id	sid	tid	token	lemma	pos
aijes-6455	1	1	agora	agora	PROPN
aijes-6455	1	2	international	international	PROPN
aijes-6455	1	3	journal	journal	NOUN
aijes-6455	1	4	of	of	ADP
aijes-6455	1	5	economical	economical	ADJ
aijes-6455	1	6	sciences	science	NOUN
aijes-6455	1	7	,	,	PUNCT
aijes-6455	1	8	http://univagora.ro/jour/index.php/aijes	http://univagora.ro/jour/index.php/aijes	PRON
aijes-6455	1	9	issn	issn	PROPN
aijes-6455	1	10	2067	2067	NUM
aijes-6455	1	11	-	-	SYM
aijes-6455	1	12	3310	3310	NUM
aijes-6455	1	13	,	,	PUNCT
aijes-6455	1	14	e	e	X
aijes-6455	1	15	-	-	PUNCT
aijes-6455	1	16	issn	issn	PROPN
aijes-6455	1	17	2067	2067	NUM
aijes-6455	1	18	-	-	SYM
aijes-6455	1	19	7669	7669	NUM
aijes-6455	1	20	vol	vol	NOUN
aijes-6455	1	21	.	.	PROPN
aijes-6455	2	1	17	17	NUM
aijes-6455	2	2	,	,	PUNCT
aijes-6455	2	3	no	no	INTJ
aijes-6455	2	4	.	.	NOUN
aijes-6455	2	5	2	2	NUM
aijes-6455	2	6	(	(	PUNCT
aijes-6455	2	7	2023	2023	NUM
aijes-6455	2	8	)	)	PUNCT
aijes-6455	2	9	,	,	PUNCT
aijes-6455	2	10	pp	pp	ADJ
aijes-6455	2	11	.	.	PUNCT
aijes-6455	3	1	181	181	NUM
aijes-6455	3	2	-	-	SYM
aijes-6455	3	3	186	186	NUM
aijes-6455	3	4	181	181	NUM
aijes-6455	3	5	the	the	DET
aijes-6455	3	6	impact	impact	NOUN
aijes-6455	3	7	of	of	ADP
aijes-6455	3	8	digital	digital	ADJ
aijes-6455	3	9	payments	payment	NOUN
aijes-6455	3	10	on	on	ADP
aijes-6455	3	11	the	the	DET
aijes-6455	3	12	growth	growth	NOUN
aijes-6455	3	13	of	of	ADP
aijes-6455	3	14	cashless	cashless	NOUN
aijes-6455	3	15	payments	payment	NOUN
aijes-6455	3	16	and	and	CCONJ
aijes-6455	3	17	the	the	DET
aijes-6455	3	18	factors	factor	NOUN
aijes-6455	3	19	limiting	limit	VERB
aijes-6455	3	20	access	access	NOUN
aijes-6455	3	21	to	to	ADP
aijes-6455	3	22	financial	financial	ADJ
aijes-6455	3	23	services	service	NOUN
aijes-6455	3	24	zakir	zakir	PROPN
aijes-6455	3	25	zeynalov	zeynalov	PROPN
aijes-6455	3	26	azerbaijan	azerbaijan	PROPN
aijes-6455	3	27	state	state	PROPN
aijes-6455	3	28	university	university	PROPN
aijes-6455	3	29	of	of	ADP
aijes-6455	3	30	economics	economics	PROPN
aijes-6455	3	31	(	(	PUNCT
aijes-6455	3	32	unec	unec	PROPN
aijes-6455	3	33	)	)	PUNCT
aijes-6455	3	34	,	,	PUNCT
aijes-6455	3	35	azerbaijan	azerbaijan	PROPN
aijes-6455	3	36	orcid	orcid	PROPN
aijes-6455	4	1	i	i	PROPN
aijes-6455	4	2	d	d	NOUN
aijes-6455	4	3	0000	0000	NUM
aijes-6455	4	4	-	-	PUNCT
aijes-6455	4	5	0001	0001	NUM
aijes-6455	4	6	-	-	PUNCT
aijes-6455	4	7	8110	8110	NUM
aijes-6455	4	8	-	-	SYM
aijes-6455	4	9	3025	3025	NUM
aijes-6455	4	10	,	,	PUNCT
aijes-6455	4	11	e	e	NOUN
aijes-6455	4	12	-	-	NOUN
aijes-6455	4	13	mail	mail	NOUN
aijes-6455	4	14	:	:	PUNCT
aijes-6455	4	15	zakir_zeynalov@unec.edu.az	zakir_zeynalov@unec.edu.az	PROPN
aijes-6455	4	16	abstract	abstract	PROPN
aijes-6455	4	17	.	.	PUNCT
aijes-6455	5	1	most	most	ADJ
aijes-6455	5	2	countries	country	NOUN
aijes-6455	5	3	worldwide	worldwide	ADV
aijes-6455	5	4	are	be	AUX
aijes-6455	5	5	undergoing	undergo	VERB
aijes-6455	5	6	digitalization	digitalization	NOUN
aijes-6455	5	7	,	,	PUNCT
aijes-6455	5	8	with	with	ADP
aijes-6455	5	9	the	the	DET
aijes-6455	5	10	adoption	adoption	NOUN
aijes-6455	5	11	of	of	ADP
aijes-6455	5	12	non	non	ADJ
aijes-6455	5	13	-	-	ADJ
aijes-6455	5	14	cash	cash	ADJ
aijes-6455	5	15	payment	payment	NOUN
aijes-6455	5	16	methods	method	NOUN
aijes-6455	5	17	accelerating	accelerate	VERB
aijes-6455	5	18	.	.	PUNCT
aijes-6455	6	1	in	in	ADP
aijes-6455	6	2	recent	recent	ADJ
aijes-6455	6	3	years	year	NOUN
aijes-6455	6	4	,	,	PUNCT
aijes-6455	6	5	the	the	DET
aijes-6455	6	6	population	population	NOUN
aijes-6455	6	7	and	and	CCONJ
aijes-6455	6	8	economic	economic	ADJ
aijes-6455	6	9	entities	entity	NOUN
aijes-6455	6	10	in	in	ADP
aijes-6455	6	11	our	our	PRON
aijes-6455	6	12	country	country	NOUN
aijes-6455	6	13	have	have	AUX
aijes-6455	6	14	readily	readily	ADV
aijes-6455	6	15	embraced	embrace	VERB
aijes-6455	6	16	the	the	DET
aijes-6455	6	17	use	use	NOUN
aijes-6455	6	18	of	of	ADP
aijes-6455	6	19	digital	digital	ADJ
aijes-6455	6	20	technologies	technology	NOUN
aijes-6455	6	21	.	.	PUNCT
aijes-6455	7	1	organizing	organize	VERB
aijes-6455	7	2	new	new	ADJ
aijes-6455	7	3	methods	method	NOUN
aijes-6455	7	4	of	of	ADP
aijes-6455	7	5	innovation	innovation	NOUN
aijes-6455	7	6	is	be	AUX
aijes-6455	7	7	a	a	DET
aijes-6455	7	8	key	key	ADJ
aijes-6455	7	9	priority	priority	NOUN
aijes-6455	7	10	in	in	ADP
aijes-6455	7	11	the	the	DET
aijes-6455	7	12	pursuit	pursuit	NOUN
aijes-6455	7	13	of	of	ADP
aijes-6455	7	14	strengthening	strengthen	VERB
aijes-6455	7	15	the	the	DET
aijes-6455	7	16	financial	financial	ADJ
aijes-6455	7	17	stability	stability	NOUN
aijes-6455	7	18	of	of	ADP
aijes-6455	7	19	the	the	DET
aijes-6455	7	20	banking	banking	NOUN
aijes-6455	7	21	system	system	NOUN
aijes-6455	7	22	.	.	PUNCT
aijes-6455	8	1	the	the	DET
aijes-6455	8	2	introduction	introduction	NOUN
aijes-6455	8	3	of	of	ADP
aijes-6455	8	4	new	new	ADJ
aijes-6455	8	5	technologies	technology	NOUN
aijes-6455	8	6	serves	serve	VERB
aijes-6455	8	7	as	as	ADP
aijes-6455	8	8	an	an	DET
aijes-6455	8	9	effective	effective	ADJ
aijes-6455	8	10	tool	tool	NOUN
aijes-6455	8	11	for	for	ADP
aijes-6455	8	12	improving	improve	VERB
aijes-6455	8	13	production	production	NOUN
aijes-6455	8	14	potential	potential	NOUN
aijes-6455	8	15	,	,	PUNCT
aijes-6455	8	16	providing	provide	VERB
aijes-6455	8	17	financial	financial	ADJ
aijes-6455	8	18	support	support	NOUN
aijes-6455	8	19	,	,	PUNCT
aijes-6455	8	20	and	and	CCONJ
aijes-6455	8	21	stimulating	stimulate	VERB
aijes-6455	8	22	entrepreneurship	entrepreneurship	NOUN
aijes-6455	8	23	.	.	PUNCT
aijes-6455	9	1	ensuring	ensure	VERB
aijes-6455	9	2	the	the	DET
aijes-6455	9	3	reliability	reliability	NOUN
aijes-6455	9	4	and	and	CCONJ
aijes-6455	9	5	security	security	NOUN
aijes-6455	9	6	of	of	ADP
aijes-6455	9	7	the	the	DET
aijes-6455	9	8	payment	payment	NOUN
aijes-6455	9	9	system	system	NOUN
aijes-6455	9	10	,	,	PUNCT
aijes-6455	9	11	enhancing	enhance	VERB
aijes-6455	9	12	the	the	DET
aijes-6455	9	13	efficiency	efficiency	NOUN
aijes-6455	9	14	and	and	CCONJ
aijes-6455	9	15	speed	speed	NOUN
aijes-6455	9	16	of	of	ADP
aijes-6455	9	17	payment	payment	NOUN
aijes-6455	9	18	operations	operation	NOUN
aijes-6455	9	19	,	,	PUNCT
aijes-6455	9	20	expanding	expand	VERB
aijes-6455	9	21	financial	financial	ADJ
aijes-6455	9	22	inclusion	inclusion	NOUN
aijes-6455	9	23	by	by	ADP
aijes-6455	9	24	providing	provide	VERB
aijes-6455	9	25	the	the	DET
aijes-6455	9	26	population	population	NOUN
aijes-6455	9	27	with	with	ADP
aijes-6455	9	28	access	access	NOUN
aijes-6455	9	29	to	to	ADP
aijes-6455	9	30	payment	payment	NOUN
aijes-6455	9	31	services	service	NOUN
aijes-6455	9	32	,	,	PUNCT
aijes-6455	9	33	minimizing	minimize	VERB
aijes-6455	9	34	the	the	DET
aijes-6455	9	35	volume	volume	NOUN
aijes-6455	9	36	of	of	ADP
aijes-6455	9	37	cash	cash	NOUN
aijes-6455	9	38	circulation	circulation	NOUN
aijes-6455	9	39	,	,	PUNCT
aijes-6455	9	40	and	and	CCONJ
aijes-6455	9	41	organizing	organize	VERB
aijes-6455	9	42	and	and	CCONJ
aijes-6455	9	43	promoting	promote	VERB
aijes-6455	9	44	new	new	ADJ
aijes-6455	9	45	methods	method	NOUN
aijes-6455	9	46	of	of	ADP
aijes-6455	9	47	innovation	innovation	NOUN
aijes-6455	9	48	in	in	ADP
aijes-6455	9	49	the	the	DET
aijes-6455	9	50	payment	payment	NOUN
aijes-6455	9	51	market	market	NOUN
aijes-6455	9	52	.	.	PUNCT
aijes-6455	10	1	the	the	DET
aijes-6455	10	2	application	application	NOUN
aijes-6455	10	3	of	of	ADP
aijes-6455	10	4	financial	financial	ADJ
aijes-6455	10	5	technologies	technology	NOUN
aijes-6455	10	6	,	,	PUNCT
aijes-6455	10	7	especially	especially	ADV
aijes-6455	10	8	in	in	ADP
aijes-6455	10	9	payment	payment	NOUN
aijes-6455	10	10	services	service	NOUN
aijes-6455	10	11	,	,	PUNCT
aijes-6455	10	12	enables	enable	VERB
aijes-6455	10	13	market	market	NOUN
aijes-6455	10	14	participants	participant	NOUN
aijes-6455	10	15	to	to	PART
aijes-6455	10	16	conduct	conduct	VERB
aijes-6455	10	17	their	their	PRON
aijes-6455	10	18	payments	payment	NOUN
aijes-6455	10	19	conveniently	conveniently	ADV
aijes-6455	10	20	,	,	PUNCT
aijes-6455	10	21	safely	safely	ADV
aijes-6455	10	22	,	,	PUNCT
aijes-6455	10	23	and	and	CCONJ
aijes-6455	10	24	at	at	ADP
aijes-6455	10	25	low	low	ADJ
aijes-6455	10	26	cost	cost	NOUN
aijes-6455	10	27	.	.	PUNCT
aijes-6455	11	1	it	it	PRON
aijes-6455	11	2	allows	allow	VERB
aijes-6455	11	3	for	for	ADP
aijes-6455	11	4	a	a	DET
aijes-6455	11	5	broader	broad	ADJ
aijes-6455	11	6	involvement	involvement	NOUN
aijes-6455	11	7	of	of	ADP
aijes-6455	11	8	economic	economic	ADJ
aijes-6455	11	9	cycles	cycle	NOUN
aijes-6455	11	10	in	in	ADP
aijes-6455	11	11	the	the	DET
aijes-6455	11	12	banking	banking	NOUN
aijes-6455	11	13	sector	sector	NOUN
aijes-6455	11	14	,	,	PUNCT
aijes-6455	11	15	limits	limit	VERB
aijes-6455	11	16	the	the	DET
aijes-6455	11	17	informal	informal	ADJ
aijes-6455	11	18	economy	economy	NOUN
aijes-6455	11	19	,	,	PUNCT
aijes-6455	11	20	and	and	CCONJ
aijes-6455	11	21	increases	increase	VERB
aijes-6455	11	22	banks	bank	NOUN
aijes-6455	11	23	'	'	PART
aijes-6455	11	24	credit	credit	NOUN
aijes-6455	11	25	resources	resource	NOUN
aijes-6455	11	26	and	and	CCONJ
aijes-6455	11	27	financial	financial	ADJ
aijes-6455	11	28	intermediation	intermediation	NOUN
aijes-6455	11	29	.	.	PUNCT
aijes-6455	12	1	keywords	keyword	NOUN
aijes-6455	12	2	:	:	PUNCT
aijes-6455	12	3	banking	banking	NOUN
aijes-6455	12	4	sector	sector	NOUN
aijes-6455	12	5	,	,	PUNCT
aijes-6455	12	6	digital	digital	ADJ
aijes-6455	12	7	payment	payment	NOUN
aijes-6455	12	8	,	,	PUNCT
aijes-6455	12	9	financial	financial	ADJ
aijes-6455	12	10	services	service	NOUN
aijes-6455	12	11	,	,	PUNCT
aijes-6455	12	12	financial	financial	ADJ
aijes-6455	12	13	intermediation	intermediation	NOUN
aijes-6455	12	14	,	,	PUNCT
aijes-6455	12	15	payment	payment	NOUN
aijes-6455	12	16	cards	card	NOUN
aijes-6455	12	17	.	.	PUNCT
aijes-6455	13	1	introduction	introduction	NOUN
aijes-6455	13	2	in	in	ADP
aijes-6455	13	3	recent	recent	ADJ
aijes-6455	13	4	years	year	NOUN
aijes-6455	13	5	,	,	PUNCT
aijes-6455	13	6	a	a	DET
aijes-6455	13	7	number	number	NOUN
aijes-6455	13	8	of	of	ADP
aijes-6455	13	9	serious	serious	ADJ
aijes-6455	13	10	steps	step	NOUN
aijes-6455	13	11	have	have	AUX
aijes-6455	13	12	been	be	AUX
aijes-6455	13	13	taken	take	VERB
aijes-6455	13	14	in	in	ADP
aijes-6455	13	15	azerbaijan	azerbaijan	PROPN
aijes-6455	13	16	in	in	ADP
aijes-6455	13	17	the	the	DET
aijes-6455	13	18	direction	direction	NOUN
aijes-6455	13	19	of	of	ADP
aijes-6455	13	20	maintaining	maintain	VERB
aijes-6455	13	21	macroeconomic	macroeconomic	ADJ
aijes-6455	13	22	stability	stability	NOUN
aijes-6455	13	23	,	,	PUNCT
aijes-6455	13	24	forming	form	VERB
aijes-6455	13	25	a	a	DET
aijes-6455	13	26	favorable	favorable	ADJ
aijes-6455	13	27	business	business	NOUN
aijes-6455	13	28	environment	environment	NOUN
aijes-6455	13	29	and	and	CCONJ
aijes-6455	13	30	developing	develop	VERB
aijes-6455	13	31	non	non	ADJ
aijes-6455	13	32	-	-	ADJ
aijes-6455	13	33	oil	oil	ADJ
aijes-6455	13	34	sectors	sector	NOUN
aijes-6455	13	35	,	,	PUNCT
aijes-6455	13	36	and	and	CCONJ
aijes-6455	13	37	reforms	reform	NOUN
aijes-6455	13	38	have	have	AUX
aijes-6455	13	39	been	be	AUX
aijes-6455	13	40	continued	continue	VERB
aijes-6455	13	41	.	.	PUNCT
aijes-6455	14	1	strategic	strategic	ADJ
aijes-6455	14	2	roadmaps	roadmap	NOUN
aijes-6455	14	3	for	for	ADP
aijes-6455	14	4	the	the	DET
aijes-6455	14	5	national	national	ADJ
aijes-6455	14	6	economy	economy	NOUN
aijes-6455	14	7	and	and	CCONJ
aijes-6455	14	8	the	the	DET
aijes-6455	14	9	main	main	ADJ
aijes-6455	14	10	sectors	sector	NOUN
aijes-6455	14	11	of	of	ADP
aijes-6455	14	12	the	the	DET
aijes-6455	14	13	economy	economy	NOUN
aijes-6455	14	14	,	,	PUNCT
aijes-6455	14	15	many	many	ADJ
aijes-6455	14	16	state	state	NOUN
aijes-6455	14	17	programs	program	NOUN
aijes-6455	14	18	have	have	AUX
aijes-6455	14	19	been	be	AUX
aijes-6455	14	20	adopted	adopt	VERB
aijes-6455	14	21	,	,	PUNCT
aijes-6455	14	22	economic	economic	ADJ
aijes-6455	14	23	development	development	NOUN
aijes-6455	14	24	goals	goal	NOUN
aijes-6455	14	25	for	for	ADP
aijes-6455	14	26	the	the	DET
aijes-6455	14	27	near	near	ADJ
aijes-6455	14	28	,	,	PUNCT
aijes-6455	14	29	medium	medium	ADJ
aijes-6455	14	30	and	and	CCONJ
aijes-6455	14	31	long	long	ADJ
aijes-6455	14	32	-	-	PUNCT
aijes-6455	14	33	term	term	NOUN
aijes-6455	14	34	perspective	perspective	NOUN
aijes-6455	14	35	have	have	AUX
aijes-6455	14	36	been	be	AUX
aijes-6455	14	37	defined	define	VERB
aijes-6455	14	38	.	.	PUNCT
aijes-6455	15	1	building	build	VERB
aijes-6455	15	2	a	a	DET
aijes-6455	15	3	digital	digital	ADJ
aijes-6455	15	4	economy	economy	NOUN
aijes-6455	15	5	takes	take	VERB
aijes-6455	15	6	an	an	DET
aijes-6455	15	7	important	important	ADJ
aijes-6455	15	8	place	place	NOUN
aijes-6455	15	9	among	among	ADP
aijes-6455	15	10	these	these	DET
aijes-6455	15	11	goals	goal	NOUN
aijes-6455	15	12	.	.	PUNCT
aijes-6455	16	1	the	the	DET
aijes-6455	16	2	development	development	NOUN
aijes-6455	16	3	of	of	ADP
aijes-6455	16	4	the	the	DET
aijes-6455	16	5	digital	digital	ADJ
aijes-6455	16	6	economy	economy	NOUN
aijes-6455	16	7	will	will	AUX
aijes-6455	16	8	lead	lead	VERB
aijes-6455	16	9	to	to	ADP
aijes-6455	16	10	wider	wide	ADJ
aijes-6455	16	11	involvement	involvement	NOUN
aijes-6455	16	12	of	of	ADP
aijes-6455	16	13	economic	economic	ADJ
aijes-6455	16	14	cycles	cycle	NOUN
aijes-6455	16	15	in	in	ADP
aijes-6455	16	16	the	the	DET
aijes-6455	16	17	banking	banking	NOUN
aijes-6455	16	18	sector	sector	NOUN
aijes-6455	16	19	and	and	CCONJ
aijes-6455	16	20	will	will	AUX
aijes-6455	16	21	multiply	multiply	VERB
aijes-6455	16	22	the	the	DET
aijes-6455	16	23	investment	investment	NOUN
aijes-6455	16	24	and	and	CCONJ
aijes-6455	16	25	lending	lending	NOUN
aijes-6455	16	26	opportunities	opportunity	NOUN
aijes-6455	16	27	of	of	ADP
aijes-6455	16	28	the	the	DET
aijes-6455	16	29	sector	sector	NOUN
aijes-6455	16	30	,	,	PUNCT
aijes-6455	16	31	and	and	CCONJ
aijes-6455	16	32	provide	provide	VERB
aijes-6455	16	33	access	access	NOUN
aijes-6455	16	34	to	to	ADP
aijes-6455	16	35	sources	source	NOUN
aijes-6455	16	36	of	of	ADP
aijes-6455	16	37	financing	financing	NOUN
aijes-6455	16	38	.	.	PUNCT
aijes-6455	17	1	renewal	renewal	NOUN
aijes-6455	17	2	of	of	ADP
aijes-6455	17	3	production	production	NOUN
aijes-6455	17	4	capacity	capacity	NOUN
aijes-6455	17	5	,	,	PUNCT
aijes-6455	17	6	increase	increase	NOUN
aijes-6455	17	7	of	of	ADP
aijes-6455	17	8	fixed	fix	VERB
aijes-6455	17	9	capital	capital	NOUN
aijes-6455	17	10	,	,	PUNCT
aijes-6455	17	11	finding	find	VERB
aijes-6455	17	12	new	new	ADJ
aijes-6455	17	13	forms	form	NOUN
aijes-6455	17	14	and	and	CCONJ
aijes-6455	17	15	mechanisms	mechanism	NOUN
aijes-6455	17	16	of	of	ADP
aijes-6455	17	17	investment	investment	NOUN
aijes-6455	17	18	attraction	attraction	NOUN
aijes-6455	17	19	for	for	ADP
aijes-6455	17	20	modernization	modernization	NOUN
aijes-6455	17	21	of	of	ADP
aijes-6455	17	22	production	production	NOUN
aijes-6455	17	23	,	,	PUNCT
aijes-6455	17	24	will	will	AUX
aijes-6455	17	25	stimulate	stimulate	VERB
aijes-6455	17	26	growth	growth	NOUN
aijes-6455	17	27	of	of	ADP
aijes-6455	17	28	economic	economic	ADJ
aijes-6455	17	29	activity	activity	NOUN
aijes-6455	17	30	and	and	CCONJ
aijes-6455	17	31	investment	investment	NOUN
aijes-6455	17	32	opportunities	opportunity	NOUN
aijes-6455	17	33	.	.	PUNCT
aijes-6455	18	1	the	the	DET
aijes-6455	18	2	deep	deep	ADJ
aijes-6455	18	3	reforms	reform	NOUN
aijes-6455	18	4	initiated	initiate	VERB
aijes-6455	18	5	in	in	ADP
aijes-6455	18	6	the	the	DET
aijes-6455	18	7	economy	economy	NOUN
aijes-6455	18	8	have	have	AUX
aijes-6455	18	9	created	create	VERB
aijes-6455	18	10	a	a	DET
aijes-6455	18	11	favorable	favorable	ADJ
aijes-6455	18	12	opportunity	opportunity	NOUN
aijes-6455	18	13	for	for	ADP
aijes-6455	18	14	the	the	DET
aijes-6455	18	15	formation	formation	NOUN
aijes-6455	18	16	of	of	ADP
aijes-6455	18	17	a	a	DET
aijes-6455	18	18	new	new	ADJ
aijes-6455	18	19	development	development	NOUN
aijes-6455	18	20	model	model	NOUN
aijes-6455	18	21	and	and	CCONJ
aijes-6455	18	22	the	the	DET
aijes-6455	18	23	achievement	achievement	NOUN
aijes-6455	18	24	of	of	ADP
aijes-6455	18	25	sustainable	sustainable	ADJ
aijes-6455	18	26	economic	economic	ADJ
aijes-6455	18	27	growth	growth	NOUN
aijes-6455	18	28	.	.	PUNCT
aijes-6455	19	1	in	in	ADP
aijes-6455	19	2	such	such	ADJ
aijes-6455	19	3	circumstances	circumstance	NOUN
aijes-6455	19	4	,	,	PUNCT
aijes-6455	19	5	ensuring	ensure	VERB
aijes-6455	19	6	the	the	DET
aijes-6455	19	7	transition	transition	NOUN
aijes-6455	19	8	from	from	ADP
aijes-6455	19	9	the	the	DET
aijes-6455	19	10	“	"	PUNCT
aijes-6455	19	11	capital	capital	NOUN
aijes-6455	19	12	accumulation	accumulation	NOUN
aijes-6455	19	13	”	"	PUNCT
aijes-6455	19	14	based	base	VERB
aijes-6455	19	15	model	model	NOUN
aijes-6455	19	16	to	to	ADP
aijes-6455	19	17	the	the	DET
aijes-6455	19	18	“	"	PUNCT
aijes-6455	19	19	effective	effective	ADJ
aijes-6455	19	20	”	"	PUNCT
aijes-6455	19	21	based	base	VERB
aijes-6455	19	22	growth	growth	NOUN
aijes-6455	19	23	model	model	NOUN
aijes-6455	19	24	(	(	PUNCT
aijes-6455	19	25	azerbaijani	azerbaijani	PROPN
aijes-6455	19	26	government	government	NOUN
aijes-6455	19	27	,	,	PUNCT
aijes-6455	19	28	2016	2016	NUM
aijes-6455	19	29	)	)	PUNCT
aijes-6455	19	30	is	be	AUX
aijes-6455	19	31	considered	consider	VERB
aijes-6455	19	32	the	the	DET
aijes-6455	19	33	most	most	ADV
aijes-6455	19	34	important	important	ADJ
aijes-6455	19	35	strategic	strategic	ADJ
aijes-6455	19	36	challenge	challenge	NOUN
aijes-6455	19	37	of	of	ADP
aijes-6455	19	38	the	the	DET
aijes-6455	19	39	new	new	ADJ
aijes-6455	19	40	era	era	NOUN
aijes-6455	19	41	.	.	PUNCT
aijes-6455	20	1	the	the	DET
aijes-6455	20	2	historical	historical	ADJ
aijes-6455	20	3	services	service	NOUN
aijes-6455	20	4	of	of	ADP
aijes-6455	20	5	the	the	DET
aijes-6455	20	6	great	great	ADJ
aijes-6455	20	7	leader	leader	NOUN
aijes-6455	20	8	heydar	heydar	PROPN
aijes-6455	20	9	aliyev	aliyev	PROPN
aijes-6455	20	10	,	,	PUNCT
aijes-6455	20	11	who	who	PRON
aijes-6455	20	12	has	have	VERB
aijes-6455	20	13	independent	independent	ADJ
aijes-6455	20	14	organization	organization	NOUN
aijes-6455	20	15	,	,	PUNCT
aijes-6455	20	16	management	management	NOUN
aijes-6455	20	17	skills	skill	NOUN
aijes-6455	20	18	and	and	CCONJ
aijes-6455	20	19	phenomenal	phenomenal	ADJ
aijes-6455	20	20	analytical	analytical	ADJ
aijes-6455	20	21	thinking	thinking	NOUN
aijes-6455	20	22	,	,	PUNCT
aijes-6455	20	23	are	be	AUX
aijes-6455	20	24	invaluable	invaluable	ADJ
aijes-6455	20	25	.	.	PUNCT
aijes-6455	21	1	the	the	DET
aijes-6455	21	2	mailto:zakir_zeynalov@unec.edu.az	mailto:zakir_zeynalov@unec.edu.az	PROPN
aijes-6455	21	3	the	the	DET
aijes-6455	21	4	impact	impact	NOUN
aijes-6455	21	5	of	of	ADP
aijes-6455	21	6	digital	digital	ADJ
aijes-6455	21	7	payments	payment	NOUN
aijes-6455	21	8	on	on	ADP
aijes-6455	21	9	the	the	DET
aijes-6455	21	10	growth	growth	NOUN
aijes-6455	21	11	of	of	ADP
aijes-6455	21	12	cashless	cashless	NOUN
aijes-6455	21	13	payments	payment	NOUN
aijes-6455	21	14	and	and	CCONJ
aijes-6455	21	15	the	the	DET
aijes-6455	21	16	factors	factor	NOUN
aijes-6455	21	17	limiting	limit	VERB
aijes-6455	21	18	access	access	NOUN
aijes-6455	21	19	to	to	ADP
aijes-6455	21	20	financial	financial	ADJ
aijes-6455	21	21	services	service	NOUN
aijes-6455	21	22	182	182	NUM
aijes-6455	21	23	national	national	ADJ
aijes-6455	21	24	economic	economic	ADJ
aijes-6455	21	25	development	development	NOUN
aijes-6455	21	26	strategy	strategy	NOUN
aijes-6455	21	27	,	,	PUNCT
aijes-6455	21	28	which	which	PRON
aijes-6455	21	29	was	be	AUX
aijes-6455	21	30	founded	found	VERB
aijes-6455	21	31	by	by	ADP
aijes-6455	21	32	heydar	heydar	PROPN
aijes-6455	21	33	aliyev	aliyev	PROPN
aijes-6455	21	34	,	,	PUNCT
aijes-6455	21	35	is	be	AUX
aijes-6455	21	36	successfully	successfully	ADV
aijes-6455	21	37	continued	continue	VERB
aijes-6455	21	38	by	by	ADP
aijes-6455	21	39	ilham	ilham	PROPN
aijes-6455	21	40	aliyev	aliyev	PROPN
aijes-6455	21	41	.	.	PUNCT
aijes-6455	22	1	the	the	DET
aijes-6455	22	2	follower	follower	NOUN
aijes-6455	22	3	of	of	ADP
aijes-6455	22	4	h.	h.	PROPN
aijes-6455	22	5	aliyev	aliyev	PROPN
aijes-6455	22	6	’s	’s	PART
aijes-6455	22	7	policy	policy	NOUN
aijes-6455	22	8	,	,	PUNCT
aijes-6455	22	9	political	political	ADJ
aijes-6455	22	10	heir	heir	NOUN
aijes-6455	22	11	,	,	PUNCT
aijes-6455	22	12	courageous	courageous	ADJ
aijes-6455	22	13	and	and	CCONJ
aijes-6455	22	14	heroic	heroic	ADJ
aijes-6455	22	15	statesman	statesman	NOUN
aijes-6455	22	16	,	,	PUNCT
aijes-6455	22	17	president	president	NOUN
aijes-6455	22	18	of	of	ADP
aijes-6455	22	19	the	the	DET
aijes-6455	22	20	republic	republic	PROPN
aijes-6455	22	21	of	of	ADP
aijes-6455	22	22	azerbaijan	azerbaijan	PROPN
aijes-6455	22	23	commander	commander	PROPN
aijes-6455	22	24	-	-	PUNCT
aijes-6455	22	25	in	in	ADP
aijes-6455	22	26	-	-	PUNCT
aijes-6455	22	27	chief	chief	NOUN
aijes-6455	22	28	ilham	ilham	PROPN
aijes-6455	22	29	aliyev	aliyev	PROPN
aijes-6455	22	30	played	play	VERB
aijes-6455	22	31	an	an	DET
aijes-6455	22	32	unparalleled	unparalleled	ADJ
aijes-6455	22	33	role	role	NOUN
aijes-6455	22	34	in	in	ADP
aijes-6455	22	35	the	the	DET
aijes-6455	22	36	formation	formation	NOUN
aijes-6455	22	37	and	and	CCONJ
aijes-6455	22	38	establishment	establishment	NOUN
aijes-6455	22	39	of	of	ADP
aijes-6455	22	40	the	the	DET
aijes-6455	22	41	oil	oil	NOUN
aijes-6455	22	42	strategy	strategy	NOUN
aijes-6455	22	43	.	.	PUNCT
aijes-6455	23	1	in	in	ADP
aijes-6455	23	2	the	the	DET
aijes-6455	23	3	last	last	ADJ
aijes-6455	23	4	20	20	NUM
aijes-6455	23	5	years	year	NOUN
aijes-6455	23	6	,	,	PUNCT
aijes-6455	23	7	the	the	DET
aijes-6455	23	8	strategic	strategic	ADJ
aijes-6455	23	9	goals	goal	NOUN
aijes-6455	23	10	set	set	VERB
aijes-6455	23	11	by	by	ADP
aijes-6455	23	12	the	the	DET
aijes-6455	23	13	president	president	NOUN
aijes-6455	23	14	of	of	ADP
aijes-6455	23	15	the	the	DET
aijes-6455	23	16	country	country	NOUN
aijes-6455	23	17	,	,	PUNCT
aijes-6455	23	18	ilham	ilham	PROPN
aijes-6455	23	19	aliyev	aliyev	PROPN
aijes-6455	23	20	,	,	PUNCT
aijes-6455	23	21	have	have	AUX
aijes-6455	23	22	been	be	AUX
aijes-6455	23	23	achieved	achieve	VERB
aijes-6455	23	24	.	.	PUNCT
aijes-6455	24	1	during	during	ADP
aijes-6455	24	2	this	this	DET
aijes-6455	24	3	period	period	NOUN
aijes-6455	24	4	,	,	PUNCT
aijes-6455	24	5	the	the	DET
aijes-6455	24	6	economy	economy	NOUN
aijes-6455	24	7	of	of	ADP
aijes-6455	24	8	azerbaijan	azerbaijan	PROPN
aijes-6455	24	9	increased	increase	VERB
aijes-6455	24	10	by	by	ADP
aijes-6455	24	11	4	4	NUM
aijes-6455	24	12	times	time	NOUN
aijes-6455	24	13	,	,	PUNCT
aijes-6455	24	14	the	the	DET
aijes-6455	24	15	nonoil	nonoil	NOUN
aijes-6455	24	16	sector	sector	NOUN
aijes-6455	24	17	by	by	ADP
aijes-6455	24	18	2.8	2.8	NUM
aijes-6455	24	19	times	time	NOUN
aijes-6455	24	20	,	,	PUNCT
aijes-6455	24	21	and	and	CCONJ
aijes-6455	24	22	the	the	DET
aijes-6455	24	23	non	non	ADJ
aijes-6455	24	24	-	-	ADJ
aijes-6455	24	25	oil	oil	ADJ
aijes-6455	24	26	export	export	NOUN
aijes-6455	24	27	by	by	ADP
aijes-6455	24	28	4.1	4.1	NUM
aijes-6455	24	29	times	time	NOUN
aijes-6455	24	30	.	.	PUNCT
aijes-6455	25	1	strategic	strategic	ADJ
aijes-6455	25	2	currency	currency	NOUN
aijes-6455	25	3	reserves	reserve	NOUN
aijes-6455	25	4	exceeded	exceed	VERB
aijes-6455	25	5	65	65	NUM
aijes-6455	25	6	billion	billion	NUM
aijes-6455	25	7	dollars	dollar	NOUN
aijes-6455	25	8	as	as	ADP
aijes-6455	25	9	of	of	ADP
aijes-6455	25	10	01.06.2023	01.06.2023	NOUN
aijes-6455	25	11	.	.	PUNCT
aijes-6455	26	1	the	the	DET
aijes-6455	26	2	main	main	ADJ
aijes-6455	26	3	purpose	purpose	NOUN
aijes-6455	26	4	of	of	ADP
aijes-6455	26	5	the	the	DET
aijes-6455	26	6	digital	digital	ADJ
aijes-6455	26	7	payment	payment	NOUN
aijes-6455	26	8	system	system	NOUN
aijes-6455	26	9	is	be	AUX
aijes-6455	26	10	to	to	PART
aijes-6455	26	11	ensure	ensure	VERB
aijes-6455	26	12	continuity	continuity	NOUN
aijes-6455	26	13	of	of	ADP
aijes-6455	26	14	the	the	DET
aijes-6455	26	15	payment	payment	NOUN
aijes-6455	26	16	service	service	NOUN
aijes-6455	26	17	.	.	PUNCT
aijes-6455	27	1	most	most	ADJ
aijes-6455	27	2	countries	country	NOUN
aijes-6455	27	3	of	of	ADP
aijes-6455	27	4	the	the	DET
aijes-6455	27	5	world	world	NOUN
aijes-6455	27	6	are	be	AUX
aijes-6455	27	7	moving	move	VERB
aijes-6455	27	8	towards	towards	ADP
aijes-6455	27	9	digitalization	digitalization	NOUN
aijes-6455	27	10	,	,	PUNCT
aijes-6455	27	11	the	the	DET
aijes-6455	27	12	use	use	NOUN
aijes-6455	27	13	of	of	ADP
aijes-6455	27	14	non	non	ADJ
aijes-6455	27	15	-	-	ADJ
aijes-6455	27	16	cash	cash	ADJ
aijes-6455	27	17	payment	payment	NOUN
aijes-6455	27	18	methods	method	NOUN
aijes-6455	27	19	is	be	AUX
aijes-6455	27	20	spreading	spread	VERB
aijes-6455	27	21	faster	fast	ADV
aijes-6455	27	22	.	.	PUNCT
aijes-6455	28	1	the	the	DET
aijes-6455	28	2	changes	change	NOUN
aijes-6455	28	3	in	in	ADP
aijes-6455	28	4	the	the	DET
aijes-6455	28	5	digital	digital	ADJ
aijes-6455	28	6	payment	payment	NOUN
aijes-6455	28	7	system	system	NOUN
aijes-6455	28	8	,	,	PUNCT
aijes-6455	28	9	the	the	DET
aijes-6455	28	10	availability	availability	NOUN
aijes-6455	28	11	of	of	ADP
aijes-6455	28	12	non	non	ADJ
aijes-6455	28	13	-	-	ADJ
aijes-6455	28	14	cash	cash	ADJ
aijes-6455	28	15	payments	payment	NOUN
aijes-6455	28	16	in	in	ADP
aijes-6455	28	17	the	the	DET
aijes-6455	28	18	payment	payment	NOUN
aijes-6455	28	19	system	system	NOUN
aijes-6455	28	20	to	to	ADP
aijes-6455	28	21	the	the	DET
aijes-6455	28	22	financial	financial	ADJ
aijes-6455	28	23	services	service	NOUN
aijes-6455	28	24	of	of	ADP
aijes-6455	28	25	the	the	DET
aijes-6455	28	26	population	population	NOUN
aijes-6455	28	27	and	and	CCONJ
aijes-6455	28	28	enterprises	enterprise	NOUN
aijes-6455	28	29	,	,	PUNCT
aijes-6455	28	30	increase	increase	VERB
aijes-6455	28	31	the	the	DET
aijes-6455	28	32	relevance	relevance	NOUN
aijes-6455	28	33	in	in	ADP
aijes-6455	28	34	the	the	DET
aijes-6455	28	35	financial	financial	ADJ
aijes-6455	28	36	sector	sector	NOUN
aijes-6455	28	37	.	.	PUNCT
aijes-6455	29	1	the	the	DET
aijes-6455	29	2	covid-19	covid-19	PROPN
aijes-6455	29	3	pandemic	pandemic	NOUN
aijes-6455	29	4	has	have	AUX
aijes-6455	29	5	spurred	spur	VERB
aijes-6455	29	6	the	the	DET
aijes-6455	29	7	adoption	adoption	NOUN
aijes-6455	29	8	of	of	ADP
aijes-6455	29	9	digital	digital	ADJ
aijes-6455	29	10	payments	payment	NOUN
aijes-6455	29	11	internationally	internationally	ADV
aijes-6455	29	12	.	.	PUNCT
aijes-6455	30	1	in	in	ADP
aijes-6455	30	2	recent	recent	ADJ
aijes-6455	30	3	years	year	NOUN
aijes-6455	30	4	,	,	PUNCT
aijes-6455	30	5	the	the	DET
aijes-6455	30	6	population	population	NOUN
aijes-6455	30	7	and	and	CCONJ
aijes-6455	30	8	economic	economic	ADJ
aijes-6455	30	9	entities	entity	NOUN
aijes-6455	30	10	in	in	ADP
aijes-6455	30	11	our	our	PRON
aijes-6455	30	12	country	country	NOUN
aijes-6455	30	13	have	have	AUX
aijes-6455	30	14	readily	readily	ADV
aijes-6455	30	15	embraced	embrace	VERB
aijes-6455	30	16	the	the	DET
aijes-6455	30	17	use	use	NOUN
aijes-6455	30	18	of	of	ADP
aijes-6455	30	19	digital	digital	ADJ
aijes-6455	30	20	technologies	technology	NOUN
aijes-6455	30	21	.	.	PUNCT
aijes-6455	31	1	electronic	electronic	ADJ
aijes-6455	31	2	money	money	NOUN
aijes-6455	31	3	is	be	AUX
aijes-6455	31	4	considered	consider	VERB
aijes-6455	31	5	safer	safe	ADJ
aijes-6455	31	6	and	and	CCONJ
aijes-6455	31	7	more	more	ADV
aijes-6455	31	8	convenient	convenient	ADJ
aijes-6455	31	9	than	than	ADP
aijes-6455	31	10	physical	physical	ADJ
aijes-6455	31	11	currency	currency	NOUN
aijes-6455	31	12	,	,	PUNCT
aijes-6455	31	13	facilitating	facilitate	VERB
aijes-6455	31	14	quick	quick	ADJ
aijes-6455	31	15	and	and	CCONJ
aijes-6455	31	16	efficient	efficient	ADJ
aijes-6455	31	17	financial	financial	ADJ
aijes-6455	31	18	transactions	transaction	NOUN
aijes-6455	31	19	.	.	PUNCT
aijes-6455	32	1	this	this	DET
aijes-6455	32	2	approach	approach	NOUN
aijes-6455	32	3	aims	aim	VERB
aijes-6455	32	4	to	to	PART
aijes-6455	32	5	minimize	minimize	VERB
aijes-6455	32	6	the	the	DET
aijes-6455	32	7	risks	risk	NOUN
aijes-6455	32	8	associated	associate	VERB
aijes-6455	32	9	with	with	ADP
aijes-6455	32	10	banking	banking	NOUN
aijes-6455	32	11	transactions	transaction	NOUN
aijes-6455	32	12	,	,	PUNCT
aijes-6455	32	13	ensuring	ensure	VERB
aijes-6455	32	14	the	the	DET
aijes-6455	32	15	reliability	reliability	NOUN
aijes-6455	32	16	of	of	ADP
aijes-6455	32	17	the	the	DET
aijes-6455	32	18	payment	payment	NOUN
aijes-6455	32	19	system	system	NOUN
aijes-6455	32	20	and	and	CCONJ
aijes-6455	32	21	the	the	DET
aijes-6455	32	22	security	security	NOUN
aijes-6455	32	23	of	of	ADP
aijes-6455	32	24	non	non	ADJ
aijes-6455	32	25	-	-	ADJ
aijes-6455	32	26	cash	cash	ADJ
aijes-6455	32	27	payment	payment	NOUN
aijes-6455	32	28	instruments	instrument	NOUN
aijes-6455	32	29	.	.	PUNCT
aijes-6455	33	1	additionally	additionally	ADV
aijes-6455	33	2	,	,	PUNCT
aijes-6455	33	3	it	it	PRON
aijes-6455	33	4	seeks	seek	VERB
aijes-6455	33	5	to	to	PART
aijes-6455	33	6	enhance	enhance	VERB
aijes-6455	33	7	the	the	DET
aijes-6455	33	8	efficiency	efficiency	NOUN
aijes-6455	33	9	and	and	CCONJ
aijes-6455	33	10	speed	speed	NOUN
aijes-6455	33	11	of	of	ADP
aijes-6455	33	12	payment	payment	NOUN
aijes-6455	33	13	transactions	transaction	NOUN
aijes-6455	33	14	by	by	ADP
aijes-6455	33	15	reducing	reduce	VERB
aijes-6455	33	16	associated	associated	ADJ
aijes-6455	33	17	costs	cost	NOUN
aijes-6455	33	18	,	,	PUNCT
aijes-6455	33	19	promoting	promote	VERB
aijes-6455	33	20	financial	financial	ADJ
aijes-6455	33	21	inclusion	inclusion	NOUN
aijes-6455	33	22	by	by	ADP
aijes-6455	33	23	ensuring	ensure	VERB
aijes-6455	33	24	widespread	widespread	ADJ
aijes-6455	33	25	access	access	NOUN
aijes-6455	33	26	to	to	ADP
aijes-6455	33	27	payment	payment	NOUN
aijes-6455	33	28	services	service	NOUN
aijes-6455	33	29	,	,	PUNCT
aijes-6455	33	30	and	and	CCONJ
aijes-6455	33	31	fostering	foster	VERB
aijes-6455	33	32	innovation	innovation	NOUN
aijes-6455	33	33	in	in	ADP
aijes-6455	33	34	the	the	DET
aijes-6455	33	35	payment	payment	NOUN
aijes-6455	33	36	market	market	NOUN
aijes-6455	33	37	within	within	ADP
aijes-6455	33	38	the	the	DET
aijes-6455	33	39	digital	digital	ADJ
aijes-6455	33	40	economy	economy	NOUN
aijes-6455	33	41	.	.	PUNCT
aijes-6455	34	1	the	the	DET
aijes-6455	34	2	establishment	establishment	NOUN
aijes-6455	34	3	of	of	ADP
aijes-6455	34	4	a	a	DET
aijes-6455	34	5	digital	digital	ADJ
aijes-6455	34	6	economy	economy	NOUN
aijes-6455	34	7	holds	hold	VERB
aijes-6455	34	8	a	a	DET
aijes-6455	34	9	significant	significant	ADJ
aijes-6455	34	10	role	role	NOUN
aijes-6455	34	11	in	in	ADP
aijes-6455	34	12	fortifying	fortify	VERB
aijes-6455	34	13	the	the	DET
aijes-6455	34	14	financial	financial	ADJ
aijes-6455	34	15	stability	stability	NOUN
aijes-6455	34	16	of	of	ADP
aijes-6455	34	17	the	the	DET
aijes-6455	34	18	banking	banking	NOUN
aijes-6455	34	19	system	system	NOUN
aijes-6455	34	20	.	.	PUNCT
aijes-6455	35	1	the	the	DET
aijes-6455	35	2	application	application	NOUN
aijes-6455	35	3	of	of	ADP
aijes-6455	35	4	digital	digital	ADJ
aijes-6455	35	5	technologies	technology	NOUN
aijes-6455	35	6	in	in	ADP
aijes-6455	35	7	payment	payment	NOUN
aijes-6455	35	8	services	service	NOUN
aijes-6455	35	9	enables	enable	VERB
aijes-6455	35	10	market	market	NOUN
aijes-6455	35	11	participants	participant	NOUN
aijes-6455	35	12	to	to	PART
aijes-6455	35	13	conduct	conduct	VERB
aijes-6455	35	14	their	their	PRON
aijes-6455	35	15	payments	payment	NOUN
aijes-6455	35	16	securely	securely	ADV
aijes-6455	35	17	and	and	CCONJ
aijes-6455	35	18	conveniently	conveniently	ADV
aijes-6455	35	19	.	.	PUNCT
aijes-6455	36	1	this	this	PRON
aijes-6455	36	2	,	,	PUNCT
aijes-6455	36	3	in	in	ADP
aijes-6455	36	4	turn	turn	NOUN
aijes-6455	36	5	,	,	PUNCT
aijes-6455	36	6	contributes	contribute	VERB
aijes-6455	36	7	to	to	ADP
aijes-6455	36	8	broader	broad	ADJ
aijes-6455	36	9	involvement	involvement	NOUN
aijes-6455	36	10	in	in	ADP
aijes-6455	36	11	economic	economic	ADJ
aijes-6455	36	12	cycles	cycle	NOUN
aijes-6455	36	13	within	within	ADP
aijes-6455	36	14	the	the	DET
aijes-6455	36	15	banking	banking	NOUN
aijes-6455	36	16	sector	sector	NOUN
aijes-6455	36	17	,	,	PUNCT
aijes-6455	36	18	restricts	restrict	VERB
aijes-6455	36	19	informal	informal	ADJ
aijes-6455	36	20	economic	economic	ADJ
aijes-6455	36	21	activities	activity	NOUN
aijes-6455	36	22	,	,	PUNCT
aijes-6455	36	23	and	and	CCONJ
aijes-6455	36	24	augments	augment	VERB
aijes-6455	36	25	banks	bank	NOUN
aijes-6455	36	26	'	'	PART
aijes-6455	36	27	credit	credit	NOUN
aijes-6455	36	28	resources	resource	NOUN
aijes-6455	36	29	and	and	CCONJ
aijes-6455	36	30	financial	financial	ADJ
aijes-6455	36	31	intermediation	intermediation	NOUN
aijes-6455	36	32	.	.	PUNCT
aijes-6455	37	1	in	in	ADP
aijes-6455	37	2	azerbaijan	azerbaijan	PROPN
aijes-6455	37	3	,	,	PUNCT
aijes-6455	37	4	several	several	ADJ
aijes-6455	37	5	legislative	legislative	ADJ
aijes-6455	37	6	acts	act	NOUN
aijes-6455	37	7	have	have	AUX
aijes-6455	37	8	been	be	AUX
aijes-6455	37	9	enacted	enact	VERB
aijes-6455	37	10	in	in	ADP
aijes-6455	37	11	recent	recent	ADJ
aijes-6455	37	12	years	year	NOUN
aijes-6455	37	13	to	to	PART
aijes-6455	37	14	expand	expand	VERB
aijes-6455	37	15	non	non	ADJ
aijes-6455	37	16	-	-	ADJ
aijes-6455	37	17	cash	cash	ADJ
aijes-6455	37	18	payments	payment	NOUN
aijes-6455	37	19	and	and	CCONJ
aijes-6455	37	20	enhance	enhance	VERB
aijes-6455	37	21	transparency	transparency	NOUN
aijes-6455	37	22	in	in	ADP
aijes-6455	37	23	the	the	DET
aijes-6455	37	24	economy	economy	NOUN
aijes-6455	37	25	.	.	PUNCT
aijes-6455	38	1	the	the	DET
aijes-6455	38	2	implementation	implementation	NOUN
aijes-6455	38	3	of	of	ADP
aijes-6455	38	4	new	new	ADJ
aijes-6455	38	5	laws	law	NOUN
aijes-6455	38	6	in	in	ADP
aijes-6455	38	7	this	this	DET
aijes-6455	38	8	direction	direction	NOUN
aijes-6455	38	9	creates	create	VERB
aijes-6455	38	10	fresh	fresh	ADJ
aijes-6455	38	11	opportunities	opportunity	NOUN
aijes-6455	38	12	.	.	PUNCT
aijes-6455	39	1	key	key	ADJ
aijes-6455	39	2	objectives	objective	NOUN
aijes-6455	39	3	include	include	VERB
aijes-6455	39	4	expanding	expand	VERB
aijes-6455	39	5	the	the	DET
aijes-6455	39	6	non	non	ADJ
aijes-6455	39	7	-	-	ADJ
aijes-6455	39	8	cash	cash	ADJ
aijes-6455	39	9	payment	payment	NOUN
aijes-6455	39	10	environment	environment	NOUN
aijes-6455	39	11	among	among	ADP
aijes-6455	39	12	the	the	DET
aijes-6455	39	13	population	population	NOUN
aijes-6455	39	14	and	and	CCONJ
aijes-6455	39	15	business	business	NOUN
aijes-6455	39	16	entities	entity	NOUN
aijes-6455	39	17	,	,	PUNCT
aijes-6455	39	18	as	as	ADV
aijes-6455	39	19	well	well	ADV
aijes-6455	39	20	as	as	ADP
aijes-6455	39	21	state	state	NOUN
aijes-6455	39	22	structures	structure	NOUN
aijes-6455	39	23	,	,	PUNCT
aijes-6455	39	24	while	while	SCONJ
aijes-6455	39	25	simultaneously	simultaneously	ADV
aijes-6455	39	26	minimizing	minimize	VERB
aijes-6455	39	27	the	the	DET
aijes-6455	39	28	volume	volume	NOUN
aijes-6455	39	29	of	of	ADP
aijes-6455	39	30	cash	cash	NOUN
aijes-6455	39	31	circulation	circulation	NOUN
aijes-6455	39	32	.	.	PUNCT
aijes-6455	40	1	overall	overall	ADV
aijes-6455	40	2	,	,	PUNCT
aijes-6455	40	3	these	these	DET
aijes-6455	40	4	initiatives	initiative	NOUN
aijes-6455	40	5	underscore	underscore	VERB
aijes-6455	40	6	the	the	DET
aijes-6455	40	7	commitment	commitment	NOUN
aijes-6455	40	8	to	to	ADP
aijes-6455	40	9	embracing	embrace	VERB
aijes-6455	40	10	digital	digital	ADJ
aijes-6455	40	11	advancements	advancement	NOUN
aijes-6455	40	12	,	,	PUNCT
aijes-6455	40	13	fostering	foster	VERB
aijes-6455	40	14	financial	financial	ADJ
aijes-6455	40	15	stability	stability	NOUN
aijes-6455	40	16	,	,	PUNCT
aijes-6455	40	17	and	and	CCONJ
aijes-6455	40	18	driving	drive	VERB
aijes-6455	40	19	economic	economic	ADJ
aijes-6455	40	20	growth	growth	NOUN
aijes-6455	40	21	through	through	ADP
aijes-6455	40	22	a	a	DET
aijes-6455	40	23	more	more	ADV
aijes-6455	40	24	efficient	efficient	ADJ
aijes-6455	40	25	and	and	CCONJ
aijes-6455	40	26	transparent	transparent	ADJ
aijes-6455	40	27	payment	payment	NOUN
aijes-6455	40	28	ecosystem	ecosystem	NOUN
aijes-6455	40	29	.	.	PUNCT
aijes-6455	41	1	the	the	DET
aijes-6455	41	2	application	application	NOUN
aijes-6455	41	3	and	and	CCONJ
aijes-6455	41	4	expansion	expansion	NOUN
aijes-6455	41	5	of	of	ADP
aijes-6455	41	6	digital	digital	ADJ
aijes-6455	41	7	payment	payment	NOUN
aijes-6455	41	8	technology	technology	NOUN
aijes-6455	41	9	will	will	AUX
aijes-6455	41	10	lead	lead	VERB
aijes-6455	41	11	to	to	ADP
aijes-6455	41	12	a	a	DET
aijes-6455	41	13	reduction	reduction	NOUN
aijes-6455	41	14	in	in	ADP
aijes-6455	41	15	cash	cash	NOUN
aijes-6455	41	16	-	-	PUNCT
aijes-6455	41	17	related	relate	VERB
aijes-6455	41	18	costs	cost	NOUN
aijes-6455	41	19	,	,	PUNCT
aijes-6455	41	20	a	a	DET
aijes-6455	41	21	systematic	systematic	ADJ
aijes-6455	41	22	provision	provision	NOUN
aijes-6455	41	23	of	of	ADP
aijes-6455	41	24	the	the	DET
aijes-6455	41	25	tax	tax	NOUN
aijes-6455	41	26	base	base	NOUN
aijes-6455	41	27	,	,	PUNCT
aijes-6455	41	28	as	as	ADV
aijes-6455	41	29	well	well	ADV
aijes-6455	41	30	as	as	ADP
aijes-6455	41	31	access	access	NOUN
aijes-6455	41	32	to	to	ADP
aijes-6455	41	33	financial	financial	ADJ
aijes-6455	41	34	services	service	NOUN
aijes-6455	41	35	for	for	ADP
aijes-6455	41	36	market	market	NOUN
aijes-6455	41	37	subjects	subject	NOUN
aijes-6455	41	38	,	,	PUNCT
aijes-6455	41	39	an	an	DET
aijes-6455	41	40	increase	increase	NOUN
aijes-6455	41	41	in	in	ADP
aijes-6455	41	42	investment	investment	NOUN
aijes-6455	41	43	and	and	CCONJ
aijes-6455	41	44	credit	credit	NOUN
aijes-6455	41	45	opportunities	opportunity	NOUN
aijes-6455	41	46	for	for	ADP
aijes-6455	41	47	the	the	DET
aijes-6455	41	48	banking	banking	NOUN
aijes-6455	41	49	sector	sector	NOUN
aijes-6455	41	50	in	in	ADP
aijes-6455	41	51	general	general	ADJ
aijes-6455	41	52	,	,	PUNCT
aijes-6455	41	53	and	and	CCONJ
aijes-6455	41	54	ultimately	ultimately	ADV
aijes-6455	41	55	economic	economic	ADJ
aijes-6455	41	56	growth	growth	NOUN
aijes-6455	41	57	.	.	PUNCT
aijes-6455	42	1	within	within	ADP
aijes-6455	42	2	the	the	DET
aijes-6455	42	3	framework	framework	NOUN
aijes-6455	42	4	of	of	ADP
aijes-6455	42	5	the	the	DET
aijes-6455	42	6	state	state	NOUN
aijes-6455	42	7	program	program	NOUN
aijes-6455	42	8	,	,	PUNCT
aijes-6455	42	9	the	the	DET
aijes-6455	42	10	range	range	NOUN
aijes-6455	42	11	and	and	CCONJ
aijes-6455	42	12	volume	volume	NOUN
aijes-6455	42	13	of	of	ADP
aijes-6455	42	14	electronic	electronic	ADJ
aijes-6455	42	15	banking	banking	NOUN
aijes-6455	42	16	operations	operation	NOUN
aijes-6455	42	17	will	will	AUX
aijes-6455	42	18	expand	expand	VERB
aijes-6455	42	19	,	,	PUNCT
aijes-6455	42	20	the	the	DET
aijes-6455	42	21	proportion	proportion	NOUN
aijes-6455	42	22	of	of	ADP
aijes-6455	42	23	the	the	DET
aijes-6455	42	24	population	population	NOUN
aijes-6455	42	25	using	use	VERB
aijes-6455	42	26	electronic	electronic	ADJ
aijes-6455	42	27	banking	banking	NOUN
aijes-6455	42	28	will	will	AUX
aijes-6455	42	29	increase	increase	VERB
aijes-6455	42	30	,	,	PUNCT
aijes-6455	42	31	and	and	CCONJ
aijes-6455	42	32	the	the	DET
aijes-6455	42	33	growth	growth	NOUN
aijes-6455	42	34	of	of	ADP
aijes-6455	42	35	the	the	DET
aijes-6455	42	36	volume	volume	NOUN
aijes-6455	42	37	of	of	ADP
aijes-6455	42	38	electronic	electronic	ADJ
aijes-6455	42	39	commerce	commerce	NOUN
aijes-6455	42	40	will	will	AUX
aijes-6455	42	41	accelerate	accelerate	VERB
aijes-6455	42	42	the	the	DET
aijes-6455	42	43	de	de	NOUN
aijes-6455	42	44	-	-	NOUN
aijes-6455	42	45	cashing	cashing	NOUN
aijes-6455	42	46	of	of	ADP
aijes-6455	42	47	the	the	DET
aijes-6455	42	48	economy	economy	NOUN
aijes-6455	42	49	.	.	PUNCT
aijes-6455	43	1	this	this	PRON
aijes-6455	43	2	will	will	AUX
aijes-6455	43	3	significantly	significantly	ADV
aijes-6455	43	4	contribute	contribute	VERB
aijes-6455	43	5	to	to	ADP
aijes-6455	43	6	the	the	DET
aijes-6455	43	7	increase	increase	NOUN
aijes-6455	43	8	of	of	ADP
aijes-6455	43	9	budget	budget	NOUN
aijes-6455	43	10	revenues	revenue	NOUN
aijes-6455	43	11	and	and	CCONJ
aijes-6455	43	12	the	the	DET
aijes-6455	43	13	standard	standard	NOUN
aijes-6455	43	14	of	of	ADP
aijes-6455	43	15	living	living	NOUN
aijes-6455	43	16	of	of	ADP
aijes-6455	43	17	the	the	DET
aijes-6455	43	18	population	population	NOUN
aijes-6455	43	19	.	.	PUNCT
aijes-6455	44	1	it	it	PRON
aijes-6455	44	2	should	should	AUX
aijes-6455	44	3	be	be	AUX
aijes-6455	44	4	noted	note	VERB
aijes-6455	44	5	that	that	SCONJ
aijes-6455	44	6	banking	banking	NOUN
aijes-6455	44	7	services	service	NOUN
aijes-6455	44	8	are	be	AUX
aijes-6455	44	9	the	the	DET
aijes-6455	44	10	central	central	ADJ
aijes-6455	44	11	link	link	NOUN
aijes-6455	44	12	in	in	ADP
aijes-6455	44	13	the	the	DET
aijes-6455	44	14	financial	financial	ADJ
aijes-6455	44	15	system	system	NOUN
aijes-6455	44	16	and	and	CCONJ
aijes-6455	44	17	reflect	reflect	VERB
aijes-6455	44	18	the	the	DET
aijes-6455	44	19	processes	process	NOUN
aijes-6455	44	20	taking	take	VERB
aijes-6455	44	21	place	place	NOUN
aijes-6455	44	22	in	in	ADP
aijes-6455	44	23	the	the	DET
aijes-6455	44	24	economy	economy	NOUN
aijes-6455	44	25	as	as	ADP
aijes-6455	44	26	a	a	DET
aijes-6455	44	27	whole	whole	NOUN
aijes-6455	44	28	,	,	PUNCT
aijes-6455	44	29	including	include	VERB
aijes-6455	44	30	in	in	ADP
aijes-6455	44	31	zakir	zakir	PROPN
aijes-6455	44	32	zeynalov	zeynalov	PROPN
aijes-6455	44	33	183	183	NUM
aijes-6455	44	34	individual	individual	ADJ
aijes-6455	44	35	areas	area	NOUN
aijes-6455	44	36	,	,	PUNCT
aijes-6455	44	37	in	in	ADP
aijes-6455	44	38	providing	provide	VERB
aijes-6455	44	39	the	the	DET
aijes-6455	44	40	material	material	NOUN
aijes-6455	44	41	and	and	CCONJ
aijes-6455	44	42	technical	technical	ADJ
aijes-6455	44	43	base	base	NOUN
aijes-6455	44	44	of	of	ADP
aijes-6455	44	45	reproduction	reproduction	NOUN
aijes-6455	44	46	.	.	PUNCT
aijes-6455	45	1	the	the	DET
aijes-6455	45	2	limitation	limitation	NOUN
aijes-6455	45	3	of	of	ADP
aijes-6455	45	4	banking	banking	NOUN
aijes-6455	45	5	services	service	NOUN
aijes-6455	45	6	restricts	restrict	VERB
aijes-6455	45	7	the	the	DET
aijes-6455	45	8	participation	participation	NOUN
aijes-6455	45	9	of	of	ADP
aijes-6455	45	10	legal	legal	ADJ
aijes-6455	45	11	and	and	CCONJ
aijes-6455	45	12	natural	natural	ADJ
aijes-6455	45	13	persons	person	NOUN
aijes-6455	45	14	in	in	ADP
aijes-6455	45	15	the	the	DET
aijes-6455	45	16	reproduction	reproduction	NOUN
aijes-6455	45	17	process	process	NOUN
aijes-6455	45	18	,	,	PUNCT
aijes-6455	45	19	as	as	ADP
aijes-6455	45	20	a	a	DET
aijes-6455	45	21	result	result	NOUN
aijes-6455	45	22	of	of	ADP
aijes-6455	45	23	which	which	PRON
aijes-6455	45	24	the	the	DET
aijes-6455	45	25	chain	chain	NOUN
aijes-6455	45	26	of	of	ADP
aijes-6455	45	27	transmission	transmission	NOUN
aijes-6455	45	28	of	of	ADP
aijes-6455	45	29	the	the	DET
aijes-6455	45	30	product	product	NOUN
aijes-6455	45	31	produced	produce	VERB
aijes-6455	45	32	in	in	ADP
aijes-6455	45	33	the	the	DET
aijes-6455	45	34	real	real	ADJ
aijes-6455	45	35	sector	sector	NOUN
aijes-6455	45	36	to	to	ADP
aijes-6455	45	37	the	the	DET
aijes-6455	45	38	final	final	ADJ
aijes-6455	45	39	consumer	consumer	NOUN
aijes-6455	45	40	loses	lose	VERB
aijes-6455	45	41	its	its	PRON
aijes-6455	45	42	effectiveness	effectiveness	NOUN
aijes-6455	45	43	.	.	PUNCT
aijes-6455	46	1	research	research	NOUN
aijes-6455	46	2	methodology	methodology	NOUN
aijes-6455	46	3	creating	create	VERB
aijes-6455	46	4	a	a	DET
aijes-6455	46	5	stable	stable	ADJ
aijes-6455	46	6	system	system	NOUN
aijes-6455	46	7	in	in	ADP
aijes-6455	46	8	the	the	DET
aijes-6455	46	9	banking	banking	NOUN
aijes-6455	46	10	services	service	NOUN
aijes-6455	46	11	market	market	NOUN
aijes-6455	46	12	and	and	CCONJ
aijes-6455	46	13	strengthening	strengthen	VERB
aijes-6455	46	14	its	its	PRON
aijes-6455	46	15	integration	integration	NOUN
aijes-6455	46	16	into	into	ADP
aijes-6455	46	17	the	the	DET
aijes-6455	46	18	real	real	ADJ
aijes-6455	46	19	sector	sector	NOUN
aijes-6455	46	20	are	be	AUX
aijes-6455	46	21	considered	consider	VERB
aijes-6455	46	22	among	among	ADP
aijes-6455	46	23	the	the	DET
aijes-6455	46	24	main	main	ADJ
aijes-6455	46	25	challenges	challenge	NOUN
aijes-6455	46	26	facing	face	VERB
aijes-6455	46	27	the	the	DET
aijes-6455	46	28	economy	economy	NOUN
aijes-6455	46	29	of	of	ADP
aijes-6455	46	30	azerbaijan	azerbaijan	PROPN
aijes-6455	46	31	.	.	PUNCT
aijes-6455	47	1	one	one	NUM
aijes-6455	47	2	of	of	ADP
aijes-6455	47	3	the	the	DET
aijes-6455	47	4	critical	critical	ADJ
aijes-6455	47	5	factors	factor	NOUN
aijes-6455	47	6	for	for	ADP
aijes-6455	47	7	ensuring	ensure	VERB
aijes-6455	47	8	the	the	DET
aijes-6455	47	9	development	development	NOUN
aijes-6455	47	10	of	of	ADP
aijes-6455	47	11	the	the	DET
aijes-6455	47	12	non	non	ADJ
aijes-6455	47	13	-	-	ADJ
aijes-6455	47	14	oil	oil	ADJ
aijes-6455	47	15	sector	sector	NOUN
aijes-6455	47	16	in	in	ADP
aijes-6455	47	17	azerbaijan	azerbaijan	PROPN
aijes-6455	47	18	is	be	AUX
aijes-6455	47	19	the	the	DET
aijes-6455	47	20	availability	availability	NOUN
aijes-6455	47	21	of	of	ADP
aijes-6455	47	22	investment	investment	NOUN
aijes-6455	47	23	sources	source	NOUN
aijes-6455	47	24	.	.	PUNCT
aijes-6455	48	1	this	this	PRON
aijes-6455	48	2	,	,	PUNCT
aijes-6455	48	3	in	in	ADP
aijes-6455	48	4	turn	turn	NOUN
aijes-6455	48	5	,	,	PUNCT
aijes-6455	48	6	necessitates	necessitate	VERB
aijes-6455	48	7	efficient	efficient	ADJ
aijes-6455	48	8	operations	operation	NOUN
aijes-6455	48	9	in	in	ADP
aijes-6455	48	10	the	the	DET
aijes-6455	48	11	banking	banking	NOUN
aijes-6455	48	12	sector	sector	NOUN
aijes-6455	48	13	.	.	PUNCT
aijes-6455	49	1	a	a	DET
aijes-6455	49	2	key	key	ADJ
aijes-6455	49	3	indicator	indicator	NOUN
aijes-6455	49	4	of	of	ADP
aijes-6455	49	5	the	the	DET
aijes-6455	49	6	successful	successful	ADJ
aijes-6455	49	7	functioning	functioning	NOUN
aijes-6455	49	8	of	of	ADP
aijes-6455	49	9	the	the	DET
aijes-6455	49	10	banking	banking	NOUN
aijes-6455	49	11	sector	sector	NOUN
aijes-6455	49	12	is	be	AUX
aijes-6455	49	13	the	the	DET
aijes-6455	49	14	level	level	NOUN
aijes-6455	49	15	of	of	ADP
aijes-6455	49	16	access	access	NOUN
aijes-6455	49	17	to	to	ADP
aijes-6455	49	18	financial	financial	ADJ
aijes-6455	49	19	sources	source	NOUN
aijes-6455	49	20	among	among	ADP
aijes-6455	49	21	the	the	DET
aijes-6455	49	22	population	population	NOUN
aijes-6455	49	23	.	.	PUNCT
aijes-6455	50	1	thus	thus	ADV
aijes-6455	50	2	,	,	PUNCT
aijes-6455	50	3	increasing	increase	VERB
aijes-6455	50	4	financial	financial	ADJ
aijes-6455	50	5	inclusiveness	inclusiveness	NOUN
aijes-6455	50	6	among	among	ADP
aijes-6455	50	7	the	the	DET
aijes-6455	50	8	population	population	NOUN
aijes-6455	50	9	and	and	CCONJ
aijes-6455	50	10	lending	lend	VERB
aijes-6455	50	11	substantial	substantial	ADJ
aijes-6455	50	12	amounts	amount	NOUN
aijes-6455	50	13	of	of	ADP
aijes-6455	50	14	funds	fund	NOUN
aijes-6455	50	15	circulating	circulate	VERB
aijes-6455	50	16	in	in	ADP
aijes-6455	50	17	the	the	DET
aijes-6455	50	18	economy	economy	NOUN
aijes-6455	50	19	to	to	ADP
aijes-6455	50	20	the	the	DET
aijes-6455	50	21	real	real	ADJ
aijes-6455	50	22	sector	sector	NOUN
aijes-6455	50	23	are	be	AUX
aijes-6455	50	24	directly	directly	ADV
aijes-6455	50	25	possible	possible	ADJ
aijes-6455	50	26	as	as	ADP
aijes-6455	50	27	a	a	DET
aijes-6455	50	28	result	result	NOUN
aijes-6455	50	29	of	of	ADP
aijes-6455	50	30	the	the	DET
aijes-6455	50	31	effective	effective	ADJ
aijes-6455	50	32	functioning	functioning	NOUN
aijes-6455	50	33	of	of	ADP
aijes-6455	50	34	the	the	DET
aijes-6455	50	35	banking	banking	NOUN
aijes-6455	50	36	sector	sector	NOUN
aijes-6455	50	37	.	.	PUNCT
aijes-6455	51	1	the	the	DET
aijes-6455	51	2	rapid	rapid	ADJ
aijes-6455	51	3	adoption	adoption	NOUN
aijes-6455	51	4	of	of	ADP
aijes-6455	51	5	modern	modern	ADJ
aijes-6455	51	6	technologies	technology	NOUN
aijes-6455	51	7	in	in	ADP
aijes-6455	51	8	financial	financial	ADJ
aijes-6455	51	9	payment	payment	NOUN
aijes-6455	51	10	services	service	NOUN
aijes-6455	51	11	creates	create	VERB
aijes-6455	51	12	conditions	condition	NOUN
aijes-6455	51	13	for	for	ADP
aijes-6455	51	14	market	market	NOUN
aijes-6455	51	15	participants	participant	NOUN
aijes-6455	51	16	to	to	PART
aijes-6455	51	17	make	make	VERB
aijes-6455	51	18	their	their	PRON
aijes-6455	51	19	payments	payment	NOUN
aijes-6455	51	20	comfortably	comfortably	ADV
aijes-6455	51	21	and	and	CCONJ
aijes-6455	51	22	safely	safely	ADV
aijes-6455	51	23	,	,	PUNCT
aijes-6455	51	24	enabling	enable	VERB
aijes-6455	51	25	a	a	DET
aijes-6455	51	26	broader	broad	ADJ
aijes-6455	51	27	involvement	involvement	NOUN
aijes-6455	51	28	of	of	ADP
aijes-6455	51	29	economic	economic	ADJ
aijes-6455	51	30	cycles	cycle	NOUN
aijes-6455	51	31	in	in	ADP
aijes-6455	51	32	the	the	DET
aijes-6455	51	33	banking	banking	NOUN
aijes-6455	51	34	sector	sector	NOUN
aijes-6455	51	35	and	and	CCONJ
aijes-6455	51	36	an	an	DET
aijes-6455	51	37	increase	increase	NOUN
aijes-6455	51	38	in	in	ADP
aijes-6455	51	39	banks	bank	NOUN
aijes-6455	51	40	’	'	PUNCT
aijes-6455	51	41	credit	credit	NOUN
aijes-6455	51	42	facilities	facility	NOUN
aijes-6455	51	43	.	.	PUNCT
aijes-6455	52	1	limited	limited	ADJ
aijes-6455	52	2	access	access	NOUN
aijes-6455	52	3	to	to	ADP
aijes-6455	52	4	financial	financial	ADJ
aijes-6455	52	5	resources	resource	NOUN
aijes-6455	52	6	–	–	PUNCT
aijes-6455	52	7	on	on	ADP
aijes-6455	52	8	one	one	NUM
aijes-6455	52	9	hand	hand	NOUN
aijes-6455	52	10	,	,	PUNCT
aijes-6455	52	11	causes	cause	VERB
aijes-6455	52	12	the	the	DET
aijes-6455	52	13	banking	banking	NOUN
aijes-6455	52	14	sector	sector	NOUN
aijes-6455	52	15	to	to	PART
aijes-6455	52	16	be	be	AUX
aijes-6455	52	17	deprived	deprive	VERB
aijes-6455	52	18	of	of	ADP
aijes-6455	52	19	sufficient	sufficient	ADJ
aijes-6455	52	20	funds	fund	NOUN
aijes-6455	52	21	circulating	circulate	VERB
aijes-6455	52	22	in	in	ADP
aijes-6455	52	23	the	the	DET
aijes-6455	52	24	economy	economy	NOUN
aijes-6455	52	25	,	,	PUNCT
aijes-6455	52	26	and	and	CCONJ
aijes-6455	52	27	on	on	ADP
aijes-6455	52	28	the	the	DET
aijes-6455	52	29	other	other	ADJ
aijes-6455	52	30	hand	hand	NOUN
aijes-6455	52	31	,	,	PUNCT
aijes-6455	52	32	does	do	AUX
aijes-6455	52	33	not	not	PART
aijes-6455	52	34	allow	allow	VERB
aijes-6455	52	35	the	the	DET
aijes-6455	52	36	revitalization	revitalization	NOUN
aijes-6455	52	37	of	of	ADP
aijes-6455	52	38	the	the	DET
aijes-6455	52	39	non	non	ADJ
aijes-6455	52	40	-	-	ADJ
aijes-6455	52	41	oil	oil	ADJ
aijes-6455	52	42	sector	sector	NOUN
aijes-6455	52	43	.	.	PUNCT
aijes-6455	53	1	the	the	DET
aijes-6455	53	2	size	size	NOUN
aijes-6455	53	3	of	of	ADP
aijes-6455	53	4	the	the	DET
aijes-6455	53	5	amount	amount	NOUN
aijes-6455	53	6	of	of	ADP
aijes-6455	53	7	cash	cash	NOUN
aijes-6455	53	8	in	in	ADP
aijes-6455	53	9	circulation	circulation	NOUN
aijes-6455	53	10	limits	limit	NOUN
aijes-6455	53	11	not	not	PART
aijes-6455	53	12	only	only	ADV
aijes-6455	53	13	the	the	DET
aijes-6455	53	14	country	country	NOUN
aijes-6455	53	15	’s	’s	PART
aijes-6455	53	16	economy	economy	NOUN
aijes-6455	53	17	but	but	CCONJ
aijes-6455	53	18	also	also	ADV
aijes-6455	53	19	the	the	DET
aijes-6455	53	20	financial	financial	ADJ
aijes-6455	53	21	intermediation	intermediation	NOUN
aijes-6455	53	22	of	of	ADP
aijes-6455	53	23	the	the	DET
aijes-6455	53	24	banking	banking	NOUN
aijes-6455	53	25	sector	sector	NOUN
aijes-6455	53	26	to	to	ADP
aijes-6455	53	27	a	a	DET
aijes-6455	53	28	large	large	ADJ
aijes-6455	53	29	extent	extent	NOUN
aijes-6455	53	30	.	.	PUNCT
aijes-6455	54	1	in	in	ADP
aijes-6455	54	2	the	the	DET
aijes-6455	54	3	last	last	ADJ
aijes-6455	54	4	15	15	NUM
aijes-6455	54	5	years	year	NOUN
aijes-6455	54	6	,	,	PUNCT
aijes-6455	54	7	special	special	ADJ
aijes-6455	54	8	importance	importance	NOUN
aijes-6455	54	9	has	have	AUX
aijes-6455	54	10	been	be	AUX
aijes-6455	54	11	given	give	VERB
aijes-6455	54	12	to	to	ADP
aijes-6455	54	13	the	the	DET
aijes-6455	54	14	intensive	intensive	ADJ
aijes-6455	54	15	use	use	NOUN
aijes-6455	54	16	of	of	ADP
aijes-6455	54	17	the	the	DET
aijes-6455	54	18	possibilities	possibility	NOUN
aijes-6455	54	19	of	of	ADP
aijes-6455	54	20	the	the	DET
aijes-6455	54	21	national	national	ADJ
aijes-6455	54	22	payment	payment	NOUN
aijes-6455	54	23	system	system	NOUN
aijes-6455	54	24	(	(	PUNCT
aijes-6455	54	25	nps	nps	PROPN
aijes-6455	54	26	)	)	PUNCT
aijes-6455	54	27	among	among	ADP
aijes-6455	54	28	businesses	business	NOUN
aijes-6455	54	29	and	and	CCONJ
aijes-6455	54	30	the	the	DET
aijes-6455	54	31	population	population	NOUN
aijes-6455	54	32	.	.	PUNCT
aijes-6455	55	1	in	in	ADP
aijes-6455	55	2	2022	2022	NUM
aijes-6455	55	3	,	,	PUNCT
aijes-6455	55	4	the	the	DET
aijes-6455	55	5	total	total	ADJ
aijes-6455	55	6	volume	volume	NOUN
aijes-6455	55	7	of	of	ADP
aijes-6455	55	8	payments	payment	NOUN
aijes-6455	55	9	made	make	VERB
aijes-6455	55	10	through	through	ADP
aijes-6455	55	11	the	the	DET
aijes-6455	55	12	real	real	ADJ
aijes-6455	55	13	-	-	PUNCT
aijes-6455	55	14	time	time	NOUN
aijes-6455	55	15	interbank	interbank	NOUN
aijes-6455	55	16	settlement	settlement	NOUN
aijes-6455	55	17	system	system	NOUN
aijes-6455	55	18	(	(	PUNCT
aijes-6455	55	19	azips	azip	NOUN
aijes-6455	55	20	)	)	PUNCT
aijes-6455	55	21	and	and	CCONJ
aijes-6455	55	22	the	the	DET
aijes-6455	55	23	small	small	ADJ
aijes-6455	55	24	payments	payment	NOUN
aijes-6455	55	25	settlement	settlement	NOUN
aijes-6455	55	26	clearing	clearing	NOUN
aijes-6455	55	27	system	system	NOUN
aijes-6455	55	28	(	(	PUNCT
aijes-6455	55	29	хохкс	хохкс	NOUN
aijes-6455	55	30	)	)	PUNCT
aijes-6455	55	31	,	,	PUNCT
aijes-6455	55	32	which	which	PRON
aijes-6455	55	33	are	be	AUX
aijes-6455	55	34	the	the	DET
aijes-6455	55	35	main	main	ADJ
aijes-6455	55	36	components	component	NOUN
aijes-6455	55	37	of	of	ADP
aijes-6455	55	38	the	the	DET
aijes-6455	55	39	system	system	NOUN
aijes-6455	55	40	,	,	PUNCT
aijes-6455	55	41	reached	reach	VERB
aijes-6455	55	42	341.9	341.9	NUM
aijes-6455	55	43	billion	billion	NUM
aijes-6455	55	44	manat	manat	NOUN
aijes-6455	55	45	(	(	PUNCT
aijes-6455	55	46	2.6	2.6	NUM
aijes-6455	55	47	times	time	NOUN
aijes-6455	55	48	of	of	ADP
aijes-6455	55	49	gdp	gdp	NOUN
aijes-6455	55	50	)	)	PUNCT
aijes-6455	55	51	.	.	PUNCT
aijes-6455	56	1	the	the	DET
aijes-6455	56	2	number	number	NOUN
aijes-6455	56	3	of	of	ADP
aijes-6455	56	4	payments	payment	NOUN
aijes-6455	56	5	in	in	ADP
aijes-6455	56	6	2022	2022	NUM
aijes-6455	56	7	was	be	AUX
aijes-6455	56	8	97.2	97.2	NUM
aijes-6455	56	9	million	million	NUM
aijes-6455	56	10	,	,	PUNCT
aijes-6455	56	11	representing	represent	VERB
aijes-6455	56	12	an	an	DET
aijes-6455	56	13	increase	increase	NOUN
aijes-6455	56	14	of	of	ADP
aijes-6455	56	15	37	37	NUM
aijes-6455	56	16	%	%	NOUN
aijes-6455	56	17	in	in	ADP
aijes-6455	56	18	the	the	DET
aijes-6455	56	19	number	number	NOUN
aijes-6455	56	20	and	and	CCONJ
aijes-6455	56	21	57	57	NUM
aijes-6455	56	22	%	%	NOUN
aijes-6455	56	23	in	in	ADP
aijes-6455	56	24	the	the	DET
aijes-6455	56	25	volume	volume	NOUN
aijes-6455	56	26	of	of	ADP
aijes-6455	56	27	bank	bank	NOUN
aijes-6455	56	28	transfers	transfer	NOUN
aijes-6455	56	29	compared	compare	VERB
aijes-6455	56	30	to	to	ADP
aijes-6455	56	31	2021	2021	NUM
aijes-6455	56	32	.	.	PUNCT
aijes-6455	57	1	in	in	ADP
aijes-6455	57	2	azips	azip	NOUN
aijes-6455	57	3	,	,	PUNCT
aijes-6455	57	4	the	the	DET
aijes-6455	57	5	total	total	ADJ
aijes-6455	57	6	volume	volume	NOUN
aijes-6455	57	7	in	in	ADP
aijes-6455	57	8	2022	2022	NUM
aijes-6455	57	9	was	be	AUX
aijes-6455	57	10	300.1	300.1	NUM
aijes-6455	57	11	billion	billion	NUM
aijes-6455	57	12	manat	manat	NOUN
aijes-6455	57	13	,	,	PUNCT
aijes-6455	57	14	with	with	ADP
aijes-6455	57	15	1358.6	1358.6	NUM
aijes-6455	57	16	thousand	thousand	NUM
aijes-6455	57	17	payment	payment	NOUN
aijes-6455	57	18	documents	document	NOUN
aijes-6455	57	19	processed	process	VERB
aijes-6455	57	20	,	,	PUNCT
aijes-6455	57	21	amounting	amount	VERB
aijes-6455	57	22	to	to	ADP
aijes-6455	57	23	azn	azn	PROPN
aijes-6455	57	24	.	.	PUNCT
aijes-6455	58	1	compared	compare	VERB
aijes-6455	58	2	to	to	ADP
aijes-6455	58	3	the	the	DET
aijes-6455	58	4	previous	previous	ADJ
aijes-6455	58	5	year	year	NOUN
aijes-6455	58	6	,	,	PUNCT
aijes-6455	58	7	the	the	DET
aijes-6455	58	8	volume	volume	NOUN
aijes-6455	58	9	of	of	ADP
aijes-6455	58	10	operations	operation	NOUN
aijes-6455	58	11	increased	increase	VERB
aijes-6455	58	12	by	by	ADP
aijes-6455	58	13	63.3	63.3	NUM
aijes-6455	58	14	%	%	NOUN
aijes-6455	58	15	(	(	PUNCT
aijes-6455	58	16	116.3	116.3	NUM
aijes-6455	58	17	billion	billion	NUM
aijes-6455	58	18	manats	manat	NOUN
aijes-6455	58	19	)	)	PUNCT
aijes-6455	58	20	,	,	PUNCT
aijes-6455	58	21	and	and	CCONJ
aijes-6455	58	22	the	the	DET
aijes-6455	58	23	number	number	NOUN
aijes-6455	58	24	increased	increase	VERB
aijes-6455	58	25	by	by	ADP
aijes-6455	58	26	22	22	NUM
aijes-6455	58	27	%	%	NOUN
aijes-6455	58	28	(	(	PUNCT
aijes-6455	58	29	245.6	245.6	NUM
aijes-6455	58	30	thousand	thousand	NUM
aijes-6455	58	31	units	unit	NOUN
aijes-6455	58	32	)	)	PUNCT
aijes-6455	58	33	.	.	PUNCT
aijes-6455	59	1	the	the	DET
aijes-6455	59	2	average	average	ADJ
aijes-6455	59	3	amount	amount	NOUN
aijes-6455	59	4	of	of	ADP
aijes-6455	59	5	each	each	DET
aijes-6455	59	6	payment	payment	NOUN
aijes-6455	59	7	document	document	NOUN
aijes-6455	59	8	processed	process	VERB
aijes-6455	59	9	by	by	ADP
aijes-6455	59	10	the	the	DET
aijes-6455	59	11	system	system	NOUN
aijes-6455	59	12	was	be	AUX
aijes-6455	59	13	220.9	220.9	NUM
aijes-6455	59	14	thousand	thousand	NUM
aijes-6455	59	15	manats	manat	NOUN
aijes-6455	59	16	.	.	PUNCT
aijes-6455	60	1	in	in	ADP
aijes-6455	60	2	xohks	xohks	PROPN
aijes-6455	60	3	,	,	PUNCT
aijes-6455	60	4	an	an	DET
aijes-6455	60	5	important	important	ADJ
aijes-6455	60	6	component	component	NOUN
aijes-6455	60	7	of	of	ADP
aijes-6455	60	8	the	the	DET
aijes-6455	60	9	payment	payment	NOUN
aijes-6455	60	10	system	system	NOUN
aijes-6455	60	11	,	,	PUNCT
aijes-6455	60	12	95,896	95,896	NUM
aijes-6455	60	13	thousand	thousand	NUM
aijes-6455	60	14	payment	payment	NOUN
aijes-6455	60	15	documents	document	NOUN
aijes-6455	60	16	with	with	ADP
aijes-6455	60	17	a	a	DET
aijes-6455	60	18	total	total	ADJ
aijes-6455	60	19	volume	volume	NOUN
aijes-6455	60	20	of	of	ADP
aijes-6455	60	21	41.9	41.9	NUM
aijes-6455	60	22	billion	billion	NUM
aijes-6455	60	23	manats	manat	NOUN
aijes-6455	60	24	were	be	AUX
aijes-6455	60	25	processed	process	VERB
aijes-6455	60	26	.	.	PUNCT
aijes-6455	61	1	compared	compare	VERB
aijes-6455	61	2	to	to	ADP
aijes-6455	61	3	the	the	DET
aijes-6455	61	4	previous	previous	ADJ
aijes-6455	61	5	year	year	NOUN
aijes-6455	61	6	,	,	PUNCT
aijes-6455	61	7	the	the	DET
aijes-6455	61	8	number	number	NOUN
aijes-6455	61	9	of	of	ADP
aijes-6455	61	10	transactions	transaction	NOUN
aijes-6455	61	11	increased	increase	VERB
aijes-6455	61	12	by	by	ADP
aijes-6455	61	13	37.7	37.7	NUM
aijes-6455	61	14	%	%	NOUN
aijes-6455	61	15	(	(	PUNCT
aijes-6455	61	16	26,257.6	26,257.6	NUM
aijes-6455	61	17	thousand	thousand	NUM
aijes-6455	61	18	pieces	piece	NOUN
aijes-6455	61	19	)	)	PUNCT
aijes-6455	61	20	,	,	PUNCT
aijes-6455	61	21	and	and	CCONJ
aijes-6455	61	22	the	the	DET
aijes-6455	61	23	volume	volume	NOUN
aijes-6455	61	24	of	of	ADP
aijes-6455	61	25	transactions	transaction	NOUN
aijes-6455	61	26	was	be	AUX
aijes-6455	61	27	8.0	8.0	NUM
aijes-6455	61	28	billion	billion	NUM
aijes-6455	61	29	manats	manat	NOUN
aijes-6455	61	30	.	.	PUNCT
aijes-6455	62	1	there	there	PRON
aijes-6455	62	2	was	be	VERB
aijes-6455	62	3	an	an	DET
aijes-6455	62	4	increase	increase	NOUN
aijes-6455	62	5	,	,	PUNCT
aijes-6455	62	6	and	and	CCONJ
aijes-6455	62	7	the	the	DET
aijes-6455	62	8	average	average	ADJ
aijes-6455	62	9	amount	amount	NOUN
aijes-6455	62	10	of	of	ADP
aijes-6455	62	11	each	each	DET
aijes-6455	62	12	processed	process	VERB
aijes-6455	62	13	payment	payment	NOUN
aijes-6455	62	14	document	document	NOUN
aijes-6455	62	15	was	be	AUX
aijes-6455	62	16	437.3	437.3	NUM
aijes-6455	62	17	manats	manat	NOUN
aijes-6455	62	18	.	.	PUNCT
aijes-6455	63	1	discussion	discussion	NOUN
aijes-6455	63	2	in	in	ADP
aijes-6455	63	3	recent	recent	ADJ
aijes-6455	63	4	years	year	NOUN
aijes-6455	63	5	,	,	PUNCT
aijes-6455	63	6	one	one	NUM
aijes-6455	63	7	of	of	ADP
aijes-6455	63	8	the	the	DET
aijes-6455	63	9	modern	modern	ADJ
aijes-6455	63	10	payment	payment	NOUN
aijes-6455	63	11	trends	trend	NOUN
aijes-6455	63	12	,	,	PUNCT
aijes-6455	63	13	the	the	DET
aijes-6455	63	14	instant	instant	ADJ
aijes-6455	63	15	payment	payment	NOUN
aijes-6455	63	16	system	system	NOUN
aijes-6455	63	17	(	(	PUNCT
aijes-6455	63	18	ios	ios	PROPN
aijes-6455	63	19	)	)	PUNCT
aijes-6455	63	20	and	and	CCONJ
aijes-6455	63	21	the	the	DET
aijes-6455	63	22	blockchain	blockchain	PROPN
aijes-6455	63	23	-	-	PUNCT
aijes-6455	63	24	based	base	VERB
aijes-6455	63	25	digital	digital	ADJ
aijes-6455	63	26	identification	identification	NOUN
aijes-6455	63	27	system	system	NOUN
aijes-6455	63	28	have	have	AUX
aijes-6455	63	29	been	be	AUX
aijes-6455	63	30	created	create	VERB
aijes-6455	63	31	,	,	PUNCT
aijes-6455	63	32	the	the	DET
aijes-6455	63	33	card	card	NOUN
aijes-6455	63	34	infrastructure	infrastructure	NOUN
aijes-6455	63	35	has	have	AUX
aijes-6455	63	36	been	be	AUX
aijes-6455	63	37	improved	improve	VERB
aijes-6455	63	38	,	,	PUNCT
aijes-6455	63	39	and	and	CCONJ
aijes-6455	63	40	the	the	DET
aijes-6455	63	41	possibilities	possibility	NOUN
aijes-6455	63	42	of	of	ADP
aijes-6455	63	43	non	non	ADJ
aijes-6455	63	44	-	-	ADJ
aijes-6455	63	45	cash	cash	ADJ
aijes-6455	63	46	payments	payment	NOUN
aijes-6455	63	47	have	have	AUX
aijes-6455	63	48	been	be	AUX
aijes-6455	63	49	increased	increase	VERB
aijes-6455	63	50	.	.	PUNCT
aijes-6455	64	1	for	for	ADP
aijes-6455	64	2	the	the	DET
aijes-6455	64	3	first	first	ADJ
aijes-6455	64	4	time	time	NOUN
aijes-6455	64	5	in	in	ADP
aijes-6455	64	6	the	the	DET
aijes-6455	64	7	country	country	NOUN
aijes-6455	64	8	,	,	PUNCT
aijes-6455	64	9	“	"	PUNCT
aijes-6455	64	10	smart	smart	ADJ
aijes-6455	64	11	student	student	NOUN
aijes-6455	64	12	cards	card	NOUN
aijes-6455	64	13	”	"	PUNCT
aijes-6455	64	14	with	with	ADP
aijes-6455	64	15	payment	payment	NOUN
aijes-6455	64	16	functionality	functionality	NOUN
aijes-6455	64	17	the	the	DET
aijes-6455	64	18	impact	impact	NOUN
aijes-6455	64	19	of	of	ADP
aijes-6455	64	20	digital	digital	ADJ
aijes-6455	64	21	payments	payment	NOUN
aijes-6455	64	22	on	on	ADP
aijes-6455	64	23	the	the	DET
aijes-6455	64	24	growth	growth	NOUN
aijes-6455	64	25	of	of	ADP
aijes-6455	64	26	cashless	cashless	NOUN
aijes-6455	64	27	payments	payment	NOUN
aijes-6455	64	28	and	and	CCONJ
aijes-6455	64	29	the	the	DET
aijes-6455	64	30	factors	factor	NOUN
aijes-6455	64	31	limiting	limit	VERB
aijes-6455	64	32	access	access	NOUN
aijes-6455	64	33	to	to	ADP
aijes-6455	64	34	financial	financial	ADJ
aijes-6455	64	35	services	service	NOUN
aijes-6455	64	36	184	184	NUM
aijes-6455	64	37	have	have	AUX
aijes-6455	64	38	been	be	AUX
aijes-6455	64	39	issued	issue	VERB
aijes-6455	64	40	to	to	ADP
aijes-6455	64	41	students	student	NOUN
aijes-6455	64	42	in	in	ADP
aijes-6455	64	43	the	the	DET
aijes-6455	64	44	education	education	NOUN
aijes-6455	64	45	system	system	NOUN
aijes-6455	64	46	.	.	PUNCT
aijes-6455	65	1	the	the	DET
aijes-6455	65	2	implementation	implementation	NOUN
aijes-6455	65	3	of	of	ADP
aijes-6455	65	4	this	this	DET
aijes-6455	65	5	mechanism	mechanism	NOUN
aijes-6455	65	6	allows	allow	VERB
aijes-6455	65	7	to	to	PART
aijes-6455	65	8	expand	expand	VERB
aijes-6455	65	9	of	of	ADP
aijes-6455	65	10	infrastructure	infrastructure	NOUN
aijes-6455	65	11	capabilities	capability	NOUN
aijes-6455	65	12	and	and	CCONJ
aijes-6455	65	13	offers	offer	VERB
aijes-6455	65	14	innovative	innovative	ADJ
aijes-6455	65	15	payments	payment	NOUN
aijes-6455	65	16	to	to	ADP
aijes-6455	65	17	customers	customer	NOUN
aijes-6455	65	18	.	.	PUNCT
aijes-6455	66	1	as	as	ADP
aijes-6455	66	2	a	a	DET
aijes-6455	66	3	result	result	NOUN
aijes-6455	66	4	of	of	ADP
aijes-6455	66	5	the	the	DET
aijes-6455	66	6	convenience	convenience	NOUN
aijes-6455	66	7	and	and	CCONJ
aijes-6455	66	8	safety	safety	NOUN
aijes-6455	66	9	of	of	ADP
aijes-6455	66	10	non	non	ADJ
aijes-6455	66	11	-	-	ADJ
aijes-6455	66	12	cash	cash	ADJ
aijes-6455	66	13	payments	payment	NOUN
aijes-6455	66	14	,	,	PUNCT
aijes-6455	66	15	the	the	DET
aijes-6455	66	16	radical	radical	ADJ
aijes-6455	66	17	change	change	NOUN
aijes-6455	66	18	in	in	ADP
aijes-6455	66	19	the	the	DET
aijes-6455	66	20	financial	financial	ADJ
aijes-6455	66	21	behavior	behavior	NOUN
aijes-6455	66	22	of	of	ADP
aijes-6455	66	23	the	the	DET
aijes-6455	66	24	population	population	NOUN
aijes-6455	66	25	,	,	PUNCT
aijes-6455	66	26	the	the	DET
aijes-6455	66	27	emergence	emergence	NOUN
aijes-6455	66	28	and	and	CCONJ
aijes-6455	66	29	application	application	NOUN
aijes-6455	66	30	of	of	ADP
aijes-6455	66	31	modern	modern	ADJ
aijes-6455	66	32	innovative	innovative	ADJ
aijes-6455	66	33	payment	payment	NOUN
aijes-6455	66	34	channels	channel	NOUN
aijes-6455	66	35	,	,	PUNCT
aijes-6455	66	36	realizes	realize	VERB
aijes-6455	66	37	the	the	DET
aijes-6455	66	38	possibility	possibility	NOUN
aijes-6455	66	39	of	of	ADP
aijes-6455	66	40	rapid	rapid	ADJ
aijes-6455	66	41	growth	growth	NOUN
aijes-6455	66	42	in	in	ADP
aijes-6455	66	43	the	the	DET
aijes-6455	66	44	dynamics	dynamic	NOUN
aijes-6455	66	45	of	of	ADP
aijes-6455	66	46	digital	digital	ADJ
aijes-6455	66	47	payments	payment	NOUN
aijes-6455	66	48	.	.	PUNCT
aijes-6455	67	1	337.3	337.3	NUM
aijes-6455	67	2	thousand	thousand	NUM
aijes-6455	67	3	payment	payment	NOUN
aijes-6455	67	4	documents	document	NOUN
aijes-6455	67	5	with	with	ADP
aijes-6455	67	6	a	a	DET
aijes-6455	67	7	total	total	ADJ
aijes-6455	67	8	volume	volume	NOUN
aijes-6455	67	9	of	of	ADP
aijes-6455	67	10	549.6	549.6	NUM
aijes-6455	67	11	million	million	NUM
aijes-6455	67	12	manats	manat	NOUN
aijes-6455	67	13	were	be	AUX
aijes-6455	67	14	processed	process	VERB
aijes-6455	67	15	in	in	ADP
aijes-6455	67	16	the	the	DET
aijes-6455	67	17	instant	instant	ADJ
aijes-6455	67	18	payment	payment	NOUN
aijes-6455	67	19	system	system	NOUN
aijes-6455	67	20	(	(	PUNCT
aijes-6455	67	21	isp	isp	ADV
aijes-6455	67	22	)	)	PUNCT
aijes-6455	67	23	launched	launch	VERB
aijes-6455	67	24	on	on	ADP
aijes-6455	67	25	01.01.2023	01.01.2023	NUM
aijes-6455	67	26	.	.	PUNCT
aijes-6455	67	27	compared	compare	VERB
aijes-6455	67	28	to	to	ADP
aijes-6455	67	29	2021	2021	NUM
aijes-6455	67	30	,	,	PUNCT
aijes-6455	67	31	the	the	DET
aijes-6455	67	32	number	number	NOUN
aijes-6455	67	33	of	of	ADP
aijes-6455	67	34	operations	operation	NOUN
aijes-6455	67	35	has	have	AUX
aijes-6455	67	36	increased	increase	VERB
aijes-6455	67	37	by	by	ADP
aijes-6455	67	38	2.9	2.9	NUM
aijes-6455	67	39	times	time	NOUN
aijes-6455	67	40	(	(	PUNCT
aijes-6455	67	41	220.3	220.3	NUM
aijes-6455	67	42	thousand	thousand	NUM
aijes-6455	67	43	units	unit	NOUN
aijes-6455	67	44	)	)	PUNCT
aijes-6455	67	45	.	.	PUNCT
aijes-6455	68	1	in	in	ADP
aijes-6455	68	2	the	the	DET
aijes-6455	68	3	total	total	ADJ
aijes-6455	68	4	volume	volume	NOUN
aijes-6455	68	5	of	of	ADP
aijes-6455	68	6	payment	payment	NOUN
aijes-6455	68	7	documents	document	NOUN
aijes-6455	68	8	processed	process	VERB
aijes-6455	68	9	in	in	ADP
aijes-6455	68	10	the	the	DET
aijes-6455	68	11	payment	payment	NOUN
aijes-6455	68	12	system	system	NOUN
aijes-6455	68	13	for	for	ADP
aijes-6455	68	14	2022	2022	NUM
aijes-6455	68	15	,	,	PUNCT
aijes-6455	68	16	azips	azip	NOUN
aijes-6455	68	17	had	have	VERB
aijes-6455	68	18	a	a	DET
aijes-6455	68	19	special	special	ADJ
aijes-6455	68	20	weight	weight	NOUN
aijes-6455	68	21	of	of	ADP
aijes-6455	68	22	87.6	87.6	NUM
aijes-6455	68	23	%	%	NOUN
aijes-6455	68	24	,	,	PUNCT
aijes-6455	68	25	xöhks	xöhks	PROPN
aijes-6455	68	26	12.2	12.2	NUM
aijes-6455	68	27	%	%	NOUN
aijes-6455	68	28	,	,	PUNCT
aijes-6455	68	29	and	and	CCONJ
aijes-6455	68	30	aös	aös	VERB
aijes-6455	68	31	0.2	0.2	NUM
aijes-6455	68	32	%	%	NOUN
aijes-6455	68	33	figure	figure	NOUN
aijes-6455	68	34	1	1	NUM
aijes-6455	68	35	.	.	PUNCT
aijes-6455	69	1	components	component	NOUN
aijes-6455	69	2	of	of	ADP
aijes-6455	69	3	the	the	DET
aijes-6455	69	4	national	national	ADJ
aijes-6455	69	5	payment	payment	NOUN
aijes-6455	69	6	system	system	NOUN
aijes-6455	69	7	in	in	ADP
aijes-6455	69	8	%	%	NOUN
aijes-6455	69	9	source	source	NOUN
aijes-6455	69	10	:	:	PUNCT
aijes-6455	69	11	prepared	prepare	VERB
aijes-6455	69	12	by	by	ADP
aijes-6455	69	13	the	the	DET
aijes-6455	69	14	author	author	NOUN
aijes-6455	69	15	based	base	VERB
aijes-6455	69	16	on	on	ADP
aijes-6455	69	17	central	central	ADJ
aijes-6455	69	18	bank	bank	PROPN
aijes-6455	69	19	statistics	statistic	NOUN
aijes-6455	69	20	as	as	ADP
aijes-6455	69	21	a	a	DET
aijes-6455	69	22	result	result	NOUN
aijes-6455	69	23	of	of	ADP
aijes-6455	69	24	the	the	DET
aijes-6455	69	25	work	work	NOUN
aijes-6455	69	26	done	do	VERB
aijes-6455	69	27	in	in	ADP
aijes-6455	69	28	the	the	DET
aijes-6455	69	29	direction	direction	NOUN
aijes-6455	69	30	of	of	ADP
aijes-6455	69	31	the	the	DET
aijes-6455	69	32	development	development	NOUN
aijes-6455	69	33	of	of	ADP
aijes-6455	69	34	cashless	cashless	NOUN
aijes-6455	69	35	payments	payment	NOUN
aijes-6455	69	36	,	,	PUNCT
aijes-6455	69	37	the	the	DET
aijes-6455	69	38	pace	pace	NOUN
aijes-6455	69	39	of	of	ADP
aijes-6455	69	40	development	development	NOUN
aijes-6455	69	41	during	during	ADP
aijes-6455	69	42	2022	2022	NUM
aijes-6455	69	43	was	be	AUX
aijes-6455	69	44	higher	high	ADJ
aijes-6455	69	45	than	than	ADP
aijes-6455	69	46	in	in	ADP
aijes-6455	69	47	previous	previous	ADJ
aijes-6455	69	48	years	year	NOUN
aijes-6455	69	49	.	.	PUNCT
aijes-6455	70	1	as	as	ADP
aijes-6455	70	2	of	of	ADP
aijes-6455	70	3	01.01.2023	01.01.2023	NUM
aijes-6455	70	4	,	,	PUNCT
aijes-6455	70	5	the	the	DET
aijes-6455	70	6	number	number	NOUN
aijes-6455	70	7	of	of	ADP
aijes-6455	70	8	payment	payment	NOUN
aijes-6455	70	9	cards	card	NOUN
aijes-6455	70	10	in	in	ADP
aijes-6455	70	11	circulation	circulation	NOUN
aijes-6455	70	12	is	be	AUX
aijes-6455	70	13	13.6	13.6	NUM
aijes-6455	70	14	million	million	NUM
aijes-6455	70	15	.	.	PUNCT
aijes-6455	71	1	units	unit	NOUN
aijes-6455	71	2	,	,	PUNCT
aijes-6455	71	3	the	the	DET
aijes-6455	71	4	number	number	NOUN
aijes-6455	71	5	of	of	ADP
aijes-6455	71	6	atms	atms	PROPN
aijes-6455	71	7	was	be	AUX
aijes-6455	71	8	3	3	NUM
aijes-6455	71	9	thousand	thousand	NUM
aijes-6455	71	10	,	,	PUNCT
aijes-6455	71	11	and	and	CCONJ
aijes-6455	71	12	the	the	DET
aijes-6455	71	13	number	number	NOUN
aijes-6455	71	14	of	of	ADP
aijes-6455	71	15	pos	pos	NOUN
aijes-6455	71	16	-	-	PUNCT
aijes-6455	71	17	terminals	terminal	NOUN
aijes-6455	71	18	was	be	AUX
aijes-6455	71	19	79.8	79.8	NUM
aijes-6455	71	20	thousand	thousand	NUM
aijes-6455	71	21	.	.	PUNCT
aijes-6455	72	1	during	during	ADP
aijes-6455	72	2	the	the	DET
aijes-6455	72	3	reporting	reporting	NOUN
aijes-6455	72	4	period	period	NOUN
aijes-6455	72	5	,	,	PUNCT
aijes-6455	72	6	the	the	DET
aijes-6455	72	7	volume	volume	NOUN
aijes-6455	72	8	of	of	ADP
aijes-6455	72	9	non	non	ADJ
aijes-6455	72	10	-	-	ADJ
aijes-6455	72	11	cash	cash	ADJ
aijes-6455	72	12	transactions	transaction	NOUN
aijes-6455	72	13	with	with	ADP
aijes-6455	72	14	payment	payment	NOUN
aijes-6455	72	15	cards	card	NOUN
aijes-6455	72	16	within	within	ADP
aijes-6455	72	17	the	the	DET
aijes-6455	72	18	country	country	NOUN
aijes-6455	72	19	increased	increase	VERB
aijes-6455	72	20	by	by	ADP
aijes-6455	72	21	2.1	2.1	NUM
aijes-6455	72	22	times	time	NOUN
aijes-6455	72	23	to	to	ADP
aijes-6455	72	24	24.4	24.4	NUM
aijes-6455	72	25	billion	billion	NUM
aijes-6455	72	26	.	.	PUNCT
aijes-6455	73	1	formed	form	VERB
aijes-6455	73	2	manat	manat	PROPN
aijes-6455	73	3	.	.	PUNCT
aijes-6455	74	1	the	the	DET
aijes-6455	74	2	number	number	NOUN
aijes-6455	74	3	of	of	ADP
aijes-6455	74	4	e	e	NOUN
aijes-6455	74	5	-	-	NOUN
aijes-6455	74	6	commerce	commerce	NOUN
aijes-6455	74	7	transactions	transaction	NOUN
aijes-6455	74	8	in	in	ADP
aijes-6455	74	9	the	the	DET
aijes-6455	74	10	country	country	NOUN
aijes-6455	74	11	has	have	AUX
aijes-6455	74	12	increased	increase	VERB
aijes-6455	74	13	by	by	ADP
aijes-6455	74	14	2.4	2.4	NUM
aijes-6455	74	15	times	time	NOUN
aijes-6455	74	16	and	and	CCONJ
aijes-6455	74	17	its	its	PRON
aijes-6455	74	18	volume	volume	NOUN
aijes-6455	74	19	by	by	ADP
aijes-6455	74	20	2.5	2.5	NUM
aijes-6455	74	21	times	time	NOUN
aijes-6455	74	22	compared	compare	VERB
aijes-6455	74	23	to	to	ADP
aijes-6455	74	24	2021	2021	NUM
aijes-6455	74	25	.	.	PUNCT
aijes-6455	75	1	the	the	DET
aijes-6455	75	2	specific	specific	ADJ
aijes-6455	75	3	weight	weight	NOUN
aijes-6455	75	4	of	of	ADP
aijes-6455	75	5	non	non	ADJ
aijes-6455	75	6	-	-	ADJ
aijes-6455	75	7	cash	cash	ADJ
aijes-6455	75	8	payments	payment	NOUN
aijes-6455	75	9	made	make	VERB
aijes-6455	75	10	with	with	ADP
aijes-6455	75	11	payment	payment	NOUN
aijes-6455	75	12	cards	card	NOUN
aijes-6455	75	13	in	in	ADP
aijes-6455	75	14	the	the	DET
aijes-6455	75	15	country	country	NOUN
aijes-6455	75	16	increased	increase	VERB
aijes-6455	75	17	by	by	ADP
aijes-6455	75	18	11.4	11.4	NUM
aijes-6455	75	19	percentage	percentage	NOUN
aijes-6455	75	20	points	point	NOUN
aijes-6455	75	21	compared	compare	VERB
aijes-6455	75	22	to	to	ADP
aijes-6455	75	23	last	last	ADJ
aijes-6455	75	24	year	year	NOUN
aijes-6455	75	25	and	and	CCONJ
aijes-6455	75	26	was	be	AUX
aijes-6455	75	27	equal	equal	ADJ
aijes-6455	75	28	to	to	ADP
aijes-6455	75	29	43.2	43.2	NUM
aijes-6455	75	30	%	%	NOUN
aijes-6455	75	31	.	.	PUNCT
aijes-6455	76	1	during	during	ADP
aijes-6455	76	2	the	the	DET
aijes-6455	76	3	reporting	reporting	NOUN
aijes-6455	76	4	period	period	NOUN
aijes-6455	76	5	,	,	PUNCT
aijes-6455	76	6	the	the	DET
aijes-6455	76	7	volume	volume	NOUN
aijes-6455	76	8	of	of	ADP
aijes-6455	76	9	transactions	transaction	NOUN
aijes-6455	76	10	carried	carry	VERB
aijes-6455	76	11	out	out	ADP
aijes-6455	76	12	through	through	ADP
aijes-6455	76	13	internet	internet	NOUN
aijes-6455	76	14	banking	banking	NOUN
aijes-6455	76	15	services	service	NOUN
aijes-6455	76	16	increased	increase	VERB
aijes-6455	76	17	by	by	ADP
aijes-6455	76	18	50	50	NUM
aijes-6455	76	19	%	%	NOUN
aijes-6455	76	20	compared	compare	VERB
aijes-6455	76	21	to	to	ADP
aijes-6455	76	22	2021	2021	NUM
aijes-6455	76	23	,	,	PUNCT
aijes-6455	76	24	and	and	CCONJ
aijes-6455	76	25	the	the	DET
aijes-6455	76	26	volume	volume	NOUN
aijes-6455	76	27	of	of	ADP
aijes-6455	76	28	mobile	mobile	ADJ
aijes-6455	76	29	banking	banking	NOUN
aijes-6455	76	30	transactions	transaction	NOUN
aijes-6455	76	31	increased	increase	VERB
aijes-6455	76	32	by	by	ADP
aijes-6455	76	33	3	3	NUM
aijes-6455	76	34	times	time	NOUN
aijes-6455	76	35	.	.	PUNCT
aijes-6455	77	1	(	(	PUNCT
aijes-6455	77	2	cbar	cbar	ADJ
aijes-6455	77	3	,	,	PUNCT
aijes-6455	77	4	2022	2022	NUM
aijes-6455	77	5	)	)	PUNCT
aijes-6455	77	6	one	one	NUM
aijes-6455	77	7	of	of	ADP
aijes-6455	77	8	the	the	DET
aijes-6455	77	9	main	main	ADJ
aijes-6455	77	10	problems	problem	NOUN
aijes-6455	77	11	of	of	ADP
aijes-6455	77	12	the	the	DET
aijes-6455	77	13	banking	banking	NOUN
aijes-6455	77	14	sector	sector	NOUN
aijes-6455	77	15	is	be	AUX
aijes-6455	77	16	the	the	DET
aijes-6455	77	17	lack	lack	NOUN
aijes-6455	77	18	of	of	ADP
aijes-6455	77	19	alternative	alternative	ADJ
aijes-6455	77	20	financial	financial	ADJ
aijes-6455	77	21	institutions	institution	NOUN
aijes-6455	77	22	in	in	ADP
aijes-6455	77	23	order	order	NOUN
aijes-6455	77	24	to	to	PART
aijes-6455	77	25	eliminate	eliminate	VERB
aijes-6455	77	26	the	the	DET
aijes-6455	77	27	limitation	limitation	NOUN
aijes-6455	77	28	of	of	ADP
aijes-6455	77	29	financial	financial	ADJ
aijes-6455	77	30	inclusion	inclusion	NOUN
aijes-6455	77	31	among	among	ADP
aijes-6455	77	32	the	the	DET
aijes-6455	77	33	population	population	NOUN
aijes-6455	77	34	.	.	PUNCT
aijes-6455	78	1	in	in	ADP
aijes-6455	78	2	the	the	DET
aijes-6455	78	3	world	world	NOUN
aijes-6455	78	4	experience	experience	NOUN
aijes-6455	78	5	,	,	PUNCT
aijes-6455	78	6	the	the	DET
aijes-6455	78	7	creation	creation	NOUN
aijes-6455	78	8	of	of	ADP
aijes-6455	78	9	alternative	alternative	ADJ
aijes-6455	78	10	financial	financial	ADJ
aijes-6455	78	11	institutions	institution	NOUN
aijes-6455	78	12	to	to	ADP
aijes-6455	78	13	traditional	traditional	ADJ
aijes-6455	78	14	banks	bank	NOUN
aijes-6455	78	15	is	be	AUX
aijes-6455	78	16	encouraged	encourage	VERB
aijes-6455	78	17	to	to	PART
aijes-6455	78	18	involve	involve	VERB
aijes-6455	78	19	the	the	DET
aijes-6455	78	20	population	population	NOUN
aijes-6455	78	21	in	in	ADP
aijes-6455	78	22	the	the	DET
aijes-6455	78	23	financial	financial	ADJ
aijes-6455	78	24	-	-	PUNCT
aijes-6455	78	25	banking	banking	NOUN
aijes-6455	78	26	system	system	NOUN
aijes-6455	78	27	and	and	CCONJ
aijes-6455	78	28	,	,	PUNCT
aijes-6455	78	29	in	in	ADP
aijes-6455	78	30	parallel	parallel	NOUN
aijes-6455	78	31	,	,	PUNCT
aijes-6455	78	32	to	to	PART
aijes-6455	78	33	diversify	diversify	VERB
aijes-6455	78	34	the	the	DET
aijes-6455	78	35	banking	banking	NOUN
aijes-6455	78	36	sector	sector	NOUN
aijes-6455	78	37	and	and	CCONJ
aijes-6455	78	38	the	the	DET
aijes-6455	78	39	economy	economy	NOUN
aijes-6455	78	40	.	.	PUNCT
aijes-6455	79	1	although	although	SCONJ
aijes-6455	79	2	such	such	ADJ
aijes-6455	79	3	organizations	organization	NOUN
aijes-6455	79	4	differ	differ	VERB
aijes-6455	79	5	according	accord	VERB
aijes-6455	79	6	to	to	ADP
aijes-6455	79	7	the	the	DET
aijes-6455	79	8	characteristics	characteristic	NOUN
aijes-6455	79	9	of	of	ADP
aijes-6455	79	10	the	the	DET
aijes-6455	79	11	countries	country	NOUN
aijes-6455	79	12	,	,	PUNCT
aijes-6455	79	13	they	they	PRON
aijes-6455	79	14	are	be	AUX
aijes-6455	79	15	essentially	essentially	ADV
aijes-6455	79	16	the	the	DET
aijes-6455	79	17	same	same	ADJ
aijes-6455	79	18	and	and	CCONJ
aijes-6455	79	19	aim	aim	VERB
aijes-6455	79	20	to	to	PART
aijes-6455	79	21	include	include	VERB
aijes-6455	79	22	large	large	ADJ
aijes-6455	79	23	amounts	amount	NOUN
aijes-6455	79	24	of	of	ADP
aijes-6455	79	25	money	money	NOUN
aijes-6455	79	26	flows	flow	VERB
aijes-6455	79	27	outside	outside	ADP
aijes-6455	79	28	the	the	DET
aijes-6455	79	29	banking	banking	NOUN
aijes-6455	79	30	sector	sector	NOUN
aijes-6455	79	31	into	into	ADP
aijes-6455	79	32	the	the	DET
aijes-6455	79	33	general	general	ADJ
aijes-6455	79	34	financial	financial	ADJ
aijes-6455	79	35	system	system	NOUN
aijes-6455	79	36	of	of	ADP
aijes-6455	79	37	the	the	DET
aijes-6455	79	38	country	country	NOUN
aijes-6455	79	39	and	and	CCONJ
aijes-6455	79	40	provide	provide	VERB
aijes-6455	79	41	cheaper	cheap	ADJ
aijes-6455	79	42	loans	loan	NOUN
aijes-6455	79	43	to	to	ADP
aijes-6455	79	44	the	the	DET
aijes-6455	79	45	real	real	ADJ
aijes-6455	79	46	sector	sector	NOUN
aijes-6455	79	47	by	by	ADP
aijes-6455	79	48	providing	provide	VERB
aijes-6455	79	49	access	access	NOUN
aijes-6455	79	50	to	to	ADP
aijes-6455	79	51	financial	financial	ADJ
aijes-6455	79	52	services	service	NOUN
aijes-6455	79	53	for	for	ADP
aijes-6455	79	54	the	the	DET
aijes-6455	79	55	population	population	NOUN
aijes-6455	79	56	(	(	PUNCT
aijes-6455	79	57	zeynalov	zeynalov	NOUN
aijes-6455	79	58	,	,	PUNCT
aijes-6455	79	59	2021	2021	NUM
aijes-6455	79	60	)	)	PUNCT
aijes-6455	79	61	.	.	PUNCT
aijes-6455	80	1	the	the	DET
aijes-6455	80	2	intensity	intensity	NOUN
aijes-6455	80	3	of	of	ADP
aijes-6455	80	4	access	access	NOUN
aijes-6455	80	5	to	to	ADP
aijes-6455	80	6	financial	financial	ADJ
aijes-6455	80	7	services	service	NOUN
aijes-6455	80	8	has	have	VERB
aijes-6455	80	9	a	a	DET
aijes-6455	80	10	positive	positive	ADJ
aijes-6455	80	11	effect	effect	NOUN
aijes-6455	80	12	on	on	ADP
aijes-6455	80	13	the	the	DET
aijes-6455	80	14	demand	demand	NOUN
aijes-6455	80	15	for	for	ADP
aijes-6455	80	16	banking	banking	NOUN
aijes-6455	80	17	services	service	NOUN
aijes-6455	80	18	and	and	CCONJ
aijes-6455	80	19	economic	economic	ADJ
aijes-6455	80	20	activity	activity	NOUN
aijes-6455	80	21	along	along	ADP
aijes-6455	80	22	with	with	ADP
aijes-6455	80	23	the	the	DET
aijes-6455	80	24	improvement	improvement	NOUN
aijes-6455	80	25	of	of	ADP
aijes-6455	80	26	the	the	DET
aijes-6455	80	27	population	population	NOUN
aijes-6455	80	28	’s	’s	PART
aijes-6455	80	29	well	well	ADV
aijes-6455	80	30	-	-	PUNCT
aijes-6455	80	31	being	being	NOUN
aijes-6455	80	32	.	.	PUNCT
aijes-6455	81	1	zakir	zakir	NOUN
aijes-6455	81	2	zeynalov	zeynalov	NOUN
aijes-6455	81	3	185	185	NUM
aijes-6455	81	4	figure	figure	NOUN
aijes-6455	81	5	2	2	NUM
aijes-6455	81	6	.	.	PUNCT
aijes-6455	81	7	cash	cash	NOUN
aijes-6455	81	8	flow	flow	NOUN
aijes-6455	81	9	(	(	PUNCT
aijes-6455	81	10	m0	m0	NOUN
aijes-6455	81	11	/	/	SYM
aijes-6455	81	12	m2	m2	PROPN
aijes-6455	81	13	)	)	PUNCT
aijes-6455	81	14	source	source	NOUN
aijes-6455	81	15	:	:	PUNCT
aijes-6455	81	16	central	central	ADJ
aijes-6455	81	17	bank	bank	PROPN
aijes-6455	81	18	monetary	monetary	ADJ
aijes-6455	81	19	policy	policy	NOUN
aijes-6455	81	20	review	review	NOUN
aijes-6455	81	21	2023	2023	NUM
aijes-6455	81	22	january	january	PROPN
aijes-6455	81	23	–	–	PUNCT
aijes-6455	81	24	june	june	PROPN
aijes-6455	81	25	the	the	DET
aijes-6455	81	26	specific	specific	ADJ
aijes-6455	81	27	weight	weight	NOUN
aijes-6455	81	28	of	of	ADP
aijes-6455	81	29	cash	cash	NOUN
aijes-6455	81	30	money	money	NOUN
aijes-6455	81	31	(	(	PUNCT
aijes-6455	81	32	m0	m0	NOUN
aijes-6455	81	33	)	)	PUNCT
aijes-6455	81	34	in	in	ADP
aijes-6455	81	35	manat	manat	PROPN
aijes-6455	81	36	broad	broad	ADJ
aijes-6455	81	37	money	money	NOUN
aijes-6455	81	38	(	(	PUNCT
aijes-6455	81	39	m2	m2	PROPN
aijes-6455	81	40	)	)	PUNCT
aijes-6455	81	41	was	be	AUX
aijes-6455	81	42	46.3	46.3	NUM
aijes-6455	81	43	%	%	NOUN
aijes-6455	81	44	by	by	ADP
aijes-6455	81	45	the	the	DET
aijes-6455	81	46	end	end	NOUN
aijes-6455	81	47	of	of	ADP
aijes-6455	81	48	the	the	DET
aijes-6455	81	49	period	period	NOUN
aijes-6455	81	50	(	(	PUNCT
aijes-6455	81	51	cbar	cbar	ADJ
aijes-6455	81	52	,	,	PUNCT
aijes-6455	81	53	2023	2023	NUM
aijes-6455	81	54	)	)	PUNCT
aijes-6455	81	55	.	.	PUNCT
aijes-6455	82	1	due	due	ADP
aijes-6455	82	2	to	to	ADP
aijes-6455	82	3	the	the	DET
aijes-6455	82	4	convenience	convenience	NOUN
aijes-6455	82	5	and	and	CCONJ
aijes-6455	82	6	speed	speed	NOUN
aijes-6455	82	7	of	of	ADP
aijes-6455	82	8	non	non	ADJ
aijes-6455	82	9	-	-	ADJ
aijes-6455	82	10	cash	cash	ADJ
aijes-6455	82	11	payments	payment	NOUN
aijes-6455	82	12	,	,	PUNCT
aijes-6455	82	13	radical	radical	ADJ
aijes-6455	82	14	changes	change	NOUN
aijes-6455	82	15	have	have	AUX
aijes-6455	82	16	taken	take	VERB
aijes-6455	82	17	place	place	NOUN
aijes-6455	82	18	in	in	ADP
aijes-6455	82	19	the	the	DET
aijes-6455	82	20	socio	socio	NOUN
aijes-6455	82	21	-	-	PUNCT
aijes-6455	82	22	economic	economic	ADJ
aijes-6455	82	23	landscape	landscape	NOUN
aijes-6455	82	24	of	of	ADP
aijes-6455	82	25	cash	cash	NOUN
aijes-6455	82	26	in	in	ADP
aijes-6455	82	27	several	several	ADJ
aijes-6455	82	28	countries	country	NOUN
aijes-6455	82	29	.	.	PUNCT
aijes-6455	83	1	with	with	ADP
aijes-6455	83	2	the	the	DET
aijes-6455	83	3	advent	advent	NOUN
aijes-6455	83	4	of	of	ADP
aijes-6455	83	5	mobile	mobile	ADJ
aijes-6455	83	6	phones	phone	NOUN
aijes-6455	83	7	and	and	CCONJ
aijes-6455	83	8	innovative	innovative	ADJ
aijes-6455	83	9	payment	payment	NOUN
aijes-6455	83	10	channels	channel	NOUN
aijes-6455	83	11	,	,	PUNCT
aijes-6455	83	12	the	the	DET
aijes-6455	83	13	dynamics	dynamic	NOUN
aijes-6455	83	14	of	of	ADP
aijes-6455	83	15	digital	digital	ADJ
aijes-6455	83	16	payments	payment	NOUN
aijes-6455	83	17	are	be	AUX
aijes-6455	83	18	rapidly	rapidly	ADV
aijes-6455	83	19	increasing	increase	VERB
aijes-6455	83	20	.	.	PUNCT
aijes-6455	84	1	according	accord	VERB
aijes-6455	84	2	to	to	ADP
aijes-6455	84	3	the	the	DET
aijes-6455	84	4	2020	2020	NUM
aijes-6455	84	5	edition	edition	NOUN
aijes-6455	84	6	of	of	ADP
aijes-6455	84	7	the	the	DET
aijes-6455	84	8	world	world	NOUN
aijes-6455	84	9	payments	payment	NOUN
aijes-6455	84	10	report	report	NOUN
aijes-6455	84	11	(	(	PUNCT
aijes-6455	84	12	world	world	NOUN
aijes-6455	84	13	payments	payment	NOUN
aijes-6455	84	14	report	report	VERB
aijes-6455	84	15	2020	2020	NUM
aijes-6455	84	16	)	)	PUNCT
aijes-6455	84	17	,	,	PUNCT
aijes-6455	84	18	"	"	PUNCT
aijes-6455	84	19	over	over	ADP
aijes-6455	84	20	the	the	DET
aijes-6455	84	21	last	last	ADJ
aijes-6455	84	22	year	year	NOUN
aijes-6455	84	23	,	,	PUNCT
aijes-6455	84	24	the	the	DET
aijes-6455	84	25	volume	volume	NOUN
aijes-6455	84	26	of	of	ADP
aijes-6455	84	27	non	non	ADJ
aijes-6455	84	28	-	-	ADJ
aijes-6455	84	29	cash	cash	ADJ
aijes-6455	84	30	payments	payment	NOUN
aijes-6455	84	31	made	make	VERB
aijes-6455	84	32	via	via	ADP
aijes-6455	84	33	the	the	DET
aijes-6455	84	34	internet	internet	NOUN
aijes-6455	84	35	increased	increase	VERB
aijes-6455	84	36	by	by	ADP
aijes-6455	84	37	14.1	14.1	NUM
aijes-6455	84	38	%	%	NOUN
aijes-6455	84	39	,	,	PUNCT
aijes-6455	84	40	and	and	CCONJ
aijes-6455	84	41	the	the	DET
aijes-6455	84	42	volume	volume	NOUN
aijes-6455	84	43	of	of	ADP
aijes-6455	84	44	payments	payment	NOUN
aijes-6455	84	45	made	make	VERB
aijes-6455	84	46	by	by	ADP
aijes-6455	84	47	mobile	mobile	ADJ
aijes-6455	84	48	phone	phone	NOUN
aijes-6455	84	49	increased	increase	VERB
aijes-6455	84	50	by	by	ADP
aijes-6455	84	51	8.1	8.1	NUM
aijes-6455	84	52	%	%	NOUN
aijes-6455	84	53	.	.	PUNCT
aijes-6455	85	1	at	at	ADP
aijes-6455	85	2	the	the	DET
aijes-6455	85	3	same	same	ADJ
aijes-6455	85	4	time	time	NOUN
aijes-6455	85	5	,	,	PUNCT
aijes-6455	85	6	in	in	ADP
aijes-6455	85	7	2020	2020	NUM
aijes-6455	85	8	,	,	PUNCT
aijes-6455	85	9	although	although	SCONJ
aijes-6455	85	10	the	the	DET
aijes-6455	85	11	size	size	NOUN
aijes-6455	85	12	of	of	ADP
aijes-6455	85	13	the	the	DET
aijes-6455	85	14	world	world	NOUN
aijes-6455	85	15	economy	economy	NOUN
aijes-6455	85	16	shrank	shrink	VERB
aijes-6455	85	17	due	due	ADP
aijes-6455	85	18	to	to	ADP
aijes-6455	85	19	the	the	DET
aijes-6455	85	20	covid-19	covid-19	PROPN
aijes-6455	85	21	pandemic	pandemic	NOUN
aijes-6455	85	22	,	,	PUNCT
aijes-6455	85	23	the	the	DET
aijes-6455	85	24	volume	volume	NOUN
aijes-6455	85	25	of	of	ADP
aijes-6455	85	26	cashless	cashless	NOUN
aijes-6455	85	27	payments	payment	NOUN
aijes-6455	85	28	made	make	VERB
aijes-6455	85	29	through	through	ADP
aijes-6455	85	30	electronic	electronic	ADJ
aijes-6455	85	31	commerce	commerce	NOUN
aijes-6455	85	32	increased	increase	VERB
aijes-6455	85	33	significantly	significantly	ADV
aijes-6455	85	34	.	.	PUNCT
aijes-6455	86	1	thus	thus	ADV
aijes-6455	86	2	,	,	PUNCT
aijes-6455	86	3	a	a	DET
aijes-6455	86	4	62.4	62.4	NUM
aijes-6455	86	5	%	%	NOUN
aijes-6455	86	6	increase	increase	NOUN
aijes-6455	86	7	in	in	ADP
aijes-6455	86	8	the	the	DET
aijes-6455	86	9	volume	volume	NOUN
aijes-6455	86	10	of	of	ADP
aijes-6455	86	11	credit	credit	NOUN
aijes-6455	86	12	card	card	NOUN
aijes-6455	86	13	transactions	transaction	NOUN
aijes-6455	86	14	and	and	CCONJ
aijes-6455	86	15	a	a	DET
aijes-6455	86	16	52.7	52.7	NUM
aijes-6455	86	17	%	%	NOUN
aijes-6455	86	18	increase	increase	NOUN
aijes-6455	86	19	in	in	ADP
aijes-6455	86	20	debit	debit	NOUN
aijes-6455	86	21	card	card	NOUN
aijes-6455	86	22	transactions	transaction	NOUN
aijes-6455	86	23	were	be	AUX
aijes-6455	86	24	observed	observe	VERB
aijes-6455	86	25	in	in	ADP
aijes-6455	86	26	electronic	electronic	ADJ
aijes-6455	86	27	commerce	commerce	NOUN
aijes-6455	86	28	"	"	PUNCT
aijes-6455	86	29	(	(	PUNCT
aijes-6455	86	30	cbar	cbar	ADJ
aijes-6455	86	31	,	,	PUNCT
aijes-6455	86	32	2023	2023	NUM
aijes-6455	86	33	)	)	PUNCT
aijes-6455	86	34	.	.	PUNCT
aijes-6455	87	1	the	the	DET
aijes-6455	87	2	low	low	ADJ
aijes-6455	87	3	level	level	NOUN
aijes-6455	87	4	of	of	ADP
aijes-6455	87	5	financial	financial	ADJ
aijes-6455	87	6	literacy	literacy	NOUN
aijes-6455	87	7	among	among	ADP
aijes-6455	87	8	the	the	DET
aijes-6455	87	9	population	population	NOUN
aijes-6455	87	10	and	and	CCONJ
aijes-6455	87	11	lack	lack	NOUN
aijes-6455	87	12	of	of	ADP
aijes-6455	87	13	knowledge	knowledge	NOUN
aijes-6455	87	14	about	about	ADP
aijes-6455	87	15	the	the	DET
aijes-6455	87	16	advantages	advantage	NOUN
aijes-6455	87	17	of	of	ADP
aijes-6455	87	18	digital	digital	ADJ
aijes-6455	87	19	payments	payment	NOUN
aijes-6455	87	20	have	have	VERB
aijes-6455	87	21	a	a	DET
aijes-6455	87	22	negative	negative	ADJ
aijes-6455	87	23	impact	impact	NOUN
aijes-6455	87	24	on	on	ADP
aijes-6455	87	25	the	the	DET
aijes-6455	87	26	use	use	NOUN
aijes-6455	87	27	of	of	ADP
aijes-6455	87	28	these	these	DET
aijes-6455	87	29	services	service	NOUN
aijes-6455	87	30	.	.	PUNCT
aijes-6455	88	1	a	a	DET
aijes-6455	88	2	study	study	NOUN
aijes-6455	88	3	conducted	conduct	VERB
aijes-6455	88	4	by	by	ADP
aijes-6455	88	5	the	the	DET
aijes-6455	88	6	world	world	PROPN
aijes-6455	88	7	bank	bank	PROPN
aijes-6455	88	8	shows	show	VERB
aijes-6455	88	9	that	that	SCONJ
aijes-6455	88	10	"	"	PUNCT
aijes-6455	88	11	interest	interest	NOUN
aijes-6455	88	12	in	in	ADP
aijes-6455	88	13	opening	open	VERB
aijes-6455	88	14	bank	bank	NOUN
aijes-6455	88	15	accounts	account	NOUN
aijes-6455	88	16	in	in	ADP
aijes-6455	88	17	azerbaijan	azerbaijan	PROPN
aijes-6455	88	18	is	be	AUX
aijes-6455	88	19	significantly	significantly	ADV
aijes-6455	88	20	less	less	ADJ
aijes-6455	88	21	.	.	PUNCT
aijes-6455	89	1	financial	financial	ADJ
aijes-6455	89	2	literacy	literacy	NOUN
aijes-6455	89	3	is	be	AUX
aijes-6455	89	4	lower	low	ADJ
aijes-6455	89	5	in	in	ADP
aijes-6455	89	6	regions	region	NOUN
aijes-6455	89	7	and	and	CCONJ
aijes-6455	89	8	rural	rural	ADJ
aijes-6455	89	9	areas	area	NOUN
aijes-6455	89	10	,	,	PUNCT
aijes-6455	89	11	especially	especially	ADV
aijes-6455	89	12	among	among	ADP
aijes-6455	89	13	housewives	housewife	NOUN
aijes-6455	89	14	and	and	CCONJ
aijes-6455	89	15	elderly	elderly	ADJ
aijes-6455	89	16	population	population	NOUN
aijes-6455	89	17	groups	group	NOUN
aijes-6455	89	18	"	"	PUNCT
aijes-6455	89	19	(	(	PUNCT
aijes-6455	89	20	cbar	cbar	ADJ
aijes-6455	89	21	,	,	PUNCT
aijes-6455	89	22	2023	2023	NUM
aijes-6455	89	23	)	)	PUNCT
aijes-6455	89	24	.	.	PUNCT
aijes-6455	90	1	the	the	DET
aijes-6455	90	2	weak	weak	ADJ
aijes-6455	90	3	competitive	competitive	ADJ
aijes-6455	90	4	environment	environment	NOUN
aijes-6455	90	5	and	and	CCONJ
aijes-6455	90	6	low	low	ADJ
aijes-6455	90	7	level	level	NOUN
aijes-6455	90	8	of	of	ADP
aijes-6455	90	9	financial	financial	ADJ
aijes-6455	90	10	literacy	literacy	NOUN
aijes-6455	90	11	in	in	ADP
aijes-6455	90	12	the	the	DET
aijes-6455	90	13	digital	digital	ADJ
aijes-6455	90	14	payment	payment	NOUN
aijes-6455	90	15	system	system	NOUN
aijes-6455	90	16	,	,	PUNCT
aijes-6455	90	17	high	high	ADJ
aijes-6455	90	18	cash	cash	NOUN
aijes-6455	90	19	circulation	circulation	NOUN
aijes-6455	90	20	outside	outside	ADP
aijes-6455	90	21	banks	bank	NOUN
aijes-6455	90	22	(	(	PUNCT
aijes-6455	90	23	m0	m0	NOUN
aijes-6455	90	24	/	/	SYM
aijes-6455	90	25	m2=46.3	m2=46.3	NOUN
aijes-6455	90	26	%	%	NOUN
aijes-6455	90	27	)	)	PUNCT
aijes-6455	90	28	,	,	PUNCT
aijes-6455	90	29	and	and	CCONJ
aijes-6455	90	30	the	the	DET
aijes-6455	90	31	rapid	rapid	ADJ
aijes-6455	90	32	expansion	expansion	NOUN
aijes-6455	90	33	trend	trend	NOUN
aijes-6455	90	34	of	of	ADP
aijes-6455	90	35	the	the	DET
aijes-6455	90	36	monetary	monetary	ADJ
aijes-6455	90	37	base	base	NOUN
aijes-6455	90	38	(	(	PUNCT
aijes-6455	90	39	2	2	NUM
aijes-6455	90	40	times	time	NOUN
aijes-6455	90	41	in	in	ADP
aijes-6455	90	42	the	the	DET
aijes-6455	90	43	last	last	ADJ
aijes-6455	90	44	5	5	NUM
aijes-6455	90	45	years	year	NOUN
aijes-6455	90	46	)	)	PUNCT
aijes-6455	90	47	are	be	AUX
aijes-6455	90	48	factors	factor	NOUN
aijes-6455	90	49	limiting	limit	VERB
aijes-6455	90	50	the	the	DET
aijes-6455	90	51	development	development	NOUN
aijes-6455	90	52	of	of	ADP
aijes-6455	90	53	cashless	cashless	NOUN
aijes-6455	90	54	payments	payment	NOUN
aijes-6455	90	55	and	and	CCONJ
aijes-6455	90	56	access	access	NOUN
aijes-6455	90	57	to	to	ADP
aijes-6455	90	58	financial	financial	ADJ
aijes-6455	90	59	services	service	NOUN
aijes-6455	90	60	.	.	PUNCT
aijes-6455	91	1	(	(	PUNCT
aijes-6455	91	2	zeynalov	zeynalov	NOUN
aijes-6455	91	3	,	,	PUNCT
aijes-6455	91	4	2021	2021	NUM
aijes-6455	91	5	)	)	PUNCT
aijes-6455	91	6	.	.	PUNCT
aijes-6455	92	1	at	at	ADP
aijes-6455	92	2	the	the	DET
aijes-6455	92	3	same	same	ADJ
aijes-6455	92	4	time	time	NOUN
aijes-6455	92	5	,	,	PUNCT
aijes-6455	92	6	the	the	DET
aijes-6455	92	7	weak	weak	ADJ
aijes-6455	92	8	development	development	NOUN
aijes-6455	92	9	of	of	ADP
aijes-6455	92	10	financial	financial	ADJ
aijes-6455	92	11	markets	market	NOUN
aijes-6455	92	12	,	,	PUNCT
aijes-6455	92	13	the	the	DET
aijes-6455	92	14	high	high	ADJ
aijes-6455	92	15	cost	cost	NOUN
aijes-6455	92	16	of	of	ADP
aijes-6455	92	17	digital	digital	ADJ
aijes-6455	92	18	payments	payment	NOUN
aijes-6455	92	19	,	,	PUNCT
aijes-6455	92	20	poor	poor	ADJ
aijes-6455	92	21	use	use	NOUN
aijes-6455	92	22	of	of	ADP
aijes-6455	92	23	payment	payment	NOUN
aijes-6455	92	24	facilities	facility	NOUN
aijes-6455	92	25	by	by	ADP
aijes-6455	92	26	business	business	NOUN
aijes-6455	92	27	entities	entity	NOUN
aijes-6455	92	28	and	and	CCONJ
aijes-6455	92	29	population	population	NOUN
aijes-6455	92	30	groups	group	NOUN
aijes-6455	92	31	,	,	PUNCT
aijes-6455	92	32	and	and	CCONJ
aijes-6455	92	33	a	a	DET
aijes-6455	92	34	number	number	NOUN
aijes-6455	92	35	of	of	ADP
aijes-6455	92	36	other	other	ADJ
aijes-6455	92	37	factors	factor	NOUN
aijes-6455	92	38	significantly	significantly	ADV
aijes-6455	92	39	impact	impact	VERB
aijes-6455	92	40	the	the	DET
aijes-6455	92	41	volume	volume	NOUN
aijes-6455	92	42	of	of	ADP
aijes-6455	92	43	digital	digital	ADJ
aijes-6455	92	44	payments	payment	NOUN
aijes-6455	92	45	.	.	PUNCT
aijes-6455	93	1	cyberattacks	cyberattack	NOUN
aijes-6455	93	2	and	and	CCONJ
aijes-6455	93	3	money	money	NOUN
aijes-6455	93	4	laundering	laundering	NOUN
aijes-6455	93	5	also	also	ADV
aijes-6455	93	6	pose	pose	VERB
aijes-6455	93	7	serious	serious	ADJ
aijes-6455	93	8	risks	risk	NOUN
aijes-6455	93	9	when	when	SCONJ
aijes-6455	93	10	using	use	VERB
aijes-6455	93	11	electronic	electronic	ADJ
aijes-6455	93	12	money	money	NOUN
aijes-6455	93	13	.	.	PUNCT
aijes-6455	94	1	it	it	PRON
aijes-6455	94	2	is	be	AUX
aijes-6455	94	3	crucial	crucial	ADJ
aijes-6455	94	4	to	to	PART
aijes-6455	94	5	continuously	continuously	ADV
aijes-6455	94	6	implement	implement	VERB
aijes-6455	94	7	various	various	ADJ
aijes-6455	94	8	projects	project	NOUN
aijes-6455	94	9	aimed	aim	VERB
aijes-6455	94	10	at	at	ADP
aijes-6455	94	11	increasing	increase	VERB
aijes-6455	94	12	access	access	NOUN
aijes-6455	94	13	to	to	ADP
aijes-6455	94	14	cheap	cheap	ADJ
aijes-6455	94	15	and	and	CCONJ
aijes-6455	94	16	convenient	convenient	ADJ
aijes-6455	94	17	financial	financial	ADJ
aijes-6455	94	18	services	service	NOUN
aijes-6455	94	19	for	for	ADP
aijes-6455	94	20	the	the	DET
aijes-6455	94	21	population	population	NOUN
aijes-6455	94	22	and	and	CCONJ
aijes-6455	94	23	businesses	business	NOUN
aijes-6455	94	24	in	in	ADP
aijes-6455	94	25	the	the	DET
aijes-6455	94	26	country	country	NOUN
aijes-6455	94	27	and	and	CCONJ
aijes-6455	94	28	increasing	increase	VERB
aijes-6455	94	29	the	the	DET
aijes-6455	94	30	volume	volume	NOUN
aijes-6455	94	31	of	of	ADP
aijes-6455	94	32	non	non	ADJ
aijes-6455	94	33	-	-	ADJ
aijes-6455	94	34	cash	cash	ADJ
aijes-6455	94	35	payments	payment	NOUN
aijes-6455	94	36	.	.	PUNCT
aijes-6455	95	1	for	for	ADP
aijes-6455	95	2	the	the	DET
aijes-6455	95	3	diversification	diversification	NOUN
aijes-6455	95	4	of	of	ADP
aijes-6455	95	5	the	the	DET
aijes-6455	95	6	banking	banking	NOUN
aijes-6455	95	7	sector	sector	NOUN
aijes-6455	95	8	and	and	CCONJ
aijes-6455	95	9	the	the	DET
aijes-6455	95	10	economy	economy	NOUN
aijes-6455	95	11	,	,	PUNCT
aijes-6455	95	12	the	the	DET
aijes-6455	95	13	creation	creation	NOUN
aijes-6455	95	14	of	of	ADP
aijes-6455	95	15	alternative	alternative	ADJ
aijes-6455	95	16	financial	financial	ADJ
aijes-6455	95	17	institutions	institution	NOUN
aijes-6455	95	18	to	to	ADP
aijes-6455	95	19	traditional	traditional	ADJ
aijes-6455	95	20	banks	bank	NOUN
aijes-6455	95	21	will	will	AUX
aijes-6455	95	22	create	create	VERB
aijes-6455	95	23	the	the	DET
aijes-6455	95	24	possibility	possibility	NOUN
aijes-6455	95	25	of	of	ADP
aijes-6455	95	26	attracting	attract	VERB
aijes-6455	95	27	large	large	ADJ
aijes-6455	95	28	amounts	amount	NOUN
aijes-6455	95	29	of	of	ADP
aijes-6455	95	30	financial	financial	ADJ
aijes-6455	95	31	flows	flow	NOUN
aijes-6455	95	32	outside	outside	ADP
aijes-6455	95	33	the	the	DET
aijes-6455	95	34	banking	banking	NOUN
aijes-6455	95	35	sector	sector	NOUN
aijes-6455	95	36	to	to	ADP
aijes-6455	95	37	the	the	DET
aijes-6455	95	38	banking	banking	NOUN
aijes-6455	95	39	circulation	circulation	NOUN
aijes-6455	95	40	and	and	CCONJ
aijes-6455	95	41	providing	provide	VERB
aijes-6455	95	42	cheaper	cheap	ADJ
aijes-6455	95	43	loans	loan	NOUN
aijes-6455	95	44	to	to	ADP
aijes-6455	95	45	the	the	DET
aijes-6455	95	46	real	real	ADJ
aijes-6455	95	47	sector	sector	NOUN
aijes-6455	95	48	by	by	ADP
aijes-6455	95	49	ensuring	ensure	VERB
aijes-6455	95	50	the	the	DET
aijes-6455	95	51	population	population	NOUN
aijes-6455	95	52	’s	’s	PART
aijes-6455	95	53	access	access	NOUN
aijes-6455	95	54	to	to	ADP
aijes-6455	95	55	financial	financial	ADJ
aijes-6455	95	56	services	service	NOUN
aijes-6455	95	57	.	.	PUNCT
aijes-6455	96	1	the	the	DET
aijes-6455	96	2	impact	impact	NOUN
aijes-6455	96	3	of	of	ADP
aijes-6455	96	4	digital	digital	ADJ
aijes-6455	96	5	payments	payment	NOUN
aijes-6455	96	6	on	on	ADP
aijes-6455	96	7	the	the	DET
aijes-6455	96	8	growth	growth	NOUN
aijes-6455	96	9	of	of	ADP
aijes-6455	96	10	cashless	cashless	NOUN
aijes-6455	96	11	payments	payment	NOUN
aijes-6455	96	12	and	and	CCONJ
aijes-6455	96	13	the	the	DET
aijes-6455	96	14	factors	factor	NOUN
aijes-6455	96	15	limiting	limit	VERB
aijes-6455	96	16	access	access	NOUN
aijes-6455	96	17	to	to	ADP
aijes-6455	96	18	financial	financial	ADJ
aijes-6455	96	19	services	service	NOUN
aijes-6455	96	20	186	186	NUM
aijes-6455	96	21	conclusions	conclusion	NOUN
aijes-6455	96	22	in	in	ADP
aijes-6455	96	23	conclusion	conclusion	NOUN
aijes-6455	96	24	,	,	PUNCT
aijes-6455	96	25	the	the	DET
aijes-6455	96	26	application	application	NOUN
aijes-6455	96	27	of	of	ADP
aijes-6455	96	28	new	new	ADJ
aijes-6455	96	29	technologies	technology	NOUN
aijes-6455	96	30	emerges	emerge	VERB
aijes-6455	96	31	as	as	ADP
aijes-6455	96	32	a	a	DET
aijes-6455	96	33	powerful	powerful	ADJ
aijes-6455	96	34	tool	tool	NOUN
aijes-6455	96	35	for	for	ADP
aijes-6455	96	36	enhancing	enhance	VERB
aijes-6455	96	37	the	the	DET
aijes-6455	96	38	qualitative	qualitative	ADJ
aijes-6455	96	39	aspects	aspect	NOUN
aijes-6455	96	40	and	and	CCONJ
aijes-6455	96	41	increasing	increase	VERB
aijes-6455	96	42	the	the	DET
aijes-6455	96	43	production	production	NOUN
aijes-6455	96	44	potential	potential	NOUN
aijes-6455	96	45	of	of	ADP
aijes-6455	96	46	a	a	DET
aijes-6455	96	47	nation	nation	NOUN
aijes-6455	96	48	.	.	PUNCT
aijes-6455	97	1	by	by	ADP
aijes-6455	97	2	extending	extend	VERB
aijes-6455	97	3	innovative	innovative	ADJ
aijes-6455	97	4	payment	payment	NOUN
aijes-6455	97	5	services	service	NOUN
aijes-6455	97	6	to	to	ADP
aijes-6455	97	7	customers	customer	NOUN
aijes-6455	97	8	,	,	PUNCT
aijes-6455	97	9	there	there	PRON
aijes-6455	97	10	is	be	VERB
aijes-6455	97	11	a	a	DET
aijes-6455	97	12	positive	positive	ADJ
aijes-6455	97	13	impact	impact	NOUN
aijes-6455	97	14	on	on	ADP
aijes-6455	97	15	mobilizing	mobilize	VERB
aijes-6455	97	16	internal	internal	ADJ
aijes-6455	97	17	financial	financial	ADJ
aijes-6455	97	18	resources	resource	NOUN
aijes-6455	97	19	and	and	CCONJ
aijes-6455	97	20	reducing	reduce	VERB
aijes-6455	97	21	the	the	DET
aijes-6455	97	22	high	high	ADJ
aijes-6455	97	23	cost	cost	NOUN
aijes-6455	97	24	of	of	ADP
aijes-6455	97	25	credit	credit	NOUN
aijes-6455	97	26	resources	resource	NOUN
aijes-6455	97	27	within	within	ADP
aijes-6455	97	28	the	the	DET
aijes-6455	97	29	banking	banking	NOUN
aijes-6455	97	30	sector	sector	NOUN
aijes-6455	97	31	.	.	PUNCT
aijes-6455	98	1	furthermore	furthermore	ADV
aijes-6455	98	2	,	,	PUNCT
aijes-6455	98	3	the	the	DET
aijes-6455	98	4	improvement	improvement	NOUN
aijes-6455	98	5	of	of	ADP
aijes-6455	98	6	economic	economic	ADJ
aijes-6455	98	7	management	management	NOUN
aijes-6455	98	8	mechanisms	mechanism	NOUN
aijes-6455	98	9	,	,	PUNCT
aijes-6455	98	10	with	with	ADP
aijes-6455	98	11	a	a	DET
aijes-6455	98	12	heightened	heightened	ADJ
aijes-6455	98	13	focus	focus	NOUN
aijes-6455	98	14	on	on	ADP
aijes-6455	98	15	formulating	formulate	VERB
aijes-6455	98	16	sectoral	sectoral	ADJ
aijes-6455	98	17	development	development	NOUN
aijes-6455	98	18	strategies	strategy	NOUN
aijes-6455	98	19	grounded	ground	VERB
aijes-6455	98	20	in	in	ADP
aijes-6455	98	21	the	the	DET
aijes-6455	98	22	economic	economic	ADJ
aijes-6455	98	23	and	and	CCONJ
aijes-6455	98	24	labor	labor	NOUN
aijes-6455	98	25	potential	potential	NOUN
aijes-6455	98	26	of	of	ADP
aijes-6455	98	27	distinct	distinct	ADJ
aijes-6455	98	28	regions	region	NOUN
aijes-6455	98	29	,	,	PUNCT
aijes-6455	98	30	stands	stand	VERB
aijes-6455	98	31	out	out	ADP
aijes-6455	98	32	as	as	ADP
aijes-6455	98	33	a	a	DET
aijes-6455	98	34	priority	priority	NOUN
aijes-6455	98	35	issue	issue	NOUN
aijes-6455	98	36	.	.	PUNCT
aijes-6455	99	1	the	the	DET
aijes-6455	99	2	overarching	overarching	ADJ
aijes-6455	99	3	goal	goal	NOUN
aijes-6455	99	4	is	be	AUX
aijes-6455	99	5	to	to	PART
aijes-6455	99	6	foster	foster	VERB
aijes-6455	99	7	economic	economic	ADJ
aijes-6455	99	8	growth	growth	NOUN
aijes-6455	99	9	and	and	CCONJ
aijes-6455	99	10	entrepreneurship	entrepreneurship	NOUN
aijes-6455	99	11	stimulation	stimulation	NOUN
aijes-6455	99	12	.	.	PUNCT
aijes-6455	100	1	addressing	address	VERB
aijes-6455	100	2	the	the	DET
aijes-6455	100	3	pressing	press	VERB
aijes-6455	100	4	matter	matter	NOUN
aijes-6455	100	5	of	of	ADP
aijes-6455	100	6	financial	financial	ADJ
aijes-6455	100	7	accessibility	accessibility	NOUN
aijes-6455	100	8	for	for	ADP
aijes-6455	100	9	both	both	DET
aijes-6455	100	10	businesses	business	NOUN
aijes-6455	100	11	and	and	CCONJ
aijes-6455	100	12	households	household	NOUN
aijes-6455	100	13	is	be	AUX
aijes-6455	100	14	paramount	paramount	ADJ
aijes-6455	100	15	.	.	PUNCT
aijes-6455	101	1	establishing	establish	VERB
aijes-6455	101	2	a	a	DET
aijes-6455	101	3	robust	robust	ADJ
aijes-6455	101	4	connection	connection	NOUN
aijes-6455	101	5	between	between	ADP
aijes-6455	101	6	the	the	DET
aijes-6455	101	7	real	real	ADJ
aijes-6455	101	8	and	and	CCONJ
aijes-6455	101	9	banking	banking	NOUN
aijes-6455	101	10	sectors	sector	NOUN
aijes-6455	101	11	requires	require	VERB
aijes-6455	101	12	concerted	concerted	ADJ
aijes-6455	101	13	efforts	effort	NOUN
aijes-6455	101	14	,	,	PUNCT
aijes-6455	101	15	including	include	VERB
aijes-6455	101	16	collaboration	collaboration	NOUN
aijes-6455	101	17	with	with	ADP
aijes-6455	101	18	international	international	ADJ
aijes-6455	101	19	financial	financial	ADJ
aijes-6455	101	20	institutions	institution	NOUN
aijes-6455	101	21	such	such	ADJ
aijes-6455	101	22	as	as	ADP
aijes-6455	101	23	the	the	DET
aijes-6455	101	24	international	international	ADJ
aijes-6455	101	25	monetary	monetary	ADJ
aijes-6455	101	26	fund	fund	NOUN
aijes-6455	101	27	and	and	CCONJ
aijes-6455	101	28	the	the	DET
aijes-6455	101	29	world	world	PROPN
aijes-6455	101	30	bank	bank	PROPN
aijes-6455	101	31	.	.	PUNCT
aijes-6455	102	1	urgent	urgent	ADJ
aijes-6455	102	2	monetary	monetary	ADJ
aijes-6455	102	3	reforms	reform	NOUN
aijes-6455	102	4	are	be	AUX
aijes-6455	102	5	essential	essential	ADJ
aijes-6455	102	6	in	in	ADP
aijes-6455	102	7	this	this	DET
aijes-6455	102	8	context	context	NOUN
aijes-6455	102	9	.	.	PUNCT
aijes-6455	103	1	to	to	PART
aijes-6455	103	2	expand	expand	VERB
aijes-6455	103	3	financial	financial	ADJ
aijes-6455	103	4	inclusion	inclusion	NOUN
aijes-6455	103	5	in	in	ADP
aijes-6455	103	6	the	the	DET
aijes-6455	103	7	banking	banking	NOUN
aijes-6455	103	8	services	service	NOUN
aijes-6455	103	9	market	market	NOUN
aijes-6455	103	10	and	and	CCONJ
aijes-6455	103	11	deepen	deepen	VERB
aijes-6455	103	12	financial	financial	ADJ
aijes-6455	103	13	intermediation	intermediation	NOUN
aijes-6455	103	14	,	,	PUNCT
aijes-6455	103	15	building	build	VERB
aijes-6455	103	16	trust	trust	NOUN
aijes-6455	103	17	in	in	ADP
aijes-6455	103	18	the	the	DET
aijes-6455	103	19	financial	financial	ADJ
aijes-6455	103	20	sector	sector	NOUN
aijes-6455	103	21	and	and	CCONJ
aijes-6455	103	22	ensuring	ensure	VERB
aijes-6455	103	23	transparency	transparency	NOUN
aijes-6455	103	24	are	be	AUX
aijes-6455	103	25	foundational	foundational	ADJ
aijes-6455	103	26	.	.	PUNCT
aijes-6455	104	1	measures	measure	NOUN
aijes-6455	104	2	to	to	PART
aijes-6455	104	3	develop	develop	VERB
aijes-6455	104	4	the	the	DET
aijes-6455	104	5	capital	capital	NOUN
aijes-6455	104	6	market	market	NOUN
aijes-6455	104	7	play	play	VERB
aijes-6455	104	8	a	a	DET
aijes-6455	104	9	crucial	crucial	ADJ
aijes-6455	104	10	role	role	NOUN
aijes-6455	104	11	in	in	ADP
aijes-6455	104	12	this	this	DET
aijes-6455	104	13	endeavor	endeavor	NOUN
aijes-6455	104	14	.	.	PUNCT
aijes-6455	105	1	the	the	DET
aijes-6455	105	2	organization	organization	NOUN
aijes-6455	105	3	and	and	CCONJ
aijes-6455	105	4	promotion	promotion	NOUN
aijes-6455	105	5	of	of	ADP
aijes-6455	105	6	innovative	innovative	ADJ
aijes-6455	105	7	methods	method	NOUN
aijes-6455	105	8	in	in	ADP
aijes-6455	105	9	the	the	DET
aijes-6455	105	10	payment	payment	NOUN
aijes-6455	105	11	market	market	NOUN
aijes-6455	105	12	,	,	PUNCT
aijes-6455	105	13	especially	especially	ADV
aijes-6455	105	14	those	those	PRON
aijes-6455	105	15	facilitating	facilitate	VERB
aijes-6455	105	16	access	access	NOUN
aijes-6455	105	17	to	to	ADP
aijes-6455	105	18	non	non	ADJ
aijes-6455	105	19	-	-	ADJ
aijes-6455	105	20	cash	cash	ADJ
aijes-6455	105	21	payments	payment	NOUN
aijes-6455	105	22	,	,	PUNCT
aijes-6455	105	23	represent	represent	VERB
aijes-6455	105	24	a	a	DET
aijes-6455	105	25	key	key	ADJ
aijes-6455	105	26	priority	priority	NOUN
aijes-6455	105	27	.	.	PUNCT
aijes-6455	106	1	this	this	PRON
aijes-6455	106	2	involves	involve	VERB
aijes-6455	106	3	fostering	foster	VERB
aijes-6455	106	4	confidence	confidence	NOUN
aijes-6455	106	5	,	,	PUNCT
aijes-6455	106	6	transparency	transparency	NOUN
aijes-6455	106	7	,	,	PUNCT
aijes-6455	106	8	and	and	CCONJ
aijes-6455	106	9	regulatory	regulatory	ADJ
aijes-6455	106	10	frameworks	framework	NOUN
aijes-6455	106	11	covering	cover	VERB
aijes-6455	106	12	the	the	DET
aijes-6455	106	13	legal	legal	ADJ
aijes-6455	106	14	and	and	CCONJ
aijes-6455	106	15	security	security	NOUN
aijes-6455	106	16	aspects	aspect	NOUN
aijes-6455	106	17	of	of	ADP
aijes-6455	106	18	digital	digital	ADJ
aijes-6455	106	19	payments	payment	NOUN
aijes-6455	106	20	to	to	PART
aijes-6455	106	21	ensure	ensure	VERB
aijes-6455	106	22	the	the	DET
aijes-6455	106	23	stability	stability	NOUN
aijes-6455	106	24	and	and	CCONJ
aijes-6455	106	25	security	security	NOUN
aijes-6455	106	26	of	of	ADP
aijes-6455	106	27	the	the	DET
aijes-6455	106	28	payment	payment	NOUN
aijes-6455	106	29	system	system	NOUN
aijes-6455	106	30	.	.	PUNCT
aijes-6455	107	1	creating	create	VERB
aijes-6455	107	2	a	a	DET
aijes-6455	107	3	stable	stable	ADJ
aijes-6455	107	4	system	system	NOUN
aijes-6455	107	5	in	in	ADP
aijes-6455	107	6	the	the	DET
aijes-6455	107	7	banking	banking	NOUN
aijes-6455	107	8	services	service	NOUN
aijes-6455	107	9	market	market	NOUN
aijes-6455	107	10	and	and	CCONJ
aijes-6455	107	11	reinforcing	reinforce	VERB
aijes-6455	107	12	its	its	PRON
aijes-6455	107	13	integration	integration	NOUN
aijes-6455	107	14	into	into	ADP
aijes-6455	107	15	the	the	DET
aijes-6455	107	16	real	real	ADJ
aijes-6455	107	17	sector	sector	NOUN
aijes-6455	107	18	are	be	AUX
aijes-6455	107	19	imperative	imperative	ADJ
aijes-6455	107	20	.	.	PUNCT
aijes-6455	108	1	diversifying	diversify	VERB
aijes-6455	108	2	investment	investment	NOUN
aijes-6455	108	3	sources	source	NOUN
aijes-6455	108	4	becomes	become	VERB
aijes-6455	108	5	a	a	DET
aijes-6455	108	6	strategic	strategic	ADJ
aijes-6455	108	7	approach	approach	NOUN
aijes-6455	108	8	for	for	ADP
aijes-6455	108	9	the	the	DET
aijes-6455	108	10	banking	banking	NOUN
aijes-6455	108	11	sector	sector	NOUN
aijes-6455	108	12	to	to	PART
aijes-6455	108	13	minimize	minimize	VERB
aijes-6455	108	14	risks	risk	NOUN
aijes-6455	108	15	effectively	effectively	ADV
aijes-6455	108	16	.	.	PUNCT
aijes-6455	109	1	lastly	lastly	ADV
aijes-6455	109	2	,	,	PUNCT
aijes-6455	109	3	the	the	DET
aijes-6455	109	4	rapid	rapid	ADJ
aijes-6455	109	5	,	,	PUNCT
aijes-6455	109	6	efficient	efficient	ADJ
aijes-6455	109	7	,	,	PUNCT
aijes-6455	109	8	and	and	CCONJ
aijes-6455	109	9	secure	secure	VERB
aijes-6455	109	10	adoption	adoption	NOUN
aijes-6455	109	11	of	of	ADP
aijes-6455	109	12	innovative	innovative	ADJ
aijes-6455	109	13	innovations	innovation	NOUN
aijes-6455	109	14	in	in	ADP
aijes-6455	109	15	digital	digital	ADJ
aijes-6455	109	16	payments	payment	NOUN
aijes-6455	109	17	and	and	CCONJ
aijes-6455	109	18	electronic	electronic	ADJ
aijes-6455	109	19	banking	banking	NOUN
aijes-6455	109	20	services	service	NOUN
aijes-6455	109	21	necessitates	necessitate	VERB
aijes-6455	109	22	ongoing	ongoing	ADJ
aijes-6455	109	23	efforts	effort	NOUN
aijes-6455	109	24	to	to	PART
aijes-6455	109	25	educate	educate	VERB
aijes-6455	109	26	the	the	DET
aijes-6455	109	27	population	population	NOUN
aijes-6455	109	28	and	and	CCONJ
aijes-6455	109	29	enhance	enhance	VERB
aijes-6455	109	30	financial	financial	ADJ
aijes-6455	109	31	literacy	literacy	NOUN
aijes-6455	109	32	periodically	periodically	ADV
aijes-6455	109	33	.	.	PUNCT
aijes-6455	110	1	this	this	DET
aijes-6455	110	2	holistic	holistic	ADJ
aijes-6455	110	3	approach	approach	NOUN
aijes-6455	110	4	ensures	ensure	VERB
aijes-6455	110	5	the	the	DET
aijes-6455	110	6	sustainable	sustainable	ADJ
aijes-6455	110	7	growth	growth	NOUN
aijes-6455	110	8	of	of	ADP
aijes-6455	110	9	the	the	DET
aijes-6455	110	10	economy	economy	NOUN
aijes-6455	110	11	,	,	PUNCT
aijes-6455	110	12	supported	support	VERB
aijes-6455	110	13	by	by	ADP
aijes-6455	110	14	a	a	DET
aijes-6455	110	15	well	well	ADV
aijes-6455	110	16	-	-	PUNCT
aijes-6455	110	17	functioning	function	VERB
aijes-6455	110	18	and	and	CCONJ
aijes-6455	110	19	resilient	resilient	ADJ
aijes-6455	110	20	financial	financial	ADJ
aijes-6455	110	21	ecosystem	ecosystem	NOUN
aijes-6455	110	22	.	.	PUNCT
aijes-6455	111	1	references	reference	NOUN
aijes-6455	111	2	1	1	NUM
aijes-6455	111	3	.	.	PUNCT
aijes-6455	111	4	central	central	ADJ
aijes-6455	111	5	bank	bank	PROPN
aijes-6455	111	6	of	of	ADP
aijes-6455	111	7	the	the	DET
aijes-6455	111	8	republic	republic	NOUN
aijes-6455	111	9	of	of	ADP
aijes-6455	111	10	azerbaijan	azerbaijan	PROPN
aijes-6455	111	11	.	.	PUNCT
aijes-6455	112	1	(	(	PUNCT
aijes-6455	112	2	2022	2022	NUM
aijes-6455	112	3	)	)	PUNCT
aijes-6455	112	4	.	.	PUNCT
aijes-6455	113	1	annual	annual	ADJ
aijes-6455	113	2	report	report	NOUN
aijes-6455	113	3	.	.	PUNCT
aijes-6455	114	1	baku	baku	PROPN
aijes-6455	114	2	.	.	PROPN
aijes-6455	115	1	2	2	NUM
aijes-6455	115	2	.	.	X
aijes-6455	115	3	central	central	ADJ
aijes-6455	115	4	bank	bank	PROPN
aijes-6455	115	5	of	of	ADP
aijes-6455	115	6	the	the	DET
aijes-6455	115	7	republic	republic	NOUN
aijes-6455	115	8	of	of	ADP
aijes-6455	115	9	azerbaijan	azerbaijan	PROPN
aijes-6455	115	10	.	.	PUNCT
aijes-6455	116	1	(	(	PUNCT
aijes-6455	116	2	2021	2021	NUM
aijes-6455	116	3	-	-	SYM
aijes-6455	116	4	2023	2023	NUM
aijes-6455	116	5	)	)	PUNCT
aijes-6455	116	6	.	.	PUNCT
aijes-6455	117	1	digital	digital	ADJ
aijes-6455	117	2	payment	payment	NOUN
aijes-6455	117	3	strategy	strategy	NOUN
aijes-6455	117	4	.	.	PUNCT
aijes-6455	118	1	retrieved	retrieve	VERB
aijes-6455	118	2	from	from	ADP
aijes-6455	118	3	https://worldpaymentsreport.com/resources/world-payments-report-2020/	https://worldpaymentsreport.com/resources/world-payments-report-2020/	PROPN
aijes-6455	118	4	3	3	NUM
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aijes-6455	118	9	the	the	DET
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aijes-6455	119	6	.	.	PUNCT
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aijes-6455	120	2	payment	payment	NOUN
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aijes-6455	120	4	.	.	PUNCT
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aijes-6455	121	2	from	from	ADP
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aijes-6455	121	5	4	4	X
aijes-6455	121	6	.	.	PUNCT
aijes-6455	121	7	central	central	ADJ
aijes-6455	121	8	bank	bank	PROPN
aijes-6455	121	9	of	of	ADP
aijes-6455	121	10	the	the	DET
aijes-6455	121	11	republic	republic	NOUN
aijes-6455	121	12	of	of	ADP
aijes-6455	121	13	azerbaijan	azerbaijan	PROPN
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aijes-6455	122	3	)	)	PUNCT
aijes-6455	122	4	.	.	PUNCT
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aijes-6455	123	2	of	of	ADP
aijes-6455	123	3	monetary	monetary	ADJ
aijes-6455	123	4	policy	policy	NOUN
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aijes-6455	123	9	.	.	PUNCT
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aijes-6455	124	2	.	.	PROPN
aijes-6455	125	1	5	5	NUM
aijes-6455	125	2	.	.	X
aijes-6455	125	3	zeynalov	zeynalov	NOUN
aijes-6455	125	4	,	,	PUNCT
aijes-6455	125	5	z.	z.	PROPN
aijes-6455	125	6	(	(	PUNCT
aijes-6455	125	7	2021	2021	NUM
aijes-6455	125	8	)	)	PUNCT
aijes-6455	125	9	.	.	PUNCT
aijes-6455	126	1	economic	economic	ADJ
aijes-6455	126	2	opportunities	opportunity	NOUN
aijes-6455	126	3	and	and	CCONJ
aijes-6455	126	4	factors	factor	NOUN
aijes-6455	126	5	limiting	limit	VERB
aijes-6455	126	6	access	access	NOUN
aijes-6455	126	7	to	to	ADP
aijes-6455	126	8	financial	financial	ADJ
aijes-6455	126	9	resources	resource	NOUN
aijes-6455	126	10	in	in	ADP
aijes-6455	126	11	the	the	DET
aijes-6455	126	12	financial	financial	ADJ
aijes-6455	126	13	sector	sector	NOUN
aijes-6455	126	14	.	.	PUNCT
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aijes-6455	127	4	conference	conference	NOUN
aijes-6455	127	5	on	on	ADP
aijes-6455	127	6	"	"	PUNCT
aijes-6455	127	7	economy	economy	NOUN
aijes-6455	127	8	of	of	ADP
aijes-6455	127	9	azerbaijan	azerbaijan	PROPN
aijes-6455	127	10	in	in	ADP
aijes-6455	127	11	the	the	DET
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aijes-6455	127	13	of	of	ADP
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aijes-6455	127	15	"	"	PUNCT
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aijes-6455	127	17	p.	p.	NOUN
aijes-6455	127	18	191	191	NUM
aijes-6455	127	19	)	)	PUNCT
aijes-6455	127	20	.	.	PUNCT
aijes-6455	128	1	azerbaijan	azerbaijan	PROPN
aijes-6455	128	2	state	state	PROPN
aijes-6455	128	3	university	university	PROPN
aijes-6455	128	4	of	of	ADP
aijes-6455	128	5	economics	economic	NOUN
aijes-6455	128	6	.	.	PUNCT
aijes-6455	129	1	6	6	X
aijes-6455	129	2	.	.	X
aijes-6455	129	3	government	government	NOUN
aijes-6455	129	4	of	of	ADP
aijes-6455	129	5	azerbaijan	azerbaijan	PROPN
aijes-6455	129	6	.	.	PUNCT
aijes-6455	130	1	(	(	PUNCT
aijes-6455	130	2	2016	2016	NUM
aijes-6455	130	3	)	)	PUNCT
aijes-6455	130	4	.	.	PUNCT
aijes-6455	131	1	national	national	ADJ
aijes-6455	131	2	economy	economy	NOUN
aijes-6455	131	3	and	and	CCONJ
aijes-6455	131	4	strategic	strategic	ADJ
aijes-6455	131	5	road	road	NOUN
aijes-6455	131	6	map	map	NOUN
aijes-6455	131	7	on	on	ADP
aijes-6455	131	8	the	the	DET
aijes-6455	131	9	main	main	ADJ
aijes-6455	131	10	areas	area	NOUN
aijes-6455	131	11	of	of	ADP
aijes-6455	131	12	the	the	DET
aijes-6455	131	13	economy	economy	NOUN
aijes-6455	131	14	.	.	PUNCT
aijes-6455	132	1	baku	baku	PROPN
aijes-6455	132	2	.	.	PROPN
aijes-6455	132	3	https://worldpaymentsreport.com/resources/world-payments-report-2020/	https://worldpaymentsreport.com/resources/world-payments-report-2020/	PROPN
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aijes-6455	132	5	http://documents1.worldbank.org/curated/en/880631470853969754/pdf/107748-wp-p125462-public-10-8-2016%20azerbaijanenhancingfinancialcapabilityandinclusionfinal.pdf	http://documents1.worldbank.org/curated/en/880631470853969754/pdf/107748-wp-p125462-public-10-8-2016%20azerbaijanenhancingfinancialcapabilityandinclusionfinal.pdf	PROPN