id	domain	url
ijtc-1512	www.ilomata.org	https://www.ilomata.org/index.php/ijtc
ijtc-1512	doi.org	https://doi.org/10.61194/ijtc.v6i1.1512
ijtc-1512	www.ilomata.org	https://www.ilomata.org/index.php/ijtc
ijtc-1512	doi.org	https://doi.org/10.61194/ijtc.v6i1.1512
ijtc-1512	www.ilomata.org	https://www.ilomata.org/index.php/ijtc
ijtc-1512	www.ilomata.org	https://www.ilomata.org/index.php/ijtc
ijtc-1512	www.ilomata.org	https://www.ilomata.org/index.php/ijtc
ijtc-1512	www.ilomata.org	https://www.ilomata.org/index.php/ijtc
ijtc-1512	www.ilomata.org	https://www.ilomata.org/index.php/ijtc
ijtc-1512	www.ilomata.org	https://www.ilomata.org/index.php/ijtc
ijtc-1512	www.ilomata.org	https://www.ilomata.org/index.php/ijtc
ijtc-1512	www.ilomata.org	https://www.ilomata.org/index.php/ijtc
ijtc-1512	www.ilomata.org	https://www.ilomata.org/index.php/ijtc
ijtc-1512	www.ilomata.org	https://www.ilomata.org/index.php/ijtc
ijtc-1512	www.ilomata.org	https://www.ilomata.org/index.php/ijtc
ijtc-1512	www.ilomata.org	https://www.ilomata.org/index.php/ijtc
ijtc-1512	www.ilomata.org	https://www.ilomata.org/index.php/ijtc
ijtc-1512	www.ilomata.org	https://www.ilomata.org/index.php/ijtc
ijtc-1512	www.ilomata.org	https://www.ilomata.org/index.php/ijtc
ijtc-1512	www.ilomata.org	https://www.ilomata.org/index.php/ijtc
ijtc-1512	www.ilomata.org	https://www.ilomata.org/index.php/ijtc
ijtc-1512	www.ilomata.org	https://www.ilomata.org/index.php/ijtc
ijtc-1512	www.ilomata.org	https://www.ilomata.org/index.php/ijtc
ijtc-1512	www.ilomata.org	https://www.ilomata.org/index.php/ijtc
ijtc-1512	www.ilomata.org	https://www.ilomata.org/index.php/ijtc
ijtc-1512	www.ilomata.org	https://www.ilomata.org/index.php/ijtc
ijtc-1512	saims.org	https://saims.org/wp-content/uploads/2024/01/saims-2023-proceedings.pdf#page=571
ijtc-1512	www.ilomata.org	https://www.ilomata.org/index.php/ijtc
ijtc-1512	www.ilomata.org	https://www.ilomata.org/index.php/ijtc
ijtc-1512	ujcontent.uj.ac.za	https://ujcontent.uj.ac.za/view/pdfcoverpage?instcode=27uoj_inst&filepid=135671740007691&download=true
ijtc-1512	www.imf.org	https://www.imf.org/~/media/files/publications/covid19-special-notes/en-special-series-on-covid-19-digital-financial-services-and-the-pandemic.ashx?la=en&utm_medium=email&utm_source=govdelivery
ijtc-1512	onlinelibrary.wiley.com	https://onlinelibrary.wiley.com/doi/pdf/10.1111/joes.12372
ijtc-1512	ieeexplore.ieee.org	https://ieeexplore.ieee.org/iel7/6287639/6514899/09514868.pdf
ijtc-1512	link.springer.com	https://link.springer.com/content/pdf/10.1007/s11698-021-00235-4.pdf
ijtc-1512	growingscience.com	http://growingscience.com/ijds/vol6/ijdns_2022_75.pdf
ijtc-1512	www.sipotra.it	https://www.sipotra.it/wp-content/uploads/2021/01/a-game-changer-in-payment-habits-evidence-from-daily-data-during-a-pandemic.pdf
ijtc-1512	www.frontiersin.org	https://www.frontiersin.org/journals/public-health/articles/10.3389/fpubh.2023.1199381/pdf
ijtc-1512	sajesbm.co.za	https://sajesbm.co.za/index.php/sajesbm/article/download/373/509
ijtc-1512	www.bis.org	https://www.bis.org/publ/qtrpdf/r_qt2003j.htm?source=content_type%3areact%7cfirst_level_url%3aarticle%7csection%3amain_content%7cbutton%3abody_link
ijtc-1512	www.econstor.eu	https://www.econstor.eu/bitstream/10419/229473/1/cesifo1_wp8655.pdf
ijtc-1512	eprints.soas.ac.uk	https://eprints.soas.ac.uk/36088/1/measuring%20financial%20inclusion_final_soas_repository.pdf
ijtc-1512	www.ilomata.org	https://www.ilomata.org/index.php/ijtc
ijtc-1512	doi.org	https://doi.org/10.3390/electronics11193252
ijtc-1512	ecdpm.org	https://ecdpm.org
ijtc-1512	www.researchgate.net	https://www.researchgate.net
ijtc-1512	www.uj.ac.za	https://www.uj.ac.za
ijtc-1512	www.tandfonline.com	https://www.tandfonline.com
ijtc-1512	www.tandfonline.com	https://www.tandfonline.com
ijtc-1512	www.wiley.com	https://www.wiley.com
ijtc-1512	www.researchgate.net	https://www.researchgate.net
ijtc-1512	www.ilomata.org	https://www.ilomata.org/index.php/ijtc
ijtc-1512	www.sciencedirect.com	https://www.sciencedirect.com/science/article/am/pii/s0305750x21000346
ijtc-1512	www.bis.org	https://www.bis.org/publ/qtrpdf/r_qt2003h.htm
ijtc-1512	library.oapen.org	https://library.oapen.org/bitstream/handle/20.500.12657/47398/1/9783034342919.pdf#page=17
ijtc-1512	ecdpm.org	https://ecdpm.org
ijtc-1512	www.researchgate.net	https://www.researchgate.net
ijtc-1512	www.uj.ac.za	https://www.uj.ac.za
ijtc-1512	www.tandfonline.com	https://www.tandfonline.com
ijtc-1512	www.tandfonline.com	https://www.tandfonline.com
ijtc-1512	www.wiley.com	https://www.wiley.com
ijtc-1512	www.researchgate.net	https://www.researchgate.net
ijtc-1512	www.ilomata.org	https://www.ilomata.org/index.php/ijtc
ijtc-1512	www.yale.edu	https://www.yale.edu
ijtc-1512	www.springer.com	https://www.springer.com
ijtc-1512	www.up.ac.za	https://www.up.ac.za
ijtc-1512	www.nwu.ac.za	https://www.nwu.ac.za
ijtc-1512	www.emerald.com	https://www.emerald.com
ijtc-1512	www.academia.edu	https://www.academia.edu
ijtc-1512	www.nih.gov	https://www.nih.gov
ijtc-1512	www.aeaweb.org	https://www.aeaweb.org
ijtc-1512	www.resbank.co.za	https://www.resbank.co.za
ijtc-1512	www.plos.org	https://www.plos.org
ijtc-1512	www.ilomata.org	https://www.ilomata.org/index.php/ijtc
ijtc-1512	www.yale.edu	https://www.yale.edu
ijtc-1512	www.springer.com	https://www.springer.com
ijtc-1512	www.up.ac.za	https://www.up.ac.za
ijtc-1512	www.nwu.ac.za	https://www.nwu.ac.za
ijtc-1512	www.emerald.com	https://www.emerald.com
ijtc-1512	www.academia.edu	https://www.academia.edu
ijtc-1512	www.nih.gov	https://www.nih.gov
ijtc-1512	www.aeaweb.org	https://www.aeaweb.org
ijtc-1512	www.resbank.co.za	https://www.resbank.co.za
ijtc-1512	www.plos.org	https://www.plos.org
ijtc-1512	www.ilomata.org	https://www.ilomata.org/index.php/ijtc
ijtc-1512	www.nber.org	https://www.nber.org
ijtc-1512	www.uchicago.edu	https://www.uchicago.edu
ijtc-1512	www.ual.es	https://www.ual.es
ijtc-1512	www.port.ac.uk	https://www.port.ac.uk
ijtc-1512	www.mckinsey.com	https://www.mckinsey.com
ijtc-1512	www.saarj.com	https://www.saarj.com
ijtc-1512	www.worldbank.org	https://www.worldbank.org
ijtc-1512	www.google.com	https://www.google.com
ijtc-1512	www.ecdpm.org	https://www.ecdpm.org
ijtc-1512	www.frontiersin.org	https://www.frontiersin.org
ijtc-1512	www.ilomata.org	https://www.ilomata.org/index.php/ijtc
ijtc-1512	www.nber.org	https://www.nber.org
ijtc-1512	www.uchicago.edu	https://www.uchicago.edu
ijtc-1512	www.ual.es	https://www.ual.es
ijtc-1512	www.port.ac.uk	https://www.port.ac.uk
ijtc-1512	www.mckinsey.com	https://www.mckinsey.com
ijtc-1512	www.saarj.com	https://www.saarj.com
ijtc-1512	www.worldbank.org	https://www.worldbank.org
ijtc-1512	www.google.com	https://www.google.com
ijtc-1512	www.ecdpm.org	https://www.ecdpm.org
ijtc-1512	www.frontiersin.org	https://www.frontiersin.org
ijtc-1512	www.ilomata.org	https://www.ilomata.org/index.php/ijtc
ijtc-1512	www.icm.edu.pl	https://www.icm.edu.pl
ijtc-1512	www.mdpi.com	https://www.mdpi.com
ijtc-1512	www.degruyter.com	https://www.degruyter.com
ijtc-1512	www.nature.com	https://www.nature.com
ijtc-1512	www.hku.hk	https://www.hku.hk
ijtc-1512	www.wiley.com	https://www.wiley.com
ijtc-1512	www.nwu.ac.za	https://www.nwu.ac.za
ijtc-1512	www.greo.ca	https://www.greo.ca
ijtc-1512	www.emerald.com	https://www.emerald.com
ijtc-1512	www.mdpi.com	https://www.mdpi.com
ijtc-1512	www.ictworks.org	https://www.ictworks.org
ijtc-1512	www.ueh.edu.vn	https://www.ueh.edu.vn
ijtc-1512	www.researchgate.net	https://www.researchgate.net
ijtc-1512	www.ilomata.org	https://www.ilomata.org/index.php/ijtc
ijtc-1512	www.icm.edu.pl	https://www.icm.edu.pl
ijtc-1512	www.mdpi.com	https://www.mdpi.com
ijtc-1512	www.degruyter.com	https://www.degruyter.com
ijtc-1512	www.nature.com	https://www.nature.com
ijtc-1512	www.hku.hk	https://www.hku.hk
ijtc-1512	www.wiley.com	https://www.wiley.com
ijtc-1512	www.nwu.ac.za	https://www.nwu.ac.za
ijtc-1512	www.greo.ca	https://www.greo.ca
ijtc-1512	www.emerald.com	https://www.emerald.com
ijtc-1512	www.mdpi.com	https://www.mdpi.com
ijtc-1512	www.ictworks.org	https://www.ictworks.org
ijtc-1512	www.ueh.edu.vn	https://www.ueh.edu.vn
ijtc-1512	www.researchgate.net	https://www.researchgate.net
ijtc-1512	www.ilomata.org	https://www.ilomata.org/index.php/ijtc
ijtc-1512	www.cgdev.org	https://www.cgdev.org
ijtc-1512	www.scielo.org.za	https://www.scielo.org.za
ijtc-1512	www.mdpi.com	https://www.mdpi.com
ijtc-1512	www.unc.edu	https://www.unc.edu
ijtc-1512	www.lppmunsera.org	https://www.lppmunsera.org
ijtc-1512	www.wiley.com	https://www.wiley.com
ijtc-1512	www.wiley.com	https://www.wiley.com
ijtc-1512	www.sagepub.com	https://www.sagepub.com
ijtc-1512	www.academia.edu	https://www.academia.edu
ijtc-1512	www.researchgate.net	https://www.researchgate.net
ijtc-1512	www.ilomata.org	https://www.ilomata.org/index.php/ijtc
ijtc-1512	www.cgdev.org	https://www.cgdev.org
ijtc-1512	www.scielo.org.za	https://www.scielo.org.za
ijtc-1512	www.mdpi.com	https://www.mdpi.com
ijtc-1512	www.unc.edu	https://www.unc.edu
ijtc-1512	www.lppmunsera.org	https://www.lppmunsera.org
ijtc-1512	www.wiley.com	https://www.wiley.com
ijtc-1512	www.wiley.com	https://www.wiley.com
ijtc-1512	www.sagepub.com	https://www.sagepub.com
ijtc-1512	www.academia.edu	https://www.academia.edu
ijtc-1512	www.researchgate.net	https://www.researchgate.net
ijtc-1512	www.ilomata.org	https://www.ilomata.org/index.php/ijtc
ijtc-1512	www.harvard.edu	https://www.harvard.edu
ijtc-1512	www.brookings.edu	https://www.brookings.edu
ijtc-1512	www.plos.org	https://www.plos.org
ijtc-1512	www.imf.org	https://www.imf.org
ijtc-1512	www.uct.ac.za	https://www.uct.ac.za
ijtc-1512	www.carnegieendowment.org	https://www.carnegieendowment.org
ijtc-1512	www.springer.com	https://www.springer.com
ijtc-1512	www.researchgate.net	https://www.researchgate.net
ijtc-1512	www.springer.com	https://www.springer.com
ijtc-1512	www.sciencedirect.com	https://www.sciencedirect.com
ijtc-1512	www.nida.ac.th	https://www.nida.ac.th
ijtc-1512	www.ilomata.org	https://www.ilomata.org/index.php/ijtc
ijtc-1512	www.harvard.edu	https://www.harvard.edu
ijtc-1512	www.brookings.edu	https://www.brookings.edu
ijtc-1512	www.plos.org	https://www.plos.org
ijtc-1512	www.imf.org	https://www.imf.org
ijtc-1512	www.uct.ac.za	https://www.uct.ac.za
ijtc-1512	www.carnegieendowment.org	https://www.carnegieendowment.org
ijtc-1512	www.springer.com	https://www.springer.com
ijtc-1512	www.researchgate.net	https://www.researchgate.net
ijtc-1512	www.springer.com	https://www.springer.com
ijtc-1512	www.sciencedirect.com	https://www.sciencedirect.com
ijtc-1512	www.nida.ac.th	https://www.nida.ac.th
ijtc-1512	www.ilomata.org	https://www.ilomata.org/index.php/ijtc
ijtc-1512	www.researchgate.net	https://www.researchgate.net
ijtc-1512	www.sun.ac.za	https://www.sun.ac.za
ijtc-1512	www.uct.ac.za	https://www.uct.ac.za
ijtc-1512	www.lodz.pl	https://www.lodz.pl
ijtc-1512	www.researchgate.net	https://www.researchgate.net
ijtc-1512	www.researchgate.net	https://www.researchgate.net
ijtc-1512	www.frontiersin.org	https://www.frontiersin.org
ijtc-1512	www.dspace.unza.zm	https://www.dspace.unza.zm
ijtc-1512	www.dut.ac.za	https://www.dut.ac.za
ijtc-1512	www.journals.co.za	https://www.journals.co.za
ijtc-1512	www.ilomata.org	https://www.ilomata.org/index.php/ijtc
ijtc-1512	www.researchgate.net	https://www.researchgate.net
ijtc-1512	www.sun.ac.za	https://www.sun.ac.za
ijtc-1512	www.uct.ac.za	https://www.uct.ac.za
ijtc-1512	www.lodz.pl	https://www.lodz.pl
ijtc-1512	www.researchgate.net	https://www.researchgate.net
ijtc-1512	www.researchgate.net	https://www.researchgate.net
ijtc-1512	www.frontiersin.org	https://www.frontiersin.org
ijtc-1512	www.dspace.unza.zm	https://www.dspace.unza.zm
ijtc-1512	www.dut.ac.za	https://www.dut.ac.za
ijtc-1512	www.journals.co.za	https://www.journals.co.za
ijtc-1512	www.ilomata.org	https://www.ilomata.org/index.php/ijtc
ijtc-1512	www.europeanscience.org	https://www.europeanscience.org
ijtc-1512	www.sciencedirect.com	https://www.sciencedirect.com
ijtc-1512	www.mdpi.com	https://www.mdpi.com
ijtc-1512	www.pitt.edu	https://www.pitt.edu
ijtc-1512	www.umass.edu	https://www.umass.edu
ijtc-1512	www.sun.ac.za	https://www.sun.ac.za
ijtc-1512	www.nigerianjournalsonline.com	https://www.nigerianjournalsonline.com
ijtc-1512	www.fud.edu.ng	https://www.fud.edu.ng
ijtc-1512	www.uct.ac.za	https://www.uct.ac.za
ijtc-1512	www.ieee.org	https://www.ieee.org
ijtc-1512	www.ilomata.org	https://www.ilomata.org/index.php/ijtc
ijtc-1512	www.europeanscience.org	https://www.europeanscience.org
ijtc-1512	www.sciencedirect.com	https://www.sciencedirect.com
ijtc-1512	www.mdpi.com	https://www.mdpi.com
ijtc-1512	www.pitt.edu	https://www.pitt.edu
ijtc-1512	www.umass.edu	https://www.umass.edu
ijtc-1512	www.sun.ac.za	https://www.sun.ac.za
ijtc-1512	www.nigerianjournalsonline.com	https://www.nigerianjournalsonline.com
ijtc-1512	www.fud.edu.ng	https://www.fud.edu.ng
ijtc-1512	www.uct.ac.za	https://www.uct.ac.za
ijtc-1512	www.ieee.org	https://www.ieee.org
ijtc-1512	www.ilomata.org	https://www.ilomata.org/index.php/ijtc
ijtc-1512	www.cambridge.org	https://www.cambridge.org
ijtc-1512	www.worldbank.org	https://www.worldbank.org
ijtc-1512	www.plos.org	https://www.plos.org
ijtc-1512	www.up.ac.za	https://www.up.ac.za
ijtc-1512	www.mckinsey.com	https://www.mckinsey.com
ijtc-1512	www.nih.gov	https://www.nih.gov
ijtc-1512	www.polimi.it	https://www.polimi.it
ijtc-1512	www.uj.ac.za	https://www.uj.ac.za
ijtc-1512	www.core.ac.uk	https://www.core.ac.uk
ijtc-1512	www.springer.com	https://www.springer.com
ijtc-1512	www.mdpi.com	https://www.mdpi.com
ijtc-1512	www.mdpi.com	https://www.mdpi.com
ijtc-1512	www.ilomata.org	https://www.ilomata.org/index.php/ijtc
ijtc-1512	www.cambridge.org	https://www.cambridge.org
ijtc-1512	www.worldbank.org	https://www.worldbank.org
ijtc-1512	www.plos.org	https://www.plos.org
ijtc-1512	www.up.ac.za	https://www.up.ac.za
ijtc-1512	www.mckinsey.com	https://www.mckinsey.com
ijtc-1512	www.nih.gov	https://www.nih.gov
ijtc-1512	www.polimi.it	https://www.polimi.it
ijtc-1512	www.uj.ac.za	https://www.uj.ac.za
ijtc-1512	www.core.ac.uk	https://www.core.ac.uk
ijtc-1512	www.springer.com	https://www.springer.com
ijtc-1512	www.mdpi.com	https://www.mdpi.com
ijtc-1512	www.mdpi.com	https://www.mdpi.com
ijtc-1512	www.ilomata.org	https://www.ilomata.org/index.php/ijtc
ijtc-1512	www.tandfonline.com	https://www.tandfonline.com
ijtc-1512	www.researchgate.net	https://www.researchgate.net
ijtc-1512	www.uwc.ac.za	https://www.uwc.ac.za
ijtc-1512	www.mdpi.com	https://www.mdpi.com
ijtc-1512	www.sciencedirect.com	https://www.sciencedirect.com
ijtc-1512	www.dut.ac.za	https://www.dut.ac.za
ijtc-1512	www.wiley.com	https://www.wiley.com
ijtc-1512	www.opensecrets.org.za	https://www.opensecrets.org.za
ijtc-1512	www.nih.gov	https://www.nih.gov
ijtc-1512	www.imf.org	https://www.imf.org
ijtc-1512	www.nwu.ac.za	https://www.nwu.ac.za
ijtc-1512	www.ilomata.org	https://www.ilomata.org/index.php/ijtc
ijtc-1512	www.tandfonline.com	https://www.tandfonline.com
ijtc-1512	www.researchgate.net	https://www.researchgate.net
ijtc-1512	www.uwc.ac.za	https://www.uwc.ac.za
ijtc-1512	www.mdpi.com	https://www.mdpi.com
ijtc-1512	www.sciencedirect.com	https://www.sciencedirect.com
ijtc-1512	www.dut.ac.za	https://www.dut.ac.za
ijtc-1512	www.wiley.com	https://www.wiley.com
ijtc-1512	www.opensecrets.org.za	https://www.opensecrets.org.za
ijtc-1512	www.nih.gov	https://www.nih.gov
ijtc-1512	www.imf.org	https://www.imf.org
ijtc-1512	www.nwu.ac.za	https://www.nwu.ac.za
ijtc-1512	www.ilomata.org	https://www.ilomata.org/index.php/ijtc
ijtc-1512	journals.co.za	https://journals.co.za
ijtc-1512	uj.ac.za	https://uj.ac.za
ijtc-1512	doi.org	https://doi.org/10.1002/sres.2672
ijtc-1512	www.sciencedirect.com	https://www.sciencedirect.com
ijtc-1512	doi.org	https://doi.org/10.1007/978-3-030-96139-2_14
ijtc-1512	www.ilomata.org	https://www.ilomata.org/index.php/ijtc
ijtc-1512	journals.co.za	https://journals.co.za
ijtc-1512	uj.ac.za	https://uj.ac.za
ijtc-1512	www.sciencedirect.com	https://www.sciencedirect.com