INFORMATION AND COMMUNICATION TECHNOLOGY ICT; 3 ATM 1 BANK SERVICES 1 COMPUTER APPLICATION; 1 ELECTRONIC LEARNING; 1 FOREIGN DIRECT INVESTMENT; 1 ICT 1 INCLUSIVE GROWTH; 1 M-BANKING 1 MICROFINANCE; 1 MOBILE PHONE APPLICATIONS 1 PRODUCTIVITY; 1 TECHNOLOGY ACCEPTANCE MODEL 1 WOMEN EMPOWERMENT; 1