	automatic	ADJ
esutjss-292	195	3	transaction	transaction	NOUN
esutjss-292	195	4	recording	recording	NOUN
esutjss-292	195	5	capabilities	capability	NOUN
esutjss-292	195	6	of	of	ADP
esutjss-292	195	7	mobile	mobile	ADJ
esutjss-292	195	8	payment	payment	NOUN
esutjss-292	195	9	systems	system	NOUN
esutjss-292	195	10	address	address	VERB
esutjss-292	195	11	one	one	NUM
esutjss-292	195	12	of	of	ADP
esutjss-292	195	13	the	the	DET
esutjss-292	195	14	most	most	ADV
esutjss-292	195	15	persistent	persistent	ADJ
esutjss-292	195	16	challenges	challenge	NOUN
esutjss-292	195	17	faced	face	VERB
esutjss-292	195	18	by	by	ADP
esutjss-292	195	19	smes	sme	NOUN
esutjss-292	195	20	in	in	ADP
esutjss-292	195	21	nigeria	nigeria	PROPN
esutjss-292	195	22	maintaining	maintain	VERB
esutjss-292	195	23	accurate	accurate	ADJ
esutjss-292	195	24	financial	financial	ADJ
esutjss-292	195	25	records	record	NOUN
esutjss-292	195	26	.	.	PUNCT
esutjss-292	196	1	the	the	DET
esutjss-292	196	2	real	real	ADJ
esutjss-292	196	3	-	-	PUNCT
esutjss-292	196	4	time	time	NOUN
esutjss-292	196	5	nature	nature	NOUN
esutjss-292	196	6	of	of	ADP
esutjss-292	196	7	mobile	mobile	ADJ
esutjss-292	196	8	payments	payment	NOUN
esutjss-292	196	9	also	also	ADV
esutjss-292	196	10	improves	improve	VERB
esutjss-292	196	11	cash	cash	NOUN
esutjss-292	196	12	flow	flow	NOUN
esutjss-292	196	13	visibility	visibility	NOUN
esutjss-292	196	14	and	and	CCONJ
esutjss-292	196	15	management	management	NOUN
esutjss-292	196	16	,	,	PUNCT
esutjss-292	196	17	enabling	enable	VERB
esutjss-292	196	18	smes	sme	NOUN
esutjss-292	196	19	to	to	PART
esutjss-292	196	20	make	make	VERB
esutjss-292	196	21	more	more	ADV
esutjss-292	196	22	informed	informed	ADJ
esutjss-292	196	23	financial	financial	ADJ
esutjss-292	196	24	decisions	decision	NOUN
esutjss-292	196	25	and	and	CCONJ
esutjss-292	196	26	reduce	reduce	VERB
esutjss-292	196	27	the	the	DET
esutjss-292	196	28	working	work	VERB
esutjss-292	196	29	capital	capital	NOUN
esutjss-292	196	30	298	298	NUM
esutjss-292	196	31	constraints	constraint	NOUN
esutjss-292	196	32	that	that	PRON
esutjss-292	196	33	often	often	ADV
esutjss-292	196	34	limit	limit	VERB
esutjss-292	196	35	their	their	PRON
esutjss-292	196	36	growth	growth	NOUN
esutjss-292	196	37	potential	potential	NOUN
esutjss-292	196	38	.	.	PUNCT
esutjss-292	197	1	the	the	DET
esutjss-292	197	2	effect	effect	NOUN
esutjss-292	197	3	size	size	NOUN
esutjss-292	197	4	(=	(=	ADV
esutjss-292	197	5	0.851	0.851	NUM
esutjss-292	197	6	)	)	PUNCT
esutjss-292	197	7	is	be	AUX
esutjss-292	197	8	high	high	ADJ
esutjss-292	197	9	implying	implying	ADJ
esutjss-292	197	10	that	that	SCONJ
esutjss-292	197	11	the	the	DET
esutjss-292	197	12	adoption	adoption	NOUN
esutjss-292	197	13	of	of	ADP
esutjss-292	197	14	mobile	mobile	ADJ
esutjss-292	197	15	payment	payment	NOUN
esutjss-292	197	16	systems	system	NOUN
esutjss-292	197	17	brings	bring	VERB
esutjss-292	197	18	about	about	ADP
esutjss-292	197	19	some	some	DET
esutjss-292	197	20	radical	radical	ADJ
esutjss-292	197	21	change	change	NOUN
esutjss-292	197	22	in	in	ADP
esutjss-292	197	23	the	the	DET
esutjss-292	197	24	way	way	NOUN
esutjss-292	197	25	that	that	PRON
esutjss-292	197	26	smes	sme	NOUN
esutjss-292	197	27	conduct	conduct	VERB
esutjss-292	197	28	their	their	PRON
esutjss-292	197	29	finances	finance	NOUN
esutjss-292	197	30	,	,	PUNCT
esutjss-292	197	31	and	and	CCONJ
esutjss-292	197	32	not	not	PART
esutjss-292	197	33	just	just	ADV
esutjss-292	197	34	some	some	DET
esutjss-292	197	35	radical	radical	ADJ
esutjss-292	197	36	improvements	improvement	NOUN
esutjss-292	197	37	.	.	PUNCT
esutjss-292	198	1	this	this	DET
esutjss-292	198	2	change	change	NOUN
esutjss-292	198	3	is	be	AUX
esutjss-292	198	4	especially	especially	ADV
esutjss-292	198	5	significant	significant	ADJ
esutjss-292	198	6	in	in	ADP
esutjss-292	198	7	the	the	DET
esutjss-292	198	8	nigerian	nigerian	ADJ
esutjss-292	198	9	setting	setting	NOUN
esutjss-292	198	10	,	,	PUNCT
esutjss-292	198	11	where	where	SCONJ
esutjss-292	198	12	most	most	ADJ
esutjss-292	198	13	of	of	ADP
esutjss-292	198	14	the	the	DET
esutjss-292	198	15	smes	sme	NOUN
esutjss-292	198	16	have	have	AUX
esutjss-292	198	17	traditionally	traditionally	ADV
esutjss-292	198	18	been	be	AUX
esutjss-292	198	19	dependent	dependent	ADJ
esutjss-292	198	20	on	on	ADP
esutjss-292	198	21	cash	cash	NOUN
esutjss-292	198	22	-	-	PUNCT
esutjss-292	198	23	based	base	VERB
esutjss-292	198	24	transactions	transaction	NOUN
esutjss-292	198	25	,	,	PUNCT
esutjss-292	198	26	manual	manual	ADJ
esutjss-292	198	27	record	record	NOUN
esutjss-292	198	28	keeping	keep	VERB
esutjss-292	198	29	systems	system	NOUN
esutjss-292	198	30	,	,	PUNCT
esutjss-292	198	31	which	which	PRON
esutjss-292	198	32	are	be	AUX
esutjss-292	198	33	susceptible	susceptible	ADJ
esutjss-292	198	34	to	to	ADP
esutjss-292	198	35	mistakes	mistake	NOUN
esutjss-292	198	36	and	and	CCONJ
esutjss-292	198	37	in	in	ADP
esutjss-292	198	38	-	-	PUNCT
esutjss-292	198	39	efficiencies	efficiency	NOUN
esutjss-292	198	40	.	.	PUNCT
esutjss-292	199	1	the	the	DET
esutjss-292	199	2	results	result	NOUN
esutjss-292	199	3	are	be	AUX
esutjss-292	199	4	also	also	ADV
esutjss-292	199	5	revealing	reveal	VERB
esutjss-292	199	6	the	the	DET
esutjss-292	199	7	democratizing	democratize	VERB
esutjss-292	199	8	impact	impact	NOUN
esutjss-292	199	9	of	of	ADP
esutjss-292	199	10	mobile	mobile	ADJ
esutjss-292	199	11	payment	payment	NOUN
esutjss-292	199	12	technology	technology	NOUN
esutjss-292	199	13	,	,	PUNCT
esutjss-292	199	14	and	and	CCONJ
esutjss-292	199	15	so	so	ADV
esutjss-292	199	16	more	more	ADV
esutjss-292	199	17	advanced	advanced	ADJ
esutjss-292	199	18	financial	financial	ADJ
esutjss-292	199	19	management	management	NOUN
esutjss-292	199	20	functions	function	NOUN
esutjss-292	199	21	can	can	AUX
esutjss-292	199	22	be	be	AUX
esutjss-292	199	23	available	available	ADJ
esutjss-292	199	24	to	to	ADP
esutjss-292	199	25	small	small	ADJ
esutjss-292	199	26	businesses	business	NOUN
esutjss-292	199	27	who	who	PRON
esutjss-292	199	28	never	never	ADV
esutjss-292	199	29	had	have	VERB
esutjss-292	199	30	the	the	DET
esutjss-292	199	31	means	mean	NOUN
esutjss-292	199	32	to	to	PART
esutjss-292	199	33	institute	institute	VERB
esutjss-292	199	34	extensive	extensive	ADJ
esutjss-292	199	35	financial	financial	ADJ
esutjss-292	199	36	management	management	NOUN
esutjss-292	199	37	systems	system	NOUN
esutjss-292	199	38	before	before	ADV
esutjss-292	199	39	.	.	PUNCT
esutjss-292	200	1	this	this	DET
esutjss-292	200	2	accessibility	accessibility	NOUN
esutjss-292	200	3	is	be	AUX
esutjss-292	200	4	essential	essential	ADJ
esutjss-292	200	5	towards	towards	ADP
esutjss-292	200	6	fostering	foster	VERB
esutjss-292	200	7	financial	financial	ADJ
esutjss-292	200	8	inclusion	inclusion	NOUN
esutjss-292	200	9	,	,	PUNCT
esutjss-292	200	10	and	and	CCONJ
esutjss-292	200	11	the	the	DET
esutjss-292	200	12	ability	ability	NOUN
esutjss-292	200	13	of	of	ADP
esutjss-292	200	14	smes	sme	NOUN
esutjss-292	200	15	to	to	PART
esutjss-292	200	16	compete	compete	VERB
esutjss-292	200	17	better	well	ADV
esutjss-292	200	18	in	in	ADP
esutjss-292	200	19	ever	ever	ADV
esutjss-292	200	20	more	more	ADJ
esutjss-292	200	21	digital	digital	ADJ
esutjss-292	200	22	markets	market	NOUN
esutjss-292	200	23	.	.	PUNCT
esutjss-292	201	1	the	the	DET
esutjss-292	201	2	analysis	analysis	NOUN
esutjss-292	201	3	indicates	indicate	VERB
esutjss-292	201	4	a	a	DET
esutjss-292	201	5	close	close	ADJ
esutjss-292	201	6	close	close	NOUN
esutjss-292	201	7	-	-	PUNCT
esutjss-292	201	8	to	to	ADP
esutjss-292	201	9	-	-	PUNCT
esutjss-292	201	10	positive	positive	ADJ
esutjss-292	201	11	relationship	relationship	NOUN
esutjss-292	201	12	between	between	ADP
esutjss-292	201	13	adoption	adoption	NOUN
esutjss-292	201	14	of	of	ADP
esutjss-292	201	15	digital	digital	ADJ
esutjss-292	201	16	lending	lending	NOUN
esutjss-292	201	17	platforms	platform	NOUN
esutjss-292	201	18	and	and	CCONJ
esutjss-292	201	19	business	business	NOUN
esutjss-292	201	20	performance	performance	NOUN
esutjss-292	201	21	,	,	PUNCT
esutjss-292	201	22	but	but	CCONJ
esutjss-292	201	23	less	less	ADV
esutjss-292	201	24	strong	strong	ADJ
esutjss-292	201	25	than	than	ADP
esutjss-292	201	26	that	that	PRON
esutjss-292	201	27	between	between	ADP
esutjss-292	201	28	mobile	mobile	ADJ
esutjss-292	201	29	payment	payment	NOUN
esutjss-292	201	30	systems	system	NOUN
esutjss-292	201	31	.	.	PUNCT
esutjss-292	202	1	the	the	DET
esutjss-292	202	2	correlation	correlation	NOUN
esutjss-292	202	3	value	value	NOUN
esutjss-292	202	4	(	(	PUNCT
esutjss-292	202	5	r	r	NOUN
esutjss-292	202	6	=	=	SYM
esutjss-292	202	7	0.826	0.826	NUM
esutjss-292	202	8	)	)	PUNCT
esutjss-292	202	9	and	and	CCONJ
esutjss-292	202	10	r	r	NOUN
esutjss-292	202	11	-	-	PUNCT
esutjss-292	202	12	square	square	ADJ
esutjss-292	202	13	(	(	PUNCT
esutjss-292	202	14	r2	r2	PROPN
esutjss-292	202	15	=	=	SYM
esutjss-292	202	16	0.682	0.682	NUM
esutjss-292	202	17	)	)	PUNCT
esutjss-292	202	18	have	have	AUX
esutjss-292	202	19	shown	show	VERB
esutjss-292	202	20	that	that	SCONJ
esutjss-292	202	21	the	the	DET
esutjss-292	202	22	digital	digital	ADJ
esutjss-292	202	23	lending	lending	NOUN
esutjss-292	202	24	platforms	platform	NOUN
esutjss-292	202	25	are	be	AUX
esutjss-292	202	26	critical	critical	ADJ
esutjss-292	202	27	in	in	ADP
esutjss-292	202	28	improving	improve	VERB
esutjss-292	202	29	the	the	DET
esutjss-292	202	30	performance	performance	NOUN
esutjss-292	202	31	outcomes	outcome	NOUN
esutjss-292	202	32	of	of	ADP
esutjss-292	202	33	smes	sme	NOUN
esutjss-292	202	34	.	.	PUNCT
esutjss-292	203	1	this	this	DET
esutjss-292	203	2	finding	finding	NOUN
esutjss-292	203	3	supports	support	VERB
esutjss-292	203	4	theoretical	theoretical	ADJ
esutjss-292	203	5	expectations	expectation	NOUN
esutjss-292	203	6	about	about	ADP
esutjss-292	203	7	the	the	DET
esutjss-292	203	8	relationship	relationship	NOUN
esutjss-292	203	9	between	between	ADP
esutjss-292	203	10	access	access	NOUN
esutjss-292	203	11	to	to	ADP
esutjss-292	203	12	finance	finance	NOUN
esutjss-292	203	13	and	and	CCONJ
esutjss-292	203	14	business	business	NOUN
esutjss-292	203	15	performance	performance	NOUN
esutjss-292	203	16	,	,	PUNCT
esutjss-292	203	17	while	while	SCONJ
esutjss-292	203	18	highlighting	highlight	VERB
esutjss-292	203	19	the	the	DET
esutjss-292	203	20	particular	particular	ADJ
esutjss-292	203	21	effectiveness	effectiveness	NOUN
esutjss-292	203	22	of	of	ADP
esutjss-292	203	23	digital	digital	ADJ
esutjss-292	203	24	lending	lending	NOUN
esutjss-292	203	25	channels	channel	NOUN
esutjss-292	203	26	for	for	ADP
esutjss-292	203	27	smes	sme	NOUN
esutjss-292	203	28	.	.	PUNCT
esutjss-292	204	1	the	the	DET
esutjss-292	204	2	impact	impact	NOUN
esutjss-292	204	3	of	of	ADP
esutjss-292	204	4	digital	digital	ADJ
esutjss-292	204	5	lending	lending	NOUN
esutjss-292	204	6	platforms	platform	NOUN
esutjss-292	204	7	on	on	ADP
esutjss-292	204	8	business	business	NOUN
esutjss-292	204	9	performance	performance	NOUN
esutjss-292	204	10	operates	operate	VERB
esutjss-292	204	11	through	through	ADP
esutjss-292	204	12	multiple	multiple	ADJ
esutjss-292	204	13	pathways	pathway	NOUN
esutjss-292	204	14	.	.	PUNCT
esutjss-292	205	1	access	access	NOUN
esutjss-292	205	2	to	to	ADP
esutjss-292	205	3	capital	capital	NOUN
esutjss-292	205	4	is	be	AUX
esutjss-292	205	5	also	also	ADV
esutjss-292	205	6	enhanced	enhance	VERB
esutjss-292	205	7	,	,	PUNCT
esutjss-292	205	8	which	which	PRON
esutjss-292	205	9	allows	allow	VERB
esutjss-292	205	10	smes	sme	NOUN
esutjss-292	205	11	to	to	PART
esutjss-292	205	12	invest	invest	VERB
esutjss-292	205	13	in	in	ADP
esutjss-292	205	14	growth	growth	NOUN
esutjss-292	205	15	opportunities	opportunity	NOUN
esutjss-292	205	16	,	,	PUNCT
esutjss-292	205	17	ensure	ensure	VERB
esutjss-292	205	18	sufficient	sufficient	ADJ
esutjss-292	205	19	inventory	inventory	NOUN
esutjss-292	205	20	,	,	PUNCT
esutjss-292	205	21	and	and	CCONJ
esutjss-292	205	22	better	well	ADJ
esutjss-292	205	23	access	access	NOUN
esutjss-292	205	24	to	to	ADP
esutjss-292	205	25	meeting	meet	VERB
esutjss-292	205	26	the	the	DET
esutjss-292	205	27	market	market	NOUN
esutjss-292	205	28	requirements	requirement	NOUN
esutjss-292	205	29	.	.	PUNCT
esutjss-292	206	1	the	the	DET
esutjss-292	206	2	faster	fast	ADJ
esutjss-292	206	3	approval	approval	NOUN
esutjss-292	206	4	processes	process	NOUN
esutjss-292	206	5	characteristic	characteristic	ADJ
esutjss-292	206	6	of	of	ADP
esutjss-292	206	7	digital	digital	ADJ
esutjss-292	206	8	lending	lending	NOUN
esutjss-292	206	9	platforms	platform	NOUN
esutjss-292	206	10	also	also	ADV
esutjss-292	206	11	enable	enable	VERB
esutjss-292	206	12	smes	sme	NOUN
esutjss-292	206	13	to	to	PART
esutjss-292	206	14	capitalize	capitalize	VERB
esutjss-292	206	15	on	on	ADP
esutjss-292	206	16	time	time	NOUN
esutjss-292	206	17	-	-	PUNCT
esutjss-292	206	18	sensitive	sensitive	ADJ
esutjss-292	206	19	opportunities	opportunity	NOUN
esutjss-292	206	20	that	that	PRON
esutjss-292	206	21	might	might	AUX
esutjss-292	206	22	be	be	AUX
esutjss-292	206	23	missed	miss	VERB
esutjss-292	206	24	with	with	ADP
esutjss-292	206	25	traditional	traditional	ADJ
esutjss-292	206	26	lending	lending	NOUN
esutjss-292	206	27	channels	channel	NOUN
esutjss-292	206	28	.	.	PUNCT
esutjss-292	207	1	the	the	DET
esutjss-292	207	2	relative	relative	ADJ
esutjss-292	207	3	lack	lack	NOUN
esutjss-292	207	4	of	of	ADP
esutjss-292	207	5	explanatory	explanatory	ADJ
esutjss-292	207	6	power	power	NOUN
esutjss-292	207	7	of	of	ADP
esutjss-292	207	8	mobile	mobile	ADJ
esutjss-292	207	9	payment	payment	NOUN
esutjss-292	207	10	systems	system	NOUN
esutjss-292	207	11	might	might	AUX
esutjss-292	207	12	indicate	indicate	VERB
esutjss-292	207	13	that	that	DET
esutjss-292	207	14	performance	performance	NOUN
esutjss-292	207	15	of	of	ADP
esutjss-292	207	16	business	business	NOUN
esutjss-292	207	17	is	be	AUX
esutjss-292	207	18	affected	affect	VERB
esutjss-292	207	19	by	by	ADP
esutjss-292	207	20	a	a	DET
esutjss-292	207	21	variety	variety	NOUN
esutjss-292	207	22	of	of	ADP
esutjss-292	207	23	factors	factor	NOUN
esutjss-292	207	24	,	,	PUNCT
esutjss-292	207	25	rather	rather	ADV
esutjss-292	207	26	than	than	ADP
esutjss-292	207	27	solely	solely	ADV
esutjss-292	207	28	access	access	NOUN
esutjss-292	207	29	to	to	ADP
esutjss-292	207	30	finance	finance	NOUN
esutjss-292	207	31	,	,	PUNCT
esutjss-292	207	32	such	such	ADJ
esutjss-292	207	33	as	as	ADP
esutjss-292	207	34	market	market	NOUN
esutjss-292	207	35	,	,	PUNCT
esutjss-292	207	36	management	management	NOUN
esutjss-292	207	37	,	,	PUNCT
esutjss-292	207	38	and	and	CCONJ
esutjss-292	207	39	rivalry	rivalry	NOUN
esutjss-292	207	40	factors	factor	NOUN
esutjss-292	207	41	.	.	PUNCT
esutjss-292	208	1	however	however	ADV
esutjss-292	208	2	,	,	PUNCT
esutjss-292	208	3	the	the	DET
esutjss-292	208	4	substantial	substantial	ADJ
esutjss-292	208	5	effect	effect	NOUN
esutjss-292	208	6	size	size	NOUN
esutjss-292	208	7	(	(	PUNCT
esutjss-292	208	8	β	β	X
esutjss-292	208	9	=	=	SYM
esutjss-292	208	10	0.826	0.826	NUM
esutjss-292	208	11	)	)	PUNCT
esutjss-292	208	12	still	still	ADV
esutjss-292	208	13	indicates	indicate	VERB
esutjss-292	208	14	that	that	SCONJ
esutjss-292	208	15	digital	digital	ADJ
esutjss-292	208	16	lending	lending	NOUN
esutjss-292	208	17	platforms	platform	NOUN
esutjss-292	208	18	have	have	VERB
esutjss-292	208	19	a	a	DET
esutjss-292	208	20	major	major	ADJ
esutjss-292	208	21	impact	impact	NOUN
esutjss-292	208	22	on	on	ADP
esutjss-292	208	23	business	business	NOUN
esutjss-292	208	24	outcomes	outcome	NOUN
esutjss-292	208	25	for	for	ADP
esutjss-292	208	26	adopting	adopt	VERB
esutjss-292	208	27	smes	sme	NOUN
esutjss-292	208	28	.	.	PUNCT
esutjss-292	209	1	the	the	DET
esutjss-292	209	2	results	result	NOUN
esutjss-292	209	3	are	be	AUX
esutjss-292	209	4	also	also	ADV
esutjss-292	209	5	of	of	ADP
esutjss-292	209	6	great	great	ADJ
esutjss-292	209	7	importance	importance	NOUN
esutjss-292	209	8	considering	consider	VERB
esutjss-292	209	9	the	the	DET
esutjss-292	209	10	past	past	ADJ
esutjss-292	209	11	difficulties	difficulty	NOUN
esutjss-292	209	12	experienced	experience	VERB
esutjss-292	209	13	by	by	ADP
esutjss-292	209	14	smes	sme	NOUN
esutjss-292	209	15	in	in	ADP
esutjss-292	209	16	formal	formal	ADJ
esutjss-292	209	17	credit	credit	NOUN
esutjss-292	209	18	accessibility	accessibility	NOUN
esutjss-292	209	19	in	in	ADP
esutjss-292	209	20	nigeria	nigeria	PROPN
esutjss-292	209	21	.	.	PUNCT
esutjss-292	210	1	digital	digital	ADJ
esutjss-292	210	2	lending	lending	NOUN
esutjss-292	210	3	platforms	platform	NOUN
esutjss-292	210	4	appear	appear	VERB
esutjss-292	210	5	to	to	PART
esutjss-292	210	6	be	be	AUX
esutjss-292	210	7	successfully	successfully	ADV
esutjss-292	210	8	addressing	address	VERB
esutjss-292	210	9	many	many	ADJ
esutjss-292	210	10	of	of	ADP
esutjss-292	210	11	the	the	DET
esutjss-292	210	12	barriers	barrier	NOUN
esutjss-292	210	13	that	that	PRON
esutjss-292	210	14	have	have	AUX
esutjss-292	210	15	prevented	prevent	VERB
esutjss-292	210	16	traditional	traditional	ADJ
esutjss-292	210	17	financial	financial	ADJ
esutjss-292	210	18	institutions	institution	NOUN
esutjss-292	210	19	from	from	ADP
esutjss-292	210	20	serving	serve	VERB
esutjss-292	210	21	this	this	DET
esutjss-292	210	22	market	market	NOUN
esutjss-292	210	23	segment	segment	NOUN
esutjss-292	210	24	effectively	effectively	ADV
esutjss-292	210	25	,	,	PUNCT
esutjss-292	210	26	including	include	VERB
esutjss-292	210	27	high	high	ADJ
esutjss-292	210	28	transaction	transaction	NOUN
esutjss-292	210	29	costs	cost	NOUN
esutjss-292	210	30	,	,	PUNCT
esutjss-292	210	31	inadequate	inadequate	ADJ
esutjss-292	210	32	credit	credit	NOUN
esutjss-292	210	33	assessment	assessment	NOUN
esutjss-292	210	34	mechanisms	mechanism	NOUN
esutjss-292	210	35	,	,	PUNCT
esutjss-292	210	36	and	and	CCONJ
esutjss-292	210	37	lengthy	lengthy	ADJ
esutjss-292	210	38	approval	approval	NOUN
esutjss-292	210	39	processes	process	NOUN
esutjss-292	210	40	.	.	PUNCT
esutjss-292	211	1	the	the	DET
esutjss-292	211	2	comparative	comparative	ADJ
esutjss-292	211	3	strength	strength	NOUN
esutjss-292	211	4	of	of	ADP
esutjss-292	211	5	the	the	DET
esutjss-292	211	6	relationships	relationship	NOUN
esutjss-292	211	7	reveals	reveal	VERB
esutjss-292	211	8	interesting	interesting	ADJ
esutjss-292	211	9	insights	insight	NOUN
esutjss-292	211	10	about	about	ADP
esutjss-292	211	11	the	the	DET
esutjss-292	211	12	differential	differential	ADJ
esutjss-292	211	13	impacts	impact	NOUN
esutjss-292	211	14	of	of	ADP
esutjss-292	211	15	various	various	ADJ
esutjss-292	211	16	fintech	fintech	NOUN
esutjss-292	211	17	solutions	solution	NOUN
esutjss-292	211	18	.	.	PUNCT
esutjss-292	212	1	mobile	mobile	ADJ
esutjss-292	212	2	payment	payment	NOUN
esutjss-292	212	3	systems	system	NOUN
esutjss-292	212	4	show	show	VERB
esutjss-292	212	5	stronger	strong	ADJ
esutjss-292	212	6	effects	effect	NOUN
esutjss-292	212	7	on	on	ADP
esutjss-292	212	8	financial	financial	ADJ
esutjss-292	212	9	management	management	NOUN
esutjss-292	212	10	efficiency	efficiency	NOUN
esutjss-292	212	11	than	than	ADP
esutjss-292	212	12	digital	digital	ADJ
esutjss-292	212	13	lending	lending	NOUN
esutjss-292	212	14	platforms	platform	NOUN
esutjss-292	212	15	show	show	VERB
esutjss-292	212	16	on	on	ADP
esutjss-292	212	17	business	business	NOUN
esutjss-292	212	18	performance	performance	NOUN
esutjss-292	212	19	.	.	PUNCT
esutjss-292	213	1	this	this	PRON
esutjss-292	213	2	can	can	AUX
esutjss-292	213	3	capture	capture	VERB
esutjss-292	213	4	the	the	DET
esutjss-292	213	5	more	more	ADV
esutjss-292	213	6	immediate	immediate	ADJ
esutjss-292	213	7	and	and	CCONJ
esutjss-292	213	8	observable	observable	ADJ
esutjss-292	213	9	consequences	consequence	NOUN
esutjss-292	213	10	of	of	ADP
esutjss-292	213	11	payment	payment	NOUN
esutjss-292	213	12	system	system	NOUN
esutjss-292	213	13	enhancements	enhancement	NOUN
esutjss-292	213	14	in	in	ADP
esutjss-292	213	15	contrast	contrast	NOUN
esutjss-292	213	16	to	to	ADP
esutjss-292	213	17	less	less	ADV
esutjss-292	213	18	immediate	immediate	ADJ
esutjss-292	213	19	and	and	CCONJ
esutjss-292	213	20	more	more	ADV
esutjss-292	213	21	complex	complex	ADJ
esutjss-292	213	22	links	link	NOUN
esutjss-292	213	23	between	between	ADP
esutjss-292	213	24	financing	financing	NOUN
esutjss-292	213	25	and	and	CCONJ
esutjss-292	213	26	performance	performance	NOUN
esutjss-292	213	27	outcomes	outcome	NOUN
esutjss-292	213	28	.	.	PUNCT
esutjss-292	214	1	in	in	ADP
esutjss-292	214	2	both	both	DET
esutjss-292	214	3	relations	relation	NOUN
esutjss-292	214	4	,	,	PUNCT
esutjss-292	214	5	the	the	DET
esutjss-292	214	6	effect	effect	NOUN
esutjss-292	214	7	sizes	size	NOUN
esutjss-292	214	8	are	be	AUX
esutjss-292	214	9	large	large	ADJ
esutjss-292	214	10	enough	enough	ADV
esutjss-292	214	11	to	to	PART
esutjss-292	214	12	meet	meet	VERB
esutjss-292	214	13	traditional	traditional	ADJ
esutjss-292	214	14	criteria	criterion	NOUN
esutjss-292	214	15	of	of	ADP
esutjss-292	214	16	what	what	PRON
esutjss-292	214	17	a	a	DET
esutjss-292	214	18	practical	practical	ADJ
esutjss-292	214	19	effect	effect	NOUN
esutjss-292	214	20	would	would	AUX
esutjss-292	214	21	be	be	AUX
esutjss-292	214	22	,	,	PUNCT
esutjss-292	214	23	meaning	mean	VERB
esutjss-292	214	24	that	that	SCONJ
esutjss-292	214	25	the	the	DET
esutjss-292	214	26	adoption	adoption	NOUN
esutjss-292	214	27	of	of	ADP
esutjss-292	214	28	fintech	fintech	NOUN
esutjss-292	214	29	will	will	AUX
esutjss-292	214	30	produce	produce	VERB
esutjss-292	214	31	meaningful	meaningful	ADJ
esutjss-292	214	32	,	,	PUNCT
esutjss-292	214	33	but	but	CCONJ
esutjss-292	214	34	not	not	PART
esutjss-292	214	35	just	just	ADV
esutjss-292	214	36	statistical	statistical	ADJ
esutjss-292	214	37	,	,	PUNCT
esutjss-292	214	38	impact	impact	NOUN
esutjss-292	214	39	on	on	ADP
esutjss-292	214	40	smes	sme	NOUN
esutjss-292	214	41	.	.	PUNCT
esutjss-292	215	1	the	the	DET
esutjss-292	215	2	results	result	NOUN
esutjss-292	215	3	validate	validate	VERB
esutjss-292	215	4	the	the	DET
esutjss-292	215	5	arguments	argument	NOUN
esutjss-292	215	6	about	about	ADP
esutjss-292	215	7	the	the	DET
esutjss-292	215	8	increased	increase	VERB
esutjss-292	215	9	adoption	adoption	NOUN
esutjss-292	215	10	of	of	ADP
esutjss-292	215	11	fintech	fintech	NOUN
esutjss-292	215	12	among	among	ADP
esutjss-292	215	13	the	the	DET
esutjss-292	215	14	nigerian	nigerian	ADJ
esutjss-292	215	15	smes	sme	NOUN
esutjss-292	215	16	faster	fast	ADV
esutjss-292	215	17	and	and	CCONJ
esutjss-292	215	18	indicate	indicate	VERB
esutjss-292	215	19	that	that	SCONJ
esutjss-292	215	20	the	the	DET
esutjss-292	215	21	policy	policy	NOUN
esutjss-292	215	22	intervention	intervention	NOUN
esutjss-292	215	23	addressing	address	VERB
esutjss-292	215	24	the	the	DET
esutjss-292	215	25	digital	digital	ADJ
esutjss-292	215	26	financial	financial	ADJ
esutjss-292	215	27	inclusion	inclusion	NOUN
esutjss-292	215	28	may	may	AUX
esutjss-292	215	29	have	have	VERB
esutjss-292	215	30	a	a	DET
esutjss-292	215	31	profound	profound	ADJ
esutjss-292	215	32	socio	socio	NOUN
esutjss-292	215	33	-	-	PUNCT
esutjss-292	215	34	economic	economic	ADJ
esutjss-292	215	35	developmental	developmental	ADJ
esutjss-292	215	36	effect	effect	NOUN
esutjss-292	215	37	.	.	PUNCT
esutjss-292	216	1	the	the	DET
esutjss-292	216	2	study	study	NOUN
esutjss-292	216	3	adds	add	VERB
esutjss-292	216	4	to	to	ADP
esutjss-292	216	5	the	the	DET
esutjss-292	216	6	recently	recently	ADV
esutjss-292	216	7	expanding	expand	VERB
esutjss-292	216	8	body	body	NOUN
esutjss-292	216	9	of	of	ADP
esutjss-292	216	10	research	research	NOUN
esutjss-292	216	11	that	that	PRON
esutjss-292	216	12	shows	show	VERB
esutjss-292	216	13	that	that	SCONJ
esutjss-292	216	14	fintech	fintech	NOUN
esutjss-292	216	15	is	be	AUX
esutjss-292	216	16	an	an	DET
esutjss-292	216	17	effective	effective	ADJ
esutjss-292	216	18	instrument	instrument	NOUN
esutjss-292	216	19	of	of	ADP
esutjss-292	216	20	economic	economic	ADJ
esutjss-292	216	21	empowerment	empowerment	NOUN
esutjss-292	216	22	and	and	CCONJ
esutjss-292	216	23	financial	financial	ADJ
esutjss-292	216	24	inclusion	inclusion	NOUN
esutjss-292	216	25	in	in	ADP
esutjss-292	216	26	less	less	ADV
esutjss-292	216	27	-	-	PUNCT
esutjss-292	216	28	developed	develop	VERB
esutjss-292	216	29	markets	market	NOUN
esutjss-292	216	30	.	.	PUNCT
esutjss-292	217	1	this	this	DET
esutjss-292	217	2	particular	particular	ADJ
esutjss-292	217	3	targeting	targeting	NOUN
esutjss-292	217	4	of	of	ADP
esutjss-292	217	5	a	a	DET
esutjss-292	217	6	secondary	secondary	ADJ
esutjss-292	217	7	city	city	NOUN
esutjss-292	217	8	such	such	ADJ
esutjss-292	217	9	as	as	ADP
esutjss-292	217	10	ilorin	ilorin	NOUN
esutjss-292	217	11	makes	make	VERB
esutjss-292	217	12	the	the	DET
esutjss-292	217	13	geographical	geographical	ADJ
esutjss-292	217	14	area	area	NOUN
esutjss-292	217	15	of	of	ADP
esutjss-292	217	16	fintech	fintech	NOUN
esutjss-292	217	17	research	research	NOUN
esutjss-292	217	18	expand	expand	VERB
esutjss-292	217	19	beyond	beyond	ADP
esutjss-292	217	20	big	big	ADJ
esutjss-292	217	21	urban	urban	ADJ
esutjss-292	217	22	centers	center	NOUN
esutjss-292	217	23	and	and	CCONJ
esutjss-292	217	24	offers	offer	VERB
esutjss-292	217	25	some	some	DET
esutjss-292	217	26	insights	insight	NOUN
esutjss-292	217	27	applicable	applicable	ADJ
esutjss-292	217	28	to	to	ADP
esutjss-292	217	29	other	other	ADJ
esutjss-292	217	30	commercial	commercial	ADJ
esutjss-292	217	31	hubs	hub	NOUN
esutjss-292	217	32	across	across	ADP
esutjss-292	217	33	nigeria	nigeria	PROPN
esutjss-292	217	34	and	and	CCONJ
esutjss-292	217	35	other	other	ADJ
esutjss-292	217	36	emerging	emerge	VERB
esutjss-292	217	37	economies	economy	NOUN
esutjss-292	217	38	.	.	PUNCT
esutjss-292	218	1	299	299	NUM
esutjss-292	218	2	conclusion	conclusion	NOUN
esutjss-292	218	3	this	this	DET
esutjss-292	218	4	study	study	NOUN
esutjss-292	218	5	examined	examine	VERB
esutjss-292	218	6	the	the	DET
esutjss-292	218	7	adoption	adoption	NOUN
esutjss-292	218	8	of	of	ADP
esutjss-292	218	9	fintech	fintech	NOUN
esutjss-292	218	10	solutions	solution	NOUN
esutjss-292	218	11	by	by	ADP
esutjss-292	218	12	smes	sme	NOUN
esutjss-292	218	13	in	in	ADP
esutjss-292	218	14	ilorin	ilorin	NOUN
esutjss-292	218	15	and	and	CCONJ
esutjss-292	218	16	their	their	PRON
esutjss-292	218	17	impacts	impact	NOUN
esutjss-292	218	18	on	on	ADP
esutjss-292	218	19	financial	financial	ADJ
esutjss-292	218	20	management	management	NOUN
esutjss-292	218	21	and	and	CCONJ
esutjss-292	218	22	business	business	NOUN
esutjss-292	218	23	performance	performance	NOUN
esutjss-292	218	24	.	.	PUNCT
esutjss-292	219	1	the	the	DET
esutjss-292	219	2	research	research	NOUN
esutjss-292	219	3	found	find	VERB
esutjss-292	219	4	exceptionally	exceptionally	ADV
esutjss-292	219	5	strong	strong	ADJ
esutjss-292	219	6	positive	positive	ADJ
esutjss-292	219	7	relationships	relationship	NOUN
esutjss-292	219	8	between	between	ADP
esutjss-292	219	9	mobile	mobile	ADJ
esutjss-292	219	10	payment	payment	NOUN
esutjss-292	219	11	systems	system	NOUN
esutjss-292	219	12	adoption	adoption	NOUN
esutjss-292	219	13	and	and	CCONJ
esutjss-292	219	14	financial	financial	ADJ
esutjss-292	219	15	management	management	NOUN
esutjss-292	219	16	efficiency	efficiency	NOUN
esutjss-292	219	17	and	and	CCONJ
esutjss-292	219	18	between	between	ADP
esutjss-292	219	19	digital	digital	ADJ
esutjss-292	219	20	lending	lending	NOUN
esutjss-292	219	21	platforms	platform	NOUN
esutjss-292	219	22	adoption	adoption	NOUN
esutjss-292	219	23	and	and	CCONJ
esutjss-292	219	24	business	business	NOUN
esutjss-292	219	25	performance	performance	NOUN
esutjss-292	219	26	.	.	PUNCT
esutjss-292	220	1	the	the	DET
esutjss-292	220	2	results	result	NOUN
esutjss-292	220	3	of	of	ADP
esutjss-292	220	4	both	both	DET
esutjss-292	220	5	relationships	relationship	NOUN
esutjss-292	220	6	were	be	AUX
esutjss-292	220	7	both	both	CCONJ
esutjss-292	220	8	large	large	ADJ
esutjss-292	220	9	and	and	CCONJ
esutjss-292	220	10	statistically	statistically	ADV
esutjss-292	220	11	significant	significant	ADJ
esutjss-292	220	12	,	,	PUNCT
esutjss-292	220	13	which	which	PRON
esutjss-292	220	14	highlights	highlight	VERB
esutjss-292	220	15	that	that	SCONJ
esutjss-292	220	16	the	the	DET
esutjss-292	220	17	adoption	adoption	NOUN
esutjss-292	220	18	of	of	ADP
esutjss-292	220	19	fintech	fintech	NOUN
esutjss-292	220	20	produces	produce	VERB
esutjss-292	220	21	significant	significant	ADJ
esutjss-292	220	22	gains	gain	NOUN
esutjss-292	220	23	on	on	ADP
esutjss-292	220	24	the	the	DET
esutjss-292	220	25	adoption	adoption	NOUN
esutjss-292	220	26	of	of	ADP
esutjss-292	220	27	smes	sme	NOUN
esutjss-292	220	28	.	.	PUNCT
esutjss-292	221	1	the	the	DET
esutjss-292	221	2	findings	finding	NOUN
esutjss-292	221	3	reveal	reveal	VERB
esutjss-292	221	4	that	that	SCONJ
esutjss-292	221	5	mobile	mobile	ADJ
esutjss-292	221	6	payment	payment	NOUN
esutjss-292	221	7	systems	system	NOUN
esutjss-292	221	8	serve	serve	VERB
esutjss-292	221	9	as	as	ADP
esutjss-292	221	10	powerful	powerful	ADJ
esutjss-292	221	11	tools	tool	NOUN
esutjss-292	221	12	for	for	ADP
esutjss-292	221	13	enhancing	enhance	VERB
esutjss-292	221	14	financial	financial	ADJ
esutjss-292	221	15	management	management	NOUN
esutjss-292	221	16	capabilities	capability	NOUN
esutjss-292	221	17	among	among	ADP
esutjss-292	221	18	smes	sme	NOUN
esutjss-292	221	19	,	,	PUNCT
esutjss-292	221	20	addressing	address	VERB
esutjss-292	221	21	traditional	traditional	ADJ
esutjss-292	221	22	challenges	challenge	NOUN
esutjss-292	221	23	with	with	ADP
esutjss-292	221	24	transaction	transaction	NOUN
esutjss-292	221	25	processing	processing	NOUN
esutjss-292	221	26	,	,	PUNCT
esutjss-292	221	27	record	record	NOUN
esutjss-292	221	28	-	-	PUNCT
esutjss-292	221	29	keeping	keeping	NOUN
esutjss-292	221	30	,	,	PUNCT
esutjss-292	221	31	and	and	CCONJ
esutjss-292	221	32	cash	cash	NOUN
esutjss-292	221	33	flow	flow	NOUN
esutjss-292	221	34	management	management	NOUN
esutjss-292	221	35	.	.	PUNCT
esutjss-292	222	1	the	the	DET
esutjss-292	222	2	automatic	automatic	ADJ
esutjss-292	222	3	documentation	documentation	NOUN
esutjss-292	222	4	and	and	CCONJ
esutjss-292	222	5	real	real	ADJ
esutjss-292	222	6	-	-	PUNCT
esutjss-292	222	7	time	time	NOUN
esutjss-292	222	8	processing	processing	NOUN
esutjss-292	222	9	capabilities	capability	NOUN
esutjss-292	222	10	of	of	ADP
esutjss-292	222	11	these	these	DET
esutjss-292	222	12	systems	system	NOUN
esutjss-292	222	13	enable	enable	VERB
esutjss-292	222	14	smes	sme	NOUN
esutjss-292	222	15	to	to	PART
esutjss-292	222	16	operate	operate	VERB
esutjss-292	222	17	more	more	ADV
esutjss-292	222	18	efficiently	efficiently	ADV
esutjss-292	222	19	and	and	CCONJ
esutjss-292	222	20	make	make	VERB
esutjss-292	222	21	better	well	ADV
esutjss-292	222	22	-	-	PUNCT
esutjss-292	222	23	informed	inform	VERB
esutjss-292	222	24	financial	financial	ADJ
esutjss-292	222	25	decisions	decision	NOUN
esutjss-292	222	26	.	.	PUNCT
esutjss-292	223	1	digital	digital	ADJ
esutjss-292	223	2	lending	lending	NOUN
esutjss-292	223	3	platforms	platform	NOUN
esutjss-292	223	4	prove	prove	VERB
esutjss-292	223	5	to	to	PART
esutjss-292	223	6	be	be	AUX
esutjss-292	223	7	highly	highly	ADV
esutjss-292	223	8	promising	promising	ADJ
esutjss-292	223	9	in	in	ADP
esutjss-292	223	10	enhancing	enhance	VERB
esutjss-292	223	11	the	the	DET
esutjss-292	223	12	performance	performance	NOUN
esutjss-292	223	13	of	of	ADP
esutjss-292	223	14	business	business	NOUN
esutjss-292	223	15	,	,	PUNCT
esutjss-292	223	16	as	as	SCONJ
esutjss-292	223	17	they	they	PRON
esutjss-292	223	18	deal	deal	VERB
esutjss-292	223	19	with	with	ADP
esutjss-292	223	20	a	a	DET
esutjss-292	223	21	capital	capital	NOUN
esutjss-292	223	22	constraint	constraint	NOUN
esutjss-292	223	23	that	that	PRON
esutjss-292	223	24	has	have	AUX
esutjss-292	223	25	in	in	ADP
esutjss-292	223	26	the	the	DET
esutjss-292	223	27	past	past	NOUN
esutjss-292	223	28	limited	limit	VERB
esutjss-292	223	29	the	the	DET
esutjss-292	223	30	growth	growth	NOUN
esutjss-292	223	31	of	of	ADP
esutjss-292	223	32	the	the	DET
esutjss-292	223	33	sme	sme	PROPN
esutjss-292	223	34	.	.	PUNCT
esutjss-292	224	1	the	the	DET
esutjss-292	224	2	faster	fast	ADJ
esutjss-292	224	3	approval	approval	NOUN
esutjss-292	224	4	processes	process	NOUN
esutjss-292	224	5	and	and	CCONJ
esutjss-292	224	6	more	more	ADV
esutjss-292	224	7	accessible	accessible	ADJ
esutjss-292	224	8	qualification	qualification	NOUN
esutjss-292	224	9	criteria	criterion	NOUN
esutjss-292	224	10	of	of	ADP
esutjss-292	224	11	these	these	DET
esutjss-292	224	12	platforms	platform	NOUN
esutjss-292	224	13	enable	enable	VERB
esutjss-292	224	14	smes	sme	NOUN
esutjss-292	224	15	to	to	PART
esutjss-292	224	16	access	access	NOUN
esutjss-292	224	17	capital	capital	NOUN
esutjss-292	224	18	when	when	SCONJ
esutjss-292	224	19	needed	need	VERB
esutjss-292	224	20	for	for	ADP
esutjss-292	224	21	growth	growth	NOUN
esutjss-292	224	22	opportunities	opportunity	NOUN
esutjss-292	224	23	and	and	CCONJ
esutjss-292	224	24	operational	operational	ADJ
esutjss-292	224	25	improvements	improvement	NOUN
esutjss-292	224	26	.	.	PUNCT
esutjss-292	225	1	the	the	DET
esutjss-292	225	2	paper	paper	NOUN
esutjss-292	225	3	finds	find	VERB
esutjss-292	225	4	that	that	SCONJ
esutjss-292	225	5	fintech	fintech	NOUN
esutjss-292	225	6	solutions	solution	NOUN
esutjss-292	225	7	are	be	AUX
esutjss-292	225	8	groundbreaking	groundbreake	VERB
esutjss-292	225	9	technologies	technology	NOUN
esutjss-292	225	10	that	that	PRON
esutjss-292	225	11	can	can	AUX
esutjss-292	225	12	be	be	AUX
esutjss-292	225	13	used	use	VERB
esutjss-292	225	14	to	to	PART
esutjss-292	225	15	develop	develop	VERB
esutjss-292	225	16	smes	sme	NOUN
esutjss-292	225	17	in	in	ADP
esutjss-292	225	18	nigeria	nigeria	PROPN
esutjss-292	225	19	and	and	CCONJ
esutjss-292	225	20	provide	provide	VERB
esutjss-292	225	21	viable	viable	ADJ
esutjss-292	225	22	solutions	solution	NOUN
esutjss-292	225	23	to	to	ADP
esutjss-292	225	24	the	the	DET
esutjss-292	225	25	enduring	endure	VERB
esutjss-292	225	26	issues	issue	NOUN
esutjss-292	225	27	of	of	ADP
esutjss-292	225	28	financial	financial	ADJ
esutjss-292	225	29	management	management	NOUN
esutjss-292	225	30	and	and	CCONJ
esutjss-292	225	31	capital	capital	NOUN
esutjss-292	225	32	accessibility	accessibility	NOUN
esutjss-292	225	33	.	.	PUNCT
esutjss-292	226	1	high	high	ADJ
esutjss-292	226	2	adoption	adoption	NOUN
esutjss-292	226	3	rates	rate	NOUN
esutjss-292	226	4	of	of	ADP
esutjss-292	226	5	mobile	mobile	ADJ
esutjss-292	226	6	payment	payment	NOUN
esutjss-292	226	7	systems	system	NOUN
esutjss-292	226	8	,	,	PUNCT
esutjss-292	226	9	and	and	CCONJ
esutjss-292	226	10	lower	low	ADJ
esutjss-292	226	11	adoption	adoption	NOUN
esutjss-292	226	12	rates	rate	NOUN
esutjss-292	226	13	of	of	ADP
esutjss-292	226	14	digital	digital	ADJ
esutjss-292	226	15	lending	lending	NOUN
esutjss-292	226	16	platforms	platform	NOUN
esutjss-292	226	17	,	,	PUNCT
esutjss-292	226	18	respectively	respectively	ADV
esutjss-292	226	19	,	,	PUNCT
esutjss-292	226	20	provide	provide	VERB
esutjss-292	226	21	evidence	evidence	NOUN
esutjss-292	226	22	of	of	ADP
esutjss-292	226	23	increasing	increase	VERB
esutjss-292	226	24	acceptance	acceptance	NOUN
esutjss-292	226	25	of	of	ADP
esutjss-292	226	26	digital	digital	ADJ
esutjss-292	226	27	financial	financial	ADJ
esutjss-292	226	28	solutions	solution	NOUN
esutjss-292	226	29	among	among	ADP
esutjss-292	226	30	the	the	DET
esutjss-292	226	31	smes	sme	NOUN
esutjss-292	226	32	and	and	CCONJ
esutjss-292	226	33	room	room	NOUN
esutjss-292	226	34	to	to	PART
esutjss-292	226	35	expand	expand	VERB
esutjss-292	226	36	on	on	ADP
esutjss-292	226	37	the	the	DET
esutjss-292	226	38	same	same	ADJ
esutjss-292	226	39	segment	segment	NOUN
esutjss-292	226	40	,	,	PUNCT
esutjss-292	226	41	respectively	respectively	ADV
esutjss-292	226	42	.	.	PUNCT
esutjss-292	227	1	the	the	DET
esutjss-292	227	2	study	study	NOUN
esutjss-292	227	3	has	have	AUX
esutjss-292	227	4	been	be	AUX
esutjss-292	227	5	useful	useful	ADJ
esutjss-292	227	6	in	in	ADP
esutjss-292	227	7	the	the	DET
esutjss-292	227	8	comprehension	comprehension	NOUN
esutjss-292	227	9	of	of	ADP
esutjss-292	227	10	fintech	fintech	NOUN
esutjss-292	227	11	adoption	adoption	NOUN
esutjss-292	227	12	in	in	ADP
esutjss-292	227	13	secondary	secondary	ADJ
esutjss-292	227	14	cities	city	NOUN
esutjss-292	227	15	and	and	CCONJ
esutjss-292	227	16	evidence	evidence	NOUN
esutjss-292	227	17	to	to	PART
esutjss-292	227	18	support	support	VERB
esutjss-292	227	19	the	the	DET
esutjss-292	227	20	policy	policy	NOUN
esutjss-292	227	21	efforts	effort	NOUN
esutjss-292	227	22	that	that	PRON
esutjss-292	227	23	should	should	AUX
esutjss-292	227	24	promote	promote	VERB
esutjss-292	227	25	digital	digital	ADJ
esutjss-292	227	26	financial	financial	ADJ
esutjss-292	227	27	inclusion	inclusion	NOUN
esutjss-292	227	28	.	.	PUNCT
esutjss-292	228	1	the	the	DET
esutjss-292	228	2	findings	finding	NOUN
esutjss-292	228	3	have	have	VERB
esutjss-292	228	4	implications	implication	NOUN
esutjss-292	228	5	for	for	ADP
esutjss-292	228	6	multiple	multiple	ADJ
esutjss-292	228	7	stakeholders	stakeholder	NOUN
esutjss-292	228	8	,	,	PUNCT
esutjss-292	228	9	including	include	VERB
esutjss-292	228	10	sme	sme	NOUN
esutjss-292	228	11	owners	owner	NOUN
esutjss-292	228	12	seeking	seek	VERB
esutjss-292	228	13	to	to	PART
esutjss-292	228	14	improve	improve	VERB
esutjss-292	228	15	their	their	PRON
esutjss-292	228	16	operations	operation	NOUN
esutjss-292	228	17	,	,	PUNCT
esutjss-292	228	18	fintech	fintech	NOUN
esutjss-292	228	19	providers	provider	NOUN
esutjss-292	228	20	developing	develop	VERB
esutjss-292	228	21	products	product	NOUN
esutjss-292	228	22	for	for	ADP
esutjss-292	228	23	this	this	DET
esutjss-292	228	24	market	market	NOUN
esutjss-292	228	25	segment	segment	NOUN
esutjss-292	228	26	,	,	PUNCT
esutjss-292	228	27	and	and	CCONJ
esutjss-292	228	28	policymakers	policymaker	NOUN
esutjss-292	228	29	designing	design	VERB
esutjss-292	228	30	interventions	intervention	NOUN
esutjss-292	228	31	to	to	PART
esutjss-292	228	32	support	support	VERB
esutjss-292	228	33	sme	sme	PROPN
esutjss-292	228	34	development	development	NOUN
esutjss-292	228	35	.	.	PUNCT
esutjss-292	229	1	recommendations	recommendation	NOUN
esutjss-292	229	2	based	base	VERB
esutjss-292	229	3	on	on	ADP
esutjss-292	229	4	the	the	DET
esutjss-292	229	5	findings	finding	NOUN
esutjss-292	229	6	of	of	ADP
esutjss-292	229	7	this	this	DET
esutjss-292	229	8	study	study	NOUN
esutjss-292	229	9	,	,	PUNCT
esutjss-292	229	10	the	the	DET
esutjss-292	229	11	following	follow	VERB
esutjss-292	229	12	recommendations	recommendation	NOUN
esutjss-292	229	13	are	be	AUX
esutjss-292	229	14	proposed	propose	VERB
esutjss-292	229	15	:	:	PUNCT
esutjss-292	229	16	for	for	ADP
esutjss-292	229	17	smes	sme	NOUN
esutjss-292	229	18	:	:	PUNCT
esutjss-292	229	19	1	1	X
esutjss-292	229	20	.	.	X
esutjss-292	229	21	accelerate	accelerate	VERB
esutjss-292	229	22	mobile	mobile	ADJ
esutjss-292	229	23	payment	payment	NOUN
esutjss-292	229	24	adoption	adoption	NOUN
esutjss-292	229	25	:	:	PUNCT
esutjss-292	229	26	smes	sme	NOUN
esutjss-292	229	27	should	should	AUX
esutjss-292	229	28	prioritize	prioritize	VERB
esutjss-292	229	29	the	the	DET
esutjss-292	229	30	adoption	adoption	NOUN
esutjss-292	229	31	of	of	ADP
esutjss-292	229	32	mobile	mobile	ADJ
esutjss-292	229	33	payment	payment	NOUN
esutjss-292	229	34	systems	system	NOUN
esutjss-292	229	35	as	as	ADP
esutjss-292	229	36	a	a	DET
esutjss-292	229	37	foundational	foundational	ADJ
esutjss-292	229	38	fintech	fintech	NOUN
esutjss-292	229	39	solution	solution	NOUN
esutjss-292	229	40	,	,	PUNCT
esutjss-292	229	41	given	give	VERB
esutjss-292	229	42	their	their	PRON
esutjss-292	229	43	strong	strong	ADJ
esutjss-292	229	44	impact	impact	NOUN
esutjss-292	229	45	on	on	ADP
esutjss-292	229	46	financial	financial	ADJ
esutjss-292	229	47	management	management	NOUN
esutjss-292	229	48	efficiency	efficiency	NOUN
esutjss-292	229	49	and	and	CCONJ
esutjss-292	229	50	relatively	relatively	ADV
esutjss-292	229	51	high	high	ADJ
esutjss-292	229	52	adoption	adoption	NOUN
esutjss-292	229	53	rates	rate	NOUN
esutjss-292	229	54	among	among	ADP
esutjss-292	229	55	peers	peer	NOUN
esutjss-292	229	56	.	.	PUNCT
esutjss-292	230	1	2	2	X
esutjss-292	230	2	.	.	X
esutjss-292	230	3	explore	explore	VERB
esutjss-292	230	4	digital	digital	ADJ
esutjss-292	230	5	lending	lending	NOUN
esutjss-292	230	6	opportunities	opportunity	NOUN
esutjss-292	230	7	:	:	PUNCT
esutjss-292	230	8	smes	sme	NOUN
esutjss-292	230	9	should	should	AUX
esutjss-292	230	10	actively	actively	ADV
esutjss-292	230	11	investigate	investigate	VERB
esutjss-292	230	12	digital	digital	ADJ
esutjss-292	230	13	lending	lending	NOUN
esutjss-292	230	14	platforms	platform	NOUN
esutjss-292	230	15	as	as	ADP
esutjss-292	230	16	alternatives	alternative	NOUN
esutjss-292	230	17	to	to	ADP
esutjss-292	230	18	traditional	traditional	ADJ
esutjss-292	230	19	financing	financing	NOUN
esutjss-292	230	20	sources	source	NOUN
esutjss-292	230	21	,	,	PUNCT
esutjss-292	230	22	particularly	particularly	ADV
esutjss-292	230	23	for	for	ADP
esutjss-292	230	24	working	work	VERB
esutjss-292	230	25	capital	capital	NOUN
esutjss-292	230	26	and	and	CCONJ
esutjss-292	230	27	growth	growth	NOUN
esutjss-292	230	28	investments	investment	NOUN
esutjss-292	230	29	where	where	SCONJ
esutjss-292	230	30	speed	speed	NOUN
esutjss-292	230	31	of	of	ADP
esutjss-292	230	32	access	access	NOUN
esutjss-292	230	33	is	be	AUX
esutjss-292	230	34	crucial	crucial	ADJ
esutjss-292	230	35	.	.	PUNCT
esutjss-292	231	1	3	3	X
esutjss-292	231	2	.	.	X
esutjss-292	231	3	invest	invest	VERB
esutjss-292	231	4	in	in	ADP
esutjss-292	231	5	digital	digital	ADJ
esutjss-292	231	6	literacy	literacy	NOUN
esutjss-292	231	7	:	:	PUNCT
esutjss-292	231	8	sme	sme	NOUN
esutjss-292	231	9	owners	owner	NOUN
esutjss-292	231	10	and	and	CCONJ
esutjss-292	231	11	employees	employee	NOUN
esutjss-292	231	12	should	should	AUX
esutjss-292	231	13	develop	develop	VERB
esutjss-292	231	14	digital	digital	ADJ
esutjss-292	231	15	literacy	literacy	NOUN
esutjss-292	231	16	skills	skill	NOUN
esutjss-292	231	17	to	to	PART
esutjss-292	231	18	maximize	maximize	VERB
esutjss-292	231	19	the	the	DET
esutjss-292	231	20	benefits	benefit	NOUN
esutjss-292	231	21	of	of	ADP
esutjss-292	231	22	fintech	fintech	NOUN
esutjss-292	231	23	solutions	solution	NOUN
esutjss-292	231	24	and	and	CCONJ
esutjss-292	231	25	enable	enable	VERB
esutjss-292	231	26	effective	effective	ADJ
esutjss-292	231	27	adoption	adoption	NOUN
esutjss-292	231	28	of	of	ADP
esutjss-292	231	29	more	more	ADV
esutjss-292	231	30	sophisticated	sophisticated	ADJ
esutjss-292	231	31	technologies	technology	NOUN
esutjss-292	231	32	.	.	PUNCT
esutjss-292	232	1	4	4	X
esutjss-292	232	2	.	.	X
esutjss-292	232	3	integrate	integrate	VERB
esutjss-292	232	4	multiple	multiple	ADJ
esutjss-292	232	5	fintech	fintech	NOUN
esutjss-292	232	6	solutions	solution	NOUN
esutjss-292	232	7	:	:	PUNCT
esutjss-292	232	8	rather	rather	ADV
esutjss-292	232	9	than	than	ADP
esutjss-292	232	10	adopting	adopt	VERB
esutjss-292	232	11	individual	individual	ADJ
esutjss-292	232	12	solutions	solution	NOUN
esutjss-292	232	13	in	in	ADP
esutjss-292	232	14	isolation	isolation	NOUN
esutjss-292	232	15	,	,	PUNCT
esutjss-292	232	16	smes	sme	NOUN
esutjss-292	232	17	should	should	AUX
esutjss-292	232	18	consider	consider	VERB
esutjss-292	232	19	integrated	integrated	ADJ
esutjss-292	232	20	fintech	fintech	NOUN
esutjss-292	232	21	strategies	strategy	NOUN
esutjss-292	232	22	that	that	PRON
esutjss-292	232	23	combine	combine	VERB
esutjss-292	232	24	300	300	NUM
esutjss-292	232	25	payment	payment	NOUN
esutjss-292	232	26	systems	system	NOUN
esutjss-292	232	27	,	,	PUNCT
esutjss-292	232	28	lending	lending	NOUN
esutjss-292	232	29	platforms	platform	NOUN
esutjss-292	232	30	,	,	PUNCT
esutjss-292	232	31	and	and	CCONJ
esutjss-292	232	32	financial	financial	ADJ
esutjss-292	232	33	management	management	NOUN
esutjss-292	232	34	tools	tool	NOUN
esutjss-292	232	35	for	for	ADP
esutjss-292	232	36	maximum	maximum	ADJ
esutjss-292	232	37	impact	impact	NOUN
esutjss-292	232	38	.	.	PUNCT
esutjss-292	233	1	for	for	ADP
esutjss-292	233	2	fintech	fintech	NOUN
esutjss-292	233	3	service	service	NOUN
esutjss-292	233	4	providers	provider	NOUN
esutjss-292	233	5	:	:	PUNCT
esutjss-292	233	6	1	1	X
esutjss-292	233	7	.	.	X
esutjss-292	233	8	emphasis	emphasis	NOUN
esutjss-292	233	9	on	on	ADP
esutjss-292	233	10	user	user	NOUN
esutjss-292	233	11	experience	experience	NOUN
esutjss-292	233	12	:	:	PUNCT
esutjss-292	233	13	the	the	DET
esutjss-292	233	14	enthusiasm	enthusiasm	NOUN
esutjss-292	233	15	of	of	ADP
esutjss-292	233	16	the	the	DET
esutjss-292	233	17	providers	provider	NOUN
esutjss-292	233	18	should	should	AUX
esutjss-292	233	19	be	be	AUX
esutjss-292	233	20	on	on	ADP
esutjss-292	233	21	user	user	NOUN
esutjss-292	233	22	-	-	PUNCT
esutjss-292	233	23	friendliness	friendliness	NOUN
esutjss-292	233	24	and	and	CCONJ
esutjss-292	233	25	usability	usability	NOUN
esutjss-292	233	26	to	to	PART
esutjss-292	233	27	overcome	overcome	VERB
esutjss-292	233	28	adoption	adoption	NOUN
esutjss-292	233	29	challenges	challenge	NOUN
esutjss-292	233	30	and	and	CCONJ
esutjss-292	233	31	promote	promote	VERB
esutjss-292	233	32	the	the	DET
esutjss-292	233	33	utilization	utilization	NOUN
esutjss-292	233	34	of	of	ADP
esutjss-292	233	35	the	the	DET
esutjss-292	233	36	technology	technology	NOUN
esutjss-292	233	37	by	by	ADP
esutjss-292	233	38	a	a	DET
esutjss-292	233	39	larger	large	ADJ
esutjss-292	233	40	market	market	NOUN
esutjss-292	233	41	,	,	PUNCT
esutjss-292	233	42	especially	especially	ADV
esutjss-292	233	43	by	by	ADP
esutjss-292	233	44	technologically	technologically	ADV
esutjss-292	233	45	less	less	ADV
esutjss-292	233	46	advanced	advanced	ADJ
esutjss-292	233	47	users	user	NOUN
esutjss-292	233	48	.	.	PUNCT
esutjss-292	234	1	2	2	X
esutjss-292	234	2	.	.	X
esutjss-292	234	3	develop	develop	VERB
esutjss-292	234	4	sme	sme	NOUN
esutjss-292	234	5	-	-	PUNCT
esutjss-292	234	6	specific	specific	ADJ
esutjss-292	234	7	features	feature	NOUN
esutjss-292	234	8	:	:	PUNCT
esutjss-292	234	9	fintech	fintech	NOUN
esutjss-292	234	10	solutions	solution	NOUN
esutjss-292	234	11	should	should	AUX
esutjss-292	234	12	be	be	AUX
esutjss-292	234	13	tailored	tailor	VERB
esutjss-292	234	14	to	to	PART
esutjss-292	234	15	address	address	VERB
esutjss-292	234	16	the	the	DET
esutjss-292	234	17	specific	specific	ADJ
esutjss-292	234	18	needs	need	NOUN
esutjss-292	234	19	and	and	CCONJ
esutjss-292	234	20	challenges	challenge	NOUN
esutjss-292	234	21	of	of	ADP
esutjss-292	234	22	smes	sme	NOUN
esutjss-292	234	23	,	,	PUNCT
esutjss-292	234	24	including	include	VERB
esutjss-292	234	25	sector	sector	NOUN
esutjss-292	234	26	-	-	PUNCT
esutjss-292	234	27	specific	specific	ADJ
esutjss-292	234	28	requirements	requirement	NOUN
esutjss-292	234	29	and	and	CCONJ
esutjss-292	234	30	local	local	ADJ
esutjss-292	234	31	market	market	NOUN
esutjss-292	234	32	conditions	condition	NOUN
esutjss-292	234	33	.	.	PUNCT
esutjss-292	235	1	3	3	X
esutjss-292	235	2	.	.	X
esutjss-292	235	3	enhance	enhance	VERB
esutjss-292	235	4	financial	financial	ADJ
esutjss-292	235	5	education	education	NOUN
esutjss-292	235	6	:	:	PUNCT
esutjss-292	235	7	providers	provider	NOUN
esutjss-292	235	8	should	should	AUX
esutjss-292	235	9	offer	offer	VERB
esutjss-292	235	10	comprehensive	comprehensive	ADJ
esutjss-292	235	11	training	training	NOUN
esutjss-292	235	12	and	and	CCONJ
esutjss-292	235	13	support	support	NOUN
esutjss-292	235	14	programs	program	NOUN
esutjss-292	235	15	to	to	PART
esutjss-292	235	16	help	help	VERB
esutjss-292	235	17	smes	sme	NOUN
esutjss-292	235	18	understand	understand	VERB
esutjss-292	235	19	and	and	CCONJ
esutjss-292	235	20	maximize	maximize	VERB
esutjss-292	235	21	the	the	DET
esutjss-292	235	22	benefits	benefit	NOUN
esutjss-292	235	23	of	of	ADP
esutjss-292	235	24	their	their	PRON
esutjss-292	235	25	solutions	solution	NOUN
esutjss-292	235	26	.	.	PUNCT
esutjss-292	236	1	for	for	ADP
esutjss-292	236	2	policymakers	policymaker	NOUN
esutjss-292	236	3	:	:	PUNCT
esutjss-292	236	4	1	1	X
esutjss-292	236	5	.	.	X
esutjss-292	236	6	support	support	VERB
esutjss-292	236	7	digital	digital	ADJ
esutjss-292	236	8	infrastructure	infrastructure	NOUN
esutjss-292	236	9	:	:	PUNCT
esutjss-292	236	10	government	government	NOUN
esutjss-292	236	11	should	should	AUX
esutjss-292	236	12	continue	continue	VERB
esutjss-292	236	13	investing	invest	VERB
esutjss-292	236	14	in	in	ADP
esutjss-292	236	15	digital	digital	ADJ
esutjss-292	236	16	infrastructure	infrastructure	NOUN
esutjss-292	236	17	development	development	NOUN
esutjss-292	236	18	to	to	PART
esutjss-292	236	19	support	support	VERB
esutjss-292	236	20	fintech	fintech	NOUN
esutjss-292	236	21	adoption	adoption	NOUN
esutjss-292	236	22	,	,	PUNCT
esutjss-292	236	23	particularly	particularly	ADV
esutjss-292	236	24	in	in	ADP
esutjss-292	236	25	secondary	secondary	ADJ
esutjss-292	236	26	cities	city	NOUN
esutjss-292	236	27	like	like	ADP
esutjss-292	236	28	ilorin	ilorin	NOUN
esutjss-292	236	29	.	.	PUNCT
esutjss-292	237	1	2	2	X
esutjss-292	237	2	.	.	X
esutjss-292	237	3	support	support	VERB
esutjss-292	237	4	digital	digital	ADJ
esutjss-292	237	5	financial	financial	ADJ
esutjss-292	237	6	literacy	literacy	NOUN
esutjss-292	237	7	:	:	PUNCT
esutjss-292	237	8	educations	education	NOUN
esutjss-292	237	9	should	should	AUX
esutjss-292	237	10	be	be	AUX
esutjss-292	237	11	created	create	VERB
esutjss-292	237	12	to	to	PART
esutjss-292	237	13	make	make	VERB
esutjss-292	237	14	sme	sme	ADJ
esutjss-292	237	15	owners	owner	NOUN
esutjss-292	237	16	and	and	CCONJ
esutjss-292	237	17	operators	operator	NOUN
esutjss-292	237	18	more	more	ADV
esutjss-292	237	19	technologically	technologically	ADV
esutjss-292	237	20	and	and	CCONJ
esutjss-292	237	21	digitally	digitally	ADV
esutjss-292	237	22	financially	financially	ADV
esutjss-292	237	23	literate	literate	ADJ
esutjss-292	237	24	.	.	PUNCT
esutjss-292	238	1	3	3	X
esutjss-292	238	2	.	.	X
esutjss-292	238	3	sustain	sustain	VERB
esutjss-292	238	4	favourable	favourable	ADJ
esutjss-292	238	5	regulatory	regulatory	ADJ
esutjss-292	238	6	conditions	condition	NOUN
esutjss-292	238	7	:	:	PUNCT
esutjss-292	238	8	regulators	regulator	NOUN
esutjss-292	238	9	ought	ought	AUX
esutjss-292	238	10	to	to	PART
esutjss-292	238	11	proceed	proceed	VERB
esutjss-292	238	12	with	with	ADP
esutjss-292	238	13	creating	create	VERB
esutjss-292	238	14	a	a	DET
esutjss-292	238	15	framework	framework	NOUN
esutjss-292	238	16	that	that	PRON
esutjss-292	238	17	favours	favour	VERB
esutjss-292	238	18	innovation	innovation	NOUN
esutjss-292	238	19	promotion	promotion	NOUN
esutjss-292	238	20	and	and	CCONJ
esutjss-292	238	21	consumer	consumer	NOUN
esutjss-292	238	22	protection	protection	NOUN
esutjss-292	238	23	and	and	CCONJ
esutjss-292	238	24	financial	financial	ADJ
esutjss-292	238	25	stability	stability	NOUN
esutjss-292	238	26	.	.	PUNCT
esutjss-292	239	1	limitations	limitation	NOUN
esutjss-292	239	2	and	and	CCONJ
esutjss-292	239	3	future	future	ADJ
esutjss-292	239	4	research	research	NOUN
esutjss-292	239	5	this	this	DET
esutjss-292	239	6	study	study	NOUN
esutjss-292	239	7	focused	focus	VERB
esutjss-292	239	8	specifically	specifically	ADV
esutjss-292	239	9	on	on	ADP
esutjss-292	239	10	ilorin	ilorin	NOUN
esutjss-292	239	11	,	,	PUNCT
esutjss-292	239	12	which	which	PRON
esutjss-292	239	13	may	may	AUX
esutjss-292	239	14	limit	limit	VERB
esutjss-292	239	15	the	the	DET
esutjss-292	239	16	generalizability	generalizability	NOUN
esutjss-292	239	17	of	of	ADP
esutjss-292	239	18	findings	finding	NOUN
esutjss-292	239	19	to	to	ADP
esutjss-292	239	20	other	other	ADJ
esutjss-292	239	21	contexts	context	NOUN
esutjss-292	239	22	.	.	PUNCT
esutjss-292	240	1	future	future	ADJ
esutjss-292	240	2	research	research	NOUN
esutjss-292	240	3	should	should	AUX
esutjss-292	240	4	examine	examine	VERB
esutjss-292	240	5	fintech	fintech	NOUN
esutjss-292	240	6	adoption	adoption	NOUN
esutjss-292	240	7	patterns	pattern	NOUN
esutjss-292	240	8	in	in	ADP
esutjss-292	240	9	other	other	ADJ
esutjss-292	240	10	secondary	secondary	ADJ
esutjss-292	240	11	cities	city	NOUN
esutjss-292	240	12	and	and	CCONJ
esutjss-292	240	13	rural	rural	ADJ
esutjss-292	240	14	areas	area	NOUN
esutjss-292	240	15	to	to	PART
esutjss-292	240	16	provide	provide	VERB
esutjss-292	240	17	broader	broad	ADJ
esutjss-292	240	18	insights	insight	NOUN
esutjss-292	240	19	into	into	ADP
esutjss-292	240	20	adoption	adoption	NOUN
esutjss-292	240	21	dynamics	dynamic	NOUN
esutjss-292	240	22	across	across	ADP
esutjss-292	240	23	different	different	ADJ
esutjss-292	240	24	geographical	geographical	ADJ
esutjss-292	240	25	contexts	contexts	NOUN
esutjss-292	240	26	.	.	PUNCT
esutjss-292	241	1	the	the	DET
esutjss-292	241	2	cross	cross	ADJ
esutjss-292	241	3	-	-	ADJ
esutjss-292	241	4	sectional	sectional	ADJ
esutjss-292	241	5	design	design	NOUN
esutjss-292	241	6	captured	capture	VERB
esutjss-292	241	7	fintech	fintech	NOUN
esutjss-292	241	8	adoption	adoption	NOUN
esutjss-292	241	9	and	and	CCONJ
esutjss-292	241	10	impacts	impact	NOUN
esutjss-292	241	11	at	at	ADP
esutjss-292	241	12	a	a	DET
esutjss-292	241	13	single	single	ADJ
esutjss-292	241	14	point	point	NOUN
esutjss-292	241	15	in	in	ADP
esutjss-292	241	16	time	time	NOUN
esutjss-292	241	17	.	.	PUNCT
esutjss-292	242	1	longitudinal	longitudinal	ADJ
esutjss-292	242	2	studies	study	NOUN
esutjss-292	242	3	would	would	AUX
esutjss-292	242	4	provide	provide	VERB
esutjss-292	242	5	insights	insight	NOUN
esutjss-292	242	6	into	into	ADP
esutjss-292	242	7	adoption	adoption	NOUN
esutjss-292	242	8	trajectories	trajectory	NOUN
esutjss-292	242	9	and	and	CCONJ
esutjss-292	242	10	long	long	ADJ
esutjss-292	242	11	-	-	PUNCT
esutjss-292	242	12	term	term	NOUN
esutjss-292	242	13	impacts	impact	NOUN
esutjss-292	242	14	of	of	ADP
esutjss-292	242	15	fintech	fintech	NOUN
esutjss-292	242	16	solutions	solution	NOUN
esutjss-292	242	17	on	on	ADP
esutjss-292	242	18	sme	sme	NOUN
esutjss-292	242	19	performance	performance	NOUN
esutjss-292	242	20	.	.	PUNCT
esutjss-292	243	1	future	future	ADJ
esutjss-292	243	2	research	research	NOUN
esutjss-292	243	3	should	should	AUX
esutjss-292	243	4	also	also	ADV
esutjss-292	243	5	investigate	investigate	VERB
esutjss-292	243	6	the	the	DET
esutjss-292	243	7	moderating	moderate	VERB
esutjss-292	243	8	effects	effect	NOUN
esutjss-292	243	9	of	of	ADP
esutjss-292	243	10	factors	factor	NOUN
esutjss-292	243	11	such	such	ADJ
esutjss-292	243	12	as	as	ADP
esutjss-292	243	13	business	business	NOUN
esutjss-292	243	14	sector	sector	NOUN
esutjss-292	243	15	,	,	PUNCT
esutjss-292	243	16	owner	owner	NOUN
esutjss-292	243	17	characteristics	characteristic	NOUN
esutjss-292	243	18	,	,	PUNCT
esutjss-292	243	19	and	and	CCONJ
esutjss-292	243	20	technological	technological	ADJ
esutjss-292	243	21	infrastructure	infrastructure	NOUN
esutjss-292	243	22	on	on	ADP
esutjss-292	243	23	fintech	fintech	NOUN
esutjss-292	243	24	adoption	adoption	NOUN
esutjss-292	243	25	and	and	CCONJ
esutjss-292	243	26	impacts	impact	NOUN
esutjss-292	243	27	.	.	PUNCT
esutjss-292	244	1	additionally	additionally	ADV
esutjss-292	244	2	,	,	PUNCT
esutjss-292	244	3	qualitative	qualitative	ADJ
esutjss-292	244	4	research	research	NOUN
esutjss-292	244	5	approaches	approach	NOUN
esutjss-292	244	6	could	could	AUX
esutjss-292	244	7	provide	provide	VERB
esutjss-292	244	8	deeper	deep	ADJ
esutjss-292	244	9	insights	insight	NOUN
esutjss-292	244	10	into	into	ADP
esutjss-292	244	11	the	the	DET
esutjss-292	244	12	mechanisms	mechanism	NOUN
esutjss-292	244	13	through	through	ADP
esutjss-292	244	14	which	which	PRON
esutjss-292	244	15	fintech	fintech	NOUN
esutjss-292	244	16	solutions	solution	NOUN
esutjss-292	244	17	create	create	VERB
esutjss-292	244	18	value	value	NOUN
esutjss-292	244	19	for	for	ADP
esutjss-292	244	20	smes	sme	NOUN
esutjss-292	244	21	.	.	PUNCT
esutjss-292	245	1	301	301	NUM
esutjss-292	245	2	references	reference	NOUN
esutjss-292	245	3	adegboye	adegboye	PROPN
esutjss-292	245	4	,	,	PUNCT
esutjss-292	245	5	a.	a.	PROPN
esutjss-292	245	6	,	,	PUNCT
esutjss-292	245	7	ojeka	ojeka	PROPN
esutjss-292	245	8	,	,	PUNCT
esutjss-292	245	9	s.	s.	PROPN
esutjss-292	245	10	,	,	PUNCT
esutjss-292	245	11	adegboye	adegboye	PROPN
esutjss-292	245	12	,	,	PUNCT
esutjss-292	245	13	k.	k.	PROPN
esutjss-292	245	14	,	,	PUNCT
esutjss-292	245	15	ebuzor	ebuzor	PROPN
esutjss-292	245	16	,	,	PUNCT
esutjss-292	245	17	e.	e.	PROPN
esutjss-292	245	18	,	,	PUNCT
esutjss-292	245	19	&	&	CCONJ
esutjss-292	245	20	samson	samson	PROPN
esutjss-292	245	21	,	,	PUNCT
esutjss-292	245	22	d.	d.	PROPN
esutjss-292	245	23	(	(	PUNCT
esutjss-292	245	24	2020	2020	NUM
esutjss-292	245	25	)	)	PUNCT
esutjss-292	245	26	.	.	PUNCT
esutjss-292	246	1	firm	firm	ADJ
esutjss-292	246	2	performance	performance	NOUN
esutjss-292	246	3	and	and	CCONJ
esutjss-292	246	4	condensed	condense	VERB
esutjss-292	246	5	corporate	corporate	ADJ
esutjss-292	246	6	governance	governance	NOUN
esutjss-292	246	7	mechanism	mechanism	NOUN
esutjss-292	246	8	:	:	PUNCT
esutjss-292	246	9	evidence	evidence	NOUN
esutjss-292	246	10	of	of	ADP
esutjss-292	246	11	nigerian	nigerian	ADJ
esutjss-292	246	12	financial	financial	ADJ
esutjss-292	246	13	institutions	institution	NOUN
esutjss-292	246	14	.	.	PUNCT
esutjss-292	247	1	business	business	NOUN
esutjss-292	247	2	:	:	PUNCT
esutjss-292	247	3	theory	theory	NOUN
esutjss-292	247	4	and	and	CCONJ
esutjss-292	247	5	practice	practice	NOUN
esutjss-292	247	6	,	,	PUNCT
esutjss-292	247	7	21(1	21(1	NUM
esutjss-292	247	8	)	)	PUNCT
esutjss-292	247	9	,	,	PUNCT
esutjss-292	247	10	334	334	NUM
esutjss-292	247	11	-	-	SYM
esutjss-292	247	12	344	344	NUM
esutjss-292	247	13	.	.	PUNCT
esutjss-292	248	1	alli	alli	PROPN
esutjss-292	248	2	,	,	PUNCT
esutjss-292	248	3	n.	n.	PROPN
esutjss-292	248	4	(	(	PUNCT
esutjss-292	248	5	2025	2025	NUM
esutjss-292	248	6	)	)	PUNCT
esutjss-292	248	7	.	.	PUNCT
esutjss-292	249	1	customer	customer	NOUN
esutjss-292	249	2	-	-	PUNCT
esutjss-292	249	3	centric	centric	NOUN
esutjss-292	249	4	innovation	innovation	NOUN
esutjss-292	249	5	and	and	CCONJ
esutjss-292	249	6	competitive	competitive	ADJ
esutjss-292	249	7	advantage	advantage	NOUN
esutjss-292	249	8	in	in	ADP
esutjss-292	249	9	the	the	DET
esutjss-292	249	10	insurance	insurance	NOUN
esutjss-292	249	11	sector	sector	NOUN
esutjss-292	249	12	.	.	PUNCT
esutjss-292	250	1	alli	alli	PROPN
esutjss-292	250	2	,	,	PUNCT
esutjss-292	250	3	n.	n.	PROPN
esutjss-292	250	4	g.	g.	PROPN
esutjss-292	250	5	,	,	PUNCT
esutjss-292	250	6	&	&	CCONJ
esutjss-292	250	7	ganiyu	ganiyu	PROPN
esutjss-292	250	8	,	,	PUNCT
esutjss-292	250	9	k.	k.	PROPN
esutjss-292	250	10	(	(	PUNCT
esutjss-292	250	11	2021	2021	NUM
esutjss-292	250	12	)	)	PUNCT
esutjss-292	250	13	.	.	PUNCT
esutjss-292	251	1	knowledge	knowledge	NOUN
esutjss-292	251	2	,	,	PUNCT
esutjss-292	251	3	attitude	attitude	NOUN
esutjss-292	251	4	and	and	CCONJ
esutjss-292	251	5	perception	perception	NOUN
esutjss-292	251	6	of	of	ADP
esutjss-292	251	7	artificial	artificial	ADJ
esutjss-292	251	8	intelligence	intelligence	NOUN
esutjss-292	251	9	and	and	CCONJ
esutjss-292	251	10	its	its	PRON
esutjss-292	251	11	application	application	NOUN
esutjss-292	251	12	in	in	ADP
esutjss-292	251	13	the	the	DET
esutjss-292	251	14	key	key	ADJ
esutjss-292	251	15	operations	operation	NOUN
esutjss-292	251	16	of	of	ADP
esutjss-292	251	17	insurance	insurance	NOUN
esutjss-292	251	18	in	in	ADP
esutjss-292	251	19	nigeria	nigeria	PROPN
esutjss-292	251	20	.	.	PUNCT
esutjss-292	252	1	nigerian	nigerian	PROPN
esutjss-292	252	2	journal	journal	PROPN
esutjss-292	252	3	of	of	ADP
esutjss-292	252	4	risk	risk	NOUN
esutjss-292	252	5	and	and	CCONJ
esutjss-292	252	6	insurance	insurance	NOUN
esutjss-292	252	7	,	,	PUNCT
esutjss-292	252	8	11(1	11(1	NUM
esutjss-292	252	9	)	)	PUNCT
esutjss-292	252	10	,	,	PUNCT
esutjss-292	252	11	1	1	NUM
esutjss-292	252	12	-	-	SYM
esutjss-292	252	13	19	19	NUM
esutjss-292	252	14	.	.	PUNCT
esutjss-292	253	1	alli	alli	PROPN
esutjss-292	253	2	,	,	PUNCT
esutjss-292	253	3	n.	n.	PROPN
esutjss-292	253	4	g.	g.	PROPN
esutjss-292	253	5	,	,	PUNCT
esutjss-292	253	6	&	&	CCONJ
esutjss-292	253	7	ganiyu	ganiyu	PROPN
esutjss-292	253	8	,	,	PUNCT
esutjss-292	253	9	k.	k.	PROPN
esutjss-292	253	10	(	(	PUNCT
esutjss-292	253	11	2025	2025	NUM
esutjss-292	253	12	)	)	PUNCT
esutjss-292	253	13	.	.	PUNCT
esutjss-292	254	1	empowering	empower	VERB
esutjss-292	254	2	insurance	insurance	NOUN
esutjss-292	254	3	consumers	consumer	NOUN
esutjss-292	254	4	in	in	ADP
esutjss-292	254	5	nigeria	nigeria	PROPN
esutjss-292	254	6	:	:	PUNCT
esutjss-292	254	7	exploring	explore	VERB
esutjss-292	254	8	the	the	DET
esutjss-292	254	9	interplay	interplay	NOUN
esutjss-292	254	10	between	between	ADP
esutjss-292	254	11	financial	financial	ADJ
esutjss-292	254	12	literacy	literacy	NOUN
esutjss-292	254	13	,	,	PUNCT
esutjss-292	254	14	trust	trust	NOUN
esutjss-292	254	15	,	,	PUNCT
esutjss-292	254	16	and	and	CCONJ
esutjss-292	254	17	decision	decision	NOUN
esutjss-292	254	18	-	-	PUNCT
esutjss-292	254	19	making	making	NOUN
esutjss-292	254	20	.	.	PUNCT
esutjss-292	255	1	the	the	DET
esutjss-292	255	2	journal	journal	NOUN
esutjss-292	255	3	of	of	ADP
esutjss-292	255	4	risk	risk	NOUN
esutjss-292	255	5	management	management	NOUN
esutjss-292	255	6	and	and	CCONJ
esutjss-292	255	7	insurance	insurance	NOUN
esutjss-292	255	8	,	,	PUNCT
esutjss-292	255	9	29(1	29(1	NUM
esutjss-292	255	10	)	)	PUNCT
esutjss-292	255	11	,	,	PUNCT
esutjss-292	255	12	17	17	NUM
esutjss-292	255	13	-	-	SYM
esutjss-292	255	14	46	46	NUM
esutjss-292	255	15	.	.	PUNCT
esutjss-292	256	1	asongu	asongu	PROPN
esutjss-292	256	2	,	,	PUNCT
esutjss-292	256	3	s.	s.	PROPN
esutjss-292	256	4	a.	a.	PROPN
esutjss-292	256	5	,	,	PUNCT
esutjss-292	256	6	&	&	CCONJ
esutjss-292	256	7	odhiambo	odhiambo	PROPN
esutjss-292	256	8	,	,	PUNCT
esutjss-292	256	9	n.	n.	NOUN
esutjss-292	256	10	m.	m.	NOUN
esutjss-292	256	11	(	(	PUNCT
esutjss-292	256	12	2019	2019	NUM
esutjss-292	256	13	)	)	PUNCT
esutjss-292	256	14	.	.	PUNCT
esutjss-292	257	1	challenges	challenge	NOUN
esutjss-292	257	2	of	of	ADP
esutjss-292	257	3	doing	do	VERB
esutjss-292	257	4	business	business	NOUN
esutjss-292	257	5	in	in	ADP
esutjss-292	257	6	africa	africa	PROPN
esutjss-292	257	7	:	:	PUNCT
esutjss-292	257	8	a	a	DET
esutjss-292	257	9	systematic	systematic	ADJ
esutjss-292	257	10	review	review	NOUN
esutjss-292	257	11	.	.	PUNCT
esutjss-292	258	1	journal	journal	PROPN
esutjss-292	258	2	of	of	ADP
esutjss-292	258	3	african	african	ADJ
esutjss-292	258	4	business	business	NOUN
esutjss-292	258	5	,	,	PUNCT
esutjss-292	258	6	20(2	20(2	NUM
esutjss-292	258	7	)	)	PUNCT
esutjss-292	258	8	,	,	PUNCT
esutjss-292	258	9	259	259	NUM
esutjss-292	258	10	-	-	SYM
esutjss-292	258	11	268	268	NUM
esutjss-292	258	12	.	.	PUNCT
esutjss-292	259	1	ayandibu	ayandibu	NOUN
esutjss-292	259	2	,	,	PUNCT
esutjss-292	259	3	a.	a.	NOUN
esutjss-292	259	4	o.	o.	PROPN
esutjss-292	259	5	,	,	PUNCT
esutjss-292	259	6	&	&	CCONJ
esutjss-292	259	7	houghton	houghton	PROPN
esutjss-292	259	8	,	,	PUNCT
esutjss-292	259	9	j.	j.	PROPN
esutjss-292	259	10	(	(	PUNCT
esutjss-292	259	11	2017	2017	NUM
esutjss-292	259	12	)	)	PUNCT
esutjss-292	259	13	.	.	PUNCT
esutjss-292	260	1	the	the	DET
esutjss-292	260	2	role	role	NOUN
esutjss-292	260	3	of	of	ADP
esutjss-292	260	4	small	small	ADJ
esutjss-292	260	5	and	and	CCONJ
esutjss-292	260	6	medium	medium	ADJ
esutjss-292	260	7	scale	scale	NOUN
esutjss-292	260	8	enterprise	enterprise	NOUN
esutjss-292	260	9	in	in	ADP
esutjss-292	260	10	local	local	ADJ
esutjss-292	260	11	economic	economic	ADJ
esutjss-292	260	12	development	development	NOUN
esutjss-292	260	13	(	(	PUNCT
esutjss-292	260	14	led	lead	VERB
esutjss-292	260	15	)	)	PUNCT
esutjss-292	260	16	.	.	PUNCT
esutjss-292	261	1	journal	journal	PROPN
esutjss-292	261	2	of	of	ADP
esutjss-292	261	3	business	business	NOUN
esutjss-292	261	4	and	and	CCONJ
esutjss-292	261	5	retail	retail	ADJ
esutjss-292	261	6	management	management	NOUN
esutjss-292	261	7	research	research	NOUN
esutjss-292	261	8	,	,	PUNCT
esutjss-292	261	9	11(2	11(2	NUM
esutjss-292	261	10	)	)	PUNCT
esutjss-292	261	11	,	,	PUNCT
esutjss-292	261	12	133	133	NUM
esutjss-292	261	13	-	-	SYM
esutjss-292	261	14	139	139	NUM
esutjss-292	261	15	.	.	PUNCT
esutjss-292	262	1	central	central	ADJ
esutjss-292	262	2	bank	bank	PROPN
esutjss-292	262	3	of	of	ADP
esutjss-292	262	4	nigeria	nigeria	PROPN
esutjss-292	262	5	.	.	PUNCT
esutjss-292	263	1	(	(	PUNCT
esutjss-292	263	2	2020	2020	NUM
esutjss-292	263	3	)	)	PUNCT
esutjss-292	263	4	.	.	PUNCT
esutjss-292	264	1	guidelines	guideline	NOUN
esutjss-292	264	2	for	for	ADP
esutjss-292	264	3	mobile	mobile	ADJ
esutjss-292	264	4	money	money	NOUN
esutjss-292	264	5	services	service	NOUN
esutjss-292	264	6	in	in	ADP
esutjss-292	264	7	nigeria	nigeria	PROPN
esutjss-292	264	8	.	.	PUNCT
esutjss-292	265	1	abuja	abuja	PROPN
esutjss-292	265	2	:	:	PUNCT
esutjss-292	265	3	cbn	cbn	PROPN
esutjss-292	265	4	.	.	PUNCT
esutjss-292	266	1	cochran	cochran	PROPN
esutjss-292	266	2	,	,	PUNCT
esutjss-292	266	3	w.	w.	PROPN
esutjss-292	266	4	g.	g.	PROPN
esutjss-292	266	5	(	(	PUNCT
esutjss-292	266	6	1963	1963	NUM
esutjss-292	266	7	)	)	PUNCT
esutjss-292	266	8	.	.	PUNCT
esutjss-292	267	1	sampling	sample	VERB
esutjss-292	267	2	techniques	technique	NOUN
esutjss-292	267	3	(	(	PUNCT
esutjss-292	267	4	2nd	2nd	ADJ
esutjss-292	267	5	ed	ed	NOUN
esutjss-292	267	6	.	.	PUNCT
esutjss-292	267	7	)	)	PUNCT
esutjss-292	267	8	.	.	PUNCT
esutjss-292	268	1	new	new	PROPN
esutjss-292	268	2	york	york	PROPN
esutjss-292	268	3	,	,	PUNCT
esutjss-292	268	4	ny	ny	PROPN
esutjss-292	268	5	:	:	PUNCT
esutjss-292	268	6	john	john	PROPN
esutjss-292	268	7	wiley	wiley	PROPN
esutjss-292	268	8	&	&	CCONJ
esutjss-292	268	9	sons	son	NOUN
esutjss-292	268	10	.	.	PUNCT
esutjss-292	269	1	cohen	cohen	PROPN
esutjss-292	269	2	,	,	PUNCT
esutjss-292	269	3	j.	j.	PROPN
esutjss-292	269	4	(	(	PUNCT
esutjss-292	269	5	1988	1988	NUM
esutjss-292	269	6	)	)	PUNCT
esutjss-292	269	7	.	.	PUNCT
esutjss-292	270	1	statistical	statistical	ADJ
esutjss-292	270	2	power	power	NOUN
esutjss-292	270	3	analysis	analysis	NOUN
esutjss-292	270	4	for	for	ADP
esutjss-292	270	5	the	the	DET
esutjss-292	270	6	behavioral	behavioral	ADJ
esutjss-292	270	7	sciences	science	NOUN
esutjss-292	270	8	(	(	PUNCT
esutjss-292	270	9	2nd	2nd	ADJ
esutjss-292	270	10	ed	ed	NOUN
esutjss-292	270	11	.	.	PUNCT
esutjss-292	270	12	)	)	PUNCT
esutjss-292	270	13	.	.	PUNCT
esutjss-292	271	1	hillsdale	hillsdale	PROPN
esutjss-292	271	2	,	,	PUNCT
esutjss-292	271	3	nj	nj	PROPN
esutjss-292	271	4	:	:	PUNCT
esutjss-292	271	5	lawrence	lawrence	PROPN
esutjss-292	271	6	erlbaum	erlbaum	PROPN
esutjss-292	271	7	associates	associates	PROPN
esutjss-292	271	8	.	.	PUNCT
esutjss-292	272	1	dahlberg	dahlberg	PROPN
esutjss-292	272	2	,	,	PUNCT
esutjss-292	272	3	t.	t.	PROPN
esutjss-292	272	4	,	,	PUNCT
esutjss-292	272	5	guo	guo	PROPN
esutjss-292	272	6	,	,	PUNCT
esutjss-292	272	7	j.	j.	PROPN
esutjss-292	272	8	,	,	PUNCT
esutjss-292	272	9	&	&	CCONJ
esutjss-292	272	10	ondrus	ondrus	PROPN
esutjss-292	272	11	,	,	PUNCT
esutjss-292	272	12	j.	j.	PROPN
esutjss-292	272	13	(	(	PUNCT
esutjss-292	272	14	2015	2015	NUM
esutjss-292	272	15	)	)	PUNCT
esutjss-292	272	16	.	.	PUNCT
esutjss-292	273	1	a	a	DET
esutjss-292	273	2	critical	critical	ADJ
esutjss-292	273	3	review	review	NOUN
esutjss-292	273	4	of	of	ADP
esutjss-292	273	5	mobile	mobile	ADJ
esutjss-292	273	6	payment	payment	NOUN
esutjss-292	273	7	research	research	NOUN
esutjss-292	273	8	.	.	PUNCT
esutjss-292	274	1	electronic	electronic	ADJ
esutjss-292	274	2	commerce	commerce	NOUN
esutjss-292	274	3	research	research	NOUN
esutjss-292	274	4	and	and	CCONJ
esutjss-292	274	5	applications	application	NOUN
esutjss-292	274	6	,	,	PUNCT
esutjss-292	274	7	14(5	14(5	NUM
esutjss-292	274	8	)	)	PUNCT
esutjss-292	274	9	,	,	PUNCT
esutjss-292	274	10	265	265	NUM
esutjss-292	274	11	-	-	SYM
esutjss-292	274	12	284	284	NUM
esutjss-292	274	13	.	.	PUNCT
esutjss-292	275	1	davis	davis	PROPN
esutjss-292	275	2	,	,	PUNCT
esutjss-292	275	3	f.	f.	PROPN
esutjss-292	275	4	d.	d.	PROPN
esutjss-292	275	5	(	(	PUNCT
esutjss-292	275	6	1989	1989	NUM
esutjss-292	275	7	)	)	PUNCT
esutjss-292	275	8	.	.	PUNCT
esutjss-292	276	1	perceived	perceive	VERB
esutjss-292	276	2	usefulness	usefulness	NOUN
esutjss-292	276	3	,	,	PUNCT
esutjss-292	276	4	perceived	perceive	VERB
esutjss-292	276	5	ease	ease	NOUN
esutjss-292	276	6	of	of	ADP
esutjss-292	276	7	use	use	NOUN
esutjss-292	276	8	,	,	PUNCT
esutjss-292	276	9	and	and	CCONJ
esutjss-292	276	10	user	user	NOUN
esutjss-292	276	11	acceptance	acceptance	NOUN
esutjss-292	276	12	of	of	ADP
esutjss-292	276	13	information	information	NOUN
esutjss-292	276	14	technology	technology	NOUN
esutjss-292	276	15	.	.	PUNCT
esutjss-292	277	1	mis	mis	PROPN
esutjss-292	277	2	quarterly	quarterly	PROPN
esutjss-292	277	3	,	,	PUNCT
esutjss-292	277	4	13(3	13(3	NUM
esutjss-292	277	5	)	)	PUNCT
esutjss-292	277	6	,	,	PUNCT
esutjss-292	277	7	319	319	NUM
esutjss-292	277	8	-	-	SYM
esutjss-292	277	9	340	340	NUM
esutjss-292	277	10	.	.	PUNCT
esutjss-292	278	1	field	field	NOUN
esutjss-292	278	2	,	,	PUNCT
esutjss-292	278	3	a.	a.	NOUN
esutjss-292	278	4	(	(	PUNCT
esutjss-292	278	5	2018	2018	NUM
esutjss-292	278	6	)	)	PUNCT
esutjss-292	278	7	.	.	PUNCT
esutjss-292	279	1	discovering	discover	VERB
esutjss-292	279	2	statistics	statistic	NOUN
esutjss-292	279	3	using	use	VERB
esutjss-292	279	4	ibm	ibm	PROPN
esutjss-292	279	5	spss	spss	PROPN
esutjss-292	279	6	statistics	statistic	NOUN
esutjss-292	279	7	(	(	PUNCT
esutjss-292	279	8	5th	5th	ADJ
esutjss-292	279	9	ed	ed	NOUN
esutjss-292	279	10	.	.	PUNCT
esutjss-292	279	11	)	)	PUNCT
esutjss-292	279	12	.	.	PUNCT
esutjss-292	280	1	london	london	PROPN
esutjss-292	280	2	:	:	PUNCT
esutjss-292	280	3	sage	sage	NOUN
esutjss-292	280	4	publications	publication	NOUN
esutjss-292	280	5	.	.	PUNCT
esutjss-292	281	1	gbenga	gbenga	PROPN
esutjss-292	281	2	,	,	PUNCT
esutjss-292	281	3	a.	a.	NOUN
esutjss-292	281	4	n.	n.	NOUN
esutjss-292	281	5	(	(	PUNCT
esutjss-292	281	6	2024	2024	NUM
esutjss-292	281	7	)	)	PUNCT
esutjss-292	281	8	.	.	PUNCT
esutjss-292	282	1	business	business	NOUN
esutjss-292	282	2	risk	risk	NOUN
esutjss-292	282	3	management	management	NOUN
esutjss-292	282	4	ideology	ideology	NOUN
esutjss-292	282	5	and	and	CCONJ
esutjss-292	282	6	entrepreneurial	entrepreneurial	ADJ
esutjss-292	282	7	development	development	NOUN
esutjss-292	282	8	of	of	ADP
esutjss-292	282	9	students	student	NOUN
esutjss-292	282	10	in	in	ADP
esutjss-292	282	11	tertiary	tertiary	ADJ
esutjss-292	282	12	institutions	institution	NOUN
esutjss-292	282	13	in	in	ADP
esutjss-292	282	14	southwestern	southwestern	NOUN
esutjss-292	282	15	,	,	PUNCT
esutjss-292	282	16	nigeria	nigeria	PROPN
esutjss-292	282	17	.	.	PUNCT
esutjss-292	283	1	journal	journal	PROPN
esutjss-292	283	2	of	of	ADP
esutjss-292	283	3	technology	technology	NOUN
esutjss-292	283	4	management	management	NOUN
esutjss-292	283	5	and	and	CCONJ
esutjss-292	283	6	business	business	NOUN
esutjss-292	283	7	,	,	PUNCT
esutjss-292	283	8	11(1	11(1	NUM
esutjss-292	283	9	)	)	PUNCT
esutjss-292	283	10	,	,	PUNCT
esutjss-292	283	11	32	32	NUM
esutjss-292	283	12	-	-	SYM
esutjss-292	283	13	48	48	NUM
esutjss-292	283	14	.	.	PUNCT
esutjss-292	284	1	hair	hair	NOUN
esutjss-292	284	2	,	,	PUNCT
esutjss-292	284	3	j.	j.	PROPN
esutjss-292	284	4	f.	f.	PROPN
esutjss-292	284	5	,	,	PUNCT
esutjss-292	284	6	black	black	PROPN
esutjss-292	284	7	,	,	PUNCT
esutjss-292	284	8	w.	w.	PROPN
esutjss-292	284	9	c.	c.	PROPN
esutjss-292	284	10	,	,	PUNCT
esutjss-292	284	11	babin	babin	PROPN
esutjss-292	284	12	,	,	PUNCT
esutjss-292	284	13	b.	b.	PROPN
esutjss-292	284	14	j.	j.	PROPN
esutjss-292	284	15	,	,	PUNCT
esutjss-292	284	16	&	&	CCONJ
esutjss-292	284	17	anderson	anderson	PROPN
esutjss-292	284	18	,	,	PUNCT
esutjss-292	284	19	r.	r.	PROPN
esutjss-292	284	20	e.	e.	PROPN
esutjss-292	284	21	(	(	PUNCT
esutjss-292	284	22	2019	2019	NUM
esutjss-292	284	23	)	)	PUNCT
esutjss-292	284	24	.	.	PUNCT
esutjss-292	285	1	multivariate	multivariate	NOUN
esutjss-292	285	2	data	datum	NOUN
esutjss-292	285	3	analysis	analysis	NOUN
esutjss-292	285	4	(	(	PUNCT
esutjss-292	285	5	8th	8th	ADJ
esutjss-292	285	6	ed	ed	NOUN
esutjss-292	285	7	.	.	PUNCT
esutjss-292	285	8	)	)	PUNCT
esutjss-292	285	9	.	.	PUNCT
esutjss-292	286	1	boston	boston	PROPN
esutjss-292	286	2	,	,	PUNCT
esutjss-292	286	3	ma	ma	PROPN
esutjss-292	286	4	:	:	PUNCT
esutjss-292	286	5	cengage	cengage	PROPN
esutjss-292	286	6	learning	learning	PROPN
esutjss-292	286	7	.	.	PUNCT
esutjss-292	287	1	302	302	NUM
esutjss-292	287	2	iman	iman	NOUN
esutjss-292	287	3	,	,	PUNCT
esutjss-292	287	4	n.	n.	NOUN
esutjss-292	287	5	(	(	PUNCT
esutjss-292	287	6	2020	2020	NUM
esutjss-292	287	7	)	)	PUNCT
esutjss-292	287	8	.	.	PUNCT
esutjss-292	288	1	the	the	DET
esutjss-292	288	2	rise	rise	NOUN
esutjss-292	288	3	and	and	CCONJ
esutjss-292	288	4	rise	rise	NOUN
esutjss-292	288	5	of	of	ADP
esutjss-292	288	6	financial	financial	ADJ
esutjss-292	288	7	technology	technology	NOUN
esutjss-292	288	8	:	:	PUNCT
esutjss-292	288	9	the	the	DET
esutjss-292	288	10	good	good	NOUN
esutjss-292	288	11	,	,	PUNCT
esutjss-292	288	12	the	the	DET
esutjss-292	288	13	bad	bad	ADJ
esutjss-292	288	14	,	,	PUNCT
esutjss-292	288	15	and	and	CCONJ
esutjss-292	288	16	the	the	DET
esutjss-292	288	17	verdict	verdict	NOUN
esutjss-292	288	18	.	.	PUNCT
esutjss-292	289	1	cogent	cogent	NOUN
esutjss-292	289	2	business	business	PROPN
esutjss-292	289	3	&	&	CCONJ
esutjss-292	289	4	management	management	PROPN
esutjss-292	289	5	,	,	PUNCT
esutjss-292	289	6	7(1	7(1	NUM
esutjss-292	289	7	)	)	PUNCT
esutjss-292	289	8	,	,	PUNCT
esutjss-292	289	9	1725309	1725309	NUM
esutjss-292	289	10	.	.	PUNCT
esutjss-292	290	1	kwara	kwara	PROPN
esutjss-292	290	2	state	state	NOUN
esutjss-292	290	3	government	government	NOUN
esutjss-292	290	4	.	.	PUNCT
esutjss-292	291	1	(	(	PUNCT
esutjss-292	291	2	2022	2022	NUM
esutjss-292	291	3	)	)	PUNCT
esutjss-292	291	4	.	.	PUNCT
esutjss-292	292	1	kwara	kwara	PROPN
esutjss-292	292	2	state	state	PROPN
esutjss-292	292	3	economic	economic	PROPN
esutjss-292	292	4	development	development	NOUN
esutjss-292	292	5	strategy	strategy	NOUN
esutjss-292	292	6	2019	2019	NUM
esutjss-292	292	7	-	-	SYM
esutjss-292	292	8	2023	2023	NUM
esutjss-292	292	9	.	.	PUNCT
esutjss-292	293	1	ilorin	ilorin	NOUN
esutjss-292	293	2	:	:	PUNCT
esutjss-292	293	3	ministry	ministry	NOUN
esutjss-292	293	4	of	of	ADP
esutjss-292	293	5	planning	planning	NOUN
esutjss-292	293	6	and	and	CCONJ
esutjss-292	293	7	economic	economic	ADJ
esutjss-292	293	8	development	development	NOUN
esutjss-292	293	9	.	.	PUNCT
esutjss-292	294	1	national	national	PROPN
esutjss-292	294	2	bureau	bureau	PROPN
esutjss-292	294	3	of	of	ADP
esutjss-292	294	4	statistics	statistic	NOUN
esutjss-292	294	5	.	.	PUNCT
esutjss-292	295	1	(	(	PUNCT
esutjss-292	295	2	2021	2021	NUM
esutjss-292	295	3	)	)	PUNCT
esutjss-292	295	4	.	.	PUNCT
esutjss-292	296	1	micro	micro	PROPN
esutjss-292	296	2	,	,	PUNCT
esutjss-292	296	3	small	small	ADJ
esutjss-292	296	4	and	and	CCONJ
esutjss-292	296	5	medium	medium	ADJ
esutjss-292	296	6	enterprises	enterprise	NOUN
esutjss-292	296	7	survey	survey	NOUN
esutjss-292	296	8	report	report	NOUN
esutjss-292	296	9	.	.	PUNCT
esutjss-292	297	1	abuja	abuja	PROPN
esutjss-292	297	2	:	:	PUNCT
esutjss-292	298	1	nbs	nbs	PROPN
esutjss-292	298	2	.	.	PUNCT
esutjss-292	299	1	national	national	PROPN
esutjss-292	299	2	population	population	PROPN
esutjss-292	299	3	commission	commission	PROPN
esutjss-292	299	4	.	.	PUNCT
esutjss-292	300	1	(	(	PUNCT
esutjss-292	300	2	2021	2021	NUM
esutjss-292	300	3	)	)	PUNCT
esutjss-292	300	4	.	.	PUNCT
esutjss-292	301	1	population	population	NOUN
esutjss-292	301	2	estimates	estimate	NOUN
esutjss-292	301	3	by	by	ADP
esutjss-292	301	4	state	state	NOUN
esutjss-292	301	5	and	and	CCONJ
esutjss-292	301	6	local	local	ADJ
esutjss-292	301	7	government	government	NOUN
esutjss-292	301	8	area	area	NOUN
esutjss-292	301	9	.	.	PUNCT
esutjss-292	302	1	abuja	abuja	PROPN
esutjss-292	302	2	:	:	PUNCT
esutjss-292	302	3	npc	npc	PROPN
esutjss-292	302	4	.	.	PUNCT
esutjss-292	302	5	okpara	okpara	PROPN
esutjss-292	302	6	,	,	PUNCT
esutjss-292	302	7	j.	j.	PROPN
esutjss-292	302	8	o.	o.	PROPN
esutjss-292	302	9	(	(	PUNCT
esutjss-292	302	10	2011	2011	NUM
esutjss-292	302	11	)	)	PUNCT
esutjss-292	302	12	.	.	PUNCT
esutjss-292	303	1	factors	factor	NOUN
esutjss-292	303	2	constraining	constrain	VERB
esutjss-292	303	3	the	the	DET
esutjss-292	303	4	growth	growth	NOUN
esutjss-292	303	5	and	and	CCONJ
esutjss-292	303	6	survival	survival	NOUN
esutjss-292	303	7	of	of	ADP
esutjss-292	303	8	smes	sme	NOUN
esutjss-292	303	9	in	in	ADP
esutjss-292	303	10	nigeria	nigeria	PROPN
esutjss-292	303	11	.	.	PUNCT
esutjss-292	304	1	management	management	NOUN
esutjss-292	304	2	research	research	PROPN
esutjss-292	304	3	review	review	PROPN
esutjss-292	304	4	,	,	PUNCT
esutjss-292	304	5	34(2	34(2	NUM
esutjss-292	304	6	)	)	PUNCT
esutjss-292	304	7	,	,	PUNCT
esutjss-292	304	8	156	156	NUM
esutjss-292	304	9	-	-	SYM
esutjss-292	304	10	171	171	NUM
esutjss-292	304	11	.	.	PUNCT
esutjss-292	305	1	oshodin	oshodin	NOUN
esutjss-292	305	2	,	,	PUNCT
esutjss-292	305	3	o.	o.	PROPN
esutjss-292	305	4	,	,	PUNCT
esutjss-292	305	5	molla	molla	PROPN
esutjss-292	305	6	,	,	PUNCT
esutjss-292	305	7	a.	a.	NOUN
esutjss-292	305	8	,	,	PUNCT
esutjss-292	305	9	karanasios	karanasios	PROPN
esutjss-292	305	10	,	,	PUNCT
esutjss-292	305	11	s.	s.	PROPN
esutjss-292	305	12	,	,	PUNCT
esutjss-292	305	13	&	&	CCONJ
esutjss-292	305	14	hartley	hartley	PROPN
esutjss-292	305	15	,	,	PUNCT
esutjss-292	305	16	k.	k.	PROPN
esutjss-292	305	17	(	(	PUNCT
esutjss-292	305	18	2021	2021	NUM
esutjss-292	305	19	)	)	PUNCT
esutjss-292	305	20	.	.	PUNCT
esutjss-292	306	1	how	how	SCONJ
esutjss-292	306	2	should	should	AUX
esutjss-292	306	3	we	we	PRON
esutjss-292	306	4	theorise	theorise	VERB
esutjss-292	306	5	smart	smart	ADJ
esutjss-292	306	6	city	city	NOUN
esutjss-292	306	7	learning	learning	NOUN
esutjss-292	306	8	?	?	PUNCT
esutjss-292	307	1	a	a	DET
esutjss-292	307	2	meta	meta	ADJ
esutjss-292	307	3	-	-	PUNCT
esutjss-292	307	4	synthesis	synthesis	NOUN
esutjss-292	307	5	of	of	ADP
esutjss-292	307	6	the	the	DET
esutjss-292	307	7	literature	literature	NOUN
esutjss-292	307	8	.	.	PUNCT
esutjss-292	308	1	technological	technological	ADJ
esutjss-292	308	2	forecasting	forecasting	NOUN
esutjss-292	308	3	and	and	CCONJ
esutjss-292	308	4	social	social	ADJ
esutjss-292	308	5	change	change	NOUN
esutjss-292	308	6	,	,	PUNCT
esutjss-292	308	7	164	164	NUM
esutjss-292	308	8	,	,	PUNCT
esutjss-292	308	9	120521	120521	NUM
esutjss-292	308	10	.	.	PUNCT
esutjss-292	309	1	ouma	ouma	PROPN
esutjss-292	309	2	,	,	PUNCT
esutjss-292	309	3	s.	s.	PROPN
esutjss-292	309	4	a.	a.	PROPN
esutjss-292	309	5	,	,	PUNCT
esutjss-292	309	6	odongo	odongo	NOUN
esutjss-292	309	7	,	,	PUNCT
esutjss-292	309	8	t.	t.	NOUN
esutjss-292	309	9	m.	m.	NOUN
esutjss-292	309	10	,	,	PUNCT
esutjss-292	309	11	&	&	CCONJ
esutjss-292	309	12	were	be	AUX
esutjss-292	309	13	,	,	PUNCT
esutjss-292	309	14	m.	m.	NOUN
esutjss-292	309	15	(	(	PUNCT
esutjss-292	309	16	2021	2021	NUM
esutjss-292	309	17	)	)	PUNCT
esutjss-292	309	18	.	.	PUNCT
esutjss-292	310	1	mobile	mobile	ADJ
esutjss-292	310	2	financial	financial	ADJ
esutjss-292	310	3	services	service	NOUN
esutjss-292	310	4	and	and	CCONJ
esutjss-292	310	5	financial	financial	ADJ
esutjss-292	310	6	inclusion	inclusion	NOUN
esutjss-292	310	7	:	:	PUNCT
esutjss-292	310	8	is	be	AUX
esutjss-292	310	9	it	it	PRON
esutjss-292	310	10	a	a	DET
esutjss-292	310	11	boon	boon	NOUN
esutjss-292	310	12	for	for	ADP
esutjss-292	310	13	savings	saving	NOUN
esutjss-292	310	14	mobilization	mobilization	NOUN
esutjss-292	310	15	?	?	PUNCT
esutjss-292	311	1	review	review	NOUN
esutjss-292	311	2	of	of	ADP
esutjss-292	311	3	development	development	NOUN
esutjss-292	311	4	finance	finance	NOUN
esutjss-292	311	5	,	,	PUNCT
esutjss-292	311	6	7(1	7(1	NUM
esutjss-292	311	7	)	)	PUNCT
esutjss-292	311	8	,	,	PUNCT
esutjss-292	311	9	29	29	NUM
esutjss-292	311	10	-	-	SYM
esutjss-292	311	11	35	35	NUM
esutjss-292	311	12	.	.	PUNCT
esutjss-292	311	13	ozili	ozili	NOUN
esutjss-292	311	14	,	,	PUNCT
esutjss-292	311	15	p.	p.	PROPN
esutjss-292	311	16	k.	k.	PROPN
esutjss-292	312	1	(	(	PUNCT
esutjss-292	312	2	2018	2018	NUM
esutjss-292	312	3	)	)	PUNCT
esutjss-292	312	4	.	.	PUNCT
esutjss-292	313	1	impact	impact	NOUN
esutjss-292	313	2	of	of	ADP
esutjss-292	313	3	digital	digital	ADJ
esutjss-292	313	4	finance	finance	NOUN
esutjss-292	313	5	on	on	ADP
esutjss-292	313	6	financial	financial	ADJ
esutjss-292	313	7	inclusion	inclusion	NOUN
esutjss-292	313	8	and	and	CCONJ
esutjss-292	313	9	stability	stability	NOUN
esutjss-292	313	10	.	.	PUNCT
esutjss-292	314	1	borsa	borsa	PROPN
esutjss-292	314	2	istanbul	istanbul	PROPN
esutjss-292	314	3	review	review	PROPN
esutjss-292	314	4	,	,	PUNCT
esutjss-292	314	5	18(4	18(4	NUM
esutjss-292	314	6	)	)	PUNCT
esutjss-292	314	7	,	,	PUNCT
esutjss-292	314	8	329	329	NUM
esutjss-292	314	9	-	-	SYM
esutjss-292	314	10	340	340	NUM
esutjss-292	314	11	.	.	PUNCT
esutjss-292	315	1	ozili	ozili	NOUN
esutjss-292	315	2	,	,	PUNCT
esutjss-292	315	3	p.	p.	PROPN
esutjss-292	315	4	k.	k.	PROPN
esutjss-292	316	1	(	(	PUNCT
esutjss-292	316	2	2020	2020	NUM
esutjss-292	316	3	)	)	PUNCT
esutjss-292	316	4	.	.	PUNCT
esutjss-292	317	1	financial	financial	ADJ
esutjss-292	317	2	inclusion	inclusion	NOUN
esutjss-292	317	3	research	research	NOUN
esutjss-292	317	4	around	around	ADP
esutjss-292	317	5	the	the	DET
esutjss-292	317	6	world	world	NOUN
esutjss-292	317	7	:	:	PUNCT
esutjss-292	317	8	a	a	DET
esutjss-292	317	9	review	review	NOUN
esutjss-292	317	10	.	.	PUNCT
esutjss-292	318	1	forum	forum	NOUN
esutjss-292	318	2	for	for	ADP
esutjss-292	318	3	social	social	ADJ
esutjss-292	318	4	economics	economic	NOUN
esutjss-292	318	5	,	,	PUNCT
esutjss-292	318	6	50(4	50(4	NUM
esutjss-292	318	7	)	)	PUNCT
esutjss-292	318	8	,	,	PUNCT
esutjss-292	318	9	457	457	NUM
esutjss-292	318	10	-	-	SYM
esutjss-292	318	11	479	479	NUM
esutjss-292	318	12	.	.	PUNCT
esutjss-292	319	1	puschmann	puschmann	PROPN
esutjss-292	319	2	,	,	PUNCT
esutjss-292	319	3	t.	t.	PROPN
esutjss-292	319	4	(	(	PUNCT
esutjss-292	319	5	2017	2017	NUM
esutjss-292	319	6	)	)	PUNCT
esutjss-292	319	7	.	.	PUNCT
esutjss-292	320	1	fintech	fintech	NOUN
esutjss-292	320	2	.	.	PUNCT
esutjss-292	321	1	business	business	PROPN
esutjss-292	321	2	&	&	CCONJ
esutjss-292	321	3	information	information	PROPN
esutjss-292	321	4	systems	system	NOUN
esutjss-292	321	5	engineering	engineering	NOUN
esutjss-292	321	6	,	,	PUNCT
esutjss-292	321	7	59(1	59(1	NUM
esutjss-292	321	8	)	)	PUNCT
esutjss-292	321	9	,	,	PUNCT
esutjss-292	321	10	69	69	NUM
esutjss-292	321	11	-	-	SYM
esutjss-292	321	12	76	76	NUM
esutjss-292	321	13	.	.	PUNCT
esutjss-292	322	1	pwc	pwc	PROPN
esutjss-292	322	2	.	.	PUNCT
esutjss-292	323	1	(	(	PUNCT
esutjss-292	323	2	2020	2020	NUM
esutjss-292	323	3	)	)	PUNCT
esutjss-292	323	4	.	.	PUNCT
esutjss-292	324	1	nigeria	nigeria	PROPN
esutjss-292	324	2	fintech	fintech	PROPN
esutjss-292	324	3	census	census	NOUN
esutjss-292	324	4	2020	2020	NUM
esutjss-292	324	5	.	.	PUNCT
esutjss-292	325	1	lagos	lago	NOUN
esutjss-292	325	2	:	:	PUNCT
esutjss-292	325	3	pricewaterhousecoopers	pricewaterhousecooper	NOUN
esutjss-292	325	4	.	.	PUNCT
esutjss-292	326	1	saunders	saunder	NOUN
esutjss-292	326	2	,	,	PUNCT
esutjss-292	326	3	m.	m.	NOUN
esutjss-292	326	4	,	,	PUNCT
esutjss-292	326	5	lewis	lewis	PROPN
esutjss-292	326	6	,	,	PUNCT
esutjss-292	326	7	p.	p.	PROPN
esutjss-292	326	8	,	,	PUNCT
esutjss-292	326	9	&	&	CCONJ
esutjss-292	326	10	thornhill	thornhill	PROPN
esutjss-292	326	11	,	,	PUNCT
esutjss-292	326	12	a.	a.	NOUN
esutjss-292	326	13	(	(	PUNCT
esutjss-292	326	14	2019	2019	NUM
esutjss-292	326	15	)	)	PUNCT
esutjss-292	326	16	.	.	PUNCT
esutjss-292	327	1	research	research	NOUN
esutjss-292	327	2	methods	method	NOUN
esutjss-292	327	3	for	for	ADP
esutjss-292	327	4	business	business	NOUN
esutjss-292	327	5	students	student	NOUN
esutjss-292	327	6	(	(	PUNCT
esutjss-292	327	7	8th	8th	ADJ
esutjss-292	327	8	ed	ed	NOUN
esutjss-292	327	9	.	.	PUNCT
esutjss-292	327	10	)	)	PUNCT
esutjss-292	327	11	.	.	PUNCT
esutjss-292	328	1	london	london	PROPN
esutjss-292	328	2	:	:	PUNCT
esutjss-292	328	3	pearson	pearson	PROPN
esutjss-292	328	4	education	education	PROPN
esutjss-292	328	5	.	.	PUNCT
esutjss-292	329	1	sawilowsky	sawilowsky	PROPN
esutjss-292	329	2	,	,	PUNCT
esutjss-292	329	3	s.	s.	PROPN
esutjss-292	329	4	s.	s.	PROPN
esutjss-292	329	5	(	(	PUNCT
esutjss-292	329	6	2009	2009	NUM
esutjss-292	329	7	)	)	PUNCT
esutjss-292	329	8	.	.	PUNCT
esutjss-292	330	1	new	new	ADJ
esutjss-292	330	2	effect	effect	NOUN
esutjss-292	330	3	size	size	NOUN
esutjss-292	330	4	rules	rule	NOUN
esutjss-292	330	5	of	of	ADP
esutjss-292	330	6	thumb	thumb	NOUN
esutjss-292	330	7	.	.	PUNCT
esutjss-292	331	1	journal	journal	NOUN
esutjss-292	331	2	of	of	ADP
esutjss-292	331	3	modern	modern	ADJ
esutjss-292	331	4	applied	apply	VERB
esutjss-292	331	5	statistical	statistical	ADJ
esutjss-292	331	6	methods	method	NOUN
esutjss-292	331	7	,	,	PUNCT
esutjss-292	331	8	8(2	8(2	NUM
esutjss-292	331	9	)	)	PUNCT
esutjss-292	331	10	,	,	PUNCT
esutjss-292	331	11	597	597	NUM
esutjss-292	331	12	-	-	SYM
esutjss-292	331	13	599	599	NUM
esutjss-292	331	14	.	.	PUNCT
esutjss-292	332	1	senyo	senyo	ADV
esutjss-292	332	2	,	,	PUNCT
esutjss-292	332	3	p.	p.	PROPN
esutjss-292	332	4	k.	k.	PROPN
esutjss-292	332	5	,	,	PUNCT
esutjss-292	332	6	&	&	CCONJ
esutjss-292	332	7	osabutey	osabutey	PROPN
esutjss-292	332	8	,	,	PUNCT
esutjss-292	332	9	e.	e.	PROPN
esutjss-292	332	10	l.	l.	PROPN
esutjss-292	332	11	(	(	PUNCT
esutjss-292	332	12	2020	2020	NUM
esutjss-292	332	13	)	)	PUNCT
esutjss-292	332	14	.	.	PUNCT
esutjss-292	333	1	unearthing	unearth	VERB
esutjss-292	333	2	antecedents	antecedent	NOUN
esutjss-292	333	3	to	to	ADP
esutjss-292	333	4	financial	financial	ADJ
esutjss-292	333	5	inclusion	inclusion	NOUN
esutjss-292	333	6	through	through	ADP
esutjss-292	333	7	fintech	fintech	NOUN
esutjss-292	333	8	innovations	innovation	NOUN
esutjss-292	333	9	.	.	PUNCT
esutjss-292	334	1	technovation	technovation	NOUN
esutjss-292	334	2	,	,	PUNCT
esutjss-292	334	3	98	98	NUM
esutjss-292	334	4	,	,	PUNCT
esutjss-292	334	5	102155	102155	NUM
esutjss-292	334	6	.	.	PUNCT
esutjss-292	335	1	smedan	smedan	PROPN
esutjss-292	335	2	.	.	PUNCT
esutjss-292	336	1	(	(	PUNCT
esutjss-292	336	2	2022	2022	NUM
esutjss-292	336	3	)	)	PUNCT
esutjss-292	336	4	.	.	PUNCT
esutjss-292	337	1	national	national	ADJ
esutjss-292	337	2	survey	survey	NOUN
esutjss-292	337	3	of	of	ADP
esutjss-292	337	4	micro	micro	PROPN
esutjss-292	337	5	,	,	PUNCT
esutjss-292	337	6	small	small	ADJ
esutjss-292	337	7	and	and	CCONJ
esutjss-292	337	8	medium	medium	ADJ
esutjss-292	337	9	enterprises	enterprise	NOUN
esutjss-292	337	10	.	.	PUNCT
esutjss-292	338	1	abuja	abuja	PROPN
esutjss-292	338	2	:	:	PUNCT
esutjss-292	338	3	small	small	ADJ
esutjss-292	338	4	and	and	CCONJ
esutjss-292	338	5	medium	medium	ADJ
esutjss-292	338	6	enterprises	enterprise	NOUN
esutjss-292	338	7	development	development	NOUN
esutjss-292	338	8	agency	agency	PROPN
esutjss-292	338	9	of	of	ADP
esutjss-292	338	10	nigeria	nigeria	PROPN
esutjss-292	338	11	.	.	PUNCT
esutjss-292	339	1	page	page	NOUN
esutjss-292	339	2	7	7	NUM