id	sid	tid	token	lemma	pos
faba-237	1	1	1	1	NUM
faba-237	1	2	finance	finance	NOUN
faba-237	1	3	,	,	PUNCT
faba-237	1	4	accounting	accounting	NOUN
faba-237	1	5	and	and	CCONJ
faba-237	1	6	business	business	NOUN
faba-237	1	7	analysis	analysis	NOUN
faba-237	1	8	volume	volume	NOUN
faba-237	1	9	7	7	NUM
faba-237	1	10	issue	issue	NOUN
faba-237	1	11	1	1	NUM
faba-237	1	12	,	,	PUNCT
faba-237	1	13	2025	2025	NUM
faba-237	1	14	http://faba.bg/	http://faba.bg/	NOUN
faba-237	1	15	issn	issn	VERB
faba-237	1	16	2603	2603	NUM
faba-237	1	17	-	-	SYM
faba-237	1	18	5324	5324	NUM
faba-237	1	19	doi	doi	NOUN
faba-237	1	20	:	:	PUNCT
faba-237	1	21	https://doi.org/10.37075/faba.2025.1.01	https://doi.org/10.37075/faba.2025.1.01	ADJ
faba-237	1	22	determinants	determinant	NOUN
faba-237	1	23	of	of	ADP
faba-237	1	24	fintech	fintech	NOUN
faba-237	1	25	adoption	adoption	NOUN
faba-237	1	26	in	in	ADP
faba-237	1	27	savings	saving	NOUN
faba-237	1	28	and	and	CCONJ
faba-237	1	29	credit	credit	NOUN
faba-237	1	30	cooperatives	cooperative	NOUN
faba-237	1	31	:	:	PUNCT
faba-237	1	32	evidence	evidence	NOUN
faba-237	1	33	from	from	ADP
faba-237	1	34	malawi	malawi	PROPN
faba-237	1	35	reuben	reuben	PROPN
faba-237	1	36	bereckia	bereckia	PROPN
faba-237	1	37	chipeta1	chipeta1	NOUN
faba-237	1	38	,	,	PUNCT
faba-237	1	39	andrew	andrew	PROPN
faba-237	1	40	munthopa	munthopa	PROPN
faba-237	1	41	lipunga2	lipunga2	PROPN
faba-237	1	42	*	*	PROPN
faba-237	1	43	malawi	malawi	PROPN
faba-237	1	44	university	university	PROPN
faba-237	1	45	of	of	ADP
faba-237	1	46	business	business	NOUN
faba-237	1	47	and	and	CCONJ
faba-237	1	48	applied	apply	VERB
faba-237	1	49	sciences1	sciences1	PROPN
faba-237	1	50	malawi	malawi	PROPN
faba-237	1	51	university	university	PROPN
faba-237	1	52	of	of	ADP
faba-237	1	53	business	business	NOUN
faba-237	1	54	and	and	CCONJ
faba-237	1	55	applied	apply	VERB
faba-237	1	56	sciences2	sciences2	NOUN
faba-237	1	57	*	*	PUNCT
faba-237	1	58	corresponding	correspond	VERB
faba-237	1	59	author	author	NOUN
faba-237	1	60	info	info	NOUN
faba-237	1	61	articles	article	NOUN
faba-237	1	62	abstract	abstract	ADJ
faba-237	1	63	history	history	NOUN
faba-237	1	64	article	article	NOUN
faba-237	1	65	:	:	PUNCT
faba-237	1	66	submitted	submit	VERB
faba-237	1	67	14	14	NUM
faba-237	1	68	october	october	PROPN
faba-237	1	69	2024	2024	NUM
faba-237	1	70	revised	revise	VERB
faba-237	1	71	12	12	NUM
faba-237	1	72	january	january	NOUN
faba-237	1	73	2025	2025	NUM
faba-237	1	74	accepted	accept	VERB
faba-237	1	75	11	11	NUM
faba-237	1	76	february	february	PROPN
faba-237	1	77	2025	2025	NUM
faba-237	1	78	purpose	purpose	NOUN
faba-237	1	79	:	:	PUNCT
faba-237	1	80	the	the	DET
faba-237	1	81	study	study	NOUN
faba-237	1	82	examines	examine	VERB
faba-237	1	83	factors	factor	NOUN
faba-237	1	84	influencing	influence	VERB
faba-237	1	85	the	the	DET
faba-237	1	86	adoption	adoption	NOUN
faba-237	1	87	of	of	ADP
faba-237	1	88	fintech	fintech	NOUN
faba-237	1	89	in	in	ADP
faba-237	1	90	savings	saving	NOUN
faba-237	1	91	and	and	CCONJ
faba-237	1	92	credit	credit	NOUN
faba-237	1	93	cooperatives	cooperative	NOUN
faba-237	1	94	(	(	PUNCT
faba-237	1	95	saccos	saccos	PROPN
faba-237	1	96	)	)	PUNCT
faba-237	1	97	using	use	VERB
faba-237	1	98	the	the	DET
faba-237	1	99	unified	unified	ADJ
faba-237	1	100	theory	theory	NOUN
faba-237	1	101	of	of	ADP
faba-237	1	102	use	use	NOUN
faba-237	1	103	and	and	CCONJ
faba-237	1	104	acceptance	acceptance	NOUN
faba-237	1	105	of	of	ADP
faba-237	1	106	technology	technology	NOUN
faba-237	1	107	.	.	PUNCT
faba-237	2	1	methodology	methodology	NOUN
faba-237	2	2	:	:	PUNCT
faba-237	2	3	the	the	DET
faba-237	2	4	study	study	NOUN
faba-237	2	5	adopted	adopt	VERB
faba-237	2	6	a	a	DET
faba-237	2	7	quantitative	quantitative	ADJ
faba-237	2	8	research	research	NOUN
faba-237	2	9	design	design	NOUN
faba-237	2	10	and	and	CCONJ
faba-237	2	11	used	use	VERB
faba-237	2	12	a	a	DET
faba-237	2	13	survey	survey	NOUN
faba-237	2	14	method	method	NOUN
faba-237	2	15	to	to	PART
faba-237	2	16	collect	collect	VERB
faba-237	2	17	data	datum	NOUN
faba-237	2	18	from	from	ADP
faba-237	2	19	saccos	saccos	PROPN
faba-237	2	20	in	in	ADP
faba-237	2	21	malawi	malawi	PROPN
faba-237	2	22	.	.	PUNCT
faba-237	3	1	it	it	PRON
faba-237	3	2	employed	employ	VERB
faba-237	3	3	a	a	DET
faba-237	3	4	probit	probit	NOUN
faba-237	3	5	regression	regression	NOUN
faba-237	3	6	model	model	NOUN
faba-237	3	7	to	to	PART
faba-237	3	8	analyze	analyze	VERB
faba-237	3	9	the	the	DET
faba-237	3	10	data	datum	NOUN
faba-237	3	11	.	.	PUNCT
faba-237	4	1	findings	finding	NOUN
faba-237	4	2	:	:	PUNCT
faba-237	4	3	the	the	DET
faba-237	4	4	results	result	NOUN
faba-237	4	5	indicate	indicate	VERB
faba-237	4	6	that	that	SCONJ
faba-237	4	7	expected	expect	VERB
faba-237	4	8	effort	effort	NOUN
faba-237	4	9	,	,	PUNCT
faba-237	4	10	social	social	ADJ
faba-237	4	11	influence	influence	NOUN
faba-237	4	12	,	,	PUNCT
faba-237	4	13	and	and	CCONJ
faba-237	4	14	facilitating	facilitate	VERB
faba-237	4	15	conditions	condition	NOUN
faba-237	4	16	were	be	AUX
faba-237	4	17	the	the	DET
faba-237	4	18	significant	significant	ADJ
faba-237	4	19	factors	factor	NOUN
faba-237	4	20	whereas	whereas	SCONJ
faba-237	4	21	expected	expect	VERB
faba-237	4	22	performance	performance	NOUN
faba-237	4	23	was	be	AUX
faba-237	4	24	not	not	PART
faba-237	4	25	.	.	PUNCT
faba-237	5	1	further	far	ADV
faba-237	5	2	,	,	PUNCT
faba-237	5	3	facilitating	facilitate	VERB
faba-237	5	4	conditions	condition	NOUN
faba-237	5	5	were	be	AUX
faba-237	5	6	found	find	VERB
faba-237	5	7	to	to	PART
faba-237	5	8	be	be	AUX
faba-237	5	9	more	more	ADV
faba-237	5	10	influential	influential	ADJ
faba-237	5	11	followed	follow	VERB
faba-237	5	12	by	by	ADP
faba-237	5	13	social	social	ADJ
faba-237	5	14	influence	influence	NOUN
faba-237	5	15	and	and	CCONJ
faba-237	5	16	expected	expect	VERB
faba-237	5	17	effort	effort	NOUN
faba-237	5	18	.	.	PUNCT
faba-237	6	1	practical	practical	ADJ
faba-237	6	2	implications	implication	NOUN
faba-237	6	3	:	:	PUNCT
faba-237	6	4	efforts	effort	NOUN
faba-237	6	5	to	to	PART
faba-237	6	6	promote	promote	VERB
faba-237	6	7	fintech	fintech	NOUN
faba-237	6	8	adoption	adoption	NOUN
faba-237	6	9	in	in	ADP
faba-237	6	10	saccos	saccos	PROPN
faba-237	6	11	need	need	VERB
faba-237	6	12	to	to	PART
faba-237	6	13	prioritize	prioritize	VERB
faba-237	6	14	the	the	DET
faba-237	6	15	development	development	NOUN
faba-237	6	16	of	of	ADP
faba-237	6	17	a	a	DET
faba-237	6	18	robust	robust	ADJ
faba-237	6	19	digital	digital	ADJ
faba-237	6	20	ecosystem	ecosystem	NOUN
faba-237	6	21	,	,	PUNCT
faba-237	6	22	that	that	ADV
faba-237	6	23	is	is	ADV
faba-237	6	24	,	,	PUNCT
faba-237	6	25	the	the	DET
faba-237	6	26	facilitating	facilitate	VERB
faba-237	6	27	conditions	condition	NOUN
faba-237	6	28	.	.	PUNCT
faba-237	7	1	originality	originality	NOUN
faba-237	7	2	/	/	SYM
faba-237	7	3	value	value	NOUN
faba-237	7	4	:	:	PUNCT
faba-237	7	5	this	this	PRON
faba-237	7	6	contributes	contribute	VERB
faba-237	7	7	to	to	ADP
faba-237	7	8	the	the	DET
faba-237	7	9	discourse	discourse	NOUN
faba-237	7	10	on	on	ADP
faba-237	7	11	the	the	DET
faba-237	7	12	determinants	determinant	NOUN
faba-237	7	13	of	of	ADP
faba-237	7	14	fintech	fintech	NOUN
faba-237	7	15	adoption	adoption	NOUN
faba-237	7	16	that	that	PRON
faba-237	7	17	has	have	AUX
faba-237	7	18	so	so	ADV
faba-237	7	19	far	far	ADV
faba-237	7	20	provided	provide	VERB
faba-237	7	21	contrasting	contrast	VERB
faba-237	7	22	results	result	NOUN
faba-237	7	23	.	.	PUNCT
faba-237	8	1	further	far	ADV
faba-237	8	2	,	,	PUNCT
faba-237	8	3	this	this	PRON
faba-237	8	4	is	be	AUX
faba-237	8	5	the	the	DET
faba-237	8	6	first	first	ADJ
faba-237	8	7	empirical	empirical	ADJ
faba-237	8	8	study	study	NOUN
faba-237	8	9	on	on	ADP
faba-237	8	10	fintech	fintech	NOUN
faba-237	8	11	adoption	adoption	NOUN
faba-237	8	12	determinants	determinant	NOUN
faba-237	8	13	in	in	ADP
faba-237	8	14	malawi	malawi	PROPN
faba-237	8	15	's	's	PART
faba-237	8	16	saccos	saccos	PROPN
faba-237	8	17	.	.	PROPN
faba-237	8	18	paper	paper	NOUN
faba-237	8	19	type	type	NOUN
faba-237	8	20	:	:	PUNCT
faba-237	8	21	research	research	NOUN
faba-237	8	22	paper	paper	NOUN
faba-237	8	23	keywords	keyword	NOUN
faba-237	8	24	:	:	PUNCT
faba-237	8	25	fintech	fintech	NOUN
faba-237	8	26	,	,	PUNCT
faba-237	8	27	malawi	malawi	PROPN
faba-237	8	28	,	,	PUNCT
faba-237	8	29	savings	saving	NOUN
faba-237	8	30	and	and	CCONJ
faba-237	8	31	credit	credit	NOUN
faba-237	8	32	cooperatives	cooperative	NOUN
faba-237	8	33	jel	jel	PROPN
faba-237	8	34	:	:	PUNCT
faba-237	8	35	g2	g2	PROPN
faba-237	8	36	,	,	PUNCT
faba-237	8	37	g3	g3	PROPN
faba-237	8	38	,	,	PUNCT
faba-237	8	39	m0	m0	NOUN
faba-237	8	40	,	,	PUNCT
faba-237	8	41	m1	m1	PROPN
faba-237	8	42	*	*	PUNCT
faba-237	8	43	address	address	NOUN
faba-237	8	44	correspondence	correspondence	NOUN
faba-237	8	45	:	:	PUNCT
faba-237	8	46	e	e	X
faba-237	8	47	-	-	NOUN
faba-237	8	48	mail	mail	NOUN
faba-237	8	49	:	:	PUNCT
faba-237	8	50	reuben.chipeta@gmail.com1	reuben.chipeta@gmail.com1	PROPN
faba-237	8	51	alipunga@mubas.ac.mw2	alipunga@mubas.ac.mw2	DET
faba-237	8	52	http://faba.bg/	http://faba.bg/	NOUN
faba-237	8	53	https://doi.org/10.37075/faba.2025.1.01	https://doi.org/10.37075/faba.2025.1.01	VERB
faba-237	8	54	https://orcid.org/0009-0004-9821-656x	https://orcid.org/0009-0004-9821-656x	NOUN
faba-237	8	55	https://orcid.org/0000-0003-1712-1311	https://orcid.org/0000-0003-1712-1311	NOUN
faba-237	8	56	reuben	reuben	PROPN
faba-237	8	57	b.	b.	PROPN
faba-237	8	58	chipeta	chipeta	PROPN
faba-237	8	59	,	,	PUNCT
faba-237	8	60	andrew	andrew	PROPN
faba-237	8	61	m.	m.	PROPN
faba-237	8	62	lipunga	lipunga	PROPN
faba-237	8	63	/	/	SYM
faba-237	8	64	finance	finance	NOUN
faba-237	8	65	,	,	PUNCT
faba-237	8	66	accounting	accounting	NOUN
faba-237	8	67	and	and	CCONJ
faba-237	8	68	business	business	NOUN
faba-237	8	69	analysis	analysis	NOUN
faba-237	8	70	,	,	PUNCT
faba-237	8	71	volume	volume	NOUN
faba-237	8	72	7	7	NUM
faba-237	8	73	,	,	PUNCT
faba-237	8	74	issue	issue	NOUN
faba-237	8	75	1	1	NUM
faba-237	8	76	,	,	PUNCT
faba-237	8	77	2025	2025	NUM
faba-237	8	78	2	2	NUM
faba-237	8	79	introduction	introduction	NOUN
faba-237	8	80	financial	financial	ADJ
faba-237	8	81	technology	technology	NOUN
faba-237	8	82	(	(	PUNCT
faba-237	8	83	fintech	fintech	NOUN
faba-237	8	84	)	)	PUNCT
faba-237	8	85	refers	refer	VERB
faba-237	8	86	to	to	ADP
faba-237	8	87	the	the	DET
faba-237	8	88	technological	technological	ADJ
faba-237	8	89	developments	development	NOUN
faba-237	8	90	that	that	PRON
faba-237	8	91	have	have	VERB
faba-237	8	92	the	the	DET
faba-237	8	93	potential	potential	NOUN
faba-237	8	94	to	to	PART
faba-237	8	95	revotionalize	revotionalize	VERB
faba-237	8	96	how	how	SCONJ
faba-237	8	97	financial	financial	ADJ
faba-237	8	98	services	service	NOUN
faba-237	8	99	are	be	AUX
faba-237	8	100	provided	provide	VERB
faba-237	8	101	and	and	CCONJ
faba-237	8	102	inspire	inspire	VERB
faba-237	8	103	the	the	DET
faba-237	8	104	creation	creation	NOUN
faba-237	8	105	of	of	ADP
faba-237	8	106	new	new	ADJ
faba-237	8	107	business	business	NOUN
faba-237	8	108	models	model	NOUN
faba-237	8	109	,	,	PUNCT
faba-237	8	110	apps	app	NOUN
faba-237	8	111	,	,	PUNCT
faba-237	8	112	workflows	workflow	NOUN
faba-237	8	113	,	,	PUNCT
faba-237	8	114	and	and	CCONJ
faba-237	8	115	products	product	NOUN
faba-237	8	116	(	(	PUNCT
faba-237	8	117	world	world	PROPN
faba-237	8	118	bank	bank	NOUN
faba-237	8	119	,	,	PUNCT
faba-237	8	120	2021	2021	NUM
faba-237	8	121	)	)	PUNCT
faba-237	8	122	.	.	PUNCT
faba-237	9	1	it	it	PRON
faba-237	9	2	involves	involve	VERB
faba-237	9	3	leveraging	leverage	VERB
faba-237	9	4	technology	technology	NOUN
faba-237	9	5	to	to	PART
faba-237	9	6	offer	offer	VERB
faba-237	9	7	different	different	ADJ
faba-237	9	8	services	service	NOUN
faba-237	9	9	including	include	VERB
faba-237	9	10	blockchain	blockchain	PROPN
faba-237	9	11	,	,	PUNCT
faba-237	9	12	data	datum	NOUN
faba-237	9	13	analysis	analysis	NOUN
faba-237	9	14	,	,	PUNCT
faba-237	9	15	insurance	insurance	NOUN
faba-237	9	16	,	,	PUNCT
faba-237	9	17	personal	personal	ADJ
faba-237	9	18	finance	finance	NOUN
faba-237	9	19	,	,	PUNCT
faba-237	9	20	wealth	wealth	NOUN
faba-237	9	21	management	management	NOUN
faba-237	9	22	,	,	PUNCT
faba-237	9	23	financial	financial	ADJ
faba-237	9	24	services	service	NOUN
faba-237	9	25	lending	lending	NOUN
faba-237	9	26	,	,	PUNCT
faba-237	9	27	payment	payment	NOUN
faba-237	9	28	solutions	solution	NOUN
faba-237	9	29	,	,	PUNCT
faba-237	9	30	real	real	ADJ
faba-237	9	31	estate	estate	NOUN
faba-237	9	32	,	,	PUNCT
faba-237	9	33	and	and	CCONJ
faba-237	9	34	regulatory	regulatory	ADJ
faba-237	9	35	tech	tech	NOUN
faba-237	9	36	(	(	PUNCT
faba-237	9	37	nanduri	nanduri	NOUN
faba-237	9	38	2021	2021	NUM
faba-237	9	39	)	)	PUNCT
faba-237	9	40	.	.	PUNCT
faba-237	10	1	fintech	fintech	NOUN
faba-237	10	2	offers	offer	VERB
faba-237	10	3	ways	way	NOUN
faba-237	10	4	of	of	ADP
faba-237	10	5	easily	easily	ADV
faba-237	10	6	accessing	access	VERB
faba-237	10	7	banking	banking	NOUN
faba-237	10	8	and	and	CCONJ
faba-237	10	9	financial	financial	ADJ
faba-237	10	10	services	service	NOUN
faba-237	10	11	,	,	PUNCT
faba-237	10	12	and	and	CCONJ
faba-237	10	13	promoting	promote	VERB
faba-237	10	14	financial	financial	ADJ
faba-237	10	15	inclusion	inclusion	NOUN
faba-237	10	16	,	,	PUNCT
faba-237	10	17	especially	especially	ADV
faba-237	10	18	in	in	ADP
faba-237	10	19	developing	develop	VERB
faba-237	10	20	countries	country	NOUN
faba-237	10	21	like	like	ADP
faba-237	10	22	malawi	malawi	PROPN
faba-237	10	23	(	(	PUNCT
faba-237	10	24	evans	evans	PROPN
faba-237	10	25	2018	2018	NUM
faba-237	10	26	)	)	PUNCT
faba-237	10	27	.	.	PUNCT
faba-237	11	1	it	it	PRON
faba-237	11	2	has	have	AUX
faba-237	11	3	changed	change	VERB
faba-237	11	4	how	how	SCONJ
faba-237	11	5	financial	financial	ADJ
faba-237	11	6	services	service	NOUN
faba-237	11	7	and	and	CCONJ
faba-237	11	8	products	product	NOUN
faba-237	11	9	are	be	AUX
faba-237	11	10	produced	produce	VERB
faba-237	11	11	,	,	PUNCT
faba-237	11	12	delivered	deliver	VERB
faba-237	11	13	,	,	PUNCT
faba-237	11	14	and	and	CCONJ
faba-237	11	15	consumed	consume	VERB
faba-237	11	16	(	(	PUNCT
faba-237	11	17	allen	allen	PROPN
faba-237	11	18	et	et	PROPN
faba-237	11	19	al	al	PROPN
faba-237	11	20	.	.	PROPN
faba-237	11	21	2021	2021	NUM
faba-237	11	22	)	)	PUNCT
faba-237	11	23	.	.	PUNCT
faba-237	12	1	for	for	ADP
faba-237	12	2	instance	instance	NOUN
faba-237	12	3	,	,	PUNCT
faba-237	12	4	instead	instead	ADV
faba-237	12	5	of	of	ADP
faba-237	12	6	going	go	VERB
faba-237	12	7	to	to	ADP
faba-237	12	8	the	the	DET
faba-237	12	9	bank	bank	NOUN
faba-237	12	10	or	or	CCONJ
faba-237	12	11	savings	saving	NOUN
faba-237	12	12	and	and	CCONJ
faba-237	12	13	credit	credit	NOUN
faba-237	12	14	cooperative	cooperative	NOUN
faba-237	12	15	(	(	PUNCT
faba-237	12	16	sacco	sacco	PROPN
faba-237	12	17	)	)	PUNCT
faba-237	12	18	or	or	CCONJ
faba-237	12	19	any	any	DET
faba-237	12	20	financial	financial	ADJ
faba-237	12	21	institution	institution	NOUN
faba-237	12	22	office	office	NOUN
faba-237	12	23	physically	physically	ADV
faba-237	12	24	to	to	ADP
faba-237	12	25	access	access	NOUN
faba-237	12	26	services	service	NOUN
faba-237	12	27	,	,	PUNCT
faba-237	12	28	one	one	PRON
faba-237	12	29	may	may	AUX
faba-237	12	30	access	access	VERB
faba-237	12	31	the	the	DET
faba-237	12	32	services	service	NOUN
faba-237	12	33	using	use	VERB
faba-237	12	34	unstructured	unstructured	ADJ
faba-237	12	35	supplementary	supplementary	ADJ
faba-237	12	36	service	service	NOUN
faba-237	12	37	data	datum	NOUN
faba-237	12	38	(	(	PUNCT
faba-237	12	39	ussd	ussd	NOUN
faba-237	12	40	)	)	PUNCT
faba-237	12	41	or	or	CCONJ
faba-237	12	42	online	online	NOUN
faba-237	12	43	,	,	PUNCT
faba-237	12	44	using	use	VERB
faba-237	12	45	the	the	DET
faba-237	12	46	internet	internet	NOUN
faba-237	12	47	provided	provide	VERB
faba-237	12	48	they	they	PRON
faba-237	12	49	have	have	VERB
faba-237	12	50	a	a	DET
faba-237	12	51	phone	phone	NOUN
faba-237	12	52	or	or	CCONJ
faba-237	12	53	a	a	DET
faba-237	12	54	computer	computer	NOUN
faba-237	12	55	.	.	PUNCT
faba-237	13	1	worldwide	worldwide	ADV
faba-237	13	2	,	,	PUNCT
faba-237	13	3	the	the	DET
faba-237	13	4	rate	rate	NOUN
faba-237	13	5	of	of	ADP
faba-237	13	6	adoption	adoption	NOUN
faba-237	13	7	of	of	ADP
faba-237	13	8	fintech	fintech	NOUN
faba-237	13	9	has	have	AUX
faba-237	13	10	gone	go	VERB
faba-237	13	11	up	up	ADV
faba-237	13	12	to	to	ADP
faba-237	13	13	64	64	NUM
faba-237	13	14	%	%	NOUN
faba-237	13	15	and	and	CCONJ
faba-237	13	16	96	96	NUM
faba-237	13	17	%	%	NOUN
faba-237	13	18	of	of	ADP
faba-237	13	19	consumers	consumer	NOUN
faba-237	13	20	are	be	AUX
faba-237	13	21	aware	aware	ADJ
faba-237	13	22	of	of	ADP
faba-237	13	23	these	these	DET
faba-237	13	24	products	product	NOUN
faba-237	13	25	and	and	CCONJ
faba-237	13	26	services	service	NOUN
faba-237	13	27	(	(	PUNCT
faba-237	13	28	hassan	hassan	PROPN
faba-237	13	29	et	et	PROPN
faba-237	13	30	al	al	PROPN
faba-237	13	31	.	.	PROPN
faba-237	13	32	2022	2022	NUM
faba-237	13	33	)	)	PUNCT
faba-237	13	34	.	.	PUNCT
faba-237	14	1	the	the	DET
faba-237	14	2	world	world	PROPN
faba-237	14	3	economic	economic	PROPN
faba-237	14	4	forum	forum	PROPN
faba-237	14	5	projects	project	VERB
faba-237	14	6	that	that	SCONJ
faba-237	14	7	70	70	NUM
faba-237	14	8	%	%	NOUN
faba-237	14	9	of	of	ADP
faba-237	14	10	the	the	DET
faba-237	14	11	world	world	NOUN
faba-237	14	12	’s	’s	PART
faba-237	14	13	new	new	ADJ
faba-237	14	14	value	value	NOUN
faba-237	14	15	will	will	AUX
faba-237	14	16	be	be	AUX
faba-237	14	17	digitally	digitally	ADV
faba-237	14	18	enabled	enable	VERB
faba-237	14	19	in	in	ADP
faba-237	14	20	the	the	DET
faba-237	14	21	next	next	ADJ
faba-237	14	22	ten	ten	NUM
faba-237	14	23	years	year	NOUN
faba-237	14	24	(	(	PUNCT
faba-237	14	25	world	world	PROPN
faba-237	14	26	economic	economic	PROPN
faba-237	14	27	forum	forum	PROPN
faba-237	14	28	,	,	PUNCT
faba-237	14	29	2020	2020	NUM
faba-237	14	30	)	)	PUNCT
faba-237	14	31	.	.	PUNCT
faba-237	15	1	africa	africa	PROPN
faba-237	15	2	has	have	AUX
faba-237	15	3	demonstrated	demonstrate	VERB
faba-237	15	4	acceptance	acceptance	NOUN
faba-237	15	5	in	in	ADP
faba-237	15	6	the	the	DET
faba-237	15	7	use	use	NOUN
faba-237	15	8	of	of	ADP
faba-237	15	9	fintech	fintech	NOUN
faba-237	15	10	products	product	NOUN
faba-237	15	11	.	.	PUNCT
faba-237	16	1	for	for	ADP
faba-237	16	2	example	example	NOUN
faba-237	16	3	,	,	PUNCT
faba-237	16	4	it	it	PRON
faba-237	16	5	is	be	AUX
faba-237	16	6	noted	note	VERB
faba-237	16	7	that	that	SCONJ
faba-237	16	8	as	as	ADP
faba-237	16	9	of	of	ADP
faba-237	16	10	2023	2023	NUM
faba-237	16	11	,	,	PUNCT
faba-237	16	12	68	68	NUM
faba-237	16	13	%	%	NOUN
faba-237	16	14	of	of	ADP
faba-237	16	15	global	global	ADJ
faba-237	16	16	mobile	mobile	ADJ
faba-237	16	17	money	money	NOUN
faba-237	16	18	transactions	transaction	NOUN
faba-237	16	19	by	by	ADP
faba-237	16	20	value	value	NOUN
faba-237	16	21	were	be	AUX
faba-237	16	22	done	do	VERB
faba-237	16	23	in	in	ADP
faba-237	16	24	africa	africa	PROPN
faba-237	16	25	(	(	PUNCT
faba-237	16	26	afcfta	afcfta	PROPN
faba-237	16	27	2023	2023	NUM
faba-237	16	28	)	)	PUNCT
faba-237	16	29	.	.	PUNCT
faba-237	17	1	these	these	DET
faba-237	17	2	evolutions	evolution	NOUN
faba-237	17	3	have	have	AUX
faba-237	17	4	not	not	PART
faba-237	17	5	spared	spare	VERB
faba-237	17	6	malawi	malawi	PROPN
faba-237	17	7	,	,	PUNCT
faba-237	17	8	a	a	DET
faba-237	17	9	country	country	NOUN
faba-237	17	10	in	in	ADP
faba-237	17	11	sub	sub	ADJ
faba-237	17	12	-	-	ADJ
faba-237	17	13	saharan	saharan	ADJ
faba-237	17	14	africa	africa	PROPN
faba-237	17	15	.	.	PUNCT
faba-237	18	1	it	it	PRON
faba-237	18	2	has	have	AUX
faba-237	18	3	been	be	AUX
faba-237	18	4	reported	report	VERB
faba-237	18	5	that	that	SCONJ
faba-237	18	6	access	access	NOUN
faba-237	18	7	to	to	ADP
faba-237	18	8	at	at	ADV
faba-237	18	9	least	least	ADJ
faba-237	18	10	a	a	DET
faba-237	18	11	formal	formal	ADJ
faba-237	18	12	financial	financial	ADJ
faba-237	18	13	product	product	NOUN
faba-237	18	14	increased	increase	VERB
faba-237	18	15	from	from	ADP
faba-237	18	16	34	34	NUM
faba-237	18	17	%	%	NOUN
faba-237	18	18	in	in	ADP
faba-237	18	19	2015	2015	NUM
faba-237	18	20	to	to	PART
faba-237	18	21	45	45	NUM
faba-237	18	22	%	%	NOUN
faba-237	18	23	in	in	ADP
faba-237	18	24	2018	2018	NUM
faba-237	18	25	(	(	PUNCT
faba-237	18	26	finmark	finmark	PROPN
faba-237	18	27	trust	trust	NOUN
faba-237	18	28	2020	2020	NUM
faba-237	18	29	)	)	PUNCT
faba-237	18	30	.	.	PUNCT
faba-237	19	1	this	this	PRON
faba-237	19	2	was	be	AUX
faba-237	19	3	necessitated	necessitate	VERB
faba-237	19	4	by	by	ADP
faba-237	19	5	investments	investment	NOUN
faba-237	19	6	being	be	AUX
faba-237	19	7	made	make	VERB
faba-237	19	8	in	in	ADP
faba-237	19	9	financial	financial	ADJ
faba-237	19	10	technologies	technology	NOUN
faba-237	19	11	like	like	ADP
faba-237	19	12	mobile	mobile	ADJ
faba-237	19	13	money	money	NOUN
faba-237	19	14	services	service	NOUN
faba-237	19	15	.	.	PUNCT
faba-237	20	1	besides	besides	SCONJ
faba-237	20	2	,	,	PUNCT
faba-237	20	3	the	the	DET
faba-237	20	4	same	same	ADJ
faba-237	20	5	investments	investment	NOUN
faba-237	20	6	have	have	AUX
faba-237	20	7	also	also	ADV
faba-237	20	8	been	be	AUX
faba-237	20	9	made	make	VERB
faba-237	20	10	in	in	ADP
faba-237	20	11	banking	bank	VERB
faba-237	20	12	digital	digital	ADJ
faba-237	20	13	payment	payment	NOUN
faba-237	20	14	solutions	solution	NOUN
faba-237	20	15	.	.	PUNCT
faba-237	21	1	savings	saving	NOUN
faba-237	21	2	and	and	CCONJ
faba-237	21	3	credit	credit	NOUN
faba-237	21	4	cooperatives	cooperative	NOUN
faba-237	21	5	(	(	PUNCT
faba-237	21	6	saccos	sacco	NOUN
faba-237	21	7	)	)	PUNCT
faba-237	21	8	have	have	AUX
faba-237	21	9	also	also	ADV
faba-237	21	10	been	be	AUX
faba-237	21	11	adopting	adopt	VERB
faba-237	21	12	fintech	fintech	NOUN
faba-237	21	13	.	.	PUNCT
faba-237	22	1	recently	recently	ADV
faba-237	22	2	,	,	PUNCT
faba-237	22	3	the	the	DET
faba-237	22	4	financial	financial	ADJ
faba-237	22	5	cooperative	cooperative	ADJ
faba-237	22	6	(	(	PUNCT
faba-237	22	7	fincoop	fincoop	NOUN
faba-237	22	8	)	)	PUNCT
faba-237	22	9	sacco	sacco	PROPN
faba-237	22	10	launched	launch	VERB
faba-237	22	11	‘	'	PUNCT
faba-237	22	12	fin	fin	NOUN
faba-237	22	13	mobile	mobile	NOUN
faba-237	22	14	’	'	PUNCT
faba-237	22	15	,	,	PUNCT
faba-237	22	16	which	which	PRON
faba-237	22	17	is	be	AUX
faba-237	22	18	a	a	DET
faba-237	22	19	digital	digital	ADJ
faba-237	22	20	banking	banking	NOUN
faba-237	22	21	application	application	NOUN
faba-237	22	22	specifically	specifically	ADV
faba-237	22	23	designed	design	VERB
faba-237	22	24	for	for	ADP
faba-237	22	25	saccos	sacco	NOUN
faba-237	22	26	.	.	PUNCT
faba-237	23	1	generally	generally	ADV
faba-237	23	2	,	,	PUNCT
faba-237	23	3	the	the	DET
faba-237	23	4	innovations	innovation	NOUN
faba-237	23	5	in	in	ADP
faba-237	23	6	the	the	DET
faba-237	23	7	banking	banking	NOUN
faba-237	23	8	industry	industry	NOUN
faba-237	23	9	have	have	AUX
faba-237	23	10	pushed	push	VERB
faba-237	23	11	other	other	ADJ
faba-237	23	12	financial	financial	ADJ
faba-237	23	13	institutions	institution	NOUN
faba-237	23	14	including	include	VERB
faba-237	23	15	saccos	saccos	PROPN
faba-237	23	16	to	to	PART
faba-237	23	17	adopt	adopt	VERB
faba-237	23	18	innovative	innovative	ADJ
faba-237	23	19	means	mean	NOUN
faba-237	23	20	of	of	ADP
faba-237	23	21	serving	serve	VERB
faba-237	23	22	their	their	PRON
faba-237	23	23	members	member	NOUN
faba-237	23	24	.	.	PUNCT
faba-237	24	1	to	to	ADP
faba-237	24	2	the	the	DET
faba-237	24	3	extent	extent	NOUN
faba-237	24	4	that	that	PRON
faba-237	24	5	saccos	saccos	PROPN
faba-237	24	6	are	be	AUX
faba-237	24	7	partnering	partner	VERB
faba-237	24	8	with	with	ADP
faba-237	24	9	banks	bank	NOUN
faba-237	24	10	and	and	CCONJ
faba-237	24	11	other	other	ADJ
faba-237	24	12	fintech	fintech	NOUN
faba-237	24	13	suppliers	supplier	NOUN
faba-237	24	14	to	to	PART
faba-237	24	15	help	help	VERB
faba-237	24	16	them	they	PRON
faba-237	24	17	incorporate	incorporate	VERB
faba-237	24	18	fintech	fintech	NOUN
faba-237	24	19	services	service	NOUN
faba-237	24	20	in	in	ADP
faba-237	24	21	their	their	PRON
faba-237	24	22	operations	operation	NOUN
faba-237	24	23	.	.	PUNCT
faba-237	25	1	accordingly	accordingly	ADV
faba-237	25	2	,	,	PUNCT
faba-237	25	3	some	some	DET
faba-237	25	4	saccos	sacco	NOUN
faba-237	25	5	have	have	AUX
faba-237	25	6	adopted	adopt	VERB
faba-237	25	7	electronic	electronic	ADJ
faba-237	25	8	banking	banking	NOUN
faba-237	25	9	and	and	CCONJ
faba-237	25	10	mobile	mobile	NOUN
faba-237	25	11	banking	banking	NOUN
faba-237	25	12	services	service	NOUN
faba-237	25	13	(	(	PUNCT
faba-237	25	14	undp	undp	PROPN
faba-237	25	15	malawi	malawi	PROPN
faba-237	25	16	2023	2023	NUM
faba-237	25	17	)	)	PUNCT
faba-237	25	18	.	.	PUNCT
faba-237	26	1	the	the	DET
faba-237	26	2	adoption	adoption	NOUN
faba-237	26	3	of	of	ADP
faba-237	26	4	these	these	DET
faba-237	26	5	technologies	technology	NOUN
faba-237	26	6	is	be	AUX
faba-237	26	7	reforming	reform	VERB
faba-237	26	8	how	how	SCONJ
faba-237	26	9	members	member	NOUN
faba-237	26	10	access	access	NOUN
faba-237	26	11	and	and	CCONJ
faba-237	26	12	the	the	DET
faba-237	26	13	cooperatives	cooperative	NOUN
faba-237	26	14	offer	offer	VERB
faba-237	26	15	financial	financial	ADJ
faba-237	26	16	products	product	NOUN
faba-237	26	17	and	and	CCONJ
faba-237	26	18	services	service	NOUN
faba-237	26	19	(	(	PUNCT
faba-237	26	20	feyen	feyen	NOUN
faba-237	26	21	et	et	PROPN
faba-237	26	22	al	al	PROPN
faba-237	26	23	.	.	PROPN
faba-237	26	24	2023	2023	NUM
faba-237	26	25	)	)	PUNCT
faba-237	26	26	.	.	PUNCT
faba-237	27	1	as	as	ADP
faba-237	27	2	of	of	ADP
faba-237	27	3	september	september	PROPN
faba-237	27	4	2023	2023	NUM
faba-237	27	5	,	,	PUNCT
faba-237	27	6	in	in	ADP
faba-237	27	7	malawi	malawi	PROPN
faba-237	27	8	,	,	PUNCT
faba-237	27	9	forty	forty	NUM
faba-237	27	10	-	-	PUNCT
faba-237	27	11	four	four	NUM
faba-237	27	12	saccos	sacco	NOUN
faba-237	27	13	were	be	AUX
faba-237	27	14	affiliated	affiliate	VERB
faba-237	27	15	with	with	ADP
faba-237	27	16	the	the	DET
faba-237	27	17	malawi	malawi	PROPN
faba-237	27	18	union	union	PROPN
faba-237	27	19	of	of	ADP
faba-237	27	20	savings	saving	NOUN
faba-237	27	21	and	and	CCONJ
faba-237	27	22	credit	credit	NOUN
faba-237	27	23	cooperative	cooperative	NOUN
faba-237	27	24	(	(	PUNCT
faba-237	27	25	muscco	muscco	PROPN
faba-237	27	26	)	)	PUNCT
faba-237	27	27	the	the	DET
faba-237	27	28	mother	mother	NOUN
faba-237	27	29	body	body	NOUN
faba-237	27	30	for	for	ADP
faba-237	27	31	the	the	DET
faba-237	27	32	saccos	saccos	PROPN
faba-237	27	33	in	in	ADP
faba-237	27	34	the	the	DET
faba-237	27	35	country	country	NOUN
faba-237	27	36	.	.	PUNCT
faba-237	28	1	the	the	DET
faba-237	28	2	fortyfour	fortyfour	PROPN
faba-237	28	3	saccos	saccos	PROPN
faba-237	28	4	were	be	AUX
faba-237	28	5	serving	serve	VERB
faba-237	28	6	two	two	NUM
faba-237	28	7	hundred	hundred	NUM
faba-237	28	8	twenty	twenty	NUM
faba-237	28	9	-	-	PUNCT
faba-237	28	10	two	two	NUM
faba-237	28	11	thousand	thousand	NUM
faba-237	28	12	nine	nine	NUM
faba-237	28	13	hundred	hundred	NUM
faba-237	28	14	and	and	CCONJ
faba-237	28	15	eleven	eleven	NUM
faba-237	28	16	members	member	NOUN
faba-237	28	17	(	(	PUNCT
faba-237	28	18	muscco	muscco	NOUN
faba-237	28	19	2023	2023	NUM
faba-237	28	20	)	)	PUNCT
faba-237	28	21	.	.	PUNCT
faba-237	29	1	the	the	DET
faba-237	29	2	number	number	NOUN
faba-237	29	3	represents	represent	VERB
faba-237	29	4	an	an	DET
faba-237	29	5	increase	increase	NOUN
faba-237	29	6	in	in	ADP
faba-237	29	7	both	both	CCONJ
faba-237	29	8	the	the	DET
faba-237	29	9	number	number	NOUN
faba-237	29	10	of	of	ADP
faba-237	29	11	saccos	sacco	NOUN
faba-237	29	12	and	and	CCONJ
faba-237	29	13	membership	membership	NOUN
faba-237	29	14	since	since	SCONJ
faba-237	29	15	2019	2019	NUM
faba-237	29	16	.	.	PUNCT
faba-237	30	1	according	accord	VERB
faba-237	30	2	to	to	ADP
faba-237	30	3	the	the	DET
faba-237	30	4	records	record	NOUN
faba-237	30	5	,	,	PUNCT
faba-237	30	6	in	in	ADP
faba-237	30	7	2019	2019	NUM
faba-237	30	8	,	,	PUNCT
faba-237	30	9	muscco	muscco	NOUN
faba-237	30	10	had	have	VERB
faba-237	30	11	thirty	thirty	NUM
faba-237	30	12	-	-	PUNCT
faba-237	30	13	eight	eight	NUM
faba-237	30	14	affiliates	affiliate	NOUN
faba-237	30	15	that	that	PRON
faba-237	30	16	were	be	AUX
faba-237	30	17	serving	serve	VERB
faba-237	30	18	one	one	NUM
faba-237	30	19	hundred	hundred	NUM
faba-237	30	20	fifteen	fifteen	NUM
faba-237	30	21	thousand	thousand	NUM
faba-237	30	22	one	one	NUM
faba-237	30	23	hundred	hundred	NUM
faba-237	30	24	twenty	twenty	NUM
faba-237	30	25	-	-	PUNCT
faba-237	30	26	one	one	NUM
faba-237	30	27	members	member	NOUN
faba-237	30	28	(	(	PUNCT
faba-237	30	29	finmark	finmark	PROPN
faba-237	30	30	trust	trust	NOUN
faba-237	30	31	2020	2020	NUM
faba-237	30	32	)	)	PUNCT
faba-237	30	33	.	.	PUNCT
faba-237	31	1	despite	despite	SCONJ
faba-237	31	2	the	the	DET
faba-237	31	3	benefits	benefit	NOUN
faba-237	31	4	associated	associate	VERB
faba-237	31	5	with	with	ADP
faba-237	31	6	the	the	DET
faba-237	31	7	adoption	adoption	NOUN
faba-237	31	8	and	and	CCONJ
faba-237	31	9	use	use	NOUN
faba-237	31	10	of	of	ADP
faba-237	31	11	fintech	fintech	NOUN
faba-237	31	12	products	product	NOUN
faba-237	31	13	and	and	CCONJ
faba-237	31	14	services	service	NOUN
faba-237	31	15	,	,	PUNCT
faba-237	31	16	the	the	DET
faba-237	31	17	uptake	uptake	NOUN
faba-237	31	18	of	of	ADP
faba-237	31	19	these	these	DET
faba-237	31	20	products	product	NOUN
faba-237	31	21	and	and	CCONJ
faba-237	31	22	services	service	NOUN
faba-237	31	23	is	be	AUX
faba-237	31	24	still	still	ADV
faba-237	31	25	very	very	ADV
faba-237	31	26	low	low	ADJ
faba-237	31	27	in	in	ADP
faba-237	31	28	malawi	malawi	PROPN
faba-237	31	29	(	(	PUNCT
faba-237	31	30	world	world	PROPN
faba-237	31	31	bank	bank	PROPN
faba-237	31	32	2021	2021	NUM
faba-237	31	33	)	)	PUNCT
faba-237	31	34	.	.	PUNCT
faba-237	32	1	in	in	ADP
faba-237	32	2	particular	particular	ADJ
faba-237	32	3	,	,	PUNCT
faba-237	32	4	finmark	finmark	ADJ
faba-237	32	5	trust	trust	NOUN
faba-237	32	6	(	(	PUNCT
faba-237	32	7	2020	2020	NUM
faba-237	32	8	)	)	PUNCT
faba-237	32	9	found	find	VERB
faba-237	32	10	that	that	SCONJ
faba-237	32	11	most	most	ADJ
faba-237	32	12	payments	payment	NOUN
faba-237	32	13	are	be	AUX
faba-237	32	14	done	do	VERB
faba-237	32	15	in	in	ADP
faba-237	32	16	cash	cash	NOUN
faba-237	32	17	and	and	CCONJ
faba-237	32	18	cheques	cheque	NOUN
faba-237	32	19	in	in	ADP
faba-237	32	20	many	many	ADJ
faba-237	32	21	micro	micro	ADJ
faba-237	32	22	finance	finance	NOUN
faba-237	32	23	institutions	institution	NOUN
faba-237	32	24	(	(	PUNCT
faba-237	32	25	mfi	mfi	PROPN
faba-237	32	26	)	)	PUNCT
faba-237	32	27	and	and	CCONJ
faba-237	32	28	village	village	NOUN
faba-237	32	29	savings	saving	NOUN
faba-237	32	30	and	and	CCONJ
faba-237	32	31	loan	loan	NOUN
faba-237	32	32	associations	association	NOUN
faba-237	32	33	(	(	PUNCT
faba-237	32	34	vslas	vsla	NOUN
faba-237	32	35	)	)	PUNCT
faba-237	32	36	(	(	PUNCT
faba-237	32	37	finmark	finmark	PROPN
faba-237	32	38	trust	trust	NOUN
faba-237	32	39	2020	2020	NUM
faba-237	32	40	)	)	PUNCT
faba-237	32	41	.	.	PUNCT
faba-237	33	1	further	far	ADV
faba-237	33	2	,	,	PUNCT
faba-237	33	3	loan	loan	NOUN
faba-237	33	4	applications	application	NOUN
faba-237	33	5	were	be	AUX
faba-237	33	6	all	all	PRON
faba-237	33	7	still	still	ADV
faba-237	33	8	done	do	VERB
faba-237	33	9	manually	manually	ADV
faba-237	33	10	despite	despite	SCONJ
faba-237	33	11	innovations	innovation	NOUN
faba-237	33	12	.	.	PUNCT
faba-237	34	1	however	however	ADV
faba-237	34	2	,	,	PUNCT
faba-237	34	3	there	there	PRON
faba-237	34	4	are	be	VERB
faba-237	34	5	hardly	hardly	ADV
faba-237	34	6	any	any	DET
faba-237	34	7	studies	study	NOUN
faba-237	34	8	to	to	PART
faba-237	34	9	examine	examine	VERB
faba-237	34	10	this	this	DET
faba-237	34	11	problem	problem	NOUN
faba-237	34	12	.	.	PUNCT
faba-237	35	1	besides	besides	SCONJ
faba-237	35	2	,	,	PUNCT
faba-237	35	3	there	there	PRON
faba-237	35	4	is	be	VERB
faba-237	35	5	a	a	DET
faba-237	35	6	dearth	dearth	NOUN
faba-237	35	7	of	of	ADP
faba-237	35	8	studies	study	NOUN
faba-237	35	9	on	on	ADP
faba-237	35	10	fintech	fintech	NOUN
faba-237	35	11	in	in	ADP
faba-237	35	12	general	general	ADJ
faba-237	35	13	in	in	ADP
faba-237	35	14	malawi	malawi	PROPN
faba-237	35	15	;	;	PUNCT
faba-237	35	16	most	most	ADV
faba-237	35	17	extant	extant	ADJ
faba-237	35	18	studies	study	NOUN
faba-237	35	19	focus	focus	VERB
faba-237	35	20	on	on	ADP
faba-237	35	21	specific	specific	ADJ
faba-237	35	22	products	product	NOUN
faba-237	35	23	and	and	CCONJ
faba-237	35	24	services	service	NOUN
faba-237	35	25	like	like	ADP
faba-237	35	26	internet	internet	NOUN
faba-237	35	27	banking	banking	NOUN
faba-237	35	28	and	and	CCONJ
faba-237	35	29	mobile	mobile	ADJ
faba-237	35	30	money	money	NOUN
faba-237	35	31	,	,	PUNCT
faba-237	35	32	leaving	leave	VERB
faba-237	35	33	other	other	ADJ
faba-237	35	34	products	product	NOUN
faba-237	35	35	or	or	CCONJ
faba-237	35	36	services	service	NOUN
faba-237	35	37	within	within	ADP
faba-237	35	38	the	the	DET
faba-237	35	39	financial	financial	ADJ
faba-237	35	40	technology	technology	NOUN
faba-237	35	41	area	area	NOUN
faba-237	35	42	(	(	PUNCT
faba-237	35	43	chirwa	chirwa	NOUN
faba-237	35	44	2022	2022	NUM
faba-237	35	45	)	)	PUNCT
faba-237	35	46	.	.	PUNCT
faba-237	36	1	in	in	ADP
faba-237	36	2	addition	addition	NOUN
faba-237	36	3	,	,	PUNCT
faba-237	36	4	existing	exist	VERB
faba-237	36	5	studies	study	NOUN
faba-237	36	6	from	from	ADP
faba-237	36	7	other	other	ADJ
faba-237	36	8	countries	country	NOUN
faba-237	36	9	provide	provide	VERB
faba-237	36	10	contrasting	contrast	VERB
faba-237	36	11	results	result	NOUN
faba-237	36	12	regarding	regard	VERB
faba-237	36	13	the	the	DET
faba-237	36	14	factors	factor	NOUN
faba-237	36	15	that	that	PRON
faba-237	36	16	influence	influence	NOUN
faba-237	36	17	fintech	fintech	NOUN
faba-237	36	18	adoption	adoption	NOUN
faba-237	36	19	(	(	PUNCT
faba-237	36	20	kurniasari	kurniasari	PROPN
faba-237	36	21	et	et	PROPN
faba-237	36	22	al	al	PROPN
faba-237	36	23	.	.	PROPN
faba-237	36	24	2023	2023	NUM
faba-237	36	25	;	;	PUNCT
faba-237	36	26	najib	najib	PROPN
faba-237	36	27	et	et	PROPN
faba-237	36	28	al	al	PROPN
faba-237	36	29	.	.	PROPN
faba-237	36	30	2021	2021	NUM
faba-237	36	31	;	;	PUNCT
faba-237	36	32	rosnidah	rosnidah	PROPN
faba-237	36	33	et	et	PROPN
faba-237	36	34	al	al	PROPN
faba-237	36	35	.	.	PROPN
faba-237	36	36	2019	2019	NUM
faba-237	36	37	;	;	PUNCT
faba-237	36	38	hassan	hassan	PROPN
faba-237	36	39	et	et	PROPN
faba-237	36	40	al	al	PROPN
faba-237	36	41	.	.	PROPN
faba-237	36	42	2022	2022	NUM
faba-237	36	43	;	;	PUNCT
faba-237	36	44	rahim	rahim	PROPN
faba-237	36	45	et	et	PROPN
faba-237	36	46	al	al	PROPN
faba-237	36	47	.	.	PROPN
faba-237	36	48	2023	2023	NUM
faba-237	36	49	;	;	PUNCT
faba-237	36	50	sebastián	sebastián	PROPN
faba-237	36	51	et	et	PROPN
faba-237	36	52	al	al	PROPN
faba-237	36	53	.	.	PROPN
faba-237	36	54	2023	2023	NUM
faba-237	36	55	;	;	PUNCT
faba-237	36	56	hasyim	hasyim	NOUN
faba-237	36	57	2022	2022	NUM
faba-237	36	58	)	)	PUNCT
faba-237	36	59	.	.	PUNCT
faba-237	37	1	therefore	therefore	ADV
faba-237	37	2	,	,	PUNCT
faba-237	37	3	this	this	DET
faba-237	37	4	study	study	NOUN
faba-237	37	5	seeks	seek	VERB
faba-237	37	6	to	to	PART
faba-237	37	7	contribute	contribute	VERB
faba-237	37	8	to	to	ADP
faba-237	37	9	filling	fill	VERB
faba-237	37	10	these	these	DET
faba-237	37	11	gaps	gap	NOUN
faba-237	37	12	by	by	ADP
faba-237	37	13	assessing	assess	VERB
faba-237	37	14	the	the	DET
faba-237	37	15	factors	factor	NOUN
faba-237	37	16	that	that	PRON
faba-237	37	17	drive	drive	VERB
faba-237	37	18	the	the	DET
faba-237	37	19	adoption	adoption	NOUN
faba-237	37	20	of	of	ADP
faba-237	37	21	fintech	fintech	NOUN
faba-237	37	22	in	in	ADP
faba-237	37	23	the	the	DET
faba-237	37	24	saccos	sacco	NOUN
faba-237	37	25	.	.	PUNCT
faba-237	38	1	it	it	PRON
faba-237	38	2	is	be	AUX
faba-237	38	3	worth	worth	ADJ
faba-237	38	4	noting	note	VERB
faba-237	38	5	that	that	SCONJ
faba-237	38	6	fintech	fintech	NOUN
faba-237	38	7	and	and	CCONJ
faba-237	38	8	saccos	sacco	NOUN
faba-237	38	9	both	both	PRON
faba-237	38	10	play	play	VERB
faba-237	38	11	a	a	DET
faba-237	38	12	role	role	NOUN
faba-237	38	13	in	in	ADP
faba-237	38	14	improving	improve	VERB
faba-237	38	15	financial	financial	ADJ
faba-237	38	16	inclusion	inclusion	NOUN
faba-237	38	17	in	in	ADP
faba-237	38	18	developing	develop	VERB
faba-237	38	19	countries	country	NOUN
faba-237	38	20	like	like	ADP
faba-237	38	21	malawi	malawi	PROPN
faba-237	38	22	.	.	PUNCT
faba-237	39	1	literature	literature	PROPN
faba-237	39	2	review	review	PROPN
faba-237	39	3	and	and	CCONJ
faba-237	39	4	conceptual	conceptual	ADJ
faba-237	39	5	framework	framework	NOUN
faba-237	39	6	unified	unify	VERB
faba-237	39	7	theory	theory	NOUN
faba-237	39	8	of	of	ADP
faba-237	39	9	acceptance	acceptance	NOUN
faba-237	39	10	and	and	CCONJ
faba-237	39	11	use	use	NOUN
faba-237	39	12	of	of	ADP
faba-237	39	13	technology	technology	NOUN
faba-237	39	14	(	(	PUNCT
faba-237	39	15	utaut	utaut	NOUN
faba-237	39	16	)	)	PUNCT
faba-237	39	17	several	several	ADJ
faba-237	39	18	theories	theory	NOUN
faba-237	39	19	attempt	attempt	VERB
faba-237	39	20	to	to	PART
faba-237	39	21	explain	explain	VERB
faba-237	39	22	why	why	SCONJ
faba-237	39	23	one	one	PRON
faba-237	39	24	adopts	adopt	VERB
faba-237	39	25	or	or	CCONJ
faba-237	39	26	does	do	AUX
faba-237	39	27	not	not	PART
faba-237	39	28	adopt	adopt	VERB
faba-237	39	29	a	a	DET
faba-237	39	30	particular	particular	ADJ
faba-237	39	31	technology	technology	NOUN
faba-237	39	32	.	.	PUNCT
faba-237	40	1	these	these	PRON
faba-237	40	2	include	include	VERB
faba-237	40	3	the	the	DET
faba-237	40	4	theory	theory	NOUN
faba-237	40	5	of	of	ADP
faba-237	40	6	reasoned	reason	VERB
faba-237	40	7	actions	action	NOUN
faba-237	40	8	(	(	PUNCT
faba-237	40	9	tra	tra	NOUN
faba-237	40	10	)	)	PUNCT
faba-237	40	11	,	,	PUNCT
faba-237	40	12	theory	theory	NOUN
faba-237	40	13	of	of	ADP
faba-237	40	14	planned	plan	VERB
faba-237	40	15	behaviour	behaviour	NOUN
faba-237	40	16	(	(	PUNCT
faba-237	40	17	tpb	tpb	NOUN
faba-237	40	18	)	)	PUNCT
faba-237	40	19	,	,	PUNCT
faba-237	40	20	technology	technology	NOUN
faba-237	40	21	acceptance	acceptance	NOUN
faba-237	40	22	model	model	NOUN
faba-237	40	23	(	(	PUNCT
faba-237	40	24	tam	tam	PROPN
faba-237	40	25	)	)	PUNCT
faba-237	40	26	,	,	PUNCT
faba-237	40	27	technology	technology	NOUN
faba-237	40	28	acceptance	acceptance	NOUN
faba-237	40	29	model	model	NOUN
faba-237	40	30	2	2	NUM
faba-237	40	31	(	(	PUNCT
faba-237	40	32	tam	tam	NOUN
faba-237	40	33	2	2	NUM
faba-237	40	34	)	)	PUNCT
faba-237	40	35	,	,	PUNCT
faba-237	40	36	technology	technology	NOUN
faba-237	40	37	acceptance	acceptance	NOUN
faba-237	40	38	model	model	NOUN
faba-237	40	39	3	3	NUM
faba-237	40	40	(	(	PUNCT
faba-237	40	41	tam	tam	NOUN
faba-237	40	42	3	3	NUM
faba-237	40	43	)	)	PUNCT
faba-237	40	44	,	,	PUNCT
faba-237	40	45	innovation	innovation	NOUN
faba-237	40	46	diffusion	diffusion	NOUN
faba-237	40	47	theory	theory	NOUN
faba-237	40	48	(	(	PUNCT
faba-237	40	49	idt	idt	PROPN
faba-237	40	50	)	)	PUNCT
faba-237	40	51	,	,	PUNCT
faba-237	40	52	unified	unified	ADJ
faba-237	40	53	theory	theory	NOUN
faba-237	40	54	of	of	ADP
faba-237	40	55	acceptance	acceptance	NOUN
faba-237	40	56	and	and	CCONJ
faba-237	40	57	use	use	NOUN
faba-237	40	58	of	of	ADP
faba-237	40	59	technology	technology	NOUN
faba-237	40	60	(	(	PUNCT
faba-237	40	61	utaut	utaut	NOUN
faba-237	40	62	)	)	PUNCT
faba-237	40	63	among	among	ADP
faba-237	40	64	others	other	NOUN
faba-237	40	65	(	(	PUNCT
faba-237	40	66	makongoro	makongoro	PROPN
faba-237	40	67	2014	2014	NUM
faba-237	40	68	)	)	PUNCT
faba-237	40	69	.	.	PUNCT
faba-237	41	1	however	however	ADV
faba-237	41	2	,	,	PUNCT
faba-237	41	3	this	this	DET
faba-237	41	4	study	study	NOUN
faba-237	41	5	uses	use	VERB
faba-237	41	6	the	the	DET
faba-237	41	7	utaut	utaut	PROPN
faba-237	41	8	model	model	NOUN
faba-237	41	9	.	.	PUNCT
faba-237	42	1	the	the	DET
faba-237	42	2	model	model	NOUN
faba-237	42	3	was	be	AUX
faba-237	42	4	adopted	adopt	VERB
faba-237	42	5	due	due	ADP
faba-237	42	6	to	to	ADP
faba-237	42	7	its	its	PRON
faba-237	42	8	predictive	predictive	ADJ
faba-237	42	9	power	power	NOUN
faba-237	42	10	and	and	CCONJ
faba-237	42	11	existing	exist	VERB
faba-237	42	12	empirical	empirical	ADJ
faba-237	42	13	evidence	evidence	NOUN
faba-237	42	14	of	of	ADP
faba-237	42	15	its	its	PRON
faba-237	42	16	reliability	reliability	NOUN
faba-237	42	17	of	of	ADP
faba-237	42	18	results	result	NOUN
faba-237	42	19	it	it	PRON
faba-237	42	20	produces	produce	VERB
faba-237	42	21	(	(	PUNCT
faba-237	42	22	papagiannidis	papagiannidis	NOUN
faba-237	42	23	2022	2022	NUM
faba-237	42	24	)	)	PUNCT
faba-237	42	25	.	.	PUNCT
faba-237	43	1	reuben	reuben	PROPN
faba-237	43	2	b.	b.	PROPN
faba-237	43	3	chipeta	chipeta	PROPN
faba-237	43	4	,	,	PUNCT
faba-237	43	5	andrew	andrew	PROPN
faba-237	43	6	m.	m.	PROPN
faba-237	43	7	lipunga	lipunga	PROPN
faba-237	43	8	/	/	SYM
faba-237	43	9	finance	finance	NOUN
faba-237	43	10	,	,	PUNCT
faba-237	43	11	accounting	accounting	NOUN
faba-237	43	12	and	and	CCONJ
faba-237	43	13	business	business	NOUN
faba-237	43	14	analysis	analysis	NOUN
faba-237	43	15	,	,	PUNCT
faba-237	43	16	volume	volume	NOUN
faba-237	43	17	7	7	NUM
faba-237	43	18	,	,	PUNCT
faba-237	43	19	issue	issue	NOUN
faba-237	43	20	1	1	NUM
faba-237	43	21	,	,	PUNCT
faba-237	43	22	2025	2025	NUM
faba-237	43	23	3	3	NUM
faba-237	43	24	the	the	DET
faba-237	43	25	theory	theory	NOUN
faba-237	43	26	was	be	AUX
faba-237	43	27	developed	develop	VERB
faba-237	43	28	by	by	ADP
faba-237	43	29	venkatesh	venkatesh	PROPN
faba-237	43	30	et	et	PROPN
faba-237	43	31	al	al	PROPN
faba-237	43	32	.	.	PROPN
faba-237	44	1	(	(	PUNCT
faba-237	44	2	2003	2003	NUM
faba-237	44	3	)	)	PUNCT
faba-237	44	4	.	.	PUNCT
faba-237	45	1	it	it	PRON
faba-237	45	2	was	be	AUX
faba-237	45	3	developed	develop	VERB
faba-237	45	4	to	to	PART
faba-237	45	5	get	get	VERB
faba-237	45	6	a	a	DET
faba-237	45	7	holistic	holistic	ADJ
faba-237	45	8	understanding	understanding	NOUN
faba-237	45	9	of	of	ADP
faba-237	45	10	what	what	PRON
faba-237	45	11	influences	influence	VERB
faba-237	45	12	the	the	DET
faba-237	45	13	adoption	adoption	NOUN
faba-237	45	14	of	of	ADP
faba-237	45	15	technologies	technology	NOUN
faba-237	45	16	.	.	PUNCT
faba-237	46	1	it	it	PRON
faba-237	46	2	was	be	AUX
faba-237	46	3	developed	develop	VERB
faba-237	46	4	after	after	ADP
faba-237	46	5	integrating	integrate	VERB
faba-237	46	6	eight	eight	NUM
faba-237	46	7	theories	theory	NOUN
faba-237	46	8	which	which	PRON
faba-237	46	9	include	include	VERB
faba-237	46	10	theory	theory	NOUN
faba-237	46	11	of	of	ADP
faba-237	46	12	reasoned	reason	VERB
faba-237	46	13	action	action	NOUN
faba-237	46	14	(	(	PUNCT
faba-237	46	15	tra	tra	NOUN
faba-237	46	16	)	)	PUNCT
faba-237	46	17	,	,	PUNCT
faba-237	46	18	the	the	DET
faba-237	46	19	theory	theory	NOUN
faba-237	46	20	of	of	ADP
faba-237	46	21	planned	plan	VERB
faba-237	46	22	behaviour	behaviour	NOUN
faba-237	46	23	(	(	PUNCT
faba-237	46	24	tpb	tpb	NOUN
faba-237	46	25	)	)	PUNCT
faba-237	46	26	,	,	PUNCT
faba-237	46	27	the	the	DET
faba-237	46	28	technology	technology	NOUN
faba-237	46	29	acceptance	acceptance	NOUN
faba-237	46	30	model(tam	model(tam	PROPN
faba-237	46	31	)	)	PUNCT
faba-237	46	32	,	,	PUNCT
faba-237	46	33	the	the	DET
faba-237	46	34	motivational	motivational	ADJ
faba-237	46	35	model	model	NOUN
faba-237	46	36	(	(	PUNCT
faba-237	46	37	mm	mm	PROPN
faba-237	46	38	)	)	PUNCT
faba-237	46	39	,	,	PUNCT
faba-237	46	40	the	the	DET
faba-237	46	41	combined	combined	ADJ
faba-237	46	42	theory	theory	NOUN
faba-237	46	43	of	of	ADP
faba-237	46	44	planned	plan	VERB
faba-237	46	45	behaviour	behaviour	NOUN
faba-237	46	46	and	and	CCONJ
faba-237	46	47	technology	technology	NOUN
faba-237	46	48	acceptance	acceptance	NOUN
faba-237	46	49	model	model	NOUN
faba-237	46	50	(	(	PUNCT
faba-237	46	51	ctpb	ctpb	NOUN
faba-237	46	52	-	-	PUNCT
faba-237	46	53	tam	tam	NOUN
faba-237	46	54	)	)	PUNCT
faba-237	46	55	,	,	PUNCT
faba-237	46	56	model	model	NOUN
faba-237	46	57	of	of	ADP
faba-237	46	58	pc	pc	NOUN
faba-237	46	59	utilisation	utilisation	NOUN
faba-237	46	60	(	(	PUNCT
faba-237	46	61	mpcu	mpcu	NOUN
faba-237	46	62	)	)	PUNCT
faba-237	46	63	,	,	PUNCT
faba-237	46	64	innovation	innovation	NOUN
faba-237	46	65	diffusion	diffusion	NOUN
faba-237	46	66	theory	theory	NOUN
faba-237	46	67	(	(	PUNCT
faba-237	46	68	idt	idt	PROPN
faba-237	46	69	)	)	PUNCT
faba-237	46	70	and	and	CCONJ
faba-237	46	71	social	social	ADJ
faba-237	46	72	cognitive	cognitive	ADJ
faba-237	46	73	theory	theory	NOUN
faba-237	46	74	(	(	PUNCT
faba-237	46	75	sct	sct	PROPN
faba-237	46	76	)	)	PUNCT
faba-237	46	77	(	(	PUNCT
faba-237	46	78	williams	williams	PROPN
faba-237	46	79	,	,	PUNCT
faba-237	46	80	2015	2015	NUM
faba-237	46	81	;	;	PUNCT
faba-237	46	82	venkatesh	venkatesh	PROPN
faba-237	46	83	et	et	PROPN
faba-237	46	84	al	al	PROPN
faba-237	46	85	.	.	PROPN
faba-237	46	86	2003	2003	NUM
faba-237	46	87	)	)	PUNCT
faba-237	46	88	.	.	PUNCT
faba-237	47	1	these	these	DET
faba-237	47	2	theories	theory	NOUN
faba-237	47	3	were	be	AUX
faba-237	47	4	developed	develop	VERB
faba-237	47	5	in	in	ADP
faba-237	47	6	different	different	ADJ
faba-237	47	7	fields	field	NOUN
faba-237	47	8	.	.	PUNCT
faba-237	48	1	for	for	ADP
faba-237	48	2	example	example	NOUN
faba-237	48	3	,	,	PUNCT
faba-237	48	4	tra	tra	NOUN
faba-237	48	5	,	,	PUNCT
faba-237	48	6	tpb	tpb	NOUN
faba-237	48	7	,	,	PUNCT
faba-237	48	8	and	and	CCONJ
faba-237	48	9	mm	mm	PROPN
faba-237	48	10	were	be	AUX
faba-237	48	11	developed	develop	VERB
faba-237	48	12	in	in	ADP
faba-237	48	13	the	the	DET
faba-237	48	14	social	social	ADJ
faba-237	48	15	psychology	psychology	NOUN
faba-237	48	16	fields	field	NOUN
faba-237	48	17	whilst	whilst	SCONJ
faba-237	48	18	tam	tam	PROPN
faba-237	48	19	,	,	PUNCT
faba-237	48	20	ctpb	ctpb	NOUN
faba-237	48	21	-	-	PUNCT
faba-237	48	22	tam	tam	NOUN
faba-237	48	23	,	,	PUNCT
faba-237	48	24	and	and	CCONJ
faba-237	48	25	mpcu	mpcu	NOUN
faba-237	48	26	were	be	AUX
faba-237	48	27	developed	develop	VERB
faba-237	48	28	in	in	ADP
faba-237	48	29	the	the	DET
faba-237	48	30	social	social	ADJ
faba-237	48	31	field	field	NOUN
faba-237	48	32	.	.	PUNCT
faba-237	49	1	social	social	ADJ
faba-237	49	2	cognitive	cognitive	ADJ
faba-237	49	3	theory	theory	NOUN
faba-237	49	4	and	and	CCONJ
faba-237	49	5	idt	idt	PROPN
faba-237	49	6	were	be	AUX
faba-237	49	7	developed	develop	VERB
faba-237	49	8	in	in	ADP
faba-237	49	9	social	social	ADJ
faba-237	49	10	sciences	science	NOUN
faba-237	49	11	fields	field	NOUN
faba-237	49	12	.	.	PUNCT
faba-237	50	1	by	by	ADP
faba-237	50	2	integrating	integrate	VERB
faba-237	50	3	these	these	DET
faba-237	50	4	models	model	NOUN
faba-237	50	5	and	and	CCONJ
faba-237	50	6	theories	theory	NOUN
faba-237	50	7	,	,	PUNCT
faba-237	50	8	utaut	utaut	PROPN
faba-237	50	9	took	take	VERB
faba-237	50	10	into	into	ADP
faba-237	50	11	account	account	NOUN
faba-237	50	12	all	all	DET
faba-237	50	13	their	their	PRON
faba-237	50	14	limitations	limitation	NOUN
faba-237	50	15	and	and	CCONJ
faba-237	50	16	worked	work	VERB
faba-237	50	17	on	on	ADP
faba-237	50	18	them	they	PRON
faba-237	50	19	whilst	whilst	SCONJ
faba-237	50	20	taking	take	VERB
faba-237	50	21	advantage	advantage	NOUN
faba-237	50	22	of	of	ADP
faba-237	50	23	their	their	PRON
faba-237	50	24	merits	merit	NOUN
faba-237	50	25	.	.	PUNCT
faba-237	51	1	thirty	thirty	NUM
faba-237	51	2	-	-	PUNCT
faba-237	51	3	two	two	NUM
faba-237	51	4	variables	variable	NOUN
faba-237	51	5	were	be	AUX
faba-237	51	6	used	use	VERB
faba-237	51	7	to	to	PART
faba-237	51	8	develop	develop	VERB
faba-237	51	9	the	the	DET
faba-237	51	10	utaut	utaut	PROPN
faba-237	51	11	model	model	NOUN
faba-237	51	12	and	and	CCONJ
faba-237	51	13	these	these	PRON
faba-237	51	14	were	be	AUX
faba-237	51	15	fused	fuse	VERB
faba-237	51	16	into	into	ADP
faba-237	51	17	four	four	NUM
faba-237	51	18	variables	variable	NOUN
faba-237	51	19	which	which	PRON
faba-237	51	20	are	be	AUX
faba-237	51	21	social	social	ADJ
faba-237	51	22	influence	influence	NOUN
faba-237	51	23	,	,	PUNCT
faba-237	51	24	expected	expect	VERB
faba-237	51	25	performance	performance	NOUN
faba-237	51	26	,	,	PUNCT
faba-237	51	27	facilitating	facilitate	VERB
faba-237	51	28	conditions	condition	NOUN
faba-237	51	29	,	,	PUNCT
faba-237	51	30	and	and	CCONJ
faba-237	51	31	expected	expect	VERB
faba-237	51	32	effort	effort	NOUN
faba-237	51	33	(	(	PUNCT
faba-237	51	34	aziz	aziz	PROPN
faba-237	51	35	et	et	PROPN
faba-237	51	36	al	al	PROPN
faba-237	51	37	.	.	PROPN
faba-237	51	38	,	,	PUNCT
faba-237	51	39	2020	2020	NUM
faba-237	51	40	)	)	PUNCT
faba-237	51	41	.	.	PUNCT
faba-237	52	1	williams	williams	PROPN
faba-237	52	2	et	et	PROPN
faba-237	52	3	al	al	PROPN
faba-237	52	4	.	.	PROPN
faba-237	53	1	(	(	PUNCT
faba-237	53	2	2015	2015	NUM
faba-237	53	3	)	)	PUNCT
faba-237	53	4	pointed	point	VERB
faba-237	53	5	out	out	ADP
faba-237	53	6	that	that	SCONJ
faba-237	53	7	these	these	DET
faba-237	53	8	four	four	NUM
faba-237	53	9	constructs	construct	NOUN
faba-237	53	10	directly	directly	ADV
faba-237	53	11	influence	influence	VERB
faba-237	53	12	behavioral	behavioral	ADJ
faba-237	53	13	intention	intention	NOUN
faba-237	53	14	to	to	PART
faba-237	53	15	use	use	VERB
faba-237	53	16	as	as	ADV
faba-237	53	17	well	well	ADV
faba-237	53	18	as	as	ADP
faba-237	53	19	usage	usage	NOUN
faba-237	53	20	itself	itself	PRON
faba-237	53	21	.	.	PUNCT
faba-237	54	1	numerous	numerous	ADJ
faba-237	54	2	prior	prior	ADJ
faba-237	54	3	studies	study	NOUN
faba-237	54	4	on	on	ADP
faba-237	54	5	the	the	DET
faba-237	54	6	adoption	adoption	NOUN
faba-237	54	7	of	of	ADP
faba-237	54	8	technologies	technology	NOUN
faba-237	54	9	,	,	PUNCT
faba-237	54	10	innovations	innovation	NOUN
faba-237	54	11	,	,	PUNCT
faba-237	54	12	or	or	CCONJ
faba-237	54	13	systems	system	NOUN
faba-237	54	14	have	have	AUX
faba-237	54	15	used	use	VERB
faba-237	54	16	the	the	DET
faba-237	54	17	theory	theory	NOUN
faba-237	54	18	(	(	PUNCT
faba-237	54	19	papagiannidis	papagiannidis	NOUN
faba-237	54	20	2022	2022	NUM
faba-237	54	21	)	)	PUNCT
faba-237	54	22	.	.	PUNCT
faba-237	55	1	accordingly	accordingly	ADV
faba-237	55	2	,	,	PUNCT
faba-237	55	3	this	this	DET
faba-237	55	4	study	study	NOUN
faba-237	55	5	uses	use	VERB
faba-237	55	6	the	the	DET
faba-237	55	7	four	four	NUM
faba-237	55	8	constructs	construct	NOUN
faba-237	55	9	to	to	PART
faba-237	55	10	examine	examine	VERB
faba-237	55	11	the	the	DET
faba-237	55	12	determinants	determinant	NOUN
faba-237	55	13	of	of	ADP
faba-237	55	14	fintech	fintech	NOUN
faba-237	55	15	adoption	adoption	NOUN
faba-237	55	16	in	in	ADP
faba-237	55	17	saccos	sacco	NOUN
faba-237	55	18	.	.	PUNCT
faba-237	56	1	expected	expect	VERB
faba-237	56	2	effort	effort	NOUN
faba-237	56	3	venkatesh	venkatesh	PROPN
faba-237	56	4	et	et	PROPN
faba-237	56	5	al	al	PROPN
faba-237	56	6	.	.	PROPN
faba-237	57	1	(	(	PUNCT
faba-237	57	2	2012	2012	NUM
faba-237	57	3	)	)	PUNCT
faba-237	57	4	define	define	VERB
faba-237	57	5	expected	expect	VERB
faba-237	57	6	effort	effort	NOUN
faba-237	57	7	as	as	ADP
faba-237	57	8	the	the	DET
faba-237	57	9	degree	degree	NOUN
faba-237	57	10	of	of	ADP
faba-237	57	11	use	use	NOUN
faba-237	57	12	associated	associate	VERB
faba-237	57	13	with	with	ADP
faba-237	57	14	a	a	DET
faba-237	57	15	particular	particular	ADJ
faba-237	57	16	technology	technology	NOUN
faba-237	57	17	.	.	PUNCT
faba-237	58	1	expected	expect	VERB
faba-237	58	2	effort	effort	NOUN
faba-237	58	3	is	be	AUX
faba-237	58	4	associated	associate	VERB
faba-237	58	5	with	with	ADP
faba-237	58	6	convenience	convenience	NOUN
faba-237	58	7	(	(	PUNCT
faba-237	58	8	makongoro	makongoro	PROPN
faba-237	58	9	2014	2014	NUM
faba-237	58	10	)	)	PUNCT
faba-237	58	11	.	.	PUNCT
faba-237	59	1	it	it	PRON
faba-237	59	2	explains	explain	VERB
faba-237	59	3	which	which	PRON
faba-237	59	4	applications	application	NOUN
faba-237	59	5	are	be	AUX
faba-237	59	6	likely	likely	ADJ
faba-237	59	7	to	to	PART
faba-237	59	8	be	be	AUX
faba-237	59	9	adopted	adopt	VERB
faba-237	59	10	and	and	CCONJ
faba-237	59	11	used	use	VERB
faba-237	59	12	by	by	ADP
faba-237	59	13	a	a	DET
faba-237	59	14	user	user	NOUN
faba-237	59	15	.	.	PUNCT
faba-237	60	1	existing	exist	VERB
faba-237	60	2	studies	study	NOUN
faba-237	60	3	have	have	AUX
faba-237	60	4	produced	produce	VERB
faba-237	60	5	contrasting	contrast	VERB
faba-237	60	6	results	result	NOUN
faba-237	60	7	on	on	ADP
faba-237	60	8	the	the	DET
faba-237	60	9	effect	effect	NOUN
faba-237	60	10	of	of	ADP
faba-237	60	11	expected	expect	VERB
faba-237	60	12	effort	effort	NOUN
faba-237	60	13	on	on	ADP
faba-237	60	14	the	the	DET
faba-237	60	15	adoption	adoption	NOUN
faba-237	60	16	of	of	ADP
faba-237	60	17	fintech	fintech	NOUN
faba-237	60	18	.	.	PUNCT
faba-237	61	1	for	for	ADP
faba-237	61	2	example	example	NOUN
faba-237	61	3	,	,	PUNCT
faba-237	61	4	studies	study	NOUN
faba-237	61	5	by	by	ADP
faba-237	61	6	kurniasari	kurniasari	PROPN
faba-237	61	7	et	et	PROPN
faba-237	61	8	al	al	PROPN
faba-237	61	9	.	.	PROPN
faba-237	61	10	(	(	PUNCT
faba-237	61	11	2023	2023	NUM
faba-237	61	12	)	)	PUNCT
faba-237	61	13	;	;	PUNCT
faba-237	61	14	najib	najib	PROPN
faba-237	61	15	et	et	PROPN
faba-237	61	16	al	al	PROPN
faba-237	61	17	.	.	PROPN
faba-237	61	18	(	(	PUNCT
faba-237	61	19	2021	2021	NUM
faba-237	61	20	)	)	PUNCT
faba-237	61	21	;	;	PUNCT
faba-237	61	22	tun	tun	NOUN
faba-237	61	23	-	-	PUNCT
faba-237	61	24	pin	pin	NOUN
faba-237	61	25	et	et	PROPN
faba-237	61	26	al	al	PROPN
faba-237	61	27	.	.	PROPN
faba-237	61	28	(	(	PUNCT
faba-237	61	29	2019	2019	NUM
faba-237	61	30	)	)	PUNCT
faba-237	61	31	;	;	PUNCT
faba-237	61	32	makongoro	makongoro	PROPN
faba-237	61	33	(	(	PUNCT
faba-237	61	34	2014	2014	NUM
faba-237	61	35	)	)	PUNCT
faba-237	61	36	,	,	PUNCT
faba-237	61	37	and	and	CCONJ
faba-237	61	38	yan	yan	PROPN
faba-237	61	39	et	et	PROPN
faba-237	61	40	al	al	PROPN
faba-237	61	41	.	.	PROPN
faba-237	61	42	,	,	PUNCT
faba-237	61	43	(	(	PUNCT
faba-237	61	44	2021	2021	NUM
faba-237	61	45	)	)	PUNCT
faba-237	61	46	found	find	VERB
faba-237	61	47	that	that	SCONJ
faba-237	61	48	expected	expect	VERB
faba-237	61	49	effort	effort	NOUN
faba-237	61	50	had	have	VERB
faba-237	61	51	a	a	DET
faba-237	61	52	positive	positive	ADJ
faba-237	61	53	significant	significant	ADJ
faba-237	61	54	influence	influence	NOUN
faba-237	61	55	on	on	ADP
faba-237	61	56	the	the	DET
faba-237	61	57	adoption	adoption	NOUN
faba-237	61	58	of	of	ADP
faba-237	61	59	fintech	fintech	NOUN
faba-237	61	60	.	.	PUNCT
faba-237	62	1	essentially	essentially	ADV
faba-237	62	2	,	,	PUNCT
faba-237	62	3	a	a	DET
faba-237	62	4	high	high	ADJ
faba-237	62	5	degree	degree	NOUN
faba-237	62	6	of	of	ADP
faba-237	62	7	ease	ease	NOUN
faba-237	62	8	of	of	ADP
faba-237	62	9	use	use	NOUN
faba-237	62	10	was	be	AUX
faba-237	62	11	among	among	ADP
faba-237	62	12	the	the	DET
faba-237	62	13	main	main	ADJ
faba-237	62	14	factors	factor	NOUN
faba-237	62	15	influencing	influence	VERB
faba-237	62	16	the	the	DET
faba-237	62	17	adoption	adoption	NOUN
faba-237	62	18	of	of	ADP
faba-237	62	19	fintech	fintech	NOUN
faba-237	62	20	(	(	PUNCT
faba-237	62	21	kurniasari	kurniasari	PROPN
faba-237	62	22	et	et	PROPN
faba-237	62	23	al	al	PROPN
faba-237	62	24	.	.	PROPN
faba-237	62	25	2023	2023	NUM
faba-237	62	26	;	;	PUNCT
faba-237	62	27	rosnidah	rosnidah	PROPN
faba-237	62	28	et	et	PROPN
faba-237	62	29	al	al	PROPN
faba-237	62	30	.	.	PROPN
faba-237	62	31	2019	2019	NUM
faba-237	62	32	;	;	PUNCT
faba-237	62	33	tun	tun	NOUN
faba-237	62	34	-	-	NOUN
faba-237	62	35	pin	pin	NOUN
faba-237	62	36	et	et	PROPN
faba-237	62	37	al	al	PROPN
faba-237	62	38	.	.	PROPN
faba-237	62	39	2019	2019	NUM
faba-237	62	40	)	)	PUNCT
faba-237	62	41	.	.	PUNCT
faba-237	63	1	on	on	ADP
faba-237	63	2	the	the	DET
faba-237	63	3	other	other	ADJ
faba-237	63	4	hand	hand	NOUN
faba-237	63	5	,	,	PUNCT
faba-237	63	6	hassan	hassan	PROPN
faba-237	63	7	et	et	PROPN
faba-237	63	8	al	al	PROPN
faba-237	63	9	.	.	PROPN
faba-237	63	10	(	(	PUNCT
faba-237	63	11	2022	2022	NUM
faba-237	63	12	)	)	PUNCT
faba-237	63	13	;	;	PUNCT
faba-237	63	14	urus	urus	NOUN
faba-237	63	15	et	et	PROPN
faba-237	63	16	al	al	PROPN
faba-237	63	17	.	.	PROPN
faba-237	63	18	(	(	PUNCT
faba-237	63	19	2022	2022	NUM
faba-237	63	20	)	)	PUNCT
faba-237	63	21	;	;	PUNCT
faba-237	63	22	and	and	CCONJ
faba-237	63	23	rahim	rahim	PROPN
faba-237	63	24	et	et	PROPN
faba-237	63	25	al	al	PROPN
faba-237	63	26	.	.	PROPN
faba-237	63	27	(	(	PUNCT
faba-237	63	28	2023	2023	NUM
faba-237	63	29	)	)	PUNCT
faba-237	63	30	found	find	VERB
faba-237	63	31	that	that	SCONJ
faba-237	63	32	expected	expect	VERB
faba-237	63	33	effort	effort	NOUN
faba-237	63	34	had	have	VERB
faba-237	63	35	no	no	DET
faba-237	63	36	significant	significant	ADJ
faba-237	63	37	influence	influence	NOUN
faba-237	63	38	on	on	ADP
faba-237	63	39	the	the	DET
faba-237	63	40	adoption	adoption	NOUN
faba-237	63	41	of	of	ADP
faba-237	63	42	fintech	fintech	NOUN
faba-237	63	43	.	.	PUNCT
faba-237	64	1	the	the	DET
faba-237	64	2	studies	study	NOUN
faba-237	64	3	observed	observe	VERB
faba-237	64	4	that	that	SCONJ
faba-237	64	5	simplicity	simplicity	NOUN
faba-237	64	6	in	in	ADP
faba-237	64	7	using	use	VERB
faba-237	64	8	a	a	DET
faba-237	64	9	system	system	NOUN
faba-237	64	10	can	can	AUX
faba-237	64	11	not	not	PART
faba-237	64	12	be	be	AUX
faba-237	64	13	enough	enough	ADJ
faba-237	64	14	reason	reason	NOUN
faba-237	64	15	to	to	PART
faba-237	64	16	influence	influence	VERB
faba-237	64	17	one	one	NOUN
faba-237	64	18	to	to	PART
faba-237	64	19	adopt	adopt	VERB
faba-237	64	20	a	a	DET
faba-237	64	21	system	system	NOUN
faba-237	64	22	.	.	PUNCT
faba-237	65	1	thus	thus	ADV
faba-237	65	2	,	,	PUNCT
faba-237	65	3	this	this	DET
faba-237	65	4	study	study	NOUN
faba-237	65	5	hypothesized	hypothesize	VERB
faba-237	65	6	that	that	SCONJ
faba-237	65	7	:	:	PUNCT
faba-237	65	8	h1	h1	PROPN
faba-237	65	9	:	:	PUNCT
faba-237	65	10	expected	expect	VERB
faba-237	65	11	effort	effort	NOUN
faba-237	65	12	has	have	VERB
faba-237	65	13	a	a	DET
faba-237	65	14	positive	positive	ADJ
faba-237	65	15	effect	effect	NOUN
faba-237	65	16	on	on	ADP
faba-237	65	17	fintech	fintech	NOUN
faba-237	65	18	adoption	adoption	NOUN
faba-237	65	19	in	in	ADP
faba-237	65	20	saccos	sacco	NOUN
faba-237	65	21	.	.	PUNCT
faba-237	66	1	social	social	ADJ
faba-237	66	2	influence	influence	NOUN
faba-237	66	3	social	social	ADJ
faba-237	66	4	influence	influence	NOUN
faba-237	66	5	is	be	AUX
faba-237	66	6	the	the	DET
faba-237	66	7	degree	degree	NOUN
faba-237	66	8	to	to	PART
faba-237	66	9	which	which	PRON
faba-237	66	10	influential	influential	ADJ
faba-237	66	11	people	people	NOUN
faba-237	66	12	think	think	VERB
faba-237	66	13	a	a	DET
faba-237	66	14	certain	certain	ADJ
faba-237	66	15	technology	technology	NOUN
faba-237	66	16	is	be	AUX
faba-237	66	17	appropriate	appropriate	ADJ
faba-237	66	18	for	for	SCONJ
faba-237	66	19	people	people	NOUN
faba-237	66	20	to	to	PART
faba-237	66	21	employ	employ	VERB
faba-237	66	22	(	(	PUNCT
faba-237	66	23	venkatesh	venkatesh	PROPN
faba-237	66	24	et	et	PROPN
faba-237	66	25	al	al	PROPN
faba-237	66	26	.	.	PROPN
faba-237	66	27	2012	2012	NUM
faba-237	66	28	)	)	PUNCT
faba-237	66	29	.	.	PUNCT
faba-237	67	1	since	since	SCONJ
faba-237	67	2	organizations	organization	NOUN
faba-237	67	3	such	such	ADJ
faba-237	67	4	as	as	ADP
faba-237	67	5	saccos	sacco	NOUN
faba-237	67	6	operate	operate	VERB
faba-237	67	7	in	in	ADP
faba-237	67	8	an	an	DET
faba-237	67	9	open	open	ADJ
faba-237	67	10	environment	environment	NOUN
faba-237	67	11	where	where	SCONJ
faba-237	67	12	technological	technological	ADJ
faba-237	67	13	advances	advance	NOUN
faba-237	67	14	are	be	AUX
faba-237	67	15	the	the	DET
faba-237	67	16	norms	norm	NOUN
faba-237	67	17	of	of	ADP
faba-237	67	18	the	the	DET
faba-237	67	19	day	day	NOUN
faba-237	67	20	,	,	PUNCT
faba-237	67	21	they	they	PRON
faba-237	67	22	may	may	AUX
faba-237	67	23	be	be	AUX
faba-237	67	24	forced	force	VERB
faba-237	67	25	to	to	PART
faba-237	67	26	adapt	adapt	VERB
faba-237	67	27	and	and	CCONJ
faba-237	67	28	adopt	adopt	VERB
faba-237	67	29	fintech	fintech	NOUN
faba-237	67	30	to	to	PART
faba-237	67	31	remain	remain	VERB
faba-237	67	32	competitive	competitive	ADJ
faba-237	67	33	and	and	CCONJ
faba-237	67	34	to	to	PART
faba-237	67	35	serve	serve	VERB
faba-237	67	36	well	well	INTJ
faba-237	67	37	their	their	PRON
faba-237	67	38	members	member	NOUN
faba-237	67	39	(	(	PUNCT
faba-237	67	40	daft	daft	NOUN
faba-237	67	41	2016	2016	NUM
faba-237	67	42	)	)	PUNCT
faba-237	67	43	.	.	PUNCT
faba-237	68	1	different	different	ADJ
faba-237	68	2	researchers	researcher	NOUN
faba-237	68	3	have	have	AUX
faba-237	68	4	studied	study	VERB
faba-237	68	5	the	the	DET
faba-237	68	6	impact	impact	NOUN
faba-237	68	7	of	of	ADP
faba-237	68	8	social	social	ADJ
faba-237	68	9	influence	influence	NOUN
faba-237	68	10	on	on	ADP
faba-237	68	11	the	the	DET
faba-237	68	12	adoption	adoption	NOUN
faba-237	68	13	of	of	ADP
faba-237	68	14	fintech	fintech	NOUN
faba-237	68	15	such	such	ADJ
faba-237	68	16	as	as	ADP
faba-237	68	17	zakariyah	zakariyah	PROPN
faba-237	68	18	et	et	PROPN
faba-237	68	19	al	al	PROPN
faba-237	68	20	.	.	PROPN
faba-237	69	1	(	(	PUNCT
faba-237	69	2	2023	2023	NUM
faba-237	69	3	)	)	PUNCT
faba-237	69	4	,	,	PUNCT
faba-237	69	5	kurniasari	kurniasari	PROPN
faba-237	69	6	et	et	PROPN
faba-237	69	7	al	al	PROPN
faba-237	69	8	.	.	PROPN
faba-237	69	9	(	(	PUNCT
faba-237	69	10	2023	2023	NUM
faba-237	69	11	)	)	PUNCT
faba-237	69	12	,	,	PUNCT
faba-237	69	13	hassan	hassan	PROPN
faba-237	69	14	et	et	PROPN
faba-237	69	15	al	al	PROPN
faba-237	69	16	.	.	PROPN
faba-237	69	17	(	(	PUNCT
faba-237	69	18	2022	2022	NUM
faba-237	69	19	)	)	PUNCT
faba-237	69	20	,	,	PUNCT
faba-237	69	21	chan	chan	PROPN
faba-237	69	22	et	et	PROPN
faba-237	69	23	al	al	PROPN
faba-237	69	24	.	.	PROPN
faba-237	69	25	(	(	PUNCT
faba-237	69	26	2022	2022	NUM
faba-237	69	27	)	)	PUNCT
faba-237	69	28	,	,	PUNCT
faba-237	69	29	rahim	rahim	PROPN
faba-237	69	30	et	et	PROPN
faba-237	69	31	al	al	PROPN
faba-237	69	32	.	.	PROPN
faba-237	69	33	(	(	PUNCT
faba-237	69	34	2023	2023	NUM
faba-237	69	35	)	)	PUNCT
faba-237	69	36	,	,	PUNCT
faba-237	69	37	najib	najib	PROPN
faba-237	69	38	et	et	PROPN
faba-237	69	39	al	al	PROPN
faba-237	69	40	.	.	PROPN
faba-237	69	41	(	(	PUNCT
faba-237	69	42	2021	2021	NUM
faba-237	69	43	)	)	PUNCT
faba-237	69	44	,	,	PUNCT
faba-237	69	45	nawayseh	nawayseh	PROPN
faba-237	69	46	,	,	PUNCT
faba-237	69	47	(	(	PUNCT
faba-237	69	48	2020	2020	NUM
faba-237	69	49	)	)	PUNCT
faba-237	69	50	,	,	PUNCT
faba-237	69	51	rosnidah	rosnidah	PROPN
faba-237	69	52	et	et	PROPN
faba-237	69	53	al	al	PROPN
faba-237	69	54	.	.	PROPN
faba-237	70	1	(	(	PUNCT
faba-237	70	2	2019	2019	NUM
faba-237	70	3	)	)	PUNCT
faba-237	70	4	and	and	CCONJ
faba-237	70	5	tun	tun	NOUN
faba-237	70	6	-	-	NOUN
faba-237	70	7	pin	pin	NOUN
faba-237	70	8	et	et	PROPN
faba-237	70	9	al	al	PROPN
faba-237	70	10	.	.	PROPN
faba-237	71	1	(	(	PUNCT
faba-237	71	2	2019	2019	NUM
faba-237	71	3	)	)	PUNCT
faba-237	71	4	.	.	PUNCT
faba-237	72	1	these	these	DET
faba-237	72	2	studies	study	NOUN
faba-237	72	3	found	find	VERB
faba-237	72	4	that	that	SCONJ
faba-237	72	5	social	social	ADJ
faba-237	72	6	influence	influence	NOUN
faba-237	72	7	had	have	VERB
faba-237	72	8	a	a	DET
faba-237	72	9	positive	positive	ADJ
faba-237	72	10	and	and	CCONJ
faba-237	72	11	significant	significant	ADJ
faba-237	72	12	influence	influence	NOUN
faba-237	72	13	on	on	ADP
faba-237	72	14	the	the	DET
faba-237	72	15	adoption	adoption	NOUN
faba-237	72	16	of	of	ADP
faba-237	72	17	fintech	fintech	NOUN
faba-237	72	18	.	.	PUNCT
faba-237	73	1	however	however	ADV
faba-237	73	2	,	,	PUNCT
faba-237	73	3	urus	urus	PROPN
faba-237	73	4	et	et	PROPN
faba-237	73	5	al	al	PROPN
faba-237	73	6	.	.	PROPN
faba-237	74	1	(	(	PUNCT
faba-237	74	2	2022	2022	NUM
faba-237	74	3	)	)	PUNCT
faba-237	74	4	found	find	VERB
faba-237	74	5	contrasting	contrast	VERB
faba-237	74	6	results	result	NOUN
faba-237	74	7	.	.	PUNCT
faba-237	75	1	the	the	DET
faba-237	75	2	study	study	NOUN
faba-237	75	3	found	find	VERB
faba-237	75	4	that	that	SCONJ
faba-237	75	5	social	social	ADJ
faba-237	75	6	influence	influence	NOUN
faba-237	75	7	had	have	VERB
faba-237	75	8	a	a	DET
faba-237	75	9	negative	negative	ADJ
faba-237	75	10	significant	significant	ADJ
faba-237	75	11	influence	influence	NOUN
faba-237	75	12	on	on	ADP
faba-237	75	13	the	the	DET
faba-237	75	14	adoption	adoption	NOUN
faba-237	75	15	of	of	ADP
faba-237	75	16	fintech	fintech	NOUN
faba-237	75	17	in	in	ADP
faba-237	75	18	indonesia	indonesia	PROPN
faba-237	75	19	,	,	PUNCT
faba-237	75	20	whilst	whilst	SCONJ
faba-237	75	21	in	in	ADP
faba-237	75	22	malaysia	malaysia	PROPN
faba-237	75	23	,	,	PUNCT
faba-237	75	24	the	the	DET
faba-237	75	25	study	study	NOUN
faba-237	75	26	found	find	VERB
faba-237	75	27	that	that	SCONJ
faba-237	75	28	it	it	PRON
faba-237	75	29	had	have	VERB
faba-237	75	30	no	no	DET
faba-237	75	31	influence	influence	NOUN
faba-237	75	32	at	at	ADV
faba-237	75	33	all	all	ADV
faba-237	75	34	.	.	PUNCT
faba-237	76	1	this	this	DET
faba-237	76	2	study	study	NOUN
faba-237	76	3	hypothesized	hypothesize	VERB
faba-237	76	4	that	that	SCONJ
faba-237	76	5	:	:	PUNCT
faba-237	76	6	h2	h2	NOUN
faba-237	76	7	:	:	PUNCT
faba-237	76	8	social	social	ADJ
faba-237	76	9	influence	influence	NOUN
faba-237	76	10	has	have	VERB
faba-237	76	11	a	a	DET
faba-237	76	12	positive	positive	ADJ
faba-237	76	13	effect	effect	NOUN
faba-237	76	14	on	on	ADP
faba-237	76	15	fintech	fintech	NOUN
faba-237	76	16	adoption	adoption	NOUN
faba-237	76	17	in	in	ADP
faba-237	76	18	saccos	sacco	NOUN
faba-237	76	19	.	.	PUNCT
faba-237	77	1	expected	expect	VERB
faba-237	77	2	performance	performance	NOUN
faba-237	77	3	expected	expect	VERB
faba-237	77	4	performance	performance	NOUN
faba-237	77	5	refers	refer	VERB
faba-237	77	6	to	to	ADP
faba-237	77	7	the	the	DET
faba-237	77	8	degree	degree	NOUN
faba-237	77	9	to	to	PART
faba-237	77	10	which	which	PRON
faba-237	77	11	people	people	NOUN
faba-237	77	12	believe	believe	VERB
faba-237	77	13	that	that	SCONJ
faba-237	77	14	using	use	VERB
faba-237	77	15	a	a	DET
faba-237	77	16	specific	specific	ADJ
faba-237	77	17	technology	technology	NOUN
faba-237	77	18	would	would	AUX
faba-237	77	19	enhance	enhance	VERB
faba-237	77	20	their	their	PRON
faba-237	77	21	ability	ability	NOUN
faba-237	77	22	to	to	PART
faba-237	77	23	perform	perform	VERB
faba-237	77	24	their	their	PRON
faba-237	77	25	job	job	NOUN
faba-237	77	26	(	(	PUNCT
faba-237	77	27	venkatesh	venkatesh	PROPN
faba-237	77	28	et	et	PROPN
faba-237	77	29	al	al	PROPN
faba-237	77	30	.	.	PROPN
faba-237	77	31	2012	2012	NUM
faba-237	77	32	)	)	PUNCT
faba-237	77	33	.	.	PUNCT
faba-237	78	1	since	since	SCONJ
faba-237	78	2	the	the	DET
faba-237	78	3	adoption	adoption	NOUN
faba-237	78	4	of	of	ADP
faba-237	78	5	a	a	DET
faba-237	78	6	particular	particular	ADJ
faba-237	78	7	technology	technology	NOUN
faba-237	78	8	is	be	AUX
faba-237	78	9	usually	usually	ADV
faba-237	78	10	associated	associate	VERB
faba-237	78	11	with	with	ADP
faba-237	78	12	costs	cost	NOUN
faba-237	78	13	,	,	PUNCT
faba-237	78	14	there	there	PRON
faba-237	78	15	must	must	AUX
faba-237	78	16	be	be	AUX
faba-237	78	17	an	an	DET
faba-237	78	18	economic	economic	ADJ
faba-237	78	19	justification	justification	NOUN
faba-237	78	20	for	for	ADP
faba-237	78	21	the	the	DET
faba-237	78	22	technology	technology	NOUN
faba-237	78	23	to	to	PART
faba-237	78	24	be	be	AUX
faba-237	78	25	adopted	adopt	VERB
faba-237	78	26	.	.	PUNCT
faba-237	79	1	in	in	ADP
faba-237	79	2	other	other	ADJ
faba-237	79	3	words	word	NOUN
faba-237	79	4	,	,	PUNCT
faba-237	79	5	the	the	DET
faba-237	79	6	benefits	benefit	NOUN
faba-237	79	7	must	must	AUX
faba-237	79	8	outweigh	outweigh	VERB
faba-237	79	9	the	the	DET
faba-237	79	10	costs	cost	NOUN
faba-237	79	11	.	.	PUNCT
faba-237	80	1	thus	thus	ADV
faba-237	80	2	,	,	PUNCT
faba-237	80	3	expected	expect	VERB
faba-237	80	4	performance	performance	NOUN
faba-237	80	5	measures	measure	VERB
faba-237	80	6	the	the	DET
faba-237	80	7	degree	degree	NOUN
faba-237	80	8	to	to	PART
faba-237	80	9	which	which	DET
faba-237	80	10	adoption	adoption	NOUN
faba-237	80	11	of	of	ADP
faba-237	80	12	the	the	DET
faba-237	80	13	technology	technology	NOUN
faba-237	80	14	will	will	AUX
faba-237	80	15	provide	provide	VERB
faba-237	80	16	recognizable	recognizable	ADJ
faba-237	80	17	benefits	benefit	NOUN
faba-237	80	18	to	to	ADP
faba-237	80	19	users	user	NOUN
faba-237	80	20	(	(	PUNCT
faba-237	80	21	rosnidah	rosnidah	PROPN
faba-237	80	22	et	et	PROPN
faba-237	80	23	al	al	PROPN
faba-237	80	24	.	.	PROPN
faba-237	80	25	2019	2019	NUM
faba-237	80	26	)	)	PUNCT
faba-237	80	27	.	.	PUNCT
faba-237	81	1	it	it	PRON
faba-237	81	2	is	be	AUX
faba-237	81	3	worth	worth	ADJ
faba-237	81	4	noting	note	VERB
faba-237	81	5	that	that	SCONJ
faba-237	81	6	expected	expect	VERB
faba-237	81	7	performance	performance	NOUN
faba-237	81	8	is	be	AUX
faba-237	81	9	one	one	NUM
faba-237	81	10	of	of	ADP
faba-237	81	11	the	the	DET
faba-237	81	12	factors	factor	NOUN
faba-237	81	13	that	that	PRON
faba-237	81	14	have	have	AUX
faba-237	81	15	been	be	AUX
faba-237	81	16	heavily	heavily	ADV
faba-237	81	17	used	use	VERB
faba-237	81	18	in	in	ADP
faba-237	81	19	studies	study	NOUN
faba-237	81	20	on	on	ADP
faba-237	81	21	mobile	mobile	ADJ
faba-237	81	22	and	and	CCONJ
faba-237	81	23	internet	internet	NOUN
faba-237	81	24	banking	banking	NOUN
faba-237	81	25	(	(	PUNCT
faba-237	81	26	oliveira	oliveira	PROPN
faba-237	81	27	et	et	PROPN
faba-237	81	28	al	al	PROPN
faba-237	81	29	.	.	PROPN
faba-237	81	30	2014	2014	NUM
faba-237	81	31	;	;	PUNCT
faba-237	81	32	tarhini	tarhini	NOUN
faba-237	81	33	et	et	PROPN
faba-237	81	34	al	al	PROPN
faba-237	81	35	.	.	PROPN
faba-237	81	36	2016	2016	NUM
faba-237	81	37	;	;	PUNCT
faba-237	81	38	yu	yu	PROPN
faba-237	81	39	2012	2012	NUM
faba-237	81	40	)	)	PUNCT
faba-237	81	41	.	.	PUNCT
faba-237	82	1	several	several	ADJ
faba-237	82	2	studies	study	NOUN
faba-237	82	3	have	have	AUX
faba-237	82	4	also	also	ADV
faba-237	82	5	looked	look	VERB
faba-237	82	6	into	into	ADP
faba-237	82	7	how	how	SCONJ
faba-237	82	8	performance	performance	NOUN
faba-237	82	9	expectancy	expectancy	NOUN
faba-237	82	10	influences	influence	VERB
faba-237	82	11	fintech	fintech	NOUN
faba-237	82	12	adoption	adoption	NOUN
faba-237	82	13	.	.	PUNCT
faba-237	83	1	they	they	PRON
faba-237	83	2	include	include	VERB
faba-237	83	3	kurniasari	kurniasari	PROPN
faba-237	83	4	et	et	PROPN
faba-237	83	5	al	al	PROPN
faba-237	83	6	.	.	PROPN
faba-237	84	1	(	(	PUNCT
faba-237	84	2	2023	2023	NUM
faba-237	84	3	)	)	PUNCT
faba-237	84	4	,	,	PUNCT
faba-237	84	5	rahim	rahim	PROPN
faba-237	84	6	et	et	PROPN
faba-237	84	7	al	al	PROPN
faba-237	84	8	.	.	PROPN
faba-237	85	1	(	(	PUNCT
faba-237	85	2	2023	2023	NUM
faba-237	85	3	)	)	PUNCT
faba-237	86	1	,	,	PUNCT
faba-237	86	2	yan	yan	PROPN
faba-237	86	3	et	et	PROPN
faba-237	86	4	al	al	PROPN
faba-237	86	5	.	.	PROPN
faba-237	86	6	(	(	PUNCT
faba-237	86	7	2021	2021	NUM
faba-237	86	8	)	)	PUNCT
faba-237	86	9	,	,	PUNCT
faba-237	86	10	rosnidah	rosnidah	PROPN
faba-237	86	11	et	et	PROPN
faba-237	86	12	al	al	PROPN
faba-237	86	13	.	.	PROPN
faba-237	86	14	(	(	PUNCT
faba-237	86	15	2019	2019	NUM
faba-237	86	16	)	)	PUNCT
faba-237	86	17	,	,	PUNCT
faba-237	86	18	and	and	CCONJ
faba-237	86	19	najib	najib	PROPN
faba-237	86	20	et	et	PROPN
faba-237	86	21	al	al	PROPN
faba-237	86	22	.	.	PROPN
faba-237	87	1	(	(	PUNCT
faba-237	87	2	2021	2021	NUM
faba-237	87	3	)	)	PUNCT
faba-237	87	4	who	who	PRON
faba-237	87	5	found	find	VERB
faba-237	87	6	that	that	SCONJ
faba-237	87	7	expected	expect	VERB
faba-237	87	8	performance	performance	NOUN
faba-237	87	9	influences	influence	NOUN
faba-237	87	10	fintech	fintech	NOUN
faba-237	87	11	adoption	adoption	NOUN
faba-237	87	12	to	to	ADP
faba-237	87	13	a	a	DET
faba-237	87	14	greater	great	ADJ
faba-237	87	15	extent	extent	NOUN
faba-237	87	16	.	.	PUNCT
faba-237	88	1	on	on	ADP
faba-237	88	2	the	the	DET
faba-237	88	3	other	other	ADJ
faba-237	88	4	hand	hand	NOUN
faba-237	88	5	,	,	PUNCT
faba-237	88	6	studies	study	NOUN
faba-237	88	7	by	by	ADP
faba-237	88	8	sebastián	sebastián	PROPN
faba-237	88	9	et	et	PROPN
faba-237	88	10	al	al	PROPN
faba-237	88	11	.	.	PROPN
faba-237	88	12	(	(	PUNCT
faba-237	88	13	2023	2023	NUM
faba-237	88	14	)	)	PUNCT
faba-237	88	15	,	,	PUNCT
faba-237	88	16	hasyim	hasyim	NOUN
faba-237	88	17	(	(	PUNCT
faba-237	88	18	2022	2022	NUM
faba-237	88	19	)	)	PUNCT
faba-237	88	20	,	,	PUNCT
faba-237	88	21	pasaribu	pasaribu	VERB
faba-237	88	22	and	and	CCONJ
faba-237	88	23	rabbani	rabbani	PROPN
faba-237	88	24	(	(	PUNCT
faba-237	88	25	2022	2022	NUM
faba-237	88	26	)	)	PUNCT
faba-237	88	27	,	,	PUNCT
faba-237	88	28	kadim	kadim	NOUN
faba-237	88	29	and	and	CCONJ
faba-237	88	30	sunardi	sunardi	PROPN
faba-237	88	31	(	(	PUNCT
faba-237	88	32	2021	2021	NUM
faba-237	88	33	)	)	PUNCT
faba-237	88	34	,	,	PUNCT
faba-237	88	35	maharani	maharani	X
faba-237	88	36	(	(	PUNCT
faba-237	88	37	2021	2021	NUM
faba-237	88	38	)	)	PUNCT
faba-237	88	39	,	,	PUNCT
faba-237	88	40	sankaran	sankaran	NOUN
faba-237	88	41	and	and	CCONJ
faba-237	88	42	chakraborty	chakraborty	NOUN
faba-237	88	43	(	(	PUNCT
faba-237	88	44	2021	2021	NUM
faba-237	88	45	)	)	PUNCT
faba-237	88	46	,	,	PUNCT
faba-237	88	47	and	and	CCONJ
faba-237	88	48	angelina	angelina	PROPN
faba-237	88	49	et	et	PROPN
faba-237	88	50	al	al	PROPN
faba-237	88	51	.	.	PROPN
faba-237	88	52	(	(	PUNCT
faba-237	88	53	2021	2021	NUM
faba-237	88	54	)	)	PUNCT
faba-237	88	55	found	find	VERB
faba-237	88	56	that	that	SCONJ
faba-237	88	57	expected	expect	VERB
faba-237	88	58	performance	performance	NOUN
faba-237	88	59	does	do	AUX
faba-237	88	60	not	not	PART
faba-237	88	61	influence	influence	VERB
faba-237	88	62	the	the	DET
faba-237	88	63	adoption	adoption	NOUN
faba-237	88	64	of	of	ADP
faba-237	88	65	fintech	fintech	NOUN
faba-237	88	66	.	.	PUNCT
faba-237	89	1	accordingly	accordingly	ADV
faba-237	89	2	,	,	PUNCT
faba-237	89	3	this	this	DET
faba-237	89	4	study	study	NOUN
faba-237	89	5	hypothesized	hypothesize	VERB
faba-237	89	6	that	that	SCONJ
faba-237	89	7	:	:	PUNCT
faba-237	89	8	reuben	reuben	PROPN
faba-237	89	9	b.	b.	PROPN
faba-237	89	10	chipeta	chipeta	PROPN
faba-237	89	11	,	,	PUNCT
faba-237	89	12	andrew	andrew	PROPN
faba-237	89	13	m.	m.	PROPN
faba-237	89	14	lipunga	lipunga	PROPN
faba-237	89	15	/	/	SYM
faba-237	89	16	finance	finance	NOUN
faba-237	89	17	,	,	PUNCT
faba-237	89	18	accounting	accounting	NOUN
faba-237	89	19	and	and	CCONJ
faba-237	89	20	business	business	NOUN
faba-237	89	21	analysis	analysis	NOUN
faba-237	89	22	,	,	PUNCT
faba-237	89	23	volume	volume	NOUN
faba-237	89	24	7	7	NUM
faba-237	89	25	,	,	PUNCT
faba-237	89	26	issue	issue	NOUN
faba-237	89	27	1	1	NUM
faba-237	89	28	,	,	PUNCT
faba-237	89	29	2025	2025	NUM
faba-237	89	30	4	4	NUM
faba-237	89	31	h3	h3	NOUN
faba-237	89	32	:	:	PUNCT
faba-237	89	33	expected	expect	VERB
faba-237	89	34	performance	performance	NOUN
faba-237	89	35	has	have	VERB
faba-237	89	36	a	a	DET
faba-237	89	37	positive	positive	ADJ
faba-237	89	38	effect	effect	NOUN
faba-237	89	39	on	on	ADP
faba-237	89	40	fintech	fintech	NOUN
faba-237	89	41	adoption	adoption	NOUN
faba-237	89	42	in	in	ADP
faba-237	89	43	saccos	saccos	PROPN
faba-237	89	44	.	.	PUNCT
faba-237	90	1	facilitating	facilitate	VERB
faba-237	90	2	conditions	condition	NOUN
faba-237	90	3	facilitating	facilitate	VERB
faba-237	90	4	conditions	condition	NOUN
faba-237	90	5	entails	entail	VERB
faba-237	90	6	the	the	DET
faba-237	90	7	degree	degree	NOUN
faba-237	90	8	to	to	PART
faba-237	90	9	which	which	PRON
faba-237	90	10	a	a	DET
faba-237	90	11	person	person	NOUN
faba-237	90	12	thinks	think	VERB
faba-237	90	13	that	that	SCONJ
faba-237	90	14	the	the	DET
faba-237	90	15	technological	technological	ADJ
faba-237	90	16	and	and	CCONJ
faba-237	90	17	organizational	organizational	ADJ
faba-237	90	18	infrastructure	infrastructure	NOUN
faba-237	90	19	is	be	AUX
faba-237	90	20	available	available	ADJ
faba-237	90	21	to	to	PART
faba-237	90	22	facilitate	facilitate	VERB
faba-237	90	23	the	the	DET
faba-237	90	24	use	use	NOUN
faba-237	90	25	of	of	ADP
faba-237	90	26	a	a	DET
faba-237	90	27	specific	specific	ADJ
faba-237	90	28	technology	technology	NOUN
faba-237	90	29	(	(	PUNCT
faba-237	90	30	khalili	khalili	PROPN
faba-237	90	31	2011	2011	NUM
faba-237	90	32	)	)	PUNCT
faba-237	90	33	.	.	PUNCT
faba-237	91	1	according	accord	VERB
faba-237	91	2	to	to	ADP
faba-237	91	3	venkatesh	venkatesh	PROPN
faba-237	91	4	et	et	PROPN
faba-237	91	5	al	al	PROPN
faba-237	91	6	.	.	PROPN
faba-237	92	1	(	(	PUNCT
faba-237	92	2	2012	2012	NUM
faba-237	92	3	)	)	PUNCT
faba-237	92	4	,	,	PUNCT
faba-237	92	5	facilitating	facilitate	VERB
faba-237	92	6	conditions	condition	NOUN
faba-237	92	7	are	be	AUX
faba-237	92	8	perceptions	perception	NOUN
faba-237	92	9	of	of	ADP
faba-237	92	10	the	the	DET
faba-237	92	11	existence	existence	NOUN
faba-237	92	12	of	of	ADP
faba-237	92	13	resources	resource	NOUN
faba-237	92	14	as	as	ADV
faba-237	92	15	well	well	ADV
faba-237	92	16	as	as	ADP
faba-237	92	17	support	support	NOUN
faba-237	92	18	to	to	PART
faba-237	92	19	perform	perform	VERB
faba-237	92	20	a	a	DET
faba-237	92	21	behavior	behavior	NOUN
faba-237	92	22	.	.	PUNCT
faba-237	93	1	thus	thus	ADV
faba-237	93	2	,	,	PUNCT
faba-237	93	3	facilitating	facilitate	VERB
faba-237	93	4	conditions	condition	NOUN
faba-237	93	5	are	be	AUX
faba-237	93	6	circumstances	circumstance	NOUN
faba-237	93	7	or	or	CCONJ
faba-237	93	8	elements	element	NOUN
faba-237	93	9	that	that	PRON
faba-237	93	10	make	make	VERB
faba-237	93	11	it	it	PRON
faba-237	93	12	easier	easy	ADJ
faba-237	93	13	or	or	CCONJ
faba-237	93	14	more	more	ADV
faba-237	93	15	favorable	favorable	ADJ
faba-237	93	16	for	for	SCONJ
faba-237	93	17	a	a	DET
faba-237	93	18	certain	certain	ADJ
faba-237	93	19	outcome	outcome	NOUN
faba-237	93	20	or	or	CCONJ
faba-237	93	21	action	action	NOUN
faba-237	93	22	to	to	PART
faba-237	93	23	occur	occur	VERB
faba-237	93	24	.	.	PUNCT
faba-237	94	1	studies	study	NOUN
faba-237	94	2	have	have	AUX
faba-237	94	3	found	find	VERB
faba-237	94	4	contrasting	contrast	VERB
faba-237	94	5	results	result	NOUN
faba-237	94	6	on	on	ADP
faba-237	94	7	the	the	DET
faba-237	94	8	effect	effect	NOUN
faba-237	94	9	of	of	ADP
faba-237	94	10	facilitating	facilitate	VERB
faba-237	94	11	conditions	condition	NOUN
faba-237	94	12	on	on	ADP
faba-237	94	13	the	the	DET
faba-237	94	14	adoption	adoption	NOUN
faba-237	94	15	of	of	ADP
faba-237	94	16	fintech	fintech	NOUN
faba-237	94	17	.	.	PUNCT
faba-237	95	1	for	for	ADP
faba-237	95	2	instance	instance	NOUN
faba-237	95	3	,	,	PUNCT
faba-237	95	4	hassan	hassan	PROPN
faba-237	95	5	et	et	PROPN
faba-237	95	6	al	al	PROPN
faba-237	95	7	.	.	PUNCT
faba-237	96	1	(	(	PUNCT
faba-237	96	2	2022),rahim	2022),rahim	NUM
faba-237	96	3	et	et	NOUN
faba-237	96	4	al	al	PROPN
faba-237	96	5	.	.	PROPN
faba-237	96	6	(	(	PUNCT
faba-237	96	7	2023	2023	NUM
faba-237	96	8	)	)	PUNCT
faba-237	96	9	,	,	PUNCT
faba-237	96	10	kadim	kadim	NOUN
faba-237	96	11	and	and	CCONJ
faba-237	96	12	sunardi	sunardi	PROPN
faba-237	96	13	(	(	PUNCT
faba-237	96	14	2021	2021	NUM
faba-237	96	15	)	)	PUNCT
faba-237	96	16	,	,	PUNCT
faba-237	96	17	angelina	angelina	PROPN
faba-237	96	18	et	et	PROPN
faba-237	96	19	al	al	PROPN
faba-237	96	20	.	.	PROPN
faba-237	97	1	(	(	PUNCT
faba-237	97	2	2021	2021	NUM
faba-237	97	3	)	)	PUNCT
faba-237	97	4	,	,	PUNCT
faba-237	97	5	kurniasari	kurniasari	PROPN
faba-237	97	6	et	et	PROPN
faba-237	97	7	al	al	PROPN
faba-237	97	8	.	.	PROPN
faba-237	98	1	(	(	PUNCT
faba-237	98	2	2023	2023	NUM
faba-237	98	3	)	)	PUNCT
faba-237	98	4	,	,	PUNCT
faba-237	98	5	rosnidah	rosnidah	PROPN
faba-237	98	6	et	et	PROPN
faba-237	98	7	al	al	PROPN
faba-237	98	8	.	.	PROPN
faba-237	99	1	(	(	PUNCT
faba-237	99	2	2019	2019	NUM
faba-237	99	3	)	)	PUNCT
faba-237	99	4	,	,	PUNCT
faba-237	99	5	hu	hu	PROPN
faba-237	99	6	et	et	PROPN
faba-237	99	7	al	al	PROPN
faba-237	99	8	.	.	PROPN
faba-237	99	9	(	(	PUNCT
faba-237	99	10	2019	2019	NUM
faba-237	99	11	)	)	PUNCT
faba-237	99	12	,	,	PUNCT
faba-237	99	13	and	and	CCONJ
faba-237	99	14	najib	najib	PROPN
faba-237	99	15	et	et	PROPN
faba-237	99	16	al	al	PROPN
faba-237	99	17	.	.	PROPN
faba-237	100	1	(	(	PUNCT
faba-237	100	2	2021	2021	NUM
faba-237	100	3	)	)	PUNCT
faba-237	100	4	found	find	VERB
faba-237	100	5	that	that	SCONJ
faba-237	100	6	facilitating	facilitate	VERB
faba-237	100	7	conditions	condition	NOUN
faba-237	100	8	do	do	AUX
faba-237	100	9	have	have	VERB
faba-237	100	10	a	a	DET
faba-237	100	11	positive	positive	ADJ
faba-237	100	12	significant	significant	ADJ
faba-237	100	13	effect	effect	NOUN
faba-237	100	14	on	on	ADP
faba-237	100	15	fintech	fintech	NOUN
faba-237	100	16	adoption	adoption	NOUN
faba-237	100	17	.	.	PUNCT
faba-237	101	1	conversely	conversely	ADV
faba-237	101	2	,	,	PUNCT
faba-237	101	3	hasyim	hasyim	NOUN
faba-237	101	4	(	(	PUNCT
faba-237	101	5	2022	2022	NUM
faba-237	101	6	)	)	PUNCT
faba-237	101	7	,	,	PUNCT
faba-237	101	8	pasaribu	pasaribu	NOUN
faba-237	101	9	(	(	PUNCT
faba-237	101	10	2022	2022	NUM
faba-237	101	11	)	)	PUNCT
faba-237	101	12	and	and	CCONJ
faba-237	101	13	sebastián	sebastián	NOUN
faba-237	101	14	et	et	PROPN
faba-237	101	15	al	al	PROPN
faba-237	101	16	.	.	PROPN
faba-237	102	1	(	(	PUNCT
faba-237	102	2	2023	2023	NUM
faba-237	102	3	)	)	PUNCT
faba-237	102	4	found	find	VERB
faba-237	102	5	that	that	SCONJ
faba-237	102	6	facilitating	facilitate	VERB
faba-237	102	7	conditions	condition	NOUN
faba-237	102	8	do	do	AUX
faba-237	102	9	not	not	PART
faba-237	102	10	have	have	VERB
faba-237	102	11	a	a	DET
faba-237	102	12	significant	significant	ADJ
faba-237	102	13	effect	effect	NOUN
faba-237	102	14	on	on	ADP
faba-237	102	15	the	the	DET
faba-237	102	16	adoption	adoption	NOUN
faba-237	102	17	of	of	ADP
faba-237	102	18	fintech	fintech	NOUN
faba-237	102	19	.	.	PUNCT
faba-237	103	1	accordingly	accordingly	ADV
faba-237	103	2	,	,	PUNCT
faba-237	103	3	the	the	DET
faba-237	103	4	study	study	NOUN
faba-237	103	5	hypothesized	hypothesize	VERB
faba-237	103	6	that	that	SCONJ
faba-237	103	7	:	:	PUNCT
faba-237	103	8	h4	h4	NOUN
faba-237	103	9	:	:	PUNCT
faba-237	103	10	facilitating	facilitate	VERB
faba-237	103	11	conditions	condition	NOUN
faba-237	103	12	have	have	VERB
faba-237	103	13	a	a	DET
faba-237	103	14	positive	positive	ADJ
faba-237	103	15	effect	effect	NOUN
faba-237	103	16	on	on	ADP
faba-237	103	17	fintech	fintech	NOUN
faba-237	103	18	adoption	adoption	NOUN
faba-237	103	19	in	in	ADP
faba-237	103	20	saccos	saccos	PROPN
faba-237	103	21	.	.	PUNCT
faba-237	104	1	based	base	VERB
faba-237	104	2	on	on	ADP
faba-237	104	3	the	the	DET
faba-237	104	4	extant	extant	ADJ
faba-237	104	5	literature	literature	NOUN
faba-237	104	6	,	,	PUNCT
faba-237	104	7	figure	figure	VERB
faba-237	104	8	1	1	NUM
faba-237	104	9	presents	present	VERB
faba-237	104	10	the	the	DET
faba-237	104	11	conceptual	conceptual	ADJ
faba-237	104	12	framework	framework	NOUN
faba-237	104	13	for	for	ADP
faba-237	104	14	the	the	DET
faba-237	104	15	study	study	NOUN
faba-237	104	16	.	.	PUNCT
faba-237	105	1	the	the	DET
faba-237	105	2	four	four	NUM
faba-237	105	3	constructs	construct	NOUN
faba-237	105	4	of	of	ADP
faba-237	105	5	the	the	DET
faba-237	105	6	utaut	utaut	PROPN
faba-237	105	7	theory	theory	NOUN
faba-237	105	8	are	be	AUX
faba-237	105	9	employed	employ	VERB
faba-237	105	10	as	as	ADP
faba-237	105	11	independent	independent	ADJ
faba-237	105	12	variables	variable	NOUN
faba-237	105	13	whereas	whereas	SCONJ
faba-237	105	14	fintech	fintech	NOUN
faba-237	105	15	adoption	adoption	NOUN
faba-237	105	16	is	be	AUX
faba-237	105	17	the	the	DET
faba-237	105	18	dependent	dependent	ADJ
faba-237	105	19	variable	variable	NOUN
faba-237	105	20	.	.	PUNCT
faba-237	106	1	independent	independent	ADJ
faba-237	106	2	variables	variable	NOUN
faba-237	106	3	dependent	dependent	ADJ
faba-237	106	4	variables	variable	NOUN
faba-237	106	5	source	source	NOUN
faba-237	106	6	:	:	PUNCT
faba-237	106	7	derived	derive	VERB
faba-237	106	8	from	from	ADP
faba-237	106	9	a	a	DET
faba-237	106	10	literature	literature	NOUN
faba-237	106	11	review	review	NOUN
faba-237	106	12	by	by	ADP
faba-237	106	13	researchers	researcher	NOUN
faba-237	106	14	(	(	PUNCT
faba-237	106	15	2024	2024	NUM
faba-237	106	16	)	)	PUNCT
faba-237	106	17	.	.	PUNCT
faba-237	107	1	figure	figure	NOUN
faba-237	107	2	1	1	NUM
faba-237	107	3	.	.	PUNCT
faba-237	108	1	conceptual	conceptual	ADJ
faba-237	108	2	framework	framework	NOUN
faba-237	108	3	methods	method	NOUN
faba-237	108	4	research	research	NOUN
faba-237	108	5	design	design	NOUN
faba-237	108	6	this	this	DET
faba-237	108	7	study	study	NOUN
faba-237	108	8	took	take	VERB
faba-237	108	9	a	a	DET
faba-237	108	10	positivist	positivist	ADJ
faba-237	108	11	research	research	NOUN
faba-237	108	12	philosophy	philosophy	NOUN
faba-237	108	13	,	,	PUNCT
faba-237	108	14	employing	employ	VERB
faba-237	108	15	quantitative	quantitative	ADJ
faba-237	108	16	data	datum	NOUN
faba-237	108	17	collection	collection	NOUN
faba-237	108	18	and	and	CCONJ
faba-237	108	19	analysis	analysis	NOUN
faba-237	108	20	methods	method	NOUN
faba-237	108	21	.	.	PUNCT
faba-237	109	1	it	it	PRON
faba-237	109	2	was	be	AUX
faba-237	109	3	cross	cross	ADJ
faba-237	109	4	-	-	ADJ
faba-237	109	5	sectional	sectional	ADJ
faba-237	109	6	and	and	CCONJ
faba-237	109	7	explanatory	explanatory	ADJ
faba-237	109	8	in	in	ADP
faba-237	109	9	nature	nature	NOUN
faba-237	109	10	.	.	PUNCT
faba-237	110	1	a	a	DET
faba-237	110	2	deductive	deductive	ADJ
faba-237	110	3	research	research	NOUN
faba-237	110	4	approach	approach	NOUN
faba-237	110	5	was	be	AUX
faba-237	110	6	adopted	adopt	VERB
faba-237	110	7	as	as	SCONJ
faba-237	110	8	such	such	DET
faba-237	110	9	the	the	DET
faba-237	110	10	study	study	NOUN
faba-237	110	11	used	use	VERB
faba-237	110	12	an	an	DET
faba-237	110	13	existing	exist	VERB
faba-237	110	14	theory	theory	NOUN
faba-237	110	15	to	to	PART
faba-237	110	16	determine	determine	VERB
faba-237	110	17	the	the	DET
faba-237	110	18	effects	effect	NOUN
faba-237	110	19	of	of	ADP
faba-237	110	20	utaut	utaut	NOUN
faba-237	110	21	variables	variable	NOUN
faba-237	110	22	on	on	ADP
faba-237	110	23	fintech	fintech	NOUN
faba-237	110	24	adoption	adoption	NOUN
faba-237	110	25	in	in	ADP
faba-237	110	26	saccos	saccos	PROPN
faba-237	110	27	in	in	ADP
faba-237	110	28	malawi	malawi	PROPN
faba-237	110	29	.	.	PUNCT
faba-237	111	1	sampling	sample	VERB
faba-237	111	2	and	and	CCONJ
faba-237	111	3	data	datum	NOUN
faba-237	111	4	collection	collection	NOUN
faba-237	111	5	the	the	DET
faba-237	111	6	population	population	NOUN
faba-237	111	7	of	of	ADP
faba-237	111	8	the	the	DET
faba-237	111	9	study	study	NOUN
faba-237	111	10	was	be	AUX
faba-237	111	11	the	the	DET
faba-237	111	12	forty	forty	NUM
faba-237	111	13	-	-	PUNCT
faba-237	111	14	four	four	NUM
faba-237	111	15	saccos	sacco	NOUN
faba-237	111	16	that	that	PRON
faba-237	111	17	are	be	AUX
faba-237	111	18	affiliated	affiliate	VERB
faba-237	111	19	with	with	ADP
faba-237	111	20	the	the	DET
faba-237	111	21	malawi	malawi	PROPN
faba-237	111	22	union	union	PROPN
faba-237	111	23	of	of	ADP
faba-237	111	24	savings	saving	NOUN
faba-237	111	25	and	and	CCONJ
faba-237	111	26	credit	credit	NOUN
faba-237	111	27	cooperatives	cooperative	NOUN
faba-237	111	28	(	(	PUNCT
faba-237	111	29	muscco	muscco	NOUN
faba-237	111	30	)	)	PUNCT
faba-237	111	31	as	as	ADP
faba-237	111	32	of	of	ADP
faba-237	111	33	september	september	PROPN
faba-237	111	34	2023	2023	NUM
faba-237	111	35	(	(	PUNCT
faba-237	111	36	muscco	muscco	NOUN
faba-237	111	37	,	,	PUNCT
faba-237	111	38	2023	2023	NUM
faba-237	111	39	)	)	PUNCT
faba-237	111	40	.	.	PUNCT
faba-237	112	1	considering	consider	VERB
faba-237	112	2	the	the	DET
faba-237	112	3	manageable	manageable	ADJ
faba-237	112	4	number	number	NOUN
faba-237	112	5	of	of	ADP
faba-237	112	6	the	the	DET
faba-237	112	7	saccos	sacco	NOUN
faba-237	112	8	,	,	PUNCT
faba-237	112	9	a	a	DET
faba-237	112	10	census	census	NOUN
faba-237	112	11	approach	approach	NOUN
faba-237	112	12	was	be	AUX
faba-237	112	13	adopted	adopt	VERB
faba-237	112	14	,	,	PUNCT
faba-237	112	15	as	as	ADP
faba-237	112	16	such	such	ADJ
faba-237	112	17	,	,	PUNCT
faba-237	112	18	all	all	DET
faba-237	112	19	the	the	DET
faba-237	112	20	saccos	sacco	NOUN
faba-237	112	21	were	be	AUX
faba-237	112	22	sampled	sample	VERB
faba-237	112	23	.	.	PUNCT
faba-237	113	1	primary	primary	ADJ
faba-237	113	2	data	datum	NOUN
faba-237	113	3	was	be	AUX
faba-237	113	4	collected	collect	VERB
faba-237	113	5	using	use	VERB
faba-237	113	6	a	a	DET
faba-237	113	7	questionnaire	questionnaire	NOUN
faba-237	113	8	.	.	PUNCT
faba-237	114	1	the	the	DET
faba-237	114	2	questionnaire	questionnaire	NOUN
faba-237	114	3	was	be	AUX
faba-237	114	4	administered	administer	VERB
faba-237	114	5	using	use	VERB
faba-237	114	6	google	google	PROPN
faba-237	114	7	forms	form	NOUN
faba-237	114	8	and	and	CCONJ
faba-237	114	9	in	in	ADP
faba-237	114	10	cases	case	NOUN
faba-237	114	11	where	where	SCONJ
faba-237	114	12	there	there	PRON
faba-237	114	13	were	be	VERB
faba-237	114	14	challenges	challenge	NOUN
faba-237	114	15	to	to	ADP
faba-237	114	16	collecting	collect	VERB
faba-237	114	17	the	the	DET
faba-237	114	18	data	datum	NOUN
faba-237	114	19	,	,	PUNCT
faba-237	114	20	the	the	DET
faba-237	114	21	researcher	researcher	NOUN
faba-237	114	22	physically	physically	ADV
faba-237	114	23	delivered	deliver	VERB
faba-237	114	24	the	the	DET
faba-237	114	25	questionnaire	questionnaire	NOUN
faba-237	114	26	.	.	PUNCT
faba-237	115	1	one	one	NUM
faba-237	115	2	questionnaire	questionnaire	NOUN
faba-237	115	3	was	be	AUX
faba-237	115	4	sent	send	VERB
faba-237	115	5	to	to	ADP
faba-237	115	6	each	each	DET
faba-237	115	7	sacco	sacco	NOUN
faba-237	115	8	.	.	PUNCT
faba-237	116	1	accordingly	accordingly	ADV
faba-237	116	2	,	,	PUNCT
faba-237	116	3	forty	forty	NUM
faba-237	116	4	-	-	PUNCT
faba-237	116	5	four	four	NUM
faba-237	116	6	questionnaires	questionnaire	NOUN
faba-237	116	7	were	be	AUX
faba-237	116	8	sent	send	VERB
faba-237	116	9	out	out	ADP
faba-237	116	10	of	of	ADP
faba-237	116	11	which	which	PRON
faba-237	116	12	thirty	thirty	NUM
faba-237	116	13	-	-	PUNCT
faba-237	116	14	three	three	NUM
faba-237	116	15	were	be	AUX
faba-237	116	16	returned	return	VERB
faba-237	116	17	out	out	ADP
faba-237	116	18	of	of	ADP
faba-237	116	19	the	the	DET
faba-237	116	20	returned	return	VERB
faba-237	116	21	questionnaires	questionnaire	NOUN
faba-237	116	22	,	,	PUNCT
faba-237	116	23	thirtytwo	thirtytwo	PROPN
faba-237	116	24	were	be	AUX
faba-237	116	25	usable	usable	ADJ
faba-237	116	26	.	.	PUNCT
faba-237	117	1	this	this	PRON
faba-237	117	2	represented	represent	VERB
faba-237	117	3	a	a	DET
faba-237	117	4	72	72	NUM
faba-237	117	5	%	%	NOUN
faba-237	117	6	response	response	NOUN
faba-237	117	7	rate	rate	NOUN
faba-237	117	8	.	.	PUNCT
faba-237	118	1	to	to	PART
faba-237	118	2	determine	determine	VERB
faba-237	118	3	whether	whether	SCONJ
faba-237	118	4	saccos	sacco	NOUN
faba-237	118	5	had	have	AUX
faba-237	118	6	adopted	adopt	VERB
faba-237	118	7	fintech	fintech	NOUN
faba-237	118	8	,	,	PUNCT
faba-237	118	9	the	the	DET
faba-237	118	10	questionnaire	questionnaire	NOUN
faba-237	118	11	(	(	PUNCT
faba-237	118	12	see	see	VERB
faba-237	118	13	the	the	DET
faba-237	118	14	appendix	appendix	NOUN
faba-237	118	15	)	)	PUNCT
faba-237	118	16	requested	request	VERB
faba-237	118	17	the	the	DET
faba-237	118	18	participants	participant	NOUN
faba-237	118	19	to	to	PART
faba-237	118	20	tick	tick	VERB
faba-237	118	21	on	on	ADP
faba-237	118	22	the	the	DET
faba-237	118	23	options	option	NOUN
faba-237	118	24	given	give	VERB
faba-237	118	25	on	on	ADP
faba-237	118	26	the	the	DET
faba-237	118	27	fintech	fintech	NOUN
faba-237	118	28	product	product	NOUN
faba-237	118	29	they	they	PRON
faba-237	118	30	were	be	AUX
faba-237	118	31	using	use	VERB
faba-237	118	32	or	or	CCONJ
faba-237	118	33	indicate	indicate	VERB
faba-237	118	34	any	any	DET
faba-237	118	35	other	other	ADJ
faba-237	118	36	product	product	NOUN
faba-237	118	37	being	be	AUX
faba-237	118	38	used	use	VERB
faba-237	118	39	if	if	SCONJ
faba-237	118	40	not	not	PART
faba-237	118	41	on	on	ADP
faba-237	118	42	the	the	DET
faba-237	118	43	list	list	NOUN
faba-237	118	44	of	of	ADP
faba-237	118	45	options	option	NOUN
faba-237	118	46	.	.	PUNCT
faba-237	119	1	the	the	DET
faba-237	119	2	other	other	ADJ
faba-237	119	3	questions	question	NOUN
faba-237	119	4	were	be	AUX
faba-237	119	5	grouped	group	VERB
faba-237	119	6	according	accord	VERB
faba-237	119	7	to	to	ADP
faba-237	119	8	the	the	DET
faba-237	119	9	variables	variable	NOUN
faba-237	119	10	being	be	AUX
faba-237	119	11	studied	study	VERB
faba-237	119	12	.	.	PUNCT
faba-237	120	1	for	for	ADP
faba-237	120	2	instance	instance	NOUN
faba-237	120	3	,	,	PUNCT
faba-237	120	4	questions	question	NOUN
faba-237	120	5	on	on	ADP
faba-237	120	6	expected	expect	VERB
faba-237	120	7	effort	effort	NOUN
faba-237	120	8	focused	focus	VERB
faba-237	120	9	on	on	ADP
faba-237	120	10	how	how	SCONJ
faba-237	120	11	respondents	respondent	NOUN
faba-237	120	12	could	could	AUX
faba-237	120	13	rate	rate	VERB
faba-237	120	14	on	on	ADP
faba-237	120	15	a	a	DET
faba-237	120	16	scale	scale	NOUN
faba-237	120	17	of	of	ADP
faba-237	120	18	1	1	NUM
faba-237	120	19	-	-	SYM
faba-237	120	20	5	5	NUM
faba-237	120	21	how	how	SCONJ
faba-237	120	22	easy	easy	ADJ
faba-237	120	23	it	it	PRON
faba-237	120	24	is	be	AUX
faba-237	120	25	to	to	PART
faba-237	120	26	understand	understand	VERB
faba-237	120	27	the	the	DET
faba-237	120	28	fintech	fintech	NOUN
faba-237	120	29	system	system	NOUN
faba-237	120	30	or	or	CCONJ
faba-237	120	31	product	product	NOUN
faba-237	120	32	,	,	PUNCT
faba-237	120	33	its	its	PRON
faba-237	120	34	user	user	NOUN
faba-237	120	35	-	-	PUNCT
faba-237	120	36	friendliness	friendliness	NOUN
faba-237	120	37	and	and	CCONJ
faba-237	120	38	convenience	convenience	NOUN
faba-237	120	39	,	,	PUNCT
faba-237	120	40	and	and	CCONJ
faba-237	120	41	trust	trust	VERB
faba-237	120	42	when	when	SCONJ
faba-237	120	43	one	one	PRON
faba-237	120	44	is	be	AUX
faba-237	120	45	using	use	VERB
faba-237	120	46	the	the	DET
faba-237	120	47	system	system	NOUN
faba-237	120	48	.	.	PUNCT
faba-237	121	1	for	for	ADP
faba-237	121	2	social	social	ADJ
faba-237	121	3	influence	influence	NOUN
faba-237	121	4	,	,	PUNCT
faba-237	121	5	participants	participant	NOUN
faba-237	121	6	rated	rate	VERB
faba-237	121	7	members	member	NOUN
faba-237	121	8	’	'	PUNCT
faba-237	121	9	and	and	CCONJ
faba-237	121	10	competitors	competitor	NOUN
faba-237	121	11	’	’	PART
faba-237	121	12	influence	influence	NOUN
faba-237	121	13	,	,	PUNCT
faba-237	121	14	and	and	CCONJ
faba-237	121	15	the	the	DET
faba-237	121	16	desire	desire	NOUN
faba-237	121	17	to	to	PART
faba-237	121	18	improve	improve	VERB
faba-237	121	19	corporate	corporate	ADJ
faba-237	121	20	image	image	NOUN
faba-237	121	21	.	.	PUNCT
faba-237	122	1	for	for	ADP
faba-237	122	2	the	the	DET
faba-237	122	3	expected	expect	VERB
faba-237	122	4	performance	performance	NOUN
faba-237	122	5	,	,	PUNCT
faba-237	122	6	the	the	DET
faba-237	122	7	questions	question	NOUN
faba-237	122	8	centered	center	VERB
faba-237	122	9	on	on	ADP
faba-237	122	10	time	time	NOUN
faba-237	122	11	savings	saving	NOUN
faba-237	122	12	,	,	PUNCT
faba-237	122	13	efficiency	efficiency	NOUN
faba-237	122	14	,	,	PUNCT
faba-237	122	15	and	and	CCONJ
faba-237	122	16	effectiveness	effectiveness	NOUN
faba-237	122	17	.	.	PUNCT
faba-237	123	1	lastly	lastly	ADV
faba-237	123	2	,	,	PUNCT
faba-237	123	3	regarding	regard	VERB
faba-237	123	4	facilitating	facilitate	VERB
faba-237	123	5	conditions	condition	NOUN
faba-237	123	6	,	,	PUNCT
faba-237	123	7	questions	question	NOUN
faba-237	123	8	assessed	assess	VERB
faba-237	123	9	the	the	DET
faba-237	123	10	availability	availability	NOUN
faba-237	123	11	of	of	ADP
faba-237	123	12	government	government	NOUN
faba-237	123	13	support	support	NOUN
faba-237	123	14	,	,	PUNCT
faba-237	123	15	regulations	regulation	NOUN
faba-237	123	16	,	,	PUNCT
faba-237	123	17	resources	resource	NOUN
faba-237	123	18	to	to	PART
faba-237	123	19	use	use	VERB
faba-237	123	20	or	or	CCONJ
faba-237	123	21	adopt	adopt	VERB
faba-237	123	22	the	the	DET
faba-237	123	23	systems	system	NOUN
faba-237	123	24	,	,	PUNCT
faba-237	123	25	technical	technical	ADJ
faba-237	123	26	knowexpected	knowexpected	ADJ
faba-237	123	27	performance	performance	NOUN
faba-237	123	28	expected	expect	VERB
faba-237	123	29	effort	effort	NOUN
faba-237	123	30	social	social	ADJ
faba-237	123	31	influence	influence	NOUN
faba-237	123	32	facilitating	facilitate	VERB
faba-237	123	33	conditions	condition	NOUN
faba-237	123	34	fintech	fintech	NOUN
faba-237	123	35	adoption	adoption	NOUN
faba-237	123	36	reuben	reuben	PROPN
faba-237	123	37	b.	b.	PROPN
faba-237	123	38	chipeta	chipeta	PROPN
faba-237	123	39	,	,	PUNCT
faba-237	123	40	andrew	andrew	PROPN
faba-237	123	41	m.	m.	PROPN
faba-237	123	42	lipunga	lipunga	PROPN
faba-237	123	43	/	/	SYM
faba-237	123	44	finance	finance	NOUN
faba-237	123	45	,	,	PUNCT
faba-237	123	46	accounting	accounting	NOUN
faba-237	123	47	and	and	CCONJ
faba-237	123	48	business	business	NOUN
faba-237	123	49	analysis	analysis	NOUN
faba-237	123	50	,	,	PUNCT
faba-237	123	51	volume	volume	NOUN
faba-237	123	52	7	7	NUM
faba-237	123	53	,	,	PUNCT
faba-237	123	54	issue	issue	NOUN
faba-237	123	55	1	1	NUM
faba-237	123	56	,	,	PUNCT
faba-237	123	57	2025	2025	NUM
faba-237	123	58	5	5	NUM
faba-237	123	59	how	how	SCONJ
faba-237	123	60	,	,	PUNCT
faba-237	123	61	and	and	CCONJ
faba-237	123	62	support	support	NOUN
faba-237	123	63	to	to	PART
faba-237	123	64	use	use	VERB
faba-237	123	65	the	the	DET
faba-237	123	66	system	system	NOUN
faba-237	123	67	.	.	PUNCT
faba-237	124	1	data	datum	NOUN
faba-237	124	2	analysis	analysis	NOUN
faba-237	124	3	the	the	DET
faba-237	124	4	dependent	dependent	ADJ
faba-237	124	5	variable	variable	NOUN
faba-237	124	6	was	be	AUX
faba-237	124	7	binary	binary	ADJ
faba-237	124	8	,	,	PUNCT
faba-237	124	9	where	where	SCONJ
faba-237	124	10	0	0	NUM
faba-237	124	11	indicated	indicate	VERB
faba-237	124	12	non	non	ADJ
faba-237	124	13	-	-	NOUN
faba-237	124	14	adoption	adoption	NOUN
faba-237	124	15	of	of	ADP
faba-237	124	16	fintech	fintech	NOUN
faba-237	124	17	and	and	CCONJ
faba-237	124	18	1	1	NUM
faba-237	124	19	indicated	indicate	VERB
faba-237	124	20	the	the	DET
faba-237	124	21	adoption	adoption	NOUN
faba-237	124	22	of	of	ADP
faba-237	124	23	fintech	fintech	NOUN
faba-237	124	24	,	,	PUNCT
faba-237	124	25	as	as	ADP
faba-237	124	26	such	such	ADJ
faba-237	124	27	,	,	PUNCT
faba-237	124	28	a	a	DET
faba-237	124	29	probit	probit	NOUN
faba-237	124	30	regression	regression	NOUN
faba-237	124	31	model	model	NOUN
faba-237	124	32	was	be	AUX
faba-237	124	33	employed	employ	VERB
faba-237	124	34	to	to	PART
faba-237	124	35	analyze	analyze	VERB
faba-237	124	36	the	the	DET
faba-237	124	37	data	datum	NOUN
faba-237	124	38	.	.	PUNCT
faba-237	125	1	the	the	DET
faba-237	125	2	following	follow	VERB
faba-237	125	3	probit	probit	NOUN
faba-237	125	4	regression	regression	NOUN
faba-237	125	5	model	model	NOUN
faba-237	125	6	was	be	AUX
faba-237	125	7	used	use	VERB
faba-237	125	8	:	:	PUNCT
faba-237	125	9	𝑝𝑟𝑜𝑏[𝑦𝑖	𝑝𝑟𝑜𝑏[𝑦𝑖	PROPN
faba-237	125	10	=	=	PUNCT
faba-237	125	11	1|𝑥𝑖	1|𝑥𝑖	NUM
faba-237	125	12	]	]	X
faba-237	125	13	=	=	SYM
faba-237	126	1	φ(𝛼	φ(𝛼	PROPN
faba-237	126	2	+	+	CCONJ
faba-237	126	3	𝛽0	𝛽0	NOUN
faba-237	126	4	+	+	CCONJ
faba-237	126	5	𝛽1𝑥1	𝛽1𝑥1	PROPN
faba-237	126	6	+	+	CCONJ
faba-237	126	7	𝛽2𝑥2	𝛽2𝑥2	PROPN
faba-237	126	8	+	+	CCONJ
faba-237	126	9	𝛽3𝑥3	𝛽3𝑥3	X
faba-237	126	10	+	+	CCONJ
faba-237	126	11	𝛽4𝑥4	𝛽4𝑥4	NOUN
faba-237	126	12	)	)	PUNCT
faba-237	126	13	(	(	PUNCT
faba-237	126	14	1	1	X
faba-237	126	15	)	)	PUNCT
faba-237	126	16	where	where	SCONJ
faba-237	126	17	φ	φ	PROPN
faba-237	126	18	is	be	AUX
faba-237	126	19	a	a	DET
faba-237	126	20	normal	normal	ADJ
faba-237	126	21	cumulative	cumulative	ADJ
faba-237	126	22	density	density	NOUN
faba-237	126	23	function	function	NOUN
faba-237	126	24	,	,	PUNCT
faba-237	126	25	𝑦	𝑦	NOUN
faba-237	126	26	𝑖	𝑖	NOUN
faba-237	126	27	is	be	AUX
faba-237	126	28	a	a	DET
faba-237	126	29	dummy	dummy	ADJ
faba-237	126	30	variable	variable	NOUN
faba-237	126	31	taking	take	VERB
faba-237	126	32	value	value	NOUN
faba-237	126	33	1	1	NUM
faba-237	126	34	if	if	SCONJ
faba-237	126	35	the	the	DET
faba-237	126	36	sacco	sacco	NOUN
faba-237	126	37	adopts	adopt	VERB
faba-237	126	38	fintech	fintech	NOUN
faba-237	126	39	and	and	CCONJ
faba-237	126	40	0	0	NUM
faba-237	126	41	otherwise	otherwise	ADV
faba-237	126	42	while	while	SCONJ
faba-237	126	43	the	the	DET
faba-237	126	44	regression	regression	NOUN
faba-237	126	45	parameters	parameter	NOUN
faba-237	126	46	were	be	AUX
faba-237	126	47	𝛽	𝛽	NOUN
faba-237	126	48	𝑖	𝑖	SYM
faba-237	126	49	=	=	PUNCT
faba-237	126	50	(	(	PUNCT
faba-237	126	51	𝛽	𝛽	NOUN
faba-237	126	52	1	1	NUM
faba-237	126	53	,	,	PUNCT
faba-237	126	54	𝛽	𝛽	PROPN
faba-237	126	55	2	2	NUM
faba-237	126	56	,	,	PUNCT
faba-237	126	57	𝛽	𝛽	NOUN
faba-237	126	58	3	3	NUM
faba-237	126	59	,	,	PUNCT
faba-237	126	60	𝛽	𝛽	PROPN
faba-237	126	61	4	4	NUM
faba-237	126	62	)	)	PUNCT
faba-237	126	63	being	be	AUX
faba-237	126	64	the	the	DET
faba-237	126	65	coefficient	coefficient	NOUN
faba-237	126	66	on	on	ADP
faba-237	126	67	the	the	DET
faba-237	126	68	first	first	ADJ
faba-237	126	69	,	,	PUNCT
faba-237	126	70	second	second	ADJ
faba-237	126	71	,	,	PUNCT
faba-237	126	72	third	third	ADJ
faba-237	126	73	and	and	CCONJ
faba-237	126	74	fourth	fourth	ADJ
faba-237	126	75	predictor	predictor	NOUN
faba-237	126	76	variables	variable	NOUN
faba-237	126	77	.	.	PUNCT
faba-237	127	1	the	the	DET
faba-237	127	2	𝑥𝑖	𝑥𝑖	PROPN
faba-237	127	3	’s	’	VERB
faba-237	127	4	represent	represent	VERB
faba-237	127	5	independent	independent	ADJ
faba-237	127	6	variables	variable	NOUN
faba-237	127	7	denoted	denote	VERB
faba-237	127	8	as	as	SCONJ
faba-237	127	9	follows	follow	VERB
faba-237	127	10	:	:	PUNCT
faba-237	127	11	𝑥1	𝑥1	NOUN
faba-237	127	12	–	–	PUNCT
faba-237	127	13	the	the	DET
faba-237	127	14	expected	expect	VERB
faba-237	127	15	effort	effort	NOUN
faba-237	127	16	𝑥2	𝑥2	NOUN
faba-237	127	17	–	–	PUNCT
faba-237	127	18	the	the	DET
faba-237	127	19	social	social	ADJ
faba-237	127	20	influence	influence	NOUN
faba-237	127	21	𝑥3	𝑥3	NOUN
faba-237	127	22	–	–	PUNCT
faba-237	127	23	the	the	DET
faba-237	127	24	expected	expect	VERB
faba-237	127	25	performance	performance	NOUN
faba-237	127	26	𝑥4	𝑥4	NOUN
faba-237	127	27	–	–	PUNCT
faba-237	127	28	the	the	DET
faba-237	127	29	facilitating	facilitating	NOUN
faba-237	127	30	conditions	condition	NOUN
faba-237	127	31	statistical	statistical	ADJ
faba-237	127	32	testing	testing	NOUN
faba-237	127	33	was	be	AUX
faba-237	127	34	done	do	VERB
faba-237	127	35	to	to	PART
faba-237	127	36	ascertain	ascertain	VERB
faba-237	127	37	the	the	DET
faba-237	127	38	relationship	relationship	NOUN
faba-237	127	39	between	between	ADP
faba-237	127	40	the	the	DET
faba-237	127	41	dependent	dependent	ADJ
faba-237	127	42	and	and	CCONJ
faba-237	127	43	the	the	DET
faba-237	127	44	independent	independent	ADJ
faba-237	127	45	variables	variable	NOUN
faba-237	127	46	in	in	ADP
faba-237	127	47	the	the	DET
faba-237	127	48	model	model	NOUN
faba-237	127	49	with	with	ADP
faba-237	127	50	the	the	DET
faba-237	127	51	help	help	NOUN
faba-237	127	52	of	of	ADP
faba-237	127	53	stata	stata	PROPN
faba-237	127	54	software	software	PROPN
faba-237	127	55	.	.	PUNCT
faba-237	128	1	result	result	NOUN
faba-237	128	2	and	and	CCONJ
faba-237	128	3	discussion	discussion	NOUN
faba-237	128	4	demographic	demographic	ADJ
faba-237	128	5	characteristics	characteristic	NOUN
faba-237	128	6	as	as	SCONJ
faba-237	128	7	it	it	PRON
faba-237	128	8	has	have	AUX
faba-237	128	9	already	already	ADV
faba-237	128	10	been	be	AUX
faba-237	128	11	noted	note	VERB
faba-237	128	12	,	,	PUNCT
faba-237	128	13	33	33	NUM
faba-237	128	14	responses	response	NOUN
faba-237	128	15	were	be	AUX
faba-237	128	16	received	receive	VERB
faba-237	128	17	out	out	ADP
faba-237	128	18	of	of	ADP
faba-237	128	19	which	which	PRON
faba-237	128	20	32	32	NUM
faba-237	128	21	were	be	AUX
faba-237	128	22	usable	usable	ADJ
faba-237	128	23	representing	represent	VERB
faba-237	128	24	a	a	DET
faba-237	128	25	72	72	NUM
faba-237	128	26	%	%	NOUN
faba-237	128	27	response	response	NOUN
faba-237	128	28	rate	rate	NOUN
faba-237	128	29	.	.	PUNCT
faba-237	129	1	in	in	ADP
faba-237	129	2	terms	term	NOUN
faba-237	129	3	of	of	ADP
faba-237	129	4	years	year	NOUN
faba-237	129	5	of	of	ADP
faba-237	129	6	existence	existence	NOUN
faba-237	129	7	,	,	PUNCT
faba-237	129	8	34	34	NUM
faba-237	129	9	%	%	NOUN
faba-237	129	10	of	of	ADP
faba-237	129	11	the	the	DET
faba-237	129	12	saccos	sacco	NOUN
faba-237	129	13	were	be	AUX
faba-237	129	14	less	less	ADJ
faba-237	129	15	than	than	ADP
faba-237	129	16	10	10	NUM
faba-237	129	17	years	year	NOUN
faba-237	129	18	old	old	ADJ
faba-237	129	19	.	.	PUNCT
faba-237	130	1	the	the	DET
faba-237	130	2	same	same	ADJ
faba-237	130	3	was	be	AUX
faba-237	130	4	observed	observe	VERB
faba-237	130	5	for	for	ADP
faba-237	130	6	those	those	PRON
faba-237	130	7	with	with	ADP
faba-237	130	8	years	year	NOUN
faba-237	130	9	of	of	ADP
faba-237	130	10	existence	existence	NOUN
faba-237	130	11	between	between	ADP
faba-237	130	12	10	10	NUM
faba-237	130	13	-	-	SYM
faba-237	130	14	20	20	NUM
faba-237	130	15	years	year	NOUN
faba-237	130	16	.	.	PUNCT
faba-237	131	1	the	the	DET
faba-237	131	2	remaining	remain	VERB
faba-237	131	3	31	31	NUM
faba-237	131	4	%	%	NOUN
faba-237	131	5	were	be	AUX
faba-237	131	6	found	find	VERB
faba-237	131	7	to	to	PART
faba-237	131	8	have	have	AUX
faba-237	131	9	existed	exist	VERB
faba-237	131	10	for	for	ADP
faba-237	131	11	more	more	ADJ
faba-237	131	12	than	than	ADP
faba-237	131	13	20	20	NUM
faba-237	131	14	years	year	NOUN
faba-237	131	15	.	.	PUNCT
faba-237	132	1	with	with	ADP
faba-237	132	2	regards	regard	NOUN
faba-237	132	3	to	to	ADP
faba-237	132	4	membership	membership	NOUN
faba-237	132	5	,	,	PUNCT
faba-237	132	6	97	97	NUM
faba-237	132	7	%	%	NOUN
faba-237	132	8	of	of	ADP
faba-237	132	9	saccos	sacco	NOUN
faba-237	132	10	have	have	VERB
faba-237	132	11	a	a	DET
faba-237	132	12	membership	membership	NOUN
faba-237	132	13	of	of	ADP
faba-237	132	14	less	less	ADJ
faba-237	132	15	than	than	ADP
faba-237	132	16	20,000	20,000	NUM
faba-237	132	17	.	.	PUNCT
faba-237	133	1	the	the	DET
faba-237	133	2	remaining	remain	VERB
faba-237	133	3	3	3	NUM
faba-237	133	4	%	%	NOUN
faba-237	133	5	has	have	VERB
faba-237	133	6	a	a	DET
faba-237	133	7	membership	membership	NOUN
faba-237	133	8	of	of	ADP
faba-237	133	9	more	more	ADJ
faba-237	133	10	than	than	ADP
faba-237	133	11	20,000	20,000	NUM
faba-237	133	12	.	.	PUNCT
faba-237	134	1	descriptive	descriptive	ADJ
faba-237	134	2	statistics	statistic	NOUN
faba-237	134	3	the	the	DET
faba-237	134	4	questionnaire	questionnaire	NOUN
faba-237	134	5	had	have	VERB
faba-237	134	6	questions	question	NOUN
faba-237	134	7	whose	whose	DET
faba-237	134	8	responses	response	NOUN
faba-237	134	9	were	be	AUX
faba-237	134	10	measured	measure	VERB
faba-237	134	11	using	use	VERB
faba-237	134	12	the	the	DET
faba-237	134	13	likert	likert	ADJ
faba-237	134	14	scale	scale	NOUN
faba-237	134	15	of	of	ADP
faba-237	134	16	1	1	NUM
faba-237	134	17	–	–	SYM
faba-237	134	18	5	5	NUM
faba-237	134	19	,	,	PUNCT
faba-237	134	20	with	with	ADP
faba-237	134	21	1	1	NUM
faba-237	134	22	representing	represent	VERB
faba-237	134	23	strongly	strongly	ADV
faba-237	134	24	disagree	disagree	VERB
faba-237	134	25	,	,	PUNCT
faba-237	134	26	2	2	NUM
faba-237	134	27	disagree	disagree	VERB
faba-237	134	28	,	,	PUNCT
faba-237	134	29	3	3	NUM
faba-237	134	30	neutral	neutral	ADJ
faba-237	134	31	,	,	PUNCT
faba-237	134	32	4	4	NUM
faba-237	134	33	agree	agree	VERB
faba-237	134	34	and	and	CCONJ
faba-237	134	35	5	5	NUM
faba-237	134	36	strongly	strongly	ADV
faba-237	134	37	agree	agree	VERB
faba-237	134	38	except	except	SCONJ
faba-237	134	39	for	for	ADP
faba-237	134	40	fintech	fintech	NOUN
faba-237	134	41	adoption	adoption	NOUN
faba-237	134	42	which	which	PRON
faba-237	134	43	had	have	VERB
faba-237	134	44	a	a	DET
faba-237	134	45	binary	binary	ADJ
faba-237	134	46	measure	measure	NOUN
faba-237	134	47	of	of	ADP
faba-237	134	48	yes	yes	INTJ
faba-237	134	49	(	(	PUNCT
faba-237	134	50	1	1	NUM
faba-237	134	51	)	)	PUNCT
faba-237	134	52	,	,	PUNCT
faba-237	134	53	or	or	CCONJ
faba-237	134	54	no	no	PRON
faba-237	134	55	(	(	PUNCT
faba-237	134	56	0	0	NUM
faba-237	134	57	)	)	PUNCT
faba-237	134	58	.	.	PUNCT
faba-237	135	1	all	all	DET
faba-237	135	2	four	four	NUM
faba-237	135	3	constructs	construct	NOUN
faba-237	135	4	of	of	ADP
faba-237	135	5	the	the	DET
faba-237	135	6	utaut	utaut	PROPN
faba-237	135	7	model	model	NOUN
faba-237	135	8	had	have	VERB
faba-237	135	9	questions	question	NOUN
faba-237	135	10	that	that	PRON
faba-237	135	11	were	be	AUX
faba-237	135	12	collectively	collectively	ADV
faba-237	135	13	answering	answer	VERB
faba-237	135	14	their	their	PRON
faba-237	135	15	level	level	NOUN
faba-237	135	16	of	of	ADP
faba-237	135	17	influence	influence	NOUN
faba-237	135	18	.	.	PUNCT
faba-237	136	1	table	table	NOUN
faba-237	136	2	1	1	NUM
faba-237	136	3	provides	provide	VERB
faba-237	136	4	the	the	DET
faba-237	136	5	descriptive	descriptive	ADJ
faba-237	136	6	results	result	NOUN
faba-237	136	7	for	for	ADP
faba-237	136	8	the	the	DET
faba-237	136	9	variables	variable	NOUN
faba-237	136	10	.	.	PUNCT
faba-237	137	1	table	table	NOUN
faba-237	137	2	1	1	NUM
faba-237	137	3	.	.	PUNCT
faba-237	137	4	descriptive	descriptive	ADJ
faba-237	137	5	statistics	statistic	NOUN
faba-237	137	6	results	result	VERB
faba-237	137	7	variables	variable	VERB
faba-237	137	8	sample	sample	NOUN
faba-237	137	9	size	size	NOUN
faba-237	137	10	mean	mean	VERB
faba-237	137	11	std	std	X
faba-237	137	12	.	.	PUNCT
faba-237	138	1	deviation	deviation	NOUN
faba-237	138	2	minimum	minimum	ADJ
faba-237	138	3	maximum	maximum	ADJ
faba-237	138	4	fintech	fintech	NOUN
faba-237	138	5	adoption	adoption	NOUN
faba-237	138	6	32	32	NUM
faba-237	138	7	0.875	0.875	NUM
faba-237	138	8	0.336	0.336	NUM
faba-237	138	9	0.000	0.000	NUM
faba-237	138	10	1.000	1.000	NUM
faba-237	138	11	expected	expect	VERB
faba-237	138	12	effort	effort	NOUN
faba-237	138	13	32	32	NUM
faba-237	138	14	3.820	3.820	NUM
faba-237	138	15	0.670	0.670	NUM
faba-237	138	16	2.000	2.000	NUM
faba-237	138	17	5.000	5.000	NUM
faba-237	138	18	social	social	ADJ
faba-237	138	19	influence	influence	NOUN
faba-237	138	20	32	32	NUM
faba-237	138	21	4.089	4.089	NUM
faba-237	138	22	0.576	0.576	NUM
faba-237	138	23	2.500	2.500	NUM
faba-237	138	24	5.000	5.000	NUM
faba-237	138	25	expected	expect	VERB
faba-237	138	26	performance	performance	NOUN
faba-237	138	27	32	32	NUM
faba-237	138	28	4.203	4.203	NUM
faba-237	138	29	0.610	0.610	NUM
faba-237	138	30	2.333	2.333	NUM
faba-237	138	31	5.000	5.000	NUM
faba-237	138	32	facilitating	facilitate	VERB
faba-237	138	33	conditions	condition	NOUN
faba-237	138	34	32	32	NUM
faba-237	138	35	3.526	3.526	NUM
faba-237	138	36	0.618	0.618	NUM
faba-237	138	37	1.833	1.833	NUM
faba-237	138	38	4.667	4.667	NUM
faba-237	138	39	source	source	NOUN
faba-237	138	40	:	:	PUNCT
faba-237	138	41	data	datum	NOUN
faba-237	138	42	processed	process	VERB
faba-237	138	43	(	(	PUNCT
faba-237	138	44	2024	2024	NUM
faba-237	138	45	)	)	PUNCT
faba-237	138	46	the	the	DET
faba-237	138	47	results	result	NOUN
faba-237	138	48	indicate	indicate	VERB
faba-237	138	49	that	that	SCONJ
faba-237	138	50	87.5	87.5	NUM
faba-237	138	51	%	%	NOUN
faba-237	138	52	of	of	ADP
faba-237	138	53	the	the	DET
faba-237	138	54	sampled	sample	VERB
faba-237	138	55	saccos	sacco	NOUN
faba-237	138	56	had	have	AUX
faba-237	138	57	adopted	adopt	VERB
faba-237	138	58	fintech	fintech	NOUN
faba-237	138	59	.	.	PUNCT
faba-237	139	1	the	the	DET
faba-237	139	2	high	high	ADJ
faba-237	139	3	rate	rate	NOUN
faba-237	139	4	of	of	ADP
faba-237	139	5	adoption	adoption	NOUN
faba-237	139	6	is	be	AUX
faba-237	139	7	not	not	PART
faba-237	139	8	surprising	surprising	ADJ
faba-237	139	9	as	as	SCONJ
faba-237	139	10	the	the	DET
faba-237	139	11	world	world	NOUN
faba-237	139	12	is	be	AUX
faba-237	139	13	going	go	VERB
faba-237	139	14	digital	digital	ADJ
faba-237	139	15	,	,	PUNCT
faba-237	139	16	as	as	SCONJ
faba-237	139	17	such	such	ADJ
faba-237	139	18	,	,	PUNCT
faba-237	139	19	organizations	organization	NOUN
faba-237	139	20	even	even	ADV
faba-237	139	21	in	in	ADP
faba-237	139	22	developing	develop	VERB
faba-237	139	23	countries	country	NOUN
faba-237	139	24	are	be	AUX
faba-237	139	25	going	go	VERB
faba-237	139	26	along	along	ADV
faba-237	139	27	in	in	ADP
faba-237	139	28	adopting	adopt	VERB
faba-237	139	29	relevant	relevant	ADJ
faba-237	139	30	technologies	technology	NOUN
faba-237	139	31	to	to	PART
faba-237	139	32	remain	remain	VERB
faba-237	139	33	competitive	competitive	ADJ
faba-237	139	34	.	.	PUNCT
faba-237	140	1	in	in	ADP
faba-237	140	2	terms	term	NOUN
faba-237	140	3	of	of	ADP
faba-237	140	4	the	the	DET
faba-237	140	5	independent	independent	ADJ
faba-237	140	6	variables	variable	NOUN
faba-237	140	7	,	,	PUNCT
faba-237	140	8	the	the	DET
faba-237	140	9	minimum	minimum	ADJ
faba-237	140	10	mean	mean	NOUN
faba-237	140	11	score	score	NOUN
faba-237	140	12	on	on	ADP
faba-237	140	13	the	the	DET
faba-237	140	14	constructs	construct	NOUN
faba-237	140	15	was	be	AUX
faba-237	140	16	3.5	3.5	NUM
faba-237	140	17	whilst	whilst	SCONJ
faba-237	140	18	the	the	DET
faba-237	140	19	maximum	maximum	ADJ
faba-237	140	20	average	average	NOUN
faba-237	140	21	was	be	AUX
faba-237	140	22	4.1	4.1	NUM
faba-237	140	23	.	.	PUNCT
faba-237	141	1	this	this	PRON
faba-237	141	2	meant	mean	VERB
faba-237	141	3	that	that	SCONJ
faba-237	141	4	most	most	ADJ
faba-237	141	5	of	of	ADP
faba-237	141	6	the	the	DET
faba-237	141	7	responses	response	NOUN
faba-237	141	8	were	be	AUX
faba-237	141	9	positive	positive	ADJ
faba-237	141	10	as	as	SCONJ
faba-237	141	11	they	they	PRON
faba-237	141	12	were	be	AUX
faba-237	141	13	above	above	ADP
faba-237	141	14	the	the	DET
faba-237	141	15	neutral	neutral	ADJ
faba-237	141	16	value	value	NOUN
faba-237	141	17	of	of	ADP
faba-237	141	18	3	3	NUM
faba-237	141	19	.	.	PUNCT
faba-237	142	1	on	on	ADP
faba-237	142	2	the	the	DET
faba-237	142	3	expected	expect	VERB
faba-237	142	4	effort	effort	NOUN
faba-237	142	5	,	,	PUNCT
faba-237	142	6	the	the	DET
faba-237	142	7	mean	mean	ADJ
faba-237	142	8	score	score	NOUN
faba-237	142	9	was	be	AUX
faba-237	142	10	3.820	3.820	NUM
faba-237	142	11	,	,	PUNCT
faba-237	142	12	which	which	PRON
faba-237	142	13	is	be	AUX
faba-237	142	14	above	above	ADP
faba-237	142	15	3	3	NUM
faba-237	142	16	representing	represent	VERB
faba-237	142	17	a	a	DET
faba-237	142	18	neutral	neutral	ADJ
faba-237	142	19	stance	stance	NOUN
faba-237	142	20	as	as	SCONJ
faba-237	142	21	it	it	PRON
faba-237	142	22	is	be	AUX
faba-237	142	23	slightly	slightly	ADV
faba-237	142	24	lower	low	ADJ
faba-237	142	25	than	than	SCONJ
faba-237	142	26	agree	agree	VERB
faba-237	142	27	(	(	PUNCT
faba-237	142	28	4	4	NUM
faba-237	142	29	)	)	PUNCT
faba-237	142	30	.	.	PUNCT
faba-237	143	1	on	on	ADP
faba-237	143	2	social	social	ADJ
faba-237	143	3	influence	influence	NOUN
faba-237	143	4	,	,	PUNCT
faba-237	143	5	the	the	DET
faba-237	143	6	average	average	ADJ
faba-237	143	7	score	score	NOUN
faba-237	143	8	was	be	AUX
faba-237	143	9	4.089	4.089	NUM
faba-237	143	10	,	,	PUNCT
faba-237	143	11	which	which	PRON
faba-237	143	12	is	be	AUX
faba-237	143	13	somewhat	somewhat	ADV
faba-237	143	14	above	above	ADP
faba-237	143	15	agreement	agreement	NOUN
faba-237	143	16	(	(	PUNCT
faba-237	143	17	4	4	NUM
faba-237	143	18	)	)	PUNCT
faba-237	143	19	.	.	PUNCT
faba-237	144	1	regarding	regard	VERB
faba-237	144	2	expected	expect	VERB
faba-237	144	3	performance	performance	NOUN
faba-237	144	4	,	,	PUNCT
faba-237	144	5	the	the	DET
faba-237	144	6	mean	mean	ADJ
faba-237	144	7	score	score	NOUN
faba-237	144	8	was	be	AUX
faba-237	144	9	4.203	4.203	NUM
faba-237	144	10	which	which	PRON
faba-237	144	11	is	be	AUX
faba-237	144	12	slightly	slightly	ADV
faba-237	144	13	above	above	ADP
faba-237	144	14	4	4	NUM
faba-237	144	15	which	which	PRON
faba-237	144	16	represents	represent	VERB
faba-237	144	17	agreement	agreement	NOUN
faba-237	144	18	.	.	PUNCT
faba-237	145	1	likewise	likewise	ADV
faba-237	145	2	,	,	PUNCT
faba-237	145	3	the	the	DET
faba-237	145	4	mean	mean	ADJ
faba-237	145	5	score	score	NOUN
faba-237	145	6	for	for	ADP
faba-237	145	7	facilitating	facilitate	VERB
faba-237	145	8	conditions	condition	NOUN
faba-237	145	9	was	be	AUX
faba-237	145	10	4.667	4.667	NUM
faba-237	145	11	which	which	PRON
faba-237	145	12	is	be	AUX
faba-237	145	13	somewhat	somewhat	ADV
faba-237	145	14	lower	low	ADJ
faba-237	145	15	than	than	SCONJ
faba-237	145	16	strongly	strongly	ADV
faba-237	145	17	agree	agree	VERB
faba-237	145	18	(	(	PUNCT
faba-237	145	19	5	5	NUM
faba-237	145	20	)	)	PUNCT
faba-237	145	21	but	but	CCONJ
faba-237	145	22	above	above	ADP
faba-237	145	23	agree	agree	VERB
faba-237	145	24	(	(	PUNCT
faba-237	145	25	4	4	NUM
faba-237	145	26	)	)	PUNCT
faba-237	145	27	.	.	PUNCT
faba-237	146	1	reuben	reuben	PROPN
faba-237	146	2	b.	b.	PROPN
faba-237	146	3	chipeta	chipeta	PROPN
faba-237	146	4	,	,	PUNCT
faba-237	146	5	andrew	andrew	PROPN
faba-237	146	6	m.	m.	PROPN
faba-237	146	7	lipunga	lipunga	PROPN
faba-237	146	8	/	/	SYM
faba-237	146	9	finance	finance	NOUN
faba-237	146	10	,	,	PUNCT
faba-237	146	11	accounting	accounting	NOUN
faba-237	146	12	and	and	CCONJ
faba-237	146	13	business	business	NOUN
faba-237	146	14	analysis	analysis	NOUN
faba-237	146	15	,	,	PUNCT
faba-237	146	16	volume	volume	NOUN
faba-237	146	17	7	7	NUM
faba-237	146	18	,	,	PUNCT
faba-237	146	19	issue	issue	NOUN
faba-237	146	20	1	1	NUM
faba-237	146	21	,	,	PUNCT
faba-237	146	22	2025	2025	NUM
faba-237	146	23	6	6	NUM
faba-237	146	24	diagnostic	diagnostic	ADJ
faba-237	146	25	tests	test	NOUN
faba-237	146	26	reliability	reliability	NOUN
faba-237	146	27	tests	test	NOUN
faba-237	146	28	cronbach	cronbach	VERB
faba-237	146	29	’s	’s	PART
faba-237	146	30	alpha	alpha	NOUN
faba-237	146	31	was	be	AUX
faba-237	146	32	computed	compute	VERB
faba-237	146	33	to	to	PART
faba-237	146	34	assess	assess	VERB
faba-237	146	35	reliability	reliability	NOUN
faba-237	146	36	.	.	PUNCT
faba-237	147	1	the	the	DET
faba-237	147	2	computed	compute	VERB
faba-237	147	3	cronbach	cronbach	NOUN
faba-237	147	4	’s	’s	PART
faba-237	147	5	was	be	AUX
faba-237	147	6	based	base	VERB
faba-237	147	7	on	on	ADP
faba-237	147	8	variables	variable	NOUN
faba-237	147	9	which	which	PRON
faba-237	147	10	included	include	VERB
faba-237	147	11	fintech	fintech	NOUN
faba-237	147	12	adoption	adoption	NOUN
faba-237	147	13	,	,	PUNCT
faba-237	147	14	expected	expect	VERB
faba-237	147	15	performance	performance	NOUN
faba-237	147	16	,	,	PUNCT
faba-237	147	17	expected	expect	VERB
faba-237	147	18	effort	effort	NOUN
faba-237	147	19	,	,	PUNCT
faba-237	147	20	social	social	ADJ
faba-237	147	21	influence	influence	NOUN
faba-237	147	22	,	,	PUNCT
faba-237	147	23	and	and	CCONJ
faba-237	147	24	facilitating	facilitate	VERB
faba-237	147	25	conditions	condition	NOUN
faba-237	147	26	.	.	PUNCT
faba-237	148	1	the	the	DET
faba-237	148	2	results	result	NOUN
faba-237	148	3	from	from	ADP
faba-237	148	4	this	this	DET
faba-237	148	5	test	test	NOUN
faba-237	148	6	are	be	AUX
faba-237	148	7	presented	present	VERB
faba-237	148	8	in	in	ADP
faba-237	148	9	table	table	NOUN
faba-237	148	10	2	2	NUM
faba-237	148	11	.	.	PUNCT
faba-237	148	12	table	table	NOUN
faba-237	148	13	2	2	NUM
faba-237	148	14	.	.	PUNCT
faba-237	149	1	cronbach	cronbach	PROPN
faba-237	149	2	’s	’s	PART
faba-237	149	3	alpha	alpha	NOUN
faba-237	149	4	results	result	VERB
faba-237	149	5	item	item	NOUN
faba-237	149	6	-	-	PUNCT
faba-237	149	7	test	test	NOUN
faba-237	149	8	item	item	NOUN
faba-237	149	9	-	-	PUNCT
faba-237	149	10	rest	rest	NOUN
faba-237	149	11	average	average	ADJ
faba-237	149	12	inter	inter	ADJ
faba-237	149	13	-	-	ADJ
faba-237	149	14	item	item	ADJ
faba-237	149	15	item	item	NOUN
faba-237	149	16	observations	observation	NOUN
faba-237	149	17	sign	sign	VERB
faba-237	149	18	correlation	correlation	NOUN
faba-237	149	19	correlation	correlation	NOUN
faba-237	149	20	correlation	correlation	NOUN
faba-237	149	21	alpha	alpha	NOUN
faba-237	149	22	fintech	fintech	NOUN
faba-237	149	23	adopted	adopt	VERB
faba-237	149	24	32	32	NUM
faba-237	149	25	+	+	CCONJ
faba-237	149	26	0.763	0.763	NUM
faba-237	149	27	0.600	0.600	NUM
faba-237	149	28	0.375	0.375	NUM
faba-237	149	29	0.706	0.706	NUM
faba-237	149	30	expected	expect	VERB
faba-237	149	31	effort	effort	NOUN
faba-237	149	32	32	32	NUM
faba-237	149	33	+	+	CCONJ
faba-237	149	34	0.623	0.623	NUM
faba-237	149	35	0.404	0.404	NUM
faba-237	149	36	0.459	0.459	NUM
faba-237	149	37	0.772	0.772	NUM
faba-237	149	38	social	social	ADJ
faba-237	149	39	influence	influence	NOUN
faba-237	149	40	32	32	NUM
faba-237	149	41	+	+	CCONJ
faba-237	149	42	0.842	0.842	NUM
faba-237	149	43	0.724	0.724	NUM
faba-237	149	44	0.327	0.327	NUM
faba-237	149	45	0.660	0.660	NUM
faba-237	149	46	expected	expect	VERB
faba-237	149	47	performance	performance	NOUN
faba-237	149	48	32	32	NUM
faba-237	149	49	+	+	CCONJ
faba-237	149	50	0.803	0.803	NUM
faba-237	149	51	0.662	0.662	NUM
faba-237	149	52	0.350	0.350	NUM
faba-237	149	53	0.683	0.683	NUM
faba-237	149	54	facilitating	facilitate	VERB
faba-237	149	55	conditions	condition	NOUN
faba-237	149	56	32	32	NUM
faba-237	149	57	+	+	CCONJ
faba-237	149	58	0.574	0.574	NUM
faba-237	149	59	0.340	0.340	NUM
faba-237	149	60	0.488	0.488	NUM
faba-237	149	61	0.792	0.792	NUM
faba-237	149	62	test	test	NOUN
faba-237	149	63	scale	scale	NOUN
faba-237	149	64	0.3999	0.3999	NUM
faba-237	149	65	0.769	0.769	NUM
faba-237	149	66	source	source	NOUN
faba-237	149	67	:	:	PUNCT
faba-237	149	68	data	datum	NOUN
faba-237	149	69	processed	process	VERB
faba-237	149	70	(	(	PUNCT
faba-237	149	71	2024	2024	NUM
faba-237	149	72	)	)	PUNCT
faba-237	149	73	the	the	DET
faba-237	149	74	overall	overall	ADJ
faba-237	149	75	alpha	alpha	ADJ
faba-237	149	76	result	result	NOUN
faba-237	149	77	of	of	ADP
faba-237	149	78	0.77	0.77	NUM
faba-237	149	79	suggests	suggest	VERB
faba-237	149	80	that	that	SCONJ
faba-237	149	81	there	there	PRON
faba-237	149	82	was	be	VERB
faba-237	149	83	a	a	DET
faba-237	149	84	strong	strong	ADJ
faba-237	149	85	internal	internal	ADJ
faba-237	149	86	consistency	consistency	NOUN
faba-237	149	87	in	in	ADP
faba-237	149	88	the	the	DET
faba-237	149	89	variables	variable	NOUN
faba-237	149	90	(	(	PUNCT
faba-237	149	91	taber	taber	PROPN
faba-237	149	92	2018	2018	NUM
faba-237	149	93	)	)	PUNCT
faba-237	149	94	.	.	PUNCT
faba-237	150	1	the	the	DET
faba-237	150	2	alphas	alpha	NOUN
faba-237	150	3	of	of	ADP
faba-237	150	4	the	the	DET
faba-237	150	5	variables	variable	NOUN
faba-237	150	6	ranged	range	VERB
faba-237	150	7	between	between	ADP
faba-237	150	8	0.660	0.660	NUM
faba-237	150	9	and	and	CCONJ
faba-237	150	10	0.792	0.792	NUM
faba-237	150	11	,	,	PUNCT
faba-237	150	12	as	as	ADP
faba-237	150	13	such	such	ADJ
faba-237	150	14	,	,	PUNCT
faba-237	150	15	they	they	PRON
faba-237	150	16	fall	fall	VERB
faba-237	150	17	in	in	ADP
faba-237	150	18	the	the	DET
faba-237	150	19	acceptable	acceptable	ADJ
faba-237	150	20	zone	zone	NOUN
faba-237	150	21	.	.	PUNCT
faba-237	151	1	this	this	PRON
faba-237	151	2	means	mean	VERB
faba-237	151	3	that	that	SCONJ
faba-237	151	4	the	the	DET
faba-237	151	5	whole	whole	ADJ
faba-237	151	6	set	set	NOUN
faba-237	151	7	of	of	ADP
faba-237	151	8	variables	variable	NOUN
faba-237	151	9	were	be	AUX
faba-237	151	10	measuring	measure	VERB
faba-237	151	11	the	the	DET
faba-237	151	12	same	same	ADJ
faba-237	151	13	underlying	underlying	ADJ
faba-237	151	14	dependent	dependent	ADJ
faba-237	151	15	variable	variable	NOUN
faba-237	151	16	.	.	PUNCT
faba-237	152	1	multicollinearity	multicollinearity	NOUN
faba-237	152	2	the	the	DET
faba-237	152	3	researcher	researcher	NOUN
faba-237	152	4	tested	test	VERB
faba-237	152	5	for	for	ADP
faba-237	152	6	multicollinearity	multicollinearity	NOUN
faba-237	152	7	.	.	PUNCT
faba-237	153	1	in	in	ADP
faba-237	153	2	this	this	DET
faba-237	153	3	process	process	NOUN
faba-237	153	4	,	,	PUNCT
faba-237	153	5	correlation	correlation	NOUN
faba-237	153	6	was	be	AUX
faba-237	153	7	tested	test	VERB
faba-237	153	8	first	first	ADV
faba-237	153	9	(	(	PUNCT
faba-237	153	10	zakariyah	zakariyah	PROPN
faba-237	153	11	et	et	PROPN
faba-237	153	12	al	al	PROPN
faba-237	153	13	.	.	PROPN
faba-237	153	14	2023	2023	NUM
faba-237	153	15	)	)	PUNCT
faba-237	153	16	.	.	PUNCT
faba-237	154	1	it	it	PRON
faba-237	154	2	is	be	AUX
faba-237	154	3	worth	worth	ADJ
faba-237	154	4	noting	note	VERB
faba-237	154	5	that	that	SCONJ
faba-237	154	6	some	some	DET
faba-237	154	7	scholars	scholar	NOUN
faba-237	154	8	argue	argue	VERB
faba-237	154	9	that	that	SCONJ
faba-237	154	10	a	a	DET
faba-237	154	11	value	value	NOUN
faba-237	154	12	of	of	ADP
faba-237	154	13	0.80	0.80	NUM
faba-237	154	14	or	or	CCONJ
faba-237	154	15	higher	high	ADJ
faba-237	154	16	is	be	AUX
faba-237	154	17	a	a	DET
faba-237	154	18	sign	sign	NOUN
faba-237	154	19	of	of	ADP
faba-237	154	20	multicollinearity	multicollinearity	NOUN
faba-237	154	21	(	(	PUNCT
faba-237	154	22	shrestha	shrestha	NOUN
faba-237	154	23	,	,	PUNCT
faba-237	154	24	2020	2020	NUM
faba-237	154	25	)	)	PUNCT
faba-237	154	26	,	,	PUNCT
faba-237	154	27	while	while	SCONJ
faba-237	154	28	others	other	NOUN
faba-237	154	29	state	state	VERB
faba-237	154	30	that	that	SCONJ
faba-237	154	31	a	a	DET
faba-237	154	32	correlation	correlation	NOUN
faba-237	154	33	of	of	ADP
faba-237	154	34	0.70	0.70	NUM
faba-237	154	35	or	or	CCONJ
faba-237	154	36	higher	high	ADJ
faba-237	154	37	should	should	AUX
faba-237	154	38	be	be	AUX
faba-237	154	39	a	a	DET
faba-237	154	40	course	course	NOUN
faba-237	154	41	of	of	ADP
faba-237	154	42	concern	concern	NOUN
faba-237	154	43	(	(	PUNCT
faba-237	154	44	pallant	pallant	NOUN
faba-237	154	45	2010	2010	NUM
faba-237	154	46	;	;	PUNCT
faba-237	154	47	tarhini	tarhini	NOUN
faba-237	154	48	et	et	PROPN
faba-237	154	49	al	al	PROPN
faba-237	154	50	.	.	PROPN
faba-237	154	51	2016	2016	NUM
faba-237	154	52	)	)	PUNCT
faba-237	154	53	.	.	PUNCT
faba-237	155	1	however	however	ADV
faba-237	155	2	,	,	PUNCT
faba-237	155	3	multicollinearity	multicollinearity	NOUN
faba-237	155	4	is	be	AUX
faba-237	155	5	detected	detect	VERB
faba-237	155	6	through	through	ADP
faba-237	155	7	the	the	DET
faba-237	155	8	use	use	NOUN
faba-237	155	9	of	of	ADP
faba-237	155	10	variance	variance	NOUN
faba-237	155	11	inflation	inflation	NOUN
faba-237	155	12	factor	factor	NOUN
faba-237	155	13	(	(	PUNCT
faba-237	155	14	vif	vif	PROPN
faba-237	155	15	)	)	PUNCT
faba-237	155	16	.	.	PUNCT
faba-237	156	1	vif	vif	NOUN
faba-237	156	2	of	of	ADP
faba-237	156	3	less	less	ADJ
faba-237	156	4	than	than	ADP
faba-237	156	5	3	3	NUM
faba-237	156	6	is	be	AUX
faba-237	156	7	deemed	deem	VERB
faba-237	156	8	acceptable	acceptable	ADJ
faba-237	156	9	which	which	PRON
faba-237	156	10	indicates	indicate	VERB
faba-237	156	11	that	that	SCONJ
faba-237	156	12	multicollinearity	multicollinearity	NOUN
faba-237	156	13	is	be	AUX
faba-237	156	14	minimal	minimal	ADJ
faba-237	156	15	or	or	CCONJ
faba-237	156	16	non	non	ADJ
faba-237	156	17	-	-	ADJ
faba-237	156	18	existent	existent	ADJ
faba-237	156	19	.	.	PUNCT
faba-237	157	1	tables	table	NOUN
faba-237	157	2	3	3	NUM
faba-237	157	3	and	and	CCONJ
faba-237	157	4	4	4	NUM
faba-237	157	5	show	show	VERB
faba-237	157	6	the	the	DET
faba-237	157	7	correlation	correlation	NOUN
faba-237	157	8	and	and	CCONJ
faba-237	157	9	vif	vif	NOUN
faba-237	157	10	test	test	NOUN
faba-237	157	11	results	result	NOUN
faba-237	157	12	.	.	PUNCT
faba-237	158	1	table	table	NOUN
faba-237	158	2	1	1	NUM
faba-237	158	3	.	.	PUNCT
faba-237	159	1	correlation	correlation	NOUN
faba-237	159	2	coefficients	coefficient	NOUN
faba-237	159	3	results	result	NOUN
faba-237	159	4	fintech	fintech	NOUN
faba-237	159	5	adopted	adopt	VERB
faba-237	159	6	expected	expect	VERB
faba-237	159	7	effort	effort	NOUN
faba-237	159	8	social	social	ADJ
faba-237	159	9	influence	influence	NOUN
faba-237	159	10	expected	expect	VERB
faba-237	159	11	performance	performance	NOUN
faba-237	159	12	facilitating	facilitate	VERB
faba-237	159	13	conditions	condition	NOUN
faba-237	159	14	fintech	fintech	NOUN
faba-237	159	15	adopted	adopt	VERB
faba-237	159	16	1	1	NUM
faba-237	159	17	expected	expect	VERB
faba-237	159	18	effort	effort	NOUN
faba-237	159	19	0.291	0.291	NUM
faba-237	159	20	1	1	NUM
faba-237	159	21	social	social	ADJ
faba-237	159	22	influence	influence	NOUN
faba-237	159	23	0.560	0.560	NUM
faba-237	159	24	0.476	0.476	NUM
faba-237	159	25	1	1	NUM
faba-237	159	26	expected	expect	VERB
faba-237	159	27	performance	performance	NOUN
faba-237	159	28	0.521	0.521	NUM
faba-237	159	29	0.392	0.392	NUM
faba-237	159	30	0.691	0.691	NUM
faba-237	159	31	1	1	NUM
faba-237	159	32	facilitating	facilitate	VERB
faba-237	159	33	conditions	condition	NOUN
faba-237	159	34	0.378	0.378	NUM
faba-237	159	35	0.087	0.087	NUM
faba-237	159	36	0.3111	0.3111	NUM
faba-237	159	37	0.293	0.293	NUM
faba-237	159	38	1	1	NUM
faba-237	159	39	source	source	NOUN
faba-237	159	40	:	:	PUNCT
faba-237	159	41	data	datum	NOUN
faba-237	159	42	processed	process	VERB
faba-237	159	43	,	,	PUNCT
faba-237	159	44	2024	2024	NUM
faba-237	159	45	table	table	NOUN
faba-237	159	46	2	2	NUM
faba-237	159	47	.	.	PUNCT
faba-237	159	48	variance	variance	NOUN
faba-237	159	49	inflation	inflation	NOUN
faba-237	159	50	factor	factor	NOUN
faba-237	159	51	(	(	PUNCT
faba-237	159	52	vif	vif	NOUN
faba-237	159	53	)	)	PUNCT
faba-237	159	54	results	result	VERB
faba-237	159	55	variable	variable	ADJ
faba-237	159	56	vif	vif	NOUN
faba-237	159	57	1	1	NUM
faba-237	159	58	/	/	SYM
faba-237	159	59	vif	vif	NOUN
faba-237	159	60	social	social	ADJ
faba-237	159	61	influence	influence	NOUN
faba-237	159	62	2.18	2.18	NUM
faba-237	159	63	0.458626	0.458626	NUM
faba-237	159	64	expected	expect	VERB
faba-237	159	65	performance	performance	NOUN
faba-237	159	66	1.96	1.96	NUM
faba-237	159	67	0.510071	0.510071	NUM
faba-237	159	68	expected	expect	VERB
faba-237	159	69	effort	effort	NOUN
faba-237	159	70	1.32	1.32	NUM
faba-237	159	71	0.760272	0.760272	NUM
faba-237	159	72	facilitating	facilitating	NOUN
faba-237	159	73	conditions	condition	NOUN
faba-237	159	74	1.13	1.13	NUM
faba-237	159	75	0.884962	0.884962	NUM
faba-237	159	76	source	source	NOUN
faba-237	159	77	:	:	PUNCT
faba-237	159	78	data	datum	NOUN
faba-237	159	79	processed	process	VERB
faba-237	159	80	,	,	PUNCT
faba-237	159	81	2024	2024	NUM
faba-237	160	1	the	the	DET
faba-237	160	2	results	result	NOUN
faba-237	160	3	presented	present	VERB
faba-237	160	4	in	in	ADP
faba-237	160	5	table	table	NOUN
faba-237	160	6	3	3	NUM
faba-237	160	7	show	show	VERB
faba-237	160	8	that	that	SCONJ
faba-237	160	9	all	all	DET
faba-237	160	10	the	the	DET
faba-237	160	11	correlation	correlation	NOUN
faba-237	160	12	coefficients	coefficient	NOUN
faba-237	160	13	were	be	AUX
faba-237	160	14	less	less	ADJ
faba-237	160	15	than	than	ADP
faba-237	160	16	0.70	0.70	NUM
faba-237	160	17	suggesting	suggest	VERB
faba-237	160	18	that	that	SCONJ
faba-237	160	19	the	the	DET
faba-237	160	20	data	datum	NOUN
faba-237	160	21	was	be	AUX
faba-237	160	22	free	free	ADJ
faba-237	160	23	of	of	ADP
faba-237	160	24	multicollinearity	multicollinearity	NOUN
faba-237	160	25	problems	problem	NOUN
faba-237	160	26	.	.	PUNCT
faba-237	161	1	this	this	PRON
faba-237	161	2	was	be	AUX
faba-237	161	3	confirmed	confirm	VERB
faba-237	161	4	in	in	ADP
faba-237	161	5	table	table	NOUN
faba-237	161	6	4	4	NUM
faba-237	161	7	as	as	SCONJ
faba-237	161	8	vif	vif	NOUN
faba-237	161	9	values	value	NOUN
faba-237	161	10	for	for	ADP
faba-237	161	11	all	all	DET
faba-237	161	12	variables	variable	NOUN
faba-237	161	13	were	be	AUX
faba-237	161	14	less	less	ADJ
faba-237	161	15	than	than	ADP
faba-237	161	16	3	3	NUM
faba-237	161	17	.	.	PUNCT
faba-237	161	18	reuben	reuben	PROPN
faba-237	161	19	b.	b.	PROPN
faba-237	161	20	chipeta	chipeta	PROPN
faba-237	161	21	,	,	PUNCT
faba-237	161	22	andrew	andrew	PROPN
faba-237	161	23	m.	m.	PROPN
faba-237	161	24	lipunga	lipunga	PROPN
faba-237	161	25	/	/	SYM
faba-237	161	26	finance	finance	NOUN
faba-237	161	27	,	,	PUNCT
faba-237	161	28	accounting	accounting	NOUN
faba-237	161	29	and	and	CCONJ
faba-237	161	30	business	business	NOUN
faba-237	161	31	analysis	analysis	NOUN
faba-237	161	32	,	,	PUNCT
faba-237	161	33	volume	volume	NOUN
faba-237	161	34	7	7	NUM
faba-237	161	35	,	,	PUNCT
faba-237	161	36	issue	issue	NOUN
faba-237	161	37	1	1	NUM
faba-237	161	38	,	,	PUNCT
faba-237	161	39	2025	2025	NUM
faba-237	161	40	7	7	NUM
faba-237	161	41	heteroscedasticity	heteroscedasticity	NOUN
faba-237	161	42	being	be	AUX
faba-237	161	43	a	a	DET
faba-237	161	44	cross	cross	ADJ
faba-237	161	45	-	-	ADJ
faba-237	161	46	sectional	sectional	ADJ
faba-237	161	47	study	study	NOUN
faba-237	161	48	data	datum	NOUN
faba-237	161	49	is	be	AUX
faba-237	161	50	usually	usually	ADV
faba-237	161	51	affected	affect	VERB
faba-237	161	52	by	by	ADP
faba-237	161	53	heteroscedasticity	heteroscedasticity	NOUN
faba-237	161	54	,	,	PUNCT
faba-237	161	55	accordingly	accordingly	ADV
faba-237	161	56	,	,	PUNCT
faba-237	161	57	the	the	DET
faba-237	161	58	test	test	NOUN
faba-237	161	59	was	be	AUX
faba-237	161	60	undertaken	undertake	VERB
faba-237	161	61	to	to	PART
faba-237	161	62	examine	examine	VERB
faba-237	161	63	whether	whether	SCONJ
faba-237	161	64	variances	variance	NOUN
faba-237	161	65	were	be	AUX
faba-237	161	66	constant	constant	ADJ
faba-237	161	67	or	or	CCONJ
faba-237	161	68	not	not	PART
faba-237	161	69	(	(	PUNCT
faba-237	161	70	gujarati	gujarati	PROPN
faba-237	161	71	,	,	PUNCT
faba-237	161	72	2004	2004	NUM
faba-237	161	73	)	)	PUNCT
faba-237	161	74	.	.	PUNCT
faba-237	162	1	the	the	DET
faba-237	162	2	result	result	NOUN
faba-237	162	3	of	of	ADP
faba-237	162	4	the	the	DET
faba-237	162	5	test	test	NOUN
faba-237	162	6	produced	produce	VERB
faba-237	162	7	a	a	DET
faba-237	162	8	chi	chi	ADJ
faba-237	162	9	-	-	PUNCT
faba-237	162	10	square	square	ADJ
faba-237	162	11	statistic	statistic	NOUN
faba-237	162	12	of	of	ADP
faba-237	162	13	chi2(1	chi2(1	NOUN
faba-237	162	14	)	)	PUNCT
faba-237	162	15	being	be	AUX
faba-237	162	16	equal	equal	ADJ
faba-237	162	17	to	to	ADP
faba-237	162	18	23.55	23.55	NUM
faba-237	162	19	with	with	ADP
faba-237	162	20	a	a	DET
faba-237	162	21	probability	probability	NOUN
faba-237	162	22	(	(	PUNCT
faba-237	162	23	prob	prob	NOUN
faba-237	162	24	>	>	X
faba-237	162	25	chi2	chi2	PROPN
faba-237	162	26	)	)	PUNCT
faba-237	162	27	of	of	ADP
faba-237	162	28	0.0000	0.0000	NUM
faba-237	162	29	.	.	PUNCT
faba-237	163	1	based	base	VERB
faba-237	163	2	on	on	ADP
faba-237	163	3	these	these	DET
faba-237	163	4	results	result	NOUN
faba-237	163	5	the	the	DET
faba-237	163	6	null	null	ADJ
faba-237	163	7	hypothesis	hypothesis	NOUN
faba-237	163	8	was	be	AUX
faba-237	163	9	rejected	reject	VERB
faba-237	163	10	as	as	SCONJ
faba-237	163	11	it	it	PRON
faba-237	163	12	was	be	AUX
faba-237	163	13	proved	prove	VERB
faba-237	163	14	that	that	SCONJ
faba-237	163	15	heteroscedasticity	heteroscedasticity	NOUN
faba-237	163	16	was	be	AUX
faba-237	163	17	present	present	ADJ
faba-237	163	18	.	.	PUNCT
faba-237	164	1	accordingly	accordingly	ADV
faba-237	164	2	,	,	PUNCT
faba-237	164	3	robust	robust	ADJ
faba-237	164	4	standard	standard	ADJ
faba-237	164	5	errors	error	NOUN
faba-237	164	6	were	be	AUX
faba-237	164	7	used	use	VERB
faba-237	164	8	when	when	SCONJ
faba-237	164	9	estimating	estimate	VERB
faba-237	164	10	the	the	DET
faba-237	164	11	model	model	NOUN
faba-237	164	12	as	as	SCONJ
faba-237	164	13	they	they	PRON
faba-237	164	14	tend	tend	VERB
faba-237	164	15	to	to	PART
faba-237	164	16	violate	violate	VERB
faba-237	164	17	statistical	statistical	ADJ
faba-237	164	18	model	model	NOUN
faba-237	164	19	assumptions	assumption	NOUN
faba-237	164	20	(	(	PUNCT
faba-237	164	21	mansournia	mansournia	PROPN
faba-237	164	22	et	et	PROPN
faba-237	164	23	al	al	PROPN
faba-237	164	24	.	.	PROPN
faba-237	164	25	,	,	PUNCT
faba-237	164	26	2021	2021	NUM
faba-237	164	27	)	)	PUNCT
faba-237	164	28	.	.	PUNCT
faba-237	165	1	model	model	NOUN
faba-237	165	2	specification	specification	NOUN
faba-237	165	3	before	before	ADP
faba-237	165	4	deciding	decide	VERB
faba-237	165	5	on	on	ADP
faba-237	165	6	the	the	DET
faba-237	165	7	variables	variable	NOUN
faba-237	165	8	to	to	PART
faba-237	165	9	be	be	AUX
faba-237	165	10	included	include	VERB
faba-237	165	11	in	in	ADP
faba-237	165	12	the	the	DET
faba-237	165	13	model	model	NOUN
faba-237	165	14	,	,	PUNCT
faba-237	165	15	a	a	DET
faba-237	165	16	model	model	NOUN
faba-237	165	17	specification	specification	NOUN
faba-237	165	18	test	test	NOUN
faba-237	165	19	was	be	AUX
faba-237	165	20	undertaken	undertake	VERB
faba-237	165	21	.	.	PUNCT
faba-237	166	1	basically	basically	ADV
faba-237	166	2	,	,	PUNCT
faba-237	166	3	independent	independent	ADJ
faba-237	166	4	variables	variable	NOUN
faba-237	166	5	have	have	VERB
faba-237	166	6	to	to	PART
faba-237	166	7	be	be	AUX
faba-237	166	8	fit	fit	ADJ
faba-237	166	9	so	so	SCONJ
faba-237	166	10	that	that	SCONJ
faba-237	166	11	errors	error	NOUN
faba-237	166	12	or	or	CCONJ
faba-237	166	13	biases	bias	NOUN
faba-237	166	14	that	that	PRON
faba-237	166	15	may	may	AUX
faba-237	166	16	affect	affect	VERB
faba-237	166	17	the	the	DET
faba-237	166	18	model	model	NOUN
faba-237	166	19	and	and	CCONJ
faba-237	166	20	later	later	ADV
faba-237	166	21	the	the	DET
faba-237	166	22	results	result	NOUN
faba-237	166	23	are	be	AUX
faba-237	166	24	avoided	avoid	VERB
faba-237	166	25	.	.	PUNCT
faba-237	167	1	a	a	DET
faba-237	167	2	link	link	NOUN
faba-237	167	3	test	test	NOUN
faba-237	167	4	model	model	NOUN
faba-237	167	5	was	be	AUX
faba-237	167	6	used	use	VERB
faba-237	167	7	to	to	PART
faba-237	167	8	test	test	VERB
faba-237	167	9	the	the	DET
faba-237	167	10	model	model	NOUN
faba-237	167	11	specification	specification	NOUN
faba-237	167	12	.	.	PUNCT
faba-237	168	1	table	table	NOUN
faba-237	168	2	5	5	NUM
faba-237	168	3	presents	present	VERB
faba-237	168	4	the	the	DET
faba-237	168	5	results	result	NOUN
faba-237	168	6	.	.	PUNCT
faba-237	169	1	table	table	NOUN
faba-237	169	2	3	3	NUM
faba-237	169	3	.	.	PUNCT
faba-237	169	4	model	model	PROPN
faba-237	169	5	specification	specification	PROPN
faba-237	169	6	test	test	NOUN
faba-237	169	7	fintech	fintech	NOUN
faba-237	169	8	coefficient	coefficient	NOUN
faba-237	169	9	std	std	PROPN
faba-237	169	10	.	.	PUNCT
faba-237	170	1	err	err	PROPN
faba-237	170	2	.	.	PUNCT
faba-237	171	1	z	z	PROPN
faba-237	172	1	p	p	X
faba-237	172	2	>	>	X
faba-237	172	3	z	z	PROPN
faba-237	173	1	[	[	X
faba-237	173	2	95	95	NUM
faba-237	173	3	%	%	NOUN
faba-237	173	4	conf	conf	NOUN
faba-237	173	5	.	.	PUNCT
faba-237	174	1	interval	interval	NOUN
faba-237	174	2	]	]	PUNCT
faba-237	175	1	_	_	PRON
faba-237	175	2	hat	hat	NOUN
faba-237	175	3	1.015295	1.015295	NUM
faba-237	175	4	0.66119	0.66119	NUM
faba-237	175	5	1.54	1.54	NUM
faba-237	175	6	0.125	0.125	NUM
faba-237	175	7	-0.280614	-0.280614	NUM
faba-237	176	1	2.311203	2.311203	NUM
faba-237	176	2	_	_	DET
faba-237	176	3	hatsq	hatsq	NOUN
faba-237	176	4	-0.0547229	-0.0547229	VERB
faba-237	176	5	0.066392	0.066392	NUM
faba-237	176	6	-0.82	-0.82	NUM
faba-237	176	7	0.413	0.413	NUM
faba-237	176	8	-0.1848485	-0.1848485	NOUN
faba-237	176	9	0.0754028	0.0754028	NUM
faba-237	177	1	_	_	PRON
faba-237	177	2	cons	con	NOUN
faba-237	177	3	0.0365464	0.0365464	NUM
faba-237	177	4	0.557426	0.557426	NUM
faba-237	177	5	0.07	0.07	NUM
faba-237	177	6	0.948	0.948	NUM
faba-237	177	7	-1.055989	-1.055989	NOUN
faba-237	178	1	1.129081	1.129081	NUM
faba-237	178	2	source	source	NOUN
faba-237	178	3	:	:	PUNCT
faba-237	178	4	data	datum	NOUN
faba-237	178	5	processed	process	VERB
faba-237	178	6	,	,	PUNCT
faba-237	178	7	2024	2024	NUM
faba-237	178	8	based	base	VERB
faba-237	178	9	on	on	ADP
faba-237	178	10	the	the	DET
faba-237	178	11	results	result	NOUN
faba-237	178	12	,	,	PUNCT
faba-237	178	13	both	both	DET
faba-237	178	14	hat	hat	NOUN
faba-237	178	15	and	and	CCONJ
faba-237	178	16	hat	hat	NOUN
faba-237	178	17	squares	square	NOUN
faba-237	178	18	were	be	AUX
faba-237	178	19	insignificant	insignificant	ADJ
faba-237	178	20	.	.	PUNCT
faba-237	179	1	this	this	PRON
faba-237	179	2	shows	show	VERB
faba-237	179	3	that	that	SCONJ
faba-237	179	4	the	the	DET
faba-237	179	5	model	model	NOUN
faba-237	179	6	was	be	AUX
faba-237	179	7	fit	fit	ADJ
faba-237	179	8	for	for	ADP
faba-237	179	9	the	the	DET
faba-237	179	10	analysis	analysis	NOUN
faba-237	179	11	.	.	PUNCT
faba-237	180	1	this	this	PRON
faba-237	180	2	was	be	AUX
faba-237	180	3	also	also	ADV
faba-237	180	4	verified	verify	VERB
faba-237	180	5	with	with	ADP
faba-237	180	6	the	the	DET
faba-237	180	7	joint	joint	ADJ
faba-237	180	8	p	p	NOUN
faba-237	180	9	-	-	PUNCT
faba-237	180	10	value	value	NOUN
faba-237	180	11	of	of	ADP
faba-237	180	12	the	the	DET
faba-237	180	13	model	model	NOUN
faba-237	180	14	which	which	PRON
faba-237	180	15	at	at	ADP
faba-237	180	16	less	less	ADJ
faba-237	180	17	than	than	ADP
faba-237	180	18	0.01	0.01	NUM
faba-237	180	19	(	(	PUNCT
faba-237	180	20	see	see	VERB
faba-237	180	21	table	table	NOUN
faba-237	180	22	6	6	NUM
faba-237	180	23	)	)	PUNCT
faba-237	180	24	indicating	indicate	VERB
faba-237	180	25	the	the	DET
faba-237	180	26	fitness	fitness	NOUN
faba-237	180	27	of	of	ADP
faba-237	180	28	the	the	DET
faba-237	180	29	model	model	NOUN
faba-237	180	30	for	for	ADP
faba-237	180	31	the	the	DET
faba-237	180	32	analysis	analysis	NOUN
faba-237	180	33	.	.	PUNCT
faba-237	181	1	inferential	inferential	ADJ
faba-237	181	2	statistics	statistic	NOUN
faba-237	181	3	the	the	DET
faba-237	181	4	inferential	inferential	ADJ
faba-237	181	5	statistics	statistic	NOUN
faba-237	181	6	were	be	AUX
faba-237	181	7	run	run	VERB
faba-237	181	8	using	use	VERB
faba-237	181	9	the	the	DET
faba-237	181	10	probit	probit	NOUN
faba-237	181	11	regression	regression	NOUN
faba-237	181	12	model	model	NOUN
faba-237	181	13	and	and	CCONJ
faba-237	181	14	the	the	DET
faba-237	181	15	results	result	NOUN
faba-237	181	16	,	,	PUNCT
faba-237	181	17	which	which	PRON
faba-237	181	18	used	use	VERB
faba-237	181	19	robust	robust	ADJ
faba-237	181	20	standard	standard	ADJ
faba-237	181	21	errors	error	NOUN
faba-237	181	22	are	be	AUX
faba-237	181	23	presented	present	VERB
faba-237	181	24	in	in	ADP
faba-237	181	25	table	table	NOUN
faba-237	181	26	6	6	NUM
faba-237	181	27	.	.	PUNCT
faba-237	182	1	it	it	PRON
faba-237	182	2	is	be	AUX
faba-237	182	3	worth	worth	ADJ
faba-237	182	4	noting	note	VERB
faba-237	182	5	that	that	SCONJ
faba-237	182	6	the	the	DET
faba-237	182	7	joint	joint	ADJ
faba-237	182	8	p	p	NOUN
faba-237	182	9	-	-	PUNCT
faba-237	182	10	model	model	NOUN
faba-237	182	11	was	be	AUX
faba-237	182	12	found	find	VERB
faba-237	182	13	to	to	PART
faba-237	182	14	be	be	AUX
faba-237	182	15	significant	significant	ADJ
faba-237	182	16	(	(	PUNCT
faba-237	182	17	p	p	NOUN
faba-237	182	18	-	-	PUNCT
faba-237	182	19	value	value	NOUN
faba-237	182	20	=	=	NOUN
faba-237	182	21	0.008	0.008	NUM
faba-237	182	22	)	)	PUNCT
faba-237	182	23	.	.	PUNCT
faba-237	183	1	this	this	PRON
faba-237	183	2	shows	show	VERB
faba-237	183	3	that	that	SCONJ
faba-237	183	4	the	the	DET
faba-237	183	5	model	model	NOUN
faba-237	183	6	was	be	AUX
faba-237	183	7	fit	fit	ADJ
faba-237	183	8	,	,	PUNCT
faba-237	183	9	accordingly	accordingly	ADV
faba-237	183	10	,	,	PUNCT
faba-237	183	11	its	its	PRON
faba-237	183	12	results	result	NOUN
faba-237	183	13	can	can	AUX
faba-237	183	14	be	be	AUX
faba-237	183	15	relied	rely	VERB
faba-237	183	16	on	on	ADP
faba-237	183	17	with	with	ADP
faba-237	183	18	greater	great	ADJ
faba-237	183	19	confidence	confidence	NOUN
faba-237	183	20	.	.	PUNCT
faba-237	184	1	table	table	NOUN
faba-237	184	2	4	4	NUM
faba-237	184	3	.	.	PUNCT
faba-237	185	1	summary	summary	NOUN
faba-237	185	2	of	of	ADP
faba-237	185	3	inferential	inferential	ADJ
faba-237	185	4	statistics	statistic	NOUN
faba-237	185	5	results	result	VERB
faba-237	185	6	variables	variable	VERB
faba-237	185	7	coefficients	coefficient	NOUN
faba-237	185	8	p	p	NOUN
faba-237	185	9	value	value	NOUN
faba-237	185	10	robust	robust	ADJ
faba-237	185	11	std	std	NOUN
faba-237	185	12	.	.	PUNCT
faba-237	186	1	errors	error	NOUN
faba-237	186	2	marginal	marginal	ADJ
faba-237	186	3	effects	effect	NOUN
faba-237	186	4	[	[	X
faba-237	186	5	95	95	NUM
faba-237	186	6	%	%	NOUN
faba-237	186	7	confidence	confidence	NOUN
faba-237	186	8	interval	interval	NOUN
faba-237	186	9	]	]	PUNCT
faba-237	186	10	expected	expect	VERB
faba-237	186	11	effort	effort	NOUN
faba-237	186	12	1.486	1.486	NUM
faba-237	186	13	0.009	0.009	NUM
faba-237	186	14	0.571	0.571	NUM
faba-237	186	15	0.0918	0.0918	NUM
faba-237	186	16	0.367633	0.367633	NUM
faba-237	186	17	2.603631	2.603631	NUM
faba-237	186	18	social	social	ADJ
faba-237	186	19	influence	influence	NOUN
faba-237	186	20	3.341	3.341	NUM
faba-237	186	21	0.032	0.032	NUM
faba-237	186	22	1.567	1.567	NUM
faba-237	186	23	0.206	0.206	NUM
faba-237	186	24	0.2829072	0.2829072	NUM
faba-237	186	25	6.401008	6.401008	NUM
faba-237	186	26	expected	expect	VERB
faba-237	186	27	performance	performance	NOUN
faba-237	186	28	1.119	1.119	NUM
faba-237	186	29	0.159	0.159	NUM
faba-237	186	30	0.797	0.797	NUM
faba-237	186	31	0.069	0.069	NUM
faba-237	186	32	-0.4389227	-0.4389227	NOUN
faba-237	186	33	2.676093	2.676093	NUM
faba-237	186	34	facilitating	facilitating	NOUN
faba-237	186	35	conditions	condition	NOUN
faba-237	186	36	4.386	4.386	NUM
faba-237	186	37	0.005	0.005	NUM
faba-237	186	38	1.6	1.6	NUM
faba-237	186	39	0.271	0.271	NUM
faba-237	186	40	1.289449	1.289449	NUM
faba-237	186	41	7.481799	7.481799	NUM
faba-237	186	42	constant	constant	ADJ
faba-237	186	43	-33.211	-33.211	NUM
faba-237	186	44	0.001	0.001	NUM
faba-237	186	45	10.261	10.261	NUM
faba-237	186	46	n	n	CCONJ
faba-237	186	47	/	/	SYM
faba-237	186	48	a	a	DET
faba-237	186	49	-53.15967	-53.15967	PUNCT
faba-237	186	50	-13.26207	-13.26207	PUNCT
faba-237	186	51	joint	joint	ADJ
faba-237	186	52	p	p	NOUN
faba-237	186	53	-	-	PUNCT
faba-237	186	54	value	value	NOUN
faba-237	186	55	0.008	0.008	NUM
faba-237	186	56	sample	sample	NOUN
faba-237	186	57	size	size	NOUN
faba-237	186	58	32	32	NUM
faba-237	186	59	source	source	NOUN
faba-237	186	60	:	:	PUNCT
faba-237	186	61	data	datum	NOUN
faba-237	186	62	processed	process	VERB
faba-237	186	63	,	,	PUNCT
faba-237	186	64	2024	2024	NUM
faba-237	186	65	the	the	DET
faba-237	186	66	results	result	NOUN
faba-237	186	67	for	for	ADP
faba-237	186	68	the	the	DET
faba-237	186	69	regression	regression	NOUN
faba-237	186	70	model	model	NOUN
faba-237	186	71	show	show	VERB
faba-237	186	72	that	that	SCONJ
faba-237	186	73	expected	expect	VERB
faba-237	186	74	effort	effort	NOUN
faba-237	186	75	significantly	significantly	ADV
faba-237	186	76	influences	influence	VERB
faba-237	186	77	fintech	fintech	NOUN
faba-237	186	78	adoption	adoption	NOUN
faba-237	186	79	in	in	ADP
faba-237	186	80	saccos	saccos	PROPN
faba-237	186	81	in	in	ADP
faba-237	186	82	malawi	malawi	PROPN
faba-237	186	83	.	.	PUNCT
faba-237	187	1	with	with	ADP
faba-237	187	2	a	a	DET
faba-237	187	3	p	p	NOUN
faba-237	187	4	-	-	PUNCT
faba-237	187	5	value	value	NOUN
faba-237	187	6	of	of	ADP
faba-237	187	7	0.009	0.009	NUM
faba-237	187	8	,	,	PUNCT
faba-237	187	9	any	any	DET
faba-237	187	10	positive	positive	ADJ
faba-237	187	11	percentage	percentage	NOUN
faba-237	187	12	change	change	NOUN
faba-237	187	13	in	in	ADP
faba-237	187	14	expected	expect	VERB
faba-237	187	15	effort	effort	NOUN
faba-237	187	16	significantly	significantly	ADV
faba-237	187	17	increases	increase	VERB
faba-237	187	18	the	the	DET
faba-237	187	19	probability	probability	NOUN
faba-237	187	20	of	of	ADP
faba-237	187	21	adoption	adoption	NOUN
faba-237	187	22	by	by	ADP
faba-237	187	23	9.18	9.18	NUM
faba-237	187	24	%	%	NOUN
faba-237	187	25	.	.	PUNCT
faba-237	188	1	the	the	DET
faba-237	188	2	results	result	NOUN
faba-237	188	3	are	be	AUX
faba-237	188	4	consistent	consistent	ADJ
faba-237	188	5	with	with	ADP
faba-237	188	6	kurniasari	kurniasari	PROPN
faba-237	188	7	et	et	PROPN
faba-237	188	8	al	al	PROPN
faba-237	188	9	.	.	PROPN
faba-237	189	1	(	(	PUNCT
faba-237	189	2	2023	2023	NUM
faba-237	189	3	)	)	PUNCT
faba-237	189	4	,	,	PUNCT
faba-237	189	5	makongoro	makongoro	PROPN
faba-237	189	6	(	(	PUNCT
faba-237	189	7	2014	2014	NUM
faba-237	189	8	)	)	PUNCT
faba-237	189	9	,	,	PUNCT
faba-237	189	10	najib	najib	PROPN
faba-237	189	11	et	et	PROPN
faba-237	189	12	al	al	PROPN
faba-237	189	13	.	.	PROPN
faba-237	189	14	(	(	PUNCT
faba-237	189	15	2021	2021	NUM
faba-237	189	16	)	)	PUNCT
faba-237	189	17	,	,	PUNCT
faba-237	189	18	rosnidah	rosnidah	PROPN
faba-237	189	19	et	et	PROPN
faba-237	189	20	al	al	PROPN
faba-237	189	21	.	.	PROPN
faba-237	190	1	(	(	PUNCT
faba-237	190	2	2019	2019	NUM
faba-237	190	3	)	)	PUNCT
faba-237	190	4	,	,	PUNCT
faba-237	190	5	and	and	CCONJ
faba-237	190	6	tun	tun	NOUN
faba-237	190	7	-	-	NOUN
faba-237	190	8	pin	pin	NOUN
faba-237	190	9	et	et	PROPN
faba-237	190	10	al	al	PROPN
faba-237	190	11	.	.	PROPN
faba-237	191	1	(	(	PUNCT
faba-237	191	2	2019	2019	NUM
faba-237	191	3	)	)	PUNCT
faba-237	191	4	.	.	PUNCT
faba-237	192	1	as	as	SCONJ
faba-237	192	2	regards	regard	VERB
faba-237	192	3	social	social	ADJ
faba-237	192	4	influence	influence	NOUN
faba-237	192	5	,	,	PUNCT
faba-237	192	6	the	the	DET
faba-237	192	7	results	result	NOUN
faba-237	192	8	of	of	ADP
faba-237	192	9	the	the	DET
faba-237	192	10	probit	probit	NOUN
faba-237	192	11	regression	regression	NOUN
faba-237	192	12	model	model	NOUN
faba-237	192	13	also	also	ADV
faba-237	192	14	show	show	VERB
faba-237	192	15	that	that	SCONJ
faba-237	192	16	it	it	PRON
faba-237	192	17	significantly	significantly	ADV
faba-237	192	18	influences	influence	VERB
faba-237	192	19	adoption	adoption	NOUN
faba-237	192	20	.	.	PUNCT
faba-237	193	1	with	with	ADP
faba-237	193	2	a	a	DET
faba-237	193	3	p	p	NOUN
faba-237	193	4	-	-	PUNCT
faba-237	193	5	value	value	NOUN
faba-237	193	6	of	of	ADP
faba-237	193	7	0.032	0.032	NUM
faba-237	193	8	,	,	PUNCT
faba-237	193	9	any	any	DET
faba-237	193	10	positive	positive	ADJ
faba-237	193	11	percentage	percentage	NOUN
faba-237	193	12	change	change	NOUN
faba-237	193	13	in	in	ADP
faba-237	193	14	social	social	ADJ
faba-237	193	15	influence	influence	NOUN
faba-237	193	16	significantly	significantly	ADV
faba-237	193	17	increases	increase	VERB
faba-237	193	18	the	the	DET
faba-237	193	19	probability	probability	NOUN
faba-237	193	20	of	of	ADP
faba-237	193	21	adoption	adoption	NOUN
faba-237	193	22	by	by	ADP
faba-237	193	23	21	21	NUM
faba-237	193	24	%	%	NOUN
faba-237	193	25	.	.	PUNCT
faba-237	194	1	johnson	johnson	PROPN
faba-237	194	2	et	et	PROPN
faba-237	194	3	al	al	PROPN
faba-237	194	4	.	.	PROPN
faba-237	195	1	(	(	PUNCT
faba-237	195	2	2017	2017	NUM
faba-237	195	3	)	)	PUNCT
faba-237	195	4	explained	explain	VERB
faba-237	195	5	that	that	SCONJ
faba-237	195	6	organizations	organization	NOUN
faba-237	195	7	,	,	PUNCT
faba-237	195	8	like	like	ADP
faba-237	195	9	living	live	VERB
faba-237	195	10	organisms	organism	NOUN
faba-237	195	11	,	,	PUNCT
faba-237	195	12	continue	continue	VERB
faba-237	195	13	to	to	PART
faba-237	195	14	adapt	adapt	VERB
faba-237	195	15	to	to	ADP
faba-237	195	16	their	their	PRON
faba-237	195	17	environment	environment	NOUN
faba-237	195	18	if	if	SCONJ
faba-237	195	19	they	they	PRON
faba-237	195	20	are	be	AUX
faba-237	195	21	to	to	PART
faba-237	195	22	survive	survive	VERB
faba-237	195	23	.	.	PUNCT
faba-237	196	1	moreover	moreover	ADV
faba-237	196	2	,	,	PUNCT
faba-237	196	3	in	in	ADP
faba-237	196	4	the	the	DET
faba-237	196	5	current	current	ADJ
faba-237	196	6	competitive	competitive	ADJ
faba-237	196	7	and	and	CCONJ
faba-237	196	8	open	open	ADJ
faba-237	196	9	environment	environment	NOUN
faba-237	196	10	,	,	PUNCT
faba-237	196	11	organizations	organization	NOUN
faba-237	196	12	need	need	VERB
faba-237	196	13	to	to	PART
faba-237	196	14	actively	actively	ADV
faba-237	196	15	interact	interact	VERB
faba-237	196	16	with	with	ADP
faba-237	196	17	the	the	DET
faba-237	196	18	environment	environment	NOUN
faba-237	196	19	and	and	CCONJ
faba-237	196	20	the	the	DET
faba-237	196	21	organizations	organization	NOUN
faba-237	196	22	(	(	PUNCT
faba-237	196	23	daft	daft	NOUN
faba-237	196	24	2016	2016	NUM
faba-237	196	25	)	)	PUNCT
faba-237	196	26	and	and	CCONJ
faba-237	196	27	try	try	VERB
faba-237	196	28	at	at	ADP
faba-237	196	29	a	a	DET
faba-237	196	30	minimum	minimum	NOUN
faba-237	196	31	to	to	PART
faba-237	196	32	remain	remain	VERB
faba-237	196	33	at	at	ADP
faba-237	196	34	par	par	NOUN
faba-237	196	35	with	with	ADP
faba-237	196	36	fellow	fellow	ADJ
faba-237	196	37	organizations	organization	NOUN
faba-237	196	38	.	.	PUNCT
faba-237	197	1	in	in	ADP
faba-237	197	2	this	this	DET
faba-237	197	3	study	study	NOUN
faba-237	197	4	,	,	PUNCT
faba-237	197	5	some	some	DET
faba-237	197	6	saccos	sacco	NOUN
faba-237	197	7	took	take	VERB
faba-237	197	8	a	a	DET
faba-237	197	9	leading	leading	ADJ
faba-237	197	10	role	role	NOUN
faba-237	197	11	in	in	ADP
faba-237	197	12	the	the	DET
faba-237	197	13	adoption	adoption	NOUN
faba-237	197	14	and	and	CCONJ
faba-237	197	15	usage	usage	NOUN
faba-237	197	16	of	of	ADP
faba-237	197	17	fintech	fintech	NOUN
faba-237	197	18	,	,	PUNCT
faba-237	197	19	others	other	NOUN
faba-237	197	20	adopted	adopt	VERB
faba-237	197	21	the	the	DET
faba-237	197	22	technology	technology	NOUN
faba-237	197	23	as	as	SCONJ
faba-237	197	24	they	they	PRON
faba-237	197	25	felt	feel	VERB
faba-237	197	26	they	they	PRON
faba-237	197	27	need	need	AUX
faba-237	197	28	not	not	PART
faba-237	197	29	be	be	AUX
faba-237	197	30	left	leave	VERB
faba-237	197	31	behind	behind	ADV
faba-237	197	32	.	.	PUNCT
faba-237	198	1	reuben	reuben	PROPN
faba-237	198	2	b.	b.	PROPN
faba-237	198	3	chipeta	chipeta	PROPN
faba-237	198	4	,	,	PUNCT
faba-237	198	5	andrew	andrew	PROPN
faba-237	198	6	m.	m.	PROPN
faba-237	198	7	lipunga	lipunga	PROPN
faba-237	198	8	/	/	SYM
faba-237	198	9	finance	finance	NOUN
faba-237	198	10	,	,	PUNCT
faba-237	198	11	accounting	accounting	NOUN
faba-237	198	12	and	and	CCONJ
faba-237	198	13	business	business	NOUN
faba-237	198	14	analysis	analysis	NOUN
faba-237	198	15	,	,	PUNCT
faba-237	198	16	volume	volume	NOUN
faba-237	198	17	7	7	NUM
faba-237	198	18	,	,	PUNCT
faba-237	198	19	issue	issue	NOUN
faba-237	198	20	1	1	NUM
faba-237	198	21	,	,	PUNCT
faba-237	198	22	2025	2025	NUM
faba-237	198	23	8	8	NUM
faba-237	198	24	on	on	ADP
faba-237	198	25	the	the	DET
faba-237	198	26	other	other	ADJ
faba-237	198	27	hand	hand	NOUN
faba-237	198	28	,	,	PUNCT
faba-237	198	29	the	the	DET
faba-237	198	30	results	result	NOUN
faba-237	198	31	of	of	ADP
faba-237	198	32	the	the	DET
faba-237	198	33	expected	expect	VERB
faba-237	198	34	performance	performance	NOUN
faba-237	198	35	show	show	VERB
faba-237	198	36	that	that	SCONJ
faba-237	198	37	it	it	PRON
faba-237	198	38	is	be	AUX
faba-237	198	39	insignificant	insignificant	ADJ
faba-237	198	40	as	as	SCONJ
faba-237	198	41	its	its	PRON
faba-237	198	42	p	p	NOUN
faba-237	198	43	-	-	PUNCT
faba-237	198	44	value	value	NOUN
faba-237	198	45	was	be	AUX
faba-237	198	46	0.159	0.159	NUM
faba-237	198	47	thus	thus	ADV
faba-237	198	48	greater	great	ADJ
faba-237	198	49	than	than	ADP
faba-237	198	50	the	the	DET
faba-237	198	51	maximum	maximum	ADJ
faba-237	198	52	threshold	threshold	NOUN
faba-237	198	53	of	of	ADP
faba-237	198	54	0.05	0.05	NUM
faba-237	198	55	.	.	PUNCT
faba-237	199	1	the	the	DET
faba-237	199	2	results	result	NOUN
faba-237	199	3	,	,	PUNCT
faba-237	199	4	to	to	ADP
faba-237	199	5	some	some	DET
faba-237	199	6	extent	extent	NOUN
faba-237	199	7	,	,	PUNCT
faba-237	199	8	were	be	AUX
faba-237	199	9	surprising	surprising	ADJ
faba-237	199	10	because	because	SCONJ
faba-237	199	11	the	the	DET
faba-237	199	12	efficiency	efficiency	NOUN
faba-237	199	13	brought	bring	VERB
faba-237	199	14	by	by	ADP
faba-237	199	15	the	the	DET
faba-237	199	16	usage	usage	NOUN
faba-237	199	17	of	of	ADP
faba-237	199	18	technology	technology	NOUN
faba-237	199	19	is	be	AUX
faba-237	199	20	expected	expect	VERB
faba-237	199	21	to	to	PART
faba-237	199	22	benefit	benefit	VERB
faba-237	199	23	the	the	DET
faba-237	199	24	organization	organization	NOUN
faba-237	199	25	.	.	PUNCT
faba-237	200	1	this	this	PRON
faba-237	200	2	is	be	AUX
faba-237	200	3	the	the	DET
faba-237	200	4	case	case	NOUN
faba-237	200	5	because	because	SCONJ
faba-237	200	6	operational	operational	ADJ
faba-237	200	7	costs	cost	NOUN
faba-237	200	8	tend	tend	VERB
faba-237	200	9	to	to	PART
faba-237	200	10	be	be	AUX
faba-237	200	11	minimized	minimize	VERB
faba-237	200	12	as	as	ADP
faba-237	200	13	less	less	ADJ
faba-237	200	14	effort	effort	NOUN
faba-237	200	15	or	or	CCONJ
faba-237	200	16	time	time	NOUN
faba-237	200	17	is	be	AUX
faba-237	200	18	spent	spend	VERB
faba-237	200	19	working	work	VERB
faba-237	200	20	on	on	ADP
faba-237	200	21	one	one	NUM
faba-237	200	22	activity	activity	NOUN
faba-237	200	23	.	.	PUNCT
faba-237	201	1	mckillop	mckillop	PROPN
faba-237	201	2	et	et	PROPN
faba-237	201	3	al	al	PROPN
faba-237	201	4	.	.	PROPN
faba-237	201	5	(	(	PUNCT
faba-237	201	6	2020	2020	NUM
faba-237	201	7	)	)	PUNCT
faba-237	201	8	observed	observe	VERB
faba-237	201	9	that	that	SCONJ
faba-237	201	10	fintech	fintech	NOUN
faba-237	201	11	has	have	AUX
faba-237	201	12	managed	manage	VERB
faba-237	201	13	to	to	PART
faba-237	201	14	change	change	VERB
faba-237	201	15	business	business	NOUN
faba-237	201	16	fortunes	fortune	NOUN
faba-237	201	17	from	from	ADP
faba-237	201	18	loss	loss	NOUN
faba-237	201	19	-	-	PUNCT
faba-237	201	20	making	making	NOUN
faba-237	201	21	to	to	PART
faba-237	201	22	profit	profit	NOUN
faba-237	201	23	-	-	PUNCT
faba-237	201	24	making	make	VERB
faba-237	201	25	businesses	business	NOUN
faba-237	201	26	.	.	PUNCT
faba-237	202	1	they	they	PRON
faba-237	202	2	noted	note	VERB
faba-237	202	3	that	that	SCONJ
faba-237	202	4	the	the	DET
faba-237	202	5	positive	positive	ADJ
faba-237	202	6	impact	impact	NOUN
faba-237	202	7	of	of	ADP
faba-237	202	8	fintech	fintech	NOUN
faba-237	202	9	on	on	ADP
faba-237	202	10	the	the	DET
faba-237	202	11	performance	performance	NOUN
faba-237	202	12	of	of	ADP
faba-237	202	13	business	business	NOUN
faba-237	202	14	can	can	AUX
faba-237	202	15	never	never	ADV
faba-237	202	16	be	be	AUX
faba-237	202	17	refuted	refute	VERB
faba-237	202	18	.	.	PUNCT
faba-237	203	1	however	however	ADV
faba-237	203	2	,	,	PUNCT
faba-237	203	3	this	this	DET
faba-237	203	4	study	study	NOUN
faba-237	203	5	's	's	PART
faba-237	203	6	results	result	NOUN
faba-237	203	7	suggest	suggest	VERB
faba-237	203	8	that	that	SCONJ
faba-237	203	9	the	the	DET
faba-237	203	10	benefits	benefit	NOUN
faba-237	203	11	may	may	AUX
faba-237	203	12	not	not	PART
faba-237	203	13	be	be	AUX
faba-237	203	14	realizable	realizable	ADJ
faba-237	203	15	in	in	ADP
faba-237	203	16	malawi	malawi	PROPN
faba-237	203	17	.	.	PUNCT
faba-237	204	1	this	this	PRON
faba-237	204	2	may	may	AUX
faba-237	204	3	be	be	AUX
faba-237	204	4	due	due	ADJ
faba-237	204	5	to	to	PART
faba-237	204	6	low	low	VERB
faba-237	204	7	it	it	PRON
faba-237	204	8	literacy	literacy	NOUN
faba-237	204	9	in	in	ADP
faba-237	204	10	the	the	DET
faba-237	204	11	country	country	NOUN
faba-237	204	12	as	as	SCONJ
faba-237	204	13	such	such	DET
faba-237	204	14	the	the	DET
faba-237	204	15	users	user	NOUN
faba-237	204	16	of	of	ADP
faba-237	204	17	the	the	DET
faba-237	204	18	technology	technology	NOUN
faba-237	204	19	may	may	AUX
faba-237	204	20	not	not	PART
faba-237	204	21	be	be	AUX
faba-237	204	22	in	in	ADP
faba-237	204	23	a	a	DET
faba-237	204	24	position	position	NOUN
faba-237	204	25	to	to	PART
faba-237	204	26	use	use	VERB
faba-237	204	27	it	it	PRON
faba-237	204	28	efficiently	efficiently	ADV
faba-237	204	29	.	.	PUNCT
faba-237	205	1	lastly	lastly	ADV
faba-237	205	2	,	,	PUNCT
faba-237	205	3	on	on	ADP
faba-237	205	4	the	the	DET
faba-237	205	5	facilitating	facilitating	NOUN
faba-237	205	6	conditions	condition	NOUN
faba-237	205	7	,	,	PUNCT
faba-237	205	8	probit	probit	NOUN
faba-237	205	9	regression	regression	NOUN
faba-237	205	10	results	result	NOUN
faba-237	205	11	showed	show	VERB
faba-237	205	12	that	that	SCONJ
faba-237	205	13	they	they	PRON
faba-237	205	14	significantly	significantly	ADV
faba-237	205	15	influence	influence	VERB
faba-237	205	16	the	the	DET
faba-237	205	17	adoption	adoption	NOUN
faba-237	205	18	of	of	ADP
faba-237	205	19	fintech	fintech	NOUN
faba-237	205	20	in	in	ADP
faba-237	205	21	saccos	saccos	PROPN
faba-237	205	22	.	.	PUNCT
faba-237	206	1	with	with	ADP
faba-237	206	2	a	a	DET
faba-237	206	3	p	p	NOUN
faba-237	206	4	-	-	PUNCT
faba-237	206	5	value	value	NOUN
faba-237	206	6	of	of	ADP
faba-237	206	7	0.005	0.005	NUM
faba-237	206	8	,	,	PUNCT
faba-237	206	9	any	any	DET
faba-237	206	10	positive	positive	ADJ
faba-237	206	11	percentage	percentage	NOUN
faba-237	206	12	change	change	NOUN
faba-237	206	13	in	in	ADP
faba-237	206	14	facilitating	facilitate	VERB
faba-237	206	15	conditions	condition	NOUN
faba-237	206	16	increases	increase	VERB
faba-237	206	17	the	the	DET
faba-237	206	18	probability	probability	NOUN
faba-237	206	19	of	of	ADP
faba-237	206	20	adoption	adoption	NOUN
faba-237	206	21	by	by	ADP
faba-237	206	22	27	27	NUM
faba-237	206	23	%	%	NOUN
faba-237	206	24	.	.	PUNCT
faba-237	207	1	the	the	DET
faba-237	207	2	results	result	NOUN
faba-237	207	3	are	be	AUX
faba-237	207	4	in	in	ADP
faba-237	207	5	agreement	agreement	NOUN
faba-237	207	6	with	with	ADP
faba-237	207	7	angelina	angelina	PROPN
faba-237	207	8	et	et	PROPN
faba-237	207	9	al	al	PROPN
faba-237	207	10	.	.	PROPN
faba-237	208	1	(	(	PUNCT
faba-237	208	2	2021	2021	NUM
faba-237	208	3	)	)	PUNCT
faba-237	208	4	,	,	PUNCT
faba-237	208	5	hassan	hassan	PROPN
faba-237	208	6	et	et	PROPN
faba-237	208	7	al	al	PROPN
faba-237	208	8	.	.	PROPN
faba-237	208	9	(	(	PUNCT
faba-237	208	10	2022	2022	NUM
faba-237	208	11	)	)	PUNCT
faba-237	208	12	,	,	PUNCT
faba-237	208	13	hu	hu	PROPN
faba-237	208	14	et	et	PROPN
faba-237	208	15	al	al	PROPN
faba-237	208	16	.	.	PROPN
faba-237	209	1	(	(	PUNCT
faba-237	209	2	2019	2019	NUM
faba-237	209	3	)	)	PUNCT
faba-237	209	4	,	,	PUNCT
faba-237	209	5	najib	najib	PROPN
faba-237	209	6	et	et	PROPN
faba-237	209	7	al	al	PROPN
faba-237	209	8	.	.	PROPN
faba-237	209	9	(	(	PUNCT
faba-237	209	10	2021	2021	NUM
faba-237	209	11	)	)	PUNCT
faba-237	209	12	,	,	PUNCT
faba-237	209	13	rosnidah	rosnidah	PROPN
faba-237	209	14	et	et	PROPN
faba-237	209	15	al	al	PROPN
faba-237	209	16	.	.	PROPN
faba-237	210	1	(	(	PUNCT
faba-237	210	2	2019	2019	NUM
faba-237	210	3	)	)	PUNCT
faba-237	210	4	,	,	PUNCT
faba-237	210	5	and	and	CCONJ
faba-237	210	6	tun	tun	NOUN
faba-237	210	7	-	-	NOUN
faba-237	210	8	pin	pin	NOUN
faba-237	210	9	et	et	PROPN
faba-237	210	10	al	al	PROPN
faba-237	210	11	.	.	PROPN
faba-237	211	1	(	(	PUNCT
faba-237	211	2	2019	2019	NUM
faba-237	211	3	)	)	PUNCT
faba-237	211	4	.	.	PUNCT
faba-237	212	1	besides	besides	SCONJ
faba-237	212	2	,	,	PUNCT
faba-237	212	3	it	it	PRON
faba-237	212	4	is	be	AUX
faba-237	212	5	worth	worth	ADJ
faba-237	212	6	noting	note	VERB
faba-237	212	7	that	that	SCONJ
faba-237	212	8	the	the	DET
faba-237	212	9	results	result	NOUN
faba-237	212	10	showed	show	VERB
faba-237	212	11	that	that	SCONJ
faba-237	212	12	facilitating	facilitate	VERB
faba-237	212	13	conditions	condition	NOUN
faba-237	212	14	were	be	AUX
faba-237	212	15	the	the	DET
faba-237	212	16	most	most	ADV
faba-237	212	17	positive	positive	ADJ
faba-237	212	18	and	and	CCONJ
faba-237	212	19	significant	significant	ADJ
faba-237	212	20	variable	variable	NOUN
faba-237	212	21	in	in	ADP
faba-237	212	22	influencing	influence	VERB
faba-237	212	23	fintech	fintech	NOUN
faba-237	212	24	adoption	adoption	NOUN
faba-237	212	25	in	in	ADP
faba-237	212	26	saccos	sacco	NOUN
faba-237	212	27	followed	follow	VERB
faba-237	212	28	by	by	ADP
faba-237	212	29	social	social	ADJ
faba-237	212	30	influence	influence	NOUN
faba-237	212	31	and	and	CCONJ
faba-237	212	32	expected	expect	VERB
faba-237	212	33	effort	effort	NOUN
faba-237	212	34	.	.	PUNCT
faba-237	213	1	the	the	DET
faba-237	213	2	results	result	NOUN
faba-237	213	3	echo	echo	VERB
faba-237	213	4	the	the	DET
faba-237	213	5	calls	call	NOUN
faba-237	213	6	of	of	ADP
faba-237	213	7	the	the	DET
faba-237	213	8	world	world	NOUN
faba-237	213	9	bank	bank	PROPN
faba-237	213	10	(	(	PUNCT
faba-237	213	11	2021	2021	NUM
faba-237	213	12	)	)	PUNCT
faba-237	213	13	and	and	CCONJ
faba-237	213	14	hornuf	hornuf	VERB
faba-237	213	15	et	et	PROPN
faba-237	213	16	al	al	PROPN
faba-237	213	17	.	.	PROPN
faba-237	214	1	(	(	PUNCT
faba-237	214	2	2025	2025	NUM
faba-237	214	3	)	)	PUNCT
faba-237	214	4	for	for	ADP
faba-237	214	5	more	more	ADJ
faba-237	214	6	investment	investment	NOUN
faba-237	214	7	in	in	ADP
faba-237	214	8	digital	digital	ADJ
faba-237	214	9	infrastructure	infrastructure	NOUN
faba-237	214	10	and	and	CCONJ
faba-237	214	11	making	make	VERB
faba-237	214	12	sure	sure	ADJ
faba-237	214	13	that	that	SCONJ
faba-237	214	14	the	the	DET
faba-237	214	15	digital	digital	ADJ
faba-237	214	16	ecosystem	ecosystem	NOUN
faba-237	214	17	is	be	AUX
faba-237	214	18	robust	robust	ADJ
faba-237	214	19	and	and	CCONJ
faba-237	214	20	in	in	ADP
faba-237	214	21	human	human	ADJ
faba-237	214	22	capital	capital	NOUN
faba-237	214	23	by	by	ADP
faba-237	214	24	incorporating	incorporate	VERB
faba-237	214	25	information	information	NOUN
faba-237	214	26	communication	communication	NOUN
faba-237	214	27	technology	technology	NOUN
faba-237	214	28	(	(	PUNCT
faba-237	214	29	ict	ict	PROPN
faba-237	214	30	)	)	PUNCT
faba-237	214	31	and	and	CCONJ
faba-237	214	32	financial	financial	ADJ
faba-237	214	33	lessons	lesson	NOUN
faba-237	214	34	in	in	ADP
faba-237	214	35	education	education	NOUN
faba-237	214	36	such	such	ADJ
faba-237	214	37	that	that	SCONJ
faba-237	214	38	the	the	DET
faba-237	214	39	citizens	citizen	NOUN
faba-237	214	40	'	'	PART
faba-237	214	41	expertise	expertise	NOUN
faba-237	214	42	and	and	CCONJ
faba-237	214	43	knowledge	knowledge	NOUN
faba-237	214	44	in	in	ADP
faba-237	214	45	the	the	DET
faba-237	214	46	ict	ict	NOUN
faba-237	214	47	and	and	CCONJ
faba-237	214	48	finance	finance	NOUN
faba-237	214	49	are	be	AUX
faba-237	214	50	increased	increase	VERB
faba-237	214	51	.	.	PUNCT
faba-237	215	1	conclusion	conclusion	NOUN
faba-237	215	2	the	the	DET
faba-237	215	3	objective	objective	NOUN
faba-237	215	4	of	of	ADP
faba-237	215	5	the	the	DET
faba-237	215	6	study	study	NOUN
faba-237	215	7	was	be	AUX
faba-237	215	8	to	to	PART
faba-237	215	9	determine	determine	VERB
faba-237	215	10	the	the	DET
faba-237	215	11	factors	factor	NOUN
faba-237	215	12	that	that	PRON
faba-237	215	13	influence	influence	VERB
faba-237	215	14	the	the	DET
faba-237	215	15	adoption	adoption	NOUN
faba-237	215	16	of	of	ADP
faba-237	215	17	fintech	fintech	NOUN
faba-237	215	18	in	in	ADP
faba-237	215	19	saccos	saccos	PROPN
faba-237	215	20	in	in	ADP
faba-237	215	21	malawi	malawi	PROPN
faba-237	215	22	using	use	VERB
faba-237	215	23	the	the	DET
faba-237	215	24	utaut	utaut	PROPN
faba-237	215	25	model	model	NOUN
faba-237	215	26	.	.	PUNCT
faba-237	216	1	the	the	DET
faba-237	216	2	results	result	NOUN
faba-237	216	3	indicate	indicate	VERB
faba-237	216	4	that	that	SCONJ
faba-237	216	5	expected	expect	VERB
faba-237	216	6	effort	effort	NOUN
faba-237	216	7	,	,	PUNCT
faba-237	216	8	social	social	ADJ
faba-237	216	9	influence	influence	NOUN
faba-237	216	10	,	,	PUNCT
faba-237	216	11	and	and	CCONJ
faba-237	216	12	facilitating	facilitate	VERB
faba-237	216	13	conditions	condition	NOUN
faba-237	216	14	were	be	AUX
faba-237	216	15	the	the	DET
faba-237	216	16	significant	significant	ADJ
faba-237	216	17	factors	factor	NOUN
faba-237	216	18	whereas	whereas	SCONJ
faba-237	216	19	expected	expect	VERB
faba-237	216	20	performance	performance	NOUN
faba-237	216	21	was	be	AUX
faba-237	216	22	not	not	PART
faba-237	216	23	.	.	PUNCT
faba-237	217	1	further	far	ADV
faba-237	217	2	,	,	PUNCT
faba-237	217	3	facilitating	facilitate	VERB
faba-237	217	4	conditions	condition	NOUN
faba-237	217	5	were	be	AUX
faba-237	217	6	found	find	VERB
faba-237	217	7	to	to	PART
faba-237	217	8	be	be	AUX
faba-237	217	9	more	more	ADV
faba-237	217	10	influential	influential	ADJ
faba-237	217	11	followed	follow	VERB
faba-237	217	12	by	by	ADP
faba-237	217	13	social	social	ADJ
faba-237	217	14	influence	influence	NOUN
faba-237	217	15	and	and	CCONJ
faba-237	217	16	expected	expect	VERB
faba-237	217	17	effort	effort	NOUN
faba-237	217	18	.	.	PUNCT
faba-237	218	1	the	the	DET
faba-237	218	2	results	result	NOUN
faba-237	218	3	indicate	indicate	VERB
faba-237	218	4	the	the	DET
faba-237	218	5	areas	area	NOUN
faba-237	218	6	that	that	PRON
faba-237	218	7	need	need	VERB
faba-237	218	8	focusing	focus	VERB
faba-237	218	9	in	in	ADP
faba-237	218	10	promoting	promote	VERB
faba-237	218	11	fintech	fintech	NOUN
faba-237	218	12	adoption	adoption	NOUN
faba-237	218	13	in	in	ADP
faba-237	218	14	the	the	DET
faba-237	218	15	saccos	sacco	NOUN
faba-237	218	16	.	.	PUNCT
faba-237	219	1	further	far	ADV
faba-237	219	2	,	,	PUNCT
faba-237	219	3	the	the	DET
faba-237	219	4	results	result	NOUN
faba-237	219	5	indicate	indicate	VERB
faba-237	219	6	that	that	SCONJ
faba-237	219	7	the	the	DET
faba-237	219	8	promotional	promotional	ADJ
faba-237	219	9	efforts	effort	NOUN
faba-237	219	10	may	may	AUX
faba-237	219	11	need	need	VERB
faba-237	219	12	to	to	PART
faba-237	219	13	prioritize	prioritize	VERB
faba-237	219	14	ensuring	ensure	VERB
faba-237	219	15	the	the	DET
faba-237	219	16	development	development	NOUN
faba-237	219	17	of	of	ADP
faba-237	219	18	a	a	DET
faba-237	219	19	robust	robust	ADJ
faba-237	219	20	digital	digital	ADJ
faba-237	219	21	ecosystem	ecosystem	NOUN
faba-237	219	22	to	to	PART
faba-237	219	23	enhance	enhance	VERB
faba-237	219	24	the	the	DET
faba-237	219	25	facilitating	facilitating	NOUN
faba-237	219	26	conditions	condition	NOUN
faba-237	219	27	.	.	PUNCT
faba-237	220	1	the	the	DET
faba-237	220	2	major	major	ADJ
faba-237	220	3	limitation	limitation	NOUN
faba-237	220	4	of	of	ADP
faba-237	220	5	the	the	DET
faba-237	220	6	study	study	NOUN
faba-237	220	7	is	be	AUX
faba-237	220	8	that	that	SCONJ
faba-237	220	9	it	it	PRON
faba-237	220	10	is	be	AUX
faba-237	220	11	crosssectional	crosssectional	ADJ
faba-237	220	12	,	,	PUNCT
faba-237	220	13	in	in	ADP
faba-237	220	14	the	the	DET
faba-237	220	15	future	future	NOUN
faba-237	220	16	,	,	PUNCT
faba-237	220	17	a	a	DET
faba-237	220	18	longitudinal	longitudinal	ADJ
faba-237	220	19	study	study	NOUN
faba-237	220	20	may	may	AUX
faba-237	220	21	be	be	AUX
faba-237	220	22	necessary	necessary	ADJ
faba-237	220	23	to	to	PART
faba-237	220	24	evaluate	evaluate	VERB
faba-237	220	25	the	the	DET
faba-237	220	26	evolution	evolution	NOUN
faba-237	220	27	of	of	ADP
faba-237	220	28	the	the	DET
faba-237	220	29	subject	subject	NOUN
faba-237	220	30	matter	matter	NOUN
faba-237	220	31	over	over	ADP
faba-237	220	32	time	time	NOUN
faba-237	220	33	.	.	PUNCT
faba-237	221	1	references	reference	NOUN
faba-237	221	2	al	al	PROPN
faba-237	221	3	nawayseh	nawayseh	PROPN
faba-237	221	4	,	,	PUNCT
faba-237	221	5	m.	m.	PROPN
faba-237	221	6	k.	k.	PROPN
faba-237	221	7	2020	2020	NUM
faba-237	221	8	.	.	PUNCT
faba-237	222	1	fintech	fintech	NOUN
faba-237	222	2	in	in	ADP
faba-237	222	3	covid-19	covid-19	PROPN
faba-237	222	4	and	and	CCONJ
faba-237	222	5	beyond	beyond	ADP
faba-237	222	6	:	:	PUNCT
faba-237	222	7	what	what	DET
faba-237	222	8	factors	factor	NOUN
faba-237	222	9	are	be	AUX
faba-237	222	10	affecting	affect	VERB
faba-237	222	11	customers	customer	NOUN
faba-237	222	12	’	'	PUNCT
faba-237	222	13	choice	choice	NOUN
faba-237	222	14	of	of	ADP
faba-237	222	15	fintech	fintech	NOUN
faba-237	222	16	applications	application	NOUN
faba-237	222	17	?	?	PUNCT
faba-237	223	1	journal	journal	NOUN
faba-237	223	2	of	of	ADP
faba-237	223	3	open	open	ADJ
faba-237	223	4	innovation	innovation	NOUN
faba-237	223	5	:	:	PUNCT
faba-237	223	6	technology	technology	NOUN
faba-237	223	7	,	,	PUNCT
faba-237	223	8	market	market	NOUN
faba-237	223	9	,	,	PUNCT
faba-237	223	10	and	and	CCONJ
faba-237	223	11	complexity	complexity	NOUN
faba-237	223	12	,	,	PUNCT
faba-237	223	13	6(4	6(4	NUM
faba-237	223	14	):	):	PUNCT
faba-237	223	15	153	153	NUM
faba-237	223	16	.	.	PUNCT
faba-237	223	17	https://doi.org/10.3390/joitmc6040153	https://doi.org/10.3390/joitmc6040153	PROPN
faba-237	223	18	.	.	PUNCT
faba-237	224	1	allen	allen	PROPN
faba-237	224	2	,	,	PUNCT
faba-237	224	3	f.	f.	PROPN
faba-237	224	4	,	,	PUNCT
faba-237	224	5	x.	x.	PROPN
faba-237	224	6	gu	gu	PROPN
faba-237	224	7	,	,	PUNCT
faba-237	224	8	and	and	CCONJ
faba-237	224	9	j.	j.	PROPN
faba-237	224	10	jagtiani	jagtiani	PROPN
faba-237	224	11	.	.	PUNCT
faba-237	225	1	2021	2021	NUM
faba-237	225	2	.	.	PUNCT
faba-237	226	1	a	a	DET
faba-237	226	2	survey	survey	NOUN
faba-237	226	3	of	of	ADP
faba-237	226	4	fintech	fintech	NOUN
faba-237	226	5	research	research	NOUN
faba-237	226	6	and	and	CCONJ
faba-237	226	7	policy	policy	NOUN
faba-237	226	8	discussion	discussion	NOUN
faba-237	226	9	.	.	PUNCT
faba-237	227	1	review	review	NOUN
faba-237	227	2	of	of	ADP
faba-237	227	3	corporate	corporate	ADJ
faba-237	227	4	finance	finance	NOUN
faba-237	227	5	,	,	PUNCT
faba-237	227	6	1(3–4	1(3–4	NUM
faba-237	227	7	):	):	PUNCT
faba-237	227	8	259–339	259–339	NUM
faba-237	227	9	.	.	PUNCT
faba-237	228	1	https://doi.org/10.1561/114.00000007	https://doi.org/10.1561/114.00000007	PROPN
faba-237	228	2	angelina	angelina	PROPN
faba-237	228	3	,	,	PUNCT
faba-237	228	4	kurniadi	kurniadi	PROPN
faba-237	228	5	,	,	PUNCT
faba-237	228	6	e.	e.	PROPN
faba-237	228	7	,	,	PUNCT
faba-237	228	8	g.	g.	PROPN
faba-237	228	9	g.	g.	PROPN
faba-237	228	10	hendityasari	hendityasari	PROPN
faba-237	228	11	,	,	PUNCT
faba-237	228	12	and	and	CCONJ
faba-237	228	13	m.	m.	NOUN
faba-237	228	14	mariani	mariani	PROPN
faba-237	228	15	2021	2021	NUM
faba-237	228	16	.	.	PUNCT
faba-237	229	1	analysis	analysis	NOUN
faba-237	229	2	factors	factor	NOUN
faba-237	229	3	affecting	affect	VERB
faba-237	229	4	lenders	lender	NOUN
faba-237	229	5	intention	intention	NOUN
faba-237	229	6	in	in	ADP
faba-237	229	7	p2p	p2p	NOUN
faba-237	229	8	lending	lending	NOUN
faba-237	229	9	platform	platform	NOUN
faba-237	229	10	using	use	VERB
faba-237	229	11	utaut2	utaut2	PROPN
faba-237	229	12	model	model	PROPN
faba-237	229	13	.	.	PUNCT
faba-237	230	1	turkish	turkish	ADJ
faba-237	230	2	journal	journal	NOUN
faba-237	230	3	of	of	ADP
faba-237	230	4	computer	computer	NOUN
faba-237	230	5	and	and	CCONJ
faba-237	230	6	mathematics	mathematic	NOUN
faba-237	230	7	education	education	NOUN
faba-237	230	8	,	,	PUNCT
faba-237	230	9	12(3	12(3	NUM
faba-237	230	10	):	):	PUNCT
faba-237	230	11	3527–3537	3527–3537	NUM
faba-237	230	12	.	.	PUNCT
faba-237	231	1	https://doi.org/10.17762/turcomat.v12i3.1628	https://doi.org/10.17762/turcomat.v12i3.1628	X
faba-237	231	2	chan	chan	PROPN
faba-237	231	3	,	,	PUNCT
faba-237	231	4	r.	r.	PROPN
faba-237	231	5	,	,	PUNCT
faba-237	231	6	i.	i.	PROPN
faba-237	231	7	troshani	troshani	PROPN
faba-237	231	8	,	,	PUNCT
faba-237	231	9	s.	s.	PROPN
faba-237	231	10	rao	rao	PROPN
faba-237	231	11	hill	hill	PROPN
faba-237	231	12	,	,	PUNCT
faba-237	231	13	and	and	CCONJ
faba-237	231	14	a.	a.	PROPN
faba-237	231	15	hoffmann	hoffmann	PROPN
faba-237	231	16	.	.	PUNCT
faba-237	231	17	2022	2022	NUM
faba-237	231	18	.	.	PUNCT
faba-237	232	1	towards	towards	ADP
faba-237	232	2	an	an	DET
faba-237	232	3	understanding	understanding	NOUN
faba-237	232	4	of	of	ADP
faba-237	232	5	consumers	consumer	NOUN
faba-237	232	6	’	'	PUNCT
faba-237	232	7	fintech	fintech	NOUN
faba-237	232	8	adoption	adoption	NOUN
faba-237	232	9	:	:	PUNCT
faba-237	232	10	the	the	DET
faba-237	232	11	case	case	NOUN
faba-237	232	12	of	of	ADP
faba-237	232	13	open	open	ADJ
faba-237	232	14	banking	banking	NOUN
faba-237	232	15	.	.	PUNCT
faba-237	233	1	international	international	ADJ
faba-237	233	2	journal	journal	PROPN
faba-237	233	3	of	of	ADP
faba-237	233	4	bank	bank	PROPN
faba-237	233	5	marketing	marketing	NOUN
faba-237	233	6	,	,	PUNCT
faba-237	233	7	40(4	40(4	NUM
faba-237	233	8	):	):	PUNCT
faba-237	233	9	886	886	NUM
faba-237	233	10	–	–	PUNCT
faba-237	233	11	917	917	NUM
faba-237	233	12	.	.	PUNCT
faba-237	233	13	https://doi.org/10.1108/ijbm-08-2021-0397	https://doi.org/10.1108/ijbm-08-2021-0397	NOUN
faba-237	233	14	chirwa	chirwa	NOUN
faba-237	233	15	,	,	PUNCT
faba-237	233	16	e.	e.	PROPN
faba-237	233	17	2022	2022	PROPN
faba-237	233	18	.	.	PUNCT
faba-237	234	1	understanding	understand	VERB
faba-237	234	2	the	the	DET
faba-237	234	3	dynamics	dynamic	NOUN
faba-237	234	4	of	of	ADP
faba-237	234	5	value	value	NOUN
faba-237	234	6	co	co	NOUN
faba-237	234	7	-	-	NOUN
faba-237	234	8	creation	creation	NOUN
faba-237	234	9	in	in	ADP
faba-237	234	10	a	a	DET
faba-237	234	11	digital	digital	ADJ
faba-237	234	12	platform	platform	NOUN
faba-237	234	13	ecosystem	ecosystem	NOUN
faba-237	234	14	:	:	PUNCT
faba-237	234	15	the	the	DET
faba-237	234	16	case	case	NOUN
faba-237	234	17	of	of	ADP
faba-237	234	18	mobile	mobile	ADJ
faba-237	234	19	money	money	NOUN
faba-237	234	20	in	in	ADP
faba-237	234	21	malawi	malawi	PROPN
faba-237	234	22	.	.	PUNCT
faba-237	235	1	phd	phd	NOUN
faba-237	235	2	thesis	thesis	PROPN
faba-237	235	3	.	.	PUNCT
faba-237	236	1	university	university	NOUN
faba-237	236	2	of	of	ADP
faba-237	236	3	sheffield	sheffield	PROPN
faba-237	236	4	.	.	PUNCT
faba-237	237	1	daft	daft	PROPN
faba-237	237	2	,	,	PUNCT
faba-237	237	3	r.	r.	PROPN
faba-237	237	4	l.	l.	PROPN
faba-237	237	5	2016	2016	NUM
faba-237	237	6	.	.	PUNCT
faba-237	238	1	management	management	NOUN
faba-237	238	2	.	.	PUNCT
faba-237	239	1	boston	boston	PROPN
faba-237	239	2	:	:	PUNCT
faba-237	239	3	cengage	cengage	PROPN
faba-237	239	4	learning	learning	PROPN
faba-237	239	5	.	.	PUNCT
faba-237	240	1	sebasti´an	sebasti´an	PROPN
faba-237	240	2	,	,	PUNCT
faba-237	240	3	m.	m.	NOUN
faba-237	240	4	g.	g.	PROPN
faba-237	240	5	de	de	PROPN
faba-237	240	6	b.	b.	PROPN
faba-237	240	7	,	,	PUNCT
faba-237	240	8	a.	a.	NOUN
faba-237	240	9	antonovica	antonovica	PROPN
faba-237	240	10	,	,	PUNCT
faba-237	240	11	and	and	CCONJ
faba-237	240	12	j.	j.	PROPN
faba-237	240	13	r.	r.	PROPN
faba-237	240	14	s.	s.	PROPN
faba-237	240	15	guede	guede	PROPN
faba-237	240	16	.	.	PUNCT
faba-237	241	1	2023	2023	NUM
faba-237	241	2	.	.	PUNCT
faba-237	242	1	what	what	PRON
faba-237	242	2	are	be	AUX
faba-237	242	3	the	the	DET
faba-237	242	4	leading	lead	VERB
faba-237	242	5	factors	factor	NOUN
faba-237	242	6	for	for	ADP
faba-237	242	7	using	use	VERB
faba-237	242	8	spanish	spanish	ADJ
faba-237	242	9	peer	peer	NOUN
faba-237	242	10	-	-	PUNCT
faba-237	242	11	to	to	ADP
faba-237	242	12	-	-	PUNCT
faba-237	242	13	peer	peer	NOUN
faba-237	242	14	mobile	mobile	ADJ
faba-237	242	15	payment	payment	NOUN
faba-237	242	16	platform	platform	NOUN
faba-237	242	17	bizum	bizum	PROPN
faba-237	242	18	?	?	PUNCT
faba-237	243	1	the	the	DET
faba-237	243	2	applied	apply	VERB
faba-237	243	3	analysis	analysis	NOUN
faba-237	243	4	of	of	ADP
faba-237	243	5	the	the	DET
faba-237	243	6	utaut2	utaut2	PROPN
faba-237	243	7	model	model	PROPN
faba-237	243	8	.	.	PUNCT
faba-237	244	1	technological	technological	ADJ
faba-237	244	2	forecasting	forecasting	NOUN
faba-237	244	3	and	and	CCONJ
faba-237	244	4	social	social	ADJ
faba-237	244	5	change	change	NOUN
faba-237	244	6	,	,	PUNCT
faba-237	244	7	187(february	187(february	NUM
faba-237	244	8	)	)	PUNCT
faba-237	244	9	.	.	PUNCT
faba-237	245	1	https://doi.org/10.1016/j.techfore.2022.122235	https://doi.org/10.1016/j.techfore.2022.122235	PROPN
faba-237	245	2	evans	evans	PROPN
faba-237	245	3	,	,	PUNCT
faba-237	245	4	o.	o.	PROPN
faba-237	245	5	2018	2018	NUM
faba-237	245	6	.	.	PUNCT
faba-237	246	1	connecting	connect	VERB
faba-237	246	2	the	the	DET
faba-237	246	3	poor	poor	ADJ
faba-237	246	4	:	:	PUNCT
faba-237	246	5	the	the	DET
faba-237	246	6	internet	internet	NOUN
faba-237	246	7	,	,	PUNCT
faba-237	246	8	mobile	mobile	ADJ
faba-237	246	9	phones	phone	NOUN
faba-237	246	10	and	and	CCONJ
faba-237	246	11	financial	financial	ADJ
faba-237	246	12	inclusion	inclusion	NOUN
faba-237	246	13	in	in	ADP
faba-237	246	14	africa	africa	PROPN
faba-237	246	15	.	.	PUNCT
faba-237	247	1	digital	digital	ADJ
faba-237	247	2	policy	policy	NOUN
faba-237	247	3	,	,	PUNCT
faba-237	247	4	regulation	regulation	NOUN
faba-237	247	5	and	and	CCONJ
faba-237	247	6	governance	governance	NOUN
faba-237	247	7	,	,	PUNCT
faba-237	247	8	20(6	20(6	NOUN
faba-237	247	9	):	):	PUNCT
faba-237	247	10	568	568	NUM
faba-237	247	11	-	-	SYM
faba-237	247	12	581	581	NUM
faba-237	247	13	.	.	PUNCT
faba-237	248	1	https://doi.org/10.1108/dprg-04-2018-0018	https://doi.org/10.1108/dprg-04-2018-0018	NOUN
faba-237	248	2	feyen	feyen	PROPN
faba-237	248	3	,	,	PUNCT
faba-237	248	4	e.	e.	PROPN
faba-237	248	5	,	,	PUNCT
faba-237	248	6	h.	h.	PROPN
faba-237	248	7	natarajan	natarajan	PROPN
faba-237	248	8	,	,	PUNCT
faba-237	248	9	and	and	CCONJ
faba-237	248	10	m.	m.	PROPN
faba-237	248	11	saal	saal	PROPN
faba-237	248	12	.	.	PROPN
faba-237	248	13	2023	2023	NUM
faba-237	248	14	.	.	PUNCT
faba-237	249	1	fintech	fintech	NOUN
faba-237	249	2	and	and	CCONJ
faba-237	249	3	the	the	DET
faba-237	249	4	future	future	NOUN
faba-237	249	5	of	of	ADP
faba-237	249	6	finance	finance	NOUN
faba-237	249	7	-	-	PUNCT
faba-237	249	8	market	market	NOUN
faba-237	249	9	and	and	CCONJ
faba-237	249	10	policy	policy	NOUN
faba-237	249	11	implications	implication	NOUN
faba-237	249	12	.	.	PUNCT
faba-237	250	1	the	the	DET
faba-237	250	2	world	world	PROPN
faba-237	250	3	bank	bank	PROPN
faba-237	250	4	group	group	NOUN
faba-237	250	5	.	.	PUNCT
faba-237	251	1	finmark	finmark	PROPN
faba-237	251	2	trust	trust	PROPN
faba-237	251	3	.	.	PUNCT
faba-237	252	1	2020	2020	NUM
faba-237	252	2	.	.	PUNCT
faba-237	253	1	malawi	malawi	PROPN
faba-237	253	2	financial	financial	PROPN
faba-237	253	3	inclusion	inclusion	PROPN
faba-237	253	4	refresh	refresh	PROPN
faba-237	253	5	.	.	PUNCT
faba-237	254	1	available	available	ADJ
faba-237	254	2	at	at	ADP
faba-237	254	3	:	:	PUNCT
faba-237	254	4	https://uncdfmapdata.org	https://uncdfmapdata.org	X
faba-237	254	5	.	.	PUNCT
faba-237	255	1	[	[	X
faba-237	255	2	accessed	access	VERB
faba-237	255	3	6th	6th	ADJ
faba-237	255	4	october	october	NOUN
faba-237	255	5	2024	2024	NUM
faba-237	255	6	]	]	PUNCT
faba-237	256	1	hassan	hassan	PROPN
faba-237	256	2	,	,	PUNCT
faba-237	256	3	s.	s.	PROPN
faba-237	256	4	,	,	PUNCT
faba-237	256	5	a.	a.	PROPN
faba-237	256	6	islam	islam	PROPN
faba-237	256	7	,	,	PUNCT
faba-237	256	8	f.	f.	PROPN
faba-237	256	9	a.	a.	PROPN
faba-237	256	10	sobhani	sobhani	PROPN
faba-237	256	11	,	,	PUNCT
faba-237	256	12	h.	h.	PROPN
faba-237	256	13	nasir	nasir	PROPN
faba-237	256	14	,	,	PUNCT
faba-237	256	15	i.	i.	PROPN
faba-237	256	16	mahmud	mahmud	PROPN
faba-237	256	17	.	.	PUNCT
faba-237	257	1	2022	2022	NUM
faba-237	257	2	.	.	PUNCT
faba-237	258	1	drivers	driver	NOUN
faba-237	258	2	influencing	influence	VERB
faba-237	258	3	the	the	DET
faba-237	258	4	adoption	adoption	NOUN
faba-237	258	5	intention	intention	NOUN
faba-237	258	6	towards	towards	ADP
faba-237	258	7	mobile	mobile	ADJ
faba-237	258	8	fintech	fintech	NOUN
faba-237	258	9	services	service	NOUN
faba-237	258	10	 	 	SPACE
faba-237	258	11	:	:	PUNCT
faba-237	258	12	a	a	DET
faba-237	258	13	study	study	NOUN
faba-237	258	14	on	on	ADP
faba-237	258	15	the	the	DET
faba-237	258	16	emerging	emerge	VERB
faba-237	258	17	bangladesh	bangladesh	NOUN
faba-237	258	18	market	market	NOUN
faba-237	258	19	.	.	PUNCT
faba-237	259	1	information	information	NOUN
faba-237	259	2	,	,	PUNCT
faba-237	259	3	13(7	13(7	NUM
faba-237	259	4	):	):	PUNCT
faba-237	259	5	reuben	reuben	PROPN
faba-237	259	6	b.	b.	PROPN
faba-237	259	7	chipeta	chipeta	PROPN
faba-237	259	8	,	,	PUNCT
faba-237	259	9	andrew	andrew	PROPN
faba-237	259	10	m.	m.	PROPN
faba-237	259	11	lipunga	lipunga	PROPN
faba-237	259	12	/	/	SYM
faba-237	259	13	finance	finance	NOUN
faba-237	259	14	,	,	PUNCT
faba-237	259	15	accounting	accounting	NOUN
faba-237	259	16	and	and	CCONJ
faba-237	259	17	business	business	NOUN
faba-237	259	18	analysis	analysis	NOUN
faba-237	259	19	,	,	PUNCT
faba-237	259	20	volume	volume	NOUN
faba-237	259	21	7	7	NUM
faba-237	259	22	,	,	PUNCT
faba-237	259	23	issue	issue	NOUN
faba-237	259	24	1	1	NUM
faba-237	259	25	,	,	PUNCT
faba-237	259	26	2025	2025	NUM
faba-237	259	27	9	9	NUM
faba-237	259	28	349	349	NUM
faba-237	259	29	.	.	PUNCT
faba-237	260	1	https://doi.org/10.3390/info13070349.market	https://doi.org/10.3390/info13070349.market	PROPN
faba-237	260	2	.	.	PUNCT
faba-237	260	3	1–16	1–16	PROPN
faba-237	260	4	.	.	PUNCT
faba-237	261	1	hasyim	hasyim	PROPN
faba-237	261	2	,	,	PUNCT
faba-237	261	3	f.	f.	PROPN
faba-237	261	4	2022	2022	NUM
faba-237	261	5	.	.	PUNCT
faba-237	262	1	modification	modification	NOUN
faba-237	262	2	of	of	ADP
faba-237	262	3	utaut2	utaut2	NOUN
faba-237	262	4	in	in	ADP
faba-237	262	5	assessing	assess	VERB
faba-237	262	6	the	the	DET
faba-237	262	7	use	use	NOUN
faba-237	262	8	of	of	ADP
faba-237	262	9	e	e	NOUN
faba-237	262	10	-	-	NOUN
faba-237	262	11	money	money	NOUN
faba-237	262	12	in	in	ADP
faba-237	262	13	surakarta	surakarta	NOUN
faba-237	262	14	.	.	PUNCT
faba-237	263	1	islamic	islamic	ADJ
faba-237	263	2	economics	economic	NOUN
faba-237	263	3	and	and	CCONJ
faba-237	263	4	finance	finance	NOUN
faba-237	263	5	journal	journal	NOUN
faba-237	263	6	,	,	PUNCT
faba-237	263	7	1(2	1(2	NUM
faba-237	263	8	):	):	PUNCT
faba-237	263	9	114–134	114–134	NUM
faba-237	263	10	.	.	PUNCT
faba-237	263	11	https://doi.org/10.55657/iefj.v1i2.41	https://doi.org/10.55657/iefj.v1i2.41	PROPN
faba-237	263	12	hornuf	hornuf	PROPN
faba-237	263	13	,	,	PUNCT
faba-237	263	14	l.	l.	PROPN
faba-237	263	15	,	,	PUNCT
faba-237	263	16	k.	k.	PROPN
faba-237	263	17	safari	safari	PROPN
faba-237	263	18	,	,	PUNCT
faba-237	263	19	and	and	CCONJ
faba-237	263	20	j.	j.	PROPN
faba-237	263	21	voshaar	voshaar	PROPN
faba-237	263	22	.	.	PUNCT
faba-237	264	1	2025	2025	NUM
faba-237	264	2	.	.	PUNCT
faba-237	265	1	mobile	mobile	ADJ
faba-237	265	2	fintech	fintech	NOUN
faba-237	265	3	adoption	adoption	NOUN
faba-237	265	4	in	in	ADP
faba-237	265	5	sub	sub	ADJ
faba-237	265	6	-	-	ADJ
faba-237	265	7	saharan	saharan	ADJ
faba-237	265	8	africa	africa	PROPN
faba-237	265	9	:	:	PUNCT
faba-237	265	10	a	a	DET
faba-237	265	11	systematic	systematic	ADJ
faba-237	265	12	literature	literature	NOUN
faba-237	265	13	review	review	NOUN
faba-237	265	14	and	and	CCONJ
faba-237	265	15	meta	meta	ADJ
faba-237	265	16	-	-	PUNCT
faba-237	265	17	analysis	analysis	NOUN
faba-237	265	18	.	.	PUNCT
faba-237	266	1	research	research	NOUN
faba-237	266	2	in	in	ADP
faba-237	266	3	international	international	ADJ
faba-237	266	4	business	business	NOUN
faba-237	266	5	and	and	CCONJ
faba-237	266	6	finance	finance	NOUN
faba-237	266	7	,	,	PUNCT
faba-237	266	8	73(part	73(part	NUM
faba-237	266	9	a	a	X
faba-237	266	10	)	)	PUNCT
faba-237	266	11	https://doi.org/10.1016/j.ribaf.2024.102529	https://doi.org/10.1016/j.ribaf.2024.102529	PROPN
faba-237	266	12	.	.	PUNCT
faba-237	267	1	johnson	johnson	PROPN
faba-237	267	2	,	,	PUNCT
faba-237	267	3	g.	g.	PROPN
faba-237	267	4	,	,	PUNCT
faba-237	267	5	r.	r.	PROPN
faba-237	267	6	whittington	whittington	PROPN
faba-237	267	7	,	,	PUNCT
faba-237	267	8	k.	k.	PROPN
faba-237	267	9	scholes	scholes	PROPN
faba-237	267	10	,	,	PUNCT
faba-237	267	11	d.	d.	PROPN
faba-237	267	12	angwin	angwin	PROPN
faba-237	267	13	,	,	PUNCT
faba-237	267	14	and	and	CCONJ
faba-237	267	15	p.	p.	NOUN
faba-237	267	16	regner	regner	NOUN
faba-237	267	17	.	.	PUNCT
faba-237	268	1	2017	2017	NUM
faba-237	268	2	.	.	PUNCT
faba-237	269	1	exploring	explore	VERB
faba-237	269	2	strategy	strategy	NOUN
faba-237	269	3	.	.	PUNCT
faba-237	270	1	london	london	PROPN
faba-237	270	2	:	:	PUNCT
faba-237	270	3	pearson	pearson	PROPN
faba-237	270	4	.	.	PUNCT
faba-237	271	1	kim	kim	PROPN
faba-237	271	2	,	,	PUNCT
faba-237	271	3	j.	j.	PROPN
faba-237	271	4	,	,	PUNCT
faba-237	271	5	y.	y.	PROPN
faba-237	271	6	choi	choi	PROPN
faba-237	271	7	,	,	PUNCT
faba-237	271	8	y.	y.	PROPN
faba-237	271	9	j.	j.	PROPN
faba-237	271	10	park	park	PROPN
faba-237	271	11	,	,	PUNCT
faba-237	271	12	and	and	CCONJ
faba-237	271	13	j.	j.	PROPN
faba-237	271	14	yeon	yeon	PROPN
faba-237	271	15	.	.	PUNCT
faba-237	272	1	2016	2016	NUM
faba-237	272	2	.	.	PUNCT
faba-237	273	1	the	the	DET
faba-237	273	2	adoption	adoption	NOUN
faba-237	273	3	of	of	ADP
faba-237	273	4	mobile	mobile	ADJ
faba-237	273	5	payment	payment	NOUN
faba-237	273	6	services	service	NOUN
faba-237	273	7	for	for	ADP
faba-237	273	8	“	"	PUNCT
faba-237	273	9	fintech	fintech	NOUN
faba-237	273	10	"	"	PUNCT
faba-237	273	11	.	.	PUNCT
faba-237	274	1	international	international	ADJ
faba-237	274	2	journal	journal	PROPN
faba-237	274	3	of	of	ADP
faba-237	274	4	applied	apply	VERB
faba-237	274	5	engineering	engineering	NOUN
faba-237	274	6	research	research	NOUN
faba-237	274	7	,	,	PUNCT
faba-237	274	8	1(2	1(2	NUM
faba-237	274	9	):	):	PUNCT
faba-237	274	10	1058	1058	NUM
faba-237	274	11	-	-	SYM
faba-237	274	12	1061	1061	NUM
faba-237	274	13	.	.	PUNCT
faba-237	275	1	kurniasari	kurniasari	PROPN
faba-237	275	2	,	,	PUNCT
faba-237	275	3	f.	f.	PROPN
faba-237	275	4	,	,	PUNCT
faba-237	275	5	p.	p.	PROPN
faba-237	275	6	utomo	utomo	PROPN
faba-237	275	7	,	,	PUNCT
faba-237	275	8	and	and	CCONJ
faba-237	275	9	s.	s.	PROPN
faba-237	275	10	y.	y.	PROPN
faba-237	275	11	jimmy	jimmy	PROPN
faba-237	275	12	.	.	PUNCT
faba-237	276	1	2023	2023	NUM
faba-237	276	2	.	.	PUNCT
faba-237	277	1	determinant	determinant	ADJ
faba-237	277	2	factors	factor	NOUN
faba-237	277	3	of	of	ADP
faba-237	277	4	fintech	fintech	NOUN
faba-237	277	5	adoption	adoption	NOUN
faba-237	277	6	in	in	ADP
faba-237	277	7	organization	organization	NOUN
faba-237	277	8	using	use	VERB
faba-237	277	9	utaut	utaut	PROPN
faba-237	277	10	theory	theory	NOUN
faba-237	277	11	approach	approach	NOUN
faba-237	277	12	.	.	PUNCT
faba-237	278	1	journal	journal	NOUN
faba-237	278	2	of	of	ADP
faba-237	278	3	business	business	NOUN
faba-237	278	4	and	and	CCONJ
faba-237	278	5	management	management	NOUN
faba-237	278	6	review	review	NOUN
faba-237	278	7	,	,	PUNCT
faba-237	278	8	4(2	4(2	NUM
faba-237	278	9	):	):	PUNCT
faba-237	278	10	092–103	092–103	NUM
faba-237	278	11	.	.	PUNCT
faba-237	279	1	https://doi.org/10.47153/jbmr42.6032023	https://doi.org/10.47153/jbmr42.6032023	PROPN
faba-237	279	2	makongoro	makongoro	PROPN
faba-237	279	3	,	,	PUNCT
faba-237	279	4	g.	g.	PROPN
faba-237	279	5	2014	2014	NUM
faba-237	279	6	.	.	PUNCT
faba-237	280	1	factors	factor	NOUN
faba-237	280	2	influencing	influence	VERB
faba-237	280	3	customer	customer	NOUN
faba-237	280	4	adoption	adoption	NOUN
faba-237	280	5	of	of	ADP
faba-237	280	6	mobile	mobile	ADJ
faba-237	280	7	banking	banking	NOUN
faba-237	280	8	services	service	NOUN
faba-237	280	9	in	in	ADP
faba-237	280	10	tanzania	tanzania	PROPN
faba-237	280	11	.	.	PUNCT
faba-237	281	1	masters	master	NOUN
faba-237	281	2	thesis	thesis	NOUN
faba-237	281	3	.	.	PUNCT
faba-237	282	1	the	the	DET
faba-237	282	2	open	open	ADJ
faba-237	282	3	university	university	PROPN
faba-237	282	4	of	of	ADP
faba-237	282	5	tanzania	tanzania	PROPN
faba-237	282	6	.	.	PUNCT
faba-237	283	1	mansournia	mansournia	PROPN
faba-237	283	2	,	,	PUNCT
faba-237	283	3	m.	m.	NOUN
faba-237	283	4	a.	a.	PROPN
faba-237	283	5	,	,	PUNCT
faba-237	283	6	m.	m.	NOUN
faba-237	283	7	nazemipour	nazemipour	PROPN
faba-237	283	8	,	,	PUNCT
faba-237	283	9	a.	a.	PROPN
faba-237	283	10	i.	i.	PROPN
faba-237	283	11	naimi	naimi	PROPN
faba-237	283	12	,	,	PUNCT
faba-237	283	13	g.	g.	PROPN
faba-237	283	14	s.	s.	PROPN
faba-237	283	15	collins	collins	PROPN
faba-237	283	16	,	,	PUNCT
faba-237	283	17	and	and	CCONJ
faba-237	283	18	m.	m.	PROPN
faba-237	283	19	j.	j.	PROPN
faba-237	283	20	campbell	campbell	PROPN
faba-237	283	21	.	.	PUNCT
faba-237	284	1	(	(	PUNCT
faba-237	284	2	2021	2021	NUM
faba-237	284	3	)	)	PUNCT
faba-237	284	4	.	.	PUNCT
faba-237	285	1	reflection	reflection	NOUN
faba-237	285	2	on	on	ADP
faba-237	285	3	modern	modern	ADJ
faba-237	285	4	methods	method	NOUN
faba-237	285	5	:	:	PUNCT
faba-237	285	6	demystifying	demystify	VERB
faba-237	285	7	robust	robust	ADJ
faba-237	285	8	standard	standard	ADJ
faba-237	285	9	errors	error	NOUN
faba-237	285	10	for	for	ADP
faba-237	285	11	epidemiologists	epidemiologist	NOUN
faba-237	285	12	.	.	PUNCT
faba-237	286	1	international	international	ADJ
faba-237	286	2	journal	journal	NOUN
faba-237	286	3	of	of	ADP
faba-237	286	4	epidemiology	epidemiology	NOUN
faba-237	286	5	,	,	PUNCT
faba-237	286	6	50(1	50(1	NUM
faba-237	286	7	):	):	PUNCT
faba-237	286	8	346–351	346–351	NUM
faba-237	286	9	.	.	PUNCT
faba-237	287	1	https://doi.org/10.1093/ije/dyaa260	https://doi.org/10.1093/ije/dyaa260	PROPN
faba-237	287	2	mckillop	mckillop	PROPN
faba-237	287	3	,	,	PUNCT
faba-237	287	4	d.	d.	PROPN
faba-237	287	5	,	,	PUNCT
faba-237	287	6	d.	d.	PROPN
faba-237	287	7	french	french	PROPN
faba-237	287	8	,	,	PUNCT
faba-237	287	9	b.	b.	PROPN
faba-237	287	10	quinn	quinn	PROPN
faba-237	287	11	,	,	PUNCT
faba-237	287	12	a.	a.	PROPN
faba-237	287	13	l.	l.	PROPN
faba-237	287	14	sobiech	sobiech	PROPN
faba-237	287	15	,	,	PUNCT
faba-237	287	16	and	and	CCONJ
faba-237	287	17	j.	j.	PROPN
faba-237	287	18	o.	o.	PROPN
faba-237	287	19	s.	s.	PROPN
faba-237	287	20	wilson	wilson	PROPN
faba-237	287	21	.	.	PUNCT
faba-237	288	1	(	(	PUNCT
faba-237	288	2	2020	2020	NUM
faba-237	288	3	)	)	PUNCT
faba-237	288	4	.	.	PUNCT
faba-237	289	1	cooperative	cooperative	ADJ
faba-237	289	2	financial	financial	ADJ
faba-237	289	3	institutions	institution	NOUN
faba-237	289	4	:	:	PUNCT
faba-237	289	5	a	a	DET
faba-237	289	6	review	review	NOUN
faba-237	289	7	of	of	ADP
faba-237	289	8	the	the	DET
faba-237	289	9	literature	literature	NOUN
faba-237	289	10	.	.	PUNCT
faba-237	290	1	international	international	ADJ
faba-237	290	2	review	review	NOUN
faba-237	290	3	of	of	ADP
faba-237	290	4	financial	financial	ADJ
faba-237	290	5	analysis	analysis	NOUN
faba-237	290	6	,	,	PUNCT
faba-237	290	7	71(december	71(december	NUM
faba-237	290	8	2019	2019	NUM
faba-237	290	9	)	)	PUNCT
faba-237	290	10	.	.	PUNCT
faba-237	291	1	https://doi.org/10.1016/j.irfa.2020.101520	https://doi.org/10.1016/j.irfa.2020.101520	PROPN
faba-237	291	2	williams	williams	PROPN
faba-237	291	3	,	,	PUNCT
faba-237	291	4	d.	d.	PROPN
faba-237	291	5	m.	m.	PROPN
faba-237	291	6	2015	2015	NUM
faba-237	291	7	.	.	PUNCT
faba-237	292	1	the	the	DET
faba-237	292	2	unified	unified	ADJ
faba-237	292	3	theory	theory	NOUN
faba-237	292	4	of	of	ADP
faba-237	292	5	acceptance	acceptance	NOUN
faba-237	292	6	and	and	CCONJ
faba-237	292	7	use	use	NOUN
faba-237	292	8	of	of	ADP
faba-237	292	9	technology	technology	NOUN
faba-237	292	10	(	(	PUNCT
faba-237	292	11	utaut	utaut	PROPN
faba-237	292	12	):	):	PUNCT
faba-237	292	13	a	a	DET
faba-237	292	14	literature	literature	NOUN
faba-237	292	15	review	review	NOUN
faba-237	292	16	.	.	PUNCT
faba-237	293	1	journal	journal	NOUN
faba-237	293	2	of	of	ADP
faba-237	293	3	enterprise	enterprise	NOUN
faba-237	293	4	information	information	NOUN
faba-237	293	5	management	management	NOUN
faba-237	293	6	,	,	PUNCT
faba-237	293	7	28(3	28(3	NUM
faba-237	293	8	):	):	PUNCT
faba-237	293	9	443–488	443–488	NUM
faba-237	293	10	.	.	PUNCT
faba-237	294	1	malawi	malawi	PROPN
faba-237	294	2	union	union	PROPN
faba-237	294	3	of	of	ADP
faba-237	294	4	savings	saving	NOUN
faba-237	294	5	and	and	CCONJ
faba-237	294	6	credit	credit	NOUN
faba-237	294	7	cooperative	cooperative	NOUN
faba-237	294	8	.	.	PUNCT
faba-237	295	1	2023	2023	NUM
faba-237	295	2	.	.	PUNCT
faba-237	296	1	sacco	sacco	PROPN
faba-237	296	2	quarterly	quarterly	ADJ
faba-237	296	3	financial	financial	ADJ
faba-237	296	4	and	and	CCONJ
faba-237	296	5	statistical	statistical	ADJ
faba-237	296	6	report	report	NOUN
faba-237	296	7	as	as	ADP
faba-237	296	8	at	at	ADP
faba-237	296	9	30th	30th	ADJ
faba-237	296	10	september	september	PROPN
faba-237	296	11	2023	2023	NUM
faba-237	296	12	.	.	PUNCT
faba-237	297	1	malawi	malawi	PROPN
faba-237	297	2	sacco	sacco	PROPN
faba-237	297	3	statistics	statistics	PROPN
faba-237	297	4	.	.	PUNCT
faba-237	298	1	najib	najib	NOUN
faba-237	298	2	,	,	PUNCT
faba-237	298	3	m.	m.	NOUN
faba-237	298	4	,	,	PUNCT
faba-237	298	5	w.	w.	PROPN
faba-237	298	6	j.	j.	PROPN
faba-237	298	7	ermawati	ermawati	PROPN
faba-237	298	8	,	,	PUNCT
faba-237	298	9	f.	f.	PROPN
faba-237	298	10	fahma	fahma	PROPN
faba-237	298	11	,	,	PUNCT
faba-237	298	12	e.	e.	PROPN
faba-237	298	13	endri	endri	PROPN
faba-237	298	14	and	and	CCONJ
faba-237	298	15	d.	d.	PROPN
faba-237	298	16	suhartanto	suhartanto	PROPN
faba-237	298	17	.	.	PUNCT
faba-237	298	18	2021	2021	NUM
faba-237	298	19	.	.	PUNCT
faba-237	299	1	fintech	fintech	NOUN
faba-237	299	2	in	in	ADP
faba-237	299	3	the	the	DET
faba-237	299	4	small	small	ADJ
faba-237	299	5	food	food	NOUN
faba-237	299	6	business	business	NOUN
faba-237	299	7	and	and	CCONJ
faba-237	299	8	its	its	PRON
faba-237	299	9	relation	relation	NOUN
faba-237	299	10	with	with	ADP
faba-237	299	11	open	open	ADJ
faba-237	299	12	innovation	innovation	NOUN
faba-237	299	13	.	.	PUNCT
faba-237	300	1	journal	journal	NOUN
faba-237	300	2	of	of	ADP
faba-237	300	3	open	open	ADJ
faba-237	300	4	innovation	innovation	NOUN
faba-237	300	5	:	:	PUNCT
faba-237	300	6	technology	technology	NOUN
faba-237	300	7	,	,	PUNCT
faba-237	300	8	market	market	NOUN
faba-237	300	9	,	,	PUNCT
faba-237	300	10	and	and	CCONJ
faba-237	300	11	complexity	complexity	NOUN
faba-237	300	12	.	.	PUNCT
faba-237	301	1	7(1):88	7(1):88	X
faba-237	301	2	.	.	PUNCT
faba-237	302	1	https://doi.org/10.3390/joitmc7010088	https://doi.org/10.3390/joitmc7010088	PROPN
faba-237	302	2	nanduri	nanduri	PROPN
faba-237	302	3	,	,	PUNCT
faba-237	302	4	s.	s.	PROPN
faba-237	302	5	2021	2021	NUM
faba-237	302	6	.	.	PUNCT
faba-237	303	1	digital	digital	ADJ
faba-237	303	2	finance	finance	NOUN
faba-237	303	3	:	:	PUNCT
faba-237	303	4	fintech	fintech	NOUN
faba-237	303	5	for	for	ADP
faba-237	303	6	financial	financial	ADJ
faba-237	303	7	inclusion	inclusion	NOUN
faba-237	303	8	and	and	CCONJ
faba-237	303	9	sustainability	sustainability	NOUN
faba-237	303	10	.	.	PUNCT
faba-237	304	1	turkish	turkish	ADJ
faba-237	304	2	online	online	ADJ
faba-237	304	3	journal	journal	PROPN
faba-237	304	4	of	of	ADP
faba-237	304	5	qualitative	qualitative	ADJ
faba-237	304	6	inquiry	inquiry	NOUN
faba-237	304	7	,	,	PUNCT
faba-237	304	8	12(6	12(6	NUM
faba-237	304	9	):	):	PUNCT
faba-237	304	10	5135–5142	5135–5142	NUM
faba-237	304	11	.	.	PUNCT
faba-237	305	1	pallant	pallant	PROPN
faba-237	305	2	,	,	PUNCT
faba-237	305	3	j.	j.	PROPN
faba-237	305	4	2010	2010	NUM
faba-237	305	5	.	.	PUNCT
faba-237	306	1	spss	spss	PROPN
faba-237	306	2	survival	survival	PROPN
faba-237	306	3	manual	manual	NOUN
faba-237	306	4	:	:	PUNCT
faba-237	306	5	a	a	DET
faba-237	306	6	step	step	NOUN
faba-237	306	7	by	by	ADP
faba-237	306	8	step	step	NOUN
faba-237	306	9	guide	guide	NOUN
faba-237	306	10	to	to	ADP
faba-237	306	11	data	datum	NOUN
faba-237	306	12	analysis	analysis	NOUN
faba-237	306	13	using	use	VERB
faba-237	306	14	spss	spss	PROPN
faba-237	306	15	.	.	PUNCT
faba-237	307	1	london	london	PROPN
faba-237	307	2	:	:	PUNCT
faba-237	307	3	mcgrawhill	mcgrawhill	PROPN
faba-237	307	4	.	.	PUNCT
faba-237	308	1	papagiannidis	papagiannidis	PROPN
faba-237	308	2	,	,	PUNCT
faba-237	308	3	s.	s.	PROPN
faba-237	308	4	2022	2022	NUM
faba-237	308	5	.	.	PUNCT
faba-237	309	1	theoryhub	theoryhub	NOUN
faba-237	309	2	book	book	NOUN
faba-237	309	3	:	:	PUNCT
faba-237	309	4	a	a	DET
faba-237	309	5	theory	theory	NOUN
faba-237	309	6	resource	resource	NOUN
faba-237	309	7	for	for	ADP
faba-237	309	8	students	student	NOUN
faba-237	309	9	and	and	CCONJ
faba-237	309	10	researchers	researcher	NOUN
faba-237	309	11	alike	alike	ADV
faba-237	309	12	.	.	PUNCT
faba-237	310	1	available	available	ADJ
faba-237	310	2	at	at	ADP
faba-237	310	3	:	:	PUNCT
faba-237	310	4	https://open.ncl.ac.uk	https://open.ncl.ac.uk	VERB
faba-237	310	5	.	.	PUNCT
faba-237	311	1	[	[	X
faba-237	311	2	accessed	access	VERB
faba-237	311	3	6th	6th	ADJ
faba-237	311	4	october	october	NOUN
faba-237	311	5	2024	2024	NUM
faba-237	311	6	]	]	PUNCT
faba-237	311	7	rosnidah	rosnidah	PROPN
faba-237	311	8	,	,	PUNCT
faba-237	311	9	i.	i.	PROPN
faba-237	311	10	,	,	PUNCT
faba-237	311	11	a.	a.	PROPN
faba-237	311	12	muna	muna	PROPN
faba-237	311	13	,	,	PUNCT
faba-237	311	14	a.	a.	PROPN
faba-237	311	15	m.	m.	PROPN
faba-237	311	16	musyaffi	musyaffi	PROPN
faba-237	311	17	,	,	PUNCT
faba-237	311	18	and	and	CCONJ
faba-237	311	19	n.	n.	PROPN
faba-237	311	20	f.	f.	PROPN
faba-237	311	21	siregar	siregar	NOUN
faba-237	311	22	.	.	PUNCT
faba-237	312	1	2019	2019	NUM
faba-237	312	2	.	.	PUNCT
faba-237	313	1	'	'	PUNCT
faba-237	313	2	critical	critical	ADJ
faba-237	313	3	factor	factor	NOUN
faba-237	313	4	of	of	ADP
faba-237	313	5	mobile	mobile	ADJ
faba-237	313	6	payment	payment	NOUN
faba-237	313	7	acceptance	acceptance	NOUN
faba-237	313	8	in	in	ADP
faba-237	313	9	millenial	millenial	ADJ
faba-237	313	10	generation	generation	NOUN
faba-237	313	11	:	:	PUNCT
faba-237	313	12	study	study	NOUN
faba-237	313	13	on	on	ADP
faba-237	313	14	the	the	DET
faba-237	313	15	utaut	utaut	PROPN
faba-237	313	16	model	model	NOUN
faba-237	313	17	'	'	PUNCT
faba-237	313	18	.	.	PUNCT
faba-237	314	1	in	in	ADP
faba-237	314	2	proceedings	proceeding	NOUN
faba-237	314	3	of	of	ADP
faba-237	314	4	the	the	DET
faba-237	314	5	international	international	ADJ
faba-237	314	6	symposium	symposium	NOUN
faba-237	314	7	on	on	ADP
faba-237	314	8	social	social	ADJ
faba-237	314	9	sciences	science	NOUN
faba-237	314	10	,	,	PUNCT
faba-237	314	11	education	education	NOUN
faba-237	314	12	,	,	PUNCT
faba-237	314	13	and	and	CCONJ
faba-237	314	14	humanities	humanity	NOUN
faba-237	314	15	.	.	PUNCT
faba-237	315	1	shrestha	shrestha	PROPN
faba-237	315	2	,	,	PUNCT
faba-237	315	3	n.	n.	PROPN
faba-237	315	4	2020	2020	NUM
faba-237	315	5	.	.	PUNCT
faba-237	316	1	detecting	detect	VERB
faba-237	316	2	multicollinearity	multicollinearity	NOUN
faba-237	316	3	in	in	ADP
faba-237	316	4	regression	regression	NOUN
faba-237	316	5	analysis	analysis	NOUN
faba-237	316	6	.	.	PUNCT
faba-237	317	1	american	american	ADJ
faba-237	317	2	journal	journal	PROPN
faba-237	317	3	of	of	ADP
faba-237	317	4	applied	apply	VERB
faba-237	317	5	mathematics	mathematic	NOUN
faba-237	317	6	and	and	CCONJ
faba-237	317	7	statistics	statistic	NOUN
faba-237	317	8	,	,	PUNCT
faba-237	317	9	8(2	8(2	NUM
faba-237	317	10	):	):	PUNCT
faba-237	317	11	39–42	39–42	NUM
faba-237	317	12	.	.	PUNCT
faba-237	318	1	https://doi.org/10.12691/ajams-8-2-1	https://doi.org/10.12691/ajams-8-2-1	PROPN
faba-237	318	2	taber	taber	PROPN
faba-237	318	3	,	,	PUNCT
faba-237	318	4	k.	k.	PROPN
faba-237	318	5	s.	s.	PROPN
faba-237	318	6	2018	2018	NUM
faba-237	318	7	.	.	PUNCT
faba-237	319	1	the	the	DET
faba-237	319	2	use	use	NOUN
faba-237	319	3	of	of	ADP
faba-237	319	4	cronbach	cronbach	NOUN
faba-237	319	5	’s	’s	PART
faba-237	319	6	alpha	alpha	NOUN
faba-237	319	7	when	when	SCONJ
faba-237	319	8	developing	develop	VERB
faba-237	319	9	and	and	CCONJ
faba-237	319	10	reporting	report	VERB
faba-237	319	11	research	research	NOUN
faba-237	319	12	instruments	instrument	NOUN
faba-237	319	13	in	in	ADP
faba-237	319	14	science	science	NOUN
faba-237	319	15	education	education	NOUN
faba-237	319	16	.	.	PUNCT
faba-237	320	1	research	research	NOUN
faba-237	320	2	in	in	ADP
faba-237	320	3	science	science	NOUN
faba-237	320	4	education	education	NOUN
faba-237	320	5	,	,	PUNCT
faba-237	320	6	48(6	48(6	NOUN
faba-237	320	7	):	):	PUNCT
faba-237	320	8	1273–1296	1273–1296	NUM
faba-237	320	9	.	.	PUNCT
faba-237	320	10	https://doi.org/10.1007/s11165-016-9602-2	https://doi.org/10.1007/s11165-016-9602-2	NUM
faba-237	320	11	tarhini	tarhini	NOUN
faba-237	320	12	,	,	PUNCT
faba-237	320	13	a.	a.	NOUN
faba-237	320	14	,	,	PUNCT
faba-237	320	15	m.	m.	PROPN
faba-237	320	16	el	el	PROPN
faba-237	320	17	-	-	PROPN
faba-237	320	18	masri	masri	PROPN
faba-237	320	19	,	,	PUNCT
faba-237	320	20	m.	m.	PROPN
faba-237	320	21	ali	ali	PROPN
faba-237	320	22	,	,	PUNCT
faba-237	320	23	and	and	CCONJ
faba-237	320	24	a.	a.	NOUN
faba-237	320	25	serrano	serrano	PROPN
faba-237	320	26	.	.	PUNCT
faba-237	321	1	2016	2016	NUM
faba-237	321	2	.	.	PUNCT
faba-237	322	1	extending	extend	VERB
faba-237	322	2	the	the	DET
faba-237	322	3	utaut	utaut	PROPN
faba-237	322	4	model	model	NOUN
faba-237	322	5	to	to	PART
faba-237	322	6	understand	understand	VERB
faba-237	322	7	the	the	DET
faba-237	322	8	customers	customer	NOUN
faba-237	322	9	’	’	PART
faba-237	322	10	acceptance	acceptance	NOUN
faba-237	322	11	and	and	CCONJ
faba-237	322	12	use	use	NOUN
faba-237	322	13	of	of	ADP
faba-237	322	14	internet	internet	NOUN
faba-237	322	15	banking	banking	NOUN
faba-237	322	16	in	in	ADP
faba-237	322	17	lebanon	lebanon	PROPN
faba-237	322	18	a	a	DET
faba-237	322	19	structural	structural	ADJ
faba-237	322	20	equation	equation	NOUN
faba-237	322	21	modeling	modeling	NOUN
faba-237	322	22	approach	approach	NOUN
faba-237	322	23	.	.	PUNCT
faba-237	323	1	information	information	NOUN
faba-237	323	2	technology	technology	NOUN
faba-237	323	3	and	and	CCONJ
faba-237	323	4	people	people	NOUN
faba-237	323	5	,	,	PUNCT
faba-237	323	6	29(4	29(4	NOUN
faba-237	323	7	):	):	PUNCT
faba-237	323	8	830–849	830–849	NUM
faba-237	323	9	.	.	PUNCT
faba-237	324	1	https://doi.org/10.1108/itp-02-20140034	https://doi.org/10.1108/itp-02-20140034	PUNCT
faba-237	324	2	tun	tun	NOUN
faba-237	324	3	-	-	NOUN
faba-237	324	4	pin	pin	NOUN
faba-237	324	5	,	,	PUNCT
faba-237	324	6	c.	c.	PROPN
faba-237	324	7	,	,	PUNCT
faba-237	324	8	w.	w.	PROPN
faba-237	324	9	c.	c.	PROPN
faba-237	324	10	keng	keng	PROPN
faba-237	324	11	-	-	PUNCT
faba-237	324	12	soon	soon	ADV
faba-237	324	13	,	,	PUNCT
faba-237	324	14	y.	y.	PROPN
faba-237	324	15	yen	yen	PROPN
faba-237	324	16	-	-	PUNCT
faba-237	324	17	san	san	PROPN
faba-237	324	18	,	,	PUNCT
faba-237	324	19	c.	c.	PROPN
faba-237	324	20	pui	pui	PROPN
faba-237	324	21	-	-	PUNCT
faba-237	324	22	yee	yee	PROPN
faba-237	324	23	,	,	PUNCT
faba-237	324	24	j.	j.	PROPN
faba-237	324	25	t.	t.	PROPN
faba-237	324	26	hong	hong	PROPN
faba-237	324	27	-	-	PUNCT
faba-237	324	28	leong	leong	PROPN
faba-237	324	29	,	,	PUNCT
faba-237	324	30	and	and	CCONJ
faba-237	324	31	n.	n.	PROPN
faba-237	324	32	shwu	shwu	PROPN
faba-237	324	33	-	-	PUNCT
faba-237	324	34	shing	she	VERB
faba-237	324	35	.	.	PUNCT
faba-237	325	1	2019	2019	NUM
faba-237	325	2	.	.	PUNCT
faba-237	326	1	an	an	DET
faba-237	326	2	adoption	adoption	NOUN
faba-237	326	3	of	of	ADP
faba-237	326	4	fintech	fintech	NOUN
faba-237	326	5	service	service	NOUN
faba-237	326	6	in	in	ADP
faba-237	326	7	malaysia	malaysia	PROPN
faba-237	326	8	.	.	PUNCT
faba-237	327	1	south	south	PROPN
faba-237	327	2	east	east	PROPN
faba-237	327	3	asia	asia	PROPN
faba-237	327	4	journal	journal	PROPN
faba-237	327	5	of	of	ADP
faba-237	327	6	contemporary	contemporary	PROPN
faba-237	327	7	business	business	NOUN
faba-237	327	8	,	,	PUNCT
faba-237	327	9	economics	economic	NOUN
faba-237	327	10	and	and	CCONJ
faba-237	327	11	law	law	NOUN
faba-237	327	12	,	,	PUNCT
faba-237	327	13	18(5	18(5	NUM
faba-237	327	14	):	):	PUNCT
faba-237	327	15	73–92	73–92	NUM
faba-237	327	16	.	.	PUNCT
faba-237	328	1	united	united	PROPN
faba-237	328	2	nations	nations	PROPN
faba-237	328	3	development	development	PROPN
faba-237	328	4	programme	programme	PROPN
faba-237	328	5	malawi	malawi	PROPN
faba-237	328	6	.	.	PUNCT
faba-237	329	1	2023	2023	NUM
faba-237	329	2	.	.	PUNCT
faba-237	330	1	advancing	advance	VERB
faba-237	330	2	financial	financial	ADJ
faba-237	330	3	inclusion	inclusion	NOUN
faba-237	330	4	in	in	ADP
faba-237	330	5	malawi	malawi	PROPN
faba-237	330	6	through	through	ADP
faba-237	330	7	fin	fin	NOUN
faba-237	330	8	mobile	mobile	NOUN
faba-237	330	9	.	.	PUNCT
faba-237	331	1	available	available	ADJ
faba-237	331	2	at	at	ADP
faba-237	331	3	:	:	PUNCT
faba-237	331	4	https://www.undp.org/malawi/news/advancing-financial-inclusion-malawithrough-fin-mobile	https://www.undp.org/malawi/news/advancing-financial-inclusion-malawithrough-fin-mobile	NUM
faba-237	331	5	.	.	PUNCT
faba-237	332	1	[	[	X
faba-237	332	2	accessed	access	VERB
faba-237	332	3	6th	6th	ADJ
faba-237	332	4	october	october	NOUN
faba-237	332	5	2024	2024	NUM
faba-237	332	6	]	]	PUNCT
faba-237	332	7	venkatesh	venkatesh	PROPN
faba-237	332	8	,	,	PUNCT
faba-237	332	9	v.	v.	PROPN
faba-237	332	10	,	,	PUNCT
faba-237	332	11	m.	m.	NOUN
faba-237	332	12	g.	g.	PROPN
faba-237	332	13	morris	morris	PROPN
faba-237	332	14	,	,	PUNCT
faba-237	332	15	g.	g.	PROPN
faba-237	332	16	b.	b.	PROPN
faba-237	332	17	davis	davis	PROPN
faba-237	332	18	,	,	PUNCT
faba-237	332	19	and	and	CCONJ
faba-237	332	20	f.	f.	PROPN
faba-237	332	21	d.	d.	PROPN
faba-237	332	22	davis	davis	PROPN
faba-237	332	23	.	.	PUNCT
faba-237	333	1	2003	2003	NUM
faba-237	333	2	.	.	PUNCT
faba-237	334	1	user	user	NOUN
faba-237	334	2	acceptance	acceptance	NOUN
faba-237	334	3	of	of	ADP
faba-237	334	4	information	information	NOUN
faba-237	334	5	technology	technology	NOUN
faba-237	334	6	:	:	PUNCT
faba-237	334	7	toward	toward	ADP
faba-237	334	8	a	a	DET
faba-237	334	9	unified	unified	ADJ
faba-237	334	10	view	view	NOUN
faba-237	334	11	.	.	PUNCT
faba-237	335	1	mis	mis	PROPN
faba-237	335	2	quarterly	quarterly	PROPN
faba-237	335	3	:	:	PUNCT
faba-237	335	4	management	management	NOUN
faba-237	335	5	information	information	NOUN
faba-237	335	6	.	.	PUNCT
faba-237	336	1	mis	mis	PROPN
faba-237	336	2	quarterly	quarterly	PROPN
faba-237	336	3	:	:	PUNCT
faba-237	336	4	management	management	NOUN
faba-237	336	5	information	information	NOUN
faba-237	336	6	systems	system	NOUN
faba-237	336	7	,	,	PUNCT
faba-237	336	8	27(3	27(3	NUM
faba-237	336	9	):	):	PUNCT
faba-237	336	10	425–478	425–478	NUM
faba-237	336	11	.	.	PUNCT
faba-237	336	12	https://doi.org/10.2307/30036540	https://doi.org/10.2307/30036540	PROPN
faba-237	337	1	venkatesh	venkatesh	PROPN
faba-237	337	2	,	,	PUNCT
faba-237	337	3	v.	v.	PROPN
faba-237	337	4	,	,	PUNCT
faba-237	337	5	j.	j.	PROPN
faba-237	337	6	y.	y.	PROPN
faba-237	337	7	l.	l.	PROPN
faba-237	337	8	thong	thong	PROPN
faba-237	337	9	,	,	PUNCT
faba-237	337	10	and	and	CCONJ
faba-237	337	11	x.	x.	PROPN
faba-237	337	12	xu	xu	PROPN
faba-237	337	13	.	.	PUNCT
faba-237	337	14	2012	2012	NUM
faba-237	337	15	.	.	PUNCT
faba-237	338	1	consumer	consumer	NOUN
faba-237	338	2	acceptance	acceptance	NOUN
faba-237	338	3	and	and	CCONJ
faba-237	338	4	use	use	NOUN
faba-237	338	5	of	of	ADP
faba-237	338	6	information	information	NOUN
faba-237	338	7	technology	technology	NOUN
faba-237	338	8	:	:	PUNCT
faba-237	338	9	extending	extend	VERB
faba-237	338	10	the	the	DET
faba-237	338	11	unified	unified	ADJ
faba-237	338	12	theory	theory	NOUN
faba-237	338	13	of	of	ADP
faba-237	338	14	acceptance	acceptance	NOUN
faba-237	338	15	and	and	CCONJ
faba-237	338	16	use	use	NOUN
faba-237	338	17	of	of	ADP
faba-237	338	18	technology	technology	NOUN
faba-237	338	19	.	.	PUNCT
faba-237	339	1	mis	mis	PROPN
faba-237	339	2	quarterly	quarterly	PROPN
faba-237	339	3	,	,	PUNCT
faba-237	339	4	36(1	36(1	NUM
faba-237	339	5	):	):	PUNCT
faba-237	339	6	157	157	NUM
faba-237	339	7	–	–	SYM
faba-237	339	8	178	178	NUM
faba-237	339	9	.	.	PUNCT
faba-237	340	1	https://doi.org/10.2307/41410412	https://doi.org/10.2307/41410412	ADJ
faba-237	340	2	world	world	PROPN
faba-237	340	3	bank	bank	PROPN
faba-237	340	4	.	.	PUNCT
faba-237	340	5	2021	2021	NUM
faba-237	340	6	.	.	PUNCT
faba-237	341	1	investing	invest	VERB
faba-237	341	2	in	in	ADP
faba-237	341	3	digital	digital	ADJ
faba-237	341	4	transformation	transformation	NOUN
faba-237	341	5	.	.	PUNCT
faba-237	342	1	in	in	ADP
faba-237	342	2	malawi	malawi	PROPN
faba-237	342	3	economic	economic	PROPN
faba-237	342	4	.	.	PUNCT
faba-237	343	1	available	available	ADJ
faba-237	343	2	at	at	ADP
faba-237	343	3	:	:	PUNCT
faba-237	343	4	www.worldbank.org/mw	www.worldbank.org/mw	NOUN
faba-237	343	5	.	.	PUNCT
faba-237	344	1	[	[	X
faba-237	344	2	accessed	access	VERB
faba-237	344	3	6th	6th	ADJ
faba-237	344	4	october	october	NOUN
faba-237	344	5	2024	2024	NUM
faba-237	344	6	]	]	PUNCT
faba-237	344	7	reuben	reuben	PROPN
faba-237	344	8	b.	b.	PROPN
faba-237	344	9	chipeta	chipeta	PROPN
faba-237	344	10	,	,	PUNCT
faba-237	344	11	andrew	andrew	PROPN
faba-237	344	12	m.	m.	PROPN
faba-237	344	13	lipunga	lipunga	PROPN
faba-237	344	14	/	/	SYM
faba-237	344	15	finance	finance	NOUN
faba-237	344	16	,	,	PUNCT
faba-237	344	17	accounting	accounting	NOUN
faba-237	344	18	and	and	CCONJ
faba-237	344	19	business	business	NOUN
faba-237	344	20	analysis	analysis	NOUN
faba-237	344	21	,	,	PUNCT
faba-237	344	22	volume	volume	NOUN
faba-237	344	23	7	7	NUM
faba-237	344	24	,	,	PUNCT
faba-237	344	25	issue	issue	NOUN
faba-237	344	26	1	1	NUM
faba-237	344	27	,	,	PUNCT
faba-237	344	28	2025	2025	NUM
faba-237	344	29	10	10	NUM
faba-237	344	30	world	world	NOUN
faba-237	344	31	economic	economic	PROPN
faba-237	344	32	forum	forum	PROPN
faba-237	344	33	.	.	PUNCT
faba-237	345	1	2020	2020	NUM
faba-237	345	2	.	.	PUNCT
faba-237	346	1	why	why	SCONJ
faba-237	346	2	digital	digital	ADJ
faba-237	346	3	business	business	NOUN
faba-237	346	4	models	model	NOUN
faba-237	346	5	matter	matter	VERB
faba-237	346	6	.	.	PUNCT
faba-237	347	1	available	available	ADJ
faba-237	347	2	at	at	ADP
faba-237	347	3	:	:	PUNCT
faba-237	347	4	https://widgets.weforum.org/digital-readiness-assessment/.	https://widgets.weforum.org/digital-readiness-assessment/.	NOUN
faba-237	348	1	[	[	X
faba-237	348	2	accessed	access	VERB
faba-237	348	3	6th	6th	ADJ
faba-237	348	4	october	october	NOUN
faba-237	348	5	2024	2024	NUM
faba-237	348	6	]	]	PUNCT
faba-237	348	7	zakariyah	zakariyah	PROPN
faba-237	348	8	,	,	PUNCT
faba-237	348	9	h.	h.	PROPN
faba-237	348	10	,	,	PUNCT
faba-237	348	11	a.	a.	PROPN
faba-237	348	12	o.	o.	PROPN
faba-237	348	13	salaudeen	salaudeen	PROPN
faba-237	348	14	,	,	PUNCT
faba-237	348	15	a.	a.	PROPN
faba-237	348	16	h.	h.	PROPN
faba-237	348	17	a.	a.	PROPN
faba-237	348	18	othman	othman	PROPN
faba-237	348	19	,	,	PUNCT
faba-237	348	20	and	and	CCONJ
faba-237	348	21	r.	r.	PROPN
faba-237	348	22	rosman	rosman	PROPN
faba-237	348	23	.	.	PUNCT
faba-237	349	1	2023	2023	NUM
faba-237	349	2	.	.	PUNCT
faba-237	350	1	the	the	DET
faba-237	350	2	determinants	determinant	NOUN
faba-237	350	3	of	of	ADP
faba-237	350	4	financial	financial	ADJ
faba-237	350	5	technology	technology	NOUN
faba-237	350	6	adoption	adoption	NOUN
faba-237	350	7	amongst	amongst	ADP
faba-237	350	8	malaysian	malaysian	ADJ
faba-237	350	9	waqf	waqf	ADJ
faba-237	350	10	institutions	institution	NOUN
faba-237	350	11	.	.	PUNCT
faba-237	351	1	international	international	ADJ
faba-237	351	2	journal	journal	NOUN
faba-237	351	3	of	of	ADP
faba-237	351	4	social	social	ADJ
faba-237	351	5	economics	economic	NOUN
faba-237	351	6	,	,	PUNCT
faba-237	351	7	50(9	50(9	NUM
faba-237	351	8	):	):	PUNCT
faba-237	351	9	1302	1302	NUM
faba-237	351	10	-	-	SYM
faba-237	351	11	1322	1322	NUM
faba-237	351	12	.	.	PUNCT
faba-237	352	1	https://doi.org/10.1108/ijse-04-2022-0264	https://doi.org/10.1108/ijse-04-2022-0264	NOUN
faba-237	352	2	reuben	reuben	PROPN
faba-237	352	3	b.	b.	PROPN
faba-237	352	4	chipeta	chipeta	PROPN
faba-237	352	5	,	,	PUNCT
faba-237	352	6	andrew	andrew	PROPN
faba-237	352	7	m.	m.	PROPN
faba-237	352	8	lipunga	lipunga	PROPN
faba-237	352	9	/	/	SYM
faba-237	352	10	finance	finance	NOUN
faba-237	352	11	,	,	PUNCT
faba-237	352	12	accounting	accounting	NOUN
faba-237	352	13	and	and	CCONJ
faba-237	352	14	business	business	NOUN
faba-237	352	15	analysis	analysis	NOUN
faba-237	352	16	,	,	PUNCT
faba-237	352	17	volume	volume	NOUN
faba-237	352	18	7	7	NUM
faba-237	352	19	,	,	PUNCT
faba-237	352	20	issue	issue	NOUN
faba-237	352	21	1	1	NUM
faba-237	352	22	,	,	PUNCT
faba-237	352	23	2025	2025	NUM
faba-237	352	24	11	11	NUM
faba-237	352	25	appendix	appendix	NOUN
faba-237	352	26	:	:	PUNCT
faba-237	352	27	questionnaire	questionnaire	NOUN
faba-237	352	28	section	section	NOUN
faba-237	352	29	a	a	DET
faba-237	352	30	:	:	PUNCT
faba-237	352	31	fintech	fintech	NOUN
faba-237	352	32	products	product	NOUN
faba-237	352	33	/	/	SYM
faba-237	352	34	services	service	NOUN
faba-237	352	35	in	in	ADP
faba-237	352	36	use	use	NOUN
faba-237	352	37	(	(	PUNCT
faba-237	352	38	please	please	INTJ
faba-237	352	39	tick	tick	VERB
faba-237	352	40	the	the	DET
faba-237	352	41	relevant	relevant	ADJ
faba-237	352	42	box	box	NOUN
faba-237	352	43	according	accord	VERB
faba-237	352	44	to	to	ADP
faba-237	352	45	your	your	PRON
faba-237	352	46	choice	choice	NOUN
faba-237	352	47	)	)	PUNCT
faba-237	352	48	which	which	DET
faba-237	352	49	fintech	fintech	NOUN
faba-237	352	50	products	product	NOUN
faba-237	352	51	/	/	SYM
faba-237	352	52	services	service	NOUN
faba-237	352	53	do	do	AUX
faba-237	352	54	you	you	PRON
faba-237	352	55	use?(vasenska	use?(vasenska	VERB
faba-237	352	56	et	et	PROPN
faba-237	352	57	al	al	PROPN
faba-237	352	58	.	.	PROPN
faba-237	352	59	2021	2021	NUM
faba-237	352	60	)	)	PUNCT
faba-237	352	61	i.	i.	PROPN
faba-237	352	62	mpamba	mpamba	PROPN
faba-237	352	63	□	□	PUNCT
faba-237	352	64	ii	ii	PROPN
faba-237	352	65	.	.	PUNCT
faba-237	352	66	airtel	airtel	NOUN
faba-237	352	67	-	-	PUNCT
faba-237	352	68	money	money	NOUN
faba-237	352	69	□	□	PUNCT
faba-237	352	70	iii	iii	X
faba-237	352	71	.	.	PUNCT
faba-237	352	72	electronic	electronic	ADJ
faba-237	352	73	banking	banking	NOUN
faba-237	352	74	.	.	PUNCT
faba-237	353	1	i.e.	i.e.	X
faba-237	353	2	,	,	PUNCT
faba-237	353	3	electronic	electronic	ADJ
faba-237	353	4	funds	fund	NOUN
faba-237	353	5	transfer	transfer	NOUN
faba-237	353	6	,	,	PUNCT
faba-237	353	7	online	online	ADJ
faba-237	353	8	account	account	NOUN
faba-237	353	9	access	access	NOUN
faba-237	353	10	□	□	PUNCT
faba-237	353	11	iv	iv	X
faba-237	353	12	.	.	PUNCT
faba-237	353	13	digital	digital	ADJ
faba-237	353	14	loan	loan	NOUN
faba-237	353	15	application	application	NOUN
faba-237	353	16	and	and	CCONJ
faba-237	353	17	approval	approval	NOUN
faba-237	353	18	□	□	PUNCT
faba-237	353	19	v.	v.	CCONJ
faba-237	353	20	others	other	NOUN
faba-237	353	21	(	(	PUNCT
faba-237	353	22	please	please	INTJ
faba-237	353	23	specify	specify	VERB
faba-237	353	24	):	):	PUNCT
faba-237	353	25	…	…	PUNCT
faba-237	353	26	…	…	PUNCT
faba-237	353	27	…	…	PUNCT
faba-237	353	28	…	…	PUNCT
faba-237	353	29	…	…	PUNCT
faba-237	353	30	…	…	PUNCT
faba-237	353	31	…	…	PUNCT
faba-237	353	32	…	…	PUNCT
faba-237	353	33	…	…	PUNCT
faba-237	353	34	…	…	PUNCT
faba-237	353	35	……	……	NOUN
faba-237	353	36	……	……	NOUN
faba-237	353	37	……	……	NOUN
faba-237	353	38	……	……	NOUN
faba-237	353	39	……	……	NOUN
faba-237	353	40	……	……	NOUN
faba-237	353	41	……	……	NOUN
faba-237	353	42	……	……	NOUN
faba-237	353	43	vi	vi	X
faba-237	353	44	.	.	PUNCT
faba-237	354	1	we	we	PRON
faba-237	354	2	do	do	AUX
faba-237	354	3	not	not	PART
faba-237	354	4	use	use	VERB
faba-237	354	5	any	any	DET
faba-237	354	6	□	□	PUNCT
faba-237	354	7	section	section	NOUN
faba-237	354	8	b	b	NOUN
faba-237	354	9	:	:	PUNCT
faba-237	354	10	measuring	measure	VERB
faba-237	354	11	constructs	construct	NOUN
faba-237	354	12	(	(	PUNCT
faba-237	354	13	please	please	INTJ
faba-237	354	14	tick	tick	VERB
faba-237	354	15	the	the	DET
faba-237	354	16	relevant	relevant	ADJ
faba-237	354	17	box	box	NOUN
faba-237	354	18	according	accord	VERB
faba-237	354	19	to	to	ADP
faba-237	354	20	your	your	PRON
faba-237	354	21	choice	choice	NOUN
faba-237	354	22	)	)	PUNCT
faba-237	354	23	expected	expect	VERB
faba-237	354	24	effort	effort	NOUN
faba-237	354	25	1	1	X
faba-237	354	26	.	.	PUNCT
faba-237	355	1	it	it	PRON
faba-237	355	2	is	be	AUX
faba-237	355	3	easy	easy	ADJ
faba-237	355	4	to	to	PART
faba-237	355	5	understand	understand	VERB
faba-237	355	6	the	the	DET
faba-237	355	7	operation	operation	NOUN
faba-237	355	8	of	of	ADP
faba-237	355	9	fintech	fintech	NOUN
faba-237	355	10	services	service	NOUN
faba-237	355	11	/	/	SYM
faba-237	355	12	products	product	NOUN
faba-237	355	13	(	(	PUNCT
faba-237	355	14	hassan	hassan	PROPN
faba-237	355	15	et	et	PROPN
faba-237	355	16	al	al	PROPN
faba-237	355	17	.	.	PROPN
faba-237	355	18	2022	2022	NUM
faba-237	355	19	)	)	PUNCT
faba-237	355	20	i.	i.	NOUN
faba-237	355	21	strongly	strongly	ADV
faba-237	355	22	agree	agree	VERB
faba-237	355	23	□	□	PUNCT
faba-237	355	24	ii	ii	PROPN
faba-237	355	25	.	.	PUNCT
faba-237	356	1	agree	agree	VERB
faba-237	356	2	□	□	PUNCT
faba-237	356	3	iii	iii	X
faba-237	356	4	.	.	NOUN
faba-237	356	5	neutral	neutral	PROPN
faba-237	356	6	□	□	PUNCT
faba-237	356	7	iv	iv	X
faba-237	356	8	.	.	PUNCT
faba-237	356	9	disagree	disagree	VERB
faba-237	356	10	□	□	PUNCT
faba-237	356	11	v.	v.	CCONJ
faba-237	356	12	strongly	strongly	ADV
faba-237	356	13	disagree	disagree	VERB
faba-237	356	14	□	□	PUNCT
faba-237	356	15	2	2	NUM
faba-237	356	16	.	.	PUNCT
faba-237	357	1	the	the	DET
faba-237	357	2	operation	operation	NOUN
faba-237	357	3	interface	interface	NOUN
faba-237	357	4	of	of	ADP
faba-237	357	5	fintech	fintech	NOUN
faba-237	357	6	services	service	NOUN
faba-237	357	7	or	or	CCONJ
faba-237	357	8	products	product	NOUN
faba-237	357	9	is	be	AUX
faba-237	357	10	user	user	NOUN
faba-237	357	11	-	-	PUNCT
faba-237	357	12	friendly	friendly	ADJ
faba-237	357	13	(	(	PUNCT
faba-237	357	14	hassan	hassan	PROPN
faba-237	357	15	et	et	PROPN
faba-237	357	16	al	al	PROPN
faba-237	357	17	.	.	PROPN
faba-237	357	18	2022	2022	NUM
faba-237	357	19	)	)	PUNCT
faba-237	357	20	.	.	PUNCT
faba-237	358	1	i.	i.	PROPN
faba-237	358	2	strongly	strongly	ADV
faba-237	358	3	agree	agree	VERB
faba-237	358	4	□	□	PUNCT
faba-237	358	5	ii	ii	PROPN
faba-237	358	6	.	.	PUNCT
faba-237	358	7	agree	agree	VERB
faba-237	358	8	□	□	PUNCT
faba-237	358	9	iii	iii	X
faba-237	358	10	.	.	NOUN
faba-237	358	11	neutral	neutral	PROPN
faba-237	358	12	□	□	PUNCT
faba-237	358	13	iv	iv	X
faba-237	358	14	.	.	PUNCT
faba-237	358	15	disagree	disagree	VERB
faba-237	358	16	□	□	PUNCT
faba-237	358	17	v.	v.	CCONJ
faba-237	358	18	strongly	strongly	ADV
faba-237	358	19	disagree	disagree	VERB
faba-237	358	20	□	□	SYM
faba-237	358	21	3	3	X
faba-237	358	22	.	.	PUNCT
faba-237	358	23	conducting	conduct	VERB
faba-237	358	24	transactions	transaction	NOUN
faba-237	358	25	through	through	ADP
faba-237	358	26	fintech	fintech	NOUN
faba-237	358	27	products	product	NOUN
faba-237	358	28	or	or	CCONJ
faba-237	358	29	services	service	NOUN
faba-237	358	30	is	be	AUX
faba-237	358	31	convenient	convenient	ADJ
faba-237	358	32	(	(	PUNCT
faba-237	358	33	hassan	hassan	PROPN
faba-237	358	34	et	et	PROPN
faba-237	358	35	al	al	PROPN
faba-237	358	36	.	.	PROPN
faba-237	358	37	2022	2022	NUM
faba-237	358	38	)	)	PUNCT
faba-237	358	39	.	.	PUNCT
faba-237	359	1	i.	i.	PROPN
faba-237	359	2	strongly	strongly	ADV
faba-237	359	3	agree	agree	VERB
faba-237	359	4	□	□	PUNCT
faba-237	359	5	ii	ii	PROPN
faba-237	359	6	.	.	PUNCT
faba-237	359	7	agree	agree	VERB
faba-237	359	8	□	□	PUNCT
faba-237	359	9	iii	iii	X
faba-237	359	10	.	.	NOUN
faba-237	359	11	neutral	neutral	PROPN
faba-237	359	12	□	□	PUNCT
faba-237	359	13	iv	iv	X
faba-237	359	14	.	.	PUNCT
faba-237	359	15	disagree	disagree	VERB
faba-237	359	16	□	□	PUNCT
faba-237	359	17	v.	v.	CCONJ
faba-237	359	18	strongly	strongly	ADV
faba-237	359	19	disagree	disagree	VERB
faba-237	359	20	□	□	PUNCT
faba-237	359	21	4	4	NUM
faba-237	359	22	.	.	X
faba-237	360	1	there	there	PRON
faba-237	360	2	are	be	VERB
faba-237	360	3	no	no	DET
faba-237	360	4	doubts	doubt	NOUN
faba-237	360	5	about	about	ADP
faba-237	360	6	what	what	PRON
faba-237	360	7	is	be	AUX
faba-237	360	8	being	be	AUX
faba-237	360	9	done	do	VERB
faba-237	360	10	when	when	SCONJ
faba-237	360	11	using	use	VERB
faba-237	360	12	fintech	fintech	NOUN
faba-237	360	13	products	product	NOUN
faba-237	360	14	or	or	CCONJ
faba-237	360	15	services	service	NOUN
faba-237	360	16	(	(	PUNCT
faba-237	360	17	oliveira	oliveira	PROPN
faba-237	360	18	et	et	PROPN
faba-237	360	19	al	al	PROPN
faba-237	360	20	.	.	PROPN
faba-237	360	21	2014	2014	NUM
faba-237	360	22	)	)	PUNCT
faba-237	360	23	i.	i.	PROPN
faba-237	360	24	strongly	strongly	ADV
faba-237	360	25	agree	agree	VERB
faba-237	360	26	□	□	PUNCT
faba-237	360	27	ii	ii	PROPN
faba-237	360	28	.	.	PUNCT
faba-237	360	29	agree	agree	VERB
faba-237	360	30	□	□	PUNCT
faba-237	360	31	iii	iii	X
faba-237	360	32	.	.	NOUN
faba-237	360	33	neutral	neutral	ADJ
faba-237	360	34	□	□	PUNCT
faba-237	360	35	reuben	reuben	PROPN
faba-237	360	36	b.	b.	PROPN
faba-237	360	37	chipeta	chipeta	PROPN
faba-237	360	38	,	,	PUNCT
faba-237	360	39	andrew	andrew	PROPN
faba-237	360	40	m.	m.	PROPN
faba-237	360	41	lipunga	lipunga	PROPN
faba-237	360	42	/	/	SYM
faba-237	360	43	finance	finance	NOUN
faba-237	360	44	,	,	PUNCT
faba-237	360	45	accounting	accounting	NOUN
faba-237	360	46	and	and	CCONJ
faba-237	360	47	business	business	NOUN
faba-237	360	48	analysis	analysis	NOUN
faba-237	360	49	,	,	PUNCT
faba-237	360	50	volume	volume	NOUN
faba-237	360	51	7	7	NUM
faba-237	360	52	,	,	PUNCT
faba-237	360	53	issue	issue	NOUN
faba-237	360	54	1	1	NUM
faba-237	360	55	,	,	PUNCT
faba-237	360	56	2025	2025	NUM
faba-237	360	57	12	12	NUM
faba-237	360	58	iv	iv	NOUN
faba-237	360	59	.	.	PUNCT
faba-237	360	60	disagree	disagree	VERB
faba-237	360	61	□	□	PUNCT
faba-237	360	62	v.	v.	CCONJ
faba-237	360	63	strongly	strongly	ADV
faba-237	360	64	disagree	disagree	VERB
faba-237	360	65	□	□	PUNCT
faba-237	360	66	social	social	ADJ
faba-237	360	67	influence	influence	NOUN
faba-237	360	68	5	5	X
faba-237	360	69	.	.	PUNCT
faba-237	361	1	our	our	PRON
faba-237	361	2	members	member	NOUN
faba-237	361	3	want	want	VERB
faba-237	361	4	us	we	PRON
faba-237	361	5	to	to	PART
faba-237	361	6	use	use	VERB
faba-237	361	7	or	or	CCONJ
faba-237	361	8	adopt	adopt	VERB
faba-237	361	9	fintech	fintech	NOUN
faba-237	361	10	services	service	NOUN
faba-237	361	11	/	/	SYM
faba-237	361	12	products	product	NOUN
faba-237	361	13	(	(	PUNCT
faba-237	361	14	hassan	hassan	PROPN
faba-237	361	15	et	et	PROPN
faba-237	361	16	al	al	PROPN
faba-237	361	17	.	.	PROPN
faba-237	361	18	2022	2022	NUM
faba-237	361	19	)	)	PUNCT
faba-237	361	20	.	.	PUNCT
faba-237	362	1	i.	i.	PROPN
faba-237	362	2	strongly	strongly	ADV
faba-237	362	3	agree	agree	VERB
faba-237	362	4	□	□	PUNCT
faba-237	362	5	ii	ii	PROPN
faba-237	362	6	.	.	PUNCT
faba-237	362	7	agree	agree	VERB
faba-237	362	8	□	□	PUNCT
faba-237	362	9	iii	iii	X
faba-237	362	10	.	.	NOUN
faba-237	362	11	neutral	neutral	PROPN
faba-237	362	12	□	□	PUNCT
faba-237	362	13	iv	iv	X
faba-237	362	14	.	.	PUNCT
faba-237	362	15	disagree	disagree	VERB
faba-237	362	16	□	□	PUNCT
faba-237	362	17	v.	v.	CCONJ
faba-237	362	18	strongly	strongly	ADV
faba-237	362	19	disagree	disagree	VERB
faba-237	362	20	□	□	PUNCT
faba-237	362	21	6	6	NUM
faba-237	362	22	.	.	PUNCT
faba-237	363	1	our	our	PRON
faba-237	363	2	fellow	fellow	PROPN
faba-237	363	3	saccos	saccos	PROPN
faba-237	363	4	influence	influence	VERB
faba-237	363	5	us	we	PRON
faba-237	363	6	to	to	PART
faba-237	363	7	adopt	adopt	VERB
faba-237	363	8	and	and	CCONJ
faba-237	363	9	use	use	VERB
faba-237	363	10	fintech	fintech	NOUN
faba-237	363	11	services	service	NOUN
faba-237	363	12	/	/	SYM
faba-237	363	13	products	product	NOUN
faba-237	363	14	(	(	PUNCT
faba-237	363	15	hassan	hassan	PROPN
faba-237	363	16	et	et	PROPN
faba-237	363	17	al	al	PROPN
faba-237	363	18	.	.	PROPN
faba-237	363	19	2022	2022	NUM
faba-237	363	20	)	)	PUNCT
faba-237	363	21	.	.	PUNCT
faba-237	364	1	i.	i.	PROPN
faba-237	364	2	strongly	strongly	ADV
faba-237	364	3	agree	agree	VERB
faba-237	364	4	□	□	PUNCT
faba-237	364	5	ii	ii	PROPN
faba-237	364	6	.	.	PUNCT
faba-237	364	7	agree	agree	VERB
faba-237	364	8	□	□	PUNCT
faba-237	364	9	iii	iii	X
faba-237	364	10	.	.	NOUN
faba-237	364	11	neutral	neutral	PROPN
faba-237	364	12	□	□	PUNCT
faba-237	364	13	iv	iv	X
faba-237	364	14	.	.	PUNCT
faba-237	364	15	disagree	disagree	VERB
faba-237	364	16	□	□	PUNCT
faba-237	364	17	v.	v.	CCONJ
faba-237	364	18	strongly	strongly	ADV
faba-237	364	19	disagree	disagree	VERB
faba-237	364	20	□	□	PUNCT
faba-237	364	21	7	7	X
faba-237	364	22	.	.	PUNCT
faba-237	365	1	our	our	PRON
faba-237	365	2	members	member	NOUN
faba-237	365	3	prefer	prefer	VERB
faba-237	365	4	that	that	SCONJ
faba-237	365	5	we	we	PRON
faba-237	365	6	should	should	AUX
faba-237	365	7	use	use	VERB
faba-237	365	8	or	or	CCONJ
faba-237	365	9	adopt	adopt	VERB
faba-237	365	10	fintech	fintech	NOUN
faba-237	365	11	services	service	NOUN
faba-237	365	12	/	/	SYM
faba-237	365	13	products	product	NOUN
faba-237	365	14	to	to	ADP
faba-237	365	15	traditional	traditional	ADJ
faba-237	365	16	banking	banking	NOUN
faba-237	365	17	methods	method	NOUN
faba-237	365	18	(	(	PUNCT
faba-237	365	19	hassan	hassan	PROPN
faba-237	365	20	et	et	PROPN
faba-237	365	21	al	al	PROPN
faba-237	365	22	.	.	PROPN
faba-237	365	23	2022	2022	NUM
faba-237	365	24	)	)	PUNCT
faba-237	365	25	.	.	PUNCT
faba-237	366	1	i.	i.	PROPN
faba-237	366	2	strongly	strongly	ADV
faba-237	366	3	agree	agree	VERB
faba-237	366	4	□	□	PUNCT
faba-237	366	5	ii	ii	PROPN
faba-237	366	6	.	.	PUNCT
faba-237	366	7	agree	agree	VERB
faba-237	366	8	□	□	PUNCT
faba-237	366	9	iii	iii	X
faba-237	366	10	.	.	NOUN
faba-237	366	11	neutral	neutral	PROPN
faba-237	366	12	□	□	PUNCT
faba-237	366	13	iv	iv	X
faba-237	366	14	.	.	PUNCT
faba-237	366	15	disagree	disagree	VERB
faba-237	366	16	□	□	PUNCT
faba-237	366	17	v.	v.	CCONJ
faba-237	366	18	strongly	strongly	ADV
faba-237	366	19	disagree	disagree	VERB
faba-237	366	20	□	□	PUNCT
faba-237	366	21	8	8	NUM
faba-237	366	22	.	.	PUNCT
faba-237	367	1	we	we	PRON
faba-237	367	2	find	find	VERB
faba-237	367	3	the	the	DET
faba-237	367	4	use	use	NOUN
faba-237	367	5	of	of	ADP
faba-237	367	6	fintech	fintech	NOUN
faba-237	367	7	products	product	NOUN
faba-237	367	8	or	or	CCONJ
faba-237	367	9	services	service	NOUN
faba-237	367	10	to	to	PART
faba-237	367	11	be	be	AUX
faba-237	367	12	fashionable	fashionable	ADJ
faba-237	367	13	(	(	PUNCT
faba-237	367	14	oliveira	oliveira	PROPN
faba-237	367	15	et	et	PROPN
faba-237	367	16	al	al	PROPN
faba-237	367	17	.	.	PROPN
faba-237	367	18	2014	2014	NUM
faba-237	367	19	)	)	PUNCT
faba-237	367	20	.	.	PUNCT
faba-237	368	1	i.	i.	PROPN
faba-237	368	2	strongly	strongly	ADV
faba-237	368	3	agree	agree	VERB
faba-237	368	4	□	□	PUNCT
faba-237	368	5	ii	ii	PROPN
faba-237	368	6	.	.	PUNCT
faba-237	368	7	agree	agree	VERB
faba-237	368	8	□	□	PUNCT
faba-237	368	9	iii	iii	X
faba-237	368	10	.	.	NOUN
faba-237	368	11	neutral	neutral	PROPN
faba-237	368	12	□	□	PUNCT
faba-237	368	13	iv	iv	X
faba-237	368	14	.	.	PUNCT
faba-237	368	15	disagree	disagree	VERB
faba-237	368	16	□	□	PUNCT
faba-237	368	17	v.	v.	CCONJ
faba-237	368	18	strongly	strongly	ADV
faba-237	368	19	disagree	disagree	VERB
faba-237	368	20	□	□	PUNCT
faba-237	368	21	9	9	NUM
faba-237	368	22	.	.	PUNCT
faba-237	369	1	the	the	DET
faba-237	369	2	use	use	NOUN
faba-237	369	3	of	of	ADP
faba-237	369	4	mobile	mobile	ADJ
faba-237	369	5	banking	banking	NOUN
faba-237	369	6	improves	improve	VERB
faba-237	369	7	our	our	PRON
faba-237	369	8	brand	brand	NOUN
faba-237	369	9	and	and	CCONJ
faba-237	369	10	corporate	corporate	ADJ
faba-237	369	11	image	image	NOUN
faba-237	369	12	(	(	PUNCT
faba-237	369	13	oliveira	oliveira	PROPN
faba-237	369	14	et	et	PROPN
faba-237	369	15	al	al	PROPN
faba-237	369	16	.	.	PROPN
faba-237	369	17	2014	2014	NUM
faba-237	369	18	)	)	PUNCT
faba-237	369	19	.	.	PUNCT
faba-237	370	1	i.	i.	PROPN
faba-237	370	2	strongly	strongly	ADV
faba-237	370	3	agree	agree	VERB
faba-237	370	4	□	□	PUNCT
faba-237	370	5	ii	ii	PROPN
faba-237	370	6	.	.	PUNCT
faba-237	370	7	agree	agree	VERB
faba-237	370	8	□	□	PUNCT
faba-237	370	9	iii	iii	X
faba-237	370	10	.	.	NOUN
faba-237	370	11	neutral	neutral	PROPN
faba-237	370	12	□	□	PUNCT
faba-237	370	13	iv	iv	X
faba-237	370	14	.	.	PUNCT
faba-237	370	15	disagree	disagree	VERB
faba-237	370	16	□	□	PUNCT
faba-237	370	17	v.	v.	CCONJ
faba-237	370	18	strongly	strongly	ADV
faba-237	370	19	disagree	disagree	VERB
faba-237	370	20	□	□	PUNCT
faba-237	370	21	reuben	reuben	PROPN
faba-237	370	22	b.	b.	PROPN
faba-237	370	23	chipeta	chipeta	PROPN
faba-237	370	24	,	,	PUNCT
faba-237	370	25	andrew	andrew	PROPN
faba-237	370	26	m.	m.	PROPN
faba-237	370	27	lipunga	lipunga	PROPN
faba-237	370	28	/	/	SYM
faba-237	370	29	finance	finance	NOUN
faba-237	370	30	,	,	PUNCT
faba-237	370	31	accounting	accounting	NOUN
faba-237	370	32	and	and	CCONJ
faba-237	370	33	business	business	NOUN
faba-237	370	34	analysis	analysis	NOUN
faba-237	370	35	,	,	PUNCT
faba-237	370	36	volume	volume	NOUN
faba-237	370	37	7	7	NUM
faba-237	370	38	,	,	PUNCT
faba-237	370	39	issue	issue	NOUN
faba-237	370	40	1	1	NUM
faba-237	370	41	,	,	PUNCT
faba-237	370	42	2025	2025	NUM
faba-237	370	43	13	13	NUM
faba-237	370	44	expected	expect	VERB
faba-237	370	45	performance	performance	NOUN
faba-237	370	46	10	10	NUM
faba-237	370	47	.	.	PUNCT
faba-237	371	1	usage	usage	NOUN
faba-237	371	2	of	of	ADP
faba-237	371	3	fintech	fintech	NOUN
faba-237	371	4	products	product	NOUN
faba-237	371	5	/	/	SYM
faba-237	371	6	services	service	NOUN
faba-237	371	7	saves	save	VERB
faba-237	371	8	us	we	PRON
faba-237	371	9	time	time	NOUN
faba-237	371	10	(	(	PUNCT
faba-237	371	11	hu	hu	PROPN
faba-237	371	12	et	et	PROPN
faba-237	371	13	al	al	PROPN
faba-237	371	14	.	.	PROPN
faba-237	371	15	2019	2019	NUM
faba-237	371	16	)	)	PUNCT
faba-237	371	17	i.	i.	NOUN
faba-237	371	18	strongly	strongly	ADV
faba-237	371	19	agree	agree	VERB
faba-237	372	1	□	□	PUNCT
faba-237	372	2	ii	ii	PROPN
faba-237	372	3	.	.	PUNCT
faba-237	372	4	agree	agree	VERB
faba-237	372	5	□	□	PUNCT
faba-237	372	6	iii	iii	X
faba-237	372	7	.	.	NOUN
faba-237	372	8	neutral	neutral	PROPN
faba-237	372	9	□	□	PUNCT
faba-237	372	10	iv	iv	X
faba-237	372	11	.	.	PUNCT
faba-237	372	12	disagree	disagree	VERB
faba-237	372	13	□	□	PUNCT
faba-237	372	14	v.	v.	CCONJ
faba-237	372	15	strongly	strongly	ADV
faba-237	372	16	disagree	disagree	VERB
faba-237	372	17	□	□	PUNCT
faba-237	372	18	11	11	NUM
faba-237	372	19	.	.	PUNCT
faba-237	373	1	using	use	VERB
faba-237	373	2	fintech	fintech	NOUN
faba-237	373	3	help	help	VERB
faba-237	373	4	us	we	PRON
faba-237	373	5	meet	meet	VERB
faba-237	373	6	our	our	PRON
faba-237	373	7	service	service	NOUN
faba-237	373	8	needs	need	NOUN
faba-237	373	9	(	(	PUNCT
faba-237	373	10	hu	hu	PROPN
faba-237	373	11	et	et	PROPN
faba-237	373	12	al	al	PROPN
faba-237	373	13	.	.	PROPN
faba-237	373	14	2019	2019	NUM
faba-237	373	15	)	)	PUNCT
faba-237	373	16	.	.	PUNCT
faba-237	374	1	i.	i.	PROPN
faba-237	374	2	strongly	strongly	ADV
faba-237	374	3	agree	agree	VERB
faba-237	374	4	□	□	PUNCT
faba-237	374	5	ii	ii	PROPN
faba-237	374	6	.	.	PUNCT
faba-237	374	7	agree	agree	VERB
faba-237	374	8	□	□	PUNCT
faba-237	374	9	iii	iii	X
faba-237	374	10	.	.	NOUN
faba-237	374	11	neutral	neutral	PROPN
faba-237	374	12	□	□	PUNCT
faba-237	374	13	iv	iv	X
faba-237	374	14	.	.	PUNCT
faba-237	374	15	disagree	disagree	VERB
faba-237	374	16	□	□	PUNCT
faba-237	374	17	v.	v.	CCONJ
faba-237	374	18	strongly	strongly	ADV
faba-237	374	19	disagree	disagree	VERB
faba-237	374	20	□	□	PUNCT
faba-237	374	21	12	12	NUM
faba-237	374	22	.	.	PUNCT
faba-237	375	1	fintech	fintech	NOUN
faba-237	375	2	services	service	NOUN
faba-237	375	3	can	can	AUX
faba-237	375	4	improve	improve	VERB
faba-237	375	5	efficiency	efficiency	NOUN
faba-237	375	6	(	(	PUNCT
faba-237	375	7	hu	hu	PROPN
faba-237	375	8	et	et	PROPN
faba-237	375	9	al	al	PROPN
faba-237	375	10	.	.	PROPN
faba-237	375	11	2019	2019	NUM
faba-237	375	12	)	)	PUNCT
faba-237	375	13	i.	i.	NOUN
faba-237	375	14	strongly	strongly	ADV
faba-237	375	15	agree	agree	VERB
faba-237	375	16	□	□	PUNCT
faba-237	375	17	ii	ii	PROPN
faba-237	375	18	.	.	PUNCT
faba-237	375	19	agree	agree	VERB
faba-237	375	20	□	□	PUNCT
faba-237	375	21	iii	iii	X
faba-237	375	22	.	.	NOUN
faba-237	375	23	neutral	neutral	PROPN
faba-237	375	24	□	□	PUNCT
faba-237	375	25	iv	iv	X
faba-237	376	1	.	.	PUNCT
faba-237	376	2	disagree	disagree	VERB
faba-237	376	3	□	□	PUNCT
faba-237	376	4	v.	v.	CCONJ
faba-237	376	5	strongly	strongly	ADV
faba-237	376	6	disagree	disagree	VERB
faba-237	376	7	□	□	PUNCT
faba-237	376	8	13	13	NUM
faba-237	376	9	.	.	PUNCT
faba-237	376	10	fintech	fintech	NOUN
faba-237	376	11	products	product	NOUN
faba-237	376	12	/	/	SYM
faba-237	376	13	services	service	NOUN
faba-237	376	14	usage	usage	NOUN
faba-237	376	15	reduces	reduce	VERB
faba-237	376	16	traffic	traffic	NOUN
faba-237	376	17	in	in	ADP
faba-237	376	18	our	our	PRON
faba-237	376	19	offices	office	NOUN
faba-237	376	20	.	.	PUNCT
faba-237	377	1	i.	i.	PROPN
faba-237	377	2	strongly	strongly	ADV
faba-237	377	3	agree	agree	VERB
faba-237	377	4	□	□	PUNCT
faba-237	377	5	ii	ii	PROPN
faba-237	377	6	.	.	PUNCT
faba-237	377	7	agree	agree	VERB
faba-237	377	8	□	□	PUNCT
faba-237	377	9	iii	iii	X
faba-237	377	10	.	.	NOUN
faba-237	377	11	neutral	neutral	PROPN
faba-237	377	12	□	□	PUNCT
faba-237	377	13	iv	iv	X
faba-237	377	14	.	.	PUNCT
faba-237	377	15	disagree	disagree	VERB
faba-237	377	16	□	□	PUNCT
faba-237	377	17	v.	v.	CCONJ
faba-237	377	18	strongly	strongly	ADV
faba-237	377	19	disagree	disagree	VERB
faba-237	377	20	□	□	PUNCT
faba-237	377	21	14	14	NUM
faba-237	377	22	.	.	PUNCT
faba-237	378	1	fintech	fintech	NOUN
faba-237	378	2	products	product	NOUN
faba-237	378	3	/	/	SYM
faba-237	378	4	services	service	NOUN
faba-237	378	5	allow	allow	VERB
faba-237	378	6	us	we	PRON
faba-237	378	7	to	to	PART
faba-237	378	8	make	make	VERB
faba-237	378	9	our	our	PRON
faba-237	378	10	payments	payment	NOUN
faba-237	378	11	quicker	quick	ADV
faba-237	378	12	(	(	PUNCT
faba-237	378	13	oliveira	oliveira	PROPN
faba-237	378	14	et	et	PROPN
faba-237	378	15	al	al	PROPN
faba-237	378	16	.	.	PROPN
faba-237	378	17	2014	2014	NUM
faba-237	378	18	)	)	PUNCT
faba-237	378	19	i.	i.	PROPN
faba-237	378	20	strongly	strongly	ADV
faba-237	378	21	agree	agree	VERB
faba-237	378	22	□	□	PUNCT
faba-237	378	23	ii	ii	PROPN
faba-237	378	24	.	.	PUNCT
faba-237	378	25	agree	agree	VERB
faba-237	378	26	□	□	PUNCT
faba-237	378	27	iii	iii	X
faba-237	378	28	.	.	NOUN
faba-237	378	29	neutral	neutral	PROPN
faba-237	378	30	□	□	PUNCT
faba-237	378	31	iv	iv	X
faba-237	378	32	.	.	PUNCT
faba-237	378	33	disagree	disagree	VERB
faba-237	378	34	□	□	PUNCT
faba-237	378	35	v.	v.	CCONJ
faba-237	378	36	strongly	strongly	ADV
faba-237	378	37	disagree	disagree	VERB
faba-237	378	38	□	□	PUNCT
faba-237	378	39	reuben	reuben	PROPN
faba-237	378	40	b.	b.	PROPN
faba-237	378	41	chipeta	chipeta	PROPN
faba-237	378	42	,	,	PUNCT
faba-237	378	43	andrew	andrew	PROPN
faba-237	378	44	m.	m.	PROPN
faba-237	378	45	lipunga	lipunga	PROPN
faba-237	378	46	/	/	SYM
faba-237	378	47	finance	finance	NOUN
faba-237	378	48	,	,	PUNCT
faba-237	378	49	accounting	accounting	NOUN
faba-237	378	50	and	and	CCONJ
faba-237	378	51	business	business	NOUN
faba-237	378	52	analysis	analysis	NOUN
faba-237	378	53	,	,	PUNCT
faba-237	378	54	volume	volume	NOUN
faba-237	378	55	7	7	NUM
faba-237	378	56	,	,	PUNCT
faba-237	378	57	issue	issue	NOUN
faba-237	378	58	1	1	NUM
faba-237	378	59	,	,	PUNCT
faba-237	378	60	2025	2025	NUM
faba-237	378	61	14	14	NUM
faba-237	378	62	15	15	NUM
faba-237	378	63	.	.	PUNCT
faba-237	379	1	loan	loan	NOUN
faba-237	379	2	applications	application	NOUN
faba-237	379	3	are	be	AUX
faba-237	379	4	made	make	VERB
faba-237	379	5	quicker	quick	ADJ
faba-237	379	6	when	when	SCONJ
faba-237	379	7	using	use	VERB
faba-237	379	8	fintech	fintech	NOUN
faba-237	379	9	products	product	NOUN
faba-237	379	10	/	/	SYM
faba-237	379	11	services	service	NOUN
faba-237	379	12	(	(	PUNCT
faba-237	379	13	oliveira	oliveira	PROPN
faba-237	379	14	et	et	PROPN
faba-237	379	15	al	al	PROPN
faba-237	379	16	.	.	PROPN
faba-237	379	17	2014	2014	NUM
faba-237	379	18	)	)	PUNCT
faba-237	379	19	i.	i.	PROPN
faba-237	379	20	strongly	strongly	ADV
faba-237	379	21	agree	agree	VERB
faba-237	379	22	□	□	PUNCT
faba-237	379	23	ii	ii	PROPN
faba-237	379	24	.	.	PUNCT
faba-237	379	25	agree	agree	VERB
faba-237	379	26	□	□	PUNCT
faba-237	379	27	iii	iii	X
faba-237	379	28	.	.	NOUN
faba-237	379	29	neutral	neutral	PROPN
faba-237	379	30	□	□	PUNCT
faba-237	379	31	iv	iv	X
faba-237	379	32	.	.	PUNCT
faba-237	379	33	disagree	disagree	VERB
faba-237	379	34	□	□	PUNCT
faba-237	379	35	v.	v.	CCONJ
faba-237	379	36	strongly	strongly	ADV
faba-237	379	37	disagree	disagree	VERB
faba-237	379	38	□	□	PUNCT
faba-237	379	39	16	16	NUM
faba-237	379	40	.	.	PUNCT
faba-237	380	1	overall	overall	ADV
faba-237	380	2	,	,	PUNCT
faba-237	380	3	the	the	DET
faba-237	380	4	fintech	fintech	NOUN
faba-237	380	5	products	product	NOUN
faba-237	380	6	/	/	SYM
faba-237	380	7	services	service	NOUN
faba-237	380	8	usage	usage	NOUN
faba-237	380	9	provides	provide	VERB
faba-237	380	10	us	we	PRON
faba-237	380	11	with	with	ADP
faba-237	380	12	value	value	NOUN
faba-237	380	13	for	for	ADP
faba-237	380	14	money(yan	money(yan	PROPN
faba-237	380	15	et	et	PROPN
faba-237	380	16	al	al	PROPN
faba-237	380	17	.	.	PROPN
faba-237	380	18	2021	2021	NUM
faba-237	380	19	)	)	PUNCT
faba-237	380	20	i.	i.	PROPN
faba-237	380	21	strongly	strongly	ADV
faba-237	380	22	agree	agree	VERB
faba-237	380	23	□	□	PUNCT
faba-237	380	24	ii	ii	PROPN
faba-237	380	25	.	.	PUNCT
faba-237	380	26	agree	agree	VERB
faba-237	380	27	□	□	PUNCT
faba-237	380	28	iii	iii	X
faba-237	380	29	.	.	NOUN
faba-237	380	30	neutral	neutral	PROPN
faba-237	380	31	□	□	PUNCT
faba-237	380	32	iv	iv	X
faba-237	380	33	.	.	PUNCT
faba-237	380	34	disagree	disagree	VERB
faba-237	380	35	□	□	PUNCT
faba-237	380	36	v.	v.	CCONJ
faba-237	380	37	strongly	strongly	ADV
faba-237	380	38	disagree	disagree	VERB
faba-237	380	39	□	□	PUNCT
faba-237	380	40	facilitating	facilitate	VERB
faba-237	380	41	conditions	condition	NOUN
faba-237	380	42	17	17	NUM
faba-237	380	43	.	.	PUNCT
faba-237	381	1	government	government	NOUN
faba-237	381	2	supports	support	VERB
faba-237	381	3	and	and	CCONJ
faba-237	381	4	improves	improve	VERB
faba-237	381	5	the	the	DET
faba-237	381	6	use	use	NOUN
faba-237	381	7	of	of	ADP
faba-237	381	8	fintech	fintech	NOUN
faba-237	381	9	products	product	NOUN
faba-237	381	10	/	/	SYM
faba-237	381	11	services	service	NOUN
faba-237	381	12	(	(	PUNCT
faba-237	381	13	hu	hu	PROPN
faba-237	381	14	et	et	PROPN
faba-237	381	15	al	al	PROPN
faba-237	381	16	.	.	PROPN
faba-237	381	17	2019	2019	NUM
faba-237	381	18	)	)	PUNCT
faba-237	381	19	.	.	PUNCT
faba-237	382	1	i.	i.	PROPN
faba-237	382	2	strongly	strongly	ADV
faba-237	382	3	agree	agree	VERB
faba-237	382	4	□	□	PUNCT
faba-237	382	5	ii	ii	PROPN
faba-237	382	6	.	.	PUNCT
faba-237	382	7	agree	agree	VERB
faba-237	382	8	□	□	PUNCT
faba-237	382	9	iii	iii	X
faba-237	382	10	.	.	NOUN
faba-237	382	11	neutral	neutral	PROPN
faba-237	382	12	□	□	PUNCT
faba-237	382	13	iv	iv	X
faba-237	382	14	.	.	PUNCT
faba-237	382	15	disagree	disagree	VERB
faba-237	382	16	□	□	PUNCT
faba-237	382	17	v.	v.	CCONJ
faba-237	382	18	strongly	strongly	ADV
faba-237	382	19	disagree	disagree	VERB
faba-237	382	20	□	□	PUNCT
faba-237	382	21	18	18	NUM
faba-237	382	22	.	.	PUNCT
faba-237	382	23	fintech	fintech	NOUN
faba-237	382	24	products	product	NOUN
faba-237	382	25	/	/	SYM
faba-237	382	26	services	service	NOUN
faba-237	382	27	are	be	AUX
faba-237	382	28	well	well	ADV
faba-237	382	29	-	-	PUNCT
faba-237	382	30	regulated	regulate	VERB
faba-237	382	31	in	in	ADP
faba-237	382	32	malawi	malawi	PROPN
faba-237	382	33	(	(	PUNCT
faba-237	382	34	hu	hu	PROPN
faba-237	382	35	et	et	PROPN
faba-237	382	36	al	al	PROPN
faba-237	382	37	.	.	PROPN
faba-237	382	38	2019	2019	NUM
faba-237	382	39	)	)	PUNCT
faba-237	382	40	i.	i.	NOUN
faba-237	382	41	strongly	strongly	ADV
faba-237	382	42	agree	agree	VERB
faba-237	382	43	□	□	PUNCT
faba-237	382	44	ii	ii	PROPN
faba-237	382	45	.	.	PUNCT
faba-237	382	46	agree	agree	VERB
faba-237	382	47	□	□	PUNCT
faba-237	382	48	iii	iii	X
faba-237	382	49	.	.	NOUN
faba-237	382	50	neutral	neutral	PROPN
faba-237	382	51	□	□	PUNCT
faba-237	382	52	iv	iv	X
faba-237	382	53	.	.	PUNCT
faba-237	382	54	disagree	disagree	VERB
faba-237	382	55	□	□	PUNCT
faba-237	382	56	v.	v.	CCONJ
faba-237	382	57	strongly	strongly	ADV
faba-237	382	58	disagree	disagree	VERB
faba-237	382	59	□	□	PUNCT
faba-237	382	60	reuben	reuben	PROPN
faba-237	382	61	b.	b.	PROPN
faba-237	382	62	chipeta	chipeta	PROPN
faba-237	382	63	,	,	PUNCT
faba-237	382	64	andrew	andrew	PROPN
faba-237	382	65	m.	m.	PROPN
faba-237	382	66	lipunga	lipunga	PROPN
faba-237	382	67	/	/	SYM
faba-237	382	68	finance	finance	NOUN
faba-237	382	69	,	,	PUNCT
faba-237	382	70	accounting	accounting	NOUN
faba-237	382	71	and	and	CCONJ
faba-237	382	72	business	business	NOUN
faba-237	382	73	analysis	analysis	NOUN
faba-237	382	74	,	,	PUNCT
faba-237	382	75	volume	volume	NOUN
faba-237	382	76	7	7	NUM
faba-237	382	77	,	,	PUNCT
faba-237	382	78	issue	issue	NOUN
faba-237	382	79	1	1	NUM
faba-237	382	80	,	,	PUNCT
faba-237	382	81	2025	2025	NUM
faba-237	382	82	15	15	NUM
faba-237	382	83	19	19	NUM
faba-237	382	84	.	.	PUNCT
faba-237	382	85	necessary	necessary	ADJ
faba-237	382	86	resources	resource	NOUN
faba-237	382	87	to	to	PART
faba-237	382	88	use	use	VERB
faba-237	382	89	fintech	fintech	NOUN
faba-237	382	90	services	service	NOUN
faba-237	382	91	/	/	SYM
faba-237	382	92	products	product	NOUN
faba-237	382	93	exist	exist	VERB
faba-237	382	94	(	(	PUNCT
faba-237	382	95	hassan	hassan	PROPN
faba-237	382	96	et	et	PROPN
faba-237	382	97	al	al	PROPN
faba-237	382	98	.	.	PROPN
faba-237	382	99	2022	2022	NUM
faba-237	382	100	)	)	PUNCT
faba-237	382	101	i.	i.	NOUN
faba-237	382	102	strongly	strongly	ADV
faba-237	382	103	agree	agree	VERB
faba-237	382	104	□	□	PUNCT
faba-237	382	105	ii	ii	PROPN
faba-237	382	106	.	.	PUNCT
faba-237	382	107	agree	agree	VERB
faba-237	382	108	□	□	PUNCT
faba-237	382	109	iii	iii	X
faba-237	382	110	.	.	NOUN
faba-237	382	111	neutral	neutral	PROPN
faba-237	382	112	□	□	PUNCT
faba-237	382	113	iv	iv	X
faba-237	382	114	.	.	PUNCT
faba-237	382	115	disagree	disagree	VERB
faba-237	382	116	□	□	PUNCT
faba-237	382	117	v.	v.	CCONJ
faba-237	382	118	strongly	strongly	ADV
faba-237	382	119	disagree	disagree	VERB
faba-237	382	120	□	□	PUNCT
faba-237	382	121	20	20	NUM
faba-237	382	122	.	.	PUNCT
faba-237	382	123	fintech	fintech	NOUN
faba-237	382	124	services	service	NOUN
faba-237	382	125	/	/	SYM
faba-237	382	126	products	product	NOUN
faba-237	382	127	are	be	AUX
faba-237	382	128	compatible	compatible	ADJ
faba-237	382	129	with	with	ADP
faba-237	382	130	other	other	ADJ
faba-237	382	131	systems	system	NOUN
faba-237	382	132	that	that	PRON
faba-237	382	133	we	we	PRON
faba-237	382	134	use	use	VERB
faba-237	382	135	(	(	PUNCT
faba-237	382	136	hassan	hassan	PROPN
faba-237	382	137	et	et	PROPN
faba-237	382	138	al	al	PROPN
faba-237	382	139	.	.	PROPN
faba-237	382	140	2022	2022	NUM
faba-237	382	141	)	)	PUNCT
faba-237	382	142	i.	i.	NOUN
faba-237	382	143	strongly	strongly	ADV
faba-237	382	144	agree	agree	VERB
faba-237	382	145	□	□	PUNCT
faba-237	382	146	ii	ii	PROPN
faba-237	382	147	.	.	PUNCT
faba-237	382	148	agree	agree	VERB
faba-237	382	149	□	□	PUNCT
faba-237	382	150	iii	iii	X
faba-237	382	151	.	.	NOUN
faba-237	382	152	neutral	neutral	PROPN
faba-237	382	153	□	□	PUNCT
faba-237	382	154	iv	iv	X
faba-237	382	155	.	.	PUNCT
faba-237	382	156	disagree	disagree	VERB
faba-237	382	157	□	□	PUNCT
faba-237	382	158	v.	v.	CCONJ
faba-237	382	159	strongly	strongly	ADV
faba-237	382	160	disagree	disagree	VERB
faba-237	382	161	□	□	PUNCT
faba-237	382	162	21	21	NUM
faba-237	382	163	.	.	PUNCT
faba-237	383	1	help	help	NOUN
faba-237	383	2	is	be	AUX
faba-237	383	3	available	available	ADJ
faba-237	383	4	when	when	SCONJ
faba-237	383	5	we	we	PRON
faba-237	383	6	get	get	VERB
faba-237	383	7	problems	problem	NOUN
faba-237	383	8	in	in	ADP
faba-237	383	9	using	use	VERB
faba-237	383	10	these	these	DET
faba-237	383	11	services	service	NOUN
faba-237	383	12	(	(	PUNCT
faba-237	383	13	yu	yu	PROPN
faba-237	383	14	2012	2012	NUM
faba-237	383	15	)	)	PUNCT
faba-237	383	16	.	.	PUNCT
faba-237	384	1	i.	i.	PROPN
faba-237	384	2	strongly	strongly	ADV
faba-237	384	3	agree	agree	VERB
faba-237	384	4	□	□	PUNCT
faba-237	384	5	ii	ii	PROPN
faba-237	384	6	.	.	PUNCT
faba-237	384	7	agree	agree	VERB
faba-237	384	8	□	□	PUNCT
faba-237	384	9	iii	iii	X
faba-237	384	10	.	.	NOUN
faba-237	384	11	neutral	neutral	PROPN
faba-237	384	12	□	□	PUNCT
faba-237	384	13	iv	iv	X
faba-237	384	14	.	.	PUNCT
faba-237	384	15	disagree	disagree	VERB
faba-237	384	16	□	□	PUNCT
faba-237	384	17	v.	v.	CCONJ
faba-237	384	18	strongly	strongly	ADV
faba-237	384	19	disagree	disagree	VERB
faba-237	384	20	□	□	PUNCT
faba-237	384	21	22	22	NUM
faba-237	384	22	.	.	PUNCT
faba-237	385	1	we	we	PRON
faba-237	385	2	have	have	VERB
faba-237	385	3	the	the	DET
faba-237	385	4	knowledge	knowledge	NOUN
faba-237	385	5	of	of	ADP
faba-237	385	6	how	how	SCONJ
faba-237	385	7	to	to	PART
faba-237	385	8	use	use	VERB
faba-237	385	9	fintech	fintech	NOUN
faba-237	385	10	products	product	NOUN
faba-237	385	11	/	/	SYM
faba-237	385	12	services	service	NOUN
faba-237	385	13	(	(	PUNCT
faba-237	385	14	oliveira	oliveira	PROPN
faba-237	385	15	et	et	PROPN
faba-237	385	16	al	al	PROPN
faba-237	385	17	.	.	PROPN
faba-237	385	18	2014	2014	NUM
faba-237	385	19	)	)	PUNCT
faba-237	385	20	i.	i.	PROPN
faba-237	385	21	strongly	strongly	ADV
faba-237	385	22	agree	agree	VERB
faba-237	385	23	□	□	PUNCT
faba-237	385	24	ii	ii	PROPN
faba-237	385	25	.	.	PUNCT
faba-237	385	26	agree	agree	VERB
faba-237	385	27	□	□	PUNCT
faba-237	385	28	iii	iii	X
faba-237	385	29	.	.	NOUN
faba-237	385	30	neutral	neutral	PROPN
faba-237	385	31	□	□	PUNCT
faba-237	385	32	iv	iv	X
faba-237	385	33	.	.	PUNCT
faba-237	385	34	disagree	disagree	VERB
faba-237	385	35	□	□	PUNCT
faba-237	385	36	v.	v.	CCONJ
faba-237	385	37	strongly	strongly	ADV
faba-237	385	38	disagree	disagree	VERB
faba-237	385	39	□	□	PUNCT
faba-237	385	40	thanks	thank	NOUN
faba-237	385	41	for	for	ADP
faba-237	385	42	participating	participate	VERB
faba-237	385	43	and	and	CCONJ
faba-237	385	44	answering	answer	VERB
faba-237	385	45	these	these	DET
faba-237	385	46	questions	question	NOUN
faba-237	385	47	.	.	PUNCT