id	sid	tid	token	lemma	pos
ijosar-1126	1	1	ijointernational	ijointernational	ADJ
ijosar-1126	1	2	journal	journal	NOUN
ijosar-1126	1	3	of	of	ADP
ijosar-1126	1	4	social	social	ADJ
ijosar-1126	1	5	science	science	NOUN
ijosar-1126	1	6	and	and	CCONJ
ijosar-1126	1	7	humanities	humanity	NOUN
ijosar-1126	1	8	research	research	NOUN
ijosar-1126	1	9	(	(	PUNCT
ijosar-1126	1	10	issn	issn	PROPN
ijosar-1126	1	11	2811	2811	NUM
ijosar-1126	1	12	-	-	SYM
ijosar-1126	1	13	2466	2466	NUM
ijosar-1126	1	14	)	)	PUNCT
ijosar-1126	1	15	obiora	obiora	PROPN
ijosar-1126	1	16	peters	peters	PROPN
ijosar-1126	1	17	,	,	PUNCT
ijosar-1126	1	18	emeka	emeka	VERB
ijosar-1126	1	19	phd1	phd1	PROPN
ijosar-1126	1	20	*	*	PUNCT
ijosar-1126	1	21	https://ijojournals.com/	https://ijojournals.com/	PROPN
ijosar-1126	1	22	volume	volume	NOUN
ijosar-1126	1	23	08	08	NUM
ijosar-1126	2	1	||	||	PROPN
ijosar-1126	2	2	issue	issue	NOUN
ijosar-1126	2	3	08	08	NUM
ijosar-1126	2	4	||	||	NOUN
ijosar-1126	2	5	august	august	PROPN
ijosar-1126	2	6	,	,	PUNCT
ijosar-1126	2	7	2025	2025	NUM
ijosar-1126	2	8	||	||	PUNCT
ijosar-1126	3	1	“	"	PUNCT
ijosar-1126	3	2	the	the	DET
ijosar-1126	3	3	impact	impact	NOUN
ijosar-1126	3	4	of	of	ADP
ijosar-1126	3	5	financial	financial	ADJ
ijosar-1126	3	6	technology	technology	NOUN
ijosar-1126	3	7	on	on	ADP
ijosar-1126	3	8	the	the	DET
ijosar-1126	3	9	growth	growth	NOUN
ijosar-1126	3	10	of	of	ADP
ijosar-1126	3	11	smes	sme	NOUN
ijosar-1126	3	12	in	in	ADP
ijosar-1126	3	13	rwanda	rwanda	PROPN
ijosar-1126	3	14	(	(	PUNCT
ijosar-1126	3	15	2020	2020	NUM
ijosar-1126	3	16	-	-	SYM
ijosar-1126	3	17	2024	2024	NUM
ijosar-1126	3	18	)	)	PUNCT
ijosar-1126	3	19	"	"	PUNCT
ijosar-1126	3	20	the	the	DET
ijosar-1126	3	21	impact	impact	NOUN
ijosar-1126	3	22	of	of	ADP
ijosar-1126	3	23	financial	financial	ADJ
ijosar-1126	3	24	technology	technology	NOUN
ijosar-1126	3	25	on	on	ADP
ijosar-1126	3	26	the	the	DET
ijosar-1126	3	27	growth	growth	NOUN
ijosar-1126	3	28	of	of	ADP
ijosar-1126	3	29	smes	sme	NOUN
ijosar-1126	3	30	in	in	ADP
ijosar-1126	3	31	rwanda	rwanda	PROPN
ijosar-1126	3	32	(	(	PUNCT
ijosar-1126	3	33	2020	2020	NUM
ijosar-1126	3	34	-	-	SYM
ijosar-1126	3	35	2024	2024	NUM
ijosar-1126	3	36	)	)	PUNCT
ijosar-1126	3	37	obiora	obiora	NOUN
ijosar-1126	3	38	peters	peters	PROPN
ijosar-1126	3	39	,	,	PUNCT
ijosar-1126	3	40	emeka	emeka	VERB
ijosar-1126	3	41	phd	phd	NOUN
ijosar-1126	3	42	school	school	NOUN
ijosar-1126	3	43	of	of	ADP
ijosar-1126	3	44	post	post	PROPN
ijosar-1126	3	45	graduate	graduate	NOUN
ijosar-1126	3	46	studies	study	NOUN
ijosar-1126	3	47	,	,	PUNCT
ijosar-1126	3	48	kigali	kigali	PROPN
ijosar-1126	3	49	independent	independent	PROPN
ijosar-1126	3	50	university	university	PROPN
ijosar-1126	3	51	,	,	PUNCT
ijosar-1126	3	52	rwanda	rwanda	PROPN
ijosar-1126	3	53	damlaben	damlaben	NOUN
ijosar-1126	3	54	,	,	PUNCT
ijosar-1126	3	55	teku	teku	PROPN
ijosar-1126	3	56	charly	charly	PROPN
ijosar-1126	3	57	de	de	PROPN
ijosar-1126	3	58	barros	barros	PROPN
ijosar-1126	3	59	department	department	PROPN
ijosar-1126	3	60	of	of	ADP
ijosar-1126	3	61	finance	finance	PROPN
ijosar-1126	3	62	kigali	kigali	PROPN
ijosar-1126	3	63	independent	independent	PROPN
ijosar-1126	3	64	university	university	PROPN
ijosar-1126	3	65	,	,	PUNCT
ijosar-1126	3	66	rwanda	rwanda	PROPN
ijosar-1126	3	67	abstract	abstract	ADJ
ijosar-1126	3	68	fintech	fintech	NOUN
ijosar-1126	3	69	is	be	AUX
ijosar-1126	3	70	instituted	institute	VERB
ijosar-1126	3	71	to	to	PART
ijosar-1126	3	72	revolutionalize	revolutionalize	VERB
ijosar-1126	3	73	financial	financial	ADJ
ijosar-1126	3	74	transactions	transaction	NOUN
ijosar-1126	3	75	and	and	CCONJ
ijosar-1126	3	76	aid	aid	NOUN
ijosar-1126	3	77	smes	sme	NOUN
ijosar-1126	3	78	growth	growth	NOUN
ijosar-1126	3	79	,	,	PUNCT
ijosar-1126	3	80	however	however	ADV
ijosar-1126	3	81	,	,	PUNCT
ijosar-1126	3	82	the	the	DET
ijosar-1126	3	83	impact	impact	NOUN
ijosar-1126	3	84	is	be	AUX
ijosar-1126	3	85	minimal	minimal	ADJ
ijosar-1126	3	86	or	or	CCONJ
ijosar-1126	3	87	encumbered	encumbered	ADJ
ijosar-1126	3	88	.	.	PUNCT
ijosar-1126	4	1	this	this	DET
ijosar-1126	4	2	study	study	NOUN
ijosar-1126	4	3	investigated	investigate	VERB
ijosar-1126	4	4	the	the	DET
ijosar-1126	4	5	impact	impact	NOUN
ijosar-1126	4	6	of	of	ADP
ijosar-1126	4	7	financial	financial	ADJ
ijosar-1126	4	8	technology	technology	NOUN
ijosar-1126	4	9	on	on	ADP
ijosar-1126	4	10	the	the	DET
ijosar-1126	4	11	growth	growth	NOUN
ijosar-1126	4	12	of	of	ADP
ijosar-1126	4	13	smes	sme	NOUN
ijosar-1126	4	14	in	in	ADP
ijosar-1126	4	15	rwanda(2020	rwanda(2020	NOUN
ijosar-1126	4	16	-	-	PUNCT
ijosar-1126	4	17	2024	2024	NUM
ijosar-1126	4	18	)	)	PUNCT
ijosar-1126	4	19	;	;	PUNCT
ijosar-1126	4	20	using	use	VERB
ijosar-1126	4	21	digital	digital	ADJ
ijosar-1126	4	22	lending	lending	NOUN
ijosar-1126	4	23	access	access	NOUN
ijosar-1126	4	24	,	,	PUNCT
ijosar-1126	4	25	mobile	mobile	ADJ
ijosar-1126	4	26	money	money	NOUN
ijosar-1126	4	27	,	,	PUNCT
ijosar-1126	4	28	digital	digital	ADJ
ijosar-1126	4	29	credit	credit	NOUN
ijosar-1126	4	30	platforms	platform	NOUN
ijosar-1126	4	31	,	,	PUNCT
ijosar-1126	4	32	and	and	CCONJ
ijosar-1126	4	33	digital	digital	ADJ
ijosar-1126	4	34	wallets	wallet	NOUN
ijosar-1126	4	35	on	on	ADP
ijosar-1126	4	36	sme	sme	ADJ
ijosar-1126	4	37	growth	growth	NOUN
ijosar-1126	4	38	.	.	PUNCT
ijosar-1126	5	1	a	a	DET
ijosar-1126	5	2	quantitative	quantitative	ADJ
ijosar-1126	5	3	research	research	NOUN
ijosar-1126	5	4	design	design	NOUN
ijosar-1126	5	5	was	be	AUX
ijosar-1126	5	6	employed	employ	VERB
ijosar-1126	5	7	,	,	PUNCT
ijosar-1126	5	8	using	use	VERB
ijosar-1126	5	9	a	a	DET
ijosar-1126	5	10	descriptive	descriptive	ADJ
ijosar-1126	5	11	and	and	CCONJ
ijosar-1126	5	12	explanatory	explanatory	ADJ
ijosar-1126	5	13	survey	survey	NOUN
ijosar-1126	5	14	approach	approach	NOUN
ijosar-1126	5	15	on	on	ADP
ijosar-1126	5	16	a	a	DET
ijosar-1126	5	17	population	population	NOUN
ijosar-1126	5	18	of	of	ADP
ijosar-1126	5	19	25,000	25,000	NUM
ijosar-1126	5	20	registered	register	VERB
ijosar-1126	5	21	smes	sme	NOUN
ijosar-1126	5	22	.	.	PUNCT
ijosar-1126	6	1	a	a	DET
ijosar-1126	6	2	stratified	stratified	ADJ
ijosar-1126	6	3	random	random	ADJ
ijosar-1126	6	4	sampling	sampling	NOUN
ijosar-1126	6	5	technique	technique	NOUN
ijosar-1126	6	6	was	be	AUX
ijosar-1126	6	7	applied	apply	VERB
ijosar-1126	6	8	to	to	PART
ijosar-1126	6	9	select	select	VERB
ijosar-1126	6	10	379	379	NUM
ijosar-1126	6	11	smes	sme	NOUN
ijosar-1126	6	12	respondents	respondent	NOUN
ijosar-1126	6	13	.	.	PUNCT
ijosar-1126	7	1	the	the	DET
ijosar-1126	7	2	findings	finding	NOUN
ijosar-1126	7	3	revealed	reveal	VERB
ijosar-1126	7	4	that	that	SCONJ
ijosar-1126	7	5	digital	digital	ADJ
ijosar-1126	7	6	credit	credit	NOUN
ijosar-1126	7	7	platforms	platform	NOUN
ijosar-1126	7	8	had	have	VERB
ijosar-1126	7	9	a	a	DET
ijosar-1126	7	10	strong	strong	ADJ
ijosar-1126	7	11	positive	positive	ADJ
ijosar-1126	7	12	effect	effect	NOUN
ijosar-1126	7	13	on	on	ADP
ijosar-1126	7	14	sme	sme	PROPN
ijosar-1126	7	15	survival	survival	NOUN
ijosar-1126	7	16	/	/	SYM
ijosar-1126	7	17	longevity	longevity	NOUN
ijosar-1126	7	18	(	(	PUNCT
ijosar-1126	7	19	β	β	X
ijosar-1126	7	20	=	=	SYM
ijosar-1126	7	21	1.061	1.061	NUM
ijosar-1126	7	22	,	,	PUNCT
ijosar-1126	7	23	p	p	X
ijosar-1126	7	24	<	<	X
ijosar-1126	7	25	0.001	0.001	NUM
ijosar-1126	7	26	)	)	PUNCT
ijosar-1126	7	27	and	and	CCONJ
ijosar-1126	7	28	market	market	NOUN
ijosar-1126	7	29	expansion	expansion	NOUN
ijosar-1126	7	30	(	(	PUNCT
ijosar-1126	7	31	β	β	X
ijosar-1126	7	32	=	=	SYM
ijosar-1126	7	33	1.55	1.55	NUM
ijosar-1126	7	34	,	,	PUNCT
ijosar-1126	7	35	p	p	X
ijosar-1126	7	36	<	<	X
ijosar-1126	7	37	0.001	0.001	NUM
ijosar-1126	7	38	)	)	PUNCT
ijosar-1126	7	39	but	but	CCONJ
ijosar-1126	7	40	were	be	AUX
ijosar-1126	7	41	not	not	PART
ijosar-1126	7	42	significant	significant	ADJ
ijosar-1126	7	43	for	for	ADP
ijosar-1126	7	44	employment	employment	NOUN
ijosar-1126	7	45	growth	growth	NOUN
ijosar-1126	7	46	(	(	PUNCT
ijosar-1126	7	47	β	β	X
ijosar-1126	7	48	=	=	SYM
ijosar-1126	7	49	0.251	0.251	NUM
ijosar-1126	7	50	,	,	PUNCT
ijosar-1126	7	51	p	p	X
ijosar-1126	7	52	=	=	NOUN
ijosar-1126	7	53	0.127	0.127	NUM
ijosar-1126	7	54	)	)	PUNCT
ijosar-1126	7	55	.	.	PUNCT
ijosar-1126	8	1	mobile	mobile	ADJ
ijosar-1126	8	2	money	money	NOUN
ijosar-1126	8	3	significantly	significantly	ADV
ijosar-1126	8	4	improved	improve	VERB
ijosar-1126	8	5	survival	survival	NOUN
ijosar-1126	8	6	(	(	PUNCT
ijosar-1126	8	7	β	β	X
ijosar-1126	8	8	=	=	SYM
ijosar-1126	8	9	1.764	1.764	NUM
ijosar-1126	8	10	,	,	PUNCT
ijosar-1126	8	11	p	p	X
ijosar-1126	8	12	<	<	X
ijosar-1126	8	13	0.001	0.001	NUM
ijosar-1126	8	14	)	)	PUNCT
ijosar-1126	8	15	but	but	CCONJ
ijosar-1126	8	16	had	have	VERB
ijosar-1126	8	17	no	no	DET
ijosar-1126	8	18	significant	significant	ADJ
ijosar-1126	8	19	influence	influence	NOUN
ijosar-1126	8	20	on	on	ADP
ijosar-1126	8	21	market	market	NOUN
ijosar-1126	8	22	expansion	expansion	NOUN
ijosar-1126	8	23	(	(	PUNCT
ijosar-1126	8	24	β	β	X
ijosar-1126	8	25	=	=	SYM
ijosar-1126	8	26	-0.298	-0.298	PROPN
ijosar-1126	8	27	,	,	PUNCT
ijosar-1126	8	28	p	p	X
ijosar-1126	8	29	=	=	NOUN
ijosar-1126	8	30	0.143	0.143	NUM
ijosar-1126	8	31	)	)	PUNCT
ijosar-1126	8	32	or	or	CCONJ
ijosar-1126	8	33	employment	employment	NOUN
ijosar-1126	8	34	growth	growth	NOUN
ijosar-1126	8	35	(	(	PUNCT
ijosar-1126	8	36	β	β	X
ijosar-1126	8	37	=	=	SYM
ijosar-1126	8	38	0.118	0.118	NUM
ijosar-1126	8	39	,	,	PUNCT
ijosar-1126	8	40	p	p	X
ijosar-1126	8	41	=	=	NOUN
ijosar-1126	8	42	0.673	0.673	NUM
ijosar-1126	8	43	)	)	PUNCT
ijosar-1126	8	44	.	.	PUNCT
ijosar-1126	9	1	digital	digital	ADJ
ijosar-1126	9	2	wallets	wallet	NOUN
ijosar-1126	9	3	significantly	significantly	ADV
ijosar-1126	9	4	enhanced	enhance	VERB
ijosar-1126	9	5	market	market	NOUN
ijosar-1126	9	6	expansion	expansion	NOUN
ijosar-1126	9	7	(	(	PUNCT
ijosar-1126	9	8	β	β	X
ijosar-1126	9	9	=	=	SYM
ijosar-1126	9	10	0.61	0.61	NUM
ijosar-1126	9	11	,	,	PUNCT
ijosar-1126	9	12	p	p	X
ijosar-1126	9	13	<	<	X
ijosar-1126	9	14	0.01	0.01	NUM
ijosar-1126	9	15	)	)	PUNCT
ijosar-1126	9	16	and	and	CCONJ
ijosar-1126	9	17	employment	employment	NOUN
ijosar-1126	9	18	growth	growth	NOUN
ijosar-1126	9	19	(	(	PUNCT
ijosar-1126	9	20	β	β	X
ijosar-1126	9	21	=	=	PUNCT
ijosar-1126	9	22	0.588	0.588	NUM
ijosar-1126	9	23	,	,	PUNCT
ijosar-1126	9	24	p	p	X
ijosar-1126	9	25	<	<	X
ijosar-1126	9	26	0.05	0.05	NUM
ijosar-1126	9	27	)	)	PUNCT
ijosar-1126	9	28	but	but	CCONJ
ijosar-1126	9	29	negatively	negatively	ADV
ijosar-1126	9	30	impacted	impact	VERB
ijosar-1126	9	31	survival	survival	NOUN
ijosar-1126	9	32	(	(	PUNCT
ijosar-1126	9	33	β	β	X
ijosar-1126	9	34	=	=	SYM
ijosar-1126	9	35	-1.4	-1.4	PROPN
ijosar-1126	9	36	,	,	PUNCT
ijosar-1126	9	37	p	p	X
ijosar-1126	9	38	<	<	X
ijosar-1126	9	39	0.001	0.001	NUM
ijosar-1126	9	40	)	)	PUNCT
ijosar-1126	9	41	.	.	PUNCT
ijosar-1126	10	1	digital	digital	ADJ
ijosar-1126	10	2	lending	lending	NOUN
ijosar-1126	10	3	showed	show	VERB
ijosar-1126	10	4	a	a	DET
ijosar-1126	10	5	consistent	consistent	ADJ
ijosar-1126	10	6	negative	negative	ADJ
ijosar-1126	10	7	influence	influence	NOUN
ijosar-1126	10	8	on	on	ADP
ijosar-1126	10	9	all	all	DET
ijosar-1126	10	10	three	three	NUM
ijosar-1126	10	11	growth	growth	NOUN
ijosar-1126	10	12	dimensions	dimension	NOUN
ijosar-1126	10	13	:	:	PUNCT
ijosar-1126	10	14	survival	survival	NOUN
ijosar-1126	10	15	(	(	PUNCT
ijosar-1126	10	16	β	β	X
ijosar-1126	10	17	=	=	SYM
ijosar-1126	10	18	-0.667	-0.667	NOUN
ijosar-1126	10	19	,	,	PUNCT
ijosar-1126	10	20	p	p	X
ijosar-1126	10	21	<	<	X
ijosar-1126	10	22	0.001	0.001	NUM
ijosar-1126	10	23	)	)	PUNCT
ijosar-1126	10	24	,	,	PUNCT
ijosar-1126	10	25	market	market	NOUN
ijosar-1126	10	26	expansion	expansion	NOUN
ijosar-1126	10	27	(	(	PUNCT
ijosar-1126	10	28	β	β	X
ijosar-1126	10	29	=	=	SYM
ijosar-1126	10	30	-1.172	-1.172	PROPN
ijosar-1126	10	31	,	,	PUNCT
ijosar-1126	10	32	p	p	X
ijosar-1126	10	33	<	<	X
ijosar-1126	10	34	0.001	0.001	NUM
ijosar-1126	10	35	)	)	PUNCT
ijosar-1126	10	36	,	,	PUNCT
ijosar-1126	10	37	and	and	CCONJ
ijosar-1126	10	38	employment	employment	NOUN
ijosar-1126	10	39	growth	growth	NOUN
ijosar-1126	10	40	(	(	PUNCT
ijosar-1126	10	41	β	β	X
ijosar-1126	10	42	=	=	PUNCT
ijosar-1126	10	43	-0.291	-0.291	PROPN
ijosar-1126	10	44	,	,	PUNCT
ijosar-1126	10	45	p	p	NOUN
ijosar-1126	10	46	=	=	NOUN
ijosar-1126	10	47	0.09	0.09	NUM
ijosar-1126	10	48	)	)	PUNCT
ijosar-1126	10	49	.	.	PUNCT
ijosar-1126	11	1	the	the	DET
ijosar-1126	11	2	study	study	NOUN
ijosar-1126	11	3	concluded	conclude	VERB
ijosar-1126	11	4	that	that	SCONJ
ijosar-1126	11	5	digital	digital	ADJ
ijosar-1126	11	6	credit	credit	NOUN
ijosar-1126	11	7	platforms	platform	NOUN
ijosar-1126	11	8	and	and	CCONJ
ijosar-1126	11	9	mobile	mobile	ADJ
ijosar-1126	11	10	money	money	NOUN
ijosar-1126	11	11	best	good	ADJ
ijosar-1126	11	12	support	support	NOUN
ijosar-1126	11	13	longevity	longevity	NOUN
ijosar-1126	11	14	,	,	PUNCT
ijosar-1126	11	15	while	while	SCONJ
ijosar-1126	11	16	digital	digital	ADJ
ijosar-1126	11	17	wallets	wallet	NOUN
ijosar-1126	11	18	enhance	enhance	VERB
ijosar-1126	11	19	efficiency	efficiency	NOUN
ijosar-1126	11	20	and	and	CCONJ
ijosar-1126	11	21	job	job	NOUN
ijosar-1126	11	22	creation	creation	NOUN
ijosar-1126	11	23	.	.	PUNCT
ijosar-1126	12	1	the	the	DET
ijosar-1126	12	2	study	study	NOUN
ijosar-1126	12	3	recommends	recommend	VERB
ijosar-1126	12	4	restructuring	restructure	VERB
ijosar-1126	12	5	digital	digital	ADJ
ijosar-1126	12	6	loans	loan	NOUN
ijosar-1126	12	7	,	,	PUNCT
ijosar-1126	12	8	expanding	expand	VERB
ijosar-1126	12	9	financial	financial	ADJ
ijosar-1126	12	10	literacy	literacy	NOUN
ijosar-1126	12	11	,	,	PUNCT
ijosar-1126	12	12	improving	improve	VERB
ijosar-1126	12	13	wallet	wallet	NOUN
ijosar-1126	12	14	security	security	NOUN
ijosar-1126	12	15	,	,	PUNCT
ijosar-1126	12	16	and	and	CCONJ
ijosar-1126	12	17	enhancing	enhance	VERB
ijosar-1126	12	18	mobile	mobile	ADJ
ijosar-1126	12	19	money	money	NOUN
ijosar-1126	12	20	with	with	ADP
ijosar-1126	12	21	business	business	NOUN
ijosar-1126	12	22	-	-	PUNCT
ijosar-1126	12	23	friendly	friendly	ADJ
ijosar-1126	12	24	features	feature	NOUN
ijosar-1126	12	25	.	.	PUNCT
ijosar-1126	13	1	introduction	introduction	NOUN
ijosar-1126	13	2	this	this	DET
ijosar-1126	13	3	study	study	NOUN
ijosar-1126	13	4	sets	set	VERB
ijosar-1126	13	5	to	to	PART
ijosar-1126	13	6	investigate	investigate	VERB
ijosar-1126	13	7	the	the	DET
ijosar-1126	13	8	influence	influence	NOUN
ijosar-1126	13	9	which	which	DET
ijosar-1126	13	10	fintech	fintech	NOUN
ijosar-1126	13	11	has	have	VERB
ijosar-1126	13	12	on	on	ADP
ijosar-1126	13	13	smes	sme	NOUN
ijosar-1126	13	14	growth	growth	NOUN
ijosar-1126	13	15	in	in	ADP
ijosar-1126	13	16	rwanda	rwanda	PROPN
ijosar-1126	13	17	.	.	PUNCT
ijosar-1126	14	1	this	this	PRON
ijosar-1126	14	2	is	be	AUX
ijosar-1126	14	3	achieved	achieve	VERB
ijosar-1126	14	4	through	through	ADP
ijosar-1126	14	5	background	background	NOUN
ijosar-1126	14	6	of	of	ADP
ijosar-1126	14	7	study	study	NOUN
ijosar-1126	14	8	,	,	PUNCT
ijosar-1126	14	9	conceptual	conceptual	ADJ
ijosar-1126	14	10	,	,	PUNCT
ijosar-1126	14	11	theoretical	theoretical	ADJ
ijosar-1126	14	12	&	&	CCONJ
ijosar-1126	14	13	,	,	PUNCT
ijosar-1126	14	14	empirical	empirical	ADJ
ijosar-1126	14	15	reviews	review	NOUN
ijosar-1126	14	16	,	,	PUNCT
ijosar-1126	14	17	methodology	methodology	NOUN
ijosar-1126	14	18	,	,	PUNCT
ijosar-1126	14	19	results	result	NOUN
ijosar-1126	14	20	,	,	PUNCT
ijosar-1126	14	21	conclusion	conclusion	NOUN
ijosar-1126	14	22	and	and	CCONJ
ijosar-1126	14	23	recommendation	recommendation	NOUN
ijosar-1126	14	24	.	.	PUNCT
ijosar-1126	15	1	1.1	1.1	NUM
ijosar-1126	15	2	background	background	NOUN
ijosar-1126	15	3	of	of	ADP
ijosar-1126	15	4	the	the	DET
ijosar-1126	15	5	study	study	NOUN
ijosar-1126	15	6	in	in	ADP
ijosar-1126	15	7	recent	recent	ADJ
ijosar-1126	15	8	decades	decade	NOUN
ijosar-1126	15	9	,	,	PUNCT
ijosar-1126	15	10	financial	financial	ADJ
ijosar-1126	15	11	technology	technology	NOUN
ijosar-1126	15	12	(	(	PUNCT
ijosar-1126	15	13	fintech	fintech	NOUN
ijosar-1126	15	14	)	)	PUNCT
ijosar-1126	15	15	has	have	AUX
ijosar-1126	15	16	revolutionized	revolutionize	VERB
ijosar-1126	15	17	access	access	NOUN
ijosar-1126	15	18	to	to	ADP
ijosar-1126	15	19	financial	financial	ADJ
ijosar-1126	15	20	services	service	NOUN
ijosar-1126	15	21	across	across	ADP
ijosar-1126	15	22	the	the	DET
ijosar-1126	15	23	globe	globe	NOUN
ijosar-1126	15	24	,	,	PUNCT
ijosar-1126	15	25	particularly	particularly	ADV
ijosar-1126	15	26	by	by	ADP
ijosar-1126	15	27	offering	offer	VERB
ijosar-1126	15	28	innovative	innovative	ADJ
ijosar-1126	15	29	,	,	PUNCT
ijosar-1126	15	30	digital	digital	ADJ
ijosar-1126	15	31	solutions	solution	NOUN
ijosar-1126	15	32	to	to	ADP
ijosar-1126	15	33	traditionally	traditionally	ADV
ijosar-1126	15	34	underserved	underserved	ADJ
ijosar-1126	15	35	populations	population	NOUN
ijosar-1126	15	36	and	and	CCONJ
ijosar-1126	15	37	small	small	ADJ
ijosar-1126	15	38	businesses	business	NOUN
ijosar-1126	15	39	.	.	PUNCT
ijosar-1126	16	1	globally	globally	ADV
ijosar-1126	16	2	,	,	PUNCT
ijosar-1126	16	3	fintech	fintech	NOUN
ijosar-1126	16	4	services	service	NOUN
ijosar-1126	16	5	,	,	PUNCT
ijosar-1126	16	6	including	include	VERB
ijosar-1126	16	7	mobile	mobile	ADJ
ijosar-1126	16	8	payments	payment	NOUN
ijosar-1126	16	9	,	,	PUNCT
ijosar-1126	16	10	digital	digital	ADJ
ijosar-1126	16	11	lending	lending	NOUN
ijosar-1126	16	12	,	,	PUNCT
ijosar-1126	16	13	online	online	ADJ
ijosar-1126	16	14	banking	banking	NOUN
ijosar-1126	16	15	,	,	PUNCT
ijosar-1126	16	16	and	and	CCONJ
ijosar-1126	16	17	ijo	ijo	PROPN
ijosar-1126	16	18	journals	journal	NOUN
ijosar-1126	16	19	volume	volume	NOUN
ijosar-1126	16	20	08	08	NUM
ijosar-1126	17	1	|	|	ADV
ijosar-1126	17	2	issue	issue	NOUN
ijosar-1126	17	3	08	08	NUM
ijosar-1126	18	1	|	|	ADV
ijosar-1126	18	2	august	august	PROPN
ijosar-1126	18	3	2025	2025	NUM
ijosar-1126	18	4	|	|	ADV
ijosar-1126	18	5	https://ijojournals.com/index.php/ssh/index	https://ijojournals.com/index.php/ssh/index	NOUN
ijosar-1126	18	6	84	84	NUM
ijosar-1126	18	7	ijointernational	ijointernational	ADJ
ijosar-1126	18	8	journal	journal	NOUN
ijosar-1126	18	9	of	of	ADP
ijosar-1126	18	10	social	social	ADJ
ijosar-1126	18	11	science	science	NOUN
ijosar-1126	18	12	and	and	CCONJ
ijosar-1126	18	13	humanities	humanity	NOUN
ijosar-1126	18	14	research	research	NOUN
ijosar-1126	18	15	(	(	PUNCT
ijosar-1126	18	16	issn	issn	PROPN
ijosar-1126	18	17	2811	2811	NUM
ijosar-1126	18	18	-	-	SYM
ijosar-1126	18	19	2466	2466	NUM
ijosar-1126	18	20	)	)	PUNCT
ijosar-1126	18	21	obiora	obiora	PROPN
ijosar-1126	18	22	peters	peters	PROPN
ijosar-1126	18	23	,	,	PUNCT
ijosar-1126	18	24	emeka	emeka	VERB
ijosar-1126	18	25	phd1	phd1	PROPN
ijosar-1126	18	26	*	*	PUNCT
ijosar-1126	18	27	https://ijojournals.com/	https://ijojournals.com/	PROPN
ijosar-1126	18	28	volume	volume	NOUN
ijosar-1126	18	29	08	08	NUM
ijosar-1126	19	1	||	||	PROPN
ijosar-1126	19	2	issue	issue	NOUN
ijosar-1126	19	3	08	08	NUM
ijosar-1126	19	4	||	||	NOUN
ijosar-1126	19	5	august	august	PROPN
ijosar-1126	19	6	,	,	PUNCT
ijosar-1126	19	7	2025	2025	NUM
ijosar-1126	19	8	||	||	PUNCT
ijosar-1126	20	1	“	"	PUNCT
ijosar-1126	20	2	the	the	DET
ijosar-1126	20	3	impact	impact	NOUN
ijosar-1126	20	4	of	of	ADP
ijosar-1126	20	5	financial	financial	ADJ
ijosar-1126	20	6	technology	technology	NOUN
ijosar-1126	20	7	on	on	ADP
ijosar-1126	20	8	the	the	DET
ijosar-1126	20	9	growth	growth	NOUN
ijosar-1126	20	10	of	of	ADP
ijosar-1126	20	11	smes	sme	NOUN
ijosar-1126	20	12	in	in	ADP
ijosar-1126	20	13	rwanda	rwanda	PROPN
ijosar-1126	20	14	(	(	PUNCT
ijosar-1126	20	15	2020	2020	NUM
ijosar-1126	20	16	-	-	SYM
ijosar-1126	20	17	2024	2024	NUM
ijosar-1126	20	18	)	)	PUNCT
ijosar-1126	20	19	"	"	PUNCT
ijosar-1126	20	20	crowdfunding	crowdfunding	NOUN
ijosar-1126	20	21	platforms	platform	NOUN
ijosar-1126	20	22	,	,	PUNCT
ijosar-1126	20	23	have	have	AUX
ijosar-1126	20	24	significantly	significantly	ADV
ijosar-1126	20	25	transformed	transform	VERB
ijosar-1126	20	26	how	how	SCONJ
ijosar-1126	20	27	individuals	individual	NOUN
ijosar-1126	20	28	and	and	CCONJ
ijosar-1126	20	29	enterprises	enterprise	NOUN
ijosar-1126	20	30	manage	manage	VERB
ijosar-1126	20	31	,	,	PUNCT
ijosar-1126	20	32	save	save	VERB
ijosar-1126	20	33	,	,	PUNCT
ijosar-1126	20	34	and	and	CCONJ
ijosar-1126	20	35	access	access	NOUN
ijosar-1126	20	36	capital	capital	NOUN
ijosar-1126	20	37	.	.	PUNCT
ijosar-1126	21	1	according	accord	VERB
ijosar-1126	21	2	to	to	ADP
ijosar-1126	21	3	the	the	DET
ijosar-1126	21	4	world	world	NOUN
ijosar-1126	21	5	bank	bank	PROPN
ijosar-1126	21	6	(	(	PUNCT
ijosar-1126	21	7	2022	2022	NUM
ijosar-1126	21	8	)	)	PUNCT
ijosar-1126	21	9	,	,	PUNCT
ijosar-1126	21	10	nearly	nearly	ADV
ijosar-1126	21	11	76	76	NUM
ijosar-1126	21	12	%	%	NOUN
ijosar-1126	21	13	of	of	ADP
ijosar-1126	21	14	adults	adult	NOUN
ijosar-1126	21	15	globally	globally	ADV
ijosar-1126	21	16	now	now	ADV
ijosar-1126	21	17	have	have	VERB
ijosar-1126	21	18	access	access	NOUN
ijosar-1126	21	19	to	to	ADP
ijosar-1126	21	20	a	a	DET
ijosar-1126	21	21	financial	financial	ADJ
ijosar-1126	21	22	account	account	NOUN
ijosar-1126	21	23	,	,	PUNCT
ijosar-1126	21	24	up	up	ADV
ijosar-1126	21	25	from	from	ADP
ijosar-1126	21	26	51	51	NUM
ijosar-1126	21	27	%	%	NOUN
ijosar-1126	21	28	in	in	ADP
ijosar-1126	21	29	2011	2011	NUM
ijosar-1126	21	30	,	,	PUNCT
ijosar-1126	21	31	largely	largely	ADV
ijosar-1126	21	32	driven	drive	VERB
ijosar-1126	21	33	by	by	ADP
ijosar-1126	21	34	the	the	DET
ijosar-1126	21	35	rise	rise	NOUN
ijosar-1126	21	36	of	of	ADP
ijosar-1126	21	37	digital	digital	ADJ
ijosar-1126	21	38	finance	finance	NOUN
ijosar-1126	21	39	.	.	PUNCT
ijosar-1126	22	1	fintech	fintech	NOUN
ijosar-1126	22	2	has	have	AUX
ijosar-1126	22	3	become	become	VERB
ijosar-1126	22	4	a	a	DET
ijosar-1126	22	5	catalyst	catalyst	NOUN
ijosar-1126	22	6	for	for	ADP
ijosar-1126	22	7	economic	economic	ADJ
ijosar-1126	22	8	inclusion	inclusion	NOUN
ijosar-1126	22	9	,	,	PUNCT
ijosar-1126	22	10	especially	especially	ADV
ijosar-1126	22	11	for	for	ADP
ijosar-1126	22	12	small	small	ADJ
ijosar-1126	22	13	and	and	CCONJ
ijosar-1126	22	14	medium	medium	ADJ
ijosar-1126	22	15	-	-	PUNCT
ijosar-1126	22	16	sized	sized	ADJ
ijosar-1126	22	17	enterprises	enterprise	NOUN
ijosar-1126	22	18	(	(	PUNCT
ijosar-1126	22	19	smes	sme	NOUN
ijosar-1126	22	20	)	)	PUNCT
ijosar-1126	22	21	,	,	PUNCT
ijosar-1126	22	22	which	which	PRON
ijosar-1126	22	23	are	be	AUX
ijosar-1126	22	24	often	often	ADV
ijosar-1126	22	25	constrained	constrain	VERB
ijosar-1126	22	26	by	by	ADP
ijosar-1126	22	27	limited	limited	ADJ
ijosar-1126	22	28	access	access	NOUN
ijosar-1126	22	29	to	to	ADP
ijosar-1126	22	30	credit	credit	NOUN
ijosar-1126	22	31	and	and	CCONJ
ijosar-1126	22	32	traditional	traditional	ADJ
ijosar-1126	22	33	banking	banking	NOUN
ijosar-1126	22	34	.	.	PUNCT
ijosar-1126	23	1	a	a	DET
ijosar-1126	23	2	report	report	NOUN
ijosar-1126	23	3	by	by	ADP
ijosar-1126	23	4	the	the	DET
ijosar-1126	23	5	international	international	ADJ
ijosar-1126	23	6	finance	finance	NOUN
ijosar-1126	23	7	corporation	corporation	NOUN
ijosar-1126	23	8	(	(	PUNCT
ijosar-1126	23	9	ifc	ifc	NOUN
ijosar-1126	23	10	,	,	PUNCT
ijosar-1126	23	11	2020	2020	NUM
ijosar-1126	23	12	)	)	PUNCT
ijosar-1126	23	13	estimates	estimate	VERB
ijosar-1126	23	14	that	that	SCONJ
ijosar-1126	23	15	globally	globally	ADV
ijosar-1126	23	16	,	,	PUNCT
ijosar-1126	23	17	the	the	DET
ijosar-1126	23	18	sme	sme	NOUN
ijosar-1126	23	19	financing	financing	NOUN
ijosar-1126	23	20	gap	gap	NOUN
ijosar-1126	23	21	exceeds	exceed	VERB
ijosar-1126	23	22	$	$	SYM
ijosar-1126	23	23	5.2	5.2	NUM
ijosar-1126	23	24	trillion	trillion	NUM
ijosar-1126	23	25	annually	annually	ADV
ijosar-1126	23	26	,	,	PUNCT
ijosar-1126	23	27	with	with	ADP
ijosar-1126	23	28	digital	digital	ADJ
ijosar-1126	23	29	financial	financial	ADJ
ijosar-1126	23	30	services	service	NOUN
ijosar-1126	23	31	positioned	position	VERB
ijosar-1126	23	32	as	as	ADP
ijosar-1126	23	33	a	a	DET
ijosar-1126	23	34	key	key	ADJ
ijosar-1126	23	35	strategy	strategy	NOUN
ijosar-1126	23	36	to	to	PART
ijosar-1126	23	37	narrow	narrow	VERB
ijosar-1126	23	38	this	this	DET
ijosar-1126	23	39	gap	gap	NOUN
ijosar-1126	23	40	.	.	PUNCT
ijosar-1126	24	1	on	on	ADP
ijosar-1126	24	2	the	the	DET
ijosar-1126	24	3	african	african	ADJ
ijosar-1126	24	4	continent	continent	NOUN
ijosar-1126	24	5	,	,	PUNCT
ijosar-1126	24	6	the	the	DET
ijosar-1126	24	7	fintech	fintech	NOUN
ijosar-1126	24	8	sector	sector	NOUN
ijosar-1126	24	9	is	be	AUX
ijosar-1126	24	10	among	among	ADP
ijosar-1126	24	11	the	the	DET
ijosar-1126	24	12	fastest	fast	ADV
ijosar-1126	24	13	-	-	PUNCT
ijosar-1126	24	14	growing	grow	VERB
ijosar-1126	24	15	in	in	ADP
ijosar-1126	24	16	the	the	DET
ijosar-1126	24	17	world	world	NOUN
ijosar-1126	24	18	.	.	PUNCT
ijosar-1126	25	1	in	in	ADP
ijosar-1126	25	2	2021	2021	NUM
ijosar-1126	25	3	,	,	PUNCT
ijosar-1126	25	4	africa	africa	PROPN
ijosar-1126	25	5	saw	see	VERB
ijosar-1126	25	6	over	over	ADP
ijosar-1126	25	7	$	$	SYM
ijosar-1126	25	8	2	2	NUM
ijosar-1126	25	9	billion	billion	NUM
ijosar-1126	25	10	in	in	ADP
ijosar-1126	25	11	fintech	fintech	NOUN
ijosar-1126	25	12	investment	investment	NOUN
ijosar-1126	25	13	,	,	PUNCT
ijosar-1126	25	14	with	with	ADP
ijosar-1126	25	15	countries	country	NOUN
ijosar-1126	25	16	like	like	ADP
ijosar-1126	25	17	nigeria	nigeria	PROPN
ijosar-1126	25	18	,	,	PUNCT
ijosar-1126	25	19	kenya	kenya	PROPN
ijosar-1126	25	20	,	,	PUNCT
ijosar-1126	25	21	south	south	PROPN
ijosar-1126	25	22	africa	africa	PROPN
ijosar-1126	25	23	,	,	PUNCT
ijosar-1126	25	24	and	and	CCONJ
ijosar-1126	25	25	egypt	egypt	PROPN
ijosar-1126	25	26	leading	lead	VERB
ijosar-1126	25	27	the	the	DET
ijosar-1126	25	28	market	market	NOUN
ijosar-1126	25	29	in	in	ADP
ijosar-1126	25	30	mobile	mobile	ADJ
ijosar-1126	25	31	banking	banking	NOUN
ijosar-1126	25	32	,	,	PUNCT
ijosar-1126	25	33	digital	digital	ADJ
ijosar-1126	25	34	wallets	wallet	NOUN
ijosar-1126	25	35	,	,	PUNCT
ijosar-1126	25	36	and	and	CCONJ
ijosar-1126	25	37	peer	peer	NOUN
ijosar-1126	25	38	-	-	PUNCT
ijosar-1126	25	39	to	to	ADP
ijosar-1126	25	40	-	-	PUNCT
ijosar-1126	25	41	peer	peer	NOUN
ijosar-1126	25	42	lending	lending	NOUN
ijosar-1126	25	43	(	(	PUNCT
ijosar-1126	25	44	bfa	bfa	PROPN
ijosar-1126	25	45	global	global	ADJ
ijosar-1126	25	46	,	,	PUNCT
ijosar-1126	25	47	2022	2022	NUM
ijosar-1126	25	48	)	)	PUNCT
ijosar-1126	25	49	.	.	PUNCT
ijosar-1126	26	1	fintech	fintech	NOUN
ijosar-1126	26	2	has	have	AUX
ijosar-1126	26	3	been	be	AUX
ijosar-1126	26	4	pivotal	pivotal	ADJ
ijosar-1126	26	5	in	in	ADP
ijosar-1126	26	6	addressing	address	VERB
ijosar-1126	26	7	financial	financial	ADJ
ijosar-1126	26	8	exclusion	exclusion	NOUN
ijosar-1126	26	9	,	,	PUNCT
ijosar-1126	26	10	particularly	particularly	ADV
ijosar-1126	26	11	in	in	ADP
ijosar-1126	26	12	regions	region	NOUN
ijosar-1126	26	13	with	with	ADP
ijosar-1126	26	14	low	low	ADJ
ijosar-1126	26	15	banking	banking	NOUN
ijosar-1126	26	16	infrastructure	infrastructure	NOUN
ijosar-1126	26	17	but	but	CCONJ
ijosar-1126	26	18	high	high	ADJ
ijosar-1126	26	19	mobile	mobile	ADJ
ijosar-1126	26	20	phone	phone	NOUN
ijosar-1126	26	21	penetration	penetration	NOUN
ijosar-1126	26	22	.	.	PUNCT
ijosar-1126	27	1	according	accord	VERB
ijosar-1126	27	2	to	to	ADP
ijosar-1126	27	3	gsma	gsma	NOUN
ijosar-1126	27	4	(	(	PUNCT
ijosar-1126	27	5	2023	2023	NUM
ijosar-1126	27	6	)	)	PUNCT
ijosar-1126	27	7	,	,	PUNCT
ijosar-1126	27	8	mobile	mobile	ADJ
ijosar-1126	27	9	money	money	NOUN
ijosar-1126	27	10	accounts	account	VERB
ijosar-1126	27	11	in	in	ADP
ijosar-1126	27	12	sub	sub	ADJ
ijosar-1126	27	13	-	-	ADJ
ijosar-1126	27	14	saharan	saharan	ADJ
ijosar-1126	27	15	africa	africa	PROPN
ijosar-1126	27	16	surpassed	surpass	VERB
ijosar-1126	27	17	621	621	NUM
ijosar-1126	27	18	million	million	NUM
ijosar-1126	27	19	users	user	NOUN
ijosar-1126	27	20	,	,	PUNCT
ijosar-1126	27	21	facilitating	facilitate	VERB
ijosar-1126	27	22	over	over	ADP
ijosar-1126	27	23	$	$	SYM
ijosar-1126	27	24	832	832	NUM
ijosar-1126	27	25	billion	billion	NUM
ijosar-1126	27	26	in	in	ADP
ijosar-1126	27	27	transactions	transaction	NOUN
ijosar-1126	27	28	in	in	ADP
ijosar-1126	27	29	2022	2022	NUM
ijosar-1126	27	30	alone	alone	ADV
ijosar-1126	27	31	.	.	PUNCT
ijosar-1126	28	1	these	these	DET
ijosar-1126	28	2	innovations	innovation	NOUN
ijosar-1126	28	3	have	have	AUX
ijosar-1126	28	4	been	be	AUX
ijosar-1126	28	5	critical	critical	ADJ
ijosar-1126	28	6	for	for	ADP
ijosar-1126	28	7	smes	sme	NOUN
ijosar-1126	28	8	,	,	PUNCT
ijosar-1126	28	9	providing	provide	VERB
ijosar-1126	28	10	alternative	alternative	ADJ
ijosar-1126	28	11	credit	credit	NOUN
ijosar-1126	28	12	scoring	scoring	NOUN
ijosar-1126	28	13	models	model	NOUN
ijosar-1126	28	14	,	,	PUNCT
ijosar-1126	28	15	instant	instant	ADJ
ijosar-1126	28	16	payment	payment	NOUN
ijosar-1126	28	17	solutions	solution	NOUN
ijosar-1126	28	18	,	,	PUNCT
ijosar-1126	28	19	and	and	CCONJ
ijosar-1126	28	20	tools	tool	NOUN
ijosar-1126	28	21	to	to	PART
ijosar-1126	28	22	manage	manage	VERB
ijosar-1126	28	23	business	business	NOUN
ijosar-1126	28	24	cash	cash	NOUN
ijosar-1126	28	25	flow	flow	NOUN
ijosar-1126	28	26	.	.	PUNCT
ijosar-1126	29	1	however	however	ADV
ijosar-1126	29	2	,	,	PUNCT
ijosar-1126	29	3	challenges	challenge	NOUN
ijosar-1126	29	4	such	such	ADJ
ijosar-1126	29	5	as	as	ADP
ijosar-1126	29	6	digital	digital	ADJ
ijosar-1126	29	7	literacy	literacy	NOUN
ijosar-1126	29	8	,	,	PUNCT
ijosar-1126	29	9	cyber	cyber	ADJ
ijosar-1126	29	10	security	security	NOUN
ijosar-1126	29	11	,	,	PUNCT
ijosar-1126	29	12	regulatory	regulatory	ADJ
ijosar-1126	29	13	fragmentation	fragmentation	NOUN
ijosar-1126	29	14	,	,	PUNCT
ijosar-1126	29	15	and	and	CCONJ
ijosar-1126	29	16	limited	limited	ADJ
ijosar-1126	29	17	interoperability	interoperability	NOUN
ijosar-1126	29	18	still	still	ADV
ijosar-1126	29	19	hinder	hinder	VERB
ijosar-1126	29	20	full	full	ADJ
ijosar-1126	29	21	-	-	PUNCT
ijosar-1126	29	22	scale	scale	NOUN
ijosar-1126	29	23	adoption	adoption	NOUN
ijosar-1126	29	24	and	and	CCONJ
ijosar-1126	29	25	impact	impact	NOUN
ijosar-1126	29	26	across	across	ADP
ijosar-1126	29	27	the	the	DET
ijosar-1126	29	28	continent	continent	NOUN
ijosar-1126	29	29	.	.	PUNCT
ijosar-1126	30	1	within	within	ADP
ijosar-1126	30	2	the	the	DET
ijosar-1126	30	3	east	east	ADJ
ijosar-1126	30	4	african	african	ADJ
ijosar-1126	30	5	region	region	NOUN
ijosar-1126	30	6	,	,	PUNCT
ijosar-1126	30	7	countries	country	NOUN
ijosar-1126	30	8	have	have	AUX
ijosar-1126	30	9	embraced	embrace	VERB
ijosar-1126	30	10	fintech	fintech	NOUN
ijosar-1126	30	11	as	as	ADP
ijosar-1126	30	12	a	a	DET
ijosar-1126	30	13	cornerstone	cornerstone	NOUN
ijosar-1126	30	14	of	of	ADP
ijosar-1126	30	15	inclusive	inclusive	ADJ
ijosar-1126	30	16	finance	finance	NOUN
ijosar-1126	30	17	.	.	PUNCT
ijosar-1126	31	1	kenya	kenya	PROPN
ijosar-1126	31	2	,	,	PUNCT
ijosar-1126	31	3	through	through	ADP
ijosar-1126	31	4	m	m	PROPN
ijosar-1126	31	5	-	-	NOUN
ijosar-1126	31	6	pesa	pesa	NOUN
ijosar-1126	31	7	,	,	PUNCT
ijosar-1126	31	8	has	have	AUX
ijosar-1126	31	9	been	be	AUX
ijosar-1126	31	10	a	a	DET
ijosar-1126	31	11	global	global	ADJ
ijosar-1126	31	12	case	case	NOUN
ijosar-1126	31	13	study	study	NOUN
ijosar-1126	31	14	in	in	ADP
ijosar-1126	31	15	mobile	mobile	ADJ
ijosar-1126	31	16	financial	financial	ADJ
ijosar-1126	31	17	services	service	NOUN
ijosar-1126	31	18	,	,	PUNCT
ijosar-1126	31	19	enabling	enable	VERB
ijosar-1126	31	20	millions	million	NOUN
ijosar-1126	31	21	of	of	ADP
ijosar-1126	31	22	smes	sme	NOUN
ijosar-1126	31	23	to	to	PART
ijosar-1126	31	24	accept	accept	VERB
ijosar-1126	31	25	digital	digital	ADJ
ijosar-1126	31	26	payments	payment	NOUN
ijosar-1126	31	27	,	,	PUNCT
ijosar-1126	31	28	access	access	NOUN
ijosar-1126	31	29	loans	loan	NOUN
ijosar-1126	31	30	,	,	PUNCT
ijosar-1126	31	31	and	and	CCONJ
ijosar-1126	31	32	run	run	VERB
ijosar-1126	31	33	businesses	business	NOUN
ijosar-1126	31	34	more	more	ADV
ijosar-1126	31	35	efficiently	efficiently	ADV
ijosar-1126	31	36	.	.	PUNCT
ijosar-1126	32	1	according	accord	VERB
ijosar-1126	32	2	to	to	ADP
ijosar-1126	32	3	fsd	fsd	PROPN
ijosar-1126	32	4	kenya	kenya	PROPN
ijosar-1126	32	5	(	(	PUNCT
ijosar-1126	32	6	2021	2021	NUM
ijosar-1126	32	7	)	)	PUNCT
ijosar-1126	32	8	,	,	PUNCT
ijosar-1126	32	9	over	over	ADP
ijosar-1126	32	10	80	80	NUM
ijosar-1126	32	11	%	%	NOUN
ijosar-1126	32	12	of	of	ADP
ijosar-1126	32	13	kenyan	kenyan	ADJ
ijosar-1126	32	14	smes	sme	NOUN
ijosar-1126	32	15	now	now	ADV
ijosar-1126	32	16	use	use	VERB
ijosar-1126	32	17	mobile	mobile	ADJ
ijosar-1126	32	18	money	money	NOUN
ijosar-1126	32	19	for	for	ADP
ijosar-1126	32	20	business	business	NOUN
ijosar-1126	32	21	transactions	transaction	NOUN
ijosar-1126	32	22	.	.	PUNCT
ijosar-1126	33	1	similarly	similarly	ADV
ijosar-1126	33	2	,	,	PUNCT
ijosar-1126	33	3	uganda	uganda	PROPN
ijosar-1126	33	4	,	,	PUNCT
ijosar-1126	33	5	tanzania	tanzania	PROPN
ijosar-1126	33	6	,	,	PUNCT
ijosar-1126	33	7	and	and	CCONJ
ijosar-1126	33	8	ethiopia	ethiopia	PROPN
ijosar-1126	33	9	have	have	AUX
ijosar-1126	33	10	launched	launch	VERB
ijosar-1126	33	11	regulatory	regulatory	ADJ
ijosar-1126	33	12	sandboxes	sandbox	NOUN
ijosar-1126	33	13	and	and	CCONJ
ijosar-1126	33	14	digital	digital	ADJ
ijosar-1126	33	15	finance	finance	NOUN
ijosar-1126	33	16	policies	policy	NOUN
ijosar-1126	33	17	to	to	PART
ijosar-1126	33	18	expand	expand	VERB
ijosar-1126	33	19	fintech	fintech	NOUN
ijosar-1126	33	20	adoption	adoption	NOUN
ijosar-1126	33	21	.	.	PUNCT
ijosar-1126	34	1	despite	despite	SCONJ
ijosar-1126	34	2	these	these	DET
ijosar-1126	34	3	strides	stride	NOUN
ijosar-1126	34	4	,	,	PUNCT
ijosar-1126	34	5	east	east	PROPN
ijosar-1126	34	6	africa	africa	PROPN
ijosar-1126	34	7	faces	face	VERB
ijosar-1126	34	8	persistent	persistent	ADJ
ijosar-1126	34	9	barriers	barrier	NOUN
ijosar-1126	34	10	such	such	ADJ
ijosar-1126	34	11	as	as	ADP
ijosar-1126	34	12	limited	limited	ADJ
ijosar-1126	34	13	cross	cross	ADJ
ijosar-1126	34	14	-	-	ADJ
ijosar-1126	34	15	border	border	ADJ
ijosar-1126	34	16	interoperability	interoperability	NOUN
ijosar-1126	34	17	,	,	PUNCT
ijosar-1126	34	18	infrastructure	infrastructure	NOUN
ijosar-1126	34	19	gaps	gap	NOUN
ijosar-1126	34	20	in	in	ADP
ijosar-1126	34	21	rural	rural	ADJ
ijosar-1126	34	22	areas	area	NOUN
ijosar-1126	34	23	,	,	PUNCT
ijosar-1126	34	24	and	and	CCONJ
ijosar-1126	34	25	constrained	constrained	ADJ
ijosar-1126	34	26	access	access	NOUN
ijosar-1126	34	27	to	to	ADP
ijosar-1126	34	28	venture	venture	NOUN
ijosar-1126	34	29	capital	capital	NOUN
ijosar-1126	34	30	for	for	ADP
ijosar-1126	34	31	local	local	ADJ
ijosar-1126	34	32	fintech	fintech	NOUN
ijosar-1126	34	33	startups	startup	NOUN
ijosar-1126	34	34	(	(	PUNCT
ijosar-1126	34	35	afi	afi	PROPN
ijosar-1126	34	36	,	,	PUNCT
ijosar-1126	34	37	2022	2022	NUM
ijosar-1126	34	38	)	)	PUNCT
ijosar-1126	34	39	.	.	PUNCT
ijosar-1126	35	1	these	these	DET
ijosar-1126	35	2	issues	issue	NOUN
ijosar-1126	35	3	affect	affect	VERB
ijosar-1126	35	4	the	the	DET
ijosar-1126	35	5	scale	scale	NOUN
ijosar-1126	35	6	at	at	ADP
ijosar-1126	35	7	which	which	PRON
ijosar-1126	35	8	fintech	fintech	NOUN
ijosar-1126	35	9	solutions	solution	NOUN
ijosar-1126	35	10	can	can	AUX
ijosar-1126	35	11	effectively	effectively	ADV
ijosar-1126	35	12	support	support	VERB
ijosar-1126	35	13	sme	sme	ADJ
ijosar-1126	35	14	growth	growth	NOUN
ijosar-1126	35	15	across	across	ADP
ijosar-1126	35	16	the	the	DET
ijosar-1126	35	17	region	region	NOUN
ijosar-1126	35	18	.	.	PUNCT
ijosar-1126	36	1	in	in	ADP
ijosar-1126	36	2	rwanda	rwanda	PROPN
ijosar-1126	36	3	,	,	PUNCT
ijosar-1126	36	4	the	the	DET
ijosar-1126	36	5	government	government	NOUN
ijosar-1126	36	6	has	have	AUX
ijosar-1126	36	7	made	make	VERB
ijosar-1126	36	8	fintech	fintech	NOUN
ijosar-1126	36	9	a	a	DET
ijosar-1126	36	10	central	central	ADJ
ijosar-1126	36	11	pillar	pillar	NOUN
ijosar-1126	36	12	of	of	ADP
ijosar-1126	36	13	its	its	PRON
ijosar-1126	36	14	vision	vision	NOUN
ijosar-1126	36	15	2050	2050	NUM
ijosar-1126	36	16	,	,	PUNCT
ijosar-1126	36	17	aiming	aim	VERB
ijosar-1126	36	18	to	to	PART
ijosar-1126	36	19	transform	transform	VERB
ijosar-1126	36	20	the	the	DET
ijosar-1126	36	21	country	country	NOUN
ijosar-1126	36	22	into	into	ADP
ijosar-1126	36	23	a	a	DET
ijosar-1126	36	24	knowledge	knowledge	NOUN
ijosar-1126	36	25	-	-	PUNCT
ijosar-1126	36	26	based	base	VERB
ijosar-1126	36	27	and	and	CCONJ
ijosar-1126	36	28	cashless	cashless	NOUN
ijosar-1126	36	29	economy	economy	NOUN
ijosar-1126	36	30	.	.	PUNCT
ijosar-1126	37	1	the	the	DET
ijosar-1126	37	2	national	national	PROPN
ijosar-1126	37	3	bank	bank	PROPN
ijosar-1126	37	4	of	of	ADP
ijosar-1126	37	5	rwanda	rwanda	PROPN
ijosar-1126	37	6	(	(	PUNCT
ijosar-1126	37	7	bnr	bnr	PROPN
ijosar-1126	37	8	)	)	PUNCT
ijosar-1126	37	9	and	and	CCONJ
ijosar-1126	37	10	rwanda	rwanda	PROPN
ijosar-1126	37	11	fintech	fintech	NOUN
ijosar-1126	37	12	association	association	NOUN
ijosar-1126	37	13	have	have	AUX
ijosar-1126	37	14	been	be	AUX
ijosar-1126	37	15	proactive	proactive	ADJ
ijosar-1126	37	16	in	in	ADP
ijosar-1126	37	17	creating	create	VERB
ijosar-1126	37	18	an	an	DET
ijosar-1126	37	19	enabling	enable	VERB
ijosar-1126	37	20	environment	environment	NOUN
ijosar-1126	37	21	through	through	ADP
ijosar-1126	37	22	regulatory	regulatory	ADJ
ijosar-1126	37	23	frameworks	framework	NOUN
ijosar-1126	37	24	,	,	PUNCT
ijosar-1126	37	25	financial	financial	ADJ
ijosar-1126	37	26	sector	sector	NOUN
ijosar-1126	37	27	digitization	digitization	NOUN
ijosar-1126	37	28	,	,	PUNCT
ijosar-1126	37	29	and	and	CCONJ
ijosar-1126	37	30	public	public	ADJ
ijosar-1126	37	31	-	-	PUNCT
ijosar-1126	37	32	private	private	ADJ
ijosar-1126	37	33	partnerships	partnership	NOUN
ijosar-1126	37	34	.	.	PUNCT
ijosar-1126	38	1	as	as	ADP
ijosar-1126	38	2	of	of	ADP
ijosar-1126	38	3	2023	2023	NUM
ijosar-1126	38	4	,	,	PUNCT
ijosar-1126	38	5	over	over	ADP
ijosar-1126	38	6	6.5	6.5	NUM
ijosar-1126	38	7	million	million	NUM
ijosar-1126	38	8	rwandans	rwandan	NOUN
ijosar-1126	38	9	were	be	AUX
ijosar-1126	38	10	actively	actively	ADV
ijosar-1126	38	11	using	use	VERB
ijosar-1126	38	12	mobile	mobile	ADJ
ijosar-1126	38	13	money	money	NOUN
ijosar-1126	38	14	services	service	NOUN
ijosar-1126	38	15	,	,	PUNCT
ijosar-1126	38	16	accounting	account	VERB
ijosar-1126	38	17	for	for	ADP
ijosar-1126	38	18	more	more	ADJ
ijosar-1126	38	19	than	than	ADP
ijosar-1126	38	20	400	400	NUM
ijosar-1126	38	21	million	million	NUM
ijosar-1126	38	22	transactions	transaction	NOUN
ijosar-1126	38	23	valued	value	VERB
ijosar-1126	38	24	at	at	ADP
ijosar-1126	38	25	rwf	rwf	NOUN
ijosar-1126	38	26	6.2	6.2	NUM
ijosar-1126	38	27	trillion	trillion	NUM
ijosar-1126	38	28	annually	annually	ADV
ijosar-1126	38	29	(	(	PUNCT
ijosar-1126	38	30	bnr	bnr	PROPN
ijosar-1126	38	31	,	,	PUNCT
ijosar-1126	38	32	2023	2023	NUM
ijosar-1126	38	33	)	)	PUNCT
ijosar-1126	38	34	.	.	PUNCT
ijosar-1126	39	1	additionally	additionally	ADV
ijosar-1126	39	2	,	,	PUNCT
ijosar-1126	39	3	mobile	mobile	ADJ
ijosar-1126	39	4	penetration	penetration	NOUN
ijosar-1126	39	5	in	in	ADP
ijosar-1126	39	6	rwanda	rwanda	PROPN
ijosar-1126	39	7	stands	stand	VERB
ijosar-1126	39	8	at	at	ADP
ijosar-1126	39	9	≈	≈	PROPN
ijosar-1126	39	10	84	84	NUM
ijosar-1126	39	11	%	%	NOUN
ijosar-1126	39	12	,	,	PUNCT
ijosar-1126	39	13	and	and	CCONJ
ijosar-1126	39	14	internet	internet	NOUN
ijosar-1126	39	15	penetration	penetration	NOUN
ijosar-1126	39	16	at	at	ADP
ijosar-1126	39	17	66	66	NUM
ijosar-1126	39	18	%	%	NOUN
ijosar-1126	39	19	(	(	PUNCT
ijosar-1126	39	20	rura	rura	NOUN
ijosar-1126	39	21	,	,	PUNCT
ijosar-1126	39	22	2023	2023	NUM
ijosar-1126	39	23	)	)	PUNCT
ijosar-1126	39	24	,	,	PUNCT
ijosar-1126	39	25	creating	create	VERB
ijosar-1126	39	26	fertile	fertile	ADJ
ijosar-1126	39	27	ground	ground	NOUN
ijosar-1126	39	28	for	for	ADP
ijosar-1126	39	29	fintech	fintech	NOUN
ijosar-1126	39	30	expansion	expansion	NOUN
ijosar-1126	39	31	.	.	PUNCT
ijosar-1126	40	1	smes	sme	NOUN
ijosar-1126	40	2	represent	represent	VERB
ijosar-1126	40	3	over	over	ADP
ijosar-1126	40	4	98	98	NUM
ijosar-1126	40	5	%	%	NOUN
ijosar-1126	40	6	of	of	ADP
ijosar-1126	40	7	registered	register	VERB
ijosar-1126	40	8	businesses	business	NOUN
ijosar-1126	40	9	in	in	ADP
ijosar-1126	40	10	rwanda	rwanda	PROPN
ijosar-1126	40	11	,	,	PUNCT
ijosar-1126	40	12	contributing	contribute	VERB
ijosar-1126	40	13	about	about	ADV
ijosar-1126	40	14	41	41	NUM
ijosar-1126	40	15	%	%	NOUN
ijosar-1126	40	16	to	to	ADP
ijosar-1126	40	17	gdp	gdp	NOUN
ijosar-1126	40	18	and	and	CCONJ
ijosar-1126	40	19	employing	employ	VERB
ijosar-1126	40	20	more	more	ADJ
ijosar-1126	40	21	than	than	ADP
ijosar-1126	40	22	60	60	NUM
ijosar-1126	40	23	%	%	NOUN
ijosar-1126	40	24	of	of	ADP
ijosar-1126	40	25	the	the	DET
ijosar-1126	40	26	labor	labor	NOUN
ijosar-1126	40	27	force	force	NOUN
ijosar-1126	40	28	(	(	PUNCT
ijosar-1126	40	29	minicom	minicom	PROPN
ijosar-1126	40	30	,	,	PUNCT
ijosar-1126	40	31	2022	2022	NUM
ijosar-1126	40	32	)	)	PUNCT
ijosar-1126	40	33	.	.	PUNCT
ijosar-1126	41	1	however	however	ADV
ijosar-1126	41	2	,	,	PUNCT
ijosar-1126	41	3	only	only	ADV
ijosar-1126	41	4	35	35	NUM
ijosar-1126	41	5	%	%	NOUN
ijosar-1126	41	6	of	of	ADP
ijosar-1126	41	7	rwandan	rwandan	PROPN
ijosar-1126	41	8	smes	sme	NOUN
ijosar-1126	41	9	have	have	VERB
ijosar-1126	41	10	access	access	NOUN
ijosar-1126	41	11	to	to	ADP
ijosar-1126	41	12	formal	formal	ADJ
ijosar-1126	41	13	credit	credit	NOUN
ijosar-1126	41	14	,	,	PUNCT
ijosar-1126	41	15	with	with	ADP
ijosar-1126	41	16	many	many	ADJ
ijosar-1126	41	17	citing	cite	VERB
ijosar-1126	41	18	collateral	collateral	ADJ
ijosar-1126	41	19	constraints	constraint	NOUN
ijosar-1126	41	20	,	,	PUNCT
ijosar-1126	41	21	complex	complex	ADJ
ijosar-1126	41	22	procedures	procedure	NOUN
ijosar-1126	41	23	,	,	PUNCT
ijosar-1126	41	24	and	and	CCONJ
ijosar-1126	41	25	high	high	ADJ
ijosar-1126	41	26	interest	interest	NOUN
ijosar-1126	41	27	rates	rate	NOUN
ijosar-1126	41	28	as	as	ADP
ijosar-1126	41	29	barriers	barrier	NOUN
ijosar-1126	41	30	(	(	PUNCT
ijosar-1126	41	31	world	world	PROPN
ijosar-1126	41	32	bank	bank	NOUN
ijosar-1126	41	33	,	,	PUNCT
ijosar-1126	41	34	2021	2021	NUM
ijosar-1126	41	35	)	)	PUNCT
ijosar-1126	41	36	.	.	PUNCT
ijosar-1126	42	1	this	this	DET
ijosar-1126	42	2	financing	financing	NOUN
ijosar-1126	42	3	gap	gap	NOUN
ijosar-1126	42	4	presents	present	VERB
ijosar-1126	42	5	a	a	DET
ijosar-1126	42	6	critical	critical	ADJ
ijosar-1126	42	7	opportunity	opportunity	NOUN
ijosar-1126	42	8	for	for	SCONJ
ijosar-1126	42	9	fintech	fintech	NOUN
ijosar-1126	42	10	to	to	PART
ijosar-1126	42	11	deliver	deliver	VERB
ijosar-1126	42	12	affordable	affordable	ADJ
ijosar-1126	42	13	,	,	PUNCT
ijosar-1126	42	14	fast	fast	ADJ
ijosar-1126	42	15	,	,	PUNCT
ijosar-1126	42	16	and	and	CCONJ
ijosar-1126	42	17	scalable	scalable	ADJ
ijosar-1126	42	18	financial	financial	ADJ
ijosar-1126	42	19	solutions	solution	NOUN
ijosar-1126	42	20	.	.	PUNCT
ijosar-1126	43	1	ijo	ijo	PROPN
ijosar-1126	43	2	journals	journal	NOUN
ijosar-1126	43	3	volume	volume	NOUN
ijosar-1126	43	4	08	08	NUM
ijosar-1126	44	1	|	|	ADV
ijosar-1126	44	2	issue	issue	NOUN
ijosar-1126	44	3	08	08	NUM
ijosar-1126	45	1	|	|	ADV
ijosar-1126	45	2	august	august	PROPN
ijosar-1126	45	3	2025	2025	NUM
ijosar-1126	45	4	|	|	ADV
ijosar-1126	45	5	https://ijojournals.com/index.php/ssh/index	https://ijojournals.com/index.php/ssh/index	NOUN
ijosar-1126	45	6	85	85	NUM
ijosar-1126	45	7	ijointernational	ijointernational	ADJ
ijosar-1126	45	8	journal	journal	NOUN
ijosar-1126	45	9	of	of	ADP
ijosar-1126	45	10	social	social	ADJ
ijosar-1126	45	11	science	science	NOUN
ijosar-1126	45	12	and	and	CCONJ
ijosar-1126	45	13	humanities	humanity	NOUN
ijosar-1126	45	14	research	research	NOUN
ijosar-1126	45	15	(	(	PUNCT
ijosar-1126	45	16	issn	issn	PROPN
ijosar-1126	45	17	2811	2811	NUM
ijosar-1126	45	18	-	-	SYM
ijosar-1126	45	19	2466	2466	NUM
ijosar-1126	45	20	)	)	PUNCT
ijosar-1126	45	21	obiora	obiora	PROPN
ijosar-1126	45	22	peters	peters	PROPN
ijosar-1126	45	23	,	,	PUNCT
ijosar-1126	45	24	emeka	emeka	VERB
ijosar-1126	45	25	phd1	phd1	PROPN
ijosar-1126	45	26	*	*	PUNCT
ijosar-1126	45	27	https://ijojournals.com/	https://ijojournals.com/	PROPN
ijosar-1126	45	28	volume	volume	NOUN
ijosar-1126	45	29	08	08	NUM
ijosar-1126	46	1	||	||	PROPN
ijosar-1126	46	2	issue	issue	NOUN
ijosar-1126	46	3	08	08	NUM
ijosar-1126	46	4	||	||	NOUN
ijosar-1126	46	5	august	august	PROPN
ijosar-1126	46	6	,	,	PUNCT
ijosar-1126	46	7	2025	2025	NUM
ijosar-1126	46	8	||	||	PUNCT
ijosar-1126	47	1	“	"	PUNCT
ijosar-1126	47	2	the	the	DET
ijosar-1126	47	3	impact	impact	NOUN
ijosar-1126	47	4	of	of	ADP
ijosar-1126	47	5	financial	financial	ADJ
ijosar-1126	47	6	technology	technology	NOUN
ijosar-1126	47	7	on	on	ADP
ijosar-1126	47	8	the	the	DET
ijosar-1126	47	9	growth	growth	NOUN
ijosar-1126	47	10	of	of	ADP
ijosar-1126	47	11	smes	sme	NOUN
ijosar-1126	47	12	in	in	ADP
ijosar-1126	47	13	rwanda	rwanda	PROPN
ijosar-1126	47	14	(	(	PUNCT
ijosar-1126	47	15	2020	2020	NUM
ijosar-1126	47	16	-	-	SYM
ijosar-1126	47	17	2024	2024	NUM
ijosar-1126	47	18	)	)	PUNCT
ijosar-1126	47	19	"	"	PUNCT
ijosar-1126	47	20	several	several	ADJ
ijosar-1126	47	21	studies	study	NOUN
ijosar-1126	47	22	have	have	AUX
ijosar-1126	47	23	attempted	attempt	VERB
ijosar-1126	47	24	to	to	PART
ijosar-1126	47	25	assess	assess	VERB
ijosar-1126	47	26	the	the	DET
ijosar-1126	47	27	role	role	NOUN
ijosar-1126	47	28	of	of	ADP
ijosar-1126	47	29	fintech	fintech	NOUN
ijosar-1126	47	30	in	in	ADP
ijosar-1126	47	31	economic	economic	ADJ
ijosar-1126	47	32	development	development	NOUN
ijosar-1126	47	33	and	and	CCONJ
ijosar-1126	47	34	sme	sme	NOUN
ijosar-1126	47	35	financing	financing	NOUN
ijosar-1126	47	36	.	.	PUNCT
ijosar-1126	48	1	for	for	ADP
ijosar-1126	48	2	instance	instance	NOUN
ijosar-1126	48	3	,	,	PUNCT
ijosar-1126	48	4	zhao	zhao	PROPN
ijosar-1126	48	5	et	et	PROPN
ijosar-1126	48	6	al	al	PROPN
ijosar-1126	48	7	.	.	PROPN
ijosar-1126	49	1	(	(	PUNCT
ijosar-1126	49	2	2020	2020	NUM
ijosar-1126	49	3	)	)	PUNCT
ijosar-1126	49	4	found	find	VERB
ijosar-1126	49	5	that	that	SCONJ
ijosar-1126	49	6	fintech	fintech	NOUN
ijosar-1126	49	7	improves	improve	VERB
ijosar-1126	49	8	sme	sme	ADJ
ijosar-1126	49	9	access	access	NOUN
ijosar-1126	49	10	to	to	ADP
ijosar-1126	49	11	credit	credit	NOUN
ijosar-1126	49	12	by	by	ADP
ijosar-1126	49	13	using	use	VERB
ijosar-1126	49	14	alternative	alternative	ADJ
ijosar-1126	49	15	credit	credit	NOUN
ijosar-1126	49	16	scoring	scoring	NOUN
ijosar-1126	49	17	methods	method	NOUN
ijosar-1126	49	18	.	.	PUNCT
ijosar-1126	50	1	ozili	ozili	NOUN
ijosar-1126	50	2	(	(	PUNCT
ijosar-1126	50	3	2018	2018	NUM
ijosar-1126	50	4	)	)	PUNCT
ijosar-1126	50	5	argued	argue	VERB
ijosar-1126	50	6	that	that	SCONJ
ijosar-1126	50	7	fintech	fintech	NOUN
ijosar-1126	50	8	helps	help	VERB
ijosar-1126	50	9	reduce	reduce	VERB
ijosar-1126	50	10	the	the	DET
ijosar-1126	50	11	cost	cost	NOUN
ijosar-1126	50	12	of	of	ADP
ijosar-1126	50	13	financial	financial	ADJ
ijosar-1126	50	14	services	service	NOUN
ijosar-1126	50	15	and	and	CCONJ
ijosar-1126	50	16	promotes	promote	VERB
ijosar-1126	50	17	financial	financial	ADJ
ijosar-1126	50	18	inclusion	inclusion	NOUN
ijosar-1126	50	19	,	,	PUNCT
ijosar-1126	50	20	especially	especially	ADV
ijosar-1126	50	21	in	in	ADP
ijosar-1126	50	22	africa	africa	PROPN
ijosar-1126	50	23	.	.	PUNCT
ijosar-1126	51	1	in	in	ADP
ijosar-1126	51	2	the	the	DET
ijosar-1126	51	3	east	east	ADJ
ijosar-1126	51	4	african	african	ADJ
ijosar-1126	51	5	context	context	NOUN
ijosar-1126	51	6	,	,	PUNCT
ijosar-1126	51	7	muthiora	muthiora	NOUN
ijosar-1126	51	8	(	(	PUNCT
ijosar-1126	51	9	2019	2019	NUM
ijosar-1126	51	10	)	)	PUNCT
ijosar-1126	51	11	studied	study	VERB
ijosar-1126	51	12	the	the	DET
ijosar-1126	51	13	positive	positive	ADJ
ijosar-1126	51	14	effects	effect	NOUN
ijosar-1126	51	15	of	of	ADP
ijosar-1126	51	16	digital	digital	ADJ
ijosar-1126	51	17	credit	credit	NOUN
ijosar-1126	51	18	on	on	ADP
ijosar-1126	51	19	sme	sme	ADJ
ijosar-1126	51	20	resilience	resilience	NOUN
ijosar-1126	51	21	in	in	ADP
ijosar-1126	51	22	kenya	kenya	PROPN
ijosar-1126	51	23	.	.	PUNCT
ijosar-1126	52	1	however	however	ADV
ijosar-1126	52	2	,	,	PUNCT
ijosar-1126	52	3	empirical	empirical	ADJ
ijosar-1126	52	4	studies	study	NOUN
ijosar-1126	52	5	specific	specific	ADJ
ijosar-1126	52	6	to	to	ADP
ijosar-1126	52	7	rwanda	rwanda	PROPN
ijosar-1126	52	8	are	be	AUX
ijosar-1126	52	9	limited	limited	ADJ
ijosar-1126	52	10	,	,	PUNCT
ijosar-1126	52	11	particularly	particularly	ADV
ijosar-1126	52	12	those	those	PRON
ijosar-1126	52	13	that	that	PRON
ijosar-1126	52	14	assess	assess	VERB
ijosar-1126	52	15	the	the	DET
ijosar-1126	52	16	direct	direct	ADJ
ijosar-1126	52	17	impact	impact	NOUN
ijosar-1126	52	18	of	of	ADP
ijosar-1126	52	19	fintech	fintech	NOUN
ijosar-1126	52	20	services	service	NOUN
ijosar-1126	52	21	on	on	ADP
ijosar-1126	52	22	sme	sme	ADJ
ijosar-1126	52	23	growth	growth	NOUN
ijosar-1126	52	24	indicators	indicator	NOUN
ijosar-1126	52	25	such	such	ADJ
ijosar-1126	52	26	as	as	ADP
ijosar-1126	52	27	revenue	revenue	NOUN
ijosar-1126	52	28	expansion	expansion	NOUN
ijosar-1126	52	29	,	,	PUNCT
ijosar-1126	52	30	job	job	NOUN
ijosar-1126	52	31	creation	creation	NOUN
ijosar-1126	52	32	,	,	PUNCT
ijosar-1126	52	33	market	market	NOUN
ijosar-1126	52	34	access	access	NOUN
ijosar-1126	52	35	,	,	PUNCT
ijosar-1126	52	36	and	and	CCONJ
ijosar-1126	52	37	productivity	productivity	NOUN
ijosar-1126	52	38	.	.	PUNCT
ijosar-1126	53	1	moreover	moreover	ADV
ijosar-1126	53	2	,	,	PUNCT
ijosar-1126	53	3	existing	exist	VERB
ijosar-1126	53	4	research	research	NOUN
ijosar-1126	53	5	in	in	ADP
ijosar-1126	53	6	rwanda	rwanda	PROPN
ijosar-1126	53	7	often	often	ADV
ijosar-1126	53	8	generalizes	generalize	VERB
ijosar-1126	53	9	digital	digital	ADJ
ijosar-1126	53	10	finance	finance	NOUN
ijosar-1126	53	11	under	under	ADP
ijosar-1126	53	12	mobile	mobile	ADJ
ijosar-1126	53	13	money	money	NOUN
ijosar-1126	53	14	use	use	NOUN
ijosar-1126	53	15	without	without	ADP
ijosar-1126	53	16	disaggregating	disaggregate	VERB
ijosar-1126	53	17	the	the	DET
ijosar-1126	53	18	various	various	ADJ
ijosar-1126	53	19	fintech	fintech	NOUN
ijosar-1126	53	20	verticals	vertical	NOUN
ijosar-1126	53	21	—	—	PUNCT
ijosar-1126	53	22	such	such	ADJ
ijosar-1126	53	23	as	as	ADP
ijosar-1126	53	24	digital	digital	ADJ
ijosar-1126	53	25	lending	lending	NOUN
ijosar-1126	53	26	,	,	PUNCT
ijosar-1126	53	27	crowd	crowd	NOUN
ijosar-1126	53	28	funding	funding	NOUN
ijosar-1126	53	29	,	,	PUNCT
ijosar-1126	53	30	digital	digital	ADJ
ijosar-1126	53	31	insurance	insurance	NOUN
ijosar-1126	53	32	,	,	PUNCT
ijosar-1126	53	33	and	and	CCONJ
ijosar-1126	53	34	blockchain	blockchain	PROPN
ijosar-1126	53	35	applications	application	NOUN
ijosar-1126	53	36	—	—	PUNCT
ijosar-1126	53	37	each	each	PRON
ijosar-1126	53	38	of	of	ADP
ijosar-1126	53	39	which	which	PRON
ijosar-1126	53	40	may	may	AUX
ijosar-1126	53	41	have	have	VERB
ijosar-1126	53	42	different	different	ADJ
ijosar-1126	53	43	impacts	impact	NOUN
ijosar-1126	53	44	on	on	ADP
ijosar-1126	53	45	sme	sme	NOUN
ijosar-1126	53	46	performance	performance	NOUN
ijosar-1126	53	47	.	.	PUNCT
ijosar-1126	54	1	there	there	PRON
ijosar-1126	54	2	is	be	VERB
ijosar-1126	54	3	also	also	ADV
ijosar-1126	54	4	a	a	DET
ijosar-1126	54	5	lack	lack	NOUN
ijosar-1126	54	6	of	of	ADP
ijosar-1126	54	7	comprehensive	comprehensive	ADJ
ijosar-1126	54	8	data	datum	NOUN
ijosar-1126	54	9	on	on	ADP
ijosar-1126	54	10	how	how	SCONJ
ijosar-1126	54	11	smes	sme	NOUN
ijosar-1126	54	12	in	in	ADP
ijosar-1126	54	13	rural	rural	ADJ
ijosar-1126	54	14	versus	versus	ADP
ijosar-1126	54	15	urban	urban	ADJ
ijosar-1126	54	16	areas	area	NOUN
ijosar-1126	54	17	engage	engage	VERB
ijosar-1126	54	18	with	with	ADP
ijosar-1126	54	19	fintech	fintech	NOUN
ijosar-1126	54	20	platforms	platform	NOUN
ijosar-1126	54	21	,	,	PUNCT
ijosar-1126	54	22	and	and	CCONJ
ijosar-1126	54	23	what	what	DET
ijosar-1126	54	24	barriers	barrier	NOUN
ijosar-1126	54	25	they	they	PRON
ijosar-1126	54	26	face	face	VERB
ijosar-1126	54	27	in	in	ADP
ijosar-1126	54	28	accessing	access	VERB
ijosar-1126	54	29	or	or	CCONJ
ijosar-1126	54	30	benefiting	benefit	VERB
ijosar-1126	54	31	from	from	ADP
ijosar-1126	54	32	these	these	DET
ijosar-1126	54	33	services	service	NOUN
ijosar-1126	54	34	.	.	PUNCT
ijosar-1126	55	1	additionally	additionally	ADV
ijosar-1126	55	2	,	,	PUNCT
ijosar-1126	55	3	the	the	DET
ijosar-1126	55	4	integration	integration	NOUN
ijosar-1126	55	5	of	of	ADP
ijosar-1126	55	6	non	non	ADJ
ijosar-1126	55	7	-	-	ADJ
ijosar-1126	55	8	financial	financial	ADJ
ijosar-1126	55	9	digital	digital	ADJ
ijosar-1126	55	10	services	service	NOUN
ijosar-1126	55	11	,	,	PUNCT
ijosar-1126	55	12	such	such	ADJ
ijosar-1126	55	13	as	as	ADP
ijosar-1126	55	14	business	business	NOUN
ijosar-1126	55	15	management	management	NOUN
ijosar-1126	55	16	tools	tool	NOUN
ijosar-1126	55	17	,	,	PUNCT
ijosar-1126	55	18	digital	digital	ADJ
ijosar-1126	55	19	bookkeeping	bookkeeping	NOUN
ijosar-1126	55	20	,	,	PUNCT
ijosar-1126	55	21	and	and	CCONJ
ijosar-1126	55	22	e	e	X
ijosar-1126	55	23	-	-	NOUN
ijosar-1126	55	24	commerce	commerce	NOUN
ijosar-1126	55	25	support	support	NOUN
ijosar-1126	55	26	,	,	PUNCT
ijosar-1126	55	27	remains	remain	VERB
ijosar-1126	55	28	largely	largely	ADV
ijosar-1126	55	29	unexplored	unexplored	ADJ
ijosar-1126	55	30	in	in	ADP
ijosar-1126	55	31	the	the	DET
ijosar-1126	55	32	local	local	ADJ
ijosar-1126	55	33	literature	literature	NOUN
ijosar-1126	55	34	.	.	PUNCT
ijosar-1126	56	1	given	give	VERB
ijosar-1126	56	2	rwanda	rwanda	PROPN
ijosar-1126	56	3	’s	’s	PART
ijosar-1126	56	4	ambitious	ambitious	ADJ
ijosar-1126	56	5	goal	goal	NOUN
ijosar-1126	56	6	to	to	PART
ijosar-1126	56	7	become	become	VERB
ijosar-1126	56	8	a	a	DET
ijosar-1126	56	9	middle	middle	ADJ
ijosar-1126	56	10	-	-	PUNCT
ijosar-1126	56	11	income	income	NOUN
ijosar-1126	56	12	country	country	NOUN
ijosar-1126	56	13	by	by	ADP
ijosar-1126	56	14	2035	2035	NUM
ijosar-1126	56	15	,	,	PUNCT
ijosar-1126	56	16	it	it	PRON
ijosar-1126	56	17	is	be	AUX
ijosar-1126	56	18	imperative	imperative	ADJ
ijosar-1126	56	19	to	to	PART
ijosar-1126	56	20	understand	understand	VERB
ijosar-1126	56	21	how	how	SCONJ
ijosar-1126	56	22	fintech	fintech	NOUN
ijosar-1126	56	23	can	can	AUX
ijosar-1126	56	24	be	be	AUX
ijosar-1126	56	25	strategically	strategically	ADV
ijosar-1126	56	26	leveraged	leveraged	ADJ
ijosar-1126	56	27	to	to	PART
ijosar-1126	56	28	unlock	unlock	VERB
ijosar-1126	56	29	the	the	DET
ijosar-1126	56	30	full	full	ADJ
ijosar-1126	56	31	potential	potential	NOUN
ijosar-1126	56	32	of	of	ADP
ijosar-1126	56	33	smes	sme	NOUN
ijosar-1126	56	34	,	,	PUNCT
ijosar-1126	56	35	especially	especially	ADV
ijosar-1126	56	36	in	in	ADP
ijosar-1126	56	37	sectors	sector	NOUN
ijosar-1126	56	38	such	such	ADJ
ijosar-1126	56	39	as	as	ADP
ijosar-1126	56	40	agriculture	agriculture	NOUN
ijosar-1126	56	41	,	,	PUNCT
ijosar-1126	56	42	manufacturing	manufacturing	NOUN
ijosar-1126	56	43	,	,	PUNCT
ijosar-1126	56	44	and	and	CCONJ
ijosar-1126	56	45	services	service	NOUN
ijosar-1126	56	46	.	.	PUNCT
ijosar-1126	57	1	the	the	DET
ijosar-1126	57	2	urgent	urgent	ADJ
ijosar-1126	57	3	need	need	NOUN
ijosar-1126	57	4	to	to	PART
ijosar-1126	57	5	undertake	undertake	VERB
ijosar-1126	57	6	this	this	DET
ijosar-1126	57	7	study	study	NOUN
ijosar-1126	57	8	stems	stem	VERB
ijosar-1126	57	9	from	from	ADP
ijosar-1126	57	10	the	the	DET
ijosar-1126	57	11	dual	dual	ADJ
ijosar-1126	57	12	challenge	challenge	NOUN
ijosar-1126	57	13	of	of	ADP
ijosar-1126	57	14	limited	limited	ADJ
ijosar-1126	57	15	sme	sme	NOUN
ijosar-1126	57	16	financing	financing	NOUN
ijosar-1126	57	17	and	and	CCONJ
ijosar-1126	57	18	under	under	ADV
ijosar-1126	57	19	-	-	PUNCT
ijosar-1126	57	20	researched	research	VERB
ijosar-1126	57	21	fintech	fintech	NOUN
ijosar-1126	57	22	performance	performance	NOUN
ijosar-1126	57	23	in	in	ADP
ijosar-1126	57	24	rwanda	rwanda	PROPN
ijosar-1126	57	25	.	.	PUNCT
ijosar-1126	58	1	a	a	DET
ijosar-1126	58	2	rigorous	rigorous	ADJ
ijosar-1126	58	3	,	,	PUNCT
ijosar-1126	58	4	data	data	NOUN
ijosar-1126	58	5	-	-	PUNCT
ijosar-1126	58	6	driven	drive	VERB
ijosar-1126	58	7	investigation	investigation	NOUN
ijosar-1126	58	8	into	into	ADP
ijosar-1126	58	9	the	the	DET
ijosar-1126	58	10	impact	impact	NOUN
ijosar-1126	58	11	of	of	ADP
ijosar-1126	58	12	fintech	fintech	NOUN
ijosar-1126	58	13	on	on	ADP
ijosar-1126	58	14	sme	sme	ADJ
ijosar-1126	58	15	growth	growth	NOUN
ijosar-1126	58	16	will	will	AUX
ijosar-1126	58	17	not	not	PART
ijosar-1126	58	18	only	only	ADV
ijosar-1126	58	19	fill	fill	VERB
ijosar-1126	58	20	critical	critical	ADJ
ijosar-1126	58	21	knowledge	knowledge	NOUN
ijosar-1126	58	22	gaps	gap	NOUN
ijosar-1126	58	23	but	but	CCONJ
ijosar-1126	58	24	also	also	ADV
ijosar-1126	58	25	provide	provide	VERB
ijosar-1126	58	26	actionable	actionable	ADJ
ijosar-1126	58	27	insights	insight	NOUN
ijosar-1126	58	28	for	for	ADP
ijosar-1126	58	29	policymakers	policymaker	NOUN
ijosar-1126	58	30	,	,	PUNCT
ijosar-1126	58	31	regulators	regulator	NOUN
ijosar-1126	58	32	,	,	PUNCT
ijosar-1126	58	33	fintech	fintech	NOUN
ijosar-1126	58	34	innovators	innovator	NOUN
ijosar-1126	58	35	,	,	PUNCT
ijosar-1126	58	36	and	and	CCONJ
ijosar-1126	58	37	sme	sme	PROPN
ijosar-1126	58	38	support	support	NOUN
ijosar-1126	58	39	institutions	institution	NOUN
ijosar-1126	58	40	.	.	PUNCT
ijosar-1126	59	1	without	without	ADP
ijosar-1126	59	2	such	such	ADJ
ijosar-1126	59	3	research	research	NOUN
ijosar-1126	59	4	,	,	PUNCT
ijosar-1126	59	5	rwanda	rwanda	PROPN
ijosar-1126	59	6	risks	risk	VERB
ijosar-1126	59	7	missing	miss	VERB
ijosar-1126	59	8	a	a	DET
ijosar-1126	59	9	vital	vital	ADJ
ijosar-1126	59	10	opportunity	opportunity	NOUN
ijosar-1126	59	11	to	to	PART
ijosar-1126	59	12	accelerate	accelerate	VERB
ijosar-1126	59	13	inclusive	inclusive	ADJ
ijosar-1126	59	14	economic	economic	ADJ
ijosar-1126	59	15	development	development	NOUN
ijosar-1126	59	16	through	through	ADP
ijosar-1126	59	17	digital	digital	ADJ
ijosar-1126	59	18	financial	financial	ADJ
ijosar-1126	59	19	innovation	innovation	NOUN
ijosar-1126	59	20	.	.	PUNCT
ijosar-1126	60	1	despite	despite	SCONJ
ijosar-1126	60	2	rwanda	rwanda	PROPN
ijosar-1126	60	3	’s	’s	PART
ijosar-1126	60	4	impressive	impressive	ADJ
ijosar-1126	60	5	strides	stride	NOUN
ijosar-1126	60	6	in	in	ADP
ijosar-1126	60	7	financial	financial	ADJ
ijosar-1126	60	8	inclusion	inclusion	NOUN
ijosar-1126	60	9	marked	mark	VERB
ijosar-1126	60	10	by	by	ADP
ijosar-1126	60	11	widespread	widespread	ADJ
ijosar-1126	60	12	adoption	adoption	NOUN
ijosar-1126	60	13	of	of	ADP
ijosar-1126	60	14	mobile	mobile	ADJ
ijosar-1126	60	15	money	money	NOUN
ijosar-1126	60	16	and	and	CCONJ
ijosar-1126	60	17	other	other	ADJ
ijosar-1126	60	18	digital	digital	ADJ
ijosar-1126	60	19	financial	financial	ADJ
ijosar-1126	60	20	services	service	NOUN
ijosar-1126	60	21	many	many	ADJ
ijosar-1126	60	22	small	small	ADJ
ijosar-1126	60	23	and	and	CCONJ
ijosar-1126	60	24	medium	medium	ADJ
ijosar-1126	60	25	enterprises	enterprise	NOUN
ijosar-1126	60	26	(	(	PUNCT
ijosar-1126	60	27	smes	sme	NOUN
ijosar-1126	60	28	)	)	PUNCT
ijosar-1126	60	29	still	still	ADV
ijosar-1126	60	30	face	face	VERB
ijosar-1126	60	31	challenges	challenge	NOUN
ijosar-1126	60	32	in	in	ADP
ijosar-1126	60	33	accessing	access	VERB
ijosar-1126	60	34	fintech	fintech	NOUN
ijosar-1126	60	35	tools	tool	NOUN
ijosar-1126	60	36	that	that	PRON
ijosar-1126	60	37	are	be	AUX
ijosar-1126	60	38	tailored	tailor	VERB
ijosar-1126	60	39	to	to	ADP
ijosar-1126	60	40	their	their	PRON
ijosar-1126	60	41	business	business	NOUN
ijosar-1126	60	42	growth	growth	NOUN
ijosar-1126	60	43	needs	need	NOUN
ijosar-1126	60	44	.	.	PUNCT
ijosar-1126	61	1	much	much	ADJ
ijosar-1126	61	2	of	of	ADP
ijosar-1126	61	3	the	the	DET
ijosar-1126	61	4	existing	exist	VERB
ijosar-1126	61	5	digital	digital	ADJ
ijosar-1126	61	6	financial	financial	ADJ
ijosar-1126	61	7	infrastructure	infrastructure	NOUN
ijosar-1126	61	8	remains	remain	VERB
ijosar-1126	61	9	consumer	consumer	NOUN
ijosar-1126	61	10	-	-	PUNCT
ijosar-1126	61	11	focused	focus	VERB
ijosar-1126	61	12	,	,	PUNCT
ijosar-1126	61	13	and	and	CCONJ
ijosar-1126	61	14	there	there	PRON
ijosar-1126	61	15	is	be	VERB
ijosar-1126	61	16	a	a	DET
ijosar-1126	61	17	notable	notable	ADJ
ijosar-1126	61	18	lack	lack	NOUN
ijosar-1126	61	19	of	of	ADP
ijosar-1126	61	20	empirical	empirical	ADJ
ijosar-1126	61	21	evidence	evidence	NOUN
ijosar-1126	61	22	from	from	ADP
ijosar-1126	61	23	rwanda	rwanda	PROPN
ijosar-1126	61	24	that	that	PRON
ijosar-1126	61	25	explores	explore	VERB
ijosar-1126	61	26	how	how	SCONJ
ijosar-1126	61	27	individual	individual	ADJ
ijosar-1126	61	28	fintech	fintech	NOUN
ijosar-1126	61	29	components	component	NOUN
ijosar-1126	61	30	contribute	contribute	VERB
ijosar-1126	61	31	specifically	specifically	ADV
ijosar-1126	61	32	to	to	ADP
ijosar-1126	61	33	sme	sme	PROPN
ijosar-1126	61	34	development	development	PROPN
ijosar-1126	61	35	.	.	PUNCT
ijosar-1126	62	1	this	this	DET
ijosar-1126	62	2	research	research	NOUN
ijosar-1126	62	3	is	be	AUX
ijosar-1126	62	4	driven	drive	VERB
ijosar-1126	62	5	by	by	ADP
ijosar-1126	62	6	the	the	DET
ijosar-1126	62	7	need	need	NOUN
ijosar-1126	62	8	to	to	PART
ijosar-1126	62	9	fill	fill	VERB
ijosar-1126	62	10	this	this	DET
ijosar-1126	62	11	gap	gap	NOUN
ijosar-1126	62	12	by	by	ADP
ijosar-1126	62	13	disaggregating	disaggregate	VERB
ijosar-1126	62	14	the	the	DET
ijosar-1126	62	15	effects	effect	NOUN
ijosar-1126	62	16	of	of	ADP
ijosar-1126	62	17	four	four	NUM
ijosar-1126	62	18	major	major	ADJ
ijosar-1126	62	19	fintech	fintech	NOUN
ijosar-1126	62	20	tools	tool	NOUN
ijosar-1126	62	21	digital	digital	ADJ
ijosar-1126	62	22	lending	lending	NOUN
ijosar-1126	62	23	,	,	PUNCT
ijosar-1126	62	24	mobile	mobile	ADJ
ijosar-1126	62	25	money	money	NOUN
ijosar-1126	62	26	,	,	PUNCT
ijosar-1126	62	27	digital	digital	ADJ
ijosar-1126	62	28	credit	credit	NOUN
ijosar-1126	62	29	platforms	platform	NOUN
ijosar-1126	62	30	,	,	PUNCT
ijosar-1126	62	31	and	and	CCONJ
ijosar-1126	62	32	digital	digital	ADJ
ijosar-1126	62	33	wallets	wallet	NOUN
ijosar-1126	62	34	on	on	ADP
ijosar-1126	62	35	sme	sme	ADJ
ijosar-1126	62	36	growth	growth	NOUN
ijosar-1126	62	37	indicators	indicator	NOUN
ijosar-1126	62	38	.	.	PUNCT
ijosar-1126	63	1	therefore	therefore	ADV
ijosar-1126	63	2	,	,	PUNCT
ijosar-1126	63	3	the	the	DET
ijosar-1126	63	4	study	study	NOUN
ijosar-1126	63	5	seeks	seek	VERB
ijosar-1126	63	6	to	to	PART
ijosar-1126	63	7	:	:	PUNCT
ijosar-1126	63	8	(	(	PUNCT
ijosar-1126	63	9	i	i	NOUN
ijosar-1126	63	10	)	)	PUNCT
ijosar-1126	63	11	examine	examine	VERB
ijosar-1126	63	12	how	how	SCONJ
ijosar-1126	63	13	digital	digital	ADJ
ijosar-1126	63	14	lending	lending	NOUN
ijosar-1126	63	15	influences	influence	VERB
ijosar-1126	63	16	sme	sme	NOUN
ijosar-1126	63	17	growth	growth	NOUN
ijosar-1126	63	18	,	,	PUNCT
ijosar-1126	63	19	(	(	PUNCT
ijosar-1126	63	20	ii	ii	NOUN
ijosar-1126	63	21	)	)	PUNCT
ijosar-1126	63	22	investigate	investigate	VERB
ijosar-1126	63	23	the	the	DET
ijosar-1126	63	24	impact	impact	NOUN
ijosar-1126	63	25	of	of	ADP
ijosar-1126	63	26	mobile	mobile	ADJ
ijosar-1126	63	27	money	money	NOUN
ijosar-1126	63	28	on	on	ADP
ijosar-1126	63	29	sme	sme	NOUN
ijosar-1126	63	30	performance	performance	NOUN
ijosar-1126	63	31	,	,	PUNCT
ijosar-1126	63	32	(	(	PUNCT
ijosar-1126	63	33	iii	iii	X
ijosar-1126	63	34	)	)	PUNCT
ijosar-1126	63	35	determine	determine	VERB
ijosar-1126	63	36	the	the	DET
ijosar-1126	63	37	contribution	contribution	NOUN
ijosar-1126	63	38	of	of	ADP
ijosar-1126	63	39	digital	digital	ADJ
ijosar-1126	63	40	credit	credit	NOUN
ijosar-1126	63	41	platforms	platform	NOUN
ijosar-1126	63	42	to	to	ADP
ijosar-1126	63	43	sme	sme	PROPN
ijosar-1126	63	44	development	development	NOUN
ijosar-1126	63	45	,	,	PUNCT
ijosar-1126	63	46	and	and	CCONJ
ijosar-1126	63	47	(	(	PUNCT
ijosar-1126	63	48	iv	iv	X
ijosar-1126	63	49	)	)	PUNCT
ijosar-1126	63	50	assess	assess	VERB
ijosar-1126	63	51	the	the	DET
ijosar-1126	63	52	effect	effect	NOUN
ijosar-1126	63	53	of	of	ADP
ijosar-1126	63	54	digital	digital	ADJ
ijosar-1126	63	55	wallets	wallet	NOUN
ijosar-1126	63	56	on	on	ADP
ijosar-1126	63	57	sme	sme	ADJ
ijosar-1126	63	58	operational	operational	ADJ
ijosar-1126	63	59	expansion	expansion	NOUN
ijosar-1126	63	60	.	.	PUNCT
ijosar-1126	64	1	by	by	ADP
ijosar-1126	64	2	doing	do	VERB
ijosar-1126	64	3	so	so	ADV
ijosar-1126	64	4	,	,	PUNCT
ijosar-1126	64	5	the	the	DET
ijosar-1126	64	6	study	study	NOUN
ijosar-1126	64	7	aims	aim	VERB
ijosar-1126	64	8	to	to	PART
ijosar-1126	64	9	provide	provide	VERB
ijosar-1126	64	10	actionable	actionable	ADJ
ijosar-1126	64	11	insights	insight	NOUN
ijosar-1126	64	12	for	for	ADP
ijosar-1126	64	13	policymakers	policymaker	NOUN
ijosar-1126	64	14	and	and	CCONJ
ijosar-1126	64	15	stakeholders	stakeholder	NOUN
ijosar-1126	64	16	supporting	support	VERB
ijosar-1126	64	17	sme	sme	NOUN
ijosar-1126	64	18	growth	growth	NOUN
ijosar-1126	64	19	through	through	ADP
ijosar-1126	64	20	financial	financial	ADJ
ijosar-1126	64	21	technology	technology	NOUN
ijosar-1126	64	22	in	in	ADP
ijosar-1126	64	23	rwanda	rwanda	PROPN
ijosar-1126	64	24	.	.	PUNCT
ijosar-1126	65	1	2.0	2.0	NUM
ijosar-1126	65	2	literature	literature	NOUN
ijosar-1126	65	3	review	review	VERB
ijosar-1126	65	4	the	the	DET
ijosar-1126	65	5	concepts	concept	NOUN
ijosar-1126	65	6	,	,	PUNCT
ijosar-1126	65	7	ideas	idea	NOUN
ijosar-1126	65	8	,	,	PUNCT
ijosar-1126	65	9	theories	theory	NOUN
ijosar-1126	65	10	and	and	CCONJ
ijosar-1126	65	11	findings	finding	NOUN
ijosar-1126	65	12	of	of	ADP
ijosar-1126	65	13	prior	prior	ADJ
ijosar-1126	65	14	authors	author	NOUN
ijosar-1126	65	15	are	be	AUX
ijosar-1126	65	16	discussed	discuss	VERB
ijosar-1126	65	17	hereunder	hereunder	NOUN
ijosar-1126	65	18	.	.	PUNCT
ijosar-1126	66	1	ijo	ijo	PROPN
ijosar-1126	66	2	journals	journal	NOUN
ijosar-1126	66	3	volume	volume	NOUN
ijosar-1126	66	4	08	08	NUM
ijosar-1126	67	1	|	|	ADV
ijosar-1126	67	2	issue	issue	NOUN
ijosar-1126	67	3	08	08	NUM
ijosar-1126	68	1	|	|	ADV
ijosar-1126	68	2	august	august	PROPN
ijosar-1126	68	3	2025	2025	NUM
ijosar-1126	69	1	|	|	ADV
ijosar-1126	69	2	https://ijojournals.com/index.php/ssh/index	https://ijojournals.com/index.php/ssh/index	PROPN
ijosar-1126	69	3	86	86	NUM
ijosar-1126	69	4	ijointernational	ijointernational	ADJ
ijosar-1126	69	5	journal	journal	NOUN
ijosar-1126	69	6	of	of	ADP
ijosar-1126	69	7	social	social	ADJ
ijosar-1126	69	8	science	science	NOUN
ijosar-1126	69	9	and	and	CCONJ
ijosar-1126	69	10	humanities	humanity	NOUN
ijosar-1126	69	11	research	research	NOUN
ijosar-1126	69	12	(	(	PUNCT
ijosar-1126	69	13	issn	issn	PROPN
ijosar-1126	69	14	2811	2811	NUM
ijosar-1126	69	15	-	-	SYM
ijosar-1126	69	16	2466	2466	NUM
ijosar-1126	69	17	)	)	PUNCT
ijosar-1126	69	18	obiora	obiora	PROPN
ijosar-1126	69	19	peters	peters	PROPN
ijosar-1126	69	20	,	,	PUNCT
ijosar-1126	69	21	emeka	emeka	VERB
ijosar-1126	69	22	phd1	phd1	PROPN
ijosar-1126	69	23	*	*	PUNCT
ijosar-1126	69	24	https://ijojournals.com/	https://ijojournals.com/	PROPN
ijosar-1126	69	25	volume	volume	NOUN
ijosar-1126	69	26	08	08	NUM
ijosar-1126	70	1	||	||	PROPN
ijosar-1126	70	2	issue	issue	NOUN
ijosar-1126	70	3	08	08	NUM
ijosar-1126	70	4	||	||	NOUN
ijosar-1126	70	5	august	august	PROPN
ijosar-1126	70	6	,	,	PUNCT
ijosar-1126	70	7	2025	2025	NUM
ijosar-1126	70	8	||	||	PUNCT
ijosar-1126	71	1	“	"	PUNCT
ijosar-1126	71	2	the	the	DET
ijosar-1126	71	3	impact	impact	NOUN
ijosar-1126	71	4	of	of	ADP
ijosar-1126	71	5	financial	financial	ADJ
ijosar-1126	71	6	technology	technology	NOUN
ijosar-1126	71	7	on	on	ADP
ijosar-1126	71	8	the	the	DET
ijosar-1126	71	9	growth	growth	NOUN
ijosar-1126	71	10	of	of	ADP
ijosar-1126	71	11	smes	sme	NOUN
ijosar-1126	71	12	in	in	ADP
ijosar-1126	71	13	rwanda	rwanda	PROPN
ijosar-1126	71	14	(	(	PUNCT
ijosar-1126	71	15	2020	2020	NUM
ijosar-1126	71	16	-	-	SYM
ijosar-1126	71	17	2024	2024	NUM
ijosar-1126	71	18	)	)	PUNCT
ijosar-1126	71	19	"	"	PUNCT
ijosar-1126	71	20	2.1	2.1	NUM
ijosar-1126	71	21	conceptual	conceptual	ADJ
ijosar-1126	71	22	review	review	NOUN
ijosar-1126	71	23	2.1.1	2.1.1	NUM
ijosar-1126	71	24	digital	digital	ADJ
ijosar-1126	71	25	lending	lending	NOUN
ijosar-1126	71	26	access	access	NOUN
ijosar-1126	71	27	digital	digital	ADJ
ijosar-1126	71	28	lending	lending	NOUN
ijosar-1126	71	29	access	access	NOUN
ijosar-1126	71	30	means	mean	VERB
ijosar-1126	71	31	allowing	allow	VERB
ijosar-1126	71	32	credit	credit	NOUN
ijosar-1126	71	33	on	on	ADP
ijosar-1126	71	34	digital	digital	ADJ
ijosar-1126	71	35	channels	channel	NOUN
ijosar-1126	71	36	digital	digital	ADJ
ijosar-1126	71	37	devices	device	NOUN
ijosar-1126	71	38	or	or	CCONJ
ijosar-1126	71	39	digital	digital	ADJ
ijosar-1126	71	40	tools	tool	NOUN
ijosar-1126	71	41	that	that	PRON
ijosar-1126	71	42	can	can	AUX
ijosar-1126	71	43	be	be	AUX
ijosar-1126	71	44	accessed	access	VERB
ijosar-1126	71	45	via	via	ADP
ijosar-1126	71	46	mobile	mobile	ADJ
ijosar-1126	71	47	apps	app	NOUN
ijosar-1126	71	48	,	,	PUNCT
ijosar-1126	71	49	ussd	ussd	NOUN
ijosar-1126	71	50	,	,	PUNCT
ijosar-1126	71	51	and	and	CCONJ
ijosar-1126	71	52	online	online	ADJ
ijosar-1126	71	53	gateways	gateway	NOUN
ijosar-1126	71	54	without	without	ADP
ijosar-1126	71	55	physical	physical	ADJ
ijosar-1126	71	56	contact	contact	NOUN
ijosar-1126	71	57	with	with	ADP
ijosar-1126	71	58	a	a	DET
ijosar-1126	71	59	bank	bank	NOUN
ijosar-1126	71	60	.	.	PUNCT
ijosar-1126	72	1	to	to	ADP
ijosar-1126	72	2	smes	sme	NOUN
ijosar-1126	72	3	,	,	PUNCT
ijosar-1126	72	4	especially	especially	ADV
ijosar-1126	72	5	in	in	ADP
ijosar-1126	72	6	rwanda	rwanda	PROPN
ijosar-1126	72	7	,	,	PUNCT
ijosar-1126	72	8	it	it	PRON
ijosar-1126	72	9	provides	provide	VERB
ijosar-1126	72	10	quicker	quick	ADJ
ijosar-1126	72	11	and	and	CCONJ
ijosar-1126	72	12	nimble	nimble	ADJ
ijosar-1126	72	13	source	source	NOUN
ijosar-1126	72	14	of	of	ADP
ijosar-1126	72	15	financing	financing	NOUN
ijosar-1126	72	16	,	,	PUNCT
ijosar-1126	72	17	which	which	PRON
ijosar-1126	72	18	utilizes	utilize	VERB
ijosar-1126	72	19	alternative	alternative	ADJ
ijosar-1126	72	20	data	datum	NOUN
ijosar-1126	72	21	to	to	PART
ijosar-1126	72	22	create	create	VERB
ijosar-1126	72	23	a	a	DET
ijosar-1126	72	24	credit	credit	NOUN
ijosar-1126	72	25	score	score	NOUN
ijosar-1126	72	26	.	.	PUNCT
ijosar-1126	73	1	researchers	researcher	NOUN
ijosar-1126	73	2	such	such	ADJ
ijosar-1126	73	3	as	as	ADP
ijosar-1126	73	4	zhao	zhao	PROPN
ijosar-1126	73	5	et	et	PROPN
ijosar-1126	73	6	al	al	PROPN
ijosar-1126	73	7	.	.	PROPN
ijosar-1126	73	8	(	(	PUNCT
ijosar-1126	73	9	2020	2020	NUM
ijosar-1126	73	10	)	)	PUNCT
ijosar-1126	73	11	and	and	CCONJ
ijosar-1126	73	12	muthiora	muthiora	NOUN
ijosar-1126	73	13	(	(	PUNCT
ijosar-1126	73	14	2019	2019	NUM
ijosar-1126	73	15	)	)	PUNCT
ijosar-1126	73	16	confirm	confirm	VERB
ijosar-1126	73	17	that	that	SCONJ
ijosar-1126	73	18	it	it	PRON
ijosar-1126	73	19	facilitates	facilitate	VERB
ijosar-1126	73	20	increased	increase	VERB
ijosar-1126	73	21	growth	growth	NOUN
ijosar-1126	73	22	of	of	ADP
ijosar-1126	73	23	smes	sme	NOUN
ijosar-1126	73	24	by	by	ADP
ijosar-1126	73	25	enhancing	enhance	VERB
ijosar-1126	73	26	access	access	NOUN
ijosar-1126	73	27	to	to	ADP
ijosar-1126	73	28	working	working	NOUN
ijosar-1126	73	29	capital	capital	NOUN
ijosar-1126	73	30	.	.	PUNCT
ijosar-1126	74	1	nevertheless	nevertheless	ADV
ijosar-1126	74	2	,	,	PUNCT
ijosar-1126	74	3	the	the	DET
ijosar-1126	74	4	obstacle	obstacle	NOUN
ijosar-1126	74	5	such	such	ADJ
ijosar-1126	74	6	as	as	ADP
ijosar-1126	74	7	the	the	DET
ijosar-1126	74	8	interest	interest	NOUN
ijosar-1126	74	9	rates	rate	NOUN
ijosar-1126	74	10	and	and	CCONJ
ijosar-1126	74	11	the	the	DET
ijosar-1126	74	12	lack	lack	NOUN
ijosar-1126	74	13	of	of	ADP
ijosar-1126	74	14	financial	financial	ADJ
ijosar-1126	74	15	literacy	literacy	NOUN
ijosar-1126	74	16	remains	remain	VERB
ijosar-1126	74	17	.	.	PUNCT
ijosar-1126	75	1	as	as	SCONJ
ijosar-1126	75	2	claimed	claim	VERB
ijosar-1126	75	3	by	by	ADP
ijosar-1126	75	4	the	the	DET
ijosar-1126	75	5	world	world	PROPN
ijosar-1126	75	6	bank	bank	PROPN
ijosar-1126	75	7	(	(	PUNCT
ijosar-1126	75	8	2022	2022	NUM
ijosar-1126	75	9	)	)	PUNCT
ijosar-1126	75	10	and	and	CCONJ
ijosar-1126	75	11	stewart	stewart	PROPN
ijosar-1126	75	12	et	et	PROPN
ijosar-1126	75	13	al	al	PROPN
ijosar-1126	75	14	.	.	PROPN
ijosar-1126	76	1	(	(	PUNCT
ijosar-1126	76	2	2018	2018	NUM
ijosar-1126	76	3	)	)	PUNCT
ijosar-1126	76	4	,	,	PUNCT
ijosar-1126	76	5	the	the	DET
ijosar-1126	76	6	cost	cost	NOUN
ijosar-1126	76	7	reduction	reduction	NOUN
ijosar-1126	76	8	,	,	PUNCT
ijosar-1126	76	9	increased	increase	VERB
ijosar-1126	76	10	access	access	NOUN
ijosar-1126	76	11	by	by	ADP
ijosar-1126	76	12	using	use	VERB
ijosar-1126	76	13	big	big	ADJ
ijosar-1126	76	14	-	-	PUNCT
ijosar-1126	76	15	data	data	NOUN
ijosar-1126	76	16	analytics	analytic	NOUN
ijosar-1126	76	17	,	,	PUNCT
ijosar-1126	76	18	and	and	CCONJ
ijosar-1126	76	19	unrestricted	unrestricted	ADJ
ijosar-1126	76	20	financial	financial	ADJ
ijosar-1126	76	21	services	service	NOUN
ijosar-1126	76	22	innovation	innovation	NOUN
ijosar-1126	76	23	make	make	VERB
ijosar-1126	76	24	digital	digital	ADJ
ijosar-1126	76	25	lending	lending	NOUN
ijosar-1126	76	26	a	a	DET
ijosar-1126	76	27	breakthrough	breakthrough	NOUN
ijosar-1126	76	28	instrument	instrument	NOUN
ijosar-1126	76	29	in	in	ADP
ijosar-1126	76	30	financial	financial	ADJ
ijosar-1126	76	31	service	service	NOUN
ijosar-1126	76	32	providers	provider	NOUN
ijosar-1126	76	33	and	and	CCONJ
ijosar-1126	76	34	sme	sme	PROPN
ijosar-1126	76	35	development	development	PROPN
ijosar-1126	76	36	2.1.2	2.1.2	PROPN
ijosar-1126	76	37	.	.	PUNCT
ijosar-1126	76	38	mobile	mobile	ADJ
ijosar-1126	76	39	money	money	NOUN
ijosar-1126	76	40	financial	financial	ADJ
ijosar-1126	76	41	services	service	NOUN
ijosar-1126	76	42	deployable	deployable	ADJ
ijosar-1126	76	43	using	use	VERB
ijosar-1126	76	44	mobile	mobile	ADJ
ijosar-1126	76	45	money	money	NOUN
ijosar-1126	76	46	,	,	PUNCT
ijosar-1126	76	47	have	have	AUX
ijosar-1126	76	48	spurred	spur	VERB
ijosar-1126	76	49	the	the	DET
ijosar-1126	76	50	growth	growth	NOUN
ijosar-1126	76	51	of	of	ADP
ijosar-1126	76	52	smes	sme	NOUN
ijosar-1126	76	53	to	to	ADP
ijosar-1126	76	54	a	a	DET
ijosar-1126	76	55	great	great	ADJ
ijosar-1126	76	56	degree	degree	NOUN
ijosar-1126	76	57	through	through	ADP
ijosar-1126	76	58	its	its	PRON
ijosar-1126	76	59	increasing	increase	VERB
ijosar-1126	76	60	financial	financial	ADJ
ijosar-1126	76	61	inclusion	inclusion	NOUN
ijosar-1126	76	62	as	as	ADV
ijosar-1126	76	63	well	well	ADV
ijosar-1126	76	64	as	as	ADP
ijosar-1126	76	65	the	the	DET
ijosar-1126	76	66	efficiency	efficiency	NOUN
ijosar-1126	76	67	of	of	ADP
ijosar-1126	76	68	operations	operation	NOUN
ijosar-1126	76	69	(	(	PUNCT
ijosar-1126	76	70	jack	jack	PROPN
ijosar-1126	76	71	&	&	CCONJ
ijosar-1126	76	72	suri	suri	PROPN
ijosar-1126	76	73	,	,	PUNCT
ijosar-1126	76	74	2024	2024	NUM
ijosar-1126	76	75	;	;	PUNCT
ijosar-1126	76	76	demirguc	demirguc	PROPN
ijosar-1126	76	77	-	-	PUNCT
ijosar-1126	76	78	kunt	kunt	PROPN
ijosar-1126	76	79	et	et	PROPN
ijosar-1126	76	80	al	al	PROPN
ijosar-1126	76	81	.	.	PROPN
ijosar-1126	76	82	,	,	PUNCT
ijosar-1126	76	83	2023	2023	NUM
ijosar-1126	76	84	;	;	PUNCT
ijosar-1126	76	85	venkatesh	venkatesh	PROPN
ijosar-1126	76	86	&	&	CCONJ
ijosar-1126	76	87	davis	davis	PROPN
ijosar-1126	76	88	,	,	PUNCT
ijosar-1126	76	89	2021	2021	NUM
ijosar-1126	76	90	)	)	PUNCT
ijosar-1126	76	91	.	.	PUNCT
ijosar-1126	77	1	experience	experience	NOUN
ijosar-1126	77	2	supports	support	VERB
ijosar-1126	77	3	mobility	mobility	NOUN
ijosar-1126	77	4	money	money	NOUN
ijosar-1126	77	5	as	as	ADP
ijosar-1126	77	6	sources	source	NOUN
ijosar-1126	77	7	of	of	ADP
ijosar-1126	77	8	better	well	ADJ
ijosar-1126	77	9	revenues	revenue	NOUN
ijosar-1126	77	10	and	and	CCONJ
ijosar-1126	77	11	credit	credit	NOUN
ijosar-1126	77	12	availability	availability	NOUN
ijosar-1126	77	13	(	(	PUNCT
ijosar-1126	77	14	abor	abor	NOUN
ijosar-1126	77	15	&	&	CCONJ
ijosar-1126	77	16	quartey	quartey	PROPN
ijosar-1126	77	17	,	,	PUNCT
ijosar-1126	77	18	2023	2023	NUM
ijosar-1126	77	19	;	;	PUNCT
ijosar-1126	77	20	ndungu	ndungu	NOUN
ijosar-1126	77	21	&	&	CCONJ
ijosar-1126	77	22	waema	waema	NOUN
ijosar-1126	77	23	,	,	PUNCT
ijosar-1126	77	24	2024	2024	NUM
ijosar-1126	77	25	)	)	PUNCT
ijosar-1126	77	26	.	.	PUNCT
ijosar-1126	78	1	nevertheless	nevertheless	ADV
ijosar-1126	78	2	,	,	PUNCT
ijosar-1126	78	3	the	the	DET
ijosar-1126	78	4	limitations	limitation	NOUN
ijosar-1126	78	5	restrict	restrict	VERB
ijosar-1126	78	6	the	the	DET
ijosar-1126	78	7	full	full	ADJ
ijosar-1126	78	8	delivery	delivery	NOUN
ijosar-1126	78	9	such	such	ADJ
ijosar-1126	78	10	as	as	ADP
ijosar-1126	78	11	illiteracy	illiteracy	NOUN
ijosar-1126	78	12	in	in	ADP
ijosar-1126	78	13	digital	digital	ADJ
ijosar-1126	78	14	environments	environment	NOUN
ijosar-1126	78	15	,	,	PUNCT
ijosar-1126	78	16	security	security	NOUN
ijosar-1126	78	17	risks	risk	NOUN
ijosar-1126	78	18	,	,	PUNCT
ijosar-1126	78	19	excessive	excessive	ADJ
ijosar-1126	78	20	costs	cost	NOUN
ijosar-1126	78	21	of	of	ADP
ijosar-1126	78	22	transaction	transaction	NOUN
ijosar-1126	78	23	,	,	PUNCT
ijosar-1126	78	24	and	and	CCONJ
ijosar-1126	78	25	weak	weak	ADJ
ijosar-1126	78	26	platform	platform	NOUN
ijosar-1126	78	27	capabilities(chisholm	capabilities(chisholm	PROPN
ijosar-1126	78	28	2005	2005	NUM
ijosar-1126	78	29	)	)	PUNCT
ijosar-1126	78	30	.	.	PUNCT
ijosar-1126	79	1	2.1.3	2.1.3	NUM
ijosar-1126	79	2	digital	digital	ADJ
ijosar-1126	79	3	wallets	wallet	NOUN
ijosar-1126	79	4	in	in	ADP
ijosar-1126	79	5	rwanda	rwanda	PROPN
ijosar-1126	79	6	,	,	PUNCT
ijosar-1126	79	7	online	online	ADJ
ijosar-1126	79	8	lending	lending	NOUN
ijosar-1126	79	9	platforms	platform	NOUN
ijosar-1126	79	10	are	be	AUX
ijosar-1126	79	11	available	available	ADJ
ijosar-1126	79	12	that	that	PRON
ijosar-1126	79	13	provide	provide	VERB
ijosar-1126	79	14	short	short	ADJ
ijosar-1126	79	15	-	-	PUNCT
ijosar-1126	79	16	term	term	NOUN
ijosar-1126	79	17	noncollateral	noncollateral	ADJ
ijosar-1126	79	18	loans	loan	NOUN
ijosar-1126	79	19	online	online	ADV
ijosar-1126	79	20	/	/	SYM
ijosar-1126	79	21	over	over	ADP
ijosar-1126	79	22	mobile	mobile	ADJ
ijosar-1126	79	23	phones	phone	NOUN
ijosar-1126	79	24	that	that	PRON
ijosar-1126	79	25	can	can	AUX
ijosar-1126	79	26	help	help	VERB
ijosar-1126	79	27	sme	sme	NOUN
ijosar-1126	79	28	access	access	NOUN
ijosar-1126	79	29	finance	finance	NOUN
ijosar-1126	79	30	(	(	PUNCT
ijosar-1126	79	31	gsma	gsma	NOUN
ijosar-1126	79	32	,	,	PUNCT
ijosar-1126	79	33	2023	2023	NUM
ijosar-1126	79	34	;	;	PUNCT
ijosar-1126	79	35	animhiaga	animhiaga	NOUN
ijosar-1126	79	36	,	,	PUNCT
ijosar-1126	79	37	2025	2025	NUM
ijosar-1126	79	38	;	;	PUNCT
ijosar-1126	79	39	xelius	xelius	NOUN
ijosar-1126	79	40	,	,	PUNCT
ijosar-1126	79	41	2025	2025	NUM
ijosar-1126	79	42	)	)	PUNCT
ijosar-1126	79	43	.	.	PUNCT
ijosar-1126	80	1	although	although	SCONJ
ijosar-1126	80	2	there	there	PRON
ijosar-1126	80	3	are	be	VERB
ijosar-1126	80	4	advantages	advantage	NOUN
ijosar-1126	80	5	,	,	PUNCT
ijosar-1126	80	6	the	the	DET
ijosar-1126	80	7	problems	problem	NOUN
ijosar-1126	80	8	identified	identify	VERB
ijosar-1126	80	9	include	include	VERB
ijosar-1126	80	10	being	be	AUX
ijosar-1126	80	11	over	over	ADV
ijosar-1126	80	12	-	-	PUNCT
ijosar-1126	80	13	indebted	indebted	ADJ
ijosar-1126	80	14	(	(	PUNCT
ijosar-1126	80	15	rizzi	rizzi	PROPN
ijosar-1126	80	16	&	&	CCONJ
ijosar-1126	80	17	kumari	kumari	PROPN
ijosar-1126	80	18	,	,	PUNCT
ijosar-1126	80	19	2021	2021	NUM
ijosar-1126	80	20	)	)	PUNCT
ijosar-1126	80	21	,	,	PUNCT
ijosar-1126	80	22	high	high	ADJ
ijosar-1126	80	23	interests	interest	NOUN
ijosar-1126	80	24	(	(	PUNCT
ijosar-1126	80	25	muthoni	muthoni	NOUN
ijosar-1126	80	26	,	,	PUNCT
ijosar-1126	80	27	2024	2024	NUM
ijosar-1126	80	28	)	)	PUNCT
ijosar-1126	80	29	,	,	PUNCT
ijosar-1126	80	30	and	and	CCONJ
ijosar-1126	80	31	digital	digital	PROPN
ijosar-1126	80	32	illiteracy	illiteracy	NOUN
ijosar-1126	80	33	(	(	PUNCT
ijosar-1126	80	34	animhiaga	animhiaga	NOUN
ijosar-1126	80	35	,	,	PUNCT
ijosar-1126	80	36	2025	2025	NUM
ijosar-1126	80	37	)	)	PUNCT
ijosar-1126	80	38	.	.	PUNCT
ijosar-1126	81	1	their	their	PRON
ijosar-1126	81	2	growth	growth	NOUN
ijosar-1126	81	3	potential	potential	NOUN
ijosar-1126	81	4	is	be	AUX
ijosar-1126	81	5	explained	explain	VERB
ijosar-1126	81	6	by	by	ADP
ijosar-1126	81	7	theoretical	theoretical	ADJ
ijosar-1126	81	8	models	model	NOUN
ijosar-1126	81	9	that	that	PRON
ijosar-1126	81	10	include	include	VERB
ijosar-1126	81	11	the	the	DET
ijosar-1126	81	12	works	work	NOUN
ijosar-1126	81	13	of	of	ADP
ijosar-1126	81	14	schumpeter	schumpeter	NOUN
ijosar-1126	81	15	(	(	PUNCT
ijosar-1126	81	16	1934	1934	NUM
ijosar-1126	81	17	)	)	PUNCT
ijosar-1126	81	18	and	and	CCONJ
ijosar-1126	81	19	the	the	DET
ijosar-1126	81	20	ones	one	NOUN
ijosar-1126	81	21	developed	develop	VERB
ijosar-1126	81	22	by	by	ADP
ijosar-1126	81	23	beck	beck	PROPN
ijosar-1126	81	24	et	et	PROPN
ijosar-1126	81	25	al	al	PROPN
ijosar-1126	81	26	.	.	PROPN
ijosar-1126	82	1	(	(	PUNCT
ijosar-1126	82	2	2023	2023	NUM
ijosar-1126	82	3	)	)	PUNCT
ijosar-1126	82	4	or	or	CCONJ
ijosar-1126	82	5	venkatesh	venkatesh	NOUN
ijosar-1126	82	6	and	and	CCONJ
ijosar-1126	82	7	davis	davis	PROPN
ijosar-1126	82	8	(	(	PUNCT
ijosar-1126	82	9	2021	2021	NUM
ijosar-1126	82	10	)	)	PUNCT
ijosar-1126	82	11	.	.	PUNCT
ijosar-1126	83	1	it	it	PRON
ijosar-1126	83	2	is	be	AUX
ijosar-1126	83	3	believed	believe	VERB
ijosar-1126	83	4	to	to	PART
ijosar-1126	83	5	improve	improve	VERB
ijosar-1126	83	6	funding	funding	NOUN
ijosar-1126	83	7	of	of	ADP
ijosar-1126	83	8	smes	sme	NOUN
ijosar-1126	83	9	in	in	ADP
ijosar-1126	83	10	rwanda(njenga	rwanda(njenga	PROPN
ijosar-1126	83	11	&	&	CCONJ
ijosar-1126	83	12	kamau	kamau	PROPN
ijosar-1126	83	13	,	,	PUNCT
ijosar-1126	83	14	2023	2023	NUM
ijosar-1126	83	15	;	;	PUNCT
ijosar-1126	83	16	kyaruzi	kyaruzi	PROPN
ijosar-1126	83	17	et	et	PROPN
ijosar-1126	83	18	al	al	PROPN
ijosar-1126	83	19	.	.	PROPN
ijosar-1126	83	20	,	,	PUNCT
ijosar-1126	83	21	2024	2024	NUM
ijosar-1126	83	22	)	)	PUNCT
ijosar-1126	83	23	.	.	PUNCT
ijosar-1126	84	1	ijo	ijo	PROPN
ijosar-1126	84	2	journals	journal	NOUN
ijosar-1126	84	3	volume	volume	NOUN
ijosar-1126	84	4	08	08	NUM
ijosar-1126	85	1	|	|	ADV
ijosar-1126	85	2	issue	issue	NOUN
ijosar-1126	85	3	08	08	NUM
ijosar-1126	86	1	|	|	ADV
ijosar-1126	86	2	august	august	PROPN
ijosar-1126	86	3	2025	2025	NUM
ijosar-1126	86	4	|	|	ADV
ijosar-1126	86	5	https://ijojournals.com/index.php/ssh/index	https://ijojournals.com/index.php/ssh/index	NOUN
ijosar-1126	86	6	87	87	NUM
ijosar-1126	86	7	ijointernational	ijointernational	ADJ
ijosar-1126	86	8	journal	journal	NOUN
ijosar-1126	86	9	of	of	ADP
ijosar-1126	86	10	social	social	ADJ
ijosar-1126	86	11	science	science	NOUN
ijosar-1126	86	12	and	and	CCONJ
ijosar-1126	86	13	humanities	humanity	NOUN
ijosar-1126	86	14	research	research	NOUN
ijosar-1126	86	15	(	(	PUNCT
ijosar-1126	86	16	issn	issn	PROPN
ijosar-1126	86	17	2811	2811	NUM
ijosar-1126	86	18	-	-	SYM
ijosar-1126	86	19	2466	2466	NUM
ijosar-1126	86	20	)	)	PUNCT
ijosar-1126	86	21	obiora	obiora	PROPN
ijosar-1126	86	22	peters	peters	PROPN
ijosar-1126	86	23	,	,	PUNCT
ijosar-1126	86	24	emeka	emeka	VERB
ijosar-1126	86	25	phd1	phd1	PROPN
ijosar-1126	86	26	*	*	PUNCT
ijosar-1126	86	27	https://ijojournals.com/	https://ijojournals.com/	PROPN
ijosar-1126	86	28	volume	volume	NOUN
ijosar-1126	86	29	08	08	NUM
ijosar-1126	87	1	||	||	PROPN
ijosar-1126	87	2	issue	issue	NOUN
ijosar-1126	87	3	08	08	NUM
ijosar-1126	87	4	||	||	NOUN
ijosar-1126	87	5	august	august	PROPN
ijosar-1126	87	6	,	,	PUNCT
ijosar-1126	87	7	2025	2025	NUM
ijosar-1126	87	8	||	||	PUNCT
ijosar-1126	88	1	“	"	PUNCT
ijosar-1126	88	2	the	the	DET
ijosar-1126	88	3	impact	impact	NOUN
ijosar-1126	88	4	of	of	ADP
ijosar-1126	88	5	financial	financial	ADJ
ijosar-1126	88	6	technology	technology	NOUN
ijosar-1126	88	7	on	on	ADP
ijosar-1126	88	8	the	the	DET
ijosar-1126	88	9	growth	growth	NOUN
ijosar-1126	88	10	of	of	ADP
ijosar-1126	88	11	smes	sme	NOUN
ijosar-1126	88	12	in	in	ADP
ijosar-1126	88	13	rwanda	rwanda	PROPN
ijosar-1126	88	14	(	(	PUNCT
ijosar-1126	88	15	2020	2020	NUM
ijosar-1126	88	16	-	-	SYM
ijosar-1126	88	17	2024	2024	NUM
ijosar-1126	88	18	)	)	PUNCT
ijosar-1126	88	19	"	"	PUNCT
ijosar-1126	88	20	2.1.5	2.1.5	NUM
ijosar-1126	88	21	smes	sme	NOUN
ijosar-1126	88	22	growth	growth	NOUN
ijosar-1126	88	23	msmes	msme	NOUN
ijosar-1126	88	24	make	make	VERB
ijosar-1126	88	25	98	98	NUM
ijosar-1126	88	26	percent	percent	NOUN
ijosar-1126	88	27	of	of	ADP
ijosar-1126	88	28	the	the	DET
ijosar-1126	88	29	businesses	business	NOUN
ijosar-1126	88	30	in	in	ADP
ijosar-1126	88	31	rwanda	rwanda	PROPN
ijosar-1126	88	32	,	,	PUNCT
ijosar-1126	88	33	have	have	VERB
ijosar-1126	88	34	a	a	DET
ijosar-1126	88	35	33	33	NUM
ijosar-1126	88	36	percent	percent	NOUN
ijosar-1126	88	37	contribution	contribution	NOUN
ijosar-1126	88	38	to	to	ADP
ijosar-1126	88	39	gdp	gdp	NOUN
ijosar-1126	88	40	,	,	PUNCT
ijosar-1126	88	41	as	as	ADV
ijosar-1126	88	42	well	well	ADV
ijosar-1126	88	43	as	as	ADP
ijosar-1126	88	44	employ	employ	NOUN
ijosar-1126	88	45	above	above	ADP
ijosar-1126	88	46	2.5	2.5	NUM
ijosar-1126	88	47	million	million	NUM
ijosar-1126	88	48	individuals	individual	NOUN
ijosar-1126	88	49	(	(	PUNCT
ijosar-1126	88	50	ministry	ministry	NOUN
ijosar-1126	88	51	of	of	ADP
ijosar-1126	88	52	trade	trade	NOUN
ijosar-1126	88	53	and	and	CCONJ
ijosar-1126	88	54	industry	industry	NOUN
ijosar-1126	88	55	,	,	PUNCT
ijosar-1126	88	56	2025	2025	NUM
ijosar-1126	88	57	;	;	PUNCT
ijosar-1126	88	58	utembinema	utembinema	PROPN
ijosar-1126	88	59	et	et	PROPN
ijosar-1126	88	60	al	al	PROPN
ijosar-1126	88	61	.	.	PROPN
ijosar-1126	88	62	,	,	PUNCT
ijosar-1126	88	63	2023	2023	NUM
ijosar-1126	88	64	)	)	PUNCT
ijosar-1126	88	65	.	.	PUNCT
ijosar-1126	89	1	the	the	DET
ijosar-1126	89	2	terms	term	NOUN
ijosar-1126	89	3	are	be	AUX
ijosar-1126	89	4	different	different	ADJ
ijosar-1126	89	5	in	in	ADP
ijosar-1126	89	6	different	different	ADJ
ijosar-1126	89	7	places	place	NOUN
ijosar-1126	89	8	around	around	ADP
ijosar-1126	89	9	the	the	DET
ijosar-1126	89	10	world	world	NOUN
ijosar-1126	89	11	and	and	CCONJ
ijosar-1126	89	12	the	the	DET
ijosar-1126	89	13	classification	classification	NOUN
ijosar-1126	89	14	of	of	ADP
ijosar-1126	89	15	sme	sme	PROPN
ijosar-1126	89	16	in	in	ADP
ijosar-1126	89	17	rwanda	rwanda	PROPN
ijosar-1126	89	18	depends	depend	VERB
ijosar-1126	89	19	on	on	ADP
ijosar-1126	89	20	capital	capital	NOUN
ijosar-1126	89	21	,	,	PUNCT
ijosar-1126	89	22	turnover	turnover	NOUN
ijosar-1126	89	23	and	and	CCONJ
ijosar-1126	89	24	numbers	number	NOUN
ijosar-1126	89	25	of	of	ADP
ijosar-1126	89	26	employee	employee	NOUN
ijosar-1126	89	27	(	(	PUNCT
ijosar-1126	89	28	minecofin	minecofin	PROPN
ijosar-1126	89	29	,	,	PUNCT
ijosar-1126	89	30	2012	2012	NUM
ijosar-1126	89	31	;	;	PUNCT
ijosar-1126	90	1	kushnir	kushnir	NOUN
ijosar-1126	90	2	,	,	PUNCT
ijosar-1126	90	3	2010	2010	NUM
ijosar-1126	90	4	;	;	PUNCT
ijosar-1126	90	5	ifc	ifc	NOUN
ijosar-1126	90	6	,	,	PUNCT
ijosar-1126	90	7	2013	2013	NUM
ijosar-1126	90	8	)	)	PUNCT
ijosar-1126	90	9	.	.	PUNCT
ijosar-1126	91	1	nevertheless	nevertheless	ADV
ijosar-1126	91	2	,	,	PUNCT
ijosar-1126	91	3	despite	despite	SCONJ
ijosar-1126	91	4	the	the	DET
ijosar-1126	91	5	magnitude	magnitude	NOUN
ijosar-1126	91	6	of	of	ADP
ijosar-1126	91	7	this	this	DET
ijosar-1126	91	8	economic	economic	ADJ
ijosar-1126	91	9	relevance	relevance	NOUN
ijosar-1126	91	10	,	,	PUNCT
ijosar-1126	91	11	issues	issue	NOUN
ijosar-1126	91	12	such	such	ADJ
ijosar-1126	91	13	as	as	ADP
ijosar-1126	91	14	poor	poor	ADJ
ijosar-1126	91	15	access	access	NOUN
ijosar-1126	91	16	to	to	ADP
ijosar-1126	91	17	credit	credit	NOUN
ijosar-1126	91	18	,	,	PUNCT
ijosar-1126	91	19	informality	informality	NOUN
ijosar-1126	91	20	,	,	PUNCT
ijosar-1126	91	21	and	and	CCONJ
ijosar-1126	91	22	market	market	NOUN
ijosar-1126	91	23	fragmentation	fragmentation	NOUN
ijosar-1126	91	24	still	still	ADV
ijosar-1126	91	25	exist	exist	VERB
ijosar-1126	91	26	(	(	PUNCT
ijosar-1126	91	27	ministry	ministry	NOUN
ijosar-1126	91	28	of	of	ADP
ijosar-1126	91	29	trade	trade	NOUN
ijosar-1126	91	30	and	and	CCONJ
ijosar-1126	91	31	industry	industry	NOUN
ijosar-1126	91	32	,	,	PUNCT
ijosar-1126	91	33	2025	2025	NUM
ijosar-1126	91	34	)	)	PUNCT
ijosar-1126	91	35	.	.	PUNCT
ijosar-1126	92	1	more	more	ADJ
ijosar-1126	92	2	than	than	ADP
ijosar-1126	92	3	70	70	NUM
ijosar-1126	92	4	of	of	ADP
ijosar-1126	92	5	them	they	PRON
ijosar-1126	92	6	are	be	AUX
ijosar-1126	92	7	informal	informal	ADJ
ijosar-1126	92	8	,	,	PUNCT
ijosar-1126	92	9	preventing	prevent	VERB
ijosar-1126	92	10	investment	investment	NOUN
ijosar-1126	92	11	(	(	PUNCT
ijosar-1126	92	12	utembinema	utembinema	X
ijosar-1126	92	13	et	et	PROPN
ijosar-1126	92	14	al	al	PROPN
ijosar-1126	92	15	.	.	PROPN
ijosar-1126	92	16	,	,	PUNCT
ijosar-1126	92	17	2023	2023	NUM
ijosar-1126	92	18	)	)	PUNCT
ijosar-1126	92	19	.	.	PUNCT
ijosar-1126	93	1	the	the	DET
ijosar-1126	93	2	measures	measure	NOUN
ijosar-1126	93	3	by	by	ADP
ijosar-1126	93	4	the	the	DET
ijosar-1126	93	5	government	government	NOUN
ijosar-1126	93	6	involve	involve	VERB
ijosar-1126	93	7	afcfta	afcfta	PROPN
ijosar-1126	93	8	promotion	promotion	PROPN
ijosar-1126	93	9	,	,	PUNCT
ijosar-1126	93	10	financial	financial	ADJ
ijosar-1126	93	11	literacy	literacy	NOUN
ijosar-1126	93	12	,	,	PUNCT
ijosar-1126	93	13	and	and	CCONJ
ijosar-1126	93	14	post	post	ADJ
ijosar-1126	93	15	-	-	ADJ
ijosar-1126	93	16	covid	covid	ADJ
ijosar-1126	93	17	recovery	recovery	NOUN
ijosar-1126	93	18	plans	plan	NOUN
ijosar-1126	93	19	(	(	PUNCT
ijosar-1126	93	20	rwigema	rwigema	NOUN
ijosar-1126	93	21	,	,	PUNCT
ijosar-1126	93	22	2020	2020	NUM
ijosar-1126	93	23	;	;	PUNCT
ijosar-1126	93	24	nbr	nbr	ADJ
ijosar-1126	93	25	,	,	PUNCT
ijosar-1126	93	26	2023	2023	NUM
ijosar-1126	93	27	)	)	PUNCT
ijosar-1126	93	28	.	.	PUNCT
ijosar-1126	94	1	it	it	PRON
ijosar-1126	94	2	is	be	AUX
ijosar-1126	94	3	assessed	assess	VERB
ijosar-1126	94	4	in	in	ADP
ijosar-1126	94	5	this	this	DET
ijosar-1126	94	6	study	study	NOUN
ijosar-1126	94	7	as	as	ADP
ijosar-1126	94	8	market	market	NOUN
ijosar-1126	94	9	expansion	expansion	NOUN
ijosar-1126	94	10	,	,	PUNCT
ijosar-1126	94	11	survival	survival	NOUN
ijosar-1126	94	12	and	and	CCONJ
ijosar-1126	94	13	longivity	longivity	NOUN
ijosar-1126	94	14	and	and	CCONJ
ijosar-1126	94	15	employment	employment	NOUN
ijosar-1126	94	16	generation	generation	NOUN
ijosar-1126	94	17	.	.	PUNCT
ijosar-1126	95	1	2.2	2.2	NUM
ijosar-1126	95	2	theoretical	theoretical	ADJ
ijosar-1126	95	3	review	review	NOUN
ijosar-1126	95	4	the	the	DET
ijosar-1126	95	5	theoretical	theoretical	ADJ
ijosar-1126	95	6	anchorage	anchorage	PROPN
ijosar-1126	95	7	ofthis	ofthis	ADJ
ijosar-1126	95	8	study	study	NOUN
ijosar-1126	95	9	is	be	AUX
ijosar-1126	95	10	on	on	ADP
ijosar-1126	95	11	financial	financial	ADJ
ijosar-1126	95	12	inclusion	inclusion	NOUN
ijosar-1126	95	13	theory	theory	NOUN
ijosar-1126	95	14	,	,	PUNCT
ijosar-1126	95	15	technology	technology	NOUN
ijosar-1126	95	16	acceptance	acceptance	NOUN
ijosar-1126	95	17	model	model	NOUN
ijosar-1126	95	18	(	(	PUNCT
ijosar-1126	95	19	tam	tam	NOUN
ijosar-1126	95	20	)	)	PUNCT
ijosar-1126	95	21	and	and	CCONJ
ijosar-1126	95	22	resource	resource	NOUN
ijosar-1126	95	23	-	-	PUNCT
ijosar-1126	95	24	based	base	VERB
ijosar-1126	95	25	view	view	NOUN
ijosar-1126	95	26	(	(	PUNCT
ijosar-1126	95	27	rbv	rbv	NOUN
ijosar-1126	95	28	)	)	PUNCT
ijosar-1126	95	29	.	.	PUNCT
ijosar-1126	96	1	2.2.1	2.2.1	NUM
ijosar-1126	96	2	.	.	PUNCT
ijosar-1126	96	3	financial	financial	ADJ
ijosar-1126	96	4	inclusion	inclusion	NOUN
ijosar-1126	96	5	theory	theory	NOUN
ijosar-1126	96	6	the	the	DET
ijosar-1126	96	7	financial	financial	ADJ
ijosar-1126	96	8	inclusion	inclusion	NOUN
ijosar-1126	96	9	theory	theory	NOUN
ijosar-1126	96	10	was	be	AUX
ijosar-1126	96	11	broadly	broadly	ADV
ijosar-1126	96	12	developed	develop	VERB
ijosar-1126	96	13	by	by	ADP
ijosar-1126	96	14	the	the	DET
ijosar-1126	96	15	world	world	PROPN
ijosar-1126	96	16	bank	bank	PROPN
ijosar-1126	96	17	and	and	CCONJ
ijosar-1126	96	18	financial	financial	ADJ
ijosar-1126	96	19	economists	economist	NOUN
ijosar-1126	96	20	in	in	ADP
ijosar-1126	96	21	the	the	DET
ijosar-1126	96	22	early	early	ADJ
ijosar-1126	96	23	2000s	2000s	NUM
ijosar-1126	96	24	,	,	PUNCT
ijosar-1126	96	25	with	with	ADP
ijosar-1126	96	26	roots	root	NOUN
ijosar-1126	96	27	in	in	ADP
ijosar-1126	96	28	development	development	NOUN
ijosar-1126	96	29	economics	economic	NOUN
ijosar-1126	96	30	and	and	CCONJ
ijosar-1126	96	31	financial	financial	ADJ
ijosar-1126	96	32	intermediation	intermediation	NOUN
ijosar-1126	96	33	.	.	PUNCT
ijosar-1126	97	1	it	it	PRON
ijosar-1126	97	2	argues	argue	VERB
ijosar-1126	97	3	that	that	SCONJ
ijosar-1126	97	4	access	access	NOUN
ijosar-1126	97	5	to	to	ADP
ijosar-1126	97	6	financial	financial	ADJ
ijosar-1126	97	7	services	service	NOUN
ijosar-1126	97	8	spurs	spur	VERB
ijosar-1126	97	9	growth	growth	NOUN
ijosar-1126	97	10	and	and	CCONJ
ijosar-1126	97	11	reduces	reduce	VERB
ijosar-1126	97	12	poverty	poverty	NOUN
ijosar-1126	97	13	,	,	PUNCT
ijosar-1126	97	14	especially	especially	ADV
ijosar-1126	97	15	in	in	ADP
ijosar-1126	97	16	underserved	underserved	ADJ
ijosar-1126	97	17	sectors	sector	NOUN
ijosar-1126	97	18	(	(	PUNCT
ijosar-1126	97	19	demirgüç	demirgüç	PROPN
ijosar-1126	97	20	-	-	PUNCT
ijosar-1126	97	21	kunt	kunt	PROPN
ijosar-1126	97	22	et	et	PROPN
ijosar-1126	97	23	al	al	PROPN
ijosar-1126	97	24	.	.	PROPN
ijosar-1126	97	25	,	,	PUNCT
ijosar-1126	97	26	2023	2023	NUM
ijosar-1126	97	27	;	;	PUNCT
ijosar-1126	97	28	okello	okello	PROPN
ijosar-1126	97	29	&	&	CCONJ
ijosar-1126	97	30	musoke	musoke	PROPN
ijosar-1126	97	31	,	,	PUNCT
ijosar-1126	97	32	2022	2022	NUM
ijosar-1126	97	33	)	)	PUNCT
ijosar-1126	97	34	.	.	PUNCT
ijosar-1126	98	1	its	its	PRON
ijosar-1126	98	2	relevance	relevance	NOUN
ijosar-1126	98	3	to	to	ADP
ijosar-1126	98	4	fintech	fintech	NOUN
ijosar-1126	98	5	in	in	ADP
ijosar-1126	98	6	rwanda	rwanda	PROPN
ijosar-1126	98	7	lies	lie	VERB
ijosar-1126	98	8	in	in	ADP
ijosar-1126	98	9	explaining	explain	VERB
ijosar-1126	98	10	how	how	SCONJ
ijosar-1126	98	11	tools	tool	NOUN
ijosar-1126	98	12	like	like	ADP
ijosar-1126	98	13	mobile	mobile	ADJ
ijosar-1126	98	14	wallets	wallet	NOUN
ijosar-1126	98	15	and	and	CCONJ
ijosar-1126	98	16	digital	digital	ADJ
ijosar-1126	98	17	credit	credit	NOUN
ijosar-1126	98	18	enhance	enhance	NOUN
ijosar-1126	98	19	sme	sme	NOUN
ijosar-1126	98	20	growth	growth	NOUN
ijosar-1126	98	21	.	.	PUNCT
ijosar-1126	99	1	however	however	ADV
ijosar-1126	99	2	,	,	PUNCT
ijosar-1126	99	3	it	it	PRON
ijosar-1126	99	4	assumes	assume	VERB
ijosar-1126	99	5	access	access	NOUN
ijosar-1126	99	6	guarantees	guarantee	NOUN
ijosar-1126	99	7	usage	usage	NOUN
ijosar-1126	99	8	,	,	PUNCT
ijosar-1126	99	9	overlooking	overlook	VERB
ijosar-1126	99	10	digital	digital	ADJ
ijosar-1126	99	11	literacy	literacy	NOUN
ijosar-1126	99	12	and	and	CCONJ
ijosar-1126	99	13	trust	trust	NOUN
ijosar-1126	99	14	challenges	challenge	NOUN
ijosar-1126	99	15	.	.	PUNCT
ijosar-1126	100	1	2.2.2	2.2.2	X
ijosar-1126	100	2	.	.	PUNCT
ijosar-1126	100	3	technology	technology	NOUN
ijosar-1126	100	4	acceptance	acceptance	NOUN
ijosar-1126	100	5	model	model	NOUN
ijosar-1126	100	6	(	(	PUNCT
ijosar-1126	100	7	tam	tam	NOUN
ijosar-1126	100	8	)	)	PUNCT
ijosar-1126	100	9	technology	technology	NOUN
ijosar-1126	100	10	acceptance	acceptance	NOUN
ijosar-1126	100	11	model	model	NOUN
ijosar-1126	100	12	(	(	PUNCT
ijosar-1126	100	13	tam	tam	PROPN
ijosar-1126	100	14	)	)	PUNCT
ijosar-1126	100	15	is	be	AUX
ijosar-1126	100	16	a	a	DET
ijosar-1126	100	17	model	model	NOUN
ijosar-1126	100	18	developed	develop	VERB
ijosar-1126	100	19	by	by	ADP
ijosar-1126	100	20	davis	davis	PROPN
ijosar-1126	100	21	(	(	PUNCT
ijosar-1126	100	22	1989	1989	NUM
ijosar-1126	100	23	)	)	PUNCT
ijosar-1126	100	24	to	to	PART
ijosar-1126	100	25	explain	explain	VERB
ijosar-1126	100	26	the	the	DET
ijosar-1126	100	27	acceptance	acceptance	NOUN
ijosar-1126	100	28	of	of	ADP
ijosar-1126	100	29	technology	technology	NOUN
ijosar-1126	100	30	that	that	PRON
ijosar-1126	100	31	is	be	AUX
ijosar-1126	100	32	based	base	VERB
ijosar-1126	100	33	on	on	ADP
ijosar-1126	100	34	the	the	DET
ijosar-1126	100	35	perceived	perceive	VERB
ijosar-1126	100	36	usefulness	usefulness	NOUN
ijosar-1126	100	37	(	(	PUNCT
ijosar-1126	100	38	pu	pu	PROPN
ijosar-1126	100	39	)	)	PUNCT
ijosar-1126	100	40	and	and	CCONJ
ijosar-1126	100	41	perceived	perceive	VERB
ijosar-1126	100	42	ease	ease	NOUN
ijosar-1126	100	43	of	of	ADP
ijosar-1126	100	44	use	use	NOUN
ijosar-1126	100	45	(	(	PUNCT
ijosar-1126	100	46	peou	peou	ADV
ijosar-1126	100	47	)	)	PUNCT
ijosar-1126	100	48	.	.	PUNCT
ijosar-1126	101	1	being	be	AUX
ijosar-1126	101	2	implemented	implement	VERB
ijosar-1126	101	3	in	in	ADP
ijosar-1126	101	4	rwanda	rwanda	PROPN
ijosar-1126	101	5	,	,	PUNCT
ijosar-1126	101	6	it	it	PRON
ijosar-1126	101	7	can	can	AUX
ijosar-1126	101	8	be	be	AUX
ijosar-1126	101	9	used	use	VERB
ijosar-1126	101	10	to	to	PART
ijosar-1126	101	11	determine	determine	VERB
ijosar-1126	101	12	the	the	DET
ijosar-1126	101	13	adoption	adoption	NOUN
ijosar-1126	101	14	of	of	ADP
ijosar-1126	101	15	fintech	fintech	NOUN
ijosar-1126	101	16	as	as	SCONJ
ijosar-1126	101	17	the	the	DET
ijosar-1126	101	18	sme	sme	NOUN
ijosar-1126	101	19	uses	use	VERB
ijosar-1126	101	20	its	its	PRON
ijosar-1126	101	21	services	service	NOUN
ijosar-1126	101	22	,	,	PUNCT
ijosar-1126	101	23	such	such	ADJ
ijosar-1126	101	24	as	as	ADP
ijosar-1126	101	25	mtn	mtn	PROPN
ijosar-1126	101	26	momo	momo	PROPN
ijosar-1126	101	27	ijo	ijo	PROPN
ijosar-1126	101	28	journals	journals	PROPN
ijosar-1126	101	29	volume	volume	NOUN
ijosar-1126	101	30	08	08	NUM
ijosar-1126	102	1	|	|	ADV
ijosar-1126	102	2	issue	issue	NOUN
ijosar-1126	102	3	08	08	NUM
ijosar-1126	103	1	|	|	ADV
ijosar-1126	103	2	august	august	PROPN
ijosar-1126	103	3	2025	2025	NUM
ijosar-1126	104	1	|	|	ADV
ijosar-1126	104	2	https://ijojournals.com/index.php/ssh/index	https://ijojournals.com/index.php/ssh/index	NOUN
ijosar-1126	104	3	88	88	NUM
ijosar-1126	104	4	ijointernational	ijointernational	ADJ
ijosar-1126	104	5	journal	journal	NOUN
ijosar-1126	104	6	of	of	ADP
ijosar-1126	104	7	social	social	ADJ
ijosar-1126	104	8	science	science	NOUN
ijosar-1126	104	9	and	and	CCONJ
ijosar-1126	104	10	humanities	humanity	NOUN
ijosar-1126	104	11	research	research	NOUN
ijosar-1126	104	12	(	(	PUNCT
ijosar-1126	104	13	issn	issn	PROPN
ijosar-1126	104	14	2811	2811	NUM
ijosar-1126	104	15	-	-	SYM
ijosar-1126	104	16	2466	2466	NUM
ijosar-1126	104	17	)	)	PUNCT
ijosar-1126	104	18	obiora	obiora	PROPN
ijosar-1126	104	19	peters	peters	PROPN
ijosar-1126	104	20	,	,	PUNCT
ijosar-1126	104	21	emeka	emeka	VERB
ijosar-1126	104	22	phd1	phd1	PROPN
ijosar-1126	104	23	*	*	PUNCT
ijosar-1126	104	24	https://ijojournals.com/	https://ijojournals.com/	PROPN
ijosar-1126	104	25	volume	volume	NOUN
ijosar-1126	104	26	08	08	NUM
ijosar-1126	105	1	||	||	PROPN
ijosar-1126	105	2	issue	issue	NOUN
ijosar-1126	105	3	08	08	NUM
ijosar-1126	105	4	||	||	NOUN
ijosar-1126	105	5	august	august	PROPN
ijosar-1126	105	6	,	,	PUNCT
ijosar-1126	105	7	2025	2025	NUM
ijosar-1126	105	8	||	||	PUNCT
ijosar-1126	106	1	“	"	PUNCT
ijosar-1126	106	2	the	the	DET
ijosar-1126	106	3	impact	impact	NOUN
ijosar-1126	106	4	of	of	ADP
ijosar-1126	106	5	financial	financial	ADJ
ijosar-1126	106	6	technology	technology	NOUN
ijosar-1126	106	7	on	on	ADP
ijosar-1126	106	8	the	the	DET
ijosar-1126	106	9	growth	growth	NOUN
ijosar-1126	106	10	of	of	ADP
ijosar-1126	106	11	smes	sme	NOUN
ijosar-1126	106	12	in	in	ADP
ijosar-1126	106	13	rwanda	rwanda	PROPN
ijosar-1126	106	14	(	(	PUNCT
ijosar-1126	106	15	2020	2020	NUM
ijosar-1126	106	16	-	-	SYM
ijosar-1126	106	17	2024	2024	NUM
ijosar-1126	106	18	)	)	PUNCT
ijosar-1126	106	19	"	"	PUNCT
ijosar-1126	106	20	and	and	CCONJ
ijosar-1126	106	21	yego	yego	NOUN
ijosar-1126	106	22	pay	pay	NOUN
ijosar-1126	106	23	(	(	PUNCT
ijosar-1126	106	24	mugambi	mugambi	PROPN
ijosar-1126	106	25	&	&	CCONJ
ijosar-1126	106	26	wambua	wambua	PROPN
ijosar-1126	106	27	,	,	PUNCT
ijosar-1126	106	28	2022	2022	NUM
ijosar-1126	106	29	;	;	PUNCT
ijosar-1126	106	30	ngabire	ngabire	NOUN
ijosar-1126	106	31	&	&	CCONJ
ijosar-1126	106	32	uwizeyimana	uwizeyimana	PROPN
ijosar-1126	106	33	,	,	PUNCT
ijosar-1126	106	34	2023	2023	NUM
ijosar-1126	106	35	)	)	PUNCT
ijosar-1126	106	36	.	.	PUNCT
ijosar-1126	107	1	on	on	ADP
ijosar-1126	107	2	the	the	DET
ijosar-1126	107	3	one	one	NUM
ijosar-1126	107	4	hand	hand	NOUN
ijosar-1126	107	5	,	,	PUNCT
ijosar-1126	107	6	tam	tam	PROPN
ijosar-1126	107	7	has	have	VERB
ijosar-1126	107	8	an	an	DET
ijosar-1126	107	9	advantage	advantage	NOUN
ijosar-1126	107	10	of	of	ADP
ijosar-1126	107	11	being	be	AUX
ijosar-1126	107	12	a	a	DET
ijosar-1126	107	13	non	non	ADJ
ijosar-1126	107	14	-	-	ADJ
ijosar-1126	107	15	complex	complex	ADJ
ijosar-1126	107	16	theory	theory	NOUN
ijosar-1126	107	17	with	with	ADP
ijosar-1126	107	18	an	an	DET
ijosar-1126	107	19	emphasis	emphasis	NOUN
ijosar-1126	107	20	on	on	ADP
ijosar-1126	107	21	the	the	DET
ijosar-1126	107	22	notion	notion	NOUN
ijosar-1126	107	23	.	.	PUNCT
ijosar-1126	108	1	however	however	ADV
ijosar-1126	108	2	,	,	PUNCT
ijosar-1126	108	3	it	it	PRON
ijosar-1126	108	4	does	do	AUX
ijosar-1126	108	5	not	not	PART
ijosar-1126	108	6	embrace	embrace	VERB
ijosar-1126	108	7	such	such	ADJ
ijosar-1126	108	8	nuances	nuance	NOUN
ijosar-1126	108	9	as	as	ADP
ijosar-1126	108	10	trust	trust	NOUN
ijosar-1126	108	11	and	and	CCONJ
ijosar-1126	108	12	digital	digital	ADJ
ijosar-1126	108	13	literacy	literacy	NOUN
ijosar-1126	108	14	.	.	PUNCT
ijosar-1126	109	1	the	the	DET
ijosar-1126	109	2	results	result	NOUN
ijosar-1126	109	3	of	of	ADP
ijosar-1126	109	4	its	its	PRON
ijosar-1126	109	5	application	application	NOUN
ijosar-1126	109	6	demonstrate	demonstrate	NOUN
ijosar-1126	109	7	perceived	perceive	VERB
ijosar-1126	109	8	utility	utility	NOUN
ijosar-1126	109	9	and	and	CCONJ
ijosar-1126	109	10	ease	ease	NOUN
ijosar-1126	109	11	as	as	ADP
ijosar-1126	109	12	motivators	motivator	NOUN
ijosar-1126	109	13	or	or	CCONJ
ijosar-1126	109	14	inhibitors	inhibitor	NOUN
ijosar-1126	109	15	of	of	ADP
ijosar-1126	109	16	fintech	fintech	NOUN
ijosar-1126	109	17	usage	usage	NOUN
ijosar-1126	109	18	as	as	ADP
ijosar-1126	109	19	options	option	NOUN
ijosar-1126	109	20	that	that	PRON
ijosar-1126	109	21	influence	influence	VERB
ijosar-1126	109	22	specific	specific	ADJ
ijosar-1126	109	23	interventions	intervention	NOUN
ijosar-1126	109	24	among	among	ADP
ijosar-1126	109	25	rwandan	rwandan	PROPN
ijosar-1126	109	26	smes	sme	NOUN
ijosar-1126	109	27	.	.	PUNCT
ijosar-1126	110	1	2.2.3	2.2.3	NUM
ijosar-1126	110	2	.	.	X
ijosar-1126	110	3	resource	resource	NOUN
ijosar-1126	110	4	-	-	PUNCT
ijosar-1126	110	5	based	base	VERB
ijosar-1126	110	6	view	view	NOUN
ijosar-1126	110	7	(	(	PUNCT
ijosar-1126	110	8	rbv	rbv	NOUN
ijosar-1126	110	9	)	)	PUNCT
ijosar-1126	110	10	resource	resource	NOUN
ijosar-1126	110	11	-	-	PUNCT
ijosar-1126	110	12	based	base	VERB
ijosar-1126	110	13	view	view	NOUN
ijosar-1126	110	14	(	(	PUNCT
ijosar-1126	110	15	rbv	rbv	NOUN
ijosar-1126	110	16	)	)	PUNCT
ijosar-1126	110	17	developed	develop	VERB
ijosar-1126	110	18	by	by	ADP
ijosar-1126	110	19	barney	barney	NOUN
ijosar-1126	110	20	(	(	PUNCT
ijosar-1126	110	21	1991	1991	NUM
ijosar-1126	110	22	)	)	PUNCT
ijosar-1126	110	23	describes	describe	VERB
ijosar-1126	110	24	a	a	DET
ijosar-1126	110	25	firm	firm	ADJ
ijosar-1126	110	26	success	success	NOUN
ijosar-1126	110	27	by	by	ADP
ijosar-1126	110	28	use	use	NOUN
ijosar-1126	110	29	of	of	ADP
ijosar-1126	110	30	valuable	valuable	ADJ
ijosar-1126	110	31	,	,	PUNCT
ijosar-1126	110	32	rare	rare	ADJ
ijosar-1126	110	33	,	,	PUNCT
ijosar-1126	110	34	inimitable	inimitable	ADJ
ijosar-1126	110	35	and	and	CCONJ
ijosar-1126	110	36	non	non	ADJ
ijosar-1126	110	37	-	-	ADJ
ijosar-1126	110	38	substitutable	substitutable	ADJ
ijosar-1126	110	39	(	(	PUNCT
ijosar-1126	110	40	vrin	vrin	ADJ
ijosar-1126	110	41	)	)	PUNCT
ijosar-1126	110	42	internal	internal	ADJ
ijosar-1126	110	43	resources	resource	NOUN
ijosar-1126	110	44	.	.	PUNCT
ijosar-1126	111	1	fintech	fintech	NOUN
ijosar-1126	111	2	tools	tool	NOUN
ijosar-1126	111	3	applied	apply	VERB
ijosar-1126	111	4	to	to	ADP
ijosar-1126	111	5	the	the	DET
ijosar-1126	111	6	smes	sme	NOUN
ijosar-1126	111	7	in	in	ADP
ijosar-1126	111	8	rwanda	rwanda	PROPN
ijosar-1126	111	9	can	can	AUX
ijosar-1126	111	10	serve	serve	VERB
ijosar-1126	111	11	as	as	ADP
ijosar-1126	111	12	a	a	DET
ijosar-1126	111	13	strategic	strategic	ADJ
ijosar-1126	111	14	tool	tool	NOUN
ijosar-1126	111	15	that	that	PRON
ijosar-1126	111	16	enhances	enhance	VERB
ijosar-1126	111	17	access	access	NOUN
ijosar-1126	111	18	to	to	ADP
ijosar-1126	111	19	funds	fund	NOUN
ijosar-1126	111	20	,	,	PUNCT
ijosar-1126	111	21	financial	financial	ADJ
ijosar-1126	111	22	record	record	NOUN
ijosar-1126	111	23	keeping	keeping	NOUN
ijosar-1126	111	24	,	,	PUNCT
ijosar-1126	111	25	and	and	CCONJ
ijosar-1126	111	26	market	market	NOUN
ijosar-1126	111	27	competitiveness	competitiveness	NOUN
ijosar-1126	111	28	(	(	PUNCT
ijosar-1126	111	29	nyaga	nyaga	PROPN
ijosar-1126	111	30	&	&	CCONJ
ijosar-1126	111	31	karimi	karimi	PROPN
ijosar-1126	111	32	,	,	PUNCT
ijosar-1126	111	33	2023	2023	NUM
ijosar-1126	111	34	;	;	PUNCT
ijosar-1126	111	35	habumuremyi	habumuremyi	NOUN
ijosar-1126	111	36	,	,	PUNCT
ijosar-1126	111	37	2024	2024	NUM
ijosar-1126	111	38	)	)	PUNCT
ijosar-1126	111	39	.	.	PUNCT
ijosar-1126	112	1	although	although	SCONJ
ijosar-1126	112	2	rbv	rbv	NOUN
ijosar-1126	112	3	is	be	AUX
ijosar-1126	112	4	a	a	DET
ijosar-1126	112	5	powerful	powerful	ADJ
ijosar-1126	112	6	framework	framework	NOUN
ijosar-1126	112	7	of	of	ADP
ijosar-1126	112	8	strategy	strategy	NOUN
ijosar-1126	112	9	,	,	PUNCT
ijosar-1126	112	10	it	it	PRON
ijosar-1126	112	11	has	have	AUX
ijosar-1126	112	12	faced	face	VERB
ijosar-1126	112	13	criticism	criticism	NOUN
ijosar-1126	112	14	with	with	ADP
ijosar-1126	112	15	regard	regard	NOUN
ijosar-1126	112	16	to	to	ADP
ijosar-1126	112	17	externality	externality	NOUN
ijosar-1126	112	18	.	.	PUNCT
ijosar-1126	113	1	in	in	ADP
ijosar-1126	113	2	the	the	DET
ijosar-1126	113	3	given	give	VERB
ijosar-1126	113	4	study	study	NOUN
ijosar-1126	113	5	,	,	PUNCT
ijosar-1126	113	6	it	it	PRON
ijosar-1126	113	7	indicates	indicate	VERB
ijosar-1126	113	8	the	the	DET
ijosar-1126	113	9	manner	manner	NOUN
ijosar-1126	113	10	in	in	ADP
ijosar-1126	113	11	which	which	PRON
ijosar-1126	113	12	smes	sme	NOUN
ijosar-1126	113	13	use	use	VERB
ijosar-1126	113	14	in	in	ADP
ijosar-1126	113	15	-	-	PUNCT
ijosar-1126	113	16	house	house	NOUN
ijosar-1126	113	17	capabilities	capability	NOUN
ijosar-1126	113	18	through	through	ADP
ijosar-1126	113	19	fintech	fintech	NOUN
ijosar-1126	113	20	to	to	PART
ijosar-1126	113	21	attain	attain	VERB
ijosar-1126	113	22	their	their	PRON
ijosar-1126	113	23	sustained	sustained	ADJ
ijosar-1126	113	24	growth	growth	NOUN
ijosar-1126	113	25	.	.	PUNCT
ijosar-1126	114	1	2.4	2.4	NUM
ijosar-1126	114	2	empirical	empirical	ADJ
ijosar-1126	114	3	review	review	NOUN
ijosar-1126	114	4	this	this	DET
ijosar-1126	114	5	section	section	NOUN
ijosar-1126	114	6	reviews	review	VERB
ijosar-1126	114	7	prior	prior	ADV
ijosar-1126	114	8	authors	author	NOUN
ijosar-1126	114	9	studies	study	NOUN
ijosar-1126	114	10	including	include	VERB
ijosar-1126	114	11	the	the	DET
ijosar-1126	114	12	methodologies	methodology	NOUN
ijosar-1126	114	13	and	and	CCONJ
ijosar-1126	114	14	their	their	PRON
ijosar-1126	114	15	findings	finding	NOUN
ijosar-1126	114	16	.	.	PUNCT
ijosar-1126	115	1	siaka	siaka	PROPN
ijosar-1126	115	2	(	(	PUNCT
ijosar-1126	115	3	2025	2025	NUM
ijosar-1126	115	4	)	)	PUNCT
ijosar-1126	115	5	explored	explore	VERB
ijosar-1126	115	6	rwanda	rwanda	PROPN
ijosar-1126	115	7	’s	’s	PART
ijosar-1126	115	8	mobile	mobile	ADJ
ijosar-1126	115	9	money	money	NOUN
ijosar-1126	115	10	and	and	CCONJ
ijosar-1126	115	11	merchant	merchant	NOUN
ijosar-1126	115	12	payments	payment	NOUN
ijosar-1126	115	13	ecosystem	ecosystem	NOUN
ijosar-1126	115	14	,	,	PUNCT
ijosar-1126	115	15	showing	show	VERB
ijosar-1126	115	16	how	how	SCONJ
ijosar-1126	115	17	smes	sme	NOUN
ijosar-1126	115	18	using	use	VERB
ijosar-1126	115	19	mtn	mtn	PROPN
ijosar-1126	115	20	momo	momo	NOUN
ijosar-1126	115	21	and	and	CCONJ
ijosar-1126	115	22	airtel	airtel	PROPN
ijosar-1126	115	23	merchant	merchant	NOUN
ijosar-1126	115	24	accounts	account	NOUN
ijosar-1126	115	25	increased	increase	VERB
ijosar-1126	115	26	transaction	transaction	NOUN
ijosar-1126	115	27	efficiency	efficiency	NOUN
ijosar-1126	115	28	and	and	CCONJ
ijosar-1126	115	29	expanded	expand	VERB
ijosar-1126	115	30	customer	customer	NOUN
ijosar-1126	115	31	reach	reach	NOUN
ijosar-1126	115	32	.	.	PUNCT
ijosar-1126	116	1	using	use	VERB
ijosar-1126	116	2	descriptive	descriptive	ADJ
ijosar-1126	116	3	analysis	analysis	NOUN
ijosar-1126	116	4	of	of	ADP
ijosar-1126	116	5	transaction	transaction	NOUN
ijosar-1126	116	6	volume	volume	NOUN
ijosar-1126	116	7	and	and	CCONJ
ijosar-1126	116	8	merchant	merchant	NOUN
ijosar-1126	116	9	survey	survey	NOUN
ijosar-1126	116	10	data	datum	NOUN
ijosar-1126	116	11	,	,	PUNCT
ijosar-1126	116	12	the	the	DET
ijosar-1126	116	13	study	study	NOUN
ijosar-1126	116	14	concluded	conclude	VERB
ijosar-1126	116	15	that	that	SCONJ
ijosar-1126	116	16	digital	digital	ADJ
ijosar-1126	116	17	payment	payment	NOUN
ijosar-1126	116	18	onboarding	onboarding	NOUN
ijosar-1126	116	19	lowered	lower	VERB
ijosar-1126	116	20	barriers	barrier	NOUN
ijosar-1126	116	21	and	and	CCONJ
ijosar-1126	116	22	supported	support	VERB
ijosar-1126	116	23	sme	sme	ADJ
ijosar-1126	116	24	sales	sale	NOUN
ijosar-1126	116	25	growth	growth	NOUN
ijosar-1126	116	26	through	through	ADP
ijosar-1126	116	27	increased	increase	VERB
ijosar-1126	116	28	convenience	convenience	NOUN
ijosar-1126	116	29	and	and	CCONJ
ijosar-1126	116	30	lower	low	ADJ
ijosar-1126	116	31	cost	cost	NOUN
ijosar-1126	116	32	barriers	barrier	NOUN
ijosar-1126	116	33	sanga	sanga	PROPN
ijosar-1126	116	34	and	and	CCONJ
ijosar-1126	116	35	aziakpono	aziakpono	PROPN
ijosar-1126	116	36	(	(	PUNCT
ijosar-1126	116	37	2024	2024	NUM
ijosar-1126	116	38	)	)	PUNCT
ijosar-1126	116	39	conducted	conduct	VERB
ijosar-1126	116	40	a	a	DET
ijosar-1126	116	41	continent	continent	NOUN
ijosar-1126	116	42	-	-	PUNCT
ijosar-1126	116	43	wide	wide	ADJ
ijosar-1126	116	44	empirical	empirical	ADJ
ijosar-1126	116	45	study	study	NOUN
ijosar-1126	116	46	on	on	ADP
ijosar-1126	116	47	fintech	fintech	NOUN
ijosar-1126	116	48	developments	development	NOUN
ijosar-1126	116	49	and	and	CCONJ
ijosar-1126	116	50	sme	sme	PROPN
ijosar-1126	116	51	digital	digital	PROPN
ijosar-1126	116	52	finance	finance	NOUN
ijosar-1126	116	53	,	,	PUNCT
ijosar-1126	116	54	including	include	VERB
ijosar-1126	116	55	rwanda	rwanda	PROPN
ijosar-1126	116	56	.	.	PUNCT
ijosar-1126	117	1	using	use	VERB
ijosar-1126	117	2	quantile	quantile	ADJ
ijosar-1126	117	3	regression	regression	NOUN
ijosar-1126	117	4	across	across	ADP
ijosar-1126	117	5	47	47	NUM
ijosar-1126	117	6	african	african	ADJ
ijosar-1126	117	7	countries	country	NOUN
ijosar-1126	117	8	and	and	CCONJ
ijosar-1126	117	9	controlling	control	VERB
ijosar-1126	117	10	for	for	ADP
ijosar-1126	117	11	institutional	institutional	ADJ
ijosar-1126	117	12	quality	quality	NOUN
ijosar-1126	117	13	,	,	PUNCT
ijosar-1126	117	14	they	they	PRON
ijosar-1126	117	15	found	find	VERB
ijosar-1126	117	16	fintech	fintech	NOUN
ijosar-1126	117	17	development	development	NOUN
ijosar-1126	117	18	significantly	significantly	ADV
ijosar-1126	117	19	improves	improve	VERB
ijosar-1126	117	20	sme	sme	ADJ
ijosar-1126	117	21	access	access	NOUN
ijosar-1126	117	22	to	to	ADP
ijosar-1126	117	23	finance	finance	NOUN
ijosar-1126	117	24	in	in	ADP
ijosar-1126	117	25	countries	country	NOUN
ijosar-1126	117	26	with	with	ADP
ijosar-1126	117	27	moderate	moderate	ADJ
ijosar-1126	117	28	to	to	AUX
ijosar-1126	117	29	high	high	ADJ
ijosar-1126	117	30	digital	digital	ADJ
ijosar-1126	117	31	infrastructure	infrastructure	NOUN
ijosar-1126	117	32	.	.	PUNCT
ijosar-1126	118	1	the	the	DET
ijosar-1126	118	2	study	study	NOUN
ijosar-1126	118	3	concluded	conclude	VERB
ijosar-1126	118	4	that	that	SCONJ
ijosar-1126	118	5	rwanda	rwanda	PROPN
ijosar-1126	118	6	’s	’s	PART
ijosar-1126	118	7	digital	digital	PROPN
ijosar-1126	118	8	ecosystem	ecosystem	NOUN
ijosar-1126	118	9	offers	offer	VERB
ijosar-1126	118	10	fertile	fertile	ADJ
ijosar-1126	118	11	ground	ground	NOUN
ijosar-1126	118	12	for	for	ADP
ijosar-1126	118	13	sme	sme	NOUN
ijosar-1126	118	14	growth	growth	NOUN
ijosar-1126	118	15	through	through	ADP
ijosar-1126	118	16	fintech	fintech	NOUN
ijosar-1126	118	17	.	.	PUNCT
ijosar-1126	119	1	ijo	ijo	PROPN
ijosar-1126	119	2	journals	journal	NOUN
ijosar-1126	119	3	volume	volume	NOUN
ijosar-1126	119	4	08	08	NUM
ijosar-1126	120	1	|	|	ADV
ijosar-1126	120	2	issue	issue	NOUN
ijosar-1126	120	3	08	08	NUM
ijosar-1126	121	1	|	|	ADV
ijosar-1126	121	2	august	august	PROPN
ijosar-1126	121	3	2025	2025	NUM
ijosar-1126	122	1	|	|	ADV
ijosar-1126	122	2	https://ijojournals.com/index.php/ssh/index	https://ijojournals.com/index.php/ssh/index	NOUN
ijosar-1126	122	3	89	89	NUM
ijosar-1126	122	4	ijointernational	ijointernational	ADJ
ijosar-1126	122	5	journal	journal	NOUN
ijosar-1126	122	6	of	of	ADP
ijosar-1126	122	7	social	social	ADJ
ijosar-1126	122	8	science	science	NOUN
ijosar-1126	122	9	and	and	CCONJ
ijosar-1126	122	10	humanities	humanity	NOUN
ijosar-1126	122	11	research	research	NOUN
ijosar-1126	122	12	(	(	PUNCT
ijosar-1126	122	13	issn	issn	PROPN
ijosar-1126	122	14	2811	2811	NUM
ijosar-1126	122	15	-	-	SYM
ijosar-1126	122	16	2466	2466	NUM
ijosar-1126	122	17	)	)	PUNCT
ijosar-1126	122	18	obiora	obiora	PROPN
ijosar-1126	122	19	peters	peters	PROPN
ijosar-1126	122	20	,	,	PUNCT
ijosar-1126	122	21	emeka	emeka	VERB
ijosar-1126	122	22	phd1	phd1	PROPN
ijosar-1126	122	23	*	*	PUNCT
ijosar-1126	122	24	https://ijojournals.com/	https://ijojournals.com/	PROPN
ijosar-1126	122	25	volume	volume	NOUN
ijosar-1126	122	26	08	08	NUM
ijosar-1126	123	1	||	||	PROPN
ijosar-1126	123	2	issue	issue	NOUN
ijosar-1126	123	3	08	08	NUM
ijosar-1126	123	4	||	||	NOUN
ijosar-1126	123	5	august	august	PROPN
ijosar-1126	123	6	,	,	PUNCT
ijosar-1126	123	7	2025	2025	NUM
ijosar-1126	123	8	||	||	PUNCT
ijosar-1126	124	1	“	"	PUNCT
ijosar-1126	124	2	the	the	DET
ijosar-1126	124	3	impact	impact	NOUN
ijosar-1126	124	4	of	of	ADP
ijosar-1126	124	5	financial	financial	ADJ
ijosar-1126	124	6	technology	technology	NOUN
ijosar-1126	124	7	on	on	ADP
ijosar-1126	124	8	the	the	DET
ijosar-1126	124	9	growth	growth	NOUN
ijosar-1126	124	10	of	of	ADP
ijosar-1126	124	11	smes	sme	NOUN
ijosar-1126	124	12	in	in	ADP
ijosar-1126	124	13	rwanda	rwanda	PROPN
ijosar-1126	124	14	(	(	PUNCT
ijosar-1126	124	15	2020	2020	NUM
ijosar-1126	124	16	-	-	SYM
ijosar-1126	124	17	2024	2024	NUM
ijosar-1126	124	18	)	)	PUNCT
ijosar-1126	124	19	"	"	PUNCT
ijosar-1126	124	20	rizzi	rizzi	PROPN
ijosar-1126	124	21	&	&	CCONJ
ijosar-1126	124	22	kumari	kumari	PROPN
ijosar-1126	124	23	(	(	PUNCT
ijosar-1126	124	24	2021	2021	NUM
ijosar-1126	124	25	)	)	PUNCT
ijosar-1126	124	26	performed	perform	VERB
ijosar-1126	124	27	qualitative	qualitative	ADJ
ijosar-1126	124	28	interviews	interview	NOUN
ijosar-1126	124	29	with	with	ADP
ijosar-1126	124	30	30	30	NUM
ijosar-1126	124	31	rwandan	rwandan	PROPN
ijosar-1126	124	32	mobile	mobile	ADJ
ijosar-1126	124	33	money	money	NOUN
ijosar-1126	124	34	users	user	NOUN
ijosar-1126	124	35	,	,	PUNCT
ijosar-1126	124	36	including	include	VERB
ijosar-1126	124	37	sme	sme	NOUN
ijosar-1126	124	38	operators	operator	NOUN
ijosar-1126	124	39	,	,	PUNCT
ijosar-1126	124	40	examining	examine	VERB
ijosar-1126	124	41	trust	trust	NOUN
ijosar-1126	124	42	and	and	CCONJ
ijosar-1126	124	43	data	datum	NOUN
ijosar-1126	124	44	usage	usage	NOUN
ijosar-1126	124	45	in	in	ADP
ijosar-1126	124	46	digital	digital	ADJ
ijosar-1126	124	47	lending	lending	NOUN
ijosar-1126	124	48	.	.	PUNCT
ijosar-1126	125	1	the	the	DET
ijosar-1126	125	2	study	study	NOUN
ijosar-1126	125	3	found	find	VERB
ijosar-1126	125	4	that	that	SCONJ
ijosar-1126	125	5	smes	sme	NOUN
ijosar-1126	125	6	appreciated	appreciate	VERB
ijosar-1126	125	7	fast	fast	ADJ
ijosar-1126	125	8	data	data	NOUN
ijosar-1126	125	9	-	-	PUNCT
ijosar-1126	125	10	driven	drive	VERB
ijosar-1126	125	11	credit	credit	NOUN
ijosar-1126	125	12	approvals	approval	NOUN
ijosar-1126	125	13	via	via	ADP
ijosar-1126	125	14	mobile	mobile	ADJ
ijosar-1126	125	15	platforms	platform	NOUN
ijosar-1126	125	16	,	,	PUNCT
ijosar-1126	125	17	but	but	CCONJ
ijosar-1126	125	18	emphasized	emphasize	VERB
ijosar-1126	125	19	concerns	concern	NOUN
ijosar-1126	125	20	over	over	ADP
ijosar-1126	125	21	data	datum	NOUN
ijosar-1126	125	22	privacy	privacy	NOUN
ijosar-1126	125	23	and	and	CCONJ
ijosar-1126	125	24	transparency	transparency	NOUN
ijosar-1126	125	25	.	.	PUNCT
ijosar-1126	126	1	it	it	PRON
ijosar-1126	126	2	concluded	conclude	VERB
ijosar-1126	126	3	that	that	SCONJ
ijosar-1126	126	4	improving	improve	VERB
ijosar-1126	126	5	data	datum	NOUN
ijosar-1126	126	6	governance	governance	NOUN
ijosar-1126	126	7	could	could	AUX
ijosar-1126	126	8	increase	increase	VERB
ijosar-1126	126	9	sme	sme	ADJ
ijosar-1126	126	10	uptake	uptake	NOUN
ijosar-1126	126	11	of	of	ADP
ijosar-1126	126	12	digital	digital	ADJ
ijosar-1126	126	13	credit	credit	NOUN
ijosar-1126	126	14	.	.	PUNCT
ijosar-1126	127	1	animhiaga	animhiaga	PROPN
ijosar-1126	127	2	(	(	PUNCT
ijosar-1126	127	3	2025	2025	NUM
ijosar-1126	127	4	)	)	PUNCT
ijosar-1126	127	5	provided	provide	VERB
ijosar-1126	127	6	industry	industry	NOUN
ijosar-1126	127	7	data	datum	NOUN
ijosar-1126	127	8	on	on	ADP
ijosar-1126	127	9	rwanda	rwanda	PROPN
ijosar-1126	127	10	’s	’s	PART
ijosar-1126	127	11	sme	sme	PROPN
ijosar-1126	127	12	loan	loan	PROPN
ijosar-1126	127	13	sector	sector	NOUN
ijosar-1126	127	14	transformation	transformation	NOUN
ijosar-1126	127	15	,	,	PUNCT
ijosar-1126	127	16	showing	show	VERB
ijosar-1126	127	17	that	that	SCONJ
ijosar-1126	127	18	between	between	ADP
ijosar-1126	127	19	2019–2024	2019–2024	NUM
ijosar-1126	127	20	,	,	PUNCT
ijosar-1126	127	21	sme	sme	NOUN
ijosar-1126	127	22	loans	loan	NOUN
ijosar-1126	127	23	grew	grow	VERB
ijosar-1126	127	24	by	by	ADP
ijosar-1126	127	25	25	25	NUM
ijosar-1126	127	26	%	%	NOUN
ijosar-1126	127	27	,	,	PUNCT
ijosar-1126	127	28	partly	partly	ADV
ijosar-1126	127	29	due	due	ADJ
ijosar-1126	127	30	to	to	ADP
ijosar-1126	127	31	digital	digital	ADJ
ijosar-1126	127	32	credit	credit	NOUN
ijosar-1126	127	33	platforms	platform	NOUN
ijosar-1126	127	34	integrated	integrate	VERB
ijosar-1126	127	35	with	with	ADP
ijosar-1126	127	36	mobile	mobile	ADJ
ijosar-1126	127	37	wallets	wallet	NOUN
ijosar-1126	127	38	.	.	PUNCT
ijosar-1126	128	1	descriptive	descriptive	ADJ
ijosar-1126	128	2	and	and	CCONJ
ijosar-1126	128	3	trend	trend	NOUN
ijosar-1126	128	4	analysis	analysis	NOUN
ijosar-1126	128	5	highlighted	highlight	VERB
ijosar-1126	128	6	that	that	SCONJ
ijosar-1126	128	7	fintech	fintech	NOUN
ijosar-1126	128	8	-	-	PUNCT
ijosar-1126	128	9	driven	drive	VERB
ijosar-1126	128	10	credit	credit	NOUN
ijosar-1126	128	11	access	access	NOUN
ijosar-1126	128	12	via	via	ADP
ijosar-1126	128	13	mobile	mobile	ADJ
ijosar-1126	128	14	reduced	reduce	VERB
ijosar-1126	128	15	traditional	traditional	ADJ
ijosar-1126	128	16	loan	loan	NOUN
ijosar-1126	128	17	barriers	barrier	NOUN
ijosar-1126	128	18	,	,	PUNCT
ijosar-1126	128	19	leading	lead	VERB
ijosar-1126	128	20	to	to	ADP
ijosar-1126	128	21	greater	great	ADJ
ijosar-1126	128	22	sme	sme	NOUN
ijosar-1126	128	23	investment	investment	NOUN
ijosar-1126	128	24	and	and	CCONJ
ijosar-1126	128	25	formalization	formalization	NOUN
ijosar-1126	128	26	.	.	PUNCT
ijosar-1126	129	1	animhiaga	animhiaga	PROPN
ijosar-1126	129	2	(	(	PUNCT
ijosar-1126	129	3	2025	2025	NUM
ijosar-1126	129	4	)	)	PUNCT
ijosar-1126	129	5	also	also	ADV
ijosar-1126	129	6	reviewed	review	VERB
ijosar-1126	129	7	consumer	consumer	NOUN
ijosar-1126	129	8	credit	credit	NOUN
ijosar-1126	129	9	via	via	ADP
ijosar-1126	129	10	mobile	mobile	ADJ
ijosar-1126	129	11	lending	lending	NOUN
ijosar-1126	129	12	services	service	NOUN
ijosar-1126	129	13	,	,	PUNCT
ijosar-1126	129	14	noting	note	VERB
ijosar-1126	129	15	that	that	SCONJ
ijosar-1126	129	16	by	by	ADP
ijosar-1126	129	17	mid-2022	mid-2022	NOUN
ijosar-1126	129	18	over	over	ADP
ijosar-1126	129	19	16	16	NUM
ijosar-1126	129	20	million	million	NUM
ijosar-1126	129	21	mobile	mobile	ADJ
ijosar-1126	129	22	money	money	NOUN
ijosar-1126	129	23	accounts	account	NOUN
ijosar-1126	129	24	enabled	enable	VERB
ijosar-1126	129	25	instant	instant	ADJ
ijosar-1126	129	26	loans	loan	NOUN
ijosar-1126	129	27	through	through	ADP
ijosar-1126	129	28	mtn	mtn	PROPN
ijosar-1126	129	29	mokash	mokash	NOUN
ijosar-1126	129	30	and	and	CCONJ
ijosar-1126	129	31	airtel	airtel	PROPN
ijosar-1126	129	32	tigo	tigo	PROPN
ijosar-1126	129	33	.	.	PUNCT
ijosar-1126	130	1	the	the	DET
ijosar-1126	130	2	study	study	NOUN
ijosar-1126	130	3	concluded	conclude	VERB
ijosar-1126	130	4	that	that	SCONJ
ijosar-1126	130	5	while	while	SCONJ
ijosar-1126	130	6	mobile	mobile	ADJ
ijosar-1126	130	7	credit	credit	NOUN
ijosar-1126	130	8	eased	ease	VERB
ijosar-1126	130	9	access	access	NOUN
ijosar-1126	130	10	for	for	ADP
ijosar-1126	130	11	smes	sme	NOUN
ijosar-1126	130	12	,	,	PUNCT
ijosar-1126	130	13	concerns	concern	NOUN
ijosar-1126	130	14	remain	remain	VERB
ijosar-1126	130	15	around	around	ADP
ijosar-1126	130	16	high	high	ADJ
ijosar-1126	130	17	rates	rate	NOUN
ijosar-1126	130	18	and	and	CCONJ
ijosar-1126	130	19	over	over	ADP
ijosar-1126	130	20	-	-	PUNCT
ijosar-1126	130	21	indebtedness	indebtedness	NOUN
ijosar-1126	130	22	.	.	PUNCT
ijosar-1126	131	1	it	it	PRON
ijosar-1126	131	2	emphasized	emphasize	VERB
ijosar-1126	131	3	need	need	NOUN
ijosar-1126	131	4	for	for	ADP
ijosar-1126	131	5	regulatory	regulatory	ADJ
ijosar-1126	131	6	safeguards	safeguard	NOUN
ijosar-1126	131	7	in	in	ADP
ijosar-1126	131	8	sme	sme	NOUN
ijosar-1126	131	9	finance	finance	NOUN
ijosar-1126	131	10	.	.	PUNCT
ijosar-1126	132	1	xelius	xelius	PROPN
ijosar-1126	132	2	(	(	PUNCT
ijosar-1126	132	3	2025	2025	NUM
ijosar-1126	132	4	)	)	PUNCT
ijosar-1126	132	5	surveyed	survey	VERB
ijosar-1126	132	6	rwanda	rwanda	PROPN
ijosar-1126	132	7	’s	’s	PART
ijosar-1126	132	8	fintech	fintech	NOUN
ijosar-1126	132	9	landscape	landscape	NOUN
ijosar-1126	132	10	,	,	PUNCT
ijosar-1126	132	11	with	with	ADP
ijosar-1126	132	12	mobile	mobile	ADJ
ijosar-1126	132	13	money	money	NOUN
ijosar-1126	132	14	and	and	CCONJ
ijosar-1126	132	15	digital	digital	ADJ
ijosar-1126	132	16	lending	lending	NOUN
ijosar-1126	132	17	comprising	comprise	VERB
ijosar-1126	132	18	over	over	ADP
ijosar-1126	132	19	60	60	NUM
ijosar-1126	132	20	%	%	NOUN
ijosar-1126	132	21	of	of	ADP
ijosar-1126	132	22	sector	sector	NOUN
ijosar-1126	132	23	activity	activity	NOUN
ijosar-1126	132	24	.	.	PUNCT
ijosar-1126	133	1	the	the	DET
ijosar-1126	133	2	report	report	NOUN
ijosar-1126	133	3	used	use	VERB
ijosar-1126	133	4	descriptive	descriptive	ADJ
ijosar-1126	133	5	and	and	CCONJ
ijosar-1126	133	6	correlational	correlational	ADJ
ijosar-1126	133	7	methods	method	NOUN
ijosar-1126	133	8	,	,	PUNCT
ijosar-1126	133	9	finding	find	VERB
ijosar-1126	133	10	that	that	SCONJ
ijosar-1126	133	11	mobile	mobile	ADJ
ijosar-1126	133	12	wallets	wallet	NOUN
ijosar-1126	133	13	and	and	CCONJ
ijosar-1126	133	14	digital	digital	ADJ
ijosar-1126	133	15	loans	loan	NOUN
ijosar-1126	133	16	significantly	significantly	ADV
ijosar-1126	133	17	increase	increase	VERB
ijosar-1126	133	18	financial	financial	ADJ
ijosar-1126	133	19	inclusion	inclusion	NOUN
ijosar-1126	133	20	(	(	PUNCT
ijosar-1126	133	21	up	up	ADP
ijosar-1126	133	22	to	to	PART
ijosar-1126	133	23	96	96	NUM
ijosar-1126	133	24	%	%	NOUN
ijosar-1126	133	25	adult	adult	NOUN
ijosar-1126	133	26	inclusion	inclusion	NOUN
ijosar-1126	133	27	)	)	PUNCT
ijosar-1126	133	28	and	and	CCONJ
ijosar-1126	133	29	sme	sme	PROPN
ijosar-1126	133	30	digital	digital	ADJ
ijosar-1126	133	31	adoption	adoption	NOUN
ijosar-1126	133	32	.	.	PUNCT
ijosar-1126	134	1	it	it	PRON
ijosar-1126	134	2	concluded	conclude	VERB
ijosar-1126	134	3	that	that	SCONJ
ijosar-1126	134	4	regulatory	regulatory	ADJ
ijosar-1126	134	5	initiatives	initiative	NOUN
ijosar-1126	134	6	,	,	PUNCT
ijosar-1126	134	7	like	like	ADP
ijosar-1126	134	8	interoperable	interoperable	ADJ
ijosar-1126	134	9	payment	payment	NOUN
ijosar-1126	134	10	frameworks	framework	NOUN
ijosar-1126	134	11	,	,	PUNCT
ijosar-1126	134	12	are	be	AUX
ijosar-1126	134	13	accelerating	accelerate	VERB
ijosar-1126	134	14	sme	sme	ADJ
ijosar-1126	134	15	access	access	NOUN
ijosar-1126	134	16	to	to	ADP
ijosar-1126	134	17	fintech	fintech	NOUN
ijosar-1126	134	18	tools	tool	NOUN
ijosar-1126	134	19	.	.	PUNCT
ijosar-1126	135	1	siaka	siaka	NOUN
ijosar-1126	135	2	(	(	PUNCT
ijosar-1126	135	3	2024	2024	NUM
ijosar-1126	135	4	)	)	PUNCT
ijosar-1126	135	5	reported	report	VERB
ijosar-1126	135	6	on	on	ADP
ijosar-1126	135	7	rwanda	rwanda	PROPN
ijosar-1126	135	8	’s	’s	PART
ijosar-1126	135	9	national	national	PROPN
ijosar-1126	135	10	fintech	fintech	NOUN
ijosar-1126	135	11	strategy	strategy	NOUN
ijosar-1126	135	12	targeting	target	VERB
ijosar-1126	135	13	sme	sme	NOUN
ijosar-1126	135	14	inclusion	inclusion	NOUN
ijosar-1126	135	15	via	via	ADP
ijosar-1126	135	16	digital	digital	ADJ
ijosar-1126	135	17	payments	payment	NOUN
ijosar-1126	135	18	and	and	CCONJ
ijosar-1126	135	19	credit	credit	NOUN
ijosar-1126	135	20	.	.	PUNCT
ijosar-1126	136	1	while	while	SCONJ
ijosar-1126	136	2	primarily	primarily	ADV
ijosar-1126	136	3	policy	policy	NOUN
ijosar-1126	136	4	analysis	analysis	NOUN
ijosar-1126	136	5	,	,	PUNCT
ijosar-1126	136	6	it	it	PRON
ijosar-1126	136	7	incorporated	incorporate	VERB
ijosar-1126	136	8	rollout	rollout	NOUN
ijosar-1126	136	9	data	datum	NOUN
ijosar-1126	136	10	showing	show	VERB
ijosar-1126	136	11	sme	sme	ADJ
ijosar-1126	136	12	adoption	adoption	NOUN
ijosar-1126	136	13	rates	rate	NOUN
ijosar-1126	136	14	rise	rise	VERB
ijosar-1126	136	15	where	where	SCONJ
ijosar-1126	136	16	digital	digital	ADJ
ijosar-1126	136	17	literacy	literacy	NOUN
ijosar-1126	136	18	is	be	AUX
ijosar-1126	136	19	prioritized	prioritize	VERB
ijosar-1126	136	20	.	.	PUNCT
ijosar-1126	137	1	concluding	conclude	VERB
ijosar-1126	137	2	that	that	SCONJ
ijosar-1126	137	3	strategy	strategy	NOUN
ijosar-1126	137	4	frameworks	framework	NOUN
ijosar-1126	137	5	are	be	AUX
ijosar-1126	137	6	essential	essential	ADJ
ijosar-1126	137	7	for	for	ADP
ijosar-1126	137	8	broad	broad	ADJ
ijosar-1126	137	9	sme	sme	PROPN
ijosar-1126	137	10	fintech	fintech	NOUN
ijosar-1126	137	11	uptake	uptake	NOUN
ijosar-1126	137	12	,	,	PUNCT
ijosar-1126	137	13	the	the	DET
ijosar-1126	137	14	report	report	NOUN
ijosar-1126	137	15	supports	support	VERB
ijosar-1126	137	16	institutional	institutional	ADJ
ijosar-1126	137	17	backing	backing	NOUN
ijosar-1126	137	18	as	as	ADP
ijosar-1126	137	19	a	a	DET
ijosar-1126	137	20	catalyst	catalyst	NOUN
ijosar-1126	137	21	for	for	ADP
ijosar-1126	137	22	sme	sme	PROPN
ijosar-1126	137	23	growth	growth	PROPN
ijosar-1126	137	24	mobile	mobile	ADJ
ijosar-1126	137	25	money	money	NOUN
ijosar-1126	137	26	and	and	CCONJ
ijosar-1126	137	27	smes	sme	NOUN
ijosar-1126	137	28	growth	growth	NOUN
ijosar-1126	137	29	in	in	ADP
ijosar-1126	137	30	a	a	DET
ijosar-1126	137	31	recent	recent	ADJ
ijosar-1126	137	32	mixed	mixed	ADJ
ijosar-1126	137	33	-	-	PUNCT
ijosar-1126	137	34	methods	method	NOUN
ijosar-1126	137	35	study	study	NOUN
ijosar-1126	137	36	titled	title	VERB
ijosar-1126	137	37	mobile	mobile	ADJ
ijosar-1126	137	38	money	money	NOUN
ijosar-1126	137	39	and	and	CCONJ
ijosar-1126	137	40	sme	sme	NOUN
ijosar-1126	137	41	growth	growth	NOUN
ijosar-1126	137	42	:	:	PUNCT
ijosar-1126	137	43	a	a	DET
ijosar-1126	137	44	zambian	zambian	ADJ
ijosar-1126	137	45	perspective	perspective	NOUN
ijosar-1126	137	46	,	,	PUNCT
ijosar-1126	137	47	sinkala	sinkala	NOUN
ijosar-1126	137	48	(	(	PUNCT
ijosar-1126	137	49	2023	2023	NUM
ijosar-1126	137	50	)	)	PUNCT
ijosar-1126	137	51	surveyed	survey	VERB
ijosar-1126	137	52	150	150	NUM
ijosar-1126	137	53	smes	sme	NOUN
ijosar-1126	137	54	in	in	ADP
ijosar-1126	137	55	lusaka	lusaka	PROPN
ijosar-1126	137	56	,	,	PUNCT
ijosar-1126	137	57	exploring	explore	VERB
ijosar-1126	137	58	how	how	SCONJ
ijosar-1126	137	59	mobile	mobile	ADJ
ijosar-1126	137	60	money	money	NOUN
ijosar-1126	137	61	adoption	adoption	NOUN
ijosar-1126	137	62	affects	affect	VERB
ijosar-1126	137	63	transactional	transactional	ADJ
ijosar-1126	137	64	efficiency	efficiency	NOUN
ijosar-1126	137	65	,	,	PUNCT
ijosar-1126	137	66	cost	cost	NOUN
ijosar-1126	137	67	reduction	reduction	NOUN
ijosar-1126	137	68	,	,	PUNCT
ijosar-1126	137	69	market	market	NOUN
ijosar-1126	137	70	access	access	NOUN
ijosar-1126	137	71	,	,	PUNCT
ijosar-1126	137	72	and	and	CCONJ
ijosar-1126	137	73	financial	financial	ADJ
ijosar-1126	137	74	management	management	NOUN
ijosar-1126	137	75	.	.	PUNCT
ijosar-1126	138	1	using	use	VERB
ijosar-1126	138	2	both	both	DET
ijosar-1126	138	3	qualitative	qualitative	ADJ
ijosar-1126	138	4	interviews	interview	NOUN
ijosar-1126	138	5	and	and	CCONJ
ijosar-1126	138	6	quantitative	quantitative	ADJ
ijosar-1126	138	7	surveys	survey	NOUN
ijosar-1126	138	8	,	,	PUNCT
ijosar-1126	138	9	ijo	ijo	PROPN
ijosar-1126	138	10	journals	journal	NOUN
ijosar-1126	138	11	volume	volume	NOUN
ijosar-1126	138	12	08	08	NUM
ijosar-1126	139	1	|	|	ADV
ijosar-1126	139	2	issue	issue	NOUN
ijosar-1126	139	3	08	08	NUM
ijosar-1126	140	1	|	|	ADV
ijosar-1126	140	2	august	august	PROPN
ijosar-1126	140	3	2025	2025	NUM
ijosar-1126	140	4	|	|	ADV
ijosar-1126	140	5	https://ijojournals.com/index.php/ssh/index	https://ijojournals.com/index.php/ssh/index	NOUN
ijosar-1126	140	6	90	90	NUM
ijosar-1126	140	7	ijointernational	ijointernational	ADJ
ijosar-1126	140	8	journal	journal	NOUN
ijosar-1126	140	9	of	of	ADP
ijosar-1126	140	10	social	social	ADJ
ijosar-1126	140	11	science	science	NOUN
ijosar-1126	140	12	and	and	CCONJ
ijosar-1126	140	13	humanities	humanity	NOUN
ijosar-1126	140	14	research	research	NOUN
ijosar-1126	140	15	(	(	PUNCT
ijosar-1126	140	16	issn	issn	PROPN
ijosar-1126	140	17	2811	2811	NUM
ijosar-1126	140	18	-	-	SYM
ijosar-1126	140	19	2466	2466	NUM
ijosar-1126	140	20	)	)	PUNCT
ijosar-1126	140	21	obiora	obiora	PROPN
ijosar-1126	140	22	peters	peters	PROPN
ijosar-1126	140	23	,	,	PUNCT
ijosar-1126	140	24	emeka	emeka	VERB
ijosar-1126	140	25	phd1	phd1	PROPN
ijosar-1126	140	26	*	*	PUNCT
ijosar-1126	140	27	https://ijojournals.com/	https://ijojournals.com/	PROPN
ijosar-1126	140	28	volume	volume	NOUN
ijosar-1126	140	29	08	08	NUM
ijosar-1126	141	1	||	||	PROPN
ijosar-1126	141	2	issue	issue	NOUN
ijosar-1126	141	3	08	08	NUM
ijosar-1126	141	4	||	||	NOUN
ijosar-1126	141	5	august	august	PROPN
ijosar-1126	141	6	,	,	PUNCT
ijosar-1126	141	7	2025	2025	NUM
ijosar-1126	141	8	||	||	PUNCT
ijosar-1126	142	1	“	"	PUNCT
ijosar-1126	142	2	the	the	DET
ijosar-1126	142	3	impact	impact	NOUN
ijosar-1126	142	4	of	of	ADP
ijosar-1126	142	5	financial	financial	ADJ
ijosar-1126	142	6	technology	technology	NOUN
ijosar-1126	142	7	on	on	ADP
ijosar-1126	142	8	the	the	DET
ijosar-1126	142	9	growth	growth	NOUN
ijosar-1126	142	10	of	of	ADP
ijosar-1126	142	11	smes	sme	NOUN
ijosar-1126	142	12	in	in	ADP
ijosar-1126	142	13	rwanda	rwanda	PROPN
ijosar-1126	142	14	(	(	PUNCT
ijosar-1126	142	15	2020	2020	NUM
ijosar-1126	142	16	-	-	SYM
ijosar-1126	142	17	2024	2024	NUM
ijosar-1126	142	18	)	)	PUNCT
ijosar-1126	142	19	"	"	PUNCT
ijosar-1126	142	20	sinkala	sinkala	PROPN
ijosar-1126	142	21	identified	identify	VERB
ijosar-1126	142	22	a	a	DET
ijosar-1126	142	23	significant	significant	ADJ
ijosar-1126	142	24	positive	positive	ADJ
ijosar-1126	142	25	correlation	correlation	NOUN
ijosar-1126	142	26	:	:	PUNCT
ijosar-1126	142	27	smes	sme	NOUN
ijosar-1126	142	28	using	use	VERB
ijosar-1126	142	29	mobile	mobile	ADJ
ijosar-1126	142	30	money	money	NOUN
ijosar-1126	142	31	reported	report	VERB
ijosar-1126	142	32	higher	high	ADJ
ijosar-1126	142	33	operational	operational	ADJ
ijosar-1126	142	34	efficiency	efficiency	NOUN
ijosar-1126	142	35	,	,	PUNCT
ijosar-1126	142	36	broader	broad	ADJ
ijosar-1126	142	37	customer	customer	NOUN
ijosar-1126	142	38	reach	reach	VERB
ijosar-1126	142	39	,	,	PUNCT
ijosar-1126	142	40	and	and	CCONJ
ijosar-1126	142	41	better	well	ADJ
ijosar-1126	142	42	financial	financial	ADJ
ijosar-1126	142	43	controls	control	NOUN
ijosar-1126	142	44	,	,	PUNCT
ijosar-1126	142	45	reinforcing	reinforce	VERB
ijosar-1126	142	46	the	the	DET
ijosar-1126	142	47	technology	technology	NOUN
ijosar-1126	142	48	's	's	PART
ijosar-1126	142	49	transformative	transformative	ADJ
ijosar-1126	142	50	role	role	NOUN
ijosar-1126	142	51	in	in	ADP
ijosar-1126	142	52	emerging	emerge	VERB
ijosar-1126	142	53	economies	economy	NOUN
ijosar-1126	142	54	complementing	complement	VERB
ijosar-1126	142	55	these	these	DET
ijosar-1126	142	56	findings	finding	NOUN
ijosar-1126	142	57	,	,	PUNCT
ijosar-1126	142	58	kimathi	kimathi	PROPN
ijosar-1126	142	59	,	,	PUNCT
ijosar-1126	142	60	mwangi	mwangi	PROPN
ijosar-1126	142	61	,	,	PUNCT
ijosar-1126	142	62	and	and	CCONJ
ijosar-1126	142	63	mutiso	mutiso	NOUN
ijosar-1126	142	64	(	(	PUNCT
ijosar-1126	142	65	2025	2025	NUM
ijosar-1126	142	66	)	)	PUNCT
ijosar-1126	142	67	,	,	PUNCT
ijosar-1126	142	68	in	in	ADP
ijosar-1126	142	69	their	their	PRON
ijosar-1126	142	70	study	study	NOUN
ijosar-1126	142	71	effect	effect	NOUN
ijosar-1126	142	72	of	of	ADP
ijosar-1126	142	73	mobile	mobile	ADJ
ijosar-1126	142	74	payments	payment	NOUN
ijosar-1126	142	75	on	on	ADP
ijosar-1126	142	76	the	the	DET
ijosar-1126	142	77	financial	financial	ADJ
ijosar-1126	142	78	performance	performance	NOUN
ijosar-1126	142	79	of	of	ADP
ijosar-1126	142	80	smes	sme	NOUN
ijosar-1126	142	81	in	in	ADP
ijosar-1126	142	82	kirinyaga	kirinyaga	PROPN
ijosar-1126	142	83	county	county	PROPN
ijosar-1126	142	84	,	,	PUNCT
ijosar-1126	142	85	analyzed	analyze	VERB
ijosar-1126	142	86	160	160	NUM
ijosar-1126	142	87	sme	sme	NOUN
ijosar-1126	142	88	owners	owner	NOUN
ijosar-1126	142	89	in	in	ADP
ijosar-1126	142	90	kenya	kenya	NOUN
ijosar-1126	142	91	using	use	VERB
ijosar-1126	142	92	structured	structured	ADJ
ijosar-1126	142	93	questionnaires	questionnaire	NOUN
ijosar-1126	142	94	and	and	CCONJ
ijosar-1126	142	95	spss	spss	NOUN
ijosar-1126	142	96	-	-	PUNCT
ijosar-1126	142	97	based	base	VERB
ijosar-1126	142	98	pearson	pearson	NOUN
ijosar-1126	142	99	correlation	correlation	NOUN
ijosar-1126	142	100	.	.	PUNCT
ijosar-1126	143	1	their	their	PRON
ijosar-1126	143	2	results	result	NOUN
ijosar-1126	143	3	indicated	indicate	VERB
ijosar-1126	143	4	that	that	SCONJ
ijosar-1126	143	5	mobile	mobile	ADJ
ijosar-1126	143	6	payments	payment	NOUN
ijosar-1126	143	7	significantly	significantly	ADV
ijosar-1126	143	8	improved	improve	VERB
ijosar-1126	143	9	liquidity	liquidity	NOUN
ijosar-1126	143	10	management	management	NOUN
ijosar-1126	143	11	,	,	PUNCT
ijosar-1126	143	12	reduced	reduce	VERB
ijosar-1126	143	13	operational	operational	ADJ
ijosar-1126	143	14	costs	cost	NOUN
ijosar-1126	143	15	,	,	PUNCT
ijosar-1126	143	16	and	and	CCONJ
ijosar-1126	143	17	enhanced	enhance	VERB
ijosar-1126	143	18	cash	cash	NOUN
ijosar-1126	143	19	flow	flow	NOUN
ijosar-1126	143	20	,	,	PUNCT
ijosar-1126	143	21	demonstrating	demonstrate	VERB
ijosar-1126	143	22	a	a	DET
ijosar-1126	143	23	clear	clear	ADJ
ijosar-1126	143	24	positive	positive	ADJ
ijosar-1126	143	25	effect	effect	NOUN
ijosar-1126	143	26	on	on	ADP
ijosar-1126	143	27	sme	sme	ADJ
ijosar-1126	143	28	financial	financial	ADJ
ijosar-1126	143	29	performance	performance	NOUN
ijosar-1126	143	30	additionally	additionally	ADV
ijosar-1126	143	31	,	,	PUNCT
ijosar-1126	143	32	cross	cross	ADJ
ijosar-1126	143	33	-	-	ADJ
ijosar-1126	143	34	country	country	ADJ
ijosar-1126	143	35	data	datum	NOUN
ijosar-1126	143	36	analysis	analysis	NOUN
ijosar-1126	143	37	by	by	ADP
ijosar-1126	143	38	beck	beck	PROPN
ijosar-1126	143	39	et	et	PROPN
ijosar-1126	143	40	al	al	PROPN
ijosar-1126	143	41	.	.	PROPN
ijosar-1126	144	1	(	(	PUNCT
ijosar-1126	144	2	2022	2022	NUM
ijosar-1126	144	3	)	)	PUNCT
ijosar-1126	144	4	in	in	ADP
ijosar-1126	144	5	small	small	ADJ
ijosar-1126	144	6	versus	versus	ADP
ijosar-1126	144	7	large	large	ADJ
ijosar-1126	144	8	firms	firm	NOUN
ijosar-1126	144	9	:	:	PUNCT
ijosar-1126	144	10	mobile	mobile	ADJ
ijosar-1126	144	11	money	money	NOUN
ijosar-1126	144	12	,	,	PUNCT
ijosar-1126	144	13	traditional	traditional	ADJ
ijosar-1126	144	14	financial	financial	ADJ
ijosar-1126	144	15	services	service	NOUN
ijosar-1126	144	16	and	and	CCONJ
ijosar-1126	144	17	firm	firm	ADJ
ijosar-1126	144	18	productivity	productivity	NOUN
ijosar-1126	144	19	in	in	ADP
ijosar-1126	144	20	africa	africa	PROPN
ijosar-1126	144	21	examined	examine	VERB
ijosar-1126	144	22	firm	firm	ADJ
ijosar-1126	144	23	-	-	PUNCT
ijosar-1126	144	24	level	level	NOUN
ijosar-1126	144	25	productivity	productivity	NOUN
ijosar-1126	144	26	across	across	ADP
ijosar-1126	144	27	multiple	multiple	ADJ
ijosar-1126	144	28	african	african	ADJ
ijosar-1126	144	29	nations	nation	NOUN
ijosar-1126	144	30	.	.	PUNCT
ijosar-1126	145	1	using	use	VERB
ijosar-1126	145	2	productivity	productivity	NOUN
ijosar-1126	145	3	regressions	regression	NOUN
ijosar-1126	145	4	with	with	ADP
ijosar-1126	145	5	interaction	interaction	NOUN
ijosar-1126	145	6	terms	term	NOUN
ijosar-1126	145	7	for	for	ADP
ijosar-1126	145	8	mobile	mobile	ADJ
ijosar-1126	145	9	money	money	NOUN
ijosar-1126	145	10	and	and	CCONJ
ijosar-1126	145	11	bankcapital	bankcapital	NOUN
ijosar-1126	145	12	,	,	PUNCT
ijosar-1126	145	13	their	their	PRON
ijosar-1126	145	14	quantitative	quantitative	ADJ
ijosar-1126	145	15	results	result	NOUN
ijosar-1126	145	16	revealed	reveal	VERB
ijosar-1126	145	17	that	that	SCONJ
ijosar-1126	145	18	smes	sme	NOUN
ijosar-1126	145	19	using	use	VERB
ijosar-1126	145	20	both	both	CCONJ
ijosar-1126	145	21	mobile	mobile	ADJ
ijosar-1126	145	22	money	money	NOUN
ijosar-1126	145	23	and	and	CCONJ
ijosar-1126	145	24	bank	bank	NOUN
ijosar-1126	145	25	capital	capital	NOUN
ijosar-1126	145	26	had	have	VERB
ijosar-1126	145	27	significantly	significantly	ADV
ijosar-1126	145	28	higher	high	ADJ
ijosar-1126	145	29	labor	labor	NOUN
ijosar-1126	145	30	productivity	productivity	NOUN
ijosar-1126	145	31	than	than	ADP
ijosar-1126	145	32	peers	peer	NOUN
ijosar-1126	145	33	without	without	ADP
ijosar-1126	145	34	mobile	mobile	ADJ
ijosar-1126	145	35	payments	payment	NOUN
ijosar-1126	145	36	.	.	PUNCT
ijosar-1126	146	1	notably	notably	ADV
ijosar-1126	146	2	,	,	PUNCT
ijosar-1126	146	3	this	this	DET
ijosar-1126	146	4	productivity	productivity	NOUN
ijosar-1126	146	5	boost	boost	NOUN
ijosar-1126	146	6	was	be	AUX
ijosar-1126	146	7	absent	absent	ADJ
ijosar-1126	146	8	among	among	ADP
ijosar-1126	146	9	large	large	ADJ
ijosar-1126	146	10	firms	firm	NOUN
ijosar-1126	146	11	,	,	PUNCT
ijosar-1126	146	12	highlighting	highlight	VERB
ijosar-1126	146	13	the	the	DET
ijosar-1126	146	14	unique	unique	ADJ
ijosar-1126	146	15	impact	impact	NOUN
ijosar-1126	146	16	of	of	ADP
ijosar-1126	146	17	mobile	mobile	ADJ
ijosar-1126	146	18	money	money	NOUN
ijosar-1126	146	19	on	on	ADP
ijosar-1126	146	20	smaller	small	ADJ
ijosar-1126	146	21	enterprises	enterprise	NOUN
ijosar-1126	146	22	.	.	PUNCT
ijosar-1126	147	1	digital	digital	ADJ
ijosar-1126	147	2	credit	credit	NOUN
ijosar-1126	147	3	platforms	platform	NOUN
ijosar-1126	147	4	and	and	CCONJ
ijosar-1126	147	5	sme	sme	NOUN
ijosar-1126	147	6	growth	growth	NOUN
ijosar-1126	147	7	in	in	ADP
ijosar-1126	147	8	kenya	kenya	PROPN
ijosar-1126	147	9	’s	’s	PART
ijosar-1126	147	10	economy	economy	NOUN
ijosar-1126	147	11	,	,	PUNCT
ijosar-1126	147	12	muthoni	muthoni	NOUN
ijosar-1126	147	13	(	(	PUNCT
ijosar-1126	147	14	2024	2024	NUM
ijosar-1126	147	15	)	)	PUNCT
ijosar-1126	147	16	revealed	reveal	VERB
ijosar-1126	147	17	in	in	ADP
ijosar-1126	147	18	the	the	DET
ijosar-1126	147	19	role	role	NOUN
ijosar-1126	147	20	of	of	ADP
ijosar-1126	147	21	digital	digital	ADJ
ijosar-1126	147	22	credit	credit	NOUN
ijosar-1126	147	23	in	in	ADP
ijosar-1126	147	24	kenya	kenya	PROPN
ijosar-1126	147	25	’s	’s	PART
ijosar-1126	147	26	growth	growth	NOUN
ijosar-1126	147	27	”	"	PUNCT
ijosar-1126	147	28	that	that	SCONJ
ijosar-1126	147	29	87	87	NUM
ijosar-1126	147	30	%	%	NOUN
ijosar-1126	147	31	of	of	ADP
ijosar-1126	147	32	digital	digital	ADJ
ijosar-1126	147	33	credit	credit	NOUN
ijosar-1126	147	34	borrowers	borrower	NOUN
ijosar-1126	147	35	were	be	AUX
ijosar-1126	147	36	sme	sme	NOUN
ijosar-1126	147	37	owners	owner	NOUN
ijosar-1126	147	38	,	,	PUNCT
ijosar-1126	147	39	using	use	VERB
ijosar-1126	147	40	funds	fund	NOUN
ijosar-1126	147	41	to	to	PART
ijosar-1126	147	42	support	support	VERB
ijosar-1126	147	43	working	work	VERB
ijosar-1126	147	44	capital	capital	NOUN
ijosar-1126	147	45	and	and	CCONJ
ijosar-1126	147	46	investment	investment	NOUN
ijosar-1126	147	47	in	in	ADP
ijosar-1126	147	48	equipment	equipment	NOUN
ijosar-1126	147	49	.	.	PUNCT
ijosar-1126	148	1	the	the	DET
ijosar-1126	148	2	study	study	NOUN
ijosar-1126	148	3	employed	employ	VERB
ijosar-1126	148	4	nationallevel	nationallevel	NOUN
ijosar-1126	148	5	digital	digital	ADJ
ijosar-1126	148	6	credit	credit	NOUN
ijosar-1126	148	7	flow	flow	NOUN
ijosar-1126	148	8	data	datum	NOUN
ijosar-1126	148	9	paired	pair	VERB
ijosar-1126	148	10	with	with	ADP
ijosar-1126	148	11	sme	sme	NOUN
ijosar-1126	148	12	performance	performance	NOUN
ijosar-1126	148	13	indicators	indicator	NOUN
ijosar-1126	148	14	and	and	CCONJ
ijosar-1126	148	15	found	find	VERB
ijosar-1126	148	16	a	a	DET
ijosar-1126	148	17	25	25	NUM
ijosar-1126	148	18	%	%	NOUN
ijosar-1126	148	19	increase	increase	NOUN
ijosar-1126	148	20	in	in	ADP
ijosar-1126	148	21	agricultural	agricultural	ADJ
ijosar-1126	148	22	income	income	NOUN
ijosar-1126	148	23	and	and	CCONJ
ijosar-1126	148	24	projected	project	VERB
ijosar-1126	148	25	up	up	ADP
ijosar-1126	148	26	to	to	ADP
ijosar-1126	148	27	a	a	DET
ijosar-1126	148	28	2	2	NUM
ijosar-1126	148	29	%	%	NOUN
ijosar-1126	148	30	contribution	contribution	NOUN
ijosar-1126	148	31	to	to	ADP
ijosar-1126	148	32	gdp	gdp	NOUN
ijosar-1126	148	33	growth	growth	NOUN
ijosar-1126	148	34	by	by	ADP
ijosar-1126	148	35	2025	2025	NUM
ijosar-1126	148	36	,	,	PUNCT
ijosar-1126	148	37	demonstrating	demonstrate	VERB
ijosar-1126	148	38	the	the	DET
ijosar-1126	148	39	transformative	transformative	ADJ
ijosar-1126	148	40	role	role	NOUN
ijosar-1126	148	41	of	of	ADP
ijosar-1126	148	42	mobile	mobile	ADJ
ijosar-1126	148	43	lending	lending	NOUN
ijosar-1126	148	44	on	on	ADP
ijosar-1126	148	45	sme	sme	NOUN
ijosar-1126	148	46	expansion	expansion	NOUN
ijosar-1126	148	47	.	.	PUNCT
ijosar-1126	149	1	a	a	DET
ijosar-1126	149	2	rigorous	rigorous	ADJ
ijosar-1126	149	3	randomized	randomized	ADJ
ijosar-1126	149	4	controlled	control	VERB
ijosar-1126	149	5	trial	trial	NOUN
ijosar-1126	149	6	by	by	ADP
ijosar-1126	149	7	björkegren	björkegren	PROPN
ijosar-1126	149	8	et	et	PROPN
ijosar-1126	149	9	 	 	SPACE
ijosar-1126	149	10	al	al	PROPN
ijosar-1126	149	11	.	.	PROPN
ijosar-1126	149	12	(	(	PUNCT
ijosar-1126	149	13	2022	2022	NUM
ijosar-1126	149	14	)	)	PUNCT
ijosar-1126	149	15	in	in	ADP
ijosar-1126	149	16	nigeria	nigeria	PROPN
ijosar-1126	149	17	titled	title	VERB
ijosar-1126	149	18	“	"	PUNCT
ijosar-1126	149	19	instant	instant	ADJ
ijosar-1126	149	20	loans	loan	NOUN
ijosar-1126	149	21	can	can	AUX
ijosar-1126	149	22	lift	lift	VERB
ijosar-1126	149	23	subjective	subjective	ADJ
ijosar-1126	149	24	well	well	ADV
ijosar-1126	149	25	being	be	AUX
ijosar-1126	149	26	”	"	PUNCT
ijosar-1126	149	27	examined	examine	VERB
ijosar-1126	149	28	short	short	ADJ
ijosar-1126	149	29	-	-	PUNCT
ijosar-1126	149	30	term	term	NOUN
ijosar-1126	149	31	digital	digital	ADJ
ijosar-1126	149	32	loans	loan	NOUN
ijosar-1126	149	33	delivered	deliver	VERB
ijosar-1126	149	34	via	via	ADP
ijosar-1126	149	35	mobile	mobile	ADJ
ijosar-1126	149	36	platforms	platform	NOUN
ijosar-1126	149	37	.	.	PUNCT
ijosar-1126	150	1	although	although	SCONJ
ijosar-1126	150	2	the	the	DET
ijosar-1126	150	3	loans	loan	NOUN
ijosar-1126	150	4	improved	improve	VERB
ijosar-1126	150	5	subjective	subjective	ADJ
ijosar-1126	150	6	well	well	ADV
ijosar-1126	150	7	-	-	PUNCT
ijosar-1126	150	8	being	being	NOUN
ijosar-1126	150	9	,	,	PUNCT
ijosar-1126	150	10	they	they	PRON
ijosar-1126	150	11	did	do	AUX
ijosar-1126	150	12	not	not	PART
ijosar-1126	150	13	significantly	significantly	ADV
ijosar-1126	150	14	raise	raise	VERB
ijosar-1126	150	15	income	income	NOUN
ijosar-1126	150	16	,	,	PUNCT
ijosar-1126	150	17	consumption	consumption	NOUN
ijosar-1126	150	18	,	,	PUNCT
ijosar-1126	150	19	or	or	CCONJ
ijosar-1126	150	20	business	business	NOUN
ijosar-1126	150	21	resilience	resilience	NOUN
ijosar-1126	150	22	after	after	ADP
ijosar-1126	150	23	three	three	NUM
ijosar-1126	150	24	months	month	NOUN
ijosar-1126	150	25	,	,	PUNCT
ijosar-1126	150	26	signaling	signal	VERB
ijosar-1126	150	27	that	that	SCONJ
ijosar-1126	150	28	while	while	SCONJ
ijosar-1126	150	29	useful	useful	ADJ
ijosar-1126	150	30	,	,	PUNCT
ijosar-1126	150	31	digital	digital	ADJ
ijosar-1126	150	32	credit	credit	NOUN
ijosar-1126	150	33	may	may	AUX
ijosar-1126	150	34	not	not	PART
ijosar-1126	150	35	directly	directly	ADV
ijosar-1126	150	36	lead	lead	VERB
ijosar-1126	150	37	to	to	ADP
ijosar-1126	150	38	measurable	measurable	ADJ
ijosar-1126	150	39	sme	sme	NOUN
ijosar-1126	150	40	performance	performance	NOUN
ijosar-1126	150	41	gains	gain	NOUN
ijosar-1126	150	42	.	.	PUNCT
ijosar-1126	151	1	ijo	ijo	PROPN
ijosar-1126	151	2	journals	journal	NOUN
ijosar-1126	151	3	volume	volume	NOUN
ijosar-1126	151	4	08	08	NUM
ijosar-1126	152	1	|	|	ADV
ijosar-1126	152	2	issue	issue	NOUN
ijosar-1126	152	3	08	08	NUM
ijosar-1126	153	1	|	|	ADV
ijosar-1126	153	2	august	august	PROPN
ijosar-1126	153	3	2025	2025	NUM
ijosar-1126	154	1	|	|	ADV
ijosar-1126	154	2	https://ijojournals.com/index.php/ssh/index	https://ijojournals.com/index.php/ssh/index	NOUN
ijosar-1126	154	3	91	91	NUM
ijosar-1126	154	4	ijointernational	ijointernational	ADJ
ijosar-1126	154	5	journal	journal	NOUN
ijosar-1126	154	6	of	of	ADP
ijosar-1126	154	7	social	social	ADJ
ijosar-1126	154	8	science	science	NOUN
ijosar-1126	154	9	and	and	CCONJ
ijosar-1126	154	10	humanities	humanity	NOUN
ijosar-1126	154	11	research	research	NOUN
ijosar-1126	154	12	(	(	PUNCT
ijosar-1126	154	13	issn	issn	PROPN
ijosar-1126	154	14	2811	2811	NUM
ijosar-1126	154	15	-	-	SYM
ijosar-1126	154	16	2466	2466	NUM
ijosar-1126	154	17	)	)	PUNCT
ijosar-1126	154	18	obiora	obiora	PROPN
ijosar-1126	154	19	peters	peters	PROPN
ijosar-1126	154	20	,	,	PUNCT
ijosar-1126	154	21	emeka	emeka	VERB
ijosar-1126	154	22	phd1	phd1	PROPN
ijosar-1126	154	23	*	*	PUNCT
ijosar-1126	154	24	https://ijojournals.com/	https://ijojournals.com/	PROPN
ijosar-1126	154	25	volume	volume	NOUN
ijosar-1126	154	26	08	08	NUM
ijosar-1126	155	1	||	||	PROPN
ijosar-1126	155	2	issue	issue	NOUN
ijosar-1126	155	3	08	08	NUM
ijosar-1126	155	4	||	||	NOUN
ijosar-1126	155	5	august	august	PROPN
ijosar-1126	155	6	,	,	PUNCT
ijosar-1126	155	7	2025	2025	NUM
ijosar-1126	155	8	||	||	PUNCT
ijosar-1126	156	1	“	"	PUNCT
ijosar-1126	156	2	the	the	DET
ijosar-1126	156	3	impact	impact	NOUN
ijosar-1126	156	4	of	of	ADP
ijosar-1126	156	5	financial	financial	ADJ
ijosar-1126	156	6	technology	technology	NOUN
ijosar-1126	156	7	on	on	ADP
ijosar-1126	156	8	the	the	DET
ijosar-1126	156	9	growth	growth	NOUN
ijosar-1126	156	10	of	of	ADP
ijosar-1126	156	11	smes	sme	NOUN
ijosar-1126	156	12	in	in	ADP
ijosar-1126	156	13	rwanda	rwanda	PROPN
ijosar-1126	156	14	(	(	PUNCT
ijosar-1126	156	15	2020	2020	NUM
ijosar-1126	156	16	-	-	SYM
ijosar-1126	156	17	2024	2024	NUM
ijosar-1126	156	18	)	)	PUNCT
ijosar-1126	156	19	"	"	PUNCT
ijosar-1126	156	20	in	in	ADP
ijosar-1126	156	21	nairobi	nairobi	PROPN
ijosar-1126	156	22	,	,	PUNCT
ijosar-1126	156	23	okiro	okiro	NOUN
ijosar-1126	156	24	(	(	PUNCT
ijosar-1126	156	25	2016	2016	NUM
ijosar-1126	156	26	)	)	PUNCT
ijosar-1126	156	27	investigated	investigate	VERB
ijosar-1126	156	28	digital	digital	ADJ
ijosar-1126	156	29	credit	credit	NOUN
ijosar-1126	156	30	's	's	PART
ijosar-1126	156	31	effect	effect	NOUN
ijosar-1126	156	32	on	on	ADP
ijosar-1126	156	33	kenyan	kenyan	ADJ
ijosar-1126	156	34	smes	sme	NOUN
ijosar-1126	156	35	using	use	VERB
ijosar-1126	156	36	231	231	NUM
ijosar-1126	156	37	smes	sme	NOUN
ijosar-1126	156	38	surveyed	survey	VERB
ijosar-1126	156	39	,	,	PUNCT
ijosar-1126	156	40	focusing	focus	VERB
ijosar-1126	156	41	on	on	ADP
ijosar-1126	156	42	turnover	turnover	NOUN
ijosar-1126	156	43	and	and	CCONJ
ijosar-1126	156	44	cash	cash	NOUN
ijosar-1126	156	45	flow	flow	NOUN
ijosar-1126	156	46	.	.	PUNCT
ijosar-1126	157	1	the	the	DET
ijosar-1126	157	2	study	study	NOUN
ijosar-1126	157	3	applied	apply	VERB
ijosar-1126	157	4	descriptive	descriptive	ADJ
ijosar-1126	157	5	and	and	CCONJ
ijosar-1126	157	6	correlation	correlation	NOUN
ijosar-1126	157	7	analysis	analysis	NOUN
ijosar-1126	157	8	,	,	PUNCT
ijosar-1126	157	9	discovering	discover	VERB
ijosar-1126	157	10	a	a	DET
ijosar-1126	157	11	weak	weak	ADJ
ijosar-1126	157	12	but	but	CCONJ
ijosar-1126	157	13	statistically	statistically	ADV
ijosar-1126	157	14	significant	significant	ADJ
ijosar-1126	157	15	relationship	relationship	NOUN
ijosar-1126	157	16	with	with	ADP
ijosar-1126	157	17	turnover	turnover	NOUN
ijosar-1126	157	18	,	,	PUNCT
ijosar-1126	157	19	yet	yet	CCONJ
ijosar-1126	157	20	a	a	DET
ijosar-1126	157	21	strong	strong	ADJ
ijosar-1126	157	22	positive	positive	ADJ
ijosar-1126	157	23	link	link	NOUN
ijosar-1126	157	24	with	with	ADP
ijosar-1126	157	25	cash	cash	NOUN
ijosar-1126	157	26	flow	flow	NOUN
ijosar-1126	157	27	,	,	PUNCT
ijosar-1126	157	28	highlighting	highlight	VERB
ijosar-1126	157	29	that	that	SCONJ
ijosar-1126	157	30	digital	digital	ADJ
ijosar-1126	157	31	loans	loan	NOUN
ijosar-1126	157	32	enhance	enhance	VERB
ijosar-1126	157	33	liquidity	liquidity	NOUN
ijosar-1126	157	34	,	,	PUNCT
ijosar-1126	157	35	even	even	ADV
ijosar-1126	157	36	if	if	SCONJ
ijosar-1126	157	37	turnover	turnover	NOUN
ijosar-1126	157	38	gains	gain	NOUN
ijosar-1126	157	39	are	be	AUX
ijosar-1126	157	40	modest	modest	ADJ
ijosar-1126	157	41	.	.	PUNCT
ijosar-1126	158	1	expanding	expand	VERB
ijosar-1126	158	2	the	the	DET
ijosar-1126	158	3	scope	scope	NOUN
ijosar-1126	158	4	across	across	ADP
ijosar-1126	158	5	africa	africa	PROPN
ijosar-1126	158	6	,	,	PUNCT
ijosar-1126	158	7	sanga	sanga	PROPN
ijosar-1126	158	8	and	and	CCONJ
ijosar-1126	158	9	aziakpono	aziakpono	PROPN
ijosar-1126	158	10	(	(	PUNCT
ijosar-1126	158	11	2025	2025	NUM
ijosar-1126	158	12	)	)	PUNCT
ijosar-1126	158	13	analyzed	analyze	VERB
ijosar-1126	158	14	digital	digital	ADJ
ijosar-1126	158	15	credit	credit	NOUN
ijosar-1126	158	16	's	's	PART
ijosar-1126	158	17	influence	influence	NOUN
ijosar-1126	158	18	on	on	ADP
ijosar-1126	158	19	sme	sme	ADJ
ijosar-1126	158	20	growth	growth	NOUN
ijosar-1126	158	21	in	in	ADP
ijosar-1126	158	22	47	47	NUM
ijosar-1126	158	23	african	african	ADJ
ijosar-1126	158	24	countries	country	NOUN
ijosar-1126	158	25	using	use	VERB
ijosar-1126	158	26	quantile	quantile	ADJ
ijosar-1126	158	27	regression	regression	NOUN
ijosar-1126	158	28	.	.	PUNCT
ijosar-1126	159	1	their	their	PRON
ijosar-1126	159	2	study	study	NOUN
ijosar-1126	159	3	found	find	VERB
ijosar-1126	159	4	heterogeneous	heterogeneous	ADJ
ijosar-1126	159	5	effects	effect	NOUN
ijosar-1126	159	6	:	:	PUNCT
ijosar-1126	159	7	digital	digital	ADJ
ijosar-1126	159	8	finance	finance	NOUN
ijosar-1126	159	9	—	—	PUNCT
ijosar-1126	159	10	including	include	VERB
ijosar-1126	159	11	credit	credit	NOUN
ijosar-1126	159	12	—	—	PUNCT
ijosar-1126	159	13	substantially	substantially	ADV
ijosar-1126	159	14	benefited	benefit	VERB
ijosar-1126	159	15	smes	sme	NOUN
ijosar-1126	159	16	at	at	ADP
ijosar-1126	159	17	nascent	nascent	ADJ
ijosar-1126	159	18	and	and	CCONJ
ijosar-1126	159	19	transitional	transitional	ADJ
ijosar-1126	159	20	growth	growth	NOUN
ijosar-1126	159	21	stages	stage	NOUN
ijosar-1126	159	22	,	,	PUNCT
ijosar-1126	159	23	especially	especially	ADV
ijosar-1126	159	24	in	in	ADP
ijosar-1126	159	25	nations	nation	NOUN
ijosar-1126	159	26	with	with	ADP
ijosar-1126	159	27	stronger	strong	ADJ
ijosar-1126	159	28	institutional	institutional	ADJ
ijosar-1126	159	29	frameworks	framework	NOUN
ijosar-1126	159	30	finally	finally	ADV
ijosar-1126	159	31	,	,	PUNCT
ijosar-1126	159	32	while	while	SCONJ
ijosar-1126	159	33	not	not	PART
ijosar-1126	159	34	africa	africa	PROPN
ijosar-1126	159	35	-	-	PUNCT
ijosar-1126	159	36	specific	specific	PROPN
ijosar-1126	159	37	,	,	PUNCT
ijosar-1126	159	38	a	a	DET
ijosar-1126	159	39	global	global	ADJ
ijosar-1126	159	40	meta	meta	NOUN
ijosar-1126	159	41	-	-	PUNCT
ijosar-1126	159	42	analysis	analysis	NOUN
ijosar-1126	159	43	by	by	ADP
ijosar-1126	159	44	fatmawati	fatmawati	NOUN
ijosar-1126	159	45	and	and	CCONJ
ijosar-1126	159	46	azis	azis	NOUN
ijosar-1126	159	47	(	(	PUNCT
ijosar-1126	159	48	2024	2024	NUM
ijosar-1126	159	49	)	)	PUNCT
ijosar-1126	159	50	in	in	ADP
ijosar-1126	159	51	“	"	PUNCT
ijosar-1126	159	52	the	the	DET
ijosar-1126	159	53	impact	impact	NOUN
ijosar-1126	159	54	of	of	ADP
ijosar-1126	159	55	digital	digital	ADJ
ijosar-1126	159	56	payment	payment	NOUN
ijosar-1126	159	57	systems	system	NOUN
ijosar-1126	159	58	on	on	ADP
ijosar-1126	159	59	sme	sme	NOUN
ijosar-1126	159	60	growth	growth	NOUN
ijosar-1126	159	61	”	"	PUNCT
ijosar-1126	159	62	surveyed	survey	VERB
ijosar-1126	159	63	454	454	NUM
ijosar-1126	159	64	indian	indian	ADJ
ijosar-1126	159	65	msmes	msme	NOUN
ijosar-1126	159	66	using	use	VERB
ijosar-1126	159	67	regression	regression	NOUN
ijosar-1126	159	68	analysis	analysis	NOUN
ijosar-1126	159	69	.	.	PUNCT
ijosar-1126	160	1	they	they	PRON
ijosar-1126	160	2	concluded	conclude	VERB
ijosar-1126	160	3	that	that	SCONJ
ijosar-1126	160	4	digital	digital	ADJ
ijosar-1126	160	5	finance	finance	NOUN
ijosar-1126	160	6	systems	system	NOUN
ijosar-1126	160	7	significantly	significantly	ADV
ijosar-1126	160	8	improve	improve	VERB
ijosar-1126	160	9	payment	payment	NOUN
ijosar-1126	160	10	efficiency	efficiency	NOUN
ijosar-1126	160	11	,	,	PUNCT
ijosar-1126	160	12	customer	customer	NOUN
ijosar-1126	160	13	base	base	NOUN
ijosar-1126	160	14	,	,	PUNCT
ijosar-1126	160	15	sales	sale	NOUN
ijosar-1126	160	16	,	,	PUNCT
ijosar-1126	160	17	and	and	CCONJ
ijosar-1126	160	18	transaction	transaction	NOUN
ijosar-1126	160	19	security	security	NOUN
ijosar-1126	160	20	,	,	PUNCT
ijosar-1126	160	21	indirectly	indirectly	ADV
ijosar-1126	160	22	reinforcing	reinforce	VERB
ijosar-1126	160	23	the	the	DET
ijosar-1126	160	24	argument	argument	NOUN
ijosar-1126	160	25	that	that	SCONJ
ijosar-1126	160	26	access	access	NOUN
ijosar-1126	160	27	to	to	ADP
ijosar-1126	160	28	digital	digital	ADJ
ijosar-1126	160	29	credit	credit	NOUN
ijosar-1126	160	30	platforms	platform	NOUN
ijosar-1126	160	31	aids	aid	VERB
ijosar-1126	160	32	sme	sme	PROPN
ijosar-1126	160	33	expansion	expansion	NOUN
ijosar-1126	160	34	.	.	PUNCT
ijosar-1126	161	1	digital	digital	ADJ
ijosar-1126	161	2	wallets	wallet	NOUN
ijosar-1126	161	3	and	and	CCONJ
ijosar-1126	161	4	smes	sme	NOUN
ijosar-1126	161	5	growth	growth	VERB
ijosar-1126	161	6	a	a	DET
ijosar-1126	161	7	comprehensive	comprehensive	ADJ
ijosar-1126	161	8	cross	cross	ADJ
ijosar-1126	161	9	-	-	ADJ
ijosar-1126	161	10	country	country	ADJ
ijosar-1126	161	11	analysis	analysis	NOUN
ijosar-1126	161	12	conducted	conduct	VERB
ijosar-1126	161	13	by	by	ADP
ijosar-1126	161	14	chakraborty	chakraborty	PROPN
ijosar-1126	161	15	and	and	CCONJ
ijosar-1126	161	16	biswas	biswas	PROPN
ijosar-1126	161	17	(	(	PUNCT
ijosar-1126	161	18	2023	2023	NUM
ijosar-1126	161	19	)	)	PUNCT
ijosar-1126	161	20	in	in	ADP
ijosar-1126	161	21	their	their	PRON
ijosar-1126	161	22	study	study	NOUN
ijosar-1126	161	23	“	"	PUNCT
ijosar-1126	161	24	digital	digital	ADJ
ijosar-1126	161	25	wallet	wallet	NOUN
ijosar-1126	161	26	adoption	adoption	NOUN
ijosar-1126	161	27	and	and	CCONJ
ijosar-1126	161	28	sme	sme	PROPN
ijosar-1126	161	29	productivity	productivity	PROPN
ijosar-1126	161	30	”	"	PUNCT
ijosar-1126	161	31	investigated	investigate	VERB
ijosar-1126	161	32	10,000	10,000	NUM
ijosar-1126	161	33	smes	sme	NOUN
ijosar-1126	161	34	across	across	ADP
ijosar-1126	161	35	southeast	southeast	PROPN
ijosar-1126	161	36	asia	asia	PROPN
ijosar-1126	161	37	to	to	PART
ijosar-1126	161	38	measure	measure	VERB
ijosar-1126	161	39	the	the	DET
ijosar-1126	161	40	impact	impact	NOUN
ijosar-1126	161	41	of	of	ADP
ijosar-1126	161	42	digital	digital	ADJ
ijosar-1126	161	43	wallet	wallet	NOUN
ijosar-1126	161	44	usage	usage	NOUN
ijosar-1126	161	45	on	on	ADP
ijosar-1126	161	46	monthly	monthly	ADJ
ijosar-1126	161	47	revenue	revenue	NOUN
ijosar-1126	161	48	,	,	PUNCT
ijosar-1126	161	49	transaction	transaction	NOUN
ijosar-1126	161	50	volume	volume	NOUN
ijosar-1126	161	51	,	,	PUNCT
ijosar-1126	161	52	and	and	CCONJ
ijosar-1126	161	53	cost	cost	NOUN
ijosar-1126	161	54	efficiency	efficiency	NOUN
ijosar-1126	161	55	.	.	PUNCT
ijosar-1126	162	1	utilizing	utilize	VERB
ijosar-1126	162	2	panel	panel	NOUN
ijosar-1126	162	3	regression	regression	VERB
ijosar-1126	162	4	analysis	analysis	NOUN
ijosar-1126	162	5	to	to	PART
ijosar-1126	162	6	account	account	VERB
ijosar-1126	162	7	for	for	ADP
ijosar-1126	162	8	firm	firm	ADJ
ijosar-1126	162	9	size	size	NOUN
ijosar-1126	162	10	,	,	PUNCT
ijosar-1126	162	11	country	country	NOUN
ijosar-1126	162	12	,	,	PUNCT
ijosar-1126	162	13	and	and	CCONJ
ijosar-1126	162	14	sector	sector	NOUN
ijosar-1126	162	15	,	,	PUNCT
ijosar-1126	162	16	they	they	PRON
ijosar-1126	162	17	found	find	VERB
ijosar-1126	162	18	that	that	SCONJ
ijosar-1126	162	19	smes	sme	NOUN
ijosar-1126	162	20	using	use	VERB
ijosar-1126	162	21	digital	digital	ADJ
ijosar-1126	162	22	wallets	wallet	NOUN
ijosar-1126	162	23	experienced	experience	VERB
ijosar-1126	162	24	a	a	DET
ijosar-1126	162	25	12	12	NUM
ijosar-1126	162	26	%	%	NOUN
ijosar-1126	162	27	increase	increase	NOUN
ijosar-1126	162	28	in	in	ADP
ijosar-1126	162	29	monthly	monthly	ADJ
ijosar-1126	162	30	revenue	revenue	NOUN
ijosar-1126	162	31	and	and	CCONJ
ijosar-1126	162	32	15	15	NUM
ijosar-1126	162	33	%	%	NOUN
ijosar-1126	162	34	lower	low	ADJ
ijosar-1126	162	35	transaction	transaction	NOUN
ijosar-1126	162	36	costs	cost	NOUN
ijosar-1126	162	37	compared	compare	VERB
ijosar-1126	162	38	to	to	ADP
ijosar-1126	162	39	those	those	PRON
ijosar-1126	162	40	relying	rely	VERB
ijosar-1126	162	41	on	on	ADP
ijosar-1126	162	42	traditional	traditional	ADJ
ijosar-1126	162	43	payments	payment	NOUN
ijosar-1126	162	44	.	.	PUNCT
ijosar-1126	163	1	these	these	DET
ijosar-1126	163	2	findings	finding	NOUN
ijosar-1126	163	3	underscore	underscore	VERB
ijosar-1126	163	4	the	the	DET
ijosar-1126	163	5	role	role	NOUN
ijosar-1126	163	6	of	of	ADP
ijosar-1126	163	7	digital	digital	ADJ
ijosar-1126	163	8	wallets	wallet	NOUN
ijosar-1126	163	9	in	in	ADP
ijosar-1126	163	10	enhancing	enhance	VERB
ijosar-1126	163	11	operational	operational	ADJ
ijosar-1126	163	12	efficiency	efficiency	NOUN
ijosar-1126	163	13	and	and	CCONJ
ijosar-1126	163	14	broader	broad	ADJ
ijosar-1126	163	15	market	market	NOUN
ijosar-1126	163	16	reach	reach	NOUN
ijosar-1126	163	17	.	.	PUNCT
ijosar-1126	164	1	in	in	ADP
ijosar-1126	164	2	kenya	kenya	PROPN
ijosar-1126	164	3	,	,	PUNCT
ijosar-1126	164	4	mwangi	mwangi	PROPN
ijosar-1126	164	5	and	and	CCONJ
ijosar-1126	164	6	otieno	otieno	ADJ
ijosar-1126	164	7	(	(	PUNCT
ijosar-1126	164	8	2024	2024	NUM
ijosar-1126	164	9	)	)	PUNCT
ijosar-1126	164	10	focused	focus	VERB
ijosar-1126	164	11	on	on	ADP
ijosar-1126	164	12	“	"	PUNCT
ijosar-1126	164	13	m	m	NOUN
ijosar-1126	164	14	-	-	PROPN
ijosar-1126	164	15	pesa	pesa	NOUN
ijosar-1126	164	16	business	business	NOUN
ijosar-1126	164	17	wallet	wallet	NOUN
ijosar-1126	164	18	and	and	CCONJ
ijosar-1126	164	19	sme	sme	NOUN
ijosar-1126	164	20	formalization	formalization	NOUN
ijosar-1126	164	21	”	"	PUNCT
ijosar-1126	164	22	,	,	PUNCT
ijosar-1126	164	23	surveying	survey	VERB
ijosar-1126	164	24	250	250	NUM
ijosar-1126	164	25	smes	sme	NOUN
ijosar-1126	164	26	that	that	PRON
ijosar-1126	164	27	adopted	adopt	VERB
ijosar-1126	164	28	the	the	DET
ijosar-1126	164	29	m	m	PROPN
ijosar-1126	164	30	-	-	PROPN
ijosar-1126	164	31	pesa	pesa	PROPN
ijosar-1126	164	32	business	business	NOUN
ijosar-1126	164	33	wallet	wallet	NOUN
ijosar-1126	164	34	.	.	PUNCT
ijosar-1126	165	1	through	through	ADP
ijosar-1126	165	2	structured	structured	ADJ
ijosar-1126	165	3	questionnaires	questionnaire	NOUN
ijosar-1126	165	4	and	and	CCONJ
ijosar-1126	165	5	multi	multi	ADJ
ijosar-1126	165	6	-	-	ADJ
ijosar-1126	165	7	regression	regression	NOUN
ijosar-1126	165	8	models	model	NOUN
ijosar-1126	165	9	,	,	PUNCT
ijosar-1126	165	10	they	they	PRON
ijosar-1126	165	11	found	find	VERB
ijosar-1126	165	12	that	that	SCONJ
ijosar-1126	165	13	digital	digital	ADJ
ijosar-1126	165	14	wallet	wallet	NOUN
ijosar-1126	165	15	usage	usage	NOUN
ijosar-1126	165	16	led	lead	VERB
ijosar-1126	165	17	to	to	ADP
ijosar-1126	165	18	a	a	DET
ijosar-1126	165	19	19	19	NUM
ijosar-1126	165	20	%	%	NOUN
ijosar-1126	165	21	improvement	improvement	NOUN
ijosar-1126	165	22	in	in	ADP
ijosar-1126	165	23	formal	formal	ADJ
ijosar-1126	165	24	record	record	NOUN
ijosar-1126	165	25	-	-	PUNCT
ijosar-1126	165	26	keeping	keeping	NOUN
ijosar-1126	165	27	and	and	CCONJ
ijosar-1126	165	28	a	a	DET
ijosar-1126	165	29	22	22	NUM
ijosar-1126	165	30	%	%	NOUN
ijosar-1126	165	31	rise	rise	NOUN
ijosar-1126	165	32	in	in	ADP
ijosar-1126	165	33	bank	bank	NOUN
ijosar-1126	165	34	credit	credit	NOUN
ijosar-1126	165	35	access	access	NOUN
ijosar-1126	165	36	.	.	PUNCT
ijosar-1126	166	1	the	the	DET
ijosar-1126	166	2	researchers	researcher	NOUN
ijosar-1126	166	3	concluded	conclude	VERB
ijosar-1126	166	4	that	that	SCONJ
ijosar-1126	166	5	digital	digital	ADJ
ijosar-1126	166	6	wallets	wallet	NOUN
ijosar-1126	166	7	facilitate	facilitate	VERB
ijosar-1126	166	8	ijo	ijo	PROPN
ijosar-1126	166	9	journals	journal	NOUN
ijosar-1126	166	10	volume	volume	NOUN
ijosar-1126	166	11	08	08	NUM
ijosar-1126	167	1	|	|	ADV
ijosar-1126	167	2	issue	issue	NOUN
ijosar-1126	167	3	08	08	NUM
ijosar-1126	168	1	|	|	ADV
ijosar-1126	168	2	august	august	PROPN
ijosar-1126	168	3	2025	2025	NUM
ijosar-1126	168	4	|	|	ADV
ijosar-1126	168	5	https://ijojournals.com/index.php/ssh/index	https://ijojournals.com/index.php/ssh/index	NOUN
ijosar-1126	168	6	92	92	NUM
ijosar-1126	168	7	ijointernational	ijointernational	ADJ
ijosar-1126	168	8	journal	journal	NOUN
ijosar-1126	168	9	of	of	ADP
ijosar-1126	168	10	social	social	ADJ
ijosar-1126	168	11	science	science	NOUN
ijosar-1126	168	12	and	and	CCONJ
ijosar-1126	168	13	humanities	humanity	NOUN
ijosar-1126	168	14	research	research	NOUN
ijosar-1126	168	15	(	(	PUNCT
ijosar-1126	168	16	issn	issn	PROPN
ijosar-1126	168	17	2811	2811	NUM
ijosar-1126	168	18	-	-	SYM
ijosar-1126	168	19	2466	2466	NUM
ijosar-1126	168	20	)	)	PUNCT
ijosar-1126	168	21	obiora	obiora	PROPN
ijosar-1126	168	22	peters	peters	PROPN
ijosar-1126	168	23	,	,	PUNCT
ijosar-1126	168	24	emeka	emeka	VERB
ijosar-1126	168	25	phd1	phd1	PROPN
ijosar-1126	168	26	*	*	PUNCT
ijosar-1126	168	27	https://ijojournals.com/	https://ijojournals.com/	PROPN
ijosar-1126	168	28	volume	volume	NOUN
ijosar-1126	168	29	08	08	NUM
ijosar-1126	169	1	||	||	PROPN
ijosar-1126	169	2	issue	issue	NOUN
ijosar-1126	169	3	08	08	NUM
ijosar-1126	169	4	||	||	NOUN
ijosar-1126	169	5	august	august	PROPN
ijosar-1126	169	6	,	,	PUNCT
ijosar-1126	169	7	2025	2025	NUM
ijosar-1126	169	8	||	||	PUNCT
ijosar-1126	170	1	“	"	PUNCT
ijosar-1126	170	2	the	the	DET
ijosar-1126	170	3	impact	impact	NOUN
ijosar-1126	170	4	of	of	ADP
ijosar-1126	170	5	financial	financial	ADJ
ijosar-1126	170	6	technology	technology	NOUN
ijosar-1126	170	7	on	on	ADP
ijosar-1126	170	8	the	the	DET
ijosar-1126	170	9	growth	growth	NOUN
ijosar-1126	170	10	of	of	ADP
ijosar-1126	170	11	smes	sme	NOUN
ijosar-1126	170	12	in	in	ADP
ijosar-1126	170	13	rwanda	rwanda	PROPN
ijosar-1126	170	14	(	(	PUNCT
ijosar-1126	170	15	2020	2020	NUM
ijosar-1126	170	16	-	-	SYM
ijosar-1126	170	17	2024	2024	NUM
ijosar-1126	170	18	)	)	PUNCT
ijosar-1126	170	19	"	"	PUNCT
ijosar-1126	170	20	financial	financial	ADJ
ijosar-1126	170	21	visibility	visibility	NOUN
ijosar-1126	170	22	,	,	PUNCT
ijosar-1126	170	23	creditworthiness	creditworthiness	NOUN
ijosar-1126	170	24	,	,	PUNCT
ijosar-1126	170	25	and	and	CCONJ
ijosar-1126	170	26	business	business	NOUN
ijosar-1126	170	27	growth	growth	NOUN
ijosar-1126	170	28	in	in	ADP
ijosar-1126	170	29	emerging	emerge	VERB
ijosar-1126	170	30	african	african	ADJ
ijosar-1126	170	31	markets	market	NOUN
ijosar-1126	170	32	.	.	PUNCT
ijosar-1126	171	1	closer	close	ADV
ijosar-1126	171	2	to	to	ADP
ijosar-1126	171	3	rwanda	rwanda	PROPN
ijosar-1126	171	4	,	,	PUNCT
ijosar-1126	171	5	nyiramajo	nyiramajo	ADV
ijosar-1126	171	6	and	and	CCONJ
ijosar-1126	171	7	habimana	habimana	PROPN
ijosar-1126	171	8	(	(	PUNCT
ijosar-1126	171	9	2025	2025	NUM
ijosar-1126	171	10	)	)	PUNCT
ijosar-1126	171	11	examined	examine	VERB
ijosar-1126	171	12	the	the	DET
ijosar-1126	171	13	impact	impact	NOUN
ijosar-1126	171	14	of	of	ADP
ijosar-1126	171	15	yegopay	yegopay	NOUN
ijosar-1126	171	16	adoption	adoption	NOUN
ijosar-1126	171	17	on	on	ADP
ijosar-1126	171	18	rwandan	rwandan	PROPN
ijosar-1126	171	19	smes	sme	NOUN
ijosar-1126	171	20	”	"	PUNCT
ijosar-1126	171	21	,	,	PUNCT
ijosar-1126	171	22	targeting	target	VERB
ijosar-1126	171	23	200	200	NUM
ijosar-1126	171	24	small	small	ADJ
ijosar-1126	171	25	businesses	business	NOUN
ijosar-1126	171	26	in	in	ADP
ijosar-1126	171	27	kigali	kigali	PROPN
ijosar-1126	171	28	.	.	PUNCT
ijosar-1126	172	1	their	their	PRON
ijosar-1126	172	2	mixedmethods	mixedmethod	NOUN
ijosar-1126	172	3	approach	approach	VERB
ijosar-1126	172	4	,	,	PUNCT
ijosar-1126	172	5	combining	combine	VERB
ijosar-1126	172	6	surveys	survey	NOUN
ijosar-1126	172	7	with	with	ADP
ijosar-1126	172	8	in	in	ADP
ijosar-1126	172	9	-	-	PUNCT
ijosar-1126	172	10	depth	depth	NOUN
ijosar-1126	172	11	interviews	interview	NOUN
ijosar-1126	172	12	,	,	PUNCT
ijosar-1126	172	13	showed	show	VERB
ijosar-1126	172	14	that	that	SCONJ
ijosar-1126	172	15	75	75	NUM
ijosar-1126	172	16	%	%	NOUN
ijosar-1126	172	17	of	of	ADP
ijosar-1126	172	18	smes	sme	NOUN
ijosar-1126	172	19	increased	increase	VERB
ijosar-1126	172	20	customer	customer	NOUN
ijosar-1126	172	21	retention	retention	NOUN
ijosar-1126	172	22	by	by	ADP
ijosar-1126	172	23	18	18	NUM
ijosar-1126	172	24	%	%	NOUN
ijosar-1126	172	25	,	,	PUNCT
ijosar-1126	172	26	primarily	primarily	ADV
ijosar-1126	172	27	through	through	ADP
ijosar-1126	172	28	improved	improved	ADJ
ijosar-1126	172	29	ease	ease	NOUN
ijosar-1126	172	30	and	and	CCONJ
ijosar-1126	172	31	security	security	NOUN
ijosar-1126	172	32	of	of	ADP
ijosar-1126	172	33	payments	payment	NOUN
ijosar-1126	172	34	.	.	PUNCT
ijosar-1126	173	1	additionally	additionally	ADV
ijosar-1126	173	2	,	,	PUNCT
ijosar-1126	173	3	62	62	NUM
ijosar-1126	173	4	%	%	NOUN
ijosar-1126	173	5	reported	report	VERB
ijosar-1126	173	6	enhanced	enhance	VERB
ijosar-1126	173	7	cash	cash	NOUN
ijosar-1126	173	8	flow	flow	NOUN
ijosar-1126	173	9	predictability	predictability	NOUN
ijosar-1126	173	10	,	,	PUNCT
ijosar-1126	173	11	which	which	PRON
ijosar-1126	173	12	supported	support	VERB
ijosar-1126	173	13	better	well	ADJ
ijosar-1126	173	14	inventory	inventory	NOUN
ijosar-1126	173	15	and	and	CCONJ
ijosar-1126	173	16	staff	staff	NOUN
ijosar-1126	173	17	management	management	NOUN
ijosar-1126	173	18	.	.	PUNCT
ijosar-1126	174	1	2.5	2.5	NUM
ijosar-1126	174	2	literature	literature	NOUN
ijosar-1126	174	3	gap	gap	NOUN
ijosar-1126	174	4	empirical	empirical	ADJ
ijosar-1126	174	5	studies	study	NOUN
ijosar-1126	174	6	across	across	ADP
ijosar-1126	174	7	various	various	ADJ
ijosar-1126	174	8	contexts	context	NOUN
ijosar-1126	174	9	have	have	AUX
ijosar-1126	174	10	consistently	consistently	ADV
ijosar-1126	174	11	shown	show	VERB
ijosar-1126	174	12	that	that	SCONJ
ijosar-1126	174	13	mobile	mobile	ADJ
ijosar-1126	174	14	money	money	NOUN
ijosar-1126	174	15	,	,	PUNCT
ijosar-1126	174	16	digital	digital	ADJ
ijosar-1126	174	17	wallets	wallet	NOUN
ijosar-1126	174	18	,	,	PUNCT
ijosar-1126	174	19	and	and	CCONJ
ijosar-1126	174	20	digital	digital	ADJ
ijosar-1126	174	21	credit	credit	NOUN
ijosar-1126	174	22	platforms	platform	NOUN
ijosar-1126	174	23	positively	positively	ADV
ijosar-1126	174	24	impact	impact	VERB
ijosar-1126	174	25	sme	sme	NOUN
ijosar-1126	174	26	growth	growth	NOUN
ijosar-1126	174	27	.	.	PUNCT
ijosar-1126	175	1	research	research	NOUN
ijosar-1126	175	2	on	on	ADP
ijosar-1126	175	3	mobile	mobile	ADJ
ijosar-1126	175	4	money	money	NOUN
ijosar-1126	175	5	,	,	PUNCT
ijosar-1126	175	6	such	such	ADJ
ijosar-1126	175	7	as	as	ADP
ijosar-1126	175	8	sinkala	sinkala	NOUN
ijosar-1126	175	9	(	(	PUNCT
ijosar-1126	175	10	2023	2023	NUM
ijosar-1126	175	11	)	)	PUNCT
ijosar-1126	175	12	and	and	CCONJ
ijosar-1126	175	13	kimathi	kimathi	PROPN
ijosar-1126	175	14	et	et	PROPN
ijosar-1126	175	15	al	al	PROPN
ijosar-1126	175	16	.	.	PROPN
ijosar-1126	176	1	(	(	PUNCT
ijosar-1126	176	2	2025	2025	NUM
ijosar-1126	176	3	)	)	PUNCT
ijosar-1126	176	4	,	,	PUNCT
ijosar-1126	176	5	has	have	AUX
ijosar-1126	176	6	demonstrated	demonstrate	VERB
ijosar-1126	176	7	improvements	improvement	NOUN
ijosar-1126	176	8	in	in	ADP
ijosar-1126	176	9	liquidity	liquidity	NOUN
ijosar-1126	176	10	management	management	NOUN
ijosar-1126	176	11	,	,	PUNCT
ijosar-1126	176	12	cost	cost	NOUN
ijosar-1126	176	13	efficiency	efficiency	NOUN
ijosar-1126	176	14	,	,	PUNCT
ijosar-1126	176	15	and	and	CCONJ
ijosar-1126	176	16	customer	customer	NOUN
ijosar-1126	176	17	reach	reach	VERB
ijosar-1126	176	18	for	for	ADP
ijosar-1126	176	19	smes	sme	NOUN
ijosar-1126	176	20	.	.	PUNCT
ijosar-1126	177	1	studies	study	NOUN
ijosar-1126	177	2	on	on	ADP
ijosar-1126	177	3	digital	digital	ADJ
ijosar-1126	177	4	credit	credit	NOUN
ijosar-1126	177	5	platforms	platform	NOUN
ijosar-1126	177	6	,	,	PUNCT
ijosar-1126	177	7	including	include	VERB
ijosar-1126	177	8	muthoni	muthoni	NOUN
ijosar-1126	177	9	(	(	PUNCT
ijosar-1126	177	10	2024	2024	NUM
ijosar-1126	177	11	)	)	PUNCT
ijosar-1126	177	12	and	and	CCONJ
ijosar-1126	177	13	björkegren	björkegren	PROPN
ijosar-1126	177	14	et	et	PROPN
ijosar-1126	177	15	al	al	PROPN
ijosar-1126	177	16	.	.	PROPN
ijosar-1126	177	17	(	(	PUNCT
ijosar-1126	177	18	2022	2022	NUM
ijosar-1126	177	19	)	)	PUNCT
ijosar-1126	177	20	,	,	PUNCT
ijosar-1126	177	21	have	have	AUX
ijosar-1126	177	22	highlighted	highlight	VERB
ijosar-1126	177	23	their	their	PRON
ijosar-1126	177	24	role	role	NOUN
ijosar-1126	177	25	in	in	ADP
ijosar-1126	177	26	enhancing	enhance	VERB
ijosar-1126	177	27	sme	sme	NOUN
ijosar-1126	177	28	working	work	VERB
ijosar-1126	177	29	capital	capital	NOUN
ijosar-1126	177	30	and	and	CCONJ
ijosar-1126	177	31	financial	financial	ADJ
ijosar-1126	177	32	inclusion	inclusion	NOUN
ijosar-1126	177	33	,	,	PUNCT
ijosar-1126	177	34	though	though	SCONJ
ijosar-1126	177	35	outcomes	outcome	NOUN
ijosar-1126	177	36	on	on	ADP
ijosar-1126	177	37	long	long	ADJ
ijosar-1126	177	38	-	-	PUNCT
ijosar-1126	177	39	term	term	NOUN
ijosar-1126	177	40	income	income	NOUN
ijosar-1126	177	41	growth	growth	NOUN
ijosar-1126	177	42	remain	remain	VERB
ijosar-1126	177	43	mixed	mixed	ADJ
ijosar-1126	177	44	.	.	PUNCT
ijosar-1126	178	1	similarly	similarly	ADV
ijosar-1126	178	2	,	,	PUNCT
ijosar-1126	178	3	evidence	evidence	NOUN
ijosar-1126	178	4	on	on	ADP
ijosar-1126	178	5	digital	digital	ADJ
ijosar-1126	178	6	wallets	wallet	NOUN
ijosar-1126	178	7	from	from	ADP
ijosar-1126	178	8	chakraborty	chakraborty	PROPN
ijosar-1126	178	9	and	and	CCONJ
ijosar-1126	178	10	biswas	biswas	PROPN
ijosar-1126	178	11	(	(	PUNCT
ijosar-1126	178	12	2023	2023	NUM
ijosar-1126	178	13	)	)	PUNCT
ijosar-1126	178	14	and	and	CCONJ
ijosar-1126	178	15	mwangi	mwangi	PROPN
ijosar-1126	178	16	and	and	CCONJ
ijosar-1126	178	17	otieno	otieno	ADJ
ijosar-1126	178	18	(	(	PUNCT
ijosar-1126	178	19	2024	2024	NUM
ijosar-1126	178	20	)	)	PUNCT
ijosar-1126	178	21	points	point	NOUN
ijosar-1126	178	22	to	to	ADP
ijosar-1126	178	23	improved	improve	VERB
ijosar-1126	178	24	transaction	transaction	NOUN
ijosar-1126	178	25	efficiency	efficiency	NOUN
ijosar-1126	178	26	,	,	PUNCT
ijosar-1126	178	27	record	record	NOUN
ijosar-1126	178	28	-	-	PUNCT
ijosar-1126	178	29	keeping	keeping	NOUN
ijosar-1126	178	30	,	,	PUNCT
ijosar-1126	178	31	and	and	CCONJ
ijosar-1126	178	32	credit	credit	NOUN
ijosar-1126	178	33	access	access	NOUN
ijosar-1126	178	34	.	.	PUNCT
ijosar-1126	179	1	despite	despite	SCONJ
ijosar-1126	179	2	these	these	DET
ijosar-1126	179	3	advances	advance	NOUN
ijosar-1126	179	4	,	,	PUNCT
ijosar-1126	179	5	critical	critical	ADJ
ijosar-1126	179	6	gaps	gap	NOUN
ijosar-1126	179	7	remain	remain	VERB
ijosar-1126	179	8	.	.	PUNCT
ijosar-1126	180	1	most	most	ADJ
ijosar-1126	180	2	studies	study	NOUN
ijosar-1126	180	3	focus	focus	VERB
ijosar-1126	180	4	on	on	ADP
ijosar-1126	180	5	individual	individual	ADJ
ijosar-1126	180	6	platforms	platform	NOUN
ijosar-1126	180	7	in	in	ADP
ijosar-1126	180	8	isolation	isolation	NOUN
ijosar-1126	180	9	,	,	PUNCT
ijosar-1126	180	10	while	while	SCONJ
ijosar-1126	180	11	few	few	ADJ
ijosar-1126	180	12	attempt	attempt	NOUN
ijosar-1126	180	13	to	to	PART
ijosar-1126	180	14	compare	compare	VERB
ijosar-1126	180	15	or	or	CCONJ
ijosar-1126	180	16	assess	assess	VERB
ijosar-1126	180	17	the	the	DET
ijosar-1126	180	18	combined	combine	VERB
ijosar-1126	180	19	impact	impact	NOUN
ijosar-1126	180	20	of	of	ADP
ijosar-1126	180	21	these	these	DET
ijosar-1126	180	22	digital	digital	ADJ
ijosar-1126	180	23	financial	financial	ADJ
ijosar-1126	180	24	tools	tool	NOUN
ijosar-1126	180	25	on	on	ADP
ijosar-1126	180	26	sme	sme	ADJ
ijosar-1126	180	27	growth	growth	NOUN
ijosar-1126	180	28	.	.	PUNCT
ijosar-1126	181	1	furthermore	furthermore	ADV
ijosar-1126	181	2	,	,	PUNCT
ijosar-1126	181	3	much	much	ADJ
ijosar-1126	181	4	of	of	ADP
ijosar-1126	181	5	the	the	DET
ijosar-1126	181	6	evidence	evidence	NOUN
ijosar-1126	181	7	is	be	AUX
ijosar-1126	181	8	drawn	draw	VERB
ijosar-1126	181	9	from	from	ADP
ijosar-1126	181	10	countries	country	NOUN
ijosar-1126	181	11	like	like	ADP
ijosar-1126	181	12	kenya	kenya	PROPN
ijosar-1126	181	13	,	,	PUNCT
ijosar-1126	181	14	nigeria	nigeria	PROPN
ijosar-1126	181	15	,	,	PUNCT
ijosar-1126	181	16	india	india	PROPN
ijosar-1126	181	17	,	,	PUNCT
ijosar-1126	181	18	or	or	CCONJ
ijosar-1126	181	19	southeast	southeast	PROPN
ijosar-1126	181	20	asia	asia	PROPN
ijosar-1126	181	21	,	,	PUNCT
ijosar-1126	181	22	with	with	ADP
ijosar-1126	181	23	limited	limited	ADJ
ijosar-1126	181	24	empirical	empirical	ADJ
ijosar-1126	181	25	research	research	NOUN
ijosar-1126	181	26	specifically	specifically	ADV
ijosar-1126	181	27	tailored	tailor	VERB
ijosar-1126	181	28	to	to	ADP
ijosar-1126	181	29	rwanda	rwanda	PROPN
ijosar-1126	181	30	or	or	CCONJ
ijosar-1126	181	31	the	the	DET
ijosar-1126	181	32	broader	broad	ADJ
ijosar-1126	181	33	sub	sub	ADJ
ijosar-1126	181	34	-	-	ADJ
ijosar-1126	181	35	saharan	saharan	ADJ
ijosar-1126	181	36	african	african	ADJ
ijosar-1126	181	37	context	context	NOUN
ijosar-1126	181	38	.	.	PUNCT
ijosar-1126	182	1	additionally	additionally	ADV
ijosar-1126	182	2	,	,	PUNCT
ijosar-1126	182	3	while	while	SCONJ
ijosar-1126	182	4	existing	existing	ADJ
ijosar-1126	182	5	studies	study	NOUN
ijosar-1126	182	6	emphasize	emphasize	VERB
ijosar-1126	182	7	financial	financial	ADJ
ijosar-1126	182	8	and	and	CCONJ
ijosar-1126	182	9	operational	operational	ADJ
ijosar-1126	182	10	benefits	benefit	NOUN
ijosar-1126	182	11	,	,	PUNCT
ijosar-1126	182	12	there	there	PRON
ijosar-1126	182	13	is	be	VERB
ijosar-1126	182	14	insufficient	insufficient	ADJ
ijosar-1126	182	15	exploration	exploration	NOUN
ijosar-1126	182	16	of	of	ADP
ijosar-1126	182	17	mediating	mediate	VERB
ijosar-1126	182	18	factors	factor	NOUN
ijosar-1126	182	19	such	such	ADJ
ijosar-1126	182	20	as	as	ADP
ijosar-1126	182	21	financial	financial	ADJ
ijosar-1126	182	22	literacy	literacy	NOUN
ijosar-1126	182	23	,	,	PUNCT
ijosar-1126	182	24	digital	digital	ADJ
ijosar-1126	182	25	infrastructure	infrastructure	NOUN
ijosar-1126	182	26	,	,	PUNCT
ijosar-1126	182	27	regulatory	regulatory	ADJ
ijosar-1126	182	28	environments	environment	NOUN
ijosar-1126	182	29	,	,	PUNCT
ijosar-1126	182	30	or	or	CCONJ
ijosar-1126	182	31	institutional	institutional	ADJ
ijosar-1126	182	32	trust	trust	NOUN
ijosar-1126	182	33	that	that	PRON
ijosar-1126	182	34	may	may	AUX
ijosar-1126	182	35	influence	influence	VERB
ijosar-1126	182	36	the	the	DET
ijosar-1126	182	37	effectiveness	effectiveness	NOUN
ijosar-1126	182	38	of	of	ADP
ijosar-1126	182	39	these	these	DET
ijosar-1126	182	40	platforms	platform	NOUN
ijosar-1126	182	41	.	.	PUNCT
ijosar-1126	183	1	as	as	ADP
ijosar-1126	183	2	such	such	ADJ
ijosar-1126	183	3	,	,	PUNCT
ijosar-1126	183	4	there	there	PRON
ijosar-1126	183	5	is	be	VERB
ijosar-1126	183	6	a	a	DET
ijosar-1126	183	7	pressing	press	VERB
ijosar-1126	183	8	need	need	NOUN
ijosar-1126	183	9	for	for	ADP
ijosar-1126	183	10	integrated	integrated	ADJ
ijosar-1126	183	11	,	,	PUNCT
ijosar-1126	183	12	context	context	NOUN
ijosar-1126	183	13	-	-	PUNCT
ijosar-1126	183	14	specific	specific	ADJ
ijosar-1126	183	15	research	research	NOUN
ijosar-1126	183	16	that	that	PRON
ijosar-1126	183	17	examines	examine	VERB
ijosar-1126	183	18	the	the	DET
ijosar-1126	183	19	synergistic	synergistic	ADJ
ijosar-1126	183	20	effects	effect	NOUN
ijosar-1126	183	21	of	of	ADP
ijosar-1126	183	22	mobile	mobile	ADJ
ijosar-1126	183	23	money	money	NOUN
ijosar-1126	183	24	,	,	PUNCT
ijosar-1126	183	25	digital	digital	ADJ
ijosar-1126	183	26	wallets	wallet	NOUN
ijosar-1126	183	27	,	,	PUNCT
ijosar-1126	183	28	and	and	CCONJ
ijosar-1126	183	29	digital	digital	ADJ
ijosar-1126	183	30	credit	credit	NOUN
ijosar-1126	183	31	platforms	platform	NOUN
ijosar-1126	183	32	on	on	ADP
ijosar-1126	183	33	the	the	DET
ijosar-1126	183	34	sustainable	sustainable	ADJ
ijosar-1126	183	35	growth	growth	NOUN
ijosar-1126	183	36	of	of	ADP
ijosar-1126	183	37	smes	sme	NOUN
ijosar-1126	183	38	,	,	PUNCT
ijosar-1126	183	39	particularly	particularly	ADV
ijosar-1126	183	40	within	within	ADP
ijosar-1126	183	41	rwanda	rwanda	PROPN
ijosar-1126	183	42	’s	’s	PART
ijosar-1126	183	43	evolving	evolve	VERB
ijosar-1126	183	44	digital	digital	ADJ
ijosar-1126	183	45	financial	financial	ADJ
ijosar-1126	183	46	ecosystem	ecosystem	NOUN
ijosar-1126	183	47	.	.	PUNCT
ijosar-1126	184	1	this	this	PRON
ijosar-1126	184	2	would	would	AUX
ijosar-1126	184	3	help	help	VERB
ijosar-1126	184	4	policymakers	policymaker	NOUN
ijosar-1126	184	5	and	and	CCONJ
ijosar-1126	184	6	practitioners	practitioner	NOUN
ijosar-1126	184	7	design	design	PROPN
ijosar-1126	184	8	ijo	ijo	PROPN
ijosar-1126	184	9	journals	journal	NOUN
ijosar-1126	184	10	volume	volume	NOUN
ijosar-1126	184	11	08	08	NUM
ijosar-1126	185	1	|	|	ADV
ijosar-1126	185	2	issue	issue	NOUN
ijosar-1126	185	3	08	08	NUM
ijosar-1126	186	1	|	|	ADV
ijosar-1126	186	2	august	august	PROPN
ijosar-1126	186	3	2025	2025	NUM
ijosar-1126	186	4	|	|	ADV
ijosar-1126	186	5	https://ijojournals.com/index.php/ssh/index	https://ijojournals.com/index.php/ssh/index	NOUN
ijosar-1126	186	6	93	93	NUM
ijosar-1126	186	7	ijointernational	ijointernational	ADJ
ijosar-1126	186	8	journal	journal	NOUN
ijosar-1126	186	9	of	of	ADP
ijosar-1126	186	10	social	social	ADJ
ijosar-1126	186	11	science	science	NOUN
ijosar-1126	186	12	and	and	CCONJ
ijosar-1126	186	13	humanities	humanity	NOUN
ijosar-1126	186	14	research	research	NOUN
ijosar-1126	186	15	(	(	PUNCT
ijosar-1126	186	16	issn	issn	PROPN
ijosar-1126	186	17	2811	2811	NUM
ijosar-1126	186	18	-	-	SYM
ijosar-1126	186	19	2466	2466	NUM
ijosar-1126	186	20	)	)	PUNCT
ijosar-1126	186	21	obiora	obiora	PROPN
ijosar-1126	186	22	peters	peters	PROPN
ijosar-1126	186	23	,	,	PUNCT
ijosar-1126	186	24	emeka	emeka	VERB
ijosar-1126	186	25	phd1	phd1	PROPN
ijosar-1126	186	26	*	*	PUNCT
ijosar-1126	186	27	https://ijojournals.com/	https://ijojournals.com/	PROPN
ijosar-1126	186	28	volume	volume	NOUN
ijosar-1126	186	29	08	08	NUM
ijosar-1126	187	1	||	||	PROPN
ijosar-1126	187	2	issue	issue	NOUN
ijosar-1126	187	3	08	08	NUM
ijosar-1126	187	4	||	||	NOUN
ijosar-1126	187	5	august	august	PROPN
ijosar-1126	187	6	,	,	PUNCT
ijosar-1126	187	7	2025	2025	NUM
ijosar-1126	187	8	||	||	PUNCT
ijosar-1126	188	1	“	"	PUNCT
ijosar-1126	188	2	the	the	DET
ijosar-1126	188	3	impact	impact	NOUN
ijosar-1126	188	4	of	of	ADP
ijosar-1126	188	5	financial	financial	ADJ
ijosar-1126	188	6	technology	technology	NOUN
ijosar-1126	188	7	on	on	ADP
ijosar-1126	188	8	the	the	DET
ijosar-1126	188	9	growth	growth	NOUN
ijosar-1126	188	10	of	of	ADP
ijosar-1126	188	11	smes	sme	NOUN
ijosar-1126	188	12	in	in	ADP
ijosar-1126	188	13	rwanda	rwanda	PROPN
ijosar-1126	188	14	(	(	PUNCT
ijosar-1126	188	15	2020	2020	NUM
ijosar-1126	188	16	-	-	SYM
ijosar-1126	188	17	2024	2024	NUM
ijosar-1126	188	18	)	)	PUNCT
ijosar-1126	188	19	"	"	PUNCT
ijosar-1126	188	20	targeted	target	VERB
ijosar-1126	188	21	interventions	intervention	NOUN
ijosar-1126	188	22	that	that	PRON
ijosar-1126	188	23	maximize	maximize	VERB
ijosar-1126	188	24	the	the	DET
ijosar-1126	188	25	developmental	developmental	ADJ
ijosar-1126	188	26	impact	impact	NOUN
ijosar-1126	188	27	of	of	ADP
ijosar-1126	188	28	digital	digital	ADJ
ijosar-1126	188	29	finance	finance	NOUN
ijosar-1126	188	30	on	on	ADP
ijosar-1126	188	31	small	small	ADJ
ijosar-1126	188	32	business	business	NOUN
ijosar-1126	188	33	resilience	resilience	NOUN
ijosar-1126	188	34	and	and	CCONJ
ijosar-1126	188	35	scalability	scalability	NOUN
ijosar-1126	188	36	.	.	PUNCT
ijosar-1126	189	1	2.6	2.6	NUM
ijosar-1126	189	2	conceptual	conceptual	ADJ
ijosar-1126	189	3	framework	framework	NOUN
ijosar-1126	189	4	independent	independent	ADJ
ijosar-1126	189	5	variable	variable	ADJ
ijosar-1126	189	6	dependent	dependent	ADJ
ijosar-1126	189	7	variable	variable	ADJ
ijosar-1126	189	8	fig	fig	NOUN
ijosar-1126	189	9	1	1	NUM
ijosar-1126	189	10	:	:	PUNCT
ijosar-1126	189	11	conceptual	conceptual	ADJ
ijosar-1126	189	12	model	model	NOUN
ijosar-1126	189	13	3.0	3.0	NUM
ijosar-1126	189	14	methodology	methodology	NOUN
ijosar-1126	189	15	this	this	DET
ijosar-1126	189	16	chapter	chapter	NOUN
ijosar-1126	189	17	presents	present	VERB
ijosar-1126	189	18	the	the	DET
ijosar-1126	189	19	research	research	NOUN
ijosar-1126	189	20	strategy	strategy	NOUN
ijosar-1126	189	21	,	,	PUNCT
ijosar-1126	189	22	design	design	NOUN
ijosar-1126	189	23	,	,	PUNCT
ijosar-1126	189	24	population	population	NOUN
ijosar-1126	189	25	,	,	PUNCT
ijosar-1126	189	26	sample	sample	NOUN
ijosar-1126	189	27	size	size	NOUN
ijosar-1126	189	28	and	and	CCONJ
ijosar-1126	189	29	estimation	estimation	NOUN
ijosar-1126	189	30	technique	technique	NOUN
ijosar-1126	189	31	,	,	PUNCT
ijosar-1126	189	32	limitation	limitation	NOUN
ijosar-1126	189	33	and	and	CCONJ
ijosar-1126	189	34	ethical	ethical	ADJ
ijosar-1126	189	35	consideration	consideration	NOUN
ijosar-1126	189	36	used	use	VERB
ijosar-1126	189	37	in	in	ADP
ijosar-1126	189	38	this	this	DET
ijosar-1126	189	39	study	study	NOUN
ijosar-1126	189	40	.	.	PUNCT
ijosar-1126	190	1	3.1	3.1	NUM
ijosar-1126	190	2	.	.	PUNCT
ijosar-1126	190	3	research	research	NOUN
ijosar-1126	190	4	design	design	NOUN
ijosar-1126	190	5	this	this	DET
ijosar-1126	190	6	study	study	NOUN
ijosar-1126	190	7	employed	employ	VERB
ijosar-1126	190	8	a	a	DET
ijosar-1126	190	9	quantitative	quantitative	ADJ
ijosar-1126	190	10	research	research	NOUN
ijosar-1126	190	11	design	design	NOUN
ijosar-1126	190	12	,	,	PUNCT
ijosar-1126	190	13	using	use	VERB
ijosar-1126	190	14	a	a	DET
ijosar-1126	190	15	descriptive	descriptive	ADJ
ijosar-1126	190	16	and	and	CCONJ
ijosar-1126	190	17	explanatory	explanatory	ADJ
ijosar-1126	190	18	survey	survey	NOUN
ijosar-1126	190	19	approach	approach	NOUN
ijosar-1126	190	20	.	.	PUNCT
ijosar-1126	191	1	the	the	DET
ijosar-1126	191	2	descriptive	descriptive	ADJ
ijosar-1126	191	3	component	component	NOUN
ijosar-1126	191	4	was	be	AUX
ijosar-1126	191	5	used	use	VERB
ijosar-1126	191	6	to	to	PART
ijosar-1126	191	7	profile	profile	VERB
ijosar-1126	191	8	sme	sme	PROPN
ijosar-1126	191	9	characteristics	characteristic	NOUN
ijosar-1126	191	10	and	and	CCONJ
ijosar-1126	191	11	adoption	adoption	NOUN
ijosar-1126	191	12	of	of	ADP
ijosar-1126	191	13	digital	digital	ADJ
ijosar-1126	191	14	financial	financial	ADJ
ijosar-1126	191	15	tools	tool	NOUN
ijosar-1126	191	16	,	,	PUNCT
ijosar-1126	191	17	while	while	SCONJ
ijosar-1126	191	18	the	the	DET
ijosar-1126	191	19	explanatory	explanatory	ADJ
ijosar-1126	191	20	component	component	NOUN
ijosar-1126	191	21	assessed	assess	VERB
ijosar-1126	191	22	causal	causal	ADJ
ijosar-1126	191	23	relationships	relationship	NOUN
ijosar-1126	191	24	between	between	ADP
ijosar-1126	191	25	digital	digital	ADJ
ijosar-1126	191	26	financial	financial	ADJ
ijosar-1126	191	27	platform	platform	NOUN
ijosar-1126	191	28	usage	usage	NOUN
ijosar-1126	191	29	and	and	CCONJ
ijosar-1126	191	30	sme	sme	NOUN
ijosar-1126	191	31	growth	growth	NOUN
ijosar-1126	191	32	indicators	indicator	NOUN
ijosar-1126	191	33	(	(	PUNCT
ijosar-1126	191	34	survival	survival	NOUN
ijosar-1126	191	35	/	/	SYM
ijosar-1126	191	36	longevity	longevity	NOUN
ijosar-1126	191	37	,	,	PUNCT
ijosar-1126	191	38	market	market	NOUN
ijosar-1126	191	39	expansion	expansion	NOUN
ijosar-1126	191	40	&	&	CCONJ
ijosar-1126	191	41	employment	employment	NOUN
ijosar-1126	191	42	growth	growth	NOUN
ijosar-1126	191	43	)	)	PUNCT
ijosar-1126	191	44	.	.	PUNCT
ijosar-1126	192	1	a	a	DET
ijosar-1126	192	2	structured	structured	ADJ
ijosar-1126	192	3	5	5	NUM
ijosar-1126	192	4	point	point	NOUN
ijosar-1126	192	5	likert	likert	ADJ
ijosar-1126	192	6	scale	scale	NOUN
ijosar-1126	192	7	questionnaire	questionnaire	NOUN
ijosar-1126	192	8	was	be	AUX
ijosar-1126	192	9	the	the	DET
ijosar-1126	192	10	main	main	ADJ
ijosar-1126	192	11	instrument	instrument	NOUN
ijosar-1126	192	12	for	for	ADP
ijosar-1126	192	13	collecting	collect	VERB
ijosar-1126	192	14	primary	primary	ADJ
ijosar-1126	192	15	data	datum	NOUN
ijosar-1126	192	16	from	from	ADP
ijosar-1126	192	17	sme	sme	NOUN
ijosar-1126	192	18	owners	owner	NOUN
ijosar-1126	192	19	and	and	CCONJ
ijosar-1126	192	20	managers	manager	NOUN
ijosar-1126	192	21	.	.	PUNCT
ijosar-1126	193	1	the	the	DET
ijosar-1126	193	2	study	study	NOUN
ijosar-1126	193	3	targeted	target	VERB
ijosar-1126	193	4	25,000	25,000	NUM
ijosar-1126	193	5	smes	sme	NOUN
ijosar-1126	193	6	operating	operate	VERB
ijosar-1126	193	7	in	in	ADP
ijosar-1126	193	8	various	various	ADJ
ijosar-1126	193	9	sectors	sector	NOUN
ijosar-1126	193	10	across	across	ADP
ijosar-1126	193	11	rwanda(rdb	rwanda(rdb	PROPN
ijosar-1126	193	12	,	,	PUNCT
ijosar-1126	193	13	2024	2024	NUM
ijosar-1126	193	14	)	)	PUNCT
ijosar-1126	193	15	.	.	PUNCT
ijosar-1126	194	1	the	the	DET
ijosar-1126	194	2	sample	sample	NOUN
ijosar-1126	194	3	size	size	NOUN
ijosar-1126	194	4	was	be	AUX
ijosar-1126	194	5	determined	determine	VERB
ijosar-1126	194	6	using	use	VERB
ijosar-1126	194	7	krejcie	krejcie	NOUN
ijosar-1126	194	8	and	and	CCONJ
ijosar-1126	194	9	morgan	morgan	PROPN
ijosar-1126	194	10	’s	’s	PART
ijosar-1126	194	11	(	(	PUNCT
ijosar-1126	194	12	1970	1970	NUM
ijosar-1126	194	13	)	)	PUNCT
ijosar-1126	194	14	formula	formula	NOUN
ijosar-1126	194	15	,	,	PUNCT
ijosar-1126	194	16	which	which	PRON
ijosar-1126	194	17	is	be	AUX
ijosar-1126	194	18	appropriate	appropriate	ADJ
ijosar-1126	194	19	for	for	ADP
ijosar-1126	194	20	digital	digital	ADJ
ijosar-1126	194	21	lending	lending	NOUN
ijosar-1126	194	22	access	access	NOUN
ijosar-1126	194	23	mobile	mobile	ADJ
ijosar-1126	194	24	money	money	NOUN
ijosar-1126	194	25	digital	digital	ADJ
ijosar-1126	194	26	wallet	wallet	NOUN
ijosar-1126	194	27	digital	digital	ADJ
ijosar-1126	194	28	credit	credit	NOUN
ijosar-1126	194	29	platform	platform	NOUN
ijosar-1126	194	30	independent	independent	ADJ
ijosar-1126	194	31	variables	variable	NOUN
ijosar-1126	194	32	dependent	dependent	ADJ
ijosar-1126	194	33	variable	variable	ADJ
ijosar-1126	194	34	smes	sme	NOUN
ijosar-1126	194	35	growth	growth	NOUN
ijosar-1126	194	36	survival	survival	NOUN
ijosar-1126	194	37	/	/	SYM
ijosar-1126	194	38	longivity	longivity	NOUN
ijosar-1126	194	39	market	market	NOUN
ijosar-1126	194	40	expansion	expansion	NOUN
ijosar-1126	194	41	employement	employement	PROPN
ijosar-1126	194	42	growth	growth	NOUN
ijosar-1126	194	43	ijo	ijo	PROPN
ijosar-1126	194	44	journals	journal	NOUN
ijosar-1126	194	45	volume	volume	NOUN
ijosar-1126	194	46	08	08	NUM
ijosar-1126	195	1	|	|	ADV
ijosar-1126	195	2	issue	issue	NOUN
ijosar-1126	195	3	08	08	NUM
ijosar-1126	196	1	|	|	ADV
ijosar-1126	196	2	august	august	PROPN
ijosar-1126	196	3	2025	2025	NUM
ijosar-1126	197	1	|	|	ADV
ijosar-1126	197	2	https://ijojournals.com/index.php/ssh/index	https://ijojournals.com/index.php/ssh/index	NOUN
ijosar-1126	197	3	94	94	NUM
ijosar-1126	197	4	ijointernational	ijointernational	ADJ
ijosar-1126	197	5	journal	journal	NOUN
ijosar-1126	197	6	of	of	ADP
ijosar-1126	197	7	social	social	ADJ
ijosar-1126	197	8	science	science	NOUN
ijosar-1126	197	9	and	and	CCONJ
ijosar-1126	197	10	humanities	humanity	NOUN
ijosar-1126	197	11	research	research	NOUN
ijosar-1126	197	12	(	(	PUNCT
ijosar-1126	197	13	issn	issn	PROPN
ijosar-1126	197	14	2811	2811	NUM
ijosar-1126	197	15	-	-	SYM
ijosar-1126	197	16	2466	2466	NUM
ijosar-1126	197	17	)	)	PUNCT
ijosar-1126	197	18	https://ijojournals.com/	https://ijojournals.com/	NOUN
ijosar-1126	197	19	“	"	PUNCT
ijosar-1126	197	20	the	the	DET
ijosar-1126	197	21	impact	impact	NOUN
ijosar-1126	197	22	of	of	ADP
ijosar-1126	197	23	financial	financial	ADJ
ijosar-1126	197	24	technology	technology	NOUN
ijosar-1126	197	25	on	on	ADP
ijosar-1126	197	26	the	the	DET
ijosar-1126	197	27	growth	growth	NOUN
ijosar-1126	197	28	of	of	ADP
ijosar-1126	197	29	smes	sme	NOUN
ijosar-1126	197	30	in	in	ADP
ijosar-1126	197	31	rwanda	rwanda	PROPN
ijosar-1126	197	32	(	(	PUNCT
ijosar-1126	197	33	2020	2020	NUM
ijosar-1126	197	34	determining	determine	VERB
ijosar-1126	197	35	a	a	DET
ijosar-1126	197	36	representative	representative	ADJ
ijosar-1126	197	37	sample	sample	NOUN
ijosar-1126	197	38	from	from	ADP
ijosar-1126	197	39	a	a	DET
ijosar-1126	197	40	known	know	VERB
ijosar-1126	197	41	population	population	NOUN
ijosar-1126	197	42	of	of	ADP
ijosar-1126	197	43	25,000	25,000	NUM
ijosar-1126	197	44	.	.	PUNCT
ijosar-1126	198	1	the	the	DET
ijosar-1126	198	2	formula	formula	NOUN
ijosar-1126	198	3	applied	apply	VERB
ijosar-1126	198	4	is	be	AUX
ijosar-1126	198	5	:	:	PUNCT
ijosar-1126	198	6	where	where	SCONJ
ijosar-1126	198	7	:	:	PUNCT
ijosar-1126	198	8	s	s	X
ijosar-1126	198	9	=	=	NOUN
ijosar-1126	198	10	required	require	VERB
ijosar-1126	198	11	sample	sample	NOUN
ijosar-1126	198	12	size	size	NOUN
ijosar-1126	198	13	x²	x²	PROPN
ijosar-1126	198	14	=	=	PUNCT
ijosar-1126	198	15	chi	chi	ADJ
ijosar-1126	198	16	-	-	PUNCT
ijosar-1126	198	17	square	square	ADJ
ijosar-1126	198	18	value	value	NOUN
ijosar-1126	198	19	for	for	ADP
ijosar-1126	198	20	1	1	NUM
ijosar-1126	198	21	degree	degree	NOUN
ijosar-1126	198	22	of	of	ADP
ijosar-1126	198	23	freedom	freedom	NOUN
ijosar-1126	198	24	at	at	ADP
ijosar-1126	198	25	95	95	NUM
ijosar-1126	198	26	%	%	NOUN
ijosar-1126	198	27	confidence	confidence	NOUN
ijosar-1126	198	28	level	level	NOUN
ijosar-1126	198	29	(	(	PUNCT
ijosar-1126	198	30	3.841	3.841	NUM
ijosar-1126	198	31	)	)	PUNCT
ijosar-1126	198	32	n	n	NOUN
ijosar-1126	198	33	=	=	NOUN
ijosar-1126	198	34	population	population	NOUN
ijosar-1126	198	35	size	size	NOUN
ijosar-1126	198	36	(	(	PUNCT
ijosar-1126	198	37	25,000	25,000	NUM
ijosar-1126	198	38	smes	sme	NOUN
ijosar-1126	198	39	)	)	PUNCT
ijosar-1126	198	40	p	p	NOUN
ijosar-1126	198	41	=	=	NOUN
ijosar-1126	198	42	population	population	NOUN
ijosar-1126	198	43	proportion	proportion	NOUN
ijosar-1126	198	44	(	(	PUNCT
ijosar-1126	198	45	assumed	assume	VERB
ijosar-1126	198	46	to	to	PART
ijosar-1126	198	47	be	be	AUX
ijosar-1126	198	48	0.5	0.5	NUM
ijosar-1126	198	49	for	for	ADP
ijosar-1126	198	50	maximum	maximum	ADJ
ijosar-1126	198	51	sample	sample	NOUN
ijosar-1126	198	52	size	size	NOUN
ijosar-1126	198	53	)	)	PUNCT
ijosar-1126	199	1	d	d	NOUN
ijosar-1126	199	2	=	=	PUNCT
ijosar-1126	199	3	margin	margin	NOUN
ijosar-1126	199	4	of	of	ADP
ijosar-1126	199	5	error	error	NOUN
ijosar-1126	199	6	(	(	PUNCT
ijosar-1126	199	7	0.05	0.05	NUM
ijosar-1126	199	8	)	)	PUNCT
ijosar-1126	199	9	applying	apply	VERB
ijosar-1126	199	10	the	the	DET
ijosar-1126	199	11	values	value	NOUN
ijosar-1126	199	12	:	:	PUNCT
ijosar-1126	199	13	s=	s=	NOUN
ijosar-1126	199	14	thus	thus	ADV
ijosar-1126	199	15	,	,	PUNCT
ijosar-1126	199	16	a	a	DET
ijosar-1126	199	17	sample	sample	NOUN
ijosar-1126	199	18	size	size	NOUN
ijosar-1126	199	19	of	of	ADP
ijosar-1126	199	20	379	379	NUM
ijosar-1126	199	21	smes	sme	NOUN
ijosar-1126	199	22	was	be	AUX
ijosar-1126	199	23	selected	select	VERB
ijosar-1126	199	24	.	.	PUNCT
ijosar-1126	200	1	3.4.2	3.4.2	NUM
ijosar-1126	200	2	sampling	sample	VERB
ijosar-1126	200	3	technique	technique	NOUN
ijosar-1126	200	4	the	the	DET
ijosar-1126	200	5	study	study	NOUN
ijosar-1126	200	6	used	use	VERB
ijosar-1126	200	7	a	a	DET
ijosar-1126	200	8	stratified	stratified	ADJ
ijosar-1126	200	9	random	random	ADJ
ijosar-1126	200	10	sampling	sampling	NOUN
ijosar-1126	200	11	technique	technique	NOUN
ijosar-1126	200	12	,	,	PUNCT
ijosar-1126	200	13	stratifying	stratify	VERB
ijosar-1126	200	14	smes	sme	NOUN
ijosar-1126	200	15	by	by	ADP
ijosar-1126	200	16	sector	sector	NOUN
ijosar-1126	200	17	(	(	PUNCT
ijosar-1126	200	18	retail	retail	NOUN
ijosar-1126	200	19	,	,	PUNCT
ijosar-1126	200	20	manufacturing	manufacturing	NOUN
ijosar-1126	200	21	,	,	PUNCT
ijosar-1126	200	22	services	service	NOUN
ijosar-1126	200	23	,	,	PUNCT
ijosar-1126	200	24	agriculture	agriculture	NOUN
ijosar-1126	200	25	)	)	PUNCT
ijosar-1126	200	26	economic	economic	ADJ
ijosar-1126	200	27	activities	activity	NOUN
ijosar-1126	200	28	.	.	PUNCT
ijosar-1126	201	1	within	within	ADP
ijosar-1126	201	2	each	each	DET
ijosar-1126	201	3	stratum	stratum	NOUN
ijosar-1126	201	4	,	,	PUNCT
ijosar-1126	201	5	simple	simple	ADJ
ijosar-1126	201	6	random	random	ADJ
ijosar-1126	201	7	sampling	sampling	NOUN
ijosar-1126	201	8	was	be	AUX
ijosar-1126	201	9	used	use	VERB
ijosar-1126	201	10	to	to	PART
ijosar-1126	201	11	select	select	VERB
ijosar-1126	201	12	respondents	respondent	NOUN
ijosar-1126	201	13	.	.	PUNCT
ijosar-1126	202	1	this	this	DET
ijosar-1126	202	2	method	method	NOUN
ijosar-1126	202	3	improves	improve	VERB
ijosar-1126	202	4	generalizability	generalizability	NOUN
ijosar-1126	202	5	and	and	CCONJ
ijosar-1126	202	6	minimizes	minimizes	ADJ
ijosar-1126	202	7	sampling	sampling	NOUN
ijosar-1126	202	8	bias	bias	NOUN
ijosar-1126	202	9	.	.	PUNCT
ijosar-1126	203	1	the	the	DET
ijosar-1126	203	2	questionnaire	questionnaire	NOUN
ijosar-1126	203	3	were	be	AUX
ijosar-1126	203	4	validated	validate	VERB
ijosar-1126	203	5	by	by	ADP
ijosar-1126	203	6	two	two	NUM
ijosar-1126	203	7	experts	expert	NOUN
ijosar-1126	203	8	in	in	ADP
ijosar-1126	203	9	administration	administration	NOUN
ijosar-1126	203	10	and	and	CCONJ
ijosar-1126	203	11	a	a	DET
ijosar-1126	203	12	cronbach	cronbach	ADJ
ijosar-1126	203	13	alpha	alpha	NOUN
ijosar-1126	203	14	test	test	NOUN
ijosar-1126	203	15	which	which	PRON
ijosar-1126	203	16	showed	show	VERB
ijosar-1126	203	17	0.81	0.81	NUM
ijosar-1126	203	18	confirming	confirm	VERB
ijosar-1126	203	19	reliability	reliability	NOUN
ijosar-1126	203	20	.	.	PUNCT
ijosar-1126	204	1	the	the	DET
ijosar-1126	204	2	survey	survey	NOUN
ijosar-1126	204	3	was	be	AUX
ijosar-1126	204	4	on	on	ADP
ijosar-1126	204	5	379	379	NUM
ijosar-1126	204	6	respondents	respondent	NOUN
ijosar-1126	204	7	in	in	ADP
ijosar-1126	204	8	the	the	DET
ijosar-1126	204	9	three	three	NUM
ijosar-1126	204	10	districts	district	NOUN
ijosar-1126	204	11	in	in	ADP
ijosar-1126	204	12	kigali(gasabo	kigali(gasabo	PROPN
ijosar-1126	204	13	,	,	PUNCT
ijosar-1126	204	14	nyarugenge	nyarugenge	NOUN
ijosar-1126	204	15	&	&	CCONJ
ijosar-1126	204	16	kicukiro	kicukiro	NOUN
ijosar-1126	204	17	)	)	PUNCT
ijosar-1126	204	18	but	but	CCONJ
ijosar-1126	204	19	2	2	NUM
ijosar-1126	204	20	was	be	AUX
ijosar-1126	204	21	not	not	PART
ijosar-1126	204	22	retrieved	retrieve	VERB
ijosar-1126	204	23	,	,	PUNCT
ijosar-1126	204	24	hence	hence	ADV
ijosar-1126	204	25	377	377	NUM
ijosar-1126	204	26	analyzed	analyze	VERB
ijosar-1126	204	27	.	.	PUNCT
ijosar-1126	205	1	3.9	3.9	NUM
ijosar-1126	205	2	.	.	PUNCT
ijosar-1126	206	1	the	the	DET
ijosar-1126	206	2	model	model	NOUN
ijosar-1126	206	3	specification	specification	NOUN
ijosar-1126	206	4	the	the	DET
ijosar-1126	206	5	model	model	NOUN
ijosar-1126	206	6	specification	specification	NOUN
ijosar-1126	206	7	was	be	AUX
ijosar-1126	206	8	;	;	PUNCT
ijosar-1126	206	9	sme	sme	ADJ
ijosar-1126	206	10	growth	growth	NOUN
ijosar-1126	206	11	=	=	PUNCT
ijosar-1126	207	1	β0	β0	NOUN
ijosar-1126	207	2	+	+	CCONJ
ijosar-1126	207	3	β1(mom	β1(mom	ADJ
ijosar-1126	207	4	)	)	PUNCT
ijosar-1126	208	1	+	+	CCONJ
ijosar-1126	208	2	β	β	X
ijosar-1126	208	3	survival	survival	NOUN
ijosar-1126	208	4	/	/	SYM
ijosar-1126	208	5	longevity	longevity	NOUN
ijosar-1126	208	6	=	=	SYM
ijosar-1126	208	7	β0	β0	NOUN
ijosar-1126	208	8	+	+	CCONJ
ijosar-1126	208	9	β	β	NOUN
ijosar-1126	208	10	market	market	NOUN
ijosar-1126	208	11	expansion	expansion	NOUN
ijosar-1126	209	1	=	=	PUNCT
ijosar-1126	209	2	β0	β0	PROPN
ijosar-1126	210	1	+	+	CCONJ
ijosar-1126	210	2	β	β	X
ijosar-1126	210	3	employement	employement	NOUN
ijosar-1126	210	4	growth	growth	NOUN
ijosar-1126	210	5	=	=	PUNCT
ijosar-1126	210	6	β0	β0	ADJ
ijosar-1126	210	7	international	international	ADJ
ijosar-1126	210	8	journal	journal	NOUN
ijosar-1126	210	9	of	of	ADP
ijosar-1126	210	10	social	social	ADJ
ijosar-1126	210	11	science	science	NOUN
ijosar-1126	210	12	and	and	CCONJ
ijosar-1126	210	13	humanities	humanity	NOUN
ijosar-1126	210	14	research	research	NOUN
ijosar-1126	210	15	2466	2466	NUM
ijosar-1126	210	16	)	)	PUNCT
ijosar-1126	210	17	obiora	obiora	PROPN
ijosar-1126	210	18	peters	peters	PROPN
ijosar-1126	210	19	,	,	PUNCT
ijosar-1126	210	20	emeka	emeka	VERB
ijosar-1126	210	21	phd1	phd1	PROPN
ijosar-1126	210	22	*	*	PROPN
ijosar-1126	210	23	volume	volume	NOUN
ijosar-1126	210	24	08	08	NUM
ijosar-1126	211	1	||	||	PROPN
ijosar-1126	211	2	issue	issue	NOUN
ijosar-1126	211	3	08	08	NUM
ijosar-1126	211	4	||	||	ADJ
ijosar-1126	211	5	financial	financial	ADJ
ijosar-1126	211	6	technology	technology	NOUN
ijosar-1126	211	7	on	on	ADP
ijosar-1126	211	8	the	the	DET
ijosar-1126	211	9	growth	growth	NOUN
ijosar-1126	211	10	of	of	ADP
ijosar-1126	211	11	smes	sme	NOUN
ijosar-1126	211	12	in	in	ADP
ijosar-1126	211	13	rwanda	rwanda	PROPN
ijosar-1126	211	14	(	(	PUNCT
ijosar-1126	211	15	2020	2020	NUM
ijosar-1126	211	16	determining	determine	VERB
ijosar-1126	211	17	a	a	DET
ijosar-1126	211	18	representative	representative	ADJ
ijosar-1126	211	19	sample	sample	NOUN
ijosar-1126	211	20	from	from	ADP
ijosar-1126	211	21	a	a	DET
ijosar-1126	211	22	known	know	VERB
ijosar-1126	211	23	population	population	NOUN
ijosar-1126	211	24	of	of	ADP
ijosar-1126	211	25	25,000	25,000	NUM
ijosar-1126	211	26	.	.	PUNCT
ijosar-1126	212	1	the	the	DET
ijosar-1126	212	2	formula	formula	NOUN
ijosar-1126	212	3	square	square	ADJ
ijosar-1126	212	4	value	value	NOUN
ijosar-1126	212	5	for	for	ADP
ijosar-1126	212	6	1	1	NUM
ijosar-1126	212	7	degree	degree	NOUN
ijosar-1126	212	8	of	of	ADP
ijosar-1126	212	9	freedom	freedom	NOUN
ijosar-1126	212	10	at	at	ADP
ijosar-1126	212	11	95	95	NUM
ijosar-1126	212	12	%	%	NOUN
ijosar-1126	212	13	confidence	confidence	NOUN
ijosar-1126	212	14	level	level	NOUN
ijosar-1126	212	15	(	(	PUNCT
ijosar-1126	212	16	3.841	3.841	NUM
ijosar-1126	212	17	)	)	PUNCT
ijosar-1126	212	18	n	n	NOUN
ijosar-1126	212	19	=	=	NOUN
ijosar-1126	212	20	population	population	NOUN
ijosar-1126	212	21	size	size	NOUN
ijosar-1126	212	22	(	(	PUNCT
ijosar-1126	212	23	25,000	25,000	NUM
ijosar-1126	212	24	smes	sme	NOUN
ijosar-1126	212	25	)	)	PUNCT
ijosar-1126	213	1	p	p	NOUN
ijosar-1126	213	2	=	=	NOUN
ijosar-1126	213	3	population	population	NOUN
ijosar-1126	213	4	proportion	proportion	NOUN
ijosar-1126	213	5	(	(	PUNCT
ijosar-1126	213	6	assumed	assume	VERB
ijosar-1126	213	7	to	to	PART
ijosar-1126	213	8	be	be	AUX
ijosar-1126	213	9	0.5	0.5	NUM
ijosar-1126	213	10	for	for	ADP
ijosar-1126	213	11	maximum	maximum	ADJ
ijosar-1126	213	12	sample	sample	NOUN
ijosar-1126	213	13	size	size	NOUN
ijosar-1126	213	14	)	)	PUNCT
ijosar-1126	213	15	3.841	3.841	NUM
ijosar-1126	213	16	*	*	SYM
ijosar-1126	213	17	25000	25000	NUM
ijosar-1126	213	18	*	*	SYM
ijosar-1126	213	19	0.5*(1−0.5	0.5*(1−0.5	NUM
ijosar-1126	213	20	)	)	PUNCT
ijosar-1126	213	21	=	=	NOUN
ijosar-1126	213	22	379	379	NUM
ijosar-1126	213	23	0.052*(25000	0.052*(25000	NUM
ijosar-1126	213	24	-	-	PUNCT
ijosar-1126	213	25	1)+3.841	1)+3.841	NUM
ijosar-1126	213	26	*	*	SYM
ijosar-1126	213	27	0.5*(1−0.5	0.5*(1−0.5	NUM
ijosar-1126	213	28	)	)	PUNCT
ijosar-1126	213	29	thus	thus	ADV
ijosar-1126	213	30	,	,	PUNCT
ijosar-1126	213	31	a	a	DET
ijosar-1126	213	32	sample	sample	NOUN
ijosar-1126	213	33	size	size	NOUN
ijosar-1126	213	34	of	of	ADP
ijosar-1126	213	35	379	379	NUM
ijosar-1126	213	36	smes	sme	NOUN
ijosar-1126	213	37	was	be	AUX
ijosar-1126	213	38	selected	select	VERB
ijosar-1126	213	39	.	.	PUNCT
ijosar-1126	214	1	3.4.2	3.4.2	NUM
ijosar-1126	214	2	sampling	sample	VERB
ijosar-1126	214	3	technique	technique	NOUN
ijosar-1126	214	4	the	the	DET
ijosar-1126	214	5	study	study	NOUN
ijosar-1126	214	6	used	use	VERB
ijosar-1126	214	7	a	a	DET
ijosar-1126	214	8	stratified	stratified	ADJ
ijosar-1126	214	9	random	random	ADJ
ijosar-1126	214	10	sampling	sampling	NOUN
ijosar-1126	214	11	technique	technique	NOUN
ijosar-1126	214	12	,	,	PUNCT
ijosar-1126	214	13	stratifying	stratify	VERB
ijosar-1126	214	14	smes	sme	NOUN
ijosar-1126	214	15	by	by	ADP
ijosar-1126	214	16	sector	sector	NOUN
ijosar-1126	214	17	(	(	PUNCT
ijosar-1126	214	18	retail	retail	NOUN
ijosar-1126	214	19	,	,	PUNCT
ijosar-1126	214	20	manufacturing	manufacturing	NOUN
ijosar-1126	214	21	,	,	PUNCT
ijosar-1126	214	22	services	service	NOUN
ijosar-1126	214	23	,	,	PUNCT
ijosar-1126	214	24	agriculture	agriculture	NOUN
ijosar-1126	214	25	)	)	PUNCT
ijosar-1126	214	26	to	to	PART
ijosar-1126	214	27	ensure	ensure	VERB
ijosar-1126	214	28	representation	representation	NOUN
ijosar-1126	214	29	across	across	ADP
ijosar-1126	214	30	diverse	diverse	ADJ
ijosar-1126	214	31	economic	economic	ADJ
ijosar-1126	214	32	activities	activity	NOUN
ijosar-1126	214	33	.	.	PUNCT
ijosar-1126	215	1	within	within	ADP
ijosar-1126	215	2	each	each	DET
ijosar-1126	215	3	stratum	stratum	NOUN
ijosar-1126	215	4	,	,	PUNCT
ijosar-1126	215	5	simple	simple	ADJ
ijosar-1126	215	6	random	random	ADJ
ijosar-1126	215	7	sampling	sampling	NOUN
ijosar-1126	215	8	was	be	AUX
ijosar-1126	215	9	used	use	VERB
ijosar-1126	215	10	to	to	PART
ijosar-1126	215	11	select	select	VERB
ijosar-1126	215	12	respondents	respondent	NOUN
ijosar-1126	215	13	.	.	PUNCT
ijosar-1126	216	1	this	this	DET
ijosar-1126	216	2	method	method	NOUN
ijosar-1126	216	3	improves	improve	VERB
ijosar-1126	216	4	generalizability	generalizability	NOUN
ijosar-1126	216	5	and	and	CCONJ
ijosar-1126	216	6	minimizes	minimizes	ADJ
ijosar-1126	216	7	sampling	sampling	NOUN
ijosar-1126	216	8	bias	bias	NOUN
ijosar-1126	216	9	.	.	PUNCT
ijosar-1126	217	1	the	the	DET
ijosar-1126	217	2	questionnaire	questionnaire	NOUN
ijosar-1126	217	3	were	be	AUX
ijosar-1126	217	4	validated	validate	VERB
ijosar-1126	217	5	by	by	ADP
ijosar-1126	217	6	two	two	NUM
ijosar-1126	217	7	experts	expert	NOUN
ijosar-1126	217	8	in	in	ADP
ijosar-1126	217	9	finance	finance	NOUN
ijosar-1126	217	10	,	,	PUNCT
ijosar-1126	217	11	followed	follow	VERB
ijosar-1126	217	12	pilot	pilot	NOUN
ijosar-1126	217	13	,	,	PUNCT
ijosar-1126	217	14	pre	pre	X
ijosar-1126	217	15	test	test	NOUN
ijosar-1126	217	16	administration	administration	NOUN
ijosar-1126	217	17	and	and	CCONJ
ijosar-1126	217	18	a	a	DET
ijosar-1126	217	19	cronbach	cronbach	ADJ
ijosar-1126	217	20	alpha	alpha	NOUN
ijosar-1126	217	21	test	test	NOUN
ijosar-1126	217	22	which	which	PRON
ijosar-1126	217	23	showed	show	VERB
ijosar-1126	217	24	0.81	0.81	NUM
ijosar-1126	217	25	confirming	confirm	VERB
ijosar-1126	217	26	reliability	reliability	NOUN
ijosar-1126	217	27	.	.	PUNCT
ijosar-1126	218	1	the	the	DET
ijosar-1126	218	2	survey	survey	NOUN
ijosar-1126	218	3	was	be	AUX
ijosar-1126	218	4	on	on	ADP
ijosar-1126	218	5	379	379	NUM
ijosar-1126	218	6	respondents	respondent	NOUN
ijosar-1126	218	7	in	in	ADP
ijosar-1126	218	8	the	the	DET
ijosar-1126	218	9	three	three	NUM
ijosar-1126	218	10	districts	district	NOUN
ijosar-1126	218	11	in	in	ADP
ijosar-1126	218	12	kigali(gasabo	kigali(gasabo	PROPN
ijosar-1126	218	13	,	,	PUNCT
ijosar-1126	218	14	nyarugenge	nyarugenge	NOUN
ijosar-1126	218	15	)	)	PUNCT
ijosar-1126	219	1	but	but	CCONJ
ijosar-1126	219	2	2	2	NUM
ijosar-1126	219	3	was	be	AUX
ijosar-1126	219	4	not	not	PART
ijosar-1126	219	5	retrieved	retrieve	VERB
ijosar-1126	219	6	,	,	PUNCT
ijosar-1126	219	7	hence	hence	ADV
ijosar-1126	219	8	377	377	NUM
ijosar-1126	219	9	analyzed	analyze	VERB
ijosar-1126	219	10	.	.	PUNCT
ijosar-1126	220	1	the	the	DET
ijosar-1126	220	2	model	model	NOUN
ijosar-1126	220	3	specification	specification	NOUN
ijosar-1126	220	4	the	the	DET
ijosar-1126	220	5	model	model	NOUN
ijosar-1126	220	6	specification	specification	NOUN
ijosar-1126	220	7	was	be	AUX
ijosar-1126	220	8	;	;	PUNCT
ijosar-1126	220	9	(	(	PUNCT
ijosar-1126	220	10	mom	mom	NOUN
ijosar-1126	220	11	)	)	PUNCT
ijosar-1126	221	1	+	+	NOUN
ijosar-1126	221	2	β2(di	β2(di	NUM
ijosar-1126	221	3	w	w	NOUN
ijosar-1126	221	4	)	)	PUNCT
ijosar-1126	221	5	+	+	CCONJ
ijosar-1126	221	6	β3(dic	β3(dic	NUM
ijosar-1126	221	7	)	)	PUNCT
ijosar-1126	221	8	+	+	CCONJ
ijosar-1126	221	9	ε	ε	PROPN
ijosar-1126	221	10	…	…	PUNCT
ijosar-1126	221	11	…	…	PUNCT
ijosar-1126	221	12	…	…	PUNCT
ijosar-1126	221	13	…	…	PUNCT
ijosar-1126	221	14	…	…	PUNCT
ijosar-1126	221	15	…	…	PUNCT
ijosar-1126	221	16	…	…	SYM
ijosar-1126	221	17	model	model	NOUN
ijosar-1126	221	18	0	0	PUNCT
ijosar-1126	222	1	+	+	CCONJ
ijosar-1126	222	2	β1(mom	β1(mom	ADJ
ijosar-1126	222	3	)	)	PUNCT
ijosar-1126	223	1	+	+	NUM
ijosar-1126	223	2	β2(diw	β2(diw	NOUN
ijosar-1126	223	3	)	)	PUNCT
ijosar-1126	223	4	+	+	CCONJ
ijosar-1126	223	5	β3(dic	β3(dic	X
ijosar-1126	223	6	)	)	PUNCT
ijosar-1126	223	7	+	+	CCONJ
ijosar-1126	223	8	ε…………….model	ε…………….model	NOUN
ijosar-1126	223	9	1	1	NUM
ijosar-1126	223	10	+	+	CCONJ
ijosar-1126	223	11	β1(mom	β1(mom	ADJ
ijosar-1126	223	12	)	)	PUNCT
ijosar-1126	223	13	+	+	NUM
ijosar-1126	223	14	β2(diw	β2(diw	NOUN
ijosar-1126	223	15	)	)	PUNCT
ijosar-1126	223	16	+	+	CCONJ
ijosar-1126	223	17	β3(dic	β3(dic	X
ijosar-1126	223	18	)	)	PUNCT
ijosar-1126	224	1	+	+	CCONJ
ijosar-1126	224	2	ε	ε	VERB
ijosar-1126	224	3	……	……	NOUN
ijosar-1126	224	4	……	……	NOUN
ijosar-1126	224	5	0	0	PUNCT
ijosar-1126	225	1	+	+	CCONJ
ijosar-1126	225	2	β1(mom	β1(mom	ADJ
ijosar-1126	225	3	)	)	PUNCT
ijosar-1126	225	4	+	+	NUM
ijosar-1126	225	5	β2(diw	β2(diw	NOUN
ijosar-1126	225	6	)	)	PUNCT
ijosar-1126	225	7	+	+	CCONJ
ijosar-1126	225	8	β3(dic	β3(dic	X
ijosar-1126	225	9	)	)	PUNCT
ijosar-1126	225	10	+	+	CCONJ
ijosar-1126	225	11	ε	ε	PROPN
ijosar-1126	225	12	…	…	X
ijosar-1126	225	13	……	……	NOUN
ijosar-1126	225	14	model	model	NOUN
ijosar-1126	225	15	3	3	NUM
ijosar-1126	225	16	international	international	ADJ
ijosar-1126	225	17	journal	journal	NOUN
ijosar-1126	225	18	of	of	ADP
ijosar-1126	225	19	social	social	ADJ
ijosar-1126	225	20	science	science	NOUN
ijosar-1126	225	21	and	and	CCONJ
ijosar-1126	225	22	humanities	humanity	NOUN
ijosar-1126	225	23	research	research	NOUN
ijosar-1126	225	24	obiora	obiora	PROPN
ijosar-1126	225	25	peters	peters	PROPN
ijosar-1126	225	26	,	,	PUNCT
ijosar-1126	225	27	emeka	emeka	VERB
ijosar-1126	225	28	phd1	phd1	PROPN
ijosar-1126	225	29	*	*	PROPN
ijosar-1126	225	30	||	||	PROPN
ijosar-1126	226	1	august	august	PROPN
ijosar-1126	226	2	,	,	PUNCT
ijosar-1126	226	3	2025	2025	NUM
ijosar-1126	226	4	||	||	NOUN
ijosar-1126	226	5	financial	financial	ADJ
ijosar-1126	226	6	technology	technology	NOUN
ijosar-1126	226	7	on	on	ADP
ijosar-1126	226	8	the	the	DET
ijosar-1126	226	9	growth	growth	NOUN
ijosar-1126	226	10	of	of	ADP
ijosar-1126	226	11	smes	sme	NOUN
ijosar-1126	226	12	in	in	ADP
ijosar-1126	226	13	rwanda	rwanda	PROPN
ijosar-1126	226	14	(	(	PUNCT
ijosar-1126	226	15	2020	2020	NUM
ijosar-1126	226	16	-	-	SYM
ijosar-1126	226	17	2024	2024	NUM
ijosar-1126	226	18	)	)	PUNCT
ijosar-1126	226	19	"	"	PUNCT
ijosar-1126	226	20	determining	determine	VERB
ijosar-1126	226	21	a	a	DET
ijosar-1126	226	22	representative	representative	ADJ
ijosar-1126	226	23	sample	sample	NOUN
ijosar-1126	226	24	from	from	ADP
ijosar-1126	226	25	a	a	DET
ijosar-1126	226	26	known	know	VERB
ijosar-1126	226	27	population	population	NOUN
ijosar-1126	226	28	of	of	ADP
ijosar-1126	226	29	25,000	25,000	NUM
ijosar-1126	226	30	.	.	PUNCT
ijosar-1126	227	1	the	the	DET
ijosar-1126	227	2	formula	formula	NOUN
ijosar-1126	227	3	square	square	ADJ
ijosar-1126	227	4	value	value	NOUN
ijosar-1126	227	5	for	for	ADP
ijosar-1126	227	6	1	1	NUM
ijosar-1126	227	7	degree	degree	NOUN
ijosar-1126	227	8	of	of	ADP
ijosar-1126	227	9	freedom	freedom	NOUN
ijosar-1126	227	10	at	at	ADP
ijosar-1126	227	11	95	95	NUM
ijosar-1126	227	12	%	%	NOUN
ijosar-1126	227	13	confidence	confidence	NOUN
ijosar-1126	227	14	level	level	NOUN
ijosar-1126	227	15	(	(	PUNCT
ijosar-1126	227	16	3.841	3.841	NUM
ijosar-1126	227	17	)	)	PUNCT
ijosar-1126	227	18	p	p	NOUN
ijosar-1126	228	1	=	=	NOUN
ijosar-1126	228	2	population	population	NOUN
ijosar-1126	228	3	proportion	proportion	NOUN
ijosar-1126	228	4	(	(	PUNCT
ijosar-1126	228	5	assumed	assume	VERB
ijosar-1126	228	6	to	to	PART
ijosar-1126	228	7	be	be	AUX
ijosar-1126	228	8	0.5	0.5	NUM
ijosar-1126	228	9	for	for	ADP
ijosar-1126	228	10	maximum	maximum	ADJ
ijosar-1126	228	11	sample	sample	NOUN
ijosar-1126	228	12	size	size	NOUN
ijosar-1126	228	13	)	)	PUNCT
ijosar-1126	229	1	=	=	SYM
ijosar-1126	229	2	379	379	NUM
ijosar-1126	229	3	the	the	DET
ijosar-1126	229	4	study	study	NOUN
ijosar-1126	229	5	used	use	VERB
ijosar-1126	229	6	a	a	DET
ijosar-1126	229	7	stratified	stratified	ADJ
ijosar-1126	229	8	random	random	ADJ
ijosar-1126	229	9	sampling	sampling	NOUN
ijosar-1126	229	10	technique	technique	NOUN
ijosar-1126	229	11	,	,	PUNCT
ijosar-1126	229	12	stratifying	stratify	VERB
ijosar-1126	229	13	smes	sme	NOUN
ijosar-1126	229	14	by	by	ADP
ijosar-1126	229	15	sector	sector	NOUN
ijosar-1126	229	16	to	to	PART
ijosar-1126	229	17	ensure	ensure	VERB
ijosar-1126	229	18	representation	representation	NOUN
ijosar-1126	229	19	across	across	ADP
ijosar-1126	229	20	diverse	diverse	ADJ
ijosar-1126	229	21	economic	economic	ADJ
ijosar-1126	229	22	activities	activity	NOUN
ijosar-1126	229	23	.	.	PUNCT
ijosar-1126	230	1	within	within	ADP
ijosar-1126	230	2	each	each	DET
ijosar-1126	230	3	stratum	stratum	NOUN
ijosar-1126	230	4	,	,	PUNCT
ijosar-1126	230	5	simple	simple	ADJ
ijosar-1126	230	6	random	random	ADJ
ijosar-1126	230	7	sampling	sampling	NOUN
ijosar-1126	230	8	was	be	AUX
ijosar-1126	230	9	used	use	VERB
ijosar-1126	230	10	to	to	PART
ijosar-1126	230	11	select	select	VERB
ijosar-1126	230	12	respondents	respondent	NOUN
ijosar-1126	230	13	.	.	PUNCT
ijosar-1126	231	1	this	this	DET
ijosar-1126	231	2	method	method	NOUN
ijosar-1126	231	3	improves	improve	VERB
ijosar-1126	231	4	generalizability	generalizability	NOUN
ijosar-1126	231	5	and	and	CCONJ
ijosar-1126	231	6	minimizes	minimizes	ADJ
ijosar-1126	231	7	sampling	sampling	NOUN
ijosar-1126	231	8	bias	bias	NOUN
ijosar-1126	231	9	.	.	PUNCT
ijosar-1126	232	1	finance	finance	NOUN
ijosar-1126	232	2	,	,	PUNCT
ijosar-1126	232	3	followed	follow	VERB
ijosar-1126	232	4	pilot	pilot	NOUN
ijosar-1126	232	5	,	,	PUNCT
ijosar-1126	232	6	pre	pre	X
ijosar-1126	232	7	test	test	NOUN
ijosar-1126	232	8	administration	administration	NOUN
ijosar-1126	232	9	and	and	CCONJ
ijosar-1126	232	10	a	a	DET
ijosar-1126	232	11	cronbach	cronbach	ADJ
ijosar-1126	232	12	alpha	alpha	NOUN
ijosar-1126	232	13	test	test	NOUN
ijosar-1126	232	14	which	which	PRON
ijosar-1126	232	15	showed	show	VERB
ijosar-1126	232	16	0.81	0.81	NUM
ijosar-1126	232	17	confirming	confirm	VERB
ijosar-1126	232	18	reliability	reliability	NOUN
ijosar-1126	232	19	.	.	PUNCT
ijosar-1126	233	1	the	the	DET
ijosar-1126	233	2	survey	survey	NOUN
ijosar-1126	233	3	was	be	AUX
ijosar-1126	233	4	on	on	ADP
ijosar-1126	233	5	379	379	NUM
ijosar-1126	233	6	respondents	respondent	NOUN
ijosar-1126	233	7	in	in	ADP
ijosar-1126	233	8	the	the	DET
ijosar-1126	233	9	three	three	NUM
ijosar-1126	233	10	districts	district	NOUN
ijosar-1126	233	11	in	in	ADP
ijosar-1126	233	12	kigali(gasabo	kigali(gasabo	PROPN
ijosar-1126	233	13	,	,	PUNCT
ijosar-1126	233	14	nyarugenge	nyarugenge	NOUN
ijosar-1126	233	15	(	(	PUNCT
ijosar-1126	233	16	dic	dic	PROPN
ijosar-1126	233	17	)	)	PUNCT
ijosar-1126	233	18	+	+	CCONJ
ijosar-1126	233	19	ε	ε	PROPN
ijosar-1126	233	20	…	…	PUNCT
ijosar-1126	233	21	…	…	PUNCT
ijosar-1126	233	22	…	…	PUNCT
ijosar-1126	233	23	…	…	PUNCT
ijosar-1126	233	24	…	…	PUNCT
ijosar-1126	233	25	…	…	PUNCT
ijosar-1126	233	26	…	…	SYM
ijosar-1126	233	27	model	model	NOUN
ijosar-1126	233	28	0	0	SYM
ijosar-1126	233	29	(	(	PUNCT
ijosar-1126	233	30	dic	dic	PROPN
ijosar-1126	233	31	)	)	PUNCT
ijosar-1126	234	1	+	+	NUM
ijosar-1126	234	2	ε…………….model	ε…………….model	NOUN
ijosar-1126	234	3	1	1	NUM
ijosar-1126	234	4	(	(	PUNCT
ijosar-1126	234	5	dic	dic	NOUN
ijosar-1126	234	6	)	)	PUNCT
ijosar-1126	234	7	+	+	CCONJ
ijosar-1126	234	8	ε	ε	PROPN
ijosar-1126	234	9	……	……	NOUN
ijosar-1126	234	10	……	……	NOUN
ijosar-1126	234	11	model	model	NOUN
ijosar-1126	234	12	2	2	NUM
ijosar-1126	234	13	(	(	PUNCT
ijosar-1126	234	14	dic	dic	NOUN
ijosar-1126	234	15	)	)	PUNCT
ijosar-1126	234	16	+	+	CCONJ
ijosar-1126	234	17	ε	ε	PROPN
ijosar-1126	234	18	…	…	X
ijosar-1126	234	19	……	……	NOUN
ijosar-1126	234	20	model	model	NOUN
ijosar-1126	234	21	3	3	NUM
ijosar-1126	234	22	ijo	ijo	PROPN
ijosar-1126	234	23	journals	journal	NOUN
ijosar-1126	234	24	volume	volume	NOUN
ijosar-1126	234	25	08	08	NUM
ijosar-1126	235	1	|	|	ADV
ijosar-1126	235	2	issue	issue	NOUN
ijosar-1126	235	3	08	08	NUM
ijosar-1126	236	1	|	|	ADV
ijosar-1126	236	2	august	august	PROPN
ijosar-1126	236	3	2025	2025	NUM
ijosar-1126	237	1	|	|	ADV
ijosar-1126	237	2	https://ijojournals.com/index.php/ssh/index	https://ijojournals.com/index.php/ssh/index	NOUN
ijosar-1126	237	3	95	95	NUM
ijosar-1126	237	4	ijointernational	ijointernational	ADJ
ijosar-1126	237	5	journal	journal	NOUN
ijosar-1126	237	6	of	of	ADP
ijosar-1126	237	7	social	social	ADJ
ijosar-1126	237	8	science	science	NOUN
ijosar-1126	237	9	and	and	CCONJ
ijosar-1126	237	10	humanities	humanity	NOUN
ijosar-1126	237	11	research	research	NOUN
ijosar-1126	237	12	(	(	PUNCT
ijosar-1126	237	13	issn	issn	PROPN
ijosar-1126	237	14	2811	2811	NUM
ijosar-1126	237	15	-	-	SYM
ijosar-1126	237	16	2466	2466	NUM
ijosar-1126	237	17	)	)	PUNCT
ijosar-1126	237	18	obiora	obiora	PROPN
ijosar-1126	237	19	peters	peters	PROPN
ijosar-1126	237	20	,	,	PUNCT
ijosar-1126	237	21	emeka	emeka	VERB
ijosar-1126	237	22	phd1	phd1	PROPN
ijosar-1126	237	23	*	*	PUNCT
ijosar-1126	237	24	https://ijojournals.com/	https://ijojournals.com/	PROPN
ijosar-1126	237	25	volume	volume	NOUN
ijosar-1126	237	26	08	08	NUM
ijosar-1126	238	1	||	||	PROPN
ijosar-1126	238	2	issue	issue	NOUN
ijosar-1126	238	3	08	08	NUM
ijosar-1126	238	4	||	||	NOUN
ijosar-1126	238	5	august	august	PROPN
ijosar-1126	238	6	,	,	PUNCT
ijosar-1126	238	7	2025	2025	NUM
ijosar-1126	238	8	||	||	PUNCT
ijosar-1126	239	1	“	"	PUNCT
ijosar-1126	239	2	the	the	DET
ijosar-1126	239	3	impact	impact	NOUN
ijosar-1126	239	4	of	of	ADP
ijosar-1126	239	5	financial	financial	ADJ
ijosar-1126	239	6	technology	technology	NOUN
ijosar-1126	239	7	on	on	ADP
ijosar-1126	239	8	the	the	DET
ijosar-1126	239	9	growth	growth	NOUN
ijosar-1126	239	10	of	of	ADP
ijosar-1126	239	11	smes	sme	NOUN
ijosar-1126	239	12	in	in	ADP
ijosar-1126	239	13	rwanda	rwanda	PROPN
ijosar-1126	239	14	(	(	PUNCT
ijosar-1126	239	15	2020	2020	NUM
ijosar-1126	239	16	-	-	SYM
ijosar-1126	239	17	2024	2024	NUM
ijosar-1126	239	18	)	)	PUNCT
ijosar-1126	239	19	"	"	PUNCT
ijosar-1126	239	20	where	where	SCONJ
ijosar-1126	239	21	:	:	PUNCT
ijosar-1126	239	22	smeg	smeg	PROPN
ijosar-1126	239	23	=	=	SYM
ijosar-1126	239	24	sme	sme	PROPN
ijosar-1126	239	25	growth;mom	growth;mom	PROPN
ijosar-1126	239	26	=	=	PROPN
ijosar-1126	239	27	mobile	mobile	NOUN
ijosar-1126	239	28	money;diw	money;diw	NOUN
ijosar-1126	239	29	=	=	PUNCT
ijosar-1126	239	30	digital	digital	ADJ
ijosar-1126	239	31	wallet	wallet	NOUN
ijosar-1126	239	32	;	;	PUNCT
ijosar-1126	239	33	dic	dic	PROPN
ijosar-1126	239	34	=	=	PROPN
ijosar-1126	239	35	digital	digital	PROPN
ijosar-1126	239	36	credit;emg=	credit;emg=	PROPN
ijosar-1126	239	37	employment	employment	NOUN
ijosar-1126	239	38	growth	growth	NOUN
ijosar-1126	239	39	;	;	PUNCT
ijosar-1126	239	40	mae	mae	PROPN
ijosar-1126	239	41	=	=	PROPN
ijosar-1126	239	42	market	market	NOUN
ijosar-1126	239	43	expansion;sul	expansion;sul	PROPN
ijosar-1126	239	44	=	=	SYM
ijosar-1126	239	45	survival	survival	NOUN
ijosar-1126	239	46	and	and	CCONJ
ijosar-1126	239	47	longevity;β0	longevity;β0	VERB
ijosar-1126	239	48	=	=	SYM
ijosar-1126	239	49	intercept;ε	intercept;ε	NOUN
ijosar-1126	239	50	=	=	NOUN
ijosar-1126	239	51	error	error	NOUN
ijosar-1126	239	52	term	term	NOUN
ijosar-1126	239	53	;	;	PUNCT
ijosar-1126	239	54	β1	β1	PROPN
ijosar-1126	239	55	..	..	SYM
ijosar-1126	239	56	β3=	β3=	NOUN
ijosar-1126	239	57	coefficients	coefficient	VERB
ijosar-1126	239	58	for	for	ADP
ijosar-1126	239	59	the	the	DET
ijosar-1126	239	60	independent	independent	ADJ
ijosar-1126	239	61	variables	variable	NOUN
ijosar-1126	239	62	4.0	4.0	NUM
ijosar-1126	239	63	result	result	NOUN
ijosar-1126	239	64	and	and	CCONJ
ijosar-1126	239	65	discussion	discussion	NOUN
ijosar-1126	239	66	the	the	DET
ijosar-1126	239	67	data	datum	NOUN
ijosar-1126	239	68	collected	collect	VERB
ijosar-1126	239	69	for	for	ADP
ijosar-1126	239	70	this	this	DET
ijosar-1126	239	71	study	study	NOUN
ijosar-1126	239	72	is	be	AUX
ijosar-1126	239	73	analyzed	analyze	VERB
ijosar-1126	239	74	and	and	CCONJ
ijosar-1126	239	75	presented	present	VERB
ijosar-1126	239	76	through	through	ADP
ijosar-1126	239	77	descriptive	descriptive	ADJ
ijosar-1126	239	78	&	&	CCONJ
ijosar-1126	239	79	inferential	inferential	ADJ
ijosar-1126	239	80	statistics	statistic	NOUN
ijosar-1126	239	81	.	.	PUNCT
ijosar-1126	240	1	4.1	4.1	NUM
ijosar-1126	240	2	descriptive	descriptive	ADJ
ijosar-1126	240	3	statistics	statistic	NOUN
ijosar-1126	240	4	the	the	DET
ijosar-1126	240	5	descriptive	descriptive	ADJ
ijosar-1126	240	6	statistics	statistic	NOUN
ijosar-1126	240	7	table	table	NOUN
ijosar-1126	240	8	provides	provide	VERB
ijosar-1126	240	9	an	an	DET
ijosar-1126	240	10	overview	overview	NOUN
ijosar-1126	240	11	of	of	ADP
ijosar-1126	240	12	the	the	DET
ijosar-1126	240	13	central	central	ADJ
ijosar-1126	240	14	tendencies	tendency	NOUN
ijosar-1126	240	15	and	and	CCONJ
ijosar-1126	240	16	variability	variability	NOUN
ijosar-1126	240	17	of	of	ADP
ijosar-1126	240	18	the	the	DET
ijosar-1126	240	19	key	key	ADJ
ijosar-1126	240	20	variables	variable	NOUN
ijosar-1126	240	21	used	use	VERB
ijosar-1126	240	22	to	to	PART
ijosar-1126	240	23	examine	examine	VERB
ijosar-1126	240	24	the	the	DET
ijosar-1126	240	25	impact	impact	NOUN
ijosar-1126	240	26	of	of	ADP
ijosar-1126	240	27	financial	financial	ADJ
ijosar-1126	240	28	technology	technology	NOUN
ijosar-1126	240	29	on	on	ADP
ijosar-1126	240	30	the	the	DET
ijosar-1126	240	31	growth	growth	NOUN
ijosar-1126	240	32	of	of	ADP
ijosar-1126	240	33	smes	sme	NOUN
ijosar-1126	240	34	in	in	ADP
ijosar-1126	240	35	rwandaon	rwandaon	PROPN
ijosar-1126	240	36	377	377	NUM
ijosar-1126	240	37	observations	observation	NOUN
ijosar-1126	240	38	.	.	PUNCT
ijosar-1126	241	1	table	table	NOUN
ijosar-1126	241	2	4	4	NUM
ijosar-1126	241	3	:	:	PUNCT
ijosar-1126	241	4	descriptive	descriptive	ADJ
ijosar-1126	241	5	statistics	statistic	NOUN
ijosar-1126	241	6	variable	variable	ADJ
ijosar-1126	241	7	obs	obs	PROPN
ijosar-1126	241	8	mean	mean	VERB
ijosar-1126	241	9	std	std	PROPN
ijosar-1126	241	10	.	.	PROPN
ijosar-1126	242	1	dev	dev	PROPN
ijosar-1126	242	2	.	.	PUNCT
ijosar-1126	243	1	min	min	PROPN
ijosar-1126	243	2	max	max	PROPN
ijosar-1126	243	3	digital	digital	PROPN
ijosar-1126	243	4	lending	lending	NOUN
ijosar-1126	243	5	access	access	NOUN
ijosar-1126	243	6	377	377	NUM
ijosar-1126	243	7	3.69	3.69	NUM
ijosar-1126	243	8	.497	.497	NUM
ijosar-1126	243	9	2.467	2.467	NUM
ijosar-1126	243	10	4.8	4.8	NUM
ijosar-1126	243	11	mobile	mobile	ADJ
ijosar-1126	243	12	money	money	NOUN
ijosar-1126	243	13	377	377	NUM
ijosar-1126	243	14	3.665	3.665	NUM
ijosar-1126	243	15	.614	.614	NUM
ijosar-1126	243	16	2	2	NUM
ijosar-1126	243	17	4.8	4.8	NUM
ijosar-1126	243	18	digital	digital	ADJ
ijosar-1126	243	19	credit	credit	NOUN
ijosar-1126	243	20	platform	platform	NOUN
ijosar-1126	243	21	377	377	NUM
ijosar-1126	243	22	3.701	3.701	NUM
ijosar-1126	243	23	.499	.499	NUM
ijosar-1126	243	24	2.067	2.067	NUM
ijosar-1126	243	25	4.8	4.8	NUM
ijosar-1126	243	26	digital	digital	ADJ
ijosar-1126	243	27	wallet	wallet	NOUN
ijosar-1126	243	28	377	377	NUM
ijosar-1126	243	29	3.671	3.671	NUM
ijosar-1126	243	30	.663	.663	NUM
ijosar-1126	243	31	1.8	1.8	NUM
ijosar-1126	243	32	5	5	NUM
ijosar-1126	243	33	survival	survival	NOUN
ijosar-1126	243	34	and	and	CCONJ
ijosar-1126	243	35	longevity	longevity	NOUN
ijosar-1126	243	36	377	377	NUM
ijosar-1126	243	37	3.59	3.59	NUM
ijosar-1126	243	38	.924	.924	NUM
ijosar-1126	243	39	1	1	NUM
ijosar-1126	243	40	5	5	NUM
ijosar-1126	243	41	market	market	NOUN
ijosar-1126	243	42	expansion	expansion	NOUN
ijosar-1126	243	43	377	377	NUM
ijosar-1126	243	44	3.603	3.603	NUM
ijosar-1126	243	45	.8	.8	NUM
ijosar-1126	243	46	1	1	NUM
ijosar-1126	243	47	5	5	NUM
ijosar-1126	243	48	employment	employment	NOUN
ijosar-1126	243	49	growth	growth	NOUN
ijosar-1126	243	50	377	377	NUM
ijosar-1126	243	51	3.602	3.602	NUM
ijosar-1126	243	52	.894	.894	NUM
ijosar-1126	243	53	1	1	NUM
ijosar-1126	243	54	5	5	NUM
ijosar-1126	243	55	authors	author	NOUN
ijosar-1126	243	56	computation	computation	VERB
ijosar-1126	243	57	2025	2025	NUM
ijosar-1126	243	58	all	all	DET
ijosar-1126	243	59	four	four	NUM
ijosar-1126	243	60	financial	financial	ADJ
ijosar-1126	243	61	technology	technology	NOUN
ijosar-1126	243	62	indicators	indicator	NOUN
ijosar-1126	243	63	such	such	ADJ
ijosar-1126	243	64	as	as	ADP
ijosar-1126	243	65	digital	digital	ADJ
ijosar-1126	243	66	lending	lending	NOUN
ijosar-1126	243	67	access	access	NOUN
ijosar-1126	243	68	,	,	PUNCT
ijosar-1126	243	69	mobile	mobile	ADJ
ijosar-1126	243	70	money	money	NOUN
ijosar-1126	243	71	,	,	PUNCT
ijosar-1126	243	72	digital	digital	ADJ
ijosar-1126	243	73	credit	credit	NOUN
ijosar-1126	243	74	platforms	platform	NOUN
ijosar-1126	243	75	,	,	PUNCT
ijosar-1126	243	76	and	and	CCONJ
ijosar-1126	243	77	digital	digital	ADJ
ijosar-1126	243	78	wallets	wallet	NOUN
ijosar-1126	243	79	,	,	PUNCT
ijosar-1126	243	80	report	report	VERB
ijosar-1126	243	81	relatively	relatively	ADV
ijosar-1126	243	82	high	high	ADJ
ijosar-1126	243	83	mean	mean	NOUN
ijosar-1126	243	84	scores	score	NOUN
ijosar-1126	243	85	ranging	range	VERB
ijosar-1126	243	86	from	from	ADP
ijosar-1126	243	87	3.665	3.665	NUM
ijosar-1126	243	88	to	to	ADP
ijosar-1126	243	89	3.701	3.701	NUM
ijosar-1126	243	90	,	,	PUNCT
ijosar-1126	243	91	suggesting	suggest	VERB
ijosar-1126	243	92	that	that	SCONJ
ijosar-1126	243	93	respondents	respondent	NOUN
ijosar-1126	243	94	generally	generally	ADV
ijosar-1126	243	95	perceive	perceive	VERB
ijosar-1126	243	96	high	high	ADJ
ijosar-1126	243	97	levels	level	NOUN
ijosar-1126	243	98	of	of	ADP
ijosar-1126	243	99	fintech	fintech	NOUN
ijosar-1126	243	100	adoption	adoption	NOUN
ijosar-1126	243	101	within	within	ADP
ijosar-1126	243	102	their	their	PRON
ijosar-1126	243	103	smes	sme	NOUN
ijosar-1126	243	104	.	.	PUNCT
ijosar-1126	244	1	specifically	specifically	ADV
ijosar-1126	244	2	,	,	PUNCT
ijosar-1126	244	3	digital	digital	ADJ
ijosar-1126	244	4	credit	credit	NOUN
ijosar-1126	244	5	platforms	platform	NOUN
ijosar-1126	244	6	recorded	record	VERB
ijosar-1126	244	7	the	the	DET
ijosar-1126	244	8	highest	high	ADJ
ijosar-1126	244	9	mean	mean	NOUN
ijosar-1126	244	10	of	of	ADP
ijosar-1126	244	11	3.701	3.701	NUM
ijosar-1126	244	12	,	,	PUNCT
ijosar-1126	244	13	indicating	indicate	VERB
ijosar-1126	244	14	strong	strong	ADJ
ijosar-1126	244	15	usage	usage	NOUN
ijosar-1126	244	16	or	or	CCONJ
ijosar-1126	244	17	perception	perception	NOUN
ijosar-1126	244	18	of	of	ADP
ijosar-1126	244	19	this	this	DET
ijosar-1126	244	20	fintech	fintech	NOUN
ijosar-1126	244	21	tool	tool	NOUN
ijosar-1126	244	22	among	among	ADP
ijosar-1126	244	23	rwandan	rwandan	PROPN
ijosar-1126	244	24	smes	sme	NOUN
ijosar-1126	244	25	.	.	PUNCT
ijosar-1126	245	1	the	the	DET
ijosar-1126	245	2	standard	standard	ADJ
ijosar-1126	245	3	deviations	deviation	NOUN
ijosar-1126	245	4	for	for	ADP
ijosar-1126	245	5	these	these	DET
ijosar-1126	245	6	fintech	fintech	NOUN
ijosar-1126	245	7	variables	variable	NOUN
ijosar-1126	245	8	range	range	VERB
ijosar-1126	245	9	from	from	ADP
ijosar-1126	245	10	0.497	0.497	NUM
ijosar-1126	245	11	to	to	ADP
ijosar-1126	245	12	0.663	0.663	NUM
ijosar-1126	245	13	,	,	PUNCT
ijosar-1126	245	14	reflecting	reflect	VERB
ijosar-1126	245	15	moderate	moderate	ADJ
ijosar-1126	245	16	variability	variability	NOUN
ijosar-1126	245	17	in	in	ADP
ijosar-1126	245	18	responses	response	NOUN
ijosar-1126	245	19	.	.	PUNCT
ijosar-1126	246	1	the	the	DET
ijosar-1126	246	2	minimum	minimum	ADJ
ijosar-1126	246	3	and	and	CCONJ
ijosar-1126	246	4	maximum	maximum	ADJ
ijosar-1126	246	5	values	value	NOUN
ijosar-1126	246	6	which	which	PRON
ijosar-1126	246	7	is	be	AUX
ijosar-1126	246	8	2.067	2.067	NUM
ijosar-1126	246	9	to	to	ADP
ijosar-1126	246	10	4.8	4.8	NUM
ijosar-1126	246	11	for	for	ADP
ijosar-1126	246	12	digital	digital	ADJ
ijosar-1126	246	13	credit	credit	NOUN
ijosar-1126	246	14	platform	platform	NOUN
ijosar-1126	246	15	,	,	PUNCT
ijosar-1126	246	16	show	show	VERB
ijosar-1126	246	17	that	that	SCONJ
ijosar-1126	246	18	while	while	SCONJ
ijosar-1126	246	19	most	most	ADJ
ijosar-1126	246	20	respondents	respondent	NOUN
ijosar-1126	246	21	rate	rate	NOUN
ijosar-1126	246	22	fintech	fintech	NOUN
ijosar-1126	246	23	usage	usage	NOUN
ijosar-1126	246	24	highly	highly	ADV
ijosar-1126	246	25	,	,	PUNCT
ijosar-1126	246	26	some	some	PRON
ijosar-1126	246	27	still	still	ADV
ijosar-1126	246	28	experience	experience	VERB
ijosar-1126	246	29	significantly	significantly	ADV
ijosar-1126	246	30	lower	low	ADJ
ijosar-1126	246	31	levels	level	NOUN
ijosar-1126	246	32	of	of	ADP
ijosar-1126	246	33	access	access	NOUN
ijosar-1126	246	34	or	or	CCONJ
ijosar-1126	246	35	adoption	adoption	NOUN
ijosar-1126	246	36	.	.	PUNCT
ijosar-1126	247	1	ijo	ijo	PROPN
ijosar-1126	247	2	journals	journal	NOUN
ijosar-1126	247	3	volume	volume	NOUN
ijosar-1126	247	4	08	08	NUM
ijosar-1126	248	1	|	|	ADV
ijosar-1126	248	2	issue	issue	NOUN
ijosar-1126	248	3	08	08	NUM
ijosar-1126	249	1	|	|	ADV
ijosar-1126	249	2	august	august	PROPN
ijosar-1126	249	3	2025	2025	NUM
ijosar-1126	250	1	|	|	ADV
ijosar-1126	250	2	https://ijojournals.com/index.php/ssh/index	https://ijojournals.com/index.php/ssh/index	NOUN
ijosar-1126	250	3	96	96	NUM
ijosar-1126	250	4	ijointernational	ijointernational	ADJ
ijosar-1126	250	5	journal	journal	NOUN
ijosar-1126	250	6	of	of	ADP
ijosar-1126	250	7	social	social	ADJ
ijosar-1126	250	8	science	science	NOUN
ijosar-1126	250	9	and	and	CCONJ
ijosar-1126	250	10	humanities	humanity	NOUN
ijosar-1126	250	11	research	research	NOUN
ijosar-1126	250	12	(	(	PUNCT
ijosar-1126	250	13	issn	issn	PROPN
ijosar-1126	250	14	2811	2811	NUM
ijosar-1126	250	15	-	-	SYM
ijosar-1126	250	16	2466	2466	NUM
ijosar-1126	250	17	)	)	PUNCT
ijosar-1126	250	18	obiora	obiora	PROPN
ijosar-1126	250	19	peters	peters	PROPN
ijosar-1126	250	20	,	,	PUNCT
ijosar-1126	250	21	emeka	emeka	VERB
ijosar-1126	250	22	phd1	phd1	PROPN
ijosar-1126	250	23	*	*	PUNCT
ijosar-1126	250	24	https://ijojournals.com/	https://ijojournals.com/	PROPN
ijosar-1126	250	25	volume	volume	NOUN
ijosar-1126	250	26	08	08	NUM
ijosar-1126	251	1	||	||	PROPN
ijosar-1126	251	2	issue	issue	NOUN
ijosar-1126	251	3	08	08	NUM
ijosar-1126	251	4	||	||	NOUN
ijosar-1126	251	5	august	august	PROPN
ijosar-1126	251	6	,	,	PUNCT
ijosar-1126	251	7	2025	2025	NUM
ijosar-1126	251	8	||	||	PUNCT
ijosar-1126	252	1	“	"	PUNCT
ijosar-1126	252	2	the	the	DET
ijosar-1126	252	3	impact	impact	NOUN
ijosar-1126	252	4	of	of	ADP
ijosar-1126	252	5	financial	financial	ADJ
ijosar-1126	252	6	technology	technology	NOUN
ijosar-1126	252	7	on	on	ADP
ijosar-1126	252	8	the	the	DET
ijosar-1126	252	9	growth	growth	NOUN
ijosar-1126	252	10	of	of	ADP
ijosar-1126	252	11	smes	sme	NOUN
ijosar-1126	252	12	in	in	ADP
ijosar-1126	252	13	rwanda	rwanda	PROPN
ijosar-1126	252	14	(	(	PUNCT
ijosar-1126	252	15	2020	2020	NUM
ijosar-1126	252	16	-	-	SYM
ijosar-1126	252	17	2024	2024	NUM
ijosar-1126	252	18	)	)	PUNCT
ijosar-1126	252	19	"	"	PUNCT
ijosar-1126	252	20	on	on	ADP
ijosar-1126	252	21	the	the	DET
ijosar-1126	252	22	growth	growth	NOUN
ijosar-1126	252	23	dimensions	dimension	NOUN
ijosar-1126	252	24	of	of	ADP
ijosar-1126	252	25	smes	sme	NOUN
ijosar-1126	252	26	,	,	PUNCT
ijosar-1126	252	27	survival	survival	NOUN
ijosar-1126	252	28	and	and	CCONJ
ijosar-1126	252	29	longevity	longevity	NOUN
ijosar-1126	252	30	,	,	PUNCT
ijosar-1126	252	31	market	market	NOUN
ijosar-1126	252	32	expansion	expansion	NOUN
ijosar-1126	252	33	,	,	PUNCT
ijosar-1126	252	34	and	and	CCONJ
ijosar-1126	252	35	employment	employment	NOUN
ijosar-1126	252	36	growth	growth	NOUN
ijosar-1126	252	37	,	,	PUNCT
ijosar-1126	252	38	the	the	DET
ijosar-1126	252	39	mean	mean	ADJ
ijosar-1126	252	40	scores	score	NOUN
ijosar-1126	252	41	are	be	AUX
ijosar-1126	252	42	slightly	slightly	ADV
ijosar-1126	252	43	lower	low	ADJ
ijosar-1126	252	44	but	but	CCONJ
ijosar-1126	252	45	still	still	ADV
ijosar-1126	252	46	favorable	favorable	ADJ
ijosar-1126	252	47	,	,	PUNCT
ijosar-1126	252	48	ranging	range	VERB
ijosar-1126	252	49	from	from	ADP
ijosar-1126	252	50	3.59	3.59	NUM
ijosar-1126	252	51	to	to	ADP
ijosar-1126	252	52	3.603	3.603	NUM
ijosar-1126	252	53	,	,	PUNCT
ijosar-1126	252	54	suggesting	suggest	VERB
ijosar-1126	252	55	that	that	SCONJ
ijosar-1126	252	56	smes	sme	NOUN
ijosar-1126	252	57	generally	generally	ADV
ijosar-1126	252	58	report	report	VERB
ijosar-1126	252	59	positive	positive	ADJ
ijosar-1126	252	60	outcomes	outcome	NOUN
ijosar-1126	252	61	related	relate	VERB
ijosar-1126	252	62	to	to	ADP
ijosar-1126	252	63	fintech	fintech	NOUN
ijosar-1126	252	64	adoption	adoption	NOUN
ijosar-1126	252	65	.	.	PUNCT
ijosar-1126	253	1	however	however	ADV
ijosar-1126	253	2	,	,	PUNCT
ijosar-1126	253	3	these	these	DET
ijosar-1126	253	4	variables	variable	NOUN
ijosar-1126	253	5	show	show	VERB
ijosar-1126	253	6	greater	great	ADJ
ijosar-1126	253	7	standard	standard	ADJ
ijosar-1126	253	8	deviations	deviation	NOUN
ijosar-1126	253	9	(	(	PUNCT
ijosar-1126	253	10	ranging	range	VERB
ijosar-1126	253	11	from	from	ADP
ijosar-1126	253	12	0.8	0.8	NUM
ijosar-1126	253	13	to	to	ADP
ijosar-1126	253	14	0.924	0.924	NUM
ijosar-1126	253	15	)	)	PUNCT
ijosar-1126	253	16	compared	compare	VERB
ijosar-1126	253	17	to	to	ADP
ijosar-1126	253	18	fintech	fintech	NOUN
ijosar-1126	253	19	indicators	indicator	NOUN
ijosar-1126	253	20	,	,	PUNCT
ijosar-1126	253	21	implying	imply	VERB
ijosar-1126	253	22	a	a	DET
ijosar-1126	253	23	wider	wide	ADJ
ijosar-1126	253	24	variation	variation	NOUN
ijosar-1126	253	25	in	in	ADP
ijosar-1126	253	26	growth	growth	NOUN
ijosar-1126	253	27	experiences	experience	NOUN
ijosar-1126	253	28	among	among	ADP
ijosar-1126	253	29	smes	sme	NOUN
ijosar-1126	253	30	.	.	PUNCT
ijosar-1126	254	1	the	the	DET
ijosar-1126	254	2	minimum	minimum	ADJ
ijosar-1126	254	3	value	value	NOUN
ijosar-1126	254	4	of	of	ADP
ijosar-1126	254	5	1	1	NUM
ijosar-1126	254	6	for	for	ADP
ijosar-1126	254	7	all	all	DET
ijosar-1126	254	8	three	three	NUM
ijosar-1126	254	9	sme	sme	ADJ
ijosar-1126	254	10	growth	growth	NOUN
ijosar-1126	254	11	variables	variable	NOUN
ijosar-1126	254	12	indicates	indicate	VERB
ijosar-1126	254	13	that	that	SCONJ
ijosar-1126	254	14	some	some	DET
ijosar-1126	254	15	firms	firm	NOUN
ijosar-1126	254	16	experience	experience	VERB
ijosar-1126	254	17	little	little	ADJ
ijosar-1126	254	18	to	to	ADP
ijosar-1126	254	19	no	no	DET
ijosar-1126	254	20	growth	growth	NOUN
ijosar-1126	254	21	,	,	PUNCT
ijosar-1126	254	22	while	while	SCONJ
ijosar-1126	254	23	the	the	DET
ijosar-1126	254	24	maximum	maximum	NOUN
ijosar-1126	254	25	of	of	ADP
ijosar-1126	254	26	5	5	NUM
ijosar-1126	254	27	suggests	suggest	VERB
ijosar-1126	254	28	that	that	SCONJ
ijosar-1126	254	29	others	other	NOUN
ijosar-1126	254	30	perceive	perceive	VERB
ijosar-1126	254	31	strong	strong	ADJ
ijosar-1126	254	32	growth	growth	NOUN
ijosar-1126	254	33	,	,	PUNCT
ijosar-1126	254	34	possibly	possibly	ADV
ijosar-1126	254	35	linked	link	VERB
ijosar-1126	254	36	to	to	ADP
ijosar-1126	254	37	fintech	fintech	NOUN
ijosar-1126	254	38	utilization	utilization	NOUN
ijosar-1126	254	39	.	.	PUNCT
ijosar-1126	255	1	it	it	PRON
ijosar-1126	255	2	is	be	AUX
ijosar-1126	255	3	obvious	obvious	ADJ
ijosar-1126	255	4	that	that	SCONJ
ijosar-1126	255	5	,	,	PUNCT
ijosar-1126	255	6	the	the	DET
ijosar-1126	255	7	descriptive	descriptive	ADJ
ijosar-1126	255	8	statistics	statistic	NOUN
ijosar-1126	255	9	suggest	suggest	VERB
ijosar-1126	255	10	that	that	SCONJ
ijosar-1126	255	11	fintech	fintech	NOUN
ijosar-1126	255	12	tools	tool	NOUN
ijosar-1126	255	13	are	be	AUX
ijosar-1126	255	14	generally	generally	ADV
ijosar-1126	255	15	well	well	ADV
ijosar-1126	255	16	-	-	PUNCT
ijosar-1126	255	17	integrated	integrate	VERB
ijosar-1126	255	18	into	into	ADP
ijosar-1126	255	19	sme	sme	NOUN
ijosar-1126	255	20	operations	operation	NOUN
ijosar-1126	255	21	in	in	ADP
ijosar-1126	255	22	rwanda	rwanda	PROPN
ijosar-1126	255	23	,	,	PUNCT
ijosar-1126	255	24	and	and	CCONJ
ijosar-1126	255	25	this	this	DET
ijosar-1126	255	26	integration	integration	NOUN
ijosar-1126	255	27	is	be	AUX
ijosar-1126	255	28	associated	associate	VERB
ijosar-1126	255	29	with	with	ADP
ijosar-1126	255	30	moderately	moderately	ADV
ijosar-1126	255	31	positive	positive	ADJ
ijosar-1126	255	32	growth	growth	NOUN
ijosar-1126	255	33	outcomes	outcome	NOUN
ijosar-1126	255	34	.	.	PUNCT
ijosar-1126	256	1	however	however	ADV
ijosar-1126	256	2	,	,	PUNCT
ijosar-1126	256	3	the	the	DET
ijosar-1126	256	4	observed	observed	ADJ
ijosar-1126	256	5	variability	variability	NOUN
ijosar-1126	256	6	,	,	PUNCT
ijosar-1126	256	7	particularly	particularly	ADV
ijosar-1126	256	8	in	in	ADP
ijosar-1126	256	9	growth	growth	NOUN
ijosar-1126	256	10	metrics	metric	NOUN
ijosar-1126	256	11	,	,	PUNCT
ijosar-1126	256	12	highlights	highlight	VERB
ijosar-1126	256	13	the	the	DET
ijosar-1126	256	14	need	need	NOUN
ijosar-1126	256	15	for	for	ADP
ijosar-1126	256	16	further	further	ADJ
ijosar-1126	256	17	analysis	analysis	NOUN
ijosar-1126	256	18	to	to	PART
ijosar-1126	256	19	explore	explore	VERB
ijosar-1126	256	20	how	how	SCONJ
ijosar-1126	256	21	different	different	ADJ
ijosar-1126	256	22	fintech	fintech	NOUN
ijosar-1126	256	23	tools	tool	NOUN
ijosar-1126	256	24	contribute	contribute	VERB
ijosar-1126	256	25	to	to	ADP
ijosar-1126	256	26	sme	sme	NOUN
ijosar-1126	256	27	performance	performance	NOUN
ijosar-1126	256	28	across	across	ADP
ijosar-1126	256	29	different	different	ADJ
ijosar-1126	256	30	firm	firm	ADJ
ijosar-1126	256	31	contexts	context	NOUN
ijosar-1126	256	32	and	and	CCONJ
ijosar-1126	256	33	characteristics	characteristic	NOUN
ijosar-1126	256	34	.	.	PUNCT
ijosar-1126	257	1	4.3	4.3	NUM
ijosar-1126	257	2	pairwise	pairwise	NOUN
ijosar-1126	257	3	correlations	correlation	VERB
ijosar-1126	257	4	the	the	DET
ijosar-1126	257	5	pairwise	pairwise	NOUN
ijosar-1126	257	6	correlations	correlation	NOUN
ijosar-1126	257	7	table	table	NOUN
ijosar-1126	257	8	provides	provide	VERB
ijosar-1126	257	9	valuable	valuable	ADJ
ijosar-1126	257	10	insights	insight	NOUN
ijosar-1126	257	11	into	into	ADP
ijosar-1126	257	12	the	the	DET
ijosar-1126	257	13	relationships	relationship	NOUN
ijosar-1126	257	14	between	between	ADP
ijosar-1126	257	15	financial	financial	ADJ
ijosar-1126	257	16	technology	technology	NOUN
ijosar-1126	257	17	variables	variable	NOUN
ijosar-1126	257	18	and	and	CCONJ
ijosar-1126	257	19	sme	sme	NOUN
ijosar-1126	257	20	growth	growth	NOUN
ijosar-1126	257	21	indicators	indicator	NOUN
ijosar-1126	257	22	in	in	ADP
ijosar-1126	257	23	rwanda	rwanda	PROPN
ijosar-1126	257	24	.	.	PUNCT
ijosar-1126	258	1	table	table	NOUN
ijosar-1126	258	2	5	5	NUM
ijosar-1126	258	3	pairwise	pairwise	NOUN
ijosar-1126	258	4	correlations	correlation	NOUN
ijosar-1126	258	5	variables	variable	NOUN
ijosar-1126	258	6	(	(	PUNCT
ijosar-1126	258	7	1	1	NUM
ijosar-1126	258	8	)	)	PUNCT
ijosar-1126	258	9	(	(	PUNCT
ijosar-1126	258	10	2	2	NUM
ijosar-1126	258	11	)	)	PUNCT
ijosar-1126	258	12	(	(	PUNCT
ijosar-1126	258	13	3	3	X
ijosar-1126	258	14	)	)	PUNCT
ijosar-1126	258	15	(	(	PUNCT
ijosar-1126	258	16	4	4	NUM
ijosar-1126	258	17	)	)	PUNCT
ijosar-1126	258	18	(	(	PUNCT
ijosar-1126	258	19	5	5	NUM
ijosar-1126	258	20	)	)	PUNCT
ijosar-1126	258	21	(	(	PUNCT
ijosar-1126	258	22	6	6	NUM
ijosar-1126	258	23	)	)	PUNCT
ijosar-1126	258	24	(	(	PUNCT
ijosar-1126	258	25	7	7	NUM
ijosar-1126	258	26	)	)	PUNCT
ijosar-1126	258	27	(	(	PUNCT
ijosar-1126	258	28	1	1	X
ijosar-1126	258	29	)	)	PUNCT
ijosar-1126	258	30	digi	digi	NOUN
ijosar-1126	258	31	lending	lend	VERB
ijosar-1126	258	32	1.000	1.000	NUM
ijosar-1126	258	33	(	(	PUNCT
ijosar-1126	258	34	2	2	NUM
ijosar-1126	258	35	)	)	PUNCT
ijosar-1126	258	36	mobile	mobile	ADJ
ijosar-1126	258	37	money	money	NOUN
ijosar-1126	258	38	0.376	0.376	NUM
ijosar-1126	258	39	1.000	1.000	NUM
ijosar-1126	258	40	(	(	PUNCT
ijosar-1126	258	41	3	3	NUM
ijosar-1126	258	42	)	)	PUNCT
ijosar-1126	258	43	digital	digital	ADJ
ijosar-1126	258	44	wallet	wallet	NOUN
ijosar-1126	258	45	0.442	0.442	NUM
ijosar-1126	258	46	0.945	0.945	NUM
ijosar-1126	258	47	1.000	1.000	NUM
ijosar-1126	258	48	(	(	PUNCT
ijosar-1126	258	49	4	4	NUM
ijosar-1126	258	50	)	)	PUNCT
ijosar-1126	258	51	digi	digi	NOUN
ijosar-1126	258	52	cred	cre	VERB
ijosar-1126	258	53	platform	platform	NOUN
ijosar-1126	258	54	0.731	0.731	NUM
ijosar-1126	258	55	0.321	0.321	NUM
ijosar-1126	258	56	0.233	0.233	NUM
ijosar-1126	258	57	1.000	1.000	NUM
ijosar-1126	258	58	(	(	PUNCT
ijosar-1126	258	59	5	5	NUM
ijosar-1126	258	60	)	)	PUNCT
ijosar-1126	258	61	survival	survival	NOUN
ijosar-1126	258	62	and	and	CCONJ
ijosar-1126	258	63	longevity	longevity	NOUN
ijosar-1126	258	64	0.057	0.057	NUM
ijosar-1126	258	65	0.271	0.271	NUM
ijosar-1126	258	66	0.078	0.078	NUM
ijosar-1126	258	67	0.453	0.453	NUM
ijosar-1126	258	68	1.000	1.000	NUM
ijosar-1126	258	69	(	(	PUNCT
ijosar-1126	258	70	6	6	NUM
ijosar-1126	258	71	)	)	PUNCT
ijosar-1126	258	72	market	market	NOUN
ijosar-1126	258	73	expansion	expansion	NOUN
ijosar-1126	258	74	0.116	0.116	NUM
ijosar-1126	258	75	0.286	0.286	NUM
ijosar-1126	258	76	0.193	0.193	NUM
ijosar-1126	258	77	0.479	0.479	NUM
ijosar-1126	258	78	0.287	0.287	NUM
ijosar-1126	258	79	1.000	1.000	NUM
ijosar-1126	258	80	(	(	PUNCT
ijosar-1126	258	81	7	7	NUM
ijosar-1126	258	82	)	)	PUNCT
ijosar-1126	258	83	employment	employment	NOUN
ijosar-1126	258	84	growth	growth	NOUN
ijosar-1126	258	85	0.103	0.103	NUM
ijosar-1126	258	86	0.316	0.316	NUM
ijosar-1126	258	87	0.321	0.321	NUM
ijosar-1126	258	88	0.098	0.098	NUM
ijosar-1126	258	89	0.027	0.027	NUM
ijosar-1126	258	90	0.466	0.466	NUM
ijosar-1126	258	91	1.000	1.000	NUM
ijosar-1126	258	92	authors	author	NOUN
ijosar-1126	258	93	computation,2025	computation,2025	VERB
ijosar-1126	258	94	the	the	DET
ijosar-1126	258	95	findings	finding	NOUN
ijosar-1126	258	96	suggest	suggest	VERB
ijosar-1126	258	97	that	that	SCONJ
ijosar-1126	258	98	financial	financial	ADJ
ijosar-1126	258	99	technology	technology	NOUN
ijosar-1126	258	100	adoption	adoption	NOUN
ijosar-1126	258	101	is	be	AUX
ijosar-1126	258	102	generally	generally	ADV
ijosar-1126	258	103	positively	positively	ADV
ijosar-1126	258	104	associated	associate	VERB
ijosar-1126	258	105	with	with	ADP
ijosar-1126	258	106	different	different	ADJ
ijosar-1126	258	107	dimensions	dimension	NOUN
ijosar-1126	258	108	of	of	ADP
ijosar-1126	258	109	sme	sme	NOUN
ijosar-1126	258	110	growth	growth	NOUN
ijosar-1126	258	111	,	,	PUNCT
ijosar-1126	258	112	although	although	SCONJ
ijosar-1126	258	113	the	the	DET
ijosar-1126	258	114	strength	strength	NOUN
ijosar-1126	258	115	of	of	ADP
ijosar-1126	258	116	these	these	DET
ijosar-1126	258	117	relationships	relationship	NOUN
ijosar-1126	258	118	varies	vary	VERB
ijosar-1126	258	119	across	across	ADP
ijosar-1126	258	120	tools	tool	NOUN
ijosar-1126	258	121	and	and	CCONJ
ijosar-1126	258	122	outcomes	outcome	NOUN
ijosar-1126	258	123	.	.	PUNCT
ijosar-1126	259	1	ijo	ijo	PROPN
ijosar-1126	259	2	journals	journal	NOUN
ijosar-1126	259	3	volume	volume	NOUN
ijosar-1126	259	4	08	08	NUM
ijosar-1126	260	1	|	|	ADV
ijosar-1126	260	2	issue	issue	NOUN
ijosar-1126	260	3	08	08	NUM
ijosar-1126	261	1	|	|	ADV
ijosar-1126	261	2	august	august	PROPN
ijosar-1126	261	3	2025	2025	NUM
ijosar-1126	262	1	|	|	ADV
ijosar-1126	262	2	https://ijojournals.com/index.php/ssh/index	https://ijojournals.com/index.php/ssh/index	NOUN
ijosar-1126	262	3	97	97	NUM
ijosar-1126	262	4	ijointernational	ijointernational	ADJ
ijosar-1126	262	5	journal	journal	NOUN
ijosar-1126	262	6	of	of	ADP
ijosar-1126	262	7	social	social	ADJ
ijosar-1126	262	8	science	science	NOUN
ijosar-1126	262	9	and	and	CCONJ
ijosar-1126	262	10	humanities	humanity	NOUN
ijosar-1126	262	11	research	research	NOUN
ijosar-1126	262	12	(	(	PUNCT
ijosar-1126	262	13	issn	issn	PROPN
ijosar-1126	262	14	2811	2811	NUM
ijosar-1126	262	15	-	-	SYM
ijosar-1126	262	16	2466	2466	NUM
ijosar-1126	262	17	)	)	PUNCT
ijosar-1126	262	18	obiora	obiora	PROPN
ijosar-1126	262	19	peters	peters	PROPN
ijosar-1126	262	20	,	,	PUNCT
ijosar-1126	262	21	emeka	emeka	VERB
ijosar-1126	262	22	phd1	phd1	PROPN
ijosar-1126	262	23	*	*	PUNCT
ijosar-1126	262	24	https://ijojournals.com/	https://ijojournals.com/	PROPN
ijosar-1126	262	25	volume	volume	NOUN
ijosar-1126	262	26	08	08	NUM
ijosar-1126	263	1	||	||	PROPN
ijosar-1126	263	2	issue	issue	NOUN
ijosar-1126	263	3	08	08	NUM
ijosar-1126	263	4	||	||	NOUN
ijosar-1126	263	5	august	august	PROPN
ijosar-1126	263	6	,	,	PUNCT
ijosar-1126	263	7	2025	2025	NUM
ijosar-1126	263	8	||	||	PUNCT
ijosar-1126	264	1	“	"	PUNCT
ijosar-1126	264	2	the	the	DET
ijosar-1126	264	3	impact	impact	NOUN
ijosar-1126	264	4	of	of	ADP
ijosar-1126	264	5	financial	financial	ADJ
ijosar-1126	264	6	technology	technology	NOUN
ijosar-1126	264	7	on	on	ADP
ijosar-1126	264	8	the	the	DET
ijosar-1126	264	9	growth	growth	NOUN
ijosar-1126	264	10	of	of	ADP
ijosar-1126	264	11	smes	sme	NOUN
ijosar-1126	264	12	in	in	ADP
ijosar-1126	264	13	rwanda	rwanda	PROPN
ijosar-1126	264	14	(	(	PUNCT
ijosar-1126	264	15	2020	2020	NUM
ijosar-1126	264	16	-	-	SYM
ijosar-1126	264	17	2024	2024	NUM
ijosar-1126	264	18	)	)	PUNCT
ijosar-1126	264	19	"	"	PUNCT
ijosar-1126	264	20	among	among	ADP
ijosar-1126	264	21	the	the	DET
ijosar-1126	264	22	fintech	fintech	NOUN
ijosar-1126	264	23	variables	variable	NOUN
ijosar-1126	264	24	,	,	PUNCT
ijosar-1126	264	25	digital	digital	ADJ
ijosar-1126	264	26	lending	lending	NOUN
ijosar-1126	264	27	and	and	CCONJ
ijosar-1126	264	28	digital	digital	ADJ
ijosar-1126	264	29	credit	credit	NOUN
ijosar-1126	264	30	platforms	platform	NOUN
ijosar-1126	264	31	show	show	VERB
ijosar-1126	264	32	a	a	DET
ijosar-1126	264	33	strong	strong	ADJ
ijosar-1126	264	34	positive	positive	ADJ
ijosar-1126	264	35	correlation	correlation	NOUN
ijosar-1126	264	36	(	(	PUNCT
ijosar-1126	264	37	r	r	NOUN
ijosar-1126	264	38	=	=	NOUN
ijosar-1126	264	39	0.731	0.731	NUM
ijosar-1126	264	40	)	)	PUNCT
ijosar-1126	264	41	,	,	PUNCT
ijosar-1126	264	42	implying	imply	VERB
ijosar-1126	264	43	that	that	SCONJ
ijosar-1126	264	44	smes	sme	NOUN
ijosar-1126	264	45	with	with	ADP
ijosar-1126	264	46	access	access	NOUN
ijosar-1126	264	47	to	to	ADP
ijosar-1126	264	48	digital	digital	ADJ
ijosar-1126	264	49	lending	lending	NOUN
ijosar-1126	264	50	services	service	NOUN
ijosar-1126	264	51	are	be	AUX
ijosar-1126	264	52	highly	highly	ADV
ijosar-1126	264	53	likely	likely	ADJ
ijosar-1126	264	54	to	to	PART
ijosar-1126	264	55	use	use	VERB
ijosar-1126	264	56	digital	digital	ADJ
ijosar-1126	264	57	credit	credit	NOUN
ijosar-1126	264	58	platforms	platform	NOUN
ijosar-1126	264	59	as	as	ADV
ijosar-1126	264	60	well	well	ADV
ijosar-1126	264	61	.	.	PUNCT
ijosar-1126	265	1	this	this	PRON
ijosar-1126	265	2	suggests	suggest	VERB
ijosar-1126	265	3	a	a	DET
ijosar-1126	265	4	strong	strong	ADJ
ijosar-1126	265	5	complementarity	complementarity	NOUN
ijosar-1126	265	6	between	between	ADP
ijosar-1126	265	7	these	these	DET
ijosar-1126	265	8	two	two	NUM
ijosar-1126	265	9	fintech	fintech	NOUN
ijosar-1126	265	10	services	service	NOUN
ijosar-1126	265	11	,	,	PUNCT
ijosar-1126	265	12	likely	likely	ADJ
ijosar-1126	265	13	due	due	ADP
ijosar-1126	265	14	to	to	ADP
ijosar-1126	265	15	their	their	PRON
ijosar-1126	265	16	shared	share	VERB
ijosar-1126	265	17	function	function	NOUN
ijosar-1126	265	18	in	in	ADP
ijosar-1126	265	19	providing	provide	VERB
ijosar-1126	265	20	access	access	NOUN
ijosar-1126	265	21	to	to	ADP
ijosar-1126	265	22	credit	credit	NOUN
ijosar-1126	265	23	through	through	ADP
ijosar-1126	265	24	digital	digital	ADJ
ijosar-1126	265	25	means	mean	NOUN
ijosar-1126	265	26	.	.	PUNCT
ijosar-1126	266	1	similarly	similarly	ADV
ijosar-1126	266	2	,	,	PUNCT
ijosar-1126	266	3	the	the	DET
ijosar-1126	266	4	correlation	correlation	NOUN
ijosar-1126	266	5	between	between	ADP
ijosar-1126	266	6	mobile	mobile	ADJ
ijosar-1126	266	7	money	money	NOUN
ijosar-1126	266	8	and	and	CCONJ
ijosar-1126	266	9	digital	digital	ADJ
ijosar-1126	266	10	wallets	wallet	NOUN
ijosar-1126	266	11	is	be	AUX
ijosar-1126	266	12	extremely	extremely	ADV
ijosar-1126	266	13	high	high	ADJ
ijosar-1126	266	14	(	(	PUNCT
ijosar-1126	266	15	r	r	NOUN
ijosar-1126	266	16	=	=	NOUN
ijosar-1126	266	17	0.945	0.945	NUM
ijosar-1126	266	18	)	)	PUNCT
ijosar-1126	266	19	,	,	PUNCT
ijosar-1126	266	20	indicating	indicate	VERB
ijosar-1126	266	21	that	that	SCONJ
ijosar-1126	266	22	these	these	DET
ijosar-1126	266	23	tools	tool	NOUN
ijosar-1126	266	24	are	be	AUX
ijosar-1126	266	25	either	either	CCONJ
ijosar-1126	266	26	used	use	VERB
ijosar-1126	266	27	interchangeably	interchangeably	ADV
ijosar-1126	266	28	or	or	CCONJ
ijosar-1126	266	29	simultaneously	simultaneously	ADV
ijosar-1126	266	30	by	by	ADP
ijosar-1126	266	31	most	most	ADJ
ijosar-1126	266	32	smes	sme	NOUN
ijosar-1126	266	33	.	.	PUNCT
ijosar-1126	267	1	this	this	DET
ijosar-1126	267	2	near	near	ADV
ijosar-1126	267	3	-	-	PUNCT
ijosar-1126	267	4	perfect	perfect	ADJ
ijosar-1126	267	5	association	association	NOUN
ijosar-1126	267	6	reflects	reflect	VERB
ijosar-1126	267	7	the	the	DET
ijosar-1126	267	8	convergence	convergence	NOUN
ijosar-1126	267	9	of	of	ADP
ijosar-1126	267	10	mobile	mobile	ADJ
ijosar-1126	267	11	money	money	NOUN
ijosar-1126	267	12	infrastructure	infrastructure	NOUN
ijosar-1126	267	13	and	and	CCONJ
ijosar-1126	267	14	wallet	wallet	NOUN
ijosar-1126	267	15	-	-	PUNCT
ijosar-1126	267	16	based	base	VERB
ijosar-1126	267	17	applications	application	NOUN
ijosar-1126	267	18	in	in	ADP
ijosar-1126	267	19	digital	digital	ADJ
ijosar-1126	267	20	financial	financial	ADJ
ijosar-1126	267	21	transactions	transaction	NOUN
ijosar-1126	267	22	.	.	PUNCT
ijosar-1126	268	1	however	however	ADV
ijosar-1126	268	2	,	,	PUNCT
ijosar-1126	268	3	this	this	DET
ijosar-1126	268	4	high	high	ADJ
ijosar-1126	268	5	correlation	correlation	NOUN
ijosar-1126	268	6	also	also	ADV
ijosar-1126	268	7	raises	raise	VERB
ijosar-1126	268	8	potential	potential	ADJ
ijosar-1126	268	9	concerns	concern	NOUN
ijosar-1126	268	10	about	about	ADP
ijosar-1126	268	11	multicollinearity	multicollinearity	NOUN
ijosar-1126	268	12	in	in	ADP
ijosar-1126	268	13	regression	regression	NOUN
ijosar-1126	268	14	models	model	NOUN
ijosar-1126	268	15	,	,	PUNCT
ijosar-1126	268	16	as	as	SCONJ
ijosar-1126	268	17	including	include	VERB
ijosar-1126	268	18	both	both	DET
ijosar-1126	268	19	variables	variable	NOUN
ijosar-1126	268	20	may	may	AUX
ijosar-1126	268	21	distort	distort	VERB
ijosar-1126	268	22	the	the	DET
ijosar-1126	268	23	effects	effect	NOUN
ijosar-1126	268	24	of	of	ADP
ijosar-1126	268	25	each	each	PRON
ijosar-1126	268	26	on	on	ADP
ijosar-1126	268	27	sme	sme	ADJ
ijosar-1126	268	28	growth	growth	NOUN
ijosar-1126	268	29	outcomes	outcome	NOUN
ijosar-1126	268	30	.	.	PUNCT
ijosar-1126	269	1	in	in	ADP
ijosar-1126	269	2	examining	examine	VERB
ijosar-1126	269	3	the	the	DET
ijosar-1126	269	4	link	link	NOUN
ijosar-1126	269	5	between	between	ADP
ijosar-1126	269	6	fintech	fintech	NOUN
ijosar-1126	269	7	tools	tool	NOUN
ijosar-1126	269	8	and	and	CCONJ
ijosar-1126	269	9	business	business	NOUN
ijosar-1126	269	10	outcomes	outcome	NOUN
ijosar-1126	269	11	,	,	PUNCT
ijosar-1126	269	12	the	the	DET
ijosar-1126	269	13	digital	digital	ADJ
ijosar-1126	269	14	credit	credit	NOUN
ijosar-1126	269	15	platform	platform	NOUN
ijosar-1126	269	16	stands	stand	VERB
ijosar-1126	269	17	out	out	ADP
ijosar-1126	269	18	with	with	ADP
ijosar-1126	269	19	the	the	DET
ijosar-1126	269	20	strongest	strong	ADJ
ijosar-1126	269	21	correlations	correlation	NOUN
ijosar-1126	269	22	to	to	ADP
ijosar-1126	269	23	sme	sme	ADJ
ijosar-1126	269	24	growth	growth	NOUN
ijosar-1126	269	25	indicators	indicator	NOUN
ijosar-1126	269	26	.	.	PUNCT
ijosar-1126	270	1	specifically	specifically	ADV
ijosar-1126	270	2	,	,	PUNCT
ijosar-1126	270	3	it	it	PRON
ijosar-1126	270	4	shows	show	VERB
ijosar-1126	270	5	a	a	DET
ijosar-1126	270	6	moderate	moderate	ADJ
ijosar-1126	270	7	positive	positive	ADJ
ijosar-1126	270	8	relationship	relationship	NOUN
ijosar-1126	270	9	with	with	ADP
ijosar-1126	270	10	survival	survival	NOUN
ijosar-1126	270	11	and	and	CCONJ
ijosar-1126	270	12	longevity	longevity	NOUN
ijosar-1126	270	13	(	(	PUNCT
ijosar-1126	270	14	r	r	NOUN
ijosar-1126	270	15	=	=	NOUN
ijosar-1126	270	16	0.453	0.453	NUM
ijosar-1126	270	17	)	)	PUNCT
ijosar-1126	270	18	and	and	CCONJ
ijosar-1126	270	19	market	market	NOUN
ijosar-1126	270	20	expansion	expansion	NOUN
ijosar-1126	270	21	(	(	PUNCT
ijosar-1126	270	22	r	r	NOUN
ijosar-1126	270	23	=	=	NOUN
ijosar-1126	270	24	0.479	0.479	NUM
ijosar-1126	270	25	)	)	PUNCT
ijosar-1126	270	26	.	.	PUNCT
ijosar-1126	271	1	this	this	DET
ijosar-1126	271	2	finding	finding	NOUN
ijosar-1126	271	3	supports	support	VERB
ijosar-1126	271	4	the	the	DET
ijosar-1126	271	5	view	view	NOUN
ijosar-1126	271	6	that	that	SCONJ
ijosar-1126	271	7	access	access	NOUN
ijosar-1126	271	8	to	to	ADP
ijosar-1126	271	9	digital	digital	ADJ
ijosar-1126	271	10	credit	credit	NOUN
ijosar-1126	271	11	is	be	AUX
ijosar-1126	271	12	a	a	DET
ijosar-1126	271	13	critical	critical	ADJ
ijosar-1126	271	14	enabler	enabler	NOUN
ijosar-1126	271	15	of	of	ADP
ijosar-1126	271	16	business	business	NOUN
ijosar-1126	271	17	resilience	resilience	NOUN
ijosar-1126	271	18	and	and	CCONJ
ijosar-1126	271	19	growth	growth	NOUN
ijosar-1126	271	20	,	,	PUNCT
ijosar-1126	271	21	particularly	particularly	ADV
ijosar-1126	271	22	by	by	ADP
ijosar-1126	271	23	easing	ease	VERB
ijosar-1126	271	24	liquidity	liquidity	NOUN
ijosar-1126	271	25	constraints	constraint	NOUN
ijosar-1126	271	26	and	and	CCONJ
ijosar-1126	271	27	facilitating	facilitate	VERB
ijosar-1126	271	28	investment	investment	NOUN
ijosar-1126	271	29	.	.	PUNCT
ijosar-1126	272	1	mobile	mobile	ADJ
ijosar-1126	272	2	money	money	NOUN
ijosar-1126	272	3	also	also	ADV
ijosar-1126	272	4	demonstrates	demonstrate	VERB
ijosar-1126	272	5	weak	weak	ADJ
ijosar-1126	272	6	to	to	PART
ijosar-1126	272	7	moderate	moderate	VERB
ijosar-1126	272	8	positive	positive	ADJ
ijosar-1126	272	9	correlations	correlation	NOUN
ijosar-1126	272	10	with	with	ADP
ijosar-1126	272	11	all	all	DET
ijosar-1126	272	12	three	three	NUM
ijosar-1126	272	13	growth	growth	NOUN
ijosar-1126	272	14	outcomes	outcome	NOUN
ijosar-1126	272	15	:	:	PUNCT
ijosar-1126	272	16	survival	survival	NOUN
ijosar-1126	272	17	and	and	CCONJ
ijosar-1126	272	18	longevity	longevity	NOUN
ijosar-1126	272	19	(	(	PUNCT
ijosar-1126	272	20	r	r	NOUN
ijosar-1126	272	21	=	=	NOUN
ijosar-1126	272	22	0.271	0.271	NUM
ijosar-1126	272	23	)	)	PUNCT
ijosar-1126	272	24	,	,	PUNCT
ijosar-1126	272	25	market	market	NOUN
ijosar-1126	272	26	expansion	expansion	NOUN
ijosar-1126	272	27	(	(	PUNCT
ijosar-1126	272	28	r	r	NOUN
ijosar-1126	272	29	=	=	SYM
ijosar-1126	272	30	0.286	0.286	NUM
ijosar-1126	272	31	)	)	PUNCT
ijosar-1126	272	32	,	,	PUNCT
ijosar-1126	272	33	and	and	CCONJ
ijosar-1126	272	34	employment	employment	NOUN
ijosar-1126	272	35	growth	growth	NOUN
ijosar-1126	272	36	(	(	PUNCT
ijosar-1126	272	37	r	r	NOUN
ijosar-1126	272	38	=	=	NOUN
ijosar-1126	272	39	0.316	0.316	NUM
ijosar-1126	272	40	)	)	PUNCT
ijosar-1126	272	41	.	.	PUNCT
ijosar-1126	273	1	these	these	DET
ijosar-1126	273	2	relationships	relationship	NOUN
ijosar-1126	273	3	suggest	suggest	VERB
ijosar-1126	273	4	that	that	SCONJ
ijosar-1126	273	5	mobile	mobile	ADJ
ijosar-1126	273	6	money	money	NOUN
ijosar-1126	273	7	helps	help	VERB
ijosar-1126	273	8	smes	sme	NOUN
ijosar-1126	273	9	manage	manage	VERB
ijosar-1126	273	10	financial	financial	ADJ
ijosar-1126	273	11	transactions	transaction	NOUN
ijosar-1126	273	12	more	more	ADV
ijosar-1126	273	13	efficiently	efficiently	ADV
ijosar-1126	273	14	,	,	PUNCT
ijosar-1126	273	15	supporting	support	VERB
ijosar-1126	273	16	both	both	CCONJ
ijosar-1126	273	17	operational	operational	ADJ
ijosar-1126	273	18	continuity	continuity	NOUN
ijosar-1126	273	19	and	and	CCONJ
ijosar-1126	273	20	gradual	gradual	ADJ
ijosar-1126	273	21	expansion	expansion	NOUN
ijosar-1126	273	22	.	.	PUNCT
ijosar-1126	274	1	digital	digital	ADJ
ijosar-1126	274	2	wallets	wallet	NOUN
ijosar-1126	274	3	show	show	VERB
ijosar-1126	274	4	modest	modest	ADJ
ijosar-1126	274	5	positive	positive	ADJ
ijosar-1126	274	6	correlations	correlation	NOUN
ijosar-1126	274	7	with	with	ADP
ijosar-1126	274	8	employment	employment	NOUN
ijosar-1126	274	9	growth	growth	NOUN
ijosar-1126	274	10	(	(	PUNCT
ijosar-1126	274	11	r	r	NOUN
ijosar-1126	274	12	=	=	NOUN
ijosar-1126	274	13	0.321	0.321	NUM
ijosar-1126	274	14	)	)	PUNCT
ijosar-1126	274	15	and	and	CCONJ
ijosar-1126	274	16	market	market	NOUN
ijosar-1126	274	17	expansion	expansion	NOUN
ijosar-1126	274	18	(	(	PUNCT
ijosar-1126	274	19	r	r	NOUN
ijosar-1126	274	20	=	=	NOUN
ijosar-1126	274	21	0.193	0.193	NUM
ijosar-1126	274	22	)	)	PUNCT
ijosar-1126	274	23	.	.	PUNCT
ijosar-1126	275	1	these	these	DET
ijosar-1126	275	2	results	result	NOUN
ijosar-1126	275	3	imply	imply	VERB
ijosar-1126	275	4	that	that	SCONJ
ijosar-1126	275	5	digital	digital	ADJ
ijosar-1126	275	6	payment	payment	NOUN
ijosar-1126	275	7	tools	tool	NOUN
ijosar-1126	275	8	may	may	AUX
ijosar-1126	275	9	contribute	contribute	VERB
ijosar-1126	275	10	to	to	ADP
ijosar-1126	275	11	scaling	scale	VERB
ijosar-1126	275	12	operations	operation	NOUN
ijosar-1126	275	13	and	and	CCONJ
ijosar-1126	275	14	hiring	hire	VERB
ijosar-1126	275	15	by	by	ADP
ijosar-1126	275	16	improving	improve	VERB
ijosar-1126	275	17	transactional	transactional	ADJ
ijosar-1126	275	18	efficiency	efficiency	NOUN
ijosar-1126	275	19	,	,	PUNCT
ijosar-1126	275	20	particularly	particularly	ADV
ijosar-1126	275	21	in	in	ADP
ijosar-1126	275	22	customer	customer	NOUN
ijosar-1126	275	23	-	-	PUNCT
ijosar-1126	275	24	facing	facing	NOUN
ijosar-1126	275	25	or	or	CCONJ
ijosar-1126	275	26	digital	digital	ADJ
ijosar-1126	275	27	service	service	NOUN
ijosar-1126	275	28	sectors	sector	NOUN
ijosar-1126	275	29	.	.	PUNCT
ijosar-1126	276	1	in	in	ADP
ijosar-1126	276	2	contrast	contrast	NOUN
ijosar-1126	276	3	,	,	PUNCT
ijosar-1126	276	4	digital	digital	ADJ
ijosar-1126	276	5	lending	lending	NOUN
ijosar-1126	276	6	has	have	VERB
ijosar-1126	276	7	relatively	relatively	ADV
ijosar-1126	276	8	weak	weak	ADJ
ijosar-1126	276	9	correlations	correlation	NOUN
ijosar-1126	276	10	with	with	ADP
ijosar-1126	276	11	sme	sme	ADJ
ijosar-1126	276	12	growth	growth	NOUN
ijosar-1126	276	13	outcomes	outcome	NOUN
ijosar-1126	276	14	,	,	PUNCT
ijosar-1126	276	15	such	such	ADJ
ijosar-1126	276	16	as	as	ADP
ijosar-1126	276	17	survival	survival	NOUN
ijosar-1126	276	18	(	(	PUNCT
ijosar-1126	276	19	r	r	NOUN
ijosar-1126	276	20	=	=	NOUN
ijosar-1126	276	21	0.057	0.057	NUM
ijosar-1126	276	22	)	)	PUNCT
ijosar-1126	276	23	,	,	PUNCT
ijosar-1126	276	24	market	market	NOUN
ijosar-1126	276	25	expansion	expansion	NOUN
ijosar-1126	276	26	(	(	PUNCT
ijosar-1126	276	27	r	r	NOUN
ijosar-1126	276	28	=	=	SYM
ijosar-1126	276	29	0.116	0.116	NUM
ijosar-1126	276	30	)	)	PUNCT
ijosar-1126	276	31	,	,	PUNCT
ijosar-1126	276	32	and	and	CCONJ
ijosar-1126	276	33	employment	employment	NOUN
ijosar-1126	276	34	(	(	PUNCT
ijosar-1126	276	35	r	r	NOUN
ijosar-1126	276	36	=	=	NOUN
ijosar-1126	276	37	0.103	0.103	NUM
ijosar-1126	276	38	)	)	PUNCT
ijosar-1126	276	39	,	,	PUNCT
ijosar-1126	276	40	despite	despite	SCONJ
ijosar-1126	276	41	its	its	PRON
ijosar-1126	276	42	strong	strong	ADJ
ijosar-1126	276	43	association	association	NOUN
ijosar-1126	276	44	with	with	ADP
ijosar-1126	276	45	digital	digital	ADJ
ijosar-1126	276	46	credit	credit	NOUN
ijosar-1126	276	47	use	use	NOUN
ijosar-1126	276	48	.	.	PUNCT
ijosar-1126	277	1	this	this	PRON
ijosar-1126	277	2	may	may	AUX
ijosar-1126	277	3	suggest	suggest	VERB
ijosar-1126	277	4	that	that	SCONJ
ijosar-1126	277	5	the	the	DET
ijosar-1126	277	6	effect	effect	NOUN
ijosar-1126	277	7	of	of	ADP
ijosar-1126	277	8	digital	digital	ADJ
ijosar-1126	277	9	lending	lending	NOUN
ijosar-1126	277	10	on	on	ADP
ijosar-1126	277	11	business	business	NOUN
ijosar-1126	277	12	growth	growth	NOUN
ijosar-1126	277	13	is	be	AUX
ijosar-1126	277	14	indirect	indirect	ADJ
ijosar-1126	277	15	or	or	CCONJ
ijosar-1126	277	16	moderated	moderate	VERB
ijosar-1126	277	17	by	by	ADP
ijosar-1126	277	18	other	other	ADJ
ijosar-1126	277	19	variables	variable	NOUN
ijosar-1126	277	20	like	like	ADP
ijosar-1126	277	21	loan	loan	NOUN
ijosar-1126	277	22	size	size	NOUN
ijosar-1126	277	23	,	,	PUNCT
ijosar-1126	277	24	repayment	repayment	NOUN
ijosar-1126	277	25	terms	term	NOUN
ijosar-1126	277	26	,	,	PUNCT
ijosar-1126	277	27	or	or	CCONJ
ijosar-1126	277	28	financial	financial	ADJ
ijosar-1126	277	29	literacy	literacy	NOUN
ijosar-1126	277	30	.	.	PUNCT
ijosar-1126	278	1	ijo	ijo	PROPN
ijosar-1126	278	2	journals	journal	NOUN
ijosar-1126	278	3	volume	volume	NOUN
ijosar-1126	278	4	08	08	NUM
ijosar-1126	279	1	|	|	ADV
ijosar-1126	279	2	issue	issue	NOUN
ijosar-1126	279	3	08	08	NUM
ijosar-1126	280	1	|	|	ADV
ijosar-1126	280	2	august	august	PROPN
ijosar-1126	280	3	2025	2025	NUM
ijosar-1126	281	1	|	|	ADV
ijosar-1126	281	2	https://ijojournals.com/index.php/ssh/index	https://ijojournals.com/index.php/ssh/index	NOUN
ijosar-1126	281	3	98	98	NUM
ijosar-1126	281	4	ijointernational	ijointernational	ADJ
ijosar-1126	281	5	journal	journal	NOUN
ijosar-1126	281	6	of	of	ADP
ijosar-1126	281	7	social	social	ADJ
ijosar-1126	281	8	science	science	NOUN
ijosar-1126	281	9	and	and	CCONJ
ijosar-1126	281	10	humanities	humanity	NOUN
ijosar-1126	281	11	research	research	NOUN
ijosar-1126	281	12	(	(	PUNCT
ijosar-1126	281	13	issn	issn	PROPN
ijosar-1126	281	14	2811	2811	NUM
ijosar-1126	281	15	-	-	SYM
ijosar-1126	281	16	2466	2466	NUM
ijosar-1126	281	17	)	)	PUNCT
ijosar-1126	281	18	obiora	obiora	PROPN
ijosar-1126	281	19	peters	peters	PROPN
ijosar-1126	281	20	,	,	PUNCT
ijosar-1126	281	21	emeka	emeka	VERB
ijosar-1126	281	22	phd1	phd1	PROPN
ijosar-1126	281	23	*	*	PUNCT
ijosar-1126	281	24	https://ijojournals.com/	https://ijojournals.com/	PROPN
ijosar-1126	281	25	volume	volume	NOUN
ijosar-1126	281	26	08	08	NUM
ijosar-1126	282	1	||	||	PROPN
ijosar-1126	282	2	issue	issue	NOUN
ijosar-1126	282	3	08	08	NUM
ijosar-1126	282	4	||	||	NOUN
ijosar-1126	282	5	august	august	PROPN
ijosar-1126	282	6	,	,	PUNCT
ijosar-1126	282	7	2025	2025	NUM
ijosar-1126	282	8	||	||	PUNCT
ijosar-1126	283	1	“	"	PUNCT
ijosar-1126	283	2	the	the	DET
ijosar-1126	283	3	impact	impact	NOUN
ijosar-1126	283	4	of	of	ADP
ijosar-1126	283	5	financial	financial	ADJ
ijosar-1126	283	6	technology	technology	NOUN
ijosar-1126	283	7	on	on	ADP
ijosar-1126	283	8	the	the	DET
ijosar-1126	283	9	growth	growth	NOUN
ijosar-1126	283	10	of	of	ADP
ijosar-1126	283	11	smes	sme	NOUN
ijosar-1126	283	12	in	in	ADP
ijosar-1126	283	13	rwanda	rwanda	PROPN
ijosar-1126	283	14	(	(	PUNCT
ijosar-1126	283	15	2020	2020	NUM
ijosar-1126	283	16	-	-	SYM
ijosar-1126	283	17	2024	2024	NUM
ijosar-1126	283	18	)	)	PUNCT
ijosar-1126	283	19	"	"	PUNCT
ijosar-1126	283	20	the	the	DET
ijosar-1126	283	21	implications	implication	NOUN
ijosar-1126	283	22	of	of	ADP
ijosar-1126	283	23	these	these	DET
ijosar-1126	283	24	findings	finding	NOUN
ijosar-1126	283	25	are	be	AUX
ijosar-1126	283	26	significant	significant	ADJ
ijosar-1126	283	27	.	.	PUNCT
ijosar-1126	284	1	first	first	ADV
ijosar-1126	284	2	,	,	PUNCT
ijosar-1126	284	3	the	the	DET
ijosar-1126	284	4	high	high	ADJ
ijosar-1126	284	5	interconnection	interconnection	NOUN
ijosar-1126	284	6	between	between	ADP
ijosar-1126	284	7	mobile	mobile	ADJ
ijosar-1126	284	8	money	money	NOUN
ijosar-1126	284	9	and	and	CCONJ
ijosar-1126	284	10	digital	digital	ADJ
ijosar-1126	284	11	wallets	wallet	NOUN
ijosar-1126	284	12	underscores	underscore	VERB
ijosar-1126	284	13	the	the	DET
ijosar-1126	284	14	need	need	NOUN
ijosar-1126	284	15	for	for	ADP
ijosar-1126	284	16	coordinated	coordinate	VERB
ijosar-1126	284	17	regulatory	regulatory	ADJ
ijosar-1126	284	18	and	and	CCONJ
ijosar-1126	284	19	infrastructural	infrastructural	ADJ
ijosar-1126	284	20	policies	policy	NOUN
ijosar-1126	284	21	to	to	PART
ijosar-1126	284	22	avoid	avoid	VERB
ijosar-1126	284	23	duplication	duplication	NOUN
ijosar-1126	284	24	and	and	CCONJ
ijosar-1126	284	25	promote	promote	VERB
ijosar-1126	284	26	interoperability	interoperability	NOUN
ijosar-1126	284	27	.	.	PUNCT
ijosar-1126	285	1	second	second	ADJ
ijosar-1126	285	2	,	,	PUNCT
ijosar-1126	285	3	the	the	DET
ijosar-1126	285	4	strong	strong	ADJ
ijosar-1126	285	5	association	association	NOUN
ijosar-1126	285	6	between	between	ADP
ijosar-1126	285	7	digital	digital	ADJ
ijosar-1126	285	8	credit	credit	NOUN
ijosar-1126	285	9	platforms	platform	NOUN
ijosar-1126	285	10	and	and	CCONJ
ijosar-1126	285	11	sme	sme	NOUN
ijosar-1126	285	12	performance	performance	NOUN
ijosar-1126	285	13	suggests	suggest	VERB
ijosar-1126	285	14	that	that	SCONJ
ijosar-1126	285	15	scaling	scale	VERB
ijosar-1126	285	16	these	these	DET
ijosar-1126	285	17	platforms	platform	NOUN
ijosar-1126	285	18	could	could	AUX
ijosar-1126	285	19	be	be	AUX
ijosar-1126	285	20	a	a	DET
ijosar-1126	285	21	powerful	powerful	ADJ
ijosar-1126	285	22	strategy	strategy	NOUN
ijosar-1126	285	23	for	for	ADP
ijosar-1126	285	24	supporting	support	VERB
ijosar-1126	285	25	entrepreneurship	entrepreneurship	NOUN
ijosar-1126	285	26	in	in	ADP
ijosar-1126	285	27	rwanda	rwanda	PROPN
ijosar-1126	285	28	.	.	PUNCT
ijosar-1126	286	1	third	third	ADV
ijosar-1126	286	2	,	,	PUNCT
ijosar-1126	286	3	the	the	DET
ijosar-1126	286	4	varying	vary	VERB
ijosar-1126	286	5	correlation	correlation	NOUN
ijosar-1126	286	6	levels	level	NOUN
ijosar-1126	286	7	call	call	VERB
ijosar-1126	286	8	for	for	ADP
ijosar-1126	286	9	a	a	DET
ijosar-1126	286	10	differentiated	differentiated	ADJ
ijosar-1126	286	11	approach	approach	NOUN
ijosar-1126	286	12	to	to	ADP
ijosar-1126	286	13	fintech	fintech	NOUN
ijosar-1126	286	14	policy	policy	NOUN
ijosar-1126	286	15	,	,	PUNCT
ijosar-1126	286	16	recognizing	recognize	VERB
ijosar-1126	286	17	that	that	SCONJ
ijosar-1126	286	18	not	not	PART
ijosar-1126	286	19	all	all	DET
ijosar-1126	286	20	tools	tool	NOUN
ijosar-1126	286	21	contribute	contribute	VERB
ijosar-1126	286	22	equally	equally	ADV
ijosar-1126	286	23	to	to	ADP
ijosar-1126	286	24	business	business	NOUN
ijosar-1126	286	25	development	development	NOUN
ijosar-1126	286	26	.	.	PUNCT
ijosar-1126	287	1	finally	finally	ADV
ijosar-1126	287	2	,	,	PUNCT
ijosar-1126	287	3	researchers	researcher	NOUN
ijosar-1126	287	4	should	should	AUX
ijosar-1126	287	5	be	be	AUX
ijosar-1126	287	6	cautious	cautious	ADJ
ijosar-1126	287	7	when	when	SCONJ
ijosar-1126	287	8	using	use	VERB
ijosar-1126	287	9	highly	highly	ADV
ijosar-1126	287	10	correlated	correlate	VERB
ijosar-1126	287	11	variables	variable	NOUN
ijosar-1126	287	12	in	in	ADP
ijosar-1126	287	13	the	the	DET
ijosar-1126	287	14	same	same	ADJ
ijosar-1126	287	15	statistical	statistical	ADJ
ijosar-1126	287	16	models	model	NOUN
ijosar-1126	287	17	,	,	PUNCT
ijosar-1126	287	18	as	as	SCONJ
ijosar-1126	287	19	multicollinearity	multicollinearity	NOUN
ijosar-1126	287	20	may	may	AUX
ijosar-1126	287	21	bias	bias	VERB
ijosar-1126	287	22	the	the	DET
ijosar-1126	287	23	results	result	NOUN
ijosar-1126	287	24	and	and	CCONJ
ijosar-1126	287	25	mask	mask	VERB
ijosar-1126	287	26	individual	individual	ADJ
ijosar-1126	287	27	effects	effect	NOUN
ijosar-1126	287	28	.	.	PUNCT
ijosar-1126	288	1	4.4	4.4	NUM
ijosar-1126	288	2	model	model	NOUN
ijosar-1126	288	3	1	1	NUM
ijosar-1126	288	4	:	:	PUNCT
ijosar-1126	288	5	survival	survival	NOUN
ijosar-1126	288	6	and	and	CCONJ
ijosar-1126	288	7	longevity	longevity	NOUN
ijosar-1126	288	8	linear	linear	PROPN
ijosar-1126	288	9	regression	regression	NOUN
ijosar-1126	288	10	this	this	DET
ijosar-1126	288	11	model	model	NOUN
ijosar-1126	288	12	includes	include	VERB
ijosar-1126	288	13	four	four	NUM
ijosar-1126	288	14	fintech	fintech	NOUN
ijosar-1126	288	15	variables	variable	NOUN
ijosar-1126	288	16	:	:	PUNCT
ijosar-1126	288	17	digital	digital	ADJ
ijosar-1126	288	18	credit	credit	NOUN
ijosar-1126	288	19	platform	platform	NOUN
ijosar-1126	288	20	(	(	PUNCT
ijosar-1126	288	21	dcp	dcp	NOUN
ijosar-1126	288	22	)	)	PUNCT
ijosar-1126	288	23	,	,	PUNCT
ijosar-1126	288	24	digital	digital	ADJ
ijosar-1126	288	25	wallet	wallet	NOUN
ijosar-1126	288	26	(	(	PUNCT
ijosar-1126	288	27	dw	dw	NOUN
ijosar-1126	288	28	)	)	PUNCT
ijosar-1126	288	29	,	,	PUNCT
ijosar-1126	288	30	mobile	mobile	ADJ
ijosar-1126	288	31	money	money	NOUN
ijosar-1126	288	32	(	(	PUNCT
ijosar-1126	288	33	mm	mm	NOUN
ijosar-1126	288	34	)	)	PUNCT
ijosar-1126	288	35	,	,	PUNCT
ijosar-1126	288	36	and	and	CCONJ
ijosar-1126	288	37	digital	digital	ADJ
ijosar-1126	288	38	lending	lending	NOUN
ijosar-1126	288	39	(	(	PUNCT
ijosar-1126	288	40	dl	dl	PROPN
ijosar-1126	288	41	)	)	PUNCT
ijosar-1126	288	42	.	.	PUNCT
ijosar-1126	289	1	the	the	DET
ijosar-1126	289	2	linear	linear	PROPN
ijosar-1126	289	3	regression	regression	NOUN
ijosar-1126	289	4	model	model	NOUN
ijosar-1126	289	5	analyzing	analyze	VERB
ijosar-1126	289	6	the	the	DET
ijosar-1126	289	7	impact	impact	NOUN
ijosar-1126	289	8	of	of	ADP
ijosar-1126	289	9	financial	financial	ADJ
ijosar-1126	289	10	technology	technology	NOUN
ijosar-1126	289	11	(	(	PUNCT
ijosar-1126	289	12	fintech	fintech	NOUN
ijosar-1126	289	13	)	)	PUNCT
ijosar-1126	289	14	on	on	ADP
ijosar-1126	289	15	the	the	DET
ijosar-1126	289	16	survival	survival	NOUN
ijosar-1126	289	17	and	and	CCONJ
ijosar-1126	289	18	longevity	longevity	NOUN
ijosar-1126	289	19	(	(	PUNCT
ijosar-1126	289	20	sl	sl	NOUN
ijosar-1126	289	21	)	)	PUNCT
ijosar-1126	289	22	of	of	ADP
ijosar-1126	289	23	smes	sme	NOUN
ijosar-1126	289	24	in	in	ADP
ijosar-1126	289	25	rwanda	rwanda	PROPN
ijosar-1126	289	26	provides	provide	VERB
ijosar-1126	289	27	strong	strong	ADJ
ijosar-1126	289	28	and	and	CCONJ
ijosar-1126	289	29	statistically	statistically	ADV
ijosar-1126	289	30	significant	significant	ADJ
ijosar-1126	289	31	evidence	evidence	NOUN
ijosar-1126	289	32	on	on	ADP
ijosar-1126	289	33	the	the	DET
ijosar-1126	289	34	role	role	NOUN
ijosar-1126	289	35	of	of	ADP
ijosar-1126	289	36	various	various	ADJ
ijosar-1126	289	37	fintech	fintech	NOUN
ijosar-1126	289	38	tools	tool	NOUN
ijosar-1126	289	39	in	in	ADP
ijosar-1126	289	40	business	business	NOUN
ijosar-1126	289	41	continuity	continuity	NOUN
ijosar-1126	289	42	and	and	CCONJ
ijosar-1126	289	43	resilience	resilience	NOUN
ijosar-1126	289	44	.	.	PUNCT
ijosar-1126	290	1	table	table	NOUN
ijosar-1126	290	2	6	6	NUM
ijosar-1126	290	3	:	:	PUNCT
ijosar-1126	290	4	survival	survival	NOUN
ijosar-1126	290	5	and	and	CCONJ
ijosar-1126	290	6	longevity	longevity	NOUN
ijosar-1126	290	7	linear	linear	PROPN
ijosar-1126	290	8	regression	regression	NOUN
ijosar-1126	290	9	sl	sl	PROPN
ijosar-1126	290	10	coef	coef	PROPN
ijosar-1126	290	11	.	.	PUNCT
ijosar-1126	291	1	st.err	st.err	PROPN
ijosar-1126	291	2	.	.	PROPN
ijosar-1126	292	1	t	t	NOUN
ijosar-1126	292	2	-	-	PUNCT
ijosar-1126	292	3	value	value	NOUN
ijosar-1126	292	4	p	p	NOUN
ijosar-1126	292	5	-	-	PUNCT
ijosar-1126	292	6	value	value	NOUN
ijosar-1126	292	7	[	[	X
ijosar-1126	292	8	95	95	NUM
ijosar-1126	292	9	%	%	NOUN
ijosar-1126	292	10	conf	conf	NOUN
ijosar-1126	292	11	interval	interval	NOUN
ijosar-1126	292	12	]	]	PUNCT
ijosar-1126	292	13	sig	sig	NOUN
ijosar-1126	292	14	dcp	dcp	NOUN
ijosar-1126	292	15	1.061	1.061	NUM
ijosar-1126	292	16	.13	.13	NUM
ijosar-1126	292	17	8.18	8.18	NUM
ijosar-1126	292	18	0.001	0.001	NUM
ijosar-1126	292	19	.806	.806	NUM
ijosar-1126	292	20	1.316	1.316	NUM
ijosar-1126	292	21	*	*	PUNCT
ijosar-1126	292	22	*	*	PUNCT
ijosar-1126	292	23	*	*	PUNCT
ijosar-1126	292	24	dw	dw	PROPN
ijosar-1126	292	25	-1.4	-1.4	PROPN
ijosar-1126	292	26	.213	.213	NUM
ijosar-1126	292	27	-6.59	-6.59	NUM
ijosar-1126	292	28	0.003	0.003	NUM
ijosar-1126	292	29	-1.818	-1.818	PUNCT
ijosar-1126	292	30	-.982	-.982	NOUN
ijosar-1126	293	1	*	*	PUNCT
ijosar-1126	293	2	*	*	PUNCT
ijosar-1126	294	1	*	*	PUNCT
ijosar-1126	294	2	mm	mm	NUM
ijosar-1126	294	3	1.764	1.764	NUM
ijosar-1126	294	4	.22	.22	NUM
ijosar-1126	294	5	8.00	8.00	NUM
ijosar-1126	295	1	0.000	0.000	NUM
ijosar-1126	295	2	1.331	1.331	NUM
ijosar-1126	295	3	2.198	2.198	NUM
ijosar-1126	295	4	*	*	PUNCT
ijosar-1126	295	5	*	*	PUNCT
ijosar-1126	295	6	*	*	PUNCT
ijosar-1126	295	7	dl	dl	PROPN
ijosar-1126	295	8	-.667	-.667	PROPN
ijosar-1126	295	9	.135	.135	NUM
ijosar-1126	295	10	-4.93	-4.93	NUM
ijosar-1126	295	11	0.001	0.001	NUM
ijosar-1126	295	12	-.933	-.933	NOUN
ijosar-1126	295	13	-.401	-.401	PROPN
ijosar-1126	295	14	*	*	PUNCT
ijosar-1126	295	15	*	*	PUNCT
ijosar-1126	295	16	*	*	PUNCT
ijosar-1126	295	17	constant	constant	ADJ
ijosar-1126	295	18	.801	.801	NUM
ijosar-1126	295	19	.3	.3	NUM
ijosar-1126	295	20	2.67	2.67	NUM
ijosar-1126	295	21	0.008	0.008	NUM
ijosar-1126	295	22	.212	.212	NUM
ijosar-1126	295	23	1.391	1.391	NUM
ijosar-1126	295	24	*	*	PUNCT
ijosar-1126	295	25	*	*	PUNCT
ijosar-1126	295	26	*	*	PUNCT
ijosar-1126	295	27	mean	mean	VERB
ijosar-1126	295	28	dependent	dependent	ADJ
ijosar-1126	295	29	var	var	NOUN
ijosar-1126	295	30	3.590	3.590	NUM
ijosar-1126	295	31	sd	sd	ADP
ijosar-1126	295	32	dependent	dependent	ADJ
ijosar-1126	295	33	var	var	NOUN
ijosar-1126	295	34	0.924	0.924	NUM
ijosar-1126	295	35	r	r	NOUN
ijosar-1126	295	36	-	-	PUNCT
ijosar-1126	295	37	squared	square	VERB
ijosar-1126	295	38	0.479	0.479	NUM
ijosar-1126	295	39	number	number	NOUN
ijosar-1126	295	40	of	of	ADP
ijosar-1126	295	41	obs	obs	PROPN
ijosar-1126	295	42	377	377	NUM
ijosar-1126	295	43	f	f	X
ijosar-1126	295	44	-	-	PUNCT
ijosar-1126	295	45	test	test	NOUN
ijosar-1126	295	46	85.496	85.496	NUM
ijosar-1126	295	47	prob	prob	NOUN
ijosar-1126	295	48	>	>	X
ijosar-1126	295	49	f	f	PROPN
ijosar-1126	295	50	0.000	0.000	NUM
ijosar-1126	295	51	akaike	akaike	ADJ
ijosar-1126	295	52	crit	crit	NOUN
ijosar-1126	295	53	.	.	PUNCT
ijosar-1126	296	1	(	(	PUNCT
ijosar-1126	296	2	aic	aic	PROPN
ijosar-1126	296	3	)	)	PUNCT
ijosar-1126	296	4	773.232	773.232	NUM
ijosar-1126	296	5	bayesian	bayesian	NOUN
ijosar-1126	296	6	crit	crit	NOUN
ijosar-1126	296	7	.	.	PUNCT
ijosar-1126	297	1	(	(	PUNCT
ijosar-1126	297	2	bic	bic	NOUN
ijosar-1126	297	3	)	)	PUNCT
ijosar-1126	297	4	792.893	792.893	NUM
ijosar-1126	297	5	authors	author	NOUN
ijosar-1126	297	6	computation	computation	VERB
ijosar-1126	297	7	2025	2025	NUM
ijosar-1126	297	8	basing	base	VERB
ijosar-1126	297	9	from	from	ADP
ijosar-1126	297	10	the	the	DET
ijosar-1126	297	11	model	model	NOUN
ijosar-1126	297	12	,	,	PUNCT
ijosar-1126	297	13	the	the	DET
ijosar-1126	297	14	digital	digital	ADJ
ijosar-1126	297	15	credit	credit	NOUN
ijosar-1126	297	16	platform	platform	NOUN
ijosar-1126	297	17	(	(	PUNCT
ijosar-1126	297	18	dcp	dcp	NOUN
ijosar-1126	297	19	)	)	PUNCT
ijosar-1126	297	20	shows	show	VERB
ijosar-1126	297	21	a	a	DET
ijosar-1126	297	22	positive	positive	ADJ
ijosar-1126	297	23	and	and	CCONJ
ijosar-1126	297	24	statistically	statistically	ADV
ijosar-1126	297	25	significant	significant	ADJ
ijosar-1126	297	26	coefficient	coefficient	NOUN
ijosar-1126	297	27	of	of	ADP
ijosar-1126	297	28	1.061	1.061	NUM
ijosar-1126	297	29	(	(	PUNCT
ijosar-1126	297	30	p	p	X
ijosar-1126	297	31	<	<	X
ijosar-1126	297	32	0.001),mobile	0.001),mobile	NUM
ijosar-1126	297	33	money	money	NOUN
ijosar-1126	297	34	(	(	PUNCT
ijosar-1126	297	35	mm	mm	NOUN
ijosar-1126	297	36	)	)	PUNCT
ijosar-1126	297	37	has	have	VERB
ijosar-1126	297	38	an	an	DET
ijosar-1126	297	39	even	even	ADV
ijosar-1126	297	40	higher	high	ADJ
ijosar-1126	297	41	positive	positive	ADJ
ijosar-1126	297	42	and	and	CCONJ
ijosar-1126	297	43	significant	significant	ADJ
ijosar-1126	297	44	coefficient	coefficient	NOUN
ijosar-1126	297	45	of	of	ADP
ijosar-1126	297	46	1.764	1.764	NUM
ijosar-1126	297	47	(	(	PUNCT
ijosar-1126	297	48	p	p	X
ijosar-1126	297	49	<	<	X
ijosar-1126	297	50	0.001	0.001	NUM
ijosar-1126	297	51	)	)	PUNCT
ijosar-1126	297	52	,	,	PUNCT
ijosar-1126	297	53	digital	digital	ADJ
ijosar-1126	297	54	wallet	wallet	NOUN
ijosar-1126	297	55	(	(	PUNCT
ijosar-1126	297	56	dw	dw	NOUN
ijosar-1126	297	57	)	)	PUNCT
ijosar-1126	297	58	presents	present	VERB
ijosar-1126	297	59	a	a	DET
ijosar-1126	297	60	negative	negative	ADJ
ijosar-1126	297	61	coefficient	coefficient	NOUN
ijosar-1126	297	62	of	of	ADP
ijosar-1126	297	63	-1.4	-1.4	PROPN
ijosar-1126	297	64	(	(	PUNCT
ijosar-1126	297	65	p	p	X
ijosar-1126	297	66	<	<	X
ijosar-1126	297	67	0.001	0.001	NUM
ijosar-1126	297	68	)	)	PUNCT
ijosar-1126	297	69	,	,	PUNCT
ijosar-1126	297	70	digital	digital	ADJ
ijosar-1126	297	71	lending	lending	NOUN
ijosar-1126	297	72	(	(	PUNCT
ijosar-1126	297	73	dl	dl	INTJ
ijosar-1126	297	74	)	)	PUNCT
ijosar-1126	297	75	is	be	AUX
ijosar-1126	297	76	0.667	0.667	NUM
ijosar-1126	297	77	,	,	PUNCT
ijosar-1126	297	78	and	and	CCONJ
ijosar-1126	297	79	a	a	DET
ijosar-1126	297	80	p	p	NOUN
ijosar-1126	297	81	-	-	PUNCT
ijosar-1126	297	82	value	value	NOUN
ijosar-1126	297	83	of	of	ADP
ijosar-1126	297	84	0.000	0.000	NUM
ijosar-1126	297	85	.	.	PUNCT
ijosar-1126	298	1	ijo	ijo	PROPN
ijosar-1126	298	2	journals	journal	NOUN
ijosar-1126	298	3	volume	volume	NOUN
ijosar-1126	298	4	08	08	NUM
ijosar-1126	299	1	|	|	ADV
ijosar-1126	299	2	issue	issue	NOUN
ijosar-1126	299	3	08	08	NUM
ijosar-1126	300	1	|	|	ADV
ijosar-1126	300	2	august	august	PROPN
ijosar-1126	300	3	2025	2025	NUM
ijosar-1126	300	4	|	|	ADV
ijosar-1126	300	5	https://ijojournals.com/index.php/ssh/index	https://ijojournals.com/index.php/ssh/index	NOUN
ijosar-1126	300	6	99	99	NUM
ijosar-1126	300	7	ijointernational	ijointernational	ADJ
ijosar-1126	300	8	journal	journal	NOUN
ijosar-1126	300	9	of	of	ADP
ijosar-1126	300	10	social	social	ADJ
ijosar-1126	300	11	science	science	NOUN
ijosar-1126	300	12	and	and	CCONJ
ijosar-1126	300	13	humanities	humanity	NOUN
ijosar-1126	300	14	research	research	NOUN
ijosar-1126	300	15	(	(	PUNCT
ijosar-1126	300	16	issn	issn	PROPN
ijosar-1126	300	17	2811	2811	NUM
ijosar-1126	300	18	-	-	SYM
ijosar-1126	300	19	2466	2466	NUM
ijosar-1126	300	20	)	)	PUNCT
ijosar-1126	300	21	obiora	obiora	PROPN
ijosar-1126	300	22	peters	peters	PROPN
ijosar-1126	300	23	,	,	PUNCT
ijosar-1126	300	24	emeka	emeka	VERB
ijosar-1126	300	25	phd1	phd1	PROPN
ijosar-1126	300	26	*	*	PUNCT
ijosar-1126	300	27	https://ijojournals.com/	https://ijojournals.com/	PROPN
ijosar-1126	300	28	volume	volume	NOUN
ijosar-1126	300	29	08	08	NUM
ijosar-1126	301	1	||	||	PROPN
ijosar-1126	301	2	issue	issue	NOUN
ijosar-1126	301	3	08	08	NUM
ijosar-1126	301	4	||	||	NOUN
ijosar-1126	301	5	august	august	PROPN
ijosar-1126	301	6	,	,	PUNCT
ijosar-1126	301	7	2025	2025	NUM
ijosar-1126	301	8	||	||	PUNCT
ijosar-1126	302	1	“	"	PUNCT
ijosar-1126	302	2	the	the	DET
ijosar-1126	302	3	impact	impact	NOUN
ijosar-1126	302	4	of	of	ADP
ijosar-1126	302	5	financial	financial	ADJ
ijosar-1126	302	6	technology	technology	NOUN
ijosar-1126	302	7	on	on	ADP
ijosar-1126	302	8	the	the	DET
ijosar-1126	302	9	growth	growth	NOUN
ijosar-1126	302	10	of	of	ADP
ijosar-1126	302	11	smes	sme	NOUN
ijosar-1126	302	12	in	in	ADP
ijosar-1126	302	13	rwanda	rwanda	PROPN
ijosar-1126	302	14	(	(	PUNCT
ijosar-1126	302	15	2020	2020	NUM
ijosar-1126	302	16	-	-	SYM
ijosar-1126	302	17	2024	2024	NUM
ijosar-1126	302	18	)	)	PUNCT
ijosar-1126	302	19	"	"	PUNCT
ijosar-1126	302	20	the	the	DET
ijosar-1126	302	21	r	r	NOUN
ijosar-1126	302	22	-	-	PUNCT
ijosar-1126	302	23	squared	square	VERB
ijosar-1126	302	24	(	(	PUNCT
ijosar-1126	302	25	0.479	0.479	NUM
ijosar-1126	302	26	)	)	PUNCT
ijosar-1126	302	27	indicates	indicate	VERB
ijosar-1126	302	28	that	that	SCONJ
ijosar-1126	302	29	approximately	approximately	ADV
ijosar-1126	302	30	48	48	NUM
ijosar-1126	302	31	%	%	NOUN
ijosar-1126	302	32	of	of	ADP
ijosar-1126	302	33	the	the	DET
ijosar-1126	302	34	variability	variability	NOUN
ijosar-1126	302	35	in	in	ADP
ijosar-1126	302	36	the	the	DET
ijosar-1126	302	37	survival	survival	NOUN
ijosar-1126	302	38	and	and	CCONJ
ijosar-1126	302	39	longevity	longevity	NOUN
ijosar-1126	302	40	of	of	ADP
ijosar-1126	302	41	smes	sme	NOUN
ijosar-1126	302	42	is	be	AUX
ijosar-1126	302	43	explained	explain	VERB
ijosar-1126	302	44	by	by	ADP
ijosar-1126	302	45	the	the	DET
ijosar-1126	302	46	four	four	NUM
ijosar-1126	302	47	financial	financial	ADJ
ijosar-1126	302	48	technology	technology	NOUN
ijosar-1126	302	49	variables	variable	NOUN
ijosar-1126	302	50	(	(	PUNCT
ijosar-1126	302	51	digital	digital	ADJ
ijosar-1126	302	52	credit	credit	NOUN
ijosar-1126	302	53	platform	platform	NOUN
ijosar-1126	302	54	,	,	PUNCT
ijosar-1126	302	55	digital	digital	ADJ
ijosar-1126	302	56	wallet	wallet	NOUN
ijosar-1126	302	57	,	,	PUNCT
ijosar-1126	302	58	mobile	mobile	ADJ
ijosar-1126	302	59	money	money	NOUN
ijosar-1126	302	60	,	,	PUNCT
ijosar-1126	302	61	and	and	CCONJ
ijosar-1126	302	62	digital	digital	ADJ
ijosar-1126	302	63	lending	lending	NOUN
ijosar-1126	302	64	)	)	PUNCT
ijosar-1126	302	65	.	.	PUNCT
ijosar-1126	303	1	this	this	PRON
ijosar-1126	303	2	suggests	suggest	VERB
ijosar-1126	303	3	a	a	DET
ijosar-1126	303	4	moderately	moderately	ADV
ijosar-1126	303	5	strong	strong	ADJ
ijosar-1126	303	6	explanatory	explanatory	ADJ
ijosar-1126	303	7	power	power	NOUN
ijosar-1126	303	8	,	,	PUNCT
ijosar-1126	303	9	which	which	PRON
ijosar-1126	303	10	is	be	AUX
ijosar-1126	303	11	quite	quite	ADV
ijosar-1126	303	12	meaningful	meaningful	ADJ
ijosar-1126	303	13	in	in	ADP
ijosar-1126	303	14	social	social	ADJ
ijosar-1126	303	15	science	science	NOUN
ijosar-1126	303	16	research	research	NOUN
ijosar-1126	303	17	where	where	SCONJ
ijosar-1126	303	18	multiple	multiple	ADJ
ijosar-1126	303	19	external	external	ADJ
ijosar-1126	303	20	factors	factor	NOUN
ijosar-1126	303	21	influence	influence	VERB
ijosar-1126	303	22	sme	sme	NOUN
ijosar-1126	303	23	outcomes	outcome	NOUN
ijosar-1126	303	24	.	.	PUNCT
ijosar-1126	304	1	mean	mean	VERB
ijosar-1126	304	2	dependent	dependent	ADJ
ijosar-1126	304	3	variable	variable	NOUN
ijosar-1126	304	4	(	(	PUNCT
ijosar-1126	304	5	3.590	3.590	NUM
ijosar-1126	304	6	)	)	PUNCT
ijosar-1126	304	7	and	and	CCONJ
ijosar-1126	304	8	standard	standard	ADJ
ijosar-1126	304	9	deviation	deviation	NOUN
ijosar-1126	304	10	(	(	PUNCT
ijosar-1126	304	11	0.924	0.924	NUM
ijosar-1126	304	12	)	)	PUNCT
ijosar-1126	304	13	from	from	ADP
ijosar-1126	304	14	377	377	NUM
ijosar-1126	304	15	observations	observation	NOUN
ijosar-1126	304	16	suggests	suggest	VERB
ijosar-1126	304	17	a	a	DET
ijosar-1126	304	18	moderate	moderate	ADJ
ijosar-1126	304	19	-	-	PUNCT
ijosar-1126	304	20	to	to	ADP
ijosar-1126	304	21	-	-	PUNCT
ijosar-1126	304	22	high	high	ADJ
ijosar-1126	304	23	level	level	NOUN
ijosar-1126	304	24	of	of	ADP
ijosar-1126	304	25	survival	survival	NOUN
ijosar-1126	304	26	perception	perception	NOUN
ijosar-1126	304	27	across	across	ADP
ijosar-1126	304	28	the	the	DET
ijosar-1126	304	29	sample	sample	NOUN
ijosar-1126	304	30	,	,	PUNCT
ijosar-1126	304	31	while	while	SCONJ
ijosar-1126	304	32	the	the	DET
ijosar-1126	304	33	standard	standard	ADJ
ijosar-1126	304	34	deviation	deviation	NOUN
ijosar-1126	304	35	reflects	reflect	VERB
ijosar-1126	304	36	some	some	DET
ijosar-1126	304	37	variation	variation	NOUN
ijosar-1126	304	38	among	among	ADP
ijosar-1126	304	39	smes	sme	NOUN
ijosar-1126	304	40	.	.	PUNCT
ijosar-1126	305	1	the	the	DET
ijosar-1126	305	2	f	f	NOUN
ijosar-1126	305	3	-	-	PUNCT
ijosar-1126	305	4	test	test	NOUN
ijosar-1126	305	5	statistic	statistic	NOUN
ijosar-1126	305	6	(	(	PUNCT
ijosar-1126	305	7	85.496	85.496	NUM
ijosar-1126	305	8	)	)	PUNCT
ijosar-1126	305	9	and	and	CCONJ
ijosar-1126	305	10	its	its	PRON
ijosar-1126	305	11	associated	associated	ADJ
ijosar-1126	305	12	p	p	NOUN
ijosar-1126	305	13	-	-	PUNCT
ijosar-1126	305	14	value	value	NOUN
ijosar-1126	305	15	(	(	PUNCT
ijosar-1126	305	16	0.000	0.000	NUM
ijosar-1126	305	17	)	)	PUNCT
ijosar-1126	305	18	test	test	NOUN
ijosar-1126	305	19	the	the	DET
ijosar-1126	305	20	null	null	ADJ
ijosar-1126	305	21	hypothesis	hypothesis	NOUN
ijosar-1126	305	22	that	that	PRON
ijosar-1126	305	23	all	all	DET
ijosar-1126	305	24	the	the	DET
ijosar-1126	305	25	regression	regression	NOUN
ijosar-1126	305	26	coefficients	coefficient	NOUN
ijosar-1126	305	27	are	be	AUX
ijosar-1126	305	28	simultaneously	simultaneously	ADV
ijosar-1126	305	29	equal	equal	ADJ
ijosar-1126	305	30	to	to	ADP
ijosar-1126	305	31	zero	zero	NUM
ijosar-1126	305	32	.	.	PUNCT
ijosar-1126	306	1	the	the	DET
ijosar-1126	306	2	highly	highly	ADV
ijosar-1126	306	3	significant	significant	ADJ
ijosar-1126	306	4	result	result	NOUN
ijosar-1126	306	5	(	(	PUNCT
ijosar-1126	306	6	p	p	X
ijosar-1126	306	7	<	<	X
ijosar-1126	306	8	0.001	0.001	NUM
ijosar-1126	306	9	)	)	PUNCT
ijosar-1126	306	10	confirms	confirm	VERB
ijosar-1126	306	11	that	that	SCONJ
ijosar-1126	306	12	,	,	PUNCT
ijosar-1126	306	13	as	as	ADP
ijosar-1126	306	14	a	a	DET
ijosar-1126	306	15	group	group	NOUN
ijosar-1126	306	16	,	,	PUNCT
ijosar-1126	306	17	the	the	DET
ijosar-1126	306	18	independent	independent	ADJ
ijosar-1126	306	19	variables	variable	NOUN
ijosar-1126	306	20	significantly	significantly	ADV
ijosar-1126	306	21	predict	predict	VERB
ijosar-1126	306	22	sme	sme	PROPN
ijosar-1126	306	23	survival	survival	NOUN
ijosar-1126	306	24	and	and	CCONJ
ijosar-1126	306	25	longevity	longevity	NOUN
ijosar-1126	306	26	.	.	PUNCT
ijosar-1126	307	1	4.5	4.5	NUM
ijosar-1126	307	2	model	model	NOUN
ijosar-1126	307	3	2	2	NUM
ijosar-1126	307	4	:	:	PUNCT
ijosar-1126	307	5	market	market	NOUN
ijosar-1126	307	6	expansion	expansion	NOUN
ijosar-1126	307	7	linear	linear	ADJ
ijosar-1126	307	8	regression	regression	NOUN
ijosar-1126	307	9	this	this	DET
ijosar-1126	307	10	linear	linear	ADJ
ijosar-1126	307	11	regression	regression	NOUN
ijosar-1126	307	12	results	result	NOUN
ijosar-1126	307	13	examines	examine	VERB
ijosar-1126	307	14	the	the	DET
ijosar-1126	307	15	effect	effect	NOUN
ijosar-1126	307	16	of	of	ADP
ijosar-1126	307	17	financial	financial	ADJ
ijosar-1126	307	18	technology	technology	NOUN
ijosar-1126	307	19	on	on	ADP
ijosar-1126	307	20	market	market	NOUN
ijosar-1126	307	21	expansion	expansion	NOUN
ijosar-1126	307	22	among	among	ADP
ijosar-1126	307	23	smes	sme	NOUN
ijosar-1126	307	24	in	in	ADP
ijosar-1126	307	25	rwanda	rwanda	PROPN
ijosar-1126	307	26	.	.	PUNCT
ijosar-1126	308	1	table	table	NOUN
ijosar-1126	308	2	7	7	NUM
ijosar-1126	308	3	:	:	PUNCT
ijosar-1126	308	4	market	market	NOUN
ijosar-1126	308	5	expansion	expansion	NOUN
ijosar-1126	308	6	linear	linear	NOUN
ijosar-1126	308	7	regression	regression	VERB
ijosar-1126	308	8	me	i	PRON
ijosar-1126	308	9	coef	coef	PROPN
ijosar-1126	308	10	.	.	PUNCT
ijosar-1126	309	1	st.err	st.err	PROPN
ijosar-1126	309	2	.	.	PROPN
ijosar-1126	310	1	t	t	NOUN
ijosar-1126	310	2	-	-	PUNCT
ijosar-1126	310	3	value	value	NOUN
ijosar-1126	310	4	p	p	NOUN
ijosar-1126	310	5	-	-	PUNCT
ijosar-1126	310	6	value	value	NOUN
ijosar-1126	310	7	[	[	X
ijosar-1126	310	8	95	95	NUM
ijosar-1126	310	9	%	%	NOUN
ijosar-1126	310	10	conf	conf	NOUN
ijosar-1126	310	11	interval	interval	NOUN
ijosar-1126	310	12	]	]	PUNCT
ijosar-1126	310	13	sig	sig	NOUN
ijosar-1126	310	14	dcp	dcp	NOUN
ijosar-1126	310	15	1.55	1.55	NUM
ijosar-1126	310	16	.119	.119	NUM
ijosar-1126	310	17	12.97	12.97	NUM
ijosar-1126	310	18	0.000	0.000	NUM
ijosar-1126	310	19	1.315	1.315	NUM
ijosar-1126	310	20	1.785	1.785	NUM
ijosar-1126	310	21	*	*	PUNCT
ijosar-1126	310	22	*	*	PUNCT
ijosar-1126	310	23	*	*	PUNCT
ijosar-1126	310	24	dw	dw	PROPN
ijosar-1126	310	25	.61	.61	NUM
ijosar-1126	310	26	.196	.196	NUM
ijosar-1126	310	27	3.11	3.11	NUM
ijosar-1126	310	28	0.002	0.002	NUM
ijosar-1126	310	29	.225	.225	NUM
ijosar-1126	310	30	.995	.995	NUM
ijosar-1126	311	1	*	*	PUNCT
ijosar-1126	311	2	*	*	PUNCT
ijosar-1126	311	3	*	*	PUNCT
ijosar-1126	311	4	mm	mm	PROPN
ijosar-1126	311	5	-.298	-.298	PROPN
ijosar-1126	311	6	.203	.203	NUM
ijosar-1126	311	7	-1.47	-1.47	NUM
ijosar-1126	311	8	0.143	0.143	NUM
ijosar-1126	311	9	-.698	-.698	PROPN
ijosar-1126	311	10	.101	.101	NUM
ijosar-1126	312	1	dl	dl	PROPN
ijosar-1126	312	2	-1.172	-1.172	NUM
ijosar-1126	312	3	.125	.125	NUM
ijosar-1126	312	4	-9.40	-9.40	NUM
ijosar-1126	312	5	0.000	0.000	NUM
ijosar-1126	312	6	-1.417	-1.417	ADJ
ijosar-1126	313	1	-.927	-.927	INTJ
ijosar-1126	313	2	*	*	PUNCT
ijosar-1126	313	3	*	*	PUNCT
ijosar-1126	313	4	*	*	PUNCT
ijosar-1126	313	5	constant	constant	ADJ
ijosar-1126	313	6	1.046	1.046	NUM
ijosar-1126	313	7	.276	.276	NUM
ijosar-1126	313	8	3.79	3.79	NUM
ijosar-1126	313	9	0.000	0.000	NUM
ijosar-1126	313	10	.503	.503	NUM
ijosar-1126	313	11	1.59	1.59	NUM
ijosar-1126	313	12	*	*	PUNCT
ijosar-1126	313	13	*	*	PUNCT
ijosar-1126	313	14	*	*	PUNCT
ijosar-1126	313	15	mean	mean	VERB
ijosar-1126	313	16	dependent	dependent	ADJ
ijosar-1126	313	17	var	var	NOUN
ijosar-1126	313	18	3.603	3.603	NUM
ijosar-1126	313	19	sd	sd	ADP
ijosar-1126	313	20	dependent	dependent	ADJ
ijosar-1126	313	21	var	var	NOUN
ijosar-1126	313	22	0.800	0.800	NUM
ijosar-1126	313	23	r	r	NOUN
ijosar-1126	313	24	-	-	PUNCT
ijosar-1126	313	25	squared	square	VERB
ijosar-1126	313	26	0.411	0.411	NUM
ijosar-1126	313	27	number	number	NOUN
ijosar-1126	313	28	of	of	ADP
ijosar-1126	313	29	obs	obs	PROPN
ijosar-1126	313	30	377	377	NUM
ijosar-1126	313	31	f	f	NOUN
ijosar-1126	313	32	-	-	PUNCT
ijosar-1126	313	33	test	test	NOUN
ijosar-1126	313	34	64.810	64.810	NUM
ijosar-1126	313	35	prob	prob	NOUN
ijosar-1126	313	36	>	>	X
ijosar-1126	313	37	f	f	PROPN
ijosar-1126	313	38	0.000	0.000	NUM
ijosar-1126	313	39	akaike	akaike	ADJ
ijosar-1126	313	40	crit	crit	NOUN
ijosar-1126	313	41	.	.	PUNCT
ijosar-1126	314	1	(	(	PUNCT
ijosar-1126	314	2	aic	aic	PROPN
ijosar-1126	314	3	)	)	PUNCT
ijosar-1126	314	4	711.581	711.581	NUM
ijosar-1126	314	5	bayesian	bayesian	NOUN
ijosar-1126	314	6	crit	crit	NOUN
ijosar-1126	314	7	.	.	PUNCT
ijosar-1126	315	1	(	(	PUNCT
ijosar-1126	315	2	bic	bic	NOUN
ijosar-1126	315	3	)	)	PUNCT
ijosar-1126	315	4	731.243	731.243	NUM
ijosar-1126	315	5	*	*	PUNCT
ijosar-1126	315	6	*	*	PUNCT
ijosar-1126	315	7	*	*	PUNCT
ijosar-1126	315	8	p<.01	p<.01	VERB
ijosar-1126	315	9	,	,	PUNCT
ijosar-1126	315	10	*	*	PUNCT
ijosar-1126	315	11	*	*	NOUN
ijosar-1126	315	12	p<.05	p<.05	NOUN
ijosar-1126	315	13	,	,	PUNCT
ijosar-1126	315	14	*	*	PUNCT
ijosar-1126	315	15	p<.1	p<.1	PROPN
ijosar-1126	315	16	authors	author	NOUN
ijosar-1126	315	17	computation	computation	NOUN
ijosar-1126	315	18	,	,	PUNCT
ijosar-1126	315	19	2025	2025	NUM
ijosar-1126	315	20	the	the	DET
ijosar-1126	315	21	model	model	NOUN
ijosar-1126	315	22	demonstrates	demonstrate	VERB
ijosar-1126	315	23	a	a	DET
ijosar-1126	315	24	good	good	ADJ
ijosar-1126	315	25	fit	fit	NOUN
ijosar-1126	315	26	,	,	PUNCT
ijosar-1126	315	27	with	with	ADP
ijosar-1126	315	28	an	an	DET
ijosar-1126	315	29	r2	r2	NOUN
ijosar-1126	315	30	of	of	ADP
ijosar-1126	315	31	0.411	0.411	NUM
ijosar-1126	315	32	,	,	PUNCT
ijosar-1126	315	33	indicating	indicate	VERB
ijosar-1126	315	34	that	that	SCONJ
ijosar-1126	315	35	approximately	approximately	ADV
ijosar-1126	315	36	41.1	41.1	NUM
ijosar-1126	315	37	%	%	NOUN
ijosar-1126	315	38	of	of	ADP
ijosar-1126	315	39	the	the	DET
ijosar-1126	315	40	variation	variation	NOUN
ijosar-1126	315	41	in	in	ADP
ijosar-1126	315	42	market	market	NOUN
ijosar-1126	315	43	expansion	expansion	NOUN
ijosar-1126	315	44	can	can	AUX
ijosar-1126	315	45	be	be	AUX
ijosar-1126	315	46	explained	explain	VERB
ijosar-1126	315	47	by	by	ADP
ijosar-1126	315	48	digital	digital	ADJ
ijosar-1126	315	49	credit	credit	NOUN
ijosar-1126	315	50	platforms	platform	NOUN
ijosar-1126	315	51	(	(	PUNCT
ijosar-1126	315	52	dcp	dcp	NOUN
ijosar-1126	315	53	)	)	PUNCT
ijosar-1126	315	54	,	,	PUNCT
ijosar-1126	315	55	digital	digital	ADJ
ijosar-1126	315	56	wallets	wallet	NOUN
ijosar-1126	315	57	(	(	PUNCT
ijosar-1126	315	58	dw	dw	NOUN
ijosar-1126	315	59	)	)	PUNCT
ijosar-1126	315	60	,	,	PUNCT
ijosar-1126	315	61	mobile	mobile	ADJ
ijosar-1126	315	62	money	money	NOUN
ijosar-1126	315	63	(	(	PUNCT
ijosar-1126	315	64	mm	mm	NOUN
ijosar-1126	315	65	)	)	PUNCT
ijosar-1126	315	66	,	,	PUNCT
ijosar-1126	315	67	and	and	CCONJ
ijosar-1126	315	68	digital	digital	ADJ
ijosar-1126	315	69	lending	lending	NOUN
ijosar-1126	315	70	(	(	PUNCT
ijosar-1126	315	71	dl	dl	PROPN
ijosar-1126	315	72	)	)	PUNCT
ijosar-1126	315	73	.	.	PUNCT
ijosar-1126	316	1	the	the	DET
ijosar-1126	316	2	f	f	NOUN
ijosar-1126	316	3	-	-	PUNCT
ijosar-1126	316	4	test	test	NOUN
ijosar-1126	316	5	value	value	NOUN
ijosar-1126	316	6	of	of	ADP
ijosar-1126	316	7	64.810	64.810	NUM
ijosar-1126	316	8	with	with	ADP
ijosar-1126	316	9	a	a	DET
ijosar-1126	316	10	p	p	X
ijosar-1126	316	11	<	<	X
ijosar-1126	316	12	0.000	0.000	NUM
ijosar-1126	316	13	confirms	confirm	VERB
ijosar-1126	316	14	that	that	SCONJ
ijosar-1126	316	15	the	the	DET
ijosar-1126	316	16	overall	overall	ADJ
ijosar-1126	316	17	model	model	NOUN
ijosar-1126	316	18	is	be	AUX
ijosar-1126	316	19	statistically	statistically	ADV
ijosar-1126	316	20	significant	significant	ADJ
ijosar-1126	316	21	.	.	PUNCT
ijosar-1126	317	1	this	this	PRON
ijosar-1126	317	2	implies	imply	VERB
ijosar-1126	317	3	that	that	SCONJ
ijosar-1126	317	4	financial	financial	ADJ
ijosar-1126	317	5	technology	technology	NOUN
ijosar-1126	317	6	collectively	collectively	ADV
ijosar-1126	317	7	contributes	contribute	VERB
ijosar-1126	317	8	meaningfully	meaningfully	ADV
ijosar-1126	317	9	to	to	ADP
ijosar-1126	317	10	explaining	explain	VERB
ijosar-1126	317	11	market	market	NOUN
ijosar-1126	317	12	expansion	expansion	NOUN
ijosar-1126	317	13	among	among	ADP
ijosar-1126	317	14	smes	sme	NOUN
ijosar-1126	317	15	.	.	PUNCT
ijosar-1126	318	1	specifically	specifically	ADV
ijosar-1126	318	2	,	,	PUNCT
ijosar-1126	318	3	digital	digital	ADJ
ijosar-1126	318	4	credit	credit	NOUN
ijosar-1126	318	5	platforms	platform	NOUN
ijosar-1126	318	6	(	(	PUNCT
ijosar-1126	318	7	dcp	dcp	NOUN
ijosar-1126	318	8	)	)	PUNCT
ijosar-1126	318	9	have	have	VERB
ijosar-1126	318	10	the	the	DET
ijosar-1126	318	11	strongest	strong	ADJ
ijosar-1126	318	12	positive	positive	ADJ
ijosar-1126	318	13	effect	effect	NOUN
ijosar-1126	318	14	on	on	ADP
ijosar-1126	318	15	market	market	NOUN
ijosar-1126	318	16	expansion	expansion	NOUN
ijosar-1126	318	17	(	(	PUNCT
ijosar-1126	318	18	β	β	X
ijosar-1126	318	19	=	=	SYM
ijosar-1126	318	20	1.55	1.55	NUM
ijosar-1126	318	21	,	,	PUNCT
ijosar-1126	319	1	p	p	X
ijosar-1126	319	2	<	<	X
ijosar-1126	319	3	0.001),digital	0.001),digital	ADJ
ijosar-1126	319	4	wallets	wallet	NOUN
ijosar-1126	319	5	(	(	PUNCT
ijosar-1126	319	6	dw	dw	NOUN
ijosar-1126	319	7	)	)	PUNCT
ijosar-1126	319	8	also	also	ADV
ijosar-1126	319	9	show	show	VERB
ijosar-1126	319	10	a	a	DET
ijosar-1126	319	11	positive	positive	ADJ
ijosar-1126	319	12	and	and	CCONJ
ijosar-1126	319	13	statistically	statistically	ADV
ijosar-1126	319	14	ijo	ijo	PROPN
ijosar-1126	319	15	journals	journal	NOUN
ijosar-1126	319	16	volume	volume	NOUN
ijosar-1126	319	17	08	08	NUM
ijosar-1126	320	1	|	|	ADV
ijosar-1126	320	2	issue	issue	NOUN
ijosar-1126	320	3	08	08	NUM
ijosar-1126	321	1	|	|	ADV
ijosar-1126	321	2	august	august	PROPN
ijosar-1126	321	3	2025	2025	NUM
ijosar-1126	322	1	|	|	ADV
ijosar-1126	322	2	https://ijojournals.com/index.php/ssh/index	https://ijojournals.com/index.php/ssh/index	NOUN
ijosar-1126	322	3	100	100	NUM
ijosar-1126	322	4	ijointernational	ijointernational	ADJ
ijosar-1126	322	5	journal	journal	NOUN
ijosar-1126	322	6	of	of	ADP
ijosar-1126	322	7	social	social	ADJ
ijosar-1126	322	8	science	science	NOUN
ijosar-1126	322	9	and	and	CCONJ
ijosar-1126	322	10	humanities	humanity	NOUN
ijosar-1126	322	11	research	research	NOUN
ijosar-1126	322	12	(	(	PUNCT
ijosar-1126	322	13	issn	issn	PROPN
ijosar-1126	322	14	2811	2811	NUM
ijosar-1126	322	15	-	-	SYM
ijosar-1126	322	16	2466	2466	NUM
ijosar-1126	322	17	)	)	PUNCT
ijosar-1126	322	18	obiora	obiora	PROPN
ijosar-1126	322	19	peters	peters	PROPN
ijosar-1126	322	20	,	,	PUNCT
ijosar-1126	322	21	emeka	emeka	VERB
ijosar-1126	322	22	phd1	phd1	PROPN
ijosar-1126	322	23	*	*	PUNCT
ijosar-1126	322	24	https://ijojournals.com/	https://ijojournals.com/	PROPN
ijosar-1126	322	25	volume	volume	NOUN
ijosar-1126	322	26	08	08	NUM
ijosar-1126	323	1	||	||	PROPN
ijosar-1126	323	2	issue	issue	NOUN
ijosar-1126	323	3	08	08	NUM
ijosar-1126	323	4	||	||	NOUN
ijosar-1126	323	5	august	august	PROPN
ijosar-1126	323	6	,	,	PUNCT
ijosar-1126	323	7	2025	2025	NUM
ijosar-1126	323	8	||	||	PUNCT
ijosar-1126	324	1	“	"	PUNCT
ijosar-1126	324	2	the	the	DET
ijosar-1126	324	3	impact	impact	NOUN
ijosar-1126	324	4	of	of	ADP
ijosar-1126	324	5	financial	financial	ADJ
ijosar-1126	324	6	technology	technology	NOUN
ijosar-1126	324	7	on	on	ADP
ijosar-1126	324	8	the	the	DET
ijosar-1126	324	9	growth	growth	NOUN
ijosar-1126	324	10	of	of	ADP
ijosar-1126	324	11	smes	sme	NOUN
ijosar-1126	324	12	in	in	ADP
ijosar-1126	324	13	rwanda	rwanda	PROPN
ijosar-1126	324	14	(	(	PUNCT
ijosar-1126	324	15	2020	2020	NUM
ijosar-1126	324	16	-	-	SYM
ijosar-1126	324	17	2024	2024	NUM
ijosar-1126	324	18	)	)	PUNCT
ijosar-1126	324	19	"	"	PUNCT
ijosar-1126	324	20	significant	significant	ADJ
ijosar-1126	324	21	effect	effect	NOUN
ijosar-1126	324	22	(	(	PUNCT
ijosar-1126	324	23	β	β	X
ijosar-1126	324	24	=	=	SYM
ijosar-1126	324	25	0.61	0.61	NUM
ijosar-1126	324	26	,	,	PUNCT
ijosar-1126	324	27	p	p	NOUN
ijosar-1126	324	28	=	=	SYM
ijosar-1126	324	29	0.002),digital	0.002),digital	NUM
ijosar-1126	324	30	lending	lending	NOUN
ijosar-1126	324	31	(	(	PUNCT
ijosar-1126	324	32	dl	dl	NOUN
ijosar-1126	324	33	)	)	PUNCT
ijosar-1126	324	34	shows	show	VERB
ijosar-1126	324	35	a	a	DET
ijosar-1126	324	36	negative	negative	ADJ
ijosar-1126	324	37	and	and	CCONJ
ijosar-1126	324	38	highly	highly	ADV
ijosar-1126	324	39	significant	significant	ADJ
ijosar-1126	324	40	effect	effect	NOUN
ijosar-1126	324	41	(	(	PUNCT
ijosar-1126	324	42	β	β	X
ijosar-1126	324	43	=	=	SYM
ijosar-1126	324	44	-1.172	-1.172	PROPN
ijosar-1126	324	45	,	,	PUNCT
ijosar-1126	324	46	p	p	X
ijosar-1126	324	47	<	<	X
ijosar-1126	324	48	0.001	0.001	NUM
ijosar-1126	324	49	)	)	PUNCT
ijosar-1126	324	50	.	.	PUNCT
ijosar-1126	325	1	these	these	DET
ijosar-1126	325	2	findings	finding	NOUN
ijosar-1126	325	3	emphasize	emphasize	VERB
ijosar-1126	325	4	the	the	DET
ijosar-1126	325	5	importance	importance	NOUN
ijosar-1126	325	6	of	of	ADP
ijosar-1126	325	7	targeted	target	VERB
ijosar-1126	325	8	fintech	fintech	NOUN
ijosar-1126	325	9	solutions	solution	NOUN
ijosar-1126	325	10	like	like	ADP
ijosar-1126	325	11	digital	digital	ADJ
ijosar-1126	325	12	credit	credit	NOUN
ijosar-1126	325	13	platforms	platform	NOUN
ijosar-1126	325	14	and	and	CCONJ
ijosar-1126	325	15	digital	digital	ADJ
ijosar-1126	325	16	wallets	wallet	NOUN
ijosar-1126	325	17	in	in	ADP
ijosar-1126	325	18	supporting	support	VERB
ijosar-1126	325	19	sme	sme	NOUN
ijosar-1126	325	20	market	market	NOUN
ijosar-1126	325	21	expansion	expansion	NOUN
ijosar-1126	325	22	in	in	ADP
ijosar-1126	325	23	rwanda	rwanda	PROPN
ijosar-1126	325	24	.	.	PUNCT
ijosar-1126	326	1	4.6	4.6	NUM
ijosar-1126	326	2	model	model	NOUN
ijosar-1126	326	3	3	3	NUM
ijosar-1126	326	4	:	:	PUNCT
ijosar-1126	326	5	employment	employment	NOUN
ijosar-1126	326	6	growthlinear	growthlinear	PROPN
ijosar-1126	326	7	regression	regression	VERB
ijosar-1126	326	8	this	this	DET
ijosar-1126	326	9	linear	linear	ADJ
ijosar-1126	326	10	regression	regression	NOUN
ijosar-1126	326	11	model	model	NOUN
ijosar-1126	326	12	assesses	assess	VERB
ijosar-1126	326	13	the	the	DET
ijosar-1126	326	14	effect	effect	NOUN
ijosar-1126	326	15	of	of	ADP
ijosar-1126	326	16	financial	financial	ADJ
ijosar-1126	326	17	technology	technology	NOUN
ijosar-1126	326	18	on	on	ADP
ijosar-1126	326	19	employment	employment	NOUN
ijosar-1126	326	20	growth	growth	NOUN
ijosar-1126	326	21	(	(	PUNCT
ijosar-1126	326	22	eg	eg	NOUN
ijosar-1126	326	23	)	)	PUNCT
ijosar-1126	326	24	among	among	ADP
ijosar-1126	326	25	smes	sme	NOUN
ijosar-1126	326	26	in	in	ADP
ijosar-1126	326	27	rwanda	rwanda	PROPN
ijosar-1126	326	28	which	which	PRON
ijosar-1126	326	29	offers	offer	VERB
ijosar-1126	326	30	valuable	valuable	ADJ
ijosar-1126	326	31	academic	academic	ADJ
ijosar-1126	326	32	insights	insight	NOUN
ijosar-1126	326	33	into	into	ADP
ijosar-1126	326	34	how	how	SCONJ
ijosar-1126	326	35	different	different	ADJ
ijosar-1126	326	36	fintech	fintech	NOUN
ijosar-1126	326	37	components	component	NOUN
ijosar-1126	326	38	contribute	contribute	VERB
ijosar-1126	326	39	to	to	ADP
ijosar-1126	326	40	job	job	NOUN
ijosar-1126	326	41	creation	creation	NOUN
ijosar-1126	326	42	.	.	PUNCT
ijosar-1126	327	1	table	table	NOUN
ijosar-1126	327	2	8	8	NUM
ijosar-1126	327	3	:	:	PUNCT
ijosar-1126	327	4	employment	employment	NOUN
ijosar-1126	327	5	growthlinear	growthlinear	PROPN
ijosar-1126	327	6	regression	regression	PROPN
ijosar-1126	327	7	eg	eg	PROPN
ijosar-1126	327	8	coef	coef	PROPN
ijosar-1126	327	9	.	.	PUNCT
ijosar-1126	328	1	st.err	st.err	PROPN
ijosar-1126	328	2	.	.	PROPN
ijosar-1126	329	1	t	t	NOUN
ijosar-1126	329	2	-	-	PUNCT
ijosar-1126	329	3	value	value	NOUN
ijosar-1126	329	4	p	p	NOUN
ijosar-1126	329	5	-	-	PUNCT
ijosar-1126	329	6	value	value	NOUN
ijosar-1126	329	7	[	[	X
ijosar-1126	329	8	95	95	NUM
ijosar-1126	329	9	%	%	NOUN
ijosar-1126	329	10	conf	conf	NOUN
ijosar-1126	329	11	interval	interval	NOUN
ijosar-1126	329	12	]	]	PUNCT
ijosar-1126	329	13	sig	sig	NOUN
ijosar-1126	329	14	dcp	dcp	PROPN
ijosar-1126	329	15	.251	.251	NUM
ijosar-1126	329	16	.164	.164	NUM
ijosar-1126	329	17	1.53	1.53	NUM
ijosar-1126	329	18	.127	.127	NUM
ijosar-1126	330	1	-.071	-.071	NOUN
ijosar-1126	330	2	.573	.573	NUM
ijosar-1126	330	3	dw	dw	PROPN
ijosar-1126	330	4	.588	.588	NUM
ijosar-1126	330	5	.269	.269	NUM
ijosar-1126	330	6	2.19	2.19	NUM
ijosar-1126	330	7	.029	.029	NUM
ijosar-1126	330	8	.06	.06	NUM
ijosar-1126	330	9	1.117	1.117	NUM
ijosar-1126	330	10	*	*	PUNCT
ijosar-1126	330	11	*	*	PUNCT
ijosar-1126	330	12	mm	mm	INTJ
ijosar-1126	330	13	-.118	-.118	NOUN
ijosar-1126	330	14	.279	.279	NUM
ijosar-1126	330	15	-0.42	-0.42	NUM
ijosar-1126	330	16	.673	.673	NUM
ijosar-1126	331	1	-.666	-.666	PROPN
ijosar-1126	331	2	.43	.43	NUM
ijosar-1126	331	3	dl	dl	PROPN
ijosar-1126	331	4	-.291	-.291	PROPN
ijosar-1126	331	5	.171	.171	NUM
ijosar-1126	331	6	-1.70	-1.70	NUM
ijosar-1126	331	7	.09	.09	NUM
ijosar-1126	331	8	-.627	-.627	NOUN
ijosar-1126	331	9	.046	.046	NUM
ijosar-1126	331	10	*	*	PUNCT
ijosar-1126	332	1	constant	constant	ADJ
ijosar-1126	332	2	2.018	2.018	NUM
ijosar-1126	332	3	.379	.379	NUM
ijosar-1126	332	4	5.32	5.32	NUM
ijosar-1126	332	5	0	0	NUM
ijosar-1126	332	6	1.273	1.273	NUM
ijosar-1126	332	7	2.763	2.763	NUM
ijosar-1126	332	8	*	*	PUNCT
ijosar-1126	333	1	*	*	PUNCT
ijosar-1126	333	2	*	*	PUNCT
ijosar-1126	333	3	mean	mean	VERB
ijosar-1126	333	4	dependent	dependent	ADJ
ijosar-1126	333	5	var	var	NOUN
ijosar-1126	333	6	3.602	3.602	NUM
ijosar-1126	333	7	sd	sd	ADP
ijosar-1126	333	8	dependent	dependent	ADJ
ijosar-1126	333	9	var	var	NOUN
ijosar-1126	333	10	0.894	0.894	NUM
ijosar-1126	333	11	r	r	NOUN
ijosar-1126	333	12	-	-	PUNCT
ijosar-1126	333	13	squared	square	VERB
ijosar-1126	333	14	0.112	0.112	NUM
ijosar-1126	333	15	number	number	NOUN
ijosar-1126	333	16	of	of	ADP
ijosar-1126	333	17	obs	obs	PROPN
ijosar-1126	333	18	377	377	NUM
ijosar-1126	333	19	f	f	X
ijosar-1126	333	20	-	-	PUNCT
ijosar-1126	333	21	test	test	NOUN
ijosar-1126	333	22	11.690	11.690	NUM
ijosar-1126	333	23	prob	prob	NOUN
ijosar-1126	333	24	>	>	X
ijosar-1126	333	25	f	f	PROPN
ijosar-1126	334	1	0.000	0.000	NUM
ijosar-1126	334	2	akaike	akaike	ADJ
ijosar-1126	334	3	crit	crit	NOUN
ijosar-1126	334	4	.	.	PUNCT
ijosar-1126	335	1	(	(	PUNCT
ijosar-1126	335	2	aic	aic	PROPN
ijosar-1126	335	3	)	)	PUNCT
ijosar-1126	335	4	949.913	949.913	NUM
ijosar-1126	335	5	bayesian	bayesian	NOUN
ijosar-1126	335	6	crit	crit	NOUN
ijosar-1126	335	7	.	.	PUNCT
ijosar-1126	336	1	(	(	PUNCT
ijosar-1126	336	2	bic	bic	NOUN
ijosar-1126	336	3	)	)	PUNCT
ijosar-1126	336	4	969.575	969.575	NUM
ijosar-1126	336	5	*	*	PUNCT
ijosar-1126	336	6	*	*	PUNCT
ijosar-1126	336	7	*	*	PUNCT
ijosar-1126	336	8	p<.01	p<.01	VERB
ijosar-1126	336	9	,	,	PUNCT
ijosar-1126	336	10	*	*	PUNCT
ijosar-1126	336	11	*	*	NOUN
ijosar-1126	336	12	p<.05	p<.05	NOUN
ijosar-1126	336	13	,	,	PUNCT
ijosar-1126	336	14	*	*	PUNCT
ijosar-1126	336	15	p<.1	p<.1	PROPN
ijosar-1126	336	16	authors	author	NOUN
ijosar-1126	336	17	computation	computation	VERB
ijosar-1126	336	18	2025	2025	NUM
ijosar-1126	336	19	the	the	DET
ijosar-1126	336	20	model	model	NOUN
ijosar-1126	336	21	's	's	PART
ijosar-1126	336	22	r2	r2	NOUN
ijosar-1126	336	23	value	value	NOUN
ijosar-1126	336	24	of	of	ADP
ijosar-1126	336	25	0.112	0.112	NUM
ijosar-1126	336	26	suggests	suggest	VERB
ijosar-1126	336	27	that	that	SCONJ
ijosar-1126	336	28	approximately	approximately	ADV
ijosar-1126	336	29	11.2	11.2	NUM
ijosar-1126	336	30	%	%	NOUN
ijosar-1126	336	31	of	of	ADP
ijosar-1126	336	32	the	the	DET
ijosar-1126	336	33	variation	variation	NOUN
ijosar-1126	336	34	in	in	ADP
ijosar-1126	336	35	employment	employment	NOUN
ijosar-1126	336	36	growth	growth	NOUN
ijosar-1126	336	37	among	among	ADP
ijosar-1126	336	38	the	the	DET
ijosar-1126	336	39	sampled	sample	VERB
ijosar-1126	336	40	smes	sme	NOUN
ijosar-1126	336	41	is	be	AUX
ijosar-1126	336	42	explained	explain	VERB
ijosar-1126	336	43	by	by	ADP
ijosar-1126	336	44	digital	digital	ADJ
ijosar-1126	336	45	credit	credit	NOUN
ijosar-1126	336	46	platforms	platform	NOUN
ijosar-1126	336	47	(	(	PUNCT
ijosar-1126	336	48	dcp	dcp	NOUN
ijosar-1126	336	49	)	)	PUNCT
ijosar-1126	336	50	,	,	PUNCT
ijosar-1126	336	51	digital	digital	ADJ
ijosar-1126	336	52	wallets	wallet	NOUN
ijosar-1126	336	53	(	(	PUNCT
ijosar-1126	336	54	dw	dw	NOUN
ijosar-1126	336	55	)	)	PUNCT
ijosar-1126	336	56	,	,	PUNCT
ijosar-1126	336	57	mobile	mobile	ADJ
ijosar-1126	336	58	money	money	NOUN
ijosar-1126	336	59	(	(	PUNCT
ijosar-1126	336	60	mm	mm	NOUN
ijosar-1126	336	61	)	)	PUNCT
ijosar-1126	336	62	,	,	PUNCT
ijosar-1126	336	63	and	and	CCONJ
ijosar-1126	336	64	digital	digital	ADJ
ijosar-1126	336	65	lending	lending	NOUN
ijosar-1126	336	66	(	(	PUNCT
ijosar-1126	336	67	dl	dl	NOUN
ijosar-1126	336	68	)	)	PUNCT
ijosar-1126	336	69	.	.	PUNCT
ijosar-1126	337	1	although	although	SCONJ
ijosar-1126	337	2	modest	modest	ADJ
ijosar-1126	337	3	,	,	PUNCT
ijosar-1126	337	4	this	this	DET
ijosar-1126	337	5	level	level	NOUN
ijosar-1126	337	6	of	of	ADP
ijosar-1126	337	7	explanation	explanation	NOUN
ijosar-1126	337	8	is	be	AUX
ijosar-1126	337	9	statistically	statistically	ADV
ijosar-1126	337	10	significant	significant	ADJ
ijosar-1126	337	11	,	,	PUNCT
ijosar-1126	337	12	as	as	SCONJ
ijosar-1126	337	13	evidenced	evidence	VERB
ijosar-1126	337	14	by	by	ADP
ijosar-1126	337	15	the	the	DET
ijosar-1126	337	16	f	f	NOUN
ijosar-1126	337	17	-	-	PUNCT
ijosar-1126	337	18	statistic	statistic	NOUN
ijosar-1126	337	19	of	of	ADP
ijosar-1126	337	20	11.690	11.690	NUM
ijosar-1126	337	21	and	and	CCONJ
ijosar-1126	337	22	p	p	NOUN
ijosar-1126	337	23	-	-	PUNCT
ijosar-1126	337	24	value	value	NOUN
ijosar-1126	337	25	<	<	X
ijosar-1126	337	26	0.001	0.001	NUM
ijosar-1126	337	27	,	,	PUNCT
ijosar-1126	337	28	indicating	indicate	VERB
ijosar-1126	337	29	the	the	DET
ijosar-1126	337	30	joint	joint	ADJ
ijosar-1126	337	31	significance	significance	NOUN
ijosar-1126	337	32	of	of	ADP
ijosar-1126	337	33	the	the	DET
ijosar-1126	337	34	variables	variable	NOUN
ijosar-1126	337	35	in	in	ADP
ijosar-1126	337	36	predicting	predict	VERB
ijosar-1126	337	37	employment	employment	NOUN
ijosar-1126	337	38	growth	growth	NOUN
ijosar-1126	337	39	.	.	PUNCT
ijosar-1126	338	1	digital	digital	ADJ
ijosar-1126	338	2	wallets	wallet	NOUN
ijosar-1126	338	3	(	(	PUNCT
ijosar-1126	338	4	dw	dw	NOUN
ijosar-1126	338	5	)	)	PUNCT
ijosar-1126	338	6	show	show	VERB
ijosar-1126	338	7	a	a	DET
ijosar-1126	338	8	positive	positive	ADJ
ijosar-1126	338	9	and	and	CCONJ
ijosar-1126	338	10	statistically	statistically	ADV
ijosar-1126	338	11	significant	significant	ADJ
ijosar-1126	338	12	effect	effect	NOUN
ijosar-1126	338	13	on	on	ADP
ijosar-1126	338	14	employment	employment	NOUN
ijosar-1126	338	15	growth	growth	NOUN
ijosar-1126	338	16	(	(	PUNCT
ijosar-1126	338	17	β	β	X
ijosar-1126	338	18	=	=	PUNCT
ijosar-1126	338	19	0.588	0.588	NUM
ijosar-1126	338	20	,	,	PUNCT
ijosar-1126	338	21	p	p	X
ijosar-1126	338	22	=	=	NOUN
ijosar-1126	338	23	0.029	0.029	NUM
ijosar-1126	338	24	)	)	PUNCT
ijosar-1126	338	25	.	.	PUNCT
ijosar-1126	339	1	digital	digital	ADJ
ijosar-1126	339	2	lending	lending	NOUN
ijosar-1126	339	3	(	(	PUNCT
ijosar-1126	339	4	dl	dl	NOUN
ijosar-1126	339	5	)	)	PUNCT
ijosar-1126	339	6	exhibits	exhibit	VERB
ijosar-1126	339	7	a	a	DET
ijosar-1126	339	8	negative	negative	ADJ
ijosar-1126	339	9	and	and	CCONJ
ijosar-1126	339	10	marginally	marginally	ADV
ijosar-1126	339	11	significant	significant	ADJ
ijosar-1126	339	12	relationship	relationship	NOUN
ijosar-1126	339	13	(	(	PUNCT
ijosar-1126	339	14	β	β	X
ijosar-1126	339	15	=	=	PUNCT
ijosar-1126	339	16	-0.291	-0.291	PROPN
ijosar-1126	339	17	,	,	PUNCT
ijosar-1126	339	18	p	p	NOUN
ijosar-1126	339	19	=	=	NOUN
ijosar-1126	339	20	0.09);digital	0.09);digital	NOUN
ijosar-1126	339	21	credit	credit	NOUN
ijosar-1126	339	22	platforms	platform	NOUN
ijosar-1126	339	23	(	(	PUNCT
ijosar-1126	339	24	dcp	dcp	NOUN
ijosar-1126	339	25	)	)	PUNCT
ijosar-1126	339	26	,	,	PUNCT
ijosar-1126	339	27	though	though	SCONJ
ijosar-1126	339	28	showing	show	VERB
ijosar-1126	339	29	a	a	DET
ijosar-1126	339	30	positive	positive	ADJ
ijosar-1126	339	31	coefficient	coefficient	NOUN
ijosar-1126	339	32	(	(	PUNCT
ijosar-1126	339	33	β	β	X
ijosar-1126	339	34	=	=	NOUN
ijosar-1126	339	35	0.251	0.251	NUM
ijosar-1126	339	36	)	)	PUNCT
ijosar-1126	339	37	,	,	PUNCT
ijosar-1126	339	38	are	be	AUX
ijosar-1126	339	39	not	not	PART
ijosar-1126	339	40	statistically	statistically	ADV
ijosar-1126	339	41	significant	significant	ADJ
ijosar-1126	339	42	(	(	PUNCT
ijosar-1126	339	43	p	p	X
ijosar-1126	339	44	=	=	NOUN
ijosar-1126	340	1	0.127);mobile	0.127);mobile	NUM
ijosar-1126	340	2	money	money	NOUN
ijosar-1126	340	3	(	(	PUNCT
ijosar-1126	340	4	mm	mm	NOUN
ijosar-1126	340	5	)	)	PUNCT
ijosar-1126	340	6	has	have	VERB
ijosar-1126	340	7	a	a	DET
ijosar-1126	340	8	negative	negative	ADJ
ijosar-1126	340	9	and	and	CCONJ
ijosar-1126	340	10	non	non	ADJ
ijosar-1126	340	11	-	-	ADJ
ijosar-1126	340	12	significant	significant	ADJ
ijosar-1126	340	13	effect	effect	NOUN
ijosar-1126	340	14	(	(	PUNCT
ijosar-1126	340	15	β	β	X
ijosar-1126	340	16	=	=	SYM
ijosar-1126	340	17	-0.118	-0.118	PROPN
ijosar-1126	340	18	,	,	PUNCT
ijosar-1126	340	19	p	p	X
ijosar-1126	340	20	=	=	NOUN
ijosar-1126	340	21	0.673	0.673	NUM
ijosar-1126	340	22	)	)	PUNCT
ijosar-1126	340	23	.	.	PUNCT
ijosar-1126	341	1	these	these	DET
ijosar-1126	341	2	results	result	NOUN
ijosar-1126	341	3	imply	imply	VERB
ijosar-1126	341	4	that	that	SCONJ
ijosar-1126	341	5	among	among	ADP
ijosar-1126	341	6	fintech	fintech	NOUN
ijosar-1126	341	7	tools	tool	NOUN
ijosar-1126	341	8	,	,	PUNCT
ijosar-1126	341	9	digital	digital	ADJ
ijosar-1126	341	10	wallets	wallet	NOUN
ijosar-1126	341	11	show	show	VERB
ijosar-1126	341	12	the	the	DET
ijosar-1126	341	13	strongest	strong	ADJ
ijosar-1126	341	14	and	and	CCONJ
ijosar-1126	341	15	most	most	ADV
ijosar-1126	341	16	reliable	reliable	ADJ
ijosar-1126	341	17	contribution	contribution	NOUN
ijosar-1126	341	18	to	to	ADP
ijosar-1126	341	19	employment	employment	NOUN
ijosar-1126	341	20	growth	growth	NOUN
ijosar-1126	341	21	among	among	ADP
ijosar-1126	341	22	smes	sme	NOUN
ijosar-1126	341	23	in	in	ADP
ijosar-1126	341	24	rwanda	rwanda	PROPN
ijosar-1126	341	25	.	.	PUNCT
ijosar-1126	342	1	ijo	ijo	PROPN
ijosar-1126	342	2	journals	journal	NOUN
ijosar-1126	342	3	volume	volume	NOUN
ijosar-1126	342	4	08	08	NUM
ijosar-1126	343	1	|	|	ADV
ijosar-1126	343	2	issue	issue	NOUN
ijosar-1126	343	3	08	08	NUM
ijosar-1126	344	1	|	|	ADV
ijosar-1126	344	2	august	august	PROPN
ijosar-1126	344	3	2025	2025	NUM
ijosar-1126	344	4	|	|	ADV
ijosar-1126	344	5	https://ijojournals.com/index.php/ssh/index	https://ijojournals.com/index.php/ssh/index	NOUN
ijosar-1126	344	6	101	101	NUM
ijosar-1126	344	7	ijointernational	ijointernational	ADJ
ijosar-1126	344	8	journal	journal	NOUN
ijosar-1126	344	9	of	of	ADP
ijosar-1126	344	10	social	social	ADJ
ijosar-1126	344	11	science	science	NOUN
ijosar-1126	344	12	and	and	CCONJ
ijosar-1126	344	13	humanities	humanity	NOUN
ijosar-1126	344	14	research	research	NOUN
ijosar-1126	344	15	(	(	PUNCT
ijosar-1126	344	16	issn	issn	PROPN
ijosar-1126	344	17	2811	2811	NUM
ijosar-1126	344	18	-	-	SYM
ijosar-1126	344	19	2466	2466	NUM
ijosar-1126	344	20	)	)	PUNCT
ijosar-1126	344	21	obiora	obiora	PROPN
ijosar-1126	344	22	peters	peters	PROPN
ijosar-1126	344	23	,	,	PUNCT
ijosar-1126	344	24	emeka	emeka	VERB
ijosar-1126	344	25	phd1	phd1	PROPN
ijosar-1126	344	26	*	*	PUNCT
ijosar-1126	344	27	https://ijojournals.com/	https://ijojournals.com/	PROPN
ijosar-1126	344	28	volume	volume	NOUN
ijosar-1126	344	29	08	08	NUM
ijosar-1126	345	1	||	||	PROPN
ijosar-1126	345	2	issue	issue	NOUN
ijosar-1126	345	3	08	08	NUM
ijosar-1126	345	4	||	||	NOUN
ijosar-1126	345	5	august	august	PROPN
ijosar-1126	345	6	,	,	PUNCT
ijosar-1126	345	7	2025	2025	NUM
ijosar-1126	345	8	||	||	PUNCT
ijosar-1126	346	1	“	"	PUNCT
ijosar-1126	346	2	the	the	DET
ijosar-1126	346	3	impact	impact	NOUN
ijosar-1126	346	4	of	of	ADP
ijosar-1126	346	5	financial	financial	ADJ
ijosar-1126	346	6	technology	technology	NOUN
ijosar-1126	346	7	on	on	ADP
ijosar-1126	346	8	the	the	DET
ijosar-1126	346	9	growth	growth	NOUN
ijosar-1126	346	10	of	of	ADP
ijosar-1126	346	11	smes	sme	NOUN
ijosar-1126	346	12	in	in	ADP
ijosar-1126	346	13	rwanda	rwanda	PROPN
ijosar-1126	346	14	(	(	PUNCT
ijosar-1126	346	15	2020	2020	NUM
ijosar-1126	346	16	-	-	SYM
ijosar-1126	346	17	2024	2024	NUM
ijosar-1126	346	18	)	)	PUNCT
ijosar-1126	346	19	"	"	PUNCT
ijosar-1126	346	20	4.7	4.7	NUM
ijosar-1126	346	21	discussion	discussion	NOUN
ijosar-1126	346	22	the	the	DET
ijosar-1126	346	23	findings	finding	NOUN
ijosar-1126	346	24	of	of	ADP
ijosar-1126	346	25	the	the	DET
ijosar-1126	346	26	study	study	NOUN
ijosar-1126	346	27	on	on	ADP
ijosar-1126	346	28	the	the	DET
ijosar-1126	346	29	variables	variable	NOUN
ijosar-1126	346	30	with	with	ADP
ijosar-1126	346	31	respect	respect	NOUN
ijosar-1126	346	32	to	to	ADP
ijosar-1126	346	33	employment	employment	NOUN
ijosar-1126	346	34	growth	growth	NOUN
ijosar-1126	346	35	,	,	PUNCT
ijosar-1126	346	36	market	market	NOUN
ijosar-1126	346	37	expansion	expansion	NOUN
ijosar-1126	346	38	and	and	CCONJ
ijosar-1126	346	39	survival	survival	NOUN
ijosar-1126	346	40	and	and	CCONJ
ijosar-1126	346	41	longevity	longevity	NOUN
ijosar-1126	346	42	are	be	AUX
ijosar-1126	346	43	discussed	discuss	VERB
ijosar-1126	346	44	.	.	PUNCT
ijosar-1126	347	1	4.7.1	4.7.1	DET
ijosar-1126	347	2	digital	digital	ADJ
ijosar-1126	347	3	lending	lending	NOUN
ijosar-1126	347	4	access	access	NOUN
ijosar-1126	347	5	and	and	CCONJ
ijosar-1126	347	6	sme	sme	NOUN
ijosar-1126	347	7	growth	growth	NOUN
ijosar-1126	347	8	digital	digital	ADJ
ijosar-1126	347	9	lending	lending	NOUN
ijosar-1126	347	10	access	access	NOUN
ijosar-1126	347	11	(	(	PUNCT
ijosar-1126	347	12	dla	dla	NOUN
ijosar-1126	347	13	)	)	PUNCT
ijosar-1126	347	14	showed	show	VERB
ijosar-1126	347	15	a	a	DET
ijosar-1126	347	16	consistently	consistently	ADV
ijosar-1126	347	17	negative	negative	ADJ
ijosar-1126	347	18	impact	impact	NOUN
ijosar-1126	347	19	across	across	ADP
ijosar-1126	347	20	all	all	DET
ijosar-1126	347	21	growth	growth	NOUN
ijosar-1126	347	22	dimensions	dimension	NOUN
ijosar-1126	347	23	.	.	PUNCT
ijosar-1126	348	1	on	on	ADP
ijosar-1126	348	2	survival	survival	NOUN
ijosar-1126	348	3	/	/	SYM
ijosar-1126	348	4	longevity	longevity	NOUN
ijosar-1126	348	5	(	(	PUNCT
ijosar-1126	348	6	β	β	X
ijosar-1126	348	7	=	=	SYM
ijosar-1126	348	8	-0.667	-0.667	NOUN
ijosar-1126	348	9	,	,	PUNCT
ijosar-1126	348	10	p<0.001),this	p<0.001),this	PRON
ijosar-1126	348	11	means	mean	VERB
ijosar-1126	348	12	that	that	SCONJ
ijosar-1126	348	13	for	for	SCONJ
ijosar-1126	348	14	every	every	DET
ijosar-1126	348	15	unit	unit	NOUN
ijosar-1126	348	16	increase	increase	NOUN
ijosar-1126	348	17	in	in	ADP
ijosar-1126	348	18	digital	digital	ADJ
ijosar-1126	348	19	lending	lending	NOUN
ijosar-1126	348	20	usage	usage	NOUN
ijosar-1126	348	21	,	,	PUNCT
ijosar-1126	348	22	smes	sme	NOUN
ijosar-1126	348	23	’	'	PUNCT
ijosar-1126	348	24	survival	survival	NOUN
ijosar-1126	348	25	probability	probability	NOUN
ijosar-1126	348	26	decreases	decrease	NOUN
ijosar-1126	348	27	by	by	ADP
ijosar-1126	348	28	0.667	0.667	NUM
ijosar-1126	348	29	points	point	NOUN
ijosar-1126	348	30	.	.	PUNCT
ijosar-1126	349	1	this	this	PRON
ijosar-1126	349	2	may	may	AUX
ijosar-1126	349	3	have	have	AUX
ijosar-1126	349	4	been	be	AUX
ijosar-1126	349	5	caused	cause	VERB
ijosar-1126	349	6	by	by	ADP
ijosar-1126	349	7	high	high	ADJ
ijosar-1126	349	8	-	-	PUNCT
ijosar-1126	349	9	cost	cost	NOUN
ijosar-1126	349	10	debt	debt	NOUN
ijosar-1126	349	11	traps	trap	NOUN
ijosar-1126	349	12	.	.	PUNCT
ijosar-1126	350	1	this	this	PRON
ijosar-1126	350	2	follows	follow	VERB
ijosar-1126	350	3	that	that	SCONJ
ijosar-1126	350	4	rwandan	rwandan	PROPN
ijosar-1126	350	5	digital	digital	PROPN
ijosar-1126	350	6	loans	loan	NOUN
ijosar-1126	350	7	carry	carry	VERB
ijosar-1126	350	8	effective	effective	ADJ
ijosar-1126	350	9	aprs	aprs	NOUN
ijosar-1126	350	10	of	of	ADP
ijosar-1126	350	11	20	20	NUM
ijosar-1126	350	12	-	-	SYM
ijosar-1126	350	13	30	30	NUM
ijosar-1126	350	14	%	%	NOUN
ijosar-1126	350	15	(	(	PUNCT
ijosar-1126	350	16	exceeding	exceed	VERB
ijosar-1126	350	17	traditional	traditional	ADJ
ijosar-1126	350	18	banks	bank	NOUN
ijosar-1126	350	19	’	'	PUNCT
ijosar-1126	350	20	12	12	NUM
ijosar-1126	350	21	-	-	SYM
ijosar-1126	350	22	15	15	NUM
ijosar-1126	350	23	%	%	NOUN
ijosar-1126	350	24	)	)	PUNCT
ijosar-1126	350	25	with	with	ADP
ijosar-1126	350	26	punitive	punitive	ADJ
ijosar-1126	350	27	penalties	penalty	NOUN
ijosar-1126	350	28	;	;	PUNCT
ijosar-1126	350	29	and	and	CCONJ
ijosar-1126	350	30	short	short	ADJ
ijosar-1126	350	31	repayment	repayment	NOUN
ijosar-1126	350	32	windows	window	NOUN
ijosar-1126	350	33	(	(	PUNCT
ijosar-1126	350	34	7	7	NUM
ijosar-1126	350	35	-	-	SYM
ijosar-1126	350	36	30	30	NUM
ijosar-1126	350	37	days	day	NOUN
ijosar-1126	350	38	)	)	PUNCT
ijosar-1126	350	39	force	force	NOUN
ijosar-1126	350	40	distressed	distressed	ADJ
ijosar-1126	350	41	borrowing	borrowing	NOUN
ijosar-1126	350	42	cycles	cycle	NOUN
ijosar-1126	350	43	.	.	PUNCT
ijosar-1126	351	1	on	on	ADP
ijosar-1126	351	2	market	market	NOUN
ijosar-1126	351	3	expansion	expansion	NOUN
ijosar-1126	351	4	(	(	PUNCT
ijosar-1126	351	5	β	β	X
ijosar-1126	351	6	=	=	SYM
ijosar-1126	351	7	-1.172	-1.172	NOUN
ijosar-1126	351	8	,	,	PUNCT
ijosar-1126	351	9	p<0.001	p<0.001	PROPN
ijosar-1126	351	10	)	)	PUNCT
ijosar-1126	351	11	,	,	PUNCT
ijosar-1126	351	12	digital	digital	ADJ
ijosar-1126	351	13	lending	lending	NOUN
ijosar-1126	351	14	usage	usage	NOUN
ijosar-1126	351	15	correlates	correlate	VERB
ijosar-1126	351	16	with	with	ADP
ijosar-1126	351	17	reduced	reduce	VERB
ijosar-1126	351	18	market	market	NOUN
ijosar-1126	351	19	reach	reach	NOUN
ijosar-1126	351	20	,	,	PUNCT
ijosar-1126	351	21	the	the	DET
ijosar-1126	351	22	strongest	strong	ADJ
ijosar-1126	351	23	negative	negative	ADJ
ijosar-1126	351	24	effect	effect	NOUN
ijosar-1126	351	25	observed	observe	VERB
ijosar-1126	351	26	.	.	PUNCT
ijosar-1126	352	1	there	there	PRON
ijosar-1126	352	2	was	be	VERB
ijosar-1126	352	3	72	72	NUM
ijosar-1126	352	4	%	%	NOUN
ijosar-1126	352	5	of	of	ADP
ijosar-1126	352	6	loan	loan	NOUN
ijosar-1126	352	7	-	-	PUNCT
ijosar-1126	352	8	funded	fund	VERB
ijosar-1126	352	9	smes	sme	NOUN
ijosar-1126	352	10	(	(	PUNCT
ijosar-1126	352	11	per	per	ADP
ijosar-1126	352	12	survey	survey	NOUN
ijosar-1126	352	13	)	)	PUNCT
ijosar-1126	352	14	diverted	divert	VERB
ijosar-1126	352	15	expansion	expansion	NOUN
ijosar-1126	352	16	budgets	budget	NOUN
ijosar-1126	352	17	to	to	ADP
ijosar-1126	352	18	debt	debt	NOUN
ijosar-1126	352	19	servicing	servicing	NOUN
ijosar-1126	352	20	.	.	PUNCT
ijosar-1126	353	1	it	it	PRON
ijosar-1126	353	2	implies	imply	VERB
ijosar-1126	353	3	that	that	SCONJ
ijosar-1126	353	4	fear	fear	NOUN
ijosar-1126	353	5	of	of	ADP
ijosar-1126	353	6	default	default	NOUN
ijosar-1126	353	7	deters	deter	VERB
ijosar-1126	353	8	investment	investment	NOUN
ijosar-1126	353	9	in	in	ADP
ijosar-1126	353	10	new	new	ADJ
ijosar-1126	353	11	markets	market	NOUN
ijosar-1126	353	12	/	/	SYM
ijosar-1126	353	13	customers	customer	NOUN
ijosar-1126	353	14	.	.	PUNCT
ijosar-1126	354	1	further	further	ADJ
ijosar-1126	354	2	insight	insight	NOUN
ijosar-1126	354	3	shows	show	VERB
ijosar-1126	354	4	that	that	SCONJ
ijosar-1126	354	5	digital	digital	ADJ
ijosar-1126	354	6	lending	lending	NOUN
ijosar-1126	354	7	users	user	NOUN
ijosar-1126	354	8	reported	report	VERB
ijosar-1126	354	9	23	23	NUM
ijosar-1126	354	10	%	%	NOUN
ijosar-1126	354	11	lower	low	ADJ
ijosar-1126	354	12	export	export	NOUN
ijosar-1126	354	13	participation	participation	NOUN
ijosar-1126	354	14	than	than	ADP
ijosar-1126	354	15	non	non	NOUN
ijosar-1126	354	16	-	-	NOUN
ijosar-1126	354	17	users	user	NOUN
ijosar-1126	354	18	(	(	PUNCT
ijosar-1126	354	19	p<0.01	p<0.01	PROPN
ijosar-1126	354	20	)	)	PUNCT
ijosar-1126	354	21	.	.	PUNCT
ijosar-1126	355	1	on	on	ADP
ijosar-1126	355	2	employment	employment	NOUN
ijosar-1126	355	3	growth	growth	NOUN
ijosar-1126	355	4	(	(	PUNCT
ijosar-1126	355	5	β	β	X
ijosar-1126	355	6	=	=	PUNCT
ijosar-1126	355	7	0.291	0.291	NUM
ijosar-1126	355	8	,	,	PUNCT
ijosar-1126	355	9	p<0.1	p<0.1	NUM
ijosar-1126	355	10	)	)	PUNCT
ijosar-1126	355	11	,	,	PUNCT
ijosar-1126	355	12	digital	digital	ADJ
ijosar-1126	355	13	lending	lending	NOUN
ijosar-1126	355	14	adoption	adoption	NOUN
ijosar-1126	355	15	predicts	predict	VERB
ijosar-1126	355	16	net	net	ADJ
ijosar-1126	355	17	job	job	NOUN
ijosar-1126	355	18	losses	loss	NOUN
ijosar-1126	355	19	,	,	PUNCT
ijosar-1126	355	20	especially	especially	ADV
ijosar-1126	355	21	in	in	ADP
ijosar-1126	355	22	laborintensive	laborintensive	ADJ
ijosar-1126	355	23	sectors	sector	NOUN
ijosar-1126	355	24	.	.	PUNCT
ijosar-1126	356	1	this	this	PRON
ijosar-1126	356	2	may	may	AUX
ijosar-1126	356	3	be	be	AUX
ijosar-1126	356	4	as	as	ADP
ijosar-1126	356	5	a	a	DET
ijosar-1126	356	6	result	result	NOUN
ijosar-1126	356	7	of	of	ADP
ijosar-1126	356	8	labor	labor	NOUN
ijosar-1126	356	9	-	-	PUNCT
ijosar-1126	356	10	to	to	ADP
ijosar-1126	356	11	-	-	PUNCT
ijosar-1126	356	12	capital	capital	NOUN
ijosar-1126	356	13	substitution	substitution	NOUN
ijosar-1126	356	14	which	which	PRON
ijosar-1126	356	15	relates	relate	VERB
ijosar-1126	356	16	to	to	ADP
ijosar-1126	356	17	loans	loan	NOUN
ijosar-1126	356	18	fund	fund	NOUN
ijosar-1126	356	19	automation	automation	NOUN
ijosar-1126	356	20	on	on	ADP
ijosar-1126	356	21	pos	pos	NOUN
ijosar-1126	356	22	systems	system	NOUN
ijosar-1126	356	23	replacing	replace	VERB
ijosar-1126	356	24	entry	entry	NOUN
ijosar-1126	356	25	-	-	PUNCT
ijosar-1126	356	26	level	level	NOUN
ijosar-1126	356	27	staff	staff	NOUN
ijosar-1126	356	28	;	;	PUNCT
ijosar-1126	356	29	wage	wage	NOUN
ijosar-1126	356	30	compression	compression	NOUN
ijosar-1126	356	31	wherein	wherein	SCONJ
ijosar-1126	356	32	41	41	NUM
ijosar-1126	356	33	%	%	NOUN
ijosar-1126	356	34	of	of	ADP
ijosar-1126	356	35	smes	sme	NOUN
ijosar-1126	356	36	cut	cut	VERB
ijosar-1126	356	37	staff	staff	NOUN
ijosar-1126	356	38	benefits	benefit	NOUN
ijosar-1126	356	39	to	to	PART
ijosar-1126	356	40	meet	meet	VERB
ijosar-1126	356	41	repayments	repayment	NOUN
ijosar-1126	356	42	.	.	PUNCT
ijosar-1126	357	1	this	this	PRON
ijosar-1126	357	2	could	could	AUX
ijosar-1126	357	3	have	have	AUX
ijosar-1126	357	4	happened	happen	VERB
ijosar-1126	357	5	as	as	ADP
ijosar-1126	357	6	a	a	DET
ijosar-1126	357	7	result	result	NOUN
ijosar-1126	357	8	of	of	ADP
ijosar-1126	357	9	predatory	predatory	ADJ
ijosar-1126	357	10	pricing	pricing	NOUN
ijosar-1126	357	11	where	where	SCONJ
ijosar-1126	357	12	34	34	NUM
ijosar-1126	357	13	%	%	NOUN
ijosar-1126	357	14	apr	apr	NOUN
ijosar-1126	357	15	on	on	ADP
ijosar-1126	357	16	tala	tala	PROPN
ijosar-1126	357	17	loans	loan	NOUN
ijosar-1126	357	18	as	as	SCONJ
ijosar-1126	357	19	opposed	oppose	VERB
ijosar-1126	357	20	to	to	ADP
ijosar-1126	357	21	15	15	NUM
ijosar-1126	357	22	%	%	NOUN
ijosar-1126	357	23	bank	bank	NOUN
ijosar-1126	357	24	rates	rate	NOUN
ijosar-1126	357	25	,	,	PUNCT
ijosar-1126	357	26	debt	debt	NOUN
ijosar-1126	357	27	servicing	servicing	NOUN
ijosar-1126	357	28	consumes	consume	NOUN
ijosar-1126	357	29	>	>	X
ijosar-1126	357	30	40	40	NUM
ijosar-1126	357	31	%	%	NOUN
ijosar-1126	357	32	revenue	revenue	NOUN
ijosar-1126	357	33	;	;	PUNCT
ijosar-1126	357	34	again	again	ADV
ijosar-1126	357	35	is	be	AUX
ijosar-1126	357	36	algorithmic	algorithmic	ADJ
ijosar-1126	357	37	bias	bias	NOUN
ijosar-1126	357	38	wherein	wherein	SCONJ
ijosar-1126	357	39	ai	ai	PROPN
ijosar-1126	357	40	models	model	NOUN
ijosar-1126	357	41	penalize	penalize	VERB
ijosar-1126	357	42	"	"	PUNCT
ijosar-1126	357	43	risky	risky	ADJ
ijosar-1126	357	44	"	"	PUNCT
ijosar-1126	357	45	sectors	sector	NOUN
ijosar-1126	357	46	(	(	PUNCT
ijosar-1126	357	47	agriculture	agriculture	NOUN
ijosar-1126	357	48	/	/	SYM
ijosar-1126	357	49	tourism	tourism	NOUN
ijosar-1126	357	50	)	)	PUNCT
ijosar-1126	357	51	and	and	CCONJ
ijosar-1126	357	52	credit	credit	NOUN
ijosar-1126	357	53	starvation	starvation	NOUN
ijosar-1126	357	54	for	for	ADP
ijosar-1126	357	55	growth	growth	NOUN
ijosar-1126	357	56	-	-	PUNCT
ijosar-1126	357	57	potential	potential	ADJ
ijosar-1126	357	58	smes	sme	NOUN
ijosar-1126	357	59	;	;	PUNCT
ijosar-1126	357	60	and	and	CCONJ
ijosar-1126	357	61	financial	financial	ADJ
ijosar-1126	357	62	illiteracy	illiteracy	NOUN
ijosar-1126	357	63	where	where	SCONJ
ijosar-1126	357	64	68	68	NUM
ijosar-1126	357	65	%	%	NOUN
ijosar-1126	357	66	of	of	ADP
ijosar-1126	357	67	borrowers	borrower	NOUN
ijosar-1126	357	68	misunderstood	misunderstood	VERB
ijosar-1126	357	69	repayment	repayment	NOUN
ijosar-1126	357	70	terms	term	NOUN
ijosar-1126	357	71	(	(	PUNCT
ijosar-1126	357	72	bnr	bnr	PROPN
ijosar-1126	357	73	2023	2023	NUM
ijosar-1126	357	74	)	)	PUNCT
ijosar-1126	357	75	resulting	result	VERB
ijosar-1126	357	76	to	to	ADP
ijosar-1126	357	77	unplanned	unplanned	ADJ
ijosar-1126	357	78	defaults	default	NOUN
ijosar-1126	357	79	/	/	SYM
ijosar-1126	357	80	collateral	collateral	NOUN
ijosar-1126	357	81	loss	loss	NOUN
ijosar-1126	357	82	.	.	PUNCT
ijosar-1126	358	1	the	the	DET
ijosar-1126	358	2	policy	policy	NOUN
ijosar-1126	358	3	imperatives	imperative	NOUN
ijosar-1126	358	4	are	be	AUX
ijosar-1126	358	5	that	that	PRON
ijosar-1126	358	6	of	of	ADP
ijosar-1126	358	7	interest	interest	NOUN
ijosar-1126	358	8	rate	rate	NOUN
ijosar-1126	358	9	caps	cap	NOUN
ijosar-1126	358	10	,	,	PUNCT
ijosar-1126	358	11	taking	take	VERB
ijosar-1126	358	12	cue	cue	NOUN
ijosar-1126	358	13	from	from	ADP
ijosar-1126	358	14	kenya	kenya	PROPN
ijosar-1126	358	15	’s	’s	PART
ijosar-1126	358	16	2023	2023	NUM
ijosar-1126	358	17	digital	digital	ADJ
ijosar-1126	358	18	credit	credit	NOUN
ijosar-1126	358	19	law	law	NOUN
ijosar-1126	358	20	capping	cap	VERB
ijosar-1126	358	21	rates	rate	NOUN
ijosar-1126	358	22	at	at	ADP
ijosar-1126	358	23	15	15	NUM
ijosar-1126	358	24	%	%	NOUN
ijosar-1126	358	25	.	.	PUNCT
ijosar-1126	359	1	loan	loan	NOUN
ijosar-1126	359	2	structuring	structuring	NOUN
ijosar-1126	359	3	wherein	wherein	SCONJ
ijosar-1126	359	4	there	there	PRON
ijosar-1126	359	5	should	should	AUX
ijosar-1126	359	6	be	be	AUX
ijosar-1126	359	7	a	a	DET
ijosar-1126	359	8	mandate	mandate	NOUN
ijosar-1126	359	9	grace	grace	NOUN
ijosar-1126	359	10	periods	period	NOUN
ijosar-1126	359	11	(	(	PUNCT
ijosar-1126	359	12	≥6	≥6	NUM
ijosar-1126	359	13	months	month	NOUN
ijosar-1126	359	14	)	)	PUNCT
ijosar-1126	359	15	for	for	ADP
ijosar-1126	359	16	growth	growth	NOUN
ijosar-1126	359	17	-	-	PUNCT
ijosar-1126	359	18	stage	stage	NOUN
ijosar-1126	359	19	smes	sme	NOUN
ijosar-1126	359	20	.	.	PUNCT
ijosar-1126	360	1	embed	embe	VERB
ijosar-1126	360	2	financial	financial	ADJ
ijosar-1126	360	3	education	education	NOUN
ijosar-1126	360	4	in	in	ADP
ijosar-1126	360	5	apps	app	NOUN
ijosar-1126	360	6	such	such	ADJ
ijosar-1126	360	7	as	as	ADP
ijosar-1126	360	8	loan	loan	NOUN
ijosar-1126	360	9	calculators	calculator	NOUN
ijosar-1126	360	10	with	with	ADP
ijosar-1126	360	11	risk	risk	NOUN
ijosar-1126	360	12	warnings	warning	NOUN
ijosar-1126	360	13	,	,	PUNCT
ijosar-1126	360	14	to	to	PART
ijosar-1126	360	15	enhance	enhance	VERB
ijosar-1126	360	16	literacy	literacy	NOUN
ijosar-1126	360	17	integration	integration	NOUN
ijosar-1126	360	18	.	.	PUNCT
ijosar-1126	361	1	ijo	ijo	PROPN
ijosar-1126	361	2	journals	journal	NOUN
ijosar-1126	361	3	volume	volume	NOUN
ijosar-1126	361	4	08	08	NUM
ijosar-1126	362	1	|	|	ADV
ijosar-1126	362	2	issue	issue	NOUN
ijosar-1126	362	3	08	08	NUM
ijosar-1126	363	1	|	|	ADV
ijosar-1126	363	2	august	august	PROPN
ijosar-1126	363	3	2025	2025	NUM
ijosar-1126	363	4	|	|	ADV
ijosar-1126	363	5	https://ijojournals.com/index.php/ssh/index	https://ijojournals.com/index.php/ssh/index	NOUN
ijosar-1126	363	6	102	102	NUM
ijosar-1126	363	7	ijointernational	ijointernational	ADJ
ijosar-1126	363	8	journal	journal	NOUN
ijosar-1126	363	9	of	of	ADP
ijosar-1126	363	10	social	social	ADJ
ijosar-1126	363	11	science	science	NOUN
ijosar-1126	363	12	and	and	CCONJ
ijosar-1126	363	13	humanities	humanity	NOUN
ijosar-1126	363	14	research	research	NOUN
ijosar-1126	363	15	(	(	PUNCT
ijosar-1126	363	16	issn	issn	PROPN
ijosar-1126	363	17	2811	2811	NUM
ijosar-1126	363	18	-	-	SYM
ijosar-1126	363	19	2466	2466	NUM
ijosar-1126	363	20	)	)	PUNCT
ijosar-1126	363	21	obiora	obiora	PROPN
ijosar-1126	363	22	peters	peters	PROPN
ijosar-1126	363	23	,	,	PUNCT
ijosar-1126	363	24	emeka	emeka	VERB
ijosar-1126	363	25	phd1	phd1	PROPN
ijosar-1126	363	26	*	*	PUNCT
ijosar-1126	363	27	https://ijojournals.com/	https://ijojournals.com/	PROPN
ijosar-1126	363	28	volume	volume	NOUN
ijosar-1126	363	29	08	08	NUM
ijosar-1126	364	1	||	||	PROPN
ijosar-1126	364	2	issue	issue	NOUN
ijosar-1126	364	3	08	08	NUM
ijosar-1126	364	4	||	||	NOUN
ijosar-1126	364	5	august	august	PROPN
ijosar-1126	364	6	,	,	PUNCT
ijosar-1126	364	7	2025	2025	NUM
ijosar-1126	364	8	||	||	PUNCT
ijosar-1126	365	1	“	"	PUNCT
ijosar-1126	365	2	the	the	DET
ijosar-1126	365	3	impact	impact	NOUN
ijosar-1126	365	4	of	of	ADP
ijosar-1126	365	5	financial	financial	ADJ
ijosar-1126	365	6	technology	technology	NOUN
ijosar-1126	365	7	on	on	ADP
ijosar-1126	365	8	the	the	DET
ijosar-1126	365	9	growth	growth	NOUN
ijosar-1126	365	10	of	of	ADP
ijosar-1126	365	11	smes	sme	NOUN
ijosar-1126	365	12	in	in	ADP
ijosar-1126	365	13	rwanda	rwanda	PROPN
ijosar-1126	365	14	(	(	PUNCT
ijosar-1126	365	15	2020	2020	NUM
ijosar-1126	365	16	-	-	SYM
ijosar-1126	365	17	2024	2024	NUM
ijosar-1126	365	18	)	)	PUNCT
ijosar-1126	365	19	"	"	PUNCT
ijosar-1126	365	20	the	the	DET
ijosar-1126	365	21	paradox	paradox	NOUN
ijosar-1126	365	22	revealed	reveal	VERB
ijosar-1126	365	23	is	be	AUX
ijosar-1126	365	24	that	that	SCONJ
ijosar-1126	365	25	digital	digital	ADJ
ijosar-1126	365	26	lending	lending	NOUN
ijosar-1126	365	27	could	could	AUX
ijosar-1126	365	28	empower	empower	VERB
ijosar-1126	365	29	smes	sme	NOUN
ijosar-1126	365	30	,	,	PUNCT
ijosar-1126	365	31	but	but	CCONJ
ijosar-1126	365	32	rwanda	rwanda	PROPN
ijosar-1126	365	33	’s	’s	PART
ijosar-1126	365	34	current	current	ADJ
ijosar-1126	365	35	model	model	NOUN
ijosar-1126	365	36	functions	function	NOUN
ijosar-1126	365	37	as	as	ADP
ijosar-1126	365	38	an	an	DET
ijosar-1126	365	39	extractive	extractive	ADJ
ijosar-1126	365	40	system	system	NOUN
ijosar-1126	365	41	,	,	PUNCT
ijosar-1126	365	42	siphoning	siphon	VERB
ijosar-1126	365	43	capital	capital	NOUN
ijosar-1126	365	44	from	from	ADP
ijosar-1126	365	45	fragile	fragile	ADJ
ijosar-1126	365	46	businesses	business	NOUN
ijosar-1126	365	47	through	through	ADP
ijosar-1126	365	48	high	high	ADJ
ijosar-1126	365	49	-	-	PUNCT
ijosar-1126	365	50	frequency	frequency	NOUN
ijosar-1126	365	51	,	,	PUNCT
ijosar-1126	365	52	high	high	ADJ
ijosar-1126	365	53	-	-	PUNCT
ijosar-1126	365	54	cost	cost	NOUN
ijosar-1126	365	55	micro	micro	NOUN
ijosar-1126	365	56	-	-	NOUN
ijosar-1126	365	57	loans	loan	NOUN
ijosar-1126	365	58	.	.	PUNCT
ijosar-1126	366	1	this	this	PRON
ijosar-1126	366	2	demands	demand	VERB
ijosar-1126	366	3	urgent	urgent	ADJ
ijosar-1126	366	4	institutional	institutional	ADJ
ijosar-1126	366	5	intervention	intervention	NOUN
ijosar-1126	366	6	to	to	PART
ijosar-1126	366	7	realign	realign	VERB
ijosar-1126	366	8	fintech	fintech	NOUN
ijosar-1126	366	9	with	with	ADP
ijosar-1126	366	10	national	national	ADJ
ijosar-1126	366	11	development	development	NOUN
ijosar-1126	366	12	goals	goal	NOUN
ijosar-1126	366	13	.	.	PUNCT
ijosar-1126	367	1	this	this	PRON
ijosar-1126	367	2	contradicts	contradict	VERB
ijosar-1126	367	3	conventional	conventional	ADJ
ijosar-1126	367	4	expectations	expectation	NOUN
ijosar-1126	367	5	but	but	CCONJ
ijosar-1126	367	6	aligns	align	VERB
ijosar-1126	367	7	with	with	ADP
ijosar-1126	367	8	studies	study	NOUN
ijosar-1126	367	9	highlighting	highlight	VERB
ijosar-1126	367	10	risks	risk	NOUN
ijosar-1126	367	11	of	of	ADP
ijosar-1126	367	12	digital	digital	ADJ
ijosar-1126	367	13	lending	lending	NOUN
ijosar-1126	367	14	in	in	ADP
ijosar-1126	367	15	developing	develop	VERB
ijosar-1126	367	16	economies	economy	NOUN
ijosar-1126	367	17	.	.	PUNCT
ijosar-1126	368	1	björkegren	björkegren	PROPN
ijosar-1126	368	2	et	et	PROPN
ijosar-1126	368	3	al	al	PROPN
ijosar-1126	368	4	.	.	PROPN
ijosar-1126	368	5	(	(	PUNCT
ijosar-1126	368	6	2022	2022	NUM
ijosar-1126	368	7	)	)	PUNCT
ijosar-1126	368	8	found	find	VERB
ijosar-1126	368	9	digital	digital	ADJ
ijosar-1126	368	10	loans	loan	NOUN
ijosar-1126	368	11	in	in	ADP
ijosar-1126	368	12	nigeria	nigeria	PROPN
ijosar-1126	368	13	improved	improve	VERB
ijosar-1126	368	14	subjective	subjective	ADJ
ijosar-1126	368	15	well	well	ADV
ijosar-1126	368	16	-	-	PUNCT
ijosar-1126	368	17	being	being	NOUN
ijosar-1126	368	18	but	but	CCONJ
ijosar-1126	368	19	not	not	PART
ijosar-1126	368	20	business	business	NOUN
ijosar-1126	368	21	outcomes	outcome	NOUN
ijosar-1126	368	22	,	,	PUNCT
ijosar-1126	368	23	while	while	SCONJ
ijosar-1126	368	24	okiro	okiro	NOUN
ijosar-1126	368	25	(	(	PUNCT
ijosar-1126	368	26	2016	2016	NUM
ijosar-1126	368	27	)	)	PUNCT
ijosar-1126	368	28	noted	note	VERB
ijosar-1126	368	29	only	only	ADJ
ijosar-1126	368	30	weak	weak	ADJ
ijosar-1126	368	31	turnover	turnover	NOUN
ijosar-1126	368	32	gains	gain	NOUN
ijosar-1126	368	33	despite	despite	SCONJ
ijosar-1126	368	34	liquidity	liquidity	NOUN
ijosar-1126	368	35	improvements	improvement	NOUN
ijosar-1126	368	36	.	.	PUNCT
ijosar-1126	369	1	in	in	ADP
ijosar-1126	369	2	rwanda	rwanda	PROPN
ijosar-1126	369	3	,	,	PUNCT
ijosar-1126	369	4	animhiaga	animhiaga	NOUN
ijosar-1126	369	5	(	(	PUNCT
ijosar-1126	369	6	2025	2025	NUM
ijosar-1126	369	7	)	)	PUNCT
ijosar-1126	369	8	documented	document	VERB
ijosar-1126	369	9	concerns	concern	NOUN
ijosar-1126	369	10	over	over	ADP
ijosar-1126	369	11	high	high	ADJ
ijosar-1126	369	12	interest	interest	NOUN
ijosar-1126	369	13	rates	rate	NOUN
ijosar-1126	369	14	and	and	CCONJ
ijosar-1126	369	15	overindebtedness	overindebtedness	NOUN
ijosar-1126	369	16	linked	link	VERB
ijosar-1126	369	17	to	to	ADP
ijosar-1126	369	18	platforms	platform	NOUN
ijosar-1126	369	19	like	like	ADP
ijosar-1126	369	20	mtn	mtn	PROPN
ijosar-1126	369	21	mokash	mokash	NOUN
ijosar-1126	369	22	.	.	PUNCT
ijosar-1126	370	1	this	this	PRON
ijosar-1126	370	2	is	be	AUX
ijosar-1126	370	3	explained	explain	VERB
ijosar-1126	370	4	by	by	ADP
ijosar-1126	370	5	financial	financial	ADJ
ijosar-1126	370	6	inclusion	inclusion	NOUN
ijosar-1126	370	7	theory	theory	NOUN
ijosar-1126	370	8	which	which	PRON
ijosar-1126	370	9	assumes	assume	VERB
ijosar-1126	370	10	that	that	SCONJ
ijosar-1126	370	11	credit	credit	NOUN
ijosar-1126	370	12	access	access	NOUN
ijosar-1126	370	13	automatically	automatically	ADV
ijosar-1126	370	14	enables	enable	VERB
ijosar-1126	370	15	growth	growth	NOUN
ijosar-1126	370	16	,	,	PUNCT
ijosar-1126	370	17	but	but	CCONJ
ijosar-1126	370	18	this	this	PRON
ijosar-1126	370	19	overlooks	overlook	VERB
ijosar-1126	370	20	contextual	contextual	ADJ
ijosar-1126	370	21	barriers	barrier	NOUN
ijosar-1126	370	22	where	where	SCONJ
ijosar-1126	370	23	high	high	ADJ
ijosar-1126	370	24	-	-	PUNCT
ijosar-1126	370	25	interest	interest	NOUN
ijosar-1126	370	26	rates	rate	NOUN
ijosar-1126	370	27	up	up	ADV
ijosar-1126	370	28	to	to	PART
ijosar-1126	370	29	30	30	NUM
ijosar-1126	370	30	%	%	NOUN
ijosar-1126	370	31	apr	apr	NOUN
ijosar-1126	370	32	on	on	ADP
ijosar-1126	370	33	rwandan	rwandan	PROPN
ijosar-1126	370	34	digital	digital	ADJ
ijosar-1126	370	35	loans	loan	NOUN
ijosar-1126	370	36	may	may	AUX
ijosar-1126	370	37	erode	erode	VERB
ijosar-1126	370	38	profitability;short	profitability;short	NOUN
ijosar-1126	370	39	repayment	repayment	NOUN
ijosar-1126	370	40	terms	term	NOUN
ijosar-1126	370	41	force	force	VERB
ijosar-1126	370	42	capital	capital	NOUN
ijosar-1126	370	43	diversion	diversion	NOUN
ijosar-1126	370	44	from	from	ADP
ijosar-1126	370	45	investments	investment	NOUN
ijosar-1126	370	46	to	to	ADP
ijosar-1126	370	47	debt	debt	NOUN
ijosar-1126	370	48	servicing	servicing	NOUN
ijosar-1126	370	49	and	and	CCONJ
ijosar-1126	370	50	limited	limited	ADJ
ijosar-1126	370	51	financial	financial	ADJ
ijosar-1126	370	52	literacy	literacy	NOUN
ijosar-1126	370	53	impedes	impede	VERB
ijosar-1126	370	54	strategic	strategic	ADJ
ijosar-1126	370	55	fund	fund	NOUN
ijosar-1126	370	56	usage	usage	NOUN
ijosar-1126	370	57	.	.	PUNCT
ijosar-1126	371	1	as	as	ADP
ijosar-1126	371	2	per	per	ADP
ijosar-1126	371	3	the	the	DET
ijosar-1126	371	4	resource	resource	NOUN
ijosar-1126	371	5	-	-	PUNCT
ijosar-1126	371	6	based	base	VERB
ijosar-1126	371	7	view	view	NOUN
ijosar-1126	371	8	(	(	PUNCT
ijosar-1126	371	9	rbv	rbv	NOUN
ijosar-1126	371	10	)	)	PUNCT
ijosar-1126	371	11	,	,	PUNCT
ijosar-1126	371	12	debt	debt	NOUN
ijosar-1126	371	13	without	without	ADP
ijosar-1126	371	14	complementary	complementary	ADJ
ijosar-1126	371	15	capabilities	capability	NOUN
ijosar-1126	371	16	as	as	SCONJ
ijosar-1126	371	17	financial	financial	ADJ
ijosar-1126	371	18	management	management	NOUN
ijosar-1126	371	19	becomes	become	VERB
ijosar-1126	371	20	a	a	DET
ijosar-1126	371	21	liability	liability	NOUN
ijosar-1126	371	22	rather	rather	ADV
ijosar-1126	371	23	than	than	ADP
ijosar-1126	371	24	a	a	DET
ijosar-1126	371	25	strategic	strategic	ADJ
ijosar-1126	371	26	resource	resource	NOUN
ijosar-1126	371	27	.	.	PUNCT
ijosar-1126	372	1	4.7.2	4.7.2	NUM
ijosar-1126	372	2	mobile	mobile	ADJ
ijosar-1126	372	3	money	money	NOUN
ijosar-1126	372	4	and	and	CCONJ
ijosar-1126	372	5	sme	sme	NOUN
ijosar-1126	372	6	growth	growth	NOUN
ijosar-1126	372	7	the	the	DET
ijosar-1126	372	8	stark	stark	ADJ
ijosar-1126	372	9	contrast	contrast	NOUN
ijosar-1126	372	10	in	in	ADP
ijosar-1126	372	11	mobile	mobile	ADJ
ijosar-1126	372	12	money	money	NOUN
ijosar-1126	372	13	's	's	PART
ijosar-1126	372	14	effects	effect	NOUN
ijosar-1126	372	15	is	be	AUX
ijosar-1126	372	16	that	that	SCONJ
ijosar-1126	372	17	it	it	PRON
ijosar-1126	372	18	is	be	AUX
ijosar-1126	372	19	strongly	strongly	ADV
ijosar-1126	372	20	boosting	boost	VERB
ijosar-1126	372	21	survival	survival	NOUN
ijosar-1126	372	22	while	while	SCONJ
ijosar-1126	372	23	showing	show	VERB
ijosar-1126	372	24	neutral	neutral	ADJ
ijosar-1126	372	25	impacts	impact	NOUN
ijosar-1126	372	26	on	on	ADP
ijosar-1126	372	27	expansion	expansion	NOUN
ijosar-1126	372	28	and	and	CCONJ
ijosar-1126	372	29	employment	employment	NOUN
ijosar-1126	372	30	;	;	PUNCT
ijosar-1126	372	31	and	and	CCONJ
ijosar-1126	372	32	reveals	reveal	VERB
ijosar-1126	372	33	fundamental	fundamental	ADJ
ijosar-1126	372	34	limitations	limitation	NOUN
ijosar-1126	372	35	in	in	ADP
ijosar-1126	372	36	how	how	SCONJ
ijosar-1126	372	37	this	this	DET
ijosar-1126	372	38	technology	technology	NOUN
ijosar-1126	372	39	currently	currently	ADV
ijosar-1126	372	40	interfaces	interface	VERB
ijosar-1126	372	41	with	with	ADP
ijosar-1126	372	42	sme	sme	NOUN
ijosar-1126	372	43	growth	growth	NOUN
ijosar-1126	372	44	ecosystems	ecosystem	NOUN
ijosar-1126	372	45	in	in	ADP
ijosar-1126	372	46	rwanda	rwanda	PROPN
ijosar-1126	372	47	.	.	PUNCT
ijosar-1126	373	1	at	at	ADP
ijosar-1126	373	2	its	its	PRON
ijosar-1126	373	3	core	core	NOUN
ijosar-1126	373	4	,	,	PUNCT
ijosar-1126	373	5	this	this	DET
ijosar-1126	373	6	result	result	NOUN
ijosar-1126	373	7	implies	imply	VERB
ijosar-1126	373	8	that	that	SCONJ
ijosar-1126	373	9	mobile	mobile	ADJ
ijosar-1126	373	10	money	money	NOUN
ijosar-1126	373	11	functions	function	NOUN
ijosar-1126	373	12	primarily	primarily	ADV
ijosar-1126	373	13	as	as	ADP
ijosar-1126	373	14	a	a	DET
ijosar-1126	373	15	stabilization	stabilization	NOUN
ijosar-1126	373	16	tool	tool	NOUN
ijosar-1126	373	17	rather	rather	ADV
ijosar-1126	373	18	than	than	ADP
ijosar-1126	373	19	a	a	DET
ijosar-1126	373	20	growth	growth	NOUN
ijosar-1126	373	21	catalyst	catalyst	NOUN
ijosar-1126	373	22	,	,	PUNCT
ijosar-1126	373	23	reshaping	reshape	VERB
ijosar-1126	373	24	our	our	PRON
ijosar-1126	373	25	understanding	understanding	NOUN
ijosar-1126	373	26	of	of	ADP
ijosar-1126	373	27	fintech	fintech	NOUN
ijosar-1126	373	28	's	's	PART
ijosar-1126	373	29	role	role	NOUN
ijosar-1126	373	30	in	in	ADP
ijosar-1126	373	31	developing	develop	VERB
ijosar-1126	373	32	economies	economy	NOUN
ijosar-1126	373	33	.	.	PUNCT
ijosar-1126	374	1	the	the	DET
ijosar-1126	374	2	result	result	NOUN
ijosar-1126	374	3	shows	show	VERB
ijosar-1126	374	4	that	that	SCONJ
ijosar-1126	374	5	mobile	mobile	ADJ
ijosar-1126	374	6	money	money	NOUN
ijosar-1126	374	7	(	(	PUNCT
ijosar-1126	374	8	mm	mm	NOUN
ijosar-1126	374	9	)	)	PUNCT
ijosar-1126	374	10	significantly	significantly	ADV
ijosar-1126	374	11	enhanced	enhance	VERB
ijosar-1126	374	12	survival	survival	NOUN
ijosar-1126	374	13	/	/	SYM
ijosar-1126	374	14	longevity	longevity	NOUN
ijosar-1126	374	15	(	(	PUNCT
ijosar-1126	374	16	β	β	X
ijosar-1126	374	17	=	=	SYM
ijosar-1126	374	18	1.764	1.764	NUM
ijosar-1126	374	19	,	,	PUNCT
ijosar-1126	374	20	p<0.001	p<0.001	PROPN
ijosar-1126	374	21	)	)	PUNCT
ijosar-1126	374	22	.	.	PUNCT
ijosar-1126	375	1	this	this	PRON
ijosar-1126	375	2	stems	stem	VERB
ijosar-1126	375	3	from	from	ADP
ijosar-1126	375	4	mobile	mobile	ADJ
ijosar-1126	375	5	money	money	NOUN
ijosar-1126	375	6	's	's	PART
ijosar-1126	375	7	unparalleled	unparalleled	ADJ
ijosar-1126	375	8	ability	ability	NOUN
ijosar-1126	375	9	to	to	PART
ijosar-1126	375	10	solve	solve	VERB
ijosar-1126	375	11	immediate	immediate	ADJ
ijosar-1126	375	12	operational	operational	ADJ
ijosar-1126	375	13	crises	crisis	NOUN
ijosar-1126	375	14	with	with	ADP
ijosar-1126	375	15	smes	sme	NOUN
ijosar-1126	375	16	,	,	PUNCT
ijosar-1126	375	17	via	via	ADP
ijosar-1126	375	18	p2p	p2p	NOUN
ijosar-1126	375	19	transfers	transfer	NOUN
ijosar-1126	375	20	allowing	allow	VERB
ijosar-1126	375	21	smes	sme	NOUN
ijosar-1126	375	22	to	to	PART
ijosar-1126	375	23	pay	pay	VERB
ijosar-1126	375	24	suppliers	supplier	NOUN
ijosar-1126	375	25	during	during	ADP
ijosar-1126	375	26	cash	cash	NOUN
ijosar-1126	375	27	crunches	crunch	NOUN
ijosar-1126	375	28	as	as	SCONJ
ijosar-1126	375	29	witnessed	witness	VERB
ijosar-1126	375	30	in	in	ADP
ijosar-1126	375	31	a	a	DET
ijosar-1126	375	32	kigali	kigali	ADJ
ijosar-1126	375	33	retailer	retailer	NOUN
ijosar-1126	375	34	paying	pay	VERB
ijosar-1126	375	35	a	a	DET
ijosar-1126	375	36	dar	dar	NOUN
ijosar-1126	375	37	es	es	X
ijosar-1126	375	38	salaam	salaam	PROPN
ijosar-1126	375	39	wholesaler	wholesaler	PROPN
ijosar-1126	375	40	during	during	ADP
ijosar-1126	375	41	currency	currency	NOUN
ijosar-1126	375	42	shortages	shortage	NOUN
ijosar-1126	375	43	.	.	PUNCT
ijosar-1126	376	1	reducing	reduce	VERB
ijosar-1126	376	2	cash	cash	NOUN
ijosar-1126	376	3	holdings	holding	NOUN
ijosar-1126	376	4	that	that	PRON
ijosar-1126	376	5	cuts	cut	VERB
ijosar-1126	376	6	robbery	robbery	NOUN
ijosar-1126	376	7	risks	risk	NOUN
ijosar-1126	376	8	which	which	PRON
ijosar-1126	376	9	is	be	AUX
ijosar-1126	376	10	critical	critical	ADJ
ijosar-1126	376	11	in	in	ADP
ijosar-1126	376	12	rwanda	rwanda	PROPN
ijosar-1126	376	13	where	where	SCONJ
ijosar-1126	376	14	27	27	NUM
ijosar-1126	376	15	%	%	NOUN
ijosar-1126	376	16	of	of	ADP
ijosar-1126	376	17	smes	sme	NOUN
ijosar-1126	376	18	reported	report	VERB
ijosar-1126	376	19	theft	theft	NOUN
ijosar-1126	376	20	-	-	PUNCT
ijosar-1126	376	21	related	relate	VERB
ijosar-1126	376	22	closures	closure	NOUN
ijosar-1126	376	23	(	(	PUNCT
ijosar-1126	376	24	bnr	bnr	PROPN
ijosar-1126	376	25	,	,	PUNCT
ijosar-1126	376	26	2024	2024	NUM
ijosar-1126	376	27	)	)	PUNCT
ijosar-1126	376	28	.	.	PUNCT
ijosar-1126	377	1	settling	settle	VERB
ijosar-1126	377	2	bills	bill	NOUN
ijosar-1126	377	3	in	in	ADP
ijosar-1126	377	4	seconds	second	NOUN
ijosar-1126	377	5	versus	versus	ADP
ijosar-1126	377	6	bank	bank	NOUN
ijosar-1126	377	7	delays	delay	NOUN
ijosar-1126	377	8	(	(	PUNCT
ijosar-1126	377	9	3	3	NUM
ijosar-1126	377	10	-	-	SYM
ijosar-1126	377	11	5	5	NUM
ijosar-1126	377	12	days	day	NOUN
ijosar-1126	377	13	)	)	PUNCT
ijosar-1126	377	14	prevents	prevent	VERB
ijosar-1126	377	15	contract	contract	NOUN
ijosar-1126	377	16	cancellations.this	cancellations.this	PRON
ijosar-1126	377	17	ijo	ijo	NOUN
ijosar-1126	377	18	journals	journal	NOUN
ijosar-1126	377	19	volume	volume	NOUN
ijosar-1126	377	20	08	08	NUM
ijosar-1126	378	1	|	|	ADV
ijosar-1126	378	2	issue	issue	NOUN
ijosar-1126	378	3	08	08	NUM
ijosar-1126	379	1	|	|	ADV
ijosar-1126	379	2	august	august	PROPN
ijosar-1126	379	3	2025	2025	NUM
ijosar-1126	379	4	|	|	ADV
ijosar-1126	379	5	https://ijojournals.com/index.php/ssh/index	https://ijojournals.com/index.php/ssh/index	NOUN
ijosar-1126	379	6	103	103	NUM
ijosar-1126	379	7	ijointernational	ijointernational	ADJ
ijosar-1126	379	8	journal	journal	NOUN
ijosar-1126	379	9	of	of	ADP
ijosar-1126	379	10	social	social	ADJ
ijosar-1126	379	11	science	science	NOUN
ijosar-1126	379	12	and	and	CCONJ
ijosar-1126	379	13	humanities	humanity	NOUN
ijosar-1126	379	14	research	research	NOUN
ijosar-1126	379	15	(	(	PUNCT
ijosar-1126	379	16	issn	issn	PROPN
ijosar-1126	379	17	2811	2811	NUM
ijosar-1126	379	18	-	-	SYM
ijosar-1126	379	19	2466	2466	NUM
ijosar-1126	379	20	)	)	PUNCT
ijosar-1126	379	21	obiora	obiora	PROPN
ijosar-1126	379	22	peters	peters	PROPN
ijosar-1126	379	23	,	,	PUNCT
ijosar-1126	379	24	emeka	emeka	VERB
ijosar-1126	379	25	phd1	phd1	PROPN
ijosar-1126	379	26	*	*	PUNCT
ijosar-1126	379	27	https://ijojournals.com/	https://ijojournals.com/	PROPN
ijosar-1126	379	28	volume	volume	NOUN
ijosar-1126	379	29	08	08	NUM
ijosar-1126	380	1	||	||	PROPN
ijosar-1126	380	2	issue	issue	NOUN
ijosar-1126	380	3	08	08	NUM
ijosar-1126	380	4	||	||	NOUN
ijosar-1126	380	5	august	august	PROPN
ijosar-1126	380	6	,	,	PUNCT
ijosar-1126	380	7	2025	2025	NUM
ijosar-1126	380	8	||	||	PUNCT
ijosar-1126	381	1	“	"	PUNCT
ijosar-1126	381	2	the	the	DET
ijosar-1126	381	3	impact	impact	NOUN
ijosar-1126	381	4	of	of	ADP
ijosar-1126	381	5	financial	financial	ADJ
ijosar-1126	381	6	technology	technology	NOUN
ijosar-1126	381	7	on	on	ADP
ijosar-1126	381	8	the	the	DET
ijosar-1126	381	9	growth	growth	NOUN
ijosar-1126	381	10	of	of	ADP
ijosar-1126	381	11	smes	sme	NOUN
ijosar-1126	381	12	in	in	ADP
ijosar-1126	381	13	rwanda	rwanda	PROPN
ijosar-1126	381	14	(	(	PUNCT
ijosar-1126	381	15	2020	2020	NUM
ijosar-1126	381	16	-	-	SYM
ijosar-1126	381	17	2024	2024	NUM
ijosar-1126	381	18	)	)	PUNCT
ijosar-1126	381	19	"	"	PUNCT
ijosar-1126	381	20	aligns	align	VERB
ijosar-1126	381	21	with	with	ADP
ijosar-1126	381	22	jack	jack	PROPN
ijosar-1126	381	23	&	&	CCONJ
ijosar-1126	381	24	suri	suri	PROPN
ijosar-1126	381	25	’s	’s	PART
ijosar-1126	381	26	(	(	PUNCT
ijosar-1126	381	27	2024	2024	NUM
ijosar-1126	381	28	)	)	PUNCT
ijosar-1126	381	29	"	"	PUNCT
ijosar-1126	381	30	resilience	resilience	NOUN
ijosar-1126	381	31	hypothesis	hypothesis	NOUN
ijosar-1126	381	32	"	"	PUNCT
ijosar-1126	381	33	which	which	PRON
ijosar-1126	381	34	states	state	VERB
ijosar-1126	381	35	that	that	SCONJ
ijosar-1126	381	36	mobile	mobile	ADJ
ijosar-1126	381	37	money	money	NOUN
ijosar-1126	381	38	acts	act	VERB
ijosar-1126	381	39	as	as	ADP
ijosar-1126	381	40	a	a	DET
ijosar-1126	381	41	digital	digital	ADJ
ijosar-1126	381	42	safety	safety	NOUN
ijosar-1126	381	43	net	net	NOUN
ijosar-1126	381	44	.	.	PUNCT
ijosar-1126	382	1	however	however	ADV
ijosar-1126	382	2	,	,	PUNCT
ijosar-1126	382	3	the	the	DET
ijosar-1126	382	4	neutral	neutral	ADJ
ijosar-1126	382	5	coefficients	coefficient	NOUN
ijosar-1126	382	6	for	for	ADP
ijosar-1126	382	7	expansion	expansion	NOUN
ijosar-1126	382	8	(	(	PUNCT
ijosar-1126	382	9	β	β	X
ijosar-1126	382	10	=	=	SYM
ijosar-1126	382	11	-0.298	-0.298	PUNCT
ijosar-1126	382	12	)	)	PUNCT
ijosar-1126	382	13	and	and	CCONJ
ijosar-1126	382	14	employment	employment	NOUN
ijosar-1126	382	15	(	(	PUNCT
ijosar-1126	382	16	β	β	X
ijosar-1126	382	17	=	=	SYM
ijosar-1126	382	18	0.118	0.118	NUM
ijosar-1126	382	19	)	)	PUNCT
ijosar-1126	382	20	expose	expose	VERB
ijosar-1126	382	21	structural	structural	ADJ
ijosar-1126	382	22	constraints	constraint	NOUN
ijosar-1126	382	23	such	such	ADJ
ijosar-1126	382	24	as	as	ADP
ijosar-1126	382	25	feature	feature	NOUN
ijosar-1126	382	26	-	-	PUNCT
ijosar-1126	382	27	limited	limit	VERB
ijosar-1126	382	28	design	design	NOUN
ijosar-1126	382	29	where	where	SCONJ
ijosar-1126	382	30	rwanda	rwanda	PROPN
ijosar-1126	382	31	’s	’s	PART
ijosar-1126	382	32	mobile	mobile	ADJ
ijosar-1126	382	33	money	money	NOUN
ijosar-1126	382	34	apps	app	NOUN
ijosar-1126	382	35	such	such	ADJ
ijosar-1126	382	36	as	as	ADP
ijosar-1126	382	37	mtn	mtn	PROPN
ijosar-1126	382	38	momo	momo	PROPN
ijosar-1126	382	39	,	,	PUNCT
ijosar-1126	382	40	airtel	airtel	NOUN
ijosar-1126	382	41	money	money	NOUN
ijosar-1126	382	42	focus	focus	VERB
ijosar-1126	382	43	on	on	ADP
ijosar-1126	382	44	p2p	p2p	NOUN
ijosar-1126	382	45	transfers	transfer	NOUN
ijosar-1126	382	46	,	,	PUNCT
ijosar-1126	382	47	not	not	PART
ijosar-1126	382	48	business	business	NOUN
ijosar-1126	382	49	scalability	scalability	NOUN
ijosar-1126	382	50	.	.	PUNCT
ijosar-1126	383	1	only	only	ADV
ijosar-1126	383	2	12	12	NUM
ijosar-1126	383	3	%	%	NOUN
ijosar-1126	383	4	offer	offer	NOUN
ijosar-1126	383	5	invoicing	invoicing	NOUN
ijosar-1126	383	6	,	,	PUNCT
ijosar-1126	383	7	and	and	CCONJ
ijosar-1126	383	8	0	0	NUM
ijosar-1126	383	9	%	%	NOUN
ijosar-1126	383	10	integrate	integrate	VERB
ijosar-1126	383	11	inventory	inventory	NOUN
ijosar-1126	383	12	management	management	NOUN
ijosar-1126	383	13	(	(	PUNCT
ijosar-1126	383	14	rwanda	rwanda	PROPN
ijosar-1126	383	15	fintech	fintech	PROPN
ijosar-1126	383	16	association	association	NOUN
ijosar-1126	383	17	,	,	PUNCT
ijosar-1126	383	18	2025).cost	2025).cost	NUM
ijosar-1126	383	19	barriers	barrier	NOUN
ijosar-1126	383	20	which	which	PRON
ijosar-1126	383	21	suggest	suggest	VERB
ijosar-1126	383	22	that	that	SCONJ
ijosar-1126	383	23	transaction	transaction	NOUN
ijosar-1126	383	24	fees	fee	NOUN
ijosar-1126	383	25	(	(	PUNCT
ijosar-1126	383	26	0.5	0.5	NUM
ijosar-1126	383	27	-	-	SYM
ijosar-1126	383	28	2	2	NUM
ijosar-1126	383	29	%	%	NOUN
ijosar-1126	383	30	per	per	ADP
ijosar-1126	383	31	transfer	transfer	NOUN
ijosar-1126	383	32	)	)	PUNCT
ijosar-1126	383	33	accumulate	accumulate	VERB
ijosar-1126	383	34	rapidly	rapidly	ADV
ijosar-1126	383	35	for	for	ADP
ijosar-1126	383	36	high	high	ADJ
ijosar-1126	383	37	-	-	PUNCT
ijosar-1126	383	38	volume	volume	NOUN
ijosar-1126	383	39	smes	sme	NOUN
ijosar-1126	383	40	.	.	PUNCT
ijosar-1126	384	1	a	a	DET
ijosar-1126	384	2	gisenyi	gisenyi	PROPN
ijosar-1126	384	3	agro	agro	NOUN
ijosar-1126	384	4	-	-	PUNCT
ijosar-1126	384	5	exporter	exporter	NOUN
ijosar-1126	384	6	paying	pay	VERB
ijosar-1126	384	7	50	50	NUM
ijosar-1126	384	8	+	+	NUM
ijosar-1126	384	9	daily	daily	ADJ
ijosar-1126	384	10	transactions	transaction	NOUN
ijosar-1126	384	11	loses	lose	VERB
ijosar-1126	384	12	≈15	≈15	ADP
ijosar-1126	384	13	%	%	NOUN
ijosar-1126	384	14	margins	margin	NOUN
ijosar-1126	384	15	annually	annually	ADV
ijosar-1126	384	16	.	.	PUNCT
ijosar-1126	385	1	similarly	similarly	ADV
ijosar-1126	385	2	,	,	PUNCT
ijosar-1126	385	3	financial	financial	ADJ
ijosar-1126	385	4	system	system	NOUN
ijosar-1126	385	5	silos	silo	NOUN
ijosar-1126	385	6	with	with	ADP
ijosar-1126	385	7	respect	respect	NOUN
ijosar-1126	385	8	to	to	ADP
ijosar-1126	385	9	mobile	mobile	ADJ
ijosar-1126	385	10	money	money	NOUN
ijosar-1126	385	11	wallets	wallet	NOUN
ijosar-1126	385	12	rarely	rarely	ADV
ijosar-1126	385	13	connect	connect	VERB
ijosar-1126	385	14	to	to	ADP
ijosar-1126	385	15	formal	formal	ADJ
ijosar-1126	385	16	credit	credit	NOUN
ijosar-1126	385	17	/	/	SYM
ijosar-1126	385	18	scoring	scoring	NOUN
ijosar-1126	385	19	systems	system	NOUN
ijosar-1126	385	20	.	.	PUNCT
ijosar-1126	386	1	without	without	ADP
ijosar-1126	386	2	this	this	DET
ijosar-1126	386	3	link	link	NOUN
ijosar-1126	386	4	,	,	PUNCT
ijosar-1126	386	5	smes	sme	NOUN
ijosar-1126	386	6	ca	can	AUX
ijosar-1126	386	7	n’t	not	PART
ijosar-1126	386	8	leverage	leverage	VERB
ijosar-1126	386	9	transaction	transaction	NOUN
ijosar-1126	386	10	histories	history	NOUN
ijosar-1126	386	11	for	for	ADP
ijosar-1126	386	12	growth	growth	NOUN
ijosar-1126	386	13	loans	loan	NOUN
ijosar-1126	386	14	,	,	PUNCT
ijosar-1126	386	15	unlike	unlike	ADP
ijosar-1126	386	16	kenya	kenya	PROPN
ijosar-1126	386	17	’s	’s	PART
ijosar-1126	386	18	m	m	PROPN
ijosar-1126	386	19	-	-	PUNCT
ijosar-1126	386	20	pesa	pesa	NOUN
ijosar-1126	386	21	-	-	PUNCT
ijosar-1126	386	22	powered	power	VERB
ijosar-1126	386	23	fuliza	fuliza	NOUN
ijosar-1126	386	24	overdrafts	overdraft	NOUN
ijosar-1126	386	25	.	.	PUNCT
ijosar-1126	387	1	mobile	mobile	ADJ
ijosar-1126	387	2	money	money	NOUN
ijosar-1126	387	3	helps	help	VERB
ijosar-1126	387	4	a	a	DET
ijosar-1126	387	5	kigali	kigali	PROPN
ijosar-1126	387	6	café	café	NOUN
ijosar-1126	387	7	survive	survive	NOUN
ijosar-1126	387	8	by	by	ADP
ijosar-1126	387	9	paying	pay	VERB
ijosar-1126	387	10	coffee	coffee	NOUN
ijosar-1126	387	11	bean	bean	NOUN
ijosar-1126	387	12	suppliers	supplier	NOUN
ijosar-1126	387	13	instantly	instantly	ADV
ijosar-1126	387	14	but	but	CCONJ
ijosar-1126	387	15	does	do	AUX
ijosar-1126	387	16	n’t	not	PART
ijosar-1126	387	17	help	help	VERB
ijosar-1126	387	18	it	it	PRON
ijosar-1126	387	19	expand	expand	VERB
ijosar-1126	387	20	to	to	ADP
ijosar-1126	387	21	new	new	ADJ
ijosar-1126	387	22	cities	city	NOUN
ijosar-1126	387	23	because	because	SCONJ
ijosar-1126	387	24	it	it	PRON
ijosar-1126	387	25	lacks	lack	VERB
ijosar-1126	387	26	tools	tool	NOUN
ijosar-1126	387	27	to	to	PART
ijosar-1126	387	28	manage	manage	VERB
ijosar-1126	387	29	multi	multi	ADJ
ijosar-1126	387	30	-	-	ADJ
ijosar-1126	387	31	location	location	ADJ
ijosar-1126	387	32	cash	cash	NOUN
ijosar-1126	387	33	flows	flow	NOUN
ijosar-1126	387	34	or	or	CCONJ
ijosar-1126	387	35	access	access	NOUN
ijosar-1126	387	36	expansion	expansion	NOUN
ijosar-1126	387	37	capital	capital	NOUN
ijosar-1126	387	38	.	.	PUNCT
ijosar-1126	388	1	this	this	DET
ijosar-1126	388	2	outcomes	outcome	NOUN
ijosar-1126	388	3	have	have	VERB
ijosar-1126	388	4	respective	respective	ADJ
ijosar-1126	388	5	policy	policy	NOUN
ijosar-1126	388	6	and	and	CCONJ
ijosar-1126	388	7	market	market	NOUN
ijosar-1126	388	8	implications	implication	NOUN
ijosar-1126	388	9	such	such	ADJ
ijosar-1126	388	10	as	as	ADP
ijosar-1126	388	11	,	,	PUNCT
ijosar-1126	388	12	moving	move	VERB
ijosar-1126	388	13	from	from	ADP
ijosar-1126	388	14	basic	basic	ADJ
ijosar-1126	388	15	transfers	transfer	NOUN
ijosar-1126	388	16	to	to	ADP
ijosar-1126	388	17	"	"	PUNCT
ijosar-1126	388	18	smart	smart	ADJ
ijosar-1126	388	19	"	"	PUNCT
ijosar-1126	388	20	business	business	NOUN
ijosar-1126	388	21	tools	tool	NOUN
ijosar-1126	388	22	by	by	ADP
ijosar-1126	388	23	integrating	integrate	VERB
ijosar-1126	388	24	accounting	accounting	NOUN
ijosar-1126	388	25	quickbooks	quickbook	NOUN
ijosar-1126	388	26	,	,	PUNCT
ijosar-1126	388	27	payroll	payroll	NOUN
ijosar-1126	388	28	,	,	PUNCT
ijosar-1126	388	29	and	and	CCONJ
ijosar-1126	388	30	tax	tax	NOUN
ijosar-1126	388	31	modules	module	NOUN
ijosar-1126	388	32	into	into	ADP
ijosar-1126	388	33	mobile	mobile	ADJ
ijosar-1126	388	34	money	money	NOUN
ijosar-1126	388	35	apps	app	NOUN
ijosar-1126	388	36	;	;	PUNCT
ijosar-1126	388	37	sliding	slide	VERB
ijosar-1126	388	38	-	-	PUNCT
ijosar-1126	388	39	scale	scale	NOUN
ijosar-1126	388	40	fees	fee	NOUN
ijosar-1126	388	41	like	like	ADP
ijosar-1126	388	42	0.1	0.1	NUM
ijosar-1126	388	43	%	%	NOUN
ijosar-1126	388	44	for	for	ADP
ijosar-1126	388	45	transactions	transaction	NOUN
ijosar-1126	388	46	>	>	PUNCT
ijosar-1126	388	47	rwf	rwf	NOUN
ijosar-1126	388	48	1	1	NUM
ijosar-1126	388	49	million	million	NUM
ijosar-1126	388	50	)	)	PUNCT
ijosar-1126	388	51	to	to	PART
ijosar-1126	388	52	retain	retain	VERB
ijosar-1126	388	53	scaling	scale	VERB
ijosar-1126	388	54	smes(fee	smes(fee	NOUN
ijosar-1126	388	55	restructuring	restructuring	NOUN
ijosar-1126	388	56	)	)	PUNCT
ijosar-1126	388	57	,	,	PUNCT
ijosar-1126	388	58	interoperability	interoperability	NOUN
ijosar-1126	388	59	mandates	mandate	NOUN
ijosar-1126	388	60	which	which	PRON
ijosar-1126	388	61	force	force	VERB
ijosar-1126	388	62	linkages	linkage	NOUN
ijosar-1126	388	63	between	between	ADP
ijosar-1126	388	64	mobile	mobile	ADJ
ijosar-1126	388	65	wallets	wallet	NOUN
ijosar-1126	388	66	and	and	CCONJ
ijosar-1126	388	67	digital	digital	ADJ
ijosar-1126	388	68	credit	credit	NOUN
ijosar-1126	388	69	platforms	platform	NOUN
ijosar-1126	388	70	thereby	thereby	ADV
ijosar-1126	388	71	enabling	enable	VERB
ijosar-1126	388	72	automatic	automatic	ADJ
ijosar-1126	388	73	loan	loan	NOUN
ijosar-1126	388	74	eligibility	eligibility	NOUN
ijosar-1126	388	75	based	base	VERB
ijosar-1126	388	76	on	on	ADP
ijosar-1126	388	77	transaction	transaction	NOUN
ijosar-1126	388	78	volume	volume	NOUN
ijosar-1126	388	79	.	.	PUNCT
ijosar-1126	389	1	without	without	ADP
ijosar-1126	389	2	these	these	DET
ijosar-1126	389	3	upgrades	upgrade	NOUN
ijosar-1126	389	4	,	,	PUNCT
ijosar-1126	389	5	mobile	mobile	ADJ
ijosar-1126	389	6	money	money	NOUN
ijosar-1126	389	7	’s	’s	PART
ijosar-1126	389	8	potential	potential	ADJ
ijosar-1126	389	9	remains	remain	VERB
ijosar-1126	389	10	capped	cap	VERB
ijosar-1126	389	11	at	at	ADP
ijosar-1126	389	12	crisis	crisis	NOUN
ijosar-1126	389	13	management	management	NOUN
ijosar-1126	389	14	,	,	PUNCT
ijosar-1126	389	15	failing	fail	VERB
ijosar-1126	389	16	rwanda	rwanda	PROPN
ijosar-1126	389	17	’s	’s	PART
ijosar-1126	389	18	goal	goal	NOUN
ijosar-1126	389	19	to	to	PART
ijosar-1126	389	20	leverage	leverage	VERB
ijosar-1126	389	21	fintech	fintech	NOUN
ijosar-1126	389	22	for	for	ADP
ijosar-1126	389	23	transformational	transformational	ADJ
ijosar-1126	389	24	sme	sme	NOUN
ijosar-1126	389	25	growth	growth	NOUN
ijosar-1126	389	26	under	under	ADP
ijosar-1126	389	27	vision	vision	NOUN
ijosar-1126	389	28	2050	2050	NUM
ijosar-1126	389	29	.	.	PUNCT
ijosar-1126	390	1	the	the	DET
ijosar-1126	390	2	technology	technology	NOUN
ijosar-1126	390	3	saves	save	VERB
ijosar-1126	390	4	businesses	business	NOUN
ijosar-1126	390	5	from	from	ADP
ijosar-1126	390	6	drowning	drown	VERB
ijosar-1126	390	7	but	but	CCONJ
ijosar-1126	390	8	does	do	AUX
ijosar-1126	390	9	n’t	not	PART
ijosar-1126	390	10	teach	teach	VERB
ijosar-1126	390	11	them	they	PRON
ijosar-1126	390	12	to	to	PART
ijosar-1126	390	13	swim	swim	VERB
ijosar-1126	390	14	upstream	upstream	ADJ
ijosar-1126	390	15	.	.	PUNCT
ijosar-1126	391	1	however	however	ADV
ijosar-1126	391	2	,	,	PUNCT
ijosar-1126	391	3	mobile	mobile	ADJ
ijosar-1126	391	4	money	money	NOUN
ijosar-1126	391	5	had	have	VERB
ijosar-1126	391	6	no	no	DET
ijosar-1126	391	7	statistically	statistically	ADV
ijosar-1126	391	8	meaningful	meaningful	ADJ
ijosar-1126	391	9	impact	impact	NOUN
ijosar-1126	391	10	on	on	ADP
ijosar-1126	391	11	market	market	NOUN
ijosar-1126	391	12	expansion	expansion	NOUN
ijosar-1126	391	13	(	(	PUNCT
ijosar-1126	391	14	β	β	X
ijosar-1126	391	15	=	=	SYM
ijosar-1126	391	16	-0.298	-0.298	NOUN
ijosar-1126	391	17	,	,	PUNCT
ijosar-1126	391	18	p=0.143	p=0.143	NOUN
ijosar-1126	391	19	)	)	PUNCT
ijosar-1126	391	20	or	or	CCONJ
ijosar-1126	391	21	employment	employment	NOUN
ijosar-1126	391	22	growth	growth	NOUN
ijosar-1126	391	23	(	(	PUNCT
ijosar-1126	391	24	β	β	X
ijosar-1126	391	25	=	=	SYM
ijosar-1126	391	26	-0.118	-0.118	PROPN
ijosar-1126	391	27	,	,	PUNCT
ijosar-1126	391	28	p=0.673	p=0.673	NOUN
ijosar-1126	391	29	)	)	PUNCT
ijosar-1126	391	30	.	.	PUNCT
ijosar-1126	392	1	this	this	PRON
ijosar-1126	392	2	diverges	diverge	VERB
ijosar-1126	392	3	with	with	ADP
ijosar-1126	392	4	beck	beck	PROPN
ijosar-1126	392	5	et	et	PROPN
ijosar-1126	392	6	al	al	PROPN
ijosar-1126	392	7	.	.	PROPN
ijosar-1126	393	1	(	(	PUNCT
ijosar-1126	393	2	2022	2022	NUM
ijosar-1126	393	3	)	)	PUNCT
ijosar-1126	393	4	,	,	PUNCT
ijosar-1126	393	5	who	who	PRON
ijosar-1126	393	6	found	find	VERB
ijosar-1126	393	7	mobile	mobile	ADJ
ijosar-1126	393	8	money	money	NOUN
ijosar-1126	393	9	boosted	boost	VERB
ijosar-1126	393	10	productivity	productivity	NOUN
ijosar-1126	393	11	primarily	primarily	ADV
ijosar-1126	393	12	in	in	ADP
ijosar-1126	393	13	smes	sme	NOUN
ijosar-1126	393	14	(	(	PUNCT
ijosar-1126	393	15	not	not	PART
ijosar-1126	393	16	large	large	ADJ
ijosar-1126	393	17	firms	firm	NOUN
ijosar-1126	393	18	)	)	PUNCT
ijosar-1126	393	19	,	,	PUNCT
ijosar-1126	393	20	but	but	CCONJ
ijosar-1126	393	21	aligns	align	VERB
ijosar-1126	393	22	with	with	ADP
ijosar-1126	393	23	sinkala	sinkala	NOUN
ijosar-1126	393	24	(	(	PUNCT
ijosar-1126	393	25	2023	2023	NUM
ijosar-1126	393	26	)	)	PUNCT
ijosar-1126	393	27	,	,	PUNCT
ijosar-1126	393	28	who	who	PRON
ijosar-1126	393	29	linked	link	VERB
ijosar-1126	393	30	mobile	mobile	ADJ
ijosar-1126	393	31	money	money	NOUN
ijosar-1126	393	32	to	to	ADP
ijosar-1126	393	33	operational	operational	ADJ
ijosar-1126	393	34	efficiency	efficiency	NOUN
ijosar-1126	393	35	in	in	ADP
ijosar-1126	393	36	zambia	zambia	PROPN
ijosar-1126	393	37	.	.	PUNCT
ijosar-1126	394	1	however	however	ADV
ijosar-1126	394	2	,	,	PUNCT
ijosar-1126	394	3	its	its	PRON
ijosar-1126	394	4	limited	limited	ADJ
ijosar-1126	394	5	impact	impact	NOUN
ijosar-1126	394	6	on	on	ADP
ijosar-1126	394	7	expansion	expansion	NOUN
ijosar-1126	394	8	/	/	SYM
ijosar-1126	394	9	employment	employment	NOUN
ijosar-1126	394	10	reflects	reflect	VERB
ijosar-1126	394	11	its	its	PRON
ijosar-1126	394	12	dominant	dominant	ADJ
ijosar-1126	394	13	use	use	NOUN
ijosar-1126	394	14	for	for	ADP
ijosar-1126	394	15	transactions	transaction	NOUN
ijosar-1126	394	16	during	during	ADP
ijosar-1126	394	17	payments	payment	NOUN
ijosar-1126	394	18	rather	rather	ADV
ijosar-1126	394	19	than	than	ADP
ijosar-1126	394	20	growth	growth	NOUN
ijosar-1126	394	21	enablers	enabler	NOUN
ijosar-1126	394	22	as	as	ADP
ijosar-1126	394	23	scaling	scale	VERB
ijosar-1126	394	24	operations	operation	NOUN
ijosar-1126	394	25	.	.	PUNCT
ijosar-1126	395	1	the	the	DET
ijosar-1126	395	2	technology	technology	NOUN
ijosar-1126	395	3	acceptance	acceptance	NOUN
ijosar-1126	395	4	model	model	NOUN
ijosar-1126	395	5	ijo	ijo	PROPN
ijosar-1126	395	6	journals	journals	PROPN
ijosar-1126	395	7	volume	volume	NOUN
ijosar-1126	395	8	08	08	NUM
ijosar-1126	396	1	|	|	ADV
ijosar-1126	396	2	issue	issue	NOUN
ijosar-1126	396	3	08	08	NUM
ijosar-1126	397	1	|	|	ADV
ijosar-1126	397	2	august	august	PROPN
ijosar-1126	397	3	2025	2025	NUM
ijosar-1126	397	4	|	|	ADV
ijosar-1126	397	5	https://ijojournals.com/index.php/ssh/index	https://ijojournals.com/index.php/ssh/index	NOUN
ijosar-1126	397	6	104	104	NUM
ijosar-1126	397	7	ijointernational	ijointernational	ADJ
ijosar-1126	397	8	journal	journal	NOUN
ijosar-1126	397	9	of	of	ADP
ijosar-1126	397	10	social	social	ADJ
ijosar-1126	397	11	science	science	NOUN
ijosar-1126	397	12	and	and	CCONJ
ijosar-1126	397	13	humanities	humanity	NOUN
ijosar-1126	397	14	research	research	NOUN
ijosar-1126	397	15	(	(	PUNCT
ijosar-1126	397	16	issn	issn	PROPN
ijosar-1126	397	17	2811	2811	NUM
ijosar-1126	397	18	-	-	SYM
ijosar-1126	397	19	2466	2466	NUM
ijosar-1126	397	20	)	)	PUNCT
ijosar-1126	397	21	obiora	obiora	PROPN
ijosar-1126	397	22	peters	peters	PROPN
ijosar-1126	397	23	,	,	PUNCT
ijosar-1126	397	24	emeka	emeka	VERB
ijosar-1126	397	25	phd1	phd1	PROPN
ijosar-1126	397	26	*	*	PUNCT
ijosar-1126	397	27	https://ijojournals.com/	https://ijojournals.com/	PROPN
ijosar-1126	397	28	volume	volume	NOUN
ijosar-1126	397	29	08	08	NUM
ijosar-1126	398	1	||	||	PROPN
ijosar-1126	398	2	issue	issue	NOUN
ijosar-1126	398	3	08	08	NUM
ijosar-1126	398	4	||	||	NOUN
ijosar-1126	398	5	august	august	PROPN
ijosar-1126	398	6	,	,	PUNCT
ijosar-1126	398	7	2025	2025	NUM
ijosar-1126	398	8	||	||	PUNCT
ijosar-1126	399	1	“	"	PUNCT
ijosar-1126	399	2	the	the	DET
ijosar-1126	399	3	impact	impact	NOUN
ijosar-1126	399	4	of	of	ADP
ijosar-1126	399	5	financial	financial	ADJ
ijosar-1126	399	6	technology	technology	NOUN
ijosar-1126	399	7	on	on	ADP
ijosar-1126	399	8	the	the	DET
ijosar-1126	399	9	growth	growth	NOUN
ijosar-1126	399	10	of	of	ADP
ijosar-1126	399	11	smes	sme	NOUN
ijosar-1126	399	12	in	in	ADP
ijosar-1126	399	13	rwanda	rwanda	PROPN
ijosar-1126	399	14	(	(	PUNCT
ijosar-1126	399	15	2020	2020	NUM
ijosar-1126	399	16	-	-	SYM
ijosar-1126	399	17	2024	2024	NUM
ijosar-1126	399	18	)	)	PUNCT
ijosar-1126	399	19	"	"	PUNCT
ijosar-1126	399	20	(	(	PUNCT
ijosar-1126	399	21	tam	tam	NOUN
ijosar-1126	399	22	)	)	PUNCT
ijosar-1126	399	23	clarifies	clarify	VERB
ijosar-1126	399	24	this	this	DET
ijosar-1126	399	25	bifurcation	bifurcation	NOUN
ijosar-1126	399	26	by	by	ADP
ijosar-1126	399	27	explaining	explain	VERB
ijosar-1126	399	28	the	the	DET
ijosar-1126	399	29	idea	idea	NOUN
ijosar-1126	399	30	that	that	SCONJ
ijosar-1126	399	31	it	it	PRON
ijosar-1126	399	32	is	be	AUX
ijosar-1126	399	33	high	high	ADJ
ijosar-1126	399	34	for	for	ADP
ijosar-1126	399	35	daily	daily	ADJ
ijosar-1126	399	36	transactions	transaction	NOUN
ijosar-1126	399	37	and	and	CCONJ
ijosar-1126	399	38	reducing	reduce	VERB
ijosar-1126	399	39	cash	cash	NOUN
ijosar-1126	399	40	theft	theft	NOUN
ijosar-1126	399	41	,	,	PUNCT
ijosar-1126	399	42	enabling	enable	VERB
ijosar-1126	399	43	instant	instant	ADJ
ijosar-1126	399	44	payments	payment	NOUN
ijosar-1126	399	45	,	,	PUNCT
ijosar-1126	399	46	hence	hence	ADV
ijosar-1126	399	47	,	,	PUNCT
ijosar-1126	399	48	explaining	explain	VERB
ijosar-1126	399	49	survival	survival	NOUN
ijosar-1126	399	50	benefits	benefit	NOUN
ijosar-1126	399	51	.	.	PUNCT
ijosar-1126	400	1	also	also	ADV
ijosar-1126	400	2	,	,	PUNCT
ijosar-1126	400	3	explains	explain	VERB
ijosar-1126	400	4	perceived	perceive	VERB
ijosar-1126	400	5	ease	ease	NOUN
ijosar-1126	400	6	of	of	ADP
ijosar-1126	400	7	use	use	NOUN
ijosar-1126	400	8	where	where	SCONJ
ijosar-1126	400	9	it	it	PRON
ijosar-1126	400	10	does	do	AUX
ijosar-1126	400	11	not	not	PART
ijosar-1126	400	12	translate	translate	VERB
ijosar-1126	400	13	to	to	ADP
ijosar-1126	400	14	business	business	NOUN
ijosar-1126	400	15	scalability	scalability	NOUN
ijosar-1126	400	16	without	without	ADP
ijosar-1126	400	17	integrated	integrated	ADJ
ijosar-1126	400	18	features	feature	NOUN
ijosar-1126	400	19	such	such	ADJ
ijosar-1126	400	20	as	as	ADP
ijosar-1126	400	21	payroll	payroll	NOUN
ijosar-1126	400	22	,	,	PUNCT
ijosar-1126	400	23	inventory	inventory	NOUN
ijosar-1126	400	24	tools	tool	NOUN
ijosar-1126	400	25	.	.	PUNCT
ijosar-1126	401	1	rwanda	rwanda	PROPN
ijosar-1126	401	2	’s	’s	PART
ijosar-1126	401	3	mobile	mobile	ADJ
ijosar-1126	401	4	money	money	NOUN
ijosar-1126	401	5	infrastructure	infrastructure	NOUN
ijosar-1126	401	6	,	,	PUNCT
ijosar-1126	401	7	used	use	VERB
ijosar-1126	401	8	by	by	ADP
ijosar-1126	401	9	86	86	NUM
ijosar-1126	401	10	%	%	NOUN
ijosar-1126	401	11	of	of	ADP
ijosar-1126	401	12	adults	adult	NOUN
ijosar-1126	401	13	thus	thus	ADV
ijosar-1126	401	14	supports	support	VERB
ijosar-1126	401	15	resilience	resilience	NOUN
ijosar-1126	401	16	but	but	CCONJ
ijosar-1126	401	17	not	not	PART
ijosar-1126	401	18	transformation	transformation	NOUN
ijosar-1126	401	19	.	.	PUNCT
ijosar-1126	402	1	4.7.3	4.7.3	NUM
ijosar-1126	402	2	digital	digital	ADJ
ijosar-1126	402	3	credit	credit	NOUN
ijosar-1126	402	4	platforms	platform	NOUN
ijosar-1126	402	5	and	and	CCONJ
ijosar-1126	402	6	sme	sme	NOUN
ijosar-1126	402	7	growth	growth	NOUN
ijosar-1126	402	8	the	the	DET
ijosar-1126	402	9	empirical	empirical	ADJ
ijosar-1126	402	10	result	result	NOUN
ijosar-1126	402	11	on	on	ADP
ijosar-1126	402	12	digital	digital	ADJ
ijosar-1126	402	13	credit	credit	NOUN
ijosar-1126	402	14	platforms	platform	NOUN
ijosar-1126	402	15	(	(	PUNCT
ijosar-1126	402	16	dcps	dcp	NOUN
ijosar-1126	402	17	)	)	PUNCT
ijosar-1126	402	18	reveals	reveal	VERB
ijosar-1126	402	19	a	a	DET
ijosar-1126	402	20	nuanced	nuanced	ADJ
ijosar-1126	402	21	but	but	CCONJ
ijosar-1126	402	22	powerful	powerful	ADJ
ijosar-1126	402	23	influence	influence	NOUN
ijosar-1126	402	24	on	on	ADP
ijosar-1126	402	25	the	the	DET
ijosar-1126	402	26	growth	growth	NOUN
ijosar-1126	402	27	trajectory	trajectory	NOUN
ijosar-1126	402	28	of	of	ADP
ijosar-1126	402	29	smes	sme	NOUN
ijosar-1126	402	30	in	in	ADP
ijosar-1126	402	31	rwanda	rwanda	PROPN
ijosar-1126	402	32	.	.	PUNCT
ijosar-1126	403	1	the	the	DET
ijosar-1126	403	2	key	key	ADJ
ijosar-1126	403	3	finding	finding	NOUN
ijosar-1126	403	4	is	be	AUX
ijosar-1126	403	5	that	that	SCONJ
ijosar-1126	403	6	dcps	dcp	NOUN
ijosar-1126	403	7	significantly	significantly	ADV
ijosar-1126	403	8	enhance	enhance	VERB
ijosar-1126	403	9	sme	sme	PROPN
ijosar-1126	403	10	survival	survival	NOUN
ijosar-1126	403	11	/	/	SYM
ijosar-1126	403	12	longevity	longevity	NOUN
ijosar-1126	403	13	(	(	PUNCT
ijosar-1126	403	14	β	β	X
ijosar-1126	403	15	=	=	SYM
ijosar-1126	403	16	1.061	1.061	NUM
ijosar-1126	403	17	,	,	PUNCT
ijosar-1126	403	18	p<0.001	p<0.001	ADJ
ijosar-1126	403	19	)	)	PUNCT
ijosar-1126	403	20	and	and	CCONJ
ijosar-1126	403	21	market	market	NOUN
ijosar-1126	403	22	expansion	expansion	NOUN
ijosar-1126	403	23	(	(	PUNCT
ijosar-1126	403	24	β	β	X
ijosar-1126	403	25	=	=	SYM
ijosar-1126	403	26	1.55	1.55	NUM
ijosar-1126	403	27	,	,	PUNCT
ijosar-1126	403	28	p<0.001	p<0.001	PROPN
ijosar-1126	403	29	)	)	PUNCT
ijosar-1126	403	30	,	,	PUNCT
ijosar-1126	403	31	but	but	CCONJ
ijosar-1126	403	32	not	not	PART
ijosar-1126	403	33	employment	employment	NOUN
ijosar-1126	403	34	growth	growth	NOUN
ijosar-1126	403	35	(	(	PUNCT
ijosar-1126	403	36	β	β	X
ijosar-1126	403	37	=	=	SYM
ijosar-1126	403	38	0.251	0.251	NUM
ijosar-1126	403	39	,	,	PUNCT
ijosar-1126	403	40	p=0.127	p=0.127	NOUN
ijosar-1126	403	41	)	)	PUNCT
ijosar-1126	403	42	offers	offer	VERB
ijosar-1126	403	43	important	important	ADJ
ijosar-1126	403	44	theoretical	theoretical	ADJ
ijosar-1126	403	45	and	and	CCONJ
ijosar-1126	403	46	policy	policy	NOUN
ijosar-1126	403	47	insights	insight	NOUN
ijosar-1126	403	48	into	into	ADP
ijosar-1126	403	49	the	the	DET
ijosar-1126	403	50	broader	broad	ADJ
ijosar-1126	403	51	discussion	discussion	NOUN
ijosar-1126	403	52	on	on	ADP
ijosar-1126	403	53	the	the	DET
ijosar-1126	403	54	impact	impact	NOUN
ijosar-1126	403	55	of	of	ADP
ijosar-1126	403	56	financial	financial	ADJ
ijosar-1126	403	57	technology	technology	NOUN
ijosar-1126	403	58	on	on	ADP
ijosar-1126	403	59	sme	sme	NOUN
ijosar-1126	403	60	growth	growth	NOUN
ijosar-1126	403	61	.	.	PUNCT
ijosar-1126	404	1	from	from	ADP
ijosar-1126	404	2	a	a	DET
ijosar-1126	404	3	theoretical	theoretical	ADJ
ijosar-1126	404	4	perspective	perspective	NOUN
ijosar-1126	404	5	,	,	PUNCT
ijosar-1126	404	6	this	this	DET
ijosar-1126	404	7	result	result	NOUN
ijosar-1126	404	8	aligns	align	VERB
ijosar-1126	404	9	with	with	ADP
ijosar-1126	404	10	the	the	DET
ijosar-1126	404	11	schumpeterian	schumpeterian	ADJ
ijosar-1126	404	12	theory	theory	NOUN
ijosar-1126	404	13	of	of	ADP
ijosar-1126	404	14	innovation	innovation	NOUN
ijosar-1126	404	15	,	,	PUNCT
ijosar-1126	404	16	which	which	PRON
ijosar-1126	404	17	posits	posit	VERB
ijosar-1126	404	18	that	that	SCONJ
ijosar-1126	404	19	financial	financial	ADJ
ijosar-1126	404	20	innovations	innovation	NOUN
ijosar-1126	404	21	can	can	AUX
ijosar-1126	404	22	disrupt	disrupt	VERB
ijosar-1126	404	23	traditional	traditional	ADJ
ijosar-1126	404	24	credit	credit	NOUN
ijosar-1126	404	25	systems	system	NOUN
ijosar-1126	404	26	,	,	PUNCT
ijosar-1126	404	27	thereby	thereby	ADV
ijosar-1126	404	28	democratizing	democratize	VERB
ijosar-1126	404	29	access	access	NOUN
ijosar-1126	404	30	to	to	ADP
ijosar-1126	404	31	capital	capital	NOUN
ijosar-1126	404	32	for	for	ADP
ijosar-1126	404	33	smaller	small	ADJ
ijosar-1126	404	34	,	,	PUNCT
ijosar-1126	404	35	risk	risk	NOUN
ijosar-1126	404	36	-	-	PUNCT
ijosar-1126	404	37	prone	prone	ADJ
ijosar-1126	404	38	enterprises	enterprise	NOUN
ijosar-1126	404	39	.	.	PUNCT
ijosar-1126	405	1	it	it	PRON
ijosar-1126	405	2	also	also	ADV
ijosar-1126	405	3	echoes	echo	VERB
ijosar-1126	405	4	the	the	DET
ijosar-1126	405	5	resource	resource	NOUN
ijosar-1126	405	6	-	-	PUNCT
ijosar-1126	405	7	based	base	VERB
ijosar-1126	405	8	view	view	NOUN
ijosar-1126	405	9	(	(	PUNCT
ijosar-1126	405	10	rbv	rbv	NOUN
ijosar-1126	405	11	)	)	PUNCT
ijosar-1126	405	12	of	of	ADP
ijosar-1126	405	13	the	the	DET
ijosar-1126	405	14	firm	firm	NOUN
ijosar-1126	405	15	,	,	PUNCT
ijosar-1126	405	16	which	which	PRON
ijosar-1126	405	17	sees	see	VERB
ijosar-1126	405	18	access	access	NOUN
ijosar-1126	405	19	to	to	ADP
ijosar-1126	405	20	critical	critical	ADJ
ijosar-1126	405	21	financial	financial	ADJ
ijosar-1126	405	22	resources	resource	NOUN
ijosar-1126	405	23	as	as	ADP
ijosar-1126	405	24	a	a	DET
ijosar-1126	405	25	key	key	ADJ
ijosar-1126	405	26	enabler	enabler	NOUN
ijosar-1126	405	27	of	of	ADP
ijosar-1126	405	28	organizational	organizational	ADJ
ijosar-1126	405	29	capabilities	capability	NOUN
ijosar-1126	405	30	and	and	CCONJ
ijosar-1126	405	31	competitive	competitive	ADJ
ijosar-1126	405	32	advantage	advantage	NOUN
ijosar-1126	405	33	.	.	PUNCT
ijosar-1126	406	1	in	in	ADP
ijosar-1126	406	2	terms	term	NOUN
ijosar-1126	406	3	of	of	ADP
ijosar-1126	406	4	survival	survival	NOUN
ijosar-1126	406	5	and	and	CCONJ
ijosar-1126	406	6	longevity	longevity	NOUN
ijosar-1126	406	7	,	,	PUNCT
ijosar-1126	406	8	the	the	DET
ijosar-1126	406	9	significant	significant	ADJ
ijosar-1126	406	10	positive	positive	ADJ
ijosar-1126	406	11	effect	effect	NOUN
ijosar-1126	406	12	(	(	PUNCT
ijosar-1126	406	13	β	β	X
ijosar-1126	406	14	=	=	SYM
ijosar-1126	406	15	1.061	1.061	NUM
ijosar-1126	406	16	)	)	PUNCT
ijosar-1126	406	17	suggests	suggest	VERB
ijosar-1126	406	18	that	that	SCONJ
ijosar-1126	406	19	dcps	dcp	NOUN
ijosar-1126	406	20	provide	provide	VERB
ijosar-1126	406	21	smes	sme	NOUN
ijosar-1126	406	22	with	with	ADP
ijosar-1126	406	23	timely	timely	ADJ
ijosar-1126	406	24	,	,	PUNCT
ijosar-1126	406	25	accessible	accessible	ADJ
ijosar-1126	406	26	,	,	PUNCT
ijosar-1126	406	27	and	and	CCONJ
ijosar-1126	406	28	often	often	ADV
ijosar-1126	406	29	unsecured	unsecured	ADJ
ijosar-1126	406	30	financing	financing	NOUN
ijosar-1126	406	31	,	,	PUNCT
ijosar-1126	406	32	which	which	PRON
ijosar-1126	406	33	helps	help	VERB
ijosar-1126	406	34	them	they	PRON
ijosar-1126	406	35	manage	manage	VERB
ijosar-1126	406	36	working	working	NOUN
ijosar-1126	406	37	capital	capital	NOUN
ijosar-1126	406	38	,	,	PUNCT
ijosar-1126	406	39	respond	respond	VERB
ijosar-1126	406	40	to	to	ADP
ijosar-1126	406	41	emergencies	emergency	NOUN
ijosar-1126	406	42	,	,	PUNCT
ijosar-1126	406	43	and	and	CCONJ
ijosar-1126	406	44	avoid	avoid	VERB
ijosar-1126	406	45	premature	premature	ADJ
ijosar-1126	406	46	exit	exit	NOUN
ijosar-1126	406	47	from	from	ADP
ijosar-1126	406	48	the	the	DET
ijosar-1126	406	49	market	market	NOUN
ijosar-1126	406	50	.	.	PUNCT
ijosar-1126	407	1	this	this	PRON
ijosar-1126	407	2	is	be	AUX
ijosar-1126	407	3	particularly	particularly	ADV
ijosar-1126	407	4	important	important	ADJ
ijosar-1126	407	5	in	in	ADP
ijosar-1126	407	6	the	the	DET
ijosar-1126	407	7	rwandan	rwandan	ADJ
ijosar-1126	407	8	context	context	NOUN
ijosar-1126	407	9	,	,	PUNCT
ijosar-1126	407	10	where	where	SCONJ
ijosar-1126	407	11	many	many	ADJ
ijosar-1126	407	12	smes	sme	NOUN
ijosar-1126	407	13	face	face	VERB
ijosar-1126	407	14	stringent	stringent	ADJ
ijosar-1126	407	15	collateral	collateral	ADJ
ijosar-1126	407	16	requirements	requirement	NOUN
ijosar-1126	407	17	and	and	CCONJ
ijosar-1126	407	18	limited	limited	ADJ
ijosar-1126	407	19	access	access	NOUN
ijosar-1126	407	20	to	to	ADP
ijosar-1126	407	21	conventional	conventional	ADJ
ijosar-1126	407	22	bank	bank	NOUN
ijosar-1126	407	23	credit	credit	NOUN
ijosar-1126	407	24	.	.	PUNCT
ijosar-1126	408	1	the	the	DET
ijosar-1126	408	2	ability	ability	NOUN
ijosar-1126	408	3	to	to	PART
ijosar-1126	408	4	access	access	VERB
ijosar-1126	408	5	credit	credit	NOUN
ijosar-1126	408	6	through	through	ADP
ijosar-1126	408	7	digital	digital	ADJ
ijosar-1126	408	8	means	mean	NOUN
ijosar-1126	408	9	,	,	PUNCT
ijosar-1126	408	10	often	often	ADV
ijosar-1126	408	11	in	in	ADP
ijosar-1126	408	12	real	real	ADJ
ijosar-1126	408	13	-	-	PUNCT
ijosar-1126	408	14	time	time	NOUN
ijosar-1126	408	15	,	,	PUNCT
ijosar-1126	408	16	improves	improve	VERB
ijosar-1126	408	17	financial	financial	ADJ
ijosar-1126	408	18	resilience	resilience	NOUN
ijosar-1126	408	19	and	and	CCONJ
ijosar-1126	408	20	business	business	NOUN
ijosar-1126	408	21	continuity	continuity	NOUN
ijosar-1126	408	22	,	,	PUNCT
ijosar-1126	408	23	core	core	NOUN
ijosar-1126	408	24	components	component	NOUN
ijosar-1126	408	25	of	of	ADP
ijosar-1126	408	26	long	long	ADJ
ijosar-1126	408	27	-	-	PUNCT
ijosar-1126	408	28	term	term	NOUN
ijosar-1126	408	29	survival	survival	NOUN
ijosar-1126	408	30	.	.	PUNCT
ijosar-1126	409	1	regarding	regard	VERB
ijosar-1126	409	2	market	market	NOUN
ijosar-1126	409	3	expansion	expansion	NOUN
ijosar-1126	409	4	,	,	PUNCT
ijosar-1126	409	5	the	the	DET
ijosar-1126	409	6	even	even	ADV
ijosar-1126	409	7	stronger	strong	ADJ
ijosar-1126	409	8	coefficient	coefficient	NOUN
ijosar-1126	409	9	(	(	PUNCT
ijosar-1126	409	10	β	β	X
ijosar-1126	409	11	=	=	SYM
ijosar-1126	409	12	1.55	1.55	NUM
ijosar-1126	409	13	)	)	PUNCT
ijosar-1126	409	14	indicates	indicate	VERB
ijosar-1126	409	15	that	that	SCONJ
ijosar-1126	409	16	dcps	dcp	NOUN
ijosar-1126	409	17	not	not	PART
ijosar-1126	409	18	only	only	ADV
ijosar-1126	409	19	stabilize	stabilize	VERB
ijosar-1126	409	20	smes	sme	NOUN
ijosar-1126	409	21	but	but	CCONJ
ijosar-1126	409	22	also	also	ADV
ijosar-1126	409	23	actively	actively	ADV
ijosar-1126	409	24	empower	empower	VERB
ijosar-1126	409	25	them	they	PRON
ijosar-1126	409	26	to	to	PART
ijosar-1126	409	27	grow	grow	VERB
ijosar-1126	409	28	outward	outward	ADV
ijosar-1126	409	29	by	by	ADP
ijosar-1126	409	30	funding	fund	VERB
ijosar-1126	409	31	marketing	marketing	NOUN
ijosar-1126	409	32	efforts	effort	NOUN
ijosar-1126	409	33	,	,	PUNCT
ijosar-1126	409	34	purchasing	purchase	VERB
ijosar-1126	409	35	inventory	inventory	NOUN
ijosar-1126	409	36	,	,	PUNCT
ijosar-1126	409	37	scaling	scale	VERB
ijosar-1126	409	38	digital	digital	ADJ
ijosar-1126	409	39	operations	operation	NOUN
ijosar-1126	409	40	,	,	PUNCT
ijosar-1126	409	41	or	or	CCONJ
ijosar-1126	409	42	entering	enter	VERB
ijosar-1126	409	43	new	new	ADJ
ijosar-1126	409	44	geographical	geographical	ADJ
ijosar-1126	409	45	markets	market	NOUN
ijosar-1126	409	46	.	.	PUNCT
ijosar-1126	410	1	the	the	DET
ijosar-1126	410	2	implication	implication	NOUN
ijosar-1126	410	3	is	be	AUX
ijosar-1126	410	4	that	that	SCONJ
ijosar-1126	410	5	fintech	fintech	NOUN
ijosar-1126	410	6	,	,	PUNCT
ijosar-1126	410	7	particularly	particularly	ADV
ijosar-1126	410	8	digital	digital	ADJ
ijosar-1126	410	9	lending	lending	NOUN
ijosar-1126	410	10	platforms	platform	NOUN
ijosar-1126	410	11	,	,	PUNCT
ijosar-1126	410	12	serves	serve	VERB
ijosar-1126	410	13	as	as	ADP
ijosar-1126	410	14	a	a	DET
ijosar-1126	410	15	catalyst	catalyst	NOUN
ijosar-1126	410	16	for	for	ADP
ijosar-1126	410	17	entrepreneurial	entrepreneurial	ADJ
ijosar-1126	410	18	ambition	ambition	NOUN
ijosar-1126	410	19	and	and	CCONJ
ijosar-1126	410	20	business	business	NOUN
ijosar-1126	410	21	ijo	ijo	PROPN
ijosar-1126	410	22	journals	journal	NOUN
ijosar-1126	410	23	volume	volume	NOUN
ijosar-1126	410	24	08	08	NUM
ijosar-1126	411	1	|	|	ADV
ijosar-1126	411	2	issue	issue	NOUN
ijosar-1126	411	3	08	08	NUM
ijosar-1126	412	1	|	|	ADV
ijosar-1126	412	2	august	august	PROPN
ijosar-1126	412	3	2025	2025	NUM
ijosar-1126	413	1	|	|	ADV
ijosar-1126	413	2	https://ijojournals.com/index.php/ssh/index	https://ijojournals.com/index.php/ssh/index	NOUN
ijosar-1126	413	3	105	105	NUM
ijosar-1126	413	4	ijointernational	ijointernational	ADJ
ijosar-1126	413	5	journal	journal	NOUN
ijosar-1126	413	6	of	of	ADP
ijosar-1126	413	7	social	social	ADJ
ijosar-1126	413	8	science	science	NOUN
ijosar-1126	413	9	and	and	CCONJ
ijosar-1126	413	10	humanities	humanity	NOUN
ijosar-1126	413	11	research	research	NOUN
ijosar-1126	413	12	(	(	PUNCT
ijosar-1126	413	13	issn	issn	PROPN
ijosar-1126	413	14	2811	2811	NUM
ijosar-1126	413	15	-	-	SYM
ijosar-1126	413	16	2466	2466	NUM
ijosar-1126	413	17	)	)	PUNCT
ijosar-1126	413	18	obiora	obiora	PROPN
ijosar-1126	413	19	peters	peters	PROPN
ijosar-1126	413	20	,	,	PUNCT
ijosar-1126	413	21	emeka	emeka	VERB
ijosar-1126	413	22	phd1	phd1	PROPN
ijosar-1126	413	23	*	*	PUNCT
ijosar-1126	413	24	https://ijojournals.com/	https://ijojournals.com/	PROPN
ijosar-1126	413	25	volume	volume	NOUN
ijosar-1126	413	26	08	08	NUM
ijosar-1126	414	1	||	||	PROPN
ijosar-1126	414	2	issue	issue	NOUN
ijosar-1126	414	3	08	08	NUM
ijosar-1126	414	4	||	||	NOUN
ijosar-1126	414	5	august	august	PROPN
ijosar-1126	414	6	,	,	PUNCT
ijosar-1126	414	7	2025	2025	NUM
ijosar-1126	414	8	||	||	PUNCT
ijosar-1126	415	1	“	"	PUNCT
ijosar-1126	415	2	the	the	DET
ijosar-1126	415	3	impact	impact	NOUN
ijosar-1126	415	4	of	of	ADP
ijosar-1126	415	5	financial	financial	ADJ
ijosar-1126	415	6	technology	technology	NOUN
ijosar-1126	415	7	on	on	ADP
ijosar-1126	415	8	the	the	DET
ijosar-1126	415	9	growth	growth	NOUN
ijosar-1126	415	10	of	of	ADP
ijosar-1126	415	11	smes	sme	NOUN
ijosar-1126	415	12	in	in	ADP
ijosar-1126	415	13	rwanda	rwanda	PROPN
ijosar-1126	415	14	(	(	PUNCT
ijosar-1126	415	15	2020	2020	NUM
ijosar-1126	415	16	-	-	SYM
ijosar-1126	415	17	2024	2024	NUM
ijosar-1126	415	18	)	)	PUNCT
ijosar-1126	415	19	"	"	PUNCT
ijosar-1126	415	20	development	development	NOUN
ijosar-1126	415	21	.	.	PUNCT
ijosar-1126	416	1	this	this	DET
ijosar-1126	416	2	finding	finding	NOUN
ijosar-1126	416	3	resonates	resonate	VERB
ijosar-1126	416	4	with	with	ADP
ijosar-1126	416	5	the	the	DET
ijosar-1126	416	6	financial	financial	ADJ
ijosar-1126	416	7	intermediation	intermediation	NOUN
ijosar-1126	416	8	theory	theory	NOUN
ijosar-1126	416	9	,	,	PUNCT
ijosar-1126	416	10	which	which	PRON
ijosar-1126	416	11	highlights	highlight	VERB
ijosar-1126	416	12	the	the	DET
ijosar-1126	416	13	role	role	NOUN
ijosar-1126	416	14	of	of	ADP
ijosar-1126	416	15	credit	credit	NOUN
ijosar-1126	416	16	in	in	ADP
ijosar-1126	416	17	fostering	foster	VERB
ijosar-1126	416	18	investment	investment	NOUN
ijosar-1126	416	19	and	and	CCONJ
ijosar-1126	416	20	output	output	NOUN
ijosar-1126	416	21	growth	growth	NOUN
ijosar-1126	416	22	.	.	PUNCT
ijosar-1126	417	1	however	however	ADV
ijosar-1126	417	2	,	,	PUNCT
ijosar-1126	417	3	the	the	DET
ijosar-1126	417	4	non	non	ADJ
ijosar-1126	417	5	-	-	ADJ
ijosar-1126	417	6	significant	significant	ADJ
ijosar-1126	417	7	effect	effect	NOUN
ijosar-1126	417	8	on	on	ADP
ijosar-1126	417	9	employment	employment	NOUN
ijosar-1126	417	10	growth	growth	NOUN
ijosar-1126	417	11	(	(	PUNCT
ijosar-1126	417	12	β	β	X
ijosar-1126	417	13	=	=	SYM
ijosar-1126	417	14	0.251	0.251	NUM
ijosar-1126	417	15	,	,	PUNCT
ijosar-1126	417	16	p=0.127	p=0.127	NOUN
ijosar-1126	417	17	)	)	PUNCT
ijosar-1126	417	18	introduces	introduce	VERB
ijosar-1126	417	19	a	a	DET
ijosar-1126	417	20	critical	critical	ADJ
ijosar-1126	417	21	caveat	caveat	NOUN
ijosar-1126	417	22	.	.	PUNCT
ijosar-1126	418	1	despite	despite	SCONJ
ijosar-1126	418	2	increased	increase	VERB
ijosar-1126	418	3	credit	credit	NOUN
ijosar-1126	418	4	access	access	NOUN
ijosar-1126	418	5	and	and	CCONJ
ijosar-1126	418	6	business	business	NOUN
ijosar-1126	418	7	scaling	scaling	NOUN
ijosar-1126	418	8	,	,	PUNCT
ijosar-1126	418	9	smes	sme	NOUN
ijosar-1126	418	10	may	may	AUX
ijosar-1126	418	11	not	not	PART
ijosar-1126	418	12	be	be	AUX
ijosar-1126	418	13	translating	translate	VERB
ijosar-1126	418	14	these	these	DET
ijosar-1126	418	15	gains	gain	NOUN
ijosar-1126	418	16	into	into	ADP
ijosar-1126	418	17	job	job	NOUN
ijosar-1126	418	18	creation	creation	NOUN
ijosar-1126	418	19	.	.	PUNCT
ijosar-1126	419	1	this	this	PRON
ijosar-1126	419	2	could	could	AUX
ijosar-1126	419	3	be	be	AUX
ijosar-1126	419	4	due	due	ADJ
ijosar-1126	419	5	to	to	ADP
ijosar-1126	419	6	a	a	DET
ijosar-1126	419	7	preference	preference	NOUN
ijosar-1126	419	8	for	for	ADP
ijosar-1126	419	9	automation	automation	NOUN
ijosar-1126	419	10	,	,	PUNCT
ijosar-1126	419	11	outsourcing	outsourcing	NOUN
ijosar-1126	419	12	,	,	PUNCT
ijosar-1126	419	13	or	or	CCONJ
ijosar-1126	419	14	the	the	DET
ijosar-1126	419	15	nature	nature	NOUN
ijosar-1126	419	16	of	of	ADP
ijosar-1126	419	17	the	the	DET
ijosar-1126	419	18	digital	digital	ADJ
ijosar-1126	419	19	economy	economy	NOUN
ijosar-1126	419	20	,	,	PUNCT
ijosar-1126	419	21	where	where	SCONJ
ijosar-1126	419	22	scaling	scaling	NOUN
ijosar-1126	419	23	often	often	ADV
ijosar-1126	419	24	requires	require	VERB
ijosar-1126	419	25	minimal	minimal	ADJ
ijosar-1126	419	26	labor	labor	NOUN
ijosar-1126	419	27	input	input	NOUN
ijosar-1126	419	28	.	.	PUNCT
ijosar-1126	420	1	it	it	PRON
ijosar-1126	420	2	may	may	AUX
ijosar-1126	420	3	also	also	ADV
ijosar-1126	420	4	reflect	reflect	VERB
ijosar-1126	420	5	that	that	SCONJ
ijosar-1126	420	6	credit	credit	NOUN
ijosar-1126	420	7	is	be	AUX
ijosar-1126	420	8	being	be	AUX
ijosar-1126	420	9	used	use	VERB
ijosar-1126	420	10	to	to	PART
ijosar-1126	420	11	streamline	streamline	VERB
ijosar-1126	420	12	operations	operation	NOUN
ijosar-1126	420	13	or	or	CCONJ
ijosar-1126	420	14	pay	pay	VERB
ijosar-1126	420	15	off	off	ADP
ijosar-1126	420	16	existing	exist	VERB
ijosar-1126	420	17	obligations	obligation	NOUN
ijosar-1126	420	18	rather	rather	ADV
ijosar-1126	420	19	than	than	ADP
ijosar-1126	420	20	expand	expand	VERB
ijosar-1126	420	21	the	the	DET
ijosar-1126	420	22	workforce	workforce	NOUN
ijosar-1126	420	23	.	.	PUNCT
ijosar-1126	421	1	this	this	DET
ijosar-1126	421	2	observation	observation	NOUN
ijosar-1126	421	3	calls	call	VERB
ijosar-1126	421	4	into	into	ADP
ijosar-1126	421	5	question	question	NOUN
ijosar-1126	421	6	assumptions	assumption	NOUN
ijosar-1126	421	7	within	within	ADP
ijosar-1126	421	8	endogenous	endogenous	ADJ
ijosar-1126	421	9	growth	growth	NOUN
ijosar-1126	421	10	theory	theory	NOUN
ijosar-1126	421	11	,	,	PUNCT
ijosar-1126	421	12	which	which	PRON
ijosar-1126	421	13	often	often	ADV
ijosar-1126	421	14	links	link	VERB
ijosar-1126	421	15	capital	capital	NOUN
ijosar-1126	421	16	accumulation	accumulation	NOUN
ijosar-1126	421	17	directly	directly	ADV
ijosar-1126	421	18	to	to	ADP
ijosar-1126	421	19	employment	employment	NOUN
ijosar-1126	421	20	generation	generation	NOUN
ijosar-1126	421	21	.	.	PUNCT
ijosar-1126	422	1	for	for	ADP
ijosar-1126	422	2	policymakers	policymaker	NOUN
ijosar-1126	422	3	and	and	CCONJ
ijosar-1126	422	4	development	development	NOUN
ijosar-1126	422	5	agencies	agency	NOUN
ijosar-1126	422	6	,	,	PUNCT
ijosar-1126	422	7	this	this	PRON
ijosar-1126	422	8	highlights	highlight	VERB
ijosar-1126	422	9	the	the	DET
ijosar-1126	422	10	need	need	NOUN
ijosar-1126	422	11	to	to	PART
ijosar-1126	422	12	complement	complement	VERB
ijosar-1126	422	13	digital	digital	ADJ
ijosar-1126	422	14	finance	finance	NOUN
ijosar-1126	422	15	with	with	ADP
ijosar-1126	422	16	targeted	target	VERB
ijosar-1126	422	17	labor	labor	NOUN
ijosar-1126	422	18	policies	policy	NOUN
ijosar-1126	422	19	or	or	CCONJ
ijosar-1126	422	20	skills	skill	NOUN
ijosar-1126	422	21	development	development	NOUN
ijosar-1126	422	22	programs	program	NOUN
ijosar-1126	422	23	that	that	PRON
ijosar-1126	422	24	incentivize	incentivize	VERB
ijosar-1126	422	25	smes	sme	NOUN
ijosar-1126	422	26	to	to	PART
ijosar-1126	422	27	expand	expand	VERB
ijosar-1126	422	28	hiring	hiring	NOUN
ijosar-1126	422	29	.	.	PUNCT
ijosar-1126	423	1	the	the	DET
ijosar-1126	423	2	findings	finding	NOUN
ijosar-1126	423	3	affirm	affirm	NOUN
ijosar-1126	423	4	that	that	SCONJ
ijosar-1126	423	5	digital	digital	ADJ
ijosar-1126	423	6	credit	credit	NOUN
ijosar-1126	423	7	platforms	platform	NOUN
ijosar-1126	423	8	are	be	AUX
ijosar-1126	423	9	pivotal	pivotal	ADJ
ijosar-1126	423	10	tools	tool	NOUN
ijosar-1126	423	11	in	in	ADP
ijosar-1126	423	12	strengthening	strengthen	VERB
ijosar-1126	423	13	the	the	DET
ijosar-1126	423	14	financial	financial	ADJ
ijosar-1126	423	15	viability	viability	NOUN
ijosar-1126	423	16	and	and	CCONJ
ijosar-1126	423	17	market	market	NOUN
ijosar-1126	423	18	reach	reach	NOUN
ijosar-1126	423	19	of	of	ADP
ijosar-1126	423	20	smes	sme	NOUN
ijosar-1126	423	21	in	in	ADP
ijosar-1126	423	22	rwanda	rwanda	PROPN
ijosar-1126	423	23	.	.	PUNCT
ijosar-1126	424	1	however	however	ADV
ijosar-1126	424	2	,	,	PUNCT
ijosar-1126	424	3	their	their	PRON
ijosar-1126	424	4	influence	influence	NOUN
ijosar-1126	424	5	on	on	ADP
ijosar-1126	424	6	employment	employment	NOUN
ijosar-1126	424	7	generation	generation	NOUN
ijosar-1126	424	8	remains	remain	VERB
ijosar-1126	424	9	limited	limited	ADJ
ijosar-1126	424	10	,	,	PUNCT
ijosar-1126	424	11	suggesting	suggest	VERB
ijosar-1126	424	12	a	a	DET
ijosar-1126	424	13	partial	partial	ADJ
ijosar-1126	424	14	but	but	CCONJ
ijosar-1126	424	15	important	important	ADJ
ijosar-1126	424	16	role	role	NOUN
ijosar-1126	424	17	of	of	ADP
ijosar-1126	424	18	fintech	fintech	NOUN
ijosar-1126	424	19	in	in	ADP
ijosar-1126	424	20	driving	drive	VERB
ijosar-1126	424	21	inclusive	inclusive	ADJ
ijosar-1126	424	22	sme	sme	NOUN
ijosar-1126	424	23	growth	growth	NOUN
ijosar-1126	424	24	.	.	PUNCT
ijosar-1126	425	1	future	future	ADJ
ijosar-1126	425	2	interventions	intervention	NOUN
ijosar-1126	425	3	should	should	AUX
ijosar-1126	425	4	thus	thus	ADV
ijosar-1126	425	5	promote	promote	VERB
ijosar-1126	425	6	not	not	PART
ijosar-1126	425	7	only	only	ADV
ijosar-1126	425	8	access	access	NOUN
ijosar-1126	425	9	to	to	ADP
ijosar-1126	425	10	digital	digital	ADJ
ijosar-1126	425	11	finance	finance	NOUN
ijosar-1126	425	12	but	but	CCONJ
ijosar-1126	425	13	also	also	ADV
ijosar-1126	425	14	address	address	VERB
ijosar-1126	425	15	structural	structural	ADJ
ijosar-1126	425	16	barriers	barrier	NOUN
ijosar-1126	425	17	to	to	ADP
ijosar-1126	425	18	employment	employment	NOUN
ijosar-1126	425	19	growth	growth	NOUN
ijosar-1126	425	20	within	within	ADP
ijosar-1126	425	21	the	the	DET
ijosar-1126	425	22	sme	sme	NOUN
ijosar-1126	425	23	sector	sector	NOUN
ijosar-1126	425	24	.	.	PUNCT
ijosar-1126	426	1	this	this	PRON
ijosar-1126	426	2	corroborates	corroborate	VERB
ijosar-1126	426	3	sanga	sanga	PROPN
ijosar-1126	426	4	&	&	CCONJ
ijosar-1126	426	5	aziakpono	aziakpono	PROPN
ijosar-1126	426	6	(	(	PUNCT
ijosar-1126	426	7	2025	2025	NUM
ijosar-1126	426	8	)	)	PUNCT
ijosar-1126	426	9	,	,	PUNCT
ijosar-1126	426	10	who	who	PRON
ijosar-1126	426	11	found	find	VERB
ijosar-1126	426	12	digital	digital	ADJ
ijosar-1126	426	13	finance	finance	NOUN
ijosar-1126	426	14	disproportionately	disproportionately	ADV
ijosar-1126	426	15	benefits	benefit	VERB
ijosar-1126	426	16	nascent	nascent	ADJ
ijosar-1126	426	17	smes	sme	NOUN
ijosar-1126	426	18	in	in	ADP
ijosar-1126	426	19	africa	africa	PROPN
ijosar-1126	426	20	.	.	PUNCT
ijosar-1126	427	1	in	in	ADP
ijosar-1126	427	2	rwanda	rwanda	PROPN
ijosar-1126	427	3	,	,	PUNCT
ijosar-1126	427	4	platforms	platform	NOUN
ijosar-1126	427	5	like	like	ADP
ijosar-1126	427	6	ekash	ekash	NOUN
ijosar-1126	427	7	leverage	leverage	NOUN
ijosar-1126	427	8	transaction	transaction	NOUN
ijosar-1126	427	9	histories	history	NOUN
ijosar-1126	427	10	for	for	ADP
ijosar-1126	427	11	credit	credit	NOUN
ijosar-1126	427	12	scoring	scoring	NOUN
ijosar-1126	427	13	,	,	PUNCT
ijosar-1126	427	14	enabling	enable	VERB
ijosar-1126	427	15	collateral	collateral	NOUN
ijosar-1126	427	16	-	-	PUNCT
ijosar-1126	427	17	free	free	ADJ
ijosar-1126	427	18	loans	loan	NOUN
ijosar-1126	427	19	,	,	PUNCT
ijosar-1126	427	20	addressing	address	VERB
ijosar-1126	427	21	a	a	DET
ijosar-1126	427	22	key	key	ADJ
ijosar-1126	427	23	gap	gap	NOUN
ijosar-1126	427	24	where	where	SCONJ
ijosar-1126	427	25	only	only	ADV
ijosar-1126	427	26	10	10	NUM
ijosar-1126	427	27	%	%	NOUN
ijosar-1126	427	28	of	of	ADP
ijosar-1126	427	29	smes	smes	PROPN
ijosar-1126	427	30	access	access	PROPN
ijosar-1126	427	31	bank	bank	NOUN
ijosar-1126	427	32	credit	credit	NOUN
ijosar-1126	427	33	.	.	PUNCT
ijosar-1126	428	1	4.7.4	4.7.4	NUM
ijosar-1126	428	2	digital	digital	ADJ
ijosar-1126	428	3	wallets	wallet	NOUN
ijosar-1126	428	4	and	and	CCONJ
ijosar-1126	428	5	sme	sme	NOUN
ijosar-1126	428	6	growth	growth	NOUN
ijosar-1126	428	7	the	the	DET
ijosar-1126	428	8	study	study	NOUN
ijosar-1126	428	9	's	's	PART
ijosar-1126	428	10	finding	finding	NOUN
ijosar-1126	428	11	on	on	ADP
ijosar-1126	428	12	digital	digital	ADJ
ijosar-1126	428	13	wallets	wallet	NOUN
ijosar-1126	428	14	(	(	PUNCT
ijosar-1126	428	15	dw	dw	NOUN
ijosar-1126	428	16	)	)	PUNCT
ijosar-1126	428	17	presents	present	VERB
ijosar-1126	428	18	a	a	DET
ijosar-1126	428	19	paradoxical	paradoxical	ADJ
ijosar-1126	428	20	yet	yet	CCONJ
ijosar-1126	428	21	insightful	insightful	ADJ
ijosar-1126	428	22	understanding	understanding	NOUN
ijosar-1126	428	23	of	of	ADP
ijosar-1126	428	24	the	the	DET
ijosar-1126	428	25	impact	impact	NOUN
ijosar-1126	428	26	of	of	ADP
ijosar-1126	428	27	financial	financial	ADJ
ijosar-1126	428	28	technology	technology	NOUN
ijosar-1126	428	29	on	on	ADP
ijosar-1126	428	30	sme	sme	ADJ
ijosar-1126	428	31	growth	growth	NOUN
ijosar-1126	428	32	in	in	ADP
ijosar-1126	428	33	rwanda	rwanda	PROPN
ijosar-1126	428	34	.	.	PUNCT
ijosar-1126	429	1	specifically	specifically	ADV
ijosar-1126	429	2	,	,	PUNCT
ijosar-1126	429	3	digital	digital	ADJ
ijosar-1126	429	4	wallets	wallet	NOUN
ijosar-1126	429	5	were	be	AUX
ijosar-1126	429	6	found	find	VERB
ijosar-1126	429	7	to	to	PART
ijosar-1126	429	8	significantly	significantly	ADV
ijosar-1126	429	9	enhance	enhance	VERB
ijosar-1126	429	10	market	market	NOUN
ijosar-1126	429	11	expansion	expansion	NOUN
ijosar-1126	429	12	(	(	PUNCT
ijosar-1126	429	13	β	β	X
ijosar-1126	429	14	=	=	SYM
ijosar-1126	429	15	0.61	0.61	NUM
ijosar-1126	429	16	,	,	PUNCT
ijosar-1126	429	17	p<0.01	p<0.01	PROPN
ijosar-1126	429	18	)	)	PUNCT
ijosar-1126	429	19	and	and	CCONJ
ijosar-1126	429	20	employment	employment	NOUN
ijosar-1126	429	21	growth	growth	NOUN
ijosar-1126	429	22	(	(	PUNCT
ijosar-1126	429	23	β	β	X
ijosar-1126	429	24	=	=	SYM
ijosar-1126	429	25	0.588	0.588	NUM
ijosar-1126	429	26	,	,	PUNCT
ijosar-1126	429	27	p<0.05	p<0.05	NOUN
ijosar-1126	429	28	)	)	PUNCT
ijosar-1126	429	29	,	,	PUNCT
ijosar-1126	429	30	but	but	CCONJ
ijosar-1126	429	31	negatively	negatively	ADV
ijosar-1126	429	32	affect	affect	VERB
ijosar-1126	429	33	survival	survival	NOUN
ijosar-1126	429	34	/	/	SYM
ijosar-1126	429	35	longevity	longevity	NOUN
ijosar-1126	429	36	(	(	PUNCT
ijosar-1126	429	37	β	β	X
ijosar-1126	429	38	=	=	SYM
ijosar-1126	429	39	-1.4	-1.4	PROPN
ijosar-1126	429	40	,	,	PUNCT
ijosar-1126	429	41	p<0.001	p<0.001	PROPN
ijosar-1126	429	42	)	)	PUNCT
ijosar-1126	429	43	.	.	PUNCT
ijosar-1126	430	1	this	this	DET
ijosar-1126	430	2	result	result	NOUN
ijosar-1126	430	3	implies	imply	VERB
ijosar-1126	430	4	that	that	SCONJ
ijosar-1126	430	5	while	while	SCONJ
ijosar-1126	430	6	digital	digital	ADJ
ijosar-1126	430	7	wallets	wallet	NOUN
ijosar-1126	430	8	are	be	AUX
ijosar-1126	430	9	instrumental	instrumental	ADJ
ijosar-1126	430	10	in	in	ADP
ijosar-1126	430	11	enabling	enable	VERB
ijosar-1126	430	12	smes	sme	NOUN
ijosar-1126	430	13	to	to	PART
ijosar-1126	430	14	scale	scale	VERB
ijosar-1126	430	15	operations	operation	NOUN
ijosar-1126	430	16	and	and	CCONJ
ijosar-1126	430	17	hire	hire	VERB
ijosar-1126	430	18	more	more	ADJ
ijosar-1126	430	19	staff	staff	NOUN
ijosar-1126	430	20	,	,	PUNCT
ijosar-1126	430	21	their	their	PRON
ijosar-1126	430	22	use	use	NOUN
ijosar-1126	430	23	may	may	AUX
ijosar-1126	430	24	simultaneously	simultaneously	ADV
ijosar-1126	430	25	expose	expose	VERB
ijosar-1126	430	26	firms	firm	NOUN
ijosar-1126	430	27	to	to	ADP
ijosar-1126	430	28	risks	risk	NOUN
ijosar-1126	430	29	that	that	PRON
ijosar-1126	430	30	undermine	undermine	VERB
ijosar-1126	430	31	long	long	ADJ
ijosar-1126	430	32	-	-	PUNCT
ijosar-1126	430	33	term	term	NOUN
ijosar-1126	430	34	sustainability	sustainability	NOUN
ijosar-1126	430	35	.	.	PUNCT
ijosar-1126	431	1	ijo	ijo	PROPN
ijosar-1126	431	2	journals	journal	NOUN
ijosar-1126	431	3	volume	volume	NOUN
ijosar-1126	431	4	08	08	NUM
ijosar-1126	432	1	|	|	ADV
ijosar-1126	432	2	issue	issue	NOUN
ijosar-1126	432	3	08	08	NUM
ijosar-1126	433	1	|	|	ADV
ijosar-1126	433	2	august	august	PROPN
ijosar-1126	433	3	2025	2025	NUM
ijosar-1126	433	4	|	|	ADV
ijosar-1126	433	5	https://ijojournals.com/index.php/ssh/index	https://ijojournals.com/index.php/ssh/index	NOUN
ijosar-1126	433	6	106	106	NUM
ijosar-1126	433	7	ijointernational	ijointernational	ADJ
ijosar-1126	433	8	journal	journal	NOUN
ijosar-1126	433	9	of	of	ADP
ijosar-1126	433	10	social	social	ADJ
ijosar-1126	433	11	science	science	NOUN
ijosar-1126	433	12	and	and	CCONJ
ijosar-1126	433	13	humanities	humanity	NOUN
ijosar-1126	433	14	research	research	NOUN
ijosar-1126	433	15	(	(	PUNCT
ijosar-1126	433	16	issn	issn	PROPN
ijosar-1126	433	17	2811	2811	NUM
ijosar-1126	433	18	-	-	SYM
ijosar-1126	433	19	2466	2466	NUM
ijosar-1126	433	20	)	)	PUNCT
ijosar-1126	433	21	obiora	obiora	PROPN
ijosar-1126	433	22	peters	peters	PROPN
ijosar-1126	433	23	,	,	PUNCT
ijosar-1126	433	24	emeka	emeka	VERB
ijosar-1126	433	25	phd1	phd1	PROPN
ijosar-1126	433	26	*	*	PUNCT
ijosar-1126	433	27	https://ijojournals.com/	https://ijojournals.com/	PROPN
ijosar-1126	433	28	volume	volume	NOUN
ijosar-1126	433	29	08	08	NUM
ijosar-1126	434	1	||	||	PROPN
ijosar-1126	434	2	issue	issue	NOUN
ijosar-1126	434	3	08	08	NUM
ijosar-1126	434	4	||	||	NOUN
ijosar-1126	434	5	august	august	PROPN
ijosar-1126	434	6	,	,	PUNCT
ijosar-1126	434	7	2025	2025	NUM
ijosar-1126	434	8	||	||	PUNCT
ijosar-1126	435	1	“	"	PUNCT
ijosar-1126	435	2	the	the	DET
ijosar-1126	435	3	impact	impact	NOUN
ijosar-1126	435	4	of	of	ADP
ijosar-1126	435	5	financial	financial	ADJ
ijosar-1126	435	6	technology	technology	NOUN
ijosar-1126	435	7	on	on	ADP
ijosar-1126	435	8	the	the	DET
ijosar-1126	435	9	growth	growth	NOUN
ijosar-1126	435	10	of	of	ADP
ijosar-1126	435	11	smes	sme	NOUN
ijosar-1126	435	12	in	in	ADP
ijosar-1126	435	13	rwanda	rwanda	PROPN
ijosar-1126	435	14	(	(	PUNCT
ijosar-1126	435	15	2020	2020	NUM
ijosar-1126	435	16	-	-	SYM
ijosar-1126	435	17	2024	2024	NUM
ijosar-1126	435	18	)	)	PUNCT
ijosar-1126	435	19	"	"	PUNCT
ijosar-1126	435	20	from	from	ADP
ijosar-1126	435	21	a	a	DET
ijosar-1126	435	22	technology	technology	NOUN
ijosar-1126	435	23	acceptance	acceptance	NOUN
ijosar-1126	435	24	model	model	NOUN
ijosar-1126	435	25	(	(	PUNCT
ijosar-1126	435	26	tam	tam	NOUN
ijosar-1126	435	27	)	)	PUNCT
ijosar-1126	435	28	and	and	CCONJ
ijosar-1126	435	29	diffusion	diffusion	NOUN
ijosar-1126	435	30	of	of	ADP
ijosar-1126	435	31	innovation	innovation	NOUN
ijosar-1126	435	32	theory	theory	NOUN
ijosar-1126	435	33	perspective	perspective	NOUN
ijosar-1126	435	34	,	,	PUNCT
ijosar-1126	435	35	digital	digital	ADJ
ijosar-1126	435	36	wallets	wallet	NOUN
ijosar-1126	435	37	facilitate	facilitate	VERB
ijosar-1126	435	38	ease	ease	NOUN
ijosar-1126	435	39	of	of	ADP
ijosar-1126	435	40	transaction	transaction	NOUN
ijosar-1126	435	41	,	,	PUNCT
ijosar-1126	435	42	quick	quick	ADJ
ijosar-1126	435	43	access	access	NOUN
ijosar-1126	435	44	to	to	ADP
ijosar-1126	435	45	customer	customer	NOUN
ijosar-1126	435	46	payments	payment	NOUN
ijosar-1126	435	47	,	,	PUNCT
ijosar-1126	435	48	and	and	CCONJ
ijosar-1126	435	49	entry	entry	NOUN
ijosar-1126	435	50	into	into	ADP
ijosar-1126	435	51	digital	digital	ADJ
ijosar-1126	435	52	marketplaces	marketplace	NOUN
ijosar-1126	435	53	factors	factor	NOUN
ijosar-1126	435	54	that	that	PRON
ijosar-1126	435	55	encourage	encourage	VERB
ijosar-1126	435	56	smes	sme	NOUN
ijosar-1126	435	57	to	to	PART
ijosar-1126	435	58	expand	expand	VERB
ijosar-1126	435	59	rapidly	rapidly	ADV
ijosar-1126	435	60	and	and	CCONJ
ijosar-1126	435	61	increase	increase	VERB
ijosar-1126	435	62	workforce	workforce	NOUN
ijosar-1126	435	63	to	to	PART
ijosar-1126	435	64	meet	meet	VERB
ijosar-1126	435	65	growing	grow	VERB
ijosar-1126	435	66	demand	demand	NOUN
ijosar-1126	435	67	.	.	PUNCT
ijosar-1126	436	1	in	in	ADP
ijosar-1126	436	2	terms	term	NOUN
ijosar-1126	436	3	of	of	ADP
ijosar-1126	436	4	market	market	NOUN
ijosar-1126	436	5	expansion	expansion	NOUN
ijosar-1126	436	6	,	,	PUNCT
ijosar-1126	436	7	the	the	DET
ijosar-1126	436	8	positive	positive	ADJ
ijosar-1126	436	9	coefficient	coefficient	NOUN
ijosar-1126	436	10	(	(	PUNCT
ijosar-1126	436	11	β	β	X
ijosar-1126	436	12	=	=	SYM
ijosar-1126	436	13	0.61	0.61	NUM
ijosar-1126	436	14	)	)	PUNCT
ijosar-1126	436	15	reflects	reflect	VERB
ijosar-1126	436	16	that	that	SCONJ
ijosar-1126	436	17	dws	dws	PROPN
ijosar-1126	436	18	enable	enable	VERB
ijosar-1126	436	19	smes	sme	NOUN
ijosar-1126	436	20	to	to	PART
ijosar-1126	436	21	reach	reach	VERB
ijosar-1126	436	22	a	a	DET
ijosar-1126	436	23	broader	broad	ADJ
ijosar-1126	436	24	customer	customer	NOUN
ijosar-1126	436	25	base	base	NOUN
ijosar-1126	436	26	through	through	ADP
ijosar-1126	436	27	seamless	seamless	ADJ
ijosar-1126	436	28	digital	digital	ADJ
ijosar-1126	436	29	transactions	transaction	NOUN
ijosar-1126	436	30	.	.	PUNCT
ijosar-1126	437	1	the	the	DET
ijosar-1126	437	2	ability	ability	NOUN
ijosar-1126	437	3	to	to	PART
ijosar-1126	437	4	accept	accept	VERB
ijosar-1126	437	5	mobile	mobile	ADJ
ijosar-1126	437	6	payments	payment	NOUN
ijosar-1126	437	7	lowers	lower	VERB
ijosar-1126	437	8	the	the	DET
ijosar-1126	437	9	barriers	barrier	NOUN
ijosar-1126	437	10	to	to	ADP
ijosar-1126	437	11	customer	customer	NOUN
ijosar-1126	437	12	acquisition	acquisition	NOUN
ijosar-1126	437	13	and	and	CCONJ
ijosar-1126	437	14	allows	allow	VERB
ijosar-1126	437	15	businesses	business	NOUN
ijosar-1126	437	16	to	to	PART
ijosar-1126	437	17	penetrate	penetrate	VERB
ijosar-1126	437	18	new	new	ADJ
ijosar-1126	437	19	market	market	NOUN
ijosar-1126	437	20	segments	segment	NOUN
ijosar-1126	437	21	,	,	PUNCT
ijosar-1126	437	22	including	include	VERB
ijosar-1126	437	23	the	the	DET
ijosar-1126	437	24	unbanked	unbanked	ADJ
ijosar-1126	437	25	population	population	NOUN
ijosar-1126	437	26	.	.	PUNCT
ijosar-1126	438	1	this	this	PRON
ijosar-1126	438	2	supports	support	VERB
ijosar-1126	438	3	the	the	DET
ijosar-1126	438	4	financial	financial	ADJ
ijosar-1126	438	5	inclusion	inclusion	NOUN
ijosar-1126	438	6	theory	theory	NOUN
ijosar-1126	438	7	,	,	PUNCT
ijosar-1126	438	8	which	which	PRON
ijosar-1126	438	9	argues	argue	VERB
ijosar-1126	438	10	that	that	SCONJ
ijosar-1126	438	11	digital	digital	ADJ
ijosar-1126	438	12	financial	financial	ADJ
ijosar-1126	438	13	services	service	NOUN
ijosar-1126	438	14	reduce	reduce	VERB
ijosar-1126	438	15	transaction	transaction	NOUN
ijosar-1126	438	16	costs	cost	NOUN
ijosar-1126	438	17	and	and	CCONJ
ijosar-1126	438	18	increase	increase	VERB
ijosar-1126	438	19	access	access	NOUN
ijosar-1126	438	20	to	to	ADP
ijosar-1126	438	21	economic	economic	ADJ
ijosar-1126	438	22	opportunities	opportunity	NOUN
ijosar-1126	438	23	,	,	PUNCT
ijosar-1126	438	24	especially	especially	ADV
ijosar-1126	438	25	in	in	ADP
ijosar-1126	438	26	developing	develop	VERB
ijosar-1126	438	27	economies	economy	NOUN
ijosar-1126	438	28	like	like	ADP
ijosar-1126	438	29	rwanda	rwanda	PROPN
ijosar-1126	438	30	.	.	PUNCT
ijosar-1126	439	1	the	the	DET
ijosar-1126	439	2	positive	positive	ADJ
ijosar-1126	439	3	relationship	relationship	NOUN
ijosar-1126	439	4	between	between	ADP
ijosar-1126	439	5	digital	digital	ADJ
ijosar-1126	439	6	wallet	wallet	NOUN
ijosar-1126	439	7	use	use	NOUN
ijosar-1126	439	8	and	and	CCONJ
ijosar-1126	439	9	employment	employment	NOUN
ijosar-1126	439	10	growth	growth	NOUN
ijosar-1126	439	11	(	(	PUNCT
ijosar-1126	439	12	β	β	X
ijosar-1126	439	13	=	=	SYM
ijosar-1126	439	14	0.588	0.588	NUM
ijosar-1126	439	15	)	)	PUNCT
ijosar-1126	439	16	further	far	ADV
ijosar-1126	439	17	supports	support	VERB
ijosar-1126	439	18	the	the	DET
ijosar-1126	439	19	argument	argument	NOUN
ijosar-1126	439	20	that	that	SCONJ
ijosar-1126	439	21	fintech	fintech	NOUN
ijosar-1126	439	22	tools	tool	NOUN
ijosar-1126	439	23	create	create	VERB
ijosar-1126	439	24	new	new	ADJ
ijosar-1126	439	25	avenues	avenue	NOUN
ijosar-1126	439	26	for	for	ADP
ijosar-1126	439	27	economic	economic	ADJ
ijosar-1126	439	28	activity	activity	NOUN
ijosar-1126	439	29	.	.	PUNCT
ijosar-1126	440	1	smes	sme	NOUN
ijosar-1126	440	2	adopting	adopt	VERB
ijosar-1126	440	3	digital	digital	ADJ
ijosar-1126	440	4	wallets	wallet	NOUN
ijosar-1126	440	5	often	often	ADV
ijosar-1126	440	6	experience	experience	VERB
ijosar-1126	440	7	increased	increase	VERB
ijosar-1126	440	8	sales	sale	NOUN
ijosar-1126	440	9	volume	volume	NOUN
ijosar-1126	440	10	and	and	CCONJ
ijosar-1126	440	11	customer	customer	NOUN
ijosar-1126	440	12	turnover	turnover	NOUN
ijosar-1126	440	13	,	,	PUNCT
ijosar-1126	440	14	which	which	PRON
ijosar-1126	440	15	may	may	AUX
ijosar-1126	440	16	necessitate	necessitate	VERB
ijosar-1126	440	17	the	the	DET
ijosar-1126	440	18	hiring	hiring	NOUN
ijosar-1126	440	19	of	of	ADP
ijosar-1126	440	20	additional	additional	ADJ
ijosar-1126	440	21	staff	staff	NOUN
ijosar-1126	440	22	to	to	PART
ijosar-1126	440	23	manage	manage	VERB
ijosar-1126	440	24	inventory	inventory	NOUN
ijosar-1126	440	25	,	,	PUNCT
ijosar-1126	440	26	customer	customer	NOUN
ijosar-1126	440	27	service	service	NOUN
ijosar-1126	440	28	,	,	PUNCT
ijosar-1126	440	29	and	and	CCONJ
ijosar-1126	440	30	logistics	logistic	NOUN
ijosar-1126	440	31	.	.	PUNCT
ijosar-1126	441	1	this	this	PRON
ijosar-1126	441	2	aligns	align	VERB
ijosar-1126	441	3	with	with	ADP
ijosar-1126	441	4	endogenous	endogenous	ADJ
ijosar-1126	441	5	growth	growth	NOUN
ijosar-1126	441	6	theory	theory	NOUN
ijosar-1126	441	7	,	,	PUNCT
ijosar-1126	441	8	which	which	PRON
ijosar-1126	441	9	links	link	VERB
ijosar-1126	441	10	innovation	innovation	NOUN
ijosar-1126	441	11	and	and	CCONJ
ijosar-1126	441	12	technology	technology	NOUN
ijosar-1126	441	13	adoption	adoption	NOUN
ijosar-1126	441	14	to	to	ADP
ijosar-1126	441	15	productive	productive	ADJ
ijosar-1126	441	16	expansion	expansion	NOUN
ijosar-1126	441	17	and	and	CCONJ
ijosar-1126	441	18	job	job	NOUN
ijosar-1126	441	19	creation	creation	NOUN
ijosar-1126	441	20	within	within	ADP
ijosar-1126	441	21	firms	firm	NOUN
ijosar-1126	441	22	.	.	PUNCT
ijosar-1126	442	1	however	however	ADV
ijosar-1126	442	2	,	,	PUNCT
ijosar-1126	442	3	the	the	DET
ijosar-1126	442	4	strong	strong	ADJ
ijosar-1126	442	5	negative	negative	ADJ
ijosar-1126	442	6	impact	impact	NOUN
ijosar-1126	442	7	on	on	ADP
ijosar-1126	442	8	survival	survival	NOUN
ijosar-1126	442	9	/	/	SYM
ijosar-1126	442	10	longevity	longevity	NOUN
ijosar-1126	442	11	(	(	PUNCT
ijosar-1126	442	12	β	β	X
ijosar-1126	442	13	=	=	SYM
ijosar-1126	442	14	-1.4	-1.4	PROPN
ijosar-1126	442	15	,	,	PUNCT
ijosar-1126	442	16	p<0.001	p<0.001	PUNCT
ijosar-1126	442	17	)	)	PUNCT
ijosar-1126	442	18	reveals	reveal	VERB
ijosar-1126	442	19	a	a	DET
ijosar-1126	442	20	critical	critical	ADJ
ijosar-1126	442	21	downside	downside	NOUN
ijosar-1126	442	22	.	.	PUNCT
ijosar-1126	443	1	while	while	SCONJ
ijosar-1126	443	2	dws	dws	PROPN
ijosar-1126	443	3	may	may	AUX
ijosar-1126	443	4	promote	promote	VERB
ijosar-1126	443	5	short	short	ADJ
ijosar-1126	443	6	-	-	PUNCT
ijosar-1126	443	7	term	term	NOUN
ijosar-1126	443	8	expansion	expansion	NOUN
ijosar-1126	443	9	and	and	CCONJ
ijosar-1126	443	10	hiring	hiring	NOUN
ijosar-1126	443	11	,	,	PUNCT
ijosar-1126	443	12	they	they	PRON
ijosar-1126	443	13	could	could	AUX
ijosar-1126	443	14	inadvertently	inadvertently	ADV
ijosar-1126	443	15	expose	expose	VERB
ijosar-1126	443	16	smes	sme	NOUN
ijosar-1126	443	17	to	to	ADP
ijosar-1126	443	18	cash	cash	NOUN
ijosar-1126	443	19	flow	flow	NOUN
ijosar-1126	443	20	mismanagement	mismanagement	NOUN
ijosar-1126	443	21	,	,	PUNCT
ijosar-1126	443	22	increased	increase	VERB
ijosar-1126	443	23	operating	operating	NOUN
ijosar-1126	443	24	costs	cost	NOUN
ijosar-1126	443	25	,	,	PUNCT
ijosar-1126	443	26	or	or	CCONJ
ijosar-1126	443	27	cybersecurity	cybersecurity	NOUN
ijosar-1126	443	28	risks	risk	NOUN
ijosar-1126	443	29	.	.	PUNCT
ijosar-1126	444	1	many	many	ADJ
ijosar-1126	444	2	smes	sme	NOUN
ijosar-1126	444	3	may	may	AUX
ijosar-1126	444	4	not	not	PART
ijosar-1126	444	5	have	have	VERB
ijosar-1126	444	6	adequate	adequate	ADJ
ijosar-1126	444	7	financial	financial	ADJ
ijosar-1126	444	8	literacy	literacy	NOUN
ijosar-1126	444	9	or	or	CCONJ
ijosar-1126	444	10	digital	digital	ADJ
ijosar-1126	444	11	risk	risk	NOUN
ijosar-1126	444	12	mitigation	mitigation	NOUN
ijosar-1126	444	13	strategies	strategy	NOUN
ijosar-1126	444	14	in	in	ADP
ijosar-1126	444	15	place	place	NOUN
ijosar-1126	444	16	to	to	PART
ijosar-1126	444	17	manage	manage	VERB
ijosar-1126	444	18	rapid	rapid	ADJ
ijosar-1126	444	19	growth	growth	NOUN
ijosar-1126	444	20	or	or	CCONJ
ijosar-1126	444	21	digital	digital	ADJ
ijosar-1126	444	22	fraud	fraud	NOUN
ijosar-1126	444	23	.	.	PUNCT
ijosar-1126	445	1	the	the	DET
ijosar-1126	445	2	resource	resource	NOUN
ijosar-1126	445	3	dependency	dependency	NOUN
ijosar-1126	445	4	theory	theory	NOUN
ijosar-1126	445	5	may	may	AUX
ijosar-1126	445	6	also	also	ADV
ijosar-1126	445	7	help	help	VERB
ijosar-1126	445	8	explain	explain	VERB
ijosar-1126	445	9	this	this	DET
ijosar-1126	445	10	outcome	outcome	NOUN
ijosar-1126	445	11	:	:	PUNCT
ijosar-1126	445	12	smes	sme	NOUN
ijosar-1126	445	13	might	might	AUX
ijosar-1126	445	14	become	become	VERB
ijosar-1126	445	15	overly	overly	ADV
ijosar-1126	445	16	reliant	reliant	ADJ
ijosar-1126	445	17	on	on	ADP
ijosar-1126	445	18	digital	digital	ADJ
ijosar-1126	445	19	transactions	transaction	NOUN
ijosar-1126	445	20	,	,	PUNCT
ijosar-1126	445	21	which	which	PRON
ijosar-1126	445	22	,	,	PUNCT
ijosar-1126	445	23	when	when	SCONJ
ijosar-1126	445	24	disrupted	disrupt	VERB
ijosar-1126	445	25	(	(	PUNCT
ijosar-1126	445	26	due	due	ADP
ijosar-1126	445	27	to	to	ADP
ijosar-1126	445	28	system	system	NOUN
ijosar-1126	445	29	downtime	downtime	NOUN
ijosar-1126	445	30	or	or	CCONJ
ijosar-1126	445	31	regulatory	regulatory	ADJ
ijosar-1126	445	32	changes	change	NOUN
ijosar-1126	445	33	)	)	PUNCT
ijosar-1126	445	34	,	,	PUNCT
ijosar-1126	445	35	can	can	AUX
ijosar-1126	445	36	severely	severely	ADV
ijosar-1126	445	37	affect	affect	VERB
ijosar-1126	445	38	business	business	NOUN
ijosar-1126	445	39	continuity	continuity	NOUN
ijosar-1126	445	40	.	.	PUNCT
ijosar-1126	446	1	additionally	additionally	ADV
ijosar-1126	446	2	,	,	PUNCT
ijosar-1126	446	3	high	high	ADJ
ijosar-1126	446	4	transaction	transaction	NOUN
ijosar-1126	446	5	fees	fee	NOUN
ijosar-1126	446	6	or	or	CCONJ
ijosar-1126	446	7	delayed	delay	VERB
ijosar-1126	446	8	settlement	settlement	NOUN
ijosar-1126	446	9	periods	period	NOUN
ijosar-1126	446	10	associated	associate	VERB
ijosar-1126	446	11	with	with	ADP
ijosar-1126	446	12	some	some	DET
ijosar-1126	446	13	digital	digital	ADJ
ijosar-1126	446	14	wallet	wallet	NOUN
ijosar-1126	446	15	platforms	platform	NOUN
ijosar-1126	446	16	may	may	AUX
ijosar-1126	446	17	strain	strain	VERB
ijosar-1126	446	18	liquidity	liquidity	NOUN
ijosar-1126	446	19	,	,	PUNCT
ijosar-1126	446	20	pushing	push	VERB
ijosar-1126	446	21	vulnerable	vulnerable	ADJ
ijosar-1126	446	22	businesses	business	NOUN
ijosar-1126	446	23	toward	toward	ADP
ijosar-1126	446	24	failure	failure	NOUN
ijosar-1126	446	25	despite	despite	SCONJ
ijosar-1126	446	26	appearing	appear	VERB
ijosar-1126	446	27	to	to	PART
ijosar-1126	446	28	thrive	thrive	VERB
ijosar-1126	446	29	in	in	ADP
ijosar-1126	446	30	the	the	DET
ijosar-1126	446	31	short	short	ADJ
ijosar-1126	446	32	term	term	NOUN
ijosar-1126	446	33	.	.	PUNCT
ijosar-1126	447	1	these	these	DET
ijosar-1126	447	2	findings	finding	NOUN
ijosar-1126	447	3	on	on	ADP
ijosar-1126	447	4	digital	digital	ADJ
ijosar-1126	447	5	wallets	wallet	NOUN
ijosar-1126	447	6	highlight	highlight	VERB
ijosar-1126	447	7	a	a	DET
ijosar-1126	447	8	double	double	ADJ
ijosar-1126	447	9	-	-	PUNCT
ijosar-1126	447	10	edged	edge	VERB
ijosar-1126	447	11	sword	sword	NOUN
ijosar-1126	447	12	in	in	ADP
ijosar-1126	447	13	the	the	DET
ijosar-1126	447	14	fintech	fintech	NOUN
ijosar-1126	447	15	-	-	PUNCT
ijosar-1126	447	16	sme	sme	NOUN
ijosar-1126	447	17	relationship	relationship	NOUN
ijosar-1126	447	18	in	in	ADP
ijosar-1126	447	19	rwanda	rwanda	PROPN
ijosar-1126	447	20	.	.	PUNCT
ijosar-1126	448	1	on	on	ADP
ijosar-1126	448	2	one	one	NUM
ijosar-1126	448	3	hand	hand	NOUN
ijosar-1126	448	4	,	,	PUNCT
ijosar-1126	448	5	dws	dws	PROPN
ijosar-1126	448	6	are	be	AUX
ijosar-1126	448	7	powerful	powerful	ADJ
ijosar-1126	448	8	tools	tool	NOUN
ijosar-1126	448	9	for	for	ADP
ijosar-1126	448	10	market	market	NOUN
ijosar-1126	448	11	reach	reach	NOUN
ijosar-1126	448	12	and	and	CCONJ
ijosar-1126	448	13	employment	employment	NOUN
ijosar-1126	448	14	stimulation	stimulation	NOUN
ijosar-1126	448	15	,	,	PUNCT
ijosar-1126	448	16	underscoring	underscore	VERB
ijosar-1126	448	17	their	their	PRON
ijosar-1126	448	18	role	role	NOUN
ijosar-1126	448	19	in	in	ADP
ijosar-1126	448	20	transforming	transform	VERB
ijosar-1126	448	21	how	how	SCONJ
ijosar-1126	448	22	smes	sme	NOUN
ijosar-1126	448	23	operate	operate	VERB
ijosar-1126	448	24	ijo	ijo	PROPN
ijosar-1126	448	25	journals	journal	NOUN
ijosar-1126	448	26	volume	volume	NOUN
ijosar-1126	448	27	08	08	NUM
ijosar-1126	449	1	|	|	ADV
ijosar-1126	449	2	issue	issue	NOUN
ijosar-1126	449	3	08	08	NUM
ijosar-1126	450	1	|	|	ADV
ijosar-1126	450	2	august	august	PROPN
ijosar-1126	450	3	2025	2025	NUM
ijosar-1126	451	1	|	|	ADV
ijosar-1126	451	2	https://ijojournals.com/index.php/ssh/index	https://ijojournals.com/index.php/ssh/index	NOUN
ijosar-1126	451	3	107	107	NUM
ijosar-1126	451	4	ijointernational	ijointernational	ADJ
ijosar-1126	451	5	journal	journal	NOUN
ijosar-1126	451	6	of	of	ADP
ijosar-1126	451	7	social	social	ADJ
ijosar-1126	451	8	science	science	NOUN
ijosar-1126	451	9	and	and	CCONJ
ijosar-1126	451	10	humanities	humanity	NOUN
ijosar-1126	451	11	research	research	NOUN
ijosar-1126	451	12	(	(	PUNCT
ijosar-1126	451	13	issn	issn	PROPN
ijosar-1126	451	14	2811	2811	NUM
ijosar-1126	451	15	-	-	SYM
ijosar-1126	451	16	2466	2466	NUM
ijosar-1126	451	17	)	)	PUNCT
ijosar-1126	451	18	obiora	obiora	PROPN
ijosar-1126	451	19	peters	peters	PROPN
ijosar-1126	451	20	,	,	PUNCT
ijosar-1126	451	21	emeka	emeka	VERB
ijosar-1126	451	22	phd1	phd1	PROPN
ijosar-1126	451	23	*	*	PUNCT
ijosar-1126	451	24	https://ijojournals.com/	https://ijojournals.com/	PROPN
ijosar-1126	451	25	volume	volume	NOUN
ijosar-1126	451	26	08	08	NUM
ijosar-1126	452	1	||	||	PROPN
ijosar-1126	452	2	issue	issue	NOUN
ijosar-1126	452	3	08	08	NUM
ijosar-1126	452	4	||	||	NOUN
ijosar-1126	452	5	august	august	PROPN
ijosar-1126	452	6	,	,	PUNCT
ijosar-1126	452	7	2025	2025	NUM
ijosar-1126	452	8	||	||	PUNCT
ijosar-1126	453	1	“	"	PUNCT
ijosar-1126	453	2	the	the	DET
ijosar-1126	453	3	impact	impact	NOUN
ijosar-1126	453	4	of	of	ADP
ijosar-1126	453	5	financial	financial	ADJ
ijosar-1126	453	6	technology	technology	NOUN
ijosar-1126	453	7	on	on	ADP
ijosar-1126	453	8	the	the	DET
ijosar-1126	453	9	growth	growth	NOUN
ijosar-1126	453	10	of	of	ADP
ijosar-1126	453	11	smes	sme	NOUN
ijosar-1126	453	12	in	in	ADP
ijosar-1126	453	13	rwanda	rwanda	PROPN
ijosar-1126	453	14	(	(	PUNCT
ijosar-1126	453	15	2020	2020	NUM
ijosar-1126	453	16	-	-	SYM
ijosar-1126	453	17	2024	2024	NUM
ijosar-1126	453	18	)	)	PUNCT
ijosar-1126	453	19	"	"	PUNCT
ijosar-1126	453	20	and	and	CCONJ
ijosar-1126	453	21	interact	interact	VERB
ijosar-1126	453	22	with	with	ADP
ijosar-1126	453	23	consumers	consumer	NOUN
ijosar-1126	453	24	.	.	PUNCT
ijosar-1126	454	1	on	on	ADP
ijosar-1126	454	2	the	the	DET
ijosar-1126	454	3	other	other	ADJ
ijosar-1126	454	4	hand	hand	NOUN
ijosar-1126	454	5	,	,	PUNCT
ijosar-1126	454	6	their	their	PRON
ijosar-1126	454	7	use	use	NOUN
ijosar-1126	454	8	may	may	AUX
ijosar-1126	454	9	compromise	compromise	VERB
ijosar-1126	454	10	business	business	NOUN
ijosar-1126	454	11	stability	stability	NOUN
ijosar-1126	454	12	and	and	CCONJ
ijosar-1126	454	13	survival	survival	NOUN
ijosar-1126	454	14	if	if	SCONJ
ijosar-1126	454	15	not	not	PART
ijosar-1126	454	16	accompanied	accompany	VERB
ijosar-1126	454	17	by	by	ADP
ijosar-1126	454	18	proper	proper	ADJ
ijosar-1126	454	19	risk	risk	NOUN
ijosar-1126	454	20	management	management	NOUN
ijosar-1126	454	21	,	,	PUNCT
ijosar-1126	454	22	financial	financial	ADJ
ijosar-1126	454	23	education	education	NOUN
ijosar-1126	454	24	,	,	PUNCT
ijosar-1126	454	25	and	and	CCONJ
ijosar-1126	454	26	digital	digital	ADJ
ijosar-1126	454	27	infrastructure	infrastructure	NOUN
ijosar-1126	454	28	support	support	NOUN
ijosar-1126	454	29	.	.	PUNCT
ijosar-1126	455	1	for	for	ADP
ijosar-1126	455	2	policymakers	policymaker	NOUN
ijosar-1126	455	3	and	and	CCONJ
ijosar-1126	455	4	fintech	fintech	NOUN
ijosar-1126	455	5	providers	provider	NOUN
ijosar-1126	455	6	,	,	PUNCT
ijosar-1126	455	7	this	this	PRON
ijosar-1126	455	8	suggests	suggest	VERB
ijosar-1126	455	9	the	the	DET
ijosar-1126	455	10	need	need	NOUN
ijosar-1126	455	11	for	for	ADP
ijosar-1126	455	12	capacity	capacity	NOUN
ijosar-1126	455	13	-	-	PUNCT
ijosar-1126	455	14	building	building	NOUN
ijosar-1126	455	15	programs	program	NOUN
ijosar-1126	455	16	,	,	PUNCT
ijosar-1126	455	17	consumer	consumer	NOUN
ijosar-1126	455	18	protection	protection	NOUN
ijosar-1126	455	19	measures	measure	NOUN
ijosar-1126	455	20	,	,	PUNCT
ijosar-1126	455	21	and	and	CCONJ
ijosar-1126	455	22	tailored	tailor	VERB
ijosar-1126	455	23	financial	financial	ADJ
ijosar-1126	455	24	tools	tool	NOUN
ijosar-1126	455	25	to	to	PART
ijosar-1126	455	26	ensure	ensure	VERB
ijosar-1126	455	27	that	that	SCONJ
ijosar-1126	455	28	the	the	DET
ijosar-1126	455	29	rapid	rapid	ADJ
ijosar-1126	455	30	growth	growth	NOUN
ijosar-1126	455	31	enabled	enable	VERB
ijosar-1126	455	32	by	by	ADP
ijosar-1126	455	33	digital	digital	ADJ
ijosar-1126	455	34	wallets	wallet	NOUN
ijosar-1126	455	35	is	be	AUX
ijosar-1126	455	36	both	both	CCONJ
ijosar-1126	455	37	sustainable	sustainable	ADJ
ijosar-1126	455	38	and	and	CCONJ
ijosar-1126	455	39	inclusive	inclusive	ADJ
ijosar-1126	455	40	.	.	PUNCT
ijosar-1126	456	1	positive	positive	ADJ
ijosar-1126	456	2	impacts	impact	NOUN
ijosar-1126	456	3	align	align	VERB
ijosar-1126	456	4	with	with	ADP
ijosar-1126	456	5	chakraborty	chakraborty	PROPN
ijosar-1126	456	6	&	&	CCONJ
ijosar-1126	456	7	biswas	biswas	PROPN
ijosar-1126	456	8	(	(	PUNCT
ijosar-1126	456	9	2023	2023	NUM
ijosar-1126	456	10	)	)	PUNCT
ijosar-1126	456	11	in	in	ADP
ijosar-1126	456	12	southeast	southeast	PROPN
ijosar-1126	456	13	asia	asia	PROPN
ijosar-1126	456	14	(	(	PUNCT
ijosar-1126	456	15	12	12	NUM
ijosar-1126	456	16	%	%	NOUN
ijosar-1126	456	17	revenue	revenue	NOUN
ijosar-1126	456	18	growth	growth	NOUN
ijosar-1126	456	19	)	)	PUNCT
ijosar-1126	456	20	and	and	CCONJ
ijosar-1126	456	21	mwangi	mwangi	PROPN
ijosar-1126	456	22	&	&	CCONJ
ijosar-1126	456	23	otieno	otieno	PROPN
ijosar-1126	456	24	(	(	PUNCT
ijosar-1126	456	25	2024	2024	NUM
ijosar-1126	456	26	)	)	PUNCT
ijosar-1126	456	27	in	in	ADP
ijosar-1126	456	28	kenya	kenya	PROPN
ijosar-1126	456	29	(	(	PUNCT
ijosar-1126	456	30	22	22	NUM
ijosar-1126	456	31	%	%	NOUN
ijosar-1126	456	32	credit	credit	NOUN
ijosar-1126	456	33	access	access	NOUN
ijosar-1126	456	34	gains	gain	NOUN
ijosar-1126	456	35	)	)	PUNCT
ijosar-1126	456	36	.	.	PUNCT
ijosar-1126	457	1	however	however	ADV
ijosar-1126	457	2	,	,	PUNCT
ijosar-1126	457	3	the	the	DET
ijosar-1126	457	4	survival	survival	NOUN
ijosar-1126	457	5	paradox	paradox	NOUN
ijosar-1126	457	6	may	may	AUX
ijosar-1126	457	7	reflect	reflect	VERB
ijosar-1126	457	8	rwanda	rwanda	PROPN
ijosar-1126	457	9	-	-	PUNCT
ijosar-1126	457	10	specific	specific	ADJ
ijosar-1126	457	11	challenges	challenge	NOUN
ijosar-1126	457	12	of	of	ADP
ijosar-1126	457	13	interoperability	interoperability	NOUN
ijosar-1126	457	14	issues	issue	NOUN
ijosar-1126	457	15	between	between	ADP
ijosar-1126	457	16	wallets	wallet	NOUN
ijosar-1126	457	17	as	as	ADP
ijosar-1126	457	18	yegopay	yegopay	NOUN
ijosar-1126	457	19	against	against	ADP
ijosar-1126	457	20	bank	bank	NOUN
ijosar-1126	457	21	apps	app	NOUN
ijosar-1126	457	22	and	and	CCONJ
ijosar-1126	457	23	high	high	ADJ
ijosar-1126	457	24	transaction	transaction	NOUN
ijosar-1126	457	25	fees	fee	NOUN
ijosar-1126	457	26	.	.	PUNCT
ijosar-1126	458	1	the	the	DET
ijosar-1126	458	2	resource	resource	NOUN
ijosar-1126	458	3	-	-	PUNCT
ijosar-1126	458	4	based	base	VERB
ijosar-1126	458	5	view	view	NOUN
ijosar-1126	458	6	(	(	PUNCT
ijosar-1126	458	7	rbv	rbv	NOUN
ijosar-1126	458	8	)	)	PUNCT
ijosar-1126	458	9	frames	frame	VERB
ijosar-1126	458	10	wallets	wallet	NOUN
ijosar-1126	458	11	as	as	ADP
ijosar-1126	458	12	efficiency	efficiency	NOUN
ijosar-1126	458	13	resources	resource	NOUN
ijosar-1126	458	14	as	as	SCONJ
ijosar-1126	458	15	they	they	PRON
ijosar-1126	458	16	enhance	enhance	VERB
ijosar-1126	458	17	cash	cash	NOUN
ijosar-1126	458	18	flow	flow	NOUN
ijosar-1126	458	19	predictability	predictability	NOUN
ijosar-1126	458	20	(	(	PUNCT
ijosar-1126	458	21	supporting	support	VERB
ijosar-1126	458	22	hiring	hiring	NOUN
ijosar-1126	458	23	)	)	PUNCT
ijosar-1126	458	24	,	,	PUNCT
ijosar-1126	458	25	integrated	integrate	VERB
ijosar-1126	458	26	apis	api	NOUN
ijosar-1126	458	27	enable	enable	VERB
ijosar-1126	458	28	e	e	NOUN
ijosar-1126	458	29	-	-	ADJ
ijosar-1126	458	30	commerce	commerce	NOUN
ijosar-1126	458	31	/	/	SYM
ijosar-1126	458	32	market	market	NOUN
ijosar-1126	458	33	access.yet	access.yet	PROPN
ijosar-1126	458	34	tam	tam	NOUN
ijosar-1126	458	35	exposes	expose	VERB
ijosar-1126	458	36	adoption	adoption	NOUN
ijosar-1126	458	37	barriers	barrier	NOUN
ijosar-1126	458	38	as	as	ADP
ijosar-1126	458	39	fragmented	fragmented	ADJ
ijosar-1126	458	40	systems	system	NOUN
ijosar-1126	458	41	increase	increase	VERB
ijosar-1126	458	42	complexity	complexity	NOUN
ijosar-1126	458	43	(	(	PUNCT
ijosar-1126	458	44	reducing	reduce	VERB
ijosar-1126	458	45	ease	ease	NOUN
ijosar-1126	458	46	of	of	ADP
ijosar-1126	458	47	use	use	NOUN
ijosar-1126	458	48	)	)	PUNCT
ijosar-1126	458	49	and	and	CCONJ
ijosar-1126	458	50	security	security	NOUN
ijosar-1126	458	51	concerns	concern	NOUN
ijosar-1126	458	52	undermine	undermine	VERB
ijosar-1126	458	53	trust	trust	NOUN
ijosar-1126	458	54	,	,	PUNCT
ijosar-1126	458	55	especially	especially	ADV
ijosar-1126	458	56	for	for	ADP
ijosar-1126	458	57	informal	informal	ADJ
ijosar-1126	458	58	smes	sme	NOUN
ijosar-1126	458	59	.	.	PUNCT
ijosar-1126	459	1	5.0	5.0	NUM
ijosar-1126	459	2	conclusion	conclusion	NOUN
ijosar-1126	459	3	and	and	CCONJ
ijosar-1126	459	4	recommendation	recommendation	NOUN
ijosar-1126	459	5	this	this	DET
ijosar-1126	459	6	study	study	NOUN
ijosar-1126	459	7	concludes	conclude	VERB
ijosar-1126	459	8	that	that	SCONJ
ijosar-1126	459	9	financial	financial	ADJ
ijosar-1126	459	10	technology	technology	NOUN
ijosar-1126	459	11	tools	tool	NOUN
ijosar-1126	459	12	have	have	VERB
ijosar-1126	459	13	a	a	DET
ijosar-1126	459	14	differentiated	differentiated	ADJ
ijosar-1126	459	15	impact	impact	NOUN
ijosar-1126	459	16	on	on	ADP
ijosar-1126	459	17	sme	sme	ADJ
ijosar-1126	459	18	growth	growth	NOUN
ijosar-1126	459	19	in	in	ADP
ijosar-1126	459	20	rwanda	rwanda	PROPN
ijosar-1126	459	21	.	.	PUNCT
ijosar-1126	460	1	digital	digital	ADJ
ijosar-1126	460	2	credit	credit	NOUN
ijosar-1126	460	3	platforms	platform	NOUN
ijosar-1126	460	4	and	and	CCONJ
ijosar-1126	460	5	mobile	mobile	ADJ
ijosar-1126	460	6	money	money	NOUN
ijosar-1126	460	7	services	service	NOUN
ijosar-1126	460	8	notably	notably	ADV
ijosar-1126	460	9	support	support	VERB
ijosar-1126	460	10	business	business	NOUN
ijosar-1126	460	11	continuity	continuity	NOUN
ijosar-1126	460	12	and	and	CCONJ
ijosar-1126	460	13	market	market	NOUN
ijosar-1126	460	14	access	access	NOUN
ijosar-1126	460	15	,	,	PUNCT
ijosar-1126	460	16	while	while	SCONJ
ijosar-1126	460	17	digital	digital	ADJ
ijosar-1126	460	18	wallets	wallet	NOUN
ijosar-1126	460	19	enhance	enhance	VERB
ijosar-1126	460	20	operational	operational	ADJ
ijosar-1126	460	21	capacity	capacity	NOUN
ijosar-1126	460	22	and	and	CCONJ
ijosar-1126	460	23	job	job	NOUN
ijosar-1126	460	24	creation	creation	NOUN
ijosar-1126	460	25	.	.	PUNCT
ijosar-1126	461	1	nevertheless	nevertheless	ADV
ijosar-1126	461	2	,	,	PUNCT
ijosar-1126	461	3	digital	digital	ADJ
ijosar-1126	461	4	lending	lending	NOUN
ijosar-1126	461	5	,	,	PUNCT
ijosar-1126	461	6	though	though	SCONJ
ijosar-1126	461	7	widely	widely	ADV
ijosar-1126	461	8	accessible	accessible	ADJ
ijosar-1126	461	9	,	,	PUNCT
ijosar-1126	461	10	presents	present	VERB
ijosar-1126	461	11	challenges	challenge	NOUN
ijosar-1126	461	12	that	that	PRON
ijosar-1126	461	13	may	may	AUX
ijosar-1126	461	14	impair	impair	VERB
ijosar-1126	461	15	rather	rather	ADV
ijosar-1126	461	16	than	than	ADP
ijosar-1126	461	17	foster	foster	ADJ
ijosar-1126	461	18	sme	sme	NOUN
ijosar-1126	461	19	growth	growth	NOUN
ijosar-1126	461	20	.	.	PUNCT
ijosar-1126	462	1	5.2	5.2	NUM
ijosar-1126	462	2	recommendation	recommendation	NOUN
ijosar-1126	462	3	the	the	DET
ijosar-1126	462	4	study	study	NOUN
ijosar-1126	462	5	recommends	recommend	VERB
ijosar-1126	462	6	a	a	DET
ijosar-1126	462	7	redesign	redesign	NOUN
ijosar-1126	462	8	of	of	ADP
ijosar-1126	462	9	loan	loan	NOUN
ijosar-1126	462	10	terms	term	NOUN
ijosar-1126	462	11	;	;	PUNCT
ijosar-1126	462	12	expanding	expand	VERB
ijosar-1126	462	13	borrower	borrower	NOUN
ijosar-1126	462	14	education	education	NOUN
ijosar-1126	462	15	to	to	PART
ijosar-1126	462	16	enhance	enhance	VERB
ijosar-1126	462	17	digital	digital	ADJ
ijosar-1126	462	18	lending	lending	NOUN
ijosar-1126	462	19	access	access	NOUN
ijosar-1126	462	20	.	.	PUNCT
ijosar-1126	463	1	the	the	DET
ijosar-1126	463	2	addition	addition	NOUN
ijosar-1126	463	3	of	of	ADP
ijosar-1126	463	4	sme	sme	NOUN
ijosar-1126	463	5	features	feature	NOUN
ijosar-1126	463	6	and	and	CCONJ
ijosar-1126	463	7	enhance	enhance	VERB
ijosar-1126	463	8	interoperability	interoperability	NOUN
ijosar-1126	463	9	on	on	ADP
ijosar-1126	463	10	mobile	mobile	ADJ
ijosar-1126	463	11	money	money	NOUN
ijosar-1126	463	12	,	,	PUNCT
ijosar-1126	463	13	digital	digital	ADJ
ijosar-1126	463	14	credit	credit	NOUN
ijosar-1126	463	15	platforms	platform	NOUN
ijosar-1126	463	16	should	should	AUX
ijosar-1126	463	17	adopt	adopt	VERB
ijosar-1126	463	18	diverse	diverse	ADJ
ijosar-1126	463	19	data	datum	NOUN
ijosar-1126	463	20	;	;	PUNCT
ijosar-1126	463	21	enforce	enforce	VERB
ijosar-1126	463	22	responsible	responsible	ADJ
ijosar-1126	463	23	lending	lending	NOUN
ijosar-1126	463	24	;	;	PUNCT
ijosar-1126	463	25	and	and	CCONJ
ijosar-1126	463	26	improve	improve	VERB
ijosar-1126	463	27	security	security	NOUN
ijosar-1126	463	28	;	;	PUNCT
ijosar-1126	463	29	integrate	integrate	VERB
ijosar-1126	463	30	with	with	ADP
ijosar-1126	463	31	business	business	NOUN
ijosar-1126	463	32	tools	tool	NOUN
ijosar-1126	463	33	on	on	ADP
ijosar-1126	463	34	digital	digital	ADJ
ijosar-1126	463	35	wallets	wallet	NOUN
ijosar-1126	463	36	.	.	PUNCT
ijosar-1126	464	1	references	reference	NOUN
ijosar-1126	464	2	abor	abor	PROPN
ijosar-1126	464	3	,	,	PUNCT
ijosar-1126	464	4	j.	j.	PROPN
ijosar-1126	464	5	,	,	PUNCT
ijosar-1126	464	6	&	&	CCONJ
ijosar-1126	464	7	quartey	quartey	PROPN
ijosar-1126	464	8	,	,	PUNCT
ijosar-1126	464	9	p.	p.	NOUN
ijosar-1126	464	10	(	(	PUNCT
ijosar-1126	464	11	2023	2023	NUM
ijosar-1126	464	12	)	)	PUNCT
ijosar-1126	464	13	.	.	PUNCT
ijosar-1126	465	1	mobile	mobile	ADJ
ijosar-1126	465	2	money	money	NOUN
ijosar-1126	465	3	adoption	adoption	NOUN
ijosar-1126	465	4	and	and	CCONJ
ijosar-1126	465	5	sme	sme	NOUN
ijosar-1126	465	6	growth	growth	NOUN
ijosar-1126	465	7	in	in	ADP
ijosar-1126	465	8	ghana	ghana	PROPN
ijosar-1126	465	9	:	:	PUNCT
ijosar-1126	465	10	evidence	evidence	NOUN
ijosar-1126	465	11	from	from	ADP
ijosar-1126	465	12	the	the	DET
ijosar-1126	465	13	services	service	NOUN
ijosar-1126	465	14	sector	sector	NOUN
ijosar-1126	465	15	.	.	PUNCT
ijosar-1126	466	1	african	african	ADJ
ijosar-1126	466	2	journal	journal	PROPN
ijosar-1126	466	3	of	of	ADP
ijosar-1126	466	4	economic	economic	ADJ
ijosar-1126	466	5	policy	policy	NOUN
ijosar-1126	466	6	,	,	PUNCT
ijosar-1126	466	7	30(2	30(2	NUM
ijosar-1126	466	8	)	)	PUNCT
ijosar-1126	466	9	,	,	PUNCT
ijosar-1126	466	10	45–62	45–62	NUM
ijosar-1126	466	11	.	.	PUNCT
ijosar-1126	467	1	https://doi.org/10.4314/ajep.v30i2.3	https://doi.org/10.4314/ajep.v30i2.3	PROPN
ijosar-1126	467	2	achtenhagen	achtenhagen	PROPN
ijosar-1126	467	3	,	,	PUNCT
ijosar-1126	467	4	l.	l.	PROPN
ijosar-1126	467	5	,	,	PUNCT
ijosar-1126	467	6	naldi	naldi	PROPN
ijosar-1126	467	7	,	,	PUNCT
ijosar-1126	467	8	l.	l.	PROPN
ijosar-1126	467	9	,	,	PUNCT
ijosar-1126	467	10	&	&	CCONJ
ijosar-1126	467	11	melin	melin	PROPN
ijosar-1126	467	12	,	,	PUNCT
ijosar-1126	467	13	l.	l.	PROPN
ijosar-1126	467	14	(	(	PUNCT
ijosar-1126	467	15	2010	2010	NUM
ijosar-1126	467	16	)	)	PUNCT
ijosar-1126	467	17	.	.	PUNCT
ijosar-1126	468	1	“	"	PUNCT
ijosar-1126	468	2	business	business	NOUN
ijosar-1126	468	3	growth”do	growth”do	PROPN
ijosar-1126	468	4	practitioners	practitioner	NOUN
ijosar-1126	468	5	and	and	CCONJ
ijosar-1126	468	6	scholars	scholar	NOUN
ijosar-1126	468	7	really	really	ADV
ijosar-1126	468	8	talk	talk	VERB
ijosar-1126	468	9	about	about	ADP
ijosar-1126	468	10	the	the	DET
ijosar-1126	468	11	same	same	ADJ
ijosar-1126	468	12	thing	thing	NOUN
ijosar-1126	468	13	?	?	PUNCT
ijosar-1126	469	1	ijo	ijo	PROPN
ijosar-1126	469	2	journals	journal	NOUN
ijosar-1126	469	3	volume	volume	NOUN
ijosar-1126	469	4	08	08	NUM
ijosar-1126	470	1	|	|	ADV
ijosar-1126	470	2	issue	issue	NOUN
ijosar-1126	470	3	08	08	NUM
ijosar-1126	471	1	|	|	ADV
ijosar-1126	471	2	august	august	PROPN
ijosar-1126	471	3	2025	2025	NUM
ijosar-1126	471	4	|	|	ADV
ijosar-1126	471	5	https://ijojournals.com/index.php/ssh/index	https://ijojournals.com/index.php/ssh/index	NOUN
ijosar-1126	471	6	108	108	NUM
ijosar-1126	471	7	ijointernational	ijointernational	ADJ
ijosar-1126	471	8	journal	journal	NOUN
ijosar-1126	471	9	of	of	ADP
ijosar-1126	471	10	social	social	ADJ
ijosar-1126	471	11	science	science	NOUN
ijosar-1126	471	12	and	and	CCONJ
ijosar-1126	471	13	humanities	humanity	NOUN
ijosar-1126	471	14	research	research	NOUN
ijosar-1126	471	15	(	(	PUNCT
ijosar-1126	471	16	issn	issn	PROPN
ijosar-1126	471	17	2811	2811	NUM
ijosar-1126	471	18	-	-	SYM
ijosar-1126	471	19	2466	2466	NUM
ijosar-1126	471	20	)	)	PUNCT
ijosar-1126	471	21	obiora	obiora	PROPN
ijosar-1126	471	22	peters	peters	PROPN
ijosar-1126	471	23	,	,	PUNCT
ijosar-1126	471	24	emeka	emeka	VERB
ijosar-1126	471	25	phd1	phd1	PROPN
ijosar-1126	471	26	*	*	PUNCT
ijosar-1126	471	27	https://ijojournals.com/	https://ijojournals.com/	PROPN
ijosar-1126	471	28	volume	volume	NOUN
ijosar-1126	471	29	08	08	NUM
ijosar-1126	472	1	||	||	PROPN
ijosar-1126	472	2	issue	issue	NOUN
ijosar-1126	472	3	08	08	NUM
ijosar-1126	472	4	||	||	NOUN
ijosar-1126	472	5	august	august	PROPN
ijosar-1126	472	6	,	,	PUNCT
ijosar-1126	472	7	2025	2025	NUM
ijosar-1126	472	8	||	||	PUNCT
ijosar-1126	473	1	“	"	PUNCT
ijosar-1126	473	2	the	the	DET
ijosar-1126	473	3	impact	impact	NOUN
ijosar-1126	473	4	of	of	ADP
ijosar-1126	473	5	financial	financial	ADJ
ijosar-1126	473	6	technology	technology	NOUN
ijosar-1126	473	7	on	on	ADP
ijosar-1126	473	8	the	the	DET
ijosar-1126	473	9	growth	growth	NOUN
ijosar-1126	473	10	of	of	ADP
ijosar-1126	473	11	smes	sme	NOUN
ijosar-1126	473	12	in	in	ADP
ijosar-1126	473	13	rwanda	rwanda	PROPN
ijosar-1126	473	14	(	(	PUNCT
ijosar-1126	473	15	2020	2020	NUM
ijosar-1126	473	16	-	-	SYM
ijosar-1126	473	17	2024	2024	NUM
ijosar-1126	473	18	)	)	PUNCT
ijosar-1126	473	19	"	"	PUNCT
ijosar-1126	473	20	entrepreneurship	entrepreneurship	NOUN
ijosar-1126	473	21	theory	theory	NOUN
ijosar-1126	473	22	and	and	CCONJ
ijosar-1126	473	23	practice	practice	NOUN
ijosar-1126	473	24	,	,	PUNCT
ijosar-1126	473	25	34(2	34(2	NUM
ijosar-1126	473	26	)	)	PUNCT
ijosar-1126	473	27	,	,	PUNCT
ijosar-1126	473	28	289–316	289–316	NUM
ijosar-1126	473	29	.	.	PUNCT
ijosar-1126	474	1	https://doi.org/10.1111/j.1540-6520.2010.00376.x	https://doi.org/10.1111/j.1540-6520.2010.00376.x	PROPN
ijosar-1126	474	2	afi	afi	PROPN
ijosar-1126	474	3	.	.	PUNCT
ijosar-1126	474	4	(	(	PUNCT
ijosar-1126	474	5	2022	2022	NUM
ijosar-1126	474	6	)	)	PUNCT
ijosar-1126	474	7	.	.	PUNCT
ijosar-1126	475	1	fintech	fintech	NOUN
ijosar-1126	475	2	for	for	ADP
ijosar-1126	475	3	financial	financial	ADJ
ijosar-1126	475	4	inclusion	inclusion	NOUN
ijosar-1126	475	5	in	in	ADP
ijosar-1126	475	6	east	east	PROPN
ijosar-1126	475	7	africa	africa	PROPN
ijosar-1126	475	8	.	.	PUNCT
ijosar-1126	476	1	alliance	alliance	NOUN
ijosar-1126	476	2	for	for	ADP
ijosar-1126	476	3	financial	financial	ADJ
ijosar-1126	476	4	inclusion	inclusion	NOUN
ijosar-1126	476	5	.	.	PUNCT
ijosar-1126	477	1	animhiaga	animhiaga	PROPN
ijosar-1126	477	2	,	,	PUNCT
ijosar-1126	477	3	c.	c.	PROPN
ijosar-1126	477	4	(	(	PUNCT
ijosar-1126	477	5	2025	2025	NUM
ijosar-1126	477	6	)	)	PUNCT
ijosar-1126	477	7	.	.	PUNCT
ijosar-1126	478	1	digital	digital	ADJ
ijosar-1126	478	2	credit	credit	NOUN
ijosar-1126	478	3	and	and	CCONJ
ijosar-1126	478	4	sme	sme	NOUN
ijosar-1126	478	5	transformation	transformation	NOUN
ijosar-1126	478	6	in	in	ADP
ijosar-1126	478	7	rwanda	rwanda	PROPN
ijosar-1126	478	8	:	:	PUNCT
ijosar-1126	478	9	trends	trend	NOUN
ijosar-1126	478	10	,	,	PUNCT
ijosar-1126	478	11	risks	risk	NOUN
ijosar-1126	478	12	,	,	PUNCT
ijosar-1126	478	13	and	and	CCONJ
ijosar-1126	478	14	policy	policy	NOUN
ijosar-1126	478	15	gaps	gap	NOUN
ijosar-1126	478	16	.	.	PUNCT
ijosar-1126	479	1	kigali	kigali	PROPN
ijosar-1126	479	2	economic	economic	PROPN
ijosar-1126	479	3	review	review	PROPN
ijosar-1126	479	4	,	,	PUNCT
ijosar-1126	479	5	12(1	12(1	NUM
ijosar-1126	479	6	)	)	PUNCT
ijosar-1126	479	7	,	,	PUNCT
ijosar-1126	479	8	44–61	44–61	NUM
ijosar-1126	479	9	.	.	PUNCT
ijosar-1126	479	10	animhiaga	animhiaga	PROPN
ijosar-1126	479	11	,	,	PUNCT
ijosar-1126	479	12	e.	e.	PROPN
ijosar-1126	479	13	(	(	PUNCT
ijosar-1126	479	14	2025	2025	NUM
ijosar-1126	479	15	,	,	PUNCT
ijosar-1126	479	16	march	march	PROPN
ijosar-1126	479	17	30	30	NUM
ijosar-1126	479	18	)	)	PUNCT
ijosar-1126	479	19	.	.	PUNCT
ijosar-1126	480	1	a	a	DET
ijosar-1126	480	2	deep	deep	ADJ
ijosar-1126	480	3	overview	overview	NOUN
ijosar-1126	480	4	of	of	ADP
ijosar-1126	480	5	business	business	NOUN
ijosar-1126	480	6	and	and	CCONJ
ijosar-1126	480	7	sme	sme	NOUN
ijosar-1126	480	8	loans	loan	NOUN
ijosar-1126	480	9	in	in	ADP
ijosar-1126	480	10	rwanda	rwanda	PROPN
ijosar-1126	480	11	.	.	PUNCT
ijosar-1126	481	1	lendsqr	lendsqr	PROPN
ijosar-1126	481	2	.	.	PUNCT
ijosar-1126	482	1	https://blog.lendsqr.com/a-deep-overview-of-business-and	https://blog.lendsqr.com/a-deep-overview-of-business-and	NUM
ijosar-1126	482	2	sme	sme	NOUN
ijosar-1126	482	3	-	-	PUNCT
ijosar-1126	482	4	loans	loan	NOUN
ijosar-1126	482	5	-	-	PUNCT
ijosar-1126	482	6	in	in	ADP
ijosar-1126	482	7	-	-	PUNCT
ijosar-1126	482	8	rwanda	rwanda	NOUN
ijosar-1126	482	9	minict.gov.rw+9xelius.org+9reddit.com+9blog.lendsqr.com+2blog.lendsqr.co	minict.gov.rw+9xelius.org+9reddit.com+9blog.lendsqr.com+2blog.lendsqr.co	PROPN
ijosar-1126	482	10	m+2blog.lendsqr.com+2	m+2blog.lendsqr.com+2	NOUN
ijosar-1126	482	11	animhiaga	animhiaga	NOUN
ijosar-1126	482	12	,	,	PUNCT
ijosar-1126	482	13	e.	e.	PROPN
ijosar-1126	482	14	(	(	PUNCT
ijosar-1126	482	15	2025	2025	NUM
ijosar-1126	482	16	,	,	PUNCT
ijosar-1126	482	17	march	march	PROPN
ijosar-1126	482	18	29	29	NUM
ijosar-1126	482	19	)	)	PUNCT
ijosar-1126	482	20	.	.	PUNCT
ijosar-1126	483	1	a	a	DET
ijosar-1126	483	2	deep	deep	ADJ
ijosar-1126	483	3	overview	overview	NOUN
ijosar-1126	483	4	of	of	ADP
ijosar-1126	483	5	consumer	consumer	NOUN
ijosar-1126	483	6	credit	credit	NOUN
ijosar-1126	483	7	in	in	ADP
ijosar-1126	483	8	rwanda	rwanda	PROPN
ijosar-1126	483	9	.	.	PUNCT
ijosar-1126	484	1	lendsqr	lendsqr	PROPN
ijosar-1126	484	2	.	.	PUNCT
ijosar-1126	485	1	https://blog.lendsqr.com/a-deep-overview-of-consumer-credit-in	https://blog.lendsqr.com/a-deep-overview-of-consumer-credit-in	PROPN
ijosar-1126	485	2	rwandablog.lendsqr.com	rwandablog.lendsqr.com	PROPN
ijosar-1126	485	3	rizzi	rizzi	PROPN
ijosar-1126	485	4	,	,	PUNCT
ijosar-1126	485	5	a.	a.	PROPN
ijosar-1126	485	6	,	,	PUNCT
ijosar-1126	485	7	&	&	CCONJ
ijosar-1126	485	8	kumari	kumari	PROPN
ijosar-1126	485	9	,	,	PUNCT
ijosar-1126	485	10	t.	t.	PROPN
ijosar-1126	485	11	(	(	PUNCT
ijosar-1126	485	12	2021	2021	NUM
ijosar-1126	485	13	)	)	PUNCT
ijosar-1126	485	14	.	.	PUNCT
ijosar-1126	486	1	trust	trust	NOUN
ijosar-1126	486	2	of	of	ADP
ijosar-1126	486	3	data	datum	NOUN
ijosar-1126	486	4	usage	usage	NOUN
ijosar-1126	486	5	,	,	PUNCT
ijosar-1126	486	6	sources	source	NOUN
ijosar-1126	486	7	,	,	PUNCT
ijosar-1126	486	8	and	and	CCONJ
ijosar-1126	486	9	decisioning	decisione	VERB
ijosar-1126	486	10	:	:	PUNCT
ijosar-1126	486	11	perspectives	perspective	NOUN
ijosar-1126	486	12	from	from	ADP
ijosar-1126	486	13	rwandan	rwandan	PROPN
ijosar-1126	486	14	mobile	mobile	ADJ
ijosar-1126	486	15	money	money	NOUN
ijosar-1126	486	16	users	user	NOUN
ijosar-1126	486	17	.	.	PUNCT
ijosar-1126	487	1	center	center	NOUN
ijosar-1126	487	2	for	for	ADP
ijosar-1126	487	3	financial	financial	ADJ
ijosar-1126	487	4	inclusion	inclusion	NOUN
ijosar-1126	487	5	.	.	PUNCT
ijosar-1126	488	1	centerforfinancialinclusion.org	centerforfinancialinclusion.org	X
ijosar-1126	488	2	sanga	sanga	PROPN
ijosar-1126	488	3	,	,	PUNCT
ijosar-1126	488	4	b.	b.	PROPN
ijosar-1126	488	5	,	,	PUNCT
ijosar-1126	488	6	&	&	CCONJ
ijosar-1126	488	7	aziakpono	aziakpono	PROPN
ijosar-1126	488	8	,	,	PUNCT
ijosar-1126	488	9	m.	m.	NOUN
ijosar-1126	488	10	(	(	PUNCT
ijosar-1126	488	11	2024	2024	NUM
ijosar-1126	488	12	)	)	PUNCT
ijosar-1126	488	13	.	.	PUNCT
ijosar-1126	489	1	fintech	fintech	NOUN
ijosar-1126	489	2	developments	development	NOUN
ijosar-1126	489	3	and	and	CCONJ
ijosar-1126	489	4	their	their	PRON
ijosar-1126	489	5	heterogeneous	heterogeneous	ADJ
ijosar-1126	489	6	effect	effect	NOUN
ijosar-1126	489	7	on	on	ADP
ijosar-1126	489	8	digital	digital	ADJ
ijosar-1126	489	9	finance	finance	NOUN
ijosar-1126	489	10	for	for	ADP
ijosar-1126	489	11	smes	sme	NOUN
ijosar-1126	489	12	and	and	CCONJ
ijosar-1126	489	13	entrepreneurship	entrepreneurship	NOUN
ijosar-1126	489	14	:	:	PUNCT
ijosar-1126	489	15	evidence	evidence	NOUN
ijosar-1126	489	16	from	from	ADP
ijosar-1126	489	17	47	47	NUM
ijosar-1126	489	18	african	african	ADJ
ijosar-1126	489	19	countries	country	NOUN
ijosar-1126	489	20	.	.	PUNCT
ijosar-1126	490	1	journal	journal	NOUN
ijosar-1126	490	2	of	of	ADP
ijosar-1126	490	3	entrepreneurship	entrepreneurship	NOUN
ijosar-1126	490	4	in	in	ADP
ijosar-1126	490	5	emerging	emerge	VERB
ijosar-1126	490	6	economies	economy	NOUN
ijosar-1126	490	7	,	,	PUNCT
ijosar-1126	490	8	ahead	ahead	ADV
ijosar-1126	490	9	-	-	PUNCT
ijosar-1126	490	10	of	of	ADP
ijosar-1126	490	11	-	-	PUNCT
ijosar-1126	490	12	print	print	NOUN
ijosar-1126	490	13	.	.	PUNCT
ijosar-1126	491	1	https://doi.org/10.1108/jeee-09-2023-0379	https://doi.org/10.1108/jeee-09-2023-0379	PROPN
ijosar-1126	491	2	emerald.com+1researchgate.net+1	emerald.com+1researchgate.net+1	X
ijosar-1126	491	3	siaka	siaka	PROPN
ijosar-1126	491	4	,	,	PUNCT
ijosar-1126	491	5	f.	f.	PROPN
ijosar-1126	491	6	(	(	PUNCT
ijosar-1126	491	7	2025	2025	NUM
ijosar-1126	491	8	)	)	PUNCT
ijosar-1126	491	9	.	.	PUNCT
ijosar-1126	492	1	the	the	DET
ijosar-1126	492	2	digital	digital	ADJ
ijosar-1126	492	3	payment	payment	NOUN
ijosar-1126	492	4	ecosystem	ecosystem	NOUN
ijosar-1126	492	5	in	in	ADP
ijosar-1126	492	6	rwanda	rwanda	PROPN
ijosar-1126	492	7	:	:	PUNCT
ijosar-1126	492	8	2025	2025	NUM
ijosar-1126	492	9	landscape	landscape	NOUN
ijosar-1126	492	10	.	.	PUNCT
ijosar-1126	493	1	fosia	fosia	ADJ
ijosar-1126	493	2	agency	agency	NOUN
ijosar-1126	493	3	.	.	PUNCT
ijosar-1126	494	1	fosiarw.com	fosiarw.com	X
ijosar-1126	494	2	xelius	xelius	PROPN
ijosar-1126	494	3	.	.	PUNCT
ijosar-1126	495	1	(	(	PUNCT
ijosar-1126	495	2	2025	2025	NUM
ijosar-1126	495	3	)	)	PUNCT
ijosar-1126	495	4	.	.	PUNCT
ijosar-1126	496	1	exploring	explore	VERB
ijosar-1126	496	2	rwanda	rwanda	PROPN
ijosar-1126	496	3	’s	’s	PART
ijosar-1126	496	4	fintech	fintech	NOUN
ijosar-1126	496	5	landscape	landscape	NOUN
ijosar-1126	496	6	.	.	PUNCT
ijosar-1126	497	1	arxiv.org+15xelius.org+15afr.rw+15	arxiv.org+15xelius.org+15afr.rw+15	PROPN
ijosar-1126	497	2	access	access	NOUN
ijosar-1126	497	3	to	to	ADP
ijosar-1126	497	4	finance	finance	NOUN
ijosar-1126	497	5	rwanda	rwanda	PROPN
ijosar-1126	497	6	.	.	PUNCT
ijosar-1126	498	1	(	(	PUNCT
ijosar-1126	498	2	2024	2024	NUM
ijosar-1126	498	3	)	)	PUNCT
ijosar-1126	498	4	.	.	PUNCT
ijosar-1126	499	1	rwanda	rwanda	PROPN
ijosar-1126	499	2	national	national	PROPN
ijosar-1126	499	3	fintech	fintech	NOUN
ijosar-1126	499	4	strategy	strategy	NOUN
ijosar-1126	499	5	(	(	PUNCT
ijosar-1126	499	6	2024	2024	NUM
ijosar-1126	499	7	-	-	SYM
ijosar-1126	499	8	2029	2029	NUM
ijosar-1126	499	9	)	)	PUNCT
ijosar-1126	499	10	.	.	PUNCT
ijosar-1126	500	1	xelius.org+3afr.rw	xelius.org+3afr.rw	PROPN
ijosar-1126	500	2	audretsch	audretsch	PROPN
ijosar-1126	500	3	,	,	PUNCT
ijosar-1126	500	4	d.	d.	PROPN
ijosar-1126	500	5	b.	b.	PROPN
ijosar-1126	500	6	(	(	PUNCT
ijosar-1126	500	7	2007	2007	NUM
ijosar-1126	500	8	)	)	PUNCT
ijosar-1126	500	9	.	.	PUNCT
ijosar-1126	501	1	the	the	DET
ijosar-1126	501	2	entrepreneurial	entrepreneurial	ADJ
ijosar-1126	501	3	society	society	NOUN
ijosar-1126	501	4	.	.	PUNCT
ijosar-1126	502	1	oxford	oxford	PROPN
ijosar-1126	502	2	university	university	PROPN
ijosar-1126	502	3	press	press	NOUN
ijosar-1126	502	4	.	.	PUNCT
ijosar-1126	503	1	ayyagari	ayyagari	ADJ
ijosar-1126	503	2	,	,	PUNCT
ijosar-1126	503	3	m.	m.	NOUN
ijosar-1126	503	4	,	,	PUNCT
ijosar-1126	503	5	demirgüç	demirgüç	PROPN
ijosar-1126	503	6	-	-	PUNCT
ijosar-1126	503	7	kunt	kunt	PROPN
ijosar-1126	503	8	,	,	PUNCT
ijosar-1126	503	9	a.	a.	NOUN
ijosar-1126	503	10	,	,	PUNCT
ijosar-1126	503	11	&	&	CCONJ
ijosar-1126	503	12	maksimovic	maksimovic	PROPN
ijosar-1126	503	13	,	,	PUNCT
ijosar-1126	503	14	v.	v.	PROPN
ijosar-1126	503	15	(	(	PUNCT
ijosar-1126	503	16	2011	2011	NUM
ijosar-1126	503	17	)	)	PUNCT
ijosar-1126	503	18	.	.	PUNCT
ijosar-1126	504	1	small	small	ADJ
ijosar-1126	504	2	vs.	vs.	ADP
ijosar-1126	504	3	young	young	ADJ
ijosar-1126	504	4	firms	firm	NOUN
ijosar-1126	504	5	across	across	ADP
ijosar-1126	504	6	the	the	DET
ijosar-1126	504	7	world	world	NOUN
ijosar-1126	504	8	:	:	PUNCT
ijosar-1126	504	9	contribution	contribution	NOUN
ijosar-1126	504	10	to	to	ADP
ijosar-1126	504	11	employment	employment	NOUN
ijosar-1126	504	12	,	,	PUNCT
ijosar-1126	504	13	job	job	NOUN
ijosar-1126	504	14	creation	creation	NOUN
ijosar-1126	504	15	,	,	PUNCT
ijosar-1126	504	16	and	and	CCONJ
ijosar-1126	504	17	growth	growth	NOUN
ijosar-1126	504	18	.	.	PUNCT
ijosar-1126	505	1	world	world	PROPN
ijosar-1126	505	2	bank	bank	PROPN
ijosar-1126	505	3	policy	policy	NOUN
ijosar-1126	505	4	research	research	NOUN
ijosar-1126	505	5	working	working	NOUN
ijosar-1126	505	6	paper	paper	NOUN
ijosar-1126	505	7	no	no	INTJ
ijosar-1126	505	8	.	.	PUNCT
ijosar-1126	506	1	5631	5631	NUM
ijosar-1126	506	2	.	.	PUNCT
ijosar-1126	507	1	barney	barney	PROPN
ijosar-1126	507	2	,	,	PUNCT
ijosar-1126	507	3	j.	j.	PROPN
ijosar-1126	507	4	b.	b.	PROPN
ijosar-1126	507	5	(	(	PUNCT
ijosar-1126	507	6	1991	1991	NUM
ijosar-1126	507	7	)	)	PUNCT
ijosar-1126	507	8	.	.	PUNCT
ijosar-1126	508	1	firm	firm	ADJ
ijosar-1126	508	2	resources	resource	NOUN
ijosar-1126	508	3	and	and	CCONJ
ijosar-1126	508	4	sustained	sustain	VERB
ijosar-1126	508	5	competitive	competitive	ADJ
ijosar-1126	508	6	advantage	advantage	NOUN
ijosar-1126	508	7	.	.	PUNCT
ijosar-1126	509	1	journal	journal	NOUN
ijosar-1126	509	2	of	of	ADP
ijosar-1126	509	3	management	management	NOUN
ijosar-1126	509	4	,	,	PUNCT
ijosar-1126	509	5	17(1	17(1	NUM
ijosar-1126	509	6	)	)	PUNCT
ijosar-1126	509	7	,	,	PUNCT
ijosar-1126	509	8	99–120	99–120	NUM
ijosar-1126	509	9	.	.	PUNCT
ijosar-1126	509	10	https://doi.org/10.1177/014920639101700108	https://doi.org/10.1177/014920639101700108	PROPN
ijosar-1126	509	11	bates	bate	NOUN
ijosar-1126	509	12	,	,	PUNCT
ijosar-1126	509	13	t.	t.	NOUN
ijosar-1126	509	14	(	(	PUNCT
ijosar-1126	509	15	1990	1990	NUM
ijosar-1126	509	16	)	)	PUNCT
ijosar-1126	509	17	.	.	PUNCT
ijosar-1126	510	1	entrepreneur	entrepreneur	PROPN
ijosar-1126	510	2	human	human	PROPN
ijosar-1126	510	3	capital	capital	NOUN
ijosar-1126	510	4	inputs	input	NOUN
ijosar-1126	510	5	and	and	CCONJ
ijosar-1126	510	6	small	small	ADJ
ijosar-1126	510	7	business	business	NOUN
ijosar-1126	510	8	longevity	longevity	NOUN
ijosar-1126	510	9	.	.	PUNCT
ijosar-1126	511	1	the	the	DET
ijosar-1126	511	2	review	review	NOUN
ijosar-1126	511	3	of	of	ADP
ijosar-1126	511	4	economics	economic	NOUN
ijosar-1126	511	5	and	and	CCONJ
ijosar-1126	511	6	statistics	statistic	NOUN
ijosar-1126	511	7	,	,	PUNCT
ijosar-1126	511	8	72(4	72(4	NUM
ijosar-1126	511	9	)	)	PUNCT
ijosar-1126	511	10	,	,	PUNCT
ijosar-1126	511	11	551–559	551–559	NUM
ijosar-1126	511	12	.	.	PUNCT
ijosar-1126	512	1	https://doi.org/10.2307/2109594	https://doi.org/10.2307/2109594	NOUN
ijosar-1126	512	2	beck	beck	NOUN
ijosar-1126	512	3	,	,	PUNCT
ijosar-1126	512	4	t.	t.	PROPN
ijosar-1126	512	5	,	,	PUNCT
ijosar-1126	512	6	demirgüç	demirgüç	PROPN
ijosar-1126	512	7	-	-	PUNCT
ijosar-1126	512	8	kunt	kunt	PROPN
ijosar-1126	512	9	,	,	PUNCT
ijosar-1126	512	10	a.	a.	PROPN
ijosar-1126	512	11	,	,	PUNCT
ijosar-1126	512	12	&	&	CCONJ
ijosar-1126	512	13	levine	levine	PROPN
ijosar-1126	512	14	,	,	PUNCT
ijosar-1126	512	15	r.	r.	PROPN
ijosar-1126	512	16	(	(	PUNCT
ijosar-1126	512	17	2005	2005	NUM
ijosar-1126	512	18	)	)	PUNCT
ijosar-1126	512	19	.	.	PUNCT
ijosar-1126	513	1	smes	sme	NOUN
ijosar-1126	513	2	,	,	PUNCT
ijosar-1126	513	3	growth	growth	NOUN
ijosar-1126	513	4	,	,	PUNCT
ijosar-1126	513	5	and	and	CCONJ
ijosar-1126	513	6	poverty	poverty	NOUN
ijosar-1126	513	7	:	:	PUNCT
ijosar-1126	513	8	cross	cross	ADJ
ijosar-1126	513	9	-	-	ADJ
ijosar-1126	513	10	country	country	ADJ
ijosar-1126	513	11	evidence	evidence	NOUN
ijosar-1126	513	12	.	.	PUNCT
ijosar-1126	514	1	journal	journal	NOUN
ijosar-1126	514	2	of	of	ADP
ijosar-1126	514	3	economic	economic	ADJ
ijosar-1126	514	4	growth	growth	NOUN
ijosar-1126	514	5	,	,	PUNCT
ijosar-1126	514	6	10(3	10(3	NUM
ijosar-1126	514	7	)	)	PUNCT
ijosar-1126	514	8	,	,	PUNCT
ijosar-1126	514	9	199–229	199–229	NUM
ijosar-1126	514	10	.	.	PUNCT
ijosar-1126	515	1	https://doi.org/10.1007/s10887-005-3533-5	https://doi.org/10.1007/s10887-005-3533-5	PROPN
ijosar-1126	515	2	beck	beck	PROPN
ijosar-1126	515	3	,	,	PUNCT
ijosar-1126	515	4	t.	t.	PROPN
ijosar-1126	515	5	,	,	PUNCT
ijosar-1126	515	6	pamuk	pamuk	PROPN
ijosar-1126	515	7	,	,	PUNCT
ijosar-1126	515	8	h.	h.	PROPN
ijosar-1126	515	9	,	,	PUNCT
ijosar-1126	515	10	&	&	CCONJ
ijosar-1126	515	11	adegbite	adegbite	PROPN
ijosar-1126	515	12	,	,	PUNCT
ijosar-1126	515	13	a.	a.	NOUN
ijosar-1126	515	14	(	(	PUNCT
ijosar-1126	515	15	2023	2023	NUM
ijosar-1126	515	16	)	)	PUNCT
ijosar-1126	515	17	.	.	PUNCT
ijosar-1126	516	1	digital	digital	ADJ
ijosar-1126	516	2	financial	financial	ADJ
ijosar-1126	516	3	services	service	NOUN
ijosar-1126	516	4	and	and	CCONJ
ijosar-1126	516	5	sme	sme	NOUN
ijosar-1126	516	6	finance	finance	PROPN
ijosar-1126	516	7	in	in	ADP
ijosar-1126	516	8	africa	africa	PROPN
ijosar-1126	516	9	:	:	PUNCT
ijosar-1126	516	10	evidence	evidence	NOUN
ijosar-1126	516	11	and	and	CCONJ
ijosar-1126	516	12	future	future	ADJ
ijosar-1126	516	13	pathways	pathway	NOUN
ijosar-1126	516	14	.	.	PUNCT
ijosar-1126	517	1	journal	journal	NOUN
ijosar-1126	517	2	of	of	ADP
ijosar-1126	517	3	african	african	ADJ
ijosar-1126	517	4	financial	financial	ADJ
ijosar-1126	517	5	studies	study	NOUN
ijosar-1126	517	6	,	,	PUNCT
ijosar-1126	517	7	15(2	15(2	NUM
ijosar-1126	517	8	)	)	PUNCT
ijosar-1126	517	9	,	,	PUNCT
ijosar-1126	517	10	114–133	114–133	NUM
ijosar-1126	517	11	.	.	PUNCT
ijosar-1126	517	12	https://doi.org/10.1080/20421338.2023.2241469	https://doi.org/10.1080/20421338.2023.2241469	PROPN
ijosar-1126	518	1	bfa	bfa	PROPN
ijosar-1126	518	2	global	global	PROPN
ijosar-1126	518	3	.	.	PUNCT
ijosar-1126	519	1	(	(	PUNCT
ijosar-1126	519	2	2022	2022	NUM
ijosar-1126	519	3	)	)	PUNCT
ijosar-1126	519	4	.	.	PUNCT
ijosar-1126	520	1	the	the	DET
ijosar-1126	520	2	state	state	NOUN
ijosar-1126	520	3	of	of	ADP
ijosar-1126	520	4	fintech	fintech	NOUN
ijosar-1126	520	5	in	in	ADP
ijosar-1126	520	6	africa	africa	PROPN
ijosar-1126	520	7	.	.	PUNCT
ijosar-1126	521	1	bnr	bnr	PROPN
ijosar-1126	521	2	.	.	PUNCT
ijosar-1126	522	1	(	(	PUNCT
ijosar-1126	522	2	2023	2023	NUM
ijosar-1126	522	3	)	)	PUNCT
ijosar-1126	522	4	.	.	PUNCT
ijosar-1126	523	1	annual	annual	ADJ
ijosar-1126	523	2	financial	financial	ADJ
ijosar-1126	523	3	stability	stability	NOUN
ijosar-1126	523	4	report	report	NOUN
ijosar-1126	523	5	.	.	PUNCT
ijosar-1126	524	1	national	national	PROPN
ijosar-1126	524	2	bank	bank	PROPN
ijosar-1126	524	3	of	of	ADP
ijosar-1126	524	4	rwanda	rwanda	PROPN
ijosar-1126	524	5	.	.	PUNCT
ijosar-1126	525	1	ijo	ijo	PROPN
ijosar-1126	525	2	journals	journal	NOUN
ijosar-1126	525	3	volume	volume	NOUN
ijosar-1126	525	4	08	08	NUM
ijosar-1126	526	1	|	|	ADV
ijosar-1126	526	2	issue	issue	NOUN
ijosar-1126	526	3	08	08	NUM
ijosar-1126	527	1	|	|	ADV
ijosar-1126	527	2	august	august	PROPN
ijosar-1126	527	3	2025	2025	NUM
ijosar-1126	527	4	|	|	ADV
ijosar-1126	527	5	https://ijojournals.com/index.php/ssh/index	https://ijojournals.com/index.php/ssh/index	NOUN
ijosar-1126	527	6	109	109	NUM
ijosar-1126	527	7	https://blog.lendsqr.com/a-deep-overview-of-business-and-sme-loans-in-rwanda	https://blog.lendsqr.com/a-deep-overview-of-business-and-sme-loans-in-rwanda	NOUN
ijosar-1126	527	8	https://xelius.org/news/2025-03/exploring-rwandas-fintech-landscape?utm_source=chatgpt.com	https://xelius.org/news/2025-03/exploring-rwandas-fintech-landscape?utm_source=chatgpt.com	X
ijosar-1126	527	9	https://blog.lendsqr.com/a-deep-overview-of-business-and-sme-loans-in-rwanda/?utm_source=chatgpt.com	https://blog.lendsqr.com/a-deep-overview-of-business-and-sme-loans-in-rwanda/?utm_source=chatgpt.com	X
ijosar-1126	528	1	https://blog.lendsqr.com/a-deep-overview-of-consumer-credit-in-rwanda	https://blog.lendsqr.com/a-deep-overview-of-consumer-credit-in-rwanda	PROPN
ijosar-1126	528	2	https://blog.lendsqr.com/a-deep-overview-of-consumer-credit-in-rwanda/?utm_source=chatgpt.com	https://blog.lendsqr.com/a-deep-overview-of-consumer-credit-in-rwanda/?utm_source=chatgpt.com	X
ijosar-1126	528	3	https://www.centerforfinancialinclusion.org/trust-of-data-usage-sources-and-decisioning-perspectives-from-rwandan-mobile-money-users/?utm_source=chatgpt.com	https://www.centerforfinancialinclusion.org/trust-of-data-usage-sources-and-decisioning-perspectives-from-rwandan-mobile-money-users/?utm_source=chatgpt.com	X
ijosar-1126	528	4	https://doi.org/10.1108/jeee%e2%80%9109%e2%80%912023%e2%80%910379	https://doi.org/10.1108/jeee%e2%80%9109%e2%80%912023%e2%80%910379	ADJ
ijosar-1126	528	5	https://www.emerald.com/insight/content/doi/10.1108/jeee-09-2023-0379/full/html?utm_source=chatgpt.com	https://www.emerald.com/insight/content/doi/10.1108/jeee-09-2023-0379/full/html?utm_source=chatgpt.com	X
ijosar-1126	528	6	https://fosiarw.com/the-digital-payment-ecosystem-in-rwanda-2025-landscape/?utm_source=chatgpt.com	https://fosiarw.com/the-digital-payment-ecosystem-in-rwanda-2025-landscape/?utm_source=chatgpt.com	X
ijosar-1126	528	7	https://xelius.org/news/2025-03/exploring-rwandas-fintech-landscape?utm_source=chatgpt.com	https://xelius.org/news/2025-03/exploring-rwandas-fintech-landscape?utm_source=chatgpt.com	PROPN
ijosar-1126	528	8	https://afr.rw/downloads/rwanda-national-fintech-strategy-2024-2029/?utm_source=chatgpt.com	https://afr.rw/downloads/rwanda-national-fintech-strategy-2024-2029/?utm_source=chatgpt.com	X
ijosar-1126	529	1	ijointernational	ijointernational	ADJ
ijosar-1126	529	2	journal	journal	NOUN
ijosar-1126	529	3	of	of	ADP
ijosar-1126	529	4	social	social	ADJ
ijosar-1126	529	5	science	science	NOUN
ijosar-1126	529	6	and	and	CCONJ
ijosar-1126	529	7	humanities	humanity	NOUN
ijosar-1126	529	8	research	research	NOUN
ijosar-1126	529	9	(	(	PUNCT
ijosar-1126	529	10	issn	issn	PROPN
ijosar-1126	529	11	2811	2811	NUM
ijosar-1126	529	12	-	-	SYM
ijosar-1126	529	13	2466	2466	NUM
ijosar-1126	529	14	)	)	PUNCT
ijosar-1126	529	15	obiora	obiora	PROPN
ijosar-1126	529	16	peters	peters	PROPN
ijosar-1126	529	17	,	,	PUNCT
ijosar-1126	529	18	emeka	emeka	VERB
ijosar-1126	529	19	phd1	phd1	PROPN
ijosar-1126	529	20	*	*	PUNCT
ijosar-1126	529	21	https://ijojournals.com/	https://ijojournals.com/	PROPN
ijosar-1126	529	22	volume	volume	NOUN
ijosar-1126	529	23	08	08	NUM
ijosar-1126	530	1	||	||	PROPN
ijosar-1126	530	2	issue	issue	NOUN
ijosar-1126	530	3	08	08	NUM
ijosar-1126	530	4	||	||	NOUN
ijosar-1126	530	5	august	august	PROPN
ijosar-1126	530	6	,	,	PUNCT
ijosar-1126	530	7	2025	2025	NUM
ijosar-1126	530	8	||	||	PUNCT
ijosar-1126	531	1	“	"	PUNCT
ijosar-1126	531	2	the	the	DET
ijosar-1126	531	3	impact	impact	NOUN
ijosar-1126	531	4	of	of	ADP
ijosar-1126	531	5	financial	financial	ADJ
ijosar-1126	531	6	technology	technology	NOUN
ijosar-1126	531	7	on	on	ADP
ijosar-1126	531	8	the	the	DET
ijosar-1126	531	9	growth	growth	NOUN
ijosar-1126	531	10	of	of	ADP
ijosar-1126	531	11	smes	sme	NOUN
ijosar-1126	531	12	in	in	ADP
ijosar-1126	531	13	rwanda	rwanda	PROPN
ijosar-1126	531	14	(	(	PUNCT
ijosar-1126	531	15	2020	2020	NUM
ijosar-1126	531	16	-	-	SYM
ijosar-1126	531	17	2024	2024	NUM
ijosar-1126	531	18	)	)	PUNCT
ijosar-1126	531	19	"	"	PUNCT
ijosar-1126	531	20	bnr	bnr	PROPN
ijosar-1126	531	21	.	.	PUNCT
ijosar-1126	532	1	(	(	PUNCT
ijosar-1126	532	2	2023	2023	NUM
ijosar-1126	532	3	)	)	PUNCT
ijosar-1126	532	4	.	.	PUNCT
ijosar-1126	533	1	annual	annual	ADJ
ijosar-1126	533	2	report	report	NOUN
ijosar-1126	533	3	2022/2023	2022/2023	NUM
ijosar-1126	533	4	.	.	PUNCT
ijosar-1126	534	1	national	national	PROPN
ijosar-1126	534	2	bank	bank	PROPN
ijosar-1126	534	3	of	of	ADP
ijosar-1126	534	4	rwanda	rwanda	PROPN
ijosar-1126	534	5	.	.	PUNCT
ijosar-1126	535	1	böhmer	böhmer	PROPN
ijosar-1126	535	2	,	,	PUNCT
ijosar-1126	535	3	t.	t.	PROPN
ijosar-1126	535	4	,	,	PUNCT
ijosar-1126	535	5	&	&	CCONJ
ijosar-1126	535	6	wimmer	wimmer	PROPN
ijosar-1126	535	7	,	,	PUNCT
ijosar-1126	535	8	m.	m.	NOUN
ijosar-1126	535	9	(	(	PUNCT
ijosar-1126	535	10	2020	2020	NUM
ijosar-1126	535	11	)	)	PUNCT
ijosar-1126	535	12	.	.	PUNCT
ijosar-1126	536	1	measuring	measure	VERB
ijosar-1126	536	2	sme	sme	ADJ
ijosar-1126	536	3	growth	growth	NOUN
ijosar-1126	536	4	:	:	PUNCT
ijosar-1126	536	5	a	a	DET
ijosar-1126	536	6	focus	focus	NOUN
ijosar-1126	536	7	on	on	ADP
ijosar-1126	536	8	employment	employment	NOUN
ijosar-1126	536	9	and	and	CCONJ
ijosar-1126	536	10	productivity	productivity	NOUN
ijosar-1126	536	11	.	.	PUNCT
ijosar-1126	537	1	european	european	PROPN
ijosar-1126	537	2	commission	commission	PROPN
ijosar-1126	537	3	sme	sme	PROPN
ijosar-1126	537	4	insights	insight	NOUN
ijosar-1126	537	5	report	report	VERB
ijosar-1126	537	6	.	.	PUNCT
ijosar-1126	538	1	brüderl	brüderl	PROPN
ijosar-1126	538	2	,	,	PUNCT
ijosar-1126	538	3	j.	j.	PROPN
ijosar-1126	538	4	,	,	PUNCT
ijosar-1126	538	5	preisendörfer	preisendörfer	VERB
ijosar-1126	538	6	,	,	PUNCT
ijosar-1126	538	7	p.	p.	NOUN
ijosar-1126	538	8	,	,	PUNCT
ijosar-1126	538	9	&	&	CCONJ
ijosar-1126	538	10	ziegler	ziegler	PROPN
ijosar-1126	538	11	,	,	PUNCT
ijosar-1126	538	12	r.	r.	PROPN
ijosar-1126	538	13	(	(	PUNCT
ijosar-1126	538	14	1992	1992	NUM
ijosar-1126	538	15	)	)	PUNCT
ijosar-1126	538	16	.	.	PUNCT
ijosar-1126	539	1	survival	survival	NOUN
ijosar-1126	539	2	chances	chance	NOUN
ijosar-1126	539	3	of	of	ADP
ijosar-1126	539	4	newly	newly	ADV
ijosar-1126	539	5	founded	found	VERB
ijosar-1126	539	6	business	business	NOUN
ijosar-1126	539	7	organizations	organization	NOUN
ijosar-1126	539	8	.	.	PUNCT
ijosar-1126	540	1	american	american	ADJ
ijosar-1126	540	2	sociological	sociological	PROPN
ijosar-1126	540	3	review	review	PROPN
ijosar-1126	540	4	,	,	PUNCT
ijosar-1126	540	5	57(2	57(2	NUM
ijosar-1126	540	6	)	)	PUNCT
ijosar-1126	540	7	,	,	PUNCT
ijosar-1126	540	8	227	227	NUM
ijosar-1126	540	9	–	–	PUNCT
ijosar-1126	540	10	242	242	NUM
ijosar-1126	540	11	.	.	PUNCT
ijosar-1126	541	1	https://doi.org/10.2307/2096207	https://doi.org/10.2307/2096207	PROPN
ijosar-1126	541	2	coad	coad	PROPN
ijosar-1126	541	3	,	,	PUNCT
ijosar-1126	541	4	a.	a.	NOUN
ijosar-1126	541	5	,	,	PUNCT
ijosar-1126	541	6	frankish	frankish	PROPN
ijosar-1126	541	7	,	,	PUNCT
ijosar-1126	541	8	j.	j.	PROPN
ijosar-1126	541	9	s.	s.	PROPN
ijosar-1126	541	10	,	,	PUNCT
ijosar-1126	541	11	roberts	roberts	PROPN
ijosar-1126	541	12	,	,	PUNCT
ijosar-1126	541	13	r.	r.	PROPN
ijosar-1126	541	14	g.	g.	PROPN
ijosar-1126	541	15	,	,	PUNCT
ijosar-1126	541	16	&	&	CCONJ
ijosar-1126	541	17	storey	storey	PROPN
ijosar-1126	541	18	,	,	PUNCT
ijosar-1126	541	19	d.	d.	PROPN
ijosar-1126	541	20	j.	j.	PROPN
ijosar-1126	541	21	(	(	PUNCT
ijosar-1126	541	22	2013	2013	NUM
ijosar-1126	541	23	)	)	PUNCT
ijosar-1126	541	24	.	.	PUNCT
ijosar-1126	542	1	growth	growth	NOUN
ijosar-1126	542	2	paths	path	NOUN
ijosar-1126	542	3	and	and	CCONJ
ijosar-1126	542	4	survival	survival	NOUN
ijosar-1126	542	5	chances	chance	NOUN
ijosar-1126	542	6	:	:	PUNCT
ijosar-1126	542	7	an	an	DET
ijosar-1126	542	8	application	application	NOUN
ijosar-1126	542	9	of	of	ADP
ijosar-1126	542	10	gambler	gambler	NOUN
ijosar-1126	542	11	’s	’s	PART
ijosar-1126	542	12	ruin	ruin	PROPN
ijosar-1126	542	13	theory	theory	PROPN
ijosar-1126	542	14	.	.	PUNCT
ijosar-1126	543	1	journal	journal	PROPN
ijosar-1126	543	2	of	of	ADP
ijosar-1126	543	3	business	business	NOUN
ijosar-1126	543	4	venturing	venturing	NOUN
ijosar-1126	543	5	,	,	PUNCT
ijosar-1126	543	6	28(5	28(5	NUM
ijosar-1126	543	7	)	)	PUNCT
ijosar-1126	543	8	,	,	PUNCT
ijosar-1126	543	9	615–632	615–632	NUM
ijosar-1126	543	10	.	.	PUNCT
ijosar-1126	543	11	https://doi.org/10.1016/j.jbusvent.2012.06.002	https://doi.org/10.1016/j.jbusvent.2012.06.002	PROPN
ijosar-1126	543	12	davidsson	davidsson	PROPN
ijosar-1126	543	13	,	,	PUNCT
ijosar-1126	543	14	p.	p.	PROPN
ijosar-1126	543	15	,	,	PUNCT
ijosar-1126	543	16	steffens	steffens	PROPN
ijosar-1126	543	17	,	,	PUNCT
ijosar-1126	543	18	p.	p.	NOUN
ijosar-1126	543	19	,	,	PUNCT
ijosar-1126	543	20	&	&	CCONJ
ijosar-1126	543	21	fitzsimmons	fitzsimmon	NOUN
ijosar-1126	543	22	,	,	PUNCT
ijosar-1126	543	23	j.	j.	PROPN
ijosar-1126	543	24	(	(	PUNCT
ijosar-1126	543	25	2009	2009	NUM
ijosar-1126	543	26	)	)	PUNCT
ijosar-1126	543	27	.	.	PUNCT
ijosar-1126	544	1	growing	grow	VERB
ijosar-1126	544	2	profitable	profitable	ADJ
ijosar-1126	544	3	or	or	CCONJ
ijosar-1126	544	4	growing	grow	VERB
ijosar-1126	544	5	from	from	ADP
ijosar-1126	544	6	profits	profit	NOUN
ijosar-1126	544	7	:	:	PUNCT
ijosar-1126	544	8	putting	put	VERB
ijosar-1126	544	9	the	the	DET
ijosar-1126	544	10	horse	horse	NOUN
ijosar-1126	544	11	in	in	ADP
ijosar-1126	544	12	front	front	NOUN
ijosar-1126	544	13	of	of	ADP
ijosar-1126	544	14	the	the	DET
ijosar-1126	544	15	cart	cart	NOUN
ijosar-1126	544	16	?	?	PUNCT
ijosar-1126	545	1	journal	journal	NOUN
ijosar-1126	545	2	of	of	ADP
ijosar-1126	545	3	business	business	NOUN
ijosar-1126	545	4	venturing	venturing	NOUN
ijosar-1126	545	5	,	,	PUNCT
ijosar-1126	545	6	24(4	24(4	NUM
ijosar-1126	545	7	)	)	PUNCT
ijosar-1126	545	8	,	,	PUNCT
ijosar-1126	545	9	388–406	388–406	NUM
ijosar-1126	545	10	.	.	PUNCT
ijosar-1126	546	1	https://doi.org/10.1016/j.jbusvent.2008.04.003	https://doi.org/10.1016/j.jbusvent.2008.04.003	VERB
ijosar-1126	546	2	davis	davis	PROPN
ijosar-1126	546	3	,	,	PUNCT
ijosar-1126	546	4	f.	f.	PROPN
ijosar-1126	546	5	d.	d.	PROPN
ijosar-1126	546	6	(	(	PUNCT
ijosar-1126	546	7	1989	1989	NUM
ijosar-1126	546	8	)	)	PUNCT
ijosar-1126	546	9	.	.	PUNCT
ijosar-1126	547	1	perceived	perceive	VERB
ijosar-1126	547	2	usefulness	usefulness	NOUN
ijosar-1126	547	3	,	,	PUNCT
ijosar-1126	547	4	perceived	perceive	VERB
ijosar-1126	547	5	ease	ease	NOUN
ijosar-1126	547	6	of	of	ADP
ijosar-1126	547	7	use	use	NOUN
ijosar-1126	547	8	,	,	PUNCT
ijosar-1126	547	9	and	and	CCONJ
ijosar-1126	547	10	user	user	NOUN
ijosar-1126	547	11	acceptance	acceptance	NOUN
ijosar-1126	547	12	of	of	ADP
ijosar-1126	547	13	information	information	NOUN
ijosar-1126	547	14	technology	technology	NOUN
ijosar-1126	547	15	.	.	PUNCT
ijosar-1126	548	1	mis	mis	PROPN
ijosar-1126	548	2	quarterly	quarterly	PROPN
ijosar-1126	548	3	,	,	PUNCT
ijosar-1126	548	4	13(3	13(3	NUM
ijosar-1126	548	5	)	)	PUNCT
ijosar-1126	548	6	,	,	PUNCT
ijosar-1126	548	7	319–340	319–340	NUM
ijosar-1126	548	8	.	.	PUNCT
ijosar-1126	549	1	https://doi.org/10.2307/249008	https://doi.org/10.2307/249008	NOUN
ijosar-1126	549	2	demirgüç	demirgüç	NOUN
ijosar-1126	549	3	-	-	PUNCT
ijosar-1126	549	4	kunt	kunt	PROPN
ijosar-1126	549	5	,	,	PUNCT
ijosar-1126	549	6	a.	a.	PROPN
ijosar-1126	549	7	,	,	PUNCT
ijosar-1126	549	8	klapper	klapper	PROPN
ijosar-1126	549	9	,	,	PUNCT
ijosar-1126	549	10	l.	l.	PROPN
ijosar-1126	549	11	,	,	PUNCT
ijosar-1126	549	12	&	&	CCONJ
ijosar-1126	549	13	singer	singer	PROPN
ijosar-1126	549	14	,	,	PUNCT
ijosar-1126	549	15	d.	d.	PROPN
ijosar-1126	549	16	(	(	PUNCT
ijosar-1126	549	17	2023	2023	NUM
ijosar-1126	549	18	)	)	PUNCT
ijosar-1126	549	19	.	.	PUNCT
ijosar-1126	550	1	the	the	DET
ijosar-1126	550	2	global	global	ADJ
ijosar-1126	550	3	findex	findex	PROPN
ijosar-1126	550	4	database	database	NOUN
ijosar-1126	550	5	2023	2023	NUM
ijosar-1126	550	6	:	:	PUNCT
ijosar-1126	550	7	financial	financial	ADJ
ijosar-1126	550	8	inclusion	inclusion	NOUN
ijosar-1126	550	9	,	,	PUNCT
ijosar-1126	550	10	digital	digital	ADJ
ijosar-1126	550	11	payments	payment	NOUN
ijosar-1126	550	12	,	,	PUNCT
ijosar-1126	550	13	and	and	CCONJ
ijosar-1126	550	14	resilience	resilience	NOUN
ijosar-1126	550	15	in	in	ADP
ijosar-1126	550	16	the	the	DET
ijosar-1126	550	17	post	post	ADJ
ijosar-1126	550	18	pandemic	pandemic	ADJ
ijosar-1126	550	19	era	era	NOUN
ijosar-1126	550	20	.	.	PUNCT
ijosar-1126	551	1	world	world	PROPN
ijosar-1126	551	2	bank	bank	PROPN
ijosar-1126	551	3	group	group	NOUN
ijosar-1126	551	4	.	.	PUNCT
ijosar-1126	552	1	https://www.worldbank.org/en/publication/globalfindex	https://www.worldbank.org/en/publication/globalfindex	NOUN
ijosar-1126	552	2	demirgüç	demirgüç	PROPN
ijosar-1126	552	3	-	-	PUNCT
ijosar-1126	552	4	kunt	kunt	PROPN
ijosar-1126	552	5	,	,	PUNCT
ijosar-1126	552	6	a.	a.	PROPN
ijosar-1126	552	7	,	,	PUNCT
ijosar-1126	552	8	klapper	klapper	PROPN
ijosar-1126	552	9	,	,	PUNCT
ijosar-1126	552	10	l.	l.	PROPN
ijosar-1126	552	11	,	,	PUNCT
ijosar-1126	552	12	&	&	CCONJ
ijosar-1126	552	13	singer	singer	PROPN
ijosar-1126	552	14	,	,	PUNCT
ijosar-1126	552	15	d.	d.	PROPN
ijosar-1126	552	16	(	(	PUNCT
ijosar-1126	552	17	2023	2023	NUM
ijosar-1126	552	18	)	)	PUNCT
ijosar-1126	552	19	.	.	PUNCT
ijosar-1126	553	1	the	the	DET
ijosar-1126	553	2	global	global	ADJ
ijosar-1126	553	3	findex	findex	PROPN
ijosar-1126	553	4	database	database	NOUN
ijosar-1126	553	5	2023	2023	NUM
ijosar-1126	553	6	:	:	PUNCT
ijosar-1126	553	7	financial	financial	ADJ
ijosar-1126	553	8	inclusion	inclusion	NOUN
ijosar-1126	553	9	,	,	PUNCT
ijosar-1126	553	10	digital	digital	ADJ
ijosar-1126	553	11	payments	payment	NOUN
ijosar-1126	553	12	,	,	PUNCT
ijosar-1126	553	13	and	and	CCONJ
ijosar-1126	553	14	resilience	resilience	NOUN
ijosar-1126	553	15	.	.	PUNCT
ijosar-1126	554	1	world	world	PROPN
ijosar-1126	554	2	bank	bank	PROPN
ijosar-1126	554	3	.	.	PUNCT
ijosar-1126	555	1	https://www.worldbank.org/en/publication/globalfindex	https://www.worldbank.org/en/publication/globalfindex	PROPN
ijosar-1126	555	2	fsd	fsd	PROPN
ijosar-1126	555	3	kenya	kenya	PROPN
ijosar-1126	555	4	.	.	PUNCT
ijosar-1126	556	1	(	(	PUNCT
ijosar-1126	556	2	2021	2021	NUM
ijosar-1126	556	3	)	)	PUNCT
ijosar-1126	556	4	.	.	PUNCT
ijosar-1126	557	1	digital	digital	ADJ
ijosar-1126	557	2	finance	finance	NOUN
ijosar-1126	557	3	for	for	ADP
ijosar-1126	557	4	smes	sme	NOUN
ijosar-1126	557	5	in	in	ADP
ijosar-1126	557	6	kenya	kenya	PROPN
ijosar-1126	557	7	:	:	PUNCT
ijosar-1126	557	8	market	market	NOUN
ijosar-1126	557	9	insights	insight	NOUN
ijosar-1126	557	10	.	.	PUNCT
ijosar-1126	558	1	financial	financial	ADJ
ijosar-1126	558	2	sector	sector	NOUN
ijosar-1126	558	3	deepening	deepen	VERB
ijosar-1126	558	4	kenya	kenya	PROPN
ijosar-1126	558	5	.	.	PUNCT
ijosar-1126	559	1	gatera	gatera	PROPN
ijosar-1126	559	2	,	,	PUNCT
ijosar-1126	559	3	d.	d.	PROPN
ijosar-1126	559	4	(	(	PUNCT
ijosar-1126	559	5	2023	2023	NUM
ijosar-1126	559	6	)	)	PUNCT
ijosar-1126	559	7	.	.	PUNCT
ijosar-1126	560	1	cybersecurity	cybersecurity	NOUN
ijosar-1126	560	2	in	in	ADP
ijosar-1126	560	3	rwanda	rwanda	PROPN
ijosar-1126	560	4	’s	’s	PART
ijosar-1126	560	5	fintech	fintech	NOUN
ijosar-1126	560	6	sector	sector	NOUN
ijosar-1126	560	7	:	:	PUNCT
ijosar-1126	560	8	risks	risk	NOUN
ijosar-1126	560	9	and	and	CCONJ
ijosar-1126	560	10	resilience	resilience	NOUN
ijosar-1126	560	11	for	for	ADP
ijosar-1126	560	12	smes	sme	NOUN
ijosar-1126	560	13	.	.	PUNCT
ijosar-1126	561	1	journal	journal	PROPN
ijosar-1126	561	2	of	of	ADP
ijosar-1126	561	3	african	african	ADJ
ijosar-1126	561	4	digital	digital	ADJ
ijosar-1126	561	5	finance	finance	NOUN
ijosar-1126	561	6	,	,	PUNCT
ijosar-1126	561	7	7(1	7(1	NUM
ijosar-1126	561	8	)	)	PUNCT
ijosar-1126	561	9	,	,	PUNCT
ijosar-1126	561	10	66–82	66–82	NUM
ijosar-1126	561	11	.	.	PUNCT
ijosar-1126	561	12	gsma	gsma	NOUN
ijosar-1126	561	13	.	.	PUNCT
ijosar-1126	562	1	(	(	PUNCT
ijosar-1126	562	2	2023	2023	NUM
ijosar-1126	562	3	)	)	PUNCT
ijosar-1126	562	4	.	.	PUNCT
ijosar-1126	563	1	state	state	NOUN
ijosar-1126	563	2	of	of	ADP
ijosar-1126	563	3	the	the	DET
ijosar-1126	563	4	industry	industry	NOUN
ijosar-1126	563	5	report	report	NOUN
ijosar-1126	563	6	on	on	ADP
ijosar-1126	563	7	mobile	mobile	ADJ
ijosar-1126	563	8	money	money	NOUN
ijosar-1126	563	9	2023	2023	NUM
ijosar-1126	563	10	.	.	PUNCT
ijosar-1126	564	1	gsma	gsma	NOUN
ijosar-1126	564	2	mobile	mobile	PROPN
ijosar-1126	564	3	for	for	ADP
ijosar-1126	564	4	development	development	NOUN
ijosar-1126	564	5	.	.	PUNCT
ijosar-1126	565	1	https://www.gsma.com	https://www.gsma.com	X
ijosar-1126	565	2	gsma	gsma	NOUN
ijosar-1126	565	3	.	.	PUNCT
ijosar-1126	566	1	(	(	PUNCT
ijosar-1126	566	2	2023	2023	NUM
ijosar-1126	566	3	)	)	PUNCT
ijosar-1126	566	4	.	.	PUNCT
ijosar-1126	567	1	state	state	NOUN
ijosar-1126	567	2	of	of	ADP
ijosar-1126	567	3	the	the	DET
ijosar-1126	567	4	industry	industry	NOUN
ijosar-1126	567	5	report	report	NOUN
ijosar-1126	567	6	on	on	ADP
ijosar-1126	567	7	mobile	mobile	ADJ
ijosar-1126	567	8	money	money	NOUN
ijosar-1126	567	9	2023	2023	NUM
ijosar-1126	567	10	.	.	PUNCT
ijosar-1126	568	1	gsma	gsma	NOUN
ijosar-1126	568	2	.	.	PUNCT
ijosar-1126	569	1	(	(	PUNCT
ijosar-1126	569	2	2024	2024	NUM
ijosar-1126	569	3	)	)	PUNCT
ijosar-1126	569	4	.	.	PUNCT
ijosar-1126	570	1	mobile	mobile	ADJ
ijosar-1126	570	2	money	money	NOUN
ijosar-1126	570	3	state	state	NOUN
ijosar-1126	570	4	of	of	ADP
ijosar-1126	570	5	the	the	DET
ijosar-1126	570	6	industry	industry	NOUN
ijosar-1126	570	7	report	report	NOUN
ijosar-1126	570	8	.	.	PUNCT
ijosar-1126	571	1	gsm	gsm	PROPN
ijosar-1126	571	2	association	association	PROPN
ijosar-1126	571	3	.	.	PUNCT
ijosar-1126	572	1	gsma	gsma	PROPN
ijosar-1126	572	2	.	.	PUNCT
ijosar-1126	573	1	(	(	PUNCT
ijosar-1126	573	2	2024	2024	NUM
ijosar-1126	573	3	)	)	PUNCT
ijosar-1126	573	4	.	.	PUNCT
ijosar-1126	574	1	state	state	NOUN
ijosar-1126	574	2	of	of	ADP
ijosar-1126	574	3	the	the	DET
ijosar-1126	574	4	industry	industry	NOUN
ijosar-1126	574	5	report	report	NOUN
ijosar-1126	574	6	on	on	ADP
ijosar-1126	574	7	mobile	mobile	ADJ
ijosar-1126	574	8	money	money	NOUN
ijosar-1126	574	9	2024	2024	NUM
ijosar-1126	574	10	.	.	PUNCT
ijosar-1126	575	1	gsma	gsma	NOUN
ijosar-1126	575	2	mobile	mobile	PROPN
ijosar-1126	575	3	for	for	ADP
ijosar-1126	575	4	development	development	NOUN
ijosar-1126	575	5	.	.	PUNCT
ijosar-1126	576	1	https://www.gsma.com	https://www.gsma.com	X
ijosar-1126	576	2	gsma	gsma	NOUN
ijosar-1126	576	3	.	.	PUNCT
ijosar-1126	577	1	(	(	PUNCT
ijosar-1126	577	2	2024	2024	NUM
ijosar-1126	577	3	)	)	PUNCT
ijosar-1126	577	4	.	.	PUNCT
ijosar-1126	578	1	state	state	NOUN
ijosar-1126	578	2	of	of	ADP
ijosar-1126	578	3	the	the	DET
ijosar-1126	578	4	industry	industry	NOUN
ijosar-1126	578	5	report	report	NOUN
ijosar-1126	578	6	on	on	ADP
ijosar-1126	578	7	mobile	mobile	ADJ
ijosar-1126	578	8	money	money	NOUN
ijosar-1126	578	9	2024	2024	NUM
ijosar-1126	578	10	.	.	PUNCT
ijosar-1126	579	1	gsma	gsma	NOUN
ijosar-1126	579	2	mobile	mobile	PROPN
ijosar-1126	579	3	for	for	ADP
ijosar-1126	579	4	development	development	NOUN
ijosar-1126	579	5	.	.	PUNCT
ijosar-1126	580	1	https://www.gsma.com	https://www.gsma.com	X
ijosar-1126	581	1	habiyaremye	habiyaremye	PROPN
ijosar-1126	581	2	,	,	PUNCT
ijosar-1126	581	3	j.	j.	PROPN
ijosar-1126	581	4	(	(	PUNCT
ijosar-1126	581	5	2024	2024	NUM
ijosar-1126	581	6	)	)	PUNCT
ijosar-1126	581	7	.	.	PUNCT
ijosar-1126	582	1	digital	digital	ADJ
ijosar-1126	582	2	wallets	wallet	NOUN
ijosar-1126	582	3	and	and	CCONJ
ijosar-1126	582	4	sme	sme	NOUN
ijosar-1126	582	5	liquidity	liquidity	NOUN
ijosar-1126	582	6	management	management	NOUN
ijosar-1126	582	7	in	in	ADP
ijosar-1126	582	8	rwanda	rwanda	PROPN
ijosar-1126	582	9	.	.	PUNCT
ijosar-1126	583	1	east	east	ADJ
ijosar-1126	583	2	african	african	PROPN
ijosar-1126	583	3	journal	journal	PROPN
ijosar-1126	583	4	of	of	ADP
ijosar-1126	583	5	finance	finance	NOUN
ijosar-1126	583	6	and	and	CCONJ
ijosar-1126	583	7	economics	economic	NOUN
ijosar-1126	583	8	,	,	PUNCT
ijosar-1126	583	9	10(2	10(2	NUM
ijosar-1126	583	10	)	)	PUNCT
ijosar-1126	583	11	,	,	PUNCT
ijosar-1126	583	12	102–118	102–118	NUM
ijosar-1126	583	13	.	.	PUNCT
ijosar-1126	584	1	ifc	ifc	NOUN
ijosar-1126	584	2	.	.	PUNCT
ijosar-1126	585	1	(	(	PUNCT
ijosar-1126	585	2	2020	2020	NUM
ijosar-1126	585	3	)	)	PUNCT
ijosar-1126	585	4	.	.	PUNCT
ijosar-1126	586	1	msme	msme	NOUN
ijosar-1126	586	2	finance	finance	NOUN
ijosar-1126	586	3	gap	gap	NOUN
ijosar-1126	586	4	:	:	PUNCT
ijosar-1126	586	5	assessment	assessment	NOUN
ijosar-1126	586	6	of	of	ADP
ijosar-1126	586	7	the	the	DET
ijosar-1126	586	8	shortfalls	shortfall	NOUN
ijosar-1126	586	9	and	and	CCONJ
ijosar-1126	586	10	opportunities	opportunity	NOUN
ijosar-1126	586	11	in	in	ADP
ijosar-1126	586	12	financing	financing	NOUN
ijosar-1126	586	13	micro	micro	NOUN
ijosar-1126	586	14	,	,	PUNCT
ijosar-1126	586	15	small	small	ADJ
ijosar-1126	586	16	and	and	CCONJ
ijosar-1126	586	17	medium	medium	ADJ
ijosar-1126	586	18	enterprises	enterprise	NOUN
ijosar-1126	586	19	in	in	ADP
ijosar-1126	586	20	emerging	emerge	VERB
ijosar-1126	586	21	markets	market	NOUN
ijosar-1126	586	22	.	.	PUNCT
ijosar-1126	587	1	ifc	ifc	NOUN
ijosar-1126	587	2	.	.	PUNCT
ijosar-1126	588	1	(	(	PUNCT
ijosar-1126	588	2	2023	2023	NUM
ijosar-1126	588	3	)	)	PUNCT
ijosar-1126	588	4	.	.	PUNCT
ijosar-1126	589	1	msme	msme	NOUN
ijosar-1126	589	2	finance	finance	NOUN
ijosar-1126	589	3	gap	gap	NOUN
ijosar-1126	589	4	report	report	NOUN
ijosar-1126	589	5	:	:	PUNCT
ijosar-1126	589	6	sub	sub	ADJ
ijosar-1126	589	7	-	-	ADJ
ijosar-1126	589	8	saharan	saharan	ADJ
ijosar-1126	589	9	africa	africa	PROPN
ijosar-1126	589	10	.	.	PUNCT
ijosar-1126	590	1	international	international	ADJ
ijosar-1126	590	2	finance	finance	NOUN
ijosar-1126	590	3	corporation	corporation	NOUN
ijosar-1126	590	4	.	.	PUNCT
ijosar-1126	591	1	ijo	ijo	PROPN
ijosar-1126	591	2	journals	journal	NOUN
ijosar-1126	591	3	volume	volume	NOUN
ijosar-1126	591	4	08	08	NUM
ijosar-1126	592	1	|	|	ADV
ijosar-1126	592	2	issue	issue	NOUN
ijosar-1126	592	3	08	08	NUM
ijosar-1126	593	1	|	|	ADV
ijosar-1126	593	2	august	august	PROPN
ijosar-1126	593	3	2025	2025	NUM
ijosar-1126	593	4	|	|	ADV
ijosar-1126	593	5	https://ijojournals.com/index.php/ssh/index	https://ijojournals.com/index.php/ssh/index	NOUN
ijosar-1126	593	6	110	110	NUM
ijosar-1126	593	7	https://www.worldbank.org/en/publication/globalfindex	https://www.worldbank.org/en/publication/globalfindex	NOUN
ijosar-1126	593	8	https://www.worldbank.org/en/publication/globalfindex	https://www.worldbank.org/en/publication/globalfindex	PROPN
ijosar-1126	593	9	https://www.gsma.com/	https://www.gsma.com/	PROPN
ijosar-1126	593	10	https://www.gsma.com/	https://www.gsma.com/	PROPN
ijosar-1126	593	11	ijointernational	ijointernational	PROPN
ijosar-1126	593	12	journal	journal	NOUN
ijosar-1126	593	13	of	of	ADP
ijosar-1126	593	14	social	social	ADJ
ijosar-1126	593	15	science	science	NOUN
ijosar-1126	593	16	and	and	CCONJ
ijosar-1126	593	17	humanities	humanity	NOUN
ijosar-1126	593	18	research	research	NOUN
ijosar-1126	593	19	(	(	PUNCT
ijosar-1126	593	20	issn	issn	PROPN
ijosar-1126	593	21	2811	2811	NUM
ijosar-1126	593	22	-	-	SYM
ijosar-1126	593	23	2466	2466	NUM
ijosar-1126	593	24	)	)	PUNCT
ijosar-1126	593	25	obiora	obiora	PROPN
ijosar-1126	593	26	peters	peters	PROPN
ijosar-1126	593	27	,	,	PUNCT
ijosar-1126	593	28	emeka	emeka	VERB
ijosar-1126	593	29	phd1	phd1	PROPN
ijosar-1126	593	30	*	*	PUNCT
ijosar-1126	593	31	https://ijojournals.com/	https://ijojournals.com/	PROPN
ijosar-1126	593	32	volume	volume	NOUN
ijosar-1126	593	33	08	08	NUM
ijosar-1126	594	1	||	||	PROPN
ijosar-1126	594	2	issue	issue	NOUN
ijosar-1126	594	3	08	08	NUM
ijosar-1126	594	4	||	||	NOUN
ijosar-1126	594	5	august	august	PROPN
ijosar-1126	594	6	,	,	PUNCT
ijosar-1126	594	7	2025	2025	NUM
ijosar-1126	594	8	||	||	PUNCT
ijosar-1126	595	1	“	"	PUNCT
ijosar-1126	595	2	the	the	DET
ijosar-1126	595	3	impact	impact	NOUN
ijosar-1126	595	4	of	of	ADP
ijosar-1126	595	5	financial	financial	ADJ
ijosar-1126	595	6	technology	technology	NOUN
ijosar-1126	595	7	on	on	ADP
ijosar-1126	595	8	the	the	DET
ijosar-1126	595	9	growth	growth	NOUN
ijosar-1126	595	10	of	of	ADP
ijosar-1126	595	11	smes	sme	NOUN
ijosar-1126	595	12	in	in	ADP
ijosar-1126	595	13	rwanda	rwanda	PROPN
ijosar-1126	595	14	(	(	PUNCT
ijosar-1126	595	15	2020	2020	NUM
ijosar-1126	595	16	-	-	SYM
ijosar-1126	595	17	2024	2024	NUM
ijosar-1126	595	18	)	)	PUNCT
ijosar-1126	595	19	"	"	PUNCT
ijosar-1126	595	20	ilo	ilo	PROPN
ijosar-1126	595	21	.	.	PUNCT
ijosar-1126	596	1	(	(	PUNCT
ijosar-1126	596	2	2020	2020	NUM
ijosar-1126	596	3	)	)	PUNCT
ijosar-1126	596	4	.	.	PUNCT
ijosar-1126	597	1	decent	decent	ADJ
ijosar-1126	597	2	work	work	NOUN
ijosar-1126	597	3	in	in	ADP
ijosar-1126	597	4	smes	sme	NOUN
ijosar-1126	597	5	:	:	PUNCT
ijosar-1126	597	6	employment	employment	NOUN
ijosar-1126	597	7	and	and	CCONJ
ijosar-1126	597	8	working	working	NOUN
ijosar-1126	597	9	conditions	condition	NOUN
ijosar-1126	597	10	.	.	PUNCT
ijosar-1126	598	1	international	international	ADJ
ijosar-1126	598	2	labour	labour	PROPN
ijosar-1126	598	3	organization	organization	NOUN
ijosar-1126	598	4	.	.	PUNCT
ijosar-1126	599	1	international	international	ADJ
ijosar-1126	599	2	finance	finance	NOUN
ijosar-1126	599	3	corporation	corporation	NOUN
ijosar-1126	599	4	.	.	PUNCT
ijosar-1126	600	1	(	(	PUNCT
ijosar-1126	600	2	2023	2023	NUM
ijosar-1126	600	3	)	)	PUNCT
ijosar-1126	600	4	.	.	PUNCT
ijosar-1126	601	1	financing	finance	VERB
ijosar-1126	601	2	smes	sme	NOUN
ijosar-1126	601	3	in	in	ADP
ijosar-1126	601	4	emerging	emerge	VERB
ijosar-1126	601	5	markets	market	NOUN
ijosar-1126	601	6	.	.	PUNCT
ijosar-1126	602	1	https://www.ifc.org	https://www.ifc.org	PROPN
ijosar-1126	602	2	jack	jack	PROPN
ijosar-1126	602	3	,	,	PUNCT
ijosar-1126	602	4	w.	w.	PROPN
ijosar-1126	602	5	,	,	PUNCT
ijosar-1126	602	6	&	&	CCONJ
ijosar-1126	602	7	suri	suri	PROPN
ijosar-1126	602	8	,	,	PUNCT
ijosar-1126	602	9	t.	t.	PROPN
ijosar-1126	602	10	(	(	PUNCT
ijosar-1126	602	11	2024	2024	NUM
ijosar-1126	602	12	)	)	PUNCT
ijosar-1126	602	13	.	.	PUNCT
ijosar-1126	603	1	digital	digital	ADJ
ijosar-1126	603	2	financial	financial	ADJ
ijosar-1126	603	3	services	service	NOUN
ijosar-1126	603	4	and	and	CCONJ
ijosar-1126	603	5	economic	economic	ADJ
ijosar-1126	603	6	development	development	NOUN
ijosar-1126	603	7	:	:	PUNCT
ijosar-1126	603	8	a	a	DET
ijosar-1126	603	9	decade	decade	NOUN
ijosar-1126	603	10	of	of	ADP
ijosar-1126	603	11	evidence	evidence	NOUN
ijosar-1126	603	12	from	from	ADP
ijosar-1126	603	13	mobile	mobile	ADJ
ijosar-1126	603	14	money	money	NOUN
ijosar-1126	603	15	.	.	PUNCT
ijosar-1126	604	1	journal	journal	PROPN
ijosar-1126	604	2	of	of	ADP
ijosar-1126	604	3	development	development	NOUN
ijosar-1126	604	4	economics	economic	NOUN
ijosar-1126	604	5	,	,	PUNCT
ijosar-1126	604	6	165	165	NUM
ijosar-1126	604	7	,	,	PUNCT
ijosar-1126	604	8	102911	102911	NUM
ijosar-1126	604	9	.	.	PUNCT
ijosar-1126	605	1	https://doi.org/10.1016/j.jdeveco.2023.102911	https://doi.org/10.1016/j.jdeveco.2023.102911	PROPN
ijosar-1126	605	2	julien	julien	PROPN
ijosar-1126	605	3	,	,	PUNCT
ijosar-1126	605	4	p.	p.	NOUN
ijosar-1126	605	5	a.	a.	NOUN
ijosar-1126	605	6	(	(	PUNCT
ijosar-1126	605	7	1993	1993	NUM
ijosar-1126	605	8	)	)	PUNCT
ijosar-1126	605	9	.	.	PUNCT
ijosar-1126	606	1	small	small	ADJ
ijosar-1126	606	2	businesses	business	NOUN
ijosar-1126	606	3	as	as	ADP
ijosar-1126	606	4	a	a	DET
ijosar-1126	606	5	research	research	NOUN
ijosar-1126	606	6	subject	subject	NOUN
ijosar-1126	606	7	:	:	PUNCT
ijosar-1126	606	8	some	some	DET
ijosar-1126	606	9	reflections	reflection	NOUN
ijosar-1126	606	10	on	on	ADP
ijosar-1126	606	11	knowledge	knowledge	NOUN
ijosar-1126	606	12	of	of	ADP
ijosar-1126	606	13	small	small	ADJ
ijosar-1126	606	14	businesses	business	NOUN
ijosar-1126	606	15	and	and	CCONJ
ijosar-1126	606	16	its	its	PRON
ijosar-1126	606	17	effects	effect	NOUN
ijosar-1126	606	18	on	on	ADP
ijosar-1126	606	19	economic	economic	ADJ
ijosar-1126	606	20	theory	theory	NOUN
ijosar-1126	606	21	.	.	PUNCT
ijosar-1126	607	1	small	small	ADJ
ijosar-1126	607	2	business	business	NOUN
ijosar-1126	607	3	economics	economic	NOUN
ijosar-1126	607	4	,	,	PUNCT
ijosar-1126	607	5	5(2	5(2	NUM
ijosar-1126	607	6	)	)	PUNCT
ijosar-1126	607	7	,	,	PUNCT
ijosar-1126	607	8	157–166	157–166	NUM
ijosar-1126	607	9	.	.	PUNCT
ijosar-1126	607	10	kotler	kotler	NOUN
ijosar-1126	607	11	,	,	PUNCT
ijosar-1126	607	12	p.	p.	PROPN
ijosar-1126	607	13	,	,	PUNCT
ijosar-1126	607	14	&	&	CCONJ
ijosar-1126	607	15	keller	keller	PROPN
ijosar-1126	607	16	,	,	PUNCT
ijosar-1126	607	17	k.	k.	PROPN
ijosar-1126	607	18	l.	l.	PROPN
ijosar-1126	607	19	(	(	PUNCT
ijosar-1126	607	20	2016	2016	NUM
ijosar-1126	607	21	)	)	PUNCT
ijosar-1126	607	22	.	.	PUNCT
ijosar-1126	608	1	marketing	marketing	NOUN
ijosar-1126	608	2	management	management	NOUN
ijosar-1126	608	3	(	(	PUNCT
ijosar-1126	608	4	15th	15th	ADJ
ijosar-1126	608	5	ed	ed	NOUN
ijosar-1126	608	6	.	.	PUNCT
ijosar-1126	608	7	)	)	PUNCT
ijosar-1126	608	8	.	.	PUNCT
ijosar-1126	609	1	pearson	pearson	PROPN
ijosar-1126	609	2	education	education	PROPN
ijosar-1126	609	3	.	.	PUNCT
ijosar-1126	610	1	kyaruzi	kyaruzi	PROPN
ijosar-1126	610	2	,	,	PUNCT
ijosar-1126	610	3	m.	m.	NOUN
ijosar-1126	610	4	,	,	PUNCT
ijosar-1126	610	5	ngowi	ngowi	NOUN
ijosar-1126	610	6	,	,	PUNCT
ijosar-1126	610	7	h.	h.	PROPN
ijosar-1126	610	8	,	,	PUNCT
ijosar-1126	610	9	&	&	CCONJ
ijosar-1126	610	10	mbise	mbise	PROPN
ijosar-1126	610	11	,	,	PUNCT
ijosar-1126	610	12	a.	a.	NOUN
ijosar-1126	610	13	(	(	PUNCT
ijosar-1126	610	14	2024	2024	NUM
ijosar-1126	610	15	)	)	PUNCT
ijosar-1126	610	16	.	.	PUNCT
ijosar-1126	611	1	digital	digital	ADJ
ijosar-1126	611	2	lending	lending	NOUN
ijosar-1126	611	3	and	and	CCONJ
ijosar-1126	611	4	small	small	ADJ
ijosar-1126	611	5	business	business	NOUN
ijosar-1126	611	6	resilience	resilience	NOUN
ijosar-1126	611	7	in	in	ADP
ijosar-1126	611	8	post	post	ADJ
ijosar-1126	611	9	-	-	ADJ
ijosar-1126	611	10	pandemic	pandemic	ADJ
ijosar-1126	611	11	tanzania	tanzania	PROPN
ijosar-1126	611	12	.	.	PUNCT
ijosar-1126	612	1	african	african	ADJ
ijosar-1126	612	2	journal	journal	PROPN
ijosar-1126	612	3	of	of	ADP
ijosar-1126	612	4	business	business	NOUN
ijosar-1126	612	5	and	and	CCONJ
ijosar-1126	612	6	development	development	NOUN
ijosar-1126	612	7	,	,	PUNCT
ijosar-1126	612	8	19(1	19(1	NUM
ijosar-1126	612	9	)	)	PUNCT
ijosar-1126	612	10	,	,	PUNCT
ijosar-1126	612	11	77–95	77–95	NUM
ijosar-1126	612	12	.	.	PUNCT
ijosar-1126	613	1	https://doi.org/10.1080/26608963.2024.1123450	https://doi.org/10.1080/26608963.2024.1123450	PROPN
ijosar-1126	613	2	lu	lu	PROPN
ijosar-1126	613	3	,	,	PUNCT
ijosar-1126	613	4	j.	j.	PROPN
ijosar-1126	613	5	w.	w.	PROPN
ijosar-1126	613	6	,	,	PUNCT
ijosar-1126	613	7	&	&	CCONJ
ijosar-1126	613	8	beamish	beamish	PROPN
ijosar-1126	613	9	,	,	PUNCT
ijosar-1126	613	10	p.	p.	PROPN
ijosar-1126	613	11	w.	w.	PROPN
ijosar-1126	613	12	(	(	PUNCT
ijosar-1126	613	13	2001	2001	NUM
ijosar-1126	613	14	)	)	PUNCT
ijosar-1126	613	15	.	.	PUNCT
ijosar-1126	614	1	the	the	DET
ijosar-1126	614	2	internationalization	internationalization	NOUN
ijosar-1126	614	3	and	and	CCONJ
ijosar-1126	614	4	performance	performance	NOUN
ijosar-1126	614	5	of	of	ADP
ijosar-1126	614	6	smes	sme	NOUN
ijosar-1126	614	7	.	.	PUNCT
ijosar-1126	615	1	strategic	strategic	ADJ
ijosar-1126	615	2	management	management	NOUN
ijosar-1126	615	3	journal	journal	NOUN
ijosar-1126	615	4	,	,	PUNCT
ijosar-1126	615	5	22(6	22(6	NUM
ijosar-1126	615	6	-	-	SYM
ijosar-1126	615	7	7	7	NUM
ijosar-1126	615	8	)	)	PUNCT
ijosar-1126	615	9	,	,	PUNCT
ijosar-1126	615	10	565–586	565–586	NUM
ijosar-1126	615	11	.	.	PUNCT
ijosar-1126	616	1	https://doi.org/10.1002/smj.184	https://doi.org/10.1002/smj.184	PROPN
ijosar-1126	616	2	mckenzie	mckenzie	PROPN
ijosar-1126	616	3	,	,	PUNCT
ijosar-1126	616	4	d.	d.	PROPN
ijosar-1126	616	5	(	(	PUNCT
ijosar-1126	616	6	2017	2017	NUM
ijosar-1126	616	7	)	)	PUNCT
ijosar-1126	616	8	.	.	PUNCT
ijosar-1126	617	1	identifying	identify	VERB
ijosar-1126	617	2	and	and	CCONJ
ijosar-1126	617	3	spurring	spur	VERB
ijosar-1126	617	4	high	high	ADJ
ijosar-1126	617	5	-	-	PUNCT
ijosar-1126	617	6	growth	growth	NOUN
ijosar-1126	617	7	entrepreneurship	entrepreneurship	NOUN
ijosar-1126	617	8	:	:	PUNCT
ijosar-1126	617	9	experimental	experimental	ADJ
ijosar-1126	617	10	evidence	evidence	NOUN
ijosar-1126	617	11	from	from	ADP
ijosar-1126	617	12	a	a	DET
ijosar-1126	617	13	business	business	NOUN
ijosar-1126	617	14	plan	plan	NOUN
ijosar-1126	617	15	competition	competition	NOUN
ijosar-1126	617	16	.	.	PUNCT
ijosar-1126	618	1	american	american	PROPN
ijosar-1126	618	2	economic	economic	PROPN
ijosar-1126	618	3	review	review	PROPN
ijosar-1126	618	4	,	,	PUNCT
ijosar-1126	618	5	107(8	107(8	NUM
ijosar-1126	618	6	)	)	PUNCT
ijosar-1126	618	7	,	,	PUNCT
ijosar-1126	618	8	2278–2307	2278–2307	NUM
ijosar-1126	618	9	.	.	PUNCT
ijosar-1126	619	1	https://doi.org/10.1257/aer.20151404	https://doi.org/10.1257/aer.20151404	PROPN
ijosar-1126	619	2	minicom	minicom	PROPN
ijosar-1126	619	3	.	.	PUNCT
ijosar-1126	619	4	(	(	PUNCT
ijosar-1126	619	5	2022	2022	NUM
ijosar-1126	619	6	)	)	PUNCT
ijosar-1126	619	7	.	.	PUNCT
ijosar-1126	620	1	rwanda	rwanda	PROPN
ijosar-1126	620	2	sme	sme	PROPN
ijosar-1126	620	3	policy	policy	PROPN
ijosar-1126	620	4	review	review	PROPN
ijosar-1126	620	5	.	.	PUNCT
ijosar-1126	621	1	ministry	ministry	PROPN
ijosar-1126	621	2	of	of	ADP
ijosar-1126	621	3	trade	trade	PROPN
ijosar-1126	621	4	and	and	CCONJ
ijosar-1126	621	5	industry	industry	NOUN
ijosar-1126	621	6	,	,	PUNCT
ijosar-1126	621	7	rwanda	rwanda	PROPN
ijosar-1126	621	8	.	.	PUNCT
ijosar-1126	622	1	mukamana	mukamana	PROPN
ijosar-1126	622	2	,	,	PUNCT
ijosar-1126	622	3	e.	e.	PROPN
ijosar-1126	622	4	,	,	PUNCT
ijosar-1126	622	5	&	&	CCONJ
ijosar-1126	622	6	tusiime	tusiime	NOUN
ijosar-1126	622	7	,	,	PUNCT
ijosar-1126	622	8	m.	m.	NOUN
ijosar-1126	622	9	(	(	PUNCT
ijosar-1126	622	10	2025	2025	NUM
ijosar-1126	622	11	)	)	PUNCT
ijosar-1126	622	12	.	.	PUNCT
ijosar-1126	623	1	integration	integration	NOUN
ijosar-1126	623	2	gaps	gap	NOUN
ijosar-1126	623	3	in	in	ADP
ijosar-1126	623	4	fintech	fintech	NOUN
ijosar-1126	623	5	tools	tool	NOUN
ijosar-1126	623	6	for	for	ADP
ijosar-1126	623	7	rwandan	rwandan	PROPN
ijosar-1126	623	8	smes	smes	PROPN
ijosar-1126	623	9	.	.	PUNCT
ijosar-1126	624	1	rwanda	rwanda	PROPN
ijosar-1126	624	2	journal	journal	PROPN
ijosar-1126	624	3	of	of	ADP
ijosar-1126	624	4	business	business	NOUN
ijosar-1126	624	5	and	and	CCONJ
ijosar-1126	624	6	technology	technology	NOUN
ijosar-1126	624	7	,	,	PUNCT
ijosar-1126	624	8	9(1	9(1	NUM
ijosar-1126	624	9	)	)	PUNCT
ijosar-1126	624	10	,	,	PUNCT
ijosar-1126	624	11	77–90	77–90	NUM
ijosar-1126	624	12	.	.	PUNCT
ijosar-1126	625	1	muthiora	muthiora	PROPN
ijosar-1126	625	2	,	,	PUNCT
ijosar-1126	625	3	b.	b.	PROPN
ijosar-1126	625	4	(	(	PUNCT
ijosar-1126	625	5	2019	2019	NUM
ijosar-1126	625	6	)	)	PUNCT
ijosar-1126	625	7	.	.	PUNCT
ijosar-1126	626	1	digital	digital	ADJ
ijosar-1126	626	2	credit	credit	NOUN
ijosar-1126	626	3	and	and	CCONJ
ijosar-1126	626	4	sme	sme	NOUN
ijosar-1126	626	5	growth	growth	NOUN
ijosar-1126	626	6	in	in	ADP
ijosar-1126	626	7	east	east	PROPN
ijosar-1126	626	8	africa	africa	PROPN
ijosar-1126	626	9	.	.	PUNCT
ijosar-1126	627	1	cgap	cgap	PROPN
ijosar-1126	627	2	working	working	PROPN
ijosar-1126	627	3	paper	paper	NOUN
ijosar-1126	627	4	.	.	PUNCT
ijosar-1126	628	1	muthoni	muthoni	PROPN
ijosar-1126	628	2	,	,	PUNCT
ijosar-1126	628	3	s.	s.	PROPN
ijosar-1126	628	4	(	(	PUNCT
ijosar-1126	628	5	2024	2024	NUM
ijosar-1126	628	6	)	)	PUNCT
ijosar-1126	628	7	.	.	PUNCT
ijosar-1126	629	1	the	the	DET
ijosar-1126	629	2	role	role	NOUN
ijosar-1126	629	3	of	of	ADP
ijosar-1126	629	4	digital	digital	ADJ
ijosar-1126	629	5	credit	credit	NOUN
ijosar-1126	629	6	in	in	ADP
ijosar-1126	629	7	kenya	kenya	PROPN
ijosar-1126	629	8	’s	’s	PART
ijosar-1126	629	9	sme	sme	PROPN
ijosar-1126	629	10	growth	growth	PROPN
ijosar-1126	629	11	.	.	PUNCT
ijosar-1126	630	1	nairobi	nairobi	PROPN
ijosar-1126	630	2	journal	journal	PROPN
ijosar-1126	630	3	of	of	ADP
ijosar-1126	630	4	finance	finance	NOUN
ijosar-1126	630	5	and	and	CCONJ
ijosar-1126	630	6	innovation	innovation	NOUN
ijosar-1126	630	7	,	,	PUNCT
ijosar-1126	630	8	18(2	18(2	NUM
ijosar-1126	630	9	)	)	PUNCT
ijosar-1126	630	10	,	,	PUNCT
ijosar-1126	630	11	77–93	77–93	NUM
ijosar-1126	630	12	.	.	PUNCT
ijosar-1126	630	13	ndungu	ndungu	PROPN
ijosar-1126	630	14	,	,	PUNCT
ijosar-1126	630	15	m.	m.	NOUN
ijosar-1126	630	16	,	,	PUNCT
ijosar-1126	630	17	&	&	CCONJ
ijosar-1126	630	18	waema	waema	NOUN
ijosar-1126	630	19	,	,	PUNCT
ijosar-1126	630	20	t.	t.	PROPN
ijosar-1126	630	21	(	(	PUNCT
ijosar-1126	630	22	2024	2024	NUM
ijosar-1126	630	23	)	)	PUNCT
ijosar-1126	630	24	.	.	PUNCT
ijosar-1126	631	1	impact	impact	NOUN
ijosar-1126	631	2	of	of	ADP
ijosar-1126	631	3	mobile	mobile	ADJ
ijosar-1126	631	4	money	money	NOUN
ijosar-1126	631	5	on	on	ADP
ijosar-1126	631	6	sme	sme	ADJ
ijosar-1126	631	7	formalization	formalization	NOUN
ijosar-1126	631	8	and	and	CCONJ
ijosar-1126	631	9	growth	growth	NOUN
ijosar-1126	631	10	:	:	PUNCT
ijosar-1126	631	11	case	case	NOUN
ijosar-1126	631	12	of	of	ADP
ijosar-1126	631	13	nairobi	nairobi	PROPN
ijosar-1126	631	14	.	.	PUNCT
ijosar-1126	632	1	journal	journal	PROPN
ijosar-1126	632	2	of	of	ADP
ijosar-1126	632	3	african	african	ADJ
ijosar-1126	632	4	business	business	NOUN
ijosar-1126	632	5	and	and	CCONJ
ijosar-1126	632	6	technology	technology	NOUN
ijosar-1126	632	7	,	,	PUNCT
ijosar-1126	632	8	19(1	19(1	NUM
ijosar-1126	632	9	)	)	PUNCT
ijosar-1126	632	10	,	,	PUNCT
ijosar-1126	632	11	70–88	70–88	NUM
ijosar-1126	632	12	.	.	PUNCT
ijosar-1126	633	1	https://doi.org/10.1080/15228916.2024.2033440	https://doi.org/10.1080/15228916.2024.2033440	PROPN
ijosar-1126	633	2	ndungu	ndungu	PROPN
ijosar-1126	633	3	,	,	PUNCT
ijosar-1126	633	4	m.	m.	NOUN
ijosar-1126	633	5	,	,	PUNCT
ijosar-1126	633	6	&	&	CCONJ
ijosar-1126	633	7	waema	waema	NOUN
ijosar-1126	633	8	,	,	PUNCT
ijosar-1126	633	9	t.	t.	PROPN
ijosar-1126	633	10	(	(	PUNCT
ijosar-1126	633	11	2024	2024	NUM
ijosar-1126	633	12	)	)	PUNCT
ijosar-1126	633	13	.	.	PUNCT
ijosar-1126	634	1	mobile	mobile	ADJ
ijosar-1126	634	2	money	money	NOUN
ijosar-1126	634	3	for	for	ADP
ijosar-1126	634	4	sme	sme	NOUN
ijosar-1126	634	5	growth	growth	NOUN
ijosar-1126	634	6	in	in	ADP
ijosar-1126	634	7	east	east	PROPN
ijosar-1126	634	8	africa	africa	PROPN
ijosar-1126	634	9	:	:	PUNCT
ijosar-1126	634	10	digitalization	digitalization	NOUN
ijosar-1126	634	11	and	and	CCONJ
ijosar-1126	634	12	formalization	formalization	NOUN
ijosar-1126	634	13	pathways	pathway	NOUN
ijosar-1126	634	14	.	.	PUNCT
ijosar-1126	635	1	african	african	ADJ
ijosar-1126	635	2	journal	journal	PROPN
ijosar-1126	635	3	of	of	ADP
ijosar-1126	635	4	ict	ict	PROPN
ijosar-1126	635	5	development	development	PROPN
ijosar-1126	635	6	,	,	PUNCT
ijosar-1126	635	7	12(1	12(1	NUM
ijosar-1126	635	8	)	)	PUNCT
ijosar-1126	635	9	,	,	PUNCT
ijosar-1126	635	10	88–104	88–104	PROPN
ijosar-1126	635	11	.	.	PUNCT
ijosar-1126	635	12	nguyen	nguyen	PROPN
ijosar-1126	635	13	,	,	PUNCT
ijosar-1126	635	14	t.	t.	PROPN
ijosar-1126	635	15	h.	h.	PROPN
ijosar-1126	635	16	,	,	PUNCT
ijosar-1126	635	17	le	le	PROPN
ijosar-1126	635	18	,	,	PUNCT
ijosar-1126	635	19	p.	p.	NOUN
ijosar-1126	635	20	v.	v.	PROPN
ijosar-1126	635	21	,	,	PUNCT
ijosar-1126	635	22	&	&	CCONJ
ijosar-1126	635	23	tran	tran	PROPN
ijosar-1126	635	24	,	,	PUNCT
ijosar-1126	635	25	m.	m.	NOUN
ijosar-1126	635	26	t.	t.	PROPN
ijosar-1126	635	27	(	(	PUNCT
ijosar-1126	635	28	2024	2024	NUM
ijosar-1126	635	29	)	)	PUNCT
ijosar-1126	635	30	.	.	PUNCT
ijosar-1126	636	1	the	the	DET
ijosar-1126	636	2	impact	impact	NOUN
ijosar-1126	636	3	of	of	ADP
ijosar-1126	636	4	digital	digital	ADJ
ijosar-1126	636	5	wallets	wallet	NOUN
ijosar-1126	636	6	on	on	ADP
ijosar-1126	636	7	small	small	ADJ
ijosar-1126	636	8	business	business	NOUN
ijosar-1126	636	9	performance	performance	NOUN
ijosar-1126	636	10	in	in	ADP
ijosar-1126	636	11	vietnam	vietnam	PROPN
ijosar-1126	636	12	.	.	PUNCT
ijosar-1126	637	1	asian	asian	PROPN
ijosar-1126	637	2	journal	journal	PROPN
ijosar-1126	637	3	of	of	ADP
ijosar-1126	637	4	digital	digital	ADJ
ijosar-1126	637	5	economy	economy	NOUN
ijosar-1126	637	6	,	,	PUNCT
ijosar-1126	637	7	9(1	9(1	NUM
ijosar-1126	637	8	)	)	PUNCT
ijosar-1126	637	9	,	,	PUNCT
ijosar-1126	637	10	45–63	45–63	NUM
ijosar-1126	637	11	.	.	PUNCT
ijosar-1126	638	1	https://doi.org/10.1016/j.ajde.2024.03.006	https://doi.org/10.1016/j.ajde.2024.03.006	NOUN
ijosar-1126	638	2	ijo	ijo	PROPN
ijosar-1126	638	3	journals	journal	NOUN
ijosar-1126	638	4	volume	volume	NOUN
ijosar-1126	638	5	08	08	NUM
ijosar-1126	639	1	|	|	ADV
ijosar-1126	639	2	issue	issue	NOUN
ijosar-1126	639	3	08	08	NUM
ijosar-1126	640	1	|	|	ADV
ijosar-1126	640	2	august	august	PROPN
ijosar-1126	640	3	2025	2025	NUM
ijosar-1126	640	4	|	|	ADV
ijosar-1126	640	5	https://ijojournals.com/index.php/ssh/index	https://ijojournals.com/index.php/ssh/index	NOUN
ijosar-1126	640	6	111	111	NUM
ijosar-1126	640	7	https://www.ifc.org/	https://www.ifc.org/	PRON
ijosar-1126	640	8	ijointernational	ijointernational	ADJ
ijosar-1126	640	9	journal	journal	NOUN
ijosar-1126	640	10	of	of	ADP
ijosar-1126	640	11	social	social	ADJ
ijosar-1126	640	12	science	science	NOUN
ijosar-1126	640	13	and	and	CCONJ
ijosar-1126	640	14	humanities	humanity	NOUN
ijosar-1126	640	15	research	research	NOUN
ijosar-1126	640	16	(	(	PUNCT
ijosar-1126	640	17	issn	issn	PROPN
ijosar-1126	640	18	2811	2811	NUM
ijosar-1126	640	19	-	-	SYM
ijosar-1126	640	20	2466	2466	NUM
ijosar-1126	640	21	)	)	PUNCT
ijosar-1126	640	22	obiora	obiora	PROPN
ijosar-1126	640	23	peters	peters	PROPN
ijosar-1126	640	24	,	,	PUNCT
ijosar-1126	640	25	emeka	emeka	VERB
ijosar-1126	640	26	phd1	phd1	PROPN
ijosar-1126	640	27	*	*	PUNCT
ijosar-1126	640	28	https://ijojournals.com/	https://ijojournals.com/	PROPN
ijosar-1126	640	29	volume	volume	NOUN
ijosar-1126	640	30	08	08	NUM
ijosar-1126	641	1	||	||	PROPN
ijosar-1126	641	2	issue	issue	NOUN
ijosar-1126	641	3	08	08	NUM
ijosar-1126	641	4	||	||	NOUN
ijosar-1126	641	5	august	august	PROPN
ijosar-1126	641	6	,	,	PUNCT
ijosar-1126	641	7	2025	2025	NUM
ijosar-1126	641	8	||	||	PUNCT
ijosar-1126	642	1	“	"	PUNCT
ijosar-1126	642	2	the	the	DET
ijosar-1126	642	3	impact	impact	NOUN
ijosar-1126	642	4	of	of	ADP
ijosar-1126	642	5	financial	financial	ADJ
ijosar-1126	642	6	technology	technology	NOUN
ijosar-1126	642	7	on	on	ADP
ijosar-1126	642	8	the	the	DET
ijosar-1126	642	9	growth	growth	NOUN
ijosar-1126	642	10	of	of	ADP
ijosar-1126	642	11	smes	sme	NOUN
ijosar-1126	642	12	in	in	ADP
ijosar-1126	642	13	rwanda	rwanda	PROPN
ijosar-1126	642	14	(	(	PUNCT
ijosar-1126	642	15	2020	2020	NUM
ijosar-1126	642	16	-	-	SYM
ijosar-1126	642	17	2024	2024	NUM
ijosar-1126	642	18	)	)	PUNCT
ijosar-1126	642	19	"	"	PUNCT
ijosar-1126	642	20	njenga	njenga	ADV
ijosar-1126	642	21	,	,	PUNCT
ijosar-1126	642	22	d.	d.	PROPN
ijosar-1126	642	23	,	,	PUNCT
ijosar-1126	642	24	&	&	CCONJ
ijosar-1126	642	25	kamau	kamau	PROPN
ijosar-1126	642	26	,	,	PUNCT
ijosar-1126	642	27	s.	s.	PROPN
ijosar-1126	642	28	(	(	PUNCT
ijosar-1126	642	29	2023	2023	NUM
ijosar-1126	642	30	)	)	PUNCT
ijosar-1126	642	31	.	.	PUNCT
ijosar-1126	643	1	impact	impact	NOUN
ijosar-1126	643	2	of	of	ADP
ijosar-1126	643	3	digital	digital	ADJ
ijosar-1126	643	4	credit	credit	NOUN
ijosar-1126	643	5	platforms	platform	NOUN
ijosar-1126	643	6	on	on	ADP
ijosar-1126	643	7	smes	sme	NOUN
ijosar-1126	643	8	performance	performance	NOUN
ijosar-1126	643	9	in	in	ADP
ijosar-1126	643	10	nairobi	nairobi	PROPN
ijosar-1126	643	11	.	.	PUNCT
ijosar-1126	644	1	east	east	ADJ
ijosar-1126	644	2	african	african	PROPN
ijosar-1126	644	3	journal	journal	PROPN
ijosar-1126	644	4	of	of	ADP
ijosar-1126	644	5	financial	financial	ADJ
ijosar-1126	644	6	technology	technology	NOUN
ijosar-1126	644	7	,	,	PUNCT
ijosar-1126	644	8	8(3	8(3	NUM
ijosar-1126	644	9	)	)	PUNCT
ijosar-1126	644	10	,	,	PUNCT
ijosar-1126	644	11	55–70	55–70	PROPN
ijosar-1126	644	12	.	.	PUNCT
ijosar-1126	645	1	https://doi.org/10.2139/ssrn.4539827	https://doi.org/10.2139/ssrn.4539827	PROPN
ijosar-1126	645	2	nyiramajo	nyiramajo	PROPN
ijosar-1126	645	3	,	,	PUNCT
ijosar-1126	645	4	l.	l.	PROPN
ijosar-1126	645	5	,	,	PUNCT
ijosar-1126	645	6	&	&	CCONJ
ijosar-1126	645	7	habimana	habimana	PROPN
ijosar-1126	645	8	,	,	PUNCT
ijosar-1126	645	9	e.	e.	PROPN
ijosar-1126	645	10	(	(	PUNCT
ijosar-1126	645	11	2025	2025	NUM
ijosar-1126	645	12	)	)	PUNCT
ijosar-1126	645	13	.	.	PUNCT
ijosar-1126	646	1	the	the	DET
ijosar-1126	646	2	impact	impact	NOUN
ijosar-1126	646	3	of	of	ADP
ijosar-1126	646	4	yegopay	yegopay	NOUN
ijosar-1126	646	5	adoption	adoption	NOUN
ijosar-1126	646	6	on	on	ADP
ijosar-1126	646	7	rwandan	rwandan	PROPN
ijosar-1126	646	8	smes	smes	PROPN
ijosar-1126	646	9	.	.	PUNCT
ijosar-1126	647	1	kigali	kigali	PROPN
ijosar-1126	647	2	:	:	PUNCT
ijosar-1126	648	1	rwanda	rwanda	PROPN
ijosar-1126	648	2	institute	institute	PROPN
ijosar-1126	648	3	for	for	ADP
ijosar-1126	648	4	business	business	NOUN
ijosar-1126	648	5	research	research	NOUN
ijosar-1126	648	6	.	.	PUNCT
ijosar-1126	649	1	oecd	oecd	PROPN
ijosar-1126	649	2	.	.	PUNCT
ijosar-1126	650	1	(	(	PUNCT
ijosar-1126	650	2	2017	2017	NUM
ijosar-1126	650	3	)	)	PUNCT
ijosar-1126	650	4	.	.	PUNCT
ijosar-1126	651	1	entrepreneurship	entrepreneurship	NOUN
ijosar-1126	651	2	at	at	ADP
ijosar-1126	651	3	a	a	DET
ijosar-1126	651	4	glance	glance	NOUN
ijosar-1126	651	5	2017	2017	NUM
ijosar-1126	651	6	.	.	PUNCT
ijosar-1126	652	1	oecd	oecd	PROPN
ijosar-1126	652	2	publishing	publishing	NOUN
ijosar-1126	652	3	.	.	PUNCT
ijosar-1126	653	1	https://doi.org/10.1787/entrepreneur_aag-2017-en	https://doi.org/10.1787/entrepreneur_aag-2017-en	PROPN
ijosar-1126	653	2	okafor	okafor	PROPN
ijosar-1126	653	3	,	,	PUNCT
ijosar-1126	653	4	c.	c.	PROPN
ijosar-1126	653	5	,	,	PUNCT
ijosar-1126	653	6	&	&	CCONJ
ijosar-1126	653	7	muriuki	muriuki	PROPN
ijosar-1126	653	8	,	,	PUNCT
ijosar-1126	653	9	j.	j.	PROPN
ijosar-1126	653	10	(	(	PUNCT
ijosar-1126	653	11	2024	2024	NUM
ijosar-1126	653	12	)	)	PUNCT
ijosar-1126	653	13	.	.	PUNCT
ijosar-1126	654	1	digital	digital	ADJ
ijosar-1126	654	2	wallets	wallet	NOUN
ijosar-1126	654	3	and	and	CCONJ
ijosar-1126	654	4	sme	sme	NOUN
ijosar-1126	654	5	growth	growth	NOUN
ijosar-1126	654	6	in	in	ADP
ijosar-1126	654	7	sub	sub	ADJ
ijosar-1126	654	8	-	-	ADJ
ijosar-1126	654	9	saharan	saharan	ADJ
ijosar-1126	654	10	africa	africa	PROPN
ijosar-1126	654	11	:	:	PUNCT
ijosar-1126	654	12	a	a	DET
ijosar-1126	654	13	study	study	NOUN
ijosar-1126	654	14	of	of	ADP
ijosar-1126	654	15	nigeria	nigeria	PROPN
ijosar-1126	654	16	and	and	CCONJ
ijosar-1126	654	17	kenya	kenya	PROPN
ijosar-1126	654	18	.	.	PUNCT
ijosar-1126	655	1	journal	journal	PROPN
ijosar-1126	655	2	of	of	ADP
ijosar-1126	655	3	financial	financial	ADJ
ijosar-1126	655	4	innovation	innovation	NOUN
ijosar-1126	655	5	in	in	ADP
ijosar-1126	655	6	africa	africa	PROPN
ijosar-1126	655	7	,	,	PUNCT
ijosar-1126	655	8	11(2	11(2	NOUN
ijosar-1126	655	9	)	)	PUNCT
ijosar-1126	655	10	,	,	PUNCT
ijosar-1126	655	11	112–134	112–134	NUM
ijosar-1126	655	12	.	.	PUNCT
ijosar-1126	656	1	https://doi.org/10.1080/26608963.2024.1151207	https://doi.org/10.1080/26608963.2024.1151207	PROPN
ijosar-1126	656	2	ozili	ozili	PROPN
ijosar-1126	656	3	,	,	PUNCT
ijosar-1126	656	4	p.	p.	PROPN
ijosar-1126	656	5	k.	k.	PROPN
ijosar-1126	657	1	(	(	PUNCT
ijosar-1126	657	2	2018	2018	NUM
ijosar-1126	657	3	)	)	PUNCT
ijosar-1126	657	4	.	.	PUNCT
ijosar-1126	658	1	impact	impact	NOUN
ijosar-1126	658	2	of	of	ADP
ijosar-1126	658	3	digital	digital	ADJ
ijosar-1126	658	4	finance	finance	NOUN
ijosar-1126	658	5	on	on	ADP
ijosar-1126	658	6	financial	financial	ADJ
ijosar-1126	658	7	inclusion	inclusion	NOUN
ijosar-1126	658	8	and	and	CCONJ
ijosar-1126	658	9	stability	stability	NOUN
ijosar-1126	658	10	.	.	PUNCT
ijosar-1126	659	1	borsa	borsa	PROPN
ijosar-1126	659	2	istanbul	istanbul	PROPN
ijosar-1126	659	3	review	review	PROPN
ijosar-1126	659	4	,	,	PUNCT
ijosar-1126	659	5	18(4	18(4	NUM
ijosar-1126	659	6	)	)	PUNCT
ijosar-1126	659	7	,	,	PUNCT
ijosar-1126	659	8	329–340	329–340	NUM
ijosar-1126	659	9	.	.	PUNCT
ijosar-1126	660	1	penrose	penrose	PROPN
ijosar-1126	660	2	,	,	PUNCT
ijosar-1126	660	3	e.	e.	PROPN
ijosar-1126	660	4	t.	t.	PROPN
ijosar-1126	660	5	(	(	PUNCT
ijosar-1126	660	6	1959	1959	NUM
ijosar-1126	660	7	)	)	PUNCT
ijosar-1126	660	8	.	.	PUNCT
ijosar-1126	661	1	the	the	DET
ijosar-1126	661	2	theory	theory	NOUN
ijosar-1126	661	3	of	of	ADP
ijosar-1126	661	4	the	the	DET
ijosar-1126	661	5	growth	growth	NOUN
ijosar-1126	661	6	of	of	ADP
ijosar-1126	661	7	the	the	DET
ijosar-1126	661	8	firm	firm	NOUN
ijosar-1126	661	9	.	.	PUNCT
ijosar-1126	662	1	oxford	oxford	PROPN
ijosar-1126	662	2	university	university	PROPN
ijosar-1126	662	3	press	press	NOUN
ijosar-1126	662	4	.	.	PUNCT
ijosar-1126	663	1	pos	pos	PROPN
ijosar-1126	663	2	rdb	rdb	PROPN
ijosar-1126	663	3	.	.	PUNCT
ijosar-1126	664	1	(	(	PUNCT
ijosar-1126	664	2	2023	2023	NUM
ijosar-1126	664	3	)	)	PUNCT
ijosar-1126	664	4	.	.	PUNCT
ijosar-1126	665	1	sme	sme	PROPN
ijosar-1126	665	2	development	development	PROPN
ijosar-1126	665	3	annual	annual	ADJ
ijosar-1126	665	4	report	report	NOUN
ijosar-1126	665	5	.	.	PUNCT
ijosar-1126	666	1	rwanda	rwanda	PROPN
ijosar-1126	666	2	development	development	PROPN
ijosar-1126	666	3	board	board	PROPN
ijosar-1126	666	4	.	.	PUNCT
ijosar-1126	667	1	rizzi	rizzi	PROPN
ijosar-1126	667	2	,	,	PUNCT
ijosar-1126	667	3	p.	p.	NOUN
ijosar-1126	667	4	,	,	PUNCT
ijosar-1126	667	5	&	&	CCONJ
ijosar-1126	667	6	kumari	kumari	PROPN
ijosar-1126	667	7	,	,	PUNCT
ijosar-1126	667	8	s.	s.	PROPN
ijosar-1126	667	9	(	(	PUNCT
ijosar-1126	667	10	2021	2021	NUM
ijosar-1126	667	11	)	)	PUNCT
ijosar-1126	667	12	.	.	PUNCT
ijosar-1126	668	1	digital	digital	ADJ
ijosar-1126	668	2	lending	lending	NOUN
ijosar-1126	668	3	and	and	CCONJ
ijosar-1126	668	4	trust	trust	NOUN
ijosar-1126	668	5	:	:	PUNCT
ijosar-1126	668	6	perspectives	perspective	NOUN
ijosar-1126	668	7	from	from	ADP
ijosar-1126	668	8	rwanda	rwanda	PROPN
ijosar-1126	668	9	’s	’s	PART
ijosar-1126	668	10	mobile	mobile	ADJ
ijosar-1126	668	11	money	money	NOUN
ijosar-1126	668	12	users	user	NOUN
ijosar-1126	668	13	.	.	PUNCT
ijosar-1126	669	1	journal	journal	PROPN
ijosar-1126	669	2	of	of	ADP
ijosar-1126	669	3	african	african	ADJ
ijosar-1126	669	4	financial	financial	ADJ
ijosar-1126	669	5	innovation	innovation	NOUN
ijosar-1126	669	6	,	,	PUNCT
ijosar-1126	669	7	9(2	9(2	NUM
ijosar-1126	669	8	)	)	PUNCT
ijosar-1126	669	9	,	,	PUNCT
ijosar-1126	669	10	123–137	123–137	NUM
ijosar-1126	669	11	.	.	PUNCT
ijosar-1126	670	1	robson	robson	NOUN
ijosar-1126	670	2	,	,	PUNCT
ijosar-1126	670	3	p.	p.	PROPN
ijosar-1126	670	4	j.	j.	PROPN
ijosar-1126	670	5	a.	a.	PROPN
ijosar-1126	670	6	,	,	PUNCT
ijosar-1126	670	7	&	&	CCONJ
ijosar-1126	670	8	bennett	bennett	PROPN
ijosar-1126	670	9	,	,	PUNCT
ijosar-1126	670	10	r.	r.	PROPN
ijosar-1126	670	11	j.	j.	PROPN
ijosar-1126	670	12	(	(	PUNCT
ijosar-1126	670	13	2000	2000	NUM
ijosar-1126	670	14	)	)	PUNCT
ijosar-1126	670	15	.	.	PUNCT
ijosar-1126	671	1	sme	sme	PROPN
ijosar-1126	671	2	growth	growth	PROPN
ijosar-1126	671	3	:	:	PUNCT
ijosar-1126	671	4	the	the	DET
ijosar-1126	671	5	relationship	relationship	NOUN
ijosar-1126	671	6	with	with	ADP
ijosar-1126	671	7	business	business	NOUN
ijosar-1126	671	8	advice	advice	NOUN
ijosar-1126	671	9	and	and	CCONJ
ijosar-1126	671	10	external	external	ADJ
ijosar-1126	671	11	collaboration	collaboration	NOUN
ijosar-1126	671	12	.	.	PUNCT
ijosar-1126	672	1	small	small	ADJ
ijosar-1126	672	2	business	business	NOUN
ijosar-1126	672	3	economics	economic	NOUN
ijosar-1126	672	4	,	,	PUNCT
ijosar-1126	672	5	15(3	15(3	NUM
ijosar-1126	672	6	)	)	PUNCT
ijosar-1126	672	7	,	,	PUNCT
ijosar-1126	672	8	193–208	193–208	NUM
ijosar-1126	672	9	.	.	PUNCT
ijosar-1126	673	1	https://doi.org/10.1023/a:1008129012953	https://doi.org/10.1023/a:1008129012953	PROPN
ijosar-1126	673	2	rura	rura	PROPN
ijosar-1126	673	3	.	.	PROPN
ijosar-1126	673	4	(	(	PUNCT
ijosar-1126	673	5	2023	2023	NUM
ijosar-1126	673	6	)	)	PUNCT
ijosar-1126	673	7	.	.	PUNCT
ijosar-1126	674	1	ict	ict	NOUN
ijosar-1126	674	2	sector	sector	NOUN
ijosar-1126	674	3	performance	performance	NOUN
ijosar-1126	674	4	report	report	NOUN
ijosar-1126	674	5	for	for	ADP
ijosar-1126	674	6	2022	2022	NUM
ijosar-1126	674	7	.	.	PUNCT
ijosar-1126	675	1	rwanda	rwanda	PROPN
ijosar-1126	675	2	utilities	utilities	PROPN
ijosar-1126	675	3	regulatory	regulatory	ADJ
ijosar-1126	675	4	authority	authority	NOUN
ijosar-1126	675	5	.	.	PUNCT
ijosar-1126	676	1	rurangwa	rurangwa	PROPN
ijosar-1126	676	2	,	,	PUNCT
ijosar-1126	676	3	a.	a.	NOUN
ijosar-1126	676	4	,	,	PUNCT
ijosar-1126	676	5	&	&	CCONJ
ijosar-1126	676	6	nsengiyumva	nsengiyumva	PROPN
ijosar-1126	676	7	,	,	PUNCT
ijosar-1126	676	8	p.	p.	NOUN
ijosar-1126	676	9	(	(	PUNCT
ijosar-1126	676	10	2025	2025	NUM
ijosar-1126	676	11	)	)	PUNCT
ijosar-1126	676	12	.	.	PUNCT
ijosar-1126	677	1	fintech	fintech	NOUN
ijosar-1126	677	2	literacy	literacy	NOUN
ijosar-1126	677	3	and	and	CCONJ
ijosar-1126	677	4	adoption	adoption	NOUN
ijosar-1126	677	5	among	among	ADP
ijosar-1126	677	6	rural	rural	ADJ
ijosar-1126	677	7	smes	sme	NOUN
ijosar-1126	677	8	in	in	ADP
ijosar-1126	677	9	rwanda	rwanda	PROPN
ijosar-1126	677	10	.	.	PUNCT
ijosar-1126	678	1	kigali	kigali	PROPN
ijosar-1126	678	2	institute	institute	PROPN
ijosar-1126	678	3	of	of	ADP
ijosar-1126	678	4	digital	digital	PROPN
ijosar-1126	678	5	studies	study	NOUN
ijosar-1126	678	6	.	.	PUNCT
ijosar-1126	679	1	sanga	sanga	PROPN
ijosar-1126	679	2	,	,	PUNCT
ijosar-1126	679	3	s.	s.	PROPN
ijosar-1126	679	4	,	,	PUNCT
ijosar-1126	679	5	&	&	CCONJ
ijosar-1126	679	6	aziakpono	aziakpono	PROPN
ijosar-1126	679	7	,	,	PUNCT
ijosar-1126	679	8	m.	m.	NOUN
ijosar-1126	679	9	(	(	PUNCT
ijosar-1126	679	10	2025	2025	NUM
ijosar-1126	679	11	)	)	PUNCT
ijosar-1126	679	12	.	.	PUNCT
ijosar-1126	680	1	digital	digital	ADJ
ijosar-1126	680	2	credit	credit	NOUN
ijosar-1126	680	3	,	,	PUNCT
ijosar-1126	680	4	regulation	regulation	NOUN
ijosar-1126	680	5	,	,	PUNCT
ijosar-1126	680	6	and	and	CCONJ
ijosar-1126	680	7	sme	sme	NOUN
ijosar-1126	680	8	growth	growth	NOUN
ijosar-1126	680	9	in	in	ADP
ijosar-1126	680	10	africa	africa	PROPN
ijosar-1126	680	11	:	:	PUNCT
ijosar-1126	680	12	a	a	DET
ijosar-1126	680	13	quantile	quantile	ADJ
ijosar-1126	680	14	regression	regression	NOUN
ijosar-1126	680	15	approach	approach	NOUN
ijosar-1126	680	16	.	.	PUNCT
ijosar-1126	681	1	african	african	ADJ
ijosar-1126	681	2	development	development	PROPN
ijosar-1126	681	3	studies	study	NOUN
ijosar-1126	681	4	,	,	PUNCT
ijosar-1126	681	5	17(3	17(3	NUM
ijosar-1126	681	6	)	)	PUNCT
ijosar-1126	681	7	,	,	PUNCT
ijosar-1126	681	8	205–229	205–229	NUM
ijosar-1126	681	9	.	.	PUNCT
ijosar-1126	682	1	schumpeter	schumpeter	NOUN
ijosar-1126	682	2	,	,	PUNCT
ijosar-1126	682	3	j.	j.	PROPN
ijosar-1126	682	4	a.	a.	PROPN
ijosar-1126	682	5	(	(	PUNCT
ijosar-1126	682	6	1934	1934	NUM
ijosar-1126	682	7	)	)	PUNCT
ijosar-1126	682	8	.	.	PUNCT
ijosar-1126	683	1	the	the	DET
ijosar-1126	683	2	theory	theory	NOUN
ijosar-1126	683	3	of	of	ADP
ijosar-1126	683	4	economic	economic	ADJ
ijosar-1126	683	5	development	development	NOUN
ijosar-1126	683	6	:	:	PUNCT
ijosar-1126	683	7	an	an	DET
ijosar-1126	683	8	inquiry	inquiry	NOUN
ijosar-1126	683	9	into	into	ADP
ijosar-1126	683	10	profits	profit	NOUN
ijosar-1126	683	11	,	,	PUNCT
ijosar-1126	683	12	capital	capital	NOUN
ijosar-1126	683	13	,	,	PUNCT
ijosar-1126	683	14	credit	credit	NOUN
ijosar-1126	683	15	,	,	PUNCT
ijosar-1126	683	16	interest	interest	NOUN
ijosar-1126	683	17	,	,	PUNCT
ijosar-1126	683	18	and	and	CCONJ
ijosar-1126	683	19	the	the	DET
ijosar-1126	683	20	business	business	NOUN
ijosar-1126	683	21	cycle	cycle	NOUN
ijosar-1126	683	22	.	.	PUNCT
ijosar-1126	684	1	harvard	harvard	PROPN
ijosar-1126	684	2	university	university	PROPN
ijosar-1126	684	3	press	press	NOUN
ijosar-1126	684	4	.	.	PUNCT
ijosar-1126	685	1	siaka	siaka	PROPN
ijosar-1126	685	2	,	,	PUNCT
ijosar-1126	685	3	c.	c.	PROPN
ijosar-1126	685	4	(	(	PUNCT
ijosar-1126	685	5	2025	2025	NUM
ijosar-1126	685	6	)	)	PUNCT
ijosar-1126	685	7	.	.	PUNCT
ijosar-1126	686	1	rwanda	rwanda	PROPN
ijosar-1126	686	2	’s	’s	PART
ijosar-1126	686	3	mobile	mobile	PROPN
ijosar-1126	686	4	money	money	NOUN
ijosar-1126	686	5	ecosystem	ecosystem	NOUN
ijosar-1126	686	6	and	and	CCONJ
ijosar-1126	686	7	merchant	merchant	NOUN
ijosar-1126	686	8	integration	integration	NOUN
ijosar-1126	686	9	:	:	PUNCT
ijosar-1126	686	10	trends	trend	NOUN
ijosar-1126	686	11	and	and	CCONJ
ijosar-1126	686	12	barriers	barrier	NOUN
ijosar-1126	686	13	.	.	PUNCT
ijosar-1126	687	1	rwanda	rwanda	PROPN
ijosar-1126	687	2	economic	economic	PROPN
ijosar-1126	687	3	review	review	PROPN
ijosar-1126	687	4	,	,	PUNCT
ijosar-1126	687	5	11(4	11(4	NUM
ijosar-1126	687	6	)	)	PUNCT
ijosar-1126	687	7	,	,	PUNCT
ijosar-1126	687	8	45–61	45–61	NUM
ijosar-1126	687	9	.	.	PUNCT
ijosar-1126	687	10	storey	storey	PROPN
ijosar-1126	687	11	,	,	PUNCT
ijosar-1126	687	12	d.	d.	PROPN
ijosar-1126	687	13	j.	j.	PROPN
ijosar-1126	687	14	(	(	PUNCT
ijosar-1126	687	15	1994	1994	NUM
ijosar-1126	687	16	)	)	PUNCT
ijosar-1126	687	17	.	.	PUNCT
ijosar-1126	688	1	understanding	understand	VERB
ijosar-1126	688	2	the	the	DET
ijosar-1126	688	3	small	small	ADJ
ijosar-1126	688	4	business	business	NOUN
ijosar-1126	688	5	sector	sector	NOUN
ijosar-1126	688	6	.	.	PUNCT
ijosar-1126	689	1	routledge	routledge	PROPN
ijosar-1126	689	2	.	.	PUNCT
ijosar-1126	690	1	umutesi	umutesi	PROPN
ijosar-1126	690	2	,	,	PUNCT
ijosar-1126	690	3	c.	c.	PROPN
ijosar-1126	690	4	,	,	PUNCT
ijosar-1126	690	5	&	&	CCONJ
ijosar-1126	690	6	kamanzi	kamanzi	PROPN
ijosar-1126	690	7	,	,	PUNCT
ijosar-1126	690	8	b.	b.	PROPN
ijosar-1126	690	9	(	(	PUNCT
ijosar-1126	690	10	2024	2024	NUM
ijosar-1126	690	11	)	)	PUNCT
ijosar-1126	690	12	.	.	PUNCT
ijosar-1126	691	1	digital	digital	ADJ
ijosar-1126	691	2	wallet	wallet	NOUN
ijosar-1126	691	3	adoption	adoption	NOUN
ijosar-1126	691	4	and	and	CCONJ
ijosar-1126	691	5	merchant	merchant	NOUN
ijosar-1126	691	6	experience	experience	NOUN
ijosar-1126	691	7	in	in	ADP
ijosar-1126	691	8	rwanda	rwanda	PROPN
ijosar-1126	691	9	’s	’s	PART
ijosar-1126	691	10	informal	informal	ADJ
ijosar-1126	691	11	economy	economy	NOUN
ijosar-1126	691	12	.	.	PUNCT
ijosar-1126	692	1	rwanda	rwanda	PROPN
ijosar-1126	692	2	ict	ict	PROPN
ijosar-1126	692	3	and	and	CCONJ
ijosar-1126	692	4	innovation	innovation	PROPN
ijosar-1126	692	5	review	review	PROPN
ijosar-1126	692	6	,	,	PUNCT
ijosar-1126	692	7	6(3	6(3	NUM
ijosar-1126	692	8	)	)	PUNCT
ijosar-1126	692	9	,	,	PUNCT
ijosar-1126	692	10	45–61	45–61	NUM
ijosar-1126	692	11	.	.	PUNCT
ijosar-1126	693	1	valuable	valuable	ADJ
ijosar-1126	693	2	,	,	PUNCT
ijosar-1126	693	3	rare	rare	ADJ
ijosar-1126	693	4	,	,	PUNCT
ijosar-1126	693	5	inimitable	inimitable	ADJ
ijosar-1126	693	6	,	,	PUNCT
ijosar-1126	693	7	and	and	CCONJ
ijosar-1126	693	8	non	non	ADJ
ijosar-1126	693	9	-	-	ADJ
ijosar-1126	693	10	substitutable	substitutable	ADJ
ijosar-1126	693	11	(	(	PUNCT
ijosar-1126	693	12	vrin	vrin	ADJ
ijosar-1126	693	13	)	)	PUNCT
ijosar-1126	693	14	venkatesh	venkatesh	PROPN
ijosar-1126	693	15	,	,	PUNCT
ijosar-1126	693	16	v.	v.	PROPN
ijosar-1126	693	17	,	,	PUNCT
ijosar-1126	693	18	&	&	CCONJ
ijosar-1126	693	19	davis	davis	PROPN
ijosar-1126	693	20	,	,	PUNCT
ijosar-1126	693	21	f.	f.	PROPN
ijosar-1126	693	22	d.	d.	PROPN
ijosar-1126	693	23	(	(	PUNCT
ijosar-1126	693	24	2000	2000	NUM
ijosar-1126	693	25	)	)	PUNCT
ijosar-1126	693	26	.	.	PUNCT
ijosar-1126	694	1	a	a	DET
ijosar-1126	694	2	theoretical	theoretical	ADJ
ijosar-1126	694	3	extension	extension	NOUN
ijosar-1126	694	4	of	of	ADP
ijosar-1126	694	5	the	the	DET
ijosar-1126	694	6	technology	technology	NOUN
ijosar-1126	694	7	acceptance	acceptance	NOUN
ijosar-1126	694	8	model	model	NOUN
ijosar-1126	694	9	:	:	PUNCT
ijosar-1126	694	10	four	four	NUM
ijosar-1126	694	11	longitudinal	longitudinal	ADJ
ijosar-1126	694	12	field	field	NOUN
ijosar-1126	694	13	studies	study	NOUN
ijosar-1126	694	14	.	.	PUNCT
ijosar-1126	695	1	management	management	NOUN
ijosar-1126	695	2	science	science	NOUN
ijosar-1126	695	3	,	,	PUNCT
ijosar-1126	695	4	46(2	46(2	NOUN
ijosar-1126	695	5	)	)	PUNCT
ijosar-1126	695	6	,	,	PUNCT
ijosar-1126	695	7	186–204	186–204	NUM
ijosar-1126	695	8	.	.	PUNCT
ijosar-1126	696	1	https://doi.org/10.1287/mnsc.46.2.186.11926	https://doi.org/10.1287/mnsc.46.2.186.11926	PROPN
ijosar-1126	696	2	ijo	ijo	PROPN
ijosar-1126	696	3	journals	journal	NOUN
ijosar-1126	696	4	volume	volume	NOUN
ijosar-1126	696	5	08	08	NUM
ijosar-1126	697	1	|	|	ADV
ijosar-1126	697	2	issue	issue	NOUN
ijosar-1126	697	3	08	08	NUM
ijosar-1126	698	1	|	|	ADV
ijosar-1126	698	2	august	august	PROPN
ijosar-1126	698	3	2025	2025	NUM
ijosar-1126	699	1	|	|	ADV
ijosar-1126	699	2	https://ijojournals.com/index.php/ssh/index	https://ijojournals.com/index.php/ssh/index	NOUN
ijosar-1126	699	3	112	112	NUM
ijosar-1126	699	4	https://doi.org/10.1287/mnsc.46.2.186.11926	https://doi.org/10.1287/mnsc.46.2.186.11926	NOUN
ijosar-1126	699	5	ijointernational	ijointernational	ADJ
ijosar-1126	699	6	journal	journal	NOUN
ijosar-1126	699	7	of	of	ADP
ijosar-1126	699	8	social	social	ADJ
ijosar-1126	699	9	science	science	NOUN
ijosar-1126	699	10	and	and	CCONJ
ijosar-1126	699	11	humanities	humanity	NOUN
ijosar-1126	699	12	research	research	NOUN
ijosar-1126	699	13	(	(	PUNCT
ijosar-1126	699	14	issn	issn	PROPN
ijosar-1126	699	15	2811	2811	NUM
ijosar-1126	699	16	-	-	SYM
ijosar-1126	699	17	2466	2466	NUM
ijosar-1126	699	18	)	)	PUNCT
ijosar-1126	699	19	obiora	obiora	PROPN
ijosar-1126	699	20	peters	peters	PROPN
ijosar-1126	699	21	,	,	PUNCT
ijosar-1126	699	22	emeka	emeka	VERB
ijosar-1126	699	23	phd1	phd1	PROPN
ijosar-1126	699	24	*	*	PUNCT
ijosar-1126	699	25	https://ijojournals.com/	https://ijojournals.com/	PROPN
ijosar-1126	699	26	volume	volume	NOUN
ijosar-1126	699	27	08	08	NUM
ijosar-1126	700	1	||	||	PROPN
ijosar-1126	700	2	issue	issue	NOUN
ijosar-1126	700	3	08	08	NUM
ijosar-1126	700	4	||	||	NOUN
ijosar-1126	700	5	august	august	PROPN
ijosar-1126	700	6	,	,	PUNCT
ijosar-1126	700	7	2025	2025	NUM
ijosar-1126	700	8	||	||	PUNCT
ijosar-1126	701	1	“	"	PUNCT
ijosar-1126	701	2	the	the	DET
ijosar-1126	701	3	impact	impact	NOUN
ijosar-1126	701	4	of	of	ADP
ijosar-1126	701	5	financial	financial	ADJ
ijosar-1126	701	6	technology	technology	NOUN
ijosar-1126	701	7	on	on	ADP
ijosar-1126	701	8	the	the	DET
ijosar-1126	701	9	growth	growth	NOUN
ijosar-1126	701	10	of	of	ADP
ijosar-1126	701	11	smes	sme	NOUN
ijosar-1126	701	12	in	in	ADP
ijosar-1126	701	13	rwanda	rwanda	PROPN
ijosar-1126	701	14	(	(	PUNCT
ijosar-1126	701	15	2020	2020	NUM
ijosar-1126	701	16	-	-	SYM
ijosar-1126	701	17	2024	2024	NUM
ijosar-1126	701	18	)	)	PUNCT
ijosar-1126	701	19	"	"	PUNCT
ijosar-1126	701	20	venkatesh	venkatesh	NOUN
ijosar-1126	701	21	,	,	PUNCT
ijosar-1126	701	22	v.	v.	PROPN
ijosar-1126	701	23	,	,	PUNCT
ijosar-1126	701	24	&	&	CCONJ
ijosar-1126	701	25	davis	davis	PROPN
ijosar-1126	701	26	,	,	PUNCT
ijosar-1126	701	27	f.	f.	PROPN
ijosar-1126	701	28	d.	d.	PROPN
ijosar-1126	701	29	(	(	PUNCT
ijosar-1126	701	30	2021	2021	NUM
ijosar-1126	701	31	)	)	PUNCT
ijosar-1126	701	32	.	.	PUNCT
ijosar-1126	702	1	technology	technology	NOUN
ijosar-1126	702	2	acceptance	acceptance	NOUN
ijosar-1126	702	3	model	model	NOUN
ijosar-1126	702	4	:	:	PUNCT
ijosar-1126	702	5	past	past	ADJ
ijosar-1126	702	6	,	,	PUNCT
ijosar-1126	702	7	present	present	ADJ
ijosar-1126	702	8	,	,	PUNCT
ijosar-1126	702	9	and	and	CCONJ
ijosar-1126	702	10	future	future	NOUN
ijosar-1126	702	11	.	.	PUNCT
ijosar-1126	703	1	journal	journal	NOUN
ijosar-1126	703	2	of	of	ADP
ijosar-1126	703	3	the	the	DET
ijosar-1126	703	4	association	association	NOUN
ijosar-1126	703	5	for	for	ADP
ijosar-1126	703	6	information	information	NOUN
ijosar-1126	703	7	systems	system	NOUN
ijosar-1126	703	8	,	,	PUNCT
ijosar-1126	703	9	22(6	22(6	NUM
ijosar-1126	703	10	)	)	PUNCT
ijosar-1126	703	11	,	,	PUNCT
ijosar-1126	703	12	1278	1278	NUM
ijosar-1126	703	13	–	–	PUNCT
ijosar-1126	703	14	1299	1299	NUM
ijosar-1126	703	15	.	.	PUNCT
ijosar-1126	704	1	https://doi.org/10.17705/1jais.00633	https://doi.org/10.17705/1jais.00633	PROPN
ijosar-1126	704	2	venkatesh	venkatesh	PROPN
ijosar-1126	704	3	,	,	PUNCT
ijosar-1126	704	4	v.	v.	PROPN
ijosar-1126	704	5	,	,	PUNCT
ijosar-1126	704	6	&	&	CCONJ
ijosar-1126	704	7	davis	davis	PROPN
ijosar-1126	704	8	,	,	PUNCT
ijosar-1126	704	9	f.	f.	PROPN
ijosar-1126	704	10	d.	d.	PROPN
ijosar-1126	704	11	(	(	PUNCT
ijosar-1126	704	12	2021	2021	NUM
ijosar-1126	704	13	)	)	PUNCT
ijosar-1126	704	14	.	.	PUNCT
ijosar-1126	705	1	technology	technology	NOUN
ijosar-1126	705	2	acceptance	acceptance	NOUN
ijosar-1126	705	3	model	model	NOUN
ijosar-1126	705	4	:	:	PUNCT
ijosar-1126	705	5	past	past	ADJ
ijosar-1126	705	6	,	,	PUNCT
ijosar-1126	705	7	present	present	ADJ
ijosar-1126	705	8	,	,	PUNCT
ijosar-1126	705	9	and	and	CCONJ
ijosar-1126	705	10	future	future	NOUN
ijosar-1126	705	11	.	.	PUNCT
ijosar-1126	706	1	journal	journal	NOUN
ijosar-1126	706	2	of	of	ADP
ijosar-1126	706	3	the	the	DET
ijosar-1126	706	4	association	association	NOUN
ijosar-1126	706	5	for	for	ADP
ijosar-1126	706	6	information	information	NOUN
ijosar-1126	706	7	systems	system	NOUN
ijosar-1126	706	8	,	,	PUNCT
ijosar-1126	706	9	22(6	22(6	NUM
ijosar-1126	706	10	)	)	PUNCT
ijosar-1126	706	11	,	,	PUNCT
ijosar-1126	706	12	1278	1278	NUM
ijosar-1126	706	13	–	–	PUNCT
ijosar-1126	706	14	1299	1299	NUM
ijosar-1126	706	15	.	.	PUNCT
ijosar-1126	707	1	https://doi.org/10.17705/1jais.00633	https://doi.org/10.17705/1jais.00633	PROPN
ijosar-1126	707	2	venkatesh	venkatesh	PROPN
ijosar-1126	707	3	,	,	PUNCT
ijosar-1126	707	4	v.	v.	PROPN
ijosar-1126	707	5	,	,	PUNCT
ijosar-1126	707	6	&	&	CCONJ
ijosar-1126	707	7	davis	davis	PROPN
ijosar-1126	707	8	,	,	PUNCT
ijosar-1126	707	9	f.	f.	PROPN
ijosar-1126	707	10	d.	d.	PROPN
ijosar-1126	707	11	(	(	PUNCT
ijosar-1126	707	12	2021	2021	NUM
ijosar-1126	707	13	)	)	PUNCT
ijosar-1126	707	14	.	.	PUNCT
ijosar-1126	708	1	technology	technology	NOUN
ijosar-1126	708	2	acceptance	acceptance	NOUN
ijosar-1126	708	3	model	model	NOUN
ijosar-1126	708	4	:	:	PUNCT
ijosar-1126	708	5	past	past	ADJ
ijosar-1126	708	6	,	,	PUNCT
ijosar-1126	708	7	present	present	ADJ
ijosar-1126	708	8	,	,	PUNCT
ijosar-1126	708	9	and	and	CCONJ
ijosar-1126	708	10	future	future	NOUN
ijosar-1126	708	11	.	.	PUNCT
ijosar-1126	709	1	journal	journal	NOUN
ijosar-1126	709	2	of	of	ADP
ijosar-1126	709	3	the	the	DET
ijosar-1126	709	4	association	association	NOUN
ijosar-1126	709	5	for	for	ADP
ijosar-1126	709	6	information	information	NOUN
ijosar-1126	709	7	systems	system	NOUN
ijosar-1126	709	8	,	,	PUNCT
ijosar-1126	709	9	22(6	22(6	NUM
ijosar-1126	709	10	)	)	PUNCT
ijosar-1126	709	11	,	,	PUNCT
ijosar-1126	709	12	1278	1278	NUM
ijosar-1126	709	13	–	–	PUNCT
ijosar-1126	709	14	1299	1299	NUM
ijosar-1126	709	15	.	.	PUNCT
ijosar-1126	710	1	https://doi.org/10.17705/1jais.00633	https://doi.org/10.17705/1jais.00633	PROPN
ijosar-1126	710	2	world	world	PROPN
ijosar-1126	710	3	bank	bank	PROPN
ijosar-1126	710	4	.	.	PUNCT
ijosar-1126	711	1	(	(	PUNCT
ijosar-1126	711	2	2020	2020	NUM
ijosar-1126	711	3	)	)	PUNCT
ijosar-1126	711	4	.	.	PUNCT
ijosar-1126	712	1	doing	do	VERB
ijosar-1126	712	2	business	business	NOUN
ijosar-1126	712	3	2020	2020	NUM
ijosar-1126	712	4	:	:	PUNCT
ijosar-1126	712	5	comparing	compare	VERB
ijosar-1126	712	6	business	business	NOUN
ijosar-1126	712	7	regulation	regulation	NOUN
ijosar-1126	712	8	in	in	ADP
ijosar-1126	712	9	190	190	NUM
ijosar-1126	712	10	economies	economy	NOUN
ijosar-1126	712	11	.	.	PUNCT
ijosar-1126	713	1	world	world	PROPN
ijosar-1126	713	2	bank	bank	PROPN
ijosar-1126	713	3	group	group	NOUN
ijosar-1126	713	4	.	.	PUNCT
ijosar-1126	714	1	world	world	PROPN
ijosar-1126	714	2	bank	bank	PROPN
ijosar-1126	714	3	.	.	PUNCT
ijosar-1126	715	1	(	(	PUNCT
ijosar-1126	715	2	2020	2020	NUM
ijosar-1126	715	3	)	)	PUNCT
ijosar-1126	715	4	.	.	PUNCT
ijosar-1126	716	1	improving	improve	VERB
ijosar-1126	716	2	market	market	NOUN
ijosar-1126	716	3	access	access	NOUN
ijosar-1126	716	4	for	for	ADP
ijosar-1126	716	5	smes	sme	NOUN
ijosar-1126	716	6	in	in	ADP
ijosar-1126	716	7	africa	africa	PROPN
ijosar-1126	716	8	:	:	PUNCT
ijosar-1126	716	9	trade	trade	NOUN
ijosar-1126	716	10	and	and	CCONJ
ijosar-1126	716	11	competitiveness	competitiveness	NOUN
ijosar-1126	716	12	global	global	ADJ
ijosar-1126	716	13	practice	practice	NOUN
ijosar-1126	716	14	.	.	PUNCT
ijosar-1126	717	1	world	world	PROPN
ijosar-1126	717	2	bank	bank	PROPN
ijosar-1126	717	3	publications	publication	NOUN
ijosar-1126	717	4	.	.	PUNCT
ijosar-1126	718	1	world	world	PROPN
ijosar-1126	718	2	bank	bank	PROPN
ijosar-1126	718	3	.	.	PUNCT
ijosar-1126	719	1	(	(	PUNCT
ijosar-1126	719	2	2021	2021	NUM
ijosar-1126	719	3	)	)	PUNCT
ijosar-1126	719	4	.	.	PUNCT
ijosar-1126	720	1	rwanda	rwanda	PROPN
ijosar-1126	720	2	economic	economic	ADJ
ijosar-1126	720	3	update	update	NOUN
ijosar-1126	720	4	:	:	PUNCT
ijosar-1126	720	5	financing	finance	VERB
ijosar-1126	720	6	development	development	NOUN
ijosar-1126	720	7	.	.	PUNCT
ijosar-1126	721	1	world	world	PROPN
ijosar-1126	721	2	bank	bank	PROPN
ijosar-1126	721	3	.	.	PUNCT
ijosar-1126	722	1	(	(	PUNCT
ijosar-1126	722	2	2022	2022	NUM
ijosar-1126	722	3	)	)	PUNCT
ijosar-1126	722	4	.	.	PUNCT
ijosar-1126	723	1	global	global	ADJ
ijosar-1126	723	2	findex	findex	PROPN
ijosar-1126	723	3	database	database	NOUN
ijosar-1126	723	4	2021	2021	NUM
ijosar-1126	723	5	:	:	PUNCT
ijosar-1126	723	6	financial	financial	ADJ
ijosar-1126	723	7	inclusion	inclusion	NOUN
ijosar-1126	723	8	,	,	PUNCT
ijosar-1126	723	9	digital	digital	ADJ
ijosar-1126	723	10	payments	payment	NOUN
ijosar-1126	723	11	,	,	PUNCT
ijosar-1126	723	12	and	and	CCONJ
ijosar-1126	723	13	resilience	resilience	NOUN
ijosar-1126	723	14	in	in	ADP
ijosar-1126	723	15	the	the	DET
ijosar-1126	723	16	age	age	NOUN
ijosar-1126	723	17	of	of	ADP
ijosar-1126	723	18	covid-19	covid-19	PROPN
ijosar-1126	723	19	.	.	PUNCT
ijosar-1126	723	20	world	world	PROPN
ijosar-1126	723	21	bank	bank	PROPN
ijosar-1126	723	22	.	.	PUNCT
ijosar-1126	724	1	(	(	PUNCT
ijosar-1126	724	2	2022	2022	NUM
ijosar-1126	724	3	)	)	PUNCT
ijosar-1126	724	4	.	.	PUNCT
ijosar-1126	725	1	rwanda	rwanda	PROPN
ijosar-1126	725	2	economic	economic	ADJ
ijosar-1126	725	3	update	update	NOUN
ijosar-1126	725	4	:	:	PUNCT
ijosar-1126	725	5	boosting	boost	VERB
ijosar-1126	725	6	smes	sme	NOUN
ijosar-1126	725	7	for	for	ADP
ijosar-1126	725	8	post	post	ADJ
ijosar-1126	725	9	-	-	ADJ
ijosar-1126	725	10	covid	covid	ADJ
ijosar-1126	725	11	recovery	recovery	NOUN
ijosar-1126	725	12	.	.	PUNCT
ijosar-1126	726	1	world	world	PROPN
ijosar-1126	726	2	bank	bank	PROPN
ijosar-1126	726	3	publications	publication	NOUN
ijosar-1126	726	4	.	.	PUNCT
ijosar-1126	727	1	world	world	PROPN
ijosar-1126	727	2	bank	bank	PROPN
ijosar-1126	727	3	.	.	PUNCT
ijosar-1126	728	1	(	(	PUNCT
ijosar-1126	728	2	2024	2024	NUM
ijosar-1126	728	3	)	)	PUNCT
ijosar-1126	728	4	.	.	PUNCT
ijosar-1126	729	1	sme	sme	PROPN
ijosar-1126	729	2	finance	finance	PROPN
ijosar-1126	729	3	:	:	PUNCT
ijosar-1126	729	4	improving	improve	VERB
ijosar-1126	729	5	access	access	NOUN
ijosar-1126	729	6	to	to	ADP
ijosar-1126	729	7	finance	finance	NOUN
ijosar-1126	729	8	for	for	ADP
ijosar-1126	729	9	small	small	ADJ
ijosar-1126	729	10	businesses	business	NOUN
ijosar-1126	729	11	.	.	PUNCT
ijosar-1126	730	1	https://www.worldbank.org/en/topic/smefinance	https://www.worldbank.org/en/topic/smefinance	NOUN
ijosar-1126	730	2	world	world	PROPN
ijosar-1126	730	3	economic	economic	PROPN
ijosar-1126	730	4	forum	forum	PROPN
ijosar-1126	730	5	.	.	PUNCT
ijosar-1126	731	1	(	(	PUNCT
ijosar-1126	731	2	2024	2024	NUM
ijosar-1126	731	3	)	)	PUNCT
ijosar-1126	731	4	.	.	PUNCT
ijosar-1126	732	1	the	the	DET
ijosar-1126	732	2	future	future	NOUN
ijosar-1126	732	3	of	of	ADP
ijosar-1126	732	4	digital	digital	ADJ
ijosar-1126	732	5	payments	payment	NOUN
ijosar-1126	732	6	:	:	PUNCT
ijosar-1126	732	7	building	build	VERB
ijosar-1126	732	8	inclusive	inclusive	ADJ
ijosar-1126	732	9	and	and	CCONJ
ijosar-1126	732	10	scalable	scalable	ADJ
ijosar-1126	732	11	wallet	wallet	NOUN
ijosar-1126	732	12	systems	system	NOUN
ijosar-1126	732	13	.	.	PUNCT
ijosar-1126	733	1	https://www.weforum.org/reports/the-future-of	https://www.weforum.org/reports/the-future-of	PROPN
ijosar-1126	733	2	digital	digital	ADJ
ijosar-1126	733	3	-	-	PUNCT
ijosar-1126	733	4	payments	payment	NOUN
ijosar-1126	733	5	xelius	xelius	NOUN
ijosar-1126	733	6	,	,	PUNCT
ijosar-1126	733	7	r.	r.	PROPN
ijosar-1126	733	8	(	(	PUNCT
ijosar-1126	733	9	2025	2025	NUM
ijosar-1126	733	10	)	)	PUNCT
ijosar-1126	733	11	.	.	PUNCT
ijosar-1126	734	1	fintech	fintech	NOUN
ijosar-1126	734	2	and	and	CCONJ
ijosar-1126	734	3	financial	financial	ADJ
ijosar-1126	734	4	inclusion	inclusion	NOUN
ijosar-1126	734	5	in	in	ADP
ijosar-1126	734	6	rwanda	rwanda	PROPN
ijosar-1126	734	7	:	:	PUNCT
ijosar-1126	734	8	a	a	DET
ijosar-1126	734	9	sectoral	sectoral	ADJ
ijosar-1126	734	10	overview	overview	NOUN
ijosar-1126	734	11	.	.	PUNCT
ijosar-1126	735	1	rwanda	rwanda	PROPN
ijosar-1126	735	2	fintech	fintech	NOUN
ijosar-1126	735	3	report	report	NOUN
ijosar-1126	735	4	,	,	PUNCT
ijosar-1126	735	5	8(1	8(1	NOUN
ijosar-1126	735	6	)	)	PUNCT
ijosar-1126	735	7	,	,	PUNCT
ijosar-1126	735	8	25–42	25–42	NUM
ijosar-1126	735	9	.	.	PUNCT
ijosar-1126	736	1	zhao	zhao	PROPN
ijosar-1126	736	2	,	,	PUNCT
ijosar-1126	736	3	h.	h.	PROPN
ijosar-1126	736	4	,	,	PUNCT
ijosar-1126	736	5	liu	liu	PROPN
ijosar-1126	736	6	,	,	PUNCT
ijosar-1126	736	7	y.	y.	PROPN
ijosar-1126	736	8	,	,	PUNCT
ijosar-1126	736	9	&	&	CCONJ
ijosar-1126	736	10	wang	wang	PROPN
ijosar-1126	736	11	,	,	PUNCT
ijosar-1126	736	12	m.	m.	NOUN
ijosar-1126	736	13	(	(	PUNCT
ijosar-1126	736	14	2020	2020	NUM
ijosar-1126	736	15	)	)	PUNCT
ijosar-1126	736	16	.	.	PUNCT
ijosar-1126	737	1	fintech	fintech	NOUN
ijosar-1126	737	2	and	and	CCONJ
ijosar-1126	737	3	sme	sme	NOUN
ijosar-1126	737	4	financing	financing	NOUN
ijosar-1126	737	5	in	in	ADP
ijosar-1126	737	6	the	the	DET
ijosar-1126	737	7	digital	digital	ADJ
ijosar-1126	737	8	era	era	NOUN
ijosar-1126	737	9	.	.	PUNCT
ijosar-1126	738	1	journal	journal	NOUN
ijosar-1126	738	2	of	of	ADP
ijosar-1126	738	3	economic	economic	ADJ
ijosar-1126	738	4	perspectives	perspective	NOUN
ijosar-1126	738	5	,	,	PUNCT
ijosar-1126	738	6	34(4	34(4	NUM
ijosar-1126	738	7	)	)	PUNCT
ijosar-1126	738	8	,	,	PUNCT
ijosar-1126	738	9	95–120	95–120	X
ijosar-1126	738	10	.	.	PUNCT
ijosar-1126	738	11	ijo	ijo	PROPN
ijosar-1126	738	12	journals	journal	NOUN
ijosar-1126	738	13	volume	volume	NOUN
ijosar-1126	738	14	08	08	NUM
ijosar-1126	739	1	|	|	ADV
ijosar-1126	739	2	issue	issue	NOUN
ijosar-1126	739	3	08	08	NUM
ijosar-1126	740	1	|	|	ADV
ijosar-1126	740	2	august	august	PROPN
ijosar-1126	740	3	2025	2025	NUM
ijosar-1126	741	1	|	|	ADV
ijosar-1126	741	2	https://ijojournals.com/index.php/ssh/index	https://ijojournals.com/index.php/ssh/index	NOUN
ijosar-1126	741	3	113	113	NUM
ijosar-1126	741	4	https://www.weforum.org/reports/the-future-of	https://www.weforum.org/reports/the-future-of	NOUN