id	sid	tid	token	lemma	pos
gujaf-28	1	1	gusau	gusau	PROPN
gujaf-28	1	2	journal	journal	NOUN
gujaf-28	1	3	of	of	ADP
gujaf-28	1	4	accounting	accounting	NOUN
gujaf-28	1	5	and	and	CCONJ
gujaf-28	1	6	finance	finance	NOUN
gujaf-28	1	7	(	(	PUNCT
gujaf-28	1	8	gujaf	gujaf	NOUN
gujaf-28	1	9	)	)	PUNCT
gujaf-28	1	10	vol	vol	NOUN
gujaf-28	1	11	.	.	NOUN
gujaf-28	1	12	1	1	NUM
gujaf-28	1	13	issue	issue	NOUN
gujaf-28	1	14	2	2	NUM
gujaf-28	1	15	,	,	PUNCT
gujaf-28	1	16	october	october	PROPN
gujaf-28	1	17	,	,	PUNCT
gujaf-28	1	18	2020	2020	NUM
gujaf-28	1	19	issn	issn	VERB
gujaf-28	1	20	:	:	PUNCT
gujaf-28	1	21	2756	2756	NUM
gujaf-28	1	22	-	-	PUNCT
gujaf-28	1	23	665x	665x	NOUN
gujaf-28	1	24	a	a	DET
gujaf-28	1	25	publication	publication	NOUN
gujaf-28	1	26	of	of	ADP
gujaf-28	1	27	department	department	NOUN
gujaf-28	1	28	of	of	ADP
gujaf-28	1	29	accounting	accounting	NOUN
gujaf-28	1	30	and	and	CCONJ
gujaf-28	1	31	finance	finance	NOUN
gujaf-28	1	32	,	,	PUNCT
gujaf-28	1	33	faculty	faculty	NOUN
gujaf-28	1	34	of	of	ADP
gujaf-28	1	35	management	management	NOUN
gujaf-28	1	36	and	and	CCONJ
gujaf-28	1	37	social	social	ADJ
gujaf-28	1	38	sciences	science	NOUN
gujaf-28	1	39	,	,	PUNCT
gujaf-28	1	40	federal	federal	ADJ
gujaf-28	1	41	university	university	NOUN
gujaf-28	1	42	gusau	gusau	NOUN
gujaf-28	1	43	,	,	PUNCT
gujaf-28	1	44	zamfara	zamfara	PROPN
gujaf-28	1	45	state	state	PROPN
gujaf-28	1	46	–	–	PUNCT
gujaf-28	1	47	nigeria	nigeria	PROPN
gujaf-28	1	48	gusau	gusau	PROPN
gujaf-28	1	49	journal	journal	PROPN
gujaf-28	1	50	of	of	ADP
gujaf-28	1	51	accounting	accounting	NOUN
gujaf-28	1	52	and	and	CCONJ
gujaf-28	1	53	finance	finance	NOUN
gujaf-28	1	54	,	,	PUNCT
gujaf-28	1	55	vol	vol	NOUN
gujaf-28	1	56	.	.	PUNCT
gujaf-28	2	1	i	i	PRON
gujaf-28	2	2	,	,	PUNCT
gujaf-28	2	3	issue	issue	NOUN
gujaf-28	2	4	2	2	NUM
gujaf-28	2	5	,	,	PUNCT
gujaf-28	2	6	october	october	PROPN
gujaf-28	2	7	,	,	PUNCT
gujaf-28	2	8	2020	2020	NUM
gujaf-28	2	9	1	1	NUM
gujaf-28	2	10	agency	agency	NOUN
gujaf-28	2	11	banking	banking	NOUN
gujaf-28	2	12	strategies	strategy	NOUN
gujaf-28	2	13	and	and	CCONJ
gujaf-28	2	14	financial	financial	ADJ
gujaf-28	2	15	inclusion	inclusion	NOUN
gujaf-28	2	16	of	of	ADP
gujaf-28	2	17	rural	rural	ADJ
gujaf-28	2	18	areas	area	NOUN
gujaf-28	2	19	in	in	ADP
gujaf-28	2	20	kwara	kwara	PROPN
gujaf-28	2	21	state	state	PROPN
gujaf-28	2	22	,	,	PUNCT
gujaf-28	2	23	nigeria	nigeria	PROPN
gujaf-28	2	24	abdullahi	abdullahi	PROPN
gujaf-28	2	25	,	,	PUNCT
gujaf-28	2	26	i.	i.	PROPN
gujaf-28	2	27	b.	b.	PROPN
gujaf-28	2	28	phd	phd	PROPN
gujaf-28	2	29	department	department	PROPN
gujaf-28	2	30	of	of	ADP
gujaf-28	2	31	finance	finance	NOUN
gujaf-28	2	32	,	,	PUNCT
gujaf-28	2	33	university	university	NOUN
gujaf-28	2	34	of	of	ADP
gujaf-28	2	35	ilorin	ilorin	NOUN
gujaf-28	2	36	,	,	PUNCT
gujaf-28	2	37	ilorin	ilorin	PROPN
gujaf-28	2	38	,	,	PUNCT
gujaf-28	2	39	kwara	kwara	PROPN
gujaf-28	2	40	state	state	PROPN
gujaf-28	2	41	,	,	PUNCT
gujaf-28	2	42	nigeria	nigeria	PROPN
gujaf-28	2	43	.	.	PUNCT
gujaf-28	3	1	ibrahimabdul2008@yahoo.com	ibrahimabdul2008@yahoo.com	PROPN
gujaf-28	3	2	malik	malik	PROPN
gujaf-28	3	3	-	-	PUNCT
gujaf-28	3	4	abdulmajeed	abdulmajeed	PROPN
gujaf-28	3	5	k.	k.	PROPN
gujaf-28	3	6	m.	m.	PROPN
gujaf-28	3	7	department	department	PROPN
gujaf-28	3	8	of	of	ADP
gujaf-28	3	9	accounting	accounting	PROPN
gujaf-28	3	10	&	&	CCONJ
gujaf-28	3	11	finance	finance	PROPN
gujaf-28	3	12	,	,	PUNCT
gujaf-28	3	13	kwara	kwara	PROPN
gujaf-28	3	14	state	state	PROPN
gujaf-28	3	15	university	university	PROPN
gujaf-28	3	16	,	,	PUNCT
gujaf-28	3	17	malete	malete	NOUN
gujaf-28	3	18	,	,	PUNCT
gujaf-28	3	19	kwara	kwara	PROPN
gujaf-28	3	20	state	state	PROPN
gujaf-28	3	21	,	,	PUNCT
gujaf-28	3	22	nigeria	nigeria	PROPN
gujaf-28	3	23	.	.	PUNCT
gujaf-28	4	1	fakunmoju	fakunmoju	PROPN
gujaf-28	4	2	,	,	PUNCT
gujaf-28	4	3	s.	s.	PROPN
gujaf-28	4	4	k.	k.	PROPN
gujaf-28	4	5	phd	phd	PROPN
gujaf-28	4	6	department	department	PROPN
gujaf-28	4	7	of	of	ADP
gujaf-28	4	8	accounting	accounting	PROPN
gujaf-28	4	9	&	&	CCONJ
gujaf-28	4	10	finance	finance	NOUN
gujaf-28	4	11	,	,	PUNCT
gujaf-28	4	12	fountain	fountain	NOUN
gujaf-28	4	13	university	university	NOUN
gujaf-28	4	14	,	,	PUNCT
gujaf-28	4	15	osogbo	osogbo	PROPN
gujaf-28	4	16	,	,	PUNCT
gujaf-28	4	17	osun	osun	PROPN
gujaf-28	4	18	state	state	PROPN
gujaf-28	4	19	,	,	PUNCT
gujaf-28	4	20	nigeria	nigeria	PROPN
gujaf-28	4	21	.	.	PUNCT
gujaf-28	5	1	+2347066063616	+2347066063616	PROPN
gujaf-28	5	2	,	,	PUNCT
gujaf-28	5	3	k.fakunmoju@gmail.com	k.fakunmoju@gmail.com	PROPN
gujaf-28	5	4	abstract	abstract	PROPN
gujaf-28	5	5	the	the	DET
gujaf-28	5	6	nexus	nexus	NOUN
gujaf-28	5	7	between	between	ADP
gujaf-28	5	8	agency	agency	NOUN
gujaf-28	5	9	banking	banking	NOUN
gujaf-28	5	10	strategies	strategy	NOUN
gujaf-28	5	11	and	and	CCONJ
gujaf-28	5	12	financial	financial	ADJ
gujaf-28	5	13	inclusion	inclusion	NOUN
gujaf-28	5	14	have	have	AUX
gujaf-28	5	15	been	be	AUX
gujaf-28	5	16	a	a	DET
gujaf-28	5	17	debatable	debatable	ADJ
gujaf-28	5	18	paradox	paradox	NOUN
gujaf-28	5	19	for	for	ADP
gujaf-28	5	20	a	a	DET
gujaf-28	5	21	long	long	ADJ
gujaf-28	5	22	period	period	NOUN
gujaf-28	5	23	of	of	ADP
gujaf-28	5	24	time	time	NOUN
gujaf-28	5	25	due	due	ADP
gujaf-28	5	26	to	to	ADP
gujaf-28	5	27	the	the	DET
gujaf-28	5	28	important	important	ADJ
gujaf-28	5	29	role	role	NOUN
gujaf-28	5	30	play	play	VERB
gujaf-28	5	31	by	by	ADP
gujaf-28	5	32	deposit	deposit	NOUN
gujaf-28	5	33	money	money	NOUN
gujaf-28	5	34	banks	bank	NOUN
gujaf-28	5	35	in	in	ADP
gujaf-28	5	36	finance	finance	NOUN
gujaf-28	5	37	inclusive	inclusive	ADJ
gujaf-28	5	38	economy	economy	NOUN
gujaf-28	5	39	functions	function	NOUN
gujaf-28	5	40	.	.	PUNCT
gujaf-28	6	1	however	however	ADV
gujaf-28	6	2	,	,	PUNCT
gujaf-28	6	3	the	the	DET
gujaf-28	6	4	goal	goal	NOUN
gujaf-28	6	5	of	of	ADP
gujaf-28	6	6	financial	financial	ADJ
gujaf-28	6	7	inclusion	inclusion	NOUN
gujaf-28	6	8	has	have	AUX
gujaf-28	6	9	not	not	PART
gujaf-28	6	10	been	be	AUX
gujaf-28	6	11	achieved	achieve	VERB
gujaf-28	6	12	due	due	ADJ
gujaf-28	6	13	to	to	ADP
gujaf-28	6	14	geographical	geographical	ADJ
gujaf-28	6	15	distance	distance	NOUN
gujaf-28	6	16	of	of	ADP
gujaf-28	6	17	banks	bank	NOUN
gujaf-28	6	18	to	to	ADP
gujaf-28	6	19	rural	rural	ADJ
gujaf-28	6	20	area	area	NOUN
gujaf-28	6	21	,	,	PUNCT
gujaf-28	6	22	poor	poor	ADJ
gujaf-28	6	23	bank	bank	NOUN
gujaf-28	6	24	innovation	innovation	NOUN
gujaf-28	6	25	and	and	CCONJ
gujaf-28	6	26	technological	technological	ADJ
gujaf-28	6	27	advancement	advancement	NOUN
gujaf-28	6	28	to	to	ADP
gujaf-28	6	29	rural	rural	ADJ
gujaf-28	6	30	settlement	settlement	NOUN
gujaf-28	6	31	.	.	PUNCT
gujaf-28	7	1	the	the	DET
gujaf-28	7	2	study	study	NOUN
gujaf-28	7	3	investigates	investigate	VERB
gujaf-28	7	4	the	the	DET
gujaf-28	7	5	effect	effect	NOUN
gujaf-28	7	6	of	of	ADP
gujaf-28	7	7	agency	agency	NOUN
gujaf-28	7	8	banking	banking	NOUN
gujaf-28	7	9	strategies	strategy	NOUN
gujaf-28	7	10	(	(	PUNCT
gujaf-28	7	11	bank	bank	NOUN
gujaf-28	7	12	innovation	innovation	NOUN
gujaf-28	7	13	strategy	strategy	NOUN
gujaf-28	7	14	,	,	PUNCT
gujaf-28	7	15	geographical	geographical	ADJ
gujaf-28	7	16	coverage	coverage	NOUN
gujaf-28	7	17	strategy	strategy	NOUN
gujaf-28	7	18	,	,	PUNCT
gujaf-28	7	19	and	and	CCONJ
gujaf-28	7	20	technological	technological	ADJ
gujaf-28	7	21	advancement	advancement	NOUN
gujaf-28	7	22	strategy	strategy	NOUN
gujaf-28	7	23	)	)	PUNCT
gujaf-28	7	24	on	on	ADP
gujaf-28	7	25	financial	financial	ADJ
gujaf-28	7	26	inclusion	inclusion	NOUN
gujaf-28	7	27	in	in	ADP
gujaf-28	7	28	rural	rural	ADJ
gujaf-28	7	29	areas	area	NOUN
gujaf-28	7	30	in	in	ADP
gujaf-28	7	31	kwara	kwara	PROPN
gujaf-28	7	32	state	state	PROPN
gujaf-28	7	33	,	,	PUNCT
gujaf-28	7	34	nigeria	nigeria	PROPN
gujaf-28	7	35	.	.	PUNCT
gujaf-28	8	1	the	the	DET
gujaf-28	8	2	study	study	NOUN
gujaf-28	8	3	employed	employ	VERB
gujaf-28	8	4	primary	primary	ADJ
gujaf-28	8	5	data	datum	NOUN
gujaf-28	8	6	obtained	obtain	VERB
gujaf-28	8	7	from	from	ADP
gujaf-28	8	8	respondents	respondent	NOUN
gujaf-28	8	9	through	through	ADP
gujaf-28	8	10	administration	administration	NOUN
gujaf-28	8	11	of	of	ADP
gujaf-28	8	12	questionnaire	questionnaire	NOUN
gujaf-28	8	13	within	within	ADP
gujaf-28	8	14	the	the	DET
gujaf-28	8	15	period	period	NOUN
gujaf-28	8	16	of	of	ADP
gujaf-28	8	17	2019	2019	NUM
gujaf-28	8	18	and	and	CCONJ
gujaf-28	8	19	2020	2020	NUM
gujaf-28	8	20	.	.	PUNCT
gujaf-28	9	1	the	the	DET
gujaf-28	9	2	data	datum	NOUN
gujaf-28	9	3	obtained	obtain	VERB
gujaf-28	9	4	were	be	AUX
gujaf-28	9	5	subjected	subject	VERB
gujaf-28	9	6	to	to	ADP
gujaf-28	9	7	reliability	reliability	NOUN
gujaf-28	9	8	and	and	CCONJ
gujaf-28	9	9	validity	validity	NOUN
gujaf-28	9	10	tests	test	NOUN
gujaf-28	9	11	as	as	ADV
gujaf-28	9	12	well	well	ADV
gujaf-28	9	13	as	as	ADP
gujaf-28	9	14	tobit	tobit	NOUN
gujaf-28	9	15	regression	regression	NOUN
gujaf-28	9	16	method	method	NOUN
gujaf-28	9	17	of	of	ADP
gujaf-28	9	18	analysis	analysis	NOUN
gujaf-28	9	19	.	.	PUNCT
gujaf-28	10	1	findings	finding	NOUN
gujaf-28	10	2	revealed	reveal	VERB
gujaf-28	10	3	that	that	SCONJ
gujaf-28	10	4	agency	agency	NOUN
gujaf-28	10	5	banking	banking	NOUN
gujaf-28	10	6	strategies	strategy	NOUN
gujaf-28	10	7	such	such	ADJ
gujaf-28	10	8	as	as	ADP
gujaf-28	10	9	bank	bank	NOUN
gujaf-28	10	10	innovation	innovation	NOUN
gujaf-28	10	11	strategy	strategy	NOUN
gujaf-28	10	12	,	,	PUNCT
gujaf-28	10	13	geographical	geographical	ADJ
gujaf-28	10	14	coverage	coverage	NOUN
gujaf-28	10	15	strategy	strategy	NOUN
gujaf-28	10	16	and	and	CCONJ
gujaf-28	10	17	technological	technological	ADJ
gujaf-28	10	18	advancement	advancement	NOUN
gujaf-28	10	19	strategy	strategy	NOUN
gujaf-28	10	20	have	have	VERB
gujaf-28	10	21	positive	positive	ADJ
gujaf-28	10	22	and	and	CCONJ
gujaf-28	10	23	significant	significant	ADJ
gujaf-28	10	24	effect	effect	NOUN
gujaf-28	10	25	on	on	ADP
gujaf-28	10	26	financial	financial	ADJ
gujaf-28	10	27	inclusion	inclusion	NOUN
gujaf-28	10	28	of	of	ADP
gujaf-28	10	29	rural	rural	ADJ
gujaf-28	10	30	areas	area	NOUN
gujaf-28	10	31	in	in	ADP
gujaf-28	10	32	kwara	kwara	PROPN
gujaf-28	10	33	state	state	PROPN
gujaf-28	10	34	,	,	PUNCT
gujaf-28	10	35	nigeria	nigeria	PROPN
gujaf-28	10	36	.	.	PUNCT
gujaf-28	11	1	the	the	DET
gujaf-28	11	2	study	study	NOUN
gujaf-28	11	3	concludes	conclude	VERB
gujaf-28	11	4	that	that	SCONJ
gujaf-28	11	5	agency	agency	NOUN
gujaf-28	11	6	banking	banking	NOUN
gujaf-28	11	7	strategies	strategy	NOUN
gujaf-28	11	8	enhance	enhance	VERB
gujaf-28	11	9	financial	financial	ADJ
gujaf-28	11	10	inclusion	inclusion	NOUN
gujaf-28	11	11	of	of	ADP
gujaf-28	11	12	rural	rural	ADJ
gujaf-28	11	13	areas	area	NOUN
gujaf-28	11	14	in	in	ADP
gujaf-28	11	15	kwara	kwara	PROPN
gujaf-28	11	16	state	state	PROPN
gujaf-28	11	17	,	,	PUNCT
gujaf-28	11	18	nigeria	nigeria	PROPN
gujaf-28	11	19	.	.	PUNCT
gujaf-28	12	1	the	the	DET
gujaf-28	12	2	study	study	NOUN
gujaf-28	12	3	recommends	recommend	VERB
gujaf-28	12	4	that	that	SCONJ
gujaf-28	12	5	deposit	deposit	NOUN
gujaf-28	12	6	money	money	NOUN
gujaf-28	12	7	banks	bank	NOUN
gujaf-28	12	8	management	management	NOUN
gujaf-28	12	9	should	should	AUX
gujaf-28	12	10	extend	extend	VERB
gujaf-28	12	11	bank	bank	NOUN
gujaf-28	12	12	innovative	innovative	ADJ
gujaf-28	12	13	products	product	NOUN
gujaf-28	12	14	or	or	CCONJ
gujaf-28	12	15	services	service	NOUN
gujaf-28	12	16	and	and	CCONJ
gujaf-28	12	17	enlighten	enlighten	VERB
gujaf-28	12	18	the	the	DET
gujaf-28	12	19	rural	rural	ADJ
gujaf-28	12	20	segment	segment	NOUN
gujaf-28	12	21	entrepreneurs	entrepreneur	NOUN
gujaf-28	12	22	on	on	ADP
gujaf-28	12	23	bank	bank	NOUN
gujaf-28	12	24	inclusion	inclusion	NOUN
gujaf-28	12	25	strategies	strategy	NOUN
gujaf-28	12	26	so	so	SCONJ
gujaf-28	12	27	as	as	SCONJ
gujaf-28	12	28	to	to	PART
gujaf-28	12	29	increase	increase	VERB
gujaf-28	12	30	inclusive	inclusive	ADJ
gujaf-28	12	31	financial	financial	ADJ
gujaf-28	12	32	services	service	NOUN
gujaf-28	12	33	and	and	CCONJ
gujaf-28	12	34	economic	economic	ADJ
gujaf-28	12	35	activities	activity	NOUN
gujaf-28	12	36	for	for	ADP
gujaf-28	12	37	the	the	DET
gujaf-28	12	38	rural	rural	ADJ
gujaf-28	12	39	segments	segment	NOUN
gujaf-28	12	40	.	.	PUNCT
gujaf-28	13	1	keywords	keyword	NOUN
gujaf-28	13	2	:	:	PUNCT
gujaf-28	13	3	bank	bank	NOUN
gujaf-28	13	4	agency	agency	NOUN
gujaf-28	13	5	,	,	PUNCT
gujaf-28	13	6	bank	bank	NOUN
gujaf-28	13	7	innovation	innovation	NOUN
gujaf-28	13	8	strategy	strategy	NOUN
gujaf-28	13	9	,	,	PUNCT
gujaf-28	13	10	geographical	geographical	ADJ
gujaf-28	13	11	coverage	coverage	NOUN
gujaf-28	13	12	strategy	strategy	NOUN
gujaf-28	13	13	,	,	PUNCT
gujaf-28	13	14	technological	technological	ADJ
gujaf-28	13	15	advancement	advancement	NOUN
gujaf-28	13	16	strategy	strategy	NOUN
gujaf-28	13	17	and	and	CCONJ
gujaf-28	13	18	financial	financial	ADJ
gujaf-28	13	19	inclusion	inclusion	NOUN
gujaf-28	13	20	mailto:ibrahimabdul2008@yahoo.com	mailto:ibrahimabdul2008@yahoo.com	X
gujaf-28	13	21	mailto:k.fakunmoju@gmail.com	mailto:k.fakunmoju@gmail.com	PROPN
gujaf-28	13	22	gusau	gusau	PROPN
gujaf-28	13	23	journal	journal	PROPN
gujaf-28	13	24	of	of	ADP
gujaf-28	13	25	accounting	accounting	NOUN
gujaf-28	13	26	and	and	CCONJ
gujaf-28	13	27	finance	finance	NOUN
gujaf-28	13	28	,	,	PUNCT
gujaf-28	13	29	vol	vol	NOUN
gujaf-28	13	30	.	.	PUNCT
gujaf-28	14	1	i	i	PRON
gujaf-28	14	2	,	,	PUNCT
gujaf-28	14	3	issue	issue	NOUN
gujaf-28	14	4	2	2	NUM
gujaf-28	14	5	,	,	PUNCT
gujaf-28	14	6	october	october	PROPN
gujaf-28	14	7	,	,	PUNCT
gujaf-28	14	8	2020	2020	NUM
gujaf-28	14	9	2	2	NUM
gujaf-28	14	10	1	1	NUM
gujaf-28	14	11	.	.	PUNCT
gujaf-28	14	12	introduction	introduction	NOUN
gujaf-28	14	13	globally	globally	ADV
gujaf-28	14	14	,	,	PUNCT
gujaf-28	14	15	it	it	PRON
gujaf-28	14	16	is	be	AUX
gujaf-28	14	17	believed	believe	VERB
gujaf-28	14	18	that	that	SCONJ
gujaf-28	14	19	sound	sound	ADJ
gujaf-28	14	20	agency	agency	NOUN
gujaf-28	14	21	banking	banking	NOUN
gujaf-28	14	22	structure	structure	NOUN
gujaf-28	14	23	contribute	contribute	VERB
gujaf-28	14	24	a	a	DET
gujaf-28	14	25	foremost	foremost	ADJ
gujaf-28	14	26	part	part	NOUN
gujaf-28	14	27	in	in	ADP
gujaf-28	14	28	the	the	DET
gujaf-28	14	29	expansion	expansion	NOUN
gujaf-28	14	30	of	of	ADP
gujaf-28	14	31	bank	bank	PROPN
gujaf-28	14	32	financial	financial	ADJ
gujaf-28	14	33	service	service	NOUN
gujaf-28	14	34	and	and	CCONJ
gujaf-28	14	35	economic	economic	ADJ
gujaf-28	14	36	activities	activity	NOUN
gujaf-28	14	37	of	of	ADP
gujaf-28	14	38	stakeholder	stakeholder	NOUN
gujaf-28	14	39	in	in	ADP
gujaf-28	14	40	the	the	DET
gujaf-28	14	41	rural	rural	ADJ
gujaf-28	14	42	areas	area	NOUN
gujaf-28	14	43	of	of	ADP
gujaf-28	14	44	any	any	DET
gujaf-28	14	45	economy	economy	NOUN
gujaf-28	14	46	.	.	PUNCT
gujaf-28	15	1	through	through	ADP
gujaf-28	15	2	this	this	DET
gujaf-28	15	3	agency	agency	NOUN
gujaf-28	15	4	banking	banking	NOUN
gujaf-28	15	5	model	model	NOUN
gujaf-28	15	6	,	,	PUNCT
gujaf-28	15	7	commercial	commercial	ADJ
gujaf-28	15	8	banks	bank	NOUN
gujaf-28	15	9	have	have	AUX
gujaf-28	15	10	inclusively	inclusively	ADV
gujaf-28	15	11	extended	extend	VERB
gujaf-28	15	12	their	their	PRON
gujaf-28	15	13	conventional	conventional	ADJ
gujaf-28	15	14	financial	financial	ADJ
gujaf-28	15	15	services	service	NOUN
gujaf-28	15	16	in	in	ADP
gujaf-28	15	17	enhancing	enhance	VERB
gujaf-28	15	18	rural	rural	ADJ
gujaf-28	15	19	areas	area	NOUN
gujaf-28	15	20	’	'	PUNCT
gujaf-28	15	21	economic	economic	ADJ
gujaf-28	15	22	activities	activity	NOUN
gujaf-28	15	23	without	without	ADP
gujaf-28	15	24	a	a	DET
gujaf-28	15	25	financial	financial	ADJ
gujaf-28	15	26	capacity	capacity	NOUN
gujaf-28	15	27	for	for	ADP
gujaf-28	15	28	a	a	DET
gujaf-28	15	29	formal	formal	ADJ
gujaf-28	15	30	branch	branch	NOUN
gujaf-28	15	31	,	,	PUNCT
gujaf-28	15	32	though	though	SCONJ
gujaf-28	15	33	increasing	increase	VERB
gujaf-28	15	34	economic	economic	ADJ
gujaf-28	15	35	activities	activity	NOUN
gujaf-28	15	36	performance	performance	NOUN
gujaf-28	15	37	(	(	PUNCT
gujaf-28	15	38	muthoka	muthoka	NOUN
gujaf-28	15	39	,	,	PUNCT
gujaf-28	15	40	oluoch	oluoch	PROPN
gujaf-28	15	41	,	,	PUNCT
gujaf-28	15	42	&	&	CCONJ
gujaf-28	15	43	muiruri	muiruri	PROPN
gujaf-28	15	44	,	,	PUNCT
gujaf-28	15	45	2018	2018	NUM
gujaf-28	15	46	)	)	PUNCT
gujaf-28	15	47	.	.	PUNCT
gujaf-28	16	1	the	the	DET
gujaf-28	16	2	major	major	ADJ
gujaf-28	16	3	concern	concern	NOUN
gujaf-28	16	4	of	of	ADP
gujaf-28	16	5	authorities	authority	NOUN
gujaf-28	16	6	in	in	ADP
gujaf-28	16	7	the	the	DET
gujaf-28	16	8	financial	financial	ADJ
gujaf-28	16	9	system	system	NOUN
gujaf-28	16	10	across	across	ADP
gujaf-28	16	11	the	the	DET
gujaf-28	16	12	globe	globe	NOUN
gujaf-28	16	13	is	be	AUX
gujaf-28	16	14	the	the	DET
gujaf-28	16	15	high	high	ADJ
gujaf-28	16	16	rate	rate	NOUN
gujaf-28	16	17	of	of	ADP
gujaf-28	16	18	financially	financially	ADV
gujaf-28	16	19	excluded	exclude	VERB
gujaf-28	16	20	adults	adult	NOUN
gujaf-28	16	21	especially	especially	ADV
gujaf-28	16	22	in	in	ADP
gujaf-28	16	23	the	the	DET
gujaf-28	16	24	rural	rural	ADJ
gujaf-28	16	25	communities	community	NOUN
gujaf-28	16	26	in	in	ADP
gujaf-28	16	27	africa	africa	PROPN
gujaf-28	16	28	economies	economy	NOUN
gujaf-28	16	29	;	;	PUNCT
gujaf-28	16	30	where	where	SCONJ
gujaf-28	16	31	in	in	ADP
gujaf-28	16	32	average	average	NOUN
gujaf-28	16	33	of	of	ADP
gujaf-28	16	34	24	24	NUM
gujaf-28	16	35	%	%	NOUN
gujaf-28	16	36	of	of	ADP
gujaf-28	16	37	adults	adult	NOUN
gujaf-28	16	38	in	in	ADP
gujaf-28	16	39	sub	sub	ADJ
gujaf-28	16	40	-	-	ADJ
gujaf-28	16	41	saharan	saharan	ADJ
gujaf-28	16	42	africa	africa	PROPN
gujaf-28	16	43	,	,	PUNCT
gujaf-28	16	44	11	11	NUM
gujaf-28	16	45	%	%	NOUN
gujaf-28	16	46	in	in	ADP
gujaf-28	16	47	central	central	PROPN
gujaf-28	16	48	africa	africa	PROPN
gujaf-28	16	49	to	to	ADP
gujaf-28	16	50	about	about	ADV
gujaf-28	16	51	51	51	NUM
gujaf-28	16	52	%	%	NOUN
gujaf-28	16	53	in	in	ADP
gujaf-28	16	54	southern	southern	PROPN
gujaf-28	16	55	africa	africa	PROPN
gujaf-28	16	56	have	have	VERB
gujaf-28	16	57	accounts	account	NOUN
gujaf-28	16	58	in	in	ADP
gujaf-28	16	59	formal	formal	ADJ
gujaf-28	16	60	banks	bank	NOUN
gujaf-28	16	61	(	(	PUNCT
gujaf-28	16	62	world	world	PROPN
gujaf-28	16	63	bank	bank	PROPN
gujaf-28	16	64	report	report	NOUN
gujaf-28	16	65	,	,	PUNCT
gujaf-28	16	66	2018	2018	NUM
gujaf-28	16	67	)	)	PUNCT
gujaf-28	16	68	.	.	PUNCT
gujaf-28	17	1	this	this	DET
gujaf-28	17	2	high	high	ADJ
gujaf-28	17	3	level	level	NOUN
gujaf-28	17	4	of	of	ADP
gujaf-28	17	5	financial	financial	ADJ
gujaf-28	17	6	exclusion	exclusion	NOUN
gujaf-28	17	7	has	have	AUX
gujaf-28	17	8	prompted	prompt	VERB
gujaf-28	17	9	stakeholders	stakeholder	NOUN
gujaf-28	17	10	such	such	ADJ
gujaf-28	17	11	as	as	ADP
gujaf-28	17	12	policy	policy	NOUN
gujaf-28	17	13	makers	maker	NOUN
gujaf-28	17	14	and	and	CCONJ
gujaf-28	17	15	regulators	regulator	NOUN
gujaf-28	17	16	to	to	PART
gujaf-28	17	17	give	give	VERB
gujaf-28	17	18	the	the	DET
gujaf-28	17	19	agency	agency	NOUN
gujaf-28	17	20	model	model	NOUN
gujaf-28	17	21	attention	attention	NOUN
gujaf-28	17	22	even	even	ADV
gujaf-28	17	23	though	though	SCONJ
gujaf-28	17	24	banking	banking	NOUN
gujaf-28	17	25	regulations	regulation	NOUN
gujaf-28	17	26	still	still	ADV
gujaf-28	17	27	stifles	stifle	VERB
gujaf-28	17	28	its	its	PRON
gujaf-28	17	29	growth	growth	NOUN
gujaf-28	17	30	.	.	PUNCT
gujaf-28	18	1	likewise	likewise	ADV
gujaf-28	18	2	in	in	ADP
gujaf-28	18	3	nigeria	nigeria	PROPN
gujaf-28	18	4	,	,	PUNCT
gujaf-28	18	5	the	the	DET
gujaf-28	18	6	level	level	NOUN
gujaf-28	18	7	of	of	ADP
gujaf-28	18	8	financial	financial	ADJ
gujaf-28	18	9	inclusion	inclusion	NOUN
gujaf-28	18	10	have	have	AUX
gujaf-28	18	11	raised	raise	VERB
gujaf-28	18	12	concerns	concern	NOUN
gujaf-28	18	13	among	among	ADP
gujaf-28	18	14	regulatory	regulatory	ADJ
gujaf-28	18	15	stakeholders	stakeholder	NOUN
gujaf-28	18	16	;	;	PUNCT
gujaf-28	18	17	as	as	SCONJ
gujaf-28	18	18	world	world	PROPN
gujaf-28	18	19	bank	bank	PROPN
gujaf-28	18	20	report	report	NOUN
gujaf-28	18	21	(	(	PUNCT
gujaf-28	18	22	2019	2019	NUM
gujaf-28	18	23	)	)	PUNCT
gujaf-28	18	24	indicated	indicate	VERB
gujaf-28	18	25	that	that	SCONJ
gujaf-28	18	26	73.2	73.2	NUM
gujaf-28	18	27	million	million	NUM
gujaf-28	18	28	adults	adult	NOUN
gujaf-28	18	29	representing	represent	VERB
gujaf-28	18	30	41.6	41.6	NUM
gujaf-28	18	31	%	%	NOUN
gujaf-28	18	32	of	of	ADP
gujaf-28	18	33	the	the	DET
gujaf-28	18	34	adult	adult	NOUN
gujaf-28	18	35	population	population	NOUN
gujaf-28	18	36	in	in	ADP
gujaf-28	18	37	nigeria	nigeria	PROPN
gujaf-28	18	38	are	be	AUX
gujaf-28	18	39	financially	financially	ADV
gujaf-28	18	40	excluded	exclude	VERB
gujaf-28	18	41	.	.	PUNCT
gujaf-28	19	1	financial	financial	ADJ
gujaf-28	19	2	inclusion	inclusion	NOUN
gujaf-28	19	3	symbolizes	symbolize	VERB
gujaf-28	19	4	distribution	distribution	NOUN
gujaf-28	19	5	of	of	ADP
gujaf-28	19	6	financial	financial	ADJ
gujaf-28	19	7	facilities	facility	NOUN
gujaf-28	19	8	at	at	ADP
gujaf-28	19	9	an	an	DET
gujaf-28	19	10	affordable	affordable	ADJ
gujaf-28	19	11	cost	cost	NOUN
gujaf-28	19	12	to	to	ADP
gujaf-28	19	13	the	the	DET
gujaf-28	19	14	deprived	deprive	VERB
gujaf-28	19	15	sections	section	NOUN
gujaf-28	19	16	and	and	CCONJ
gujaf-28	19	17	low	low	ADJ
gujaf-28	19	18	-	-	PUNCT
gujaf-28	19	19	income	income	NOUN
gujaf-28	19	20	groups	group	NOUN
gujaf-28	19	21	(	(	PUNCT
gujaf-28	19	22	nyota	nyota	PROPN
gujaf-28	19	23	&	&	CCONJ
gujaf-28	19	24	muturi	muturi	PROPN
gujaf-28	19	25	,	,	PUNCT
gujaf-28	19	26	2019	2019	NUM
gujaf-28	19	27	)	)	PUNCT
gujaf-28	19	28	.	.	PUNCT
gujaf-28	20	1	these	these	DET
gujaf-28	20	2	financial	financial	ADJ
gujaf-28	20	3	facilities	facility	NOUN
gujaf-28	20	4	form	form	VERB
gujaf-28	20	5	the	the	DET
gujaf-28	20	6	basic	basic	ADJ
gujaf-28	20	7	function	function	NOUN
gujaf-28	20	8	of	of	ADP
gujaf-28	20	9	financial	financial	ADJ
gujaf-28	20	10	institutions	institution	NOUN
gujaf-28	20	11	;	;	PUNCT
gujaf-28	20	12	for	for	ADP
gujaf-28	20	13	transferring	transfer	VERB
gujaf-28	20	14	resources	resource	NOUN
gujaf-28	20	15	from	from	ADP
gujaf-28	20	16	surplus	surplus	NOUN
gujaf-28	20	17	to	to	ADP
gujaf-28	20	18	deficit	deficit	NOUN
gujaf-28	20	19	units	unit	NOUN
gujaf-28	20	20	.	.	PUNCT
gujaf-28	21	1	this	this	PRON
gujaf-28	21	2	insinuates	insinuate	VERB
gujaf-28	21	3	that	that	SCONJ
gujaf-28	21	4	the	the	DET
gujaf-28	21	5	agency	agency	NOUN
gujaf-28	21	6	banking	banking	NOUN
gujaf-28	21	7	structure	structure	NOUN
gujaf-28	21	8	is	be	AUX
gujaf-28	21	9	critical	critical	ADJ
gujaf-28	21	10	in	in	ADP
gujaf-28	21	11	providing	provide	VERB
gujaf-28	21	12	financial	financial	ADJ
gujaf-28	21	13	services	service	NOUN
gujaf-28	21	14	to	to	ADP
gujaf-28	21	15	the	the	DET
gujaf-28	21	16	unbanked	unbanked	ADJ
gujaf-28	21	17	segment	segment	NOUN
gujaf-28	21	18	in	in	ADP
gujaf-28	21	19	the	the	DET
gujaf-28	21	20	rural	rural	ADJ
gujaf-28	21	21	areas	area	NOUN
gujaf-28	21	22	especially	especially	ADV
gujaf-28	21	23	in	in	ADP
gujaf-28	21	24	the	the	DET
gujaf-28	21	25	developing	develop	VERB
gujaf-28	21	26	economies	economy	NOUN
gujaf-28	21	27	(	(	PUNCT
gujaf-28	21	28	world	world	NOUN
gujaf-28	21	29	bank	bank	NOUN
gujaf-28	21	30	report	report	NOUN
gujaf-28	21	31	,	,	PUNCT
gujaf-28	21	32	2018	2018	NUM
gujaf-28	21	33	)	)	PUNCT
gujaf-28	21	34	.	.	PUNCT
gujaf-28	22	1	dzombo	dzombo	PROPN
gujaf-28	22	2	,	,	PUNCT
gujaf-28	22	3	kilika	kilika	NOUN
gujaf-28	22	4	and	and	CCONJ
gujaf-28	22	5	maingi	maingi	PROPN
gujaf-28	22	6	(	(	PUNCT
gujaf-28	22	7	2017	2017	NUM
gujaf-28	22	8	)	)	PUNCT
gujaf-28	22	9	emphasized	emphasize	VERB
gujaf-28	22	10	that	that	SCONJ
gujaf-28	22	11	majority	majority	NOUN
gujaf-28	22	12	of	of	ADP
gujaf-28	22	13	developing	develop	VERB
gujaf-28	22	14	economies	economy	NOUN
gujaf-28	22	15	lack	lack	VERB
gujaf-28	22	16	sound	sound	ADJ
gujaf-28	22	17	agency	agency	NOUN
gujaf-28	22	18	banking	banking	NOUN
gujaf-28	22	19	strategies	strategy	NOUN
gujaf-28	22	20	such	such	ADJ
gujaf-28	22	21	as	as	ADP
gujaf-28	22	22	innovation	innovation	NOUN
gujaf-28	22	23	strategy	strategy	NOUN
gujaf-28	22	24	,	,	PUNCT
gujaf-28	22	25	geographical	geographical	ADJ
gujaf-28	22	26	coverage	coverage	NOUN
gujaf-28	22	27	strategy	strategy	NOUN
gujaf-28	22	28	,	,	PUNCT
gujaf-28	22	29	and	and	CCONJ
gujaf-28	22	30	technological	technological	ADJ
gujaf-28	22	31	advancement	advancement	NOUN
gujaf-28	22	32	strategy	strategy	NOUN
gujaf-28	22	33	to	to	PART
gujaf-28	22	34	cater	cater	VERB
gujaf-28	22	35	for	for	ADP
gujaf-28	22	36	unbanked	unbanked	ADJ
gujaf-28	22	37	segment	segment	NOUN
gujaf-28	22	38	in	in	ADP
gujaf-28	22	39	the	the	DET
gujaf-28	22	40	rural	rural	ADJ
gujaf-28	22	41	areas	area	NOUN
gujaf-28	22	42	.	.	PUNCT
gujaf-28	23	1	akamavi	akamavi	VERB
gujaf-28	23	2	(	(	PUNCT
gujaf-28	23	3	2018	2018	NUM
gujaf-28	23	4	)	)	PUNCT
gujaf-28	23	5	pointed	point	VERB
gujaf-28	23	6	that	that	SCONJ
gujaf-28	23	7	without	without	ADP
gujaf-28	23	8	agency	agency	NOUN
gujaf-28	23	9	banking	banking	NOUN
gujaf-28	23	10	,	,	PUNCT
gujaf-28	23	11	extension	extension	NOUN
gujaf-28	23	12	of	of	ADP
gujaf-28	23	13	financial	financial	ADJ
gujaf-28	23	14	service	service	NOUN
gujaf-28	23	15	to	to	ADP
gujaf-28	23	16	the	the	DET
gujaf-28	23	17	rural	rural	ADJ
gujaf-28	23	18	segment	segment	NOUN
gujaf-28	23	19	can	can	AUX
gujaf-28	23	20	not	not	PART
gujaf-28	23	21	be	be	AUX
gujaf-28	23	22	achieved	achieve	VERB
gujaf-28	23	23	.	.	PUNCT
gujaf-28	24	1	nyota	nyota	ADJ
gujaf-28	24	2	and	and	CCONJ
gujaf-28	24	3	muturi	muturi	NOUN
gujaf-28	24	4	(	(	PUNCT
gujaf-28	24	5	2019	2019	NUM
gujaf-28	24	6	)	)	PUNCT
gujaf-28	24	7	and	and	CCONJ
gujaf-28	24	8	nkiru	nkiru	NOUN
gujaf-28	24	9	,	,	PUNCT
gujaf-28	24	10	ofobruku	ofobruku	NOUN
gujaf-28	24	11	and	and	CCONJ
gujaf-28	24	12	sidi	sidi	NOUN
gujaf-28	24	13	(	(	PUNCT
gujaf-28	24	14	2018	2018	NUM
gujaf-28	24	15	)	)	PUNCT
gujaf-28	24	16	asserted	assert	VERB
gujaf-28	24	17	that	that	SCONJ
gujaf-28	24	18	the	the	DET
gujaf-28	24	19	level	level	NOUN
gujaf-28	24	20	of	of	ADP
gujaf-28	24	21	larger	large	ADJ
gujaf-28	24	22	percentage	percentage	NOUN
gujaf-28	24	23	of	of	ADP
gujaf-28	24	24	financial	financial	ADJ
gujaf-28	24	25	inclusion	inclusion	NOUN
gujaf-28	24	26	targeted	target	VERB
gujaf-28	24	27	by	by	ADP
gujaf-28	24	28	financial	financial	ADJ
gujaf-28	24	29	system	system	NOUN
gujaf-28	24	30	regulators	regulator	NOUN
gujaf-28	24	31	can	can	AUX
gujaf-28	24	32	not	not	PART
gujaf-28	24	33	be	be	AUX
gujaf-28	24	34	achieve	achieve	VERB
gujaf-28	24	35	by	by	ADP
gujaf-28	24	36	agency	agency	NOUN
gujaf-28	24	37	banking	banking	NOUN
gujaf-28	24	38	models	model	NOUN
gujaf-28	24	39	;	;	PUNCT
gujaf-28	24	40	as	as	SCONJ
gujaf-28	24	41	most	most	ADJ
gujaf-28	24	42	developing	develop	VERB
gujaf-28	24	43	economies	economy	NOUN
gujaf-28	24	44	including	include	VERB
gujaf-28	24	45	nigeria	nigeria	PRON
gujaf-28	24	46	were	be	AUX
gujaf-28	24	47	faced	face	VERB
gujaf-28	24	48	with	with	ADP
gujaf-28	24	49	the	the	DET
gujaf-28	24	50	problem	problem	NOUN
gujaf-28	24	51	of	of	ADP
gujaf-28	24	52	uneconomically	uneconomically	ADV
gujaf-28	24	53	banking	banking	NOUN
gujaf-28	24	54	incomes	income	NOUN
gujaf-28	24	55	,	,	PUNCT
gujaf-28	24	56	dispersed	disperse	VERB
gujaf-28	24	57	gusau	gusau	ADJ
gujaf-28	24	58	journal	journal	NOUN
gujaf-28	24	59	of	of	ADP
gujaf-28	24	60	accounting	accounting	NOUN
gujaf-28	24	61	and	and	CCONJ
gujaf-28	24	62	finance	finance	NOUN
gujaf-28	24	63	,	,	PUNCT
gujaf-28	24	64	vol	vol	NOUN
gujaf-28	24	65	.	.	PUNCT
gujaf-28	25	1	i	i	PRON
gujaf-28	25	2	,	,	PUNCT
gujaf-28	25	3	issue	issue	NOUN
gujaf-28	25	4	2	2	NUM
gujaf-28	25	5	,	,	PUNCT
gujaf-28	25	6	october	october	PROPN
gujaf-28	25	7	,	,	PUNCT
gujaf-28	25	8	2020	2020	NUM
gujaf-28	25	9	3	3	NUM
gujaf-28	25	10	population	population	NOUN
gujaf-28	25	11	,	,	PUNCT
gujaf-28	25	12	distance	distance	NOUN
gujaf-28	25	13	lack	lack	NOUN
gujaf-28	25	14	of	of	ADP
gujaf-28	25	15	financial	financial	ADJ
gujaf-28	25	16	products	product	NOUN
gujaf-28	25	17	and	and	CCONJ
gujaf-28	25	18	service	service	NOUN
gujaf-28	25	19	knowledge	knowledge	NOUN
gujaf-28	25	20	,	,	PUNCT
gujaf-28	25	21	geographical	geographical	ADJ
gujaf-28	25	22	distance	distance	NOUN
gujaf-28	25	23	of	of	ADP
gujaf-28	25	24	banks	bank	NOUN
gujaf-28	25	25	to	to	ADP
gujaf-28	25	26	rural	rural	ADJ
gujaf-28	25	27	areas	area	NOUN
gujaf-28	25	28	and	and	CCONJ
gujaf-28	25	29	ignorance	ignorance	NOUN
gujaf-28	25	30	on	on	ADP
gujaf-28	25	31	issues	issue	NOUN
gujaf-28	25	32	relating	relate	VERB
gujaf-28	25	33	to	to	ADP
gujaf-28	25	34	banking	banking	NOUN
gujaf-28	25	35	.	.	PUNCT
gujaf-28	26	1	furthermore	furthermore	ADV
gujaf-28	26	2	,	,	PUNCT
gujaf-28	26	3	in	in	ADP
gujaf-28	26	4	nigeria	nigeria	PRON
gujaf-28	26	5	the	the	DET
gujaf-28	26	6	level	level	NOUN
gujaf-28	26	7	of	of	ADP
gujaf-28	26	8	financial	financial	ADJ
gujaf-28	26	9	exclusion	exclusion	NOUN
gujaf-28	26	10	has	have	AUX
gujaf-28	26	11	not	not	PART
gujaf-28	26	12	been	be	AUX
gujaf-28	26	13	accomplished	accomplish	VERB
gujaf-28	26	14	due	due	ADJ
gujaf-28	26	15	to	to	ADP
gujaf-28	26	16	geographical	geographical	ADJ
gujaf-28	26	17	distance	distance	NOUN
gujaf-28	26	18	of	of	ADP
gujaf-28	26	19	banks	bank	NOUN
gujaf-28	26	20	to	to	ADP
gujaf-28	26	21	rural	rural	ADJ
gujaf-28	26	22	area	area	NOUN
gujaf-28	26	23	,	,	PUNCT
gujaf-28	26	24	poor	poor	ADJ
gujaf-28	26	25	bank	bank	NOUN
gujaf-28	26	26	innovation	innovation	NOUN
gujaf-28	26	27	and	and	CCONJ
gujaf-28	26	28	technological	technological	ADJ
gujaf-28	26	29	advancement	advancement	NOUN
gujaf-28	26	30	to	to	ADP
gujaf-28	26	31	rural	rural	ADJ
gujaf-28	26	32	segment	segment	NOUN
gujaf-28	26	33	(	(	PUNCT
gujaf-28	26	34	national	national	ADJ
gujaf-28	26	35	financial	financial	ADJ
gujaf-28	26	36	inclusion	inclusion	NOUN
gujaf-28	26	37	strategy	strategy	NOUN
gujaf-28	26	38	(	(	PUNCT
gujaf-28	26	39	nfis	nfis	NOUN
gujaf-28	26	40	)	)	PUNCT
gujaf-28	26	41	report	report	NOUN
gujaf-28	26	42	,	,	PUNCT
gujaf-28	26	43	2019	2019	NUM
gujaf-28	26	44	)	)	PUNCT
gujaf-28	26	45	.	.	PUNCT
gujaf-28	27	1	similarly	similarly	ADV
gujaf-28	27	2	,	,	PUNCT
gujaf-28	27	3	enhancing	enhance	VERB
gujaf-28	27	4	financial	financial	ADJ
gujaf-28	27	5	innovation	innovation	NOUN
gujaf-28	27	6	and	and	CCONJ
gujaf-28	27	7	access	access	NOUN
gujaf-28	27	8	(	(	PUNCT
gujaf-28	27	9	efina	efina	NOUN
gujaf-28	27	10	)	)	PUNCT
gujaf-28	27	11	report	report	NOUN
gujaf-28	27	12	(	(	PUNCT
gujaf-28	27	13	2020	2020	NUM
gujaf-28	27	14	)	)	PUNCT
gujaf-28	27	15	asserted	assert	VERB
gujaf-28	27	16	that	that	SCONJ
gujaf-28	27	17	large	large	ADJ
gujaf-28	27	18	number	number	NOUN
gujaf-28	27	19	of	of	ADP
gujaf-28	27	20	people	people	NOUN
gujaf-28	27	21	and	and	CCONJ
gujaf-28	27	22	households	household	NOUN
gujaf-28	27	23	in	in	ADP
gujaf-28	27	24	nigeria	nigeria	PROPN
gujaf-28	27	25	were	be	AUX
gujaf-28	27	26	domiciled	domicile	VERB
gujaf-28	27	27	in	in	ADP
gujaf-28	27	28	the	the	DET
gujaf-28	27	29	rural	rural	ADJ
gujaf-28	27	30	areas	area	NOUN
gujaf-28	27	31	where	where	SCONJ
gujaf-28	27	32	infrastructure	infrastructure	NOUN
gujaf-28	27	33	is	be	AUX
gujaf-28	27	34	either	either	CCONJ
gujaf-28	27	35	non	non	ADJ
gujaf-28	27	36	-	-	ADJ
gujaf-28	27	37	existent	existent	ADJ
gujaf-28	27	38	or	or	CCONJ
gujaf-28	27	39	in	in	ADP
gujaf-28	27	40	a	a	DET
gujaf-28	27	41	sorry	sorry	ADJ
gujaf-28	27	42	state	state	NOUN
gujaf-28	27	43	and	and	CCONJ
gujaf-28	27	44	it	it	PRON
gujaf-28	27	45	is	be	AUX
gujaf-28	27	46	difficult	difficult	ADJ
gujaf-28	27	47	for	for	SCONJ
gujaf-28	27	48	deposit	deposit	NOUN
gujaf-28	27	49	money	money	NOUN
gujaf-28	27	50	banks	bank	NOUN
gujaf-28	27	51	to	to	PART
gujaf-28	27	52	bring	bring	VERB
gujaf-28	27	53	them	they	PRON
gujaf-28	27	54	under	under	ADP
gujaf-28	27	55	conventional	conventional	ADJ
gujaf-28	27	56	banking	banking	NOUN
gujaf-28	27	57	structure	structure	NOUN
gujaf-28	27	58	since	since	SCONJ
gujaf-28	27	59	most	most	ADJ
gujaf-28	27	60	of	of	ADP
gujaf-28	27	61	the	the	DET
gujaf-28	27	62	banks	bank	NOUN
gujaf-28	27	63	find	find	VERB
gujaf-28	27	64	it	it	PRON
gujaf-28	27	65	difficult	difficult	ADJ
gujaf-28	27	66	to	to	PART
gujaf-28	27	67	maintain	maintain	VERB
gujaf-28	27	68	presence	presence	NOUN
gujaf-28	27	69	in	in	ADP
gujaf-28	27	70	remote	remote	ADJ
gujaf-28	27	71	parts	part	NOUN
gujaf-28	27	72	of	of	ADP
gujaf-28	27	73	the	the	DET
gujaf-28	27	74	country	country	NOUN
gujaf-28	27	75	owing	owe	VERB
gujaf-28	27	76	to	to	ADP
gujaf-28	27	77	the	the	DET
gujaf-28	27	78	problem	problem	NOUN
gujaf-28	27	79	of	of	ADP
gujaf-28	27	80	geographical	geographical	ADJ
gujaf-28	27	81	remoteness	remoteness	NOUN
gujaf-28	27	82	,	,	PUNCT
gujaf-28	27	83	poor	poor	ADJ
gujaf-28	27	84	bank	bank	NOUN
gujaf-28	27	85	innovation	innovation	NOUN
gujaf-28	27	86	,	,	PUNCT
gujaf-28	27	87	technological	technological	ADJ
gujaf-28	27	88	dilapidation	dilapidation	NOUN
gujaf-28	27	89	,	,	PUNCT
gujaf-28	27	90	logistics	logistic	NOUN
gujaf-28	27	91	and	and	CCONJ
gujaf-28	27	92	high	high	ADJ
gujaf-28	27	93	cost	cost	NOUN
gujaf-28	27	94	of	of	ADP
gujaf-28	27	95	operations	operation	NOUN
gujaf-28	27	96	;	;	PUNCT
gujaf-28	27	97	these	these	DET
gujaf-28	27	98	problems	problem	NOUN
gujaf-28	27	99	led	lead	VERB
gujaf-28	27	100	to	to	ADP
gujaf-28	27	101	poor	poor	ADJ
gujaf-28	27	102	agency	agency	NOUN
gujaf-28	27	103	banking	banking	NOUN
gujaf-28	27	104	model	model	NOUN
gujaf-28	27	105	in	in	ADP
gujaf-28	27	106	the	the	DET
gujaf-28	27	107	rural	rural	ADJ
gujaf-28	27	108	segments	segment	NOUN
gujaf-28	27	109	,	,	PUNCT
gujaf-28	27	110	thus	thus	ADV
gujaf-28	27	111	reduced	reduce	VERB
gujaf-28	27	112	level	level	NOUN
gujaf-28	27	113	of	of	ADP
gujaf-28	27	114	financial	financial	ADJ
gujaf-28	27	115	inclusion	inclusion	NOUN
gujaf-28	27	116	in	in	ADP
gujaf-28	27	117	nigeria	nigeria	PROPN
gujaf-28	27	118	.	.	PUNCT
gujaf-28	28	1	despite	despite	SCONJ
gujaf-28	28	2	past	past	ADJ
gujaf-28	28	3	studies	study	NOUN
gujaf-28	28	4	reviewed	review	VERB
gujaf-28	28	5	within	within	ADP
gujaf-28	28	6	and	and	CCONJ
gujaf-28	28	7	outside	outside	ADP
gujaf-28	28	8	nigeria	nigeria	PROPN
gujaf-28	28	9	,	,	PUNCT
gujaf-28	28	10	no	no	DET
gujaf-28	28	11	studies	study	NOUN
gujaf-28	28	12	have	have	AUX
gujaf-28	28	13	investigated	investigate	VERB
gujaf-28	28	14	the	the	DET
gujaf-28	28	15	problem	problem	NOUN
gujaf-28	28	16	of	of	ADP
gujaf-28	28	17	financial	financial	ADJ
gujaf-28	28	18	exclusion	exclusion	NOUN
gujaf-28	28	19	through	through	ADP
gujaf-28	28	20	unsound	unsound	ADJ
gujaf-28	28	21	agency	agency	NOUN
gujaf-28	28	22	banking	banking	NOUN
gujaf-28	28	23	strategies	strategy	NOUN
gujaf-28	28	24	(	(	PUNCT
gujaf-28	28	25	bank	bank	NOUN
gujaf-28	28	26	innovation	innovation	NOUN
gujaf-28	28	27	strategy	strategy	NOUN
gujaf-28	28	28	,	,	PUNCT
gujaf-28	28	29	geographical	geographical	ADJ
gujaf-28	28	30	coverage	coverage	NOUN
gujaf-28	28	31	strategy	strategy	NOUN
gujaf-28	28	32	and	and	CCONJ
gujaf-28	28	33	technological	technological	ADJ
gujaf-28	28	34	advancement	advancement	NOUN
gujaf-28	28	35	strategy	strategy	NOUN
gujaf-28	28	36	)	)	PUNCT
gujaf-28	28	37	among	among	ADP
gujaf-28	28	38	rural	rural	ADJ
gujaf-28	28	39	area	area	NOUN
gujaf-28	28	40	of	of	ADP
gujaf-28	28	41	kwara	kwara	PROPN
gujaf-28	28	42	state	state	PROPN
gujaf-28	28	43	,	,	PUNCT
gujaf-28	28	44	nigeria	nigeria	PROPN
gujaf-28	28	45	.	.	PUNCT
gujaf-28	29	1	therefore	therefore	ADV
gujaf-28	29	2	,	,	PUNCT
gujaf-28	29	3	this	this	DET
gujaf-28	29	4	gap	gap	NOUN
gujaf-28	29	5	informed	inform	VERB
gujaf-28	29	6	this	this	DET
gujaf-28	29	7	current	current	ADJ
gujaf-28	29	8	study	study	NOUN
gujaf-28	29	9	on	on	ADP
gujaf-28	29	10	“	"	PUNCT
gujaf-28	29	11	effect	effect	NOUN
gujaf-28	29	12	of	of	ADP
gujaf-28	29	13	agency	agency	NOUN
gujaf-28	29	14	banking	banking	NOUN
gujaf-28	29	15	strategies	strategy	NOUN
gujaf-28	29	16	on	on	ADP
gujaf-28	29	17	financial	financial	ADJ
gujaf-28	29	18	inclusion	inclusion	NOUN
gujaf-28	29	19	in	in	ADP
gujaf-28	29	20	rural	rural	ADJ
gujaf-28	29	21	area	area	NOUN
gujaf-28	29	22	communities	community	NOUN
gujaf-28	29	23	in	in	ADP
gujaf-28	29	24	kwara	kwara	PROPN
gujaf-28	29	25	state	state	PROPN
gujaf-28	29	26	,	,	PUNCT
gujaf-28	29	27	nigeria	nigeria	PROPN
gujaf-28	29	28	”	"	PUNCT
gujaf-28	29	29	.	.	PUNCT
gujaf-28	30	1	2	2	X
gujaf-28	30	2	.	.	X
gujaf-28	30	3	literature	literature	NOUN
gujaf-28	30	4	review	review	VERB
gujaf-28	30	5	this	this	DET
gujaf-28	30	6	sub	sub	NOUN
gujaf-28	30	7	-	-	NOUN
gujaf-28	30	8	section	section	NOUN
gujaf-28	30	9	focuses	focus	VERB
gujaf-28	30	10	on	on	ADP
gujaf-28	30	11	the	the	DET
gujaf-28	30	12	empirical	empirical	ADJ
gujaf-28	30	13	review	review	NOUN
gujaf-28	30	14	of	of	ADP
gujaf-28	30	15	relevant	relevant	ADJ
gujaf-28	30	16	studies	study	NOUN
gujaf-28	30	17	and	and	CCONJ
gujaf-28	30	18	underpinning	underpin	VERB
gujaf-28	30	19	theory	theory	NOUN
gujaf-28	30	20	to	to	PART
gujaf-28	30	21	enable	enable	VERB
gujaf-28	30	22	this	this	DET
gujaf-28	30	23	study	study	NOUN
gujaf-28	30	24	establish	establish	VERB
gujaf-28	30	25	research	research	NOUN
gujaf-28	30	26	gaps	gap	NOUN
gujaf-28	30	27	.	.	PUNCT
gujaf-28	31	1	2.1	2.1	NUM
gujaf-28	31	2	empirical	empirical	ADJ
gujaf-28	31	3	review	review	NOUN
gujaf-28	31	4	the	the	DET
gujaf-28	31	5	studies	study	NOUN
gujaf-28	31	6	of	of	ADP
gujaf-28	31	7	kemoli	kemoli	PROPN
gujaf-28	31	8	(	(	PUNCT
gujaf-28	31	9	2012	2012	NUM
gujaf-28	31	10	)	)	PUNCT
gujaf-28	31	11	,	,	PUNCT
gujaf-28	31	12	ngumi	ngumi	NOUN
gujaf-28	31	13	(	(	PUNCT
gujaf-28	31	14	2013	2013	NUM
gujaf-28	31	15	)	)	PUNCT
gujaf-28	31	16	,	,	PUNCT
gujaf-28	31	17	basu	basu	PROPN
gujaf-28	31	18	and	and	CCONJ
gujaf-28	31	19	ghosh	ghosh	PROPN
gujaf-28	31	20	(	(	PUNCT
gujaf-28	31	21	2016	2016	NUM
gujaf-28	31	22	)	)	PUNCT
gujaf-28	31	23	,	,	PUNCT
gujaf-28	31	24	nkiru	nkiru	NOUN
gujaf-28	31	25	,	,	PUNCT
gujaf-28	31	26	ofobruku	ofobruku	NOUN
gujaf-28	31	27	and	and	CCONJ
gujaf-28	31	28	sidi	sidi	NOUN
gujaf-28	31	29	(	(	PUNCT
gujaf-28	31	30	2018	2018	NUM
gujaf-28	31	31	)	)	PUNCT
gujaf-28	31	32	examined	examine	VERB
gujaf-28	31	33	the	the	DET
gujaf-28	31	34	link	link	NOUN
gujaf-28	31	35	between	between	ADP
gujaf-28	31	36	bank	bank	NOUN
gujaf-28	31	37	agency	agency	NOUN
gujaf-28	31	38	through	through	ADP
gujaf-28	31	39	information	information	NOUN
gujaf-28	31	40	technology	technology	NOUN
gujaf-28	31	41	and	and	CCONJ
gujaf-28	31	42	bank	bank	NOUN
gujaf-28	31	43	performance	performance	NOUN
gujaf-28	31	44	.	.	PUNCT
gujaf-28	32	1	these	these	DET
gujaf-28	32	2	studies	study	NOUN
gujaf-28	32	3	found	find	VERB
gujaf-28	32	4	that	that	SCONJ
gujaf-28	32	5	bank	bank	NOUN
gujaf-28	32	6	agency	agency	NOUN
gujaf-28	32	7	strategy	strategy	NOUN
gujaf-28	32	8	via	via	ADP
gujaf-28	32	9	information	information	NOUN
gujaf-28	32	10	technology	technology	NOUN
gujaf-28	32	11	significantly	significantly	ADV
gujaf-28	32	12	improve	improve	VERB
gujaf-28	32	13	bank	bank	NOUN
gujaf-28	32	14	performance	performance	NOUN
gujaf-28	32	15	.	.	PUNCT
gujaf-28	33	1	nyangosi	nyangosi	NOUN
gujaf-28	33	2	,	,	PUNCT
gujaf-28	33	3	nyangau	nyangau	NOUN
gujaf-28	33	4	,	,	PUNCT
gujaf-28	33	5	nyariki	nyariki	ADJ
gujaf-28	33	6	,	,	PUNCT
gujaf-28	33	7	and	and	CCONJ
gujaf-28	33	8	nyangau	nyangau	NOUN
gujaf-28	33	9	,	,	PUNCT
gujaf-28	33	10	(	(	PUNCT
gujaf-28	33	11	2014	2014	NUM
gujaf-28	33	12	)	)	PUNCT
gujaf-28	33	13	,	,	PUNCT
gujaf-28	33	14	khadka	khadka	NOUN
gujaf-28	33	15	and	and	CCONJ
gujaf-28	33	16	maharjan	maharjan	PROPN
gujaf-28	33	17	(	(	PUNCT
gujaf-28	33	18	2017	2017	NUM
gujaf-28	33	19	)	)	PUNCT
gujaf-28	33	20	,	,	PUNCT
gujaf-28	33	21	naseem	naseem	PROPN
gujaf-28	33	22	(	(	PUNCT
gujaf-28	33	23	2017	2017	NUM
gujaf-28	33	24	)	)	PUNCT
gujaf-28	33	25	,	,	PUNCT
gujaf-28	33	26	ortstad	ortstad	NOUN
gujaf-28	33	27	and	and	CCONJ
gujaf-28	33	28	sonono	sonono	ADJ
gujaf-28	33	29	(	(	PUNCT
gujaf-28	33	30	2017	2017	NUM
gujaf-28	33	31	)	)	PUNCT
gujaf-28	33	32	examined	examine	VERB
gujaf-28	33	33	banking	banking	NOUN
gujaf-28	33	34	agency	agency	NOUN
gujaf-28	33	35	through	through	ADP
gujaf-28	33	36	digital	digital	ADJ
gujaf-28	33	37	and	and	CCONJ
gujaf-28	33	38	innovation	innovation	NOUN
gujaf-28	33	39	banking	banking	NOUN
gujaf-28	33	40	strategies	strategy	NOUN
gujaf-28	33	41	on	on	ADP
gujaf-28	33	42	bank	bank	NOUN
gujaf-28	33	43	performance	performance	NOUN
gujaf-28	33	44	.	.	PUNCT
gujaf-28	34	1	these	these	DET
gujaf-28	34	2	studies	study	NOUN
gujaf-28	34	3	found	find	VERB
gujaf-28	34	4	that	that	SCONJ
gujaf-28	34	5	banking	banking	NOUN
gujaf-28	34	6	agency	agency	NOUN
gujaf-28	34	7	through	through	ADP
gujaf-28	34	8	digital	digital	ADJ
gujaf-28	34	9	and	and	CCONJ
gujaf-28	34	10	innovation	innovation	NOUN
gujaf-28	34	11	banking	banking	NOUN
gujaf-28	34	12	strategies	strategy	NOUN
gujaf-28	34	13	significantly	significantly	ADV
gujaf-28	34	14	enhance	enhance	VERB
gujaf-28	34	15	bank	bank	NOUN
gujaf-28	34	16	performance	performance	NOUN
gujaf-28	34	17	.	.	PUNCT
gujaf-28	35	1	similarly	similarly	ADV
gujaf-28	35	2	,	,	PUNCT
gujaf-28	35	3	aini	aini	NOUN
gujaf-28	35	4	(	(	PUNCT
gujaf-28	35	5	2014	2014	NUM
gujaf-28	35	6	)	)	PUNCT
gujaf-28	35	7	,	,	PUNCT
gujaf-28	35	8	gusau	gusau	ADJ
gujaf-28	35	9	journal	journal	NOUN
gujaf-28	35	10	of	of	ADP
gujaf-28	35	11	accounting	accounting	NOUN
gujaf-28	35	12	and	and	CCONJ
gujaf-28	35	13	finance	finance	NOUN
gujaf-28	35	14	,	,	PUNCT
gujaf-28	35	15	vol	vol	NOUN
gujaf-28	35	16	.	.	PUNCT
gujaf-28	36	1	i	i	PRON
gujaf-28	36	2	,	,	PUNCT
gujaf-28	36	3	issue	issue	NOUN
gujaf-28	36	4	2	2	NUM
gujaf-28	36	5	,	,	PUNCT
gujaf-28	36	6	october	october	PROPN
gujaf-28	36	7	,	,	PUNCT
gujaf-28	36	8	2020	2020	NUM
gujaf-28	36	9	4	4	NUM
gujaf-28	36	10	mbugua	mbugua	NOUN
gujaf-28	36	11	(	(	PUNCT
gujaf-28	36	12	2015	2015	NUM
gujaf-28	36	13	)	)	PUNCT
gujaf-28	36	14	,	,	PUNCT
gujaf-28	36	15	lotto	lotto	NOUN
gujaf-28	36	16	(	(	PUNCT
gujaf-28	36	17	2016	2016	NUM
gujaf-28	36	18	)	)	PUNCT
gujaf-28	36	19	,	,	PUNCT
gujaf-28	36	20	munoru	munoru	NOUN
gujaf-28	36	21	(	(	PUNCT
gujaf-28	36	22	2016	2016	NUM
gujaf-28	36	23	)	)	PUNCT
gujaf-28	36	24	,	,	PUNCT
gujaf-28	36	25	and	and	CCONJ
gujaf-28	36	26	dzombo	dzombo	PROPN
gujaf-28	36	27	,	,	PUNCT
gujaf-28	36	28	kilika	kilika	NOUN
gujaf-28	36	29	and	and	CCONJ
gujaf-28	36	30	maingi	maingi	PROPN
gujaf-28	36	31	(	(	PUNCT
gujaf-28	36	32	2017	2017	NUM
gujaf-28	36	33	)	)	PUNCT
gujaf-28	36	34	investigated	investigate	VERB
gujaf-28	36	35	the	the	DET
gujaf-28	36	36	link	link	NOUN
gujaf-28	36	37	between	between	ADP
gujaf-28	36	38	agent	agent	NOUN
gujaf-28	36	39	banking	banking	NOUN
gujaf-28	36	40	services	service	NOUN
gujaf-28	36	41	and	and	CCONJ
gujaf-28	36	42	financial	financial	ADJ
gujaf-28	36	43	inclusion	inclusion	NOUN
gujaf-28	36	44	.	.	PUNCT
gujaf-28	37	1	findings	finding	NOUN
gujaf-28	37	2	of	of	ADP
gujaf-28	37	3	these	these	DET
gujaf-28	37	4	studies	study	NOUN
gujaf-28	37	5	indicated	indicate	VERB
gujaf-28	37	6	that	that	SCONJ
gujaf-28	37	7	customers	customer	NOUN
gujaf-28	37	8	were	be	AUX
gujaf-28	37	9	inclined	incline	VERB
gujaf-28	37	10	to	to	PART
gujaf-28	37	11	forego	forego	VERB
gujaf-28	37	12	the	the	DET
gujaf-28	37	13	extra	extra	ADJ
gujaf-28	37	14	charge	charge	NOUN
gujaf-28	37	15	to	to	PART
gujaf-28	37	16	procure	procure	VERB
gujaf-28	37	17	banking	banking	NOUN
gujaf-28	37	18	facilities	facility	NOUN
gujaf-28	37	19	through	through	ADP
gujaf-28	37	20	agent	agent	NOUN
gujaf-28	37	21	banking	banking	NOUN
gujaf-28	37	22	outlets	outlet	NOUN
gujaf-28	37	23	.	.	PUNCT
gujaf-28	38	1	in	in	ADP
gujaf-28	38	2	addition	addition	NOUN
gujaf-28	38	3	,	,	PUNCT
gujaf-28	38	4	further	further	ADJ
gujaf-28	38	5	studies	study	NOUN
gujaf-28	38	6	such	such	ADJ
gujaf-28	38	7	as	as	ADP
gujaf-28	38	8	jayo	jayo	NOUN
gujaf-28	38	9	,	,	PUNCT
gujaf-28	38	10	eduardo	eduardo	PROPN
gujaf-28	38	11	,	,	PUNCT
gujaf-28	38	12	felipe	felipe	PROPN
gujaf-28	38	13	,	,	PUNCT
gujaf-28	38	14	and	and	CCONJ
gujaf-28	38	15	christopoulos	christopoulo	NOUN
gujaf-28	38	16	(	(	PUNCT
gujaf-28	38	17	2012	2012	NUM
gujaf-28	38	18	)	)	PUNCT
gujaf-28	38	19	,	,	PUNCT
gujaf-28	38	20	okiro	okiro	NOUN
gujaf-28	38	21	and	and	CCONJ
gujaf-28	38	22	ndungu	ndungu	NOUN
gujaf-28	38	23	(	(	PUNCT
gujaf-28	38	24	2013	2013	NUM
gujaf-28	38	25	)	)	PUNCT
gujaf-28	38	26	,	,	PUNCT
gujaf-28	38	27	dzombo	dzombo	PROPN
gujaf-28	38	28	,	,	PUNCT
gujaf-28	38	29	kilika	kilika	NOUN
gujaf-28	38	30	and	and	CCONJ
gujaf-28	38	31	maingi	maingi	PROPN
gujaf-28	38	32	(	(	PUNCT
gujaf-28	38	33	2017	2017	NUM
gujaf-28	38	34	)	)	PUNCT
gujaf-28	38	35	,	,	PUNCT
gujaf-28	38	36	muthoka	muthoka	NOUN
gujaf-28	38	37	,	,	PUNCT
gujaf-28	38	38	oluoch	oluoch	ADV
gujaf-28	38	39	and	and	CCONJ
gujaf-28	38	40	muiruri	muiruri	NOUN
gujaf-28	38	41	(	(	PUNCT
gujaf-28	38	42	2018	2018	NUM
gujaf-28	38	43	)	)	PUNCT
gujaf-28	38	44	,	,	PUNCT
gujaf-28	38	45	chipeta	chipeta	NOUN
gujaf-28	38	46	and	and	CCONJ
gujaf-28	38	47	muthinja	muthinja	NOUN
gujaf-28	38	48	(	(	PUNCT
gujaf-28	38	49	2018	2018	NUM
gujaf-28	38	50	)	)	PUNCT
gujaf-28	38	51	,	,	PUNCT
gujaf-28	38	52	muoria	muoria	NOUN
gujaf-28	38	53	and	and	CCONJ
gujaf-28	38	54	moronge	moronge	NOUN
gujaf-28	38	55	(	(	PUNCT
gujaf-28	38	56	2018	2018	NUM
gujaf-28	38	57	)	)	PUNCT
gujaf-28	38	58	,	,	PUNCT
gujaf-28	38	59	among	among	ADP
gujaf-28	38	60	others	other	NOUN
gujaf-28	38	61	examined	examine	VERB
gujaf-28	38	62	the	the	DET
gujaf-28	38	63	link	link	NOUN
gujaf-28	38	64	between	between	ADP
gujaf-28	38	65	bank	bank	NOUN
gujaf-28	38	66	agency	agency	PROPN
gujaf-28	38	67	,	,	PUNCT
gujaf-28	38	68	bank	bank	NOUN
gujaf-28	38	69	innovation	innovation	NOUN
gujaf-28	38	70	,	,	PUNCT
gujaf-28	38	71	customer	customer	NOUN
gujaf-28	38	72	retention	retention	NOUN
gujaf-28	38	73	and	and	CCONJ
gujaf-28	38	74	commercial	commercial	ADJ
gujaf-28	38	75	bank	bank	NOUN
gujaf-28	38	76	performance	performance	NOUN
gujaf-28	38	77	.	.	PUNCT
gujaf-28	39	1	their	their	PRON
gujaf-28	39	2	studies	study	NOUN
gujaf-28	39	3	found	find	VERB
gujaf-28	39	4	that	that	SCONJ
gujaf-28	39	5	bank	bank	NOUN
gujaf-28	39	6	agency	agency	NOUN
gujaf-28	39	7	and	and	CCONJ
gujaf-28	39	8	innovation	innovation	NOUN
gujaf-28	39	9	positively	positively	ADV
gujaf-28	39	10	affect	affect	VERB
gujaf-28	39	11	bank	bank	NOUN
gujaf-28	39	12	performance	performance	NOUN
gujaf-28	39	13	and	and	CCONJ
gujaf-28	39	14	customer	customer	NOUN
gujaf-28	39	15	retention	retention	NOUN
gujaf-28	39	16	of	of	ADP
gujaf-28	39	17	banks	bank	NOUN
gujaf-28	39	18	.	.	PUNCT
gujaf-28	40	1	most	most	ADJ
gujaf-28	40	2	of	of	ADP
gujaf-28	40	3	these	these	DET
gujaf-28	40	4	past	past	ADJ
gujaf-28	40	5	studies	study	NOUN
gujaf-28	40	6	employed	employ	VERB
gujaf-28	40	7	ordinary	ordinary	ADJ
gujaf-28	40	8	least	least	ADJ
gujaf-28	40	9	square	square	ADJ
gujaf-28	40	10	(	(	PUNCT
gujaf-28	40	11	ols	ol	NOUN
gujaf-28	40	12	)	)	PUNCT
gujaf-28	40	13	regression	regression	NOUN
gujaf-28	40	14	method	method	NOUN
gujaf-28	40	15	of	of	ADP
gujaf-28	40	16	analysis	analysis	NOUN
gujaf-28	40	17	to	to	PART
gujaf-28	40	18	investigate	investigate	VERB
gujaf-28	40	19	the	the	DET
gujaf-28	40	20	effect	effect	NOUN
gujaf-28	40	21	of	of	ADP
gujaf-28	40	22	bank	bank	NOUN
gujaf-28	40	23	agency	agency	NOUN
gujaf-28	40	24	and	and	CCONJ
gujaf-28	40	25	innovation	innovation	NOUN
gujaf-28	40	26	on	on	ADP
gujaf-28	40	27	bank	bank	NOUN
gujaf-28	40	28	performance	performance	NOUN
gujaf-28	40	29	.	.	PUNCT
gujaf-28	41	1	this	this	DET
gujaf-28	41	2	ols	ol	NOUN
gujaf-28	41	3	regression	regression	NOUN
gujaf-28	41	4	method	method	NOUN
gujaf-28	41	5	of	of	ADP
gujaf-28	41	6	analysis	analysis	NOUN
gujaf-28	41	7	employed	employ	VERB
gujaf-28	41	8	was	be	AUX
gujaf-28	41	9	considered	consider	VERB
gujaf-28	41	10	inappropriate	inappropriate	ADJ
gujaf-28	41	11	for	for	ADP
gujaf-28	41	12	survey	survey	NOUN
gujaf-28	41	13	research	research	NOUN
gujaf-28	41	14	design	design	NOUN
gujaf-28	41	15	study	study	NOUN
gujaf-28	41	16	.	.	PUNCT
gujaf-28	42	1	this	this	DET
gujaf-28	42	2	study	study	NOUN
gujaf-28	42	3	employed	employ	VERB
gujaf-28	42	4	tobit	tobit	PROPN
gujaf-28	42	5	regression	regression	NOUN
gujaf-28	42	6	method	method	NOUN
gujaf-28	42	7	of	of	ADP
gujaf-28	42	8	analysis	analysis	NOUN
gujaf-28	42	9	as	as	ADP
gujaf-28	42	10	the	the	DET
gujaf-28	42	11	appropriate	appropriate	ADJ
gujaf-28	42	12	method	method	NOUN
gujaf-28	42	13	to	to	PART
gujaf-28	42	14	determine	determine	VERB
gujaf-28	42	15	effect	effect	NOUN
gujaf-28	42	16	of	of	ADP
gujaf-28	42	17	agency	agency	NOUN
gujaf-28	42	18	banking	banking	NOUN
gujaf-28	42	19	strategies	strategy	NOUN
gujaf-28	42	20	on	on	ADP
gujaf-28	42	21	financial	financial	ADJ
gujaf-28	42	22	inclusion	inclusion	NOUN
gujaf-28	42	23	among	among	ADP
gujaf-28	42	24	rural	rural	ADJ
gujaf-28	42	25	areas	area	NOUN
gujaf-28	42	26	in	in	ADP
gujaf-28	42	27	kwara	kwara	PROPN
gujaf-28	42	28	state	state	PROPN
gujaf-28	42	29	,	,	PUNCT
gujaf-28	42	30	nigeria	nigeria	PROPN
gujaf-28	42	31	.	.	PUNCT
gujaf-28	43	1	similarly	similarly	ADV
gujaf-28	43	2	,	,	PUNCT
gujaf-28	43	3	ajide	ajide	ADV
gujaf-28	43	4	(	(	PUNCT
gujaf-28	43	5	2017	2017	NUM
gujaf-28	43	6	)	)	PUNCT
gujaf-28	43	7	,	,	PUNCT
gujaf-28	43	8	ndegwa	ndegwa	NOUN
gujaf-28	43	9	(	(	PUNCT
gujaf-28	43	10	2017	2017	NUM
gujaf-28	43	11	)	)	PUNCT
gujaf-28	43	12	,	,	PUNCT
gujaf-28	43	13	tinevimbo	tinevimbo	ADJ
gujaf-28	43	14	,	,	PUNCT
gujaf-28	43	15	mawanza	mawanza	ADJ
gujaf-28	43	16	and	and	CCONJ
gujaf-28	43	17	muredzi	muredzi	PROPN
gujaf-28	43	18	(	(	PUNCT
gujaf-28	43	19	2017	2017	NUM
gujaf-28	43	20	)	)	PUNCT
gujaf-28	43	21	and	and	CCONJ
gujaf-28	43	22	ojwang	ojwang	NOUN
gujaf-28	43	23	and	and	CCONJ
gujaf-28	43	24	otinga	otinga	PROPN
gujaf-28	43	25	(	(	PUNCT
gujaf-28	43	26	2019	2019	NUM
gujaf-28	43	27	)	)	PUNCT
gujaf-28	43	28	evaluate	evaluate	VERB
gujaf-28	43	29	the	the	DET
gujaf-28	43	30	link	link	NOUN
gujaf-28	43	31	between	between	ADP
gujaf-28	43	32	financial	financial	ADJ
gujaf-28	43	33	inclusion	inclusion	NOUN
gujaf-28	43	34	and	and	CCONJ
gujaf-28	43	35	agency	agency	NOUN
gujaf-28	43	36	banking	banking	NOUN
gujaf-28	43	37	.	.	PUNCT
gujaf-28	44	1	their	their	PRON
gujaf-28	44	2	findings	finding	NOUN
gujaf-28	44	3	revealed	reveal	VERB
gujaf-28	44	4	that	that	SCONJ
gujaf-28	44	5	agency	agency	NOUN
gujaf-28	44	6	banking	banking	NOUN
gujaf-28	44	7	significantly	significantly	ADV
gujaf-28	44	8	expand	expand	VERB
gujaf-28	44	9	bank	bank	NOUN
gujaf-28	44	10	geographic	geographic	ADJ
gujaf-28	44	11	coverage	coverage	NOUN
gujaf-28	44	12	which	which	PRON
gujaf-28	44	13	enhances	enhance	VERB
gujaf-28	44	14	increase	increase	NOUN
gujaf-28	44	15	in	in	ADP
gujaf-28	44	16	the	the	DET
gujaf-28	44	17	bank	bank	NOUN
gujaf-28	44	18	customer	customer	NOUN
gujaf-28	44	19	base	base	NOUN
gujaf-28	44	20	and	and	CCONJ
gujaf-28	44	21	positively	positively	ADV
gujaf-28	44	22	affected	affect	VERB
gujaf-28	44	23	financial	financial	ADJ
gujaf-28	44	24	performance	performance	NOUN
gujaf-28	44	25	of	of	ADP
gujaf-28	44	26	equity	equity	NOUN
gujaf-28	44	27	agency	agency	PROPN
gujaf-28	44	28	banking	banking	NOUN
gujaf-28	44	29	business	business	NOUN
gujaf-28	44	30	.	.	PUNCT
gujaf-28	45	1	however	however	ADV
gujaf-28	45	2	,	,	PUNCT
gujaf-28	45	3	studies	study	NOUN
gujaf-28	45	4	on	on	ADP
gujaf-28	45	5	the	the	DET
gujaf-28	45	6	effect	effect	NOUN
gujaf-28	45	7	of	of	ADP
gujaf-28	45	8	agency	agency	NOUN
gujaf-28	45	9	banking	banking	NOUN
gujaf-28	45	10	strategies	strategy	NOUN
gujaf-28	45	11	measured	measure	VERB
gujaf-28	45	12	by	by	ADP
gujaf-28	45	13	bank	bank	NOUN
gujaf-28	45	14	innovation	innovation	NOUN
gujaf-28	45	15	strategy	strategy	NOUN
gujaf-28	45	16	,	,	PUNCT
gujaf-28	45	17	geographical	geographical	ADJ
gujaf-28	45	18	coverage	coverage	NOUN
gujaf-28	45	19	strategy	strategy	NOUN
gujaf-28	45	20	and	and	CCONJ
gujaf-28	45	21	technology	technology	NOUN
gujaf-28	45	22	advancement	advancement	NOUN
gujaf-28	45	23	strategy	strategy	NOUN
gujaf-28	45	24	on	on	ADP
gujaf-28	45	25	financial	financial	ADJ
gujaf-28	45	26	inclusion	inclusion	NOUN
gujaf-28	45	27	among	among	ADP
gujaf-28	45	28	rural	rural	ADJ
gujaf-28	45	29	area	area	NOUN
gujaf-28	45	30	segment	segment	NOUN
gujaf-28	45	31	in	in	ADP
gujaf-28	45	32	kwara	kwara	PROPN
gujaf-28	45	33	state	state	PROPN
gujaf-28	45	34	,	,	PUNCT
gujaf-28	45	35	nigeria	nigeria	PROPN
gujaf-28	45	36	are	be	AUX
gujaf-28	45	37	close	close	ADJ
gujaf-28	45	38	to	to	ADP
gujaf-28	45	39	non	non	ADJ
gujaf-28	45	40	-	-	NOUN
gujaf-28	45	41	existence	existence	NOUN
gujaf-28	45	42	.	.	PUNCT
gujaf-28	46	1	based	base	VERB
gujaf-28	46	2	on	on	ADP
gujaf-28	46	3	these	these	DET
gujaf-28	46	4	gaps	gap	NOUN
gujaf-28	46	5	,	,	PUNCT
gujaf-28	46	6	this	this	DET
gujaf-28	46	7	study	study	NOUN
gujaf-28	46	8	developed	develop	VERB
gujaf-28	46	9	hypotheses	hypothesis	NOUN
gujaf-28	46	10	in	in	ADP
gujaf-28	46	11	null	null	ADJ
gujaf-28	46	12	form	form	NOUN
gujaf-28	46	13	that	that	PRON
gujaf-28	46	14	;	;	PUNCT
gujaf-28	46	15	h01	h01	NOUN
gujaf-28	46	16	:	:	PUNCT
gujaf-28	46	17	there	there	PRON
gujaf-28	46	18	is	be	VERB
gujaf-28	46	19	no	no	DET
gujaf-28	46	20	significant	significant	ADJ
gujaf-28	46	21	effect	effect	NOUN
gujaf-28	46	22	of	of	ADP
gujaf-28	46	23	bank	bank	NOUN
gujaf-28	46	24	innovation	innovation	NOUN
gujaf-28	46	25	strategy	strategy	NOUN
gujaf-28	46	26	on	on	ADP
gujaf-28	46	27	financial	financial	ADJ
gujaf-28	46	28	inclusion	inclusion	NOUN
gujaf-28	46	29	of	of	ADP
gujaf-28	46	30	rural	rural	ADJ
gujaf-28	46	31	segments	segment	NOUN
gujaf-28	46	32	in	in	ADP
gujaf-28	46	33	kwara	kwara	PROPN
gujaf-28	46	34	state	state	PROPN
gujaf-28	46	35	,	,	PUNCT
gujaf-28	46	36	nigeria	nigeria	PROPN
gujaf-28	46	37	h02	h02	PROPN
gujaf-28	46	38	:	:	PUNCT
gujaf-28	46	39	there	there	PRON
gujaf-28	46	40	is	be	VERB
gujaf-28	46	41	no	no	DET
gujaf-28	46	42	significant	significant	ADJ
gujaf-28	46	43	effect	effect	NOUN
gujaf-28	46	44	of	of	ADP
gujaf-28	46	45	geographical	geographical	ADJ
gujaf-28	46	46	coverage	coverage	NOUN
gujaf-28	46	47	strategy	strategy	NOUN
gujaf-28	46	48	on	on	ADP
gujaf-28	46	49	financial	financial	ADJ
gujaf-28	46	50	inclusion	inclusion	NOUN
gujaf-28	46	51	of	of	ADP
gujaf-28	46	52	rural	rural	ADJ
gujaf-28	46	53	segments	segment	NOUN
gujaf-28	46	54	in	in	ADP
gujaf-28	46	55	kwara	kwara	PROPN
gujaf-28	46	56	state	state	PROPN
gujaf-28	46	57	,	,	PUNCT
gujaf-28	46	58	nigeria	nigeria	PROPN
gujaf-28	46	59	;	;	PUNCT
gujaf-28	46	60	and	and	CCONJ
gujaf-28	46	61	gusau	gusau	ADJ
gujaf-28	46	62	journal	journal	NOUN
gujaf-28	46	63	of	of	ADP
gujaf-28	46	64	accounting	accounting	NOUN
gujaf-28	46	65	and	and	CCONJ
gujaf-28	46	66	finance	finance	NOUN
gujaf-28	46	67	,	,	PUNCT
gujaf-28	46	68	vol	vol	NOUN
gujaf-28	46	69	.	.	PUNCT
gujaf-28	47	1	i	i	PRON
gujaf-28	47	2	,	,	PUNCT
gujaf-28	47	3	issue	issue	NOUN
gujaf-28	47	4	2	2	NUM
gujaf-28	47	5	,	,	PUNCT
gujaf-28	47	6	october	october	PROPN
gujaf-28	47	7	,	,	PUNCT
gujaf-28	47	8	2020	2020	NUM
gujaf-28	47	9	5	5	NUM
gujaf-28	47	10	h03	h03	NOUN
gujaf-28	47	11	:	:	PUNCT
gujaf-28	47	12	there	there	PRON
gujaf-28	47	13	is	be	VERB
gujaf-28	47	14	no	no	DET
gujaf-28	47	15	significant	significant	ADJ
gujaf-28	47	16	effect	effect	NOUN
gujaf-28	47	17	of	of	ADP
gujaf-28	47	18	technological	technological	ADJ
gujaf-28	47	19	advancement	advancement	NOUN
gujaf-28	47	20	strategy	strategy	NOUN
gujaf-28	47	21	on	on	ADP
gujaf-28	47	22	financial	financial	ADJ
gujaf-28	47	23	inclusion	inclusion	NOUN
gujaf-28	47	24	of	of	ADP
gujaf-28	47	25	rural	rural	ADJ
gujaf-28	47	26	segments	segment	NOUN
gujaf-28	47	27	in	in	ADP
gujaf-28	47	28	kwara	kwara	PROPN
gujaf-28	47	29	state	state	PROPN
gujaf-28	47	30	,	,	PUNCT
gujaf-28	47	31	nigeria	nigeria	PROPN
gujaf-28	47	32	2.2	2.2	NUM
gujaf-28	47	33	underpinned	underpinned	ADJ
gujaf-28	47	34	theory	theory	NOUN
gujaf-28	47	35	the	the	DET
gujaf-28	47	36	anchored	anchored	ADJ
gujaf-28	47	37	theory	theory	NOUN
gujaf-28	47	38	for	for	ADP
gujaf-28	47	39	this	this	DET
gujaf-28	47	40	study	study	NOUN
gujaf-28	47	41	was	be	AUX
gujaf-28	47	42	technology	technology	NOUN
gujaf-28	47	43	acceptance	acceptance	NOUN
gujaf-28	47	44	model	model	NOUN
gujaf-28	47	45	theory	theory	NOUN
gujaf-28	47	46	which	which	PRON
gujaf-28	47	47	was	be	AUX
gujaf-28	47	48	explained	explain	VERB
gujaf-28	47	49	below	below	ADV
gujaf-28	47	50	.	.	PUNCT
gujaf-28	48	1	2.2.1	2.2.1	NUM
gujaf-28	48	2	technology	technology	NOUN
gujaf-28	48	3	acceptance	acceptance	NOUN
gujaf-28	48	4	model	model	NOUN
gujaf-28	48	5	theory	theory	NOUN
gujaf-28	48	6	the	the	DET
gujaf-28	48	7	technology	technology	NOUN
gujaf-28	48	8	acceptance	acceptance	NOUN
gujaf-28	48	9	model	model	NOUN
gujaf-28	48	10	(	(	PUNCT
gujaf-28	48	11	tam	tam	NOUN
gujaf-28	48	12	)	)	PUNCT
gujaf-28	48	13	theory	theory	NOUN
gujaf-28	48	14	was	be	AUX
gujaf-28	48	15	developed	develop	VERB
gujaf-28	48	16	by	by	ADP
gujaf-28	48	17	davis	davis	PROPN
gujaf-28	48	18	(	(	PUNCT
gujaf-28	48	19	1989	1989	NUM
gujaf-28	48	20	)	)	PUNCT
gujaf-28	48	21	.	.	PUNCT
gujaf-28	49	1	the	the	DET
gujaf-28	49	2	theory	theory	NOUN
gujaf-28	49	3	clarifies	clarify	VERB
gujaf-28	49	4	bank	bank	NOUN
gujaf-28	49	5	customer	customer	NOUN
gujaf-28	49	6	recognize	recognize	VERB
gujaf-28	49	7	and	and	CCONJ
gujaf-28	49	8	exploit	exploit	VERB
gujaf-28	49	9	bank	bank	NOUN
gujaf-28	49	10	rural	rural	ADJ
gujaf-28	49	11	development	development	NOUN
gujaf-28	49	12	innovation	innovation	NOUN
gujaf-28	49	13	and	and	CCONJ
gujaf-28	49	14	technology	technology	NOUN
gujaf-28	49	15	.	.	PUNCT
gujaf-28	50	1	the	the	DET
gujaf-28	50	2	tam	tam	NOUN
gujaf-28	50	3	proclaims	proclaim	VERB
gujaf-28	50	4	that	that	SCONJ
gujaf-28	50	5	bank	bank	NOUN
gujaf-28	50	6	customers	customer	NOUN
gujaf-28	50	7	were	be	AUX
gujaf-28	50	8	offered	offer	VERB
gujaf-28	50	9	an	an	DET
gujaf-28	50	10	alternative	alternative	ADJ
gujaf-28	50	11	technological	technological	ADJ
gujaf-28	50	12	innovation	innovation	NOUN
gujaf-28	50	13	which	which	PRON
gujaf-28	50	14	determined	determine	VERB
gujaf-28	50	15	bank	bank	NOUN
gujaf-28	50	16	customer	customer	NOUN
gujaf-28	50	17	choices	choice	NOUN
gujaf-28	50	18	on	on	ADP
gujaf-28	50	19	the	the	DET
gujaf-28	50	20	means	mean	NOUN
gujaf-28	50	21	of	of	ADP
gujaf-28	50	22	banking	banking	NOUN
gujaf-28	50	23	facilities	facility	NOUN
gujaf-28	50	24	used	use	VERB
gujaf-28	50	25	by	by	ADP
gujaf-28	50	26	the	the	DET
gujaf-28	50	27	customers	customer	NOUN
gujaf-28	50	28	;	;	PUNCT
gujaf-28	50	29	as	as	SCONJ
gujaf-28	50	30	tam	tam	NOUN
gujaf-28	50	31	enhances	enhance	VERB
gujaf-28	50	32	technology	technology	NOUN
gujaf-28	50	33	accessibility	accessibility	NOUN
gujaf-28	50	34	and	and	CCONJ
gujaf-28	50	35	effectiveness	effectiveness	NOUN
gujaf-28	50	36	to	to	ADP
gujaf-28	50	37	both	both	DET
gujaf-28	50	38	banks	bank	NOUN
gujaf-28	50	39	and	and	CCONJ
gujaf-28	50	40	bank	bank	NOUN
gujaf-28	50	41	customers	customer	NOUN
gujaf-28	50	42	in	in	ADP
gujaf-28	50	43	their	their	PRON
gujaf-28	50	44	dealings	dealing	NOUN
gujaf-28	50	45	and	and	CCONJ
gujaf-28	50	46	functions	function	NOUN
gujaf-28	50	47	(	(	PUNCT
gujaf-28	50	48	davis	davis	PROPN
gujaf-28	50	49	,	,	PUNCT
gujaf-28	50	50	toxall	toxall	PROPN
gujaf-28	50	51	&	&	CCONJ
gujaf-28	50	52	pallister	pallister	NOUN
gujaf-28	50	53	,	,	PUNCT
gujaf-28	50	54	2002	2002	NUM
gujaf-28	50	55	)	)	PUNCT
gujaf-28	50	56	.	.	PUNCT
gujaf-28	51	1	tam	tam	PROPN
gujaf-28	51	2	focused	focus	VERB
gujaf-28	51	3	on	on	ADP
gujaf-28	51	4	the	the	DET
gujaf-28	51	5	individuals	individual	NOUN
gujaf-28	51	6	’	’	PART
gujaf-28	51	7	customer	customer	NOUN
gujaf-28	51	8	behavioural	behavioural	ADJ
gujaf-28	51	9	intentions	intention	NOUN
gujaf-28	51	10	and	and	CCONJ
gujaf-28	51	11	ict	ict	NOUN
gujaf-28	51	12	users	user	NOUN
gujaf-28	51	13	in	in	ADP
gujaf-28	51	14	the	the	DET
gujaf-28	51	15	bank	bank	NOUN
gujaf-28	51	16	.	.	PUNCT
gujaf-28	52	1	tam	tam	PROPN
gujaf-28	52	2	argued	argue	VERB
gujaf-28	52	3	that	that	SCONJ
gujaf-28	52	4	the	the	DET
gujaf-28	52	5	individual	individual	ADJ
gujaf-28	52	6	or	or	CCONJ
gujaf-28	52	7	bank	bank	NOUN
gujaf-28	52	8	customer	customer	NOUN
gujaf-28	52	9	attitude	attitude	NOUN
gujaf-28	52	10	towards	towards	ADP
gujaf-28	52	11	banking	banking	NOUN
gujaf-28	52	12	technology	technology	NOUN
gujaf-28	52	13	depends	depend	VERB
gujaf-28	52	14	on	on	ADP
gujaf-28	52	15	the	the	DET
gujaf-28	52	16	intent	intent	NOUN
gujaf-28	52	17	and	and	CCONJ
gujaf-28	52	18	objective	objective	NOUN
gujaf-28	52	19	of	of	ADP
gujaf-28	52	20	bank	bank	NOUN
gujaf-28	52	21	and	and	CCONJ
gujaf-28	52	22	bank	bank	NOUN
gujaf-28	52	23	customers	customer	NOUN
gujaf-28	52	24	,	,	PUNCT
gujaf-28	52	25	thus	thus	ADV
gujaf-28	52	26	influenced	influence	VERB
gujaf-28	52	27	bank	bank	NOUN
gujaf-28	52	28	customer	customer	NOUN
gujaf-28	52	29	or	or	CCONJ
gujaf-28	52	30	user	user	NOUN
gujaf-28	52	31	’s	’s	PART
gujaf-28	52	32	attitude	attitude	NOUN
gujaf-28	52	33	toward	toward	ADP
gujaf-28	52	34	and	and	CCONJ
gujaf-28	52	35	perceived	perceive	VERB
gujaf-28	52	36	usefulness	usefulness	NOUN
gujaf-28	52	37	of	of	ADP
gujaf-28	52	38	the	the	DET
gujaf-28	52	39	bank	bank	NOUN
gujaf-28	52	40	technology	technology	NOUN
gujaf-28	52	41	(	(	PUNCT
gujaf-28	52	42	bagozzi	bagozzi	ADJ
gujaf-28	52	43	,	,	PUNCT
gujaf-28	52	44	2007	2007	NUM
gujaf-28	52	45	)	)	PUNCT
gujaf-28	52	46	.	.	PUNCT
gujaf-28	53	1	however	however	ADV
gujaf-28	53	2	,	,	PUNCT
gujaf-28	53	3	attitude	attitude	NOUN
gujaf-28	53	4	and	and	CCONJ
gujaf-28	53	5	perceived	perceive	VERB
gujaf-28	53	6	usefulness	usefulness	NOUN
gujaf-28	53	7	are	be	AUX
gujaf-28	53	8	both	both	PRON
gujaf-28	53	9	determined	determine	VERB
gujaf-28	53	10	by	by	ADP
gujaf-28	53	11	ease	ease	NOUN
gujaf-28	53	12	of	of	ADP
gujaf-28	53	13	use	use	NOUN
gujaf-28	53	14	technology	technology	NOUN
gujaf-28	53	15	.	.	PUNCT
gujaf-28	54	1	embracing	embrace	VERB
gujaf-28	54	2	the	the	DET
gujaf-28	54	3	tam	tam	NOUN
gujaf-28	54	4	theory	theory	NOUN
gujaf-28	54	5	necessitates	necessitate	VERB
gujaf-28	54	6	the	the	DET
gujaf-28	54	7	considerate	considerate	NOUN
gujaf-28	54	8	of	of	ADP
gujaf-28	54	9	end	end	NOUN
gujaf-28	54	10	-	-	PUNCT
gujaf-28	54	11	users	user	NOUN
gujaf-28	54	12	desires	desire	NOUN
gujaf-28	54	13	vis	vis	X
gujaf-28	54	14	-	-	ADJ
gujaf-28	54	15	à	à	X
gujaf-28	54	16	-	-	PUNCT
gujaf-28	54	17	vis	vis	X
gujaf-28	54	18	usefulness	usefulness	NOUN
gujaf-28	54	19	and	and	CCONJ
gujaf-28	54	20	user	user	NOUN
gujaf-28	54	21	friendliness	friendliness	NOUN
gujaf-28	54	22	of	of	ADP
gujaf-28	54	23	banking	banking	NOUN
gujaf-28	54	24	technology	technology	NOUN
gujaf-28	54	25	(	(	PUNCT
gujaf-28	54	26	pedersen	pedersen	NOUN
gujaf-28	54	27	,	,	PUNCT
gujaf-28	54	28	leif	leif	NOUN
gujaf-28	54	29	,	,	PUNCT
gujaf-28	54	30	&	&	CCONJ
gujaf-28	54	31	thorbjørnsen	thorbjørnsen	PROPN
gujaf-28	54	32	,	,	PUNCT
gujaf-28	54	33	2002	2002	NUM
gujaf-28	54	34	)	)	PUNCT
gujaf-28	54	35	.	.	PUNCT
gujaf-28	55	1	from	from	ADP
gujaf-28	55	2	this	this	DET
gujaf-28	55	3	tam	tam	NOUN
gujaf-28	55	4	theory	theory	NOUN
gujaf-28	55	5	,	,	PUNCT
gujaf-28	55	6	utility	utility	NOUN
gujaf-28	55	7	and	and	CCONJ
gujaf-28	55	8	user	user	NOUN
gujaf-28	55	9	friendliness	friendliness	NOUN
gujaf-28	55	10	affect	affect	VERB
gujaf-28	55	11	users	user	NOUN
gujaf-28	55	12	'	'	PART
gujaf-28	55	13	attitudes	attitude	NOUN
gujaf-28	55	14	towards	towards	ADP
gujaf-28	55	15	any	any	DET
gujaf-28	55	16	service	service	NOUN
gujaf-28	55	17	(	(	PUNCT
gujaf-28	55	18	achugamonu	achugamonu	NOUN
gujaf-28	55	19	,	,	PUNCT
gujaf-28	55	20	taiwo	taiwo	PROPN
gujaf-28	55	21	,	,	PUNCT
gujaf-28	55	22	ikpefan	ikpefan	NOUN
gujaf-28	55	23	,	,	PUNCT
gujaf-28	55	24	olurinola	olurinola	PROPN
gujaf-28	55	25	,	,	PUNCT
gujaf-28	55	26	&	&	CCONJ
gujaf-28	55	27	okorie	okorie	ADV
gujaf-28	55	28	,	,	PUNCT
gujaf-28	55	29	2016	2016	NUM
gujaf-28	55	30	)	)	PUNCT
gujaf-28	55	31	.	.	PUNCT
gujaf-28	56	1	technology	technology	NOUN
gujaf-28	56	2	acceptance	acceptance	NOUN
gujaf-28	56	3	model	model	NOUN
gujaf-28	56	4	theory	theory	NOUN
gujaf-28	56	5	pointed	point	VERB
gujaf-28	56	6	that	that	SCONJ
gujaf-28	56	7	bank	bank	NOUN
gujaf-28	56	8	technology	technology	NOUN
gujaf-28	56	9	innovation	innovation	NOUN
gujaf-28	56	10	help	help	VERB
gujaf-28	56	11	banks	bank	NOUN
gujaf-28	56	12	capacity	capacity	NOUN
gujaf-28	56	13	functions	function	NOUN
gujaf-28	56	14	and	and	CCONJ
gujaf-28	56	15	extension	extension	NOUN
gujaf-28	56	16	to	to	ADP
gujaf-28	56	17	rural	rural	ADJ
gujaf-28	56	18	areas	area	NOUN
gujaf-28	56	19	which	which	PRON
gujaf-28	56	20	heighten	heighten	VERB
gujaf-28	56	21	financial	financial	ADJ
gujaf-28	56	22	function	function	NOUN
gujaf-28	56	23	and	and	CCONJ
gujaf-28	56	24	system	system	NOUN
gujaf-28	56	25	.	.	PUNCT
gujaf-28	57	1	pedersen	pedersen	NOUN
gujaf-28	57	2	,	,	PUNCT
gujaf-28	57	3	leif	leif	NOUN
gujaf-28	57	4	,	,	PUNCT
gujaf-28	57	5	and	and	CCONJ
gujaf-28	57	6	thorbjørnsen	thorbjørnsen	NOUN
gujaf-28	57	7	(	(	PUNCT
gujaf-28	57	8	2002	2002	NUM
gujaf-28	57	9	)	)	PUNCT
gujaf-28	57	10	criticized	criticize	VERB
gujaf-28	57	11	tam	tam	NOUN
gujaf-28	57	12	theory	theory	NOUN
gujaf-28	57	13	as	as	ADP
gujaf-28	57	14	disposition	disposition	NOUN
gujaf-28	57	15	to	to	ADP
gujaf-28	57	16	the	the	DET
gujaf-28	57	17	technological	technological	ADJ
gujaf-28	57	18	/	/	SYM
gujaf-28	57	19	technical	technical	ADJ
gujaf-28	57	20	aspects	aspect	NOUN
gujaf-28	57	21	of	of	ADP
gujaf-28	57	22	the	the	DET
gujaf-28	57	23	banking	banking	NOUN
gujaf-28	57	24	technology	technology	NOUN
gujaf-28	57	25	ignoring	ignore	VERB
gujaf-28	57	26	other	other	ADJ
gujaf-28	57	27	factors	factor	NOUN
gujaf-28	57	28	such	such	ADJ
gujaf-28	57	29	as	as	ADP
gujaf-28	57	30	social	social	ADJ
gujaf-28	57	31	aspect	aspect	NOUN
gujaf-28	57	32	of	of	ADP
gujaf-28	57	33	the	the	DET
gujaf-28	57	34	users	user	NOUN
gujaf-28	57	35	,	,	PUNCT
gujaf-28	57	36	limited	limited	ADJ
gujaf-28	57	37	ability	ability	NOUN
gujaf-28	57	38	,	,	PUNCT
gujaf-28	57	39	time	time	NOUN
gujaf-28	57	40	,	,	PUNCT
gujaf-28	57	41	environmental	environmental	ADJ
gujaf-28	57	42	or	or	CCONJ
gujaf-28	57	43	organizational	organizational	ADJ
gujaf-28	57	44	limits	limit	NOUN
gujaf-28	57	45	and	and	CCONJ
gujaf-28	57	46	unconscious	unconscious	ADJ
gujaf-28	57	47	habits	habit	NOUN
gujaf-28	57	48	will	will	AUX
gujaf-28	57	49	limit	limit	VERB
gujaf-28	57	50	the	the	DET
gujaf-28	57	51	freedom	freedom	NOUN
gujaf-28	57	52	to	to	PART
gujaf-28	57	53	use	use	VERB
gujaf-28	57	54	technology	technology	NOUN
gujaf-28	57	55	(	(	PUNCT
gujaf-28	57	56	pedersen	pedersen	NOUN
gujaf-28	57	57	,	,	PUNCT
gujaf-28	57	58	leif	leif	NOUN
gujaf-28	57	59	,	,	PUNCT
gujaf-28	57	60	&	&	CCONJ
gujaf-28	57	61	thorbjørnsen	thorbjørnsen	PROPN
gujaf-28	57	62	,	,	PUNCT
gujaf-28	57	63	2002	2002	NUM
gujaf-28	57	64	)	)	PUNCT
gujaf-28	57	65	.	.	PUNCT
gujaf-28	58	1	despite	despite	SCONJ
gujaf-28	58	2	tam	tam	NOUN
gujaf-28	58	3	theory	theory	NOUN
gujaf-28	58	4	being	be	AUX
gujaf-28	58	5	an	an	DET
gujaf-28	58	6	anchored	anchored	ADJ
gujaf-28	58	7	theory	theory	NOUN
gujaf-28	58	8	in	in	ADP
gujaf-28	58	9	the	the	DET
gujaf-28	58	10	study	study	NOUN
gujaf-28	58	11	of	of	ADP
gujaf-28	58	12	linking	link	VERB
gujaf-28	58	13	agency	agency	NOUN
gujaf-28	58	14	banking	banking	NOUN
gujaf-28	58	15	,	,	PUNCT
gujaf-28	58	16	financial	financial	ADJ
gujaf-28	58	17	inclusion	inclusion	NOUN
gujaf-28	58	18	through	through	ADP
gujaf-28	58	19	banking	banking	NOUN
gujaf-28	58	20	technology	technology	NOUN
gujaf-28	58	21	in	in	ADP
gujaf-28	58	22	rural	rural	ADJ
gujaf-28	58	23	areas	area	NOUN
gujaf-28	58	24	,	,	PUNCT
gujaf-28	58	25	tam	tam	PROPN
gujaf-28	58	26	has	have	AUX
gujaf-28	58	27	shortcoming	shortcome	VERB
gujaf-28	58	28	such	such	ADJ
gujaf-28	58	29	as	as	ADP
gujaf-28	58	30	purposive	purposive	NOUN
gujaf-28	58	31	designing	design	VERB
gujaf-28	58	32	the	the	DET
gujaf-28	58	33	model	model	NOUN
gujaf-28	58	34	with	with	ADP
gujaf-28	58	35	thrift	thrift	NOUN
gujaf-28	58	36	and	and	CCONJ
gujaf-28	58	37	generality	generality	NOUN
gujaf-28	58	38	,	,	PUNCT
gujaf-28	58	39	poor	poor	ADJ
gujaf-28	58	40	consideration	consideration	NOUN
gujaf-28	58	41	for	for	ADP
gujaf-28	58	42	gusau	gusau	ADJ
gujaf-28	58	43	journal	journal	NOUN
gujaf-28	58	44	of	of	ADP
gujaf-28	58	45	accounting	accounting	NOUN
gujaf-28	58	46	and	and	CCONJ
gujaf-28	58	47	finance	finance	NOUN
gujaf-28	58	48	,	,	PUNCT
gujaf-28	58	49	vol	vol	NOUN
gujaf-28	58	50	.	.	PUNCT
gujaf-28	59	1	i	i	PRON
gujaf-28	59	2	,	,	PUNCT
gujaf-28	59	3	issue	issue	NOUN
gujaf-28	59	4	2	2	NUM
gujaf-28	59	5	,	,	PUNCT
gujaf-28	59	6	october	october	PROPN
gujaf-28	59	7	,	,	PUNCT
gujaf-28	59	8	2020	2020	NUM
gujaf-28	59	9	6	6	NUM
gujaf-28	59	10	non	non	ADJ
gujaf-28	59	11	-	-	ADJ
gujaf-28	59	12	organizational	organizational	ADJ
gujaf-28	59	13	setting	setting	NOUN
gujaf-28	59	14	(	(	PUNCT
gujaf-28	59	15	cicea	cicea	NOUN
gujaf-28	59	16	&	&	CCONJ
gujaf-28	59	17	hincu	hincu	PROPN
gujaf-28	59	18	,	,	PUNCT
gujaf-28	59	19	2009	2009	NUM
gujaf-28	59	20	;	;	PUNCT
gujaf-28	59	21	davis	davis	PROPN
gujaf-28	59	22	&	&	CCONJ
gujaf-28	59	23	venkatesh	venkatesh	PROPN
gujaf-28	59	24	,	,	PUNCT
gujaf-28	59	25	2000	2000	NUM
gujaf-28	59	26	)	)	PUNCT
gujaf-28	59	27	,	,	PUNCT
gujaf-28	59	28	and	and	CCONJ
gujaf-28	59	29	ignoring	ignore	VERB
gujaf-28	59	30	the	the	DET
gujaf-28	59	31	factors	factor	NOUN
gujaf-28	59	32	which	which	PRON
gujaf-28	59	33	moderate	moderate	VERB
gujaf-28	59	34	the	the	DET
gujaf-28	59	35	adoption	adoption	NOUN
gujaf-28	59	36	of	of	ADP
gujaf-28	59	37	ict	ict	PROPN
gujaf-28	59	38	banking	banking	NOUN
gujaf-28	59	39	in	in	ADP
gujaf-28	59	40	rural	rural	ADJ
gujaf-28	59	41	areas	area	NOUN
gujaf-28	59	42	(	(	PUNCT
gujaf-28	59	43	achugamonu	achugamonu	NOUN
gujaf-28	59	44	et	et	PROPN
gujaf-28	59	45	al	al	PROPN
gujaf-28	59	46	.	.	PROPN
gujaf-28	59	47	,	,	PUNCT
gujaf-28	59	48	2016	2016	NUM
gujaf-28	59	49	)	)	PUNCT
gujaf-28	59	50	.	.	PUNCT
gujaf-28	60	1	tam	tam	PROPN
gujaf-28	60	2	is	be	AUX
gujaf-28	60	3	extensively	extensively	ADV
gujaf-28	60	4	embraced	embrace	VERB
gujaf-28	60	5	and	and	CCONJ
gujaf-28	60	6	greatly	greatly	ADV
gujaf-28	60	7	contributes	contribute	VERB
gujaf-28	60	8	to	to	ADP
gujaf-28	60	9	the	the	DET
gujaf-28	60	10	prediction	prediction	NOUN
gujaf-28	60	11	of	of	ADP
gujaf-28	60	12	an	an	DET
gujaf-28	60	13	individual	individual	NOUN
gujaf-28	60	14	’s	’s	PART
gujaf-28	60	15	usage	usage	NOUN
gujaf-28	60	16	of	of	ADP
gujaf-28	60	17	bank	bank	NOUN
gujaf-28	60	18	technological	technological	ADJ
gujaf-28	60	19	extension	extension	NOUN
gujaf-28	60	20	to	to	ADP
gujaf-28	60	21	rural	rural	ADJ
gujaf-28	60	22	areas	area	NOUN
gujaf-28	60	23	(	(	PUNCT
gujaf-28	60	24	fishbein	fishbein	PROPN
gujaf-28	60	25	&	&	CCONJ
gujaf-28	60	26	ajzen	ajzen	NOUN
gujaf-28	60	27	,	,	PUNCT
gujaf-28	60	28	2010	2010	NUM
gujaf-28	60	29	)	)	PUNCT
gujaf-28	60	30	.	.	PUNCT
gujaf-28	61	1	in	in	ADP
gujaf-28	61	2	this	this	DET
gujaf-28	61	3	study	study	NOUN
gujaf-28	61	4	,	,	PUNCT
gujaf-28	61	5	tam	tam	PROPN
gujaf-28	61	6	will	will	AUX
gujaf-28	61	7	be	be	AUX
gujaf-28	61	8	utilized	utilize	VERB
gujaf-28	61	9	to	to	PART
gujaf-28	61	10	discover	discover	VERB
gujaf-28	61	11	how	how	SCONJ
gujaf-28	61	12	the	the	DET
gujaf-28	61	13	utilization	utilization	NOUN
gujaf-28	61	14	of	of	ADP
gujaf-28	61	15	rural	rural	ADJ
gujaf-28	61	16	banking	banking	NOUN
gujaf-28	61	17	agency	agency	NOUN
gujaf-28	61	18	through	through	ADP
gujaf-28	61	19	rural	rural	ADJ
gujaf-28	61	20	banking	banking	NOUN
gujaf-28	61	21	technology	technology	NOUN
gujaf-28	61	22	to	to	PART
gujaf-28	61	23	enhances	enhance	VERB
gujaf-28	61	24	financial	financial	ADJ
gujaf-28	61	25	inclusion	inclusion	NOUN
gujaf-28	61	26	in	in	ADP
gujaf-28	61	27	the	the	DET
gujaf-28	61	28	rural	rural	ADJ
gujaf-28	61	29	segment	segment	NOUN
gujaf-28	61	30	.	.	PUNCT
gujaf-28	62	1	3	3	X
gujaf-28	62	2	.	.	X
gujaf-28	62	3	methodology	methodology	NOUN
gujaf-28	62	4	the	the	DET
gujaf-28	62	5	study	study	NOUN
gujaf-28	62	6	employed	employ	VERB
gujaf-28	62	7	cross	cross	ADJ
gujaf-28	62	8	-	-	ADJ
gujaf-28	62	9	sectional	sectional	ADJ
gujaf-28	62	10	survey	survey	NOUN
gujaf-28	62	11	design	design	NOUN
gujaf-28	62	12	with	with	ADP
gujaf-28	62	13	population	population	NOUN
gujaf-28	62	14	of	of	ADP
gujaf-28	62	15	3,192,900	3,192,900	NUM
gujaf-28	62	16	comprised	comprise	VERB
gujaf-28	62	17	of	of	ADP
gujaf-28	62	18	residents	resident	NOUN
gujaf-28	62	19	in	in	ADP
gujaf-28	62	20	the	the	DET
gujaf-28	62	21	rural	rural	ADJ
gujaf-28	62	22	and	and	CCONJ
gujaf-28	62	23	semi	semi	ADJ
gujaf-28	62	24	-	-	ADJ
gujaf-28	62	25	urban	urban	ADJ
gujaf-28	62	26	areas	area	NOUN
gujaf-28	62	27	across	across	ADP
gujaf-28	62	28	the	the	DET
gujaf-28	62	29	16	16	NUM
gujaf-28	62	30	local	local	ADJ
gujaf-28	62	31	governments	government	NOUN
gujaf-28	62	32	in	in	ADP
gujaf-28	62	33	kwara	kwara	PROPN
gujaf-28	62	34	state	state	PROPN
gujaf-28	62	35	,	,	PUNCT
gujaf-28	62	36	nigeria	nigeria	PROPN
gujaf-28	62	37	(	(	PUNCT
gujaf-28	62	38	national	national	PROPN
gujaf-28	62	39	bureau	bureau	PROPN
gujaf-28	62	40	of	of	ADP
gujaf-28	62	41	statistic	statistic	PROPN
gujaf-28	62	42	,	,	PUNCT
gujaf-28	62	43	2016	2016	NUM
gujaf-28	62	44	)	)	PUNCT
gujaf-28	62	45	.	.	PUNCT
gujaf-28	63	1	the	the	DET
gujaf-28	63	2	study	study	NOUN
gujaf-28	63	3	adopted	adopt	VERB
gujaf-28	63	4	cochran	cochran	NOUN
gujaf-28	63	5	’s	’s	PART
gujaf-28	63	6	sample	sample	NOUN
gujaf-28	63	7	size	size	NOUN
gujaf-28	63	8	formula	formula	NOUN
gujaf-28	63	9	(	(	PUNCT
gujaf-28	63	10	1977	1977	NUM
gujaf-28	63	11	)	)	PUNCT
gujaf-28	63	12	with	with	ADP
gujaf-28	63	13	multi	multi	ADJ
gujaf-28	63	14	-	-	ADJ
gujaf-28	63	15	stage	stage	ADJ
gujaf-28	63	16	sampling	sampling	NOUN
gujaf-28	63	17	technique	technique	NOUN
gujaf-28	63	18	so	so	SCONJ
gujaf-28	63	19	as	as	SCONJ
gujaf-28	63	20	to	to	PART
gujaf-28	63	21	get	get	VERB
gujaf-28	63	22	more	more	ADV
gujaf-28	63	23	accurate	accurate	ADJ
gujaf-28	63	24	and	and	CCONJ
gujaf-28	63	25	reflection	reflection	NOUN
gujaf-28	63	26	of	of	ADP
gujaf-28	63	27	characteristics	characteristic	NOUN
gujaf-28	63	28	of	of	ADP
gujaf-28	63	29	the	the	DET
gujaf-28	63	30	population	population	NOUN
gujaf-28	63	31	for	for	ADP
gujaf-28	63	32	the	the	DET
gujaf-28	63	33	study	study	NOUN
gujaf-28	63	34	than	than	ADP
gujaf-28	63	35	simple	simple	ADJ
gujaf-28	63	36	random	random	ADJ
gujaf-28	63	37	or	or	CCONJ
gujaf-28	63	38	systematic	systematic	ADJ
gujaf-28	63	39	random	random	ADJ
gujaf-28	63	40	sampling	sampling	NOUN
gujaf-28	63	41	.	.	PUNCT
gujaf-28	64	1	the	the	DET
gujaf-28	64	2	formula	formula	NOUN
gujaf-28	64	3	is	be	AUX
gujaf-28	64	4	shown	show	VERB
gujaf-28	64	5	below	below	ADP
gujaf-28	64	6	:	:	PUNCT
gujaf-28	64	7	nz2pq	nz2pq	NUM
gujaf-28	64	8	n=	n=	NOUN
gujaf-28	64	9	_	_	NOUN
gujaf-28	65	1	_	_	PUNCT
gujaf-28	66	1	_	_	PUNCT
gujaf-28	67	1	_	_	PUNCT
gujaf-28	68	1	_	_	PUNCT
gujaf-28	69	1	_	_	PUNCT
gujaf-28	70	1	_	_	PUNCT
gujaf-28	71	1	_	_	PUNCT
gujaf-28	72	1	_	_	PUNCT
gujaf-28	73	1	_	_	PUNCT
gujaf-28	74	1	_	_	PUNCT
gujaf-28	74	2	d2	d2	PROPN
gujaf-28	74	3	(	(	PUNCT
gujaf-28	74	4	n-1	n-1	NUM
gujaf-28	74	5	)	)	PUNCT
gujaf-28	75	1	+	+	NOUN
gujaf-28	75	2	z2pq	z2pq	X
gujaf-28	75	3	where	where	SCONJ
gujaf-28	75	4	:	:	PUNCT
gujaf-28	75	5	n	n	PROPN
gujaf-28	75	6	=	=	SYM
gujaf-28	75	7	sample	sample	NOUN
gujaf-28	75	8	size	size	NOUN
gujaf-28	75	9	n	n	NOUN
gujaf-28	75	10	=	=	PUNCT
gujaf-28	75	11	total	total	ADJ
gujaf-28	75	12	population	population	NOUN
gujaf-28	75	13	(	(	PUNCT
gujaf-28	75	14	n=3,192,900	n=3,192,900	ADJ
gujaf-28	75	15	)	)	PUNCT
gujaf-28	75	16	z	z	NOUN
gujaf-28	75	17	=	=	SYM
gujaf-28	75	18	95	95	NUM
gujaf-28	75	19	%	%	NOUN
gujaf-28	75	20	confidence	confidence	NOUN
gujaf-28	75	21	interval	interval	NOUN
gujaf-28	75	22	(	(	PUNCT
gujaf-28	75	23	z	z	NOUN
gujaf-28	75	24	=	=	SYM
gujaf-28	75	25	1.96	1.96	NUM
gujaf-28	75	26	)	)	PUNCT
gujaf-28	75	27	,	,	PUNCT
gujaf-28	75	28	p	p	NOUN
gujaf-28	75	29	=	=	SYM
gujaf-28	75	30	0.5	0.5	NUM
gujaf-28	75	31	q	q	NOUN
gujaf-28	75	32	=	=	NOUN
gujaf-28	75	33	1	1	NUM
gujaf-28	75	34	–	–	PUNCT
gujaf-28	75	35	p	p	X
gujaf-28	75	36	d	d	NOUN
gujaf-28	75	37	=	=	SYM
gujaf-28	75	38	degree	degree	NOUN
gujaf-28	75	39	of	of	ADP
gujaf-28	75	40	accuracy	accuracy	NOUN
gujaf-28	75	41	or	or	CCONJ
gujaf-28	75	42	estimation	estimation	NOUN
gujaf-28	75	43	(	(	PUNCT
gujaf-28	75	44	d	d	NOUN
gujaf-28	75	45	=	=	SYM
gujaf-28	75	46	0.04	0.04	NUM
gujaf-28	75	47	)	)	PUNCT
gujaf-28	75	48	therefore	therefore	ADV
gujaf-28	75	49	;	;	PUNCT
gujaf-28	75	50	𝑛	𝑛	PROPN
gujaf-28	75	51	=	=	SYM
gujaf-28	75	52	3,192,900(1.96)2(0.5)(0.5	3,192,900(1.96)2(0.5)(0.5	NUM
gujaf-28	75	53	)	)	PUNCT
gujaf-28	75	54	(	(	PUNCT
gujaf-28	75	55	0.04)2(3,192,900−1)+(1.96)2(0.5)(0.5	0.04)2(3,192,900−1)+(1.96)2(0.5)(0.5	NUM
gujaf-28	75	56	)	)	PUNCT
gujaf-28	75	57	=	=	SYM
gujaf-28	75	58	625	625	NUM
gujaf-28	75	59	model	model	NOUN
gujaf-28	75	60	specification	specification	NOUN
gujaf-28	75	61	this	this	DET
gujaf-28	75	62	study	study	NOUN
gujaf-28	75	63	adapted	adapt	VERB
gujaf-28	75	64	the	the	DET
gujaf-28	75	65	functional	functional	ADJ
gujaf-28	75	66	model	model	NOUN
gujaf-28	75	67	of	of	ADP
gujaf-28	75	68	afande	afande	NOUN
gujaf-28	75	69	and	and	CCONJ
gujaf-28	75	70	mbugua	mbugua	NOUN
gujaf-28	75	71	(	(	PUNCT
gujaf-28	75	72	2015	2015	NUM
gujaf-28	75	73	)	)	PUNCT
gujaf-28	75	74	;	;	PUNCT
gujaf-28	75	75	as	as	SCONJ
gujaf-28	75	76	the	the	DET
gujaf-28	75	77	model	model	NOUN
gujaf-28	75	78	established	establish	VERB
gujaf-28	75	79	the	the	DET
gujaf-28	75	80	link	link	NOUN
gujaf-28	75	81	between	between	ADP
gujaf-28	75	82	agency	agency	NOUN
gujaf-28	75	83	banking	banking	NOUN
gujaf-28	75	84	and	and	CCONJ
gujaf-28	75	85	financial	financial	ADJ
gujaf-28	75	86	inclusion	inclusion	NOUN
gujaf-28	75	87	.	.	PUNCT
gujaf-28	76	1	the	the	DET
gujaf-28	76	2	model	model	NOUN
gujaf-28	76	3	was	be	AUX
gujaf-28	76	4	specified	specify	VERB
gujaf-28	76	5	below	below	ADV
gujaf-28	76	6	;	;	PUNCT
gujaf-28	77	1	fi	fi	NOUN
gujaf-28	77	2	=	=	NOUN
gujaf-28	77	3	β0	β0	PROPN
gujaf-28	77	4	+	+	CCONJ
gujaf-28	77	5	β1gcsi	β1gcsi	ADJ
gujaf-28	77	6	+	+	CCONJ
gujaf-28	77	7	ei	ei	X
gujaf-28	77	8	…	…	PUNCT
gujaf-28	77	9	…	…	PUNCT
gujaf-28	77	10	…	…	PUNCT
gujaf-28	77	11	…	…	PUNCT
gujaf-28	77	12	…	…	PUNCT
gujaf-28	77	13	……	……	NOUN
gujaf-28	77	14	……	……	NOUN
gujaf-28	77	15	……	……	NOUN
gujaf-28	77	16	......	......	PUNCT
gujaf-28	77	17	3.1	3.1	NUM
gujaf-28	77	18	gusau	gusau	ADJ
gujaf-28	77	19	journal	journal	NOUN
gujaf-28	77	20	of	of	ADP
gujaf-28	77	21	accounting	accounting	NOUN
gujaf-28	77	22	and	and	CCONJ
gujaf-28	77	23	finance	finance	NOUN
gujaf-28	77	24	,	,	PUNCT
gujaf-28	77	25	vol	vol	NOUN
gujaf-28	77	26	.	.	PUNCT
gujaf-28	78	1	i	i	PRON
gujaf-28	78	2	,	,	PUNCT
gujaf-28	78	3	issue	issue	NOUN
gujaf-28	78	4	2	2	NUM
gujaf-28	78	5	,	,	PUNCT
gujaf-28	78	6	october	october	PROPN
gujaf-28	78	7	,	,	PUNCT
gujaf-28	78	8	2020	2020	NUM
gujaf-28	78	9	7	7	NUM
gujaf-28	78	10	where	where	SCONJ
gujaf-28	78	11	;	;	PUNCT
gujaf-28	78	12	gcs=	gcs=	PROPN
gujaf-28	78	13	geographical	geographical	ADJ
gujaf-28	78	14	coverage	coverage	NOUN
gujaf-28	78	15	strategy	strategy	NOUN
gujaf-28	78	16	fi=	fi=	PROPN
gujaf-28	78	17	financial	financial	ADJ
gujaf-28	78	18	inclusion	inclusion	NOUN
gujaf-28	78	19	β0	β0	NOUN
gujaf-28	78	20	=	=	PUNCT
gujaf-28	78	21	constant	constant	ADJ
gujaf-28	78	22	term	term	NOUN
gujaf-28	78	23	β1	β1	PROPN
gujaf-28	78	24	=	=	PUNCT
gujaf-28	78	25	beta	beta	ADJ
gujaf-28	78	26	coefficient	coefficient	NOUN
gujaf-28	78	27	of	of	ADP
gujaf-28	78	28	variable	variable	ADJ
gujaf-28	78	29	x.	x.	NOUN
gujaf-28	78	30	ei	ei	NOUN
gujaf-28	78	31	=	=	NOUN
gujaf-28	78	32	error	error	NOUN
gujaf-28	78	33	term	term	NOUN
gujaf-28	78	34	based	base	VERB
gujaf-28	78	35	on	on	ADP
gujaf-28	78	36	the	the	DET
gujaf-28	78	37	objectives	objective	NOUN
gujaf-28	78	38	of	of	ADP
gujaf-28	78	39	this	this	DET
gujaf-28	78	40	study	study	NOUN
gujaf-28	78	41	,	,	PUNCT
gujaf-28	78	42	afande	afande	NOUN
gujaf-28	78	43	and	and	CCONJ
gujaf-28	78	44	mbugua	mbugua	NOUN
gujaf-28	78	45	(	(	PUNCT
gujaf-28	78	46	2015	2015	NUM
gujaf-28	78	47	)	)	PUNCT
gujaf-28	78	48	model	model	NOUN
gujaf-28	78	49	was	be	AUX
gujaf-28	78	50	modified	modify	VERB
gujaf-28	78	51	as	as	ADP
gujaf-28	78	52	functional	functional	ADJ
gujaf-28	78	53	model	model	NOUN
gujaf-28	78	54	for	for	ADP
gujaf-28	78	55	this	this	DET
gujaf-28	78	56	study	study	NOUN
gujaf-28	78	57	.	.	PUNCT
gujaf-28	79	1	the	the	DET
gujaf-28	79	2	afande	afande	NOUN
gujaf-28	79	3	and	and	CCONJ
gujaf-28	79	4	mbugua	mbugua	NOUN
gujaf-28	79	5	(	(	PUNCT
gujaf-28	79	6	2015	2015	NUM
gujaf-28	79	7	)	)	PUNCT
gujaf-28	79	8	model	model	NOUN
gujaf-28	79	9	failed	fail	VERB
gujaf-28	79	10	to	to	PART
gujaf-28	79	11	include	include	VERB
gujaf-28	79	12	bank	bank	NOUN
gujaf-28	79	13	innovation	innovation	NOUN
gujaf-28	79	14	strategy	strategy	NOUN
gujaf-28	79	15	and	and	CCONJ
gujaf-28	79	16	technological	technological	ADJ
gujaf-28	79	17	advancement	advancement	NOUN
gujaf-28	79	18	strategy	strategy	NOUN
gujaf-28	79	19	as	as	ADP
gujaf-28	79	20	strategies	strategy	NOUN
gujaf-28	79	21	for	for	ADP
gujaf-28	79	22	measuring	measure	VERB
gujaf-28	79	23	agency	agency	NOUN
gujaf-28	79	24	banking	banking	NOUN
gujaf-28	79	25	strategy	strategy	NOUN
gujaf-28	79	26	to	to	PART
gujaf-28	79	27	model	model	VERB
gujaf-28	79	28	the	the	DET
gujaf-28	79	29	link	link	NOUN
gujaf-28	79	30	between	between	ADP
gujaf-28	79	31	agency	agency	NOUN
gujaf-28	79	32	banking	banking	NOUN
gujaf-28	79	33	strategy	strategy	NOUN
gujaf-28	79	34	and	and	CCONJ
gujaf-28	79	35	financial	financial	ADJ
gujaf-28	79	36	inclusion	inclusion	NOUN
gujaf-28	79	37	.	.	PUNCT
gujaf-28	80	1	therefore	therefore	ADV
gujaf-28	80	2	,	,	PUNCT
gujaf-28	80	3	this	this	DET
gujaf-28	80	4	study	study	NOUN
gujaf-28	80	5	adapted	adapt	VERB
gujaf-28	80	6	afande	afande	NOUN
gujaf-28	80	7	and	and	CCONJ
gujaf-28	80	8	mbugua	mbugua	NOUN
gujaf-28	80	9	(	(	PUNCT
gujaf-28	80	10	2015	2015	NUM
gujaf-28	80	11	)	)	PUNCT
gujaf-28	80	12	model	model	NOUN
gujaf-28	80	13	by	by	ADP
gujaf-28	80	14	including	include	VERB
gujaf-28	80	15	bank	bank	NOUN
gujaf-28	80	16	innovation	innovation	NOUN
gujaf-28	80	17	strategy	strategy	NOUN
gujaf-28	80	18	and	and	CCONJ
gujaf-28	80	19	technological	technological	ADJ
gujaf-28	80	20	advancement	advancement	NOUN
gujaf-28	80	21	strategy	strategy	NOUN
gujaf-28	80	22	to	to	PART
gujaf-28	80	23	suit	suit	VERB
gujaf-28	80	24	the	the	DET
gujaf-28	80	25	objective	objective	NOUN
gujaf-28	80	26	of	of	ADP
gujaf-28	80	27	the	the	DET
gujaf-28	80	28	study	study	NOUN
gujaf-28	80	29	.	.	PUNCT
gujaf-28	81	1	fi	fi	NOUN
gujaf-28	82	1	=	=	PROPN
gujaf-28	82	2	f(bis	f(bis	PROPN
gujaf-28	82	3	,	,	PUNCT
gujaf-28	82	4	gcs	gcs	PROPN
gujaf-28	82	5	,	,	PUNCT
gujaf-28	82	6	tas	ta	NOUN
gujaf-28	82	7	)	)	PUNCT
gujaf-28	82	8	……	……	NOUN
gujaf-28	82	9	……	……	NOUN
gujaf-28	82	10	……	……	NOUN
gujaf-28	82	11	……	……	NOUN
gujaf-28	82	12	……	……	NOUN
gujaf-28	82	13	……	……	NOUN
gujaf-28	82	14	……	……	NOUN
gujaf-28	82	15	……	……	NOUN
gujaf-28	82	16	……	……	NOUN
gujaf-28	82	17	……	……	NOUN
gujaf-28	82	18	..	..	PUNCT
gujaf-28	82	19	3.2	3.2	NUM
gujaf-28	82	20	for	for	ADP
gujaf-28	82	21	agency	agency	NOUN
gujaf-28	82	22	banking	banking	NOUN
gujaf-28	82	23	strategies	strategy	NOUN
gujaf-28	82	24	(	(	PUNCT
gujaf-28	82	25	abs	ab	NOUN
gujaf-28	82	26	)	)	PUNCT
gujaf-28	82	27	abs	ab	NOUN
gujaf-28	82	28	=	=	SYM
gujaf-28	82	29	(	(	PUNCT
gujaf-28	82	30	bis	bis	PROPN
gujaf-28	82	31	,	,	PUNCT
gujaf-28	82	32	gcs	gcs	PROPN
gujaf-28	82	33	,	,	PUNCT
gujaf-28	82	34	tas	tas	PROPN
gujaf-28	82	35	)	)	PUNCT
gujaf-28	82	36	the	the	DET
gujaf-28	82	37	econometric	econometric	ADJ
gujaf-28	82	38	model	model	NOUN
gujaf-28	82	39	for	for	ADP
gujaf-28	82	40	the	the	DET
gujaf-28	82	41	study	study	NOUN
gujaf-28	82	42	was	be	AUX
gujaf-28	82	43	stated	state	VERB
gujaf-28	82	44	as	as	ADP
gujaf-28	82	45	;	;	PUNCT
gujaf-28	83	1	fi	fi	NOUN
gujaf-28	83	2	=	=	PROPN
gujaf-28	83	3	β0	β0	PROPN
gujaf-28	83	4	+	+	CCONJ
gujaf-28	83	5	β1bisi	β1bisi	ADJ
gujaf-28	83	6	+	+	CCONJ
gujaf-28	83	7	β2gcsi	β2gcsi	ADJ
gujaf-28	83	8	+	+	NOUN
gujaf-28	83	9	β3tasi	β3tasi	NOUN
gujaf-28	83	10	+	+	CCONJ
gujaf-28	83	11	ei	ei	X
gujaf-28	83	12	…	…	PUNCT
gujaf-28	83	13	…	…	PUNCT
gujaf-28	83	14	…	…	PUNCT
gujaf-28	83	15	…	…	PUNCT
gujaf-28	83	16	…	…	PUNCT
gujaf-28	83	17	……	……	NOUN
gujaf-28	83	18	……	……	NOUN
gujaf-28	83	19	……	……	NOUN
gujaf-28	83	20	......	......	PUNCT
gujaf-28	83	21	3.3	3.3	NUM
gujaf-28	83	22	where	where	SCONJ
gujaf-28	83	23	:	:	PUNCT
gujaf-28	83	24	bis	bis	ADJ
gujaf-28	83	25	=	=	PUNCT
gujaf-28	83	26	bank	bank	NOUN
gujaf-28	83	27	innovation	innovation	NOUN
gujaf-28	83	28	strategy	strategy	NOUN
gujaf-28	83	29	gcs=	gcs=	PROPN
gujaf-28	83	30	geographical	geographical	ADJ
gujaf-28	83	31	coverage	coverage	NOUN
gujaf-28	83	32	strategy	strategy	NOUN
gujaf-28	83	33	tas	tas	NOUN
gujaf-28	83	34	=	=	PUNCT
gujaf-28	83	35	technological	technological	ADJ
gujaf-28	83	36	advancement	advancement	NOUN
gujaf-28	83	37	strategy	strategy	NOUN
gujaf-28	83	38	fi	fi	NOUN
gujaf-28	84	1	=	=	PUNCT
gujaf-28	84	2	financial	financial	ADJ
gujaf-28	84	3	inclusion	inclusion	NOUN
gujaf-28	84	4	=	=	SYM
gujaf-28	84	5	y	y	PROPN
gujaf-28	84	6	x=	x=	PROPN
gujaf-28	84	7	agency	agency	PROPN
gujaf-28	84	8	banking	banking	NOUN
gujaf-28	84	9	strategies	strategy	NOUN
gujaf-28	84	10	(	(	PUNCT
gujaf-28	84	11	abs	ab	NOUN
gujaf-28	84	12	)	)	PUNCT
gujaf-28	84	13	x1	x1	NOUN
gujaf-28	85	1	=	=	PUNCT
gujaf-28	85	2	bank	bank	NOUN
gujaf-28	85	3	innovation	innovation	NOUN
gujaf-28	85	4	strategy	strategy	NOUN
gujaf-28	85	5	(	(	PUNCT
gujaf-28	85	6	bis	bis	ADJ
gujaf-28	85	7	)	)	PUNCT
gujaf-28	85	8	x2	x2	NOUN
gujaf-28	86	1	=	=	PUNCT
gujaf-28	86	2	geographical	geographical	ADJ
gujaf-28	86	3	coverage	coverage	NOUN
gujaf-28	86	4	strategy	strategy	NOUN
gujaf-28	86	5	(	(	PUNCT
gujaf-28	86	6	gcs	gcs	PROPN
gujaf-28	86	7	)	)	PUNCT
gujaf-28	86	8	x3	x3	NOUN
gujaf-28	86	9	=	=	SYM
gujaf-28	86	10	technological	technological	ADJ
gujaf-28	86	11	advancement	advancement	NOUN
gujaf-28	86	12	strategy	strategy	NOUN
gujaf-28	86	13	(	(	PUNCT
gujaf-28	86	14	tas	tas	NOUN
gujaf-28	86	15	)	)	PUNCT
gujaf-28	86	16	β0	β0	NOUN
gujaf-28	86	17	=	=	PUNCT
gujaf-28	86	18	constant	constant	ADJ
gujaf-28	86	19	term	term	NOUN
gujaf-28	86	20	β1	β1	NOUN
gujaf-28	86	21	–	–	PUNCT
gujaf-28	86	22	β3	β3	VERB
gujaf-28	86	23	=	=	SYM
gujaf-28	86	24	beta	beta	ADJ
gujaf-28	86	25	coefficient	coefficient	NOUN
gujaf-28	86	26	of	of	ADP
gujaf-28	86	27	variable	variable	ADJ
gujaf-28	86	28	x.	x.	NOUN
gujaf-28	86	29	ei	ei	NOUN
gujaf-28	86	30	=	=	NOUN
gujaf-28	86	31	error	error	NOUN
gujaf-28	86	32	term	term	NOUN
gujaf-28	86	33	the	the	DET
gujaf-28	86	34	a	a	DET
gujaf-28	86	35	priori	priori	ADJ
gujaf-28	86	36	expectations	expectation	NOUN
gujaf-28	86	37	for	for	ADP
gujaf-28	86	38	the	the	DET
gujaf-28	86	39	study	study	NOUN
gujaf-28	86	40	was	be	AUX
gujaf-28	86	41	β1	β1	PROPN
gujaf-28	86	42	–	–	PUNCT
gujaf-28	86	43	β3	β3	VERB
gujaf-28	86	44	>	>	SYM
gujaf-28	86	45	0	0	NUM
gujaf-28	86	46	validity	validity	NOUN
gujaf-28	86	47	of	of	ADP
gujaf-28	86	48	the	the	DET
gujaf-28	86	49	research	research	NOUN
gujaf-28	86	50	instrument	instrument	NOUN
gujaf-28	86	51	the	the	DET
gujaf-28	86	52	validity	validity	NOUN
gujaf-28	86	53	result	result	NOUN
gujaf-28	86	54	for	for	SCONJ
gujaf-28	86	55	the	the	DET
gujaf-28	86	56	study	study	NOUN
gujaf-28	86	57	variable	variable	NOUN
gujaf-28	86	58	was	be	AUX
gujaf-28	86	59	shown	show	VERB
gujaf-28	86	60	in	in	ADP
gujaf-28	86	61	table	table	NOUN
gujaf-28	86	62	1	1	NUM
gujaf-28	86	63	.	.	PUNCT
gujaf-28	86	64	gusau	gusau	PROPN
gujaf-28	86	65	journal	journal	PROPN
gujaf-28	86	66	of	of	ADP
gujaf-28	86	67	accounting	accounting	NOUN
gujaf-28	86	68	and	and	CCONJ
gujaf-28	86	69	finance	finance	NOUN
gujaf-28	86	70	,	,	PUNCT
gujaf-28	86	71	vol	vol	NOUN
gujaf-28	86	72	.	.	PUNCT
gujaf-28	87	1	i	i	PRON
gujaf-28	87	2	,	,	PUNCT
gujaf-28	87	3	issue	issue	NOUN
gujaf-28	87	4	2	2	NUM
gujaf-28	87	5	,	,	PUNCT
gujaf-28	87	6	october	october	PROPN
gujaf-28	87	7	,	,	PUNCT
gujaf-28	87	8	2020	2020	NUM
gujaf-28	87	9	8	8	NUM
gujaf-28	87	10	table	table	NOUN
gujaf-28	87	11	1	1	NUM
gujaf-28	87	12	:	:	PUNCT
gujaf-28	87	13	kmo	kmo	PROPN
gujaf-28	87	14	and	and	CCONJ
gujaf-28	87	15	bartlet	bartlet	PROPN
gujaf-28	87	16	test	test	NOUN
gujaf-28	87	17	for	for	ADP
gujaf-28	87	18	each	each	DET
gujaf-28	87	19	variable	variable	NOUN
gujaf-28	87	20	in	in	ADP
gujaf-28	87	21	the	the	DET
gujaf-28	87	22	research	research	NOUN
gujaf-28	87	23	instrument	instrument	NOUN
gujaf-28	87	24	source	source	NOUN
gujaf-28	87	25	:	:	PUNCT
gujaf-28	87	26	authors	author	NOUN
gujaf-28	87	27	’	'	PUNCT
gujaf-28	87	28	compilation	compilation	NOUN
gujaf-28	87	29	(	(	PUNCT
gujaf-28	87	30	2020	2020	NUM
gujaf-28	87	31	)	)	PUNCT
gujaf-28	87	32	using	use	VERB
gujaf-28	87	33	spss	spss	PROPN
gujaf-28	87	34	version	version	NOUN
gujaf-28	87	35	24	24	NUM
gujaf-28	87	36	from	from	ADP
gujaf-28	87	37	table	table	NOUN
gujaf-28	87	38	1	1	NUM
gujaf-28	87	39	,	,	PUNCT
gujaf-28	87	40	the	the	DET
gujaf-28	87	41	results	result	NOUN
gujaf-28	87	42	of	of	ADP
gujaf-28	87	43	kaiser	kaiser	PROPN
gujaf-28	87	44	-	-	PUNCT
gujaf-28	87	45	meyer	meyer	PROPN
gujaf-28	87	46	-	-	PUNCT
gujaf-28	87	47	olkin	olkin	NOUN
gujaf-28	87	48	measures	measure	NOUN
gujaf-28	87	49	(	(	PUNCT
gujaf-28	87	50	kmo	kmo	NOUN
gujaf-28	87	51	)	)	PUNCT
gujaf-28	87	52	for	for	ADP
gujaf-28	87	53	all	all	DET
gujaf-28	87	54	the	the	DET
gujaf-28	87	55	variables	variable	NOUN
gujaf-28	87	56	were	be	AUX
gujaf-28	87	57	found	find	VERB
gujaf-28	87	58	to	to	PART
gujaf-28	87	59	be	be	AUX
gujaf-28	87	60	greater	great	ADJ
gujaf-28	87	61	than	than	ADP
gujaf-28	87	62	0.5	0.5	NUM
gujaf-28	87	63	and	and	CCONJ
gujaf-28	87	64	not	not	PART
gujaf-28	87	65	above	above	ADP
gujaf-28	87	66	1	1	NUM
gujaf-28	87	67	,	,	PUNCT
gujaf-28	87	68	hence	hence	ADV
gujaf-28	87	69	acceptable	acceptable	ADJ
gujaf-28	87	70	indices	index	NOUN
gujaf-28	87	71	.	.	PUNCT
gujaf-28	88	1	on	on	ADP
gujaf-28	88	2	the	the	DET
gujaf-28	88	3	other	other	ADJ
gujaf-28	88	4	side	side	NOUN
gujaf-28	88	5	,	,	PUNCT
gujaf-28	88	6	the	the	DET
gujaf-28	88	7	bartlett	bartlett	NOUN
gujaf-28	88	8	’s	’s	PART
gujaf-28	88	9	test	test	NOUN
gujaf-28	88	10	of	of	ADP
gujaf-28	88	11	sphericity	sphericity	PROPN
gujaf-28	88	12	had	have	VERB
gujaf-28	88	13	p	p	NOUN
gujaf-28	88	14	-	-	PUNCT
gujaf-28	88	15	values	value	NOUN
gujaf-28	88	16	=	=	SYM
gujaf-28	88	17	0.000	0.000	NUM
gujaf-28	88	18	for	for	ADP
gujaf-28	88	19	all	all	DET
gujaf-28	88	20	the	the	DET
gujaf-28	88	21	variables	variable	NOUN
gujaf-28	88	22	which	which	PRON
gujaf-28	88	23	are	be	AUX
gujaf-28	88	24	less	less	ADJ
gujaf-28	88	25	than	than	ADP
gujaf-28	88	26	0.05	0.05	NUM
gujaf-28	88	27	.	.	PUNCT
gujaf-28	89	1	the	the	DET
gujaf-28	89	2	results	result	NOUN
gujaf-28	89	3	for	for	ADP
gujaf-28	89	4	unidimensional	unidimensional	ADJ
gujaf-28	89	5	test	test	NOUN
gujaf-28	89	6	revealed	reveal	VERB
gujaf-28	89	7	that	that	SCONJ
gujaf-28	89	8	all	all	DET
gujaf-28	89	9	factors	factor	NOUN
gujaf-28	89	10	were	be	AUX
gujaf-28	89	11	unidimensional	unidimensional	ADJ
gujaf-28	89	12	and	and	CCONJ
gujaf-28	89	13	thereafter	thereafter	ADV
gujaf-28	89	14	confirmatory	confirmatory	ADJ
gujaf-28	89	15	factor	factor	NOUN
gujaf-28	89	16	analysis	analysis	NOUN
gujaf-28	89	17	proceeded	proceed	VERB
gujaf-28	89	18	.	.	PUNCT
gujaf-28	90	1	the	the	DET
gujaf-28	90	2	average	average	ADJ
gujaf-28	90	3	variance	variance	NOUN
gujaf-28	90	4	extracted	extract	VERB
gujaf-28	90	5	(	(	PUNCT
gujaf-28	90	6	ave	ave	PROPN
gujaf-28	90	7	)	)	PUNCT
gujaf-28	90	8	for	for	ADP
gujaf-28	90	9	the	the	DET
gujaf-28	90	10	latent	latent	NOUN
gujaf-28	90	11	variables	variable	NOUN
gujaf-28	90	12	were	be	AUX
gujaf-28	90	13	greater	great	ADJ
gujaf-28	90	14	than	than	ADP
gujaf-28	90	15	0.5	0.5	NUM
gujaf-28	90	16	and	and	CCONJ
gujaf-28	90	17	composite	composite	ADJ
gujaf-28	90	18	reliability	reliability	NOUN
gujaf-28	90	19	should	should	AUX
gujaf-28	90	20	be	be	AUX
gujaf-28	90	21	greater	great	ADJ
gujaf-28	90	22	than	than	ADP
gujaf-28	90	23	0.7	0.7	NUM
gujaf-28	90	24	.	.	PUNCT
gujaf-28	91	1	both	both	DET
gujaf-28	91	2	ave	ave	NOUN
gujaf-28	91	3	and	and	CCONJ
gujaf-28	91	4	composite	composite	ADJ
gujaf-28	91	5	reliability	reliability	NOUN
gujaf-28	91	6	showed	show	VERB
gujaf-28	91	7	that	that	SCONJ
gujaf-28	91	8	convergent	convergent	NOUN
gujaf-28	91	9	and	and	CCONJ
gujaf-28	91	10	discriminant	discriminant	ADJ
gujaf-28	91	11	validity	validity	NOUN
gujaf-28	91	12	of	of	ADP
gujaf-28	91	13	the	the	DET
gujaf-28	91	14	construct	construct	NOUN
gujaf-28	91	15	were	be	AUX
gujaf-28	91	16	acceptable	acceptable	ADJ
gujaf-28	91	17	,	,	PUNCT
gujaf-28	91	18	hence	hence	ADV
gujaf-28	91	19	the	the	DET
gujaf-28	91	20	instrument	instrument	NOUN
gujaf-28	91	21	is	be	AUX
gujaf-28	91	22	valid	valid	ADJ
gujaf-28	91	23	.	.	PUNCT
gujaf-28	92	1	reliability	reliability	NOUN
gujaf-28	92	2	of	of	ADP
gujaf-28	92	3	the	the	DET
gujaf-28	92	4	instrument	instrument	NOUN
gujaf-28	92	5	the	the	DET
gujaf-28	92	6	research	research	NOUN
gujaf-28	92	7	instrument	instrument	NOUN
gujaf-28	92	8	is	be	AUX
gujaf-28	92	9	reliable	reliable	ADJ
gujaf-28	92	10	since	since	SCONJ
gujaf-28	92	11	the	the	DET
gujaf-28	92	12	coefficient	coefficient	NOUN
gujaf-28	92	13	of	of	ADP
gujaf-28	92	14	the	the	DET
gujaf-28	92	15	cronbach	cronbach	ADJ
gujaf-28	92	16	alpha	alpha	NOUN
gujaf-28	92	17	is	be	AUX
gujaf-28	92	18	greater	great	ADJ
gujaf-28	92	19	than	than	ADP
gujaf-28	92	20	0.7	0.7	NUM
gujaf-28	92	21	.	.	PUNCT
gujaf-28	93	1	the	the	DET
gujaf-28	93	2	cronbach	cronbach	NOUN
gujaf-28	93	3	’s	’s	PART
gujaf-28	93	4	alpha	alpha	NOUN
gujaf-28	93	5	reliability	reliability	NOUN
gujaf-28	93	6	for	for	ADP
gujaf-28	93	7	the	the	DET
gujaf-28	93	8	subscale	subscale	NOUN
gujaf-28	93	9	is	be	AUX
gujaf-28	93	10	shown	show	VERB
gujaf-28	93	11	in	in	ADP
gujaf-28	93	12	table	table	NOUN
gujaf-28	93	13	2	2	NUM
gujaf-28	93	14	.	.	X
gujaf-28	94	1	s	s	X
gujaf-28	94	2	/	/	SYM
gujaf-28	94	3	n	n	PRON
gujaf-28	94	4	variables	variable	NOUN
gujaf-28	94	5	kmo	kmo	PROPN
gujaf-28	94	6	measure	measure	NOUN
gujaf-28	94	7	of	of	ADP
gujaf-28	94	8	sampling	sample	VERB
gujaf-28	94	9	adequacy	adequacy	NOUN
gujaf-28	94	10	bartlet	bartlet	NOUN
gujaf-28	94	11	test	test	NOUN
gujaf-28	94	12	of	of	ADP
gujaf-28	94	13	sphericity	sphericity	PROPN
gujaf-28	94	14	average	average	ADJ
gujaf-28	94	15	variance	variance	NOUN
gujaf-28	94	16	explained	explain	VERB
gujaf-28	94	17	(	(	PUNCT
gujaf-28	94	18	ave	ave	NOUN
gujaf-28	94	19	)	)	PUNCT
gujaf-28	94	20	composite	composite	ADJ
gujaf-28	94	21	reliability	reliability	NOUN
gujaf-28	94	22	(	(	PUNCT
gujaf-28	94	23	cr	cr	NOUN
gujaf-28	94	24	)	)	PUNCT
gujaf-28	94	25	remark	remark	VERB
gujaf-28	94	26	1	1	NUM
gujaf-28	94	27	bank	bank	NOUN
gujaf-28	94	28	innovation	innovation	NOUN
gujaf-28	94	29	strategy	strategy	NOUN
gujaf-28	94	30	0.855	0.855	NUM
gujaf-28	94	31	854.742	854.742	NUM
gujaf-28	94	32	(	(	PUNCT
gujaf-28	94	33	0.000	0.000	NUM
gujaf-28	94	34	)	)	PUNCT
gujaf-28	94	35	0.592	0.592	NUM
gujaf-28	94	36	0.70	0.70	NUM
gujaf-28	94	37	accepted	accept	VERB
gujaf-28	94	38	2	2	NUM
gujaf-28	94	39	geographical	geographical	ADJ
gujaf-28	94	40	coverage	coverage	NOUN
gujaf-28	94	41	strategy	strategy	NOUN
gujaf-28	94	42	0.823	0.823	NUM
gujaf-28	94	43	724.005	724.005	NUM
gujaf-28	94	44	(	(	PUNCT
gujaf-28	94	45	0.000	0.000	NUM
gujaf-28	94	46	)	)	PUNCT
gujaf-28	94	47	0.653	0.653	NUM
gujaf-28	94	48	0.762	0.762	NUM
gujaf-28	94	49	accepted	accept	VERB
gujaf-28	94	50	3	3	NUM
gujaf-28	94	51	technological	technological	ADJ
gujaf-28	94	52	advancement	advancement	NOUN
gujaf-28	94	53	strategy	strategy	NOUN
gujaf-28	94	54	0.812	0.812	NUM
gujaf-28	94	55	618.756	618.756	NUM
gujaf-28	94	56	(	(	PUNCT
gujaf-28	94	57	0.000	0.000	NUM
gujaf-28	94	58	)	)	PUNCT
gujaf-28	94	59	0.598	0.598	NUM
gujaf-28	94	60	0.879	0.879	NUM
gujaf-28	94	61	accepted	accept	VERB
gujaf-28	94	62	4	4	NUM
gujaf-28	94	63	financial	financial	ADJ
gujaf-28	94	64	inclusion	inclusion	NOUN
gujaf-28	94	65	0.897	0.897	NUM
gujaf-28	94	66	642.236	642.236	NUM
gujaf-28	94	67	(	(	PUNCT
gujaf-28	94	68	0.000	0.000	NUM
gujaf-28	94	69	)	)	PUNCT
gujaf-28	94	70	0.501	0.501	NUM
gujaf-28	94	71	0.71	0.71	NUM
gujaf-28	94	72	accepted	accept	VERB
gujaf-28	94	73	gusau	gusau	ADJ
gujaf-28	94	74	journal	journal	NOUN
gujaf-28	94	75	of	of	ADP
gujaf-28	94	76	accounting	accounting	NOUN
gujaf-28	94	77	and	and	CCONJ
gujaf-28	94	78	finance	finance	NOUN
gujaf-28	94	79	,	,	PUNCT
gujaf-28	94	80	vol	vol	NOUN
gujaf-28	94	81	.	.	PUNCT
gujaf-28	95	1	i	i	PRON
gujaf-28	95	2	,	,	PUNCT
gujaf-28	95	3	issue	issue	NOUN
gujaf-28	95	4	2	2	NUM
gujaf-28	95	5	,	,	PUNCT
gujaf-28	95	6	october	october	PROPN
gujaf-28	95	7	,	,	PUNCT
gujaf-28	95	8	2020	2020	NUM
gujaf-28	95	9	9	9	NUM
gujaf-28	95	10	table	table	NOUN
gujaf-28	95	11	2	2	NUM
gujaf-28	95	12	:	:	PUNCT
gujaf-28	95	13	reliability	reliability	NOUN
gujaf-28	95	14	statistics	statistic	NOUN
gujaf-28	95	15	source	source	NOUN
gujaf-28	95	16	:	:	PUNCT
gujaf-28	95	17	researchers	researcher	NOUN
gujaf-28	95	18	’	'	PUNCT
gujaf-28	95	19	computation	computation	NOUN
gujaf-28	95	20	(	(	PUNCT
gujaf-28	95	21	2020	2020	NUM
gujaf-28	95	22	)	)	PUNCT
gujaf-28	95	23	using	use	VERB
gujaf-28	95	24	spss	spss	PROPN
gujaf-28	95	25	version	version	NOUN
gujaf-28	95	26	24	24	NUM
gujaf-28	95	27	4	4	NUM
gujaf-28	95	28	.	.	PUNCT
gujaf-28	95	29	findings	finding	NOUN
gujaf-28	95	30	and	and	CCONJ
gujaf-28	95	31	discussion	discussion	NOUN
gujaf-28	95	32	table	table	NOUN
gujaf-28	95	33	3	3	NUM
gujaf-28	95	34	:	:	PUNCT
gujaf-28	95	35	normality	normality	ADJ
gujaf-28	95	36	test	test	NOUN
gujaf-28	95	37	of	of	ADP
gujaf-28	95	38	the	the	DET
gujaf-28	95	39	study	study	NOUN
gujaf-28	95	40	variables	variable	VERB
gujaf-28	95	41	variables	variable	NOUN
gujaf-28	95	42	n	n	DET
gujaf-28	95	43	skewness	skewness	NOUN
gujaf-28	95	44	kurtosis	kurtosis	VERB
gujaf-28	95	45	statistic	statistic	NOUN
gujaf-28	95	46	statistic	statistic	NOUN
gujaf-28	95	47	std	std	NOUN
gujaf-28	95	48	.	.	NOUN
gujaf-28	95	49	error	error	NOUN
gujaf-28	95	50	statistic	statistic	NOUN
gujaf-28	95	51	std	std	NOUN
gujaf-28	95	52	.	.	NOUN
gujaf-28	96	1	error	error	NOUN
gujaf-28	96	2	financial	financial	ADJ
gujaf-28	96	3	inclusion	inclusion	NOUN
gujaf-28	96	4	(	(	PUNCT
gujaf-28	96	5	fi	fi	NOUN
gujaf-28	96	6	)	)	PUNCT
gujaf-28	96	7	592	592	NUM
gujaf-28	96	8	-0.564	-0.564	NUM
gujaf-28	96	9	0.111	0.111	NUM
gujaf-28	96	10	0.458	0.458	NUM
gujaf-28	96	11	0.222	0.222	NUM
gujaf-28	96	12	bank	bank	NOUN
gujaf-28	96	13	innovation	innovation	NOUN
gujaf-28	96	14	strategy	strategy	NOUN
gujaf-28	96	15	(	(	PUNCT
gujaf-28	96	16	bis	bis	PROPN
gujaf-28	96	17	)	)	PUNCT
gujaf-28	96	18	592	592	NUM
gujaf-28	96	19	-0.335	-0.335	NOUN
gujaf-28	96	20	0.111	0.111	NUM
gujaf-28	96	21	0.239	0.239	NUM
gujaf-28	96	22	0.222	0.222	NUM
gujaf-28	96	23	geographical	geographical	ADJ
gujaf-28	96	24	coverage	coverage	NOUN
gujaf-28	96	25	strategy	strategy	NOUN
gujaf-28	96	26	(	(	PUNCT
gujaf-28	96	27	gcs	gcs	PROPN
gujaf-28	96	28	)	)	PUNCT
gujaf-28	96	29	592	592	NUM
gujaf-28	96	30	0.000	0.000	NUM
gujaf-28	96	31	0.111	0.111	NUM
gujaf-28	96	32	-0.482	-0.482	PUNCT
gujaf-28	96	33	0.222	0.222	NUM
gujaf-28	96	34	technological	technological	ADJ
gujaf-28	96	35	advancement	advancement	NOUN
gujaf-28	96	36	strategy	strategy	NOUN
gujaf-28	96	37	(	(	PUNCT
gujaf-28	96	38	tas	ta	NOUN
gujaf-28	96	39	)	)	PUNCT
gujaf-28	96	40	592	592	NUM
gujaf-28	96	41	-0.181	-0.181	NUM
gujaf-28	96	42	0.111	0.111	NUM
gujaf-28	96	43	-0.328	-0.328	SYM
gujaf-28	96	44	0.222	0.222	NUM
gujaf-28	96	45	source	source	NOUN
gujaf-28	96	46	:	:	PUNCT
gujaf-28	96	47	field	field	NOUN
gujaf-28	96	48	survey	survey	NOUN
gujaf-28	96	49	(	(	PUNCT
gujaf-28	96	50	2020	2020	NUM
gujaf-28	96	51	)	)	PUNCT
gujaf-28	96	52	using	use	VERB
gujaf-28	96	53	spss	spss	PROPN
gujaf-28	96	54	version	version	NOUN
gujaf-28	96	55	24	24	NUM
gujaf-28	96	56	the	the	DET
gujaf-28	96	57	results	result	NOUN
gujaf-28	96	58	of	of	ADP
gujaf-28	96	59	the	the	DET
gujaf-28	96	60	normality	normality	NOUN
gujaf-28	96	61	test	test	NOUN
gujaf-28	96	62	of	of	ADP
gujaf-28	96	63	the	the	DET
gujaf-28	96	64	dependent	dependent	ADJ
gujaf-28	96	65	and	and	CCONJ
gujaf-28	96	66	independent	independent	ADJ
gujaf-28	96	67	variables	variable	NOUN
gujaf-28	96	68	indicated	indicate	VERB
gujaf-28	96	69	skewness	skewness	NOUN
gujaf-28	96	70	and	and	CCONJ
gujaf-28	96	71	kurtosis	kurtosis	NOUN
gujaf-28	96	72	in	in	ADP
gujaf-28	96	73	the	the	DET
gujaf-28	96	74	range	range	NOUN
gujaf-28	96	75	of	of	ADP
gujaf-28	96	76	-1	-1	PUNCT
gujaf-28	96	77	and	and	CCONJ
gujaf-28	96	78	+1	+1	PROPN
gujaf-28	96	79	as	as	SCONJ
gujaf-28	96	80	shown	show	VERB
gujaf-28	96	81	in	in	ADP
gujaf-28	96	82	table	table	NOUN
gujaf-28	96	83	3	3	NUM
gujaf-28	96	84	.	.	PUNCT
gujaf-28	97	1	this	this	PRON
gujaf-28	97	2	implies	imply	VERB
gujaf-28	97	3	that	that	SCONJ
gujaf-28	97	4	the	the	DET
gujaf-28	97	5	assumption	assumption	NOUN
gujaf-28	97	6	of	of	ADP
gujaf-28	97	7	normality	normality	NOUN
gujaf-28	97	8	was	be	AUX
gujaf-28	97	9	satisfied	satisfied	ADJ
gujaf-28	97	10	.	.	PUNCT
gujaf-28	98	1	therefore	therefore	ADV
gujaf-28	98	2	,	,	PUNCT
gujaf-28	98	3	the	the	DET
gujaf-28	98	4	data	datum	NOUN
gujaf-28	98	5	was	be	AUX
gujaf-28	98	6	found	find	VERB
gujaf-28	98	7	to	to	PART
gujaf-28	98	8	be	be	AUX
gujaf-28	98	9	suitable	suitable	ADJ
gujaf-28	98	10	for	for	ADP
gujaf-28	98	11	inferential	inferential	ADJ
gujaf-28	98	12	analysis	analysis	NOUN
gujaf-28	98	13	.	.	PUNCT
gujaf-28	99	1	s	s	X
gujaf-28	99	2	/	/	SYM
gujaf-28	99	3	n	n	CCONJ
gujaf-28	99	4	variables	variable	NOUN
gujaf-28	99	5	number	number	NOUN
gujaf-28	99	6	of	of	ADP
gujaf-28	99	7	items	item	NOUN
gujaf-28	99	8	cronbach	cronbach	VERB
gujaf-28	99	9	’s	’s	PART
gujaf-28	99	10	alpha	alpha	ADJ
gujaf-28	99	11	remark	remark	NOUN
gujaf-28	99	12	1	1	NUM
gujaf-28	99	13	bank	bank	NOUN
gujaf-28	99	14	innovation	innovation	NOUN
gujaf-28	99	15	strategy	strategy	NOUN
gujaf-28	99	16	6	6	NUM
gujaf-28	99	17	0.945	0.945	NUM
gujaf-28	99	18	reliable	reliable	ADJ
gujaf-28	99	19	2	2	NUM
gujaf-28	99	20	geographical	geographical	ADJ
gujaf-28	99	21	coverage	coverage	NOUN
gujaf-28	99	22	strategy	strategy	NOUN
gujaf-28	99	23	6	6	NUM
gujaf-28	99	24	0.721	0.721	NUM
gujaf-28	99	25	reliable	reliable	ADJ
gujaf-28	99	26	3	3	NUM
gujaf-28	99	27	technological	technological	ADJ
gujaf-28	99	28	advancement	advancement	NOUN
gujaf-28	99	29	strategy	strategy	NOUN
gujaf-28	99	30	6	6	NUM
gujaf-28	99	31	0.854	0.854	NUM
gujaf-28	99	32	reliable	reliable	ADJ
gujaf-28	99	33	4	4	NUM
gujaf-28	99	34	financial	financial	ADJ
gujaf-28	99	35	inclusion	inclusion	NOUN
gujaf-28	99	36	6	6	NUM
gujaf-28	99	37	0.914	0.914	NUM
gujaf-28	99	38	reliable	reliable	ADJ
gujaf-28	99	39	overall	overall	ADJ
gujaf-28	99	40	30	30	NUM
gujaf-28	99	41	0.954	0.954	NUM
gujaf-28	99	42	reliable	reliable	ADJ
gujaf-28	99	43	gusau	gusau	ADJ
gujaf-28	99	44	journal	journal	NOUN
gujaf-28	99	45	of	of	ADP
gujaf-28	99	46	accounting	accounting	NOUN
gujaf-28	99	47	and	and	CCONJ
gujaf-28	99	48	finance	finance	NOUN
gujaf-28	99	49	,	,	PUNCT
gujaf-28	99	50	vol	vol	NOUN
gujaf-28	99	51	.	.	PUNCT
gujaf-28	100	1	i	i	PRON
gujaf-28	100	2	,	,	PUNCT
gujaf-28	100	3	issue	issue	NOUN
gujaf-28	100	4	2	2	NUM
gujaf-28	100	5	,	,	PUNCT
gujaf-28	100	6	october	october	PROPN
gujaf-28	100	7	,	,	PUNCT
gujaf-28	100	8	2020	2020	NUM
gujaf-28	100	9	10	10	NUM
gujaf-28	100	10	table	table	NOUN
gujaf-28	100	11	4	4	NUM
gujaf-28	100	12	:	:	PUNCT
gujaf-28	100	13	multicolinearity	multicolinearity	NOUN
gujaf-28	100	14	test	test	NOUN
gujaf-28	100	15	results	result	NOUN
gujaf-28	100	16	variables	variable	VERB
gujaf-28	100	17	tolerance	tolerance	NOUN
gujaf-28	100	18	vif	vif	PROPN
gujaf-28	100	19	remark	remark	PROPN
gujaf-28	100	20	bank	bank	PROPN
gujaf-28	100	21	innovation	innovation	NOUN
gujaf-28	100	22	strategy	strategy	NOUN
gujaf-28	100	23	(	(	PUNCT
gujaf-28	100	24	bis	bis	ADJ
gujaf-28	100	25	)	)	PUNCT
gujaf-28	100	26	0.567	0.567	NUM
gujaf-28	100	27	1.762	1.762	NUM
gujaf-28	100	28	no	no	DET
gujaf-28	100	29	multicolinearity	multicolinearity	NOUN
gujaf-28	100	30	geographical	geographical	ADJ
gujaf-28	100	31	coverage	coverage	NOUN
gujaf-28	100	32	strategy	strategy	NOUN
gujaf-28	100	33	(	(	PUNCT
gujaf-28	100	34	gcs	gcs	PROPN
gujaf-28	100	35	)	)	PUNCT
gujaf-28	100	36	0.619	0.619	SYM
gujaf-28	100	37	1.615	1.615	NUM
gujaf-28	100	38	no	no	DET
gujaf-28	100	39	multicolinearity	multicolinearity	NOUN
gujaf-28	100	40	technological	technological	ADJ
gujaf-28	100	41	advancement	advancement	NOUN
gujaf-28	100	42	strategy	strategy	NOUN
gujaf-28	100	43	(	(	PUNCT
gujaf-28	100	44	tas	ta	NOUN
gujaf-28	100	45	)	)	PUNCT
gujaf-28	100	46	0.560	0.560	NUM
gujaf-28	100	47	1.785	1.785	NUM
gujaf-28	100	48	no	no	DET
gujaf-28	100	49	multicolinearity	multicolinearity	NOUN
gujaf-28	100	50	source	source	NOUN
gujaf-28	100	51	:	:	PUNCT
gujaf-28	100	52	field	field	NOUN
gujaf-28	100	53	survey	survey	NOUN
gujaf-28	100	54	(	(	PUNCT
gujaf-28	100	55	2020	2020	NUM
gujaf-28	100	56	)	)	PUNCT
gujaf-28	100	57	using	use	VERB
gujaf-28	100	58	spss	spss	PROPN
gujaf-28	100	59	version	version	NOUN
gujaf-28	100	60	24	24	NUM
gujaf-28	100	61	table	table	NOUN
gujaf-28	100	62	4	4	NUM
gujaf-28	100	63	shows	show	VERB
gujaf-28	100	64	that	that	SCONJ
gujaf-28	100	65	the	the	DET
gujaf-28	100	66	variables	variable	NOUN
gujaf-28	100	67	have	have	VERB
gujaf-28	100	68	a	a	DET
gujaf-28	100	69	vif	vif	NOUN
gujaf-28	100	70	that	that	PRON
gujaf-28	100	71	is	be	AUX
gujaf-28	100	72	less	less	ADJ
gujaf-28	100	73	than	than	ADP
gujaf-28	100	74	10	10	NUM
gujaf-28	100	75	and	and	CCONJ
gujaf-28	100	76	tolerance	tolerance	NOUN
gujaf-28	100	77	value	value	NOUN
gujaf-28	100	78	more	more	ADJ
gujaf-28	100	79	than	than	ADP
gujaf-28	100	80	0.1	0.1	NUM
gujaf-28	100	81	rules	rule	NOUN
gujaf-28	100	82	out	out	ADP
gujaf-28	100	83	the	the	DET
gujaf-28	100	84	possibility	possibility	NOUN
gujaf-28	100	85	of	of	ADP
gujaf-28	100	86	multicolinearity	multicolinearity	NOUN
gujaf-28	100	87	.	.	PUNCT
gujaf-28	101	1	all	all	DET
gujaf-28	101	2	the	the	DET
gujaf-28	101	3	predictor	predictor	NOUN
gujaf-28	101	4	variables	variable	NOUN
gujaf-28	101	5	had	have	VERB
gujaf-28	101	6	a	a	DET
gujaf-28	101	7	vif	vif	NOUN
gujaf-28	101	8	of	of	ADP
gujaf-28	101	9	less	less	ADJ
gujaf-28	101	10	than	than	ADP
gujaf-28	101	11	10	10	NUM
gujaf-28	101	12	.	.	PUNCT
gujaf-28	102	1	the	the	DET
gujaf-28	102	2	explanatory	explanatory	ADJ
gujaf-28	102	3	variables	variable	NOUN
gujaf-28	102	4	were	be	AUX
gujaf-28	102	5	not	not	PART
gujaf-28	102	6	highly	highly	ADV
gujaf-28	102	7	correlated	correlate	VERB
gujaf-28	102	8	since	since	SCONJ
gujaf-28	102	9	their	their	PRON
gujaf-28	102	10	values	value	NOUN
gujaf-28	102	11	are	be	AUX
gujaf-28	102	12	more	more	ADJ
gujaf-28	102	13	than	than	ADP
gujaf-28	102	14	0.1	0.1	NUM
gujaf-28	102	15	and	and	CCONJ
gujaf-28	102	16	therefore	therefore	ADV
gujaf-28	102	17	could	could	AUX
gujaf-28	102	18	not	not	PART
gujaf-28	102	19	pose	pose	VERB
gujaf-28	102	20	a	a	DET
gujaf-28	102	21	serious	serious	ADJ
gujaf-28	102	22	problem	problem	NOUN
gujaf-28	102	23	.	.	PUNCT
gujaf-28	103	1	the	the	DET
gujaf-28	103	2	data	datum	NOUN
gujaf-28	103	3	was	be	AUX
gujaf-28	103	4	thus	thus	ADV
gujaf-28	103	5	suitable	suitable	ADJ
gujaf-28	103	6	for	for	ADP
gujaf-28	103	7	hypotheses	hypothesis	NOUN
gujaf-28	103	8	testing	testing	NOUN
gujaf-28	103	9	using	use	VERB
gujaf-28	103	10	tobit	tobit	NOUN
gujaf-28	103	11	regression	regression	NOUN
gujaf-28	103	12	analysis	analysis	NOUN
gujaf-28	103	13	.	.	PUNCT
gujaf-28	104	1	test	test	NOUN
gujaf-28	104	2	of	of	ADP
gujaf-28	104	3	hypotheses	hypothesis	NOUN
gujaf-28	104	4	table	table	VERB
gujaf-28	104	5	5	5	NUM
gujaf-28	104	6	:	:	PUNCT
gujaf-28	104	7	tobit	tobit	NOUN
gujaf-28	104	8	regression	regression	NOUN
gujaf-28	104	9	output	output	NOUN
gujaf-28	104	10	variables	variable	NOUN
gujaf-28	104	11	coefficient	coefficient	VERB
gujaf-28	104	12	std	std	NOUN
gujaf-28	104	13	error	error	NOUN
gujaf-28	104	14	marginal	marginal	ADJ
gujaf-28	104	15	effect	effect	NOUN
gujaf-28	104	16	sig	sig	PROPN
gujaf-28	104	17	.	.	PUNCT
gujaf-28	105	1	constant	constant	ADJ
gujaf-28	105	2	5.290	5.290	NUM
gujaf-28	105	3	1.724	1.724	NUM
gujaf-28	105	4	0.082	0.082	NUM
gujaf-28	105	5	bank	bank	NOUN
gujaf-28	105	6	innovation	innovation	NOUN
gujaf-28	105	7	strategy	strategy	NOUN
gujaf-28	105	8	(	(	PUNCT
gujaf-28	105	9	bis	bis	PROPN
gujaf-28	105	10	)	)	PUNCT
gujaf-28	105	11	0.188	0.188	NUM
gujaf-28	105	12	0.049	0.049	NUM
gujaf-28	105	13	0.172	0.172	NUM
gujaf-28	105	14	0.001	0.001	NUM
gujaf-28	105	15	geographical	geographical	ADJ
gujaf-28	105	16	coverage	coverage	NOUN
gujaf-28	105	17	strategy	strategy	NOUN
gujaf-28	105	18	(	(	PUNCT
gujaf-28	105	19	gcs	gcs	PROPN
gujaf-28	105	20	)	)	PUNCT
gujaf-28	105	21	0.467	0.467	NUM
gujaf-28	105	22	0.037	0.037	NUM
gujaf-28	105	23	0.734	0.734	NUM
gujaf-28	105	24	0.005	0.005	NUM
gujaf-28	105	25	technological	technological	ADJ
gujaf-28	105	26	advancement	advancement	NOUN
gujaf-28	105	27	strategy	strategy	NOUN
gujaf-28	105	28	(	(	PUNCT
gujaf-28	105	29	tas	tas	NOUN
gujaf-28	105	30	)	)	PUNCT
gujaf-28	105	31	0.562	0.562	NUM
gujaf-28	105	32	0.051	0.051	NUM
gujaf-28	105	33	1.743	1.743	NUM
gujaf-28	105	34	0.000	0.000	NUM
gujaf-28	105	35	number	number	NOUN
gujaf-28	105	36	of	of	ADP
gujaf-28	105	37	observations	observation	NOUN
gujaf-28	105	38	f	f	X
gujaf-28	105	39	(	(	PUNCT
gujaf-28	105	40	3	3	NUM
gujaf-28	105	41	,	,	PUNCT
gujaf-28	105	42	589	589	NUM
gujaf-28	105	43	)	)	PUNCT
gujaf-28	105	44	=	=	SYM
gujaf-28	105	45	76.795	76.795	NUM
gujaf-28	105	46	prob	prob	NOUN
gujaf-28	105	47	>	>	X
gujaf-28	105	48	f	f	PROPN
gujaf-28	106	1	=	=	SYM
gujaf-28	106	2	0.000	0.000	NUM
gujaf-28	106	3	pseudo	pseudo	NOUN
gujaf-28	106	4	r2	r2	NOUN
gujaf-28	106	5	=	=	PUNCT
gujaf-28	106	6	0.683	0.683	NUM
gujaf-28	106	7	log	log	NOUN
gujaf-28	106	8	pseudo	pseudo	NOUN
gujaf-28	106	9	likelihood	likelihood	NOUN
gujaf-28	106	10	22.229	22.229	NUM
gujaf-28	106	11	source	source	NOUN
gujaf-28	106	12	:	:	PUNCT
gujaf-28	106	13	field	field	NOUN
gujaf-28	106	14	survey	survey	NOUN
gujaf-28	106	15	(	(	PUNCT
gujaf-28	106	16	2020	2020	NUM
gujaf-28	106	17	)	)	PUNCT
gujaf-28	106	18	using	use	VERB
gujaf-28	106	19	spss	spss	PROPN
gujaf-28	106	20	version	version	NOUN
gujaf-28	106	21	24	24	NUM
gujaf-28	106	22	gusau	gusau	ADJ
gujaf-28	106	23	journal	journal	NOUN
gujaf-28	106	24	of	of	ADP
gujaf-28	106	25	accounting	accounting	NOUN
gujaf-28	106	26	and	and	CCONJ
gujaf-28	106	27	finance	finance	NOUN
gujaf-28	106	28	,	,	PUNCT
gujaf-28	106	29	vol	vol	NOUN
gujaf-28	106	30	.	.	PUNCT
gujaf-28	107	1	i	i	PRON
gujaf-28	107	2	,	,	PUNCT
gujaf-28	107	3	issue	issue	NOUN
gujaf-28	107	4	2	2	NUM
gujaf-28	107	5	,	,	PUNCT
gujaf-28	107	6	october	october	PROPN
gujaf-28	107	7	,	,	PUNCT
gujaf-28	107	8	2020	2020	NUM
gujaf-28	107	9	11	11	NUM
gujaf-28	107	10	table	table	NOUN
gujaf-28	107	11	5	5	NUM
gujaf-28	107	12	depicts	depict	VERB
gujaf-28	107	13	results	result	NOUN
gujaf-28	107	14	of	of	ADP
gujaf-28	107	15	tobit	tobit	NOUN
gujaf-28	107	16	multiple	multiple	ADJ
gujaf-28	107	17	regression	regression	NOUN
gujaf-28	107	18	analysis	analysis	NOUN
gujaf-28	107	19	for	for	ADP
gujaf-28	107	20	the	the	DET
gujaf-28	107	21	effect	effect	NOUN
gujaf-28	107	22	of	of	ADP
gujaf-28	107	23	agency	agency	NOUN
gujaf-28	107	24	banking	banking	NOUN
gujaf-28	107	25	strategies	strategy	NOUN
gujaf-28	107	26	on	on	ADP
gujaf-28	107	27	financial	financial	ADJ
gujaf-28	107	28	inclusion	inclusion	NOUN
gujaf-28	107	29	in	in	ADP
gujaf-28	107	30	rural	rural	ADJ
gujaf-28	107	31	areas	area	NOUN
gujaf-28	107	32	in	in	ADP
gujaf-28	107	33	kwara	kwara	PROPN
gujaf-28	107	34	state	state	PROPN
gujaf-28	107	35	,	,	PUNCT
gujaf-28	107	36	nigeria	nigeria	PROPN
gujaf-28	107	37	.	.	PUNCT
gujaf-28	108	1	table	table	NOUN
gujaf-28	108	2	4	4	NUM
gujaf-28	108	3	presents	present	VERB
gujaf-28	108	4	a	a	DET
gujaf-28	108	5	model	model	NOUN
gujaf-28	108	6	fit	fit	NOUN
gujaf-28	108	7	which	which	PRON
gujaf-28	108	8	establishes	establish	VERB
gujaf-28	108	9	how	how	SCONJ
gujaf-28	108	10	fit	fit	ADJ
gujaf-28	108	11	the	the	DET
gujaf-28	108	12	model	model	NOUN
gujaf-28	108	13	equation	equation	NOUN
gujaf-28	108	14	fits	fit	VERB
gujaf-28	108	15	the	the	DET
gujaf-28	108	16	data	datum	NOUN
gujaf-28	108	17	.	.	PUNCT
gujaf-28	109	1	the	the	DET
gujaf-28	109	2	pseudo	pseudo	NOUN
gujaf-28	109	3	r2	r2	PROPN
gujaf-28	109	4	was	be	AUX
gujaf-28	109	5	used	use	VERB
gujaf-28	109	6	to	to	PART
gujaf-28	109	7	establish	establish	VERB
gujaf-28	109	8	the	the	DET
gujaf-28	109	9	predictive	predictive	ADJ
gujaf-28	109	10	power	power	NOUN
gujaf-28	109	11	of	of	ADP
gujaf-28	109	12	the	the	DET
gujaf-28	109	13	study	study	NOUN
gujaf-28	109	14	’s	’s	PART
gujaf-28	109	15	model	model	NOUN
gujaf-28	109	16	.	.	PUNCT
gujaf-28	110	1	from	from	ADP
gujaf-28	110	2	the	the	DET
gujaf-28	110	3	results	result	NOUN
gujaf-28	110	4	,	,	PUNCT
gujaf-28	110	5	agency	agency	NOUN
gujaf-28	110	6	banking	banking	NOUN
gujaf-28	110	7	components	component	NOUN
gujaf-28	110	8	(	(	PUNCT
gujaf-28	110	9	bank	bank	NOUN
gujaf-28	110	10	innovation	innovation	NOUN
gujaf-28	110	11	strategy	strategy	NOUN
gujaf-28	110	12	,	,	PUNCT
gujaf-28	110	13	geographical	geographical	ADJ
gujaf-28	110	14	coverage	coverage	NOUN
gujaf-28	110	15	strategy	strategy	NOUN
gujaf-28	110	16	and	and	CCONJ
gujaf-28	110	17	technological	technological	ADJ
gujaf-28	110	18	advancement	advancement	NOUN
gujaf-28	110	19	strategy	strategy	NOUN
gujaf-28	110	20	)	)	PUNCT
gujaf-28	110	21	have	have	VERB
gujaf-28	110	22	positive	positive	ADJ
gujaf-28	110	23	and	and	CCONJ
gujaf-28	110	24	significant	significant	ADJ
gujaf-28	110	25	effect	effect	NOUN
gujaf-28	110	26	on	on	ADP
gujaf-28	110	27	financial	financial	ADJ
gujaf-28	110	28	inclusion	inclusion	NOUN
gujaf-28	110	29	of	of	ADP
gujaf-28	110	30	rural	rural	ADJ
gujaf-28	110	31	segment	segment	NOUN
gujaf-28	110	32	in	in	ADP
gujaf-28	110	33	kwara	kwara	PROPN
gujaf-28	110	34	state	state	PROPN
gujaf-28	110	35	,	,	PUNCT
gujaf-28	110	36	nigeria	nigeria	PROPN
gujaf-28	110	37	.	.	PUNCT
gujaf-28	111	1	the	the	DET
gujaf-28	111	2	adjusted	adjust	VERB
gujaf-28	111	3	pseudo	pseudo	NOUN
gujaf-28	111	4	r2	r2	NOUN
gujaf-28	111	5	of	of	ADP
gujaf-28	111	6	0.683	0.683	NUM
gujaf-28	111	7	indicated	indicate	VERB
gujaf-28	111	8	that	that	SCONJ
gujaf-28	111	9	68.3	68.3	NUM
gujaf-28	111	10	%	%	NOUN
gujaf-28	111	11	of	of	ADP
gujaf-28	111	12	the	the	DET
gujaf-28	111	13	variation	variation	NOUN
gujaf-28	111	14	in	in	ADP
gujaf-28	111	15	the	the	DET
gujaf-28	111	16	financial	financial	ADJ
gujaf-28	111	17	inclusion	inclusion	NOUN
gujaf-28	111	18	is	be	AUX
gujaf-28	111	19	explained	explain	VERB
gujaf-28	111	20	by	by	ADP
gujaf-28	111	21	the	the	DET
gujaf-28	111	22	variations	variation	NOUN
gujaf-28	111	23	in	in	ADP
gujaf-28	111	24	the	the	DET
gujaf-28	111	25	agency	agency	NOUN
gujaf-28	111	26	banking	banking	NOUN
gujaf-28	111	27	strategies	strategy	NOUN
gujaf-28	111	28	components	component	NOUN
gujaf-28	111	29	while	while	SCONJ
gujaf-28	111	30	31.7	31.7	NUM
gujaf-28	111	31	%	%	NOUN
gujaf-28	111	32	was	be	AUX
gujaf-28	111	33	explained	explain	VERB
gujaf-28	111	34	by	by	ADP
gujaf-28	111	35	error	error	NOUN
gujaf-28	111	36	terms	term	NOUN
gujaf-28	111	37	.	.	PUNCT
gujaf-28	112	1	the	the	DET
gujaf-28	112	2	table	table	NOUN
gujaf-28	112	3	4	4	NUM
gujaf-28	112	4	also	also	ADV
gujaf-28	112	5	shown	show	VERB
gujaf-28	112	6	that	that	SCONJ
gujaf-28	112	7	the	the	DET
gujaf-28	112	8	results	result	NOUN
gujaf-28	112	9	of	of	ADP
gujaf-28	112	10	anova	anova	PROPN
gujaf-28	112	11	(	(	PUNCT
gujaf-28	112	12	overall	overall	ADJ
gujaf-28	112	13	model	model	NOUN
gujaf-28	112	14	significance	significance	NOUN
gujaf-28	112	15	)	)	PUNCT
gujaf-28	112	16	of	of	ADP
gujaf-28	112	17	the	the	DET
gujaf-28	112	18	tobit	tobit	NOUN
gujaf-28	112	19	regression	regression	NOUN
gujaf-28	112	20	test	test	NOUN
gujaf-28	112	21	which	which	PRON
gujaf-28	112	22	revealed	reveal	VERB
gujaf-28	112	23	that	that	SCONJ
gujaf-28	112	24	the	the	DET
gujaf-28	112	25	joint	joint	ADJ
gujaf-28	112	26	independent	independent	ADJ
gujaf-28	112	27	variables	variable	NOUN
gujaf-28	112	28	of	of	ADP
gujaf-28	112	29	agency	agency	NOUN
gujaf-28	112	30	banking	banking	NOUN
gujaf-28	112	31	strategies	strategy	NOUN
gujaf-28	112	32	components	component	NOUN
gujaf-28	112	33	have	have	VERB
gujaf-28	112	34	a	a	DET
gujaf-28	112	35	significant	significant	ADJ
gujaf-28	112	36	effect	effect	NOUN
gujaf-28	112	37	on	on	ADP
gujaf-28	112	38	financial	financial	ADJ
gujaf-28	112	39	inclusion	inclusion	NOUN
gujaf-28	112	40	of	of	ADP
gujaf-28	112	41	rural	rural	ADJ
gujaf-28	112	42	segment	segment	NOUN
gujaf-28	112	43	areas	area	NOUN
gujaf-28	112	44	in	in	ADP
gujaf-28	112	45	kwara	kwara	PROPN
gujaf-28	112	46	state	state	PROPN
gujaf-28	112	47	,	,	PUNCT
gujaf-28	112	48	nigeria	nigeria	PROPN
gujaf-28	112	49	.	.	PUNCT
gujaf-28	113	1	this	this	PRON
gujaf-28	113	2	can	can	AUX
gujaf-28	113	3	be	be	AUX
gujaf-28	113	4	explained	explain	VERB
gujaf-28	113	5	by	by	ADP
gujaf-28	113	6	the	the	DET
gujaf-28	113	7	f	f	PROPN
gujaf-28	113	8	value	value	NOUN
gujaf-28	113	9	(	(	PUNCT
gujaf-28	113	10	76.795	76.795	NUM
gujaf-28	113	11	)	)	PUNCT
gujaf-28	113	12	and	and	CCONJ
gujaf-28	113	13	low	low	ADJ
gujaf-28	113	14	p	p	NOUN
gujaf-28	113	15	-	-	PUNCT
gujaf-28	113	16	value	value	NOUN
gujaf-28	113	17	(	(	PUNCT
gujaf-28	113	18	0.000	0.000	NUM
gujaf-28	113	19	)	)	PUNCT
gujaf-28	113	20	which	which	PRON
gujaf-28	113	21	is	be	AUX
gujaf-28	113	22	statistically	statistically	ADV
gujaf-28	113	23	significant	significant	ADJ
gujaf-28	113	24	at	at	ADP
gujaf-28	113	25	5	5	NUM
gujaf-28	113	26	%	%	NOUN
gujaf-28	113	27	level	level	NOUN
gujaf-28	113	28	.	.	PUNCT
gujaf-28	114	1	this	this	PRON
gujaf-28	114	2	implied	imply	VERB
gujaf-28	114	3	that	that	SCONJ
gujaf-28	114	4	agency	agency	NOUN
gujaf-28	114	5	banking	banking	NOUN
gujaf-28	114	6	components	component	NOUN
gujaf-28	114	7	adopted	adopt	VERB
gujaf-28	114	8	by	by	ADP
gujaf-28	114	9	commercial	commercial	ADJ
gujaf-28	114	10	banks	bank	NOUN
gujaf-28	114	11	in	in	ADP
gujaf-28	114	12	kwara	kwara	PROPN
gujaf-28	114	13	state	state	PROPN
gujaf-28	114	14	was	be	AUX
gujaf-28	114	15	statistically	statistically	ADV
gujaf-28	114	16	significant	significant	ADJ
gujaf-28	114	17	.	.	PUNCT
gujaf-28	115	1	hence	hence	ADV
gujaf-28	115	2	at	at	ADP
gujaf-28	115	3	95	95	NUM
gujaf-28	115	4	%	%	NOUN
gujaf-28	115	5	confidence	confidence	NOUN
gujaf-28	115	6	level	level	NOUN
gujaf-28	115	7	,	,	PUNCT
gujaf-28	115	8	agency	agency	NOUN
gujaf-28	115	9	banking	banking	NOUN
gujaf-28	115	10	components	component	NOUN
gujaf-28	115	11	influenced	influence	VERB
gujaf-28	115	12	financial	financial	ADJ
gujaf-28	115	13	inclusion	inclusion	NOUN
gujaf-28	115	14	.	.	PUNCT
gujaf-28	116	1	furthermore	furthermore	ADV
gujaf-28	116	2	,	,	PUNCT
gujaf-28	116	3	table	table	NOUN
gujaf-28	116	4	5	5	NUM
gujaf-28	116	5	shows	show	VERB
gujaf-28	116	6	the	the	DET
gujaf-28	116	7	results	result	NOUN
gujaf-28	116	8	of	of	ADP
gujaf-28	116	9	tobit	tobit	NOUN
gujaf-28	116	10	regression	regression	NOUN
gujaf-28	116	11	coefficients	coefficient	NOUN
gujaf-28	116	12	through	through	ADP
gujaf-28	116	13	marginal	marginal	ADJ
gujaf-28	116	14	effect	effect	NOUN
gujaf-28	116	15	output	output	NOUN
gujaf-28	116	16	which	which	PRON
gujaf-28	116	17	reveal	reveal	VERB
gujaf-28	116	18	that	that	SCONJ
gujaf-28	116	19	a	a	DET
gujaf-28	116	20	positive	positive	ADJ
gujaf-28	116	21	effect	effect	NOUN
gujaf-28	116	22	was	be	AUX
gujaf-28	116	23	reported	report	VERB
gujaf-28	116	24	for	for	ADP
gujaf-28	116	25	all	all	DET
gujaf-28	116	26	the	the	DET
gujaf-28	116	27	variables	variable	NOUN
gujaf-28	116	28	of	of	ADP
gujaf-28	116	29	agency	agency	NOUN
gujaf-28	116	30	banking	banking	NOUN
gujaf-28	116	31	components	component	NOUN
gujaf-28	116	32	that	that	PRON
gujaf-28	116	33	is	be	AUX
gujaf-28	116	34	bank	bank	NOUN
gujaf-28	116	35	innovation	innovation	NOUN
gujaf-28	116	36	strategy	strategy	NOUN
gujaf-28	116	37	(	(	PUNCT
gujaf-28	116	38	β	β	X
gujaf-28	116	39	=	=	SYM
gujaf-28	116	40	0.172	0.172	NUM
gujaf-28	116	41	,	,	PUNCT
gujaf-28	116	42	p<0.05	p<0.05	NOUN
gujaf-28	116	43	)	)	PUNCT
gujaf-28	116	44	,	,	PUNCT
gujaf-28	116	45	geographical	geographical	ADJ
gujaf-28	116	46	coverage	coverage	NOUN
gujaf-28	116	47	strategy	strategy	NOUN
gujaf-28	116	48	(	(	PUNCT
gujaf-28	116	49	β	β	X
gujaf-28	116	50	=	=	SYM
gujaf-28	116	51	0.734	0.734	NUM
gujaf-28	116	52	,	,	PUNCT
gujaf-28	116	53	p<0.05	p<0.05	NOUN
gujaf-28	116	54	)	)	PUNCT
gujaf-28	116	55	,	,	PUNCT
gujaf-28	116	56	while	while	SCONJ
gujaf-28	116	57	technological	technological	ADJ
gujaf-28	116	58	advancement	advancement	NOUN
gujaf-28	116	59	strategy	strategy	NOUN
gujaf-28	116	60	(	(	PUNCT
gujaf-28	116	61	β	β	X
gujaf-28	116	62	=	=	SYM
gujaf-28	116	63	1.743	1.743	NUM
gujaf-28	116	64	,	,	PUNCT
gujaf-28	116	65	p<0.05	p<0.05	NOUN
gujaf-28	116	66	)	)	PUNCT
gujaf-28	116	67	all	all	PRON
gujaf-28	116	68	at	at	ADP
gujaf-28	116	69	0.05	0.05	NUM
gujaf-28	116	70	level	level	NOUN
gujaf-28	116	71	of	of	ADP
gujaf-28	116	72	significance	significance	NOUN
gujaf-28	116	73	.	.	PUNCT
gujaf-28	117	1	based	base	VERB
gujaf-28	117	2	on	on	ADP
gujaf-28	117	3	the	the	DET
gujaf-28	117	4	regression	regression	NOUN
gujaf-28	117	5	output	output	NOUN
gujaf-28	117	6	from	from	ADP
gujaf-28	117	7	table	table	NOUN
gujaf-28	117	8	5	5	NUM
gujaf-28	117	9	,	,	PUNCT
gujaf-28	117	10	this	this	DET
gujaf-28	117	11	study	study	NOUN
gujaf-28	117	12	therefore	therefore	ADV
gujaf-28	117	13	rejected	reject	VERB
gujaf-28	117	14	the	the	DET
gujaf-28	117	15	three	three	NUM
gujaf-28	117	16	null	null	ADJ
gujaf-28	117	17	hypotheses	hypothesis	NOUN
gujaf-28	117	18	that	that	PRON
gujaf-28	117	19	;	;	PUNCT
gujaf-28	117	20	h01	h01	NOUN
gujaf-28	117	21	:	:	PUNCT
gujaf-28	117	22	there	there	PRON
gujaf-28	117	23	is	be	VERB
gujaf-28	117	24	no	no	DET
gujaf-28	117	25	significant	significant	ADJ
gujaf-28	117	26	effect	effect	NOUN
gujaf-28	117	27	of	of	ADP
gujaf-28	117	28	bank	bank	NOUN
gujaf-28	117	29	innovation	innovation	NOUN
gujaf-28	117	30	strategy	strategy	NOUN
gujaf-28	117	31	on	on	ADP
gujaf-28	117	32	financial	financial	ADJ
gujaf-28	117	33	inclusion	inclusion	NOUN
gujaf-28	117	34	of	of	ADP
gujaf-28	117	35	rural	rural	ADJ
gujaf-28	117	36	segments	segment	NOUN
gujaf-28	117	37	in	in	ADP
gujaf-28	117	38	kwara	kwara	PROPN
gujaf-28	117	39	state	state	PROPN
gujaf-28	117	40	,	,	PUNCT
gujaf-28	117	41	nigeria	nigeria	PROPN
gujaf-28	117	42	h02	h02	PROPN
gujaf-28	117	43	:	:	PUNCT
gujaf-28	117	44	there	there	PRON
gujaf-28	117	45	is	be	VERB
gujaf-28	117	46	no	no	DET
gujaf-28	117	47	significant	significant	ADJ
gujaf-28	117	48	effect	effect	NOUN
gujaf-28	117	49	of	of	ADP
gujaf-28	117	50	geographical	geographical	ADJ
gujaf-28	117	51	coverage	coverage	NOUN
gujaf-28	117	52	strategy	strategy	NOUN
gujaf-28	117	53	on	on	ADP
gujaf-28	117	54	financial	financial	ADJ
gujaf-28	117	55	inclusion	inclusion	NOUN
gujaf-28	117	56	of	of	ADP
gujaf-28	117	57	rural	rural	ADJ
gujaf-28	117	58	segments	segment	NOUN
gujaf-28	117	59	in	in	ADP
gujaf-28	117	60	kwara	kwara	PROPN
gujaf-28	117	61	state	state	PROPN
gujaf-28	117	62	,	,	PUNCT
gujaf-28	117	63	nigeria	nigeria	PROPN
gujaf-28	117	64	;	;	PUNCT
gujaf-28	117	65	and	and	CCONJ
gujaf-28	117	66	h03	h03	NOUN
gujaf-28	117	67	:	:	PUNCT
gujaf-28	117	68	there	there	PRON
gujaf-28	117	69	is	be	VERB
gujaf-28	117	70	no	no	DET
gujaf-28	117	71	significant	significant	ADJ
gujaf-28	117	72	effect	effect	NOUN
gujaf-28	117	73	of	of	ADP
gujaf-28	117	74	technological	technological	ADJ
gujaf-28	117	75	advancement	advancement	NOUN
gujaf-28	117	76	strategy	strategy	NOUN
gujaf-28	117	77	on	on	ADP
gujaf-28	117	78	financial	financial	ADJ
gujaf-28	117	79	inclusion	inclusion	NOUN
gujaf-28	117	80	of	of	ADP
gujaf-28	117	81	rural	rural	ADJ
gujaf-28	117	82	segments	segment	NOUN
gujaf-28	117	83	in	in	ADP
gujaf-28	117	84	kwara	kwara	PROPN
gujaf-28	117	85	state	state	PROPN
gujaf-28	117	86	,	,	PUNCT
gujaf-28	117	87	nigeria	nigeria	PROPN
gujaf-28	117	88	discussion	discussion	NOUN
gujaf-28	117	89	of	of	ADP
gujaf-28	117	90	findings	finding	NOUN
gujaf-28	117	91	the	the	DET
gujaf-28	117	92	results	result	NOUN
gujaf-28	117	93	of	of	ADP
gujaf-28	117	94	tobit	tobit	NOUN
gujaf-28	117	95	regression	regression	NOUN
gujaf-28	117	96	analysis	analysis	NOUN
gujaf-28	117	97	for	for	ADP
gujaf-28	117	98	the	the	DET
gujaf-28	117	99	effect	effect	NOUN
gujaf-28	117	100	of	of	ADP
gujaf-28	117	101	agency	agency	NOUN
gujaf-28	117	102	banking	banking	NOUN
gujaf-28	117	103	components	component	NOUN
gujaf-28	117	104	on	on	ADP
gujaf-28	117	105	financial	financial	ADJ
gujaf-28	117	106	inclusion	inclusion	NOUN
gujaf-28	117	107	of	of	ADP
gujaf-28	117	108	communities	community	NOUN
gujaf-28	117	109	in	in	ADP
gujaf-28	117	110	kwara	kwara	PROPN
gujaf-28	117	111	state	state	PROPN
gujaf-28	117	112	,	,	PUNCT
gujaf-28	117	113	nigeria	nigeria	PROPN
gujaf-28	117	114	revealed	reveal	VERB
gujaf-28	117	115	that	that	SCONJ
gujaf-28	117	116	the	the	DET
gujaf-28	117	117	joint	joint	ADJ
gujaf-28	117	118	independent	independent	ADJ
gujaf-28	117	119	components	component	NOUN
gujaf-28	117	120	of	of	ADP
gujaf-28	117	121	agency	agency	NOUN
gujaf-28	117	122	banking	banking	NOUN
gujaf-28	117	123	have	have	VERB
gujaf-28	117	124	a	a	DET
gujaf-28	117	125	gusau	gusau	ADJ
gujaf-28	117	126	journal	journal	NOUN
gujaf-28	117	127	of	of	ADP
gujaf-28	117	128	accounting	accounting	NOUN
gujaf-28	117	129	and	and	CCONJ
gujaf-28	117	130	finance	finance	NOUN
gujaf-28	117	131	,	,	PUNCT
gujaf-28	117	132	vol	vol	NOUN
gujaf-28	117	133	.	.	PUNCT
gujaf-28	118	1	i	i	PRON
gujaf-28	118	2	,	,	PUNCT
gujaf-28	118	3	issue	issue	NOUN
gujaf-28	118	4	2	2	NUM
gujaf-28	118	5	,	,	PUNCT
gujaf-28	118	6	october	october	PROPN
gujaf-28	118	7	,	,	PUNCT
gujaf-28	118	8	2020	2020	NUM
gujaf-28	118	9	12	12	NUM
gujaf-28	118	10	significant	significant	ADJ
gujaf-28	118	11	effect	effect	NOUN
gujaf-28	118	12	on	on	ADP
gujaf-28	118	13	financial	financial	ADJ
gujaf-28	118	14	inclusion	inclusion	NOUN
gujaf-28	118	15	of	of	ADP
gujaf-28	118	16	rural	rural	ADJ
gujaf-28	118	17	communities	community	NOUN
gujaf-28	118	18	in	in	ADP
gujaf-28	118	19	kwara	kwara	PROPN
gujaf-28	118	20	state	state	PROPN
gujaf-28	118	21	,	,	PUNCT
gujaf-28	118	22	nigeria	nigeria	PROPN
gujaf-28	118	23	.	.	PUNCT
gujaf-28	119	1	the	the	DET
gujaf-28	119	2	study	study	NOUN
gujaf-28	119	3	findings	finding	NOUN
gujaf-28	119	4	were	be	AUX
gujaf-28	119	5	aligned	align	VERB
gujaf-28	119	6	with	with	ADP
gujaf-28	119	7	the	the	DET
gujaf-28	119	8	apriori	apriori	ADJ
gujaf-28	119	9	expectations	expectation	NOUN
gujaf-28	119	10	of	of	ADP
gujaf-28	119	11	this	this	DET
gujaf-28	119	12	study	study	NOUN
gujaf-28	119	13	that	that	SCONJ
gujaf-28	119	14	banking	banking	NOUN
gujaf-28	119	15	agency	agency	NOUN
gujaf-28	119	16	strategies	strategy	NOUN
gujaf-28	119	17	have	have	AUX
gujaf-28	119	18	positive	positive	ADJ
gujaf-28	119	19	and	and	CCONJ
gujaf-28	119	20	significant	significant	ADJ
gujaf-28	119	21	effect	effect	NOUN
gujaf-28	119	22	on	on	ADP
gujaf-28	119	23	financial	financial	ADJ
gujaf-28	119	24	inclusion	inclusion	NOUN
gujaf-28	119	25	especially	especially	ADV
gujaf-28	119	26	in	in	ADP
gujaf-28	119	27	the	the	DET
gujaf-28	119	28	rural	rural	ADJ
gujaf-28	119	29	areas	area	NOUN
gujaf-28	119	30	.	.	PUNCT
gujaf-28	120	1	similarly	similarly	ADV
gujaf-28	120	2	,	,	PUNCT
gujaf-28	120	3	technology	technology	NOUN
gujaf-28	120	4	acceptance	acceptance	NOUN
gujaf-28	120	5	model	model	NOUN
gujaf-28	120	6	theory	theory	NOUN
gujaf-28	120	7	also	also	ADV
gujaf-28	120	8	supported	support	VERB
gujaf-28	120	9	the	the	DET
gujaf-28	120	10	study	study	NOUN
gujaf-28	120	11	findings	finding	NOUN
gujaf-28	120	12	;	;	PUNCT
gujaf-28	120	13	as	as	SCONJ
gujaf-28	120	14	technology	technology	NOUN
gujaf-28	120	15	acceptance	acceptance	NOUN
gujaf-28	120	16	model	model	NOUN
gujaf-28	120	17	theory	theory	NOUN
gujaf-28	120	18	pointed	point	VERB
gujaf-28	120	19	that	that	SCONJ
gujaf-28	120	20	bank	bank	NOUN
gujaf-28	120	21	technology	technology	NOUN
gujaf-28	120	22	innovation	innovation	NOUN
gujaf-28	120	23	increase	increase	VERB
gujaf-28	120	24	bank	bank	NOUN
gujaf-28	120	25	capacity	capacity	NOUN
gujaf-28	120	26	functions	function	NOUN
gujaf-28	120	27	and	and	CCONJ
gujaf-28	120	28	extension	extension	NOUN
gujaf-28	120	29	to	to	ADP
gujaf-28	120	30	rural	rural	ADJ
gujaf-28	120	31	areas	area	NOUN
gujaf-28	120	32	which	which	PRON
gujaf-28	120	33	enhance	enhance	VERB
gujaf-28	120	34	financial	financial	ADJ
gujaf-28	120	35	inclusion	inclusion	NOUN
gujaf-28	120	36	in	in	ADP
gujaf-28	120	37	rural	rural	ADJ
gujaf-28	120	38	and	and	CCONJ
gujaf-28	120	39	urban	urban	ADJ
gujaf-28	120	40	areas	area	NOUN
gujaf-28	120	41	.	.	PUNCT
gujaf-28	121	1	in	in	ADP
gujaf-28	121	2	addition	addition	NOUN
gujaf-28	121	3	,	,	PUNCT
gujaf-28	121	4	past	past	ADP
gujaf-28	121	5	studies	study	NOUN
gujaf-28	121	6	such	such	ADJ
gujaf-28	121	7	as	as	ADP
gujaf-28	121	8	abbasi	abbasi	PROPN
gujaf-28	121	9	and	and	CCONJ
gujaf-28	121	10	weigand	weigand	PROPN
gujaf-28	121	11	(	(	PUNCT
gujaf-28	121	12	2017	2017	NUM
gujaf-28	121	13	)	)	PUNCT
gujaf-28	121	14	,	,	PUNCT
gujaf-28	121	15	gabor	gabor	PROPN
gujaf-28	121	16	and	and	CCONJ
gujaf-28	121	17	brooks	brooks	PROPN
gujaf-28	121	18	(	(	PUNCT
gujaf-28	121	19	2016	2016	NUM
gujaf-28	121	20	)	)	PUNCT
gujaf-28	121	21	,	,	PUNCT
gujaf-28	121	22	khadka	khadka	NOUN
gujaf-28	121	23	and	and	CCONJ
gujaf-28	121	24	maharjan	maharjan	PROPN
gujaf-28	121	25	(	(	PUNCT
gujaf-28	121	26	2017	2017	NUM
gujaf-28	121	27	)	)	PUNCT
gujaf-28	121	28	,	,	PUNCT
gujaf-28	121	29	naseem	naseem	PROPN
gujaf-28	121	30	(	(	PUNCT
gujaf-28	121	31	2017	2017	NUM
gujaf-28	121	32	)	)	PUNCT
gujaf-28	121	33	,	,	PUNCT
gujaf-28	121	34	nyangosi	nyangosi	NOUN
gujaf-28	121	35	,	,	PUNCT
gujaf-28	121	36	nyangau	nyangau	NOUN
gujaf-28	121	37	,	,	PUNCT
gujaf-28	121	38	nyariki	nyariki	ADJ
gujaf-28	121	39	,	,	PUNCT
gujaf-28	121	40	and	and	CCONJ
gujaf-28	121	41	nyangau	nyangau	NOUN
gujaf-28	121	42	,	,	PUNCT
gujaf-28	121	43	(	(	PUNCT
gujaf-28	121	44	2014	2014	NUM
gujaf-28	121	45	)	)	PUNCT
gujaf-28	121	46	,	,	PUNCT
gujaf-28	121	47	ortstad	ortstad	NOUN
gujaf-28	121	48	and	and	CCONJ
gujaf-28	121	49	sonono	sonono	ADJ
gujaf-28	121	50	(	(	PUNCT
gujaf-28	121	51	2017	2017	NUM
gujaf-28	121	52	)	)	PUNCT
gujaf-28	121	53	were	be	AUX
gujaf-28	121	54	consistent	consistent	ADJ
gujaf-28	121	55	with	with	ADP
gujaf-28	121	56	the	the	DET
gujaf-28	121	57	study	study	NOUN
gujaf-28	121	58	finding	find	VERB
gujaf-28	121	59	that	that	SCONJ
gujaf-28	121	60	agency	agency	NOUN
gujaf-28	121	61	banking	banking	NOUN
gujaf-28	121	62	enhances	enhance	VERB
gujaf-28	121	63	bank	bank	NOUN
gujaf-28	121	64	customer	customer	NOUN
gujaf-28	121	65	patronage	patronage	NOUN
gujaf-28	121	66	and	and	CCONJ
gujaf-28	121	67	financial	financial	ADJ
gujaf-28	121	68	inclusion	inclusion	NOUN
gujaf-28	121	69	.	.	PUNCT
gujaf-28	122	1	khadka	khadka	NOUN
gujaf-28	122	2	and	and	CCONJ
gujaf-28	122	3	maharjan	maharjan	PROPN
gujaf-28	122	4	(	(	PUNCT
gujaf-28	122	5	2017	2017	NUM
gujaf-28	122	6	)	)	PUNCT
gujaf-28	122	7	also	also	ADV
gujaf-28	122	8	found	find	VERB
gujaf-28	122	9	that	that	SCONJ
gujaf-28	122	10	agency	agency	NOUN
gujaf-28	122	11	banking	banking	NOUN
gujaf-28	122	12	to	to	ADP
gujaf-28	122	13	rural	rural	ADJ
gujaf-28	122	14	communities	community	NOUN
gujaf-28	122	15	through	through	ADP
gujaf-28	122	16	digital	digital	ADJ
gujaf-28	122	17	and	and	CCONJ
gujaf-28	122	18	innovation	innovation	NOUN
gujaf-28	122	19	banking	banking	NOUN
gujaf-28	122	20	strategies	strategy	NOUN
gujaf-28	122	21	significantly	significantly	ADV
gujaf-28	122	22	enhance	enhance	VERB
gujaf-28	122	23	bank	bank	NOUN
gujaf-28	122	24	activities	activity	NOUN
gujaf-28	122	25	coverage	coverage	NOUN
gujaf-28	122	26	of	of	ADP
gujaf-28	122	27	most	most	ADJ
gujaf-28	122	28	communities	community	NOUN
gujaf-28	122	29	.	.	PUNCT
gujaf-28	123	1	in	in	ADP
gujaf-28	123	2	addition	addition	NOUN
gujaf-28	123	3	,	,	PUNCT
gujaf-28	123	4	aini	aini	NOUN
gujaf-28	123	5	(	(	PUNCT
gujaf-28	123	6	2014	2014	NUM
gujaf-28	123	7	)	)	PUNCT
gujaf-28	123	8	,	,	PUNCT
gujaf-28	123	9	dzombo	dzombo	PROPN
gujaf-28	123	10	,	,	PUNCT
gujaf-28	123	11	kilika	kilika	NOUN
gujaf-28	123	12	and	and	CCONJ
gujaf-28	123	13	maingi	maingi	PROPN
gujaf-28	123	14	(	(	PUNCT
gujaf-28	123	15	2017	2017	NUM
gujaf-28	123	16	)	)	PUNCT
gujaf-28	123	17	,	,	PUNCT
gujaf-28	123	18	lotto	lotto	NOUN
gujaf-28	123	19	(	(	PUNCT
gujaf-28	123	20	2016	2016	NUM
gujaf-28	123	21	)	)	PUNCT
gujaf-28	123	22	,	,	PUNCT
gujaf-28	123	23	mbugua	mbugua	NOUN
gujaf-28	123	24	(	(	PUNCT
gujaf-28	123	25	2015	2015	NUM
gujaf-28	123	26	)	)	PUNCT
gujaf-28	123	27	,	,	PUNCT
gujaf-28	123	28	munoru	munoru	NOUN
gujaf-28	123	29	(	(	PUNCT
gujaf-28	123	30	2016	2016	NUM
gujaf-28	123	31	)	)	PUNCT
gujaf-28	123	32	,	,	PUNCT
gujaf-28	123	33	lotto	lotto	NOUN
gujaf-28	123	34	(	(	PUNCT
gujaf-28	123	35	2016	2016	NUM
gujaf-28	123	36	)	)	PUNCT
gujaf-28	123	37	found	find	VERB
gujaf-28	123	38	that	that	SCONJ
gujaf-28	123	39	agent	agent	NOUN
gujaf-28	123	40	banking	banking	NOUN
gujaf-28	123	41	services	service	NOUN
gujaf-28	123	42	enhance	enhance	VERB
gujaf-28	123	43	promotion	promotion	NOUN
gujaf-28	123	44	of	of	ADP
gujaf-28	123	45	financial	financial	ADJ
gujaf-28	123	46	inclusion	inclusion	NOUN
gujaf-28	123	47	.	.	PUNCT
gujaf-28	124	1	based	base	VERB
gujaf-28	124	2	on	on	ADP
gujaf-28	124	3	the	the	DET
gujaf-28	124	4	majority	majority	NOUN
gujaf-28	124	5	support	support	NOUN
gujaf-28	124	6	of	of	ADP
gujaf-28	124	7	past	past	ADJ
gujaf-28	124	8	studies	study	NOUN
gujaf-28	124	9	on	on	ADP
gujaf-28	124	10	the	the	DET
gujaf-28	124	11	study	study	NOUN
gujaf-28	124	12	finding	finding	NOUN
gujaf-28	124	13	,	,	PUNCT
gujaf-28	124	14	this	this	DET
gujaf-28	124	15	study	study	NOUN
gujaf-28	124	16	therefore	therefore	ADV
gujaf-28	124	17	rejected	reject	VERB
gujaf-28	124	18	the	the	DET
gujaf-28	124	19	three	three	NUM
gujaf-28	124	20	null	null	ADJ
gujaf-28	124	21	hypotheses	hypothesis	NOUN
gujaf-28	124	22	.	.	PUNCT
gujaf-28	125	1	5	5	X
gujaf-28	125	2	.	.	X
gujaf-28	125	3	conclusion	conclusion	NOUN
gujaf-28	125	4	and	and	CCONJ
gujaf-28	125	5	recommendations	recommendation	NOUN
gujaf-28	125	6	this	this	DET
gujaf-28	125	7	study	study	NOUN
gujaf-28	125	8	concludes	conclude	VERB
gujaf-28	125	9	that	that	SCONJ
gujaf-28	125	10	agency	agency	NOUN
gujaf-28	125	11	banking	banking	NOUN
gujaf-28	125	12	strategies	strategy	NOUN
gujaf-28	125	13	(	(	PUNCT
gujaf-28	125	14	bank	bank	NOUN
gujaf-28	125	15	innovation	innovation	NOUN
gujaf-28	125	16	strategy	strategy	NOUN
gujaf-28	125	17	,	,	PUNCT
gujaf-28	125	18	geographical	geographical	ADJ
gujaf-28	125	19	coverage	coverage	NOUN
gujaf-28	125	20	strategy	strategy	NOUN
gujaf-28	125	21	and	and	CCONJ
gujaf-28	125	22	technological	technological	ADJ
gujaf-28	125	23	advancement	advancement	NOUN
gujaf-28	125	24	strategy	strategy	NOUN
gujaf-28	125	25	)	)	PUNCT
gujaf-28	125	26	significantly	significantly	ADV
gujaf-28	125	27	affect	affect	VERB
gujaf-28	125	28	financial	financial	ADJ
gujaf-28	125	29	inclusion	inclusion	NOUN
gujaf-28	125	30	among	among	ADP
gujaf-28	125	31	rural	rural	ADJ
gujaf-28	125	32	areas	area	NOUN
gujaf-28	125	33	in	in	ADP
gujaf-28	125	34	kwara	kwara	PROPN
gujaf-28	125	35	state	state	PROPN
gujaf-28	125	36	,	,	PUNCT
gujaf-28	125	37	nigeria	nigeria	PROPN
gujaf-28	125	38	.	.	PUNCT
gujaf-28	126	1	the	the	DET
gujaf-28	126	2	following	follow	VERB
gujaf-28	126	3	policy	policy	NOUN
gujaf-28	126	4	recommendations	recommendation	NOUN
gujaf-28	126	5	are	be	AUX
gujaf-28	126	6	suggested	suggest	VERB
gujaf-28	126	7	based	base	VERB
gujaf-28	126	8	on	on	ADP
gujaf-28	126	9	the	the	DET
gujaf-28	126	10	findings	finding	NOUN
gujaf-28	126	11	of	of	ADP
gujaf-28	126	12	this	this	DET
gujaf-28	126	13	study	study	NOUN
gujaf-28	126	14	:	:	PUNCT
gujaf-28	126	15	i.	i.	NOUN
gujaf-28	126	16	the	the	DET
gujaf-28	126	17	management	management	NOUN
gujaf-28	126	18	of	of	ADP
gujaf-28	126	19	deposit	deposit	NOUN
gujaf-28	126	20	money	money	NOUN
gujaf-28	126	21	banks	bank	NOUN
gujaf-28	126	22	should	should	AUX
gujaf-28	126	23	establish	establish	VERB
gujaf-28	126	24	training	training	NOUN
gujaf-28	126	25	centre	centre	NOUN
gujaf-28	126	26	that	that	PRON
gujaf-28	126	27	will	will	AUX
gujaf-28	126	28	enhance	enhance	VERB
gujaf-28	126	29	bank	bank	NOUN
gujaf-28	126	30	innovative	innovative	ADJ
gujaf-28	126	31	ideas	idea	NOUN
gujaf-28	126	32	in	in	ADP
gujaf-28	126	33	rural	rural	ADJ
gujaf-28	126	34	areas	area	NOUN
gujaf-28	126	35	where	where	SCONJ
gujaf-28	126	36	employees	employee	NOUN
gujaf-28	126	37	working	work	VERB
gujaf-28	126	38	as	as	ADP
gujaf-28	126	39	agent	agent	NOUN
gujaf-28	126	40	bankers	banker	NOUN
gujaf-28	126	41	will	will	AUX
gujaf-28	126	42	educate	educate	VERB
gujaf-28	126	43	and	and	CCONJ
gujaf-28	126	44	enlighten	enlighten	VERB
gujaf-28	126	45	the	the	DET
gujaf-28	126	46	rural	rural	ADJ
gujaf-28	126	47	segment	segment	NOUN
gujaf-28	126	48	entrepreneurs	entrepreneur	NOUN
gujaf-28	126	49	on	on	ADP
gujaf-28	126	50	bank	bank	NOUN
gujaf-28	126	51	innovative	innovative	ADJ
gujaf-28	126	52	products	product	NOUN
gujaf-28	126	53	or	or	CCONJ
gujaf-28	126	54	services	service	NOUN
gujaf-28	126	55	so	so	SCONJ
gujaf-28	126	56	as	as	SCONJ
gujaf-28	126	57	to	to	PART
gujaf-28	126	58	increase	increase	VERB
gujaf-28	126	59	inclusive	inclusive	ADJ
gujaf-28	126	60	financial	financial	ADJ
gujaf-28	126	61	services	service	NOUN
gujaf-28	126	62	and	and	CCONJ
gujaf-28	126	63	economic	economic	ADJ
gujaf-28	126	64	activities	activity	NOUN
gujaf-28	126	65	for	for	ADP
gujaf-28	126	66	the	the	DET
gujaf-28	126	67	rural	rural	ADJ
gujaf-28	126	68	segments	segment	NOUN
gujaf-28	126	69	.	.	PUNCT
gujaf-28	127	1	ii	ii	PROPN
gujaf-28	127	2	.	.	PUNCT
gujaf-28	128	1	the	the	DET
gujaf-28	128	2	management	management	NOUN
gujaf-28	128	3	of	of	ADP
gujaf-28	128	4	deposit	deposit	NOUN
gujaf-28	128	5	money	money	NOUN
gujaf-28	128	6	banks	bank	NOUN
gujaf-28	128	7	should	should	AUX
gujaf-28	128	8	increase	increase	VERB
gujaf-28	128	9	the	the	DET
gujaf-28	128	10	extension	extension	NOUN
gujaf-28	128	11	of	of	ADP
gujaf-28	128	12	level	level	NOUN
gujaf-28	128	13	of	of	ADP
gujaf-28	128	14	technological	technological	ADJ
gujaf-28	128	15	advancement	advancement	NOUN
gujaf-28	128	16	access	access	NOUN
gujaf-28	128	17	and	and	CCONJ
gujaf-28	128	18	capability	capability	NOUN
gujaf-28	128	19	to	to	ADP
gujaf-28	128	20	the	the	DET
gujaf-28	128	21	rural	rural	ADJ
gujaf-28	128	22	communities	community	NOUN
gujaf-28	128	23	as	as	SCONJ
gujaf-28	128	24	this	this	PRON
gujaf-28	128	25	will	will	AUX
gujaf-28	128	26	enhance	enhance	VERB
gujaf-28	128	27	the	the	DET
gujaf-28	128	28	level	level	NOUN
gujaf-28	128	29	of	of	ADP
gujaf-28	128	30	financial	financial	ADJ
gujaf-28	128	31	inclusion	inclusion	NOUN
gujaf-28	128	32	in	in	ADP
gujaf-28	128	33	the	the	DET
gujaf-28	128	34	rural	rural	ADJ
gujaf-28	128	35	communities	community	NOUN
gujaf-28	128	36	gusau	gusau	PROPN
gujaf-28	128	37	journal	journal	PROPN
gujaf-28	128	38	of	of	ADP
gujaf-28	128	39	accounting	accounting	NOUN
gujaf-28	128	40	and	and	CCONJ
gujaf-28	128	41	finance	finance	NOUN
gujaf-28	128	42	,	,	PUNCT
gujaf-28	128	43	vol	vol	NOUN
gujaf-28	128	44	.	.	PUNCT
gujaf-28	129	1	i	i	PRON
gujaf-28	129	2	,	,	PUNCT
gujaf-28	129	3	issue	issue	NOUN
gujaf-28	129	4	2	2	NUM
gujaf-28	129	5	,	,	PUNCT
gujaf-28	129	6	october	october	PROPN
gujaf-28	129	7	,	,	PUNCT
gujaf-28	129	8	2020	2020	NUM
gujaf-28	129	9	13	13	NUM
gujaf-28	129	10	iii	iii	NOUN
gujaf-28	129	11	.	.	PUNCT
gujaf-28	130	1	the	the	DET
gujaf-28	130	2	management	management	NOUN
gujaf-28	130	3	of	of	ADP
gujaf-28	130	4	deposit	deposit	NOUN
gujaf-28	130	5	money	money	NOUN
gujaf-28	130	6	banks	bank	NOUN
gujaf-28	130	7	should	should	AUX
gujaf-28	130	8	extend	extend	VERB
gujaf-28	130	9	the	the	DET
gujaf-28	130	10	level	level	NOUN
gujaf-28	130	11	of	of	ADP
gujaf-28	130	12	geographical	geographical	ADJ
gujaf-28	130	13	coverage	coverage	NOUN
gujaf-28	130	14	of	of	ADP
gujaf-28	130	15	bank	bank	NOUN
gujaf-28	130	16	activities	activity	NOUN
gujaf-28	130	17	to	to	ADP
gujaf-28	130	18	unbanked	unbanked	ADJ
gujaf-28	130	19	segments	segment	NOUN
gujaf-28	130	20	in	in	ADP
gujaf-28	130	21	order	order	NOUN
gujaf-28	130	22	to	to	PART
gujaf-28	130	23	increase	increase	VERB
gujaf-28	130	24	the	the	DET
gujaf-28	130	25	level	level	NOUN
gujaf-28	130	26	of	of	ADP
gujaf-28	130	27	financial	financial	ADJ
gujaf-28	130	28	inclusion	inclusion	NOUN
gujaf-28	130	29	in	in	ADP
gujaf-28	130	30	kwara	kwara	PROPN
gujaf-28	130	31	state	state	PROPN
gujaf-28	130	32	,	,	PUNCT
gujaf-28	130	33	nigeria	nigeria	PROPN
gujaf-28	130	34	area	area	NOUN
gujaf-28	130	35	of	of	ADP
gujaf-28	130	36	further	further	ADJ
gujaf-28	130	37	study	study	NOUN
gujaf-28	130	38	further	further	ADJ
gujaf-28	130	39	study	study	NOUN
gujaf-28	130	40	should	should	AUX
gujaf-28	130	41	focus	focus	VERB
gujaf-28	130	42	on	on	ADP
gujaf-28	130	43	the	the	DET
gujaf-28	130	44	effect	effect	NOUN
gujaf-28	130	45	of	of	ADP
gujaf-28	130	46	agency	agency	NOUN
gujaf-28	130	47	banking	banking	NOUN
gujaf-28	130	48	strategies	strategy	NOUN
gujaf-28	130	49	on	on	ADP
gujaf-28	130	50	financial	financial	ADJ
gujaf-28	130	51	inclusion	inclusion	NOUN
gujaf-28	130	52	of	of	ADP
gujaf-28	130	53	rural	rural	ADJ
gujaf-28	130	54	communities	community	NOUN
gujaf-28	130	55	in	in	ADP
gujaf-28	130	56	north	north	ADJ
gujaf-28	130	57	central	central	ADJ
gujaf-28	130	58	region	region	NOUN
gujaf-28	130	59	,	,	PUNCT
gujaf-28	130	60	nigeria	nigeria	PROPN
gujaf-28	130	61	.	.	PUNCT
gujaf-28	131	1	references	reference	NOUN
gujaf-28	131	2	abbasi	abbasi	PROPN
gujaf-28	131	3	,	,	PUNCT
gujaf-28	131	4	t.	t.	PROPN
gujaf-28	131	5	,	,	PUNCT
gujaf-28	131	6	&	&	CCONJ
gujaf-28	131	7	weigand	weigand	PROPN
gujaf-28	131	8	,	,	PUNCT
gujaf-28	131	9	h.	h.	PROPN
gujaf-28	131	10	(	(	PUNCT
gujaf-28	131	11	2017	2017	NUM
gujaf-28	131	12	)	)	PUNCT
gujaf-28	131	13	.	.	PUNCT
gujaf-28	132	1	the	the	DET
gujaf-28	132	2	impact	impact	NOUN
gujaf-28	132	3	of	of	ADP
gujaf-28	132	4	financial	financial	ADJ
gujaf-28	132	5	services	service	NOUN
gujaf-28	132	6	on	on	ADP
gujaf-28	132	7	firms	firm	NOUN
gujaf-28	132	8	performance	performance	NOUN
gujaf-28	132	9	:	:	PUNCT
gujaf-28	132	10	a	a	DET
gujaf-28	132	11	literature	literature	NOUN
gujaf-28	132	12	review	review	NOUN
gujaf-28	132	13	.	.	PUNCT
gujaf-28	133	1	department	department	NOUN
gujaf-28	133	2	of	of	ADP
gujaf-28	133	3	management	management	NOUN
gujaf-28	133	4	,	,	PUNCT
gujaf-28	133	5	tilburg	tilburg	NOUN
gujaf-28	133	6	school	school	NOUN
gujaf-28	133	7	of	of	ADP
gujaf-28	133	8	economics	economic	NOUN
gujaf-28	133	9	and	and	CCONJ
gujaf-28	133	10	management	management	NOUN
gujaf-28	133	11	,	,	PUNCT
gujaf-28	133	12	tilburg	tilburg	PROPN
gujaf-28	133	13	university	university	PROPN
gujaf-28	133	14	,	,	PUNCT
gujaf-28	133	15	neitherlands	neitherlands	PROPN
gujaf-28	133	16	.	.	PUNCT
gujaf-28	134	1	achugamonu	achugamonu	PROPN
gujaf-28	134	2	,	,	PUNCT
gujaf-28	134	3	b.	b.	PROPN
gujaf-28	134	4	u.	u.	PROPN
gujaf-28	134	5	,	,	PUNCT
gujaf-28	134	6	taiwo	taiwo	PROPN
gujaf-28	134	7	,	,	PUNCT
gujaf-28	134	8	j.	j.	PROPN
gujaf-28	134	9	n.	n.	PROPN
gujaf-28	134	10	,	,	PUNCT
gujaf-28	134	11	ikpefan	ikpefan	PROPN
gujaf-28	134	12	,	,	PUNCT
gujaf-28	134	13	o.	o.	PROPN
gujaf-28	134	14	a.	a.	PROPN
gujaf-28	134	15	,	,	PUNCT
gujaf-28	134	16	olurinola	olurinola	PROPN
gujaf-28	134	17	,	,	PUNCT
gujaf-28	134	18	i.	i.	PROPN
gujaf-28	134	19	o.	o.	PROPN
gujaf-28	134	20	&	&	CCONJ
gujaf-28	134	21	okorie	okorie	PROPN
gujaf-28	134	22	,	,	PUNCT
gujaf-28	134	23	u.	u.	PROPN
gujaf-28	134	24	e.	e.	PROPN
gujaf-28	134	25	(	(	PUNCT
gujaf-28	134	26	2016	2016	NUM
gujaf-28	134	27	)	)	PUNCT
gujaf-28	134	28	.	.	PUNCT
gujaf-28	135	1	agent	agent	NOUN
gujaf-28	135	2	banking	banking	NOUN
gujaf-28	135	3	and	and	CCONJ
gujaf-28	135	4	financial	financial	ADJ
gujaf-28	135	5	inclusion	inclusion	NOUN
gujaf-28	135	6	:	:	PUNCT
gujaf-28	135	7	the	the	DET
gujaf-28	135	8	nigerian	nigerian	ADJ
gujaf-28	135	9	experience	experience	NOUN
gujaf-28	135	10	.	.	PUNCT
gujaf-28	136	1	vision	vision	NOUN
gujaf-28	136	2	2020	2020	NUM
gujaf-28	136	3	:	:	PUNCT
gujaf-28	136	4	innovation	innovation	NOUN
gujaf-28	136	5	management	management	NOUN
gujaf-28	136	6	,	,	PUNCT
gujaf-28	136	7	development	development	NOUN
gujaf-28	136	8	sustainability	sustainability	NOUN
gujaf-28	136	9	,	,	PUNCT
gujaf-28	136	10	and	and	CCONJ
gujaf-28	136	11	competitive	competitive	ADJ
gujaf-28	136	12	economic	economic	ADJ
gujaf-28	136	13	growth	growth	NOUN
gujaf-28	136	14	.	.	PUNCT
gujaf-28	137	1	proceedings	proceeding	NOUN
gujaf-28	137	2	of	of	ADP
gujaf-28	137	3	the	the	DET
gujaf-28	137	4	28th	28th	ADJ
gujaf-28	137	5	international	international	ADJ
gujaf-28	137	6	business	business	NOUN
gujaf-28	137	7	information	information	NOUN
gujaf-28	137	8	management	management	PROPN
gujaf-28	137	9	association	association	PROPN
gujaf-28	137	10	conference	conference	NOUN
gujaf-28	137	11	.	.	PUNCT
gujaf-28	138	1	afande	afande	PROPN
gujaf-28	138	2	,	,	PUNCT
gujaf-28	138	3	f.	f.	PROPN
gujaf-28	138	4	,	,	PUNCT
gujaf-28	138	5	&	&	CCONJ
gujaf-28	138	6	mbugua	mbugua	PROPN
gujaf-28	138	7	s.	s.	PROPN
gujaf-28	138	8	(	(	PUNCT
gujaf-28	138	9	2015	2015	NUM
gujaf-28	138	10	)	)	PUNCT
gujaf-28	138	11	.	.	PUNCT
gujaf-28	139	1	role	role	NOUN
gujaf-28	139	2	of	of	ADP
gujaf-28	139	3	agent	agent	NOUN
gujaf-28	139	4	banking	banking	NOUN
gujaf-28	139	5	services	service	NOUN
gujaf-28	139	6	in	in	ADP
gujaf-28	139	7	promotion	promotion	NOUN
gujaf-28	139	8	of	of	ADP
gujaf-28	139	9	financial	financial	ADJ
gujaf-28	139	10	inclusion	inclusion	NOUN
gujaf-28	139	11	in	in	ADP
gujaf-28	139	12	nyeri	nyeri	ADJ
gujaf-28	139	13	town	town	NOUN
gujaf-28	139	14	,	,	PUNCT
gujaf-28	139	15	kenya	kenya	PROPN
gujaf-28	139	16	.	.	PUNCT
gujaf-28	140	1	research	research	PROPN
gujaf-28	140	2	journal	journal	PROPN
gujaf-28	140	3	of	of	ADP
gujaf-28	140	4	finance	finance	NOUN
gujaf-28	140	5	and	and	CCONJ
gujaf-28	140	6	accounting	accounting	NOUN
gujaf-28	140	7	,	,	PUNCT
gujaf-28	140	8	148173	148173	NUM
gujaf-28	140	9	aini	aini	NOUN
gujaf-28	140	10	,	,	PUNCT
gujaf-28	140	11	s.	s.	PROPN
gujaf-28	140	12	(	(	PUNCT
gujaf-28	140	13	2014	2014	NUM
gujaf-28	140	14	)	)	PUNCT
gujaf-28	140	15	.	.	PUNCT
gujaf-28	141	1	studying	study	VERB
gujaf-28	141	2	financial	financial	ADJ
gujaf-28	141	3	inclusion	inclusion	NOUN
gujaf-28	141	4	among	among	ADP
gujaf-28	141	5	commercial	commercial	ADJ
gujaf-28	141	6	banks	bank	NOUN
gujaf-28	141	7	in	in	ADP
gujaf-28	141	8	united	united	ADJ
gujaf-28	141	9	kingdom	kingdom	PROPN
gujaf-28	141	10	.	.	PUNCT
gujaf-28	142	1	international	international	ADJ
gujaf-28	142	2	journal	journal	PROPN
gujaf-28	142	3	of	of	ADP
gujaf-28	142	4	bank	bank	PROPN
gujaf-28	142	5	marketing	marketing	NOUN
gujaf-28	142	6	,	,	PUNCT
gujaf-28	142	7	30(6	30(6	NUM
gujaf-28	142	8	)	)	PUNCT
gujaf-28	142	9	,	,	PUNCT
gujaf-28	142	10	465	465	NUM
gujaf-28	142	11	-	-	SYM
gujaf-28	142	12	484	484	NUM
gujaf-28	142	13	.	.	PUNCT
gujaf-28	143	1	basu	basu	PROPN
gujaf-28	143	2	,	,	PUNCT
gujaf-28	143	3	t.	t.	PROPN
gujaf-28	143	4	,	,	PUNCT
gujaf-28	143	5	&	&	CCONJ
gujaf-28	143	6	ghosh	ghosh	PROPN
gujaf-28	143	7	,	,	PUNCT
gujaf-28	143	8	s.	s.	PROPN
gujaf-28	143	9	(	(	PUNCT
gujaf-28	143	10	2016	2016	NUM
gujaf-28	143	11	)	)	PUNCT
gujaf-28	143	12	.	.	PUNCT
gujaf-28	144	1	a	a	DET
gujaf-28	144	2	study	study	NOUN
gujaf-28	144	3	on	on	ADP
gujaf-28	144	4	changing	change	VERB
gujaf-28	144	5	role	role	NOUN
gujaf-28	144	6	of	of	ADP
gujaf-28	144	7	money	money	NOUN
gujaf-28	144	8	.	.	PUNCT
gujaf-28	145	1	international	international	ADJ
gujaf-28	145	2	journal	journal	PROPN
gujaf-28	145	3	of	of	ADP
gujaf-28	145	4	commerce	commerce	PROPN
gujaf-28	145	5	,	,	PUNCT
gujaf-28	145	6	business	business	NOUN
gujaf-28	145	7	and	and	CCONJ
gujaf-28	145	8	management	management	NOUN
gujaf-28	145	9	(	(	PUNCT
gujaf-28	145	10	ijcbm	ijcbm	NOUN
gujaf-28	145	11	)	)	PUNCT
gujaf-28	145	12	,	,	PUNCT
gujaf-28	145	13	5(3	5(3	NUM
gujaf-28	145	14	)	)	PUNCT
gujaf-28	145	15	,	,	PUNCT
gujaf-28	145	16	321	321	NUM
gujaf-28	145	17	-	-	SYM
gujaf-28	145	18	342	342	NUM
gujaf-28	145	19	.	.	PUNCT
gujaf-28	146	1	bagozzi	bagozzi	PROPN
gujaf-28	146	2	,	,	PUNCT
gujaf-28	146	3	r.	r.	PROPN
gujaf-28	146	4	p.	p.	PROPN
gujaf-28	146	5	,	,	PUNCT
gujaf-28	146	6	(	(	PUNCT
gujaf-28	146	7	2007	2007	NUM
gujaf-28	146	8	)	)	PUNCT
gujaf-28	146	9	.	.	PUNCT
gujaf-28	147	1	the	the	DET
gujaf-28	147	2	legacy	legacy	NOUN
gujaf-28	147	3	of	of	ADP
gujaf-28	147	4	the	the	DET
gujaf-28	147	5	technology	technology	NOUN
gujaf-28	147	6	acceptance	acceptance	NOUN
gujaf-28	147	7	model	model	NOUN
gujaf-28	147	8	and	and	CCONJ
gujaf-28	147	9	a	a	DET
gujaf-28	147	10	proposal	proposal	NOUN
gujaf-28	147	11	for	for	ADP
gujaf-28	147	12	a	a	DET
gujaf-28	147	13	paradigm	paradigm	NOUN
gujaf-28	147	14	shift	shift	NOUN
gujaf-28	147	15	.	.	PUNCT
gujaf-28	148	1	journal	journal	NOUN
gujaf-28	148	2	of	of	ADP
gujaf-28	148	3	the	the	DET
gujaf-28	148	4	association	association	NOUN
gujaf-28	148	5	for	for	ADP
gujaf-28	148	6	information	information	NOUN
gujaf-28	148	7	systems	system	NOUN
gujaf-28	148	8	,	,	PUNCT
gujaf-28	148	9	4(8	4(8	NUM
gujaf-28	148	10	)	)	PUNCT
gujaf-28	148	11	,	,	PUNCT
gujaf-28	148	12	244	244	NUM
gujaf-28	148	13	–	–	PUNCT
gujaf-28	148	14	254	254	NUM
gujaf-28	148	15	.	.	PUNCT
gujaf-28	149	1	chipeta	chipeta	PROPN
gujaf-28	149	2	,	,	PUNCT
gujaf-28	149	3	c.	c.	PROPN
gujaf-28	149	4	,	,	PUNCT
gujaf-28	149	5	&	&	CCONJ
gujaf-28	149	6	muthinja	muthinja	NOUN
gujaf-28	149	7	,	,	PUNCT
gujaf-28	149	8	m.	m.	NOUN
gujaf-28	149	9	m.	m.	NOUN
gujaf-28	149	10	(	(	PUNCT
gujaf-28	149	11	2018	2018	NUM
gujaf-28	149	12	)	)	PUNCT
gujaf-28	149	13	.	.	PUNCT
gujaf-28	150	1	financial	financial	ADJ
gujaf-28	150	2	innovations	innovation	NOUN
gujaf-28	150	3	and	and	CCONJ
gujaf-28	150	4	bank	bank	NOUN
gujaf-28	150	5	performance	performance	NOUN
gujaf-28	150	6	in	in	ADP
gujaf-28	150	7	kenya	kenya	PROPN
gujaf-28	150	8	:	:	PUNCT
gujaf-28	150	9	evidence	evidence	NOUN
gujaf-28	150	10	from	from	ADP
gujaf-28	150	11	branchless	branchless	ADJ
gujaf-28	150	12	banking	banking	NOUN
gujaf-28	150	13	models	model	NOUN
gujaf-28	150	14	.	.	PUNCT
gujaf-28	151	1	south	south	ADJ
gujaf-28	151	2	african	african	ADJ
gujaf-28	151	3	journal	journal	PROPN
gujaf-28	151	4	of	of	ADP
gujaf-28	151	5	economic	economic	ADJ
gujaf-28	151	6	and	and	CCONJ
gujaf-28	151	7	management	management	NOUN
gujaf-28	151	8	sciences	science	NOUN
gujaf-28	151	9	,	,	PUNCT
gujaf-28	151	10	21(1	21(1	NUM
gujaf-28	151	11	)	)	PUNCT
gujaf-28	151	12	,	,	PUNCT
gujaf-28	151	13	16	16	NUM
gujaf-28	151	14	-	-	SYM
gujaf-28	151	15	81	81	NUM
gujaf-28	151	16	.	.	PUNCT
gujaf-28	152	1	cicea	cicea	PROPN
gujaf-28	152	2	,	,	PUNCT
gujaf-28	152	3	c.	c.	PROPN
gujaf-28	152	4	,	,	PUNCT
gujaf-28	152	5	&	&	CCONJ
gujaf-28	152	6	hincu	hincu	PROPN
gujaf-28	152	7	,	,	PUNCT
gujaf-28	152	8	d.	d.	PROPN
gujaf-28	152	9	(	(	PUNCT
gujaf-28	152	10	2009	2009	NUM
gujaf-28	152	11	)	)	PUNCT
gujaf-28	152	12	.	.	PUNCT
gujaf-28	153	1	performance	performance	NOUN
gujaf-28	153	2	evaluation	evaluation	NOUN
gujaf-28	153	3	methods	method	NOUN
gujaf-28	153	4	in	in	ADP
gujaf-28	153	5	commercial	commercial	ADJ
gujaf-28	153	6	banks	bank	NOUN
gujaf-28	153	7	and	and	CCONJ
gujaf-28	153	8	associated	associate	VERB
gujaf-28	153	9	risks	risk	NOUN
gujaf-28	153	10	for	for	ADP
gujaf-28	153	11	managing	manage	VERB
gujaf-28	153	12	assets	asset	NOUN
gujaf-28	153	13	and	and	CCONJ
gujaf-28	153	14	liabilities	liability	NOUN
gujaf-28	153	15	.	.	PUNCT
gujaf-28	154	1	communications	communication	NOUN
gujaf-28	154	2	of	of	ADP
gujaf-28	154	3	the	the	DET
gujaf-28	154	4	ibima	ibima	PROPN
gujaf-28	154	5	.	.	PUNCT
gujaf-28	155	1	davis	davis	PROPN
gujaf-28	155	2	,	,	PUNCT
gujaf-28	155	3	f.	f.	PROPN
gujaf-28	155	4	d.	d.	PROPN
gujaf-28	155	5	(	(	PUNCT
gujaf-28	155	6	1989	1989	NUM
gujaf-28	155	7	)	)	PUNCT
gujaf-28	155	8	.	.	PUNCT
gujaf-28	156	1	perceived	perceive	VERB
gujaf-28	156	2	usefulness	usefulness	NOUN
gujaf-28	156	3	,	,	PUNCT
gujaf-28	156	4	perceived	perceive	VERB
gujaf-28	156	5	ease	ease	NOUN
gujaf-28	156	6	of	of	ADP
gujaf-28	156	7	use	use	NOUN
gujaf-28	156	8	,	,	PUNCT
gujaf-28	156	9	and	and	CCONJ
gujaf-28	156	10	user	user	NOUN
gujaf-28	156	11	acceptance	acceptance	NOUN
gujaf-28	156	12	of	of	ADP
gujaf-28	156	13	information	information	NOUN
gujaf-28	156	14	technology	technology	NOUN
gujaf-28	156	15	.	.	PUNCT
gujaf-28	157	1	mis	mis	PROPN
gujaf-28	157	2	quarterly	quarterly	PROPN
gujaf-28	157	3	,	,	PUNCT
gujaf-28	157	4	13(3	13(3	NUM
gujaf-28	157	5	)	)	PUNCT
gujaf-28	157	6	,	,	PUNCT
gujaf-28	157	7	319	319	NUM
gujaf-28	157	8	-	-	SYM
gujaf-28	157	9	340	340	NUM
gujaf-28	157	10	.	.	PUNCT
gujaf-28	158	1	davis	davis	PROPN
gujaf-28	158	2	,	,	PUNCT
gujaf-28	158	3	f.	f.	PROPN
gujaf-28	158	4	d.	d.	PROPN
gujaf-28	158	5	,	,	PUNCT
gujaf-28	158	6	&	&	CCONJ
gujaf-28	158	7	venkatesh	venkatesh	PROPN
gujaf-28	158	8	,	,	PUNCT
gujaf-28	158	9	v.	v.	PROPN
gujaf-28	158	10	(	(	PUNCT
gujaf-28	158	11	2000	2000	NUM
gujaf-28	158	12	)	)	PUNCT
gujaf-28	158	13	.	.	PUNCT
gujaf-28	159	1	a	a	DET
gujaf-28	159	2	theoretical	theoretical	ADJ
gujaf-28	159	3	extension	extension	NOUN
gujaf-28	159	4	of	of	ADP
gujaf-28	159	5	the	the	DET
gujaf-28	159	6	technology	technology	NOUN
gujaf-28	159	7	acceptance	acceptance	NOUN
gujaf-28	159	8	model	model	NOUN
gujaf-28	159	9	:	:	PUNCT
gujaf-28	159	10	four	four	NUM
gujaf-28	159	11	longitudinal	longitudinal	ADJ
gujaf-28	159	12	field	field	NOUN
gujaf-28	159	13	studies	study	NOUN
gujaf-28	159	14	.	.	PUNCT
gujaf-28	160	1	management	management	NOUN
gujaf-28	160	2	science	science	NOUN
gujaf-28	160	3	,	,	PUNCT
gujaf-28	160	4	46(2	46(2	NOUN
gujaf-28	160	5	)	)	PUNCT
gujaf-28	160	6	,	,	PUNCT
gujaf-28	160	7	186	186	NUM
gujaf-28	160	8	-	-	SYM
gujaf-28	160	9	204	204	NUM
gujaf-28	160	10	gusau	gusau	ADJ
gujaf-28	160	11	journal	journal	NOUN
gujaf-28	160	12	of	of	ADP
gujaf-28	160	13	accounting	accounting	NOUN
gujaf-28	160	14	and	and	CCONJ
gujaf-28	160	15	finance	finance	NOUN
gujaf-28	160	16	,	,	PUNCT
gujaf-28	160	17	vol	vol	NOUN
gujaf-28	160	18	.	.	PUNCT
gujaf-28	161	1	i	i	PRON
gujaf-28	161	2	,	,	PUNCT
gujaf-28	161	3	issue	issue	NOUN
gujaf-28	161	4	2	2	NUM
gujaf-28	161	5	,	,	PUNCT
gujaf-28	161	6	october	october	PROPN
gujaf-28	161	7	,	,	PUNCT
gujaf-28	161	8	2020	2020	NUM
gujaf-28	161	9	14	14	NUM
gujaf-28	161	10	davis	davis	PROPN
gujaf-28	161	11	,	,	PUNCT
gujaf-28	161	12	j.	j.	PROPN
gujaf-28	161	13	,	,	PUNCT
gujaf-28	161	14	toxall	toxall	PROPN
gujaf-28	161	15	,	,	PUNCT
gujaf-28	161	16	g.	g.	PROPN
gujaf-28	161	17	r.	r.	PROPN
gujaf-28	161	18	,	,	PUNCT
gujaf-28	161	19	&	&	CCONJ
gujaf-28	161	20	pallister	pallister	PROPN
gujaf-28	161	21	,	,	PUNCT
gujaf-28	161	22	j.	j.	PROPN
gujaf-28	161	23	(	(	PUNCT
gujaf-28	161	24	2002	2002	NUM
gujaf-28	161	25	)	)	PUNCT
gujaf-28	161	26	.	.	PUNCT
gujaf-28	162	1	beyond	beyond	ADP
gujaf-28	162	2	the	the	DET
gujaf-28	162	3	intention	intention	NOUN
gujaf-28	162	4	-	-	PUNCT
gujaf-28	162	5	behaviour	behaviour	NOUN
gujaf-28	162	6	mythology	mythology	NOUN
gujaf-28	162	7	.	.	PUNCT
gujaf-28	163	1	an	an	DET
gujaf-28	163	2	integrated	integrated	ADJ
gujaf-28	163	3	model	model	NOUN
gujaf-28	163	4	of	of	ADP
gujaf-28	163	5	recycling	recycling	NOUN
gujaf-28	163	6	.	.	PUNCT
gujaf-28	164	1	marketing	marketing	NOUN
gujaf-28	164	2	theory	theory	NOUN
gujaf-28	164	3	,	,	PUNCT
gujaf-28	164	4	2(1	2(1	NUM
gujaf-28	164	5	)	)	PUNCT
gujaf-28	164	6	,	,	PUNCT
gujaf-28	164	7	29113	29113	NUM
gujaf-28	164	8	.	.	PUNCT
gujaf-28	165	1	dzombo	dzombo	PROPN
gujaf-28	165	2	,	,	PUNCT
gujaf-28	165	3	g.	g.	PROPN
gujaf-28	165	4	,	,	PUNCT
gujaf-28	165	5	kilika	kilika	PROPN
gujaf-28	165	6	,	,	PUNCT
gujaf-28	165	7	j.	j.	PROPN
gujaf-28	165	8	&	&	CCONJ
gujaf-28	165	9	maingi	maingi	PROPN
gujaf-28	165	10	,	,	PUNCT
gujaf-28	165	11	j.	j.	PROPN
gujaf-28	165	12	(	(	PUNCT
gujaf-28	165	13	2017	2017	NUM
gujaf-28	165	14	)	)	PUNCT
gujaf-28	165	15	.	.	PUNCT
gujaf-28	166	1	the	the	DET
gujaf-28	166	2	effect	effect	NOUN
gujaf-28	166	3	of	of	ADP
gujaf-28	166	4	branchless	branchless	ADJ
gujaf-28	166	5	banking	banking	NOUN
gujaf-28	166	6	strategy	strategy	NOUN
gujaf-28	166	7	on	on	ADP
gujaf-28	166	8	the	the	DET
gujaf-28	166	9	financial	financial	ADJ
gujaf-28	166	10	performance	performance	NOUN
gujaf-28	166	11	of	of	ADP
gujaf-28	166	12	commercial	commercial	ADJ
gujaf-28	166	13	banks	bank	NOUN
gujaf-28	166	14	in	in	ADP
gujaf-28	166	15	kenya	kenya	PROPN
gujaf-28	166	16	.	.	PUNCT
gujaf-28	167	1	international	international	ADJ
gujaf-28	167	2	journal	journal	PROPN
gujaf-28	167	3	of	of	ADP
gujaf-28	167	4	financial	financial	ADJ
gujaf-28	167	5	research	research	NOUN
gujaf-28	167	6	,	,	PUNCT
gujaf-28	167	7	8(4	8(4	NUM
gujaf-28	167	8	)	)	PUNCT
gujaf-28	167	9	,	,	PUNCT
gujaf-28	167	10	167	167	NUM
gujaf-28	167	11	-	-	SYM
gujaf-28	167	12	183	183	NUM
gujaf-28	167	13	.	.	PUNCT
gujaf-28	168	1	enhancing	enhance	VERB
gujaf-28	168	2	financial	financial	ADJ
gujaf-28	168	3	innovation	innovation	NOUN
gujaf-28	168	4	&	&	CCONJ
gujaf-28	168	5	access	access	NOUN
gujaf-28	168	6	(	(	PUNCT
gujaf-28	168	7	efina	efina	PROPN
gujaf-28	168	8	)	)	PUNCT
gujaf-28	168	9	(	(	PUNCT
gujaf-28	168	10	2020	2020	NUM
gujaf-28	168	11	)	)	PUNCT
gujaf-28	168	12	innovation	innovation	NOUN
gujaf-28	168	13	forum	forum	NOUN
gujaf-28	168	14	:	:	PUNCT
gujaf-28	168	15	deepening	deepen	VERB
gujaf-28	168	16	financial	financial	ADJ
gujaf-28	168	17	inclusion	inclusion	NOUN
gujaf-28	168	18	through	through	ADP
gujaf-28	168	19	agent	agent	NOUN
gujaf-28	168	20	banking	banking	NOUN
gujaf-28	168	21	,	,	PUNCT
gujaf-28	168	22	key	key	ADJ
gujaf-28	168	23	findings	finding	NOUN
gujaf-28	168	24	from	from	ADP
gujaf-28	168	25	an	an	DET
gujaf-28	168	26	agent	agent	NOUN
gujaf-28	168	27	banking	banking	NOUN
gujaf-28	168	28	project	project	NOUN
gujaf-28	168	29	funded	fund	VERB
gujaf-28	168	30	by	by	ADP
gujaf-28	168	31	efina	efina	PROPN
gujaf-28	168	32	,	,	PUNCT
gujaf-28	168	33	january	january	PROPN
gujaf-28	168	34	27	27	NUM
gujaf-28	168	35	,	,	PUNCT
gujaf-28	168	36	2020	2020	NUM
gujaf-28	168	37	.	.	PUNCT
gujaf-28	169	1	gabor	gabor	PROPN
gujaf-28	169	2	,	,	PUNCT
gujaf-28	169	3	d.	d.	PROPN
gujaf-28	169	4	,	,	PUNCT
gujaf-28	169	5	&	&	CCONJ
gujaf-28	169	6	brooks	brooks	PROPN
gujaf-28	169	7	,	,	PUNCT
gujaf-28	169	8	s.	s.	PROPN
gujaf-28	169	9	(	(	PUNCT
gujaf-28	169	10	2016	2016	NUM
gujaf-28	169	11	)	)	PUNCT
gujaf-28	169	12	.	.	PUNCT
gujaf-28	170	1	the	the	DET
gujaf-28	170	2	digital	digital	PROPN
gujaf-28	170	3	revolution	revolution	NOUN
gujaf-28	170	4	in	in	ADP
gujaf-28	170	5	financial	financial	ADJ
gujaf-28	170	6	inclusion	inclusion	NOUN
gujaf-28	170	7	:	:	PUNCT
gujaf-28	170	8	international	international	ADJ
gujaf-28	170	9	development	development	NOUN
gujaf-28	170	10	in	in	ADP
gujaf-28	170	11	the	the	DET
gujaf-28	170	12	fintech	fintech	NOUN
gujaf-28	170	13	era	era	NOUN
gujaf-28	170	14	.	.	PUNCT
gujaf-28	171	1	new	new	ADJ
gujaf-28	171	2	political	political	ADJ
gujaf-28	171	3	economy	economy	NOUN
gujaf-28	171	4	,	,	PUNCT
gujaf-28	171	5	22(4	22(4	NUM
gujaf-28	171	6	)	)	PUNCT
gujaf-28	171	7	,	,	PUNCT
gujaf-28	171	8	423	423	NUM
gujaf-28	171	9	-	-	SYM
gujaf-28	171	10	436	436	NUM
gujaf-28	171	11	.	.	PUNCT
gujaf-28	172	1	jayo	jayo	PROPN
gujaf-28	172	2	,	,	PUNCT
gujaf-28	172	3	m.	m.	NOUN
gujaf-28	172	4	,	,	PUNCT
gujaf-28	172	5	eduardo	eduardo	PROPN
gujaf-28	172	6	,	,	PUNCT
gujaf-28	172	7	h.	h.	PROPN
gujaf-28	172	8	,	,	PUNCT
gujaf-28	172	9	felipe	felipe	PROPN
gujaf-28	172	10	z.	z.	PROPN
gujaf-28	172	11	d.	d.	PROPN
gujaf-28	172	12	,	,	PUNCT
gujaf-28	172	13	&	&	CCONJ
gujaf-28	172	14	christopoulos	christopoulos	PROPN
gujaf-28	172	15	,	,	PUNCT
gujaf-28	172	16	t.	t.	PROPN
gujaf-28	172	17	p.	p.	PROPN
gujaf-28	172	18	(	(	PUNCT
gujaf-28	172	19	2012	2012	NUM
gujaf-28	172	20	)	)	PUNCT
gujaf-28	172	21	.	.	PUNCT
gujaf-28	173	1	groups	group	NOUN
gujaf-28	173	2	of	of	ADP
gujaf-28	173	3	services	service	NOUN
gujaf-28	173	4	delivered	deliver	VERB
gujaf-28	173	5	by	by	ADP
gujaf-28	173	6	brazilian	brazilian	ADJ
gujaf-28	173	7	branchless	branchless	NOUN
gujaf-28	173	8	banking	banking	NOUN
gujaf-28	173	9	and	and	CCONJ
gujaf-28	173	10	respective	respective	ADJ
gujaf-28	173	11	network	network	NOUN
gujaf-28	173	12	integration	integration	NOUN
gujaf-28	173	13	models	model	NOUN
gujaf-28	173	14	.	.	PUNCT
gujaf-28	174	1	electronic	electronic	ADJ
gujaf-28	174	2	commerce	commerce	NOUN
gujaf-28	174	3	research	research	NOUN
gujaf-28	174	4	and	and	CCONJ
gujaf-28	174	5	applications	application	NOUN
gujaf-28	174	6	,	,	PUNCT
gujaf-28	174	7	11(5	11(5	NUM
gujaf-28	174	8	)	)	PUNCT
gujaf-28	174	9	,	,	PUNCT
gujaf-28	174	10	504	504	NUM
gujaf-28	174	11	-	-	SYM
gujaf-28	174	12	517	517	NUM
gujaf-28	174	13	.	.	PUNCT
gujaf-28	175	1	kemoli	kemoli	NOUN
gujaf-28	175	2	,	,	PUNCT
gujaf-28	175	3	p.	p.	NOUN
gujaf-28	175	4	(	(	PUNCT
gujaf-28	175	5	2012	2012	NUM
gujaf-28	175	6	)	)	PUNCT
gujaf-28	175	7	.	.	PUNCT
gujaf-28	176	1	the	the	DET
gujaf-28	176	2	extent	extent	NOUN
gujaf-28	176	3	of	of	ADP
gujaf-28	176	4	implementation	implementation	NOUN
gujaf-28	176	5	of	of	ADP
gujaf-28	176	6	agency	agency	NOUN
gujaf-28	176	7	banking	banking	NOUN
gujaf-28	176	8	among	among	ADP
gujaf-28	176	9	commercial	commercial	ADJ
gujaf-28	176	10	banks	bank	NOUN
gujaf-28	176	11	in	in	ADP
gujaf-28	176	12	kenya	kenya	PROPN
gujaf-28	176	13	.	.	PUNCT
gujaf-28	177	1	mba	mba	NOUN
gujaf-28	177	2	project	project	NOUN
gujaf-28	177	3	,	,	PUNCT
gujaf-28	177	4	university	university	NOUN
gujaf-28	177	5	of	of	ADP
gujaf-28	177	6	nairobi	nairobi	PROPN
gujaf-28	177	7	.	.	PUNCT
gujaf-28	178	1	khadka	khadka	PROPN
gujaf-28	178	2	k.	k.	PROPN
gujaf-28	178	3	,	,	PUNCT
gujaf-28	178	4	&	&	CCONJ
gujaf-28	178	5	maharjan	maharjan	PROPN
gujaf-28	178	6	,	,	PUNCT
gujaf-28	178	7	s.	s.	PROPN
gujaf-28	178	8	(	(	PUNCT
gujaf-28	178	9	2017	2017	NUM
gujaf-28	178	10	)	)	PUNCT
gujaf-28	178	11	.	.	PUNCT
gujaf-28	179	1	customer	customer	NOUN
gujaf-28	179	2	satisfaction	satisfaction	NOUN
gujaf-28	179	3	and	and	CCONJ
gujaf-28	179	4	customer	customer	NOUN
gujaf-28	179	5	loyalty	loyalty	NOUN
gujaf-28	179	6	.	.	PUNCT
gujaf-28	180	1	jakobstad	jakobstad	PROPN
gujaf-28	180	2	:	:	PUNCT
gujaf-28	181	1	centria	centria	PROPN
gujaf-28	181	2	university	university	PROPN
gujaf-28	181	3	of	of	ADP
gujaf-28	181	4	applied	apply	VERB
gujaf-28	181	5	sciences	science	NOUN
gujaf-28	181	6	.	.	PUNCT
gujaf-28	182	1	lotto	lotto	NOUN
gujaf-28	182	2	,	,	PUNCT
gujaf-28	182	3	j.	j.	PROPN
gujaf-28	182	4	(	(	PUNCT
gujaf-28	182	5	2016	2016	NUM
gujaf-28	182	6	)	)	PUNCT
gujaf-28	182	7	.	.	PUNCT
gujaf-28	183	1	the	the	DET
gujaf-28	183	2	role	role	NOUN
gujaf-28	183	3	of	of	ADP
gujaf-28	183	4	agency	agency	NOUN
gujaf-28	183	5	banking	banking	NOUN
gujaf-28	183	6	in	in	ADP
gujaf-28	183	7	promoting	promote	VERB
gujaf-28	183	8	financial	financial	ADJ
gujaf-28	183	9	inclusion	inclusion	NOUN
gujaf-28	183	10	:	:	PUNCT
gujaf-28	183	11	descriptive	descriptive	ADJ
gujaf-28	183	12	analytical	analytical	ADJ
gujaf-28	183	13	evidence	evidence	NOUN
gujaf-28	183	14	from	from	ADP
gujaf-28	183	15	tanzania	tanzania	PROPN
gujaf-28	183	16	.	.	PUNCT
gujaf-28	184	1	european	european	PROPN
gujaf-28	184	2	journal	journal	PROPN
gujaf-28	184	3	of	of	ADP
gujaf-28	184	4	business	business	NOUN
gujaf-28	184	5	and	and	CCONJ
gujaf-28	184	6	management	management	NOUN
gujaf-28	184	7	,	,	PUNCT
gujaf-28	184	8	8(22	8(22	NUM
gujaf-28	184	9	)	)	PUNCT
gujaf-28	184	10	,	,	PUNCT
gujaf-28	184	11	231	231	NUM
gujaf-28	184	12	-	-	SYM
gujaf-28	184	13	240	240	NUM
gujaf-28	184	14	.	.	PUNCT
gujaf-28	185	1	mbugua	mbugua	PROPN
gujaf-28	185	2	,	,	PUNCT
gujaf-28	185	3	s.	s.	PROPN
gujaf-28	185	4	(	(	PUNCT
gujaf-28	185	5	2015	2015	NUM
gujaf-28	185	6	)	)	PUNCT
gujaf-28	185	7	.	.	PUNCT
gujaf-28	186	1	role	role	NOUN
gujaf-28	186	2	of	of	ADP
gujaf-28	186	3	agent	agent	NOUN
gujaf-28	186	4	banking	banking	NOUN
gujaf-28	186	5	services	service	NOUN
gujaf-28	186	6	in	in	ADP
gujaf-28	186	7	promotion	promotion	NOUN
gujaf-28	186	8	of	of	ADP
gujaf-28	186	9	financial	financial	ADJ
gujaf-28	186	10	inclusion	inclusion	NOUN
gujaf-28	186	11	in	in	ADP
gujaf-28	186	12	nyeri	nyeri	ADJ
gujaf-28	186	13	town	town	NOUN
gujaf-28	186	14	kenya	kenya	PROPN
gujaf-28	186	15	.	.	PUNCT
gujaf-28	187	1	research	research	PROPN
gujaf-28	187	2	journal	journal	PROPN
gujaf-28	187	3	of	of	ADP
gujaf-28	187	4	finance	finance	NOUN
gujaf-28	187	5	and	and	CCONJ
gujaf-28	187	6	accounting	accounting	NOUN
gujaf-28	187	7	,	,	PUNCT
gujaf-28	187	8	6(3	6(3	NUM
gujaf-28	187	9	)	)	PUNCT
gujaf-28	187	10	,	,	PUNCT
gujaf-28	187	11	2222	2222	NUM
gujaf-28	187	12	-	-	SYM
gujaf-28	187	13	2847	2847	NUM
gujaf-28	187	14	.	.	PUNCT
gujaf-28	188	1	muthoka	muthoka	PROPN
gujaf-28	188	2	,	,	PUNCT
gujaf-28	188	3	n.	n.	PROPN
gujaf-28	188	4	i.	i.	PROPN
gujaf-28	188	5	,	,	PUNCT
gujaf-28	188	6	oluoch	oluoch	ADV
gujaf-28	188	7	,	,	PUNCT
gujaf-28	188	8	o.	o.	PROPN
gujaf-28	188	9	,	,	PUNCT
gujaf-28	188	10	&	&	CCONJ
gujaf-28	188	11	muiruri	muiruri	PROPN
gujaf-28	188	12	,	,	PUNCT
gujaf-28	188	13	p.	p.	NOUN
gujaf-28	188	14	m.	m.	NOUN
gujaf-28	188	15	(	(	PUNCT
gujaf-28	188	16	2018	2018	NUM
gujaf-28	188	17	)	)	PUNCT
gujaf-28	188	18	.	.	PUNCT
gujaf-28	189	1	the	the	DET
gujaf-28	189	2	impact	impact	NOUN
gujaf-28	189	3	of	of	ADP
gujaf-28	189	4	agency	agency	NOUN
gujaf-28	189	5	banking	banking	NOUN
gujaf-28	189	6	financial	financial	ADJ
gujaf-28	189	7	innovation	innovation	NOUN
gujaf-28	189	8	on	on	ADP
gujaf-28	189	9	market	market	NOUN
gujaf-28	189	10	capitalization	capitalization	NOUN
gujaf-28	189	11	of	of	ADP
gujaf-28	189	12	commercial	commercial	ADJ
gujaf-28	189	13	banks	bank	NOUN
gujaf-28	189	14	listed	list	VERB
gujaf-28	189	15	in	in	ADP
gujaf-28	189	16	nse	nse	NOUN
gujaf-28	189	17	,	,	PUNCT
gujaf-28	189	18	kenya	kenya	PROPN
gujaf-28	189	19	.	.	PUNCT
gujaf-28	190	1	international	international	ADJ
gujaf-28	190	2	journal	journal	PROPN
gujaf-28	190	3	of	of	ADP
gujaf-28	190	4	academic	academic	ADJ
gujaf-28	190	5	research	research	NOUN
gujaf-28	190	6	in	in	ADP
gujaf-28	190	7	accounting	accounting	NOUN
gujaf-28	190	8	,	,	PUNCT
gujaf-28	190	9	finance	finance	NOUN
gujaf-28	190	10	and	and	CCONJ
gujaf-28	190	11	management	management	NOUN
gujaf-28	190	12	sciences	science	NOUN
gujaf-28	190	13	,	,	PUNCT
gujaf-28	190	14	8(4	8(4	NUM
gujaf-28	190	15	)	)	PUNCT
gujaf-28	190	16	,	,	PUNCT
gujaf-28	190	17	110	110	NUM
gujaf-28	190	18	-	-	SYM
gujaf-28	190	19	119	119	NUM
gujaf-28	190	20	.	.	PUNCT
gujaf-28	191	1	munoru	munoru	NOUN
gujaf-28	191	2	,	,	PUNCT
gujaf-28	191	3	m.	m.	PROPN
gujaf-28	191	4	k.	k.	PROPN
gujaf-28	191	5	(	(	PUNCT
gujaf-28	191	6	2016	2016	NUM
gujaf-28	191	7	)	)	PUNCT
gujaf-28	191	8	.	.	PUNCT
gujaf-28	192	1	effect	effect	NOUN
gujaf-28	192	2	of	of	ADP
gujaf-28	192	3	agency	agency	NOUN
gujaf-28	192	4	banking	banking	NOUN
gujaf-28	192	5	on	on	ADP
gujaf-28	192	6	financial	financial	ADJ
gujaf-28	192	7	inclusion	inclusion	NOUN
gujaf-28	192	8	in	in	ADP
gujaf-28	192	9	kenya	kenya	PROPN
gujaf-28	192	10	.	.	PUNCT
gujaf-28	193	1	international	international	ADJ
gujaf-28	193	2	journal	journal	PROPN
gujaf-28	193	3	of	of	ADP
gujaf-28	193	4	science	science	NOUN
gujaf-28	193	5	and	and	CCONJ
gujaf-28	193	6	research	research	NOUN
gujaf-28	193	7	,	,	PUNCT
gujaf-28	193	8	7	7	NUM
gujaf-28	193	9	,	,	PUNCT
gujaf-28	193	10	6	6	NUM
gujaf-28	193	11	-	-	SYM
gujaf-28	193	12	14	14	NUM
gujaf-28	193	13	.	.	PUNCT
gujaf-28	194	1	muoria	muoria	PROPN
gujaf-28	194	2	,	,	PUNCT
gujaf-28	194	3	e.	e.	PROPN
gujaf-28	194	4	t.	t.	PROPN
gujaf-28	194	5	,	,	PUNCT
gujaf-28	194	6	&	&	CCONJ
gujaf-28	194	7	moronge	moronge	PROPN
gujaf-28	194	8	,	,	PUNCT
gujaf-28	194	9	m.	m.	NOUN
gujaf-28	194	10	(	(	PUNCT
gujaf-28	194	11	2018	2018	NUM
gujaf-28	194	12	)	)	PUNCT
gujaf-28	194	13	.	.	PUNCT
gujaf-28	195	1	effect	effect	NOUN
gujaf-28	195	2	of	of	ADP
gujaf-28	195	3	agency	agency	NOUN
gujaf-28	195	4	banking	banking	NOUN
gujaf-28	195	5	adoption	adoption	NOUN
gujaf-28	195	6	on	on	ADP
gujaf-28	195	7	customer	customer	NOUN
gujaf-28	195	8	retention	retention	NOUN
gujaf-28	195	9	in	in	ADP
gujaf-28	195	10	kcb	kcb	PROPN
gujaf-28	195	11	bank	bank	PROPN
gujaf-28	195	12	:	:	PUNCT
gujaf-28	195	13	a	a	DET
gujaf-28	195	14	case	case	NOUN
gujaf-28	195	15	study	study	NOUN
gujaf-28	195	16	of	of	ADP
gujaf-28	195	17	kiambu	kiambu	PROPN
gujaf-28	195	18	county	county	PROPN
gujaf-28	195	19	,	,	PUNCT
gujaf-28	195	20	kenya	kenya	PROPN
gujaf-28	195	21	.	.	PUNCT
gujaf-28	196	1	the	the	DET
gujaf-28	196	2	strategic	strategic	ADJ
gujaf-28	196	3	journal	journal	NOUN
gujaf-28	196	4	of	of	ADP
gujaf-28	196	5	business	business	PROPN
gujaf-28	196	6	&	&	CCONJ
gujaf-28	196	7	change	change	PROPN
gujaf-28	196	8	management	management	NOUN
gujaf-28	196	9	,	,	PUNCT
gujaf-28	196	10	5(4	5(4	NUM
gujaf-28	196	11	)	)	PUNCT
gujaf-28	196	12	,	,	PUNCT
gujaf-28	196	13	215	215	NUM
gujaf-28	196	14	-	-	SYM
gujaf-28	196	15	232	232	NUM
gujaf-28	196	16	.	.	PUNCT
gujaf-28	197	1	naseem	naseem	PROPN
gujaf-28	197	2	,	,	PUNCT
gujaf-28	197	3	k.	k.	PROPN
gujaf-28	197	4	(	(	PUNCT
gujaf-28	197	5	2017	2017	NUM
gujaf-28	197	6	)	)	PUNCT
gujaf-28	197	7	.	.	PUNCT
gujaf-28	198	1	why	why	SCONJ
gujaf-28	198	2	digital	digital	ADJ
gujaf-28	198	3	banking	banking	NOUN
gujaf-28	198	4	services	service	NOUN
gujaf-28	198	5	are	be	AUX
gujaf-28	198	6	vital	vital	ADJ
gujaf-28	198	7	to	to	PART
gujaf-28	198	8	reduce	reduce	VERB
gujaf-28	198	9	poverty	poverty	NOUN
gujaf-28	198	10	in	in	ADP
gujaf-28	198	11	the	the	DET
gujaf-28	198	12	developing	develop	VERB
gujaf-28	198	13	world	world	NOUN
gujaf-28	198	14	.	.	PUNCT
gujaf-28	199	1	retrieved	retrieve	VERB
gujaf-28	199	2	from	from	ADP
gujaf-28	199	3	medium	medium	ADJ
gujaf-28	199	4	:	:	PUNCT
gujaf-28	199	5	https://medium.com/@ifc_org/why-digital-banking-services-arevital-toreduce-poverty-in-the-developing-world-35ac35758f04	https://medium.com/@ifc_org/why-digital-banking-services-arevital-toreduce-poverty-in-the-developing-world-35ac35758f04	NOUN
gujaf-28	199	6	.	.	PUNCT
gujaf-28	200	1	national	national	PROPN
gujaf-28	200	2	bureau	bureau	PROPN
gujaf-28	200	3	of	of	ADP
gujaf-28	200	4	statistic	statistic	PROPN
gujaf-28	200	5	(	(	PUNCT
gujaf-28	200	6	2016	2016	NUM
gujaf-28	200	7	)	)	PUNCT
gujaf-28	200	8	.	.	PUNCT
gujaf-28	201	1	https://www.nigerianstat.gov.ng/	https://www.nigerianstat.gov.ng/	ADJ
gujaf-28	201	2	https://medium.com/@ifc_org/why-digital-banking-services-arevital-to-reduce-poverty-in-the-developing-world-35ac35758f04	https://medium.com/@ifc_org/why-digital-banking-services-arevital-to-reduce-poverty-in-the-developing-world-35ac35758f04	NOUN
gujaf-28	201	3	https://medium.com/@ifc_org/why-digital-banking-services-arevital-to-reduce-poverty-in-the-developing-world-35ac35758f04	https://medium.com/@ifc_org/why-digital-banking-services-arevital-to-reduce-poverty-in-the-developing-world-35ac35758f04	NOUN
gujaf-28	201	4	gusau	gusau	PROPN
gujaf-28	201	5	journal	journal	NOUN
gujaf-28	201	6	of	of	ADP
gujaf-28	201	7	accounting	accounting	NOUN
gujaf-28	201	8	and	and	CCONJ
gujaf-28	201	9	finance	finance	NOUN
gujaf-28	201	10	,	,	PUNCT
gujaf-28	201	11	vol	vol	NOUN
gujaf-28	201	12	.	.	PUNCT
gujaf-28	202	1	i	i	PRON
gujaf-28	202	2	,	,	PUNCT
gujaf-28	202	3	issue	issue	NOUN
gujaf-28	202	4	2	2	NUM
gujaf-28	202	5	,	,	PUNCT
gujaf-28	202	6	october	october	PROPN
gujaf-28	202	7	,	,	PUNCT
gujaf-28	202	8	2020	2020	NUM
gujaf-28	202	9	15	15	NUM
gujaf-28	202	10	national	national	ADJ
gujaf-28	202	11	financial	financial	ADJ
gujaf-28	202	12	inclusion	inclusion	NOUN
gujaf-28	202	13	strategy	strategy	NOUN
gujaf-28	202	14	(	(	PUNCT
gujaf-28	202	15	nfis	nfis	NOUN
gujaf-28	202	16	)	)	PUNCT
gujaf-28	202	17	report	report	NOUN
gujaf-28	202	18	(	(	PUNCT
gujaf-28	202	19	2019	2019	NUM
gujaf-28	202	20	)	)	PUNCT
gujaf-28	202	21	.	.	PUNCT
gujaf-28	203	1	central	central	PROPN
gujaf-28	203	2	bank	bank	PROPN
gujaf-28	203	3	of	of	ADP
gujaf-28	203	4	nigeria	nigeria	PROPN
gujaf-28	203	5	annual	annual	ADJ
gujaf-28	203	6	economic	economic	ADJ
gujaf-28	203	7	report	report	NOUN
gujaf-28	203	8	–	–	PUNCT
gujaf-28	203	9	2019	2019	NUM
gujaf-28	203	10	.	.	PUNCT
gujaf-28	204	1	abuja	abuja	PROPN
gujaf-28	204	2	:	:	PUNCT
gujaf-28	204	3	central	central	ADJ
gujaf-28	204	4	bank	bank	PROPN
gujaf-28	204	5	of	of	ADP
gujaf-28	204	6	nigeria	nigeria	PROPN
gujaf-28	204	7	.	.	PUNCT
gujaf-28	205	1	ndegwa	ndegwa	PROPN
gujaf-28	205	2	,	,	PUNCT
gujaf-28	205	3	p.	p.	NOUN
gujaf-28	205	4	(	(	PUNCT
gujaf-28	205	5	2017	2017	NUM
gujaf-28	205	6	)	)	PUNCT
gujaf-28	205	7	.	.	PUNCT
gujaf-28	206	1	an	an	DET
gujaf-28	206	2	analysis	analysis	NOUN
gujaf-28	206	3	of	of	ADP
gujaf-28	206	4	the	the	DET
gujaf-28	206	5	effectiveness	effectiveness	NOUN
gujaf-28	206	6	of	of	ADP
gujaf-28	206	7	agency	agency	NOUN
gujaf-28	206	8	banking	banking	NOUN
gujaf-28	206	9	as	as	ADP
gujaf-28	206	10	a	a	DET
gujaf-28	206	11	financial	financial	ADJ
gujaf-28	206	12	inclusion	inclusion	NOUN
gujaf-28	206	13	strategy	strategy	NOUN
gujaf-28	206	14	in	in	ADP
gujaf-28	206	15	commercial	commercial	ADJ
gujaf-28	206	16	banks	bank	NOUN
gujaf-28	206	17	(	(	PUNCT
gujaf-28	206	18	a	a	DET
gujaf-28	206	19	survey	survey	NOUN
gujaf-28	206	20	of	of	ADP
gujaf-28	206	21	selected	select	VERB
gujaf-28	206	22	commercial	commercial	ADJ
gujaf-28	206	23	banks	bank	NOUN
gujaf-28	206	24	in	in	ADP
gujaf-28	206	25	kiambu	kiambu	PROPN
gujaf-28	206	26	town	town	NOUN
gujaf-28	206	27	)	)	PUNCT
gujaf-28	206	28	.	.	PUNCT
gujaf-28	207	1	international	international	ADJ
gujaf-28	207	2	journal	journal	PROPN
gujaf-28	207	3	of	of	ADP
gujaf-28	207	4	business	business	NOUN
gujaf-28	207	5	and	and	CCONJ
gujaf-28	207	6	management	management	NOUN
gujaf-28	207	7	invention	invention	NOUN
gujaf-28	207	8	,	,	PUNCT
gujaf-28	207	9	6(8	6(8	NUM
gujaf-28	207	10	)	)	PUNCT
gujaf-28	207	11	,	,	PUNCT
gujaf-28	207	12	67	67	NUM
gujaf-28	207	13	-	-	SYM
gujaf-28	207	14	75	75	NUM
gujaf-28	207	15	.	.	PUNCT
gujaf-28	208	1	ngumi	ngumi	PROPN
gujaf-28	208	2	,	,	PUNCT
gujaf-28	208	3	p.	p.	NOUN
gujaf-28	208	4	m.	m.	NOUN
gujaf-28	208	5	(	(	PUNCT
gujaf-28	208	6	2013	2013	NUM
gujaf-28	208	7	)	)	PUNCT
gujaf-28	208	8	.	.	PUNCT
gujaf-28	209	1	effect	effect	NOUN
gujaf-28	209	2	of	of	ADP
gujaf-28	209	3	bank	bank	NOUN
gujaf-28	209	4	innovations	innovation	NOUN
gujaf-28	209	5	on	on	ADP
gujaf-28	209	6	financial	financial	ADJ
gujaf-28	209	7	performance	performance	NOUN
gujaf-28	209	8	of	of	ADP
gujaf-28	209	9	commercial	commercial	ADJ
gujaf-28	209	10	banks	bank	NOUN
gujaf-28	209	11	in	in	ADP
gujaf-28	209	12	kenya	kenya	PROPN
gujaf-28	209	13	(	(	PUNCT
gujaf-28	209	14	doctoral	doctoral	ADJ
gujaf-28	209	15	dissertation	dissertation	NOUN
gujaf-28	209	16	)	)	PUNCT
gujaf-28	209	17	.	.	PUNCT
gujaf-28	210	1	nkiru	nkiru	PROPN
gujaf-28	210	2	,	,	PUNCT
gujaf-28	210	3	s.	s.	PROPN
gujaf-28	210	4	d.	d.	PROPN
gujaf-28	210	5	,	,	PUNCT
gujaf-28	210	6	ofobruku	ofobruku	PROPN
gujaf-28	210	7	,	,	PUNCT
gujaf-28	210	8	a.	a.	PROPN
gujaf-28	210	9	j.	j.	PROPN
gujaf-28	210	10	,	,	PUNCT
gujaf-28	210	11	&	&	CCONJ
gujaf-28	210	12	sidi	sidi	PROPN
gujaf-28	210	13	,	,	PUNCT
gujaf-28	210	14	m.	m.	NOUN
gujaf-28	210	15	a.	a.	NOUN
gujaf-28	210	16	(	(	PUNCT
gujaf-28	210	17	2018	2018	NUM
gujaf-28	210	18	)	)	PUNCT
gujaf-28	210	19	.	.	PUNCT
gujaf-28	211	1	effects	effect	NOUN
gujaf-28	211	2	of	of	ADP
gujaf-28	211	3	agency	agency	NOUN
gujaf-28	211	4	banking	banking	NOUN
gujaf-28	211	5	on	on	ADP
gujaf-28	211	6	bank	bank	NOUN
gujaf-28	211	7	performance	performance	NOUN
gujaf-28	211	8	:	:	PUNCT
gujaf-28	211	9	a	a	DET
gujaf-28	211	10	case	case	NOUN
gujaf-28	211	11	of	of	ADP
gujaf-28	211	12	equity	equity	PROPN
gujaf-28	211	13	bank	bank	PROPN
gujaf-28	211	14	meru	meru	PROPN
gujaf-28	211	15	branch	branch	PROPN
gujaf-28	211	16	,	,	PUNCT
gujaf-28	211	17	kenya	kenya	PROPN
gujaf-28	211	18	.	.	PUNCT
gujaf-28	212	1	business	business	NOUN
gujaf-28	212	2	and	and	CCONJ
gujaf-28	212	3	economic	economic	ADJ
gujaf-28	212	4	research	research	NOUN
gujaf-28	212	5	,	,	PUNCT
gujaf-28	212	6	macrothink	macrothink	PROPN
gujaf-28	212	7	institute	institute	PROPN
gujaf-28	212	8	,	,	PUNCT
gujaf-28	212	9	8(4	8(4	NUM
gujaf-28	212	10	)	)	PUNCT
gujaf-28	212	11	,	,	PUNCT
gujaf-28	212	12	100	100	NUM
gujaf-28	212	13	-	-	SYM
gujaf-28	212	14	108	108	NUM
gujaf-28	212	15	.	.	PUNCT
gujaf-28	213	1	nyangosi	nyangosi	PROPN
gujaf-28	213	2	,	,	PUNCT
gujaf-28	213	3	r.	r.	PROPN
gujaf-28	213	4	,	,	PUNCT
gujaf-28	213	5	nyangau	nyangau	NOUN
gujaf-28	213	6	,	,	PUNCT
gujaf-28	213	7	s.	s.	PROPN
gujaf-28	213	8	n.	n.	PROPN
gujaf-28	213	9	,	,	PUNCT
gujaf-28	213	10	nyariki	nyariki	PROPN
gujaf-28	213	11	,	,	PUNCT
gujaf-28	213	12	k.	k.	PROPN
gujaf-28	213	13	o.	o.	PROPN
gujaf-28	213	14	,	,	PUNCT
gujaf-28	213	15	&	&	CCONJ
gujaf-28	213	16	nyangau	nyangau	NOUN
gujaf-28	213	17	,	,	PUNCT
gujaf-28	213	18	a.	a.	PROPN
gujaf-28	213	19	s.	s.	PROPN
gujaf-28	213	20	(	(	PUNCT
gujaf-28	213	21	2014	2014	NUM
gujaf-28	213	22	)	)	PUNCT
gujaf-28	213	23	.	.	PUNCT
gujaf-28	214	1	digitizing	digitize	VERB
gujaf-28	214	2	banking	banking	NOUN
gujaf-28	214	3	services	service	NOUN
gujaf-28	214	4	:	:	PUNCT
gujaf-28	214	5	an	an	DET
gujaf-28	214	6	empirical	empirical	ADJ
gujaf-28	214	7	analysis	analysis	NOUN
gujaf-28	214	8	of	of	ADP
gujaf-28	214	9	customer	customer	NOUN
gujaf-28	214	10	’s	’s	PART
gujaf-28	214	11	adoption	adoption	NOUN
gujaf-28	214	12	and	and	CCONJ
gujaf-28	214	13	usage	usage	NOUN
gujaf-28	214	14	.	.	PUNCT
gujaf-28	215	1	research	research	NOUN
gujaf-28	215	2	journal	journal	PROPN
gujaf-28	215	3	of	of	ADP
gujaf-28	215	4	finance	finance	NOUN
gujaf-28	215	5	and	and	CCONJ
gujaf-28	215	6	accounting	accounting	NOUN
gujaf-28	215	7	,	,	PUNCT
gujaf-28	215	8	5(8	5(8	NUM
gujaf-28	215	9	)	)	PUNCT
gujaf-28	215	10	,	,	PUNCT
gujaf-28	215	11	47	47	NUM
gujaf-28	215	12	-	-	SYM
gujaf-28	215	13	53	53	NUM
gujaf-28	215	14	.	.	PUNCT
gujaf-28	216	1	nyota	nyota	PROPN
gujaf-28	216	2	,	,	PUNCT
gujaf-28	216	3	j.	j.	PROPN
gujaf-28	216	4	,	,	PUNCT
gujaf-28	216	5	&	&	CCONJ
gujaf-28	216	6	muturi	muturi	PROPN
gujaf-28	216	7	,	,	PUNCT
gujaf-28	216	8	w.	w.	PROPN
gujaf-28	216	9	(	(	PUNCT
gujaf-28	216	10	2019	2019	NUM
gujaf-28	216	11	)	)	PUNCT
gujaf-28	216	12	.	.	PUNCT
gujaf-28	217	1	effect	effect	NOUN
gujaf-28	217	2	of	of	ADP
gujaf-28	217	3	agency	agency	NOUN
gujaf-28	217	4	banking	banking	NOUN
gujaf-28	217	5	features	feature	VERB
gujaf-28	217	6	on	on	ADP
gujaf-28	217	7	the	the	DET
gujaf-28	217	8	financial	financial	ADJ
gujaf-28	217	9	performance	performance	NOUN
gujaf-28	217	10	of	of	ADP
gujaf-28	217	11	commercial	commercial	ADJ
gujaf-28	217	12	banks	bank	NOUN
gujaf-28	217	13	in	in	ADP
gujaf-28	217	14	kenya	kenya	PROPN
gujaf-28	217	15	:	:	PUNCT
gujaf-28	217	16	a	a	DET
gujaf-28	217	17	case	case	NOUN
gujaf-28	217	18	of	of	ADP
gujaf-28	217	19	equity	equity	NOUN
gujaf-28	217	20	bank	bank	PROPN
gujaf-28	217	21	,	,	PUNCT
gujaf-28	217	22	kisii	kisii	PROPN
gujaf-28	217	23	,	,	PUNCT
gujaf-28	217	24	nyamira	nyamira	PROPN
gujaf-28	217	25	and	and	CCONJ
gujaf-28	217	26	keroka	keroka	PROPN
gujaf-28	217	27	branches	branch	NOUN
gujaf-28	217	28	–	–	PUNCT
gujaf-28	217	29	kenya	kenya	NOUN
gujaf-28	217	30	.	.	PUNCT
gujaf-28	218	1	international	international	ADJ
gujaf-28	218	2	journal	journal	PROPN
gujaf-28	218	3	of	of	ADP
gujaf-28	218	4	economics	economic	NOUN
gujaf-28	218	5	,	,	PUNCT
gujaf-28	218	6	commerce	commerce	NOUN
gujaf-28	218	7	and	and	CCONJ
gujaf-28	218	8	management	management	NOUN
gujaf-28	218	9	,	,	PUNCT
gujaf-28	218	10	7(11	7(11	NUM
gujaf-28	218	11	)	)	PUNCT
gujaf-28	218	12	,	,	PUNCT
gujaf-28	218	13	646	646	NUM
gujaf-28	218	14	-	-	SYM
gujaf-28	218	15	662	662	NUM
gujaf-28	218	16	.	.	PUNCT
gujaf-28	219	1	ojwang	ojwang	PROPN
gujaf-28	219	2	,	,	PUNCT
gujaf-28	219	3	a.	a.	NOUN
gujaf-28	219	4	o.	o.	PROPN
gujaf-28	219	5	,	,	PUNCT
gujaf-28	219	6	&	&	CCONJ
gujaf-28	219	7	otinga	otinga	PROPN
gujaf-28	219	8	,	,	PUNCT
gujaf-28	219	9	h.	h.	PROPN
gujaf-28	219	10	n.	n.	PROPN
gujaf-28	219	11	(	(	PUNCT
gujaf-28	219	12	2019	2019	NUM
gujaf-28	219	13	)	)	PUNCT
gujaf-28	219	14	.	.	PUNCT
gujaf-28	220	1	effect	effect	NOUN
gujaf-28	220	2	of	of	ADP
gujaf-28	220	3	financial	financial	ADJ
gujaf-28	220	4	inclusion	inclusion	NOUN
gujaf-28	220	5	on	on	ADP
gujaf-28	220	6	financial	financial	ADJ
gujaf-28	220	7	performance	performance	NOUN
gujaf-28	220	8	of	of	ADP
gujaf-28	220	9	equity	equity	NOUN
gujaf-28	220	10	agency	agency	PROPN
gujaf-28	220	11	banking	banking	NOUN
gujaf-28	220	12	business	business	NOUN
gujaf-28	220	13	in	in	ADP
gujaf-28	220	14	siaya	siaya	NOUN
gujaf-28	220	15	town	town	NOUN
gujaf-28	220	16	.	.	PUNCT
gujaf-28	221	1	the	the	DET
gujaf-28	221	2	strategic	strategic	ADJ
gujaf-28	221	3	journal	journal	NOUN
gujaf-28	221	4	of	of	ADP
gujaf-28	221	5	business	business	PROPN
gujaf-28	221	6	&	&	CCONJ
gujaf-28	221	7	change	change	PROPN
gujaf-28	221	8	management	management	NOUN
gujaf-28	221	9	,	,	PUNCT
gujaf-28	221	10	6(2	6(2	NUM
gujaf-28	221	11	)	)	PUNCT
gujaf-28	221	12	,	,	PUNCT
gujaf-28	221	13	55	55	NUM
gujaf-28	221	14	-	-	SYM
gujaf-28	221	15	65	65	NUM
gujaf-28	221	16	.	.	PUNCT
gujaf-28	222	1	okiro	okiro	PROPN
gujaf-28	222	2	,	,	PUNCT
gujaf-28	222	3	k.	k.	PROPN
gujaf-28	222	4	,	,	PUNCT
gujaf-28	222	5	&	&	CCONJ
gujaf-28	222	6	ndungu	ndungu	PROPN
gujaf-28	222	7	,	,	PUNCT
gujaf-28	222	8	j.	j.	PROPN
gujaf-28	222	9	(	(	PUNCT
gujaf-28	222	10	2013	2013	NUM
gujaf-28	222	11	)	)	PUNCT
gujaf-28	222	12	,	,	PUNCT
gujaf-28	222	13	the	the	DET
gujaf-28	222	14	impact	impact	NOUN
gujaf-28	222	15	of	of	ADP
gujaf-28	222	16	mobile	mobile	ADJ
gujaf-28	222	17	and	and	CCONJ
gujaf-28	222	18	internet	internet	NOUN
gujaf-28	222	19	banking	banking	NOUN
gujaf-28	222	20	on	on	ADP
gujaf-28	222	21	performance	performance	NOUN
gujaf-28	222	22	of	of	ADP
gujaf-28	222	23	financial	financial	ADJ
gujaf-28	222	24	institutions	institution	NOUN
gujaf-28	222	25	in	in	ADP
gujaf-28	222	26	kenya	kenya	PROPN
gujaf-28	222	27	.	.	PUNCT
gujaf-28	223	1	european	european	ADJ
gujaf-28	223	2	scientific	scientific	ADJ
gujaf-28	223	3	journal	journal	NOUN
gujaf-28	223	4	,	,	PUNCT
gujaf-28	223	5	9(13	9(13	NUM
gujaf-28	223	6	)	)	PUNCT
gujaf-28	223	7	,	,	PUNCT
gujaf-28	223	8	146	146	NUM
gujaf-28	223	9	-	-	SYM
gujaf-28	223	10	161	161	NUM
gujaf-28	223	11	.	.	PUNCT
gujaf-28	224	1	ortstad	ortstad	PROPN
gujaf-28	224	2	,	,	PUNCT
gujaf-28	224	3	r.	r.	PROPN
gujaf-28	224	4	,	,	PUNCT
gujaf-28	224	5	&	&	CCONJ
gujaf-28	224	6	sonono	sonono	PROPN
gujaf-28	224	7	,	,	PUNCT
gujaf-28	224	8	b.	b.	PROPN
gujaf-28	224	9	(	(	PUNCT
gujaf-28	224	10	2017	2017	NUM
gujaf-28	224	11	)	)	PUNCT
gujaf-28	224	12	.	.	PUNCT
gujaf-28	225	1	the	the	DET
gujaf-28	225	2	effects	effect	NOUN
gujaf-28	225	3	of	of	ADP
gujaf-28	225	4	the	the	DET
gujaf-28	225	5	digital	digital	ADJ
gujaf-28	225	6	transformation	transformation	NOUN
gujaf-28	225	7	process	process	NOUN
gujaf-28	225	8	on	on	ADP
gujaf-28	225	9	banks	bank	NOUN
gujaf-28	225	10	'	'	PART
gujaf-28	225	11	relationship	relationship	NOUN
gujaf-28	225	12	with	with	ADP
gujaf-28	225	13	customers	customer	NOUN
gujaf-28	225	14	:	:	PUNCT
gujaf-28	225	15	case	case	NOUN
gujaf-28	225	16	study	study	NOUN
gujaf-28	225	17	of	of	ADP
gujaf-28	225	18	a	a	DET
gujaf-28	225	19	large	large	ADJ
gujaf-28	225	20	swedish	swedish	ADJ
gujaf-28	225	21	bank	bank	NOUN
gujaf-28	225	22	.	.	PUNCT
gujaf-28	226	1	research	research	NOUN
gujaf-28	226	2	journal	journal	PROPN
gujaf-28	226	3	of	of	ADP
gujaf-28	226	4	finance	finance	NOUN
gujaf-28	226	5	and	and	CCONJ
gujaf-28	226	6	accounting	accounting	NOUN
gujaf-28	226	7	,	,	PUNCT
gujaf-28	226	8	5(8	5(8	NUM
gujaf-28	226	9	)	)	PUNCT
gujaf-28	226	10	,	,	PUNCT
gujaf-28	226	11	4753	4753	NUM
gujaf-28	226	12	.	.	PUNCT
gujaf-28	227	1	saunders	saunder	NOUN
gujaf-28	227	2	,	,	PUNCT
gujaf-28	227	3	m.	m.	NOUN
gujaf-28	227	4	,	,	PUNCT
gujaf-28	227	5	lewis	lewis	PROPN
gujaf-28	227	6	p.	p.	PROPN
gujaf-28	227	7	,	,	PUNCT
gujaf-28	227	8	&	&	CCONJ
gujaf-28	227	9	thornhill	thornhill	PROPN
gujaf-28	227	10	,	,	PUNCT
gujaf-28	227	11	a.	a.	NOUN
gujaf-28	227	12	(	(	PUNCT
gujaf-28	227	13	2009	2009	NUM
gujaf-28	227	14	)	)	PUNCT
gujaf-28	227	15	.	.	PUNCT
gujaf-28	228	1	research	research	NOUN
gujaf-28	228	2	methods	method	NOUN
gujaf-28	228	3	for	for	ADP
gujaf-28	228	4	business	business	NOUN
gujaf-28	228	5	students	student	NOUN
gujaf-28	228	6	(	(	PUNCT
gujaf-28	228	7	5thedition	5thedition	NUM
gujaf-28	228	8	)	)	PUNCT
gujaf-28	228	9	.	.	PUNCT
gujaf-28	229	1	new	new	PROPN
gujaf-28	229	2	jersey	jersey	PROPN
gujaf-28	229	3	:	:	PUNCT
gujaf-28	229	4	prentice	prentice	PROPN
gujaf-28	229	5	hall	hall	PROPN
gujaf-28	229	6	.	.	PUNCT
gujaf-28	230	1	tinevimbo	tinevimbo	PROPN
gujaf-28	230	2	.	.	PUNCT
gujaf-28	231	1	c.	c.	PROPN
gujaf-28	231	2	s.	s.	PROPN
gujaf-28	231	3	,	,	PUNCT
gujaf-28	231	4	mawanza	mawanza	PROPN
gujaf-28	231	5	,	,	PUNCT
gujaf-28	231	6	w.	w.	PROPN
gujaf-28	231	7	,	,	PUNCT
gujaf-28	231	8	&	&	CCONJ
gujaf-28	231	9	muredzi	muredzi	PROPN
gujaf-28	231	10	,	,	PUNCT
gujaf-28	231	11	v.	v.	PROPN
gujaf-28	231	12	(	(	PUNCT
gujaf-28	231	13	2017	2017	NUM
gujaf-28	231	14	)	)	PUNCT
gujaf-28	231	15	.	.	PUNCT
gujaf-28	232	1	an	an	DET
gujaf-28	232	2	evaluation	evaluation	NOUN
gujaf-28	232	3	of	of	ADP
gujaf-28	232	4	the	the	DET
gujaf-28	232	5	agency	agency	NOUN
gujaf-28	232	6	banking	banking	NOUN
gujaf-28	232	7	model	model	NOUN
gujaf-28	232	8	adopted	adopt	VERB
gujaf-28	232	9	by	by	ADP
gujaf-28	232	10	zimbabwean	zimbabwean	ADJ
gujaf-28	232	11	commercial	commercial	ADJ
gujaf-28	232	12	banks	bank	NOUN
gujaf-28	232	13	.	.	PUNCT
gujaf-28	233	1	journal	journal	PROPN
gujaf-28	233	2	of	of	ADP
gujaf-28	233	3	finance	finance	NOUN
gujaf-28	233	4	and	and	CCONJ
gujaf-28	233	5	bank	bank	NOUN
gujaf-28	233	6	management	management	NOUN
gujaf-28	233	7	,	,	PUNCT
gujaf-28	233	8	5(2	5(2	NUM
gujaf-28	233	9	)	)	PUNCT
gujaf-28	233	10	,	,	PUNCT
gujaf-28	233	11	58	58	NUM
gujaf-28	233	12	-	-	SYM
gujaf-28	233	13	66	66	NUM
gujaf-28	233	14	world	world	NOUN
gujaf-28	233	15	bank	bank	NOUN
gujaf-28	233	16	report	report	NOUN
gujaf-28	233	17	(	(	PUNCT
gujaf-28	233	18	2018	2018	NUM
gujaf-28	233	19	)	)	PUNCT
gujaf-28	233	20	.	.	PUNCT
gujaf-28	234	1	financial	financial	ADJ
gujaf-28	234	2	systems	system	NOUN
gujaf-28	234	3	and	and	CCONJ
gujaf-28	234	4	development	development	NOUN
gujaf-28	234	5	:	:	PUNCT
gujaf-28	234	6	world	world	NOUN
gujaf-28	234	7	development	development	PROPN
gujaf-28	234	8	report	report	PROPN
gujaf-28	234	9	.	.	PUNCT
gujaf-28	235	1	new	new	PROPN
gujaf-28	235	2	york	york	PROPN
gujaf-28	235	3	:	:	PUNCT
gujaf-28	235	4	oxford	oxford	PROPN
gujaf-28	235	5	university	university	PROPN
gujaf-28	235	6	press	press	NOUN
gujaf-28	235	7	.	.	PUNCT
gujaf-28	236	1	world	world	PROPN
gujaf-28	236	2	bank	bank	PROPN
gujaf-28	236	3	report	report	NOUN
gujaf-28	236	4	(	(	PUNCT
gujaf-28	236	5	2019	2019	NUM
gujaf-28	236	6	)	)	PUNCT
gujaf-28	236	7	.	.	PUNCT
gujaf-28	237	1	financial	financial	ADJ
gujaf-28	237	2	systems	system	NOUN
gujaf-28	237	3	and	and	CCONJ
gujaf-28	237	4	development	development	NOUN
gujaf-28	237	5	:	:	PUNCT
gujaf-28	237	6	world	world	NOUN
gujaf-28	237	7	development	development	PROPN
gujaf-28	237	8	report	report	PROPN
gujaf-28	237	9	.	.	PUNCT
gujaf-28	238	1	new	new	PROPN
gujaf-28	238	2	york	york	PROPN
gujaf-28	238	3	:	:	PUNCT
gujaf-28	238	4	oxford	oxford	PROPN
gujaf-28	238	5	university	university	PROPN
gujaf-28	238	6	press	press	NOUN
gujaf-28	238	7	.	.	PUNCT
gujaf-28	239	1	https://ideas.repec.org/a/mth/ber888/v8y2018i4p100-108.html	https://ideas.repec.org/a/mth/ber888/v8y2018i4p100-108.html	PROPN
gujaf-28	239	2	https://ideas.repec.org/a/mth/ber888/v8y2018i4p100-108.html	https://ideas.repec.org/a/mth/ber888/v8y2018i4p100-108.html	PROPN
gujaf-28	239	3	https://ideas.repec.org/s/mth/ber888.html	https://ideas.repec.org/s/mth/ber888.html	PROPN
gujaf-28	240	1	https://ideas.repec.org/s/mth/ber888.html	https://ideas.repec.org/s/mth/ber888.html	PRON