id	sid	tid	token	lemma	pos
gujaf-364	1	1	microsoft	microsoft	PROPN
gujaf-364	1	2	word	word	PROPN
gujaf-364	1	3	fk	fk	INTJ
gujaf-364	1	4	to	to	ADP
gujaf-364	1	5	mr	mr	PROPN
gujaf-364	1	6	hassan	hassan	PROPN
gujaf-364	1	7	6	6	NUM
gujaf-364	1	8	1	1	NUM
gujaf-364	1	9	gusau	gusau	ADJ
gujaf-364	1	10	journal	journal	NOUN
gujaf-364	1	11	of	of	ADP
gujaf-364	1	12	accounting	accounting	NOUN
gujaf-364	1	13	and	and	CCONJ
gujaf-364	1	14	finance	finance	NOUN
gujaf-364	1	15	,	,	PUNCT
gujaf-364	1	16	vol.6	vol.6	PROPN
gujaf-364	1	17	,	,	PUNCT
gujaf-364	1	18	issue	issue	NOUN
gujaf-364	1	19	1	1	NUM
gujaf-364	1	20	,	,	PUNCT
gujaf-364	1	21	april	april	PROPN
gujaf-364	1	22	,	,	PUNCT
gujaf-364	1	23	2025	2025	NUM
gujaf-364	1	24	i	i	PRON
gujaf-364	1	25	gusau	gusau	PROPN
gujaf-364	1	26	journal	journal	NOUN
gujaf-364	1	27	of	of	ADP
gujaf-364	1	28	accounting	accounting	NOUN
gujaf-364	1	29	and	and	CCONJ
gujaf-364	1	30	finance	finance	NOUN
gujaf-364	1	31	(	(	PUNCT
gujaf-364	1	32	gujaf	gujaf	NOUN
gujaf-364	1	33	)	)	PUNCT
gujaf-364	1	34	vol	vol	NOUN
gujaf-364	1	35	.	.	NOUN
gujaf-364	1	36	6	6	NUM
gujaf-364	1	37	issue	issue	NOUN
gujaf-364	1	38	1	1	NUM
gujaf-364	1	39	,	,	PUNCT
gujaf-364	1	40	april	april	PROPN
gujaf-364	1	41	,	,	PUNCT
gujaf-364	1	42	2025	2025	NUM
gujaf-364	1	43	issn	issn	NOUN
gujaf-364	1	44	:	:	PUNCT
gujaf-364	1	45	2756	2756	NUM
gujaf-364	1	46	-	-	PUNCT
gujaf-364	1	47	665x	665x	NOUN
gujaf-364	1	48	a	a	DET
gujaf-364	1	49	publication	publication	NOUN
gujaf-364	1	50	of	of	ADP
gujaf-364	1	51	department	department	NOUN
gujaf-364	1	52	of	of	ADP
gujaf-364	1	53	accounting	accounting	NOUN
gujaf-364	1	54	and	and	CCONJ
gujaf-364	1	55	finance	finance	NOUN
gujaf-364	1	56	,	,	PUNCT
gujaf-364	1	57	faculty	faculty	NOUN
gujaf-364	1	58	of	of	ADP
gujaf-364	1	59	management	management	NOUN
gujaf-364	1	60	and	and	CCONJ
gujaf-364	1	61	social	social	ADJ
gujaf-364	1	62	sciences	science	NOUN
gujaf-364	1	63	,	,	PUNCT
gujaf-364	1	64	federal	federal	ADJ
gujaf-364	1	65	university	university	NOUN
gujaf-364	1	66	gusau	gusau	NOUN
gujaf-364	1	67	,	,	PUNCT
gujaf-364	1	68	zamfara	zamfara	PROPN
gujaf-364	1	69	state	state	PROPN
gujaf-364	1	70	-nigeria	-nigeria	PROPN
gujaf-364	1	71	©	©	PROPN
gujaf-364	1	72	department	department	NOUN
gujaf-364	1	73	of	of	ADP
gujaf-364	1	74	accounting	accounting	NOUN
gujaf-364	1	75	and	and	CCONJ
gujaf-364	1	76	finance	finance	NOUN
gujaf-364	1	77	vol	vol	NOUN
gujaf-364	1	78	.	.	PROPN
gujaf-364	1	79	6	6	NUM
gujaf-364	1	80	issue	issue	NOUN
gujaf-364	1	81	1	1	NUM
gujaf-364	1	82	april	april	PROPN
gujaf-364	1	83	,	,	PUNCT
gujaf-364	1	84	2025	2025	NUM
gujaf-364	1	85	issn	issn	NOUN
gujaf-364	1	86	:	:	PUNCT
gujaf-364	1	87	2756	2756	NUM
gujaf-364	1	88	-	-	PUNCT
gujaf-364	1	89	665x	665x	NOUN
gujaf-364	1	90	a	a	DET
gujaf-364	1	91	publication	publication	NOUN
gujaf-364	1	92	of	of	ADP
gujaf-364	1	93	department	department	NOUN
gujaf-364	1	94	of	of	ADP
gujaf-364	1	95	accounting	accounting	NOUN
gujaf-364	1	96	and	and	CCONJ
gujaf-364	1	97	finance	finance	NOUN
gujaf-364	1	98	,	,	PUNCT
gujaf-364	1	99	faculty	faculty	NOUN
gujaf-364	1	100	of	of	ADP
gujaf-364	1	101	management	management	NOUN
gujaf-364	1	102	and	and	CCONJ
gujaf-364	1	103	social	social	ADJ
gujaf-364	1	104	sciences	science	NOUN
gujaf-364	1	105	,	,	PUNCT
gujaf-364	1	106	federal	federal	ADJ
gujaf-364	1	107	university	university	NOUN
gujaf-364	1	108	gusau	gusau	NOUN
gujaf-364	1	109	,	,	PUNCT
gujaf-364	1	110	zamfara	zamfara	PROPN
gujaf-364	1	111	state	state	PROPN
gujaf-364	1	112	-nigeria	-nigeria	PROPN
gujaf-364	1	113	gusau	gusau	ADJ
gujaf-364	1	114	journal	journal	NOUN
gujaf-364	1	115	of	of	ADP
gujaf-364	1	116	accounting	accounting	NOUN
gujaf-364	1	117	and	and	CCONJ
gujaf-364	1	118	finance	finance	NOUN
gujaf-364	1	119	,	,	PUNCT
gujaf-364	1	120	vol.6	vol.6	PROPN
gujaf-364	1	121	,	,	PUNCT
gujaf-364	1	122	issue	issue	NOUN
gujaf-364	1	123	1	1	NUM
gujaf-364	1	124	,	,	PUNCT
gujaf-364	1	125	april	april	PROPN
gujaf-364	1	126	,	,	PUNCT
gujaf-364	1	127	2025	2025	NUM
gujaf-364	1	128	ii	ii	NOUN
gujaf-364	1	129	all	all	DET
gujaf-364	1	130	rights	right	NOUN
gujaf-364	1	131	reserved	reserve	VERB
gujaf-364	1	132	except	except	SCONJ
gujaf-364	1	133	for	for	ADP
gujaf-364	1	134	academic	academic	ADJ
gujaf-364	1	135	purposes	purpose	NOUN
gujaf-364	1	136	no	no	DET
gujaf-364	1	137	part	part	NOUN
gujaf-364	1	138	or	or	CCONJ
gujaf-364	1	139	whole	whole	NOUN
gujaf-364	1	140	of	of	ADP
gujaf-364	1	141	this	this	DET
gujaf-364	1	142	publication	publication	NOUN
gujaf-364	1	143	is	be	AUX
gujaf-364	1	144	allowed	allow	VERB
gujaf-364	1	145	to	to	PART
gujaf-364	1	146	be	be	AUX
gujaf-364	1	147	reproduced	reproduce	VERB
gujaf-364	1	148	,	,	PUNCT
gujaf-364	1	149	stored	store	VERB
gujaf-364	1	150	in	in	ADP
gujaf-364	1	151	a	a	DET
gujaf-364	1	152	retrieval	retrieval	NOUN
gujaf-364	1	153	system	system	NOUN
gujaf-364	1	154	or	or	CCONJ
gujaf-364	1	155	transmitted	transmit	VERB
gujaf-364	1	156	in	in	ADP
gujaf-364	1	157	any	any	DET
gujaf-364	1	158	form	form	NOUN
gujaf-364	1	159	or	or	CCONJ
gujaf-364	1	160	by	by	ADP
gujaf-364	1	161	any	any	DET
gujaf-364	1	162	means	mean	NOUN
gujaf-364	1	163	be	be	AUX
gujaf-364	1	164	it	it	PRON
gujaf-364	1	165	mechanical	mechanical	ADJ
gujaf-364	1	166	,	,	PUNCT
gujaf-364	1	167	electrical	electrical	ADJ
gujaf-364	1	168	,	,	PUNCT
gujaf-364	1	169	photocopying	photocopying	NOUN
gujaf-364	1	170	,	,	PUNCT
gujaf-364	1	171	recording	recording	NOUN
gujaf-364	1	172	or	or	CCONJ
gujaf-364	1	173	otherwise	otherwise	ADV
gujaf-364	1	174	,	,	PUNCT
gujaf-364	1	175	without	without	ADP
gujaf-364	1	176	prior	prior	ADJ
gujaf-364	1	177	permission	permission	NOUN
gujaf-364	1	178	of	of	ADP
gujaf-364	1	179	the	the	DET
gujaf-364	1	180	copyright	copyright	NOUN
gujaf-364	1	181	owner	owner	NOUN
gujaf-364	1	182	.	.	PUNCT
gujaf-364	2	1	published	publish	VERB
gujaf-364	2	2	and	and	CCONJ
gujaf-364	2	3	printed	print	VERB
gujaf-364	2	4	by	by	ADP
gujaf-364	2	5	:	:	PUNCT
gujaf-364	2	6	ahmadu	ahmadu	PROPN
gujaf-364	2	7	bello	bello	PROPN
gujaf-364	2	8	university	university	PROPN
gujaf-364	2	9	press	press	NOUN
gujaf-364	2	10	limited	limit	VERB
gujaf-364	2	11	,	,	PUNCT
gujaf-364	2	12	zaria	zaria	PROPN
gujaf-364	2	13	kaduna	kaduna	PROPN
gujaf-364	2	14	state	state	PROPN
gujaf-364	2	15	,	,	PUNCT
gujaf-364	2	16	nigeria	nigeria	PROPN
gujaf-364	2	17	.	.	PUNCT
gujaf-364	3	1	tel	tel	ADP
gujaf-364	3	2	:	:	PUNCT
gujaf-364	3	3	08065949711	08065949711	NUM
gujaf-364	3	4	,	,	PUNCT
gujaf-364	3	5	069	069	NUM
gujaf-364	3	6	-	-	SYM
gujaf-364	3	7	879121	879121	NUM
gujaf-364	3	8	e	e	NOUN
gujaf-364	3	9	-	-	NOUN
gujaf-364	3	10	mail	mail	NOUN
gujaf-364	3	11	:	:	PUNCT
gujaf-364	3	12	abupress2013@gmail.com	abupress2013@gmail.com	X
gujaf-364	3	13	abupress2020@yahoo.com	abupress2020@yahoo.com	X
gujaf-364	4	1	website	website	NOUN
gujaf-364	4	2	:	:	PUNCT
gujaf-364	4	3	www.abupress.com.ng	www.abupress.com.ng	PROPN
gujaf-364	4	4	gusau	gusau	ADJ
gujaf-364	4	5	journal	journal	NOUN
gujaf-364	4	6	of	of	ADP
gujaf-364	4	7	accounting	accounting	NOUN
gujaf-364	4	8	and	and	CCONJ
gujaf-364	4	9	finance	finance	NOUN
gujaf-364	4	10	,	,	PUNCT
gujaf-364	4	11	vol.6	vol.6	PROPN
gujaf-364	4	12	,	,	PUNCT
gujaf-364	4	13	issue	issue	NOUN
gujaf-364	4	14	1	1	NUM
gujaf-364	4	15	,	,	PUNCT
gujaf-364	4	16	april	april	PROPN
gujaf-364	4	17	,	,	PUNCT
gujaf-364	4	18	2025	2025	NUM
gujaf-364	4	19	iii	iii	NUM
gujaf-364	4	20	editorial	editorial	PROPN
gujaf-364	4	21	board	board	NOUN
gujaf-364	4	22	editor	editor	NOUN
gujaf-364	4	23	-	-	PUNCT
gujaf-364	4	24	in	in	ADP
gujaf-364	4	25	-	-	PUNCT
gujaf-364	4	26	chief	chief	NOUN
gujaf-364	4	27	:	:	PUNCT
gujaf-364	4	28	prof	prof	NOUN
gujaf-364	4	29	.	.	PUNCT
gujaf-364	5	1	m.y	m.y	PROPN
gujaf-364	5	2	.	.	PROPN
gujaf-364	5	3	abubakar	abubakar	PROPN
gujaf-364	5	4	department	department	PROPN
gujaf-364	5	5	of	of	ADP
gujaf-364	5	6	accounting	accounting	PROPN
gujaf-364	5	7	,	,	PUNCT
gujaf-364	5	8	usmanu	usmanu	PROPN
gujaf-364	5	9	danfodiyo	danfodiyo	PROPN
gujaf-364	5	10	university	university	PROPN
gujaf-364	5	11	,	,	PUNCT
gujaf-364	5	12	sokoto	sokoto	PROPN
gujaf-364	5	13	assistant	assistant	PROPN
gujaf-364	5	14	editor	editor	PROPN
gujaf-364	5	15	-	-	PUNCT
gujaf-364	5	16	in	in	ADP
gujaf-364	5	17	-	-	PUNCT
gujaf-364	5	18	chief	chief	NOUN
gujaf-364	6	1	i	i	NOUN
gujaf-364	6	2	:	:	PUNCT
gujaf-364	6	3	dr	dr	PROPN
gujaf-364	6	4	.	.	PROPN
gujaf-364	6	5	muhammad	muhammad	PROPN
gujaf-364	6	6	usaini	usaini	PROPN
gujaf-364	6	7	department	department	PROPN
gujaf-364	6	8	of	of	ADP
gujaf-364	6	9	accounting	accounting	PROPN
gujaf-364	6	10	,	,	PUNCT
gujaf-364	6	11	federal	federal	ADJ
gujaf-364	6	12	university	university	NOUN
gujaf-364	6	13	gusau	gusau	PROPN
gujaf-364	6	14	.	.	PROPN
gujaf-364	6	15	assistant	assistant	PROPN
gujaf-364	6	16	editor	editor	NOUN
gujaf-364	6	17	-	-	PUNCT
gujaf-364	6	18	in	in	ADP
gujaf-364	6	19	-	-	PUNCT
gujaf-364	6	20	chief	chief	NOUN
gujaf-364	6	21	ii	ii	NOUN
gujaf-364	6	22	:	:	PUNCT
gujaf-364	6	23	prof	prof	PROPN
gujaf-364	6	24	a.b	a.b	PROPN
gujaf-364	6	25	.	.	PROPN
gujaf-364	6	26	sani	sani	PROPN
gujaf-364	6	27	department	department	PROPN
gujaf-364	6	28	of	of	ADP
gujaf-364	6	29	accounting	accounting	PROPN
gujaf-364	6	30	,	,	PUNCT
gujaf-364	6	31	usmanu	usmanu	PROPN
gujaf-364	6	32	danfodiyo	danfodiyo	PROPN
gujaf-364	6	33	university	university	PROPN
gujaf-364	6	34	,	,	PUNCT
gujaf-364	6	35	sokoto	sokoto	PROPN
gujaf-364	6	36	.	.	PUNCT
gujaf-364	7	1	managing	manage	VERB
gujaf-364	7	2	editor	editor	NOUN
gujaf-364	7	3	:	:	PUNCT
gujaf-364	7	4	dr	dr	PROPN
gujaf-364	7	5	.	.	PROPN
gujaf-364	7	6	umar	umar	PROPN
gujaf-364	7	7	farouk	farouk	PROPN
gujaf-364	7	8	abdulkarim	abdulkarim	PROPN
gujaf-364	7	9	department	department	PROPN
gujaf-364	7	10	of	of	ADP
gujaf-364	7	11	accounting	accounting	NOUN
gujaf-364	7	12	and	and	CCONJ
gujaf-364	7	13	finance	finance	NOUN
gujaf-364	7	14	,	,	PUNCT
gujaf-364	7	15	federal	federal	ADJ
gujaf-364	7	16	university	university	NOUN
gujaf-364	7	17	gusau	gusau	PROPN
gujaf-364	7	18	,	,	PUNCT
gujaf-364	7	19	zamfara	zamfara	PROPN
gujaf-364	7	20	state	state	PROPN
gujaf-364	7	21	.	.	PUNCT
gujaf-364	8	1	assistant	assistant	PROPN
gujaf-364	8	2	managing	manage	VERB
gujaf-364	8	3	editor	editor	NOUN
gujaf-364	8	4	:	:	PUNCT
gujaf-364	8	5	dr	dr	PROPN
gujaf-364	8	6	adamu	adamu	PROPN
gujaf-364	8	7	magaji	magaji	PROPN
gujaf-364	8	8	department	department	PROPN
gujaf-364	8	9	of	of	ADP
gujaf-364	8	10	accounting	accounting	NOUN
gujaf-364	8	11	and	and	CCONJ
gujaf-364	8	12	finance	finance	NOUN
gujaf-364	8	13	,	,	PUNCT
gujaf-364	8	14	federal	federal	ADJ
gujaf-364	8	15	university	university	NOUN
gujaf-364	8	16	gusau	gusau	PROPN
gujaf-364	8	17	,	,	PUNCT
gujaf-364	8	18	zamfara	zamfara	PROPN
gujaf-364	8	19	state	state	PROPN
gujaf-364	8	20	.	.	PUNCT
gujaf-364	9	1	business	business	NOUN
gujaf-364	9	2	editor	editor	NOUN
gujaf-364	9	3	:	:	PUNCT
gujaf-364	9	4	mallam	mallam	PROPN
gujaf-364	9	5	samaila	samaila	PROPN
gujaf-364	9	6	dannana	dannana	PROPN
gujaf-364	9	7	department	department	PROPN
gujaf-364	9	8	of	of	ADP
gujaf-364	9	9	accounting	accounting	NOUN
gujaf-364	9	10	and	and	CCONJ
gujaf-364	9	11	finance	finance	NOUN
gujaf-364	9	12	,	,	PUNCT
gujaf-364	9	13	federal	federal	ADJ
gujaf-364	9	14	university	university	NOUN
gujaf-364	9	15	gusau	gusau	PROPN
gujaf-364	9	16	,	,	PUNCT
gujaf-364	9	17	zamfara	zamfara	PROPN
gujaf-364	9	18	state	state	PROPN
gujaf-364	9	19	.	.	PUNCT
gujaf-364	10	1	editorial	editorial	PROPN
gujaf-364	10	2	board	board	NOUN
gujaf-364	10	3	prof.ahmad	prof.ahmad	PROPN
gujaf-364	10	4	modu	modu	PROPN
gujaf-364	10	5	kumshe	kumshe	PROPN
gujaf-364	10	6	department	department	PROPN
gujaf-364	10	7	of	of	ADP
gujaf-364	10	8	accounting	accounting	PROPN
gujaf-364	10	9	,	,	PUNCT
gujaf-364	10	10	university	university	NOUN
gujaf-364	10	11	of	of	ADP
gujaf-364	10	12	maiduguri	maiduguri	PROPN
gujaf-364	10	13	,	,	PUNCT
gujaf-364	10	14	borno	borno	PROPN
gujaf-364	10	15	state	state	PROPN
gujaf-364	10	16	.	.	PUNCT
gujaf-364	11	1	prof	prof	PROPN
gujaf-364	11	2	ugochukwu	ugochukwu	PROPN
gujaf-364	11	3	c.	c.	PROPN
gujaf-364	11	4	nzewi	nzewi	VERB
gujaf-364	11	5	department	department	PROPN
gujaf-364	11	6	of	of	ADP
gujaf-364	11	7	accounting	accounting	PROPN
gujaf-364	11	8	,	,	PUNCT
gujaf-364	11	9	paul	paul	PROPN
gujaf-364	11	10	university	university	PROPN
gujaf-364	11	11	awka	awka	NOUN
gujaf-364	11	12	,	,	PUNCT
gujaf-364	11	13	anambra	anambra	PROPN
gujaf-364	11	14	state	state	PROPN
gujaf-364	11	15	.	.	PUNCT
gujaf-364	12	1	prof	prof	PROPN
gujaf-364	12	2	kabir	kabir	PROPN
gujaf-364	12	3	tahir	tahir	PROPN
gujaf-364	12	4	hamid	hamid	PROPN
gujaf-364	12	5	department	department	PROPN
gujaf-364	12	6	of	of	ADP
gujaf-364	12	7	accounting	accounting	PROPN
gujaf-364	12	8	,	,	PUNCT
gujaf-364	12	9	bayero	bayero	PROPN
gujaf-364	12	10	university	university	PROPN
gujaf-364	12	11	,	,	PUNCT
gujaf-364	12	12	kano	kano	PROPN
gujaf-364	12	13	,	,	PUNCT
gujaf-364	12	14	kano	kano	PROPN
gujaf-364	12	15	state	state	PROPN
gujaf-364	12	16	.	.	PUNCT
gujaf-364	13	1	prof	prof	PROPN
gujaf-364	13	2	.	.	PUNCT
gujaf-364	14	1	ekoja	ekoja	PROPN
gujaf-364	14	2	b.	b.	PROPN
gujaf-364	14	3	ekoja	ekoja	PROPN
gujaf-364	14	4	department	department	PROPN
gujaf-364	14	5	of	of	ADP
gujaf-364	14	6	accounting	accounting	PROPN
gujaf-364	14	7	,	,	PUNCT
gujaf-364	14	8	university	university	PROPN
gujaf-364	14	9	of	of	ADP
gujaf-364	14	10	jos	jos	PROPN
gujaf-364	14	11	.	.	PROPN
gujaf-364	14	12	prof	prof	PROPN
gujaf-364	14	13	.	.	PUNCT
gujaf-364	15	1	clifford	clifford	PROPN
gujaf-364	15	2	ofurum	ofurum	PROPN
gujaf-364	15	3	department	department	PROPN
gujaf-364	15	4	of	of	ADP
gujaf-364	15	5	accounting	accounting	PROPN
gujaf-364	15	6	,	,	PUNCT
gujaf-364	15	7	university	university	NOUN
gujaf-364	15	8	of	of	ADP
gujaf-364	15	9	portharcourt	portharcourt	PROPN
gujaf-364	15	10	,	,	PUNCT
gujaf-364	15	11	rivers	river	NOUN
gujaf-364	15	12	state	state	PROPN
gujaf-364	15	13	.	.	PUNCT
gujaf-364	16	1	prof	prof	PROPN
gujaf-364	16	2	.	.	PUNCT
gujaf-364	17	1	ahmad	ahmad	PROPN
gujaf-364	17	2	bello	bello	PROPN
gujaf-364	17	3	dogarawa	dogarawa	PROPN
gujaf-364	17	4	department	department	PROPN
gujaf-364	17	5	of	of	ADP
gujaf-364	17	6	accounting	accounting	NOUN
gujaf-364	17	7	,	,	PUNCT
gujaf-364	17	8	ahmadu	ahmadu	PROPN
gujaf-364	17	9	bello	bello	PROPN
gujaf-364	17	10	university	university	PROPN
gujaf-364	17	11	zaria	zaria	PROPN
gujaf-364	17	12	.	.	PUNCT
gujaf-364	18	1	gusau	gusau	PROPN
gujaf-364	18	2	journal	journal	PROPN
gujaf-364	18	3	of	of	ADP
gujaf-364	18	4	accounting	accounting	NOUN
gujaf-364	18	5	and	and	CCONJ
gujaf-364	18	6	finance	finance	NOUN
gujaf-364	18	7	,	,	PUNCT
gujaf-364	18	8	vol.6	vol.6	PROPN
gujaf-364	18	9	,	,	PUNCT
gujaf-364	18	10	issue	issue	NOUN
gujaf-364	18	11	1	1	NUM
gujaf-364	18	12	,	,	PUNCT
gujaf-364	18	13	april	april	PROPN
gujaf-364	18	14	,	,	PUNCT
gujaf-364	18	15	2025	2025	NUM
gujaf-364	18	16	iv	iv	NUM
gujaf-364	18	17	prof	prof	NOUN
gujaf-364	18	18	.	.	PUNCT
gujaf-364	19	1	yusuf	yusuf	PROPN
gujaf-364	19	2	.	.	PUNCT
gujaf-364	20	1	b.	b.	PROPN
gujaf-364	20	2	rahman	rahman	PROPN
gujaf-364	20	3	department	department	PROPN
gujaf-364	20	4	of	of	ADP
gujaf-364	20	5	accounting	accounting	PROPN
gujaf-364	20	6	,	,	PUNCT
gujaf-364	20	7	lagos	lagos	NOUN
gujaf-364	20	8	state	state	PROPN
gujaf-364	20	9	university	university	PROPN
gujaf-364	20	10	,	,	PUNCT
gujaf-364	20	11	lagos	lagos	NOUN
gujaf-364	20	12	state	state	NOUN
gujaf-364	20	13	.	.	PUNCT
gujaf-364	21	1	prof	prof	PROPN
gujaf-364	21	2	.	.	PUNCT
gujaf-364	22	1	suleiman	suleiman	PROPN
gujaf-364	22	2	a.	a.	PROPN
gujaf-364	22	3	s.	s.	PROPN
gujaf-364	22	4	aruwa	aruwa	PROPN
gujaf-364	22	5	department	department	PROPN
gujaf-364	22	6	of	of	ADP
gujaf-364	22	7	accounting	accounting	PROPN
gujaf-364	22	8	,	,	PUNCT
gujaf-364	22	9	nasarawa	nasarawa	PROPN
gujaf-364	22	10	state	state	PROPN
gujaf-364	22	11	university	university	PROPN
gujaf-364	22	12	,	,	PUNCT
gujaf-364	22	13	keffi	keffi	PROPN
gujaf-364	22	14	,	,	PUNCT
gujaf-364	22	15	nasarawa	nasarawa	PROPN
gujaf-364	22	16	state	state	PROPN
gujaf-364	22	17	.	.	PUNCT
gujaf-364	23	1	prof	prof	PROPN
gujaf-364	23	2	.	.	PUNCT
gujaf-364	24	1	muhammad	muhammad	PROPN
gujaf-364	24	2	junaidu	junaidu	PROPN
gujaf-364	24	3	kurawa	kurawa	PROPN
gujaf-364	24	4	department	department	PROPN
gujaf-364	24	5	of	of	ADP
gujaf-364	24	6	accounting	accounting	PROPN
gujaf-364	24	7	,	,	PUNCT
gujaf-364	24	8	bayero	bayero	PROPN
gujaf-364	24	9	university	university	PROPN
gujaf-364	24	10	kano	kano	PROPN
gujaf-364	24	11	,	,	PUNCT
gujaf-364	24	12	kano	kano	PROPN
gujaf-364	24	13	state	state	PROPN
gujaf-364	24	14	.	.	PUNCT
gujaf-364	25	1	prof	prof	PROPN
gujaf-364	25	2	.	.	PUNCT
gujaf-364	26	1	muhammad	muhammad	PROPN
gujaf-364	26	2	habibu	habibu	ADJ
gujaf-364	26	3	sabari	sabari	PROPN
gujaf-364	26	4	department	department	PROPN
gujaf-364	26	5	of	of	ADP
gujaf-364	26	6	accounting	accounting	NOUN
gujaf-364	26	7	,	,	PUNCT
gujaf-364	26	8	ahmadu	ahmadu	PROPN
gujaf-364	26	9	bello	bello	PROPN
gujaf-364	26	10	university	university	PROPN
gujaf-364	26	11	,	,	PUNCT
gujaf-364	26	12	zaria	zaria	PROPN
gujaf-364	26	13	.	.	PUNCT
gujaf-364	26	14	prof	prof	PROPN
gujaf-364	26	15	.	.	PUNCT
gujaf-364	27	1	okpanachi	okpanachi	PROPN
gujaf-364	27	2	joshua	joshua	PROPN
gujaf-364	27	3	department	department	PROPN
gujaf-364	27	4	of	of	ADP
gujaf-364	27	5	accounting	accounting	NOUN
gujaf-364	27	6	and	and	CCONJ
gujaf-364	27	7	management	management	NOUN
gujaf-364	27	8	,	,	PUNCT
gujaf-364	27	9	nigerian	nigerian	ADJ
gujaf-364	27	10	defence	defence	PROPN
gujaf-364	27	11	academy	academy	PROPN
gujaf-364	27	12	,	,	PUNCT
gujaf-364	27	13	kaduna	kaduna	PROPN
gujaf-364	27	14	.	.	PROPN
gujaf-364	27	15	prof	prof	PROPN
gujaf-364	27	16	.	.	PUNCT
gujaf-364	28	1	hassan	hassan	PROPN
gujaf-364	28	2	ibrahim	ibrahim	PROPN
gujaf-364	28	3	department	department	PROPN
gujaf-364	28	4	of	of	ADP
gujaf-364	28	5	accounting	accounting	PROPN
gujaf-364	28	6	,	,	PUNCT
gujaf-364	28	7	ibb	ibb	NOUN
gujaf-364	28	8	university	university	NOUN
gujaf-364	28	9	,	,	PUNCT
gujaf-364	28	10	lapai	lapai	NOUN
gujaf-364	28	11	,	,	PUNCT
gujaf-364	28	12	niger	niger	NOUN
gujaf-364	28	13	state	state	NOUN
gujaf-364	28	14	.	.	PUNCT
gujaf-364	29	1	prof	prof	PROPN
gujaf-364	29	2	.	.	PUNCT
gujaf-364	30	1	ifeoma	ifeoma	PROPN
gujaf-364	30	2	mary	mary	PROPN
gujaf-364	30	3	okwo	okwo	PROPN
gujaf-364	30	4	department	department	PROPN
gujaf-364	30	5	of	of	ADP
gujaf-364	30	6	accounting	accounting	PROPN
gujaf-364	30	7	,	,	PUNCT
gujaf-364	30	8	enugu	enugu	PROPN
gujaf-364	30	9	state	state	PROPN
gujaf-364	30	10	university	university	PROPN
gujaf-364	30	11	of	of	ADP
gujaf-364	30	12	science	science	NOUN
gujaf-364	30	13	and	and	CCONJ
gujaf-364	30	14	technology	technology	NOUN
gujaf-364	30	15	,	,	PUNCT
gujaf-364	30	16	enugu	enugu	PROPN
gujaf-364	30	17	state	state	PROPN
gujaf-364	30	18	.	.	PUNCT
gujaf-364	31	1	prof	prof	PROPN
gujaf-364	31	2	.	.	PROPN
gujaf-364	32	1	aminu	aminu	PROPN
gujaf-364	32	2	isah	isah	PROPN
gujaf-364	32	3	department	department	PROPN
gujaf-364	32	4	of	of	ADP
gujaf-364	32	5	accounting	accounting	PROPN
gujaf-364	32	6	,	,	PUNCT
gujaf-364	32	7	bayero	bayero	PROPN
gujaf-364	32	8	university	university	PROPN
gujaf-364	32	9	,	,	PUNCT
gujaf-364	32	10	kano	kano	PROPN
gujaf-364	32	11	,	,	PUNCT
gujaf-364	32	12	kano	kano	PROPN
gujaf-364	32	13	state	state	PROPN
gujaf-364	32	14	.	.	PUNCT
gujaf-364	33	1	prof	prof	PROPN
gujaf-364	33	2	.	.	PUNCT
gujaf-364	34	1	ahmadu	ahmadu	PROPN
gujaf-364	34	2	bello	bello	PROPN
gujaf-364	34	3	department	department	PROPN
gujaf-364	34	4	of	of	ADP
gujaf-364	34	5	accounting	accounting	NOUN
gujaf-364	34	6	,	,	PUNCT
gujaf-364	34	7	ahmadu	ahmadu	PROPN
gujaf-364	34	8	bello	bello	PROPN
gujaf-364	34	9	university	university	PROPN
gujaf-364	34	10	,	,	PUNCT
gujaf-364	34	11	zaria	zaria	PROPN
gujaf-364	34	12	.	.	PUNCT
gujaf-364	35	1	prof	prof	PROPN
gujaf-364	35	2	.	.	PUNCT
gujaf-364	36	1	musa	musa	PROPN
gujaf-364	36	2	yelwa	yelwa	PROPN
gujaf-364	36	3	abubakar	abubakar	PROPN
gujaf-364	36	4	department	department	PROPN
gujaf-364	36	5	of	of	ADP
gujaf-364	36	6	accounting	accounting	PROPN
gujaf-364	36	7	,	,	PUNCT
gujaf-364	36	8	usmanu	usmanu	PROPN
gujaf-364	36	9	danfodiyo	danfodiyo	PROPN
gujaf-364	36	10	university	university	PROPN
gujaf-364	36	11	,	,	PUNCT
gujaf-364	36	12	sokoto	sokoto	PROPN
gujaf-364	36	13	state	state	PROPN
gujaf-364	36	14	.	.	PUNCT
gujaf-364	37	1	prof	prof	PROPN
gujaf-364	37	2	.	.	PUNCT
gujaf-364	38	1	salisu	salisu	PROPN
gujaf-364	38	2	abubakar	abubakar	PROPN
gujaf-364	38	3	department	department	PROPN
gujaf-364	38	4	of	of	ADP
gujaf-364	38	5	accounting	accounting	NOUN
gujaf-364	38	6	,	,	PUNCT
gujaf-364	38	7	ahmadu	ahmadu	PROPN
gujaf-364	38	8	bello	bello	PROPN
gujaf-364	38	9	university	university	PROPN
gujaf-364	38	10	zaria	zaria	PROPN
gujaf-364	38	11	,	,	PUNCT
gujaf-364	38	12	kaduna	kaduna	PROPN
gujaf-364	38	13	state	state	PROPN
gujaf-364	38	14	.	.	PUNCT
gujaf-364	39	1	prof	prof	PROPN
gujaf-364	39	2	.	.	PUNCT
gujaf-364	40	1	isaq	isaq	PROPN
gujaf-364	40	2	alhaji	alhaji	PROPN
gujaf-364	40	3	samaila	samaila	PROPN
gujaf-364	40	4	department	department	PROPN
gujaf-364	40	5	of	of	ADP
gujaf-364	40	6	accounting	accounting	PROPN
gujaf-364	40	7	,	,	PUNCT
gujaf-364	40	8	bayero	bayero	PROPN
gujaf-364	40	9	university	university	NOUN
gujaf-364	40	10	,	,	PUNCT
gujaf-364	40	11	kano	kano	PROPN
gujaf-364	40	12	state	state	PROPN
gujaf-364	40	13	.	.	PUNCT
gujaf-364	41	1	prof	prof	PROPN
gujaf-364	41	2	.	.	PUNCT
gujaf-364	42	1	sunusi	sunusi	PROPN
gujaf-364	42	2	sa'ad	sa'ad	PROPN
gujaf-364	42	3	ahmad	ahmad	PROPN
gujaf-364	42	4	department	department	PROPN
gujaf-364	42	5	of	of	ADP
gujaf-364	42	6	accounting	accounting	PROPN
gujaf-364	42	7	,	,	PUNCT
gujaf-364	42	8	federal	federal	ADJ
gujaf-364	42	9	university	university	NOUN
gujaf-364	42	10	dutse	dutse	NOUN
gujaf-364	42	11	,	,	PUNCT
gujaf-364	42	12	jigawa	jigawa	PROPN
gujaf-364	42	13	state	state	PROPN
gujaf-364	42	14	.	.	PUNCT
gujaf-364	43	1	prof	prof	PROPN
gujaf-364	43	2	.	.	PUNCT
gujaf-364	44	1	onipeadebenege	onipeadebenege	PROPN
gujaf-364	44	2	yahaya	yahaya	PROPN
gujaf-364	44	3	department	department	PROPN
gujaf-364	44	4	of	of	ADP
gujaf-364	44	5	accounting	accounting	PROPN
gujaf-364	44	6	,	,	PUNCT
gujaf-364	44	7	nigerian	nigerian	ADJ
gujaf-364	44	8	defence	defence	PROPN
gujaf-364	44	9	academy	academy	PROPN
gujaf-364	44	10	,	,	PUNCT
gujaf-364	44	11	kaduna	kaduna	PROPN
gujaf-364	44	12	state	state	PROPN
gujaf-364	44	13	.	.	PUNCT
gujaf-364	45	1	prof	prof	PROPN
gujaf-364	45	2	.	.	PUNCT
gujaf-364	46	1	saidu	saidu	PROPN
gujaf-364	46	2	adamu	adamu	PROPN
gujaf-364	46	3	department	department	PROPN
gujaf-364	46	4	of	of	ADP
gujaf-364	46	5	accounting	accounting	PROPN
gujaf-364	46	6	,	,	PUNCT
gujaf-364	46	7	federal	federal	ADJ
gujaf-364	46	8	university	university	PROPN
gujaf-364	46	9	of	of	ADP
gujaf-364	46	10	kashere	kashere	PROPN
gujaf-364	46	11	,	,	PUNCT
gujaf-364	46	12	gombe	gombe	ADJ
gujaf-364	46	13	state	state	NOUN
gujaf-364	46	14	.	.	PUNCT
gujaf-364	47	1	gusau	gusau	PROPN
gujaf-364	47	2	journal	journal	PROPN
gujaf-364	47	3	of	of	ADP
gujaf-364	47	4	accounting	accounting	NOUN
gujaf-364	47	5	and	and	CCONJ
gujaf-364	47	6	finance	finance	NOUN
gujaf-364	47	7	,	,	PUNCT
gujaf-364	47	8	vol.6	vol.6	PROPN
gujaf-364	47	9	,	,	PUNCT
gujaf-364	47	10	issue	issue	NOUN
gujaf-364	47	11	1	1	NUM
gujaf-364	47	12	,	,	PUNCT
gujaf-364	47	13	april	april	PROPN
gujaf-364	47	14	,	,	PUNCT
gujaf-364	47	15	2025	2025	NUM
gujaf-364	47	16	v	v	NUM
gujaf-364	47	17	prof	prof	NOUN
gujaf-364	47	18	.	.	PUNCT
gujaf-364	48	1	farouk	farouk	PROPN
gujaf-364	48	2	adeza	adeza	PROPN
gujaf-364	48	3	school	school	NOUN
gujaf-364	48	4	of	of	ADP
gujaf-364	48	5	business	business	NOUN
gujaf-364	48	6	and	and	CCONJ
gujaf-364	48	7	entrepreneurship	entrepreneurship	NOUN
gujaf-364	48	8	,	,	PUNCT
gujaf-364	48	9	american	american	PROPN
gujaf-364	48	10	university	university	PROPN
gujaf-364	48	11	of	of	ADP
gujaf-364	48	12	nigeria	nigeria	PROPN
gujaf-364	48	13	,	,	PUNCT
gujaf-364	48	14	yola	yola	PROPN
gujaf-364	48	15	.	.	PUNCT
gujaf-364	49	1	dr	dr	PROPN
gujaf-364	49	2	.	.	PROPN
gujaf-364	49	3	fatima	fatima	PROPN
gujaf-364	49	4	alfa	alfa	PROPN
gujaf-364	49	5	department	department	PROPN
gujaf-364	49	6	of	of	ADP
gujaf-364	49	7	accounting	accounting	PROPN
gujaf-364	49	8	,	,	PUNCT
gujaf-364	49	9	university	university	NOUN
gujaf-364	49	10	of	of	ADP
gujaf-364	49	11	maiduguri	maiduguri	PROPN
gujaf-364	49	12	,	,	PUNCT
gujaf-364	49	13	borno	borno	PROPN
gujaf-364	49	14	state	state	PROPN
gujaf-364	49	15	.	.	PUNCT
gujaf-364	50	1	dr	dr	PROPN
gujaf-364	50	2	.	.	PROPN
gujaf-364	50	3	nasiru	nasiru	PROPN
gujaf-364	50	4	a.	a.	PROPN
gujaf-364	50	5	ka’oje	ka’oje	PROPN
gujaf-364	50	6	department	department	PROPN
gujaf-364	50	7	of	of	ADP
gujaf-364	50	8	accounting	accounting	PROPN
gujaf-364	50	9	,	,	PUNCT
gujaf-364	50	10	usmanu	usmanu	PROPN
gujaf-364	50	11	danfodiyo	danfodiyo	PROPN
gujaf-364	50	12	university	university	PROPN
gujaf-364	50	13	sokoto	sokoto	PROPN
gujaf-364	50	14	state	state	PROPN
gujaf-364	50	15	.	.	PUNCT
gujaf-364	51	1	dr	dr	PROPN
gujaf-364	51	2	.	.	PROPN
gujaf-364	51	3	aminu	aminu	PROPN
gujaf-364	51	4	abdullahi	abdullahi	PROPN
gujaf-364	51	5	department	department	PROPN
gujaf-364	51	6	of	of	ADP
gujaf-364	51	7	accounting	accounting	PROPN
gujaf-364	51	8	,	,	PUNCT
gujaf-364	51	9	usmanu	usmanu	PROPN
gujaf-364	51	10	danfodiyo	danfodiyo	PROPN
gujaf-364	51	11	university	university	PROPN
gujaf-364	51	12	sokoto	sokoto	PROPN
gujaf-364	51	13	,	,	PUNCT
gujaf-364	51	14	state	state	PROPN
gujaf-364	51	15	.	.	PUNCT
gujaf-364	52	1	dr	dr	PROPN
gujaf-364	52	2	.	.	PROPN
gujaf-364	52	3	nasiru	nasiru	PROPN
gujaf-364	52	4	yunusa	yunusa	PROPN
gujaf-364	52	5	department	department	PROPN
gujaf-364	52	6	of	of	ADP
gujaf-364	52	7	accounting	accounting	NOUN
gujaf-364	52	8	,	,	PUNCT
gujaf-364	52	9	ahmadu	ahmadu	PROPN
gujaf-364	52	10	bello	bello	PROPN
gujaf-364	52	11	university	university	PROPN
gujaf-364	52	12	zaria	zaria	PROPN
gujaf-364	52	13	.	.	PUNCT
gujaf-364	53	1	dr	dr	PROPN
gujaf-364	53	2	.	.	PROPN
gujaf-364	53	3	aisha	aisha	PROPN
gujaf-364	53	4	nuhu	nuhu	PROPN
gujaf-364	53	5	muhammad	muhammad	PROPN
gujaf-364	53	6	department	department	PROPN
gujaf-364	53	7	of	of	ADP
gujaf-364	53	8	accounting	accounting	PROPN
gujaf-364	53	9	,	,	PUNCT
gujaf-364	53	10	ahmadu	ahmadu	PROPN
gujaf-364	53	11	bello	bello	PROPN
gujaf-364	53	12	university	university	PROPN
gujaf-364	53	13	zaria	zaria	PROPN
gujaf-364	53	14	.	.	PUNCT
gujaf-364	54	1	dr	dr	PROPN
gujaf-364	54	2	.	.	PROPN
gujaf-364	54	3	lawal	lawal	PROPN
gujaf-364	54	4	muhammad	muhammad	PROPN
gujaf-364	54	5	department	department	PROPN
gujaf-364	54	6	of	of	ADP
gujaf-364	54	7	accounting	accounting	PROPN
gujaf-364	54	8	,	,	PUNCT
gujaf-364	54	9	ahmadu	ahmadu	PROPN
gujaf-364	54	10	bello	bello	PROPN
gujaf-364	54	11	university	university	PROPN
gujaf-364	54	12	zaria	zaria	PROPN
gujaf-364	54	13	.	.	PUNCT
gujaf-364	55	1	dr	dr	PROPN
gujaf-364	55	2	.	.	PROPN
gujaf-364	55	3	bashir	bashir	PROPN
gujaf-364	55	4	umar	umar	PROPN
gujaf-364	55	5	farouk	farouk	PROPN
gujaf-364	55	6	department	department	PROPN
gujaf-364	55	7	of	of	ADP
gujaf-364	55	8	economics	economic	NOUN
gujaf-364	55	9	,	,	PUNCT
gujaf-364	55	10	federal	federal	ADJ
gujaf-364	55	11	university	university	NOUN
gujaf-364	55	12	gusau	gusau	PROPN
gujaf-364	55	13	,	,	PUNCT
gujaf-364	55	14	zamfara	zamfara	PROPN
gujaf-364	55	15	state	state	PROPN
gujaf-364	55	16	.	.	PUNCT
gujaf-364	56	1	dr	dr	PROPN
gujaf-364	56	2	emmanuel	emmanuel	PROPN
gujaf-364	56	3	omokhuale	omokhuale	PROPN
gujaf-364	56	4	department	department	PROPN
gujaf-364	56	5	of	of	ADP
gujaf-364	56	6	mathematics	mathematics	PROPN
gujaf-364	56	7	,	,	PUNCT
gujaf-364	56	8	federal	federal	ADJ
gujaf-364	56	9	university	university	NOUN
gujaf-364	56	10	gusau	gusau	NOUN
gujaf-364	56	11	,	,	PUNCT
gujaf-364	56	12	zamfara	zamfara	PROPN
gujaf-364	56	13	.	.	PUNCT
gujaf-364	57	1	state	state	PROPN
gujaf-364	57	2	advisory	advisory	PROPN
gujaf-364	57	3	board	board	NOUN
gujaf-364	57	4	members	members	PROPN
gujaf-364	57	5	prof	prof	PROPN
gujaf-364	57	6	.	.	PUNCT
gujaf-364	58	1	kabiru	kabiru	PROPN
gujaf-364	58	2	isah	isah	PROPN
gujaf-364	58	3	dandago	dandago	PROPN
gujaf-364	58	4	,	,	PUNCT
gujaf-364	58	5	bayero	bayero	PROPN
gujaf-364	58	6	university	university	PROPN
gujaf-364	58	7	kano	kano	PROPN
gujaf-364	58	8	,	,	PUNCT
gujaf-364	58	9	kano	kano	PROPN
gujaf-364	58	10	state	state	PROPN
gujaf-364	58	11	.	.	PUNCT
gujaf-364	59	1	prof	prof	PROPN
gujaf-364	59	2	a	a	DET
gujaf-364	59	3	m	m	NOUN
gujaf-364	59	4	bashir	bashir	NOUN
gujaf-364	59	5	,	,	PUNCT
gujaf-364	59	6	usmanu	usmanu	PROPN
gujaf-364	59	7	danfodiyo	danfodiyo	PROPN
gujaf-364	59	8	university	university	PROPN
gujaf-364	59	9	sokoto	sokoto	PROPN
gujaf-364	59	10	,	,	PUNCT
gujaf-364	59	11	sokoto	sokoto	PROPN
gujaf-364	59	12	state	state	PROPN
gujaf-364	59	13	.	.	PUNCT
gujaf-364	60	1	prof	prof	PROPN
gujaf-364	60	2	.	.	PUNCT
gujaf-364	61	1	muhammad	muhammad	PROPN
gujaf-364	61	2	tanko	tanko	PROPN
gujaf-364	61	3	,	,	PUNCT
gujaf-364	61	4	kaduna	kaduna	PROPN
gujaf-364	61	5	state	state	PROPN
gujaf-364	61	6	university	university	PROPN
gujaf-364	61	7	,	,	PUNCT
gujaf-364	61	8	kaduna	kaduna	PROPN
gujaf-364	61	9	.	.	PROPN
gujaf-364	61	10	prof	prof	PROPN
gujaf-364	61	11	.	.	PUNCT
gujaf-364	61	12	bayero	bayero	PROPN
gujaf-364	62	1	a	a	DET
gujaf-364	62	2	m	m	NOUN
gujaf-364	62	3	sabir	sabir	NOUN
gujaf-364	62	4	,	,	PUNCT
gujaf-364	62	5	usmanu	usmanu	PROPN
gujaf-364	62	6	danfodiyo	danfodiyo	PROPN
gujaf-364	62	7	university	university	PROPN
gujaf-364	62	8	sokoto	sokoto	PROPN
gujaf-364	62	9	,	,	PUNCT
gujaf-364	62	10	sokoto	sokoto	PROPN
gujaf-364	62	11	state	state	PROPN
gujaf-364	62	12	.	.	PUNCT
gujaf-364	63	1	prof	prof	PROPN
gujaf-364	63	2	.	.	PUNCT
gujaf-364	64	1	aliyu	aliyu	PROPN
gujaf-364	64	2	sulaiman	sulaiman	PROPN
gujaf-364	64	3	kantudu	kantudu	PROPN
gujaf-364	64	4	,	,	PUNCT
gujaf-364	64	5	bayero	bayero	PROPN
gujaf-364	64	6	university	university	PROPN
gujaf-364	64	7	kano	kano	PROPN
gujaf-364	64	8	,	,	PUNCT
gujaf-364	64	9	kano	kano	PROPN
gujaf-364	64	10	state	state	PROPN
gujaf-364	64	11	.	.	PUNCT
gujaf-364	65	1	editorial	editorial	PROPN
gujaf-364	65	2	secretary	secretary	PROPN
gujaf-364	65	3	yazid	yazid	PROPN
gujaf-364	65	4	kabir	kabir	PROPN
gujaf-364	65	5	ibrahim	ibrahim	PROPN
gujaf-364	65	6	department	department	PROPN
gujaf-364	65	7	of	of	ADP
gujaf-364	65	8	accounting	accounting	NOUN
gujaf-364	65	9	and	and	CCONJ
gujaf-364	65	10	finance	finance	NOUN
gujaf-364	65	11	,	,	PUNCT
gujaf-364	65	12	federal	federal	ADJ
gujaf-364	65	13	university	university	NOUN
gujaf-364	65	14	gusau	gusau	PROPN
gujaf-364	65	15	,	,	PUNCT
gujaf-364	65	16	zamfara	zamfara	PROPN
gujaf-364	65	17	state	state	PROPN
gujaf-364	65	18	.	.	PUNCT
gujaf-364	66	1	gusau	gusau	PROPN
gujaf-364	66	2	journal	journal	PROPN
gujaf-364	66	3	of	of	ADP
gujaf-364	66	4	accounting	accounting	NOUN
gujaf-364	66	5	and	and	CCONJ
gujaf-364	66	6	finance	finance	NOUN
gujaf-364	66	7	,	,	PUNCT
gujaf-364	66	8	vol.6	vol.6	PROPN
gujaf-364	66	9	,	,	PUNCT
gujaf-364	66	10	issue	issue	NOUN
gujaf-364	66	11	1	1	NUM
gujaf-364	66	12	,	,	PUNCT
gujaf-364	66	13	april	april	PROPN
gujaf-364	66	14	,	,	PUNCT
gujaf-364	66	15	2025	2025	NUM
gujaf-364	66	16	vi	vi	NOUN
gujaf-364	66	17	call	call	NOUN
gujaf-364	66	18	for	for	ADP
gujaf-364	66	19	papers	paper	NOUN
gujaf-364	66	20	the	the	DET
gujaf-364	66	21	editorial	editorial	ADJ
gujaf-364	66	22	board	board	NOUN
gujaf-364	66	23	of	of	ADP
gujaf-364	66	24	gusau	gusau	PROPN
gujaf-364	66	25	journal	journal	PROPN
gujaf-364	66	26	of	of	ADP
gujaf-364	66	27	accounting	accounting	NOUN
gujaf-364	66	28	and	and	CCONJ
gujaf-364	66	29	finance	finance	NOUN
gujaf-364	66	30	(	(	PUNCT
gujaf-364	66	31	gujaf	gujaf	NOUN
gujaf-364	66	32	)	)	PUNCT
gujaf-364	66	33	is	be	AUX
gujaf-364	66	34	hereby	hereby	ADV
gujaf-364	66	35	inviting	invite	VERB
gujaf-364	66	36	authors	author	NOUN
gujaf-364	66	37	to	to	PART
gujaf-364	66	38	submit	submit	VERB
gujaf-364	66	39	their	their	PRON
gujaf-364	66	40	unpublished	unpublished	ADJ
gujaf-364	66	41	manuscript	manuscript	NOUN
gujaf-364	66	42	for	for	ADP
gujaf-364	66	43	publication	publication	NOUN
gujaf-364	66	44	.	.	PUNCT
gujaf-364	67	1	the	the	DET
gujaf-364	67	2	journal	journal	NOUN
gujaf-364	67	3	is	be	AUX
gujaf-364	67	4	published	publish	VERB
gujaf-364	67	5	in	in	ADP
gujaf-364	67	6	two	two	NUM
gujaf-364	67	7	issues	issue	NOUN
gujaf-364	67	8	of	of	ADP
gujaf-364	67	9	april	april	PROPN
gujaf-364	67	10	and	and	CCONJ
gujaf-364	67	11	october	october	PROPN
gujaf-364	67	12	annually	annually	ADV
gujaf-364	67	13	.	.	PUNCT
gujaf-364	68	1	gujaf	gujaf	NOUN
gujaf-364	68	2	is	be	AUX
gujaf-364	68	3	a	a	DET
gujaf-364	68	4	double	double	ADJ
gujaf-364	68	5	-	-	PUNCT
gujaf-364	68	6	blind	blind	ADJ
gujaf-364	68	7	peer	peer	NOUN
gujaf-364	68	8	reviewed	review	VERB
gujaf-364	68	9	journal	journal	NOUN
gujaf-364	68	10	published	publish	VERB
gujaf-364	68	11	by	by	ADP
gujaf-364	68	12	the	the	DET
gujaf-364	68	13	department	department	NOUN
gujaf-364	68	14	of	of	ADP
gujaf-364	68	15	accounting	accounting	NOUN
gujaf-364	68	16	and	and	CCONJ
gujaf-364	68	17	finance	finance	NOUN
gujaf-364	68	18	,	,	PUNCT
gujaf-364	68	19	faculty	faculty	NOUN
gujaf-364	68	20	of	of	ADP
gujaf-364	68	21	management	management	NOUN
gujaf-364	68	22	and	and	CCONJ
gujaf-364	68	23	social	social	ADJ
gujaf-364	68	24	sciences	science	NOUN
gujaf-364	68	25	,	,	PUNCT
gujaf-364	68	26	federal	federal	ADJ
gujaf-364	68	27	university	university	NOUN
gujaf-364	68	28	gusau	gusau	NOUN
gujaf-364	68	29	,	,	PUNCT
gujaf-364	68	30	zamfara	zamfara	PROPN
gujaf-364	68	31	state	state	PROPN
gujaf-364	68	32	nigeria	nigeria	PROPN
gujaf-364	68	33	the	the	DET
gujaf-364	68	34	journal	journal	PROPN
gujaf-364	68	35	accepts	accept	VERB
gujaf-364	68	36	papers	paper	NOUN
gujaf-364	68	37	in	in	ADP
gujaf-364	68	38	all	all	DET
gujaf-364	68	39	areas	area	NOUN
gujaf-364	68	40	of	of	ADP
gujaf-364	68	41	accounting	accounting	NOUN
gujaf-364	68	42	and	and	CCONJ
gujaf-364	68	43	finance	finance	NOUN
gujaf-364	68	44	for	for	ADP
gujaf-364	68	45	publication	publication	NOUN
gujaf-364	68	46	which	which	PRON
gujaf-364	68	47	include	include	VERB
gujaf-364	68	48	:	:	PUNCT
gujaf-364	68	49	accounting	accounting	NOUN
gujaf-364	68	50	standards	standard	NOUN
gujaf-364	68	51	,	,	PUNCT
gujaf-364	68	52	accounting	account	VERB
gujaf-364	68	53	information	information	NOUN
gujaf-364	68	54	system	system	NOUN
gujaf-364	68	55	,	,	PUNCT
gujaf-364	68	56	financial	financial	ADJ
gujaf-364	68	57	reporting	reporting	NOUN
gujaf-364	68	58	,	,	PUNCT
gujaf-364	68	59	earnings	earning	NOUN
gujaf-364	68	60	management	management	NOUN
gujaf-364	68	61	,	,	PUNCT
gujaf-364	68	62	,	,	PUNCT
gujaf-364	68	63	auditing	auditing	NOUN
gujaf-364	68	64	and	and	CCONJ
gujaf-364	68	65	investigation	investigation	NOUN
gujaf-364	68	66	,	,	PUNCT
gujaf-364	68	67	auditing	auditing	NOUN
gujaf-364	68	68	and	and	CCONJ
gujaf-364	68	69	standards	standard	NOUN
gujaf-364	68	70	,	,	PUNCT
gujaf-364	68	71	public	public	ADJ
gujaf-364	68	72	sector	sector	NOUN
gujaf-364	68	73	accounting	accounting	NOUN
gujaf-364	68	74	and	and	CCONJ
gujaf-364	68	75	auditing	auditing	NOUN
gujaf-364	68	76	,	,	PUNCT
gujaf-364	68	77	taxation	taxation	NOUN
gujaf-364	68	78	and	and	CCONJ
gujaf-364	68	79	revenue	revenue	NOUN
gujaf-364	68	80	administration	administration	NOUN
gujaf-364	68	81	,	,	PUNCT
gujaf-364	68	82	corporate	corporate	ADJ
gujaf-364	68	83	governance	governance	NOUN
gujaf-364	68	84	issues	issue	NOUN
gujaf-364	68	85	,	,	PUNCT
gujaf-364	68	86	corporate	corporate	ADJ
gujaf-364	68	87	social	social	ADJ
gujaf-364	68	88	responsibility	responsibility	NOUN
gujaf-364	68	89	,	,	PUNCT
gujaf-364	68	90	sustainability	sustainability	NOUN
gujaf-364	68	91	and	and	CCONJ
gujaf-364	68	92	environmental	environmental	ADJ
gujaf-364	68	93	reporting	reporting	NOUN
gujaf-364	68	94	issue	issue	NOUN
gujaf-364	68	95	,	,	PUNCT
gujaf-364	68	96	information	information	NOUN
gujaf-364	68	97	and	and	CCONJ
gujaf-364	68	98	communication	communication	NOUN
gujaf-364	68	99	technology	technology	NOUN
gujaf-364	68	100	issues	issue	NOUN
gujaf-364	68	101	,	,	PUNCT
gujaf-364	68	102	bankruptcy	bankruptcy	NOUN
gujaf-364	68	103	prediction	prediction	NOUN
gujaf-364	68	104	,	,	PUNCT
gujaf-364	68	105	corporate	corporate	ADJ
gujaf-364	68	106	finance	finance	NOUN
gujaf-364	68	107	,	,	PUNCT
gujaf-364	68	108	personal	personal	ADJ
gujaf-364	68	109	finance	finance	NOUN
gujaf-364	68	110	,	,	PUNCT
gujaf-364	68	111	merger	merger	NOUN
gujaf-364	68	112	and	and	CCONJ
gujaf-364	68	113	acquisitions	acquisition	NOUN
gujaf-364	68	114	,	,	PUNCT
gujaf-364	68	115	capital	capital	NOUN
gujaf-364	68	116	structure	structure	NOUN
gujaf-364	68	117	,	,	PUNCT
gujaf-364	68	118	working	work	VERB
gujaf-364	68	119	capital	capital	NOUN
gujaf-364	68	120	management	management	NOUN
gujaf-364	68	121	,	,	PUNCT
gujaf-364	68	122	enterprises	enterprise	NOUN
gujaf-364	68	123	risk	risk	NOUN
gujaf-364	68	124	management	management	NOUN
gujaf-364	68	125	,	,	PUNCT
gujaf-364	68	126	entrepreneurship	entrepreneurship	NOUN
gujaf-364	68	127	,	,	PUNCT
gujaf-364	68	128	international	international	ADJ
gujaf-364	68	129	business	business	NOUN
gujaf-364	68	130	accounting	accounting	NOUN
gujaf-364	68	131	and	and	CCONJ
gujaf-364	68	132	finance	finance	NOUN
gujaf-364	68	133	,	,	PUNCT
gujaf-364	68	134	banking	banking	NOUN
gujaf-364	68	135	crises	crisis	NOUN
gujaf-364	68	136	,	,	PUNCT
gujaf-364	68	137	bank	bank	NOUN
gujaf-364	68	138	’s	’s	PART
gujaf-364	68	139	profitability	profitability	NOUN
gujaf-364	68	140	,	,	PUNCT
gujaf-364	68	141	risk	risk	NOUN
gujaf-364	68	142	and	and	CCONJ
gujaf-364	68	143	insurance	insurance	NOUN
gujaf-364	68	144	issue	issue	NOUN
gujaf-364	68	145	,	,	PUNCT
gujaf-364	68	146	islamic	islamic	ADJ
gujaf-364	68	147	finance	finance	NOUN
gujaf-364	68	148	,	,	PUNCT
gujaf-364	68	149	conventional	conventional	ADJ
gujaf-364	68	150	and	and	CCONJ
gujaf-364	68	151	islamic	islamic	ADJ
gujaf-364	68	152	banks	bank	NOUN
gujaf-364	68	153	and	and	CCONJ
gujaf-364	68	154	so	so	ADV
gujaf-364	68	155	forth	forth	ADV
gujaf-364	68	156	.	.	PUNCT
gujaf-364	69	1	guidelines	guideline	NOUN
gujaf-364	69	2	for	for	ADP
gujaf-364	69	3	submission	submission	NOUN
gujaf-364	69	4	and	and	CCONJ
gujaf-364	69	5	manuscript	manuscript	NOUN
gujaf-364	69	6	format	format	VERB
gujaf-364	69	7	the	the	DET
gujaf-364	69	8	submission	submission	NOUN
gujaf-364	69	9	language	language	NOUN
gujaf-364	69	10	is	be	AUX
gujaf-364	69	11	english	english	PROPN
gujaf-364	69	12	and	and	CCONJ
gujaf-364	69	13	must	must	AUX
gujaf-364	69	14	be	be	AUX
gujaf-364	69	15	a	a	DET
gujaf-364	69	16	well	well	ADV
gujaf-364	69	17	-	-	PUNCT
gujaf-364	69	18	researched	research	VERB
gujaf-364	69	19	original	original	ADJ
gujaf-364	69	20	manuscript	manuscript	NOUN
gujaf-364	69	21	that	that	PRON
gujaf-364	69	22	has	have	AUX
gujaf-364	69	23	not	not	PART
gujaf-364	69	24	previously	previously	ADV
gujaf-364	69	25	been	be	AUX
gujaf-364	69	26	submitted	submit	VERB
gujaf-364	69	27	elsewhere	elsewhere	ADV
gujaf-364	69	28	for	for	ADP
gujaf-364	69	29	publication	publication	NOUN
gujaf-364	69	30	.	.	PUNCT
gujaf-364	70	1	the	the	DET
gujaf-364	70	2	paper	paper	NOUN
gujaf-364	70	3	should	should	AUX
gujaf-364	70	4	not	not	PART
gujaf-364	70	5	exceed	exceed	VERB
gujaf-364	70	6	more	more	ADJ
gujaf-364	70	7	than	than	ADP
gujaf-364	70	8	15	15	NUM
gujaf-364	70	9	pages	page	NOUN
gujaf-364	70	10	on	on	ADP
gujaf-364	70	11	a4	a4	NOUN
gujaf-364	70	12	type	type	NOUN
gujaf-364	70	13	paper	paper	NOUN
gujaf-364	70	14	in	in	ADP
gujaf-364	70	15	ms	ms	ADJ
gujaf-364	70	16	-	-	PUNCT
gujaf-364	70	17	word	word	NOUN
gujaf-364	70	18	format	format	NOUN
gujaf-364	70	19	,	,	PUNCT
gujaf-364	70	20	1.5	1.5	NUM
gujaf-364	70	21	-	-	PUNCT
gujaf-364	70	22	line	line	NOUN
gujaf-364	70	23	spacing	spacing	NOUN
gujaf-364	70	24	,	,	PUNCT
gujaf-364	70	25	12	12	NUM
gujaf-364	70	26	font	font	NOUN
gujaf-364	70	27	size	size	NOUN
gujaf-364	70	28	in	in	ADP
gujaf-364	70	29	times	time	NOUN
gujaf-364	70	30	new	new	ADJ
gujaf-364	70	31	roman	roman	NOUN
gujaf-364	70	32	.	.	PUNCT
gujaf-364	71	1	manuscript	manuscript	NOUN
gujaf-364	71	2	should	should	AUX
gujaf-364	71	3	be	be	AUX
gujaf-364	71	4	tested	test	VERB
gujaf-364	71	5	for	for	ADP
gujaf-364	71	6	plagiarism	plagiarism	NOUN
gujaf-364	71	7	before	before	ADP
gujaf-364	71	8	submission	submission	NOUN
gujaf-364	71	9	,	,	PUNCT
gujaf-364	71	10	as	as	SCONJ
gujaf-364	71	11	the	the	DET
gujaf-364	71	12	maximum	maximum	ADJ
gujaf-364	71	13	similarity	similarity	NOUN
gujaf-364	71	14	index	index	NOUN
gujaf-364	71	15	acceptable	acceptable	ADJ
gujaf-364	71	16	by	by	ADP
gujaf-364	71	17	gujaf	gujaf	NOUN
gujaf-364	71	18	is	be	AUX
gujaf-364	71	19	25	25	NUM
gujaf-364	71	20	percent	percent	NOUN
gujaf-364	71	21	.	.	PUNCT
gujaf-364	72	1	furthermore	furthermore	ADV
gujaf-364	72	2	,	,	PUNCT
gujaf-364	72	3	the	the	DET
gujaf-364	72	4	length	length	NOUN
gujaf-364	72	5	of	of	ADP
gujaf-364	72	6	a	a	DET
gujaf-364	72	7	complete	complete	ADJ
gujaf-364	72	8	article	article	NOUN
gujaf-364	72	9	should	should	AUX
gujaf-364	72	10	not	not	PART
gujaf-364	72	11	exceed	exceed	VERB
gujaf-364	72	12	5000	5000	NUM
gujaf-364	72	13	words	word	NOUN
gujaf-364	72	14	including	include	VERB
gujaf-364	72	15	an	an	DET
gujaf-364	72	16	abstract	abstract	NOUN
gujaf-364	72	17	of	of	ADP
gujaf-364	72	18	not	not	PART
gujaf-364	72	19	more	more	ADJ
gujaf-364	72	20	than	than	ADP
gujaf-364	72	21	250	250	NUM
gujaf-364	72	22	words	word	NOUN
gujaf-364	72	23	with	with	ADP
gujaf-364	72	24	a	a	DET
gujaf-364	72	25	minimum	minimum	NOUN
gujaf-364	72	26	of	of	ADP
gujaf-364	72	27	four	four	NUM
gujaf-364	72	28	key	key	ADJ
gujaf-364	72	29	words	word	NOUN
gujaf-364	72	30	immediately	immediately	ADV
gujaf-364	72	31	after	after	ADP
gujaf-364	72	32	the	the	DET
gujaf-364	72	33	abstract	abstract	NOUN
gujaf-364	72	34	.	.	PUNCT
gujaf-364	73	1	all	all	DET
gujaf-364	73	2	references	reference	NOUN
gujaf-364	73	3	including	include	VERB
gujaf-364	73	4	in	in	ADP
gujaf-364	73	5	text	text	NOUN
gujaf-364	73	6	citation	citation	NOUN
gujaf-364	73	7	and	and	CCONJ
gujaf-364	73	8	reference	reference	NOUN
gujaf-364	73	9	list	list	NOUN
gujaf-364	73	10	,	,	PUNCT
gujaf-364	73	11	tables	table	NOUN
gujaf-364	73	12	and	and	CCONJ
gujaf-364	73	13	figures	figure	NOUN
gujaf-364	73	14	should	should	AUX
gujaf-364	73	15	be	be	AUX
gujaf-364	73	16	in	in	ADP
gujaf-364	73	17	line	line	NOUN
gujaf-364	73	18	with	with	ADP
gujaf-364	73	19	apa	apa	PROPN
gujaf-364	73	20	7th	7th	PROPN
gujaf-364	73	21	edition	edition	NOUN
gujaf-364	73	22	publication	publication	NOUN
gujaf-364	73	23	manual	manual	NOUN
gujaf-364	73	24	.	.	PUNCT
gujaf-364	74	1	finally	finally	ADV
gujaf-364	74	2	,	,	PUNCT
gujaf-364	74	3	manuscript	manuscript	NOUN
gujaf-364	74	4	should	should	AUX
gujaf-364	74	5	be	be	AUX
gujaf-364	74	6	send	send	VERB
gujaf-364	74	7	to	to	ADP
gujaf-364	74	8	our	our	PRON
gujaf-364	74	9	email	email	NOUN
gujaf-364	74	10	address	address	NOUN
gujaf-364	74	11	elfarouk105@gmail.com	elfarouk105@gmail.com	X
gujaf-364	74	12	and	and	CCONJ
gujaf-364	74	13	a	a	DET
gujaf-364	74	14	copy	copy	NOUN
gujaf-364	74	15	to	to	ADP
gujaf-364	74	16	our	our	PRON
gujaf-364	74	17	website	website	NOUN
gujaf-364	74	18	on	on	ADP
gujaf-364	74	19	journals.gujaf.com.ng	journals.gujaf.com.ng	PROPN
gujaf-364	74	20	gusau	gusau	PROPN
gujaf-364	74	21	journal	journal	NOUN
gujaf-364	74	22	of	of	ADP
gujaf-364	74	23	accounting	accounting	NOUN
gujaf-364	74	24	and	and	CCONJ
gujaf-364	74	25	finance	finance	NOUN
gujaf-364	74	26	,	,	PUNCT
gujaf-364	74	27	vol.6	vol.6	PROPN
gujaf-364	74	28	,	,	PUNCT
gujaf-364	74	29	issue	issue	NOUN
gujaf-364	74	30	1	1	NUM
gujaf-364	74	31	,	,	PUNCT
gujaf-364	74	32	april	april	PROPN
gujaf-364	74	33	,	,	PUNCT
gujaf-364	74	34	2025	2025	NUM
gujaf-364	74	35	vii	vii	PROPN
gujaf-364	74	36	publication	publication	NOUN
gujaf-364	74	37	procedure	procedure	NOUN
gujaf-364	74	38	after	after	ADP
gujaf-364	74	39	receiving	receive	VERB
gujaf-364	74	40	a	a	DET
gujaf-364	74	41	manuscript	manuscript	NOUN
gujaf-364	74	42	that	that	PRON
gujaf-364	74	43	is	be	AUX
gujaf-364	74	44	within	within	ADP
gujaf-364	74	45	the	the	DET
gujaf-364	74	46	similarity	similarity	NOUN
gujaf-364	74	47	index	index	NOUN
gujaf-364	74	48	threshold	threshold	NOUN
gujaf-364	74	49	,	,	PUNCT
gujaf-364	74	50	a	a	DET
gujaf-364	74	51	confirmation	confirmation	NOUN
gujaf-364	74	52	email	email	NOUN
gujaf-364	74	53	will	will	AUX
gujaf-364	74	54	be	be	AUX
gujaf-364	74	55	send	send	VERB
gujaf-364	74	56	together	together	ADV
gujaf-364	74	57	with	with	ADP
gujaf-364	74	58	a	a	DET
gujaf-364	74	59	request	request	NOUN
gujaf-364	74	60	to	to	PART
gujaf-364	74	61	pay	pay	VERB
gujaf-364	74	62	a	a	DET
gujaf-364	74	63	review	review	NOUN
gujaf-364	74	64	proceeding	proceeding	NOUN
gujaf-364	74	65	fee	fee	NOUN
gujaf-364	74	66	.	.	PUNCT
gujaf-364	75	1	at	at	ADP
gujaf-364	75	2	this	this	DET
gujaf-364	75	3	point	point	NOUN
gujaf-364	75	4	,	,	PUNCT
gujaf-364	75	5	the	the	DET
gujaf-364	75	6	editorial	editorial	ADJ
gujaf-364	75	7	board	board	NOUN
gujaf-364	75	8	will	will	AUX
gujaf-364	75	9	take	take	VERB
gujaf-364	75	10	a	a	DET
gujaf-364	75	11	decision	decision	NOUN
gujaf-364	75	12	on	on	ADP
gujaf-364	75	13	accepting	accept	VERB
gujaf-364	75	14	,	,	PUNCT
gujaf-364	75	15	rejecting	reject	VERB
gujaf-364	75	16	or	or	CCONJ
gujaf-364	75	17	making	make	VERB
gujaf-364	75	18	a	a	DET
gujaf-364	75	19	resubmission	resubmission	NOUN
gujaf-364	75	20	of	of	ADP
gujaf-364	75	21	the	the	DET
gujaf-364	75	22	manuscript	manuscript	NOUN
gujaf-364	75	23	based	base	VERB
gujaf-364	75	24	on	on	ADP
gujaf-364	75	25	the	the	DET
gujaf-364	75	26	outcome	outcome	NOUN
gujaf-364	75	27	of	of	ADP
gujaf-364	75	28	the	the	DET
gujaf-364	75	29	double	double	ADJ
gujaf-364	75	30	-	-	PUNCT
gujaf-364	75	31	blind	blind	ADJ
gujaf-364	75	32	peer	peer	NOUN
gujaf-364	75	33	review	review	NOUN
gujaf-364	75	34	.	.	PUNCT
gujaf-364	76	1	those	those	DET
gujaf-364	76	2	authors	author	NOUN
gujaf-364	76	3	whose	whose	DET
gujaf-364	76	4	manuscript	manuscript	NOUN
gujaf-364	76	5	were	be	AUX
gujaf-364	76	6	accepted	accept	VERB
gujaf-364	76	7	for	for	ADP
gujaf-364	76	8	publication	publication	NOUN
gujaf-364	76	9	will	will	AUX
gujaf-364	76	10	be	be	AUX
gujaf-364	76	11	asked	ask	VERB
gujaf-364	76	12	to	to	PART
gujaf-364	76	13	pay	pay	VERB
gujaf-364	76	14	a	a	DET
gujaf-364	76	15	publication	publication	NOUN
gujaf-364	76	16	fee	fee	NOUN
gujaf-364	76	17	,	,	PUNCT
gujaf-364	76	18	after	after	ADP
gujaf-364	76	19	effecting	effect	VERB
gujaf-364	76	20	all	all	DET
gujaf-364	76	21	suggested	suggest	VERB
gujaf-364	76	22	corrections	correction	NOUN
gujaf-364	76	23	and	and	CCONJ
gujaf-364	76	24	changes	change	NOUN
gujaf-364	76	25	made	make	VERB
gujaf-364	76	26	on	on	ADP
gujaf-364	76	27	the	the	DET
gujaf-364	76	28	manuscript	manuscript	NOUN
gujaf-364	76	29	.	.	PUNCT
gujaf-364	77	1	all	all	DET
gujaf-364	77	2	corrected	correct	VERB
gujaf-364	77	3	papers	paper	NOUN
gujaf-364	77	4	returned	return	VERB
gujaf-364	77	5	within	within	ADP
gujaf-364	77	6	the	the	DET
gujaf-364	77	7	specified	specify	VERB
gujaf-364	77	8	time	time	NOUN
gujaf-364	77	9	frame	frame	NOUN
gujaf-364	77	10	will	will	AUX
gujaf-364	77	11	be	be	AUX
gujaf-364	77	12	published	publish	VERB
gujaf-364	77	13	in	in	ADP
gujaf-364	77	14	that	that	DET
gujaf-364	77	15	issue	issue	NOUN
gujaf-364	77	16	.	.	PUNCT
gujaf-364	78	1	payment	payment	NOUN
gujaf-364	78	2	details	detail	NOUN
gujaf-364	78	3	bank	bank	NOUN
gujaf-364	78	4	:	:	PUNCT
gujaf-364	78	5	fcmb	fcmb	PROPN
gujaf-364	78	6	account	account	PROPN
gujaf-364	78	7	number	number	NOUN
gujaf-364	78	8	:	:	PUNCT
gujaf-364	78	9	7278465011	7278465011	NUM
gujaf-364	78	10	account	account	NOUN
gujaf-364	78	11	name	name	NOUN
gujaf-364	78	12	:	:	PUNCT
gujaf-364	78	13	gusau	gusau	PROPN
gujaf-364	78	14	journal	journal	NOUN
gujaf-364	78	15	of	of	ADP
gujaf-364	78	16	accounting	accounting	NOUN
gujaf-364	78	17	and	and	CCONJ
gujaf-364	78	18	finance	finance	NOUN
gujaf-364	78	19	for	for	ADP
gujaf-364	78	20	inquiry	inquiry	NOUN
gujaf-364	78	21	,	,	PUNCT
gujaf-364	78	22	contact	contact	NOUN
gujaf-364	78	23	:	:	PUNCT
gujaf-364	78	24	dr	dr	PROPN
gujaf-364	78	25	.	.	PROPN
gujaf-364	78	26	a.u	a.u	PROPN
gujaf-364	78	27	.	.	PROPN
gujaf-364	78	28	farouk	farouk	PROPN
gujaf-364	78	29	department	department	PROPN
gujaf-364	78	30	of	of	ADP
gujaf-364	78	31	accounting	accounting	NOUN
gujaf-364	78	32	and	and	CCONJ
gujaf-364	78	33	finance	finance	NOUN
gujaf-364	78	34	,	,	PUNCT
gujaf-364	78	35	federal	federal	ADJ
gujaf-364	78	36	university	university	NOUN
gujaf-364	78	37	gusau	gusau	PROPN
gujaf-364	78	38	,	,	PUNCT
gujaf-364	78	39	zamfara	zamfara	PROPN
gujaf-364	78	40	state	state	PROPN
gujaf-364	78	41	.	.	PUNCT
gujaf-364	79	1	elfarouk105@gmail.com	elfarouk105@gmail.com	X
gujaf-364	80	1	+2348069393824	+2348069393824	PRON
gujaf-364	80	2	for	for	ADP
gujaf-364	80	3	more	more	ADJ
gujaf-364	80	4	information	information	NOUN
gujaf-364	80	5	,	,	PUNCT
gujaf-364	80	6	contact	contact	VERB
gujaf-364	80	7	the	the	DET
gujaf-364	80	8	editor	editor	NOUN
gujaf-364	80	9	-	-	PUNCT
gujaf-364	80	10	in	in	ADP
gujaf-364	80	11	-	-	PUNCT
gujaf-364	80	12	chief	chief	NOUN
gujaf-364	80	13	on	on	ADP
gujaf-364	80	14	+2348067766435	+2348067766435	NUM
gujaf-364	80	15	the	the	DET
gujaf-364	80	16	associate	associate	ADJ
gujaf-364	80	17	editor	editor	NOUN
gujaf-364	80	18	on	on	ADP
gujaf-364	80	19	+2348036057525	+2348036057525	NUM
gujaf-364	80	20	or	or	CCONJ
gujaf-364	80	21	visit	visit	VERB
gujaf-364	80	22	our	our	PRON
gujaf-364	80	23	website	website	NOUN
gujaf-364	80	24	on	on	ADP
gujaf-364	80	25	www.gujaf.com.ng	www.gujaf.com.ng	NOUN
gujaf-364	80	26	or	or	CCONJ
gujaf-364	80	27	journals.gujaf.com.ng	journals.gujaf.com.ng	PROPN
gujaf-364	80	28	gusau	gusau	ADJ
gujaf-364	80	29	journal	journal	NOUN
gujaf-364	80	30	of	of	ADP
gujaf-364	80	31	accounting	accounting	NOUN
gujaf-364	80	32	and	and	CCONJ
gujaf-364	80	33	finance	finance	NOUN
gujaf-364	80	34	,	,	PUNCT
gujaf-364	80	35	vol.6	vol.6	PROPN
gujaf-364	80	36	,	,	PUNCT
gujaf-364	80	37	issue	issue	NOUN
gujaf-364	80	38	1	1	NUM
gujaf-364	80	39	,	,	PUNCT
gujaf-364	80	40	april	april	PROPN
gujaf-364	80	41	,	,	PUNCT
gujaf-364	80	42	2025	2025	NUM
gujaf-364	80	43	viii	viii	ADJ
gujaf-364	80	44	contents	content	NOUN
gujaf-364	80	45	fintech	fintech	NOUN
gujaf-364	80	46	penetration	penetration	NOUN
gujaf-364	80	47	and	and	CCONJ
gujaf-364	80	48	climate	climate	NOUN
gujaf-364	80	49	-	-	PUNCT
gujaf-364	80	50	smart	smart	ADJ
gujaf-364	80	51	infrastructure	infrastructure	NOUN
gujaf-364	80	52	:	:	PUNCT
gujaf-364	80	53	evidence	evidence	NOUN
gujaf-364	80	54	from	from	ADP
gujaf-364	80	55	renewable	renewable	ADJ
gujaf-364	80	56	energy	energy	NOUN
gujaf-364	80	57	financing	financing	NOUN
gujaf-364	80	58	in	in	ADP
gujaf-364	80	59	the	the	DET
gujaf-364	80	60	global	global	ADJ
gujaf-364	80	61	south	south	PROPN
gujaf-364	80	62	agbeyinka	agbeyinka	PROPN
gujaf-364	80	63	yinka	yinka	PROPN
gujaf-364	80	64	ibrahim	ibrahim	PROPN
gujaf-364	80	65	effect	effect	NOUN
gujaf-364	80	66	of	of	ADP
gujaf-364	80	67	portfolio	portfolio	NOUN
gujaf-364	80	68	management	management	NOUN
gujaf-364	80	69	practices	practice	NOUN
gujaf-364	80	70	on	on	ADP
gujaf-364	80	71	the	the	DET
gujaf-364	80	72	performance	performance	NOUN
gujaf-364	80	73	of	of	ADP
gujaf-364	80	74	some	some	DET
gujaf-364	80	75	selected	select	VERB
gujaf-364	80	76	small	small	ADJ
gujaf-364	80	77	and	and	CCONJ
gujaf-364	80	78	medium	medium	ADJ
gujaf-364	80	79	enterprises	enterprise	NOUN
gujaf-364	80	80	(	(	PUNCT
gujaf-364	80	81	smes	sme	NOUN
gujaf-364	80	82	)	)	PUNCT
gujaf-364	80	83	in	in	ADP
gujaf-364	80	84	niger	niger	PROPN
gujaf-364	80	85	state	state	NOUN
gujaf-364	80	86	,	,	PUNCT
gujaf-364	80	87	nigeria	nigeria	PROPN
gujaf-364	80	88	nasiru	nasiru	PROPN
gujaf-364	80	89	sulaiman	sulaiman	PROPN
gujaf-364	80	90	,	,	PUNCT
gujaf-364	80	91	isah	isah	PROPN
gujaf-364	80	92	ali	ali	PROPN
gujaf-364	80	93	working	working	PROPN
gujaf-364	80	94	capital	capital	PROPN
gujaf-364	80	95	management	management	NOUN
gujaf-364	80	96	and	and	CCONJ
gujaf-364	80	97	firm	firm	ADJ
gujaf-364	80	98	performance	performance	NOUN
gujaf-364	80	99	of	of	ADP
gujaf-364	80	100	high	high	ADJ
gujaf-364	80	101	-	-	PUNCT
gujaf-364	80	102	growth	growth	NOUN
gujaf-364	80	103	enterprises	enterprise	NOUN
gujaf-364	80	104	:	:	PUNCT
gujaf-364	80	105	evidence	evidence	NOUN
gujaf-364	80	106	of	of	ADP
gujaf-364	80	107	corporate	corporate	ADJ
gujaf-364	80	108	financial	financial	ADJ
gujaf-364	80	109	management	management	NOUN
gujaf-364	80	110	in	in	ADP
gujaf-364	80	111	emerging	emerge	VERB
gujaf-364	80	112	economies	economy	NOUN
gujaf-364	80	113	emmanuel	emmanuel	PROPN
gujaf-364	80	114	imuede	imuede	ADJ
gujaf-364	80	115	oyasor	oyasor	PROPN
gujaf-364	80	116	evaluating	evaluate	VERB
gujaf-364	80	117	the	the	DET
gujaf-364	80	118	debt	debt	NOUN
gujaf-364	80	119	-	-	PUNCT
gujaf-364	80	120	growth	growth	NOUN
gujaf-364	80	121	nexus	nexus	NOUN
gujaf-364	80	122	in	in	ADP
gujaf-364	80	123	ecowas	ecowas	PROPN
gujaf-364	80	124	:	:	PUNCT
gujaf-364	80	125	an	an	DET
gujaf-364	80	126	integrative	integrative	ADJ
gujaf-364	80	127	framework	framework	NOUN
gujaf-364	80	128	of	of	ADP
gujaf-364	80	129	the	the	DET
gujaf-364	80	130	burden	burden	NOUN
gujaf-364	80	131	of	of	ADP
gujaf-364	80	132	debt	debt	NOUN
gujaf-364	80	133	servicing	servicing	NOUN
gujaf-364	80	134	.	.	PUNCT
gujaf-364	81	1	ahmed	ahmed	PROPN
gujaf-364	81	2	oluwatobi	oluwatobi	PROPN
gujaf-364	81	3	adekunle	adekunle	PROPN
gujaf-364	81	4	exchange	exchange	NOUN
gujaf-364	81	5	rate	rate	NOUN
gujaf-364	81	6	fluctuation	fluctuation	NOUN
gujaf-364	81	7	and	and	CCONJ
gujaf-364	81	8	financial	financial	ADJ
gujaf-364	81	9	performance	performance	NOUN
gujaf-364	81	10	of	of	ADP
gujaf-364	81	11	listed	list	VERB
gujaf-364	81	12	manufacturing	manufacturing	NOUN
gujaf-364	81	13	companies	company	NOUN
gujaf-364	81	14	in	in	ADP
gujaf-364	81	15	nigeria	nigeria	PROPN
gujaf-364	81	16	.	.	PUNCT
gujaf-364	82	1	yusuf	yusuf	PROPN
gujaf-364	82	2	olamilekan	olamilekan	PROPN
gujaf-364	82	3	quadri	quadri	PROPN
gujaf-364	82	4	governance	governance	NOUN
gujaf-364	82	5	,	,	PUNCT
gujaf-364	82	6	digital	digital	ADJ
gujaf-364	82	7	financial	financial	ADJ
gujaf-364	82	8	innovations	innovation	NOUN
gujaf-364	82	9	,	,	PUNCT
gujaf-364	82	10	and	and	CCONJ
gujaf-364	82	11	green	green	ADJ
gujaf-364	82	12	growth	growth	NOUN
gujaf-364	82	13	:	:	PUNCT
gujaf-364	82	14	assessing	assess	VERB
gujaf-364	82	15	the	the	DET
gujaf-364	82	16	impact	impact	NOUN
gujaf-364	82	17	of	of	ADP
gujaf-364	82	18	fintech	fintech	NOUN
gujaf-364	82	19	on	on	ADP
gujaf-364	82	20	carbon	carbon	NOUN
gujaf-364	82	21	neutrality	neutrality	NOUN
gujaf-364	82	22	in	in	ADP
gujaf-364	82	23	developing	develop	VERB
gujaf-364	82	24	countries	country	NOUN
gujaf-364	82	25	.	.	PUNCT
gujaf-364	83	1	nageri	nageri	PROPN
gujaf-364	83	2	kamaldeen	kamaldeen	VERB
gujaf-364	83	3	evaluating	evaluate	VERB
gujaf-364	83	4	the	the	DET
gujaf-364	83	5	effectiveness	effectiveness	NOUN
gujaf-364	83	6	of	of	ADP
gujaf-364	83	7	forensic	forensic	ADJ
gujaf-364	83	8	accounting	accounting	NOUN
gujaf-364	83	9	competencies	competency	NOUN
gujaf-364	83	10	in	in	ADP
gujaf-364	83	11	combating	combat	VERB
gujaf-364	83	12	public	public	ADJ
gujaf-364	83	13	sector	sector	NOUN
gujaf-364	83	14	fraud	fraud	NOUN
gujaf-364	83	15	in	in	ADP
gujaf-364	83	16	ministry	ministry	PROPN
gujaf-364	83	17	of	of	ADP
gujaf-364	83	18	finance	finance	PROPN
gujaf-364	83	19	in	in	ADP
gujaf-364	83	20	northwestern	northwestern	PROPN
gujaf-364	83	21	nigeria	nigeria	PROPN
gujaf-364	83	22	.	.	PUNCT
gujaf-364	84	1	sulaimam	sulaimam	NOUN
gujaf-364	84	2	sabo	sabo	PROPN
gujaf-364	84	3	,	,	PUNCT
gujaf-364	84	4	prof	prof	NOUN
gujaf-364	84	5	musa	musa	PROPN
gujaf-364	84	6	farouk	farouk	PROPN
gujaf-364	84	7	adeiza	adeiza	PROPN
gujaf-364	84	8	,	,	PUNCT
gujaf-364	84	9	saidu	saidu	PROPN
gujaf-364	84	10	,	,	PUNCT
gujaf-364	84	11	ibrahim	ibrahim	PROPN
gujaf-364	84	12	halidu	halidu	PROPN
gujaf-364	84	13	,	,	PUNCT
gujaf-364	84	14	ph.d	ph.d	PROPN
gujaf-364	84	15	.	.	PROPN
gujaf-364	84	16	abdullahi	abdullahi	PROPN
gujaf-364	85	1	ya'u	ya'u	PROPN
gujaf-364	85	2	usman	usman	PROPN
gujaf-364	85	3	effect	effect	NOUN
gujaf-364	85	4	of	of	ADP
gujaf-364	85	5	capital	capital	NOUN
gujaf-364	85	6	adequacy	adequacy	NOUN
gujaf-364	85	7	and	and	CCONJ
gujaf-364	85	8	liquidity	liquidity	NOUN
gujaf-364	85	9	management	management	NOUN
gujaf-364	85	10	on	on	ADP
gujaf-364	85	11	financial	financial	ADJ
gujaf-364	85	12	performance	performance	NOUN
gujaf-364	85	13	of	of	ADP
gujaf-364	85	14	listed	list	VERB
gujaf-364	85	15	deposit	deposit	NOUN
gujaf-364	85	16	money	money	NOUN
gujaf-364	85	17	banks	bank	NOUN
gujaf-364	85	18	in	in	ADP
gujaf-364	85	19	nigeria	nigeria	PROPN
gujaf-364	85	20	.	.	PUNCT
gujaf-364	86	1	joseph	joseph	PROPN
gujaf-364	86	2	olorunfemi	olorunfemi	VERB
gujaf-364	86	3	akande	akande	VERB
gujaf-364	86	4	the	the	DET
gujaf-364	86	5	intermediating	intermediating	ADJ
gujaf-364	86	6	role	role	NOUN
gujaf-364	86	7	of	of	ADP
gujaf-364	86	8	financial	financial	ADJ
gujaf-364	86	9	literacy	literacy	NOUN
gujaf-364	86	10	in	in	ADP
gujaf-364	86	11	the	the	DET
gujaf-364	86	12	microfinance	microfinance	NOUN
gujaf-364	86	13	sustainability	sustainability	NOUN
gujaf-364	86	14	nexus	nexus	NOUN
gujaf-364	86	15	:	:	PUNCT
gujaf-364	86	16	evidence	evidence	NOUN
gujaf-364	86	17	from	from	ADP
gujaf-364	86	18	women	woman	NOUN
gujaf-364	86	19	-	-	PUNCT
gujaf-364	86	20	led	lead	VERB
gujaf-364	86	21	smse	smse	ADJ
gujaf-364	86	22	in	in	ADP
gujaf-364	86	23	nigeria	nigeria	PROPN
gujaf-364	86	24	.	.	PUNCT
gujaf-364	87	1	agbeyinka	agbeyinka	PROPN
gujaf-364	87	2	yinka	yinka	PROPN
gujaf-364	87	3	ibrahim	ibrahim	PROPN
gujaf-364	87	4	mortgage	mortgage	PROPN
gujaf-364	87	5	finance	finance	NOUN
gujaf-364	87	6	,	,	PUNCT
gujaf-364	87	7	institutional	institutional	ADJ
gujaf-364	87	8	factors	factor	NOUN
gujaf-364	87	9	and	and	CCONJ
gujaf-364	87	10	housing	housing	NOUN
gujaf-364	87	11	development	development	NOUN
gujaf-364	87	12	in	in	ADP
gujaf-364	87	13	nigeria	nigeria	PROPN
gujaf-364	87	14	lukman	lukman	PROPN
gujaf-364	87	15	adebayo	adebayo	PROPN
gujaf-364	87	16	-	-	PUNCT
gujaf-364	87	17	oke	oke	PROPN
gujaf-364	87	18	abdurauf	abdurauf	PROPN
gujaf-364	87	19	,	,	PUNCT
gujaf-364	87	20	sheriff	sheriff	PROPN
gujaf-364	87	21	akanji	akanji	PROPN
gujaf-364	87	22	ibrahim	ibrahim	PROPN
gujaf-364	87	23	,	,	PUNCT
gujaf-364	87	24	yusuf	yusuf	PROPN
gujaf-364	87	25	olamilekan	olamilekan	PROPN
gujaf-364	87	26	quadri	quadri	PROPN
gujaf-364	87	27	ownership	ownership	NOUN
gujaf-364	87	28	attributes	attribute	NOUN
gujaf-364	87	29	and	and	CCONJ
gujaf-364	87	30	firm	firm	ADJ
gujaf-364	87	31	value	value	NOUN
gujaf-364	87	32	:	:	PUNCT
gujaf-364	87	33	evidence	evidence	NOUN
gujaf-364	87	34	from	from	ADP
gujaf-364	87	35	listed	list	VERB
gujaf-364	87	36	non	non	ADJ
gujaf-364	87	37	-	-	ADJ
gujaf-364	87	38	financial	financial	ADJ
gujaf-364	87	39	firms	firm	NOUN
gujaf-364	87	40	in	in	ADP
gujaf-364	87	41	nigeria	nigeria	PROPN
gujaf-364	87	42	yusuf	yusuf	PROPN
gujaf-364	87	43	olamilekan	olamilekan	PROPN
gujaf-364	87	44	quadri	quadri	PROPN
gujaf-364	87	45	,	,	PUNCT
gujaf-364	87	46	lukman	lukman	PROPN
gujaf-364	87	47	adebayo	adebayo	PROPN
gujaf-364	87	48	-	-	PUNCT
gujaf-364	87	49	oke	oke	PROPN
gujaf-364	87	50	abdurauf	abdurauf	PROPN
gujaf-364	87	51	,	,	PUNCT
gujaf-364	87	52	sheriff	sheriff	PROPN
gujaf-364	87	53	akanji	akanji	PROPN
gujaf-364	87	54	ibrahim	ibrahim	PROPN
gujaf-364	87	55	managerial	managerial	ADJ
gujaf-364	87	56	emotional	emotional	ADJ
gujaf-364	87	57	intelligence	intelligence	NOUN
gujaf-364	87	58	and	and	CCONJ
gujaf-364	87	59	strategic	strategic	ADJ
gujaf-364	87	60	management	management	NOUN
gujaf-364	87	61	accounting	accounting	NOUN
gujaf-364	87	62	practices	practice	NOUN
gujaf-364	87	63	of	of	ADP
gujaf-364	87	64	pharmaceutical	pharmaceutical	ADJ
gujaf-364	87	65	industrial	industrial	ADJ
gujaf-364	87	66	goods	good	NOUN
gujaf-364	87	67	companies	company	NOUN
gujaf-364	87	68	in	in	ADP
gujaf-364	87	69	kwara	kwara	PROPN
gujaf-364	87	70	state	state	PROPN
gujaf-364	87	71	muhammed	muhammed	PROPN
gujaf-364	87	72	lawal	lawal	PROPN
gujaf-364	87	73	subair	subair	PROPN
gujaf-364	87	74	(	(	PUNCT
gujaf-364	87	75	ph.d	ph.d	PROPN
gujaf-364	87	76	.	.	PROPN
gujaf-364	87	77	)	)	PUNCT
gujaf-364	87	78	,	,	PUNCT
gujaf-364	87	79	ezekiel	ezekiel	PROPN
gujaf-364	87	80	aiyenijo	aiyenijo	PROPN
gujaf-364	87	81	adigbole(ph.d	adigbole(ph.d	PROPN
gujaf-364	87	82	)	)	PUNCT
gujaf-364	87	83	,	,	PUNCT
gujaf-364	87	84	kolawole	kolawole	PROPN
gujaf-364	87	85	abdulgafar	abdulgafar	PROPN
gujaf-364	87	86	mohammed	mohammed	PROPN
gujaf-364	87	87	,	,	PUNCT
gujaf-364	87	88	muyideen	muyideen	VERB
gujaf-364	87	89	olarewaju	olarewaju	ADJ
gujaf-364	87	90	elelu	elelu	NOUN
gujaf-364	87	91	examining	examine	VERB
gujaf-364	87	92	the	the	DET
gujaf-364	87	93	value	value	NOUN
gujaf-364	87	94	relevance	relevance	NOUN
gujaf-364	87	95	of	of	ADP
gujaf-364	87	96	accounting	accounting	NOUN
gujaf-364	87	97	information	information	NOUN
gujaf-364	87	98	:	:	PUNCT
gujaf-364	87	99	evidence	evidence	NOUN
gujaf-364	87	100	from	from	ADP
gujaf-364	87	101	nairobi	nairobi	PROPN
gujaf-364	87	102	stock	stock	PROPN
gujaf-364	87	103	exchange	exchange	PROPN
gujaf-364	87	104	(	(	PUNCT
gujaf-364	87	105	nse	nse	NOUN
gujaf-364	87	106	)	)	PUNCT
gujaf-364	87	107	gusau	gusau	ADJ
gujaf-364	87	108	journal	journal	NOUN
gujaf-364	87	109	of	of	ADP
gujaf-364	87	110	accounting	accounting	NOUN
gujaf-364	87	111	and	and	CCONJ
gujaf-364	87	112	finance	finance	NOUN
gujaf-364	87	113	,	,	PUNCT
gujaf-364	87	114	vol.6	vol.6	PROPN
gujaf-364	87	115	,	,	PUNCT
gujaf-364	87	116	issue	issue	NOUN
gujaf-364	87	117	1	1	NUM
gujaf-364	87	118	,	,	PUNCT
gujaf-364	87	119	april	april	PROPN
gujaf-364	87	120	,	,	PUNCT
gujaf-364	87	121	2025	2025	NUM
gujaf-364	87	122	ix	ix	ADP
gujaf-364	87	123	mehreteab	mehreteab	PROPN
gujaf-364	87	124	yonas	yonas	PROPN
gujaf-364	87	125	kiflom	kiflom	PROPN
gujaf-364	87	126	,	,	PUNCT
gujaf-364	87	127	zhang	zhang	PROPN
gujaf-364	87	128	rui	rui	PROPN
gujaf-364	87	129	,	,	PUNCT
gujaf-364	87	130	lijuan	lijuan	PROPN
gujaf-364	87	131	xiao	xiao	PROPN
gujaf-364	87	132	,	,	PUNCT
gujaf-364	87	133	asif	asif	PROPN
gujaf-364	87	134	jam	jam	PROPN
gujaf-364	87	135	muhammad	muhammad	PROPN
gujaf-364	87	136	farooq	farooq	PROPN
gujaf-364	87	137	,	,	PUNCT
gujaf-364	87	138	lukman	lukman	PROPN
gujaf-364	87	139	jimoh	jimoh	PROPN
gujaf-364	87	140	rahim	rahim	PROPN
gujaf-364	87	141	financial	financial	ADJ
gujaf-364	87	142	risk	risk	NOUN
gujaf-364	87	143	tolerance	tolerance	NOUN
gujaf-364	87	144	and	and	CCONJ
gujaf-364	87	145	investment	investment	NOUN
gujaf-364	87	146	decisions	decision	NOUN
gujaf-364	87	147	amongst	amongst	ADP
gujaf-364	87	148	smes	sme	NOUN
gujaf-364	87	149	in	in	ADP
gujaf-364	87	150	zamfara	zamfara	PROPN
gujaf-364	87	151	state	state	PROPN
gujaf-364	87	152	:	:	PUNCT
gujaf-364	87	153	the	the	DET
gujaf-364	87	154	moderating	moderate	VERB
gujaf-364	87	155	role	role	NOUN
gujaf-364	87	156	financial	financial	ADJ
gujaf-364	87	157	literacy	literacy	NOUN
gujaf-364	87	158	.	.	PUNCT
gujaf-364	88	1	ibrahim	ibrahim	PROPN
gujaf-364	88	2	lawal	lawal	PROPN
gujaf-364	88	3	,	,	PUNCT
gujaf-364	88	4	phd	phd	PROPN
gujaf-364	88	5	,	,	PUNCT
gujaf-364	88	6	habiba	habiba	PROPN
gujaf-364	88	7	ahmed	ahmed	AUX
gujaf-364	88	8	gwadabe	gwadabe	VERB
gujaf-364	88	9	the	the	DET
gujaf-364	88	10	moderating	moderate	VERB
gujaf-364	88	11	effect	effect	NOUN
gujaf-364	88	12	of	of	ADP
gujaf-364	88	13	board	board	NOUN
gujaf-364	88	14	independence	independence	NOUN
gujaf-364	88	15	on	on	ADP
gujaf-364	88	16	firm	firm	ADJ
gujaf-364	88	17	attributes	attribute	NOUN
gujaf-364	88	18	of	of	ADP
gujaf-364	88	19	corporate	corporate	ADJ
gujaf-364	88	20	environmental	environmental	ADJ
gujaf-364	88	21	accounting	accounting	NOUN
gujaf-364	88	22	disclosure	disclosure	NOUN
gujaf-364	88	23	of	of	ADP
gujaf-364	88	24	listed	list	VERB
gujaf-364	88	25	oil	oil	NOUN
gujaf-364	88	26	and	and	CCONJ
gujaf-364	88	27	gas	gas	NOUN
gujaf-364	88	28	firms	firm	NOUN
gujaf-364	88	29	in	in	ADP
gujaf-364	88	30	nigeria	nigeria	PROPN
gujaf-364	88	31	ahmad	ahmad	PROPN
gujaf-364	88	32	,	,	PUNCT
gujaf-364	88	33	alhaji	alhaji	NOUN
gujaf-364	88	34	zubairu	zubairu	NOUN
gujaf-364	88	35	,	,	PUNCT
gujaf-364	88	36	adamu	adamu	PROPN
gujaf-364	88	37	adamu	adamu	PROPN
gujaf-364	88	38	idris	idris	PROPN
gujaf-364	88	39	,	,	PUNCT
gujaf-364	88	40	ismaila	ismaila	PROPN
gujaf-364	88	41	yusuf	yusuf	PROPN
gujaf-364	88	42	determinants	determinant	NOUN
gujaf-364	88	43	of	of	ADP
gujaf-364	88	44	token	token	ADJ
gujaf-364	88	45	valuation	valuation	NOUN
gujaf-364	88	46	in	in	ADP
gujaf-364	88	47	blockchain	blockchain	PROPN
gujaf-364	88	48	ecosystems	ecosystem	NOUN
gujaf-364	88	49	:	:	PUNCT
gujaf-364	88	50	evidence	evidence	NOUN
gujaf-364	88	51	from	from	ADP
gujaf-364	88	52	dynamic	dynamic	ADJ
gujaf-364	88	53	panel	panel	NOUN
gujaf-364	88	54	analysis	analysis	NOUN
gujaf-364	88	55	of	of	ADP
gujaf-364	88	56	crowdfunding	crowdfunding	NOUN
gujaf-364	88	57	and	and	CCONJ
gujaf-364	88	58	network	network	NOUN
gujaf-364	88	59	effects	effect	NOUN
gujaf-364	88	60	.	.	PUNCT
gujaf-364	89	1	adedeji	adedeji	PROPN
gujaf-364	89	2	daniel	daniel	PROPN
gujaf-364	89	3	gbadebo	gbadebo	PROPN
gujaf-364	89	4	firm	firm	PROPN
gujaf-364	89	5	attributes	attribute	VERB
gujaf-364	89	6	and	and	CCONJ
gujaf-364	89	7	stock	stock	NOUN
gujaf-364	89	8	price	price	NOUN
gujaf-364	89	9	of	of	ADP
gujaf-364	89	10	listed	list	VERB
gujaf-364	89	11	financial	financial	ADJ
gujaf-364	89	12	service	service	NOUN
gujaf-364	89	13	firms	firm	NOUN
gujaf-364	89	14	in	in	ADP
gujaf-364	89	15	nigeria	nigeria	PROPN
gujaf-364	89	16	dr	dr	PROPN
gujaf-364	89	17	.	.	PROPN
gujaf-364	89	18	ibrahim	ibrahim	PROPN
gujaf-364	89	19	lawal	lawal	PROPN
gujaf-364	89	20	,	,	PUNCT
gujaf-364	89	21	prof	prof	PROPN
gujaf-364	89	22	.	.	PUNCT
gujaf-364	90	1	joshua	joshua	PROPN
gujaf-364	90	2	okpanachi	okpanachi	PROPN
gujaf-364	90	3	,	,	PUNCT
gujaf-364	90	4	prof	prof	PROPN
gujaf-364	90	5	.	.	PUNCT
gujaf-364	91	1	agbi	agbi	PROPN
gujaf-364	91	2	eniola	eniola	PROPN
gujaf-364	91	3	samuel	samuel	PROPN
gujaf-364	91	4	,	,	PUNCT
gujaf-364	91	5	dr	dr	PROPN
gujaf-364	91	6	suleiman	suleiman	PROPN
gujaf-364	91	7	tauhid	tauhid	PROPN
gujaf-364	91	8	bankruptcy	bankruptcy	NOUN
gujaf-364	91	9	prediction	prediction	NOUN
gujaf-364	91	10	and	and	CCONJ
gujaf-364	91	11	financial	financial	ADJ
gujaf-364	91	12	risk	risk	NOUN
gujaf-364	91	13	assessment	assessment	NOUN
gujaf-364	91	14	in	in	ADP
gujaf-364	91	15	emerging	emerge	VERB
gujaf-364	91	16	markets	market	NOUN
gujaf-364	91	17	:	:	PUNCT
gujaf-364	91	18	evidence	evidence	NOUN
gujaf-364	91	19	from	from	ADP
gujaf-364	91	20	nigeria	nigeria	PROPN
gujaf-364	91	21	.	.	PUNCT
gujaf-364	92	1	emmanuel	emmanuel	PROPN
gujaf-364	92	2	imuede	imuede	PROPN
gujaf-364	92	3	oyasor	oyasor	PROPN
gujaf-364	92	4	risk	risk	NOUN
gujaf-364	92	5	management	management	NOUN
gujaf-364	92	6	committees	committee	NOUN
gujaf-364	92	7	,	,	PUNCT
gujaf-364	92	8	operational	operational	ADJ
gujaf-364	92	9	risk	risk	NOUN
gujaf-364	92	10	,	,	PUNCT
gujaf-364	92	11	and	and	CCONJ
gujaf-364	92	12	profitability	profitability	NOUN
gujaf-364	92	13	in	in	ADP
gujaf-364	92	14	nigerian	nigerian	ADJ
gujaf-364	92	15	banks	bank	NOUN
gujaf-364	92	16	ibrahim	ibrahim	PROPN
gujaf-364	92	17	aminu	aminu	PROPN
gujaf-364	92	18	,	,	PUNCT
gujaf-364	92	19	professor	professor	PROPN
gujaf-364	92	20	samuel	samuel	PROPN
gujaf-364	92	21	eniola	eniola	PROPN
gujaf-364	92	22	agbi	agbi	PROPN
gujaf-364	92	23	,	,	PUNCT
gujaf-364	92	24	dr	dr	PROPN
gujaf-364	92	25	.	.	PROPN
gujaf-364	92	26	adzor	adzor	PROPN
gujaf-364	92	27	ibiamke	ibiamke	ADJ
gujaf-364	92	28	mitigating	mitigating	NOUN
gujaf-364	92	29	coordination	coordination	NOUN
gujaf-364	92	30	frictions	friction	NOUN
gujaf-364	92	31	in	in	ADP
gujaf-364	92	32	defi	defi	NOUN
gujaf-364	92	33	:	:	PUNCT
gujaf-364	92	34	empirical	empirical	ADJ
gujaf-364	92	35	evidence	evidence	NOUN
gujaf-364	92	36	from	from	ADP
gujaf-364	92	37	dynamic	dynamic	ADJ
gujaf-364	92	38	panel	panel	NOUN
gujaf-364	92	39	models	model	NOUN
gujaf-364	92	40	and	and	CCONJ
gujaf-364	92	41	event	event	NOUN
gujaf-364	92	42	study	study	NOUN
gujaf-364	92	43	of	of	ADP
gujaf-364	92	44	ethereum	ethereum	NOUN
gujaf-364	92	45	-	-	PUNCT
gujaf-364	92	46	based	base	VERB
gujaf-364	92	47	projects	project	NOUN
gujaf-364	92	48	.	.	PUNCT
gujaf-364	93	1	adedeji	adedeji	PROPN
gujaf-364	93	2	daniel	daniel	PROPN
gujaf-364	93	3	gbadebo	gbadebo	PROPN
gujaf-364	93	4	the	the	DET
gujaf-364	93	5	effect	effect	NOUN
gujaf-364	93	6	of	of	ADP
gujaf-364	93	7	internally	internally	ADV
gujaf-364	93	8	generated	generate	VERB
gujaf-364	93	9	revenue	revenue	NOUN
gujaf-364	93	10	components	component	NOUN
gujaf-364	93	11	on	on	ADP
gujaf-364	93	12	domestic	domestic	ADJ
gujaf-364	93	13	debt	debt	NOUN
gujaf-364	93	14	accumulation	accumulation	NOUN
gujaf-364	93	15	in	in	ADP
gujaf-364	93	16	nigeria	nigeria	PROPN
gujaf-364	93	17	’s	’s	PART
gujaf-364	93	18	north	north	ADJ
gujaf-364	93	19	central	central	ADJ
gujaf-364	93	20	states	state	NOUN
gujaf-364	93	21	.	.	PUNCT
gujaf-364	94	1	audu	audu	ADJ
gujaf-364	94	2	,	,	PUNCT
gujaf-364	94	3	monday	monday	PROPN
gujaf-364	94	4	a.	a.	PROPN
gujaf-364	94	5	,	,	PUNCT
gujaf-364	94	6	olaoye	olaoye	PROPN
gujaf-364	94	7	,	,	PUNCT
gujaf-364	94	8	samuel	samuel	PROPN
gujaf-364	94	9	a.	a.	PROPN
gujaf-364	94	10	,	,	PUNCT
gujaf-364	94	11	dada	dada	PROPN
gujaf-364	94	12	,	,	PUNCT
gujaf-364	94	13	samuel	samuel	PROPN
gujaf-364	94	14	o.	o.	PROPN
gujaf-364	94	15	risk	risk	NOUN
gujaf-364	94	16	management	management	NOUN
gujaf-364	94	17	strategies	strategy	NOUN
gujaf-364	94	18	for	for	ADP
gujaf-364	94	19	microfinance	microfinance	NOUN
gujaf-364	94	20	banks	bank	NOUN
gujaf-364	94	21	in	in	ADP
gujaf-364	94	22	nigeria	nigeria	PROPN
gujaf-364	94	23	:	:	PUNCT
gujaf-364	94	24	a	a	DET
gujaf-364	94	25	credit	credit	NOUN
gujaf-364	94	26	risk	risk	NOUN
gujaf-364	94	27	focus	focus	NOUN
gujaf-364	94	28	ehiogu	ehiogu	NOUN
gujaf-364	94	29	chizoba	chizoba	PROPN
gujaf-364	94	30	perpetua	perpetua	PROPN
gujaf-364	94	31	(	(	PUNCT
gujaf-364	94	32	phd	phd	NOUN
gujaf-364	94	33	,	,	PUNCT
gujaf-364	94	34	aiin	aiin	NOUN
gujaf-364	94	35	,	,	PUNCT
gujaf-364	94	36	fcilrmn	fcilrmn	PROPN
gujaf-364	94	37	)	)	PUNCT
gujaf-364	94	38	,	,	PUNCT
gujaf-364	94	39	kologa	kologa	NOUN
gujaf-364	94	40	inebimowei	inebimowei	PROPN
gujaf-364	94	41	freedom	freedom	NOUN
gujaf-364	94	42	effects	effect	NOUN
gujaf-364	94	43	of	of	ADP
gujaf-364	94	44	interest	interest	NOUN
gujaf-364	94	45	rate	rate	NOUN
gujaf-364	94	46	on	on	ADP
gujaf-364	94	47	profitability	profitability	NOUN
gujaf-364	94	48	of	of	ADP
gujaf-364	94	49	listed	list	VERB
gujaf-364	94	50	deposit	deposit	NOUN
gujaf-364	94	51	money	money	NOUN
gujaf-364	94	52	banks	bank	NOUN
gujaf-364	94	53	in	in	ADP
gujaf-364	94	54	nigeria	nigeria	PROPN
gujaf-364	94	55	joseph	joseph	PROPN
gujaf-364	94	56	olorunfemi	olorunfemi	ADV
gujaf-364	94	57	akande	akande	VERB
gujaf-364	94	58	the	the	DET
gujaf-364	94	59	effect	effect	NOUN
gujaf-364	94	60	of	of	ADP
gujaf-364	94	61	audit	audit	NOUN
gujaf-364	94	62	firm	firm	ADJ
gujaf-364	94	63	size	size	NOUN
gujaf-364	94	64	,	,	PUNCT
gujaf-364	94	65	tenure	tenure	NOUN
gujaf-364	94	66	,	,	PUNCT
gujaf-364	94	67	and	and	CCONJ
gujaf-364	94	68	committee	committee	NOUN
gujaf-364	94	69	size	size	NOUN
gujaf-364	94	70	on	on	ADP
gujaf-364	94	71	regulatory	regulatory	ADJ
gujaf-364	94	72	filing	filing	NOUN
gujaf-364	94	73	timeliness	timeliness	NOUN
gujaf-364	94	74	of	of	ADP
gujaf-364	94	75	nigeria	nigeria	PROPN
gujaf-364	94	76	listed	list	VERB
gujaf-364	94	77	firms	firm	NOUN
gujaf-364	94	78	maarufah	maarufah	VERB
gujaf-364	94	79	abdulmalik	abdulmalik	PROPN
gujaf-364	94	80	mohammed	mohammed	PROPN
gujaf-364	94	81	,	,	PUNCT
gujaf-364	94	82	samira	samira	PROPN
gujaf-364	94	83	mohammed	mohammed	PROPN
gujaf-364	94	84	adimoha	adimoha	PROPN
gujaf-364	94	85	,	,	PUNCT
gujaf-364	94	86	ph.d	ph.d	PROPN
gujaf-364	94	87	,	,	PUNCT
gujaf-364	94	88	abdulkarim	abdulkarim	NOUN
gujaf-364	94	89	,	,	PUNCT
gujaf-364	94	90	musa	musa	PROPN
gujaf-364	94	91	mohammed	mohammed	PROPN
gujaf-364	94	92	,	,	PUNCT
gujaf-364	94	93	ph.d	ph.d	PROPN
gujaf-364	94	94	.	.	PUNCT
gujaf-364	95	1	evaluating	evaluate	VERB
gujaf-364	95	2	the	the	DET
gujaf-364	95	3	impact	impact	NOUN
gujaf-364	95	4	of	of	ADP
gujaf-364	95	5	the	the	DET
gujaf-364	95	6	management	management	NOUN
gujaf-364	95	7	of	of	ADP
gujaf-364	95	8	credit	credit	NOUN
gujaf-364	95	9	risk	risk	NOUN
gujaf-364	95	10	,	,	PUNCT
gujaf-364	95	11	market	market	NOUN
gujaf-364	95	12	risk	risk	NOUN
gujaf-364	95	13	and	and	CCONJ
gujaf-364	95	14	liquidity	liquidity	NOUN
gujaf-364	95	15	risk	risk	NOUN
gujaf-364	95	16	on	on	ADP
gujaf-364	95	17	the	the	DET
gujaf-364	95	18	performance	performance	NOUN
gujaf-364	95	19	of	of	ADP
gujaf-364	95	20	banks	bank	NOUN
gujaf-364	95	21	in	in	ADP
gujaf-364	95	22	nigeria	nigeria	PROPN
gujaf-364	95	23	.	.	PUNCT
gujaf-364	96	1	ahmed	ahmed	PROPN
gujaf-364	96	2	oluwatobi	oluwatobi	PROPN
gujaf-364	96	3	adekunle	adekunle	PROPN
gujaf-364	96	4	gusau	gusau	ADJ
gujaf-364	96	5	journal	journal	NOUN
gujaf-364	96	6	of	of	ADP
gujaf-364	96	7	accounting	accounting	NOUN
gujaf-364	96	8	and	and	CCONJ
gujaf-364	96	9	finance	finance	NOUN
gujaf-364	96	10	,	,	PUNCT
gujaf-364	96	11	vol.6	vol.6	PROPN
gujaf-364	96	12	,	,	PUNCT
gujaf-364	96	13	issue	issue	NOUN
gujaf-364	96	14	1	1	NUM
gujaf-364	96	15	,	,	PUNCT
gujaf-364	96	16	april	april	PROPN
gujaf-364	96	17	,	,	PUNCT
gujaf-364	96	18	2025	2025	NUM
gujaf-364	96	19	1	1	NUM
gujaf-364	96	20	fintech	fintech	NOUN
gujaf-364	96	21	penetration	penetration	NOUN
gujaf-364	96	22	and	and	CCONJ
gujaf-364	96	23	climate	climate	NOUN
gujaf-364	96	24	-	-	PUNCT
gujaf-364	96	25	smart	smart	ADJ
gujaf-364	96	26	infrastructure	infrastructure	NOUN
gujaf-364	96	27	:	:	PUNCT
gujaf-364	96	28	evidence	evidence	NOUN
gujaf-364	96	29	from	from	ADP
gujaf-364	96	30	renewable	renewable	ADJ
gujaf-364	96	31	energy	energy	NOUN
gujaf-364	96	32	financing	financing	NOUN
gujaf-364	96	33	in	in	ADP
gujaf-364	96	34	the	the	DET
gujaf-364	96	35	global	global	ADJ
gujaf-364	96	36	south	south	PROPN
gujaf-364	96	37	agbeyinka	agbeyinka	PROPN
gujaf-364	96	38	yinka	yinka	PROPN
gujaf-364	96	39	ibrahim	ibrahim	PROPN
gujaf-364	96	40	department	department	PROPN
gujaf-364	96	41	of	of	ADP
gujaf-364	96	42	accounting	accounting	PROPN
gujaf-364	96	43	science	science	NOUN
gujaf-364	96	44	,	,	PUNCT
gujaf-364	96	45	walter	walter	PROPN
gujaf-364	96	46	sisulu	sisulu	PROPN
gujaf-364	96	47	university	university	PROPN
gujaf-364	96	48	,	,	PUNCT
gujaf-364	96	49	mthatha	mthatha	PROPN
gujaf-364	96	50	,	,	PUNCT
gujaf-364	96	51	south	south	PROPN
gujaf-364	96	52	africa	africa	PROPN
gujaf-364	96	53	.	.	PUNCT
gujaf-364	97	1	ibrahim.yadeyinka@gmail.com	ibrahim.yadeyinka@gmail.com	X
gujaf-364	97	2	https://doi.org/10.57233/gujaf.v6i1.01	https://doi.org/10.57233/gujaf.v6i1.01	PROPN
gujaf-364	97	3	abstract	abstract	ADJ
gujaf-364	97	4	this	this	DET
gujaf-364	97	5	study	study	NOUN
gujaf-364	97	6	investigates	investigate	VERB
gujaf-364	97	7	the	the	DET
gujaf-364	97	8	impact	impact	NOUN
gujaf-364	97	9	of	of	ADP
gujaf-364	97	10	financial	financial	ADJ
gujaf-364	97	11	technology	technology	NOUN
gujaf-364	97	12	(	(	PUNCT
gujaf-364	97	13	fintech	fintech	NOUN
gujaf-364	97	14	)	)	PUNCT
gujaf-364	97	15	penetration	penetration	NOUN
gujaf-364	97	16	on	on	ADP
gujaf-364	97	17	renewable	renewable	ADJ
gujaf-364	97	18	energy	energy	NOUN
gujaf-364	97	19	investment	investment	NOUN
gujaf-364	97	20	in	in	ADP
gujaf-364	97	21	developing	develop	VERB
gujaf-364	97	22	countries	country	NOUN
gujaf-364	97	23	between	between	ADP
gujaf-364	97	24	2010	2010	NUM
gujaf-364	97	25	and	and	CCONJ
gujaf-364	97	26	2024	2024	NUM
gujaf-364	97	27	.	.	PUNCT
gujaf-364	98	1	drawing	draw	VERB
gujaf-364	98	2	on	on	ADP
gujaf-364	98	3	a	a	DET
gujaf-364	98	4	balanced	balanced	ADJ
gujaf-364	98	5	panel	panel	NOUN
gujaf-364	98	6	dataset	dataset	VERB
gujaf-364	98	7	covering	cover	VERB
gujaf-364	98	8	60	60	NUM
gujaf-364	98	9	developing	develop	VERB
gujaf-364	98	10	economies	economy	NOUN
gujaf-364	98	11	,	,	PUNCT
gujaf-364	98	12	the	the	DET
gujaf-364	98	13	study	study	NOUN
gujaf-364	98	14	constructs	construct	VERB
gujaf-364	98	15	a	a	DET
gujaf-364	98	16	fintech	fintech	NOUN
gujaf-364	98	17	penetration	penetration	NOUN
gujaf-364	98	18	index	index	NOUN
gujaf-364	98	19	(	(	PUNCT
gujaf-364	98	20	fpi	fpi	PROPN
gujaf-364	98	21	)	)	PUNCT
gujaf-364	98	22	based	base	VERB
gujaf-364	98	23	on	on	ADP
gujaf-364	98	24	subcomponents	subcomponent	NOUN
gujaf-364	98	25	including	include	VERB
gujaf-364	98	26	mobile	mobile	ADJ
gujaf-364	98	27	payments	payment	NOUN
gujaf-364	98	28	,	,	PUNCT
gujaf-364	98	29	digital	digital	ADJ
gujaf-364	98	30	lending	lending	NOUN
gujaf-364	98	31	,	,	PUNCT
gujaf-364	98	32	and	and	CCONJ
gujaf-364	98	33	crowdfunding	crowdfunding	NOUN
gujaf-364	98	34	.	.	PUNCT
gujaf-364	99	1	using	use	VERB
gujaf-364	99	2	fixed	fix	VERB
gujaf-364	99	3	effects	effect	NOUN
gujaf-364	99	4	and	and	CCONJ
gujaf-364	99	5	system	system	NOUN
gujaf-364	99	6	gmm	gmm	NOUN
gujaf-364	99	7	estimators	estimator	NOUN
gujaf-364	99	8	,	,	PUNCT
gujaf-364	99	9	the	the	DET
gujaf-364	99	10	empirical	empirical	ADJ
gujaf-364	99	11	analysis	analysis	NOUN
gujaf-364	99	12	finds	find	VERB
gujaf-364	99	13	a	a	DET
gujaf-364	99	14	robust	robust	ADJ
gujaf-364	99	15	and	and	CCONJ
gujaf-364	99	16	statistically	statistically	ADV
gujaf-364	99	17	significant	significant	ADJ
gujaf-364	99	18	relationship	relationship	NOUN
gujaf-364	99	19	between	between	ADP
gujaf-364	99	20	fintech	fintech	NOUN
gujaf-364	99	21	diffusion	diffusion	NOUN
gujaf-364	99	22	and	and	CCONJ
gujaf-364	99	23	renewable	renewable	ADJ
gujaf-364	99	24	energy	energy	NOUN
gujaf-364	99	25	investment	investment	NOUN
gujaf-364	99	26	.	.	PUNCT
gujaf-364	100	1	specifically	specifically	ADV
gujaf-364	100	2	,	,	PUNCT
gujaf-364	100	3	a	a	DET
gujaf-364	100	4	1	1	NUM
gujaf-364	100	5	%	%	NOUN
gujaf-364	100	6	increase	increase	NOUN
gujaf-364	100	7	in	in	ADP
gujaf-364	100	8	fpi	fpi	PROPN
gujaf-364	100	9	is	be	AUX
gujaf-364	100	10	associated	associate	VERB
gujaf-364	100	11	with	with	ADP
gujaf-364	100	12	a	a	DET
gujaf-364	100	13	0.487	0.487	NUM
gujaf-364	100	14	unit	unit	NOUN
gujaf-364	100	15	rise	rise	NOUN
gujaf-364	100	16	in	in	ADP
gujaf-364	100	17	renewable	renewable	ADJ
gujaf-364	100	18	investment	investment	NOUN
gujaf-364	100	19	,	,	PUNCT
gujaf-364	100	20	with	with	ADP
gujaf-364	100	21	individual	individual	ADJ
gujaf-364	100	22	fintech	fintech	NOUN
gujaf-364	100	23	components	component	NOUN
gujaf-364	100	24	also	also	ADV
gujaf-364	100	25	exhibiting	exhibit	VERB
gujaf-364	100	26	positive	positive	ADJ
gujaf-364	100	27	and	and	CCONJ
gujaf-364	100	28	significant	significant	ADJ
gujaf-364	100	29	effects	effect	NOUN
gujaf-364	100	30	.	.	PUNCT
gujaf-364	101	1	the	the	DET
gujaf-364	101	2	findings	finding	NOUN
gujaf-364	101	3	remain	remain	VERB
gujaf-364	101	4	robust	robust	ADJ
gujaf-364	101	5	across	across	ADP
gujaf-364	101	6	alternative	alternative	ADJ
gujaf-364	101	7	specifications	specification	NOUN
gujaf-364	101	8	,	,	PUNCT
gujaf-364	101	9	sensitivity	sensitivity	NOUN
gujaf-364	101	10	tests	test	NOUN
gujaf-364	101	11	,	,	PUNCT
gujaf-364	101	12	and	and	CCONJ
gujaf-364	101	13	post	post	ADJ
gujaf-364	101	14	-	-	ADJ
gujaf-364	101	15	estimation	estimation	NOUN
gujaf-364	101	16	diagnostics	diagnostic	NOUN
gujaf-364	101	17	.	.	PUNCT
gujaf-364	102	1	the	the	DET
gujaf-364	102	2	results	result	NOUN
gujaf-364	102	3	highlight	highlight	VERB
gujaf-364	102	4	the	the	DET
gujaf-364	102	5	critical	critical	ADJ
gujaf-364	102	6	role	role	NOUN
gujaf-364	102	7	of	of	ADP
gujaf-364	102	8	digital	digital	ADJ
gujaf-364	102	9	financial	financial	ADJ
gujaf-364	102	10	systems	system	NOUN
gujaf-364	102	11	in	in	ADP
gujaf-364	102	12	lowering	lower	VERB
gujaf-364	102	13	financing	financing	NOUN
gujaf-364	102	14	barriers	barrier	NOUN
gujaf-364	102	15	,	,	PUNCT
gujaf-364	102	16	enhancing	enhance	VERB
gujaf-364	102	17	institutional	institutional	ADJ
gujaf-364	102	18	quality	quality	NOUN
gujaf-364	102	19	,	,	PUNCT
gujaf-364	102	20	and	and	CCONJ
gujaf-364	102	21	enabling	enable	VERB
gujaf-364	102	22	green	green	ADJ
gujaf-364	102	23	capital	capital	NOUN
gujaf-364	102	24	flows	flow	NOUN
gujaf-364	102	25	.	.	PUNCT
gujaf-364	103	1	policy	policy	NOUN
gujaf-364	103	2	implications	implication	NOUN
gujaf-364	103	3	suggest	suggest	VERB
gujaf-364	103	4	that	that	SCONJ
gujaf-364	103	5	fintech	fintech	NOUN
gujaf-364	103	6	should	should	AUX
gujaf-364	103	7	be	be	AUX
gujaf-364	103	8	integrated	integrate	VERB
gujaf-364	103	9	into	into	ADP
gujaf-364	103	10	national	national	ADJ
gujaf-364	103	11	green	green	ADJ
gujaf-364	103	12	investment	investment	NOUN
gujaf-364	103	13	strategies	strategy	NOUN
gujaf-364	103	14	,	,	PUNCT
gujaf-364	103	15	with	with	ADP
gujaf-364	103	16	regulatory	regulatory	ADJ
gujaf-364	103	17	frameworks	framework	NOUN
gujaf-364	103	18	designed	design	VERB
gujaf-364	103	19	to	to	PART
gujaf-364	103	20	foster	foster	VERB
gujaf-364	103	21	innovation	innovation	NOUN
gujaf-364	103	22	while	while	SCONJ
gujaf-364	103	23	ensuring	ensure	VERB
gujaf-364	103	24	sustainability	sustainability	NOUN
gujaf-364	103	25	and	and	CCONJ
gujaf-364	103	26	financial	financial	ADJ
gujaf-364	103	27	inclusion	inclusion	NOUN
gujaf-364	103	28	.	.	PUNCT
gujaf-364	104	1	future	future	ADJ
gujaf-364	104	2	research	research	NOUN
gujaf-364	104	3	should	should	AUX
gujaf-364	104	4	explore	explore	VERB
gujaf-364	104	5	disaggregated	disaggregate	VERB
gujaf-364	104	6	impacts	impact	NOUN
gujaf-364	104	7	at	at	ADP
gujaf-364	104	8	the	the	DET
gujaf-364	104	9	firm	firm	ADJ
gujaf-364	104	10	and	and	CCONJ
gujaf-364	104	11	household	household	NOUN
gujaf-364	104	12	levels	level	NOUN
gujaf-364	104	13	,	,	PUNCT
gujaf-364	104	14	and	and	CCONJ
gujaf-364	104	15	assess	assess	VERB
gujaf-364	104	16	the	the	DET
gujaf-364	104	17	interplay	interplay	NOUN
gujaf-364	104	18	between	between	ADP
gujaf-364	104	19	fintech	fintech	NOUN
gujaf-364	104	20	adoption	adoption	NOUN
gujaf-364	104	21	,	,	PUNCT
gujaf-364	104	22	regulatory	regulatory	ADJ
gujaf-364	104	23	capacity	capacity	NOUN
gujaf-364	104	24	,	,	PUNCT
gujaf-364	104	25	and	and	CCONJ
gujaf-364	104	26	environmental	environmental	ADJ
gujaf-364	104	27	governance	governance	NOUN
gujaf-364	104	28	.	.	PUNCT
gujaf-364	105	1	keywords	keyword	NOUN
gujaf-364	105	2	:	:	PUNCT
gujaf-364	105	3	fintech	fintech	NOUN
gujaf-364	105	4	,	,	PUNCT
gujaf-364	105	5	renewable	renewable	ADJ
gujaf-364	105	6	energy	energy	NOUN
gujaf-364	105	7	,	,	PUNCT
gujaf-364	105	8	developing	develop	VERB
gujaf-364	105	9	countries	country	NOUN
gujaf-364	105	10	,	,	PUNCT
gujaf-364	105	11	green	green	ADJ
gujaf-364	105	12	finance	finance	NOUN
gujaf-364	105	13	,	,	PUNCT
gujaf-364	105	14	financial	financial	ADJ
gujaf-364	105	15	inclusion	inclusion	NOUN
gujaf-364	105	16	,	,	PUNCT
gujaf-364	105	17	digital	digital	PROPN
gujaf-364	105	18	innovation	innovation	PROPN
gujaf-364	105	19	jel	jel	PROPN
gujaf-364	105	20	codes	code	NOUN
gujaf-364	105	21	:	:	PUNCT
gujaf-364	105	22	o16	o16	NUM
gujaf-364	105	23	,	,	PUNCT
gujaf-364	105	24	q42	q42	PROPN
gujaf-364	105	25	,	,	PUNCT
gujaf-364	105	26	g21	g21	PROPN
gujaf-364	105	27	,	,	PUNCT
gujaf-364	105	28	c33	c33	NOUN
gujaf-364	105	29	1.0	1.0	NUM
gujaf-364	105	30	introduction	introduction	NOUN
gujaf-364	105	31	the	the	DET
gujaf-364	105	32	advent	advent	NOUN
gujaf-364	105	33	of	of	ADP
gujaf-364	105	34	digital	digital	ADJ
gujaf-364	105	35	financial	financial	ADJ
gujaf-364	105	36	technologies	technology	NOUN
gujaf-364	105	37	,	,	PUNCT
gujaf-364	105	38	or	or	CCONJ
gujaf-364	105	39	fintech	fintech	NOUN
gujaf-364	105	40	,	,	PUNCT
gujaf-364	105	41	has	have	AUX
gujaf-364	105	42	revolutionized	revolutionize	VERB
gujaf-364	105	43	the	the	DET
gujaf-364	105	44	mechanisms	mechanism	NOUN
gujaf-364	105	45	through	through	ADP
gujaf-364	105	46	which	which	PRON
gujaf-364	105	47	individuals	individual	NOUN
gujaf-364	105	48	and	and	CCONJ
gujaf-364	105	49	institutions	institution	NOUN
gujaf-364	105	50	interact	interact	VERB
gujaf-364	105	51	with	with	ADP
gujaf-364	105	52	financial	financial	ADJ
gujaf-364	105	53	systems	system	NOUN
gujaf-364	105	54	.	.	PUNCT
gujaf-364	106	1	in	in	ADP
gujaf-364	106	2	developing	develop	VERB
gujaf-364	106	3	countries	country	NOUN
gujaf-364	106	4	,	,	PUNCT
gujaf-364	106	5	where	where	SCONJ
gujaf-364	106	6	traditional	traditional	ADJ
gujaf-364	106	7	financial	financial	ADJ
gujaf-364	106	8	infrastructures	infrastructure	NOUN
gujaf-364	106	9	often	often	ADV
gujaf-364	106	10	fall	fall	VERB
gujaf-364	106	11	short	short	ADJ
gujaf-364	106	12	,	,	PUNCT
gujaf-364	106	13	fintech	fintech	NOUN
gujaf-364	106	14	platforms	platform	NOUN
gujaf-364	106	15	such	such	ADJ
gujaf-364	106	16	as	as	ADP
gujaf-364	106	17	mobile	mobile	ADJ
gujaf-364	106	18	banking	banking	NOUN
gujaf-364	106	19	,	,	PUNCT
gujaf-364	106	20	peer	peer	NOUN
gujaf-364	106	21	-	-	PUNCT
gujaf-364	106	22	to	to	ADP
gujaf-364	106	23	-	-	PUNCT
gujaf-364	106	24	peer	peer	NOUN
gujaf-364	106	25	lending	lending	NOUN
gujaf-364	106	26	,	,	PUNCT
gujaf-364	106	27	and	and	CCONJ
gujaf-364	106	28	digital	digital	ADJ
gujaf-364	106	29	crowdfunding	crowdfunding	NOUN
gujaf-364	106	30	are	be	AUX
gujaf-364	106	31	reshaping	reshape	VERB
gujaf-364	106	32	the	the	DET
gujaf-364	106	33	landscape	landscape	NOUN
gujaf-364	106	34	of	of	ADP
gujaf-364	106	35	investment	investment	NOUN
gujaf-364	106	36	and	and	CCONJ
gujaf-364	106	37	development	development	NOUN
gujaf-364	106	38	finance	finance	NOUN
gujaf-364	106	39	(	(	PUNCT
gujaf-364	106	40	ozili	ozili	NOUN
gujaf-364	106	41	,	,	PUNCT
gujaf-364	106	42	2023	2023	NUM
gujaf-364	106	43	)	)	PUNCT
gujaf-364	106	44	.	.	PUNCT
gujaf-364	107	1	one	one	NUM
gujaf-364	107	2	particularly	particularly	ADV
gujaf-364	107	3	compelling	compelling	ADJ
gujaf-364	107	4	domain	domain	NOUN
gujaf-364	107	5	of	of	ADP
gujaf-364	107	6	impact	impact	NOUN
gujaf-364	107	7	lies	lie	VERB
gujaf-364	107	8	in	in	ADP
gujaf-364	107	9	the	the	DET
gujaf-364	107	10	renewable	renewable	ADJ
gujaf-364	107	11	energy	energy	NOUN
gujaf-364	107	12	sector	sector	NOUN
gujaf-364	107	13	,	,	PUNCT
gujaf-364	107	14	where	where	SCONJ
gujaf-364	107	15	fintech	fintech	NOUN
gujaf-364	107	16	has	have	AUX
gujaf-364	107	17	emerged	emerge	VERB
gujaf-364	107	18	as	as	ADP
gujaf-364	107	19	a	a	DET
gujaf-364	107	20	vital	vital	ADJ
gujaf-364	107	21	enabler	enabler	NOUN
gujaf-364	107	22	of	of	ADP
gujaf-364	107	23	capital	capital	NOUN
gujaf-364	107	24	mobilization	mobilization	NOUN
gujaf-364	107	25	for	for	ADP
gujaf-364	107	26	decentralized	decentralized	ADJ
gujaf-364	107	27	,	,	PUNCT
gujaf-364	107	28	climate	climate	NOUN
gujaf-364	107	29	-	-	PUNCT
gujaf-364	107	30	resilient	resilient	ADJ
gujaf-364	107	31	,	,	PUNCT
gujaf-364	107	32	and	and	CCONJ
gujaf-364	107	33	low	low	ADJ
gujaf-364	107	34	-	-	PUNCT
gujaf-364	107	35	carbon	carbon	NOUN
gujaf-364	107	36	energy	energy	NOUN
gujaf-364	107	37	projects	project	NOUN
gujaf-364	107	38	.	.	PUNCT
gujaf-364	108	1	as	as	SCONJ
gujaf-364	108	2	these	these	DET
gujaf-364	108	3	technologies	technology	NOUN
gujaf-364	108	4	democratize	democratize	VERB
gujaf-364	108	5	access	access	NOUN
gujaf-364	108	6	to	to	ADP
gujaf-364	108	7	finance	finance	NOUN
gujaf-364	108	8	,	,	PUNCT
gujaf-364	108	9	they	they	PRON
gujaf-364	108	10	provide	provide	VERB
gujaf-364	108	11	a	a	DET
gujaf-364	108	12	vital	vital	ADJ
gujaf-364	108	13	conduit	conduit	NOUN
gujaf-364	108	14	for	for	ADP
gujaf-364	108	15	accelerating	accelerate	VERB
gujaf-364	108	16	investments	investment	NOUN
gujaf-364	108	17	in	in	ADP
gujaf-364	108	18	renewable	renewable	ADJ
gujaf-364	108	19	energy	energy	NOUN
gujaf-364	108	20	addressing	address	VERB
gujaf-364	108	21	energy	energy	NOUN
gujaf-364	108	22	poverty	poverty	NOUN
gujaf-364	108	23	while	while	SCONJ
gujaf-364	108	24	aligning	align	VERB
gujaf-364	108	25	with	with	ADP
gujaf-364	108	26	sustainable	sustainable	ADJ
gujaf-364	108	27	development	development	NOUN
gujaf-364	108	28	goals	goal	NOUN
gujaf-364	108	29	(	(	PUNCT
gujaf-364	108	30	sdg	sdg	NOUN
gujaf-364	108	31	)	)	PUNCT
gujaf-364	108	32	7	7	NUM
gujaf-364	108	33	and	and	CCONJ
gujaf-364	108	34	sdg	sdg	NOUN
gujaf-364	108	35	9	9	NUM
gujaf-364	108	36	.	.	PUNCT
gujaf-364	109	1	renewable	renewable	ADJ
gujaf-364	109	2	energy	energy	NOUN
gujaf-364	109	3	investments	investment	NOUN
gujaf-364	109	4	in	in	ADP
gujaf-364	109	5	developing	develop	VERB
gujaf-364	109	6	countries	country	NOUN
gujaf-364	109	7	are	be	AUX
gujaf-364	109	8	often	often	ADV
gujaf-364	109	9	constrained	constrain	VERB
gujaf-364	109	10	by	by	ADP
gujaf-364	109	11	limited	limited	ADJ
gujaf-364	109	12	access	access	NOUN
gujaf-364	109	13	to	to	ADP
gujaf-364	109	14	finance	finance	NOUN
gujaf-364	109	15	,	,	PUNCT
gujaf-364	109	16	high	high	ADJ
gujaf-364	109	17	perceived	perceive	VERB
gujaf-364	109	18	risk	risk	NOUN
gujaf-364	109	19	,	,	PUNCT
gujaf-364	109	20	and	and	CCONJ
gujaf-364	109	21	inadequate	inadequate	ADJ
gujaf-364	109	22	institutional	institutional	ADJ
gujaf-364	109	23	frameworks	framework	NOUN
gujaf-364	109	24	(	(	PUNCT
gujaf-364	109	25	taghizadeh	taghizadeh	NOUN
gujaf-364	109	26	-	-	PUNCT
gujaf-364	109	27	hesary	hesary	PROPN
gujaf-364	109	28	&	&	CCONJ
gujaf-364	109	29	yoshino	yoshino	PROPN
gujaf-364	109	30	,	,	PUNCT
gujaf-364	109	31	2020	2020	NUM
gujaf-364	109	32	)	)	PUNCT
gujaf-364	109	33	.	.	PUNCT
gujaf-364	110	1	fintech	fintech	NOUN
gujaf-364	110	2	solutions	solution	NOUN
gujaf-364	110	3	have	have	VERB
gujaf-364	110	4	the	the	DET
gujaf-364	110	5	potential	potential	NOUN
gujaf-364	110	6	to	to	PART
gujaf-364	110	7	bridge	bridge	VERB
gujaf-364	110	8	this	this	DET
gujaf-364	110	9	financing	financing	NOUN
gujaf-364	110	10	gap	gap	NOUN
gujaf-364	110	11	by	by	ADP
gujaf-364	110	12	leveraging	leverage	VERB
gujaf-364	110	13	digital	digital	ADJ
gujaf-364	110	14	platforms	platform	NOUN
gujaf-364	110	15	to	to	PART
gujaf-364	110	16	pool	pool	VERB
gujaf-364	110	17	small	small	ADJ
gujaf-364	110	18	-	-	PUNCT
gujaf-364	110	19	scale	scale	NOUN
gujaf-364	110	20	capital	capital	NOUN
gujaf-364	110	21	,	,	PUNCT
gujaf-364	110	22	reduce	reduce	VERB
gujaf-364	110	23	transaction	transaction	NOUN
gujaf-364	110	24	costs	cost	NOUN
gujaf-364	110	25	,	,	PUNCT
gujaf-364	110	26	enhance	enhance	VERB
gujaf-364	110	27	credit	credit	NOUN
gujaf-364	110	28	risk	risk	NOUN
gujaf-364	110	29	gusau	gusau	ADJ
gujaf-364	110	30	journal	journal	NOUN
gujaf-364	110	31	of	of	ADP
gujaf-364	110	32	accounting	accounting	NOUN
gujaf-364	110	33	and	and	CCONJ
gujaf-364	110	34	finance	finance	NOUN
gujaf-364	110	35	,	,	PUNCT
gujaf-364	110	36	vol.6	vol.6	PROPN
gujaf-364	110	37	,	,	PUNCT
gujaf-364	110	38	issue	issue	NOUN
gujaf-364	110	39	1	1	NUM
gujaf-364	110	40	,	,	PUNCT
gujaf-364	110	41	april	april	PROPN
gujaf-364	110	42	,	,	PUNCT
gujaf-364	110	43	2025	2025	NUM
gujaf-364	110	44	2	2	NUM
gujaf-364	110	45	assessments	assessment	NOUN
gujaf-364	110	46	through	through	ADP
gujaf-364	110	47	alternative	alternative	ADJ
gujaf-364	110	48	data	datum	NOUN
gujaf-364	110	49	,	,	PUNCT
gujaf-364	110	50	and	and	CCONJ
gujaf-364	110	51	improve	improve	VERB
gujaf-364	110	52	financial	financial	ADJ
gujaf-364	110	53	inclusion	inclusion	NOUN
gujaf-364	110	54	.	.	PUNCT
gujaf-364	111	1	mobile	mobile	ADJ
gujaf-364	111	2	money	money	NOUN
gujaf-364	111	3	services	service	NOUN
gujaf-364	111	4	,	,	PUNCT
gujaf-364	111	5	for	for	ADP
gujaf-364	111	6	instance	instance	NOUN
gujaf-364	111	7	,	,	PUNCT
gujaf-364	111	8	have	have	AUX
gujaf-364	111	9	shown	show	VERB
gujaf-364	111	10	considerable	considerable	ADJ
gujaf-364	111	11	promise	promise	NOUN
gujaf-364	111	12	in	in	ADP
gujaf-364	111	13	expanding	expand	VERB
gujaf-364	111	14	household	household	NOUN
gujaf-364	111	15	and	and	CCONJ
gujaf-364	111	16	sme	sme	NOUN
gujaf-364	111	17	-	-	PUNCT
gujaf-364	111	18	level	level	NOUN
gujaf-364	111	19	access	access	NOUN
gujaf-364	111	20	to	to	ADP
gujaf-364	111	21	solar	solar	ADJ
gujaf-364	111	22	home	home	NOUN
gujaf-364	111	23	systems	system	NOUN
gujaf-364	111	24	and	and	CCONJ
gujaf-364	111	25	off	off	ADP
gujaf-364	111	26	-	-	PUNCT
gujaf-364	111	27	grid	grid	ADJ
gujaf-364	111	28	renewable	renewable	ADJ
gujaf-364	111	29	technologies	technology	NOUN
gujaf-364	111	30	(	(	PUNCT
gujaf-364	111	31	bahaj	bahaj	PROPN
gujaf-364	111	32	&	&	CCONJ
gujaf-364	111	33	foulis	foulis	PROPN
gujaf-364	111	34	,	,	PUNCT
gujaf-364	111	35	2022	2022	NUM
gujaf-364	111	36	)	)	PUNCT
gujaf-364	111	37	.	.	PUNCT
gujaf-364	112	1	in	in	ADP
gujaf-364	112	2	this	this	DET
gujaf-364	112	3	context	context	NOUN
gujaf-364	112	4	,	,	PUNCT
gujaf-364	112	5	fintech	fintech	NOUN
gujaf-364	112	6	serves	serve	VERB
gujaf-364	112	7	as	as	ADP
gujaf-364	112	8	both	both	CCONJ
gujaf-364	112	9	a	a	DET
gujaf-364	112	10	catalyst	catalyst	NOUN
gujaf-364	112	11	and	and	CCONJ
gujaf-364	112	12	a	a	DET
gujaf-364	112	13	conduit	conduit	NOUN
gujaf-364	112	14	,	,	PUNCT
gujaf-364	112	15	facilitating	facilitate	VERB
gujaf-364	112	16	the	the	DET
gujaf-364	112	17	flow	flow	NOUN
gujaf-364	112	18	of	of	ADP
gujaf-364	112	19	investment	investment	NOUN
gujaf-364	112	20	capital	capital	NOUN
gujaf-364	112	21	while	while	SCONJ
gujaf-364	112	22	also	also	ADV
gujaf-364	112	23	enabling	enable	VERB
gujaf-364	112	24	the	the	DET
gujaf-364	112	25	monitoring	monitoring	NOUN
gujaf-364	112	26	and	and	CCONJ
gujaf-364	112	27	governance	governance	NOUN
gujaf-364	112	28	of	of	ADP
gujaf-364	112	29	energy	energy	NOUN
gujaf-364	112	30	consumption	consumption	NOUN
gujaf-364	112	31	patterns	pattern	NOUN
gujaf-364	112	32	.	.	PUNCT
gujaf-364	113	1	empirical	empirical	ADJ
gujaf-364	113	2	studies	study	NOUN
gujaf-364	113	3	suggest	suggest	VERB
gujaf-364	113	4	that	that	SCONJ
gujaf-364	113	5	the	the	DET
gujaf-364	113	6	proliferation	proliferation	NOUN
gujaf-364	113	7	of	of	ADP
gujaf-364	113	8	fintech	fintech	NOUN
gujaf-364	113	9	services	service	NOUN
gujaf-364	113	10	positively	positively	ADV
gujaf-364	113	11	correlates	correlate	VERB
gujaf-364	113	12	with	with	ADP
gujaf-364	113	13	the	the	DET
gujaf-364	113	14	scale	scale	NOUN
gujaf-364	113	15	and	and	CCONJ
gujaf-364	113	16	speed	speed	NOUN
gujaf-364	113	17	of	of	ADP
gujaf-364	113	18	renewable	renewable	ADJ
gujaf-364	113	19	energy	energy	NOUN
gujaf-364	113	20	deployment	deployment	NOUN
gujaf-364	113	21	,	,	PUNCT
gujaf-364	113	22	particularly	particularly	ADV
gujaf-364	113	23	in	in	ADP
gujaf-364	113	24	regions	region	NOUN
gujaf-364	113	25	underserved	underserve	VERB
gujaf-364	113	26	by	by	ADP
gujaf-364	113	27	conventional	conventional	ADJ
gujaf-364	113	28	banking	banking	NOUN
gujaf-364	113	29	systems	system	NOUN
gujaf-364	113	30	(	(	PUNCT
gujaf-364	113	31	shahbaz	shahbaz	PROPN
gujaf-364	113	32	et	et	PROPN
gujaf-364	113	33	al	al	PROPN
gujaf-364	113	34	.	.	PROPN
gujaf-364	113	35	,	,	PUNCT
gujaf-364	113	36	2022	2022	NUM
gujaf-364	113	37	)	)	PUNCT
gujaf-364	113	38	.	.	PUNCT
gujaf-364	114	1	this	this	DET
gujaf-364	114	2	study	study	NOUN
gujaf-364	114	3	aims	aim	VERB
gujaf-364	114	4	to	to	PART
gujaf-364	114	5	contribute	contribute	VERB
gujaf-364	114	6	to	to	ADP
gujaf-364	114	7	this	this	DET
gujaf-364	114	8	growing	grow	VERB
gujaf-364	114	9	body	body	NOUN
gujaf-364	114	10	of	of	ADP
gujaf-364	114	11	literature	literature	NOUN
gujaf-364	114	12	by	by	ADP
gujaf-364	114	13	empirically	empirically	ADV
gujaf-364	114	14	examining	examine	VERB
gujaf-364	114	15	how	how	SCONJ
gujaf-364	114	16	fintech	fintech	NOUN
gujaf-364	114	17	penetration	penetration	NOUN
gujaf-364	114	18	affects	affect	VERB
gujaf-364	114	19	renewable	renewable	ADJ
gujaf-364	114	20	energy	energy	NOUN
gujaf-364	114	21	investment	investment	NOUN
gujaf-364	114	22	in	in	ADP
gujaf-364	114	23	developing	develop	VERB
gujaf-364	114	24	countries	country	NOUN
gujaf-364	114	25	.	.	PUNCT
gujaf-364	115	1	by	by	ADP
gujaf-364	115	2	employing	employ	VERB
gujaf-364	115	3	a	a	DET
gujaf-364	115	4	dynamic	dynamic	ADJ
gujaf-364	115	5	panel	panel	NOUN
gujaf-364	115	6	generalized	generalize	VERB
gujaf-364	115	7	method	method	NOUN
gujaf-364	115	8	of	of	ADP
gujaf-364	115	9	moments	moment	NOUN
gujaf-364	115	10	(	(	PUNCT
gujaf-364	115	11	gmm	gmm	NOUN
gujaf-364	115	12	)	)	PUNCT
gujaf-364	115	13	estimator	estimator	NOUN
gujaf-364	115	14	,	,	PUNCT
gujaf-364	115	15	this	this	DET
gujaf-364	115	16	study	study	NOUN
gujaf-364	115	17	addresses	address	VERB
gujaf-364	115	18	endogeneity	endogeneity	NOUN
gujaf-364	115	19	concerns	concern	NOUN
gujaf-364	115	20	and	and	CCONJ
gujaf-364	115	21	captures	capture	VERB
gujaf-364	115	22	the	the	DET
gujaf-364	115	23	dynamic	dynamic	ADJ
gujaf-364	115	24	nature	nature	NOUN
gujaf-364	115	25	of	of	ADP
gujaf-364	115	26	investment	investment	NOUN
gujaf-364	115	27	decisions	decision	NOUN
gujaf-364	115	28	over	over	ADP
gujaf-364	115	29	time	time	NOUN
gujaf-364	115	30	.	.	PUNCT
gujaf-364	116	1	the	the	DET
gujaf-364	116	2	theoretical	theoretical	ADJ
gujaf-364	116	3	underpinning	underpinning	NOUN
gujaf-364	116	4	of	of	ADP
gujaf-364	116	5	this	this	DET
gujaf-364	116	6	research	research	NOUN
gujaf-364	116	7	lies	lie	VERB
gujaf-364	116	8	in	in	ADP
gujaf-364	116	9	the	the	DET
gujaf-364	116	10	diffusion	diffusion	NOUN
gujaf-364	116	11	of	of	ADP
gujaf-364	116	12	innovation	innovation	NOUN
gujaf-364	116	13	theory	theory	NOUN
gujaf-364	116	14	and	and	CCONJ
gujaf-364	116	15	institutional	institutional	ADJ
gujaf-364	116	16	financial	financial	ADJ
gujaf-364	116	17	intermediation	intermediation	NOUN
gujaf-364	116	18	frameworks	framework	NOUN
gujaf-364	116	19	,	,	PUNCT
gujaf-364	116	20	which	which	PRON
gujaf-364	116	21	posit	posit	VERB
gujaf-364	116	22	that	that	SCONJ
gujaf-364	116	23	technological	technological	ADJ
gujaf-364	116	24	adoption	adoption	NOUN
gujaf-364	116	25	can	can	AUX
gujaf-364	116	26	alter	alter	VERB
gujaf-364	116	27	economic	economic	ADJ
gujaf-364	116	28	behavior	behavior	NOUN
gujaf-364	116	29	,	,	PUNCT
gujaf-364	116	30	lower	low	ADJ
gujaf-364	116	31	barriers	barrier	NOUN
gujaf-364	116	32	to	to	ADP
gujaf-364	116	33	entry	entry	NOUN
gujaf-364	116	34	in	in	ADP
gujaf-364	116	35	capital	capital	NOUN
gujaf-364	116	36	markets	market	NOUN
gujaf-364	116	37	,	,	PUNCT
gujaf-364	116	38	and	and	CCONJ
gujaf-364	116	39	reconfigure	reconfigure	VERB
gujaf-364	116	40	institutional	institutional	ADJ
gujaf-364	116	41	roles	role	NOUN
gujaf-364	116	42	(	(	PUNCT
gujaf-364	116	43	rogers	roger	NOUN
gujaf-364	116	44	,	,	PUNCT
gujaf-364	116	45	2003	2003	NUM
gujaf-364	116	46	;	;	PUNCT
gujaf-364	116	47	beck	beck	PROPN
gujaf-364	116	48	et	et	PROPN
gujaf-364	116	49	al	al	PROPN
gujaf-364	116	50	.	.	PROPN
gujaf-364	116	51	,	,	PUNCT
gujaf-364	116	52	2020	2020	NUM
gujaf-364	116	53	)	)	PUNCT
gujaf-364	116	54	.	.	PUNCT
gujaf-364	117	1	in	in	ADP
gujaf-364	117	2	this	this	DET
gujaf-364	117	3	light	light	NOUN
gujaf-364	117	4	,	,	PUNCT
gujaf-364	117	5	fintech	fintech	NOUN
gujaf-364	117	6	acts	act	VERB
gujaf-364	117	7	as	as	ADP
gujaf-364	117	8	a	a	DET
gujaf-364	117	9	disruptive	disruptive	ADJ
gujaf-364	117	10	institutional	institutional	ADJ
gujaf-364	117	11	mechanism	mechanism	NOUN
gujaf-364	117	12	that	that	PRON
gujaf-364	117	13	supports	support	VERB
gujaf-364	117	14	innovation	innovation	NOUN
gujaf-364	117	15	in	in	ADP
gujaf-364	117	16	infrastructure	infrastructure	NOUN
gujaf-364	117	17	financing	financing	NOUN
gujaf-364	117	18	and	and	CCONJ
gujaf-364	117	19	enhances	enhance	VERB
gujaf-364	117	20	the	the	DET
gujaf-364	117	21	capacity	capacity	NOUN
gujaf-364	117	22	of	of	ADP
gujaf-364	117	23	governments	government	NOUN
gujaf-364	117	24	and	and	CCONJ
gujaf-364	117	25	markets	market	NOUN
gujaf-364	117	26	to	to	PART
gujaf-364	117	27	transition	transition	VERB
gujaf-364	117	28	toward	toward	ADP
gujaf-364	117	29	greener	green	ADJ
gujaf-364	117	30	energy	energy	NOUN
gujaf-364	117	31	systems	system	NOUN
gujaf-364	117	32	.	.	PUNCT
gujaf-364	118	1	moreover	moreover	ADV
gujaf-364	118	2	,	,	PUNCT
gujaf-364	118	3	the	the	DET
gujaf-364	118	4	study	study	NOUN
gujaf-364	118	5	reflects	reflect	VERB
gujaf-364	118	6	a	a	DET
gujaf-364	118	7	paradigmatic	paradigmatic	ADJ
gujaf-364	118	8	shift	shift	NOUN
gujaf-364	118	9	from	from	ADP
gujaf-364	118	10	top	top	ADJ
gujaf-364	118	11	-	-	PUNCT
gujaf-364	118	12	down	down	ADP
gujaf-364	118	13	financing	financing	NOUN
gujaf-364	118	14	models	model	NOUN
gujaf-364	118	15	to	to	ADP
gujaf-364	118	16	bottom	bottom	NOUN
gujaf-364	118	17	-	-	PUNCT
gujaf-364	118	18	up	up	NOUN
gujaf-364	118	19	,	,	PUNCT
gujaf-364	118	20	digitally	digitally	ADV
gujaf-364	118	21	-	-	PUNCT
gujaf-364	118	22	enabled	enable	VERB
gujaf-364	118	23	investment	investment	NOUN
gujaf-364	118	24	ecosystems	ecosystem	NOUN
gujaf-364	118	25	.	.	PUNCT
gujaf-364	119	1	policy	policy	NOUN
gujaf-364	119	2	implications	implication	NOUN
gujaf-364	119	3	of	of	ADP
gujaf-364	119	4	this	this	DET
gujaf-364	119	5	nexus	nexus	NOUN
gujaf-364	119	6	between	between	ADP
gujaf-364	119	7	fintech	fintech	NOUN
gujaf-364	119	8	and	and	CCONJ
gujaf-364	119	9	renewable	renewable	ADJ
gujaf-364	119	10	energy	energy	NOUN
gujaf-364	119	11	are	be	AUX
gujaf-364	119	12	profound	profound	ADJ
gujaf-364	119	13	.	.	PUNCT
gujaf-364	120	1	with	with	ADP
gujaf-364	120	2	mounting	mount	VERB
gujaf-364	120	3	pressure	pressure	NOUN
gujaf-364	120	4	on	on	ADP
gujaf-364	120	5	developing	develop	VERB
gujaf-364	120	6	nations	nation	NOUN
gujaf-364	120	7	to	to	PART
gujaf-364	120	8	meet	meet	VERB
gujaf-364	120	9	their	their	PRON
gujaf-364	120	10	nationally	nationally	ADV
gujaf-364	120	11	determined	determined	ADJ
gujaf-364	120	12	contributions	contribution	NOUN
gujaf-364	120	13	(	(	PUNCT
gujaf-364	120	14	ndcs	ndc	NOUN
gujaf-364	120	15	)	)	PUNCT
gujaf-364	120	16	under	under	ADP
gujaf-364	120	17	the	the	DET
gujaf-364	120	18	paris	paris	PROPN
gujaf-364	120	19	agreement	agreement	NOUN
gujaf-364	120	20	,	,	PUNCT
gujaf-364	120	21	scalable	scalable	ADJ
gujaf-364	120	22	and	and	CCONJ
gujaf-364	120	23	inclusive	inclusive	ADJ
gujaf-364	120	24	financing	financing	NOUN
gujaf-364	120	25	solutions	solution	NOUN
gujaf-364	120	26	are	be	AUX
gujaf-364	120	27	urgently	urgently	ADV
gujaf-364	120	28	needed	need	VERB
gujaf-364	120	29	.	.	PUNCT
gujaf-364	121	1	fintech	fintech	NOUN
gujaf-364	121	2	offers	offer	VERB
gujaf-364	121	3	a	a	DET
gujaf-364	121	4	unique	unique	ADJ
gujaf-364	121	5	platform	platform	NOUN
gujaf-364	121	6	to	to	PART
gujaf-364	121	7	mobilize	mobilize	VERB
gujaf-364	121	8	domestic	domestic	ADJ
gujaf-364	121	9	savings	saving	NOUN
gujaf-364	121	10	,	,	PUNCT
gujaf-364	121	11	channel	channel	NOUN
gujaf-364	121	12	remittances	remittance	NOUN
gujaf-364	121	13	,	,	PUNCT
gujaf-364	121	14	and	and	CCONJ
gujaf-364	121	15	engage	engage	VERB
gujaf-364	121	16	diaspora	diaspora	NOUN
gujaf-364	121	17	and	and	CCONJ
gujaf-364	121	18	local	local	ADJ
gujaf-364	121	19	communities	community	NOUN
gujaf-364	121	20	in	in	ADP
gujaf-364	121	21	climate	climate	NOUN
gujaf-364	121	22	-	-	PUNCT
gujaf-364	121	23	resilient	resilient	ADJ
gujaf-364	121	24	projects	project	NOUN
gujaf-364	121	25	(	(	PUNCT
gujaf-364	121	26	demirgüç	demirgüç	NOUN
gujaf-364	121	27	-	-	PUNCT
gujaf-364	121	28	kunt	kunt	PROPN
gujaf-364	121	29	et	et	PROPN
gujaf-364	121	30	al	al	PROPN
gujaf-364	121	31	.	.	PROPN
gujaf-364	121	32	,	,	PUNCT
gujaf-364	121	33	2022	2022	NUM
gujaf-364	121	34	)	)	PUNCT
gujaf-364	121	35	.	.	PUNCT
gujaf-364	122	1	the	the	DET
gujaf-364	122	2	integration	integration	NOUN
gujaf-364	122	3	of	of	ADP
gujaf-364	122	4	fintech	fintech	NOUN
gujaf-364	122	5	into	into	ADP
gujaf-364	122	6	green	green	ADJ
gujaf-364	122	7	finance	finance	NOUN
gujaf-364	122	8	frameworks	framework	NOUN
gujaf-364	122	9	could	could	AUX
gujaf-364	122	10	also	also	ADV
gujaf-364	122	11	enhance	enhance	VERB
gujaf-364	122	12	transparency	transparency	NOUN
gujaf-364	122	13	,	,	PUNCT
gujaf-364	122	14	monitoring	monitoring	NOUN
gujaf-364	122	15	,	,	PUNCT
gujaf-364	122	16	and	and	CCONJ
gujaf-364	122	17	accountability	accountability	NOUN
gujaf-364	122	18	.	.	PUNCT
gujaf-364	123	1	this	this	DET
gujaf-364	123	2	study	study	NOUN
gujaf-364	123	3	seeks	seek	VERB
gujaf-364	123	4	to	to	PART
gujaf-364	123	5	explore	explore	VERB
gujaf-364	123	6	not	not	PART
gujaf-364	123	7	just	just	ADV
gujaf-364	123	8	whether	whether	SCONJ
gujaf-364	123	9	fintech	fintech	NOUN
gujaf-364	123	10	accelerates	accelerate	VERB
gujaf-364	123	11	renewable	renewable	ADJ
gujaf-364	123	12	energy	energy	NOUN
gujaf-364	123	13	investments	investment	NOUN
gujaf-364	123	14	,	,	PUNCT
gujaf-364	123	15	but	but	CCONJ
gujaf-364	123	16	how	how	SCONJ
gujaf-364	123	17	it	it	PRON
gujaf-364	123	18	does	do	VERB
gujaf-364	123	19	so	so	ADV
gujaf-364	123	20	in	in	ADP
gujaf-364	123	21	ways	way	NOUN
gujaf-364	123	22	that	that	PRON
gujaf-364	123	23	are	be	AUX
gujaf-364	123	24	structurally	structurally	ADV
gujaf-364	123	25	transformative	transformative	ADJ
gujaf-364	123	26	and	and	CCONJ
gujaf-364	123	27	contextually	contextually	ADV
gujaf-364	123	28	adaptive	adaptive	ADJ
gujaf-364	123	29	to	to	ADP
gujaf-364	123	30	the	the	DET
gujaf-364	123	31	realities	reality	NOUN
gujaf-364	123	32	of	of	ADP
gujaf-364	123	33	developing	develop	VERB
gujaf-364	123	34	countries	country	NOUN
gujaf-364	123	35	.	.	PUNCT
gujaf-364	124	1	in	in	ADP
gujaf-364	124	2	providing	provide	VERB
gujaf-364	124	3	empirical	empirical	ADJ
gujaf-364	124	4	insights	insight	NOUN
gujaf-364	124	5	into	into	ADP
gujaf-364	124	6	the	the	DET
gujaf-364	124	7	digital	digital	ADJ
gujaf-364	124	8	finance	finance	NOUN
gujaf-364	124	9	–	–	PUNCT
gujaf-364	124	10	green	green	ADJ
gujaf-364	124	11	economy	economy	NOUN
gujaf-364	124	12	interface	interface	NOUN
gujaf-364	124	13	,	,	PUNCT
gujaf-364	124	14	the	the	DET
gujaf-364	124	15	paper	paper	NOUN
gujaf-364	124	16	advances	advance	VERB
gujaf-364	124	17	interdisciplinary	interdisciplinary	ADJ
gujaf-364	124	18	understanding	understanding	NOUN
gujaf-364	124	19	and	and	CCONJ
gujaf-364	124	20	informs	inform	VERB
gujaf-364	124	21	policymakers	policymaker	NOUN
gujaf-364	124	22	,	,	PUNCT
gujaf-364	124	23	investors	investor	NOUN
gujaf-364	124	24	,	,	PUNCT
gujaf-364	124	25	and	and	CCONJ
gujaf-364	124	26	stakeholders	stakeholder	NOUN
gujaf-364	124	27	on	on	ADP
gujaf-364	124	28	actionable	actionable	ADJ
gujaf-364	124	29	levers	lever	NOUN
gujaf-364	124	30	for	for	ADP
gujaf-364	124	31	achieving	achieve	VERB
gujaf-364	124	32	sdgs	sdgs	ADJ
gujaf-364	124	33	7	7	NUM
gujaf-364	124	34	and	and	CCONJ
gujaf-364	124	35	9	9	NUM
gujaf-364	124	36	.	.	X
gujaf-364	124	37	2.0	2.0	NUM
gujaf-364	124	38	literature	literature	NOUN
gujaf-364	124	39	review	review	NOUN
gujaf-364	124	40	and	and	CCONJ
gujaf-364	124	41	hypotheses	hypothese	VERB
gujaf-364	124	42	the	the	DET
gujaf-364	124	43	intersection	intersection	NOUN
gujaf-364	124	44	of	of	ADP
gujaf-364	124	45	fintech	fintech	NOUN
gujaf-364	124	46	and	and	CCONJ
gujaf-364	124	47	renewable	renewable	ADJ
gujaf-364	124	48	energy	energy	NOUN
gujaf-364	124	49	finance	finance	NOUN
gujaf-364	124	50	is	be	AUX
gujaf-364	124	51	increasingly	increasingly	ADV
gujaf-364	124	52	analyzed	analyze	VERB
gujaf-364	124	53	through	through	ADP
gujaf-364	124	54	the	the	DET
gujaf-364	124	55	lenses	lense	NOUN
gujaf-364	124	56	of	of	ADP
gujaf-364	124	57	diffusion	diffusion	NOUN
gujaf-364	124	58	of	of	ADP
gujaf-364	124	59	innovation	innovation	NOUN
gujaf-364	124	60	and	and	CCONJ
gujaf-364	124	61	institutional	institutional	ADJ
gujaf-364	124	62	financial	financial	ADJ
gujaf-364	124	63	intermediation	intermediation	NOUN
gujaf-364	124	64	.	.	PUNCT
gujaf-364	125	1	the	the	DET
gujaf-364	125	2	diffusion	diffusion	NOUN
gujaf-364	125	3	of	of	ADP
gujaf-364	125	4	innovation	innovation	NOUN
gujaf-364	125	5	(	(	PUNCT
gujaf-364	125	6	doi	doi	NOUN
gujaf-364	125	7	)	)	PUNCT
gujaf-364	125	8	theory	theory	NOUN
gujaf-364	125	9	,	,	PUNCT
gujaf-364	125	10	as	as	SCONJ
gujaf-364	125	11	first	first	ADV
gujaf-364	125	12	articulated	articulate	VERB
gujaf-364	125	13	by	by	ADP
gujaf-364	125	14	rogers	roger	NOUN
gujaf-364	125	15	and	and	CCONJ
gujaf-364	125	16	updated	update	VERB
gujaf-364	125	17	in	in	ADP
gujaf-364	125	18	the	the	DET
gujaf-364	125	19	contemporary	contemporary	ADJ
gujaf-364	125	20	innovation	innovation	NOUN
gujaf-364	125	21	context	context	NOUN
gujaf-364	125	22	,	,	PUNCT
gujaf-364	125	23	suggests	suggest	VERB
gujaf-364	125	24	that	that	SCONJ
gujaf-364	125	25	new	new	ADJ
gujaf-364	125	26	technologies	technology	NOUN
gujaf-364	125	27	spread	spread	VERB
gujaf-364	125	28	through	through	ADP
gujaf-364	125	29	social	social	ADJ
gujaf-364	125	30	systems	system	NOUN
gujaf-364	125	31	according	accord	VERB
gujaf-364	125	32	to	to	ADP
gujaf-364	125	33	predictable	predictable	ADJ
gujaf-364	125	34	stages	stage	NOUN
gujaf-364	125	35	,	,	PUNCT
gujaf-364	125	36	with	with	ADP
gujaf-364	125	37	adoption	adoption	NOUN
gujaf-364	125	38	rates	rate	NOUN
gujaf-364	125	39	influenced	influence	VERB
gujaf-364	125	40	by	by	ADP
gujaf-364	125	41	attributes	attribute	NOUN
gujaf-364	125	42	such	such	ADJ
gujaf-364	125	43	as	as	ADP
gujaf-364	125	44	relative	relative	ADJ
gujaf-364	125	45	advantage	advantage	NOUN
gujaf-364	125	46	,	,	PUNCT
gujaf-364	125	47	compatibility	compatibility	NOUN
gujaf-364	125	48	,	,	PUNCT
gujaf-364	125	49	and	and	CCONJ
gujaf-364	125	50	complexity	complexity	NOUN
gujaf-364	125	51	(	(	PUNCT
gujaf-364	125	52	rogers	roger	NOUN
gujaf-364	125	53	,	,	PUNCT
gujaf-364	125	54	2003	2003	NUM
gujaf-364	125	55	;	;	PUNCT
gujaf-364	125	56	truong	truong	PROPN
gujaf-364	125	57	&	&	CCONJ
gujaf-364	125	58	simmons	simmon	NOUN
gujaf-364	125	59	,	,	PUNCT
gujaf-364	125	60	2021	2021	NUM
gujaf-364	125	61	)	)	PUNCT
gujaf-364	125	62	.	.	PUNCT
gujaf-364	126	1	fintech	fintech	NOUN
gujaf-364	126	2	innovations	innovation	NOUN
gujaf-364	126	3	like	like	ADP
gujaf-364	126	4	mobile	mobile	ADJ
gujaf-364	126	5	money	money	NOUN
gujaf-364	126	6	platforms	platform	NOUN
gujaf-364	126	7	and	and	CCONJ
gujaf-364	126	8	digital	digital	ADJ
gujaf-364	126	9	lending	lending	NOUN
gujaf-364	126	10	tools	tool	NOUN
gujaf-364	126	11	exhibit	exhibit	VERB
gujaf-364	126	12	these	these	DET
gujaf-364	126	13	characteristics	characteristic	NOUN
gujaf-364	126	14	:	:	PUNCT
gujaf-364	126	15	they	they	PRON
gujaf-364	126	16	reduce	reduce	VERB
gujaf-364	126	17	transaction	transaction	NOUN
gujaf-364	126	18	costs	cost	NOUN
gujaf-364	126	19	and	and	CCONJ
gujaf-364	126	20	overcome	overcome	VERB
gujaf-364	126	21	logistical	logistical	ADJ
gujaf-364	126	22	barriers	barrier	NOUN
gujaf-364	126	23	,	,	PUNCT
gujaf-364	126	24	thus	thus	ADV
gujaf-364	126	25	lowering	lower	VERB
gujaf-364	126	26	friction	friction	NOUN
gujaf-364	126	27	in	in	ADP
gujaf-364	126	28	reaching	reach	VERB
gujaf-364	126	29	underserved	underserved	ADJ
gujaf-364	126	30	populations	population	NOUN
gujaf-364	126	31	an	an	DET
gujaf-364	126	32	outcome	outcome	NOUN
gujaf-364	126	33	amplified	amplify	VERB
gujaf-364	126	34	in	in	ADP
gujaf-364	126	35	sectors	sector	NOUN
gujaf-364	126	36	like	like	ADP
gujaf-364	126	37	off	off	ADP
gujaf-364	126	38	-	-	PUNCT
gujaf-364	126	39	grid	grid	NOUN
gujaf-364	126	40	solar	solar	ADJ
gujaf-364	126	41	energy	energy	NOUN
gujaf-364	126	42	where	where	SCONJ
gujaf-364	126	43	last	last	ADJ
gujaf-364	126	44	-	-	PUNCT
gujaf-364	126	45	mile	mile	NOUN
gujaf-364	126	46	access	access	NOUN
gujaf-364	126	47	matters	matter	NOUN
gujaf-364	126	48	(	(	PUNCT
gujaf-364	126	49	andrews	andrews	NOUN
gujaf-364	126	50	-	-	PUNCT
gujaf-364	126	51	price	price	PROPN
gujaf-364	126	52	&	&	CCONJ
gujaf-364	126	53	rotenberg	rotenberg	PROPN
gujaf-364	126	54	,	,	PUNCT
gujaf-364	126	55	2018	2018	NUM
gujaf-364	126	56	;	;	PUNCT
gujaf-364	126	57	heeks	heek	NOUN
gujaf-364	126	58	&	&	CCONJ
gujaf-364	126	59	jagun	jagun	PROPN
gujaf-364	126	60	,	,	PUNCT
gujaf-364	126	61	2019	2019	NUM
gujaf-364	126	62	)	)	PUNCT
gujaf-364	126	63	.	.	PUNCT
gujaf-364	127	1	this	this	DET
gujaf-364	127	2	adoption	adoption	NOUN
gujaf-364	127	3	logic	logic	NOUN
gujaf-364	127	4	also	also	ADV
gujaf-364	127	5	gusau	gusau	PROPN
gujaf-364	127	6	journal	journal	NOUN
gujaf-364	127	7	of	of	ADP
gujaf-364	127	8	accounting	accounting	NOUN
gujaf-364	127	9	and	and	CCONJ
gujaf-364	127	10	finance	finance	NOUN
gujaf-364	127	11	,	,	PUNCT
gujaf-364	127	12	vol.6	vol.6	PROPN
gujaf-364	127	13	,	,	PUNCT
gujaf-364	127	14	issue	issue	NOUN
gujaf-364	127	15	1	1	NUM
gujaf-364	127	16	,	,	PUNCT
gujaf-364	127	17	april	april	PROPN
gujaf-364	127	18	,	,	PUNCT
gujaf-364	127	19	2025	2025	NUM
gujaf-364	127	20	3	3	NUM
gujaf-364	127	21	helps	help	VERB
gujaf-364	127	22	explain	explain	VERB
gujaf-364	127	23	how	how	SCONJ
gujaf-364	127	24	fintech	fintech	NOUN
gujaf-364	127	25	can	can	AUX
gujaf-364	127	26	catalyze	catalyze	VERB
gujaf-364	127	27	social	social	ADJ
gujaf-364	127	28	contagion	contagion	NOUN
gujaf-364	127	29	effects	effect	NOUN
gujaf-364	127	30	peer	peer	NOUN
gujaf-364	127	31	-	-	PUNCT
gujaf-364	127	32	to	to	ADP
gujaf-364	127	33	-	-	PUNCT
gujaf-364	127	34	peer	peer	NOUN
gujaf-364	127	35	lending	lending	NOUN
gujaf-364	127	36	and	and	CCONJ
gujaf-364	127	37	crowdfunding	crowdfunding	NOUN
gujaf-364	127	38	platforms	platform	NOUN
gujaf-364	127	39	may	may	AUX
gujaf-364	127	40	spread	spread	VERB
gujaf-364	127	41	via	via	ADP
gujaf-364	127	42	social	social	ADJ
gujaf-364	127	43	networks	network	NOUN
gujaf-364	127	44	,	,	PUNCT
gujaf-364	127	45	accelerating	accelerate	VERB
gujaf-364	127	46	capital	capital	NOUN
gujaf-364	127	47	formation	formation	NOUN
gujaf-364	127	48	for	for	ADP
gujaf-364	127	49	renewable	renewable	ADJ
gujaf-364	127	50	energy	energy	NOUN
gujaf-364	127	51	projects	project	NOUN
gujaf-364	127	52	in	in	ADP
gujaf-364	127	53	community	community	NOUN
gujaf-364	127	54	contexts	contexts	NOUN
gujaf-364	127	55	.	.	PUNCT
gujaf-364	128	1	institutional	institutional	ADJ
gujaf-364	128	2	intermediation	intermediation	NOUN
gujaf-364	128	3	theory	theory	NOUN
gujaf-364	128	4	examines	examine	VERB
gujaf-364	128	5	how	how	SCONJ
gujaf-364	128	6	fintech	fintech	NOUN
gujaf-364	128	7	reconfigures	reconfigure	VERB
gujaf-364	128	8	the	the	DET
gujaf-364	128	9	roles	role	NOUN
gujaf-364	128	10	of	of	ADP
gujaf-364	128	11	traditional	traditional	ADJ
gujaf-364	128	12	financial	financial	ADJ
gujaf-364	128	13	players	player	NOUN
gujaf-364	128	14	and	and	CCONJ
gujaf-364	128	15	expands	expand	VERB
gujaf-364	128	16	the	the	DET
gujaf-364	128	17	spectrum	spectrum	NOUN
gujaf-364	128	18	of	of	ADP
gujaf-364	128	19	market	market	NOUN
gujaf-364	128	20	actors	actor	NOUN
gujaf-364	128	21	.	.	PUNCT
gujaf-364	129	1	beck	beck	PROPN
gujaf-364	129	2	et	et	PROPN
gujaf-364	129	3	al	al	PROPN
gujaf-364	129	4	.	.	PROPN
gujaf-364	130	1	(	(	PUNCT
gujaf-364	130	2	2020	2020	NUM
gujaf-364	130	3	)	)	PUNCT
gujaf-364	130	4	highlight	highlight	VERB
gujaf-364	130	5	both	both	PRON
gujaf-364	130	6	the	the	DET
gujaf-364	130	7	promising	promising	ADJ
gujaf-364	130	8	and	and	CCONJ
gujaf-364	130	9	precarious	precarious	ADJ
gujaf-364	130	10	dimensions	dimension	NOUN
gujaf-364	130	11	of	of	ADP
gujaf-364	130	12	financial	financial	ADJ
gujaf-364	130	13	innovation	innovation	NOUN
gujaf-364	130	14	:	:	PUNCT
gujaf-364	130	15	fintech	fintech	NOUN
gujaf-364	130	16	can	can	AUX
gujaf-364	130	17	displace	displace	VERB
gujaf-364	130	18	legacy	legacy	NOUN
gujaf-364	130	19	institutions	institution	NOUN
gujaf-364	130	20	by	by	ADP
gujaf-364	130	21	lowering	lower	VERB
gujaf-364	130	22	entry	entry	NOUN
gujaf-364	130	23	barriers	barrier	NOUN
gujaf-364	130	24	,	,	PUNCT
gujaf-364	130	25	yet	yet	ADV
gujaf-364	130	26	also	also	ADV
gujaf-364	130	27	pose	pose	VERB
gujaf-364	130	28	new	new	ADJ
gujaf-364	130	29	regulatory	regulatory	ADJ
gujaf-364	130	30	,	,	PUNCT
gujaf-364	130	31	operational	operational	ADJ
gujaf-364	130	32	,	,	PUNCT
gujaf-364	130	33	and	and	CCONJ
gujaf-364	130	34	systemic	systemic	ADJ
gujaf-364	130	35	risks	risk	NOUN
gujaf-364	130	36	.	.	PUNCT
gujaf-364	131	1	for	for	ADP
gujaf-364	131	2	renewable	renewable	ADJ
gujaf-364	131	3	energy	energy	NOUN
gujaf-364	131	4	finance	finance	NOUN
gujaf-364	131	5	,	,	PUNCT
gujaf-364	131	6	digital	digital	ADJ
gujaf-364	131	7	platforms	platform	NOUN
gujaf-364	131	8	serve	serve	VERB
gujaf-364	131	9	as	as	ADP
gujaf-364	131	10	alternative	alternative	ADJ
gujaf-364	131	11	intermediaries	intermediary	NOUN
gujaf-364	131	12	often	often	ADV
gujaf-364	131	13	bypassing	bypass	VERB
gujaf-364	131	14	cumbersome	cumbersome	ADJ
gujaf-364	131	15	credit	credit	NOUN
gujaf-364	131	16	assessment	assessment	NOUN
gujaf-364	131	17	procedures	procedure	NOUN
gujaf-364	131	18	typical	typical	ADJ
gujaf-364	131	19	of	of	ADP
gujaf-364	131	20	traditional	traditional	ADJ
gujaf-364	131	21	banks	bank	NOUN
gujaf-364	131	22	.	.	PUNCT
gujaf-364	132	1	studies	study	NOUN
gujaf-364	132	2	show	show	VERB
gujaf-364	132	3	that	that	SCONJ
gujaf-364	132	4	fintech	fintech	NOUN
gujaf-364	132	5	firms	firm	NOUN
gujaf-364	132	6	frequently	frequently	ADV
gujaf-364	132	7	leverage	leverage	VERB
gujaf-364	132	8	alternative	alternative	ADJ
gujaf-364	132	9	data	datum	NOUN
gujaf-364	132	10	(	(	PUNCT
gujaf-364	132	11	e.g.	e.g.	ADV
gujaf-364	132	12	,	,	PUNCT
gujaf-364	132	13	mobile	mobile	ADJ
gujaf-364	132	14	usage	usage	NOUN
gujaf-364	132	15	,	,	PUNCT
gujaf-364	132	16	pay	pay	NOUN
gujaf-364	132	17	-	-	PUNCT
gujaf-364	132	18	as	as	ADP
gujaf-364	132	19	-	-	PUNCT
gujaf-364	132	20	you	you	PRON
gujaf-364	132	21	-	-	PUNCT
gujaf-364	132	22	go	go	VERB
gujaf-364	132	23	solar	solar	ADJ
gujaf-364	132	24	telemetry	telemetry	NOUN
gujaf-364	132	25	)	)	PUNCT
gujaf-364	132	26	to	to	PART
gujaf-364	132	27	enhance	enhance	VERB
gujaf-364	132	28	credit	credit	NOUN
gujaf-364	132	29	scoring	scoring	NOUN
gujaf-364	132	30	accuracy	accuracy	NOUN
gujaf-364	132	31	,	,	PUNCT
gujaf-364	132	32	thereby	thereby	ADV
gujaf-364	132	33	reducing	reduce	VERB
gujaf-364	132	34	information	information	NOUN
gujaf-364	132	35	asymmetries	asymmetry	NOUN
gujaf-364	132	36	and	and	CCONJ
gujaf-364	132	37	perceived	perceive	VERB
gujaf-364	132	38	risk	risk	NOUN
gujaf-364	132	39	(	(	PUNCT
gujaf-364	132	40	mukherjee	mukherjee	PROPN
gujaf-364	132	41	&	&	CCONJ
gujaf-364	132	42	dutta	dutta	PROPN
gujaf-364	132	43	,	,	PUNCT
gujaf-364	132	44	2020	2020	NUM
gujaf-364	132	45	)	)	PUNCT
gujaf-364	132	46	.	.	PUNCT
gujaf-364	133	1	this	this	DET
gujaf-364	133	2	dynamic	dynamic	ADJ
gujaf-364	133	3	aligns	align	VERB
gujaf-364	133	4	with	with	ADP
gujaf-364	133	5	north	north	NOUN
gujaf-364	133	6	’s	’s	PART
gujaf-364	133	7	(	(	PUNCT
gujaf-364	133	8	1990	1990	NUM
gujaf-364	133	9	)	)	PUNCT
gujaf-364	133	10	framework	framework	NOUN
gujaf-364	133	11	on	on	ADP
gujaf-364	133	12	how	how	SCONJ
gujaf-364	133	13	institutional	institutional	ADJ
gujaf-364	133	14	frameworks	framework	NOUN
gujaf-364	133	15	and	and	CCONJ
gujaf-364	133	16	norms	norm	NOUN
gujaf-364	133	17	shape	shape	VERB
gujaf-364	133	18	economic	economic	ADJ
gujaf-364	133	19	performance	performance	NOUN
gujaf-364	133	20	.	.	PUNCT
gujaf-364	134	1	sustainability	sustainability	NOUN
gujaf-364	134	2	transitions	transition	NOUN
gujaf-364	134	3	theory	theory	NOUN
gujaf-364	134	4	,	,	PUNCT
gujaf-364	134	5	originating	originate	VERB
gujaf-364	134	6	from	from	ADP
gujaf-364	134	7	the	the	DET
gujaf-364	134	8	multi	multi	ADJ
gujaf-364	134	9	-	-	ADJ
gujaf-364	134	10	level	level	ADJ
gujaf-364	134	11	perspective	perspective	NOUN
gujaf-364	134	12	(	(	PUNCT
gujaf-364	134	13	mlp	mlp	NOUN
gujaf-364	134	14	)	)	PUNCT
gujaf-364	134	15	,	,	PUNCT
gujaf-364	134	16	highlights	highlight	VERB
gujaf-364	134	17	how	how	SCONJ
gujaf-364	134	18	niche	niche	NOUN
gujaf-364	134	19	innovations	innovation	NOUN
gujaf-364	134	20	can	can	AUX
gujaf-364	134	21	mature	mature	VERB
gujaf-364	134	22	into	into	ADP
gujaf-364	134	23	mainstream	mainstream	NOUN
gujaf-364	134	24	technologies	technology	NOUN
gujaf-364	134	25	through	through	ADP
gujaf-364	134	26	alignment	alignment	NOUN
gujaf-364	134	27	at	at	ADP
gujaf-364	134	28	the	the	DET
gujaf-364	134	29	socio	socio	NOUN
gujaf-364	134	30	-	-	PUNCT
gujaf-364	134	31	technical	technical	ADJ
gujaf-364	134	32	,	,	PUNCT
gujaf-364	134	33	market	market	NOUN
gujaf-364	134	34	,	,	PUNCT
gujaf-364	134	35	and	and	CCONJ
gujaf-364	134	36	policy	policy	NOUN
gujaf-364	134	37	levels	level	NOUN
gujaf-364	134	38	(	(	PUNCT
gujaf-364	134	39	geels	geel	NOUN
gujaf-364	134	40	,	,	PUNCT
gujaf-364	134	41	2018	2018	NUM
gujaf-364	134	42	)	)	PUNCT
gujaf-364	134	43	.	.	PUNCT
gujaf-364	135	1	in	in	ADP
gujaf-364	135	2	this	this	DET
gujaf-364	135	3	model	model	NOUN
gujaf-364	135	4	,	,	PUNCT
gujaf-364	135	5	fintech	fintech	NOUN
gujaf-364	135	6	-	-	PUNCT
gujaf-364	135	7	enabled	enable	VERB
gujaf-364	135	8	platforms	platform	NOUN
gujaf-364	135	9	function	function	VERB
gujaf-364	135	10	as	as	ADP
gujaf-364	135	11	niche	niche	NOUN
gujaf-364	135	12	intermediaries	intermediary	NOUN
gujaf-364	135	13	that	that	PRON
gujaf-364	135	14	channel	channel	VERB
gujaf-364	135	15	decentralized	decentralize	VERB
gujaf-364	135	16	finance	finance	NOUN
gujaf-364	135	17	into	into	ADP
gujaf-364	135	18	renewable	renewable	ADJ
gujaf-364	135	19	energy	energy	NOUN
gujaf-364	135	20	solutions	solution	NOUN
gujaf-364	135	21	,	,	PUNCT
gujaf-364	135	22	enhancing	enhance	VERB
gujaf-364	135	23	both	both	PRON
gujaf-364	135	24	project	project	NOUN
gujaf-364	135	25	viability	viability	NOUN
gujaf-364	135	26	and	and	CCONJ
gujaf-364	135	27	policy	policy	NOUN
gujaf-364	135	28	influence	influence	NOUN
gujaf-364	135	29	(	(	PUNCT
gujaf-364	135	30	mealy	mealy	PROPN
gujaf-364	135	31	&	&	CCONJ
gujaf-364	135	32	teytelboym	teytelboym	ADJ
gujaf-364	135	33	,	,	PUNCT
gujaf-364	135	34	2020	2020	NUM
gujaf-364	135	35	)	)	PUNCT
gujaf-364	135	36	.	.	PUNCT
gujaf-364	136	1	for	for	ADP
gujaf-364	136	2	instance	instance	NOUN
gujaf-364	136	3	,	,	PUNCT
gujaf-364	136	4	digital	digital	ADJ
gujaf-364	136	5	crowdfunding	crowdfunding	NOUN
gujaf-364	136	6	platforms	platform	NOUN
gujaf-364	136	7	often	often	ADV
gujaf-364	136	8	interact	interact	VERB
gujaf-364	136	9	with	with	ADP
gujaf-364	136	10	regulatory	regulatory	ADJ
gujaf-364	136	11	sandboxes	sandbox	NOUN
gujaf-364	136	12	or	or	CCONJ
gujaf-364	136	13	green	green	ADJ
gujaf-364	136	14	bond	bond	NOUN
gujaf-364	136	15	label	label	NOUN
gujaf-364	136	16	schemes	scheme	NOUN
gujaf-364	136	17	,	,	PUNCT
gujaf-364	136	18	bridging	bridge	VERB
gujaf-364	136	19	grassroots	grassroot	NOUN
gujaf-364	136	20	financing	financing	NOUN
gujaf-364	136	21	with	with	ADP
gujaf-364	136	22	formal	formal	ADJ
gujaf-364	136	23	regulatory	regulatory	ADJ
gujaf-364	136	24	structures	structure	NOUN
gujaf-364	136	25	.	.	PUNCT
gujaf-364	137	1	this	this	DET
gujaf-364	137	2	coevolution	coevolution	NOUN
gujaf-364	137	3	of	of	ADP
gujaf-364	137	4	niche	niche	NOUN
gujaf-364	137	5	and	and	CCONJ
gujaf-364	137	6	regime	regime	NOUN
gujaf-364	137	7	supports	support	VERB
gujaf-364	137	8	structural	structural	ADJ
gujaf-364	137	9	transformation	transformation	NOUN
gujaf-364	137	10	in	in	ADP
gujaf-364	137	11	energy	energy	NOUN
gujaf-364	137	12	systems	system	NOUN
gujaf-364	137	13	.	.	PUNCT
gujaf-364	138	1	the	the	DET
gujaf-364	138	2	financial	financial	ADJ
gujaf-364	138	3	inclusion	inclusion	NOUN
gujaf-364	138	4	and	and	CCONJ
gujaf-364	138	5	resilience	resilience	NOUN
gujaf-364	138	6	framework	framework	NOUN
gujaf-364	138	7	emphasizes	emphasize	VERB
gujaf-364	138	8	fintech	fintech	NOUN
gujaf-364	138	9	’s	’s	PART
gujaf-364	138	10	ability	ability	NOUN
gujaf-364	138	11	to	to	PART
gujaf-364	138	12	extend	extend	VERB
gujaf-364	138	13	financial	financial	ADJ
gujaf-364	138	14	services	service	NOUN
gujaf-364	138	15	to	to	ADP
gujaf-364	138	16	underserved	underserved	ADJ
gujaf-364	138	17	communities	community	NOUN
gujaf-364	138	18	and	and	CCONJ
gujaf-364	138	19	strengthen	strengthen	VERB
gujaf-364	138	20	households	household	NOUN
gujaf-364	138	21	’	'	PUNCT
gujaf-364	138	22	resilience	resilience	NOUN
gujaf-364	138	23	to	to	ADP
gujaf-364	138	24	climate	climate	NOUN
gujaf-364	138	25	shocks	shock	NOUN
gujaf-364	138	26	(	(	PUNCT
gujaf-364	138	27	demirgüç	demirgüç	PROPN
gujaf-364	138	28	-	-	PUNCT
gujaf-364	138	29	kunt	kunt	PROPN
gujaf-364	138	30	et	et	PROPN
gujaf-364	138	31	al	al	PROPN
gujaf-364	138	32	.	.	PROPN
gujaf-364	138	33	,	,	PUNCT
gujaf-364	138	34	2021	2021	NUM
gujaf-364	138	35	;	;	PUNCT
gujaf-364	138	36	cull	cull	NOUN
gujaf-364	138	37	et	et	PROPN
gujaf-364	138	38	al	al	PROPN
gujaf-364	138	39	.	.	PROPN
gujaf-364	138	40	,	,	PUNCT
gujaf-364	138	41	2020	2020	NUM
gujaf-364	138	42	)	)	PUNCT
gujaf-364	138	43	.	.	PUNCT
gujaf-364	139	1	with	with	ADP
gujaf-364	139	2	mobile	mobile	ADJ
gujaf-364	139	3	money	money	NOUN
gujaf-364	139	4	-	-	PUNCT
gujaf-364	139	5	enabled	enable	VERB
gujaf-364	139	6	solar	solar	ADJ
gujaf-364	139	7	loans	loan	NOUN
gujaf-364	139	8	or	or	CCONJ
gujaf-364	139	9	smallscale	smallscale	NOUN
gujaf-364	139	10	energy	energy	NOUN
gujaf-364	139	11	asset	asset	NOUN
gujaf-364	139	12	financing	financing	NOUN
gujaf-364	139	13	,	,	PUNCT
gujaf-364	139	14	households	household	NOUN
gujaf-364	139	15	can	can	AUX
gujaf-364	139	16	gradually	gradually	ADV
gujaf-364	139	17	build	build	VERB
gujaf-364	139	18	credit	credit	NOUN
gujaf-364	139	19	histories	history	NOUN
gujaf-364	139	20	,	,	PUNCT
gujaf-364	139	21	increase	increase	VERB
gujaf-364	139	22	energy	energy	NOUN
gujaf-364	139	23	access	access	NOUN
gujaf-364	139	24	,	,	PUNCT
gujaf-364	139	25	and	and	CCONJ
gujaf-364	139	26	reduce	reduce	VERB
gujaf-364	139	27	vulnerability	vulnerability	NOUN
gujaf-364	139	28	to	to	ADP
gujaf-364	139	29	power	power	NOUN
gujaf-364	139	30	outages	outage	NOUN
gujaf-364	139	31	.	.	PUNCT
gujaf-364	140	1	this	this	DET
gujaf-364	140	2	integration	integration	NOUN
gujaf-364	140	3	of	of	ADP
gujaf-364	140	4	energy	energy	NOUN
gujaf-364	140	5	services	service	NOUN
gujaf-364	140	6	and	and	CCONJ
gujaf-364	140	7	digital	digital	ADJ
gujaf-364	140	8	finance	finance	NOUN
gujaf-364	140	9	constructs	construct	VERB
gujaf-364	140	10	a	a	DET
gujaf-364	140	11	feedback	feedback	NOUN
gujaf-364	140	12	loop	loop	NOUN
gujaf-364	140	13	where	where	SCONJ
gujaf-364	140	14	inclusive	inclusive	ADJ
gujaf-364	140	15	finance	finance	NOUN
gujaf-364	140	16	underpins	underpin	VERB
gujaf-364	140	17	sustainable	sustainable	ADJ
gujaf-364	140	18	development	development	NOUN
gujaf-364	140	19	goals	goal	NOUN
gujaf-364	140	20	and	and	CCONJ
gujaf-364	140	21	reinforces	reinforce	VERB
gujaf-364	140	22	community	community	NOUN
gujaf-364	140	23	-	-	PUNCT
gujaf-364	140	24	level	level	NOUN
gujaf-364	140	25	adaptive	adaptive	ADJ
gujaf-364	140	26	capacities	capacity	NOUN
gujaf-364	140	27	.	.	PUNCT
gujaf-364	141	1	hypotheses	hypothesis	NOUN
gujaf-364	141	2	development	development	NOUN
gujaf-364	141	3	hypothesis	hypothesis	NOUN
gujaf-364	141	4	1	1	NUM
gujaf-364	141	5	(	(	PUNCT
gujaf-364	141	6	h1	h1	PROPN
gujaf-364	141	7	):	):	PUNCT
gujaf-364	141	8	higher	high	ADJ
gujaf-364	141	9	fintech	fintech	NOUN
gujaf-364	141	10	penetration	penetration	NOUN
gujaf-364	141	11	significantly	significantly	ADV
gujaf-364	141	12	increases	increase	VERB
gujaf-364	141	13	renewable	renewable	ADJ
gujaf-364	141	14	energy	energy	NOUN
gujaf-364	141	15	investment	investment	NOUN
gujaf-364	141	16	.	.	PUNCT
gujaf-364	142	1	fintech	fintech	NOUN
gujaf-364	142	2	penetration	penetration	NOUN
gujaf-364	142	3	can	can	AUX
gujaf-364	142	4	enhance	enhance	VERB
gujaf-364	142	5	renewable	renewable	ADJ
gujaf-364	142	6	energy	energy	NOUN
gujaf-364	142	7	investment	investment	NOUN
gujaf-364	142	8	by	by	ADP
gujaf-364	142	9	lowering	lower	VERB
gujaf-364	142	10	transaction	transaction	NOUN
gujaf-364	142	11	costs	cost	NOUN
gujaf-364	142	12	,	,	PUNCT
gujaf-364	142	13	improving	improve	VERB
gujaf-364	142	14	credit	credit	NOUN
gujaf-364	142	15	access	access	NOUN
gujaf-364	142	16	,	,	PUNCT
gujaf-364	142	17	and	and	CCONJ
gujaf-364	142	18	facilitating	facilitate	VERB
gujaf-364	142	19	capital	capital	NOUN
gujaf-364	142	20	mobilization	mobilization	NOUN
gujaf-364	142	21	.	.	PUNCT
gujaf-364	143	1	empirical	empirical	ADJ
gujaf-364	143	2	research	research	NOUN
gujaf-364	143	3	in	in	ADP
gujaf-364	143	4	both	both	DET
gujaf-364	143	5	oecd	oecd	PROPN
gujaf-364	143	6	and	and	CCONJ
gujaf-364	143	7	developing	develop	VERB
gujaf-364	143	8	countries	country	NOUN
gujaf-364	143	9	suggests	suggest	VERB
gujaf-364	143	10	a	a	DET
gujaf-364	143	11	strong	strong	ADJ
gujaf-364	143	12	positive	positive	ADJ
gujaf-364	143	13	association	association	NOUN
gujaf-364	143	14	between	between	ADP
gujaf-364	143	15	fintech	fintech	NOUN
gujaf-364	143	16	development	development	NOUN
gujaf-364	143	17	and	and	CCONJ
gujaf-364	143	18	renewable	renewable	ADJ
gujaf-364	143	19	energy	energy	NOUN
gujaf-364	143	20	uptake	uptake	NOUN
gujaf-364	143	21	(	(	PUNCT
gujaf-364	143	22	croutzet	croutzet	NOUN
gujaf-364	143	23	&	&	CCONJ
gujaf-364	143	24	dabbous	dabbous	ADJ
gujaf-364	143	25	,	,	PUNCT
gujaf-364	143	26	2023	2023	NUM
gujaf-364	143	27	)	)	PUNCT
gujaf-364	143	28	.	.	PUNCT
gujaf-364	144	1	for	for	ADP
gujaf-364	144	2	example	example	NOUN
gujaf-364	144	3	,	,	PUNCT
gujaf-364	144	4	croutzet	croutzet	NOUN
gujaf-364	144	5	and	and	CCONJ
gujaf-364	144	6	dabbous	dabbous	ADJ
gujaf-364	144	7	(	(	PUNCT
gujaf-364	144	8	2023	2023	NUM
gujaf-364	144	9	)	)	PUNCT
gujaf-364	144	10	find	find	VERB
gujaf-364	144	11	that	that	SCONJ
gujaf-364	144	12	a	a	DET
gujaf-364	144	13	one	one	NUM
gujaf-364	144	14	percentage	percentage	NOUN
gujaf-364	144	15	point	point	NOUN
gujaf-364	144	16	increase	increase	NOUN
gujaf-364	144	17	in	in	ADP
gujaf-364	144	18	fintech	fintech	NOUN
gujaf-364	144	19	proxies	proxy	NOUN
gujaf-364	144	20	corresponded	correspond	VERB
gujaf-364	144	21	with	with	ADP
gujaf-364	144	22	a	a	DET
gujaf-364	144	23	0.21	0.21	NUM
gujaf-364	144	24	%	%	NOUN
gujaf-364	144	25	increase	increase	NOUN
gujaf-364	144	26	in	in	ADP
gujaf-364	144	27	renewable	renewable	ADJ
gujaf-364	144	28	energy	energy	NOUN
gujaf-364	144	29	usage	usage	NOUN
gujaf-364	144	30	(	(	PUNCT
gujaf-364	144	31	p	p	X
gujaf-364	144	32	≈	≈	PROPN
gujaf-364	144	33	0.002	0.002	NUM
gujaf-364	144	34	)	)	PUNCT
gujaf-364	144	35	even	even	ADV
gujaf-364	144	36	in	in	ADP
gujaf-364	144	37	highly	highly	ADV
gujaf-364	144	38	regulated	regulated	ADJ
gujaf-364	144	39	markets	market	NOUN
gujaf-364	144	40	.	.	PUNCT
gujaf-364	145	1	these	these	DET
gujaf-364	145	2	findings	finding	NOUN
gujaf-364	145	3	align	align	VERB
gujaf-364	145	4	with	with	ADP
gujaf-364	145	5	the	the	DET
gujaf-364	145	6	broader	broad	ADJ
gujaf-364	145	7	literature	literature	NOUN
gujaf-364	145	8	showing	show	VERB
gujaf-364	145	9	that	that	SCONJ
gujaf-364	145	10	digital	digital	ADJ
gujaf-364	145	11	finance	finance	NOUN
gujaf-364	145	12	tools	tool	NOUN
gujaf-364	145	13	reduce	reduce	VERB
gujaf-364	145	14	informational	informational	ADJ
gujaf-364	145	15	and	and	CCONJ
gujaf-364	145	16	transactional	transactional	ADJ
gujaf-364	145	17	frictions	friction	NOUN
gujaf-364	145	18	,	,	PUNCT
gujaf-364	145	19	thereby	thereby	ADV
gujaf-364	145	20	unlocking	unlock	VERB
gujaf-364	145	21	capital	capital	NOUN
gujaf-364	145	22	previously	previously	ADV
gujaf-364	145	23	locked	lock	VERB
gujaf-364	145	24	out	out	ADP
gujaf-364	145	25	of	of	ADP
gujaf-364	145	26	green	green	ADJ
gujaf-364	145	27	sectors	sector	NOUN
gujaf-364	145	28	(	(	PUNCT
gujaf-364	145	29	chinn	chinn	PROPN
gujaf-364	145	30	et	et	PROPN
gujaf-364	145	31	al	al	PROPN
gujaf-364	145	32	.	.	PROPN
gujaf-364	145	33	,	,	PUNCT
gujaf-364	145	34	2021	2021	NUM
gujaf-364	145	35	;	;	PUNCT
gujaf-364	145	36	abid	abid	PROPN
gujaf-364	145	37	et	et	PROPN
gujaf-364	145	38	al	al	PROPN
gujaf-364	145	39	.	.	PROPN
gujaf-364	145	40	,	,	PUNCT
gujaf-364	145	41	2024	2024	NUM
gujaf-364	145	42	)	)	PUNCT
gujaf-364	145	43	.	.	PUNCT
gujaf-364	146	1	gusau	gusau	PROPN
gujaf-364	146	2	journal	journal	PROPN
gujaf-364	146	3	of	of	ADP
gujaf-364	146	4	accounting	accounting	NOUN
gujaf-364	146	5	and	and	CCONJ
gujaf-364	146	6	finance	finance	NOUN
gujaf-364	146	7	,	,	PUNCT
gujaf-364	146	8	vol.6	vol.6	PROPN
gujaf-364	146	9	,	,	PUNCT
gujaf-364	146	10	issue	issue	NOUN
gujaf-364	146	11	1	1	NUM
gujaf-364	146	12	,	,	PUNCT
gujaf-364	146	13	april	april	PROPN
gujaf-364	146	14	,	,	PUNCT
gujaf-364	146	15	2025	2025	NUM
gujaf-364	146	16	4	4	NUM
gujaf-364	146	17	further	far	ADV
gujaf-364	146	18	,	,	PUNCT
gujaf-364	146	19	studies	study	NOUN
gujaf-364	146	20	in	in	ADP
gujaf-364	146	21	china	china	PROPN
gujaf-364	146	22	and	and	CCONJ
gujaf-364	146	23	the	the	DET
gujaf-364	146	24	digital	digital	ADJ
gujaf-364	146	25	economy	economy	NOUN
gujaf-364	146	26	context	context	NOUN
gujaf-364	146	27	underscore	underscore	NOUN
gujaf-364	146	28	fintech	fintech	NOUN
gujaf-364	146	29	’s	’s	PART
gujaf-364	146	30	role	role	NOUN
gujaf-364	146	31	in	in	ADP
gujaf-364	146	32	promoting	promote	VERB
gujaf-364	146	33	renewable	renewable	ADJ
gujaf-364	146	34	energy	energy	NOUN
gujaf-364	146	35	consumption	consumption	NOUN
gujaf-364	146	36	.	.	PUNCT
gujaf-364	147	1	yu	yu	PROPN
gujaf-364	147	2	et	et	PROPN
gujaf-364	147	3	al	al	PROPN
gujaf-364	147	4	.	.	PROPN
gujaf-364	148	1	(	(	PUNCT
gujaf-364	148	2	2022	2022	NUM
gujaf-364	148	3	)	)	PUNCT
gujaf-364	148	4	show	show	VERB
gujaf-364	148	5	that	that	SCONJ
gujaf-364	148	6	the	the	DET
gujaf-364	148	7	breadth	breadth	NOUN
gujaf-364	148	8	and	and	CCONJ
gujaf-364	148	9	depth	depth	NOUN
gujaf-364	148	10	of	of	ADP
gujaf-364	148	11	digital	digital	ADJ
gujaf-364	148	12	finance	finance	NOUN
gujaf-364	148	13	in	in	ADP
gujaf-364	148	14	china	china	PROPN
gujaf-364	148	15	led	lead	VERB
gujaf-364	148	16	to	to	ADP
gujaf-364	148	17	significant	significant	ADJ
gujaf-364	148	18	increases	increase	NOUN
gujaf-364	148	19	in	in	ADP
gujaf-364	148	20	renewable	renewable	ADJ
gujaf-364	148	21	energy	energy	NOUN
gujaf-364	148	22	use	use	NOUN
gujaf-364	148	23	,	,	PUNCT
gujaf-364	148	24	primarily	primarily	ADV
gujaf-364	148	25	through	through	ADP
gujaf-364	148	26	expanding	expand	VERB
gujaf-364	148	27	credit	credit	NOUN
gujaf-364	148	28	for	for	ADP
gujaf-364	148	29	green	green	ADJ
gujaf-364	148	30	projects	project	NOUN
gujaf-364	148	31	.	.	PUNCT
gujaf-364	149	1	similarly	similarly	ADV
gujaf-364	149	2	,	,	PUNCT
gujaf-364	149	3	luis	luis	PROPN
gujaf-364	149	4	raimi	raimi	PROPN
gujaf-364	149	5	et	et	PROPN
gujaf-364	149	6	al	al	PROPN
gujaf-364	149	7	.	.	PROPN
gujaf-364	150	1	(	(	PUNCT
gujaf-364	150	2	2023	2023	NUM
gujaf-364	150	3	)	)	PUNCT
gujaf-364	150	4	document	document	NOUN
gujaf-364	150	5	how	how	SCONJ
gujaf-364	150	6	fintechenabled	fintechenable	VERB
gujaf-364	150	7	climate	climate	NOUN
gujaf-364	150	8	financing	financing	NOUN
gujaf-364	150	9	in	in	ADP
gujaf-364	150	10	african	african	ADJ
gujaf-364	150	11	markets	market	NOUN
gujaf-364	150	12	has	have	AUX
gujaf-364	150	13	intensified	intensify	VERB
gujaf-364	150	14	green	green	ADJ
gujaf-364	150	15	investment	investment	NOUN
gujaf-364	150	16	.	.	PUNCT
gujaf-364	151	1	across	across	ADP
gujaf-364	151	2	diverse	diverse	ADJ
gujaf-364	151	3	contexts	contexts	NOUN
gujaf-364	151	4	,	,	PUNCT
gujaf-364	151	5	fintech	fintech	NOUN
gujaf-364	151	6	consistently	consistently	ADV
gujaf-364	151	7	demonstrates	demonstrate	VERB
gujaf-364	151	8	a	a	DET
gujaf-364	151	9	significant	significant	ADJ
gujaf-364	151	10	and	and	CCONJ
gujaf-364	151	11	positive	positive	ADJ
gujaf-364	151	12	impact	impact	NOUN
gujaf-364	151	13	on	on	ADP
gujaf-364	151	14	green	green	ADJ
gujaf-364	151	15	energy	energy	NOUN
gujaf-364	151	16	financing	financing	NOUN
gujaf-364	151	17	,	,	PUNCT
gujaf-364	151	18	justifying	justify	VERB
gujaf-364	151	19	h1	h1	PROPN
gujaf-364	151	20	.	.	PUNCT
gujaf-364	152	1	hypothesis	hypothesis	NOUN
gujaf-364	152	2	2	2	NUM
gujaf-364	152	3	(	(	PUNCT
gujaf-364	152	4	h2	h2	NOUN
gujaf-364	152	5	):	):	PUNCT
gujaf-364	152	6	mobile	mobile	ADJ
gujaf-364	152	7	payment	payment	NOUN
gujaf-364	152	8	systems	system	NOUN
gujaf-364	152	9	,	,	PUNCT
gujaf-364	152	10	digital	digital	ADJ
gujaf-364	152	11	lending	lending	NOUN
gujaf-364	152	12	platforms	platform	NOUN
gujaf-364	152	13	,	,	PUNCT
gujaf-364	152	14	and	and	CCONJ
gujaf-364	152	15	crowdfunding	crowdfunde	VERB
gujaf-364	152	16	each	each	DET
gujaf-364	152	17	contribute	contribute	VERB
gujaf-364	152	18	distinctly	distinctly	ADV
gujaf-364	152	19	to	to	ADP
gujaf-364	152	20	green	green	ADJ
gujaf-364	152	21	investment	investment	NOUN
gujaf-364	152	22	.	.	PUNCT
gujaf-364	153	1	mobile	mobile	ADJ
gujaf-364	153	2	payment	payment	NOUN
gujaf-364	153	3	systems	system	NOUN
gujaf-364	153	4	have	have	AUX
gujaf-364	153	5	proven	prove	VERB
gujaf-364	153	6	effective	effective	ADJ
gujaf-364	153	7	in	in	ADP
gujaf-364	153	8	mobilizing	mobilize	VERB
gujaf-364	153	9	small	small	ADJ
gujaf-364	153	10	-	-	PUNCT
gujaf-364	153	11	scale	scale	NOUN
gujaf-364	153	12	investment	investment	NOUN
gujaf-364	153	13	for	for	ADP
gujaf-364	153	14	renewable	renewable	ADJ
gujaf-364	153	15	projects	project	NOUN
gujaf-364	153	16	,	,	PUNCT
gujaf-364	153	17	especially	especially	ADV
gujaf-364	153	18	in	in	ADP
gujaf-364	153	19	underserved	underserved	ADJ
gujaf-364	153	20	areas	area	NOUN
gujaf-364	153	21	.	.	PUNCT
gujaf-364	154	1	kim	kim	PROPN
gujaf-364	154	2	et	et	PROPN
gujaf-364	154	3	al	al	PROPN
gujaf-364	154	4	.	.	PROPN
gujaf-364	154	5	(	(	PUNCT
gujaf-364	154	6	2021	2021	NUM
gujaf-364	154	7	)	)	PUNCT
gujaf-364	154	8	highlight	highlight	VERB
gujaf-364	154	9	how	how	SCONJ
gujaf-364	154	10	mobile	mobile	ADJ
gujaf-364	154	11	money	money	NOUN
gujaf-364	154	12	services	service	NOUN
gujaf-364	154	13	create	create	VERB
gujaf-364	154	14	accessible	accessible	ADJ
gujaf-364	154	15	,	,	PUNCT
gujaf-364	154	16	low	low	ADJ
gujaf-364	154	17	-	-	PUNCT
gujaf-364	154	18	cost	cost	NOUN
gujaf-364	154	19	payment	payment	NOUN
gujaf-364	154	20	mechanisms	mechanism	NOUN
gujaf-364	154	21	that	that	PRON
gujaf-364	154	22	support	support	VERB
gujaf-364	154	23	distributed	distribute	VERB
gujaf-364	154	24	renewable	renewable	ADJ
gujaf-364	154	25	solutions	solution	NOUN
gujaf-364	154	26	like	like	ADP
gujaf-364	154	27	solar	solar	ADJ
gujaf-364	154	28	home	home	NOUN
gujaf-364	154	29	systems	system	NOUN
gujaf-364	154	30	.	.	PUNCT
gujaf-364	155	1	chukwuma	chukwuma	PROPN
gujaf-364	155	2	and	and	CCONJ
gujaf-364	155	3	mensah	mensah	PROPN
gujaf-364	155	4	(	(	PUNCT
gujaf-364	155	5	2020	2020	NUM
gujaf-364	155	6	)	)	PUNCT
gujaf-364	155	7	further	far	ADV
gujaf-364	155	8	show	show	VERB
gujaf-364	155	9	that	that	SCONJ
gujaf-364	155	10	mobile	mobile	ADJ
gujaf-364	155	11	payments	payment	NOUN
gujaf-364	155	12	increased	increase	VERB
gujaf-364	155	13	off	off	ADP
gujaf-364	155	14	-	-	PUNCT
gujaf-364	155	15	grid	grid	NOUN
gujaf-364	155	16	solar	solar	ADJ
gujaf-364	155	17	financing	financing	NOUN
gujaf-364	155	18	in	in	ADP
gujaf-364	155	19	west	west	PROPN
gujaf-364	155	20	africa	africa	PROPN
gujaf-364	155	21	.	.	PUNCT
gujaf-364	156	1	as	as	ADP
gujaf-364	156	2	for	for	ADP
gujaf-364	156	3	digital	digital	ADJ
gujaf-364	156	4	lending	lending	NOUN
gujaf-364	156	5	,	,	PUNCT
gujaf-364	156	6	evidence	evidence	NOUN
gujaf-364	156	7	from	from	ADP
gujaf-364	156	8	chinese	chinese	ADJ
gujaf-364	156	9	and	and	CCONJ
gujaf-364	156	10	emerging	emerge	VERB
gujaf-364	156	11	economies	economy	NOUN
gujaf-364	156	12	indicates	indicate	VERB
gujaf-364	156	13	that	that	SCONJ
gujaf-364	156	14	credit	credit	NOUN
gujaf-364	156	15	-	-	PUNCT
gujaf-364	156	16	focused	focus	VERB
gujaf-364	156	17	digital	digital	ADJ
gujaf-364	156	18	finance	finance	NOUN
gujaf-364	156	19	substantially	substantially	ADV
gujaf-364	156	20	boosts	boost	VERB
gujaf-364	156	21	green	green	ADJ
gujaf-364	156	22	adoption	adoption	NOUN
gujaf-364	156	23	by	by	ADP
gujaf-364	156	24	scaling	scale	VERB
gujaf-364	156	25	up	up	ADP
gujaf-364	156	26	loans	loan	NOUN
gujaf-364	156	27	to	to	PART
gujaf-364	156	28	clean	clean	VERB
gujaf-364	156	29	energy	energy	NOUN
gujaf-364	156	30	firms	firm	NOUN
gujaf-364	156	31	(	(	PUNCT
gujaf-364	156	32	yu	yu	PROPN
gujaf-364	156	33	et	et	PROPN
gujaf-364	156	34	al	al	PROPN
gujaf-364	156	35	.	.	PROPN
gujaf-364	156	36	,	,	PUNCT
gujaf-364	156	37	2022	2022	NUM
gujaf-364	156	38	)	)	PUNCT
gujaf-364	156	39	.	.	PUNCT
gujaf-364	157	1	crowdfunding	crowdfunding	NOUN
gujaf-364	157	2	plays	play	VERB
gujaf-364	157	3	a	a	DET
gujaf-364	157	4	complementary	complementary	ADJ
gujaf-364	157	5	role	role	NOUN
gujaf-364	157	6	by	by	ADP
gujaf-364	157	7	blending	blend	VERB
gujaf-364	157	8	finance	finance	NOUN
gujaf-364	157	9	and	and	CCONJ
gujaf-364	157	10	community	community	NOUN
gujaf-364	157	11	engagement	engagement	NOUN
gujaf-364	157	12	;	;	PUNCT
gujaf-364	157	13	although	although	SCONJ
gujaf-364	157	14	smaller	small	ADJ
gujaf-364	157	15	in	in	ADP
gujaf-364	157	16	size	size	NOUN
gujaf-364	157	17	,	,	PUNCT
gujaf-364	157	18	it	it	PRON
gujaf-364	157	19	often	often	ADV
gujaf-364	157	20	fosters	foster	VERB
gujaf-364	157	21	early	early	ADJ
gujaf-364	157	22	-	-	PUNCT
gujaf-364	157	23	stage	stage	NOUN
gujaf-364	157	24	green	green	ADJ
gujaf-364	157	25	innovation	innovation	NOUN
gujaf-364	157	26	(	(	PUNCT
gujaf-364	157	27	le	le	X
gujaf-364	157	28	&	&	CCONJ
gujaf-364	157	29	nguyen	nguyen	PROPN
gujaf-364	157	30	,	,	PUNCT
gujaf-364	157	31	2022	2022	NUM
gujaf-364	157	32	;	;	PUNCT
gujaf-364	157	33	raimi	raimi	PROPN
gujaf-364	157	34	et	et	PROPN
gujaf-364	157	35	al	al	PROPN
gujaf-364	157	36	.	.	PROPN
gujaf-364	157	37	,	,	PUNCT
gujaf-364	157	38	2023	2023	NUM
gujaf-364	157	39	)	)	PUNCT
gujaf-364	157	40	.	.	PUNCT
gujaf-364	158	1	these	these	DET
gujaf-364	158	2	fintech	fintech	NOUN
gujaf-364	158	3	channels	channel	NOUN
gujaf-364	158	4	operate	operate	VERB
gujaf-364	158	5	through	through	ADP
gujaf-364	158	6	distinct	distinct	ADJ
gujaf-364	158	7	mechanisms	mechanism	NOUN
gujaf-364	158	8	:	:	PUNCT
gujaf-364	158	9	mobile	mobile	ADJ
gujaf-364	158	10	payments	payment	NOUN
gujaf-364	158	11	enhance	enhance	VERB
gujaf-364	158	12	ease	ease	NOUN
gujaf-364	158	13	of	of	ADP
gujaf-364	158	14	transaction	transaction	NOUN
gujaf-364	158	15	and	and	CCONJ
gujaf-364	158	16	micropayments	micropayment	NOUN
gujaf-364	158	17	;	;	PUNCT
gujaf-364	158	18	digital	digital	ADJ
gujaf-364	158	19	lending	lending	NOUN
gujaf-364	158	20	broadens	broaden	VERB
gujaf-364	158	21	formal	formal	ADJ
gujaf-364	158	22	credit	credit	NOUN
gujaf-364	158	23	access	access	NOUN
gujaf-364	158	24	;	;	PUNCT
gujaf-364	158	25	crowdfunding	crowdfunding	NOUN
gujaf-364	158	26	builds	build	VERB
gujaf-364	158	27	collective	collective	ADJ
gujaf-364	158	28	endorsement	endorsement	NOUN
gujaf-364	158	29	and	and	CCONJ
gujaf-364	158	30	visibility	visibility	NOUN
gujaf-364	158	31	for	for	ADP
gujaf-364	158	32	green	green	ADJ
gujaf-364	158	33	projects	project	NOUN
gujaf-364	158	34	.	.	PUNCT
gujaf-364	159	1	their	their	PRON
gujaf-364	159	2	differentiated	differentiated	ADJ
gujaf-364	159	3	contributions	contribution	NOUN
gujaf-364	159	4	are	be	AUX
gujaf-364	159	5	highlighted	highlight	VERB
gujaf-364	159	6	in	in	ADP
gujaf-364	159	7	empirical	empirical	ADJ
gujaf-364	159	8	studies	study	NOUN
gujaf-364	159	9	:	:	PUNCT
gujaf-364	159	10	mobile	mobile	ADJ
gujaf-364	159	11	money	money	NOUN
gujaf-364	159	12	dominates	dominate	VERB
gujaf-364	159	13	in	in	ADP
gujaf-364	159	14	scale	scale	NOUN
gujaf-364	159	15	and	and	CCONJ
gujaf-364	159	16	reach	reach	NOUN
gujaf-364	159	17	(	(	PUNCT
gujaf-364	159	18	β	β	X
gujaf-364	159	19	≈	≈	PROPN
gujaf-364	159	20	0.312	0.312	NUM
gujaf-364	159	21	)	)	PUNCT
gujaf-364	159	22	,	,	PUNCT
gujaf-364	159	23	digital	digital	ADJ
gujaf-364	159	24	lending	lending	NOUN
gujaf-364	159	25	provides	provide	VERB
gujaf-364	159	26	sustained	sustained	ADJ
gujaf-364	159	27	credit	credit	NOUN
gujaf-364	159	28	(	(	PUNCT
gujaf-364	159	29	β	β	X
gujaf-364	159	30	≈	≈	PROPN
gujaf-364	159	31	0.278	0.278	NUM
gujaf-364	159	32	)	)	PUNCT
gujaf-364	159	33	,	,	PUNCT
gujaf-364	159	34	and	and	CCONJ
gujaf-364	159	35	crowdfunding	crowdfunding	NOUN
gujaf-364	159	36	adds	add	VERB
gujaf-364	159	37	community	community	NOUN
gujaf-364	159	38	legitimacy	legitimacy	NOUN
gujaf-364	159	39	(	(	PUNCT
gujaf-364	159	40	β	β	X
gujaf-364	159	41	≈	≈	PROPN
gujaf-364	159	42	0.183	0.183	NUM
gujaf-364	159	43	)	)	PUNCT
gujaf-364	159	44	.	.	PUNCT
gujaf-364	160	1	these	these	DET
gujaf-364	160	2	findings	finding	NOUN
gujaf-364	160	3	align	align	VERB
gujaf-364	160	4	with	with	ADP
gujaf-364	160	5	ibrahim	ibrahim	PROPN
gujaf-364	160	6	et	et	PROPN
gujaf-364	160	7	al	al	PROPN
gujaf-364	160	8	.	.	PROPN
gujaf-364	161	1	(	(	PUNCT
gujaf-364	161	2	2024	2024	NUM
gujaf-364	161	3	)	)	PUNCT
gujaf-364	161	4	,	,	PUNCT
gujaf-364	161	5	who	who	PRON
gujaf-364	161	6	argue	argue	VERB
gujaf-364	161	7	that	that	SCONJ
gujaf-364	161	8	each	each	DET
gujaf-364	161	9	fintech	fintech	NOUN
gujaf-364	161	10	channel	channel	NOUN
gujaf-364	161	11	supports	support	VERB
gujaf-364	161	12	green	green	ADJ
gujaf-364	161	13	investment	investment	NOUN
gujaf-364	161	14	through	through	ADP
gujaf-364	161	15	unique	unique	ADJ
gujaf-364	161	16	pathways	pathway	NOUN
gujaf-364	161	17	,	,	PUNCT
gujaf-364	161	18	validating	validate	VERB
gujaf-364	161	19	h2	h2	NOUN
gujaf-364	161	20	.	.	PUNCT
gujaf-364	162	1	hypothesis	hypothesis	NOUN
gujaf-364	162	2	3	3	NUM
gujaf-364	162	3	(	(	PUNCT
gujaf-364	162	4	h3	h3	NOUN
gujaf-364	162	5	):	):	PUNCT
gujaf-364	162	6	institutional	institutional	ADJ
gujaf-364	162	7	quality	quality	NOUN
gujaf-364	162	8	and	and	CCONJ
gujaf-364	162	9	financial	financial	ADJ
gujaf-364	162	10	depth	depth	NOUN
gujaf-364	162	11	positively	positively	ADV
gujaf-364	162	12	moderate	moderate	VERB
gujaf-364	162	13	the	the	DET
gujaf-364	162	14	relationship	relationship	NOUN
gujaf-364	162	15	between	between	ADP
gujaf-364	162	16	fintech	fintech	NOUN
gujaf-364	162	17	and	and	CCONJ
gujaf-364	162	18	green	green	ADJ
gujaf-364	162	19	investment	investment	NOUN
gujaf-364	162	20	.	.	PUNCT
gujaf-364	163	1	institutional	institutional	ADJ
gujaf-364	163	2	quality	quality	NOUN
gujaf-364	163	3	plays	play	VERB
gujaf-364	163	4	a	a	DET
gujaf-364	163	5	critical	critical	ADJ
gujaf-364	163	6	role	role	NOUN
gujaf-364	163	7	in	in	ADP
gujaf-364	163	8	amplifying	amplify	VERB
gujaf-364	163	9	fintech	fintech	NOUN
gujaf-364	163	10	’s	’s	PART
gujaf-364	163	11	impact	impact	NOUN
gujaf-364	163	12	on	on	ADP
gujaf-364	163	13	green	green	ADJ
gujaf-364	163	14	investment	investment	NOUN
gujaf-364	163	15	.	.	PUNCT
gujaf-364	164	1	strong	strong	ADJ
gujaf-364	164	2	governance	governance	NOUN
gujaf-364	164	3	,	,	PUNCT
gujaf-364	164	4	rule	rule	NOUN
gujaf-364	164	5	of	of	ADP
gujaf-364	164	6	law	law	NOUN
gujaf-364	164	7	,	,	PUNCT
gujaf-364	164	8	and	and	CCONJ
gujaf-364	164	9	regulatory	regulatory	ADJ
gujaf-364	164	10	clarity	clarity	NOUN
gujaf-364	164	11	boost	boost	VERB
gujaf-364	164	12	investor	investor	NOUN
gujaf-364	164	13	confidence	confidence	NOUN
gujaf-364	164	14	,	,	PUNCT
gujaf-364	164	15	reduce	reduce	VERB
gujaf-364	164	16	fraud	fraud	NOUN
gujaf-364	164	17	risks	risk	NOUN
gujaf-364	164	18	,	,	PUNCT
gujaf-364	164	19	and	and	CCONJ
gujaf-364	164	20	enhance	enhance	VERB
gujaf-364	164	21	fintech	fintech	NOUN
gujaf-364	164	22	credibility	credibility	NOUN
gujaf-364	164	23	(	(	PUNCT
gujaf-364	164	24	kareem	kareem	PROPN
gujaf-364	164	25	et	et	PROPN
gujaf-364	164	26	al	al	PROPN
gujaf-364	164	27	.	.	PROPN
gujaf-364	164	28	,	,	PUNCT
gujaf-364	164	29	2022	2022	NUM
gujaf-364	164	30	;	;	PUNCT
gujaf-364	164	31	asongu	asongu	PROPN
gujaf-364	164	32	&	&	CCONJ
gujaf-364	164	33	nwachukwu	nwachukwu	PROPN
gujaf-364	164	34	,	,	PUNCT
gujaf-364	164	35	2020	2020	NUM
gujaf-364	164	36	)	)	PUNCT
gujaf-364	164	37	.	.	PUNCT
gujaf-364	165	1	similarly	similarly	ADV
gujaf-364	165	2	,	,	PUNCT
gujaf-364	165	3	the	the	DET
gujaf-364	165	4	development	development	NOUN
gujaf-364	165	5	of	of	ADP
gujaf-364	165	6	financial	financial	ADJ
gujaf-364	165	7	markets	market	NOUN
gujaf-364	165	8	captured	capture	VERB
gujaf-364	165	9	by	by	ADP
gujaf-364	165	10	indicators	indicator	NOUN
gujaf-364	165	11	of	of	ADP
gujaf-364	165	12	financial	financial	ADJ
gujaf-364	165	13	depth	depth	NOUN
gujaf-364	165	14	provides	provide	VERB
gujaf-364	165	15	the	the	DET
gujaf-364	165	16	necessary	necessary	ADJ
gujaf-364	165	17	intermediated	intermediate	VERB
gujaf-364	165	18	structure	structure	NOUN
gujaf-364	165	19	through	through	ADP
gujaf-364	165	20	which	which	PRON
gujaf-364	165	21	fintech	fintech	NOUN
gujaf-364	165	22	innovations	innovation	NOUN
gujaf-364	165	23	can	can	AUX
gujaf-364	165	24	scale	scale	VERB
gujaf-364	165	25	(	(	PUNCT
gujaf-364	165	26	abid	abid	PROPN
gujaf-364	165	27	et	et	PROPN
gujaf-364	165	28	al	al	PROPN
gujaf-364	165	29	.	.	PROPN
gujaf-364	165	30	,	,	PUNCT
gujaf-364	165	31	2024	2024	NUM
gujaf-364	165	32	)	)	PUNCT
gujaf-364	165	33	.	.	PUNCT
gujaf-364	166	1	a	a	DET
gujaf-364	166	2	robust	robust	ADJ
gujaf-364	166	3	formal	formal	ADJ
gujaf-364	166	4	finance	finance	NOUN
gujaf-364	166	5	ecosystem	ecosystem	NOUN
gujaf-364	166	6	ensures	ensure	VERB
gujaf-364	166	7	that	that	SCONJ
gujaf-364	166	8	digital	digital	ADJ
gujaf-364	166	9	financial	financial	ADJ
gujaf-364	166	10	instruments	instrument	NOUN
gujaf-364	166	11	are	be	AUX
gujaf-364	166	12	integrated	integrate	VERB
gujaf-364	166	13	into	into	ADP
gujaf-364	166	14	reliable	reliable	ADJ
gujaf-364	166	15	payment	payment	NOUN
gujaf-364	166	16	,	,	PUNCT
gujaf-364	166	17	credit	credit	NOUN
gujaf-364	166	18	,	,	PUNCT
gujaf-364	166	19	and	and	CCONJ
gujaf-364	166	20	capital	capital	NOUN
gujaf-364	166	21	frameworks	framework	NOUN
gujaf-364	166	22	.	.	PUNCT
gujaf-364	167	1	empirical	empirical	ADJ
gujaf-364	167	2	findings	finding	NOUN
gujaf-364	167	3	reinforce	reinforce	VERB
gujaf-364	167	4	this	this	DET
gujaf-364	167	5	moderating	moderate	VERB
gujaf-364	167	6	effect	effect	NOUN
gujaf-364	167	7	:	:	PUNCT
gujaf-364	167	8	the	the	DET
gujaf-364	167	9	coefficients	coefficient	NOUN
gujaf-364	167	10	for	for	ADP
gujaf-364	167	11	institutional	institutional	ADJ
gujaf-364	167	12	quality	quality	NOUN
gujaf-364	167	13	and	and	CCONJ
gujaf-364	167	14	financial	financial	ADJ
gujaf-364	167	15	depth	depth	NOUN
gujaf-364	167	16	indicate	indicate	VERB
gujaf-364	167	17	that	that	SCONJ
gujaf-364	167	18	fintech	fintech	NOUN
gujaf-364	167	19	penetration	penetration	NOUN
gujaf-364	167	20	yields	yield	VERB
gujaf-364	167	21	stronger	strong	ADJ
gujaf-364	167	22	green	green	ADJ
gujaf-364	167	23	investment	investment	NOUN
gujaf-364	167	24	outcomes	outcome	NOUN
gujaf-364	167	25	in	in	ADP
gujaf-364	167	26	mature	mature	ADJ
gujaf-364	167	27	institutional	institutional	ADJ
gujaf-364	167	28	and	and	CCONJ
gujaf-364	167	29	financial	financial	ADJ
gujaf-364	167	30	contexts	context	NOUN
gujaf-364	167	31	(	(	PUNCT
gujaf-364	167	32	le	le	X
gujaf-364	167	33	&	&	CCONJ
gujaf-364	167	34	nguyen	nguyen	PROPN
gujaf-364	167	35	,	,	PUNCT
gujaf-364	167	36	2022	2022	NUM
gujaf-364	167	37	;	;	PUNCT
gujaf-364	167	38	raimi	raimi	PROPN
gujaf-364	167	39	et	et	PROPN
gujaf-364	167	40	al	al	PROPN
gujaf-364	167	41	.	.	PROPN
gujaf-364	167	42	,	,	PUNCT
gujaf-364	167	43	2023	2023	NUM
gujaf-364	167	44	)	)	PUNCT
gujaf-364	167	45	.	.	PUNCT
gujaf-364	168	1	metawa	metawa	PROPN
gujaf-364	168	2	et	et	PROPN
gujaf-364	168	3	al	al	PROPN
gujaf-364	168	4	.	.	PROPN
gujaf-364	169	1	(	(	PUNCT
gujaf-364	169	2	2024	2024	NUM
gujaf-364	169	3	)	)	PUNCT
gujaf-364	169	4	further	far	ADV
gujaf-364	169	5	emphasize	emphasize	VERB
gujaf-364	169	6	that	that	PRON
gujaf-364	169	7	fintech	fintech	NOUN
gujaf-364	169	8	’s	’s	PART
gujaf-364	169	9	environmental	environmental	ADJ
gujaf-364	169	10	benefits	benefit	NOUN
gujaf-364	169	11	become	become	VERB
gujaf-364	169	12	more	more	ADV
gujaf-364	169	13	pronounced	pronounce	VERB
gujaf-364	169	14	under	under	ADP
gujaf-364	169	15	sound	sound	ADJ
gujaf-364	169	16	regulatory	regulatory	ADJ
gujaf-364	169	17	oversight	oversight	NOUN
gujaf-364	169	18	.	.	PUNCT
gujaf-364	170	1	therefore	therefore	ADV
gujaf-364	170	2	,	,	PUNCT
gujaf-364	170	3	h3	h3	NOUN
gujaf-364	170	4	is	be	AUX
gujaf-364	170	5	supported	support	VERB
gujaf-364	170	6	,	,	PUNCT
gujaf-364	170	7	suggesting	suggest	VERB
gujaf-364	170	8	that	that	SCONJ
gujaf-364	170	9	fintech	fintech	NOUN
gujaf-364	170	10	initiatives	initiative	NOUN
gujaf-364	170	11	gusau	gusau	PROPN
gujaf-364	170	12	journal	journal	PROPN
gujaf-364	170	13	of	of	ADP
gujaf-364	170	14	accounting	accounting	NOUN
gujaf-364	170	15	and	and	CCONJ
gujaf-364	170	16	finance	finance	NOUN
gujaf-364	170	17	,	,	PUNCT
gujaf-364	170	18	vol.6	vol.6	PROPN
gujaf-364	170	19	,	,	PUNCT
gujaf-364	170	20	issue	issue	NOUN
gujaf-364	170	21	1	1	NUM
gujaf-364	170	22	,	,	PUNCT
gujaf-364	170	23	april	april	PROPN
gujaf-364	170	24	,	,	PUNCT
gujaf-364	170	25	2025	2025	NUM
gujaf-364	170	26	5	5	NUM
gujaf-364	170	27	must	must	AUX
gujaf-364	170	28	be	be	AUX
gujaf-364	170	29	accompanied	accompany	VERB
gujaf-364	170	30	by	by	ADP
gujaf-364	170	31	complementary	complementary	ADJ
gujaf-364	170	32	improvements	improvement	NOUN
gujaf-364	170	33	in	in	ADP
gujaf-364	170	34	governance	governance	NOUN
gujaf-364	170	35	and	and	CCONJ
gujaf-364	170	36	institutional	institutional	ADJ
gujaf-364	170	37	infrastructure	infrastructure	NOUN
gujaf-364	170	38	.	.	PUNCT
gujaf-364	171	1	hypothesis	hypothesis	NOUN
gujaf-364	171	2	4	4	NUM
gujaf-364	171	3	(	(	PUNCT
gujaf-364	171	4	h4	h4	NOUN
gujaf-364	171	5	):	):	PUNCT
gujaf-364	171	6	macroeconomic	macroeconomic	ADJ
gujaf-364	171	7	stability	stability	NOUN
gujaf-364	171	8	(	(	PUNCT
gujaf-364	171	9	proxied	proxie	VERB
gujaf-364	171	10	by	by	ADP
gujaf-364	171	11	gdp	gdp	NOUN
gujaf-364	171	12	per	per	ADP
gujaf-364	171	13	capita	capita	NOUN
gujaf-364	171	14	and	and	CCONJ
gujaf-364	171	15	electricity	electricity	NOUN
gujaf-364	171	16	access	access	NOUN
gujaf-364	171	17	)	)	PUNCT
gujaf-364	171	18	positively	positively	ADV
gujaf-364	171	19	influences	influence	VERB
gujaf-364	171	20	renewable	renewable	ADJ
gujaf-364	171	21	energy	energy	NOUN
gujaf-364	171	22	investment	investment	NOUN
gujaf-364	171	23	.	.	PUNCT
gujaf-364	172	1	a	a	DET
gujaf-364	172	2	stable	stable	ADJ
gujaf-364	172	3	macroeconomic	macroeconomic	ADJ
gujaf-364	172	4	environment	environment	NOUN
gujaf-364	172	5	provides	provide	VERB
gujaf-364	172	6	fertile	fertile	ADJ
gujaf-364	172	7	ground	ground	NOUN
gujaf-364	172	8	for	for	ADP
gujaf-364	172	9	fintech	fintech	NOUN
gujaf-364	172	10	-	-	PUNCT
gujaf-364	172	11	driven	drive	VERB
gujaf-364	172	12	green	green	ADJ
gujaf-364	172	13	investment	investment	NOUN
gujaf-364	172	14	.	.	PUNCT
gujaf-364	173	1	higher	high	ADJ
gujaf-364	173	2	gdp	gdp	NOUN
gujaf-364	173	3	per	per	ADP
gujaf-364	173	4	capita	capita	X
gujaf-364	173	5	signals	signal	NOUN
gujaf-364	173	6	stronger	strong	ADJ
gujaf-364	173	7	aggregate	aggregate	ADJ
gujaf-364	173	8	demand	demand	NOUN
gujaf-364	173	9	,	,	PUNCT
gujaf-364	173	10	purchasing	purchase	VERB
gujaf-364	173	11	power	power	NOUN
gujaf-364	173	12	,	,	PUNCT
gujaf-364	173	13	and	and	CCONJ
gujaf-364	173	14	ability	ability	NOUN
gujaf-364	173	15	to	to	PART
gujaf-364	173	16	finance	finance	VERB
gujaf-364	173	17	clean	clean	ADJ
gujaf-364	173	18	energy	energy	NOUN
gujaf-364	173	19	,	,	PUNCT
gujaf-364	173	20	reinforcing	reinforce	VERB
gujaf-364	173	21	wealth	wealth	NOUN
gujaf-364	173	22	accumulation	accumulation	NOUN
gujaf-364	173	23	and	and	CCONJ
gujaf-364	173	24	investment	investment	NOUN
gujaf-364	173	25	cycles	cycle	NOUN
gujaf-364	173	26	(	(	PUNCT
gujaf-364	173	27	teklie	teklie	PROPN
gujaf-364	173	28	&	&	CCONJ
gujaf-364	173	29	yağmur	yağmur	ADJ
gujaf-364	173	30	,	,	PUNCT
gujaf-364	173	31	2024	2024	NUM
gujaf-364	173	32	;	;	PUNCT
gujaf-364	173	33	chinn	chinn	PROPN
gujaf-364	173	34	et	et	PROPN
gujaf-364	173	35	al	al	PROPN
gujaf-364	173	36	.	.	PROPN
gujaf-364	173	37	,	,	PUNCT
gujaf-364	173	38	2021	2021	NUM
gujaf-364	173	39	)	)	PUNCT
gujaf-364	173	40	.	.	PUNCT
gujaf-364	174	1	reliable	reliable	ADJ
gujaf-364	174	2	electricity	electricity	NOUN
gujaf-364	174	3	access	access	NOUN
gujaf-364	174	4	enhances	enhance	VERB
gujaf-364	174	5	project	project	NOUN
gujaf-364	174	6	feasibility	feasibility	NOUN
gujaf-364	174	7	,	,	PUNCT
gujaf-364	174	8	reduces	reduce	VERB
gujaf-364	174	9	risk	risk	NOUN
gujaf-364	174	10	,	,	PUNCT
gujaf-364	174	11	and	and	CCONJ
gujaf-364	174	12	stimulates	stimulate	VERB
gujaf-364	174	13	demand	demand	NOUN
gujaf-364	174	14	for	for	ADP
gujaf-364	174	15	renewable	renewable	ADJ
gujaf-364	174	16	generation	generation	NOUN
gujaf-364	174	17	(	(	PUNCT
gujaf-364	174	18	teklie	teklie	PROPN
gujaf-364	174	19	&	&	CCONJ
gujaf-364	174	20	yağmur	yağmur	ADJ
gujaf-364	174	21	,	,	PUNCT
gujaf-364	174	22	2024	2024	NUM
gujaf-364	174	23	;	;	PUNCT
gujaf-364	175	1	raimi	raimi	PROPN
gujaf-364	175	2	et	et	PROPN
gujaf-364	175	3	al	al	PROPN
gujaf-364	175	4	.	.	PROPN
gujaf-364	175	5	,	,	PUNCT
gujaf-364	175	6	2023	2023	NUM
gujaf-364	175	7	)	)	PUNCT
gujaf-364	175	8	.	.	PUNCT
gujaf-364	176	1	together	together	ADV
gujaf-364	176	2	,	,	PUNCT
gujaf-364	176	3	these	these	DET
gujaf-364	176	4	factors	factor	NOUN
gujaf-364	176	5	underpin	underpin	VERB
gujaf-364	176	6	the	the	DET
gujaf-364	176	7	structural	structural	ADJ
gujaf-364	176	8	conditions	condition	NOUN
gujaf-364	176	9	necessary	necessary	ADJ
gujaf-364	176	10	for	for	SCONJ
gujaf-364	176	11	fintech	fintech	NOUN
gujaf-364	176	12	innovation	innovation	NOUN
gujaf-364	176	13	to	to	PART
gujaf-364	176	14	translate	translate	VERB
gujaf-364	176	15	into	into	ADP
gujaf-364	176	16	meaningful	meaningful	ADJ
gujaf-364	176	17	green	green	ADJ
gujaf-364	176	18	energy	energy	NOUN
gujaf-364	176	19	deployment	deployment	NOUN
gujaf-364	176	20	.	.	PUNCT
gujaf-364	177	1	empirical	empirical	ADJ
gujaf-364	177	2	results	result	NOUN
gujaf-364	177	3	mirror	mirror	VERB
gujaf-364	177	4	this	this	DET
gujaf-364	177	5	dynamic	dynamic	ADJ
gujaf-364	177	6	gdp	gdp	NOUN
gujaf-364	177	7	per	per	ADP
gujaf-364	177	8	capita	capita	NOUN
gujaf-364	177	9	and	and	CCONJ
gujaf-364	177	10	electricity	electricity	NOUN
gujaf-364	177	11	access	access	NOUN
gujaf-364	177	12	both	both	PRON
gujaf-364	177	13	show	show	VERB
gujaf-364	177	14	strong	strong	ADJ
gujaf-364	177	15	positive	positive	ADJ
gujaf-364	177	16	associations	association	NOUN
gujaf-364	177	17	with	with	ADP
gujaf-364	177	18	renewable	renewable	ADJ
gujaf-364	177	19	energy	energy	NOUN
gujaf-364	177	20	investment	investment	NOUN
gujaf-364	177	21	.	.	PUNCT
gujaf-364	178	1	these	these	DET
gujaf-364	178	2	findings	finding	NOUN
gujaf-364	178	3	are	be	AUX
gujaf-364	178	4	consistent	consistent	ADJ
gujaf-364	178	5	with	with	ADP
gujaf-364	178	6	regional	regional	ADJ
gujaf-364	178	7	studies	study	NOUN
gujaf-364	178	8	in	in	ADP
gujaf-364	178	9	africa	africa	PROPN
gujaf-364	178	10	and	and	CCONJ
gujaf-364	178	11	southeast	southeast	PROPN
gujaf-364	178	12	asia	asia	PROPN
gujaf-364	178	13	(	(	PUNCT
gujaf-364	178	14	teklie	teklie	PROPN
gujaf-364	178	15	&	&	CCONJ
gujaf-364	178	16	yağmur	yağmur	ADJ
gujaf-364	178	17	,	,	PUNCT
gujaf-364	178	18	2024	2024	NUM
gujaf-364	178	19	;	;	PUNCT
gujaf-364	178	20	le	le	PROPN
gujaf-364	178	21	&	&	CCONJ
gujaf-364	178	22	nguyen	nguyen	PROPN
gujaf-364	178	23	,	,	PUNCT
gujaf-364	178	24	2022	2022	NUM
gujaf-364	178	25	)	)	PUNCT
gujaf-364	178	26	and	and	CCONJ
gujaf-364	178	27	global	global	ADJ
gujaf-364	178	28	trend	trend	NOUN
gujaf-364	178	29	analyses	analysis	NOUN
gujaf-364	178	30	such	such	ADJ
gujaf-364	178	31	as	as	ADP
gujaf-364	178	32	by	by	ADP
gujaf-364	178	33	ft	ft	NOUN
gujaf-364	178	34	and	and	CCONJ
gujaf-364	178	35	irena	irena	NOUN
gujaf-364	178	36	,	,	PUNCT
gujaf-364	178	37	which	which	PRON
gujaf-364	178	38	point	point	VERB
gujaf-364	178	39	to	to	ADP
gujaf-364	178	40	macroeconomic	macroeconomic	ADJ
gujaf-364	178	41	readiness	readiness	NOUN
gujaf-364	178	42	as	as	ADP
gujaf-364	178	43	a	a	DET
gujaf-364	178	44	key	key	ADJ
gujaf-364	178	45	enabler	enabler	NOUN
gujaf-364	178	46	of	of	ADP
gujaf-364	178	47	green	green	ADJ
gujaf-364	178	48	energy	energy	NOUN
gujaf-364	178	49	uptake	uptake	NOUN
gujaf-364	178	50	.	.	PUNCT
gujaf-364	179	1	consequently	consequently	ADV
gujaf-364	179	2	,	,	PUNCT
gujaf-364	179	3	h4	h4	PROPN
gujaf-364	179	4	is	be	AUX
gujaf-364	179	5	corroborated	corroborate	VERB
gujaf-364	179	6	.	.	PUNCT
gujaf-364	180	1	hypothesis	hypothesis	NOUN
gujaf-364	180	2	5	5	NUM
gujaf-364	180	3	(	(	PUNCT
gujaf-364	180	4	h5	h5	NOUN
gujaf-364	180	5	):	):	PUNCT
gujaf-364	180	6	inflation	inflation	NOUN
gujaf-364	180	7	negatively	negatively	ADV
gujaf-364	180	8	affects	affect	VERB
gujaf-364	180	9	renewable	renewable	ADJ
gujaf-364	180	10	energy	energy	NOUN
gujaf-364	180	11	investment	investment	NOUN
gujaf-364	180	12	by	by	ADP
gujaf-364	180	13	raising	raise	VERB
gujaf-364	180	14	financing	financing	NOUN
gujaf-364	180	15	costs	cost	NOUN
gujaf-364	180	16	.	.	PUNCT
gujaf-364	181	1	inflation	inflation	NOUN
gujaf-364	181	2	erodes	erode	VERB
gujaf-364	181	3	the	the	DET
gujaf-364	181	4	real	real	ADJ
gujaf-364	181	5	value	value	NOUN
gujaf-364	181	6	of	of	ADP
gujaf-364	181	7	investments	investment	NOUN
gujaf-364	181	8	,	,	PUNCT
gujaf-364	181	9	increases	increase	VERB
gujaf-364	181	10	cost	cost	NOUN
gujaf-364	181	11	uncertainty	uncertainty	NOUN
gujaf-364	181	12	,	,	PUNCT
gujaf-364	181	13	and	and	CCONJ
gujaf-364	181	14	elevates	elevate	VERB
gujaf-364	181	15	discount	discount	NOUN
gujaf-364	181	16	rates	rate	NOUN
gujaf-364	181	17	all	all	PRON
gujaf-364	181	18	of	of	ADP
gujaf-364	181	19	which	which	PRON
gujaf-364	181	20	are	be	AUX
gujaf-364	181	21	particularly	particularly	ADV
gujaf-364	181	22	detrimental	detrimental	ADJ
gujaf-364	181	23	to	to	ADP
gujaf-364	181	24	capital	capital	NOUN
gujaf-364	181	25	-	-	PUNCT
gujaf-364	181	26	intensive	intensive	ADJ
gujaf-364	181	27	renewable	renewable	ADJ
gujaf-364	181	28	energy	energy	NOUN
gujaf-364	181	29	projects	project	NOUN
gujaf-364	181	30	with	with	ADP
gujaf-364	181	31	long	long	ADJ
gujaf-364	181	32	payback	payback	NOUN
gujaf-364	181	33	periods	period	NOUN
gujaf-364	181	34	(	(	PUNCT
gujaf-364	181	35	sarkodie	sarkodie	PROPN
gujaf-364	181	36	&	&	CCONJ
gujaf-364	181	37	owusu	owusu	PROPN
gujaf-364	181	38	,	,	PUNCT
gujaf-364	181	39	2021	2021	NUM
gujaf-364	181	40	;	;	PUNCT
gujaf-364	181	41	faruq	faruq	PROPN
gujaf-364	181	42	&	&	CCONJ
gujaf-364	181	43	chowdhury	chowdhury	PROPN
gujaf-364	181	44	,	,	PUNCT
gujaf-364	181	45	2025	2025	NUM
gujaf-364	181	46	)	)	PUNCT
gujaf-364	181	47	.	.	PUNCT
gujaf-364	182	1	high	high	ADJ
gujaf-364	182	2	inflation	inflation	NOUN
gujaf-364	182	3	is	be	AUX
gujaf-364	182	4	also	also	ADV
gujaf-364	182	5	likely	likely	ADJ
gujaf-364	182	6	to	to	PART
gujaf-364	182	7	disrupt	disrupt	VERB
gujaf-364	182	8	fintech	fintech	NOUN
gujaf-364	182	9	platforms	platform	NOUN
gujaf-364	182	10	by	by	ADP
gujaf-364	182	11	reducing	reduce	VERB
gujaf-364	182	12	consumer	consumer	NOUN
gujaf-364	182	13	purchasing	purchasing	NOUN
gujaf-364	182	14	power	power	NOUN
gujaf-364	182	15	,	,	PUNCT
gujaf-364	182	16	increasing	increase	VERB
gujaf-364	182	17	loan	loan	NOUN
gujaf-364	182	18	defaults	default	NOUN
gujaf-364	182	19	,	,	PUNCT
gujaf-364	182	20	and	and	CCONJ
gujaf-364	182	21	complicating	complicate	VERB
gujaf-364	182	22	credit	credit	NOUN
gujaf-364	182	23	risk	risk	NOUN
gujaf-364	182	24	assessments	assessment	NOUN
gujaf-364	182	25	(	(	PUNCT
gujaf-364	182	26	faruq	faruq	PROPN
gujaf-364	182	27	&	&	CCONJ
gujaf-364	182	28	chowdhury	chowdhury	PROPN
gujaf-364	182	29	,	,	PUNCT
gujaf-364	182	30	2025	2025	NUM
gujaf-364	182	31	)	)	PUNCT
gujaf-364	182	32	.	.	PUNCT
gujaf-364	183	1	these	these	DET
gujaf-364	183	2	macroeconomic	macroeconomic	ADJ
gujaf-364	183	3	destabilizing	destabilizing	ADJ
gujaf-364	183	4	effects	effect	NOUN
gujaf-364	183	5	are	be	AUX
gujaf-364	183	6	expected	expect	VERB
gujaf-364	183	7	to	to	PART
gujaf-364	183	8	constrain	constrain	VERB
gujaf-364	183	9	green	green	ADJ
gujaf-364	183	10	finance	finance	NOUN
gujaf-364	183	11	flows	flow	NOUN
gujaf-364	183	12	and	and	CCONJ
gujaf-364	183	13	deter	deter	VERB
gujaf-364	183	14	investment	investment	NOUN
gujaf-364	183	15	.	.	PUNCT
gujaf-364	184	1	a	a	DET
gujaf-364	184	2	statistically	statistically	ADV
gujaf-364	184	3	significant	significant	ADJ
gujaf-364	184	4	negative	negative	ADJ
gujaf-364	184	5	coefficient	coefficient	NOUN
gujaf-364	184	6	confirms	confirm	VERB
gujaf-364	184	7	that	that	SCONJ
gujaf-364	184	8	inflation	inflation	NOUN
gujaf-364	184	9	hampers	hamper	VERB
gujaf-364	184	10	renewable	renewable	ADJ
gujaf-364	184	11	energy	energy	NOUN
gujaf-364	184	12	investment	investment	NOUN
gujaf-364	184	13	.	.	PUNCT
gujaf-364	185	1	this	this	PRON
gujaf-364	185	2	aligns	align	VERB
gujaf-364	185	3	with	with	ADP
gujaf-364	185	4	global	global	ADJ
gujaf-364	185	5	studies	study	NOUN
gujaf-364	185	6	highlighting	highlight	VERB
gujaf-364	185	7	the	the	DET
gujaf-364	185	8	adverse	adverse	ADJ
gujaf-364	185	9	effect	effect	NOUN
gujaf-364	185	10	of	of	ADP
gujaf-364	185	11	inflationary	inflationary	ADJ
gujaf-364	185	12	pressures	pressure	NOUN
gujaf-364	185	13	on	on	ADP
gujaf-364	185	14	esg	esg	PROPN
gujaf-364	185	15	financing	financing	NOUN
gujaf-364	185	16	(	(	PUNCT
gujaf-364	185	17	faruq	faruq	PROPN
gujaf-364	185	18	&	&	CCONJ
gujaf-364	185	19	chowdhury	chowdhury	PROPN
gujaf-364	185	20	,	,	PUNCT
gujaf-364	185	21	2025	2025	NUM
gujaf-364	185	22	)	)	PUNCT
gujaf-364	185	23	and	and	CCONJ
gujaf-364	185	24	investment	investment	NOUN
gujaf-364	185	25	cost	cost	NOUN
gujaf-364	185	26	burdens	burden	NOUN
gujaf-364	185	27	(	(	PUNCT
gujaf-364	185	28	sarkodie	sarkodie	PROPN
gujaf-364	185	29	&	&	CCONJ
gujaf-364	185	30	owusu	owusu	PROPN
gujaf-364	185	31	,	,	PUNCT
gujaf-364	185	32	2021	2021	NUM
gujaf-364	185	33	)	)	PUNCT
gujaf-364	185	34	.	.	PUNCT
gujaf-364	186	1	therefore	therefore	ADV
gujaf-364	186	2	,	,	PUNCT
gujaf-364	186	3	h5	h5	PROPN
gujaf-364	186	4	holds	hold	VERB
gujaf-364	186	5	,	,	PUNCT
gujaf-364	186	6	reinforcing	reinforce	VERB
gujaf-364	186	7	the	the	DET
gujaf-364	186	8	need	need	NOUN
gujaf-364	186	9	for	for	ADP
gujaf-364	186	10	macroeconomic	macroeconomic	ADJ
gujaf-364	186	11	stability	stability	NOUN
gujaf-364	186	12	to	to	PART
gujaf-364	186	13	sustain	sustain	VERB
gujaf-364	186	14	fintech	fintech	NOUN
gujaf-364	186	15	-	-	PUNCT
gujaf-364	186	16	enabled	enable	VERB
gujaf-364	186	17	green	green	ADJ
gujaf-364	186	18	transitions	transition	NOUN
gujaf-364	186	19	.	.	PUNCT
gujaf-364	187	1	3	3	X
gujaf-364	187	2	.	.	X
gujaf-364	187	3	methodology	methodology	NOUN
gujaf-364	187	4	this	this	DET
gujaf-364	187	5	study	study	NOUN
gujaf-364	187	6	uses	use	VERB
gujaf-364	187	7	a	a	DET
gujaf-364	187	8	balanced	balanced	ADJ
gujaf-364	187	9	annual	annual	ADJ
gujaf-364	187	10	panel	panel	NOUN
gujaf-364	187	11	dataset	dataset	VERB
gujaf-364	187	12	of	of	ADP
gujaf-364	187	13	60	60	NUM
gujaf-364	187	14	developing	develop	VERB
gujaf-364	187	15	countries	country	NOUN
gujaf-364	187	16	from	from	ADP
gujaf-364	187	17	2010	2010	NUM
gujaf-364	187	18	to	to	ADP
gujaf-364	187	19	2023	2023	NUM
gujaf-364	187	20	,	,	PUNCT
gujaf-364	187	21	selected	select	VERB
gujaf-364	187	22	based	base	VERB
gujaf-364	187	23	on	on	ADP
gujaf-364	187	24	data	datum	NOUN
gujaf-364	187	25	availability	availability	NOUN
gujaf-364	187	26	from	from	ADP
gujaf-364	187	27	credible	credible	ADJ
gujaf-364	187	28	international	international	ADJ
gujaf-364	187	29	databases	database	NOUN
gujaf-364	187	30	.	.	PUNCT
gujaf-364	188	1	the	the	DET
gujaf-364	188	2	sample	sample	NOUN
gujaf-364	188	3	spans	span	VERB
gujaf-364	188	4	economies	economy	NOUN
gujaf-364	188	5	in	in	ADP
gujaf-364	188	6	sub	sub	ADJ
gujaf-364	188	7	-	-	ADJ
gujaf-364	188	8	saharan	saharan	ADJ
gujaf-364	188	9	africa	africa	PROPN
gujaf-364	188	10	,	,	PUNCT
gujaf-364	188	11	south	south	PROPN
gujaf-364	188	12	asia	asia	PROPN
gujaf-364	188	13	,	,	PUNCT
gujaf-364	188	14	southeast	southeast	PROPN
gujaf-364	188	15	asia	asia	PROPN
gujaf-364	188	16	,	,	PUNCT
gujaf-364	188	17	latin	latin	PROPN
gujaf-364	188	18	america	america	PROPN
gujaf-364	188	19	,	,	PUNCT
gujaf-364	188	20	and	and	CCONJ
gujaf-364	188	21	the	the	DET
gujaf-364	188	22	mena	mena	PROPN
gujaf-364	188	23	region	region	PROPN
gujaf-364	188	24	.	.	PUNCT
gujaf-364	189	1	the	the	DET
gujaf-364	189	2	primary	primary	ADJ
gujaf-364	189	3	dependent	dependent	ADJ
gujaf-364	189	4	variable	variable	NOUN
gujaf-364	189	5	is	be	AUX
gujaf-364	189	6	renewable	renewable	ADJ
gujaf-364	189	7	energy	energy	NOUN
gujaf-364	189	8	investment	investment	NOUN
gujaf-364	189	9	(	(	PUNCT
gujaf-364	189	10	reinv	reinv	ADJ
gujaf-364	189	11	)	)	PUNCT
gujaf-364	189	12	,	,	PUNCT
gujaf-364	189	13	measured	measure	VERB
gujaf-364	189	14	as	as	ADP
gujaf-364	189	15	annual	annual	ADJ
gujaf-364	189	16	investment	investment	NOUN
gujaf-364	189	17	in	in	ADP
gujaf-364	189	18	renewable	renewable	ADJ
gujaf-364	189	19	energy	energy	NOUN
gujaf-364	189	20	(	(	PUNCT
gujaf-364	189	21	usd	usd	NOUN
gujaf-364	189	22	millions	million	NOUN
gujaf-364	189	23	)	)	PUNCT
gujaf-364	189	24	sourced	source	VERB
gujaf-364	189	25	from	from	ADP
gujaf-364	189	26	the	the	DET
gujaf-364	189	27	world	world	PROPN
gujaf-364	189	28	bank	bank	PROPN
gujaf-364	189	29	’s	’s	PART
gujaf-364	189	30	global	global	ADJ
gujaf-364	189	31	electrification	electrification	NOUN
gujaf-364	189	32	database	database	NOUN
gujaf-364	189	33	and	and	CCONJ
gujaf-364	189	34	ren21	ren21	PROPN
gujaf-364	189	35	data	datum	NOUN
gujaf-364	189	36	.	.	PUNCT
gujaf-364	190	1	the	the	DET
gujaf-364	190	2	main	main	ADJ
gujaf-364	190	3	explanatory	explanatory	ADJ
gujaf-364	190	4	variable	variable	NOUN
gujaf-364	190	5	is	be	AUX
gujaf-364	190	6	the	the	DET
gujaf-364	190	7	fintech	fintech	NOUN
gujaf-364	190	8	penetration	penetration	NOUN
gujaf-364	190	9	index	index	NOUN
gujaf-364	190	10	(	(	PUNCT
gujaf-364	190	11	fpi	fpi	PROPN
gujaf-364	190	12	)	)	PUNCT
gujaf-364	190	13	,	,	PUNCT
gujaf-364	190	14	constructed	construct	VERB
gujaf-364	190	15	from	from	ADP
gujaf-364	190	16	three	three	NUM
gujaf-364	190	17	sub	sub	NOUN
gujaf-364	190	18	-	-	NOUN
gujaf-364	190	19	indices	index	NOUN
gujaf-364	190	20	,	,	PUNCT
gujaf-364	190	21	including	include	VERB
gujaf-364	190	22	mobile	mobile	ADJ
gujaf-364	190	23	payment	payment	NOUN
gujaf-364	190	24	transactions	transaction	NOUN
gujaf-364	190	25	per	per	ADP
gujaf-364	190	26	capita	capita	NOUN
gujaf-364	190	27	,	,	PUNCT
gujaf-364	190	28	digital	digital	ADJ
gujaf-364	190	29	lending	lending	NOUN
gujaf-364	190	30	volume	volume	NOUN
gujaf-364	190	31	per	per	ADP
gujaf-364	190	32	capita	capita	NOUN
gujaf-364	190	33	,	,	PUNCT
gujaf-364	190	34	and	and	CCONJ
gujaf-364	190	35	digital	digital	ADJ
gujaf-364	190	36	crowdfunding	crowdfunding	NOUN
gujaf-364	190	37	volume	volume	NOUN
gujaf-364	190	38	per	per	ADP
gujaf-364	190	39	capita	capita	NOUN
gujaf-364	190	40	,	,	PUNCT
gujaf-364	190	41	compiled	compile	VERB
gujaf-364	190	42	from	from	ADP
gujaf-364	190	43	imf	imf	PROPN
gujaf-364	190	44	financial	financial	ADJ
gujaf-364	190	45	access	access	NOUN
gujaf-364	190	46	surveys	survey	NOUN
gujaf-364	190	47	,	,	PUNCT
gujaf-364	190	48	cgap	cgap	NOUN
gujaf-364	190	49	,	,	PUNCT
gujaf-364	190	50	and	and	CCONJ
gujaf-364	190	51	national	national	ADJ
gujaf-364	190	52	financial	financial	ADJ
gujaf-364	190	53	inclusion	inclusion	NOUN
gujaf-364	190	54	reports	report	NOUN
gujaf-364	190	55	.	.	PUNCT
gujaf-364	191	1	control	control	NOUN
gujaf-364	191	2	variables	variable	NOUN
gujaf-364	191	3	include	include	VERB
gujaf-364	191	4	gdp	gdp	NOUN
gujaf-364	191	5	per	per	ADP
gujaf-364	191	6	capita	capita	X
gujaf-364	191	7	(	(	PUNCT
gujaf-364	191	8	constant	constant	ADJ
gujaf-364	191	9	usd	usd	NOUN
gujaf-364	191	10	,	,	PUNCT
gujaf-364	191	11	world	world	NOUN
gujaf-364	191	12	bank	bank	PROPN
gujaf-364	191	13	)	)	PUNCT
gujaf-364	191	14	,	,	PUNCT
gujaf-364	191	15	institutional	institutional	ADJ
gujaf-364	191	16	gusau	gusau	ADJ
gujaf-364	191	17	journal	journal	NOUN
gujaf-364	191	18	of	of	ADP
gujaf-364	191	19	accounting	accounting	NOUN
gujaf-364	191	20	and	and	CCONJ
gujaf-364	191	21	finance	finance	NOUN
gujaf-364	191	22	,	,	PUNCT
gujaf-364	191	23	vol.6	vol.6	PROPN
gujaf-364	191	24	,	,	PUNCT
gujaf-364	191	25	issue	issue	NOUN
gujaf-364	191	26	1	1	NUM
gujaf-364	191	27	,	,	PUNCT
gujaf-364	191	28	april	april	PROPN
gujaf-364	191	29	,	,	PUNCT
gujaf-364	191	30	2025	2025	NUM
gujaf-364	191	31	6	6	NUM
gujaf-364	191	32	quality	quality	NOUN
gujaf-364	191	33	(	(	PUNCT
gujaf-364	191	34	world	world	NOUN
gujaf-364	191	35	governance	governance	NOUN
gujaf-364	191	36	indicators	indicator	NOUN
gujaf-364	191	37	)	)	PUNCT
gujaf-364	191	38	,	,	PUNCT
gujaf-364	191	39	financial	financial	ADJ
gujaf-364	191	40	depth	depth	NOUN
gujaf-364	191	41	(	(	PUNCT
gujaf-364	191	42	domestic	domestic	ADJ
gujaf-364	191	43	credit	credit	NOUN
gujaf-364	191	44	to	to	ADP
gujaf-364	191	45	private	private	ADJ
gujaf-364	191	46	sector	sector	NOUN
gujaf-364	191	47	,	,	PUNCT
gujaf-364	191	48	%	%	NOUN
gujaf-364	191	49	of	of	ADP
gujaf-364	191	50	gdp	gdp	NOUN
gujaf-364	191	51	)	)	PUNCT
gujaf-364	191	52	,	,	PUNCT
gujaf-364	191	53	electricity	electricity	NOUN
gujaf-364	191	54	access	access	NOUN
gujaf-364	191	55	(	(	PUNCT
gujaf-364	191	56	%	%	NOUN
gujaf-364	191	57	of	of	ADP
gujaf-364	191	58	population	population	NOUN
gujaf-364	191	59	with	with	ADP
gujaf-364	191	60	electricity	electricity	NOUN
gujaf-364	191	61	)	)	PUNCT
gujaf-364	191	62	,	,	PUNCT
gujaf-364	191	63	and	and	CCONJ
gujaf-364	191	64	inflation	inflation	NOUN
gujaf-364	191	65	(	(	PUNCT
gujaf-364	191	66	cpi	cpi	PROPN
gujaf-364	191	67	,	,	PUNCT
gujaf-364	191	68	annual	annual	ADJ
gujaf-364	191	69	%	%	NOUN
gujaf-364	191	70	)	)	PUNCT
gujaf-364	191	71	.	.	PUNCT
gujaf-364	192	1	building	build	VERB
gujaf-364	192	2	on	on	ADP
gujaf-364	192	3	the	the	DET
gujaf-364	192	4	theoretical	theoretical	ADJ
gujaf-364	192	5	framework	framework	NOUN
gujaf-364	192	6	,	,	PUNCT
gujaf-364	192	7	the	the	DET
gujaf-364	192	8	primary	primary	ADJ
gujaf-364	192	9	empirical	empirical	ADJ
gujaf-364	192	10	specification	specification	NOUN
gujaf-364	192	11	estimates	estimate	VERB
gujaf-364	192	12	the	the	DET
gujaf-364	192	13	impact	impact	NOUN
gujaf-364	192	14	of	of	ADP
gujaf-364	192	15	fintech	fintech	NOUN
gujaf-364	192	16	penetration	penetration	NOUN
gujaf-364	192	17	on	on	ADP
gujaf-364	192	18	renewable	renewable	ADJ
gujaf-364	192	19	energy	energy	NOUN
gujaf-364	192	20	investment	investment	NOUN
gujaf-364	192	21	dynamics	dynamic	NOUN
gujaf-364	192	22	using	use	VERB
gujaf-364	192	23	a	a	DET
gujaf-364	192	24	dynamic	dynamic	ADJ
gujaf-364	192	25	panel	panel	NOUN
gujaf-364	192	26	gmm	gmm	NOUN
gujaf-364	192	27	approach	approach	NOUN
gujaf-364	192	28	(	(	PUNCT
gujaf-364	192	29	baltagi	baltagi	PROPN
gujaf-364	192	30	et	et	PROPN
gujaf-364	192	31	al	al	PROPN
gujaf-364	192	32	.	.	PROPN
gujaf-364	192	33	,	,	PUNCT
gujaf-364	192	34	2023	2023	NUM
gujaf-364	192	35	)	)	PUNCT
gujaf-364	192	36	.	.	PUNCT
gujaf-364	193	1	specifically	specifically	ADV
gujaf-364	193	2	:	:	PUNCT
gujaf-364	193	3	𝑅𝐸𝐼𝑁𝑉	𝑅𝐸𝐼𝑁𝑉	X
gujaf-364	193	4	=	=	PUNCT
gujaf-364	194	1	𝛽	𝛽	NOUN
gujaf-364	194	2	+	+	NOUN
gujaf-364	194	3	𝛽	𝛽	NOUN
gujaf-364	194	4	𝑅𝐸𝐼𝑁𝑉	𝑅𝐸𝐼𝑁𝑉	NOUN
gujaf-364	194	5	,	,	PUNCT
gujaf-364	194	6	+	+	CCONJ
gujaf-364	194	7	𝛽	𝛽	PRON
gujaf-364	194	8	𝐹𝑃𝐼	𝐹𝑃𝐼	PROPN
gujaf-364	194	9	+	+	CCONJ
gujaf-364	194	10	∑	∑	PROPN
gujaf-364	194	11	𝛿	𝛿	PROPN
gujaf-364	194	12	𝑋	𝑋	PROPN
gujaf-364	194	13	+	+	CCONJ
gujaf-364	194	14	𝜇	𝜇	X
gujaf-364	194	15	+	+	X
gujaf-364	194	16	𝜖	𝜖	X
gujaf-364	194	17	(	(	PUNCT
gujaf-364	194	18	1	1	NUM
gujaf-364	194	19	)	)	PUNCT
gujaf-364	194	20	where	where	SCONJ
gujaf-364	194	21	𝑅𝐸𝐼𝑁𝑉	𝑅𝐸𝐼𝑁𝑉	NOUN
gujaf-364	194	22	,	,	PUNCT
gujaf-364	194	23	captures	capture	VERB
gujaf-364	194	24	persistence	persistence	NOUN
gujaf-364	194	25	in	in	ADP
gujaf-364	194	26	investment	investment	NOUN
gujaf-364	194	27	,	,	PUNCT
gujaf-364	194	28	𝐹𝑃𝐼	𝐹𝑃𝐼	PROPN
gujaf-364	194	29	is	be	AUX
gujaf-364	194	30	key	key	ADJ
gujaf-364	194	31	fintech	fintech	NOUN
gujaf-364	194	32	measure	measure	NOUN
gujaf-364	194	33	,	,	PUNCT
gujaf-364	194	34	𝑋	𝑋	PROPN
gujaf-364	194	35	are	be	AUX
gujaf-364	194	36	controls	control	NOUN
gujaf-364	194	37	,	,	PUNCT
gujaf-364	194	38	𝜇	𝜇	ADP
gujaf-364	194	39	country	country	NOUN
gujaf-364	194	40	fixed	fix	VERB
gujaf-364	194	41	effects	effect	NOUN
gujaf-364	194	42	,	,	PUNCT
gujaf-364	194	43	and	and	CCONJ
gujaf-364	194	44	𝜖	𝜖	VERB
gujaf-364	194	45	the	the	DET
gujaf-364	194	46	error	error	NOUN
gujaf-364	194	47	term	term	NOUN
gujaf-364	194	48	.	.	PUNCT
gujaf-364	195	1	bias	bias	NOUN
gujaf-364	195	2	from	from	ADP
gujaf-364	195	3	endogeneity	endogeneity	NOUN
gujaf-364	195	4	is	be	AUX
gujaf-364	195	5	addressed	address	VERB
gujaf-364	195	6	using	use	VERB
gujaf-364	195	7	system	system	NOUN
gujaf-364	195	8	-	-	PUNCT
gujaf-364	195	9	gmm	gmm	NOUN
gujaf-364	195	10	,	,	PUNCT
gujaf-364	195	11	treating	treat	VERB
gujaf-364	195	12	lagged	lag	VERB
gujaf-364	195	13	reinv	reinv	NOUN
gujaf-364	195	14	and	and	CCONJ
gujaf-364	195	15	fpi	fpi	PROPN
gujaf-364	195	16	as	as	ADV
gujaf-364	195	17	endogenous	endogenous	ADJ
gujaf-364	195	18	and	and	CCONJ
gujaf-364	195	19	employing	employ	VERB
gujaf-364	195	20	internal	internal	ADJ
gujaf-364	195	21	instruments	instrument	NOUN
gujaf-364	195	22	(	(	PUNCT
gujaf-364	195	23	roodman	roodman	NOUN
gujaf-364	195	24	,	,	PUNCT
gujaf-364	195	25	2009	2009	NUM
gujaf-364	195	26	)	)	PUNCT
gujaf-364	195	27	.	.	PUNCT
gujaf-364	196	1	for	for	ADP
gujaf-364	196	2	robustness	robustness	NOUN
gujaf-364	196	3	,	,	PUNCT
gujaf-364	196	4	a	a	DET
gujaf-364	196	5	two	two	NUM
gujaf-364	196	6	-	-	PUNCT
gujaf-364	196	7	stage	stage	NOUN
gujaf-364	196	8	sensitivity	sensitivity	NOUN
gujaf-364	196	9	model	model	NOUN
gujaf-364	196	10	replaces	replace	VERB
gujaf-364	196	11	the	the	DET
gujaf-364	196	12	fpi	fpi	PROPN
gujaf-364	196	13	with	with	ADP
gujaf-364	196	14	its	its	PRON
gujaf-364	196	15	sub	sub	NOUN
gujaf-364	196	16	-	-	NOUN
gujaf-364	196	17	components	component	NOUN
gujaf-364	196	18	individually	individually	ADV
gujaf-364	196	19	and	and	CCONJ
gujaf-364	196	20	includes	include	VERB
gujaf-364	196	21	interaction	interaction	NOUN
gujaf-364	196	22	terms	term	NOUN
gujaf-364	196	23	to	to	PART
gujaf-364	196	24	test	test	VERB
gujaf-364	196	25	whether	whether	SCONJ
gujaf-364	196	26	institutional	institutional	ADJ
gujaf-364	196	27	quality	quality	NOUN
gujaf-364	196	28	and	and	CCONJ
gujaf-364	196	29	gdp	gdp	NOUN
gujaf-364	196	30	per	per	ADP
gujaf-364	196	31	capita	capita	X
gujaf-364	196	32	moderate	moderate	VERB
gujaf-364	196	33	the	the	DET
gujaf-364	196	34	fintech	fintech	NOUN
gujaf-364	196	35	effect	effect	NOUN
gujaf-364	196	36	:	:	PUNCT
gujaf-364	196	37	𝑅𝐸𝐼𝑁𝑉	𝑅𝐸𝐼𝑁𝑉	X
gujaf-364	197	1	=	=	PUNCT
gujaf-364	197	2	𝛾	𝛾	X
gujaf-364	197	3	+	+	CCONJ
gujaf-364	197	4	𝛾	𝛾	ADP
gujaf-364	197	5	𝑅𝐸𝐼𝑁𝑉	𝑅𝐸𝐼𝑁𝑉	NOUN
gujaf-364	197	6	,	,	PUNCT
gujaf-364	197	7	+	+	CCONJ
gujaf-364	197	8	𝛾	𝛾	ADP
gujaf-364	197	9	𝑆𝑈𝐵𝐹𝑃𝐼	𝑆𝑈𝐵𝐹𝑃𝐼	NOUN
gujaf-364	197	10	+	+	CCONJ
gujaf-364	197	11	𝛾	𝛾	X
gujaf-364	197	12	(	(	PUNCT
gujaf-364	197	13	𝑆𝑈𝐵𝐹𝑃𝐼	𝑆𝑈𝐵𝐹𝑃𝐼	NOUN
gujaf-364	197	14	×	×	PROPN
gujaf-364	197	15	𝐼𝑄	𝐼𝑄	PROPN
gujaf-364	197	16	)	)	PUNCT
gujaf-364	198	1	+	+	CCONJ
gujaf-364	198	2	∑𝜃	∑𝜃	ADJ
gujaf-364	198	3	𝑋	𝑋	NOUN
gujaf-364	198	4	+	+	CCONJ
gujaf-364	198	5	𝜇	𝜇	X
gujaf-364	198	6	+	+	X
gujaf-364	198	7	𝜖	𝜖	X
gujaf-364	198	8	(	(	PUNCT
gujaf-364	198	9	2	2	NUM
gujaf-364	198	10	)	)	PUNCT
gujaf-364	198	11	where	where	SCONJ
gujaf-364	198	12	𝑺𝑼𝑩𝑭𝑷𝑰𝒊𝒕	𝑺𝑼𝑩𝑭𝑷𝑰𝒊𝒕	PROPN
gujaf-364	198	13	is	be	AUX
gujaf-364	198	14	one	one	NUM
gujaf-364	198	15	of	of	ADP
gujaf-364	198	16	mobile	mobile	ADJ
gujaf-364	198	17	payments	payment	NOUN
gujaf-364	198	18	,	,	PUNCT
gujaf-364	198	19	digital	digital	ADJ
gujaf-364	198	20	lending	lending	NOUN
gujaf-364	198	21	,	,	PUNCT
gujaf-364	198	22	or	or	CCONJ
gujaf-364	198	23	crowdfunding	crowdfunding	NOUN
gujaf-364	198	24	.	.	PUNCT
gujaf-364	199	1	table	table	NOUN
gujaf-364	199	2	1	1	NUM
gujaf-364	199	3	shows	show	VERB
gujaf-364	199	4	the	the	DET
gujaf-364	199	5	variable	variable	ADJ
gujaf-364	199	6	definitions	definition	NOUN
gujaf-364	199	7	and	and	CCONJ
gujaf-364	199	8	data	datum	NOUN
gujaf-364	199	9	sources	source	NOUN
gujaf-364	199	10	table	table	VERB
gujaf-364	199	11	1	1	NUM
gujaf-364	199	12	.	.	PUNCT
gujaf-364	199	13	variable	variable	ADJ
gujaf-364	199	14	definitions	definition	NOUN
gujaf-364	199	15	and	and	CCONJ
gujaf-364	199	16	data	datum	NOUN
gujaf-364	199	17	sources	source	NOUN
gujaf-364	199	18	variable	variable	ADJ
gujaf-364	199	19	description	description	NOUN
gujaf-364	199	20	unit	unit	NOUN
gujaf-364	199	21	source	source	NOUN
gujaf-364	199	22	(	(	PUNCT
gujaf-364	199	23	years	year	NOUN
gujaf-364	199	24	)	)	PUNCT
gujaf-364	199	25	reinv	reinv	ADJ
gujaf-364	199	26	annual	annual	ADJ
gujaf-364	199	27	new	new	ADJ
gujaf-364	199	28	investment	investment	NOUN
gujaf-364	199	29	in	in	ADP
gujaf-364	199	30	renewable	renewable	ADJ
gujaf-364	199	31	energy	energy	NOUN
gujaf-364	199	32	projects	project	NOUN
gujaf-364	199	33	usd	usd	NOUN
gujaf-364	199	34	million	million	NUM
gujaf-364	199	35	world	world	NOUN
gujaf-364	199	36	bank	bank	NOUN
gujaf-364	199	37	,	,	PUNCT
gujaf-364	199	38	ren21	ren21	PROPN
gujaf-364	199	39	(	(	PUNCT
gujaf-364	199	40	2010–2023	2010–2023	NUM
gujaf-364	199	41	)	)	PUNCT
gujaf-364	199	42	fpi	fpi	PROPN
gujaf-364	199	43	composite	composite	ADJ
gujaf-364	199	44	fintech	fintech	NOUN
gujaf-364	199	45	penetration	penetration	NOUN
gujaf-364	199	46	index	index	NOUN
gujaf-364	199	47	index	index	NOUN
gujaf-364	199	48	(	(	PUNCT
gujaf-364	199	49	0–100	0–100	PROPN
gujaf-364	199	50	)	)	PUNCT
gujaf-364	199	51	imf	imf	PROPN
gujaf-364	199	52	financial	financial	ADJ
gujaf-364	199	53	access	access	NOUN
gujaf-364	199	54	survey	survey	NOUN
gujaf-364	199	55	;	;	PUNCT
gujaf-364	199	56	cgap	cgap	X
gujaf-364	199	57	(	(	PUNCT
gujaf-364	199	58	2010	2010	NUM
gujaf-364	199	59	–	–	PUNCT
gujaf-364	199	60	2023	2023	NUM
gujaf-364	199	61	)	)	PUNCT
gujaf-364	199	62	mobile	mobile	NOUN
gujaf-364	199	63	payments	payment	NOUN
gujaf-364	199	64	mobile	mobile	ADJ
gujaf-364	199	65	payment	payment	NOUN
gujaf-364	199	66	transactions	transaction	NOUN
gujaf-364	199	67	per	per	ADP
gujaf-364	199	68	capita	capita	X
gujaf-364	199	69	transactions	transaction	NOUN
gujaf-364	199	70	imf	imf	NOUN
gujaf-364	199	71	;	;	PUNCT
gujaf-364	199	72	national	national	ADJ
gujaf-364	199	73	reports	report	NOUN
gujaf-364	199	74	(	(	PUNCT
gujaf-364	199	75	2010–2023	2010–2023	NUM
gujaf-364	199	76	)	)	PUNCT
gujaf-364	199	77	digital	digital	ADJ
gujaf-364	199	78	lending	lending	NOUN
gujaf-364	199	79	annual	annual	ADJ
gujaf-364	199	80	digital	digital	ADJ
gujaf-364	199	81	lending	lending	NOUN
gujaf-364	199	82	volume	volume	NOUN
gujaf-364	199	83	per	per	ADP
gujaf-364	199	84	capita	capita	X
gujaf-364	199	85	usd	usd	NOUN
gujaf-364	199	86	cgap	cgap	NOUN
gujaf-364	199	87	;	;	PUNCT
gujaf-364	199	88	national	national	ADJ
gujaf-364	199	89	fintech	fintech	NOUN
gujaf-364	199	90	domestic	domestic	ADJ
gujaf-364	199	91	reports	report	NOUN
gujaf-364	199	92	crowdfunding	crowdfunde	VERB
gujaf-364	199	93	annual	annual	ADJ
gujaf-364	199	94	crowdfunding	crowdfunding	NOUN
gujaf-364	199	95	volume	volume	NOUN
gujaf-364	199	96	for	for	ADP
gujaf-364	199	97	energy	energy	NOUN
gujaf-364	199	98	projects	project	NOUN
gujaf-364	199	99	usd	usd	NOUN
gujaf-364	199	100	national	national	ADJ
gujaf-364	199	101	reports	report	NOUN
gujaf-364	199	102	;	;	PUNCT
gujaf-364	199	103	ren21	ren21	PROPN
gujaf-364	199	104	mini	mini	NOUN
gujaf-364	199	105	-	-	ADJ
gujaf-364	199	106	finance	finance	ADJ
gujaf-364	199	107	section	section	NOUN
gujaf-364	199	108	gdp	gdp	NOUN
gujaf-364	199	109	per	per	ADP
gujaf-364	199	110	capita	capita	X
gujaf-364	199	111	gdp	gdp	NOUN
gujaf-364	199	112	per	per	ADP
gujaf-364	199	113	capita	capita	NOUN
gujaf-364	199	114	,	,	PUNCT
gujaf-364	199	115	constant	constant	ADJ
gujaf-364	199	116	price	price	NOUN
gujaf-364	199	117	usd	usd	NOUN
gujaf-364	199	118	world	world	NOUN
gujaf-364	199	119	bank	bank	PROPN
gujaf-364	199	120	wdi	wdi	PROPN
gujaf-364	199	121	(	(	PUNCT
gujaf-364	199	122	2010	2010	NUM
gujaf-364	199	123	–	–	PUNCT
gujaf-364	199	124	2023	2023	NUM
gujaf-364	199	125	)	)	PUNCT
gujaf-364	199	126	institutional	institutional	ADJ
gujaf-364	199	127	quality	quality	NOUN
gujaf-364	199	128	(	(	PUNCT
gujaf-364	199	129	iq	iq	NOUN
gujaf-364	199	130	)	)	PUNCT
gujaf-364	199	131	average	average	NOUN
gujaf-364	199	132	of	of	ADP
gujaf-364	199	133	six	six	NUM
gujaf-364	199	134	wgi	wgi	NOUN
gujaf-364	199	135	indices	index	NOUN
gujaf-364	199	136	:	:	PUNCT
gujaf-364	199	137	control	control	NOUN
gujaf-364	199	138	of	of	ADP
gujaf-364	199	139	corruption	corruption	NOUN
gujaf-364	199	140	,	,	PUNCT
gujaf-364	199	141	government	government	NOUN
gujaf-364	199	142	effectiveness	effectiveness	NOUN
gujaf-364	199	143	,	,	PUNCT
gujaf-364	199	144	etc	etc	X
gujaf-364	199	145	.	.	X
gujaf-364	199	146	index	index	NOUN
gujaf-364	199	147	(	(	PUNCT
gujaf-364	199	148	-2.5	-2.5	PROPN
gujaf-364	199	149	–	–	PUNCT
gujaf-364	199	150	2.5	2.5	NUM
gujaf-364	199	151	)	)	PUNCT
gujaf-364	199	152	world	world	NOUN
gujaf-364	199	153	governance	governance	NOUN
gujaf-364	199	154	indicators	indicator	NOUN
gujaf-364	199	155	(	(	PUNCT
gujaf-364	199	156	2010–2023	2010–2023	NUM
gujaf-364	199	157	)	)	PUNCT
gujaf-364	199	158	financial	financial	ADJ
gujaf-364	199	159	depth	depth	NOUN
gujaf-364	199	160	domestic	domestic	ADJ
gujaf-364	199	161	credit	credit	NOUN
gujaf-364	199	162	to	to	ADP
gujaf-364	199	163	private	private	ADJ
gujaf-364	199	164	sector	sector	NOUN
gujaf-364	199	165	%	%	NOUN
gujaf-364	199	166	of	of	ADP
gujaf-364	199	167	gdp	gdp	PROPN
gujaf-364	199	168	world	world	PROPN
gujaf-364	199	169	bank	bank	PROPN
gujaf-364	199	170	wdi	wdi	PROPN
gujaf-364	199	171	(	(	PUNCT
gujaf-364	199	172	2010	2010	NUM
gujaf-364	199	173	–	–	PUNCT
gujaf-364	199	174	2023	2023	NUM
gujaf-364	199	175	)	)	PUNCT
gujaf-364	199	176	electricity	electricity	NOUN
gujaf-364	199	177	access	access	NOUN
gujaf-364	199	178	population	population	NOUN
gujaf-364	199	179	with	with	ADP
gujaf-364	199	180	access	access	NOUN
gujaf-364	199	181	to	to	ADP
gujaf-364	199	182	electricity	electricity	NOUN
gujaf-364	199	183	%	%	NOUN
gujaf-364	199	184	world	world	PROPN
gujaf-364	199	185	bank	bank	PROPN
gujaf-364	199	186	wdi	wdi	PROPN
gujaf-364	199	187	inflation	inflation	NOUN
gujaf-364	199	188	consumer	consumer	NOUN
gujaf-364	199	189	price	price	NOUN
gujaf-364	199	190	index	index	NOUN
gujaf-364	199	191	,	,	PUNCT
gujaf-364	199	192	annual	annual	ADJ
gujaf-364	199	193	change	change	NOUN
gujaf-364	199	194	%	%	NOUN
gujaf-364	199	195	world	world	PROPN
gujaf-364	199	196	bank	bank	PROPN
gujaf-364	199	197	wdi	wdi	PROPN
gujaf-364	199	198	source	source	NOUN
gujaf-364	199	199	:	:	PUNCT
gujaf-364	199	200	author	author	NOUN
gujaf-364	199	201	(	(	PUNCT
gujaf-364	199	202	2025	2025	NUM
gujaf-364	199	203	)	)	PUNCT
gujaf-364	199	204	the	the	DET
gujaf-364	199	205	study	study	NOUN
gujaf-364	199	206	leverages	leverage	VERB
gujaf-364	199	207	a	a	DET
gujaf-364	199	208	system	system	NOUN
gujaf-364	199	209	-	-	PUNCT
gujaf-364	199	210	gmm	gmm	NOUN
gujaf-364	199	211	estimator	estimator	NOUN
gujaf-364	199	212	(	(	PUNCT
gujaf-364	199	213	arellano	arellano	PROPN
gujaf-364	199	214	&	&	CCONJ
gujaf-364	199	215	bover	bover	PROPN
gujaf-364	199	216	,	,	PUNCT
gujaf-364	199	217	1995	1995	NUM
gujaf-364	199	218	;	;	PUNCT
gujaf-364	199	219	blundell	blundell	PROPN
gujaf-364	199	220	&	&	CCONJ
gujaf-364	199	221	bond	bond	PROPN
gujaf-364	199	222	,	,	PUNCT
gujaf-364	199	223	1998	1998	NUM
gujaf-364	199	224	)	)	PUNCT
gujaf-364	199	225	,	,	PUNCT
gujaf-364	199	226	a	a	DET
gujaf-364	199	227	method	method	NOUN
gujaf-364	199	228	well	well	ADV
gujaf-364	199	229	-	-	PUNCT
gujaf-364	199	230	suited	suit	VERB
gujaf-364	199	231	to	to	ADP
gujaf-364	199	232	dynamic	dynamic	ADJ
gujaf-364	199	233	panel	panel	NOUN
gujaf-364	199	234	settings	setting	NOUN
gujaf-364	199	235	with	with	ADP
gujaf-364	199	236	potential	potential	ADJ
gujaf-364	199	237	endogeneity	endogeneity	NOUN
gujaf-364	199	238	,	,	PUNCT
gujaf-364	199	239	unobserved	unobserved	ADJ
gujaf-364	199	240	heterogeneity	heterogeneity	NOUN
gujaf-364	199	241	,	,	PUNCT
gujaf-364	199	242	and	and	CCONJ
gujaf-364	199	243	measurement	measurement	NOUN
gujaf-364	199	244	error	error	NOUN
gujaf-364	199	245	.	.	PUNCT
gujaf-364	200	1	this	this	DET
gujaf-364	200	2	technique	technique	NOUN
gujaf-364	200	3	uses	use	VERB
gujaf-364	200	4	both	both	CCONJ
gujaf-364	200	5	differenced	differenced	ADJ
gujaf-364	200	6	and	and	CCONJ
gujaf-364	200	7	level	level	NOUN
gujaf-364	200	8	equations	equation	NOUN
gujaf-364	200	9	by	by	ADP
gujaf-364	200	10	constructing	construct	VERB
gujaf-364	200	11	valid	valid	ADJ
gujaf-364	200	12	instruments	instrument	NOUN
gujaf-364	200	13	from	from	ADP
gujaf-364	200	14	lagged	lag	VERB
gujaf-364	200	15	variables	variable	NOUN
gujaf-364	200	16	deeper	deeply	ADV
gujaf-364	200	17	in	in	ADP
gujaf-364	200	18	time	time	NOUN
gujaf-364	200	19	to	to	PART
gujaf-364	200	20	avoid	avoid	VERB
gujaf-364	200	21	weak	weak	ADJ
gujaf-364	200	22	instrument	instrument	NOUN
gujaf-364	200	23	bias	bias	NOUN
gujaf-364	200	24	(	(	PUNCT
gujaf-364	200	25	roodman	roodman	NOUN
gujaf-364	200	26	,	,	PUNCT
gujaf-364	200	27	2009	2009	NUM
gujaf-364	200	28	)	)	PUNCT
gujaf-364	200	29	.	.	PUNCT
gujaf-364	201	1	instrument	instrument	NOUN
gujaf-364	201	2	proliferation	proliferation	NOUN
gujaf-364	201	3	is	be	AUX
gujaf-364	201	4	addressed	address	VERB
gujaf-364	201	5	by	by	ADP
gujaf-364	201	6	limiting	limit	VERB
gujaf-364	201	7	lags	lag	NOUN
gujaf-364	201	8	to	to	ADP
gujaf-364	201	9	two	two	NUM
gujaf-364	201	10	periods	period	NOUN
gujaf-364	201	11	and	and	CCONJ
gujaf-364	201	12	applying	apply	VERB
gujaf-364	201	13	the	the	DET
gujaf-364	201	14	collapsed	collapse	VERB
gujaf-364	201	15	instrument	instrument	NOUN
gujaf-364	201	16	matrix	matrix	NOUN
gujaf-364	201	17	approach	approach	NOUN
gujaf-364	201	18	.	.	PUNCT
gujaf-364	202	1	gusau	gusau	ADJ
gujaf-364	202	2	journal	journal	PROPN
gujaf-364	202	3	of	of	ADP
gujaf-364	202	4	accounting	accounting	NOUN
gujaf-364	202	5	and	and	CCONJ
gujaf-364	202	6	finance	finance	NOUN
gujaf-364	202	7	,	,	PUNCT
gujaf-364	202	8	vol.6	vol.6	PROPN
gujaf-364	202	9	,	,	PUNCT
gujaf-364	202	10	issue	issue	NOUN
gujaf-364	202	11	1	1	NUM
gujaf-364	202	12	,	,	PUNCT
gujaf-364	202	13	april	april	PROPN
gujaf-364	202	14	,	,	PUNCT
gujaf-364	202	15	2025	2025	NUM
gujaf-364	202	16	7	7	NUM
gujaf-364	202	17	primary	primary	ADJ
gujaf-364	202	18	estimation	estimation	NOUN
gujaf-364	202	19	equations	equation	NOUN
gujaf-364	202	20	(	(	PUNCT
gujaf-364	202	21	1	1	NUM
gujaf-364	202	22	)	)	PUNCT
gujaf-364	202	23	and	and	CCONJ
gujaf-364	202	24	(	(	PUNCT
gujaf-364	202	25	2	2	X
gujaf-364	202	26	)	)	PUNCT
gujaf-364	202	27	are	be	AUX
gujaf-364	202	28	tested	test	VERB
gujaf-364	202	29	against	against	ADP
gujaf-364	202	30	panel	panel	NOUN
gujaf-364	202	31	fixed	fix	VERB
gujaf-364	202	32	effects	effect	NOUN
gujaf-364	202	33	estimators	estimator	NOUN
gujaf-364	202	34	and	and	CCONJ
gujaf-364	202	35	pooled	pool	VERB
gujaf-364	202	36	ols	ol	NOUN
gujaf-364	202	37	to	to	PART
gujaf-364	202	38	illustrate	illustrate	VERB
gujaf-364	202	39	bias	bias	NOUN
gujaf-364	202	40	correction	correction	NOUN
gujaf-364	202	41	.	.	PUNCT
gujaf-364	203	1	we	we	PRON
gujaf-364	203	2	perform	perform	VERB
gujaf-364	203	3	sensitivity	sensitivity	NOUN
gujaf-364	203	4	analyses	analysis	NOUN
gujaf-364	203	5	by	by	ADP
gujaf-364	203	6	recalibrating	recalibrate	VERB
gujaf-364	203	7	fpi	fpi	PROPN
gujaf-364	203	8	weights	weight	NOUN
gujaf-364	203	9	,	,	PUNCT
gujaf-364	203	10	applying	apply	VERB
gujaf-364	203	11	per	per	ADP
gujaf-364	203	12	capita	capita	X
gujaf-364	203	13	versus	versus	X
gujaf-364	203	14	gdp	gdp	NOUN
gujaf-364	203	15	ratios	ratio	NOUN
gujaf-364	203	16	for	for	ADP
gujaf-364	203	17	reinv	reinv	NOUN
gujaf-364	203	18	,	,	PUNCT
gujaf-364	203	19	and	and	CCONJ
gujaf-364	203	20	excluding	exclude	VERB
gujaf-364	203	21	outliers	outlier	NOUN
gujaf-364	203	22	beyond	beyond	ADP
gujaf-364	203	23	the	the	DET
gujaf-364	203	24	95th	95th	ADJ
gujaf-364	203	25	percentile	percentile	NOUN
gujaf-364	203	26	.	.	PUNCT
gujaf-364	204	1	the	the	DET
gujaf-364	204	2	choice	choice	NOUN
gujaf-364	204	3	of	of	ADP
gujaf-364	204	4	system	system	NOUN
gujaf-364	204	5	-	-	PUNCT
gujaf-364	204	6	gmm	gmm	PROPN
gujaf-364	204	7	is	be	AUX
gujaf-364	204	8	grounded	ground	VERB
gujaf-364	204	9	in	in	ADP
gujaf-364	204	10	its	its	PRON
gujaf-364	204	11	successful	successful	ADJ
gujaf-364	204	12	application	application	NOUN
gujaf-364	204	13	in	in	ADP
gujaf-364	204	14	similar	similar	ADJ
gujaf-364	204	15	fintech	fintech	NOUN
gujaf-364	204	16	-	-	PUNCT
gujaf-364	204	17	environment	environment	NOUN
gujaf-364	204	18	studies	study	NOUN
gujaf-364	204	19	(	(	PUNCT
gujaf-364	204	20	le	le	X
gujaf-364	204	21	&	&	CCONJ
gujaf-364	204	22	nguyen	nguyen	PROPN
gujaf-364	204	23	,	,	PUNCT
gujaf-364	204	24	2022	2022	NUM
gujaf-364	204	25	;	;	PUNCT
gujaf-364	205	1	raimi	raimi	PROPN
gujaf-364	205	2	et	et	PROPN
gujaf-364	205	3	al	al	PROPN
gujaf-364	205	4	.	.	PROPN
gujaf-364	205	5	,	,	PUNCT
gujaf-364	205	6	2023	2023	NUM
gujaf-364	205	7	)	)	PUNCT
gujaf-364	205	8	,	,	PUNCT
gujaf-364	205	9	demonstrating	demonstrate	VERB
gujaf-364	205	10	superior	superior	ADJ
gujaf-364	205	11	performance	performance	NOUN
gujaf-364	205	12	in	in	ADP
gujaf-364	205	13	controlling	control	VERB
gujaf-364	205	14	for	for	ADP
gujaf-364	205	15	endogenous	endogenous	ADJ
gujaf-364	205	16	dynamics	dynamic	NOUN
gujaf-364	205	17	common	common	ADJ
gujaf-364	205	18	in	in	ADP
gujaf-364	205	19	macro	macro	ADJ
gujaf-364	205	20	-	-	ADJ
gujaf-364	205	21	financial	financial	ADJ
gujaf-364	205	22	panels	panel	NOUN
gujaf-364	205	23	.	.	PUNCT
gujaf-364	206	1	4.0	4.0	NUM
gujaf-364	206	2	results	result	NOUN
gujaf-364	206	3	and	and	CCONJ
gujaf-364	206	4	implications	implication	NOUN
gujaf-364	206	5	the	the	DET
gujaf-364	206	6	descriptive	descriptive	ADJ
gujaf-364	206	7	statistics	statistic	NOUN
gujaf-364	206	8	reveal	reveal	VERB
gujaf-364	206	9	considerable	considerable	ADJ
gujaf-364	206	10	variation	variation	NOUN
gujaf-364	206	11	in	in	ADP
gujaf-364	206	12	key	key	ADJ
gujaf-364	206	13	variables	variable	NOUN
gujaf-364	206	14	across	across	ADP
gujaf-364	206	15	our	our	PRON
gujaf-364	206	16	developingcountry	developingcountry	NOUN
gujaf-364	206	17	sample	sample	NOUN
gujaf-364	206	18	,	,	PUNCT
gujaf-364	206	19	with	with	ADP
gujaf-364	206	20	fintech	fintech	NOUN
gujaf-364	206	21	penetration	penetration	NOUN
gujaf-364	206	22	index	index	NOUN
gujaf-364	206	23	(	(	PUNCT
gujaf-364	206	24	fpi	fpi	PROPN
gujaf-364	206	25	)	)	PUNCT
gujaf-364	206	26	averaging	average	VERB
gujaf-364	206	27	0.523	0.523	NUM
gujaf-364	206	28	(	(	PUNCT
gujaf-364	206	29	sd	sd	NOUN
gujaf-364	206	30	=	=	NOUN
gujaf-364	206	31	0.211	0.211	NUM
gujaf-364	206	32	)	)	PUNCT
gujaf-364	206	33	and	and	CCONJ
gujaf-364	206	34	renewable	renewable	ADJ
gujaf-364	206	35	investment	investment	NOUN
gujaf-364	206	36	(	(	PUNCT
gujaf-364	206	37	reinv	reinv	ADJ
gujaf-364	206	38	)	)	PUNCT
gujaf-364	206	39	averaging	average	VERB
gujaf-364	206	40	3.412	3.412	NUM
gujaf-364	206	41	(	(	PUNCT
gujaf-364	206	42	sd	sd	NOUN
gujaf-364	206	43	=	=	NOUN
gujaf-364	206	44	1.258	1.258	NUM
gujaf-364	206	45	)	)	PUNCT
gujaf-364	206	46	.	.	PUNCT
gujaf-364	207	1	this	this	DET
gujaf-364	207	2	dispersion	dispersion	NOUN
gujaf-364	207	3	,	,	PUNCT
gujaf-364	207	4	ranging	range	VERB
gujaf-364	207	5	from	from	ADP
gujaf-364	207	6	a	a	DET
gujaf-364	207	7	minimum	minimum	ADJ
gujaf-364	207	8	fpi	fpi	NOUN
gujaf-364	207	9	of	of	ADP
gujaf-364	207	10	0.130	0.130	NUM
gujaf-364	207	11	to	to	ADP
gujaf-364	207	12	a	a	DET
gujaf-364	207	13	maximum	maximum	NOUN
gujaf-364	207	14	of	of	ADP
gujaf-364	207	15	0.954	0.954	NUM
gujaf-364	207	16	,	,	PUNCT
gujaf-364	207	17	and	and	CCONJ
gujaf-364	207	18	reinv	reinv	ADJ
gujaf-364	207	19	spanning	span	VERB
gujaf-364	207	20	0.891	0.891	NUM
gujaf-364	207	21	to	to	ADP
gujaf-364	207	22	6.872	6.872	NUM
gujaf-364	207	23	,	,	PUNCT
gujaf-364	207	24	suggests	suggest	VERB
gujaf-364	207	25	substantive	substantive	ADJ
gujaf-364	207	26	heterogeneity	heterogeneity	NOUN
gujaf-364	207	27	in	in	ADP
gujaf-364	207	28	how	how	SCONJ
gujaf-364	207	29	digital	digital	ADJ
gujaf-364	207	30	finance	finance	NOUN
gujaf-364	207	31	and	and	CCONJ
gujaf-364	207	32	green	green	ADJ
gujaf-364	207	33	finance	finance	NOUN
gujaf-364	207	34	dynamics	dynamic	NOUN
gujaf-364	207	35	operate	operate	VERB
gujaf-364	207	36	across	across	ADP
gujaf-364	207	37	countries	country	NOUN
gujaf-364	207	38	and	and	CCONJ
gujaf-364	207	39	time	time	NOUN
gujaf-364	207	40	.	.	PUNCT
gujaf-364	208	1	such	such	ADJ
gujaf-364	208	2	heterogeneity	heterogeneity	NOUN
gujaf-364	208	3	aligns	align	VERB
gujaf-364	208	4	with	with	ADP
gujaf-364	208	5	prior	prior	ADJ
gujaf-364	208	6	findings	finding	NOUN
gujaf-364	208	7	from	from	ADP
gujaf-364	208	8	middle	middle	ADJ
gujaf-364	208	9	eastern	eastern	ADJ
gujaf-364	208	10	and	and	CCONJ
gujaf-364	208	11	african	african	ADJ
gujaf-364	208	12	panels	panel	NOUN
gujaf-364	208	13	,	,	PUNCT
gujaf-364	208	14	underscoring	underscore	VERB
gujaf-364	208	15	that	that	DET
gujaf-364	208	16	fintech	fintech	NOUN
gujaf-364	208	17	’s	’s	PART
gujaf-364	208	18	impact	impact	NOUN
gujaf-364	208	19	on	on	ADP
gujaf-364	208	20	green	green	ADJ
gujaf-364	208	21	investment	investment	NOUN
gujaf-364	208	22	depends	depend	VERB
gujaf-364	208	23	heavily	heavily	ADV
gujaf-364	208	24	on	on	ADP
gujaf-364	208	25	existing	exist	VERB
gujaf-364	208	26	financial	financial	ADJ
gujaf-364	208	27	and	and	CCONJ
gujaf-364	208	28	institutional	institutional	ADJ
gujaf-364	208	29	infrastructure	infrastructure	NOUN
gujaf-364	208	30	 	 	SPACE
gujaf-364	208	31	(	(	PUNCT
gujaf-364	208	32	ibrahim	ibrahim	NOUN
gujaf-364	208	33	et	et	PROPN
gujaf-364	208	34	al	al	PROPN
gujaf-364	208	35	.	.	PROPN
gujaf-364	208	36	,	,	PUNCT
gujaf-364	208	37	2024	2024	NUM
gujaf-364	208	38	;	;	PUNCT
gujaf-364	209	1	raimi	raimi	PROPN
gujaf-364	209	2	et	et	PROPN
gujaf-364	209	3	al	al	PROPN
gujaf-364	209	4	.	.	PROPN
gujaf-364	209	5	,	,	PUNCT
gujaf-364	209	6	2023	2023	NUM
gujaf-364	209	7	)	)	PUNCT
gujaf-364	209	8	.	.	PUNCT
gujaf-364	210	1	the	the	DET
gujaf-364	210	2	moderate	moderate	ADJ
gujaf-364	210	3	to	to	ADP
gujaf-364	210	4	strong	strong	ADJ
gujaf-364	210	5	correlations	correlation	NOUN
gujaf-364	210	6	between	between	ADP
gujaf-364	210	7	fpi	fpi	PROPN
gujaf-364	210	8	and	and	CCONJ
gujaf-364	210	9	its	its	PRON
gujaf-364	210	10	sub	sub	ADJ
gujaf-364	210	11	-	-	ADJ
gujaf-364	210	12	components	components	ADJ
gujaf-364	210	13	mobile	mobile	ADJ
gujaf-364	210	14	payments	payment	NOUN
gujaf-364	210	15	(	(	PUNCT
gujaf-364	210	16	r	r	NOUN
gujaf-364	210	17	=	=	PUNCT
gujaf-364	210	18	0.758	0.758	NUM
gujaf-364	210	19	)	)	PUNCT
gujaf-364	210	20	,	,	PUNCT
gujaf-364	210	21	digital	digital	ADJ
gujaf-364	210	22	lending	lending	NOUN
gujaf-364	210	23	(	(	PUNCT
gujaf-364	210	24	r	r	NOUN
gujaf-364	210	25	=	=	NOUN
gujaf-364	210	26	0.691	0.691	NUM
gujaf-364	210	27	)	)	PUNCT
gujaf-364	210	28	,	,	PUNCT
gujaf-364	210	29	and	and	CCONJ
gujaf-364	210	30	crowdfunding	crowdfunding	NOUN
gujaf-364	210	31	(	(	PUNCT
gujaf-364	210	32	r	r	NOUN
gujaf-364	210	33	=	=	SYM
gujaf-364	210	34	0.662	0.662	NUM
gujaf-364	210	35	)	)	PUNCT
gujaf-364	210	36	demonstrate	demonstrate	VERB
gujaf-364	210	37	internal	internal	ADJ
gujaf-364	210	38	coherence	coherence	NOUN
gujaf-364	210	39	within	within	ADP
gujaf-364	210	40	the	the	DET
gujaf-364	210	41	fintech	fintech	NOUN
gujaf-364	210	42	construct	construct	NOUN
gujaf-364	210	43	(	(	PUNCT
gujaf-364	210	44	table	table	NOUN
gujaf-364	210	45	3	3	NUM
gujaf-364	210	46	)	)	PUNCT
gujaf-364	210	47	.	.	PUNCT
gujaf-364	211	1	importantly	importantly	ADV
gujaf-364	211	2	,	,	PUNCT
gujaf-364	211	3	fpi	fpi	PROPN
gujaf-364	211	4	also	also	ADV
gujaf-364	211	5	correlates	correlate	VERB
gujaf-364	211	6	substantially	substantially	ADV
gujaf-364	211	7	with	with	ADP
gujaf-364	211	8	reinv	reinv	ADJ
gujaf-364	211	9	(	(	PUNCT
gujaf-364	211	10	r	r	NOUN
gujaf-364	211	11	=	=	SYM
gujaf-364	211	12	0.514	0.514	NUM
gujaf-364	211	13	)	)	PUNCT
gujaf-364	211	14	,	,	PUNCT
gujaf-364	211	15	reflecting	reflect	VERB
gujaf-364	211	16	fintech	fintech	NOUN
gujaf-364	211	17	’s	’s	PART
gujaf-364	211	18	facilitative	facilitative	ADJ
gujaf-364	211	19	role	role	NOUN
gujaf-364	211	20	in	in	ADP
gujaf-364	211	21	mobilizing	mobilize	VERB
gujaf-364	211	22	green	green	ADJ
gujaf-364	211	23	finance	finance	NOUN
gujaf-364	211	24	.	.	PUNCT
gujaf-364	212	1	this	this	DET
gujaf-364	212	2	result	result	NOUN
gujaf-364	212	3	echoes	echo	VERB
gujaf-364	212	4	global	global	ADJ
gujaf-364	212	5	assessments	assessment	NOUN
gujaf-364	212	6	indicating	indicate	VERB
gujaf-364	212	7	that	that	SCONJ
gujaf-364	212	8	fintech	fintech	NOUN
gujaf-364	212	9	ecosystems	ecosystem	NOUN
gujaf-364	212	10	enhance	enhance	VERB
gujaf-364	212	11	capital	capital	NOUN
gujaf-364	212	12	flow	flow	NOUN
gujaf-364	212	13	efficiency	efficiency	NOUN
gujaf-364	212	14	for	for	ADP
gujaf-364	212	15	renewable	renewable	ADJ
gujaf-364	212	16	energy	energy	NOUN
gujaf-364	212	17	projects	project	NOUN
gujaf-364	212	18	 	 	SPACE
gujaf-364	212	19	(	(	PUNCT
gujaf-364	212	20	metawa	metawa	PROPN
gujaf-364	212	21	et	et	PROPN
gujaf-364	212	22	al	al	PROPN
gujaf-364	212	23	.	.	PROPN
gujaf-364	212	24	,	,	PUNCT
gujaf-364	212	25	2024	2024	NUM
gujaf-364	212	26	;	;	PUNCT
gujaf-364	212	27	le	le	PROPN
gujaf-364	212	28	&	&	CCONJ
gujaf-364	212	29	nguyen	nguyen	PROPN
gujaf-364	212	30	,	,	PUNCT
gujaf-364	212	31	2022	2022	NUM
gujaf-364	212	32	)	)	PUNCT
gujaf-364	212	33	.	.	PUNCT
gujaf-364	213	1	variance	variance	NOUN
gujaf-364	213	2	inflation	inflation	NOUN
gujaf-364	213	3	factors	factor	NOUN
gujaf-364	213	4	(	(	PUNCT
gujaf-364	213	5	vifs	vif	NOUN
gujaf-364	213	6	)	)	PUNCT
gujaf-364	213	7	remain	remain	VERB
gujaf-364	213	8	below	below	ADP
gujaf-364	213	9	critical	critical	ADJ
gujaf-364	213	10	thresholds	threshold	NOUN
gujaf-364	213	11	,	,	PUNCT
gujaf-364	213	12	with	with	ADP
gujaf-364	213	13	the	the	DET
gujaf-364	213	14	highest	high	ADJ
gujaf-364	213	15	attributable	attributable	ADJ
gujaf-364	213	16	to	to	ADP
gujaf-364	213	17	fpi	fpi	PROPN
gujaf-364	213	18	at	at	ADP
gujaf-364	213	19	3.612	3.612	NUM
gujaf-364	213	20	,	,	PUNCT
gujaf-364	213	21	indicating	indicate	VERB
gujaf-364	213	22	acceptable	acceptable	ADJ
gujaf-364	213	23	multicollinearity	multicollinearity	NOUN
gujaf-364	213	24	levels	level	NOUN
gujaf-364	213	25	(	(	PUNCT
gujaf-364	213	26	table	table	NOUN
gujaf-364	213	27	4	4	NUM
gujaf-364	213	28	)	)	PUNCT
gujaf-364	213	29	.	.	PUNCT
gujaf-364	214	1	this	this	PRON
gujaf-364	214	2	strengthens	strengthen	VERB
gujaf-364	214	3	the	the	DET
gujaf-364	214	4	credibility	credibility	NOUN
gujaf-364	214	5	of	of	ADP
gujaf-364	214	6	subsequent	subsequent	ADJ
gujaf-364	214	7	panel	panel	NOUN
gujaf-364	214	8	estimations	estimation	NOUN
gujaf-364	214	9	,	,	PUNCT
gujaf-364	214	10	suggesting	suggest	VERB
gujaf-364	214	11	that	that	SCONJ
gujaf-364	214	12	collinearity	collinearity	NOUN
gujaf-364	214	13	among	among	ADP
gujaf-364	214	14	fintech	fintech	NOUN
gujaf-364	214	15	variables	variable	NOUN
gujaf-364	214	16	does	do	AUX
gujaf-364	214	17	not	not	PART
gujaf-364	214	18	compromise	compromise	VERB
gujaf-364	214	19	coefficient	coefficient	NOUN
gujaf-364	214	20	precision	precision	NOUN
gujaf-364	214	21	.	.	PUNCT
gujaf-364	215	1	this	this	PRON
gujaf-364	215	2	is	be	AUX
gujaf-364	215	3	consistent	consistent	ADJ
gujaf-364	215	4	with	with	ADP
gujaf-364	215	5	best	good	ADJ
gujaf-364	215	6	practices	practice	NOUN
gujaf-364	215	7	in	in	ADP
gujaf-364	215	8	applying	apply	VERB
gujaf-364	215	9	composite	composite	ADJ
gujaf-364	215	10	indices	index	NOUN
gujaf-364	215	11	to	to	ADP
gujaf-364	215	12	development	development	NOUN
gujaf-364	215	13	macro	macro	NOUN
gujaf-364	215	14	-	-	NOUN
gujaf-364	215	15	panels	panel	NOUN
gujaf-364	215	16	 	 	SPACE
gujaf-364	215	17	(	(	PUNCT
gujaf-364	215	18	khan	khan	PROPN
gujaf-364	215	19	et	et	PROPN
gujaf-364	215	20	al	al	PROPN
gujaf-364	215	21	.	.	PROPN
gujaf-364	215	22	,	,	PUNCT
gujaf-364	215	23	2022	2022	NUM
gujaf-364	215	24	)	)	PUNCT
gujaf-364	215	25	.	.	PUNCT
gujaf-364	216	1	the	the	DET
gujaf-364	216	2	fixed	fix	VERB
gujaf-364	216	3	effects	effect	NOUN
gujaf-364	216	4	regression	regression	NOUN
gujaf-364	216	5	(	(	PUNCT
gujaf-364	216	6	table	table	NOUN
gujaf-364	216	7	5	5	NUM
gujaf-364	216	8	)	)	PUNCT
gujaf-364	216	9	provides	provide	VERB
gujaf-364	216	10	robust	robust	ADJ
gujaf-364	216	11	evidence	evidence	NOUN
gujaf-364	216	12	that	that	SCONJ
gujaf-364	216	13	fpi	fpi	PROPN
gujaf-364	216	14	exerts	exert	VERB
gujaf-364	216	15	a	a	DET
gujaf-364	216	16	significant	significant	ADJ
gujaf-364	216	17	positive	positive	ADJ
gujaf-364	216	18	influence	influence	NOUN
gujaf-364	216	19	on	on	ADP
gujaf-364	216	20	reinv	reinv	ADJ
gujaf-364	216	21	,	,	PUNCT
gujaf-364	216	22	even	even	ADV
gujaf-364	216	23	when	when	SCONJ
gujaf-364	216	24	controlling	control	VERB
gujaf-364	216	25	for	for	ADP
gujaf-364	216	26	macroeconomic	macroeconomic	ADJ
gujaf-364	216	27	variables	variable	NOUN
gujaf-364	216	28	,	,	PUNCT
gujaf-364	216	29	institutional	institutional	ADJ
gujaf-364	216	30	strength	strength	NOUN
gujaf-364	216	31	,	,	PUNCT
gujaf-364	216	32	and	and	CCONJ
gujaf-364	216	33	financial	financial	ADJ
gujaf-364	216	34	depth	depth	NOUN
gujaf-364	216	35	.	.	PUNCT
gujaf-364	217	1	disaggregated	disaggregate	VERB
gujaf-364	217	2	components	component	NOUN
gujaf-364	217	3	also	also	ADV
gujaf-364	217	4	prove	prove	VERB
gujaf-364	217	5	effective	effective	ADJ
gujaf-364	217	6	:	:	PUNCT
gujaf-364	217	7	mobile	mobile	ADJ
gujaf-364	217	8	payment	payment	NOUN
gujaf-364	217	9	,	,	PUNCT
gujaf-364	217	10	digital	digital	ADJ
gujaf-364	217	11	lending	lending	NOUN
gujaf-364	217	12	,	,	PUNCT
gujaf-364	217	13	and	and	CCONJ
gujaf-364	217	14	crowdfunding	crowdfunde	VERB
gujaf-364	217	15	each	each	PRON
gujaf-364	217	16	with	with	ADP
gujaf-364	217	17	.	.	PUNCT
gujaf-364	218	1	these	these	DET
gujaf-364	218	2	estimates	estimate	NOUN
gujaf-364	218	3	support	support	VERB
gujaf-364	218	4	the	the	DET
gujaf-364	218	5	view	view	NOUN
gujaf-364	218	6	that	that	SCONJ
gujaf-364	218	7	fintech	fintech	NOUN
gujaf-364	218	8	improves	improve	VERB
gujaf-364	218	9	access	access	NOUN
gujaf-364	218	10	to	to	ADP
gujaf-364	218	11	long	long	ADJ
gujaf-364	218	12	-	-	PUNCT
gujaf-364	218	13	term	term	NOUN
gujaf-364	218	14	financing	financing	NOUN
gujaf-364	218	15	and	and	CCONJ
gujaf-364	218	16	reduces	reduce	VERB
gujaf-364	218	17	friction	friction	NOUN
gujaf-364	218	18	costs	cost	NOUN
gujaf-364	218	19	in	in	ADP
gujaf-364	218	20	renewable	renewable	ADJ
gujaf-364	218	21	energy	energy	NOUN
gujaf-364	218	22	deployment	deployment	NOUN
gujaf-364	218	23	 	 	SPACE
gujaf-364	218	24	(	(	PUNCT
gujaf-364	218	25	croutzet	croutzet	PROPN
gujaf-364	218	26	&	&	CCONJ
gujaf-364	218	27	dabbous	dabbous	ADJ
gujaf-364	218	28	,	,	PUNCT
gujaf-364	218	29	2021	2021	NUM
gujaf-364	218	30	;	;	PUNCT
gujaf-364	218	31	metawa	metawa	PROPN
gujaf-364	218	32	et	et	PROPN
gujaf-364	218	33	al	al	PROPN
gujaf-364	218	34	.	.	PROPN
gujaf-364	218	35	,	,	PUNCT
gujaf-364	218	36	2024	2024	NUM
gujaf-364	218	37	)	)	PUNCT
gujaf-364	218	38	.	.	PUNCT
gujaf-364	219	1	macroeconomic	macroeconomic	ADJ
gujaf-364	219	2	controls	control	NOUN
gujaf-364	219	3	behave	behave	VERB
gujaf-364	219	4	as	as	SCONJ
gujaf-364	219	5	expected	expect	VERB
gujaf-364	219	6	gdp	gdp	NOUN
gujaf-364	219	7	per	per	ADP
gujaf-364	219	8	capita	capita	NOUN
gujaf-364	219	9	,	,	PUNCT
gujaf-364	219	10	institutional	institutional	ADJ
gujaf-364	219	11	quality	quality	NOUN
gujaf-364	219	12	,	,	PUNCT
gujaf-364	219	13	financial	financial	ADJ
gujaf-364	219	14	depth	depth	NOUN
gujaf-364	219	15	,	,	PUNCT
gujaf-364	219	16	and	and	CCONJ
gujaf-364	219	17	electricity	electricity	NOUN
gujaf-364	219	18	access	access	NOUN
gujaf-364	219	19	are	be	AUX
gujaf-364	219	20	all	all	PRON
gujaf-364	219	21	positively	positively	ADV
gujaf-364	219	22	associated	associate	VERB
gujaf-364	219	23	with	with	ADP
gujaf-364	219	24	reinv	reinv	ADJ
gujaf-364	219	25	,	,	PUNCT
gujaf-364	219	26	reflecting	reflect	VERB
gujaf-364	219	27	the	the	DET
gujaf-364	219	28	combined	combine	VERB
gujaf-364	219	29	roles	role	NOUN
gujaf-364	219	30	of	of	ADP
gujaf-364	219	31	development	development	NOUN
gujaf-364	219	32	,	,	PUNCT
gujaf-364	219	33	governance	governance	NOUN
gujaf-364	219	34	,	,	PUNCT
gujaf-364	219	35	and	and	CCONJ
gujaf-364	219	36	infrastructure	infrastructure	NOUN
gujaf-364	219	37	in	in	ADP
gujaf-364	219	38	enabling	enable	VERB
gujaf-364	219	39	fintech	fintech	NOUN
gujaf-364	219	40	-	-	PUNCT
gujaf-364	219	41	driven	drive	VERB
gujaf-364	219	42	green	green	ADJ
gujaf-364	219	43	investment	investment	NOUN
gujaf-364	219	44	.	.	PUNCT
gujaf-364	220	1	meanwhile	meanwhile	ADV
gujaf-364	220	2	,	,	PUNCT
gujaf-364	220	3	inflation	inflation	NOUN
gujaf-364	220	4	is	be	AUX
gujaf-364	220	5	negatively	negatively	ADV
gujaf-364	220	6	associated	associate	VERB
gujaf-364	220	7	,	,	PUNCT
gujaf-364	220	8	supporting	support	VERB
gujaf-364	220	9	observations	observation	NOUN
gujaf-364	220	10	that	that	PRON
gujaf-364	220	11	macroeconomic	macroeconomic	ADJ
gujaf-364	220	12	instability	instability	NOUN
gujaf-364	220	13	undermines	undermine	VERB
gujaf-364	220	14	long	long	ADJ
gujaf-364	220	15	-	-	PUNCT
gujaf-364	220	16	term	term	NOUN
gujaf-364	220	17	green	green	ADJ
gujaf-364	220	18	financing	financing	NOUN
gujaf-364	220	19	 	 	SPACE
gujaf-364	220	20	(	(	PUNCT
gujaf-364	220	21	ibrahim	ibrahim	NOUN
gujaf-364	220	22	et	et	PROPN
gujaf-364	220	23	al	al	PROPN
gujaf-364	220	24	.	.	PROPN
gujaf-364	220	25	,	,	PUNCT
gujaf-364	220	26	2024	2024	NUM
gujaf-364	220	27	;	;	PUNCT
gujaf-364	220	28	omor	omor	PROPN
gujaf-364	220	29	faruq	faruq	PROPN
gujaf-364	220	30	et	et	PROPN
gujaf-364	220	31	al	al	PROPN
gujaf-364	220	32	.	.	PROPN
gujaf-364	220	33	,	,	PUNCT
gujaf-364	220	34	2025	2025	NUM
gujaf-364	220	35	)	)	PUNCT
gujaf-364	220	36	.	.	PUNCT
gujaf-364	221	1	sensitivity	sensitivity	NOUN
gujaf-364	221	2	analysis	analysis	NOUN
gujaf-364	221	3	(	(	PUNCT
gujaf-364	221	4	table	table	NOUN
gujaf-364	221	5	6	6	NUM
gujaf-364	221	6	)	)	PUNCT
gujaf-364	221	7	confirms	confirm	VERB
gujaf-364	221	8	the	the	DET
gujaf-364	221	9	stability	stability	NOUN
gujaf-364	221	10	of	of	ADP
gujaf-364	221	11	the	the	DET
gujaf-364	221	12	fpi	fpi	PROPN
gujaf-364	221	13	coefficient	coefficient	NOUN
gujaf-364	221	14	under	under	ADP
gujaf-364	221	15	various	various	ADJ
gujaf-364	221	16	specifications	specification	NOUN
gujaf-364	221	17	:	:	PUNCT
gujaf-364	221	18	the	the	DET
gujaf-364	221	19	full	full	ADJ
gujaf-364	221	20	index	index	NOUN
gujaf-364	221	21	,	,	PUNCT
gujaf-364	221	22	fpi	fpi	PROPN
gujaf-364	221	23	-	-	PUNCT
gujaf-364	221	24	only	only	ADV
gujaf-364	221	25	model	model	NOUN
gujaf-364	221	26	,	,	PUNCT
gujaf-364	221	27	excluding	exclude	VERB
gujaf-364	221	28	crowdfunding	crowdfunding	NOUN
gujaf-364	221	29	,	,	PUNCT
gujaf-364	221	30	and	and	CCONJ
gujaf-364	221	31	inclusion	inclusion	NOUN
gujaf-364	221	32	of	of	ADP
gujaf-364	221	33	lagged	lag	VERB
gujaf-364	221	34	gusau	gusau	ADJ
gujaf-364	221	35	journal	journal	NOUN
gujaf-364	221	36	of	of	ADP
gujaf-364	221	37	accounting	accounting	NOUN
gujaf-364	221	38	and	and	CCONJ
gujaf-364	221	39	finance	finance	NOUN
gujaf-364	221	40	,	,	PUNCT
gujaf-364	221	41	vol.6	vol.6	PROPN
gujaf-364	221	42	,	,	PUNCT
gujaf-364	221	43	issue	issue	NOUN
gujaf-364	221	44	1	1	NUM
gujaf-364	221	45	,	,	PUNCT
gujaf-364	221	46	april	april	PROPN
gujaf-364	221	47	,	,	PUNCT
gujaf-364	221	48	2025	2025	NUM
gujaf-364	221	49	8	8	NUM
gujaf-364	221	50	reinv	reinv	ADJ
gujaf-364	221	51	.	.	PUNCT
gujaf-364	222	1	these	these	DET
gujaf-364	222	2	results	result	NOUN
gujaf-364	222	3	indicate	indicate	VERB
gujaf-364	222	4	that	that	DET
gujaf-364	222	5	fintech	fintech	NOUN
gujaf-364	222	6	’s	’s	PART
gujaf-364	222	7	positive	positive	ADJ
gujaf-364	222	8	effect	effect	NOUN
gujaf-364	222	9	is	be	AUX
gujaf-364	222	10	not	not	PART
gujaf-364	222	11	driven	drive	VERB
gujaf-364	222	12	by	by	ADP
gujaf-364	222	13	any	any	DET
gujaf-364	222	14	single	single	ADJ
gujaf-364	222	15	subindex	subindex	NOUN
gujaf-364	222	16	and	and	CCONJ
gujaf-364	222	17	remains	remain	VERB
gujaf-364	222	18	robust	robust	ADJ
gujaf-364	222	19	when	when	SCONJ
gujaf-364	222	20	accounting	account	VERB
gujaf-364	222	21	for	for	ADP
gujaf-364	222	22	temporal	temporal	ADJ
gujaf-364	222	23	persistence	persistence	NOUN
gujaf-364	222	24	in	in	ADP
gujaf-364	222	25	investment	investment	NOUN
gujaf-364	222	26	behavior	behavior	NOUN
gujaf-364	222	27	.	.	PUNCT
gujaf-364	223	1	gmm	gmm	PROPN
gujaf-364	223	2	estimation	estimation	NOUN
gujaf-364	223	3	(	(	PUNCT
gujaf-364	223	4	table	table	NOUN
gujaf-364	223	5	6	6	NUM
gujaf-364	223	6	)	)	PUNCT
gujaf-364	223	7	further	far	ADV
gujaf-364	223	8	substantiates	substantiate	VERB
gujaf-364	223	9	fintech	fintech	NOUN
gujaf-364	223	10	’s	’s	PART
gujaf-364	223	11	causal	causal	NOUN
gujaf-364	223	12	link	link	NOUN
gujaf-364	223	13	to	to	ADP
gujaf-364	223	14	renewable	renewable	ADJ
gujaf-364	223	15	investment	investment	NOUN
gujaf-364	223	16	:	:	PUNCT
gujaf-364	223	17	the	the	DET
gujaf-364	223	18	fpi	fpi	PROPN
gujaf-364	223	19	coefficient	coefficient	NOUN
gujaf-364	223	20	remains	remain	VERB
gujaf-364	223	21	significant	significant	ADJ
gujaf-364	223	22	,	,	PUNCT
gujaf-364	223	23	while	while	SCONJ
gujaf-364	223	24	the	the	DET
gujaf-364	223	25	lagged	lag	VERB
gujaf-364	223	26	reinv	reinv	NOUN
gujaf-364	223	27	shows	show	NOUN
gujaf-364	223	28	expected	expect	VERB
gujaf-364	223	29	persistence	persistence	NOUN
gujaf-364	223	30	.	.	PUNCT
gujaf-364	224	1	the	the	DET
gujaf-364	224	2	validity	validity	NOUN
gujaf-364	224	3	of	of	ADP
gujaf-364	224	4	iv	iv	NUM
gujaf-364	224	5	instruments	instrument	NOUN
gujaf-364	224	6	is	be	AUX
gujaf-364	224	7	supported	support	VERB
gujaf-364	224	8	by	by	ADP
gujaf-364	224	9	a	a	DET
gujaf-364	224	10	non	non	NOUN
gujaf-364	224	11	-	-	NOUN
gujaf-364	224	12	rejection	rejection	NOUN
gujaf-364	224	13	of	of	ADP
gujaf-364	224	14	the	the	DET
gujaf-364	224	15	hansen	hansen	PROPN
gujaf-364	224	16	j	j	PROPN
gujaf-364	224	17	-	-	NOUN
gujaf-364	224	18	test	test	NOUN
gujaf-364	224	19	(	(	PUNCT
gujaf-364	224	20	p	p	X
gujaf-364	224	21	=	=	NOUN
gujaf-364	224	22	0.414	0.414	NUM
gujaf-364	224	23	)	)	PUNCT
gujaf-364	224	24	and	and	CCONJ
gujaf-364	224	25	absence	absence	NOUN
gujaf-364	224	26	of	of	ADP
gujaf-364	224	27	second	second	ADJ
gujaf-364	224	28	-	-	PUNCT
gujaf-364	224	29	order	order	NOUN
gujaf-364	224	30	autocorrelation	autocorrelation	NOUN
gujaf-364	224	31	(	(	PUNCT
gujaf-364	224	32	ar(2	ar(2	PROPN
gujaf-364	224	33	)	)	PUNCT
gujaf-364	224	34	p	p	NOUN
gujaf-364	224	35	=	=	NOUN
gujaf-364	224	36	0.391	0.391	NUM
gujaf-364	224	37	)	)	PUNCT
gujaf-364	224	38	.	.	PUNCT
gujaf-364	225	1	these	these	DET
gujaf-364	225	2	diagnostics	diagnostic	NOUN
gujaf-364	225	3	reinforce	reinforce	VERB
gujaf-364	225	4	causality	causality	NOUN
gujaf-364	225	5	claims	claim	NOUN
gujaf-364	225	6	and	and	CCONJ
gujaf-364	225	7	align	align	VERB
gujaf-364	225	8	with	with	ADP
gujaf-364	225	9	methodological	methodological	ADJ
gujaf-364	225	10	recommendations	recommendation	NOUN
gujaf-364	225	11	for	for	ADP
gujaf-364	225	12	dynamic	dynamic	ADJ
gujaf-364	225	13	financeinvestment	financeinvestment	NOUN
gujaf-364	225	14	panels	panel	NOUN
gujaf-364	225	15	 	 	SPACE
gujaf-364	225	16	(	(	PUNCT
gujaf-364	225	17	le	le	X
gujaf-364	225	18	&	&	CCONJ
gujaf-364	225	19	nguyen	nguyen	PROPN
gujaf-364	225	20	,	,	PUNCT
gujaf-364	225	21	2022	2022	NUM
gujaf-364	225	22	;	;	PUNCT
gujaf-364	225	23	raimi	raimi	PROPN
gujaf-364	225	24	et	et	PROPN
gujaf-364	225	25	al	al	PROPN
gujaf-364	225	26	.	.	PROPN
gujaf-364	225	27	,	,	PUNCT
gujaf-364	225	28	2023	2023	NUM
gujaf-364	225	29	)	)	PUNCT
gujaf-364	225	30	.	.	PUNCT
gujaf-364	226	1	economically	economically	ADV
gujaf-364	226	2	,	,	PUNCT
gujaf-364	226	3	coefficients	coefficient	NOUN
gujaf-364	226	4	translate	translate	VERB
gujaf-364	226	5	to	to	ADP
gujaf-364	226	6	economically	economically	ADV
gujaf-364	226	7	meaningful	meaningful	ADJ
gujaf-364	226	8	elasticities	elasticity	NOUN
gujaf-364	226	9	:	:	PUNCT
gujaf-364	226	10	a	a	DET
gujaf-364	226	11	one	one	NUM
gujaf-364	226	12	standard	standard	ADJ
gujaf-364	226	13	deviation	deviation	NOUN
gujaf-364	226	14	increase	increase	NOUN
gujaf-364	226	15	in	in	ADP
gujaf-364	226	16	fpi	fpi	PROPN
gujaf-364	226	17	from	from	ADP
gujaf-364	226	18	mean	mean	PROPN
gujaf-364	226	19	0.523	0.523	NUM
gujaf-364	226	20	to	to	ADP
gujaf-364	226	21	approximately	approximately	ADV
gujaf-364	226	22	0.734	0.734	NUM
gujaf-364	226	23	approximates	approximate	VERB
gujaf-364	226	24	a	a	DET
gujaf-364	226	25	0.087	0.087	NUM
gujaf-364	226	26	increase	increase	NOUN
gujaf-364	226	27	in	in	ADP
gujaf-364	226	28	log	log	NOUN
gujaf-364	226	29	reinv	reinv	ADJ
gujaf-364	226	30	,	,	PUNCT
gujaf-364	226	31	implying	imply	VERB
gujaf-364	226	32	around	around	ADP
gujaf-364	226	33	an	an	DET
gujaf-364	226	34	8	8	NUM
gujaf-364	226	35	-	-	SYM
gujaf-364	226	36	9	9	NUM
gujaf-364	226	37	%	%	NOUN
gujaf-364	226	38	rise	rise	NOUN
gujaf-364	226	39	in	in	ADP
gujaf-364	226	40	renewable	renewable	ADJ
gujaf-364	226	41	energy	energy	NOUN
gujaf-364	226	42	investment	investment	NOUN
gujaf-364	226	43	.	.	PUNCT
gujaf-364	227	1	this	this	DET
gujaf-364	227	2	magnitude	magnitude	NOUN
gujaf-364	227	3	is	be	AUX
gujaf-364	227	4	consistent	consistent	ADJ
gujaf-364	227	5	with	with	ADP
gujaf-364	227	6	findings	finding	NOUN
gujaf-364	227	7	from	from	ADP
gujaf-364	227	8	regional	regional	ADJ
gujaf-364	227	9	case	case	NOUN
gujaf-364	227	10	studies	study	NOUN
gujaf-364	227	11	in	in	ADP
gujaf-364	227	12	asia	asia	PROPN
gujaf-364	227	13	and	and	CCONJ
gujaf-364	227	14	africa	africa	PROPN
gujaf-364	227	15	,	,	PUNCT
gujaf-364	227	16	where	where	SCONJ
gujaf-364	227	17	fintech	fintech	NOUN
gujaf-364	227	18	maturation	maturation	NOUN
gujaf-364	227	19	yielded	yield	VERB
gujaf-364	227	20	between	between	ADP
gujaf-364	227	21	5	5	NUM
gujaf-364	227	22	-	-	SYM
gujaf-364	227	23	12	12	NUM
gujaf-364	227	24	%	%	NOUN
gujaf-364	227	25	additional	additional	ADJ
gujaf-364	227	26	green	green	ADJ
gujaf-364	227	27	investments	investment	NOUN
gujaf-364	227	28	 	 	SPACE
gujaf-364	227	29	(	(	PUNCT
gujaf-364	227	30	zhang	zhang	PROPN
gujaf-364	227	31	&	&	CCONJ
gujaf-364	227	32	zhang	zhang	PROPN
gujaf-364	227	33	,	,	PUNCT
gujaf-364	227	34	2022	2022	NUM
gujaf-364	227	35	;	;	PUNCT
gujaf-364	228	1	raimi	raimi	PROPN
gujaf-364	228	2	et	et	PROPN
gujaf-364	228	3	al	al	PROPN
gujaf-364	228	4	.	.	PROPN
gujaf-364	228	5	,	,	PUNCT
gujaf-364	228	6	2023	2023	NUM
gujaf-364	228	7	)	)	PUNCT
gujaf-364	228	8	.	.	PUNCT
gujaf-364	229	1	these	these	DET
gujaf-364	229	2	results	result	NOUN
gujaf-364	229	3	underscore	underscore	VERB
gujaf-364	229	4	that	that	PRON
gujaf-364	229	5	fintech	fintech	NOUN
gujaf-364	229	6	supports	support	VERB
gujaf-364	229	7	greener	green	ADJ
gujaf-364	229	8	economies	economy	NOUN
gujaf-364	229	9	through	through	ADP
gujaf-364	229	10	three	three	NUM
gujaf-364	229	11	intertwined	intertwine	VERB
gujaf-364	229	12	channels	channel	NOUN
gujaf-364	229	13	:	:	PUNCT
gujaf-364	229	14	mobilizing	mobilize	VERB
gujaf-364	229	15	savings	saving	NOUN
gujaf-364	229	16	via	via	ADP
gujaf-364	229	17	mobile	mobile	ADJ
gujaf-364	229	18	payments	payment	NOUN
gujaf-364	229	19	;	;	PUNCT
gujaf-364	229	20	enhancing	enhance	VERB
gujaf-364	229	21	financing	financing	NOUN
gujaf-364	229	22	access	access	NOUN
gujaf-364	229	23	via	via	ADP
gujaf-364	229	24	digital	digital	ADJ
gujaf-364	229	25	lending	lending	NOUN
gujaf-364	229	26	;	;	PUNCT
gujaf-364	229	27	and	and	CCONJ
gujaf-364	229	28	democratizing	democratize	VERB
gujaf-364	229	29	investment	investment	NOUN
gujaf-364	229	30	via	via	ADP
gujaf-364	229	31	crowdfunding	crowdfunde	VERB
gujaf-364	229	32	.	.	PUNCT
gujaf-364	230	1	these	these	DET
gujaf-364	230	2	findings	finding	NOUN
gujaf-364	230	3	resonate	resonate	VERB
gujaf-364	230	4	with	with	ADP
gujaf-364	230	5	global	global	ADJ
gujaf-364	230	6	patterns	pattern	NOUN
gujaf-364	230	7	described	describe	VERB
gujaf-364	230	8	in	in	ADP
gujaf-364	230	9	recent	recent	ADJ
gujaf-364	230	10	syntheses	synthesis	NOUN
gujaf-364	230	11	of	of	ADP
gujaf-364	230	12	clean	clean	ADJ
gujaf-364	230	13	energy	energy	NOUN
gujaf-364	230	14	fintech	fintech	NOUN
gujaf-364	230	15	co	co	NOUN
gujaf-364	230	16	-	-	NOUN
gujaf-364	230	17	investment	investment	ADJ
gujaf-364	230	18	dynamics	dynamic	NOUN
gujaf-364	230	19	 	 	SPACE
gujaf-364	230	20	(	(	PUNCT
gujaf-364	230	21	metawa	metawa	PROPN
gujaf-364	230	22	et	et	PROPN
gujaf-364	230	23	al	al	PROPN
gujaf-364	230	24	.	.	PROPN
gujaf-364	230	25	,	,	PUNCT
gujaf-364	230	26	2024	2024	NUM
gujaf-364	230	27	)	)	PUNCT
gujaf-364	230	28	.	.	PUNCT
gujaf-364	231	1	consequently	consequently	ADV
gujaf-364	231	2	,	,	PUNCT
gujaf-364	231	3	fintech	fintech	NOUN
gujaf-364	231	4	represents	represent	VERB
gujaf-364	231	5	not	not	PART
gujaf-364	231	6	just	just	ADV
gujaf-364	231	7	a	a	DET
gujaf-364	231	8	financial	financial	ADJ
gujaf-364	231	9	innovation	innovation	NOUN
gujaf-364	231	10	,	,	PUNCT
gujaf-364	231	11	but	but	CCONJ
gujaf-364	231	12	a	a	DET
gujaf-364	231	13	scalable	scalable	ADJ
gujaf-364	231	14	mechanism	mechanism	NOUN
gujaf-364	231	15	for	for	ADP
gujaf-364	231	16	driving	drive	VERB
gujaf-364	231	17	inclusive	inclusive	ADJ
gujaf-364	231	18	and	and	CCONJ
gujaf-364	231	19	sustainable	sustainable	ADJ
gujaf-364	231	20	energy	energy	NOUN
gujaf-364	231	21	transitions	transition	NOUN
gujaf-364	231	22	in	in	ADP
gujaf-364	231	23	the	the	DET
gujaf-364	231	24	global	global	ADJ
gujaf-364	231	25	south	south	PROPN
gujaf-364	231	26	.	.	PUNCT
gujaf-364	231	27	table	table	NOUN
gujaf-364	231	28	2	2	NUM
gujaf-364	231	29	:	:	PUNCT
gujaf-364	231	30	summary	summary	NOUN
gujaf-364	231	31	statistics	statistic	NOUN
gujaf-364	231	32	variable	variable	ADJ
gujaf-364	231	33	mean	mean	VERB
gujaf-364	231	34	std	std	PROPN
gujaf-364	231	35	.	.	PROPN
gujaf-364	231	36	dev	dev	PROPN
gujaf-364	231	37	.	.	PUNCT
gujaf-364	232	1	min	min	PROPN
gujaf-364	232	2	max	max	PROPN
gujaf-364	232	3	reinv	reinv	PROPN
gujaf-364	232	4	(	(	PUNCT
gujaf-364	232	5	renewable	renewable	ADJ
gujaf-364	232	6	investment	investment	NOUN
gujaf-364	232	7	)	)	PUNCT
gujaf-364	232	8	3.412	3.412	NUM
gujaf-364	232	9	1.258	1.258	NUM
gujaf-364	232	10	0.891	0.891	NUM
gujaf-364	232	11	6.872	6.872	NUM
gujaf-364	232	12	fpi	fpi	PROPN
gujaf-364	232	13	(	(	PUNCT
gujaf-364	232	14	fintech	fintech	NOUN
gujaf-364	232	15	penetration	penetration	NOUN
gujaf-364	232	16	index	index	NOUN
gujaf-364	232	17	)	)	PUNCT
gujaf-364	232	18	0.523	0.523	NUM
gujaf-364	232	19	0.211	0.211	NUM
gujaf-364	232	20	0.130	0.130	NUM
gujaf-364	232	21	0.954	0.954	NUM
gujaf-364	232	22	mobile_payments	mobile_payment	NOUN
gujaf-364	232	23	0.476	0.476	NUM
gujaf-364	232	24	0.295	0.295	NUM
gujaf-364	232	25	0.014	0.014	NUM
gujaf-364	232	26	0.994	0.994	NUM
gujaf-364	232	27	digital_lending	digital_lende	VERB
gujaf-364	232	28	0.332	0.332	NUM
gujaf-364	232	29	0.178	0.178	NUM
gujaf-364	232	30	0.052	0.052	NUM
gujaf-364	232	31	0.712	0.712	NUM
gujaf-364	232	32	crowdfunding	crowdfunde	VERB
gujaf-364	232	33	0.144	0.144	NUM
gujaf-364	232	34	0.112	0.112	NUM
gujaf-364	232	35	0.003	0.003	NUM
gujaf-364	232	36	0.478	0.478	NUM
gujaf-364	232	37	gdp_per_capita	gdp_per_capita	NOUN
gujaf-364	232	38	1.823	1.823	NUM
gujaf-364	232	39	0.647	0.647	NUM
gujaf-364	232	40	0.834	0.834	NUM
gujaf-364	232	41	3.251	3.251	NUM
gujaf-364	232	42	institutional_quality	institutional_quality	NOUN
gujaf-364	232	43	0.532	0.532	NUM
gujaf-364	232	44	0.203	0.203	NUM
gujaf-364	232	45	0.189	0.189	NUM
gujaf-364	232	46	0.912	0.912	NUM
gujaf-364	232	47	financial_depth	financial_depth	NOUN
gujaf-364	232	48	0.391	0.391	NUM
gujaf-364	232	49	0.185	0.185	NUM
gujaf-364	232	50	0.111	0.111	NUM
gujaf-364	232	51	0.812	0.812	NUM
gujaf-364	232	52	electricity_access	electricity_access	NOUN
gujaf-364	232	53	0.739	0.739	NUM
gujaf-364	232	54	0.216	0.216	NUM
gujaf-364	232	55	0.201	0.201	NUM
gujaf-364	232	56	0.982	0.982	NUM
gujaf-364	232	57	inflation	inflation	NOUN
gujaf-364	232	58	6.412	6.412	NUM
gujaf-364	232	59	3.327	3.327	NUM
gujaf-364	232	60	1.101	1.101	NUM
gujaf-364	232	61	14.210	14.210	NUM
gujaf-364	232	62	source	source	NOUN
gujaf-364	232	63	:	:	PUNCT
gujaf-364	232	64	stata	stata	PROPN
gujaf-364	232	65	,	,	PUNCT
gujaf-364	232	66	(	(	PUNCT
gujaf-364	232	67	2025	2025	NUM
gujaf-364	232	68	)	)	PUNCT
gujaf-364	232	69	.	.	PUNCT
gujaf-364	233	1	gusau	gusau	PROPN
gujaf-364	233	2	journal	journal	PROPN
gujaf-364	233	3	of	of	ADP
gujaf-364	233	4	accounting	accounting	NOUN
gujaf-364	233	5	and	and	CCONJ
gujaf-364	233	6	finance	finance	NOUN
gujaf-364	233	7	,	,	PUNCT
gujaf-364	233	8	vol.6	vol.6	PROPN
gujaf-364	233	9	,	,	PUNCT
gujaf-364	233	10	issue	issue	NOUN
gujaf-364	233	11	1	1	NUM
gujaf-364	233	12	,	,	PUNCT
gujaf-364	233	13	april	april	PROPN
gujaf-364	233	14	,	,	PUNCT
gujaf-364	233	15	2025	2025	NUM
gujaf-364	233	16	9	9	NUM
gujaf-364	233	17	table	table	NOUN
gujaf-364	233	18	3	3	NUM
gujaf-364	233	19	:	:	PUNCT
gujaf-364	233	20	correlation	correlation	NOUN
gujaf-364	233	21	matrix	matrix	NOUN
gujaf-364	233	22	reinv	reinv	VERB
gujaf-364	233	23	fpi	fpi	PROPN
gujaf-364	233	24	mobile	mobile	ADJ
gujaf-364	233	25	lending	lending	NOUN
gujaf-364	233	26	crowd	crowd	NOUN
gujaf-364	233	27	reinv	reinv	VERB
gujaf-364	233	28	1.000	1.000	NUM
gujaf-364	233	29	0.514	0.514	NUM
gujaf-364	233	30	0.432	0.432	NUM
gujaf-364	233	31	0.409	0.409	NUM
gujaf-364	233	32	0.385	0.385	NUM
gujaf-364	233	33	fpi	fpi	PROPN
gujaf-364	233	34	0.514	0.514	NUM
gujaf-364	233	35	1.000	1.000	NUM
gujaf-364	233	36	0.758	0.758	NUM
gujaf-364	233	37	0.691	0.691	NUM
gujaf-364	233	38	0.662	0.662	NUM
gujaf-364	233	39	mobile_payments	mobile_payment	NOUN
gujaf-364	233	40	0.432	0.432	NUM
gujaf-364	233	41	0.758	0.758	NUM
gujaf-364	233	42	1.000	1.000	NUM
gujaf-364	233	43	0.652	0.652	NUM
gujaf-364	233	44	0.533	0.533	NUM
gujaf-364	233	45	digital_lending	digital_lende	VERB
gujaf-364	233	46	0.409	0.409	NUM
gujaf-364	233	47	0.691	0.691	NUM
gujaf-364	233	48	0.652	0.652	NUM
gujaf-364	233	49	1.000	1.000	NUM
gujaf-364	233	50	0.489	0.489	NUM
gujaf-364	233	51	crowdfunding	crowdfunde	VERB
gujaf-364	233	52	0.385	0.385	NUM
gujaf-364	233	53	0.662	0.662	NUM
gujaf-364	233	54	0.533	0.533	NUM
gujaf-364	233	55	0.489	0.489	NUM
gujaf-364	233	56	1.000	1.000	NUM
gujaf-364	233	57	source	source	NOUN
gujaf-364	233	58	:	:	PUNCT
gujaf-364	233	59	stata	stata	PROPN
gujaf-364	233	60	,	,	PUNCT
gujaf-364	233	61	(	(	PUNCT
gujaf-364	233	62	2025	2025	NUM
gujaf-364	233	63	)	)	PUNCT
gujaf-364	233	64	.	.	PUNCT
gujaf-364	234	1	table	table	NOUN
gujaf-364	234	2	4	4	NUM
gujaf-364	234	3	:	:	PUNCT
gujaf-364	234	4	variance	variance	NOUN
gujaf-364	234	5	inflation	inflation	NOUN
gujaf-364	234	6	factor	factor	NOUN
gujaf-364	234	7	(	(	PUNCT
gujaf-364	234	8	vif	vif	NOUN
gujaf-364	234	9	)	)	PUNCT
gujaf-364	234	10	variable	variable	NOUN
gujaf-364	234	11	vif	vif	NOUN
gujaf-364	234	12	fpi	fpi	PROPN
gujaf-364	234	13	3.612	3.612	NUM
gujaf-364	234	14	mobile_payments	mobile_payment	VERB
gujaf-364	234	15	2.491	2.491	NUM
gujaf-364	234	16	digital_lending	digital_lende	VERB
gujaf-364	234	17	2.013	2.013	NUM
gujaf-364	234	18	crowdfunding	crowdfunde	VERB
gujaf-364	234	19	1.708	1.708	NUM
gujaf-364	234	20	gdp_per_capita	gdp_per_capita	NOUN
gujaf-364	234	21	2.324	2.324	NUM
gujaf-364	234	22	institutional_quality	institutional_quality	NOUN
gujaf-364	234	23	1.805	1.805	NUM
gujaf-364	234	24	financial_depth	financial_depth	NOUN
gujaf-364	234	25	1.716	1.716	NUM
gujaf-364	234	26	electricity_access	electricity_access	NOUN
gujaf-364	234	27	2.102	2.102	NUM
gujaf-364	234	28	inflation	inflation	NOUN
gujaf-364	234	29	1.498	1.498	NUM
gujaf-364	234	30	source	source	NOUN
gujaf-364	234	31	:	:	PUNCT
gujaf-364	234	32	stata	stata	PROPN
gujaf-364	234	33	,	,	PUNCT
gujaf-364	234	34	(	(	PUNCT
gujaf-364	234	35	2025	2025	NUM
gujaf-364	234	36	)	)	PUNCT
gujaf-364	234	37	.	.	PUNCT
gujaf-364	235	1	table	table	NOUN
gujaf-364	235	2	5	5	NUM
gujaf-364	235	3	:	:	PUNCT
gujaf-364	235	4	model	model	NOUN
gujaf-364	235	5	estimation	estimation	NOUN
gujaf-364	235	6	(	(	PUNCT
gujaf-364	235	7	fixed	fix	VERB
gujaf-364	235	8	effects	effect	NOUN
gujaf-364	235	9	)	)	PUNCT
gujaf-364	235	10	variable	variable	ADJ
gujaf-364	235	11	coefficient	coefficient	NOUN
gujaf-364	235	12	std	std	PROPN
gujaf-364	235	13	.	.	NOUN
gujaf-364	235	14	error	error	NOUN
gujaf-364	235	15	t	t	NOUN
gujaf-364	235	16	-	-	PUNCT
gujaf-364	235	17	statistic	statistic	NOUN
gujaf-364	235	18	p	p	NOUN
gujaf-364	235	19	-	-	PUNCT
gujaf-364	235	20	value	value	NOUN
gujaf-364	235	21	fpi	fpi	PROPN
gujaf-364	235	22	0.487	0.487	NUM
gujaf-364	235	23	0.098	0.098	NUM
gujaf-364	235	24	4.973	4.973	NUM
gujaf-364	235	25	0.000	0.000	NUM
gujaf-364	235	26	mobile_payments	mobile_payment	NOUN
gujaf-364	235	27	0.312	0.312	NUM
gujaf-364	235	28	0.086	0.086	NUM
gujaf-364	235	29	3.628	3.628	NUM
gujaf-364	235	30	0.001	0.001	NUM
gujaf-364	235	31	digital_lending	digital_lende	VERB
gujaf-364	235	32	0.278	0.278	NUM
gujaf-364	235	33	0.091	0.091	NUM
gujaf-364	235	34	3.055	3.055	NUM
gujaf-364	235	35	0.003	0.003	NUM
gujaf-364	235	36	crowdfunding	crowdfunde	VERB
gujaf-364	235	37	0.183	0.183	NUM
gujaf-364	235	38	0.069	0.069	NUM
gujaf-364	235	39	2.652	2.652	NUM
gujaf-364	235	40	0.009	0.009	NUM
gujaf-364	235	41	gdp_per_capita	gdp_per_capita	PROPN
gujaf-364	235	42	0.205	0.205	NUM
gujaf-364	235	43	0.071	0.071	NUM
gujaf-364	235	44	2.887	2.887	NUM
gujaf-364	235	45	0.005	0.005	NUM
gujaf-364	235	46	institutional_quality	institutional_quality	NOUN
gujaf-364	235	47	0.134	0.134	NUM
gujaf-364	235	48	0.057	0.057	NUM
gujaf-364	235	49	2.351	2.351	NUM
gujaf-364	235	50	0.019	0.019	NUM
gujaf-364	235	51	financial_depth	financial_depth	NOUN
gujaf-364	235	52	0.192	0.192	NUM
gujaf-364	235	53	0.064	0.064	NUM
gujaf-364	235	54	2.994	2.994	NUM
gujaf-364	235	55	0.004	0.004	NUM
gujaf-364	235	56	electricity_access	electricity_access	NOUN
gujaf-364	235	57	0.216	0.216	NUM
gujaf-364	235	58	0.077	0.077	NUM
gujaf-364	235	59	2.805	2.805	NUM
gujaf-364	235	60	0.006	0.006	NUM
gujaf-364	235	61	inflation	inflation	NOUN
gujaf-364	235	62	-0.043	-0.043	PUNCT
gujaf-364	235	63	0.021	0.021	NUM
gujaf-364	235	64	-2.048	-2.048	NOUN
gujaf-364	235	65	0.042	0.042	NUM
gujaf-364	235	66	r	r	NOUN
gujaf-364	235	67	-	-	PUNCT
gujaf-364	235	68	squared	square	VERB
gujaf-364	235	69	0.681	0.681	NUM
gujaf-364	235	70	source	source	NOUN
gujaf-364	235	71	:	:	PUNCT
gujaf-364	235	72	stata	stata	PROPN
gujaf-364	235	73	,	,	PUNCT
gujaf-364	235	74	(	(	PUNCT
gujaf-364	235	75	2025	2025	NUM
gujaf-364	235	76	)	)	PUNCT
gujaf-364	235	77	.	.	PUNCT
gujaf-364	236	1	gusau	gusau	PROPN
gujaf-364	236	2	journal	journal	PROPN
gujaf-364	236	3	of	of	ADP
gujaf-364	236	4	accounting	accounting	NOUN
gujaf-364	236	5	and	and	CCONJ
gujaf-364	236	6	finance	finance	NOUN
gujaf-364	236	7	,	,	PUNCT
gujaf-364	236	8	vol.6	vol.6	PROPN
gujaf-364	236	9	,	,	PUNCT
gujaf-364	236	10	issue	issue	NOUN
gujaf-364	236	11	1	1	NUM
gujaf-364	236	12	,	,	PUNCT
gujaf-364	236	13	april	april	PROPN
gujaf-364	236	14	,	,	PUNCT
gujaf-364	236	15	2025	2025	NUM
gujaf-364	236	16	10	10	NUM
gujaf-364	236	17	table	table	NOUN
gujaf-364	236	18	6	6	NUM
gujaf-364	236	19	:	:	PUNCT
gujaf-364	236	20	sensitivity	sensitivity	NOUN
gujaf-364	236	21	analysis	analysis	NOUN
gujaf-364	236	22	(	(	PUNCT
gujaf-364	236	23	alternative	alternative	ADJ
gujaf-364	236	24	fintech	fintech	NOUN
gujaf-364	236	25	specification	specification	NOUN
gujaf-364	236	26	)	)	PUNCT
gujaf-364	236	27	specification	specification	NOUN
gujaf-364	236	28	fpi	fpi	PROPN
gujaf-364	236	29	coefficient	coefficient	PROPN
gujaf-364	236	30	adj	adj	PROPN
gujaf-364	236	31	.	.	PROPN
gujaf-364	236	32	r²	r²	NOUN
gujaf-364	236	33	baseline	baseline	NOUN
gujaf-364	236	34	(	(	PUNCT
gujaf-364	236	35	all	all	DET
gujaf-364	236	36	indices	index	NOUN
gujaf-364	236	37	)	)	PUNCT
gujaf-364	236	38	0.487	0.487	NUM
gujaf-364	236	39	0.681	0.681	NUM
gujaf-364	236	40	fpi	fpi	PROPN
gujaf-364	236	41	only	only	ADV
gujaf-364	236	42	0.524	0.524	NUM
gujaf-364	236	43	0.654	0.654	NUM
gujaf-364	236	44	excluding	exclude	VERB
gujaf-364	236	45	crowdfunding	crowdfunde	VERB
gujaf-364	236	46	0.472	0.472	NUM
gujaf-364	236	47	0.667	0.667	NUM
gujaf-364	236	48	with	with	ADP
gujaf-364	236	49	lagged	lag	VERB
gujaf-364	236	50	reinv	reinv	ADJ
gujaf-364	236	51	0.491	0.491	NUM
gujaf-364	236	52	0.678	0.678	NUM
gujaf-364	236	53	source	source	NOUN
gujaf-364	236	54	:	:	PUNCT
gujaf-364	236	55	stata	stata	PROPN
gujaf-364	236	56	,	,	PUNCT
gujaf-364	236	57	(	(	PUNCT
gujaf-364	236	58	2025	2025	NUM
gujaf-364	236	59	)	)	PUNCT
gujaf-364	236	60	.	.	PUNCT
gujaf-364	237	1	table	table	NOUN
gujaf-364	237	2	6	6	NUM
gujaf-364	237	3	:	:	PUNCT
gujaf-364	238	1	robustness	robustness	NOUN
gujaf-364	238	2	tests	test	NOUN
gujaf-364	238	3	(	(	PUNCT
gujaf-364	238	4	gmm	gmm	NOUN
gujaf-364	238	5	estimation	estimation	NOUN
gujaf-364	238	6	)	)	PUNCT
gujaf-364	238	7	variable	variable	ADJ
gujaf-364	238	8	coefficient	coefficient	NOUN
gujaf-364	238	9	std	std	NOUN
gujaf-364	238	10	.	.	PUNCT
gujaf-364	238	11	error	error	NOUN
gujaf-364	238	12	z	z	NOUN
gujaf-364	238	13	-	-	PUNCT
gujaf-364	238	14	statistic	statistic	ADJ
gujaf-364	238	15	p	p	NOUN
gujaf-364	238	16	-	-	PUNCT
gujaf-364	238	17	value	value	NOUN
gujaf-364	238	18	lag(reinv	lag(reinv	NOUN
gujaf-364	238	19	)	)	PUNCT
gujaf-364	238	20	0.341	0.341	NUM
gujaf-364	238	21	0.066	0.066	NUM
gujaf-364	238	22	5.167	5.167	NUM
gujaf-364	238	23	0.000	0.000	NUM
gujaf-364	238	24	fpi	fpi	PROPN
gujaf-364	238	25	0.418	0.418	NUM
gujaf-364	238	26	0.087	0.087	NUM
gujaf-364	238	27	4.803	4.803	NUM
gujaf-364	238	28	0.000	0.000	NUM
gujaf-364	238	29	gdp_per_capita	gdp_per_capita	NOUN
gujaf-364	238	30	0.176	0.176	NUM
gujaf-364	238	31	0.058	0.058	NUM
gujaf-364	238	32	3.034	3.034	NUM
gujaf-364	238	33	0.002	0.002	NUM
gujaf-364	238	34	financial_depth	financial_depth	NOUN
gujaf-364	238	35	0.152	0.152	NUM
gujaf-364	238	36	0.071	0.071	NUM
gujaf-364	238	37	2.141	2.141	NUM
gujaf-364	238	38	0.032	0.032	NUM
gujaf-364	238	39	hansen	hansen	PROPN
gujaf-364	238	40	j	j	PROPN
gujaf-364	238	41	-	-	NOUN
gujaf-364	238	42	test	test	NOUN
gujaf-364	238	43	(	(	PUNCT
gujaf-364	238	44	p	p	NOUN
gujaf-364	238	45	-	-	PUNCT
gujaf-364	238	46	val	val	NOUN
gujaf-364	238	47	)	)	PUNCT
gujaf-364	238	48	0.414	0.414	NUM
gujaf-364	238	49	ar(2	ar(2	PROPN
gujaf-364	238	50	)	)	PUNCT
gujaf-364	238	51	test	test	NOUN
gujaf-364	238	52	(	(	PUNCT
gujaf-364	238	53	p	p	NOUN
gujaf-364	238	54	-	-	PUNCT
gujaf-364	238	55	val	val	NOUN
gujaf-364	238	56	)	)	PUNCT
gujaf-364	238	57	0.391	0.391	NUM
gujaf-364	238	58	instruments	instrument	NOUN
gujaf-364	238	59	used	use	VERB
gujaf-364	238	60	39	39	NUM
gujaf-364	238	61	source	source	NOUN
gujaf-364	238	62	:	:	PUNCT
gujaf-364	238	63	stata	stata	PROPN
gujaf-364	238	64	,	,	PUNCT
gujaf-364	238	65	(	(	PUNCT
gujaf-364	238	66	2025	2025	NUM
gujaf-364	238	67	)	)	PUNCT
gujaf-364	238	68	.	.	PUNCT
gujaf-364	239	1	gusau	gusau	PROPN
gujaf-364	239	2	journal	journal	PROPN
gujaf-364	239	3	of	of	ADP
gujaf-364	239	4	accounting	accounting	NOUN
gujaf-364	239	5	and	and	CCONJ
gujaf-364	239	6	finance	finance	NOUN
gujaf-364	239	7	,	,	PUNCT
gujaf-364	239	8	vol.6	vol.6	PROPN
gujaf-364	239	9	,	,	PUNCT
gujaf-364	239	10	issue	issue	NOUN
gujaf-364	239	11	1	1	NUM
gujaf-364	239	12	,	,	PUNCT
gujaf-364	239	13	april	april	PROPN
gujaf-364	239	14	,	,	PUNCT
gujaf-364	239	15	2025	2025	NUM
gujaf-364	239	16	11	11	NUM
gujaf-364	239	17	source	source	NOUN
gujaf-364	239	18	:	:	PUNCT
gujaf-364	239	19	author	author	NOUN
gujaf-364	239	20	(	(	PUNCT
gujaf-364	239	21	2025	2025	NUM
gujaf-364	239	22	)	)	PUNCT
gujaf-364	239	23	hypotheses	hypothesis	NOUN
gujaf-364	239	24	evaluation	evaluation	NOUN
gujaf-364	239	25	the	the	DET
gujaf-364	239	26	first	first	ADJ
gujaf-364	239	27	hypothesis	hypothesis	NOUN
gujaf-364	239	28	posited	posit	VERB
gujaf-364	239	29	that	that	SCONJ
gujaf-364	239	30	higher	high	ADJ
gujaf-364	239	31	fintech	fintech	NOUN
gujaf-364	239	32	penetration	penetration	NOUN
gujaf-364	239	33	significantly	significantly	ADV
gujaf-364	239	34	increases	increase	VERB
gujaf-364	239	35	renewable	renewable	ADJ
gujaf-364	239	36	energy	energy	NOUN
gujaf-364	239	37	investment	investment	NOUN
gujaf-364	239	38	.	.	PUNCT
gujaf-364	240	1	the	the	DET
gujaf-364	240	2	empirical	empirical	ADJ
gujaf-364	240	3	evidence	evidence	NOUN
gujaf-364	240	4	strongly	strongly	ADV
gujaf-364	240	5	supports	support	VERB
gujaf-364	240	6	this	this	PRON
gujaf-364	240	7	,	,	PUNCT
gujaf-364	240	8	with	with	ADP
gujaf-364	240	9	the	the	DET
gujaf-364	240	10	fixed	fix	VERB
gujaf-364	240	11	-	-	PUNCT
gujaf-364	240	12	effects	effect	NOUN
gujaf-364	240	13	panel	panel	NOUN
gujaf-364	240	14	model	model	NOUN
gujaf-364	240	15	revealing	reveal	VERB
gujaf-364	240	16	a	a	DET
gujaf-364	240	17	coefficient	coefficient	NOUN
gujaf-364	240	18	of	of	ADP
gujaf-364	240	19	0.487	0.487	NUM
gujaf-364	240	20	,	,	PUNCT
gujaf-364	240	21	and	and	CCONJ
gujaf-364	240	22	dynamic	dynamic	ADJ
gujaf-364	240	23	gmm	gmm	NOUN
gujaf-364	240	24	confirming	confirm	VERB
gujaf-364	240	25	causality	causality	NOUN
gujaf-364	240	26	at	at	ADP
gujaf-364	240	27	0.418	0.418	NUM
gujaf-364	240	28	.	.	PUNCT
gujaf-364	241	1	these	these	DET
gujaf-364	241	2	findings	finding	NOUN
gujaf-364	241	3	align	align	VERB
gujaf-364	241	4	with	with	ADP
gujaf-364	241	5	croutzet	croutzet	NOUN
gujaf-364	241	6	and	and	CCONJ
gujaf-364	241	7	dabbous	dabbous	PROPN
gujaf-364	241	8	's	's	PART
gujaf-364	241	9	study	study	NOUN
gujaf-364	241	10	in	in	ADP
gujaf-364	241	11	oecd	oecd	PROPN
gujaf-364	241	12	countries	country	NOUN
gujaf-364	241	13	where	where	SCONJ
gujaf-364	241	14	fintech	fintech	NOUN
gujaf-364	241	15	development	development	NOUN
gujaf-364	241	16	had	have	VERB
gujaf-364	241	17	a	a	DET
gujaf-364	241	18	substantial	substantial	ADJ
gujaf-364	241	19	positive	positive	ADJ
gujaf-364	241	20	effect	effect	NOUN
gujaf-364	241	21	on	on	ADP
gujaf-364	241	22	renewable	renewable	ADJ
gujaf-364	241	23	energy	energy	NOUN
gujaf-364	241	24	use	use	NOUN
gujaf-364	241	25	.	.	PUNCT
gujaf-364	242	1	this	this	PRON
gujaf-364	242	2	suggests	suggest	VERB
gujaf-364	242	3	that	that	SCONJ
gujaf-364	242	4	digital	digital	ADJ
gujaf-364	242	5	financial	financial	ADJ
gujaf-364	242	6	gusau	gusau	ADJ
gujaf-364	242	7	journal	journal	NOUN
gujaf-364	242	8	of	of	ADP
gujaf-364	242	9	accounting	accounting	NOUN
gujaf-364	242	10	and	and	CCONJ
gujaf-364	242	11	finance	finance	NOUN
gujaf-364	242	12	,	,	PUNCT
gujaf-364	242	13	vol.6	vol.6	PROPN
gujaf-364	242	14	,	,	PUNCT
gujaf-364	242	15	issue	issue	NOUN
gujaf-364	242	16	1	1	NUM
gujaf-364	242	17	,	,	PUNCT
gujaf-364	242	18	april	april	PROPN
gujaf-364	242	19	,	,	PUNCT
gujaf-364	242	20	2025	2025	NUM
gujaf-364	242	21	12	12	NUM
gujaf-364	242	22	inclusion	inclusion	NOUN
gujaf-364	242	23	reduces	reduce	VERB
gujaf-364	242	24	transaction	transaction	NOUN
gujaf-364	242	25	costs	cost	NOUN
gujaf-364	242	26	and	and	CCONJ
gujaf-364	242	27	improves	improve	VERB
gujaf-364	242	28	credit	credit	NOUN
gujaf-364	242	29	access	access	NOUN
gujaf-364	242	30	for	for	ADP
gujaf-364	242	31	green	green	ADJ
gujaf-364	242	32	projects	project	NOUN
gujaf-364	242	33	,	,	PUNCT
gujaf-364	242	34	consistent	consistent	ADJ
gujaf-364	242	35	with	with	ADP
gujaf-364	242	36	global	global	ADJ
gujaf-364	242	37	trends	trend	NOUN
gujaf-364	242	38	in	in	ADP
gujaf-364	242	39	green	green	ADJ
gujaf-364	242	40	fintech	fintech	NOUN
gujaf-364	242	41	research	research	NOUN
gujaf-364	242	42	.	.	PUNCT
gujaf-364	243	1	the	the	DET
gujaf-364	243	2	second	second	ADJ
gujaf-364	243	3	hypothesis	hypothesis	NOUN
gujaf-364	243	4	examined	examine	VERB
gujaf-364	243	5	whether	whether	SCONJ
gujaf-364	243	6	mobile	mobile	ADJ
gujaf-364	243	7	payment	payment	NOUN
gujaf-364	243	8	systems	system	NOUN
gujaf-364	243	9	,	,	PUNCT
gujaf-364	243	10	digital	digital	ADJ
gujaf-364	243	11	lending	lending	NOUN
gujaf-364	243	12	platforms	platform	NOUN
gujaf-364	243	13	,	,	PUNCT
gujaf-364	243	14	and	and	CCONJ
gujaf-364	243	15	crowdfunding	crowdfunde	VERB
gujaf-364	243	16	each	each	DET
gujaf-364	243	17	contribute	contribute	VERB
gujaf-364	243	18	distinctly	distinctly	ADV
gujaf-364	243	19	to	to	ADP
gujaf-364	243	20	green	green	ADJ
gujaf-364	243	21	investment	investment	NOUN
gujaf-364	243	22	.	.	PUNCT
gujaf-364	244	1	results	result	NOUN
gujaf-364	244	2	indicate	indicate	VERB
gujaf-364	244	3	that	that	SCONJ
gujaf-364	244	4	mobile	mobile	ADJ
gujaf-364	244	5	payments	payment	NOUN
gujaf-364	244	6	show	show	VERB
gujaf-364	244	7	the	the	DET
gujaf-364	244	8	strongest	strong	ADJ
gujaf-364	244	9	individual	individual	ADJ
gujaf-364	244	10	effect	effect	NOUN
gujaf-364	244	11	,	,	PUNCT
gujaf-364	244	12	followed	follow	VERB
gujaf-364	244	13	by	by	ADP
gujaf-364	244	14	digital	digital	ADJ
gujaf-364	244	15	lending	lending	NOUN
gujaf-364	244	16	and	and	CCONJ
gujaf-364	244	17	crowdfunding	crowdfunding	NOUN
gujaf-364	244	18	,	,	PUNCT
gujaf-364	244	19	all	all	PRON
gujaf-364	244	20	statistically	statistically	ADV
gujaf-364	244	21	significant	significant	ADJ
gujaf-364	244	22	.	.	PUNCT
gujaf-364	245	1	this	this	DET
gujaf-364	245	2	hierarchy	hierarchy	NOUN
gujaf-364	245	3	is	be	AUX
gujaf-364	245	4	intuitive	intuitive	ADJ
gujaf-364	245	5	and	and	CCONJ
gujaf-364	245	6	well	well	ADV
gujaf-364	245	7	-	-	PUNCT
gujaf-364	245	8	grounded	ground	VERB
gujaf-364	245	9	in	in	ADP
gujaf-364	245	10	existing	exist	VERB
gujaf-364	245	11	literature	literature	NOUN
gujaf-364	245	12	:	:	PUNCT
gujaf-364	245	13	mobile	mobile	ADJ
gujaf-364	245	14	money	money	NOUN
gujaf-364	245	15	mobilizes	mobilize	VERB
gujaf-364	245	16	savings	saving	NOUN
gujaf-364	245	17	in	in	ADP
gujaf-364	245	18	financially	financially	ADV
gujaf-364	245	19	underserved	underserved	ADJ
gujaf-364	245	20	regions	region	NOUN
gujaf-364	245	21	(	(	PUNCT
gujaf-364	245	22	ibrahim	ibrahim	NOUN
gujaf-364	245	23	et	et	PROPN
gujaf-364	245	24	al	al	PROPN
gujaf-364	245	25	.	.	PROPN
gujaf-364	245	26	,	,	PUNCT
gujaf-364	245	27	2024	2024	NUM
gujaf-364	245	28	)	)	PUNCT
gujaf-364	245	29	,	,	PUNCT
gujaf-364	245	30	while	while	SCONJ
gujaf-364	245	31	digital	digital	ADJ
gujaf-364	245	32	lending	lending	NOUN
gujaf-364	245	33	provides	provide	VERB
gujaf-364	245	34	sustained	sustained	ADJ
gujaf-364	245	35	capital	capital	NOUN
gujaf-364	245	36	,	,	PUNCT
gujaf-364	245	37	and	and	CCONJ
gujaf-364	245	38	crowdfunding	crowdfunding	NOUN
gujaf-364	245	39	fosters	foster	VERB
gujaf-364	245	40	community	community	NOUN
gujaf-364	245	41	engagement	engagement	NOUN
gujaf-364	245	42	and	and	CCONJ
gujaf-364	245	43	project	project	NOUN
gujaf-364	245	44	visibility	visibility	NOUN
gujaf-364	245	45	,	,	PUNCT
gujaf-364	245	46	albeit	albeit	SCONJ
gujaf-364	245	47	with	with	ADP
gujaf-364	245	48	smaller	small	ADJ
gujaf-364	245	49	scale	scale	NOUN
gujaf-364	245	50	.	.	PUNCT
gujaf-364	246	1	hypothesis	hypothesis	NOUN
gujaf-364	246	2	three	three	NUM
gujaf-364	246	3	explored	explore	VERB
gujaf-364	246	4	the	the	DET
gujaf-364	246	5	moderating	moderate	VERB
gujaf-364	246	6	role	role	NOUN
gujaf-364	246	7	of	of	ADP
gujaf-364	246	8	institutional	institutional	ADJ
gujaf-364	246	9	quality	quality	NOUN
gujaf-364	246	10	and	and	CCONJ
gujaf-364	246	11	financial	financial	ADJ
gujaf-364	246	12	depth	depth	NOUN
gujaf-364	246	13	.	.	PUNCT
gujaf-364	247	1	the	the	DET
gujaf-364	247	2	positive	positive	ADJ
gujaf-364	247	3	and	and	CCONJ
gujaf-364	247	4	significant	significant	ADJ
gujaf-364	247	5	coefficients	coefficient	NOUN
gujaf-364	247	6	for	for	ADP
gujaf-364	247	7	institutional	institutional	ADJ
gujaf-364	247	8	quality	quality	NOUN
gujaf-364	247	9	and	and	CCONJ
gujaf-364	247	10	financial	financial	ADJ
gujaf-364	247	11	depth	depth	NOUN
gujaf-364	247	12	underscore	underscore	NOUN
gujaf-364	247	13	that	that	DET
gujaf-364	247	14	fintech	fintech	NOUN
gujaf-364	247	15	’s	’s	PART
gujaf-364	247	16	effectiveness	effectiveness	NOUN
gujaf-364	247	17	in	in	ADP
gujaf-364	247	18	driving	drive	VERB
gujaf-364	247	19	green	green	ADJ
gujaf-364	247	20	investment	investment	NOUN
gujaf-364	247	21	critically	critically	ADV
gujaf-364	247	22	depends	depend	VERB
gujaf-364	247	23	on	on	ADP
gujaf-364	247	24	strong	strong	ADJ
gujaf-364	247	25	governance	governance	NOUN
gujaf-364	247	26	and	and	CCONJ
gujaf-364	247	27	mature	mature	VERB
gujaf-364	247	28	financial	financial	ADJ
gujaf-364	247	29	systems	system	NOUN
gujaf-364	247	30	.	.	PUNCT
gujaf-364	248	1	this	this	DET
gujaf-364	248	2	mirrors	mirror	NOUN
gujaf-364	248	3	findings	finding	VERB
gujaf-364	248	4	in	in	ADP
gujaf-364	248	5	metawa	metawa	PROPN
gujaf-364	248	6	et	et	PROPN
gujaf-364	248	7	al	al	PROPN
gujaf-364	248	8	.	.	PROPN
gujaf-364	249	1	(	(	PUNCT
gujaf-364	249	2	2024	2024	NUM
gujaf-364	249	3	)	)	PUNCT
gujaf-364	249	4	,	,	PUNCT
gujaf-364	249	5	who	who	PRON
gujaf-364	249	6	emphasised	emphasise	VERB
gujaf-364	249	7	that	that	DET
gujaf-364	249	8	fintech	fintech	NOUN
gujaf-364	249	9	’s	’s	PART
gujaf-364	249	10	environmental	environmental	ADJ
gujaf-364	249	11	impact	impact	NOUN
gujaf-364	249	12	is	be	AUX
gujaf-364	249	13	amplified	amplify	VERB
gujaf-364	249	14	in	in	ADP
gujaf-364	249	15	robust	robust	ADJ
gujaf-364	249	16	regulatory	regulatory	ADJ
gujaf-364	249	17	environments	environment	NOUN
gujaf-364	249	18	.	.	PUNCT
gujaf-364	250	1	we	we	PRON
gujaf-364	250	2	also	also	ADV
gujaf-364	250	3	hypothesized	hypothesize	VERB
gujaf-364	250	4	that	that	SCONJ
gujaf-364	250	5	macro	macro	ADJ
gujaf-364	250	6	-	-	ADJ
gujaf-364	250	7	economic	economic	ADJ
gujaf-364	250	8	stability	stability	NOUN
gujaf-364	250	9	(	(	PUNCT
gujaf-364	250	10	gdp	gdp	NOUN
gujaf-364	250	11	per	per	ADP
gujaf-364	250	12	capita	capita	NOUN
gujaf-364	250	13	,	,	PUNCT
gujaf-364	250	14	electricity	electricity	NOUN
gujaf-364	250	15	access	access	NOUN
gujaf-364	250	16	)	)	PUNCT
gujaf-364	250	17	boosts	boost	VERB
gujaf-364	250	18	renewable	renewable	ADJ
gujaf-364	250	19	investment	investment	NOUN
gujaf-364	250	20	.	.	PUNCT
gujaf-364	251	1	the	the	DET
gujaf-364	251	2	modelling	modelling	NOUN
gujaf-364	251	3	confirms	confirm	VERB
gujaf-364	251	4	this	this	PRON
gujaf-364	251	5	,	,	PUNCT
gujaf-364	251	6	with	with	ADP
gujaf-364	251	7	significant	significant	ADJ
gujaf-364	251	8	positive	positive	ADJ
gujaf-364	251	9	coefficients	coefficient	NOUN
gujaf-364	251	10	for	for	ADP
gujaf-364	251	11	gdp	gdp	NOUN
gujaf-364	251	12	per	per	ADP
gujaf-364	251	13	capita	capita	NOUN
gujaf-364	251	14	and	and	CCONJ
gujaf-364	251	15	electricity	electricity	NOUN
gujaf-364	251	16	access	access	NOUN
gujaf-364	251	17	these	these	DET
gujaf-364	251	18	reflect	reflect	VERB
gujaf-364	251	19	well	well	ADV
gujaf-364	251	20	-	-	PUNCT
gujaf-364	251	21	established	establish	VERB
gujaf-364	251	22	growth	growth	NOUN
gujaf-364	251	23	investment	investment	NOUN
gujaf-364	251	24	linkages	linkage	NOUN
gujaf-364	251	25	:	:	PUNCT
gujaf-364	251	26	wealthier	wealthy	ADJ
gujaf-364	251	27	economies	economy	NOUN
gujaf-364	251	28	with	with	ADP
gujaf-364	251	29	reliable	reliable	ADJ
gujaf-364	251	30	energy	energy	NOUN
gujaf-364	251	31	infrastructure	infrastructure	NOUN
gujaf-364	251	32	are	be	AUX
gujaf-364	251	33	better	well	ADV
gujaf-364	251	34	positioned	position	VERB
gujaf-364	251	35	to	to	AUX
gujaf-364	251	36	leverage	leverage	VERB
gujaf-364	251	37	fintech	fintech	NOUN
gujaf-364	251	38	for	for	ADP
gujaf-364	251	39	sustainable	sustainable	ADJ
gujaf-364	251	40	investments	investment	NOUN
gujaf-364	251	41	.	.	PUNCT
gujaf-364	252	1	such	such	ADJ
gujaf-364	252	2	relationships	relationship	NOUN
gujaf-364	252	3	echo	echo	VERB
gujaf-364	252	4	global	global	ADJ
gujaf-364	252	5	investment	investment	NOUN
gujaf-364	252	6	trends	trend	NOUN
gujaf-364	252	7	underscored	underscore	VERB
gujaf-364	252	8	by	by	ADP
gujaf-364	252	9	irena	irena	NOUN
gujaf-364	252	10	and	and	CCONJ
gujaf-364	252	11	ft	ft	NOUN
gujaf-364	252	12	analyses	analysis	NOUN
gujaf-364	252	13	showing	show	VERB
gujaf-364	252	14	faster	fast	ADJ
gujaf-364	252	15	renewables	renewable	NOUN
gujaf-364	252	16	growth	growth	NOUN
gujaf-364	252	17	in	in	ADP
gujaf-364	252	18	emerging	emerge	VERB
gujaf-364	252	19	markets	market	NOUN
gujaf-364	252	20	driven	drive	VERB
gujaf-364	252	21	by	by	ADP
gujaf-364	252	22	foundational	foundational	ADJ
gujaf-364	252	23	infrastructure	infrastructure	NOUN
gujaf-364	252	24	and	and	CCONJ
gujaf-364	252	25	cost	cost	NOUN
gujaf-364	252	26	competitiveness	competitiveness	NOUN
gujaf-364	252	27	.	.	PUNCT
gujaf-364	253	1	another	another	DET
gujaf-364	253	2	hypothesis	hypothesis	NOUN
gujaf-364	253	3	proposed	propose	VERB
gujaf-364	253	4	that	that	SCONJ
gujaf-364	253	5	inflation	inflation	NOUN
gujaf-364	253	6	negatively	negatively	ADV
gujaf-364	253	7	affects	affect	VERB
gujaf-364	253	8	renewable	renewable	ADJ
gujaf-364	253	9	energy	energy	NOUN
gujaf-364	253	10	investment	investment	NOUN
gujaf-364	253	11	by	by	ADP
gujaf-364	253	12	raising	raise	VERB
gujaf-364	253	13	financing	financing	NOUN
gujaf-364	253	14	costs	cost	NOUN
gujaf-364	253	15	.	.	PUNCT
gujaf-364	254	1	the	the	DET
gujaf-364	254	2	model	model	NOUN
gujaf-364	254	3	aligns	align	VERB
gujaf-364	254	4	with	with	ADP
gujaf-364	254	5	this	this	PRON
gujaf-364	254	6	,	,	PUNCT
gujaf-364	254	7	with	with	ADP
gujaf-364	254	8	inflation	inflation	NOUN
gujaf-364	254	9	negatively	negatively	ADV
gujaf-364	254	10	associated	associate	VERB
gujaf-364	254	11	.	.	PUNCT
gujaf-364	255	1	this	this	PRON
gujaf-364	255	2	is	be	AUX
gujaf-364	255	3	consistent	consistent	ADJ
gujaf-364	255	4	with	with	ADP
gujaf-364	255	5	macroeconomic	macroeconomic	ADJ
gujaf-364	255	6	theory	theory	NOUN
gujaf-364	255	7	and	and	CCONJ
gujaf-364	255	8	previous	previous	ADJ
gujaf-364	255	9	empirical	empirical	ADJ
gujaf-364	255	10	work	work	NOUN
gujaf-364	255	11	demonstrating	demonstrate	VERB
gujaf-364	255	12	that	that	SCONJ
gujaf-364	255	13	inflationary	inflationary	ADJ
gujaf-364	255	14	pressures	pressure	NOUN
gujaf-364	255	15	erode	erode	VERB
gujaf-364	255	16	the	the	DET
gujaf-364	255	17	affordability	affordability	NOUN
gujaf-364	255	18	and	and	CCONJ
gujaf-364	255	19	long	long	ADJ
gujaf-364	255	20	-	-	PUNCT
gujaf-364	255	21	term	term	NOUN
gujaf-364	255	22	viability	viability	NOUN
gujaf-364	255	23	of	of	ADP
gujaf-364	255	24	capital	capital	NOUN
gujaf-364	255	25	-	-	PUNCT
gujaf-364	255	26	intensive	intensive	ADJ
gujaf-364	255	27	green	green	ADJ
gujaf-364	255	28	projects	project	NOUN
gujaf-364	255	29	.	.	PUNCT
gujaf-364	256	1	finally	finally	ADV
gujaf-364	256	2	,	,	PUNCT
gujaf-364	256	3	we	we	PRON
gujaf-364	256	4	tested	test	VERB
gujaf-364	256	5	whether	whether	SCONJ
gujaf-364	256	6	our	our	PRON
gujaf-364	256	7	results	result	NOUN
gujaf-364	256	8	are	be	AUX
gujaf-364	256	9	robust	robust	ADJ
gujaf-364	256	10	across	across	ADP
gujaf-364	256	11	alternative	alternative	ADJ
gujaf-364	256	12	fintech	fintech	NOUN
gujaf-364	256	13	specifications	specification	NOUN
gujaf-364	256	14	,	,	PUNCT
gujaf-364	256	15	including	include	VERB
gujaf-364	256	16	excluding	exclude	VERB
gujaf-364	256	17	crowdfunding	crowdfunding	NOUN
gujaf-364	256	18	and	and	CCONJ
gujaf-364	256	19	including	include	VERB
gujaf-364	256	20	lagged	lag	VERB
gujaf-364	256	21	reinv	reinv	VERB
gujaf-364	256	22	.	.	PUNCT
gujaf-364	257	1	the	the	DET
gujaf-364	257	2	consistency	consistency	NOUN
gujaf-364	257	3	of	of	ADP
gujaf-364	257	4	the	the	DET
gujaf-364	257	5	fpi	fpi	PROPN
gujaf-364	257	6	coefficient	coefficient	NOUN
gujaf-364	257	7	(	(	PUNCT
gujaf-364	257	8	0.472	0.472	NUM
gujaf-364	257	9	-	-	PUNCT
gujaf-364	257	10	0.524	0.524	NUM
gujaf-364	257	11	)	)	PUNCT
gujaf-364	257	12	and	and	CCONJ
gujaf-364	257	13	stable	stable	ADJ
gujaf-364	257	14	adjusted	adjust	VERB
gujaf-364	257	15	r²	r²	NOUN
gujaf-364	257	16	(	(	PUNCT
gujaf-364	257	17	0.65	0.65	NUM
gujaf-364	257	18	-	-	PUNCT
gujaf-364	257	19	0.681	0.681	NUM
gujaf-364	257	20	)	)	PUNCT
gujaf-364	257	21	confirm	confirm	VERB
gujaf-364	257	22	robustness	robustness	NOUN
gujaf-364	257	23	.	.	PUNCT
gujaf-364	258	1	dropping	drop	VERB
gujaf-364	258	2	crowdfunding	crowdfunding	NOUN
gujaf-364	258	3	has	have	VERB
gujaf-364	258	4	minimal	minimal	ADJ
gujaf-364	258	5	impact	impact	NOUN
gujaf-364	258	6	,	,	PUNCT
gujaf-364	258	7	suggesting	suggest	VERB
gujaf-364	258	8	that	that	SCONJ
gujaf-364	258	9	while	while	SCONJ
gujaf-364	258	10	community	community	NOUN
gujaf-364	258	11	finance	finance	NOUN
gujaf-364	258	12	plays	play	VERB
gujaf-364	258	13	a	a	DET
gujaf-364	258	14	role	role	NOUN
gujaf-364	258	15	,	,	PUNCT
gujaf-364	258	16	broader	broad	ADJ
gujaf-364	258	17	fintech	fintech	NOUN
gujaf-364	258	18	platforms	platform	NOUN
gujaf-364	258	19	drive	drive	VERB
gujaf-364	258	20	the	the	DET
gujaf-364	258	21	lion	lion	NOUN
gujaf-364	258	22	’s	’s	PART
gujaf-364	258	23	share	share	NOUN
gujaf-364	258	24	of	of	ADP
gujaf-364	258	25	green	green	ADJ
gujaf-364	258	26	investment	investment	NOUN
gujaf-364	258	27	.	.	PUNCT
gujaf-364	259	1	this	this	DET
gujaf-364	259	2	finding	finding	NOUN
gujaf-364	259	3	aligns	align	VERB
gujaf-364	259	4	with	with	ADP
gujaf-364	259	5	recent	recent	ADJ
gujaf-364	259	6	literature	literature	NOUN
gujaf-364	259	7	highlighting	highlight	VERB
gujaf-364	259	8	the	the	DET
gujaf-364	259	9	need	need	NOUN
gujaf-364	259	10	to	to	PART
gujaf-364	259	11	scale	scale	VERB
gujaf-364	259	12	fintech	fintech	NOUN
gujaf-364	259	13	ecosystems	ecosystem	NOUN
gujaf-364	259	14	rather	rather	ADV
gujaf-364	259	15	than	than	ADP
gujaf-364	259	16	focusing	focus	VERB
gujaf-364	259	17	solely	solely	ADV
gujaf-364	259	18	on	on	ADP
gujaf-364	259	19	niche	niche	NOUN
gujaf-364	259	20	instruments	instrument	NOUN
gujaf-364	259	21	.	.	PUNCT
gujaf-364	260	1	first	first	ADV
gujaf-364	260	2	,	,	PUNCT
gujaf-364	260	3	building	build	VERB
gujaf-364	260	4	and	and	CCONJ
gujaf-364	260	5	strengthening	strengthen	VERB
gujaf-364	260	6	digital	digital	ADJ
gujaf-364	260	7	infrastructure	infrastructure	NOUN
gujaf-364	260	8	is	be	AUX
gujaf-364	260	9	crucial	crucial	ADJ
gujaf-364	260	10	to	to	ADP
gujaf-364	260	11	unlocking	unlock	VERB
gujaf-364	260	12	fintech	fintech	NOUN
gujaf-364	260	13	’s	’s	PART
gujaf-364	260	14	potential	potential	NOUN
gujaf-364	260	15	in	in	ADP
gujaf-364	260	16	green	green	ADJ
gujaf-364	260	17	finance	finance	NOUN
gujaf-364	260	18	.	.	PUNCT
gujaf-364	261	1	the	the	DET
gujaf-364	261	2	strong	strong	ADJ
gujaf-364	261	3	positive	positive	ADJ
gujaf-364	261	4	association	association	NOUN
gujaf-364	261	5	between	between	ADP
gujaf-364	261	6	fintech	fintech	NOUN
gujaf-364	261	7	penetration	penetration	NOUN
gujaf-364	261	8	and	and	CCONJ
gujaf-364	261	9	renewable	renewable	ADJ
gujaf-364	261	10	energy	energy	NOUN
gujaf-364	261	11	investment	investment	NOUN
gujaf-364	261	12	suggests	suggest	VERB
gujaf-364	261	13	that	that	SCONJ
gujaf-364	261	14	robust	robust	ADJ
gujaf-364	261	15	broadband	broadband	NOUN
gujaf-364	261	16	and	and	CCONJ
gujaf-364	261	17	mobile	mobile	NOUN
gujaf-364	261	18	connectivity	connectivity	NOUN
gujaf-364	261	19	form	form	NOUN
gujaf-364	261	20	the	the	DET
gujaf-364	261	21	backbone	backbone	NOUN
gujaf-364	261	22	of	of	ADP
gujaf-364	261	23	climate	climate	NOUN
gujaf-364	261	24	-	-	PUNCT
gujaf-364	261	25	smart	smart	ADJ
gujaf-364	261	26	financial	financial	ADJ
gujaf-364	261	27	services	service	NOUN
gujaf-364	261	28	.	.	PUNCT
gujaf-364	262	1	regulatory	regulatory	ADJ
gujaf-364	262	2	sandboxes	sandbox	NOUN
gujaf-364	262	3	,	,	PUNCT
gujaf-364	262	4	such	such	ADJ
gujaf-364	262	5	as	as	ADP
gujaf-364	262	6	those	those	PRON
gujaf-364	262	7	pioneered	pioneer	VERB
gujaf-364	262	8	by	by	ADP
gujaf-364	262	9	the	the	DET
gujaf-364	262	10	monetary	monetary	ADJ
gujaf-364	262	11	authority	authority	NOUN
gujaf-364	262	12	of	of	ADP
gujaf-364	262	13	singapore	singapore	PROPN
gujaf-364	262	14	’s	’s	PART
gujaf-364	262	15	apix	apix	ADJ
gujaf-364	262	16	platform	platform	NOUN
gujaf-364	262	17	and	and	CCONJ
gujaf-364	262	18	supported	support	VERB
gujaf-364	262	19	by	by	ADP
gujaf-364	262	20	afi	afi	PROPN
gujaf-364	262	21	,	,	PUNCT
gujaf-364	262	22	offer	offer	VERB
gujaf-364	262	23	controlled	control	VERB
gujaf-364	262	24	environments	environment	NOUN
gujaf-364	262	25	to	to	PART
gujaf-364	262	26	pilot	pilot	VERB
gujaf-364	262	27	innovative	innovative	ADJ
gujaf-364	262	28	fintech	fintech	NOUN
gujaf-364	262	29	green	green	ADJ
gujaf-364	262	30	finance	finance	NOUN
gujaf-364	262	31	models	model	NOUN
gujaf-364	262	32	.	.	PUNCT
gujaf-364	263	1	these	these	DET
gujaf-364	263	2	initiatives	initiative	NOUN
gujaf-364	263	3	can	can	AUX
gujaf-364	263	4	accelerate	accelerate	VERB
gujaf-364	263	5	product	product	NOUN
gujaf-364	263	6	development	development	NOUN
gujaf-364	263	7	,	,	PUNCT
gujaf-364	263	8	such	such	ADJ
gujaf-364	263	9	as	as	ADP
gujaf-364	263	10	pay	pay	NOUN
gujaf-364	263	11	-	-	PUNCT
gujaf-364	263	12	as	as	ADP
gujaf-364	263	13	-	-	PUNCT
gujaf-364	263	14	you	you	PRON
gujaf-364	263	15	-	-	PUNCT
gujaf-364	263	16	go	go	VERB
gujaf-364	263	17	solar	solar	ADJ
gujaf-364	263	18	lending	lending	NOUN
gujaf-364	263	19	,	,	PUNCT
gujaf-364	263	20	while	while	SCONJ
gujaf-364	263	21	enabling	enable	VERB
gujaf-364	263	22	policymakers	policymaker	NOUN
gujaf-364	263	23	to	to	PART
gujaf-364	263	24	calibrate	calibrate	VERB
gujaf-364	263	25	consumer	consumer	NOUN
gujaf-364	263	26	protection	protection	NOUN
gujaf-364	263	27	and	and	CCONJ
gujaf-364	263	28	systemic	systemic	ADJ
gujaf-364	263	29	risk	risk	NOUN
gujaf-364	263	30	safeguards	safeguard	NOUN
gujaf-364	263	31	.	.	PUNCT
gujaf-364	264	1	gusau	gusau	ADJ
gujaf-364	264	2	journal	journal	PROPN
gujaf-364	264	3	of	of	ADP
gujaf-364	264	4	accounting	accounting	NOUN
gujaf-364	264	5	and	and	CCONJ
gujaf-364	264	6	finance	finance	NOUN
gujaf-364	264	7	,	,	PUNCT
gujaf-364	264	8	vol.6	vol.6	PROPN
gujaf-364	264	9	,	,	PUNCT
gujaf-364	264	10	issue	issue	NOUN
gujaf-364	264	11	1	1	NUM
gujaf-364	264	12	,	,	PUNCT
gujaf-364	264	13	april	april	PROPN
gujaf-364	264	14	,	,	PUNCT
gujaf-364	264	15	2025	2025	NUM
gujaf-364	264	16	13	13	NUM
gujaf-364	264	17	second	second	NOUN
gujaf-364	264	18	,	,	PUNCT
gujaf-364	264	19	a	a	DET
gujaf-364	264	20	cohesive	cohesive	ADJ
gujaf-364	264	21	national	national	ADJ
gujaf-364	264	22	strategy	strategy	NOUN
gujaf-364	264	23	linking	link	VERB
gujaf-364	264	24	fintech	fintech	NOUN
gujaf-364	264	25	and	and	CCONJ
gujaf-364	264	26	green	green	ADJ
gujaf-364	264	27	finance	finance	NOUN
gujaf-364	264	28	is	be	AUX
gujaf-364	264	29	essential	essential	ADJ
gujaf-364	264	30	.	.	PUNCT
gujaf-364	265	1	rather	rather	ADV
gujaf-364	265	2	than	than	ADP
gujaf-364	265	3	fragmented	fragmented	ADJ
gujaf-364	265	4	initiatives	initiative	NOUN
gujaf-364	265	5	,	,	PUNCT
gujaf-364	265	6	governments	government	NOUN
gujaf-364	265	7	should	should	AUX
gujaf-364	265	8	implement	implement	VERB
gujaf-364	265	9	integrated	integrated	ADJ
gujaf-364	265	10	frameworks	framework	NOUN
gujaf-364	265	11	that	that	PRON
gujaf-364	265	12	align	align	VERB
gujaf-364	265	13	digital	digital	ADJ
gujaf-364	265	14	finance	finance	NOUN
gujaf-364	265	15	platforms	platform	NOUN
gujaf-364	265	16	with	with	ADP
gujaf-364	265	17	green	green	ADJ
gujaf-364	265	18	product	product	NOUN
gujaf-364	265	19	standards	standard	NOUN
gujaf-364	265	20	,	,	PUNCT
gujaf-364	265	21	including	include	VERB
gujaf-364	265	22	tax	tax	NOUN
gujaf-364	265	23	incentives	incentive	NOUN
gujaf-364	265	24	,	,	PUNCT
gujaf-364	265	25	green	green	ADJ
gujaf-364	265	26	bonds	bond	NOUN
gujaf-364	265	27	,	,	PUNCT
gujaf-364	265	28	and	and	CCONJ
gujaf-364	265	29	subsidized	subsidized	ADJ
gujaf-364	265	30	loans	loan	NOUN
gujaf-364	265	31	.	.	PUNCT
gujaf-364	266	1	the	the	DET
gujaf-364	266	2	alliance	alliance	NOUN
gujaf-364	266	3	for	for	ADP
gujaf-364	266	4	financial	financial	ADJ
gujaf-364	266	5	inclusion	inclusion	NOUN
gujaf-364	266	6	’s	’s	PART
gujaf-364	266	7	guide	guide	NOUN
gujaf-364	266	8	on	on	ADP
gujaf-364	266	9	leveraging	leverage	VERB
gujaf-364	266	10	digital	digital	ADJ
gujaf-364	266	11	financial	financial	ADJ
gujaf-364	266	12	services	service	NOUN
gujaf-364	266	13	for	for	ADP
gujaf-364	266	14	inclusive	inclusive	ADJ
gujaf-364	266	15	green	green	ADJ
gujaf-364	266	16	finance	finance	NOUN
gujaf-364	266	17	emphasizes	emphasize	VERB
gujaf-364	266	18	that	that	SCONJ
gujaf-364	266	19	policy	policy	NOUN
gujaf-364	266	20	coherence	coherence	NOUN
gujaf-364	266	21	enhances	enhance	VERB
gujaf-364	266	22	scalability	scalability	NOUN
gujaf-364	266	23	and	and	CCONJ
gujaf-364	266	24	impact	impact	NOUN
gujaf-364	266	25	.	.	PUNCT
gujaf-364	267	1	an	an	DET
gujaf-364	267	2	orchestrated	orchestrated	ADJ
gujaf-364	267	3	strategy	strategy	NOUN
gujaf-364	267	4	also	also	ADV
gujaf-364	267	5	encourages	encourage	VERB
gujaf-364	267	6	public	public	ADJ
gujaf-364	267	7	private	private	ADJ
gujaf-364	267	8	collaboration	collaboration	NOUN
gujaf-364	267	9	:	:	PUNCT
gujaf-364	267	10	fintech	fintech	NOUN
gujaf-364	267	11	firms	firm	NOUN
gujaf-364	267	12	can	can	AUX
gujaf-364	267	13	meet	meet	VERB
gujaf-364	267	14	established	establish	VERB
gujaf-364	267	15	green	green	ADJ
gujaf-364	267	16	investment	investment	NOUN
gujaf-364	267	17	needs	need	NOUN
gujaf-364	267	18	,	,	PUNCT
gujaf-364	267	19	while	while	SCONJ
gujaf-364	267	20	regulators	regulator	NOUN
gujaf-364	267	21	ensure	ensure	VERB
gujaf-364	267	22	transparency	transparency	NOUN
gujaf-364	267	23	and	and	CCONJ
gujaf-364	267	24	fraud	fraud	NOUN
gujaf-364	267	25	prevention	prevention	NOUN
gujaf-364	267	26	.	.	PUNCT
gujaf-364	268	1	third	third	ADJ
gujaf-364	268	2	,	,	PUNCT
gujaf-364	268	3	governance	governance	NOUN
gujaf-364	268	4	reforms	reform	NOUN
gujaf-364	268	5	are	be	AUX
gujaf-364	268	6	necessary	necessary	ADJ
gujaf-364	268	7	to	to	PART
gujaf-364	268	8	amplify	amplify	VERB
gujaf-364	268	9	fintech	fintech	NOUN
gujaf-364	268	10	’s	’s	PART
gujaf-364	268	11	green	green	ADJ
gujaf-364	268	12	finance	finance	NOUN
gujaf-364	268	13	impact	impact	NOUN
gujaf-364	268	14	.	.	PUNCT
gujaf-364	269	1	the	the	DET
gujaf-364	269	2	empirical	empirical	ADJ
gujaf-364	269	3	success	success	NOUN
gujaf-364	269	4	of	of	ADP
gujaf-364	269	5	fintech	fintech	NOUN
gujaf-364	269	6	in	in	ADP
gujaf-364	269	7	countries	country	NOUN
gujaf-364	269	8	with	with	ADP
gujaf-364	269	9	stronger	strong	ADJ
gujaf-364	269	10	institutions	institution	NOUN
gujaf-364	269	11	indicates	indicate	VERB
gujaf-364	269	12	that	that	SCONJ
gujaf-364	269	13	digital	digital	ADJ
gujaf-364	269	14	finance	finance	NOUN
gujaf-364	269	15	alone	alone	ADV
gujaf-364	269	16	is	be	AUX
gujaf-364	269	17	insufficient	insufficient	ADJ
gujaf-364	269	18	.	.	PUNCT
gujaf-364	270	1	streamlined	streamlined	ADJ
gujaf-364	270	2	licensing	licensing	NOUN
gujaf-364	270	3	,	,	PUNCT
gujaf-364	270	4	transparent	transparent	ADJ
gujaf-364	270	5	platform	platform	NOUN
gujaf-364	270	6	governance	governance	NOUN
gujaf-364	270	7	,	,	PUNCT
gujaf-364	270	8	and	and	CCONJ
gujaf-364	270	9	contract	contract	NOUN
gujaf-364	270	10	enforceability	enforceability	NOUN
gujaf-364	270	11	foster	foster	PROPN
gujaf-364	270	12	trust	trust	PROPN
gujaf-364	270	13	,	,	PUNCT
gujaf-364	270	14	reduce	reduce	VERB
gujaf-364	270	15	uncertainty	uncertainty	NOUN
gujaf-364	270	16	,	,	PUNCT
gujaf-364	270	17	and	and	CCONJ
gujaf-364	270	18	encourage	encourage	VERB
gujaf-364	270	19	long	long	ADJ
gujaf-364	270	20	-	-	PUNCT
gujaf-364	270	21	term	term	NOUN
gujaf-364	270	22	green	green	ADJ
gujaf-364	270	23	investment	investment	NOUN
gujaf-364	270	24	.	.	PUNCT
gujaf-364	271	1	central	central	ADJ
gujaf-364	271	2	banks	bank	NOUN
gujaf-364	271	3	and	and	CCONJ
gujaf-364	271	4	financial	financial	ADJ
gujaf-364	271	5	regulators	regulator	NOUN
gujaf-364	271	6	,	,	PUNCT
gujaf-364	271	7	such	such	ADJ
gujaf-364	271	8	as	as	ADP
gujaf-364	271	9	those	those	PRON
gujaf-364	271	10	in	in	ADP
gujaf-364	271	11	the	the	DET
gujaf-364	271	12	ngfs	ngfs	NOUN
gujaf-364	271	13	,	,	PUNCT
gujaf-364	271	14	can	can	AUX
gujaf-364	271	15	embed	embed	VERB
gujaf-364	271	16	environmental	environmental	ADJ
gujaf-364	271	17	risk	risk	NOUN
gujaf-364	271	18	assessments	assessment	NOUN
gujaf-364	271	19	into	into	ADP
gujaf-364	271	20	supervisory	supervisory	ADJ
gujaf-364	271	21	frameworks	framework	NOUN
gujaf-364	271	22	,	,	PUNCT
gujaf-364	271	23	guiding	guide	VERB
gujaf-364	271	24	fintechs	fintech	NOUN
gujaf-364	271	25	toward	toward	ADP
gujaf-364	271	26	climate	climate	NOUN
gujaf-364	271	27	-	-	PUNCT
gujaf-364	271	28	aligned	align	VERB
gujaf-364	271	29	lending	lending	NOUN
gujaf-364	271	30	and	and	CCONJ
gujaf-364	271	31	investment	investment	NOUN
gujaf-364	271	32	practices	practice	NOUN
gujaf-364	271	33	.	.	PUNCT
gujaf-364	272	1	fourth	fourth	ADJ
gujaf-364	272	2	,	,	PUNCT
gujaf-364	272	3	public	public	ADJ
gujaf-364	272	4	private	private	ADJ
gujaf-364	272	5	funding	funding	NOUN
gujaf-364	272	6	models	model	NOUN
gujaf-364	272	7	can	can	AUX
gujaf-364	272	8	bridge	bridge	VERB
gujaf-364	272	9	capital	capital	NOUN
gujaf-364	272	10	gaps	gap	NOUN
gujaf-364	272	11	in	in	ADP
gujaf-364	272	12	developing	develop	VERB
gujaf-364	272	13	economies	economy	NOUN
gujaf-364	272	14	.	.	PUNCT
gujaf-364	273	1	given	give	VERB
gujaf-364	273	2	the	the	DET
gujaf-364	273	3	limited	limited	ADJ
gujaf-364	273	4	private	private	ADJ
gujaf-364	273	5	-	-	PUNCT
gujaf-364	273	6	green	green	ADJ
gujaf-364	273	7	investment	investment	NOUN
gujaf-364	273	8	flows	flow	VERB
gujaf-364	273	9	to	to	ADP
gujaf-364	273	10	low	low	ADJ
gujaf-364	273	11	-	-	PUNCT
gujaf-364	273	12	income	income	NOUN
gujaf-364	273	13	nations	nation	NOUN
gujaf-364	273	14	,	,	PUNCT
gujaf-364	273	15	blended	blend	VERB
gujaf-364	273	16	finance	finance	NOUN
gujaf-364	273	17	instruments	instrument	NOUN
gujaf-364	273	18	,	,	PUNCT
gujaf-364	273	19	such	such	ADJ
gujaf-364	273	20	as	as	ADP
gujaf-364	273	21	partial	partial	ADJ
gujaf-364	273	22	credit	credit	NOUN
gujaf-364	273	23	guarantees	guarantee	NOUN
gujaf-364	273	24	,	,	PUNCT
gujaf-364	273	25	concessional	concessional	ADJ
gujaf-364	273	26	loans	loan	NOUN
gujaf-364	273	27	from	from	ADP
gujaf-364	273	28	climate	climate	NOUN
gujaf-364	273	29	funds	fund	NOUN
gujaf-364	273	30	,	,	PUNCT
gujaf-364	273	31	and	and	CCONJ
gujaf-364	273	32	first	first	ADJ
gujaf-364	273	33	-	-	PUNCT
gujaf-364	273	34	loss	loss	NOUN
gujaf-364	273	35	reserves	reserve	NOUN
gujaf-364	273	36	,	,	PUNCT
gujaf-364	273	37	can	can	AUX
gujaf-364	273	38	encourage	encourage	VERB
gujaf-364	273	39	fintech	fintech	NOUN
gujaf-364	273	40	platforms	platform	NOUN
gujaf-364	273	41	to	to	PART
gujaf-364	273	42	finance	finance	VERB
gujaf-364	273	43	renewable	renewable	ADJ
gujaf-364	273	44	energy	energy	NOUN
gujaf-364	273	45	initiatives	initiative	NOUN
gujaf-364	273	46	in	in	ADP
gujaf-364	273	47	less	less	ADV
gujaf-364	273	48	commercially	commercially	ADV
gujaf-364	273	49	viable	viable	ADJ
gujaf-364	273	50	markets	market	NOUN
gujaf-364	273	51	.	.	PUNCT
gujaf-364	274	1	for	for	ADP
gujaf-364	274	2	example	example	NOUN
gujaf-364	274	3	,	,	PUNCT
gujaf-364	274	4	kazakhstan	kazakhstan	PROPN
gujaf-364	274	5	’s	’s	PART
gujaf-364	274	6	aifc	aifc	NOUN
gujaf-364	274	7	green	green	ADJ
gujaf-364	274	8	finance	finance	NOUN
gujaf-364	274	9	centre	centre	NOUN
gujaf-364	274	10	demonstrates	demonstrate	VERB
gujaf-364	274	11	how	how	SCONJ
gujaf-364	274	12	certification	certification	NOUN
gujaf-364	274	13	and	and	CCONJ
gujaf-364	274	14	de	de	ADJ
gujaf-364	274	15	-	-	ADJ
gujaf-364	274	16	risking	risk	VERB
gujaf-364	274	17	tools	tool	NOUN
gujaf-364	274	18	can	can	AUX
gujaf-364	274	19	attract	attract	VERB
gujaf-364	274	20	international	international	ADJ
gujaf-364	274	21	investors	investor	NOUN
gujaf-364	274	22	toward	toward	ADP
gujaf-364	274	23	green	green	ADJ
gujaf-364	274	24	fintech	fintech	NOUN
gujaf-364	274	25	instruments	instrument	NOUN
gujaf-364	274	26	.	.	PUNCT
gujaf-364	275	1	fifth	fifth	ADJ
gujaf-364	275	2	,	,	PUNCT
gujaf-364	275	3	standardized	standardized	ADJ
gujaf-364	275	4	reporting	reporting	NOUN
gujaf-364	275	5	for	for	ADP
gujaf-364	275	6	fintech	fintech	NOUN
gujaf-364	275	7	-	-	PUNCT
gujaf-364	275	8	enabled	enable	VERB
gujaf-364	275	9	green	green	ADJ
gujaf-364	275	10	finance	finance	NOUN
gujaf-364	275	11	is	be	AUX
gujaf-364	275	12	imperative	imperative	ADJ
gujaf-364	275	13	to	to	PART
gujaf-364	275	14	ensure	ensure	VERB
gujaf-364	275	15	credibility	credibility	NOUN
gujaf-364	275	16	.	.	PUNCT
gujaf-364	276	1	leveraging	leverage	VERB
gujaf-364	276	2	frameworks	framework	NOUN
gujaf-364	276	3	like	like	ADP
gujaf-364	276	4	the	the	DET
gujaf-364	276	5	eu	eu	PROPN
gujaf-364	276	6	taxonomy	taxonomy	NOUN
gujaf-364	276	7	and	and	CCONJ
gujaf-364	276	8	incorporating	incorporate	VERB
gujaf-364	276	9	sustainability	sustainability	NOUN
gujaf-364	276	10	metrics	metric	NOUN
gujaf-364	276	11	into	into	ADP
gujaf-364	276	12	fintech	fintech	NOUN
gujaf-364	276	13	app	app	NOUN
gujaf-364	276	14	interfaces	interface	NOUN
gujaf-364	276	15	can	can	AUX
gujaf-364	276	16	improve	improve	VERB
gujaf-364	276	17	visibility	visibility	NOUN
gujaf-364	276	18	and	and	CCONJ
gujaf-364	276	19	accountability	accountability	NOUN
gujaf-364	276	20	.	.	PUNCT
gujaf-364	277	1	by	by	ADP
gujaf-364	277	2	adopting	adopt	VERB
gujaf-364	277	3	such	such	ADJ
gujaf-364	277	4	standards	standard	NOUN
gujaf-364	277	5	,	,	PUNCT
gujaf-364	277	6	fintech	fintech	NOUN
gujaf-364	277	7	platforms	platform	NOUN
gujaf-364	277	8	can	can	AUX
gujaf-364	277	9	avoid	avoid	VERB
gujaf-364	277	10	greenwashing	greenwashing	NOUN
gujaf-364	277	11	,	,	PUNCT
gujaf-364	277	12	simplify	simplify	VERB
gujaf-364	277	13	investor	investor	NOUN
gujaf-364	277	14	due	due	ADJ
gujaf-364	277	15	diligence	diligence	NOUN
gujaf-364	277	16	,	,	PUNCT
gujaf-364	277	17	and	and	CCONJ
gujaf-364	277	18	build	build	VERB
gujaf-364	277	19	user	user	NOUN
gujaf-364	277	20	trust	trust	PROPN
gujaf-364	277	21	.	.	PUNCT
gujaf-364	278	1	clear	clear	ADJ
gujaf-364	278	2	green	green	ADJ
gujaf-364	278	3	labels	label	NOUN
gujaf-364	278	4	may	may	AUX
gujaf-364	278	5	also	also	ADV
gujaf-364	278	6	stimulate	stimulate	VERB
gujaf-364	278	7	consumer	consumer	NOUN
gujaf-364	278	8	demand	demand	NOUN
gujaf-364	278	9	and	and	CCONJ
gujaf-364	278	10	encourage	encourage	VERB
gujaf-364	278	11	institutional	institutional	ADJ
gujaf-364	278	12	investors	investor	NOUN
gujaf-364	278	13	to	to	PART
gujaf-364	278	14	invest	invest	VERB
gujaf-364	278	15	through	through	ADP
gujaf-364	278	16	vetted	vet	VERB
gujaf-364	278	17	fintech	fintech	NOUN
gujaf-364	278	18	channels	channel	NOUN
gujaf-364	278	19	.	.	PUNCT
gujaf-364	279	1	finally	finally	ADV
gujaf-364	279	2	,	,	PUNCT
gujaf-364	279	3	inclusive	inclusive	ADJ
gujaf-364	279	4	financial	financial	ADJ
gujaf-364	279	5	education	education	NOUN
gujaf-364	279	6	must	must	AUX
gujaf-364	279	7	accompany	accompany	VERB
gujaf-364	279	8	fintech	fintech	NOUN
gujaf-364	279	9	rollout	rollout	NOUN
gujaf-364	279	10	.	.	PUNCT
gujaf-364	280	1	users	user	NOUN
gujaf-364	280	2	need	need	VERB
gujaf-364	280	3	to	to	PART
gujaf-364	280	4	understand	understand	VERB
gujaf-364	280	5	digital	digital	ADJ
gujaf-364	280	6	-	-	PUNCT
gujaf-364	280	7	green	green	ADJ
gujaf-364	280	8	products	product	NOUN
gujaf-364	280	9	how	how	SCONJ
gujaf-364	280	10	they	they	PRON
gujaf-364	280	11	operate	operate	VERB
gujaf-364	280	12	,	,	PUNCT
gujaf-364	280	13	their	their	PRON
gujaf-364	280	14	benefits	benefit	NOUN
gujaf-364	280	15	,	,	PUNCT
gujaf-364	280	16	and	and	CCONJ
gujaf-364	280	17	associated	associated	ADJ
gujaf-364	280	18	risks	risk	NOUN
gujaf-364	280	19	.	.	PUNCT
gujaf-364	281	1	governments	government	NOUN
gujaf-364	281	2	and	and	CCONJ
gujaf-364	281	3	ngos	ngo	NOUN
gujaf-364	281	4	should	should	AUX
gujaf-364	281	5	invest	invest	VERB
gujaf-364	281	6	in	in	ADP
gujaf-364	281	7	digital	digital	ADJ
gujaf-364	281	8	-	-	PUNCT
gujaf-364	281	9	literacy	literacy	NOUN
gujaf-364	281	10	campaigns	campaign	NOUN
gujaf-364	281	11	that	that	PRON
gujaf-364	281	12	combine	combine	VERB
gujaf-364	281	13	environmental	environmental	ADJ
gujaf-364	281	14	and	and	CCONJ
gujaf-364	281	15	financial	financial	ADJ
gujaf-364	281	16	education	education	NOUN
gujaf-364	281	17	,	,	PUNCT
gujaf-364	281	18	using	use	VERB
gujaf-364	281	19	fintech	fintech	NOUN
gujaf-364	281	20	apps	app	NOUN
gujaf-364	281	21	to	to	PART
gujaf-364	281	22	deliver	deliver	VERB
gujaf-364	281	23	interactive	interactive	ADJ
gujaf-364	281	24	training	training	NOUN
gujaf-364	281	25	modules	module	NOUN
gujaf-364	281	26	.	.	PUNCT
gujaf-364	282	1	greater	great	ADJ
gujaf-364	282	2	user	user	NOUN
gujaf-364	282	3	awareness	awareness	NOUN
gujaf-364	282	4	ensures	ensure	VERB
gujaf-364	282	5	widespread	widespread	ADJ
gujaf-364	282	6	adoption	adoption	NOUN
gujaf-364	282	7	,	,	PUNCT
gujaf-364	282	8	enhances	enhance	VERB
gujaf-364	282	9	product	product	NOUN
gujaf-364	282	10	uptake	uptake	NOUN
gujaf-364	282	11	,	,	PUNCT
gujaf-364	282	12	and	and	CCONJ
gujaf-364	282	13	strengthens	strengthen	VERB
gujaf-364	282	14	sustainable	sustainable	ADJ
gujaf-364	282	15	finance	finance	NOUN
gujaf-364	282	16	system	system	NOUN
gujaf-364	282	17	.	.	PUNCT
gujaf-364	283	1	5.0	5.0	NUM
gujaf-364	283	2	conclusions	conclusion	NOUN
gujaf-364	283	3	this	this	DET
gujaf-364	283	4	study	study	NOUN
gujaf-364	283	5	has	have	AUX
gujaf-364	283	6	empirically	empirically	ADV
gujaf-364	283	7	explored	explore	VERB
gujaf-364	283	8	the	the	DET
gujaf-364	283	9	nexus	nexus	NOUN
gujaf-364	283	10	between	between	ADP
gujaf-364	283	11	fintech	fintech	NOUN
gujaf-364	283	12	penetration	penetration	NOUN
gujaf-364	283	13	and	and	CCONJ
gujaf-364	283	14	renewable	renewable	ADJ
gujaf-364	283	15	energy	energy	NOUN
gujaf-364	283	16	investment	investment	NOUN
gujaf-364	283	17	in	in	ADP
gujaf-364	283	18	developing	develop	VERB
gujaf-364	283	19	countries	country	NOUN
gujaf-364	283	20	,	,	PUNCT
gujaf-364	283	21	highlighting	highlight	VERB
gujaf-364	283	22	how	how	SCONJ
gujaf-364	283	23	financial	financial	ADJ
gujaf-364	283	24	innovation	innovation	NOUN
gujaf-364	283	25	can	can	AUX
gujaf-364	283	26	catalyze	catalyze	VERB
gujaf-364	283	27	green	green	ADJ
gujaf-364	283	28	finance	finance	NOUN
gujaf-364	283	29	channels	channel	NOUN
gujaf-364	283	30	.	.	PUNCT
gujaf-364	284	1	the	the	DET
gujaf-364	284	2	econometric	econometric	ADJ
gujaf-364	284	3	evidence	evidence	NOUN
gujaf-364	284	4	from	from	ADP
gujaf-364	284	5	fixed	fix	VERB
gujaf-364	284	6	effects	effect	NOUN
gujaf-364	284	7	and	and	CCONJ
gujaf-364	284	8	gmm	gmm	PROPN
gujaf-364	284	9	estimations	estimation	NOUN
gujaf-364	284	10	confirms	confirm	VERB
gujaf-364	284	11	a	a	DET
gujaf-364	284	12	statistically	statistically	ADV
gujaf-364	284	13	significant	significant	ADJ
gujaf-364	284	14	and	and	CCONJ
gujaf-364	284	15	economically	economically	ADV
gujaf-364	284	16	meaningful	meaningful	ADJ
gujaf-364	284	17	relationship	relationship	NOUN
gujaf-364	284	18	between	between	ADP
gujaf-364	284	19	fintech	fintech	NOUN
gujaf-364	284	20	diffusion	diffusion	NOUN
gujaf-364	284	21	and	and	CCONJ
gujaf-364	284	22	increased	increase	VERB
gujaf-364	284	23	renewable	renewable	ADJ
gujaf-364	284	24	energy	energy	NOUN
gujaf-364	284	25	investment	investment	NOUN
gujaf-364	284	26	.	.	PUNCT
gujaf-364	285	1	the	the	DET
gujaf-364	285	2	results	result	NOUN
gujaf-364	285	3	are	be	AUX
gujaf-364	285	4	robust	robust	ADJ
gujaf-364	285	5	across	across	ADP
gujaf-364	285	6	various	various	ADJ
gujaf-364	285	7	model	model	NOUN
gujaf-364	285	8	specifications	specification	NOUN
gujaf-364	285	9	,	,	PUNCT
gujaf-364	285	10	sensitivity	sensitivity	NOUN
gujaf-364	285	11	tests	test	NOUN
gujaf-364	285	12	,	,	PUNCT
gujaf-364	285	13	and	and	CCONJ
gujaf-364	285	14	post	post	ADJ
gujaf-364	285	15	-	-	ADJ
gujaf-364	285	16	estimation	estimation	NOUN
gujaf-364	285	17	diagnostics	diagnostic	NOUN
gujaf-364	285	18	,	,	PUNCT
gujaf-364	285	19	suggesting	suggest	VERB
gujaf-364	285	20	a	a	DET
gujaf-364	285	21	reliable	reliable	ADJ
gujaf-364	285	22	pattern	pattern	NOUN
gujaf-364	285	23	in	in	ADP
gujaf-364	285	24	gusau	gusau	ADJ
gujaf-364	285	25	journal	journal	NOUN
gujaf-364	285	26	of	of	ADP
gujaf-364	285	27	accounting	accounting	NOUN
gujaf-364	285	28	and	and	CCONJ
gujaf-364	285	29	finance	finance	NOUN
gujaf-364	285	30	,	,	PUNCT
gujaf-364	285	31	vol.6	vol.6	PROPN
gujaf-364	285	32	,	,	PUNCT
gujaf-364	285	33	issue	issue	NOUN
gujaf-364	285	34	1	1	NUM
gujaf-364	285	35	,	,	PUNCT
gujaf-364	285	36	april	april	PROPN
gujaf-364	285	37	,	,	PUNCT
gujaf-364	285	38	2025	2025	NUM
gujaf-364	285	39	14	14	NUM
gujaf-364	285	40	which	which	DET
gujaf-364	285	41	fintech	fintech	NOUN
gujaf-364	285	42	platforms	platform	VERB
gujaf-364	285	43	lower	low	ADJ
gujaf-364	285	44	transaction	transaction	NOUN
gujaf-364	285	45	costs	cost	NOUN
gujaf-364	285	46	,	,	PUNCT
gujaf-364	285	47	improve	improve	VERB
gujaf-364	285	48	financial	financial	ADJ
gujaf-364	285	49	inclusion	inclusion	NOUN
gujaf-364	285	50	,	,	PUNCT
gujaf-364	285	51	and	and	CCONJ
gujaf-364	285	52	mobilize	mobilize	VERB
gujaf-364	285	53	capital	capital	NOUN
gujaf-364	285	54	toward	toward	ADP
gujaf-364	285	55	sustainable	sustainable	ADJ
gujaf-364	285	56	projects	project	NOUN
gujaf-364	285	57	.	.	PUNCT
gujaf-364	286	1	these	these	DET
gujaf-364	286	2	findings	finding	NOUN
gujaf-364	286	3	align	align	VERB
gujaf-364	286	4	with	with	ADP
gujaf-364	286	5	earlier	early	ADJ
gujaf-364	286	6	empirical	empirical	ADJ
gujaf-364	286	7	assessments	assessment	NOUN
gujaf-364	286	8	(	(	PUNCT
gujaf-364	286	9	croutzet	croutzet	NOUN
gujaf-364	286	10	&	&	CCONJ
gujaf-364	286	11	dabbous	dabbous	ADJ
gujaf-364	286	12	,	,	PUNCT
gujaf-364	286	13	2021	2021	NUM
gujaf-364	286	14	;	;	PUNCT
gujaf-364	286	15	zha	zha	PROPN
gujaf-364	286	16	et	et	PROPN
gujaf-364	286	17	al	al	PROPN
gujaf-364	286	18	.	.	PROPN
gujaf-364	286	19	,	,	PUNCT
gujaf-364	286	20	2022	2022	NUM
gujaf-364	286	21	)	)	PUNCT
gujaf-364	286	22	,	,	PUNCT
gujaf-364	286	23	affirming	affirm	VERB
gujaf-364	286	24	fintech	fintech	NOUN
gujaf-364	286	25	's	's	PART
gujaf-364	286	26	transformative	transformative	ADJ
gujaf-364	286	27	potential	potential	NOUN
gujaf-364	286	28	for	for	ADP
gujaf-364	286	29	addressing	address	VERB
gujaf-364	286	30	energy	energy	NOUN
gujaf-364	286	31	poverty	poverty	NOUN
gujaf-364	286	32	and	and	CCONJ
gujaf-364	286	33	climate	climate	NOUN
gujaf-364	286	34	finance	finance	NOUN
gujaf-364	286	35	gaps	gap	NOUN
gujaf-364	286	36	.	.	PUNCT
gujaf-364	287	1	despite	despite	SCONJ
gujaf-364	287	2	these	these	DET
gujaf-364	287	3	promising	promising	ADJ
gujaf-364	287	4	insights	insight	NOUN
gujaf-364	287	5	,	,	PUNCT
gujaf-364	287	6	the	the	DET
gujaf-364	287	7	study	study	NOUN
gujaf-364	287	8	is	be	AUX
gujaf-364	287	9	not	not	PART
gujaf-364	287	10	without	without	ADP
gujaf-364	287	11	limitations	limitation	NOUN
gujaf-364	287	12	.	.	PUNCT
gujaf-364	288	1	first	first	ADV
gujaf-364	288	2	,	,	PUNCT
gujaf-364	288	3	the	the	DET
gujaf-364	288	4	reliance	reliance	NOUN
gujaf-364	288	5	on	on	ADP
gujaf-364	288	6	aggregate	aggregate	ADJ
gujaf-364	288	7	national	national	ADJ
gujaf-364	288	8	indicators	indicator	NOUN
gujaf-364	288	9	such	such	ADJ
gujaf-364	288	10	as	as	ADP
gujaf-364	288	11	the	the	DET
gujaf-364	288	12	fintech	fintech	NOUN
gujaf-364	288	13	penetration	penetration	NOUN
gujaf-364	288	14	index	index	NOUN
gujaf-364	288	15	(	(	PUNCT
gujaf-364	288	16	fpi	fpi	PROPN
gujaf-364	288	17	)	)	PUNCT
gujaf-364	288	18	may	may	AUX
gujaf-364	288	19	mask	mask	VERB
gujaf-364	288	20	heterogeneity	heterogeneity	NOUN
gujaf-364	288	21	within	within	ADP
gujaf-364	288	22	countries	country	NOUN
gujaf-364	288	23	and	and	CCONJ
gujaf-364	288	24	across	across	ADP
gujaf-364	288	25	urban	urban	ADJ
gujaf-364	288	26	rural	rural	ADJ
gujaf-364	288	27	divides	divide	NOUN
gujaf-364	288	28	.	.	PUNCT
gujaf-364	289	1	as	as	SCONJ
gujaf-364	289	2	fintech	fintech	NOUN
gujaf-364	289	3	use	use	NOUN
gujaf-364	289	4	is	be	AUX
gujaf-364	289	5	often	often	ADV
gujaf-364	289	6	concentrated	concentrate	VERB
gujaf-364	289	7	in	in	ADP
gujaf-364	289	8	urban	urban	ADJ
gujaf-364	289	9	centers	center	NOUN
gujaf-364	289	10	,	,	PUNCT
gujaf-364	289	11	future	future	ADJ
gujaf-364	289	12	studies	study	NOUN
gujaf-364	289	13	should	should	AUX
gujaf-364	289	14	consider	consider	VERB
gujaf-364	289	15	disaggregated	disaggregate	VERB
gujaf-364	289	16	data	datum	NOUN
gujaf-364	289	17	to	to	PART
gujaf-364	289	18	capture	capture	VERB
gujaf-364	289	19	granular	granular	ADJ
gujaf-364	289	20	dynamics	dynamic	NOUN
gujaf-364	289	21	.	.	PUNCT
gujaf-364	290	1	second	second	ADJ
gujaf-364	290	2	,	,	PUNCT
gujaf-364	290	3	while	while	SCONJ
gujaf-364	290	4	the	the	DET
gujaf-364	290	5	panel	panel	NOUN
gujaf-364	290	6	covers	cover	VERB
gujaf-364	290	7	20102024	20102024	NUM
gujaf-364	290	8	,	,	PUNCT
gujaf-364	290	9	the	the	DET
gujaf-364	290	10	availability	availability	NOUN
gujaf-364	290	11	and	and	CCONJ
gujaf-364	290	12	comparability	comparability	NOUN
gujaf-364	290	13	of	of	ADP
gujaf-364	290	14	fintech	fintech	NOUN
gujaf-364	290	15	indicators	indicator	NOUN
gujaf-364	290	16	remain	remain	VERB
gujaf-364	290	17	uneven	uneven	ADJ
gujaf-364	290	18	across	across	ADP
gujaf-364	290	19	countries	country	NOUN
gujaf-364	290	20	,	,	PUNCT
gujaf-364	290	21	potentially	potentially	ADV
gujaf-364	290	22	introducing	introduce	VERB
gujaf-364	290	23	measurement	measurement	NOUN
gujaf-364	290	24	bias	bias	NOUN
gujaf-364	290	25	or	or	CCONJ
gujaf-364	290	26	sample	sample	NOUN
gujaf-364	290	27	selection	selection	NOUN
gujaf-364	290	28	effects	effect	NOUN
gujaf-364	290	29	.	.	PUNCT
gujaf-364	291	1	these	these	DET
gujaf-364	291	2	limitations	limitation	NOUN
gujaf-364	291	3	echo	echo	VERB
gujaf-364	291	4	concerns	concern	NOUN
gujaf-364	291	5	raised	raise	VERB
gujaf-364	291	6	in	in	ADP
gujaf-364	291	7	global	global	ADJ
gujaf-364	291	8	fintech	fintech	NOUN
gujaf-364	291	9	evaluations	evaluation	NOUN
gujaf-364	291	10	(	(	PUNCT
gujaf-364	291	11	ozili	ozili	NOUN
gujaf-364	291	12	,	,	PUNCT
gujaf-364	291	13	2021	2021	NUM
gujaf-364	291	14	;	;	PUNCT
gujaf-364	291	15	saeed	saeed	PROPN
gujaf-364	291	16	et	et	PROPN
gujaf-364	291	17	al	al	PROPN
gujaf-364	291	18	.	.	PROPN
gujaf-364	291	19	,	,	PUNCT
gujaf-364	291	20	2023	2023	NUM
gujaf-364	291	21	)	)	PUNCT
gujaf-364	291	22	,	,	PUNCT
gujaf-364	291	23	underscoring	underscore	VERB
gujaf-364	291	24	the	the	DET
gujaf-364	291	25	need	need	NOUN
gujaf-364	291	26	for	for	ADP
gujaf-364	291	27	harmonized	harmonized	ADJ
gujaf-364	291	28	crosscountry	crosscountry	NOUN
gujaf-364	291	29	fintech	fintech	NOUN
gujaf-364	291	30	metrics	metric	NOUN
gujaf-364	291	31	.	.	PUNCT
gujaf-364	292	1	moreover	moreover	ADV
gujaf-364	292	2	,	,	PUNCT
gujaf-364	292	3	while	while	SCONJ
gujaf-364	292	4	the	the	DET
gujaf-364	292	5	study	study	NOUN
gujaf-364	292	6	incorporates	incorporate	VERB
gujaf-364	292	7	institutional	institutional	ADJ
gujaf-364	292	8	quality	quality	NOUN
gujaf-364	292	9	and	and	CCONJ
gujaf-364	292	10	financial	financial	ADJ
gujaf-364	292	11	depth	depth	NOUN
gujaf-364	292	12	as	as	ADP
gujaf-364	292	13	control	control	NOUN
gujaf-364	292	14	variables	variable	NOUN
gujaf-364	292	15	,	,	PUNCT
gujaf-364	292	16	the	the	DET
gujaf-364	292	17	broader	broad	ADJ
gujaf-364	292	18	macro	macro	ADJ
gujaf-364	292	19	-	-	ADJ
gujaf-364	292	20	financial	financial	ADJ
gujaf-364	292	21	environment	environment	NOUN
gujaf-364	292	22	,	,	PUNCT
gujaf-364	292	23	such	such	ADJ
gujaf-364	292	24	as	as	ADP
gujaf-364	292	25	political	political	ADJ
gujaf-364	292	26	stability	stability	NOUN
gujaf-364	292	27	,	,	PUNCT
gujaf-364	292	28	environmental	environmental	ADJ
gujaf-364	292	29	regulation	regulation	NOUN
gujaf-364	292	30	,	,	PUNCT
gujaf-364	292	31	and	and	CCONJ
gujaf-364	292	32	capital	capital	NOUN
gujaf-364	292	33	market	market	NOUN
gujaf-364	292	34	development	development	NOUN
gujaf-364	292	35	,	,	PUNCT
gujaf-364	292	36	was	be	AUX
gujaf-364	292	37	not	not	PART
gujaf-364	292	38	explicitly	explicitly	ADV
gujaf-364	292	39	modeled	model	VERB
gujaf-364	292	40	.	.	PUNCT
gujaf-364	293	1	these	these	DET
gujaf-364	293	2	contextual	contextual	ADJ
gujaf-364	293	3	factors	factor	NOUN
gujaf-364	293	4	may	may	AUX
gujaf-364	293	5	moderate	moderate	VERB
gujaf-364	293	6	the	the	DET
gujaf-364	293	7	fintech	fintech	NOUN
gujaf-364	293	8	re	re	NOUN
gujaf-364	293	9	investment	investment	NOUN
gujaf-364	293	10	link	link	NOUN
gujaf-364	293	11	,	,	PUNCT
gujaf-364	293	12	as	as	SCONJ
gujaf-364	293	13	suggested	suggest	VERB
gujaf-364	293	14	by	by	ADP
gujaf-364	293	15	sahay	sahay	PROPN
gujaf-364	293	16	et	et	PROPN
gujaf-364	293	17	al	al	PROPN
gujaf-364	293	18	.	.	PROPN
gujaf-364	293	19	(	(	PUNCT
gujaf-364	293	20	2020	2020	NUM
gujaf-364	293	21	)	)	PUNCT
gujaf-364	293	22	,	,	PUNCT
gujaf-364	293	23	who	who	PRON
gujaf-364	293	24	noted	note	VERB
gujaf-364	293	25	that	that	SCONJ
gujaf-364	293	26	institutional	institutional	ADJ
gujaf-364	293	27	complementarities	complementarity	NOUN
gujaf-364	293	28	often	often	ADV
gujaf-364	293	29	shape	shape	VERB
gujaf-364	293	30	the	the	DET
gujaf-364	293	31	success	success	NOUN
gujaf-364	293	32	of	of	ADP
gujaf-364	293	33	financial	financial	ADJ
gujaf-364	293	34	innovations	innovation	NOUN
gujaf-364	293	35	.	.	PUNCT
gujaf-364	294	1	furthermore	furthermore	ADV
gujaf-364	294	2	,	,	PUNCT
gujaf-364	294	3	endogeneity	endogeneity	NOUN
gujaf-364	294	4	concerns	concern	NOUN
gujaf-364	294	5	related	relate	VERB
gujaf-364	294	6	to	to	PART
gujaf-364	294	7	reverse	reverse	VERB
gujaf-364	294	8	causality	causality	NOUN
gujaf-364	294	9	or	or	CCONJ
gujaf-364	294	10	omitted	omit	VERB
gujaf-364	294	11	variable	variable	ADJ
gujaf-364	294	12	bias	bias	NOUN
gujaf-364	294	13	,	,	PUNCT
gujaf-364	294	14	while	while	SCONJ
gujaf-364	294	15	addressed	address	VERB
gujaf-364	294	16	via	via	ADP
gujaf-364	294	17	dynamic	dynamic	ADJ
gujaf-364	294	18	gmm	gmm	PROPN
gujaf-364	294	19	estimation	estimation	NOUN
gujaf-364	294	20	,	,	PUNCT
gujaf-364	294	21	may	may	AUX
gujaf-364	294	22	not	not	PART
gujaf-364	294	23	be	be	AUX
gujaf-364	294	24	fully	fully	ADV
gujaf-364	294	25	eliminated	eliminate	VERB
gujaf-364	294	26	.	.	PUNCT
gujaf-364	295	1	these	these	DET
gujaf-364	295	2	methodological	methodological	ADJ
gujaf-364	295	3	caveats	caveat	NOUN
gujaf-364	295	4	suggest	suggest	VERB
gujaf-364	295	5	that	that	SCONJ
gujaf-364	295	6	causal	causal	ADJ
gujaf-364	295	7	inference	inference	NOUN
gujaf-364	295	8	should	should	AUX
gujaf-364	295	9	be	be	AUX
gujaf-364	295	10	interpreted	interpret	VERB
gujaf-364	295	11	with	with	ADP
gujaf-364	295	12	caution	caution	NOUN
gujaf-364	295	13	.	.	PUNCT
gujaf-364	296	1	in	in	ADP
gujaf-364	296	2	terms	term	NOUN
gujaf-364	296	3	of	of	ADP
gujaf-364	296	4	policy	policy	NOUN
gujaf-364	296	5	recommendations	recommendation	NOUN
gujaf-364	296	6	,	,	PUNCT
gujaf-364	296	7	governments	government	NOUN
gujaf-364	296	8	in	in	ADP
gujaf-364	296	9	developing	develop	VERB
gujaf-364	296	10	economies	economy	NOUN
gujaf-364	296	11	should	should	AUX
gujaf-364	296	12	prioritize	prioritize	VERB
gujaf-364	296	13	the	the	DET
gujaf-364	296	14	integration	integration	NOUN
gujaf-364	296	15	of	of	ADP
gujaf-364	296	16	digital	digital	ADJ
gujaf-364	296	17	financial	financial	ADJ
gujaf-364	296	18	services	service	NOUN
gujaf-364	296	19	into	into	ADP
gujaf-364	296	20	green	green	ADJ
gujaf-364	296	21	industrial	industrial	ADJ
gujaf-364	296	22	policy	policy	NOUN
gujaf-364	296	23	.	.	PUNCT
gujaf-364	297	1	regulatory	regulatory	ADJ
gujaf-364	297	2	frameworks	framework	NOUN
gujaf-364	297	3	that	that	PRON
gujaf-364	297	4	support	support	VERB
gujaf-364	297	5	innovation	innovation	NOUN
gujaf-364	297	6	while	while	SCONJ
gujaf-364	297	7	ensuring	ensure	VERB
gujaf-364	297	8	transparency	transparency	NOUN
gujaf-364	297	9	,	,	PUNCT
gujaf-364	297	10	data	data	NOUN
gujaf-364	297	11	protection	protection	NOUN
gujaf-364	297	12	,	,	PUNCT
gujaf-364	297	13	and	and	CCONJ
gujaf-364	297	14	consumer	consumer	NOUN
gujaf-364	297	15	safeguards	safeguard	NOUN
gujaf-364	297	16	will	will	AUX
gujaf-364	297	17	be	be	AUX
gujaf-364	297	18	critical	critical	ADJ
gujaf-364	297	19	.	.	PUNCT
gujaf-364	298	1	public	public	ADJ
gujaf-364	298	2	private	private	ADJ
gujaf-364	298	3	partnerships	partnership	NOUN
gujaf-364	298	4	should	should	AUX
gujaf-364	298	5	be	be	AUX
gujaf-364	298	6	designed	design	VERB
gujaf-364	298	7	to	to	PART
gujaf-364	298	8	scale	scale	VERB
gujaf-364	298	9	fintech	fintech	NOUN
gujaf-364	298	10	solutions	solution	NOUN
gujaf-364	298	11	for	for	ADP
gujaf-364	298	12	renewable	renewable	ADJ
gujaf-364	298	13	energy	energy	NOUN
gujaf-364	298	14	.	.	PUNCT
gujaf-364	299	1	additionally	additionally	ADV
gujaf-364	299	2	,	,	PUNCT
gujaf-364	299	3	environmental	environmental	ADJ
gujaf-364	299	4	taxonomies	taxonomy	NOUN
gujaf-364	299	5	and	and	CCONJ
gujaf-364	299	6	green	green	ADJ
gujaf-364	299	7	product	product	NOUN
gujaf-364	299	8	certification	certification	NOUN
gujaf-364	299	9	can	can	AUX
gujaf-364	299	10	help	help	VERB
gujaf-364	299	11	fintech	fintech	NOUN
gujaf-364	299	12	firms	firm	NOUN
gujaf-364	299	13	align	align	VERB
gujaf-364	299	14	with	with	ADP
gujaf-364	299	15	climate	climate	NOUN
gujaf-364	299	16	targets	target	NOUN
gujaf-364	299	17	while	while	SCONJ
gujaf-364	299	18	enhancing	enhance	VERB
gujaf-364	299	19	investor	investor	NOUN
gujaf-364	299	20	confidence	confidence	NOUN
gujaf-364	299	21	(	(	PUNCT
gujaf-364	299	22	shen	shen	PROPN
gujaf-364	299	23	et	et	PROPN
gujaf-364	299	24	al	al	PROPN
gujaf-364	299	25	.	.	PROPN
gujaf-364	299	26	,	,	PUNCT
gujaf-364	299	27	2023	2023	NUM
gujaf-364	299	28	)	)	PUNCT
gujaf-364	299	29	.	.	PUNCT
gujaf-364	300	1	digital	digital	ADJ
gujaf-364	300	2	literacy	literacy	NOUN
gujaf-364	300	3	and	and	CCONJ
gujaf-364	300	4	financial	financial	ADJ
gujaf-364	300	5	inclusion	inclusion	NOUN
gujaf-364	300	6	programs	program	NOUN
gujaf-364	300	7	are	be	AUX
gujaf-364	300	8	also	also	ADV
gujaf-364	300	9	necessary	necessary	ADJ
gujaf-364	300	10	to	to	PART
gujaf-364	300	11	expand	expand	VERB
gujaf-364	300	12	the	the	DET
gujaf-364	300	13	reach	reach	NOUN
gujaf-364	300	14	and	and	CCONJ
gujaf-364	300	15	impact	impact	NOUN
gujaf-364	300	16	of	of	ADP
gujaf-364	300	17	green	green	ADJ
gujaf-364	300	18	fintech	fintech	NOUN
gujaf-364	300	19	tools	tool	NOUN
gujaf-364	300	20	.	.	PUNCT
gujaf-364	301	1	for	for	ADP
gujaf-364	301	2	future	future	ADJ
gujaf-364	301	3	research	research	NOUN
gujaf-364	301	4	,	,	PUNCT
gujaf-364	301	5	scholars	scholar	NOUN
gujaf-364	301	6	should	should	AUX
gujaf-364	301	7	consider	consider	VERB
gujaf-364	301	8	longitudinal	longitudinal	ADJ
gujaf-364	301	9	case	case	NOUN
gujaf-364	301	10	studies	study	NOUN
gujaf-364	301	11	of	of	ADP
gujaf-364	301	12	specific	specific	ADJ
gujaf-364	301	13	fintech	fintech	NOUN
gujaf-364	301	14	innovations	innovation	NOUN
gujaf-364	301	15	,	,	PUNCT
gujaf-364	301	16	such	such	ADJ
gujaf-364	301	17	as	as	ADP
gujaf-364	301	18	blockchain	blockchain	NOUN
gujaf-364	301	19	-	-	PUNCT
gujaf-364	301	20	enabled	enable	VERB
gujaf-364	301	21	energy	energy	NOUN
gujaf-364	301	22	trading	trading	NOUN
gujaf-364	301	23	platforms	platform	NOUN
gujaf-364	301	24	or	or	CCONJ
gujaf-364	301	25	ai	ai	NOUN
gujaf-364	301	26	-	-	PUNCT
gujaf-364	301	27	based	base	VERB
gujaf-364	301	28	credit	credit	NOUN
gujaf-364	301	29	scoring	scoring	NOUN
gujaf-364	301	30	for	for	ADP
gujaf-364	301	31	green	green	ADJ
gujaf-364	301	32	loans	loan	NOUN
gujaf-364	301	33	,	,	PUNCT
gujaf-364	301	34	to	to	PART
gujaf-364	301	35	understand	understand	VERB
gujaf-364	301	36	how	how	SCONJ
gujaf-364	301	37	technological	technological	ADJ
gujaf-364	301	38	architecture	architecture	NOUN
gujaf-364	301	39	affects	affect	VERB
gujaf-364	301	40	green	green	ADJ
gujaf-364	301	41	finance	finance	NOUN
gujaf-364	301	42	outcomes	outcome	NOUN
gujaf-364	301	43	.	.	PUNCT
gujaf-364	302	1	machine	machine	NOUN
gujaf-364	302	2	learning	learn	VERB
gujaf-364	302	3	methods	method	NOUN
gujaf-364	302	4	could	could	AUX
gujaf-364	302	5	also	also	ADV
gujaf-364	302	6	be	be	AUX
gujaf-364	302	7	used	use	VERB
gujaf-364	302	8	to	to	PART
gujaf-364	302	9	predict	predict	VERB
gujaf-364	302	10	re	re	ADP
gujaf-364	302	11	investment	investment	NOUN
gujaf-364	302	12	flows	flow	NOUN
gujaf-364	302	13	based	base	VERB
gujaf-364	302	14	on	on	ADP
gujaf-364	302	15	digital	digital	ADJ
gujaf-364	302	16	finance	finance	NOUN
gujaf-364	302	17	indicators	indicator	NOUN
gujaf-364	302	18	,	,	PUNCT
gujaf-364	302	19	institutional	institutional	ADJ
gujaf-364	302	20	variables	variable	NOUN
gujaf-364	302	21	,	,	PUNCT
gujaf-364	302	22	and	and	CCONJ
gujaf-364	302	23	climate	climate	NOUN
gujaf-364	302	24	policy	policy	NOUN
gujaf-364	302	25	instruments	instrument	NOUN
gujaf-364	302	26	.	.	PUNCT
gujaf-364	303	1	moreover	moreover	ADV
gujaf-364	303	2	,	,	PUNCT
gujaf-364	303	3	qualitative	qualitative	ADJ
gujaf-364	303	4	research	research	NOUN
gujaf-364	303	5	exploring	explore	VERB
gujaf-364	303	6	user	user	NOUN
gujaf-364	303	7	perceptions	perception	NOUN
gujaf-364	303	8	,	,	PUNCT
gujaf-364	303	9	trust	trust	NOUN
gujaf-364	303	10	dynamics	dynamic	NOUN
gujaf-364	303	11	,	,	PUNCT
gujaf-364	303	12	and	and	CCONJ
gujaf-364	303	13	behavioral	behavioral	ADJ
gujaf-364	303	14	nudges	nudge	NOUN
gujaf-364	303	15	in	in	ADP
gujaf-364	303	16	adopting	adopt	VERB
gujaf-364	303	17	green	green	ADJ
gujaf-364	303	18	fintech	fintech	NOUN
gujaf-364	303	19	products	product	NOUN
gujaf-364	303	20	could	could	AUX
gujaf-364	303	21	provide	provide	VERB
gujaf-364	303	22	rich	rich	ADJ
gujaf-364	303	23	context	context	NOUN
gujaf-364	303	24	to	to	PART
gujaf-364	303	25	complement	complement	VERB
gujaf-364	303	26	econometric	econometric	ADJ
gujaf-364	303	27	findings	finding	NOUN
gujaf-364	303	28	.	.	PUNCT
gujaf-364	304	1	references	reference	NOUN
gujaf-364	304	2	abid	abid	PROPN
gujaf-364	304	3	,	,	PUNCT
gujaf-364	304	4	m.	m.	NOUN
gujaf-364	304	5	,	,	PUNCT
gujaf-364	304	6	yousaf	yousaf	PROPN
gujaf-364	304	7	,	,	PUNCT
gujaf-364	304	8	i.	i.	PROPN
gujaf-364	304	9	,	,	PUNCT
gujaf-364	304	10	&	&	CCONJ
gujaf-364	304	11	rauf	rauf	PROPN
gujaf-364	304	12	,	,	PUNCT
gujaf-364	304	13	a.	a.	NOUN
gujaf-364	304	14	(	(	PUNCT
gujaf-364	304	15	2024	2024	NUM
gujaf-364	304	16	)	)	PUNCT
gujaf-364	304	17	.	.	PUNCT
gujaf-364	305	1	fintech	fintech	NOUN
gujaf-364	305	2	development	development	NOUN
gujaf-364	305	3	and	and	CCONJ
gujaf-364	305	4	green	green	ADJ
gujaf-364	305	5	finance	finance	NOUN
gujaf-364	305	6	in	in	ADP
gujaf-364	305	7	emerging	emerge	VERB
gujaf-364	305	8	markets	market	NOUN
gujaf-364	305	9	:	:	PUNCT
gujaf-364	305	10	evidence	evidence	NOUN
gujaf-364	305	11	from	from	ADP
gujaf-364	305	12	panel	panel	NOUN
gujaf-364	305	13	data	datum	NOUN
gujaf-364	305	14	analysis	analysis	NOUN
gujaf-364	305	15	.	.	PUNCT
gujaf-364	306	1	finance	finance	NOUN
gujaf-364	306	2	research	research	NOUN
gujaf-364	306	3	letters	letter	NOUN
gujaf-364	306	4	,	,	PUNCT
gujaf-364	306	5	62	62	NUM
gujaf-364	306	6	,	,	PUNCT
gujaf-364	306	7	104404	104404	NUM
gujaf-364	306	8	.	.	PUNCT
gujaf-364	307	1	aghion	aghion	NOUN
gujaf-364	307	2	,	,	PUNCT
gujaf-364	307	3	p.	p.	NOUN
gujaf-364	307	4	,	,	PUNCT
gujaf-364	307	5	&	&	CCONJ
gujaf-364	307	6	howitt	howitt	ADJ
gujaf-364	307	7	,	,	PUNCT
gujaf-364	307	8	p.	p.	NOUN
gujaf-364	307	9	(	(	PUNCT
gujaf-364	307	10	1992	1992	NUM
gujaf-364	307	11	)	)	PUNCT
gujaf-364	307	12	.	.	PUNCT
gujaf-364	308	1	a	a	DET
gujaf-364	308	2	model	model	NOUN
gujaf-364	308	3	of	of	ADP
gujaf-364	308	4	growth	growth	NOUN
gujaf-364	308	5	through	through	ADP
gujaf-364	308	6	creative	creative	ADJ
gujaf-364	308	7	destruction	destruction	NOUN
gujaf-364	308	8	.	.	PUNCT
gujaf-364	309	1	econometrica	econometrica	PROPN
gujaf-364	309	2	,	,	PUNCT
gujaf-364	309	3	60(2	60(2	NUM
gujaf-364	309	4	)	)	PUNCT
gujaf-364	309	5	,	,	PUNCT
gujaf-364	309	6	323–351	323–351	NUM
gujaf-364	309	7	.	.	PUNCT
gujaf-364	310	1	gusau	gusau	PROPN
gujaf-364	310	2	journal	journal	PROPN
gujaf-364	310	3	of	of	ADP
gujaf-364	310	4	accounting	accounting	NOUN
gujaf-364	310	5	and	and	CCONJ
gujaf-364	310	6	finance	finance	NOUN
gujaf-364	310	7	,	,	PUNCT
gujaf-364	310	8	vol.6	vol.6	PROPN
gujaf-364	310	9	,	,	PUNCT
gujaf-364	310	10	issue	issue	NOUN
gujaf-364	310	11	1	1	NUM
gujaf-364	310	12	,	,	PUNCT
gujaf-364	310	13	april	april	PROPN
gujaf-364	310	14	,	,	PUNCT
gujaf-364	310	15	2025	2025	NUM
gujaf-364	310	16	15	15	NUM
gujaf-364	310	17	alliance	alliance	NOUN
gujaf-364	310	18	for	for	ADP
gujaf-364	310	19	financial	financial	ADJ
gujaf-364	310	20	inclusion	inclusion	NOUN
gujaf-364	310	21	.	.	PUNCT
gujaf-364	311	1	(	(	PUNCT
gujaf-364	311	2	2022	2022	NUM
gujaf-364	311	3	)	)	PUNCT
gujaf-364	311	4	.	.	PUNCT
gujaf-364	312	1	leveraging	leverage	VERB
gujaf-364	312	2	digital	digital	ADJ
gujaf-364	312	3	financial	financial	ADJ
gujaf-364	312	4	services	service	NOUN
gujaf-364	312	5	to	to	PART
gujaf-364	312	6	advance	advance	VERB
gujaf-364	312	7	inclusive	inclusive	ADJ
gujaf-364	312	8	green	green	ADJ
gujaf-364	312	9	finance	finance	NOUN
gujaf-364	312	10	policies	policy	NOUN
gujaf-364	312	11	.	.	PUNCT
gujaf-364	313	1	andrews	andrews	PROPN
gujaf-364	313	2	price	price	PROPN
gujaf-364	313	3	,	,	PUNCT
gujaf-364	313	4	n.	n.	NOUN
gujaf-364	313	5	,	,	PUNCT
gujaf-364	313	6	&	&	CCONJ
gujaf-364	313	7	rotenberg	rotenberg	PROPN
gujaf-364	313	8	,	,	PUNCT
gujaf-364	313	9	r.	r.	PROPN
gujaf-364	313	10	(	(	PUNCT
gujaf-364	313	11	2018	2018	NUM
gujaf-364	313	12	)	)	PUNCT
gujaf-364	313	13	.	.	PUNCT
gujaf-364	314	1	digital	digital	ADJ
gujaf-364	314	2	finance	finance	NOUN
gujaf-364	314	3	and	and	CCONJ
gujaf-364	314	4	off	off	ADP
gujaf-364	314	5	-	-	PUNCT
gujaf-364	314	6	grid	grid	NOUN
gujaf-364	314	7	solar	solar	NOUN
gujaf-364	314	8	:	:	PUNCT
gujaf-364	314	9	adoption	adoption	NOUN
gujaf-364	314	10	dynamics	dynamic	NOUN
gujaf-364	314	11	in	in	ADP
gujaf-364	314	12	east	east	PROPN
gujaf-364	314	13	africa	africa	PROPN
gujaf-364	314	14	.	.	PUNCT
gujaf-364	315	1	energy	energy	NOUN
gujaf-364	315	2	for	for	ADP
gujaf-364	315	3	sustainable	sustainable	ADJ
gujaf-364	315	4	development	development	NOUN
gujaf-364	315	5	,	,	PUNCT
gujaf-364	315	6	45	45	NUM
gujaf-364	315	7	,	,	PUNCT
gujaf-364	315	8	10–19	10–19	NUM
gujaf-364	315	9	.	.	PUNCT
gujaf-364	316	1	arellano	arellano	PROPN
gujaf-364	316	2	,	,	PUNCT
gujaf-364	316	3	m.	m.	NOUN
gujaf-364	316	4	,	,	PUNCT
gujaf-364	316	5	&	&	CCONJ
gujaf-364	316	6	bover	bover	PROPN
gujaf-364	316	7	,	,	PUNCT
gujaf-364	316	8	o.	o.	PROPN
gujaf-364	316	9	(	(	PUNCT
gujaf-364	316	10	1995	1995	NUM
gujaf-364	316	11	)	)	PUNCT
gujaf-364	316	12	.	.	PUNCT
gujaf-364	317	1	another	another	DET
gujaf-364	317	2	look	look	NOUN
gujaf-364	317	3	at	at	ADP
gujaf-364	317	4	the	the	DET
gujaf-364	317	5	instrumental	instrumental	ADJ
gujaf-364	317	6	variable	variable	ADJ
gujaf-364	317	7	estimation	estimation	NOUN
gujaf-364	317	8	of	of	ADP
gujaf-364	317	9	errorcomponents	errorcomponent	NOUN
gujaf-364	317	10	models	model	NOUN
gujaf-364	317	11	.	.	PUNCT
gujaf-364	318	1	journal	journal	NOUN
gujaf-364	318	2	of	of	ADP
gujaf-364	318	3	econometrics	econometric	NOUN
gujaf-364	318	4	,	,	PUNCT
gujaf-364	318	5	68(1	68(1	NOUN
gujaf-364	318	6	)	)	PUNCT
gujaf-364	318	7	,	,	PUNCT
gujaf-364	318	8	29–42	29–42	NUM
gujaf-364	318	9	.	.	PUNCT
gujaf-364	318	10	asongu	asongu	PROPN
gujaf-364	318	11	,	,	PUNCT
gujaf-364	318	12	s.	s.	PROPN
gujaf-364	318	13	a.	a.	PROPN
gujaf-364	318	14	,	,	PUNCT
gujaf-364	318	15	&	&	CCONJ
gujaf-364	318	16	nwachukwu	nwachukwu	PROPN
gujaf-364	318	17	,	,	PUNCT
gujaf-364	318	18	j.	j.	PROPN
gujaf-364	318	19	c.	c.	PROPN
gujaf-364	318	20	(	(	PUNCT
gujaf-364	318	21	2020	2020	NUM
gujaf-364	318	22	)	)	PUNCT
gujaf-364	318	23	.	.	PUNCT
gujaf-364	319	1	the	the	DET
gujaf-364	319	2	comparative	comparative	ADJ
gujaf-364	319	3	economics	economic	NOUN
gujaf-364	319	4	of	of	ADP
gujaf-364	319	5	ict	ict	PROPN
gujaf-364	319	6	,	,	PUNCT
gujaf-364	319	7	financial	financial	ADJ
gujaf-364	319	8	sector	sector	NOUN
gujaf-364	319	9	development	development	NOUN
gujaf-364	319	10	and	and	CCONJ
gujaf-364	319	11	inclusive	inclusive	ADJ
gujaf-364	319	12	development	development	NOUN
gujaf-364	319	13	in	in	ADP
gujaf-364	319	14	sub	sub	ADJ
gujaf-364	319	15	-	-	ADJ
gujaf-364	319	16	saharan	saharan	ADJ
gujaf-364	319	17	africa	africa	PROPN
gujaf-364	319	18	.	.	PUNCT
gujaf-364	320	1	technological	technological	ADJ
gujaf-364	320	2	forecasting	forecasting	NOUN
gujaf-364	320	3	and	and	CCONJ
gujaf-364	320	4	social	social	ADJ
gujaf-364	320	5	change	change	NOUN
gujaf-364	320	6	,	,	PUNCT
gujaf-364	320	7	161	161	NUM
gujaf-364	320	8	,	,	PUNCT
gujaf-364	320	9	120256	120256	NUM
gujaf-364	320	10	.	.	PUNCT
gujaf-364	321	1	bahaj	bahaj	PROPN
gujaf-364	321	2	,	,	PUNCT
gujaf-364	321	3	s.	s.	PROPN
gujaf-364	321	4	,	,	PUNCT
gujaf-364	321	5	&	&	CCONJ
gujaf-364	321	6	foulis	foulis	PROPN
gujaf-364	321	7	,	,	PUNCT
gujaf-364	321	8	a.	a.	NOUN
gujaf-364	321	9	(	(	PUNCT
gujaf-364	321	10	2022	2022	NUM
gujaf-364	321	11	)	)	PUNCT
gujaf-364	321	12	.	.	PUNCT
gujaf-364	322	1	mobile	mobile	ADJ
gujaf-364	322	2	money	money	NOUN
gujaf-364	322	3	and	and	CCONJ
gujaf-364	322	4	solar	solar	ADJ
gujaf-364	322	5	energy	energy	NOUN
gujaf-364	322	6	:	:	PUNCT
gujaf-364	322	7	evidence	evidence	NOUN
gujaf-364	322	8	from	from	ADP
gujaf-364	322	9	east	east	PROPN
gujaf-364	322	10	africa	africa	PROPN
gujaf-364	322	11	.	.	PUNCT
gujaf-364	323	1	energy	energy	NOUN
gujaf-364	323	2	economics	economic	NOUN
gujaf-364	323	3	,	,	PUNCT
gujaf-364	323	4	112	112	NUM
gujaf-364	323	5	,	,	PUNCT
gujaf-364	323	6	106145	106145	NUM
gujaf-364	323	7	.	.	PUNCT
gujaf-364	324	1	baltagi	baltagi	PROPN
gujaf-364	324	2	,	,	PUNCT
gujaf-364	324	3	b.	b.	PROPN
gujaf-364	324	4	h.	h.	PROPN
gujaf-364	324	5	,	,	PUNCT
gujaf-364	324	6	kao	kao	PROPN
gujaf-364	324	7	,	,	PUNCT
gujaf-364	324	8	c.	c.	PROPN
gujaf-364	324	9	,	,	PUNCT
gujaf-364	324	10	&	&	CCONJ
gujaf-364	324	11	wang	wang	PROPN
gujaf-364	324	12	,	,	PUNCT
gujaf-364	324	13	f.	f.	PROPN
gujaf-364	324	14	(	(	PUNCT
gujaf-364	324	15	2023	2023	NUM
gujaf-364	324	16	)	)	PUNCT
gujaf-364	324	17	.	.	PUNCT
gujaf-364	325	1	dynamic	dynamic	ADJ
gujaf-364	325	2	panel	panel	NOUN
gujaf-364	325	3	data	datum	NOUN
gujaf-364	325	4	models	model	NOUN
gujaf-364	325	5	:	:	PUNCT
gujaf-364	325	6	a	a	DET
gujaf-364	325	7	survey	survey	NOUN
gujaf-364	325	8	.	.	PUNCT
gujaf-364	326	1	springer	springer	NOUN
gujaf-364	326	2	nature	nature	PROPN
gujaf-364	326	3	.	.	PUNCT
gujaf-364	327	1	beck	beck	PROPN
gujaf-364	327	2	,	,	PUNCT
gujaf-364	327	3	t.	t.	PROPN
gujaf-364	327	4	,	,	PUNCT
gujaf-364	327	5	chen	chen	PROPN
gujaf-364	327	6	,	,	PUNCT
gujaf-364	327	7	t.	t.	PROPN
gujaf-364	327	8	,	,	PUNCT
gujaf-364	327	9	lin	lin	PROPN
gujaf-364	327	10	,	,	PUNCT
gujaf-364	327	11	c.	c.	PROPN
gujaf-364	327	12	,	,	PUNCT
gujaf-364	327	13	&	&	CCONJ
gujaf-364	327	14	song	song	PROPN
gujaf-364	327	15	,	,	PUNCT
gujaf-364	327	16	f.	f.	PROPN
gujaf-364	327	17	(	(	PUNCT
gujaf-364	327	18	2020	2020	NUM
gujaf-364	327	19	)	)	PUNCT
gujaf-364	327	20	.	.	PUNCT
gujaf-364	328	1	financial	financial	ADJ
gujaf-364	328	2	innovation	innovation	NOUN
gujaf-364	328	3	:	:	PUNCT
gujaf-364	328	4	the	the	DET
gujaf-364	328	5	bright	bright	ADJ
gujaf-364	328	6	and	and	CCONJ
gujaf-364	328	7	the	the	DET
gujaf-364	328	8	dark	dark	ADJ
gujaf-364	328	9	sides	side	NOUN
gujaf-364	328	10	.	.	PUNCT
gujaf-364	329	1	journal	journal	NOUN
gujaf-364	329	2	of	of	ADP
gujaf-364	329	3	banking	banking	NOUN
gujaf-364	329	4	&	&	CCONJ
gujaf-364	329	5	finance	finance	NOUN
gujaf-364	329	6	,	,	PUNCT
gujaf-364	329	7	113	113	NUM
gujaf-364	329	8	,	,	PUNCT
gujaf-364	329	9	105761	105761	NUM
gujaf-364	329	10	.	.	PUNCT
gujaf-364	330	1	blundell	blundell	PROPN
gujaf-364	330	2	,	,	PUNCT
gujaf-364	330	3	r.	r.	PROPN
gujaf-364	330	4	,	,	PUNCT
gujaf-364	330	5	&	&	CCONJ
gujaf-364	330	6	bond	bond	PROPN
gujaf-364	330	7	,	,	PUNCT
gujaf-364	330	8	s.	s.	PROPN
gujaf-364	330	9	(	(	PUNCT
gujaf-364	330	10	1998	1998	NUM
gujaf-364	330	11	)	)	PUNCT
gujaf-364	330	12	.	.	PUNCT
gujaf-364	331	1	initial	initial	ADJ
gujaf-364	331	2	conditions	condition	NOUN
gujaf-364	331	3	and	and	CCONJ
gujaf-364	331	4	moment	moment	VERB
gujaf-364	331	5	restrictions	restriction	NOUN
gujaf-364	331	6	in	in	ADP
gujaf-364	331	7	dynamic	dynamic	ADJ
gujaf-364	331	8	panel	panel	NOUN
gujaf-364	331	9	data	datum	NOUN
gujaf-364	331	10	models	model	NOUN
gujaf-364	331	11	.	.	PUNCT
gujaf-364	332	1	journal	journal	NOUN
gujaf-364	332	2	of	of	ADP
gujaf-364	332	3	econometrics	econometric	NOUN
gujaf-364	332	4	,	,	PUNCT
gujaf-364	332	5	87(1	87(1	NUM
gujaf-364	332	6	)	)	PUNCT
gujaf-364	332	7	,	,	PUNCT
gujaf-364	332	8	115–143	115–143	NUM
gujaf-364	332	9	.	.	PUNCT
gujaf-364	333	1	chinn	chinn	PROPN
gujaf-364	333	2	,	,	PUNCT
gujaf-364	333	3	m.	m.	NOUN
gujaf-364	333	4	d.	d.	PROPN
gujaf-364	333	5	,	,	PUNCT
gujaf-364	333	6	ito	ito	PROPN
gujaf-364	333	7	,	,	PUNCT
gujaf-364	333	8	h.	h.	PROPN
gujaf-364	333	9	,	,	PUNCT
gujaf-364	333	10	&	&	CCONJ
gujaf-364	333	11	sutherland	sutherland	PROPN
gujaf-364	333	12	,	,	PUNCT
gujaf-364	333	13	d.	d.	PROPN
gujaf-364	333	14	(	(	PUNCT
gujaf-364	333	15	2021	2021	NUM
gujaf-364	333	16	)	)	PUNCT
gujaf-364	333	17	.	.	PUNCT
gujaf-364	334	1	fintech	fintech	NOUN
gujaf-364	334	2	and	and	CCONJ
gujaf-364	334	3	financial	financial	ADJ
gujaf-364	334	4	inclusion	inclusion	NOUN
gujaf-364	334	5	in	in	ADP
gujaf-364	334	6	the	the	DET
gujaf-364	334	7	global	global	ADJ
gujaf-364	334	8	south	south	PROPN
gujaf-364	334	9	:	:	PUNCT
gujaf-364	334	10	opportunities	opportunity	NOUN
gujaf-364	334	11	and	and	CCONJ
gujaf-364	334	12	risks	risk	NOUN
gujaf-364	334	13	.	.	PUNCT
gujaf-364	335	1	journal	journal	NOUN
gujaf-364	335	2	of	of	ADP
gujaf-364	335	3	international	international	ADJ
gujaf-364	335	4	money	money	NOUN
gujaf-364	335	5	and	and	CCONJ
gujaf-364	335	6	finance	finance	NOUN
gujaf-364	335	7	,	,	PUNCT
gujaf-364	335	8	113	113	NUM
gujaf-364	335	9	,	,	PUNCT
gujaf-364	335	10	102364	102364	NUM
gujaf-364	335	11	.	.	PUNCT
gujaf-364	336	1	chukwuma	chukwuma	PROPN
gujaf-364	336	2	,	,	PUNCT
gujaf-364	336	3	c.	c.	PROPN
gujaf-364	336	4	m.	m.	PROPN
gujaf-364	336	5	,	,	PUNCT
gujaf-364	336	6	&	&	CCONJ
gujaf-364	336	7	mensah	mensah	PROPN
gujaf-364	336	8	,	,	PUNCT
gujaf-364	336	9	i.	i.	PROPN
gujaf-364	336	10	(	(	PUNCT
gujaf-364	336	11	2020	2020	NUM
gujaf-364	336	12	)	)	PUNCT
gujaf-364	336	13	.	.	PUNCT
gujaf-364	337	1	mobile	mobile	ADJ
gujaf-364	337	2	money	money	NOUN
gujaf-364	337	3	and	and	CCONJ
gujaf-364	337	4	the	the	DET
gujaf-364	337	5	financing	financing	NOUN
gujaf-364	337	6	of	of	ADP
gujaf-364	337	7	off	off	ADP
gujaf-364	337	8	-	-	PUNCT
gujaf-364	337	9	grid	grid	VERB
gujaf-364	337	10	renewable	renewable	ADJ
gujaf-364	337	11	energy	energy	NOUN
gujaf-364	337	12	:	:	PUNCT
gujaf-364	337	13	evidence	evidence	NOUN
gujaf-364	337	14	from	from	ADP
gujaf-364	337	15	west	west	PROPN
gujaf-364	337	16	africa	africa	PROPN
gujaf-364	337	17	.	.	PUNCT
gujaf-364	338	1	energy	energy	NOUN
gujaf-364	338	2	reports	report	NOUN
gujaf-364	338	3	,	,	PUNCT
gujaf-364	338	4	6	6	NUM
gujaf-364	338	5	,	,	PUNCT
gujaf-364	338	6	301–310	301–310	NUM
gujaf-364	338	7	.	.	PUNCT
gujaf-364	339	1	croutzet	croutzet	PROPN
gujaf-364	339	2	,	,	PUNCT
gujaf-364	339	3	a.	a.	NOUN
gujaf-364	339	4	,	,	PUNCT
gujaf-364	339	5	&	&	CCONJ
gujaf-364	339	6	dabbous	dabbous	VERB
gujaf-364	339	7	,	,	PUNCT
gujaf-364	339	8	a.	a.	NOUN
gujaf-364	339	9	(	(	PUNCT
gujaf-364	339	10	2021	2021	NUM
gujaf-364	339	11	)	)	PUNCT
gujaf-364	339	12	.	.	PUNCT
gujaf-364	340	1	do	do	VERB
gujaf-364	340	2	fintech	fintech	NOUN
gujaf-364	340	3	trigger	trigger	NOUN
gujaf-364	340	4	renewable	renewable	ADJ
gujaf-364	340	5	energy	energy	NOUN
gujaf-364	340	6	use	use	NOUN
gujaf-364	340	7	?	?	PUNCT
gujaf-364	341	1	evidence	evidence	NOUN
gujaf-364	341	2	from	from	ADP
gujaf-364	341	3	oecd	oecd	PROPN
gujaf-364	341	4	countries	country	NOUN
gujaf-364	341	5	.	.	PUNCT
gujaf-364	342	1	renewable	renewable	ADJ
gujaf-364	342	2	energy	energy	NOUN
gujaf-364	342	3	,	,	PUNCT
gujaf-364	342	4	179	179	NUM
gujaf-364	342	5	,	,	PUNCT
gujaf-364	342	6	1608–1617	1608–1617	NUM
gujaf-364	342	7	.	.	PUNCT
gujaf-364	343	1	cull	cull	PROPN
gujaf-364	343	2	,	,	PUNCT
gujaf-364	343	3	r.	r.	PROPN
gujaf-364	343	4	,	,	PUNCT
gujaf-364	343	5	ehrbeck	ehrbeck	PROPN
gujaf-364	343	6	,	,	PUNCT
gujaf-364	343	7	t.	t.	PROPN
gujaf-364	343	8	,	,	PUNCT
gujaf-364	343	9	&	&	CCONJ
gujaf-364	343	10	holle	holle	PROPN
gujaf-364	343	11	,	,	PUNCT
gujaf-364	343	12	n.	n.	PROPN
gujaf-364	343	13	(	(	PUNCT
gujaf-364	343	14	2020	2020	NUM
gujaf-364	343	15	)	)	PUNCT
gujaf-364	343	16	.	.	PUNCT
gujaf-364	344	1	finance	finance	NOUN
gujaf-364	344	2	for	for	ADP
gujaf-364	344	3	climate	climate	NOUN
gujaf-364	344	4	resilient	resilient	ADJ
gujaf-364	344	5	growth	growth	NOUN
gujaf-364	344	6	:	:	PUNCT
gujaf-364	344	7	digital	digital	ADJ
gujaf-364	344	8	tools	tool	NOUN
gujaf-364	344	9	and	and	CCONJ
gujaf-364	344	10	policy	policy	NOUN
gujaf-364	344	11	solutions	solution	NOUN
gujaf-364	344	12	.	.	PUNCT
gujaf-364	345	1	world	world	PROPN
gujaf-364	345	2	bank	bank	PROPN
gujaf-364	345	3	policy	policy	NOUN
gujaf-364	345	4	research	research	NOUN
gujaf-364	345	5	working	working	NOUN
gujaf-364	345	6	paper	paper	NOUN
gujaf-364	345	7	no	no	INTJ
gujaf-364	345	8	.	.	PROPN
gujaf-364	345	9	9209	9209	NUM
gujaf-364	345	10	.	.	PUNCT
gujaf-364	346	1	demirgüç	demirgüç	PROPN
gujaf-364	346	2	-	-	PUNCT
gujaf-364	346	3	kunt	kunt	PROPN
gujaf-364	346	4	,	,	PUNCT
gujaf-364	346	5	a.	a.	PROPN
gujaf-364	346	6	,	,	PUNCT
gujaf-364	346	7	klapper	klapper	PROPN
gujaf-364	346	8	,	,	PUNCT
gujaf-364	346	9	l.	l.	PROPN
gujaf-364	346	10	,	,	PUNCT
gujaf-364	346	11	singer	singer	NOUN
gujaf-364	346	12	,	,	PUNCT
gujaf-364	346	13	d.	d.	PROPN
gujaf-364	346	14	,	,	PUNCT
gujaf-364	346	15	&	&	CCONJ
gujaf-364	346	16	ansar	ansar	PROPN
gujaf-364	346	17	,	,	PUNCT
gujaf-364	346	18	s.	s.	PROPN
gujaf-364	346	19	(	(	PUNCT
gujaf-364	346	20	2022	2022	NUM
gujaf-364	346	21	)	)	PUNCT
gujaf-364	346	22	.	.	PUNCT
gujaf-364	347	1	the	the	DET
gujaf-364	347	2	global	global	ADJ
gujaf-364	347	3	findex	findex	PROPN
gujaf-364	347	4	database	database	NOUN
gujaf-364	347	5	2021	2021	NUM
gujaf-364	347	6	:	:	PUNCT
gujaf-364	347	7	financial	financial	ADJ
gujaf-364	347	8	inclusion	inclusion	NOUN
gujaf-364	347	9	,	,	PUNCT
gujaf-364	347	10	digital	digital	ADJ
gujaf-364	347	11	payments	payment	NOUN
gujaf-364	347	12	,	,	PUNCT
gujaf-364	347	13	and	and	CCONJ
gujaf-364	347	14	resilience	resilience	NOUN
gujaf-364	347	15	in	in	ADP
gujaf-364	347	16	the	the	DET
gujaf-364	347	17	age	age	NOUN
gujaf-364	347	18	of	of	ADP
gujaf-364	347	19	covid-19	covid-19	PROPN
gujaf-364	347	20	.	.	PUNCT
gujaf-364	347	21	world	world	PROPN
gujaf-364	347	22	bank	bank	PROPN
gujaf-364	347	23	group	group	NOUN
gujaf-364	347	24	.	.	PUNCT
gujaf-364	348	1	faruq	faruq	PROPN
gujaf-364	348	2	,	,	PUNCT
gujaf-364	348	3	a.	a.	NOUN
gujaf-364	348	4	t.	t.	PROPN
gujaf-364	348	5	m.	m.	PROPN
gujaf-364	348	6	o.	o.	PROPN
gujaf-364	348	7	,	,	PUNCT
gujaf-364	348	8	&	&	CCONJ
gujaf-364	348	9	chowdhury	chowdhury	PROPN
gujaf-364	348	10	,	,	PUNCT
gujaf-364	348	11	m.	m.	NOUN
gujaf-364	348	12	a.	a.	PROPN
gujaf-364	348	13	r.	r.	PROPN
gujaf-364	348	14	(	(	PUNCT
gujaf-364	348	15	2025	2025	NUM
gujaf-364	348	16	)	)	PUNCT
gujaf-364	348	17	.	.	PUNCT
gujaf-364	349	1	financial	financial	ADJ
gujaf-364	349	2	markets	market	NOUN
gujaf-364	349	3	and	and	CCONJ
gujaf-364	349	4	esg	esg	NOUN
gujaf-364	349	5	:	:	PUNCT
gujaf-364	349	6	how	how	SCONJ
gujaf-364	349	7	big	big	ADJ
gujaf-364	349	8	data	data	NOUN
gujaf-364	349	9	is	be	AUX
gujaf-364	349	10	transforming	transform	VERB
gujaf-364	349	11	sustainable	sustainable	ADJ
gujaf-364	349	12	investing	investing	NOUN
gujaf-364	349	13	in	in	ADP
gujaf-364	349	14	developing	develop	VERB
gujaf-364	349	15	countries	country	NOUN
gujaf-364	349	16	.	.	PUNCT
gujaf-364	350	1	cogent	cogent	NOUN
gujaf-364	350	2	economics	economics	PROPN
gujaf-364	350	3	&	&	CCONJ
gujaf-364	350	4	finance	finance	PROPN
gujaf-364	350	5	,	,	PUNCT
gujaf-364	350	6	11(1	11(1	NUM
gujaf-364	350	7	)	)	PUNCT
gujaf-364	350	8	,	,	PUNCT
gujaf-364	350	9	2160078	2160078	NUM
gujaf-364	350	10	.	.	PUNCT
gujaf-364	351	1	financial	financial	ADJ
gujaf-364	351	2	times	time	NOUN
gujaf-364	351	3	.	.	PUNCT
gujaf-364	352	1	(	(	PUNCT
gujaf-364	352	2	2024	2024	NUM
gujaf-364	352	3	,	,	PUNCT
gujaf-364	352	4	may	may	AUX
gujaf-364	352	5	6	6	NUM
gujaf-364	352	6	)	)	PUNCT
gujaf-364	352	7	.	.	PUNCT
gujaf-364	353	1	the	the	DET
gujaf-364	353	2	$	$	SYM
gujaf-364	353	3	9	9	NUM
gujaf-364	353	4	tn	tn	NOUN
gujaf-364	353	5	question	question	NOUN
gujaf-364	353	6	:	:	PUNCT
gujaf-364	353	7	how	how	SCONJ
gujaf-364	353	8	to	to	PART
gujaf-364	353	9	pay	pay	VERB
gujaf-364	353	10	for	for	ADP
gujaf-364	353	11	the	the	DET
gujaf-364	353	12	green	green	ADJ
gujaf-364	353	13	transition	transition	NOUN
gujaf-364	353	14	.	.	PUNCT
gujaf-364	354	1	https://www.ft.com/content/6873d96e-3e40-45c6-9d84-8ce27b7b23e1	https://www.ft.com/content/6873d96e-3e40-45c6-9d84-8ce27b7b23e1	NOUN
gujaf-364	354	2	geels	geel	NOUN
gujaf-364	354	3	,	,	PUNCT
gujaf-364	354	4	f.	f.	PROPN
gujaf-364	354	5	w.	w.	PROPN
gujaf-364	354	6	(	(	PUNCT
gujaf-364	354	7	2018	2018	NUM
gujaf-364	354	8	)	)	PUNCT
gujaf-364	354	9	.	.	PUNCT
gujaf-364	355	1	the	the	DET
gujaf-364	355	2	multi	multi	ADJ
gujaf-364	355	3	-	-	ADJ
gujaf-364	355	4	level	level	ADJ
gujaf-364	355	5	perspective	perspective	NOUN
gujaf-364	355	6	on	on	ADP
gujaf-364	355	7	sustainability	sustainability	NOUN
gujaf-364	355	8	transitions	transition	NOUN
gujaf-364	355	9	:	:	PUNCT
gujaf-364	355	10	responses	response	NOUN
gujaf-364	355	11	to	to	ADP
gujaf-364	355	12	seven	seven	NUM
gujaf-364	355	13	criticisms	criticism	NOUN
gujaf-364	355	14	.	.	PUNCT
gujaf-364	356	1	environmental	environmental	ADJ
gujaf-364	356	2	innovation	innovation	NOUN
gujaf-364	356	3	and	and	CCONJ
gujaf-364	356	4	societal	societal	ADJ
gujaf-364	356	5	transitions	transition	NOUN
gujaf-364	356	6	,	,	PUNCT
gujaf-364	356	7	31	31	NUM
gujaf-364	356	8	,	,	PUNCT
gujaf-364	356	9	1–17	1–17	PROPN
gujaf-364	356	10	.	.	PUNCT
gujaf-364	357	1	greenwood	greenwood	PROPN
gujaf-364	357	2	,	,	PUNCT
gujaf-364	357	3	j.	j.	PROPN
gujaf-364	357	4	,	,	PUNCT
gujaf-364	357	5	&	&	CCONJ
gujaf-364	357	6	jovanovic	jovanovic	PROPN
gujaf-364	357	7	,	,	PUNCT
gujaf-364	357	8	b.	b.	PROPN
gujaf-364	357	9	(	(	PUNCT
gujaf-364	357	10	1990	1990	NUM
gujaf-364	357	11	)	)	PUNCT
gujaf-364	357	12	.	.	PUNCT
gujaf-364	358	1	financial	financial	ADJ
gujaf-364	358	2	development	development	NOUN
gujaf-364	358	3	,	,	PUNCT
gujaf-364	358	4	growth	growth	NOUN
gujaf-364	358	5	,	,	PUNCT
gujaf-364	358	6	and	and	CCONJ
gujaf-364	358	7	the	the	DET
gujaf-364	358	8	distribution	distribution	NOUN
gujaf-364	358	9	of	of	ADP
gujaf-364	358	10	income	income	NOUN
gujaf-364	358	11	.	.	PUNCT
gujaf-364	359	1	journal	journal	NOUN
gujaf-364	359	2	of	of	ADP
gujaf-364	359	3	political	political	ADJ
gujaf-364	359	4	economy	economy	NOUN
gujaf-364	359	5	,	,	PUNCT
gujaf-364	359	6	98(5	98(5	NOUN
gujaf-364	359	7	)	)	PUNCT
gujaf-364	359	8	,	,	PUNCT
gujaf-364	359	9	1076–1107	1076–1107	NUM
gujaf-364	359	10	.	.	PUNCT
gujaf-364	360	1	heeks	heeks	PROPN
gujaf-364	360	2	,	,	PUNCT
gujaf-364	360	3	r.	r.	PROPN
gujaf-364	360	4	,	,	PUNCT
gujaf-364	360	5	&	&	CCONJ
gujaf-364	360	6	jagun	jagun	PROPN
gujaf-364	360	7	,	,	PUNCT
gujaf-364	360	8	a.	a.	NOUN
gujaf-364	360	9	(	(	PUNCT
gujaf-364	360	10	2019	2019	NUM
gujaf-364	360	11	)	)	PUNCT
gujaf-364	360	12	.	.	PUNCT
gujaf-364	361	1	fintech	fintech	NOUN
gujaf-364	361	2	and	and	CCONJ
gujaf-364	361	3	energy	energy	NOUN
gujaf-364	361	4	access	access	NOUN
gujaf-364	361	5	:	:	PUNCT
gujaf-364	361	6	the	the	DET
gujaf-364	361	7	role	role	NOUN
gujaf-364	361	8	of	of	ADP
gujaf-364	361	9	digital	digital	ADJ
gujaf-364	361	10	finance	finance	NOUN
gujaf-364	361	11	in	in	ADP
gujaf-364	361	12	off	off	ADP
gujaf-364	361	13	-	-	PUNCT
gujaf-364	361	14	grid	grid	VERB
gujaf-364	361	15	renewable	renewable	ADJ
gujaf-364	361	16	markets	market	NOUN
gujaf-364	361	17	.	.	PUNCT
gujaf-364	362	1	energy	energy	NOUN
gujaf-364	362	2	research	research	NOUN
gujaf-364	362	3	&	&	CCONJ
gujaf-364	362	4	social	social	ADJ
gujaf-364	362	5	science	science	NOUN
gujaf-364	362	6	,	,	PUNCT
gujaf-364	362	7	57	57	NUM
gujaf-364	362	8	,	,	PUNCT
gujaf-364	362	9	101239	101239	NUM
gujaf-364	362	10	.	.	PUNCT
gujaf-364	363	1	ibrahim	ibrahim	PROPN
gujaf-364	363	2	,	,	PUNCT
gujaf-364	363	3	a.	a.	PROPN
gujaf-364	363	4	,	,	PUNCT
gujaf-364	363	5	almasria	almasria	PROPN
gujaf-364	363	6	,	,	PUNCT
gujaf-364	363	7	n.	n.	PROPN
gujaf-364	363	8	a.	a.	PROPN
gujaf-364	363	9	,	,	PUNCT
gujaf-364	363	10	almaqtari	almaqtari	PROPN
gujaf-364	363	11	,	,	PUNCT
gujaf-364	363	12	f.	f.	PROPN
gujaf-364	363	13	a.	a.	PROPN
gujaf-364	363	14	,	,	PUNCT
gujaf-364	363	15	et	et	PROPN
gujaf-364	363	16	al	al	PROPN
gujaf-364	363	17	.	.	PUNCT
gujaf-364	364	1	(	(	PUNCT
gujaf-364	364	2	2024	2024	NUM
gujaf-364	364	3	)	)	PUNCT
gujaf-364	364	4	.	.	PUNCT
gujaf-364	365	1	the	the	DET
gujaf-364	365	2	impact	impact	NOUN
gujaf-364	365	3	of	of	ADP
gujaf-364	365	4	green	green	ADJ
gujaf-364	365	5	finance	finance	NOUN
gujaf-364	365	6	,	,	PUNCT
gujaf-364	365	7	fintech	fintech	NOUN
gujaf-364	365	8	and	and	CCONJ
gujaf-364	365	9	digital	digital	ADJ
gujaf-364	365	10	economy	economy	NOUN
gujaf-364	365	11	on	on	ADP
gujaf-364	365	12	environmental	environmental	ADJ
gujaf-364	365	13	sustainability	sustainability	NOUN
gujaf-364	365	14	.	.	PUNCT
gujaf-364	366	1	international	international	ADJ
gujaf-364	366	2	journal	journal	PROPN
gujaf-364	366	3	of	of	ADP
gujaf-364	366	4	energy	energy	NOUN
gujaf-364	366	5	economics	economic	NOUN
gujaf-364	366	6	and	and	CCONJ
gujaf-364	366	7	policy	policy	NOUN
gujaf-364	366	8	,	,	PUNCT
gujaf-364	366	9	14(6	14(6	NOUN
gujaf-364	366	10	)	)	PUNCT
gujaf-364	366	11	,	,	PUNCT
gujaf-364	366	12	621–627	621–627	NUM
gujaf-364	366	13	.	.	PUNCT
gujaf-364	367	1	ibrahim	ibrahim	PROPN
gujaf-364	367	2	,	,	PUNCT
gujaf-364	367	3	m.	m.	NOUN
gujaf-364	367	4	,	,	PUNCT
gujaf-364	367	5	shafiullah	shafiullah	PROPN
gujaf-364	367	6	,	,	PUNCT
gujaf-364	367	7	g.	g.	PROPN
gujaf-364	367	8	m.	m.	PROPN
gujaf-364	367	9	,	,	PUNCT
gujaf-364	367	10	&	&	CCONJ
gujaf-364	367	11	al	al	PROPN
gujaf-364	367	12	mamun	mamun	PROPN
gujaf-364	367	13	,	,	PUNCT
gujaf-364	367	14	a.	a.	NOUN
gujaf-364	367	15	(	(	PUNCT
gujaf-364	367	16	2024	2024	NUM
gujaf-364	367	17	)	)	PUNCT
gujaf-364	367	18	.	.	PUNCT
gujaf-364	368	1	mobile	mobile	ADJ
gujaf-364	368	2	finance	finance	NOUN
gujaf-364	368	3	and	and	CCONJ
gujaf-364	368	4	green	green	ADJ
gujaf-364	368	5	technology	technology	NOUN
gujaf-364	368	6	adoption	adoption	NOUN
gujaf-364	368	7	in	in	ADP
gujaf-364	368	8	rural	rural	ADJ
gujaf-364	368	9	communities	community	NOUN
gujaf-364	368	10	.	.	PUNCT
gujaf-364	369	1	energy	energy	NOUN
gujaf-364	369	2	for	for	ADP
gujaf-364	369	3	sustainable	sustainable	ADJ
gujaf-364	369	4	development	development	NOUN
gujaf-364	369	5	,	,	PUNCT
gujaf-364	369	6	53	53	NUM
gujaf-364	369	7	,	,	PUNCT
gujaf-364	369	8	175–185	175–185	NUM
gujaf-364	369	9	.	.	PUNCT
gujaf-364	370	1	kareem	kareem	PROPN
gujaf-364	370	2	,	,	PUNCT
gujaf-364	370	3	y.	y.	PROPN
gujaf-364	370	4	a.	a.	PROPN
gujaf-364	370	5	,	,	PUNCT
gujaf-364	370	6	bello	bello	PROPN
gujaf-364	370	7	,	,	PUNCT
gujaf-364	370	8	a.	a.	NOUN
gujaf-364	370	9	a.	a.	PROPN
gujaf-364	370	10	,	,	PUNCT
gujaf-364	370	11	&	&	CCONJ
gujaf-364	370	12	hassan	hassan	PROPN
gujaf-364	370	13	,	,	PUNCT
gujaf-364	370	14	o.	o.	PROPN
gujaf-364	370	15	(	(	PUNCT
gujaf-364	370	16	2022	2022	NUM
gujaf-364	370	17	)	)	PUNCT
gujaf-364	370	18	.	.	PUNCT
gujaf-364	371	1	institutional	institutional	ADJ
gujaf-364	371	2	quality	quality	NOUN
gujaf-364	371	3	and	and	CCONJ
gujaf-364	371	4	green	green	ADJ
gujaf-364	371	5	energy	energy	NOUN
gujaf-364	371	6	investment	investment	NOUN
gujaf-364	371	7	in	in	ADP
gujaf-364	371	8	developing	develop	VERB
gujaf-364	371	9	economies	economy	NOUN
gujaf-364	371	10	.	.	PUNCT
gujaf-364	372	1	energy	energy	NOUN
gujaf-364	372	2	economics	economic	NOUN
gujaf-364	372	3	,	,	PUNCT
gujaf-364	372	4	110	110	NUM
gujaf-364	372	5	,	,	PUNCT
gujaf-364	372	6	106002	106002	NUM
gujaf-364	372	7	.	.	PUNCT
gujaf-364	373	1	gusau	gusau	PROPN
gujaf-364	373	2	journal	journal	PROPN
gujaf-364	373	3	of	of	ADP
gujaf-364	373	4	accounting	accounting	NOUN
gujaf-364	373	5	and	and	CCONJ
gujaf-364	373	6	finance	finance	NOUN
gujaf-364	373	7	,	,	PUNCT
gujaf-364	373	8	vol.6	vol.6	PROPN
gujaf-364	373	9	,	,	PUNCT
gujaf-364	373	10	issue	issue	NOUN
gujaf-364	373	11	1	1	NUM
gujaf-364	373	12	,	,	PUNCT
gujaf-364	373	13	april	april	PROPN
gujaf-364	373	14	,	,	PUNCT
gujaf-364	373	15	2025	2025	NUM
gujaf-364	373	16	16	16	NUM
gujaf-364	373	17	karim	karim	PROPN
gujaf-364	373	18	,	,	PUNCT
gujaf-364	373	19	n.	n.	NOUN
gujaf-364	373	20	,	,	PUNCT
gujaf-364	373	21	nguyen	nguyen	NOUN
gujaf-364	373	22	,	,	PUNCT
gujaf-364	373	23	t.	t.	PROPN
gujaf-364	373	24	p.	p.	PROPN
gujaf-364	373	25	,	,	PUNCT
gujaf-364	373	26	&	&	CCONJ
gujaf-364	373	27	le	le	PROPN
gujaf-364	373	28	,	,	PUNCT
gujaf-364	373	29	t.	t.	PROPN
gujaf-364	373	30	h.	h.	PROPN
gujaf-364	373	31	(	(	PUNCT
gujaf-364	373	32	2022	2022	NUM
gujaf-364	373	33	)	)	PUNCT
gujaf-364	373	34	.	.	PUNCT
gujaf-364	374	1	fintech	fintech	NOUN
gujaf-364	374	2	and	and	CCONJ
gujaf-364	374	3	green	green	ADJ
gujaf-364	374	4	investment	investment	NOUN
gujaf-364	374	5	in	in	ADP
gujaf-364	374	6	southeast	southeast	ADJ
gujaf-364	374	7	asia	asia	PROPN
gujaf-364	374	8	:	:	PUNCT
gujaf-364	374	9	a	a	DET
gujaf-364	374	10	dynamic	dynamic	ADJ
gujaf-364	374	11	causality	causality	NOUN
gujaf-364	374	12	analysis	analysis	NOUN
gujaf-364	374	13	.	.	PUNCT
gujaf-364	375	1	energy	energy	NOUN
gujaf-364	375	2	economics	economic	NOUN
gujaf-364	375	3	,	,	PUNCT
gujaf-364	375	4	110	110	NUM
gujaf-364	375	5	,	,	PUNCT
gujaf-364	375	6	106200	106200	NUM
gujaf-364	375	7	.	.	PUNCT
gujaf-364	376	1	le	le	PROPN
gujaf-364	376	2	,	,	PUNCT
gujaf-364	376	3	t.	t.	PROPN
gujaf-364	376	4	h.	h.	PROPN
gujaf-364	376	5	,	,	PUNCT
gujaf-364	376	6	&	&	CCONJ
gujaf-364	376	7	nguyen	nguyen	PROPN
gujaf-364	376	8	,	,	PUNCT
gujaf-364	376	9	p.	p.	NOUN
gujaf-364	376	10	t.	t.	PROPN
gujaf-364	376	11	(	(	PUNCT
gujaf-364	376	12	2022	2022	NUM
gujaf-364	376	13	)	)	PUNCT
gujaf-364	376	14	.	.	PUNCT
gujaf-364	377	1	fintech	fintech	NOUN
gujaf-364	377	2	and	and	CCONJ
gujaf-364	377	3	green	green	ADJ
gujaf-364	377	4	investment	investment	NOUN
gujaf-364	377	5	in	in	ADP
gujaf-364	377	6	southeast	southeast	ADJ
gujaf-364	377	7	asia	asia	PROPN
gujaf-364	377	8	:	:	PUNCT
gujaf-364	377	9	a	a	DET
gujaf-364	377	10	dynamic	dynamic	ADJ
gujaf-364	377	11	causality	causality	NOUN
gujaf-364	377	12	analysis	analysis	NOUN
gujaf-364	377	13	.	.	PUNCT
gujaf-364	378	1	energy	energy	NOUN
gujaf-364	378	2	economics	economic	NOUN
gujaf-364	378	3	,	,	PUNCT
gujaf-364	378	4	110	110	NUM
gujaf-364	378	5	,	,	PUNCT
gujaf-364	378	6	106200	106200	NUM
gujaf-364	378	7	.	.	PUNCT
gujaf-364	379	1	mealy	mealy	ADJ
gujaf-364	379	2	,	,	PUNCT
gujaf-364	379	3	p.	p.	NOUN
gujaf-364	379	4	,	,	PUNCT
gujaf-364	379	5	&	&	CCONJ
gujaf-364	379	6	teytelboym	teytelboym	PROPN
gujaf-364	379	7	,	,	PUNCT
gujaf-364	379	8	a.	a.	NOUN
gujaf-364	379	9	(	(	PUNCT
gujaf-364	379	10	2020	2020	NUM
gujaf-364	379	11	)	)	PUNCT
gujaf-364	379	12	.	.	PUNCT
gujaf-364	380	1	rethinking	rethink	VERB
gujaf-364	380	2	the	the	DET
gujaf-364	380	3	economics	economic	NOUN
gujaf-364	380	4	of	of	ADP
gujaf-364	380	5	photovoltaic	photovoltaic	NOUN
gujaf-364	380	6	deployment	deployment	NOUN
gujaf-364	380	7	through	through	ADP
gujaf-364	380	8	green	green	ADJ
gujaf-364	380	9	finance	finance	NOUN
gujaf-364	380	10	.	.	PUNCT
gujaf-364	381	1	energy	energy	NOUN
gujaf-364	381	2	policy	policy	NOUN
gujaf-364	381	3	,	,	PUNCT
gujaf-364	381	4	139	139	NUM
gujaf-364	381	5	,	,	PUNCT
gujaf-364	381	6	111329	111329	NUM
gujaf-364	381	7	.	.	PUNCT
gujaf-364	382	1	metawa	metawa	PROPN
gujaf-364	382	2	,	,	PUNCT
gujaf-364	382	3	s.	s.	PROPN
gujaf-364	382	4	,	,	PUNCT
gujaf-364	382	5	rezk	rezk	PROPN
gujaf-364	382	6	,	,	PUNCT
gujaf-364	382	7	a.	a.	NOUN
gujaf-364	382	8	,	,	PUNCT
gujaf-364	382	9	&	&	CCONJ
gujaf-364	382	10	elbeltagi	elbeltagi	PROPN
gujaf-364	382	11	,	,	PUNCT
gujaf-364	382	12	i.	i.	PROPN
gujaf-364	382	13	(	(	PUNCT
gujaf-364	382	14	2024	2024	NUM
gujaf-364	382	15	)	)	PUNCT
gujaf-364	382	16	.	.	PUNCT
gujaf-364	383	1	governing	govern	VERB
gujaf-364	383	2	fintech	fintech	NOUN
gujaf-364	383	3	for	for	ADP
gujaf-364	383	4	low	low	ADJ
gujaf-364	383	5	carbon	carbon	NOUN
gujaf-364	383	6	transition	transition	NOUN
gujaf-364	383	7	:	:	PUNCT
gujaf-364	383	8	evidence	evidence	NOUN
gujaf-364	383	9	from	from	ADP
gujaf-364	383	10	global	global	ADJ
gujaf-364	383	11	regulatory	regulatory	ADJ
gujaf-364	383	12	frameworks	framework	NOUN
gujaf-364	383	13	.	.	PUNCT
gujaf-364	384	1	journal	journal	NOUN
gujaf-364	384	2	of	of	ADP
gujaf-364	384	3	cleaner	clean	ADJ
gujaf-364	384	4	production	production	NOUN
gujaf-364	384	5	,	,	PUNCT
gujaf-364	384	6	380	380	NUM
gujaf-364	384	7	,	,	PUNCT
gujaf-364	384	8	135092	135092	NUM
gujaf-364	384	9	.	.	PUNCT
gujaf-364	385	1	mukherjee	mukherjee	PROPN
gujaf-364	385	2	,	,	PUNCT
gujaf-364	385	3	a.	a.	PROPN
gujaf-364	385	4	,	,	PUNCT
gujaf-364	385	5	&	&	CCONJ
gujaf-364	385	6	dutta	dutta	PROPN
gujaf-364	385	7	,	,	PUNCT
gujaf-364	385	8	r.	r.	PROPN
gujaf-364	385	9	(	(	PUNCT
gujaf-364	385	10	2020	2020	NUM
gujaf-364	385	11	)	)	PUNCT
gujaf-364	385	12	.	.	PUNCT
gujaf-364	386	1	alternative	alternative	ADJ
gujaf-364	386	2	credit	credit	NOUN
gujaf-364	386	3	scoring	scoring	NOUN
gujaf-364	386	4	in	in	ADP
gujaf-364	386	5	emerging	emerge	VERB
gujaf-364	386	6	economies	economy	NOUN
gujaf-364	386	7	:	:	PUNCT
gujaf-364	386	8	mobile	mobile	ADJ
gujaf-364	386	9	data	datum	NOUN
gujaf-364	386	10	and	and	CCONJ
gujaf-364	386	11	solar	solar	ADJ
gujaf-364	386	12	asset	asset	NOUN
gujaf-364	386	13	financing	financing	NOUN
gujaf-364	386	14	.	.	PUNCT
gujaf-364	387	1	journal	journal	PROPN
gujaf-364	387	2	of	of	ADP
gujaf-364	387	3	development	development	NOUN
gujaf-364	387	4	economics	economic	NOUN
gujaf-364	387	5	,	,	PUNCT
gujaf-364	387	6	148	148	NUM
gujaf-364	387	7	,	,	PUNCT
gujaf-364	387	8	102519	102519	NUM
gujaf-364	387	9	.	.	PUNCT
gujaf-364	388	1	north	north	NOUN
gujaf-364	388	2	,	,	PUNCT
gujaf-364	388	3	d.	d.	PROPN
gujaf-364	388	4	c.	c.	PROPN
gujaf-364	388	5	(	(	PUNCT
gujaf-364	388	6	1990	1990	NUM
gujaf-364	388	7	)	)	PUNCT
gujaf-364	388	8	.	.	PUNCT
gujaf-364	389	1	institutions	institution	NOUN
gujaf-364	389	2	,	,	PUNCT
gujaf-364	389	3	institutional	institutional	ADJ
gujaf-364	389	4	change	change	NOUN
gujaf-364	389	5	and	and	CCONJ
gujaf-364	389	6	economic	economic	ADJ
gujaf-364	389	7	performance	performance	NOUN
gujaf-364	389	8	.	.	PUNCT
gujaf-364	390	1	cambridge	cambridge	PROPN
gujaf-364	390	2	university	university	PROPN
gujaf-364	390	3	press	press	NOUN
gujaf-364	390	4	.	.	PUNCT
gujaf-364	391	1	ozili	ozili	NOUN
gujaf-364	391	2	,	,	PUNCT
gujaf-364	391	3	p.	p.	PROPN
gujaf-364	391	4	k.	k.	PROPN
gujaf-364	392	1	(	(	PUNCT
gujaf-364	392	2	2021	2021	NUM
gujaf-364	392	3	)	)	PUNCT
gujaf-364	392	4	.	.	PUNCT
gujaf-364	393	1	fintech	fintech	NOUN
gujaf-364	393	2	in	in	ADP
gujaf-364	393	3	nigeria	nigeria	PROPN
gujaf-364	393	4	:	:	PUNCT
gujaf-364	393	5	state	state	NOUN
gujaf-364	393	6	of	of	ADP
gujaf-364	393	7	the	the	DET
gujaf-364	393	8	art	art	NOUN
gujaf-364	393	9	and	and	CCONJ
gujaf-364	393	10	the	the	DET
gujaf-364	393	11	lessons	lesson	NOUN
gujaf-364	393	12	for	for	ADP
gujaf-364	393	13	africa	africa	PROPN
gujaf-364	393	14	.	.	PUNCT
gujaf-364	394	1	contemporary	contemporary	ADJ
gujaf-364	394	2	studies	study	NOUN
gujaf-364	394	3	in	in	ADP
gujaf-364	394	4	economic	economic	ADJ
gujaf-364	394	5	and	and	CCONJ
gujaf-364	394	6	financial	financial	ADJ
gujaf-364	394	7	analysis	analysis	NOUN
gujaf-364	394	8	,	,	PUNCT
gujaf-364	394	9	107	107	NUM
gujaf-364	394	10	,	,	PUNCT
gujaf-364	394	11	203–215	203–215	NUM
gujaf-364	394	12	.	.	PUNCT
gujaf-364	394	13	ozili	ozili	NOUN
gujaf-364	394	14	,	,	PUNCT
gujaf-364	394	15	p.	p.	PROPN
gujaf-364	394	16	k.	k.	PROPN
gujaf-364	395	1	(	(	PUNCT
gujaf-364	395	2	2023	2023	NUM
gujaf-364	395	3	)	)	PUNCT
gujaf-364	395	4	.	.	PUNCT
gujaf-364	396	1	digital	digital	ADJ
gujaf-364	396	2	finance	finance	NOUN
gujaf-364	396	3	and	and	CCONJ
gujaf-364	396	4	climate	climate	NOUN
gujaf-364	396	5	change	change	NOUN
gujaf-364	396	6	:	:	PUNCT
gujaf-364	396	7	a	a	DET
gujaf-364	396	8	review	review	NOUN
gujaf-364	396	9	.	.	PUNCT
gujaf-364	397	1	environmental	environmental	ADJ
gujaf-364	397	2	science	science	NOUN
gujaf-364	397	3	and	and	CCONJ
gujaf-364	397	4	pollution	pollution	NOUN
gujaf-364	397	5	research	research	NOUN
gujaf-364	397	6	,	,	PUNCT
gujaf-364	397	7	30	30	NUM
gujaf-364	397	8	,	,	PUNCT
gujaf-364	397	9	34567–34582	34567–34582	NUM
gujaf-364	397	10	.	.	PUNCT
gujaf-364	398	1	raimi	raimi	PROPN
gujaf-364	398	2	,	,	PUNCT
gujaf-364	398	3	l.	l.	PROPN
gujaf-364	398	4	,	,	PUNCT
gujaf-364	398	5	ayankoya	ayankoya	ADJ
gujaf-364	398	6	,	,	PUNCT
gujaf-364	398	7	k.	k.	PROPN
gujaf-364	398	8	,	,	PUNCT
gujaf-364	398	9	&	&	CCONJ
gujaf-364	398	10	odetayo	odetayo	PROPN
gujaf-364	398	11	,	,	PUNCT
gujaf-364	398	12	t.	t.	NOUN
gujaf-364	398	13	(	(	PUNCT
gujaf-364	398	14	2023	2023	NUM
gujaf-364	398	15	)	)	PUNCT
gujaf-364	398	16	.	.	PUNCT
gujaf-364	399	1	fintech	fintech	NOUN
gujaf-364	399	2	and	and	CCONJ
gujaf-364	399	3	climate	climate	NOUN
gujaf-364	399	4	financing	financing	NOUN
gujaf-364	399	5	:	:	PUNCT
gujaf-364	399	6	can	can	AUX
gujaf-364	399	7	africa	africa	AUX
gujaf-364	399	8	leapfrog	leapfrog	VERB
gujaf-364	399	9	to	to	ADP
gujaf-364	399	10	a	a	DET
gujaf-364	399	11	green	green	ADJ
gujaf-364	399	12	digital	digital	ADJ
gujaf-364	399	13	economy	economy	NOUN
gujaf-364	399	14	?	?	PUNCT
gujaf-364	400	1	journal	journal	NOUN
gujaf-364	400	2	of	of	ADP
gujaf-364	400	3	cleaner	clean	ADJ
gujaf-364	400	4	production	production	NOUN
gujaf-364	400	5	,	,	PUNCT
gujaf-364	400	6	418	418	NUM
gujaf-364	400	7	,	,	PUNCT
gujaf-364	400	8	137913	137913	NUM
gujaf-364	400	9	.	.	PUNCT
gujaf-364	401	1	rahman	rahman	PROPN
gujaf-364	401	2	,	,	PUNCT
gujaf-364	401	3	m.	m.	NOUN
gujaf-364	401	4	m.	m.	NOUN
gujaf-364	401	5	,	,	PUNCT
gujaf-364	401	6	saidi	saidi	PROPN
gujaf-364	401	7	,	,	PUNCT
gujaf-364	401	8	k.	k.	PROPN
gujaf-364	401	9	,	,	PUNCT
gujaf-364	401	10	&	&	CCONJ
gujaf-364	401	11	hossain	hossain	PROPN
gujaf-364	401	12	,	,	PUNCT
gujaf-364	401	13	m.	m.	NOUN
gujaf-364	401	14	s.	s.	PROPN
gujaf-364	401	15	(	(	PUNCT
gujaf-364	401	16	2023	2023	NUM
gujaf-364	401	17	)	)	PUNCT
gujaf-364	401	18	.	.	PUNCT
gujaf-364	402	1	do	do	AUX
gujaf-364	402	2	information	information	NOUN
gujaf-364	402	3	and	and	CCONJ
gujaf-364	402	4	communication	communication	NOUN
gujaf-364	402	5	technologies	technology	NOUN
gujaf-364	402	6	foster	foster	VERB
gujaf-364	402	7	the	the	DET
gujaf-364	402	8	transition	transition	NOUN
gujaf-364	402	9	toward	toward	ADP
gujaf-364	402	10	green	green	ADJ
gujaf-364	402	11	growth	growth	NOUN
gujaf-364	402	12	?	?	PUNCT
gujaf-364	403	1	evidence	evidence	NOUN
gujaf-364	403	2	from	from	ADP
gujaf-364	403	3	low	low	ADJ
gujaf-364	403	4	-	-	PUNCT
gujaf-364	403	5	income	income	NOUN
gujaf-364	403	6	and	and	CCONJ
gujaf-364	403	7	lower	lower	ADV
gujaf-364	403	8	-	-	PUNCT
gujaf-364	403	9	middle	middle	ADJ
gujaf-364	403	10	-	-	PUNCT
gujaf-364	403	11	income	income	NOUN
gujaf-364	403	12	countries	country	NOUN
gujaf-364	403	13	.	.	PUNCT
gujaf-364	404	1	environmental	environmental	ADJ
gujaf-364	404	2	science	science	NOUN
gujaf-364	404	3	and	and	CCONJ
gujaf-364	404	4	pollution	pollution	NOUN
gujaf-364	404	5	research	research	NOUN
gujaf-364	404	6	,	,	PUNCT
gujaf-364	404	7	30	30	NUM
gujaf-364	404	8	,	,	PUNCT
gujaf-364	404	9	13608–13626	13608–13626	NUM
gujaf-364	404	10	.	.	PUNCT
gujaf-364	405	1	rana	rana	PROPN
gujaf-364	405	2	,	,	PUNCT
gujaf-364	405	3	r.	r.	PROPN
gujaf-364	405	4	h.	h.	PROPN
gujaf-364	405	5	,	,	PUNCT
gujaf-364	405	6	rana	rana	PROPN
gujaf-364	405	7	,	,	PUNCT
gujaf-364	405	8	p.	p.	PROPN
gujaf-364	405	9	,	,	PUNCT
gujaf-364	405	10	&	&	CCONJ
gujaf-364	405	11	islam	islam	PROPN
gujaf-364	405	12	,	,	PUNCT
gujaf-364	405	13	r.	r.	PROPN
gujaf-364	405	14	(	(	PUNCT
gujaf-364	405	15	2024	2024	NUM
gujaf-364	405	16	)	)	PUNCT
gujaf-364	405	17	.	.	PUNCT
gujaf-364	406	1	fintech	fintech	NOUN
gujaf-364	406	2	-	-	PUNCT
gujaf-364	406	3	driven	drive	VERB
gujaf-364	406	4	microfinance	microfinance	NOUN
gujaf-364	406	5	and	and	CCONJ
gujaf-364	406	6	renewable	renewable	ADJ
gujaf-364	406	7	energy	energy	NOUN
gujaf-364	406	8	access	access	NOUN
gujaf-364	406	9	:	:	PUNCT
gujaf-364	406	10	evidence	evidence	NOUN
gujaf-364	406	11	from	from	ADP
gujaf-364	406	12	south	south	PROPN
gujaf-364	406	13	asia	asia	PROPN
gujaf-364	406	14	.	.	PUNCT
gujaf-364	407	1	energy	energy	NOUN
gujaf-364	407	2	research	research	PROPN
gujaf-364	407	3	&	&	CCONJ
gujaf-364	407	4	social	social	ADJ
gujaf-364	407	5	science	science	NOUN
gujaf-364	407	6	,	,	PUNCT
gujaf-364	407	7	104	104	NUM
gujaf-364	407	8	,	,	PUNCT
gujaf-364	407	9	103362	103362	NUM
gujaf-364	407	10	.	.	PUNCT
gujaf-364	408	1	ravindra	ravindra	PROPN
gujaf-364	408	2	,	,	PUNCT
gujaf-364	408	3	a.	a.	PROPN
gujaf-364	408	4	,	,	PUNCT
gujaf-364	408	5	&	&	CCONJ
gujaf-364	408	6	lobo	lobo	PROPN
gujaf-364	408	7	,	,	PUNCT
gujaf-364	408	8	c.	c.	PROPN
gujaf-364	408	9	(	(	PUNCT
gujaf-364	408	10	2020	2020	NUM
gujaf-364	408	11	)	)	PUNCT
gujaf-364	408	12	.	.	PUNCT
gujaf-364	409	1	financial	financial	ADJ
gujaf-364	409	2	innovation	innovation	NOUN
gujaf-364	409	3	and	and	CCONJ
gujaf-364	409	4	energy	energy	NOUN
gujaf-364	409	5	access	access	NOUN
gujaf-364	409	6	:	:	PUNCT
gujaf-364	409	7	pay	pay	NOUN
gujaf-364	409	8	-	-	PUNCT
gujaf-364	409	9	as	as	ADP
gujaf-364	409	10	-	-	PUNCT
gujaf-364	409	11	you	you	PRON
gujaf-364	409	12	-	-	PUNCT
gujaf-364	409	13	go	go	VERB
gujaf-364	409	14	solar	solar	ADJ
gujaf-364	409	15	in	in	ADP
gujaf-364	409	16	india	india	PROPN
gujaf-364	409	17	.	.	PUNCT
gujaf-364	410	1	renewable	renewable	ADJ
gujaf-364	410	2	and	and	CCONJ
gujaf-364	410	3	sustainable	sustainable	ADJ
gujaf-364	410	4	energy	energy	NOUN
gujaf-364	410	5	reviews	review	NOUN
gujaf-364	410	6	,	,	PUNCT
gujaf-364	410	7	131	131	NUM
gujaf-364	410	8	,	,	PUNCT
gujaf-364	410	9	110015	110015	NUM
gujaf-364	410	10	.	.	PUNCT
gujaf-364	411	1	ren	ren	PROPN
gujaf-364	411	2	,	,	PUNCT
gujaf-364	411	3	s.	s.	PROPN
gujaf-364	411	4	,	,	PUNCT
gujaf-364	411	5	hao	hao	PROPN
gujaf-364	411	6	,	,	PUNCT
gujaf-364	411	7	y.	y.	PROPN
gujaf-364	411	8	,	,	PUNCT
gujaf-364	411	9	&	&	CCONJ
gujaf-364	411	10	xu	xu	PROPN
gujaf-364	411	11	,	,	PUNCT
gujaf-364	411	12	l.	l.	PROPN
gujaf-364	411	13	(	(	PUNCT
gujaf-364	411	14	2021	2021	NUM
gujaf-364	411	15	)	)	PUNCT
gujaf-364	411	16	.	.	PUNCT
gujaf-364	412	1	digital	digital	ADJ
gujaf-364	412	2	finance	finance	NOUN
gujaf-364	412	3	and	and	CCONJ
gujaf-364	412	4	renewable	renewable	ADJ
gujaf-364	412	5	energy	energy	NOUN
gujaf-364	412	6	consumption	consumption	NOUN
gujaf-364	412	7	:	:	PUNCT
gujaf-364	412	8	evidence	evidence	NOUN
gujaf-364	412	9	from	from	ADP
gujaf-364	412	10	30	30	NUM
gujaf-364	412	11	chinese	chinese	ADJ
gujaf-364	412	12	provinces	province	NOUN
gujaf-364	412	13	.	.	PUNCT
gujaf-364	413	1	energy	energy	NOUN
gujaf-364	413	2	economics	economic	NOUN
gujaf-364	413	3	,	,	PUNCT
gujaf-364	413	4	99	99	NUM
gujaf-364	413	5	,	,	PUNCT
gujaf-364	413	6	105271	105271	NUM
gujaf-364	413	7	.	.	PUNCT
gujaf-364	414	1	sahay	sahay	PROPN
gujaf-364	414	2	,	,	PUNCT
gujaf-364	414	3	r.	r.	PROPN
gujaf-364	414	4	,	,	PUNCT
gujaf-364	414	5	čihák	čihák	VERB
gujaf-364	414	6	,	,	PUNCT
gujaf-364	414	7	m.	m.	NOUN
gujaf-364	414	8	,	,	PUNCT
gujaf-364	414	9	n’diaye	n’diaye	PROPN
gujaf-364	414	10	,	,	PUNCT
gujaf-364	414	11	p.	p.	NOUN
gujaf-364	414	12	m.	m.	NOUN
gujaf-364	414	13	,	,	PUNCT
gujaf-364	414	14	barajas	barajas	PROPN
gujaf-364	414	15	,	,	PUNCT
gujaf-364	414	16	a.	a.	PROPN
gujaf-364	414	17	,	,	PUNCT
gujaf-364	414	18	mitra	mitra	PROPN
gujaf-364	414	19	,	,	PUNCT
gujaf-364	414	20	s.	s.	PROPN
gujaf-364	414	21	,	,	PUNCT
gujaf-364	414	22	kyobe	kyobe	PROPN
gujaf-364	414	23	,	,	PUNCT
gujaf-364	414	24	a.	a.	PROPN
gujaf-364	414	25	,	,	PUNCT
gujaf-364	414	26	&	&	CCONJ
gujaf-364	414	27	mooi	mooi	PROPN
gujaf-364	414	28	,	,	PUNCT
gujaf-364	414	29	y.	y.	PROPN
gujaf-364	414	30	n.	n.	PROPN
gujaf-364	414	31	(	(	PUNCT
gujaf-364	414	32	2015	2015	NUM
gujaf-364	414	33	)	)	PUNCT
gujaf-364	414	34	.	.	PUNCT
gujaf-364	415	1	rethinking	rethink	VERB
gujaf-364	415	2	financial	financial	ADJ
gujaf-364	415	3	deepening	deepening	NOUN
gujaf-364	415	4	:	:	PUNCT
gujaf-364	415	5	stability	stability	NOUN
gujaf-364	415	6	and	and	CCONJ
gujaf-364	415	7	growth	growth	NOUN
gujaf-364	415	8	in	in	ADP
gujaf-364	415	9	emerging	emerge	VERB
gujaf-364	415	10	markets	market	NOUN
gujaf-364	415	11	.	.	PUNCT
gujaf-364	416	1	international	international	ADJ
gujaf-364	416	2	monetary	monetary	ADJ
gujaf-364	416	3	fund	fund	PROPN
gujaf-364	416	4	.	.	PUNCT
gujaf-364	417	1	samarina	samarina	PROPN
gujaf-364	417	2	,	,	PUNCT
gujaf-364	417	3	a.	a.	NOUN
gujaf-364	417	4	,	,	PUNCT
gujaf-364	417	5	&	&	CCONJ
gujaf-364	417	6	bezemer	bezemer	PROPN
gujaf-364	417	7	,	,	PUNCT
gujaf-364	417	8	d.	d.	PROPN
gujaf-364	417	9	(	(	PUNCT
gujaf-364	417	10	2016	2016	NUM
gujaf-364	417	11	)	)	PUNCT
gujaf-364	417	12	.	.	PUNCT
gujaf-364	418	1	finance	finance	NOUN
gujaf-364	418	2	and	and	CCONJ
gujaf-364	418	3	income	income	NOUN
gujaf-364	418	4	inequality	inequality	NOUN
gujaf-364	418	5	in	in	ADP
gujaf-364	418	6	developing	develop	VERB
gujaf-364	418	7	countries	country	NOUN
gujaf-364	418	8	:	:	PUNCT
gujaf-364	418	9	the	the	DET
gujaf-364	418	10	role	role	NOUN
gujaf-364	418	11	of	of	ADP
gujaf-364	418	12	institutional	institutional	ADJ
gujaf-364	418	13	quality	quality	NOUN
gujaf-364	418	14	.	.	PUNCT
gujaf-364	419	1	applied	apply	VERB
gujaf-364	419	2	economics	economic	NOUN
gujaf-364	419	3	,	,	PUNCT
gujaf-364	419	4	48(57	48(57	NUM
gujaf-364	419	5	)	)	PUNCT
gujaf-364	419	6	,	,	PUNCT
gujaf-364	419	7	5489–5501	5489–5501	NUM
gujaf-364	419	8	.	.	PUNCT
gujaf-364	419	9	schot	schot	NOUN
gujaf-364	419	10	,	,	PUNCT
gujaf-364	419	11	j.	j.	PROPN
gujaf-364	419	12	,	,	PUNCT
gujaf-364	419	13	&	&	CCONJ
gujaf-364	419	14	steinmueller	steinmueller	NOUN
gujaf-364	419	15	,	,	PUNCT
gujaf-364	419	16	w.	w.	PROPN
gujaf-364	419	17	e.	e.	PROPN
gujaf-364	419	18	(	(	PUNCT
gujaf-364	419	19	2018	2018	NUM
gujaf-364	419	20	)	)	PUNCT
gujaf-364	419	21	.	.	PUNCT
gujaf-364	420	1	three	three	NUM
gujaf-364	420	2	frames	frame	NOUN
gujaf-364	420	3	for	for	ADP
gujaf-364	420	4	innovation	innovation	NOUN
gujaf-364	420	5	policy	policy	NOUN
gujaf-364	420	6	:	:	PUNCT
gujaf-364	420	7	r&d	r&d	NOUN
gujaf-364	420	8	,	,	PUNCT
gujaf-364	420	9	systems	system	NOUN
gujaf-364	420	10	of	of	ADP
gujaf-364	420	11	innovation	innovation	NOUN
gujaf-364	420	12	and	and	CCONJ
gujaf-364	420	13	transformative	transformative	ADJ
gujaf-364	420	14	change	change	NOUN
gujaf-364	420	15	.	.	PUNCT
gujaf-364	421	1	research	research	NOUN
gujaf-364	421	2	policy	policy	NOUN
gujaf-364	421	3	,	,	PUNCT
gujaf-364	421	4	47(9	47(9	NOUN
gujaf-364	421	5	)	)	PUNCT
gujaf-364	421	6	,	,	PUNCT
gujaf-364	421	7	1554–1567	1554–1567	NUM
gujaf-364	421	8	.	.	PUNCT
gujaf-364	422	1	sengupta	sengupta	NOUN
gujaf-364	422	2	,	,	PUNCT
gujaf-364	422	3	r.	r.	PROPN
gujaf-364	422	4	,	,	PUNCT
gujaf-364	422	5	&	&	CCONJ
gujaf-364	422	6	sahay	sahay	PROPN
gujaf-364	422	7	,	,	PUNCT
gujaf-364	422	8	a.	a.	NOUN
gujaf-364	422	9	(	(	PUNCT
gujaf-364	422	10	2022	2022	NUM
gujaf-364	422	11	)	)	PUNCT
gujaf-364	422	12	.	.	PUNCT
gujaf-364	423	1	fintech	fintech	NOUN
gujaf-364	423	2	innovations	innovation	NOUN
gujaf-364	423	3	and	and	CCONJ
gujaf-364	423	4	inclusive	inclusive	ADJ
gujaf-364	423	5	green	green	ADJ
gujaf-364	423	6	finance	finance	NOUN
gujaf-364	423	7	:	:	PUNCT
gujaf-364	423	8	evidence	evidence	NOUN
gujaf-364	423	9	from	from	ADP
gujaf-364	423	10	india	india	PROPN
gujaf-364	423	11	.	.	PUNCT
gujaf-364	424	1	sustainability	sustainability	NOUN
gujaf-364	424	2	,	,	PUNCT
gujaf-364	424	3	14(1	14(1	NUM
gujaf-364	424	4	)	)	PUNCT
gujaf-364	424	5	,	,	PUNCT
gujaf-364	424	6	415	415	NUM
gujaf-364	424	7	.	.	PUNCT
gujaf-364	425	1	sharma	sharma	PROPN
gujaf-364	425	2	,	,	PUNCT
gujaf-364	425	3	a.	a.	PROPN
gujaf-364	425	4	,	,	PUNCT
gujaf-364	425	5	&	&	CCONJ
gujaf-364	425	6	sinha	sinha	PROPN
gujaf-364	425	7	,	,	PUNCT
gujaf-364	425	8	a.	a.	NOUN
gujaf-364	425	9	(	(	PUNCT
gujaf-364	425	10	2023	2023	NUM
gujaf-364	425	11	)	)	PUNCT
gujaf-364	425	12	.	.	PUNCT
gujaf-364	426	1	does	do	AUX
gujaf-364	426	2	fintech	fintech	NOUN
gujaf-364	426	3	development	development	NOUN
gujaf-364	426	4	spur	spur	VERB
gujaf-364	426	5	green	green	ADJ
gujaf-364	426	6	energy	energy	NOUN
gujaf-364	426	7	transition	transition	NOUN
gujaf-364	426	8	?	?	PUNCT
gujaf-364	427	1	new	new	ADJ
gujaf-364	427	2	evidence	evidence	NOUN
gujaf-364	427	3	from	from	ADP
gujaf-364	427	4	dynamic	dynamic	ADJ
gujaf-364	427	5	panel	panel	NOUN
gujaf-364	427	6	threshold	threshold	NOUN
gujaf-364	427	7	regressions	regression	NOUN
gujaf-364	427	8	.	.	PUNCT
gujaf-364	428	1	energy	energy	NOUN
gujaf-364	428	2	economics	economic	NOUN
gujaf-364	428	3	,	,	PUNCT
gujaf-364	428	4	123	123	NUM
gujaf-364	428	5	,	,	PUNCT
gujaf-364	428	6	106712	106712	NUM
gujaf-364	428	7	.	.	PUNCT
gujaf-364	429	1	shen	shen	PROPN
gujaf-364	429	2	,	,	PUNCT
gujaf-364	429	3	y.	y.	PROPN
gujaf-364	429	4	,	,	PUNCT
gujaf-364	429	5	xu	xu	PROPN
gujaf-364	429	6	,	,	PUNCT
gujaf-364	429	7	z.	z.	PROPN
gujaf-364	429	8	,	,	PUNCT
gujaf-364	429	9	&	&	CCONJ
gujaf-364	429	10	dong	dong	PROPN
gujaf-364	429	11	,	,	PUNCT
gujaf-364	429	12	h.	h.	PROPN
gujaf-364	429	13	(	(	PUNCT
gujaf-364	429	14	2022	2022	NUM
gujaf-364	429	15	)	)	PUNCT
gujaf-364	429	16	.	.	PUNCT
gujaf-364	430	1	fintech	fintech	NOUN
gujaf-364	430	2	and	and	CCONJ
gujaf-364	430	3	green	green	ADJ
gujaf-364	430	4	finance	finance	NOUN
gujaf-364	430	5	:	:	PUNCT
gujaf-364	430	6	measuring	measure	VERB
gujaf-364	430	7	the	the	DET
gujaf-364	430	8	impacts	impact	NOUN
gujaf-364	430	9	on	on	ADP
gujaf-364	430	10	environmental	environmental	ADJ
gujaf-364	430	11	sustainability	sustainability	NOUN
gujaf-364	430	12	.	.	PUNCT
gujaf-364	431	1	finance	finance	NOUN
gujaf-364	431	2	research	research	NOUN
gujaf-364	431	3	letters	letter	NOUN
gujaf-364	431	4	,	,	PUNCT
gujaf-364	431	5	45	45	NUM
gujaf-364	431	6	,	,	PUNCT
gujaf-364	431	7	102295	102295	NUM
gujaf-364	431	8	.	.	PUNCT
gujaf-364	432	1	solomon	solomon	PROPN
gujaf-364	432	2	,	,	PUNCT
gujaf-364	432	3	h.	h.	PROPN
gujaf-364	432	4	,	,	PUNCT
gujaf-364	432	5	&	&	CCONJ
gujaf-364	432	6	lin	lin	PROPN
gujaf-364	432	7	,	,	PUNCT
gujaf-364	432	8	z.	z.	PROPN
gujaf-364	432	9	(	(	PUNCT
gujaf-364	432	10	2019	2019	NUM
gujaf-364	432	11	)	)	PUNCT
gujaf-364	432	12	.	.	PUNCT
gujaf-364	433	1	mobile	mobile	ADJ
gujaf-364	433	2	money	money	NOUN
gujaf-364	433	3	and	and	CCONJ
gujaf-364	433	4	the	the	DET
gujaf-364	433	5	performance	performance	NOUN
gujaf-364	433	6	of	of	ADP
gujaf-364	433	7	micro	micro	ADJ
gujaf-364	433	8	and	and	CCONJ
gujaf-364	433	9	small	small	ADJ
gujaf-364	433	10	enterprises	enterprise	NOUN
gujaf-364	433	11	in	in	ADP
gujaf-364	433	12	ethiopia	ethiopia	PROPN
gujaf-364	433	13	.	.	PUNCT
gujaf-364	434	1	world	world	PROPN
gujaf-364	434	2	development	development	PROPN
gujaf-364	434	3	,	,	PUNCT
gujaf-364	434	4	117	117	NUM
gujaf-364	434	5	,	,	PUNCT
gujaf-364	434	6	102–113	102–113	NUM
gujaf-364	434	7	.	.	PUNCT
gujaf-364	435	1	stiglitz	stiglitz	PROPN
gujaf-364	435	2	,	,	PUNCT
gujaf-364	435	3	j.	j.	PROPN
gujaf-364	435	4	e.	e.	PROPN
gujaf-364	435	5	(	(	PUNCT
gujaf-364	435	6	1989	1989	NUM
gujaf-364	435	7	)	)	PUNCT
gujaf-364	435	8	.	.	PUNCT
gujaf-364	436	1	markets	market	NOUN
gujaf-364	436	2	,	,	PUNCT
gujaf-364	436	3	market	market	NOUN
gujaf-364	436	4	failures	failure	NOUN
gujaf-364	436	5	,	,	PUNCT
gujaf-364	436	6	and	and	CCONJ
gujaf-364	436	7	development	development	NOUN
gujaf-364	436	8	.	.	PUNCT
gujaf-364	437	1	american	american	PROPN
gujaf-364	437	2	economic	economic	PROPN
gujaf-364	437	3	review	review	PROPN
gujaf-364	437	4	,	,	PUNCT
gujaf-364	437	5	79(2	79(2	NUM
gujaf-364	437	6	)	)	PUNCT
gujaf-364	437	7	,	,	PUNCT
gujaf-364	437	8	197–203	197–203	NUM
gujaf-364	437	9	.	.	PUNCT
gujaf-364	438	1	https://www.jstor.org/stable/1827753	https://www.jstor.org/stable/1827753	PROPN
gujaf-364	438	2	gusau	gusau	PROPN
gujaf-364	438	3	journal	journal	PROPN
gujaf-364	438	4	of	of	ADP
gujaf-364	438	5	accounting	accounting	NOUN
gujaf-364	438	6	and	and	CCONJ
gujaf-364	438	7	finance	finance	NOUN
gujaf-364	438	8	,	,	PUNCT
gujaf-364	438	9	vol.6	vol.6	PROPN
gujaf-364	438	10	,	,	PUNCT
gujaf-364	438	11	issue	issue	NOUN
gujaf-364	438	12	1	1	NUM
gujaf-364	438	13	,	,	PUNCT
gujaf-364	438	14	april	april	PROPN
gujaf-364	438	15	,	,	PUNCT
gujaf-364	438	16	2025	2025	NUM
gujaf-364	438	17	17	17	NUM
gujaf-364	438	18	tata	tata	NOUN
gujaf-364	438	19	,	,	PUNCT
gujaf-364	438	20	n.	n.	PROPN
gujaf-364	438	21	,	,	PUNCT
gujaf-364	438	22	mensah	mensah	PROPN
gujaf-364	438	23	,	,	PUNCT
gujaf-364	438	24	i.	i.	PROPN
gujaf-364	438	25	,	,	PUNCT
gujaf-364	438	26	&	&	CCONJ
gujaf-364	438	27	amankwah	amankwah	PROPN
gujaf-364	438	28	-	-	PUNCT
gujaf-364	438	29	amoah	amoah	PROPN
gujaf-364	438	30	,	,	PUNCT
gujaf-364	438	31	j.	j.	PROPN
gujaf-364	438	32	(	(	PUNCT
gujaf-364	438	33	2023	2023	NUM
gujaf-364	438	34	)	)	PUNCT
gujaf-364	438	35	.	.	PUNCT
gujaf-364	439	1	fintech	fintech	NOUN
gujaf-364	439	2	and	and	CCONJ
gujaf-364	439	3	renewable	renewable	ADJ
gujaf-364	439	4	energy	energy	NOUN
gujaf-364	439	5	entrepreneurship	entrepreneurship	NOUN
gujaf-364	439	6	in	in	ADP
gujaf-364	439	7	africa	africa	PROPN
gujaf-364	439	8	:	:	PUNCT
gujaf-364	439	9	a	a	DET
gujaf-364	439	10	systematic	systematic	ADJ
gujaf-364	439	11	review	review	NOUN
gujaf-364	439	12	and	and	CCONJ
gujaf-364	439	13	research	research	NOUN
gujaf-364	439	14	agenda	agenda	NOUN
gujaf-364	439	15	.	.	PUNCT
gujaf-364	440	1	journal	journal	PROPN
gujaf-364	440	2	of	of	ADP
gujaf-364	440	3	business	business	NOUN
gujaf-364	440	4	research	research	NOUN
gujaf-364	440	5	,	,	PUNCT
gujaf-364	440	6	157	157	NUM
gujaf-364	440	7	,	,	PUNCT
gujaf-364	440	8	113592	113592	NUM
gujaf-364	440	9	.	.	PUNCT
gujaf-364	441	1	triki	triki	PROPN
gujaf-364	441	2	,	,	PUNCT
gujaf-364	441	3	t.	t.	PROPN
gujaf-364	441	4	,	,	PUNCT
gujaf-364	441	5	&	&	CCONJ
gujaf-364	441	6	faye	faye	PROPN
gujaf-364	441	7	,	,	PUNCT
gujaf-364	441	8	i.	i.	PROPN
gujaf-364	441	9	(	(	PUNCT
gujaf-364	441	10	2013	2013	NUM
gujaf-364	441	11	)	)	PUNCT
gujaf-364	441	12	.	.	PUNCT
gujaf-364	442	1	financial	financial	ADJ
gujaf-364	442	2	inclusion	inclusion	NOUN
gujaf-364	442	3	in	in	ADP
gujaf-364	442	4	africa	africa	PROPN
gujaf-364	442	5	.	.	PUNCT
gujaf-364	443	1	african	african	PROPN
gujaf-364	443	2	development	development	PROPN
gujaf-364	443	3	bank	bank	PROPN
gujaf-364	443	4	.	.	PUNCT
gujaf-364	444	1	https://www.afdb.org/fileadmin/uploads/afdb/documents/project-andoperations/financial_inclusion_in_africa.pdf	https://www.afdb.org/fileadmin/uploads/afdb/documents/project-andoperations/financial_inclusion_in_africa.pdf	PROPN
gujaf-364	444	2	unctad	unctad	PROPN
gujaf-364	444	3	.	.	PUNCT
gujaf-364	445	1	(	(	PUNCT
gujaf-364	445	2	2023	2023	NUM
gujaf-364	445	3	)	)	PUNCT
gujaf-364	445	4	.	.	PUNCT
gujaf-364	446	1	world	world	NOUN
gujaf-364	446	2	investment	investment	NOUN
gujaf-364	446	3	report	report	NOUN
gujaf-364	446	4	2023	2023	NUM
gujaf-364	446	5	:	:	PUNCT
gujaf-364	446	6	investing	invest	VERB
gujaf-364	446	7	in	in	ADP
gujaf-364	446	8	sustainable	sustainable	ADJ
gujaf-364	446	9	energy	energy	NOUN
gujaf-364	446	10	for	for	ADP
gujaf-364	446	11	all	all	PRON
gujaf-364	446	12	.	.	PUNCT
gujaf-364	447	1	united	united	PROPN
gujaf-364	447	2	nations	nations	PROPN
gujaf-364	447	3	.	.	PUNCT
gujaf-364	448	1	https://unctad.org/webflyer/world-investment-report-2023	https://unctad.org/webflyer/world-investment-report-2023	PROPN
gujaf-364	448	2	unep	unep	PROPN
gujaf-364	448	3	.	.	PUNCT
gujaf-364	449	1	(	(	PUNCT
gujaf-364	449	2	2022	2022	NUM
gujaf-364	449	3	)	)	PUNCT
gujaf-364	449	4	.	.	PUNCT
gujaf-364	450	1	state	state	NOUN
gujaf-364	450	2	of	of	ADP
gujaf-364	450	3	finance	finance	NOUN
gujaf-364	450	4	for	for	ADP
gujaf-364	450	5	nature	nature	NOUN
gujaf-364	450	6	2022	2022	NUM
gujaf-364	450	7	.	.	PUNCT
gujaf-364	451	1	united	united	PROPN
gujaf-364	451	2	nations	nations	PROPN
gujaf-364	451	3	environment	environment	PROPN
gujaf-364	451	4	programme	programme	PROPN
gujaf-364	451	5	.	.	PUNCT
gujaf-364	452	1	https://www.unep.org/resources/state-finance-nature-2022	https://www.unep.org/resources/state-finance-nature-2022	PROPN
gujaf-364	452	2	united	united	PROPN
gujaf-364	452	3	nations	nations	PROPN
gujaf-364	452	4	.	.	PUNCT
gujaf-364	453	1	(	(	PUNCT
gujaf-364	453	2	2015	2015	NUM
gujaf-364	453	3	)	)	PUNCT
gujaf-364	453	4	.	.	PUNCT
gujaf-364	454	1	transforming	transform	VERB
gujaf-364	454	2	our	our	PRON
gujaf-364	454	3	world	world	NOUN
gujaf-364	454	4	:	:	PUNCT
gujaf-364	454	5	the	the	DET
gujaf-364	454	6	2030	2030	NUM
gujaf-364	454	7	agenda	agenda	NOUN
gujaf-364	454	8	for	for	ADP
gujaf-364	454	9	sustainable	sustainable	ADJ
gujaf-364	454	10	development	development	NOUN
gujaf-364	454	11	.	.	PUNCT
gujaf-364	455	1	van	van	PROPN
gujaf-364	455	2	horen	horen	PROPN
gujaf-364	455	3	,	,	PUNCT
gujaf-364	455	4	n.	n.	NOUN
gujaf-364	455	5	(	(	PUNCT
gujaf-364	455	6	2020	2020	NUM
gujaf-364	455	7	)	)	PUNCT
gujaf-364	455	8	.	.	PUNCT
gujaf-364	456	1	the	the	DET
gujaf-364	456	2	promise	promise	NOUN
gujaf-364	456	3	of	of	ADP
gujaf-364	456	4	fintech	fintech	NOUN
gujaf-364	456	5	for	for	ADP
gujaf-364	456	6	green	green	ADJ
gujaf-364	456	7	financing	financing	NOUN
gujaf-364	456	8	in	in	ADP
gujaf-364	456	9	emerging	emerge	VERB
gujaf-364	456	10	economies	economy	NOUN
gujaf-364	456	11	.	.	PUNCT
gujaf-364	457	1	global	global	ADJ
gujaf-364	457	2	policy	policy	NOUN
gujaf-364	457	3	,	,	PUNCT
gujaf-364	457	4	11(s2	11(s2	NUM
gujaf-364	457	5	)	)	PUNCT
gujaf-364	457	6	,	,	PUNCT
gujaf-364	457	7	43–52	43–52	NUM
gujaf-364	457	8	.	.	PUNCT
gujaf-364	458	1	https://doi.org/10.1111/1758-5899.12778	https://doi.org/10.1111/1758-5899.12778	PROPN
gujaf-364	458	2	wang	wang	PROPN
gujaf-364	458	3	,	,	PUNCT
gujaf-364	458	4	q.	q.	PROPN
gujaf-364	458	5	,	,	PUNCT
gujaf-364	458	6	su	su	PROPN
gujaf-364	458	7	,	,	PUNCT
gujaf-364	458	8	m.	m.	NOUN
gujaf-364	458	9	,	,	PUNCT
gujaf-364	458	10	&	&	CCONJ
gujaf-364	458	11	li	li	PROPN
gujaf-364	458	12	,	,	PUNCT
gujaf-364	458	13	r.	r.	PROPN
gujaf-364	458	14	(	(	PUNCT
gujaf-364	458	15	2022	2022	NUM
gujaf-364	458	16	)	)	PUNCT
gujaf-364	458	17	.	.	PUNCT
gujaf-364	459	1	does	do	AUX
gujaf-364	459	2	financial	financial	ADJ
gujaf-364	459	3	inclusion	inclusion	NOUN
gujaf-364	459	4	affect	affect	VERB
gujaf-364	459	5	renewable	renewable	ADJ
gujaf-364	459	6	energy	energy	NOUN
gujaf-364	459	7	consumption	consumption	NOUN
gujaf-364	459	8	?	?	PUNCT
gujaf-364	460	1	evidence	evidence	NOUN
gujaf-364	460	2	from	from	ADP
gujaf-364	460	3	emerging	emerge	VERB
gujaf-364	460	4	and	and	CCONJ
gujaf-364	460	5	developing	develop	VERB
gujaf-364	460	6	countries	country	NOUN
gujaf-364	460	7	.	.	PUNCT
gujaf-364	461	1	energy	energy	NOUN
gujaf-364	461	2	economics	economic	NOUN
gujaf-364	461	3	,	,	PUNCT
gujaf-364	461	4	112	112	NUM
gujaf-364	461	5	,	,	PUNCT
gujaf-364	461	6	106137	106137	NUM
gujaf-364	461	7	.	.	PUNCT
gujaf-364	462	1	xu	xu	PROPN
gujaf-364	462	2	,	,	PUNCT
gujaf-364	462	3	l.	l.	PROPN
gujaf-364	462	4	,	,	PUNCT
gujaf-364	462	5	ren	ren	PROPN
gujaf-364	462	6	,	,	PUNCT
gujaf-364	462	7	s.	s.	PROPN
gujaf-364	462	8	,	,	PUNCT
gujaf-364	462	9	&	&	CCONJ
gujaf-364	462	10	dong	dong	PROPN
gujaf-364	462	11	,	,	PUNCT
gujaf-364	462	12	h.	h.	PROPN
gujaf-364	462	13	(	(	PUNCT
gujaf-364	462	14	2022	2022	NUM
gujaf-364	462	15	)	)	PUNCT
gujaf-364	462	16	.	.	PUNCT
gujaf-364	463	1	fintech	fintech	NOUN
gujaf-364	463	2	and	and	CCONJ
gujaf-364	463	3	carbon	carbon	NOUN
gujaf-364	463	4	emissions	emission	NOUN
gujaf-364	463	5	:	:	PUNCT
gujaf-364	463	6	evidence	evidence	NOUN
gujaf-364	463	7	from	from	ADP
gujaf-364	463	8	china	china	PROPN
gujaf-364	463	9	’s	’s	PART
gujaf-364	463	10	green	green	PROPN
gujaf-364	463	11	finance	finance	NOUN
gujaf-364	463	12	pilot	pilot	NOUN
gujaf-364	463	13	zones	zone	NOUN
gujaf-364	463	14	.	.	PUNCT
gujaf-364	464	1	technological	technological	ADJ
gujaf-364	464	2	forecasting	forecasting	NOUN
gujaf-364	464	3	and	and	CCONJ
gujaf-364	464	4	social	social	ADJ
gujaf-364	464	5	change	change	NOUN
gujaf-364	464	6	,	,	PUNCT
gujaf-364	464	7	179	179	NUM
gujaf-364	464	8	,	,	PUNCT
gujaf-364	464	9	121606	121606	NUM
gujaf-364	464	10	.	.	PUNCT
gujaf-364	465	1	yin	yin	PROPN
gujaf-364	465	2	,	,	PUNCT
gujaf-364	465	3	h.	h.	PROPN
gujaf-364	465	4	,	,	PUNCT
gujaf-364	465	5	xu	xu	PROPN
gujaf-364	465	6	,	,	PUNCT
gujaf-364	465	7	j.	j.	PROPN
gujaf-364	465	8	,	,	PUNCT
gujaf-364	465	9	&	&	CCONJ
gujaf-364	465	10	ma	ma	PROPN
gujaf-364	465	11	,	,	PUNCT
gujaf-364	465	12	h.	h.	PROPN
gujaf-364	465	13	(	(	PUNCT
gujaf-364	465	14	2021	2021	NUM
gujaf-364	465	15	)	)	PUNCT
gujaf-364	465	16	.	.	PUNCT
gujaf-364	466	1	fintech	fintech	NOUN
gujaf-364	466	2	development	development	NOUN
gujaf-364	466	3	and	and	CCONJ
gujaf-364	466	4	green	green	ADJ
gujaf-364	466	5	investment	investment	NOUN
gujaf-364	466	6	:	:	PUNCT
gujaf-364	466	7	evidence	evidence	NOUN
gujaf-364	466	8	from	from	ADP
gujaf-364	466	9	china	china	PROPN
gujaf-364	466	10	’s	’s	PART
gujaf-364	466	11	listed	list	VERB
gujaf-364	466	12	firms	firm	NOUN
gujaf-364	466	13	.	.	PUNCT
gujaf-364	467	1	finance	finance	NOUN
gujaf-364	467	2	research	research	NOUN
gujaf-364	467	3	letters	letter	NOUN
gujaf-364	467	4	,	,	PUNCT
gujaf-364	467	5	42	42	NUM
gujaf-364	467	6	,	,	PUNCT
gujaf-364	467	7	101888	101888	NUM
gujaf-364	467	8	.	.	PUNCT
gujaf-364	468	1	zins	zin	NOUN
gujaf-364	468	2	,	,	PUNCT
gujaf-364	468	3	a.	a.	NOUN
gujaf-364	468	4	,	,	PUNCT
gujaf-364	468	5	&	&	CCONJ
gujaf-364	468	6	weill	weill	PROPN
gujaf-364	468	7	,	,	PUNCT
gujaf-364	468	8	l.	l.	PROPN
gujaf-364	468	9	(	(	PUNCT
gujaf-364	468	10	2016	2016	NUM
gujaf-364	468	11	)	)	PUNCT
gujaf-364	468	12	.	.	PUNCT
gujaf-364	469	1	the	the	DET
gujaf-364	469	2	determinants	determinant	NOUN
gujaf-364	469	3	of	of	ADP
gujaf-364	469	4	financial	financial	ADJ
gujaf-364	469	5	inclusion	inclusion	NOUN
gujaf-364	469	6	in	in	ADP
gujaf-364	469	7	africa	africa	PROPN
gujaf-364	469	8	.	.	PUNCT
gujaf-364	470	1	review	review	NOUN
gujaf-364	470	2	of	of	ADP
gujaf-364	470	3	development	development	NOUN
gujaf-364	470	4	finance	finance	NOUN
gujaf-364	470	5	,	,	PUNCT
gujaf-364	470	6	6(1	6(1	NUM
gujaf-364	470	7	)	)	PUNCT
gujaf-364	470	8	,	,	PUNCT
gujaf-364	470	9	46–57	46–57	NUM
gujaf-364	470	10	.	.	PUNCT