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'October': [212, 244, 265, 780, 917, 932, 1020, 1041, 1060, 1363, 1464, 2123, 2665, 2696, 3335, 3839, 3854, 4163], '2021Fintech-based': [213], 'inclusion': [215, 247, 267, 463, 500, 566, 577, 590, 737, 783, 875, 1047, 1093, 1239, 1275, 1319, 1365, 1382, 1453, 1546, 1559, 1721, 1844, 2200, 2263, 2278, 2344, 2369, 2636, 2684, 2958, 3080, 3112, 3195, 3587], 'bank': [217, 518, 3578], 'risk-taking:': [218], 'Evidence': [219, 236, 395, 525, 535, 772, 905, 926, 950, 1178, 1258, 2171, 2551, 2561, 2879, 3230, 3260, 3306, 3343, 3431, 3445, 3457, 3753, 4192, 4290], 'OIC': [221, 805], 'countriesJournal': [222], 'International': [224, 749, 855, 1036, 1898, 2203, 2320, 2392, 2712, 2864], 'Markets,': [226, 1862, 2414], 'Institutions': [227, 3626, 3835], 'Money,': [229, 2094, 3337], 'Vol.75Does': [230], 'Promote': [233], 'Human': [234, 1915, 3287], 'Development?': [235], 'IndiaJindal': [238], 'Journal': [239, 258, 617, 687, 750, 826, 1034, 1081, 1100, 1620, 1646, 1667, 1733, 1913, 2048, 2060, 2204, 2226, 2285, 2348, 2373, 2411, 2621, 2691, 2786, 2816, 2829, 2845, 3087, 3188, 3898, 3939, 4135, 4318], 'Business': [241, 313, 1282, 1389, 1459, 1690, 1834, 1848, 2771, 2795, 2891, 3013], 'Research,': [242, 1267, 1342, 1390, 2741, 3332], 'Vol.117': [243], '2021Does': [245], 'enhance': [248, 715], 'economic': [249, 664, 681, 877, 1434, 2265, 3126], 'growth?': [250], 'Empirical': [251, 343, 741, 1872, 2170, 2389, 4191], 'evidence': [252, 270, 1078, 1437, 1580, 1873, 2223, 2405, 3327], 'IsDB': [255], 'member': [256], 'countriesInternational': [257], 'Finance': [260, 368, 433, 641, 689, 828, 858, 1087, 1106, 2155, 2232, 2645, 2910, 2936, 3311, 3366, 3665, 3773, 3806], '&': [261, 512, 690, 829, 1229, 1460, 1477, 1585, 2971, 3605, 3807, 4324], 'Economics,': [262, 276, 621, 691, 777, 830, 1605, 1753, 2288, 2376, 2694, 2731, 3090, 3217, 3236, 3582, 3885], 'Vol.26,': [263, 2307], 'No.418': [264], '2020Financial': [266, 352, 676, 900, 1042, 1061, 1165, 1431, 1465, 1720], 'poverty:': [269], 'Turkish': [272], 'household': [273, 2421, 3223], 'survey': [274], 'dataApplied': [275], 'Vol.5130': [277], 'September': [278, 299, 516, 585, 608, 675, 1394, 1608, 1838, 2522, 2734, 2775, 2923, 3135, 3152, 3297, 3391, 3398, 3407, 3418], '2021Moderating': [279], 'role': [280, 1305, 2357, 2963, 3318], 'social': [282, 2359, 2965, 3935], 'capital': [283, 1573, 2360], 'effect': [286, 814], 'behavior': [289, 1473], 'inclusionProblems': [292], 'Perspectives': [294, 3613], 'Management,': [296, 1089, 1108, 1461, 1669, 1691, 2234, 3928], 'Vol.19,': [297, 1650, 3640], 'No.328': [298], '2021On': [300, 755], 'Ethical': [301], 'Violations': [302], 'Microfinance': [304, 713, 3068, 3625, 3834, 4293, 4314], 'Backed': [305], 'Small': [306, 1689], 'Businesses:': [307, 1683], 'Family': [308, 2949, 3155, 3530, 4281], 'Household': [310, 2598, 3340, 3448], 'WelfareJournal': [311], 'Ethics,': [314], 'Vol.172,': [315], 'No.48': [316, 3121], 'April': [317, 373, 639, 655, 1416, 1430, 1756, 1880, 1919, 2099, 2116, 2759, 2886, 3300, 3568, 3622, 4278, 4321], '2020Mobile': [318, 1289], 'money': [319, 376, 380, 444, 1290, 2438, 2764, 3099, 3908], 'demand': [320], 'utility': [322], 'bill': [323], 'payments:': [324], 'A': [325, 480, 594, 678, 966, 1351, 1566, 1614, 1828, 1908, 2108, 2254, 2429, 2723, 3208, 3246, 3278, 3289, 3634, 3952, 3994, 4039, 4213], 'WTP': [326], 'estimates': [327], 'EthiopiaJournal': [329], 'Development': [331, 776, 880, 1648, 1752, 2506, 2788, 3540, 3646, 4009, 4085, 4116, 4333], 'Effectiveness,': [332, 881], 'Vol.6111': [333], 'August': [334, 911, 1187, 2716, 2975, 3179, 3220, 3252, 3642], '2021Financial': [335, 455, 499, 565], 'Stability:': [338, 3245], 'Review': [339, 2943, 3954, 4215], 'Theoretical': [341, 3995, 4148], 'LinksThe': [344], 'World': [345, 671], 'Bank': [346, 1206, 2062, 2606, 2661, 2699, 2801, 2818, 3722, 3900], 'Observer,': [348], 'Vol.36,': [349, 1639, 2866], 'No.22': [350, 1718], 'December': [351, 863, 1001, 1543, 1589, 1626, 1813, 2054, 2134, 2611, 2940, 3122, 3371], 'Inclusion,': [353, 2524, 3057, 3204, 3427, 3475], 'Literacy': [355, 1062, 2125, 2317], 'Economically': [357], 'Vulnerable': [358], 'Populations': [359], 'Middle': [362, 1085, 1104, 2230], 'East': [363, 669], 'North': [365], 'AfricaEmerging': [366, 3309], 'Markets': [367, 857, 1155, 3310, 3365, 3377], 'Trade,': [370, 860, 3313, 3368], 'Vol.57,': [371, 861, 1692], 'No.922': [372], '2019Law,': [374], 'mobile': [375, 379, 443, 592, 759, 2437, 2763, 3098, 3907], 'drivers': [377], 'innovations': [381, 761, 1629], 'developing': [383, 397, 2407, 3575], 'countriesTechnological': [384], 'Forecasting': [385], 'Social': [387, 747, 1230, 1876, 2287, 2375, 2693, 3089, 3618, 3943, 4202], 'Change,': [388, 4143], 'Vol.168Do': [389], 'digital': [390, 461], 'payment': [391, 3325], 'transactions': [392], 'reduce': [393, 1277], 'corruption?': [394], 'countriesTelematics': [398], 'Informatics,': [400], 'Vol.60The': [401], 'Impact': [402, 610, 2247, 2540, 2916, 3143, 3470, 3856, 4018, 4056], 'Economic': [407, 581, 651, 808, 852, 1017, 1374, 1535, 1635, 2168, 2274, 2623, 2831, 2847, 2951, 3304, 3363, 3488, 3564, 3595, 3850, 4156], 'Growth': [408, 644, 2487, 3022, 3205, 3489], 'Income': [410, 1522, 3360, 3958, 4252], 'Inequalityİnsan': [411], 've': [412, 628, 636, 2336], 'Toplum': [413], 'Bilimleri': [414], 'Araştırmaları': [415], 'Dergisi,': [416], 'Vol.10,': [417, 2208, 2276, 4075], 'No.230': [418], 'June': [419, 437, 454, 471, 498, 545, 709, 754, 1288, 1795, 2509, 3269, 3283, 3384, 3654], '2021Increasing': [420], 'rice': [421], 'productivity': [422, 1322], 'Ghana:': [424, 2314, 2641], 'Do': [425, 3817], 'savings': [426, 2078], 'with': [427, 1563, 1807, 3257], 'rural': [428, 769, 2044, 2058, 2371, 2656, 2968, 3503, 3924], 'community': [430, 2073], 'banks': [431], 'matter?Agricultural': [432], 'Review,': [434, 561, 809, 1018, 1360, 1570, 1849, 2137, 2646, 2756, 2772, 2990, 3119, 3176, 3565, 3851], 'Vol.ahead-of-print,': [435], 'No.ahead-of-print29': [436], '2021Mobile': [438], 'technology': [439, 4123], 'supply': [440], 'factors': [441, 3517], 'innovation:': [445, 890], 'thresholds': [446], 'for': [447, 762, 873, 893, 979, 1114, 1335, 1426, 1501, 1525, 1621, 1761, 1822, 1830, 2105, 2512, 2549, 2750, 2903, 2985, 3078, 3128, 3328, 3388, 3440, 3442, 3468, 3690, 3743, 3949, 4032, 4170, 4210, 4269], 'complementary': [448], 'policiesJournal': [449], 'Banking': [451, 924, 1927, 1966, 1986, 2728, 2872, 3214, 3604, 3689, 3701, 3764], 'Regulation,': [452, 2525, 3477], 'Vol.2119': [453], 'untouchability:': [456], 'polysemic': [458], 'narrative': [459], "Modi's": [465], 'IndiaJournal': [466, 3528], 'Cultural': [468], 'Economy,': [469, 672, 1793], 'Vol.315': [470], '2021The': [472, 812], 'Relationship': [473, 3358], 'between': [474, 1656, 2364, 2682, 3556, 3778], 'Monetary': [478, 2252, 3402, 3581, 3680], 'Policy:': [479, 2253], 'Comparative': [481, 3235], 'Study': [482, 1615, 1909, 2109, 2256, 3247, 3349], "Countries'": [484, 2718], 'Sub-Saharan': [486, 1727, 2427, 3085, 3150, 3308, 3837, 3869], 'Africa': [487, 2842], 'Latin': [489, 1241, 4104], 'America': [490], 'CaribbeanJournal': [493], 'African': [495, 685, 844, 1056, 1183, 1749, 2505, 2658, 3771, 3779, 4263], 'Business,': [496, 845, 1184], 'Vol.1910': [497], 'dynamics': [501, 2761], 'Southeast': [503, 2473], 'Asia:': [504, 2474], 'An': [505, 854, 2187, 2388, 2863], 'empirical': [506, 2643, 2769], 'investigation': [507], 'three': [509], 'countriesBUSINESS': [510], 'STRATEGY': [511], 'DEVELOPMENT,': [513], 'Vol.4,': [514, 2468, 3809], 'No.210': [515, 3567], '2020Foreign': [517], 'presence,': [519], 'institutional': [520], 'quality,': [521], 'inclusion:': [524, 677, 1077, 2141, 2222, 2441, 3169], 'AfricaEconomic': [527], 'Modelling,': [528], 'Vol.139Digital': [529], 'redlining': [530], 'fintech': [533], 'marketplace:': [534], 'US': [537], 'zip': [538], 'codesJournal': [539], 'Consumer': [541, 2050, 4185], 'Affairs,': [542, 605], 'Vol.55,': [543], 'No.219': [544, 2774], '2021Inflation': [546], 'Cross-National': [548], 'Homicide:': [549], 'Assessing': [550], 'Nonlinear': [551], 'Moderation': [553], 'Effects': [554, 1652, 3841], 'Across': [555], '65': [556], 'Countries,': [557], '1965–2015International': [558], 'Criminal': [559], 'Justice': [560], 'No.27': [563, 2053], 'January': [564, 811, 832, 1214, 1270, 1481, 1694, 2216, 2396, 2591, 2634, 2907, 3316, 3512, 3554, 3599, 4077], 'determinants': [567, 1094, 1556, 3109], 'impediments': [569], 'India:': [571, 965, 1907, 2671, 3000, 3197, 3683], 'insights': [572], 'global': [575, 3592], 'indexJournal': [578], 'Policy,': [582, 1375, 2275, 3072, 3104, 3944], 'Vol.13,': [583, 882, 1090, 1109, 1917, 2415, 3510], 'No.317': [584], '2020Can': [586], 'policymakers': [587], 'push': [588], 'through': [591, 1528, 2445], 'telephony?': [593], 'qualitative': [595], 'inquiry': [596], 'among': [597, 838, 1295, 1805, 2057], 'Indian': [598, 2191, 3895], '"urban': [599], 'poor"': [600], 'during': [601, 3227, 3590], 'demonetizationJournal': [602], 'Public': [604, 1602, 2192, 2667, 3882], 'Vol.21,': [606, 1185, 3267], 'No.221': [607, 3296, 3370], '2020The': [609, 1137, 1404], 'Poverty': [615, 1253, 1884, 2736, 2927, 3148, 4234], 'ReductionAsian': [616], 'Law': [619], 'Vol.12,': [622, 1376, 2663, 3552], 'No.117': [623, 2992], 'February': [624, 884, 2086, 2470, 3963], '2021Finansal': [625], 'Katılım': [626], 'Düzeyi': [627], 'Belirleyicileri': [629], 'Üzerine': [630], 'Ampirik': [631], 'Bir': [632], 'Araştırma:': [633], 'Türkiye': [634], 'ÖrneğiMuhasebe': [635], 'Finansman': [637], 'Dergisi9': [638], '2021Housing': [640], 'Inclusive': [643], 'Africa:': [646, 1367, 1728, 3131], 'Benchmarking,': [647], 'Determinants': [648, 834, 2310], 'EffectsInternational': [650], 'Journal,': [652, 942, 956, 1505, 1878, 2865, 4107], 'Vol.35,': [653, 2757, 2820, 2991], 'No.228': [654, 3621], '2021Heterogeneity': [656], 'institutions': [659, 1043, 1868], 'process': [662], 'monetary': [666], 'integration': [667], 'AsiaThe': [670], 'Vol.44,': [673, 1624, 1775, 3237, 4144], 'No.424': [674], 'pathway': [679], 'growth': [682, 1747, 2266], 'Sub‐Saharan': [684], 'economiesInternational': [686], 'Vol.324': [692], 'March': [693, 1164, 1719, 1924, 2870, 2946, 3193, 3931, 3977, 4110], '2021Algorithmic': [694], 'Fairness': [695, 1483], 'Mortgage': [697, 1485], 'Lending:': [698, 1486], 'Absolute': [700, 1488], 'Conditions': [701, 1489], 'Relational': [703, 1491], 'Trade-offsMinds': [704], 'Machines,': [706], 'No.19': [708], '2020Designing': [710], 'sustainable': [711], 'Islamic': [712, 1072, 1083, 1102, 1386, 1548, 1551, 2153, 2206, 2228, 2935, 3652], 'accessibility': [717], 'poor': [719, 2960, 3082], 'borrowers': [720], 'Indonesia:': [722, 1096, 3411], 'appreciative': [724], 'intelligence': [725], 'approachIOP': [726], 'Conference': [727], 'Series:': [728], 'Earth': [729], 'Environmental': [731], 'Science,': [732], 'Vol.716,': [733], 'No.1Impact': [734], 'stability:': [740], 'theoretical': [743], 'reviewLiberal': [744], 'Arts': [745], 'Sciences': [748, 1231], '(LASSIJ),': [751], 'Vol.5,': [752, 1039, 2973, 3535, 3566], 'No.130': [753, 1918], 'diffusion': [757], 'phone': [760], 'inclusionTechnology': [764], 'Society,': [766], 'Vol.48Remittances': [767], 'markets:': [771], 'SenegalReview': [774], 'Vol.25,': [778], 'No.15': [779], '2020Has': [781], 'made': [784], 'sector': [787, 1724, 2613], 'riskier?Journal': [788], 'Regulation': [791, 2304], 'Compliance,': [793, 2306], 'Vol.29,': [794, 2714, 3161], 'No.3FINANCIAL': [795], 'INCLUSION,': [796], 'INSTITUTIONAL': [797], 'QUALITY': [798], 'AND': [799, 1005, 1014, 1191], 'FINANCIAL': [800, 993, 1006, 1012, 1222], 'DEVELOPMENT:': [801], 'EMPIRICAL': [802], 'EVIDENCE': [803], 'FROM': [804, 1194], 'COUNTRIESThe': [806], 'Singapore': [807, 1016], 'Vol.1089': [810], 'mitigating': [813], 'governance': [816], 'quality': [817], 'finance‐renewable': [820], 'energy‐growth': [821], 'nexus:': [822], 'Some': [823], 'international': [824, 4094], 'evidenceInternational': [825], 'Vol.1203': [831], '2021Empirical': [833], 'Saving': [836, 2312, 3455], 'Habits': [837, 3820], 'Commercial': [839], 'Drivers': [840, 2160], 'GhanaJournal': [842, 3050], 'Vol.22,': [846, 1314, 1329, 1541, 3191], 'No.122': [847, 3334], 'November': [848, 1201, 1345, 1672, 1902, 2483, 2678, 2993, 3075, 3677, 3793, 3811], '2019Financial': [849, 1364, 2124], 'GROWTH:': [853], 'EvidenceEmerging': [856], 'No.16': [862, 1287], '2019Credit': [864], 'cards': [865], 'issued': [866], 'non-financial': [868], 'companies:': [869], 'alternative': [871], 'tool': [872], 'development?Journal': [878], 'No.116': [883], '2021Access': [885], 'services': [888, 1113, 2070, 2654, 2765, 2840, 3909, 4102], 'firm-level': [891], 'EthiopiaInnovation': [894], 'Development,': [896, 1328, 1899, 1916, 2245, 2321, 2393, 2434, 2713, 3347, 3824, 3871], 'Vol.11,': [897, 1391, 1553, 1717, 1863, 2235], 'No.131': [898], 'July': [899, 1136, 1235, 1403, 2129, 2339, 2897], 'Welfare:': [903, 3341], 'New': [904, 1138, 2451, 2536, 2724], 'Role': [908, 1405, 2933, 3650], 'Government30': [910], '2021Expanding': [912], 'Access': [913, 3302, 3467, 4268, 4305], 'Services19': [916], '2021Demographic': [918], 'Discriminators': [919], 'Adoption': [922, 1531], 'Services:': [925], 'Primitive': [929], 'Tribal': [930], 'Households5': [931], '2021Has': [933], 'Made': [936], 'Sector': [939, 4328, 4332], 'Riskier?SSRN': [940], 'Electronic': [941, 955, 974, 1493, 1504, 2163, 2177, 2196, 2533, 2542, 2555, 2567, 2579, 3008, 3018, 3028, 3435, 3450, 3462, 3473, 3482, 3494, 3718, 3732, 3746, 3759, 3768, 3790, 3983, 3989, 4000, 4011, 4025, 4035, 4042, 4054, 4181, 4198, 4206, 4218, 4237, 4258, 4272, 4284, 4295, 4302, 4317], 'Vol.24Are': [943], 'Mobile': [944, 1064, 1498, 1529, 2571, 3380, 3452, 3695, 3700, 3709, 3772, 4029], 'Money': [945, 1530, 2572, 3453, 3710, 3965], 'Accounts': [948], 'Complementary?': [949], 'WAEMU': [953], 'RegionSSRN': [954], 'Vol.33Determinants': [957], 'Self-Help': [959], 'Groups': [960], 'lending': [961], 'Enterprises': [963, 1664, 2490, 3025], 'Predictive': [967], 'Assessment': [968], 'using': [969, 1438], 'Supervised': [970], 'Machine': [971, 1420], 'Learning': [972, 1421], 'AlgorithmsSSRN': [973], 'JournalA': [975, 3760, 4296], 'Survey': [976, 3006], 'KYC/AML': [978], 'Cryptocurrencies': [980], 'TransactionsMobile': [981], 'ServicesFinancing': [983], 'Millennials': [984, 2593], 'Developing': [986, 1171, 1888, 2386, 2595, 3433, 3460, 3716, 3730, 4023, 4068], 'EconomiesA': [987], 'GLIMPSE': [988], 'INTO': [989], 'THE': [990, 1008, 1195, 1218, 1224, 1593], 'LEVEL': [991], 'OF': [992, 999, 1011, 1595], 'INCLUSION': [994], 'IN': [995, 1221, 3879], 'TRIPURAPARIPEX': [996], 'INDIAN': [997], 'JOURNAL': [998], 'RESEARCH15': [1000], '2020LINKING': [1002], 'HARMONIOUS': [1003], 'CSR': [1004], 'INCLUSION:': [1007, 1223], 'MODERATING': [1009], 'EFFECTS': [1010], 'LITERACY': [1013], 'INCOMEThe': [1015], 'Vol.2727': [1019], '2020Analysis': [1021], 'Variables': 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