id	sid	tid	token	lemma	pos
gujaf-254	1	1	i	i	PRON
gujaf-254	1	2	gusau	gusau	PROPN
gujaf-254	1	3	journal	journal	NOUN
gujaf-254	1	4	of	of	ADP
gujaf-254	1	5	accounting	accounting	NOUN
gujaf-254	1	6	and	and	CCONJ
gujaf-254	1	7	finance	finance	NOUN
gujaf-254	1	8	(	(	PUNCT
gujaf-254	1	9	gujaf	gujaf	NOUN
gujaf-254	1	10	)	)	PUNCT
gujaf-254	1	11	vol	vol	NOUN
gujaf-254	1	12	.	.	NOUN
gujaf-254	1	13	4	4	NUM
gujaf-254	1	14	issue	issue	NOUN
gujaf-254	1	15	2	2	NUM
gujaf-254	1	16	,	,	PUNCT
gujaf-254	1	17	october	october	PROPN
gujaf-254	1	18	,	,	PUNCT
gujaf-254	1	19	2023	2023	NUM
gujaf-254	1	20	issn	issn	X
gujaf-254	1	21	:	:	PUNCT
gujaf-254	1	22	2756	2756	NUM
gujaf-254	1	23	-	-	PUNCT
gujaf-254	1	24	665x	665x	NOUN
gujaf-254	1	25	a	a	DET
gujaf-254	1	26	publication	publication	NOUN
gujaf-254	1	27	of	of	ADP
gujaf-254	1	28	department	department	NOUN
gujaf-254	1	29	of	of	ADP
gujaf-254	1	30	accounting	accounting	NOUN
gujaf-254	1	31	and	and	CCONJ
gujaf-254	1	32	finance	finance	NOUN
gujaf-254	1	33	,	,	PUNCT
gujaf-254	1	34	faculty	faculty	NOUN
gujaf-254	1	35	of	of	ADP
gujaf-254	1	36	management	management	NOUN
gujaf-254	1	37	and	and	CCONJ
gujaf-254	1	38	social	social	ADJ
gujaf-254	1	39	sciences	science	NOUN
gujaf-254	1	40	,	,	PUNCT
gujaf-254	1	41	federal	federal	ADJ
gujaf-254	1	42	university	university	NOUN
gujaf-254	1	43	gusau	gusau	NOUN
gujaf-254	1	44	,	,	PUNCT
gujaf-254	1	45	zamfara	zamfara	PROPN
gujaf-254	1	46	state	state	PROPN
gujaf-254	1	47	-nigeria	-nigeria	PROPN
gujaf-254	1	48	ii	ii	PROPN
gujaf-254	1	49	©	©	PROPN
gujaf-254	1	50	department	department	PROPN
gujaf-254	1	51	of	of	ADP
gujaf-254	1	52	accounting	accounting	NOUN
gujaf-254	1	53	and	and	CCONJ
gujaf-254	1	54	finance	finance	NOUN
gujaf-254	1	55	,	,	PUNCT
gujaf-254	1	56	2023	2023	NUM
gujaf-254	1	57	vol	vol	NOUN
gujaf-254	1	58	.	.	NOUN
gujaf-254	1	59	4	4	NUM
gujaf-254	1	60	issue	issue	NOUN
gujaf-254	1	61	2	2	NUM
gujaf-254	1	62	october	october	PROPN
gujaf-254	1	63	,	,	PUNCT
gujaf-254	1	64	2023	2023	NUM
gujaf-254	1	65	issn	issn	X
gujaf-254	1	66	:	:	PUNCT
gujaf-254	1	67	2756	2756	NUM
gujaf-254	1	68	-	-	PUNCT
gujaf-254	1	69	665x	665x	NOUN
gujaf-254	1	70	a	a	DET
gujaf-254	1	71	publication	publication	NOUN
gujaf-254	1	72	of	of	ADP
gujaf-254	1	73	department	department	NOUN
gujaf-254	1	74	of	of	ADP
gujaf-254	1	75	accounting	accounting	NOUN
gujaf-254	1	76	and	and	CCONJ
gujaf-254	1	77	finance	finance	NOUN
gujaf-254	1	78	,	,	PUNCT
gujaf-254	1	79	faculty	faculty	NOUN
gujaf-254	1	80	of	of	ADP
gujaf-254	1	81	management	management	NOUN
gujaf-254	1	82	and	and	CCONJ
gujaf-254	1	83	social	social	ADJ
gujaf-254	1	84	sciences	science	NOUN
gujaf-254	1	85	,	,	PUNCT
gujaf-254	1	86	federal	federal	ADJ
gujaf-254	1	87	university	university	NOUN
gujaf-254	1	88	gusau	gusau	NOUN
gujaf-254	1	89	,	,	PUNCT
gujaf-254	1	90	zamfara	zamfara	PROPN
gujaf-254	1	91	state	state	NOUN
gujaf-254	1	92	-nigeria	-nigeria	PROPN
gujaf-254	1	93	all	all	DET
gujaf-254	1	94	rights	right	NOUN
gujaf-254	1	95	reserved	reserve	VERB
gujaf-254	1	96	except	except	SCONJ
gujaf-254	1	97	for	for	ADP
gujaf-254	1	98	academic	academic	ADJ
gujaf-254	1	99	purposes	purpose	NOUN
gujaf-254	1	100	no	no	DET
gujaf-254	1	101	part	part	NOUN
gujaf-254	1	102	or	or	CCONJ
gujaf-254	1	103	whole	whole	NOUN
gujaf-254	1	104	of	of	ADP
gujaf-254	1	105	this	this	DET
gujaf-254	1	106	publication	publication	NOUN
gujaf-254	1	107	is	be	AUX
gujaf-254	1	108	allowed	allow	VERB
gujaf-254	1	109	to	to	PART
gujaf-254	1	110	be	be	AUX
gujaf-254	1	111	reproduced	reproduce	VERB
gujaf-254	1	112	,	,	PUNCT
gujaf-254	1	113	stored	store	VERB
gujaf-254	1	114	in	in	ADP
gujaf-254	1	115	a	a	DET
gujaf-254	1	116	retrieval	retrieval	NOUN
gujaf-254	1	117	system	system	NOUN
gujaf-254	1	118	or	or	CCONJ
gujaf-254	1	119	transmitted	transmit	VERB
gujaf-254	1	120	in	in	ADP
gujaf-254	1	121	any	any	DET
gujaf-254	1	122	form	form	NOUN
gujaf-254	1	123	or	or	CCONJ
gujaf-254	1	124	by	by	ADP
gujaf-254	1	125	any	any	DET
gujaf-254	1	126	means	mean	NOUN
gujaf-254	1	127	be	be	AUX
gujaf-254	1	128	it	it	PRON
gujaf-254	1	129	mechanical	mechanical	ADJ
gujaf-254	1	130	,	,	PUNCT
gujaf-254	1	131	electrical	electrical	ADJ
gujaf-254	1	132	,	,	PUNCT
gujaf-254	1	133	photocopying	photocopying	NOUN
gujaf-254	1	134	,	,	PUNCT
gujaf-254	1	135	recording	recording	NOUN
gujaf-254	1	136	or	or	CCONJ
gujaf-254	1	137	otherwise	otherwise	ADV
gujaf-254	1	138	,	,	PUNCT
gujaf-254	1	139	without	without	ADP
gujaf-254	1	140	prior	prior	ADJ
gujaf-254	1	141	permission	permission	NOUN
gujaf-254	1	142	of	of	ADP
gujaf-254	1	143	the	the	DET
gujaf-254	1	144	copyright	copyright	NOUN
gujaf-254	1	145	owner	owner	NOUN
gujaf-254	1	146	.	.	PUNCT
gujaf-254	2	1	published	publish	VERB
gujaf-254	2	2	and	and	CCONJ
gujaf-254	2	3	printed	print	VERB
gujaf-254	2	4	by	by	ADP
gujaf-254	2	5	:	:	PUNCT
gujaf-254	2	6	ahmadu	ahmadu	PROPN
gujaf-254	2	7	bello	bello	PROPN
gujaf-254	2	8	university	university	PROPN
gujaf-254	2	9	press	press	NOUN
gujaf-254	2	10	limited	limit	VERB
gujaf-254	2	11	,	,	PUNCT
gujaf-254	2	12	zaria	zaria	PROPN
gujaf-254	2	13	kaduna	kaduna	PROPN
gujaf-254	2	14	state	state	PROPN
gujaf-254	2	15	,	,	PUNCT
gujaf-254	2	16	nigeria	nigeria	PROPN
gujaf-254	2	17	.	.	PUNCT
gujaf-254	3	1	tel	tel	ADP
gujaf-254	3	2	:	:	PUNCT
gujaf-254	3	3	08065949711	08065949711	NUM
gujaf-254	3	4	,	,	PUNCT
gujaf-254	3	5	069	069	NUM
gujaf-254	3	6	-	-	SYM
gujaf-254	3	7	879121	879121	NUM
gujaf-254	3	8	e	e	NOUN
gujaf-254	3	9	-	-	NOUN
gujaf-254	3	10	mail	mail	NOUN
gujaf-254	3	11	:	:	PUNCT
gujaf-254	3	12	abupress2013@gmail.com	abupress2013@gmail.com	X
gujaf-254	3	13	abupress2020@yahoo.com	abupress2020@yahoo.com	X
gujaf-254	4	1	website	website	NOUN
gujaf-254	4	2	:	:	PUNCT
gujaf-254	4	3	www.abupress.com.ng	www.abupress.com.ng	PROPN
gujaf-254	4	4	mailto:abupress2013@gmail.com	mailto:abupress2013@gmail.com	PROPN
gujaf-254	4	5	iii	iii	PROPN
gujaf-254	4	6	editorial	editorial	PROPN
gujaf-254	4	7	board	board	NOUN
gujaf-254	4	8	editor	editor	NOUN
gujaf-254	4	9	-	-	PUNCT
gujaf-254	4	10	in	in	ADP
gujaf-254	4	11	-	-	PUNCT
gujaf-254	4	12	chief	chief	NOUN
gujaf-254	4	13	:	:	PUNCT
gujaf-254	4	14	prof	prof	PROPN
gujaf-254	4	15	.	.	PUNCT
gujaf-254	4	16	shehu	shehu	PROPN
gujaf-254	4	17	usman	usman	PROPN
gujaf-254	4	18	hassan	hassan	PROPN
gujaf-254	4	19	department	department	PROPN
gujaf-254	4	20	of	of	ADP
gujaf-254	4	21	accounting	accounting	PROPN
gujaf-254	4	22	,	,	PUNCT
gujaf-254	4	23	federal	federal	ADJ
gujaf-254	4	24	university	university	PROPN
gujaf-254	4	25	of	of	ADP
gujaf-254	4	26	kashere	kashere	PROPN
gujaf-254	4	27	,	,	PUNCT
gujaf-254	4	28	gombe	gombe	ADJ
gujaf-254	4	29	state	state	NOUN
gujaf-254	4	30	.	.	PUNCT
gujaf-254	5	1	associate	associate	NOUN
gujaf-254	5	2	editor	editor	NOUN
gujaf-254	5	3	:	:	PUNCT
gujaf-254	5	4	dr	dr	PROPN
gujaf-254	5	5	.	.	PROPN
gujaf-254	5	6	muhammad	muhammad	PROPN
gujaf-254	5	7	mustapha	mustapha	PROPN
gujaf-254	5	8	bagudo	bagudo	PROPN
gujaf-254	5	9	department	department	PROPN
gujaf-254	5	10	of	of	ADP
gujaf-254	5	11	accounting	accounting	PROPN
gujaf-254	5	12	,	,	PUNCT
gujaf-254	5	13	ahmadu	ahmadu	PROPN
gujaf-254	5	14	bello	bello	PROPN
gujaf-254	5	15	university	university	PROPN
gujaf-254	5	16	zaria	zaria	PROPN
gujaf-254	5	17	,	,	PUNCT
gujaf-254	5	18	kaduna	kaduna	PROPN
gujaf-254	5	19	state	state	PROPN
gujaf-254	5	20	.	.	PUNCT
gujaf-254	6	1	managing	manage	VERB
gujaf-254	6	2	editor	editor	NOUN
gujaf-254	6	3	:	:	PUNCT
gujaf-254	6	4	umar	umar	PROPN
gujaf-254	6	5	farouk	farouk	PROPN
gujaf-254	6	6	abdulkarim	abdulkarim	PROPN
gujaf-254	6	7	department	department	PROPN
gujaf-254	6	8	of	of	ADP
gujaf-254	6	9	accounting	accounting	NOUN
gujaf-254	6	10	and	and	CCONJ
gujaf-254	6	11	finance	finance	NOUN
gujaf-254	6	12	,	,	PUNCT
gujaf-254	6	13	federal	federal	ADJ
gujaf-254	6	14	university	university	NOUN
gujaf-254	6	15	gusau	gusau	PROPN
gujaf-254	6	16	,	,	PUNCT
gujaf-254	6	17	zamfara	zamfara	PROPN
gujaf-254	6	18	state	state	PROPN
gujaf-254	6	19	.	.	PUNCT
gujaf-254	7	1	editorial	editorial	PROPN
gujaf-254	7	2	board	board	NOUN
gujaf-254	7	3	prof.ahmad	prof.ahmad	PROPN
gujaf-254	7	4	modu	modu	PROPN
gujaf-254	7	5	kumshe	kumshe	PROPN
gujaf-254	7	6	department	department	PROPN
gujaf-254	7	7	of	of	ADP
gujaf-254	7	8	accounting	accounting	PROPN
gujaf-254	7	9	,	,	PUNCT
gujaf-254	7	10	university	university	NOUN
gujaf-254	7	11	of	of	ADP
gujaf-254	7	12	maiduguri	maiduguri	PROPN
gujaf-254	7	13	,	,	PUNCT
gujaf-254	7	14	borno	borno	PROPN
gujaf-254	7	15	state	state	PROPN
gujaf-254	7	16	.	.	PUNCT
gujaf-254	8	1	prof	prof	PROPN
gujaf-254	8	2	ugochukwu	ugochukwu	PROPN
gujaf-254	8	3	c.	c.	PROPN
gujaf-254	8	4	nzewi	nzewi	VERB
gujaf-254	8	5	department	department	PROPN
gujaf-254	8	6	of	of	ADP
gujaf-254	8	7	accounting	accounting	PROPN
gujaf-254	8	8	,	,	PUNCT
gujaf-254	8	9	paul	paul	PROPN
gujaf-254	8	10	university	university	PROPN
gujaf-254	8	11	awka	awka	NOUN
gujaf-254	8	12	,	,	PUNCT
gujaf-254	8	13	anambra	anambra	PROPN
gujaf-254	8	14	state	state	PROPN
gujaf-254	8	15	.	.	PUNCT
gujaf-254	9	1	prof	prof	PROPN
gujaf-254	9	2	kabir	kabir	PROPN
gujaf-254	9	3	tahir	tahir	PROPN
gujaf-254	9	4	hamid	hamid	PROPN
gujaf-254	9	5	department	department	PROPN
gujaf-254	9	6	of	of	ADP
gujaf-254	9	7	accounting	accounting	PROPN
gujaf-254	9	8	,	,	PUNCT
gujaf-254	9	9	bayero	bayero	PROPN
gujaf-254	9	10	university	university	PROPN
gujaf-254	9	11	,	,	PUNCT
gujaf-254	9	12	kano	kano	PROPN
gujaf-254	9	13	,	,	PUNCT
gujaf-254	9	14	kano	kano	PROPN
gujaf-254	9	15	state	state	PROPN
gujaf-254	9	16	.	.	PUNCT
gujaf-254	10	1	prof	prof	PROPN
gujaf-254	10	2	.	.	PUNCT
gujaf-254	11	1	ekoja	ekoja	PROPN
gujaf-254	11	2	b.	b.	PROPN
gujaf-254	11	3	ekoja	ekoja	PROPN
gujaf-254	11	4	department	department	PROPN
gujaf-254	11	5	of	of	ADP
gujaf-254	11	6	accounting	accounting	PROPN
gujaf-254	11	7	,	,	PUNCT
gujaf-254	11	8	university	university	PROPN
gujaf-254	11	9	of	of	ADP
gujaf-254	11	10	jos	jos	PROPN
gujaf-254	11	11	.	.	PROPN
gujaf-254	11	12	prof	prof	PROPN
gujaf-254	11	13	.	.	PUNCT
gujaf-254	12	1	clifford	clifford	PROPN
gujaf-254	12	2	ofurum	ofurum	PROPN
gujaf-254	12	3	department	department	PROPN
gujaf-254	12	4	of	of	ADP
gujaf-254	12	5	accounting	accounting	PROPN
gujaf-254	12	6	,	,	PUNCT
gujaf-254	12	7	university	university	NOUN
gujaf-254	12	8	of	of	ADP
gujaf-254	12	9	portharcourt	portharcourt	PROPN
gujaf-254	12	10	,	,	PUNCT
gujaf-254	12	11	rivers	river	NOUN
gujaf-254	12	12	state	state	PROPN
gujaf-254	12	13	.	.	PUNCT
gujaf-254	13	1	prof	prof	PROPN
gujaf-254	13	2	.	.	PUNCT
gujaf-254	14	1	ahmad	ahmad	PROPN
gujaf-254	14	2	bello	bello	PROPN
gujaf-254	14	3	dogarawa	dogarawa	PROPN
gujaf-254	14	4	department	department	PROPN
gujaf-254	14	5	of	of	ADP
gujaf-254	14	6	accounting	accounting	NOUN
gujaf-254	14	7	,	,	PUNCT
gujaf-254	14	8	ahmadu	ahmadu	PROPN
gujaf-254	14	9	bello	bello	PROPN
gujaf-254	14	10	university	university	PROPN
gujaf-254	14	11	zaria	zaria	PROPN
gujaf-254	14	12	.	.	PUNCT
gujaf-254	15	1	prof	prof	PROPN
gujaf-254	15	2	.	.	PUNCT
gujaf-254	16	1	yusuf	yusuf	PROPN
gujaf-254	16	2	.	.	PUNCT
gujaf-254	17	1	b.	b.	PROPN
gujaf-254	17	2	rahman	rahman	PROPN
gujaf-254	17	3	department	department	PROPN
gujaf-254	17	4	of	of	ADP
gujaf-254	17	5	accounting	accounting	PROPN
gujaf-254	17	6	,	,	PUNCT
gujaf-254	17	7	lagos	lagos	NOUN
gujaf-254	17	8	state	state	PROPN
gujaf-254	17	9	university	university	PROPN
gujaf-254	17	10	,	,	PUNCT
gujaf-254	17	11	lagos	lagos	NOUN
gujaf-254	17	12	state	state	NOUN
gujaf-254	17	13	.	.	PUNCT
gujaf-254	18	1	prof	prof	PROPN
gujaf-254	18	2	.	.	PUNCT
gujaf-254	19	1	suleiman	suleiman	PROPN
gujaf-254	19	2	a.	a.	PROPN
gujaf-254	19	3	s.	s.	PROPN
gujaf-254	19	4	aruwa	aruwa	PROPN
gujaf-254	19	5	department	department	PROPN
gujaf-254	19	6	of	of	ADP
gujaf-254	19	7	accounting	accounting	PROPN
gujaf-254	19	8	,	,	PUNCT
gujaf-254	19	9	nasarawa	nasarawa	PROPN
gujaf-254	19	10	state	state	PROPN
gujaf-254	19	11	university	university	PROPN
gujaf-254	19	12	,	,	PUNCT
gujaf-254	19	13	keffi	keffi	PROPN
gujaf-254	19	14	,	,	PUNCT
gujaf-254	19	15	nasarawa	nasarawa	PROPN
gujaf-254	19	16	state	state	PROPN
gujaf-254	19	17	.	.	PUNCT
gujaf-254	20	1	prof	prof	PROPN
gujaf-254	20	2	.	.	PUNCT
gujaf-254	21	1	muhammad	muhammad	PROPN
gujaf-254	21	2	junaidu	junaidu	PROPN
gujaf-254	21	3	kurawa	kurawa	PROPN
gujaf-254	21	4	iv	iv	PROPN
gujaf-254	22	1	department	department	PROPN
gujaf-254	22	2	of	of	ADP
gujaf-254	22	3	accounting	accounting	PROPN
gujaf-254	22	4	,	,	PUNCT
gujaf-254	22	5	bayero	bayero	PROPN
gujaf-254	22	6	university	university	PROPN
gujaf-254	22	7	kano	kano	PROPN
gujaf-254	22	8	,	,	PUNCT
gujaf-254	22	9	kano	kano	PROPN
gujaf-254	22	10	state	state	PROPN
gujaf-254	22	11	.	.	PUNCT
gujaf-254	23	1	prof	prof	PROPN
gujaf-254	23	2	.	.	PUNCT
gujaf-254	24	1	muhammad	muhammad	PROPN
gujaf-254	24	2	habibu	habibu	ADJ
gujaf-254	24	3	sabari	sabari	PROPN
gujaf-254	24	4	department	department	PROPN
gujaf-254	24	5	of	of	ADP
gujaf-254	24	6	accounting	accounting	NOUN
gujaf-254	24	7	,	,	PUNCT
gujaf-254	24	8	ahmadu	ahmadu	PROPN
gujaf-254	24	9	bello	bello	PROPN
gujaf-254	24	10	university	university	PROPN
gujaf-254	24	11	,	,	PUNCT
gujaf-254	24	12	zaria	zaria	PROPN
gujaf-254	24	13	.	.	PUNCT
gujaf-254	24	14	prof	prof	PROPN
gujaf-254	24	15	.	.	PUNCT
gujaf-254	25	1	okpanachi	okpanachi	PROPN
gujaf-254	25	2	joshua	joshua	PROPN
gujaf-254	25	3	department	department	PROPN
gujaf-254	25	4	of	of	ADP
gujaf-254	25	5	accounting	accounting	NOUN
gujaf-254	25	6	and	and	CCONJ
gujaf-254	25	7	management	management	NOUN
gujaf-254	25	8	,	,	PUNCT
gujaf-254	25	9	nigerian	nigerian	ADJ
gujaf-254	25	10	defence	defence	PROPN
gujaf-254	25	11	academy	academy	PROPN
gujaf-254	25	12	,	,	PUNCT
gujaf-254	25	13	kaduna	kaduna	PROPN
gujaf-254	25	14	.	.	PROPN
gujaf-254	25	15	prof	prof	PROPN
gujaf-254	25	16	.	.	PUNCT
gujaf-254	26	1	hassan	hassan	PROPN
gujaf-254	26	2	ibrahim	ibrahim	PROPN
gujaf-254	26	3	department	department	PROPN
gujaf-254	26	4	of	of	ADP
gujaf-254	26	5	accounting	accounting	PROPN
gujaf-254	26	6	,	,	PUNCT
gujaf-254	26	7	ibb	ibb	NOUN
gujaf-254	26	8	university	university	NOUN
gujaf-254	26	9	,	,	PUNCT
gujaf-254	26	10	lapai	lapai	NOUN
gujaf-254	26	11	,	,	PUNCT
gujaf-254	26	12	niger	niger	NOUN
gujaf-254	26	13	state	state	NOUN
gujaf-254	26	14	.	.	PUNCT
gujaf-254	27	1	prof	prof	PROPN
gujaf-254	27	2	.	.	PUNCT
gujaf-254	28	1	ifeoma	ifeoma	PROPN
gujaf-254	28	2	mary	mary	PROPN
gujaf-254	28	3	okwo	okwo	PROPN
gujaf-254	28	4	department	department	PROPN
gujaf-254	28	5	of	of	ADP
gujaf-254	28	6	accounting	accounting	PROPN
gujaf-254	28	7	,	,	PUNCT
gujaf-254	28	8	enugu	enugu	PROPN
gujaf-254	28	9	state	state	PROPN
gujaf-254	28	10	university	university	PROPN
gujaf-254	28	11	of	of	ADP
gujaf-254	28	12	science	science	NOUN
gujaf-254	28	13	and	and	CCONJ
gujaf-254	28	14	technology	technology	NOUN
gujaf-254	28	15	,	,	PUNCT
gujaf-254	28	16	enugu	enugu	PROPN
gujaf-254	28	17	state	state	PROPN
gujaf-254	28	18	.	.	PUNCT
gujaf-254	29	1	prof	prof	PROPN
gujaf-254	29	2	.	.	PROPN
gujaf-254	30	1	aminu	aminu	PROPN
gujaf-254	30	2	isah	isah	PROPN
gujaf-254	30	3	department	department	PROPN
gujaf-254	30	4	of	of	ADP
gujaf-254	30	5	accounting	accounting	PROPN
gujaf-254	30	6	,	,	PUNCT
gujaf-254	30	7	bayero	bayero	PROPN
gujaf-254	30	8	university	university	PROPN
gujaf-254	30	9	,	,	PUNCT
gujaf-254	30	10	kano	kano	PROPN
gujaf-254	30	11	,	,	PUNCT
gujaf-254	30	12	kano	kano	PROPN
gujaf-254	30	13	state	state	PROPN
gujaf-254	30	14	.	.	PUNCT
gujaf-254	31	1	prof	prof	PROPN
gujaf-254	31	2	.	.	PUNCT
gujaf-254	32	1	ahmadu	ahmadu	PROPN
gujaf-254	32	2	bello	bello	PROPN
gujaf-254	32	3	department	department	PROPN
gujaf-254	32	4	of	of	ADP
gujaf-254	32	5	accounting	accounting	NOUN
gujaf-254	32	6	,	,	PUNCT
gujaf-254	32	7	ahmadu	ahmadu	PROPN
gujaf-254	32	8	bello	bello	PROPN
gujaf-254	32	9	university	university	PROPN
gujaf-254	32	10	,	,	PUNCT
gujaf-254	32	11	zaria	zaria	PROPN
gujaf-254	32	12	.	.	PUNCT
gujaf-254	33	1	prof	prof	PROPN
gujaf-254	33	2	.	.	PUNCT
gujaf-254	34	1	musa	musa	PROPN
gujaf-254	34	2	yelwa	yelwa	PROPN
gujaf-254	34	3	abubakar	abubakar	PROPN
gujaf-254	34	4	department	department	PROPN
gujaf-254	34	5	of	of	ADP
gujaf-254	34	6	accounting	accounting	PROPN
gujaf-254	34	7	,	,	PUNCT
gujaf-254	34	8	usmanu	usmanu	PROPN
gujaf-254	34	9	danfodiyo	danfodiyo	PROPN
gujaf-254	34	10	university	university	PROPN
gujaf-254	34	11	,	,	PUNCT
gujaf-254	34	12	sokoto	sokoto	PROPN
gujaf-254	34	13	state	state	PROPN
gujaf-254	34	14	.	.	PUNCT
gujaf-254	35	1	prof	prof	PROPN
gujaf-254	35	2	.	.	PUNCT
gujaf-254	36	1	salisu	salisu	PROPN
gujaf-254	36	2	abubakar	abubakar	PROPN
gujaf-254	36	3	department	department	PROPN
gujaf-254	36	4	of	of	ADP
gujaf-254	36	5	accounting	accounting	NOUN
gujaf-254	36	6	,	,	PUNCT
gujaf-254	36	7	ahmadu	ahmadu	PROPN
gujaf-254	36	8	bello	bello	PROPN
gujaf-254	36	9	university	university	PROPN
gujaf-254	36	10	zaria	zaria	PROPN
gujaf-254	36	11	,	,	PUNCT
gujaf-254	36	12	kaduna	kaduna	PROPN
gujaf-254	36	13	state	state	PROPN
gujaf-254	36	14	.	.	PUNCT
gujaf-254	37	1	prof	prof	PROPN
gujaf-254	37	2	.	.	PUNCT
gujaf-254	38	1	isaq	isaq	PROPN
gujaf-254	38	2	alhaji	alhaji	PROPN
gujaf-254	38	3	samaila	samaila	PROPN
gujaf-254	38	4	department	department	PROPN
gujaf-254	38	5	of	of	ADP
gujaf-254	38	6	accounting	accounting	PROPN
gujaf-254	38	7	,	,	PUNCT
gujaf-254	38	8	bayero	bayero	PROPN
gujaf-254	38	9	university	university	NOUN
gujaf-254	38	10	,	,	PUNCT
gujaf-254	38	11	kano	kano	PROPN
gujaf-254	38	12	state	state	PROPN
gujaf-254	38	13	.	.	PUNCT
gujaf-254	39	1	dr	dr	PROPN
gujaf-254	39	2	.	.	PROPN
gujaf-254	39	3	fatima	fatima	PROPN
gujaf-254	39	4	alfa	alfa	PROPN
gujaf-254	39	5	department	department	PROPN
gujaf-254	39	6	of	of	ADP
gujaf-254	39	7	accounting	accounting	PROPN
gujaf-254	39	8	,	,	PUNCT
gujaf-254	39	9	university	university	NOUN
gujaf-254	39	10	of	of	ADP
gujaf-254	39	11	maiduguri	maiduguri	PROPN
gujaf-254	39	12	,	,	PUNCT
gujaf-254	39	13	borno	borno	PROPN
gujaf-254	39	14	state	state	PROPN
gujaf-254	39	15	.	.	PUNCT
gujaf-254	40	1	dr	dr	PROPN
gujaf-254	40	2	.	.	PROPN
gujaf-254	40	3	sunusi	sunusi	PROPN
gujaf-254	40	4	sa'ad	sa'ad	PROPN
gujaf-254	40	5	ahmad	ahmad	PROPN
gujaf-254	40	6	department	department	PROPN
gujaf-254	40	7	of	of	ADP
gujaf-254	40	8	accounting	accounting	PROPN
gujaf-254	40	9	,	,	PUNCT
gujaf-254	40	10	federal	federal	ADJ
gujaf-254	40	11	university	university	NOUN
gujaf-254	40	12	dutse	dutse	NOUN
gujaf-254	40	13	,	,	PUNCT
gujaf-254	40	14	jigawa	jigawa	PROPN
gujaf-254	40	15	state	state	PROPN
gujaf-254	40	16	.	.	PUNCT
gujaf-254	41	1	dr	dr	PROPN
gujaf-254	41	2	.	.	PROPN
gujaf-254	41	3	nasiru	nasiru	PROPN
gujaf-254	41	4	a.	a.	PROPN
gujaf-254	41	5	ka’oje	ka’oje	PROPN
gujaf-254	41	6	department	department	PROPN
gujaf-254	41	7	of	of	ADP
gujaf-254	41	8	accounting	accounting	PROPN
gujaf-254	41	9	,	,	PUNCT
gujaf-254	41	10	usmanu	usmanu	PROPN
gujaf-254	41	11	danfodiyo	danfodiyo	PROPN
gujaf-254	41	12	university	university	PROPN
gujaf-254	41	13	sokoto	sokoto	PROPN
gujaf-254	41	14	state	state	PROPN
gujaf-254	41	15	.	.	PUNCT
gujaf-254	42	1	dr	dr	PROPN
gujaf-254	42	2	.	.	PROPN
gujaf-254	42	3	aminu	aminu	PROPN
gujaf-254	42	4	abdullahi	abdullahi	PROPN
gujaf-254	42	5	v	v	PROPN
gujaf-254	42	6	department	department	PROPN
gujaf-254	42	7	of	of	ADP
gujaf-254	42	8	accounting	accounting	PROPN
gujaf-254	42	9	,	,	PUNCT
gujaf-254	42	10	usmanu	usmanu	PROPN
gujaf-254	42	11	danfodiyo	danfodiyo	PROPN
gujaf-254	42	12	university	university	PROPN
gujaf-254	42	13	sokoto	sokoto	PROPN
gujaf-254	42	14	,	,	PUNCT
gujaf-254	42	15	state	state	PROPN
gujaf-254	42	16	.	.	PUNCT
gujaf-254	43	1	dr	dr	PROPN
gujaf-254	43	2	.	.	PROPN
gujaf-254	43	3	onipeadebenege	onipeadebenege	PROPN
gujaf-254	43	4	yahaya	yahaya	PROPN
gujaf-254	43	5	department	department	PROPN
gujaf-254	43	6	of	of	ADP
gujaf-254	43	7	accounting	accounting	PROPN
gujaf-254	43	8	,	,	PUNCT
gujaf-254	43	9	nigerian	nigerian	ADJ
gujaf-254	43	10	defence	defence	PROPN
gujaf-254	43	11	academy	academy	PROPN
gujaf-254	43	12	,	,	PUNCT
gujaf-254	43	13	kaduna	kaduna	PROPN
gujaf-254	43	14	state	state	PROPN
gujaf-254	43	15	.	.	PUNCT
gujaf-254	44	1	dr	dr	PROPN
gujaf-254	44	2	.	.	PROPN
gujaf-254	44	3	saidu	saidu	PROPN
gujaf-254	44	4	adamu	adamu	PROPN
gujaf-254	44	5	department	department	PROPN
gujaf-254	44	6	of	of	ADP
gujaf-254	44	7	accounting	accounting	PROPN
gujaf-254	44	8	,	,	PUNCT
gujaf-254	44	9	federal	federal	ADJ
gujaf-254	44	10	university	university	PROPN
gujaf-254	44	11	of	of	ADP
gujaf-254	44	12	kashere	kashere	PROPN
gujaf-254	44	13	,	,	PUNCT
gujaf-254	44	14	gombe	gombe	ADJ
gujaf-254	44	15	state	state	NOUN
gujaf-254	44	16	.	.	PUNCT
gujaf-254	45	1	dr	dr	PROPN
gujaf-254	45	2	.	.	PROPN
gujaf-254	45	3	nasiru	nasiru	PROPN
gujaf-254	45	4	yunusa	yunusa	PROPN
gujaf-254	45	5	department	department	PROPN
gujaf-254	45	6	of	of	ADP
gujaf-254	45	7	accounting	accounting	NOUN
gujaf-254	45	8	,	,	PUNCT
gujaf-254	45	9	ahmadu	ahmadu	PROPN
gujaf-254	45	10	bello	bello	PROPN
gujaf-254	45	11	university	university	PROPN
gujaf-254	45	12	zaria	zaria	PROPN
gujaf-254	45	13	.	.	PUNCT
gujaf-254	46	1	dr	dr	PROPN
gujaf-254	46	2	.	.	PROPN
gujaf-254	46	3	aisha	aisha	PROPN
gujaf-254	46	4	nuhu	nuhu	PROPN
gujaf-254	46	5	muhammad	muhammad	PROPN
gujaf-254	46	6	department	department	PROPN
gujaf-254	46	7	of	of	ADP
gujaf-254	46	8	accounting	accounting	PROPN
gujaf-254	46	9	,	,	PUNCT
gujaf-254	46	10	ahmadu	ahmadu	PROPN
gujaf-254	46	11	bello	bello	PROPN
gujaf-254	46	12	university	university	PROPN
gujaf-254	46	13	zaria	zaria	PROPN
gujaf-254	46	14	.	.	PUNCT
gujaf-254	47	1	dr	dr	PROPN
gujaf-254	47	2	.	.	PROPN
gujaf-254	47	3	lawal	lawal	PROPN
gujaf-254	47	4	muhammad	muhammad	PROPN
gujaf-254	47	5	department	department	PROPN
gujaf-254	47	6	of	of	ADP
gujaf-254	47	7	accounting	accounting	PROPN
gujaf-254	47	8	,	,	PUNCT
gujaf-254	47	9	ahmadu	ahmadu	PROPN
gujaf-254	47	10	bello	bello	PROPN
gujaf-254	47	11	university	university	PROPN
gujaf-254	47	12	zaria	zaria	PROPN
gujaf-254	47	13	.	.	PUNCT
gujaf-254	48	1	dr	dr	PROPN
gujaf-254	48	2	.	.	PROPN
gujaf-254	48	3	farouk	farouk	PROPN
gujaf-254	48	4	adeza	adeza	PROPN
gujaf-254	48	5	school	school	NOUN
gujaf-254	48	6	of	of	ADP
gujaf-254	48	7	business	business	NOUN
gujaf-254	48	8	and	and	CCONJ
gujaf-254	48	9	entrepreneurship	entrepreneurship	NOUN
gujaf-254	48	10	,	,	PUNCT
gujaf-254	48	11	american	american	PROPN
gujaf-254	48	12	university	university	PROPN
gujaf-254	48	13	of	of	ADP
gujaf-254	48	14	nigeria	nigeria	PROPN
gujaf-254	48	15	,	,	PUNCT
gujaf-254	48	16	yola	yola	PROPN
gujaf-254	48	17	.	.	PUNCT
gujaf-254	49	1	dr	dr	PROPN
gujaf-254	49	2	.	.	PROPN
gujaf-254	49	3	bashir	bashir	PROPN
gujaf-254	49	4	umar	umar	PROPN
gujaf-254	49	5	farouk	farouk	PROPN
gujaf-254	49	6	department	department	PROPN
gujaf-254	49	7	of	of	ADP
gujaf-254	49	8	economics	economic	NOUN
gujaf-254	49	9	,	,	PUNCT
gujaf-254	49	10	federal	federal	ADJ
gujaf-254	49	11	university	university	NOUN
gujaf-254	49	12	gusau	gusau	PROPN
gujaf-254	49	13	,	,	PUNCT
gujaf-254	49	14	zamfara	zamfara	PROPN
gujaf-254	49	15	state	state	PROPN
gujaf-254	49	16	.	.	PUNCT
gujaf-254	50	1	dr	dr	PROPN
gujaf-254	50	2	emmanuel	emmanuel	PROPN
gujaf-254	50	3	omokhuale	omokhuale	PROPN
gujaf-254	50	4	department	department	PROPN
gujaf-254	50	5	of	of	ADP
gujaf-254	50	6	mathematics	mathematics	PROPN
gujaf-254	50	7	,	,	PUNCT
gujaf-254	50	8	federal	federal	ADJ
gujaf-254	50	9	university	university	NOUN
gujaf-254	50	10	gusau	gusau	NOUN
gujaf-254	50	11	,	,	PUNCT
gujaf-254	50	12	zamfara	zamfara	PROPN
gujaf-254	50	13	.	.	PUNCT
gujaf-254	51	1	state	state	PROPN
gujaf-254	51	2	vi	vi	PROPN
gujaf-254	51	3	advisory	advisory	PROPN
gujaf-254	51	4	board	board	NOUN
gujaf-254	51	5	members	member	NOUN
gujaf-254	51	6	prof	prof	PROPN
gujaf-254	51	7	.	.	PUNCT
gujaf-254	52	1	kabiru	kabiru	PROPN
gujaf-254	52	2	isah	isah	PROPN
gujaf-254	52	3	dandago	dandago	PROPN
gujaf-254	52	4	,	,	PUNCT
gujaf-254	52	5	bayero	bayero	PROPN
gujaf-254	52	6	university	university	PROPN
gujaf-254	52	7	kano	kano	PROPN
gujaf-254	52	8	,	,	PUNCT
gujaf-254	52	9	kano	kano	PROPN
gujaf-254	52	10	state	state	PROPN
gujaf-254	52	11	.	.	PUNCT
gujaf-254	53	1	prof	prof	PROPN
gujaf-254	53	2	a	a	DET
gujaf-254	53	3	m	m	NOUN
gujaf-254	53	4	bashir	bashir	NOUN
gujaf-254	53	5	,	,	PUNCT
gujaf-254	53	6	usmanu	usmanu	PROPN
gujaf-254	53	7	danfodiyo	danfodiyo	PROPN
gujaf-254	53	8	university	university	PROPN
gujaf-254	53	9	sokoto	sokoto	PROPN
gujaf-254	53	10	,	,	PUNCT
gujaf-254	53	11	sokoto	sokoto	PROPN
gujaf-254	53	12	state	state	PROPN
gujaf-254	53	13	.	.	PUNCT
gujaf-254	54	1	prof	prof	PROPN
gujaf-254	54	2	.	.	PUNCT
gujaf-254	55	1	muhammad	muhammad	PROPN
gujaf-254	55	2	tanko	tanko	PROPN
gujaf-254	55	3	,	,	PUNCT
gujaf-254	55	4	kaduna	kaduna	PROPN
gujaf-254	55	5	state	state	PROPN
gujaf-254	55	6	university	university	PROPN
gujaf-254	55	7	,	,	PUNCT
gujaf-254	55	8	kaduna	kaduna	PROPN
gujaf-254	55	9	.	.	PROPN
gujaf-254	55	10	prof	prof	PROPN
gujaf-254	55	11	.	.	PUNCT
gujaf-254	55	12	bayero	bayero	PROPN
gujaf-254	56	1	a	a	DET
gujaf-254	56	2	m	m	NOUN
gujaf-254	56	3	sabir	sabir	NOUN
gujaf-254	56	4	,	,	PUNCT
gujaf-254	56	5	usmanu	usmanu	PROPN
gujaf-254	56	6	danfodiyo	danfodiyo	PROPN
gujaf-254	56	7	university	university	PROPN
gujaf-254	56	8	sokoto	sokoto	PROPN
gujaf-254	56	9	,	,	PUNCT
gujaf-254	56	10	sokoto	sokoto	PROPN
gujaf-254	56	11	state	state	PROPN
gujaf-254	56	12	.	.	PUNCT
gujaf-254	57	1	prof	prof	PROPN
gujaf-254	57	2	.	.	PUNCT
gujaf-254	58	1	aliyu	aliyu	PROPN
gujaf-254	58	2	sulaiman	sulaiman	PROPN
gujaf-254	58	3	kantudu	kantudu	PROPN
gujaf-254	58	4	,	,	PUNCT
gujaf-254	58	5	bayero	bayero	PROPN
gujaf-254	58	6	university	university	PROPN
gujaf-254	58	7	kano	kano	PROPN
gujaf-254	58	8	,	,	PUNCT
gujaf-254	58	9	kano	kano	PROPN
gujaf-254	58	10	state	state	PROPN
gujaf-254	58	11	.	.	PUNCT
gujaf-254	59	1	editorial	editorial	PROPN
gujaf-254	59	2	secretary	secretary	PROPN
gujaf-254	59	3	yazid	yazid	PROPN
gujaf-254	59	4	ibrahim	ibrahim	PROPN
gujaf-254	59	5	kabir	kabir	PROPN
gujaf-254	59	6	department	department	PROPN
gujaf-254	59	7	of	of	ADP
gujaf-254	59	8	accounting	accounting	NOUN
gujaf-254	59	9	and	and	CCONJ
gujaf-254	59	10	finance	finance	NOUN
gujaf-254	59	11	,	,	PUNCT
gujaf-254	59	12	federal	federal	ADJ
gujaf-254	59	13	university	university	NOUN
gujaf-254	59	14	gusau	gusau	PROPN
gujaf-254	59	15	,	,	PUNCT
gujaf-254	59	16	zamfara	zamfara	PROPN
gujaf-254	59	17	state	state	PROPN
gujaf-254	59	18	.	.	PUNCT
gujaf-254	60	1	vii	vii	PROPN
gujaf-254	60	2	call	call	PROPN
gujaf-254	60	3	for	for	ADP
gujaf-254	60	4	papers	paper	NOUN
gujaf-254	60	5	the	the	DET
gujaf-254	60	6	editorial	editorial	ADJ
gujaf-254	60	7	board	board	NOUN
gujaf-254	60	8	of	of	ADP
gujaf-254	60	9	gusau	gusau	PROPN
gujaf-254	60	10	journal	journal	PROPN
gujaf-254	60	11	of	of	ADP
gujaf-254	60	12	accounting	accounting	NOUN
gujaf-254	60	13	and	and	CCONJ
gujaf-254	60	14	finance	finance	NOUN
gujaf-254	60	15	(	(	PUNCT
gujaf-254	60	16	gujaf	gujaf	NOUN
gujaf-254	60	17	)	)	PUNCT
gujaf-254	60	18	is	be	AUX
gujaf-254	60	19	hereby	hereby	ADV
gujaf-254	60	20	inviting	invite	VERB
gujaf-254	60	21	authors	author	NOUN
gujaf-254	60	22	to	to	PART
gujaf-254	60	23	submit	submit	VERB
gujaf-254	60	24	their	their	PRON
gujaf-254	60	25	unpublished	unpublished	ADJ
gujaf-254	60	26	manuscript	manuscript	NOUN
gujaf-254	60	27	for	for	ADP
gujaf-254	60	28	publication	publication	NOUN
gujaf-254	60	29	.	.	PUNCT
gujaf-254	61	1	the	the	DET
gujaf-254	61	2	journal	journal	NOUN
gujaf-254	61	3	is	be	AUX
gujaf-254	61	4	published	publish	VERB
gujaf-254	61	5	in	in	ADP
gujaf-254	61	6	two	two	NUM
gujaf-254	61	7	issues	issue	NOUN
gujaf-254	61	8	of	of	ADP
gujaf-254	61	9	april	april	PROPN
gujaf-254	61	10	and	and	CCONJ
gujaf-254	61	11	october	october	PROPN
gujaf-254	61	12	annually	annually	ADV
gujaf-254	61	13	.	.	PUNCT
gujaf-254	62	1	gujaf	gujaf	NOUN
gujaf-254	62	2	is	be	AUX
gujaf-254	62	3	a	a	DET
gujaf-254	62	4	double	double	ADJ
gujaf-254	62	5	-	-	PUNCT
gujaf-254	62	6	blind	blind	ADJ
gujaf-254	62	7	peer	peer	NOUN
gujaf-254	62	8	reviewed	review	VERB
gujaf-254	62	9	journal	journal	NOUN
gujaf-254	62	10	published	publish	VERB
gujaf-254	62	11	by	by	ADP
gujaf-254	62	12	the	the	DET
gujaf-254	62	13	department	department	NOUN
gujaf-254	62	14	of	of	ADP
gujaf-254	62	15	accounting	accounting	NOUN
gujaf-254	62	16	and	and	CCONJ
gujaf-254	62	17	finance	finance	NOUN
gujaf-254	62	18	,	,	PUNCT
gujaf-254	62	19	faculty	faculty	NOUN
gujaf-254	62	20	of	of	ADP
gujaf-254	62	21	management	management	NOUN
gujaf-254	62	22	and	and	CCONJ
gujaf-254	62	23	social	social	ADJ
gujaf-254	62	24	sciences	science	NOUN
gujaf-254	62	25	,	,	PUNCT
gujaf-254	62	26	federal	federal	ADJ
gujaf-254	62	27	university	university	NOUN
gujaf-254	62	28	gusau	gusau	NOUN
gujaf-254	62	29	,	,	PUNCT
gujaf-254	62	30	zamfara	zamfara	PROPN
gujaf-254	62	31	state	state	PROPN
gujaf-254	62	32	nigeria	nigeria	PROPN
gujaf-254	62	33	the	the	DET
gujaf-254	62	34	journal	journal	PROPN
gujaf-254	62	35	accepts	accept	VERB
gujaf-254	62	36	papers	paper	NOUN
gujaf-254	62	37	in	in	ADP
gujaf-254	62	38	all	all	DET
gujaf-254	62	39	areas	area	NOUN
gujaf-254	62	40	of	of	ADP
gujaf-254	62	41	accounting	accounting	NOUN
gujaf-254	62	42	and	and	CCONJ
gujaf-254	62	43	finance	finance	NOUN
gujaf-254	62	44	for	for	ADP
gujaf-254	62	45	publication	publication	NOUN
gujaf-254	62	46	which	which	PRON
gujaf-254	62	47	include	include	VERB
gujaf-254	62	48	:	:	PUNCT
gujaf-254	62	49	accounting	accounting	NOUN
gujaf-254	62	50	standards	standard	NOUN
gujaf-254	62	51	,	,	PUNCT
gujaf-254	62	52	accounting	account	VERB
gujaf-254	62	53	information	information	NOUN
gujaf-254	62	54	system	system	NOUN
gujaf-254	62	55	,	,	PUNCT
gujaf-254	62	56	financial	financial	ADJ
gujaf-254	62	57	reporting	reporting	NOUN
gujaf-254	62	58	,	,	PUNCT
gujaf-254	62	59	earnings	earning	NOUN
gujaf-254	62	60	management	management	NOUN
gujaf-254	62	61	,	,	PUNCT
gujaf-254	62	62	,	,	PUNCT
gujaf-254	62	63	auditing	auditing	NOUN
gujaf-254	62	64	and	and	CCONJ
gujaf-254	62	65	investigation	investigation	NOUN
gujaf-254	62	66	,	,	PUNCT
gujaf-254	62	67	auditing	auditing	NOUN
gujaf-254	62	68	and	and	CCONJ
gujaf-254	62	69	standards	standard	NOUN
gujaf-254	62	70	,	,	PUNCT
gujaf-254	62	71	public	public	ADJ
gujaf-254	62	72	sector	sector	NOUN
gujaf-254	62	73	accounting	accounting	NOUN
gujaf-254	62	74	and	and	CCONJ
gujaf-254	62	75	auditing	auditing	NOUN
gujaf-254	62	76	,	,	PUNCT
gujaf-254	62	77	taxation	taxation	NOUN
gujaf-254	62	78	and	and	CCONJ
gujaf-254	62	79	revenue	revenue	NOUN
gujaf-254	62	80	administration	administration	NOUN
gujaf-254	62	81	,	,	PUNCT
gujaf-254	62	82	corporate	corporate	ADJ
gujaf-254	62	83	governance	governance	NOUN
gujaf-254	62	84	issues	issue	NOUN
gujaf-254	62	85	,	,	PUNCT
gujaf-254	62	86	corporate	corporate	ADJ
gujaf-254	62	87	social	social	ADJ
gujaf-254	62	88	responsibility	responsibility	NOUN
gujaf-254	62	89	,	,	PUNCT
gujaf-254	62	90	sustainability	sustainability	NOUN
gujaf-254	62	91	and	and	CCONJ
gujaf-254	62	92	environmental	environmental	ADJ
gujaf-254	62	93	reporting	reporting	NOUN
gujaf-254	62	94	issue	issue	NOUN
gujaf-254	62	95	,	,	PUNCT
gujaf-254	62	96	information	information	NOUN
gujaf-254	62	97	and	and	CCONJ
gujaf-254	62	98	communication	communication	NOUN
gujaf-254	62	99	technology	technology	NOUN
gujaf-254	62	100	issues	issue	NOUN
gujaf-254	62	101	,	,	PUNCT
gujaf-254	62	102	bankruptcy	bankruptcy	NOUN
gujaf-254	62	103	prediction	prediction	NOUN
gujaf-254	62	104	,	,	PUNCT
gujaf-254	62	105	corporate	corporate	ADJ
gujaf-254	62	106	finance	finance	NOUN
gujaf-254	62	107	,	,	PUNCT
gujaf-254	62	108	personal	personal	ADJ
gujaf-254	62	109	finance	finance	NOUN
gujaf-254	62	110	,	,	PUNCT
gujaf-254	62	111	merger	merger	NOUN
gujaf-254	62	112	and	and	CCONJ
gujaf-254	62	113	acquisitions	acquisition	NOUN
gujaf-254	62	114	,	,	PUNCT
gujaf-254	62	115	capital	capital	NOUN
gujaf-254	62	116	structure	structure	NOUN
gujaf-254	62	117	,	,	PUNCT
gujaf-254	62	118	working	work	VERB
gujaf-254	62	119	capital	capital	NOUN
gujaf-254	62	120	management	management	NOUN
gujaf-254	62	121	,	,	PUNCT
gujaf-254	62	122	enterprises	enterprise	NOUN
gujaf-254	62	123	risk	risk	NOUN
gujaf-254	62	124	management	management	NOUN
gujaf-254	62	125	,	,	PUNCT
gujaf-254	62	126	entrepreneurship	entrepreneurship	NOUN
gujaf-254	62	127	,	,	PUNCT
gujaf-254	62	128	international	international	ADJ
gujaf-254	62	129	business	business	NOUN
gujaf-254	62	130	accounting	accounting	NOUN
gujaf-254	62	131	and	and	CCONJ
gujaf-254	62	132	finance	finance	NOUN
gujaf-254	62	133	,	,	PUNCT
gujaf-254	62	134	banking	banking	NOUN
gujaf-254	62	135	crises	crisis	NOUN
gujaf-254	62	136	,	,	PUNCT
gujaf-254	62	137	bank	bank	NOUN
gujaf-254	62	138	’s	’s	PART
gujaf-254	62	139	profitability	profitability	NOUN
gujaf-254	62	140	,	,	PUNCT
gujaf-254	62	141	risk	risk	NOUN
gujaf-254	62	142	and	and	CCONJ
gujaf-254	62	143	insurance	insurance	NOUN
gujaf-254	62	144	issue	issue	NOUN
gujaf-254	62	145	,	,	PUNCT
gujaf-254	62	146	islamic	islamic	ADJ
gujaf-254	62	147	finance	finance	NOUN
gujaf-254	62	148	,	,	PUNCT
gujaf-254	62	149	conventional	conventional	ADJ
gujaf-254	62	150	and	and	CCONJ
gujaf-254	62	151	islamic	islamic	ADJ
gujaf-254	62	152	banks	bank	NOUN
gujaf-254	62	153	and	and	CCONJ
gujaf-254	62	154	so	so	ADV
gujaf-254	62	155	forth	forth	ADV
gujaf-254	62	156	.	.	PUNCT
gujaf-254	63	1	guidelines	guideline	NOUN
gujaf-254	63	2	for	for	ADP
gujaf-254	63	3	submission	submission	NOUN
gujaf-254	63	4	and	and	CCONJ
gujaf-254	63	5	manuscript	manuscript	NOUN
gujaf-254	63	6	format	format	VERB
gujaf-254	63	7	the	the	DET
gujaf-254	63	8	submission	submission	NOUN
gujaf-254	63	9	language	language	NOUN
gujaf-254	63	10	is	be	AUX
gujaf-254	63	11	english	english	PROPN
gujaf-254	63	12	and	and	CCONJ
gujaf-254	63	13	must	must	AUX
gujaf-254	63	14	be	be	AUX
gujaf-254	63	15	a	a	DET
gujaf-254	63	16	well	well	ADV
gujaf-254	63	17	-	-	PUNCT
gujaf-254	63	18	researched	research	VERB
gujaf-254	63	19	original	original	ADJ
gujaf-254	63	20	manuscript	manuscript	NOUN
gujaf-254	63	21	that	that	PRON
gujaf-254	63	22	has	have	AUX
gujaf-254	63	23	not	not	PART
gujaf-254	63	24	previously	previously	ADV
gujaf-254	63	25	been	be	AUX
gujaf-254	63	26	submitted	submit	VERB
gujaf-254	63	27	elsewhere	elsewhere	ADV
gujaf-254	63	28	for	for	ADP
gujaf-254	63	29	publication	publication	NOUN
gujaf-254	63	30	.	.	PUNCT
gujaf-254	64	1	the	the	DET
gujaf-254	64	2	paper	paper	NOUN
gujaf-254	64	3	should	should	AUX
gujaf-254	64	4	not	not	PART
gujaf-254	64	5	exceed	exceed	VERB
gujaf-254	64	6	more	more	ADJ
gujaf-254	64	7	than	than	ADP
gujaf-254	64	8	15	15	NUM
gujaf-254	64	9	pages	page	NOUN
gujaf-254	64	10	on	on	ADP
gujaf-254	64	11	a4	a4	NOUN
gujaf-254	64	12	type	type	NOUN
gujaf-254	64	13	paper	paper	NOUN
gujaf-254	64	14	in	in	ADP
gujaf-254	64	15	ms	ms	ADJ
gujaf-254	64	16	-	-	PUNCT
gujaf-254	64	17	word	word	NOUN
gujaf-254	64	18	format	format	NOUN
gujaf-254	64	19	,	,	PUNCT
gujaf-254	64	20	1.5	1.5	NUM
gujaf-254	64	21	-	-	PUNCT
gujaf-254	64	22	line	line	NOUN
gujaf-254	64	23	spacing	spacing	NOUN
gujaf-254	64	24	,	,	PUNCT
gujaf-254	64	25	12	12	NUM
gujaf-254	64	26	font	font	NOUN
gujaf-254	64	27	size	size	NOUN
gujaf-254	64	28	in	in	ADP
gujaf-254	64	29	times	time	NOUN
gujaf-254	64	30	new	new	ADJ
gujaf-254	64	31	roman	roman	NOUN
gujaf-254	64	32	.	.	PUNCT
gujaf-254	65	1	manuscript	manuscript	NOUN
gujaf-254	65	2	should	should	AUX
gujaf-254	65	3	be	be	AUX
gujaf-254	65	4	tested	test	VERB
gujaf-254	65	5	for	for	ADP
gujaf-254	65	6	plagiarism	plagiarism	NOUN
gujaf-254	65	7	before	before	ADP
gujaf-254	65	8	submission	submission	NOUN
gujaf-254	65	9	,	,	PUNCT
gujaf-254	65	10	as	as	SCONJ
gujaf-254	65	11	the	the	DET
gujaf-254	65	12	maximum	maximum	ADJ
gujaf-254	65	13	similarity	similarity	NOUN
gujaf-254	65	14	index	index	NOUN
gujaf-254	65	15	acceptable	acceptable	ADJ
gujaf-254	65	16	by	by	ADP
gujaf-254	65	17	gujaf	gujaf	NOUN
gujaf-254	65	18	is	be	AUX
gujaf-254	65	19	25	25	NUM
gujaf-254	65	20	percent	percent	NOUN
gujaf-254	65	21	.	.	PUNCT
gujaf-254	66	1	furthermore	furthermore	ADV
gujaf-254	66	2	,	,	PUNCT
gujaf-254	66	3	the	the	DET
gujaf-254	66	4	length	length	NOUN
gujaf-254	66	5	of	of	ADP
gujaf-254	66	6	a	a	DET
gujaf-254	66	7	complete	complete	ADJ
gujaf-254	66	8	article	article	NOUN
gujaf-254	66	9	should	should	AUX
gujaf-254	66	10	not	not	PART
gujaf-254	66	11	exceed	exceed	VERB
gujaf-254	66	12	5000	5000	NUM
gujaf-254	66	13	words	word	NOUN
gujaf-254	66	14	including	include	VERB
gujaf-254	66	15	an	an	DET
gujaf-254	66	16	abstract	abstract	NOUN
gujaf-254	66	17	of	of	ADP
gujaf-254	66	18	not	not	PART
gujaf-254	66	19	more	more	ADJ
gujaf-254	66	20	than	than	ADP
gujaf-254	66	21	250	250	NUM
gujaf-254	66	22	words	word	NOUN
gujaf-254	66	23	with	with	ADP
gujaf-254	66	24	a	a	DET
gujaf-254	66	25	minimum	minimum	NOUN
gujaf-254	66	26	of	of	ADP
gujaf-254	66	27	four	four	NUM
gujaf-254	66	28	key	key	ADJ
gujaf-254	66	29	words	word	NOUN
gujaf-254	66	30	immediately	immediately	ADV
gujaf-254	66	31	after	after	ADP
gujaf-254	66	32	the	the	DET
gujaf-254	66	33	abstract	abstract	NOUN
gujaf-254	66	34	.	.	PUNCT
gujaf-254	67	1	all	all	DET
gujaf-254	67	2	references	reference	NOUN
gujaf-254	67	3	including	include	VERB
gujaf-254	67	4	in	in	ADP
gujaf-254	67	5	text	text	NOUN
gujaf-254	67	6	citation	citation	NOUN
gujaf-254	67	7	and	and	CCONJ
gujaf-254	67	8	reference	reference	NOUN
gujaf-254	67	9	list	list	NOUN
gujaf-254	67	10	,	,	PUNCT
gujaf-254	67	11	tables	table	NOUN
gujaf-254	67	12	and	and	CCONJ
gujaf-254	67	13	figures	figure	NOUN
gujaf-254	67	14	should	should	AUX
gujaf-254	67	15	be	be	AUX
gujaf-254	67	16	in	in	ADP
gujaf-254	67	17	line	line	NOUN
gujaf-254	67	18	with	with	ADP
gujaf-254	67	19	apa	apa	PROPN
gujaf-254	67	20	7th	7th	PROPN
gujaf-254	67	21	edition	edition	NOUN
gujaf-254	67	22	publication	publication	NOUN
gujaf-254	67	23	manual	manual	NOUN
gujaf-254	67	24	.	.	PUNCT
gujaf-254	68	1	finally	finally	ADV
gujaf-254	68	2	,	,	PUNCT
gujaf-254	68	3	manuscript	manuscript	NOUN
gujaf-254	68	4	should	should	AUX
gujaf-254	68	5	be	be	AUX
gujaf-254	68	6	send	send	VERB
gujaf-254	68	7	to	to	ADP
gujaf-254	68	8	our	our	PRON
gujaf-254	68	9	email	email	NOUN
gujaf-254	68	10	address	address	NOUN
gujaf-254	68	11	elfarouk105@gmail.com	elfarouk105@gmail.com	X
gujaf-254	68	12	and	and	CCONJ
gujaf-254	68	13	a	a	DET
gujaf-254	68	14	copy	copy	NOUN
gujaf-254	68	15	to	to	ADP
gujaf-254	68	16	our	our	PRON
gujaf-254	68	17	website	website	NOUN
gujaf-254	68	18	on	on	ADP
gujaf-254	68	19	journals.gujaf.com.ng	journals.gujaf.com.ng	PROPN
gujaf-254	68	20	mailto:elfarouk105@gmail.com	mailto:elfarouk105@gmail.com	PROPN
gujaf-254	68	21	http://www.gujaf.com.ng/	http://www.gujaf.com.ng/	VERB
gujaf-254	68	22	viii	viii	ADJ
gujaf-254	68	23	publication	publication	NOUN
gujaf-254	68	24	procedure	procedure	NOUN
gujaf-254	68	25	after	after	ADP
gujaf-254	68	26	receiving	receive	VERB
gujaf-254	68	27	a	a	DET
gujaf-254	68	28	manuscript	manuscript	NOUN
gujaf-254	68	29	that	that	PRON
gujaf-254	68	30	is	be	AUX
gujaf-254	68	31	within	within	ADP
gujaf-254	68	32	the	the	DET
gujaf-254	68	33	similarity	similarity	NOUN
gujaf-254	68	34	index	index	NOUN
gujaf-254	68	35	threshold	threshold	NOUN
gujaf-254	68	36	,	,	PUNCT
gujaf-254	68	37	a	a	DET
gujaf-254	68	38	confirmation	confirmation	NOUN
gujaf-254	68	39	email	email	NOUN
gujaf-254	68	40	will	will	AUX
gujaf-254	68	41	be	be	AUX
gujaf-254	68	42	send	send	VERB
gujaf-254	68	43	together	together	ADV
gujaf-254	68	44	with	with	ADP
gujaf-254	68	45	a	a	DET
gujaf-254	68	46	request	request	NOUN
gujaf-254	68	47	to	to	PART
gujaf-254	68	48	pay	pay	VERB
gujaf-254	68	49	a	a	DET
gujaf-254	68	50	review	review	NOUN
gujaf-254	68	51	proceeding	proceeding	NOUN
gujaf-254	68	52	fee	fee	NOUN
gujaf-254	68	53	.	.	PUNCT
gujaf-254	69	1	at	at	ADP
gujaf-254	69	2	this	this	DET
gujaf-254	69	3	point	point	NOUN
gujaf-254	69	4	,	,	PUNCT
gujaf-254	69	5	the	the	DET
gujaf-254	69	6	editorial	editorial	ADJ
gujaf-254	69	7	board	board	NOUN
gujaf-254	69	8	will	will	AUX
gujaf-254	69	9	take	take	VERB
gujaf-254	69	10	a	a	DET
gujaf-254	69	11	decision	decision	NOUN
gujaf-254	69	12	on	on	ADP
gujaf-254	69	13	accepting	accept	VERB
gujaf-254	69	14	,	,	PUNCT
gujaf-254	69	15	rejecting	reject	VERB
gujaf-254	69	16	or	or	CCONJ
gujaf-254	69	17	making	make	VERB
gujaf-254	69	18	a	a	DET
gujaf-254	69	19	resubmission	resubmission	NOUN
gujaf-254	69	20	of	of	ADP
gujaf-254	69	21	the	the	DET
gujaf-254	69	22	manuscript	manuscript	NOUN
gujaf-254	69	23	based	base	VERB
gujaf-254	69	24	on	on	ADP
gujaf-254	69	25	the	the	DET
gujaf-254	69	26	outcome	outcome	NOUN
gujaf-254	69	27	of	of	ADP
gujaf-254	69	28	the	the	DET
gujaf-254	69	29	double	double	ADJ
gujaf-254	69	30	-	-	PUNCT
gujaf-254	69	31	blind	blind	ADJ
gujaf-254	69	32	peer	peer	NOUN
gujaf-254	69	33	review	review	NOUN
gujaf-254	69	34	.	.	PUNCT
gujaf-254	70	1	those	those	DET
gujaf-254	70	2	authors	author	NOUN
gujaf-254	70	3	whose	whose	DET
gujaf-254	70	4	manuscript	manuscript	NOUN
gujaf-254	70	5	were	be	AUX
gujaf-254	70	6	accepted	accept	VERB
gujaf-254	70	7	for	for	ADP
gujaf-254	70	8	publication	publication	NOUN
gujaf-254	70	9	will	will	AUX
gujaf-254	70	10	be	be	AUX
gujaf-254	70	11	asked	ask	VERB
gujaf-254	70	12	to	to	PART
gujaf-254	70	13	pay	pay	VERB
gujaf-254	70	14	a	a	DET
gujaf-254	70	15	publication	publication	NOUN
gujaf-254	70	16	fee	fee	NOUN
gujaf-254	70	17	,	,	PUNCT
gujaf-254	70	18	after	after	ADP
gujaf-254	70	19	effecting	effect	VERB
gujaf-254	70	20	all	all	DET
gujaf-254	70	21	suggested	suggest	VERB
gujaf-254	70	22	corrections	correction	NOUN
gujaf-254	70	23	and	and	CCONJ
gujaf-254	70	24	changes	change	NOUN
gujaf-254	70	25	made	make	VERB
gujaf-254	70	26	on	on	ADP
gujaf-254	70	27	the	the	DET
gujaf-254	70	28	manuscript	manuscript	NOUN
gujaf-254	70	29	.	.	PUNCT
gujaf-254	71	1	all	all	DET
gujaf-254	71	2	corrected	correct	VERB
gujaf-254	71	3	papers	paper	NOUN
gujaf-254	71	4	returned	return	VERB
gujaf-254	71	5	within	within	ADP
gujaf-254	71	6	the	the	DET
gujaf-254	71	7	specified	specify	VERB
gujaf-254	71	8	time	time	NOUN
gujaf-254	71	9	frame	frame	NOUN
gujaf-254	71	10	will	will	AUX
gujaf-254	71	11	be	be	AUX
gujaf-254	71	12	published	publish	VERB
gujaf-254	71	13	in	in	ADP
gujaf-254	71	14	that	that	DET
gujaf-254	71	15	issue	issue	NOUN
gujaf-254	71	16	.	.	PUNCT
gujaf-254	72	1	payment	payment	NOUN
gujaf-254	72	2	details	detail	NOUN
gujaf-254	72	3	bank	bank	NOUN
gujaf-254	72	4	:	:	PUNCT
gujaf-254	72	5	fcmb	fcmb	PROPN
gujaf-254	72	6	account	account	PROPN
gujaf-254	72	7	number	number	NOUN
gujaf-254	72	8	:	:	PUNCT
gujaf-254	72	9	7278465011	7278465011	NUM
gujaf-254	72	10	account	account	NOUN
gujaf-254	72	11	name	name	NOUN
gujaf-254	72	12	:	:	PUNCT
gujaf-254	72	13	gusau	gusau	PROPN
gujaf-254	72	14	journal	journal	NOUN
gujaf-254	72	15	of	of	ADP
gujaf-254	72	16	accounting	accounting	NOUN
gujaf-254	72	17	and	and	CCONJ
gujaf-254	72	18	finance	finance	NOUN
gujaf-254	72	19	for	for	ADP
gujaf-254	72	20	inquiry	inquiry	NOUN
gujaf-254	72	21	the	the	DET
gujaf-254	72	22	head	head	NOUN
gujaf-254	72	23	,	,	PUNCT
gujaf-254	72	24	department	department	NOUN
gujaf-254	72	25	of	of	ADP
gujaf-254	72	26	accounting	accounting	NOUN
gujaf-254	72	27	and	and	CCONJ
gujaf-254	72	28	finance	finance	NOUN
gujaf-254	72	29	,	,	PUNCT
gujaf-254	72	30	federal	federal	ADJ
gujaf-254	72	31	university	university	NOUN
gujaf-254	72	32	gusau	gusau	PROPN
gujaf-254	72	33	,	,	PUNCT
gujaf-254	72	34	zamfara	zamfara	PROPN
gujaf-254	72	35	state	state	PROPN
gujaf-254	72	36	.	.	PUNCT
gujaf-254	73	1	elfarouk105@gmail.com	elfarouk105@gmail.com	X
gujaf-254	74	1	+2348069393824	+2348069393824	PRON
gujaf-254	74	2	for	for	ADP
gujaf-254	74	3	more	more	ADJ
gujaf-254	74	4	information	information	NOUN
gujaf-254	74	5	,	,	PUNCT
gujaf-254	74	6	contact	contact	VERB
gujaf-254	74	7	the	the	DET
gujaf-254	74	8	editor	editor	NOUN
gujaf-254	74	9	-	-	PUNCT
gujaf-254	74	10	in	in	ADP
gujaf-254	74	11	-	-	PUNCT
gujaf-254	74	12	chief	chief	NOUN
gujaf-254	74	13	on	on	ADP
gujaf-254	74	14	+2348067766435	+2348067766435	NUM
gujaf-254	74	15	the	the	DET
gujaf-254	74	16	associate	associate	ADJ
gujaf-254	74	17	editor	editor	NOUN
gujaf-254	74	18	on	on	ADP
gujaf-254	74	19	+2348036057525	+2348036057525	NUM
gujaf-254	74	20	or	or	CCONJ
gujaf-254	74	21	visit	visit	VERB
gujaf-254	74	22	our	our	PRON
gujaf-254	74	23	website	website	NOUN
gujaf-254	74	24	on	on	ADP
gujaf-254	74	25	www.gujaf.com.ng	www.gujaf.com.ng	NOUN
gujaf-254	74	26	or	or	CCONJ
gujaf-254	74	27	journals.gujaf.com.ng	journals.gujaf.com.ng	PROPN
gujaf-254	75	1	http://www.gujaf.com.ng/	http://www.gujaf.com.ng/	PROPN
gujaf-254	75	2	http://www.gujaf.com.ng/	http://www.gujaf.com.ng/	PROPN
gujaf-254	75	3	ix	ix	PROPN
gujaf-254	75	4	contents	content	NOUN
gujaf-254	75	5	board	board	NOUN
gujaf-254	75	6	characteristics	characteristic	NOUN
gujaf-254	75	7	and	and	CCONJ
gujaf-254	75	8	financial	financial	ADJ
gujaf-254	75	9	performance	performance	NOUN
gujaf-254	75	10	:	:	PUNCT
gujaf-254	75	11	evidence	evidence	NOUN
gujaf-254	75	12	from	from	ADP
gujaf-254	75	13	listed	list	VERB
gujaf-254	75	14	deposit	deposit	NOUN
gujaf-254	75	15	money	money	NOUN
gujaf-254	75	16	banks	bank	NOUN
gujaf-254	75	17	in	in	ADP
gujaf-254	75	18	nigeria	nigeria	PROPN
gujaf-254	75	19	1	1	NUM
gujaf-254	75	20	abdullahi	abdullahi	PROPN
gujaf-254	75	21	bala	bala	PROPN
gujaf-254	75	22	ado	ado	PROPN
gujaf-254	75	23	,	,	PUNCT
gujaf-254	75	24	norfadzilah	norfadzilah	PROPN
gujaf-254	75	25	nik	nik	PROPN
gujaf-254	75	26	mohd	mohd	PROPN
gujaf-254	75	27	rashid	rashid	PROPN
gujaf-254	75	28	,	,	PUNCT
gujaf-254	75	29	sa’adatu	sa’adatu	PROPN
gujaf-254	75	30	b.	b.	PROPN
gujaf-254	75	31	adam	adam	PROPN
gujaf-254	75	32	,	,	PUNCT
gujaf-254	75	33	binta	binta	PROPN
gujaf-254	75	34	abubakar	abubakar	PROPN
gujaf-254	75	35	nuhu	nuhu	NOUN
gujaf-254	75	36	,	,	PUNCT
gujaf-254	75	37	hassanat	hassanat	PROPN
gujaf-254	75	38	salawu	salawu	NOUN
gujaf-254	75	39	salihu	salihu	PROPN
gujaf-254	75	40	and	and	CCONJ
gujaf-254	75	41	tariro	tariro	VERB
gujaf-254	75	42	masunda	masunda	NOUN
gujaf-254	75	43	welfare	welfare	NOUN
gujaf-254	75	44	,	,	PUNCT
gujaf-254	75	45	inflation	inflation	NOUN
gujaf-254	75	46	,	,	PUNCT
gujaf-254	75	47	and	and	CCONJ
gujaf-254	75	48	pension	pension	NOUN
gujaf-254	75	49	income	income	NOUN
gujaf-254	75	50	inequality	inequality	NOUN
gujaf-254	75	51	among	among	ADP
gujaf-254	75	52	the	the	DET
gujaf-254	75	53	bottom	bottom	NOUN
gujaf-254	75	54	and	and	CCONJ
gujaf-254	75	55	top	top	ADJ
gujaf-254	75	56	income	income	NOUN
gujaf-254	75	57	quintiles	quintile	NOUN
gujaf-254	75	58	and	and	CCONJ
gujaf-254	75	59	decile	decile	NOUN
gujaf-254	75	60	:	:	PUNCT
gujaf-254	75	61	an	an	DET
gujaf-254	75	62	implication	implication	NOUN
gujaf-254	75	63	of	of	ADP
gujaf-254	75	64	kaduna	kaduna	PROPN
gujaf-254	75	65	state	state	PROPN
gujaf-254	75	66	pension	pension	NOUN
gujaf-254	75	67	reform	reform	NOUN
gujaf-254	75	68	18	18	NUM
gujaf-254	75	69	prof	prof	NOUN
gujaf-254	75	70	.	.	PUNCT
gujaf-254	75	71	salamatu	salamatu	PROPN
gujaf-254	75	72	i.	i.	PROPN
gujaf-254	75	73	isah	isah	PROPN
gujaf-254	75	74	,	,	PUNCT
gujaf-254	75	75	ibrahim	ibrahim	PROPN
gujaf-254	75	76	kekere	kekere	PROPN
gujaf-254	75	77	sule	sule	PROPN
gujaf-254	75	78	(	(	PUNCT
gujaf-254	75	79	phd	phd	NOUN
gujaf-254	75	80	)	)	PUNCT
gujaf-254	75	81	political	political	ADJ
gujaf-254	75	82	connection	connection	NOUN
gujaf-254	75	83	,	,	PUNCT
gujaf-254	75	84	audit	audit	NOUN
gujaf-254	75	85	fees	fee	NOUN
gujaf-254	75	86	,	,	PUNCT
gujaf-254	75	87	audit	audit	NOUN
gujaf-254	75	88	quality	quality	NOUN
gujaf-254	75	89	,	,	PUNCT
gujaf-254	75	90	and	and	CCONJ
gujaf-254	75	91	tax	tax	NOUN
gujaf-254	75	92	avoidance	avoidance	NOUN
gujaf-254	75	93	31	31	NUM
gujaf-254	75	94	novita	novita	PROPN
gujaf-254	75	95	dwi	dwi	PROPN
gujaf-254	75	96	damayanti	damayanti	PROPN
gujaf-254	75	97	,	,	PUNCT
gujaf-254	75	98	m	m	VERB
gujaf-254	75	99	khoirurusydi	khoirurusydi	ADJ
gujaf-254	75	100	,	,	PUNCT
gujaf-254	75	101	wuryanandayani	wuryanandayani	ADJ
gujaf-254	75	102	firm	firm	ADJ
gujaf-254	75	103	attributes	attribute	NOUN
gujaf-254	75	104	and	and	CCONJ
gujaf-254	75	105	shareholder	shareholder	NOUN
gujaf-254	75	106	’s	’s	PART
gujaf-254	75	107	wealth	wealth	NOUN
gujaf-254	75	108	of	of	ADP
gujaf-254	75	109	listed	list	VERB
gujaf-254	75	110	deposit	deposit	NOUN
gujaf-254	75	111	money	money	NOUN
gujaf-254	75	112	banks	bank	NOUN
gujaf-254	75	113	in	in	ADP
gujaf-254	75	114	nigeria	nigeria	PROPN
gujaf-254	75	115	47	47	NUM
gujaf-254	75	116	a.a	a.a	PROPN
gujaf-254	75	117	.	.	PROPN
gujaf-254	75	118	mustapha	mustapha	PROPN
gujaf-254	75	119	,	,	PUNCT
gujaf-254	75	120	prof	prof	PROPN
gujaf-254	75	121	.	.	PUNCT
gujaf-254	76	1	m.s	m.s	PROPN
gujaf-254	76	2	.	.	PROPN
gujaf-254	76	3	tijjani	tijjani	PROPN
gujaf-254	76	4	,	,	PUNCT
gujaf-254	76	5	s.	s.	PROPN
gujaf-254	76	6	salami	salami	PROPN
gujaf-254	76	7	phd	phd	PROPN
gujaf-254	76	8	financial	financial	ADJ
gujaf-254	76	9	determinants	determinant	NOUN
gujaf-254	76	10	of	of	ADP
gujaf-254	76	11	entrepreneurship	entrepreneurship	NOUN
gujaf-254	76	12	in	in	ADP
gujaf-254	76	13	nigeria	nigeria	PROPN
gujaf-254	76	14	67	67	NUM
gujaf-254	76	15	precious	precious	ADJ
gujaf-254	76	16	adukwu	adukwu	NOUN
gujaf-254	76	17	,	,	PUNCT
gujaf-254	76	18	hyeladi	hyeladi	PROPN
gujaf-254	76	19	stanley	stanley	PROPN
gujaf-254	76	20	dibal	dibal	PROPN
gujaf-254	76	21	work	work	PROPN
gujaf-254	76	22	environment	environment	PROPN
gujaf-254	76	23	,	,	PUNCT
gujaf-254	76	24	remuneration	remuneration	NOUN
gujaf-254	76	25	and	and	CCONJ
gujaf-254	76	26	accounting	accounting	NOUN
gujaf-254	76	27	lecturers	lecturer	NOUN
gujaf-254	76	28	’	’	PART
gujaf-254	76	29	performance	performance	NOUN
gujaf-254	76	30	in	in	ADP
gujaf-254	76	31	polytechnics	polytechnic	NOUN
gujaf-254	76	32	in	in	ADP
gujaf-254	76	33	north	north	PROPN
gujaf-254	76	34	west	west	PROPN
gujaf-254	76	35	,	,	PUNCT
gujaf-254	76	36	nigeria	nigeria	PROPN
gujaf-254	76	37	88	88	NUM
gujaf-254	76	38	dr	dr	PROPN
gujaf-254	76	39	.	.	PROPN
gujaf-254	76	40	aliyu	aliyu	PROPN
gujaf-254	76	41	abdullahi	abdullahi	PROPN
gujaf-254	76	42	ahmed	ahmed	PROPN
gujaf-254	76	43	,	,	PUNCT
gujaf-254	76	44	rabiatu	rabiatu	NOUN
gujaf-254	76	45	ahmed	ahme	VERB
gujaf-254	76	46	relative	relative	ADJ
gujaf-254	76	47	efficiency	efficiency	NOUN
gujaf-254	76	48	of	of	ADP
gujaf-254	76	49	the	the	DET
gujaf-254	76	50	capital	capital	NOUN
gujaf-254	76	51	market	market	NOUN
gujaf-254	76	52	over	over	ADP
gujaf-254	76	53	the	the	DET
gujaf-254	76	54	money	money	NOUN
gujaf-254	76	55	market	market	NOUN
gujaf-254	76	56	in	in	ADP
gujaf-254	76	57	a	a	DET
gujaf-254	76	58	growth	growth	NOUN
gujaf-254	76	59	-	-	PUNCT
gujaf-254	76	60	financing	financing	NOUN
gujaf-254	76	61	economy	economy	NOUN
gujaf-254	76	62	110	110	NUM
gujaf-254	76	63	adedeji	adedeji	PROPN
gujaf-254	76	64	daniel	daniel	PROPN
gujaf-254	76	65	gbadebo	gbadebo	PROPN
gujaf-254	76	66	board	board	PROPN
gujaf-254	76	67	education	education	PROPN
gujaf-254	76	68	,	,	PUNCT
gujaf-254	76	69	director	director	NOUN
gujaf-254	76	70	's	's	PART
gujaf-254	76	71	age	age	NOUN
gujaf-254	76	72	and	and	CCONJ
gujaf-254	76	73	earnings	earning	NOUN
gujaf-254	76	74	management	management	NOUN
gujaf-254	76	75	of	of	ADP
gujaf-254	76	76	listed	list	VERB
gujaf-254	76	77	deposit	deposit	NOUN
gujaf-254	76	78	money	money	NOUN
gujaf-254	76	79	banks	bank	NOUN
gujaf-254	76	80	in	in	ADP
gujaf-254	76	81	nigeria	nigeria	PROPN
gujaf-254	76	82	131	131	NUM
gujaf-254	76	83	idris	idris	PROPN
gujaf-254	76	84	ibrahimphd	ibrahimphd	PROPN
gujaf-254	76	85	,	,	PUNCT
gujaf-254	76	86	prof	prof	PROPN
gujaf-254	76	87	.	.	PUNCT
gujaf-254	77	1	luka	luka	PROPN
gujaf-254	77	2	mailafia	mailafia	PROPN
gujaf-254	77	3	,	,	PUNCT
gujaf-254	77	4	salami	salami	ADJ
gujaf-254	77	5	suleiman	suleiman	PROPN
gujaf-254	77	6	phd	phd	PROPN
gujaf-254	77	7	ownership	ownership	NOUN
gujaf-254	77	8	concentration	concentration	NOUN
gujaf-254	77	9	’s	’s	PART
gujaf-254	77	10	moderating	moderate	VERB
gujaf-254	77	11	effect	effect	NOUN
gujaf-254	77	12	on	on	ADP
gujaf-254	77	13	dividend	dividend	NOUN
gujaf-254	77	14	payout	payout	NOUN
gujaf-254	77	15	and	and	CCONJ
gujaf-254	77	16	tobin	tobin	NOUN
gujaf-254	77	17	’s	’s	PART
gujaf-254	77	18	q	q	NOUN
gujaf-254	77	19	in	in	ADP
gujaf-254	77	20	the	the	DET
gujaf-254	77	21	nigerian	nigerian	ADJ
gujaf-254	77	22	consumer	consumer	NOUN
gujaf-254	77	23	goods	good	NOUN
gujaf-254	77	24	sector	sector	NOUN
gujaf-254	77	25	.	.	PUNCT
gujaf-254	78	1	149	149	NUM
gujaf-254	78	2	ovbe	ovbe	PROPN
gujaf-254	78	3	simon	simon	PROPN
gujaf-254	78	4	akpadaka	akpadaka	PROPN
gujaf-254	78	5	x	x	PROPN
gujaf-254	78	6	foreign	foreign	ADJ
gujaf-254	78	7	direct	direct	ADJ
gujaf-254	78	8	investment	investment	NOUN
gujaf-254	78	9	,	,	PUNCT
gujaf-254	78	10	renewable	renewable	ADJ
gujaf-254	78	11	energy	energy	NOUN
gujaf-254	78	12	and	and	CCONJ
gujaf-254	78	13	economic	economic	ADJ
gujaf-254	78	14	growth	growth	NOUN
gujaf-254	78	15	:	:	PUNCT
gujaf-254	78	16	an	an	DET
gujaf-254	78	17	empirical	empirical	ADJ
gujaf-254	78	18	analysis	analysis	NOUN
gujaf-254	78	19	from	from	ADP
gujaf-254	78	20	south	south	PROPN
gujaf-254	78	21	africa	africa	PROPN
gujaf-254	78	22	.	.	PUNCT
gujaf-254	79	1	167	167	NUM
gujaf-254	79	2	ahmed	ahmed	PROPN
gujaf-254	79	3	oluwatobi	oluwatobi	PROPN
gujaf-254	79	4	adekunle	adekunle	PROPN
gujaf-254	79	5	impact	impact	NOUN
gujaf-254	79	6	of	of	ADP
gujaf-254	79	7	digital	digital	ADJ
gujaf-254	79	8	financial	financial	ADJ
gujaf-254	79	9	services	service	NOUN
gujaf-254	79	10	on	on	ADP
gujaf-254	79	11	savings	saving	NOUN
gujaf-254	79	12	development	development	NOUN
gujaf-254	79	13	in	in	ADP
gujaf-254	79	14	nigeria	nigeria	PROPN
gujaf-254	79	15	182	182	NUM
gujaf-254	79	16	iro	iro	PROPN
gujaf-254	79	17	,	,	PUNCT
gujaf-254	79	18	onyinyechi	onyinyechi	NOUN
gujaf-254	79	19	adanna	adanna	NOUN
gujaf-254	79	20	,	,	PUNCT
gujaf-254	79	21	eke	eke	ADJ
gujaf-254	79	22	,	,	PUNCT
gujaf-254	79	23	patrick	patrick	PROPN
gujaf-254	79	24	omoruyi	omoruyi	PROPN
gujaf-254	79	25	,	,	PUNCT
gujaf-254	79	26	yunisa	yunisa	PROPN
gujaf-254	79	27	,	,	PUNCT
gujaf-254	79	28	simon	simon	PROPN
gujaf-254	79	29	amodu	amodu	PROPN
gujaf-254	79	30	,	,	PUNCT
gujaf-254	79	31	shekoni	shekoni	NOUN
gujaf-254	79	32	,	,	PUNCT
gujaf-254	79	33	nurudeen	nurudeen	NOUN
gujaf-254	79	34	adebayo	adebayo	PROPN
gujaf-254	79	35	account	account	PROPN
gujaf-254	79	36	receivable	receivable	ADJ
gujaf-254	79	37	management	management	NOUN
gujaf-254	79	38	and	and	CCONJ
gujaf-254	79	39	financial	financial	ADJ
gujaf-254	79	40	performance	performance	NOUN
gujaf-254	79	41	of	of	ADP
gujaf-254	79	42	listed	list	VERB
gujaf-254	79	43	consumer	consumer	NOUN
gujaf-254	79	44	goods	good	NOUN
gujaf-254	79	45	firms	firm	NOUN
gujaf-254	79	46	in	in	ADP
gujaf-254	79	47	nigeria	nigeria	PROPN
gujaf-254	79	48	209	209	NUM
gujaf-254	79	49	umar	umar	PROPN
gujaf-254	79	50	suleiman	suleiman	PROPN
gujaf-254	79	51	abubakar	abubakar	PROPN
gujaf-254	79	52	dabai	dabai	PROPN
gujaf-254	79	53	,	,	PUNCT
gujaf-254	79	54	biyai	biyai	PROPN
gujaf-254	79	55	shepnaan	shepnaan	PROPN
gujaf-254	79	56	,	,	PUNCT
gujaf-254	79	57	hajara	hajara	PROPN
gujaf-254	79	58	abubakar	abubakar	PROPN
gujaf-254	79	59	jimoh	jimoh	PROPN
gujaf-254	79	60	,	,	PUNCT
gujaf-254	79	61	haruna	haruna	PROPN
gujaf-254	79	62	halimah	halimah	PROPN
gujaf-254	79	63	sani	sani	PROPN
gujaf-254	79	64	sambo	sambo	PROPN
gujaf-254	79	65	phd	phd	PROPN
gujaf-254	79	66	stable	stable	ADJ
gujaf-254	79	67	dividend	dividend	NOUN
gujaf-254	79	68	policy	policy	NOUN
gujaf-254	79	69	and	and	CCONJ
gujaf-254	79	70	value	value	NOUN
gujaf-254	79	71	of	of	ADP
gujaf-254	79	72	listed	list	VERB
gujaf-254	79	73	healthcare	healthcare	NOUN
gujaf-254	79	74	firms	firm	NOUN
gujaf-254	79	75	in	in	ADP
gujaf-254	79	76	nigeria	nigeria	PROPN
gujaf-254	79	77	227	227	NUM
gujaf-254	79	78	maimuna	maimuna	PROPN
gujaf-254	79	79	adamu	adamu	PROPN
gujaf-254	79	80	salihu	salihu	PROPN
gujaf-254	79	81	,	,	PUNCT
gujaf-254	79	82	aminu	aminu	PROPN
gujaf-254	79	83	danladi	danladi	PROPN
gujaf-254	79	84	ahmad	ahmad	PROPN
gujaf-254	79	85	,	,	PUNCT
gujaf-254	79	86	zaharaddeen	zaharaddeen	NUM
gujaf-254	79	87	salisu	salisu	ADJ
gujaf-254	79	88	maigoshi	maigoshi	NOUN
gujaf-254	79	89	,	,	PUNCT
gujaf-254	79	90	naja'atu	naja'atu	ADJ
gujaf-254	79	91	bala	bala	NOUN
gujaf-254	79	92	rabiu	rabiu	VERB
gujaf-254	79	93	the	the	DET
gujaf-254	79	94	impact	impact	NOUN
gujaf-254	79	95	of	of	ADP
gujaf-254	79	96	monetary	monetary	ADJ
gujaf-254	79	97	policy	policy	NOUN
gujaf-254	79	98	on	on	ADP
gujaf-254	79	99	small	small	ADJ
gujaf-254	79	100	and	and	CCONJ
gujaf-254	79	101	medium	medium	ADJ
gujaf-254	79	102	scale	scale	NOUN
gujaf-254	79	103	enterprises	enterprise	NOUN
gujaf-254	79	104	(	(	PUNCT
gujaf-254	79	105	smes	sme	NOUN
gujaf-254	79	106	)	)	PUNCT
gujaf-254	79	107	in	in	ADP
gujaf-254	79	108	the	the	DET
gujaf-254	79	109	period	period	NOUN
gujaf-254	79	110	of	of	ADP
gujaf-254	79	111	economic	economic	ADJ
gujaf-254	79	112	crises	crisis	NOUN
gujaf-254	79	113	.	.	PUNCT
gujaf-254	80	1	240	240	NUM
gujaf-254	80	2	ahmed	ahmed	PROPN
gujaf-254	80	3	oluwatobi	oluwatobi	PROPN
gujaf-254	80	4	adekunle	adekunle	PROPN
gujaf-254	80	5	.	.	PUNCT
gujaf-254	81	1	ceo	ceo	NOUN
gujaf-254	81	2	age	age	NOUN
gujaf-254	81	3	and	and	CCONJ
gujaf-254	81	4	gender	gender	NOUN
gujaf-254	81	5	on	on	ADP
gujaf-254	81	6	financial	financial	ADJ
gujaf-254	81	7	distress	distress	NOUN
gujaf-254	81	8	likelihood	likelihood	NOUN
gujaf-254	81	9	of	of	ADP
gujaf-254	81	10	listed	list	VERB
gujaf-254	81	11	deposit	deposit	NOUN
gujaf-254	81	12	money	money	NOUN
gujaf-254	81	13	banks	bank	NOUN
gujaf-254	81	14	in	in	ADP
gujaf-254	81	15	nigeria	nigeria	PROPN
gujaf-254	81	16	:	:	PUNCT
gujaf-254	81	17	moderated	moderate	VERB
gujaf-254	81	18	by	by	ADP
gujaf-254	81	19	risk	risk	NOUN
gujaf-254	81	20	committee	committee	NOUN
gujaf-254	81	21	gender	gender	NOUN
gujaf-254	81	22	254	254	NUM
gujaf-254	81	23	idris	idris	PROPN
gujaf-254	81	24	mohammed	mohammed	PROPN
gujaf-254	81	25	,	,	PUNCT
gujaf-254	81	26	joshua	joshua	PROPN
gujaf-254	81	27	okpanachi	okpanachi	PROPN
gujaf-254	81	28	,	,	PUNCT
gujaf-254	81	29	onipeadabenege	onipeadabenege	PROPN
gujaf-254	81	30	yahaya	yahaya	PROPN
gujaf-254	81	31	,	,	PUNCT
gujaf-254	81	32	suleiman	suleiman	PROPN
gujaf-254	81	33	tauhid	tauhid	VERB
gujaf-254	81	34	182	182	NUM
gujaf-254	81	35	impact	impact	NOUN
gujaf-254	81	36	of	of	ADP
gujaf-254	81	37	digital	digital	ADJ
gujaf-254	81	38	financial	financial	ADJ
gujaf-254	81	39	services	service	NOUN
gujaf-254	81	40	on	on	ADP
gujaf-254	81	41	savings	saving	NOUN
gujaf-254	81	42	development	development	NOUN
gujaf-254	81	43	in	in	ADP
gujaf-254	81	44	nigeria	nigeria	PROPN
gujaf-254	81	45	iro	iro	PROPN
gujaf-254	81	46	,	,	PUNCT
gujaf-254	81	47	onyinyechi	onyinyechi	PROPN
gujaf-254	81	48	adanna	adanna	PROPN
gujaf-254	81	49	department	department	PROPN
gujaf-254	81	50	of	of	ADP
gujaf-254	81	51	finance	finance	PROPN
gujaf-254	81	52	lagos	lagos	PROPN
gujaf-254	81	53	state	state	PROPN
gujaf-254	81	54	university	university	PROPN
gujaf-254	81	55	,	,	PUNCT
gujaf-254	81	56	nigeria	nigeria	PROPN
gujaf-254	81	57	adairo18@gmail.com	adairo18@gmail.com	X
gujaf-254	81	58	eke	eke	ADJ
gujaf-254	81	59	,	,	PUNCT
gujaf-254	81	60	patrick	patrick	PROPN
gujaf-254	81	61	omoruyi	omoruyi	PROPN
gujaf-254	81	62	department	department	PROPN
gujaf-254	81	63	of	of	ADP
gujaf-254	81	64	finance	finance	PROPN
gujaf-254	81	65	lagos	lagos	PROPN
gujaf-254	81	66	state	state	PROPN
gujaf-254	81	67	university	university	PROPN
gujaf-254	81	68	,	,	PUNCT
gujaf-254	81	69	nigeria	nigeria	PROPN
gujaf-254	82	1	ekeopatrick@gmail.com	ekeopatrick@gmail.com	PROPN
gujaf-254	83	1	yunisa	yunisa	PROPN
gujaf-254	83	2	,	,	PUNCT
gujaf-254	83	3	simon	simon	PROPN
gujaf-254	83	4	amodu	amodu	PROPN
gujaf-254	83	5	department	department	PROPN
gujaf-254	83	6	of	of	ADP
gujaf-254	83	7	finance	finance	PROPN
gujaf-254	83	8	lagos	lagos	PROPN
gujaf-254	83	9	state	state	PROPN
gujaf-254	83	10	university	university	PROPN
gujaf-254	83	11	,	,	PUNCT
gujaf-254	83	12	nigeria	nigeria	PROPN
gujaf-254	83	13	yunisasimon@yahoo.com	yunisasimon@yahoo.com	PROPN
gujaf-254	84	1	shekoni	shekoni	PROPN
gujaf-254	84	2	,	,	PUNCT
gujaf-254	84	3	nurudeen	nurudeen	PRON
gujaf-254	84	4	adebayo	adebayo	PROPN
gujaf-254	84	5	department	department	PROPN
gujaf-254	84	6	of	of	ADP
gujaf-254	84	7	finance	finance	PROPN
gujaf-254	84	8	lagos	lagos	PROPN
gujaf-254	84	9	state	state	PROPN
gujaf-254	84	10	university	university	PROPN
gujaf-254	84	11	,	,	PUNCT
gujaf-254	84	12	nigeria	nigeria	PROPN
gujaf-254	84	13	shekoninurudeen@gmail.com	shekoninurudeen@gmail.com	X
gujaf-254	85	1	abstract	abstract	ADJ
gujaf-254	85	2	this	this	DET
gujaf-254	85	3	study	study	NOUN
gujaf-254	85	4	examines	examine	VERB
gujaf-254	85	5	the	the	DET
gujaf-254	85	6	impact	impact	NOUN
gujaf-254	85	7	of	of	ADP
gujaf-254	85	8	digital	digital	ADJ
gujaf-254	85	9	financial	financial	ADJ
gujaf-254	85	10	services	service	NOUN
gujaf-254	85	11	(	(	PUNCT
gujaf-254	85	12	dfs	dfs	PROPN
gujaf-254	85	13	)	)	PUNCT
gujaf-254	85	14	on	on	ADP
gujaf-254	85	15	savings	saving	NOUN
gujaf-254	85	16	development	development	NOUN
gujaf-254	85	17	in	in	ADP
gujaf-254	85	18	nigeria	nigeria	PROPN
gujaf-254	85	19	,	,	PUNCT
gujaf-254	85	20	from	from	ADP
gujaf-254	85	21	2009	2009	NUM
gujaf-254	85	22	to	to	ADP
gujaf-254	85	23	2021	2021	NUM
gujaf-254	85	24	,	,	PUNCT
gujaf-254	85	25	using	use	VERB
gujaf-254	85	26	the	the	DET
gujaf-254	85	27	autoregressive	autoregressive	ADJ
gujaf-254	85	28	distributed	distribute	VERB
gujaf-254	85	29	lag	lag	NOUN
gujaf-254	85	30	(	(	PUNCT
gujaf-254	85	31	ardl	ardl	NOUN
gujaf-254	85	32	)	)	PUNCT
gujaf-254	85	33	method	method	NOUN
gujaf-254	85	34	.	.	PUNCT
gujaf-254	86	1	a	a	DET
gujaf-254	86	2	phenomenon	phenomenon	NOUN
gujaf-254	86	3	in	in	ADP
gujaf-254	86	4	the	the	DET
gujaf-254	86	5	annals	annal	NOUN
gujaf-254	86	6	of	of	ADP
gujaf-254	86	7	nigeria	nigeria	PROPN
gujaf-254	86	8	’s	’s	PART
gujaf-254	86	9	financial	financial	ADJ
gujaf-254	86	10	system	system	NOUN
gujaf-254	86	11	,	,	PUNCT
gujaf-254	86	12	is	be	AUX
gujaf-254	86	13	the	the	DET
gujaf-254	86	14	funding	funding	NOUN
gujaf-254	86	15	-	-	PUNCT
gujaf-254	86	16	gap	gap	NOUN
gujaf-254	86	17	to	to	PART
gujaf-254	86	18	meeting	meet	VERB
gujaf-254	86	19	her	her	PRON
gujaf-254	86	20	development	development	NOUN
gujaf-254	86	21	needs	need	NOUN
gujaf-254	86	22	,	,	PUNCT
gujaf-254	86	23	evidenced	evidence	VERB
gujaf-254	86	24	in	in	ADP
gujaf-254	86	25	rising	rise	VERB
gujaf-254	86	26	interest	interest	NOUN
gujaf-254	86	27	rates	rate	NOUN
gujaf-254	86	28	,	,	PUNCT
gujaf-254	86	29	increasing	increase	VERB
gujaf-254	86	30	budget	budget	NOUN
gujaf-254	86	31	deficit	deficit	NOUN
gujaf-254	86	32	,	,	PUNCT
gujaf-254	86	33	failure	failure	NOUN
gujaf-254	86	34	of	of	ADP
gujaf-254	86	35	national	national	ADJ
gujaf-254	86	36	development	development	NOUN
gujaf-254	86	37	plans	plan	NOUN
gujaf-254	86	38	,	,	PUNCT
gujaf-254	86	39	etc	etc	X
gujaf-254	86	40	,	,	PUNCT
gujaf-254	86	41	which	which	PRON
gujaf-254	86	42	this	this	DET
gujaf-254	86	43	study	study	NOUN
gujaf-254	86	44	attributes	attribute	VERB
gujaf-254	86	45	to	to	ADP
gujaf-254	86	46	lack	lack	NOUN
gujaf-254	86	47	of	of	ADP
gujaf-254	86	48	digital	digital	ADJ
gujaf-254	86	49	savings	saving	NOUN
gujaf-254	86	50	facilities	facility	NOUN
gujaf-254	86	51	.	.	PUNCT
gujaf-254	87	1	the	the	DET
gujaf-254	87	2	findings	finding	NOUN
gujaf-254	87	3	revealed	reveal	VERB
gujaf-254	87	4	that	that	SCONJ
gujaf-254	87	5	in	in	ADP
gujaf-254	87	6	the	the	DET
gujaf-254	87	7	long	long	ADV
gujaf-254	87	8	-	-	PUNCT
gujaf-254	87	9	run	run	VERB
gujaf-254	87	10	,	,	PUNCT
gujaf-254	87	11	automated	automate	VERB
gujaf-254	87	12	teller	teller	NOUN
gujaf-254	87	13	machine	machine	NOUN
gujaf-254	87	14	(	(	PUNCT
gujaf-254	87	15	atm	atm	NOUN
gujaf-254	87	16	)	)	PUNCT
gujaf-254	87	17	has	have	VERB
gujaf-254	87	18	positive	positive	ADJ
gujaf-254	87	19	effect	effect	NOUN
gujaf-254	87	20	on	on	ADP
gujaf-254	87	21	total	total	ADJ
gujaf-254	87	22	savings	saving	NOUN
gujaf-254	87	23	(	(	PUNCT
gujaf-254	87	24	ts	ts	NOUN
gujaf-254	87	25	)	)	PUNCT
gujaf-254	87	26	while	while	SCONJ
gujaf-254	87	27	web	web	NOUN
gujaf-254	87	28	transfer	transfer	NOUN
gujaf-254	87	29	(	(	PUNCT
gujaf-254	87	30	wt	wt	NOUN
gujaf-254	87	31	)	)	PUNCT
gujaf-254	87	32	,	,	PUNCT
gujaf-254	87	33	mobile	mobile	NOUN
gujaf-254	87	34	transfer	transfer	NOUN
gujaf-254	87	35	(	(	PUNCT
gujaf-254	87	36	mt	mt	PROPN
gujaf-254	87	37	)	)	PUNCT
gujaf-254	87	38	,	,	PUNCT
gujaf-254	87	39	and	and	CCONJ
gujaf-254	87	40	point	point	NOUN
gujaf-254	87	41	of	of	ADP
gujaf-254	87	42	sales	sale	NOUN
gujaf-254	87	43	(	(	PUNCT
gujaf-254	87	44	pos	pos	NOUN
gujaf-254	87	45	)	)	PUNCT
gujaf-254	87	46	have	have	VERB
gujaf-254	87	47	negative	negative	ADJ
gujaf-254	87	48	longrun	longrun	ADJ
gujaf-254	87	49	effect	effect	NOUN
gujaf-254	87	50	on	on	ADP
gujaf-254	87	51	ts	ts	PROPN
gujaf-254	87	52	.	.	PUNCT
gujaf-254	88	1	it	it	PRON
gujaf-254	88	2	implies	imply	VERB
gujaf-254	88	3	that	that	SCONJ
gujaf-254	88	4	,	,	PUNCT
gujaf-254	88	5	in	in	ADP
gujaf-254	88	6	the	the	DET
gujaf-254	88	7	long	long	ADV
gujaf-254	88	8	-	-	PUNCT
gujaf-254	88	9	run	run	NOUN
gujaf-254	88	10	,	,	PUNCT
gujaf-254	88	11	atm	atm	ADV
gujaf-254	88	12	may	may	AUX
gujaf-254	88	13	develop	develop	VERB
gujaf-254	88	14	savings	saving	NOUN
gujaf-254	88	15	potency	potency	NOUN
gujaf-254	88	16	of	of	ADP
gujaf-254	88	17	the	the	DET
gujaf-254	88	18	saver	saver	ADJ
gujaf-254	88	19	,	,	PUNCT
gujaf-254	88	20	perhaps	perhaps	ADV
gujaf-254	88	21	by	by	ADP
gujaf-254	88	22	technological	technological	ADJ
gujaf-254	88	23	instinct	instinct	NOUN
gujaf-254	88	24	and	and	CCONJ
gujaf-254	88	25	capacity	capacity	NOUN
gujaf-254	88	26	.	.	PUNCT
gujaf-254	89	1	the	the	DET
gujaf-254	89	2	study	study	NOUN
gujaf-254	89	3	upholds	uphold	VERB
gujaf-254	89	4	the	the	DET
gujaf-254	89	5	technology	technology	NOUN
gujaf-254	89	6	acceptance	acceptance	NOUN
gujaf-254	89	7	theory	theory	NOUN
gujaf-254	89	8	,	,	PUNCT
gujaf-254	89	9	that	that	SCONJ
gujaf-254	89	10	digital	digital	ADJ
gujaf-254	89	11	technology	technology	NOUN
gujaf-254	89	12	may	may	AUX
gujaf-254	89	13	develop	develop	VERB
gujaf-254	89	14	savings	saving	NOUN
gujaf-254	89	15	in	in	ADP
gujaf-254	89	16	nigeria	nigeria	PROPN
gujaf-254	89	17	.	.	PUNCT
gujaf-254	90	1	based	base	VERB
gujaf-254	90	2	on	on	ADP
gujaf-254	90	3	these	these	DET
gujaf-254	90	4	findings	finding	NOUN
gujaf-254	90	5	,	,	PUNCT
gujaf-254	90	6	the	the	DET
gujaf-254	90	7	central	central	ADJ
gujaf-254	90	8	bank	bank	PROPN
gujaf-254	90	9	of	of	ADP
gujaf-254	90	10	nigeria	nigeria	PROPN
gujaf-254	90	11	needs	need	VERB
gujaf-254	90	12	to	to	PART
gujaf-254	90	13	create	create	VERB
gujaf-254	90	14	an	an	DET
gujaf-254	90	15	enabling	enable	VERB
gujaf-254	90	16	environment	environment	NOUN
gujaf-254	90	17	and	and	CCONJ
gujaf-254	90	18	policies	policy	NOUN
gujaf-254	90	19	to	to	PART
gujaf-254	90	20	encourage	encourage	VERB
gujaf-254	90	21	the	the	DET
gujaf-254	90	22	innovation	innovation	NOUN
gujaf-254	90	23	of	of	ADP
gujaf-254	90	24	more	more	ADJ
gujaf-254	90	25	digital	digital	ADJ
gujaf-254	90	26	savings	saving	NOUN
gujaf-254	90	27	platforms	platform	NOUN
gujaf-254	90	28	to	to	PART
gujaf-254	90	29	diversify	diversify	VERB
gujaf-254	90	30	and	and	CCONJ
gujaf-254	90	31	increase	increase	VERB
gujaf-254	90	32	savings	saving	NOUN
gujaf-254	90	33	.	.	PUNCT
gujaf-254	91	1	financial	financial	ADJ
gujaf-254	91	2	institutions	institution	NOUN
gujaf-254	91	3	should	should	AUX
gujaf-254	91	4	design	design	VERB
gujaf-254	91	5	userfriendly	userfriendly	ADV
gujaf-254	91	6	interfaces	interface	NOUN
gujaf-254	91	7	that	that	PRON
gujaf-254	91	8	could	could	AUX
gujaf-254	91	9	facilitate	facilitate	VERB
gujaf-254	91	10	savings	saving	NOUN
gujaf-254	91	11	and	and	CCONJ
gujaf-254	91	12	educate	educate	VERB
gujaf-254	91	13	bank	bank	NOUN
gujaf-254	91	14	service	service	NOUN
gujaf-254	91	15	consumers	consumer	NOUN
gujaf-254	91	16	about	about	ADP
gujaf-254	91	17	the	the	DET
gujaf-254	91	18	benefits	benefit	NOUN
gujaf-254	91	19	of	of	ADP
gujaf-254	91	20	using	use	VERB
gujaf-254	91	21	atm	atm	NOUN
gujaf-254	91	22	savings	saving	NOUN
gujaf-254	91	23	platform	platform	NOUN
gujaf-254	91	24	.	.	PUNCT
gujaf-254	92	1	fiscal	fiscal	ADJ
gujaf-254	92	2	incentives	incentive	NOUN
gujaf-254	92	3	should	should	AUX
gujaf-254	92	4	be	be	AUX
gujaf-254	92	5	provided	provide	VERB
gujaf-254	92	6	to	to	PART
gujaf-254	92	7	boost	boost	VERB
gujaf-254	92	8	savings	saving	NOUN
gujaf-254	92	9	via	via	ADP
gujaf-254	92	10	atm	atm	NOUN
gujaf-254	92	11	.	.	PUNCT
gujaf-254	93	1	further	further	ADJ
gujaf-254	93	2	studies	study	NOUN
gujaf-254	93	3	on	on	ADP
gujaf-254	93	4	savings	saving	NOUN
gujaf-254	93	5	development	development	NOUN
gujaf-254	93	6	are	be	AUX
gujaf-254	93	7	suggested	suggest	VERB
gujaf-254	93	8	to	to	PART
gujaf-254	93	9	apply	apply	VERB
gujaf-254	93	10	different	different	ADJ
gujaf-254	93	11	methods	method	NOUN
gujaf-254	93	12	to	to	PART
gujaf-254	93	13	test	test	VERB
gujaf-254	93	14	the	the	DET
gujaf-254	93	15	potency	potency	NOUN
gujaf-254	93	16	of	of	ADP
gujaf-254	93	17	all	all	DET
gujaf-254	93	18	digital	digital	ADJ
gujaf-254	93	19	platforms	platform	NOUN
gujaf-254	93	20	.	.	PUNCT
gujaf-254	94	1	keywords	keyword	NOUN
gujaf-254	94	2	:	:	PUNCT
gujaf-254	94	3	digital	digital	ADJ
gujaf-254	94	4	financial	financial	ADJ
gujaf-254	94	5	services	services	PROPN
gujaf-254	94	6	,	,	PUNCT
gujaf-254	94	7	nigeria	nigeria	PRON
gujaf-254	94	8	,	,	PUNCT
gujaf-254	94	9	savings	saving	NOUN
gujaf-254	94	10	development	development	NOUN
gujaf-254	94	11	mailto:adairo18@gmail.com	mailto:adairo18@gmail.com	PROPN
gujaf-254	94	12	mailto:ekeopatrick@gmail.com	mailto:ekeopatrick@gmail.com	PROPN
gujaf-254	94	13	mailto:yunisasimon@yahoo.com	mailto:yunisasimon@yahoo.com	PROPN
gujaf-254	94	14	mailto:shekoninurudeen@gmail.com	mailto:shekoninurudeen@gmail.com	X
gujaf-254	95	1	doi	doi	PROPN
gujaf-254	95	2	:	:	PUNCT
gujaf-254	95	3	https://doi.org/10.57233/gujaf.v4i2.11	https://doi.org/10.57233/gujaf.v4i2.11	PROPN
gujaf-254	95	4	183	183	NUM
gujaf-254	95	5	jel	jel	PROPN
gujaf-254	95	6	code	code	PROPN
gujaf-254	95	7	:	:	PUNCT
gujaf-254	95	8	g23	g23	PROPN
gujaf-254	95	9	,	,	PUNCT
gujaf-254	95	10	n27	n27	PROPN
gujaf-254	95	11	,	,	PUNCT
gujaf-254	95	12	g51	g51	ADJ
gujaf-254	95	13	1	1	NUM
gujaf-254	95	14	.	.	PUNCT
gujaf-254	96	1	introduction	introduction	NOUN
gujaf-254	96	2	the	the	DET
gujaf-254	96	3	financial	financial	ADJ
gujaf-254	96	4	services	service	NOUN
gujaf-254	96	5	sector	sector	NOUN
gujaf-254	96	6	has	have	AUX
gujaf-254	96	7	contributed	contribute	VERB
gujaf-254	96	8	in	in	ADP
gujaf-254	96	9	no	no	DET
gujaf-254	96	10	small	small	ADJ
gujaf-254	96	11	way	way	NOUN
gujaf-254	96	12	to	to	ADP
gujaf-254	96	13	nigeria	nigeria	PROPN
gujaf-254	96	14	having	have	VERB
gujaf-254	96	15	the	the	DET
gujaf-254	96	16	largest	large	ADJ
gujaf-254	96	17	economy	economy	NOUN
gujaf-254	96	18	in	in	ADP
gujaf-254	96	19	africa	africa	PROPN
gujaf-254	96	20	.	.	PUNCT
gujaf-254	97	1	over	over	ADP
gujaf-254	97	2	time	time	NOUN
gujaf-254	97	3	,	,	PUNCT
gujaf-254	97	4	the	the	DET
gujaf-254	97	5	sector	sector	NOUN
gujaf-254	97	6	has	have	AUX
gujaf-254	97	7	witnessed	witness	VERB
gujaf-254	97	8	increased	increase	VERB
gujaf-254	97	9	transformations	transformation	NOUN
gujaf-254	97	10	.	.	PUNCT
gujaf-254	98	1	digital	digital	ADJ
gujaf-254	98	2	financial	financial	ADJ
gujaf-254	98	3	services	service	NOUN
gujaf-254	98	4	are	be	AUX
gujaf-254	98	5	among	among	ADP
gujaf-254	98	6	the	the	DET
gujaf-254	98	7	technological	technological	ADJ
gujaf-254	98	8	advancements	advancement	NOUN
gujaf-254	98	9	that	that	PRON
gujaf-254	98	10	the	the	DET
gujaf-254	98	11	financial	financial	ADJ
gujaf-254	98	12	sector	sector	NOUN
gujaf-254	98	13	of	of	ADP
gujaf-254	98	14	developing	develop	VERB
gujaf-254	98	15	economies	economy	NOUN
gujaf-254	98	16	has	have	AUX
gujaf-254	98	17	experienced	experience	VERB
gujaf-254	98	18	.	.	PUNCT
gujaf-254	99	1	according	accord	VERB
gujaf-254	99	2	to	to	ADP
gujaf-254	99	3	world	world	PROPN
gujaf-254	99	4	bank	bank	PROPN
gujaf-254	99	5	(	(	PUNCT
gujaf-254	99	6	2020	2020	NUM
gujaf-254	99	7	)	)	PUNCT
gujaf-254	99	8	report	report	NOUN
gujaf-254	99	9	,	,	PUNCT
gujaf-254	99	10	digital	digital	ADJ
gujaf-254	99	11	financial	financial	ADJ
gujaf-254	99	12	services	service	NOUN
gujaf-254	99	13	(	(	PUNCT
gujaf-254	99	14	dfs	dfs	PROPN
gujaf-254	99	15	)	)	PUNCT
gujaf-254	99	16	are	be	AUX
gujaf-254	99	17	types	type	NOUN
gujaf-254	99	18	of	of	ADP
gujaf-254	99	19	financial	financial	ADJ
gujaf-254	99	20	products	product	NOUN
gujaf-254	99	21	that	that	PRON
gujaf-254	99	22	are	be	AUX
gujaf-254	99	23	delivered	deliver	VERB
gujaf-254	99	24	to	to	ADP
gujaf-254	99	25	customers	customer	NOUN
gujaf-254	99	26	using	use	VERB
gujaf-254	99	27	digital	digital	ADJ
gujaf-254	99	28	technologies	technology	NOUN
gujaf-254	99	29	.	.	PUNCT
gujaf-254	100	1	however	however	ADV
gujaf-254	100	2	,	,	PUNCT
gujaf-254	100	3	financial	financial	ADJ
gujaf-254	100	4	products	product	NOUN
gujaf-254	100	5	and	and	CCONJ
gujaf-254	100	6	services	service	NOUN
gujaf-254	100	7	,	,	PUNCT
gujaf-254	100	8	such	such	ADJ
gujaf-254	100	9	as	as	ADP
gujaf-254	100	10	payments	payment	NOUN
gujaf-254	100	11	,	,	PUNCT
gujaf-254	100	12	transfers	transfer	NOUN
gujaf-254	100	13	,	,	PUNCT
gujaf-254	100	14	savings	saving	NOUN
gujaf-254	100	15	,	,	PUNCT
gujaf-254	100	16	credit	credit	NOUN
gujaf-254	100	17	,	,	PUNCT
gujaf-254	100	18	insurance	insurance	NOUN
gujaf-254	100	19	,	,	PUNCT
gujaf-254	100	20	securities	security	NOUN
gujaf-254	100	21	,	,	PUNCT
gujaf-254	100	22	financial	financial	ADJ
gujaf-254	100	23	planning	planning	NOUN
gujaf-254	100	24	,	,	PUNCT
gujaf-254	100	25	and	and	CCONJ
gujaf-254	100	26	account	account	NOUN
gujaf-254	100	27	statements	statement	NOUN
gujaf-254	100	28	,	,	PUNCT
gujaf-254	100	29	are	be	AUX
gujaf-254	100	30	referred	refer	VERB
gujaf-254	100	31	to	to	ADP
gujaf-254	100	32	as	as	ADP
gujaf-254	100	33	digital	digital	ADJ
gujaf-254	100	34	financial	financial	ADJ
gujaf-254	100	35	services	service	NOUN
gujaf-254	100	36	(	(	PUNCT
gujaf-254	100	37	dfs	dfs	PROPN
gujaf-254	100	38	)	)	PUNCT
gujaf-254	100	39	.	.	PUNCT
gujaf-254	101	1	examples	example	NOUN
gujaf-254	101	2	of	of	ADP
gujaf-254	101	3	such	such	ADJ
gujaf-254	101	4	products	product	NOUN
gujaf-254	101	5	and	and	CCONJ
gujaf-254	101	6	services	service	NOUN
gujaf-254	101	7	include	include	VERB
gujaf-254	101	8	payment	payment	NOUN
gujaf-254	101	9	cards	card	NOUN
gujaf-254	101	10	,	,	PUNCT
gujaf-254	101	11	regular	regular	ADJ
gujaf-254	101	12	bank	bank	NOUN
gujaf-254	101	13	accounts	account	NOUN
gujaf-254	101	14	,	,	PUNCT
gujaf-254	101	15	e	e	NOUN
gujaf-254	101	16	-	-	NOUN
gujaf-254	101	17	money	money	NOUN
gujaf-254	101	18	(	(	PUNCT
gujaf-254	101	19	which	which	PRON
gujaf-254	101	20	can	can	AUX
gujaf-254	101	21	be	be	AUX
gujaf-254	101	22	initiated	initiate	VERB
gujaf-254	101	23	online	online	ADV
gujaf-254	101	24	or	or	CCONJ
gujaf-254	101	25	on	on	ADP
gujaf-254	101	26	a	a	DET
gujaf-254	101	27	mobile	mobile	ADJ
gujaf-254	101	28	device	device	NOUN
gujaf-254	101	29	)	)	PUNCT
gujaf-254	101	30	,	,	PUNCT
gujaf-254	101	31	and	and	CCONJ
gujaf-254	101	32	financial	financial	ADJ
gujaf-254	101	33	securities	security	NOUN
gujaf-254	101	34	.	.	PUNCT
gujaf-254	102	1	participating	participate	VERB
gujaf-254	102	2	in	in	ADP
gujaf-254	102	3	the	the	DET
gujaf-254	102	4	delivery	delivery	NOUN
gujaf-254	102	5	of	of	ADP
gujaf-254	102	6	dfs	dfs	PROPN
gujaf-254	102	7	requires	require	VERB
gujaf-254	102	8	the	the	DET
gujaf-254	102	9	engagement	engagement	NOUN
gujaf-254	102	10	of	of	ADP
gujaf-254	102	11	several	several	ADJ
gujaf-254	102	12	parties	party	NOUN
gujaf-254	102	13	,	,	PUNCT
gujaf-254	102	14	including	include	VERB
gujaf-254	102	15	banks	bank	NOUN
gujaf-254	102	16	and	and	CCONJ
gujaf-254	102	17	other	other	ADJ
gujaf-254	102	18	financial	financial	ADJ
gujaf-254	102	19	institutions	institution	NOUN
gujaf-254	102	20	,	,	PUNCT
gujaf-254	102	21	mobile	mobile	ADJ
gujaf-254	102	22	network	network	NOUN
gujaf-254	102	23	carriers	carrier	NOUN
gujaf-254	102	24	,	,	PUNCT
gujaf-254	102	25	regulators	regulator	NOUN
gujaf-254	102	26	,	,	PUNCT
gujaf-254	102	27	financial	financial	ADJ
gujaf-254	102	28	technology	technology	NOUN
gujaf-254	102	29	companies	company	NOUN
gujaf-254	102	30	,	,	PUNCT
gujaf-254	102	31	agents	agent	NOUN
gujaf-254	102	32	,	,	PUNCT
gujaf-254	102	33	retailers	retailer	NOUN
gujaf-254	102	34	,	,	PUNCT
gujaf-254	102	35	and	and	CCONJ
gujaf-254	102	36	customers	customer	NOUN
gujaf-254	102	37	(	(	PUNCT
gujaf-254	102	38	ekocha	ekocha	PROPN
gujaf-254	102	39	,	,	PUNCT
gujaf-254	102	40	ugwuanyi	ugwuanyi	PROPN
gujaf-254	102	41	,	,	PUNCT
gujaf-254	102	42	&	&	CCONJ
gujaf-254	102	43	ekocha	ekocha	NOUN
gujaf-254	102	44	,	,	PUNCT
gujaf-254	102	45	2023	2023	NUM
gujaf-254	102	46	)	)	PUNCT
gujaf-254	102	47	.	.	PUNCT
gujaf-254	103	1	digital	digital	ADJ
gujaf-254	103	2	financial	financial	ADJ
gujaf-254	103	3	services	service	NOUN
gujaf-254	103	4	(	(	PUNCT
gujaf-254	103	5	dfs	dfs	NOUN
gujaf-254	103	6	)	)	PUNCT
gujaf-254	103	7	embraces	embrace	VERB
gujaf-254	103	8	making	making	NOUN
gujaf-254	103	9	of	of	ADP
gujaf-254	103	10	payments	payment	NOUN
gujaf-254	103	11	and	and	CCONJ
gujaf-254	103	12	deposits	deposit	NOUN
gujaf-254	103	13	through	through	ADP
gujaf-254	103	14	bank	bank	NOUN
gujaf-254	103	15	cards	card	NOUN
gujaf-254	103	16	,	,	PUNCT
gujaf-254	103	17	online	online	ADJ
gujaf-254	103	18	money	money	NOUN
gujaf-254	103	19	transfers	transfer	NOUN
gujaf-254	103	20	,	,	PUNCT
gujaf-254	103	21	or	or	CCONJ
gujaf-254	103	22	mobile	mobile	ADJ
gujaf-254	103	23	phones	phone	NOUN
gujaf-254	103	24	among	among	ADP
gujaf-254	103	25	others	other	NOUN
gujaf-254	103	26	(	(	PUNCT
gujaf-254	103	27	gbanador	gbanador	NOUN
gujaf-254	103	28	,	,	PUNCT
gujaf-254	103	29	2023	2023	NUM
gujaf-254	103	30	)	)	PUNCT
gujaf-254	103	31	.	.	PUNCT
gujaf-254	104	1	therefore	therefore	ADV
gujaf-254	104	2	,	,	PUNCT
gujaf-254	104	3	this	this	DET
gujaf-254	104	4	study	study	NOUN
gujaf-254	104	5	focuses	focus	VERB
gujaf-254	104	6	on	on	ADP
gujaf-254	104	7	digital	digital	ADJ
gujaf-254	104	8	financial	financial	ADJ
gujaf-254	104	9	transfers	transfer	NOUN
gujaf-254	104	10	and	and	CCONJ
gujaf-254	104	11	payments	payment	NOUN
gujaf-254	104	12	meant	mean	VERB
gujaf-254	104	13	for	for	ADP
gujaf-254	104	14	savings	saving	NOUN
gujaf-254	104	15	purposes	purpose	NOUN
gujaf-254	104	16	.	.	PUNCT
gujaf-254	105	1	according	accord	VERB
gujaf-254	105	2	to	to	ADP
gujaf-254	105	3	financial	financial	ADJ
gujaf-254	105	4	sector	sector	NOUN
gujaf-254	105	5	deepening	deepen	VERB
gujaf-254	105	6	africa	africa	PROPN
gujaf-254	105	7	(	(	PUNCT
gujaf-254	105	8	fsda	fsda	NOUN
gujaf-254	105	9	,	,	PUNCT
gujaf-254	105	10	2022	2022	NUM
gujaf-254	105	11	)	)	PUNCT
gujaf-254	105	12	report	report	NOUN
gujaf-254	105	13	,	,	PUNCT
gujaf-254	105	14	evidence	evidence	NOUN
gujaf-254	105	15	suggests	suggest	VERB
gujaf-254	105	16	that	that	SCONJ
gujaf-254	105	17	connecting	connect	VERB
gujaf-254	105	18	savings	saving	NOUN
gujaf-254	105	19	groups	group	NOUN
gujaf-254	105	20	to	to	ADP
gujaf-254	105	21	formal	formal	ADJ
gujaf-254	105	22	financial	financial	ADJ
gujaf-254	105	23	institutions	institution	NOUN
gujaf-254	105	24	has	have	VERB
gujaf-254	105	25	a	a	DET
gujaf-254	105	26	number	number	NOUN
gujaf-254	105	27	of	of	ADP
gujaf-254	105	28	advantages	advantage	NOUN
gujaf-254	105	29	,	,	PUNCT
gujaf-254	105	30	firstly	firstly	ADV
gujaf-254	105	31	,	,	PUNCT
gujaf-254	105	32	improved	improved	ADJ
gujaf-254	105	33	fund	fund	NOUN
gujaf-254	105	34	safety	safety	NOUN
gujaf-254	105	35	for	for	ADP
gujaf-254	105	36	the	the	DET
gujaf-254	105	37	group	group	NOUN
gujaf-254	105	38	,	,	PUNCT
gujaf-254	105	39	secondly	secondly	ADV
gujaf-254	105	40	,	,	PUNCT
gujaf-254	105	41	improved	improve	VERB
gujaf-254	105	42	financial	financial	ADJ
gujaf-254	105	43	performance	performance	NOUN
gujaf-254	105	44	,	,	PUNCT
gujaf-254	105	45	especially	especially	ADV
gujaf-254	105	46	for	for	ADP
gujaf-254	105	47	groups	group	NOUN
gujaf-254	105	48	that	that	PRON
gujaf-254	105	49	can	can	AUX
gujaf-254	105	50	access	access	VERB
gujaf-254	105	51	larger	large	ADJ
gujaf-254	105	52	credit	credit	NOUN
gujaf-254	105	53	facilities	facility	NOUN
gujaf-254	105	54	to	to	ADP
gujaf-254	105	55	on	on	ADP
gujaf-254	105	56	-	-	PUNCT
gujaf-254	105	57	lend	lend	VERB
gujaf-254	105	58	within	within	ADP
gujaf-254	105	59	groups	group	NOUN
gujaf-254	105	60	,	,	PUNCT
gujaf-254	105	61	and	and	CCONJ
gujaf-254	105	62	thirdly	thirdly	ADV
gujaf-254	105	63	,	,	PUNCT
gujaf-254	105	64	the	the	DET
gujaf-254	105	65	ability	ability	NOUN
gujaf-254	105	66	to	to	PART
gujaf-254	105	67	save	save	VERB
gujaf-254	105	68	for	for	ADP
gujaf-254	105	69	longer	long	ADJ
gujaf-254	105	70	than	than	ADP
gujaf-254	105	71	one	one	NUM
gujaf-254	105	72	cycle	cycle	NOUN
gujaf-254	105	73	since	since	SCONJ
gujaf-254	105	74	groups	group	NOUN
gujaf-254	105	75	typically	typically	ADV
gujaf-254	105	76	have	have	VERB
gujaf-254	105	77	to	to	PART
gujaf-254	105	78	start	start	VERB
gujaf-254	105	79	from	from	ADP
gujaf-254	105	80	scratch	scratch	NOUN
gujaf-254	105	81	after	after	ADP
gujaf-254	105	82	each	each	DET
gujaf-254	105	83	cycle	cycle	NOUN
gujaf-254	105	84	.	.	PUNCT
gujaf-254	106	1	savings	saving	NOUN
gujaf-254	106	2	provide	provide	VERB
gujaf-254	106	3	the	the	DET
gujaf-254	106	4	funds	fund	NOUN
gujaf-254	106	5	necessary	necessary	ADJ
gujaf-254	106	6	for	for	ADP
gujaf-254	106	7	investments	investment	NOUN
gujaf-254	106	8	and	and	CCONJ
gujaf-254	106	9	this	this	PRON
gujaf-254	106	10	has	have	VERB
gujaf-254	106	11	a	a	DET
gujaf-254	106	12	significant	significant	ADJ
gujaf-254	106	13	positive	positive	ADJ
gujaf-254	106	14	impact	impact	NOUN
gujaf-254	106	15	on	on	ADP
gujaf-254	106	16	economic	economic	ADJ
gujaf-254	106	17	growth	growth	NOUN
gujaf-254	106	18	(	(	PUNCT
gujaf-254	106	19	mbuthia	mbuthia	PROPN
gujaf-254	106	20	&	&	CCONJ
gujaf-254	106	21	ndiritu	ndiritu	NOUN
gujaf-254	106	22	,	,	PUNCT
gujaf-254	106	23	2020	2020	NUM
gujaf-254	106	24	)	)	PUNCT
gujaf-254	106	25	.	.	PUNCT
gujaf-254	107	1	savings	saving	NOUN
gujaf-254	107	2	is	be	AUX
gujaf-254	107	3	an	an	DET
gujaf-254	107	4	income	income	NOUN
gujaf-254	107	5	that	that	PRON
gujaf-254	107	6	is	be	AUX
gujaf-254	107	7	not	not	PART
gujaf-254	107	8	immediately	immediately	ADV
gujaf-254	107	9	consumed	consume	VERB
gujaf-254	107	10	.	.	PUNCT
gujaf-254	108	1	in	in	ADP
gujaf-254	108	2	the	the	DET
gujaf-254	108	3	household	household	NOUN
gujaf-254	108	4	budget	budget	NOUN
gujaf-254	108	5	system	system	NOUN
gujaf-254	108	6	,	,	PUNCT
gujaf-254	108	7	savings	saving	NOUN
gujaf-254	108	8	function	function	NOUN
gujaf-254	108	9	is	be	AUX
gujaf-254	108	10	of	of	ADP
gujaf-254	108	11	residual	residual	ADJ
gujaf-254	108	12	consideration	consideration	NOUN
gujaf-254	108	13	to	to	ADP
gujaf-254	108	14	consumption	consumption	NOUN
gujaf-254	108	15	function	function	NOUN
gujaf-254	108	16	(	(	PUNCT
gujaf-254	108	17	olofin	olofin	NOUN
gujaf-254	108	18	,	,	PUNCT
gujaf-254	108	19	2001	2001	NUM
gujaf-254	108	20	)	)	PUNCT
gujaf-254	108	21	.	.	PUNCT
gujaf-254	109	1	therefore	therefore	ADV
gujaf-254	109	2	,	,	PUNCT
gujaf-254	109	3	in	in	ADP
gujaf-254	109	4	line	line	NOUN
gujaf-254	109	5	with	with	ADP
gujaf-254	109	6	the	the	DET
gujaf-254	109	7	keynes	keyne	NOUN
gujaf-254	109	8	’	'	PUNCT
gujaf-254	109	9	general	general	ADJ
gujaf-254	109	10	equilibrium	equilibrium	NOUN
gujaf-254	109	11	conditions	condition	NOUN
gujaf-254	109	12	,	,	PUNCT
gujaf-254	109	13	investment	investment	NOUN
gujaf-254	109	14	and	and	CCONJ
gujaf-254	109	15	savings	saving	NOUN
gujaf-254	109	16	equilibrium	equilibrium	NOUN
gujaf-254	109	17	condition	condition	NOUN
gujaf-254	109	18	must	must	AUX
gujaf-254	109	19	hold	hold	VERB
gujaf-254	109	20	simultaneously	simultaneously	ADV
gujaf-254	109	21	,	,	PUNCT
gujaf-254	109	22	which	which	PRON
gujaf-254	109	23	would	would	AUX
gujaf-254	109	24	require	require	VERB
gujaf-254	109	25	the	the	DET
gujaf-254	109	26	need	need	NOUN
gujaf-254	109	27	for	for	ADP
gujaf-254	109	28	a	a	DET
gujaf-254	109	29	developmental	developmental	ADJ
gujaf-254	109	30	model	model	NOUN
gujaf-254	109	31	that	that	PRON
gujaf-254	109	32	raises	raise	VERB
gujaf-254	109	33	the	the	DET
gujaf-254	109	34	required	require	VERB
gujaf-254	109	35	quantity	quantity	NOUN
gujaf-254	109	36	of	of	ADP
gujaf-254	109	37	savings	saving	NOUN
gujaf-254	109	38	to	to	PART
gujaf-254	109	39	meet	meet	VERB
gujaf-254	109	40	the	the	DET
gujaf-254	109	41	target	target	NOUN
gujaf-254	109	42	level	level	NOUN
gujaf-254	109	43	of	of	ADP
gujaf-254	109	44	investment	investment	NOUN
gujaf-254	109	45	.	.	PUNCT
gujaf-254	110	1	this	this	DET
gujaf-254	110	2	development	development	NOUN
gujaf-254	110	3	principle	principle	NOUN
gujaf-254	110	4	is	be	AUX
gujaf-254	110	5	explained	explain	VERB
gujaf-254	110	6	in	in	ADP
gujaf-254	110	7	the	the	DET
gujaf-254	110	8	secondbest	secondb	ADJ
gujaf-254	110	9	theory	theory	NOUN
gujaf-254	110	10	.	.	PUNCT
gujaf-254	111	1	184	184	NUM
gujaf-254	111	2	people	people	NOUN
gujaf-254	111	3	save	save	VERB
gujaf-254	111	4	for	for	ADP
gujaf-254	111	5	a	a	DET
gujaf-254	111	6	variety	variety	NOUN
gujaf-254	111	7	of	of	ADP
gujaf-254	111	8	reasons	reason	NOUN
gujaf-254	111	9	,	,	PUNCT
gujaf-254	111	10	such	such	ADJ
gujaf-254	111	11	as	as	ADP
gujaf-254	111	12	setting	set	VERB
gujaf-254	111	13	money	money	NOUN
gujaf-254	111	14	aside	aside	ADV
gujaf-254	111	15	for	for	ADP
gujaf-254	111	16	emergencies	emergency	NOUN
gujaf-254	111	17	and	and	CCONJ
gujaf-254	111	18	preparing	prepare	VERB
gujaf-254	111	19	for	for	ADP
gujaf-254	111	20	large	large	ADJ
gujaf-254	111	21	purchases	purchase	NOUN
gujaf-254	111	22	in	in	ADP
gujaf-254	111	23	the	the	DET
gujaf-254	111	24	future	future	NOUN
gujaf-254	111	25	,	,	PUNCT
gujaf-254	111	26	among	among	ADP
gujaf-254	111	27	others	other	NOUN
gujaf-254	111	28	.	.	PUNCT
gujaf-254	112	1	the	the	DET
gujaf-254	112	2	future	future	NOUN
gujaf-254	112	3	is	be	AUX
gujaf-254	112	4	also	also	ADV
gujaf-254	112	5	out	out	ADP
gujaf-254	112	6	of	of	ADP
gujaf-254	112	7	our	our	PRON
gujaf-254	112	8	control	control	NOUN
gujaf-254	112	9	,	,	PUNCT
gujaf-254	112	10	therefore	therefore	ADV
gujaf-254	112	11	,	,	PUNCT
gujaf-254	112	12	saving	save	VERB
gujaf-254	112	13	some	some	DET
gujaf-254	112	14	money	money	NOUN
gujaf-254	112	15	to	to	PART
gujaf-254	112	16	use	use	VERB
gujaf-254	112	17	when	when	SCONJ
gujaf-254	112	18	necessary	necessary	ADJ
gujaf-254	112	19	is	be	AUX
gujaf-254	112	20	essentially	essentially	ADV
gujaf-254	112	21	organizing	organize	VERB
gujaf-254	112	22	and	and	CCONJ
gujaf-254	112	23	accepting	accept	VERB
gujaf-254	112	24	responsibility	responsibility	NOUN
gujaf-254	112	25	for	for	ADP
gujaf-254	112	26	one	one	NUM
gujaf-254	112	27	's	's	PART
gujaf-254	112	28	financial	financial	ADJ
gujaf-254	112	29	and	and	CCONJ
gujaf-254	112	30	economic	economic	ADJ
gujaf-254	112	31	worries	worry	NOUN
gujaf-254	112	32	.	.	PUNCT
gujaf-254	113	1	savings	saving	NOUN
gujaf-254	113	2	can	can	AUX
gujaf-254	113	3	be	be	AUX
gujaf-254	113	4	accomplished	accomplish	VERB
gujaf-254	113	5	in	in	ADP
gujaf-254	113	6	a	a	DET
gujaf-254	113	7	variety	variety	NOUN
gujaf-254	113	8	of	of	ADP
gujaf-254	113	9	methods	method	NOUN
gujaf-254	113	10	,	,	PUNCT
gujaf-254	113	11	especially	especially	ADV
gujaf-254	113	12	in	in	ADP
gujaf-254	113	13	remote	remote	ADJ
gujaf-254	113	14	regions	region	NOUN
gujaf-254	113	15	where	where	SCONJ
gujaf-254	113	16	majority	majority	NOUN
gujaf-254	113	17	of	of	ADP
gujaf-254	113	18	the	the	DET
gujaf-254	113	19	population	population	NOUN
gujaf-254	113	20	earn	earn	VERB
gujaf-254	113	21	low	low	ADJ
gujaf-254	113	22	incomes	income	NOUN
gujaf-254	113	23	and	and	CCONJ
gujaf-254	113	24	have	have	VERB
gujaf-254	113	25	no	no	DET
gujaf-254	113	26	formal	formal	ADJ
gujaf-254	113	27	education	education	NOUN
gujaf-254	113	28	.	.	PUNCT
gujaf-254	114	1	rural	rural	ADJ
gujaf-254	114	2	residents	resident	NOUN
gujaf-254	114	3	save	save	VERB
gujaf-254	114	4	using	use	VERB
gujaf-254	114	5	items	item	NOUN
gujaf-254	114	6	that	that	PRON
gujaf-254	114	7	can	can	AUX
gujaf-254	114	8	be	be	AUX
gujaf-254	114	9	easily	easily	ADV
gujaf-254	114	10	converted	convert	VERB
gujaf-254	114	11	to	to	ADP
gujaf-254	114	12	currency	currency	NOUN
gujaf-254	114	13	,	,	PUNCT
gujaf-254	114	14	such	such	ADJ
gujaf-254	114	15	as	as	ADP
gujaf-254	114	16	grains	grain	NOUN
gujaf-254	114	17	,	,	PUNCT
gujaf-254	114	18	livestock	livestock	NOUN
gujaf-254	114	19	,	,	PUNCT
gujaf-254	114	20	clothing	clothing	NOUN
gujaf-254	114	21	,	,	PUNCT
gujaf-254	114	22	ornaments	ornament	NOUN
gujaf-254	114	23	,	,	PUNCT
gujaf-254	114	24	and	and	CCONJ
gujaf-254	114	25	other	other	ADJ
gujaf-254	114	26	items	item	NOUN
gujaf-254	114	27	,	,	PUNCT
gujaf-254	114	28	as	as	SCONJ
gujaf-254	114	29	opposed	oppose	VERB
gujaf-254	114	30	to	to	ADP
gujaf-254	114	31	the	the	DET
gujaf-254	114	32	usual	usual	ADJ
gujaf-254	114	33	method	method	NOUN
gujaf-254	114	34	of	of	ADP
gujaf-254	114	35	saving	save	VERB
gujaf-254	114	36	through	through	ADP
gujaf-254	114	37	financial	financial	ADJ
gujaf-254	114	38	assets	asset	NOUN
gujaf-254	114	39	(	(	PUNCT
gujaf-254	114	40	odejimi	odejimi	PROPN
gujaf-254	114	41	,	,	PUNCT
gujaf-254	114	42	&	&	CCONJ
gujaf-254	114	43	edogiawerie	edogiawerie	PROPN
gujaf-254	114	44	,	,	PUNCT
gujaf-254	114	45	2019	2019	NUM
gujaf-254	114	46	)	)	PUNCT
gujaf-254	114	47	.	.	PUNCT
gujaf-254	115	1	dfs	dfs	PROPN
gujaf-254	115	2	raise	raise	VERB
gujaf-254	115	3	savings	saving	NOUN
gujaf-254	115	4	rates	rate	NOUN
gujaf-254	115	5	and	and	CCONJ
gujaf-254	115	6	total	total	ADJ
gujaf-254	115	7	amounts	amount	NOUN
gujaf-254	115	8	saved	save	VERB
gujaf-254	115	9	,	,	PUNCT
gujaf-254	115	10	especially	especially	ADV
gujaf-254	115	11	among	among	ADP
gujaf-254	115	12	the	the	DET
gujaf-254	115	13	poor	poor	ADJ
gujaf-254	115	14	.	.	PUNCT
gujaf-254	116	1	however	however	ADV
gujaf-254	116	2	,	,	PUNCT
gujaf-254	116	3	the	the	DET
gujaf-254	116	4	benefits	benefit	NOUN
gujaf-254	116	5	of	of	ADP
gujaf-254	116	6	saving	save	VERB
gujaf-254	116	7	have	have	AUX
gujaf-254	116	8	not	not	PART
gujaf-254	116	9	been	be	AUX
gujaf-254	116	10	as	as	ADV
gujaf-254	116	11	numerous	numerous	ADJ
gujaf-254	116	12	as	as	ADP
gujaf-254	116	13	those	those	PRON
gujaf-254	116	14	of	of	ADP
gujaf-254	116	15	payments	payment	NOUN
gujaf-254	116	16	and	and	CCONJ
gujaf-254	116	17	credit	credit	NOUN
gujaf-254	116	18	.	.	PUNCT
gujaf-254	117	1	(	(	PUNCT
gujaf-254	117	2	haider	haider	NOUN
gujaf-254	117	3	,	,	PUNCT
gujaf-254	117	4	2018	2018	NUM
gujaf-254	117	5	)	)	PUNCT
gujaf-254	117	6	.	.	PUNCT
gujaf-254	118	1	according	accord	VERB
gujaf-254	118	2	to	to	ADP
gujaf-254	118	3	empirical	empirical	ADJ
gujaf-254	118	4	data	datum	NOUN
gujaf-254	118	5	from	from	ADP
gujaf-254	118	6	kenya	kenya	PROPN
gujaf-254	118	7	,	,	PUNCT
gujaf-254	118	8	people	people	NOUN
gujaf-254	118	9	who	who	PRON
gujaf-254	118	10	use	use	VERB
gujaf-254	118	11	mobile	mobile	ADJ
gujaf-254	118	12	financial	financial	ADJ
gujaf-254	118	13	services	service	NOUN
gujaf-254	118	14	are	be	AUX
gujaf-254	118	15	more	more	ADV
gujaf-254	118	16	likely	likely	ADJ
gujaf-254	118	17	to	to	PART
gujaf-254	118	18	save	save	VERB
gujaf-254	118	19	than	than	ADP
gujaf-254	118	20	those	those	PRON
gujaf-254	118	21	who	who	PRON
gujaf-254	118	22	do	do	VERB
gujaf-254	118	23	otherwise	otherwise	ADV
gujaf-254	118	24	,	,	PUNCT
gujaf-254	118	25	and	and	CCONJ
gujaf-254	118	26	they	they	PRON
gujaf-254	118	27	are	be	AUX
gujaf-254	118	28	also	also	ADV
gujaf-254	118	29	more	more	ADV
gujaf-254	118	30	likely	likely	ADJ
gujaf-254	118	31	to	to	PART
gujaf-254	118	32	save	save	VERB
gujaf-254	118	33	more	more	ADJ
gujaf-254	118	34	(	(	PUNCT
gujaf-254	118	35	ouma	ouma	PROPN
gujaf-254	118	36	,	,	PUNCT
gujaf-254	118	37	odongo	odongo	PROPN
gujaf-254	118	38	,	,	PUNCT
gujaf-254	118	39	&	&	CCONJ
gujaf-254	118	40	were	be	AUX
gujaf-254	118	41	,	,	PUNCT
gujaf-254	118	42	2017	2017	NUM
gujaf-254	118	43	)	)	PUNCT
gujaf-254	118	44	.	.	PUNCT
gujaf-254	119	1	savings	saving	NOUN
gujaf-254	119	2	are	be	AUX
gujaf-254	119	3	advantageous	advantageous	ADJ
gujaf-254	119	4	to	to	ADP
gujaf-254	119	5	dfs	dfs	PROPN
gujaf-254	119	6	providers	provider	NOUN
gujaf-254	119	7	as	as	ADV
gujaf-254	119	8	well	well	ADV
gujaf-254	119	9	as	as	ADP
gujaf-254	119	10	its	its	PRON
gujaf-254	119	11	customers	customer	NOUN
gujaf-254	119	12	.	.	PUNCT
gujaf-254	120	1	customers	customer	NOUN
gujaf-254	120	2	who	who	PRON
gujaf-254	120	3	use	use	VERB
gujaf-254	120	4	dfs	dfs	NOUN
gujaf-254	120	5	accounts	account	NOUN
gujaf-254	120	6	to	to	PART
gujaf-254	120	7	save	save	VERB
gujaf-254	120	8	money	money	NOUN
gujaf-254	120	9	can	can	AUX
gujaf-254	120	10	increase	increase	VERB
gujaf-254	120	11	their	their	PRON
gujaf-254	120	12	financial	financial	ADJ
gujaf-254	120	13	resilience	resilience	NOUN
gujaf-254	120	14	,	,	PUNCT
gujaf-254	120	15	build	build	VERB
gujaf-254	120	16	a	a	DET
gujaf-254	120	17	hedge	hedge	NOUN
gujaf-254	120	18	against	against	ADP
gujaf-254	120	19	income	income	NOUN
gujaf-254	120	20	shocks	shock	NOUN
gujaf-254	120	21	,	,	PUNCT
gujaf-254	120	22	and	and	CCONJ
gujaf-254	120	23	be	be	AUX
gujaf-254	120	24	in	in	ADP
gujaf-254	120	25	a	a	DET
gujaf-254	120	26	better	well	ADJ
gujaf-254	120	27	position	position	NOUN
gujaf-254	120	28	to	to	PART
gujaf-254	120	29	invest	invest	VERB
gujaf-254	120	30	and	and	CCONJ
gujaf-254	120	31	take	take	VERB
gujaf-254	120	32	part	part	NOUN
gujaf-254	120	33	in	in	ADP
gujaf-254	120	34	strategic	strategic	ADJ
gujaf-254	120	35	financial	financial	ADJ
gujaf-254	120	36	planning	planning	NOUN
gujaf-254	120	37	.	.	PUNCT
gujaf-254	121	1	financial	financial	ADJ
gujaf-254	121	2	service	service	NOUN
gujaf-254	121	3	providers	provider	NOUN
gujaf-254	121	4	(	(	PUNCT
gujaf-254	121	5	fsp	fsp	NOUN
gujaf-254	121	6	)	)	PUNCT
gujaf-254	121	7	with	with	ADP
gujaf-254	121	8	more	more	ADJ
gujaf-254	121	9	savers	saver	NOUN
gujaf-254	121	10	in	in	ADP
gujaf-254	121	11	their	their	PRON
gujaf-254	121	12	portfolio	portfolio	NOUN
gujaf-254	121	13	might	might	AUX
gujaf-254	121	14	profit	profit	VERB
gujaf-254	121	15	by	by	ADP
gujaf-254	121	16	increasing	increase	VERB
gujaf-254	121	17	income	income	NOUN
gujaf-254	121	18	and	and	CCONJ
gujaf-254	121	19	decreasing	decrease	VERB
gujaf-254	121	20	their	their	PRON
gujaf-254	121	21	cost	cost	NOUN
gujaf-254	121	22	of	of	ADP
gujaf-254	121	23	funds	fund	NOUN
gujaf-254	121	24	(	(	PUNCT
gujaf-254	121	25	buri	buri	PROPN
gujaf-254	121	26	&	&	CCONJ
gujaf-254	121	27	reitzug	reitzug	PROPN
gujaf-254	121	28	,	,	PUNCT
gujaf-254	121	29	2019	2019	NUM
gujaf-254	121	30	)	)	PUNCT
gujaf-254	121	31	.	.	PUNCT
gujaf-254	122	1	electronic	electronic	ADJ
gujaf-254	122	2	devices	device	NOUN
gujaf-254	122	3	and	and	CCONJ
gujaf-254	122	4	information	information	NOUN
gujaf-254	122	5	technology	technology	NOUN
gujaf-254	122	6	are	be	AUX
gujaf-254	122	7	crucial	crucial	ADJ
gujaf-254	122	8	to	to	ADP
gujaf-254	122	9	achieving	achieve	VERB
gujaf-254	122	10	long	long	ADJ
gujaf-254	122	11	-	-	PUNCT
gujaf-254	122	12	term	term	NOUN
gujaf-254	122	13	financial	financial	ADJ
gujaf-254	122	14	improvement	improvement	NOUN
gujaf-254	122	15	and	and	CCONJ
gujaf-254	122	16	overall	overall	ADJ
gujaf-254	122	17	economic	economic	ADJ
gujaf-254	122	18	development	development	NOUN
gujaf-254	122	19	.	.	PUNCT
gujaf-254	123	1	in	in	ADP
gujaf-254	123	2	nigeria	nigeria	PROPN
gujaf-254	123	3	,	,	PUNCT
gujaf-254	123	4	using	use	VERB
gujaf-254	123	5	automated	automate	VERB
gujaf-254	123	6	teller	teller	NOUN
gujaf-254	123	7	machines	machine	NOUN
gujaf-254	123	8	and	and	CCONJ
gujaf-254	123	9	mobile	mobile	ADJ
gujaf-254	123	10	money	money	NOUN
gujaf-254	123	11	to	to	PART
gujaf-254	123	12	pay	pay	VERB
gujaf-254	123	13	for	for	ADP
gujaf-254	123	14	services	service	NOUN
gujaf-254	123	15	,	,	PUNCT
gujaf-254	123	16	goods	good	NOUN
gujaf-254	123	17	,	,	PUNCT
gujaf-254	123	18	wages	wage	NOUN
gujaf-254	123	19	,	,	PUNCT
gujaf-254	123	20	utilities	utility	NOUN
gujaf-254	123	21	,	,	PUNCT
gujaf-254	123	22	and	and	CCONJ
gujaf-254	123	23	government	government	NOUN
gujaf-254	123	24	cash	cash	NOUN
gujaf-254	123	25	transfers	transfer	NOUN
gujaf-254	123	26	is	be	AUX
gujaf-254	123	27	quickly	quickly	ADV
gujaf-254	123	28	becoming	become	VERB
gujaf-254	123	29	a	a	DET
gujaf-254	123	30	common	common	ADJ
gujaf-254	123	31	practise	practise	NOUN
gujaf-254	123	32	.	.	PUNCT
gujaf-254	124	1	considering	consider	VERB
gujaf-254	124	2	the	the	DET
gujaf-254	124	3	significance	significance	NOUN
gujaf-254	124	4	of	of	ADP
gujaf-254	124	5	savings	saving	NOUN
gujaf-254	124	6	for	for	ADP
gujaf-254	124	7	protecting	protect	VERB
gujaf-254	124	8	the	the	DET
gujaf-254	124	9	welfare	welfare	NOUN
gujaf-254	124	10	of	of	ADP
gujaf-254	124	11	people	people	NOUN
gujaf-254	124	12	and	and	CCONJ
gujaf-254	124	13	households	household	NOUN
gujaf-254	124	14	during	during	ADP
gujaf-254	124	15	difficult	difficult	ADJ
gujaf-254	124	16	times	time	NOUN
gujaf-254	124	17	and	and	CCONJ
gujaf-254	124	18	the	the	DET
gujaf-254	124	19	expanding	expand	VERB
gujaf-254	124	20	usage	usage	NOUN
gujaf-254	124	21	of	of	ADP
gujaf-254	124	22	digital	digital	ADJ
gujaf-254	124	23	payment	payment	NOUN
gujaf-254	124	24	platforms	platform	NOUN
gujaf-254	124	25	,	,	PUNCT
gujaf-254	124	26	it	it	PRON
gujaf-254	124	27	is	be	AUX
gujaf-254	124	28	crucial	crucial	ADJ
gujaf-254	124	29	to	to	PART
gujaf-254	124	30	investigate	investigate	VERB
gujaf-254	124	31	the	the	DET
gujaf-254	124	32	relationship	relationship	NOUN
gujaf-254	124	33	between	between	ADP
gujaf-254	124	34	savings	saving	NOUN
gujaf-254	124	35	levels	level	NOUN
gujaf-254	124	36	and	and	CCONJ
gujaf-254	124	37	digital	digital	ADJ
gujaf-254	124	38	payment	payment	NOUN
gujaf-254	124	39	technology	technology	NOUN
gujaf-254	124	40	(	(	PUNCT
gujaf-254	124	41	akinrinola	akinrinola	PROPN
gujaf-254	124	42	,	,	PUNCT
gujaf-254	124	43	omojola	omojola	PROPN
gujaf-254	124	44	&	&	CCONJ
gujaf-254	124	45	audu	audu	NOUN
gujaf-254	124	46	,	,	PUNCT
gujaf-254	124	47	2023	2023	NUM
gujaf-254	124	48	)	)	PUNCT
gujaf-254	124	49	.	.	PUNCT
gujaf-254	125	1	one	one	PRON
gujaf-254	125	2	can	can	AUX
gujaf-254	125	3	not	not	PART
gujaf-254	125	4	overstate	overstate	VERB
gujaf-254	125	5	how	how	SCONJ
gujaf-254	125	6	important	important	ADJ
gujaf-254	125	7	savings	saving	NOUN
gujaf-254	125	8	are	be	AUX
gujaf-254	125	9	to	to	ADP
gujaf-254	125	10	a	a	DET
gujaf-254	125	11	nation	nation	NOUN
gujaf-254	125	12	's	's	PART
gujaf-254	125	13	economic	economic	ADJ
gujaf-254	125	14	development	development	NOUN
gujaf-254	125	15	.	.	PUNCT
gujaf-254	126	1	due	due	ADP
gujaf-254	126	2	to	to	ADP
gujaf-254	126	3	shortage	shortage	NOUN
gujaf-254	126	4	of	of	ADP
gujaf-254	126	5	cash	cash	NOUN
gujaf-254	126	6	to	to	PART
gujaf-254	126	7	support	support	VERB
gujaf-254	126	8	investment	investment	NOUN
gujaf-254	126	9	,	,	PUNCT
gujaf-254	126	10	the	the	DET
gujaf-254	126	11	economies	economy	NOUN
gujaf-254	126	12	of	of	ADP
gujaf-254	126	13	poor	poor	ADJ
gujaf-254	126	14	countries	country	NOUN
gujaf-254	126	15	expand	expand	VERB
gujaf-254	126	16	at	at	ADP
gujaf-254	126	17	a	a	DET
gujaf-254	126	18	very	very	ADV
gujaf-254	126	19	slow	slow	ADJ
gujaf-254	126	20	rate	rate	NOUN
gujaf-254	126	21	.	.	PUNCT
gujaf-254	127	1	the	the	DET
gujaf-254	127	2	cost	cost	NOUN
gujaf-254	127	3	of	of	ADP
gujaf-254	127	4	capital	capital	NOUN
gujaf-254	127	5	is	be	AUX
gujaf-254	127	6	typically	typically	ADV
gujaf-254	127	7	high	high	ADJ
gujaf-254	127	8	and	and	CCONJ
gujaf-254	127	9	discourages	discourage	VERB
gujaf-254	127	10	investors	investor	NOUN
gujaf-254	127	11	since	since	SCONJ
gujaf-254	127	12	banks	bank	NOUN
gujaf-254	127	13	find	find	VERB
gujaf-254	127	14	it	it	PRON
gujaf-254	127	15	difficult	difficult	ADJ
gujaf-254	127	16	to	to	PART
gujaf-254	127	17	offer	offer	VERB
gujaf-254	127	18	substantial	substantial	ADJ
gujaf-254	127	19	loans	loan	NOUN
gujaf-254	127	20	to	to	ADP
gujaf-254	127	21	prospective	prospective	ADJ
gujaf-254	127	22	investors	investor	NOUN
gujaf-254	127	23	with	with	ADP
gujaf-254	127	24	their	their	PRON
gujaf-254	127	25	meagre	meagre	ADJ
gujaf-254	127	26	savings	saving	NOUN
gujaf-254	127	27	.	.	PUNCT
gujaf-254	128	1	a	a	DET
gujaf-254	128	2	relatively	relatively	ADV
gujaf-254	128	3	high	high	ADJ
gujaf-254	128	4	deposit	deposit	NOUN
gujaf-254	128	5	interest	interest	NOUN
gujaf-254	128	6	rate	rate	NOUN
gujaf-254	128	7	is	be	AUX
gujaf-254	128	8	necessary	necessary	ADJ
gujaf-254	128	9	to	to	PART
gujaf-254	128	10	successfully	successfully	ADV
gujaf-254	128	11	mobilize	mobilize	VERB
gujaf-254	128	12	savings	saving	NOUN
gujaf-254	128	13	in	in	ADP
gujaf-254	128	14	an	an	DET
gujaf-254	128	15	economy	economy	NOUN
gujaf-254	128	16	,	,	PUNCT
gujaf-254	128	17	meaning	mean	VERB
gujaf-254	128	18	that	that	SCONJ
gujaf-254	128	19	savings	saving	NOUN
gujaf-254	128	20	must	must	AUX
gujaf-254	128	21	have	have	VERB
gujaf-254	128	22	a	a	DET
gujaf-254	128	23	higher	high	ADJ
gujaf-254	128	24	opportunity	opportunity	NOUN
gujaf-254	128	25	cost	cost	NOUN
gujaf-254	128	26	than	than	ADP
gujaf-254	128	27	the	the	DET
gujaf-254	128	28	immediate	immediate	ADJ
gujaf-254	128	29	pleasure	pleasure	NOUN
gujaf-254	128	30	from	from	ADP
gujaf-254	128	31	current	current	ADJ
gujaf-254	128	32	consumption	consumption	NOUN
gujaf-254	128	33	.	.	PUNCT
gujaf-254	129	1	there	there	PRON
gujaf-254	129	2	is	be	VERB
gujaf-254	129	3	no	no	DET
gujaf-254	129	4	doubt	doubt	NOUN
gujaf-254	129	5	that	that	SCONJ
gujaf-254	129	6	an	an	DET
gujaf-254	129	7	economy	economy	NOUN
gujaf-254	129	8	's	's	PART
gujaf-254	129	9	amount	amount	NOUN
gujaf-254	129	10	of	of	ADP
gujaf-254	129	11	savings	saving	NOUN
gujaf-254	129	12	affects	affect	VERB
gujaf-254	129	13	its	its	PRON
gujaf-254	129	14	level	level	NOUN
gujaf-254	129	15	of	of	ADP
gujaf-254	129	16	investment	investment	NOUN
gujaf-254	129	17	.	.	PUNCT
gujaf-254	130	1	if	if	SCONJ
gujaf-254	130	2	a	a	DET
gujaf-254	130	3	country	country	NOUN
gujaf-254	130	4	wants	want	VERB
gujaf-254	130	5	to	to	PART
gujaf-254	130	6	prosper	prosper	VERB
gujaf-254	130	7	economically	economically	ADV
gujaf-254	130	8	,	,	PUNCT
gujaf-254	130	9	national	national	ADJ
gujaf-254	130	10	savings	saving	NOUN
gujaf-254	130	11	185	185	NUM
gujaf-254	130	12	are	be	AUX
gujaf-254	130	13	just	just	ADV
gujaf-254	130	14	as	as	ADV
gujaf-254	130	15	important	important	ADJ
gujaf-254	130	16	as	as	ADP
gujaf-254	130	17	individual	individual	ADJ
gujaf-254	130	18	savings	saving	NOUN
gujaf-254	130	19	(	(	PUNCT
gujaf-254	130	20	odejimi	odejimi	PROPN
gujaf-254	130	21	&	&	CCONJ
gujaf-254	130	22	edo	edo	PROPN
gujaf-254	130	23	,	,	PUNCT
gujaf-254	130	24	2019	2019	NUM
gujaf-254	130	25	)	)	PUNCT
gujaf-254	130	26	.	.	PUNCT
gujaf-254	131	1	it	it	PRON
gujaf-254	131	2	is	be	AUX
gujaf-254	131	3	impossible	impossible	ADJ
gujaf-254	131	4	to	to	PART
gujaf-254	131	5	overstate	overstate	VERB
gujaf-254	131	6	the	the	DET
gujaf-254	131	7	benefits	benefit	NOUN
gujaf-254	131	8	of	of	ADP
gujaf-254	131	9	household	household	NOUN
gujaf-254	131	10	saving	saving	NOUN
gujaf-254	131	11	.	.	PUNCT
gujaf-254	132	1	savings	saving	NOUN
gujaf-254	132	2	have	have	VERB
gujaf-254	132	3	implications	implication	NOUN
gujaf-254	132	4	for	for	ADP
gujaf-254	132	5	foreign	foreign	ADJ
gujaf-254	132	6	exchange	exchange	NOUN
gujaf-254	132	7	and	and	CCONJ
gujaf-254	132	8	lessens	lessen	VERB
gujaf-254	132	9	the	the	DET
gujaf-254	132	10	need	need	NOUN
gujaf-254	132	11	to	to	PART
gujaf-254	132	12	look	look	VERB
gujaf-254	132	13	for	for	ADP
gujaf-254	132	14	international	international	ADJ
gujaf-254	132	15	credits	credit	NOUN
gujaf-254	132	16	.	.	PUNCT
gujaf-254	133	1	it	it	PRON
gujaf-254	133	2	provides	provide	VERB
gujaf-254	133	3	motivation	motivation	NOUN
gujaf-254	133	4	and	and	CCONJ
gujaf-254	133	5	optimism	optimism	NOUN
gujaf-254	133	6	to	to	ADP
gujaf-254	133	7	foreign	foreign	ADJ
gujaf-254	133	8	investors	investor	NOUN
gujaf-254	133	9	who	who	PRON
gujaf-254	133	10	can	can	AUX
gujaf-254	133	11	expand	expand	VERB
gujaf-254	133	12	their	their	PRON
gujaf-254	133	13	companies	company	NOUN
gujaf-254	133	14	through	through	ADP
gujaf-254	133	15	local	local	ADJ
gujaf-254	133	16	funds	fund	NOUN
gujaf-254	133	17	mobilization	mobilization	NOUN
gujaf-254	133	18	.	.	PUNCT
gujaf-254	134	1	savings	saving	NOUN
gujaf-254	134	2	may	may	AUX
gujaf-254	134	3	constitute	constitute	VERB
gujaf-254	134	4	a	a	DET
gujaf-254	134	5	withdrawal	withdrawal	NOUN
gujaf-254	134	6	from	from	ADP
gujaf-254	134	7	the	the	DET
gujaf-254	134	8	economy	economy	NOUN
gujaf-254	134	9	,	,	PUNCT
gujaf-254	134	10	but	but	CCONJ
gujaf-254	134	11	when	when	SCONJ
gujaf-254	134	12	they	they	PRON
gujaf-254	134	13	are	be	AUX
gujaf-254	134	14	returned	return	VERB
gujaf-254	134	15	through	through	ADP
gujaf-254	134	16	investments	investment	NOUN
gujaf-254	134	17	,	,	PUNCT
gujaf-254	134	18	the	the	DET
gujaf-254	134	19	multiplier	multipli	ADJ
gujaf-254	134	20	effects	effect	NOUN
gujaf-254	134	21	can	can	AUX
gujaf-254	134	22	be	be	AUX
gujaf-254	134	23	enormous	enormous	ADJ
gujaf-254	134	24	(	(	PUNCT
gujaf-254	134	25	tella	tella	NOUN
gujaf-254	134	26	,	,	PUNCT
gujaf-254	134	27	2023	2023	NUM
gujaf-254	134	28	)	)	PUNCT
gujaf-254	134	29	.	.	PUNCT
gujaf-254	135	1	according	accord	VERB
gujaf-254	135	2	to	to	ADP
gujaf-254	135	3	money	money	NOUN
gujaf-254	135	4	market	market	NOUN
gujaf-254	135	5	indicators	indicator	NOUN
gujaf-254	135	6	figures	figure	VERB
gujaf-254	135	7	from	from	ADP
gujaf-254	135	8	the	the	DET
gujaf-254	135	9	central	central	ADJ
gujaf-254	135	10	bank	bank	PROPN
gujaf-254	135	11	of	of	ADP
gujaf-254	135	12	nigeria	nigeria	PROPN
gujaf-254	135	13	(	(	PUNCT
gujaf-254	135	14	cbn	cbn	PROPN
gujaf-254	135	15	)	)	PUNCT
gujaf-254	135	16	,	,	PUNCT
gujaf-254	135	17	banks	bank	NOUN
gujaf-254	135	18	'	'	PART
gujaf-254	135	19	savings	saving	NOUN
gujaf-254	135	20	deposit	deposit	NOUN
gujaf-254	135	21	rates	rate	NOUN
gujaf-254	135	22	increased	increase	VERB
gujaf-254	135	23	slightly	slightly	ADV
gujaf-254	135	24	to	to	ADP
gujaf-254	135	25	5.24	5.24	NUM
gujaf-254	135	26	percent	percent	NOUN
gujaf-254	135	27	in	in	ADP
gujaf-254	135	28	july	july	PROPN
gujaf-254	135	29	from	from	ADP
gujaf-254	135	30	5.18	5.18	NUM
gujaf-254	135	31	percent	percent	NOUN
gujaf-254	135	32	and	and	CCONJ
gujaf-254	135	33	5.13	5.13	NUM
gujaf-254	135	34	percent	percent	NOUN
gujaf-254	135	35	in	in	ADP
gujaf-254	135	36	june	june	PROPN
gujaf-254	135	37	and	and	CCONJ
gujaf-254	135	38	may	may	AUX
gujaf-254	135	39	respectively	respectively	ADV
gujaf-254	135	40	(	(	PUNCT
gujaf-254	135	41	cbn	cbn	PROPN
gujaf-254	135	42	,	,	PUNCT
gujaf-254	135	43	2023	2023	NUM
gujaf-254	135	44	)	)	PUNCT
gujaf-254	135	45	.	.	PUNCT
gujaf-254	136	1	this	this	PRON
gujaf-254	136	2	is	be	AUX
gujaf-254	136	3	expected	expect	VERB
gujaf-254	136	4	to	to	PART
gujaf-254	136	5	encourage	encourage	VERB
gujaf-254	136	6	nigerians	nigerian	NOUN
gujaf-254	136	7	to	to	PART
gujaf-254	136	8	increase	increase	VERB
gujaf-254	136	9	savings	saving	NOUN
gujaf-254	136	10	.	.	PUNCT
gujaf-254	137	1	fig	fig	NOUN
gujaf-254	137	2	1	1	NUM
gujaf-254	137	3	:	:	PUNCT
gujaf-254	138	1	the	the	DET
gujaf-254	138	2	nexus	nexus	NOUN
gujaf-254	138	3	between	between	ADP
gujaf-254	138	4	savings	saving	NOUN
gujaf-254	138	5	and	and	CCONJ
gujaf-254	138	6	economic	economic	ADJ
gujaf-254	138	7	growth	growth	NOUN
gujaf-254	138	8	in	in	ADP
gujaf-254	138	9	nigeria	nigeria	PROPN
gujaf-254	138	10	source	source	NOUN
gujaf-254	138	11	:	:	PUNCT
gujaf-254	138	12	cbn	cbn	PROPN
gujaf-254	138	13	,	,	PUNCT
gujaf-254	138	14	2023	2023	NUM
gujaf-254	138	15	fig	fig	NOUN
gujaf-254	138	16	2	2	NUM
gujaf-254	138	17	:	:	PUNCT
gujaf-254	138	18	facts	fact	NOUN
gujaf-254	138	19	on	on	ADP
gujaf-254	138	20	digital	digital	ADJ
gujaf-254	138	21	financial	financial	ADJ
gujaf-254	138	22	services	service	NOUN
gujaf-254	138	23	indicators	indicator	NOUN
gujaf-254	138	24	in	in	ADP
gujaf-254	138	25	nigeria	nigeria	PROPN
gujaf-254	138	26	(	(	PUNCT
gujaf-254	138	27	2009	2009	NUM
gujaf-254	138	28	-	-	SYM
gujaf-254	138	29	2021	2021	NUM
gujaf-254	138	30	)	)	PUNCT
gujaf-254	138	31	source	source	NOUN
gujaf-254	138	32	:	:	PUNCT
gujaf-254	138	33	cbn	cbn	PROPN
gujaf-254	138	34	,	,	PUNCT
gujaf-254	138	35	2023	2023	NUM
gujaf-254	138	36	0.00	0.00	NUM
gujaf-254	138	37	2.00	2.00	NUM
gujaf-254	138	38	4.00	4.00	NUM
gujaf-254	138	39	6.00	6.00	NUM
gujaf-254	138	40	8.00	8.00	NUM
gujaf-254	138	41	10.00	10.00	NUM
gujaf-254	138	42	12.00	12.00	NUM
gujaf-254	138	43	14.00	14.00	NUM
gujaf-254	138	44	1992	1992	NUM
gujaf-254	138	45	1994	1994	NUM
gujaf-254	138	46	1996	1996	NUM
gujaf-254	138	47	1998	1998	NUM
gujaf-254	138	48	2000	2000	NUM
gujaf-254	138	49	2002	2002	NUM
gujaf-254	138	50	2004	2004	NUM
gujaf-254	138	51	2006	2006	NUM
gujaf-254	138	52	2008	2008	NUM
gujaf-254	138	53	2010	2010	NUM
gujaf-254	138	54	2012	2012	NUM
gujaf-254	138	55	ts	ts	NOUN
gujaf-254	138	56	/	/	SYM
gujaf-254	138	57	gdp	gdp	NOUN
gujaf-254	138	58	186	186	NUM
gujaf-254	138	59	the	the	DET
gujaf-254	138	60	use	use	NOUN
gujaf-254	138	61	of	of	ADP
gujaf-254	138	62	automated	automate	VERB
gujaf-254	138	63	teller	teller	NOUN
gujaf-254	138	64	machine	machine	NOUN
gujaf-254	138	65	(	(	PUNCT
gujaf-254	138	66	atm	atm	PROPN
gujaf-254	138	67	)	)	PUNCT
gujaf-254	138	68	in	in	ADP
gujaf-254	138	69	nigeria	nigeria	PROPN
gujaf-254	138	70	has	have	AUX
gujaf-254	138	71	consistently	consistently	ADV
gujaf-254	138	72	grown	grow	VERB
gujaf-254	138	73	over	over	ADP
gujaf-254	138	74	the	the	DET
gujaf-254	138	75	years	year	NOUN
gujaf-254	138	76	.	.	PUNCT
gujaf-254	139	1	in	in	ADP
gujaf-254	139	2	2009	2009	NUM
gujaf-254	139	3	,	,	PUNCT
gujaf-254	139	4	atm	atm	NOUN
gujaf-254	139	5	transactions	transaction	NOUN
gujaf-254	139	6	were	be	AUX
gujaf-254	139	7	valued	value	VERB
gujaf-254	139	8	at	at	ADP
gujaf-254	139	9	45.716	45.716	NUM
gujaf-254	139	10	million	million	NUM
gujaf-254	139	11	naira	naira	NOUN
gujaf-254	139	12	,	,	PUNCT
gujaf-254	139	13	and	and	CCONJ
gujaf-254	139	14	rose	rise	VERB
gujaf-254	139	15	to	to	ADP
gujaf-254	139	16	1.59	1.59	NUM
gujaf-254	139	17	billion	billion	NUM
gujaf-254	139	18	naira	naira	NOUN
gujaf-254	139	19	in	in	ADP
gujaf-254	139	20	2021	2021	NUM
gujaf-254	139	21	.	.	PUNCT
gujaf-254	140	1	this	this	DET
gujaf-254	140	2	shift	shift	NOUN
gujaf-254	140	3	signifies	signify	VERB
gujaf-254	140	4	a	a	DET
gujaf-254	140	5	strong	strong	ADJ
gujaf-254	140	6	move	move	NOUN
gujaf-254	140	7	towards	towards	ADP
gujaf-254	140	8	electronic	electronic	ADJ
gujaf-254	140	9	transactions	transaction	NOUN
gujaf-254	140	10	and	and	CCONJ
gujaf-254	140	11	a	a	DET
gujaf-254	140	12	greater	great	ADJ
gujaf-254	140	13	reliance	reliance	NOUN
gujaf-254	140	14	on	on	ADP
gujaf-254	140	15	atms	atms	NOUN
gujaf-254	140	16	for	for	ADP
gujaf-254	140	17	financial	financial	ADJ
gujaf-254	140	18	activities	activity	NOUN
gujaf-254	140	19	in	in	ADP
gujaf-254	140	20	the	the	DET
gujaf-254	140	21	nigerian	nigerian	ADJ
gujaf-254	140	22	economy	economy	NOUN
gujaf-254	140	23	.	.	PUNCT
gujaf-254	141	1	meanwhile	meanwhile	ADV
gujaf-254	141	2	,	,	PUNCT
gujaf-254	141	3	the	the	DET
gujaf-254	141	4	savings	saving	NOUN
gujaf-254	141	5	(	(	PUNCT
gujaf-254	141	6	ts	ts	NOUN
gujaf-254	141	7	)	)	PUNCT
gujaf-254	141	8	in	in	ADP
gujaf-254	141	9	the	the	DET
gujaf-254	141	10	financial	financial	ADJ
gujaf-254	141	11	sector	sector	NOUN
gujaf-254	141	12	have	have	AUX
gujaf-254	141	13	steadily	steadily	ADV
gujaf-254	141	14	increased	increase	VERB
gujaf-254	141	15	as	as	ADV
gujaf-254	141	16	well	well	ADV
gujaf-254	141	17	,	,	PUNCT
gujaf-254	141	18	with	with	ADP
gujaf-254	141	19	19.52	19.52	NUM
gujaf-254	141	20	billion	billion	NUM
gujaf-254	141	21	naira	naira	NOUN
gujaf-254	141	22	in	in	ADP
gujaf-254	141	23	2009	2009	NUM
gujaf-254	141	24	and	and	CCONJ
gujaf-254	141	25	peaking	peak	VERB
gujaf-254	141	26	at	at	ADP
gujaf-254	141	27	about	about	ADP
gujaf-254	141	28	203.26	203.26	NUM
gujaf-254	141	29	billion	billion	NUM
gujaf-254	141	30	naira	naira	NOUN
gujaf-254	141	31	in	in	ADP
gujaf-254	141	32	2020	2020	NUM
gujaf-254	141	33	.	.	PUNCT
gujaf-254	142	1	there	there	PRON
gujaf-254	142	2	was	be	VERB
gujaf-254	142	3	a	a	DET
gujaf-254	142	4	drop	drop	NOUN
gujaf-254	142	5	to	to	ADP
gujaf-254	142	6	48.64	48.64	NUM
gujaf-254	142	7	billion	billion	NUM
gujaf-254	142	8	naira	naira	NOUN
gujaf-254	142	9	in	in	ADP
gujaf-254	142	10	2021	2021	NUM
gujaf-254	142	11	.	.	PUNCT
gujaf-254	143	1	meanwhile	meanwhile	ADV
gujaf-254	143	2	,	,	PUNCT
gujaf-254	143	3	point	point	NOUN
gujaf-254	143	4	of	of	ADP
gujaf-254	143	5	sale	sale	NOUN
gujaf-254	143	6	(	(	PUNCT
gujaf-254	143	7	pos	pos	NOUN
gujaf-254	143	8	)	)	PUNCT
gujaf-254	143	9	transactions	transaction	NOUN
gujaf-254	143	10	also	also	ADV
gujaf-254	143	11	experienced	experience	VERB
gujaf-254	143	12	an	an	DET
gujaf-254	143	13	upward	upward	ADJ
gujaf-254	143	14	trend	trend	NOUN
gujaf-254	143	15	over	over	ADP
gujaf-254	143	16	the	the	DET
gujaf-254	143	17	years	year	NOUN
gujaf-254	143	18	with	with	ADP
gujaf-254	143	19	919.17	919.17	NUM
gujaf-254	143	20	million	million	NUM
gujaf-254	143	21	naira	naira	NOUN
gujaf-254	143	22	in	in	ADP
gujaf-254	143	23	2009	2009	NUM
gujaf-254	143	24	.	.	PUNCT
gujaf-254	144	1	these	these	DET
gujaf-254	144	2	values	value	NOUN
gujaf-254	144	3	increased	increase	VERB
gujaf-254	144	4	to	to	ADP
gujaf-254	144	5	1.76	1.76	NUM
gujaf-254	144	6	billion	billion	NUM
gujaf-254	144	7	naira	naira	NUM
gujaf-254	144	8	by	by	ADP
gujaf-254	144	9	2021	2021	NUM
gujaf-254	144	10	.	.	PUNCT
gujaf-254	145	1	this	this	DET
gujaf-254	145	2	trend	trend	NOUN
gujaf-254	145	3	highlights	highlight	VERB
gujaf-254	145	4	a	a	DET
gujaf-254	145	5	substantial	substantial	ADJ
gujaf-254	145	6	shift	shift	NOUN
gujaf-254	145	7	to	to	ADP
gujaf-254	145	8	digital	digital	ADJ
gujaf-254	145	9	transaction	transaction	NOUN
gujaf-254	145	10	methods	method	NOUN
gujaf-254	145	11	and	and	CCONJ
gujaf-254	145	12	an	an	DET
gujaf-254	145	13	increased	increase	VERB
gujaf-254	145	14	adoption	adoption	NOUN
gujaf-254	145	15	of	of	ADP
gujaf-254	145	16	pos	pos	NOUN
gujaf-254	145	17	systems	system	NOUN
gujaf-254	145	18	.	.	PUNCT
gujaf-254	146	1	however	however	ADV
gujaf-254	146	2	,	,	PUNCT
gujaf-254	146	3	in	in	ADP
gujaf-254	146	4	2021	2021	NUM
gujaf-254	146	5	,	,	PUNCT
gujaf-254	146	6	while	while	SCONJ
gujaf-254	146	7	pos	pos	NOUN
gujaf-254	146	8	transactions	transaction	NOUN
gujaf-254	146	9	rose	rise	VERB
gujaf-254	146	10	,	,	PUNCT
gujaf-254	146	11	total	total	ADJ
gujaf-254	146	12	savings	saving	NOUN
gujaf-254	146	13	decreased	decrease	VERB
gujaf-254	146	14	,	,	PUNCT
gujaf-254	146	15	indicating	indicate	VERB
gujaf-254	146	16	a	a	DET
gujaf-254	146	17	shift	shift	NOUN
gujaf-254	146	18	in	in	ADP
gujaf-254	146	19	financial	financial	ADJ
gujaf-254	146	20	behaviors	behavior	NOUN
gujaf-254	146	21	.	.	PUNCT
gujaf-254	147	1	fig	fig	NOUN
gujaf-254	147	2	3	3	NUM
gujaf-254	147	3	:	:	PUNCT
gujaf-254	147	4	total	total	ADJ
gujaf-254	147	5	savings	saving	NOUN
gujaf-254	147	6	(	(	PUNCT
gujaf-254	147	7	ts	ts	NOUN
gujaf-254	147	8	)	)	PUNCT
gujaf-254	147	9	,	,	PUNCT
gujaf-254	147	10	mobile	mobile	NOUN
gujaf-254	147	11	transfer	transfer	NOUN
gujaf-254	147	12	(	(	PUNCT
gujaf-254	147	13	mt	mt	PROPN
gujaf-254	147	14	)	)	PUNCT
gujaf-254	147	15	and	and	CCONJ
gujaf-254	147	16	web	web	NOUN
gujaf-254	147	17	transactions	transaction	NOUN
gujaf-254	147	18	(	(	PUNCT
gujaf-254	147	19	wt	wt	NOUN
gujaf-254	147	20	)	)	PUNCT
gujaf-254	147	21	source	source	NOUN
gujaf-254	147	22	:	:	PUNCT
gujaf-254	147	23	cbn	cbn	PROPN
gujaf-254	147	24	,	,	PUNCT
gujaf-254	147	25	2023	2023	NUM
gujaf-254	147	26	over	over	ADP
gujaf-254	147	27	the	the	DET
gujaf-254	147	28	years	year	NOUN
gujaf-254	148	1	,	,	PUNCT
gujaf-254	148	2	the	the	DET
gujaf-254	148	3	financial	financial	ADJ
gujaf-254	148	4	sector	sector	NOUN
gujaf-254	148	5	has	have	AUX
gujaf-254	148	6	seen	see	VERB
gujaf-254	148	7	remarkable	remarkable	ADJ
gujaf-254	148	8	growth	growth	NOUN
gujaf-254	148	9	in	in	ADP
gujaf-254	148	10	total	total	ADJ
gujaf-254	148	11	savings	saving	NOUN
gujaf-254	148	12	(	(	PUNCT
gujaf-254	148	13	ts	ts	NOUN
gujaf-254	148	14	)	)	PUNCT
gujaf-254	148	15	,	,	PUNCT
gujaf-254	148	16	with	with	ADP
gujaf-254	148	17	19.52	19.52	NUM
gujaf-254	148	18	billion	billion	NUM
gujaf-254	148	19	naira	naira	NOUN
gujaf-254	148	20	in	in	ADP
gujaf-254	148	21	2009	2009	NUM
gujaf-254	148	22	and	and	CCONJ
gujaf-254	148	23	peaking	peak	VERB
gujaf-254	148	24	at	at	ADP
gujaf-254	148	25	203.26	203.26	NUM
gujaf-254	148	26	billion	billion	NUM
gujaf-254	148	27	naira	naira	NOUN
gujaf-254	148	28	in	in	ADP
gujaf-254	148	29	2020	2020	NUM
gujaf-254	148	30	.	.	PUNCT
gujaf-254	149	1	however	however	ADV
gujaf-254	149	2	,	,	PUNCT
gujaf-254	149	3	there	there	PRON
gujaf-254	149	4	was	be	VERB
gujaf-254	149	5	a	a	DET
gujaf-254	149	6	downward	downward	ADJ
gujaf-254	149	7	trend	trend	NOUN
gujaf-254	149	8	to	to	ADP
gujaf-254	149	9	48.64	48.64	NUM
gujaf-254	149	10	billion	billion	NUM
gujaf-254	149	11	naira	naira	NOUN
gujaf-254	149	12	in	in	ADP
gujaf-254	149	13	2021	2021	NUM
gujaf-254	149	14	.	.	PUNCT
gujaf-254	150	1	despite	despite	SCONJ
gujaf-254	150	2	the	the	DET
gujaf-254	150	3	decline	decline	NOUN
gujaf-254	150	4	in	in	ADP
gujaf-254	150	5	2021	2021	NUM
gujaf-254	150	6	,	,	PUNCT
gujaf-254	150	7	the	the	DET
gujaf-254	150	8	overall	overall	ADJ
gujaf-254	150	9	trend	trend	NOUN
gujaf-254	150	10	points	point	NOUN
gujaf-254	150	11	towards	towards	ADP
gujaf-254	150	12	positive	positive	ADJ
gujaf-254	150	13	savings	saving	NOUN
gujaf-254	150	14	growth	growth	NOUN
gujaf-254	150	15	.	.	PUNCT
gujaf-254	151	1	similarly	similarly	ADV
gujaf-254	151	2	,	,	PUNCT
gujaf-254	151	3	web	web	NOUN
gujaf-254	151	4	-	-	PUNCT
gujaf-254	151	5	based	base	VERB
gujaf-254	151	6	transactions	transaction	NOUN
gujaf-254	151	7	(	(	PUNCT
gujaf-254	151	8	wt	wt	NOUN
gujaf-254	151	9	)	)	PUNCT
gujaf-254	151	10	have	have	AUX
gujaf-254	151	11	experienced	experience	VERB
gujaf-254	151	12	an	an	DET
gujaf-254	151	13	upward	upward	ADJ
gujaf-254	151	14	trend	trend	NOUN
gujaf-254	151	15	,	,	PUNCT
gujaf-254	151	16	reaching	reach	VERB
gujaf-254	151	17	7,012.5million	7,012.5million	NUM
gujaf-254	151	18	-	-	PUNCT
gujaf-254	151	19	naira	naira	NOUN
gujaf-254	151	20	value	value	NOUN
gujaf-254	151	21	in	in	ADP
gujaf-254	151	22	2009	2009	NUM
gujaf-254	151	23	and	and	CCONJ
gujaf-254	151	24	24.48	24.48	NUM
gujaf-254	151	25	billion	billion	NUM
gujaf-254	151	26	naira	naira	NOUN
gujaf-254	151	27	in	in	ADP
gujaf-254	151	28	2021	2021	NUM
gujaf-254	151	29	.	.	PUNCT
gujaf-254	152	1	this	this	DET
gujaf-254	152	2	shift	shift	NOUN
gujaf-254	152	3	highlights	highlight	NOUN
gujaf-254	152	4	a	a	DET
gujaf-254	152	5	significant	significant	ADJ
gujaf-254	152	6	move	move	NOUN
gujaf-254	152	7	towards	towards	ADP
gujaf-254	152	8	digital	digital	ADJ
gujaf-254	152	9	transactions	transaction	NOUN
gujaf-254	152	10	and	and	CCONJ
gujaf-254	152	11	increased	increase	VERB
gujaf-254	152	12	reliance	reliance	NOUN
gujaf-254	152	13	on	on	ADP
gujaf-254	152	14	online	online	ADJ
gujaf-254	152	15	platforms	platform	NOUN
gujaf-254	152	16	for	for	ADP
gujaf-254	152	17	financial	financial	ADJ
gujaf-254	152	18	activities	activity	NOUN
gujaf-254	152	19	.	.	PUNCT
gujaf-254	153	1	additionally	additionally	ADV
gujaf-254	153	2	,	,	PUNCT
gujaf-254	153	3	mobile	mobile	ADJ
gujaf-254	153	4	transfers	transfer	NOUN
gujaf-254	153	5	(	(	PUNCT
gujaf-254	153	6	mt	mt	PROPN
gujaf-254	153	7	)	)	PUNCT
gujaf-254	153	8	displayed	display	VERB
gujaf-254	153	9	fluctuation	fluctuation	NOUN
gujaf-254	153	10	within	within	ADP
gujaf-254	153	11	the	the	DET
gujaf-254	153	12	period	period	NOUN
gujaf-254	153	13	under	under	ADP
gujaf-254	153	14	review	review	NOUN
gujaf-254	153	15	with	with	ADP
gujaf-254	153	16	the	the	DET
gujaf-254	153	17	value	value	NOUN
gujaf-254	153	18	increasing	increase	VERB
gujaf-254	153	19	from	from	ADP
gujaf-254	153	20	105.83	105.83	NUM
gujaf-254	153	21	million	million	NUM
gujaf-254	153	22	naira	naira	NOUN
gujaf-254	153	23	in	in	ADP
gujaf-254	153	24	2009	2009	NUM
gujaf-254	153	25	to	to	ADP
gujaf-254	153	26	an	an	DET
gujaf-254	153	27	impressive	impressive	ADJ
gujaf-254	153	28	4,019,429.83	4,019,429.83	NUM
gujaf-254	153	29	million	million	NUM
gujaf-254	153	30	naira	naira	NOUN
gujaf-254	153	31	in	in	ADP
gujaf-254	153	32	2021	2021	NUM
gujaf-254	153	33	.	.	PUNCT
gujaf-254	154	1	this	this	DET
gujaf-254	154	2	substantial	substantial	ADJ
gujaf-254	154	3	rise	rise	NOUN
gujaf-254	154	4	suggests	suggest	VERB
gujaf-254	154	5	noteworthy	noteworthy	ADJ
gujaf-254	154	6	advancements	advancement	NOUN
gujaf-254	154	7	in	in	ADP
gujaf-254	154	8	the	the	DET
gujaf-254	154	9	financial	financial	ADJ
gujaf-254	154	10	sector	sector	NOUN
gujaf-254	154	11	.	.	PUNCT
gujaf-254	155	1	187	187	NUM
gujaf-254	155	2	savings	saving	NOUN
gujaf-254	155	3	are	be	AUX
gujaf-254	155	4	crucial	crucial	ADJ
gujaf-254	155	5	because	because	SCONJ
gujaf-254	155	6	they	they	PRON
gujaf-254	155	7	help	help	VERB
gujaf-254	155	8	to	to	PART
gujaf-254	155	9	protect	protect	VERB
gujaf-254	155	10	against	against	ADP
gujaf-254	155	11	shocks	shock	NOUN
gujaf-254	155	12	and	and	CCONJ
gujaf-254	155	13	balance	balance	VERB
gujaf-254	155	14	out	out	ADP
gujaf-254	155	15	spending	spending	NOUN
gujaf-254	155	16	over	over	ADP
gujaf-254	155	17	time	time	NOUN
gujaf-254	155	18	,	,	PUNCT
gujaf-254	155	19	in	in	ADP
gujaf-254	155	20	addition	addition	NOUN
gujaf-254	155	21	to	to	ADP
gujaf-254	155	22	serving	serve	VERB
gujaf-254	155	23	as	as	ADP
gujaf-254	155	24	a	a	DET
gujaf-254	155	25	source	source	NOUN
gujaf-254	155	26	of	of	ADP
gujaf-254	155	27	capital	capital	NOUN
gujaf-254	155	28	for	for	ADP
gujaf-254	155	29	business	business	NOUN
gujaf-254	155	30	expansion	expansion	NOUN
gujaf-254	155	31	and	and	CCONJ
gujaf-254	155	32	investment	investment	NOUN
gujaf-254	155	33	(	(	PUNCT
gujaf-254	155	34	buvinić	buvinić	PROPN
gujaf-254	155	35	,	,	PUNCT
gujaf-254	155	36	johnson	johnson	PROPN
gujaf-254	155	37	,	,	PUNCT
gujaf-254	155	38	perova	perova	VERB
gujaf-254	155	39	,	,	PUNCT
gujaf-254	155	40	&	&	CCONJ
gujaf-254	155	41	witoelar	witoelar	ADJ
gujaf-254	155	42	,	,	PUNCT
gujaf-254	155	43	2020	2020	NUM
gujaf-254	155	44	)	)	PUNCT
gujaf-254	155	45	.	.	PUNCT
gujaf-254	156	1	however	however	ADV
gujaf-254	156	2	,	,	PUNCT
gujaf-254	156	3	savings	saving	NOUN
gujaf-254	156	4	development	development	NOUN
gujaf-254	156	5	in	in	ADP
gujaf-254	156	6	nigeria	nigeria	PROPN
gujaf-254	156	7	has	have	AUX
gujaf-254	156	8	been	be	AUX
gujaf-254	156	9	very	very	ADV
gujaf-254	156	10	low	low	ADJ
gujaf-254	156	11	.	.	PUNCT
gujaf-254	157	1	the	the	DET
gujaf-254	157	2	revolution	revolution	NOUN
gujaf-254	157	3	in	in	ADP
gujaf-254	157	4	the	the	DET
gujaf-254	157	5	digital	digital	ADJ
gujaf-254	157	6	world	world	NOUN
gujaf-254	157	7	through	through	ADP
gujaf-254	157	8	digitalization	digitalization	NOUN
gujaf-254	157	9	of	of	ADP
gujaf-254	157	10	savings	saving	NOUN
gujaf-254	157	11	is	be	AUX
gujaf-254	157	12	of	of	ADP
gujaf-254	157	13	immense	immense	ADJ
gujaf-254	157	14	benefit	benefit	NOUN
gujaf-254	157	15	because	because	SCONJ
gujaf-254	157	16	it	it	PRON
gujaf-254	157	17	is	be	AUX
gujaf-254	157	18	expected	expect	VERB
gujaf-254	157	19	to	to	PART
gujaf-254	157	20	reduce	reduce	VERB
gujaf-254	157	21	cost	cost	NOUN
gujaf-254	157	22	and	and	CCONJ
gujaf-254	157	23	bring	bring	VERB
gujaf-254	157	24	in	in	ADP
gujaf-254	157	25	a	a	DET
gujaf-254	157	26	new	new	ADJ
gujaf-254	157	27	flare	flare	NOUN
gujaf-254	157	28	into	into	ADP
gujaf-254	157	29	savings	saving	NOUN
gujaf-254	157	30	development	development	NOUN
gujaf-254	157	31	.	.	PUNCT
gujaf-254	158	1	according	accord	VERB
gujaf-254	158	2	to	to	ADP
gujaf-254	158	3	tella	tella	PROPN
gujaf-254	158	4	(	(	PUNCT
gujaf-254	158	5	2023	2023	NUM
gujaf-254	158	6	)	)	PUNCT
gujaf-254	158	7	,	,	PUNCT
gujaf-254	158	8	savings	saving	NOUN
gujaf-254	158	9	has	have	AUX
gujaf-254	158	10	been	be	AUX
gujaf-254	158	11	low	low	ADJ
gujaf-254	158	12	for	for	ADP
gujaf-254	158	13	many	many	ADJ
gujaf-254	158	14	reasons	reason	NOUN
gujaf-254	158	15	which	which	PRON
gujaf-254	158	16	include	include	VERB
gujaf-254	158	17	low	low	ADJ
gujaf-254	158	18	national	national	ADJ
gujaf-254	158	19	income	income	NOUN
gujaf-254	158	20	and	and	CCONJ
gujaf-254	158	21	wages	wage	NOUN
gujaf-254	158	22	,	,	PUNCT
gujaf-254	158	23	irregular	irregular	ADJ
gujaf-254	158	24	payment	payment	NOUN
gujaf-254	158	25	of	of	ADP
gujaf-254	158	26	salaries	salary	NOUN
gujaf-254	158	27	and	and	CCONJ
gujaf-254	158	28	non	non	ADJ
gujaf-254	158	29	-	-	NOUN
gujaf-254	158	30	remittance	remittance	NOUN
gujaf-254	158	31	of	of	ADP
gujaf-254	158	32	cooperative	cooperative	ADJ
gujaf-254	158	33	savings	saving	NOUN
gujaf-254	158	34	to	to	ADP
gujaf-254	158	35	cooperatives	cooperative	NOUN
gujaf-254	158	36	.	.	PUNCT
gujaf-254	159	1	currently	currently	ADV
gujaf-254	159	2	,	,	PUNCT
gujaf-254	159	3	cbn	cbn	PROPN
gujaf-254	159	4	figures	figure	NOUN
gujaf-254	159	5	reveal	reveal	VERB
gujaf-254	159	6	a	a	DET
gujaf-254	159	7	wide	wide	ADJ
gujaf-254	159	8	margin	margin	NOUN
gujaf-254	159	9	of	of	ADP
gujaf-254	159	10	22.14	22.14	NUM
gujaf-254	159	11	percent	percent	NOUN
gujaf-254	159	12	between	between	ADP
gujaf-254	159	13	the	the	DET
gujaf-254	159	14	maximum	maximum	ADJ
gujaf-254	159	15	lending	lending	NOUN
gujaf-254	159	16	rate	rate	NOUN
gujaf-254	159	17	(	(	PUNCT
gujaf-254	159	18	27.38	27.38	NUM
gujaf-254	159	19	%	%	NOUN
gujaf-254	159	20	)	)	PUNCT
gujaf-254	159	21	and	and	CCONJ
gujaf-254	159	22	savings	saving	NOUN
gujaf-254	159	23	deposit	deposit	NOUN
gujaf-254	159	24	rate	rate	NOUN
gujaf-254	159	25	(	(	PUNCT
gujaf-254	159	26	5.24	5.24	NUM
gujaf-254	159	27	%	%	NOUN
gujaf-254	159	28	)	)	PUNCT
gujaf-254	159	29	.	.	PUNCT
gujaf-254	160	1	to	to	PART
gujaf-254	160	2	boost	boost	VERB
gujaf-254	160	3	financial	financial	ADJ
gujaf-254	160	4	inclusion	inclusion	NOUN
gujaf-254	160	5	and	and	CCONJ
gujaf-254	160	6	expand	expand	VERB
gujaf-254	160	7	access	access	NOUN
gujaf-254	160	8	to	to	ADP
gujaf-254	160	9	finance	finance	NOUN
gujaf-254	160	10	,	,	PUNCT
gujaf-254	160	11	digital	digital	ADJ
gujaf-254	160	12	technology	technology	NOUN
gujaf-254	160	13	is	be	AUX
gujaf-254	160	14	not	not	PART
gujaf-254	160	15	enough	enough	ADJ
gujaf-254	160	16	on	on	ADP
gujaf-254	160	17	its	its	PRON
gujaf-254	160	18	own	own	ADJ
gujaf-254	160	19	(	(	PUNCT
gujaf-254	160	20	ozili	ozili	NOUN
gujaf-254	160	21	,	,	PUNCT
gujaf-254	160	22	2018	2018	NUM
gujaf-254	160	23	)	)	PUNCT
gujaf-254	160	24	.	.	PUNCT
gujaf-254	161	1	a	a	DET
gujaf-254	161	2	robust	robust	ADJ
gujaf-254	161	3	physical	physical	ADJ
gujaf-254	161	4	infrastructure	infrastructure	NOUN
gujaf-254	161	5	,	,	PUNCT
gujaf-254	161	6	suitable	suitable	ADJ
gujaf-254	161	7	rules	rule	NOUN
gujaf-254	161	8	and	and	CCONJ
gujaf-254	161	9	consumer	consumer	NOUN
gujaf-254	161	10	safeguards	safeguard	NOUN
gujaf-254	161	11	,	,	PUNCT
gujaf-254	161	12	awareness	awareness	NOUN
gujaf-254	161	13	of	of	ADP
gujaf-254	161	14	and	and	CCONJ
gujaf-254	161	15	trust	trust	NOUN
gujaf-254	161	16	in	in	ADP
gujaf-254	161	17	digital	digital	ADJ
gujaf-254	161	18	channels	channel	NOUN
gujaf-254	161	19	,	,	PUNCT
gujaf-254	161	20	among	among	ADP
gujaf-254	161	21	other	other	ADJ
gujaf-254	161	22	things	thing	NOUN
gujaf-254	161	23	,	,	PUNCT
gujaf-254	161	24	are	be	AUX
gujaf-254	161	25	required	require	VERB
gujaf-254	161	26	to	to	PART
gujaf-254	161	27	ensure	ensure	VERB
gujaf-254	161	28	that	that	SCONJ
gujaf-254	161	29	consumers	consumer	NOUN
gujaf-254	161	30	can	can	AUX
gujaf-254	161	31	access	access	VERB
gujaf-254	161	32	and	and	CCONJ
gujaf-254	161	33	profit	profit	NOUN
gujaf-254	161	34	from	from	ADP
gujaf-254	161	35	digital	digital	ADJ
gujaf-254	161	36	financial	financial	ADJ
gujaf-254	161	37	services	service	NOUN
gujaf-254	161	38	.	.	PUNCT
gujaf-254	162	1	additionally	additionally	ADV
gujaf-254	162	2	,	,	PUNCT
gujaf-254	162	3	it	it	PRON
gujaf-254	162	4	is	be	AUX
gujaf-254	162	5	crucial	crucial	ADJ
gujaf-254	162	6	to	to	PART
gujaf-254	162	7	cater	cater	VERB
gujaf-254	162	8	these	these	DET
gujaf-254	162	9	services	service	NOUN
gujaf-254	162	10	to	to	ADP
gujaf-254	162	11	the	the	DET
gujaf-254	162	12	requirements	requirement	NOUN
gujaf-254	162	13	of	of	ADP
gujaf-254	162	14	underserved	underserved	ADJ
gujaf-254	162	15	populations	population	NOUN
gujaf-254	162	16	,	,	PUNCT
gujaf-254	162	17	such	such	ADJ
gujaf-254	162	18	as	as	ADP
gujaf-254	162	19	women	woman	NOUN
gujaf-254	162	20	,	,	PUNCT
gujaf-254	162	21	the	the	DET
gujaf-254	162	22	poor	poor	ADJ
gujaf-254	162	23	,	,	PUNCT
gujaf-254	162	24	and	and	CCONJ
gujaf-254	162	25	firsttime	firsttime	NOUN
gujaf-254	162	26	customers	customer	NOUN
gujaf-254	162	27	of	of	ADP
gujaf-254	162	28	financial	financial	ADJ
gujaf-254	162	29	services	service	NOUN
gujaf-254	162	30	who	who	PRON
gujaf-254	162	31	may	may	AUX
gujaf-254	162	32	not	not	PART
gujaf-254	162	33	possess	possess	VERB
gujaf-254	162	34	strong	strong	ADJ
gujaf-254	162	35	literacy	literacy	NOUN
gujaf-254	162	36	and	and	CCONJ
gujaf-254	162	37	numeracy	numeracy	NOUN
gujaf-254	162	38	abilities	ability	NOUN
gujaf-254	162	39	.	.	PUNCT
gujaf-254	163	1	the	the	DET
gujaf-254	163	2	adoption	adoption	NOUN
gujaf-254	163	3	of	of	ADP
gujaf-254	163	4	dfs	dfs	PROPN
gujaf-254	163	5	could	could	AUX
gujaf-254	163	6	be	be	AUX
gujaf-254	163	7	hampered	hamper	VERB
gujaf-254	163	8	by	by	ADP
gujaf-254	163	9	not	not	PART
gujaf-254	163	10	paying	pay	VERB
gujaf-254	163	11	attention	attention	NOUN
gujaf-254	163	12	to	to	ADP
gujaf-254	163	13	these	these	DET
gujaf-254	163	14	elements	element	NOUN
gujaf-254	163	15	and	and	CCONJ
gujaf-254	163	16	needs	need	NOUN
gujaf-254	163	17	.	.	PUNCT
gujaf-254	164	1	(	(	PUNCT
gujaf-254	164	2	haider	haider	NOUN
gujaf-254	164	3	2018	2018	NUM
gujaf-254	164	4	)	)	PUNCT
gujaf-254	164	5	.	.	PUNCT
gujaf-254	165	1	however	however	ADV
gujaf-254	165	2	,	,	PUNCT
gujaf-254	165	3	enhancing	enhance	VERB
gujaf-254	165	4	the	the	DET
gujaf-254	165	5	availability	availability	NOUN
gujaf-254	165	6	of	of	ADP
gujaf-254	165	7	bank	bank	NOUN
gujaf-254	165	8	accounts	account	NOUN
gujaf-254	165	9	,	,	PUNCT
gujaf-254	165	10	alternative	alternative	ADJ
gujaf-254	165	11	delivery	delivery	NOUN
gujaf-254	165	12	channels	channel	NOUN
gujaf-254	165	13	like	like	ADP
gujaf-254	165	14	digital	digital	ADJ
gujaf-254	165	15	finance	finance	NOUN
gujaf-254	165	16	,	,	PUNCT
gujaf-254	165	17	and	and	CCONJ
gujaf-254	165	18	connecting	connect	VERB
gujaf-254	165	19	unofficial	unofficial	ADJ
gujaf-254	165	20	savings	saving	NOUN
gujaf-254	165	21	organisations	organisation	NOUN
gujaf-254	165	22	with	with	ADP
gujaf-254	165	23	official	official	ADJ
gujaf-254	165	24	financial	financial	ADJ
gujaf-254	165	25	institutions	institution	NOUN
gujaf-254	165	26	can	can	AUX
gujaf-254	165	27	enhance	enhance	VERB
gujaf-254	165	28	savings	savings	NOUN
gujaf-254	165	29	services	service	NOUN
gujaf-254	165	30	(	(	PUNCT
gujaf-254	165	31	simatele	simatele	NOUN
gujaf-254	165	32	,	,	PUNCT
gujaf-254	165	33	2021	2021	NUM
gujaf-254	165	34	)	)	PUNCT
gujaf-254	165	35	.	.	PUNCT
gujaf-254	166	1	several	several	ADJ
gujaf-254	166	2	studies	study	NOUN
gujaf-254	166	3	have	have	AUX
gujaf-254	166	4	been	be	AUX
gujaf-254	166	5	carried	carry	VERB
gujaf-254	166	6	out	out	ADP
gujaf-254	166	7	on	on	ADP
gujaf-254	166	8	digital	digital	ADJ
gujaf-254	166	9	financial	financial	ADJ
gujaf-254	166	10	services	service	NOUN
gujaf-254	166	11	and	and	CCONJ
gujaf-254	166	12	their	their	PRON
gujaf-254	166	13	impact	impact	NOUN
gujaf-254	166	14	on	on	ADP
gujaf-254	166	15	savings	saving	NOUN
gujaf-254	166	16	in	in	ADP
gujaf-254	166	17	africa	africa	PROPN
gujaf-254	166	18	(	(	PUNCT
gujaf-254	166	19	loaba	loaba	PROPN
gujaf-254	166	20	,	,	PUNCT
gujaf-254	166	21	2021	2021	NUM
gujaf-254	166	22	;	;	PUNCT
gujaf-254	166	23	mbuthia	mbuthia	PROPN
gujaf-254	166	24	&	&	CCONJ
gujaf-254	166	25	ndiritu	ndiritu	NOUN
gujaf-254	166	26	,	,	PUNCT
gujaf-254	166	27	2020	2020	NUM
gujaf-254	166	28	;	;	PUNCT
gujaf-254	166	29	ouma	ouma	PROPN
gujaf-254	166	30	,	,	PUNCT
gujaf-254	166	31	odongo	odongo	PROPN
gujaf-254	166	32	&	&	CCONJ
gujaf-254	166	33	were	be	AUX
gujaf-254	166	34	,	,	PUNCT
gujaf-254	166	35	2017	2017	NUM
gujaf-254	166	36	;	;	PUNCT
gujaf-254	166	37	amongst	amongst	ADP
gujaf-254	166	38	others	other	NOUN
gujaf-254	166	39	)	)	PUNCT
gujaf-254	166	40	.	.	PUNCT
gujaf-254	167	1	however	however	ADV
gujaf-254	167	2	,	,	PUNCT
gujaf-254	167	3	only	only	ADV
gujaf-254	167	4	few	few	ADJ
gujaf-254	167	5	literatures	literature	NOUN
gujaf-254	167	6	have	have	AUX
gujaf-254	167	7	focused	focus	VERB
gujaf-254	167	8	on	on	ADP
gujaf-254	167	9	nigeria	nigeria	PROPN
gujaf-254	167	10	(	(	PUNCT
gujaf-254	167	11	akinrinola	akinrinola	PROPN
gujaf-254	167	12	,	,	PUNCT
gujaf-254	167	13	omojola	omojola	PROPN
gujaf-254	167	14	,	,	PUNCT
gujaf-254	167	15	&	&	CCONJ
gujaf-254	167	16	audu	audu	NOUN
gujaf-254	167	17	,	,	PUNCT
gujaf-254	167	18	2023	2023	NUM
gujaf-254	167	19	;	;	PUNCT
gujaf-254	167	20	ekocha	ekocha	PROPN
gujaf-254	167	21	,	,	PUNCT
gujaf-254	167	22	ugwuanyi	ugwuanyi	PROPN
gujaf-254	167	23	,	,	PUNCT
gujaf-254	167	24	&	&	CCONJ
gujaf-254	167	25	ekocha	ekocha	NOUN
gujaf-254	167	26	,	,	PUNCT
gujaf-254	167	27	2023	2023	NUM
gujaf-254	167	28	)	)	PUNCT
gujaf-254	167	29	and	and	CCONJ
gujaf-254	167	30	to	to	ADP
gujaf-254	167	31	the	the	DET
gujaf-254	167	32	best	good	ADJ
gujaf-254	167	33	of	of	ADP
gujaf-254	167	34	the	the	DET
gujaf-254	167	35	researcher	researcher	NOUN
gujaf-254	167	36	’s	’s	PART
gujaf-254	167	37	knowledge	knowledge	NOUN
gujaf-254	167	38	,	,	PUNCT
gujaf-254	167	39	none	none	NOUN
gujaf-254	167	40	has	have	AUX
gujaf-254	167	41	considered	consider	VERB
gujaf-254	167	42	the	the	DET
gujaf-254	167	43	impact	impact	NOUN
gujaf-254	167	44	of	of	ADP
gujaf-254	167	45	digital	digital	ADJ
gujaf-254	167	46	financial	financial	ADJ
gujaf-254	167	47	services	service	NOUN
gujaf-254	167	48	on	on	ADP
gujaf-254	167	49	savings	saving	NOUN
gujaf-254	167	50	development	development	NOUN
gujaf-254	167	51	,	,	PUNCT
gujaf-254	167	52	akinrinola	akinrinola	PROPN
gujaf-254	167	53	et	et	PROPN
gujaf-254	167	54	al	al	PROPN
gujaf-254	167	55	.	.	PROPN
gujaf-254	167	56	,	,	PUNCT
gujaf-254	167	57	2023	2023	NUM
gujaf-254	167	58	and	and	CCONJ
gujaf-254	167	59	ekocha	ekocha	NOUN
gujaf-254	167	60	et	et	PROPN
gujaf-254	167	61	al	al	PROPN
gujaf-254	167	62	.	.	PROPN
gujaf-254	167	63	,	,	PUNCT
gujaf-254	167	64	2020	2020	NUM
gujaf-254	167	65	used	use	VERB
gujaf-254	167	66	household	household	NOUN
gujaf-254	167	67	savings	saving	NOUN
gujaf-254	167	68	and	and	CCONJ
gujaf-254	167	69	money	money	NOUN
gujaf-254	167	70	supply	supply	NOUN
gujaf-254	167	71	respectively	respectively	ADV
gujaf-254	167	72	,	,	PUNCT
gujaf-254	167	73	this	this	PRON
gujaf-254	167	74	forms	form	VERB
gujaf-254	167	75	a	a	DET
gujaf-254	167	76	gap	gap	NOUN
gujaf-254	167	77	in	in	ADP
gujaf-254	167	78	this	this	DET
gujaf-254	167	79	study	study	NOUN
gujaf-254	167	80	.	.	PUNCT
gujaf-254	168	1	this	this	DET
gujaf-254	168	2	study	study	NOUN
gujaf-254	168	3	aims	aim	VERB
gujaf-254	168	4	to	to	PART
gujaf-254	168	5	close	close	VERB
gujaf-254	168	6	this	this	DET
gujaf-254	168	7	gap	gap	NOUN
gujaf-254	168	8	by	by	ADP
gujaf-254	168	9	investigating	investigate	VERB
gujaf-254	168	10	the	the	DET
gujaf-254	168	11	impact	impact	NOUN
gujaf-254	168	12	of	of	ADP
gujaf-254	168	13	digital	digital	ADJ
gujaf-254	168	14	financial	financial	ADJ
gujaf-254	168	15	services	service	NOUN
gujaf-254	168	16	(	(	PUNCT
gujaf-254	168	17	dfs	dfs	PROPN
gujaf-254	168	18	)	)	PUNCT
gujaf-254	168	19	on	on	ADP
gujaf-254	168	20	savings	saving	NOUN
gujaf-254	168	21	development	development	NOUN
gujaf-254	168	22	in	in	ADP
gujaf-254	168	23	nigeria	nigeria	PROPN
gujaf-254	168	24	.	.	PUNCT
gujaf-254	169	1	the	the	DET
gujaf-254	169	2	main	main	ADJ
gujaf-254	169	3	objective	objective	NOUN
gujaf-254	169	4	of	of	ADP
gujaf-254	169	5	this	this	DET
gujaf-254	169	6	study	study	NOUN
gujaf-254	169	7	is	be	AUX
gujaf-254	169	8	to	to	PART
gujaf-254	169	9	ascertain	ascertain	VERB
gujaf-254	169	10	the	the	DET
gujaf-254	169	11	impact	impact	NOUN
gujaf-254	169	12	of	of	ADP
gujaf-254	169	13	dfs	dfs	PROPN
gujaf-254	169	14	on	on	ADP
gujaf-254	169	15	savings	saving	NOUN
gujaf-254	169	16	development	development	NOUN
gujaf-254	169	17	in	in	ADP
gujaf-254	169	18	nigeria	nigeria	PROPN
gujaf-254	169	19	using	use	VERB
gujaf-254	169	20	atm	atm	PROPN
gujaf-254	169	21	,	,	PUNCT
gujaf-254	169	22	mt	mt	PROPN
gujaf-254	169	23	,	,	PUNCT
gujaf-254	169	24	pos	pos	PROPN
gujaf-254	169	25	,	,	PUNCT
gujaf-254	169	26	and	and	CCONJ
gujaf-254	169	27	wt	wt	ADP
gujaf-254	169	28	as	as	ADP
gujaf-254	169	29	proxies	proxy	NOUN
gujaf-254	169	30	.	.	PUNCT
gujaf-254	170	1	the	the	DET
gujaf-254	170	2	following	follow	VERB
gujaf-254	170	3	research	research	NOUN
gujaf-254	170	4	question	question	NOUN
gujaf-254	170	5	is	be	AUX
gujaf-254	170	6	formulated	formulate	VERB
gujaf-254	170	7	to	to	PART
gujaf-254	170	8	guide	guide	VERB
gujaf-254	170	9	this	this	DET
gujaf-254	170	10	study	study	NOUN
gujaf-254	170	11	:	:	PUNCT
gujaf-254	170	12	why	why	SCONJ
gujaf-254	170	13	is	be	AUX
gujaf-254	170	14	dfs	dfs	PRON
gujaf-254	170	15	strategic	strategic	ADJ
gujaf-254	170	16	to	to	ADP
gujaf-254	170	17	savings	saving	NOUN
gujaf-254	170	18	development	development	NOUN
gujaf-254	170	19	and	and	CCONJ
gujaf-254	170	20	to	to	ADP
gujaf-254	170	21	what	what	DET
gujaf-254	170	22	extent	extent	NOUN
gujaf-254	170	23	has	have	VERB
gujaf-254	170	24	atm	atm	PROPN
gujaf-254	170	25	,	,	PUNCT
gujaf-254	170	26	mt	mt	PROPN
gujaf-254	170	27	,	,	PUNCT
gujaf-254	170	28	pos	pos	PROPN
gujaf-254	170	29	,	,	PUNCT
gujaf-254	170	30	and	and	CCONJ
gujaf-254	170	31	wt	wt	ADP
gujaf-254	170	32	improved	improve	VERB
gujaf-254	170	33	savings	saving	NOUN
gujaf-254	170	34	development	development	NOUN
gujaf-254	170	35	in	in	ADP
gujaf-254	170	36	nigeria	nigeria	PROPN
gujaf-254	170	37	?	?	PUNCT
gujaf-254	171	1	therefore	therefore	ADV
gujaf-254	171	2	,	,	PUNCT
gujaf-254	171	3	the	the	DET
gujaf-254	171	4	hypothesis	hypothesis	NOUN
gujaf-254	171	5	formulated	formulate	VERB
gujaf-254	171	6	for	for	ADP
gujaf-254	171	7	this	this	DET
gujaf-254	171	8	study	study	NOUN
gujaf-254	171	9	is	be	AUX
gujaf-254	171	10	that	that	SCONJ
gujaf-254	171	11	dfs	dfs	PROPN
gujaf-254	171	12	has	have	AUX
gujaf-254	171	13	not	not	PART
gujaf-254	171	14	significantly	significantly	ADV
gujaf-254	171	15	improved	improve	VERB
gujaf-254	171	16	savings	saving	NOUN
gujaf-254	171	17	development	development	NOUN
gujaf-254	171	18	in	in	ADP
gujaf-254	171	19	nigeria	nigeria	PROPN
gujaf-254	171	20	.	.	PUNCT
gujaf-254	172	1	therefore	therefore	ADV
gujaf-254	172	2	,	,	PUNCT
gujaf-254	172	3	this	this	DET
gujaf-254	172	4	188	188	NUM
gujaf-254	172	5	study	study	NOUN
gujaf-254	172	6	looks	look	VERB
gujaf-254	172	7	at	at	ADP
gujaf-254	172	8	the	the	DET
gujaf-254	172	9	relationship	relationship	NOUN
gujaf-254	172	10	between	between	ADP
gujaf-254	172	11	dfs	dfs	PROPN
gujaf-254	172	12	and	and	CCONJ
gujaf-254	172	13	savings	saving	NOUN
gujaf-254	172	14	development	development	NOUN
gujaf-254	172	15	in	in	ADP
gujaf-254	172	16	nigeria	nigeria	PROPN
gujaf-254	172	17	.	.	PUNCT
gujaf-254	173	1	according	accord	VERB
gujaf-254	173	2	to	to	ADP
gujaf-254	173	3	world	world	PROPN
gujaf-254	173	4	bank	bank	PROPN
gujaf-254	173	5	report	report	NOUN
gujaf-254	173	6	,	,	PUNCT
gujaf-254	173	7	nigeria	nigeria	PROPN
gujaf-254	173	8	is	be	AUX
gujaf-254	173	9	a	a	DET
gujaf-254	173	10	significant	significant	ADJ
gujaf-254	173	11	regional	regional	ADJ
gujaf-254	173	12	player	player	NOUN
gujaf-254	173	13	in	in	ADP
gujaf-254	173	14	west	west	PROPN
gujaf-254	173	15	africa	africa	PROPN
gujaf-254	173	16	accounting	account	VERB
gujaf-254	173	17	for	for	ADP
gujaf-254	173	18	almost	almost	ADV
gujaf-254	173	19	half	half	NOUN
gujaf-254	173	20	of	of	ADP
gujaf-254	173	21	west	west	PROPN
gujaf-254	173	22	africa	africa	PROPN
gujaf-254	173	23	’s	’s	PART
gujaf-254	173	24	population	population	NOUN
gujaf-254	173	25	with	with	ADP
gujaf-254	173	26	approximately	approximately	ADV
gujaf-254	173	27	220	220	NUM
gujaf-254	173	28	million	million	NUM
gujaf-254	173	29	people	people	NOUN
gujaf-254	173	30	and	and	CCONJ
gujaf-254	173	31	has	have	VERB
gujaf-254	173	32	the	the	DET
gujaf-254	173	33	largest	large	ADJ
gujaf-254	173	34	population	population	NOUN
gujaf-254	173	35	of	of	ADP
gujaf-254	173	36	youth	youth	NOUN
gujaf-254	173	37	in	in	ADP
gujaf-254	173	38	africa	africa	PROPN
gujaf-254	173	39	.	.	PUNCT
gujaf-254	174	1	the	the	DET
gujaf-254	174	2	study	study	NOUN
gujaf-254	174	3	covers	cover	VERB
gujaf-254	174	4	the	the	DET
gujaf-254	174	5	period	period	NOUN
gujaf-254	174	6	2009	2009	NUM
gujaf-254	174	7	to	to	ADP
gujaf-254	174	8	2021	2021	NUM
gujaf-254	174	9	due	due	ADP
gujaf-254	174	10	to	to	ADP
gujaf-254	174	11	the	the	DET
gujaf-254	174	12	availability	availability	NOUN
gujaf-254	174	13	of	of	ADP
gujaf-254	174	14	data	datum	NOUN
gujaf-254	174	15	to	to	PART
gujaf-254	174	16	provide	provide	VERB
gujaf-254	174	17	enough	enough	ADJ
gujaf-254	174	18	observation	observation	NOUN
gujaf-254	174	19	for	for	ADP
gujaf-254	174	20	dynamic	dynamic	ADJ
gujaf-254	174	21	analytics	analytic	NOUN
gujaf-254	174	22	.	.	PUNCT
gujaf-254	175	1	the	the	DET
gujaf-254	175	2	remaining	remain	VERB
gujaf-254	175	3	section	section	NOUN
gujaf-254	175	4	of	of	ADP
gujaf-254	175	5	this	this	DET
gujaf-254	175	6	paper	paper	NOUN
gujaf-254	175	7	is	be	AUX
gujaf-254	175	8	structured	structure	VERB
gujaf-254	175	9	as	as	SCONJ
gujaf-254	175	10	follows	follow	VERB
gujaf-254	175	11	:	:	PUNCT
gujaf-254	175	12	the	the	DET
gujaf-254	175	13	literature	literature	PROPN
gujaf-254	175	14	review	review	NOUN
gujaf-254	175	15	and	and	CCONJ
gujaf-254	175	16	gap	gap	NOUN
gujaf-254	175	17	in	in	ADP
gujaf-254	175	18	the	the	DET
gujaf-254	175	19	literature	literature	NOUN
gujaf-254	175	20	are	be	AUX
gujaf-254	175	21	presented	present	VERB
gujaf-254	175	22	in	in	ADP
gujaf-254	175	23	section	section	NOUN
gujaf-254	175	24	two	two	NUM
gujaf-254	175	25	(	(	PUNCT
gujaf-254	175	26	2	2	NUM
gujaf-254	175	27	)	)	PUNCT
gujaf-254	175	28	.	.	PUNCT
gujaf-254	176	1	materials	material	NOUN
gujaf-254	176	2	and	and	CCONJ
gujaf-254	176	3	methods	method	NOUN
gujaf-254	176	4	are	be	AUX
gujaf-254	176	5	discussed	discuss	VERB
gujaf-254	176	6	in	in	ADP
gujaf-254	176	7	section	section	NOUN
gujaf-254	176	8	three	three	NUM
gujaf-254	176	9	(	(	PUNCT
gujaf-254	176	10	3	3	NUM
gujaf-254	176	11	)	)	PUNCT
gujaf-254	176	12	.	.	PUNCT
gujaf-254	177	1	the	the	DET
gujaf-254	177	2	study	study	NOUN
gujaf-254	177	3	’s	’s	PART
gujaf-254	177	4	findings	finding	NOUN
gujaf-254	177	5	are	be	AUX
gujaf-254	177	6	discussed	discuss	VERB
gujaf-254	177	7	in	in	ADP
gujaf-254	177	8	section	section	NOUN
gujaf-254	177	9	four	four	NUM
gujaf-254	177	10	(	(	PUNCT
gujaf-254	177	11	4	4	NUM
gujaf-254	177	12	)	)	PUNCT
gujaf-254	177	13	while	while	SCONJ
gujaf-254	177	14	the	the	DET
gujaf-254	177	15	conclusion	conclusion	NOUN
gujaf-254	177	16	and	and	CCONJ
gujaf-254	177	17	recommendations	recommendation	NOUN
gujaf-254	177	18	are	be	AUX
gujaf-254	177	19	presented	present	VERB
gujaf-254	177	20	in	in	ADP
gujaf-254	177	21	section	section	NOUN
gujaf-254	177	22	five	five	NUM
gujaf-254	177	23	(	(	PUNCT
gujaf-254	177	24	5	5	NUM
gujaf-254	177	25	)	)	PUNCT
gujaf-254	177	26	.	.	PUNCT
gujaf-254	178	1	2	2	X
gujaf-254	178	2	.	.	X
gujaf-254	178	3	theoretical	theoretical	ADJ
gujaf-254	178	4	review	review	NOUN
gujaf-254	178	5	digital	digital	ADJ
gujaf-254	178	6	financial	financial	ADJ
gujaf-254	178	7	services	service	NOUN
gujaf-254	178	8	:	:	PUNCT
gujaf-254	178	9	dfs	dfs	PROPN
gujaf-254	178	10	are	be	AUX
gujaf-254	178	11	financial	financial	ADJ
gujaf-254	178	12	services	service	NOUN
gujaf-254	178	13	that	that	PRON
gujaf-254	178	14	combine	combine	VERB
gujaf-254	178	15	various	various	ADJ
gujaf-254	178	16	digital	digital	ADJ
gujaf-254	178	17	technologies	technology	NOUN
gujaf-254	178	18	to	to	PART
gujaf-254	178	19	accelerate	accelerate	VERB
gujaf-254	178	20	financial	financial	ADJ
gujaf-254	178	21	transactions	transaction	NOUN
gujaf-254	178	22	.	.	PUNCT
gujaf-254	179	1	according	accord	VERB
gujaf-254	179	2	to	to	ADP
gujaf-254	179	3	rashid	rashid	PROPN
gujaf-254	179	4	(	(	PUNCT
gujaf-254	179	5	2020	2020	NUM
gujaf-254	179	6	)	)	PUNCT
gujaf-254	179	7	dfs	dfs	NOUN
gujaf-254	179	8	is	be	AUX
gujaf-254	179	9	a	a	DET
gujaf-254	179	10	term	term	NOUN
gujaf-254	179	11	for	for	ADP
gujaf-254	179	12	a	a	DET
gujaf-254	179	13	group	group	NOUN
gujaf-254	179	14	of	of	ADP
gujaf-254	179	15	financial	financial	ADJ
gujaf-254	179	16	products	product	NOUN
gujaf-254	179	17	that	that	PRON
gujaf-254	179	18	are	be	AUX
gujaf-254	179	19	both	both	PRON
gujaf-254	179	20	affordable	affordable	ADJ
gujaf-254	179	21	and	and	CCONJ
gujaf-254	179	22	help	help	VERB
gujaf-254	179	23	to	to	PART
gujaf-254	179	24	fight	fight	VERB
gujaf-254	179	25	poverty	poverty	NOUN
gujaf-254	179	26	.	.	PUNCT
gujaf-254	180	1	fintech	fintech	NOUN
gujaf-254	180	2	,	,	PUNCT
gujaf-254	180	3	which	which	PRON
gujaf-254	180	4	makes	make	VERB
gujaf-254	180	5	it	it	PRON
gujaf-254	180	6	possible	possible	ADJ
gujaf-254	180	7	,	,	PUNCT
gujaf-254	180	8	helps	help	VERB
gujaf-254	180	9	to	to	PART
gujaf-254	180	10	reach	reach	VERB
gujaf-254	180	11	rural	rural	ADJ
gujaf-254	180	12	poor	poor	ADJ
gujaf-254	180	13	people	people	NOUN
gujaf-254	180	14	more	more	ADV
gujaf-254	180	15	easily	easily	ADV
gujaf-254	180	16	and	and	CCONJ
gujaf-254	180	17	at	at	ADP
gujaf-254	180	18	lower	low	ADJ
gujaf-254	180	19	prices	price	NOUN
gujaf-254	180	20	while	while	SCONJ
gujaf-254	180	21	also	also	ADV
gujaf-254	180	22	being	be	AUX
gujaf-254	180	23	accurate	accurate	ADJ
gujaf-254	180	24	,	,	PUNCT
gujaf-254	180	25	quick	quick	ADJ
gujaf-254	180	26	,	,	PUNCT
gujaf-254	180	27	and	and	CCONJ
gujaf-254	180	28	transparent	transparent	ADJ
gujaf-254	180	29	.	.	PUNCT
gujaf-254	181	1	world	world	PROPN
gujaf-254	181	2	bank	bank	PROPN
gujaf-254	181	3	group	group	NOUN
gujaf-254	181	4	(	(	PUNCT
gujaf-254	181	5	2020	2020	NUM
gujaf-254	181	6	)	)	PUNCT
gujaf-254	181	7	report	report	NOUN
gujaf-254	181	8	defined	define	VERB
gujaf-254	181	9	dfs	dfs	NOUN
gujaf-254	181	10	as	as	ADP
gujaf-254	181	11	financial	financial	ADJ
gujaf-254	181	12	services	service	NOUN
gujaf-254	181	13	which	which	PRON
gujaf-254	181	14	depend	depend	VERB
gujaf-254	181	15	on	on	ADP
gujaf-254	181	16	digital	digital	ADJ
gujaf-254	181	17	technologies	technology	NOUN
gujaf-254	181	18	for	for	ADP
gujaf-254	181	19	their	their	PRON
gujaf-254	181	20	distribution	distribution	NOUN
gujaf-254	181	21	and	and	CCONJ
gujaf-254	181	22	utilization	utilization	NOUN
gujaf-254	181	23	by	by	ADP
gujaf-254	181	24	clients	client	NOUN
gujaf-254	181	25	.	.	PUNCT
gujaf-254	182	1	the	the	DET
gujaf-254	182	2	ease	ease	NOUN
gujaf-254	182	3	that	that	PRON
gujaf-254	182	4	digital	digital	ADJ
gujaf-254	182	5	banking	banking	NOUN
gujaf-254	182	6	provides	provide	VERB
gujaf-254	182	7	to	to	ADP
gujaf-254	182	8	people	people	NOUN
gujaf-254	182	9	with	with	ADP
gujaf-254	182	10	low	low	ADJ
gujaf-254	182	11	and	and	CCONJ
gujaf-254	182	12	unpredictable	unpredictable	ADJ
gujaf-254	182	13	earnings	earning	NOUN
gujaf-254	182	14	may	may	AUX
gujaf-254	182	15	be	be	AUX
gujaf-254	182	16	more	more	ADV
gujaf-254	182	17	significant	significant	ADJ
gujaf-254	182	18	to	to	ADP
gujaf-254	182	19	them	they	PRON
gujaf-254	182	20	than	than	ADP
gujaf-254	182	21	the	the	DET
gujaf-254	182	22	additional	additional	ADJ
gujaf-254	182	23	fees	fee	NOUN
gujaf-254	182	24	they	they	PRON
gujaf-254	182	25	incur	incur	VERB
gujaf-254	182	26	to	to	PART
gujaf-254	182	27	get	get	VERB
gujaf-254	182	28	such	such	ADJ
gujaf-254	182	29	services	service	NOUN
gujaf-254	182	30	from	from	ADP
gujaf-254	182	31	traditional	traditional	ADJ
gujaf-254	182	32	controlled	control	VERB
gujaf-254	182	33	banking	banking	NOUN
gujaf-254	182	34	institutions	institution	NOUN
gujaf-254	182	35	(	(	PUNCT
gujaf-254	182	36	ozili	ozili	NOUN
gujaf-254	182	37	,	,	PUNCT
gujaf-254	182	38	2018	2018	NUM
gujaf-254	182	39	)	)	PUNCT
gujaf-254	182	40	.	.	PUNCT
gujaf-254	183	1	automated	automate	VERB
gujaf-254	183	2	teller	teller	NOUN
gujaf-254	183	3	machine	machine	NOUN
gujaf-254	183	4	(	(	PUNCT
gujaf-254	183	5	atm	atm	ADV
gujaf-254	183	6	):	):	PUNCT
gujaf-254	183	7	these	these	PRON
gujaf-254	183	8	are	be	AUX
gujaf-254	183	9	transactions	transaction	NOUN
gujaf-254	183	10	made	make	VERB
gujaf-254	183	11	using	use	VERB
gujaf-254	183	12	atm	atm	NOUN
gujaf-254	183	13	which	which	PRON
gujaf-254	183	14	are	be	AUX
gujaf-254	183	15	self	self	NOUN
gujaf-254	183	16	-	-	PUNCT
gujaf-254	183	17	service	service	NOUN
gujaf-254	183	18	machines	machine	NOUN
gujaf-254	183	19	that	that	PRON
gujaf-254	183	20	allow	allow	VERB
gujaf-254	183	21	customers	customer	NOUN
gujaf-254	183	22	to	to	PART
gujaf-254	183	23	perform	perform	VERB
gujaf-254	183	24	various	various	ADJ
gujaf-254	183	25	banking	banking	NOUN
gujaf-254	183	26	transactions	transaction	NOUN
gujaf-254	183	27	without	without	ADP
gujaf-254	183	28	visiting	visit	VERB
gujaf-254	183	29	a	a	DET
gujaf-254	183	30	bank	bank	NOUN
gujaf-254	183	31	branch	branch	NOUN
gujaf-254	183	32	.	.	PUNCT
gujaf-254	184	1	atms	atms	PROPN
gujaf-254	184	2	provide	provide	VERB
gujaf-254	184	3	services	service	NOUN
gujaf-254	184	4	such	such	ADJ
gujaf-254	184	5	as	as	ADP
gujaf-254	184	6	cash	cash	NOUN
gujaf-254	184	7	withdrawals	withdrawal	NOUN
gujaf-254	184	8	,	,	PUNCT
gujaf-254	184	9	balance	balance	NOUN
gujaf-254	184	10	inquiries	inquiry	NOUN
gujaf-254	184	11	,	,	PUNCT
gujaf-254	184	12	fund	fund	NOUN
gujaf-254	184	13	transfers	transfer	NOUN
gujaf-254	184	14	,	,	PUNCT
gujaf-254	184	15	and	and	CCONJ
gujaf-254	184	16	bill	bill	NOUN
gujaf-254	184	17	payments	payment	NOUN
gujaf-254	184	18	.	.	PUNCT
gujaf-254	185	1	cash	cash	NOUN
gujaf-254	185	2	withdrawals	withdrawal	NOUN
gujaf-254	185	3	from	from	ADP
gujaf-254	185	4	bank	bank	NOUN
gujaf-254	185	5	accounts	account	NOUN
gujaf-254	185	6	are	be	AUX
gujaf-254	185	7	done	do	VERB
gujaf-254	185	8	using	use	VERB
gujaf-254	185	9	atms	atms	NOUN
gujaf-254	185	10	.	.	PUNCT
gujaf-254	186	1	additionally	additionally	ADV
gujaf-254	186	2	,	,	PUNCT
gujaf-254	186	3	they	they	PRON
gujaf-254	186	4	have	have	AUX
gujaf-254	186	5	recently	recently	ADV
gujaf-254	186	6	been	be	AUX
gujaf-254	186	7	improved	improve	VERB
gujaf-254	186	8	to	to	PART
gujaf-254	186	9	now	now	ADV
gujaf-254	186	10	accept	accept	VERB
gujaf-254	186	11	cash	cash	NOUN
gujaf-254	186	12	deposits	deposit	NOUN
gujaf-254	186	13	or	or	CCONJ
gujaf-254	186	14	savings	saving	NOUN
gujaf-254	186	15	into	into	ADP
gujaf-254	186	16	bank	bank	NOUN
gujaf-254	186	17	accounts	account	NOUN
gujaf-254	186	18	.	.	PUNCT
gujaf-254	187	1	mobile	mobile	ADJ
gujaf-254	187	2	transfer	transfer	NOUN
gujaf-254	187	3	(	(	PUNCT
gujaf-254	187	4	mt	mt	PROPN
gujaf-254	187	5	):	):	PUNCT
gujaf-254	187	6	these	these	PRON
gujaf-254	187	7	are	be	AUX
gujaf-254	187	8	transactions	transaction	NOUN
gujaf-254	187	9	made	make	VERB
gujaf-254	187	10	using	use	VERB
gujaf-254	187	11	mobile	mobile	ADJ
gujaf-254	187	12	transfer	transfer	NOUN
gujaf-254	187	13	platforms	platform	NOUN
gujaf-254	187	14	.	.	PUNCT
gujaf-254	188	1	mobile	mobile	ADJ
gujaf-254	188	2	transfer	transfer	NOUN
gujaf-254	188	3	platforms	platform	NOUN
gujaf-254	188	4	refer	refer	VERB
gujaf-254	188	5	to	to	ADP
gujaf-254	188	6	financial	financial	ADJ
gujaf-254	188	7	services	service	NOUN
gujaf-254	188	8	that	that	PRON
gujaf-254	188	9	allow	allow	VERB
gujaf-254	188	10	individuals	individual	NOUN
gujaf-254	188	11	to	to	PART
gujaf-254	188	12	conduct	conduct	VERB
gujaf-254	188	13	monetary	monetary	ADJ
gujaf-254	188	14	transactions	transaction	NOUN
gujaf-254	188	15	using	use	VERB
gujaf-254	188	16	mobile	mobile	ADJ
gujaf-254	188	17	devices	device	NOUN
gujaf-254	188	18	,	,	PUNCT
gujaf-254	188	19	such	such	ADJ
gujaf-254	188	20	as	as	ADP
gujaf-254	188	21	smartphones	smartphone	NOUN
gujaf-254	188	22	.	.	PUNCT
gujaf-254	189	1	users	user	NOUN
gujaf-254	189	2	may	may	AUX
gujaf-254	189	3	utilize	utilize	VERB
gujaf-254	189	4	mobile	mobile	ADJ
gujaf-254	189	5	applications	application	NOUN
gujaf-254	189	6	or	or	CCONJ
gujaf-254	189	7	ussd	ussd	ADJ
gujaf-254	189	8	codes	code	NOUN
gujaf-254	189	9	to	to	PART
gujaf-254	189	10	access	access	VERB
gujaf-254	189	11	additional	additional	ADJ
gujaf-254	189	12	banking	banking	NOUN
gujaf-254	189	13	services	service	NOUN
gujaf-254	189	14	,	,	PUNCT
gujaf-254	189	15	make	make	VERB
gujaf-254	189	16	payments	payment	NOUN
gujaf-254	189	17	,	,	PUNCT
gujaf-254	189	18	and	and	CCONJ
gujaf-254	189	19	transfer	transfer	VERB
gujaf-254	189	20	money	money	NOUN
gujaf-254	189	21	.	.	PUNCT
gujaf-254	190	1	mobile	mobile	ADJ
gujaf-254	190	2	transfer	transfer	NOUN
gujaf-254	190	3	services	service	NOUN
gujaf-254	190	4	are	be	AUX
gujaf-254	190	5	a	a	DET
gujaf-254	190	6	crucial	crucial	ADJ
gujaf-254	190	7	part	part	NOUN
gujaf-254	190	8	of	of	ADP
gujaf-254	190	9	digital	digital	ADJ
gujaf-254	190	10	financial	financial	ADJ
gujaf-254	190	11	services	service	NOUN
gujaf-254	190	12	as	as	SCONJ
gujaf-254	190	13	they	they	PRON
gujaf-254	190	14	offer	offer	VERB
gujaf-254	190	15	a	a	DET
gujaf-254	190	16	simple	simple	ADJ
gujaf-254	190	17	and	and	CCONJ
gujaf-254	190	18	accessible	accessible	ADJ
gujaf-254	190	19	platform	platform	NOUN
gujaf-254	190	20	for	for	ADP
gujaf-254	190	21	digital	digital	ADJ
gujaf-254	190	22	transactions	transaction	NOUN
gujaf-254	190	23	.	.	PUNCT
gujaf-254	191	1	(	(	PUNCT
gujaf-254	191	2	gsma	gsma	NOUN
gujaf-254	191	3	,	,	PUNCT
gujaf-254	191	4	2021	2021	NUM
gujaf-254	191	5	)	)	PUNCT
gujaf-254	191	6	.	.	PUNCT
gujaf-254	192	1	189	189	NUM
gujaf-254	192	2	point	point	NOUN
gujaf-254	192	3	of	of	ADP
gujaf-254	192	4	sales	sale	NOUN
gujaf-254	192	5	(	(	PUNCT
gujaf-254	192	6	pos	pos	NOUN
gujaf-254	192	7	):	):	PUNCT
gujaf-254	192	8	a	a	DET
gujaf-254	192	9	point	point	NOUN
gujaf-254	192	10	-	-	PUNCT
gujaf-254	192	11	of	of	ADP
gujaf-254	192	12	-	-	PUNCT
gujaf-254	192	13	sale	sale	NOUN
gujaf-254	192	14	system	system	NOUN
gujaf-254	192	15	enables	enable	VERB
gujaf-254	192	16	customers	customer	NOUN
gujaf-254	192	17	to	to	PART
gujaf-254	192	18	complete	complete	VERB
gujaf-254	192	19	payments	payment	NOUN
gujaf-254	192	20	for	for	ADP
gujaf-254	192	21	goods	good	NOUN
gujaf-254	192	22	and	and	CCONJ
gujaf-254	192	23	services	service	NOUN
gujaf-254	192	24	via	via	ADP
gujaf-254	192	25	point	point	NOUN
gujaf-254	192	26	-	-	PUNCT
gujaf-254	192	27	of	of	ADP
gujaf-254	192	28	-	-	PUNCT
gujaf-254	192	29	sale	sale	NOUN
gujaf-254	192	30	terminals	terminal	NOUN
gujaf-254	192	31	and	and	CCONJ
gujaf-254	192	32	other	other	ADJ
gujaf-254	192	33	devices	device	NOUN
gujaf-254	192	34	.	.	PUNCT
gujaf-254	193	1	web	web	NOUN
gujaf-254	193	2	transfers	transfer	NOUN
gujaf-254	193	3	(	(	PUNCT
gujaf-254	193	4	wt	wt	NOUN
gujaf-254	193	5	):	):	PUNCT
gujaf-254	193	6	web	web	NOUN
gujaf-254	193	7	transfer	transfer	NOUN
gujaf-254	193	8	services	service	NOUN
gujaf-254	193	9	,	,	PUNCT
gujaf-254	193	10	commonly	commonly	ADV
gujaf-254	193	11	referred	refer	VERB
gujaf-254	193	12	to	to	ADP
gujaf-254	193	13	as	as	ADP
gujaf-254	193	14	electronic	electronic	ADJ
gujaf-254	193	15	payment	payment	NOUN
gujaf-254	193	16	systems	system	NOUN
gujaf-254	193	17	or	or	CCONJ
gujaf-254	193	18	online	online	ADJ
gujaf-254	193	19	payment	payment	NOUN
gujaf-254	193	20	systems	system	NOUN
gujaf-254	193	21	,	,	PUNCT
gujaf-254	193	22	enable	enable	VERB
gujaf-254	193	23	users	user	NOUN
gujaf-254	193	24	to	to	PART
gujaf-254	193	25	conduct	conduct	VERB
gujaf-254	193	26	financial	financial	ADJ
gujaf-254	193	27	transactions	transaction	NOUN
gujaf-254	193	28	via	via	ADP
gujaf-254	193	29	the	the	DET
gujaf-254	193	30	internet	internet	NOUN
gujaf-254	193	31	or	or	CCONJ
gujaf-254	193	32	in	in	ADP
gujaf-254	193	33	an	an	DET
gujaf-254	193	34	online	online	ADJ
gujaf-254	193	35	setting	setting	NOUN
gujaf-254	193	36	.	.	PUNCT
gujaf-254	194	1	savings	saving	NOUN
gujaf-254	194	2	raises	raise	VERB
gujaf-254	194	3	the	the	DET
gujaf-254	194	4	country	country	NOUN
gujaf-254	194	5	's	's	PART
gujaf-254	194	6	capital	capital	NOUN
gujaf-254	194	7	stock	stock	NOUN
gujaf-254	194	8	,	,	PUNCT
gujaf-254	194	9	which	which	PRON
gujaf-254	194	10	boosts	boost	VERB
gujaf-254	194	11	productivity	productivity	NOUN
gujaf-254	194	12	and	and	CCONJ
gujaf-254	194	13	raises	raise	VERB
gujaf-254	194	14	living	living	NOUN
gujaf-254	194	15	standards	standard	NOUN
gujaf-254	194	16	as	as	ADP
gujaf-254	194	17	a	a	DET
gujaf-254	194	18	result	result	NOUN
gujaf-254	194	19	.	.	PUNCT
gujaf-254	195	1	investments	investment	NOUN
gujaf-254	195	2	are	be	AUX
gujaf-254	195	3	not	not	PART
gujaf-254	195	4	always	always	ADV
gujaf-254	195	5	equivalent	equivalent	ADJ
gujaf-254	195	6	to	to	ADP
gujaf-254	195	7	national	national	ADJ
gujaf-254	195	8	savings	saving	NOUN
gujaf-254	195	9	in	in	ADP
gujaf-254	195	10	each	each	DET
gujaf-254	195	11	country	country	NOUN
gujaf-254	195	12	because	because	SCONJ
gujaf-254	195	13	capital	capital	NOUN
gujaf-254	195	14	is	be	AUX
gujaf-254	195	15	mobile	mobile	ADJ
gujaf-254	195	16	internationally	internationally	ADV
gujaf-254	195	17	(	(	PUNCT
gujaf-254	195	18	fredriksson	fredriksson	NOUN
gujaf-254	195	19	&	&	CCONJ
gujaf-254	195	20	staal	staal	PROPN
gujaf-254	195	21	,	,	PUNCT
gujaf-254	195	22	2022	2022	NUM
gujaf-254	195	23	)	)	PUNCT
gujaf-254	195	24	.	.	PUNCT
gujaf-254	196	1	savings	saving	NOUN
gujaf-254	196	2	development	development	NOUN
gujaf-254	196	3	is	be	AUX
gujaf-254	196	4	a	a	DET
gujaf-254	196	5	revolution	revolution	NOUN
gujaf-254	196	6	in	in	ADP
gujaf-254	196	7	the	the	DET
gujaf-254	196	8	financial	financial	ADJ
gujaf-254	196	9	system	system	NOUN
gujaf-254	196	10	that	that	PRON
gujaf-254	196	11	explains	explain	VERB
gujaf-254	196	12	how	how	SCONJ
gujaf-254	196	13	savings	saving	NOUN
gujaf-254	196	14	may	may	AUX
gujaf-254	196	15	grow	grow	VERB
gujaf-254	196	16	and	and	CCONJ
gujaf-254	196	17	perform	perform	VERB
gujaf-254	196	18	over	over	ADP
gujaf-254	196	19	time	time	NOUN
gujaf-254	196	20	.	.	PUNCT
gujaf-254	197	1	individuals	individual	NOUN
gujaf-254	197	2	and	and	CCONJ
gujaf-254	197	3	families	family	NOUN
gujaf-254	197	4	in	in	ADP
gujaf-254	197	5	advanced	advanced	ADJ
gujaf-254	197	6	countries	country	NOUN
gujaf-254	197	7	have	have	VERB
gujaf-254	197	8	readily	readily	ADV
gujaf-254	197	9	available	available	ADJ
gujaf-254	197	10	access	access	NOUN
gujaf-254	197	11	to	to	ADP
gujaf-254	197	12	credit	credit	NOUN
gujaf-254	197	13	since	since	SCONJ
gujaf-254	197	14	they	they	PRON
gujaf-254	197	15	can	can	AUX
gujaf-254	197	16	use	use	VERB
gujaf-254	197	17	their	their	PRON
gujaf-254	197	18	credit	credit	NOUN
gujaf-254	197	19	cards	card	NOUN
gujaf-254	197	20	to	to	PART
gujaf-254	197	21	overdraw	overdraw	VERB
gujaf-254	197	22	without	without	ADP
gujaf-254	197	23	making	make	VERB
gujaf-254	197	24	an	an	DET
gujaf-254	197	25	official	official	ADJ
gujaf-254	197	26	application	application	NOUN
gujaf-254	197	27	;	;	PUNCT
gujaf-254	197	28	this	this	PRON
gujaf-254	197	29	may	may	AUX
gujaf-254	197	30	reduce	reduce	VERB
gujaf-254	197	31	the	the	DET
gujaf-254	197	32	necessity	necessity	NOUN
gujaf-254	197	33	for	for	ADP
gujaf-254	197	34	saving	save	VERB
gujaf-254	197	35	.	.	PUNCT
gujaf-254	198	1	contrarily	contrarily	ADV
gujaf-254	198	2	,	,	PUNCT
gujaf-254	198	3	access	access	NOUN
gujaf-254	198	4	to	to	ADP
gujaf-254	198	5	credit	credit	NOUN
gujaf-254	198	6	is	be	AUX
gujaf-254	198	7	sometimes	sometimes	ADV
gujaf-254	198	8	more	more	ADV
gujaf-254	198	9	difficult	difficult	ADJ
gujaf-254	198	10	in	in	ADP
gujaf-254	198	11	developing	develop	VERB
gujaf-254	198	12	nations	nation	NOUN
gujaf-254	198	13	,	,	PUNCT
gujaf-254	198	14	particularly	particularly	ADV
gujaf-254	198	15	for	for	ADP
gujaf-254	198	16	those	those	PRON
gujaf-254	198	17	with	with	ADP
gujaf-254	198	18	low	low	ADJ
gujaf-254	198	19	incomes	income	NOUN
gujaf-254	198	20	,	,	PUNCT
gujaf-254	198	21	leading	lead	VERB
gujaf-254	198	22	them	they	PRON
gujaf-254	198	23	to	to	PART
gujaf-254	198	24	turn	turn	VERB
gujaf-254	198	25	to	to	ADP
gujaf-254	198	26	local	local	ADJ
gujaf-254	198	27	loan	loan	NOUN
gujaf-254	198	28	sharks	shark	NOUN
gujaf-254	198	29	for	for	ADP
gujaf-254	198	30	financing	financing	NOUN
gujaf-254	198	31	.	.	PUNCT
gujaf-254	199	1	people	people	NOUN
gujaf-254	199	2	would	would	AUX
gujaf-254	199	3	rather	rather	ADV
gujaf-254	199	4	forego	forego	VERB
gujaf-254	199	5	present	present	ADJ
gujaf-254	199	6	consumption	consumption	NOUN
gujaf-254	199	7	in	in	ADP
gujaf-254	199	8	favour	favour	NOUN
gujaf-254	199	9	of	of	ADP
gujaf-254	199	10	saving	save	VERB
gujaf-254	199	11	for	for	ADP
gujaf-254	199	12	the	the	DET
gujaf-254	199	13	future	future	NOUN
gujaf-254	199	14	since	since	SCONJ
gujaf-254	199	15	loan	loan	NOUN
gujaf-254	199	16	sharks	shark	NOUN
gujaf-254	199	17	receive	receive	VERB
gujaf-254	199	18	high	high	ADJ
gujaf-254	199	19	rates	rate	NOUN
gujaf-254	199	20	of	of	ADP
gujaf-254	199	21	interest	interest	NOUN
gujaf-254	199	22	(	(	PUNCT
gujaf-254	199	23	odejimi	odejimi	PROPN
gujaf-254	199	24	&	&	CCONJ
gujaf-254	199	25	edogiawerie	edogiawerie	PROPN
gujaf-254	199	26	,	,	PUNCT
gujaf-254	199	27	2019	2019	NUM
gujaf-254	199	28	)	)	PUNCT
gujaf-254	199	29	.	.	PUNCT
gujaf-254	200	1	rodriguez	rodriguez	NOUN
gujaf-254	200	2	and	and	CCONJ
gujaf-254	200	3	conrad	conrad	PROPN
gujaf-254	200	4	(	(	PUNCT
gujaf-254	200	5	2018	2018	NUM
gujaf-254	200	6	)	)	PUNCT
gujaf-254	200	7	in	in	ADP
gujaf-254	200	8	their	their	PRON
gujaf-254	200	9	study	study	NOUN
gujaf-254	200	10	found	find	VERB
gujaf-254	200	11	out	out	ADP
gujaf-254	200	12	that	that	SCONJ
gujaf-254	200	13	most	most	ADJ
gujaf-254	200	14	institutions	institution	NOUN
gujaf-254	200	15	implemented	implement	VERB
gujaf-254	200	16	an	an	DET
gujaf-254	200	17	agent	agent	NOUN
gujaf-254	200	18	channel	channel	NOUN
gujaf-254	200	19	because	because	SCONJ
gujaf-254	200	20	of	of	ADP
gujaf-254	200	21	a	a	DET
gujaf-254	200	22	strategic	strategic	ADJ
gujaf-254	200	23	decision	decision	NOUN
gujaf-254	200	24	to	to	PART
gujaf-254	200	25	mobilise	mobilise	VERB
gujaf-254	200	26	savings	saving	NOUN
gujaf-254	200	27	.	.	PUNCT
gujaf-254	201	1	they	they	PRON
gujaf-254	201	2	also	also	ADV
gujaf-254	201	3	suggested	suggest	VERB
gujaf-254	201	4	that	that	SCONJ
gujaf-254	201	5	banking	banking	NOUN
gujaf-254	201	6	institutions	institution	NOUN
gujaf-254	201	7	can	can	AUX
gujaf-254	201	8	make	make	VERB
gujaf-254	201	9	use	use	NOUN
gujaf-254	201	10	of	of	ADP
gujaf-254	201	11	intermediation	intermediation	NOUN
gujaf-254	201	12	or	or	CCONJ
gujaf-254	201	13	use	use	VERB
gujaf-254	201	14	a	a	DET
gujaf-254	201	15	less	less	ADV
gujaf-254	201	16	expensive	expensive	ADJ
gujaf-254	201	17	source	source	NOUN
gujaf-254	201	18	of	of	ADP
gujaf-254	201	19	funds	fund	NOUN
gujaf-254	201	20	to	to	PART
gujaf-254	201	21	support	support	VERB
gujaf-254	201	22	lending	lending	NOUN
gujaf-254	201	23	activities	activity	NOUN
gujaf-254	201	24	,	,	PUNCT
gujaf-254	201	25	by	by	ADP
gujaf-254	201	26	mobilising	mobilise	VERB
gujaf-254	201	27	deposits	deposit	NOUN
gujaf-254	201	28	and	and	CCONJ
gujaf-254	201	29	profiting	profit	VERB
gujaf-254	201	30	from	from	ADP
gujaf-254	201	31	the	the	DET
gujaf-254	201	32	gap	gap	NOUN
gujaf-254	201	33	between	between	ADP
gujaf-254	201	34	the	the	DET
gujaf-254	201	35	lending	lending	NOUN
gujaf-254	201	36	and	and	CCONJ
gujaf-254	201	37	savings	saving	NOUN
gujaf-254	201	38	interest	interest	NOUN
gujaf-254	201	39	rates	rate	NOUN
gujaf-254	201	40	.	.	PUNCT
gujaf-254	202	1	financial	financial	ADJ
gujaf-254	202	2	estimates	estimate	NOUN
gujaf-254	202	3	that	that	PRON
gujaf-254	202	4	consider	consider	VERB
gujaf-254	202	5	the	the	DET
gujaf-254	202	6	lower	low	ADJ
gujaf-254	202	7	funding	funding	NOUN
gujaf-254	202	8	expenses	expense	NOUN
gujaf-254	202	9	brought	bring	VERB
gujaf-254	202	10	on	on	ADP
gujaf-254	202	11	by	by	ADP
gujaf-254	202	12	savings	saving	NOUN
gujaf-254	202	13	in	in	ADP
gujaf-254	202	14	the	the	DET
gujaf-254	202	15	middleman	middleman	NOUN
gujaf-254	202	16	process	process	NOUN
gujaf-254	202	17	can	can	AUX
gujaf-254	202	18	improve	improve	VERB
gujaf-254	202	19	profitability	profitability	NOUN
gujaf-254	202	20	and	and	CCONJ
gujaf-254	202	21	,	,	PUNCT
gujaf-254	202	22	as	as	ADP
gujaf-254	202	23	a	a	DET
gujaf-254	202	24	result	result	NOUN
gujaf-254	202	25	,	,	PUNCT
gujaf-254	202	26	the	the	DET
gujaf-254	202	27	viability	viability	NOUN
gujaf-254	202	28	of	of	ADP
gujaf-254	202	29	a	a	DET
gujaf-254	202	30	digital	digital	ADJ
gujaf-254	202	31	service	service	NOUN
gujaf-254	202	32	.	.	PUNCT
gujaf-254	203	1	furthermore	furthermore	ADV
gujaf-254	203	2	,	,	PUNCT
gujaf-254	203	3	based	base	VERB
gujaf-254	203	4	on	on	ADP
gujaf-254	203	5	the	the	DET
gujaf-254	203	6	study	study	NOUN
gujaf-254	203	7	's	's	PART
gujaf-254	203	8	findings	finding	NOUN
gujaf-254	203	9	,	,	PUNCT
gujaf-254	203	10	two	two	NUM
gujaf-254	203	11	institutions	institution	NOUN
gujaf-254	203	12	monitored	monitor	VERB
gujaf-254	203	13	the	the	DET
gujaf-254	203	14	number	number	NOUN
gujaf-254	203	15	of	of	ADP
gujaf-254	203	16	cash	cash	NOUN
gujaf-254	203	17	-	-	PUNCT
gujaf-254	203	18	ins	in	NOUN
gujaf-254	203	19	for	for	ADP
gujaf-254	203	20	savings	saving	NOUN
gujaf-254	203	21	.	.	PUNCT
gujaf-254	204	1	during	during	ADP
gujaf-254	204	2	the	the	DET
gujaf-254	204	3	duration	duration	NOUN
gujaf-254	204	4	of	of	ADP
gujaf-254	204	5	the	the	DET
gujaf-254	204	6	investigation	investigation	NOUN
gujaf-254	204	7	,	,	PUNCT
gujaf-254	204	8	one	one	NUM
gujaf-254	204	9	institution	institution	NOUN
gujaf-254	204	10	did	do	AUX
gujaf-254	204	11	not	not	PART
gujaf-254	204	12	notice	notice	VERB
gujaf-254	204	13	any	any	DET
gujaf-254	204	14	corresponding	corresponding	ADJ
gujaf-254	204	15	growth	growth	NOUN
gujaf-254	204	16	in	in	ADP
gujaf-254	204	17	savings	saving	NOUN
gujaf-254	204	18	for	for	ADP
gujaf-254	204	19	users	user	NOUN
gujaf-254	204	20	of	of	ADP
gujaf-254	204	21	agent	agent	NOUN
gujaf-254	204	22	banking	banking	NOUN
gujaf-254	204	23	.	.	PUNCT
gujaf-254	205	1	the	the	DET
gujaf-254	205	2	other	other	ADJ
gujaf-254	205	3	,	,	PUNCT
gujaf-254	205	4	on	on	ADP
gujaf-254	205	5	the	the	DET
gujaf-254	205	6	other	other	ADJ
gujaf-254	205	7	hand	hand	NOUN
gujaf-254	205	8	,	,	PUNCT
gujaf-254	205	9	reported	report	VERB
gujaf-254	205	10	a	a	DET
gujaf-254	205	11	good	good	ADJ
gujaf-254	205	12	level	level	NOUN
gujaf-254	205	13	of	of	ADP
gujaf-254	205	14	savings	saving	NOUN
gujaf-254	205	15	mobilisation	mobilisation	NOUN
gujaf-254	205	16	through	through	ADP
gujaf-254	205	17	the	the	DET
gujaf-254	205	18	agent	agent	NOUN
gujaf-254	205	19	channel	channel	NOUN
gujaf-254	205	20	,	,	PUNCT
gujaf-254	205	21	doubling	double	VERB
gujaf-254	205	22	the	the	DET
gujaf-254	205	23	amount	amount	NOUN
gujaf-254	205	24	of	of	ADP
gujaf-254	205	25	savings	saving	NOUN
gujaf-254	205	26	mobilised	mobilise	VERB
gujaf-254	205	27	through	through	ADP
gujaf-254	205	28	the	the	DET
gujaf-254	205	29	channel	channel	NOUN
gujaf-254	205	30	between	between	ADP
gujaf-254	205	31	january	january	PROPN
gujaf-254	205	32	and	and	CCONJ
gujaf-254	205	33	december	december	PROPN
gujaf-254	205	34	2017	2017	NUM
gujaf-254	205	35	(	(	PUNCT
gujaf-254	205	36	rodriguez	rodriguez	PROPN
gujaf-254	205	37	&	&	CCONJ
gujaf-254	205	38	conrad	conrad	PROPN
gujaf-254	205	39	,	,	PUNCT
gujaf-254	205	40	2018	2018	NUM
gujaf-254	205	41	)	)	PUNCT
gujaf-254	205	42	.	.	PUNCT
gujaf-254	206	1	several	several	ADJ
gujaf-254	206	2	theories	theory	NOUN
gujaf-254	206	3	attempt	attempt	VERB
gujaf-254	206	4	to	to	PART
gujaf-254	206	5	elucidate	elucidate	VERB
gujaf-254	206	6	the	the	DET
gujaf-254	206	7	influence	influence	NOUN
gujaf-254	206	8	of	of	ADP
gujaf-254	206	9	digital	digital	ADJ
gujaf-254	206	10	financial	financial	ADJ
gujaf-254	206	11	services	service	NOUN
gujaf-254	206	12	and	and	CCONJ
gujaf-254	206	13	the	the	DET
gujaf-254	206	14	level	level	NOUN
gujaf-254	206	15	of	of	ADP
gujaf-254	206	16	savings	saving	NOUN
gujaf-254	206	17	.	.	PUNCT
gujaf-254	207	1	four	four	NUM
gujaf-254	207	2	theories	theory	NOUN
gujaf-254	207	3	considered	consider	VERB
gujaf-254	207	4	relevant	relevant	ADJ
gujaf-254	207	5	to	to	ADP
gujaf-254	207	6	this	this	DET
gujaf-254	207	7	study	study	NOUN
gujaf-254	207	8	were	be	AUX
gujaf-254	207	9	reviewed	review	VERB
gujaf-254	207	10	to	to	PART
gujaf-254	207	11	explain	explain	VERB
gujaf-254	207	12	the	the	DET
gujaf-254	207	13	relationship	relationship	NOUN
gujaf-254	207	14	between	between	ADP
gujaf-254	207	15	digital	digital	ADJ
gujaf-254	207	16	financial	financial	ADJ
gujaf-254	207	17	services	service	NOUN
gujaf-254	207	18	and	and	CCONJ
gujaf-254	207	19	savings	saving	NOUN
gujaf-254	207	20	190	190	NUM
gujaf-254	207	21	development	development	NOUN
gujaf-254	207	22	in	in	ADP
gujaf-254	207	23	nigeria	nigeria	PROPN
gujaf-254	207	24	.	.	PUNCT
gujaf-254	208	1	however	however	ADV
gujaf-254	208	2	,	,	PUNCT
gujaf-254	208	3	the	the	DET
gujaf-254	208	4	study	study	NOUN
gujaf-254	208	5	is	be	AUX
gujaf-254	208	6	anchored	anchor	VERB
gujaf-254	208	7	on	on	ADP
gujaf-254	208	8	technology	technology	NOUN
gujaf-254	208	9	acceptance	acceptance	NOUN
gujaf-254	208	10	theory	theory	NOUN
gujaf-254	208	11	.	.	PUNCT
gujaf-254	209	1	in	in	ADP
gujaf-254	209	2	the	the	DET
gujaf-254	209	3	neoclassical	neoclassical	ADJ
gujaf-254	209	4	thought	thought	NOUN
gujaf-254	209	5	,	,	PUNCT
gujaf-254	209	6	technology	technology	NOUN
gujaf-254	209	7	is	be	AUX
gujaf-254	209	8	the	the	DET
gujaf-254	209	9	basic	basic	ADJ
gujaf-254	209	10	language	language	NOUN
gujaf-254	209	11	of	of	ADP
gujaf-254	209	12	rapid	rapid	ADJ
gujaf-254	209	13	development	development	NOUN
gujaf-254	209	14	.	.	PUNCT
gujaf-254	210	1	technology	technology	NOUN
gujaf-254	210	2	acceptance	acceptance	NOUN
gujaf-254	210	3	theory	theory	NOUN
gujaf-254	210	4	(	(	PUNCT
gujaf-254	210	5	davies	davy	NOUN
gujaf-254	210	6	,	,	PUNCT
gujaf-254	210	7	1985	1985	NUM
gujaf-254	210	8	)	)	PUNCT
gujaf-254	210	9	explains	explain	VERB
gujaf-254	210	10	the	the	DET
gujaf-254	210	11	acceptance	acceptance	NOUN
gujaf-254	210	12	and	and	CCONJ
gujaf-254	210	13	usage	usage	NOUN
gujaf-254	210	14	of	of	ADP
gujaf-254	210	15	a	a	DET
gujaf-254	210	16	new	new	ADJ
gujaf-254	210	17	technology	technology	NOUN
gujaf-254	210	18	.	.	PUNCT
gujaf-254	211	1	according	accord	VERB
gujaf-254	211	2	to	to	ADP
gujaf-254	211	3	akinrinola	akinrinola	PROPN
gujaf-254	211	4	,	,	PUNCT
gujaf-254	211	5	omojola	omojola	PROPN
gujaf-254	211	6	,	,	PUNCT
gujaf-254	211	7	and	and	CCONJ
gujaf-254	211	8	audu	audu	NOUN
gujaf-254	211	9	(	(	PUNCT
gujaf-254	211	10	2023	2023	NUM
gujaf-254	211	11	)	)	PUNCT
gujaf-254	211	12	,	,	PUNCT
gujaf-254	211	13	it	it	PRON
gujaf-254	211	14	is	be	AUX
gujaf-254	211	15	safe	safe	ADJ
gujaf-254	211	16	to	to	PART
gujaf-254	211	17	say	say	VERB
gujaf-254	211	18	that	that	SCONJ
gujaf-254	211	19	the	the	DET
gujaf-254	211	20	usefulness	usefulness	NOUN
gujaf-254	211	21	of	of	ADP
gujaf-254	211	22	a	a	DET
gujaf-254	211	23	financial	financial	ADJ
gujaf-254	211	24	technology	technology	NOUN
gujaf-254	211	25	is	be	AUX
gujaf-254	211	26	determined	determine	VERB
gujaf-254	211	27	by	by	ADP
gujaf-254	211	28	the	the	DET
gujaf-254	211	29	effectiveness	effectiveness	NOUN
gujaf-254	211	30	of	of	ADP
gujaf-254	211	31	the	the	DET
gujaf-254	211	32	payment	payment	NOUN
gujaf-254	211	33	channels	channel	NOUN
gujaf-254	211	34	and	and	CCONJ
gujaf-254	211	35	instruments	instrument	NOUN
gujaf-254	211	36	in	in	ADP
gujaf-254	211	37	the	the	DET
gujaf-254	211	38	user	user	NOUN
gujaf-254	211	39	’s	’s	PART
gujaf-254	211	40	financial	financial	ADJ
gujaf-254	211	41	interactions	interaction	NOUN
gujaf-254	211	42	with	with	ADP
gujaf-254	211	43	others	other	NOUN
gujaf-254	211	44	.	.	PUNCT
gujaf-254	212	1	when	when	SCONJ
gujaf-254	212	2	compared	compare	VERB
gujaf-254	212	3	with	with	ADP
gujaf-254	212	4	the	the	DET
gujaf-254	212	5	existing	exist	VERB
gujaf-254	212	6	payment	payment	NOUN
gujaf-254	212	7	methods	method	NOUN
gujaf-254	212	8	,	,	PUNCT
gujaf-254	212	9	if	if	SCONJ
gujaf-254	212	10	the	the	DET
gujaf-254	212	11	proposed	propose	VERB
gujaf-254	212	12	technology	technology	NOUN
gujaf-254	212	13	is	be	AUX
gujaf-254	212	14	not	not	PART
gujaf-254	212	15	considered	consider	VERB
gujaf-254	212	16	effective	effective	ADJ
gujaf-254	212	17	or	or	CCONJ
gujaf-254	212	18	more	more	ADV
gujaf-254	212	19	effective	effective	ADJ
gujaf-254	212	20	,	,	PUNCT
gujaf-254	212	21	the	the	DET
gujaf-254	212	22	users	user	NOUN
gujaf-254	212	23	would	would	AUX
gujaf-254	212	24	rather	rather	ADV
gujaf-254	212	25	not	not	PART
gujaf-254	212	26	accept	accept	VERB
gujaf-254	212	27	it	it	PRON
gujaf-254	212	28	.	.	PUNCT
gujaf-254	213	1	this	this	DET
gujaf-254	213	2	theory	theory	NOUN
gujaf-254	213	3	basically	basically	ADV
gujaf-254	213	4	explains	explain	VERB
gujaf-254	213	5	the	the	DET
gujaf-254	213	6	conditions	condition	NOUN
gujaf-254	213	7	that	that	PRON
gujaf-254	213	8	will	will	AUX
gujaf-254	213	9	make	make	VERB
gujaf-254	213	10	a	a	DET
gujaf-254	213	11	user	user	NOUN
gujaf-254	213	12	accept	accept	VERB
gujaf-254	213	13	a	a	DET
gujaf-254	213	14	new	new	ADJ
gujaf-254	213	15	technology	technology	NOUN
gujaf-254	213	16	to	to	PART
gujaf-254	213	17	ease	ease	VERB
gujaf-254	213	18	job	job	NOUN
gujaf-254	213	19	performance	performance	NOUN
gujaf-254	213	20	(	(	PUNCT
gujaf-254	213	21	aielemen	aielemen	PROPN
gujaf-254	213	22	,	,	PUNCT
gujaf-254	213	23	enobong	enobong	PROPN
gujaf-254	213	24	,	,	PUNCT
gujaf-254	213	25	osuma	osuma	PROPN
gujaf-254	213	26	,	,	PUNCT
gujaf-254	213	27	evbuomwan	evbuomwan	PROPN
gujaf-254	213	28	,	,	PUNCT
gujaf-254	213	29	&	&	CCONJ
gujaf-254	213	30	ndigwe	ndigwe	NOUN
gujaf-254	213	31	,	,	PUNCT
gujaf-254	213	32	2018	2018	NUM
gujaf-254	213	33	)	)	PUNCT
gujaf-254	213	34	.	.	PUNCT
gujaf-254	214	1	therefore	therefore	ADV
gujaf-254	214	2	,	,	PUNCT
gujaf-254	214	3	savings	saving	NOUN
gujaf-254	214	4	development	development	NOUN
gujaf-254	214	5	may	may	AUX
gujaf-254	214	6	require	require	VERB
gujaf-254	214	7	discovery	discovery	NOUN
gujaf-254	214	8	and	and	CCONJ
gujaf-254	214	9	innovativeness	innovativeness	NOUN
gujaf-254	214	10	in	in	ADP
gujaf-254	214	11	digital	digital	ADJ
gujaf-254	214	12	savings	saving	NOUN
gujaf-254	214	13	instruments	instrument	NOUN
gujaf-254	214	14	that	that	PRON
gujaf-254	214	15	could	could	AUX
gujaf-254	214	16	make	make	VERB
gujaf-254	214	17	savings	saving	NOUN
gujaf-254	214	18	more	more	ADV
gujaf-254	214	19	attractive	attractive	ADJ
gujaf-254	214	20	and	and	CCONJ
gujaf-254	214	21	hence	hence	ADV
gujaf-254	214	22	significantly	significantly	ADV
gujaf-254	214	23	improve	improve	VERB
gujaf-254	214	24	the	the	DET
gujaf-254	214	25	capacity	capacity	NOUN
gujaf-254	214	26	and	and	CCONJ
gujaf-254	214	27	capability	capability	NOUN
gujaf-254	214	28	of	of	ADP
gujaf-254	214	29	the	the	DET
gujaf-254	214	30	individual	individual	ADJ
gujaf-254	214	31	,	,	PUNCT
gujaf-254	214	32	corporate	corporate	ADJ
gujaf-254	214	33	saver	saver	NOUN
gujaf-254	214	34	,	,	PUNCT
gujaf-254	214	35	and	and	CCONJ
gujaf-254	214	36	government	government	NOUN
gujaf-254	214	37	.	.	PUNCT
gujaf-254	215	1	furthermore	furthermore	ADV
gujaf-254	215	2	,	,	PUNCT
gujaf-254	215	3	for	for	ADP
gujaf-254	215	4	an	an	DET
gujaf-254	215	5	economy	economy	NOUN
gujaf-254	215	6	in	in	ADP
gujaf-254	215	7	need	need	NOUN
gujaf-254	215	8	of	of	ADP
gujaf-254	215	9	higher	high	ADJ
gujaf-254	215	10	investment	investment	NOUN
gujaf-254	215	11	level	level	NOUN
gujaf-254	215	12	for	for	ADP
gujaf-254	215	13	higher	high	ADJ
gujaf-254	215	14	growth	growth	NOUN
gujaf-254	215	15	rate	rate	NOUN
gujaf-254	215	16	like	like	ADP
gujaf-254	215	17	nigeria	nigeria	PROPN
gujaf-254	215	18	,	,	PUNCT
gujaf-254	215	19	the	the	DET
gujaf-254	215	20	theory	theory	NOUN
gujaf-254	215	21	of	of	ADP
gujaf-254	215	22	second	second	ADV
gujaf-254	215	23	-	-	PUNCT
gujaf-254	215	24	best	good	ADJ
gujaf-254	215	25	(	(	PUNCT
gujaf-254	215	26	lipsey	lipsey	NOUN
gujaf-254	215	27	and	and	CCONJ
gujaf-254	215	28	lancaster	lancaster	NOUN
gujaf-254	215	29	,	,	PUNCT
gujaf-254	215	30	1957	1957	NUM
gujaf-254	215	31	)	)	PUNCT
gujaf-254	215	32	may	may	AUX
gujaf-254	215	33	be	be	AUX
gujaf-254	215	34	applicable	applicable	ADJ
gujaf-254	215	35	via	via	ADP
gujaf-254	215	36	savings	saving	NOUN
gujaf-254	215	37	development	development	NOUN
gujaf-254	215	38	.	.	PUNCT
gujaf-254	216	1	the	the	DET
gujaf-254	216	2	equilibrium	equilibrium	NOUN
gujaf-254	216	3	of	of	ADP
gujaf-254	216	4	investment	investment	NOUN
gujaf-254	216	5	and	and	CCONJ
gujaf-254	216	6	saving	save	VERB
gujaf-254	216	7	function	function	NOUN
gujaf-254	216	8	are	be	AUX
gujaf-254	216	9	critical	critical	ADJ
gujaf-254	216	10	to	to	ADP
gujaf-254	216	11	a	a	DET
gujaf-254	216	12	desired	desire	VERB
gujaf-254	216	13	level	level	NOUN
gujaf-254	216	14	of	of	ADP
gujaf-254	216	15	output	output	NOUN
gujaf-254	216	16	and	and	CCONJ
gujaf-254	216	17	employment	employment	NOUN
gujaf-254	216	18	.	.	PUNCT
gujaf-254	217	1	as	as	SCONJ
gujaf-254	217	2	earlier	early	ADV
gujaf-254	217	3	explained	explain	VERB
gujaf-254	217	4	,	,	PUNCT
gujaf-254	217	5	the	the	DET
gujaf-254	217	6	second	second	ADV
gujaf-254	217	7	-	-	PUNCT
gujaf-254	217	8	best	good	ADJ
gujaf-254	217	9	theory	theory	NOUN
gujaf-254	217	10	reveals	reveal	VERB
gujaf-254	217	11	that	that	SCONJ
gujaf-254	217	12	every	every	DET
gujaf-254	217	13	economic	economic	ADJ
gujaf-254	217	14	model	model	NOUN
gujaf-254	217	15	such	such	ADJ
gujaf-254	217	16	as	as	ADP
gujaf-254	217	17	the	the	DET
gujaf-254	217	18	equilibrium	equilibrium	NOUN
gujaf-254	217	19	level	level	NOUN
gujaf-254	217	20	of	of	ADP
gujaf-254	217	21	output	output	NOUN
gujaf-254	217	22	is	be	AUX
gujaf-254	217	23	a	a	DET
gujaf-254	217	24	function	function	NOUN
gujaf-254	217	25	of	of	ADP
gujaf-254	217	26	simultaneous	simultaneous	ADJ
gujaf-254	217	27	equilibrium	equilibrium	NOUN
gujaf-254	217	28	of	of	ADP
gujaf-254	217	29	the	the	DET
gujaf-254	217	30	system	system	NOUN
gujaf-254	217	31	’s	’s	PART
gujaf-254	217	32	components	component	NOUN
gujaf-254	217	33	,	,	PUNCT
gujaf-254	217	34	such	such	ADJ
gujaf-254	217	35	that	that	SCONJ
gujaf-254	217	36	,	,	PUNCT
gujaf-254	217	37	should	should	AUX
gujaf-254	217	38	any	any	PRON
gujaf-254	217	39	of	of	ADP
gujaf-254	217	40	the	the	DET
gujaf-254	217	41	components	component	NOUN
gujaf-254	217	42	fail	fail	VERB
gujaf-254	217	43	to	to	PART
gujaf-254	217	44	equilibrate	equilibrate	VERB
gujaf-254	217	45	,	,	PUNCT
gujaf-254	217	46	what	what	PRON
gujaf-254	217	47	may	may	AUX
gujaf-254	217	48	result	result	VERB
gujaf-254	217	49	is	be	AUX
gujaf-254	217	50	a	a	DET
gujaf-254	217	51	second	second	ADV
gujaf-254	217	52	-	-	PUNCT
gujaf-254	217	53	best	good	ADJ
gujaf-254	217	54	equilibrium	equilibrium	NOUN
gujaf-254	217	55	condition	condition	NOUN
gujaf-254	217	56	,	,	PUNCT
gujaf-254	217	57	which	which	PRON
gujaf-254	217	58	may	may	AUX
gujaf-254	217	59	be	be	AUX
gujaf-254	217	60	suboptimal	suboptimal	ADJ
gujaf-254	217	61	.	.	PUNCT
gujaf-254	218	1	diffusion	diffusion	NOUN
gujaf-254	218	2	of	of	ADP
gujaf-254	218	3	innovation	innovation	NOUN
gujaf-254	218	4	theory	theory	NOUN
gujaf-254	218	5	:	:	PUNCT
gujaf-254	218	6	since	since	SCONJ
gujaf-254	218	7	the	the	DET
gujaf-254	218	8	introduction	introduction	NOUN
gujaf-254	218	9	of	of	ADP
gujaf-254	218	10	digital	digital	ADJ
gujaf-254	218	11	financial	financial	ADJ
gujaf-254	218	12	services	service	NOUN
gujaf-254	218	13	can	can	AUX
gujaf-254	218	14	be	be	AUX
gujaf-254	218	15	linked	link	VERB
gujaf-254	218	16	to	to	ADP
gujaf-254	218	17	advancements	advancement	NOUN
gujaf-254	218	18	in	in	ADP
gujaf-254	218	19	mobile	mobile	ADJ
gujaf-254	218	20	technology	technology	NOUN
gujaf-254	218	21	and	and	CCONJ
gujaf-254	218	22	information	information	NOUN
gujaf-254	218	23	technology	technology	NOUN
gujaf-254	218	24	,	,	PUNCT
gujaf-254	218	25	it	it	PRON
gujaf-254	218	26	is	be	AUX
gujaf-254	218	27	safe	safe	ADJ
gujaf-254	218	28	to	to	PART
gujaf-254	218	29	assume	assume	VERB
gujaf-254	218	30	that	that	SCONJ
gujaf-254	218	31	continued	continue	VERB
gujaf-254	218	32	advancements	advancement	NOUN
gujaf-254	218	33	in	in	ADP
gujaf-254	218	34	technologically	technologically	ADV
gujaf-254	218	35	assisted	assist	VERB
gujaf-254	218	36	payment	payment	NOUN
gujaf-254	218	37	systems	system	NOUN
gujaf-254	218	38	will	will	AUX
gujaf-254	218	39	increase	increase	VERB
gujaf-254	218	40	society	society	NOUN
gujaf-254	218	41	's	's	PART
gujaf-254	218	42	acceptance	acceptance	NOUN
gujaf-254	218	43	of	of	ADP
gujaf-254	218	44	digital	digital	ADJ
gujaf-254	218	45	financial	financial	ADJ
gujaf-254	218	46	transactions	transaction	NOUN
gujaf-254	218	47	(	(	PUNCT
gujaf-254	218	48	rogers	roger	NOUN
gujaf-254	218	49	,	,	PUNCT
gujaf-254	218	50	1962	1962	NUM
gujaf-254	218	51	)	)	PUNCT
gujaf-254	218	52	.	.	PUNCT
gujaf-254	219	1	also	also	ADV
gujaf-254	219	2	,	,	PUNCT
gujaf-254	219	3	the	the	DET
gujaf-254	219	4	theory	theory	NOUN
gujaf-254	219	5	explains	explain	VERB
gujaf-254	219	6	the	the	DET
gujaf-254	219	7	spread	spread	NOUN
gujaf-254	219	8	and	and	CCONJ
gujaf-254	219	9	acceptance	acceptance	NOUN
gujaf-254	219	10	of	of	ADP
gujaf-254	219	11	new	new	ADJ
gujaf-254	219	12	innovations	innovation	NOUN
gujaf-254	219	13	by	by	ADP
gujaf-254	219	14	its	its	PRON
gujaf-254	219	15	users	user	NOUN
gujaf-254	219	16	.	.	PUNCT
gujaf-254	220	1	this	this	DET
gujaf-254	220	2	further	further	ADJ
gujaf-254	220	3	highlights	highlight	NOUN
gujaf-254	220	4	the	the	DET
gujaf-254	220	5	specific	specific	ADJ
gujaf-254	220	6	needs	need	NOUN
gujaf-254	220	7	of	of	ADP
gujaf-254	220	8	each	each	DET
gujaf-254	220	9	user	user	NOUN
gujaf-254	220	10	group	group	NOUN
gujaf-254	220	11	,	,	PUNCT
gujaf-254	220	12	identify	identify	VERB
gujaf-254	220	13	,	,	PUNCT
gujaf-254	220	14	and	and	CCONJ
gujaf-254	220	15	integrates	integrate	VERB
gujaf-254	220	16	it	it	PRON
gujaf-254	220	17	and	and	CCONJ
gujaf-254	220	18	offer	offer	VERB
gujaf-254	220	19	inclusive	inclusive	ADJ
gujaf-254	220	20	technology	technology	NOUN
gujaf-254	220	21	to	to	PART
gujaf-254	220	22	suit	suit	VERB
gujaf-254	220	23	the	the	DET
gujaf-254	220	24	various	various	ADJ
gujaf-254	220	25	customer	customer	NOUN
gujaf-254	220	26	groups	group	NOUN
gujaf-254	220	27	.	.	PUNCT
gujaf-254	221	1	theory	theory	NOUN
gujaf-254	221	2	of	of	ADP
gujaf-254	221	3	financial	financial	ADJ
gujaf-254	221	4	innovations	innovation	NOUN
gujaf-254	221	5	:	:	PUNCT
gujaf-254	221	6	the	the	DET
gujaf-254	221	7	financial	financial	ADJ
gujaf-254	221	8	innovation	innovation	NOUN
gujaf-254	221	9	theory	theory	NOUN
gujaf-254	221	10	propounded	propound	VERB
gujaf-254	221	11	by	by	ADP
gujaf-254	221	12	silber	silber	PROPN
gujaf-254	221	13	(	(	PUNCT
gujaf-254	221	14	1983	1983	NUM
gujaf-254	221	15	)	)	PUNCT
gujaf-254	221	16	stated	state	VERB
gujaf-254	221	17	that	that	SCONJ
gujaf-254	221	18	the	the	DET
gujaf-254	221	19	primary	primary	ADJ
gujaf-254	221	20	reason	reason	NOUN
gujaf-254	221	21	for	for	SCONJ
gujaf-254	221	22	a	a	DET
gujaf-254	221	23	firm	firm	NOUN
gujaf-254	221	24	to	to	PART
gujaf-254	221	25	embrace	embrace	VERB
gujaf-254	221	26	financial	financial	ADJ
gujaf-254	221	27	innovation	innovation	NOUN
gujaf-254	221	28	is	be	AUX
gujaf-254	221	29	to	to	PART
gujaf-254	221	30	strengthen	strengthen	VERB
gujaf-254	221	31	its	its	PRON
gujaf-254	221	32	financial	financial	ADJ
gujaf-254	221	33	position	position	NOUN
gujaf-254	221	34	.	.	PUNCT
gujaf-254	222	1	recent	recent	ADJ
gujaf-254	222	2	reforms	reform	NOUN
gujaf-254	222	3	,	,	PUNCT
gujaf-254	222	4	particularly	particularly	ADV
gujaf-254	222	5	the	the	DET
gujaf-254	222	6	covid-19	covid-19	PROPN
gujaf-254	222	7	pandemic	pandemic	NOUN
gujaf-254	222	8	,	,	PUNCT
gujaf-254	222	9	have	have	AUX
gujaf-254	222	10	had	have	VERB
gujaf-254	222	11	a	a	DET
gujaf-254	222	12	significant	significant	ADJ
gujaf-254	222	13	impact	impact	NOUN
gujaf-254	222	14	on	on	ADP
gujaf-254	222	15	financial	financial	ADJ
gujaf-254	222	16	markets	market	NOUN
gujaf-254	222	17	around	around	ADP
gujaf-254	222	18	the	the	DET
gujaf-254	222	19	world	world	NOUN
gujaf-254	222	20	.	.	PUNCT
gujaf-254	223	1	for	for	ADP
gujaf-254	223	2	many	many	ADJ
gujaf-254	223	3	years	year	NOUN
gujaf-254	223	4	,	,	PUNCT
gujaf-254	223	5	the	the	DET
gujaf-254	223	6	growth	growth	NOUN
gujaf-254	223	7	of	of	ADP
gujaf-254	223	8	international	international	ADJ
gujaf-254	223	9	financial	financial	ADJ
gujaf-254	223	10	markets	market	NOUN
gujaf-254	223	11	has	have	AUX
gujaf-254	223	12	been	be	AUX
gujaf-254	223	13	191	191	NUM
gujaf-254	223	14	dependent	dependent	ADJ
gujaf-254	223	15	on	on	ADP
gujaf-254	223	16	the	the	DET
gujaf-254	223	17	implementation	implementation	NOUN
gujaf-254	223	18	of	of	ADP
gujaf-254	223	19	financial	financial	ADJ
gujaf-254	223	20	innovations	innovation	NOUN
gujaf-254	223	21	.	.	PUNCT
gujaf-254	224	1	these	these	DET
gujaf-254	224	2	developments	development	NOUN
gujaf-254	224	3	have	have	AUX
gujaf-254	224	4	given	give	VERB
gujaf-254	224	5	rise	rise	NOUN
gujaf-254	224	6	to	to	ADP
gujaf-254	224	7	new	new	ADJ
gujaf-254	224	8	financial	financial	ADJ
gujaf-254	224	9	instruments	instrument	NOUN
gujaf-254	224	10	,	,	PUNCT
gujaf-254	224	11	reduced	reduce	VERB
gujaf-254	224	12	risk	risk	NOUN
gujaf-254	224	13	,	,	PUNCT
gujaf-254	224	14	and	and	CCONJ
gujaf-254	224	15	increased	increase	VERB
gujaf-254	224	16	liquidity	liquidity	NOUN
gujaf-254	224	17	.	.	PUNCT
gujaf-254	225	1	akinrinola	akinrinola	PROPN
gujaf-254	225	2	,	,	PUNCT
gujaf-254	225	3	omojola	omojola	PROPN
gujaf-254	225	4	,	,	PUNCT
gujaf-254	225	5	and	and	CCONJ
gujaf-254	225	6	audu	audu	NOUN
gujaf-254	225	7	(	(	PUNCT
gujaf-254	225	8	2023	2023	NUM
gujaf-254	225	9	)	)	PUNCT
gujaf-254	225	10	studied	study	VERB
gujaf-254	225	11	the	the	DET
gujaf-254	225	12	impact	impact	NOUN
gujaf-254	225	13	of	of	ADP
gujaf-254	225	14	technology	technology	NOUN
gujaf-254	225	15	for	for	ADP
gujaf-254	225	16	digital	digital	ADJ
gujaf-254	225	17	financial	financial	ADJ
gujaf-254	225	18	inclusion	inclusion	NOUN
gujaf-254	225	19	on	on	ADP
gujaf-254	225	20	nigeria	nigeria	PROPN
gujaf-254	225	21	's	's	PART
gujaf-254	225	22	savings	saving	NOUN
gujaf-254	225	23	rate	rate	NOUN
gujaf-254	225	24	from	from	ADP
gujaf-254	225	25	2009	2009	NUM
gujaf-254	225	26	to	to	ADP
gujaf-254	225	27	2019	2019	NUM
gujaf-254	225	28	.	.	PUNCT
gujaf-254	226	1	the	the	DET
gujaf-254	226	2	study	study	NOUN
gujaf-254	226	3	utilized	utilize	VERB
gujaf-254	226	4	the	the	DET
gujaf-254	226	5	multiple	multiple	ADJ
gujaf-254	226	6	regression	regression	NOUN
gujaf-254	226	7	model	model	NOUN
gujaf-254	226	8	and	and	CCONJ
gujaf-254	226	9	the	the	DET
gujaf-254	226	10	results	result	NOUN
gujaf-254	226	11	indicated	indicate	VERB
gujaf-254	226	12	that	that	SCONJ
gujaf-254	226	13	while	while	SCONJ
gujaf-254	226	14	pos	pos	NOUN
gujaf-254	226	15	has	have	VERB
gujaf-254	226	16	a	a	DET
gujaf-254	226	17	negative	negative	ADJ
gujaf-254	226	18	impact	impact	NOUN
gujaf-254	226	19	on	on	ADP
gujaf-254	226	20	savings	saving	NOUN
gujaf-254	226	21	levels	level	NOUN
gujaf-254	226	22	in	in	ADP
gujaf-254	226	23	nigeria	nigeria	PROPN
gujaf-254	226	24	,	,	PUNCT
gujaf-254	226	25	atm	atm	PROPN
gujaf-254	226	26	,	,	PUNCT
gujaf-254	226	27	online	online	ADJ
gujaf-254	226	28	pay	pay	NOUN
gujaf-254	226	29	,	,	PUNCT
gujaf-254	226	30	and	and	CCONJ
gujaf-254	226	31	mobile	mobile	ADJ
gujaf-254	226	32	pay	pay	NOUN
gujaf-254	226	33	all	all	PRON
gujaf-254	226	34	have	have	VERB
gujaf-254	226	35	a	a	DET
gujaf-254	226	36	favourable	favourable	ADJ
gujaf-254	226	37	impact	impact	NOUN
gujaf-254	226	38	.	.	PUNCT
gujaf-254	227	1	the	the	DET
gujaf-254	227	2	study	study	NOUN
gujaf-254	227	3	concludes	conclude	VERB
gujaf-254	227	4	that	that	SCONJ
gujaf-254	227	5	the	the	DET
gujaf-254	227	6	amount	amount	NOUN
gujaf-254	227	7	of	of	ADP
gujaf-254	227	8	savings	saving	NOUN
gujaf-254	227	9	in	in	ADP
gujaf-254	227	10	nigeria	nigeria	PROPN
gujaf-254	227	11	is	be	AUX
gujaf-254	227	12	significantly	significantly	ADV
gujaf-254	227	13	impacted	impact	VERB
gujaf-254	227	14	by	by	ADP
gujaf-254	227	15	digital	digital	ADJ
gujaf-254	227	16	financial	financial	ADJ
gujaf-254	227	17	inclusion	inclusion	NOUN
gujaf-254	227	18	.	.	PUNCT
gujaf-254	228	1	figuet	figuet	PROPN
gujaf-254	228	2	and	and	CCONJ
gujaf-254	228	3	kere	kere	PROPN
gujaf-254	228	4	(	(	PUNCT
gujaf-254	228	5	2022	2022	NUM
gujaf-254	228	6	)	)	PUNCT
gujaf-254	228	7	evaluated	evaluate	VERB
gujaf-254	228	8	the	the	DET
gujaf-254	228	9	influence	influence	NOUN
gujaf-254	228	10	of	of	ADP
gujaf-254	228	11	digitalization	digitalization	NOUN
gujaf-254	228	12	of	of	ADP
gujaf-254	228	13	financial	financial	ADJ
gujaf-254	228	14	services	service	NOUN
gujaf-254	228	15	on	on	ADP
gujaf-254	228	16	financial	financial	ADJ
gujaf-254	228	17	inclusion	inclusion	NOUN
gujaf-254	228	18	in	in	ADP
gujaf-254	228	19	africa	africa	PROPN
gujaf-254	228	20	from	from	ADP
gujaf-254	228	21	2011	2011	NUM
gujaf-254	228	22	to	to	ADP
gujaf-254	228	23	2017	2017	NUM
gujaf-254	228	24	.	.	PUNCT
gujaf-254	229	1	using	use	VERB
gujaf-254	229	2	several	several	ADJ
gujaf-254	229	3	methodological	methodological	ADJ
gujaf-254	229	4	reviews	review	NOUN
gujaf-254	229	5	,	,	PUNCT
gujaf-254	229	6	the	the	DET
gujaf-254	229	7	study	study	NOUN
gujaf-254	229	8	discovered	discover	VERB
gujaf-254	229	9	the	the	DET
gujaf-254	229	10	existence	existence	NOUN
gujaf-254	229	11	of	of	ADP
gujaf-254	229	12	a	a	DET
gujaf-254	229	13	positive	positive	ADJ
gujaf-254	229	14	and	and	CCONJ
gujaf-254	229	15	significant	significant	ADJ
gujaf-254	229	16	impact	impact	NOUN
gujaf-254	229	17	of	of	ADP
gujaf-254	229	18	mobile	mobile	ADJ
gujaf-254	229	19	money	money	NOUN
gujaf-254	229	20	and	and	CCONJ
gujaf-254	229	21	digital	digital	ADJ
gujaf-254	229	22	payments	payment	NOUN
gujaf-254	229	23	on	on	ADP
gujaf-254	229	24	bank	bank	NOUN
gujaf-254	229	25	account	account	NOUN
gujaf-254	229	26	penetration	penetration	NOUN
gujaf-254	229	27	,	,	PUNCT
gujaf-254	229	28	access	access	NOUN
gujaf-254	229	29	to	to	ADP
gujaf-254	229	30	credit	credit	NOUN
gujaf-254	229	31	and	and	CCONJ
gujaf-254	229	32	savings	saving	NOUN
gujaf-254	229	33	mobilization	mobilization	NOUN
gujaf-254	229	34	.	.	PUNCT
gujaf-254	230	1	mbuthia	mbuthia	PROPN
gujaf-254	230	2	and	and	CCONJ
gujaf-254	230	3	ndiritu	ndiritu	NOUN
gujaf-254	230	4	(	(	PUNCT
gujaf-254	230	5	2020	2020	NUM
gujaf-254	230	6	)	)	PUNCT
gujaf-254	230	7	assessed	assess	VERB
gujaf-254	230	8	the	the	DET
gujaf-254	230	9	factors	factor	NOUN
gujaf-254	230	10	that	that	PRON
gujaf-254	230	11	influence	influence	VERB
gujaf-254	230	12	kenyan	kenyan	ADJ
gujaf-254	230	13	savings	saving	NOUN
gujaf-254	230	14	mobilization	mobilization	NOUN
gujaf-254	230	15	in	in	ADP
gujaf-254	230	16	formal	formal	ADJ
gujaf-254	230	17	financial	financial	ADJ
gujaf-254	230	18	institutions	institution	NOUN
gujaf-254	230	19	in	in	ADP
gujaf-254	230	20	2009	2009	NUM
gujaf-254	230	21	.	.	PUNCT
gujaf-254	231	1	the	the	DET
gujaf-254	231	2	study	study	NOUN
gujaf-254	231	3	utilized	utilize	VERB
gujaf-254	231	4	a	a	DET
gujaf-254	231	5	nonexperimental	nonexperimental	ADJ
gujaf-254	231	6	research	research	NOUN
gujaf-254	231	7	design	design	NOUN
gujaf-254	231	8	and	and	CCONJ
gujaf-254	231	9	employed	employ	VERB
gujaf-254	231	10	both	both	CCONJ
gujaf-254	231	11	descriptive	descriptive	ADJ
gujaf-254	231	12	and	and	CCONJ
gujaf-254	231	13	inferential	inferential	ADJ
gujaf-254	231	14	statistics	statistic	NOUN
gujaf-254	231	15	for	for	ADP
gujaf-254	231	16	data	datum	NOUN
gujaf-254	231	17	analysis	analysis	NOUN
gujaf-254	231	18	.	.	PUNCT
gujaf-254	232	1	findings	finding	NOUN
gujaf-254	232	2	revealed	reveal	VERB
gujaf-254	232	3	that	that	SCONJ
gujaf-254	232	4	factors	factor	NOUN
gujaf-254	232	5	such	such	ADJ
gujaf-254	232	6	as	as	ADP
gujaf-254	232	7	the	the	DET
gujaf-254	232	8	availability	availability	NOUN
gujaf-254	232	9	of	of	ADP
gujaf-254	232	10	loans	loan	NOUN
gujaf-254	232	11	,	,	PUNCT
gujaf-254	232	12	one	one	NUM
gujaf-254	232	13	's	's	PART
gujaf-254	232	14	level	level	NOUN
gujaf-254	232	15	of	of	ADP
gujaf-254	232	16	financial	financial	ADJ
gujaf-254	232	17	literacy	literacy	NOUN
gujaf-254	232	18	,	,	PUNCT
gujaf-254	232	19	where	where	SCONJ
gujaf-254	232	20	one	one	NUM
gujaf-254	232	21	lives	live	VERB
gujaf-254	232	22	,	,	PUNCT
gujaf-254	232	23	what	what	DET
gujaf-254	232	24	industry	industry	NOUN
gujaf-254	232	25	one	one	NUM
gujaf-254	232	26	works	work	VERB
gujaf-254	232	27	in	in	ADP
gujaf-254	232	28	,	,	PUNCT
gujaf-254	232	29	expectations	expectation	NOUN
gujaf-254	232	30	for	for	ADP
gujaf-254	232	31	the	the	DET
gujaf-254	232	32	future	future	ADJ
gujaf-254	232	33	state	state	NOUN
gujaf-254	232	34	of	of	ADP
gujaf-254	232	35	the	the	DET
gujaf-254	232	36	economy	economy	NOUN
gujaf-254	232	37	,	,	PUNCT
gujaf-254	232	38	one	one	NUM
gujaf-254	232	39	's	's	PART
gujaf-254	232	40	level	level	NOUN
gujaf-254	232	41	of	of	ADP
gujaf-254	232	42	income	income	NOUN
gujaf-254	232	43	,	,	PUNCT
gujaf-254	232	44	the	the	DET
gujaf-254	232	45	number	number	NOUN
gujaf-254	232	46	of	of	ADP
gujaf-254	232	47	banks	bank	NOUN
gujaf-254	232	48	in	in	ADP
gujaf-254	232	49	one	one	NUM
gujaf-254	232	50	's	's	PART
gujaf-254	232	51	neighbourhood	neighbourhood	NOUN
gujaf-254	232	52	,	,	PUNCT
gujaf-254	232	53	transaction	transaction	NOUN
gujaf-254	232	54	costs	cost	NOUN
gujaf-254	232	55	,	,	PUNCT
gujaf-254	232	56	and	and	CCONJ
gujaf-254	232	57	the	the	DET
gujaf-254	232	58	distance	distance	NOUN
gujaf-254	232	59	to	to	ADP
gujaf-254	232	60	the	the	DET
gujaf-254	232	61	nearest	near	ADJ
gujaf-254	232	62	bank	bank	NOUN
gujaf-254	232	63	branch	branch	NOUN
gujaf-254	232	64	all	all	PRON
gujaf-254	232	65	have	have	VERB
gujaf-254	232	66	an	an	DET
gujaf-254	232	67	impact	impact	NOUN
gujaf-254	232	68	on	on	ADP
gujaf-254	232	69	whether	whether	SCONJ
gujaf-254	232	70	a	a	DET
gujaf-254	232	71	household	household	NOUN
gujaf-254	232	72	decides	decide	VERB
gujaf-254	232	73	to	to	PART
gujaf-254	232	74	save	save	VERB
gujaf-254	232	75	money	money	NOUN
gujaf-254	232	76	in	in	ADP
gujaf-254	232	77	formal	formal	ADJ
gujaf-254	232	78	financial	financial	ADJ
gujaf-254	232	79	institutions	institution	NOUN
gujaf-254	232	80	.	.	PUNCT
gujaf-254	233	1	eke	eke	ADJ
gujaf-254	233	2	,	,	PUNCT
gujaf-254	233	3	okoye	okoye	PROPN
gujaf-254	233	4	and	and	CCONJ
gujaf-254	233	5	omankhanlen	omankhanlen	VERB
gujaf-254	233	6	(	(	PUNCT
gujaf-254	233	7	2021	2021	NUM
gujaf-254	233	8	)	)	PUNCT
gujaf-254	233	9	examined	examine	VERB
gujaf-254	233	10	the	the	DET
gujaf-254	233	11	prior	prior	ADJ
gujaf-254	233	12	-	-	PUNCT
gujaf-254	233	13	savings	saving	NOUN
gujaf-254	233	14	theory	theory	NOUN
gujaf-254	233	15	in	in	ADP
gujaf-254	233	16	nigeria	nigeria	PROPN
gujaf-254	233	17	from	from	ADP
gujaf-254	233	18	1980	1980	NUM
gujaf-254	233	19	to	to	ADP
gujaf-254	233	20	2018	2018	NUM
gujaf-254	233	21	using	use	VERB
gujaf-254	233	22	an	an	DET
gujaf-254	233	23	improved	improved	ADJ
gujaf-254	233	24	toda	toda	PROPN
gujaf-254	233	25	-	-	PUNCT
gujaf-254	233	26	yamamoto	yamamoto	PROPN
gujaf-254	233	27	long	long	ADJ
gujaf-254	233	28	-	-	PUNCT
gujaf-254	233	29	run	run	VERB
gujaf-254	233	30	non	non	ADJ
gujaf-254	233	31	-	-	ADJ
gujaf-254	233	32	causality	causality	NOUN
gujaf-254	233	33	approach	approach	NOUN
gujaf-254	233	34	.	.	PUNCT
gujaf-254	234	1	the	the	DET
gujaf-254	234	2	results	result	NOUN
gujaf-254	234	3	revealed	reveal	VERB
gujaf-254	234	4	that	that	SCONJ
gujaf-254	234	5	gross	gross	ADJ
gujaf-254	234	6	fixed	fix	VERB
gujaf-254	234	7	capital	capital	NOUN
gujaf-254	234	8	formation	formation	NOUN
gujaf-254	234	9	(	(	PUNCT
gujaf-254	234	10	gfcf	gfcf	NOUN
gujaf-254	234	11	)	)	PUNCT
gujaf-254	234	12	is	be	AUX
gujaf-254	234	13	significantly	significantly	ADV
gujaf-254	234	14	negatively	negatively	ADV
gujaf-254	234	15	impacted	impact	VERB
gujaf-254	234	16	by	by	ADP
gujaf-254	234	17	pension	pension	NOUN
gujaf-254	234	18	saving	saving	NOUN
gujaf-254	234	19	,	,	PUNCT
gujaf-254	234	20	which	which	PRON
gujaf-254	234	21	may	may	AUX
gujaf-254	234	22	imply	imply	VERB
gujaf-254	234	23	weak	weak	ADJ
gujaf-254	234	24	linkage	linkage	NOUN
gujaf-254	234	25	between	between	ADP
gujaf-254	234	26	the	the	DET
gujaf-254	234	27	economy	economy	NOUN
gujaf-254	234	28	’s	’s	PART
gujaf-254	234	29	instrument	instrument	NOUN
gujaf-254	234	30	for	for	ADP
gujaf-254	234	31	savings	saving	NOUN
gujaf-254	234	32	development	development	NOUN
gujaf-254	234	33	and	and	CCONJ
gujaf-254	234	34	(	(	PUNCT
gujaf-254	234	35	gfcf	gfcf	NOUN
gujaf-254	234	36	)	)	PUNCT
gujaf-254	234	37	.	.	PUNCT
gujaf-254	235	1	this	this	DET
gujaf-254	235	2	outcome	outcome	NOUN
gujaf-254	235	3	,	,	PUNCT
gujaf-254	235	4	in	in	ADP
gujaf-254	235	5	part	part	NOUN
gujaf-254	235	6	,	,	PUNCT
gujaf-254	235	7	provide	provide	VERB
gujaf-254	235	8	evidence	evidence	NOUN
gujaf-254	235	9	of	of	ADP
gujaf-254	235	10	savings	saving	NOUN
gujaf-254	235	11	development	development	NOUN
gujaf-254	235	12	study	study	NOUN
gujaf-254	235	13	-	-	PUNCT
gujaf-254	235	14	gap	gap	NOUN
gujaf-254	235	15	in	in	ADP
gujaf-254	235	16	nigeria	nigeria	PROPN
gujaf-254	235	17	.	.	PUNCT
gujaf-254	236	1	odejimi	odejimi	PROPN
gujaf-254	236	2	and	and	CCONJ
gujaf-254	236	3	edogiawerie	edogiawerie	NOUN
gujaf-254	236	4	(	(	PUNCT
gujaf-254	236	5	2019	2019	NUM
gujaf-254	236	6	)	)	PUNCT
gujaf-254	236	7	examined	examine	VERB
gujaf-254	236	8	the	the	DET
gujaf-254	236	9	reasons	reason	NOUN
gujaf-254	236	10	why	why	SCONJ
gujaf-254	236	11	rural	rural	ADJ
gujaf-254	236	12	microfinance	microfinance	NOUN
gujaf-254	236	13	institutions	institution	NOUN
gujaf-254	236	14	have	have	AUX
gujaf-254	236	15	been	be	AUX
gujaf-254	236	16	unable	unable	ADJ
gujaf-254	236	17	to	to	PART
gujaf-254	236	18	effectively	effectively	ADV
gujaf-254	236	19	mobilise	mobilise	VERB
gujaf-254	236	20	savings	saving	NOUN
gujaf-254	236	21	or	or	CCONJ
gujaf-254	236	22	bank	bank	NOUN
gujaf-254	236	23	services	service	NOUN
gujaf-254	236	24	in	in	ADP
gujaf-254	236	25	nigeria	nigeria	PROPN
gujaf-254	236	26	using	use	VERB
gujaf-254	236	27	the	the	DET
gujaf-254	236	28	chi	chi	ADJ
gujaf-254	236	29	-	-	PUNCT
gujaf-254	236	30	square	square	ADJ
gujaf-254	236	31	and	and	CCONJ
gujaf-254	236	32	pearson	pearson	PROPN
gujaf-254	236	33	's	's	PART
gujaf-254	236	34	correlation	correlation	NOUN
gujaf-254	236	35	matrix	matrix	NOUN
gujaf-254	236	36	.	.	PUNCT
gujaf-254	237	1	findings	finding	NOUN
gujaf-254	237	2	showed	show	VERB
gujaf-254	237	3	that	that	SCONJ
gujaf-254	237	4	the	the	DET
gujaf-254	237	5	okada	okada	PROPN
gujaf-254	237	6	community	community	NOUN
gujaf-254	237	7	's	's	PART
gujaf-254	237	8	funds	fund	NOUN
gujaf-254	237	9	have	have	AUX
gujaf-254	237	10	not	not	PART
gujaf-254	237	11	been	be	AUX
gujaf-254	237	12	effectively	effectively	ADV
gujaf-254	237	13	mobilised	mobilise	VERB
gujaf-254	237	14	by	by	ADP
gujaf-254	237	15	abc	abc	PROPN
gujaf-254	237	16	microfinance	microfinance	PROPN
gujaf-254	237	17	bank	bank	PROPN
gujaf-254	237	18	.	.	PUNCT
gujaf-254	238	1	192	192	NUM
gujaf-254	238	2	loaba	loaba	ADJ
gujaf-254	238	3	(	(	PUNCT
gujaf-254	238	4	2021	2021	NUM
gujaf-254	238	5	)	)	PUNCT
gujaf-254	238	6	investigated	investigate	VERB
gujaf-254	238	7	the	the	DET
gujaf-254	238	8	effect	effect	NOUN
gujaf-254	238	9	of	of	ADP
gujaf-254	238	10	mobile	mobile	ADJ
gujaf-254	238	11	banking	banking	NOUN
gujaf-254	238	12	services	service	NOUN
gujaf-254	238	13	on	on	ADP
gujaf-254	238	14	savings	saving	NOUN
gujaf-254	238	15	habits	habit	NOUN
gujaf-254	238	16	in	in	ADP
gujaf-254	238	17	west	west	PROPN
gujaf-254	238	18	africa	africa	PROPN
gujaf-254	238	19	in	in	ADP
gujaf-254	238	20	2017	2017	NUM
gujaf-254	238	21	.	.	PUNCT
gujaf-254	239	1	the	the	DET
gujaf-254	239	2	study	study	NOUN
gujaf-254	239	3	utilized	utilize	VERB
gujaf-254	239	4	the	the	DET
gujaf-254	239	5	multinomial	multinomial	ADJ
gujaf-254	239	6	logit	logit	PROPN
gujaf-254	239	7	model	model	NOUN
gujaf-254	239	8	and	and	CCONJ
gujaf-254	239	9	a	a	DET
gujaf-254	239	10	probit	probit	NOUN
gujaf-254	239	11	model	model	NOUN
gujaf-254	239	12	,	,	PUNCT
gujaf-254	239	13	and	and	CCONJ
gujaf-254	239	14	the	the	DET
gujaf-254	239	15	findings	finding	NOUN
gujaf-254	239	16	revealed	reveal	VERB
gujaf-254	239	17	that	that	SCONJ
gujaf-254	239	18	using	use	VERB
gujaf-254	239	19	mobile	mobile	ADJ
gujaf-254	239	20	banking	banking	NOUN
gujaf-254	239	21	services	service	NOUN
gujaf-254	239	22	enhances	enhance	VERB
gujaf-254	239	23	the	the	DET
gujaf-254	239	24	chance	chance	NOUN
gujaf-254	239	25	of	of	ADP
gujaf-254	239	26	formal	formal	ADJ
gujaf-254	239	27	and	and	CCONJ
gujaf-254	239	28	informal	informal	ADJ
gujaf-254	239	29	savings	saving	NOUN
gujaf-254	239	30	by	by	ADP
gujaf-254	239	31	2.4	2.4	NUM
gujaf-254	239	32	%	%	NOUN
gujaf-254	239	33	and	and	CCONJ
gujaf-254	239	34	0.83	0.83	NUM
gujaf-254	239	35	%	%	NOUN
gujaf-254	239	36	respectively	respectively	ADV
gujaf-254	239	37	.	.	PUNCT
gujaf-254	240	1	ouma	ouma	PROPN
gujaf-254	240	2	,	,	PUNCT
gujaf-254	240	3	odongo	odongo	NOUN
gujaf-254	240	4	and	and	CCONJ
gujaf-254	240	5	were	be	AUX
gujaf-254	240	6	(	(	PUNCT
gujaf-254	240	7	2017	2017	NUM
gujaf-254	240	8	)	)	PUNCT
gujaf-254	240	9	examined	examine	VERB
gujaf-254	240	10	the	the	DET
gujaf-254	240	11	association	association	NOUN
gujaf-254	240	12	between	between	ADP
gujaf-254	240	13	mobile	mobile	ADJ
gujaf-254	240	14	phone	phone	NOUN
gujaf-254	240	15	money	money	NOUN
gujaf-254	240	16	usage	usage	NOUN
gujaf-254	240	17	and	and	CCONJ
gujaf-254	240	18	savings	saving	NOUN
gujaf-254	240	19	mobilisation	mobilisation	NOUN
gujaf-254	240	20	in	in	ADP
gujaf-254	240	21	kenya	kenya	PROPN
gujaf-254	240	22	,	,	PUNCT
gujaf-254	240	23	uganda	uganda	PROPN
gujaf-254	240	24	,	,	PUNCT
gujaf-254	240	25	malawi	malawi	PROPN
gujaf-254	240	26	,	,	PUNCT
gujaf-254	240	27	and	and	CCONJ
gujaf-254	240	28	zambia	zambia	PROPN
gujaf-254	240	29	using	use	VERB
gujaf-254	240	30	descriptive	descriptive	ADJ
gujaf-254	240	31	analysis	analysis	NOUN
gujaf-254	240	32	and	and	CCONJ
gujaf-254	240	33	survey	survey	NOUN
gujaf-254	240	34	data	datum	NOUN
gujaf-254	240	35	on	on	ADP
gujaf-254	240	36	mobile	mobile	ADJ
gujaf-254	240	37	phone	phone	NOUN
gujaf-254	240	38	-	-	PUNCT
gujaf-254	240	39	based	base	VERB
gujaf-254	240	40	financial	financial	ADJ
gujaf-254	240	41	services	service	NOUN
gujaf-254	240	42	.	.	PUNCT
gujaf-254	241	1	the	the	DET
gujaf-254	241	2	study	study	NOUN
gujaf-254	241	3	employed	employ	VERB
gujaf-254	241	4	ordinary	ordinary	ADJ
gujaf-254	241	5	least	least	ADJ
gujaf-254	241	6	square	square	ADJ
gujaf-254	241	7	,	,	PUNCT
gujaf-254	241	8	and	and	CCONJ
gujaf-254	241	9	the	the	DET
gujaf-254	241	10	results	result	NOUN
gujaf-254	241	11	showed	show	VERB
gujaf-254	241	12	that	that	SCONJ
gujaf-254	241	13	mobile	mobile	ADJ
gujaf-254	241	14	phones	phone	NOUN
gujaf-254	241	15	are	be	AUX
gujaf-254	241	16	a	a	DET
gujaf-254	241	17	significant	significant	ADJ
gujaf-254	241	18	route	route	NOUN
gujaf-254	241	19	for	for	ADP
gujaf-254	241	20	increasing	increase	VERB
gujaf-254	241	21	savings	saving	NOUN
gujaf-254	241	22	globally	globally	ADV
gujaf-254	241	23	since	since	SCONJ
gujaf-254	241	24	they	they	PRON
gujaf-254	241	25	lower	lower	VERB
gujaf-254	241	26	transaction	transaction	NOUN
gujaf-254	241	27	costs	cost	NOUN
gujaf-254	241	28	,	,	PUNCT
gujaf-254	241	29	shorten	shorten	VERB
gujaf-254	241	30	travel	travel	NOUN
gujaf-254	241	31	distances	distance	NOUN
gujaf-254	241	32	,	,	PUNCT
gujaf-254	241	33	and	and	CCONJ
gujaf-254	241	34	improve	improve	VERB
gujaf-254	241	35	convenience	convenience	NOUN
gujaf-254	241	36	.	.	PUNCT
gujaf-254	242	1	banke	banke	PROPN
gujaf-254	242	2	and	and	CCONJ
gujaf-254	242	3	yitayaw	yitayaw	PROPN
gujaf-254	242	4	(	(	PUNCT
gujaf-254	242	5	2022	2022	NUM
gujaf-254	242	6	)	)	PUNCT
gujaf-254	242	7	investigated	investigate	VERB
gujaf-254	242	8	the	the	DET
gujaf-254	242	9	bank	bank	NOUN
gujaf-254	242	10	-	-	PUNCT
gujaf-254	242	11	specific	specific	ADJ
gujaf-254	242	12	and	and	CCONJ
gujaf-254	242	13	macroeconomic	macroeconomic	ADJ
gujaf-254	242	14	factors	factor	NOUN
gujaf-254	242	15	of	of	ADP
gujaf-254	242	16	deposit	deposit	NOUN
gujaf-254	242	17	mobilization	mobilization	NOUN
gujaf-254	242	18	in	in	ADP
gujaf-254	242	19	ethiopian	ethiopian	ADJ
gujaf-254	242	20	banking	banking	NOUN
gujaf-254	242	21	sectors	sector	NOUN
gujaf-254	242	22	from	from	ADP
gujaf-254	242	23	2011	2011	NUM
gujaf-254	242	24	to	to	ADP
gujaf-254	242	25	2020	2020	NUM
gujaf-254	242	26	using	use	VERB
gujaf-254	242	27	explanatory	explanatory	ADJ
gujaf-254	242	28	design	design	NOUN
gujaf-254	242	29	.	.	PUNCT
gujaf-254	243	1	the	the	DET
gujaf-254	243	2	study	study	NOUN
gujaf-254	243	3	utilized	utilize	VERB
gujaf-254	243	4	the	the	DET
gujaf-254	243	5	quantitative	quantitative	ADJ
gujaf-254	243	6	approach	approach	NOUN
gujaf-254	243	7	and	and	CCONJ
gujaf-254	243	8	the	the	DET
gujaf-254	243	9	findings	finding	NOUN
gujaf-254	243	10	revealed	reveal	VERB
gujaf-254	243	11	that	that	SCONJ
gujaf-254	243	12	loan	loan	NOUN
gujaf-254	243	13	to	to	PART
gujaf-254	243	14	deposit	deposit	NOUN
gujaf-254	243	15	ratio	ratio	NOUN
gujaf-254	243	16	,	,	PUNCT
gujaf-254	243	17	capital	capital	NOUN
gujaf-254	243	18	adequacy	adequacy	NOUN
gujaf-254	243	19	,	,	PUNCT
gujaf-254	243	20	economic	economic	ADJ
gujaf-254	243	21	growth	growth	NOUN
gujaf-254	243	22	,	,	PUNCT
gujaf-254	243	23	inflation	inflation	NOUN
gujaf-254	243	24	,	,	PUNCT
gujaf-254	243	25	population	population	NOUN
gujaf-254	243	26	growth	growth	NOUN
gujaf-254	243	27	,	,	PUNCT
gujaf-254	243	28	and	and	CCONJ
gujaf-254	243	29	political	political	ADJ
gujaf-254	243	30	stability	stability	NOUN
gujaf-254	243	31	all	all	PRON
gujaf-254	243	32	had	have	VERB
gujaf-254	243	33	a	a	DET
gujaf-254	243	34	negative	negative	ADJ
gujaf-254	243	35	but	but	CCONJ
gujaf-254	243	36	significant	significant	ADJ
gujaf-254	243	37	effect	effect	NOUN
gujaf-254	243	38	on	on	ADP
gujaf-254	243	39	commercial	commercial	ADJ
gujaf-254	243	40	bank	bank	NOUN
gujaf-254	243	41	deposit	deposit	NOUN
gujaf-254	243	42	mobilization	mobilization	NOUN
gujaf-254	243	43	.	.	PUNCT
gujaf-254	244	1	the	the	DET
gujaf-254	244	2	bank	bank	NOUN
gujaf-254	244	3	’s	’s	PART
gujaf-254	244	4	profitability	profitability	NOUN
gujaf-254	244	5	,	,	PUNCT
gujaf-254	244	6	on	on	ADP
gujaf-254	244	7	the	the	DET
gujaf-254	244	8	other	other	ADJ
gujaf-254	244	9	hand	hand	NOUN
gujaf-254	244	10	,	,	PUNCT
gujaf-254	244	11	has	have	VERB
gujaf-254	244	12	a	a	DET
gujaf-254	244	13	positive	positive	ADJ
gujaf-254	244	14	and	and	CCONJ
gujaf-254	244	15	significant	significant	ADJ
gujaf-254	244	16	impact	impact	NOUN
gujaf-254	244	17	on	on	ADP
gujaf-254	244	18	commercial	commercial	ADJ
gujaf-254	244	19	bank	bank	NOUN
gujaf-254	244	20	deposit	deposit	NOUN
gujaf-254	244	21	mobilization	mobilization	NOUN
gujaf-254	244	22	.	.	PUNCT
gujaf-254	245	1	almost	almost	ADV
gujaf-254	245	2	all	all	DET
gujaf-254	245	3	the	the	DET
gujaf-254	245	4	researches	research	NOUN
gujaf-254	245	5	that	that	PRON
gujaf-254	245	6	have	have	AUX
gujaf-254	245	7	been	be	AUX
gujaf-254	245	8	done	do	VERB
gujaf-254	245	9	so	so	ADV
gujaf-254	245	10	far	far	ADV
gujaf-254	245	11	suggest	suggest	VERB
gujaf-254	245	12	,	,	PUNCT
gujaf-254	245	13	among	among	ADP
gujaf-254	245	14	other	other	ADJ
gujaf-254	245	15	things	thing	NOUN
gujaf-254	245	16	,	,	PUNCT
gujaf-254	245	17	that	that	SCONJ
gujaf-254	245	18	digital	digital	ADJ
gujaf-254	245	19	financial	financial	ADJ
gujaf-254	245	20	services	service	NOUN
gujaf-254	245	21	(	(	PUNCT
gujaf-254	245	22	dfs	dfs	NOUN
gujaf-254	245	23	)	)	PUNCT
gujaf-254	245	24	promote	promote	VERB
gujaf-254	245	25	savings	saving	NOUN
gujaf-254	245	26	and	and	CCONJ
gujaf-254	245	27	therefore	therefore	ADV
gujaf-254	245	28	boost	boost	VERB
gujaf-254	245	29	economic	economic	ADJ
gujaf-254	245	30	growth	growth	NOUN
gujaf-254	245	31	,	,	PUNCT
gujaf-254	245	32	and	and	CCONJ
gujaf-254	245	33	as	as	ADP
gujaf-254	245	34	such	such	ADJ
gujaf-254	245	35	,	,	PUNCT
gujaf-254	245	36	the	the	DET
gujaf-254	245	37	dfs	dfs	NOUN
gujaf-254	245	38	could	could	AUX
gujaf-254	245	39	stand	stand	VERB
gujaf-254	245	40	-	-	PUNCT
gujaf-254	245	41	in	in	ADP
gujaf-254	245	42	as	as	ADP
gujaf-254	245	43	potent	potent	ADJ
gujaf-254	245	44	indicator	indicator	NOUN
gujaf-254	245	45	for	for	ADP
gujaf-254	245	46	deepening	deepen	VERB
gujaf-254	245	47	the	the	DET
gujaf-254	245	48	savings	saving	NOUN
gujaf-254	245	49	system	system	NOUN
gujaf-254	245	50	in	in	ADP
gujaf-254	245	51	development	development	NOUN
gujaf-254	245	52	.	.	PUNCT
gujaf-254	246	1	this	this	DET
gujaf-254	246	2	study	study	NOUN
gujaf-254	246	3	will	will	AUX
gujaf-254	246	4	be	be	AUX
gujaf-254	246	5	beneficial	beneficial	ADJ
gujaf-254	246	6	to	to	ADP
gujaf-254	246	7	financial	financial	ADJ
gujaf-254	246	8	institutions	institution	NOUN
gujaf-254	246	9	,	,	PUNCT
gujaf-254	246	10	academics	academic	NOUN
gujaf-254	246	11	,	,	PUNCT
gujaf-254	246	12	policy	policy	NOUN
gujaf-254	246	13	advocates	advocate	NOUN
gujaf-254	246	14	,	,	PUNCT
gujaf-254	246	15	and	and	CCONJ
gujaf-254	246	16	individuals	individual	NOUN
gujaf-254	246	17	who	who	PRON
gujaf-254	246	18	are	be	AUX
gujaf-254	246	19	interested	interested	ADJ
gujaf-254	246	20	in	in	ADP
gujaf-254	246	21	achieving	achieve	VERB
gujaf-254	246	22	the	the	DET
gujaf-254	246	23	sustainable	sustainable	ADJ
gujaf-254	246	24	development	development	NOUN
gujaf-254	246	25	goals	goal	NOUN
gujaf-254	246	26	(	(	PUNCT
gujaf-254	246	27	sdgs	sdgs	ADJ
gujaf-254	246	28	)	)	PUNCT
gujaf-254	246	29	.	.	PUNCT
gujaf-254	247	1	therefore	therefore	ADV
gujaf-254	247	2	,	,	PUNCT
gujaf-254	247	3	the	the	DET
gujaf-254	247	4	focus	focus	NOUN
gujaf-254	247	5	of	of	ADP
gujaf-254	247	6	this	this	DET
gujaf-254	247	7	study	study	NOUN
gujaf-254	247	8	is	be	AUX
gujaf-254	247	9	on	on	ADP
gujaf-254	247	10	how	how	SCONJ
gujaf-254	247	11	digital	digital	ADJ
gujaf-254	247	12	financial	financial	ADJ
gujaf-254	247	13	services	service	NOUN
gujaf-254	247	14	affect	affect	VERB
gujaf-254	247	15	savings	saving	NOUN
gujaf-254	247	16	development	development	NOUN
gujaf-254	247	17	in	in	ADP
gujaf-254	247	18	nigeria	nigeria	PROPN
gujaf-254	247	19	.	.	PUNCT
gujaf-254	248	1	technology	technology	NOUN
gujaf-254	248	2	acceptance	acceptance	NOUN
gujaf-254	248	3	theory	theory	NOUN
gujaf-254	248	4	(	(	PUNCT
gujaf-254	248	5	davies	davy	NOUN
gujaf-254	248	6	,	,	PUNCT
gujaf-254	248	7	1985	1985	NUM
gujaf-254	248	8	)	)	PUNCT
gujaf-254	248	9	explained	explain	VERB
gujaf-254	248	10	the	the	DET
gujaf-254	248	11	acceptance	acceptance	NOUN
gujaf-254	248	12	and	and	CCONJ
gujaf-254	248	13	usage	usage	NOUN
gujaf-254	248	14	of	of	ADP
gujaf-254	248	15	a	a	DET
gujaf-254	248	16	new	new	ADJ
gujaf-254	248	17	technology	technology	NOUN
gujaf-254	248	18	.	.	PUNCT
gujaf-254	249	1	according	accord	VERB
gujaf-254	249	2	to	to	ADP
gujaf-254	249	3	akinrinola	akinrinola	PROPN
gujaf-254	249	4	,	,	PUNCT
gujaf-254	249	5	omojola	omojola	PROPN
gujaf-254	249	6	,	,	PUNCT
gujaf-254	249	7	and	and	CCONJ
gujaf-254	249	8	audu	audu	NOUN
gujaf-254	249	9	(	(	PUNCT
gujaf-254	249	10	2023	2023	NUM
gujaf-254	249	11	)	)	PUNCT
gujaf-254	249	12	,	,	PUNCT
gujaf-254	249	13	it	it	PRON
gujaf-254	249	14	is	be	AUX
gujaf-254	249	15	safe	safe	ADJ
gujaf-254	249	16	to	to	PART
gujaf-254	249	17	say	say	VERB
gujaf-254	249	18	that	that	SCONJ
gujaf-254	249	19	the	the	DET
gujaf-254	249	20	usefulness	usefulness	NOUN
gujaf-254	249	21	of	of	ADP
gujaf-254	249	22	a	a	DET
gujaf-254	249	23	financial	financial	ADJ
gujaf-254	249	24	technology	technology	NOUN
gujaf-254	249	25	is	be	AUX
gujaf-254	249	26	determined	determine	VERB
gujaf-254	249	27	by	by	ADP
gujaf-254	249	28	the	the	DET
gujaf-254	249	29	effectiveness	effectiveness	NOUN
gujaf-254	249	30	of	of	ADP
gujaf-254	249	31	the	the	DET
gujaf-254	249	32	transfer	transfer	NOUN
gujaf-254	249	33	channels	channel	NOUN
gujaf-254	249	34	and	and	CCONJ
gujaf-254	249	35	instruments	instrument	NOUN
gujaf-254	249	36	in	in	ADP
gujaf-254	249	37	the	the	DET
gujaf-254	249	38	user	user	NOUN
gujaf-254	249	39	’s	’s	PART
gujaf-254	249	40	financial	financial	ADJ
gujaf-254	249	41	interactions	interaction	NOUN
gujaf-254	249	42	with	with	ADP
gujaf-254	249	43	others	other	NOUN
gujaf-254	249	44	.	.	PUNCT
gujaf-254	250	1	when	when	SCONJ
gujaf-254	250	2	compared	compare	VERB
gujaf-254	250	3	with	with	ADP
gujaf-254	250	4	the	the	DET
gujaf-254	250	5	existing	exist	VERB
gujaf-254	250	6	transfer	transfer	NOUN
gujaf-254	250	7	methods	method	NOUN
gujaf-254	250	8	,	,	PUNCT
gujaf-254	250	9	if	if	SCONJ
gujaf-254	250	10	the	the	DET
gujaf-254	250	11	proposed	propose	VERB
gujaf-254	250	12	technology	technology	NOUN
gujaf-254	250	13	is	be	AUX
gujaf-254	250	14	not	not	PART
gujaf-254	250	15	considered	consider	VERB
gujaf-254	250	16	effective	effective	ADJ
gujaf-254	250	17	or	or	CCONJ
gujaf-254	250	18	more	more	ADV
gujaf-254	250	19	effective	effective	ADJ
gujaf-254	250	20	,	,	PUNCT
gujaf-254	250	21	the	the	DET
gujaf-254	250	22	users	user	NOUN
gujaf-254	250	23	would	would	AUX
gujaf-254	250	24	rather	rather	ADV
gujaf-254	250	25	not	not	PART
gujaf-254	250	26	accept	accept	VERB
gujaf-254	250	27	it	it	PRON
gujaf-254	250	28	.	.	PUNCT
gujaf-254	251	1	this	this	DET
gujaf-254	251	2	theory	theory	NOUN
gujaf-254	251	3	basically	basically	ADV
gujaf-254	251	4	explains	explain	VERB
gujaf-254	251	5	the	the	DET
gujaf-254	251	6	conditions	condition	NOUN
gujaf-254	251	7	that	that	PRON
gujaf-254	251	8	will	will	AUX
gujaf-254	251	9	make	make	VERB
gujaf-254	251	10	a	a	DET
gujaf-254	251	11	user	user	NOUN
gujaf-254	251	12	accept	accept	VERB
gujaf-254	251	13	a	a	DET
gujaf-254	251	14	new	new	ADJ
gujaf-254	251	15	technology	technology	NOUN
gujaf-254	251	16	to	to	PART
gujaf-254	251	17	ease	ease	VERB
gujaf-254	251	18	job	job	NOUN
gujaf-254	251	19	performance	performance	NOUN
gujaf-254	251	20	(	(	PUNCT
gujaf-254	251	21	aielemen	aielemen	PROPN
gujaf-254	251	22	,	,	PUNCT
gujaf-254	251	23	enobong	enobong	PROPN
gujaf-254	251	24	,	,	PUNCT
gujaf-254	251	25	osuma	osuma	PROPN
gujaf-254	251	26	,	,	PUNCT
gujaf-254	251	27	evbuomwan	evbuomwan	PROPN
gujaf-254	251	28	,	,	PUNCT
gujaf-254	251	29	&	&	CCONJ
gujaf-254	251	30	ndigwe	ndigwe	NOUN
gujaf-254	251	31	,	,	PUNCT
gujaf-254	251	32	2018	2018	NUM
gujaf-254	251	33	)	)	PUNCT
gujaf-254	251	34	.	.	PUNCT
gujaf-254	252	1	the	the	DET
gujaf-254	252	2	variables	variable	NOUN
gujaf-254	252	3	such	such	ADJ
gujaf-254	252	4	as	as	ADP
gujaf-254	252	5	the	the	DET
gujaf-254	252	6	mobile	mobile	ADJ
gujaf-254	252	7	transfers	transfer	NOUN
gujaf-254	252	8	,	,	PUNCT
gujaf-254	252	9	point	point	NOUN
gujaf-254	252	10	of	of	ADP
gujaf-254	252	11	sales	sale	NOUN
gujaf-254	252	12	services	service	NOUN
gujaf-254	252	13	,	,	PUNCT
gujaf-254	252	14	web	web	NOUN
gujaf-254	252	15	transfers	transfer	NOUN
gujaf-254	252	16	had	have	VERB
gujaf-254	252	17	a	a	DET
gujaf-254	252	18	positive	positive	ADJ
gujaf-254	252	19	impact	impact	NOUN
gujaf-254	252	20	on	on	ADP
gujaf-254	252	21	savings	saving	NOUN
gujaf-254	252	22	unlike	unlike	ADP
gujaf-254	252	23	the	the	DET
gujaf-254	252	24	193	193	NUM
gujaf-254	252	25	automated	automate	VERB
gujaf-254	252	26	teller	teller	NOUN
gujaf-254	252	27	machine	machine	NOUN
gujaf-254	252	28	(	(	PUNCT
gujaf-254	252	29	which	which	PRON
gujaf-254	252	30	is	be	AUX
gujaf-254	252	31	an	an	DET
gujaf-254	252	32	older	old	ADJ
gujaf-254	252	33	innovation	innovation	NOUN
gujaf-254	252	34	)	)	PUNCT
gujaf-254	252	35	.	.	PUNCT
gujaf-254	253	1	this	this	PRON
gujaf-254	253	2	means	mean	VERB
gujaf-254	253	3	that	that	SCONJ
gujaf-254	253	4	users	user	NOUN
gujaf-254	253	5	prefer	prefer	VERB
gujaf-254	253	6	the	the	DET
gujaf-254	253	7	newer	new	ADJ
gujaf-254	253	8	innovations	innovation	NOUN
gujaf-254	253	9	as	as	ADP
gujaf-254	253	10	a	a	DET
gujaf-254	253	11	means	means	NOUN
gujaf-254	253	12	of	of	ADP
gujaf-254	253	13	savings	saving	NOUN
gujaf-254	253	14	which	which	PRON
gujaf-254	253	15	is	be	AUX
gujaf-254	253	16	in	in	ADP
gujaf-254	253	17	line	line	NOUN
gujaf-254	253	18	with	with	ADP
gujaf-254	253	19	the	the	DET
gujaf-254	253	20	technology	technology	NOUN
gujaf-254	253	21	acceptance	acceptance	NOUN
gujaf-254	253	22	model	model	NOUN
gujaf-254	253	23	.	.	PUNCT
gujaf-254	254	1	the	the	DET
gujaf-254	254	2	technology	technology	NOUN
gujaf-254	254	3	acceptance	acceptance	NOUN
gujaf-254	254	4	model	model	NOUN
gujaf-254	254	5	(	(	PUNCT
gujaf-254	254	6	tam	tam	NOUN
gujaf-254	254	7	)	)	PUNCT
gujaf-254	254	8	propounded	propound	VERB
gujaf-254	254	9	by	by	ADP
gujaf-254	254	10	fred	fred	PROPN
gujaf-254	254	11	davis	davis	PROPN
gujaf-254	254	12	in	in	ADP
gujaf-254	254	13	1985	1985	NUM
gujaf-254	254	14	involves	involve	VERB
gujaf-254	254	15	a	a	DET
gujaf-254	254	16	set	set	NOUN
gujaf-254	254	17	of	of	ADP
gujaf-254	254	18	equations	equation	NOUN
gujaf-254	254	19	to	to	PART
gujaf-254	254	20	describe	describe	VERB
gujaf-254	254	21	the	the	DET
gujaf-254	254	22	relationship	relationship	NOUN
gujaf-254	254	23	between	between	ADP
gujaf-254	254	24	perceived	perceive	VERB
gujaf-254	254	25	ease	ease	NOUN
gujaf-254	254	26	of	of	ADP
gujaf-254	254	27	use	use	NOUN
gujaf-254	254	28	,	,	PUNCT
gujaf-254	254	29	perceived	perceive	VERB
gujaf-254	254	30	usefulness	usefulness	NOUN
gujaf-254	254	31	,	,	PUNCT
gujaf-254	254	32	and	and	CCONJ
gujaf-254	254	33	actual	actual	ADJ
gujaf-254	254	34	usage	usage	NOUN
gujaf-254	254	35	of	of	ADP
gujaf-254	254	36	technology	technology	NOUN
gujaf-254	254	37	.	.	PUNCT
gujaf-254	255	1	tam	tam	PROPN
gujaf-254	255	2	is	be	AUX
gujaf-254	255	3	a	a	DET
gujaf-254	255	4	widely	widely	ADV
gujaf-254	255	5	used	use	VERB
gujaf-254	255	6	model	model	NOUN
gujaf-254	255	7	for	for	ADP
gujaf-254	255	8	understanding	understanding	NOUN
gujaf-254	255	9	and	and	CCONJ
gujaf-254	255	10	predicting	predict	VERB
gujaf-254	255	11	user	user	NOUN
gujaf-254	255	12	acceptance	acceptance	NOUN
gujaf-254	255	13	of	of	ADP
gujaf-254	255	14	information	information	NOUN
gujaf-254	255	15	systems	system	NOUN
gujaf-254	255	16	and	and	CCONJ
gujaf-254	255	17	technology	technology	NOUN
gujaf-254	255	18	.	.	PUNCT
gujaf-254	256	1	the	the	DET
gujaf-254	256	2	original	original	ADJ
gujaf-254	256	3	tam	tam	NOUN
gujaf-254	256	4	consists	consist	VERB
gujaf-254	256	5	of	of	ADP
gujaf-254	256	6	the	the	DET
gujaf-254	256	7	following	follow	VERB
gujaf-254	256	8	equation	equation	NOUN
gujaf-254	256	9	:	:	PUNCT
gujaf-254	256	10	intention	intention	NOUN
gujaf-254	256	11	to	to	PART
gujaf-254	256	12	use	use	VERB
gujaf-254	256	13	=	=	PUNCT
gujaf-254	256	14	f	f	X
gujaf-254	256	15	(	(	PUNCT
gujaf-254	256	16	perceived	perceive	VERB
gujaf-254	256	17	ease	ease	NOUN
gujaf-254	256	18	of	of	ADP
gujaf-254	256	19	use	use	NOUN
gujaf-254	256	20	,	,	PUNCT
gujaf-254	256	21	perceived	perceive	VERB
gujaf-254	256	22	usefulness	usefulness	NOUN
gujaf-254	256	23	)	)	PUNCT
gujaf-254	256	24	…	…	PUNCT
gujaf-254	256	25	…	…	SYM
gujaf-254	256	26	……	……	NOUN
gujaf-254	256	27	.	.	PUNCT
gujaf-254	257	1	i	i	PRON
gujaf-254	257	2	the	the	DET
gujaf-254	257	3	model	model	NOUN
gujaf-254	257	4	suggests	suggest	VERB
gujaf-254	257	5	that	that	SCONJ
gujaf-254	257	6	an	an	DET
gujaf-254	257	7	individual	individual	NOUN
gujaf-254	257	8	's	's	PART
gujaf-254	257	9	intention	intention	NOUN
gujaf-254	257	10	to	to	PART
gujaf-254	257	11	use	use	VERB
gujaf-254	257	12	technology	technology	NOUN
gujaf-254	257	13	is	be	AUX
gujaf-254	257	14	influenced	influence	VERB
gujaf-254	257	15	by	by	ADP
gujaf-254	257	16	their	their	PRON
gujaf-254	257	17	perceptions	perception	NOUN
gujaf-254	257	18	of	of	ADP
gujaf-254	257	19	how	how	SCONJ
gujaf-254	257	20	easy	easy	ADJ
gujaf-254	257	21	it	it	PRON
gujaf-254	257	22	is	be	AUX
gujaf-254	257	23	to	to	PART
gujaf-254	257	24	use	use	VERB
gujaf-254	257	25	(	(	PUNCT
gujaf-254	257	26	perceived	perceive	VERB
gujaf-254	257	27	ease	ease	NOUN
gujaf-254	257	28	of	of	ADP
gujaf-254	257	29	use	use	NOUN
gujaf-254	257	30	)	)	PUNCT
gujaf-254	257	31	and	and	CCONJ
gujaf-254	257	32	how	how	SCONJ
gujaf-254	257	33	useful	useful	ADJ
gujaf-254	257	34	it	it	PRON
gujaf-254	257	35	is	be	AUX
gujaf-254	257	36	(	(	PUNCT
gujaf-254	257	37	perceived	perceive	VERB
gujaf-254	257	38	usefulness	usefulness	NOUN
gujaf-254	257	39	)	)	PUNCT
gujaf-254	257	40	.	.	PUNCT
gujaf-254	258	1	the	the	DET
gujaf-254	258	2	intention	intention	NOUN
gujaf-254	258	3	to	to	PART
gujaf-254	258	4	use	use	VERB
gujaf-254	258	5	then	then	ADV
gujaf-254	258	6	affects	affect	VERB
gujaf-254	258	7	the	the	DET
gujaf-254	258	8	actual	actual	ADJ
gujaf-254	258	9	usage	usage	NOUN
gujaf-254	258	10	behavior	behavior	NOUN
gujaf-254	258	11	.	.	PUNCT
gujaf-254	259	1	an	an	DET
gujaf-254	259	2	econometric	econometric	ADJ
gujaf-254	259	3	model	model	NOUN
gujaf-254	259	4	for	for	ADP
gujaf-254	259	5	understanding	understand	VERB
gujaf-254	259	6	technology	technology	NOUN
gujaf-254	259	7	acceptance	acceptance	NOUN
gujaf-254	259	8	based	base	VERB
gujaf-254	259	9	on	on	ADP
gujaf-254	259	10	the	the	DET
gujaf-254	259	11	technology	technology	NOUN
gujaf-254	259	12	acceptance	acceptance	NOUN
gujaf-254	259	13	model	model	NOUN
gujaf-254	259	14	(	(	PUNCT
gujaf-254	259	15	tam	tam	NOUN
gujaf-254	259	16	)	)	PUNCT
gujaf-254	259	17	involves	involve	VERB
gujaf-254	259	18	regression	regression	NOUN
gujaf-254	259	19	equations	equation	NOUN
gujaf-254	259	20	to	to	PART
gujaf-254	259	21	quantify	quantify	VERB
gujaf-254	259	22	the	the	DET
gujaf-254	259	23	relationships	relationship	NOUN
gujaf-254	259	24	between	between	ADP
gujaf-254	259	25	various	various	ADJ
gujaf-254	259	26	factors	factor	NOUN
gujaf-254	259	27	.	.	PUNCT
gujaf-254	260	1	actual	actual	ADJ
gujaf-254	260	2	usage	usage	NOUN
gujaf-254	260	3	=	=	SYM
gujaf-254	260	4	β₀	β₀	PROPN
gujaf-254	260	5	+	+	X
gujaf-254	260	6	β₁	β₁	PROPN
gujaf-254	260	7	*	*	PUNCT
gujaf-254	260	8	perceived	perceive	VERB
gujaf-254	260	9	ease	ease	NOUN
gujaf-254	260	10	of	of	ADP
gujaf-254	260	11	use	use	NOUN
gujaf-254	260	12	+	+	NUM
gujaf-254	260	13	β₂	β₂	NOUN
gujaf-254	260	14	*	*	PUNCT
gujaf-254	260	15	perceived	perceive	VERB
gujaf-254	260	16	usefulness	usefulness	NOUN
gujaf-254	260	17	+	+	CCONJ
gujaf-254	260	18	ε	ε	PROPN
gujaf-254	260	19	…	…	PUNCT
gujaf-254	260	20	…	…	PUNCT
gujaf-254	260	21	ii	ii	NOUN
gujaf-254	261	1	where	where	SCONJ
gujaf-254	261	2	:	:	PUNCT
gujaf-254	261	3	actual	actual	ADJ
gujaf-254	261	4	usage	usage	NOUN
gujaf-254	261	5	:	:	PUNCT
gujaf-254	261	6	the	the	DET
gujaf-254	261	7	dependent	dependent	ADJ
gujaf-254	261	8	variable	variable	NOUN
gujaf-254	261	9	representing	represent	VERB
gujaf-254	261	10	behavioral	behavioral	ADJ
gujaf-254	261	11	intention	intention	NOUN
gujaf-254	261	12	to	to	PART
gujaf-254	261	13	use	use	VERB
gujaf-254	261	14	technology	technology	NOUN
gujaf-254	261	15	.	.	PUNCT
gujaf-254	262	1	the	the	DET
gujaf-254	262	2	perceived	perceive	VERB
gujaf-254	262	3	ease	ease	NOUN
gujaf-254	262	4	of	of	ADP
gujaf-254	262	5	use	use	NOUN
gujaf-254	262	6	(	(	PUNCT
gujaf-254	262	7	eou	eou	PROPN
gujaf-254	262	8	):	):	PUNCT
gujaf-254	262	9	one	one	NUM
gujaf-254	262	10	of	of	ADP
gujaf-254	262	11	the	the	DET
gujaf-254	262	12	independent	independent	ADJ
gujaf-254	262	13	variables	variable	NOUN
gujaf-254	262	14	representing	represent	VERB
gujaf-254	262	15	the	the	DET
gujaf-254	262	16	perception	perception	NOUN
gujaf-254	262	17	of	of	ADP
gujaf-254	262	18	how	how	SCONJ
gujaf-254	262	19	easy	easy	ADJ
gujaf-254	262	20	the	the	DET
gujaf-254	262	21	technology	technology	NOUN
gujaf-254	262	22	is	be	AUX
gujaf-254	262	23	to	to	PART
gujaf-254	262	24	use	use	VERB
gujaf-254	262	25	.	.	PUNCT
gujaf-254	263	1	perceived	perceive	VERB
gujaf-254	263	2	usefulness	usefulness	NOUN
gujaf-254	263	3	(	(	PUNCT
gujaf-254	263	4	pu	pu	PROPN
gujaf-254	263	5	):	):	PUNCT
gujaf-254	263	6	another	another	DET
gujaf-254	263	7	independent	independent	ADJ
gujaf-254	263	8	variable	variable	NOUN
gujaf-254	263	9	representing	represent	VERB
gujaf-254	263	10	the	the	DET
gujaf-254	263	11	perception	perception	NOUN
gujaf-254	263	12	of	of	ADP
gujaf-254	263	13	how	how	SCONJ
gujaf-254	263	14	useful	useful	ADJ
gujaf-254	263	15	the	the	DET
gujaf-254	263	16	technology	technology	NOUN
gujaf-254	263	17	is	be	AUX
gujaf-254	263	18	β₀	β₀	NOUN
gujaf-254	263	19	,	,	PUNCT
gujaf-254	263	20	β₁	β₁	ADJ
gujaf-254	263	21	,	,	PUNCT
gujaf-254	263	22	β₂	β₂	NOUN
gujaf-254	263	23	:	:	PUNCT
gujaf-254	263	24	coefficients	coefficient	NOUN
gujaf-254	263	25	to	to	PART
gujaf-254	263	26	be	be	AUX
gujaf-254	263	27	estimated	estimate	VERB
gujaf-254	263	28	through	through	ADP
gujaf-254	263	29	regression	regression	NOUN
gujaf-254	263	30	analysis	analysis	NOUN
gujaf-254	263	31	,	,	PUNCT
gujaf-254	263	32	indicating	indicate	VERB
gujaf-254	263	33	the	the	DET
gujaf-254	263	34	impact	impact	NOUN
gujaf-254	263	35	of	of	ADP
gujaf-254	263	36	each	each	DET
gujaf-254	263	37	independent	independent	ADJ
gujaf-254	263	38	variable	variable	NOUN
gujaf-254	263	39	on	on	ADP
gujaf-254	263	40	the	the	DET
gujaf-254	263	41	dependent	dependent	ADJ
gujaf-254	263	42	variable	variable	NOUN
gujaf-254	263	43	.	.	PUNCT
gujaf-254	264	1	ε	ε	PROPN
gujaf-254	264	2	:	:	PUNCT
gujaf-254	264	3	the	the	DET
gujaf-254	264	4	error	error	NOUN
gujaf-254	264	5	term	term	NOUN
gujaf-254	264	6	representing	represent	VERB
gujaf-254	264	7	unobservable	unobservable	ADJ
gujaf-254	264	8	factors	factor	NOUN
gujaf-254	264	9	affecting	affect	VERB
gujaf-254	264	10	the	the	DET
gujaf-254	264	11	dependent	dependent	ADJ
gujaf-254	264	12	variable	variable	NOUN
gujaf-254	264	13	.	.	PUNCT
gujaf-254	265	1	3	3	X
gujaf-254	265	2	.	.	X
gujaf-254	265	3	methodology	methodology	NOUN
gujaf-254	265	4	and	and	CCONJ
gujaf-254	265	5	data	data	VERB
gujaf-254	265	6	the	the	DET
gujaf-254	265	7	autoregressive	autoregressive	ADJ
gujaf-254	265	8	distributed	distribute	VERB
gujaf-254	265	9	lag	lag	NOUN
gujaf-254	265	10	(	(	PUNCT
gujaf-254	265	11	ardl	ardl	NOUN
gujaf-254	265	12	)	)	PUNCT
gujaf-254	265	13	was	be	AUX
gujaf-254	265	14	employed	employ	VERB
gujaf-254	265	15	for	for	ADP
gujaf-254	265	16	the	the	DET
gujaf-254	265	17	analysis	analysis	NOUN
gujaf-254	265	18	.	.	PUNCT
gujaf-254	266	1	descriptive	descriptive	ADJ
gujaf-254	266	2	,	,	PUNCT
gujaf-254	266	3	correlation	correlation	NOUN
gujaf-254	266	4	,	,	PUNCT
gujaf-254	266	5	unit	unit	NOUN
gujaf-254	266	6	root	root	NOUN
gujaf-254	266	7	and	and	CCONJ
gujaf-254	266	8	cointegration	cointegration	NOUN
gujaf-254	266	9	tests	test	NOUN
gujaf-254	266	10	were	be	AUX
gujaf-254	266	11	engaged	engage	VERB
gujaf-254	266	12	in	in	ADP
gujaf-254	266	13	the	the	DET
gujaf-254	266	14	preestimation	preestimation	NOUN
gujaf-254	266	15	phase	phase	NOUN
gujaf-254	266	16	of	of	ADP
gujaf-254	266	17	the	the	DET
gujaf-254	266	18	analysis	analysis	NOUN
gujaf-254	266	19	.	.	PUNCT
gujaf-254	267	1	monthly	monthly	ADJ
gujaf-254	267	2	data	datum	NOUN
gujaf-254	267	3	were	be	AUX
gujaf-254	267	4	sourced	source	VERB
gujaf-254	267	5	from	from	ADP
gujaf-254	267	6	the	the	DET
gujaf-254	267	7	central	central	ADJ
gujaf-254	267	8	bank	bank	PROPN
gujaf-254	267	9	of	of	ADP
gujaf-254	267	10	nigeria	nigeria	PROPN
gujaf-254	267	11	statistical	statistical	ADJ
gujaf-254	267	12	bulletin	bulletin	NOUN
gujaf-254	267	13	(	(	PUNCT
gujaf-254	267	14	cbn	cbn	PROPN
gujaf-254	267	15	,	,	PUNCT
gujaf-254	267	16	2021	2021	NUM
gujaf-254	267	17	)	)	PUNCT
gujaf-254	267	18	from	from	ADP
gujaf-254	267	19	2009	2009	NUM
gujaf-254	267	20	to	to	ADP
gujaf-254	267	21	2021	2021	NUM
gujaf-254	267	22	.	.	PUNCT
gujaf-254	268	1	this	this	DET
gujaf-254	268	2	period	period	NOUN
gujaf-254	268	3	was	be	AUX
gujaf-254	268	4	194	194	NUM
gujaf-254	268	5	chosen	choose	VERB
gujaf-254	268	6	due	due	ADP
gujaf-254	268	7	to	to	ADP
gujaf-254	268	8	the	the	DET
gujaf-254	268	9	availability	availability	NOUN
gujaf-254	268	10	of	of	ADP
gujaf-254	268	11	data	datum	NOUN
gujaf-254	268	12	and	and	CCONJ
gujaf-254	268	13	provides	provide	VERB
gujaf-254	268	14	enough	enough	ADJ
gujaf-254	268	15	observation	observation	NOUN
gujaf-254	268	16	for	for	ADP
gujaf-254	268	17	dynamic	dynamic	ADJ
gujaf-254	268	18	analytics	analytic	NOUN
gujaf-254	268	19	.	.	PUNCT
gujaf-254	269	1	taking	take	VERB
gujaf-254	269	2	inference	inference	NOUN
gujaf-254	269	3	from	from	ADP
gujaf-254	269	4	the	the	DET
gujaf-254	269	5	theoretical	theoretical	ADJ
gujaf-254	269	6	framework	framework	NOUN
gujaf-254	269	7	,	,	PUNCT
gujaf-254	269	8	the	the	DET
gujaf-254	269	9	study	study	NOUN
gujaf-254	269	10	proposed	propose	VERB
gujaf-254	269	11	an	an	DET
gujaf-254	269	12	ardl	ardl	NOUN
gujaf-254	269	13	model	model	NOUN
gujaf-254	269	14	.	.	PUNCT
gujaf-254	270	1	substituting	substitute	VERB
gujaf-254	270	2	the	the	DET
gujaf-254	270	3	current	current	ADJ
gujaf-254	270	4	variables	variable	NOUN
gujaf-254	270	5	into	into	ADP
gujaf-254	270	6	equation	equation	NOUN
gujaf-254	270	7	3	3	NUM
gujaf-254	270	8	in	in	ADP
gujaf-254	270	9	the	the	DET
gujaf-254	270	10	theoretical	theoretical	ADJ
gujaf-254	270	11	framework	framework	NOUN
gujaf-254	270	12	becomes	become	VERB
gujaf-254	270	13	thus	thus	ADV
gujaf-254	270	14	:	:	PUNCT
gujaf-254	270	15	tst	tst	NOUN
gujaf-254	270	16	=	=	SYM
gujaf-254	270	17	β0	β0	PROPN
gujaf-254	270	18	+	+	CCONJ
gujaf-254	270	19	β1atmt	β1atmt	PROPN
gujaf-254	270	20	+	+	CCONJ
gujaf-254	270	21	β2mtt	β2mtt	NUM
gujaf-254	271	1	+	+	CCONJ
gujaf-254	271	2	β1post	β1post	ADJ
gujaf-254	271	3	+	+	NUM
gujaf-254	271	4	β2wtt	β2wtt	PUNCT
gujaf-254	272	1	+	+	CCONJ
gujaf-254	272	2	β3inft	β3inft	VERB
gujaf-254	272	3	+	+	X
gujaf-254	272	4	µt	µt	PRON
gujaf-254	272	5	…	…	PUNCT
gujaf-254	272	6	…	…	PUNCT
gujaf-254	272	7	…	…	PUNCT
gujaf-254	272	8	…	…	PUNCT
gujaf-254	272	9	……	……	NOUN
gujaf-254	272	10	……	……	NOUN
gujaf-254	272	11	..	..	PUNCT
gujaf-254	272	12	iii	iii	NUM
gujaf-254	272	13	the	the	DET
gujaf-254	272	14	dynamic	dynamic	ADJ
gujaf-254	272	15	long	long	ADJ
gujaf-254	272	16	-	-	PUNCT
gujaf-254	272	17	run	run	VERB
gujaf-254	272	18	form	form	NOUN
gujaf-254	272	19	of	of	ADP
gujaf-254	272	20	equation	equation	NOUN
gujaf-254	272	21	(	(	PUNCT
gujaf-254	272	22	3	3	NUM
gujaf-254	272	23	)	)	PUNCT
gujaf-254	272	24	after	after	ADP
gujaf-254	272	25	expressing	express	VERB
gujaf-254	272	26	same	same	ADJ
gujaf-254	272	27	in	in	ADP
gujaf-254	272	28	log	log	NOUN
gujaf-254	272	29	-	-	PUNCT
gujaf-254	272	30	linear	linear	NOUN
gujaf-254	272	31	form	form	NOUN
gujaf-254	272	32	is	be	AUX
gujaf-254	272	33	specified	specify	VERB
gujaf-254	272	34	thus	thus	ADV
gujaf-254	272	35	:	:	PUNCT
gujaf-254	272	36	δintst	δintst	ADV
gujaf-254	273	1	=	=	SYM
gujaf-254	273	2	β0	β0	PROPN
gujaf-254	273	3	+	+	PROPN
gujaf-254	273	4	β1δinatmt	β1δinatmt	NOUN
gujaf-254	274	1	+	+	CCONJ
gujaf-254	274	2	β2δinmtt	β2δinmtt	VERB
gujaf-254	274	3	+	+	CCONJ
gujaf-254	274	4	β3δinpost	β3δinpost	NOUN
gujaf-254	275	1	+	+	CCONJ
gujaf-254	275	2	β4δinwtt	β4δinwtt	VERB
gujaf-254	276	1	+	+	ADJ
gujaf-254	276	2	β5δininft	β5δininft	PROPN
gujaf-254	276	3	+	+	PROPN
gujaf-254	276	4	γecmt−1+νit	γecmt−1+νit	PROPN
gujaf-254	276	5	..	..	PUNCT
gujaf-254	276	6	iv	iv	X
gujaf-254	276	7	the	the	DET
gujaf-254	276	8	dependent	dependent	ADJ
gujaf-254	276	9	variable	variable	NOUN
gujaf-254	276	10	in	in	ADP
gujaf-254	276	11	the	the	DET
gujaf-254	276	12	analysis	analysis	NOUN
gujaf-254	276	13	is	be	AUX
gujaf-254	276	14	ts	ts	NOUN
gujaf-254	276	15	,	,	PUNCT
gujaf-254	276	16	which	which	PRON
gujaf-254	276	17	represents	represent	VERB
gujaf-254	276	18	total	total	ADJ
gujaf-254	276	19	savings	saving	NOUN
gujaf-254	276	20	in	in	ADP
gujaf-254	276	21	nigeria	nigeria	PROPN
gujaf-254	276	22	’s	’s	PART
gujaf-254	276	23	financial	financial	ADJ
gujaf-254	276	24	sector	sector	NOUN
gujaf-254	276	25	.	.	PUNCT
gujaf-254	277	1	the	the	DET
gujaf-254	277	2	independent	independent	ADJ
gujaf-254	277	3	variables	variable	NOUN
gujaf-254	277	4	include	include	VERB
gujaf-254	277	5	automated	automate	VERB
gujaf-254	277	6	teller	teller	NOUN
gujaf-254	277	7	machine	machine	NOUN
gujaf-254	277	8	transactions	transaction	NOUN
gujaf-254	277	9	(	(	PUNCT
gujaf-254	277	10	atm	atm	NOUN
gujaf-254	277	11	)	)	PUNCT
gujaf-254	277	12	,	,	PUNCT
gujaf-254	277	13	mobile	mobile	NOUN
gujaf-254	277	14	transfers	transfer	NOUN
gujaf-254	277	15	(	(	PUNCT
gujaf-254	277	16	mt	mt	PROPN
gujaf-254	277	17	)	)	PUNCT
gujaf-254	277	18	,	,	PUNCT
gujaf-254	277	19	point	point	NOUN
gujaf-254	277	20	of	of	ADP
gujaf-254	277	21	sales	sale	NOUN
gujaf-254	277	22	(	(	PUNCT
gujaf-254	277	23	pos	pos	NOUN
gujaf-254	277	24	)	)	PUNCT
gujaf-254	277	25	and	and	CCONJ
gujaf-254	277	26	web	web	NOUN
gujaf-254	277	27	transfers	transfer	NOUN
gujaf-254	277	28	(	(	PUNCT
gujaf-254	277	29	wt	wt	NOUN
gujaf-254	277	30	)	)	PUNCT
gujaf-254	277	31	.	.	PUNCT
gujaf-254	278	1	additionally	additionally	ADV
gujaf-254	278	2	,	,	PUNCT
gujaf-254	278	3	inflation	inflation	NOUN
gujaf-254	278	4	(	(	PUNCT
gujaf-254	278	5	inf	inf	NOUN
gujaf-254	278	6	)	)	PUNCT
gujaf-254	278	7	was	be	AUX
gujaf-254	278	8	included	include	VERB
gujaf-254	278	9	as	as	ADP
gujaf-254	278	10	a	a	DET
gujaf-254	278	11	control	control	NOUN
gujaf-254	278	12	variable	variable	NOUN
gujaf-254	278	13	,	,	PUNCT
gujaf-254	278	14	as	as	SCONJ
gujaf-254	278	15	it	it	PRON
gujaf-254	278	16	is	be	AUX
gujaf-254	278	17	expected	expect	VERB
gujaf-254	278	18	to	to	PART
gujaf-254	278	19	impact	impact	VERB
gujaf-254	278	20	total	total	ADJ
gujaf-254	278	21	savings	saving	NOUN
gujaf-254	278	22	in	in	ADP
gujaf-254	278	23	the	the	DET
gujaf-254	278	24	financial	financial	ADJ
gujaf-254	278	25	sector	sector	NOUN
gujaf-254	278	26	in	in	ADP
gujaf-254	278	27	nigeria	nigeria	PROPN
gujaf-254	278	28	.	.	PUNCT
gujaf-254	279	1	β0	β0	PROPN
gujaf-254	279	2	is	be	AUX
gujaf-254	279	3	the	the	DET
gujaf-254	279	4	constant	constant	ADJ
gujaf-254	279	5	term	term	NOUN
gujaf-254	279	6	,	,	PUNCT
gujaf-254	279	7	β1	β1	PROPN
gujaf-254	279	8	to	to	ADP
gujaf-254	279	9	β5	β5	PROPN
gujaf-254	279	10	are	be	AUX
gujaf-254	279	11	the	the	DET
gujaf-254	279	12	parameters	parameter	NOUN
gujaf-254	279	13	of	of	ADP
gujaf-254	279	14	the	the	DET
gujaf-254	279	15	regression	regression	NOUN
gujaf-254	279	16	equation	equation	NOUN
gujaf-254	279	17	while	while	SCONJ
gujaf-254	279	18	γ	γ	X
gujaf-254	279	19	is	be	AUX
gujaf-254	279	20	the	the	DET
gujaf-254	279	21	adjustment	adjustment	NOUN
gujaf-254	279	22	parameter	parameter	NOUN
gujaf-254	279	23	which	which	PRON
gujaf-254	279	24	shows	show	VERB
gujaf-254	279	25	the	the	DET
gujaf-254	279	26	extent	extent	NOUN
gujaf-254	279	27	to	to	PART
gujaf-254	279	28	which	which	PRON
gujaf-254	279	29	the	the	DET
gujaf-254	279	30	disequilibrium	disequilibrium	NOUN
gujaf-254	279	31	in	in	ADP
gujaf-254	279	32	the	the	DET
gujaf-254	279	33	explanatory	explanatory	ADJ
gujaf-254	279	34	variable	variable	NOUN
gujaf-254	279	35	(	(	PUNCT
gujaf-254	279	36	∆tst	∆tst	NUM
gujaf-254	279	37	)	)	PUNCT
gujaf-254	279	38	is	be	AUX
gujaf-254	279	39	being	be	AUX
gujaf-254	279	40	corrected	correct	VERB
gujaf-254	279	41	each	each	DET
gujaf-254	279	42	period	period	NOUN
gujaf-254	279	43	.	.	PUNCT
gujaf-254	280	1	vt	vt	PROPN
gujaf-254	280	2	is	be	AUX
gujaf-254	280	3	the	the	DET
gujaf-254	280	4	white	white	ADJ
gujaf-254	280	5	noise	noise	NOUN
gujaf-254	280	6	error	error	NOUN
gujaf-254	280	7	term	term	NOUN
gujaf-254	280	8	and	and	CCONJ
gujaf-254	280	9	ecmt-1	ecmt-1	NUM
gujaf-254	280	10	is	be	AUX
gujaf-254	280	11	the	the	DET
gujaf-254	280	12	lagged	lag	VERB
gujaf-254	280	13	time	time	NOUN
gujaf-254	280	14	series	series	NOUN
gujaf-254	280	15	of	of	ADP
gujaf-254	280	16	residuals	residual	NOUN
gujaf-254	280	17	from	from	ADP
gujaf-254	280	18	the	the	DET
gujaf-254	280	19	co	co	X
gujaf-254	280	20	integrating	integrate	VERB
gujaf-254	280	21	vectors	vector	NOUN
gujaf-254	280	22	.	.	PUNCT
gujaf-254	281	1	equation	equation	NOUN
gujaf-254	281	2	4	4	NUM
gujaf-254	281	3	incorporates	incorporate	VERB
gujaf-254	281	4	a	a	DET
gujaf-254	281	5	corrective	corrective	ADJ
gujaf-254	281	6	mechanism	mechanism	NOUN
gujaf-254	281	7	by	by	ADP
gujaf-254	281	8	which	which	PRON
gujaf-254	281	9	previous	previous	ADJ
gujaf-254	281	10	disequilibria	disequilibria	NOUN
gujaf-254	281	11	in	in	ADP
gujaf-254	281	12	the	the	DET
gujaf-254	281	13	relationship	relationship	NOUN
gujaf-254	281	14	between	between	ADP
gujaf-254	281	15	the	the	DET
gujaf-254	281	16	digital	digital	ADJ
gujaf-254	281	17	financial	financial	ADJ
gujaf-254	281	18	services	service	NOUN
gujaf-254	281	19	indicators	indicator	NOUN
gujaf-254	281	20	and	and	CCONJ
gujaf-254	281	21	savings	saving	NOUN
gujaf-254	281	22	development	development	NOUN
gujaf-254	281	23	.	.	PUNCT
gujaf-254	282	1	this	this	DET
gujaf-254	282	2	way	way	NOUN
gujaf-254	282	3	,	,	PUNCT
gujaf-254	282	4	an	an	DET
gujaf-254	282	5	allowance	allowance	NOUN
gujaf-254	282	6	is	be	AUX
gujaf-254	282	7	made	make	VERB
gujaf-254	282	8	for	for	ADP
gujaf-254	282	9	any	any	DET
gujaf-254	282	10	shortrun	shortrun	NOUN
gujaf-254	282	11	divergence	divergence	NOUN
gujaf-254	282	12	in	in	ADP
gujaf-254	282	13	savings	saving	NOUN
gujaf-254	282	14	development	development	NOUN
gujaf-254	282	15	from	from	ADP
gujaf-254	282	16	the	the	DET
gujaf-254	282	17	long	long	ADV
gujaf-254	282	18	-	-	PUNCT
gujaf-254	282	19	run	run	NOUN
gujaf-254	282	20	target	target	NOUN
gujaf-254	282	21	.	.	PUNCT
gujaf-254	283	1	this	this	DET
gujaf-254	283	2	model	model	NOUN
gujaf-254	283	3	assumes	assume	VERB
gujaf-254	283	4	a	a	DET
gujaf-254	283	5	linear	linear	ADJ
gujaf-254	283	6	relationship	relationship	NOUN
gujaf-254	283	7	between	between	ADP
gujaf-254	283	8	ts	ts	ADP
gujaf-254	283	9	and	and	CCONJ
gujaf-254	283	10	the	the	DET
gujaf-254	283	11	independent	independent	ADJ
gujaf-254	283	12	variables	variable	NOUN
gujaf-254	283	13	,	,	PUNCT
gujaf-254	283	14	and	and	CCONJ
gujaf-254	283	15	that	that	SCONJ
gujaf-254	283	16	the	the	DET
gujaf-254	283	17	effects	effect	NOUN
gujaf-254	283	18	of	of	ADP
gujaf-254	283	19	the	the	DET
gujaf-254	283	20	independent	independent	ADJ
gujaf-254	283	21	variables	variable	NOUN
gujaf-254	283	22	on	on	ADP
gujaf-254	283	23	ts	ts	ADV
gujaf-254	283	24	are	be	AUX
gujaf-254	283	25	additive	additive	ADJ
gujaf-254	283	26	.	.	PUNCT
gujaf-254	284	1	it	it	PRON
gujaf-254	284	2	also	also	ADV
gujaf-254	284	3	assumes	assume	VERB
gujaf-254	284	4	that	that	SCONJ
gujaf-254	284	5	the	the	DET
gujaf-254	284	6	error	error	NOUN
gujaf-254	284	7	term	term	NOUN
gujaf-254	284	8	is	be	AUX
gujaf-254	284	9	normally	normally	ADV
gujaf-254	284	10	distributed	distribute	VERB
gujaf-254	284	11	and	and	CCONJ
gujaf-254	284	12	has	have	VERB
gujaf-254	284	13	constant	constant	ADJ
gujaf-254	284	14	variance	variance	NOUN
gujaf-254	284	15	.	.	PUNCT
gujaf-254	285	1	195	195	NUM
gujaf-254	285	2	4	4	NUM
gujaf-254	285	3	.	.	PUNCT
gujaf-254	285	4	data	datum	NOUN
gujaf-254	285	5	analysis	analysis	NOUN
gujaf-254	285	6	and	and	CCONJ
gujaf-254	285	7	interpretation	interpretation	NOUN
gujaf-254	285	8	of	of	ADP
gujaf-254	285	9	results	result	NOUN
gujaf-254	285	10	4.1	4.1	NUM
gujaf-254	285	11	descriptive	descriptive	ADJ
gujaf-254	285	12	analysis	analysis	NOUN
gujaf-254	285	13	table	table	NOUN
gujaf-254	285	14	1	1	NUM
gujaf-254	285	15	:	:	PUNCT
gujaf-254	285	16	showing	show	VERB
gujaf-254	285	17	result	result	NOUN
gujaf-254	285	18	of	of	ADP
gujaf-254	285	19	descriptive	descriptive	ADJ
gujaf-254	285	20	analysis	analysis	NOUN
gujaf-254	285	21	ts	ts	ADP
gujaf-254	285	22	wt	wt	NOUN
gujaf-254	285	23	pos	pos	NOUN
gujaf-254	285	24	mpb	mpb	PROPN
gujaf-254	285	25	inf	inf	PROPN
gujaf-254	285	26	atm	atm	PROPN
gujaf-254	285	27	mean	mean	VERB
gujaf-254	285	28	4.3485	4.3485	NUM
gujaf-254	286	1	4.4126	4.4126	NUM
gujaf-254	286	2	4.4771	4.4771	NUM
gujaf-254	286	3	4.4011	4.4011	NUM
gujaf-254	286	4	1.07966	1.07966	NUM
gujaf-254	286	5	5.4634	5.4634	NUM
gujaf-254	286	6	maximum	maximum	NOUN
gujaf-254	286	7	5.3367	5.3367	NUM
gujaf-254	286	8	7.6688	7.6688	NUM
gujaf-254	286	9	6.3652	6.3652	NUM
gujaf-254	286	10	6.6937	6.6937	NUM
gujaf-254	286	11	1.2723	1.2723	NUM
gujaf-254	286	12	6.3895	6.3895	NUM
gujaf-254	286	13	minimum	minimum	ADJ
gujaf-254	286	14	0.7870	0.7870	NUM
gujaf-254	286	15	2.9445	2.9445	NUM
gujaf-254	286	16	1.5863	1.5863	NUM
gujaf-254	286	17	1.3010	1.3010	NUM
gujaf-254	286	18	0.8865	0.8865	NUM
gujaf-254	286	19	4.2667	4.2667	NUM
gujaf-254	286	20	std	std	NOUN
gujaf-254	286	21	.	.	PUNCT
gujaf-254	286	22	dev	dev	PROPN
gujaf-254	286	23	.	.	PUNCT
gujaf-254	287	1	1.2121	1.2121	NUM
gujaf-254	287	2	1.3692	1.3692	NUM
gujaf-254	287	3	1.0350	1.0350	NUM
gujaf-254	287	4	1.3391	1.3391	NUM
gujaf-254	287	5	0.1073	0.1073	NUM
gujaf-254	287	6	0.4906	0.4906	NUM
gujaf-254	287	7	skewness	skewness	NOUN
gujaf-254	287	8	-1.6067	-1.6067	PROPN
gujaf-254	287	9	1.5279	1.5279	NUM
gujaf-254	287	10	-0.1934	-0.1934	NOUN
gujaf-254	287	11	-0.3095	-0.3095	PROPN
gujaf-254	287	12	-0.0702	-0.0702	PROPN
gujaf-254	287	13	-0.4605	-0.4605	PROPN
gujaf-254	287	14	kurtosis	kurtosis	VERB
gujaf-254	287	15	4.4517	4.4517	NUM
gujaf-254	287	16	3.9076	3.9076	NUM
gujaf-254	287	17	2.1665	2.1665	NUM
gujaf-254	287	18	2.4225	2.4225	NUM
gujaf-254	287	19	2.0583	2.0583	NUM
gujaf-254	287	20	2.7324	2.7324	NUM
gujaf-254	287	21	jarquebera	jarquebera	NOUN
gujaf-254	287	22	80.8149	80.8149	NUM
gujaf-254	287	23	66.049	66.049	NUM
gujaf-254	287	24	5.4886	5.4886	NUM
gujaf-254	287	25	4.6578	4.6578	NUM
gujaf-254	287	26	5.8928	5.8928	NUM
gujaf-254	287	27	5.9800	5.9800	NUM
gujaf-254	287	28	probability	probability	NOUN
gujaf-254	287	29	0.0000	0.0000	NUM
gujaf-254	287	30	0.0000	0.0000	NUM
gujaf-254	287	31	0.0643	0.0643	NUM
gujaf-254	287	32	0.0974	0.0974	NUM
gujaf-254	287	33	0.0525	0.0525	NUM
gujaf-254	287	34	0.0503	0.0503	NUM
gujaf-254	287	35	obs	obs	NOUN
gujaf-254	287	36	156	156	NUM
gujaf-254	287	37	156	156	NUM
gujaf-254	287	38	156	156	NUM
gujaf-254	287	39	156	156	NUM
gujaf-254	287	40	156	156	NUM
gujaf-254	287	41	156	156	NUM
gujaf-254	287	42	source	source	NOUN
gujaf-254	287	43	:	:	PUNCT
gujaf-254	287	44	eviews	eviews	PROPN
gujaf-254	287	45	output	output	NOUN
gujaf-254	287	46	,	,	PUNCT
gujaf-254	287	47	2023	2023	NUM
gujaf-254	287	48	table	table	NOUN
gujaf-254	287	49	1	1	NUM
gujaf-254	287	50	displays	display	VERB
gujaf-254	287	51	the	the	DET
gujaf-254	287	52	descriptive	descriptive	ADJ
gujaf-254	287	53	statistics	statistic	NOUN
gujaf-254	287	54	for	for	ADP
gujaf-254	287	55	savings	saving	NOUN
gujaf-254	287	56	and	and	CCONJ
gujaf-254	287	57	digital	digital	ADJ
gujaf-254	287	58	financial	financial	ADJ
gujaf-254	287	59	service	service	NOUN
gujaf-254	287	60	indicators	indicator	NOUN
gujaf-254	287	61	in	in	ADP
gujaf-254	287	62	nigeria	nigeria	PROPN
gujaf-254	287	63	:	:	PUNCT
gujaf-254	287	64	total	total	ADJ
gujaf-254	287	65	savings	saving	NOUN
gujaf-254	287	66	(	(	PUNCT
gujaf-254	287	67	ts	ts	NOUN
gujaf-254	287	68	)	)	PUNCT
gujaf-254	287	69	,	,	PUNCT
gujaf-254	287	70	automated	automate	VERB
gujaf-254	287	71	teller	teller	NOUN
gujaf-254	287	72	machine	machine	NOUN
gujaf-254	287	73	(	(	PUNCT
gujaf-254	287	74	atm	atm	NOUN
gujaf-254	287	75	)	)	PUNCT
gujaf-254	287	76	,	,	PUNCT
gujaf-254	287	77	mobile	mobile	NOUN
gujaf-254	287	78	transfers	transfer	NOUN
gujaf-254	287	79	(	(	PUNCT
gujaf-254	287	80	mt	mt	PROPN
gujaf-254	287	81	)	)	PUNCT
gujaf-254	287	82	,	,	PUNCT
gujaf-254	287	83	point	point	NOUN
gujaf-254	287	84	of	of	ADP
gujaf-254	287	85	sale	sale	NOUN
gujaf-254	287	86	(	(	PUNCT
gujaf-254	287	87	pos	pos	NOUN
gujaf-254	287	88	)	)	PUNCT
gujaf-254	287	89	,	,	PUNCT
gujaf-254	287	90	web	web	NOUN
gujaf-254	287	91	transfers	transfer	NOUN
gujaf-254	287	92	(	(	PUNCT
gujaf-254	287	93	wt	wt	NOUN
gujaf-254	287	94	)	)	PUNCT
gujaf-254	287	95	and	and	CCONJ
gujaf-254	287	96	inflation	inflation	NOUN
gujaf-254	287	97	rate	rate	NOUN
gujaf-254	287	98	(	(	PUNCT
gujaf-254	287	99	inf	inf	NOUN
gujaf-254	287	100	)	)	PUNCT
gujaf-254	287	101	.	.	PUNCT
gujaf-254	288	1	total	total	ADJ
gujaf-254	288	2	savings	saving	NOUN
gujaf-254	288	3	have	have	VERB
gujaf-254	288	4	an	an	DET
gujaf-254	288	5	average	average	NOUN
gujaf-254	288	6	of	of	ADP
gujaf-254	288	7	4.35	4.35	NUM
gujaf-254	288	8	billion	billion	NUM
gujaf-254	288	9	naira	naira	NOUN
gujaf-254	288	10	,	,	PUNCT
gujaf-254	288	11	exhibiting	exhibit	VERB
gujaf-254	288	12	substantial	substantial	ADJ
gujaf-254	288	13	variability	variability	NOUN
gujaf-254	288	14	spanning	span	VERB
gujaf-254	288	15	from	from	ADP
gujaf-254	288	16	0.79	0.79	NUM
gujaf-254	288	17	to	to	ADP
gujaf-254	288	18	5.34	5.34	NUM
gujaf-254	288	19	billion	billion	NUM
gujaf-254	288	20	naira	naira	NOUN
gujaf-254	288	21	.	.	PUNCT
gujaf-254	289	1	the	the	DET
gujaf-254	289	2	distribution	distribution	NOUN
gujaf-254	289	3	skews	skew	VERB
gujaf-254	289	4	towards	towards	ADP
gujaf-254	289	5	higher	high	ADJ
gujaf-254	289	6	savings	saving	NOUN
gujaf-254	289	7	,	,	PUNCT
gujaf-254	289	8	and	and	CCONJ
gujaf-254	289	9	the	the	DET
gujaf-254	289	10	elevated	elevated	ADJ
gujaf-254	289	11	kurtosis	kurtosis	NOUN
gujaf-254	289	12	of	of	ADP
gujaf-254	289	13	4.45	4.45	NUM
gujaf-254	289	14	suggests	suggest	VERB
gujaf-254	289	15	a	a	DET
gujaf-254	289	16	leptokurtic	leptokurtic	ADJ
gujaf-254	289	17	distribution	distribution	NOUN
gujaf-254	289	18	.	.	PUNCT
gujaf-254	290	1	meanwhile	meanwhile	ADV
gujaf-254	290	2	,	,	PUNCT
gujaf-254	290	3	web	web	NOUN
gujaf-254	290	4	transfer	transfer	NOUN
gujaf-254	290	5	average	average	NOUN
gujaf-254	290	6	4.41	4.41	NUM
gujaf-254	290	7	million	million	NUM
gujaf-254	290	8	naira	naira	NOUN
gujaf-254	290	9	,	,	PUNCT
gujaf-254	290	10	with	with	ADP
gujaf-254	290	11	notable	notable	ADJ
gujaf-254	290	12	variation	variation	NOUN
gujaf-254	290	13	between	between	ADP
gujaf-254	290	14	2.94	2.94	NUM
gujaf-254	290	15	and	and	CCONJ
gujaf-254	290	16	7.67	7.67	NUM
gujaf-254	290	17	million	million	NUM
gujaf-254	290	18	naira	naira	NOUN
gujaf-254	290	19	.	.	PUNCT
gujaf-254	291	1	the	the	DET
gujaf-254	291	2	distribution	distribution	NOUN
gujaf-254	291	3	skews	skew	VERB
gujaf-254	291	4	to	to	ADP
gujaf-254	291	5	the	the	DET
gujaf-254	291	6	right	right	ADJ
gujaf-254	291	7	due	due	ADP
gujaf-254	291	8	to	to	ADP
gujaf-254	291	9	a	a	DET
gujaf-254	291	10	low	low	ADJ
gujaf-254	291	11	transaction	transaction	NOUN
gujaf-254	291	12	with	with	ADP
gujaf-254	291	13	very	very	ADV
gujaf-254	291	14	high	high	ADJ
gujaf-254	291	15	values	value	NOUN
gujaf-254	291	16	,	,	PUNCT
gujaf-254	291	17	and	and	CCONJ
gujaf-254	291	18	the	the	DET
gujaf-254	291	19	kurtosis	kurtosis	NOUN
gujaf-254	291	20	of	of	ADP
gujaf-254	291	21	3.91	3.91	NUM
gujaf-254	291	22	indicates	indicate	VERB
gujaf-254	291	23	a	a	DET
gujaf-254	291	24	leptokurtic	leptokurtic	ADJ
gujaf-254	291	25	distribution	distribution	NOUN
gujaf-254	291	26	.	.	PUNCT
gujaf-254	292	1	similarly	similarly	ADV
gujaf-254	292	2	,	,	PUNCT
gujaf-254	292	3	point	point	NOUN
gujaf-254	292	4	of	of	ADP
gujaf-254	292	5	sale	sale	NOUN
gujaf-254	292	6	transactions	transaction	NOUN
gujaf-254	292	7	,	,	PUNCT
gujaf-254	292	8	averaging	average	VERB
gujaf-254	292	9	4.48	4.48	NUM
gujaf-254	292	10	million	million	NUM
gujaf-254	292	11	naira	naira	NOUN
gujaf-254	292	12	,	,	PUNCT
gujaf-254	292	13	showcase	showcase	NOUN
gujaf-254	292	14	variability	variability	NOUN
gujaf-254	292	15	between	between	ADP
gujaf-254	292	16	1.59	1.59	NUM
gujaf-254	292	17	and	and	CCONJ
gujaf-254	292	18	6.37	6.37	NUM
gujaf-254	292	19	million	million	NUM
gujaf-254	292	20	naira	naira	NOUN
gujaf-254	292	21	,	,	PUNCT
gujaf-254	292	22	with	with	ADP
gujaf-254	292	23	a	a	DET
gujaf-254	292	24	moderately	moderately	ADV
gujaf-254	292	25	left	leave	VERB
gujaf-254	292	26	-	-	PUNCT
gujaf-254	292	27	skewed	skew	VERB
gujaf-254	292	28	distribution	distribution	NOUN
gujaf-254	292	29	and	and	CCONJ
gujaf-254	292	30	a	a	DET
gujaf-254	292	31	kurtosis	kurtosis	NOUN
gujaf-254	292	32	of	of	ADP
gujaf-254	292	33	2.17	2.17	NUM
gujaf-254	292	34	,	,	PUNCT
gujaf-254	292	35	implying	imply	VERB
gujaf-254	292	36	platykurtic	platykurtic	ADJ
gujaf-254	292	37	distribution	distribution	NOUN
gujaf-254	292	38	.	.	PUNCT
gujaf-254	293	1	mobile	mobile	ADJ
gujaf-254	293	2	transfer	transfer	NOUN
gujaf-254	293	3	values	value	NOUN
gujaf-254	293	4	,	,	PUNCT
gujaf-254	293	5	averaging	average	VERB
gujaf-254	293	6	4.40	4.40	NUM
gujaf-254	293	7	million	million	NUM
gujaf-254	293	8	naira	naira	NOUN
gujaf-254	293	9	,	,	PUNCT
gujaf-254	293	10	reflect	reflect	VERB
gujaf-254	293	11	variation	variation	NOUN
gujaf-254	293	12	from	from	ADP
gujaf-254	293	13	1.30	1.30	NUM
gujaf-254	293	14	to	to	ADP
gujaf-254	293	15	6.69	6.69	NUM
gujaf-254	293	16	million	million	NUM
gujaf-254	293	17	naira	naira	NOUN
gujaf-254	293	18	,	,	PUNCT
gujaf-254	293	19	with	with	ADP
gujaf-254	293	20	a	a	DET
gujaf-254	293	21	moderately	moderately	ADV
gujaf-254	293	22	left	leave	VERB
gujaf-254	293	23	-	-	PUNCT
gujaf-254	293	24	skewed	skew	VERB
gujaf-254	293	25	distribution	distribution	NOUN
gujaf-254	293	26	and	and	CCONJ
gujaf-254	293	27	a	a	DET
gujaf-254	293	28	kurtosis	kurtosis	NOUN
gujaf-254	293	29	of	of	ADP
gujaf-254	293	30	2.42	2.42	NUM
gujaf-254	293	31	,	,	PUNCT
gujaf-254	293	32	suggesting	suggest	VERB
gujaf-254	293	33	a	a	DET
gujaf-254	293	34	platykurtic	platykurtic	ADJ
gujaf-254	293	35	distribution	distribution	NOUN
gujaf-254	293	36	.	.	PUNCT
gujaf-254	294	1	inflation	inflation	NOUN
gujaf-254	294	2	rates	rate	NOUN
gujaf-254	294	3	on	on	ADP
gujaf-254	294	4	the	the	DET
gujaf-254	294	5	other	other	ADJ
gujaf-254	294	6	hand	hand	NOUN
gujaf-254	294	7	,	,	PUNCT
gujaf-254	294	8	remain	remain	VERB
gujaf-254	294	9	relatively	relatively	ADV
gujaf-254	294	10	stable	stable	ADJ
gujaf-254	294	11	around	around	ADP
gujaf-254	294	12	1.08	1.08	NUM
gujaf-254	294	13	%	%	NOUN
gujaf-254	294	14	,	,	PUNCT
gujaf-254	294	15	with	with	ADP
gujaf-254	294	16	low	low	ADJ
gujaf-254	294	17	variability	variability	NOUN
gujaf-254	294	18	with	with	ADP
gujaf-254	294	19	a	a	DET
gujaf-254	294	20	slightly	slightly	ADV
gujaf-254	294	21	left	left	ADJ
gujaf-254	294	22	-	-	PUNCT
gujaf-254	294	23	skewed	skewed	ADJ
gujaf-254	294	24	distribution	distribution	NOUN
gujaf-254	294	25	,	,	PUNCT
gujaf-254	294	26	and	and	CCONJ
gujaf-254	294	27	a	a	DET
gujaf-254	294	28	kurtosis	kurtosis	NOUN
gujaf-254	294	29	of	of	ADP
gujaf-254	294	30	2.06	2.06	NUM
gujaf-254	294	31	indicating	indicate	VERB
gujaf-254	294	32	moderately	moderately	ADV
gujaf-254	294	33	heavy	heavy	ADJ
gujaf-254	294	34	tails	tail	NOUN
gujaf-254	294	35	which	which	PRON
gujaf-254	294	36	also	also	ADV
gujaf-254	294	37	suggest	suggest	VERB
gujaf-254	294	38	a	a	DET
gujaf-254	294	39	platykurtic	platykurtic	ADJ
gujaf-254	294	40	distribution	distribution	NOUN
gujaf-254	294	41	.	.	PUNCT
gujaf-254	295	1	automated	automate	VERB
gujaf-254	295	2	teller	teller	NOUN
gujaf-254	295	3	machine	machine	NOUN
gujaf-254	295	4	(	(	PUNCT
gujaf-254	295	5	atm	atm	NOUN
gujaf-254	295	6	)	)	PUNCT
gujaf-254	295	7	transactions	transaction	NOUN
gujaf-254	295	8	,	,	PUNCT
gujaf-254	295	9	averaging	average	VERB
gujaf-254	295	10	5.46	5.46	NUM
gujaf-254	295	11	million	million	NUM
gujaf-254	295	12	naira	naira	NOUN
gujaf-254	295	13	,	,	PUNCT
gujaf-254	295	14	indicating	indicate	VERB
gujaf-254	295	15	a	a	DET
gujaf-254	295	16	limited	limited	ADJ
gujaf-254	295	17	variation	variation	NOUN
gujaf-254	295	18	between	between	ADP
gujaf-254	295	19	4.27	4.27	NUM
gujaf-254	295	20	and	and	CCONJ
gujaf-254	295	21	6.39	6.39	NUM
gujaf-254	295	22	million	million	NUM
gujaf-254	295	23	naira	naira	NOUN
gujaf-254	295	24	,	,	PUNCT
gujaf-254	295	25	with	with	ADP
gujaf-254	295	26	a	a	DET
gujaf-254	295	27	slightly	slightly	ADV
gujaf-254	295	28	left	left	ADJ
gujaf-254	295	29	-	-	PUNCT
gujaf-254	295	30	skewed	skewed	ADJ
gujaf-254	295	31	distribution	distribution	NOUN
gujaf-254	295	32	.	.	PUNCT
gujaf-254	296	1	the	the	DET
gujaf-254	296	2	kurtosis	kurtosis	NOUN
gujaf-254	296	3	of	of	ADP
gujaf-254	296	4	2.73	2.73	NUM
gujaf-254	296	5	,	,	PUNCT
gujaf-254	296	6	implying	imply	VERB
gujaf-254	296	7	a	a	DET
gujaf-254	296	8	platykurtic	platykurtic	ADJ
gujaf-254	296	9	distribution	distribution	NOUN
gujaf-254	296	10	.	.	PUNCT
gujaf-254	297	1	196	196	NUM
gujaf-254	297	2	meanwhile	meanwhile	ADV
gujaf-254	297	3	,	,	PUNCT
gujaf-254	297	4	total	total	ADJ
gujaf-254	297	5	savings	saving	NOUN
gujaf-254	297	6	and	and	CCONJ
gujaf-254	297	7	web	web	NOUN
gujaf-254	297	8	transfer	transfer	NOUN
gujaf-254	297	9	variables	variable	NOUN
gujaf-254	297	10	,	,	PUNCT
gujaf-254	297	11	deviate	deviate	VERB
gujaf-254	297	12	from	from	ADP
gujaf-254	297	13	normal	normal	ADJ
gujaf-254	297	14	distribution	distribution	NOUN
gujaf-254	297	15	while	while	NOUN
gujaf-254	297	16	,	,	PUNCT
gujaf-254	297	17	the	the	DET
gujaf-254	297	18	data	data	NOUN
gujaf-254	297	19	generating	generating	NOUN
gujaf-254	297	20	process	process	NOUN
gujaf-254	297	21	of	of	ADP
gujaf-254	297	22	automated	automate	VERB
gujaf-254	297	23	teller	teller	NOUN
gujaf-254	297	24	machine	machine	NOUN
gujaf-254	297	25	,	,	PUNCT
gujaf-254	297	26	point	point	NOUN
gujaf-254	297	27	of	of	ADP
gujaf-254	297	28	sale	sale	NOUN
gujaf-254	297	29	,	,	PUNCT
gujaf-254	297	30	inflation	inflation	NOUN
gujaf-254	297	31	and	and	CCONJ
gujaf-254	297	32	mobile	mobile	ADJ
gujaf-254	297	33	transfer	transfer	NOUN
gujaf-254	297	34	are	be	AUX
gujaf-254	297	35	normally	normally	ADV
gujaf-254	297	36	distributed	distribute	VERB
gujaf-254	297	37	because	because	SCONJ
gujaf-254	297	38	the	the	DET
gujaf-254	297	39	probability	probability	NOUN
gujaf-254	297	40	of	of	ADP
gujaf-254	297	41	the	the	DET
gujaf-254	297	42	jarque	jarque	NOUN
gujaf-254	297	43	-	-	PUNCT
gujaf-254	297	44	bera	bera	NOUN
gujaf-254	297	45	statistics	statistic	NOUN
gujaf-254	297	46	are	be	AUX
gujaf-254	297	47	higher	high	ADJ
gujaf-254	297	48	than	than	ADP
gujaf-254	297	49	5	5	NUM
gujaf-254	297	50	percent	percent	NOUN
gujaf-254	297	51	significance	significance	NOUN
gujaf-254	297	52	level	level	NOUN
gujaf-254	297	53	.	.	PUNCT
gujaf-254	298	1	4.2	4.2	NUM
gujaf-254	298	2	correlation	correlation	NOUN
gujaf-254	298	3	analysis	analysis	NOUN
gujaf-254	298	4	table	table	NOUN
gujaf-254	298	5	2	2	NUM
gujaf-254	298	6	:	:	PUNCT
gujaf-254	298	7	correlation	correlation	NOUN
gujaf-254	298	8	results	result	VERB
gujaf-254	298	9	ts	ts	ADP
gujaf-254	298	10	wt	wt	PROPN
gujaf-254	298	11	pos	pos	PROPN
gujaf-254	298	12	mt	mt	PROPN
gujaf-254	298	13	inf	inf	PROPN
gujaf-254	298	14	atm	atm	PROPN
gujaf-254	298	15	ts	ts	ADP
gujaf-254	298	16	1	1	NUM
gujaf-254	298	17	wt	wt	PROPN
gujaf-254	298	18	0.3340	0.3340	NUM
gujaf-254	298	19	1	1	NUM
gujaf-254	298	20	pos	pos	NOUN
gujaf-254	298	21	0.7131	0.7131	NUM
gujaf-254	298	22	0.7612	0.7612	NUM
gujaf-254	298	23	1	1	NUM
gujaf-254	298	24	mt	mt	PROPN
gujaf-254	298	25	0.7829	0.7829	NUM
gujaf-254	298	26	0.7740	0.7740	NUM
gujaf-254	298	27	0.9731	0.9731	NUM
gujaf-254	298	28	1	1	NUM
gujaf-254	298	29	inf	inf	NOUN
gujaf-254	298	30	-0.1051	-0.1051	ADJ
gujaf-254	298	31	0.3838	0.3838	NUM
gujaf-254	298	32	0.2704	0.2704	NUM
gujaf-254	298	33	0.2158	0.2158	NUM
gujaf-254	298	34	1	1	NUM
gujaf-254	298	35	atm	atm	NOUN
gujaf-254	298	36	0.8015	0.8015	NUM
gujaf-254	298	37	0.7699	0.7699	NUM
gujaf-254	298	38	0.9363	0.9363	NUM
gujaf-254	298	39	0.9497	0.9497	NUM
gujaf-254	298	40	0.1933	0.1933	NUM
gujaf-254	298	41	1	1	NUM
gujaf-254	298	42	source	source	NOUN
gujaf-254	298	43	:	:	PUNCT
gujaf-254	298	44	eviews	eviews	PROPN
gujaf-254	298	45	output	output	VERB
gujaf-254	298	46	,	,	PUNCT
gujaf-254	298	47	2023	2023	NUM
gujaf-254	298	48	the	the	DET
gujaf-254	298	49	findings	finding	NOUN
gujaf-254	298	50	presented	present	VERB
gujaf-254	298	51	in	in	ADP
gujaf-254	298	52	table	table	NOUN
gujaf-254	298	53	2	2	NUM
gujaf-254	298	54	offer	offer	VERB
gujaf-254	298	55	a	a	DET
gujaf-254	298	56	comprehensive	comprehensive	ADJ
gujaf-254	298	57	correlation	correlation	NOUN
gujaf-254	298	58	analysis	analysis	NOUN
gujaf-254	298	59	among	among	ADP
gujaf-254	298	60	the	the	DET
gujaf-254	298	61	variables	variable	NOUN
gujaf-254	298	62	ts	ts	X
gujaf-254	298	63	(	(	PUNCT
gujaf-254	298	64	total	total	ADJ
gujaf-254	298	65	savings	saving	NOUN
gujaf-254	298	66	)	)	PUNCT
gujaf-254	298	67	,	,	PUNCT
gujaf-254	298	68	atm	atm	PROPN
gujaf-254	298	69	,	,	PUNCT
gujaf-254	298	70	mt	mt	PROPN
gujaf-254	298	71	(	(	PUNCT
gujaf-254	298	72	mobile	mobile	ADJ
gujaf-254	298	73	transfer	transfer	NOUN
gujaf-254	298	74	)	)	PUNCT
gujaf-254	298	75	,	,	PUNCT
gujaf-254	298	76	pos	pos	NOUN
gujaf-254	298	77	(	(	PUNCT
gujaf-254	298	78	point	point	NOUN
gujaf-254	298	79	of	of	ADP
gujaf-254	298	80	sale	sale	NOUN
gujaf-254	298	81	)	)	PUNCT
gujaf-254	298	82	,	,	PUNCT
gujaf-254	298	83	wt	wt	X
gujaf-254	298	84	(	(	PUNCT
gujaf-254	298	85	web	web	NOUN
gujaf-254	298	86	transfer	transfer	NOUN
gujaf-254	298	87	)	)	PUNCT
gujaf-254	298	88	,	,	PUNCT
gujaf-254	298	89	and	and	CCONJ
gujaf-254	298	90	inf	inf	PROPN
gujaf-254	298	91	(	(	PUNCT
gujaf-254	298	92	inflation	inflation	NOUN
gujaf-254	298	93	)	)	PUNCT
gujaf-254	298	94	.	.	PUNCT
gujaf-254	299	1	this	this	DET
gujaf-254	299	2	correlation	correlation	NOUN
gujaf-254	299	3	matrix	matrix	NOUN
gujaf-254	299	4	analysis	analysis	NOUN
gujaf-254	299	5	yields	yield	NOUN
gujaf-254	299	6	valuable	valuable	ADJ
gujaf-254	299	7	insights	insight	NOUN
gujaf-254	299	8	into	into	ADP
gujaf-254	299	9	the	the	DET
gujaf-254	299	10	interrelationships	interrelationship	NOUN
gujaf-254	299	11	among	among	ADP
gujaf-254	299	12	these	these	DET
gujaf-254	299	13	variables	variable	NOUN
gujaf-254	299	14	,	,	PUNCT
gujaf-254	299	15	unravelling	unravel	VERB
gujaf-254	299	16	their	their	PRON
gujaf-254	299	17	underlying	underlying	ADJ
gujaf-254	299	18	connections	connection	NOUN
gujaf-254	299	19	.	.	PUNCT
gujaf-254	300	1	the	the	DET
gujaf-254	300	2	outcomes	outcome	NOUN
gujaf-254	300	3	reveal	reveal	VERB
gujaf-254	300	4	noteworthy	noteworthy	ADJ
gujaf-254	300	5	patterns	pattern	NOUN
gujaf-254	300	6	of	of	ADP
gujaf-254	300	7	correlation	correlation	NOUN
gujaf-254	300	8	,	,	PUNCT
gujaf-254	300	9	shedding	shed	VERB
gujaf-254	300	10	light	light	NOUN
gujaf-254	300	11	on	on	ADP
gujaf-254	300	12	how	how	SCONJ
gujaf-254	300	13	changes	change	NOUN
gujaf-254	300	14	in	in	ADP
gujaf-254	300	15	one	one	NUM
gujaf-254	300	16	variable	variable	NOUN
gujaf-254	300	17	may	may	AUX
gujaf-254	300	18	correspond	correspond	VERB
gujaf-254	300	19	to	to	ADP
gujaf-254	300	20	changes	change	NOUN
gujaf-254	300	21	in	in	ADP
gujaf-254	300	22	another	another	PRON
gujaf-254	300	23	.	.	PUNCT
gujaf-254	301	1	the	the	DET
gujaf-254	301	2	results	result	NOUN
gujaf-254	301	3	underscore	underscore	VERB
gujaf-254	301	4	a	a	DET
gujaf-254	301	5	moderately	moderately	ADV
gujaf-254	301	6	weak	weak	ADJ
gujaf-254	301	7	correlation	correlation	NOUN
gujaf-254	301	8	of	of	ADP
gujaf-254	301	9	0.33	0.33	NUM
gujaf-254	301	10	between	between	ADP
gujaf-254	301	11	total	total	ADJ
gujaf-254	301	12	savings	saving	NOUN
gujaf-254	301	13	(	(	PUNCT
gujaf-254	301	14	ts	ts	NOUN
gujaf-254	301	15	)	)	PUNCT
gujaf-254	301	16	and	and	CCONJ
gujaf-254	301	17	web	web	NOUN
gujaf-254	301	18	transfer	transfer	NOUN
gujaf-254	301	19	(	(	PUNCT
gujaf-254	301	20	wt	wt	NOUN
gujaf-254	301	21	)	)	PUNCT
gujaf-254	301	22	.	.	PUNCT
gujaf-254	302	1	this	this	PRON
gujaf-254	302	2	implies	imply	VERB
gujaf-254	302	3	that	that	SCONJ
gujaf-254	302	4	an	an	DET
gujaf-254	302	5	increase	increase	NOUN
gujaf-254	302	6	in	in	ADP
gujaf-254	302	7	total	total	ADJ
gujaf-254	302	8	savings	saving	NOUN
gujaf-254	302	9	tends	tend	VERB
gujaf-254	302	10	to	to	PART
gujaf-254	302	11	be	be	AUX
gujaf-254	302	12	accompanied	accompany	VERB
gujaf-254	302	13	by	by	ADP
gujaf-254	302	14	a	a	DET
gujaf-254	302	15	rise	rise	NOUN
gujaf-254	302	16	in	in	ADP
gujaf-254	302	17	wt	wt	NOUN
gujaf-254	302	18	transactions	transaction	NOUN
gujaf-254	302	19	.	.	PUNCT
gujaf-254	303	1	in	in	ADP
gujaf-254	303	2	contrast	contrast	NOUN
gujaf-254	303	3	,	,	PUNCT
gujaf-254	303	4	a	a	DET
gujaf-254	303	5	robust	robust	ADJ
gujaf-254	303	6	positive	positive	ADJ
gujaf-254	303	7	correlation	correlation	NOUN
gujaf-254	303	8	of	of	ADP
gujaf-254	303	9	0.71	0.71	NUM
gujaf-254	303	10	exists	exist	NOUN
gujaf-254	303	11	between	between	ADP
gujaf-254	303	12	total	total	ADJ
gujaf-254	303	13	savings	saving	NOUN
gujaf-254	303	14	(	(	PUNCT
gujaf-254	303	15	ts	ts	NOUN
gujaf-254	303	16	)	)	PUNCT
gujaf-254	303	17	and	and	CCONJ
gujaf-254	303	18	point	point	NOUN
gujaf-254	303	19	of	of	ADP
gujaf-254	303	20	sale	sale	NOUN
gujaf-254	303	21	transactions	transaction	NOUN
gujaf-254	303	22	(	(	PUNCT
gujaf-254	303	23	pos	pos	NOUN
gujaf-254	303	24	)	)	PUNCT
gujaf-254	303	25	.	.	PUNCT
gujaf-254	304	1	this	this	PRON
gujaf-254	304	2	suggests	suggest	VERB
gujaf-254	304	3	that	that	SCONJ
gujaf-254	304	4	heightened	heighten	VERB
gujaf-254	304	5	total	total	ADJ
gujaf-254	304	6	savings	saving	NOUN
gujaf-254	304	7	might	might	AUX
gujaf-254	304	8	lead	lead	VERB
gujaf-254	304	9	to	to	ADP
gujaf-254	304	10	an	an	DET
gujaf-254	304	11	increase	increase	NOUN
gujaf-254	304	12	in	in	ADP
gujaf-254	304	13	pos	pos	NOUN
gujaf-254	304	14	transactions	transaction	NOUN
gujaf-254	304	15	.	.	PUNCT
gujaf-254	305	1	similarly	similarly	ADV
gujaf-254	305	2	,	,	PUNCT
gujaf-254	305	3	total	total	ADJ
gujaf-254	305	4	savings	saving	NOUN
gujaf-254	305	5	exhibit	exhibit	VERB
gujaf-254	305	6	a	a	DET
gujaf-254	305	7	substantial	substantial	ADJ
gujaf-254	305	8	positive	positive	ADJ
gujaf-254	305	9	correlation	correlation	NOUN
gujaf-254	305	10	of	of	ADP
gujaf-254	305	11	0.78	0.78	NUM
gujaf-254	305	12	with	with	ADP
gujaf-254	305	13	mobile	mobile	ADJ
gujaf-254	305	14	transfer	transfer	NOUN
gujaf-254	305	15	transactions	transaction	NOUN
gujaf-254	305	16	(	(	PUNCT
gujaf-254	305	17	mt	mt	PROPN
gujaf-254	305	18	)	)	PUNCT
gujaf-254	305	19	,	,	PUNCT
gujaf-254	305	20	indicating	indicate	VERB
gujaf-254	305	21	that	that	SCONJ
gujaf-254	305	22	higher	high	ADJ
gujaf-254	305	23	total	total	ADJ
gujaf-254	305	24	savings	saving	NOUN
gujaf-254	305	25	correlate	correlate	VERB
gujaf-254	305	26	with	with	ADP
gujaf-254	305	27	increased	increase	VERB
gujaf-254	305	28	mt	mt	PROPN
gujaf-254	305	29	values	value	NOUN
gujaf-254	305	30	.	.	PUNCT
gujaf-254	306	1	this	this	DET
gujaf-254	306	2	relationship	relationship	NOUN
gujaf-254	306	3	implies	imply	VERB
gujaf-254	306	4	that	that	SCONJ
gujaf-254	306	5	as	as	ADP
gujaf-254	306	6	total	total	ADJ
gujaf-254	306	7	savings	saving	NOUN
gujaf-254	306	8	rise	rise	NOUN
gujaf-254	306	9	,	,	PUNCT
gujaf-254	306	10	there	there	PRON
gujaf-254	306	11	's	be	VERB
gujaf-254	306	12	a	a	DET
gujaf-254	306	13	propensity	propensity	NOUN
gujaf-254	306	14	for	for	ADP
gujaf-254	306	15	mobile	mobile	ADJ
gujaf-254	306	16	transfer	transfer	NOUN
gujaf-254	306	17	transactions	transaction	NOUN
gujaf-254	306	18	to	to	PART
gujaf-254	306	19	increase	increase	VERB
gujaf-254	306	20	.	.	PUNCT
gujaf-254	307	1	likewise	likewise	ADV
gujaf-254	307	2	,	,	PUNCT
gujaf-254	307	3	a	a	DET
gujaf-254	307	4	strong	strong	ADJ
gujaf-254	307	5	positive	positive	ADJ
gujaf-254	307	6	correlation	correlation	NOUN
gujaf-254	307	7	of	of	ADP
gujaf-254	307	8	0.78	0.78	NUM
gujaf-254	307	9	emerges	emerge	NOUN
gujaf-254	307	10	between	between	ADP
gujaf-254	307	11	total	total	ADJ
gujaf-254	307	12	savings	saving	NOUN
gujaf-254	307	13	(	(	PUNCT
gujaf-254	307	14	ts	ts	NOUN
gujaf-254	307	15	)	)	PUNCT
gujaf-254	307	16	and	and	CCONJ
gujaf-254	307	17	automated	automate	VERB
gujaf-254	307	18	teller	teller	NOUN
gujaf-254	307	19	machine	machine	NOUN
gujaf-254	307	20	transactions	transaction	NOUN
gujaf-254	307	21	(	(	PUNCT
gujaf-254	307	22	atm	atm	NOUN
gujaf-254	307	23	)	)	PUNCT
gujaf-254	307	24	.	.	PUNCT
gujaf-254	308	1	consequently	consequently	ADV
gujaf-254	308	2	,	,	PUNCT
gujaf-254	308	3	as	as	ADP
gujaf-254	308	4	total	total	ADJ
gujaf-254	308	5	savings	saving	NOUN
gujaf-254	308	6	escalate	escalate	NOUN
gujaf-254	308	7	,	,	PUNCT
gujaf-254	308	8	atm	atm	ADJ
gujaf-254	308	9	transactions	transaction	NOUN
gujaf-254	308	10	also	also	ADV
gujaf-254	308	11	tend	tend	VERB
gujaf-254	308	12	to	to	PART
gujaf-254	308	13	ascend	ascend	VERB
gujaf-254	308	14	.	.	PUNCT
gujaf-254	309	1	this	this	DET
gujaf-254	309	2	correlation	correlation	NOUN
gujaf-254	309	3	underscores	underscore	VERB
gujaf-254	309	4	a	a	DET
gujaf-254	309	5	plausible	plausible	ADJ
gujaf-254	309	6	linkage	linkage	NOUN
gujaf-254	309	7	between	between	ADP
gujaf-254	309	8	total	total	ADJ
gujaf-254	309	9	savings	saving	NOUN
gujaf-254	309	10	and	and	CCONJ
gujaf-254	309	11	atm	atm	NOUN
gujaf-254	309	12	activity	activity	NOUN
gujaf-254	309	13	,	,	PUNCT
gujaf-254	309	14	suggesting	suggest	VERB
gujaf-254	309	15	that	that	SCONJ
gujaf-254	309	16	higher	high	ADJ
gujaf-254	309	17	total	total	ADJ
gujaf-254	309	18	savings	saving	NOUN
gujaf-254	309	19	might	might	AUX
gujaf-254	309	20	align	align	VERB
gujaf-254	309	21	with	with	ADP
gujaf-254	309	22	heightened	heighten	VERB
gujaf-254	309	23	atm	atm	NOUN
gujaf-254	309	24	usage	usage	NOUN
gujaf-254	309	25	.	.	PUNCT
gujaf-254	310	1	on	on	ADP
gujaf-254	310	2	a	a	DET
gujaf-254	310	3	different	different	ADJ
gujaf-254	310	4	note	note	NOUN
gujaf-254	310	5	,	,	PUNCT
gujaf-254	310	6	a	a	DET
gujaf-254	310	7	minor	minor	ADJ
gujaf-254	310	8	197	197	NUM
gujaf-254	310	9	negative	negative	ADJ
gujaf-254	310	10	correlation	correlation	NOUN
gujaf-254	310	11	of	of	ADP
gujaf-254	310	12	-0.10	-0.10	NUM
gujaf-254	310	13	is	be	AUX
gujaf-254	310	14	observed	observe	VERB
gujaf-254	310	15	between	between	ADP
gujaf-254	310	16	total	total	ADJ
gujaf-254	310	17	savings	saving	NOUN
gujaf-254	310	18	(	(	PUNCT
gujaf-254	310	19	ts	ts	NOUN
gujaf-254	310	20	)	)	PUNCT
gujaf-254	310	21	and	and	CCONJ
gujaf-254	310	22	inflation	inflation	NOUN
gujaf-254	310	23	(	(	PUNCT
gujaf-254	310	24	inf	inf	NOUN
gujaf-254	310	25	)	)	PUNCT
gujaf-254	310	26	.	.	PUNCT
gujaf-254	311	1	this	this	PRON
gujaf-254	311	2	indicates	indicate	VERB
gujaf-254	311	3	that	that	SCONJ
gujaf-254	311	4	fluctuations	fluctuation	NOUN
gujaf-254	311	5	in	in	ADP
gujaf-254	311	6	total	total	ADJ
gujaf-254	311	7	savings	saving	NOUN
gujaf-254	311	8	are	be	AUX
gujaf-254	311	9	not	not	PART
gujaf-254	311	10	notably	notably	ADV
gujaf-254	311	11	connected	connect	VERB
gujaf-254	311	12	to	to	ADP
gujaf-254	311	13	shifts	shift	NOUN
gujaf-254	311	14	in	in	ADP
gujaf-254	311	15	inflation	inflation	NOUN
gujaf-254	311	16	values	value	NOUN
gujaf-254	311	17	.	.	PUNCT
gujaf-254	312	1	evidently	evidently	ADV
gujaf-254	312	2	,	,	PUNCT
gujaf-254	312	3	none	none	NOUN
gujaf-254	312	4	of	of	ADP
gujaf-254	312	5	the	the	DET
gujaf-254	312	6	correlation	correlation	NOUN
gujaf-254	312	7	coefficients	coefficient	NOUN
gujaf-254	312	8	surpass	surpass	ADJ
gujaf-254	312	9	0.8	0.8	NUM
gujaf-254	312	10	,	,	PUNCT
gujaf-254	312	11	signifying	signify	VERB
gujaf-254	312	12	the	the	DET
gujaf-254	312	13	absence	absence	NOUN
gujaf-254	312	14	of	of	ADP
gujaf-254	312	15	multicollinearity	multicollinearity	NOUN
gujaf-254	312	16	concerns	concern	NOUN
gujaf-254	312	17	in	in	ADP
gujaf-254	312	18	the	the	DET
gujaf-254	312	19	model	model	NOUN
gujaf-254	312	20	.	.	PUNCT
gujaf-254	313	1	this	this	PRON
gujaf-254	313	2	reassures	reassure	VERB
gujaf-254	313	3	the	the	DET
gujaf-254	313	4	reliability	reliability	NOUN
gujaf-254	313	5	of	of	ADP
gujaf-254	313	6	the	the	DET
gujaf-254	313	7	identified	identify	VERB
gujaf-254	313	8	individual	individual	ADJ
gujaf-254	313	9	relationships	relationship	NOUN
gujaf-254	313	10	by	by	ADP
gujaf-254	313	11	highlighting	highlight	VERB
gujaf-254	313	12	that	that	SCONJ
gujaf-254	313	13	the	the	DET
gujaf-254	313	14	variables	variable	NOUN
gujaf-254	313	15	under	under	ADP
gujaf-254	313	16	analysis	analysis	NOUN
gujaf-254	313	17	are	be	AUX
gujaf-254	313	18	not	not	PART
gujaf-254	313	19	strongly	strongly	ADV
gujaf-254	313	20	interdependent	interdependent	ADJ
gujaf-254	313	21	.	.	PUNCT
gujaf-254	314	1	1.3	1.3	NUM
gujaf-254	314	2	stationarity	stationarity	NOUN
gujaf-254	314	3	test	test	NOUN
gujaf-254	314	4	(	(	PUNCT
gujaf-254	314	5	unit	unit	NOUN
gujaf-254	314	6	root	root	NOUN
gujaf-254	314	7	)	)	PUNCT
gujaf-254	314	8	to	to	PART
gujaf-254	314	9	mitigate	mitigate	VERB
gujaf-254	314	10	the	the	DET
gujaf-254	314	11	risk	risk	NOUN
gujaf-254	314	12	of	of	ADP
gujaf-254	314	13	producing	produce	VERB
gujaf-254	314	14	inaccurate	inaccurate	ADJ
gujaf-254	314	15	or	or	CCONJ
gujaf-254	314	16	misleading	misleading	ADJ
gujaf-254	314	17	outcomes	outcome	NOUN
gujaf-254	314	18	,	,	PUNCT
gujaf-254	314	19	an	an	DET
gujaf-254	314	20	assessment	assessment	NOUN
gujaf-254	314	21	of	of	ADP
gujaf-254	314	22	data	datum	NOUN
gujaf-254	314	23	stationarity	stationarity	NOUN
gujaf-254	314	24	was	be	AUX
gujaf-254	314	25	conducted	conduct	VERB
gujaf-254	314	26	using	use	VERB
gujaf-254	314	27	the	the	DET
gujaf-254	314	28	augmented	augment	VERB
gujaf-254	314	29	dicky	dicky	PROPN
gujaf-254	314	30	fuller	full	ADJ
gujaf-254	314	31	.	.	PUNCT
gujaf-254	315	1	the	the	DET
gujaf-254	315	2	comprehensive	comprehensive	ADJ
gujaf-254	315	3	outcomes	outcome	NOUN
gujaf-254	315	4	of	of	ADP
gujaf-254	315	5	these	these	DET
gujaf-254	315	6	analyses	analysis	NOUN
gujaf-254	315	7	are	be	AUX
gujaf-254	315	8	meticulously	meticulously	ADV
gujaf-254	315	9	outlined	outline	VERB
gujaf-254	315	10	in	in	ADP
gujaf-254	315	11	table	table	NOUN
gujaf-254	315	12	3	3	NUM
gujaf-254	315	13	.	.	PUNCT
gujaf-254	315	14	table	table	NOUN
gujaf-254	315	15	3	3	NUM
gujaf-254	315	16	:	:	PUNCT
gujaf-254	315	17	unit	unit	NOUN
gujaf-254	315	18	root	root	NOUN
gujaf-254	315	19	test	test	NOUN
gujaf-254	315	20	with	with	ADP
gujaf-254	315	21	individual	individual	ADJ
gujaf-254	315	22	intercept	intercept	NOUN
gujaf-254	315	23	variables	variable	NOUN
gujaf-254	315	24	adf	adf	PROPN
gujaf-254	315	25	statistic	statistic	PROPN
gujaf-254	315	26	pp	pp	ADP
gujaf-254	315	27	statistic	statistic	ADJ
gujaf-254	315	28	decision	decision	NOUN
gujaf-254	315	29	ts	ts	ADP
gujaf-254	315	30	-4.207	-4.207	NOUN
gujaf-254	315	31	-4.207	-4.207	X
gujaf-254	315	32	*	*	PUNCT
gujaf-254	315	33	*	*	PUNCT
gujaf-254	315	34	*	*	PUNCT
gujaf-254	315	35	i(0	i(0	PROPN
gujaf-254	315	36	)	)	PUNCT
gujaf-254	315	37	atm	atm	PROPN
gujaf-254	315	38	-14.673	-14.673	PROPN
gujaf-254	315	39	-15.273	-15.273	NOUN
gujaf-254	315	40	*	*	PROPN
gujaf-254	315	41	*	*	PUNCT
gujaf-254	315	42	*	*	PUNCT
gujaf-254	315	43	i(1	i(1	PROPN
gujaf-254	315	44	)	)	PUNCT
gujaf-254	315	45	mt	mt	PROPN
gujaf-254	315	46	-12.947	-12.947	PROPN
gujaf-254	315	47	-13.454	-13.454	PROPN
gujaf-254	316	1	*	*	PUNCT
gujaf-254	316	2	*	*	PUNCT
gujaf-254	316	3	*	*	PUNCT
gujaf-254	316	4	i(1	i(1	PROPN
gujaf-254	316	5	)	)	PUNCT
gujaf-254	316	6	pos	pos	NOUN
gujaf-254	316	7	-11.987	-11.987	PROPN
gujaf-254	316	8	-23.468	-23.468	PROPN
gujaf-254	316	9	*	*	PUNCT
gujaf-254	316	10	*	*	PUNCT
gujaf-254	316	11	*	*	PUNCT
gujaf-254	316	12	i(1	i(1	PROPN
gujaf-254	316	13	)	)	PUNCT
gujaf-254	317	1	wt	wt	ADP
gujaf-254	317	2	-13.889	-13.889	PROPN
gujaf-254	317	3	-14.064	-14.064	NOUN
gujaf-254	317	4	*	*	PUNCT
gujaf-254	317	5	*	*	PUNCT
gujaf-254	317	6	*	*	PUNCT
gujaf-254	317	7	i(1	i(1	PROPN
gujaf-254	317	8	)	)	PUNCT
gujaf-254	317	9	inf	inf	NOUN
gujaf-254	317	10	-5.993	-5.993	PUNCT
gujaf-254	317	11	-12.627	-12.627	PROPN
gujaf-254	317	12	*	*	PUNCT
gujaf-254	317	13	*	*	PUNCT
gujaf-254	317	14	*	*	PUNCT
gujaf-254	317	15	i(1	i(1	PROPN
gujaf-254	317	16	)	)	PUNCT
gujaf-254	317	17	source	source	NOUN
gujaf-254	317	18	:	:	PUNCT
gujaf-254	317	19	eviews	eviews	PROPN
gujaf-254	317	20	output	output	NOUN
gujaf-254	317	21	,	,	PUNCT
gujaf-254	317	22	2023	2023	NUM
gujaf-254	317	23	the	the	DET
gujaf-254	317	24	stationarity	stationarity	NOUN
gujaf-254	317	25	test	test	NOUN
gujaf-254	317	26	reported	report	VERB
gujaf-254	317	27	in	in	ADP
gujaf-254	317	28	table	table	NOUN
gujaf-254	317	29	3	3	NUM
gujaf-254	317	30	shows	show	VERB
gujaf-254	317	31	adf	adf	PROPN
gujaf-254	317	32	and	and	CCONJ
gujaf-254	317	33	pp	pp	ADP
gujaf-254	317	34	test	test	NOUN
gujaf-254	317	35	statistics	statistic	NOUN
gujaf-254	317	36	with	with	ADP
gujaf-254	317	37	individual	individual	ADJ
gujaf-254	317	38	intercepts	intercept	NOUN
gujaf-254	317	39	.	.	PUNCT
gujaf-254	318	1	the	the	DET
gujaf-254	318	2	result	result	NOUN
gujaf-254	318	3	indicates	indicate	VERB
gujaf-254	318	4	that	that	SCONJ
gujaf-254	318	5	ts	ts	ADP
gujaf-254	318	6	was	be	AUX
gujaf-254	318	7	stationary	stationary	ADJ
gujaf-254	318	8	at	at	ADP
gujaf-254	318	9	levels	level	NOUN
gujaf-254	318	10	i~0(indicating	i~0(indicate	VERB
gujaf-254	318	11	no	no	DET
gujaf-254	318	12	unit	unit	NOUN
gujaf-254	318	13	root	root	NOUN
gujaf-254	318	14	)	)	PUNCT
gujaf-254	318	15	while	while	SCONJ
gujaf-254	318	16	atm	atm	PROPN
gujaf-254	318	17	,	,	PUNCT
gujaf-254	318	18	mt	mt	PROPN
gujaf-254	318	19	,	,	PUNCT
gujaf-254	318	20	pos	pos	PROPN
gujaf-254	318	21	,	,	PUNCT
gujaf-254	318	22	wt	wt	ADP
gujaf-254	318	23	,	,	PUNCT
gujaf-254	318	24	and	and	CCONJ
gujaf-254	318	25	inf	inf	PROPN
gujaf-254	318	26	were	be	AUX
gujaf-254	318	27	stationary	stationary	ADJ
gujaf-254	318	28	at	at	ADP
gujaf-254	318	29	first	first	ADJ
gujaf-254	318	30	difference	difference	NOUN
gujaf-254	318	31	,	,	PUNCT
gujaf-254	318	32	i~1(indicating	i~1(indicate	VERB
gujaf-254	318	33	existence	existence	NOUN
gujaf-254	318	34	of	of	ADP
gujaf-254	318	35	a	a	DET
gujaf-254	318	36	unit	unit	NOUN
gujaf-254	318	37	root	root	NOUN
gujaf-254	318	38	)	)	PUNCT
gujaf-254	318	39	.	.	PUNCT
gujaf-254	319	1	4.4	4.4	NUM
gujaf-254	319	2	cointegration	cointegration	NOUN
gujaf-254	319	3	test	test	NOUN
gujaf-254	319	4	:	:	PUNCT
gujaf-254	319	5	as	as	SCONJ
gujaf-254	319	6	depicted	depict	VERB
gujaf-254	319	7	in	in	ADP
gujaf-254	319	8	table	table	NOUN
gujaf-254	319	9	3	3	NUM
gujaf-254	319	10	,	,	PUNCT
gujaf-254	319	11	a	a	DET
gujaf-254	319	12	majority	majority	NOUN
gujaf-254	319	13	of	of	ADP
gujaf-254	319	14	the	the	DET
gujaf-254	319	15	variables	variable	NOUN
gujaf-254	319	16	exhibit	exhibit	VERB
gujaf-254	319	17	an	an	DET
gujaf-254	319	18	integrated	integrate	VERB
gujaf-254	319	19	order	order	NOUN
gujaf-254	319	20	of	of	ADP
gujaf-254	319	21	i(1	i(1	PROPN
gujaf-254	319	22	)	)	PUNCT
gujaf-254	319	23	,	,	PUNCT
gujaf-254	319	24	indicating	indicate	VERB
gujaf-254	319	25	the	the	DET
gujaf-254	319	26	presence	presence	NOUN
gujaf-254	319	27	of	of	ADP
gujaf-254	319	28	unit	unit	NOUN
gujaf-254	319	29	roots	root	NOUN
gujaf-254	319	30	.	.	PUNCT
gujaf-254	320	1	consequently	consequently	ADV
gujaf-254	320	2	,	,	PUNCT
gujaf-254	320	3	the	the	DET
gujaf-254	320	4	logical	logical	ADJ
gujaf-254	320	5	course	course	NOUN
gujaf-254	320	6	of	of	ADP
gujaf-254	320	7	action	action	NOUN
gujaf-254	320	8	involves	involve	VERB
gujaf-254	320	9	conducting	conduct	VERB
gujaf-254	320	10	co	co	NOUN
gujaf-254	320	11	-	-	NOUN
gujaf-254	320	12	integration	integration	NOUN
gujaf-254	320	13	tests	test	NOUN
gujaf-254	320	14	among	among	ADP
gujaf-254	320	15	these	these	DET
gujaf-254	320	16	variables	variable	NOUN
gujaf-254	320	17	to	to	PART
gujaf-254	320	18	explore	explore	VERB
gujaf-254	320	19	potential	potential	ADJ
gujaf-254	320	20	interrelationships	interrelationship	NOUN
gujaf-254	320	21	.	.	PUNCT
gujaf-254	321	1	to	to	PART
gujaf-254	321	2	facilitate	facilitate	VERB
gujaf-254	321	3	this	this	DET
gujaf-254	321	4	examination	examination	NOUN
gujaf-254	321	5	of	of	ADP
gujaf-254	321	6	co	co	NOUN
gujaf-254	321	7	-	-	NOUN
gujaf-254	321	8	integration	integration	NOUN
gujaf-254	321	9	,	,	PUNCT
gujaf-254	321	10	a	a	DET
gujaf-254	321	11	stationarity	stationarity	NOUN
gujaf-254	321	12	test	test	NOUN
gujaf-254	321	13	is	be	AUX
gujaf-254	321	14	conducted	conduct	VERB
gujaf-254	321	15	.	.	PUNCT
gujaf-254	322	1	in	in	ADP
gujaf-254	322	2	this	this	DET
gujaf-254	322	3	regard	regard	NOUN
gujaf-254	322	4	,	,	PUNCT
gujaf-254	322	5	the	the	DET
gujaf-254	322	6	analysis	analysis	NOUN
gujaf-254	322	7	employs	employ	VERB
gujaf-254	322	8	the	the	DET
gujaf-254	322	9	ardl	ardl	NOUN
gujaf-254	322	10	f	f	PROPN
gujaf-254	322	11	bounds	bound	VERB
gujaf-254	322	12	test	test	VERB
gujaf-254	322	13	,	,	PUNCT
gujaf-254	322	14	which	which	PRON
gujaf-254	322	15	assumes	assume	VERB
gujaf-254	322	16	a	a	DET
gujaf-254	322	17	null	null	ADJ
gujaf-254	322	18	hypothesis	hypothesis	NOUN
gujaf-254	322	19	implying	imply	VERB
gujaf-254	322	20	the	the	DET
gujaf-254	322	21	absence	absence	NOUN
gujaf-254	322	22	of	of	ADP
gujaf-254	322	23	co	co	NOUN
gujaf-254	322	24	-	-	NOUN
gujaf-254	322	25	integration	integration	NOUN
gujaf-254	322	26	.	.	PUNCT
gujaf-254	323	1	198	198	NUM
gujaf-254	323	2	table	table	NOUN
gujaf-254	323	3	4	4	NUM
gujaf-254	323	4	:	:	PUNCT
gujaf-254	323	5	f	f	PROPN
gujaf-254	323	6	bounds	bound	VERB
gujaf-254	323	7	test	test	VERB
gujaf-254	323	8	null	null	ADJ
gujaf-254	323	9	hypothesis	hypothesis	NOUN
gujaf-254	323	10	:	:	PUNCT
gujaf-254	323	11	no	no	DET
gujaf-254	323	12	levels	level	NOUN
gujaf-254	323	13	relationship	relationship	NOUN
gujaf-254	323	14	test	test	NOUN
gujaf-254	323	15	statistic	statistic	NOUN
gujaf-254	323	16	value	value	NOUN
gujaf-254	323	17	sign	sign	NOUN
gujaf-254	323	18	i(0	i(0	PROPN
gujaf-254	323	19	)	)	PUNCT
gujaf-254	323	20	i(1	i(1	PROPN
gujaf-254	323	21	)	)	PUNCT
gujaf-254	323	22	f	f	X
gujaf-254	323	23	-	-	PUNCT
gujaf-254	323	24	statistic	statistic	NOUN
gujaf-254	323	25	6.7152	6.7152	NUM
gujaf-254	323	26	10	10	NUM
gujaf-254	323	27	%	%	NOUN
gujaf-254	323	28	2.26	2.26	NUM
gujaf-254	323	29	3.35	3.35	NUM
gujaf-254	323	30	k	k	NOUN
gujaf-254	323	31	5	5	NUM
gujaf-254	323	32	5	5	NUM
gujaf-254	323	33	%	%	NOUN
gujaf-254	323	34	2.62	2.62	NUM
gujaf-254	323	35	3.79	3.79	NUM
gujaf-254	323	36	2.5	2.5	NUM
gujaf-254	323	37	%	%	NOUN
gujaf-254	323	38	2.96	2.96	NUM
gujaf-254	323	39	4.18	4.18	NUM
gujaf-254	323	40	1	1	NUM
gujaf-254	323	41	%	%	NOUN
gujaf-254	323	42	3.41	3.41	NUM
gujaf-254	323	43	4.68	4.68	NUM
gujaf-254	323	44	source	source	NOUN
gujaf-254	323	45	:	:	PUNCT
gujaf-254	323	46	eviews	eviews	PROPN
gujaf-254	323	47	output	output	VERB
gujaf-254	323	48	,	,	PUNCT
gujaf-254	323	49	2023	2023	NUM
gujaf-254	323	50	the	the	DET
gujaf-254	323	51	f	f	PROPN
gujaf-254	323	52	bounds	bound	VERB
gujaf-254	323	53	test	test	NOUN
gujaf-254	323	54	results	result	NOUN
gujaf-254	323	55	in	in	ADP
gujaf-254	323	56	table	table	NOUN
gujaf-254	323	57	4	4	NUM
gujaf-254	323	58	also	also	ADV
gujaf-254	323	59	strongly	strongly	ADV
gujaf-254	323	60	rejected	reject	VERB
gujaf-254	323	61	the	the	DET
gujaf-254	323	62	null	null	ADJ
gujaf-254	323	63	hypotheses	hypothesis	NOUN
gujaf-254	323	64	of	of	ADP
gujaf-254	323	65	no	no	DET
gujaf-254	323	66	co	co	NOUN
gujaf-254	323	67	-	-	NOUN
gujaf-254	323	68	integration	integration	NOUN
gujaf-254	323	69	in	in	ADP
gujaf-254	323	70	the	the	DET
gujaf-254	323	71	model	model	NOUN
gujaf-254	323	72	because	because	SCONJ
gujaf-254	323	73	the	the	DET
gujaf-254	323	74	parameters	parameter	NOUN
gujaf-254	323	75	values	value	NOUN
gujaf-254	323	76	of	of	ADP
gujaf-254	323	77	f	f	PROPN
gujaf-254	323	78	statistics	statistic	NOUN
gujaf-254	323	79	(	(	PUNCT
gujaf-254	323	80	6.71	6.71	NUM
gujaf-254	323	81	)	)	PUNCT
gujaf-254	323	82	is	be	AUX
gujaf-254	323	83	higher	high	ADJ
gujaf-254	323	84	than	than	ADP
gujaf-254	323	85	the	the	DET
gujaf-254	323	86	i(0	i(0	PROPN
gujaf-254	323	87	)	)	PUNCT
gujaf-254	323	88	and	and	CCONJ
gujaf-254	323	89	i(1)bounds	i(1)bound	NOUN
gujaf-254	323	90	.	.	PUNCT
gujaf-254	324	1	the	the	DET
gujaf-254	324	2	study	study	NOUN
gujaf-254	324	3	concludes	conclude	VERB
gujaf-254	324	4	that	that	SCONJ
gujaf-254	324	5	there	there	PRON
gujaf-254	324	6	is	be	VERB
gujaf-254	324	7	a	a	DET
gujaf-254	324	8	long	long	ADV
gujaf-254	324	9	-	-	PUNCT
gujaf-254	324	10	run	run	NOUN
gujaf-254	324	11	relationship	relationship	NOUN
gujaf-254	324	12	in	in	ADP
gujaf-254	324	13	the	the	DET
gujaf-254	324	14	model	model	NOUN
gujaf-254	324	15	.	.	PUNCT
gujaf-254	325	1	4.5	4.5	NUM
gujaf-254	325	2	:	:	PUNCT
gujaf-254	325	3	optimal	optimal	ADJ
gujaf-254	325	4	lag	lag	NOUN
gujaf-254	325	5	length	length	NOUN
gujaf-254	325	6	test	test	NOUN
gujaf-254	325	7	:	:	PUNCT
gujaf-254	325	8	the	the	DET
gujaf-254	325	9	optimal	optimal	ADJ
gujaf-254	325	10	lag	lag	NOUN
gujaf-254	325	11	length	length	NOUN
gujaf-254	325	12	was	be	AUX
gujaf-254	325	13	established	establish	VERB
gujaf-254	325	14	through	through	ADP
gujaf-254	325	15	the	the	DET
gujaf-254	325	16	var	var	NOUN
gujaf-254	325	17	lag	lag	NOUN
gujaf-254	325	18	length	length	NOUN
gujaf-254	325	19	criteria	criterion	NOUN
gujaf-254	325	20	.	.	PUNCT
gujaf-254	326	1	the	the	DET
gujaf-254	326	2	result	result	NOUN
gujaf-254	326	3	is	be	AUX
gujaf-254	326	4	presented	present	VERB
gujaf-254	326	5	in	in	ADP
gujaf-254	326	6	table	table	NOUN
gujaf-254	326	7	5	5	NUM
gujaf-254	326	8	.	.	PUNCT
gujaf-254	326	9	table	table	NOUN
gujaf-254	326	10	5	5	NUM
gujaf-254	326	11	:	:	PUNCT
gujaf-254	326	12	var	var	NOUN
gujaf-254	326	13	lag	lag	NOUN
gujaf-254	326	14	order	order	NOUN
gujaf-254	326	15	selection	selection	NOUN
gujaf-254	326	16	criteria	criterion	NOUN
gujaf-254	326	17	lag	lag	VERB
gujaf-254	327	1	logl	logl	NOUN
gujaf-254	327	2	lr	lr	PROPN
gujaf-254	327	3	fpe	fpe	PROPN
gujaf-254	327	4	aic	aic	PROPN
gujaf-254	327	5	sc	sc	PROPN
gujaf-254	327	6	hq	hq	NOUN
gujaf-254	327	7	0	0	NUM
gujaf-254	328	1	209.9827	209.9827	NUM
gujaf-254	328	2	na	na	ADP
gujaf-254	328	3	7.04e-07	7.04e-07	NUM
gujaf-254	328	4	2.86	2.86	NUM
gujaf-254	328	5	2.98	2.98	NUM
gujaf-254	328	6	2.91	2.91	NUM
gujaf-254	328	7	1	1	NUM
gujaf-254	328	8	836.9205	836.9205	NUM
gujaf-254	328	9	1996.74	1996.74	NUM
gujaf-254	328	10	1.08e-12	1.08e-12	NUM
gujaf-254	328	11	-10.52	-10.52	SYM
gujaf-254	328	12	-9.68	-9.68	PROPN
gujaf-254	328	13	*	*	PUNCT
gujaf-254	328	14	-10.18	-10.18	PROPN
gujaf-254	328	15	*	*	ADJ
gujaf-254	328	16	2	2	NUM
gujaf-254	328	17	870.1070	870.1070	NUM
gujaf-254	328	18	60.65	60.65	NUM
gujaf-254	328	19	1.12e-12	1.12e-12	NUM
gujaf-254	328	20	-10.49	-10.49	PROPN
gujaf-254	328	21	-8.93	-8.93	NUM
gujaf-254	328	22	-9.85	-9.85	NUM
gujaf-254	329	1	3	3	NUM
gujaf-254	329	2	909.8426	909.8426	NUM
gujaf-254	330	1	69.47	69.47	NUM
gujaf-254	330	2	*	*	SYM
gujaf-254	330	3	1.07e12	1.07e12	NUM
gujaf-254	330	4	*	*	PUNCT
gujaf-254	330	5	-10.54	-10.54	PROPN
gujaf-254	330	6	*	*	PUNCT
gujaf-254	330	7	-8.26	-8.26	PROPN
gujaf-254	330	8	-9.62	-9.62	NUM
gujaf-254	330	9	4	4	NUM
gujaf-254	330	10	925.3697	925.3697	NUM
gujaf-254	330	11	25.91	25.91	NUM
gujaf-254	330	12	1.42e-12	1.42e-12	NUM
gujaf-254	330	13	-10.26	-10.26	PROPN
gujaf-254	330	14	-7.27	-7.27	PROPN
gujaf-254	330	15	-9.05	-9.05	PROPN
gujaf-254	330	16	5	5	NUM
gujaf-254	330	17	943.0969	943.0969	NUM
gujaf-254	330	18	28.17	28.17	NUM
gujaf-254	330	19	1.84e-12	1.84e-12	NUM
gujaf-254	330	20	-10.02	-10.02	SYM
gujaf-254	330	21	-6.31	-6.31	NUM
gujaf-254	330	22	-8.51	-8.51	PROPN
gujaf-254	330	23	source	source	NOUN
gujaf-254	330	24	:	:	PUNCT
gujaf-254	330	25	eviews	eviews	PROPN
gujaf-254	330	26	output	output	NOUN
gujaf-254	330	27	,	,	PUNCT
gujaf-254	330	28	2023	2023	NUM
gujaf-254	330	29	based	base	VERB
gujaf-254	330	30	on	on	ADP
gujaf-254	330	31	the	the	DET
gujaf-254	330	32	outcomes	outcome	NOUN
gujaf-254	330	33	of	of	ADP
gujaf-254	330	34	lag	lag	NOUN
gujaf-254	330	35	length	length	NOUN
gujaf-254	330	36	criteria	criterion	NOUN
gujaf-254	330	37	obtained	obtain	VERB
gujaf-254	330	38	from	from	ADP
gujaf-254	330	39	the	the	DET
gujaf-254	330	40	var	var	NOUN
gujaf-254	330	41	analysis	analysis	NOUN
gujaf-254	330	42	,	,	PUNCT
gujaf-254	330	43	lag	lag	NOUN
gujaf-254	330	44	length	length	NOUN
gujaf-254	330	45	3	3	NUM
gujaf-254	330	46	emerged	emerge	VERB
gujaf-254	330	47	as	as	ADP
gujaf-254	330	48	the	the	DET
gujaf-254	330	49	favored	favor	VERB
gujaf-254	330	50	choice	choice	NOUN
gujaf-254	330	51	for	for	ADP
gujaf-254	330	52	estimation	estimation	NOUN
gujaf-254	330	53	.	.	PUNCT
gujaf-254	331	1	this	this	PRON
gujaf-254	331	2	suggests	suggest	VERB
gujaf-254	331	3	that	that	SCONJ
gujaf-254	331	4	for	for	ADP
gujaf-254	331	5	the	the	DET
gujaf-254	331	6	subsequent	subsequent	ADJ
gujaf-254	331	7	ardl	ardl	NOUN
gujaf-254	331	8	estimation	estimation	NOUN
gujaf-254	331	9	,	,	PUNCT
gujaf-254	331	10	the	the	DET
gujaf-254	331	11	optimal	optimal	ADJ
gujaf-254	331	12	lag	lag	NOUN
gujaf-254	331	13	length	length	NOUN
gujaf-254	331	14	is	be	AUX
gujaf-254	331	15	also	also	ADV
gujaf-254	331	16	determined	determined	ADJ
gujaf-254	331	17	to	to	PART
gujaf-254	331	18	be	be	AUX
gujaf-254	331	19	3	3	NUM
gujaf-254	331	20	,	,	PUNCT
gujaf-254	331	21	as	as	SCONJ
gujaf-254	331	22	indicated	indicate	VERB
gujaf-254	331	23	by	by	ADP
gujaf-254	331	24	several	several	ADJ
gujaf-254	331	25	lag	lag	NOUN
gujaf-254	331	26	length	length	NOUN
gujaf-254	331	27	criteria	criterion	NOUN
gujaf-254	331	28	.	.	PUNCT
gujaf-254	332	1	199	199	NUM
gujaf-254	332	2	4.6	4.6	NUM
gujaf-254	332	3	:	:	PUNCT
gujaf-254	332	4	short	short	ADJ
gujaf-254	332	5	-	-	PUNCT
gujaf-254	332	6	run	run	NOUN
gujaf-254	332	7	results	result	NOUN
gujaf-254	332	8	table	table	VERB
gujaf-254	332	9	6	6	NUM
gujaf-254	332	10	:	:	PUNCT
gujaf-254	332	11	short	short	ADJ
gujaf-254	332	12	-	-	PUNCT
gujaf-254	332	13	run	run	NOUN
gujaf-254	332	14	ardl	ardl	NOUN
gujaf-254	332	15	estimate	estimate	NOUN
gujaf-254	332	16	:	:	PUNCT
gujaf-254	333	1	d.v	d.v	PROPN
gujaf-254	333	2	.	.	PUNCT
gujaf-254	333	3	:	:	PUNCT
gujaf-254	334	1	ts	ts	PROPN
gujaf-254	334	2	source	source	NOUN
gujaf-254	334	3	:	:	PUNCT
gujaf-254	334	4	eviews	eviews	PROPN
gujaf-254	334	5	output	output	NOUN
gujaf-254	334	6	,	,	PUNCT
gujaf-254	334	7	2023	2023	NUM
gujaf-254	334	8	the	the	DET
gujaf-254	334	9	results	result	NOUN
gujaf-254	334	10	in	in	ADP
gujaf-254	334	11	table	table	NOUN
gujaf-254	334	12	6	6	NUM
gujaf-254	334	13	revealed	reveal	VERB
gujaf-254	334	14	that	that	SCONJ
gujaf-254	334	15	74	74	NUM
gujaf-254	334	16	%	%	NOUN
gujaf-254	334	17	of	of	ADP
gujaf-254	334	18	the	the	DET
gujaf-254	334	19	variations	variation	NOUN
gujaf-254	334	20	in	in	ADP
gujaf-254	334	21	total	total	ADJ
gujaf-254	334	22	savings	saving	NOUN
gujaf-254	334	23	was	be	AUX
gujaf-254	334	24	explained	explain	VERB
gujaf-254	334	25	by	by	ADP
gujaf-254	334	26	the	the	DET
gujaf-254	334	27	variation	variation	NOUN
gujaf-254	334	28	in	in	ADP
gujaf-254	334	29	the	the	DET
gujaf-254	334	30	explanatory	explanatory	ADJ
gujaf-254	334	31	variables	variable	NOUN
gujaf-254	334	32	in	in	ADP
gujaf-254	334	33	the	the	DET
gujaf-254	334	34	ardl	ardl	NOUN
gujaf-254	334	35	model	model	NOUN
gujaf-254	334	36	.	.	PUNCT
gujaf-254	335	1	the	the	DET
gujaf-254	335	2	results	result	NOUN
gujaf-254	335	3	from	from	ADP
gujaf-254	335	4	the	the	DET
gujaf-254	335	5	ardl	ardl	NOUN
gujaf-254	335	6	estimator	estimator	NOUN
gujaf-254	335	7	show	show	VERB
gujaf-254	335	8	that	that	SCONJ
gujaf-254	335	9	there	there	PRON
gujaf-254	335	10	is	be	VERB
gujaf-254	335	11	an	an	DET
gujaf-254	335	12	indirect	indirect	ADJ
gujaf-254	335	13	and	and	CCONJ
gujaf-254	335	14	significant	significant	ADJ
gujaf-254	335	15	relationship	relationship	NOUN
gujaf-254	335	16	between	between	ADP
gujaf-254	335	17	digital	digital	ADJ
gujaf-254	335	18	financial	financial	ADJ
gujaf-254	335	19	services	service	NOUN
gujaf-254	335	20	indicators	indicator	NOUN
gujaf-254	335	21	and	and	CCONJ
gujaf-254	335	22	total	total	ADJ
gujaf-254	335	23	savings	saving	NOUN
gujaf-254	335	24	.	.	PUNCT
gujaf-254	336	1	the	the	DET
gujaf-254	336	2	results	result	NOUN
gujaf-254	336	3	also	also	ADV
gujaf-254	336	4	show	show	VERB
gujaf-254	336	5	the	the	DET
gujaf-254	336	6	significance	significance	NOUN
gujaf-254	336	7	of	of	ADP
gujaf-254	336	8	the	the	DET
gujaf-254	336	9	model	model	NOUN
gujaf-254	336	10	(	(	PUNCT
gujaf-254	336	11	model	model	PROPN
gujaf-254	336	12	fit	fit	PROPN
gujaf-254	336	13	)	)	PUNCT
gujaf-254	336	14	.	.	PUNCT
gujaf-254	337	1	the	the	DET
gujaf-254	337	2	f	f	PROPN
gujaf-254	337	3	coefficient	coefficient	NOUN
gujaf-254	337	4	of	of	ADP
gujaf-254	337	5	33.62	33.62	NUM
gujaf-254	337	6	and	and	CCONJ
gujaf-254	337	7	significance	significance	NOUN
gujaf-254	337	8	value	value	NOUN
gujaf-254	337	9	of	of	ADP
gujaf-254	337	10	0.000	0.000	NUM
gujaf-254	337	11	prob	prob	NOUN
gujaf-254	337	12	.	.	PUNCT
gujaf-254	337	13	<	<	X
gujaf-254	337	14	0.05	0.05	NUM
gujaf-254	337	15	)	)	PUNCT
gujaf-254	337	16	,	,	PUNCT
gujaf-254	337	17	shows	show	VERB
gujaf-254	337	18	that	that	SCONJ
gujaf-254	337	19	overall	overall	ADJ
gujaf-254	337	20	,	,	PUNCT
gujaf-254	337	21	the	the	DET
gujaf-254	337	22	regression	regression	NOUN
gujaf-254	337	23	model	model	NOUN
gujaf-254	337	24	statistically	statistically	ADV
gujaf-254	337	25	and	and	CCONJ
gujaf-254	337	26	significantly	significantly	ADV
gujaf-254	337	27	predicts	predict	VERB
gujaf-254	337	28	total	total	ADJ
gujaf-254	337	29	savings	saving	NOUN
gujaf-254	337	30	in	in	ADP
gujaf-254	337	31	the	the	DET
gujaf-254	337	32	financial	financial	ADJ
gujaf-254	337	33	sector	sector	NOUN
gujaf-254	337	34	in	in	ADP
gujaf-254	337	35	nigeria	nigeria	PROPN
gujaf-254	337	36	well	well	ADV
gujaf-254	337	37	.	.	PUNCT
gujaf-254	338	1	meanwhile	meanwhile	ADV
gujaf-254	338	2	the	the	DET
gujaf-254	338	3	durbin	durbin	PROPN
gujaf-254	338	4	watson	watson	PROPN
gujaf-254	338	5	value	value	NOUN
gujaf-254	338	6	of	of	ADP
gujaf-254	338	7	2.42	2.42	NUM
gujaf-254	338	8	is	be	AUX
gujaf-254	338	9	close	close	ADJ
gujaf-254	338	10	to	to	ADP
gujaf-254	338	11	2	2	NUM
gujaf-254	338	12	and	and	CCONJ
gujaf-254	338	13	indicates	indicate	VERB
gujaf-254	338	14	an	an	DET
gujaf-254	338	15	absence	absence	NOUN
gujaf-254	338	16	of	of	ADP
gujaf-254	338	17	autocorrelation	autocorrelation	NOUN
gujaf-254	338	18	in	in	ADP
gujaf-254	338	19	the	the	DET
gujaf-254	338	20	model	model	NOUN
gujaf-254	338	21	.	.	PUNCT
gujaf-254	339	1	the	the	DET
gujaf-254	339	2	result	result	NOUN
gujaf-254	339	3	also	also	ADV
gujaf-254	339	4	revealed	reveal	VERB
gujaf-254	339	5	that	that	SCONJ
gujaf-254	339	6	automated	automate	VERB
gujaf-254	339	7	teller	teller	NOUN
gujaf-254	339	8	machine	machine	NOUN
gujaf-254	339	9	(	(	PUNCT
gujaf-254	339	10	atm	atm	NOUN
gujaf-254	339	11	)	)	PUNCT
gujaf-254	339	12	has	have	VERB
gujaf-254	339	13	a	a	DET
gujaf-254	339	14	negative	negative	ADJ
gujaf-254	339	15	significant	significant	ADJ
gujaf-254	339	16	effect	effect	NOUN
gujaf-254	339	17	on	on	ADP
gujaf-254	339	18	total	total	ADJ
gujaf-254	339	19	savings	saving	NOUN
gujaf-254	339	20	(	(	PUNCT
gujaf-254	339	21	β	β	X
gujaf-254	339	22	=	=	SYM
gujaf-254	339	23	-0.033	-0.033	NOUN
gujaf-254	339	24	*	*	PUNCT
gujaf-254	339	25	*	*	PUNCT
gujaf-254	339	26	*	*	NOUN
gujaf-254	339	27	,	,	PUNCT
gujaf-254	339	28	n	n	PROPN
gujaf-254	339	29	=	=	SYM
gujaf-254	339	30	156	156	NUM
gujaf-254	339	31	,	,	PUNCT
gujaf-254	339	32	p=0.000	p=0.000	NUM
gujaf-254	339	33	)	)	PUNCT
gujaf-254	339	34	at	at	ADP
gujaf-254	339	35	lag	lag	NOUN
gujaf-254	339	36	1	1	NUM
gujaf-254	339	37	and	and	CCONJ
gujaf-254	339	38	lag2(β	lag2(β	PRON
gujaf-254	339	39	=	=	PUNCT
gujaf-254	339	40	-0.024	-0.024	X
gujaf-254	339	41	*	*	PUNCT
gujaf-254	339	42	*	*	PUNCT
gujaf-254	339	43	*	*	NOUN
gujaf-254	339	44	,	,	PUNCT
gujaf-254	339	45	n	n	PROPN
gujaf-254	339	46	=	=	SYM
gujaf-254	339	47	156	156	NUM
gujaf-254	339	48	,	,	PUNCT
gujaf-254	339	49	p=0.000	p=0.000	NUM
gujaf-254	339	50	)	)	PUNCT
gujaf-254	339	51	respectively	respectively	ADV
gujaf-254	339	52	.	.	PUNCT
gujaf-254	340	1	the	the	DET
gujaf-254	340	2	result	result	NOUN
gujaf-254	340	3	implies	imply	VERB
gujaf-254	340	4	that	that	SCONJ
gujaf-254	340	5	holding	hold	VERB
gujaf-254	340	6	other	other	ADJ
gujaf-254	340	7	variables	variable	NOUN
gujaf-254	340	8	constant	constant	ADJ
gujaf-254	340	9	,	,	PUNCT
gujaf-254	340	10	a	a	DET
gujaf-254	340	11	1	1	NUM
gujaf-254	340	12	unit	unit	NOUN
gujaf-254	340	13	increase	increase	NOUN
gujaf-254	340	14	in	in	ADP
gujaf-254	340	15	the	the	DET
gujaf-254	340	16	number	number	NOUN
gujaf-254	340	17	of	of	ADP
gujaf-254	340	18	automated	automate	VERB
gujaf-254	340	19	teller	teller	NOUN
gujaf-254	340	20	variable	variable	ADJ
gujaf-254	340	21	coefficient	coefficient	PROPN
gujaf-254	340	22	prob	prob	PROPN
gujaf-254	340	23	.	.	PUNCT
gujaf-254	341	1	c	c	PROPN
gujaf-254	341	2	-2948.75	-2948.75	PROPN
gujaf-254	341	3	*	*	PUNCT
gujaf-254	341	4	*	*	PUNCT
gujaf-254	341	5	*	*	PROPN
gujaf-254	341	6	0.0065	0.0065	NUM
gujaf-254	341	7	δ(atm	δ(atm	NOUN
gujaf-254	341	8	)	)	PUNCT
gujaf-254	341	9	-0.0039	-0.0039	NOUN
gujaf-254	341	10	0.5275	0.5275	NUM
gujaf-254	341	11	δ	δ	PROPN
gujaf-254	341	12	(	(	PUNCT
gujaf-254	341	13	atm(-1	atm(-1	PROPN
gujaf-254	341	14	)	)	PUNCT
gujaf-254	341	15	)	)	PUNCT
gujaf-254	341	16	-0.0330	-0.0330	PROPN
gujaf-254	342	1	*	*	PUNCT
gujaf-254	342	2	*	*	PUNCT
gujaf-254	342	3	*	*	PUNCT
gujaf-254	342	4	0.0003	0.0003	NUM
gujaf-254	342	5	δ	δ	PROPN
gujaf-254	342	6	(	(	PUNCT
gujaf-254	342	7	atm(-2	atm(-2	PROPN
gujaf-254	342	8	)	)	PUNCT
gujaf-254	342	9	)	)	PUNCT
gujaf-254	342	10	-0.0248	-0.0248	NOUN
gujaf-254	343	1	*	*	PUNCT
gujaf-254	344	1	*	*	PUNCT
gujaf-254	344	2	*	*	X
gujaf-254	344	3	0.0002	0.0002	NUM
gujaf-254	344	4	δ	δ	NOUN
gujaf-254	344	5	(	(	PUNCT
gujaf-254	344	6	pos	pos	NOUN
gujaf-254	344	7	)	)	PUNCT
gujaf-254	344	8	-0.0094	-0.0094	NOUN
gujaf-254	344	9	0.2809	0.2809	NUM
gujaf-254	344	10	δ	δ	NOUN
gujaf-254	344	11	(	(	PUNCT
gujaf-254	344	12	pos(-1	pos(-1	ADJ
gujaf-254	344	13	)	)	PUNCT
gujaf-254	344	14	)	)	PUNCT
gujaf-254	345	1	0.0203	0.0203	NUM
gujaf-254	345	2	*	*	PUNCT
gujaf-254	345	3	*	*	PUNCT
gujaf-254	345	4	*	*	PUNCT
gujaf-254	345	5	0.0236	0.0236	NUM
gujaf-254	345	6	δ	δ	PROPN
gujaf-254	345	7	(	(	PUNCT
gujaf-254	345	8	pos(-2	pos(-2	NOUN
gujaf-254	345	9	)	)	PUNCT
gujaf-254	345	10	)	)	PUNCT
gujaf-254	345	11	-0.1086	-0.1086	PUNCT
gujaf-254	346	1	*	*	PUNCT
gujaf-254	347	1	*	*	PUNCT
gujaf-254	347	2	*	*	PUNCT
gujaf-254	347	3	0.0000	0.0000	NUM
gujaf-254	347	4	δ	δ	NOUN
gujaf-254	347	5	(	(	PUNCT
gujaf-254	347	6	wt	wt	PROPN
gujaf-254	347	7	)	)	PUNCT
gujaf-254	347	8	0.0002	0.0002	NUM
gujaf-254	347	9	0.3950	0.3950	NUM
gujaf-254	347	10	δ	δ	PROPN
gujaf-254	347	11	(	(	PUNCT
gujaf-254	347	12	wt(-1	wt(-1	NOUN
gujaf-254	347	13	)	)	PUNCT
gujaf-254	347	14	)	)	PUNCT
gujaf-254	348	1	0.0010	0.0010	NUM
gujaf-254	348	2	*	*	PUNCT
gujaf-254	348	3	*	*	PUNCT
gujaf-254	348	4	*	*	PROPN
gujaf-254	348	5	0.0017	0.0017	NUM
gujaf-254	348	6	δ	δ	PROPN
gujaf-254	348	7	(	(	PUNCT
gujaf-254	348	8	wt(-2	wt(-2	NOUN
gujaf-254	348	9	)	)	PUNCT
gujaf-254	348	10	)	)	PUNCT
gujaf-254	349	1	0.0016	0.0016	NUM
gujaf-254	349	2	*	*	PUNCT
gujaf-254	349	3	*	*	PUNCT
gujaf-254	349	4	*	*	X
gujaf-254	349	5	0.0000	0.0000	NUM
gujaf-254	349	6	δ	δ	PROPN
gujaf-254	349	7	(	(	PUNCT
gujaf-254	349	8	mt	mt	PROPN
gujaf-254	349	9	)	)	PUNCT
gujaf-254	349	10	0.0122	0.0122	NUM
gujaf-254	349	11	*	*	PUNCT
gujaf-254	349	12	*	*	PUNCT
gujaf-254	349	13	*	*	X
gujaf-254	349	14	0.0016	0.0016	NUM
gujaf-254	349	15	δ	δ	PROPN
gujaf-254	349	16	(	(	PUNCT
gujaf-254	349	17	mt(-1	mt(-1	ADJ
gujaf-254	349	18	)	)	PUNCT
gujaf-254	349	19	)	)	PUNCT
gujaf-254	350	1	0.0175	0.0175	NUM
gujaf-254	350	2	*	*	PUNCT
gujaf-254	350	3	*	*	PUNCT
gujaf-254	350	4	*	*	X
gujaf-254	350	5	0.0000	0.0000	NUM
gujaf-254	350	6	ecm(-1	ecm(-1	ADJ
gujaf-254	350	7	)	)	PUNCT
gujaf-254	350	8	*	*	PUNCT
gujaf-254	350	9	-0.1624	-0.1624	NOUN
gujaf-254	350	10	*	*	PUNCT
gujaf-254	350	11	*	*	PUNCT
gujaf-254	350	12	*	*	X
gujaf-254	350	13	0.0000	0.0000	NUM
gujaf-254	350	14	r	r	X
gujaf-254	350	15	-	-	PUNCT
gujaf-254	350	16	squared	square	VERB
gujaf-254	350	17	0.7424	0.7424	NUM
gujaf-254	350	18	adjusted	adjusted	ADJ
gujaf-254	350	19	r	r	NOUN
gujaf-254	350	20	-	-	PUNCT
gujaf-254	350	21	squared	square	VERB
gujaf-254	350	22	0.7203	0.7203	NUM
gujaf-254	350	23	f	f	X
gujaf-254	350	24	-	-	PUNCT
gujaf-254	350	25	statistic	statistic	NOUN
gujaf-254	350	26	33.62	33.62	NUM
gujaf-254	350	27	prob(f	prob(f	NOUN
gujaf-254	350	28	-	-	PUNCT
gujaf-254	350	29	statistic	statistic	NOUN
gujaf-254	350	30	)	)	PUNCT
gujaf-254	350	31	0.0000	0.0000	NUM
gujaf-254	350	32	d.w	d.w	VERB
gujaf-254	350	33	2.4225	2.4225	NUM
gujaf-254	350	34	200	200	NUM
gujaf-254	350	35	machine	machine	NOUN
gujaf-254	350	36	withdrawals	withdrawal	NOUN
gujaf-254	350	37	will	will	AUX
gujaf-254	350	38	likely	likely	ADV
gujaf-254	350	39	lead	lead	VERB
gujaf-254	350	40	to	to	ADP
gujaf-254	350	41	0	0	NUM
gujaf-254	350	42	.	.	PROPN
gujaf-254	350	43	03	03	NUM
gujaf-254	350	44	and	and	CCONJ
gujaf-254	350	45	0.024	0.024	NUM
gujaf-254	350	46	percent	percent	NOUN
gujaf-254	350	47	decrease	decrease	NOUN
gujaf-254	350	48	in	in	ADP
gujaf-254	350	49	the	the	DET
gujaf-254	350	50	total	total	ADJ
gujaf-254	350	51	savings	saving	NOUN
gujaf-254	350	52	on	on	ADP
gujaf-254	350	53	the	the	DET
gujaf-254	350	54	average	average	NOUN
gujaf-254	350	55	in	in	ADP
gujaf-254	350	56	nigeria	nigeria	PROPN
gujaf-254	350	57	.	.	PUNCT
gujaf-254	351	1	furthermore	furthermore	ADV
gujaf-254	351	2	,	,	PUNCT
gujaf-254	351	3	the	the	DET
gujaf-254	351	4	result	result	NOUN
gujaf-254	351	5	revealed	reveal	VERB
gujaf-254	351	6	that	that	SCONJ
gujaf-254	351	7	point	point	NOUN
gujaf-254	351	8	of	of	ADP
gujaf-254	351	9	sale	sale	NOUN
gujaf-254	351	10	(	(	PUNCT
gujaf-254	351	11	pos	pos	NOUN
gujaf-254	351	12	)	)	PUNCT
gujaf-254	351	13	has	have	VERB
gujaf-254	351	14	a	a	DET
gujaf-254	351	15	positive	positive	ADJ
gujaf-254	351	16	significant	significant	NOUN
gujaf-254	351	17	on	on	ADP
gujaf-254	351	18	total	total	ADJ
gujaf-254	351	19	savings	saving	NOUN
gujaf-254	351	20	(	(	PUNCT
gujaf-254	351	21	β	β	X
gujaf-254	351	22	=	=	NOUN
gujaf-254	351	23	-0.0203	-0.0203	NOUN
gujaf-254	351	24	*	*	PUNCT
gujaf-254	351	25	*	*	PUNCT
gujaf-254	351	26	*	*	PUNCT
gujaf-254	351	27	,	,	PUNCT
gujaf-254	351	28	n	n	PROPN
gujaf-254	351	29	=	=	SYM
gujaf-254	351	30	156	156	NUM
gujaf-254	351	31	,	,	PUNCT
gujaf-254	351	32	p=0.023	p=0.023	NUM
gujaf-254	351	33	)	)	PUNCT
gujaf-254	351	34	at	at	ADP
gujaf-254	351	35	lag	lag	NOUN
gujaf-254	351	36	1	1	NUM
gujaf-254	351	37	and	and	CCONJ
gujaf-254	351	38	negative	negative	ADJ
gujaf-254	351	39	significant	significant	ADJ
gujaf-254	351	40	effect	effect	NOUN
gujaf-254	351	41	on	on	ADP
gujaf-254	351	42	total	total	ADJ
gujaf-254	351	43	savings	saving	NOUN
gujaf-254	351	44	(	(	PUNCT
gujaf-254	351	45	β	β	X
gujaf-254	351	46	=	=	NOUN
gujaf-254	351	47	-0.108	-0.108	X
gujaf-254	351	48	*	*	PUNCT
gujaf-254	351	49	*	*	PUNCT
gujaf-254	351	50	*	*	NOUN
gujaf-254	351	51	,	,	PUNCT
gujaf-254	351	52	n	n	PROPN
gujaf-254	351	53	=	=	SYM
gujaf-254	351	54	156	156	NUM
gujaf-254	351	55	,	,	PUNCT
gujaf-254	351	56	p=0.000	p=0.000	NUM
gujaf-254	351	57	)	)	PUNCT
gujaf-254	351	58	at	at	ADP
gujaf-254	351	59	lag	lag	NOUN
gujaf-254	351	60	2	2	NUM
gujaf-254	351	61	respectively	respectively	ADV
gujaf-254	351	62	.	.	PUNCT
gujaf-254	352	1	the	the	DET
gujaf-254	352	2	result	result	NOUN
gujaf-254	352	3	implies	imply	VERB
gujaf-254	352	4	that	that	SCONJ
gujaf-254	352	5	holding	hold	VERB
gujaf-254	352	6	other	other	ADJ
gujaf-254	352	7	variables	variable	NOUN
gujaf-254	352	8	constant	constant	ADJ
gujaf-254	352	9	,	,	PUNCT
gujaf-254	352	10	a	a	DET
gujaf-254	352	11	1	1	NUM
gujaf-254	352	12	percent	percent	NOUN
gujaf-254	352	13	increase	increase	NOUN
gujaf-254	352	14	in	in	ADP
gujaf-254	352	15	pos	pos	NOUN
gujaf-254	352	16	transactions	transaction	NOUN
gujaf-254	352	17	will	will	AUX
gujaf-254	352	18	likely	likely	ADV
gujaf-254	352	19	raise	raise	VERB
gujaf-254	352	20	the	the	DET
gujaf-254	352	21	total	total	ADJ
gujaf-254	352	22	savings	saving	NOUN
gujaf-254	352	23	by	by	ADP
gujaf-254	352	24	0.02	0.02	NUM
gujaf-254	352	25	at	at	ADP
gujaf-254	352	26	lag	lag	NOUN
gujaf-254	352	27	1	1	NUM
gujaf-254	352	28	but	but	CCONJ
gujaf-254	352	29	reduce	reduce	VERB
gujaf-254	352	30	total	total	ADJ
gujaf-254	352	31	savings	saving	NOUN
gujaf-254	352	32	by	by	ADP
gujaf-254	352	33	0.11	0.11	NUM
gujaf-254	352	34	percent	percent	NOUN
gujaf-254	352	35	at	at	ADP
gujaf-254	352	36	lag	lag	NOUN
gujaf-254	352	37	2	2	NUM
gujaf-254	352	38	on	on	ADP
gujaf-254	352	39	the	the	DET
gujaf-254	352	40	average	average	NOUN
gujaf-254	352	41	in	in	ADP
gujaf-254	352	42	nigeria	nigeria	PROPN
gujaf-254	352	43	.	.	PUNCT
gujaf-254	353	1	the	the	DET
gujaf-254	353	2	result	result	NOUN
gujaf-254	353	3	further	far	ADV
gujaf-254	353	4	revealed	reveal	VERB
gujaf-254	353	5	that	that	SCONJ
gujaf-254	353	6	web	web	NOUN
gujaf-254	353	7	transfer	transfer	NOUN
gujaf-254	353	8	(	(	PUNCT
gujaf-254	353	9	wt	wt	NOUN
gujaf-254	353	10	)	)	PUNCT
gujaf-254	353	11	has	have	VERB
gujaf-254	353	12	a	a	DET
gujaf-254	353	13	positive	positive	ADJ
gujaf-254	353	14	significant	significant	NOUN
gujaf-254	353	15	on	on	ADP
gujaf-254	353	16	total	total	ADJ
gujaf-254	353	17	savings	saving	NOUN
gujaf-254	353	18	(	(	PUNCT
gujaf-254	353	19	β	β	X
gujaf-254	353	20	=	=	NOUN
gujaf-254	353	21	-0.001	-0.001	NOUN
gujaf-254	353	22	*	*	PUNCT
gujaf-254	353	23	*	*	PUNCT
gujaf-254	353	24	*	*	PUNCT
gujaf-254	353	25	,	,	PUNCT
gujaf-254	353	26	n	n	PROPN
gujaf-254	353	27	=	=	SYM
gujaf-254	353	28	156	156	NUM
gujaf-254	353	29	,	,	PUNCT
gujaf-254	353	30	p=0.001	p=0.001	NUM
gujaf-254	353	31	)	)	PUNCT
gujaf-254	353	32	at	at	ADP
gujaf-254	353	33	lag	lag	NOUN
gujaf-254	353	34	1	1	NUM
gujaf-254	353	35	and	and	CCONJ
gujaf-254	353	36	lag2	lag2	PROPN
gujaf-254	353	37	(	(	PUNCT
gujaf-254	353	38	β	β	X
gujaf-254	353	39	=	=	SYM
gujaf-254	353	40	-0.0016	-0.0016	NOUN
gujaf-254	353	41	*	*	PUNCT
gujaf-254	353	42	*	*	PUNCT
gujaf-254	353	43	*	*	PUNCT
gujaf-254	353	44	,	,	PUNCT
gujaf-254	353	45	n	n	PROPN
gujaf-254	353	46	=	=	SYM
gujaf-254	353	47	156	156	NUM
gujaf-254	353	48	,	,	PUNCT
gujaf-254	353	49	p=0.000	p=0.000	NUM
gujaf-254	353	50	)	)	PUNCT
gujaf-254	353	51	.	.	PUNCT
gujaf-254	354	1	the	the	DET
gujaf-254	354	2	result	result	NOUN
gujaf-254	354	3	implies	imply	VERB
gujaf-254	354	4	that	that	SCONJ
gujaf-254	354	5	holding	hold	VERB
gujaf-254	354	6	other	other	ADJ
gujaf-254	354	7	variables	variable	NOUN
gujaf-254	354	8	constant	constant	ADJ
gujaf-254	354	9	,	,	PUNCT
gujaf-254	354	10	a	a	DET
gujaf-254	354	11	1	1	NUM
gujaf-254	354	12	percent	percent	NOUN
gujaf-254	354	13	increase	increase	NOUN
gujaf-254	354	14	in	in	ADP
gujaf-254	354	15	the	the	DET
gujaf-254	354	16	wt	wt	PROPN
gujaf-254	354	17	transactions	transaction	NOUN
gujaf-254	354	18	will	will	AUX
gujaf-254	354	19	likely	likely	ADV
gujaf-254	354	20	raise	raise	VERB
gujaf-254	354	21	the	the	DET
gujaf-254	354	22	total	total	ADJ
gujaf-254	354	23	savings	saving	NOUN
gujaf-254	354	24	by	by	ADP
gujaf-254	354	25	0.01	0.01	NUM
gujaf-254	354	26	and	and	CCONJ
gujaf-254	354	27	0.016	0.016	NUM
gujaf-254	354	28	percent	percent	NOUN
gujaf-254	354	29	on	on	ADP
gujaf-254	354	30	the	the	DET
gujaf-254	354	31	average	average	NOUN
gujaf-254	354	32	in	in	ADP
gujaf-254	354	33	nigeria	nigeria	PROPN
gujaf-254	354	34	.	.	PUNCT
gujaf-254	355	1	the	the	DET
gujaf-254	355	2	result	result	NOUN
gujaf-254	355	3	also	also	ADV
gujaf-254	355	4	revealed	reveal	VERB
gujaf-254	355	5	that	that	SCONJ
gujaf-254	355	6	mobile	mobile	ADJ
gujaf-254	355	7	transfer	transfer	NOUN
gujaf-254	355	8	(	(	PUNCT
gujaf-254	355	9	mt	mt	PROPN
gujaf-254	355	10	)	)	PUNCT
gujaf-254	355	11	has	have	VERB
gujaf-254	355	12	a	a	DET
gujaf-254	355	13	positive	positive	ADJ
gujaf-254	355	14	significant	significant	ADJ
gujaf-254	355	15	effect	effect	NOUN
gujaf-254	355	16	on	on	ADP
gujaf-254	355	17	total	total	ADJ
gujaf-254	355	18	savings	saving	NOUN
gujaf-254	355	19	at	at	ADP
gujaf-254	355	20	lag	lag	NOUN
gujaf-254	355	21	1(β	1(β	NUM
gujaf-254	355	22	=	=	SYM
gujaf-254	355	23	0.012	0.012	NUM
gujaf-254	355	24	*	*	NOUN
gujaf-254	355	25	*	*	PUNCT
gujaf-254	355	26	*	*	NOUN
gujaf-254	355	27	,	,	PUNCT
gujaf-254	355	28	n	n	PROPN
gujaf-254	355	29	=	=	SYM
gujaf-254	355	30	156	156	NUM
gujaf-254	355	31	,	,	PUNCT
gujaf-254	355	32	p=	p=	NOUN
gujaf-254	355	33	0.0001	0.0001	NUM
gujaf-254	355	34	)	)	PUNCT
gujaf-254	355	35	and	and	CCONJ
gujaf-254	355	36	lag	lag	VERB
gujaf-254	355	37	2	2	NUM
gujaf-254	355	38	(	(	PUNCT
gujaf-254	355	39	β	β	X
gujaf-254	355	40	=	=	PUNCT
gujaf-254	355	41	0.017	0.017	NUM
gujaf-254	355	42	*	*	PUNCT
gujaf-254	355	43	*	*	PUNCT
gujaf-254	355	44	*	*	PUNCT
gujaf-254	355	45	,	,	PUNCT
gujaf-254	355	46	n	n	PROPN
gujaf-254	355	47	=	=	SYM
gujaf-254	355	48	156	156	NUM
gujaf-254	355	49	,	,	PUNCT
gujaf-254	355	50	p=	p=	NOUN
gujaf-254	355	51	0.0000	0.0000	NUM
gujaf-254	355	52	)	)	PUNCT
gujaf-254	355	53	respectively	respectively	ADV
gujaf-254	355	54	.	.	PUNCT
gujaf-254	356	1	the	the	DET
gujaf-254	356	2	result	result	NOUN
gujaf-254	356	3	implies	imply	VERB
gujaf-254	356	4	that	that	SCONJ
gujaf-254	356	5	holding	hold	VERB
gujaf-254	356	6	other	other	ADJ
gujaf-254	356	7	variables	variable	NOUN
gujaf-254	356	8	constant	constant	ADJ
gujaf-254	356	9	,	,	PUNCT
gujaf-254	356	10	a	a	DET
gujaf-254	356	11	1	1	NUM
gujaf-254	356	12	percent	percent	NOUN
gujaf-254	356	13	increase	increase	NOUN
gujaf-254	356	14	in	in	ADP
gujaf-254	356	15	the	the	DET
gujaf-254	356	16	mobile	mobile	ADJ
gujaf-254	356	17	transfer	transfer	NOUN
gujaf-254	356	18	transactions	transaction	NOUN
gujaf-254	356	19	will	will	AUX
gujaf-254	356	20	likely	likely	ADV
gujaf-254	356	21	raise	raise	VERB
gujaf-254	356	22	the	the	DET
gujaf-254	356	23	total	total	ADJ
gujaf-254	356	24	savings	saving	NOUN
gujaf-254	356	25	by	by	ADP
gujaf-254	356	26	0.012	0.012	NUM
gujaf-254	356	27	and	and	CCONJ
gujaf-254	356	28	0.017	0.017	NUM
gujaf-254	356	29	percent	percent	NOUN
gujaf-254	356	30	on	on	ADP
gujaf-254	356	31	the	the	DET
gujaf-254	356	32	average	average	NOUN
gujaf-254	356	33	in	in	ADP
gujaf-254	356	34	nigeria	nigeria	PROPN
gujaf-254	356	35	.	.	PUNCT
gujaf-254	357	1	the	the	DET
gujaf-254	357	2	error	error	NOUN
gujaf-254	357	3	correction	correction	NOUN
gujaf-254	357	4	mechanism	mechanism	NOUN
gujaf-254	357	5	(	(	PUNCT
gujaf-254	357	6	ecm	ecm	PROPN
gujaf-254	357	7	)	)	PUNCT
gujaf-254	357	8	,	,	PUNCT
gujaf-254	357	9	for	for	ADP
gujaf-254	357	10	the	the	DET
gujaf-254	357	11	equation	equation	NOUN
gujaf-254	357	12	,	,	PUNCT
gujaf-254	357	13	that	that	ADV
gujaf-254	357	14	is	is	ADV
gujaf-254	357	15	,	,	PUNCT
gujaf-254	357	16	short	short	ADJ
gujaf-254	357	17	-	-	PUNCT
gujaf-254	357	18	run	run	VERB
gujaf-254	357	19	dynamic	dynamic	ADJ
gujaf-254	357	20	adjustment	adjustment	NOUN
gujaf-254	357	21	to	to	ADP
gujaf-254	357	22	long	long	ADJ
gujaf-254	357	23	term	term	NOUN
gujaf-254	357	24	equilibrium	equilibrium	NOUN
gujaf-254	357	25	satisfies	satisfy	VERB
gujaf-254	357	26	the	the	DET
gujaf-254	357	27	a	a	DET
gujaf-254	357	28	priori	priori	ADJ
gujaf-254	357	29	expectations	expectation	NOUN
gujaf-254	357	30	suggesting	suggest	VERB
gujaf-254	357	31	that	that	SCONJ
gujaf-254	357	32	the	the	DET
gujaf-254	357	33	short	short	ADJ
gujaf-254	357	34	-	-	PUNCT
gujaf-254	357	35	run	run	NOUN
gujaf-254	357	36	shocks	shock	NOUN
gujaf-254	357	37	are	be	AUX
gujaf-254	357	38	corrected	correct	VERB
gujaf-254	357	39	annually	annually	ADV
gujaf-254	357	40	at	at	ADP
gujaf-254	357	41	an	an	DET
gujaf-254	357	42	adjustment	adjustment	NOUN
gujaf-254	357	43	speed	speed	NOUN
gujaf-254	357	44	of	of	ADP
gujaf-254	357	45	16.2	16.2	NUM
gujaf-254	357	46	%	%	NOUN
gujaf-254	357	47	.	.	PUNCT
gujaf-254	358	1	during	during	ADP
gujaf-254	358	2	the	the	DET
gujaf-254	358	3	error	error	NOUN
gujaf-254	358	4	correction	correction	NOUN
gujaf-254	358	5	(	(	PUNCT
gujaf-254	358	6	ecm	ecm	PROPN
gujaf-254	358	7	)	)	PUNCT
gujaf-254	358	8	process	process	NOUN
gujaf-254	358	9	,	,	PUNCT
gujaf-254	358	10	inflation	inflation	NOUN
gujaf-254	358	11	was	be	AUX
gujaf-254	358	12	automatically	automatically	ADV
gujaf-254	358	13	filtered	filter	VERB
gujaf-254	358	14	out	out	ADP
gujaf-254	358	15	of	of	ADP
gujaf-254	358	16	the	the	DET
gujaf-254	358	17	model	model	NOUN
gujaf-254	358	18	because	because	SCONJ
gujaf-254	358	19	it	it	PRON
gujaf-254	358	20	was	be	AUX
gujaf-254	358	21	not	not	PART
gujaf-254	358	22	required	require	VERB
gujaf-254	358	23	to	to	PART
gujaf-254	358	24	provide	provide	VERB
gujaf-254	358	25	the	the	DET
gujaf-254	358	26	corrective	corrective	ADJ
gujaf-254	358	27	measure	measure	NOUN
gujaf-254	358	28	to	to	PART
gujaf-254	358	29	enhance	enhance	VERB
gujaf-254	358	30	total	total	ADJ
gujaf-254	358	31	savings	saving	NOUN
gujaf-254	358	32	in	in	ADP
gujaf-254	358	33	nigeria	nigeria	PROPN
gujaf-254	358	34	.	.	PUNCT
gujaf-254	359	1	hence	hence	ADV
gujaf-254	359	2	the	the	DET
gujaf-254	359	3	new	new	ADJ
gujaf-254	359	4	model	model	NOUN
gujaf-254	359	5	becomes	become	VERB
gujaf-254	359	6	thus	thus	ADV
gujaf-254	359	7	:	:	PUNCT
gujaf-254	359	8	δintst	δintst	ADV
gujaf-254	360	1	=	=	SYM
gujaf-254	360	2	β0	β0	PROPN
gujaf-254	360	3	+	+	NUM
gujaf-254	360	4	β1δinatmt	β1δinatmt	NOUN
gujaf-254	360	5	+	+	CCONJ
gujaf-254	360	6	β2δinmtt+β3δinpost	β2δinmtt+β3δinpost	X
gujaf-254	360	7	+	+	ADJ
gujaf-254	360	8	β4δinwtt+γecmt−1+νit	β4δinwtt+γecmt−1+νit	NOUN
gujaf-254	360	9	…	…	SYM
gujaf-254	360	10	…	…	SYM
gujaf-254	360	11	.v	.v	NOUN
gujaf-254	360	12	4.7	4.7	NUM
gujaf-254	360	13	:	:	PUNCT
gujaf-254	360	14	long	long	ADJ
gujaf-254	360	15	-	-	PUNCT
gujaf-254	360	16	run	run	VERB
gujaf-254	360	17	results	result	NOUN
gujaf-254	360	18	table	table	VERB
gujaf-254	360	19	7	7	NUM
gujaf-254	360	20	:	:	PUNCT
gujaf-254	360	21	long	long	ADJ
gujaf-254	360	22	-	-	PUNCT
gujaf-254	360	23	run	run	VERB
gujaf-254	360	24	ardl	ardl	NOUN
gujaf-254	360	25	result	result	NOUN
gujaf-254	360	26	.	.	PUNCT
gujaf-254	361	1	d.	d.	PROPN
gujaf-254	361	2	v.	v.	PROPN
gujaf-254	361	3	:	:	PUNCT
gujaf-254	361	4	ts	ts	ADP
gujaf-254	361	5	variable	variable	ADJ
gujaf-254	361	6	coefficient	coefficient	PROPN
gujaf-254	361	7	prob	prob	PROPN
gujaf-254	361	8	.	.	PUNCT
gujaf-254	361	9	atm	atm	PROPN
gujaf-254	361	10	0.390	0.390	NUM
gujaf-254	361	11	0.000	0.000	NUM
gujaf-254	361	12	pos	pos	NOUN
gujaf-254	361	13	-0.052	-0.052	NUM
gujaf-254	361	14	0.559	0.559	NUM
gujaf-254	361	15	wt	wt	PROPN
gujaf-254	361	16	-0.009	-0.009	NUM
gujaf-254	361	17	0.000	0.000	NUM
gujaf-254	361	18	mt	mt	PROPN
gujaf-254	361	19	-0.054	-0.054	PROPN
gujaf-254	361	20	0.235	0.235	NUM
gujaf-254	361	21	inf	inf	NOUN
gujaf-254	361	22	-383.953	-383.953	PROPN
gujaf-254	361	23	0.826	0.826	NUM
gujaf-254	361	24	source	source	NOUN
gujaf-254	361	25	:	:	PUNCT
gujaf-254	361	26	eviews	eviews	PROPN
gujaf-254	361	27	output	output	NOUN
gujaf-254	361	28	,	,	PUNCT
gujaf-254	361	29	2023	2023	NUM
gujaf-254	361	30	201	201	NUM
gujaf-254	361	31	result	result	NOUN
gujaf-254	361	32	in	in	ADP
gujaf-254	361	33	table	table	NOUN
gujaf-254	361	34	7	7	NUM
gujaf-254	361	35	reveals	reveal	VERB
gujaf-254	361	36	the	the	DET
gujaf-254	361	37	long	long	ADV
gujaf-254	361	38	-	-	PUNCT
gujaf-254	361	39	run	run	VERB
gujaf-254	361	40	ardl	ardl	NOUN
gujaf-254	361	41	result	result	NOUN
gujaf-254	361	42	.	.	PUNCT
gujaf-254	362	1	from	from	ADP
gujaf-254	362	2	the	the	DET
gujaf-254	362	3	result	result	NOUN
gujaf-254	362	4	,	,	PUNCT
gujaf-254	362	5	atm	atm	ADJ
gujaf-254	362	6	transactions	transaction	NOUN
gujaf-254	362	7	have	have	VERB
gujaf-254	362	8	a	a	DET
gujaf-254	362	9	positive	positive	ADJ
gujaf-254	362	10	significant	significant	NOUN
gujaf-254	362	11	(	(	PUNCT
gujaf-254	362	12	β	β	X
gujaf-254	362	13	=	=	SYM
gujaf-254	362	14	0.390	0.390	NUM
gujaf-254	362	15	*	*	PUNCT
gujaf-254	362	16	*	*	PUNCT
gujaf-254	362	17	*	*	NOUN
gujaf-254	362	18	,	,	PUNCT
gujaf-254	362	19	n	n	PROPN
gujaf-254	362	20	=	=	NOUN
gujaf-254	362	21	156	156	NUM
gujaf-254	362	22	,	,	PUNCT
gujaf-254	362	23	p=	p=	NOUN
gujaf-254	362	24	0.000	0.000	NUM
gujaf-254	362	25	)	)	PUNCT
gujaf-254	362	26	long	long	ADV
gujaf-254	362	27	-	-	PUNCT
gujaf-254	362	28	run	run	VERB
gujaf-254	362	29	effect	effect	NOUN
gujaf-254	362	30	on	on	ADP
gujaf-254	362	31	total	total	ADJ
gujaf-254	362	32	savings	saving	NOUN
gujaf-254	362	33	while	while	SCONJ
gujaf-254	362	34	wt	wt	NOUN
gujaf-254	362	35	transactions	transaction	NOUN
gujaf-254	362	36	have	have	VERB
gujaf-254	362	37	a	a	DET
gujaf-254	362	38	negative	negative	ADJ
gujaf-254	362	39	significant	significant	ADJ
gujaf-254	362	40	long	long	ADJ
gujaf-254	362	41	-	-	PUNCT
gujaf-254	362	42	run	run	VERB
gujaf-254	362	43	effect	effect	NOUN
gujaf-254	362	44	on	on	ADP
gujaf-254	362	45	total	total	ADJ
gujaf-254	362	46	savings	saving	NOUN
gujaf-254	362	47	as	as	ADV
gujaf-254	362	48	well	well	ADV
gujaf-254	362	49	(	(	PUNCT
gujaf-254	362	50	β	β	X
gujaf-254	362	51	=	=	PUNCT
gujaf-254	362	52	0.009	0.009	NUM
gujaf-254	362	53	*	*	PUNCT
gujaf-254	362	54	*	*	PUNCT
gujaf-254	362	55	*	*	NOUN
gujaf-254	362	56	,	,	PUNCT
gujaf-254	362	57	n	n	PROPN
gujaf-254	362	58	=	=	NOUN
gujaf-254	362	59	156	156	NUM
gujaf-254	362	60	,	,	PUNCT
gujaf-254	362	61	p=	p=	NOUN
gujaf-254	362	62	0.000	0.000	NUM
gujaf-254	362	63	)	)	PUNCT
gujaf-254	362	64	in	in	ADP
gujaf-254	362	65	nigeria	nigeria	PROPN
gujaf-254	362	66	.	.	PUNCT
gujaf-254	363	1	however	however	ADV
gujaf-254	363	2	,	,	PUNCT
gujaf-254	363	3	mt	mt	PROPN
gujaf-254	363	4	,	,	PUNCT
gujaf-254	363	5	pos	pos	PROPN
gujaf-254	363	6	and	and	CCONJ
gujaf-254	363	7	inf	inf	PROPN
gujaf-254	363	8	were	be	AUX
gujaf-254	363	9	found	find	VERB
gujaf-254	363	10	to	to	PART
gujaf-254	363	11	have	have	VERB
gujaf-254	363	12	no	no	DET
gujaf-254	363	13	long	long	ADV
gujaf-254	363	14	-	-	PUNCT
gujaf-254	363	15	run	run	VERB
gujaf-254	363	16	effect	effect	NOUN
gujaf-254	363	17	on	on	ADP
gujaf-254	363	18	total	total	ADJ
gujaf-254	363	19	savings	saving	NOUN
gujaf-254	363	20	in	in	ADP
gujaf-254	363	21	nigeria	nigeria	PROPN
gujaf-254	363	22	financial	financial	ADJ
gujaf-254	363	23	sector	sector	NOUN
gujaf-254	363	24	.	.	PUNCT
gujaf-254	364	1	4.8	4.8	NUM
gujaf-254	364	2	post	post	NOUN
gujaf-254	364	3	estimation	estimation	NOUN
gujaf-254	364	4	test	test	NOUN
gujaf-254	364	5	:	:	PUNCT
gujaf-254	364	6	post	post	NOUN
gujaf-254	364	7	estimation	estimation	NOUN
gujaf-254	364	8	was	be	AUX
gujaf-254	364	9	also	also	ADV
gujaf-254	364	10	conducted	conduct	VERB
gujaf-254	364	11	to	to	PART
gujaf-254	364	12	determine	determine	VERB
gujaf-254	364	13	the	the	DET
gujaf-254	364	14	reliability	reliability	NOUN
gujaf-254	364	15	of	of	ADP
gujaf-254	364	16	the	the	DET
gujaf-254	364	17	study	study	NOUN
gujaf-254	364	18	.	.	PUNCT
gujaf-254	365	1	a	a	DET
gujaf-254	365	2	serial	serial	ADJ
gujaf-254	365	3	correlation	correlation	NOUN
gujaf-254	365	4	test	test	NOUN
gujaf-254	365	5	and	and	CCONJ
gujaf-254	365	6	heteroscedastic	heteroscedastic	ADJ
gujaf-254	365	7	tests	test	NOUN
gujaf-254	365	8	were	be	AUX
gujaf-254	365	9	conducted	conduct	VERB
gujaf-254	365	10	table	table	NOUN
gujaf-254	365	11	8	8	NUM
gujaf-254	365	12	:	:	PUNCT
gujaf-254	365	13	breusch	breusch	PROPN
gujaf-254	365	14	-	-	PUNCT
gujaf-254	365	15	godfrey	godfrey	NOUN
gujaf-254	365	16	serial	serial	ADJ
gujaf-254	365	17	correlation	correlation	NOUN
gujaf-254	365	18	lm	lm	PROPN
gujaf-254	365	19	test	test	NOUN
gujaf-254	365	20	source	source	NOUN
gujaf-254	365	21	:	:	PUNCT
gujaf-254	365	22	eviews	eviews	PROPN
gujaf-254	365	23	output	output	NOUN
gujaf-254	365	24	,	,	PUNCT
gujaf-254	365	25	2023	2023	NUM
gujaf-254	365	26	table	table	NOUN
gujaf-254	365	27	8	8	NUM
gujaf-254	365	28	above	above	ADP
gujaf-254	365	29	estimated	estimate	VERB
gujaf-254	365	30	how	how	SCONJ
gujaf-254	365	31	much	much	ADJ
gujaf-254	365	32	autocorrelation	autocorrelation	NOUN
gujaf-254	365	33	there	there	PRON
gujaf-254	365	34	was	be	VERB
gujaf-254	365	35	in	in	ADP
gujaf-254	365	36	the	the	DET
gujaf-254	365	37	model	model	NOUN
gujaf-254	365	38	.	.	PUNCT
gujaf-254	366	1	the	the	DET
gujaf-254	366	2	likelihood	likelihood	NOUN
gujaf-254	366	3	value	value	NOUN
gujaf-254	366	4	of	of	ADP
gujaf-254	366	5	the	the	DET
gujaf-254	366	6	f	f	PROPN
gujaf-254	366	7	-	-	PUNCT
gujaf-254	366	8	statistics	statistic	NOUN
gujaf-254	366	9	,	,	PUNCT
gujaf-254	366	10	which	which	PRON
gujaf-254	366	11	assesses	assess	VERB
gujaf-254	366	12	the	the	DET
gujaf-254	366	13	presence	presence	NOUN
gujaf-254	366	14	of	of	ADP
gujaf-254	366	15	auto	auto	NOUN
gujaf-254	366	16	correlation	correlation	NOUN
gujaf-254	366	17	,	,	PUNCT
gujaf-254	366	18	was	be	AUX
gujaf-254	366	19	discovered	discover	VERB
gujaf-254	366	20	to	to	PART
gujaf-254	366	21	be	be	AUX
gujaf-254	366	22	higher	high	ADJ
gujaf-254	366	23	than	than	ADP
gujaf-254	366	24	0.05	0.05	NUM
gujaf-254	366	25	.	.	PUNCT
gujaf-254	367	1	this	this	PRON
gujaf-254	367	2	shows	show	VERB
gujaf-254	367	3	that	that	SCONJ
gujaf-254	367	4	the	the	DET
gujaf-254	367	5	null	null	ADJ
gujaf-254	367	6	hypothesis	hypothesis	NOUN
gujaf-254	367	7	of	of	ADP
gujaf-254	367	8	no	no	DET
gujaf-254	367	9	autocorrelation	autocorrelation	NOUN
gujaf-254	367	10	is	be	AUX
gujaf-254	367	11	accepted	accept	VERB
gujaf-254	367	12	,	,	PUNCT
gujaf-254	367	13	and	and	CCONJ
gujaf-254	367	14	we	we	PRON
gujaf-254	367	15	draw	draw	VERB
gujaf-254	367	16	the	the	DET
gujaf-254	367	17	conclusion	conclusion	NOUN
gujaf-254	367	18	that	that	SCONJ
gujaf-254	367	19	the	the	DET
gujaf-254	367	20	model	model	NOUN
gujaf-254	367	21	is	be	AUX
gujaf-254	367	22	free	free	ADJ
gujaf-254	367	23	of	of	ADP
gujaf-254	367	24	the	the	DET
gujaf-254	367	25	autocorrelation	autocorrelation	NOUN
gujaf-254	367	26	problem	problem	NOUN
gujaf-254	367	27	.	.	PUNCT
gujaf-254	368	1	table	table	NOUN
gujaf-254	368	2	9	9	NUM
gujaf-254	368	3	:	:	PUNCT
gujaf-254	368	4	heteroskedasticity	heteroskedasticity	NOUN
gujaf-254	368	5	test	test	NOUN
gujaf-254	368	6	:	:	PUNCT
gujaf-254	368	7	breusch	breusch	ADJ
gujaf-254	368	8	-	-	PUNCT
gujaf-254	368	9	pagan	pagan	ADJ
gujaf-254	368	10	-	-	PUNCT
gujaf-254	368	11	godfrey	godfrey	NOUN
gujaf-254	368	12	f	f	PROPN
gujaf-254	368	13	-	-	PUNCT
gujaf-254	368	14	statistic	statistic	VERB
gujaf-254	368	15	1.8656	1.8656	NUM
gujaf-254	368	16	prob	prob	NOUN
gujaf-254	368	17	.	.	PUNCT
gujaf-254	369	1	f(9,145	f(9,145	NOUN
gujaf-254	369	2	)	)	PUNCT
gujaf-254	369	3	0.0615	0.0615	NUM
gujaf-254	369	4	obs*r	obs*r	NOUN
gujaf-254	369	5	-	-	PUNCT
gujaf-254	369	6	squared	square	VERB
gujaf-254	369	7	16.0858	16.0858	NUM
gujaf-254	369	8	prob	prob	NOUN
gujaf-254	369	9	.	.	PUNCT
gujaf-254	370	1	chi	chi	ADJ
gujaf-254	370	2	-	-	PUNCT
gujaf-254	370	3	square	square	ADJ
gujaf-254	370	4	(	(	PUNCT
gujaf-254	370	5	9	9	NUM
gujaf-254	370	6	)	)	PUNCT
gujaf-254	370	7	0.0651	0.0651	NUM
gujaf-254	370	8	scaled	scale	VERB
gujaf-254	370	9	explained	explain	VERB
gujaf-254	370	10	ss	ss	PROPN
gujaf-254	370	11	758.9186	758.9186	NUM
gujaf-254	370	12	prob	prob	NOUN
gujaf-254	370	13	.	.	PUNCT
gujaf-254	371	1	chi	chi	ADJ
gujaf-254	371	2	-	-	PUNCT
gujaf-254	371	3	square	square	ADJ
gujaf-254	371	4	(	(	PUNCT
gujaf-254	371	5	9	9	NUM
gujaf-254	371	6	)	)	PUNCT
gujaf-254	371	7	0.0000	0.0000	NUM
gujaf-254	371	8	source	source	NOUN
gujaf-254	371	9	:	:	PUNCT
gujaf-254	371	10	eviews	eviews	PROPN
gujaf-254	371	11	output	output	VERB
gujaf-254	371	12	,	,	PUNCT
gujaf-254	371	13	2023	2023	NUM
gujaf-254	371	14	the	the	DET
gujaf-254	371	15	existence	existence	NOUN
gujaf-254	371	16	of	of	ADP
gujaf-254	371	17	unequal	unequal	ADJ
gujaf-254	371	18	variance	variance	NOUN
gujaf-254	371	19	among	among	ADP
gujaf-254	371	20	the	the	DET
gujaf-254	371	21	explanatory	explanatory	ADJ
gujaf-254	371	22	variables	variable	NOUN
gujaf-254	371	23	was	be	AUX
gujaf-254	371	24	evaluated	evaluate	VERB
gujaf-254	371	25	using	use	VERB
gujaf-254	371	26	the	the	DET
gujaf-254	371	27	breusch	breusch	ADV
gujaf-254	371	28	-	-	PUNCT
gujaf-254	371	29	pagan	pagan	VERB
gujaf-254	371	30	-	-	PUNCT
gujaf-254	371	31	godfrey	godfrey	PROPN
gujaf-254	371	32	heteroskedasticity	heteroskedasticity	NOUN
gujaf-254	371	33	test	test	NOUN
gujaf-254	371	34	.	.	PUNCT
gujaf-254	372	1	the	the	DET
gujaf-254	372	2	results	result	NOUN
gujaf-254	372	3	show	show	VERB
gujaf-254	372	4	that	that	SCONJ
gujaf-254	372	5	both	both	CCONJ
gujaf-254	372	6	the	the	DET
gujaf-254	372	7	f	f	NOUN
gujaf-254	372	8	-	-	PUNCT
gujaf-254	372	9	distribution	distribution	NOUN
gujaf-254	372	10	(	(	PUNCT
gujaf-254	372	11	test	test	NOUN
gujaf-254	372	12	statistic	statistic	NOUN
gujaf-254	372	13	=	=	PUNCT
gujaf-254	372	14	1.866	1.866	NUM
gujaf-254	372	15	and	and	CCONJ
gujaf-254	372	16	p	p	NOUN
gujaf-254	372	17	-	-	PUNCT
gujaf-254	372	18	value	value	NOUN
gujaf-254	372	19	=	=	NOUN
gujaf-254	372	20	0.062	0.062	NUM
gujaf-254	372	21	)	)	PUNCT
gujaf-254	372	22	and	and	CCONJ
gujaf-254	372	23	the	the	DET
gujaf-254	372	24	r2	r2	PROPN
gujaf-254	372	25	(	(	PUNCT
gujaf-254	372	26	test	test	NOUN
gujaf-254	372	27	statistic	statistic	NOUN
gujaf-254	372	28	=	=	SYM
gujaf-254	372	29	16.086	16.086	NUM
gujaf-254	372	30	and	and	CCONJ
gujaf-254	372	31	p	p	NOUN
gujaf-254	372	32	-	-	PUNCT
gujaf-254	372	33	value	value	NOUN
gujaf-254	372	34	=	=	NOUN
gujaf-254	372	35	0.065	0.065	NUM
gujaf-254	372	36	)	)	PUNCT
gujaf-254	372	37	indicate	indicate	VERB
gujaf-254	372	38	that	that	SCONJ
gujaf-254	372	39	we	we	PRON
gujaf-254	372	40	do	do	AUX
gujaf-254	372	41	not	not	PART
gujaf-254	372	42	reject	reject	VERB
gujaf-254	372	43	the	the	DET
gujaf-254	372	44	null	null	ADJ
gujaf-254	372	45	hypothesis	hypothesis	NOUN
gujaf-254	372	46	hence	hence	ADV
gujaf-254	372	47	,	,	PUNCT
gujaf-254	372	48	the	the	DET
gujaf-254	372	49	study	study	NOUN
gujaf-254	372	50	concludes	conclude	VERB
gujaf-254	372	51	that	that	SCONJ
gujaf-254	372	52	there	there	PRON
gujaf-254	372	53	is	be	VERB
gujaf-254	372	54	no	no	DET
gujaf-254	372	55	heteroscedasticity	heteroscedasticity	NOUN
gujaf-254	372	56	problem	problem	NOUN
gujaf-254	372	57	in	in	ADP
gujaf-254	372	58	the	the	DET
gujaf-254	372	59	model	model	NOUN
gujaf-254	372	60	.	.	PUNCT
gujaf-254	373	1	4.10	4.10	NUM
gujaf-254	373	2	discussion	discussion	NOUN
gujaf-254	373	3	and	and	CCONJ
gujaf-254	373	4	implications	implication	NOUN
gujaf-254	373	5	of	of	ADP
gujaf-254	373	6	findings	finding	NOUN
gujaf-254	373	7	the	the	DET
gujaf-254	373	8	study	study	NOUN
gujaf-254	373	9	investigates	investigate	VERB
gujaf-254	373	10	the	the	DET
gujaf-254	373	11	influence	influence	NOUN
gujaf-254	373	12	of	of	ADP
gujaf-254	373	13	digital	digital	ADJ
gujaf-254	373	14	financial	financial	ADJ
gujaf-254	373	15	services	service	NOUN
gujaf-254	373	16	on	on	ADP
gujaf-254	373	17	savings	saving	NOUN
gujaf-254	373	18	in	in	ADP
gujaf-254	373	19	nigeria	nigeria	PROPN
gujaf-254	373	20	.	.	PUNCT
gujaf-254	374	1	pre	pre	ADJ
gujaf-254	374	2	-	-	ADJ
gujaf-254	374	3	estimation	estimation	ADJ
gujaf-254	374	4	checks	check	NOUN
gujaf-254	374	5	were	be	AUX
gujaf-254	374	6	conducted	conduct	VERB
gujaf-254	374	7	to	to	PART
gujaf-254	374	8	ensure	ensure	VERB
gujaf-254	374	9	accuracy	accuracy	NOUN
gujaf-254	374	10	and	and	CCONJ
gujaf-254	374	11	f	f	X
gujaf-254	374	12	-	-	PUNCT
gujaf-254	374	13	statistic	statistic	ADJ
gujaf-254	374	14	0.3448	0.3448	NUM
gujaf-254	374	15	prob	prob	NOUN
gujaf-254	374	16	.	.	PUNCT
gujaf-254	375	1	f	f	PROPN
gujaf-254	375	2	(	(	PUNCT
gujaf-254	375	3	2,138	2,138	NUM
gujaf-254	375	4	)	)	PUNCT
gujaf-254	375	5	0.7090	0.7090	NUM
gujaf-254	375	6	obs*r	obs*r	PROPN
gujaf-254	375	7	-	-	PUNCT
gujaf-254	375	8	squared	square	VERB
gujaf-254	375	9	0.7607	0.7607	NUM
gujaf-254	375	10	prob	prob	NOUN
gujaf-254	375	11	.	.	PUNCT
gujaf-254	376	1	chi	chi	ADJ
gujaf-254	376	2	-	-	PUNCT
gujaf-254	376	3	square	square	ADJ
gujaf-254	376	4	(	(	PUNCT
gujaf-254	376	5	2	2	NUM
gujaf-254	376	6	)	)	PUNCT
gujaf-254	376	7	0.6836	0.6836	NUM
gujaf-254	376	8	202	202	NUM
gujaf-254	376	9	dependability	dependability	NOUN
gujaf-254	376	10	of	of	ADP
gujaf-254	376	11	the	the	DET
gujaf-254	376	12	results	result	NOUN
gujaf-254	376	13	.	.	PUNCT
gujaf-254	377	1	the	the	DET
gujaf-254	377	2	results	result	NOUN
gujaf-254	377	3	reveal	reveal	VERB
gujaf-254	377	4	that	that	SCONJ
gujaf-254	377	5	74	74	NUM
gujaf-254	377	6	percent	percent	NOUN
gujaf-254	377	7	of	of	ADP
gujaf-254	377	8	the	the	DET
gujaf-254	377	9	variability	variability	NOUN
gujaf-254	377	10	within	within	ADP
gujaf-254	377	11	the	the	DET
gujaf-254	377	12	dependent	dependent	ADJ
gujaf-254	377	13	variable	variable	NOUN
gujaf-254	377	14	is	be	AUX
gujaf-254	377	15	explained	explain	VERB
gujaf-254	377	16	by	by	ADP
gujaf-254	377	17	the	the	DET
gujaf-254	377	18	explanatory	explanatory	ADJ
gujaf-254	377	19	variables	variable	NOUN
gujaf-254	377	20	.	.	PUNCT
gujaf-254	378	1	this	this	PRON
gujaf-254	378	2	underscores	underscore	VERB
gujaf-254	378	3	the	the	DET
gujaf-254	378	4	robustness	robustness	NOUN
gujaf-254	378	5	of	of	ADP
gujaf-254	378	6	the	the	DET
gujaf-254	378	7	model	model	NOUN
gujaf-254	378	8	in	in	ADP
gujaf-254	378	9	capturing	capture	VERB
gujaf-254	378	10	the	the	DET
gujaf-254	378	11	dynamics	dynamic	NOUN
gujaf-254	378	12	between	between	ADP
gujaf-254	378	13	digital	digital	ADJ
gujaf-254	378	14	financial	financial	ADJ
gujaf-254	378	15	services	service	NOUN
gujaf-254	378	16	and	and	CCONJ
gujaf-254	378	17	savings	saving	NOUN
gujaf-254	378	18	within	within	ADP
gujaf-254	378	19	the	the	DET
gujaf-254	378	20	financial	financial	ADJ
gujaf-254	378	21	sector	sector	NOUN
gujaf-254	378	22	.	.	PUNCT
gujaf-254	379	1	the	the	DET
gujaf-254	379	2	study	study	NOUN
gujaf-254	379	3	established	establish	VERB
gujaf-254	379	4	that	that	SCONJ
gujaf-254	379	5	atm	atm	PROPN
gujaf-254	379	6	transactions	transaction	NOUN
gujaf-254	379	7	had	have	VERB
gujaf-254	379	8	a	a	DET
gujaf-254	379	9	negative	negative	ADJ
gujaf-254	379	10	significant	significant	ADJ
gujaf-254	379	11	influence	influence	NOUN
gujaf-254	379	12	on	on	ADP
gujaf-254	379	13	the	the	DET
gujaf-254	379	14	total	total	ADJ
gujaf-254	379	15	savings	saving	NOUN
gujaf-254	379	16	in	in	ADP
gujaf-254	379	17	nigeria	nigeria	PROPN
gujaf-254	379	18	's	's	PART
gujaf-254	379	19	financial	financial	ADJ
gujaf-254	379	20	sector	sector	NOUN
gujaf-254	379	21	.	.	PUNCT
gujaf-254	380	1	this	this	DET
gujaf-254	380	2	observation	observation	NOUN
gujaf-254	380	3	is	be	AUX
gujaf-254	380	4	coherent	coherent	ADJ
gujaf-254	380	5	with	with	ADP
gujaf-254	380	6	the	the	DET
gujaf-254	380	7	notion	notion	NOUN
gujaf-254	380	8	that	that	SCONJ
gujaf-254	380	9	increased	increase	VERB
gujaf-254	380	10	atm	atm	NOUN
gujaf-254	380	11	transactions	transaction	NOUN
gujaf-254	380	12	might	might	AUX
gujaf-254	380	13	contribute	contribute	VERB
gujaf-254	380	14	to	to	ADP
gujaf-254	380	15	a	a	DET
gujaf-254	380	16	reduction	reduction	NOUN
gujaf-254	380	17	in	in	ADP
gujaf-254	380	18	the	the	DET
gujaf-254	380	19	overall	overall	ADJ
gujaf-254	380	20	savings	saving	NOUN
gujaf-254	380	21	within	within	ADP
gujaf-254	380	22	the	the	DET
gujaf-254	380	23	financial	financial	ADJ
gujaf-254	380	24	sector	sector	NOUN
gujaf-254	380	25	.	.	PUNCT
gujaf-254	381	1	this	this	DET
gujaf-254	381	2	phenomenon	phenomenon	NOUN
gujaf-254	381	3	can	can	AUX
gujaf-254	381	4	be	be	AUX
gujaf-254	381	5	attributed	attribute	VERB
gujaf-254	381	6	to	to	ADP
gujaf-254	381	7	the	the	DET
gujaf-254	381	8	enhanced	enhanced	ADJ
gujaf-254	381	9	accessibility	accessibility	NOUN
gujaf-254	381	10	that	that	PRON
gujaf-254	381	11	increased	increase	VERB
gujaf-254	381	12	atm	atm	NOUN
gujaf-254	381	13	transactions	transaction	NOUN
gujaf-254	381	14	and	and	CCONJ
gujaf-254	381	15	provide	provide	VERB
gujaf-254	381	16	individuals	individual	NOUN
gujaf-254	381	17	to	to	ADP
gujaf-254	381	18	basic	basic	ADJ
gujaf-254	381	19	banking	banking	NOUN
gujaf-254	381	20	services	service	NOUN
gujaf-254	381	21	.	.	PUNCT
gujaf-254	382	1	furthermore	furthermore	ADV
gujaf-254	382	2	,	,	PUNCT
gujaf-254	382	3	a	a	DET
gujaf-254	382	4	negative	negative	ADJ
gujaf-254	382	5	correlation	correlation	NOUN
gujaf-254	382	6	between	between	ADP
gujaf-254	382	7	atm	atm	NOUN
gujaf-254	382	8	transactions	transaction	NOUN
gujaf-254	382	9	and	and	CCONJ
gujaf-254	382	10	total	total	ADJ
gujaf-254	382	11	savings	saving	NOUN
gujaf-254	382	12	in	in	ADP
gujaf-254	382	13	the	the	DET
gujaf-254	382	14	financial	financial	ADJ
gujaf-254	382	15	sector	sector	NOUN
gujaf-254	382	16	can	can	AUX
gujaf-254	382	17	be	be	AUX
gujaf-254	382	18	rationalized	rationalize	VERB
gujaf-254	382	19	through	through	ADP
gujaf-254	382	20	behavioral	behavioral	ADJ
gujaf-254	382	21	and	and	CCONJ
gujaf-254	382	22	economic	economic	ADJ
gujaf-254	382	23	considerations	consideration	NOUN
gujaf-254	382	24	.	.	PUNCT
gujaf-254	383	1	specifically	specifically	ADV
gujaf-254	383	2	,	,	PUNCT
gujaf-254	383	3	atm	atm	ADJ
gujaf-254	383	4	transactions	transaction	NOUN
gujaf-254	383	5	often	often	ADV
gujaf-254	383	6	encompass	encompass	VERB
gujaf-254	383	7	cash	cash	NOUN
gujaf-254	383	8	withdrawals	withdrawal	NOUN
gujaf-254	383	9	that	that	PRON
gujaf-254	383	10	cater	cater	VERB
gujaf-254	383	11	to	to	ADP
gujaf-254	383	12	immediate	immediate	ADJ
gujaf-254	383	13	consumption	consumption	NOUN
gujaf-254	383	14	needs	need	NOUN
gujaf-254	383	15	.	.	PUNCT
gujaf-254	384	1	in	in	ADP
gujaf-254	384	2	instances	instance	NOUN
gujaf-254	384	3	where	where	SCONJ
gujaf-254	384	4	individuals	individual	NOUN
gujaf-254	384	5	habitually	habitually	ADV
gujaf-254	384	6	withdraw	withdraw	VERB
gujaf-254	384	7	cash	cash	NOUN
gujaf-254	384	8	for	for	ADP
gujaf-254	384	9	day	day	NOUN
gujaf-254	384	10	-	-	PUNCT
gujaf-254	384	11	to	to	ADP
gujaf-254	384	12	-	-	PUNCT
gujaf-254	384	13	day	day	NOUN
gujaf-254	384	14	expenditures	expenditure	NOUN
gujaf-254	384	15	,	,	PUNCT
gujaf-254	384	16	their	their	PRON
gujaf-254	384	17	allocation	allocation	NOUN
gujaf-254	384	18	toward	toward	ADP
gujaf-254	384	19	savings	saving	NOUN
gujaf-254	384	20	could	could	AUX
gujaf-254	384	21	consequently	consequently	ADV
gujaf-254	384	22	diminish	diminish	VERB
gujaf-254	384	23	.	.	PUNCT
gujaf-254	385	1	this	this	DET
gujaf-254	385	2	behavioral	behavioral	ADJ
gujaf-254	385	3	tendency	tendency	NOUN
gujaf-254	385	4	can	can	AUX
gujaf-254	385	5	indeed	indeed	ADV
gujaf-254	385	6	establish	establish	VERB
gujaf-254	385	7	a	a	DET
gujaf-254	385	8	negative	negative	ADJ
gujaf-254	385	9	relationship	relationship	NOUN
gujaf-254	385	10	between	between	ADP
gujaf-254	385	11	atm	atm	NOUN
gujaf-254	385	12	transactions	transaction	NOUN
gujaf-254	385	13	and	and	CCONJ
gujaf-254	385	14	total	total	ADJ
gujaf-254	385	15	savings	saving	NOUN
gujaf-254	385	16	.	.	PUNCT
gujaf-254	386	1	the	the	DET
gujaf-254	386	2	findings	findings	PROPN
gujaf-254	386	3	support	support	VERB
gujaf-254	386	4	yu	yu	PROPN
gujaf-254	386	5	,	,	PUNCT
gujaf-254	386	6	jia	jia	PROPN
gujaf-254	386	7	,	,	PUNCT
gujaf-254	386	8	li	li	PROPN
gujaf-254	386	9	,	,	PUNCT
gujaf-254	386	10	and	and	CCONJ
gujaf-254	386	11	wu	wu	PROPN
gujaf-254	386	12	(	(	PUNCT
gujaf-254	386	13	2022	2022	NUM
gujaf-254	386	14	)	)	PUNCT
gujaf-254	386	15	’s	’s	PART
gujaf-254	386	16	findings	finding	NOUN
gujaf-254	386	17	that	that	SCONJ
gujaf-254	386	18	digital	digital	ADJ
gujaf-254	386	19	financial	financial	ADJ
gujaf-254	386	20	technologies	technology	NOUN
gujaf-254	386	21	tend	tend	VERB
gujaf-254	386	22	to	to	PART
gujaf-254	386	23	elevate	elevate	VERB
gujaf-254	386	24	consumption	consumption	NOUN
gujaf-254	386	25	levels	level	NOUN
gujaf-254	386	26	.	.	PUNCT
gujaf-254	387	1	thus	thus	ADV
gujaf-254	387	2	,	,	PUNCT
gujaf-254	387	3	if	if	SCONJ
gujaf-254	387	4	consumption	consumption	NOUN
gujaf-254	387	5	is	be	AUX
gujaf-254	387	6	on	on	ADP
gujaf-254	387	7	the	the	DET
gujaf-254	387	8	increase	increase	NOUN
gujaf-254	387	9	,	,	PUNCT
gujaf-254	387	10	there	there	PRON
gujaf-254	387	11	is	be	VERB
gujaf-254	387	12	likely	likely	ADJ
gujaf-254	387	13	to	to	PART
gujaf-254	387	14	be	be	AUX
gujaf-254	387	15	a	a	DET
gujaf-254	387	16	decrease	decrease	NOUN
gujaf-254	387	17	in	in	ADP
gujaf-254	387	18	total	total	ADJ
gujaf-254	387	19	savings	saving	NOUN
gujaf-254	387	20	(	(	PUNCT
gujaf-254	387	21	peng	peng	PROPN
gujaf-254	387	22	&	&	CCONJ
gujaf-254	387	23	mao	mao	PROPN
gujaf-254	387	24	,	,	PUNCT
gujaf-254	387	25	2023	2023	NUM
gujaf-254	387	26	)	)	PUNCT
gujaf-254	387	27	.	.	PUNCT
gujaf-254	388	1	it	it	PRON
gujaf-254	388	2	is	be	AUX
gujaf-254	388	3	imperative	imperative	ADJ
gujaf-254	388	4	for	for	SCONJ
gujaf-254	388	5	atms	atms	PROPN
gujaf-254	388	6	to	to	PART
gujaf-254	388	7	be	be	AUX
gujaf-254	388	8	modified	modify	VERB
gujaf-254	388	9	to	to	PART
gujaf-254	388	10	encourage	encourage	VERB
gujaf-254	388	11	savings	saving	NOUN
gujaf-254	388	12	.	.	PUNCT
gujaf-254	389	1	however	however	ADV
gujaf-254	389	2	,	,	PUNCT
gujaf-254	389	3	in	in	ADP
gujaf-254	389	4	the	the	DET
gujaf-254	389	5	long	long	ADV
gujaf-254	389	6	-	-	PUNCT
gujaf-254	389	7	run	run	NOUN
gujaf-254	389	8	,	,	PUNCT
gujaf-254	389	9	atm	atm	PROPN
gujaf-254	389	10	had	have	VERB
gujaf-254	389	11	a	a	DET
gujaf-254	389	12	positive	positive	ADJ
gujaf-254	389	13	effect	effect	NOUN
gujaf-254	389	14	on	on	ADP
gujaf-254	389	15	savings	saving	NOUN
gujaf-254	389	16	.	.	PUNCT
gujaf-254	390	1	this	this	PRON
gujaf-254	390	2	implies	imply	VERB
gujaf-254	390	3	that	that	SCONJ
gujaf-254	390	4	in	in	ADP
gujaf-254	390	5	the	the	DET
gujaf-254	390	6	long	long	ADV
gujaf-254	390	7	-	-	PUNCT
gujaf-254	390	8	run	run	NOUN
gujaf-254	390	9	,	,	PUNCT
gujaf-254	390	10	atm	atm	ADV
gujaf-254	390	11	is	be	AUX
gujaf-254	390	12	expected	expect	VERB
gujaf-254	390	13	to	to	PART
gujaf-254	390	14	contribute	contribute	VERB
gujaf-254	390	15	to	to	PART
gujaf-254	390	16	increase	increase	VERB
gujaf-254	390	17	in	in	ADP
gujaf-254	390	18	savings	saving	NOUN
gujaf-254	390	19	due	due	ADJ
gujaf-254	390	20	to	to	ADP
gujaf-254	390	21	probable	probable	ADJ
gujaf-254	390	22	change	change	NOUN
gujaf-254	390	23	in	in	ADP
gujaf-254	390	24	the	the	DET
gujaf-254	390	25	financial	financial	ADJ
gujaf-254	390	26	behaviour	behaviour	NOUN
gujaf-254	390	27	of	of	ADP
gujaf-254	390	28	consumers	consumer	NOUN
gujaf-254	390	29	towards	towards	ADP
gujaf-254	390	30	their	their	PRON
gujaf-254	390	31	savings	saving	NOUN
gujaf-254	390	32	and	and	CCONJ
gujaf-254	390	33	withdrawal	withdrawal	NOUN
gujaf-254	390	34	patterns	pattern	NOUN
gujaf-254	390	35	.	.	PUNCT
gujaf-254	391	1	in	in	ADP
gujaf-254	391	2	addition	addition	NOUN
gujaf-254	391	3	,	,	PUNCT
gujaf-254	391	4	the	the	DET
gujaf-254	391	5	study	study	NOUN
gujaf-254	391	6	found	find	VERB
gujaf-254	391	7	that	that	SCONJ
gujaf-254	391	8	mobile	mobile	ADJ
gujaf-254	391	9	transfer	transfer	NOUN
gujaf-254	391	10	(	(	PUNCT
gujaf-254	391	11	mt	mt	PROPN
gujaf-254	391	12	)	)	PUNCT
gujaf-254	391	13	,	,	PUNCT
gujaf-254	391	14	point	point	NOUN
gujaf-254	391	15	of	of	ADP
gujaf-254	391	16	sales	sale	NOUN
gujaf-254	391	17	(	(	PUNCT
gujaf-254	391	18	pos	pos	NOUN
gujaf-254	391	19	)	)	PUNCT
gujaf-254	391	20	and	and	CCONJ
gujaf-254	391	21	web	web	NOUN
gujaf-254	391	22	transfer	transfer	NOUN
gujaf-254	391	23	(	(	PUNCT
gujaf-254	391	24	wt	wt	NOUN
gujaf-254	391	25	)	)	PUNCT
gujaf-254	391	26	had	have	VERB
gujaf-254	391	27	a	a	DET
gujaf-254	391	28	positive	positive	ADJ
gujaf-254	391	29	significant	significant	ADJ
gujaf-254	391	30	effect	effect	NOUN
gujaf-254	391	31	on	on	ADP
gujaf-254	391	32	total	total	ADJ
gujaf-254	391	33	savings	saving	NOUN
gujaf-254	391	34	in	in	ADP
gujaf-254	391	35	the	the	DET
gujaf-254	391	36	short	short	ADJ
gujaf-254	391	37	run	run	NOUN
gujaf-254	391	38	.	.	PUNCT
gujaf-254	392	1	the	the	DET
gujaf-254	392	2	positive	positive	ADJ
gujaf-254	392	3	and	and	CCONJ
gujaf-254	392	4	significant	significant	ADJ
gujaf-254	392	5	impact	impact	NOUN
gujaf-254	392	6	of	of	ADP
gujaf-254	392	7	these	these	DET
gujaf-254	392	8	digital	digital	ADJ
gujaf-254	392	9	indicators	indicator	NOUN
gujaf-254	392	10	on	on	ADP
gujaf-254	392	11	total	total	ADJ
gujaf-254	392	12	savings	saving	NOUN
gujaf-254	392	13	suggests	suggest	VERB
gujaf-254	392	14	that	that	SCONJ
gujaf-254	392	15	the	the	DET
gujaf-254	392	16	adoption	adoption	NOUN
gujaf-254	392	17	and	and	CCONJ
gujaf-254	392	18	utilization	utilization	NOUN
gujaf-254	392	19	of	of	ADP
gujaf-254	392	20	digital	digital	ADJ
gujaf-254	392	21	financial	financial	ADJ
gujaf-254	392	22	services	service	NOUN
gujaf-254	392	23	contribute	contribute	VERB
gujaf-254	392	24	positively	positively	ADV
gujaf-254	392	25	to	to	ADP
gujaf-254	392	26	the	the	DET
gujaf-254	392	27	overall	overall	ADJ
gujaf-254	392	28	savings	saving	NOUN
gujaf-254	392	29	culture	culture	NOUN
gujaf-254	392	30	in	in	ADP
gujaf-254	392	31	the	the	DET
gujaf-254	392	32	financial	financial	ADJ
gujaf-254	392	33	sector	sector	NOUN
gujaf-254	392	34	.	.	PUNCT
gujaf-254	393	1	this	this	PRON
gujaf-254	393	2	implies	imply	VERB
gujaf-254	393	3	that	that	SCONJ
gujaf-254	393	4	individuals	individual	NOUN
gujaf-254	393	5	who	who	PRON
gujaf-254	393	6	engage	engage	VERB
gujaf-254	393	7	in	in	ADP
gujaf-254	393	8	mobile	mobile	ADJ
gujaf-254	393	9	money	money	NOUN
gujaf-254	393	10	transactions	transaction	NOUN
gujaf-254	393	11	are	be	AUX
gujaf-254	393	12	not	not	PART
gujaf-254	393	13	only	only	ADV
gujaf-254	393	14	utilizing	utilize	VERB
gujaf-254	393	15	digital	digital	ADJ
gujaf-254	393	16	financial	financial	ADJ
gujaf-254	393	17	services	service	NOUN
gujaf-254	393	18	for	for	ADP
gujaf-254	393	19	transactions	transaction	NOUN
gujaf-254	393	20	but	but	CCONJ
gujaf-254	393	21	also	also	ADV
gujaf-254	393	22	leveraging	leverage	VERB
gujaf-254	393	23	them	they	PRON
gujaf-254	393	24	to	to	PART
gujaf-254	393	25	enhance	enhance	VERB
gujaf-254	393	26	their	their	PRON
gujaf-254	393	27	savings	saving	NOUN
gujaf-254	393	28	habits	habit	NOUN
gujaf-254	393	29	.	.	PUNCT
gujaf-254	394	1	this	this	PRON
gujaf-254	394	2	could	could	AUX
gujaf-254	394	3	potentially	potentially	ADV
gujaf-254	394	4	advance	advance	VERB
gujaf-254	394	5	financial	financial	ADJ
gujaf-254	394	6	inclusion	inclusion	NOUN
gujaf-254	394	7	by	by	ADP
gujaf-254	394	8	providing	provide	VERB
gujaf-254	394	9	individuals	individual	NOUN
gujaf-254	394	10	with	with	ADP
gujaf-254	394	11	accessible	accessible	ADJ
gujaf-254	394	12	and	and	CCONJ
gujaf-254	394	13	convenient	convenient	ADJ
gujaf-254	394	14	tools	tool	NOUN
gujaf-254	394	15	to	to	PART
gujaf-254	394	16	save	save	VERB
gujaf-254	394	17	and	and	CCONJ
gujaf-254	394	18	manage	manage	VERB
gujaf-254	394	19	their	their	PRON
gujaf-254	394	20	finances	finance	NOUN
gujaf-254	394	21	.	.	PUNCT
gujaf-254	395	1	furthermore	furthermore	ADV
gujaf-254	395	2	,	,	PUNCT
gujaf-254	395	3	the	the	DET
gujaf-254	395	4	finding	finding	NOUN
gujaf-254	395	5	highlights	highlight	VERB
gujaf-254	395	6	the	the	DET
gujaf-254	395	7	role	role	NOUN
gujaf-254	395	8	of	of	ADP
gujaf-254	395	9	technology	technology	NOUN
gujaf-254	395	10	,	,	PUNCT
gujaf-254	395	11	particularly	particularly	ADV
gujaf-254	395	12	mobile	mobile	ADJ
gujaf-254	395	13	platforms	platform	NOUN
gujaf-254	395	14	,	,	PUNCT
gujaf-254	395	15	in	in	ADP
gujaf-254	395	16	promoting	promote	VERB
gujaf-254	395	17	savings	saving	NOUN
gujaf-254	395	18	behavior	behavior	NOUN
gujaf-254	395	19	(	(	PUNCT
gujaf-254	395	20	akinrinola	akinrinola	INTJ
gujaf-254	395	21	et	et	PROPN
gujaf-254	395	22	al	al	PROPN
gujaf-254	395	23	.	.	PROPN
gujaf-254	395	24	,	,	PUNCT
gujaf-254	395	25	2023	2023	NUM
gujaf-254	395	26	)	)	PUNCT
gujaf-254	395	27	.	.	PUNCT
gujaf-254	396	1	as	as	ADP
gujaf-254	396	2	more	more	ADJ
gujaf-254	396	3	individuals	individual	NOUN
gujaf-254	396	4	use	use	VERB
gujaf-254	396	5	digital	digital	ADJ
gujaf-254	396	6	financial	financial	ADJ
gujaf-254	396	7	platforms	platform	NOUN
gujaf-254	396	8	for	for	ADP
gujaf-254	396	9	transactions	transaction	NOUN
gujaf-254	396	10	,	,	PUNCT
gujaf-254	396	11	they	they	PRON
gujaf-254	396	12	are	be	AUX
gujaf-254	396	13	also	also	ADV
gujaf-254	396	14	leveraging	leverage	VERB
gujaf-254	396	15	these	these	DET
gujaf-254	396	16	platforms	platform	NOUN
gujaf-254	396	17	to	to	PART
gujaf-254	396	18	set	set	VERB
gujaf-254	396	19	aside	aside	ADP
gujaf-254	396	20	funds	fund	NOUN
gujaf-254	396	21	for	for	ADP
gujaf-254	396	22	future	future	ADJ
gujaf-254	396	23	needs	need	NOUN
gujaf-254	396	24	.	.	PUNCT
gujaf-254	397	1	this	this	PRON
gujaf-254	397	2	underscores	underscore	VERB
gujaf-254	397	3	the	the	DET
gujaf-254	397	4	203	203	NUM
gujaf-254	397	5	transformative	transformative	ADJ
gujaf-254	397	6	potential	potential	NOUN
gujaf-254	397	7	of	of	ADP
gujaf-254	397	8	digital	digital	ADJ
gujaf-254	397	9	financial	financial	ADJ
gujaf-254	397	10	services	service	NOUN
gujaf-254	397	11	in	in	ADP
gujaf-254	397	12	reshaping	reshape	VERB
gujaf-254	397	13	traditional	traditional	ADJ
gujaf-254	397	14	savings	saving	NOUN
gujaf-254	397	15	practices	practice	NOUN
gujaf-254	397	16	.	.	PUNCT
gujaf-254	398	1	moreover	moreover	ADV
gujaf-254	398	2	,	,	PUNCT
gujaf-254	398	3	the	the	DET
gujaf-254	398	4	positive	positive	ADJ
gujaf-254	398	5	effect	effect	NOUN
gujaf-254	398	6	of	of	ADP
gujaf-254	398	7	mt	mt	PROPN
gujaf-254	398	8	on	on	ADP
gujaf-254	398	9	total	total	ADJ
gujaf-254	398	10	savings	saving	NOUN
gujaf-254	398	11	suggests	suggest	VERB
gujaf-254	398	12	a	a	DET
gujaf-254	398	13	shift	shift	NOUN
gujaf-254	398	14	in	in	ADP
gujaf-254	398	15	consumer	consumer	NOUN
gujaf-254	398	16	behavior	behavior	NOUN
gujaf-254	398	17	towards	towards	ADP
gujaf-254	398	18	more	more	ADV
gujaf-254	398	19	disciplined	disciplined	ADJ
gujaf-254	398	20	savings	saving	NOUN
gujaf-254	398	21	practices	practice	NOUN
gujaf-254	398	22	.	.	PUNCT
gujaf-254	399	1	mobile	mobile	ADJ
gujaf-254	399	2	transfer	transfer	NOUN
gujaf-254	399	3	transactions	transaction	NOUN
gujaf-254	399	4	may	may	AUX
gujaf-254	399	5	provide	provide	VERB
gujaf-254	399	6	users	user	NOUN
gujaf-254	399	7	with	with	ADP
gujaf-254	399	8	features	feature	NOUN
gujaf-254	399	9	such	such	ADJ
gujaf-254	399	10	as	as	ADP
gujaf-254	399	11	automated	automate	VERB
gujaf-254	399	12	transfers	transfer	NOUN
gujaf-254	399	13	or	or	CCONJ
gujaf-254	399	14	designated	designate	VERB
gujaf-254	399	15	savings	saving	NOUN
gujaf-254	399	16	accounts	account	NOUN
gujaf-254	399	17	,	,	PUNCT
gujaf-254	399	18	thereby	thereby	ADV
gujaf-254	399	19	facilitating	facilitate	VERB
gujaf-254	399	20	a	a	DET
gujaf-254	399	21	structured	structured	ADJ
gujaf-254	399	22	approach	approach	NOUN
gujaf-254	399	23	to	to	ADP
gujaf-254	399	24	saving	save	VERB
gujaf-254	399	25	.	.	PUNCT
gujaf-254	400	1	the	the	DET
gujaf-254	400	2	study	study	NOUN
gujaf-254	400	3	's	's	PART
gujaf-254	400	4	findings	finding	NOUN
gujaf-254	400	5	align	align	VERB
gujaf-254	400	6	harmoniously	harmoniously	ADV
gujaf-254	400	7	with	with	ADP
gujaf-254	400	8	previous	previous	ADJ
gujaf-254	400	9	research	research	NOUN
gujaf-254	400	10	,	,	PUNCT
gujaf-254	400	11	reaffirming	reaffirm	VERB
gujaf-254	400	12	the	the	DET
gujaf-254	400	13	pivotal	pivotal	ADJ
gujaf-254	400	14	role	role	NOUN
gujaf-254	400	15	of	of	ADP
gujaf-254	400	16	digital	digital	ADJ
gujaf-254	400	17	financial	financial	ADJ
gujaf-254	400	18	services	service	NOUN
gujaf-254	400	19	in	in	ADP
gujaf-254	400	20	shaping	shape	VERB
gujaf-254	400	21	consumer	consumer	NOUN
gujaf-254	400	22	behavior	behavior	NOUN
gujaf-254	400	23	.	.	PUNCT
gujaf-254	401	1	for	for	ADP
gujaf-254	401	2	instance	instance	NOUN
gujaf-254	401	3	,	,	PUNCT
gujaf-254	401	4	li	li	PROPN
gujaf-254	401	5	,	,	PUNCT
gujaf-254	401	6	wu	wu	PROPN
gujaf-254	401	7	,	,	PUNCT
gujaf-254	401	8	and	and	CCONJ
gujaf-254	401	9	xiao	xiao	PROPN
gujaf-254	401	10	(	(	PUNCT
gujaf-254	401	11	2020	2020	NUM
gujaf-254	401	12	)	)	PUNCT
gujaf-254	401	13	examined	examine	VERB
gujaf-254	401	14	the	the	DET
gujaf-254	401	15	impact	impact	NOUN
gujaf-254	401	16	of	of	ADP
gujaf-254	401	17	digital	digital	ADJ
gujaf-254	401	18	finance	finance	NOUN
gujaf-254	401	19	on	on	ADP
gujaf-254	401	20	the	the	DET
gujaf-254	401	21	household	household	NOUN
gujaf-254	401	22	consumption	consumption	NOUN
gujaf-254	401	23	level	level	NOUN
gujaf-254	401	24	in	in	ADP
gujaf-254	401	25	china	china	PROPN
gujaf-254	401	26	.	.	PUNCT
gujaf-254	402	1	their	their	PRON
gujaf-254	402	2	findings	finding	NOUN
gujaf-254	402	3	unveiled	unveil	VERB
gujaf-254	402	4	a	a	DET
gujaf-254	402	5	noteworthy	noteworthy	ADJ
gujaf-254	402	6	enhancement	enhancement	NOUN
gujaf-254	402	7	of	of	ADP
gujaf-254	402	8	household	household	NOUN
gujaf-254	402	9	consumption	consumption	NOUN
gujaf-254	402	10	owing	owe	VERB
gujaf-254	402	11	to	to	ADP
gujaf-254	402	12	the	the	DET
gujaf-254	402	13	adoption	adoption	NOUN
gujaf-254	402	14	of	of	ADP
gujaf-254	402	15	digital	digital	ADJ
gujaf-254	402	16	financial	financial	ADJ
gujaf-254	402	17	services	service	NOUN
gujaf-254	402	18	.	.	PUNCT
gujaf-254	403	1	this	this	PRON
gujaf-254	403	2	resonates	resonate	VERB
gujaf-254	403	3	with	with	ADP
gujaf-254	403	4	the	the	DET
gujaf-254	403	5	current	current	ADJ
gujaf-254	403	6	study	study	NOUN
gujaf-254	403	7	,	,	PUNCT
gujaf-254	403	8	accentuating	accentuate	VERB
gujaf-254	403	9	the	the	DET
gujaf-254	403	10	capacity	capacity	NOUN
gujaf-254	403	11	of	of	ADP
gujaf-254	403	12	digital	digital	ADJ
gujaf-254	403	13	financial	financial	ADJ
gujaf-254	403	14	tools	tool	NOUN
gujaf-254	403	15	to	to	PART
gujaf-254	403	16	elevate	elevate	VERB
gujaf-254	403	17	consumption	consumption	NOUN
gujaf-254	403	18	patterns	pattern	NOUN
gujaf-254	403	19	within	within	ADP
gujaf-254	403	20	households	household	NOUN
gujaf-254	403	21	.	.	PUNCT
gujaf-254	404	1	in	in	ADP
gujaf-254	404	2	a	a	DET
gujaf-254	404	3	related	related	ADJ
gujaf-254	404	4	development	development	NOUN
gujaf-254	404	5	,	,	PUNCT
gujaf-254	404	6	varlamova	varlamova	PROPN
gujaf-254	404	7	,	,	PUNCT
gujaf-254	404	8	larionova	larionova	PROPN
gujaf-254	404	9	,	,	PUNCT
gujaf-254	404	10	and	and	CCONJ
gujaf-254	404	11	zulfakarova	zulfakarova	PROPN
gujaf-254	404	12	(	(	PUNCT
gujaf-254	404	13	2020	2020	NUM
gujaf-254	404	14	)	)	PUNCT
gujaf-254	404	15	embarked	embark	VERB
gujaf-254	404	16	on	on	ADP
gujaf-254	404	17	an	an	DET
gujaf-254	404	18	exploration	exploration	NOUN
gujaf-254	404	19	of	of	ADP
gujaf-254	404	20	the	the	DET
gujaf-254	404	21	influence	influence	NOUN
gujaf-254	404	22	of	of	ADP
gujaf-254	404	23	digital	digital	ADJ
gujaf-254	404	24	technologies	technology	NOUN
gujaf-254	404	25	on	on	ADP
gujaf-254	404	26	savings	saving	NOUN
gujaf-254	404	27	behavior	behavior	NOUN
gujaf-254	404	28	.	.	PUNCT
gujaf-254	405	1	their	their	PRON
gujaf-254	405	2	investigations	investigation	NOUN
gujaf-254	405	3	unearthed	unearth	VERB
gujaf-254	405	4	a	a	DET
gujaf-254	405	5	robustly	robustly	ADV
gujaf-254	405	6	positive	positive	ADJ
gujaf-254	405	7	and	and	CCONJ
gujaf-254	405	8	significant	significant	ADJ
gujaf-254	405	9	effect	effect	NOUN
gujaf-254	405	10	,	,	PUNCT
gujaf-254	405	11	underscoring	underscore	VERB
gujaf-254	405	12	the	the	DET
gujaf-254	405	13	potency	potency	NOUN
gujaf-254	405	14	of	of	ADP
gujaf-254	405	15	digital	digital	ADJ
gujaf-254	405	16	interventions	intervention	NOUN
gujaf-254	405	17	in	in	ADP
gujaf-254	405	18	nurturing	nurture	VERB
gujaf-254	405	19	a	a	DET
gujaf-254	405	20	culture	culture	NOUN
gujaf-254	405	21	of	of	ADP
gujaf-254	405	22	savings	saving	NOUN
gujaf-254	405	23	.	.	PUNCT
gujaf-254	406	1	this	this	DET
gujaf-254	406	2	consonance	consonance	NOUN
gujaf-254	406	3	with	with	ADP
gujaf-254	406	4	the	the	DET
gujaf-254	406	5	current	current	ADJ
gujaf-254	406	6	study	study	NOUN
gujaf-254	406	7	reinforces	reinforce	VERB
gujaf-254	406	8	the	the	DET
gujaf-254	406	9	notion	notion	NOUN
gujaf-254	406	10	that	that	SCONJ
gujaf-254	406	11	digital	digital	ADJ
gujaf-254	406	12	financial	financial	ADJ
gujaf-254	406	13	tools	tool	NOUN
gujaf-254	406	14	can	can	AUX
gujaf-254	406	15	contribute	contribute	VERB
gujaf-254	406	16	to	to	ADP
gujaf-254	406	17	a	a	DET
gujaf-254	406	18	positive	positive	ADJ
gujaf-254	406	19	shift	shift	NOUN
gujaf-254	406	20	in	in	ADP
gujaf-254	406	21	individual	individual	ADJ
gujaf-254	406	22	savings	saving	NOUN
gujaf-254	406	23	behaviors	behavior	NOUN
gujaf-254	406	24	.	.	PUNCT
gujaf-254	407	1	moenjak	moenjak	ADV
gujaf-254	407	2	,	,	PUNCT
gujaf-254	407	3	kongrprajya	kongrprajya	ADJ
gujaf-254	407	4	,	,	PUNCT
gujaf-254	407	5	and	and	CCONJ
gujaf-254	407	6	monchaitrakul	monchaitrakul	VERB
gujaf-254	407	7	,	,	PUNCT
gujaf-254	407	8	(	(	PUNCT
gujaf-254	407	9	2020	2020	NUM
gujaf-254	407	10	)	)	PUNCT
gujaf-254	407	11	examined	examine	VERB
gujaf-254	407	12	the	the	DET
gujaf-254	407	13	multifaceted	multifaceted	ADJ
gujaf-254	407	14	impact	impact	NOUN
gujaf-254	407	15	of	of	ADP
gujaf-254	407	16	financial	financial	ADJ
gujaf-254	407	17	technology	technology	NOUN
gujaf-254	407	18	on	on	ADP
gujaf-254	407	19	consumer	consumer	NOUN
gujaf-254	407	20	savings	saving	NOUN
gujaf-254	407	21	and	and	CCONJ
gujaf-254	407	22	borrowing	borrowing	NOUN
gujaf-254	407	23	practices	practice	NOUN
gujaf-254	407	24	in	in	ADP
gujaf-254	407	25	thai	thai	ADJ
gujaf-254	407	26	landscape	landscape	NOUN
gujaf-254	407	27	and	and	CCONJ
gujaf-254	407	28	found	find	VERB
gujaf-254	407	29	that	that	SCONJ
gujaf-254	407	30	digital	digital	ADJ
gujaf-254	407	31	financial	financial	ADJ
gujaf-254	407	32	technologies	technology	NOUN
gujaf-254	407	33	fostered	foster	VERB
gujaf-254	407	34	heightened	heighten	VERB
gujaf-254	407	35	overhead	overhead	ADJ
gujaf-254	407	36	expenses	expense	NOUN
gujaf-254	407	37	among	among	ADP
gujaf-254	407	38	individuals	individual	NOUN
gujaf-254	407	39	.	.	PUNCT
gujaf-254	408	1	their	their	PRON
gujaf-254	408	2	findings	finding	NOUN
gujaf-254	408	3	contribute	contribute	VERB
gujaf-254	408	4	a	a	DET
gujaf-254	408	5	distinctive	distinctive	ADJ
gujaf-254	408	6	layer	layer	NOUN
gujaf-254	408	7	to	to	ADP
gujaf-254	408	8	the	the	DET
gujaf-254	408	9	evolving	evolve	VERB
gujaf-254	408	10	landscape	landscape	NOUN
gujaf-254	408	11	of	of	ADP
gujaf-254	408	12	digital	digital	ADJ
gujaf-254	408	13	financial	financial	ADJ
gujaf-254	408	14	adoption	adoption	NOUN
gujaf-254	408	15	.	.	PUNCT
gujaf-254	409	1	moreover	moreover	ADV
gujaf-254	409	2	,	,	PUNCT
gujaf-254	409	3	the	the	DET
gujaf-254	409	4	insights	insight	NOUN
gujaf-254	409	5	of	of	ADP
gujaf-254	409	6	he	he	PRON
gujaf-254	409	7	and	and	CCONJ
gujaf-254	409	8	song	song	NOUN
gujaf-254	409	9	(	(	PUNCT
gujaf-254	409	10	2020	2020	NUM
gujaf-254	409	11	)	)	PUNCT
gujaf-254	409	12	resonate	resonate	VERB
gujaf-254	409	13	harmonically	harmonically	ADV
gujaf-254	409	14	with	with	ADP
gujaf-254	409	15	the	the	DET
gujaf-254	409	16	present	present	ADJ
gujaf-254	409	17	study	study	NOUN
gujaf-254	409	18	.	.	PUNCT
gujaf-254	410	1	their	their	PRON
gujaf-254	410	2	exploration	exploration	NOUN
gujaf-254	410	3	into	into	ADP
gujaf-254	410	4	the	the	DET
gujaf-254	410	5	impact	impact	NOUN
gujaf-254	410	6	of	of	ADP
gujaf-254	410	7	digital	digital	ADJ
gujaf-254	410	8	finance	finance	NOUN
gujaf-254	410	9	on	on	ADP
gujaf-254	410	10	household	household	NOUN
gujaf-254	410	11	consumption	consumption	NOUN
gujaf-254	410	12	supports	support	VERB
gujaf-254	410	13	findings	finding	NOUN
gujaf-254	410	14	.	.	PUNCT
gujaf-254	411	1	the	the	DET
gujaf-254	411	2	synergies	synergy	NOUN
gujaf-254	411	3	between	between	ADP
gujaf-254	411	4	their	their	PRON
gujaf-254	411	5	observations	observation	NOUN
gujaf-254	411	6	and	and	CCONJ
gujaf-254	411	7	the	the	DET
gujaf-254	411	8	current	current	ADJ
gujaf-254	411	9	study	study	NOUN
gujaf-254	411	10	reinforce	reinforce	VERB
gujaf-254	411	11	the	the	DET
gujaf-254	411	12	consistency	consistency	NOUN
gujaf-254	411	13	of	of	ADP
gujaf-254	411	14	the	the	DET
gujaf-254	411	15	positive	positive	ADJ
gujaf-254	411	16	correlation	correlation	NOUN
gujaf-254	411	17	between	between	ADP
gujaf-254	411	18	digital	digital	ADJ
gujaf-254	411	19	financial	financial	ADJ
gujaf-254	411	20	services	service	NOUN
gujaf-254	411	21	and	and	CCONJ
gujaf-254	411	22	consumer	consumer	NOUN
gujaf-254	411	23	behavior	behavior	NOUN
gujaf-254	411	24	.	.	PUNCT
gujaf-254	412	1	these	these	DET
gujaf-254	412	2	studies	study	NOUN
gujaf-254	412	3	underscore	underscore	VERB
gujaf-254	412	4	the	the	DET
gujaf-254	412	5	transformative	transformative	ADJ
gujaf-254	412	6	impact	impact	NOUN
gujaf-254	412	7	of	of	ADP
gujaf-254	412	8	digital	digital	ADJ
gujaf-254	412	9	financial	financial	ADJ
gujaf-254	412	10	services	service	NOUN
gujaf-254	412	11	on	on	ADP
gujaf-254	412	12	diverse	diverse	ADJ
gujaf-254	412	13	aspects	aspect	NOUN
gujaf-254	412	14	of	of	ADP
gujaf-254	412	15	consumer	consumer	NOUN
gujaf-254	412	16	conduct	conduct	NOUN
gujaf-254	412	17	.	.	PUNCT
gujaf-254	413	1	the	the	DET
gujaf-254	413	2	echoing	echo	VERB
gujaf-254	413	3	sentiment	sentiment	NOUN
gujaf-254	413	4	across	across	ADP
gujaf-254	413	5	these	these	DET
gujaf-254	413	6	studies	study	NOUN
gujaf-254	413	7	underscores	underscore	VERB
gujaf-254	413	8	the	the	DET
gujaf-254	413	9	pervasiveness	pervasiveness	NOUN
gujaf-254	413	10	and	and	CCONJ
gujaf-254	413	11	validity	validity	NOUN
gujaf-254	413	12	of	of	ADP
gujaf-254	413	13	the	the	DET
gujaf-254	413	14	symbiotic	symbiotic	ADJ
gujaf-254	413	15	relationship	relationship	NOUN
gujaf-254	413	16	between	between	ADP
gujaf-254	413	17	digital	digital	ADJ
gujaf-254	413	18	finance	finance	NOUN
gujaf-254	413	19	and	and	CCONJ
gujaf-254	413	20	evolving	evolve	VERB
gujaf-254	413	21	consumer	consumer	NOUN
gujaf-254	413	22	dynamics	dynamic	NOUN
gujaf-254	413	23	.	.	PUNCT
gujaf-254	414	1	2	2	X
gujaf-254	414	2	.	.	X
gujaf-254	414	3	conclusion	conclusion	NOUN
gujaf-254	414	4	and	and	CCONJ
gujaf-254	414	5	recommendations	recommendation	NOUN
gujaf-254	414	6	this	this	DET
gujaf-254	414	7	study	study	NOUN
gujaf-254	414	8	examined	examine	VERB
gujaf-254	414	9	the	the	DET
gujaf-254	414	10	dynamics	dynamic	NOUN
gujaf-254	414	11	between	between	ADP
gujaf-254	414	12	dfs	dfs	PROPN
gujaf-254	414	13	and	and	CCONJ
gujaf-254	414	14	savings	saving	NOUN
gujaf-254	414	15	development	development	NOUN
gujaf-254	414	16	in	in	ADP
gujaf-254	414	17	nigeria	nigeria	PROPN
gujaf-254	414	18	.	.	PUNCT
gujaf-254	415	1	the	the	DET
gujaf-254	415	2	findings	finding	NOUN
gujaf-254	415	3	shed	shed	VERB
gujaf-254	415	4	light	light	NOUN
gujaf-254	415	5	on	on	ADP
gujaf-254	415	6	distinct	distinct	ADJ
gujaf-254	415	7	relationships	relationship	NOUN
gujaf-254	415	8	that	that	PRON
gujaf-254	415	9	underscore	underscore	VERB
gujaf-254	415	10	the	the	DET
gujaf-254	415	11	transformative	transformative	ADJ
gujaf-254	415	12	impact	impact	NOUN
gujaf-254	415	13	of	of	ADP
gujaf-254	415	14	digital	digital	ADJ
gujaf-254	415	15	finance	finance	NOUN
gujaf-254	415	16	on	on	ADP
gujaf-254	415	17	individual	individual	ADJ
gujaf-254	415	18	financial	financial	ADJ
gujaf-254	415	19	behaviors	behavior	NOUN
gujaf-254	415	20	.	.	PUNCT
gujaf-254	416	1	firstly	firstly	ADV
gujaf-254	416	2	,	,	PUNCT
gujaf-254	416	3	the	the	DET
gujaf-254	416	4	study	study	NOUN
gujaf-254	416	5	revealed	reveal	VERB
gujaf-254	416	6	a	a	DET
gujaf-254	416	7	negative	negative	ADJ
gujaf-254	416	8	effect	effect	NOUN
gujaf-254	416	9	of	of	ADP
gujaf-254	416	10	atm	atm	NOUN
gujaf-254	416	11	transactions	transaction	NOUN
gujaf-254	416	12	on	on	ADP
gujaf-254	416	13	total	total	ADJ
gujaf-254	416	14	savings	saving	NOUN
gujaf-254	416	15	within	within	ADP
gujaf-254	416	16	204	204	NUM
gujaf-254	416	17	the	the	DET
gujaf-254	416	18	financial	financial	ADJ
gujaf-254	416	19	sector	sector	NOUN
gujaf-254	416	20	in	in	ADP
gujaf-254	416	21	the	the	DET
gujaf-254	416	22	short	short	ADJ
gujaf-254	416	23	run	run	NOUN
gujaf-254	416	24	.	.	PUNCT
gujaf-254	417	1	this	this	DET
gujaf-254	417	2	intriguing	intriguing	ADJ
gujaf-254	417	3	observation	observation	NOUN
gujaf-254	417	4	suggests	suggest	VERB
gujaf-254	417	5	that	that	SCONJ
gujaf-254	417	6	increased	increase	VERB
gujaf-254	417	7	atm	atm	NOUN
gujaf-254	417	8	transactions	transaction	NOUN
gujaf-254	417	9	correspond	correspond	VERB
gujaf-254	417	10	to	to	ADP
gujaf-254	417	11	a	a	DET
gujaf-254	417	12	reduction	reduction	NOUN
gujaf-254	417	13	in	in	ADP
gujaf-254	417	14	overall	overall	ADJ
gujaf-254	417	15	savings	saving	NOUN
gujaf-254	417	16	.	.	PUNCT
gujaf-254	418	1	this	this	PRON
gujaf-254	418	2	could	could	AUX
gujaf-254	418	3	be	be	AUX
gujaf-254	418	4	attributed	attribute	VERB
gujaf-254	418	5	to	to	ADP
gujaf-254	418	6	the	the	DET
gujaf-254	418	7	immediate	immediate	ADJ
gujaf-254	418	8	and	and	CCONJ
gujaf-254	418	9	consumptive	consumptive	ADJ
gujaf-254	418	10	nature	nature	NOUN
gujaf-254	418	11	of	of	ADP
gujaf-254	418	12	cash	cash	NOUN
gujaf-254	418	13	withdrawals	withdrawal	NOUN
gujaf-254	418	14	facilitated	facilitate	VERB
gujaf-254	418	15	by	by	ADP
gujaf-254	418	16	atms	atms	NOUN
gujaf-254	418	17	,	,	PUNCT
gujaf-254	418	18	where	where	SCONJ
gujaf-254	418	19	individuals	individual	NOUN
gujaf-254	418	20	prioritize	prioritize	AUX
gujaf-254	418	21	meeting	meet	VERB
gujaf-254	418	22	day	day	NOUN
gujaf-254	418	23	-	-	PUNCT
gujaf-254	418	24	to	to	ADP
gujaf-254	418	25	-	-	PUNCT
gujaf-254	418	26	day	day	NOUN
gujaf-254	418	27	expenses	expense	NOUN
gujaf-254	418	28	over	over	ADP
gujaf-254	418	29	long	long	ADJ
gujaf-254	418	30	-	-	PUNCT
gujaf-254	418	31	term	term	NOUN
gujaf-254	418	32	savings	saving	NOUN
gujaf-254	418	33	commitments	commitment	NOUN
gujaf-254	418	34	.	.	PUNCT
gujaf-254	419	1	however	however	ADV
gujaf-254	419	2	,	,	PUNCT
gujaf-254	419	3	in	in	ADP
gujaf-254	419	4	the	the	DET
gujaf-254	419	5	long	long	ADV
gujaf-254	419	6	-	-	PUNCT
gujaf-254	419	7	run	run	NOUN
gujaf-254	419	8	,	,	PUNCT
gujaf-254	419	9	atm	atm	ADV
gujaf-254	419	10	has	have	VERB
gujaf-254	419	11	a	a	DET
gujaf-254	419	12	positive	positive	ADJ
gujaf-254	419	13	effect	effect	NOUN
gujaf-254	419	14	on	on	ADP
gujaf-254	419	15	total	total	ADJ
gujaf-254	419	16	savings	saving	NOUN
gujaf-254	419	17	.	.	PUNCT
gujaf-254	420	1	conversely	conversely	ADV
gujaf-254	420	2	,	,	PUNCT
gujaf-254	420	3	the	the	DET
gujaf-254	420	4	study	study	NOUN
gujaf-254	420	5	unveiled	unveil	VERB
gujaf-254	420	6	a	a	DET
gujaf-254	420	7	positive	positive	ADJ
gujaf-254	420	8	effect	effect	NOUN
gujaf-254	420	9	of	of	ADP
gujaf-254	420	10	mt	mt	PROPN
gujaf-254	420	11	,	,	PUNCT
gujaf-254	420	12	pos	pos	PROPN
gujaf-254	420	13	,	,	PUNCT
gujaf-254	420	14	and	and	CCONJ
gujaf-254	420	15	wt	wt	PROPN
gujaf-254	420	16	transactions	transaction	NOUN
gujaf-254	420	17	on	on	ADP
gujaf-254	420	18	total	total	ADJ
gujaf-254	420	19	savings	saving	NOUN
gujaf-254	420	20	in	in	ADP
gujaf-254	420	21	the	the	DET
gujaf-254	420	22	short	short	ADJ
gujaf-254	420	23	-	-	PUNCT
gujaf-254	420	24	run	run	NOUN
gujaf-254	420	25	while	while	SCONJ
gujaf-254	420	26	wt	wt	PROPN
gujaf-254	420	27	had	have	VERB
gujaf-254	420	28	a	a	DET
gujaf-254	420	29	negative	negative	ADJ
gujaf-254	420	30	long	long	ADJ
gujaf-254	420	31	-	-	PUNCT
gujaf-254	420	32	run	run	VERB
gujaf-254	420	33	effect	effect	NOUN
gujaf-254	420	34	.	.	PUNCT
gujaf-254	421	1	whereas	whereas	SCONJ
gujaf-254	421	2	,	,	PUNCT
gujaf-254	421	3	mt	mt	PROPN
gujaf-254	421	4	and	and	CCONJ
gujaf-254	421	5	pos	pos	PROPN
gujaf-254	421	6	had	have	VERB
gujaf-254	421	7	no	no	DET
gujaf-254	421	8	long	long	ADV
gujaf-254	421	9	-	-	PUNCT
gujaf-254	421	10	run	run	VERB
gujaf-254	421	11	effect	effect	NOUN
gujaf-254	421	12	on	on	ADP
gujaf-254	421	13	total	total	ADJ
gujaf-254	421	14	savings	saving	NOUN
gujaf-254	421	15	.	.	PUNCT
gujaf-254	422	1	the	the	DET
gujaf-254	422	2	propensity	propensity	NOUN
gujaf-254	422	3	of	of	ADP
gujaf-254	422	4	mobile	mobile	ADJ
gujaf-254	422	5	financial	financial	ADJ
gujaf-254	422	6	services	service	NOUN
gujaf-254	422	7	to	to	PART
gujaf-254	422	8	enhance	enhance	VERB
gujaf-254	422	9	savings	saving	NOUN
gujaf-254	422	10	behavior	behavior	NOUN
gujaf-254	422	11	becomes	become	VERB
gujaf-254	422	12	evident	evident	ADJ
gujaf-254	422	13	as	as	SCONJ
gujaf-254	422	14	individuals	individual	NOUN
gujaf-254	422	15	leverage	leverage	VERB
gujaf-254	422	16	these	these	DET
gujaf-254	422	17	platforms	platform	NOUN
gujaf-254	422	18	not	not	PART
gujaf-254	422	19	solely	solely	ADV
gujaf-254	422	20	for	for	ADP
gujaf-254	422	21	transactions	transaction	NOUN
gujaf-254	422	22	but	but	CCONJ
gujaf-254	422	23	also	also	ADV
gujaf-254	422	24	as	as	SCONJ
gujaf-254	422	25	mechanisms	mechanism	NOUN
gujaf-254	422	26	to	to	PART
gujaf-254	422	27	bolster	bolster	VERB
gujaf-254	422	28	their	their	PRON
gujaf-254	422	29	savings	saving	NOUN
gujaf-254	422	30	habits	habit	NOUN
gujaf-254	422	31	.	.	PUNCT
gujaf-254	423	1	together	together	ADV
gujaf-254	423	2	,	,	PUNCT
gujaf-254	423	3	these	these	DET
gujaf-254	423	4	findings	finding	NOUN
gujaf-254	423	5	demonstrated	demonstrate	VERB
gujaf-254	423	6	the	the	DET
gujaf-254	423	7	multifaceted	multifaceted	ADJ
gujaf-254	423	8	impact	impact	NOUN
gujaf-254	423	9	of	of	ADP
gujaf-254	423	10	digital	digital	ADJ
gujaf-254	423	11	financial	financial	ADJ
gujaf-254	423	12	services	service	NOUN
gujaf-254	423	13	on	on	ADP
gujaf-254	423	14	the	the	DET
gujaf-254	423	15	savings	saving	NOUN
gujaf-254	423	16	landscape	landscape	NOUN
gujaf-254	423	17	in	in	ADP
gujaf-254	423	18	nigeria	nigeria	PROPN
gujaf-254	423	19	’s	’s	PART
gujaf-254	423	20	financial	financial	ADJ
gujaf-254	423	21	sector	sector	NOUN
gujaf-254	423	22	.	.	PUNCT
gujaf-254	424	1	the	the	DET
gujaf-254	424	2	study	study	NOUN
gujaf-254	424	3	's	's	PART
gujaf-254	424	4	insights	insight	NOUN
gujaf-254	424	5	resonate	resonate	VERB
gujaf-254	424	6	with	with	ADP
gujaf-254	424	7	the	the	DET
gujaf-254	424	8	broader	broad	ADJ
gujaf-254	424	9	global	global	ADJ
gujaf-254	424	10	narrative	narrative	NOUN
gujaf-254	424	11	of	of	ADP
gujaf-254	424	12	digital	digital	ADJ
gujaf-254	424	13	finance	finance	NOUN
gujaf-254	424	14	as	as	ADP
gujaf-254	424	15	a	a	DET
gujaf-254	424	16	catalyst	catalyst	NOUN
gujaf-254	424	17	for	for	ADP
gujaf-254	424	18	reshaping	reshape	VERB
gujaf-254	424	19	consumer	consumer	NOUN
gujaf-254	424	20	financial	financial	ADJ
gujaf-254	424	21	behaviors	behavior	NOUN
gujaf-254	424	22	.	.	PUNCT
gujaf-254	425	1	as	as	SCONJ
gujaf-254	425	2	nigeria	nigeria	PROPN
gujaf-254	425	3	increasingly	increasingly	ADV
gujaf-254	425	4	adopts	adopt	VERB
gujaf-254	425	5	and	and	CCONJ
gujaf-254	425	6	integrates	integrate	VERB
gujaf-254	425	7	digital	digital	ADJ
gujaf-254	425	8	financial	financial	ADJ
gujaf-254	425	9	services	service	NOUN
gujaf-254	425	10	,	,	PUNCT
gujaf-254	425	11	it	it	PRON
gujaf-254	425	12	becomes	become	VERB
gujaf-254	425	13	imperative	imperative	ADJ
gujaf-254	425	14	for	for	SCONJ
gujaf-254	425	15	policymakers	policymaker	NOUN
gujaf-254	425	16	and	and	CCONJ
gujaf-254	425	17	financial	financial	ADJ
gujaf-254	425	18	institutions	institution	NOUN
gujaf-254	425	19	to	to	PART
gujaf-254	425	20	harness	harness	VERB
gujaf-254	425	21	these	these	DET
gujaf-254	425	22	findings	finding	NOUN
gujaf-254	425	23	in	in	ADP
gujaf-254	425	24	refining	refining	NOUN
gujaf-254	425	25	strategies	strategy	NOUN
gujaf-254	425	26	that	that	PRON
gujaf-254	425	27	encourage	encourage	VERB
gujaf-254	425	28	responsible	responsible	ADJ
gujaf-254	425	29	financial	financial	ADJ
gujaf-254	425	30	behaviors	behavior	NOUN
gujaf-254	425	31	and	and	CCONJ
gujaf-254	425	32	enhance	enhance	VERB
gujaf-254	425	33	individual	individual	ADJ
gujaf-254	425	34	financial	financial	ADJ
gujaf-254	425	35	well	well	NOUN
gujaf-254	425	36	-	-	PUNCT
gujaf-254	425	37	being	being	NOUN
gujaf-254	425	38	.	.	PUNCT
gujaf-254	426	1	ultimately	ultimately	ADV
gujaf-254	426	2	,	,	PUNCT
gujaf-254	426	3	the	the	DET
gujaf-254	426	4	study	study	NOUN
gujaf-254	426	5	emphasizes	emphasize	VERB
gujaf-254	426	6	the	the	DET
gujaf-254	426	7	critical	critical	ADJ
gujaf-254	426	8	role	role	NOUN
gujaf-254	426	9	of	of	ADP
gujaf-254	426	10	digital	digital	ADJ
gujaf-254	426	11	financial	financial	ADJ
gujaf-254	426	12	services	service	NOUN
gujaf-254	426	13	in	in	ADP
gujaf-254	426	14	altering	alter	VERB
gujaf-254	426	15	how	how	SCONJ
gujaf-254	426	16	people	people	NOUN
gujaf-254	426	17	perceive	perceive	VERB
gujaf-254	426	18	,	,	PUNCT
gujaf-254	426	19	access	access	NOUN
gujaf-254	426	20	,	,	PUNCT
gujaf-254	426	21	and	and	CCONJ
gujaf-254	426	22	allocate	allocate	VERB
gujaf-254	426	23	their	their	PRON
gujaf-254	426	24	financial	financial	ADJ
gujaf-254	426	25	resources	resource	NOUN
gujaf-254	426	26	in	in	ADP
gujaf-254	426	27	the	the	DET
gujaf-254	426	28	modern	modern	ADJ
gujaf-254	426	29	day	day	NOUN
gujaf-254	426	30	.	.	PUNCT
gujaf-254	427	1	therefore	therefore	ADV
gujaf-254	427	2	,	,	PUNCT
gujaf-254	427	3	the	the	DET
gujaf-254	427	4	study	study	NOUN
gujaf-254	427	5	concludes	conclude	VERB
gujaf-254	427	6	that	that	SCONJ
gujaf-254	427	7	by	by	ADP
gujaf-254	427	8	upholding	uphold	VERB
gujaf-254	427	9	the	the	DET
gujaf-254	427	10	technology	technology	NOUN
gujaf-254	427	11	acceptance	acceptance	NOUN
gujaf-254	427	12	theory	theory	NOUN
gujaf-254	427	13	,	,	PUNCT
gujaf-254	427	14	digital	digital	ADJ
gujaf-254	427	15	technology	technology	NOUN
gujaf-254	427	16	would	would	AUX
gujaf-254	427	17	advance	advance	VERB
gujaf-254	427	18	savings	saving	NOUN
gujaf-254	427	19	development	development	NOUN
gujaf-254	427	20	in	in	ADP
gujaf-254	427	21	nigeria	nigeria	PROPN
gujaf-254	427	22	.	.	PUNCT
gujaf-254	428	1	however	however	ADV
gujaf-254	428	2	,	,	PUNCT
gujaf-254	428	3	based	base	VERB
gujaf-254	428	4	on	on	ADP
gujaf-254	428	5	the	the	DET
gujaf-254	428	6	research	research	NOUN
gujaf-254	428	7	’s	’s	PART
gujaf-254	428	8	findings	finding	NOUN
gujaf-254	428	9	several	several	ADJ
gujaf-254	428	10	recommendations	recommendation	NOUN
gujaf-254	428	11	have	have	AUX
gujaf-254	428	12	been	be	AUX
gujaf-254	428	13	made	make	VERB
gujaf-254	428	14	as	as	SCONJ
gujaf-254	428	15	follows	follow	VERB
gujaf-254	428	16	:	:	PUNCT
gujaf-254	428	17	the	the	DET
gujaf-254	428	18	central	central	ADJ
gujaf-254	428	19	bank	bank	PROPN
gujaf-254	428	20	of	of	ADP
gujaf-254	428	21	nigeria	nigeria	PROPN
gujaf-254	428	22	needs	need	VERB
gujaf-254	428	23	to	to	PART
gujaf-254	428	24	create	create	VERB
gujaf-254	428	25	an	an	DET
gujaf-254	428	26	enabling	enable	VERB
gujaf-254	428	27	environment	environment	NOUN
gujaf-254	428	28	as	as	ADV
gujaf-254	428	29	well	well	ADV
gujaf-254	428	30	as	as	ADP
gujaf-254	428	31	policies	policy	NOUN
gujaf-254	428	32	to	to	PART
gujaf-254	428	33	encourage	encourage	VERB
gujaf-254	428	34	the	the	DET
gujaf-254	428	35	innovation	innovation	NOUN
gujaf-254	428	36	of	of	ADP
gujaf-254	428	37	more	more	ADJ
gujaf-254	428	38	digital	digital	ADJ
gujaf-254	428	39	savings	saving	NOUN
gujaf-254	428	40	platforms	platform	NOUN
gujaf-254	428	41	to	to	PART
gujaf-254	428	42	increase	increase	VERB
gujaf-254	428	43	savings	saving	NOUN
gujaf-254	428	44	.	.	PUNCT
gujaf-254	429	1	this	this	PRON
gujaf-254	429	2	can	can	AUX
gujaf-254	429	3	be	be	AUX
gujaf-254	429	4	achieved	achieve	VERB
gujaf-254	429	5	through	through	ADP
gujaf-254	429	6	awareness	awareness	NOUN
gujaf-254	429	7	campaigns	campaign	NOUN
gujaf-254	429	8	,	,	PUNCT
gujaf-254	429	9	incentives	incentive	NOUN
gujaf-254	429	10	,	,	PUNCT
gujaf-254	429	11	and	and	CCONJ
gujaf-254	429	12	partnerships	partnership	NOUN
gujaf-254	429	13	between	between	ADP
gujaf-254	429	14	financial	financial	ADJ
gujaf-254	429	15	institutions	institution	NOUN
gujaf-254	429	16	and	and	CCONJ
gujaf-254	429	17	merchants	merchant	NOUN
gujaf-254	429	18	to	to	PART
gujaf-254	429	19	create	create	VERB
gujaf-254	429	20	a	a	DET
gujaf-254	429	21	seamless	seamless	ADJ
gujaf-254	429	22	digital	digital	ADJ
gujaf-254	429	23	savings	saving	NOUN
gujaf-254	429	24	experience	experience	NOUN
gujaf-254	429	25	for	for	ADP
gujaf-254	429	26	customers	customer	NOUN
gujaf-254	429	27	.	.	PUNCT
gujaf-254	430	1	financial	financial	ADJ
gujaf-254	430	2	institutions	institution	NOUN
gujaf-254	430	3	should	should	AUX
gujaf-254	430	4	design	design	VERB
gujaf-254	430	5	user	user	NOUN
gujaf-254	430	6	-	-	PUNCT
gujaf-254	430	7	friendly	friendly	ADJ
gujaf-254	430	8	interfaces	interface	NOUN
gujaf-254	430	9	that	that	PRON
gujaf-254	430	10	facilitate	facilitate	VERB
gujaf-254	430	11	savings	saving	NOUN
gujaf-254	430	12	and	and	CCONJ
gujaf-254	430	13	educate	educate	VERB
gujaf-254	430	14	individuals	individual	NOUN
gujaf-254	430	15	about	about	ADP
gujaf-254	430	16	the	the	DET
gujaf-254	430	17	benefits	benefit	NOUN
gujaf-254	430	18	of	of	ADP
gujaf-254	430	19	using	use	VERB
gujaf-254	430	20	atm	atm	NOUN
gujaf-254	430	21	for	for	ADP
gujaf-254	430	22	savings	saving	NOUN
gujaf-254	430	23	purposes	purpose	NOUN
gujaf-254	430	24	.	.	PUNCT
gujaf-254	431	1	more	more	ADJ
gujaf-254	431	2	atms	atms	PROPN
gujaf-254	431	3	should	should	AUX
gujaf-254	431	4	be	be	AUX
gujaf-254	431	5	designed	design	VERB
gujaf-254	431	6	for	for	ADP
gujaf-254	431	7	savings	saving	NOUN
gujaf-254	431	8	purposes	purpose	NOUN
gujaf-254	431	9	since	since	SCONJ
gujaf-254	431	10	it	it	PRON
gujaf-254	431	11	had	have	VERB
gujaf-254	431	12	a	a	DET
gujaf-254	431	13	positive	positive	ADJ
gujaf-254	431	14	effect	effect	NOUN
gujaf-254	431	15	in	in	ADP
gujaf-254	431	16	the	the	DET
gujaf-254	431	17	long	long	ADJ
gujaf-254	431	18	run	run	NOUN
gujaf-254	431	19	.	.	PUNCT
gujaf-254	432	1	this	this	PRON
gujaf-254	432	2	could	could	AUX
gujaf-254	432	3	be	be	AUX
gujaf-254	432	4	done	do	VERB
gujaf-254	432	5	by	by	ADP
gujaf-254	432	6	integrating	integrate	VERB
gujaf-254	432	7	features	feature	NOUN
gujaf-254	432	8	that	that	PRON
gujaf-254	432	9	allow	allow	VERB
gujaf-254	432	10	users	user	NOUN
gujaf-254	432	11	to	to	PART
gujaf-254	432	12	easily	easily	ADV
gujaf-254	432	13	allocate	allocate	VERB
gujaf-254	432	14	a	a	DET
gujaf-254	432	15	portion	portion	NOUN
gujaf-254	432	16	of	of	ADP
gujaf-254	432	17	their	their	PRON
gujaf-254	432	18	transactions	transaction	NOUN
gujaf-254	432	19	towards	towards	ADP
gujaf-254	432	20	savings	saving	NOUN
gujaf-254	432	21	,	,	PUNCT
gujaf-254	432	22	promoting	promote	VERB
gujaf-254	432	23	a	a	DET
gujaf-254	432	24	culture	culture	NOUN
gujaf-254	432	25	of	of	ADP
gujaf-254	432	26	205	205	NUM
gujaf-254	432	27	saving	saving	NOUN
gujaf-254	432	28	while	while	SCONJ
gujaf-254	432	29	conducting	conduct	VERB
gujaf-254	432	30	routine	routine	ADJ
gujaf-254	432	31	financial	financial	ADJ
gujaf-254	432	32	activities	activity	NOUN
gujaf-254	432	33	.	.	PUNCT
gujaf-254	433	1	the	the	DET
gujaf-254	433	2	study	study	NOUN
gujaf-254	433	3	suggests	suggest	VERB
gujaf-254	433	4	further	further	ADJ
gujaf-254	433	5	research	research	NOUN
gujaf-254	433	6	studies	study	NOUN
gujaf-254	433	7	using	use	VERB
gujaf-254	433	8	different	different	ADJ
gujaf-254	433	9	methodology	methodology	NOUN
gujaf-254	433	10	.	.	PUNCT
gujaf-254	434	1	references	reference	NOUN
gujaf-254	434	2	aielemen	aielemen	PROPN
gujaf-254	434	3	,	,	PUNCT
gujaf-254	434	4	i.	i.	PROPN
gujaf-254	434	5	o.	o.	PROPN
gujaf-254	434	6	,	,	PUNCT
gujaf-254	434	7	enobong	enobong	PROPN
gujaf-254	434	8	,	,	PUNCT
gujaf-254	434	9	a.	a.	PROPN
gujaf-254	434	10	,	,	PUNCT
gujaf-254	434	11	osuma	osuma	PROPN
gujaf-254	434	12	,	,	PUNCT
gujaf-254	434	13	g.	g.	PROPN
gujaf-254	434	14	o.	o.	PROPN
gujaf-254	434	15	,	,	PUNCT
gujaf-254	434	16	evbuomwan	evbuomwan	PROPN
gujaf-254	434	17	,	,	PUNCT
gujaf-254	434	18	g.	g.	PROPN
gujaf-254	434	19	,	,	PUNCT
gujaf-254	434	20	&	&	CCONJ
gujaf-254	434	21	ndigwe	ndigwe	PROPN
gujaf-254	434	22	,	,	PUNCT
gujaf-254	434	23	c.	c.	NOUN
gujaf-254	434	24	(	(	PUNCT
gujaf-254	434	25	2018	2018	NUM
gujaf-254	434	26	)	)	PUNCT
gujaf-254	434	27	.	.	PUNCT
gujaf-254	435	1	electronic	electronic	ADJ
gujaf-254	435	2	banking	banking	NOUN
gujaf-254	435	3	and	and	CCONJ
gujaf-254	435	4	cashless	cashless	NOUN
gujaf-254	435	5	policy	policy	NOUN
gujaf-254	435	6	in	in	ADP
gujaf-254	435	7	nigeria	nigeria	PROPN
gujaf-254	435	8	.	.	PUNCT
gujaf-254	436	1	international	international	ADJ
gujaf-254	436	2	journal	journal	NOUN
gujaf-254	436	3	of	of	ADP
gujaf-254	436	4	civil	civil	ADJ
gujaf-254	436	5	engineering	engineering	NOUN
gujaf-254	436	6	and	and	CCONJ
gujaf-254	436	7	technology	technology	NOUN
gujaf-254	436	8	,	,	PUNCT
gujaf-254	436	9	9(10	9(10	NUM
gujaf-254	436	10	)	)	PUNCT
gujaf-254	436	11	,	,	PUNCT
gujaf-254	436	12	718	718	NUM
gujaf-254	436	13	-	-	SYM
gujaf-254	436	14	731	731	NUM
gujaf-254	436	15	.	.	PUNCT
gujaf-254	437	1	akinrinola	akinrinola	PROPN
gujaf-254	437	2	,	,	PUNCT
gujaf-254	437	3	o.	o.	PROPN
gujaf-254	437	4	,	,	PUNCT
gujaf-254	437	5	omojola	omojola	PROPN
gujaf-254	437	6	,	,	PUNCT
gujaf-254	437	7	o.	o.	PROPN
gujaf-254	437	8	&	&	CCONJ
gujaf-254	437	9	audu	audu	PROPN
gujaf-254	437	10	,	,	PUNCT
gujaf-254	437	11	s.	s.	PROPN
gujaf-254	437	12	(	(	PUNCT
gujaf-254	437	13	2023	2023	NUM
gujaf-254	437	14	)	)	PUNCT
gujaf-254	437	15	.	.	PUNCT
gujaf-254	438	1	digital	digital	ADJ
gujaf-254	438	2	financial	financial	ADJ
gujaf-254	438	3	inclusion	inclusion	NOUN
gujaf-254	438	4	technology	technology	NOUN
gujaf-254	438	5	and	and	CCONJ
gujaf-254	438	6	the	the	DET
gujaf-254	438	7	level	level	NOUN
gujaf-254	438	8	of	of	ADP
gujaf-254	438	9	household	household	NOUN
gujaf-254	438	10	savings	saving	NOUN
gujaf-254	438	11	in	in	ADP
gujaf-254	438	12	nigeria	nigeria	PROPN
gujaf-254	438	13	.	.	PUNCT
gujaf-254	439	1	international	international	ADJ
gujaf-254	439	2	journal	journal	PROPN
gujaf-254	439	3	of	of	ADP
gujaf-254	439	4	innovative	innovative	ADJ
gujaf-254	439	5	finance	finance	NOUN
gujaf-254	439	6	and	and	CCONJ
gujaf-254	439	7	economics	economic	NOUN
gujaf-254	439	8	research	research	NOUN
gujaf-254	439	9	,	,	PUNCT
gujaf-254	439	10	11(1	11(1	NUM
gujaf-254	439	11	)	)	PUNCT
gujaf-254	439	12	,	,	PUNCT
gujaf-254	439	13	117	117	NUM
gujaf-254	439	14	-	-	SYM
gujaf-254	439	15	122	122	NUM
gujaf-254	439	16	.	.	PUNCT
gujaf-254	440	1	al	al	PROPN
gujaf-254	440	2	-	-	PUNCT
gujaf-254	440	3	smadi	smadi	NOUN
gujaf-254	440	4	,	,	PUNCT
gujaf-254	440	5	m.o	m.o	PROPN
gujaf-254	440	6	.	.	PROPN
gujaf-254	440	7	(	(	PUNCT
gujaf-254	440	8	2023	2023	NUM
gujaf-254	440	9	)	)	PUNCT
gujaf-254	440	10	.	.	PUNCT
gujaf-254	441	1	examining	examine	VERB
gujaf-254	441	2	the	the	DET
gujaf-254	441	3	relationship	relationship	NOUN
gujaf-254	441	4	between	between	ADP
gujaf-254	441	5	digital	digital	ADJ
gujaf-254	441	6	finance	finance	NOUN
gujaf-254	441	7	and	and	CCONJ
gujaf-254	441	8	financial	financial	ADJ
gujaf-254	441	9	inclusion	inclusion	NOUN
gujaf-254	441	10	:	:	PUNCT
gujaf-254	441	11	evidence	evidence	NOUN
gujaf-254	441	12	from	from	ADP
gujaf-254	441	13	mena	mena	PROPN
gujaf-254	441	14	countries	countries	PROPN
gujaf-254	441	15	.	.	PUNCT
gujaf-254	442	1	borsa	borsa	PROPN
gujaf-254	442	2	istanbul	istanbul	PROPN
gujaf-254	442	3	review	review	PROPN
gujaf-254	442	4	,	,	PUNCT
gujaf-254	442	5	23(2	23(2	NUM
gujaf-254	442	6	)	)	PUNCT
gujaf-254	442	7	,	,	PUNCT
gujaf-254	442	8	464	464	NUM
gujaf-254	442	9	-	-	SYM
gujaf-254	442	10	472	472	NUM
gujaf-254	442	11	.	.	PUNCT
gujaf-254	443	1	banke	banke	PROPN
gujaf-254	443	2	,	,	PUNCT
gujaf-254	443	3	n.	n.	PROPN
gujaf-254	443	4	k.	k.	PROPN
gujaf-254	443	5	&	&	CCONJ
gujaf-254	443	6	yitayaw	yitayaw	PROPN
gujaf-254	443	7	,	,	PUNCT
gujaf-254	443	8	m.	m.	PROPN
gujaf-254	443	9	k.	k.	PROPN
gujaf-254	443	10	(	(	PUNCT
gujaf-254	443	11	2022	2022	NUM
gujaf-254	443	12	)	)	PUNCT
gujaf-254	443	13	.	.	PUNCT
gujaf-254	444	1	deposit	deposit	NOUN
gujaf-254	444	2	mobilization	mobilization	NOUN
gujaf-254	444	3	and	and	CCONJ
gujaf-254	444	4	its	its	PRON
gujaf-254	444	5	determinants	determinant	NOUN
gujaf-254	444	6	:	:	PUNCT
gujaf-254	444	7	evidence	evidence	NOUN
gujaf-254	444	8	from	from	ADP
gujaf-254	444	9	commercial	commercial	ADJ
gujaf-254	444	10	banks	bank	NOUN
gujaf-254	444	11	in	in	ADP
gujaf-254	444	12	ethiopia	ethiopia	PROPN
gujaf-254	444	13	.	.	PUNCT
gujaf-254	445	1	future	future	ADJ
gujaf-254	445	2	business	business	NOUN
gujaf-254	445	3	journal	journal	NOUN
gujaf-254	445	4	,	,	PUNCT
gujaf-254	445	5	8(32	8(32	NUM
gujaf-254	445	6	)	)	PUNCT
gujaf-254	445	7	,	,	PUNCT
gujaf-254	445	8	1	1	NUM
gujaf-254	445	9	-	-	SYM
gujaf-254	445	10	10	10	NUM
gujaf-254	445	11	.	.	PUNCT
gujaf-254	446	1	beloke	beloke	VERB
gujaf-254	446	2	n.b	n.b	PROPN
gujaf-254	446	3	.	.	PROPN
gujaf-254	446	4	(	(	PUNCT
gujaf-254	446	5	2023	2023	NUM
gujaf-254	446	6	)	)	PUNCT
gujaf-254	446	7	.	.	PUNCT
gujaf-254	447	1	the	the	DET
gujaf-254	447	2	influence	influence	NOUN
gujaf-254	447	3	of	of	ADP
gujaf-254	447	4	digital	digital	ADJ
gujaf-254	447	5	financial	financial	ADJ
gujaf-254	447	6	services	service	NOUN
gujaf-254	447	7	on	on	ADP
gujaf-254	447	8	the	the	DET
gujaf-254	447	9	financial	financial	ADJ
gujaf-254	447	10	inclusion	inclusion	NOUN
gujaf-254	447	11	by	by	ADP
gujaf-254	447	12	commercial	commercial	ADJ
gujaf-254	447	13	banks	bank	NOUN
gujaf-254	447	14	in	in	ADP
gujaf-254	447	15	cameroon	cameroon	PROPN
gujaf-254	447	16	.	.	PUNCT
gujaf-254	448	1	esi	esi	PROPN
gujaf-254	448	2	preprints	preprint	NOUN
gujaf-254	448	3	.	.	PUNCT
gujaf-254	449	1	biernacki	biernacki	PROPN
gujaf-254	449	2	,	,	PUNCT
gujaf-254	449	3	k.	k.	PROPN
gujaf-254	449	4	(	(	PUNCT
gujaf-254	449	5	2020	2020	NUM
gujaf-254	449	6	)	)	PUNCT
gujaf-254	449	7	.	.	PUNCT
gujaf-254	450	1	theories	theory	NOUN
gujaf-254	450	2	of	of	ADP
gujaf-254	450	3	financial	financial	ADJ
gujaf-254	450	4	innovation	innovation	NOUN
gujaf-254	450	5	.	.	PUNCT
gujaf-254	451	1	in	in	ADP
gujaf-254	451	2	education	education	NOUN
gujaf-254	451	3	excellence	excellence	PROPN
gujaf-254	451	4	and	and	CCONJ
gujaf-254	451	5	innovation	innovation	NOUN
gujaf-254	451	6	management	management	NOUN
gujaf-254	451	7	:	:	PUNCT
gujaf-254	451	8	a	a	DET
gujaf-254	451	9	2025	2025	NUM
gujaf-254	451	10	vision	vision	NOUN
gujaf-254	451	11	to	to	PART
gujaf-254	451	12	sustain	sustain	VERB
gujaf-254	451	13	economic	economic	ADJ
gujaf-254	451	14	development	development	NOUN
gujaf-254	451	15	during	during	ADP
gujaf-254	451	16	global	global	ADJ
gujaf-254	451	17	challenges	challenge	NOUN
gujaf-254	451	18	.	.	PUNCT
gujaf-254	452	1	international	international	ADJ
gujaf-254	452	2	business	business	NOUN
gujaf-254	452	3	information	information	PROPN
gujaf-254	452	4	management	management	PROPN
gujaf-254	452	5	association	association	PROPN
gujaf-254	452	6	(	(	PUNCT
gujaf-254	452	7	ibima	ibima	PROPN
gujaf-254	452	8	)	)	PUNCT
gujaf-254	452	9	,	,	PUNCT
gujaf-254	452	10	1540315409	1540315409	NUM
gujaf-254	452	11	buri	buri	PROPN
gujaf-254	452	12	,	,	PUNCT
gujaf-254	452	13	s.	s.	PROPN
gujaf-254	452	14	&	&	CCONJ
gujaf-254	452	15	reitzug	reitzug	PROPN
gujaf-254	452	16	,	,	PUNCT
gujaf-254	452	17	f.	f.	PROPN
gujaf-254	452	18	(	(	PUNCT
gujaf-254	452	19	2019	2019	NUM
gujaf-254	452	20	)	)	PUNCT
gujaf-254	452	21	.	.	PUNCT
gujaf-254	453	1	do	do	AUX
gujaf-254	453	2	agent	agent	NOUN
gujaf-254	453	3	networks	network	NOUN
gujaf-254	453	4	help	help	VERB
gujaf-254	453	5	to	to	PART
gujaf-254	453	6	boost	boost	VERB
gujaf-254	453	7	savings	saving	NOUN
gujaf-254	453	8	?	?	PUNCT
gujaf-254	454	1	effects	effect	NOUN
gujaf-254	454	2	on	on	ADP
gujaf-254	454	3	institutional	institutional	ADJ
gujaf-254	454	4	deposit	deposit	NOUN
gujaf-254	454	5	mobilization	mobilization	NOUN
gujaf-254	454	6	and	and	CCONJ
gujaf-254	454	7	customer	customer	NOUN
gujaf-254	454	8	saving	save	VERB
gujaf-254	454	9	behaviour	behaviour	NOUN
gujaf-254	454	10	.	.	PUNCT
gujaf-254	455	1	prepared	prepare	VERB
gujaf-254	455	2	for	for	ADP
gujaf-254	455	3	ifc	ifc	NOUN
gujaf-254	455	4	and	and	CCONJ
gujaf-254	455	5	mastercard	mastercard	PROPN
gujaf-254	455	6	foundation	foundation	PROPN
gujaf-254	455	7	.	.	PUNCT
gujaf-254	456	1	buvinić	buvinić	PROPN
gujaf-254	456	2	,	,	PUNCT
gujaf-254	456	3	m.	m.	NOUN
gujaf-254	456	4	,	,	PUNCT
gujaf-254	456	5	johnson	johnson	PROPN
gujaf-254	456	6	,	,	PUNCT
gujaf-254	456	7	h.	h.	PROPN
gujaf-254	456	8	c.	c.	PROPN
gujaf-254	456	9	,	,	PUNCT
gujaf-254	456	10	perova	perova	VERB
gujaf-254	456	11	,	,	PUNCT
gujaf-254	456	12	e.	e.	PROPN
gujaf-254	456	13	,	,	PUNCT
gujaf-254	456	14	&	&	CCONJ
gujaf-254	456	15	witoelar	witoelar	ADJ
gujaf-254	456	16	,	,	PUNCT
gujaf-254	456	17	f.	f.	PROPN
gujaf-254	456	18	(	(	PUNCT
gujaf-254	456	19	2020	2020	NUM
gujaf-254	456	20	)	)	PUNCT
gujaf-254	456	21	.	.	PUNCT
gujaf-254	457	1	can	can	AUX
gujaf-254	457	2	boosting	boost	VERB
gujaf-254	457	3	savings	saving	NOUN
gujaf-254	457	4	and	and	CCONJ
gujaf-254	457	5	skills	skill	NOUN
gujaf-254	457	6	support	support	VERB
gujaf-254	457	7	female	female	ADJ
gujaf-254	457	8	business	business	NOUN
gujaf-254	457	9	owners	owner	NOUN
gujaf-254	457	10	in	in	ADP
gujaf-254	457	11	indonesia	indonesia	PROPN
gujaf-254	457	12	?	?	PUNCT
gujaf-254	458	1	evidence	evidence	NOUN
gujaf-254	458	2	from	from	ADP
gujaf-254	458	3	a	a	DET
gujaf-254	458	4	randomized	randomized	ADJ
gujaf-254	458	5	controlled	control	VERB
gujaf-254	458	6	trial	trial	NOUN
gujaf-254	458	7	.	.	PUNCT
gujaf-254	459	1	working	work	VERB
gujaf-254	459	2	paper	paper	NOUN
gujaf-254	459	3	,	,	PUNCT
gujaf-254	459	4	center	center	NOUN
gujaf-254	459	5	for	for	ADP
gujaf-254	459	6	global	global	ADJ
gujaf-254	459	7	development	development	NOUN
gujaf-254	459	8	.	.	PUNCT
gujaf-254	460	1	central	central	ADJ
gujaf-254	460	2	bank	bank	PROPN
gujaf-254	460	3	of	of	ADP
gujaf-254	460	4	nigeria	nigeria	PROPN
gujaf-254	460	5	.	.	PUNCT
gujaf-254	461	1	(	(	PUNCT
gujaf-254	461	2	2021	2021	NUM
gujaf-254	461	3	)	)	PUNCT
gujaf-254	461	4	.	.	PUNCT
gujaf-254	462	1	annual	annual	ADJ
gujaf-254	462	2	statistical	statistical	ADJ
gujaf-254	462	3	bulletin	bulletin	NOUN
gujaf-254	462	4	.	.	PUNCT
gujaf-254	463	1	retrieved	retrieve	VERB
gujaf-254	463	2	from	from	ADP
gujaf-254	463	3	https://www.cbn.gov.ng/documents/statbulletin.asp	https://www.cbn.gov.ng/documents/statbulletin.asp	PROPN
gujaf-254	463	4	.	.	PUNCT
gujaf-254	464	1	central	central	PROPN
gujaf-254	464	2	bank	bank	PROPN
gujaf-254	464	3	of	of	ADP
gujaf-254	464	4	nigeria	nigeria	PROPN
gujaf-254	464	5	.	.	PUNCT
gujaf-254	465	1	(	(	PUNCT
gujaf-254	465	2	2023	2023	NUM
gujaf-254	465	3	)	)	PUNCT
gujaf-254	465	4	.	.	PUNCT
gujaf-254	466	1	money	money	NOUN
gujaf-254	466	2	market	market	NOUN
gujaf-254	466	3	indicators	indicator	NOUN
gujaf-254	466	4	.	.	PUNCT
gujaf-254	467	1	retrieved	retrieve	VERB
gujaf-254	467	2	from	from	ADP
gujaf-254	467	3	https://www.cbn.gov.ng/rates/mnymktind.asp	https://www.cbn.gov.ng/rates/mnymktind.asp	PROPN
gujaf-254	467	4	.	.	PUNCT
gujaf-254	468	1	david	david	PROPN
gujaf-254	468	2	-	-	PUNCT
gujaf-254	468	3	west	west	PROPN
gujaf-254	468	4	,	,	PUNCT
gujaf-254	468	5	o.	o.	PROPN
gujaf-254	468	6	&	&	CCONJ
gujaf-254	468	7	nwagwu	nwagwu	PROPN
gujaf-254	468	8	,	,	PUNCT
gujaf-254	468	9	i.	i.	PROPN
gujaf-254	468	10	(	(	PUNCT
gujaf-254	468	11	2018	2018	NUM
gujaf-254	468	12	)	)	PUNCT
gujaf-254	468	13	.	.	PUNCT
gujaf-254	469	1	sdgs	sdgs	PROPN
gujaf-254	469	2	and	and	CCONJ
gujaf-254	469	3	digital	digital	ADJ
gujaf-254	469	4	financial	financial	ADJ
gujaf-254	469	5	services	service	NOUN
gujaf-254	469	6	(	(	PUNCT
gujaf-254	469	7	dfs	dfs	NOUN
gujaf-254	469	8	)	)	PUNCT
gujaf-254	469	9	entrepreneurship	entrepreneurship	NOUN
gujaf-254	469	10	:	:	PUNCT
gujaf-254	469	11	challenges	challenge	NOUN
gujaf-254	469	12	and	and	CCONJ
gujaf-254	469	13	opportunities	opportunity	NOUN
gujaf-254	469	14	in	in	ADP
gujaf-254	469	15	africa	africa	PROPN
gujaf-254	469	16	’s	’s	PART
gujaf-254	469	17	largest	large	ADJ
gujaf-254	469	18	economy	economy	NOUN
gujaf-254	469	19	.	.	PUNCT
gujaf-254	470	1	entrepreneurship	entrepreneurship	NOUN
gujaf-254	470	2	and	and	CCONJ
gujaf-254	470	3	the	the	DET
gujaf-254	470	4	sustainable	sustainable	ADJ
gujaf-254	470	5	development	development	NOUN
gujaf-254	470	6	goals	goal	NOUN
gujaf-254	470	7	(	(	PUNCT
gujaf-254	470	8	contemporary	contemporary	ADJ
gujaf-254	470	9	issues	issue	NOUN
gujaf-254	470	10	in	in	ADP
gujaf-254	470	11	entrepreneurship	entrepreneurship	NOUN
gujaf-254	470	12	research	research	NOUN
gujaf-254	470	13	)	)	PUNCT
gujaf-254	470	14	,	,	PUNCT
gujaf-254	470	15	8	8	NUM
gujaf-254	470	16	.	.	X
gujaf-254	470	17	103	103	NUM
gujaf-254	470	18	-	-	SYM
gujaf-254	470	19	117	117	NUM
gujaf-254	470	20	https://www.emerald.com/insight/search?q=olayinka%20david-west	https://www.emerald.com/insight/search?q=olayinka%20david-w	ADJ
gujaf-254	470	21	https://www.emerald.com/insight/search?q=ijeoma%20nwagwu	https://www.emerald.com/insight/search?q=ijeoma%20nwagwu	PROPN
gujaf-254	470	22	206	206	NUM
gujaf-254	470	23	dadzie	dadzie	NOUN
gujaf-254	470	24	,	,	PUNCT
gujaf-254	470	25	c.	c.	PROPN
gujaf-254	470	26	a.	a.	PROPN
gujaf-254	470	27	,	,	PUNCT
gujaf-254	470	28	winston	winston	PROPN
gujaf-254	470	29	,	,	PUNCT
gujaf-254	470	30	e.	e.	PROPN
gujaf-254	470	31	m.	m.	PROPN
gujaf-254	470	32	,	,	PUNCT
gujaf-254	470	33	williams	williams	PROPN
gujaf-254	470	34	,	,	PUNCT
gujaf-254	470	35	a.	a.	PROPN
gujaf-254	470	36	j.	j.	PROPN
gujaf-254	470	37	,	,	PUNCT
gujaf-254	470	38	&	&	CCONJ
gujaf-254	470	39	dadzie	dadzie	PROPN
gujaf-254	470	40	,	,	PUNCT
gujaf-254	470	41	k.	k.	PROPN
gujaf-254	470	42	q.	q.	PROPN
gujaf-254	470	43	(	(	PUNCT
gujaf-254	470	44	2021	2021	NUM
gujaf-254	470	45	)	)	PUNCT
gujaf-254	470	46	.	.	PUNCT
gujaf-254	471	1	promoting	promote	VERB
gujaf-254	471	2	bank	bank	NOUN
gujaf-254	471	3	usage	usage	NOUN
gujaf-254	471	4	habits	habit	NOUN
gujaf-254	471	5	in	in	ADP
gujaf-254	471	6	africa	africa	PROPN
gujaf-254	471	7	’s	’s	PART
gujaf-254	471	8	savings	saving	NOUN
gujaf-254	471	9	mobilization	mobilization	NOUN
gujaf-254	471	10	programs	program	NOUN
gujaf-254	471	11	:	:	PUNCT
gujaf-254	471	12	a	a	DET
gujaf-254	471	13	strategic	strategic	ADJ
gujaf-254	471	14	marketing	marketing	NOUN
gujaf-254	471	15	perspective	perspective	NOUN
gujaf-254	471	16	.	.	PUNCT
gujaf-254	472	1	journal	journal	NOUN
gujaf-254	472	2	of	of	ADP
gujaf-254	472	3	macromarketing	macromarketing	NOUN
gujaf-254	472	4	,	,	PUNCT
gujaf-254	472	5	41(2	41(2	NUM
gujaf-254	472	6	)	)	PUNCT
gujaf-254	472	7	,	,	PUNCT
gujaf-254	472	8	391–410	391–410	NUM
gujaf-254	472	9	.	.	PUNCT
gujaf-254	473	1	davis	davis	PROPN
gujaf-254	473	2	,	,	PUNCT
gujaf-254	473	3	f.	f.	PROPN
gujaf-254	473	4	d.	d.	PROPN
gujaf-254	473	5	(	(	PUNCT
gujaf-254	473	6	1985	1985	NUM
gujaf-254	473	7	)	)	PUNCT
gujaf-254	473	8	.	.	PUNCT
gujaf-254	474	1	a	a	DET
gujaf-254	474	2	technology	technology	NOUN
gujaf-254	474	3	acceptance	acceptance	NOUN
gujaf-254	474	4	model	model	NOUN
gujaf-254	474	5	for	for	ADP
gujaf-254	474	6	empirically	empirically	ADV
gujaf-254	474	7	testing	test	VERB
gujaf-254	474	8	new	new	ADJ
gujaf-254	474	9	end	end	NOUN
gujaf-254	474	10	-	-	PUNCT
gujaf-254	474	11	user	user	NOUN
gujaf-254	474	12	information	information	NOUN
gujaf-254	474	13	systems	system	NOUN
gujaf-254	474	14	:	:	PUNCT
gujaf-254	474	15	theory	theory	NOUN
gujaf-254	474	16	and	and	CCONJ
gujaf-254	474	17	results	result	NOUN
gujaf-254	474	18	.	.	PUNCT
gujaf-254	475	1	massachusetts	massachusetts	PROPN
gujaf-254	475	2	institute	institute	PROPN
gujaf-254	475	3	of	of	ADP
gujaf-254	475	4	technology	technology	PROPN
gujaf-254	475	5	.	.	PUNCT
gujaf-254	476	1	http://hdl.handle.net/1721.1/15192	http://hdl.handle.net/1721.1/15192	PROPN
gujaf-254	477	1	efina	efina	NOUN
gujaf-254	477	2	(	(	PUNCT
gujaf-254	477	3	2020	2020	NUM
gujaf-254	477	4	)	)	PUNCT
gujaf-254	477	5	.	.	PUNCT
gujaf-254	478	1	efina	efina	PROPN
gujaf-254	478	2	access	access	NOUN
gujaf-254	478	3	to	to	ADP
gujaf-254	478	4	financial	financial	ADJ
gujaf-254	478	5	services	service	NOUN
gujaf-254	478	6	in	in	ADP
gujaf-254	478	7	nigeria	nigeria	PROPN
gujaf-254	478	8	2020	2020	NUM
gujaf-254	478	9	survey	survey	NOUN
gujaf-254	478	10	:	:	PUNCT
gujaf-254	478	11	key	key	ADJ
gujaf-254	478	12	findings	finding	NOUN
gujaf-254	478	13	.	.	PUNCT
gujaf-254	479	1	efina	efina	NOUN
gujaf-254	479	2	:	:	PUNCT
gujaf-254	480	1	lagos	lago	NOUN
gujaf-254	480	2	.	.	PUNCT
gujaf-254	481	1	eke	eke	ADJ
gujaf-254	481	2	,	,	PUNCT
gujaf-254	481	3	o.	o.	PROPN
gujaf-254	481	4	p.	p.	PROPN
gujaf-254	481	5	,	,	PUNCT
gujaf-254	481	6	okoye	okoye	PROPN
gujaf-254	481	7	,	,	PUNCT
gujaf-254	481	8	l.	l.	PROPN
gujaf-254	481	9	u.	u.	PROPN
gujaf-254	481	10	,	,	PUNCT
gujaf-254	481	11	&	&	CCONJ
gujaf-254	481	12	omankhanlen	omankhanlen	VERB
gujaf-254	481	13	,	,	PUNCT
gujaf-254	481	14	a.	a.	PROPN
gujaf-254	481	15	e.	e.	PROPN
gujaf-254	481	16	(	(	PUNCT
gujaf-254	481	17	2021	2021	NUM
gujaf-254	481	18	)	)	PUNCT
gujaf-254	481	19	.	.	PUNCT
gujaf-254	482	1	can	can	AUX
gujaf-254	482	2	pension	pension	VERB
gujaf-254	482	3	reforms	reform	NOUN
gujaf-254	482	4	moderate	moderate	VERB
gujaf-254	482	5	inflation	inflation	NOUN
gujaf-254	482	6	expectations	expectation	NOUN
gujaf-254	482	7	and	and	CCONJ
gujaf-254	482	8	spur	spur	VERB
gujaf-254	482	9	savings	saving	NOUN
gujaf-254	482	10	?	?	PUNCT
gujaf-254	483	1	evidence	evidence	NOUN
gujaf-254	483	2	from	from	ADP
gujaf-254	483	3	nigeria	nigeria	PROPN
gujaf-254	483	4	.	.	PUNCT
gujaf-254	484	1	wseas	wseas	VERB
gujaf-254	484	2	transactions	transaction	NOUN
gujaf-254	484	3	on	on	ADP
gujaf-254	484	4	business	business	NOUN
gujaf-254	484	5	and	and	CCONJ
gujaf-254	484	6	economics	economic	NOUN
gujaf-254	484	7	,	,	PUNCT
gujaf-254	484	8	18	18	NUM
gujaf-254	484	9	,	,	PUNCT
gujaf-254	484	10	324	324	NUM
gujaf-254	484	11	-	-	SYM
gujaf-254	484	12	337	337	NUM
gujaf-254	484	13	.	.	PUNCT
gujaf-254	485	1	ekocha	ekocha	PROPN
gujaf-254	485	2	,	,	PUNCT
gujaf-254	485	3	s.	s.	PROPN
gujaf-254	485	4	,	,	PUNCT
gujaf-254	485	5	ugwuanyi	ugwuanyi	PROPN
gujaf-254	485	6	,	,	PUNCT
gujaf-254	485	7	w.	w.	PROPN
gujaf-254	485	8	,	,	PUNCT
gujaf-254	485	9	&	&	CCONJ
gujaf-254	485	10	ekocha	ekocha	PROPN
gujaf-254	485	11	,	,	PUNCT
gujaf-254	485	12	j.	j.	PROPN
gujaf-254	485	13	o.	o.	PROPN
gujaf-254	485	14	(	(	PUNCT
gujaf-254	485	15	2023	2023	NUM
gujaf-254	485	16	)	)	PUNCT
gujaf-254	485	17	.	.	PUNCT
gujaf-254	486	1	exploring	explore	VERB
gujaf-254	486	2	the	the	DET
gujaf-254	486	3	impact	impact	NOUN
gujaf-254	486	4	of	of	ADP
gujaf-254	486	5	digital	digital	ADJ
gujaf-254	486	6	financial	financial	ADJ
gujaf-254	486	7	services	service	NOUN
gujaf-254	486	8	on	on	ADP
gujaf-254	486	9	broad	broad	ADJ
gujaf-254	486	10	money	money	NOUN
gujaf-254	486	11	supply	supply	NOUN
gujaf-254	486	12	in	in	ADP
gujaf-254	486	13	nigeria	nigeria	PROPN
gujaf-254	486	14	.	.	PUNCT
gujaf-254	487	1	advance	advance	PROPN
gujaf-254	487	2	journal	journal	PROPN
gujaf-254	487	3	of	of	ADP
gujaf-254	487	4	banking	banking	NOUN
gujaf-254	487	5	,	,	PUNCT
gujaf-254	487	6	finance	finance	NOUN
gujaf-254	487	7	and	and	CCONJ
gujaf-254	487	8	investment	investment	NOUN
gujaf-254	487	9	,	,	PUNCT
gujaf-254	487	10	7(3	7(3	NUM
gujaf-254	487	11	)	)	PUNCT
gujaf-254	487	12	.	.	PUNCT
gujaf-254	488	1	figuet	figuet	PROPN
gujaf-254	488	2	,	,	PUNCT
gujaf-254	488	3	j.	j.	PROPN
gujaf-254	488	4	,	,	PUNCT
gujaf-254	488	5	&	&	CCONJ
gujaf-254	488	6	kere	kere	PROPN
gujaf-254	488	7	a.	a.	PROPN
gujaf-254	488	8	s.	s.	PROPN
gujaf-254	488	9	(	(	PUNCT
gujaf-254	488	10	2022	2022	NUM
gujaf-254	488	11	)	)	PUNCT
gujaf-254	488	12	.	.	PUNCT
gujaf-254	489	1	digitalization	digitalization	NOUN
gujaf-254	489	2	and	and	CCONJ
gujaf-254	489	3	financial	financial	ADJ
gujaf-254	489	4	inclusion	inclusion	NOUN
gujaf-254	489	5	in	in	ADP
gujaf-254	489	6	africa	africa	PROPN
gujaf-254	489	7	.	.	PUNCT
gujaf-254	490	1	journal	journal	PROPN
gujaf-254	490	2	of	of	ADP
gujaf-254	490	3	international	international	ADJ
gujaf-254	490	4	money	money	NOUN
gujaf-254	490	5	,	,	PUNCT
gujaf-254	490	6	banking	banking	NOUN
gujaf-254	490	7	and	and	CCONJ
gujaf-254	490	8	finance	finance	NOUN
gujaf-254	490	9	,	,	PUNCT
gujaf-254	490	10	3(1	3(1	NUM
gujaf-254	490	11	)	)	PUNCT
gujaf-254	490	12	,	,	PUNCT
gujaf-254	490	13	13	13	NUM
gujaf-254	490	14	-	-	SYM
gujaf-254	490	15	40	40	NUM
gujaf-254	490	16	.	.	PUNCT
gujaf-254	491	1	fredriksson	fredriksson	PROPN
gujaf-254	491	2	c.	c.	PROPN
gujaf-254	491	3	&	&	CCONJ
gujaf-254	491	4	staal	staal	PROPN
gujaf-254	491	5	k	k	PROPN
gujaf-254	491	6	(	(	PUNCT
gujaf-254	491	7	2022	2022	NUM
gujaf-254	491	8	)	)	PUNCT
gujaf-254	491	9	.	.	PUNCT
gujaf-254	492	1	determinants	determinant	NOUN
gujaf-254	492	2	of	of	ADP
gujaf-254	492	3	household	household	NOUN
gujaf-254	492	4	savings	saving	NOUN
gujaf-254	492	5	:	:	PUNCT
gujaf-254	492	6	a	a	DET
gujaf-254	492	7	crosscountry	crosscountry	PROPN
gujaf-254	492	8	analysis	analysis	NOUN
gujaf-254	492	9	.	.	PUNCT
gujaf-254	493	1	international	international	ADJ
gujaf-254	493	2	advances	advance	NOUN
gujaf-254	493	3	in	in	ADP
gujaf-254	493	4	economic	economic	ADJ
gujaf-254	493	5	research	research	NOUN
gujaf-254	493	6	,	,	PUNCT
gujaf-254	493	7	27	27	NUM
gujaf-254	493	8	,	,	PUNCT
gujaf-254	493	9	257	257	NUM
gujaf-254	493	10	-	-	SYM
gujaf-254	493	11	272	272	NUM
gujaf-254	493	12	.	.	PUNCT
gujaf-254	493	13	fsd	fsd	PROPN
gujaf-254	493	14	africa	africa	PROPN
gujaf-254	493	15	(	(	PUNCT
gujaf-254	493	16	2022	2022	NUM
gujaf-254	493	17	)	)	PUNCT
gujaf-254	493	18	.	.	PUNCT
gujaf-254	494	1	advancing	advance	VERB
gujaf-254	494	2	the	the	DET
gujaf-254	494	3	digitisation	digitisation	NOUN
gujaf-254	494	4	of	of	ADP
gujaf-254	494	5	humanitarian	humanitarian	ADJ
gujaf-254	494	6	cash	cash	NOUN
gujaf-254	494	7	transfers	transfer	NOUN
gujaf-254	494	8	in	in	ADP
gujaf-254	494	9	africa	africa	PROPN
gujaf-254	494	10	.	.	PUNCT
gujaf-254	495	1	prepared	prepare	VERB
gujaf-254	495	2	for	for	ADP
gujaf-254	495	3	fsda	fsda	NOUN
gujaf-254	495	4	by	by	ADP
gujaf-254	495	5	5ive	5ive	PROPN
gujaf-254	495	6	africa	africa	PROPN
gujaf-254	495	7	.	.	PUNCT
gujaf-254	496	1	gbanador	gbanador	PROPN
gujaf-254	496	2	,	,	PUNCT
gujaf-254	496	3	m.	m.	NOUN
gujaf-254	496	4	a.	a.	NOUN
gujaf-254	496	5	(	(	PUNCT
gujaf-254	496	6	2023	2023	NUM
gujaf-254	496	7	)	)	PUNCT
gujaf-254	496	8	.	.	PUNCT
gujaf-254	497	1	the	the	DET
gujaf-254	497	2	effect	effect	NOUN
gujaf-254	497	3	of	of	ADP
gujaf-254	497	4	cashless	cashless	NOUN
gujaf-254	497	5	policy	policy	NOUN
gujaf-254	497	6	on	on	ADP
gujaf-254	497	7	economic	economic	ADJ
gujaf-254	497	8	growth	growth	NOUN
gujaf-254	497	9	in	in	ADP
gujaf-254	497	10	nigeria	nigeria	PROPN
gujaf-254	497	11	:	:	PUNCT
gujaf-254	497	12	an	an	DET
gujaf-254	497	13	autoregressive	autoregressive	ADJ
gujaf-254	497	14	distributed	distribute	VERB
gujaf-254	497	15	lag	lag	NOUN
gujaf-254	497	16	approach	approach	NOUN
gujaf-254	497	17	.	.	PUNCT
gujaf-254	498	1	asian	asian	ADJ
gujaf-254	498	2	journal	journal	PROPN
gujaf-254	498	3	of	of	ADP
gujaf-254	498	4	economics	economic	NOUN
gujaf-254	498	5	,	,	PUNCT
gujaf-254	498	6	business	business	NOUN
gujaf-254	498	7	and	and	CCONJ
gujaf-254	498	8	accounting	accounting	NOUN
gujaf-254	498	9	,	,	PUNCT
gujaf-254	498	10	23(6	23(6	NUM
gujaf-254	498	11	)	)	PUNCT
gujaf-254	498	12	,	,	PUNCT
gujaf-254	498	13	22	22	NUM
gujaf-254	498	14	-	-	SYM
gujaf-254	498	15	31	31	NUM
gujaf-254	498	16	.	.	PUNCT
gujaf-254	499	1	gsma	gsma	NOUN
gujaf-254	499	2	.	.	PUNCT
gujaf-254	500	1	(	(	PUNCT
gujaf-254	500	2	2021	2021	NUM
gujaf-254	500	3	)	)	PUNCT
gujaf-254	500	4	.	.	PUNCT
gujaf-254	501	1	the	the	DET
gujaf-254	501	2	state	state	NOUN
gujaf-254	501	3	of	of	ADP
gujaf-254	501	4	the	the	DET
gujaf-254	501	5	industry	industry	NOUN
gujaf-254	501	6	report	report	NOUN
gujaf-254	501	7	on	on	ADP
gujaf-254	501	8	mobile	mobile	ADJ
gujaf-254	501	9	money	money	NOUN
gujaf-254	501	10	.	.	PUNCT
gujaf-254	501	11	retrieved	retrieve	VERB
gujaf-254	501	12	from	from	ADP
gujaf-254	501	13	https://www.gsma.com/mobilefordevelopment/wp	https://www.gsma.com/mobilefordevelopment/wp	PROPN
gujaf-254	501	14	haider	haider	PROPN
gujaf-254	501	15	,	,	PUNCT
gujaf-254	501	16	h.	h.	PROPN
gujaf-254	501	17	(	(	PUNCT
gujaf-254	501	18	2018	2018	NUM
gujaf-254	501	19	)	)	PUNCT
gujaf-254	501	20	.	.	PUNCT
gujaf-254	502	1	innovative	innovative	ADJ
gujaf-254	502	2	financial	financial	ADJ
gujaf-254	502	3	technologies	technology	NOUN
gujaf-254	502	4	to	to	PART
gujaf-254	502	5	support	support	VERB
gujaf-254	502	6	livelihoods	livelihood	NOUN
gujaf-254	502	7	and	and	CCONJ
gujaf-254	502	8	economic	economic	ADJ
gujaf-254	502	9	outcomes	outcome	NOUN
gujaf-254	502	10	.	.	PUNCT
gujaf-254	503	1	k4d	k4d	PROPN
gujaf-254	503	2	helpdesk	helpdesk	NOUN
gujaf-254	503	3	report	report	NOUN
gujaf-254	503	4	.	.	PUNCT
gujaf-254	504	1	brighton	brighton	PROPN
gujaf-254	504	2	,	,	PUNCT
gujaf-254	504	3	uk	uk	PROPN
gujaf-254	504	4	:	:	PUNCT
gujaf-254	504	5	institute	institute	PROPN
gujaf-254	504	6	of	of	ADP
gujaf-254	504	7	development	development	NOUN
gujaf-254	504	8	studies	study	NOUN
gujaf-254	504	9	.	.	PUNCT
gujaf-254	505	1	he	he	PRON
gujaf-254	505	2	,	,	PUNCT
gujaf-254	505	3	z.	z.	PROPN
gujaf-254	505	4	,	,	PUNCT
gujaf-254	505	5	&	&	CCONJ
gujaf-254	505	6	song	song	PROPN
gujaf-254	505	7	,	,	PUNCT
gujaf-254	505	8	x.	x.	NOUN
gujaf-254	505	9	(	(	PUNCT
gujaf-254	505	10	2020	2020	NUM
gujaf-254	505	11	)	)	PUNCT
gujaf-254	505	12	.	.	PUNCT
gujaf-254	506	1	how	how	SCONJ
gujaf-254	506	2	does	do	AUX
gujaf-254	506	3	digital	digital	ADJ
gujaf-254	506	4	finance	finance	NOUN
gujaf-254	506	5	promote	promote	VERB
gujaf-254	506	6	household	household	NOUN
gujaf-254	506	7	consumption	consumption	NOUN
gujaf-254	506	8	:	:	PUNCT
gujaf-254	506	9	an	an	DET
gujaf-254	506	10	analysis	analysis	NOUN
gujaf-254	506	11	based	base	VERB
gujaf-254	506	12	on	on	ADP
gujaf-254	506	13	micro	micro	PROPN
gujaf-254	506	14	survey	survey	PROPN
gujaf-254	506	15	data	data	PROPN
gujaf-254	506	16	.	.	PUNCT
gujaf-254	507	1	china	china	PROPN
gujaf-254	507	2	finance	finance	PROPN
gujaf-254	507	3	and	and	CCONJ
gujaf-254	507	4	economic	economic	ADJ
gujaf-254	507	5	review	review	NOUN
gujaf-254	507	6	,	,	PUNCT
gujaf-254	507	7	9(4	9(4	NUM
gujaf-254	507	8	)	)	PUNCT
gujaf-254	507	9	,	,	PUNCT
gujaf-254	507	10	24	24	NUM
gujaf-254	507	11	-	-	SYM
gujaf-254	507	12	45	45	NUM
gujaf-254	507	13	.	.	PUNCT
gujaf-254	508	1	doi:10.1515	doi:10.1515	NOUN
gujaf-254	508	2	/	/	SYM
gujaf-254	508	3	cfer-2020090402	cfer-2020090402	NOUN
gujaf-254	508	4	kim	kim	PROPN
gujaf-254	508	5	,	,	PUNCT
gujaf-254	508	6	j.	j.	PROPN
gujaf-254	508	7	k.	k.	PROPN
gujaf-254	508	8	(	(	PUNCT
gujaf-254	508	9	2019	2019	NUM
gujaf-254	508	10	)	)	PUNCT
gujaf-254	508	11	.	.	PUNCT
gujaf-254	509	1	multicollinearity	multicollinearity	NOUN
gujaf-254	509	2	and	and	CCONJ
gujaf-254	509	3	misleading	mislead	VERB
gujaf-254	509	4	statistical	statistical	ADJ
gujaf-254	509	5	results	result	NOUN
gujaf-254	509	6	.	.	PUNCT
gujaf-254	510	1	korean	korean	ADJ
gujaf-254	510	2	journal	journal	PROPN
gujaf-254	510	3	of	of	ADP
gujaf-254	510	4	anesthesiology	anesthesiology	NOUN
gujaf-254	510	5	,	,	PUNCT
gujaf-254	510	6	72(6	72(6	NOUN
gujaf-254	510	7	)	)	PUNCT
gujaf-254	510	8	,	,	PUNCT
gujaf-254	510	9	558	558	NUM
gujaf-254	510	10	-	-	SYM
gujaf-254	510	11	569	569	NUM
gujaf-254	510	12	.	.	PUNCT
gujaf-254	511	1	krzysztof	krzysztof	PROPN
gujaf-254	511	2	,	,	PUNCT
gujaf-254	511	3	b.	b.	PROPN
gujaf-254	511	4	(	(	PUNCT
gujaf-254	511	5	2020	2020	NUM
gujaf-254	511	6	)	)	PUNCT
gujaf-254	511	7	.	.	PUNCT
gujaf-254	512	1	theories	theory	NOUN
gujaf-254	512	2	of	of	ADP
gujaf-254	512	3	financial	financial	ADJ
gujaf-254	512	4	innovation	innovation	NOUN
gujaf-254	512	5	.	.	PUNCT
gujaf-254	513	1	in	in	ADP
gujaf-254	513	2	education	education	NOUN
gujaf-254	513	3	excellence	excellence	PROPN
gujaf-254	513	4	and	and	CCONJ
gujaf-254	513	5	innovation	innovation	NOUN
gujaf-254	513	6	management	management	NOUN
gujaf-254	513	7	:	:	PUNCT
gujaf-254	513	8	a	a	DET
gujaf-254	513	9	2025	2025	NUM
gujaf-254	513	10	vision	vision	NOUN
gujaf-254	513	11	to	to	PART
gujaf-254	513	12	sustain	sustain	VERB
gujaf-254	513	13	economic	economic	ADJ
gujaf-254	513	14	development	development	NOUN
gujaf-254	513	15	during	during	ADP
gujaf-254	513	16	global	global	ADJ
gujaf-254	513	17	challenges	challenge	NOUN
gujaf-254	513	18	/	/	SYM
gujaf-254	513	19	soliman	soliman	PROPN
gujaf-254	513	20	khalid	khalid	PROPN
gujaf-254	513	21	s.	s.	PROPN
gujaf-254	513	22	(	(	PUNCT
gujaf-254	513	23	eds	eds	PROPN
gujaf-254	513	24	.	.	PUNCT
gujaf-254	513	25	)	)	PUNCT
gujaf-254	513	26	,	,	PUNCT
gujaf-254	513	27	2020	2020	NUM
gujaf-254	513	28	,	,	PUNCT
gujaf-254	513	29	international	international	ADJ
gujaf-254	513	30	business	business	NOUN
gujaf-254	513	31	information	information	PROPN
gujaf-254	513	32	management	management	PROPN
gujaf-254	513	33	association	association	PROPN
gujaf-254	513	34	(	(	PUNCT
gujaf-254	513	35	ibima	ibima	PROPN
gujaf-254	513	36	)	)	PUNCT
gujaf-254	513	37	,	,	PUNCT
gujaf-254	513	38	1540315409	1540315409	NUM
gujaf-254	513	39	https://www.gsma.com/mobilefordevelopment/wp	https://www.gsma.com/mobilefordevelopment/wp	NOUN
gujaf-254	513	40	207	207	NUM
gujaf-254	513	41	li	li	PROPN
gujaf-254	513	42	,	,	PUNCT
gujaf-254	513	43	j.	j.	PROPN
gujaf-254	513	44	,	,	PUNCT
gujaf-254	513	45	wu	wu	PROPN
gujaf-254	513	46	,	,	PUNCT
gujaf-254	513	47	y.	y.	PROPN
gujaf-254	513	48	,	,	PUNCT
gujaf-254	513	49	&	&	CCONJ
gujaf-254	513	50	xiao	xiao	PROPN
gujaf-254	513	51	,	,	PUNCT
gujaf-254	513	52	j.	j.	PROPN
gujaf-254	513	53	j.	j.	PROPN
gujaf-254	513	54	(	(	PUNCT
gujaf-254	513	55	2020	2020	NUM
gujaf-254	513	56	)	)	PUNCT
gujaf-254	513	57	.	.	PUNCT
gujaf-254	514	1	the	the	DET
gujaf-254	514	2	impact	impact	NOUN
gujaf-254	514	3	of	of	ADP
gujaf-254	514	4	digital	digital	ADJ
gujaf-254	514	5	finance	finance	NOUN
gujaf-254	514	6	on	on	ADP
gujaf-254	514	7	household	household	NOUN
gujaf-254	514	8	consumption	consumption	NOUN
gujaf-254	514	9	:	:	PUNCT
gujaf-254	514	10	evidence	evidence	NOUN
gujaf-254	514	11	from	from	ADP
gujaf-254	514	12	china	china	PROPN
gujaf-254	514	13	.	.	PUNCT
gujaf-254	515	1	economic	economic	ADJ
gujaf-254	515	2	modelling	modelling	NOUN
gujaf-254	515	3	,	,	PUNCT
gujaf-254	515	4	86	86	NUM
gujaf-254	515	5	,	,	PUNCT
gujaf-254	515	6	317	317	NUM
gujaf-254	515	7	-	-	SYM
gujaf-254	515	8	326	326	NUM
gujaf-254	515	9	.	.	PUNCT
gujaf-254	516	1	doi	doi	NOUN
gujaf-254	516	2	:	:	PUNCT
gujaf-254	516	3	10.1016	10.1016	NUM
gujaf-254	516	4	/	/	SYM
gujaf-254	516	5	j.econmod.2019.09.027	j.econmod.2019.09.027	PROPN
gujaf-254	516	6	lipsey	lipsey	PROPN
gujaf-254	516	7	,	,	PUNCT
gujaf-254	516	8	r.	r.	PROPN
gujaf-254	516	9	g.	g.	PROPN
gujaf-254	516	10	&	&	CCONJ
gujaf-254	516	11	lancaster	lancaster	PROPN
gujaf-254	516	12	,	,	PUNCT
gujaf-254	516	13	k.	k.	PROPN
gujaf-254	516	14	(	(	PUNCT
gujaf-254	516	15	1957	1957	NUM
gujaf-254	516	16	)	)	PUNCT
gujaf-254	516	17	.	.	PUNCT
gujaf-254	517	1	the	the	DET
gujaf-254	517	2	general	general	ADJ
gujaf-254	517	3	theory	theory	NOUN
gujaf-254	517	4	of	of	ADP
gujaf-254	517	5	second	second	ADJ
gujaf-254	517	6	best	well	ADV
gujaf-254	517	7	.	.	PUNCT
gujaf-254	518	1	the	the	DET
gujaf-254	518	2	review	review	NOUN
gujaf-254	518	3	of	of	ADP
gujaf-254	518	4	economic	economic	ADJ
gujaf-254	518	5	studies	study	NOUN
gujaf-254	518	6	,	,	PUNCT
gujaf-254	518	7	24	24	NUM
gujaf-254	518	8	(	(	PUNCT
gujaf-254	518	9	1	1	NUM
gujaf-254	518	10	)	)	PUNCT
gujaf-254	518	11	,	,	PUNCT
gujaf-254	518	12	11	11	NUM
gujaf-254	518	13	-	-	SYM
gujaf-254	518	14	32	32	NUM
gujaf-254	518	15	loaba	loaba	NOUN
gujaf-254	518	16	,	,	PUNCT
gujaf-254	518	17	s.	s.	PROPN
gujaf-254	518	18	(	(	PUNCT
gujaf-254	518	19	2021	2021	NUM
gujaf-254	518	20	)	)	PUNCT
gujaf-254	518	21	.	.	PUNCT
gujaf-254	519	1	the	the	DET
gujaf-254	519	2	impact	impact	NOUN
gujaf-254	519	3	of	of	ADP
gujaf-254	519	4	mobile	mobile	ADJ
gujaf-254	519	5	banking	banking	NOUN
gujaf-254	519	6	services	service	NOUN
gujaf-254	519	7	on	on	ADP
gujaf-254	519	8	saving	save	VERB
gujaf-254	519	9	behaviour	behaviour	NOUN
gujaf-254	519	10	in	in	ADP
gujaf-254	519	11	west	west	PROPN
gujaf-254	519	12	africa	africa	PROPN
gujaf-254	519	13	global	global	PROPN
gujaf-254	519	14	finance	finance	PROPN
gujaf-254	519	15	journal	journal	NOUN
gujaf-254	519	16	,	,	PUNCT
gujaf-254	519	17	article	article	NOUN
gujaf-254	519	18	in	in	ADP
gujaf-254	519	19	press	press	NOUN
gujaf-254	519	20	.	.	PUNCT
gujaf-254	520	1	https://doi.org/10.1016/j.gfj.2021.100620	https://doi.org/10.1016/j.gfj.2021.100620	PROPN
gujaf-254	520	2	mbuthia	mbuthia	PROPN
gujaf-254	520	3	,	,	PUNCT
gujaf-254	520	4	a.	a.	PROPN
gujaf-254	520	5	n.	n.	PROPN
gujaf-254	520	6	&	&	CCONJ
gujaf-254	520	7	ndiritu	ndiritu	PROPN
gujaf-254	520	8	,	,	PUNCT
gujaf-254	520	9	a.	a.	PROPN
gujaf-254	520	10	w.	w.	PROPN
gujaf-254	520	11	(	(	PUNCT
gujaf-254	520	12	2020	2020	NUM
gujaf-254	520	13	)	)	PUNCT
gujaf-254	520	14	.	.	PUNCT
gujaf-254	521	1	mobilization	mobilization	NOUN
gujaf-254	521	2	of	of	ADP
gujaf-254	521	3	domestic	domestic	ADJ
gujaf-254	521	4	savings	saving	NOUN
gujaf-254	521	5	in	in	ADP
gujaf-254	521	6	formal	formal	ADJ
gujaf-254	521	7	financial	financial	ADJ
gujaf-254	521	8	institutions	institution	NOUN
gujaf-254	521	9	:	:	PUNCT
gujaf-254	521	10	the	the	DET
gujaf-254	521	11	missing	miss	VERB
gujaf-254	521	12	link	link	NOUN
gujaf-254	521	13	to	to	ADP
gujaf-254	521	14	economic	economic	ADJ
gujaf-254	521	15	growth	growth	NOUN
gujaf-254	521	16	.	.	PUNCT
gujaf-254	522	1	international	international	ADJ
gujaf-254	522	2	journal	journal	PROPN
gujaf-254	522	3	of	of	ADP
gujaf-254	522	4	business	business	NOUN
gujaf-254	522	5	and	and	CCONJ
gujaf-254	522	6	social	social	ADJ
gujaf-254	522	7	science	science	NOUN
gujaf-254	522	8	,	,	PUNCT
gujaf-254	522	9	11(3	11(3	NUM
gujaf-254	522	10	)	)	PUNCT
gujaf-254	522	11	,	,	PUNCT
gujaf-254	522	12	69	69	NUM
gujaf-254	522	13	-	-	SYM
gujaf-254	522	14	78	78	NUM
gujaf-254	522	15	.	.	PUNCT
gujaf-254	523	1	moenjak	moenjak	ADV
gujaf-254	523	2	,	,	PUNCT
gujaf-254	523	3	t.	t.	PROPN
gujaf-254	523	4	,	,	PUNCT
gujaf-254	523	5	kongrprajya	kongrprajya	PROPN
gujaf-254	523	6	,	,	PUNCT
gujaf-254	523	7	a.	a.	PROPN
gujaf-254	523	8	,	,	PUNCT
gujaf-254	523	9	&	&	CCONJ
gujaf-254	523	10	monchaitrakul	monchaitrakul	PROPN
gujaf-254	523	11	,	,	PUNCT
gujaf-254	523	12	c.	c.	PROPN
gujaf-254	523	13	(	(	PUNCT
gujaf-254	523	14	2020	2020	NUM
gujaf-254	523	15	)	)	PUNCT
gujaf-254	523	16	.	.	PUNCT
gujaf-254	524	1	fintech	fintech	NOUN
gujaf-254	524	2	,	,	PUNCT
gujaf-254	524	3	financial	financial	ADJ
gujaf-254	524	4	literacy	literacy	NOUN
gujaf-254	524	5	and	and	CCONJ
gujaf-254	524	6	consumer	consumer	NOUN
gujaf-254	524	7	saving	saving	NOUN
gujaf-254	524	8	and	and	CCONJ
gujaf-254	524	9	borrowing	borrowing	NOUN
gujaf-254	524	10	:	:	PUNCT
gujaf-254	524	11	the	the	DET
gujaf-254	524	12	case	case	NOUN
gujaf-254	524	13	of	of	ADP
gujaf-254	524	14	thailand	thailand	PROPN
gujaf-254	524	15	.	.	PUNCT
gujaf-254	525	1	adbi	adbi	ADJ
gujaf-254	525	2	working	working	PROPN
gujaf-254	525	3	paper	paper	NOUN
gujaf-254	525	4	1100	1100	NUM
gujaf-254	525	5	.	.	PUNCT
gujaf-254	526	1	doi	doi	NOUN
gujaf-254	526	2	:	:	PUNCT
gujaf-254	526	3	https://www.adb.org/publications/fintech-financial-literacy-consumersaving-borrowingthailand	https://www.adb.org/publications/fintech-financial-literacy-consumersaving-borrowingthailand	PROPN
gujaf-254	526	4	odejimi	odejimi	PROPN
gujaf-254	526	5	,	,	PUNCT
gujaf-254	526	6	d.o	d.o	PROPN
gujaf-254	526	7	.	.	PROPN
gujaf-254	526	8	&	&	CCONJ
gujaf-254	526	9	edogiawerie	edogiawerie	PROPN
gujaf-254	526	10	,	,	PUNCT
gujaf-254	526	11	m.n	m.n	PROPN
gujaf-254	526	12	.	.	PROPN
gujaf-254	526	13	(	(	PUNCT
gujaf-254	526	14	2019	2019	NUM
gujaf-254	526	15	)	)	PUNCT
gujaf-254	526	16	.	.	PUNCT
gujaf-254	527	1	microfinance	microfinance	NOUN
gujaf-254	527	2	banks	bank	NOUN
gujaf-254	527	3	and	and	CCONJ
gujaf-254	527	4	savings	saving	NOUN
gujaf-254	527	5	mobilization	mobilization	NOUN
gujaf-254	527	6	:	:	PUNCT
gujaf-254	527	7	case	case	NOUN
gujaf-254	527	8	study	study	NOUN
gujaf-254	527	9	of	of	ADP
gujaf-254	527	10	abc	abc	PROPN
gujaf-254	527	11	microfinance	microfinance	PROPN
gujaf-254	527	12	bank	bank	PROPN
gujaf-254	527	13	okada	okada	PROPN
gujaf-254	527	14	,	,	PUNCT
gujaf-254	527	15	edo	edo	PROPN
gujaf-254	527	16	state	state	PROPN
gujaf-254	527	17	,	,	PUNCT
gujaf-254	527	18	nigeria	nigeria	PROPN
gujaf-254	527	19	.	.	PUNCT
gujaf-254	528	1	iosr	iosr	PROPN
gujaf-254	528	2	journal	journal	PROPN
gujaf-254	528	3	of	of	ADP
gujaf-254	528	4	economics	economic	NOUN
gujaf-254	528	5	and	and	CCONJ
gujaf-254	528	6	finance	finance	NOUN
gujaf-254	528	7	(	(	PUNCT
gujaf-254	528	8	iosr	iosr	NOUN
gujaf-254	528	9	-	-	PUNCT
gujaf-254	528	10	jef	jef	PROPN
gujaf-254	528	11	)	)	PUNCT
gujaf-254	528	12	,	,	PUNCT
gujaf-254	528	13	10(2	10(2	NUM
gujaf-254	528	14	)	)	PUNCT
gujaf-254	528	15	,	,	PUNCT
gujaf-254	528	16	71	71	NUM
gujaf-254	528	17	-	-	SYM
gujaf-254	528	18	77	77	NUM
gujaf-254	528	19	.	.	PUNCT
gujaf-254	529	1	olofin	olofin	NOUN
gujaf-254	529	2	,	,	PUNCT
gujaf-254	530	1	s.	s.	PROPN
gujaf-254	530	2	o.	o.	PROPN
gujaf-254	530	3	(	(	PUNCT
gujaf-254	530	4	2001	2001	NUM
gujaf-254	530	5	)	)	PUNCT
gujaf-254	530	6	.	.	PUNCT
gujaf-254	531	1	an	an	DET
gujaf-254	531	2	introduction	introduction	NOUN
gujaf-254	531	3	to	to	ADP
gujaf-254	531	4	macroeconomics	macroeconomic	NOUN
gujaf-254	531	5	.	.	PUNCT
gujaf-254	532	1	malthouse	malthouse	PROPN
gujaf-254	532	2	press	press	PROPN
gujaf-254	532	3	ltd	ltd	PROPN
gujaf-254	532	4	,	,	PUNCT
gujaf-254	532	5	ikeja	ikeja	NOUN
gujaf-254	532	6	,	,	PUNCT
gujaf-254	532	7	lagos	lago	NOUN
gujaf-254	532	8	:	:	PUNCT
gujaf-254	532	9	53	53	NUM
gujaf-254	532	10	-	-	SYM
gujaf-254	532	11	112	112	NUM
gujaf-254	532	12	ouma	ouma	NOUN
gujaf-254	532	13	,	,	PUNCT
gujaf-254	532	14	s.	s.	PROPN
gujaf-254	532	15	a.	a.	PROPN
gujaf-254	532	16	,	,	PUNCT
gujaf-254	532	17	odongo	odongo	NOUN
gujaf-254	532	18	,	,	PUNCT
gujaf-254	532	19	t.	t.	PROPN
gujaf-254	532	20	m.	m.	PROPN
gujaf-254	532	21	&	&	CCONJ
gujaf-254	532	22	were	be	AUX
gujaf-254	532	23	,	,	PUNCT
gujaf-254	532	24	m.	m.	NOUN
gujaf-254	532	25	(	(	PUNCT
gujaf-254	532	26	2017	2017	NUM
gujaf-254	532	27	)	)	PUNCT
gujaf-254	532	28	.	.	PUNCT
gujaf-254	533	1	mobile	mobile	ADJ
gujaf-254	533	2	financial	financial	ADJ
gujaf-254	533	3	services	service	NOUN
gujaf-254	533	4	and	and	CCONJ
gujaf-254	533	5	financial	financial	ADJ
gujaf-254	533	6	inclusion	inclusion	NOUN
gujaf-254	533	7	is	be	AUX
gujaf-254	533	8	it	it	PRON
gujaf-254	533	9	a	a	DET
gujaf-254	533	10	boon	boon	NOUN
gujaf-254	533	11	for	for	ADP
gujaf-254	533	12	savings	saving	NOUN
gujaf-254	533	13	mobilisation	mobilisation	NOUN
gujaf-254	533	14	.	.	PUNCT
gujaf-254	534	1	review	review	NOUN
gujaf-254	534	2	of	of	ADP
gujaf-254	534	3	development	development	NOUN
gujaf-254	534	4	finance	finance	NOUN
gujaf-254	534	5	7	7	NUM
gujaf-254	534	6	,	,	PUNCT
gujaf-254	534	7	29	29	NUM
gujaf-254	534	8	–	–	SYM
gujaf-254	534	9	35	35	NUM
gujaf-254	534	10	.	.	PUNCT
gujaf-254	534	11	ozili	ozili	NOUN
gujaf-254	534	12	,	,	PUNCT
gujaf-254	534	13	p.	p.	PROPN
gujaf-254	534	14	k.	k.	PROPN
gujaf-254	535	1	(	(	PUNCT
gujaf-254	535	2	2018	2018	NUM
gujaf-254	535	3	)	)	PUNCT
gujaf-254	535	4	.	.	PUNCT
gujaf-254	536	1	impact	impact	NOUN
gujaf-254	536	2	of	of	ADP
gujaf-254	536	3	digital	digital	ADJ
gujaf-254	536	4	finance	finance	NOUN
gujaf-254	536	5	on	on	ADP
gujaf-254	536	6	financial	financial	ADJ
gujaf-254	536	7	inclusion	inclusion	NOUN
gujaf-254	536	8	and	and	CCONJ
gujaf-254	536	9	stability	stability	NOUN
gujaf-254	536	10	,	,	PUNCT
gujaf-254	536	11	borsa	borsa	PROPN
gujaf-254	536	12	istanbul	istanbul	PROPN
gujaf-254	536	13	review	review	PROPN
gujaf-254	536	14	,	,	PUNCT
gujaf-254	536	15	18(4	18(4	NUM
gujaf-254	536	16	)	)	PUNCT
gujaf-254	536	17	,	,	PUNCT
gujaf-254	536	18	329	329	NUM
gujaf-254	536	19	-	-	SYM
gujaf-254	536	20	340	340	NUM
gujaf-254	536	21	.	.	PUNCT
gujaf-254	537	1	peng	peng	PROPN
gujaf-254	537	2	,	,	PUNCT
gujaf-254	537	3	p.	p.	PROPN
gujaf-254	537	4	,	,	PUNCT
gujaf-254	537	5	&	&	CCONJ
gujaf-254	537	6	mao	mao	PROPN
gujaf-254	537	7	,	,	PUNCT
gujaf-254	537	8	h.	h.	PROPN
gujaf-254	537	9	(	(	PUNCT
gujaf-254	537	10	2023	2023	NUM
gujaf-254	537	11	)	)	PUNCT
gujaf-254	537	12	.	.	PUNCT
gujaf-254	538	1	the	the	DET
gujaf-254	538	2	effect	effect	NOUN
gujaf-254	538	3	of	of	ADP
gujaf-254	538	4	digital	digital	ADJ
gujaf-254	538	5	financial	financial	ADJ
gujaf-254	538	6	inclusion	inclusion	NOUN
gujaf-254	538	7	on	on	ADP
gujaf-254	538	8	relative	relative	ADJ
gujaf-254	538	9	poverty	poverty	NOUN
gujaf-254	538	10	among	among	ADP
gujaf-254	538	11	urban	urban	ADJ
gujaf-254	538	12	households	household	NOUN
gujaf-254	538	13	:	:	PUNCT
gujaf-254	538	14	a	a	DET
gujaf-254	538	15	case	case	NOUN
gujaf-254	538	16	study	study	NOUN
gujaf-254	538	17	on	on	ADP
gujaf-254	538	18	china	china	PROPN
gujaf-254	538	19	.	.	PUNCT
gujaf-254	539	1	social	social	ADJ
gujaf-254	539	2	indicators	indicator	NOUN
gujaf-254	539	3	research	research	NOUN
gujaf-254	539	4	,	,	PUNCT
gujaf-254	539	5	165	165	NUM
gujaf-254	539	6	,	,	PUNCT
gujaf-254	539	7	377	377	NUM
gujaf-254	539	8	-	-	SYM
gujaf-254	539	9	407	407	NUM
gujaf-254	539	10	.	.	PUNCT
gujaf-254	540	1	rashid	rashid	PROPN
gujaf-254	540	2	,	,	PUNCT
gujaf-254	540	3	m.	m.	NOUN
gujaf-254	540	4	h.	h.	PROPN
gujaf-254	540	5	(	(	PUNCT
gujaf-254	540	6	2020	2020	NUM
gujaf-254	540	7	)	)	PUNCT
gujaf-254	540	8	.	.	PUNCT
gujaf-254	541	1	prospects	prospect	NOUN
gujaf-254	541	2	of	of	ADP
gujaf-254	541	3	digital	digital	ADJ
gujaf-254	541	4	financial	financial	ADJ
gujaf-254	541	5	services	service	NOUN
gujaf-254	541	6	in	in	ADP
gujaf-254	541	7	bangladesh	bangladesh	NOUN
gujaf-254	541	8	in	in	ADP
gujaf-254	541	9	the	the	DET
gujaf-254	541	10	context	context	NOUN
gujaf-254	541	11	of	of	ADP
gujaf-254	541	12	fourth	fourth	ADJ
gujaf-254	541	13	industrial	industrial	ADJ
gujaf-254	541	14	revolution	revolution	NOUN
gujaf-254	541	15	.	.	PUNCT
gujaf-254	542	1	asian	asian	ADJ
gujaf-254	542	2	journal	journal	PROPN
gujaf-254	542	3	of	of	ADP
gujaf-254	542	4	social	social	ADJ
gujaf-254	542	5	sciences	science	NOUN
gujaf-254	542	6	and	and	CCONJ
gujaf-254	542	7	legal	legal	ADJ
gujaf-254	542	8	studies	study	NOUN
gujaf-254	542	9	,	,	PUNCT
gujaf-254	542	10	2(5	2(5	NUM
gujaf-254	542	11	)	)	PUNCT
gujaf-254	542	12	,	,	PUNCT
gujaf-254	542	13	88	88	NUM
gujaf-254	542	14	-	-	SYM
gujaf-254	542	15	95	95	NUM
gujaf-254	542	16	.	.	PUNCT
gujaf-254	543	1	rodriguez	rodriguez	PROPN
gujaf-254	543	2	,	,	PUNCT
gujaf-254	543	3	c.	c.	PROPN
gujaf-254	543	4	&	&	CCONJ
gujaf-254	543	5	conrad	conrad	PROPN
gujaf-254	543	6	,	,	PUNCT
gujaf-254	543	7	j.	j.	PROPN
gujaf-254	543	8	(	(	PUNCT
gujaf-254	543	9	2018	2018	NUM
gujaf-254	543	10	)	)	PUNCT
gujaf-254	543	11	.	.	PUNCT
gujaf-254	544	1	aligning	align	VERB
gujaf-254	544	2	expectations	expectation	NOUN
gujaf-254	544	3	:	:	PUNCT
gujaf-254	544	4	the	the	DET
gujaf-254	544	5	business	business	NOUN
gujaf-254	544	6	case	case	NOUN
gujaf-254	544	7	for	for	ADP
gujaf-254	544	8	digital	digital	ADJ
gujaf-254	544	9	financial	financial	ADJ
gujaf-254	544	10	services	service	NOUN
gujaf-254	544	11	.	.	PUNCT
gujaf-254	545	1	best	good	ADJ
gujaf-254	545	2	practice	practice	VERB
gujaf-254	545	3	financial	financial	ADJ
gujaf-254	545	4	modeling	modeling	NOUN
gujaf-254	545	5	for	for	ADP
gujaf-254	545	6	financial	financial	ADJ
gujaf-254	545	7	institutions	institution	NOUN
gujaf-254	545	8	.	.	PUNCT
gujaf-254	546	1	prepared	prepare	VERB
gujaf-254	546	2	for	for	ADP
gujaf-254	546	3	ifc	ifc	NOUN
gujaf-254	546	4	and	and	CCONJ
gujaf-254	546	5	mastercard	mastercard	PROPN
gujaf-254	546	6	foundation	foundation	PROPN
gujaf-254	546	7	.	.	PUNCT
gujaf-254	547	1	rogers	rogers	PROPN
gujaf-254	547	2	,	,	PUNCT
gujaf-254	547	3	e.m	e.m	PROPN
gujaf-254	547	4	.	.	PROPN
gujaf-254	547	5	(	(	PUNCT
gujaf-254	547	6	1962	1962	NUM
gujaf-254	547	7	)	)	PUNCT
gujaf-254	547	8	.	.	PUNCT
gujaf-254	548	1	diffusion	diffusion	NOUN
gujaf-254	548	2	of	of	ADP
gujaf-254	548	3	innovations	innovation	NOUN
gujaf-254	548	4	.	.	PUNCT
gujaf-254	549	1	free	free	ADJ
gujaf-254	549	2	press	press	PROPN
gujaf-254	549	3	,	,	PUNCT
gujaf-254	549	4	new	new	PROPN
gujaf-254	549	5	york	york	PROPN
gujaf-254	549	6	.	.	PUNCT
gujaf-254	550	1	silber	silber	PROPN
gujaf-254	550	2	,	,	PUNCT
gujaf-254	550	3	w.	w.	PROPN
gujaf-254	550	4	l.	l.	PROPN
gujaf-254	550	5	(	(	PUNCT
gujaf-254	550	6	1983	1983	NUM
gujaf-254	550	7	)	)	PUNCT
gujaf-254	550	8	.	.	PUNCT
gujaf-254	551	1	the	the	DET
gujaf-254	551	2	process	process	NOUN
gujaf-254	551	3	of	of	ADP
gujaf-254	551	4	financial	financial	ADJ
gujaf-254	551	5	innovation	innovation	NOUN
gujaf-254	551	6	.	.	PUNCT
gujaf-254	552	1	american	american	PROPN
gujaf-254	552	2	economic	economic	PROPN
gujaf-254	552	3	review	review	PROPN
gujaf-254	552	4	,	,	PUNCT
gujaf-254	552	5	american	american	PROPN
gujaf-254	552	6	economic	economic	PROPN
gujaf-254	552	7	association	association	PROPN
gujaf-254	552	8	,	,	PUNCT
gujaf-254	552	9	73(2	73(2	NUM
gujaf-254	552	10	)	)	PUNCT
gujaf-254	552	11	,	,	PUNCT
gujaf-254	552	12	89	89	NUM
gujaf-254	552	13	-	-	SYM
gujaf-254	552	14	95	95	NUM
gujaf-254	552	15	.	.	PUNCT
gujaf-254	553	1	208	208	NUM
gujaf-254	553	2	simatele	simatele	PROPN
gujaf-254	553	3	,	,	PUNCT
gujaf-254	553	4	m.c	m.c	PROPN
gujaf-254	553	5	.	.	PROPN
gujaf-254	553	6	(	(	PUNCT
gujaf-254	553	7	2021	2021	NUM
gujaf-254	553	8	)	)	PUNCT
gujaf-254	553	9	.	.	PUNCT
gujaf-254	554	1	financial	financial	ADJ
gujaf-254	554	2	inclusion	inclusion	NOUN
gujaf-254	554	3	and	and	CCONJ
gujaf-254	554	4	poverty	poverty	NOUN
gujaf-254	554	5	:	:	PUNCT
gujaf-254	554	6	the	the	DET
gujaf-254	554	7	transmission	transmission	NOUN
gujaf-254	554	8	mechanisms	mechanism	NOUN
gujaf-254	554	9	,	,	PUNCT
gujaf-254	554	10	in	in	ADP
gujaf-254	554	11	simatele	simatele	PROPN
gujaf-254	554	12	,	,	PUNCT
gujaf-254	554	13	m.c	m.c	PROPN
gujaf-254	554	14	.	.	PROPN
gujaf-254	555	1	(	(	PUNCT
gujaf-254	555	2	ed	ed	NOUN
gujaf-254	555	3	.	.	PUNCT
gujaf-254	555	4	)	)	PUNCT
gujaf-254	555	5	,	,	PUNCT
gujaf-254	555	6	financial	financial	ADJ
gujaf-254	555	7	inclusion	inclusion	NOUN
gujaf-254	555	8	:	:	PUNCT
gujaf-254	555	9	basic	basic	ADJ
gujaf-254	555	10	theories	theory	NOUN
gujaf-254	555	11	and	and	CCONJ
gujaf-254	555	12	empirical	empirical	ADJ
gujaf-254	555	13	evidence	evidence	NOUN
gujaf-254	555	14	from	from	ADP
gujaf-254	555	15	african	african	ADJ
gujaf-254	555	16	countries	country	NOUN
gujaf-254	555	17	,	,	PUNCT
gujaf-254	555	18	9–34	9–34	NOUN
gujaf-254	555	19	,	,	PUNCT
gujaf-254	555	20	aosis	aosis	NOUN
gujaf-254	555	21	,	,	PUNCT
gujaf-254	555	22	cape	cape	NOUN
gujaf-254	555	23	town	town	NOUN
gujaf-254	555	24	.	.	PUNCT
gujaf-254	556	1	https://doi.org/10.4102/aosis.2021.bk255.02	https://doi.org/10.4102/aosis.2021.bk255.02	PROPN
gujaf-254	556	2	tella	tella	PROPN
gujaf-254	556	3	,	,	PUNCT
gujaf-254	556	4	s.	s.	PROPN
gujaf-254	556	5	(	(	PUNCT
gujaf-254	556	6	2023	2023	NUM
gujaf-254	556	7	,	,	PUNCT
gujaf-254	556	8	march	march	PROPN
gujaf-254	556	9	27	27	NUM
gujaf-254	556	10	)	)	PUNCT
gujaf-254	556	11	.	.	PUNCT
gujaf-254	557	1	nexus	nexus	NOUN
gujaf-254	557	2	between	between	ADP
gujaf-254	557	3	domestic	domestic	ADJ
gujaf-254	557	4	savings	saving	NOUN
gujaf-254	557	5	and	and	CCONJ
gujaf-254	557	6	investment	investment	NOUN
gujaf-254	557	7	.	.	PUNCT
gujaf-254	558	1	the	the	DET
gujaf-254	558	2	punch	punch	NOUN
gujaf-254	558	3	.	.	PUNCT
gujaf-254	559	1	https://punchng.com/nexus-between-domestic-savings-andinvestments/?utm_source=auto-read-also&utm_medium=web&amp	https://punchng.com/nexus-between-domestic-savings-andinvestments/?utm_source=auto-read-also&utm_medium=web&amp	VERB
gujaf-254	559	2	telukdarie	telukdarie	VERB
gujaf-254	559	3	,	,	PUNCT
gujaf-254	559	4	a.	a.	NOUN
gujaf-254	559	5	&	&	CCONJ
gujaf-254	559	6	mungar	mungar	PROPN
gujaf-254	559	7	,	,	PUNCT
gujaf-254	559	8	a.	a.	NOUN
gujaf-254	559	9	(	(	PUNCT
gujaf-254	559	10	2022	2022	NUM
gujaf-254	559	11	)	)	PUNCT
gujaf-254	559	12	the	the	DET
gujaf-254	559	13	impact	impact	NOUN
gujaf-254	559	14	of	of	ADP
gujaf-254	559	15	digital	digital	ADJ
gujaf-254	559	16	financial	financial	ADJ
gujaf-254	559	17	technology	technology	NOUN
gujaf-254	559	18	on	on	ADP
gujaf-254	559	19	accelerating	accelerate	VERB
gujaf-254	559	20	financial	financial	ADJ
gujaf-254	559	21	inclusion	inclusion	NOUN
gujaf-254	559	22	in	in	ADP
gujaf-254	559	23	developing	develop	VERB
gujaf-254	559	24	economies	economy	NOUN
gujaf-254	559	25	.	.	PUNCT
gujaf-254	560	1	procedia	procedia	NOUN
gujaf-254	560	2	computer	computer	NOUN
gujaf-254	560	3	science	science	NOUN
gujaf-254	560	4	,	,	PUNCT
gujaf-254	560	5	217	217	NUM
gujaf-254	560	6	(	(	PUNCT
gujaf-254	560	7	2023	2023	NUM
gujaf-254	560	8	)	)	PUNCT
gujaf-254	560	9	,	,	PUNCT
gujaf-254	561	1	670–678	670–678	NUM
gujaf-254	561	2	.	.	PUNCT
gujaf-254	562	1	ugwuanyi	ugwuanyi	PROPN
gujaf-254	562	2	,	,	PUNCT
gujaf-254	562	3	g.o	g.o	PROPN
gujaf-254	562	4	.	.	PROPN
gujaf-254	562	5	,	,	PUNCT
gujaf-254	562	6	okon	okon	PROPN
gujaf-254	562	7	,	,	PUNCT
gujaf-254	562	8	u.e	u.e	PROPN
gujaf-254	562	9	.	.	PROPN
gujaf-254	562	10	,	,	PUNCT
gujaf-254	562	11	&	&	CCONJ
gujaf-254	562	12	anene	anene	PROPN
gujaf-254	562	13	,	,	PUNCT
gujaf-254	562	14	e.c	e.c	PROPN
gujaf-254	562	15	.	.	PROPN
gujaf-254	562	16	(	(	PUNCT
gujaf-254	562	17	2020	2020	NUM
gujaf-254	562	18	)	)	PUNCT
gujaf-254	562	19	.	.	PUNCT
gujaf-254	563	1	investigating	investigate	VERB
gujaf-254	563	2	the	the	DET
gujaf-254	563	3	impact	impact	NOUN
gujaf-254	563	4	of	of	ADP
gujaf-254	563	5	digital	digital	ADJ
gujaf-254	563	6	finance	finance	NOUN
gujaf-254	563	7	on	on	ADP
gujaf-254	563	8	money	money	NOUN
gujaf-254	563	9	supply	supply	NOUN
gujaf-254	563	10	in	in	ADP
gujaf-254	563	11	nigeria	nigeria	PROPN
gujaf-254	563	12	.	.	PUNCT
gujaf-254	564	1	nigerian	nigerian	PROPN
gujaf-254	564	2	journal	journal	PROPN
gujaf-254	564	3	of	of	ADP
gujaf-254	564	4	banking	banking	NOUN
gujaf-254	564	5	and	and	CCONJ
gujaf-254	564	6	finance	finance	NOUN
gujaf-254	564	7	,	,	PUNCT
gujaf-254	564	8	12(1	12(1	NUM
gujaf-254	564	9	)	)	PUNCT
gujaf-254	564	10	,	,	PUNCT
gujaf-254	564	11	47	47	NUM
gujaf-254	564	12	-	-	SYM
gujaf-254	564	13	55	55	NUM
gujaf-254	564	14	.	.	PUNCT
gujaf-254	565	1	varlamova	varlamova	PROPN
gujaf-254	565	2	,	,	PUNCT
gujaf-254	565	3	j.	j.	PROPN
gujaf-254	565	4	,	,	PUNCT
gujaf-254	565	5	larionova	larionova	PROPN
gujaf-254	565	6	,	,	PUNCT
gujaf-254	565	7	n.	n.	NOUN
gujaf-254	565	8	,	,	PUNCT
gujaf-254	565	9	&	&	CCONJ
gujaf-254	565	10	zulfakarova	zulfakarova	PROPN
gujaf-254	565	11	,	,	PUNCT
gujaf-254	565	12	l.	l.	PROPN
gujaf-254	565	13	(	(	PUNCT
gujaf-254	565	14	2020	2020	NUM
gujaf-254	565	15	)	)	PUNCT
gujaf-254	565	16	.	.	PUNCT
gujaf-254	566	1	digital	digital	ADJ
gujaf-254	566	2	technologies	technology	NOUN
gujaf-254	566	3	and	and	CCONJ
gujaf-254	566	4	saving	save	VERB
gujaf-254	566	5	behavior	behavior	NOUN
gujaf-254	566	6	.	.	PUNCT
gujaf-254	567	1	advances	advance	NOUN
gujaf-254	567	2	in	in	ADP
gujaf-254	567	3	economic	economic	ADJ
gujaf-254	567	4	,	,	PUNCT
gujaf-254	567	5	business	business	NOUN
gujaf-254	567	6	and	and	CCONJ
gujaf-254	567	7	management	management	NOUN
gujaf-254	567	8	research	research	NOUN
gujaf-254	567	9	,	,	PUNCT
gujaf-254	567	10	128	128	NUM
gujaf-254	567	11	,	,	PUNCT
gujaf-254	567	12	1661	1661	NUM
gujaf-254	567	13	-	-	SYM
gujaf-254	567	14	1667	1667	NUM
gujaf-254	567	15	.	.	PUNCT
gujaf-254	568	1	wezel	wezel	ADJ
gujaf-254	568	2	,	,	PUNCT
gujaf-254	568	3	t.	t.	PROPN
gujaf-254	568	4	&	&	CCONJ
gujaf-254	568	5	ree	ree	PROPN
gujaf-254	568	6	,	,	PUNCT
gujaf-254	568	7	j.	j.	PROPN
gujaf-254	568	8	j.	j.	PROPN
gujaf-254	568	9	k.	k.	PROPN
gujaf-254	568	10	(	(	PUNCT
gujaf-254	568	11	2023	2023	NUM
gujaf-254	568	12	)	)	PUNCT
gujaf-254	568	13	.	.	PUNCT
gujaf-254	569	1	nigeria	nigeria	PROPN
gujaf-254	569	2	—	—	PUNCT
gujaf-254	569	3	fostering	foster	VERB
gujaf-254	569	4	financial	financial	ADJ
gujaf-254	569	5	inclusion	inclusion	NOUN
gujaf-254	569	6	through	through	ADP
gujaf-254	569	7	digital	digital	ADJ
gujaf-254	569	8	financial	financial	ADJ
gujaf-254	569	9	services	service	NOUN
gujaf-254	569	10	,	,	PUNCT
gujaf-254	569	11	imf	imf	PROPN
gujaf-254	569	12	selected	select	VERB
gujaf-254	569	13	issues	issue	NOUN
gujaf-254	569	14	paper	paper	NOUN
gujaf-254	569	15	.	.	PUNCT
gujaf-254	570	1	world	world	PROPN
gujaf-254	570	2	bank	bank	PROPN
gujaf-254	570	3	group	group	NOUN
gujaf-254	570	4	,	,	PUNCT
gujaf-254	570	5	(	(	PUNCT
gujaf-254	570	6	2020	2020	NUM
gujaf-254	570	7	)	)	PUNCT
gujaf-254	570	8	.	.	PUNCT
gujaf-254	571	1	digital	digital	ADJ
gujaf-254	571	2	financial	financial	ADJ
gujaf-254	571	3	services	service	NOUN
gujaf-254	571	4	,	,	PUNCT
gujaf-254	571	5	world	world	NOUN
gujaf-254	571	6	bank	bank	NOUN
gujaf-254	571	7	.	.	PUNCT
gujaf-254	572	1	http://pubdocs.worldbank.org/en/230281588169110691/digital-financialservices.pdf	http://pubdocs.worldbank.org/en/230281588169110691/digital-financialservices.pdf	PROPN
gujaf-254	572	2	yu	yu	PROPN
gujaf-254	572	3	,	,	PUNCT
gujaf-254	572	4	c.	c.	PROPN
gujaf-254	572	5	,	,	PUNCT
gujaf-254	572	6	jia	jia	PROPN
gujaf-254	572	7	,	,	PUNCT
gujaf-254	572	8	n.	n.	PROPN
gujaf-254	572	9	,	,	PUNCT
gujaf-254	572	10	li	li	PROPN
gujaf-254	572	11	,	,	PUNCT
gujaf-254	572	12	w.	w.	PROPN
gujaf-254	572	13	,	,	PUNCT
gujaf-254	572	14	&	&	CCONJ
gujaf-254	572	15	wu	wu	PROPN
gujaf-254	572	16	,	,	PUNCT
gujaf-254	572	17	r.	r.	PROPN
gujaf-254	572	18	(	(	PUNCT
gujaf-254	572	19	2022	2022	NUM
gujaf-254	572	20	)	)	PUNCT
gujaf-254	572	21	.	.	PUNCT
gujaf-254	573	1	digital	digital	ADJ
gujaf-254	573	2	inclusive	inclusive	ADJ
gujaf-254	573	3	finance	finance	NOUN
gujaf-254	573	4	and	and	CCONJ
gujaf-254	573	5	rural	rural	ADJ
gujaf-254	573	6	consumption	consumption	NOUN
gujaf-254	573	7	structure	structure	NOUN
gujaf-254	573	8	evidence	evidence	NOUN
gujaf-254	573	9	from	from	ADP
gujaf-254	573	10	peking	peke	VERB
gujaf-254	573	11	university	university	NOUN
gujaf-254	573	12	digital	digital	PROPN
gujaf-254	573	13	inclusive	inclusive	ADJ
gujaf-254	573	14	financial	financial	ADJ
gujaf-254	573	15	index	index	NOUN
gujaf-254	573	16	and	and	CCONJ
gujaf-254	573	17	china	china	PROPN
gujaf-254	573	18	household	household	NOUN
gujaf-254	573	19	finance	finance	NOUN
gujaf-254	573	20	survey	survey	NOUN
gujaf-254	573	21	.	.	PUNCT
gujaf-254	574	1	china	china	PROPN
gujaf-254	574	2	agricultural	agricultural	PROPN
gujaf-254	574	3	economic	economic	PROPN
gujaf-254	574	4	review	review	PROPN
gujaf-254	574	5	,	,	PUNCT
gujaf-254	574	6	14(1	14(1	NUM
gujaf-254	574	7	)	)	PUNCT
gujaf-254	574	8	,	,	PUNCT
gujaf-254	574	9	165	165	NUM
gujaf-254	574	10	-	-	SYM
gujaf-254	574	11	183	183	NUM
gujaf-254	574	12	.	.	PUNCT
gujaf-254	575	1	doi:10.1108	doi:10.1108	PROPN
gujaf-254	575	2	/	/	SYM
gujaf-254	575	3	caer-10	caer-10	PROPN
gujaf-254	575	4	-	-	PUNCT
gujaf-254	575	5	2020	2020	NUM
gujaf-254	575	6	-	-	SYM
gujaf-254	575	7	0225	0225	NUM