id	sid	tid	token	lemma	pos
0p096685w50	1	1	financial	financial	ADJ
0p096685w50	1	2	inclusion	inclusion	NOUN
0p096685w50	1	3	has	have	AUX
0p096685w50	1	4	grown	grow	VERB
0p096685w50	1	5	in	in	ADP
0p096685w50	1	6	importance	importance	NOUN
0p096685w50	1	7	as	as	ADP
0p096685w50	1	8	a	a	DET
0p096685w50	1	9	policy	policy	NOUN
0p096685w50	1	10	goal	goal	NOUN
0p096685w50	1	11	,	,	PUNCT
0p096685w50	1	12	both	both	PRON
0p096685w50	1	13	as	as	ADP
0p096685w50	1	14	an	an	DET
0p096685w50	1	15	end	end	NOUN
0p096685w50	1	16	and	and	CCONJ
0p096685w50	1	17	as	as	ADP
0p096685w50	1	18	a	a	DET
0p096685w50	1	19	means	means	NOUN
0p096685w50	1	20	to	to	ADP
0p096685w50	1	21	eradicating	eradicate	VERB
0p096685w50	1	22	poverty	poverty	NOUN
0p096685w50	1	23	and	and	CCONJ
0p096685w50	1	24	achieving	achieve	VERB
0p096685w50	1	25	10	10	NUM
0p096685w50	1	26	of	of	ADP
0p096685w50	1	27	the	the	DET
0p096685w50	1	28	17	17	NUM
0p096685w50	1	29	sustainable	sustainable	ADJ
0p096685w50	1	30	development	development	NOUN
0p096685w50	1	31	goals	goal	NOUN
0p096685w50	1	32	.	.	PUNCT
0p096685w50	2	1	in	in	ADP
0p096685w50	2	2	particular	particular	ADJ
0p096685w50	2	3	,	,	PUNCT
0p096685w50	2	4	digital	digital	ADJ
0p096685w50	2	5	payments	payment	NOUN
0p096685w50	2	6	have	have	AUX
0p096685w50	2	7	revolutionized	revolutionize	VERB
0p096685w50	2	8	the	the	DET
0p096685w50	2	9	way	way	NOUN
0p096685w50	2	10	financial	financial	ADJ
0p096685w50	2	11	services	service	NOUN
0p096685w50	2	12	are	be	AUX
0p096685w50	2	13	provided	provide	VERB
0p096685w50	2	14	and	and	CCONJ
0p096685w50	2	15	have	have	VERB
0p096685w50	2	16	the	the	DET
0p096685w50	2	17	potential	potential	NOUN
0p096685w50	2	18	to	to	PART
0p096685w50	2	19	expand	expand	VERB
0p096685w50	2	20	financial	financial	ADJ
0p096685w50	2	21	inclusion	inclusion	NOUN
0p096685w50	2	22	for	for	ADP
0p096685w50	2	23	all	all	PRON
0p096685w50	2	24	.	.	PUNCT
0p096685w50	3	1	digital	digital	ADJ
0p096685w50	3	2	financial	financial	ADJ
0p096685w50	3	3	services	service	NOUN
0p096685w50	3	4	(	(	PUNCT
0p096685w50	3	5	dfs	dfs	PROPN
0p096685w50	3	6	)	)	PUNCT
0p096685w50	3	7	have	have	AUX
0p096685w50	3	8	often	often	ADV
0p096685w50	3	9	been	be	AUX
0p096685w50	3	10	argued	argue	VERB
0p096685w50	3	11	,	,	PUNCT
0p096685w50	3	12	albeit	albeit	SCONJ
0p096685w50	3	13	not	not	PART
0p096685w50	3	14	without	without	ADP
0p096685w50	3	15	controversy	controversy	NOUN
0p096685w50	3	16	,	,	PUNCT
0p096685w50	3	17	to	to	PART
0p096685w50	3	18	be	be	AUX
0p096685w50	3	19	a	a	DET
0p096685w50	3	20	tool	tool	NOUN
0p096685w50	3	21	for	for	ADP
0p096685w50	3	22	empowering	empower	VERB
0p096685w50	3	23	women	woman	NOUN
0p096685w50	3	24	and	and	CCONJ
0p096685w50	3	25	helping	help	VERB
0p096685w50	3	26	economies	economy	NOUN
0p096685w50	3	27	withstand	withstand	VERB
0p096685w50	3	28	unforeseen	unforeseen	ADJ
0p096685w50	3	29	shocks	shock	NOUN
0p096685w50	3	30	.	.	PUNCT
0p096685w50	4	1	the	the	DET
0p096685w50	4	2	covid-19	covid-19	PROPN
0p096685w50	4	3	pandemic	pandemic	NOUN
0p096685w50	4	4	has	have	AUX
0p096685w50	4	5	accelerated	accelerate	VERB
0p096685w50	4	6	this	this	DET
0p096685w50	4	7	shift	shift	NOUN
0p096685w50	4	8	towards	towards	ADP
0p096685w50	4	9	digital	digital	ADJ
0p096685w50	4	10	finance	finance	NOUN
0p096685w50	4	11	,	,	PUNCT
0p096685w50	4	12	highlighting	highlight	VERB
0p096685w50	4	13	both	both	CCONJ
0p096685w50	4	14	the	the	DET
0p096685w50	4	15	positive	positive	ADJ
0p096685w50	4	16	aspects	aspect	NOUN
0p096685w50	4	17	and	and	CCONJ
0p096685w50	4	18	the	the	DET
0p096685w50	4	19	challenges	challenge	NOUN
0p096685w50	4	20	that	that	PRON
0p096685w50	4	21	accompany	accompany	VERB
0p096685w50	4	22	this	this	DET
0p096685w50	4	23	transition.this	transition.this	NOUN
0p096685w50	4	24	thesis	thesis	NOUN
0p096685w50	4	25	explores	explore	VERB
0p096685w50	4	26	the	the	DET
0p096685w50	4	27	relationship	relationship	NOUN
0p096685w50	4	28	between	between	ADP
0p096685w50	4	29	financial	financial	ADJ
0p096685w50	4	30	inclusion	inclusion	NOUN
0p096685w50	4	31	,	,	PUNCT
0p096685w50	4	32	financial	financial	ADJ
0p096685w50	4	33	well	well	NOUN
0p096685w50	4	34	-	-	PUNCT
0p096685w50	4	35	being	being	NOUN
0p096685w50	4	36	and	and	CCONJ
0p096685w50	4	37	human	human	ADJ
0p096685w50	4	38	development	development	NOUN
0p096685w50	4	39	in	in	ADP
0p096685w50	4	40	the	the	DET
0p096685w50	4	41	context	context	NOUN
0p096685w50	4	42	of	of	ADP
0p096685w50	4	43	covid-19	covid-19	PROPN
0p096685w50	4	44	.	.	PUNCT
0p096685w50	5	1	using	use	VERB
0p096685w50	5	2	a	a	DET
0p096685w50	5	3	cross	cross	ADJ
0p096685w50	5	4	-	-	ADJ
0p096685w50	5	5	sectional	sectional	ADJ
0p096685w50	5	6	dataset	dataset	NOUN
0p096685w50	5	7	from	from	ADP
0p096685w50	5	8	the	the	DET
0p096685w50	5	9	world	world	PROPN
0p096685w50	5	10	bank	bank	PROPN
0p096685w50	5	11	global	global	PROPN
0p096685w50	5	12	findex	findex	PROPN
0p096685w50	5	13	and	and	CCONJ
0p096685w50	5	14	undp	undp	PROPN
0p096685w50	5	15	human	human	PROPN
0p096685w50	5	16	development	development	PROPN
0p096685w50	5	17	index	index	NOUN
0p096685w50	5	18	in	in	ADP
0p096685w50	5	19	year	year	NOUN
0p096685w50	5	20	2021	2021	NUM
0p096685w50	5	21	,	,	PUNCT
0p096685w50	5	22	this	this	DET
0p096685w50	5	23	study	study	NOUN
0p096685w50	5	24	employs	employ	VERB
0p096685w50	5	25	regression	regression	NOUN
0p096685w50	5	26	analyses	analysis	NOUN
0p096685w50	5	27	to	to	PART
0p096685w50	5	28	investigate	investigate	VERB
0p096685w50	5	29	the	the	DET
0p096685w50	5	30	determinants	determinant	NOUN
0p096685w50	5	31	of	of	ADP
0p096685w50	5	32	financial	financial	ADJ
0p096685w50	5	33	inclusion	inclusion	NOUN
0p096685w50	5	34	with	with	ADP
0p096685w50	5	35	respect	respect	NOUN
0p096685w50	5	36	to	to	ADP
0p096685w50	5	37	financial	financial	ADJ
0p096685w50	5	38	well	well	NOUN
0p096685w50	5	39	-	-	PUNCT
0p096685w50	5	40	being	being	NOUN
0p096685w50	5	41	and	and	CCONJ
0p096685w50	5	42	hardship	hardship	NOUN
0p096685w50	5	43	in	in	ADP
0p096685w50	5	44	lowand	lowand	PROPN
0p096685w50	5	45	middle	middle	ADJ
0p096685w50	5	46	-	-	PUNCT
0p096685w50	5	47	income	income	NOUN
0p096685w50	5	48	countries	country	NOUN
0p096685w50	5	49	in	in	ADP
0p096685w50	5	50	the	the	DET
0p096685w50	5	51	age	age	NOUN
0p096685w50	5	52	of	of	ADP
0p096685w50	5	53	covid-19	covid-19	PROPN
0p096685w50	5	54	.	.	PUNCT
0p096685w50	6	1	it	it	PRON
0p096685w50	6	2	also	also	ADV
0p096685w50	6	3	explores	explore	VERB
0p096685w50	6	4	the	the	DET
0p096685w50	6	5	distributional	distributional	ADJ
0p096685w50	6	6	concerns	concern	NOUN
0p096685w50	6	7	and	and	CCONJ
0p096685w50	6	8	identifies	identify	VERB
0p096685w50	6	9	vulnerable	vulnerable	ADJ
0p096685w50	6	10	groups	group	NOUN
0p096685w50	6	11	that	that	PRON
0p096685w50	6	12	face	face	VERB
0p096685w50	6	13	even	even	ADV
0p096685w50	6	14	greater	great	ADJ
0p096685w50	6	15	challenges	challenge	NOUN
0p096685w50	6	16	and	and	CCONJ
0p096685w50	6	17	barriers	barrier	NOUN
0p096685w50	6	18	to	to	ADP
0p096685w50	6	19	financial	financial	ADJ
0p096685w50	6	20	inclusion	inclusion	NOUN
0p096685w50	6	21	.	.	PUNCT
0p096685w50	7	1	the	the	DET
0p096685w50	7	2	results	result	NOUN
0p096685w50	7	3	are	be	AUX
0p096685w50	7	4	expected	expect	VERB
0p096685w50	7	5	to	to	PART
0p096685w50	7	6	contribute	contribute	VERB
0p096685w50	7	7	to	to	ADP
0p096685w50	7	8	the	the	DET
0p096685w50	7	9	larger	large	ADJ
0p096685w50	7	10	discussion	discussion	NOUN
0p096685w50	7	11	on	on	ADP
0p096685w50	7	12	the	the	DET
0p096685w50	7	13	role	role	NOUN
0p096685w50	7	14	of	of	ADP
0p096685w50	7	15	digital	digital	ADJ
0p096685w50	7	16	financial	financial	ADJ
0p096685w50	7	17	services	service	NOUN
0p096685w50	7	18	in	in	ADP
0p096685w50	7	19	promoting	promote	VERB
0p096685w50	7	20	financial	financial	ADJ
0p096685w50	7	21	inclusion	inclusion	NOUN
0p096685w50	7	22	and	and	CCONJ
0p096685w50	7	23	financial	financial	ADJ
0p096685w50	7	24	well	well	NOUN
0p096685w50	7	25	-	-	PUNCT
0p096685w50	7	26	being	being	NOUN
0p096685w50	7	27	for	for	ADP
0p096685w50	7	28	all	all	PRON
0p096685w50	7	29	,	,	PUNCT
0p096685w50	7	30	particularly	particularly	ADV
0p096685w50	7	31	during	during	ADP
0p096685w50	7	32	times	time	NOUN
0p096685w50	7	33	of	of	ADP
0p096685w50	7	34	economic	economic	ADJ
0p096685w50	7	35	uncertainty	uncertainty	NOUN
0p096685w50	7	36	.	.	PUNCT
0p096685w50	8	1	the	the	DET
0p096685w50	8	2	results	result	NOUN
0p096685w50	8	3	of	of	ADP
0p096685w50	8	4	this	this	DET
0p096685w50	8	5	study	study	NOUN
0p096685w50	8	6	will	will	AUX
0p096685w50	8	7	provide	provide	VERB
0p096685w50	8	8	important	important	ADJ
0p096685w50	8	9	insights	insight	NOUN
0p096685w50	8	10	for	for	SCONJ
0p096685w50	8	11	policymakers	policymaker	NOUN
0p096685w50	8	12	to	to	PART
0p096685w50	8	13	improve	improve	VERB
0p096685w50	8	14	in	in	ADP
0p096685w50	8	15	financial	financial	ADJ
0p096685w50	8	16	inclusion	inclusion	NOUN
0p096685w50	8	17	and	and	CCONJ
0p096685w50	8	18	strengthen	strengthen	VERB
0p096685w50	8	19	the	the	DET
0p096685w50	8	20	resilience	resilience	NOUN
0p096685w50	8	21	of	of	ADP
0p096685w50	8	22	lowand	lowand	PROPN
0p096685w50	8	23	middle	middle	ADJ
0p096685w50	8	24	-	-	PUNCT
0p096685w50	8	25	income	income	NOUN
0p096685w50	8	26	countries	country	NOUN
0p096685w50	8	27	against	against	ADP
0p096685w50	8	28	future	future	ADJ
0p096685w50	8	29	pandemics	pandemic	NOUN
0p096685w50	8	30	and	and	CCONJ
0p096685w50	8	31	economic	economic	ADJ
0p096685w50	8	32	shock	shock	NOUN
0p096685w50	8	33	.	.	PUNCT