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Fintech in the time of COVID−19: Technological adoption during crises

Journal of Financial Intermediation · 2021 · PMC9759262

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an expected trendno p-value reported
In relative terms, we estimate an increase in downloads of around 20.6 percent beyond what would have been an expected trend since countries’ first confirmed COVID−19 case.

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Quoted from the open-access full text in Europe PMC under the licence the publisher applied. The sentence is reproduced exactly as published; the emphasis is ours.