id	sid	tid	token	lemma	pos
ahmr-864	1	1	49	49	NUM
ahmr-864	1	2	towards	towards	ADP
ahmr-864	1	3	a	a	DET
ahmr-864	1	4	legal	legal	ADJ
ahmr-864	1	5	and	and	CCONJ
ahmr-864	1	6	regulatory	regulatory	ADJ
ahmr-864	1	7	framework	framework	NOUN
ahmr-864	1	8	for	for	ADP
ahmr-864	1	9	south	south	ADJ
ahmr-864	1	10	african	african	ADJ
ahmr-864	1	11	domestic	domestic	ADJ
ahmr-864	1	12	remittances	remittance	NOUN
ahmr-864	1	13	:	:	PUNCT
ahmr-864	1	14	some	some	DET
ahmr-864	1	15	considerations	consideration	NOUN
ahmr-864	1	16	vivienne	vivienne	PROPN
ahmr-864	1	17	lawack	lawack	NOUN
ahmr-864	1	18	*	*	PUNCT
ahmr-864	2	1	*	*	PUNCT
ahmr-864	2	2	mercantile	mercantile	NOUN
ahmr-864	2	3	and	and	CCONJ
ahmr-864	2	4	labour	labour	PROPN
ahmr-864	2	5	law	law	NOUN
ahmr-864	2	6	department	department	NOUN
ahmr-864	2	7	,	,	PUNCT
ahmr-864	2	8	faculty	faculty	NOUN
ahmr-864	2	9	of	of	ADP
ahmr-864	2	10	law	law	NOUN
ahmr-864	2	11	,	,	PUNCT
ahmr-864	2	12	university	university	NOUN
ahmr-864	2	13	of	of	ADP
ahmr-864	2	14	the	the	DET
ahmr-864	2	15	western	western	ADJ
ahmr-864	2	16	cape	cape	NOUN
ahmr-864	2	17	,	,	PUNCT
ahmr-864	2	18	south	south	PROPN
ahmr-864	2	19	africa	africa	PROPN
ahmr-864	2	20	email	email	NOUN
ahmr-864	2	21	:	:	PUNCT
ahmr-864	2	22	vlawack@uwc.ac.za	vlawack@uwc.ac.za	NOUN
ahmr-864	2	23	this	this	DET
ahmr-864	2	24	paper	paper	NOUN
ahmr-864	2	25	is	be	AUX
ahmr-864	2	26	an	an	DET
ahmr-864	2	27	exploratory	exploratory	ADJ
ahmr-864	2	28	study	study	NOUN
ahmr-864	2	29	that	that	PRON
ahmr-864	2	30	examines	examine	VERB
ahmr-864	2	31	the	the	DET
ahmr-864	2	32	legal	legal	ADJ
ahmr-864	2	33	and	and	CCONJ
ahmr-864	2	34	regulatory	regulatory	ADJ
ahmr-864	2	35	framework	framework	NOUN
ahmr-864	2	36	for	for	ADP
ahmr-864	2	37	domestic	domestic	ADJ
ahmr-864	2	38	remittances	remittance	NOUN
ahmr-864	2	39	within	within	ADP
ahmr-864	2	40	the	the	DET
ahmr-864	2	41	south	south	ADJ
ahmr-864	2	42	african	african	ADJ
ahmr-864	2	43	legal	legal	ADJ
ahmr-864	2	44	context	context	NOUN
ahmr-864	2	45	.	.	PUNCT
ahmr-864	3	1	the	the	DET
ahmr-864	3	2	author	author	NOUN
ahmr-864	3	3	makes	make	VERB
ahmr-864	3	4	some	some	DET
ahmr-864	3	5	proposals	proposal	NOUN
ahmr-864	3	6	for	for	ADP
ahmr-864	3	7	consideration	consideration	NOUN
ahmr-864	3	8	in	in	ADP
ahmr-864	3	9	the	the	DET
ahmr-864	3	10	review	review	NOUN
ahmr-864	3	11	of	of	ADP
ahmr-864	3	12	the	the	DET
ahmr-864	3	13	national	national	ADJ
ahmr-864	3	14	payment	payment	NOUN
ahmr-864	3	15	system	system	NOUN
ahmr-864	3	16	act	act	VERB
ahmr-864	3	17	no	no	DET
ahmr-864	3	18	78	78	NUM
ahmr-864	3	19	of	of	ADP
ahmr-864	3	20	1998	1998	NUM
ahmr-864	3	21	(	(	PUNCT
ahmr-864	3	22	nps	nps	PROPN
ahmr-864	3	23	act	act	PROPN
ahmr-864	3	24	)	)	PUNCT
ahmr-864	3	25	with	with	ADP
ahmr-864	3	26	regards	regard	NOUN
ahmr-864	3	27	to	to	ADP
ahmr-864	3	28	domestic	domestic	ADJ
ahmr-864	3	29	remittances	remittance	NOUN
ahmr-864	3	30	as	as	ADP
ahmr-864	3	31	a	a	DET
ahmr-864	3	32	retail	retail	NOUN
ahmr-864	3	33	,	,	PUNCT
ahmr-864	3	34	lowvalue	lowvalue	ADJ
ahmr-864	3	35	payment	payment	NOUN
ahmr-864	3	36	service	service	NOUN
ahmr-864	3	37	.	.	PUNCT
ahmr-864	4	1	to	to	ADP
ahmr-864	4	2	this	this	DET
ahmr-864	4	3	end	end	NOUN
ahmr-864	4	4	,	,	PUNCT
ahmr-864	4	5	the	the	DET
ahmr-864	4	6	paper	paper	NOUN
ahmr-864	4	7	provides	provide	VERB
ahmr-864	4	8	an	an	DET
ahmr-864	4	9	understanding	understanding	NOUN
ahmr-864	4	10	of	of	ADP
ahmr-864	4	11	domestic	domestic	ADJ
ahmr-864	4	12	remittances	remittance	NOUN
ahmr-864	4	13	,	,	PUNCT
ahmr-864	4	14	the	the	DET
ahmr-864	4	15	transaction	transaction	NOUN
ahmr-864	4	16	,	,	PUNCT
ahmr-864	4	17	process	process	NOUN
ahmr-864	4	18	and	and	CCONJ
ahmr-864	4	19	channels	channel	NOUN
ahmr-864	4	20	used	use	VERB
ahmr-864	4	21	.	.	PUNCT
ahmr-864	5	1	it	it	PRON
ahmr-864	5	2	also	also	ADV
ahmr-864	5	3	contextualizes	contextualize	VERB
ahmr-864	5	4	domestic	domestic	ADJ
ahmr-864	5	5	remittances	remittance	NOUN
ahmr-864	5	6	within	within	ADP
ahmr-864	5	7	the	the	DET
ahmr-864	5	8	south	south	ADJ
ahmr-864	5	9	african	african	ADJ
ahmr-864	5	10	national	national	ADJ
ahmr-864	5	11	payment	payment	NOUN
ahmr-864	5	12	system	system	NOUN
ahmr-864	5	13	(	(	PUNCT
ahmr-864	5	14	nps	nps	PROPN
ahmr-864	5	15	)	)	PUNCT
ahmr-864	5	16	and	and	CCONJ
ahmr-864	5	17	finally	finally	ADV
ahmr-864	5	18	examines	examine	VERB
ahmr-864	5	19	the	the	DET
ahmr-864	5	20	current	current	ADJ
ahmr-864	5	21	gaps	gap	NOUN
ahmr-864	5	22	that	that	PRON
ahmr-864	5	23	can	can	AUX
ahmr-864	5	24	be	be	AUX
ahmr-864	5	25	remedied	remedie	VERB
ahmr-864	5	26	through	through	ADP
ahmr-864	5	27	the	the	DET
ahmr-864	5	28	review	review	NOUN
ahmr-864	5	29	of	of	ADP
ahmr-864	5	30	the	the	DET
ahmr-864	5	31	nps	nps	PROPN
ahmr-864	5	32	act	act	PROPN
ahmr-864	5	33	.	.	PUNCT
ahmr-864	6	1	the	the	DET
ahmr-864	6	2	author	author	NOUN
ahmr-864	6	3	argues	argue	VERB
ahmr-864	6	4	that	that	SCONJ
ahmr-864	6	5	if	if	SCONJ
ahmr-864	6	6	financial	financial	ADJ
ahmr-864	6	7	inclusion	inclusion	NOUN
ahmr-864	6	8	is	be	AUX
ahmr-864	6	9	to	to	PART
ahmr-864	6	10	be	be	AUX
ahmr-864	6	11	promoted	promote	VERB
ahmr-864	6	12	,	,	PUNCT
ahmr-864	6	13	the	the	DET
ahmr-864	6	14	regulatory	regulatory	ADJ
ahmr-864	6	15	framework	framework	NOUN
ahmr-864	6	16	pertaining	pertain	VERB
ahmr-864	6	17	to	to	ADP
ahmr-864	6	18	domestic	domestic	ADJ
ahmr-864	6	19	remittances	remittance	NOUN
ahmr-864	6	20	should	should	AUX
ahmr-864	6	21	enable	enable	VERB
ahmr-864	6	22	,	,	PUNCT
ahmr-864	6	23	rather	rather	ADV
ahmr-864	6	24	than	than	ADP
ahmr-864	6	25	inhibit	inhibit	VERB
ahmr-864	6	26	the	the	DET
ahmr-864	6	27	use	use	NOUN
ahmr-864	6	28	of	of	ADP
ahmr-864	6	29	domestic	domestic	ADJ
ahmr-864	6	30	remittances	remittance	NOUN
ahmr-864	6	31	as	as	ADP
ahmr-864	6	32	a	a	DET
ahmr-864	6	33	payment	payment	NOUN
ahmr-864	6	34	service	service	NOUN
ahmr-864	6	35	.	.	PUNCT
ahmr-864	7	1	keywords	keyword	NOUN
ahmr-864	7	2	:	:	PUNCT
ahmr-864	7	3	domestic	domestic	ADJ
ahmr-864	7	4	remittances	remittance	NOUN
ahmr-864	7	5	,	,	PUNCT
ahmr-864	7	6	migration	migration	NOUN
ahmr-864	7	7	,	,	PUNCT
ahmr-864	7	8	national	national	ADJ
ahmr-864	7	9	payment	payment	NOUN
ahmr-864	7	10	system	system	NOUN
ahmr-864	7	11	,	,	PUNCT
ahmr-864	7	12	payment	payment	NOUN
ahmr-864	7	13	service(s	service(s	NOUN
ahmr-864	7	14	)	)	PUNCT
ahmr-864	7	15	,	,	PUNCT
ahmr-864	7	16	financial	financial	ADJ
ahmr-864	7	17	inclusion	inclusion	NOUN
ahmr-864	7	18	50	50	NUM
ahmr-864	7	19	ahmr	ahmr	NOUN
ahmr-864	7	20	african	african	PROPN
ahmr-864	7	21	human	human	PROPN
ahmr-864	7	22	mobilty	mobilty	PROPN
ahmr-864	7	23	review	review	NOUN
ahmr-864	7	24	volume	volume	NOUN
ahmr-864	7	25	7	7	NUM
ahmr-864	7	26	no	no	DET
ahmr-864	7	27	1	1	NUM
ahmr-864	7	28	,	,	PUNCT
ahmr-864	7	29	jan	jan	NOUN
ahmr-864	7	30	-	-	PUNCT
ahmr-864	7	31	apr	apr	NOUN
ahmr-864	7	32	2021	2021	NUM
ahmr-864	7	33	introduction	introduction	NOUN
ahmr-864	7	34	in	in	ADP
ahmr-864	7	35	the	the	DET
ahmr-864	7	36	global	global	ADJ
ahmr-864	7	37	economy	economy	NOUN
ahmr-864	7	38	,	,	PUNCT
ahmr-864	7	39	regardless	regardless	ADV
ahmr-864	7	40	of	of	ADP
ahmr-864	7	41	the	the	DET
ahmr-864	7	42	legality	legality	NOUN
ahmr-864	7	43	of	of	ADP
ahmr-864	7	44	work	work	NOUN
ahmr-864	7	45	,	,	PUNCT
ahmr-864	7	46	migrants	migrant	NOUN
ahmr-864	7	47	experience	experience	VERB
ahmr-864	7	48	the	the	DET
ahmr-864	7	49	need	need	NOUN
ahmr-864	7	50	to	to	PART
ahmr-864	7	51	send	send	VERB
ahmr-864	7	52	money	money	NOUN
ahmr-864	7	53	to	to	ADP
ahmr-864	7	54	families	family	NOUN
ahmr-864	7	55	they	they	PRON
ahmr-864	7	56	have	have	AUX
ahmr-864	7	57	left	leave	VERB
ahmr-864	7	58	in	in	ADP
ahmr-864	7	59	their	their	PRON
ahmr-864	7	60	countries	country	NOUN
ahmr-864	7	61	of	of	ADP
ahmr-864	7	62	origin	origin	NOUN
ahmr-864	7	63	.	.	PUNCT
ahmr-864	8	1	the	the	DET
ahmr-864	8	2	same	same	ADJ
ahmr-864	8	3	applies	apply	VERB
ahmr-864	8	4	at	at	ADP
ahmr-864	8	5	the	the	DET
ahmr-864	8	6	domestic	domestic	ADJ
ahmr-864	8	7	level	level	NOUN
ahmr-864	8	8	,	,	PUNCT
ahmr-864	8	9	where	where	SCONJ
ahmr-864	8	10	workers	worker	NOUN
ahmr-864	8	11	often	often	ADV
ahmr-864	8	12	work	work	VERB
ahmr-864	8	13	in	in	ADP
ahmr-864	8	14	other	other	ADJ
ahmr-864	8	15	provinces	province	NOUN
ahmr-864	8	16	and	and	CCONJ
ahmr-864	8	17	need	need	VERB
ahmr-864	8	18	to	to	PART
ahmr-864	8	19	send	send	VERB
ahmr-864	8	20	money	money	NOUN
ahmr-864	8	21	home	home	ADV
ahmr-864	8	22	to	to	PART
ahmr-864	8	23	support	support	VERB
ahmr-864	8	24	their	their	PRON
ahmr-864	8	25	families	family	NOUN
ahmr-864	8	26	.	.	PUNCT
ahmr-864	9	1	it	it	PRON
ahmr-864	9	2	is	be	AUX
ahmr-864	9	3	interesting	interesting	ADJ
ahmr-864	9	4	to	to	PART
ahmr-864	9	5	note	note	VERB
ahmr-864	9	6	that	that	SCONJ
ahmr-864	9	7	in	in	ADP
ahmr-864	9	8	a	a	DET
ahmr-864	9	9	2016	2016	NUM
ahmr-864	9	10	report	report	NOUN
ahmr-864	9	11	of	of	ADP
ahmr-864	9	12	technoserve	technoserve	NOUN
ahmr-864	9	13	,	,	PUNCT
ahmr-864	9	14	south	south	PROPN
ahmr-864	9	15	africa	africa	PROPN
ahmr-864	9	16	’s	’s	PART
ahmr-864	9	17	domestic	domestic	ADJ
ahmr-864	9	18	remittance	remittance	NOUN
ahmr-864	9	19	market	market	NOUN
ahmr-864	9	20	was	be	AUX
ahmr-864	9	21	estimated	estimate	VERB
ahmr-864	9	22	to	to	PART
ahmr-864	9	23	include	include	VERB
ahmr-864	9	24	between	between	ADP
ahmr-864	9	25	us$11	us$11	PROPN
ahmr-864	9	26	billion	billion	NUM
ahmr-864	9	27	and	and	CCONJ
ahmr-864	9	28	us$13	us$13	VERB
ahmr-864	9	29	billion	billion	NUM
ahmr-864	9	30	in	in	ADP
ahmr-864	9	31	annual	annual	ADJ
ahmr-864	9	32	transactions	transaction	NOUN
ahmr-864	9	33	at	at	ADP
ahmr-864	9	34	an	an	DET
ahmr-864	9	35	average	average	NOUN
ahmr-864	9	36	of	of	ADP
ahmr-864	9	37	us$60	us$60	ADJ
ahmr-864	9	38	per	per	ADP
ahmr-864	9	39	transaction	transaction	NOUN
ahmr-864	9	40	.	.	PUNCT
ahmr-864	10	1	this	this	PRON
ahmr-864	10	2	was	be	AUX
ahmr-864	10	3	the	the	DET
ahmr-864	10	4	equivalent	equivalent	NOUN
ahmr-864	10	5	of	of	ADP
ahmr-864	10	6	four	four	NUM
ahmr-864	10	7	percent	percent	NOUN
ahmr-864	10	8	of	of	ADP
ahmr-864	10	9	the	the	DET
ahmr-864	10	10	south	south	ADJ
ahmr-864	10	11	african	african	ADJ
ahmr-864	10	12	gross	gross	ADJ
ahmr-864	10	13	domestic	domestic	ADJ
ahmr-864	10	14	product	product	NOUN
ahmr-864	10	15	(	(	PUNCT
ahmr-864	10	16	gdp	gdp	NOUN
ahmr-864	10	17	)	)	PUNCT
ahmr-864	10	18	.	.	PUNCT
ahmr-864	11	1	this	this	PRON
ahmr-864	11	2	is	be	AUX
ahmr-864	11	3	more	more	ADJ
ahmr-864	11	4	than	than	ADP
ahmr-864	11	5	six	six	NUM
ahmr-864	11	6	times	time	NOUN
ahmr-864	11	7	as	as	ADV
ahmr-864	11	8	large	large	ADJ
ahmr-864	11	9	as	as	ADP
ahmr-864	11	10	international	international	ADJ
ahmr-864	11	11	remittances	remittance	NOUN
ahmr-864	11	12	outflows	outflow	NOUN
ahmr-864	11	13	of	of	ADP
ahmr-864	11	14	south	south	PROPN
ahmr-864	11	15	africa	africa	PROPN
ahmr-864	11	16	,	,	PUNCT
ahmr-864	11	17	driven	drive	VERB
ahmr-864	11	18	by	by	ADP
ahmr-864	11	19	a	a	DET
ahmr-864	11	20	far	far	ADV
ahmr-864	11	21	higher	high	ADJ
ahmr-864	11	22	number	number	NOUN
ahmr-864	11	23	of	of	ADP
ahmr-864	11	24	domestic	domestic	ADJ
ahmr-864	11	25	over	over	ADP
ahmr-864	11	26	international	international	ADJ
ahmr-864	11	27	migrants	migrant	NOUN
ahmr-864	11	28	within	within	ADP
ahmr-864	11	29	the	the	DET
ahmr-864	11	30	country	country	NOUN
ahmr-864	11	31	.	.	PUNCT
ahmr-864	12	1	in	in	ADP
ahmr-864	12	2	2016	2016	NUM
ahmr-864	12	3	,	,	PUNCT
ahmr-864	12	4	south	south	PROPN
ahmr-864	12	5	africa	africa	PROPN
ahmr-864	12	6	had	have	VERB
ahmr-864	12	7	approximately	approximately	ADV
ahmr-864	12	8	24,3	24,3	NUM
ahmr-864	12	9	million	million	NUM
ahmr-864	12	10	domestic	domestic	ADJ
ahmr-864	12	11	remittance	remittance	NOUN
ahmr-864	12	12	users	user	NOUN
ahmr-864	12	13	(	(	PUNCT
ahmr-864	12	14	technoserve	technoserve	NOUN
ahmr-864	12	15	,	,	PUNCT
ahmr-864	12	16	2016	2016	NUM
ahmr-864	12	17	)	)	PUNCT
ahmr-864	12	18	.	.	PUNCT
ahmr-864	13	1	much	much	ADJ
ahmr-864	13	2	has	have	AUX
ahmr-864	13	3	been	be	AUX
ahmr-864	13	4	written	write	VERB
ahmr-864	13	5	on	on	ADP
ahmr-864	13	6	the	the	DET
ahmr-864	13	7	economic	economic	ADJ
ahmr-864	13	8	and	and	CCONJ
ahmr-864	13	9	development	development	NOUN
ahmr-864	13	10	aspects	aspect	NOUN
ahmr-864	13	11	of	of	ADP
ahmr-864	13	12	remittances	remittance	NOUN
ahmr-864	13	13	,	,	PUNCT
ahmr-864	13	14	but	but	CCONJ
ahmr-864	13	15	less	less	ADV
ahmr-864	13	16	so	so	ADV
ahmr-864	13	17	on	on	ADP
ahmr-864	13	18	the	the	DET
ahmr-864	13	19	legal	legal	ADJ
ahmr-864	13	20	and	and	CCONJ
ahmr-864	13	21	regulatory	regulatory	ADJ
ahmr-864	13	22	framework	framework	NOUN
ahmr-864	13	23	pertaining	pertain	VERB
ahmr-864	13	24	to	to	ADP
ahmr-864	13	25	remittances	remittance	NOUN
ahmr-864	13	26	(	(	PUNCT
ahmr-864	13	27	abida	abida	NOUN
ahmr-864	13	28	and	and	CCONJ
ahmr-864	13	29	sghaier	sghaier	ADV
ahmr-864	13	30	,	,	PUNCT
ahmr-864	13	31	2014	2014	NUM
ahmr-864	13	32	;	;	PUNCT
ahmr-864	13	33	beyene	beyene	NOUN
ahmr-864	13	34	,	,	PUNCT
ahmr-864	13	35	2014	2014	NUM
ahmr-864	13	36	;	;	PUNCT
ahmr-864	13	37	adarkwa	adarkwa	NOUN
ahmr-864	13	38	,	,	PUNCT
ahmr-864	13	39	2015	2015	NUM
ahmr-864	13	40	;	;	PUNCT
ahmr-864	13	41	matuzeviciute	matuzeviciute	NOUN
ahmr-864	13	42	and	and	CCONJ
ahmr-864	13	43	butkus	butkus	NOUN
ahmr-864	13	44	,	,	PUNCT
ahmr-864	13	45	2016	2016	NUM
ahmr-864	13	46	;	;	PUNCT
ahmr-864	13	47	maviza	maviza	NOUN
ahmr-864	13	48	et	et	PROPN
ahmr-864	13	49	al	al	PROPN
ahmr-864	13	50	.	.	PROPN
ahmr-864	13	51	,	,	PUNCT
ahmr-864	13	52	2019	2019	NUM
ahmr-864	13	53	)	)	PUNCT
ahmr-864	13	54	.	.	PUNCT
ahmr-864	14	1	in	in	ADP
ahmr-864	14	2	previous	previous	ADJ
ahmr-864	14	3	articles	article	NOUN
ahmr-864	14	4	,	,	PUNCT
ahmr-864	14	5	the	the	DET
ahmr-864	14	6	author	author	NOUN
ahmr-864	14	7	dealt	deal	VERB
ahmr-864	14	8	with	with	ADP
ahmr-864	14	9	international	international	ADJ
ahmr-864	14	10	remittances	remittance	NOUN
ahmr-864	14	11	and	and	CCONJ
ahmr-864	14	12	the	the	DET
ahmr-864	14	13	regulatory	regulatory	ADJ
ahmr-864	14	14	obstacles	obstacle	NOUN
ahmr-864	14	15	pertaining	pertain	VERB
ahmr-864	14	16	to	to	ADP
ahmr-864	14	17	international	international	ADJ
ahmr-864	14	18	remittances	remittance	NOUN
ahmr-864	14	19	and	and	CCONJ
ahmr-864	14	20	implications	implication	NOUN
ahmr-864	14	21	for	for	ADP
ahmr-864	14	22	migrant	migrant	ADJ
ahmr-864	14	23	workers	worker	NOUN
ahmr-864	14	24	and	and	CCONJ
ahmr-864	14	25	asylum	asylum	NOUN
ahmr-864	14	26	seekers	seeker	NOUN
ahmr-864	14	27	(	(	PUNCT
ahmr-864	14	28	lawack	lawack	ADJ
ahmr-864	14	29	,	,	PUNCT
ahmr-864	14	30	2013	2013	NUM
ahmr-864	14	31	,	,	PUNCT
ahmr-864	14	32	2014	2014	NUM
ahmr-864	14	33	)	)	PUNCT
ahmr-864	14	34	.	.	PUNCT
ahmr-864	15	1	this	this	DET
ahmr-864	15	2	paper	paper	NOUN
ahmr-864	15	3	is	be	AUX
ahmr-864	15	4	an	an	DET
ahmr-864	15	5	exploratory	exploratory	ADJ
ahmr-864	15	6	study	study	NOUN
ahmr-864	15	7	that	that	PRON
ahmr-864	15	8	aims	aim	VERB
ahmr-864	15	9	to	to	PART
ahmr-864	15	10	examine	examine	VERB
ahmr-864	15	11	the	the	DET
ahmr-864	15	12	legal	legal	ADJ
ahmr-864	15	13	and	and	CCONJ
ahmr-864	15	14	regulatory	regulatory	ADJ
ahmr-864	15	15	framework	framework	NOUN
ahmr-864	15	16	for	for	ADP
ahmr-864	15	17	domestic	domestic	ADJ
ahmr-864	15	18	remittances	remittance	NOUN
ahmr-864	15	19	,	,	PUNCT
ahmr-864	15	20	in	in	ADP
ahmr-864	15	21	order	order	NOUN
ahmr-864	15	22	to	to	PART
ahmr-864	15	23	make	make	VERB
ahmr-864	15	24	some	some	DET
ahmr-864	15	25	proposals	proposal	NOUN
ahmr-864	15	26	for	for	ADP
ahmr-864	15	27	consideration	consideration	NOUN
ahmr-864	15	28	in	in	ADP
ahmr-864	15	29	the	the	DET
ahmr-864	15	30	review	review	NOUN
ahmr-864	15	31	of	of	ADP
ahmr-864	15	32	the	the	DET
ahmr-864	15	33	national	national	ADJ
ahmr-864	15	34	payment	payment	NOUN
ahmr-864	15	35	system	system	NOUN
ahmr-864	15	36	act	act	VERB
ahmr-864	15	37	no	no	DET
ahmr-864	15	38	78	78	NUM
ahmr-864	15	39	of	of	ADP
ahmr-864	15	40	1998	1998	NUM
ahmr-864	15	41	(	(	PUNCT
ahmr-864	15	42	nps	nps	PROPN
ahmr-864	15	43	act	act	PROPN
ahmr-864	15	44	)	)	PUNCT
ahmr-864	15	45	(	(	PUNCT
ahmr-864	15	46	rsa	rsa	NOUN
ahmr-864	15	47	,	,	PUNCT
ahmr-864	15	48	1998	1998	NUM
ahmr-864	15	49	)	)	PUNCT
ahmr-864	15	50	with	with	ADP
ahmr-864	15	51	regards	regard	NOUN
ahmr-864	15	52	to	to	ADP
ahmr-864	15	53	domestic	domestic	ADJ
ahmr-864	15	54	remittances	remittance	NOUN
ahmr-864	15	55	as	as	ADP
ahmr-864	15	56	a	a	DET
ahmr-864	15	57	retail	retail	ADJ
ahmr-864	15	58	,	,	PUNCT
ahmr-864	15	59	low	low	ADJ
ahmr-864	15	60	-	-	PUNCT
ahmr-864	15	61	value	value	NOUN
ahmr-864	15	62	payment	payment	NOUN
ahmr-864	15	63	service	service	NOUN
ahmr-864	15	64	.	.	PUNCT
ahmr-864	16	1	the	the	DET
ahmr-864	16	2	author	author	NOUN
ahmr-864	16	3	uses	use	VERB
ahmr-864	16	4	a	a	DET
ahmr-864	16	5	legal	legal	ADJ
ahmr-864	16	6	desktop	desktop	NOUN
ahmr-864	16	7	analysis	analysis	NOUN
ahmr-864	16	8	methodology	methodology	NOUN
ahmr-864	16	9	.	.	PUNCT
ahmr-864	17	1	to	to	ADP
ahmr-864	17	2	this	this	DET
ahmr-864	17	3	end	end	NOUN
ahmr-864	17	4	,	,	PUNCT
ahmr-864	17	5	the	the	DET
ahmr-864	17	6	paper	paper	NOUN
ahmr-864	17	7	provides	provide	VERB
ahmr-864	17	8	an	an	DET
ahmr-864	17	9	understanding	understanding	NOUN
ahmr-864	17	10	of	of	ADP
ahmr-864	17	11	domestic	domestic	ADJ
ahmr-864	17	12	remittances	remittance	NOUN
ahmr-864	17	13	,	,	PUNCT
ahmr-864	17	14	the	the	DET
ahmr-864	17	15	transaction	transaction	NOUN
ahmr-864	17	16	,	,	PUNCT
ahmr-864	17	17	process	process	NOUN
ahmr-864	17	18	and	and	CCONJ
ahmr-864	17	19	channels	channel	NOUN
ahmr-864	17	20	used	use	VERB
ahmr-864	17	21	.	.	PUNCT
ahmr-864	18	1	it	it	PRON
ahmr-864	18	2	also	also	ADV
ahmr-864	18	3	contextualizes	contextualize	VERB
ahmr-864	18	4	domestic	domestic	ADJ
ahmr-864	18	5	remittances	remittance	NOUN
ahmr-864	18	6	within	within	ADP
ahmr-864	18	7	the	the	DET
ahmr-864	18	8	national	national	ADJ
ahmr-864	18	9	payment	payment	NOUN
ahmr-864	18	10	system	system	NOUN
ahmr-864	18	11	(	(	PUNCT
ahmr-864	18	12	nps	nps	PROPN
ahmr-864	18	13	)	)	PUNCT
ahmr-864	18	14	and	and	CCONJ
ahmr-864	18	15	finally	finally	ADV
ahmr-864	18	16	examines	examine	VERB
ahmr-864	18	17	the	the	DET
ahmr-864	18	18	current	current	ADJ
ahmr-864	18	19	regulatory	regulatory	ADJ
ahmr-864	18	20	gaps	gap	NOUN
ahmr-864	18	21	that	that	PRON
ahmr-864	18	22	can	can	AUX
ahmr-864	18	23	be	be	AUX
ahmr-864	18	24	remedied	remedie	VERB
ahmr-864	18	25	through	through	ADP
ahmr-864	18	26	the	the	DET
ahmr-864	18	27	review	review	NOUN
ahmr-864	18	28	of	of	ADP
ahmr-864	18	29	the	the	DET
ahmr-864	18	30	nps	nps	PROPN
ahmr-864	18	31	act	act	PROPN
ahmr-864	18	32	.	.	PUNCT
ahmr-864	19	1	the	the	DET
ahmr-864	19	2	author	author	NOUN
ahmr-864	19	3	argues	argue	VERB
ahmr-864	19	4	that	that	SCONJ
ahmr-864	19	5	if	if	SCONJ
ahmr-864	19	6	financial	financial	ADJ
ahmr-864	19	7	inclusion	inclusion	NOUN
ahmr-864	19	8	is	be	AUX
ahmr-864	19	9	to	to	PART
ahmr-864	19	10	be	be	AUX
ahmr-864	19	11	promoted	promote	VERB
ahmr-864	19	12	,	,	PUNCT
ahmr-864	19	13	the	the	DET
ahmr-864	19	14	regulatory	regulatory	ADJ
ahmr-864	19	15	framework	framework	NOUN
ahmr-864	19	16	pertaining	pertain	VERB
ahmr-864	19	17	to	to	ADP
ahmr-864	19	18	domestic	domestic	ADJ
ahmr-864	19	19	remittances	remittance	NOUN
ahmr-864	19	20	should	should	AUX
ahmr-864	19	21	enable	enable	VERB
ahmr-864	19	22	,	,	PUNCT
ahmr-864	19	23	rather	rather	ADV
ahmr-864	19	24	than	than	ADP
ahmr-864	19	25	inhibit	inhibit	VERB
ahmr-864	19	26	the	the	DET
ahmr-864	19	27	use	use	NOUN
ahmr-864	19	28	of	of	ADP
ahmr-864	19	29	domestic	domestic	ADJ
ahmr-864	19	30	remittances	remittance	NOUN
ahmr-864	19	31	as	as	ADP
ahmr-864	19	32	a	a	DET
ahmr-864	19	33	payment	payment	NOUN
ahmr-864	19	34	service	service	NOUN
ahmr-864	19	35	.	.	PUNCT
ahmr-864	20	1	background	background	NOUN
ahmr-864	20	2	and	and	CCONJ
ahmr-864	20	3	meaning	meaning	NOUN
ahmr-864	20	4	of	of	ADP
ahmr-864	20	5	domestic	domestic	ADJ
ahmr-864	20	6	remittances	remittance	NOUN
ahmr-864	20	7	remittances	remittance	NOUN
ahmr-864	20	8	can	can	AUX
ahmr-864	20	9	be	be	AUX
ahmr-864	20	10	both	both	CCONJ
ahmr-864	20	11	domestic	domestic	ADJ
ahmr-864	20	12	and	and	CCONJ
ahmr-864	20	13	international	international	ADJ
ahmr-864	20	14	in	in	ADP
ahmr-864	20	15	nature	nature	NOUN
ahmr-864	20	16	.	.	PUNCT
ahmr-864	21	1	the	the	DET
ahmr-864	21	2	term	term	NOUN
ahmr-864	21	3	‘	'	PUNCT
ahmr-864	21	4	international	international	ADJ
ahmr-864	21	5	remittance	remittance	NOUN
ahmr-864	21	6	’	'	PUNCT
ahmr-864	21	7	(	(	PUNCT
ahmr-864	21	8	lawack	lawack	ADJ
ahmr-864	21	9	,	,	PUNCT
ahmr-864	21	10	2013	2013	NUM
ahmr-864	21	11	)	)	PUNCT
ahmr-864	21	12	does	do	AUX
ahmr-864	21	13	not	not	PART
ahmr-864	21	14	have	have	VERB
ahmr-864	21	15	a	a	DET
ahmr-864	21	16	solid	solid	ADJ
ahmr-864	21	17	universal	universal	ADJ
ahmr-864	21	18	definition	definition	NOUN
ahmr-864	21	19	.	.	PUNCT
ahmr-864	22	1	different	different	ADJ
ahmr-864	22	2	authors	author	NOUN
ahmr-864	22	3	have	have	AUX
ahmr-864	22	4	assigned	assign	VERB
ahmr-864	22	5	varying	vary	VERB
ahmr-864	22	6	definitions	definition	NOUN
ahmr-864	22	7	to	to	ADP
ahmr-864	22	8	the	the	DET
ahmr-864	22	9	term	term	NOUN
ahmr-864	22	10	.	.	PUNCT
ahmr-864	23	1	the	the	DET
ahmr-864	23	2	bank	bank	NOUN
ahmr-864	23	3	for	for	ADP
ahmr-864	23	4	international	international	ADJ
ahmr-864	23	5	settlements	settlement	NOUN
ahmr-864	23	6	(	(	PUNCT
ahmr-864	23	7	bis	bis	ADJ
ahmr-864	23	8	)	)	PUNCT
ahmr-864	23	9	and	and	CCONJ
ahmr-864	23	10	the	the	DET
ahmr-864	23	11	world	world	PROPN
ahmr-864	23	12	bank	bank	PROPN
ahmr-864	23	13	define	define	VERB
ahmr-864	23	14	international	international	ADJ
ahmr-864	23	15	remittances	remittance	NOUN
ahmr-864	23	16	as	as	ADP
ahmr-864	23	17	,	,	PUNCT
ahmr-864	23	18	“	"	PUNCT
ahmr-864	23	19	crossborder	crossborder	NOUN
ahmr-864	23	20	person	person	NOUN
ahmr-864	23	21	-	-	PUNCT
ahmr-864	23	22	to	to	ADP
ahmr-864	23	23	-	-	PUNCT
ahmr-864	23	24	person	person	NOUN
ahmr-864	23	25	payments	payment	NOUN
ahmr-864	23	26	of	of	ADP
ahmr-864	23	27	relatively	relatively	ADV
ahmr-864	23	28	low	low	ADJ
ahmr-864	23	29	value	value	NOUN
ahmr-864	23	30	”	"	PUNCT
ahmr-864	23	31	(	(	PUNCT
ahmr-864	23	32	cpss	cpss	NOUN
ahmr-864	23	33	and	and	CCONJ
ahmr-864	23	34	world	world	PROPN
ahmr-864	23	35	bank	bank	PROPN
ahmr-864	23	36	,	,	PUNCT
ahmr-864	23	37	2007	2007	NUM
ahmr-864	23	38	:	:	PUNCT
ahmr-864	23	39	4	4	NUM
ahmr-864	23	40	)	)	PUNCT
ahmr-864	23	41	.	.	PUNCT
ahmr-864	24	1	bester	bester	PROPN
ahmr-864	24	2	et	et	PROPN
ahmr-864	24	3	al	al	PROPN
ahmr-864	24	4	.	.	PUNCT
ahmr-864	25	1	(	(	PUNCT
ahmr-864	25	2	2010	2010	NUM
ahmr-864	25	3	:	:	PUNCT
ahmr-864	25	4	2	2	X
ahmr-864	25	5	)	)	PUNCT
ahmr-864	25	6	define	define	VERB
ahmr-864	25	7	them	they	PRON
ahmr-864	25	8	as	as	ADP
ahmr-864	25	9	,	,	PUNCT
ahmr-864	25	10	“	"	PUNCT
ahmr-864	25	11	non	non	ADJ
ahmr-864	25	12	-	-	ADJ
ahmr-864	25	13	reciprocal	reciprocal	ADJ
ahmr-864	25	14	transfers	transfer	NOUN
ahmr-864	25	15	from	from	ADP
ahmr-864	25	16	one	one	NUM
ahmr-864	25	17	person	person	NOUN
ahmr-864	25	18	to	to	ADP
ahmr-864	25	19	another	another	PRON
ahmr-864	25	20	across	across	ADP
ahmr-864	25	21	a	a	DET
ahmr-864	25	22	distance	distance	NOUN
ahmr-864	25	23	”	"	PUNCT
ahmr-864	25	24	,	,	PUNCT
ahmr-864	25	25	while	while	SCONJ
ahmr-864	25	26	abdul	abdul	PROPN
ahmr-864	25	27	azeez	azeez	PROPN
ahmr-864	25	28	and	and	CCONJ
ahmr-864	25	29	begum	begum	PROPN
ahmr-864	25	30	(	(	PUNCT
ahmr-864	25	31	2009	2009	NUM
ahmr-864	25	32	:	:	PUNCT
ahmr-864	25	33	300	300	NUM
ahmr-864	25	34	)	)	PUNCT
ahmr-864	25	35	define	define	VERB
ahmr-864	25	36	them	they	PRON
ahmr-864	25	37	as	as	ADP
ahmr-864	25	38	,	,	PUNCT
ahmr-864	25	39	“	"	PUNCT
ahmr-864	25	40	that	that	DET
ahmr-864	25	41	portion	portion	NOUN
ahmr-864	25	42	of	of	ADP
ahmr-864	25	43	migrants	migrant	NOUN
ahmr-864	25	44	’	'	PUNCT
ahmr-864	25	45	earnings	earning	NOUN
ahmr-864	25	46	sent	send	VERB
ahmr-864	25	47	from	from	ADP
ahmr-864	25	48	the	the	DET
ahmr-864	25	49	migration	migration	NOUN
ahmr-864	25	50	destination	destination	NOUN
ahmr-864	25	51	to	to	ADP
ahmr-864	25	52	the	the	DET
ahmr-864	25	53	place	place	NOUN
ahmr-864	25	54	of	of	ADP
ahmr-864	25	55	origin	origin	NOUN
ahmr-864	25	56	”	"	PUNCT
ahmr-864	25	57	.	.	PUNCT
ahmr-864	26	1	the	the	DET
ahmr-864	26	2	latter	latter	ADJ
ahmr-864	26	3	definition	definition	NOUN
ahmr-864	26	4	is	be	AUX
ahmr-864	26	5	deemed	deem	VERB
ahmr-864	26	6	more	more	ADV
ahmr-864	26	7	suitable	suitable	ADJ
ahmr-864	26	8	for	for	ADP
ahmr-864	26	9	the	the	DET
ahmr-864	26	10	purposes	purpose	NOUN
ahmr-864	26	11	of	of	ADP
ahmr-864	26	12	this	this	DET
ahmr-864	26	13	paper	paper	NOUN
ahmr-864	26	14	,	,	PUNCT
ahmr-864	26	15	51	51	NUM
ahmr-864	26	16	which	which	PRON
ahmr-864	26	17	looks	look	VERB
ahmr-864	26	18	at	at	ADP
ahmr-864	26	19	the	the	DET
ahmr-864	26	20	context	context	NOUN
ahmr-864	26	21	of	of	ADP
ahmr-864	26	22	the	the	DET
ahmr-864	26	23	labor	labor	NOUN
ahmr-864	26	24	migrants	migrant	NOUN
ahmr-864	26	25	who	who	PRON
ahmr-864	26	26	send	send	VERB
ahmr-864	26	27	funds	fund	NOUN
ahmr-864	26	28	back	back	ADV
ahmr-864	26	29	to	to	ADP
ahmr-864	26	30	families	family	NOUN
ahmr-864	26	31	in	in	ADP
ahmr-864	26	32	their	their	PRON
ahmr-864	26	33	countries	country	NOUN
ahmr-864	26	34	of	of	ADP
ahmr-864	26	35	origin	origin	NOUN
ahmr-864	26	36	.	.	PUNCT
ahmr-864	27	1	according	accord	VERB
ahmr-864	27	2	to	to	ADP
ahmr-864	27	3	statistics	statistic	NOUN
ahmr-864	27	4	presented	present	VERB
ahmr-864	27	5	by	by	ADP
ahmr-864	27	6	genesis	genesis	NOUN
ahmr-864	27	7	analytics	analytic	NOUN
ahmr-864	27	8	,	,	PUNCT
ahmr-864	27	9	amounts	amount	NOUN
ahmr-864	27	10	sent	send	VERB
ahmr-864	27	11	by	by	ADP
ahmr-864	27	12	such	such	ADJ
ahmr-864	27	13	migrants	migrant	NOUN
ahmr-864	27	14	within	within	ADP
ahmr-864	27	15	the	the	DET
ahmr-864	27	16	southern	southern	ADJ
ahmr-864	27	17	african	african	ADJ
ahmr-864	27	18	development	development	PROPN
ahmr-864	27	19	community	community	NOUN
ahmr-864	27	20	(	(	PUNCT
ahmr-864	27	21	sadc	sadc	PROPN
ahmr-864	27	22	)	)	PUNCT
ahmr-864	27	23	region	region	NOUN
ahmr-864	27	24	are	be	AUX
ahmr-864	27	25	of	of	ADP
ahmr-864	27	26	relatively	relatively	ADV
ahmr-864	27	27	low	low	ADJ
ahmr-864	27	28	value	value	NOUN
ahmr-864	27	29	(	(	PUNCT
ahmr-864	27	30	genesis	genesis	NOUN
ahmr-864	27	31	analytics	analytic	NOUN
ahmr-864	27	32	,	,	PUNCT
ahmr-864	27	33	2005	2005	NUM
ahmr-864	27	34	)	)	PUNCT
ahmr-864	27	35	.	.	PUNCT
ahmr-864	28	1	from	from	ADP
ahmr-864	28	2	the	the	DET
ahmr-864	28	3	varying	vary	VERB
ahmr-864	28	4	definitions	definition	NOUN
ahmr-864	28	5	mentioned	mention	VERB
ahmr-864	28	6	above	above	ADV
ahmr-864	28	7	,	,	PUNCT
ahmr-864	28	8	two	two	NUM
ahmr-864	28	9	common	common	ADJ
ahmr-864	28	10	features	feature	NOUN
ahmr-864	28	11	of	of	ADP
ahmr-864	28	12	international	international	ADJ
ahmr-864	28	13	remittances	remittance	NOUN
ahmr-864	28	14	can	can	AUX
ahmr-864	28	15	be	be	AUX
ahmr-864	28	16	identified	identify	VERB
ahmr-864	28	17	,	,	PUNCT
ahmr-864	28	18	namely	namely	ADV
ahmr-864	28	19	that	that	SCONJ
ahmr-864	28	20	(	(	PUNCT
ahmr-864	28	21	a	a	X
ahmr-864	28	22	)	)	PUNCT
ahmr-864	28	23	remittances	remittance	NOUN
ahmr-864	28	24	are	be	AUX
ahmr-864	28	25	unrequited	unrequited	ADJ
ahmr-864	28	26	person	person	NOUN
ahmr-864	28	27	-	-	PUNCT
ahmr-864	28	28	to	to	ADP
ahmr-864	28	29	-	-	PUNCT
ahmr-864	28	30	person	person	NOUN
ahmr-864	28	31	payments	payment	NOUN
ahmr-864	28	32	–	–	PUNCT
ahmr-864	28	33	not	not	PART
ahmr-864	28	34	made	make	VERB
ahmr-864	28	35	in	in	ADP
ahmr-864	28	36	exchange	exchange	NOUN
ahmr-864	28	37	for	for	ADP
ahmr-864	28	38	goods	good	NOUN
ahmr-864	28	39	or	or	CCONJ
ahmr-864	28	40	services	service	NOUN
ahmr-864	28	41	and	and	CCONJ
ahmr-864	28	42	do	do	AUX
ahmr-864	28	43	not	not	PART
ahmr-864	28	44	involve	involve	VERB
ahmr-864	28	45	receipts	receipt	NOUN
ahmr-864	28	46	and	and	CCONJ
ahmr-864	28	47	invoices	invoice	NOUN
ahmr-864	28	48	–	–	PUNCT
ahmr-864	28	49	of	of	ADP
ahmr-864	28	50	relatively	relatively	ADV
ahmr-864	28	51	low	low	ADJ
ahmr-864	28	52	value	value	NOUN
ahmr-864	28	53	;	;	PUNCT
ahmr-864	28	54	and	and	CCONJ
ahmr-864	28	55	(	(	PUNCT
ahmr-864	28	56	b	b	X
ahmr-864	28	57	)	)	PUNCT
ahmr-864	28	58	there	there	PRON
ahmr-864	28	59	is	be	VERB
ahmr-864	28	60	a	a	DET
ahmr-864	28	61	considerable	considerable	ADJ
ahmr-864	28	62	geographical	geographical	ADJ
ahmr-864	28	63	distance	distance	NOUN
ahmr-864	28	64	between	between	ADP
ahmr-864	28	65	the	the	DET
ahmr-864	28	66	sender	sender	NOUN
ahmr-864	28	67	and	and	CCONJ
ahmr-864	28	68	the	the	DET
ahmr-864	28	69	recipient	recipient	NOUN
ahmr-864	28	70	.	.	PUNCT
ahmr-864	29	1	the	the	DET
ahmr-864	29	2	same	same	ADJ
ahmr-864	29	3	definition	definition	NOUN
ahmr-864	29	4	can	can	AUX
ahmr-864	29	5	be	be	AUX
ahmr-864	29	6	applied	apply	VERB
ahmr-864	29	7	to	to	ADP
ahmr-864	29	8	domestic	domestic	ADJ
ahmr-864	29	9	remittances	remittance	NOUN
ahmr-864	29	10	,	,	PUNCT
ahmr-864	29	11	except	except	SCONJ
ahmr-864	29	12	that	that	SCONJ
ahmr-864	29	13	the	the	DET
ahmr-864	29	14	remittances	remittance	NOUN
ahmr-864	29	15	take	take	VERB
ahmr-864	29	16	place	place	NOUN
ahmr-864	29	17	within	within	ADP
ahmr-864	29	18	the	the	DET
ahmr-864	29	19	borders	border	NOUN
ahmr-864	29	20	of	of	ADP
ahmr-864	29	21	a	a	DET
ahmr-864	29	22	country	country	NOUN
ahmr-864	29	23	.	.	PUNCT
ahmr-864	30	1	remittance	remittance	NOUN
ahmr-864	30	2	transactions	transaction	NOUN
ahmr-864	30	3	can	can	AUX
ahmr-864	30	4	be	be	AUX
ahmr-864	30	5	categorized	categorize	VERB
ahmr-864	30	6	as	as	ADP
ahmr-864	30	7	credit	credit	NOUN
ahmr-864	30	8	transfers	transfer	NOUN
ahmr-864	30	9	,	,	PUNCT
ahmr-864	30	10	as	as	SCONJ
ahmr-864	30	11	payment	payment	NOUN
ahmr-864	30	12	is	be	AUX
ahmr-864	30	13	typically	typically	ADV
ahmr-864	30	14	initiated	initiate	VERB
ahmr-864	30	15	when	when	SCONJ
ahmr-864	30	16	the	the	DET
ahmr-864	30	17	sender	sender	NOUN
ahmr-864	30	18	instructs	instruct	VERB
ahmr-864	30	19	a	a	DET
ahmr-864	30	20	remittance	remittance	NOUN
ahmr-864	30	21	service	service	NOUN
ahmr-864	30	22	provider	provider	NOUN
ahmr-864	30	23	to	to	PART
ahmr-864	30	24	send	send	VERB
ahmr-864	30	25	funds	fund	NOUN
ahmr-864	30	26	(	(	PUNCT
ahmr-864	30	27	cpss	cpss	NOUN
ahmr-864	30	28	and	and	CCONJ
ahmr-864	30	29	world	world	PROPN
ahmr-864	30	30	bank	bank	PROPN
ahmr-864	30	31	,	,	PUNCT
ahmr-864	30	32	2007	2007	NUM
ahmr-864	30	33	)	)	PUNCT
ahmr-864	30	34	.	.	PUNCT
ahmr-864	31	1	remittance	remittance	NOUN
ahmr-864	31	2	transactions	transaction	NOUN
ahmr-864	31	3	are	be	AUX
ahmr-864	31	4	typically	typically	ADV
ahmr-864	31	5	recurrent	recurrent	ADJ
ahmr-864	31	6	payments	payment	NOUN
ahmr-864	31	7	made	make	VERB
ahmr-864	31	8	via	via	ADP
ahmr-864	31	9	individual	individual	ADJ
ahmr-864	31	10	transfers	transfer	NOUN
ahmr-864	31	11	as	as	SCONJ
ahmr-864	31	12	opposed	oppose	VERB
ahmr-864	31	13	to	to	ADP
ahmr-864	31	14	being	be	AUX
ahmr-864	31	15	made	make	VERB
ahmr-864	31	16	by	by	ADP
ahmr-864	31	17	standing	stand	VERB
ahmr-864	31	18	order	order	NOUN
ahmr-864	31	19	.	.	PUNCT
ahmr-864	32	1	the	the	DET
ahmr-864	32	2	latter	latter	ADJ
ahmr-864	32	3	pre	pre	NOUN
ahmr-864	32	4	-	-	PUNCT
ahmr-864	32	5	authorizes	authorize	VERB
ahmr-864	32	6	an	an	DET
ahmr-864	32	7	institution	institution	NOUN
ahmr-864	32	8	,	,	PUNCT
ahmr-864	32	9	typically	typically	ADV
ahmr-864	32	10	a	a	DET
ahmr-864	32	11	bank	bank	NOUN
ahmr-864	32	12	,	,	PUNCT
ahmr-864	32	13	to	to	PART
ahmr-864	32	14	make	make	VERB
ahmr-864	32	15	regular	regular	ADJ
ahmr-864	32	16	payments	payment	NOUN
ahmr-864	32	17	to	to	ADP
ahmr-864	32	18	a	a	DET
ahmr-864	32	19	specified	specified	ADJ
ahmr-864	32	20	individual	individual	ADJ
ahmr-864	32	21	or	or	CCONJ
ahmr-864	32	22	entity	entity	NOUN
ahmr-864	32	23	.	.	PUNCT
ahmr-864	33	1	remittances	remittance	NOUN
ahmr-864	33	2	may	may	AUX
ahmr-864	33	3	be	be	AUX
ahmr-864	33	4	done	do	VERB
ahmr-864	33	5	either	either	CCONJ
ahmr-864	33	6	in	in	ADP
ahmr-864	33	7	the	the	DET
ahmr-864	33	8	form	form	NOUN
ahmr-864	33	9	of	of	ADP
ahmr-864	33	10	cash	cash	NOUN
ahmr-864	33	11	transfers	transfer	NOUN
ahmr-864	33	12	,	,	PUNCT
ahmr-864	33	13	or	or	CCONJ
ahmr-864	33	14	goods	good	NOUN
ahmr-864	33	15	such	such	ADJ
ahmr-864	33	16	as	as	ADP
ahmr-864	33	17	groceries	grocery	NOUN
ahmr-864	33	18	(	(	PUNCT
ahmr-864	33	19	dodson	dodson	PROPN
ahmr-864	33	20	,	,	PUNCT
ahmr-864	33	21	2008	2008	NUM
ahmr-864	33	22	)	)	PUNCT
ahmr-864	33	23	.	.	PUNCT
ahmr-864	34	1	however	however	ADV
ahmr-864	34	2	,	,	PUNCT
ahmr-864	34	3	this	this	DET
ahmr-864	34	4	paper	paper	NOUN
ahmr-864	34	5	focuses	focus	VERB
ahmr-864	34	6	on	on	ADP
ahmr-864	34	7	remittances	remittance	NOUN
ahmr-864	34	8	of	of	ADP
ahmr-864	34	9	a	a	DET
ahmr-864	34	10	monetary	monetary	ADJ
ahmr-864	34	11	type	type	NOUN
ahmr-864	34	12	and	and	CCONJ
ahmr-864	34	13	not	not	PART
ahmr-864	34	14	those	those	PRON
ahmr-864	34	15	made	make	VERB
ahmr-864	34	16	in	in	ADP
ahmr-864	34	17	the	the	DET
ahmr-864	34	18	form	form	NOUN
ahmr-864	34	19	of	of	ADP
ahmr-864	34	20	goods	good	NOUN
ahmr-864	34	21	.	.	PUNCT
ahmr-864	35	1	the	the	DET
ahmr-864	35	2	remittance	remittance	NOUN
ahmr-864	35	3	transaction	transaction	NOUN
ahmr-864	35	4	participants	participant	VERB
ahmr-864	35	5	the	the	DET
ahmr-864	35	6	key	key	ADJ
ahmr-864	35	7	participants	participant	NOUN
ahmr-864	35	8	in	in	ADP
ahmr-864	35	9	a	a	DET
ahmr-864	35	10	typical	typical	ADJ
ahmr-864	35	11	remittance	remittance	NOUN
ahmr-864	35	12	transaction	transaction	NOUN
ahmr-864	35	13	are	be	AUX
ahmr-864	35	14	the	the	DET
ahmr-864	35	15	sender	sender	NOUN
ahmr-864	35	16	,	,	PUNCT
ahmr-864	35	17	the	the	DET
ahmr-864	35	18	recipient	recipient	NOUN
ahmr-864	35	19	,	,	PUNCT
ahmr-864	35	20	the	the	DET
ahmr-864	35	21	capturing	capture	VERB
ahmr-864	35	22	remittance	remittance	NOUN
ahmr-864	35	23	service	service	NOUN
ahmr-864	35	24	provider	provider	NOUN
ahmr-864	35	25	(	(	PUNCT
ahmr-864	35	26	rsp	rsp	PROPN
ahmr-864	35	27	)	)	PUNCT
ahmr-864	35	28	and	and	CCONJ
ahmr-864	35	29	the	the	DET
ahmr-864	35	30	disbursing	disbursing	NOUN
ahmr-864	35	31	remittance	remittance	NOUN
ahmr-864	35	32	service	service	NOUN
ahmr-864	35	33	provider	provider	NOUN
ahmr-864	35	34	.	.	PUNCT
ahmr-864	36	1	the	the	DET
ahmr-864	36	2	sender	sender	NOUN
ahmr-864	36	3	,	,	PUNCT
ahmr-864	36	4	in	in	ADP
ahmr-864	36	5	the	the	DET
ahmr-864	36	6	context	context	NOUN
ahmr-864	36	7	of	of	ADP
ahmr-864	36	8	this	this	DET
ahmr-864	36	9	paper	paper	NOUN
ahmr-864	36	10	,	,	PUNCT
ahmr-864	36	11	refers	refer	VERB
ahmr-864	36	12	to	to	ADP
ahmr-864	36	13	the	the	DET
ahmr-864	36	14	migrant	migrant	ADJ
ahmr-864	36	15	worker	worker	NOUN
ahmr-864	36	16	seeking	seek	VERB
ahmr-864	36	17	to	to	PART
ahmr-864	36	18	send	send	VERB
ahmr-864	36	19	funds	fund	NOUN
ahmr-864	36	20	to	to	ADP
ahmr-864	36	21	their	their	PRON
ahmr-864	36	22	home	home	NOUN
ahmr-864	36	23	of	of	ADP
ahmr-864	36	24	origin	origin	NOUN
ahmr-864	36	25	.	.	PUNCT
ahmr-864	37	1	the	the	DET
ahmr-864	37	2	recipient	recipient	NOUN
ahmr-864	37	3	is	be	AUX
ahmr-864	37	4	the	the	DET
ahmr-864	37	5	person	person	NOUN
ahmr-864	37	6	to	to	PART
ahmr-864	37	7	whom	whom	PRON
ahmr-864	37	8	the	the	DET
ahmr-864	37	9	migrant	migrant	NOUN
ahmr-864	37	10	seeks	seek	VERB
ahmr-864	37	11	to	to	PART
ahmr-864	37	12	send	send	VERB
ahmr-864	37	13	funds	fund	NOUN
ahmr-864	37	14	to	to	ADP
ahmr-864	37	15	.	.	PUNCT
ahmr-864	38	1	often	often	ADV
ahmr-864	38	2	,	,	PUNCT
ahmr-864	38	3	but	but	CCONJ
ahmr-864	38	4	not	not	PART
ahmr-864	38	5	necessarily	necessarily	ADV
ahmr-864	38	6	,	,	PUNCT
ahmr-864	38	7	the	the	DET
ahmr-864	38	8	person	person	NOUN
ahmr-864	38	9	is	be	AUX
ahmr-864	38	10	a	a	DET
ahmr-864	38	11	family	family	NOUN
ahmr-864	38	12	member	member	NOUN
ahmr-864	38	13	of	of	ADP
ahmr-864	38	14	the	the	DET
ahmr-864	38	15	migrant	migrant	NOUN
ahmr-864	38	16	such	such	ADJ
ahmr-864	38	17	as	as	ADP
ahmr-864	38	18	a	a	DET
ahmr-864	38	19	spouse	spouse	NOUN
ahmr-864	38	20	,	,	PUNCT
ahmr-864	38	21	sibling	sible	VERB
ahmr-864	38	22	or	or	CCONJ
ahmr-864	38	23	parent	parent	NOUN
ahmr-864	38	24	.	.	PUNCT
ahmr-864	39	1	a	a	DET
ahmr-864	39	2	remittance	remittance	NOUN
ahmr-864	39	3	service	service	NOUN
ahmr-864	39	4	provider	provider	NOUN
ahmr-864	39	5	facilitates	facilitate	VERB
ahmr-864	39	6	the	the	DET
ahmr-864	39	7	transfer	transfer	NOUN
ahmr-864	39	8	of	of	ADP
ahmr-864	39	9	funds	fund	NOUN
ahmr-864	39	10	from	from	ADP
ahmr-864	39	11	the	the	DET
ahmr-864	39	12	sender	sender	NOUN
ahmr-864	39	13	to	to	ADP
ahmr-864	39	14	the	the	DET
ahmr-864	39	15	recipient	recipient	NOUN
ahmr-864	39	16	in	in	ADP
ahmr-864	39	17	exchange	exchange	NOUN
ahmr-864	39	18	for	for	ADP
ahmr-864	39	19	a	a	DET
ahmr-864	39	20	fee	fee	NOUN
ahmr-864	39	21	,	,	PUNCT
ahmr-864	39	22	which	which	PRON
ahmr-864	39	23	is	be	AUX
ahmr-864	39	24	usually	usually	ADV
ahmr-864	39	25	a	a	DET
ahmr-864	39	26	percentage	percentage	NOUN
ahmr-864	39	27	of	of	ADP
ahmr-864	39	28	the	the	DET
ahmr-864	39	29	amount	amount	NOUN
ahmr-864	39	30	being	be	AUX
ahmr-864	39	31	sent	send	VERB
ahmr-864	39	32	(	(	PUNCT
ahmr-864	39	33	world	world	PROPN
ahmr-864	39	34	bank	bank	PROPN
ahmr-864	39	35	,	,	PUNCT
ahmr-864	39	36	2015	2015	NUM
ahmr-864	39	37	)	)	PUNCT
ahmr-864	39	38	.	.	PUNCT
ahmr-864	40	1	different	different	ADJ
ahmr-864	40	2	types	type	NOUN
ahmr-864	40	3	of	of	ADP
ahmr-864	40	4	remittance	remittance	NOUN
ahmr-864	40	5	service	service	NOUN
ahmr-864	40	6	providers	provider	NOUN
ahmr-864	40	7	exist	exist	VERB
ahmr-864	40	8	within	within	ADP
ahmr-864	40	9	the	the	DET
ahmr-864	40	10	south	south	ADJ
ahmr-864	40	11	african	african	ADJ
ahmr-864	40	12	remittance	remittance	NOUN
ahmr-864	40	13	industry	industry	NOUN
ahmr-864	40	14	.	.	PUNCT
ahmr-864	41	1	the	the	DET
ahmr-864	41	2	nature	nature	NOUN
ahmr-864	41	3	of	of	ADP
ahmr-864	41	4	these	these	DET
ahmr-864	41	5	rsps	rsp	NOUN
ahmr-864	41	6	differs	differ	VERB
ahmr-864	41	7	depending	depend	VERB
ahmr-864	41	8	on	on	ADP
ahmr-864	41	9	the	the	DET
ahmr-864	41	10	type	type	NOUN
ahmr-864	41	11	of	of	ADP
ahmr-864	41	12	remittance	remittance	NOUN
ahmr-864	41	13	channel	channel	NOUN
ahmr-864	41	14	that	that	PRON
ahmr-864	41	15	is	be	AUX
ahmr-864	41	16	utilized	utilize	VERB
ahmr-864	41	17	.	.	PUNCT
ahmr-864	42	1	the	the	DET
ahmr-864	42	2	‘	'	PUNCT
ahmr-864	42	3	capturing	capture	VERB
ahmr-864	42	4	rsp	rsp	NOUN
ahmr-864	42	5	’	'	PUNCT
ahmr-864	42	6	is	be	AUX
ahmr-864	42	7	the	the	DET
ahmr-864	42	8	rsp	rsp	PROPN
ahmr-864	42	9	to	to	PART
ahmr-864	42	10	whom	whom	PRON
ahmr-864	42	11	the	the	DET
ahmr-864	42	12	sender	sender	NOUN
ahmr-864	42	13	hands	hand	VERB
ahmr-864	42	14	over	over	ADP
ahmr-864	42	15	the	the	DET
ahmr-864	42	16	funds	fund	NOUN
ahmr-864	42	17	to	to	PART
ahmr-864	42	18	be	be	AUX
ahmr-864	42	19	sent	send	VERB
ahmr-864	42	20	to	to	ADP
ahmr-864	42	21	the	the	DET
ahmr-864	42	22	recipient	recipient	NOUN
ahmr-864	42	23	.	.	PUNCT
ahmr-864	43	1	the	the	DET
ahmr-864	43	2	‘	'	PUNCT
ahmr-864	43	3	disbursing	disburse	VERB
ahmr-864	43	4	rsp	rsp	NOUN
ahmr-864	43	5	’	'	PUNCT
ahmr-864	43	6	,	,	PUNCT
ahmr-864	43	7	on	on	ADP
ahmr-864	43	8	the	the	DET
ahmr-864	43	9	other	other	ADJ
ahmr-864	43	10	hand	hand	NOUN
ahmr-864	43	11	,	,	PUNCT
ahmr-864	43	12	is	be	AUX
ahmr-864	43	13	the	the	DET
ahmr-864	43	14	rsp	rsp	NOUN
ahmr-864	43	15	that	that	PRON
ahmr-864	43	16	pays	pay	VERB
ahmr-864	43	17	out	out	ADP
ahmr-864	43	18	the	the	DET
ahmr-864	43	19	funds	fund	NOUN
ahmr-864	43	20	to	to	ADP
ahmr-864	43	21	the	the	DET
ahmr-864	43	22	recipient	recipient	NOUN
ahmr-864	43	23	.	.	PUNCT
ahmr-864	44	1	depending	depend	VERB
ahmr-864	44	2	on	on	ADP
ahmr-864	44	3	the	the	DET
ahmr-864	44	4	type	type	NOUN
ahmr-864	44	5	of	of	ADP
ahmr-864	44	6	remittance	remittance	NOUN
ahmr-864	44	7	network	network	NOUN
ahmr-864	44	8	in	in	ADP
ahmr-864	44	9	place	place	NOUN
ahmr-864	44	10	,	,	PUNCT
ahmr-864	44	11	the	the	DET
ahmr-864	44	12	capturing	capturing	NOUN
ahmr-864	44	13	and	and	CCONJ
ahmr-864	44	14	disbursing	disburse	VERB
ahmr-864	44	15	rsp	rsp	NOUN
ahmr-864	44	16	may	may	AUX
ahmr-864	44	17	be	be	AUX
ahmr-864	44	18	one	one	NUM
ahmr-864	44	19	and	and	CCONJ
ahmr-864	44	20	the	the	DET
ahmr-864	44	21	same	same	ADJ
ahmr-864	44	22	entity	entity	NOUN
ahmr-864	44	23	or	or	CCONJ
ahmr-864	44	24	,	,	PUNCT
ahmr-864	44	25	alternatively	alternatively	ADV
ahmr-864	44	26	,	,	PUNCT
ahmr-864	44	27	agents	agent	NOUN
ahmr-864	44	28	of	of	ADP
ahmr-864	44	29	a	a	DET
ahmr-864	44	30	single	single	ADJ
ahmr-864	44	31	rsp	rsp	NOUN
ahmr-864	44	32	,	,	PUNCT
ahmr-864	44	33	albeit	albeit	SCONJ
ahmr-864	44	34	located	locate	VERB
ahmr-864	44	35	in	in	ADP
ahmr-864	44	36	different	different	ADJ
ahmr-864	44	37	countries	country	NOUN
ahmr-864	44	38	.	.	PUNCT
ahmr-864	45	1	regardless	regardless	ADV
ahmr-864	45	2	of	of	ADP
ahmr-864	45	3	whether	whether	SCONJ
ahmr-864	45	4	or	or	CCONJ
ahmr-864	45	5	not	not	PART
ahmr-864	45	6	a	a	DET
ahmr-864	45	7	remittance	remittance	NOUN
ahmr-864	45	8	is	be	AUX
ahmr-864	45	9	channeled	channel	VERB
ahmr-864	45	10	via	via	ADP
ahmr-864	45	11	formal	formal	ADJ
ahmr-864	45	12	or	or	CCONJ
ahmr-864	45	13	informal	informal	ADJ
ahmr-864	45	14	means	mean	NOUN
ahmr-864	45	15	,	,	PUNCT
ahmr-864	45	16	some	some	DET
ahmr-864	45	17	form	form	NOUN
ahmr-864	45	18	of	of	ADP
ahmr-864	45	19	network	network	NOUN
ahmr-864	45	20	needs	need	VERB
ahmr-864	45	21	to	to	PART
ahmr-864	45	22	be	be	AUX
ahmr-864	45	23	in	in	ADP
ahmr-864	45	24	place	place	NOUN
ahmr-864	45	25	in	in	ADP
ahmr-864	45	26	order	order	NOUN
ahmr-864	45	27	for	for	SCONJ
ahmr-864	45	28	the	the	DET
ahmr-864	45	29	service	service	NOUN
ahmr-864	45	30	to	to	PART
ahmr-864	45	31	function	function	VERB
ahmr-864	45	32	.	.	PUNCT
ahmr-864	46	1	access	access	NOUN
ahmr-864	46	2	points	point	NOUN
ahmr-864	46	3	at	at	ADP
ahmr-864	46	4	which	which	PRON
ahmr-864	46	5	consumers	consumer	NOUN
ahmr-864	46	6	can	can	AUX
ahmr-864	46	7	hand	hand	VERB
ahmr-864	46	8	over	over	ADP
ahmr-864	46	9	funds	fund	NOUN
ahmr-864	46	10	and	and	CCONJ
ahmr-864	46	11	conversely	conversely	ADV
ahmr-864	46	12	receive	receive	VERB
ahmr-864	46	13	towards	towards	ADP
ahmr-864	46	14	a	a	DET
ahmr-864	46	15	legal	legal	ADJ
ahmr-864	46	16	and	and	CCONJ
ahmr-864	46	17	regulatory	regulatory	ADJ
ahmr-864	46	18	framework	framework	NOUN
ahmr-864	46	19	for	for	ADP
ahmr-864	46	20	south	south	ADJ
ahmr-864	46	21	african	african	ADJ
ahmr-864	46	22	domestic	domestic	ADJ
ahmr-864	46	23	remittances	remittance	NOUN
ahmr-864	46	24	52	52	NUM
ahmr-864	46	25	ahmr	ahmr	NOUN
ahmr-864	46	26	african	african	PROPN
ahmr-864	46	27	human	human	PROPN
ahmr-864	46	28	mobilty	mobilty	PROPN
ahmr-864	46	29	review	review	NOUN
ahmr-864	46	30	volume	volume	NOUN
ahmr-864	46	31	7	7	NUM
ahmr-864	46	32	no	no	DET
ahmr-864	46	33	1	1	NUM
ahmr-864	46	34	,	,	PUNCT
ahmr-864	46	35	jan	jan	NOUN
ahmr-864	46	36	-	-	PUNCT
ahmr-864	46	37	apr	apr	NOUN
ahmr-864	46	38	2021	2021	NUM
ahmr-864	46	39	funds	fund	NOUN
ahmr-864	46	40	need	need	VERB
ahmr-864	46	41	to	to	PART
ahmr-864	46	42	be	be	AUX
ahmr-864	46	43	in	in	ADP
ahmr-864	46	44	place	place	NOUN
ahmr-864	46	45	and	and	CCONJ
ahmr-864	46	46	interlinked	interlink	VERB
ahmr-864	46	47	(	(	PUNCT
ahmr-864	46	48	biller	biller	NOUN
ahmr-864	46	49	,	,	PUNCT
ahmr-864	46	50	2007	2007	NUM
ahmr-864	46	51	)	)	PUNCT
ahmr-864	46	52	.	.	PUNCT
ahmr-864	47	1	in	in	ADP
ahmr-864	47	2	regard	regard	NOUN
ahmr-864	47	3	to	to	ADP
ahmr-864	47	4	the	the	DET
ahmr-864	47	5	nature	nature	NOUN
ahmr-864	47	6	of	of	ADP
ahmr-864	47	7	a	a	DET
ahmr-864	47	8	remittance	remittance	NOUN
ahmr-864	47	9	network	network	NOUN
ahmr-864	47	10	,	,	PUNCT
ahmr-864	47	11	four	four	NUM
ahmr-864	47	12	types	type	NOUN
ahmr-864	47	13	can	can	AUX
ahmr-864	47	14	be	be	AUX
ahmr-864	47	15	distinguished	distinguish	VERB
ahmr-864	47	16	,	,	PUNCT
ahmr-864	47	17	namely	namely	ADV
ahmr-864	47	18	unilateral	unilateral	ADJ
ahmr-864	47	19	,	,	PUNCT
ahmr-864	47	20	franchised	franchised	ADJ
ahmr-864	47	21	,	,	PUNCT
ahmr-864	47	22	negotiated	negotiate	VERB
ahmr-864	47	23	and	and	CCONJ
ahmr-864	47	24	open	open	ADJ
ahmr-864	47	25	networks	network	NOUN
ahmr-864	47	26	.	.	PUNCT
ahmr-864	48	1	unilateral	unilateral	ADJ
ahmr-864	48	2	remittance	remittance	NOUN
ahmr-864	48	3	networks	network	NOUN
ahmr-864	48	4	involve	involve	VERB
ahmr-864	48	5	a	a	DET
ahmr-864	48	6	single	single	ADJ
ahmr-864	48	7	rsp	rsp	NOUN
ahmr-864	48	8	and	and	CCONJ
ahmr-864	48	9	do	do	AUX
ahmr-864	48	10	not	not	PART
ahmr-864	48	11	utilize	utilize	VERB
ahmr-864	48	12	the	the	DET
ahmr-864	48	13	services	service	NOUN
ahmr-864	48	14	of	of	ADP
ahmr-864	48	15	any	any	DET
ahmr-864	48	16	other	other	ADJ
ahmr-864	48	17	entities	entity	NOUN
ahmr-864	48	18	for	for	ADP
ahmr-864	48	19	the	the	DET
ahmr-864	48	20	purpose	purpose	NOUN
ahmr-864	48	21	of	of	ADP
ahmr-864	48	22	capturing	capturing	NOUN
ahmr-864	48	23	and	and	CCONJ
ahmr-864	48	24	disbursement	disbursement	NOUN
ahmr-864	48	25	.	.	PUNCT
ahmr-864	49	1	such	such	ADJ
ahmr-864	49	2	networks	network	NOUN
ahmr-864	49	3	can	can	AUX
ahmr-864	49	4	only	only	ADV
ahmr-864	49	5	be	be	AUX
ahmr-864	49	6	implemented	implement	VERB
ahmr-864	49	7	if	if	SCONJ
ahmr-864	49	8	the	the	DET
ahmr-864	49	9	rsp	rsp	PROPN
ahmr-864	49	10	has	have	VERB
ahmr-864	49	11	physical	physical	ADJ
ahmr-864	49	12	access	access	NOUN
ahmr-864	49	13	points	point	NOUN
ahmr-864	49	14	in	in	ADP
ahmr-864	49	15	both	both	CCONJ
ahmr-864	49	16	the	the	DET
ahmr-864	49	17	sending	sending	NOUN
ahmr-864	49	18	and	and	CCONJ
ahmr-864	49	19	recipient	recipient	NOUN
ahmr-864	49	20	countries	country	NOUN
ahmr-864	49	21	or	or	CCONJ
ahmr-864	49	22	if	if	SCONJ
ahmr-864	49	23	the	the	DET
ahmr-864	49	24	network	network	NOUN
ahmr-864	49	25	is	be	AUX
ahmr-864	49	26	a	a	DET
ahmr-864	49	27	virtual	virtual	ADJ
ahmr-864	49	28	one	one	NUM
ahmr-864	49	29	.	.	PUNCT
ahmr-864	50	1	access	access	NOUN
ahmr-864	50	2	points	point	NOUN
ahmr-864	50	3	are	be	AUX
ahmr-864	50	4	not	not	PART
ahmr-864	50	5	physical	physical	ADJ
ahmr-864	50	6	agents	agent	NOUN
ahmr-864	50	7	but	but	CCONJ
ahmr-864	50	8	electronic	electronic	ADJ
ahmr-864	50	9	devices	device	NOUN
ahmr-864	50	10	such	such	ADJ
ahmr-864	50	11	as	as	ADP
ahmr-864	50	12	computers	computer	NOUN
ahmr-864	50	13	or	or	CCONJ
ahmr-864	50	14	mobile	mobile	ADJ
ahmr-864	50	15	phones	phone	NOUN
ahmr-864	50	16	(	(	PUNCT
ahmr-864	50	17	see	see	VERB
ahmr-864	50	18	cpss	cpss	PROPN
ahmr-864	50	19	,	,	PUNCT
ahmr-864	50	20	2005:9	2005:9	NUM
ahmr-864	50	21	;	;	PUNCT
ahmr-864	50	22	biller	biller	NOUN
ahmr-864	50	23	,	,	PUNCT
ahmr-864	50	24	2007	2007	NUM
ahmr-864	50	25	)	)	PUNCT
ahmr-864	50	26	.	.	PUNCT
ahmr-864	51	1	unilateral	unilateral	ADJ
ahmr-864	51	2	remittance	remittance	NOUN
ahmr-864	51	3	networks	network	NOUN
ahmr-864	51	4	are	be	AUX
ahmr-864	51	5	rare	rare	ADJ
ahmr-864	51	6	due	due	ADJ
ahmr-864	51	7	to	to	ADP
ahmr-864	51	8	scarcity	scarcity	NOUN
ahmr-864	51	9	of	of	ADP
ahmr-864	51	10	physical	physical	ADJ
ahmr-864	51	11	access	access	NOUN
ahmr-864	51	12	points	point	NOUN
ahmr-864	51	13	and	and	CCONJ
ahmr-864	51	14	lack	lack	NOUN
ahmr-864	51	15	of	of	ADP
ahmr-864	51	16	access	access	NOUN
ahmr-864	51	17	to	to	ADP
ahmr-864	51	18	electronic	electronic	ADJ
ahmr-864	51	19	communications	communication	NOUN
ahmr-864	51	20	and	and	CCONJ
ahmr-864	51	21	banking	banking	NOUN
ahmr-864	51	22	in	in	ADP
ahmr-864	51	23	general	general	ADJ
ahmr-864	51	24	.	.	PUNCT
ahmr-864	52	1	in	in	ADP
ahmr-864	52	2	a	a	DET
ahmr-864	52	3	franchised	franchised	ADJ
ahmr-864	52	4	remittance	remittance	NOUN
ahmr-864	52	5	network	network	NOUN
ahmr-864	52	6	,	,	PUNCT
ahmr-864	52	7	an	an	DET
ahmr-864	52	8	rsp	rsp	NOUN
ahmr-864	52	9	creates	create	VERB
ahmr-864	52	10	a	a	DET
ahmr-864	52	11	remittance	remittance	NOUN
ahmr-864	52	12	network	network	NOUN
ahmr-864	52	13	without	without	ADP
ahmr-864	52	14	owning	own	VERB
ahmr-864	52	15	any	any	PRON
ahmr-864	52	16	of	of	ADP
ahmr-864	52	17	the	the	DET
ahmr-864	52	18	physical	physical	ADJ
ahmr-864	52	19	access	access	NOUN
ahmr-864	52	20	points	point	NOUN
ahmr-864	52	21	.	.	PUNCT
ahmr-864	53	1	the	the	DET
ahmr-864	53	2	rsp	rsp	PROPN
ahmr-864	53	3	provides	provide	VERB
ahmr-864	53	4	the	the	DET
ahmr-864	53	5	infrastructure	infrastructure	NOUN
ahmr-864	53	6	for	for	ADP
ahmr-864	53	7	the	the	DET
ahmr-864	53	8	messaging	messaging	NOUN
ahmr-864	53	9	and	and	CCONJ
ahmr-864	53	10	settlement	settlement	NOUN
ahmr-864	53	11	aspects	aspect	NOUN
ahmr-864	53	12	of	of	ADP
ahmr-864	53	13	the	the	DET
ahmr-864	53	14	remittance	remittance	NOUN
ahmr-864	53	15	transaction	transaction	NOUN
ahmr-864	53	16	and	and	CCONJ
ahmr-864	53	17	acquires	acquire	VERB
ahmr-864	53	18	physical	physical	ADJ
ahmr-864	53	19	access	access	NOUN
ahmr-864	53	20	points	point	NOUN
ahmr-864	53	21	by	by	ADP
ahmr-864	53	22	inviting	invite	VERB
ahmr-864	53	23	institutions	institution	NOUN
ahmr-864	53	24	in	in	ADP
ahmr-864	53	25	both	both	CCONJ
ahmr-864	53	26	the	the	DET
ahmr-864	53	27	sending	sending	NOUN
ahmr-864	53	28	and	and	CCONJ
ahmr-864	53	29	recipient	recipient	NOUN
ahmr-864	53	30	countries	country	NOUN
ahmr-864	53	31	to	to	PART
ahmr-864	53	32	offer	offer	VERB
ahmr-864	53	33	services	service	NOUN
ahmr-864	53	34	as	as	ADP
ahmr-864	53	35	agents	agent	NOUN
ahmr-864	53	36	of	of	ADP
ahmr-864	53	37	the	the	DET
ahmr-864	53	38	rsp	rsp	NOUN
ahmr-864	53	39	on	on	ADP
ahmr-864	53	40	standardized	standardized	ADJ
ahmr-864	53	41	terms	term	NOUN
ahmr-864	53	42	(	(	PUNCT
ahmr-864	53	43	cpss	cpss	NOUN
ahmr-864	53	44	,	,	PUNCT
ahmr-864	53	45	2005	2005	NUM
ahmr-864	53	46	:	:	PUNCT
ahmr-864	53	47	9	9	NUM
ahmr-864	53	48	)	)	PUNCT
ahmr-864	53	49	.	.	PUNCT
ahmr-864	54	1	this	this	DET
ahmr-864	54	2	type	type	NOUN
ahmr-864	54	3	of	of	ADP
ahmr-864	54	4	network	network	NOUN
ahmr-864	54	5	is	be	AUX
ahmr-864	54	6	typically	typically	ADV
ahmr-864	54	7	associated	associate	VERB
ahmr-864	54	8	with	with	ADP
ahmr-864	54	9	global	global	ADJ
ahmr-864	54	10	money	money	NOUN
ahmr-864	54	11	transfer	transfer	NOUN
ahmr-864	54	12	organizations	organization	NOUN
ahmr-864	54	13	(	(	PUNCT
ahmr-864	54	14	mtos	mto	NOUN
ahmr-864	54	15	)	)	PUNCT
ahmr-864	54	16	such	such	ADJ
ahmr-864	54	17	as	as	ADP
ahmr-864	54	18	western	western	ADJ
ahmr-864	54	19	union	union	NOUN
ahmr-864	54	20	which	which	PRON
ahmr-864	54	21	utilize	utilize	VERB
ahmr-864	54	22	,	,	PUNCT
ahmr-864	54	23	inter	inter	PROPN
ahmr-864	54	24	alia	alia	NOUN
ahmr-864	54	25	,	,	PUNCT
ahmr-864	54	26	banks	bank	NOUN
ahmr-864	54	27	and	and	CCONJ
ahmr-864	54	28	post	post	VERB
ahmr-864	54	29	offices	office	NOUN
ahmr-864	54	30	as	as	ADP
ahmr-864	54	31	agents	agent	NOUN
ahmr-864	54	32	(	(	PUNCT
ahmr-864	54	33	imf	imf	PROPN
ahmr-864	54	34	,	,	PUNCT
ahmr-864	54	35	2009	2009	NUM
ahmr-864	54	36	:	:	PUNCT
ahmr-864	54	37	9	9	NUM
ahmr-864	54	38	)	)	PUNCT
ahmr-864	54	39	.	.	PUNCT
ahmr-864	55	1	in	in	ADP
ahmr-864	55	2	a	a	DET
ahmr-864	55	3	negotiated	negotiate	VERB
ahmr-864	55	4	remittance	remittance	NOUN
ahmr-864	55	5	service	service	NOUN
ahmr-864	55	6	network	network	NOUN
ahmr-864	55	7	,	,	PUNCT
ahmr-864	55	8	an	an	DET
ahmr-864	55	9	rsp	rsp	NOUN
ahmr-864	55	10	negotiates	negotiate	NOUN
ahmr-864	55	11	and	and	CCONJ
ahmr-864	55	12	establishes	establish	VERB
ahmr-864	55	13	a	a	DET
ahmr-864	55	14	network	network	NOUN
ahmr-864	55	15	with	with	ADP
ahmr-864	55	16	an	an	DET
ahmr-864	55	17	institution	institution	NOUN
ahmr-864	55	18	or	or	CCONJ
ahmr-864	55	19	institutions	institution	NOUN
ahmr-864	55	20	,	,	PUNCT
ahmr-864	55	21	or	or	CCONJ
ahmr-864	55	22	even	even	ADV
ahmr-864	55	23	individuals	individual	NOUN
ahmr-864	55	24	,	,	PUNCT
ahmr-864	55	25	in	in	ADP
ahmr-864	55	26	other	other	ADJ
ahmr-864	55	27	countries	country	NOUN
ahmr-864	55	28	and	and	CCONJ
ahmr-864	55	29	by	by	ADP
ahmr-864	55	30	doing	do	VERB
ahmr-864	55	31	so	so	ADV
ahmr-864	55	32	creates	create	VERB
ahmr-864	55	33	an	an	DET
ahmr-864	55	34	adequate	adequate	ADJ
ahmr-864	55	35	network	network	NOUN
ahmr-864	55	36	of	of	ADP
ahmr-864	55	37	access	access	NOUN
ahmr-864	55	38	points	point	NOUN
ahmr-864	55	39	(	(	PUNCT
ahmr-864	55	40	cpss	cpss	NOUN
ahmr-864	55	41	and	and	CCONJ
ahmr-864	55	42	world	world	PROPN
ahmr-864	55	43	bank	bank	PROPN
ahmr-864	55	44	,	,	PUNCT
ahmr-864	55	45	2007	2007	NUM
ahmr-864	55	46	)	)	PUNCT
ahmr-864	55	47	.	.	PUNCT
ahmr-864	56	1	it	it	PRON
ahmr-864	56	2	is	be	AUX
ahmr-864	56	3	typical	typical	ADJ
ahmr-864	56	4	for	for	SCONJ
ahmr-864	56	5	funds	fund	NOUN
ahmr-864	56	6	to	to	PART
ahmr-864	56	7	be	be	AUX
ahmr-864	56	8	paid	pay	VERB
ahmr-864	56	9	out	out	ADP
ahmr-864	56	10	to	to	ADP
ahmr-864	56	11	the	the	DET
ahmr-864	56	12	recipient	recipient	NOUN
ahmr-864	56	13	before	before	SCONJ
ahmr-864	56	14	the	the	DET
ahmr-864	56	15	disbursing	disburse	VERB
ahmr-864	56	16	rsp	rsp	PROPN
ahmr-864	56	17	actually	actually	ADV
ahmr-864	56	18	receives	receive	VERB
ahmr-864	56	19	funds	fund	NOUN
ahmr-864	56	20	from	from	ADP
ahmr-864	56	21	the	the	DET
ahmr-864	56	22	capturing	capture	VERB
ahmr-864	56	23	rsp	rsp	NOUN
ahmr-864	56	24	with	with	ADP
ahmr-864	56	25	no	no	DET
ahmr-864	56	26	guarantee	guarantee	NOUN
ahmr-864	56	27	of	of	ADP
ahmr-864	56	28	payment	payment	NOUN
ahmr-864	56	29	aside	aside	ADV
ahmr-864	56	30	from	from	ADP
ahmr-864	56	31	the	the	DET
ahmr-864	56	32	expectation	expectation	NOUN
ahmr-864	56	33	that	that	SCONJ
ahmr-864	56	34	the	the	DET
ahmr-864	56	35	capturing	capture	VERB
ahmr-864	56	36	agent	agent	NOUN
ahmr-864	56	37	will	will	AUX
ahmr-864	56	38	settle	settle	VERB
ahmr-864	56	39	the	the	DET
ahmr-864	56	40	amount	amount	NOUN
ahmr-864	56	41	in	in	ADP
ahmr-864	56	42	future	future	NOUN
ahmr-864	56	43	(	(	PUNCT
ahmr-864	56	44	biller	biller	NOUN
ahmr-864	56	45	,	,	PUNCT
ahmr-864	56	46	2007	2007	NUM
ahmr-864	56	47	)	)	PUNCT
ahmr-864	56	48	.	.	PUNCT
ahmr-864	57	1	in	in	ADP
ahmr-864	57	2	an	an	DET
ahmr-864	57	3	open	open	ADJ
ahmr-864	57	4	remittance	remittance	NOUN
ahmr-864	57	5	network	network	NOUN
ahmr-864	57	6	,	,	PUNCT
ahmr-864	57	7	an	an	DET
ahmr-864	57	8	rsp	rsp	NOUN
ahmr-864	57	9	is	be	AUX
ahmr-864	57	10	able	able	ADJ
ahmr-864	57	11	to	to	PART
ahmr-864	57	12	offer	offer	VERB
ahmr-864	57	13	remittance	remittance	NOUN
ahmr-864	57	14	services	service	NOUN
ahmr-864	57	15	to	to	ADP
ahmr-864	57	16	customers	customer	NOUN
ahmr-864	57	17	without	without	ADP
ahmr-864	57	18	owning	own	VERB
ahmr-864	57	19	any	any	DET
ahmr-864	57	20	access	access	NOUN
ahmr-864	57	21	points	point	NOUN
ahmr-864	57	22	in	in	ADP
ahmr-864	57	23	the	the	DET
ahmr-864	57	24	recipient	recipient	NOUN
ahmr-864	57	25	country	country	NOUN
ahmr-864	57	26	.	.	PUNCT
ahmr-864	58	1	it	it	PRON
ahmr-864	58	2	obtains	obtain	VERB
ahmr-864	58	3	access	access	NOUN
ahmr-864	58	4	points	point	NOUN
ahmr-864	58	5	by	by	ADP
ahmr-864	58	6	using	use	VERB
ahmr-864	58	7	an	an	DET
ahmr-864	58	8	open	open	ADJ
ahmr-864	58	9	network	network	NOUN
ahmr-864	58	10	which	which	PRON
ahmr-864	58	11	any	any	DET
ahmr-864	58	12	rsp	rsp	NOUN
ahmr-864	58	13	can	can	AUX
ahmr-864	58	14	access	access	VERB
ahmr-864	58	15	(	(	PUNCT
ahmr-864	58	16	cpss	cpss	NOUN
ahmr-864	58	17	and	and	CCONJ
ahmr-864	58	18	world	world	PROPN
ahmr-864	58	19	bank	bank	PROPN
ahmr-864	58	20	,	,	PUNCT
ahmr-864	58	21	2007	2007	NUM
ahmr-864	58	22	)	)	PUNCT
ahmr-864	58	23	.	.	PUNCT
ahmr-864	59	1	these	these	DET
ahmr-864	59	2	networks	network	NOUN
ahmr-864	59	3	are	be	AUX
ahmr-864	59	4	not	not	PART
ahmr-864	59	5	pre	pre	ADJ
ahmr-864	59	6	-	-	VERB
ahmr-864	59	7	negotiated	negotiated	ADJ
ahmr-864	59	8	and	and	CCONJ
ahmr-864	59	9	usually	usually	ADV
ahmr-864	59	10	,	,	PUNCT
ahmr-864	59	11	as	as	ADP
ahmr-864	59	12	a	a	DET
ahmr-864	59	13	consequence	consequence	NOUN
ahmr-864	59	14	,	,	PUNCT
ahmr-864	59	15	the	the	DET
ahmr-864	59	16	messaging	messaging	NOUN
ahmr-864	59	17	and	and	CCONJ
ahmr-864	59	18	settlement	settlement	NOUN
ahmr-864	59	19	aspects	aspect	NOUN
ahmr-864	59	20	of	of	ADP
ahmr-864	59	21	a	a	DET
ahmr-864	59	22	transaction	transaction	NOUN
ahmr-864	59	23	occur	occur	VERB
ahmr-864	59	24	simultaneously	simultaneously	ADV
ahmr-864	59	25	.	.	PUNCT
ahmr-864	60	1	rsps	rsp	NOUN
ahmr-864	60	2	that	that	PRON
ahmr-864	60	3	are	be	AUX
ahmr-864	60	4	not	not	PART
ahmr-864	60	5	banks	bank	NOUN
ahmr-864	60	6	can	can	AUX
ahmr-864	60	7	access	access	VERB
ahmr-864	60	8	the	the	DET
ahmr-864	60	9	network	network	NOUN
ahmr-864	60	10	via	via	ADP
ahmr-864	60	11	banks	bank	NOUN
ahmr-864	60	12	that	that	PRON
ahmr-864	60	13	they	they	PRON
ahmr-864	60	14	hold	hold	VERB
ahmr-864	60	15	accounts	account	NOUN
ahmr-864	60	16	with	with	ADP
ahmr-864	60	17	.	.	PUNCT
ahmr-864	61	1	the	the	DET
ahmr-864	61	2	remittance	remittance	NOUN
ahmr-864	61	3	process	process	NOUN
ahmr-864	61	4	a	a	DET
ahmr-864	61	5	variety	variety	NOUN
ahmr-864	61	6	of	of	ADP
ahmr-864	61	7	activities	activity	NOUN
ahmr-864	61	8	transpire	transpire	VERB
ahmr-864	61	9	within	within	ADP
ahmr-864	61	10	the	the	DET
ahmr-864	61	11	process	process	NOUN
ahmr-864	61	12	of	of	ADP
ahmr-864	61	13	making	make	VERB
ahmr-864	61	14	a	a	DET
ahmr-864	61	15	remittance	remittance	NOUN
ahmr-864	61	16	transaction	transaction	NOUN
ahmr-864	61	17	.	.	PUNCT
ahmr-864	62	1	of	of	ADP
ahmr-864	62	2	these	these	DET
ahmr-864	62	3	activities	activity	NOUN
ahmr-864	62	4	,	,	PUNCT
ahmr-864	62	5	the	the	DET
ahmr-864	62	6	capturing	capturing	ADJ
ahmr-864	62	7	and	and	CCONJ
ahmr-864	62	8	disbursement	disbursement	NOUN
ahmr-864	62	9	aspects	aspect	NOUN
ahmr-864	62	10	are	be	AUX
ahmr-864	62	11	the	the	DET
ahmr-864	62	12	most	most	ADV
ahmr-864	62	13	visible	visible	ADJ
ahmr-864	62	14	to	to	ADP
ahmr-864	62	15	the	the	DET
ahmr-864	62	16	end	end	NOUN
ahmr-864	62	17	user	user	NOUN
ahmr-864	62	18	.	.	PUNCT
ahmr-864	63	1	messaging	messaging	NOUN
ahmr-864	63	2	and	and	CCONJ
ahmr-864	63	3	settlement	settlement	NOUN
ahmr-864	63	4	,	,	PUNCT
ahmr-864	63	5	which	which	PRON
ahmr-864	63	6	transpire	transpire	VERB
ahmr-864	63	7	between	between	ADP
ahmr-864	63	8	capturing	capturing	NOUN
ahmr-864	63	9	and	and	CCONJ
ahmr-864	63	10	disbursement	disbursement	NOUN
ahmr-864	63	11	,	,	PUNCT
ahmr-864	63	12	are	be	AUX
ahmr-864	63	13	not	not	PART
ahmr-864	63	14	as	as	ADV
ahmr-864	63	15	apparent	apparent	ADJ
ahmr-864	63	16	.	.	PUNCT
ahmr-864	64	1	capturing	capture	VERB
ahmr-864	64	2	involves	involve	VERB
ahmr-864	64	3	the	the	DET
ahmr-864	64	4	sender	sender	NOUN
ahmr-864	64	5	paying	pay	VERB
ahmr-864	64	6	funds	fund	NOUN
ahmr-864	64	7	to	to	PART
ahmr-864	64	8	be	be	AUX
ahmr-864	64	9	sent	send	VERB
ahmr-864	64	10	,	,	PUNCT
ahmr-864	64	11	as	as	ADV
ahmr-864	64	12	well	well	ADV
ahmr-864	64	13	as	as	ADP
ahmr-864	64	14	the	the	DET
ahmr-864	64	15	applicable	applicable	ADJ
ahmr-864	64	16	transaction	transaction	NOUN
ahmr-864	64	17	fees	fee	NOUN
ahmr-864	64	18	,	,	PUNCT
ahmr-864	64	19	to	to	ADP
ahmr-864	64	20	the	the	DET
ahmr-864	64	21	rsp	rsp	NOUN
ahmr-864	64	22	or	or	CCONJ
ahmr-864	64	23	its	its	PRON
ahmr-864	64	24	agent	agent	NOUN
ahmr-864	64	25	.	.	PUNCT
ahmr-864	65	1	payment	payment	NOUN
ahmr-864	65	2	can	can	AUX
ahmr-864	65	3	be	be	AUX
ahmr-864	65	4	effected	effect	VERB
ahmr-864	65	5	by	by	ADP
ahmr-864	65	6	any	any	DET
ahmr-864	65	7	means	mean	NOUN
ahmr-864	65	8	acceptable	acceptable	ADJ
ahmr-864	65	9	to	to	ADP
ahmr-864	65	10	the	the	DET
ahmr-864	65	11	sender	sender	NOUN
ahmr-864	65	12	and	and	CCONJ
ahmr-864	65	13	rsp	rsp	PROPN
ahmr-864	65	14	and	and	CCONJ
ahmr-864	65	15	may	may	AUX
ahmr-864	65	16	be	be	AUX
ahmr-864	65	17	done	do	VERB
ahmr-864	65	18	via	via	ADP
ahmr-864	65	19	cash	cash	NOUN
ahmr-864	65	20	,	,	PUNCT
ahmr-864	65	21	cheque	cheque	NOUN
ahmr-864	65	22	or	or	CCONJ
ahmr-864	65	23	account	account	NOUN
ahmr-864	65	24	transfer	transfer	NOUN
ahmr-864	65	25	.	.	PUNCT
ahmr-864	66	1	the	the	DET
ahmr-864	66	2	mode	mode	NOUN
ahmr-864	66	3	of	of	ADP
ahmr-864	66	4	payment	payment	NOUN
ahmr-864	66	5	may	may	AUX
ahmr-864	66	6	be	be	AUX
ahmr-864	66	7	influenced	influence	VERB
ahmr-864	66	8	by	by	ADP
ahmr-864	66	9	the	the	DET
ahmr-864	66	10	nature	nature	NOUN
ahmr-864	66	11	of	of	ADP
ahmr-864	66	12	the	the	DET
ahmr-864	66	13	rsp	rsp	PROPN
ahmr-864	66	14	.	.	PUNCT
ahmr-864	67	1	for	for	ADP
ahmr-864	67	2	53	53	NUM
ahmr-864	67	3	instance	instance	NOUN
ahmr-864	67	4	,	,	PUNCT
ahmr-864	67	5	if	if	SCONJ
ahmr-864	67	6	the	the	DET
ahmr-864	67	7	rsp	rsp	PROPN
ahmr-864	67	8	is	be	AUX
ahmr-864	67	9	a	a	DET
ahmr-864	67	10	bank	bank	NOUN
ahmr-864	67	11	,	,	PUNCT
ahmr-864	67	12	payment	payment	NOUN
ahmr-864	67	13	is	be	AUX
ahmr-864	67	14	more	more	ADV
ahmr-864	67	15	likely	likely	ADJ
ahmr-864	67	16	to	to	PART
ahmr-864	67	17	be	be	AUX
ahmr-864	67	18	effected	effect	VERB
ahmr-864	67	19	via	via	ADP
ahmr-864	67	20	an	an	DET
ahmr-864	67	21	account	account	NOUN
ahmr-864	67	22	transfer	transfer	NOUN
ahmr-864	67	23	.	.	PUNCT
ahmr-864	68	1	transactions	transaction	NOUN
ahmr-864	68	2	are	be	AUX
ahmr-864	68	3	typically	typically	ADV
ahmr-864	68	4	carried	carry	VERB
ahmr-864	68	5	out	out	ADP
ahmr-864	68	6	at	at	ADP
ahmr-864	68	7	a	a	DET
ahmr-864	68	8	physical	physical	ADJ
ahmr-864	68	9	location	location	NOUN
ahmr-864	68	10	such	such	ADJ
ahmr-864	68	11	as	as	ADP
ahmr-864	68	12	a	a	DET
ahmr-864	68	13	bank	bank	NOUN
ahmr-864	68	14	branch	branch	NOUN
ahmr-864	68	15	,	,	PUNCT
ahmr-864	68	16	post	post	VERB
ahmr-864	68	17	office	office	NOUN
ahmr-864	68	18	and	and	CCONJ
ahmr-864	68	19	so	so	ADV
ahmr-864	68	20	forth	forth	ADV
ahmr-864	68	21	.	.	PUNCT
ahmr-864	69	1	however	however	ADV
ahmr-864	69	2	,	,	PUNCT
ahmr-864	69	3	with	with	ADP
ahmr-864	69	4	technological	technological	ADJ
ahmr-864	69	5	advancements	advancement	NOUN
ahmr-864	69	6	it	it	PRON
ahmr-864	69	7	is	be	AUX
ahmr-864	69	8	now	now	ADV
ahmr-864	69	9	possible	possible	ADJ
ahmr-864	69	10	for	for	SCONJ
ahmr-864	69	11	transactions	transaction	NOUN
ahmr-864	69	12	to	to	PART
ahmr-864	69	13	be	be	AUX
ahmr-864	69	14	concluded	conclude	VERB
ahmr-864	69	15	in	in	ADP
ahmr-864	69	16	a	a	DET
ahmr-864	69	17	virtual	virtual	ADJ
ahmr-864	69	18	location	location	NOUN
ahmr-864	69	19	by	by	ADP
ahmr-864	69	20	means	mean	NOUN
ahmr-864	69	21	of	of	ADP
ahmr-864	69	22	a	a	DET
ahmr-864	69	23	computer	computer	NOUN
ahmr-864	69	24	or	or	CCONJ
ahmr-864	69	25	mobile	mobile	ADJ
ahmr-864	69	26	phone	phone	NOUN
ahmr-864	69	27	(	(	PUNCT
ahmr-864	69	28	cpss	cpss	PROPN
ahmr-864	69	29	,	,	PUNCT
ahmr-864	69	30	2005	2005	NUM
ahmr-864	69	31	:	:	PUNCT
ahmr-864	69	32	40	40	NUM
ahmr-864	69	33	)	)	PUNCT
ahmr-864	69	34	.	.	PUNCT
ahmr-864	70	1	in	in	ADP
ahmr-864	70	2	south	south	PROPN
ahmr-864	70	3	africa	africa	PROPN
ahmr-864	70	4	such	such	ADJ
ahmr-864	70	5	practice	practice	NOUN
ahmr-864	70	6	is	be	AUX
ahmr-864	70	7	possible	possible	ADJ
ahmr-864	70	8	through	through	ADV
ahmr-864	70	9	,	,	PUNCT
ahmr-864	70	10	for	for	ADP
ahmr-864	70	11	instance	instance	NOUN
ahmr-864	70	12	,	,	PUNCT
ahmr-864	70	13	absa	absa	PROPN
ahmr-864	70	14	bank	bank	PROPN
ahmr-864	70	15	and	and	CCONJ
ahmr-864	70	16	western	western	PROPN
ahmr-864	70	17	union	union	PROPN
ahmr-864	70	18	’s	’s	PART
ahmr-864	70	19	internet	internet	NOUN
ahmr-864	70	20	and	and	CCONJ
ahmr-864	70	21	mobile	mobile	NOUN
ahmr-864	70	22	remittance	remittance	NOUN
ahmr-864	70	23	services	service	NOUN
ahmr-864	70	24	.	.	PUNCT
ahmr-864	71	1	it	it	PRON
ahmr-864	71	2	is	be	AUX
ahmr-864	71	3	usually	usually	ADV
ahmr-864	71	4	necessary	necessary	ADJ
ahmr-864	71	5	for	for	SCONJ
ahmr-864	71	6	the	the	DET
ahmr-864	71	7	sender	sender	NOUN
ahmr-864	71	8	to	to	PART
ahmr-864	71	9	identify	identify	VERB
ahmr-864	71	10	themselves	themselves	PRON
ahmr-864	71	11	and	and	CCONJ
ahmr-864	71	12	to	to	PART
ahmr-864	71	13	verify	verify	VERB
ahmr-864	71	14	such	such	ADJ
ahmr-864	71	15	identity	identity	NOUN
ahmr-864	71	16	using	use	VERB
ahmr-864	71	17	documents	document	NOUN
ahmr-864	71	18	that	that	PRON
ahmr-864	71	19	are	be	AUX
ahmr-864	71	20	prescribed	prescribe	VERB
ahmr-864	71	21	by	by	ADP
ahmr-864	71	22	regulatory	regulatory	ADJ
ahmr-864	71	23	authorities	authority	NOUN
ahmr-864	71	24	.	.	PUNCT
ahmr-864	72	1	in	in	ADP
ahmr-864	72	2	contrast	contrast	NOUN
ahmr-864	72	3	,	,	PUNCT
ahmr-864	72	4	minimal	minimal	ADJ
ahmr-864	72	5	information	information	NOUN
ahmr-864	72	6	in	in	ADP
ahmr-864	72	7	regard	regard	NOUN
ahmr-864	72	8	to	to	ADP
ahmr-864	72	9	the	the	DET
ahmr-864	72	10	identity	identity	NOUN
ahmr-864	72	11	of	of	ADP
ahmr-864	72	12	the	the	DET
ahmr-864	72	13	recipient	recipient	NOUN
ahmr-864	72	14	is	be	AUX
ahmr-864	72	15	usually	usually	ADV
ahmr-864	72	16	required	require	VERB
ahmr-864	72	17	,	,	PUNCT
ahmr-864	72	18	with	with	ADP
ahmr-864	72	19	specification	specification	NOUN
ahmr-864	72	20	of	of	ADP
ahmr-864	72	21	their	their	PRON
ahmr-864	72	22	name	name	NOUN
ahmr-864	72	23	being	be	AUX
ahmr-864	72	24	the	the	DET
ahmr-864	72	25	basic	basic	ADJ
ahmr-864	72	26	minimum	minimum	ADJ
ahmr-864	72	27	requirement	requirement	NOUN
ahmr-864	72	28	.	.	PUNCT
ahmr-864	73	1	messaging	messaging	NOUN
ahmr-864	73	2	encompasses	encompass	VERB
ahmr-864	73	3	the	the	DET
ahmr-864	73	4	sending	sending	NOUN
ahmr-864	73	5	of	of	ADP
ahmr-864	73	6	information	information	NOUN
ahmr-864	73	7	in	in	ADP
ahmr-864	73	8	regard	regard	NOUN
ahmr-864	73	9	to	to	ADP
ahmr-864	73	10	the	the	DET
ahmr-864	73	11	transaction	transaction	NOUN
ahmr-864	73	12	from	from	ADP
ahmr-864	73	13	the	the	DET
ahmr-864	73	14	capturing	capture	VERB
ahmr-864	73	15	rsp	rsp	NOUN
ahmr-864	73	16	to	to	ADP
ahmr-864	73	17	the	the	DET
ahmr-864	73	18	disbursing	disburse	VERB
ahmr-864	73	19	rsp	rsp	NOUN
ahmr-864	73	20	(	(	PUNCT
ahmr-864	73	21	biller	biller	NOUN
ahmr-864	73	22	,	,	PUNCT
ahmr-864	73	23	2007	2007	NUM
ahmr-864	73	24	)	)	PUNCT
ahmr-864	73	25	and	and	CCONJ
ahmr-864	73	26	is	be	AUX
ahmr-864	73	27	predominantly	predominantly	ADV
ahmr-864	73	28	carried	carry	VERB
ahmr-864	73	29	out	out	ADP
ahmr-864	73	30	through	through	ADP
ahmr-864	73	31	the	the	DET
ahmr-864	73	32	message	message	NOUN
ahmr-864	73	33	transmission	transmission	NOUN
ahmr-864	73	34	of	of	ADP
ahmr-864	73	35	the	the	DET
ahmr-864	73	36	society	society	NOUN
ahmr-864	73	37	for	for	ADP
ahmr-864	73	38	worldwide	worldwide	ADJ
ahmr-864	73	39	interbank	interbank	NOUN
ahmr-864	73	40	financial	financial	ADJ
ahmr-864	73	41	telecommunication	telecommunication	NOUN
ahmr-864	73	42	(	(	PUNCT
ahmr-864	73	43	swift	swift	ADJ
ahmr-864	73	44	)	)	PUNCT
ahmr-864	73	45	(	(	PUNCT
ahmr-864	73	46	bis	bis	INTJ
ahmr-864	73	47	,	,	PUNCT
ahmr-864	73	48	1999	1999	NUM
ahmr-864	73	49	:	:	PUNCT
ahmr-864	73	50	158	158	NUM
ahmr-864	73	51	)	)	PUNCT
ahmr-864	73	52	.	.	PUNCT
ahmr-864	74	1	swift	swift	ADJ
ahmr-864	74	2	acts	act	NOUN
ahmr-864	74	3	as	as	ADP
ahmr-864	74	4	a	a	DET
ahmr-864	74	5	carrier	carrier	NOUN
ahmr-864	74	6	of	of	ADP
ahmr-864	74	7	financial	financial	ADJ
ahmr-864	74	8	messages	message	NOUN
ahmr-864	74	9	between	between	ADP
ahmr-864	74	10	financial	financial	ADJ
ahmr-864	74	11	institutions	institution	NOUN
ahmr-864	74	12	.	.	PUNCT
ahmr-864	75	1	depending	depend	VERB
ahmr-864	75	2	on	on	ADP
ahmr-864	75	3	the	the	DET
ahmr-864	75	4	nature	nature	NOUN
ahmr-864	75	5	of	of	ADP
ahmr-864	75	6	the	the	DET
ahmr-864	75	7	remittance	remittance	NOUN
ahmr-864	75	8	service	service	NOUN
ahmr-864	75	9	,	,	PUNCT
ahmr-864	75	10	for	for	ADP
ahmr-864	75	11	instance	instance	NOUN
ahmr-864	75	12	whether	whether	SCONJ
ahmr-864	75	13	it	it	PRON
ahmr-864	75	14	is	be	AUX
ahmr-864	75	15	an	an	DET
ahmr-864	75	16	open	open	ADJ
ahmr-864	75	17	or	or	CCONJ
ahmr-864	75	18	franchised	franchised	ADJ
ahmr-864	75	19	service	service	NOUN
ahmr-864	75	20	,	,	PUNCT
ahmr-864	75	21	funds	fund	NOUN
ahmr-864	75	22	and	and	CCONJ
ahmr-864	75	23	information	information	NOUN
ahmr-864	75	24	in	in	ADP
ahmr-864	75	25	regard	regard	NOUN
ahmr-864	75	26	to	to	ADP
ahmr-864	75	27	the	the	DET
ahmr-864	75	28	transaction	transaction	NOUN
ahmr-864	75	29	can	can	AUX
ahmr-864	75	30	be	be	AUX
ahmr-864	75	31	sent	send	VERB
ahmr-864	75	32	either	either	CCONJ
ahmr-864	75	33	simultaneously	simultaneously	ADV
ahmr-864	75	34	or	or	CCONJ
ahmr-864	75	35	independently	independently	ADV
ahmr-864	75	36	.	.	PUNCT
ahmr-864	76	1	in	in	ADP
ahmr-864	76	2	an	an	DET
ahmr-864	76	3	open	open	ADJ
ahmr-864	76	4	service	service	NOUN
ahmr-864	76	5	remittance	remittance	NOUN
ahmr-864	76	6	network	network	NOUN
ahmr-864	76	7	,	,	PUNCT
ahmr-864	76	8	funds	fund	NOUN
ahmr-864	76	9	are	be	AUX
ahmr-864	76	10	usually	usually	ADV
ahmr-864	76	11	sent	send	VERB
ahmr-864	76	12	simultaneously	simultaneously	ADV
ahmr-864	76	13	with	with	ADP
ahmr-864	76	14	information	information	NOUN
ahmr-864	76	15	about	about	ADP
ahmr-864	76	16	the	the	DET
ahmr-864	76	17	transaction	transaction	NOUN
ahmr-864	76	18	,	,	PUNCT
ahmr-864	76	19	whereas	whereas	SCONJ
ahmr-864	76	20	in	in	ADP
ahmr-864	76	21	other	other	ADJ
ahmr-864	76	22	networks	network	NOUN
ahmr-864	76	23	,	,	PUNCT
ahmr-864	76	24	funds	fund	NOUN
ahmr-864	76	25	are	be	AUX
ahmr-864	76	26	sent	send	VERB
ahmr-864	76	27	separately	separately	ADV
ahmr-864	76	28	from	from	ADP
ahmr-864	76	29	the	the	DET
ahmr-864	76	30	information	information	NOUN
ahmr-864	76	31	pertaining	pertain	VERB
ahmr-864	76	32	to	to	ADP
ahmr-864	76	33	the	the	DET
ahmr-864	76	34	transaction	transaction	NOUN
ahmr-864	76	35	(	(	PUNCT
ahmr-864	76	36	cpss	cpss	PROPN
ahmr-864	76	37	,	,	PUNCT
ahmr-864	76	38	2005	2005	NUM
ahmr-864	76	39	:	:	PUNCT
ahmr-864	76	40	41	41	NUM
ahmr-864	76	41	)	)	PUNCT
ahmr-864	76	42	.	.	PUNCT
ahmr-864	77	1	settlement	settlement	NOUN
ahmr-864	77	2	provides	provide	VERB
ahmr-864	77	3	for	for	ADP
ahmr-864	77	4	the	the	DET
ahmr-864	77	5	actual	actual	ADJ
ahmr-864	77	6	movement	movement	NOUN
ahmr-864	77	7	of	of	ADP
ahmr-864	77	8	funds	fund	NOUN
ahmr-864	77	9	between	between	ADP
ahmr-864	77	10	the	the	DET
ahmr-864	77	11	capturing	capture	VERB
ahmr-864	77	12	rsp	rsp	NOUN
ahmr-864	77	13	and	and	CCONJ
ahmr-864	77	14	the	the	DET
ahmr-864	77	15	disbursing	disburse	VERB
ahmr-864	77	16	rsp	rsp	NOUN
ahmr-864	77	17	(	(	PUNCT
ahmr-864	77	18	biller	biller	NOUN
ahmr-864	77	19	,	,	PUNCT
ahmr-864	77	20	2007	2007	NUM
ahmr-864	77	21	)	)	PUNCT
ahmr-864	77	22	.	.	PUNCT
ahmr-864	78	1	the	the	DET
ahmr-864	78	2	settlement	settlement	NOUN
ahmr-864	78	3	process	process	NOUN
ahmr-864	78	4	,	,	PUNCT
ahmr-864	78	5	depending	depend	VERB
ahmr-864	78	6	on	on	ADP
ahmr-864	78	7	the	the	DET
ahmr-864	78	8	arrangements	arrangement	NOUN
ahmr-864	78	9	in	in	ADP
ahmr-864	78	10	place	place	NOUN
ahmr-864	78	11	,	,	PUNCT
ahmr-864	78	12	can	can	AUX
ahmr-864	78	13	be	be	AUX
ahmr-864	78	14	of	of	ADP
ahmr-864	78	15	varying	vary	VERB
ahmr-864	78	16	speed	speed	NOUN
ahmr-864	78	17	and	and	CCONJ
ahmr-864	78	18	complexity	complexity	NOUN
ahmr-864	78	19	(	(	PUNCT
ahmr-864	78	20	cpss	cpss	NOUN
ahmr-864	78	21	and	and	CCONJ
ahmr-864	78	22	world	world	PROPN
ahmr-864	78	23	bank	bank	PROPN
ahmr-864	78	24	,	,	PUNCT
ahmr-864	78	25	2007	2007	NUM
ahmr-864	78	26	)	)	PUNCT
ahmr-864	78	27	.	.	PUNCT
ahmr-864	79	1	settlement	settlement	NOUN
ahmr-864	79	2	usually	usually	ADV
ahmr-864	79	3	occurs	occur	VERB
ahmr-864	79	4	in	in	ADP
ahmr-864	79	5	a	a	DET
ahmr-864	79	6	‘	'	PUNCT
ahmr-864	79	7	settlement	settlement	NOUN
ahmr-864	79	8	chain	chain	NOUN
ahmr-864	79	9	’	'	PUNCT
ahmr-864	79	10	–	–	PUNCT
ahmr-864	79	11	a	a	DET
ahmr-864	79	12	series	series	NOUN
ahmr-864	79	13	of	of	ADP
ahmr-864	79	14	separate	separate	ADJ
ahmr-864	79	15	payments	payment	NOUN
ahmr-864	79	16	each	each	PRON
ahmr-864	79	17	of	of	ADP
ahmr-864	79	18	which	which	PRON
ahmr-864	79	19	can	can	AUX
ahmr-864	79	20	be	be	AUX
ahmr-864	79	21	made	make	VERB
ahmr-864	79	22	differently	differently	ADV
ahmr-864	79	23	–	–	PUNCT
ahmr-864	79	24	by	by	ADP
ahmr-864	79	25	way	way	NOUN
ahmr-864	79	26	of	of	ADP
ahmr-864	79	27	a	a	DET
ahmr-864	79	28	credit	credit	NOUN
ahmr-864	79	29	transfer	transfer	NOUN
ahmr-864	79	30	from	from	ADP
ahmr-864	79	31	the	the	DET
ahmr-864	79	32	payer	payer	NOUN
ahmr-864	79	33	to	to	ADP
ahmr-864	79	34	the	the	DET
ahmr-864	79	35	payee	payee	NOUN
ahmr-864	79	36	’s	’s	PART
ahmr-864	79	37	bank	bank	NOUN
ahmr-864	79	38	.	.	PUNCT
ahmr-864	80	1	in	in	ADP
ahmr-864	80	2	south	south	PROPN
ahmr-864	80	3	africa	africa	PROPN
ahmr-864	80	4	,	,	PUNCT
ahmr-864	80	5	this	this	PRON
ahmr-864	80	6	takes	take	VERB
ahmr-864	80	7	place	place	NOUN
ahmr-864	80	8	through	through	ADP
ahmr-864	80	9	the	the	DET
ahmr-864	80	10	usual	usual	ADJ
ahmr-864	80	11	process	process	NOUN
ahmr-864	80	12	of	of	ADP
ahmr-864	80	13	settlement	settlement	NOUN
ahmr-864	80	14	of	of	ADP
ahmr-864	80	15	obligations	obligation	NOUN
ahmr-864	80	16	between	between	ADP
ahmr-864	80	17	the	the	DET
ahmr-864	80	18	banks	bank	NOUN
ahmr-864	80	19	as	as	ADP
ahmr-864	80	20	settlement	settlement	NOUN
ahmr-864	80	21	system	system	NOUN
ahmr-864	80	22	participants	participant	NOUN
ahmr-864	80	23	.	.	PUNCT
ahmr-864	81	1	in	in	ADP
ahmr-864	81	2	south	south	PROPN
ahmr-864	81	3	africa	africa	PROPN
ahmr-864	81	4	,	,	PUNCT
ahmr-864	81	5	rsps	rsp	NOUN
ahmr-864	81	6	that	that	PRON
ahmr-864	81	7	are	be	AUX
ahmr-864	81	8	not	not	PART
ahmr-864	81	9	banks	bank	NOUN
ahmr-864	81	10	can	can	AUX
ahmr-864	81	11	not	not	PART
ahmr-864	81	12	directly	directly	ADV
ahmr-864	81	13	access	access	VERB
ahmr-864	81	14	the	the	DET
ahmr-864	81	15	settlement	settlement	NOUN
ahmr-864	81	16	system	system	NOUN
ahmr-864	81	17	.	.	PUNCT
ahmr-864	82	1	they	they	PRON
ahmr-864	82	2	can	can	AUX
ahmr-864	82	3	only	only	ADV
ahmr-864	82	4	access	access	VERB
ahmr-864	82	5	the	the	DET
ahmr-864	82	6	settlement	settlement	NOUN
ahmr-864	82	7	system	system	NOUN
ahmr-864	82	8	indirectly	indirectly	ADV
ahmr-864	82	9	via	via	ADP
ahmr-864	82	10	the	the	DET
ahmr-864	82	11	banks	bank	NOUN
ahmr-864	82	12	that	that	PRON
ahmr-864	82	13	they	they	PRON
ahmr-864	82	14	hold	hold	VERB
ahmr-864	82	15	accounts	account	NOUN
ahmr-864	82	16	with	with	ADP
ahmr-864	82	17	.	.	PUNCT
ahmr-864	83	1	unlike	unlike	ADP
ahmr-864	83	2	payments	payment	NOUN
ahmr-864	83	3	between	between	ADP
ahmr-864	83	4	end	end	NOUN
ahmr-864	83	5	users	user	NOUN
ahmr-864	83	6	and	and	CCONJ
ahmr-864	83	7	agents	agent	NOUN
ahmr-864	83	8	,	,	PUNCT
ahmr-864	83	9	which	which	PRON
ahmr-864	83	10	are	be	AUX
ahmr-864	83	11	paid	pay	VERB
ahmr-864	83	12	on	on	ADP
ahmr-864	83	13	an	an	DET
ahmr-864	83	14	individual	individual	ADJ
ahmr-864	83	15	basis	basis	NOUN
ahmr-864	83	16	,	,	PUNCT
ahmr-864	83	17	payments	payment	NOUN
ahmr-864	83	18	between	between	ADP
ahmr-864	83	19	the	the	DET
ahmr-864	83	20	agents	agent	NOUN
ahmr-864	83	21	and	and	CCONJ
ahmr-864	83	22	rsps	rsp	NOUN
ahmr-864	83	23	can	can	AUX
ahmr-864	83	24	be	be	AUX
ahmr-864	83	25	batched	batch	VERB
ahmr-864	83	26	and	and	CCONJ
ahmr-864	83	27	possibly	possibly	ADV
ahmr-864	83	28	netted	net	VERB
ahmr-864	83	29	(	(	PUNCT
ahmr-864	83	30	cpss	cpss	PROPN
ahmr-864	83	31	,	,	PUNCT
ahmr-864	83	32	2005	2005	NUM
ahmr-864	83	33	:	:	PUNCT
ahmr-864	83	34	41	41	NUM
ahmr-864	83	35	)	)	PUNCT
ahmr-864	83	36	.	.	PUNCT
ahmr-864	84	1	in	in	ADP
ahmr-864	84	2	order	order	NOUN
ahmr-864	84	3	for	for	SCONJ
ahmr-864	84	4	netting	net	VERB
ahmr-864	84	5	arrangements	arrangement	NOUN
ahmr-864	84	6	to	to	PART
ahmr-864	84	7	function	function	VERB
ahmr-864	84	8	,	,	PUNCT
ahmr-864	84	9	it	it	PRON
ahmr-864	84	10	is	be	AUX
ahmr-864	84	11	necessary	necessary	ADJ
ahmr-864	84	12	for	for	SCONJ
ahmr-864	84	13	a	a	DET
ahmr-864	84	14	fairly	fairly	ADV
ahmr-864	84	15	even	even	ADV
ahmr-864	84	16	two	two	NUM
ahmr-864	84	17	-	-	PUNCT
ahmr-864	84	18	way	way	NOUN
ahmr-864	84	19	flow	flow	NOUN
ahmr-864	84	20	of	of	ADP
ahmr-864	84	21	remittances	remittance	NOUN
ahmr-864	84	22	between	between	ADP
ahmr-864	84	23	the	the	DET
ahmr-864	84	24	sender	sender	NOUN
ahmr-864	84	25	and	and	CCONJ
ahmr-864	84	26	recipient	recipient	NOUN
ahmr-864	84	27	to	to	PART
ahmr-864	84	28	be	be	AUX
ahmr-864	84	29	in	in	ADP
ahmr-864	84	30	place	place	NOUN
ahmr-864	84	31	(	(	PUNCT
ahmr-864	84	32	cpss	cpss	NOUN
ahmr-864	84	33	and	and	CCONJ
ahmr-864	84	34	world	world	PROPN
ahmr-864	84	35	bank	bank	PROPN
ahmr-864	84	36	,	,	PUNCT
ahmr-864	84	37	2007	2007	NUM
ahmr-864	84	38	)	)	PUNCT
ahmr-864	84	39	.	.	PUNCT
ahmr-864	85	1	despite	despite	SCONJ
ahmr-864	85	2	the	the	DET
ahmr-864	85	3	fact	fact	NOUN
ahmr-864	85	4	that	that	SCONJ
ahmr-864	85	5	settlement	settlement	NOUN
ahmr-864	85	6	occurs	occur	VERB
ahmr-864	85	7	in	in	ADP
ahmr-864	85	8	a	a	DET
ahmr-864	85	9	chain	chain	NOUN
ahmr-864	85	10	,	,	PUNCT
ahmr-864	85	11	it	it	PRON
ahmr-864	85	12	is	be	AUX
ahmr-864	85	13	not	not	PART
ahmr-864	85	14	always	always	ADV
ahmr-864	85	15	necessary	necessary	ADJ
ahmr-864	85	16	for	for	SCONJ
ahmr-864	85	17	the	the	DET
ahmr-864	85	18	disbursing	disburse	VERB
ahmr-864	85	19	agent	agent	NOUN
ahmr-864	85	20	to	to	PART
ahmr-864	85	21	wait	wait	VERB
ahmr-864	85	22	for	for	ADP
ahmr-864	85	23	the	the	DET
ahmr-864	85	24	actual	actual	ADJ
ahmr-864	85	25	receipt	receipt	NOUN
ahmr-864	85	26	of	of	ADP
ahmr-864	85	27	funds	fund	NOUN
ahmr-864	85	28	that	that	PRON
ahmr-864	85	29	have	have	AUX
ahmr-864	85	30	been	be	AUX
ahmr-864	85	31	sent	send	VERB
ahmr-864	85	32	in	in	ADP
ahmr-864	85	33	order	order	NOUN
ahmr-864	85	34	to	to	PART
ahmr-864	85	35	pay	pay	VERB
ahmr-864	85	36	the	the	DET
ahmr-864	85	37	recipient	recipient	NOUN
ahmr-864	85	38	.	.	PUNCT
ahmr-864	86	1	it	it	PRON
ahmr-864	86	2	is	be	AUX
ahmr-864	86	3	possible	possible	ADJ
ahmr-864	86	4	for	for	SCONJ
ahmr-864	86	5	liquidity	liquidity	NOUN
ahmr-864	86	6	arrangements	arrangement	NOUN
ahmr-864	86	7	to	to	PART
ahmr-864	86	8	be	be	AUX
ahmr-864	86	9	in	in	ADP
ahmr-864	86	10	place	place	NOUN
ahmr-864	86	11	,	,	PUNCT
ahmr-864	86	12	allowing	allow	VERB
ahmr-864	86	13	for	for	ADP
ahmr-864	86	14	the	the	DET
ahmr-864	86	15	disbursing	disburse	VERB
ahmr-864	86	16	rsp	rsp	NOUN
ahmr-864	86	17	to	to	PART
ahmr-864	86	18	pay	pay	VERB
ahmr-864	86	19	the	the	DET
ahmr-864	86	20	recipient	recipient	NOUN
ahmr-864	86	21	before	before	ADP
ahmr-864	86	22	actual	actual	ADJ
ahmr-864	86	23	receipt	receipt	NOUN
ahmr-864	86	24	of	of	ADP
ahmr-864	86	25	funds	fund	NOUN
ahmr-864	86	26	from	from	ADP
ahmr-864	86	27	the	the	DET
ahmr-864	86	28	capturing	capture	VERB
ahmr-864	86	29	rsp	rsp	NOUN
ahmr-864	86	30	(	(	PUNCT
ahmr-864	86	31	cpss	cpss	PROPN
ahmr-864	86	32	,	,	PUNCT
ahmr-864	86	33	2005	2005	NUM
ahmr-864	86	34	:	:	PUNCT
ahmr-864	86	35	41	41	NUM
ahmr-864	86	36	)	)	PUNCT
ahmr-864	86	37	.	.	PUNCT
ahmr-864	87	1	liquidity	liquidity	NOUN
ahmr-864	87	2	arrangements	arrangement	NOUN
ahmr-864	87	3	are	be	AUX
ahmr-864	87	4	more	more	ADV
ahmr-864	87	5	commonplace	commonplace	ADJ
ahmr-864	87	6	within	within	ADP
ahmr-864	87	7	franchised	franchised	ADJ
ahmr-864	87	8	networks	network	NOUN
ahmr-864	87	9	provided	provide	VERB
ahmr-864	87	10	by	by	ADP
ahmr-864	87	11	global	global	ADJ
ahmr-864	87	12	mtos	mto	NOUN
ahmr-864	87	13	such	such	ADJ
ahmr-864	87	14	as	as	ADP
ahmr-864	87	15	western	western	ADJ
ahmr-864	87	16	union	union	NOUN
ahmr-864	87	17	,	,	PUNCT
ahmr-864	87	18	whereby	whereby	SCONJ
ahmr-864	87	19	the	the	DET
ahmr-864	87	20	recipient	recipient	NOUN
ahmr-864	87	21	may	may	AUX
ahmr-864	87	22	collect	collect	VERB
ahmr-864	87	23	funds	fund	NOUN
ahmr-864	87	24	from	from	ADP
ahmr-864	87	25	anywhere	anywhere	ADV
ahmr-864	87	26	and	and	CCONJ
ahmr-864	87	27	the	the	DET
ahmr-864	87	28	rsp	rsp	NOUN
ahmr-864	87	29	will	will	AUX
ahmr-864	87	30	towards	towards	ADP
ahmr-864	87	31	a	a	DET
ahmr-864	87	32	legal	legal	ADJ
ahmr-864	87	33	and	and	CCONJ
ahmr-864	87	34	regulatory	regulatory	ADJ
ahmr-864	87	35	framework	framework	NOUN
ahmr-864	87	36	for	for	ADP
ahmr-864	87	37	south	south	ADJ
ahmr-864	87	38	african	african	ADJ
ahmr-864	87	39	domestic	domestic	ADJ
ahmr-864	87	40	remittances	remittance	NOUN
ahmr-864	87	41	54	54	NUM
ahmr-864	87	42	ahmr	ahmr	NOUN
ahmr-864	87	43	african	african	PROPN
ahmr-864	87	44	human	human	PROPN
ahmr-864	87	45	mobilty	mobilty	PROPN
ahmr-864	87	46	review	review	NOUN
ahmr-864	87	47	volume	volume	NOUN
ahmr-864	87	48	7	7	NUM
ahmr-864	87	49	no	no	DET
ahmr-864	87	50	1	1	NUM
ahmr-864	87	51	,	,	PUNCT
ahmr-864	87	52	jan	jan	NOUN
ahmr-864	87	53	-	-	PUNCT
ahmr-864	87	54	apr	apr	NOUN
ahmr-864	87	55	2021	2021	NUM
ahmr-864	87	56	not	not	PART
ahmr-864	87	57	be	be	AUX
ahmr-864	87	58	aware	aware	ADJ
ahmr-864	87	59	of	of	ADP
ahmr-864	87	60	which	which	PRON
ahmr-864	87	61	disbursing	disburse	VERB
ahmr-864	87	62	agent	agent	NOUN
ahmr-864	87	63	to	to	PART
ahmr-864	87	64	pay	pay	VERB
ahmr-864	87	65	until	until	SCONJ
ahmr-864	87	66	the	the	DET
ahmr-864	87	67	funds	fund	NOUN
ahmr-864	87	68	are	be	AUX
ahmr-864	87	69	actually	actually	ADV
ahmr-864	87	70	collected	collect	VERB
ahmr-864	87	71	.	.	PUNCT
ahmr-864	88	1	liquidity	liquidity	NOUN
ahmr-864	88	2	arrangements	arrangement	NOUN
ahmr-864	88	3	entail	entail	VERB
ahmr-864	88	4	a	a	DET
ahmr-864	88	5	greater	great	ADJ
ahmr-864	88	6	credit	credit	NOUN
ahmr-864	88	7	risk	risk	NOUN
ahmr-864	88	8	on	on	ADP
ahmr-864	88	9	the	the	DET
ahmr-864	88	10	part	part	NOUN
ahmr-864	88	11	of	of	ADP
ahmr-864	88	12	the	the	DET
ahmr-864	88	13	rsp	rsp	NOUN
ahmr-864	88	14	and	and	CCONJ
ahmr-864	88	15	make	make	VERB
ahmr-864	88	16	it	it	PRON
ahmr-864	88	17	necessary	necessary	ADJ
ahmr-864	88	18	for	for	SCONJ
ahmr-864	88	19	the	the	DET
ahmr-864	88	20	disbursing	disburse	VERB
ahmr-864	88	21	agent	agent	NOUN
ahmr-864	88	22	to	to	PART
ahmr-864	88	23	retain	retain	VERB
ahmr-864	88	24	greater	great	ADJ
ahmr-864	88	25	liquidity	liquidity	NOUN
ahmr-864	88	26	.	.	PUNCT
ahmr-864	89	1	provision	provision	NOUN
ahmr-864	89	2	of	of	ADP
ahmr-864	89	3	greater	great	ADJ
ahmr-864	89	4	liquidity	liquidity	NOUN
ahmr-864	89	5	coupled	couple	VERB
ahmr-864	89	6	with	with	ADP
ahmr-864	89	7	the	the	DET
ahmr-864	89	8	increased	increase	VERB
ahmr-864	89	9	credit	credit	NOUN
ahmr-864	89	10	risk	risk	NOUN
ahmr-864	89	11	that	that	SCONJ
ahmr-864	89	12	the	the	DET
ahmr-864	89	13	rsp	rsp	PROPN
ahmr-864	89	14	is	be	AUX
ahmr-864	89	15	exposed	expose	VERB
ahmr-864	89	16	to	to	ADP
ahmr-864	89	17	,	,	PUNCT
ahmr-864	89	18	are	be	AUX
ahmr-864	89	19	likely	likely	ADJ
ahmr-864	89	20	to	to	PART
ahmr-864	89	21	raise	raise	VERB
ahmr-864	89	22	the	the	DET
ahmr-864	89	23	overall	overall	ADJ
ahmr-864	89	24	transaction	transaction	NOUN
ahmr-864	89	25	costs	cost	NOUN
ahmr-864	89	26	(	(	PUNCT
ahmr-864	89	27	cpss	cpss	PROPN
ahmr-864	89	28	,	,	PUNCT
ahmr-864	89	29	2005	2005	NUM
ahmr-864	89	30	:	:	PUNCT
ahmr-864	89	31	41	41	NUM
ahmr-864	89	32	)	)	PUNCT
ahmr-864	89	33	.	.	PUNCT
ahmr-864	90	1	disbursement	disbursement	NOUN
ahmr-864	90	2	entails	entail	VERB
ahmr-864	90	3	the	the	DET
ahmr-864	90	4	payment	payment	NOUN
ahmr-864	90	5	of	of	ADP
ahmr-864	90	6	funds	fund	NOUN
ahmr-864	90	7	by	by	ADP
ahmr-864	90	8	the	the	DET
ahmr-864	90	9	disbursing	disburse	VERB
ahmr-864	90	10	agent	agent	NOUN
ahmr-864	90	11	to	to	ADP
ahmr-864	90	12	the	the	DET
ahmr-864	90	13	recipient	recipient	NOUN
ahmr-864	90	14	.	.	PUNCT
ahmr-864	91	1	as	as	ADP
ahmr-864	91	2	with	with	ADP
ahmr-864	91	3	capturing	capturing	NOUN
ahmr-864	91	4	,	,	PUNCT
ahmr-864	91	5	payment	payment	NOUN
ahmr-864	91	6	can	can	AUX
ahmr-864	91	7	occur	occur	VERB
ahmr-864	91	8	via	via	ADP
ahmr-864	91	9	any	any	DET
ahmr-864	91	10	means	mean	NOUN
ahmr-864	91	11	acceptable	acceptable	ADJ
ahmr-864	91	12	to	to	ADP
ahmr-864	91	13	the	the	DET
ahmr-864	91	14	recipient	recipient	NOUN
ahmr-864	91	15	and	and	CCONJ
ahmr-864	91	16	the	the	DET
ahmr-864	91	17	disbursing	disburse	VERB
ahmr-864	91	18	agent	agent	NOUN
ahmr-864	91	19	.	.	PUNCT
ahmr-864	92	1	where	where	SCONJ
ahmr-864	92	2	money	money	NOUN
ahmr-864	92	3	is	be	AUX
ahmr-864	92	4	sent	send	VERB
ahmr-864	92	5	via	via	ADP
ahmr-864	92	6	an	an	DET
ahmr-864	92	7	mto	mto	NOUN
ahmr-864	92	8	,	,	PUNCT
ahmr-864	92	9	the	the	DET
ahmr-864	92	10	sender	sender	NOUN
ahmr-864	92	11	is	be	AUX
ahmr-864	92	12	typically	typically	ADV
ahmr-864	92	13	required	require	VERB
ahmr-864	92	14	to	to	PART
ahmr-864	92	15	provide	provide	VERB
ahmr-864	92	16	a	a	DET
ahmr-864	92	17	multi	multi	ADJ
ahmr-864	92	18	transfer	transfer	NOUN
ahmr-864	92	19	control	control	NOUN
ahmr-864	92	20	number	number	NOUN
ahmr-864	92	21	(	(	PUNCT
ahmr-864	92	22	mtcn	mtcn	NOUN
ahmr-864	92	23	)	)	PUNCT
ahmr-864	92	24	and	and	CCONJ
ahmr-864	92	25	answer	answer	VERB
ahmr-864	92	26	a	a	DET
ahmr-864	92	27	test	test	NOUN
ahmr-864	92	28	question	question	NOUN
ahmr-864	92	29	set	set	VERB
ahmr-864	92	30	by	by	ADP
ahmr-864	92	31	the	the	DET
ahmr-864	92	32	sender	sender	NOUN
ahmr-864	92	33	.	.	PUNCT
ahmr-864	93	1	failure	failure	NOUN
ahmr-864	93	2	to	to	PART
ahmr-864	93	3	provide	provide	VERB
ahmr-864	93	4	the	the	DET
ahmr-864	93	5	correct	correct	ADJ
ahmr-864	93	6	mtcn	mtcn	NOUN
ahmr-864	93	7	or	or	CCONJ
ahmr-864	93	8	answer	answer	VERB
ahmr-864	93	9	the	the	DET
ahmr-864	93	10	set	set	NOUN
ahmr-864	93	11	question	question	NOUN
ahmr-864	93	12	correctly	correctly	ADV
ahmr-864	93	13	,	,	PUNCT
ahmr-864	93	14	prevents	prevent	VERB
ahmr-864	93	15	the	the	DET
ahmr-864	93	16	recipient	recipient	NOUN
ahmr-864	93	17	from	from	ADP
ahmr-864	93	18	obtaining	obtain	VERB
ahmr-864	93	19	the	the	DET
ahmr-864	93	20	funds	fund	NOUN
ahmr-864	93	21	from	from	ADP
ahmr-864	93	22	the	the	DET
ahmr-864	93	23	disbursing	disburse	VERB
ahmr-864	93	24	agent	agent	NOUN
ahmr-864	93	25	.	.	PUNCT
ahmr-864	94	1	remittance	remittance	NOUN
ahmr-864	94	2	channels	channel	NOUN
ahmr-864	94	3	when	when	SCONJ
ahmr-864	94	4	migrants	migrant	NOUN
ahmr-864	94	5	decide	decide	VERB
ahmr-864	94	6	to	to	PART
ahmr-864	94	7	send	send	VERB
ahmr-864	94	8	funds	fund	NOUN
ahmr-864	94	9	beyond	beyond	ADP
ahmr-864	94	10	the	the	DET
ahmr-864	94	11	host	host	NOUN
ahmr-864	94	12	country	country	NOUN
ahmr-864	94	13	’s	’s	PART
ahmr-864	94	14	borders	border	NOUN
ahmr-864	94	15	,	,	PUNCT
ahmr-864	94	16	they	they	PRON
ahmr-864	94	17	have	have	VERB
ahmr-864	94	18	the	the	DET
ahmr-864	94	19	option	option	NOUN
ahmr-864	94	20	of	of	ADP
ahmr-864	94	21	channeling	channel	VERB
ahmr-864	94	22	such	such	ADJ
ahmr-864	94	23	funds	fund	NOUN
ahmr-864	94	24	through	through	ADP
ahmr-864	94	25	either	either	CCONJ
ahmr-864	94	26	formal	formal	ADJ
ahmr-864	94	27	or	or	CCONJ
ahmr-864	94	28	informal	informal	ADJ
ahmr-864	94	29	mechanisms	mechanism	NOUN
ahmr-864	94	30	.	.	PUNCT
ahmr-864	95	1	formal	formal	ADJ
ahmr-864	95	2	channels	channel	NOUN
ahmr-864	95	3	in	in	ADP
ahmr-864	95	4	formulating	formulate	VERB
ahmr-864	95	5	a	a	DET
ahmr-864	95	6	description	description	NOUN
ahmr-864	95	7	of	of	ADP
ahmr-864	95	8	formal	formal	ADJ
ahmr-864	95	9	channels	channel	NOUN
ahmr-864	95	10	,	,	PUNCT
ahmr-864	95	11	reference	reference	NOUN
ahmr-864	95	12	can	can	AUX
ahmr-864	95	13	be	be	AUX
ahmr-864	95	14	made	make	VERB
ahmr-864	95	15	to	to	ADP
ahmr-864	95	16	the	the	DET
ahmr-864	95	17	financial	financial	ADJ
ahmr-864	95	18	department	department	NOUN
ahmr-864	95	19	of	of	ADP
ahmr-864	95	20	the	the	DET
ahmr-864	95	21	international	international	ADJ
ahmr-864	95	22	monetary	monetary	ADJ
ahmr-864	95	23	fund	fund	NOUN
ahmr-864	95	24	(	(	PUNCT
ahmr-864	95	25	imf	imf	PROPN
ahmr-864	95	26	)	)	PUNCT
ahmr-864	95	27	,	,	PUNCT
ahmr-864	95	28	which	which	PRON
ahmr-864	95	29	defines	define	VERB
ahmr-864	95	30	a	a	DET
ahmr-864	95	31	formal	formal	ADJ
ahmr-864	95	32	rsp	rsp	NOUN
ahmr-864	95	33	as	as	ADP
ahmr-864	95	34	,	,	PUNCT
ahmr-864	95	35	“	"	PUNCT
ahmr-864	95	36	a	a	DET
ahmr-864	95	37	provider	provider	NOUN
ahmr-864	95	38	that	that	PRON
ahmr-864	95	39	is	be	AUX
ahmr-864	95	40	regulated	regulate	VERB
ahmr-864	95	41	and	and	CCONJ
ahmr-864	95	42	overseen	oversee	VERB
ahmr-864	95	43	by	by	ADP
ahmr-864	95	44	competent	competent	ADJ
ahmr-864	95	45	government	government	NOUN
ahmr-864	95	46	agencies	agency	NOUN
ahmr-864	95	47	for	for	ADP
ahmr-864	95	48	its	its	PRON
ahmr-864	95	49	remittance	remittance	NOUN
ahmr-864	95	50	services	service	NOUN
ahmr-864	95	51	”	"	PUNCT
ahmr-864	95	52	(	(	PUNCT
ahmr-864	95	53	imf	imf	PROPN
ahmr-864	95	54	,	,	PUNCT
ahmr-864	95	55	2005	2005	NUM
ahmr-864	95	56	:	:	PUNCT
ahmr-864	95	57	10	10	NUM
ahmr-864	95	58	)	)	PUNCT
ahmr-864	95	59	.	.	PUNCT
ahmr-864	96	1	based	base	VERB
ahmr-864	96	2	on	on	ADP
ahmr-864	96	3	this	this	DET
ahmr-864	96	4	definition	definition	NOUN
ahmr-864	96	5	,	,	PUNCT
ahmr-864	96	6	formal	formal	ADJ
ahmr-864	96	7	remittance	remittance	NOUN
ahmr-864	96	8	channels	channel	NOUN
ahmr-864	96	9	can	can	AUX
ahmr-864	96	10	be	be	AUX
ahmr-864	96	11	described	describe	VERB
ahmr-864	96	12	as	as	ADP
ahmr-864	96	13	being	be	AUX
ahmr-864	96	14	those	those	PRON
ahmr-864	96	15	that	that	PRON
ahmr-864	96	16	are	be	AUX
ahmr-864	96	17	operated	operate	VERB
ahmr-864	96	18	within	within	ADP
ahmr-864	96	19	the	the	DET
ahmr-864	96	20	legal	legal	ADJ
ahmr-864	96	21	and	and	CCONJ
ahmr-864	96	22	regulatory	regulatory	ADJ
ahmr-864	96	23	framework	framework	NOUN
ahmr-864	96	24	and	and	CCONJ
ahmr-864	96	25	that	that	PRON
ahmr-864	96	26	are	be	AUX
ahmr-864	96	27	subject	subject	ADJ
ahmr-864	96	28	to	to	ADP
ahmr-864	96	29	the	the	DET
ahmr-864	96	30	supervision	supervision	NOUN
ahmr-864	96	31	of	of	ADP
ahmr-864	96	32	a	a	DET
ahmr-864	96	33	superior	superior	ADJ
ahmr-864	96	34	regulatory	regulatory	ADJ
ahmr-864	96	35	authority	authority	NOUN
ahmr-864	96	36	.	.	PUNCT
ahmr-864	97	1	in	in	ADP
ahmr-864	97	2	the	the	DET
ahmr-864	97	3	case	case	NOUN
ahmr-864	97	4	of	of	ADP
ahmr-864	97	5	south	south	PROPN
ahmr-864	97	6	africa	africa	PROPN
ahmr-864	97	7	,	,	PUNCT
ahmr-864	97	8	the	the	DET
ahmr-864	97	9	south	south	ADJ
ahmr-864	97	10	african	african	PROPN
ahmr-864	97	11	reserve	reserve	PROPN
ahmr-864	97	12	bank	bank	PROPN
ahmr-864	97	13	(	(	PUNCT
ahmr-864	97	14	sarb	sarb	PROPN
ahmr-864	97	15	)	)	PUNCT
ahmr-864	97	16	is	be	AUX
ahmr-864	97	17	the	the	DET
ahmr-864	97	18	latter	latter	ADJ
ahmr-864	97	19	authority	authority	NOUN
ahmr-864	97	20	.	.	PUNCT
ahmr-864	98	1	banks	bank	NOUN
ahmr-864	98	2	are	be	AUX
ahmr-864	98	3	traditionally	traditionally	ADV
ahmr-864	98	4	an	an	DET
ahmr-864	98	5	important	important	ADJ
ahmr-864	98	6	means	mean	NOUN
ahmr-864	98	7	of	of	ADP
ahmr-864	98	8	effecting	effect	VERB
ahmr-864	98	9	remittance	remittance	NOUN
ahmr-864	98	10	transactions	transaction	NOUN
ahmr-864	98	11	,	,	PUNCT
ahmr-864	98	12	which	which	PRON
ahmr-864	98	13	can	can	AUX
ahmr-864	98	14	be	be	AUX
ahmr-864	98	15	attributed	attribute	VERB
ahmr-864	98	16	to	to	ADP
ahmr-864	98	17	their	their	PRON
ahmr-864	98	18	extensive	extensive	ADJ
ahmr-864	98	19	networks	network	NOUN
ahmr-864	98	20	in	in	ADP
ahmr-864	98	21	the	the	DET
ahmr-864	98	22	country	country	NOUN
ahmr-864	98	23	and	and	CCONJ
ahmr-864	98	24	their	their	PRON
ahmr-864	98	25	participation	participation	NOUN
ahmr-864	98	26	in	in	ADP
ahmr-864	98	27	the	the	DET
ahmr-864	98	28	national	national	ADJ
ahmr-864	98	29	payment	payment	NOUN
ahmr-864	98	30	system	system	NOUN
ahmr-864	98	31	(	(	PUNCT
ahmr-864	98	32	nps	nps	PROPN
ahmr-864	98	33	)	)	PUNCT
ahmr-864	98	34	.	.	PUNCT
ahmr-864	99	1	banks	bank	NOUN
ahmr-864	99	2	also	also	ADV
ahmr-864	99	3	offer	offer	VERB
ahmr-864	99	4	internet	internet	NOUN
ahmr-864	99	5	as	as	ADV
ahmr-864	99	6	well	well	ADV
ahmr-864	99	7	as	as	ADP
ahmr-864	99	8	mobile	mobile	ADJ
ahmr-864	99	9	transfer	transfer	NOUN
ahmr-864	99	10	services	service	NOUN
ahmr-864	99	11	.	.	PUNCT
ahmr-864	100	1	previously	previously	ADV
ahmr-864	100	2	,	,	PUNCT
ahmr-864	100	3	in	in	ADP
ahmr-864	100	4	south	south	PROPN
ahmr-864	100	5	africa	africa	PROPN
ahmr-864	100	6	such	such	ADJ
ahmr-864	100	7	services	service	NOUN
ahmr-864	100	8	were	be	AUX
ahmr-864	100	9	only	only	ADV
ahmr-864	100	10	available	available	ADJ
ahmr-864	100	11	for	for	ADP
ahmr-864	100	12	domestic	domestic	ADJ
ahmr-864	100	13	transfers	transfer	NOUN
ahmr-864	100	14	.	.	PUNCT
ahmr-864	101	1	all	all	DET
ahmr-864	101	2	major	major	ADJ
ahmr-864	101	3	banks	bank	NOUN
ahmr-864	101	4	have	have	AUX
ahmr-864	101	5	now	now	ADV
ahmr-864	101	6	introduced	introduce	VERB
ahmr-864	101	7	such	such	ADJ
ahmr-864	101	8	services	service	NOUN
ahmr-864	101	9	to	to	ADP
ahmr-864	101	10	their	their	PRON
ahmr-864	101	11	internet	internet	NOUN
ahmr-864	101	12	and	and	CCONJ
ahmr-864	101	13	cell	cell	NOUN
ahmr-864	101	14	phone	phone	NOUN
ahmr-864	101	15	banking	banking	NOUN
ahmr-864	101	16	clients	client	NOUN
ahmr-864	101	17	,	,	PUNCT
ahmr-864	101	18	allowing	allow	VERB
ahmr-864	101	19	them	they	PRON
ahmr-864	101	20	to	to	PART
ahmr-864	101	21	send	send	VERB
ahmr-864	101	22	as	as	ADV
ahmr-864	101	23	well	well	ADV
ahmr-864	101	24	as	as	ADP
ahmr-864	101	25	receive	receive	VERB
ahmr-864	101	26	remittances	remittance	NOUN
ahmr-864	101	27	electronically	electronically	ADV
ahmr-864	101	28	(	(	PUNCT
ahmr-864	101	29	techcentral	techcentral	ADJ
ahmr-864	101	30	,	,	PUNCT
ahmr-864	101	31	n.d	n.d	PROPN
ahmr-864	101	32	.	.	PROPN
ahmr-864	101	33	)	)	PUNCT
ahmr-864	101	34	.	.	PUNCT
ahmr-864	102	1	mobile	mobile	ADJ
ahmr-864	102	2	payments	payment	NOUN
ahmr-864	102	3	(	(	PUNCT
ahmr-864	102	4	m	m	NOUN
ahmr-864	102	5	-	-	NOUN
ahmr-864	102	6	payments	payment	NOUN
ahmr-864	102	7	)	)	PUNCT
ahmr-864	102	8	can	can	AUX
ahmr-864	102	9	be	be	AUX
ahmr-864	102	10	described	describe	VERB
ahmr-864	102	11	as	as	ADP
ahmr-864	102	12	transactions	transaction	NOUN
ahmr-864	102	13	whereby	whereby	SCONJ
ahmr-864	102	14	customers	customer	NOUN
ahmr-864	102	15	are	be	AUX
ahmr-864	102	16	able	able	ADJ
ahmr-864	102	17	to	to	PART
ahmr-864	102	18	give	give	VERB
ahmr-864	102	19	payment	payment	NOUN
ahmr-864	102	20	instructions	instruction	NOUN
ahmr-864	102	21	by	by	ADP
ahmr-864	102	22	means	mean	NOUN
ahmr-864	102	23	of	of	ADP
ahmr-864	102	24	their	their	PRON
ahmr-864	102	25	cell	cell	NOUN
ahmr-864	102	26	phones	phone	NOUN
ahmr-864	102	27	,	,	PUNCT
ahmr-864	102	28	to	to	ADP
ahmr-864	102	29	either	either	CCONJ
ahmr-864	102	30	a	a	DET
ahmr-864	102	31	merchant	merchant	NOUN
ahmr-864	102	32	,	,	PUNCT
ahmr-864	102	33	payment	payment	NOUN
ahmr-864	102	34	service	service	NOUN
ahmr-864	102	35	provider	provider	NOUN
ahmr-864	102	36	,	,	PUNCT
ahmr-864	102	37	or	or	CCONJ
ahmr-864	102	38	,	,	PUNCT
ahmr-864	102	39	as	as	ADP
ahmr-864	102	40	in	in	ADP
ahmr-864	102	41	the	the	DET
ahmr-864	102	42	case	case	NOUN
ahmr-864	102	43	of	of	ADP
ahmr-864	102	44	south	south	PROPN
ahmr-864	102	45	africa	africa	PROPN
ahmr-864	102	46	,	,	PUNCT
ahmr-864	102	47	a	a	DET
ahmr-864	102	48	bank	bank	NOUN
ahmr-864	102	49	.	.	PUNCT
ahmr-864	103	1	upon	upon	SCONJ
ahmr-864	103	2	being	be	AUX
ahmr-864	103	3	given	give	VERB
ahmr-864	103	4	the	the	DET
ahmr-864	103	5	instruction	instruction	NOUN
ahmr-864	103	6	,	,	PUNCT
ahmr-864	103	7	the	the	DET
ahmr-864	103	8	institution	institution	NOUN
ahmr-864	103	9	proceeds	proceed	VERB
ahmr-864	103	10	to	to	PART
ahmr-864	103	11	pay	pay	VERB
ahmr-864	103	12	the	the	DET
ahmr-864	103	13	specified	specify	VERB
ahmr-864	103	14	amount	amount	NOUN
ahmr-864	103	15	towards	towards	ADP
ahmr-864	103	16	the	the	DET
ahmr-864	103	17	beneficiary	beneficiary	NOUN
ahmr-864	103	18	(	(	PUNCT
ahmr-864	103	19	bester	bester	NOUN
ahmr-864	103	20	et	et	PROPN
ahmr-864	103	21	al	al	PROPN
ahmr-864	103	22	.	.	PROPN
ahmr-864	103	23	,	,	PUNCT
ahmr-864	103	24	2010	2010	NUM
ahmr-864	103	25	:	:	PUNCT
ahmr-864	103	26	6	6	NUM
ahmr-864	103	27	)	)	PUNCT
ahmr-864	103	28	.	.	PUNCT
ahmr-864	104	1	transactions	transaction	NOUN
ahmr-864	104	2	,	,	PUNCT
ahmr-864	104	3	reportedly	reportedly	ADV
ahmr-864	104	4	,	,	PUNCT
ahmr-864	104	5	take	take	VERB
ahmr-864	104	6	between	between	ADP
ahmr-864	104	7	2	2	NUM
ahmr-864	104	8	-	-	SYM
ahmr-864	104	9	3	3	NUM
ahmr-864	104	10	minutes	minute	NOUN
ahmr-864	104	11	to	to	PART
ahmr-864	104	12	execute	execute	VERB
ahmr-864	104	13	(	(	PUNCT
ahmr-864	104	14	rasool	rasool	NOUN
ahmr-864	104	15	,	,	PUNCT
ahmr-864	104	16	2010	2010	NUM
ahmr-864	104	17	)	)	PUNCT
ahmr-864	104	18	,	,	PUNCT
ahmr-864	104	19	thereby	thereby	ADV
ahmr-864	104	20	offering	offer	VERB
ahmr-864	104	21	much	much	ADJ
ahmr-864	104	22	convenience	convenience	NOUN
ahmr-864	104	23	and	and	CCONJ
ahmr-864	104	24	appeal	appeal	NOUN
ahmr-864	104	25	.	.	PUNCT
ahmr-864	105	1	migrants	migrant	NOUN
ahmr-864	105	2	who	who	PRON
ahmr-864	105	3	are	be	AUX
ahmr-864	105	4	unbanked	unbanked	ADJ
ahmr-864	105	5	have	have	VERB
ahmr-864	105	6	the	the	DET
ahmr-864	105	7	option	option	NOUN
ahmr-864	105	8	of	of	ADP
ahmr-864	105	9	engaging	engage	VERB
ahmr-864	105	10	the	the	DET
ahmr-864	105	11	services	service	NOUN
ahmr-864	105	12	of	of	ADP
ahmr-864	105	13	money	money	NOUN
ahmr-864	105	14	55	55	NUM
ahmr-864	105	15	transfer	transfer	NOUN
ahmr-864	105	16	operators	operator	NOUN
ahmr-864	105	17	.	.	PUNCT
ahmr-864	106	1	mtos	mto	NOUN
ahmr-864	106	2	are	be	AUX
ahmr-864	106	3	financial	financial	ADJ
ahmr-864	106	4	companies	company	NOUN
ahmr-864	106	5	that	that	PRON
ahmr-864	106	6	provide	provide	VERB
ahmr-864	106	7	services	service	NOUN
ahmr-864	106	8	in	in	ADP
ahmr-864	106	9	regard	regard	NOUN
ahmr-864	106	10	to	to	ADP
ahmr-864	106	11	cross	cross	ADJ
ahmr-864	106	12	-	-	ADJ
ahmr-864	106	13	border	border	ADJ
ahmr-864	106	14	transfer	transfer	NOUN
ahmr-864	106	15	of	of	ADP
ahmr-864	106	16	funds	fund	NOUN
ahmr-864	106	17	using	use	VERB
ahmr-864	106	18	either	either	CCONJ
ahmr-864	106	19	their	their	PRON
ahmr-864	106	20	own	own	ADJ
ahmr-864	106	21	internal	internal	ADJ
ahmr-864	106	22	network	network	NOUN
ahmr-864	106	23	or	or	CCONJ
ahmr-864	106	24	another	another	DET
ahmr-864	106	25	cross	cross	ADJ
ahmr-864	106	26	-	-	ADJ
ahmr-864	106	27	border	border	ADJ
ahmr-864	106	28	banking	banking	NOUN
ahmr-864	106	29	network	network	NOUN
ahmr-864	106	30	(	(	PUNCT
ahmr-864	106	31	imf	imf	PROPN
ahmr-864	106	32	,	,	PUNCT
ahmr-864	106	33	2009	2009	NUM
ahmr-864	106	34	:	:	PUNCT
ahmr-864	106	35	9	9	X
ahmr-864	106	36	)	)	PUNCT
ahmr-864	106	37	the	the	DET
ahmr-864	106	38	services	service	NOUN
ahmr-864	106	39	of	of	ADP
ahmr-864	106	40	money	money	NOUN
ahmr-864	106	41	gram	gram	NOUN
ahmr-864	106	42	and	and	CCONJ
ahmr-864	106	43	western	western	ADJ
ahmr-864	106	44	union	union	NOUN
ahmr-864	106	45	are	be	AUX
ahmr-864	106	46	currently	currently	ADV
ahmr-864	106	47	available	available	ADJ
ahmr-864	106	48	in	in	ADP
ahmr-864	106	49	south	south	PROPN
ahmr-864	106	50	africa	africa	PROPN
ahmr-864	106	51	.	.	PUNCT
ahmr-864	107	1	according	accord	VERB
ahmr-864	107	2	to	to	ADP
ahmr-864	107	3	bradford	bradford	NOUN
ahmr-864	107	4	(	(	PUNCT
ahmr-864	107	5	2008	2008	NUM
ahmr-864	107	6	:	:	PUNCT
ahmr-864	107	7	2	2	X
ahmr-864	107	8	)	)	PUNCT
ahmr-864	107	9	these	these	DET
ahmr-864	107	10	mtos	mto	NOUN
ahmr-864	107	11	are	be	AUX
ahmr-864	107	12	two	two	NUM
ahmr-864	107	13	of	of	ADP
ahmr-864	107	14	the	the	DET
ahmr-864	107	15	worldwide	worldwide	ADJ
ahmr-864	107	16	leaders	leader	NOUN
ahmr-864	107	17	in	in	ADP
ahmr-864	107	18	this	this	DET
ahmr-864	107	19	field	field	NOUN
ahmr-864	107	20	of	of	ADP
ahmr-864	107	21	the	the	DET
ahmr-864	107	22	formal	formal	ADJ
ahmr-864	107	23	remittance	remittance	NOUN
ahmr-864	107	24	market	market	NOUN
ahmr-864	107	25	.	.	PUNCT
ahmr-864	108	1	as	as	ADP
ahmr-864	108	2	an	an	DET
ahmr-864	108	3	alternative	alternative	NOUN
ahmr-864	108	4	to	to	ADP
ahmr-864	108	5	banks	bank	NOUN
ahmr-864	108	6	and	and	CCONJ
ahmr-864	108	7	mtos	mto	NOUN
ahmr-864	108	8	,	,	PUNCT
ahmr-864	108	9	remitters	remitter	NOUN
ahmr-864	108	10	have	have	VERB
ahmr-864	108	11	the	the	DET
ahmr-864	108	12	option	option	NOUN
ahmr-864	108	13	of	of	ADP
ahmr-864	108	14	engaging	engage	VERB
ahmr-864	108	15	the	the	DET
ahmr-864	108	16	services	service	NOUN
ahmr-864	108	17	of	of	ADP
ahmr-864	108	18	the	the	DET
ahmr-864	108	19	post	post	PROPN
ahmr-864	108	20	office	office	NOUN
ahmr-864	108	21	,	,	PUNCT
ahmr-864	108	22	which	which	PRON
ahmr-864	108	23	is	be	AUX
ahmr-864	108	24	empowered	empower	VERB
ahmr-864	108	25	to	to	PART
ahmr-864	108	26	remit	remit	VERB
ahmr-864	108	27	funds	fund	NOUN
ahmr-864	108	28	within	within	ADP
ahmr-864	108	29	south	south	PROPN
ahmr-864	108	30	africa	africa	PROPN
ahmr-864	108	31	,	,	PUNCT
ahmr-864	108	32	in	in	ADP
ahmr-864	108	33	accordance	accordance	NOUN
ahmr-864	108	34	with	with	ADP
ahmr-864	108	35	section	section	NOUN
ahmr-864	108	36	46	46	NUM
ahmr-864	108	37	of	of	ADP
ahmr-864	108	38	the	the	DET
ahmr-864	108	39	post	post	PROPN
ahmr-864	108	40	office	office	PROPN
ahmr-864	108	41	act	act	NOUN
ahmr-864	108	42	44	44	NUM
ahmr-864	108	43	of	of	ADP
ahmr-864	108	44	1958	1958	NUM
ahmr-864	108	45	(	(	PUNCT
ahmr-864	108	46	rsa	rsa	NOUN
ahmr-864	108	47	,	,	PUNCT
ahmr-864	108	48	1958	1958	NUM
ahmr-864	108	49	)	)	PUNCT
ahmr-864	108	50	.	.	PUNCT
ahmr-864	109	1	in	in	ADP
ahmr-864	109	2	comparison	comparison	NOUN
ahmr-864	109	3	to	to	ADP
ahmr-864	109	4	other	other	ADJ
ahmr-864	109	5	formal	formal	ADJ
ahmr-864	109	6	rsps	rsp	NOUN
ahmr-864	109	7	,	,	PUNCT
ahmr-864	109	8	post	post	NOUN
ahmr-864	109	9	offices	office	NOUN
ahmr-864	109	10	have	have	AUX
ahmr-864	109	11	been	be	AUX
ahmr-864	109	12	identified	identify	VERB
ahmr-864	109	13	as	as	ADP
ahmr-864	109	14	having	have	VERB
ahmr-864	109	15	the	the	DET
ahmr-864	109	16	largest	large	ADJ
ahmr-864	109	17	outreach	outreach	NOUN
ahmr-864	109	18	network	network	NOUN
ahmr-864	109	19	(	(	PUNCT
ahmr-864	109	20	imf	imf	PROPN
ahmr-864	109	21	,	,	PUNCT
ahmr-864	109	22	2009	2009	NUM
ahmr-864	109	23	:	:	PUNCT
ahmr-864	109	24	9	9	NUM
ahmr-864	109	25	)	)	PUNCT
ahmr-864	109	26	,	,	PUNCT
ahmr-864	109	27	which	which	PRON
ahmr-864	109	28	encompass	encompass	VERB
ahmr-864	109	29	remote	remote	ADJ
ahmr-864	109	30	locations	location	NOUN
ahmr-864	109	31	and	and	CCONJ
ahmr-864	109	32	can	can	AUX
ahmr-864	109	33	prove	prove	VERB
ahmr-864	109	34	useful	useful	ADJ
ahmr-864	109	35	within	within	ADP
ahmr-864	109	36	developing	develop	VERB
ahmr-864	109	37	countries	country	NOUN
ahmr-864	109	38	that	that	PRON
ahmr-864	109	39	lack	lack	VERB
ahmr-864	109	40	adequate	adequate	ADJ
ahmr-864	109	41	financial	financial	ADJ
ahmr-864	109	42	infrastructure	infrastructure	NOUN
ahmr-864	109	43	.	.	PUNCT
ahmr-864	110	1	post	post	NOUN
ahmr-864	110	2	offices	office	NOUN
ahmr-864	110	3	either	either	CCONJ
ahmr-864	110	4	provide	provide	VERB
ahmr-864	110	5	their	their	PRON
ahmr-864	110	6	own	own	ADJ
ahmr-864	110	7	services	service	NOUN
ahmr-864	110	8	for	for	ADP
ahmr-864	110	9	international	international	ADJ
ahmr-864	110	10	money	money	NOUN
ahmr-864	110	11	transfers	transfer	NOUN
ahmr-864	110	12	or	or	CCONJ
ahmr-864	110	13	may	may	AUX
ahmr-864	110	14	act	act	VERB
ahmr-864	110	15	as	as	ADP
ahmr-864	110	16	agents	agent	NOUN
ahmr-864	110	17	of	of	ADP
ahmr-864	110	18	other	other	ADJ
ahmr-864	110	19	money	money	NOUN
ahmr-864	110	20	transfer	transfer	NOUN
ahmr-864	110	21	agents	agent	NOUN
ahmr-864	110	22	.	.	PUNCT
ahmr-864	111	1	they	they	PRON
ahmr-864	111	2	provide	provide	VERB
ahmr-864	111	3	remittance	remittance	NOUN
ahmr-864	111	4	products	product	NOUN
ahmr-864	111	5	in	in	ADP
ahmr-864	111	6	the	the	DET
ahmr-864	111	7	form	form	NOUN
ahmr-864	111	8	of	of	ADP
ahmr-864	111	9	ordinary	ordinary	ADJ
ahmr-864	111	10	money	money	NOUN
ahmr-864	111	11	orders	order	NOUN
ahmr-864	111	12	and	and	CCONJ
ahmr-864	111	13	telegraphic	telegraphic	ADJ
ahmr-864	111	14	money	money	NOUN
ahmr-864	111	15	orders	order	NOUN
ahmr-864	111	16	,	,	PUNCT
ahmr-864	111	17	the	the	DET
ahmr-864	111	18	latter	latter	ADJ
ahmr-864	111	19	being	be	AUX
ahmr-864	111	20	speedier	speedy	ADJ
ahmr-864	111	21	than	than	ADP
ahmr-864	111	22	ordinary	ordinary	ADJ
ahmr-864	111	23	money	money	NOUN
ahmr-864	111	24	orders	order	NOUN
ahmr-864	111	25	(	(	PUNCT
ahmr-864	111	26	genesis	genesis	NOUN
ahmr-864	111	27	analytics	analytic	NOUN
ahmr-864	111	28	,	,	PUNCT
ahmr-864	111	29	2003	2003	NUM
ahmr-864	111	30	)	)	PUNCT
ahmr-864	111	31	.	.	PUNCT
ahmr-864	112	1	the	the	DET
ahmr-864	112	2	post	post	PROPN
ahmr-864	112	3	office	office	NOUN
ahmr-864	112	4	’s	’s	PART
ahmr-864	112	5	position	position	NOUN
ahmr-864	112	6	within	within	ADP
ahmr-864	112	7	the	the	DET
ahmr-864	112	8	remittance	remittance	NOUN
ahmr-864	112	9	market	market	NOUN
ahmr-864	112	10	is	be	AUX
ahmr-864	112	11	unique	unique	ADJ
ahmr-864	112	12	in	in	ADP
ahmr-864	112	13	that	that	PRON
ahmr-864	112	14	,	,	PUNCT
ahmr-864	112	15	unlike	unlike	ADP
ahmr-864	112	16	its	its	PRON
ahmr-864	112	17	counterparts	counterpart	NOUN
ahmr-864	112	18	,	,	PUNCT
ahmr-864	112	19	it	it	PRON
ahmr-864	112	20	is	be	AUX
ahmr-864	112	21	not	not	PART
ahmr-864	112	22	subject	subject	ADJ
ahmr-864	112	23	to	to	ADP
ahmr-864	112	24	the	the	DET
ahmr-864	112	25	exchange	exchange	NOUN
ahmr-864	112	26	control	control	NOUN
ahmr-864	112	27	regulations	regulation	NOUN
ahmr-864	112	28	.	.	PUNCT
ahmr-864	113	1	this	this	DET
ahmr-864	113	2	anomaly	anomaly	NOUN
ahmr-864	113	3	is	be	AUX
ahmr-864	113	4	attributed	attribute	VERB
ahmr-864	113	5	to	to	ADP
ahmr-864	113	6	the	the	DET
ahmr-864	113	7	fact	fact	NOUN
ahmr-864	113	8	that	that	SCONJ
ahmr-864	113	9	its	its	PRON
ahmr-864	113	10	services	service	NOUN
ahmr-864	113	11	were	be	AUX
ahmr-864	113	12	initiated	initiate	VERB
ahmr-864	113	13	prior	prior	ADV
ahmr-864	113	14	to	to	ADP
ahmr-864	113	15	the	the	DET
ahmr-864	113	16	passage	passage	NOUN
ahmr-864	113	17	of	of	ADP
ahmr-864	113	18	the	the	DET
ahmr-864	113	19	exchange	exchange	NOUN
ahmr-864	113	20	control	control	NOUN
ahmr-864	113	21	laws	law	NOUN
ahmr-864	113	22	(	(	PUNCT
ahmr-864	113	23	bester	bester	NOUN
ahmr-864	113	24	et	et	NOUN
ahmr-864	113	25	al	al	PROPN
ahmr-864	113	26	.	.	PROPN
ahmr-864	113	27	,	,	PUNCT
ahmr-864	113	28	2010	2010	NUM
ahmr-864	113	29	)	)	PUNCT
ahmr-864	113	30	.	.	PUNCT
ahmr-864	114	1	it	it	PRON
ahmr-864	114	2	is	be	AUX
ahmr-864	114	3	able	able	ADJ
ahmr-864	114	4	to	to	PART
ahmr-864	114	5	offer	offer	VERB
ahmr-864	114	6	its	its	PRON
ahmr-864	114	7	services	service	NOUN
ahmr-864	114	8	at	at	ADP
ahmr-864	114	9	a	a	DET
ahmr-864	114	10	much	much	ADV
ahmr-864	114	11	cheaper	cheap	ADJ
ahmr-864	114	12	price	price	NOUN
ahmr-864	114	13	,	,	PUNCT
ahmr-864	114	14	which	which	PRON
ahmr-864	114	15	is	be	AUX
ahmr-864	114	16	partially	partially	ADV
ahmr-864	114	17	a	a	DET
ahmr-864	114	18	circumstance	circumstance	NOUN
ahmr-864	114	19	of	of	ADP
ahmr-864	114	20	the	the	DET
ahmr-864	114	21	fact	fact	NOUN
ahmr-864	114	22	that	that	SCONJ
ahmr-864	114	23	it	it	PRON
ahmr-864	114	24	faces	face	VERB
ahmr-864	114	25	no	no	DET
ahmr-864	114	26	regulatory	regulatory	ADJ
ahmr-864	114	27	compliance	compliance	NOUN
ahmr-864	114	28	costs	cost	NOUN
ahmr-864	114	29	.	.	PUNCT
ahmr-864	115	1	the	the	DET
ahmr-864	115	2	post	post	PROPN
ahmr-864	115	3	office	office	NOUN
ahmr-864	115	4	,	,	PUNCT
ahmr-864	115	5	despite	despite	SCONJ
ahmr-864	115	6	its	its	PRON
ahmr-864	115	7	unique	unique	ADJ
ahmr-864	115	8	situation	situation	NOUN
ahmr-864	115	9	,	,	PUNCT
ahmr-864	115	10	is	be	AUX
ahmr-864	115	11	not	not	PART
ahmr-864	115	12	immune	immune	ADJ
ahmr-864	115	13	from	from	ADP
ahmr-864	115	14	deficiencies	deficiency	NOUN
ahmr-864	115	15	.	.	PUNCT
ahmr-864	116	1	for	for	ADP
ahmr-864	116	2	instance	instance	NOUN
ahmr-864	116	3	,	,	PUNCT
ahmr-864	116	4	transactions	transaction	NOUN
ahmr-864	116	5	via	via	ADP
ahmr-864	116	6	the	the	DET
ahmr-864	116	7	post	post	NOUN
ahmr-864	116	8	office	office	NOUN
ahmr-864	116	9	take	take	VERB
ahmr-864	116	10	a	a	DET
ahmr-864	116	11	longer	long	ADJ
ahmr-864	116	12	time	time	NOUN
ahmr-864	116	13	period	period	NOUN
ahmr-864	116	14	and	and	CCONJ
ahmr-864	116	15	,	,	PUNCT
ahmr-864	116	16	unlike	unlike	ADP
ahmr-864	116	17	the	the	DET
ahmr-864	116	18	services	service	NOUN
ahmr-864	116	19	of	of	ADP
ahmr-864	116	20	mtos	mto	NOUN
ahmr-864	116	21	such	such	ADJ
ahmr-864	116	22	as	as	ADP
ahmr-864	116	23	money	money	NOUN
ahmr-864	116	24	gram	gram	NOUN
ahmr-864	116	25	,	,	PUNCT
ahmr-864	116	26	receipt	receipt	NOUN
ahmr-864	116	27	of	of	ADP
ahmr-864	116	28	funds	fund	NOUN
ahmr-864	116	29	is	be	AUX
ahmr-864	116	30	not	not	PART
ahmr-864	116	31	immediate	immediate	ADJ
ahmr-864	116	32	.	.	PUNCT
ahmr-864	117	1	in	in	ADP
ahmr-864	117	2	april	april	PROPN
ahmr-864	117	3	2006	2006	NUM
ahmr-864	117	4	,	,	PUNCT
ahmr-864	117	5	shoprite	shoprite	PROPN
ahmr-864	117	6	launched	launch	VERB
ahmr-864	117	7	a	a	DET
ahmr-864	117	8	money	money	NOUN
ahmr-864	117	9	transfer	transfer	NOUN
ahmr-864	117	10	service	service	NOUN
ahmr-864	117	11	at	at	ADP
ahmr-864	117	12	its	its	PRON
ahmr-864	117	13	money	money	NOUN
ahmr-864	117	14	market	market	NOUN
ahmr-864	117	15	counters	counter	NOUN
ahmr-864	117	16	.	.	PUNCT
ahmr-864	118	1	this	this	PRON
ahmr-864	118	2	transformed	transform	VERB
ahmr-864	118	3	the	the	DET
ahmr-864	118	4	domestic	domestic	ADJ
ahmr-864	118	5	remittance	remittance	NOUN
ahmr-864	118	6	market	market	NOUN
ahmr-864	118	7	and	and	CCONJ
ahmr-864	118	8	set	set	VERB
ahmr-864	118	9	the	the	DET
ahmr-864	118	10	scene	scene	NOUN
ahmr-864	118	11	for	for	ADP
ahmr-864	118	12	innovation	innovation	NOUN
ahmr-864	118	13	in	in	ADP
ahmr-864	118	14	the	the	DET
ahmr-864	118	15	sector	sector	NOUN
ahmr-864	118	16	.	.	PUNCT
ahmr-864	119	1	on	on	ADP
ahmr-864	119	2	the	the	DET
ahmr-864	119	3	retail	retail	ADJ
ahmr-864	119	4	side	side	NOUN
ahmr-864	119	5	,	,	PUNCT
ahmr-864	119	6	the	the	DET
ahmr-864	119	7	post	post	NOUN
ahmr-864	119	8	office	office	NOUN
ahmr-864	119	9	(	(	PUNCT
ahmr-864	119	10	post	post	PROPN
ahmr-864	119	11	bank	bank	PROPN
ahmr-864	119	12	)	)	PUNCT
ahmr-864	119	13	,	,	PUNCT
ahmr-864	119	14	shoprite	shoprite	ADJ
ahmr-864	119	15	money	money	NOUN
ahmr-864	119	16	market	market	NOUN
ahmr-864	119	17	,	,	PUNCT
ahmr-864	119	18	spar	spar	NOUN
ahmr-864	119	19	instant	instant	ADJ
ahmr-864	119	20	money	money	NOUN
ahmr-864	119	21	pep	pep	NOUN
ahmr-864	119	22	(	(	PUNCT
ahmr-864	119	23	various	various	ADJ
ahmr-864	119	24	partnerships	partnership	NOUN
ahmr-864	119	25	)	)	PUNCT
ahmr-864	119	26	and	and	CCONJ
ahmr-864	119	27	pick	pick	VERB
ahmr-864	119	28	‘	'	PUNCT
ahmr-864	119	29	n	n	CCONJ
ahmr-864	119	30	pay	pay	VERB
ahmr-864	119	31	money	money	NOUN
ahmr-864	119	32	transfer	transfer	NOUN
ahmr-864	119	33	and	and	CCONJ
ahmr-864	119	34	mobile	mobile	ADJ
ahmr-864	119	35	money	money	NOUN
ahmr-864	119	36	partnership	partnership	NOUN
ahmr-864	119	37	are	be	AUX
ahmr-864	119	38	amongst	amongst	ADP
ahmr-864	119	39	the	the	DET
ahmr-864	119	40	most	most	ADV
ahmr-864	119	41	-	-	PUNCT
ahmr-864	119	42	used	use	VERB
ahmr-864	119	43	remittance	remittance	NOUN
ahmr-864	119	44	channels	channel	NOUN
ahmr-864	119	45	.	.	PUNCT
ahmr-864	120	1	all	all	DET
ahmr-864	120	2	four	four	NUM
ahmr-864	120	3	big	big	ADJ
ahmr-864	120	4	banks	bank	NOUN
ahmr-864	120	5	have	have	VERB
ahmr-864	120	6	domestic	domestic	ADJ
ahmr-864	120	7	remittance	remittance	NOUN
ahmr-864	120	8	products	product	NOUN
ahmr-864	120	9	as	as	ADV
ahmr-864	120	10	well	well	ADV
ahmr-864	120	11	,	,	PUNCT
ahmr-864	120	12	such	such	ADJ
ahmr-864	120	13	as	as	ADP
ahmr-864	120	14	absa	absa	PROPN
ahmr-864	120	15	cashsend	cashsend	NOUN
ahmr-864	120	16	,	,	PUNCT
ahmr-864	120	17	fnb	fnb	PROPN
ahmr-864	120	18	ewallet	ewallet	NOUN
ahmr-864	120	19	,	,	PUNCT
ahmr-864	120	20	standard	standard	ADJ
ahmr-864	120	21	bank	bank	NOUN
ahmr-864	120	22	instant	instant	ADJ
ahmr-864	120	23	money	money	NOUN
ahmr-864	120	24	and	and	CCONJ
ahmr-864	120	25	nedbank	nedbank	PROPN
ahmr-864	120	26	send	send	PROPN
ahmr-864	120	27	-	-	PUNCT
ahmr-864	120	28	imali	imali	PROPN
ahmr-864	120	29	.	.	PUNCT
ahmr-864	121	1	digital	digital	ADJ
ahmr-864	121	2	or	or	CCONJ
ahmr-864	121	3	mobile	mobile	ADJ
ahmr-864	121	4	money	money	NOUN
ahmr-864	121	5	products	product	NOUN
ahmr-864	121	6	include	include	VERB
ahmr-864	121	7	vodacom	vodacom	PROPN
ahmr-864	121	8	m	m	PROPN
ahmr-864	121	9	-	-	PROPN
ahmr-864	121	10	pesa	pesa	PROPN
ahmr-864	121	11	,	,	PUNCT
ahmr-864	121	12	mtn	mtn	PROPN
ahmr-864	121	13	mobile	mobile	ADJ
ahmr-864	121	14	money	money	NOUN
ahmr-864	121	15	,	,	PUNCT
ahmr-864	121	16	wechat	wechat	NOUN
ahmr-864	121	17	wallet	wallet	NOUN
ahmr-864	121	18	,	,	PUNCT
ahmr-864	121	19	mobicash	mobicash	NOUN
ahmr-864	121	20	and	and	CCONJ
ahmr-864	121	21	even	even	ADV
ahmr-864	121	22	facebook	facebook	NOUN
ahmr-864	121	23	messenger	messenger	NOUN
ahmr-864	121	24	.	.	PUNCT
ahmr-864	122	1	interestingly	interestingly	ADV
ahmr-864	122	2	enough	enough	ADV
ahmr-864	122	3	,	,	PUNCT
ahmr-864	122	4	the	the	DET
ahmr-864	122	5	technoserve	technoserve	NOUN
ahmr-864	122	6	report	report	NOUN
ahmr-864	122	7	(	(	PUNCT
ahmr-864	122	8	2016	2016	NUM
ahmr-864	122	9	)	)	PUNCT
ahmr-864	122	10	indicates	indicate	VERB
ahmr-864	122	11	that	that	SCONJ
ahmr-864	122	12	approximately	approximately	ADV
ahmr-864	122	13	50	50	NUM
ahmr-864	122	14	percent	percent	NOUN
ahmr-864	122	15	of	of	ADP
ahmr-864	122	16	all	all	DET
ahmr-864	122	17	domestic	domestic	ADJ
ahmr-864	122	18	remittance	remittance	NOUN
ahmr-864	122	19	transfers	transfer	NOUN
ahmr-864	122	20	are	be	AUX
ahmr-864	122	21	initiated	initiate	VERB
ahmr-864	122	22	through	through	ADP
ahmr-864	122	23	bank	bank	NOUN
ahmr-864	122	24	services	service	NOUN
ahmr-864	122	25	,	,	PUNCT
ahmr-864	122	26	while	while	SCONJ
ahmr-864	122	27	at	at	ADV
ahmr-864	122	28	least	least	ADV
ahmr-864	122	29	25	25	NUM
ahmr-864	122	30	percent	percent	NOUN
ahmr-864	122	31	of	of	ADP
ahmr-864	122	32	transfers	transfer	NOUN
ahmr-864	122	33	are	be	AUX
ahmr-864	122	34	still	still	ADV
ahmr-864	122	35	cash	cash	NOUN
ahmr-864	122	36	-	-	PUNCT
ahmr-864	122	37	based	base	VERB
ahmr-864	122	38	.	.	PUNCT
ahmr-864	123	1	informal	informal	ADJ
ahmr-864	123	2	remittance	remittance	NOUN
ahmr-864	123	3	channels	channel	VERB
ahmr-864	123	4	the	the	DET
ahmr-864	123	5	imf	imf	PROPN
ahmr-864	123	6	(	(	PUNCT
ahmr-864	123	7	2005	2005	NUM
ahmr-864	123	8	:	:	PUNCT
ahmr-864	123	9	10	10	NUM
ahmr-864	123	10	)	)	PUNCT
ahmr-864	123	11	defines	define	VERB
ahmr-864	123	12	an	an	DET
ahmr-864	123	13	informal	informal	ADJ
ahmr-864	123	14	rsp	rsp	NOUN
ahmr-864	123	15	as	as	ADP
ahmr-864	123	16	,	,	PUNCT
ahmr-864	123	17	“	"	PUNCT
ahmr-864	123	18	a	a	DET
ahmr-864	123	19	provider	provider	NOUN
ahmr-864	123	20	functioning	functioning	NOUN
ahmr-864	123	21	without	without	ADP
ahmr-864	123	22	regulation	regulation	NOUN
ahmr-864	123	23	or	or	CCONJ
ahmr-864	123	24	oversight	oversight	NOUN
ahmr-864	123	25	of	of	ADP
ahmr-864	123	26	financial	financial	ADJ
ahmr-864	123	27	supervisors	supervisor	NOUN
ahmr-864	123	28	for	for	ADP
ahmr-864	123	29	its	its	PRON
ahmr-864	123	30	remittance	remittance	NOUN
ahmr-864	123	31	services	service	NOUN
ahmr-864	123	32	”	"	PUNCT
ahmr-864	123	33	.	.	PUNCT
ahmr-864	124	1	taking	take	VERB
ahmr-864	124	2	into	into	ADP
ahmr-864	124	3	account	account	NOUN
ahmr-864	124	4	this	this	DET
ahmr-864	124	5	definition	definition	NOUN
ahmr-864	124	6	,	,	PUNCT
ahmr-864	124	7	informal	informal	ADJ
ahmr-864	124	8	remittance	remittance	NOUN
ahmr-864	124	9	channels	channel	NOUN
ahmr-864	124	10	can	can	AUX
ahmr-864	124	11	be	be	AUX
ahmr-864	124	12	described	describe	VERB
ahmr-864	124	13	as	as	ADP
ahmr-864	124	14	those	those	PRON
ahmr-864	124	15	towards	towards	ADP
ahmr-864	124	16	a	a	DET
ahmr-864	124	17	legal	legal	ADJ
ahmr-864	124	18	and	and	CCONJ
ahmr-864	124	19	regulatory	regulatory	ADJ
ahmr-864	124	20	framework	framework	NOUN
ahmr-864	124	21	for	for	ADP
ahmr-864	124	22	south	south	ADJ
ahmr-864	124	23	african	african	ADJ
ahmr-864	124	24	domestic	domestic	ADJ
ahmr-864	124	25	remittances	remittance	NOUN
ahmr-864	124	26	56	56	NUM
ahmr-864	124	27	ahmr	ahmr	NOUN
ahmr-864	124	28	african	african	PROPN
ahmr-864	124	29	human	human	PROPN
ahmr-864	124	30	mobilty	mobilty	PROPN
ahmr-864	124	31	review	review	NOUN
ahmr-864	124	32	volume	volume	NOUN
ahmr-864	124	33	7	7	NUM
ahmr-864	124	34	no	no	DET
ahmr-864	124	35	1	1	NUM
ahmr-864	124	36	,	,	PUNCT
ahmr-864	124	37	jan	jan	NOUN
ahmr-864	124	38	-	-	PUNCT
ahmr-864	124	39	apr	apr	NOUN
ahmr-864	124	40	2021	2021	NUM
ahmr-864	124	41	that	that	PRON
ahmr-864	124	42	are	be	AUX
ahmr-864	124	43	operated	operate	VERB
ahmr-864	124	44	outside	outside	ADP
ahmr-864	124	45	the	the	DET
ahmr-864	124	46	legal	legal	ADJ
ahmr-864	124	47	and	and	CCONJ
ahmr-864	124	48	regulatory	regulatory	ADJ
ahmr-864	124	49	framework	framework	NOUN
ahmr-864	124	50	.	.	PUNCT
ahmr-864	125	1	such	such	ADJ
ahmr-864	125	2	remittance	remittance	NOUN
ahmr-864	125	3	channels	channel	NOUN
ahmr-864	125	4	are	be	AUX
ahmr-864	125	5	often	often	ADV
ahmr-864	125	6	,	,	PUNCT
ahmr-864	125	7	but	but	CCONJ
ahmr-864	125	8	not	not	PART
ahmr-864	125	9	necessarily	necessarily	ADV
ahmr-864	125	10	,	,	PUNCT
ahmr-864	125	11	illegal	illegal	ADJ
ahmr-864	125	12	(	(	PUNCT
ahmr-864	125	13	imf	imf	PROPN
ahmr-864	125	14	,	,	PUNCT
ahmr-864	125	15	2009	2009	NUM
ahmr-864	125	16	:	:	PUNCT
ahmr-864	125	17	7	7	NUM
ahmr-864	125	18	)	)	PUNCT
ahmr-864	125	19	.	.	PUNCT
ahmr-864	126	1	informal	informal	ADJ
ahmr-864	126	2	transfers	transfer	NOUN
ahmr-864	126	3	are	be	AUX
ahmr-864	126	4	based	base	VERB
ahmr-864	126	5	on	on	ADP
ahmr-864	126	6	informal	informal	ADJ
ahmr-864	126	7	relationships	relationship	NOUN
ahmr-864	126	8	and	and	CCONJ
ahmr-864	126	9	involve	involve	VERB
ahmr-864	126	10	a	a	DET
ahmr-864	126	11	high	high	ADJ
ahmr-864	126	12	level	level	NOUN
ahmr-864	126	13	of	of	ADP
ahmr-864	126	14	trust	trust	NOUN
ahmr-864	126	15	between	between	ADP
ahmr-864	126	16	the	the	DET
ahmr-864	126	17	sender	sender	NOUN
ahmr-864	126	18	and	and	CCONJ
ahmr-864	126	19	the	the	DET
ahmr-864	126	20	rsp	rsp	PROPN
ahmr-864	126	21	.	.	PUNCT
ahmr-864	127	1	these	these	DET
ahmr-864	127	2	channels	channel	NOUN
ahmr-864	127	3	entail	entail	VERB
ahmr-864	127	4	a	a	DET
ahmr-864	127	5	high	high	ADJ
ahmr-864	127	6	level	level	NOUN
ahmr-864	127	7	of	of	ADP
ahmr-864	127	8	risk	risk	NOUN
ahmr-864	127	9	,	,	PUNCT
ahmr-864	127	10	on	on	ADP
ahmr-864	127	11	the	the	DET
ahmr-864	127	12	part	part	NOUN
ahmr-864	127	13	of	of	ADP
ahmr-864	127	14	the	the	DET
ahmr-864	127	15	sender	sender	NOUN
ahmr-864	127	16	,	,	PUNCT
ahmr-864	127	17	as	as	SCONJ
ahmr-864	127	18	there	there	PRON
ahmr-864	127	19	is	be	VERB
ahmr-864	127	20	no	no	DET
ahmr-864	127	21	guarantee	guarantee	NOUN
ahmr-864	127	22	of	of	ADP
ahmr-864	127	23	delivery	delivery	NOUN
ahmr-864	127	24	and	and	CCONJ
ahmr-864	127	25	the	the	DET
ahmr-864	127	26	sender	sender	NOUN
ahmr-864	127	27	has	have	VERB
ahmr-864	127	28	no	no	DET
ahmr-864	127	29	legal	legal	ADJ
ahmr-864	127	30	recourse	recourse	NOUN
ahmr-864	127	31	should	should	AUX
ahmr-864	127	32	the	the	DET
ahmr-864	127	33	rsp	rsp	PROPN
ahmr-864	127	34	fail	fail	VERB
ahmr-864	127	35	to	to	PART
ahmr-864	127	36	deliver	deliver	VERB
ahmr-864	127	37	.	.	PUNCT
ahmr-864	128	1	in	in	ADP
ahmr-864	128	2	the	the	DET
ahmr-864	128	3	south	south	ADJ
ahmr-864	128	4	african	african	ADJ
ahmr-864	128	5	remittance	remittance	NOUN
ahmr-864	128	6	market	market	NOUN
ahmr-864	128	7	,	,	PUNCT
ahmr-864	128	8	common	common	ADJ
ahmr-864	128	9	providers	provider	NOUN
ahmr-864	128	10	of	of	ADP
ahmr-864	128	11	informal	informal	ADJ
ahmr-864	128	12	remittance	remittance	NOUN
ahmr-864	128	13	services	service	NOUN
ahmr-864	128	14	are	be	AUX
ahmr-864	128	15	long	long	ADJ
ahmr-864	128	16	distance	distance	NOUN
ahmr-864	128	17	taxi	taxi	NOUN
ahmr-864	128	18	drivers	driver	NOUN
ahmr-864	128	19	and	and	CCONJ
ahmr-864	128	20	friends	friend	NOUN
ahmr-864	128	21	(	(	PUNCT
ahmr-864	128	22	genesis	genesis	PROPN
ahmr-864	128	23	analytics	analytic	NOUN
ahmr-864	128	24	,	,	PUNCT
ahmr-864	128	25	2003	2003	NUM
ahmr-864	128	26	)	)	PUNCT
ahmr-864	128	27	.	.	PUNCT
ahmr-864	129	1	when	when	SCONJ
ahmr-864	129	2	sending	send	VERB
ahmr-864	129	3	funds	fund	NOUN
ahmr-864	129	4	via	via	ADP
ahmr-864	129	5	taxi	taxi	NOUN
ahmr-864	129	6	drivers	driver	NOUN
ahmr-864	129	7	,	,	PUNCT
ahmr-864	129	8	the	the	DET
ahmr-864	129	9	procedure	procedure	NOUN
ahmr-864	129	10	appears	appear	VERB
ahmr-864	129	11	to	to	PART
ahmr-864	129	12	vary	vary	VERB
ahmr-864	129	13	dependent	dependent	ADJ
ahmr-864	129	14	on	on	ADP
ahmr-864	129	15	whether	whether	SCONJ
ahmr-864	129	16	the	the	DET
ahmr-864	129	17	remitter	remitter	NOUN
ahmr-864	129	18	is	be	AUX
ahmr-864	129	19	a	a	DET
ahmr-864	129	20	friend	friend	NOUN
ahmr-864	129	21	or	or	CCONJ
ahmr-864	129	22	stranger	strange	ADJ
ahmr-864	129	23	to	to	ADP
ahmr-864	129	24	the	the	DET
ahmr-864	129	25	taxi	taxi	NOUN
ahmr-864	129	26	driver	driver	NOUN
ahmr-864	129	27	(	(	PUNCT
ahmr-864	129	28	genesis	genesis	PROPN
ahmr-864	129	29	analytics	analytic	NOUN
ahmr-864	129	30	,	,	PUNCT
ahmr-864	129	31	2005	2005	NUM
ahmr-864	129	32	)	)	PUNCT
ahmr-864	129	33	.	.	PUNCT
ahmr-864	130	1	if	if	SCONJ
ahmr-864	130	2	the	the	DET
ahmr-864	130	3	remitter	remitter	NOUN
ahmr-864	130	4	is	be	AUX
ahmr-864	130	5	familiar	familiar	ADJ
ahmr-864	130	6	with	with	ADP
ahmr-864	130	7	the	the	DET
ahmr-864	130	8	driver	driver	NOUN
ahmr-864	130	9	,	,	PUNCT
ahmr-864	130	10	transaction	transaction	NOUN
ahmr-864	130	11	costs	cost	NOUN
ahmr-864	130	12	are	be	AUX
ahmr-864	130	13	lower	low	ADJ
ahmr-864	130	14	or	or	CCONJ
ahmr-864	130	15	even	even	ADV
ahmr-864	130	16	foregone	foregone	NOUN
ahmr-864	130	17	.	.	PUNCT
ahmr-864	131	1	no	no	DET
ahmr-864	131	2	record	record	NOUN
ahmr-864	131	3	of	of	ADP
ahmr-864	131	4	the	the	DET
ahmr-864	131	5	transaction	transaction	NOUN
ahmr-864	131	6	is	be	AUX
ahmr-864	131	7	maintained	maintain	VERB
ahmr-864	131	8	,	,	PUNCT
ahmr-864	131	9	making	make	VERB
ahmr-864	131	10	trust	trust	NOUN
ahmr-864	131	11	an	an	DET
ahmr-864	131	12	essential	essential	ADJ
ahmr-864	131	13	component	component	NOUN
ahmr-864	131	14	.	.	PUNCT
ahmr-864	132	1	unlike	unlike	ADP
ahmr-864	132	2	with	with	ADP
ahmr-864	132	3	a	a	DET
ahmr-864	132	4	familiar	familiar	ADJ
ahmr-864	132	5	remitter	remitter	NOUN
ahmr-864	132	6	,	,	PUNCT
ahmr-864	132	7	if	if	SCONJ
ahmr-864	132	8	the	the	DET
ahmr-864	132	9	remitter	remitter	NOUN
ahmr-864	132	10	is	be	AUX
ahmr-864	132	11	a	a	DET
ahmr-864	132	12	stranger	stranger	NOUN
ahmr-864	132	13	,	,	PUNCT
ahmr-864	132	14	the	the	DET
ahmr-864	132	15	procedure	procedure	NOUN
ahmr-864	132	16	is	be	AUX
ahmr-864	132	17	more	more	ADV
ahmr-864	132	18	formalized	formalize	VERB
ahmr-864	132	19	.	.	PUNCT
ahmr-864	133	1	the	the	DET
ahmr-864	133	2	sender	sender	NOUN
ahmr-864	133	3	approaches	approach	VERB
ahmr-864	133	4	a	a	DET
ahmr-864	133	5	taxi	taxi	NOUN
ahmr-864	133	6	association	association	NOUN
ahmr-864	133	7	office	office	NOUN
ahmr-864	133	8	and	and	CCONJ
ahmr-864	133	9	together	together	ADV
ahmr-864	133	10	with	with	ADP
ahmr-864	133	11	the	the	DET
ahmr-864	133	12	driver	driver	NOUN
ahmr-864	133	13	,	,	PUNCT
ahmr-864	133	14	who	who	PRON
ahmr-864	133	15	will	will	AUX
ahmr-864	133	16	be	be	AUX
ahmr-864	133	17	entrusted	entrust	VERB
ahmr-864	133	18	with	with	ADP
ahmr-864	133	19	the	the	DET
ahmr-864	133	20	funds	fund	NOUN
ahmr-864	133	21	,	,	PUNCT
ahmr-864	133	22	counts	count	VERB
ahmr-864	133	23	the	the	DET
ahmr-864	133	24	amount	amount	NOUN
ahmr-864	133	25	to	to	PART
ahmr-864	133	26	be	be	AUX
ahmr-864	133	27	sent	send	VERB
ahmr-864	133	28	.	.	PUNCT
ahmr-864	134	1	the	the	DET
ahmr-864	134	2	value	value	NOUN
ahmr-864	134	3	of	of	ADP
ahmr-864	134	4	the	the	DET
ahmr-864	134	5	amount	amount	NOUN
ahmr-864	134	6	entrusted	entrust	VERB
ahmr-864	134	7	to	to	ADP
ahmr-864	134	8	the	the	DET
ahmr-864	134	9	driver	driver	NOUN
ahmr-864	134	10	is	be	AUX
ahmr-864	134	11	recorded	record	VERB
ahmr-864	134	12	in	in	ADP
ahmr-864	134	13	a	a	DET
ahmr-864	134	14	book	book	NOUN
ahmr-864	134	15	kept	keep	VERB
ahmr-864	134	16	at	at	ADP
ahmr-864	134	17	the	the	DET
ahmr-864	134	18	office	office	NOUN
ahmr-864	134	19	specifically	specifically	ADV
ahmr-864	134	20	for	for	ADP
ahmr-864	134	21	such	such	ADJ
ahmr-864	134	22	purposes	purpose	NOUN
ahmr-864	134	23	.	.	PUNCT
ahmr-864	135	1	the	the	DET
ahmr-864	135	2	recipient	recipient	NOUN
ahmr-864	135	3	collects	collect	VERB
ahmr-864	135	4	the	the	DET
ahmr-864	135	5	funds	fund	NOUN
ahmr-864	135	6	from	from	ADP
ahmr-864	135	7	the	the	DET
ahmr-864	135	8	taxi	taxi	PROPN
ahmr-864	135	9	association	association	PROPN
ahmr-864	135	10	office	office	NOUN
ahmr-864	135	11	in	in	ADP
ahmr-864	135	12	the	the	DET
ahmr-864	135	13	destination	destination	NOUN
ahmr-864	135	14	city	city	NOUN
ahmr-864	135	15	or	or	CCONJ
ahmr-864	135	16	country	country	NOUN
ahmr-864	135	17	and	and	CCONJ
ahmr-864	135	18	is	be	AUX
ahmr-864	135	19	required	require	VERB
ahmr-864	135	20	to	to	PART
ahmr-864	135	21	know	know	VERB
ahmr-864	135	22	the	the	DET
ahmr-864	135	23	number	number	NOUN
ahmr-864	135	24	-	-	PUNCT
ahmr-864	135	25	plate	plate	NOUN
ahmr-864	135	26	of	of	ADP
ahmr-864	135	27	the	the	DET
ahmr-864	135	28	taxi	taxi	NOUN
ahmr-864	135	29	as	as	ADV
ahmr-864	135	30	well	well	ADV
ahmr-864	135	31	as	as	ADP
ahmr-864	135	32	the	the	DET
ahmr-864	135	33	name	name	NOUN
ahmr-864	135	34	of	of	ADP
ahmr-864	135	35	the	the	DET
ahmr-864	135	36	driver	driver	NOUN
ahmr-864	135	37	who	who	PRON
ahmr-864	135	38	delivered	deliver	VERB
ahmr-864	135	39	the	the	DET
ahmr-864	135	40	money	money	NOUN
ahmr-864	135	41	.	.	PUNCT
ahmr-864	136	1	senders	sender	NOUN
ahmr-864	136	2	are	be	AUX
ahmr-864	136	3	often	often	ADV
ahmr-864	136	4	not	not	PART
ahmr-864	136	5	insured	insure	VERB
ahmr-864	136	6	against	against	ADP
ahmr-864	136	7	losses	loss	NOUN
ahmr-864	136	8	incurred	incur	VERB
ahmr-864	136	9	due	due	ADP
ahmr-864	136	10	to	to	ADP
ahmr-864	136	11	theft	theft	NOUN
ahmr-864	136	12	or	or	CCONJ
ahmr-864	136	13	accidents	accident	NOUN
ahmr-864	136	14	.	.	PUNCT
ahmr-864	137	1	taxi	taxi	NOUN
ahmr-864	137	2	drivers	driver	NOUN
ahmr-864	137	3	,	,	PUNCT
ahmr-864	137	4	on	on	ADP
ahmr-864	137	5	the	the	DET
ahmr-864	137	6	other	other	ADJ
ahmr-864	137	7	hand	hand	NOUN
ahmr-864	137	8	,	,	PUNCT
ahmr-864	137	9	are	be	AUX
ahmr-864	137	10	at	at	ADP
ahmr-864	137	11	times	time	NOUN
ahmr-864	137	12	insured	insure	VERB
ahmr-864	137	13	against	against	ADP
ahmr-864	137	14	such	such	ADJ
ahmr-864	137	15	losses	loss	NOUN
ahmr-864	137	16	,	,	PUNCT
ahmr-864	137	17	more	more	ADV
ahmr-864	137	18	specifically	specifically	ADV
ahmr-864	137	19	in	in	ADP
ahmr-864	137	20	cases	case	NOUN
ahmr-864	137	21	where	where	SCONJ
ahmr-864	137	22	transactions	transaction	NOUN
ahmr-864	137	23	have	have	AUX
ahmr-864	137	24	been	be	AUX
ahmr-864	137	25	recorded	record	VERB
ahmr-864	137	26	in	in	ADP
ahmr-864	137	27	books	book	NOUN
ahmr-864	137	28	at	at	ADP
ahmr-864	137	29	the	the	DET
ahmr-864	137	30	taxi	taxi	PROPN
ahmr-864	137	31	association	association	PROPN
ahmr-864	137	32	office	office	NOUN
ahmr-864	137	33	(	(	PUNCT
ahmr-864	137	34	genesis	genesis	PROPN
ahmr-864	137	35	analytics	analytic	NOUN
ahmr-864	137	36	,	,	PUNCT
ahmr-864	137	37	2005	2005	NUM
ahmr-864	137	38	)	)	PUNCT
ahmr-864	137	39	.	.	PUNCT
ahmr-864	138	1	remittances	remittance	NOUN
ahmr-864	138	2	via	via	ADP
ahmr-864	138	3	friends	friend	NOUN
ahmr-864	138	4	or	or	CCONJ
ahmr-864	138	5	family	family	NOUN
ahmr-864	138	6	are	be	AUX
ahmr-864	138	7	similar	similar	ADJ
ahmr-864	138	8	to	to	ADP
ahmr-864	138	9	those	those	PRON
ahmr-864	138	10	channeled	channel	VERB
ahmr-864	138	11	via	via	ADP
ahmr-864	138	12	taxi	taxi	NOUN
ahmr-864	138	13	drivers	driver	NOUN
ahmr-864	138	14	and	and	CCONJ
ahmr-864	138	15	are	be	AUX
ahmr-864	138	16	also	also	ADV
ahmr-864	138	17	highly	highly	ADV
ahmr-864	138	18	trust	trust	NOUN
ahmr-864	138	19	-	-	PUNCT
ahmr-864	138	20	based	base	VERB
ahmr-864	138	21	.	.	PUNCT
ahmr-864	139	1	remittances	remittance	NOUN
ahmr-864	139	2	via	via	ADP
ahmr-864	139	3	these	these	DET
ahmr-864	139	4	people	people	NOUN
ahmr-864	139	5	are	be	AUX
ahmr-864	139	6	favorable	favorable	ADJ
ahmr-864	139	7	as	as	SCONJ
ahmr-864	139	8	they	they	PRON
ahmr-864	139	9	allow	allow	VERB
ahmr-864	139	10	for	for	SCONJ
ahmr-864	139	11	funds	fund	NOUN
ahmr-864	139	12	to	to	PART
ahmr-864	139	13	be	be	AUX
ahmr-864	139	14	sent	send	VERB
ahmr-864	139	15	to	to	ADP
ahmr-864	139	16	recipients	recipient	NOUN
ahmr-864	139	17	located	locate	VERB
ahmr-864	139	18	in	in	ADP
ahmr-864	139	19	remote	remote	ADJ
ahmr-864	139	20	areas	area	NOUN
ahmr-864	139	21	where	where	SCONJ
ahmr-864	139	22	infrastructural	infrastructural	ADJ
ahmr-864	139	23	facilities	facility	NOUN
ahmr-864	139	24	may	may	AUX
ahmr-864	139	25	be	be	AUX
ahmr-864	139	26	inadequate	inadequate	ADJ
ahmr-864	139	27	or	or	CCONJ
ahmr-864	139	28	non	non	ADJ
ahmr-864	139	29	-	-	ADJ
ahmr-864	139	30	existent	existent	ADJ
ahmr-864	139	31	.	.	PUNCT
ahmr-864	140	1	furthermore	furthermore	ADV
ahmr-864	140	2	,	,	PUNCT
ahmr-864	140	3	transaction	transaction	NOUN
ahmr-864	140	4	costs	cost	NOUN
ahmr-864	140	5	are	be	AUX
ahmr-864	140	6	low	low	ADJ
ahmr-864	140	7	or	or	CCONJ
ahmr-864	140	8	may	may	AUX
ahmr-864	140	9	be	be	AUX
ahmr-864	140	10	foregone	foregone	ADJ
ahmr-864	140	11	where	where	SCONJ
ahmr-864	140	12	the	the	DET
ahmr-864	140	13	relationship	relationship	NOUN
ahmr-864	140	14	between	between	ADP
ahmr-864	140	15	the	the	DET
ahmr-864	140	16	sender	sender	NOUN
ahmr-864	140	17	and	and	CCONJ
ahmr-864	140	18	person	person	NOUN
ahmr-864	140	19	entrusted	entrust	VERB
ahmr-864	140	20	with	with	ADP
ahmr-864	140	21	the	the	DET
ahmr-864	140	22	funds	fund	NOUN
ahmr-864	140	23	is	be	AUX
ahmr-864	140	24	close	close	ADJ
ahmr-864	140	25	(	(	PUNCT
ahmr-864	140	26	genesis	genesis	NOUN
ahmr-864	140	27	analytics	analytic	NOUN
ahmr-864	140	28	,	,	PUNCT
ahmr-864	140	29	2005	2005	NUM
ahmr-864	140	30	)	)	PUNCT
ahmr-864	140	31	.	.	PUNCT
ahmr-864	141	1	it	it	PRON
ahmr-864	141	2	is	be	AUX
ahmr-864	141	3	submitted	submit	VERB
ahmr-864	141	4	that	that	PRON
ahmr-864	141	5	from	from	ADP
ahmr-864	141	6	a	a	DET
ahmr-864	141	7	risk	risk	NOUN
ahmr-864	141	8	perspective	perspective	NOUN
ahmr-864	141	9	,	,	PUNCT
ahmr-864	141	10	on	on	ADP
ahmr-864	141	11	the	the	DET
ahmr-864	141	12	part	part	NOUN
ahmr-864	141	13	of	of	ADP
ahmr-864	141	14	the	the	DET
ahmr-864	141	15	consumer	consumer	NOUN
ahmr-864	141	16	,	,	PUNCT
ahmr-864	141	17	formal	formal	ADJ
ahmr-864	141	18	channels	channel	NOUN
ahmr-864	141	19	are	be	AUX
ahmr-864	141	20	a	a	DET
ahmr-864	141	21	safer	safe	ADJ
ahmr-864	141	22	remittance	remittance	NOUN
ahmr-864	141	23	channel	channel	NOUN
ahmr-864	141	24	in	in	ADP
ahmr-864	141	25	terms	term	NOUN
ahmr-864	141	26	of	of	ADP
ahmr-864	141	27	guaranteeing	guarantee	VERB
ahmr-864	141	28	the	the	DET
ahmr-864	141	29	delivery	delivery	NOUN
ahmr-864	141	30	of	of	ADP
ahmr-864	141	31	funds	fund	NOUN
ahmr-864	141	32	to	to	ADP
ahmr-864	141	33	the	the	DET
ahmr-864	141	34	recipient	recipient	NOUN
ahmr-864	141	35	.	.	PUNCT
ahmr-864	142	1	despite	despite	SCONJ
ahmr-864	142	2	this	this	PRON
ahmr-864	142	3	,	,	PUNCT
ahmr-864	142	4	informal	informal	ADJ
ahmr-864	142	5	channels	channel	NOUN
ahmr-864	142	6	,	,	PUNCT
ahmr-864	142	7	which	which	PRON
ahmr-864	142	8	commonly	commonly	ADV
ahmr-864	142	9	do	do	AUX
ahmr-864	142	10	not	not	PART
ahmr-864	142	11	offer	offer	VERB
ahmr-864	142	12	a	a	DET
ahmr-864	142	13	consumer	consumer	NOUN
ahmr-864	142	14	any	any	DET
ahmr-864	142	15	form	form	NOUN
ahmr-864	142	16	of	of	ADP
ahmr-864	142	17	recourse	recourse	NOUN
ahmr-864	142	18	in	in	ADP
ahmr-864	142	19	the	the	DET
ahmr-864	142	20	event	event	NOUN
ahmr-864	142	21	of	of	ADP
ahmr-864	142	22	non	non	ADJ
ahmr-864	142	23	-	-	NOUN
ahmr-864	142	24	delivery	delivery	NOUN
ahmr-864	142	25	,	,	PUNCT
ahmr-864	142	26	are	be	AUX
ahmr-864	142	27	sometimes	sometimes	ADV
ahmr-864	142	28	the	the	DET
ahmr-864	142	29	preferred	preferred	ADJ
ahmr-864	142	30	means	mean	NOUN
ahmr-864	142	31	of	of	ADP
ahmr-864	142	32	sending	send	VERB
ahmr-864	142	33	remittances	remittance	NOUN
ahmr-864	142	34	.	.	PUNCT
ahmr-864	143	1	in	in	ADP
ahmr-864	143	2	this	this	DET
ahmr-864	143	3	regard	regard	NOUN
ahmr-864	143	4	,	,	PUNCT
ahmr-864	143	5	one	one	PRON
ahmr-864	143	6	also	also	ADV
ahmr-864	143	7	has	have	VERB
ahmr-864	143	8	to	to	PART
ahmr-864	143	9	be	be	AUX
ahmr-864	143	10	mindful	mindful	ADJ
ahmr-864	143	11	of	of	ADP
ahmr-864	143	12	the	the	DET
ahmr-864	143	13	challenges	challenge	NOUN
ahmr-864	143	14	that	that	PRON
ahmr-864	143	15	the	the	DET
ahmr-864	143	16	remittance	remittance	NOUN
ahmr-864	143	17	payment	payment	NOUN
ahmr-864	143	18	system	system	NOUN
ahmr-864	143	19	encounters	encounter	VERB
ahmr-864	143	20	as	as	SCONJ
ahmr-864	143	21	it	it	PRON
ahmr-864	143	22	operates	operate	VERB
ahmr-864	143	23	within	within	ADP
ahmr-864	143	24	the	the	DET
ahmr-864	143	25	national	national	ADJ
ahmr-864	143	26	payment	payment	NOUN
ahmr-864	143	27	system	system	NOUN
ahmr-864	143	28	(	(	PUNCT
ahmr-864	143	29	nps	nps	PROPN
ahmr-864	143	30	)	)	PUNCT
ahmr-864	143	31	.	.	PUNCT
ahmr-864	144	1	in	in	ADP
ahmr-864	144	2	addition	addition	NOUN
ahmr-864	144	3	,	,	PUNCT
ahmr-864	144	4	when	when	SCONJ
ahmr-864	144	5	formal	formal	ADJ
ahmr-864	144	6	channels	channel	NOUN
ahmr-864	144	7	are	be	AUX
ahmr-864	144	8	used	use	VERB
ahmr-864	144	9	,	,	PUNCT
ahmr-864	144	10	a	a	DET
ahmr-864	144	11	key	key	ADJ
ahmr-864	144	12	consideration	consideration	NOUN
ahmr-864	144	13	should	should	AUX
ahmr-864	144	14	be	be	AUX
ahmr-864	144	15	how	how	SCONJ
ahmr-864	144	16	financial	financial	ADJ
ahmr-864	144	17	inclusion	inclusion	NOUN
ahmr-864	144	18	can	can	AUX
ahmr-864	144	19	be	be	AUX
ahmr-864	144	20	improved	improve	VERB
ahmr-864	144	21	,	,	PUNCT
ahmr-864	144	22	whilst	whilst	SCONJ
ahmr-864	144	23	ensuring	ensure	VERB
ahmr-864	144	24	that	that	SCONJ
ahmr-864	144	25	financial	financial	ADJ
ahmr-864	144	26	integrity	integrity	NOUN
ahmr-864	144	27	is	be	AUX
ahmr-864	144	28	maintained	maintain	VERB
ahmr-864	144	29	.	.	PUNCT
ahmr-864	145	1	57	57	NUM
ahmr-864	145	2	domestic	domestic	ADJ
ahmr-864	145	3	remittances	remittance	NOUN
ahmr-864	145	4	and	and	CCONJ
ahmr-864	145	5	the	the	DET
ahmr-864	145	6	south	south	ADJ
ahmr-864	145	7	african	african	ADJ
ahmr-864	145	8	national	national	ADJ
ahmr-864	145	9	payment	payment	NOUN
ahmr-864	145	10	system	system	NOUN
ahmr-864	145	11	(	(	PUNCT
ahmr-864	145	12	nps	nps	PROPN
ahmr-864	145	13	)	)	PUNCT
ahmr-864	145	14	background	background	NOUN
ahmr-864	145	15	on	on	ADP
ahmr-864	145	16	the	the	DET
ahmr-864	145	17	nps	nps	PROPN
ahmr-864	145	18	a	a	DET
ahmr-864	145	19	national	national	ADJ
ahmr-864	145	20	payment	payment	NOUN
ahmr-864	145	21	system	system	NOUN
ahmr-864	145	22	(	(	PUNCT
ahmr-864	145	23	nps	nps	PROPN
ahmr-864	145	24	)	)	PUNCT
ahmr-864	145	25	,	,	PUNCT
ahmr-864	145	26	as	as	SCONJ
ahmr-864	145	27	defined	define	VERB
ahmr-864	145	28	by	by	ADP
ahmr-864	145	29	the	the	DET
ahmr-864	145	30	bis	bis	PROPN
ahmr-864	145	31	,	,	PUNCT
ahmr-864	145	32	encompasses	encompass	VERB
ahmr-864	145	33	a	a	DET
ahmr-864	145	34	set	set	NOUN
ahmr-864	145	35	of	of	ADP
ahmr-864	145	36	instruments	instrument	NOUN
ahmr-864	145	37	,	,	PUNCT
ahmr-864	145	38	banking	banking	NOUN
ahmr-864	145	39	procedures	procedure	NOUN
ahmr-864	145	40	,	,	PUNCT
ahmr-864	145	41	and	and	CCONJ
ahmr-864	145	42	typically	typically	ADV
ahmr-864	145	43	a	a	DET
ahmr-864	145	44	funds	fund	NOUN
ahmr-864	145	45	transfer	transfer	NOUN
ahmr-864	145	46	system	system	NOUN
ahmr-864	145	47	that	that	PRON
ahmr-864	145	48	allows	allow	VERB
ahmr-864	145	49	for	for	ADP
ahmr-864	145	50	the	the	DET
ahmr-864	145	51	circulation	circulation	NOUN
ahmr-864	145	52	of	of	ADP
ahmr-864	145	53	funds	fund	NOUN
ahmr-864	145	54	(	(	PUNCT
ahmr-864	145	55	cpss	cpss	NOUN
ahmr-864	145	56	,	,	PUNCT
ahmr-864	145	57	2005	2005	NUM
ahmr-864	145	58	)	)	PUNCT
ahmr-864	145	59	.	.	PUNCT
ahmr-864	146	1	aside	aside	ADV
ahmr-864	146	2	from	from	ADP
ahmr-864	146	3	the	the	DET
ahmr-864	146	4	payments	payment	NOUN
ahmr-864	146	5	between	between	ADP
ahmr-864	146	6	banks	bank	NOUN
ahmr-864	146	7	,	,	PUNCT
ahmr-864	146	8	a	a	DET
ahmr-864	146	9	payment	payment	NOUN
ahmr-864	146	10	system	system	NOUN
ahmr-864	146	11	includes	include	VERB
ahmr-864	146	12	the	the	DET
ahmr-864	146	13	entire	entire	ADJ
ahmr-864	146	14	payment	payment	NOUN
ahmr-864	146	15	process	process	NOUN
ahmr-864	146	16	,	,	PUNCT
ahmr-864	146	17	systems	system	NOUN
ahmr-864	146	18	,	,	PUNCT
ahmr-864	146	19	mechanisms	mechanism	NOUN
ahmr-864	146	20	,	,	PUNCT
ahmr-864	146	21	institutions	institution	NOUN
ahmr-864	146	22	,	,	PUNCT
ahmr-864	146	23	agreements	agreement	NOUN
ahmr-864	146	24	as	as	ADV
ahmr-864	146	25	well	well	ADV
ahmr-864	146	26	as	as	ADP
ahmr-864	146	27	laws	law	NOUN
ahmr-864	146	28	that	that	PRON
ahmr-864	146	29	are	be	AUX
ahmr-864	146	30	in	in	ADP
ahmr-864	146	31	place	place	NOUN
ahmr-864	146	32	and	and	CCONJ
ahmr-864	146	33	have	have	VERB
ahmr-864	146	34	an	an	DET
ahmr-864	146	35	impact	impact	NOUN
ahmr-864	146	36	upon	upon	SCONJ
ahmr-864	146	37	the	the	DET
ahmr-864	146	38	movement	movement	NOUN
ahmr-864	146	39	of	of	ADP
ahmr-864	146	40	funds	fund	NOUN
ahmr-864	146	41	(	(	PUNCT
ahmr-864	146	42	sarb	sarb	NOUN
ahmr-864	146	43	,	,	PUNCT
ahmr-864	146	44	2008	2008	NUM
ahmr-864	146	45	)	)	PUNCT
ahmr-864	146	46	.	.	PUNCT
ahmr-864	147	1	before	before	SCONJ
ahmr-864	147	2	the	the	DET
ahmr-864	147	3	national	national	ADJ
ahmr-864	147	4	payment	payment	NOUN
ahmr-864	147	5	system	system	NOUN
ahmr-864	147	6	act	act	VERB
ahmr-864	147	7	78	78	NUM
ahmr-864	147	8	of	of	ADP
ahmr-864	147	9	1998	1998	NUM
ahmr-864	147	10	(	(	PUNCT
ahmr-864	147	11	rsa	rsa	NOUN
ahmr-864	147	12	,	,	PUNCT
ahmr-864	147	13	1998	1998	NUM
ahmr-864	147	14	)	)	PUNCT
ahmr-864	147	15	came	come	VERB
ahmr-864	147	16	into	into	ADP
ahmr-864	147	17	effect	effect	NOUN
ahmr-864	147	18	,	,	PUNCT
ahmr-864	147	19	there	there	PRON
ahmr-864	147	20	was	be	VERB
ahmr-864	147	21	no	no	DET
ahmr-864	147	22	legislation	legislation	NOUN
ahmr-864	147	23	that	that	PRON
ahmr-864	147	24	specifically	specifically	ADV
ahmr-864	147	25	governed	govern	VERB
ahmr-864	147	26	the	the	DET
ahmr-864	147	27	nps	nps	PROPN
ahmr-864	147	28	.	.	PUNCT
ahmr-864	148	1	the	the	DET
ahmr-864	148	2	nps	nps	PROPN
ahmr-864	148	3	was	be	AUX
ahmr-864	148	4	established	establish	VERB
ahmr-864	148	5	,	,	PUNCT
ahmr-864	148	6	regulated	regulate	VERB
ahmr-864	148	7	by	by	ADP
ahmr-864	148	8	either	either	CCONJ
ahmr-864	148	9	common	common	ADJ
ahmr-864	148	10	law	law	NOUN
ahmr-864	148	11	or	or	CCONJ
ahmr-864	148	12	in	in	ADP
ahmr-864	148	13	terms	term	NOUN
ahmr-864	148	14	of	of	ADP
ahmr-864	148	15	certain	certain	ADJ
ahmr-864	148	16	provisions	provision	NOUN
ahmr-864	148	17	contained	contain	VERB
ahmr-864	148	18	in	in	ADP
ahmr-864	148	19	selected	select	VERB
ahmr-864	148	20	south	south	ADJ
ahmr-864	148	21	african	african	ADJ
ahmr-864	148	22	legislation	legislation	NOUN
ahmr-864	148	23	(	(	PUNCT
ahmr-864	148	24	lawack	lawack	NOUN
ahmr-864	148	25	-	-	PUNCT
ahmr-864	148	26	davids	davids	PROPN
ahmr-864	148	27	,	,	PUNCT
ahmr-864	148	28	2008	2008	NUM
ahmr-864	148	29	)	)	PUNCT
ahmr-864	148	30	.	.	PUNCT
ahmr-864	149	1	the	the	DET
ahmr-864	149	2	nps	nps	PROPN
ahmr-864	149	3	act	act	PROPN
ahmr-864	149	4	,	,	PUNCT
ahmr-864	149	5	which	which	PRON
ahmr-864	149	6	came	come	VERB
ahmr-864	149	7	into	into	ADP
ahmr-864	149	8	effect	effect	NOUN
ahmr-864	149	9	on	on	ADP
ahmr-864	149	10	28	28	NUM
ahmr-864	149	11	october	october	PROPN
ahmr-864	149	12	2008	2008	NUM
ahmr-864	149	13	,	,	PUNCT
ahmr-864	149	14	is	be	AUX
ahmr-864	149	15	currently	currently	ADV
ahmr-864	149	16	the	the	DET
ahmr-864	149	17	principal	principal	ADJ
ahmr-864	149	18	piece	piece	NOUN
ahmr-864	149	19	of	of	ADP
ahmr-864	149	20	legislation	legislation	NOUN
ahmr-864	149	21	that	that	PRON
ahmr-864	149	22	regulates	regulate	VERB
ahmr-864	149	23	the	the	DET
ahmr-864	149	24	nps	nps	PROPN
ahmr-864	149	25	.	.	PUNCT
ahmr-864	150	1	over	over	ADP
ahmr-864	150	2	the	the	DET
ahmr-864	150	3	past	past	ADJ
ahmr-864	150	4	years	year	NOUN
ahmr-864	150	5	,	,	PUNCT
ahmr-864	150	6	the	the	DET
ahmr-864	150	7	south	south	ADJ
ahmr-864	150	8	african	african	PROPN
ahmr-864	150	9	nps	nps	PROPN
ahmr-864	150	10	has	have	AUX
ahmr-864	150	11	developed	develop	VERB
ahmr-864	150	12	into	into	ADP
ahmr-864	150	13	a	a	DET
ahmr-864	150	14	complex	complex	ADJ
ahmr-864	150	15	environment	environment	NOUN
ahmr-864	150	16	which	which	PRON
ahmr-864	150	17	,	,	PUNCT
ahmr-864	150	18	for	for	ADP
ahmr-864	150	19	clarity	clarity	NOUN
ahmr-864	150	20	,	,	PUNCT
ahmr-864	150	21	can	can	AUX
ahmr-864	150	22	be	be	AUX
ahmr-864	150	23	broken	break	VERB
ahmr-864	150	24	down	down	ADP
ahmr-864	150	25	into	into	ADP
ahmr-864	150	26	various	various	ADJ
ahmr-864	150	27	inter	inter	ADJ
ahmr-864	150	28	-	-	ADJ
ahmr-864	150	29	linking	link	VERB
ahmr-864	150	30	payment	payment	NOUN
ahmr-864	150	31	networks	network	NOUN
ahmr-864	150	32	.	.	PUNCT
ahmr-864	151	1	these	these	DET
ahmr-864	151	2	networks	network	NOUN
ahmr-864	151	3	are	be	AUX
ahmr-864	151	4	:	:	PUNCT
ahmr-864	151	5	•	•	ADP
ahmr-864	151	6	the	the	DET
ahmr-864	151	7	customer	customer	NOUN
ahmr-864	151	8	network	network	NOUN
ahmr-864	151	9	;	;	PUNCT
ahmr-864	151	10	•	•	NUM
ahmr-864	151	11	the	the	DET
ahmr-864	151	12	payment	payment	NOUN
ahmr-864	151	13	network	network	NOUN
ahmr-864	151	14	;	;	PUNCT
ahmr-864	151	15	•	•	NUM
ahmr-864	151	16	the	the	DET
ahmr-864	151	17	clearing	clearing	NOUN
ahmr-864	151	18	network	network	NOUN
ahmr-864	151	19	;	;	PUNCT
ahmr-864	151	20	•	•	NUM
ahmr-864	151	21	the	the	DET
ahmr-864	151	22	settlement	settlement	NOUN
ahmr-864	151	23	network	network	NOUN
ahmr-864	151	24	;	;	PUNCT
ahmr-864	151	25	and	and	CCONJ
ahmr-864	151	26	•	•	NOUN
ahmr-864	151	27	the	the	DET
ahmr-864	151	28	continuous	continuous	ADJ
ahmr-864	151	29	linked	link	VERB
ahmr-864	151	30	settlement	settlement	NOUN
ahmr-864	151	31	network	network	NOUN
ahmr-864	151	32	(	(	PUNCT
ahmr-864	151	33	sarb	sarb	PROPN
ahmr-864	151	34	,	,	PUNCT
ahmr-864	151	35	2008	2008	NUM
ahmr-864	151	36	)	)	PUNCT
ahmr-864	151	37	.	.	PUNCT
ahmr-864	152	1	the	the	DET
ahmr-864	152	2	customer	customer	NOUN
ahmr-864	152	3	network	network	NOUN
ahmr-864	152	4	encompasses	encompass	VERB
ahmr-864	152	5	the	the	DET
ahmr-864	152	6	payment	payment	NOUN
ahmr-864	152	7	networks	network	NOUN
ahmr-864	152	8	that	that	PRON
ahmr-864	152	9	have	have	AUX
ahmr-864	152	10	been	be	AUX
ahmr-864	152	11	put	put	VERB
ahmr-864	152	12	in	in	ADP
ahmr-864	152	13	place	place	NOUN
ahmr-864	152	14	by	by	ADP
ahmr-864	152	15	business	business	NOUN
ahmr-864	152	16	customers	customer	NOUN
ahmr-864	152	17	of	of	ADP
ahmr-864	152	18	commercial	commercial	ADJ
ahmr-864	152	19	banks	bank	NOUN
ahmr-864	152	20	such	such	ADJ
ahmr-864	152	21	as	as	ADP
ahmr-864	152	22	supermarkets	supermarket	NOUN
ahmr-864	152	23	and	and	CCONJ
ahmr-864	152	24	public	public	ADJ
ahmr-864	152	25	utilities	utility	NOUN
ahmr-864	152	26	(	(	PUNCT
ahmr-864	152	27	sarb	sarb	NOUN
ahmr-864	152	28	,	,	PUNCT
ahmr-864	152	29	2008	2008	NUM
ahmr-864	152	30	)	)	PUNCT
ahmr-864	152	31	.	.	PUNCT
ahmr-864	153	1	the	the	DET
ahmr-864	153	2	customer	customer	NOUN
ahmr-864	153	3	network	network	NOUN
ahmr-864	153	4	allows	allow	VERB
ahmr-864	153	5	these	these	DET
ahmr-864	153	6	businesses	business	NOUN
ahmr-864	153	7	to	to	PART
ahmr-864	153	8	partake	partake	VERB
ahmr-864	153	9	in	in	ADP
ahmr-864	153	10	the	the	DET
ahmr-864	153	11	payment	payment	NOUN
ahmr-864	153	12	system	system	NOUN
ahmr-864	153	13	and	and	CCONJ
ahmr-864	153	14	provide	provide	VERB
ahmr-864	153	15	payment	payment	NOUN
ahmr-864	153	16	services	service	NOUN
ahmr-864	153	17	to	to	ADP
ahmr-864	153	18	their	their	PRON
ahmr-864	153	19	clients	client	NOUN
ahmr-864	153	20	.	.	PUNCT
ahmr-864	154	1	the	the	DET
ahmr-864	154	2	business	business	NOUN
ahmr-864	154	3	customers	customer	NOUN
ahmr-864	154	4	of	of	ADP
ahmr-864	154	5	banks	bank	NOUN
ahmr-864	154	6	can	can	AUX
ahmr-864	154	7	not	not	PART
ahmr-864	154	8	,	,	PUNCT
ahmr-864	154	9	however	however	ADV
ahmr-864	154	10	,	,	PUNCT
ahmr-864	154	11	directly	directly	ADV
ahmr-864	154	12	access	access	VERB
ahmr-864	154	13	the	the	DET
ahmr-864	154	14	settlement	settlement	NOUN
ahmr-864	154	15	network	network	NOUN
ahmr-864	154	16	and	and	CCONJ
ahmr-864	154	17	must	must	AUX
ahmr-864	154	18	therefore	therefore	ADV
ahmr-864	154	19	use	use	VERB
ahmr-864	154	20	the	the	DET
ahmr-864	154	21	payment	payment	NOUN
ahmr-864	154	22	networks	network	NOUN
ahmr-864	154	23	of	of	ADP
ahmr-864	154	24	participating	participate	VERB
ahmr-864	154	25	banks	bank	NOUN
ahmr-864	154	26	.	.	PUNCT
ahmr-864	155	1	the	the	DET
ahmr-864	155	2	payment	payment	NOUN
ahmr-864	155	3	network	network	NOUN
ahmr-864	155	4	consists	consist	VERB
ahmr-864	155	5	of	of	ADP
ahmr-864	155	6	the	the	DET
ahmr-864	155	7	systems	system	NOUN
ahmr-864	155	8	and	and	CCONJ
ahmr-864	155	9	communications	communication	NOUN
ahmr-864	155	10	mechanisms	mechanism	NOUN
ahmr-864	155	11	put	put	VERB
ahmr-864	155	12	in	in	ADP
ahmr-864	155	13	place	place	NOUN
ahmr-864	155	14	by	by	ADP
ahmr-864	155	15	commercial	commercial	ADJ
ahmr-864	155	16	banks	bank	NOUN
ahmr-864	155	17	in	in	ADP
ahmr-864	155	18	order	order	NOUN
ahmr-864	155	19	to	to	PART
ahmr-864	155	20	provide	provide	VERB
ahmr-864	155	21	their	their	PRON
ahmr-864	155	22	customers	customer	NOUN
ahmr-864	155	23	with	with	ADP
ahmr-864	155	24	facilities	facility	NOUN
ahmr-864	155	25	and	and	CCONJ
ahmr-864	155	26	channels	channel	NOUN
ahmr-864	155	27	to	to	PART
ahmr-864	155	28	effect	effect	VERB
ahmr-864	155	29	payments	payment	NOUN
ahmr-864	155	30	(	(	PUNCT
ahmr-864	155	31	sarb	sarb	NOUN
ahmr-864	155	32	,	,	PUNCT
ahmr-864	155	33	2008	2008	NUM
ahmr-864	155	34	)	)	PUNCT
ahmr-864	155	35	.	.	PUNCT
ahmr-864	156	1	it	it	PRON
ahmr-864	156	2	encompasses	encompass	VERB
ahmr-864	156	3	bankowned	bankowne	VERB
ahmr-864	156	4	automated	automate	VERB
ahmr-864	156	5	teller	teller	NOUN
ahmr-864	156	6	machines	machine	NOUN
ahmr-864	156	7	(	(	PUNCT
ahmr-864	156	8	atms	atms	PROPN
ahmr-864	156	9	)	)	PUNCT
ahmr-864	156	10	,	,	PUNCT
ahmr-864	156	11	internet	internet	NOUN
ahmr-864	156	12	banking	banking	NOUN
ahmr-864	156	13	services	service	NOUN
ahmr-864	156	14	,	,	PUNCT
ahmr-864	156	15	branch	branch	NOUN
ahmr-864	156	16	networks	network	NOUN
ahmr-864	156	17	and	and	CCONJ
ahmr-864	156	18	payment	payment	NOUN
ahmr-864	156	19	instruments	instrument	NOUN
ahmr-864	156	20	such	such	ADJ
ahmr-864	156	21	as	as	ADP
ahmr-864	156	22	cheques	cheque	NOUN
ahmr-864	156	23	,	,	PUNCT
ahmr-864	156	24	debit	debit	NOUN
ahmr-864	156	25	cards	card	NOUN
ahmr-864	156	26	,	,	PUNCT
ahmr-864	156	27	credit	credit	NOUN
ahmr-864	156	28	cards	card	NOUN
ahmr-864	156	29	and	and	CCONJ
ahmr-864	156	30	so	so	ADV
ahmr-864	156	31	forth	forth	ADV
ahmr-864	156	32	.	.	PUNCT
ahmr-864	157	1	clearing	clearing	NOUN
ahmr-864	157	2	refers	refer	VERB
ahmr-864	157	3	to	to	ADP
ahmr-864	157	4	the	the	DET
ahmr-864	157	5	exchange	exchange	NOUN
ahmr-864	157	6	of	of	ADP
ahmr-864	157	7	payment	payment	NOUN
ahmr-864	157	8	instructions	instruction	NOUN
ahmr-864	157	9	,	,	PUNCT
ahmr-864	157	10	in	in	ADP
ahmr-864	157	11	line	line	NOUN
ahmr-864	157	12	with	with	ADP
ahmr-864	157	13	section	section	NOUN
ahmr-864	157	14	1(iv	1(iv	NUM
ahmr-864	157	15	)	)	PUNCT
ahmr-864	157	16	of	of	ADP
ahmr-864	157	17	the	the	DET
ahmr-864	157	18	nps	nps	PROPN
ahmr-864	157	19	act	act	PROPN
ahmr-864	157	20	(	(	PUNCT
ahmr-864	157	21	rsa	rsa	NOUN
ahmr-864	157	22	,	,	PUNCT
ahmr-864	157	23	1998	1998	NUM
ahmr-864	157	24	)	)	PUNCT
ahmr-864	157	25	.	.	PUNCT
ahmr-864	158	1	the	the	DET
ahmr-864	158	2	clearing	clearing	NOUN
ahmr-864	158	3	network	network	NOUN
ahmr-864	158	4	provides	provide	VERB
ahmr-864	158	5	a	a	DET
ahmr-864	158	6	forum	forum	NOUN
ahmr-864	158	7	for	for	ADP
ahmr-864	158	8	payment	payment	NOUN
ahmr-864	158	9	system	system	NOUN
ahmr-864	158	10	participants	participant	NOUN
ahmr-864	158	11	to	to	PART
ahmr-864	158	12	exchange	exchange	VERB
ahmr-864	158	13	payment	payment	NOUN
ahmr-864	158	14	instructions	instruction	NOUN
ahmr-864	158	15	.	.	PUNCT
ahmr-864	159	1	previously	previously	ADV
ahmr-864	159	2	only	only	ADV
ahmr-864	159	3	banking	banking	NOUN
ahmr-864	159	4	institutions	institution	NOUN
ahmr-864	159	5	were	be	AUX
ahmr-864	159	6	granted	grant	VERB
ahmr-864	159	7	access	access	NOUN
ahmr-864	159	8	to	to	ADP
ahmr-864	159	9	the	the	DET
ahmr-864	159	10	clearing	clearing	NOUN
ahmr-864	159	11	network	network	NOUN
ahmr-864	159	12	.	.	PUNCT
ahmr-864	160	1	as	as	SCONJ
ahmr-864	160	2	the	the	DET
ahmr-864	160	3	payment	payment	NOUN
ahmr-864	160	4	system	system	NOUN
ahmr-864	160	5	evolved	evolve	VERB
ahmr-864	160	6	,	,	PUNCT
ahmr-864	160	7	more	more	ADJ
ahmr-864	160	8	non	non	ADJ
ahmr-864	160	9	-	-	ADJ
ahmr-864	160	10	banking	banking	ADJ
ahmr-864	160	11	institutions	institution	NOUN
ahmr-864	160	12	began	begin	VERB
ahmr-864	160	13	to	to	PART
ahmr-864	160	14	participate	participate	VERB
ahmr-864	160	15	in	in	ADP
ahmr-864	160	16	the	the	DET
ahmr-864	160	17	payment	payment	NOUN
ahmr-864	160	18	towards	towards	ADP
ahmr-864	160	19	a	a	DET
ahmr-864	160	20	legal	legal	ADJ
ahmr-864	160	21	and	and	CCONJ
ahmr-864	160	22	regulatory	regulatory	ADJ
ahmr-864	160	23	framework	framework	NOUN
ahmr-864	160	24	for	for	ADP
ahmr-864	160	25	south	south	ADJ
ahmr-864	160	26	african	african	ADJ
ahmr-864	160	27	domestic	domestic	ADJ
ahmr-864	160	28	remittances	remittance	NOUN
ahmr-864	160	29	58	58	NUM
ahmr-864	160	30	ahmr	ahmr	NOUN
ahmr-864	160	31	african	african	PROPN
ahmr-864	160	32	human	human	PROPN
ahmr-864	160	33	mobilty	mobilty	PROPN
ahmr-864	160	34	review	review	NOUN
ahmr-864	160	35	volume	volume	NOUN
ahmr-864	160	36	7	7	NUM
ahmr-864	160	37	no	no	DET
ahmr-864	160	38	1	1	NUM
ahmr-864	160	39	,	,	PUNCT
ahmr-864	160	40	jan	jan	NOUN
ahmr-864	160	41	-	-	PUNCT
ahmr-864	160	42	apr	apr	NOUN
ahmr-864	160	43	2021	2021	NUM
ahmr-864	160	44	system	system	NOUN
ahmr-864	160	45	.	.	PUNCT
ahmr-864	161	1	the	the	DET
ahmr-864	161	2	reserve	reserve	PROPN
ahmr-864	161	3	bank	bank	PROPN
ahmr-864	161	4	decided	decide	VERB
ahmr-864	161	5	to	to	PART
ahmr-864	161	6	re	re	VERB
ahmr-864	161	7	-	-	VERB
ahmr-864	161	8	evaluate	evaluate	VERB
ahmr-864	161	9	the	the	DET
ahmr-864	161	10	criteria	criterion	NOUN
ahmr-864	161	11	for	for	ADP
ahmr-864	161	12	participation	participation	NOUN
ahmr-864	161	13	in	in	ADP
ahmr-864	161	14	the	the	DET
ahmr-864	161	15	clearing	clearing	NOUN
ahmr-864	161	16	network	network	NOUN
ahmr-864	161	17	and	and	CCONJ
ahmr-864	161	18	as	as	ADP
ahmr-864	161	19	a	a	DET
ahmr-864	161	20	consequence	consequence	NOUN
ahmr-864	161	21	,	,	PUNCT
ahmr-864	161	22	non	non	ADJ
ahmr-864	161	23	-	-	ADJ
ahmr-864	161	24	banking	banking	ADJ
ahmr-864	161	25	institutions	institution	NOUN
ahmr-864	161	26	are	be	AUX
ahmr-864	161	27	now	now	ADV
ahmr-864	161	28	able	able	ADJ
ahmr-864	161	29	to	to	PART
ahmr-864	161	30	access	access	VERB
ahmr-864	161	31	the	the	DET
ahmr-864	161	32	network	network	NOUN
ahmr-864	161	33	and	and	CCONJ
ahmr-864	161	34	clear	clear	ADJ
ahmr-864	161	35	in	in	ADP
ahmr-864	161	36	their	their	PRON
ahmr-864	161	37	own	own	ADJ
ahmr-864	161	38	name	name	NOUN
ahmr-864	161	39	(	(	PUNCT
ahmr-864	161	40	sarb	sarb	NOUN
ahmr-864	161	41	,	,	PUNCT
ahmr-864	161	42	2008	2008	NUM
ahmr-864	161	43	)	)	PUNCT
ahmr-864	161	44	.	.	PUNCT
ahmr-864	162	1	payment	payment	NOUN
ahmr-864	162	2	clearing	clearing	NOUN
ahmr-864	162	3	house	house	NOUN
ahmr-864	162	4	(	(	PUNCT
ahmr-864	162	5	pch	pch	ADJ
ahmr-864	162	6	)	)	PUNCT
ahmr-864	162	7	system	system	NOUN
ahmr-864	162	8	operators	operator	NOUN
ahmr-864	162	9	are	be	AUX
ahmr-864	162	10	other	other	ADJ
ahmr-864	162	11	participants	participant	NOUN
ahmr-864	162	12	of	of	ADP
ahmr-864	162	13	the	the	DET
ahmr-864	162	14	clearing	clearing	NOUN
ahmr-864	162	15	network	network	NOUN
ahmr-864	162	16	.	.	PUNCT
ahmr-864	163	1	these	these	PRON
ahmr-864	163	2	are	be	AUX
ahmr-864	163	3	also	also	ADV
ahmr-864	163	4	referred	refer	VERB
ahmr-864	163	5	to	to	ADP
ahmr-864	163	6	as	as	ADP
ahmr-864	163	7	“	"	PUNCT
ahmr-864	163	8	clearing	clear	VERB
ahmr-864	163	9	houses	house	NOUN
ahmr-864	163	10	”	"	PUNCT
ahmr-864	163	11	.	.	PUNCT
ahmr-864	164	1	the	the	DET
ahmr-864	164	2	nps	nps	PROPN
ahmr-864	164	3	act	act	PROPN
ahmr-864	164	4	defines	define	VERB
ahmr-864	164	5	a	a	DET
ahmr-864	164	6	pch	pch	ADJ
ahmr-864	164	7	system	system	NOUN
ahmr-864	164	8	operator	operator	NOUN
ahmr-864	164	9	as	as	ADP
ahmr-864	164	10	,	,	PUNCT
ahmr-864	164	11	“	"	PUNCT
ahmr-864	164	12	a	a	DET
ahmr-864	164	13	person	person	NOUN
ahmr-864	164	14	authorised	authorise	VERB
ahmr-864	164	15	by	by	ADP
ahmr-864	164	16	the	the	DET
ahmr-864	164	17	payment	payment	NOUN
ahmr-864	164	18	system	system	NOUN
ahmr-864	164	19	management	management	NOUN
ahmr-864	164	20	body	body	NOUN
ahmr-864	164	21	to	to	PART
ahmr-864	164	22	provide	provide	VERB
ahmr-864	164	23	clearing	clearing	NOUN
ahmr-864	164	24	processing	processing	NOUN
ahmr-864	164	25	services	service	NOUN
ahmr-864	164	26	on	on	ADP
ahmr-864	164	27	behalf	behalf	NOUN
ahmr-864	164	28	of	of	ADP
ahmr-864	164	29	two	two	NUM
ahmr-864	164	30	or	or	CCONJ
ahmr-864	164	31	more	more	ADJ
ahmr-864	164	32	system	system	NOUN
ahmr-864	164	33	participants	participant	NOUN
ahmr-864	164	34	or	or	CCONJ
ahmr-864	164	35	a	a	DET
ahmr-864	164	36	payment	payment	NOUN
ahmr-864	164	37	clearing	clearing	NOUN
ahmr-864	164	38	house	house	NOUN
ahmr-864	164	39	–	–	PUNCT
ahmr-864	164	40	as	as	ADP
ahmr-864	164	41	per	per	ADP
ahmr-864	164	42	section	section	NOUN
ahmr-864	164	43	1(xx	1(xx	NUM
ahmr-864	164	44	)	)	PUNCT
ahmr-864	164	45	(	(	PUNCT
ahmr-864	164	46	rsa	rsa	NOUN
ahmr-864	164	47	,	,	PUNCT
ahmr-864	164	48	1998	1998	NUM
ahmr-864	164	49	)	)	PUNCT
ahmr-864	164	50	.	.	PUNCT
ahmr-864	165	1	in	in	ADP
ahmr-864	165	2	south	south	PROPN
ahmr-864	165	3	africa	africa	PROPN
ahmr-864	165	4	,	,	PUNCT
ahmr-864	165	5	one	one	NUM
ahmr-864	165	6	such	such	ADJ
ahmr-864	165	7	pch	pch	ADJ
ahmr-864	165	8	system	system	NOUN
ahmr-864	165	9	operator	operator	NOUN
ahmr-864	165	10	is	be	AUX
ahmr-864	165	11	bankserv	bankserv	NOUN
ahmr-864	165	12	.	.	PUNCT
ahmr-864	166	1	bankserv	bankserv	PROPN
ahmr-864	166	2	,	,	PUNCT
ahmr-864	166	3	which	which	PRON
ahmr-864	166	4	is	be	AUX
ahmr-864	166	5	owned	own	VERB
ahmr-864	166	6	by	by	ADP
ahmr-864	166	7	the	the	DET
ahmr-864	166	8	south	south	ADJ
ahmr-864	166	9	african	african	ADJ
ahmr-864	166	10	clearing	clearing	NOUN
ahmr-864	166	11	and	and	CCONJ
ahmr-864	166	12	settlement	settlement	NOUN
ahmr-864	166	13	banks	bank	NOUN
ahmr-864	166	14	,	,	PUNCT
ahmr-864	166	15	is	be	AUX
ahmr-864	166	16	responsible	responsible	ADJ
ahmr-864	166	17	for	for	ADP
ahmr-864	166	18	clearing	clear	VERB
ahmr-864	166	19	and	and	CCONJ
ahmr-864	166	20	determining	determine	VERB
ahmr-864	166	21	interbank	interbank	NOUN
ahmr-864	166	22	obligations	obligation	NOUN
ahmr-864	166	23	stemming	stem	VERB
ahmr-864	166	24	from	from	ADP
ahmr-864	166	25	the	the	DET
ahmr-864	166	26	retail	retail	ADJ
ahmr-864	166	27	payments	payment	NOUN
ahmr-864	166	28	environment	environment	NOUN
ahmr-864	166	29	.	.	PUNCT
ahmr-864	167	1	a	a	DET
ahmr-864	167	2	settlement	settlement	NOUN
ahmr-864	167	3	system	system	NOUN
ahmr-864	167	4	is	be	AUX
ahmr-864	167	5	defined	define	VERB
ahmr-864	167	6	by	by	ADP
ahmr-864	167	7	the	the	DET
ahmr-864	167	8	nps	nps	PROPN
ahmr-864	167	9	act	act	NOUN
ahmr-864	167	10	as	as	ADP
ahmr-864	167	11	,	,	PUNCT
ahmr-864	167	12	“	"	PUNCT
ahmr-864	167	13	a	a	DET
ahmr-864	167	14	system	system	NOUN
ahmr-864	167	15	established	establish	VERB
ahmr-864	167	16	and	and	CCONJ
ahmr-864	167	17	operated	operate	VERB
ahmr-864	167	18	by	by	ADP
ahmr-864	167	19	the	the	DET
ahmr-864	167	20	reserve	reserve	PROPN
ahmr-864	167	21	bank	bank	PROPN
ahmr-864	167	22	for	for	ADP
ahmr-864	167	23	the	the	DET
ahmr-864	167	24	discharge	discharge	NOUN
ahmr-864	167	25	of	of	ADP
ahmr-864	167	26	payment	payment	NOUN
ahmr-864	167	27	and	and	CCONJ
ahmr-864	167	28	settlement	settlement	NOUN
ahmr-864	167	29	obligations	obligation	NOUN
ahmr-864	167	30	between	between	ADP
ahmr-864	167	31	system	system	NOUN
ahmr-864	167	32	participants	participant	NOUN
ahmr-864	167	33	”	"	PUNCT
ahmr-864	167	34	as	as	ADP
ahmr-864	167	35	per	per	ADP
ahmr-864	167	36	section	section	NOUN
ahmr-864	167	37	1(xvii	1(xvii	NUM
ahmr-864	167	38	)	)	PUNCT
ahmr-864	167	39	(	(	PUNCT
ahmr-864	167	40	rsa	rsa	NOUN
ahmr-864	167	41	,	,	PUNCT
ahmr-864	167	42	1998	1998	NUM
ahmr-864	167	43	)	)	PUNCT
ahmr-864	167	44	.	.	PUNCT
ahmr-864	168	1	the	the	DET
ahmr-864	168	2	core	core	NOUN
ahmr-864	168	3	of	of	ADP
ahmr-864	168	4	south	south	PROPN
ahmr-864	168	5	africa	africa	PROPN
ahmr-864	168	6	’s	’s	PART
ahmr-864	168	7	payment	payment	NOUN
ahmr-864	168	8	system	system	NOUN
ahmr-864	168	9	is	be	AUX
ahmr-864	168	10	the	the	DET
ahmr-864	168	11	south	south	ADJ
ahmr-864	168	12	african	african	ADJ
ahmr-864	168	13	multiple	multiple	ADJ
ahmr-864	168	14	option	option	NOUN
ahmr-864	168	15	settlement	settlement	NOUN
ahmr-864	168	16	(	(	PUNCT
ahmr-864	168	17	samos	samos	NOUN
ahmr-864	168	18	)	)	PUNCT
ahmr-864	168	19	system	system	NOUN
ahmr-864	168	20	,	,	PUNCT
ahmr-864	168	21	which	which	PRON
ahmr-864	168	22	is	be	AUX
ahmr-864	168	23	owned	own	VERB
ahmr-864	168	24	and	and	CCONJ
ahmr-864	168	25	operated	operate	VERB
ahmr-864	168	26	by	by	ADP
ahmr-864	168	27	the	the	DET
ahmr-864	168	28	south	south	PROPN
ahmr-864	168	29	african	african	PROPN
ahmr-864	168	30	reserve	reserve	PROPN
ahmr-864	168	31	bank	bank	PROPN
ahmr-864	168	32	.	.	PUNCT
ahmr-864	169	1	the	the	DET
ahmr-864	169	2	samos	samos	PROPN
ahmr-864	169	3	is	be	AUX
ahmr-864	169	4	a	a	DET
ahmr-864	169	5	real	real	ADJ
ahmr-864	169	6	-	-	PUNCT
ahmr-864	169	7	time	time	NOUN
ahmr-864	169	8	gross	gross	ADJ
ahmr-864	169	9	settlement	settlement	NOUN
ahmr-864	169	10	(	(	PUNCT
ahmr-864	169	11	rtgs	rtgs	NOUN
ahmr-864	169	12	)	)	PUNCT
ahmr-864	169	13	system	system	NOUN
ahmr-864	169	14	and	and	CCONJ
ahmr-864	169	15	enables	enable	VERB
ahmr-864	169	16	settlement	settlement	NOUN
ahmr-864	169	17	participants	participant	NOUN
ahmr-864	169	18	to	to	PART
ahmr-864	169	19	settle	settle	VERB
ahmr-864	169	20	their	their	PRON
ahmr-864	169	21	interbank	interbank	NOUN
ahmr-864	169	22	payment	payment	NOUN
ahmr-864	169	23	obligations	obligation	NOUN
ahmr-864	169	24	finally	finally	ADV
ahmr-864	169	25	and	and	CCONJ
ahmr-864	169	26	irrevocably	irrevocably	ADV
ahmr-864	169	27	.	.	PUNCT
ahmr-864	170	1	rtgs	rtgs	PROPN
ahmr-864	170	2	systems	system	NOUN
ahmr-864	170	3	allow	allow	VERB
ahmr-864	170	4	for	for	ADP
ahmr-864	170	5	funds	fund	NOUN
ahmr-864	170	6	as	as	ADV
ahmr-864	170	7	well	well	ADV
ahmr-864	170	8	as	as	ADP
ahmr-864	170	9	securities	security	NOUN
ahmr-864	170	10	transfers	transfer	NOUN
ahmr-864	170	11	to	to	PART
ahmr-864	170	12	be	be	AUX
ahmr-864	170	13	continuously	continuously	ADV
ahmr-864	170	14	settled	settle	VERB
ahmr-864	170	15	in	in	ADP
ahmr-864	170	16	‘	'	PUNCT
ahmr-864	170	17	real	real	ADJ
ahmr-864	170	18	time	time	NOUN
ahmr-864	170	19	’	'	PUNCT
ahmr-864	170	20	.	.	PUNCT
ahmr-864	171	1	transfers	transfer	NOUN
ahmr-864	171	2	are	be	AUX
ahmr-864	171	3	settled	settle	VERB
ahmr-864	171	4	individually	individually	ADV
ahmr-864	171	5	at	at	ADP
ahmr-864	171	6	the	the	DET
ahmr-864	171	7	time	time	NOUN
ahmr-864	171	8	that	that	PRON
ahmr-864	171	9	they	they	PRON
ahmr-864	171	10	are	be	AUX
ahmr-864	171	11	received	receive	VERB
ahmr-864	171	12	as	as	SCONJ
ahmr-864	171	13	opposed	oppose	VERB
ahmr-864	171	14	to	to	ADP
ahmr-864	171	15	them	they	PRON
ahmr-864	171	16	being	be	AUX
ahmr-864	171	17	settled	settle	VERB
ahmr-864	171	18	collectively	collectively	ADV
ahmr-864	171	19	with	with	ADP
ahmr-864	171	20	other	other	ADJ
ahmr-864	171	21	transfers	transfer	NOUN
ahmr-864	171	22	at	at	ADP
ahmr-864	171	23	a	a	DET
ahmr-864	171	24	later	later	ADJ
ahmr-864	171	25	stage	stage	NOUN
ahmr-864	171	26	(	(	PUNCT
ahmr-864	171	27	see	see	VERB
ahmr-864	171	28	cpss	cpss	NOUN
ahmr-864	171	29	definition	definition	NOUN
ahmr-864	171	30	of	of	ADP
ahmr-864	171	31	‘	'	PUNCT
ahmr-864	171	32	real	real	ADJ
ahmr-864	171	33	time	time	NOUN
ahmr-864	171	34	’	'	PUNCT
ahmr-864	171	35	and	and	CCONJ
ahmr-864	171	36	‘	'	PUNCT
ahmr-864	171	37	rtgs	rtgs	NOUN
ahmr-864	171	38	systems	system	NOUN
ahmr-864	171	39	’	'	PUNCT
ahmr-864	171	40	in	in	ADP
ahmr-864	171	41	cpss	cpss	NOUN
ahmr-864	171	42	,	,	PUNCT
ahmr-864	171	43	2005	2005	NUM
ahmr-864	171	44	:	:	PUNCT
ahmr-864	171	45	40	40	NUM
ahmr-864	171	46	-	-	SYM
ahmr-864	171	47	41	41	NUM
ahmr-864	171	48	.	.	PUNCT
ahmr-864	172	1	only	only	ADV
ahmr-864	172	2	banking	banking	NOUN
ahmr-864	172	3	institutions	institution	NOUN
ahmr-864	172	4	and	and	CCONJ
ahmr-864	172	5	designated	designate	VERB
ahmr-864	172	6	settlement	settlement	NOUN
ahmr-864	172	7	operators	operator	NOUN
ahmr-864	172	8	have	have	VERB
ahmr-864	172	9	access	access	NOUN
ahmr-864	172	10	to	to	ADP
ahmr-864	172	11	the	the	DET
ahmr-864	172	12	settlement	settlement	NOUN
ahmr-864	172	13	system	system	NOUN
ahmr-864	172	14	(	(	PUNCT
ahmr-864	172	15	see	see	VERB
ahmr-864	172	16	sections	section	NOUN
ahmr-864	172	17	3	3	NUM
ahmr-864	172	18	and	and	CCONJ
ahmr-864	172	19	4	4	NUM
ahmr-864	172	20	of	of	ADP
ahmr-864	172	21	the	the	DET
ahmr-864	172	22	nps	nps	PROPN
ahmr-864	172	23	act	act	NOUN
ahmr-864	172	24	,	,	PUNCT
ahmr-864	172	25	1998	1998	NUM
ahmr-864	172	26	)	)	PUNCT
ahmr-864	172	27	.	.	PUNCT
ahmr-864	173	1	the	the	DET
ahmr-864	173	2	continuous	continuous	ADJ
ahmr-864	173	3	linked	link	VERB
ahmr-864	173	4	settlement	settlement	NOUN
ahmr-864	173	5	(	(	PUNCT
ahmr-864	173	6	cls	cls	NOUN
ahmr-864	173	7	)	)	PUNCT
ahmr-864	173	8	system	system	NOUN
ahmr-864	173	9	interlinks	interlink	NOUN
ahmr-864	173	10	with	with	ADP
ahmr-864	173	11	the	the	DET
ahmr-864	173	12	samos	samos	PROPN
ahmr-864	173	13	for	for	ADP
ahmr-864	173	14	purposes	purpose	NOUN
ahmr-864	173	15	of	of	ADP
ahmr-864	173	16	settling	settle	VERB
ahmr-864	173	17	the	the	DET
ahmr-864	173	18	rand	rand	NOUN
ahmr-864	173	19	leg	leg	NOUN
ahmr-864	173	20	of	of	ADP
ahmr-864	173	21	high	high	ADJ
ahmr-864	173	22	-	-	PUNCT
ahmr-864	173	23	value	value	NOUN
ahmr-864	173	24	cross	cross	ADJ
ahmr-864	173	25	-	-	ADJ
ahmr-864	173	26	border	border	ADJ
ahmr-864	173	27	foreign	foreign	ADJ
ahmr-864	173	28	exchange	exchange	NOUN
ahmr-864	173	29	transactions	transaction	NOUN
ahmr-864	173	30	(	(	PUNCT
ahmr-864	173	31	lawack	lawack	NOUN
ahmr-864	173	32	-	-	PUNCT
ahmr-864	173	33	davids	davids	PROPN
ahmr-864	173	34	,	,	PUNCT
ahmr-864	173	35	2008	2008	NUM
ahmr-864	173	36	)	)	PUNCT
ahmr-864	173	37	.	.	PUNCT
ahmr-864	174	1	low	low	ADJ
ahmr-864	174	2	-	-	PUNCT
ahmr-864	174	3	value	value	NOUN
ahmr-864	174	4	payments	payment	NOUN
ahmr-864	174	5	such	such	ADJ
ahmr-864	174	6	as	as	ADP
ahmr-864	174	7	remittances	remittance	NOUN
ahmr-864	174	8	are	be	AUX
ahmr-864	174	9	not	not	PART
ahmr-864	174	10	settled	settle	VERB
ahmr-864	174	11	within	within	ADP
ahmr-864	174	12	the	the	DET
ahmr-864	174	13	cls	cls	NOUN
ahmr-864	174	14	system	system	NOUN
ahmr-864	174	15	.	.	PUNCT
ahmr-864	175	1	such	such	ADJ
ahmr-864	175	2	cross	cross	ADJ
ahmr-864	175	3	-	-	ADJ
ahmr-864	175	4	border	border	ADJ
ahmr-864	175	5	transactions	transaction	NOUN
ahmr-864	175	6	are	be	AUX
ahmr-864	175	7	settled	settle	VERB
ahmr-864	175	8	through	through	ADP
ahmr-864	175	9	cross	cross	ADJ
ahmr-864	175	10	-	-	ADJ
ahmr-864	175	11	border	border	ADJ
ahmr-864	175	12	banking	banking	NOUN
ahmr-864	175	13	relationships	relationship	NOUN
ahmr-864	175	14	.	.	PUNCT
ahmr-864	176	1	(	(	PUNCT
ahmr-864	176	2	bis	bis	INTJ
ahmr-864	176	3	,	,	PUNCT
ahmr-864	176	4	1999	1999	NUM
ahmr-864	176	5	:	:	PUNCT
ahmr-864	176	6	147	147	NUM
ahmr-864	176	7	,	,	PUNCT
ahmr-864	176	8	158	158	NUM
ahmr-864	176	9	)	)	PUNCT
ahmr-864	176	10	.	.	PUNCT
ahmr-864	177	1	oversight	oversight	NOUN
ahmr-864	177	2	of	of	ADP
ahmr-864	177	3	the	the	DET
ahmr-864	177	4	national	national	ADJ
ahmr-864	177	5	payment	payment	NOUN
ahmr-864	177	6	system	system	NOUN
ahmr-864	177	7	(	(	PUNCT
ahmr-864	177	8	nps	nps	PROPN
ahmr-864	177	9	)	)	PUNCT
ahmr-864	177	10	the	the	DET
ahmr-864	177	11	south	south	PROPN
ahmr-864	177	12	african	african	PROPN
ahmr-864	177	13	reserve	reserve	PROPN
ahmr-864	177	14	bank	bank	PROPN
ahmr-864	177	15	describes	describe	VERB
ahmr-864	177	16	the	the	DET
ahmr-864	177	17	function	function	NOUN
ahmr-864	177	18	of	of	ADP
ahmr-864	177	19	overseeing	oversee	VERB
ahmr-864	177	20	the	the	DET
ahmr-864	177	21	national	national	ADJ
ahmr-864	177	22	payment	payment	NOUN
ahmr-864	177	23	system	system	NOUN
ahmr-864	177	24	as	as	ADP
ahmr-864	177	25	being	be	AUX
ahmr-864	177	26	inclusive	inclusive	ADJ
ahmr-864	177	27	of	of	ADP
ahmr-864	177	28	the	the	DET
ahmr-864	177	29	entire	entire	ADJ
ahmr-864	177	30	process	process	NOUN
ahmr-864	177	31	that	that	PRON
ahmr-864	177	32	is	be	AUX
ahmr-864	177	33	initiated	initiate	VERB
ahmr-864	177	34	when	when	SCONJ
ahmr-864	177	35	an	an	DET
ahmr-864	177	36	end	end	NOUN
ahmr-864	177	37	-	-	PUNCT
ahmr-864	177	38	user	user	NOUN
ahmr-864	177	39	issues	issue	NOUN
ahmr-864	177	40	a	a	DET
ahmr-864	177	41	payment	payment	NOUN
ahmr-864	177	42	instruction	instruction	NOUN
ahmr-864	177	43	to	to	PART
ahmr-864	177	44	pay	pay	VERB
ahmr-864	177	45	another	another	DET
ahmr-864	177	46	person	person	NOUN
ahmr-864	177	47	or	or	CCONJ
ahmr-864	177	48	business	business	NOUN
ahmr-864	177	49	,	,	PUNCT
ahmr-864	177	50	up	up	ADV
ahmr-864	177	51	until	until	ADP
ahmr-864	177	52	the	the	DET
ahmr-864	177	53	point	point	NOUN
ahmr-864	177	54	when	when	SCONJ
ahmr-864	177	55	the	the	DET
ahmr-864	177	56	beneficiary	beneficiary	NOUN
ahmr-864	177	57	receives	receive	VERB
ahmr-864	177	58	the	the	DET
ahmr-864	177	59	payment	payment	NOUN
ahmr-864	177	60	(	(	PUNCT
ahmr-864	177	61	sarb	sarb	NOUN
ahmr-864	177	62	,	,	PUNCT
ahmr-864	177	63	2006	2006	NUM
ahmr-864	177	64	:	:	PUNCT
ahmr-864	177	65	11	11	NUM
ahmr-864	177	66	)	)	PUNCT
ahmr-864	177	67	.	.	PUNCT
ahmr-864	178	1	it	it	PRON
ahmr-864	178	2	covers	cover	VERB
ahmr-864	178	3	all	all	DET
ahmr-864	178	4	the	the	DET
ahmr-864	178	5	arrangements	arrangement	NOUN
ahmr-864	178	6	and	and	CCONJ
ahmr-864	178	7	procedures	procedure	NOUN
ahmr-864	178	8	that	that	PRON
ahmr-864	178	9	exist	exist	VERB
ahmr-864	178	10	to	to	PART
ahmr-864	178	11	cater	cater	VERB
ahmr-864	178	12	for	for	ADP
ahmr-864	178	13	clearing	clear	VERB
ahmr-864	178	14	as	as	ADV
ahmr-864	178	15	well	well	ADV
ahmr-864	178	16	as	as	ADP
ahmr-864	178	17	settlement	settlement	NOUN
ahmr-864	178	18	of	of	ADP
ahmr-864	178	19	the	the	DET
ahmr-864	178	20	payment	payment	NOUN
ahmr-864	178	21	instruction	instruction	NOUN
ahmr-864	178	22	,	,	PUNCT
ahmr-864	178	23	and	and	CCONJ
ahmr-864	178	24	payment	payment	NOUN
ahmr-864	178	25	towards	towards	ADP
ahmr-864	178	26	the	the	DET
ahmr-864	178	27	intended	intend	VERB
ahmr-864	178	28	beneficiary	beneficiary	NOUN
ahmr-864	178	29	(	(	PUNCT
ahmr-864	178	30	sarb	sarb	NOUN
ahmr-864	178	31	,	,	PUNCT
ahmr-864	178	32	2006	2006	NUM
ahmr-864	178	33	)	)	PUNCT
ahmr-864	178	34	.	.	PUNCT
ahmr-864	179	1	the	the	DET
ahmr-864	179	2	efficiency	efficiency	NOUN
ahmr-864	179	3	,	,	PUNCT
ahmr-864	179	4	as	as	ADV
ahmr-864	179	5	well	well	ADV
ahmr-864	179	6	as	as	ADP
ahmr-864	179	7	safety	safety	NOUN
ahmr-864	179	8	,	,	PUNCT
ahmr-864	179	9	of	of	ADP
ahmr-864	179	10	an	an	DET
ahmr-864	179	11	nps	nps	PROPN
ahmr-864	179	12	plays	play	VERB
ahmr-864	179	13	a	a	DET
ahmr-864	179	14	crucial	crucial	ADJ
ahmr-864	179	15	part	part	NOUN
ahmr-864	179	16	in	in	ADP
ahmr-864	179	17	ensuring	ensure	VERB
ahmr-864	179	18	overall	overall	ADJ
ahmr-864	179	19	stability	stability	NOUN
ahmr-864	179	20	of	of	ADP
ahmr-864	179	21	the	the	DET
ahmr-864	179	22	country	country	NOUN
ahmr-864	179	23	’s	’s	PART
ahmr-864	179	24	financial	financial	ADJ
ahmr-864	179	25	sector	sector	NOUN
ahmr-864	179	26	(	(	PUNCT
ahmr-864	179	27	sarb	sarb	NOUN
ahmr-864	179	28	,	,	PUNCT
ahmr-864	179	29	2008	2008	NUM
ahmr-864	179	30	)	)	PUNCT
ahmr-864	179	31	.	.	PUNCT
ahmr-864	180	1	it	it	PRON
ahmr-864	180	2	is	be	AUX
ahmr-864	180	3	therefore	therefore	ADV
ahmr-864	180	4	necessary	necessary	ADJ
ahmr-864	180	5	for	for	SCONJ
ahmr-864	180	6	some	some	DET
ahmr-864	180	7	form	form	NOUN
ahmr-864	180	8	of	of	ADP
ahmr-864	180	9	oversight	oversight	NOUN
ahmr-864	180	10	to	to	PART
ahmr-864	180	11	be	be	AUX
ahmr-864	180	12	put	put	VERB
ahmr-864	180	13	in	in	ADP
ahmr-864	180	14	place	place	NOUN
ahmr-864	180	15	.	.	PUNCT
ahmr-864	181	1	in	in	ADP
ahmr-864	181	2	south	south	PROPN
ahmr-864	181	3	africa	africa	PROPN
ahmr-864	181	4	,	,	PUNCT
ahmr-864	181	5	the	the	DET
ahmr-864	181	6	south	south	ADJ
ahmr-864	181	7	african	african	PROPN
ahmr-864	181	8	reserve	reserve	PROPN
ahmr-864	181	9	bank	bank	PROPN
ahmr-864	181	10	act	act	PROPN
ahmr-864	181	11	(	(	PUNCT
ahmr-864	181	12	sarb	sarb	NOUN
ahmr-864	181	13	,	,	PUNCT
ahmr-864	181	14	1989	1989	NUM
ahmr-864	181	15	)	)	PUNCT
ahmr-864	181	16	provides	provide	VERB
ahmr-864	181	17	for	for	ADP
ahmr-864	181	18	such	such	ADJ
ahmr-864	181	19	oversight	oversight	NOUN
ahmr-864	181	20	.	.	PUNCT
ahmr-864	182	1	this	this	DET
ahmr-864	182	2	act	act	NOUN
ahmr-864	182	3	was	be	AUX
ahmr-864	182	4	59	59	NUM
ahmr-864	182	5	amended	amend	VERB
ahmr-864	182	6	in	in	ADP
ahmr-864	182	7	1996	1996	NUM
ahmr-864	182	8	in	in	ADP
ahmr-864	182	9	order	order	NOUN
ahmr-864	182	10	to	to	PART
ahmr-864	182	11	clarify	clarify	VERB
ahmr-864	182	12	the	the	DET
ahmr-864	182	13	role	role	NOUN
ahmr-864	182	14	of	of	ADP
ahmr-864	182	15	the	the	DET
ahmr-864	182	16	sarb	sarb	PROPN
ahmr-864	182	17	in	in	ADP
ahmr-864	182	18	regard	regard	NOUN
ahmr-864	182	19	to	to	ADP
ahmr-864	182	20	the	the	DET
ahmr-864	182	21	national	national	ADJ
ahmr-864	182	22	payment	payment	NOUN
ahmr-864	182	23	system	system	NOUN
ahmr-864	182	24	.	.	PUNCT
ahmr-864	183	1	section	section	NOUN
ahmr-864	183	2	10(1)(c	10(1)(c	NUM
ahmr-864	183	3	)	)	PUNCT
ahmr-864	183	4	of	of	ADP
ahmr-864	183	5	the	the	DET
ahmr-864	183	6	act	act	NOUN
ahmr-864	183	7	expressly	expressly	ADV
ahmr-864	183	8	empowers	empower	VERB
ahmr-864	183	9	the	the	DET
ahmr-864	183	10	sarb	sarb	PROPN
ahmr-864	183	11	to	to	ADP
ahmr-864	183	12	,	,	PUNCT
ahmr-864	183	13	inter	inter	PROPN
ahmr-864	183	14	alia	alia	NOUN
ahmr-864	183	15	,	,	PUNCT
ahmr-864	183	16	perform	perform	VERB
ahmr-864	183	17	functions	function	NOUN
ahmr-864	183	18	that	that	PRON
ahmr-864	183	19	allow	allow	VERB
ahmr-864	183	20	it	it	PRON
ahmr-864	183	21	to	to	PART
ahmr-864	183	22	regulate	regulate	VERB
ahmr-864	183	23	as	as	ADV
ahmr-864	183	24	well	well	ADV
ahmr-864	183	25	as	as	ADP
ahmr-864	183	26	oversee	oversee	VERB
ahmr-864	183	27	the	the	DET
ahmr-864	183	28	payment	payment	NOUN
ahmr-864	183	29	system	system	NOUN
ahmr-864	183	30	.	.	PUNCT
ahmr-864	184	1	in	in	ADP
ahmr-864	184	2	turn	turn	NOUN
ahmr-864	184	3	,	,	PUNCT
ahmr-864	184	4	the	the	DET
ahmr-864	184	5	sarb	sarb	PROPN
ahmr-864	184	6	has	have	AUX
ahmr-864	184	7	established	establish	VERB
ahmr-864	184	8	a	a	DET
ahmr-864	184	9	national	national	ADJ
ahmr-864	184	10	payment	payment	NOUN
ahmr-864	184	11	system	system	NOUN
ahmr-864	184	12	department	department	NOUN
ahmr-864	184	13	which	which	PRON
ahmr-864	184	14	bears	bear	VERB
ahmr-864	184	15	the	the	DET
ahmr-864	184	16	responsibility	responsibility	NOUN
ahmr-864	184	17	of	of	ADP
ahmr-864	184	18	overseeing	oversee	VERB
ahmr-864	184	19	the	the	DET
ahmr-864	184	20	nps	nps	PROPN
ahmr-864	184	21	.	.	PUNCT
ahmr-864	185	1	the	the	DET
ahmr-864	185	2	bis	bis	PROPN
ahmr-864	185	3	has	have	AUX
ahmr-864	185	4	defined	define	VERB
ahmr-864	185	5	the	the	DET
ahmr-864	185	6	function	function	NOUN
ahmr-864	185	7	of	of	ADP
ahmr-864	185	8	overseeing	oversee	VERB
ahmr-864	185	9	the	the	DET
ahmr-864	185	10	nps	nps	PROPN
ahmr-864	185	11	as	as	ADP
ahmr-864	185	12	being	be	AUX
ahmr-864	185	13	:	:	PUNCT
ahmr-864	186	1	[	[	X
ahmr-864	186	2	a	a	X
ahmr-864	186	3	]	]	X
ahmr-864	186	4	central	central	ADJ
ahmr-864	186	5	bank	bank	PROPN
ahmr-864	186	6	task	task	NOUN
ahmr-864	186	7	,	,	PUNCT
ahmr-864	186	8	principally	principally	ADV
ahmr-864	186	9	intended	intend	VERB
ahmr-864	186	10	to	to	PART
ahmr-864	186	11	protect	protect	VERB
ahmr-864	186	12	the	the	DET
ahmr-864	186	13	smooth	smooth	ADJ
ahmr-864	186	14	functioning	functioning	NOUN
ahmr-864	186	15	of	of	ADP
ahmr-864	186	16	a	a	DET
ahmr-864	186	17	payment	payment	NOUN
ahmr-864	186	18	system	system	NOUN
ahmr-864	186	19	and	and	CCONJ
ahmr-864	186	20	to	to	PART
ahmr-864	186	21	protect	protect	VERB
ahmr-864	186	22	the	the	DET
ahmr-864	186	23	financial	financial	ADJ
ahmr-864	186	24	system	system	NOUN
ahmr-864	186	25	from	from	ADP
ahmr-864	186	26	possible	possible	ADJ
ahmr-864	186	27	‘	'	PUNCT
ahmr-864	186	28	domino	domino	NOUN
ahmr-864	186	29	effects	effect	NOUN
ahmr-864	186	30	’	'	PUNCT
ahmr-864	186	31	which	which	PRON
ahmr-864	186	32	may	may	AUX
ahmr-864	186	33	occur	occur	VERB
ahmr-864	186	34	when	when	SCONJ
ahmr-864	186	35	one	one	NUM
ahmr-864	186	36	or	or	CCONJ
ahmr-864	186	37	more	more	ADJ
ahmr-864	186	38	participants	participant	NOUN
ahmr-864	186	39	in	in	ADP
ahmr-864	186	40	the	the	DET
ahmr-864	186	41	payment	payment	NOUN
ahmr-864	186	42	system	system	NOUN
ahmr-864	186	43	incur	incur	NOUN
ahmr-864	186	44	credit	credit	NOUN
ahmr-864	186	45	risk	risk	NOUN
ahmr-864	186	46	or	or	CCONJ
ahmr-864	186	47	liquidity	liquidity	NOUN
ahmr-864	186	48	risk	risk	NOUN
ahmr-864	186	49	(	(	PUNCT
ahmr-864	186	50	bis	bis	INTJ
ahmr-864	186	51	,	,	PUNCT
ahmr-864	186	52	1999	1999	NUM
ahmr-864	186	53	:	:	PUNCT
ahmr-864	186	54	37	37	NUM
ahmr-864	186	55	)	)	PUNCT
ahmr-864	186	56	.	.	PUNCT
ahmr-864	187	1	the	the	DET
ahmr-864	187	2	bis	bis	ADJ
ahmr-864	187	3	definition	definition	NOUN
ahmr-864	187	4	of	of	ADP
ahmr-864	187	5	‘	'	PUNCT
ahmr-864	187	6	oversight	oversight	NOUN
ahmr-864	187	7	’	'	PUNCT
ahmr-864	187	8	gives	give	VERB
ahmr-864	187	9	a	a	DET
ahmr-864	187	10	notion	notion	NOUN
ahmr-864	187	11	of	of	ADP
ahmr-864	187	12	why	why	SCONJ
ahmr-864	187	13	it	it	PRON
ahmr-864	187	14	is	be	AUX
ahmr-864	187	15	necessary	necessary	ADJ
ahmr-864	187	16	for	for	SCONJ
ahmr-864	187	17	an	an	DET
ahmr-864	187	18	nps	nps	PROPN
ahmr-864	187	19	to	to	PART
ahmr-864	187	20	be	be	AUX
ahmr-864	187	21	overseen	oversee	VERB
ahmr-864	187	22	.	.	PUNCT
ahmr-864	188	1	payment	payment	NOUN
ahmr-864	188	2	systems	system	NOUN
ahmr-864	188	3	are	be	AUX
ahmr-864	188	4	subject	subject	ADJ
ahmr-864	188	5	to	to	ADP
ahmr-864	188	6	a	a	DET
ahmr-864	188	7	number	number	NOUN
ahmr-864	188	8	of	of	ADP
ahmr-864	188	9	risks	risk	NOUN
ahmr-864	188	10	.	.	PUNCT
ahmr-864	189	1	these	these	PRON
ahmr-864	189	2	include	include	VERB
ahmr-864	189	3	:	:	PUNCT
ahmr-864	189	4	credit	credit	NOUN
ahmr-864	189	5	risks	risk	NOUN
ahmr-864	189	6	–	–	PUNCT
ahmr-864	189	7	when	when	SCONJ
ahmr-864	189	8	a	a	DET
ahmr-864	189	9	participant	participant	NOUN
ahmr-864	189	10	will	will	AUX
ahmr-864	189	11	not	not	PART
ahmr-864	189	12	be	be	AUX
ahmr-864	189	13	able	able	ADJ
ahmr-864	189	14	to	to	PART
ahmr-864	189	15	fully	fully	ADV
ahmr-864	189	16	meet	meet	VERB
ahmr-864	189	17	its	its	PRON
ahmr-864	189	18	financial	financial	ADJ
ahmr-864	189	19	obligations	obligation	NOUN
ahmr-864	189	20	within	within	ADP
ahmr-864	189	21	the	the	DET
ahmr-864	189	22	system	system	NOUN
ahmr-864	189	23	;	;	PUNCT
ahmr-864	189	24	liquidity	liquidity	NOUN
ahmr-864	189	25	risks	risk	NOUN
ahmr-864	189	26	–	–	PUNCT
ahmr-864	189	27	when	when	SCONJ
ahmr-864	189	28	a	a	DET
ahmr-864	189	29	participant	participant	NOUN
ahmr-864	189	30	within	within	ADP
ahmr-864	189	31	the	the	DET
ahmr-864	189	32	system	system	NOUN
ahmr-864	189	33	will	will	AUX
ahmr-864	189	34	have	have	VERB
ahmr-864	189	35	insufficient	insufficient	ADJ
ahmr-864	189	36	funds	fund	NOUN
ahmr-864	189	37	to	to	PART
ahmr-864	189	38	fulfil	fulfil	VERB
ahmr-864	189	39	financial	financial	ADJ
ahmr-864	189	40	obligations	obligation	NOUN
ahmr-864	189	41	within	within	ADP
ahmr-864	189	42	the	the	DET
ahmr-864	189	43	system	system	NOUN
ahmr-864	189	44	as	as	ADP
ahmr-864	189	45	,	,	PUNCT
ahmr-864	189	46	and	and	CCONJ
ahmr-864	189	47	when	when	SCONJ
ahmr-864	189	48	,	,	PUNCT
ahmr-864	189	49	they	they	PRON
ahmr-864	189	50	become	become	VERB
ahmr-864	189	51	due	due	ADJ
ahmr-864	189	52	;	;	PUNCT
ahmr-864	189	53	legal	legal	ADJ
ahmr-864	189	54	risks	risk	NOUN
ahmr-864	189	55	–	–	PUNCT
ahmr-864	189	56	when	when	SCONJ
ahmr-864	189	57	a	a	DET
ahmr-864	189	58	poor	poor	ADJ
ahmr-864	189	59	legal	legal	ADJ
ahmr-864	189	60	framework	framework	NOUN
ahmr-864	189	61	will	will	AUX
ahmr-864	189	62	cause	cause	VERB
ahmr-864	189	63	or	or	CCONJ
ahmr-864	189	64	exacerbate	exacerbate	VERB
ahmr-864	189	65	credit	credit	NOUN
ahmr-864	189	66	or	or	CCONJ
ahmr-864	189	67	liquidity	liquidity	NOUN
ahmr-864	189	68	risks	risk	NOUN
ahmr-864	189	69	;	;	PUNCT
ahmr-864	189	70	and	and	CCONJ
ahmr-864	189	71	operational	operational	ADJ
ahmr-864	189	72	risks	risk	NOUN
ahmr-864	189	73	–	–	PUNCT
ahmr-864	189	74	when	when	SCONJ
ahmr-864	189	75	operational	operational	ADJ
ahmr-864	189	76	factors	factor	NOUN
ahmr-864	189	77	such	such	ADJ
ahmr-864	189	78	as	as	ADP
ahmr-864	189	79	technical	technical	ADJ
ahmr-864	189	80	malfunctions	malfunction	NOUN
ahmr-864	189	81	or	or	CCONJ
ahmr-864	189	82	operational	operational	ADJ
ahmr-864	189	83	mistakes	mistake	NOUN
ahmr-864	189	84	will	will	AUX
ahmr-864	189	85	cause	cause	VERB
ahmr-864	189	86	or	or	CCONJ
ahmr-864	189	87	exacerbate	exacerbate	VERB
ahmr-864	189	88	credit	credit	NOUN
ahmr-864	189	89	or	or	CCONJ
ahmr-864	189	90	liquidity	liquidity	NOUN
ahmr-864	189	91	risks	risk	NOUN
ahmr-864	189	92	.	.	PUNCT
ahmr-864	190	1	a	a	DET
ahmr-864	190	2	participant	participant	NOUN
ahmr-864	190	3	who	who	PRON
ahmr-864	190	4	incurs	incur	VERB
ahmr-864	190	5	either	either	CCONJ
ahmr-864	190	6	credit	credit	NOUN
ahmr-864	190	7	or	or	CCONJ
ahmr-864	190	8	liquidity	liquidity	NOUN
ahmr-864	190	9	risks	risk	NOUN
ahmr-864	190	10	,	,	PUNCT
ahmr-864	190	11	may	may	AUX
ahmr-864	190	12	compromise	compromise	VERB
ahmr-864	190	13	other	other	ADJ
ahmr-864	190	14	system	system	NOUN
ahmr-864	190	15	participants	participant	NOUN
ahmr-864	190	16	’	'	PUNCT
ahmr-864	190	17	capacity	capacity	NOUN
ahmr-864	190	18	,	,	PUNCT
ahmr-864	190	19	or	or	CCONJ
ahmr-864	190	20	financial	financial	ADJ
ahmr-864	190	21	institutions	institution	NOUN
ahmr-864	190	22	in	in	ADP
ahmr-864	190	23	other	other	ADJ
ahmr-864	190	24	parts	part	NOUN
ahmr-864	190	25	of	of	ADP
ahmr-864	190	26	the	the	DET
ahmr-864	190	27	financial	financial	ADJ
ahmr-864	190	28	system	system	NOUN
ahmr-864	190	29	,	,	PUNCT
ahmr-864	190	30	to	to	PART
ahmr-864	190	31	fulfil	fulfil	VERB
ahmr-864	190	32	their	their	PRON
ahmr-864	190	33	financial	financial	ADJ
ahmr-864	190	34	obligations	obligation	NOUN
ahmr-864	190	35	as	as	SCONJ
ahmr-864	190	36	they	they	PRON
ahmr-864	190	37	become	become	VERB
ahmr-864	190	38	due	due	ADJ
ahmr-864	190	39	;	;	PUNCT
ahmr-864	190	40	hence	hence	ADV
ahmr-864	190	41	the	the	DET
ahmr-864	190	42	need	need	NOUN
ahmr-864	190	43	for	for	ADP
ahmr-864	190	44	oversight	oversight	NOUN
ahmr-864	190	45	to	to	PART
ahmr-864	190	46	prevent	prevent	VERB
ahmr-864	190	47	this	this	DET
ahmr-864	190	48	potential	potential	ADJ
ahmr-864	190	49	‘	'	PUNCT
ahmr-864	190	50	domino	domino	NOUN
ahmr-864	190	51	effect	effect	NOUN
ahmr-864	190	52	’	'	PUNCT
ahmr-864	190	53	.	.	PUNCT
ahmr-864	191	1	the	the	DET
ahmr-864	191	2	risk	risk	NOUN
ahmr-864	191	3	of	of	ADP
ahmr-864	191	4	detrimental	detrimental	ADJ
ahmr-864	191	5	effects	effect	NOUN
ahmr-864	191	6	being	be	AUX
ahmr-864	191	7	imposed	impose	VERB
ahmr-864	191	8	on	on	ADP
ahmr-864	191	9	other	other	ADJ
ahmr-864	191	10	participants	participant	NOUN
ahmr-864	191	11	due	due	ADJ
ahmr-864	191	12	to	to	ADP
ahmr-864	191	13	,	,	PUNCT
ahmr-864	191	14	amongst	amongst	ADP
ahmr-864	191	15	others	other	NOUN
ahmr-864	191	16	,	,	PUNCT
ahmr-864	191	17	credit	credit	NOUN
ahmr-864	191	18	or	or	CCONJ
ahmr-864	191	19	liquidity	liquidity	NOUN
ahmr-864	191	20	problems	problem	NOUN
ahmr-864	191	21	faced	face	VERB
ahmr-864	191	22	by	by	ADP
ahmr-864	191	23	another	another	DET
ahmr-864	191	24	participant	participant	NOUN
ahmr-864	191	25	in	in	ADP
ahmr-864	191	26	the	the	DET
ahmr-864	191	27	system	system	NOUN
ahmr-864	191	28	,	,	PUNCT
ahmr-864	191	29	is	be	AUX
ahmr-864	191	30	known	know	VERB
ahmr-864	191	31	as	as	ADP
ahmr-864	191	32	systemic	systemic	ADJ
ahmr-864	191	33	risk	risk	NOUN
ahmr-864	191	34	,	,	PUNCT
ahmr-864	191	35	as	as	SCONJ
ahmr-864	191	36	outlined	outline	VERB
ahmr-864	191	37	in	in	ADP
ahmr-864	191	38	section	section	NOUN
ahmr-864	191	39	12(1	12(1	PROPN
ahmr-864	191	40	)	)	PUNCT
ahmr-864	191	41	of	of	ADP
ahmr-864	191	42	the	the	DET
ahmr-864	191	43	nps	nps	PROPN
ahmr-864	191	44	act	act	PROPN
ahmr-864	191	45	(	(	PUNCT
ahmr-864	191	46	see	see	VERB
ahmr-864	191	47	rsa	rsa	PROPN
ahmr-864	191	48	,	,	PUNCT
ahmr-864	191	49	1998	1998	NUM
ahmr-864	191	50	,	,	PUNCT
ahmr-864	191	51	and	and	CCONJ
ahmr-864	191	52	also	also	ADV
ahmr-864	191	53	cpss	cpss	PROPN
ahmr-864	191	54	,	,	PUNCT
ahmr-864	191	55	2005	2005	NUM
ahmr-864	191	56	:	:	PUNCT
ahmr-864	191	57	48	48	NUM
ahmr-864	191	58	)	)	PUNCT
ahmr-864	191	59	.	.	PUNCT
ahmr-864	192	1	it	it	PRON
ahmr-864	192	2	is	be	AUX
ahmr-864	192	3	submitted	submit	VERB
ahmr-864	192	4	that	that	SCONJ
ahmr-864	192	5	the	the	DET
ahmr-864	192	6	potential	potential	ADJ
ahmr-864	192	7	threat	threat	NOUN
ahmr-864	192	8	of	of	ADP
ahmr-864	192	9	systemic	systemic	ADJ
ahmr-864	192	10	failure	failure	NOUN
ahmr-864	192	11	makes	make	VERB
ahmr-864	192	12	it	it	PRON
ahmr-864	192	13	necessary	necessary	ADJ
ahmr-864	192	14	to	to	PART
ahmr-864	192	15	control	control	VERB
ahmr-864	192	16	access	access	NOUN
ahmr-864	192	17	to	to	ADP
ahmr-864	192	18	the	the	DET
ahmr-864	192	19	nps	nps	PROPN
ahmr-864	192	20	,	,	PUNCT
ahmr-864	192	21	as	as	ADV
ahmr-864	192	22	well	well	ADV
ahmr-864	192	23	as	as	ADP
ahmr-864	192	24	to	to	PART
ahmr-864	192	25	monitor	monitor	VERB
ahmr-864	192	26	the	the	DET
ahmr-864	192	27	activities	activity	NOUN
ahmr-864	192	28	of	of	ADP
ahmr-864	192	29	participants	participant	NOUN
ahmr-864	192	30	.	.	PUNCT
ahmr-864	193	1	remittances	remittance	NOUN
ahmr-864	193	2	,	,	PUNCT
ahmr-864	193	3	as	as	SCONJ
ahmr-864	193	4	stated	state	VERB
ahmr-864	193	5	by	by	ADP
ahmr-864	193	6	bester	bester	PROPN
ahmr-864	193	7	et	et	PROPN
ahmr-864	193	8	al	al	PROPN
ahmr-864	193	9	.	.	PUNCT
ahmr-864	194	1	(	(	PUNCT
ahmr-864	194	2	2010	2010	NUM
ahmr-864	194	3	:	:	PUNCT
ahmr-864	194	4	2	2	NUM
ahmr-864	194	5	)	)	PUNCT
ahmr-864	194	6	,	,	PUNCT
ahmr-864	194	7	are	be	AUX
ahmr-864	194	8	a	a	DET
ahmr-864	194	9	payment	payment	NOUN
ahmr-864	194	10	system	system	NOUN
ahmr-864	194	11	phenomenon	phenomenon	NOUN
ahmr-864	194	12	.	.	PUNCT
ahmr-864	195	1	providers	provider	NOUN
ahmr-864	195	2	of	of	ADP
ahmr-864	195	3	remittance	remittance	NOUN
ahmr-864	195	4	services	service	NOUN
ahmr-864	195	5	fall	fall	VERB
ahmr-864	195	6	within	within	ADP
ahmr-864	195	7	the	the	DET
ahmr-864	195	8	payment	payment	NOUN
ahmr-864	195	9	system	system	NOUN
ahmr-864	195	10	,	,	PUNCT
ahmr-864	195	11	albeit	albeit	SCONJ
ahmr-864	195	12	at	at	ADP
ahmr-864	195	13	a	a	DET
ahmr-864	195	14	lower	low	ADJ
ahmr-864	195	15	level	level	NOUN
ahmr-864	195	16	of	of	ADP
ahmr-864	195	17	the	the	DET
ahmr-864	195	18	entire	entire	ADJ
ahmr-864	195	19	system	system	NOUN
ahmr-864	195	20	or	or	CCONJ
ahmr-864	195	21	the	the	DET
ahmr-864	195	22	‘	'	PUNCT
ahmr-864	195	23	outer	outer	ADJ
ahmr-864	195	24	layer	layer	NOUN
ahmr-864	195	25	’	'	PUNCT
ahmr-864	195	26	,	,	PUNCT
ahmr-864	195	27	as	as	SCONJ
ahmr-864	195	28	the	the	DET
ahmr-864	195	29	author	author	NOUN
ahmr-864	195	30	previously	previously	ADV
ahmr-864	195	31	described	describe	VERB
ahmr-864	195	32	the	the	DET
ahmr-864	195	33	layers	layer	NOUN
ahmr-864	195	34	of	of	ADP
ahmr-864	195	35	the	the	DET
ahmr-864	195	36	nps	nps	PROPN
ahmr-864	195	37	(	(	PUNCT
ahmr-864	195	38	lawack	lawack	NOUN
ahmr-864	195	39	-	-	PUNCT
ahmr-864	195	40	davids	davids	PROPN
ahmr-864	195	41	,	,	PUNCT
ahmr-864	195	42	2008	2008	NUM
ahmr-864	195	43	)	)	PUNCT
ahmr-864	195	44	.	.	PUNCT
ahmr-864	196	1	remittance	remittance	NOUN
ahmr-864	196	2	transactions	transaction	NOUN
ahmr-864	196	3	can	can	AUX
ahmr-864	196	4	be	be	AUX
ahmr-864	196	5	categorized	categorize	VERB
ahmr-864	196	6	within	within	ADP
ahmr-864	196	7	the	the	DET
ahmr-864	196	8	retail	retail	ADJ
ahmr-864	196	9	payment	payment	NOUN
ahmr-864	196	10	system	system	NOUN
ahmr-864	196	11	of	of	ADP
ahmr-864	196	12	the	the	DET
ahmr-864	196	13	nps	nps	PROPN
ahmr-864	196	14	.	.	PUNCT
ahmr-864	197	1	the	the	DET
ahmr-864	197	2	latter	latter	ADJ
ahmr-864	197	3	systems	system	NOUN
ahmr-864	197	4	primarily	primarily	ADV
ahmr-864	197	5	deal	deal	VERB
ahmr-864	197	6	with	with	ADP
ahmr-864	197	7	consumer	consumer	NOUN
ahmr-864	197	8	payments	payment	NOUN
ahmr-864	197	9	of	of	ADP
ahmr-864	197	10	relatively	relatively	ADV
ahmr-864	197	11	low	low	ADJ
ahmr-864	197	12	value	value	NOUN
ahmr-864	197	13	and	and	CCONJ
ahmr-864	197	14	,	,	PUNCT
ahmr-864	197	15	in	in	ADP
ahmr-864	197	16	contrast	contrast	NOUN
ahmr-864	197	17	to	to	ADP
ahmr-864	197	18	systematically	systematically	ADV
ahmr-864	197	19	important	important	ADJ
ahmr-864	197	20	payment	payment	NOUN
ahmr-864	197	21	systems	system	NOUN
ahmr-864	197	22	,	,	PUNCT
ahmr-864	197	23	are	be	AUX
ahmr-864	197	24	generally	generally	ADV
ahmr-864	197	25	not	not	PART
ahmr-864	197	26	viewed	view	VERB
ahmr-864	197	27	as	as	ADP
ahmr-864	197	28	being	be	AUX
ahmr-864	197	29	a	a	DET
ahmr-864	197	30	threat	threat	NOUN
ahmr-864	197	31	to	to	ADP
ahmr-864	197	32	systemic	systemic	ADJ
ahmr-864	197	33	stability	stability	NOUN
ahmr-864	197	34	.	.	PUNCT
ahmr-864	198	1	these	these	DET
ahmr-864	198	2	systemically	systemically	ADV
ahmr-864	198	3	important	important	ADJ
ahmr-864	198	4	payment	payment	NOUN
ahmr-864	198	5	systems	system	NOUN
ahmr-864	198	6	service	service	NOUN
ahmr-864	198	7	participants	participant	NOUN
ahmr-864	198	8	with	with	ADP
ahmr-864	198	9	high	high	ADJ
ahmr-864	198	10	value	value	NOUN
ahmr-864	198	11	transactions	transaction	NOUN
ahmr-864	198	12	and	and	CCONJ
ahmr-864	198	13	can	can	AUX
ahmr-864	198	14	,	,	PUNCT
ahmr-864	198	15	in	in	ADP
ahmr-864	198	16	the	the	DET
ahmr-864	198	17	event	event	NOUN
ahmr-864	198	18	of	of	ADP
ahmr-864	198	19	risk	risk	NOUN
ahmr-864	198	20	exposure	exposure	NOUN
ahmr-864	198	21	,	,	PUNCT
ahmr-864	198	22	trigger	trigger	NOUN
ahmr-864	198	23	systematic	systematic	ADJ
ahmr-864	198	24	disruptions	disruption	NOUN
ahmr-864	198	25	amongst	amongst	ADP
ahmr-864	198	26	other	other	ADJ
ahmr-864	198	27	system	system	NOUN
ahmr-864	198	28	participants	participant	NOUN
ahmr-864	198	29	or	or	CCONJ
ahmr-864	198	30	financial	financial	ADJ
ahmr-864	198	31	institutions	institution	NOUN
ahmr-864	198	32	in	in	ADP
ahmr-864	198	33	other	other	ADJ
ahmr-864	198	34	financial	financial	ADJ
ahmr-864	198	35	areas	area	NOUN
ahmr-864	198	36	(	(	PUNCT
ahmr-864	198	37	see	see	VERB
ahmr-864	198	38	cpss	cpss	PROPN
ahmr-864	198	39	,	,	PUNCT
ahmr-864	198	40	2005	2005	NUM
ahmr-864	198	41	:	:	PUNCT
ahmr-864	198	42	5	5	NUM
ahmr-864	198	43	;	;	PUNCT
ahmr-864	198	44	cpss	cpss	PROPN
ahmr-864	198	45	,	,	PUNCT
ahmr-864	198	46	2003	2003	NUM
ahmr-864	198	47	:	:	PUNCT
ahmr-864	198	48	48	48	NUM
ahmr-864	198	49	;	;	PUNCT
ahmr-864	198	50	competition	competition	NOUN
ahmr-864	198	51	commission	commission	NOUN
ahmr-864	198	52	,	,	PUNCT
ahmr-864	198	53	2006	2006	NUM
ahmr-864	198	54	)	)	PUNCT
ahmr-864	198	55	.	.	PUNCT
ahmr-864	199	1	the	the	DET
ahmr-864	199	2	bis	bis	ADJ
ahmr-864	199	3	and	and	CCONJ
ahmr-864	199	4	world	world	PROPN
ahmr-864	199	5	bank	bank	PROPN
ahmr-864	199	6	have	have	AUX
ahmr-864	199	7	stated	state	VERB
ahmr-864	199	8	that	that	SCONJ
ahmr-864	199	9	,	,	PUNCT
ahmr-864	199	10	taking	take	VERB
ahmr-864	199	11	into	into	ADP
ahmr-864	199	12	account	account	NOUN
ahmr-864	199	13	that	that	SCONJ
ahmr-864	199	14	remittances	remittance	NOUN
ahmr-864	199	15	are	be	AUX
ahmr-864	199	16	low	low	ADJ
ahmr-864	199	17	value	value	NOUN
ahmr-864	199	18	payments	payment	NOUN
ahmr-864	199	19	,	,	PUNCT
ahmr-864	199	20	credit	credit	NOUN
ahmr-864	199	21	or	or	CCONJ
ahmr-864	199	22	liquidity	liquidity	NOUN
ahmr-864	199	23	failure	failure	NOUN
ahmr-864	199	24	by	by	ADP
ahmr-864	199	25	an	an	DET
ahmr-864	199	26	rsp	rsp	NOUN
ahmr-864	199	27	is	be	AUX
ahmr-864	199	28	unlikely	unlikely	ADJ
ahmr-864	199	29	to	to	PART
ahmr-864	199	30	cause	cause	VERB
ahmr-864	199	31	towards	towards	ADP
ahmr-864	199	32	a	a	DET
ahmr-864	199	33	legal	legal	ADJ
ahmr-864	199	34	and	and	CCONJ
ahmr-864	199	35	regulatory	regulatory	ADJ
ahmr-864	199	36	framework	framework	NOUN
ahmr-864	199	37	for	for	ADP
ahmr-864	199	38	south	south	ADJ
ahmr-864	199	39	african	african	ADJ
ahmr-864	199	40	domestic	domestic	ADJ
ahmr-864	199	41	remittances	remittance	NOUN
ahmr-864	199	42	60	60	NUM
ahmr-864	199	43	ahmr	ahmr	NOUN
ahmr-864	199	44	african	african	PROPN
ahmr-864	199	45	human	human	PROPN
ahmr-864	199	46	mobilty	mobilty	PROPN
ahmr-864	199	47	review	review	NOUN
ahmr-864	199	48	volume	volume	NOUN
ahmr-864	199	49	7	7	NUM
ahmr-864	199	50	no	no	DET
ahmr-864	199	51	1	1	NUM
ahmr-864	199	52	,	,	PUNCT
ahmr-864	199	53	jan	jan	NOUN
ahmr-864	199	54	-	-	PUNCT
ahmr-864	199	55	apr	apr	NOUN
ahmr-864	199	56	2021	2021	NUM
ahmr-864	199	57	systemic	systemic	ADJ
ahmr-864	199	58	risk	risk	NOUN
ahmr-864	199	59	in	in	ADP
ahmr-864	199	60	the	the	DET
ahmr-864	199	61	nps	nps	PROPN
ahmr-864	199	62	(	(	PUNCT
ahmr-864	199	63	cpss	cpss	PROPN
ahmr-864	199	64	,	,	PUNCT
ahmr-864	199	65	2005	2005	NUM
ahmr-864	199	66	:	:	PUNCT
ahmr-864	199	67	18	18	NUM
ahmr-864	199	68	)	)	PUNCT
ahmr-864	199	69	.	.	PUNCT
ahmr-864	200	1	the	the	DET
ahmr-864	200	2	sarb	sarb	PROPN
ahmr-864	200	3	has	have	AUX
ahmr-864	200	4	,	,	PUNCT
ahmr-864	200	5	however	however	ADV
ahmr-864	200	6	,	,	PUNCT
ahmr-864	200	7	stated	state	VERB
ahmr-864	200	8	that	that	SCONJ
ahmr-864	200	9	retail	retail	ADJ
ahmr-864	200	10	payment	payment	NOUN
ahmr-864	200	11	systems	system	NOUN
ahmr-864	200	12	can	can	AUX
ahmr-864	200	13	collectively	collectively	ADV
ahmr-864	200	14	form	form	VERB
ahmr-864	200	15	a	a	DET
ahmr-864	200	16	systematically	systematically	ADV
ahmr-864	200	17	important	important	ADJ
ahmr-864	200	18	payment	payment	NOUN
ahmr-864	200	19	system	system	NOUN
ahmr-864	200	20	(	(	PUNCT
ahmr-864	200	21	sarb	sarb	NOUN
ahmr-864	200	22	,	,	PUNCT
ahmr-864	200	23	2008	2008	NUM
ahmr-864	200	24	:	:	PUNCT
ahmr-864	200	25	15	15	NUM
ahmr-864	200	26	)	)	PUNCT
ahmr-864	200	27	.	.	PUNCT
ahmr-864	201	1	taking	take	VERB
ahmr-864	201	2	the	the	DET
ahmr-864	201	3	latter	latter	ADJ
ahmr-864	201	4	into	into	ADP
ahmr-864	201	5	account	account	NOUN
ahmr-864	201	6	,	,	PUNCT
ahmr-864	201	7	this	this	DET
ahmr-864	201	8	paper	paper	NOUN
ahmr-864	201	9	maintains	maintain	VERB
ahmr-864	201	10	that	that	SCONJ
ahmr-864	201	11	it	it	PRON
ahmr-864	201	12	is	be	AUX
ahmr-864	201	13	necessary	necessary	ADJ
ahmr-864	201	14	for	for	SCONJ
ahmr-864	201	15	retail	retail	ADJ
ahmr-864	201	16	payment	payment	NOUN
ahmr-864	201	17	systems	system	NOUN
ahmr-864	201	18	to	to	PART
ahmr-864	201	19	be	be	AUX
ahmr-864	201	20	overseen	oversee	VERB
ahmr-864	201	21	.	.	PUNCT
ahmr-864	202	1	this	this	DET
ahmr-864	202	2	oversight	oversight	NOUN
ahmr-864	202	3	is	be	AUX
ahmr-864	202	4	also	also	ADV
ahmr-864	202	5	necessary	necessary	ADJ
ahmr-864	202	6	taking	take	VERB
ahmr-864	202	7	into	into	ADP
ahmr-864	202	8	account	account	NOUN
ahmr-864	202	9	that	that	SCONJ
ahmr-864	202	10	these	these	DET
ahmr-864	202	11	systems	system	NOUN
ahmr-864	202	12	facilitate	facilitate	VERB
ahmr-864	202	13	day	day	NOUN
ahmr-864	202	14	-	-	PUNCT
ahmr-864	202	15	to	to	ADP
ahmr-864	202	16	-	-	PUNCT
ahmr-864	202	17	day	day	NOUN
ahmr-864	202	18	consumer	consumer	NOUN
ahmr-864	202	19	transactions	transaction	NOUN
ahmr-864	202	20	and	and	CCONJ
ahmr-864	202	21	can	can	AUX
ahmr-864	202	22	,	,	PUNCT
ahmr-864	202	23	in	in	ADP
ahmr-864	202	24	the	the	DET
ahmr-864	202	25	event	event	NOUN
ahmr-864	202	26	of	of	ADP
ahmr-864	202	27	inefficiency	inefficiency	NOUN
ahmr-864	202	28	and	and	CCONJ
ahmr-864	202	29	failure	failure	NOUN
ahmr-864	202	30	,	,	PUNCT
ahmr-864	202	31	compromise	compromise	VERB
ahmr-864	202	32	public	public	ADJ
ahmr-864	202	33	confidence	confidence	NOUN
ahmr-864	202	34	in	in	ADP
ahmr-864	202	35	,	,	PUNCT
ahmr-864	202	36	as	as	ADV
ahmr-864	202	37	well	well	ADV
ahmr-864	202	38	as	as	ADP
ahmr-864	202	39	the	the	DET
ahmr-864	202	40	integrity	integrity	NOUN
ahmr-864	202	41	of	of	ADP
ahmr-864	202	42	,	,	PUNCT
ahmr-864	202	43	the	the	DET
ahmr-864	202	44	nps	nps	PROPN
ahmr-864	202	45	(	(	PUNCT
ahmr-864	202	46	competition	competition	NOUN
ahmr-864	202	47	commission	commission	NOUN
ahmr-864	202	48	,	,	PUNCT
ahmr-864	202	49	2006	2006	NUM
ahmr-864	202	50	;	;	PUNCT
ahmr-864	202	51	sarb	sarb	NOUN
ahmr-864	202	52	,	,	PUNCT
ahmr-864	202	53	2006	2006	NUM
ahmr-864	202	54	:	:	PUNCT
ahmr-864	202	55	11	11	NUM
ahmr-864	202	56	)	)	PUNCT
ahmr-864	202	57	.	.	PUNCT
ahmr-864	203	1	given	give	VERB
ahmr-864	203	2	the	the	DET
ahmr-864	203	3	above	above	ADJ
ahmr-864	203	4	,	,	PUNCT
ahmr-864	203	5	if	if	SCONJ
ahmr-864	203	6	the	the	DET
ahmr-864	203	7	sarb	sarb	NOUN
ahmr-864	203	8	oversees	oversee	VERB
ahmr-864	203	9	formal	formal	ADJ
ahmr-864	203	10	,	,	PUNCT
ahmr-864	203	11	as	as	SCONJ
ahmr-864	203	12	opposed	oppose	VERB
ahmr-864	203	13	to	to	ADP
ahmr-864	203	14	informal	informal	ADJ
ahmr-864	203	15	remittances	remittance	NOUN
ahmr-864	203	16	,	,	PUNCT
ahmr-864	203	17	it	it	PRON
ahmr-864	203	18	would	would	AUX
ahmr-864	203	19	be	be	AUX
ahmr-864	203	20	preferred	prefer	VERB
ahmr-864	203	21	that	that	SCONJ
ahmr-864	203	22	formal	formal	ADJ
ahmr-864	203	23	remittance	remittance	NOUN
ahmr-864	203	24	channels	channel	NOUN
ahmr-864	203	25	be	be	AUX
ahmr-864	203	26	used	use	VERB
ahmr-864	203	27	.	.	PUNCT
ahmr-864	204	1	as	as	SCONJ
ahmr-864	204	2	seen	see	VERB
ahmr-864	204	3	above	above	ADV
ahmr-864	204	4	,	,	PUNCT
ahmr-864	204	5	it	it	PRON
ahmr-864	204	6	is	be	AUX
ahmr-864	204	7	clear	clear	ADJ
ahmr-864	204	8	that	that	SCONJ
ahmr-864	204	9	the	the	DET
ahmr-864	204	10	preference	preference	NOUN
ahmr-864	204	11	is	be	AUX
ahmr-864	204	12	for	for	ADP
ahmr-864	204	13	informal	informal	ADJ
ahmr-864	204	14	remittance	remittance	NOUN
ahmr-864	204	15	channels	channel	NOUN
ahmr-864	204	16	.	.	PUNCT
ahmr-864	205	1	one	one	NUM
ahmr-864	205	2	therefore	therefore	ADV
ahmr-864	205	3	needs	need	VERB
ahmr-864	205	4	to	to	PART
ahmr-864	205	5	understand	understand	VERB
ahmr-864	205	6	the	the	DET
ahmr-864	205	7	factors	factor	NOUN
ahmr-864	205	8	that	that	PRON
ahmr-864	205	9	influence	influence	VERB
ahmr-864	205	10	the	the	DET
ahmr-864	205	11	use	use	NOUN
ahmr-864	205	12	of	of	ADP
ahmr-864	205	13	informal	informal	ADJ
ahmr-864	205	14	remittance	remittance	NOUN
ahmr-864	205	15	channels	channel	NOUN
ahmr-864	205	16	.	.	PUNCT
ahmr-864	206	1	the	the	DET
ahmr-864	206	2	legal	legal	ADJ
ahmr-864	206	3	and	and	CCONJ
ahmr-864	206	4	regulatory	regulatory	ADJ
ahmr-864	206	5	environment	environment	NOUN
ahmr-864	206	6	like	like	ADP
ahmr-864	206	7	most	most	ADJ
ahmr-864	206	8	financial	financial	ADJ
ahmr-864	206	9	services	service	NOUN
ahmr-864	206	10	,	,	PUNCT
ahmr-864	206	11	remittance	remittance	NOUN
ahmr-864	206	12	services	service	NOUN
ahmr-864	206	13	are	be	AUX
ahmr-864	206	14	subject	subject	ADJ
ahmr-864	206	15	to	to	ADP
ahmr-864	206	16	legislation	legislation	NOUN
ahmr-864	206	17	governing	govern	VERB
ahmr-864	206	18	anti	anti	ADJ
ahmr-864	206	19	-	-	ADJ
ahmr-864	206	20	money	money	ADJ
ahmr-864	206	21	laundering	laundering	NOUN
ahmr-864	206	22	and	and	CCONJ
ahmr-864	206	23	combating	combat	VERB
ahmr-864	206	24	financing	financing	NOUN
ahmr-864	206	25	of	of	ADP
ahmr-864	206	26	terrorism	terrorism	NOUN
ahmr-864	206	27	.	.	PUNCT
ahmr-864	207	1	these	these	DET
ahmr-864	207	2	laws	law	NOUN
ahmr-864	207	3	impose	impose	VERB
ahmr-864	207	4	obligations	obligation	NOUN
ahmr-864	207	5	to	to	PART
ahmr-864	207	6	know	know	VERB
ahmr-864	207	7	the	the	DET
ahmr-864	207	8	customer	customer	NOUN
ahmr-864	207	9	or	or	CCONJ
ahmr-864	207	10	customer	customer	NOUN
ahmr-864	207	11	due	due	ADJ
ahmr-864	207	12	diligence	diligence	NOUN
ahmr-864	207	13	,	,	PUNCT
ahmr-864	207	14	that	that	PRON
ahmr-864	207	15	require	require	VERB
ahmr-864	207	16	financial	financial	ADJ
ahmr-864	207	17	institutions	institution	NOUN
ahmr-864	207	18	to	to	PART
ahmr-864	207	19	gather	gather	VERB
ahmr-864	207	20	,	,	PUNCT
ahmr-864	207	21	what	what	PRON
ahmr-864	207	22	at	at	ADP
ahmr-864	207	23	times	time	NOUN
ahmr-864	207	24	can	can	AUX
ahmr-864	207	25	be	be	AUX
ahmr-864	207	26	extensive	extensive	ADJ
ahmr-864	207	27	,	,	PUNCT
ahmr-864	207	28	information	information	NOUN
ahmr-864	207	29	from	from	ADP
ahmr-864	207	30	their	their	PRON
ahmr-864	207	31	clients	client	NOUN
ahmr-864	207	32	as	as	ADV
ahmr-864	207	33	well	well	ADV
ahmr-864	207	34	as	as	ADP
ahmr-864	207	35	to	to	PART
ahmr-864	207	36	report	report	VERB
ahmr-864	207	37	on	on	ADP
ahmr-864	207	38	suspicious	suspicious	ADJ
ahmr-864	207	39	transactions	transaction	NOUN
ahmr-864	207	40	(	(	PUNCT
ahmr-864	207	41	cpss	cpss	NOUN
ahmr-864	207	42	,	,	PUNCT
ahmr-864	207	43	2005	2005	NUM
ahmr-864	207	44	:	:	PUNCT
ahmr-864	207	45	16	16	NUM
ahmr-864	207	46	)	)	PUNCT
ahmr-864	207	47	.	.	PUNCT
ahmr-864	208	1	these	these	DET
ahmr-864	208	2	regulatory	regulatory	ADJ
ahmr-864	208	3	requisites	requisite	NOUN
ahmr-864	208	4	may	may	AUX
ahmr-864	208	5	impose	impose	VERB
ahmr-864	208	6	compliance	compliance	NOUN
ahmr-864	208	7	costs	cost	NOUN
ahmr-864	208	8	which	which	PRON
ahmr-864	208	9	can	can	AUX
ahmr-864	208	10	have	have	VERB
ahmr-864	208	11	an	an	DET
ahmr-864	208	12	impact	impact	NOUN
ahmr-864	208	13	upon	upon	SCONJ
ahmr-864	208	14	remittance	remittance	NOUN
ahmr-864	208	15	transaction	transaction	NOUN
ahmr-864	208	16	fees	fee	NOUN
ahmr-864	208	17	.	.	PUNCT
ahmr-864	209	1	regulatory	regulatory	ADJ
ahmr-864	209	2	requirements	requirement	NOUN
ahmr-864	209	3	can	can	AUX
ahmr-864	209	4	also	also	ADV
ahmr-864	209	5	bear	bear	VERB
ahmr-864	209	6	significant	significant	ADJ
ahmr-864	209	7	implications	implication	NOUN
ahmr-864	209	8	for	for	ADP
ahmr-864	209	9	the	the	DET
ahmr-864	209	10	competition	competition	NOUN
ahmr-864	209	11	within	within	ADP
ahmr-864	209	12	the	the	DET
ahmr-864	209	13	remittance	remittance	NOUN
ahmr-864	209	14	industry	industry	NOUN
ahmr-864	209	15	,	,	PUNCT
ahmr-864	209	16	especially	especially	ADV
ahmr-864	209	17	in	in	ADP
ahmr-864	209	18	circumstances	circumstance	NOUN
ahmr-864	209	19	where	where	SCONJ
ahmr-864	209	20	rsps	rsp	NOUN
ahmr-864	209	21	are	be	AUX
ahmr-864	209	22	required	require	VERB
ahmr-864	209	23	to	to	PART
ahmr-864	209	24	be	be	AUX
ahmr-864	209	25	in	in	ADP
ahmr-864	209	26	possession	possession	NOUN
ahmr-864	209	27	of	of	ADP
ahmr-864	209	28	a	a	DET
ahmr-864	209	29	license	license	NOUN
ahmr-864	209	30	or	or	CCONJ
ahmr-864	209	31	registered	register	VERB
ahmr-864	209	32	to	to	PART
ahmr-864	209	33	provide	provide	VERB
ahmr-864	209	34	remittance	remittance	NOUN
ahmr-864	209	35	services	service	NOUN
ahmr-864	209	36	.	.	PUNCT
ahmr-864	210	1	a	a	DET
ahmr-864	210	2	potential	potential	ADJ
ahmr-864	210	3	effect	effect	NOUN
ahmr-864	210	4	of	of	ADP
ahmr-864	210	5	the	the	DET
ahmr-864	210	6	latter	latter	ADJ
ahmr-864	210	7	would	would	AUX
ahmr-864	210	8	be	be	AUX
ahmr-864	210	9	the	the	DET
ahmr-864	210	10	limitation	limitation	NOUN
ahmr-864	210	11	of	of	ADP
ahmr-864	210	12	competition	competition	NOUN
ahmr-864	210	13	within	within	ADP
ahmr-864	210	14	the	the	DET
ahmr-864	210	15	remittance	remittance	NOUN
ahmr-864	210	16	market	market	NOUN
ahmr-864	210	17	by	by	ADP
ahmr-864	210	18	excluding	exclude	VERB
ahmr-864	210	19	potential	potential	ADJ
ahmr-864	210	20	rsps	rsp	NOUN
ahmr-864	210	21	from	from	ADP
ahmr-864	210	22	entering	enter	VERB
ahmr-864	210	23	into	into	ADP
ahmr-864	210	24	the	the	DET
ahmr-864	210	25	remittance	remittance	NOUN
ahmr-864	210	26	industry	industry	NOUN
ahmr-864	210	27	.	.	PUNCT
ahmr-864	211	1	that	that	PRON
ahmr-864	211	2	would	would	AUX
ahmr-864	211	3	be	be	AUX
ahmr-864	211	4	the	the	DET
ahmr-864	211	5	more	more	ADV
ahmr-864	211	6	so	so	ADV
ahmr-864	211	7	,	,	PUNCT
ahmr-864	211	8	if	if	SCONJ
ahmr-864	211	9	the	the	DET
ahmr-864	211	10	fees	fee	NOUN
ahmr-864	211	11	for	for	ADP
ahmr-864	211	12	licensing	licensing	NOUN
ahmr-864	211	13	and	and	CCONJ
ahmr-864	211	14	registration	registration	NOUN
ahmr-864	211	15	are	be	AUX
ahmr-864	211	16	expensive	expensive	ADJ
ahmr-864	211	17	(	(	PUNCT
ahmr-864	211	18	cpss	cpss	PROPN
ahmr-864	211	19	,	,	PUNCT
ahmr-864	211	20	2005	2005	NUM
ahmr-864	211	21	:	:	PUNCT
ahmr-864	211	22	17	17	NUM
ahmr-864	211	23	)	)	PUNCT
ahmr-864	211	24	or	or	CCONJ
ahmr-864	211	25	where	where	SCONJ
ahmr-864	211	26	only	only	ADV
ahmr-864	211	27	certain	certain	ADJ
ahmr-864	211	28	financial	financial	ADJ
ahmr-864	211	29	institutions	institution	NOUN
ahmr-864	211	30	are	be	AUX
ahmr-864	211	31	awarded	award	VERB
ahmr-864	211	32	such	such	ADJ
ahmr-864	211	33	licenses	license	NOUN
ahmr-864	211	34	or	or	CCONJ
ahmr-864	211	35	are	be	AUX
ahmr-864	211	36	entitled	entitle	VERB
ahmr-864	211	37	to	to	ADP
ahmr-864	211	38	registration	registration	NOUN
ahmr-864	211	39	.	.	PUNCT
ahmr-864	212	1	economic	economic	ADJ
ahmr-864	212	2	theory	theory	NOUN
ahmr-864	212	3	suggests	suggest	VERB
ahmr-864	212	4	that	that	SCONJ
ahmr-864	212	5	the	the	DET
ahmr-864	212	6	less	less	ADV
ahmr-864	212	7	competitive	competitive	ADJ
ahmr-864	212	8	a	a	DET
ahmr-864	212	9	market	market	NOUN
ahmr-864	212	10	is	be	AUX
ahmr-864	212	11	,	,	PUNCT
ahmr-864	212	12	the	the	PRON
ahmr-864	212	13	higher	high	ADJ
ahmr-864	212	14	the	the	DET
ahmr-864	212	15	price	price	NOUN
ahmr-864	212	16	of	of	ADP
ahmr-864	212	17	products	product	NOUN
ahmr-864	212	18	and	and	CCONJ
ahmr-864	212	19	services	service	NOUN
ahmr-864	212	20	in	in	ADP
ahmr-864	212	21	the	the	DET
ahmr-864	212	22	market	market	NOUN
ahmr-864	212	23	will	will	AUX
ahmr-864	212	24	be	be	AUX
ahmr-864	212	25	(	(	PUNCT
ahmr-864	212	26	neuhoff	neuhoff	NOUN
ahmr-864	212	27	et	et	PROPN
ahmr-864	212	28	al	al	PROPN
ahmr-864	212	29	.	.	PROPN
ahmr-864	212	30	,	,	PUNCT
ahmr-864	212	31	2006	2006	NUM
ahmr-864	212	32	:	:	PUNCT
ahmr-864	212	33	46	46	NUM
ahmr-864	212	34	)	)	PUNCT
ahmr-864	212	35	.	.	PUNCT
ahmr-864	213	1	the	the	DET
ahmr-864	213	2	regulatory	regulatory	ADJ
ahmr-864	213	3	environment	environment	NOUN
ahmr-864	213	4	also	also	ADV
ahmr-864	213	5	potentially	potentially	ADV
ahmr-864	213	6	constrains	constrain	VERB
ahmr-864	213	7	competition	competition	NOUN
ahmr-864	213	8	in	in	ADP
ahmr-864	213	9	circumstances	circumstance	NOUN
ahmr-864	213	10	where	where	SCONJ
ahmr-864	213	11	licensing	licensing	NOUN
ahmr-864	213	12	is	be	AUX
ahmr-864	213	13	a	a	DET
ahmr-864	213	14	pre	pre	NOUN
ahmr-864	213	15	-	-	NOUN
ahmr-864	213	16	requisite	requisite	ADJ
ahmr-864	213	17	for	for	SCONJ
ahmr-864	213	18	an	an	DET
ahmr-864	213	19	individual	individual	NOUN
ahmr-864	213	20	or	or	CCONJ
ahmr-864	213	21	institution	institution	NOUN
ahmr-864	213	22	to	to	PART
ahmr-864	213	23	deal	deal	VERB
ahmr-864	213	24	in	in	ADP
ahmr-864	213	25	foreign	foreign	ADJ
ahmr-864	213	26	currency	currency	NOUN
ahmr-864	213	27	.	.	PUNCT
ahmr-864	214	1	such	such	ADJ
ahmr-864	214	2	pre	pre	NOUN
ahmr-864	214	3	-	-	NOUN
ahmr-864	214	4	requisites	requisite	NOUN
ahmr-864	214	5	can	can	AUX
ahmr-864	214	6	compromise	compromise	VERB
ahmr-864	214	7	a	a	DET
ahmr-864	214	8	potential	potential	ADJ
ahmr-864	214	9	rsp	rsp	NOUN
ahmr-864	214	10	’s	’s	PART
ahmr-864	214	11	ability	ability	NOUN
ahmr-864	214	12	to	to	PART
ahmr-864	214	13	enter	enter	VERB
ahmr-864	214	14	into	into	ADP
ahmr-864	214	15	a	a	DET
ahmr-864	214	16	remittance	remittance	NOUN
ahmr-864	214	17	market	market	NOUN
ahmr-864	214	18	.	.	PUNCT
ahmr-864	215	1	in	in	ADP
ahmr-864	215	2	providing	provide	VERB
ahmr-864	215	3	remittance	remittance	NOUN
ahmr-864	215	4	services	service	NOUN
ahmr-864	215	5	,	,	PUNCT
ahmr-864	215	6	rsps	rsp	NOUN
ahmr-864	215	7	face	face	VERB
ahmr-864	215	8	a	a	DET
ahmr-864	215	9	variety	variety	NOUN
ahmr-864	215	10	of	of	ADP
ahmr-864	215	11	financial	financial	ADJ
ahmr-864	215	12	,	,	PUNCT
ahmr-864	215	13	legal	legal	ADJ
ahmr-864	215	14	,	,	PUNCT
ahmr-864	215	15	operational	operational	ADJ
ahmr-864	215	16	,	,	PUNCT
ahmr-864	215	17	fraud	fraud	NOUN
ahmr-864	215	18	and	and	CCONJ
ahmr-864	215	19	reputational	reputational	ADJ
ahmr-864	215	20	risks	risk	NOUN
ahmr-864	215	21	(	(	PUNCT
ahmr-864	215	22	cpss	cpss	NOUN
ahmr-864	215	23	,	,	PUNCT
ahmr-864	215	24	2005	2005	NUM
ahmr-864	215	25	:	:	PUNCT
ahmr-864	215	26	18	18	NUM
ahmr-864	215	27	)	)	PUNCT
ahmr-864	215	28	.	.	PUNCT
ahmr-864	216	1	a	a	DET
ahmr-864	216	2	mutual	mutual	ADJ
ahmr-864	216	3	concern	concern	NOUN
ahmr-864	216	4	for	for	ADP
ahmr-864	216	5	all	all	DET
ahmr-864	216	6	participants	participant	NOUN
ahmr-864	216	7	in	in	ADP
ahmr-864	216	8	a	a	DET
ahmr-864	216	9	remittance	remittance	NOUN
ahmr-864	216	10	transaction	transaction	NOUN
ahmr-864	216	11	is	be	AUX
ahmr-864	216	12	the	the	DET
ahmr-864	216	13	risk	risk	NOUN
ahmr-864	216	14	that	that	SCONJ
ahmr-864	216	15	funds	fund	NOUN
ahmr-864	216	16	will	will	AUX
ahmr-864	216	17	be	be	AUX
ahmr-864	216	18	lost	lose	VERB
ahmr-864	216	19	whilst	whilst	SCONJ
ahmr-864	216	20	in	in	ADP
ahmr-864	216	21	transition	transition	NOUN
ahmr-864	216	22	.	.	PUNCT
ahmr-864	217	1	the	the	DET
ahmr-864	217	2	question	question	NOUN
ahmr-864	217	3	of	of	ADP
ahmr-864	217	4	who	who	PRON
ahmr-864	217	5	bears	bear	VERB
ahmr-864	217	6	the	the	DET
ahmr-864	217	7	risk	risk	NOUN
ahmr-864	217	8	depends	depend	VERB
ahmr-864	217	9	on	on	ADP
ahmr-864	217	10	the	the	DET
ahmr-864	217	11	nature	nature	NOUN
ahmr-864	217	12	of	of	ADP
ahmr-864	217	13	the	the	DET
ahmr-864	217	14	remittance	remittance	NOUN
ahmr-864	217	15	service	service	NOUN
ahmr-864	217	16	(	(	PUNCT
ahmr-864	217	17	cpss	cpss	PROPN
ahmr-864	217	18	,	,	PUNCT
ahmr-864	217	19	2005	2005	NUM
ahmr-864	217	20	:	:	PUNCT
ahmr-864	217	21	18	18	NUM
ahmr-864	217	22	)	)	PUNCT
ahmr-864	217	23	.	.	PUNCT
ahmr-864	218	1	in	in	ADP
ahmr-864	218	2	regard	regard	NOUN
ahmr-864	218	3	to	to	ADP
ahmr-864	218	4	unilateral	unilateral	ADJ
ahmr-864	218	5	and	and	CCONJ
ahmr-864	218	6	franchised	franchised	ADJ
ahmr-864	218	7	networks	network	NOUN
ahmr-864	218	8	,	,	PUNCT
ahmr-864	218	9	the	the	DET
ahmr-864	218	10	rsp	rsp	PROPN
ahmr-864	218	11	usually	usually	ADV
ahmr-864	218	12	bears	bear	VERB
ahmr-864	218	13	the	the	DET
ahmr-864	218	14	risk	risk	NOUN
ahmr-864	218	15	(	(	PUNCT
ahmr-864	218	16	cpss	cpss	NOUN
ahmr-864	218	17	,	,	PUNCT
ahmr-864	218	18	2005	2005	NUM
ahmr-864	218	19	:	:	PUNCT
ahmr-864	218	20	18	18	NUM
ahmr-864	218	21	)	)	PUNCT
ahmr-864	218	22	.	.	PUNCT
ahmr-864	219	1	this	this	DET
ahmr-864	219	2	paper	paper	NOUN
ahmr-864	219	3	argues	argue	VERB
ahmr-864	219	4	that	that	SCONJ
ahmr-864	219	5	the	the	DET
ahmr-864	219	6	exposure	exposure	NOUN
ahmr-864	219	7	61	61	NUM
ahmr-864	219	8	to	to	ADP
ahmr-864	219	9	such	such	ADJ
ahmr-864	219	10	risk	risk	NOUN
ahmr-864	219	11	is	be	AUX
ahmr-864	219	12	inevitably	inevitably	ADV
ahmr-864	219	13	taken	take	VERB
ahmr-864	219	14	into	into	ADP
ahmr-864	219	15	account	account	NOUN
ahmr-864	219	16	when	when	SCONJ
ahmr-864	219	17	providing	provide	VERB
ahmr-864	219	18	remittance	remittance	NOUN
ahmr-864	219	19	services	service	NOUN
ahmr-864	219	20	and	and	CCONJ
ahmr-864	219	21	plays	play	VERB
ahmr-864	219	22	a	a	DET
ahmr-864	219	23	role	role	NOUN
ahmr-864	219	24	in	in	ADP
ahmr-864	219	25	determining	determine	VERB
ahmr-864	219	26	the	the	DET
ahmr-864	219	27	costs	cost	NOUN
ahmr-864	219	28	of	of	ADP
ahmr-864	219	29	a	a	DET
ahmr-864	219	30	transaction	transaction	NOUN
ahmr-864	219	31	.	.	PUNCT
ahmr-864	220	1	whilst	whilst	SCONJ
ahmr-864	220	2	the	the	DET
ahmr-864	220	3	discussion	discussion	NOUN
ahmr-864	220	4	above	above	ADV
ahmr-864	220	5	gives	give	VERB
ahmr-864	220	6	an	an	DET
ahmr-864	220	7	insight	insight	NOUN
ahmr-864	220	8	into	into	ADP
ahmr-864	220	9	the	the	DET
ahmr-864	220	10	factors	factor	NOUN
ahmr-864	220	11	that	that	PRON
ahmr-864	220	12	contribute	contribute	VERB
ahmr-864	220	13	towards	towards	ADP
ahmr-864	220	14	the	the	DET
ahmr-864	220	15	preference	preference	NOUN
ahmr-864	220	16	for	for	ADP
ahmr-864	220	17	informal	informal	ADJ
ahmr-864	220	18	remittance	remittance	NOUN
ahmr-864	220	19	channels	channel	NOUN
ahmr-864	220	20	,	,	PUNCT
ahmr-864	220	21	it	it	PRON
ahmr-864	220	22	is	be	AUX
ahmr-864	220	23	evident	evident	ADJ
ahmr-864	220	24	that	that	SCONJ
ahmr-864	220	25	the	the	DET
ahmr-864	220	26	government	government	NOUN
ahmr-864	220	27	needs	need	VERB
ahmr-864	220	28	to	to	PART
ahmr-864	220	29	strengthen	strengthen	VERB
ahmr-864	220	30	the	the	DET
ahmr-864	220	31	risk	risk	NOUN
ahmr-864	220	32	-	-	PUNCT
ahmr-864	220	33	based	base	VERB
ahmr-864	220	34	approach	approach	NOUN
ahmr-864	220	35	with	with	ADP
ahmr-864	220	36	an	an	DET
ahmr-864	220	37	explicit	explicit	ADJ
ahmr-864	220	38	framework	framework	NOUN
ahmr-864	220	39	for	for	ADP
ahmr-864	220	40	oversight	oversight	NOUN
ahmr-864	220	41	of	of	ADP
ahmr-864	220	42	international	international	ADJ
ahmr-864	220	43	remittances	remittance	NOUN
ahmr-864	220	44	,	,	PUNCT
ahmr-864	220	45	as	as	SCONJ
ahmr-864	220	46	the	the	DET
ahmr-864	220	47	benefits	benefit	NOUN
ahmr-864	220	48	of	of	ADP
ahmr-864	220	49	international	international	ADJ
ahmr-864	220	50	remittances	remittance	NOUN
ahmr-864	220	51	for	for	ADP
ahmr-864	220	52	the	the	DET
ahmr-864	220	53	poor	poor	ADJ
ahmr-864	220	54	can	can	AUX
ahmr-864	220	55	not	not	PART
ahmr-864	220	56	be	be	AUX
ahmr-864	220	57	under	under	ADV
ahmr-864	220	58	-	-	PUNCT
ahmr-864	220	59	estimated	estimate	VERB
ahmr-864	220	60	.	.	PUNCT
ahmr-864	221	1	this	this	PRON
ahmr-864	221	2	can	can	AUX
ahmr-864	221	3	only	only	ADV
ahmr-864	221	4	be	be	AUX
ahmr-864	221	5	achieved	achieve	VERB
ahmr-864	221	6	if	if	SCONJ
ahmr-864	221	7	the	the	DET
ahmr-864	221	8	conditions	condition	NOUN
ahmr-864	221	9	are	be	AUX
ahmr-864	221	10	conductive	conductive	ADJ
ahmr-864	221	11	and	and	CCONJ
ahmr-864	221	12	the	the	DET
ahmr-864	221	13	legal	legal	ADJ
ahmr-864	221	14	and	and	CCONJ
ahmr-864	221	15	regulatory	regulatory	ADJ
ahmr-864	221	16	framework	framework	NOUN
ahmr-864	221	17	is	be	AUX
ahmr-864	221	18	sufficiently	sufficiently	ADV
ahmr-864	221	19	robust	robust	ADJ
ahmr-864	221	20	and	and	CCONJ
ahmr-864	221	21	sound	sound	VERB
ahmr-864	221	22	to	to	PART
ahmr-864	221	23	enable	enable	VERB
ahmr-864	221	24	the	the	DET
ahmr-864	221	25	increased	increase	VERB
ahmr-864	221	26	use	use	NOUN
ahmr-864	221	27	of	of	ADP
ahmr-864	221	28	formal	formal	ADJ
ahmr-864	221	29	remittance	remittance	NOUN
ahmr-864	221	30	channels	channel	NOUN
ahmr-864	221	31	.	.	PUNCT
ahmr-864	222	1	a	a	DET
ahmr-864	222	2	stratified	stratified	ADJ
ahmr-864	222	3	approach	approach	NOUN
ahmr-864	222	4	could	could	AUX
ahmr-864	222	5	be	be	AUX
ahmr-864	222	6	used	use	VERB
ahmr-864	222	7	;	;	PUNCT
ahmr-864	222	8	that	that	PRON
ahmr-864	222	9	means	mean	VERB
ahmr-864	222	10	that	that	SCONJ
ahmr-864	222	11	the	the	DET
ahmr-864	222	12	particular	particular	ADJ
ahmr-864	222	13	payment	payment	NOUN
ahmr-864	222	14	system	system	NOUN
ahmr-864	222	15	should	should	AUX
ahmr-864	222	16	be	be	AUX
ahmr-864	222	17	overseen	oversee	VERB
ahmr-864	222	18	bearing	bear	VERB
ahmr-864	222	19	in	in	ADP
ahmr-864	222	20	mind	mind	NOUN
ahmr-864	222	21	the	the	DET
ahmr-864	222	22	risks	risk	NOUN
ahmr-864	222	23	posed	pose	VERB
ahmr-864	222	24	by	by	ADP
ahmr-864	222	25	the	the	DET
ahmr-864	222	26	product	product	NOUN
ahmr-864	222	27	and	and	CCONJ
ahmr-864	222	28	not	not	PART
ahmr-864	222	29	only	only	ADV
ahmr-864	222	30	the	the	DET
ahmr-864	222	31	institution	institution	NOUN
ahmr-864	222	32	which	which	PRON
ahmr-864	222	33	provides	provide	VERB
ahmr-864	222	34	the	the	DET
ahmr-864	222	35	payment	payment	NOUN
ahmr-864	222	36	system	system	NOUN
ahmr-864	222	37	.	.	PUNCT
ahmr-864	223	1	regulatory	regulatory	ADJ
ahmr-864	223	2	gaps	gap	NOUN
ahmr-864	223	3	and	and	CCONJ
ahmr-864	223	4	recommendations	recommendation	NOUN
ahmr-864	223	5	the	the	DET
ahmr-864	223	6	national	national	ADJ
ahmr-864	223	7	payment	payment	NOUN
ahmr-864	223	8	system	system	NOUN
ahmr-864	223	9	department	department	NOUN
ahmr-864	223	10	of	of	ADP
ahmr-864	223	11	the	the	DET
ahmr-864	223	12	sarb	sarb	PROPN
ahmr-864	223	13	issued	issue	VERB
ahmr-864	223	14	a	a	DET
ahmr-864	223	15	review	review	NOUN
ahmr-864	223	16	of	of	ADP
ahmr-864	223	17	the	the	DET
ahmr-864	223	18	nps	nps	PROPN
ahmr-864	223	19	act	act	PROPN
ahmr-864	223	20	report	report	PROPN
ahmr-864	223	21	(	(	PUNCT
ahmr-864	223	22	sarb	sarb	NOUN
ahmr-864	223	23	,	,	PUNCT
ahmr-864	223	24	2018	2018	NUM
ahmr-864	223	25	)	)	PUNCT
ahmr-864	223	26	which	which	PRON
ahmr-864	223	27	has	have	VERB
ahmr-864	223	28	various	various	ADJ
ahmr-864	223	29	objectives	objective	NOUN
ahmr-864	223	30	,	,	PUNCT
ahmr-864	223	31	of	of	ADP
ahmr-864	223	32	which	which	PRON
ahmr-864	223	33	strengthening	strengthen	VERB
ahmr-864	223	34	the	the	DET
ahmr-864	223	35	regulatory	regulatory	ADJ
ahmr-864	223	36	framework	framework	NOUN
ahmr-864	223	37	for	for	ADP
ahmr-864	223	38	domestic	domestic	ADJ
ahmr-864	223	39	remittances	remittance	NOUN
ahmr-864	223	40	is	be	AUX
ahmr-864	223	41	but	but	CCONJ
ahmr-864	223	42	one	one	NUM
ahmr-864	223	43	.	.	PUNCT
ahmr-864	224	1	amongst	amongst	ADP
ahmr-864	224	2	other	other	ADJ
ahmr-864	224	3	things	thing	NOUN
ahmr-864	224	4	,	,	PUNCT
ahmr-864	224	5	the	the	DET
ahmr-864	224	6	review	review	NOUN
ahmr-864	224	7	seeks	seek	VERB
ahmr-864	224	8	to	to	PART
ahmr-864	224	9	align	align	VERB
ahmr-864	224	10	the	the	DET
ahmr-864	224	11	south	south	ADJ
ahmr-864	224	12	african	african	ADJ
ahmr-864	224	13	mobile	mobile	ADJ
ahmr-864	224	14	framework	framework	NOUN
ahmr-864	224	15	with	with	ADP
ahmr-864	224	16	the	the	DET
ahmr-864	224	17	mobile	mobile	ADJ
ahmr-864	224	18	money	money	NOUN
ahmr-864	224	19	guidelines	guideline	NOUN
ahmr-864	224	20	and	and	CCONJ
ahmr-864	224	21	the	the	DET
ahmr-864	224	22	general	general	ADJ
ahmr-864	224	23	principles	principle	NOUN
ahmr-864	224	24	for	for	ADP
ahmr-864	224	25	international	international	ADJ
ahmr-864	224	26	remittances	remittance	NOUN
ahmr-864	224	27	issued	issue	VERB
ahmr-864	224	28	by	by	ADP
ahmr-864	224	29	the	the	DET
ahmr-864	224	30	world	world	PROPN
ahmr-864	224	31	bank	bank	PROPN
ahmr-864	224	32	(	(	PUNCT
ahmr-864	224	33	sarb	sarb	PROPN
ahmr-864	224	34	,	,	PUNCT
ahmr-864	224	35	2018	2018	NUM
ahmr-864	224	36	)	)	PUNCT
ahmr-864	224	37	.	.	PUNCT
ahmr-864	225	1	a	a	DET
ahmr-864	225	2	comprehensive	comprehensive	ADJ
ahmr-864	225	3	review	review	NOUN
ahmr-864	225	4	of	of	ADP
ahmr-864	225	5	the	the	DET
ahmr-864	225	6	south	south	ADJ
ahmr-864	225	7	african	african	ADJ
ahmr-864	225	8	remittance	remittance	NOUN
ahmr-864	225	9	market	market	NOUN
ahmr-864	225	10	was	be	AUX
ahmr-864	225	11	conducted	conduct	VERB
ahmr-864	225	12	by	by	ADP
ahmr-864	225	13	the	the	DET
ahmr-864	225	14	world	world	PROPN
ahmr-864	225	15	bank	bank	PROPN
ahmr-864	225	16	and	and	CCONJ
ahmr-864	225	17	finalized	finalize	VERB
ahmr-864	225	18	in	in	ADP
ahmr-864	225	19	august	august	PROPN
ahmr-864	225	20	2015	2015	NUM
ahmr-864	225	21	.	.	PUNCT
ahmr-864	226	1	the	the	DET
ahmr-864	226	2	report	report	NOUN
ahmr-864	226	3	identified	identify	VERB
ahmr-864	226	4	key	key	ADJ
ahmr-864	226	5	actions	action	NOUN
ahmr-864	226	6	that	that	PRON
ahmr-864	226	7	could	could	AUX
ahmr-864	226	8	lead	lead	VERB
ahmr-864	226	9	to	to	ADP
ahmr-864	226	10	enhanced	enhanced	ADJ
ahmr-864	226	11	safety	safety	NOUN
ahmr-864	226	12	and	and	CCONJ
ahmr-864	226	13	efficiency	efficiency	NOUN
ahmr-864	226	14	of	of	ADP
ahmr-864	226	15	remittance	remittance	NOUN
ahmr-864	226	16	transactions	transaction	NOUN
ahmr-864	226	17	within	within	ADP
ahmr-864	226	18	south	south	PROPN
ahmr-864	226	19	africa	africa	PROPN
ahmr-864	226	20	.	.	PUNCT
ahmr-864	227	1	this	this	PRON
ahmr-864	227	2	includes	include	VERB
ahmr-864	227	3	the	the	DET
ahmr-864	227	4	development	development	NOUN
ahmr-864	227	5	of	of	ADP
ahmr-864	227	6	a	a	DET
ahmr-864	227	7	consumer	consumer	NOUN
ahmr-864	227	8	protection	protection	NOUN
ahmr-864	227	9	framework	framework	NOUN
ahmr-864	227	10	,	,	PUNCT
ahmr-864	227	11	financial	financial	ADJ
ahmr-864	227	12	literacy	literacy	NOUN
ahmr-864	227	13	strategies	strategy	NOUN
ahmr-864	227	14	,	,	PUNCT
ahmr-864	227	15	the	the	DET
ahmr-864	227	16	development	development	NOUN
ahmr-864	227	17	of	of	ADP
ahmr-864	227	18	governance	governance	NOUN
ahmr-864	227	19	and	and	CCONJ
ahmr-864	227	20	risk	risk	NOUN
ahmr-864	227	21	management	management	NOUN
ahmr-864	227	22	frameworks	framework	NOUN
ahmr-864	227	23	,	,	PUNCT
ahmr-864	227	24	promotion	promotion	NOUN
ahmr-864	227	25	of	of	ADP
ahmr-864	227	26	competition	competition	NOUN
ahmr-864	227	27	,	,	PUNCT
ahmr-864	227	28	interoperability	interoperability	NOUN
ahmr-864	227	29	and	and	CCONJ
ahmr-864	227	30	access	access	NOUN
ahmr-864	227	31	in	in	ADP
ahmr-864	227	32	the	the	DET
ahmr-864	227	33	remittance	remittance	NOUN
ahmr-864	227	34	market	market	NOUN
ahmr-864	227	35	(	(	PUNCT
ahmr-864	227	36	world	world	PROPN
ahmr-864	227	37	bank	bank	PROPN
ahmr-864	227	38	,	,	PUNCT
ahmr-864	227	39	2015	2015	NUM
ahmr-864	227	40	)	)	PUNCT
ahmr-864	227	41	.	.	PUNCT
ahmr-864	228	1	there	there	PRON
ahmr-864	228	2	has	have	AUX
ahmr-864	228	3	been	be	AUX
ahmr-864	228	4	an	an	DET
ahmr-864	228	5	increased	increase	VERB
ahmr-864	228	6	focus	focus	NOUN
ahmr-864	228	7	on	on	ADP
ahmr-864	228	8	retail	retail	ADJ
ahmr-864	228	9	payment	payment	NOUN
ahmr-864	228	10	systems	system	NOUN
ahmr-864	228	11	,	,	PUNCT
ahmr-864	228	12	increased	increase	VERB
ahmr-864	228	13	financial	financial	ADJ
ahmr-864	228	14	inclusion	inclusion	NOUN
ahmr-864	228	15	through	through	ADP
ahmr-864	228	16	access	access	NOUN
ahmr-864	228	17	to	to	ADP
ahmr-864	228	18	the	the	DET
ahmr-864	228	19	payment	payment	NOUN
ahmr-864	228	20	system	system	NOUN
ahmr-864	228	21	and	and	CCONJ
ahmr-864	228	22	coupled	couple	VERB
ahmr-864	228	23	with	with	ADP
ahmr-864	228	24	the	the	DET
ahmr-864	228	25	competition	competition	NOUN
ahmr-864	228	26	issues	issue	NOUN
ahmr-864	228	27	,	,	PUNCT
ahmr-864	228	28	necessitated	necessitate	VERB
ahmr-864	228	29	a	a	DET
ahmr-864	228	30	review	review	NOUN
ahmr-864	228	31	of	of	ADP
ahmr-864	228	32	the	the	DET
ahmr-864	228	33	nps	nps	PROPN
ahmr-864	228	34	act	act	NOUN
ahmr-864	228	35	in	in	ADP
ahmr-864	228	36	alignment	alignment	NOUN
ahmr-864	228	37	with	with	ADP
ahmr-864	228	38	the	the	DET
ahmr-864	228	39	general	general	ADJ
ahmr-864	228	40	principles	principle	NOUN
ahmr-864	228	41	for	for	ADP
ahmr-864	228	42	international	international	ADJ
ahmr-864	228	43	remittance	remittance	NOUN
ahmr-864	228	44	services	service	NOUN
ahmr-864	228	45	.	.	PUNCT
ahmr-864	229	1	with	with	ADP
ahmr-864	229	2	the	the	DET
ahmr-864	229	3	financial	financial	ADJ
ahmr-864	229	4	surveillance	surveillance	NOUN
ahmr-864	229	5	department	department	NOUN
ahmr-864	229	6	of	of	ADP
ahmr-864	229	7	the	the	DET
ahmr-864	229	8	sarb	sarb	PROPN
ahmr-864	229	9	having	having	AUX
ahmr-864	229	10	made	make	VERB
ahmr-864	229	11	exchange	exchange	NOUN
ahmr-864	229	12	control	control	NOUN
ahmr-864	229	13	rulings	ruling	NOUN
ahmr-864	229	14	to	to	PART
ahmr-864	229	15	enable	enable	VERB
ahmr-864	229	16	alignment	alignment	NOUN
ahmr-864	229	17	in	in	ADP
ahmr-864	229	18	respect	respect	NOUN
ahmr-864	229	19	of	of	ADP
ahmr-864	229	20	international	international	ADJ
ahmr-864	229	21	remittances	remittance	NOUN
ahmr-864	229	22	,	,	PUNCT
ahmr-864	229	23	some	some	DET
ahmr-864	229	24	regulatory	regulatory	ADJ
ahmr-864	229	25	gaps	gap	NOUN
ahmr-864	229	26	still	still	ADV
ahmr-864	229	27	remain	remain	VERB
ahmr-864	229	28	in	in	ADP
ahmr-864	229	29	respect	respect	NOUN
ahmr-864	229	30	of	of	ADP
ahmr-864	229	31	domestic	domestic	ADJ
ahmr-864	229	32	remittances	remittance	NOUN
ahmr-864	229	33	.	.	PUNCT
ahmr-864	230	1	most	most	ADV
ahmr-864	230	2	noteworthy	noteworthy	ADJ
ahmr-864	230	3	,	,	PUNCT
ahmr-864	230	4	is	be	AUX
ahmr-864	230	5	that	that	SCONJ
ahmr-864	230	6	domestic	domestic	ADJ
ahmr-864	230	7	remittances	remittance	NOUN
ahmr-864	230	8	are	be	AUX
ahmr-864	230	9	essentially	essentially	ADV
ahmr-864	230	10	low	low	ADJ
ahmr-864	230	11	-	-	PUNCT
ahmr-864	230	12	value	value	NOUN
ahmr-864	230	13	retail	retail	ADJ
ahmr-864	230	14	payment	payment	NOUN
ahmr-864	230	15	services	service	NOUN
ahmr-864	230	16	.	.	PUNCT
ahmr-864	231	1	however	however	ADV
ahmr-864	231	2	,	,	PUNCT
ahmr-864	231	3	in	in	ADP
ahmr-864	231	4	terms	term	NOUN
ahmr-864	231	5	of	of	ADP
ahmr-864	231	6	section	section	NOUN
ahmr-864	231	7	7	7	NUM
ahmr-864	231	8	of	of	ADP
ahmr-864	231	9	the	the	DET
ahmr-864	231	10	nps	nps	PROPN
ahmr-864	231	11	act	act	PROPN
ahmr-864	231	12	,	,	PUNCT
ahmr-864	231	13	these	these	DET
ahmr-864	231	14	payment	payment	NOUN
ahmr-864	231	15	services	service	NOUN
ahmr-864	231	16	can	can	AUX
ahmr-864	231	17	not	not	PART
ahmr-864	231	18	fall	fall	VERB
ahmr-864	231	19	within	within	ADP
ahmr-864	231	20	the	the	DET
ahmr-864	231	21	ambit	ambit	NOUN
ahmr-864	231	22	of	of	ADP
ahmr-864	231	23	payments	payment	NOUN
ahmr-864	231	24	to	to	ADP
ahmr-864	231	25	third	third	ADJ
ahmr-864	231	26	parties	party	NOUN
ahmr-864	231	27	,	,	PUNCT
ahmr-864	231	28	as	as	SCONJ
ahmr-864	231	29	the	the	DET
ahmr-864	231	30	payments	payment	NOUN
ahmr-864	231	31	are	be	AUX
ahmr-864	231	32	‘	'	PUNCT
ahmr-864	231	33	not	not	PART
ahmr-864	231	34	due	due	ADJ
ahmr-864	231	35	’	'	PUNCT
ahmr-864	231	36	to	to	ADP
ahmr-864	231	37	the	the	DET
ahmr-864	231	38	beneficiary	beneficiary	NOUN
ahmr-864	231	39	.	.	PUNCT
ahmr-864	232	1	consequently	consequently	ADV
ahmr-864	232	2	,	,	PUNCT
ahmr-864	232	3	the	the	DET
ahmr-864	232	4	sarb	sarb	PROPN
ahmr-864	232	5	does	do	AUX
ahmr-864	232	6	not	not	PART
ahmr-864	232	7	have	have	VERB
ahmr-864	232	8	the	the	DET
ahmr-864	232	9	necessary	necessary	ADJ
ahmr-864	232	10	regulatory	regulatory	ADJ
ahmr-864	232	11	authority	authority	NOUN
ahmr-864	232	12	to	to	PART
ahmr-864	232	13	address	address	VERB
ahmr-864	232	14	remittances	remittance	NOUN
ahmr-864	232	15	as	as	ADP
ahmr-864	232	16	services	service	NOUN
ahmr-864	232	17	to	to	ADP
ahmr-864	232	18	third	third	ADJ
ahmr-864	232	19	parties	party	NOUN
ahmr-864	232	20	.	.	PUNCT
ahmr-864	233	1	the	the	DET
ahmr-864	233	2	sarb	sarb	PROPN
ahmr-864	233	3	has	have	AUX
ahmr-864	233	4	developed	develop	VERB
ahmr-864	233	5	a	a	DET
ahmr-864	233	6	payment	payment	NOUN
ahmr-864	233	7	services	service	NOUN
ahmr-864	233	8	engagement	engagement	NOUN
ahmr-864	233	9	paper	paper	NOUN
ahmr-864	233	10	in	in	ADP
ahmr-864	233	11	consultation	consultation	NOUN
ahmr-864	233	12	with	with	ADP
ahmr-864	233	13	the	the	DET
ahmr-864	233	14	financial	financial	ADJ
ahmr-864	233	15	sector	sector	NOUN
ahmr-864	233	16	conduct	conduct	NOUN
ahmr-864	233	17	authority	authority	NOUN
ahmr-864	233	18	(	(	PUNCT
ahmr-864	233	19	fsca	fsca	NOUN
ahmr-864	233	20	)	)	PUNCT
ahmr-864	233	21	,	,	PUNCT
ahmr-864	233	22	established	establish	VERB
ahmr-864	233	23	in	in	ADP
ahmr-864	233	24	terms	term	NOUN
ahmr-864	233	25	of	of	ADP
ahmr-864	233	26	the	the	DET
ahmr-864	233	27	financial	financial	ADJ
ahmr-864	233	28	sector	sector	NOUN
ahmr-864	233	29	regulation	regulation	NOUN
ahmr-864	233	30	(	(	PUNCT
ahmr-864	233	31	fsr	fsr	PROPN
ahmr-864	233	32	)	)	PUNCT
ahmr-864	233	33	act	act	NOUN
ahmr-864	233	34	of	of	ADP
ahmr-864	233	35	the	the	DET
ahmr-864	233	36	south	south	ADJ
ahmr-864	233	37	african	african	PROPN
ahmr-864	233	38	reserve	reserve	PROPN
ahmr-864	233	39	bank	bank	PROPN
ahmr-864	233	40	(	(	PUNCT
ahmr-864	233	41	sarb	sarb	PROPN
ahmr-864	233	42	,	,	PUNCT
ahmr-864	233	43	2016	2016	NUM
ahmr-864	233	44	)	)	PUNCT
ahmr-864	233	45	.	.	PUNCT
ahmr-864	234	1	the	the	DET
ahmr-864	234	2	aim	aim	NOUN
ahmr-864	234	3	of	of	ADP
ahmr-864	234	4	this	this	DET
ahmr-864	234	5	paper	paper	NOUN
ahmr-864	234	6	is	be	AUX
ahmr-864	234	7	to	to	PART
ahmr-864	234	8	review	review	VERB
ahmr-864	234	9	the	the	DET
ahmr-864	234	10	current	current	ADJ
ahmr-864	234	11	payment	payment	NOUN
ahmr-864	234	12	services	service	NOUN
ahmr-864	234	13	landscape	landscape	NOUN
ahmr-864	234	14	and	and	CCONJ
ahmr-864	234	15	to	to	PART
ahmr-864	234	16	present	present	VERB
ahmr-864	234	17	possible	possible	ADJ
ahmr-864	234	18	regulatory	regulatory	ADJ
ahmr-864	234	19	options	option	NOUN
ahmr-864	234	20	.	.	PUNCT
ahmr-864	235	1	the	the	DET
ahmr-864	235	2	first	first	ADJ
ahmr-864	235	3	option	option	NOUN
ahmr-864	235	4	is	be	AUX
ahmr-864	235	5	to	to	PART
ahmr-864	235	6	issue	issue	VERB
ahmr-864	235	7	an	an	DET
ahmr-864	235	8	exemption	exemption	NOUN
ahmr-864	235	9	in	in	ADP
ahmr-864	235	10	towards	towards	ADP
ahmr-864	235	11	a	a	DET
ahmr-864	235	12	legal	legal	ADJ
ahmr-864	235	13	and	and	CCONJ
ahmr-864	235	14	regulatory	regulatory	ADJ
ahmr-864	235	15	framework	framework	NOUN
ahmr-864	235	16	for	for	ADP
ahmr-864	235	17	south	south	ADJ
ahmr-864	235	18	african	african	ADJ
ahmr-864	235	19	domestic	domestic	ADJ
ahmr-864	235	20	remittances	remittance	NOUN
ahmr-864	235	21	62	62	NUM
ahmr-864	235	22	ahmr	ahmr	NOUN
ahmr-864	235	23	african	african	PROPN
ahmr-864	235	24	human	human	PROPN
ahmr-864	235	25	mobilty	mobilty	PROPN
ahmr-864	235	26	review	review	NOUN
ahmr-864	235	27	volume	volume	NOUN
ahmr-864	235	28	7	7	NUM
ahmr-864	235	29	no	no	DET
ahmr-864	235	30	1	1	NUM
ahmr-864	235	31	,	,	PUNCT
ahmr-864	235	32	jan	jan	NOUN
ahmr-864	235	33	-	-	PUNCT
ahmr-864	235	34	apr	apr	NOUN
ahmr-864	235	35	2021	2021	NUM
ahmr-864	235	36	terms	term	NOUN
ahmr-864	235	37	of	of	ADP
ahmr-864	235	38	the	the	DET
ahmr-864	235	39	banks	bank	NOUN
ahmr-864	235	40	act	act	VERB
ahmr-864	235	41	in	in	ADP
ahmr-864	235	42	relation	relation	NOUN
ahmr-864	235	43	to	to	ADP
ahmr-864	235	44	the	the	DET
ahmr-864	235	45	definition	definition	NOUN
ahmr-864	235	46	of	of	ADP
ahmr-864	235	47	deposit	deposit	NOUN
ahmr-864	235	48	-	-	PUNCT
ahmr-864	235	49	taking	taking	NOUN
ahmr-864	235	50	or	or	CCONJ
ahmr-864	235	51	the	the	DET
ahmr-864	235	52	business	business	NOUN
ahmr-864	235	53	of	of	ADP
ahmr-864	235	54	a	a	DET
ahmr-864	235	55	bank	bank	NOUN
ahmr-864	235	56	for	for	ADP
ahmr-864	235	57	pooling	pooling	NOUN
ahmr-864	235	58	of	of	ADP
ahmr-864	235	59	funds	fund	NOUN
ahmr-864	235	60	for	for	ADP
ahmr-864	235	61	purposes	purpose	NOUN
ahmr-864	235	62	of	of	ADP
ahmr-864	235	63	providing	provide	VERB
ahmr-864	235	64	domestic	domestic	ADJ
ahmr-864	235	65	remittances	remittance	NOUN
ahmr-864	235	66	.	.	PUNCT
ahmr-864	236	1	the	the	DET
ahmr-864	236	2	second	second	ADJ
ahmr-864	236	3	option	option	NOUN
ahmr-864	236	4	is	be	AUX
ahmr-864	236	5	the	the	DET
ahmr-864	236	6	development	development	NOUN
ahmr-864	236	7	of	of	ADP
ahmr-864	236	8	a	a	DET
ahmr-864	236	9	regulatory	regulatory	ADJ
ahmr-864	236	10	framework	framework	NOUN
ahmr-864	236	11	for	for	ADP
ahmr-864	236	12	domestic	domestic	ADJ
ahmr-864	236	13	remittances	remittance	NOUN
ahmr-864	236	14	activities	activity	NOUN
ahmr-864	236	15	and	and	CCONJ
ahmr-864	236	16	for	for	ADP
ahmr-864	236	17	all	all	DET
ahmr-864	236	18	domestic	domestic	ADJ
ahmr-864	236	19	mtos	mto	NOUN
ahmr-864	236	20	.	.	PUNCT
ahmr-864	237	1	this	this	PRON
ahmr-864	237	2	should	should	AUX
ahmr-864	237	3	enable	enable	VERB
ahmr-864	237	4	mtos	mto	NOUN
ahmr-864	237	5	to	to	PART
ahmr-864	237	6	operate	operate	VERB
ahmr-864	237	7	independently	independently	ADV
ahmr-864	237	8	from	from	ADP
ahmr-864	237	9	banks	bank	NOUN
ahmr-864	237	10	.	.	PUNCT
ahmr-864	238	1	the	the	DET
ahmr-864	238	2	third	third	ADJ
ahmr-864	238	3	option	option	NOUN
ahmr-864	238	4	is	be	AUX
ahmr-864	238	5	for	for	ADP
ahmr-864	238	6	section	section	NOUN
ahmr-864	238	7	7	7	NUM
ahmr-864	238	8	of	of	ADP
ahmr-864	238	9	the	the	DET
ahmr-864	238	10	nps	nps	PROPN
ahmr-864	238	11	act	act	NOUN
ahmr-864	238	12	to	to	PART
ahmr-864	238	13	be	be	AUX
ahmr-864	238	14	amended	amend	VERB
ahmr-864	238	15	to	to	PART
ahmr-864	238	16	include	include	VERB
ahmr-864	238	17	payment	payment	NOUN
ahmr-864	238	18	services	service	NOUN
ahmr-864	238	19	where	where	SCONJ
ahmr-864	238	20	money	money	NOUN
ahmr-864	238	21	is	be	AUX
ahmr-864	238	22	‘	'	PUNCT
ahmr-864	238	23	not	not	PART
ahmr-864	238	24	due	due	ADJ
ahmr-864	238	25	’	'	PUNCT
ahmr-864	238	26	to	to	ADP
ahmr-864	238	27	a	a	DET
ahmr-864	238	28	recipient	recipient	NOUN
ahmr-864	238	29	.	.	PUNCT
ahmr-864	239	1	the	the	DET
ahmr-864	239	2	enabling	enable	VERB
ahmr-864	239	3	provision	provision	NOUN
ahmr-864	239	4	will	will	AUX
ahmr-864	239	5	be	be	AUX
ahmr-864	239	6	included	include	VERB
ahmr-864	239	7	in	in	ADP
ahmr-864	239	8	the	the	DET
ahmr-864	239	9	nps	nps	PROPN
ahmr-864	239	10	act	act	NOUN
ahmr-864	239	11	to	to	PART
ahmr-864	239	12	allow	allow	VERB
ahmr-864	239	13	for	for	ADP
ahmr-864	239	14	the	the	DET
ahmr-864	239	15	provision	provision	NOUN
ahmr-864	239	16	of	of	ADP
ahmr-864	239	17	domestic	domestic	ADJ
ahmr-864	239	18	remittances	remittance	NOUN
ahmr-864	239	19	by	by	ADP
ahmr-864	239	20	non	non	NOUN
ahmr-864	239	21	-	-	NOUN
ahmr-864	239	22	banks	bank	NOUN
ahmr-864	239	23	independently	independently	ADV
ahmr-864	239	24	of	of	ADP
ahmr-864	239	25	banks	bank	NOUN
ahmr-864	239	26	.	.	PUNCT
ahmr-864	240	1	in	in	ADP
ahmr-864	240	2	the	the	DET
ahmr-864	240	3	author	author	NOUN
ahmr-864	240	4	’s	’s	PART
ahmr-864	240	5	view	view	NOUN
ahmr-864	240	6	,	,	PUNCT
ahmr-864	240	7	the	the	DET
ahmr-864	240	8	combination	combination	NOUN
ahmr-864	240	9	of	of	ADP
ahmr-864	240	10	a	a	DET
ahmr-864	240	11	detailed	detailed	ADJ
ahmr-864	240	12	framework	framework	NOUN
ahmr-864	240	13	for	for	ADP
ahmr-864	240	14	domestic	domestic	ADJ
ahmr-864	240	15	remittances	remittance	NOUN
ahmr-864	240	16	,	,	PUNCT
ahmr-864	240	17	coupled	couple	VERB
ahmr-864	240	18	with	with	ADP
ahmr-864	240	19	an	an	DET
ahmr-864	240	20	amendment	amendment	NOUN
ahmr-864	240	21	of	of	ADP
ahmr-864	240	22	section	section	NOUN
ahmr-864	240	23	7	7	NUM
ahmr-864	240	24	of	of	ADP
ahmr-864	240	25	the	the	DET
ahmr-864	240	26	nps	nps	PROPN
ahmr-864	240	27	act	act	NOUN
ahmr-864	240	28	to	to	PART
ahmr-864	240	29	cater	cater	VERB
ahmr-864	240	30	for	for	ADP
ahmr-864	240	31	the	the	DET
ahmr-864	240	32	oversight	oversight	NOUN
ahmr-864	240	33	of	of	ADP
ahmr-864	240	34	payment	payment	NOUN
ahmr-864	240	35	services	service	NOUN
ahmr-864	240	36	that	that	PRON
ahmr-864	240	37	are	be	AUX
ahmr-864	240	38	‘	'	PUNCT
ahmr-864	240	39	not	not	PART
ahmr-864	240	40	due	due	ADJ
ahmr-864	240	41	’	'	PUNCT
ahmr-864	240	42	,	,	PUNCT
ahmr-864	240	43	would	would	AUX
ahmr-864	240	44	be	be	AUX
ahmr-864	240	45	better	well	ADJ
ahmr-864	240	46	.	.	PUNCT
ahmr-864	241	1	the	the	DET
ahmr-864	241	2	framework	framework	NOUN
ahmr-864	241	3	could	could	AUX
ahmr-864	241	4	provide	provide	VERB
ahmr-864	241	5	the	the	DET
ahmr-864	241	6	key	key	ADJ
ahmr-864	241	7	policy	policy	NOUN
ahmr-864	241	8	drivers	driver	NOUN
ahmr-864	241	9	,	,	PUNCT
ahmr-864	241	10	such	such	ADJ
ahmr-864	241	11	as	as	ADP
ahmr-864	241	12	financial	financial	ADJ
ahmr-864	241	13	inclusion	inclusion	NOUN
ahmr-864	241	14	and	and	CCONJ
ahmr-864	241	15	financial	financial	ADJ
ahmr-864	241	16	integrity	integrity	NOUN
ahmr-864	241	17	,	,	PUNCT
ahmr-864	241	18	the	the	DET
ahmr-864	241	19	risk	risk	NOUN
ahmr-864	241	20	-	-	PUNCT
ahmr-864	241	21	based	base	VERB
ahmr-864	241	22	approach	approach	NOUN
ahmr-864	241	23	which	which	PRON
ahmr-864	241	24	could	could	AUX
ahmr-864	241	25	be	be	AUX
ahmr-864	241	26	stratified	stratify	VERB
ahmr-864	241	27	,	,	PUNCT
ahmr-864	241	28	as	as	ADV
ahmr-864	241	29	well	well	ADV
ahmr-864	241	30	as	as	ADP
ahmr-864	241	31	standards	standard	NOUN
ahmr-864	241	32	for	for	ADP
ahmr-864	241	33	the	the	DET
ahmr-864	241	34	provision	provision	NOUN
ahmr-864	241	35	of	of	ADP
ahmr-864	241	36	domestic	domestic	ADJ
ahmr-864	241	37	remittances	remittance	NOUN
ahmr-864	241	38	.	.	PUNCT
ahmr-864	242	1	this	this	DET
ahmr-864	242	2	paper	paper	NOUN
ahmr-864	242	3	proposes	propose	VERB
ahmr-864	242	4	that	that	SCONJ
ahmr-864	242	5	the	the	DET
ahmr-864	242	6	amendment	amendment	NOUN
ahmr-864	242	7	of	of	ADP
ahmr-864	242	8	section	section	NOUN
ahmr-864	242	9	7	7	NUM
ahmr-864	242	10	of	of	ADP
ahmr-864	242	11	the	the	DET
ahmr-864	242	12	nps	nps	PROPN
ahmr-864	242	13	act	act	NOUN
ahmr-864	242	14	should	should	AUX
ahmr-864	242	15	include	include	VERB
ahmr-864	242	16	the	the	DET
ahmr-864	242	17	deletion	deletion	NOUN
ahmr-864	242	18	of	of	ADP
ahmr-864	242	19	“	"	PUNCT
ahmr-864	242	20	to	to	PART
ahmr-864	242	21	whom	whom	PRON
ahmr-864	242	22	payment	payment	NOUN
ahmr-864	242	23	is	be	AUX
ahmr-864	242	24	due	due	ADJ
ahmr-864	242	25	”	"	PUNCT
ahmr-864	242	26	and	and	CCONJ
ahmr-864	242	27	the	the	DET
ahmr-864	242	28	following	follow	VERB
ahmr-864	242	29	insertion	insertion	NOUN
ahmr-864	242	30	in	in	ADP
ahmr-864	242	31	section	section	NOUN
ahmr-864	242	32	7	7	NUM
ahmr-864	242	33	:	:	PUNCT
ahmr-864	242	34	a	a	DET
ahmr-864	242	35	person	person	NOUN
ahmr-864	242	36	may	may	AUX
ahmr-864	242	37	,	,	PUNCT
ahmr-864	242	38	as	as	ADP
ahmr-864	242	39	a	a	DET
ahmr-864	242	40	regular	regular	ADJ
ahmr-864	242	41	feature	feature	NOUN
ahmr-864	242	42	of	of	ADP
ahmr-864	242	43	that	that	DET
ahmr-864	242	44	person	person	NOUN
ahmr-864	242	45	’s	’s	PART
ahmr-864	242	46	business	business	NOUN
ahmr-864	242	47	,	,	PUNCT
ahmr-864	242	48	accept	accept	VERB
ahmr-864	242	49	money	money	NOUN
ahmr-864	242	50	or	or	CCONJ
ahmr-864	242	51	payment	payment	NOUN
ahmr-864	242	52	instructions	instruction	NOUN
ahmr-864	242	53	from	from	ADP
ahmr-864	242	54	any	any	DET
ahmr-864	242	55	other	other	ADJ
ahmr-864	242	56	person	person	NOUN
ahmr-864	242	57	for	for	ADP
ahmr-864	242	58	purposes	purpose	NOUN
ahmr-864	242	59	of	of	ADP
ahmr-864	242	60	making	make	VERB
ahmr-864	242	61	payment	payment	NOUN
ahmr-864	242	62	on	on	ADP
ahmr-864	242	63	behalf	behalf	NOUN
ahmr-864	242	64	of	of	ADP
ahmr-864	242	65	that	that	DET
ahmr-864	242	66	person	person	NOUN
ahmr-864	242	67	to	to	ADP
ahmr-864	242	68	a	a	DET
ahmr-864	242	69	third	third	ADJ
ahmr-864	242	70	person	person	NOUN
ahmr-864	242	71	.	.	PUNCT
ahmr-864	243	1	in	in	ADP
ahmr-864	243	2	addition	addition	NOUN
ahmr-864	243	3	,	,	PUNCT
ahmr-864	243	4	some	some	PRON
ahmr-864	243	5	of	of	ADP
ahmr-864	243	6	the	the	DET
ahmr-864	243	7	standards	standard	NOUN
ahmr-864	243	8	for	for	ADP
ahmr-864	243	9	domestic	domestic	ADJ
ahmr-864	243	10	remittances	remittance	NOUN
ahmr-864	243	11	could	could	AUX
ahmr-864	243	12	be	be	AUX
ahmr-864	243	13	included	include	VERB
ahmr-864	243	14	as	as	ADP
ahmr-864	243	15	part	part	NOUN
ahmr-864	243	16	of	of	ADP
ahmr-864	243	17	the	the	DET
ahmr-864	243	18	detailed	detailed	ADJ
ahmr-864	243	19	domestic	domestic	ADJ
ahmr-864	243	20	remittances	remittance	NOUN
ahmr-864	243	21	framework	framework	NOUN
ahmr-864	243	22	or	or	CCONJ
ahmr-864	243	23	as	as	ADP
ahmr-864	243	24	directives	directive	NOUN
ahmr-864	243	25	issued	issue	VERB
ahmr-864	243	26	in	in	ADP
ahmr-864	243	27	terms	term	NOUN
ahmr-864	243	28	of	of	ADP
ahmr-864	243	29	the	the	DET
ahmr-864	243	30	nps	nps	PROPN
ahmr-864	243	31	act	act	NOUN
ahmr-864	243	32	,	,	PUNCT
ahmr-864	243	33	as	as	SCONJ
ahmr-864	243	34	is	be	AUX
ahmr-864	243	35	the	the	DET
ahmr-864	243	36	case	case	NOUN
ahmr-864	243	37	for	for	ADP
ahmr-864	243	38	the	the	DET
ahmr-864	243	39	practice	practice	NOUN
ahmr-864	243	40	of	of	ADP
ahmr-864	243	41	third	third	ADJ
ahmr-864	243	42	-	-	PUNCT
ahmr-864	243	43	party	party	NOUN
ahmr-864	243	44	payment	payment	NOUN
ahmr-864	243	45	service	service	NOUN
ahmr-864	243	46	providers	provider	NOUN
ahmr-864	243	47	where	where	SCONJ
ahmr-864	243	48	payments	payment	NOUN
ahmr-864	243	49	are	be	AUX
ahmr-864	243	50	due	due	ADJ
ahmr-864	243	51	.	.	PUNCT
ahmr-864	244	1	furthermore	furthermore	ADV
ahmr-864	244	2	,	,	PUNCT
ahmr-864	244	3	requirements	requirement	NOUN
ahmr-864	244	4	for	for	ADP
ahmr-864	244	5	licensing	licensing	NOUN
ahmr-864	244	6	of	of	ADP
ahmr-864	244	7	payment	payment	NOUN
ahmr-864	244	8	services	service	NOUN
ahmr-864	244	9	can	can	AUX
ahmr-864	244	10	be	be	AUX
ahmr-864	244	11	provided	provide	VERB
ahmr-864	244	12	in	in	ADP
ahmr-864	244	13	the	the	DET
ahmr-864	244	14	amendment	amendment	NOUN
ahmr-864	244	15	of	of	ADP
ahmr-864	244	16	the	the	DET
ahmr-864	244	17	act	act	NOUN
ahmr-864	244	18	and	and	CCONJ
ahmr-864	244	19	a	a	DET
ahmr-864	244	20	new	new	ADJ
ahmr-864	244	21	definition	definition	NOUN
ahmr-864	244	22	of	of	ADP
ahmr-864	244	23	payment	payment	NOUN
ahmr-864	244	24	services	service	NOUN
ahmr-864	244	25	could	could	AUX
ahmr-864	244	26	be	be	AUX
ahmr-864	244	27	inserted	insert	VERB
ahmr-864	244	28	that	that	PRON
ahmr-864	244	29	would	would	AUX
ahmr-864	244	30	make	make	VERB
ahmr-864	244	31	it	it	PRON
ahmr-864	244	32	clear	clear	ADJ
ahmr-864	244	33	that	that	SCONJ
ahmr-864	244	34	these	these	PRON
ahmr-864	244	35	would	would	AUX
ahmr-864	244	36	fall	fall	VERB
ahmr-864	244	37	under	under	ADP
ahmr-864	244	38	the	the	DET
ahmr-864	244	39	sarb	sarb	NOUN
ahmr-864	244	40	and	and	CCONJ
ahmr-864	244	41	offer	offer	VERB
ahmr-864	244	42	the	the	DET
ahmr-864	244	43	necessary	necessary	ADJ
ahmr-864	244	44	protection	protection	NOUN
ahmr-864	244	45	to	to	ADP
ahmr-864	244	46	the	the	DET
ahmr-864	244	47	front	front	ADJ
ahmr-864	244	48	-	-	PUNCT
ahmr-864	244	49	end	end	NOUN
ahmr-864	244	50	customers	customer	NOUN
ahmr-864	244	51	of	of	ADP
ahmr-864	244	52	payment	payment	NOUN
ahmr-864	244	53	service	service	NOUN
ahmr-864	244	54	providers	provider	NOUN
ahmr-864	244	55	,	,	PUNCT
ahmr-864	244	56	as	as	SCONJ
ahmr-864	244	57	is	be	AUX
ahmr-864	244	58	currently	currently	ADV
ahmr-864	244	59	the	the	DET
ahmr-864	244	60	case	case	NOUN
ahmr-864	244	61	with	with	ADP
ahmr-864	244	62	back	back	ADJ
ahmr-864	244	63	-	-	PUNCT
ahmr-864	244	64	end	end	NOUN
ahmr-864	244	65	wholesale	wholesale	ADJ
ahmr-864	244	66	customers	customer	NOUN
ahmr-864	244	67	.	.	PUNCT
ahmr-864	245	1	this	this	PRON
ahmr-864	245	2	should	should	AUX
ahmr-864	245	3	be	be	AUX
ahmr-864	245	4	aligned	align	VERB
ahmr-864	245	5	with	with	ADP
ahmr-864	245	6	the	the	DET
ahmr-864	245	7	framework	framework	NOUN
ahmr-864	245	8	issued	issue	VERB
ahmr-864	245	9	by	by	ADP
ahmr-864	245	10	the	the	DET
ahmr-864	245	11	financial	financial	ADJ
ahmr-864	245	12	surveillance	surveillance	NOUN
ahmr-864	245	13	department	department	NOUN
ahmr-864	245	14	with	with	ADP
ahmr-864	245	15	regard	regard	NOUN
ahmr-864	245	16	to	to	ADP
ahmr-864	245	17	cross	cross	ADJ
ahmr-864	245	18	-	-	ADJ
ahmr-864	245	19	border	border	ADJ
ahmr-864	245	20	money	money	NOUN
ahmr-864	245	21	remittances	remittance	NOUN
ahmr-864	245	22	,	,	PUNCT
ahmr-864	245	23	as	as	ADV
ahmr-864	245	24	well	well	ADV
ahmr-864	245	25	as	as	ADP
ahmr-864	245	26	the	the	DET
ahmr-864	245	27	payment	payment	NOUN
ahmr-864	245	28	aspects	aspect	NOUN
ahmr-864	245	29	of	of	ADP
ahmr-864	245	30	financial	financial	ADJ
ahmr-864	245	31	inclusion	inclusion	NOUN
ahmr-864	245	32	(	(	PUNCT
ahmr-864	245	33	pafi	pafi	NOUN
ahmr-864	245	34	)	)	PUNCT
ahmr-864	245	35	report	report	NOUN
ahmr-864	245	36	,	,	PUNCT
ahmr-864	245	37	issued	issue	VERB
ahmr-864	245	38	by	by	ADP
ahmr-864	245	39	the	the	DET
ahmr-864	245	40	world	world	PROPN
ahmr-864	245	41	bank	bank	PROPN
ahmr-864	245	42	and	and	CCONJ
ahmr-864	245	43	the	the	DET
ahmr-864	245	44	payment	payment	NOUN
ahmr-864	245	45	and	and	CCONJ
ahmr-864	245	46	financial	financial	ADJ
ahmr-864	245	47	market	market	NOUN
ahmr-864	245	48	infrastructure	infrastructure	NOUN
ahmr-864	245	49	committee	committee	NOUN
ahmr-864	245	50	of	of	ADP
ahmr-864	245	51	the	the	DET
ahmr-864	245	52	bank	bank	NOUN
ahmr-864	245	53	for	for	ADP
ahmr-864	245	54	international	international	ADJ
ahmr-864	245	55	settlements	settlement	NOUN
ahmr-864	245	56	(	(	PUNCT
ahmr-864	245	57	bis	bis	ADJ
ahmr-864	245	58	and	and	CCONJ
ahmr-864	245	59	world	world	PROPN
ahmr-864	245	60	bank	bank	PROPN
ahmr-864	245	61	,	,	PUNCT
ahmr-864	245	62	2016	2016	NUM
ahmr-864	245	63	)	)	PUNCT
ahmr-864	245	64	.	.	PUNCT
ahmr-864	246	1	the	the	DET
ahmr-864	246	2	regulatory	regulatory	ADJ
ahmr-864	246	3	framework	framework	NOUN
ahmr-864	246	4	should	should	AUX
ahmr-864	246	5	provide	provide	VERB
ahmr-864	246	6	a	a	DET
ahmr-864	246	7	clear	clear	ADJ
ahmr-864	246	8	description	description	NOUN
ahmr-864	246	9	of	of	ADP
ahmr-864	246	10	payment	payment	NOUN
ahmr-864	246	11	services	service	NOUN
ahmr-864	246	12	,	,	PUNCT
ahmr-864	246	13	a	a	DET
ahmr-864	246	14	threshold	threshold	NOUN
ahmr-864	246	15	in	in	ADP
ahmr-864	246	16	respect	respect	NOUN
ahmr-864	246	17	of	of	ADP
ahmr-864	246	18	low	low	ADJ
ahmr-864	246	19	-	-	PUNCT
ahmr-864	246	20	value	value	NOUN
ahmr-864	246	21	transactions	transaction	NOUN
ahmr-864	246	22	,	,	PUNCT
ahmr-864	246	23	the	the	DET
ahmr-864	246	24	consumer	consumer	NOUN
ahmr-864	246	25	protection	protection	NOUN
ahmr-864	246	26	of	of	ADP
ahmr-864	246	27	the	the	DET
ahmr-864	246	28	funds	fund	NOUN
ahmr-864	246	29	,	,	PUNCT
ahmr-864	246	30	capital	capital	NOUN
ahmr-864	246	31	/	/	SYM
ahmr-864	246	32	prudential	prudential	ADJ
ahmr-864	246	33	requirements	requirement	NOUN
ahmr-864	246	34	,	,	PUNCT
ahmr-864	246	35	how	how	SCONJ
ahmr-864	246	36	the	the	DET
ahmr-864	246	37	system	system	NOUN
ahmr-864	246	38	would	would	AUX
ahmr-864	246	39	operate	operate	VERB
ahmr-864	246	40	timeously	timeously	ADV
ahmr-864	246	41	,	,	PUNCT
ahmr-864	246	42	interoperability	interoperability	NOUN
ahmr-864	246	43	,	,	PUNCT
ahmr-864	246	44	interest	interest	NOUN
ahmr-864	246	45	accrued	accrue	VERB
ahmr-864	246	46	,	,	PUNCT
ahmr-864	246	47	clearing	clearing	NOUN
ahmr-864	246	48	and	and	CCONJ
ahmr-864	246	49	settlement	settlement	NOUN
ahmr-864	246	50	of	of	ADP
ahmr-864	246	51	transactions	transaction	NOUN
ahmr-864	246	52	,	,	PUNCT
ahmr-864	246	53	provisions	provision	NOUN
ahmr-864	246	54	for	for	ADP
ahmr-864	246	55	anti	anti	ADJ
ahmr-864	246	56	-	-	ADJ
ahmr-864	246	57	money	money	ADJ
ahmr-864	246	58	laundering	laundering	NOUN
ahmr-864	246	59	and	and	CCONJ
ahmr-864	246	60	combatting	combat	VERB
ahmr-864	246	61	financing	financing	NOUN
ahmr-864	246	62	of	of	ADP
ahmr-864	246	63	terrorism	terrorism	NOUN
ahmr-864	246	64	,	,	PUNCT
ahmr-864	246	65	supervision	supervision	NOUN
ahmr-864	246	66	,	,	PUNCT
ahmr-864	246	67	amongst	amongst	ADP
ahmr-864	246	68	other	other	ADJ
ahmr-864	246	69	things	thing	NOUN
ahmr-864	246	70	.	.	PUNCT
ahmr-864	247	1	the	the	DET
ahmr-864	247	2	opportunity	opportunity	NOUN
ahmr-864	247	3	exists	exist	VERB
ahmr-864	247	4	to	to	AUX
ahmr-864	247	5	more	more	ADV
ahmr-864	247	6	fully	fully	ADV
ahmr-864	247	7	capture	capture	VERB
ahmr-864	247	8	the	the	DET
ahmr-864	247	9	use	use	NOUN
ahmr-864	247	10	of	of	ADP
ahmr-864	247	11	remittances	remittance	NOUN
ahmr-864	247	12	as	as	ADP
ahmr-864	247	13	a	a	DET
ahmr-864	247	14	channel	channel	NOUN
ahmr-864	247	15	for	for	ADP
ahmr-864	247	16	financial	financial	ADJ
ahmr-864	247	17	inclusion	inclusion	NOUN
ahmr-864	247	18	.	.	PUNCT
ahmr-864	248	1	this	this	PRON
ahmr-864	248	2	can	can	AUX
ahmr-864	248	3	be	be	AUX
ahmr-864	248	4	done	do	VERB
ahmr-864	248	5	if	if	SCONJ
ahmr-864	248	6	market	market	NOUN
ahmr-864	248	7	participants	participant	NOUN
ahmr-864	248	8	build	build	VERB
ahmr-864	248	9	more	more	ADV
ahmr-864	248	10	seamless	seamless	ADJ
ahmr-864	248	11	63	63	NUM
ahmr-864	248	12	connections	connection	NOUN
ahmr-864	248	13	between	between	ADP
ahmr-864	248	14	remittance	remittance	NOUN
ahmr-864	248	15	transfer	transfer	NOUN
ahmr-864	248	16	products	product	NOUN
ahmr-864	248	17	and	and	CCONJ
ahmr-864	248	18	other	other	ADJ
ahmr-864	248	19	financial	financial	ADJ
ahmr-864	248	20	services	service	NOUN
ahmr-864	248	21	.	.	PUNCT
ahmr-864	249	1	this	this	PRON
ahmr-864	249	2	could	could	AUX
ahmr-864	249	3	include	include	VERB
ahmr-864	249	4	:	:	PUNCT
ahmr-864	249	5	evolving	evolve	VERB
ahmr-864	249	6	offerings	offering	NOUN
ahmr-864	249	7	for	for	ADP
ahmr-864	249	8	interoperability	interoperability	NOUN
ahmr-864	249	9	;	;	PUNCT
ahmr-864	249	10	increasing	increase	VERB
ahmr-864	249	11	flexible	flexible	ADJ
ahmr-864	249	12	send	send	NOUN
ahmr-864	249	13	-	-	PUNCT
ahmr-864	249	14	options	option	NOUN
ahmr-864	249	15	(	(	PUNCT
ahmr-864	249	16	whether	whether	SCONJ
ahmr-864	249	17	mobile	mobile	ADJ
ahmr-864	249	18	,	,	PUNCT
ahmr-864	249	19	retail	retail	ADJ
ahmr-864	249	20	,	,	PUNCT
ahmr-864	249	21	atm	atm	ADJ
ahmr-864	249	22	/	/	SYM
ahmr-864	249	23	bank	bank	NOUN
ahmr-864	249	24	branch	branch	NOUN
ahmr-864	249	25	)	)	PUNCT
ahmr-864	249	26	;	;	PUNCT
ahmr-864	249	27	enabling	enable	VERB
ahmr-864	249	28	choice	choice	NOUN
ahmr-864	249	29	of	of	ADP
ahmr-864	249	30	most	most	ADV
ahmr-864	249	31	convenient	convenient	ADJ
ahmr-864	249	32	and	and	CCONJ
ahmr-864	249	33	comfortable	comfortable	ADJ
ahmr-864	249	34	channels	channel	NOUN
ahmr-864	249	35	and	and	CCONJ
ahmr-864	249	36	receipt	receipt	NOUN
ahmr-864	249	37	options	option	NOUN
ahmr-864	249	38	to	to	PART
ahmr-864	249	39	make	make	VERB
ahmr-864	249	40	digital	digital	ADJ
ahmr-864	249	41	payments	payment	NOUN
ahmr-864	249	42	using	use	VERB
ahmr-864	249	43	remittances	remittance	NOUN
ahmr-864	249	44	received	receive	VERB
ahmr-864	249	45	,	,	PUNCT
ahmr-864	249	46	etc	etc	X
ahmr-864	249	47	.	.	X
ahmr-864	250	1	if	if	SCONJ
ahmr-864	250	2	providers	provider	NOUN
ahmr-864	250	3	of	of	ADP
ahmr-864	250	4	remittance	remittance	NOUN
ahmr-864	250	5	services	service	NOUN
ahmr-864	250	6	were	be	AUX
ahmr-864	250	7	to	to	PART
ahmr-864	250	8	partner	partner	VERB
ahmr-864	250	9	with	with	ADP
ahmr-864	250	10	merchant	merchant	NOUN
ahmr-864	250	11	payment	payment	NOUN
ahmr-864	250	12	solutions	solution	NOUN
ahmr-864	250	13	on	on	ADP
ahmr-864	250	14	merchant	merchant	NOUN
ahmr-864	250	15	networks	network	NOUN
ahmr-864	250	16	,	,	PUNCT
ahmr-864	250	17	opportunities	opportunity	NOUN
ahmr-864	250	18	exist	exist	VERB
ahmr-864	250	19	for	for	SCONJ
ahmr-864	250	20	remittance	remittance	NOUN
ahmr-864	250	21	beneficiaries	beneficiary	NOUN
ahmr-864	250	22	to	to	PART
ahmr-864	250	23	make	make	VERB
ahmr-864	250	24	electronic	electronic	ADJ
ahmr-864	250	25	payments	payment	NOUN
ahmr-864	250	26	directly	directly	ADV
ahmr-864	250	27	with	with	ADP
ahmr-864	250	28	money	money	NOUN
ahmr-864	250	29	transfers	transfer	NOUN
ahmr-864	250	30	,	,	PUNCT
ahmr-864	250	31	rather	rather	ADV
ahmr-864	250	32	than	than	ADP
ahmr-864	250	33	simply	simply	ADV
ahmr-864	250	34	cashing	cash	VERB
ahmr-864	250	35	out	out	ADP
ahmr-864	250	36	.	.	PUNCT
ahmr-864	251	1	currently	currently	ADV
ahmr-864	251	2	,	,	PUNCT
ahmr-864	251	3	since	since	SCONJ
ahmr-864	251	4	non	non	ADJ
ahmr-864	251	5	-	-	ADJ
ahmr-864	251	6	bank	bank	ADJ
ahmr-864	251	7	providers	provider	NOUN
ahmr-864	251	8	have	have	VERB
ahmr-864	251	9	to	to	PART
ahmr-864	251	10	partner	partner	VERB
ahmr-864	251	11	with	with	ADP
ahmr-864	251	12	banks	bank	NOUN
ahmr-864	251	13	,	,	PUNCT
ahmr-864	251	14	these	these	DET
ahmr-864	251	15	opportunities	opportunity	NOUN
ahmr-864	251	16	can	can	AUX
ahmr-864	251	17	not	not	PART
ahmr-864	251	18	be	be	AUX
ahmr-864	251	19	leveraged	leverage	VERB
ahmr-864	251	20	.	.	PUNCT
ahmr-864	252	1	this	this	DET
ahmr-864	252	2	paper	paper	NOUN
ahmr-864	252	3	proposes	propose	VERB
ahmr-864	252	4	that	that	SCONJ
ahmr-864	252	5	the	the	DET
ahmr-864	252	6	nps	nps	PROPN
ahmr-864	252	7	act	act	NOUN
ahmr-864	252	8	should	should	AUX
ahmr-864	252	9	be	be	AUX
ahmr-864	252	10	amended	amend	VERB
ahmr-864	252	11	to	to	PART
ahmr-864	252	12	allow	allow	VERB
ahmr-864	252	13	non	non	NOUN
ahmr-864	252	14	-	-	NOUN
ahmr-864	252	15	banks	bank	NOUN
ahmr-864	252	16	to	to	PART
ahmr-864	252	17	settle	settle	VERB
ahmr-864	252	18	transactions	transaction	NOUN
ahmr-864	252	19	in	in	ADP
ahmr-864	252	20	samos	samos	PROPN
ahmr-864	252	21	,	,	PUNCT
ahmr-864	252	22	subject	subject	ADJ
ahmr-864	252	23	to	to	ADP
ahmr-864	252	24	applicable	applicable	ADJ
ahmr-864	252	25	requirements	requirement	NOUN
ahmr-864	252	26	,	,	PUNCT
ahmr-864	252	27	particularly	particularly	ADV
ahmr-864	252	28	risk	risk	NOUN
ahmr-864	252	29	mitigation	mitigation	NOUN
ahmr-864	252	30	measures	measure	NOUN
ahmr-864	252	31	,	,	PUNCT
ahmr-864	252	32	capital	capital	NOUN
ahmr-864	252	33	,	,	PUNCT
ahmr-864	252	34	liquidity	liquidity	NOUN
ahmr-864	252	35	,	,	PUNCT
ahmr-864	252	36	collateral	collateral	NOUN
ahmr-864	252	37	or	or	CCONJ
ahmr-864	252	38	pre	pre	ADJ
ahmr-864	252	39	-	-	ADJ
ahmr-864	252	40	funding	funding	ADJ
ahmr-864	252	41	requirements	requirement	NOUN
ahmr-864	252	42	,	,	PUNCT
ahmr-864	252	43	and	and	CCONJ
ahmr-864	252	44	so	so	ADV
ahmr-864	252	45	on	on	ADV
ahmr-864	252	46	.	.	PUNCT
ahmr-864	253	1	in	in	ADP
ahmr-864	253	2	this	this	DET
ahmr-864	253	3	regard	regard	NOUN
ahmr-864	253	4	,	,	PUNCT
ahmr-864	253	5	the	the	DET
ahmr-864	253	6	nps	nps	PROPN
ahmr-864	253	7	act	act	NOUN
ahmr-864	253	8	should	should	AUX
ahmr-864	253	9	have	have	VERB
ahmr-864	253	10	an	an	DET
ahmr-864	253	11	enabling	enable	VERB
ahmr-864	253	12	provision	provision	NOUN
ahmr-864	253	13	in	in	ADP
ahmr-864	253	14	order	order	NOUN
ahmr-864	253	15	to	to	PART
ahmr-864	253	16	designate	designate	VERB
ahmr-864	253	17	non	non	NOUN
ahmr-864	253	18	-	-	NOUN
ahmr-864	253	19	banks	bank	NOUN
ahmr-864	253	20	as	as	ADP
ahmr-864	253	21	settlement	settlement	NOUN
ahmr-864	253	22	system	system	NOUN
ahmr-864	253	23	participants	participant	NOUN
ahmr-864	253	24	.	.	PUNCT
ahmr-864	254	1	conclusion	conclusion	NOUN
ahmr-864	254	2	this	this	DET
ahmr-864	254	3	paper	paper	NOUN
ahmr-864	254	4	has	have	AUX
ahmr-864	254	5	presented	present	VERB
ahmr-864	254	6	an	an	DET
ahmr-864	254	7	exposition	exposition	NOUN
ahmr-864	254	8	of	of	ADP
ahmr-864	254	9	the	the	DET
ahmr-864	254	10	various	various	ADJ
ahmr-864	254	11	arrangements	arrangement	NOUN
ahmr-864	254	12	commonly	commonly	ADV
ahmr-864	254	13	put	put	VERB
ahmr-864	254	14	in	in	ADP
ahmr-864	254	15	place	place	NOUN
ahmr-864	254	16	by	by	ADP
ahmr-864	254	17	rsps	rsp	NOUN
ahmr-864	254	18	to	to	PART
ahmr-864	254	19	allow	allow	VERB
ahmr-864	254	20	for	for	SCONJ
ahmr-864	254	21	funds	fund	NOUN
ahmr-864	254	22	to	to	PART
ahmr-864	254	23	be	be	AUX
ahmr-864	254	24	transferred	transfer	VERB
ahmr-864	254	25	from	from	ADP
ahmr-864	254	26	a	a	DET
ahmr-864	254	27	sender	sender	NOUN
ahmr-864	254	28	to	to	ADP
ahmr-864	254	29	a	a	DET
ahmr-864	254	30	recipient	recipient	NOUN
ahmr-864	254	31	across	across	ADP
ahmr-864	254	32	the	the	DET
ahmr-864	254	33	country	country	NOUN
ahmr-864	254	34	,	,	PUNCT
ahmr-864	254	35	outlining	outline	VERB
ahmr-864	254	36	the	the	DET
ahmr-864	254	37	payment	payment	NOUN
ahmr-864	254	38	system	system	NOUN
ahmr-864	254	39	aspects	aspect	NOUN
ahmr-864	254	40	of	of	ADP
ahmr-864	254	41	the	the	DET
ahmr-864	254	42	domestic	domestic	ADJ
ahmr-864	254	43	remittance	remittance	NOUN
ahmr-864	254	44	industry	industry	NOUN
ahmr-864	254	45	.	.	PUNCT
ahmr-864	255	1	in	in	ADP
ahmr-864	255	2	doing	do	VERB
ahmr-864	255	3	so	so	ADV
ahmr-864	255	4	,	,	PUNCT
ahmr-864	255	5	it	it	PRON
ahmr-864	255	6	described	describe	VERB
ahmr-864	255	7	the	the	DET
ahmr-864	255	8	various	various	ADJ
ahmr-864	255	9	rsps	rsp	NOUN
ahmr-864	255	10	as	as	ADV
ahmr-864	255	11	well	well	ADV
ahmr-864	255	12	the	the	DET
ahmr-864	255	13	different	different	ADJ
ahmr-864	255	14	channels	channel	NOUN
ahmr-864	255	15	through	through	ADP
ahmr-864	255	16	which	which	PRON
ahmr-864	255	17	remittances	remittance	NOUN
ahmr-864	255	18	are	be	AUX
ahmr-864	255	19	sent	send	VERB
ahmr-864	255	20	.	.	PUNCT
ahmr-864	256	1	the	the	DET
ahmr-864	256	2	paper	paper	NOUN
ahmr-864	256	3	further	far	ADV
ahmr-864	256	4	examined	examine	VERB
ahmr-864	256	5	domestic	domestic	ADJ
ahmr-864	256	6	remittances	remittance	NOUN
ahmr-864	256	7	within	within	ADP
ahmr-864	256	8	the	the	DET
ahmr-864	256	9	context	context	NOUN
ahmr-864	256	10	of	of	ADP
ahmr-864	256	11	the	the	DET
ahmr-864	256	12	regulatory	regulatory	ADJ
ahmr-864	256	13	framework	framework	NOUN
ahmr-864	256	14	of	of	ADP
ahmr-864	256	15	the	the	DET
ahmr-864	256	16	nps	nps	PROPN
ahmr-864	256	17	in	in	ADP
ahmr-864	256	18	south	south	PROPN
ahmr-864	256	19	africa	africa	PROPN
ahmr-864	256	20	,	,	PUNCT
ahmr-864	256	21	delineated	delineate	VERB
ahmr-864	256	22	the	the	DET
ahmr-864	256	23	current	current	ADJ
ahmr-864	256	24	regulatory	regulatory	ADJ
ahmr-864	256	25	gaps	gap	NOUN
ahmr-864	256	26	and	and	CCONJ
ahmr-864	256	27	made	make	VERB
ahmr-864	256	28	recommendations	recommendation	NOUN
ahmr-864	256	29	for	for	ADP
ahmr-864	256	30	inclusion	inclusion	NOUN
ahmr-864	256	31	in	in	ADP
ahmr-864	256	32	a	a	DET
ahmr-864	256	33	regulatory	regulatory	ADJ
ahmr-864	256	34	framework	framework	NOUN
ahmr-864	256	35	and	and	CCONJ
ahmr-864	256	36	subsequent	subsequent	ADJ
ahmr-864	256	37	revision	revision	NOUN
ahmr-864	256	38	of	of	ADP
ahmr-864	256	39	the	the	DET
ahmr-864	256	40	nps	nps	PROPN
ahmr-864	256	41	act	act	PROPN
ahmr-864	256	42	.	.	PUNCT
ahmr-864	257	1	these	these	DET
ahmr-864	257	2	recommendations	recommendation	NOUN
ahmr-864	257	3	pertain	pertain	VERB
ahmr-864	257	4	to	to	ADP
ahmr-864	257	5	the	the	DET
ahmr-864	257	6	inadequacy	inadequacy	NOUN
ahmr-864	257	7	of	of	ADP
ahmr-864	257	8	section	section	NOUN
ahmr-864	257	9	7	7	NUM
ahmr-864	257	10	of	of	ADP
ahmr-864	257	11	the	the	DET
ahmr-864	257	12	nps	nps	PROPN
ahmr-864	257	13	act	act	NOUN
ahmr-864	257	14	and	and	CCONJ
ahmr-864	257	15	put	put	VERB
ahmr-864	257	16	forward	forward	ADP
ahmr-864	257	17	suggestions	suggestion	NOUN
ahmr-864	257	18	relating	relate	VERB
ahmr-864	257	19	to	to	ADP
ahmr-864	257	20	the	the	DET
ahmr-864	257	21	licensing	licensing	NOUN
ahmr-864	257	22	of	of	ADP
ahmr-864	257	23	remittance	remittance	NOUN
ahmr-864	257	24	services	service	NOUN
ahmr-864	257	25	as	as	ADP
ahmr-864	257	26	payment	payment	NOUN
ahmr-864	257	27	services	service	NOUN
ahmr-864	257	28	.	.	PUNCT
ahmr-864	258	1	once	once	SCONJ
ahmr-864	258	2	the	the	DET
ahmr-864	258	3	amendment	amendment	NOUN
ahmr-864	258	4	to	to	PART
ahmr-864	258	5	section	section	VERB
ahmr-864	258	6	7	7	NUM
ahmr-864	258	7	is	be	AUX
ahmr-864	258	8	effected	effect	VERB
ahmr-864	258	9	,	,	PUNCT
ahmr-864	258	10	the	the	DET
ahmr-864	258	11	sarb	sarb	PROPN
ahmr-864	258	12	would	would	AUX
ahmr-864	258	13	be	be	AUX
ahmr-864	258	14	able	able	ADJ
ahmr-864	258	15	to	to	PART
ahmr-864	258	16	license	license	VERB
ahmr-864	258	17	and	and	CCONJ
ahmr-864	258	18	lay	lie	VERB
ahmr-864	258	19	down	down	ADP
ahmr-864	258	20	standards	standard	NOUN
ahmr-864	258	21	for	for	ADP
ahmr-864	258	22	the	the	DET
ahmr-864	258	23	prudential	prudential	ADJ
ahmr-864	258	24	and	and	CCONJ
ahmr-864	258	25	market	market	NOUN
ahmr-864	258	26	conduct	conduct	NOUN
ahmr-864	258	27	of	of	ADP
ahmr-864	258	28	the	the	DET
ahmr-864	258	29	remittance	remittance	NOUN
ahmr-864	258	30	service	service	NOUN
ahmr-864	258	31	operators	operator	NOUN
ahmr-864	258	32	and	and	CCONJ
ahmr-864	258	33	subject	subject	ADJ
ahmr-864	258	34	remittances	remittance	NOUN
ahmr-864	258	35	to	to	PART
ahmr-864	258	36	oversight	oversight	NOUN
ahmr-864	258	37	.	.	PUNCT
ahmr-864	259	1	this	this	DET
ahmr-864	259	2	paper	paper	NOUN
ahmr-864	259	3	should	should	AUX
ahmr-864	259	4	broaden	broaden	VERB
ahmr-864	259	5	the	the	DET
ahmr-864	259	6	understanding	understanding	NOUN
ahmr-864	259	7	of	of	ADP
ahmr-864	259	8	the	the	DET
ahmr-864	259	9	regulatory	regulatory	ADJ
ahmr-864	259	10	gaps	gap	NOUN
ahmr-864	259	11	in	in	ADP
ahmr-864	259	12	the	the	DET
ahmr-864	259	13	regulation	regulation	NOUN
ahmr-864	259	14	of	of	ADP
ahmr-864	259	15	the	the	DET
ahmr-864	259	16	south	south	ADJ
ahmr-864	259	17	african	african	ADJ
ahmr-864	259	18	remittance	remittance	NOUN
ahmr-864	259	19	industry	industry	NOUN
ahmr-864	259	20	,	,	PUNCT
ahmr-864	259	21	for	for	ADP
ahmr-864	259	22	those	those	PRON
ahmr-864	259	23	operating	operate	VERB
ahmr-864	259	24	in	in	ADP
ahmr-864	259	25	this	this	DET
ahmr-864	259	26	industry	industry	NOUN
ahmr-864	259	27	as	as	ADV
ahmr-864	259	28	well	well	ADV
ahmr-864	259	29	as	as	ADP
ahmr-864	259	30	the	the	DET
ahmr-864	259	31	regulators	regulator	NOUN
ahmr-864	259	32	.	.	PUNCT
ahmr-864	260	1	the	the	DET
ahmr-864	260	2	author	author	NOUN
ahmr-864	260	3	argues	argue	VERB
ahmr-864	260	4	that	that	SCONJ
ahmr-864	260	5	unless	unless	SCONJ
ahmr-864	260	6	the	the	DET
ahmr-864	260	7	risk	risk	NOUN
ahmr-864	260	8	-	-	PUNCT
ahmr-864	260	9	based	base	VERB
ahmr-864	260	10	approach	approach	NOUN
ahmr-864	260	11	is	be	AUX
ahmr-864	260	12	complemented	complement	VERB
ahmr-864	260	13	by	by	ADP
ahmr-864	260	14	a	a	DET
ahmr-864	260	15	framework	framework	NOUN
ahmr-864	260	16	for	for	ADP
ahmr-864	260	17	the	the	DET
ahmr-864	260	18	oversight	oversight	NOUN
ahmr-864	260	19	of	of	ADP
ahmr-864	260	20	international	international	ADJ
ahmr-864	260	21	remittances	remittance	NOUN
ahmr-864	260	22	,	,	PUNCT
ahmr-864	260	23	a	a	DET
ahmr-864	260	24	proper	proper	ADJ
ahmr-864	260	25	balance	balance	NOUN
ahmr-864	260	26	between	between	ADP
ahmr-864	260	27	the	the	DET
ahmr-864	260	28	priorities	priority	NOUN
ahmr-864	260	29	of	of	ADP
ahmr-864	260	30	financial	financial	ADJ
ahmr-864	260	31	inclusion	inclusion	NOUN
ahmr-864	260	32	and	and	CCONJ
ahmr-864	260	33	financial	financial	ADJ
ahmr-864	260	34	integrity	integrity	NOUN
ahmr-864	260	35	will	will	AUX
ahmr-864	260	36	not	not	PART
ahmr-864	260	37	be	be	AUX
ahmr-864	260	38	reached	reach	VERB
ahmr-864	260	39	.	.	PUNCT
ahmr-864	261	1	the	the	DET
ahmr-864	261	2	government	government	NOUN
ahmr-864	261	3	appears	appear	VERB
ahmr-864	261	4	to	to	PART
ahmr-864	261	5	be	be	AUX
ahmr-864	261	6	serious	serious	ADJ
ahmr-864	261	7	about	about	ADP
ahmr-864	261	8	promoting	promote	VERB
ahmr-864	261	9	financial	financial	ADJ
ahmr-864	261	10	inclusion	inclusion	NOUN
ahmr-864	261	11	as	as	ADP
ahmr-864	261	12	one	one	NUM
ahmr-864	261	13	of	of	ADP
ahmr-864	261	14	its	its	PRON
ahmr-864	261	15	key	key	ADJ
ahmr-864	261	16	priorities	priority	NOUN
ahmr-864	261	17	.	.	PUNCT
ahmr-864	262	1	domestic	domestic	ADJ
ahmr-864	262	2	remittances	remittance	NOUN
ahmr-864	262	3	can	can	AUX
ahmr-864	262	4	be	be	AUX
ahmr-864	262	5	a	a	DET
ahmr-864	262	6	contributor	contributor	NOUN
ahmr-864	262	7	towards	towards	ADP
ahmr-864	262	8	this	this	DET
ahmr-864	262	9	priority	priority	NOUN
ahmr-864	262	10	if	if	SCONJ
ahmr-864	262	11	the	the	DET
ahmr-864	262	12	obstacles	obstacle	NOUN
ahmr-864	262	13	highlighted	highlight	VERB
ahmr-864	262	14	in	in	ADP
ahmr-864	262	15	this	this	DET
ahmr-864	262	16	paper	paper	NOUN
ahmr-864	262	17	can	can	AUX
ahmr-864	262	18	be	be	AUX
ahmr-864	262	19	overcome	overcome	VERB
ahmr-864	262	20	.	.	PUNCT
ahmr-864	263	1	in	in	ADP
ahmr-864	263	2	conclusion	conclusion	NOUN
ahmr-864	263	3	,	,	PUNCT
ahmr-864	263	4	it	it	PRON
ahmr-864	263	5	is	be	AUX
ahmr-864	263	6	worth	worth	ADJ
ahmr-864	263	7	noting	note	VERB
ahmr-864	263	8	guiding	guide	VERB
ahmr-864	263	9	principle	principle	NOUN
ahmr-864	263	10	2	2	NUM
ahmr-864	263	11	of	of	ADP
ahmr-864	263	12	the	the	DET
ahmr-864	263	13	payment	payment	NOUN
ahmr-864	263	14	aspects	aspect	NOUN
ahmr-864	263	15	of	of	ADP
ahmr-864	263	16	financial	financial	ADJ
ahmr-864	263	17	inclusion	inclusion	NOUN
ahmr-864	263	18	(	(	PUNCT
ahmr-864	263	19	pafi	pafi	NOUN
ahmr-864	263	20	)	)	PUNCT
ahmr-864	263	21	report	report	NOUN
ahmr-864	263	22	as	as	SCONJ
ahmr-864	263	23	follows	follow	VERB
ahmr-864	263	24	:	:	PUNCT
ahmr-864	263	25	towards	towards	ADP
ahmr-864	263	26	a	a	DET
ahmr-864	263	27	legal	legal	ADJ
ahmr-864	263	28	and	and	CCONJ
ahmr-864	263	29	regulatory	regulatory	ADJ
ahmr-864	263	30	framework	framework	NOUN
ahmr-864	263	31	for	for	ADP
ahmr-864	263	32	south	south	ADJ
ahmr-864	263	33	african	african	ADJ
ahmr-864	263	34	domestic	domestic	ADJ
ahmr-864	263	35	remittances	remittance	NOUN
ahmr-864	263	36	64	64	NUM
ahmr-864	263	37	ahmr	ahmr	NOUN
ahmr-864	263	38	african	african	PROPN
ahmr-864	263	39	human	human	PROPN
ahmr-864	263	40	mobilty	mobilty	PROPN
ahmr-864	263	41	review	review	NOUN
ahmr-864	263	42	volume	volume	NOUN
ahmr-864	263	43	7	7	NUM
ahmr-864	263	44	no	no	DET
ahmr-864	263	45	1	1	NUM
ahmr-864	263	46	,	,	PUNCT
ahmr-864	263	47	jan	jan	NOUN
ahmr-864	263	48	-	-	PUNCT
ahmr-864	263	49	apr	apr	NOUN
ahmr-864	263	50	2021	2021	NUM
ahmr-864	263	51	the	the	DET
ahmr-864	263	52	legal	legal	ADJ
ahmr-864	263	53	and	and	CCONJ
ahmr-864	263	54	regulatory	regulatory	ADJ
ahmr-864	263	55	framework	framework	NOUN
ahmr-864	263	56	underpins	underpin	VERB
ahmr-864	263	57	financial	financial	ADJ
ahmr-864	263	58	inclusion	inclusion	NOUN
ahmr-864	263	59	by	by	ADP
ahmr-864	263	60	effectively	effectively	ADV
ahmr-864	263	61	addressing	address	VERB
ahmr-864	263	62	all	all	DET
ahmr-864	263	63	relevant	relevant	ADJ
ahmr-864	263	64	risks	risk	NOUN
ahmr-864	263	65	and	and	CCONJ
ahmr-864	263	66	by	by	ADP
ahmr-864	263	67	protecting	protect	VERB
ahmr-864	263	68	consumers	consumer	NOUN
ahmr-864	263	69	,	,	PUNCT
ahmr-864	263	70	while	while	SCONJ
ahmr-864	263	71	at	at	ADP
ahmr-864	263	72	the	the	DET
ahmr-864	263	73	same	same	ADJ
ahmr-864	263	74	time	time	NOUN
ahmr-864	263	75	fostering	foster	VERB
ahmr-864	263	76	innovation	innovation	NOUN
ahmr-864	263	77	and	and	CCONJ
ahmr-864	263	78	competition	competition	NOUN
ahmr-864	263	79	(	(	PUNCT
ahmr-864	263	80	bis	bis	ADJ
ahmr-864	263	81	and	and	CCONJ
ahmr-864	263	82	world	world	PROPN
ahmr-864	263	83	bank	bank	PROPN
ahmr-864	263	84	,	,	PUNCT
ahmr-864	263	85	2016	2016	NUM
ahmr-864	263	86	:	:	PUNCT
ahmr-864	263	87	60	60	NUM
ahmr-864	263	88	)	)	PUNCT
ahmr-864	263	89	.	.	PUNCT
ahmr-864	264	1	65	65	NUM
ahmr-864	264	2	references	reference	NOUN
ahmr-864	264	3	abdul	abdul	PROPN
ahmr-864	264	4	azeez	azeez	PROPN
ahmr-864	264	5	,	,	PUNCT
ahmr-864	264	6	a.	a.	NOUN
ahmr-864	264	7	and	and	CCONJ
ahmr-864	264	8	begum	begum	PROPN
ahmr-864	264	9	,	,	PUNCT
ahmr-864	264	10	m.	m.	NOUN
ahmr-864	264	11	2009	2009	NUM
ahmr-864	264	12	.	.	PUNCT
ahmr-864	265	1	international	international	ADJ
ahmr-864	265	2	remittances	remittance	NOUN
ahmr-864	265	3	:	:	PUNCT
ahmr-864	265	4	a	a	DET
ahmr-864	265	5	source	source	NOUN
ahmr-864	265	6	of	of	ADP
ahmr-864	265	7	development	development	NOUN
ahmr-864	265	8	finance	finance	NOUN
ahmr-864	265	9	.	.	PUNCT
ahmr-864	266	1	international	international	ADJ
ahmr-864	266	2	ngo	ngo	PROPN
ahmr-864	266	3	journal	journal	PROPN
ahmr-864	266	4	,	,	PUNCT
ahmr-864	266	5	4(5	4(5	PROPN
ahmr-864	266	6	):	):	PUNCT
ahmr-864	266	7	299	299	NUM
ahmr-864	266	8	-	-	SYM
ahmr-864	266	9	304	304	NUM
ahmr-864	266	10	.	.	PUNCT
ahmr-864	266	11	abida	abida	PROPN
ahmr-864	266	12	,	,	PUNCT
ahmr-864	266	13	z.	z.	PROPN
ahmr-864	266	14	,	,	PUNCT
ahmr-864	266	15	and	and	CCONJ
ahmr-864	266	16	sghaier	sghaier	ADV
ahmr-864	266	17	,	,	PUNCT
ahmr-864	266	18	i.m	i.m	PROPN
ahmr-864	266	19	.	.	PROPN
ahmr-864	266	20	2014	2014	NUM
ahmr-864	266	21	.	.	PUNCT
ahmr-864	267	1	remittances	remittance	NOUN
ahmr-864	267	2	,	,	PUNCT
ahmr-864	267	3	financial	financial	ADJ
ahmr-864	267	4	development	development	NOUN
ahmr-864	267	5	and	and	CCONJ
ahmr-864	267	6	economic	economic	ADJ
ahmr-864	267	7	growth	growth	NOUN
ahmr-864	267	8	:	:	PUNCT
ahmr-864	267	9	the	the	DET
ahmr-864	267	10	case	case	NOUN
ahmr-864	267	11	of	of	ADP
ahmr-864	267	12	north	north	ADJ
ahmr-864	267	13	african	african	ADJ
ahmr-864	267	14	countries	country	NOUN
ahmr-864	267	15	.	.	PUNCT
ahmr-864	268	1	romanian	romanian	ADJ
ahmr-864	268	2	economic	economic	ADJ
ahmr-864	268	3	journal	journal	NOUN
ahmr-864	268	4	,	,	PUNCT
ahmr-864	268	5	17(51	17(51	NUM
ahmr-864	268	6	):	):	PUNCT
ahmr-864	268	7	22	22	NUM
ahmr-864	268	8	-	-	SYM
ahmr-864	268	9	34	34	NUM
ahmr-864	268	10	.	.	PUNCT
ahmr-864	269	1	adarkwa	adarkwa	PROPN
ahmr-864	269	2	,	,	PUNCT
ahmr-864	269	3	m.a	m.a	PROPN
ahmr-864	269	4	.	.	PROPN
ahmr-864	269	5	2015	2015	NUM
ahmr-864	269	6	.	.	PUNCT
ahmr-864	270	1	impact	impact	NOUN
ahmr-864	270	2	of	of	ADP
ahmr-864	270	3	remittances	remittance	NOUN
ahmr-864	270	4	on	on	ADP
ahmr-864	270	5	economic	economic	ADJ
ahmr-864	270	6	growth	growth	NOUN
ahmr-864	270	7	:	:	PUNCT
ahmr-864	270	8	evidence	evidence	NOUN
ahmr-864	270	9	from	from	ADP
ahmr-864	270	10	selected	select	VERB
ahmr-864	270	11	west	west	ADJ
ahmr-864	270	12	african	african	ADJ
ahmr-864	270	13	countries	country	NOUN
ahmr-864	270	14	(	(	PUNCT
ahmr-864	270	15	cameroon	cameroon	PROPN
ahmr-864	270	16	,	,	PUNCT
ahmr-864	270	17	cape	cape	NOUN
ahmr-864	270	18	verde	verde	NOUN
ahmr-864	270	19	,	,	PUNCT
ahmr-864	270	20	nigeria	nigeria	PROPN
ahmr-864	270	21	and	and	CCONJ
ahmr-864	270	22	senegal	senegal	PROPN
ahmr-864	270	23	)	)	PUNCT
ahmr-864	270	24	.	.	PUNCT
ahmr-864	271	1	african	african	ADJ
ahmr-864	271	2	human	human	ADJ
ahmr-864	271	3	mobility	mobility	PROPN
ahmr-864	271	4	review	review	PROPN
ahmr-864	271	5	,	,	PUNCT
ahmr-864	271	6	1(2	1(2	NUM
ahmr-864	271	7	):	):	PUNCT
ahmr-864	271	8	177	177	NUM
ahmr-864	271	9	-	-	SYM
ahmr-864	271	10	200	200	NUM
ahmr-864	271	11	.	.	PUNCT
ahmr-864	272	1	bank	bank	PROPN
ahmr-864	272	2	for	for	ADP
ahmr-864	272	3	international	international	ADJ
ahmr-864	272	4	settlements	settlement	NOUN
ahmr-864	272	5	(	(	PUNCT
ahmr-864	272	6	bis	bis	ADJ
ahmr-864	272	7	)	)	PUNCT
ahmr-864	272	8	.	.	PUNCT
ahmr-864	273	1	1999	1999	NUM
ahmr-864	273	2	.	.	PUNCT
ahmr-864	274	1	the	the	DET
ahmr-864	274	2	payment	payment	NOUN
ahmr-864	274	3	system	system	NOUN
ahmr-864	274	4	in	in	ADP
ahmr-864	274	5	south	south	PROPN
ahmr-864	274	6	africa	africa	PROPN
ahmr-864	274	7	.	.	PUNCT
ahmr-864	275	1	payment	payment	NOUN
ahmr-864	275	2	systems	system	NOUN
ahmr-864	275	3	in	in	ADP
ahmr-864	275	4	the	the	DET
ahmr-864	275	5	southern	southern	ADJ
ahmr-864	275	6	african	african	ADJ
ahmr-864	275	7	development	development	NOUN
ahmr-864	275	8	community	community	NOUN
ahmr-864	275	9	.	.	PUNCT
ahmr-864	276	1	available	available	ADJ
ahmr-864	276	2	at	at	ADP
ahmr-864	276	3	:	:	PUNCT
ahmr-864	276	4	https://www.bis.org/publ/cpss30.pdf	https://www.bis.org/publ/cpss30.pdf	NOUN
ahmr-864	276	5	accessed	access	VERB
ahmr-864	276	6	on	on	ADP
ahmr-864	276	7	04	04	NUM
ahmr-864	276	8	may	may	PROPN
ahmr-864	276	9	2020	2020	NUM
ahmr-864	276	10	.	.	PUNCT
ahmr-864	277	1	bank	bank	NOUN
ahmr-864	277	2	for	for	ADP
ahmr-864	277	3	international	international	ADJ
ahmr-864	277	4	settlements	settlement	NOUN
ahmr-864	277	5	(	(	PUNCT
ahmr-864	277	6	bis	bis	ADJ
ahmr-864	277	7	)	)	PUNCT
ahmr-864	277	8	and	and	CCONJ
ahmr-864	277	9	world	world	PROPN
ahmr-864	277	10	bank	bank	PROPN
ahmr-864	277	11	.	.	PUNCT
ahmr-864	278	1	2016	2016	NUM
ahmr-864	278	2	.	.	PUNCT
ahmr-864	279	1	payment	payment	NOUN
ahmr-864	279	2	aspects	aspect	NOUN
ahmr-864	279	3	of	of	ADP
ahmr-864	279	4	financial	financial	ADJ
ahmr-864	279	5	inclusion	inclusion	NOUN
ahmr-864	279	6	(	(	PUNCT
ahmr-864	279	7	pafi	pafi	NOUN
ahmr-864	279	8	)	)	PUNCT
ahmr-864	279	9	report	report	NOUN
ahmr-864	279	10	.	.	PUNCT
ahmr-864	280	1	committee	committee	NOUN
ahmr-864	280	2	on	on	ADP
ahmr-864	280	3	payments	payment	NOUN
ahmr-864	280	4	and	and	CCONJ
ahmr-864	280	5	markets	market	NOUN
ahmr-864	280	6	infrastuctures	infrastucture	NOUN
ahmr-864	280	7	.	.	PUNCT
ahmr-864	280	8	available	available	ADJ
ahmr-864	280	9	at	at	ADP
ahmr-864	280	10	:	:	PUNCT
ahmr-864	280	11	https://www.bis.org/cpmi/publ/d144.pdf	https://www.bis.org/cpmi/publ/d144.pdf	NOUN
ahmr-864	280	12	accessed	access	VERB
ahmr-864	280	13	on	on	ADP
ahmr-864	280	14	04	04	NUM
ahmr-864	280	15	may	may	PROPN
ahmr-864	280	16	2020	2020	NUM
ahmr-864	280	17	.	.	PUNCT
ahmr-864	281	1	bester	bester	PROPN
ahmr-864	281	2	,	,	PUNCT
ahmr-864	281	3	h.	h.	PROPN
ahmr-864	281	4	,	,	PUNCT
ahmr-864	281	5	hougaard	hougaard	NOUN
ahmr-864	281	6	,	,	PUNCT
ahmr-864	281	7	c.	c.	PROPN
ahmr-864	281	8	and	and	CCONJ
ahmr-864	281	9	chamberlain	chamberlain	PROPN
ahmr-864	281	10	,	,	PUNCT
ahmr-864	281	11	d.	d.	PROPN
ahmr-864	281	12	2010	2010	NUM
ahmr-864	281	13	.	.	PUNCT
ahmr-864	282	1	reviewing	review	VERB
ahmr-864	282	2	the	the	DET
ahmr-864	282	3	policy	policy	NOUN
ahmr-864	282	4	framework	framework	NOUN
ahmr-864	282	5	for	for	ADP
ahmr-864	282	6	money	money	NOUN
ahmr-864	282	7	transfers	transfer	NOUN
ahmr-864	282	8	.	.	PUNCT
ahmr-864	283	1	available	available	ADJ
ahmr-864	283	2	at	at	ADP
ahmr-864	283	3	:	:	PUNCT
ahmr-864	283	4	https://cenfri.org/wp-content/	https://cenfri.org/wp-content/	PROPN
ahmr-864	283	5	uploads/2017/12	uploads/2017/12	PROPN
ahmr-864	283	6	/	/	SYM
ahmr-864	283	7	regulatory	regulatory	ADJ
ahmr-864	283	8	-	-	PUNCT
ahmr-864	283	9	framework	framework	NOUN
ahmr-864	283	10	-	-	PUNCT
ahmr-864	283	11	for	for	ADP
ahmr-864	283	12	-	-	PUNCT
ahmr-864	283	13	money	money	NOUN
ahmr-864	283	14	-	-	PUNCT
ahmr-864	283	15	transfers_south	transfers_south	NOUN
ahmr-864	283	16	-	-	PUNCT
ahmr-864	283	17	africa	africa	PROPN
ahmr-864	283	18	.	.	PUNCT
ahmr-864	284	1	pdf	pdf	NOUN
ahmr-864	284	2	accessed	access	VERB
ahmr-864	284	3	on	on	ADP
ahmr-864	284	4	04	04	NUM
ahmr-864	284	5	may	may	PROPN
ahmr-864	284	6	2020	2020	NUM
ahmr-864	284	7	.	.	PUNCT
ahmr-864	285	1	beyene	beyene	NOUN
ahmr-864	285	2	,	,	PUNCT
ahmr-864	285	3	b.m	b.m	PROPN
ahmr-864	285	4	.	.	PROPN
ahmr-864	285	5	2014	2014	NUM
ahmr-864	285	6	.	.	PUNCT
ahmr-864	286	1	the	the	DET
ahmr-864	286	2	effects	effect	NOUN
ahmr-864	286	3	of	of	ADP
ahmr-864	286	4	international	international	ADJ
ahmr-864	286	5	remittances	remittance	NOUN
ahmr-864	286	6	on	on	ADP
ahmr-864	286	7	poverty	poverty	NOUN
ahmr-864	286	8	and	and	CCONJ
ahmr-864	286	9	inequality	inequality	NOUN
ahmr-864	286	10	in	in	ADP
ahmr-864	286	11	ethiopia	ethiopia	PROPN
ahmr-864	286	12	.	.	PUNCT
ahmr-864	287	1	journal	journal	PROPN
ahmr-864	287	2	of	of	ADP
ahmr-864	287	3	development	development	NOUN
ahmr-864	287	4	studies	study	NOUN
ahmr-864	287	5	,	,	PUNCT
ahmr-864	287	6	50(10	50(10	NUM
ahmr-864	287	7	):	):	PUNCT
ahmr-864	287	8	1380	1380	NUM
ahmr-864	287	9	-	-	SYM
ahmr-864	287	10	1396	1396	NUM
ahmr-864	287	11	.	.	PUNCT
ahmr-864	288	1	biller	biller	NOUN
ahmr-864	288	2	,	,	PUNCT
ahmr-864	288	3	s.	s.	PROPN
ahmr-864	288	4	2007	2007	NUM
ahmr-864	288	5	.	.	PUNCT
ahmr-864	289	1	remittances	remittance	NOUN
ahmr-864	289	2	.	.	PUNCT
ahmr-864	290	1	uicifd	uicifd	PROPN
ahmr-864	290	2	briefing	briefing	NOUN
ahmr-864	291	1	no	no	INTJ
ahmr-864	291	2	.	.	PROPN
ahmr-864	292	1	33	33	NUM
ahmr-864	292	2	.	.	PUNCT
ahmr-864	292	3	available	available	ADJ
ahmr-864	292	4	at	at	ADP
ahmr-864	292	5	:	:	PUNCT
ahmr-864	292	6	http://www.uiowa	http://www.uiowa	PROPN
ahmr-864	292	7	.	.	PUNCT
ahmr-864	293	1	edu	edu	PROPN
ahmr-864	293	2	/	/	SYM
ahmr-864	293	3	ifdebook	ifdebook	NOUN
ahmr-864	293	4	/	/	SYM
ahmr-864	293	5	briefings	briefing	NOUN
ahmr-864	293	6	/	/	SYM
ahmr-864	293	7	pdf	pdf	NOUN
ahmr-864	293	8	/	/	SYM
ahmr-864	293	9	remittance.pdf	remittance.pdf	NOUN
ahmr-864	293	10	accessed	access	VERB
ahmr-864	293	11	on	on	ADP
ahmr-864	293	12	08	08	NUM
ahmr-864	293	13	december	december	PROPN
ahmr-864	293	14	2010	2010	NUM
ahmr-864	293	15	.	.	PUNCT
ahmr-864	294	1	bradford	bradford	NOUN
ahmr-864	294	2	,	,	PUNCT
ahmr-864	294	3	t.	t.	PROPN
ahmr-864	294	4	2008	2008	NUM
ahmr-864	294	5	.	.	PUNCT
ahmr-864	295	1	payment	payment	NOUN
ahmr-864	295	2	systems	system	NOUN
ahmr-864	295	3	research	research	NOUN
ahmr-864	295	4	briefing	briefing	NOUN
ahmr-864	295	5	:	:	PUNCT
ahmr-864	295	6	international	international	ADJ
ahmr-864	295	7	remittances	remittance	NOUN
ahmr-864	295	8	.	.	PUNCT
ahmr-864	296	1	federal	federal	PROPN
ahmr-864	296	2	reserve	reserve	PROPN
ahmr-864	296	3	bank	bank	PROPN
ahmr-864	296	4	of	of	ADP
ahmr-864	296	5	kansas	kansas	PROPN
ahmr-864	296	6	city	city	PROPN
ahmr-864	296	7	.	.	PUNCT
ahmr-864	297	1	available	available	ADJ
ahmr-864	297	2	at	at	ADP
ahmr-864	297	3	:	:	PUNCT
ahmr-864	297	4	https://www.kansascityfed	https://www.kansascityfed	PROPN
ahmr-864	297	5	.	.	PUNCT
ahmr-864	298	1	org/~/media	org/~/media	PROPN
ahmr-864	298	2	/	/	SYM
ahmr-864	298	3	files	file	NOUN
ahmr-864	298	4	/	/	SYM
ahmr-864	298	5	publicat	publicat	PROPN
ahmr-864	298	6	/	/	SYM
ahmr-864	298	7	psr	psr	PROPN
ahmr-864	298	8	/	/	SYM
ahmr-864	298	9	briefings	briefing	NOUN
ahmr-864	298	10	/	/	SYM
ahmr-864	298	11	psr	psr	NOUN
ahmr-864	298	12	-	-	PUNCT
ahmr-864	298	13	briefingdec08.pdf	briefingdec08.pdf	NOUN
ahmr-864	298	14	accessed	access	VERB
ahmr-864	298	15	on	on	ADP
ahmr-864	298	16	04	04	NUM
ahmr-864	298	17	may	may	PROPN
ahmr-864	298	18	2020	2020	NUM
ahmr-864	298	19	.	.	PUNCT
ahmr-864	299	1	committee	committee	NOUN
ahmr-864	299	2	for	for	ADP
ahmr-864	299	3	payment	payment	NOUN
ahmr-864	299	4	and	and	CCONJ
ahmr-864	299	5	settlement	settlement	NOUN
ahmr-864	299	6	services	service	NOUN
ahmr-864	299	7	(	(	PUNCT
ahmr-864	299	8	cpss	cpss	PROPN
ahmr-864	299	9	)	)	PUNCT
ahmr-864	299	10	.	.	PUNCT
ahmr-864	300	1	2003	2003	NUM
ahmr-864	300	2	.	.	PUNCT
ahmr-864	301	1	general	general	ADJ
ahmr-864	301	2	principles	principle	NOUN
ahmr-864	301	3	for	for	ADP
ahmr-864	301	4	international	international	ADJ
ahmr-864	301	5	remittance	remittance	NOUN
ahmr-864	301	6	services	service	NOUN
ahmr-864	301	7	.	.	PUNCT
ahmr-864	302	1	available	available	ADJ
ahmr-864	302	2	at	at	ADP
ahmr-864	302	3	:	:	PUNCT
ahmr-864	302	4	https://www.elibrary	https://www.elibrary	ADJ
ahmr-864	302	5	.	.	PUNCT
ahmr-864	303	1	imf.org/view/imf072/01498-9781589061767/01498-9781589061767/c35	imf.org/view/imf072/01498-9781589061767/01498-9781589061767/c35	PROPN
ahmr-864	303	2	.	.	PUNCT
ahmr-864	304	1	xml?language	xml?language	NOUN
ahmr-864	304	2	=	=	SYM
ahmr-864	304	3	en&redirect	en&redirect	NOUN
ahmr-864	304	4	=	=	SYM
ahmr-864	304	5	true	true	ADJ
ahmr-864	304	6	.	.	PUNCT
ahmr-864	305	1	accessed	access	VERB
ahmr-864	305	2	on	on	ADP
ahmr-864	305	3	17	17	NUM
ahmr-864	305	4	march	march	NOUN
ahmr-864	305	5	2021	2021	NUM
ahmr-864	305	6	.	.	PUNCT
ahmr-864	306	1	committee	committee	NOUN
ahmr-864	306	2	for	for	ADP
ahmr-864	306	3	payment	payment	NOUN
ahmr-864	306	4	and	and	CCONJ
ahmr-864	306	5	settlement	settlement	NOUN
ahmr-864	306	6	services	service	NOUN
ahmr-864	306	7	(	(	PUNCT
ahmr-864	306	8	cpss	cpss	PROPN
ahmr-864	306	9	)	)	PUNCT
ahmr-864	306	10	.	.	PUNCT
ahmr-864	307	1	2005	2005	NUM
ahmr-864	307	2	.	.	PUNCT
ahmr-864	308	1	general	general	ADJ
ahmr-864	308	2	principles	principle	NOUN
ahmr-864	308	3	for	for	ADP
ahmr-864	308	4	international	international	ADJ
ahmr-864	308	5	remittance	remittance	NOUN
ahmr-864	308	6	services	service	NOUN
ahmr-864	308	7	.	.	PUNCT
ahmr-864	309	1	available	available	ADJ
ahmr-864	309	2	at	at	ADP
ahmr-864	309	3	:	:	PUNCT
ahmr-864	309	4	https://www.bis.org/cpmi/	https://www.bis.org/cpmi/	NOUN
ahmr-864	309	5	publbycateg.pdf	publbycateg.pdf	NOUN
ahmr-864	309	6	accessed	access	VERB
ahmr-864	309	7	on	on	ADP
ahmr-864	309	8	04	04	NUM
ahmr-864	309	9	may	may	PROPN
ahmr-864	309	10	2020	2020	NUM
ahmr-864	309	11	.	.	PUNCT
ahmr-864	310	1	committee	committee	NOUN
ahmr-864	310	2	for	for	ADP
ahmr-864	310	3	payment	payment	NOUN
ahmr-864	310	4	and	and	CCONJ
ahmr-864	310	5	settlement	settlement	NOUN
ahmr-864	310	6	services	service	NOUN
ahmr-864	310	7	(	(	PUNCT
ahmr-864	310	8	cpss	cpss	PROPN
ahmr-864	310	9	)	)	PUNCT
ahmr-864	310	10	and	and	CCONJ
ahmr-864	310	11	world	world	PROPN
ahmr-864	310	12	bank	bank	PROPN
ahmr-864	310	13	.	.	PUNCT
ahmr-864	311	1	2007	2007	NUM
ahmr-864	311	2	.	.	PUNCT
ahmr-864	312	1	general	general	ADJ
ahmr-864	312	2	principles	principle	NOUN
ahmr-864	312	3	for	for	ADP
ahmr-864	312	4	international	international	ADJ
ahmr-864	312	5	remittance	remittance	NOUN
ahmr-864	312	6	services	service	NOUN
ahmr-864	312	7	.	.	PUNCT
ahmr-864	313	1	available	available	ADJ
ahmr-864	313	2	at	at	ADP
ahmr-864	313	3	:	:	PUNCT
ahmr-864	313	4	https://	https://	PROPN
ahmr-864	313	5	www.bis.org/cpmi/publ/d76.pdf	www.bis.org/cpmi/publ/d76.pdf	PROPN
ahmr-864	313	6	accessed	access	VERB
ahmr-864	313	7	on	on	ADP
ahmr-864	313	8	04	04	NUM
ahmr-864	313	9	may	may	PROPN
ahmr-864	313	10	2020	2020	NUM
ahmr-864	313	11	.	.	PUNCT
ahmr-864	314	1	competition	competition	NOUN
ahmr-864	314	2	commission	commission	PROPN
ahmr-864	314	3	.	.	PUNCT
ahmr-864	315	1	2006	2006	NUM
ahmr-864	315	2	.	.	PUNCT
ahmr-864	316	1	commission	commission	PROPN
ahmr-864	316	2	’s	’s	PART
ahmr-864	316	3	banking	banking	NOUN
ahmr-864	316	4	research	research	NOUN
ahmr-864	316	5	,	,	PUNCT
ahmr-864	316	6	press	press	NOUN
ahmr-864	316	7	statement	statement	NOUN
ahmr-864	316	8	,	,	PUNCT
ahmr-864	316	9	towards	towards	ADP
ahmr-864	316	10	a	a	DET
ahmr-864	316	11	legal	legal	ADJ
ahmr-864	316	12	and	and	CCONJ
ahmr-864	316	13	regulatory	regulatory	ADJ
ahmr-864	316	14	framework	framework	NOUN
ahmr-864	316	15	for	for	ADP
ahmr-864	316	16	south	south	ADJ
ahmr-864	316	17	african	african	ADJ
ahmr-864	316	18	domestic	domestic	ADJ
ahmr-864	316	19	remittances	remittance	NOUN
ahmr-864	316	20	https://www.bis.org/publ/cpss30.pdf	https://www.bis.org/publ/cpss30.pdf	NOUN
ahmr-864	316	21	https://www.bis.org/cpmi/publ/d144.pdf	https://www.bis.org/cpmi/publ/d144.pdf	PROPN
ahmr-864	316	22	https://cenfri.org/wp-content/uploads/2017/12/regulatory-framework-for-money-transfers_south-africa	https://cenfri.org/wp-content/uploads/2017/12/regulatory-framework-for-money-transfers_south-africa	PROPN
ahmr-864	316	23	.	.	PUNCT
ahmr-864	317	1	https://cenfri.org/wp-content/uploads/2017/12/regulatory-framework-for-money-transfers_south-africa	https://cenfri.org/wp-content/uploads/2017/12/regulatory-framework-for-money-transfers_south-africa	PROPN
ahmr-864	317	2	.	.	PUNCT
ahmr-864	318	1	https://cenfri.org/wp-content/uploads/2017/12/regulatory-framework-for-money-transfers_south-africa	https://cenfri.org/wp-content/uploads/2017/12/regulatory-framework-for-money-transfers_south-africa	PROPN
ahmr-864	318	2	.	.	PUNCT
ahmr-864	319	1	http://www.uiowa.edu/ifdebook/briefings/pdf/remittance.pdf	http://www.uiowa.edu/ifdebook/briefings/pdf/remittance.pdf	PROPN
ahmr-864	319	2	http://www.uiowa.edu/ifdebook/briefings/pdf/remittance.pdf	http://www.uiowa.edu/ifdebook/briefings/pdf/remittance.pdf	PROPN
ahmr-864	319	3	https://www.kansascityfed.org/~/media/files/publicat/psr/briefings/psr-briefingdec08.pdf	https://www.kansascityfed.org/~/media/files/publicat/psr/briefings/psr-briefingdec08.pdf	NOUN
ahmr-864	319	4	https://www.kansascityfed.org/~/media/files/publicat/psr/briefings/psr-briefingdec08.pdf	https://www.kansascityfed.org/~/media/files/publicat/psr/briefings/psr-briefingdec08.pdf	NOUN
ahmr-864	319	5	https://www.elibrary.imf.org/view/imf072/01498-9781589061767/01498-9781589061767/c35.xml?language=en	https://www.elibrary.imf.org/view/imf072/01498-9781589061767/01498-9781589061767/c35.xml?language=en	X
ahmr-864	319	6	https://www.elibrary.imf.org/view/imf072/01498-9781589061767/01498-9781589061767/c35.xml?language=en	https://www.elibrary.imf.org/view/imf072/01498-9781589061767/01498-9781589061767/c35.xml?language=en	VERB
ahmr-864	319	7	https://www.elibrary.imf.org/view/imf072/01498-9781589061767/01498-9781589061767/c35.xml?language=en	https://www.elibrary.imf.org/view/imf072/01498-9781589061767/01498-9781589061767/c35.xml?language=en	PROPN
ahmr-864	319	8	https://www.bis.org/cpmi/publbycateg.pdf	https://www.bis.org/cpmi/publbycateg.pdf	ADP
ahmr-864	319	9	https://www.bis.org/cpmi/publbycateg.pdf	https://www.bis.org/cpmi/publbycateg.pdf	ADP
ahmr-864	319	10	https://www.bis.org/cpmi/publ/d76.pdf	https://www.bis.org/cpmi/publ/d76.pdf	NOUN
ahmr-864	319	11	https://www.bis.org/cpmi/publ/d76.pdf	https://www.bis.org/cpmi/publ/d76.pdf	NOUN
ahmr-864	319	12	66	66	NUM
ahmr-864	319	13	ahmr	ahmr	NOUN
ahmr-864	319	14	african	african	PROPN
ahmr-864	319	15	human	human	PROPN
ahmr-864	319	16	mobilty	mobilty	PROPN
ahmr-864	319	17	review	review	NOUN
ahmr-864	319	18	volume	volume	NOUN
ahmr-864	319	19	7	7	NUM
ahmr-864	319	20	no	no	DET
ahmr-864	319	21	1	1	NUM
ahmr-864	319	22	,	,	PUNCT
ahmr-864	319	23	jan	jan	NOUN
ahmr-864	319	24	-	-	PUNCT
ahmr-864	319	25	apr	apr	NOUN
ahmr-864	319	26	2021	2021	NUM
ahmr-864	319	27	20	20	NUM
ahmr-864	319	28	april	april	PROPN
ahmr-864	319	29	.	.	PUNCT
ahmr-864	320	1	available	available	ADJ
ahmr-864	320	2	at	at	ADP
ahmr-864	320	3	:	:	PUNCT
ahmr-864	320	4	http://www.compcom.co.za/2006-media-releases/	http://www.compcom.co.za/2006-media-releases/	PROPN
ahmr-864	320	5	accessed	access	VERB
ahmr-864	320	6	on	on	ADP
ahmr-864	320	7	17	17	NUM
ahmr-864	320	8	march	march	NOUN
ahmr-864	320	9	2021	2021	NUM
ahmr-864	320	10	.	.	PUNCT
ahmr-864	321	1	dodson	dodson	PROPN
ahmr-864	321	2	,	,	PUNCT
ahmr-864	321	3	b.	b.	PROPN
ahmr-864	321	4	2008	2008	NUM
ahmr-864	321	5	.	.	PUNCT
ahmr-864	322	1	gender	gender	NOUN
ahmr-864	322	2	,	,	PUNCT
ahmr-864	322	3	migration	migration	NOUN
ahmr-864	322	4	and	and	CCONJ
ahmr-864	322	5	remittances	remittance	NOUN
ahmr-864	322	6	in	in	ADP
ahmr-864	322	7	southern	southern	PROPN
ahmr-864	322	8	africa	africa	PROPN
ahmr-864	322	9	.	.	PUNCT
ahmr-864	323	1	southern	southern	ADJ
ahmr-864	323	2	african	african	ADJ
ahmr-864	323	3	migration	migration	NOUN
ahmr-864	323	4	programme	programme	NOUN
ahmr-864	323	5	,	,	PUNCT
ahmr-864	323	6	migration	migration	NOUN
ahmr-864	323	7	policy	policy	NOUN
ahmr-864	323	8	series	series	NOUN
ahmr-864	323	9	,	,	PUNCT
ahmr-864	323	10	49	49	NUM
ahmr-864	323	11	.	.	PUNCT
ahmr-864	324	1	cape	cape	NOUN
ahmr-864	324	2	town	town	NOUN
ahmr-864	324	3	:	:	PUNCT
ahmr-864	324	4	idasa	idasa	PROPN
ahmr-864	324	5	and	and	CCONJ
ahmr-864	324	6	kingston	kingston	PROPN
ahmr-864	324	7	;	;	PUNCT
ahmr-864	324	8	ontario	ontario	PROPN
ahmr-864	324	9	:	:	PUNCT
ahmr-864	324	10	southern	southern	ADJ
ahmr-864	324	11	african	african	ADJ
ahmr-864	324	12	research	research	NOUN
ahmr-864	324	13	centre	centre	NOUN
ahmr-864	324	14	.	.	PUNCT
ahmr-864	325	1	genesis	genesis	PROPN
ahmr-864	325	2	analytics	analytic	NOUN
ahmr-864	325	3	.	.	PUNCT
ahmr-864	326	1	2003	2003	NUM
ahmr-864	326	2	.	.	PUNCT
ahmr-864	327	1	bridging	bridge	VERB
ahmr-864	327	2	the	the	DET
ahmr-864	327	3	money	money	NOUN
ahmr-864	327	4	transfer	transfer	NOUN
ahmr-864	327	5	divide	divide	NOUN
ahmr-864	327	6	.	.	PUNCT
ahmr-864	328	1	a	a	DET
ahmr-864	328	2	study	study	NOUN
ahmr-864	328	3	on	on	ADP
ahmr-864	328	4	the	the	DET
ahmr-864	328	5	south	south	ADJ
ahmr-864	328	6	african	african	ADJ
ahmr-864	328	7	money	money	NOUN
ahmr-864	328	8	transfer	transfer	NOUN
ahmr-864	328	9	environment	environment	NOUN
ahmr-864	328	10	for	for	ADP
ahmr-864	328	11	finmark	finmark	PROPN
ahmr-864	328	12	trust	trust	PROPN
ahmr-864	328	13	.	.	PUNCT
ahmr-864	329	1	available	available	ADJ
ahmr-864	329	2	at	at	ADP
ahmr-864	329	3	:	:	PUNCT
ahmr-864	329	4	http://	http://	PROPN
ahmr-864	329	5	www.gdrc.org/icm/remittance/finmarkremit.pdf	www.gdrc.org/icm/remittance/finmarkremit.pdf	PROPN
ahmr-864	329	6	accessed	access	VERB
ahmr-864	329	7	on	on	ADP
ahmr-864	329	8	17	17	NUM
ahmr-864	329	9	march	march	NOUN
ahmr-864	329	10	2021	2021	NUM
ahmr-864	329	11	.	.	PUNCT
ahmr-864	330	1	genesis	genesis	NOUN
ahmr-864	330	2	analytics	analytic	NOUN
ahmr-864	330	3	.	.	PUNCT
ahmr-864	331	1	2005	2005	NUM
ahmr-864	331	2	.	.	PUNCT
ahmr-864	332	1	supporting	support	VERB
ahmr-864	332	2	remittances	remittance	NOUN
ahmr-864	332	3	in	in	ADP
ahmr-864	332	4	southern	southern	PROPN
ahmr-864	332	5	africa	africa	PROPN
ahmr-864	332	6	.	.	PUNCT
ahmr-864	333	1	available	available	ADJ
ahmr-864	333	2	at	at	ADP
ahmr-864	333	3	:	:	PUNCT
ahmr-864	333	4	https://www.findevgateway.org/paper/2005/05/supporting-remittancessouthern-africa-estimating-market-potential-and-assessing	https://www.findevgateway.org/paper/2005/05/supporting-remittancessouthern-africa-estimating-market-potential-and-assesse	VERB
ahmr-864	333	5	accessed	access	VERB
ahmr-864	333	6	on	on	ADP
ahmr-864	333	7	17	17	NUM
ahmr-864	333	8	march	march	NOUN
ahmr-864	333	9	2021	2021	NUM
ahmr-864	333	10	.	.	PUNCT
ahmr-864	334	1	international	international	ADJ
ahmr-864	334	2	monetary	monetary	ADJ
ahmr-864	334	3	fund	fund	NOUN
ahmr-864	334	4	(	(	PUNCT
ahmr-864	334	5	imf	imf	PROPN
ahmr-864	334	6	)	)	PUNCT
ahmr-864	334	7	.	.	PUNCT
ahmr-864	335	1	2005	2005	NUM
ahmr-864	335	2	.	.	PUNCT
ahmr-864	336	1	approaches	approach	NOUN
ahmr-864	336	2	to	to	ADP
ahmr-864	336	3	a	a	DET
ahmr-864	336	4	regulatory	regulatory	ADJ
ahmr-864	336	5	framework	framework	NOUN
ahmr-864	336	6	for	for	ADP
ahmr-864	336	7	formal	formal	ADJ
ahmr-864	336	8	and	and	CCONJ
ahmr-864	336	9	informal	informal	ADJ
ahmr-864	336	10	remittance	remittance	NOUN
ahmr-864	336	11	systems	system	NOUN
ahmr-864	336	12	:	:	PUNCT
ahmr-864	336	13	experience	experience	NOUN
ahmr-864	336	14	and	and	CCONJ
ahmr-864	336	15	lessons	lesson	NOUN
ahmr-864	336	16	.	.	PUNCT
ahmr-864	337	1	imf	imf	PROPN
ahmr-864	337	2	,	,	PUNCT
ahmr-864	337	3	washington	washington	PROPN
ahmr-864	337	4	dc	dc	PROPN
ahmr-864	337	5	.	.	PROPN
ahmr-864	337	6	available	available	ADJ
ahmr-864	337	7	at	at	ADP
ahmr-864	337	8	:	:	PUNCT
ahmr-864	337	9	https://www.imf.org/external/np/pp/	https://www.imf.org/external/np/pp/	X
ahmr-864	337	10	eng/2005/021705.pdf	eng/2005/021705.pdf	PRON
ahmr-864	337	11	accessed	access	VERB
ahmr-864	337	12	on	on	ADP
ahmr-864	337	13	10	10	NUM
ahmr-864	337	14	november	november	PROPN
ahmr-864	337	15	2020	2020	NUM
ahmr-864	337	16	.	.	PUNCT
ahmr-864	338	1	international	international	ADJ
ahmr-864	338	2	monetary	monetary	ADJ
ahmr-864	338	3	fund	fund	NOUN
ahmr-864	338	4	(	(	PUNCT
ahmr-864	338	5	imf	imf	PROPN
ahmr-864	338	6	)	)	PUNCT
ahmr-864	338	7	.	.	PUNCT
ahmr-864	339	1	2009	2009	NUM
ahmr-864	339	2	.	.	PUNCT
ahmr-864	340	1	international	international	ADJ
ahmr-864	340	2	transactions	transaction	NOUN
ahmr-864	340	3	in	in	ADP
ahmr-864	340	4	remittances	remittance	NOUN
ahmr-864	340	5	.	.	PUNCT
ahmr-864	341	1	available	available	ADJ
ahmr-864	341	2	at	at	ADP
ahmr-864	341	3	:	:	PUNCT
ahmr-864	341	4	https://www.imf.org/external/np/sta/bop/2008/rcg/pdf/guide	https://www.imf.org/external/np/sta/bop/2008/rcg/pdf/guide	PROPN
ahmr-864	341	5	.	.	X
ahmr-864	341	6	pdf	pdf	NOUN
ahmr-864	341	7	accessed	access	VERB
ahmr-864	341	8	on	on	ADP
ahmr-864	341	9	19	19	NUM
ahmr-864	341	10	march	march	NOUN
ahmr-864	341	11	2020	2020	NUM
ahmr-864	341	12	.	.	PUNCT
ahmr-864	342	1	lawack	lawack	PROPN
ahmr-864	342	2	,	,	PUNCT
ahmr-864	342	3	v.	v.	ADP
ahmr-864	342	4	2013	2013	NUM
ahmr-864	342	5	.	.	PUNCT
ahmr-864	343	1	“	"	PUNCT
ahmr-864	343	2	mobile	mobile	ADJ
ahmr-864	343	3	money	money	NOUN
ahmr-864	343	4	,	,	PUNCT
ahmr-864	343	5	financial	financial	ADJ
ahmr-864	343	6	inclusion	inclusion	NOUN
ahmr-864	343	7	and	and	CCONJ
ahmr-864	343	8	financial	financial	ADJ
ahmr-864	343	9	integrity	integrity	NOUN
ahmr-864	343	10	:	:	PUNCT
ahmr-864	343	11	the	the	DET
ahmr-864	343	12	south	south	ADJ
ahmr-864	343	13	african	african	ADJ
ahmr-864	343	14	case	case	NOUN
ahmr-864	343	15	.	.	PUNCT
ahmr-864	343	16	”	"	PUNCT
ahmr-864	344	1	washington	washington	PROPN
ahmr-864	344	2	journal	journal	PROPN
ahmr-864	344	3	of	of	ADP
ahmr-864	344	4	law	law	NOUN
ahmr-864	344	5	,	,	PUNCT
ahmr-864	344	6	technology	technology	NOUN
ahmr-864	344	7	and	and	CCONJ
ahmr-864	344	8	arts	art	NOUN
ahmr-864	344	9	8	8	NUM
ahmr-864	344	10	(	(	PUNCT
ahmr-864	344	11	3	3	NUM
ahmr-864	344	12	):	):	PUNCT
ahmr-864	344	13	317	317	NUM
ahmr-864	344	14	-	-	SYM
ahmr-864	344	15	344	344	NUM
ahmr-864	344	16	.	.	PUNCT
ahmr-864	344	17	accessed	access	VERB
ahmr-864	344	18	on	on	ADP
ahmr-864	344	19	17	17	NUM
ahmr-864	344	20	march	march	NOUN
ahmr-864	344	21	2021	2021	NUM
ahmr-864	344	22	.	.	PUNCT
ahmr-864	345	1	lawack	lawack	PROPN
ahmr-864	345	2	,	,	PUNCT
ahmr-864	345	3	v.	v.	ADP
ahmr-864	345	4	2014	2014	NUM
ahmr-864	345	5	.	.	PUNCT
ahmr-864	346	1	the	the	DET
ahmr-864	346	2	legal	legal	ADJ
ahmr-864	346	3	and	and	CCONJ
ahmr-864	346	4	regulatory	regulatory	ADJ
ahmr-864	346	5	aspects	aspect	NOUN
ahmr-864	346	6	of	of	ADP
ahmr-864	346	7	international	international	ADJ
ahmr-864	346	8	remittances	remittance	NOUN
ahmr-864	346	9	and	and	CCONJ
ahmr-864	346	10	their	their	PRON
ahmr-864	346	11	impact	impact	NOUN
ahmr-864	346	12	on	on	ADP
ahmr-864	346	13	migrant	migrant	ADJ
ahmr-864	346	14	workers	worker	NOUN
ahmr-864	346	15	and	and	CCONJ
ahmr-864	346	16	asylum	asylum	NOUN
ahmr-864	346	17	seekers	seeker	NOUN
ahmr-864	346	18	in	in	ADP
ahmr-864	346	19	south	south	PROPN
ahmr-864	346	20	africa	africa	PROPN
ahmr-864	346	21	.	.	PUNCT
ahmr-864	347	1	obiter	obiter	PROPN
ahmr-864	347	2	,	,	PUNCT
ahmr-864	347	3	35	35	NUM
ahmr-864	347	4	(	(	PUNCT
ahmr-864	347	5	2	2	NUM
ahmr-864	347	6	)	)	PUNCT
ahmr-864	347	7	,	,	PUNCT
ahmr-864	347	8	357	357	NUM
ahmr-864	347	9	lawack	lawack	NOUN
ahmr-864	347	10	-	-	PUNCT
ahmr-864	347	11	davids	davids	PROPN
ahmr-864	347	12	,	,	PUNCT
ahmr-864	347	13	v.a	v.a	PROPN
ahmr-864	347	14	.	.	PROPN
ahmr-864	347	15	2008	2008	NUM
ahmr-864	347	16	.	.	PUNCT
ahmr-864	348	1	the	the	DET
ahmr-864	348	2	legal	legal	ADJ
ahmr-864	348	3	and	and	CCONJ
ahmr-864	348	4	regulatory	regulatory	ADJ
ahmr-864	348	5	framework	framework	NOUN
ahmr-864	348	6	of	of	ADP
ahmr-864	348	7	the	the	DET
ahmr-864	348	8	national	national	ADJ
ahmr-864	348	9	payment	payment	NOUN
ahmr-864	348	10	system	system	NOUN
ahmr-864	348	11	–	–	PUNCT
ahmr-864	348	12	peeling	peel	VERB
ahmr-864	348	13	the	the	DET
ahmr-864	348	14	layers	layer	NOUN
ahmr-864	348	15	of	of	ADP
ahmr-864	348	16	the	the	DET
ahmr-864	348	17	onion	onion	NOUN
ahmr-864	348	18	.	.	PUNCT
ahmr-864	349	1	obiter	obiter	PROPN
ahmr-864	349	2	,	,	PUNCT
ahmr-864	349	3	29(3	29(3	NUM
ahmr-864	349	4	):	):	PUNCT
ahmr-864	349	5	453	453	NUM
ahmr-864	349	6	-	-	SYM
ahmr-864	349	7	454	454	NUM
ahmr-864	349	8	.	.	PUNCT
ahmr-864	350	1	matuzeviciute	matuzeviciute	NOUN
ahmr-864	350	2	,	,	PUNCT
ahmr-864	350	3	k.	k.	PROPN
ahmr-864	350	4	and	and	CCONJ
ahmr-864	350	5	butkus	butkus	PROPN
ahmr-864	350	6	,	,	PUNCT
ahmr-864	350	7	m.	m.	NOUN
ahmr-864	350	8	2016	2016	NUM
ahmr-864	350	9	.	.	PUNCT
ahmr-864	351	1	remittances	remittance	NOUN
ahmr-864	351	2	,	,	PUNCT
ahmr-864	351	3	development	development	NOUN
ahmr-864	351	4	level	level	NOUN
ahmr-864	351	5	,	,	PUNCT
ahmr-864	351	6	and	and	CCONJ
ahmr-864	351	7	long	long	ADV
ahmr-864	351	8	-	-	PUNCT
ahmr-864	351	9	run	run	VERB
ahmr-864	351	10	economic	economic	ADJ
ahmr-864	351	11	growth	growth	NOUN
ahmr-864	351	12	.	.	PUNCT
ahmr-864	352	1	economies	economy	NOUN
ahmr-864	352	2	,	,	PUNCT
ahmr-864	352	3	4(4	4(4	NUM
ahmr-864	352	4	):	):	PUNCT
ahmr-864	352	5	28	28	NUM
ahmr-864	352	6	.	.	PUNCT
ahmr-864	353	1	https://doi.org/10.3390/	https://doi.org/10.3390/	PROPN
ahmr-864	353	2	economies4040028	economies4040028	NOUN
ahmr-864	353	3	accessed	access	VERB
ahmr-864	353	4	on	on	ADP
ahmr-864	353	5	08	08	NUM
ahmr-864	353	6	december	december	PROPN
ahmr-864	353	7	2020	2020	NUM
ahmr-864	353	8	.	.	PUNCT
ahmr-864	354	1	maviza	maviza	PROPN
ahmr-864	354	2	,	,	PUNCT
ahmr-864	354	3	m.m	m.m	PROPN
ahmr-864	354	4	.	.	PROPN
ahmr-864	354	5	,	,	PUNCT
ahmr-864	354	6	nevel	nevel	PROPN
ahmr-864	354	7	,	,	PUNCT
ahmr-864	354	8	t.	t.	PROPN
ahmr-864	354	9	,	,	PUNCT
ahmr-864	354	10	dube	dube	PROPN
ahmr-864	354	11	,	,	PUNCT
ahmr-864	354	12	z.	z.	PROPN
ahmr-864	354	13	,	,	PUNCT
ahmr-864	354	14	and	and	CCONJ
ahmr-864	354	15	dube	dube	NOUN
ahmr-864	354	16	,	,	PUNCT
ahmr-864	354	17	t.	t.	NOUN
ahmr-864	354	18	2019	2019	NUM
ahmr-864	354	19	.	.	PUNCT
ahmr-864	355	1	migrant	migrant	ADJ
ahmr-864	355	2	remittances	remittance	NOUN
ahmr-864	355	3	inspired	inspire	VERB
ahmr-864	355	4	enterprises	enterprise	NOUN
ahmr-864	355	5	in	in	ADP
ahmr-864	355	6	tsholotsho	tsholotsho	NOUN
ahmr-864	355	7	:	:	PUNCT
ahmr-864	355	8	issues	issue	NOUN
ahmr-864	355	9	of	of	ADP
ahmr-864	355	10	sustainability	sustainability	NOUN
ahmr-864	355	11	gracious	gracious	ADJ
ahmr-864	355	12	.	.	PUNCT
ahmr-864	356	1	african	african	ADJ
ahmr-864	356	2	human	human	ADJ
ahmr-864	356	3	mobility	mobility	PROPN
ahmr-864	356	4	review	review	PROPN
ahmr-864	356	5	,	,	PUNCT
ahmr-864	356	6	5(1	5(1	NUM
ahmr-864	356	7	):	):	PUNCT
ahmr-864	356	8	1449	1449	NUM
ahmr-864	356	9	-	-	SYM
ahmr-864	356	10	1481	1481	NUM
ahmr-864	356	11	.	.	PUNCT
ahmr-864	357	1	neuhoff	neuhoff	NOUN
ahmr-864	357	2	,	,	PUNCT
ahmr-864	357	3	m.	m.	NOUN
ahmr-864	357	4	,	,	PUNCT
ahmr-864	357	5	govender	govender	NOUN
ahmr-864	357	6	,	,	PUNCT
ahmr-864	357	7	m.	m.	NOUN
ahmr-864	357	8	,	,	PUNCT
ahmr-864	357	9	versfeld	versfeld	VERB
ahmr-864	357	10	,	,	PUNCT
ahmr-864	357	11	m.	m.	NOUN
ahmr-864	357	12	and	and	CCONJ
ahmr-864	357	13	dingley	dingley	PROPN
ahmr-864	357	14	,	,	PUNCT
ahmr-864	357	15	d.	d.	PROPN
ahmr-864	357	16	2006	2006	NUM
ahmr-864	357	17	.	.	PUNCT
ahmr-864	358	1	a	a	DET
ahmr-864	358	2	practical	practical	ADJ
ahmr-864	358	3	guide	guide	NOUN
ahmr-864	358	4	to	to	ADP
ahmr-864	358	5	the	the	DET
ahmr-864	358	6	south	south	ADJ
ahmr-864	358	7	african	african	ADJ
ahmr-864	358	8	competition	competition	NOUN
ahmr-864	358	9	act	act	VERB
ahmr-864	358	10	46	46	NUM
ahmr-864	358	11	.	.	PUNCT
ahmr-864	359	1	south	south	PROPN
ahmr-864	359	2	africa	africa	PROPN
ahmr-864	359	3	:	:	PUNCT
ahmr-864	360	1	lexisnexis	lexisnexis	PROPN
ahmr-864	360	2	.	.	PUNCT
ahmr-864	361	1	rasool	rasool	PROPN
ahmr-864	361	2	,	,	PUNCT
ahmr-864	361	3	f.	f.	PROPN
ahmr-864	361	4	2010	2010	NUM
ahmr-864	361	5	.	.	PUNCT
ahmr-864	362	1	absa	absa	PROPN
ahmr-864	362	2	sends	send	VERB
ahmr-864	362	3	mobile	mobile	ADJ
ahmr-864	362	4	money	money	NOUN
ahmr-864	362	5	abroad	abroad	ADV
ahmr-864	362	6	,	,	PUNCT
ahmr-864	362	7	13	13	NUM
ahmr-864	362	8	may	may	NOUN
ahmr-864	362	9	.	.	PUNCT
ahmr-864	363	1	available	available	ADJ
ahmr-864	363	2	at	at	ADP
ahmr-864	363	3	:	:	PUNCT
ahmr-864	363	4	http://	http://	PROPN
ahmr-864	363	5	www.itweb.co.za/index.php?option=com_content&view=article&id=33090	www.itweb.co.za/index.php?option=com_content&view=article&id=33090	PROPN
ahmr-864	363	6	:	:	PUNCT
ahmr-864	363	7	absa	absa	NOUN
ahmr-864	363	8	-	-	PUNCT
ahmr-864	363	9	sends	send	NOUN
ahmr-864	363	10	-	-	PUNCT
ahmr-864	363	11	mobile	mobile	NOUN
ahmr-864	363	12	-	-	PUNCT
ahmr-864	363	13	money	money	NOUN
ahmr-864	363	14	-	-	PUNCT
ahmr-864	363	15	abroad&catid=100&tmpl	abroad&catid=100&tmpl	NOUN
ahmr-864	363	16	=	=	PROPN
ahmr-864	363	17	component&print=1	component&print=1	PROPN
ahmr-864	363	18	accessed	access	VERB
ahmr-864	363	19	on	on	ADP
ahmr-864	363	20	08	08	NUM
ahmr-864	363	21	december	december	PROPN
ahmr-864	363	22	2010	2010	NUM
ahmr-864	363	23	.	.	PUNCT
ahmr-864	364	1	http://www.compcom.co.za/2006-media-releases/	http://www.compcom.co.za/2006-media-releases/	PROPN
ahmr-864	364	2	https://www.findevgateway.org/paper/2005/05/supporting-remittances-southern-africa-estimating-market	https://www.findevgateway.org/paper/2005/05/supporting-remittances-southern-africa-estimating-market	PROPN
ahmr-864	364	3	https://www.findevgateway.org/paper/2005/05/supporting-remittances-southern-africa-estimating-market	https://www.findevgateway.org/paper/2005/05/supporting-remittances-southern-africa-estimating-market	NOUN
ahmr-864	364	4	https://www.imf.org/external/np/pp/eng/2005/021705.pdf	https://www.imf.org/external/np/pp/eng/2005/021705.pdf	ADJ
ahmr-864	364	5	https://www.imf.org/external/np/pp/eng/2005/021705.pdf	https://www.imf.org/external/np/pp/eng/2005/021705.pdf	ADJ
ahmr-864	364	6	https://www.imf.org/external/np/sta/bop/2008/rcg/pdf/guide.pdf	https://www.imf.org/external/np/sta/bop/2008/rcg/pdf/guide.pdf	NOUN
ahmr-864	364	7	https://www.imf.org/external/np/sta/bop/2008/rcg/pdf/guide.pdf	https://www.imf.org/external/np/sta/bop/2008/rcg/pdf/guide.pdf	NOUN
ahmr-864	364	8	https://doi.org/10.3390/economies4040028	https://doi.org/10.3390/economies4040028	PROPN
ahmr-864	364	9	https://doi.org/10.3390/economies4040028	https://doi.org/10.3390/economies4040028	PROPN
ahmr-864	364	10	http://www.itweb.co.za/index.php?option=com_content&view=article&id=33090:absa-sends-mobile-money-ab	http://www.itweb.co.za/index.php?option=com_content&view=article&id=33090:absa-sends-mobile-money-ab	NOUN
ahmr-864	364	11	http://www.itweb.co.za/index.php?option=com_content&view=article&id=33090:absa-sends-mobile-money-ab	http://www.itweb.co.za/index.php?option=com_content&view=article&id=33090:absa-sends-mobile-money-ab	NOUN
ahmr-864	364	12	http://www.itweb.co.za/index.php?option=com_content&view=article&id=33090:absa-sends-mobile-money-ab	http://www.itweb.co.za/index.php?option=com_content&view=article&id=33090:absa-sends-mobile-money-ab	NOUN
ahmr-864	364	13	67	67	NUM
ahmr-864	364	14	republic	republic	NOUN
ahmr-864	364	15	of	of	ADP
ahmr-864	364	16	south	south	PROPN
ahmr-864	364	17	africa	africa	PROPN
ahmr-864	364	18	(	(	PUNCT
ahmr-864	364	19	rsa	rsa	PROPN
ahmr-864	364	20	)	)	PUNCT
ahmr-864	364	21	.	.	PUNCT
ahmr-864	365	1	1958	1958	NUM
ahmr-864	365	2	.	.	PUNCT
ahmr-864	366	1	post	post	PROPN
ahmr-864	366	2	office	office	PROPN
ahmr-864	366	3	act	act	NOUN
ahmr-864	366	4	44	44	NUM
ahmr-864	366	5	of	of	ADP
ahmr-864	366	6	1958	1958	NUM
ahmr-864	366	7	.	.	PUNCT
ahmr-864	367	1	pretoria	pretoria	NOUN
ahmr-864	367	2	:	:	PUNCT
ahmr-864	367	3	government	government	NOUN
ahmr-864	367	4	printer	printer	NOUN
ahmr-864	367	5	.	.	PUNCT
ahmr-864	368	1	republic	republic	NOUN
ahmr-864	368	2	of	of	ADP
ahmr-864	368	3	south	south	PROPN
ahmr-864	368	4	africa	africa	PROPN
ahmr-864	368	5	(	(	PUNCT
ahmr-864	368	6	rsa	rsa	PROPN
ahmr-864	368	7	)	)	PUNCT
ahmr-864	368	8	.	.	PUNCT
ahmr-864	369	1	1998	1998	NUM
ahmr-864	369	2	.	.	PUNCT
ahmr-864	370	1	national	national	ADJ
ahmr-864	370	2	payment	payment	NOUN
ahmr-864	370	3	system	system	NOUN
ahmr-864	370	4	act	act	VERB
ahmr-864	370	5	no	no	DET
ahmr-864	370	6	78	78	NUM
ahmr-864	370	7	of	of	ADP
ahmr-864	370	8	1998	1998	NUM
ahmr-864	370	9	.	.	PUNCT
ahmr-864	371	1	available	available	ADJ
ahmr-864	371	2	at	at	ADP
ahmr-864	371	3	:	:	PUNCT
ahmr-864	371	4	http://www.treasury.gov.za/publications/other/nps%20	http://www.treasury.gov.za/publications/other/nps%20	PROPN
ahmr-864	371	5	act%20review%20policy%20paper%20-%20final%20version%20-%2013%20	act%20review%20policy%20paper%20-%20final%20version%20-%2013%20	PROPN
ahmr-864	371	6	september%202018.pdf	september%202018.pdf	PROPN
ahmr-864	371	7	accessed	access	VERB
ahmr-864	371	8	on	on	ADP
ahmr-864	371	9	15	15	NUM
ahmr-864	371	10	december	december	PROPN
ahmr-864	371	11	2020	2020	NUM
ahmr-864	371	12	.	.	PUNCT
ahmr-864	372	1	society	society	NOUN
ahmr-864	372	2	for	for	ADP
ahmr-864	372	3	worldwide	worldwide	ADJ
ahmr-864	372	4	interbank	interbank	NOUN
ahmr-864	372	5	financial	financial	ADJ
ahmr-864	372	6	telecommunication	telecommunication	NOUN
ahmr-864	372	7	(	(	PUNCT
ahmr-864	372	8	swift	swift	ADJ
ahmr-864	372	9	)	)	PUNCT
ahmr-864	372	10	.	.	PUNCT
ahmr-864	373	1	1999	1999	NUM
ahmr-864	373	2	.	.	PUNCT
ahmr-864	374	1	systems	system	NOUN
ahmr-864	374	2	in	in	ADP
ahmr-864	374	3	sadc	sadc	PROPN
ahmr-864	374	4	.	.	PUNCT
ahmr-864	374	5	available	available	ADJ
ahmr-864	374	6	at	at	ADP
ahmr-864	374	7	:	:	PUNCT
ahmr-864	374	8	www.swift.com	www.swift.com	NOUN
ahmr-864	374	9	accessed	access	VERB
ahmr-864	374	10	on	on	ADP
ahmr-864	374	11	04	04	NUM
ahmr-864	374	12	may	may	PROPN
ahmr-864	374	13	2020	2020	NUM
ahmr-864	374	14	south	south	PROPN
ahmr-864	374	15	african	african	PROPN
ahmr-864	374	16	reserve	reserve	PROPN
ahmr-864	374	17	bank	bank	PROPN
ahmr-864	374	18	(	(	PUNCT
ahmr-864	374	19	sarb	sarb	PROPN
ahmr-864	374	20	)	)	PUNCT
ahmr-864	374	21	.	.	PUNCT
ahmr-864	375	1	1989	1989	NUM
ahmr-864	375	2	.	.	PUNCT
ahmr-864	376	1	south	south	PROPN
ahmr-864	376	2	african	african	PROPN
ahmr-864	376	3	reserve	reserve	PROPN
ahmr-864	376	4	bank	bank	PROPN
ahmr-864	376	5	act	act	VERB
ahmr-864	376	6	no	no	INTJ
ahmr-864	376	7	.	.	PROPN
ahmr-864	376	8	90	90	NUM
ahmr-864	376	9	of	of	ADP
ahmr-864	376	10	1989	1989	NUM
ahmr-864	376	11	,	,	PUNCT
ahmr-864	376	12	as	as	SCONJ
ahmr-864	376	13	amended	amend	VERB
ahmr-864	376	14	in	in	ADP
ahmr-864	376	15	1996	1996	NUM
ahmr-864	376	16	.	.	PUNCT
ahmr-864	377	1	sarb	sarb	PROPN
ahmr-864	377	2	,	,	PUNCT
ahmr-864	377	3	pretoria	pretoria	PROPN
ahmr-864	377	4	.	.	PROPN
ahmr-864	377	5	south	south	PROPN
ahmr-864	377	6	african	african	PROPN
ahmr-864	377	7	reserve	reserve	PROPN
ahmr-864	377	8	bank	bank	PROPN
ahmr-864	377	9	(	(	PUNCT
ahmr-864	377	10	sarb	sarb	PROPN
ahmr-864	377	11	)	)	PUNCT
ahmr-864	377	12	.	.	PUNCT
ahmr-864	378	1	2006	2006	NUM
ahmr-864	378	2	.	.	PUNCT
ahmr-864	379	1	the	the	DET
ahmr-864	379	2	national	national	ADJ
ahmr-864	379	3	payment	payment	NOUN
ahmr-864	379	4	system	system	NOUN
ahmr-864	379	5	framework	framework	NOUN
ahmr-864	379	6	and	and	CCONJ
ahmr-864	379	7	strategy	strategy	NOUN
ahmr-864	379	8	–	–	PUNCT
ahmr-864	379	9	vision	vision	NOUN
ahmr-864	379	10	2010	2010	NUM
ahmr-864	379	11	.	.	PUNCT
ahmr-864	380	1	sarb	sarb	PROPN
ahmr-864	380	2	,	,	PUNCT
ahmr-864	380	3	pretoria	pretoria	PROPN
ahmr-864	380	4	.	.	PROPN
ahmr-864	380	5	south	south	PROPN
ahmr-864	380	6	african	african	PROPN
ahmr-864	380	7	reserve	reserve	PROPN
ahmr-864	380	8	bank	bank	PROPN
ahmr-864	380	9	(	(	PUNCT
ahmr-864	380	10	sarb	sarb	PROPN
ahmr-864	380	11	)	)	PUNCT
ahmr-864	380	12	.	.	PUNCT
ahmr-864	381	1	2008	2008	NUM
ahmr-864	381	2	.	.	PUNCT
ahmr-864	382	1	financial	financial	ADJ
ahmr-864	382	2	stability	stability	PROPN
ahmr-864	382	3	review	review	NOUN
ahmr-864	382	4	,	,	PUNCT
ahmr-864	382	5	september	september	PROPN
ahmr-864	382	6	.	.	PUNCT
ahmr-864	383	1	sarb	sarb	PROPN
ahmr-864	383	2	,	,	PUNCT
ahmr-864	383	3	pretoria	pretoria	PROPN
ahmr-864	383	4	.	.	PROPN
ahmr-864	383	5	south	south	PROPN
ahmr-864	383	6	african	african	PROPN
ahmr-864	383	7	reserve	reserve	PROPN
ahmr-864	383	8	bank	bank	PROPN
ahmr-864	383	9	(	(	PUNCT
ahmr-864	383	10	sarb	sarb	PROPN
ahmr-864	383	11	)	)	PUNCT
ahmr-864	383	12	.	.	PUNCT
ahmr-864	384	1	2016	2016	NUM
ahmr-864	384	2	.	.	PUNCT
ahmr-864	385	1	national	national	ADJ
ahmr-864	385	2	payment	payment	NOUN
ahmr-864	385	3	system	system	NOUN
ahmr-864	385	4	department	department	NOUN
ahmr-864	385	5	–	–	PUNCT
ahmr-864	385	6	final	final	ADJ
ahmr-864	385	7	report	report	NOUN
ahmr-864	385	8	:	:	PUNCT
ahmr-864	385	9	review	review	NOUN
ahmr-864	385	10	of	of	ADP
ahmr-864	385	11	the	the	DET
ahmr-864	385	12	effectiveness	effectiveness	NOUN
ahmr-864	385	13	of	of	ADP
ahmr-864	385	14	the	the	DET
ahmr-864	385	15	payments	payment	NOUN
ahmr-864	385	16	association	association	NOUN
ahmr-864	385	17	of	of	ADP
ahmr-864	385	18	south	south	PROPN
ahmr-864	385	19	africa	africa	PROPN
ahmr-864	385	20	.	.	PUNCT
ahmr-864	386	1	available	available	ADJ
ahmr-864	386	2	at	at	ADP
ahmr-864	386	3	:	:	PUNCT
ahmr-864	386	4	https://www.resbank.co.za/en/home/publications/	https://www.resbank.co.za/en/home/publications/	NOUN
ahmr-864	386	5	publication	publication	NOUN
ahmr-864	386	6	-	-	PUNCT
ahmr-864	386	7	detail	detail	NOUN
ahmr-864	386	8	-	-	PUNCT
ahmr-864	386	9	pages	page	NOUN
ahmr-864	386	10	/	/	SYM
ahmr-864	386	11	reports	report	NOUN
ahmr-864	386	12	/	/	SYM
ahmr-864	386	13	pa	pa	NOUN
ahmr-864	386	14	-	-	PUNCT
ahmr-864	386	15	annual	annual	ADJ
ahmr-864	386	16	-	-	PUNCT
ahmr-864	386	17	reports/2016/7309	reports/2016/7309	NOUN
ahmr-864	386	18	accessed	access	VERB
ahmr-864	386	19	on	on	ADP
ahmr-864	386	20	04	04	NUM
ahmr-864	386	21	may	may	PROPN
ahmr-864	386	22	2019	2019	NUM
ahmr-864	386	23	.	.	PUNCT
ahmr-864	387	1	south	south	PROPN
ahmr-864	387	2	african	african	PROPN
ahmr-864	387	3	reserve	reserve	PROPN
ahmr-864	387	4	bank	bank	PROPN
ahmr-864	387	5	(	(	PUNCT
ahmr-864	387	6	sarb	sarb	PROPN
ahmr-864	387	7	)	)	PUNCT
ahmr-864	387	8	.	.	PUNCT
ahmr-864	388	1	2018	2018	NUM
ahmr-864	388	2	.	.	PUNCT
ahmr-864	389	1	prudential	prudential	PROPN
ahmr-864	389	2	authority	authority	PROPN
ahmr-864	389	3	annual	annual	ADJ
ahmr-864	389	4	report	report	NOUN
ahmr-864	389	5	.	.	PUNCT
ahmr-864	390	1	available	available	ADJ
ahmr-864	390	2	at	at	ADP
ahmr-864	390	3	:	:	PUNCT
ahmr-864	390	4	https://www.resbank.co.za/en/home/publications/publicationdetail-pages/reports/pa-annual-reports/2018/8507	https://www.resbank.co.za/en/home/publications/publicationdetail-pages/reports/pa-annual-reports/2018/8507	PROPN
ahmr-864	390	5	accessed	access	VERB
ahmr-864	390	6	on	on	ADP
ahmr-864	390	7	25	25	NUM
ahmr-864	390	8	march	march	NOUN
ahmr-864	390	9	2021	2021	NUM
ahmr-864	390	10	.	.	PUNCT
ahmr-864	391	1	techcentral	techcentral	ADJ
ahmr-864	391	2	.	.	PUNCT
ahmr-864	392	1	n.d	n.d	PROPN
ahmr-864	392	2	.	.	PROPN
ahmr-864	392	3	absa	absa	PROPN
ahmr-864	392	4	takes	take	VERB
ahmr-864	392	5	global	global	ADJ
ahmr-864	392	6	money	money	NOUN
ahmr-864	392	7	transfers	transfer	NOUN
ahmr-864	392	8	online	online	ADV
ahmr-864	392	9	.	.	PUNCT
ahmr-864	393	1	available	available	ADJ
ahmr-864	393	2	at	at	ADP
ahmr-864	393	3	:	:	PUNCT
ahmr-864	393	4	http://	http://	PROPN
ahmr-864	393	5	www.techcentral.co.za/absa-takes-global-money-transfers-online/14328/	www.techcentral.co.za/absa-takes-global-money-transfers-online/14328/	PROPN
ahmr-864	393	6	accessed	access	VERB
ahmr-864	393	7	on	on	ADP
ahmr-864	393	8	accessed	access	VERB
ahmr-864	393	9	08	08	NUM
ahmr-864	393	10	december	december	PROPN
ahmr-864	393	11	2010	2010	NUM
ahmr-864	393	12	.	.	PUNCT
ahmr-864	394	1	technoserve	technoserve	NOUN
ahmr-864	394	2	.	.	PUNCT
ahmr-864	395	1	2016	2016	NUM
ahmr-864	395	2	.	.	PUNCT
ahmr-864	396	1	report	report	NOUN
ahmr-864	396	2	on	on	ADP
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ahmr-864	396	4	remittances	remittance	NOUN
ahmr-864	396	5	in	in	ADP
ahmr-864	396	6	south	south	PROPN
ahmr-864	396	7	africa	africa	PROPN
ahmr-864	396	8	.	.	PUNCT
ahmr-864	397	1	available	available	ADJ
ahmr-864	397	2	at	at	ADP
ahmr-864	397	3	:	:	PUNCT
ahmr-864	397	4	https://www.technoserve.org/wp-content/uploads/2016/11/south-africadomestic-remittances-report.pdf	https://www.technoserve.org/wp-content/uploads/2016/11/south-africadomestic-remittances-report.pdf	NOUN
ahmr-864	397	5	accessed	access	VERB
ahmr-864	397	6	on	on	ADP
ahmr-864	397	7	30	30	NUM
ahmr-864	397	8	april	april	PROPN
ahmr-864	397	9	2020	2020	NUM
ahmr-864	397	10	.	.	PUNCT
ahmr-864	398	1	world	world	PROPN
ahmr-864	398	2	bank	bank	PROPN
ahmr-864	398	3	.	.	PUNCT
ahmr-864	399	1	2015	2015	NUM
ahmr-864	399	2	.	.	PUNCT
ahmr-864	400	1	migration	migration	NOUN
ahmr-864	400	2	and	and	CCONJ
ahmr-864	400	3	remittances	remittance	NOUN
ahmr-864	400	4	:	:	PUNCT
ahmr-864	400	5	recent	recent	ADJ
ahmr-864	400	6	development	development	NOUN
ahmr-864	400	7	and	and	CCONJ
ahmr-864	400	8	outlook	outlook	NOUN
ahmr-864	400	9	.	.	PUNCT
ahmr-864	401	1	migration	migration	NOUN
ahmr-864	401	2	and	and	CCONJ
ahmr-864	401	3	development	development	NOUN
ahmr-864	401	4	brief	brief	ADJ
ahmr-864	401	5	25	25	NUM
ahmr-864	401	6	,	,	PUNCT
ahmr-864	401	7	october	october	PROPN
ahmr-864	401	8	.	.	PUNCT
ahmr-864	402	1	world	world	PROPN
ahmr-864	402	2	bank	bank	PROPN
ahmr-864	402	3	,	,	PUNCT
ahmr-864	402	4	washington	washington	PROPN
ahmr-864	402	5	dc	dc	PROPN
ahmr-864	402	6	.	.	PUNCT
ahmr-864	403	1	towards	towards	ADP
ahmr-864	403	2	a	a	DET
ahmr-864	403	3	legal	legal	ADJ
ahmr-864	403	4	and	and	CCONJ
ahmr-864	403	5	regulatory	regulatory	ADJ
ahmr-864	403	6	framework	framework	NOUN
ahmr-864	403	7	for	for	ADP
ahmr-864	403	8	south	south	ADJ
ahmr-864	403	9	african	african	ADJ
ahmr-864	403	10	domestic	domestic	ADJ
ahmr-864	403	11	remittances	remittance	NOUN
ahmr-864	403	12	http://www.treasury.gov.za/publications/other/nps%20act%20review%20policy%20paper%20-%20final%20vers	http://www.treasury.gov.za/publications/other/nps%20act%20review%20policy%20paper%20-%20final%20vers	PROPN
ahmr-864	403	13	http://www.treasury.gov.za/publications/other/nps%20act%20review%20policy%20paper%20-%20final%20vers	http://www.treasury.gov.za/publications/other/nps%20act%20review%20policy%20paper%20-%20final%20vers	PROPN
ahmr-864	403	14	http://www.treasury.gov.za/publications/other/nps%20act%20review%20policy%20paper%20-%20final%20vers	http://www.treasury.gov.za/publications/other/nps%20act%20review%20policy%20paper%20-%20final%20vers	PROPN
ahmr-864	403	15	http://www.swift.com	http://www.swift.com	X
ahmr-864	403	16	http://www.techcentral.co.za/absa-takes-global-money-transfers-online/14328/	http://www.techcentral.co.za/absa-takes-global-money-transfers-online/14328/	PROPN
ahmr-864	403	17	http://www.techcentral.co.za/absa-takes-global-money-transfers-online/14328/	http://www.techcentral.co.za/absa-takes-global-money-transfers-online/14328/	PROPN
ahmr-864	403	18	https://www.technoserve.org/wp-content/uploads/2016/11/south-africa-domestic-remittances-report.pdf	https://www.technoserve.org/wp-content/uploads/2016/11/south-africa-domestic-remittances-report.pdf	PROPN
ahmr-864	403	19	https://www.technoserve.org/wp-content/uploads/2016/11/south-africa-domestic-remittances-report.pdf	https://www.technoserve.org/wp-content/uploads/2016/11/south-africa-domestic-remittances-report.pdf	PROPN