comments are
thank you again for the provided revised version of the
paper and y

comments are
thank you again for the provided revised version of the
paper and your work.
Still, the paper requires a few more corrections before it
may be accepted, namely:
1) 3 JEL classification codes should be added just s codes
under the abstract, it shouldn’t be the paragraph in the Introduction.
You can use the link:
https://www.aeaweb.org/jel/guide/jel.php
2) Please compose the “Introduction” as a whole section,
don’t include subsections therein. That is, please delete titles of
subsections. It will enhance the readability of the manuscript.
3) “Scope Limitation should be mentioned in the
Conclusion, not in the Introduction.
4) You have highlight the difference with this paper:
Financial Technology As A Driver of Financial Inclusion and Inclusive
Development in the MENA Region: Risks and
Opportunities(https://www.policycenter.ma/publications/financial-technology-driver-financial-inclusion-and-inclusivedevelopment-mena-region).
5) The content of Sections 2 and 5 should be presented as a
plain text, it shouldn’t be presented as a numbered list or in bullet points.
6) The paper still requires English proofreading (language
and typos) so that your paper may be read and cited by a wide audience of
readers throughout the world. If you want the team of Virtus Interpress to do
English proofreading of your paper, you may order this service at a moderate
fee
7) In order to facilitate the transparency of the authors’
contribution, since June 2019 Virtus Interpress approves a decision about the
Contributor Role Taxonomy (CRediT). Doing so, we ask our authors to use this
taxonomy when providing an Author Contributions section for research papers.
The detailed instruction could be found in the file (CRediT-taxonomy) attached.
Please provide your final revised manuscript by April 30.
I am looking forward to hearing from you.
Kind regards,
Olha