id	sid	tid	token	lemma	pos
aijes-7149	1	1	agora	agora	PROPN
aijes-7149	1	2	international	international	PROPN
aijes-7149	1	3	journal	journal	NOUN
aijes-7149	1	4	of	of	ADP
aijes-7149	1	5	economical	economical	ADJ
aijes-7149	1	6	sciences	science	NOUN
aijes-7149	1	7	,	,	PUNCT
aijes-7149	1	8	http://univagora.ro/jour/index.php/aijes	http://univagora.ro/jour/index.php/aijes	PRON
aijes-7149	1	9	issn	issn	PROPN
aijes-7149	1	10	2067	2067	NUM
aijes-7149	1	11	-	-	SYM
aijes-7149	1	12	3310	3310	NUM
aijes-7149	1	13	,	,	PUNCT
aijes-7149	1	14	e	e	X
aijes-7149	1	15	-	-	PUNCT
aijes-7149	1	16	issn	issn	PROPN
aijes-7149	1	17	2067	2067	NUM
aijes-7149	1	18	-	-	SYM
aijes-7149	1	19	7669	7669	NUM
aijes-7149	1	20	vol	vol	NOUN
aijes-7149	1	21	.	.	PROPN
aijes-7149	1	22	19	19	NUM
aijes-7149	1	23	,	,	PUNCT
aijes-7149	1	24	no	no	INTJ
aijes-7149	1	25	.	.	NOUN
aijes-7149	1	26	1	1	NUM
aijes-7149	1	27	(	(	PUNCT
aijes-7149	1	28	2025	2025	NUM
aijes-7149	1	29	)	)	PUNCT
aijes-7149	1	30	,	,	PUNCT
aijes-7149	1	31	pp	pp	PROPN
aijes-7149	1	32	.	.	PUNCT
aijes-7149	2	1	154	154	NUM
aijes-7149	2	2	-	-	SYM
aijes-7149	2	3	162	162	NUM
aijes-7149	2	4	154	154	NUM
aijes-7149	2	5	fundamentals	fundamental	NOUN
aijes-7149	2	6	of	of	ADP
aijes-7149	2	7	innovation	innovation	NOUN
aijes-7149	2	8	in	in	ADP
aijes-7149	2	9	modern	modern	ADJ
aijes-7149	2	10	banking	banking	NOUN
aijes-7149	2	11	services	services	PROPN
aijes-7149	2	12	n.	n.	PROPN
aijes-7149	2	13	khudiyev	khudiyev	PROPN
aijes-7149	2	14	,	,	PUNCT
aijes-7149	2	15	r.	r.	PROPN
aijes-7149	2	16	mammadli	mammadli	PROPN
aijes-7149	2	17	nizami	nizami	PROPN
aijes-7149	2	18	khudiyev¹	khudiyev¹	PROPN
aijes-7149	2	19	,	,	PUNCT
aijes-7149	2	20	ragib	ragib	NOUN
aijes-7149	2	21	mammadli²	mammadli²	NOUN
aijes-7149	2	22	¹	¹	PROPN
aijes-7149	2	23	²	²	PROPN
aijes-7149	2	24	azerbaijan	azerbaijan	PROPN
aijes-7149	2	25	state	state	PROPN
aijes-7149	2	26	university	university	PROPN
aijes-7149	2	27	of	of	ADP
aijes-7149	2	28	economics	economics	PROPN
aijes-7149	2	29	(	(	PUNCT
aijes-7149	2	30	unec	unec	PROPN
aijes-7149	2	31	)	)	PUNCT
aijes-7149	2	32	,	,	PUNCT
aijes-7149	2	33	azerbaijan	azerbaijan	PROPN
aijes-7149	2	34	¹	¹	PROPN
aijes-7149	2	35	https://orcid.org/0000-0002-9164-4009	https://orcid.org/0000-0002-9164-4009	PROPN
aijes-7149	2	36	,	,	PUNCT
aijes-7149	2	37	e	e	NOUN
aijes-7149	2	38	-	-	NOUN
aijes-7149	2	39	mail	mail	NOUN
aijes-7149	2	40	:	:	PUNCT
aijes-7149	2	41	nizami_khudiyev@unec.edu.az	nizami_khudiyev@unec.edu.az	NOUN
aijes-7149	2	42	²	²	NUM
aijes-7149	2	43	https://orcid.org/0009-0009-3721-3548	https://orcid.org/0009-0009-3721-3548	NOUN
aijes-7149	2	44	,	,	PUNCT
aijes-7149	2	45	e	e	NOUN
aijes-7149	2	46	-	-	NOUN
aijes-7149	2	47	mail	mail	NOUN
aijes-7149	2	48	:	:	PUNCT
aijes-7149	2	49	mammadli.raqib.mammadali.2023@unec.edu.az	mammadli.raqib.mammadali.2023@unec.edu.az	PROPN
aijes-7149	2	50	abstract	abstract	NOUN
aijes-7149	2	51	:	:	PUNCT
aijes-7149	2	52	in	in	ADP
aijes-7149	2	53	today	today	NOUN
aijes-7149	2	54	's	's	PART
aijes-7149	2	55	constantly	constantly	ADV
aijes-7149	2	56	evolving	evolve	VERB
aijes-7149	2	57	technological	technological	ADJ
aijes-7149	2	58	world	world	NOUN
aijes-7149	2	59	,	,	PUNCT
aijes-7149	2	60	banks	bank	NOUN
aijes-7149	2	61	need	need	VERB
aijes-7149	2	62	to	to	PART
aijes-7149	2	63	implement	implement	VERB
aijes-7149	2	64	modern	modern	ADJ
aijes-7149	2	65	innovations	innovation	NOUN
aijes-7149	2	66	to	to	PART
aijes-7149	2	67	remain	remain	VERB
aijes-7149	2	68	competitive	competitive	ADJ
aijes-7149	2	69	in	in	ADP
aijes-7149	2	70	banking	banking	NOUN
aijes-7149	2	71	environment	environment	NOUN
aijes-7149	2	72	and	and	CCONJ
aijes-7149	2	73	meet	meet	VERB
aijes-7149	2	74	the	the	DET
aijes-7149	2	75	growing	grow	VERB
aijes-7149	2	76	needs	need	NOUN
aijes-7149	2	77	of	of	ADP
aijes-7149	2	78	their	their	PRON
aijes-7149	2	79	customers	customer	NOUN
aijes-7149	2	80	.	.	PUNCT
aijes-7149	3	1	innovative	innovative	ADJ
aijes-7149	3	2	advancements	advancement	NOUN
aijes-7149	3	3	help	help	VERB
aijes-7149	3	4	banks	bank	NOUN
aijes-7149	3	5	digitize	digitize	VERB
aijes-7149	3	6	their	their	PRON
aijes-7149	3	7	banking	banking	NOUN
aijes-7149	3	8	services	service	NOUN
aijes-7149	3	9	,	,	PUNCT
aijes-7149	3	10	operations	operation	NOUN
aijes-7149	3	11	and	and	CCONJ
aijes-7149	3	12	management	management	NOUN
aijes-7149	3	13	,	,	PUNCT
aijes-7149	3	14	improve	improve	VERB
aijes-7149	3	15	efficiency	efficiency	NOUN
aijes-7149	3	16	,	,	PUNCT
aijes-7149	3	17	productivity	productivity	NOUN
aijes-7149	3	18	and	and	CCONJ
aijes-7149	3	19	functionality	functionality	NOUN
aijes-7149	3	20	,	,	PUNCT
aijes-7149	3	21	reduce	reduce	VERB
aijes-7149	3	22	costs	cost	NOUN
aijes-7149	3	23	,	,	PUNCT
aijes-7149	3	24	create	create	VERB
aijes-7149	3	25	new	new	ADJ
aijes-7149	3	26	banking	banking	NOUN
aijes-7149	3	27	products	product	NOUN
aijes-7149	3	28	and	and	CCONJ
aijes-7149	3	29	improve	improve	VERB
aijes-7149	3	30	existing	exist	VERB
aijes-7149	3	31	ones	one	NOUN
aijes-7149	3	32	.	.	PUNCT
aijes-7149	4	1	in	in	ADP
aijes-7149	4	2	addition	addition	NOUN
aijes-7149	4	3	to	to	ADP
aijes-7149	4	4	their	their	PRON
aijes-7149	4	5	countless	countless	ADJ
aijes-7149	4	6	benefits	benefit	NOUN
aijes-7149	4	7	,	,	PUNCT
aijes-7149	4	8	innovations	innovation	NOUN
aijes-7149	4	9	also	also	ADV
aijes-7149	4	10	create	create	VERB
aijes-7149	4	11	numerous	numerous	ADJ
aijes-7149	4	12	potential	potential	ADJ
aijes-7149	4	13	risks	risk	NOUN
aijes-7149	4	14	and	and	CCONJ
aijes-7149	4	15	challenges	challenge	NOUN
aijes-7149	4	16	for	for	ADP
aijes-7149	4	17	banks	bank	NOUN
aijes-7149	4	18	.	.	PUNCT
aijes-7149	5	1	using	use	VERB
aijes-7149	5	2	a	a	DET
aijes-7149	5	3	mixed	mixed	ADJ
aijes-7149	5	4	research	research	NOUN
aijes-7149	5	5	methodology	methodology	NOUN
aijes-7149	5	6	,	,	PUNCT
aijes-7149	5	7	this	this	DET
aijes-7149	5	8	article	article	NOUN
aijes-7149	5	9	examines	examine	VERB
aijes-7149	5	10	the	the	DET
aijes-7149	5	11	main	main	ADJ
aijes-7149	5	12	types	type	NOUN
aijes-7149	5	13	of	of	ADP
aijes-7149	5	14	innovation	innovation	NOUN
aijes-7149	5	15	implemented	implement	VERB
aijes-7149	5	16	by	by	ADP
aijes-7149	5	17	banks	bank	NOUN
aijes-7149	5	18	in	in	ADP
aijes-7149	5	19	banking	banking	NOUN
aijes-7149	5	20	services	service	NOUN
aijes-7149	5	21	and	and	CCONJ
aijes-7149	5	22	management	management	NOUN
aijes-7149	5	23	,	,	PUNCT
aijes-7149	5	24	highlights	highlight	VERB
aijes-7149	5	25	their	their	PRON
aijes-7149	5	26	main	main	ADJ
aijes-7149	5	27	characteristics	characteristic	NOUN
aijes-7149	5	28	and	and	CCONJ
aijes-7149	5	29	analyzes	analyze	VERB
aijes-7149	5	30	their	their	PRON
aijes-7149	5	31	common	common	ADJ
aijes-7149	5	32	benefits	benefit	NOUN
aijes-7149	5	33	and	and	CCONJ
aijes-7149	5	34	challenges	challenge	NOUN
aijes-7149	5	35	.	.	PUNCT
aijes-7149	6	1	demographic	demographic	ADJ
aijes-7149	6	2	analysis	analysis	NOUN
aijes-7149	6	3	part	part	NOUN
aijes-7149	6	4	of	of	ADP
aijes-7149	6	5	the	the	DET
aijes-7149	6	6	article	article	NOUN
aijes-7149	6	7	explores	explore	VERB
aijes-7149	6	8	the	the	DET
aijes-7149	6	9	number	number	NOUN
aijes-7149	6	10	of	of	ADP
aijes-7149	6	11	users	user	NOUN
aijes-7149	6	12	of	of	ADP
aijes-7149	6	13	digital	digital	ADJ
aijes-7149	6	14	banking	banking	NOUN
aijes-7149	6	15	services	service	NOUN
aijes-7149	6	16	worldwide	worldwide	ADV
aijes-7149	6	17	and	and	CCONJ
aijes-7149	6	18	the	the	DET
aijes-7149	6	19	factors	factor	NOUN
aijes-7149	6	20	influencing	influence	VERB
aijes-7149	6	21	their	their	PRON
aijes-7149	6	22	adoption	adoption	NOUN
aijes-7149	6	23	of	of	ADP
aijes-7149	6	24	modern	modern	ADJ
aijes-7149	6	25	innovations	innovation	NOUN
aijes-7149	6	26	.	.	PUNCT
aijes-7149	7	1	based	base	VERB
aijes-7149	7	2	on	on	ADP
aijes-7149	7	3	the	the	DET
aijes-7149	7	4	findings	finding	NOUN
aijes-7149	7	5	of	of	ADP
aijes-7149	7	6	this	this	DET
aijes-7149	7	7	article	article	NOUN
aijes-7149	7	8	,	,	PUNCT
aijes-7149	7	9	the	the	DET
aijes-7149	7	10	conclusion	conclusion	NOUN
aijes-7149	7	11	part	part	NOUN
aijes-7149	7	12	offers	offer	VERB
aijes-7149	7	13	brief	brief	ADJ
aijes-7149	7	14	recommendations	recommendation	NOUN
aijes-7149	7	15	to	to	ADP
aijes-7149	7	16	banks	bank	NOUN
aijes-7149	7	17	for	for	ADP
aijes-7149	7	18	the	the	DET
aijes-7149	7	19	effective	effective	ADJ
aijes-7149	7	20	implementation	implementation	NOUN
aijes-7149	7	21	of	of	ADP
aijes-7149	7	22	modern	modern	ADJ
aijes-7149	7	23	innovations	innovation	NOUN
aijes-7149	7	24	and	and	CCONJ
aijes-7149	7	25	maximizing	maximize	VERB
aijes-7149	7	26	their	their	PRON
aijes-7149	7	27	benefits	benefit	NOUN
aijes-7149	7	28	.	.	PUNCT
aijes-7149	8	1	keywords	keyword	NOUN
aijes-7149	8	2	:	:	PUNCT
aijes-7149	8	3	banking	banking	NOUN
aijes-7149	8	4	innovation	innovation	NOUN
aijes-7149	8	5	,	,	PUNCT
aijes-7149	8	6	innovative	innovative	ADJ
aijes-7149	8	7	banking	banking	NOUN
aijes-7149	8	8	services	service	NOUN
aijes-7149	8	9	,	,	PUNCT
aijes-7149	8	10	incremental	incremental	ADJ
aijes-7149	8	11	innovation	innovation	NOUN
aijes-7149	8	12	,	,	PUNCT
aijes-7149	8	13	disruptive	disruptive	ADJ
aijes-7149	8	14	innovation	innovation	NOUN
aijes-7149	8	15	,	,	PUNCT
aijes-7149	8	16	substantive	substantive	ADJ
aijes-7149	8	17	innovation	innovation	NOUN
aijes-7149	8	18	1	1	NUM
aijes-7149	8	19	.	.	PUNCT
aijes-7149	8	20	introduction	introduction	NOUN
aijes-7149	8	21	until	until	ADP
aijes-7149	8	22	the	the	DET
aijes-7149	8	23	20th	20th	ADJ
aijes-7149	8	24	century	century	NOUN
aijes-7149	8	25	,	,	PUNCT
aijes-7149	8	26	the	the	DET
aijes-7149	8	27	primary	primary	ADJ
aijes-7149	8	28	activity	activity	NOUN
aijes-7149	8	29	of	of	ADP
aijes-7149	8	30	banks	bank	NOUN
aijes-7149	8	31	was	be	AUX
aijes-7149	8	32	accepting	accept	VERB
aijes-7149	8	33	deposits	deposit	NOUN
aijes-7149	8	34	and	and	CCONJ
aijes-7149	8	35	granting	grant	VERB
aijes-7149	8	36	loans	loan	NOUN
aijes-7149	8	37	to	to	ADP
aijes-7149	8	38	individuals	individual	NOUN
aijes-7149	8	39	and	and	CCONJ
aijes-7149	8	40	legal	legal	ADJ
aijes-7149	8	41	entities	entity	NOUN
aijes-7149	8	42	.	.	PUNCT
aijes-7149	9	1	but	but	CCONJ
aijes-7149	9	2	,	,	PUNCT
aijes-7149	9	3	the	the	DET
aijes-7149	9	4	invention	invention	NOUN
aijes-7149	9	5	of	of	ADP
aijes-7149	9	6	the	the	DET
aijes-7149	9	7	computer	computer	NOUN
aijes-7149	9	8	in	in	ADP
aijes-7149	9	9	the	the	DET
aijes-7149	9	10	1960s	1960	NOUN
aijes-7149	9	11	and	and	CCONJ
aijes-7149	9	12	subsequent	subsequent	ADJ
aijes-7149	9	13	technological	technological	ADJ
aijes-7149	9	14	advances	advance	NOUN
aijes-7149	9	15	revolutionized	revolutionize	VERB
aijes-7149	9	16	all	all	DET
aijes-7149	9	17	sectors	sector	NOUN
aijes-7149	9	18	,	,	PUNCT
aijes-7149	9	19	including	include	VERB
aijes-7149	9	20	finance	finance	NOUN
aijes-7149	9	21	and	and	CCONJ
aijes-7149	9	22	banking	banking	NOUN
aijes-7149	9	23	.	.	PUNCT
aijes-7149	10	1	they	they	PRON
aijes-7149	10	2	enabled	enable	VERB
aijes-7149	10	3	banks	bank	NOUN
aijes-7149	10	4	to	to	PART
aijes-7149	10	5	expand	expand	VERB
aijes-7149	10	6	their	their	PRON
aijes-7149	10	7	operations	operation	NOUN
aijes-7149	10	8	and	and	CCONJ
aijes-7149	10	9	create	create	VERB
aijes-7149	10	10	new	new	ADJ
aijes-7149	10	11	banking	banking	NOUN
aijes-7149	10	12	services	service	NOUN
aijes-7149	10	13	.	.	PUNCT
aijes-7149	11	1	modern	modern	ADJ
aijes-7149	11	2	innovative	innovative	ADJ
aijes-7149	11	3	technologies	technology	NOUN
aijes-7149	11	4	bring	bring	VERB
aijes-7149	11	5	countless	countless	ADJ
aijes-7149	11	6	benefits	benefit	NOUN
aijes-7149	11	7	to	to	ADP
aijes-7149	11	8	banks	bank	NOUN
aijes-7149	11	9	,	,	PUNCT
aijes-7149	11	10	improving	improve	VERB
aijes-7149	11	11	their	their	PRON
aijes-7149	11	12	efficiency	efficiency	NOUN
aijes-7149	11	13	,	,	PUNCT
aijes-7149	11	14	productivity	productivity	NOUN
aijes-7149	11	15	,	,	PUNCT
aijes-7149	11	16	and	and	CCONJ
aijes-7149	11	17	functionality	functionality	NOUN
aijes-7149	11	18	,	,	PUNCT
aijes-7149	11	19	and	and	CCONJ
aijes-7149	11	20	making	make	VERB
aijes-7149	11	21	banking	banking	NOUN
aijes-7149	11	22	services	service	NOUN
aijes-7149	11	23	more	more	ADV
aijes-7149	11	24	accessible	accessible	ADJ
aijes-7149	11	25	to	to	ADP
aijes-7149	11	26	customers	customer	NOUN
aijes-7149	11	27	.	.	PUNCT
aijes-7149	12	1	however	however	ADV
aijes-7149	12	2	,	,	PUNCT
aijes-7149	12	3	there	there	PRON
aijes-7149	12	4	are	be	VERB
aijes-7149	12	5	several	several	ADJ
aijes-7149	12	6	innovation	innovation	NOUN
aijes-7149	12	7	strategies	strategy	NOUN
aijes-7149	12	8	in	in	ADP
aijes-7149	12	9	the	the	DET
aijes-7149	12	10	banking	banking	NOUN
aijes-7149	12	11	industry	industry	NOUN
aijes-7149	12	12	and	and	CCONJ
aijes-7149	12	13	banks	bank	NOUN
aijes-7149	12	14	should	should	AUX
aijes-7149	12	15	analyze	analyze	VERB
aijes-7149	12	16	and	and	CCONJ
aijes-7149	12	17	decide	decide	VERB
aijes-7149	12	18	what	what	DET
aijes-7149	12	19	type	type	NOUN
aijes-7149	12	20	of	of	ADP
aijes-7149	12	21	innovation	innovation	NOUN
aijes-7149	12	22	should	should	AUX
aijes-7149	12	23	be	be	AUX
aijes-7149	12	24	implemented	implement	VERB
aijes-7149	12	25	to	to	PART
aijes-7149	12	26	stay	stay	VERB
aijes-7149	12	27	ahead	ahead	ADV
aijes-7149	12	28	of	of	ADP
aijes-7149	12	29	competitors	competitor	NOUN
aijes-7149	12	30	.	.	PUNCT
aijes-7149	13	1	(	(	PUNCT
aijes-7149	13	2	campanella	campanella	PROPN
aijes-7149	13	3	&	&	CCONJ
aijes-7149	13	4	peruta	peruta	NOUN
aijes-7149	13	5	,	,	PUNCT
aijes-7149	13	6	2020	2020	NUM
aijes-7149	13	7	)	)	PUNCT
aijes-7149	13	8	.	.	PUNCT
aijes-7149	14	1	the	the	DET
aijes-7149	14	2	purpose	purpose	NOUN
aijes-7149	14	3	of	of	ADP
aijes-7149	14	4	this	this	DET
aijes-7149	14	5	article	article	NOUN
aijes-7149	14	6	is	be	AUX
aijes-7149	14	7	to	to	PART
aijes-7149	14	8	explore	explore	VERB
aijes-7149	14	9	the	the	DET
aijes-7149	14	10	main	main	ADJ
aijes-7149	14	11	types	type	NOUN
aijes-7149	14	12	of	of	ADP
aijes-7149	14	13	innovation	innovation	NOUN
aijes-7149	14	14	in	in	ADP
aijes-7149	14	15	the	the	DET
aijes-7149	14	16	banking	banking	NOUN
aijes-7149	14	17	sector	sector	NOUN
aijes-7149	14	18	,	,	PUNCT
aijes-7149	14	19	analyze	analyze	VERB
aijes-7149	14	20	the	the	DET
aijes-7149	14	21	benefits	benefit	NOUN
aijes-7149	14	22	and	and	CCONJ
aijes-7149	14	23	challenges	challenge	NOUN
aijes-7149	14	24	of	of	ADP
aijes-7149	14	25	innovative	innovative	ADJ
aijes-7149	14	26	banking	banking	NOUN
aijes-7149	14	27	services	service	NOUN
aijes-7149	14	28	,	,	PUNCT
aijes-7149	14	29	and	and	CCONJ
aijes-7149	14	30	provide	provide	VERB
aijes-7149	14	31	a	a	DET
aijes-7149	14	32	detailed	detailed	ADJ
aijes-7149	14	33	overview	overview	NOUN
aijes-7149	14	34	of	of	ADP
aijes-7149	14	35	how	how	SCONJ
aijes-7149	14	36	they	they	PRON
aijes-7149	14	37	are	be	AUX
aijes-7149	14	38	reshaping	reshape	VERB
aijes-7149	14	39	the	the	DET
aijes-7149	14	40	banking	banking	NOUN
aijes-7149	14	41	environment	environment	NOUN
aijes-7149	14	42	.	.	PUNCT
aijes-7149	15	1	https://orcid.org/0000-0002-9164-4009	https://orcid.org/0000-0002-9164-4009	X
aijes-7149	16	1	mailto:nizami_khudiyev@unec.edu.az	mailto:nizami_khudiyev@unec.edu.az	PROPN
aijes-7149	16	2	https://orcid.org/0009-0009-3721-3548	https://orcid.org/0009-0009-3721-3548	ADV
aijes-7149	16	3	mailto:mammadli.raqib.mammadali.2023@unec.edu.az	mailto:mammadli.raqib.mammadali.2023@unec.edu.az	PROPN
aijes-7149	16	4	nizami	nizami	PROPN
aijes-7149	16	5	khudiyev	khudiyev	PROPN
aijes-7149	16	6	,	,	PUNCT
aijes-7149	16	7	ragib	ragib	PROPN
aijes-7149	16	8	mammadli	mammadli	PROPN
aijes-7149	16	9	155	155	NUM
aijes-7149	16	10	2	2	NUM
aijes-7149	16	11	.	.	PUNCT
aijes-7149	16	12	types	type	NOUN
aijes-7149	16	13	of	of	ADP
aijes-7149	16	14	innovation	innovation	NOUN
aijes-7149	16	15	in	in	ADP
aijes-7149	16	16	modern	modern	ADJ
aijes-7149	16	17	banking	banking	NOUN
aijes-7149	16	18	services	service	NOUN
aijes-7149	16	19	innovation	innovation	NOUN
aijes-7149	16	20	in	in	ADP
aijes-7149	16	21	banking	banking	NOUN
aijes-7149	16	22	refers	refer	VERB
aijes-7149	16	23	to	to	ADP
aijes-7149	16	24	the	the	DET
aijes-7149	16	25	creation	creation	NOUN
aijes-7149	16	26	of	of	ADP
aijes-7149	16	27	new	new	ADJ
aijes-7149	16	28	services	service	NOUN
aijes-7149	16	29	,	,	PUNCT
aijes-7149	16	30	products	product	NOUN
aijes-7149	16	31	,	,	PUNCT
aijes-7149	16	32	or	or	CCONJ
aijes-7149	16	33	processes	process	NOUN
aijes-7149	16	34	that	that	PRON
aijes-7149	16	35	enhance	enhance	VERB
aijes-7149	16	36	the	the	DET
aijes-7149	16	37	existing	exist	VERB
aijes-7149	16	38	banking	banking	NOUN
aijes-7149	16	39	experience	experience	NOUN
aijes-7149	16	40	.	.	PUNCT
aijes-7149	17	1	it	it	PRON
aijes-7149	17	2	is	be	AUX
aijes-7149	17	3	essential	essential	ADJ
aijes-7149	17	4	for	for	ADP
aijes-7149	17	5	meeting	meet	VERB
aijes-7149	17	6	growing	grow	VERB
aijes-7149	17	7	customer	customer	NOUN
aijes-7149	17	8	needs	need	NOUN
aijes-7149	17	9	,	,	PUNCT
aijes-7149	17	10	improving	improve	VERB
aijes-7149	17	11	efficiency	efficiency	NOUN
aijes-7149	17	12	and	and	CCONJ
aijes-7149	17	13	remaining	remain	VERB
aijes-7149	17	14	competitive	competitive	ADJ
aijes-7149	17	15	in	in	ADP
aijes-7149	17	16	the	the	DET
aijes-7149	17	17	banking	banking	NOUN
aijes-7149	17	18	environment	environment	NOUN
aijes-7149	17	19	.	.	PUNCT
aijes-7149	18	1	below	below	ADP
aijes-7149	18	2	are	be	AUX
aijes-7149	18	3	examples	example	NOUN
aijes-7149	18	4	of	of	ADP
aijes-7149	18	5	the	the	DET
aijes-7149	18	6	main	main	ADJ
aijes-7149	18	7	types	type	NOUN
aijes-7149	18	8	of	of	ADP
aijes-7149	18	9	innovation	innovation	NOUN
aijes-7149	18	10	implemented	implement	VERB
aijes-7149	18	11	by	by	ADP
aijes-7149	18	12	banks	bank	NOUN
aijes-7149	18	13	to	to	PART
aijes-7149	18	14	achieve	achieve	VERB
aijes-7149	18	15	different	different	ADJ
aijes-7149	18	16	goals	goal	NOUN
aijes-7149	18	17	.	.	PUNCT
aijes-7149	19	1	incremental	incremental	ADJ
aijes-7149	19	2	innovation	innovation	NOUN
aijes-7149	19	3	in	in	ADP
aijes-7149	19	4	banking	banking	NOUN
aijes-7149	19	5	services	service	NOUN
aijes-7149	19	6	incremental	incremental	ADJ
aijes-7149	19	7	innovation	innovation	NOUN
aijes-7149	19	8	plays	play	VERB
aijes-7149	19	9	an	an	DET
aijes-7149	19	10	important	important	ADJ
aijes-7149	19	11	role	role	NOUN
aijes-7149	19	12	in	in	ADP
aijes-7149	19	13	improving	improve	VERB
aijes-7149	19	14	banking	banking	NOUN
aijes-7149	19	15	services	service	NOUN
aijes-7149	19	16	and	and	CCONJ
aijes-7149	19	17	products	product	NOUN
aijes-7149	19	18	.	.	PUNCT
aijes-7149	20	1	instead	instead	ADV
aijes-7149	20	2	of	of	ADP
aijes-7149	20	3	developing	develop	VERB
aijes-7149	20	4	completely	completely	ADV
aijes-7149	20	5	new	new	ADJ
aijes-7149	20	6	services	service	NOUN
aijes-7149	20	7	and	and	CCONJ
aijes-7149	20	8	products	product	NOUN
aijes-7149	20	9	,	,	PUNCT
aijes-7149	20	10	incremental	incremental	ADJ
aijes-7149	20	11	innovation	innovation	NOUN
aijes-7149	20	12	concentrates	concentrate	VERB
aijes-7149	20	13	on	on	ADP
aijes-7149	20	14	existing	exist	VERB
aijes-7149	20	15	ones	one	NOUN
aijes-7149	20	16	.	.	PUNCT
aijes-7149	21	1	it	it	PRON
aijes-7149	21	2	gradually	gradually	ADV
aijes-7149	21	3	and	and	CCONJ
aijes-7149	21	4	continuously	continuously	ADV
aijes-7149	21	5	improves	improve	VERB
aijes-7149	21	6	the	the	DET
aijes-7149	21	7	functionality	functionality	NOUN
aijes-7149	21	8	,	,	PUNCT
aijes-7149	21	9	efficiency	efficiency	NOUN
aijes-7149	21	10	and	and	CCONJ
aijes-7149	21	11	convenience	convenience	NOUN
aijes-7149	21	12	of	of	ADP
aijes-7149	21	13	existing	exist	VERB
aijes-7149	21	14	banking	banking	NOUN
aijes-7149	21	15	services	service	NOUN
aijes-7149	21	16	.	.	PUNCT
aijes-7149	22	1	incremental	incremental	ADJ
aijes-7149	22	2	innovation	innovation	NOUN
aijes-7149	22	3	has	have	VERB
aijes-7149	22	4	lower	low	ADJ
aijes-7149	22	5	risks	risk	NOUN
aijes-7149	22	6	compared	compare	VERB
aijes-7149	22	7	to	to	ADP
aijes-7149	22	8	other	other	ADJ
aijes-7149	22	9	types	type	NOUN
aijes-7149	22	10	of	of	ADP
aijes-7149	22	11	innovation	innovation	NOUN
aijes-7149	22	12	strategies	strategy	NOUN
aijes-7149	22	13	and	and	CCONJ
aijes-7149	22	14	allows	allow	VERB
aijes-7149	22	15	banks	bank	NOUN
aijes-7149	22	16	to	to	PART
aijes-7149	22	17	achieve	achieve	VERB
aijes-7149	22	18	noticeable	noticeable	ADJ
aijes-7149	22	19	results	result	NOUN
aijes-7149	22	20	in	in	ADP
aijes-7149	22	21	a	a	DET
aijes-7149	22	22	short	short	ADJ
aijes-7149	22	23	period	period	NOUN
aijes-7149	22	24	of	of	ADP
aijes-7149	22	25	time	time	NOUN
aijes-7149	22	26	.	.	PUNCT
aijes-7149	23	1	(	(	PUNCT
aijes-7149	23	2	ravi	ravi	NOUN
aijes-7149	23	3	,	,	PUNCT
aijes-7149	23	4	2021	2021	NUM
aijes-7149	23	5	)	)	PUNCT
aijes-7149	23	6	.	.	PUNCT
aijes-7149	24	1	one	one	NUM
aijes-7149	24	2	of	of	ADP
aijes-7149	24	3	the	the	DET
aijes-7149	24	4	main	main	ADJ
aijes-7149	24	5	benefits	benefit	NOUN
aijes-7149	24	6	of	of	ADP
aijes-7149	24	7	incremental	incremental	ADJ
aijes-7149	24	8	innovation	innovation	NOUN
aijes-7149	24	9	is	be	AUX
aijes-7149	24	10	the	the	DET
aijes-7149	24	11	ability	ability	NOUN
aijes-7149	24	12	to	to	PART
aijes-7149	24	13	facilitate	facilitate	VERB
aijes-7149	24	14	customer	customer	NOUN
aijes-7149	24	15	access	access	NOUN
aijes-7149	24	16	to	to	ADP
aijes-7149	24	17	banking	banking	NOUN
aijes-7149	24	18	services	service	NOUN
aijes-7149	24	19	and	and	CCONJ
aijes-7149	24	20	products	product	NOUN
aijes-7149	24	21	,	,	PUNCT
aijes-7149	24	22	meets	meet	VERB
aijes-7149	24	23	their	their	PRON
aijes-7149	24	24	needs	need	NOUN
aijes-7149	24	25	and	and	CCONJ
aijes-7149	24	26	increases	increase	VERB
aijes-7149	24	27	customer	customer	NOUN
aijes-7149	24	28	satisfaction	satisfaction	NOUN
aijes-7149	24	29	.	.	PUNCT
aijes-7149	25	1	from	from	ADP
aijes-7149	25	2	an	an	DET
aijes-7149	25	3	internal	internal	ADJ
aijes-7149	25	4	banking	banking	NOUN
aijes-7149	25	5	management	management	NOUN
aijes-7149	25	6	perspective	perspective	NOUN
aijes-7149	25	7	,	,	PUNCT
aijes-7149	25	8	incremental	incremental	ADJ
aijes-7149	25	9	innovation	innovation	NOUN
aijes-7149	25	10	automates	automate	VERB
aijes-7149	25	11	a	a	DET
aijes-7149	25	12	large	large	ADJ
aijes-7149	25	13	part	part	NOUN
aijes-7149	25	14	of	of	ADP
aijes-7149	25	15	banking	banking	NOUN
aijes-7149	25	16	tasks	task	NOUN
aijes-7149	25	17	,	,	PUNCT
aijes-7149	25	18	helps	help	VERB
aijes-7149	25	19	banks	bank	NOUN
aijes-7149	25	20	reduce	reduce	VERB
aijes-7149	25	21	operational	operational	ADJ
aijes-7149	25	22	costs	cost	NOUN
aijes-7149	25	23	and	and	CCONJ
aijes-7149	25	24	improve	improve	VERB
aijes-7149	25	25	management	management	NOUN
aijes-7149	25	26	processes	process	NOUN
aijes-7149	25	27	.	.	PUNCT
aijes-7149	26	1	the	the	DET
aijes-7149	26	2	main	main	ADJ
aijes-7149	26	3	purpose	purpose	NOUN
aijes-7149	26	4	of	of	ADP
aijes-7149	26	5	incremental	incremental	ADJ
aijes-7149	26	6	innovation	innovation	NOUN
aijes-7149	26	7	is	be	AUX
aijes-7149	26	8	to	to	PART
aijes-7149	26	9	enable	enable	VERB
aijes-7149	26	10	banks	bank	NOUN
aijes-7149	26	11	to	to	PART
aijes-7149	26	12	respond	respond	VERB
aijes-7149	26	13	immediately	immediately	ADV
aijes-7149	26	14	to	to	ADP
aijes-7149	26	15	new	new	ADJ
aijes-7149	26	16	emerging	emerge	VERB
aijes-7149	26	17	market	market	NOUN
aijes-7149	26	18	trends	trend	NOUN
aijes-7149	26	19	,	,	PUNCT
aijes-7149	26	20	meet	meet	VERB
aijes-7149	26	21	growing	grow	VERB
aijes-7149	26	22	customer	customer	NOUN
aijes-7149	26	23	needs	need	NOUN
aijes-7149	26	24	,	,	PUNCT
aijes-7149	26	25	maintain	maintain	VERB
aijes-7149	26	26	their	their	PRON
aijes-7149	26	27	competitiveness	competitiveness	NOUN
aijes-7149	26	28	and	and	CCONJ
aijes-7149	26	29	gain	gain	VERB
aijes-7149	26	30	a	a	DET
aijes-7149	26	31	technological	technological	ADJ
aijes-7149	26	32	advantage	advantage	NOUN
aijes-7149	26	33	over	over	ADP
aijes-7149	26	34	their	their	PRON
aijes-7149	26	35	competitors	competitor	NOUN
aijes-7149	26	36	in	in	ADP
aijes-7149	26	37	the	the	DET
aijes-7149	26	38	banking	banking	NOUN
aijes-7149	26	39	sector	sector	NOUN
aijes-7149	26	40	.	.	PUNCT
aijes-7149	27	1	mobile	mobile	ADJ
aijes-7149	27	2	banking	banking	NOUN
aijes-7149	27	3	applications	application	NOUN
aijes-7149	27	4	perfectly	perfectly	ADV
aijes-7149	27	5	illustrate	illustrate	VERB
aijes-7149	27	6	the	the	DET
aijes-7149	27	7	incremental	incremental	ADJ
aijes-7149	27	8	innovation	innovation	NOUN
aijes-7149	27	9	approach	approach	NOUN
aijes-7149	27	10	of	of	ADP
aijes-7149	27	11	banks	bank	NOUN
aijes-7149	27	12	.	.	PUNCT
aijes-7149	28	1	they	they	PRON
aijes-7149	28	2	regularly	regularly	ADV
aijes-7149	28	3	update	update	VERB
aijes-7149	28	4	banking	banking	NOUN
aijes-7149	28	5	apps	app	NOUN
aijes-7149	28	6	to	to	PART
aijes-7149	28	7	improve	improve	VERB
aijes-7149	28	8	performance	performance	NOUN
aijes-7149	28	9	,	,	PUNCT
aijes-7149	28	10	strengthen	strengthen	VERB
aijes-7149	28	11	security	security	NOUN
aijes-7149	28	12	methods	method	NOUN
aijes-7149	28	13	,	,	PUNCT
aijes-7149	28	14	add	add	VERB
aijes-7149	28	15	new	new	ADJ
aijes-7149	28	16	features	feature	NOUN
aijes-7149	28	17	and	and	CCONJ
aijes-7149	28	18	improve	improve	VERB
aijes-7149	28	19	the	the	DET
aijes-7149	28	20	interface	interface	NOUN
aijes-7149	28	21	to	to	PART
aijes-7149	28	22	make	make	VERB
aijes-7149	28	23	it	it	PRON
aijes-7149	28	24	more	more	ADJ
aijes-7149	28	25	user	user	NOUN
aijes-7149	28	26	-	-	PUNCT
aijes-7149	28	27	friendly	friendly	ADJ
aijes-7149	28	28	.	.	PUNCT
aijes-7149	29	1	(	(	PUNCT
aijes-7149	29	2	parameswar	parameswar	NOUN
aijes-7149	29	3	&	&	CCONJ
aijes-7149	29	4	dhir	dhir	ADJ
aijes-7149	29	5	,	,	PUNCT
aijes-7149	29	6	2023	2023	NUM
aijes-7149	29	7	)	)	PUNCT
aijes-7149	29	8	.	.	PUNCT
aijes-7149	30	1	while	while	SCONJ
aijes-7149	30	2	incremental	incremental	ADJ
aijes-7149	30	3	innovation	innovation	NOUN
aijes-7149	30	4	helps	help	VERB
aijes-7149	30	5	banks	bank	NOUN
aijes-7149	30	6	reduce	reduce	VERB
aijes-7149	30	7	costs	cost	NOUN
aijes-7149	30	8	and	and	CCONJ
aijes-7149	30	9	optimize	optimize	VERB
aijes-7149	30	10	operational	operational	ADJ
aijes-7149	30	11	efficiency	efficiency	NOUN
aijes-7149	30	12	,	,	PUNCT
aijes-7149	30	13	implementing	implement	VERB
aijes-7149	30	14	such	such	ADJ
aijes-7149	30	15	minor	minor	ADJ
aijes-7149	30	16	technological	technological	ADJ
aijes-7149	30	17	improvements	improvement	NOUN
aijes-7149	30	18	in	in	ADP
aijes-7149	30	19	banking	banking	NOUN
aijes-7149	30	20	management	management	NOUN
aijes-7149	30	21	and	and	CCONJ
aijes-7149	30	22	services	service	NOUN
aijes-7149	30	23	also	also	ADV
aijes-7149	30	24	requires	require	VERB
aijes-7149	30	25	financial	financial	ADJ
aijes-7149	30	26	investments	investment	NOUN
aijes-7149	30	27	.	.	PUNCT
aijes-7149	31	1	moreover	moreover	ADV
aijes-7149	31	2	,	,	PUNCT
aijes-7149	31	3	with	with	ADP
aijes-7149	31	4	the	the	DET
aijes-7149	31	5	constant	constant	ADJ
aijes-7149	31	6	growth	growth	NOUN
aijes-7149	31	7	of	of	ADP
aijes-7149	31	8	customer	customer	NOUN
aijes-7149	31	9	needs	need	NOUN
aijes-7149	31	10	and	and	CCONJ
aijes-7149	31	11	expectations	expectation	NOUN
aijes-7149	31	12	and	and	CCONJ
aijes-7149	31	13	the	the	DET
aijes-7149	31	14	rapid	rapid	ADJ
aijes-7149	31	15	evolution	evolution	NOUN
aijes-7149	31	16	of	of	ADP
aijes-7149	31	17	technological	technological	ADJ
aijes-7149	31	18	advancements	advancement	NOUN
aijes-7149	31	19	,	,	PUNCT
aijes-7149	31	20	incremental	incremental	ADJ
aijes-7149	31	21	improvements	improvement	NOUN
aijes-7149	31	22	alone	alone	ADV
aijes-7149	31	23	may	may	AUX
aijes-7149	31	24	not	not	PART
aijes-7149	31	25	always	always	ADV
aijes-7149	31	26	be	be	AUX
aijes-7149	31	27	sufficient	sufficient	ADJ
aijes-7149	31	28	.	.	PUNCT
aijes-7149	32	1	in	in	ADP
aijes-7149	32	2	such	such	ADJ
aijes-7149	32	3	cases	case	NOUN
aijes-7149	32	4	,	,	PUNCT
aijes-7149	32	5	banks	bank	NOUN
aijes-7149	32	6	need	need	VERB
aijes-7149	32	7	to	to	PART
aijes-7149	32	8	implement	implement	VERB
aijes-7149	32	9	more	more	ADV
aijes-7149	32	10	advanced	advanced	ADJ
aijes-7149	32	11	innovations	innovation	NOUN
aijes-7149	32	12	in	in	ADP
aijes-7149	32	13	order	order	NOUN
aijes-7149	32	14	to	to	PART
aijes-7149	32	15	achieve	achieve	VERB
aijes-7149	32	16	long	long	ADJ
aijes-7149	32	17	-	-	PUNCT
aijes-7149	32	18	term	term	NOUN
aijes-7149	32	19	profits	profit	NOUN
aijes-7149	32	20	.	.	PUNCT
aijes-7149	33	1	disruptive	disruptive	ADJ
aijes-7149	33	2	innovation	innovation	NOUN
aijes-7149	33	3	in	in	ADP
aijes-7149	33	4	banking	banking	NOUN
aijes-7149	33	5	services	service	NOUN
aijes-7149	33	6	disruptive	disruptive	ADJ
aijes-7149	33	7	innovation	innovation	NOUN
aijes-7149	33	8	fundamentally	fundamentally	ADV
aijes-7149	33	9	transforms	transform	VERB
aijes-7149	33	10	the	the	DET
aijes-7149	33	11	banking	banking	NOUN
aijes-7149	33	12	services	service	NOUN
aijes-7149	33	13	landscape	landscape	NOUN
aijes-7149	33	14	,	,	PUNCT
aijes-7149	33	15	brings	bring	VERB
aijes-7149	33	16	new	new	ADJ
aijes-7149	33	17	solutions	solution	NOUN
aijes-7149	33	18	to	to	ADP
aijes-7149	33	19	traditional	traditional	ADJ
aijes-7149	33	20	services	service	NOUN
aijes-7149	33	21	and	and	CCONJ
aijes-7149	33	22	drastically	drastically	ADV
aijes-7149	33	23	changes	change	VERB
aijes-7149	33	24	customer	customer	NOUN
aijes-7149	33	25	behavior	behavior	NOUN
aijes-7149	33	26	.	.	PUNCT
aijes-7149	34	1	it	it	PRON
aijes-7149	34	2	introduces	introduce	VERB
aijes-7149	34	3	new	new	ADJ
aijes-7149	34	4	banking	banking	NOUN
aijes-7149	34	5	services	service	NOUN
aijes-7149	34	6	and	and	CCONJ
aijes-7149	34	7	financial	financial	ADJ
aijes-7149	34	8	products	product	NOUN
aijes-7149	34	9	or	or	CCONJ
aijes-7149	34	10	creates	create	VERB
aijes-7149	34	11	cheaper	cheap	ADJ
aijes-7149	34	12	,	,	PUNCT
aijes-7149	34	13	simpler	simple	ADJ
aijes-7149	34	14	,	,	PUNCT
aijes-7149	34	15	and	and	CCONJ
aijes-7149	34	16	more	more	ADV
aijes-7149	34	17	accessible	accessible	ADJ
aijes-7149	34	18	alternatives	alternative	NOUN
aijes-7149	34	19	to	to	ADP
aijes-7149	34	20	existing	exist	VERB
aijes-7149	34	21	offerings	offering	NOUN
aijes-7149	34	22	.	.	PUNCT
aijes-7149	35	1	the	the	DET
aijes-7149	35	2	primary	primary	ADJ
aijes-7149	35	3	objective	objective	NOUN
aijes-7149	35	4	of	of	ADP
aijes-7149	35	5	disruptive	disruptive	ADJ
aijes-7149	35	6	innovation	innovation	NOUN
aijes-7149	35	7	is	be	AUX
aijes-7149	35	8	to	to	PART
aijes-7149	35	9	offer	offer	VERB
aijes-7149	35	10	banking	banking	NOUN
aijes-7149	35	11	services	service	NOUN
aijes-7149	35	12	and	and	CCONJ
aijes-7149	35	13	products	product	NOUN
aijes-7149	35	14	to	to	ADP
aijes-7149	35	15	underserved	underserved	ADJ
aijes-7149	35	16	markets	market	NOUN
aijes-7149	35	17	and	and	CCONJ
aijes-7149	35	18	people	people	NOUN
aijes-7149	35	19	who	who	PRON
aijes-7149	35	20	are	be	AUX
aijes-7149	35	21	unbanked	unbanked	ADJ
aijes-7149	35	22	or	or	CCONJ
aijes-7149	35	23	live	live	VERB
aijes-7149	35	24	in	in	ADP
aijes-7149	35	25	remote	remote	ADJ
aijes-7149	35	26	regions	region	NOUN
aijes-7149	35	27	and	and	CCONJ
aijes-7149	35	28	may	may	AUX
aijes-7149	35	29	not	not	PART
aijes-7149	35	30	have	have	VERB
aijes-7149	35	31	access	access	NOUN
aijes-7149	35	32	to	to	ADP
aijes-7149	35	33	conventional	conventional	ADJ
aijes-7149	35	34	financial	financial	ADJ
aijes-7149	35	35	services	service	NOUN
aijes-7149	35	36	.	.	PUNCT
aijes-7149	36	1	typically	typically	ADV
aijes-7149	36	2	,	,	PUNCT
aijes-7149	36	3	such	such	ADJ
aijes-7149	36	4	innovation	innovation	NOUN
aijes-7149	36	5	begins	begin	VERB
aijes-7149	36	6	with	with	ADP
aijes-7149	36	7	limited	limited	ADJ
aijes-7149	36	8	market	market	NOUN
aijes-7149	36	9	adoption	adoption	NOUN
aijes-7149	36	10	and	and	CCONJ
aijes-7149	36	11	offers	offer	VERB
aijes-7149	36	12	fewer	few	ADJ
aijes-7149	36	13	features	feature	NOUN
aijes-7149	36	14	compared	compare	VERB
aijes-7149	36	15	to	to	ADP
aijes-7149	36	16	existing	exist	VERB
aijes-7149	36	17	services	service	NOUN
aijes-7149	36	18	.	.	PUNCT
aijes-7149	37	1	however	however	ADV
aijes-7149	37	2	,	,	PUNCT
aijes-7149	37	3	over	over	ADP
aijes-7149	37	4	time	time	NOUN
aijes-7149	37	5	,	,	PUNCT
aijes-7149	37	6	it	it	PRON
aijes-7149	37	7	gradually	gradually	ADV
aijes-7149	37	8	expands	expand	VERB
aijes-7149	37	9	its	its	PRON
aijes-7149	37	10	offering	offering	NOUN
aijes-7149	37	11	,	,	PUNCT
aijes-7149	37	12	demonstrates	demonstrate	VERB
aijes-7149	37	13	its	its	PRON
aijes-7149	37	14	value	value	NOUN
aijes-7149	37	15	,	,	PUNCT
aijes-7149	37	16	and	and	CCONJ
aijes-7149	37	17	attracts	attract	VERB
aijes-7149	37	18	new	new	ADJ
aijes-7149	37	19	customers	customer	NOUN
aijes-7149	37	20	.	.	PUNCT
aijes-7149	38	1	as	as	ADP
aijes-7149	38	2	customer	customer	NOUN
aijes-7149	38	3	acceptance	acceptance	NOUN
aijes-7149	38	4	of	of	ADP
aijes-7149	38	5	disruptive	disruptive	ADJ
aijes-7149	38	6	innovation	innovation	NOUN
aijes-7149	38	7	increases	increase	NOUN
aijes-7149	38	8	and	and	CCONJ
aijes-7149	38	9	it	it	PRON
aijes-7149	38	10	gains	gain	VERB
aijes-7149	38	11	traction	traction	NOUN
aijes-7149	38	12	in	in	ADP
aijes-7149	38	13	the	the	DET
aijes-7149	38	14	market	market	NOUN
aijes-7149	38	15	,	,	PUNCT
aijes-7149	38	16	innovation	innovation	NOUN
aijes-7149	38	17	begins	begin	VERB
aijes-7149	38	18	to	to	PART
aijes-7149	38	19	disrupt	disrupt	VERB
aijes-7149	38	20	traditional	traditional	ADJ
aijes-7149	38	21	banking	banking	NOUN
aijes-7149	38	22	business	business	NOUN
aijes-7149	38	23	models	model	NOUN
aijes-7149	38	24	in	in	ADP
aijes-7149	38	25	the	the	DET
aijes-7149	38	26	banking	banking	NOUN
aijes-7149	38	27	sector	sector	NOUN
aijes-7149	38	28	and	and	CCONJ
aijes-7149	38	29	challenge	challenge	VERB
aijes-7149	38	30	the	the	DET
aijes-7149	38	31	dominance	dominance	NOUN
aijes-7149	38	32	of	of	ADP
aijes-7149	38	33	banking	banking	NOUN
aijes-7149	38	34	institutions	institution	NOUN
aijes-7149	38	35	.	.	PUNCT
aijes-7149	39	1	fundamentals	fundamental	NOUN
aijes-7149	39	2	of	of	ADP
aijes-7149	39	3	innovation	innovation	NOUN
aijes-7149	39	4	in	in	ADP
aijes-7149	39	5	modern	modern	ADJ
aijes-7149	39	6	banking	banking	NOUN
aijes-7149	39	7	services	service	NOUN
aijes-7149	39	8	156	156	NUM
aijes-7149	39	9	neobanks	neobank	NOUN
aijes-7149	39	10	are	be	AUX
aijes-7149	39	11	a	a	DET
aijes-7149	39	12	classic	classic	ADJ
aijes-7149	39	13	example	example	NOUN
aijes-7149	39	14	of	of	ADP
aijes-7149	39	15	disruptive	disruptive	ADJ
aijes-7149	39	16	innovation	innovation	NOUN
aijes-7149	39	17	.	.	PUNCT
aijes-7149	40	1	these	these	DET
aijes-7149	40	2	digital	digital	ADJ
aijes-7149	40	3	financial	financial	ADJ
aijes-7149	40	4	institutions	institution	NOUN
aijes-7149	40	5	allow	allow	VERB
aijes-7149	40	6	customers	customer	NOUN
aijes-7149	40	7	to	to	PART
aijes-7149	40	8	use	use	VERB
aijes-7149	40	9	banking	banking	NOUN
aijes-7149	40	10	services	service	NOUN
aijes-7149	40	11	completely	completely	ADV
aijes-7149	40	12	online	online	ADV
aijes-7149	40	13	,	,	PUNCT
aijes-7149	40	14	without	without	ADP
aijes-7149	40	15	visiting	visit	VERB
aijes-7149	40	16	a	a	DET
aijes-7149	40	17	bank	bank	NOUN
aijes-7149	40	18	branch	branch	NOUN
aijes-7149	40	19	.	.	PUNCT
aijes-7149	41	1	unlike	unlike	ADP
aijes-7149	41	2	traditional	traditional	ADJ
aijes-7149	41	3	institutions	institution	NOUN
aijes-7149	41	4	,	,	PUNCT
aijes-7149	41	5	neobanks	neobank	NOUN
aijes-7149	41	6	operate	operate	VERB
aijes-7149	41	7	only	only	ADV
aijes-7149	41	8	in	in	ADP
aijes-7149	41	9	digital	digital	ADJ
aijes-7149	41	10	format	format	NOUN
aijes-7149	41	11	,	,	PUNCT
aijes-7149	41	12	without	without	ADP
aijes-7149	41	13	specific	specific	ADJ
aijes-7149	41	14	infrastructure	infrastructure	NOUN
aijes-7149	41	15	or	or	CCONJ
aijes-7149	41	16	branches	branch	NOUN
aijes-7149	41	17	.	.	PUNCT
aijes-7149	42	1	by	by	ADP
aijes-7149	42	2	minimizing	minimize	VERB
aijes-7149	42	3	overhead	overhead	ADJ
aijes-7149	42	4	expenses	expense	NOUN
aijes-7149	42	5	,	,	PUNCT
aijes-7149	42	6	they	they	PRON
aijes-7149	42	7	offer	offer	VERB
aijes-7149	42	8	digital	digital	ADJ
aijes-7149	42	9	banking	banking	NOUN
aijes-7149	42	10	services	service	NOUN
aijes-7149	42	11	with	with	ADP
aijes-7149	42	12	lower	low	ADJ
aijes-7149	42	13	rates	rate	NOUN
aijes-7149	42	14	than	than	ADP
aijes-7149	42	15	traditional	traditional	ADJ
aijes-7149	42	16	banking	banking	NOUN
aijes-7149	42	17	services	service	NOUN
aijes-7149	42	18	.	.	PUNCT
aijes-7149	43	1	(	(	PUNCT
aijes-7149	43	2	world	world	PROPN
aijes-7149	43	3	bank	bank	PROPN
aijes-7149	43	4	,	,	PUNCT
aijes-7149	43	5	2023	2023	NUM
aijes-7149	43	6	)	)	PUNCT
aijes-7149	43	7	.	.	PUNCT
aijes-7149	44	1	peer	peer	NOUN
aijes-7149	44	2	-	-	PUNCT
aijes-7149	44	3	to	to	ADP
aijes-7149	44	4	-	-	PUNCT
aijes-7149	44	5	peer	peer	NOUN
aijes-7149	44	6	(	(	PUNCT
aijes-7149	44	7	p2p	p2p	NOUN
aijes-7149	44	8	)	)	PUNCT
aijes-7149	44	9	lending	lending	NOUN
aijes-7149	44	10	platforms	platform	NOUN
aijes-7149	44	11	are	be	AUX
aijes-7149	44	12	another	another	DET
aijes-7149	44	13	example	example	NOUN
aijes-7149	44	14	of	of	ADP
aijes-7149	44	15	disruptive	disruptive	ADJ
aijes-7149	44	16	innovation	innovation	NOUN
aijes-7149	44	17	.	.	PUNCT
aijes-7149	45	1	these	these	DET
aijes-7149	45	2	platforms	platform	NOUN
aijes-7149	45	3	offer	offer	VERB
aijes-7149	45	4	direct	direct	ADJ
aijes-7149	45	5	lending	lending	NOUN
aijes-7149	45	6	and	and	CCONJ
aijes-7149	45	7	borrowing	borrowing	NOUN
aijes-7149	45	8	services	service	NOUN
aijes-7149	45	9	to	to	ADP
aijes-7149	45	10	customers	customer	NOUN
aijes-7149	45	11	and	and	CCONJ
aijes-7149	45	12	disrupt	disrupt	VERB
aijes-7149	45	13	traditional	traditional	ADJ
aijes-7149	45	14	banking	banking	NOUN
aijes-7149	45	15	models	model	NOUN
aijes-7149	45	16	in	in	ADP
aijes-7149	45	17	two	two	NUM
aijes-7149	45	18	ways	way	NOUN
aijes-7149	45	19	:	:	PUNCT
aijes-7149	45	20	by	by	ADP
aijes-7149	45	21	removing	remove	VERB
aijes-7149	45	22	intermediaries	intermediary	NOUN
aijes-7149	45	23	(	(	PUNCT
aijes-7149	45	24	banks	bank	NOUN
aijes-7149	45	25	)	)	PUNCT
aijes-7149	45	26	between	between	ADP
aijes-7149	45	27	individuals	individual	NOUN
aijes-7149	45	28	,	,	PUNCT
aijes-7149	45	29	p2p	p2p	NOUN
aijes-7149	45	30	platforms	platform	NOUN
aijes-7149	45	31	offer	offer	VERB
aijes-7149	45	32	more	more	ADV
aijes-7149	45	33	favorable	favorable	ADJ
aijes-7149	45	34	interest	interest	NOUN
aijes-7149	45	35	rates	rate	NOUN
aijes-7149	45	36	for	for	ADP
aijes-7149	45	37	both	both	DET
aijes-7149	45	38	lenders	lender	NOUN
aijes-7149	45	39	and	and	CCONJ
aijes-7149	45	40	borrowers	borrower	NOUN
aijes-7149	45	41	.	.	PUNCT
aijes-7149	46	1	secondly	secondly	ADV
aijes-7149	46	2	,	,	PUNCT
aijes-7149	46	3	these	these	DET
aijes-7149	46	4	platforms	platform	NOUN
aijes-7149	46	5	facilitate	facilitate	VERB
aijes-7149	46	6	access	access	NOUN
aijes-7149	46	7	to	to	ADP
aijes-7149	46	8	credit	credit	NOUN
aijes-7149	46	9	for	for	ADP
aijes-7149	46	10	people	people	NOUN
aijes-7149	46	11	who	who	PRON
aijes-7149	46	12	are	be	AUX
aijes-7149	46	13	not	not	PART
aijes-7149	46	14	eligible	eligible	ADJ
aijes-7149	46	15	for	for	ADP
aijes-7149	46	16	bank	bank	NOUN
aijes-7149	46	17	loans	loan	NOUN
aijes-7149	46	18	.	.	PUNCT
aijes-7149	47	1	despite	despite	SCONJ
aijes-7149	47	2	its	its	PRON
aijes-7149	47	3	countless	countless	ADJ
aijes-7149	47	4	advantages	advantage	NOUN
aijes-7149	47	5	,	,	PUNCT
aijes-7149	47	6	disruptive	disruptive	ADJ
aijes-7149	47	7	innovation	innovation	NOUN
aijes-7149	47	8	also	also	ADV
aijes-7149	47	9	carries	carry	VERB
aijes-7149	47	10	several	several	ADJ
aijes-7149	47	11	risks	risk	NOUN
aijes-7149	47	12	.	.	PUNCT
aijes-7149	48	1	although	although	SCONJ
aijes-7149	48	2	it	it	PRON
aijes-7149	48	3	aims	aim	VERB
aijes-7149	48	4	to	to	PART
aijes-7149	48	5	offer	offer	VERB
aijes-7149	48	6	more	more	ADJ
aijes-7149	48	7	innovative	innovative	ADJ
aijes-7149	48	8	services	service	NOUN
aijes-7149	48	9	,	,	PUNCT
aijes-7149	48	10	customers	customer	NOUN
aijes-7149	48	11	accustomed	accustom	VERB
aijes-7149	48	12	to	to	ADP
aijes-7149	48	13	traditional	traditional	ADJ
aijes-7149	48	14	banking	banking	NOUN
aijes-7149	48	15	services	service	NOUN
aijes-7149	48	16	may	may	AUX
aijes-7149	48	17	refuse	refuse	VERB
aijes-7149	48	18	to	to	PART
aijes-7149	48	19	adopt	adopt	VERB
aijes-7149	48	20	new	new	ADJ
aijes-7149	48	21	and	and	CCONJ
aijes-7149	48	22	unfamiliar	unfamiliar	ADJ
aijes-7149	48	23	services	service	NOUN
aijes-7149	48	24	.	.	PUNCT
aijes-7149	49	1	developing	develop	VERB
aijes-7149	49	2	such	such	ADJ
aijes-7149	49	3	innovative	innovative	ADJ
aijes-7149	49	4	services	service	NOUN
aijes-7149	49	5	and	and	CCONJ
aijes-7149	49	6	products	product	NOUN
aijes-7149	49	7	also	also	ADV
aijes-7149	49	8	requires	require	VERB
aijes-7149	49	9	considerable	considerable	ADJ
aijes-7149	49	10	financial	financial	ADJ
aijes-7149	49	11	investment	investment	NOUN
aijes-7149	49	12	.	.	PUNCT
aijes-7149	50	1	project	project	NOUN
aijes-7149	50	2	failure	failure	NOUN
aijes-7149	50	3	can	can	AUX
aijes-7149	50	4	result	result	VERB
aijes-7149	50	5	in	in	ADP
aijes-7149	50	6	heavy	heavy	ADJ
aijes-7149	50	7	financial	financial	ADJ
aijes-7149	50	8	losses	loss	NOUN
aijes-7149	50	9	for	for	ADP
aijes-7149	50	10	the	the	DET
aijes-7149	50	11	organization	organization	NOUN
aijes-7149	50	12	.	.	PUNCT
aijes-7149	51	1	(	(	PUNCT
aijes-7149	51	2	sharma	sharma	PROPN
aijes-7149	51	3	,	,	PUNCT
aijes-7149	51	4	2022	2022	NUM
aijes-7149	51	5	)	)	PUNCT
aijes-7149	51	6	.	.	PUNCT
aijes-7149	52	1	additionally	additionally	ADV
aijes-7149	52	2	,	,	PUNCT
aijes-7149	52	3	newly	newly	ADV
aijes-7149	52	4	developed	develop	VERB
aijes-7149	52	5	services	service	NOUN
aijes-7149	52	6	may	may	AUX
aijes-7149	52	7	present	present	VERB
aijes-7149	52	8	security	security	NOUN
aijes-7149	52	9	and	and	CCONJ
aijes-7149	52	10	regulatory	regulatory	ADJ
aijes-7149	52	11	issues	issue	NOUN
aijes-7149	52	12	that	that	PRON
aijes-7149	52	13	require	require	VERB
aijes-7149	52	14	special	special	ADJ
aijes-7149	52	15	attention	attention	NOUN
aijes-7149	52	16	from	from	ADP
aijes-7149	52	17	service	service	NOUN
aijes-7149	52	18	providers	provider	NOUN
aijes-7149	52	19	.	.	PUNCT
aijes-7149	53	1	substantive	substantive	ADJ
aijes-7149	53	2	innovation	innovation	NOUN
aijes-7149	53	3	in	in	ADP
aijes-7149	53	4	banking	banking	NOUN
aijes-7149	53	5	services	service	NOUN
aijes-7149	53	6	substantive	substantive	ADJ
aijes-7149	53	7	innovation	innovation	NOUN
aijes-7149	53	8	involves	involve	VERB
aijes-7149	53	9	making	make	VERB
aijes-7149	53	10	major	major	ADJ
aijes-7149	53	11	changes	change	NOUN
aijes-7149	53	12	or	or	CCONJ
aijes-7149	53	13	improvements	improvement	NOUN
aijes-7149	53	14	to	to	ADP
aijes-7149	53	15	existing	exist	VERB
aijes-7149	53	16	banking	banking	NOUN
aijes-7149	53	17	services	service	NOUN
aijes-7149	53	18	,	,	PUNCT
aijes-7149	53	19	products	product	NOUN
aijes-7149	53	20	,	,	PUNCT
aijes-7149	53	21	management	management	NOUN
aijes-7149	53	22	processes	process	NOUN
aijes-7149	53	23	and	and	CCONJ
aijes-7149	53	24	banking	banking	NOUN
aijes-7149	53	25	business	business	NOUN
aijes-7149	53	26	models	model	NOUN
aijes-7149	53	27	to	to	PART
aijes-7149	53	28	significantly	significantly	ADV
aijes-7149	53	29	improve	improve	VERB
aijes-7149	53	30	productivity	productivity	NOUN
aijes-7149	53	31	,	,	PUNCT
aijes-7149	53	32	efficiency	efficiency	NOUN
aijes-7149	53	33	and	and	CCONJ
aijes-7149	53	34	effectiveness	effectiveness	NOUN
aijes-7149	53	35	.	.	PUNCT
aijes-7149	54	1	this	this	DET
aijes-7149	54	2	type	type	NOUN
aijes-7149	54	3	of	of	ADP
aijes-7149	54	4	innovation	innovation	NOUN
aijes-7149	54	5	falls	fall	VERB
aijes-7149	54	6	somewhere	somewhere	ADV
aijes-7149	54	7	between	between	ADP
aijes-7149	54	8	incremental	incremental	ADJ
aijes-7149	54	9	and	and	CCONJ
aijes-7149	54	10	disruptive	disruptive	ADJ
aijes-7149	54	11	innovation	innovation	NOUN
aijes-7149	54	12	.	.	PUNCT
aijes-7149	55	1	substantive	substantive	ADJ
aijes-7149	55	2	innovation	innovation	NOUN
aijes-7149	55	3	does	do	AUX
aijes-7149	55	4	not	not	PART
aijes-7149	55	5	completely	completely	ADV
aijes-7149	55	6	disrupt	disrupt	VERB
aijes-7149	55	7	existing	exist	VERB
aijes-7149	55	8	business	business	NOUN
aijes-7149	55	9	models	model	NOUN
aijes-7149	55	10	,	,	PUNCT
aijes-7149	55	11	but	but	CCONJ
aijes-7149	55	12	it	it	PRON
aijes-7149	55	13	brings	bring	VERB
aijes-7149	55	14	more	more	ADV
aijes-7149	55	15	significant	significant	ADJ
aijes-7149	55	16	improvements	improvement	NOUN
aijes-7149	55	17	than	than	ADP
aijes-7149	55	18	incremental	incremental	ADJ
aijes-7149	55	19	innovation	innovation	NOUN
aijes-7149	55	20	and	and	CCONJ
aijes-7149	55	21	exerts	exert	VERB
aijes-7149	55	22	a	a	DET
aijes-7149	55	23	stronger	strong	ADJ
aijes-7149	55	24	impact	impact	NOUN
aijes-7149	55	25	on	on	ADP
aijes-7149	55	26	the	the	DET
aijes-7149	55	27	banking	banking	NOUN
aijes-7149	55	28	sector	sector	NOUN
aijes-7149	55	29	.	.	PUNCT
aijes-7149	56	1	(	(	PUNCT
aijes-7149	56	2	kittiwat	kittiwat	NOUN
aijes-7149	56	3	,	,	PUNCT
aijes-7149	56	4	2023	2023	NUM
aijes-7149	56	5	)	)	PUNCT
aijes-7149	56	6	.	.	PUNCT
aijes-7149	57	1	substantive	substantive	ADJ
aijes-7149	57	2	innovation	innovation	NOUN
aijes-7149	57	3	often	often	ADV
aijes-7149	57	4	introduces	introduce	VERB
aijes-7149	57	5	new	new	ADJ
aijes-7149	57	6	services	service	NOUN
aijes-7149	57	7	,	,	PUNCT
aijes-7149	57	8	products	product	NOUN
aijes-7149	57	9	,	,	PUNCT
aijes-7149	57	10	technologies	technology	NOUN
aijes-7149	57	11	or	or	CCONJ
aijes-7149	57	12	systems	system	NOUN
aijes-7149	57	13	that	that	PRON
aijes-7149	57	14	improve	improve	VERB
aijes-7149	57	15	the	the	DET
aijes-7149	57	16	functionality	functionality	NOUN
aijes-7149	57	17	and	and	CCONJ
aijes-7149	57	18	efficiency	efficiency	NOUN
aijes-7149	57	19	of	of	ADP
aijes-7149	57	20	banking	banking	NOUN
aijes-7149	57	21	operations	operation	NOUN
aijes-7149	57	22	,	,	PUNCT
aijes-7149	57	23	meets	meet	VERB
aijes-7149	57	24	new	new	ADJ
aijes-7149	57	25	customer	customer	NOUN
aijes-7149	57	26	expectations	expectation	NOUN
aijes-7149	57	27	and	and	CCONJ
aijes-7149	57	28	brings	bring	VERB
aijes-7149	57	29	additional	additional	ADJ
aijes-7149	57	30	value	value	NOUN
aijes-7149	57	31	to	to	ADP
aijes-7149	57	32	the	the	DET
aijes-7149	57	33	overall	overall	ADJ
aijes-7149	57	34	banking	banking	NOUN
aijes-7149	57	35	experience	experience	NOUN
aijes-7149	57	36	.	.	PUNCT
aijes-7149	58	1	it	it	PRON
aijes-7149	58	2	sometimes	sometimes	ADV
aijes-7149	58	3	relies	rely	VERB
aijes-7149	58	4	on	on	ADP
aijes-7149	58	5	customer	customer	NOUN
aijes-7149	58	6	feedback	feedback	NOUN
aijes-7149	58	7	to	to	PART
aijes-7149	58	8	improve	improve	VERB
aijes-7149	58	9	banking	banking	NOUN
aijes-7149	58	10	services	service	NOUN
aijes-7149	58	11	and	and	CCONJ
aijes-7149	58	12	products	product	NOUN
aijes-7149	58	13	or	or	CCONJ
aijes-7149	58	14	find	find	VERB
aijes-7149	58	15	solutions	solution	NOUN
aijes-7149	58	16	to	to	PART
aijes-7149	58	17	previously	previously	ADV
aijes-7149	58	18	unmet	unmet	NOUN
aijes-7149	58	19	needs	need	NOUN
aijes-7149	58	20	.	.	PUNCT
aijes-7149	59	1	one	one	NUM
aijes-7149	59	2	of	of	ADP
aijes-7149	59	3	the	the	DET
aijes-7149	59	4	most	most	ADV
aijes-7149	59	5	shining	shine	VERB
aijes-7149	59	6	examples	example	NOUN
aijes-7149	59	7	of	of	ADP
aijes-7149	59	8	substantial	substantial	ADJ
aijes-7149	59	9	innovation	innovation	NOUN
aijes-7149	59	10	is	be	AUX
aijes-7149	59	11	the	the	DET
aijes-7149	59	12	integration	integration	NOUN
aijes-7149	59	13	of	of	ADP
aijes-7149	59	14	artificial	artificial	ADJ
aijes-7149	59	15	intelligence	intelligence	NOUN
aijes-7149	59	16	(	(	PUNCT
aijes-7149	59	17	ai	ai	NOUN
aijes-7149	59	18	)	)	PUNCT
aijes-7149	59	19	technologies	technology	NOUN
aijes-7149	59	20	in	in	ADP
aijes-7149	59	21	the	the	DET
aijes-7149	59	22	banking	banking	NOUN
aijes-7149	59	23	.	.	PUNCT
aijes-7149	60	1	these	these	DET
aijes-7149	60	2	technologies	technology	NOUN
aijes-7149	60	3	enable	enable	VERB
aijes-7149	60	4	banks	bank	NOUN
aijes-7149	60	5	to	to	PART
aijes-7149	60	6	predict	predict	VERB
aijes-7149	60	7	potential	potential	ADJ
aijes-7149	60	8	risks	risk	NOUN
aijes-7149	60	9	and	and	CCONJ
aijes-7149	60	10	identify	identify	VERB
aijes-7149	60	11	signs	sign	NOUN
aijes-7149	60	12	of	of	ADP
aijes-7149	60	13	fraud	fraud	NOUN
aijes-7149	60	14	and	and	CCONJ
aijes-7149	60	15	suspicious	suspicious	ADJ
aijes-7149	60	16	transactions	transaction	NOUN
aijes-7149	60	17	.	.	PUNCT
aijes-7149	61	1	ai	ai	VERB
aijes-7149	61	2	-	-	PUNCT
aijes-7149	61	3	powered	power	VERB
aijes-7149	61	4	programs	program	NOUN
aijes-7149	61	5	help	help	VERB
aijes-7149	61	6	banks	bank	NOUN
aijes-7149	61	7	analyze	analyze	VERB
aijes-7149	61	8	large	large	ADJ
aijes-7149	61	9	volumes	volume	NOUN
aijes-7149	61	10	of	of	ADP
aijes-7149	61	11	data	datum	NOUN
aijes-7149	61	12	in	in	ADP
aijes-7149	61	13	a	a	DET
aijes-7149	61	14	short	short	ADJ
aijes-7149	61	15	time	time	NOUN
aijes-7149	61	16	and	and	CCONJ
aijes-7149	61	17	speed	speed	VERB
aijes-7149	61	18	up	up	ADP
aijes-7149	61	19	the	the	DET
aijes-7149	61	20	decision	decision	NOUN
aijes-7149	61	21	making	make	VERB
aijes-7149	61	22	process	process	NOUN
aijes-7149	61	23	.	.	PUNCT
aijes-7149	62	1	(	(	PUNCT
aijes-7149	62	2	world	world	PROPN
aijes-7149	62	3	bank	bank	PROPN
aijes-7149	62	4	,	,	PUNCT
aijes-7149	62	5	2023	2023	NUM
aijes-7149	62	6	)	)	PUNCT
aijes-7149	62	7	.	.	PUNCT
aijes-7149	63	1	open	open	ADJ
aijes-7149	63	2	banking	banking	NOUN
aijes-7149	63	3	is	be	AUX
aijes-7149	63	4	another	another	DET
aijes-7149	63	5	example	example	NOUN
aijes-7149	63	6	of	of	ADP
aijes-7149	63	7	substantial	substantial	ADJ
aijes-7149	63	8	innovation	innovation	NOUN
aijes-7149	63	9	,	,	PUNCT
aijes-7149	63	10	which	which	PRON
aijes-7149	63	11	is	be	AUX
aijes-7149	63	12	reshaping	reshape	VERB
aijes-7149	63	13	the	the	DET
aijes-7149	63	14	relationship	relationship	NOUN
aijes-7149	63	15	between	between	ADP
aijes-7149	63	16	banks	bank	NOUN
aijes-7149	63	17	,	,	PUNCT
aijes-7149	63	18	customers	customer	NOUN
aijes-7149	63	19	and	and	CCONJ
aijes-7149	63	20	third	third	ADJ
aijes-7149	63	21	-	-	PUNCT
aijes-7149	63	22	party	party	NOUN
aijes-7149	63	23	service	service	NOUN
aijes-7149	63	24	providers	provider	NOUN
aijes-7149	63	25	.	.	PUNCT
aijes-7149	64	1	thanks	thank	NOUN
aijes-7149	64	2	to	to	ADP
aijes-7149	64	3	this	this	DET
aijes-7149	64	4	technological	technological	ADJ
aijes-7149	64	5	innovation	innovation	NOUN
aijes-7149	64	6	,	,	PUNCT
aijes-7149	64	7	banks	bank	NOUN
aijes-7149	64	8	securely	securely	ADV
aijes-7149	64	9	share	share	VERB
aijes-7149	64	10	their	their	PRON
aijes-7149	64	11	customers	customer	NOUN
aijes-7149	64	12	'	'	PART
aijes-7149	64	13	data	datum	NOUN
aijes-7149	64	14	(	(	PUNCT
aijes-7149	64	15	with	with	ADP
aijes-7149	64	16	their	their	PRON
aijes-7149	64	17	consent	consent	NOUN
aijes-7149	64	18	)	)	PUNCT
aijes-7149	64	19	with	with	ADP
aijes-7149	64	20	third	third	ADJ
aijes-7149	64	21	-	-	PUNCT
aijes-7149	64	22	party	party	NOUN
aijes-7149	64	23	service	service	NOUN
aijes-7149	64	24	providers	provider	NOUN
aijes-7149	64	25	and	and	CCONJ
aijes-7149	64	26	enable	enable	VERB
aijes-7149	64	27	them	they	PRON
aijes-7149	64	28	to	to	PART
aijes-7149	64	29	create	create	VERB
aijes-7149	64	30	new	new	ADJ
aijes-7149	64	31	banking	banking	NOUN
aijes-7149	64	32	services	service	NOUN
aijes-7149	64	33	and	and	CCONJ
aijes-7149	64	34	financial	financial	ADJ
aijes-7149	64	35	products	product	NOUN
aijes-7149	64	36	.	.	PUNCT
aijes-7149	65	1	these	these	DET
aijes-7149	65	2	platforms	platform	NOUN
aijes-7149	65	3	then	then	ADV
aijes-7149	65	4	allow	allow	VERB
aijes-7149	65	5	customers	customer	NOUN
aijes-7149	65	6	to	to	PART
aijes-7149	65	7	access	access	VERB
aijes-7149	65	8	a	a	DET
aijes-7149	65	9	wider	wide	ADJ
aijes-7149	65	10	range	range	NOUN
aijes-7149	65	11	of	of	ADP
aijes-7149	65	12	financial	financial	ADJ
aijes-7149	65	13	services	service	NOUN
aijes-7149	65	14	than	than	ADP
aijes-7149	65	15	those	those	PRON
aijes-7149	65	16	offered	offer	VERB
aijes-7149	65	17	by	by	ADP
aijes-7149	65	18	banks	bank	NOUN
aijes-7149	65	19	.	.	PUNCT
aijes-7149	66	1	(	(	PUNCT
aijes-7149	66	2	arnaboldi	arnaboldi	ADJ
aijes-7149	66	3	,	,	PUNCT
aijes-7149	66	4	2021	2021	NUM
aijes-7149	66	5	)	)	PUNCT
aijes-7149	66	6	.	.	PUNCT
aijes-7149	67	1	substantive	substantive	ADJ
aijes-7149	67	2	innovation	innovation	NOUN
aijes-7149	67	3	is	be	AUX
aijes-7149	67	4	characterized	characterize	VERB
aijes-7149	67	5	by	by	ADP
aijes-7149	67	6	a	a	DET
aijes-7149	67	7	deeper	deep	ADJ
aijes-7149	67	8	and	and	CCONJ
aijes-7149	67	9	broader	broad	ADJ
aijes-7149	67	10	transformative	transformative	ADJ
aijes-7149	67	11	impact	impact	NOUN
aijes-7149	67	12	on	on	ADP
aijes-7149	67	13	banking	banking	NOUN
aijes-7149	67	14	services	service	NOUN
aijes-7149	67	15	,	,	PUNCT
aijes-7149	67	16	products	product	NOUN
aijes-7149	67	17	,	,	PUNCT
aijes-7149	67	18	or	or	CCONJ
aijes-7149	67	19	management	management	NOUN
aijes-7149	67	20	.	.	PUNCT
aijes-7149	68	1	the	the	DET
aijes-7149	68	2	development	development	NOUN
aijes-7149	68	3	of	of	ADP
aijes-7149	68	4	such	such	ADJ
aijes-7149	68	5	innovation	innovation	NOUN
aijes-7149	68	6	takes	take	VERB
aijes-7149	68	7	nizami	nizami	PROPN
aijes-7149	68	8	khudiyev	khudiyev	PROPN
aijes-7149	68	9	,	,	PUNCT
aijes-7149	68	10	ragib	ragib	PROPN
aijes-7149	68	11	mammadli	mammadli	NOUN
aijes-7149	68	12	157	157	NUM
aijes-7149	68	13	considerable	considerable	ADJ
aijes-7149	68	14	time	time	NOUN
aijes-7149	68	15	and	and	CCONJ
aijes-7149	68	16	requires	require	VERB
aijes-7149	68	17	significant	significant	ADJ
aijes-7149	68	18	financial	financial	ADJ
aijes-7149	68	19	resources	resource	NOUN
aijes-7149	68	20	,	,	PUNCT
aijes-7149	68	21	but	but	CCONJ
aijes-7149	68	22	once	once	ADV
aijes-7149	68	23	introduced	introduce	VERB
aijes-7149	68	24	,	,	PUNCT
aijes-7149	68	25	it	it	PRON
aijes-7149	68	26	ensures	ensure	VERB
aijes-7149	68	27	long	long	ADJ
aijes-7149	68	28	-	-	PUNCT
aijes-7149	68	29	term	term	NOUN
aijes-7149	68	30	benefits	benefit	NOUN
aijes-7149	68	31	and	and	CCONJ
aijes-7149	68	32	efficiency	efficiency	NOUN
aijes-7149	68	33	for	for	ADP
aijes-7149	68	34	banks	bank	NOUN
aijes-7149	68	35	.	.	PUNCT
aijes-7149	69	1	after	after	ADP
aijes-7149	69	2	the	the	DET
aijes-7149	69	3	introduction	introduction	NOUN
aijes-7149	69	4	,	,	PUNCT
aijes-7149	69	5	it	it	PRON
aijes-7149	69	6	is	be	AUX
aijes-7149	69	7	also	also	ADV
aijes-7149	69	8	necessary	necessary	ADJ
aijes-7149	69	9	to	to	PART
aijes-7149	69	10	train	train	VERB
aijes-7149	69	11	the	the	DET
aijes-7149	69	12	bank	bank	NOUN
aijes-7149	69	13	staff	staff	NOUN
aijes-7149	69	14	,	,	PUNCT
aijes-7149	69	15	to	to	PART
aijes-7149	69	16	teach	teach	VERB
aijes-7149	69	17	them	they	PRON
aijes-7149	69	18	how	how	SCONJ
aijes-7149	69	19	to	to	PART
aijes-7149	69	20	use	use	VERB
aijes-7149	69	21	the	the	DET
aijes-7149	69	22	new	new	ADJ
aijes-7149	69	23	technological	technological	ADJ
aijes-7149	69	24	advances	advance	NOUN
aijes-7149	69	25	correctly	correctly	ADV
aijes-7149	69	26	.	.	PUNCT
aijes-7149	70	1	to	to	PART
aijes-7149	70	2	develop	develop	VERB
aijes-7149	70	3	a	a	DET
aijes-7149	70	4	substantial	substantial	ADJ
aijes-7149	70	5	innovation	innovation	NOUN
aijes-7149	70	6	,	,	PUNCT
aijes-7149	70	7	banks	bank	NOUN
aijes-7149	70	8	typically	typically	ADV
aijes-7149	70	9	collaborate	collaborate	VERB
aijes-7149	70	10	with	with	ADP
aijes-7149	70	11	other	other	ADJ
aijes-7149	70	12	banks	bank	NOUN
aijes-7149	70	13	and	and	CCONJ
aijes-7149	70	14	financial	financial	ADJ
aijes-7149	70	15	institutions	institution	NOUN
aijes-7149	70	16	.	.	PUNCT
aijes-7149	71	1	by	by	ADP
aijes-7149	71	2	combining	combine	VERB
aijes-7149	71	3	their	their	PRON
aijes-7149	71	4	resources	resource	NOUN
aijes-7149	71	5	and	and	CCONJ
aijes-7149	71	6	experience	experience	NOUN
aijes-7149	71	7	,	,	PUNCT
aijes-7149	71	8	banks	bank	NOUN
aijes-7149	71	9	and	and	CCONJ
aijes-7149	71	10	financial	financial	ADJ
aijes-7149	71	11	organizations	organization	NOUN
aijes-7149	71	12	accelerate	accelerate	VERB
aijes-7149	71	13	the	the	DET
aijes-7149	71	14	process	process	NOUN
aijes-7149	71	15	of	of	ADP
aijes-7149	71	16	developing	develop	VERB
aijes-7149	71	17	new	new	ADJ
aijes-7149	71	18	technologies	technology	NOUN
aijes-7149	71	19	,	,	PUNCT
aijes-7149	71	20	share	share	NOUN
aijes-7149	71	21	associated	associate	VERB
aijes-7149	71	22	costs	cost	NOUN
aijes-7149	71	23	and	and	CCONJ
aijes-7149	71	24	maximize	maximize	VERB
aijes-7149	71	25	end	end	NOUN
aijes-7149	71	26	results	result	NOUN
aijes-7149	71	27	.	.	PUNCT
aijes-7149	72	1	open	open	VERB
aijes-7149	72	2	and	and	CCONJ
aijes-7149	72	3	closed	closed	ADJ
aijes-7149	72	4	innovations	innovation	NOUN
aijes-7149	72	5	in	in	ADP
aijes-7149	72	6	banking	bank	VERB
aijes-7149	72	7	the	the	DET
aijes-7149	72	8	primary	primary	ADJ
aijes-7149	72	9	objective	objective	NOUN
aijes-7149	72	10	of	of	ADP
aijes-7149	72	11	each	each	PRON
aijes-7149	72	12	of	of	ADP
aijes-7149	72	13	the	the	DET
aijes-7149	72	14	above	above	ADV
aijes-7149	72	15	-	-	PUNCT
aijes-7149	72	16	mentioned	mention	VERB
aijes-7149	72	17	types	type	NOUN
aijes-7149	72	18	of	of	ADP
aijes-7149	72	19	innovation	innovation	NOUN
aijes-7149	72	20	is	be	AUX
aijes-7149	72	21	to	to	PART
aijes-7149	72	22	improve	improve	VERB
aijes-7149	72	23	banking	banking	NOUN
aijes-7149	72	24	services	service	NOUN
aijes-7149	72	25	and	and	CCONJ
aijes-7149	72	26	management	management	NOUN
aijes-7149	72	27	,	,	PUNCT
aijes-7149	72	28	as	as	ADV
aijes-7149	72	29	well	well	ADV
aijes-7149	72	30	as	as	ADP
aijes-7149	72	31	increase	increase	VERB
aijes-7149	72	32	functionality	functionality	NOUN
aijes-7149	72	33	and	and	CCONJ
aijes-7149	72	34	efficiency	efficiency	NOUN
aijes-7149	72	35	.	.	PUNCT
aijes-7149	73	1	however	however	ADV
aijes-7149	73	2	,	,	PUNCT
aijes-7149	73	3	there	there	PRON
aijes-7149	73	4	are	be	VERB
aijes-7149	73	5	also	also	ADV
aijes-7149	73	6	two	two	NUM
aijes-7149	73	7	sources	source	NOUN
aijes-7149	73	8	of	of	ADP
aijes-7149	73	9	innovation	innovation	NOUN
aijes-7149	73	10	in	in	ADP
aijes-7149	73	11	terms	term	NOUN
aijes-7149	73	12	of	of	ADP
aijes-7149	73	13	banks	bank	NOUN
aijes-7149	73	14	obtaining	obtain	VERB
aijes-7149	73	15	these	these	DET
aijes-7149	73	16	innovations	innovation	NOUN
aijes-7149	73	17	:	:	PUNCT
aijes-7149	73	18	open	open	ADJ
aijes-7149	73	19	and	and	CCONJ
aijes-7149	73	20	closed	closed	ADJ
aijes-7149	73	21	.	.	PUNCT
aijes-7149	74	1	open	open	ADJ
aijes-7149	74	2	innovation	innovation	NOUN
aijes-7149	74	3	involves	involve	VERB
aijes-7149	74	4	banks	bank	NOUN
aijes-7149	74	5	acquiring	acquire	VERB
aijes-7149	74	6	a	a	DET
aijes-7149	74	7	new	new	ADJ
aijes-7149	74	8	technology	technology	NOUN
aijes-7149	74	9	,	,	PUNCT
aijes-7149	74	10	application	application	NOUN
aijes-7149	74	11	,	,	PUNCT
aijes-7149	74	12	or	or	CCONJ
aijes-7149	74	13	service	service	NOUN
aijes-7149	74	14	from	from	ADP
aijes-7149	74	15	external	external	ADJ
aijes-7149	74	16	sources	source	NOUN
aijes-7149	74	17	,	,	PUNCT
aijes-7149	74	18	such	such	ADJ
aijes-7149	74	19	as	as	ADP
aijes-7149	74	20	technology	technology	NOUN
aijes-7149	74	21	companies	company	NOUN
aijes-7149	74	22	or	or	CCONJ
aijes-7149	74	23	other	other	ADJ
aijes-7149	74	24	financial	financial	ADJ
aijes-7149	74	25	institutions	institution	NOUN
aijes-7149	74	26	.	.	PUNCT
aijes-7149	75	1	acquiring	acquire	VERB
aijes-7149	75	2	from	from	ADP
aijes-7149	75	3	external	external	ADJ
aijes-7149	75	4	sources	source	NOUN
aijes-7149	75	5	allows	allow	VERB
aijes-7149	75	6	banks	bank	NOUN
aijes-7149	75	7	to	to	PART
aijes-7149	75	8	avoid	avoid	VERB
aijes-7149	75	9	research	research	NOUN
aijes-7149	75	10	and	and	CCONJ
aijes-7149	75	11	development	development	NOUN
aijes-7149	75	12	expenses	expense	NOUN
aijes-7149	75	13	and	and	CCONJ
aijes-7149	75	14	quickly	quickly	ADV
aijes-7149	75	15	access	access	VERB
aijes-7149	75	16	the	the	DET
aijes-7149	75	17	latest	late	ADJ
aijes-7149	75	18	innovations	innovation	NOUN
aijes-7149	75	19	on	on	ADP
aijes-7149	75	20	the	the	DET
aijes-7149	75	21	global	global	ADJ
aijes-7149	75	22	market	market	NOUN
aijes-7149	75	23	.	.	PUNCT
aijes-7149	76	1	however	however	ADV
aijes-7149	76	2	,	,	PUNCT
aijes-7149	76	3	innovation	innovation	NOUN
aijes-7149	76	4	developed	develop	VERB
aijes-7149	76	5	by	by	ADP
aijes-7149	76	6	thirdparty	thirdparty	NOUN
aijes-7149	76	7	organizations	organization	NOUN
aijes-7149	76	8	sometimes	sometimes	ADV
aijes-7149	76	9	do	do	AUX
aijes-7149	76	10	not	not	PART
aijes-7149	76	11	offer	offer	VERB
aijes-7149	76	12	banks	bank	NOUN
aijes-7149	76	13	exactly	exactly	ADV
aijes-7149	76	14	what	what	PRON
aijes-7149	76	15	they	they	PRON
aijes-7149	76	16	are	be	AUX
aijes-7149	76	17	looking	look	VERB
aijes-7149	76	18	for	for	ADP
aijes-7149	76	19	.	.	PUNCT
aijes-7149	77	1	additionally	additionally	ADV
aijes-7149	77	2	,	,	PUNCT
aijes-7149	77	3	such	such	ADJ
aijes-7149	77	4	innovation	innovation	NOUN
aijes-7149	77	5	is	be	AUX
aijes-7149	77	6	more	more	ADV
aijes-7149	77	7	sensitive	sensitive	ADJ
aijes-7149	77	8	in	in	ADP
aijes-7149	77	9	terms	term	NOUN
aijes-7149	77	10	of	of	ADP
aijes-7149	77	11	security	security	NOUN
aijes-7149	77	12	and	and	CCONJ
aijes-7149	77	13	increases	increase	VERB
aijes-7149	77	14	the	the	DET
aijes-7149	77	15	risks	risk	NOUN
aijes-7149	77	16	of	of	ADP
aijes-7149	77	17	cyberattacks	cyberattack	NOUN
aijes-7149	77	18	,	,	PUNCT
aijes-7149	77	19	data	datum	NOUN
aijes-7149	77	20	theft	theft	NOUN
aijes-7149	77	21	and	and	CCONJ
aijes-7149	77	22	financial	financial	ADJ
aijes-7149	77	23	losses	loss	NOUN
aijes-7149	77	24	.	.	PUNCT
aijes-7149	78	1	(	(	PUNCT
aijes-7149	78	2	parameswar	parameswar	NOUN
aijes-7149	78	3	&	&	CCONJ
aijes-7149	78	4	dhir	dhir	ADJ
aijes-7149	78	5	,	,	PUNCT
aijes-7149	78	6	2023	2023	NUM
aijes-7149	78	7	)	)	PUNCT
aijes-7149	78	8	.	.	PUNCT
aijes-7149	79	1	technological	technological	ADJ
aijes-7149	79	2	advancement	advancement	NOUN
aijes-7149	79	3	developed	develop	VERB
aijes-7149	79	4	by	by	ADP
aijes-7149	79	5	banks	bank	NOUN
aijes-7149	79	6	themselves	themselves	PRON
aijes-7149	79	7	are	be	AUX
aijes-7149	79	8	called	call	VERB
aijes-7149	79	9	closed	closed	ADJ
aijes-7149	79	10	innovation	innovation	NOUN
aijes-7149	79	11	.	.	PUNCT
aijes-7149	80	1	this	this	DET
aijes-7149	80	2	innovation	innovation	NOUN
aijes-7149	80	3	relies	rely	VERB
aijes-7149	80	4	heavily	heavily	ADV
aijes-7149	80	5	on	on	ADP
aijes-7149	80	6	the	the	DET
aijes-7149	80	7	internal	internal	ADJ
aijes-7149	80	8	resources	resource	NOUN
aijes-7149	80	9	of	of	ADP
aijes-7149	80	10	banks	bank	NOUN
aijes-7149	80	11	,	,	PUNCT
aijes-7149	80	12	which	which	PRON
aijes-7149	80	13	are	be	AUX
aijes-7149	80	14	developed	develop	VERB
aijes-7149	80	15	based	base	VERB
aijes-7149	80	16	on	on	ADP
aijes-7149	80	17	the	the	DET
aijes-7149	80	18	banks	bank	NOUN
aijes-7149	80	19	'	'	PART
aijes-7149	80	20	ideas	idea	NOUN
aijes-7149	80	21	and	and	CCONJ
aijes-7149	80	22	research	research	NOUN
aijes-7149	80	23	.	.	PUNCT
aijes-7149	81	1	(	(	PUNCT
aijes-7149	81	2	balkon	balkon	NOUN
aijes-7149	81	3	,	,	PUNCT
aijes-7149	81	4	2022	2022	NUM
aijes-7149	81	5	)	)	PUNCT
aijes-7149	81	6	.	.	PUNCT
aijes-7149	82	1	closed	close	VERB
aijes-7149	82	2	innovation	innovation	NOUN
aijes-7149	82	3	helps	help	VERB
aijes-7149	82	4	banks	bank	NOUN
aijes-7149	82	5	develop	develop	VERB
aijes-7149	82	6	innovation	innovation	NOUN
aijes-7149	82	7	that	that	PRON
aijes-7149	82	8	meet	meet	VERB
aijes-7149	82	9	their	their	PRON
aijes-7149	82	10	needs	need	NOUN
aijes-7149	82	11	.	.	PUNCT
aijes-7149	83	1	furthermore	furthermore	ADV
aijes-7149	83	2	,	,	PUNCT
aijes-7149	83	3	these	these	DET
aijes-7149	83	4	types	type	NOUN
aijes-7149	83	5	of	of	ADP
aijes-7149	83	6	innovations	innovation	NOUN
aijes-7149	83	7	are	be	AUX
aijes-7149	83	8	more	more	ADV
aijes-7149	83	9	secure	secure	ADJ
aijes-7149	83	10	because	because	SCONJ
aijes-7149	83	11	they	they	PRON
aijes-7149	83	12	are	be	AUX
aijes-7149	83	13	known	know	VERB
aijes-7149	83	14	and	and	CCONJ
aijes-7149	83	15	used	use	VERB
aijes-7149	83	16	only	only	ADV
aijes-7149	83	17	by	by	ADP
aijes-7149	83	18	the	the	DET
aijes-7149	83	19	bank	bank	NOUN
aijes-7149	83	20	.	.	PUNCT
aijes-7149	84	1	however	however	ADV
aijes-7149	84	2	,	,	PUNCT
aijes-7149	84	3	developing	develop	VERB
aijes-7149	84	4	closed	closed	ADJ
aijes-7149	84	5	innovation	innovation	NOUN
aijes-7149	84	6	can	can	AUX
aijes-7149	84	7	be	be	AUX
aijes-7149	84	8	time	time	NOUN
aijes-7149	84	9	-	-	PUNCT
aijes-7149	84	10	consuming	consume	VERB
aijes-7149	84	11	and	and	CCONJ
aijes-7149	84	12	more	more	ADV
aijes-7149	84	13	expensive	expensive	ADJ
aijes-7149	84	14	than	than	ADP
aijes-7149	84	15	open	open	ADJ
aijes-7149	84	16	innovation	innovation	NOUN
aijes-7149	84	17	.	.	PUNCT
aijes-7149	85	1	3	3	X
aijes-7149	85	2	.	.	X
aijes-7149	85	3	benefits	benefit	NOUN
aijes-7149	85	4	of	of	ADP
aijes-7149	85	5	innovation	innovation	NOUN
aijes-7149	85	6	in	in	ADP
aijes-7149	85	7	banking	banking	NOUN
aijes-7149	85	8	services	service	NOUN
aijes-7149	85	9	from	from	ADP
aijes-7149	85	10	increased	increase	VERB
aijes-7149	85	11	accessibility	accessibility	NOUN
aijes-7149	85	12	and	and	CCONJ
aijes-7149	85	13	efficiency	efficiency	NOUN
aijes-7149	85	14	to	to	ADP
aijes-7149	85	15	faster	fast	ADJ
aijes-7149	85	16	transactions	transaction	NOUN
aijes-7149	85	17	and	and	CCONJ
aijes-7149	85	18	advanced	advanced	ADJ
aijes-7149	85	19	features	feature	NOUN
aijes-7149	85	20	,	,	PUNCT
aijes-7149	85	21	innovation	innovation	NOUN
aijes-7149	85	22	in	in	ADP
aijes-7149	85	23	banking	banking	NOUN
aijes-7149	85	24	services	service	NOUN
aijes-7149	85	25	offer	offer	VERB
aijes-7149	85	26	numerous	numerous	ADJ
aijes-7149	85	27	advantages	advantage	NOUN
aijes-7149	85	28	to	to	ADP
aijes-7149	85	29	both	both	DET
aijes-7149	85	30	banks	bank	NOUN
aijes-7149	85	31	and	and	CCONJ
aijes-7149	85	32	customers	customer	NOUN
aijes-7149	85	33	.	.	PUNCT
aijes-7149	86	1	here	here	ADV
aijes-7149	86	2	's	be	AUX
aijes-7149	86	3	a	a	DET
aijes-7149	86	4	brief	brief	ADJ
aijes-7149	86	5	overview	overview	NOUN
aijes-7149	86	6	of	of	ADP
aijes-7149	86	7	the	the	DET
aijes-7149	86	8	key	key	ADJ
aijes-7149	86	9	benefits	benefit	NOUN
aijes-7149	86	10	:	:	PUNCT
aijes-7149	86	11	accessibility	accessibility	NOUN
aijes-7149	86	12	and	and	CCONJ
aijes-7149	86	13	convenience	convenience	NOUN
aijes-7149	86	14	.	.	PUNCT
aijes-7149	87	1	innovative	innovative	ADJ
aijes-7149	87	2	banking	banking	NOUN
aijes-7149	87	3	services	service	NOUN
aijes-7149	87	4	such	such	ADJ
aijes-7149	87	5	as	as	ADP
aijes-7149	87	6	mobile	mobile	ADJ
aijes-7149	87	7	banking	banking	NOUN
aijes-7149	87	8	apps	app	NOUN
aijes-7149	87	9	and	and	CCONJ
aijes-7149	87	10	online	online	ADJ
aijes-7149	87	11	banking	banking	NOUN
aijes-7149	87	12	sites	site	NOUN
aijes-7149	87	13	are	be	AUX
aijes-7149	87	14	available	available	ADJ
aijes-7149	87	15	24/7	24/7	NOUN
aijes-7149	87	16	,	,	PUNCT
aijes-7149	87	17	anytime	anytime	NOUN
aijes-7149	87	18	and	and	CCONJ
aijes-7149	87	19	anywhere	anywhere	ADV
aijes-7149	87	20	,	,	PUNCT
aijes-7149	87	21	making	make	VERB
aijes-7149	87	22	them	they	PRON
aijes-7149	87	23	accessible	accessible	ADJ
aijes-7149	87	24	and	and	CCONJ
aijes-7149	87	25	convenient	convenient	ADJ
aijes-7149	87	26	for	for	ADP
aijes-7149	87	27	customers	customer	NOUN
aijes-7149	87	28	.	.	PUNCT
aijes-7149	88	1	with	with	ADP
aijes-7149	88	2	innovative	innovative	ADJ
aijes-7149	88	3	advancements	advancement	NOUN
aijes-7149	88	4	like	like	ADP
aijes-7149	88	5	live	live	ADJ
aijes-7149	88	6	chat	chat	NOUN
aijes-7149	88	7	and	and	CCONJ
aijes-7149	88	8	robo	robo	NOUN
aijes-7149	88	9	-	-	PUNCT
aijes-7149	88	10	advisors	advisor	NOUN
aijes-7149	88	11	,	,	PUNCT
aijes-7149	88	12	banks	bank	NOUN
aijes-7149	88	13	offer	offer	VERB
aijes-7149	88	14	24/7	24/7	NUM
aijes-7149	88	15	customer	customer	NOUN
aijes-7149	88	16	support	support	NOUN
aijes-7149	88	17	,	,	PUNCT
aijes-7149	88	18	resolving	resolve	VERB
aijes-7149	88	19	customer	customer	NOUN
aijes-7149	88	20	issues	issue	NOUN
aijes-7149	88	21	and	and	CCONJ
aijes-7149	88	22	answering	answer	VERB
aijes-7149	88	23	their	their	PRON
aijes-7149	88	24	questions	question	NOUN
aijes-7149	88	25	.	.	PUNCT
aijes-7149	89	1	transparency	transparency	NOUN
aijes-7149	89	2	.	.	PUNCT
aijes-7149	90	1	innovative	innovative	ADJ
aijes-7149	90	2	banking	banking	NOUN
aijes-7149	90	3	technologies	technology	NOUN
aijes-7149	90	4	allow	allow	VERB
aijes-7149	90	5	banks	bank	NOUN
aijes-7149	90	6	and	and	CCONJ
aijes-7149	90	7	customers	customer	NOUN
aijes-7149	90	8	to	to	PART
aijes-7149	90	9	view	view	VERB
aijes-7149	90	10	the	the	DET
aijes-7149	90	11	details	detail	NOUN
aijes-7149	90	12	of	of	ADP
aijes-7149	90	13	all	all	DET
aijes-7149	90	14	transactions	transaction	NOUN
aijes-7149	90	15	and	and	CCONJ
aijes-7149	90	16	financial	financial	ADJ
aijes-7149	90	17	operations	operation	NOUN
aijes-7149	90	18	.	.	PUNCT
aijes-7149	91	1	customers	customer	NOUN
aijes-7149	91	2	can	can	AUX
aijes-7149	91	3	check	check	VERB
aijes-7149	91	4	their	their	PRON
aijes-7149	91	5	bank	bank	NOUN
aijes-7149	91	6	accounts	account	NOUN
aijes-7149	91	7	and	and	CCONJ
aijes-7149	91	8	track	track	VERB
aijes-7149	91	9	the	the	DET
aijes-7149	91	10	history	history	NOUN
aijes-7149	91	11	of	of	ADP
aijes-7149	91	12	transactions	transaction	NOUN
aijes-7149	91	13	.	.	PUNCT
aijes-7149	92	1	transparency	transparency	NOUN
aijes-7149	92	2	also	also	ADV
aijes-7149	92	3	helps	help	VERB
aijes-7149	92	4	banks	bank	NOUN
aijes-7149	92	5	identify	identify	VERB
aijes-7149	92	6	fraud	fraud	NOUN
aijes-7149	92	7	and	and	CCONJ
aijes-7149	92	8	suspicious	suspicious	ADJ
aijes-7149	92	9	activities	activity	NOUN
aijes-7149	92	10	.	.	PUNCT
aijes-7149	93	1	(	(	PUNCT
aijes-7149	93	2	lin	lin	PROPN
aijes-7149	93	3	,	,	PUNCT
aijes-7149	93	4	liu	liu	PROPN
aijes-7149	93	5	&	&	CCONJ
aijes-7149	93	6	wei	wei	PROPN
aijes-7149	93	7	,	,	PUNCT
aijes-7149	93	8	2023	2023	NUM
aijes-7149	93	9	)	)	PUNCT
aijes-7149	93	10	.	.	PUNCT
aijes-7149	94	1	cost	cost	NOUN
aijes-7149	94	2	efficiency	efficiency	NOUN
aijes-7149	94	3	.	.	PUNCT
aijes-7149	95	1	innovation	innovation	NOUN
aijes-7149	95	2	helps	help	VERB
aijes-7149	95	3	banks	bank	NOUN
aijes-7149	95	4	automate	automate	VERB
aijes-7149	95	5	most	most	ADJ
aijes-7149	95	6	of	of	ADP
aijes-7149	95	7	the	the	DET
aijes-7149	95	8	processes	process	NOUN
aijes-7149	95	9	,	,	PUNCT
aijes-7149	95	10	which	which	PRON
aijes-7149	95	11	helps	help	VERB
aijes-7149	95	12	them	they	PRON
aijes-7149	95	13	reduce	reduce	VERB
aijes-7149	95	14	costs	cost	NOUN
aijes-7149	95	15	by	by	ADP
aijes-7149	95	16	reducing	reduce	VERB
aijes-7149	95	17	the	the	DET
aijes-7149	95	18	need	need	NOUN
aijes-7149	95	19	for	for	ADP
aijes-7149	95	20	large	large	ADJ
aijes-7149	95	21	numbers	number	NOUN
aijes-7149	95	22	of	of	ADP
aijes-7149	95	23	bank	bank	NOUN
aijes-7149	95	24	personnel	personnel	NOUN
aijes-7149	95	25	and	and	CCONJ
aijes-7149	95	26	physical	physical	ADJ
aijes-7149	95	27	bank	bank	NOUN
aijes-7149	95	28	branches	branch	NOUN
aijes-7149	95	29	.	.	PUNCT
aijes-7149	96	1	reducing	reduce	VERB
aijes-7149	96	2	costs	cost	NOUN
aijes-7149	96	3	allows	allow	VERB
aijes-7149	96	4	banks	bank	NOUN
aijes-7149	96	5	to	to	PART
aijes-7149	96	6	offer	offer	VERB
aijes-7149	96	7	banking	banking	NOUN
aijes-7149	96	8	services	service	NOUN
aijes-7149	96	9	with	with	ADP
aijes-7149	96	10	lower	low	ADJ
aijes-7149	96	11	fees	fee	NOUN
aijes-7149	96	12	.	.	PUNCT
aijes-7149	97	1	faster	fast	ADJ
aijes-7149	97	2	credit	credit	NOUN
aijes-7149	97	3	approval	approval	NOUN
aijes-7149	97	4	.	.	PUNCT
aijes-7149	98	1	innovative	innovative	ADJ
aijes-7149	98	2	advances	advance	NOUN
aijes-7149	98	3	such	such	ADJ
aijes-7149	98	4	as	as	ADP
aijes-7149	98	5	ai	ai	ADJ
aijes-7149	98	6	and	and	CCONJ
aijes-7149	98	7	big	big	ADJ
aijes-7149	98	8	data	datum	NOUN
aijes-7149	98	9	allow	allow	VERB
aijes-7149	98	10	banks	bank	NOUN
aijes-7149	98	11	to	to	PART
aijes-7149	98	12	collect	collect	VERB
aijes-7149	98	13	relevant	relevant	ADJ
aijes-7149	98	14	customer	customer	NOUN
aijes-7149	98	15	data	datum	NOUN
aijes-7149	98	16	,	,	PUNCT
aijes-7149	98	17	analyze	analyze	VERB
aijes-7149	98	18	it	it	PRON
aijes-7149	98	19	quickly	quickly	ADV
aijes-7149	98	20	and	and	CCONJ
aijes-7149	98	21	speed	speed	VERB
aijes-7149	98	22	up	up	ADP
aijes-7149	98	23	the	the	DET
aijes-7149	98	24	loan	loan	NOUN
aijes-7149	98	25	decision	decision	NOUN
aijes-7149	98	26	-	-	PUNCT
aijes-7149	98	27	making	make	VERB
aijes-7149	98	28	process	process	NOUN
aijes-7149	98	29	.	.	PUNCT
aijes-7149	99	1	(	(	PUNCT
aijes-7149	99	2	sharma	sharma	PROPN
aijes-7149	99	3	,	,	PUNCT
aijes-7149	99	4	2022	2022	NUM
aijes-7149	99	5	)	)	PUNCT
aijes-7149	99	6	.	.	PUNCT
aijes-7149	100	1	fundamentals	fundamental	NOUN
aijes-7149	100	2	of	of	ADP
aijes-7149	100	3	innovation	innovation	NOUN
aijes-7149	100	4	in	in	ADP
aijes-7149	100	5	modern	modern	ADJ
aijes-7149	100	6	banking	banking	NOUN
aijes-7149	100	7	services	service	NOUN
aijes-7149	100	8	158	158	NUM
aijes-7149	100	9	new	new	ADJ
aijes-7149	100	10	services	service	NOUN
aijes-7149	100	11	and	and	CCONJ
aijes-7149	100	12	products	product	NOUN
aijes-7149	100	13	.	.	PUNCT
aijes-7149	101	1	innovation	innovation	NOUN
aijes-7149	101	2	helps	help	VERB
aijes-7149	101	3	banks	bank	NOUN
aijes-7149	101	4	analyze	analyze	VERB
aijes-7149	101	5	market	market	NOUN
aijes-7149	101	6	trends	trend	NOUN
aijes-7149	101	7	,	,	PUNCT
aijes-7149	101	8	identify	identify	VERB
aijes-7149	101	9	unmet	unmet	NOUN
aijes-7149	101	10	needs	need	NOUN
aijes-7149	101	11	and	and	CCONJ
aijes-7149	101	12	develop	develop	VERB
aijes-7149	101	13	new	new	ADJ
aijes-7149	101	14	banking	banking	NOUN
aijes-7149	101	15	services	service	NOUN
aijes-7149	101	16	and	and	CCONJ
aijes-7149	101	17	other	other	ADJ
aijes-7149	101	18	financial	financial	ADJ
aijes-7149	101	19	products	product	NOUN
aijes-7149	101	20	.	.	PUNCT
aijes-7149	102	1	it	it	PRON
aijes-7149	102	2	also	also	ADV
aijes-7149	102	3	allows	allow	VERB
aijes-7149	102	4	banks	bank	NOUN
aijes-7149	102	5	to	to	PART
aijes-7149	102	6	offer	offer	VERB
aijes-7149	102	7	more	more	ADJ
aijes-7149	102	8	personalized	personalize	VERB
aijes-7149	102	9	services	service	NOUN
aijes-7149	102	10	to	to	ADP
aijes-7149	102	11	customers	customer	NOUN
aijes-7149	102	12	.	.	PUNCT
aijes-7149	103	1	(	(	PUNCT
aijes-7149	103	2	harchekar	harchekar	NOUN
aijes-7149	103	3	,	,	PUNCT
aijes-7149	103	4	2021	2021	NUM
aijes-7149	103	5	)	)	PUNCT
aijes-7149	103	6	.	.	PUNCT
aijes-7149	104	1	improved	improve	VERB
aijes-7149	104	2	financial	financial	ADJ
aijes-7149	104	3	inclusion	inclusion	NOUN
aijes-7149	104	4	.	.	PUNCT
aijes-7149	105	1	with	with	ADP
aijes-7149	105	2	the	the	DET
aijes-7149	105	3	help	help	NOUN
aijes-7149	105	4	of	of	ADP
aijes-7149	105	5	innovative	innovative	ADJ
aijes-7149	105	6	banking	banking	NOUN
aijes-7149	105	7	platforms	platform	NOUN
aijes-7149	105	8	,	,	PUNCT
aijes-7149	105	9	anyone	anyone	PRON
aijes-7149	105	10	with	with	ADP
aijes-7149	105	11	internet	internet	NOUN
aijes-7149	105	12	access	access	NOUN
aijes-7149	105	13	can	can	AUX
aijes-7149	105	14	open	open	VERB
aijes-7149	105	15	a	a	DET
aijes-7149	105	16	bank	bank	NOUN
aijes-7149	105	17	account	account	NOUN
aijes-7149	105	18	,	,	PUNCT
aijes-7149	105	19	obtain	obtain	VERB
aijes-7149	105	20	a	a	DET
aijes-7149	105	21	loan	loan	NOUN
aijes-7149	105	22	,	,	PUNCT
aijes-7149	105	23	and	and	CCONJ
aijes-7149	105	24	send	send	VERB
aijes-7149	105	25	and	and	CCONJ
aijes-7149	105	26	receive	receive	VERB
aijes-7149	105	27	money	money	NOUN
aijes-7149	105	28	,	,	PUNCT
aijes-7149	105	29	regardless	regardless	ADV
aijes-7149	105	30	of	of	ADP
aijes-7149	105	31	their	their	PRON
aijes-7149	105	32	location	location	NOUN
aijes-7149	105	33	.	.	PUNCT
aijes-7149	106	1	by	by	ADP
aijes-7149	106	2	offering	offer	VERB
aijes-7149	106	3	banking	banking	NOUN
aijes-7149	106	4	services	service	NOUN
aijes-7149	106	5	to	to	ADP
aijes-7149	106	6	the	the	DET
aijes-7149	106	7	unbanked	unbanked	ADJ
aijes-7149	106	8	people	people	NOUN
aijes-7149	106	9	,	,	PUNCT
aijes-7149	106	10	innovative	innovative	ADJ
aijes-7149	106	11	technologies	technology	NOUN
aijes-7149	106	12	help	help	AUX
aijes-7149	106	13	improve	improve	VERB
aijes-7149	106	14	financial	financial	ADJ
aijes-7149	106	15	inclusion	inclusion	NOUN
aijes-7149	106	16	.	.	PUNCT
aijes-7149	107	1	(	(	PUNCT
aijes-7149	107	2	indriasari	indriasari	NOUN
aijes-7149	107	3	,	,	PUNCT
aijes-7149	107	4	2022	2022	NUM
aijes-7149	107	5	)	)	PUNCT
aijes-7149	107	6	.	.	PUNCT
aijes-7149	108	1	4	4	X
aijes-7149	108	2	.	.	X
aijes-7149	108	3	challenges	challenge	NOUN
aijes-7149	108	4	of	of	ADP
aijes-7149	108	5	innovation	innovation	NOUN
aijes-7149	108	6	in	in	ADP
aijes-7149	108	7	banking	banking	NOUN
aijes-7149	108	8	services	service	NOUN
aijes-7149	108	9	despite	despite	SCONJ
aijes-7149	108	10	the	the	DET
aijes-7149	108	11	numerous	numerous	ADJ
aijes-7149	108	12	advantages	advantage	NOUN
aijes-7149	108	13	that	that	SCONJ
aijes-7149	108	14	innovation	innovation	NOUN
aijes-7149	108	15	brings	bring	VERB
aijes-7149	108	16	to	to	ADP
aijes-7149	108	17	banking	banking	NOUN
aijes-7149	108	18	services	service	NOUN
aijes-7149	108	19	and	and	CCONJ
aijes-7149	108	20	the	the	DET
aijes-7149	108	21	banking	banking	NOUN
aijes-7149	108	22	environment	environment	NOUN
aijes-7149	108	23	,	,	PUNCT
aijes-7149	108	24	it	it	PRON
aijes-7149	108	25	also	also	ADV
aijes-7149	108	26	has	have	VERB
aijes-7149	108	27	a	a	DET
aijes-7149	108	28	number	number	NOUN
aijes-7149	108	29	of	of	ADP
aijes-7149	108	30	disadvantages	disadvantage	NOUN
aijes-7149	108	31	.	.	PUNCT
aijes-7149	109	1	the	the	DET
aijes-7149	109	2	following	follow	VERB
aijes-7149	109	3	are	be	AUX
aijes-7149	109	4	the	the	DET
aijes-7149	109	5	main	main	ADJ
aijes-7149	109	6	challenges	challenge	NOUN
aijes-7149	109	7	of	of	ADP
aijes-7149	109	8	innovative	innovative	ADJ
aijes-7149	109	9	banking	banking	NOUN
aijes-7149	109	10	services	service	NOUN
aijes-7149	109	11	:	:	PUNCT
aijes-7149	109	12	privacy	privacy	NOUN
aijes-7149	109	13	concerns	concern	NOUN
aijes-7149	109	14	.	.	PUNCT
aijes-7149	110	1	innovative	innovative	ADJ
aijes-7149	110	2	banking	banking	NOUN
aijes-7149	110	3	services	service	NOUN
aijes-7149	110	4	collect	collect	VERB
aijes-7149	110	5	and	and	CCONJ
aijes-7149	110	6	store	store	VERB
aijes-7149	110	7	a	a	DET
aijes-7149	110	8	significant	significant	ADJ
aijes-7149	110	9	amount	amount	NOUN
aijes-7149	110	10	of	of	ADP
aijes-7149	110	11	personal	personal	ADJ
aijes-7149	110	12	and	and	CCONJ
aijes-7149	110	13	financial	financial	ADJ
aijes-7149	110	14	data	datum	NOUN
aijes-7149	110	15	about	about	ADP
aijes-7149	110	16	customers	customer	NOUN
aijes-7149	110	17	.	.	PUNCT
aijes-7149	111	1	although	although	SCONJ
aijes-7149	111	2	this	this	DET
aijes-7149	111	3	data	data	NOUN
aijes-7149	111	4	is	be	AUX
aijes-7149	111	5	used	use	VERB
aijes-7149	111	6	only	only	ADV
aijes-7149	111	7	to	to	PART
aijes-7149	111	8	personalize	personalize	VERB
aijes-7149	111	9	financial	financial	ADJ
aijes-7149	111	10	services	service	NOUN
aijes-7149	111	11	,	,	PUNCT
aijes-7149	111	12	customers	customer	NOUN
aijes-7149	111	13	are	be	AUX
aijes-7149	111	14	concerned	concerned	ADJ
aijes-7149	111	15	about	about	ADP
aijes-7149	111	16	privacy	privacy	NOUN
aijes-7149	111	17	and	and	CCONJ
aijes-7149	111	18	the	the	DET
aijes-7149	111	19	risk	risk	NOUN
aijes-7149	111	20	of	of	ADP
aijes-7149	111	21	misuse	misuse	NOUN
aijes-7149	111	22	of	of	ADP
aijes-7149	111	23	their	their	PRON
aijes-7149	111	24	personal	personal	ADJ
aijes-7149	111	25	data	datum	NOUN
aijes-7149	111	26	.	.	PUNCT
aijes-7149	112	1	(	(	PUNCT
aijes-7149	112	2	revathi	revathi	PROPN
aijes-7149	112	3	,	,	PUNCT
aijes-7149	112	4	2019	2019	NUM
aijes-7149	112	5	)	)	PUNCT
aijes-7149	112	6	.	.	PUNCT
aijes-7149	113	1	security	security	NOUN
aijes-7149	113	2	risks	risk	NOUN
aijes-7149	113	3	.	.	PUNCT
aijes-7149	114	1	digital	digital	ADJ
aijes-7149	114	2	banking	banking	NOUN
aijes-7149	114	3	platforms	platform	NOUN
aijes-7149	114	4	are	be	AUX
aijes-7149	114	5	always	always	ADV
aijes-7149	114	6	under	under	ADP
aijes-7149	114	7	attack	attack	NOUN
aijes-7149	114	8	from	from	ADP
aijes-7149	114	9	fraudsters	fraudster	NOUN
aijes-7149	114	10	and	and	CCONJ
aijes-7149	114	11	cybercriminals	cybercriminal	NOUN
aijes-7149	114	12	.	.	PUNCT
aijes-7149	115	1	although	although	SCONJ
aijes-7149	115	2	banks	bank	NOUN
aijes-7149	115	3	use	use	VERB
aijes-7149	115	4	advanced	advanced	ADJ
aijes-7149	115	5	security	security	NOUN
aijes-7149	115	6	methods	method	NOUN
aijes-7149	115	7	to	to	PART
aijes-7149	115	8	protect	protect	VERB
aijes-7149	115	9	themselves	themselves	PRON
aijes-7149	115	10	and	and	CCONJ
aijes-7149	115	11	their	their	PRON
aijes-7149	115	12	customers	customer	NOUN
aijes-7149	115	13	,	,	PUNCT
aijes-7149	115	14	the	the	DET
aijes-7149	115	15	risk	risk	NOUN
aijes-7149	115	16	of	of	ADP
aijes-7149	115	17	manipulation	manipulation	NOUN
aijes-7149	115	18	and	and	CCONJ
aijes-7149	115	19	hacking	hack	VERB
aijes-7149	115	20	remains	remain	NOUN
aijes-7149	115	21	.	.	PUNCT
aijes-7149	116	1	cybercriminals	cybercriminal	NOUN
aijes-7149	116	2	’	'	PUNCT
aijes-7149	116	3	access	access	NOUN
aijes-7149	116	4	to	to	ADP
aijes-7149	116	5	digital	digital	ADJ
aijes-7149	116	6	banking	banking	NOUN
aijes-7149	116	7	systems	system	NOUN
aijes-7149	116	8	can	can	AUX
aijes-7149	116	9	lead	lead	VERB
aijes-7149	116	10	to	to	ADP
aijes-7149	116	11	financial	financial	ADJ
aijes-7149	116	12	losses	loss	NOUN
aijes-7149	116	13	for	for	ADP
aijes-7149	116	14	banks	bank	NOUN
aijes-7149	116	15	and	and	CCONJ
aijes-7149	116	16	their	their	PRON
aijes-7149	116	17	customers	customer	NOUN
aijes-7149	116	18	.	.	PUNCT
aijes-7149	117	1	technical	technical	ADJ
aijes-7149	117	2	problems	problem	NOUN
aijes-7149	117	3	.	.	PUNCT
aijes-7149	118	1	innovative	innovative	ADJ
aijes-7149	118	2	banking	banking	NOUN
aijes-7149	118	3	services	service	NOUN
aijes-7149	118	4	depend	depend	VERB
aijes-7149	118	5	heavily	heavily	ADV
aijes-7149	118	6	on	on	ADP
aijes-7149	118	7	technology	technology	NOUN
aijes-7149	118	8	and	and	CCONJ
aijes-7149	118	9	failures	failure	NOUN
aijes-7149	118	10	,	,	PUNCT
aijes-7149	118	11	downtime	downtime	NOUN
aijes-7149	118	12	or	or	CCONJ
aijes-7149	118	13	bugs	bug	NOUN
aijes-7149	118	14	in	in	ADP
aijes-7149	118	15	banking	banking	NOUN
aijes-7149	118	16	system	system	NOUN
aijes-7149	118	17	can	can	AUX
aijes-7149	118	18	prevent	prevent	VERB
aijes-7149	118	19	customers	customer	NOUN
aijes-7149	118	20	from	from	ADP
aijes-7149	118	21	accessing	access	VERB
aijes-7149	118	22	banking	banking	NOUN
aijes-7149	118	23	services	service	NOUN
aijes-7149	118	24	.	.	PUNCT
aijes-7149	119	1	high	high	ADJ
aijes-7149	119	2	implementation	implementation	NOUN
aijes-7149	119	3	costs	cost	NOUN
aijes-7149	119	4	.	.	PUNCT
aijes-7149	120	1	innovations	innovation	NOUN
aijes-7149	120	2	improve	improve	VERB
aijes-7149	120	3	the	the	DET
aijes-7149	120	4	efficiency	efficiency	NOUN
aijes-7149	120	5	,	,	PUNCT
aijes-7149	120	6	functionality	functionality	NOUN
aijes-7149	120	7	and	and	CCONJ
aijes-7149	120	8	productivity	productivity	NOUN
aijes-7149	120	9	of	of	ADP
aijes-7149	120	10	banks	bank	NOUN
aijes-7149	120	11	.	.	PUNCT
aijes-7149	121	1	however	however	ADV
aijes-7149	121	2	,	,	PUNCT
aijes-7149	121	3	developing	develop	VERB
aijes-7149	121	4	or	or	CCONJ
aijes-7149	121	5	acquiring	acquire	VERB
aijes-7149	121	6	modern	modern	ADJ
aijes-7149	121	7	innovative	innovative	ADJ
aijes-7149	121	8	achievements	achievement	NOUN
aijes-7149	121	9	is	be	AUX
aijes-7149	121	10	very	very	ADV
aijes-7149	121	11	expensive	expensive	ADJ
aijes-7149	121	12	.	.	PUNCT
aijes-7149	122	1	due	due	ADP
aijes-7149	122	2	to	to	ADP
aijes-7149	122	3	these	these	DET
aijes-7149	122	4	high	high	ADJ
aijes-7149	122	5	costs	cost	NOUN
aijes-7149	122	6	,	,	PUNCT
aijes-7149	122	7	many	many	ADJ
aijes-7149	122	8	banks	bank	NOUN
aijes-7149	122	9	postpone	postpone	VERB
aijes-7149	122	10	or	or	CCONJ
aijes-7149	122	11	refuse	refuse	VERB
aijes-7149	122	12	to	to	PART
aijes-7149	122	13	implement	implement	VERB
aijes-7149	122	14	the	the	DET
aijes-7149	122	15	latest	late	ADJ
aijes-7149	122	16	technological	technological	ADJ
aijes-7149	122	17	innovations	innovation	NOUN
aijes-7149	122	18	.	.	PUNCT
aijes-7149	123	1	(	(	PUNCT
aijes-7149	123	2	valverde	valverde	PROPN
aijes-7149	123	3	,	,	PUNCT
aijes-7149	123	4	2019	2019	NUM
aijes-7149	123	5	)	)	PUNCT
aijes-7149	123	6	.	.	PUNCT
aijes-7149	124	1	customer	customer	NOUN
aijes-7149	124	2	experience	experience	NOUN
aijes-7149	124	3	issues	issue	NOUN
aijes-7149	124	4	.	.	PUNCT
aijes-7149	125	1	customers	customer	NOUN
aijes-7149	125	2	accustomed	accustom	VERB
aijes-7149	125	3	to	to	ADP
aijes-7149	125	4	traditional	traditional	ADJ
aijes-7149	125	5	services	service	NOUN
aijes-7149	125	6	may	may	AUX
aijes-7149	125	7	struggle	struggle	VERB
aijes-7149	125	8	to	to	PART
aijes-7149	125	9	adopt	adopt	VERB
aijes-7149	125	10	and	and	CCONJ
aijes-7149	125	11	use	use	VERB
aijes-7149	125	12	innovative	innovative	ADJ
aijes-7149	125	13	banking	banking	NOUN
aijes-7149	125	14	services	service	NOUN
aijes-7149	125	15	.	.	PUNCT
aijes-7149	126	1	additionally	additionally	ADV
aijes-7149	126	2	,	,	PUNCT
aijes-7149	126	3	online	online	ADJ
aijes-7149	126	4	customer	customer	NOUN
aijes-7149	126	5	support	support	NOUN
aijes-7149	126	6	may	may	AUX
aijes-7149	126	7	sometimes	sometimes	ADV
aijes-7149	126	8	be	be	AUX
aijes-7149	126	9	unable	unable	ADJ
aijes-7149	126	10	to	to	PART
aijes-7149	126	11	resolve	resolve	VERB
aijes-7149	126	12	more	more	ADJ
aijes-7149	126	13	complex	complex	ADJ
aijes-7149	126	14	issues	issue	NOUN
aijes-7149	126	15	,	,	PUNCT
aijes-7149	126	16	which	which	PRON
aijes-7149	126	17	can	can	AUX
aijes-7149	126	18	lead	lead	VERB
aijes-7149	126	19	to	to	ADP
aijes-7149	126	20	frustration	frustration	NOUN
aijes-7149	126	21	.	.	PUNCT
aijes-7149	127	1	digital	digital	ADJ
aijes-7149	127	2	exclusion	exclusion	NOUN
aijes-7149	127	3	.	.	PUNCT
aijes-7149	128	1	while	while	SCONJ
aijes-7149	128	2	innovative	innovative	ADJ
aijes-7149	128	3	banking	banking	NOUN
aijes-7149	128	4	services	service	NOUN
aijes-7149	128	5	promote	promote	VERB
aijes-7149	128	6	financial	financial	ADJ
aijes-7149	128	7	inclusion	inclusion	NOUN
aijes-7149	128	8	,	,	PUNCT
aijes-7149	128	9	they	they	PRON
aijes-7149	128	10	also	also	ADV
aijes-7149	128	11	drive	drive	VERB
aijes-7149	128	12	digital	digital	ADJ
aijes-7149	128	13	exclusion	exclusion	NOUN
aijes-7149	128	14	.	.	PUNCT
aijes-7149	129	1	people	people	NOUN
aijes-7149	129	2	without	without	ADP
aijes-7149	129	3	access	access	NOUN
aijes-7149	129	4	to	to	ADP
aijes-7149	129	5	technology	technology	NOUN
aijes-7149	129	6	and	and	CCONJ
aijes-7149	129	7	the	the	DET
aijes-7149	129	8	internet	internet	NOUN
aijes-7149	129	9	are	be	AUX
aijes-7149	129	10	unfortunately	unfortunately	ADV
aijes-7149	129	11	excluded	exclude	VERB
aijes-7149	129	12	from	from	ADP
aijes-7149	129	13	the	the	DET
aijes-7149	129	14	benefits	benefit	NOUN
aijes-7149	129	15	of	of	ADP
aijes-7149	129	16	modern	modern	ADJ
aijes-7149	129	17	banking	banking	NOUN
aijes-7149	129	18	services	service	NOUN
aijes-7149	129	19	.	.	PUNCT
aijes-7149	130	1	(	(	PUNCT
aijes-7149	130	2	indriasari	indriasari	NOUN
aijes-7149	130	3	,	,	PUNCT
aijes-7149	130	4	2022	2022	NUM
aijes-7149	130	5	)	)	PUNCT
aijes-7149	130	6	.	.	PUNCT
aijes-7149	131	1	5	5	X
aijes-7149	131	2	.	.	X
aijes-7149	131	3	methodology	methodology	NOUN
aijes-7149	131	4	this	this	DET
aijes-7149	131	5	article	article	NOUN
aijes-7149	131	6	employs	employ	VERB
aijes-7149	131	7	a	a	DET
aijes-7149	131	8	qualitative	qualitative	ADJ
aijes-7149	131	9	research	research	NOUN
aijes-7149	131	10	approach	approach	NOUN
aijes-7149	131	11	to	to	PART
aijes-7149	131	12	study	study	VERB
aijes-7149	131	13	the	the	DET
aijes-7149	131	14	types	type	NOUN
aijes-7149	131	15	of	of	ADP
aijes-7149	131	16	innovation	innovation	NOUN
aijes-7149	131	17	in	in	ADP
aijes-7149	131	18	modern	modern	ADJ
aijes-7149	131	19	banking	banking	NOUN
aijes-7149	131	20	services	service	NOUN
aijes-7149	131	21	,	,	PUNCT
aijes-7149	131	22	assess	assess	VERB
aijes-7149	131	23	their	their	PRON
aijes-7149	131	24	benefits	benefit	NOUN
aijes-7149	131	25	and	and	CCONJ
aijes-7149	131	26	challenges	challenge	NOUN
aijes-7149	131	27	,	,	PUNCT
aijes-7149	131	28	and	and	CCONJ
aijes-7149	131	29	analyze	analyze	VERB
aijes-7149	131	30	the	the	DET
aijes-7149	131	31	demographic	demographic	ADJ
aijes-7149	131	32	adoption	adoption	NOUN
aijes-7149	131	33	of	of	ADP
aijes-7149	131	34	digital	digital	ADJ
aijes-7149	131	35	banking	banking	NOUN
aijes-7149	131	36	services	service	NOUN
aijes-7149	131	37	across	across	ADP
aijes-7149	131	38	the	the	DET
aijes-7149	131	39	globe	globe	NOUN
aijes-7149	131	40	.	.	PUNCT
aijes-7149	132	1	a	a	DET
aijes-7149	132	2	literature	literature	NOUN
aijes-7149	132	3	review	review	NOUN
aijes-7149	132	4	was	be	AUX
aijes-7149	132	5	conducted	conduct	VERB
aijes-7149	132	6	to	to	PART
aijes-7149	132	7	write	write	VERB
aijes-7149	132	8	this	this	DET
aijes-7149	132	9	article	article	NOUN
aijes-7149	132	10	using	use	VERB
aijes-7149	132	11	relevant	relevant	ADJ
aijes-7149	132	12	academic	academic	ADJ
aijes-7149	132	13	articles	article	NOUN
aijes-7149	132	14	,	,	PUNCT
aijes-7149	132	15	books	book	NOUN
aijes-7149	132	16	,	,	PUNCT
aijes-7149	132	17	and	and	CCONJ
aijes-7149	132	18	journals	journal	NOUN
aijes-7149	132	19	.	.	PUNCT
aijes-7149	133	1	in	in	ADP
aijes-7149	133	2	addition	addition	NOUN
aijes-7149	133	3	,	,	PUNCT
aijes-7149	133	4	information	information	NOUN
aijes-7149	133	5	is	be	AUX
aijes-7149	133	6	collected	collect	VERB
aijes-7149	133	7	from	from	ADP
aijes-7149	133	8	both	both	CCONJ
aijes-7149	133	9	academic	academic	ADJ
aijes-7149	133	10	and	and	CCONJ
aijes-7149	133	11	industry	industry	NOUN
aijes-7149	133	12	sources	source	NOUN
aijes-7149	133	13	including	include	VERB
aijes-7149	133	14	reports	report	NOUN
aijes-7149	133	15	,	,	PUNCT
aijes-7149	133	16	regulations	regulation	NOUN
aijes-7149	133	17	,	,	PUNCT
aijes-7149	133	18	customer	customer	NOUN
aijes-7149	133	19	surveys	survey	NOUN
aijes-7149	133	20	and	and	CCONJ
aijes-7149	133	21	comments	comment	NOUN
aijes-7149	133	22	from	from	ADP
aijes-7149	133	23	banking	banking	NOUN
aijes-7149	133	24	professionals	professional	NOUN
aijes-7149	133	25	to	to	PART
aijes-7149	133	26	analyze	analyze	VERB
aijes-7149	133	27	the	the	DET
aijes-7149	133	28	benefits	benefit	NOUN
aijes-7149	133	29	and	and	CCONJ
aijes-7149	133	30	challenges	challenge	NOUN
aijes-7149	133	31	of	of	ADP
aijes-7149	133	32	innovation	innovation	NOUN
aijes-7149	133	33	.	.	PUNCT
aijes-7149	134	1	the	the	DET
aijes-7149	134	2	demographic	demographic	ADJ
aijes-7149	134	3	analysis	analysis	NOUN
aijes-7149	134	4	of	of	ADP
aijes-7149	134	5	digital	digital	ADJ
aijes-7149	134	6	banking	banking	NOUN
aijes-7149	134	7	services	service	NOUN
aijes-7149	134	8	was	be	AUX
aijes-7149	134	9	conducted	conduct	VERB
aijes-7149	134	10	using	use	VERB
aijes-7149	134	11	statistical	statistical	ADJ
aijes-7149	134	12	data	datum	NOUN
aijes-7149	134	13	from	from	ADP
aijes-7149	134	14	official	official	ADJ
aijes-7149	134	15	sources	source	NOUN
aijes-7149	134	16	such	such	ADJ
aijes-7149	134	17	as	as	ADP
aijes-7149	134	18	the	the	DET
aijes-7149	134	19	world	world	PROPN
aijes-7149	134	20	bank	bank	PROPN
aijes-7149	134	21	,	,	PUNCT
aijes-7149	134	22	international	international	ADJ
aijes-7149	134	23	monetary	monetary	ADJ
aijes-7149	134	24	fund	fund	NOUN
aijes-7149	134	25	(	(	PUNCT
aijes-7149	134	26	imf	imf	PROPN
aijes-7149	134	27	)	)	PUNCT
aijes-7149	134	28	,	,	PUNCT
aijes-7149	134	29	and	and	CCONJ
aijes-7149	134	30	various	various	ADJ
aijes-7149	134	31	national	national	ADJ
aijes-7149	134	32	banks	bank	NOUN
aijes-7149	134	33	of	of	ADP
aijes-7149	134	34	the	the	DET
aijes-7149	134	35	countries	country	NOUN
aijes-7149	134	36	.	.	PUNCT
aijes-7149	135	1	these	these	DET
aijes-7149	135	2	data	datum	NOUN
aijes-7149	135	3	were	be	AUX
aijes-7149	135	4	used	use	VERB
aijes-7149	135	5	to	to	PART
aijes-7149	135	6	study	study	VERB
aijes-7149	135	7	the	the	DET
aijes-7149	135	8	adoption	adoption	NOUN
aijes-7149	135	9	of	of	ADP
aijes-7149	135	10	digital	digital	PROPN
aijes-7149	135	11	nizami	nizami	PROPN
aijes-7149	135	12	khudiyev	khudiyev	PROPN
aijes-7149	135	13	,	,	PUNCT
aijes-7149	135	14	ragib	ragib	PROPN
aijes-7149	135	15	mammadli	mammadli	NOUN
aijes-7149	135	16	159	159	NUM
aijes-7149	135	17	banking	banking	NOUN
aijes-7149	135	18	services	service	NOUN
aijes-7149	135	19	across	across	ADP
aijes-7149	135	20	key	key	ADJ
aijes-7149	135	21	demographic	demographic	ADJ
aijes-7149	135	22	variables	variable	NOUN
aijes-7149	135	23	including	include	VERB
aijes-7149	135	24	age	age	NOUN
aijes-7149	135	25	,	,	PUNCT
aijes-7149	135	26	education	education	NOUN
aijes-7149	135	27	level	level	NOUN
aijes-7149	135	28	,	,	PUNCT
aijes-7149	135	29	income	income	NOUN
aijes-7149	135	30	level	level	NOUN
aijes-7149	135	31	,	,	PUNCT
aijes-7149	135	32	etc	etc	X
aijes-7149	135	33	.	.	X
aijes-7149	136	1	however	however	ADV
aijes-7149	136	2	,	,	PUNCT
aijes-7149	136	3	the	the	DET
aijes-7149	136	4	lack	lack	NOUN
aijes-7149	136	5	of	of	ADP
aijes-7149	136	6	detailed	detailed	ADJ
aijes-7149	136	7	data	datum	NOUN
aijes-7149	136	8	on	on	ADP
aijes-7149	136	9	the	the	DET
aijes-7149	136	10	adoption	adoption	NOUN
aijes-7149	136	11	of	of	ADP
aijes-7149	136	12	digital	digital	ADJ
aijes-7149	136	13	banking	banking	NOUN
aijes-7149	136	14	services	service	NOUN
aijes-7149	136	15	in	in	ADP
aijes-7149	136	16	developing	develop	VERB
aijes-7149	136	17	countries	country	NOUN
aijes-7149	136	18	is	be	AUX
aijes-7149	136	19	a	a	DET
aijes-7149	136	20	major	major	ADJ
aijes-7149	136	21	limitation	limitation	NOUN
aijes-7149	136	22	of	of	ADP
aijes-7149	136	23	this	this	DET
aijes-7149	136	24	study	study	NOUN
aijes-7149	136	25	.	.	PUNCT
aijes-7149	137	1	although	although	SCONJ
aijes-7149	137	2	this	this	DET
aijes-7149	137	3	article	article	NOUN
aijes-7149	137	4	does	do	AUX
aijes-7149	137	5	not	not	PART
aijes-7149	137	6	rely	rely	VERB
aijes-7149	137	7	on	on	ADP
aijes-7149	137	8	primary	primary	ADJ
aijes-7149	137	9	data	datum	NOUN
aijes-7149	137	10	collection	collection	NOUN
aijes-7149	137	11	,	,	PUNCT
aijes-7149	137	12	it	it	PRON
aijes-7149	137	13	provides	provide	VERB
aijes-7149	137	14	a	a	DET
aijes-7149	137	15	comprehensive	comprehensive	ADJ
aijes-7149	137	16	overview	overview	NOUN
aijes-7149	137	17	of	of	ADP
aijes-7149	137	18	the	the	DET
aijes-7149	137	19	existing	exist	VERB
aijes-7149	137	20	knowledge	knowledge	NOUN
aijes-7149	137	21	on	on	ADP
aijes-7149	137	22	innovation	innovation	NOUN
aijes-7149	137	23	in	in	ADP
aijes-7149	137	24	modern	modern	ADJ
aijes-7149	137	25	banking	banking	NOUN
aijes-7149	137	26	services	service	NOUN
aijes-7149	137	27	.	.	PUNCT
aijes-7149	138	1	6	6	X
aijes-7149	138	2	.	.	X
aijes-7149	138	3	results	result	VERB
aijes-7149	138	4	demographic	demographic	ADJ
aijes-7149	138	5	analysis	analysis	NOUN
aijes-7149	138	6	of	of	ADP
aijes-7149	138	7	innovative	innovative	ADJ
aijes-7149	138	8	banking	banking	NOUN
aijes-7149	138	9	services	service	NOUN
aijes-7149	138	10	from	from	ADP
aijes-7149	138	11	a	a	DET
aijes-7149	138	12	customer	customer	NOUN
aijes-7149	138	13	perspective	perspective	NOUN
aijes-7149	138	14	,	,	PUNCT
aijes-7149	138	15	the	the	DET
aijes-7149	138	16	primary	primary	ADJ
aijes-7149	138	17	banking	banking	NOUN
aijes-7149	138	18	innovation	innovation	NOUN
aijes-7149	138	19	is	be	AUX
aijes-7149	138	20	digital	digital	ADJ
aijes-7149	138	21	banking	banking	NOUN
aijes-7149	138	22	services	service	NOUN
aijes-7149	138	23	,	,	PUNCT
aijes-7149	138	24	which	which	PRON
aijes-7149	138	25	directly	directly	ADV
aijes-7149	138	26	influence	influence	VERB
aijes-7149	138	27	their	their	PRON
aijes-7149	138	28	behavior	behavior	NOUN
aijes-7149	138	29	.	.	PUNCT
aijes-7149	139	1	this	this	DET
aijes-7149	139	2	part	part	NOUN
aijes-7149	139	3	of	of	ADP
aijes-7149	139	4	the	the	DET
aijes-7149	139	5	article	article	NOUN
aijes-7149	139	6	analyzes	analyze	VERB
aijes-7149	139	7	the	the	DET
aijes-7149	139	8	demographic	demographic	ADJ
aijes-7149	139	9	structure	structure	NOUN
aijes-7149	139	10	of	of	ADP
aijes-7149	139	11	innovative	innovative	ADJ
aijes-7149	139	12	digital	digital	ADJ
aijes-7149	139	13	banking	banking	NOUN
aijes-7149	139	14	services	service	NOUN
aijes-7149	139	15	,	,	PUNCT
aijes-7149	139	16	focusing	focus	VERB
aijes-7149	139	17	on	on	ADP
aijes-7149	139	18	socioeconomic	socioeconomic	ADJ
aijes-7149	139	19	factors	factor	NOUN
aijes-7149	139	20	.	.	PUNCT
aijes-7149	140	1	figure	figure	VERB
aijes-7149	140	2	1	1	NUM
aijes-7149	140	3	:	:	PUNCT
aijes-7149	140	4	number	number	NOUN
aijes-7149	140	5	of	of	ADP
aijes-7149	140	6	digital	digital	ADJ
aijes-7149	140	7	banking	banking	NOUN
aijes-7149	140	8	users	user	NOUN
aijes-7149	140	9	2019	2019	NUM
aijes-7149	140	10	-	-	SYM
aijes-7149	140	11	2024	2024	NUM
aijes-7149	140	12	(	(	PUNCT
aijes-7149	140	13	in	in	ADP
aijes-7149	140	14	billions	billion	NOUN
aijes-7149	140	15	)	)	PUNCT
aijes-7149	140	16	source	source	NOUN
aijes-7149	140	17	:	:	PUNCT
aijes-7149	140	18	world	world	PROPN
aijes-7149	140	19	bank	bank	PROPN
aijes-7149	140	20	and	and	CCONJ
aijes-7149	140	21	imf	imf	PROPN
aijes-7149	140	22	reports	report	NOUN
aijes-7149	140	23	.	.	PUNCT
aijes-7149	141	1	as	as	SCONJ
aijes-7149	141	2	shown	show	VERB
aijes-7149	141	3	in	in	ADP
aijes-7149	141	4	figure	figure	NOUN
aijes-7149	141	5	1	1	NUM
aijes-7149	141	6	,	,	PUNCT
aijes-7149	141	7	the	the	DET
aijes-7149	141	8	number	number	NOUN
aijes-7149	141	9	of	of	ADP
aijes-7149	141	10	users	user	NOUN
aijes-7149	141	11	of	of	ADP
aijes-7149	141	12	modern	modern	ADJ
aijes-7149	141	13	digital	digital	ADJ
aijes-7149	141	14	banking	banking	NOUN
aijes-7149	141	15	services	service	NOUN
aijes-7149	141	16	continues	continue	VERB
aijes-7149	141	17	to	to	PART
aijes-7149	141	18	grow	grow	VERB
aijes-7149	141	19	worldwide	worldwide	ADV
aijes-7149	141	20	every	every	DET
aijes-7149	141	21	year	year	NOUN
aijes-7149	141	22	.	.	PUNCT
aijes-7149	142	1	especially	especially	ADV
aijes-7149	142	2	during	during	ADP
aijes-7149	142	3	the	the	DET
aijes-7149	142	4	covid-19	covid-19	PROPN
aijes-7149	142	5	pandemic	pandemic	NOUN
aijes-7149	142	6	,	,	PUNCT
aijes-7149	142	7	lockdowns	lockdown	NOUN
aijes-7149	142	8	have	have	AUX
aijes-7149	142	9	boosted	boost	VERB
aijes-7149	142	10	the	the	DET
aijes-7149	142	11	use	use	NOUN
aijes-7149	142	12	of	of	ADP
aijes-7149	142	13	these	these	DET
aijes-7149	142	14	services	service	NOUN
aijes-7149	142	15	.	.	PUNCT
aijes-7149	143	1	by	by	ADP
aijes-7149	143	2	2024	2024	NUM
aijes-7149	143	3	,	,	PUNCT
aijes-7149	143	4	more	more	ADJ
aijes-7149	143	5	than	than	ADP
aijes-7149	143	6	3	3	NUM
aijes-7149	143	7	billion	billion	NUM
aijes-7149	143	8	people	people	NOUN
aijes-7149	143	9	use	use	VERB
aijes-7149	143	10	at	at	ADV
aijes-7149	143	11	least	least	ADV
aijes-7149	143	12	one	one	NUM
aijes-7149	143	13	digital	digital	ADJ
aijes-7149	143	14	banking	banking	NOUN
aijes-7149	143	15	service	service	NOUN
aijes-7149	143	16	during	during	ADP
aijes-7149	143	17	the	the	DET
aijes-7149	143	18	year	year	NOUN
aijes-7149	143	19	.	.	PUNCT
aijes-7149	144	1	figure	figure	NOUN
aijes-7149	144	2	2	2	NUM
aijes-7149	144	3	:	:	PUNCT
aijes-7149	144	4	percentage	percentage	NOUN
aijes-7149	144	5	of	of	ADP
aijes-7149	144	6	adults	adult	NOUN
aijes-7149	144	7	using	use	VERB
aijes-7149	144	8	digital	digital	ADJ
aijes-7149	144	9	banking	banking	NOUN
aijes-7149	144	10	services	service	NOUN
aijes-7149	144	11	in	in	ADP
aijes-7149	144	12	developed	develop	VERB
aijes-7149	144	13	countries	country	NOUN
aijes-7149	144	14	(	(	PUNCT
aijes-7149	144	15	2024	2024	NUM
aijes-7149	144	16	)	)	PUNCT
aijes-7149	144	17	source	source	NOUN
aijes-7149	144	18	:	:	PUNCT
aijes-7149	144	19	world	world	PROPN
aijes-7149	144	20	bank	bank	PROPN
aijes-7149	144	21	and	and	CCONJ
aijes-7149	144	22	official	official	ADJ
aijes-7149	144	23	websites	website	NOUN
aijes-7149	144	24	of	of	ADP
aijes-7149	144	25	banks	bank	NOUN
aijes-7149	144	26	.	.	PUNCT
aijes-7149	145	1	1.7	1.7	NUM
aijes-7149	145	2	2.1	2.1	NUM
aijes-7149	145	3	2.4	2.4	NUM
aijes-7149	145	4	2.7	2.7	NUM
aijes-7149	145	5	2.9	2.9	NUM
aijes-7149	145	6	3	3	NUM
aijes-7149	145	7	2019	2019	NUM
aijes-7149	145	8	2020	2020	NUM
aijes-7149	145	9	2021	2021	NUM
aijes-7149	145	10	2022	2022	NUM
aijes-7149	145	11	2023	2023	NUM
aijes-7149	145	12	2024	2024	NUM
aijes-7149	145	13	96	96	NUM
aijes-7149	145	14	90	90	NUM
aijes-7149	145	15	76	76	NUM
aijes-7149	145	16	68	68	NUM
aijes-7149	145	17	61	61	NUM
aijes-7149	145	18	45	45	NUM
aijes-7149	145	19	developed	develop	VERB
aijes-7149	145	20	countries	country	NOUN
aijes-7149	145	21	south	south	PROPN
aijes-7149	145	22	korea	korea	PROPN
aijes-7149	145	23	singapore	singapore	PROPN
aijes-7149	145	24	france	france	PROPN
aijes-7149	145	25	united	united	PROPN
aijes-7149	145	26	kingdom	kingdom	PROPN
aijes-7149	145	27	united	united	PROPN
aijes-7149	145	28	states	states	PROPN
aijes-7149	145	29	japan	japan	PROPN
aijes-7149	145	30	fundamentals	fundamental	NOUN
aijes-7149	145	31	of	of	ADP
aijes-7149	145	32	innovation	innovation	NOUN
aijes-7149	145	33	in	in	ADP
aijes-7149	145	34	modern	modern	ADJ
aijes-7149	145	35	banking	banking	NOUN
aijes-7149	145	36	services	service	NOUN
aijes-7149	145	37	160	160	NUM
aijes-7149	145	38	the	the	DET
aijes-7149	145	39	percentage	percentage	NOUN
aijes-7149	145	40	of	of	ADP
aijes-7149	145	41	the	the	DET
aijes-7149	145	42	adult	adult	NOUN
aijes-7149	145	43	population	population	NOUN
aijes-7149	145	44	using	use	VERB
aijes-7149	145	45	innovative	innovative	ADJ
aijes-7149	145	46	banking	banking	NOUN
aijes-7149	145	47	services	service	NOUN
aijes-7149	145	48	is	be	AUX
aijes-7149	145	49	generally	generally	ADV
aijes-7149	145	50	higher	high	ADJ
aijes-7149	145	51	in	in	ADP
aijes-7149	145	52	developed	develop	VERB
aijes-7149	145	53	countries	country	NOUN
aijes-7149	145	54	.	.	PUNCT
aijes-7149	146	1	(	(	PUNCT
aijes-7149	146	2	figure	figure	NOUN
aijes-7149	146	3	2	2	NUM
aijes-7149	146	4	)	)	PUNCT
aijes-7149	146	5	.	.	PUNCT
aijes-7149	147	1	a	a	DET
aijes-7149	147	2	higher	high	ADJ
aijes-7149	147	3	hdi	hdi	NOUN
aijes-7149	147	4	,	,	PUNCT
aijes-7149	147	5	strong	strong	ADJ
aijes-7149	147	6	technological	technological	ADJ
aijes-7149	147	7	infrastructure	infrastructure	NOUN
aijes-7149	147	8	,	,	PUNCT
aijes-7149	147	9	higher	high	ADJ
aijes-7149	147	10	income	income	NOUN
aijes-7149	147	11	and	and	CCONJ
aijes-7149	147	12	literacy	literacy	NOUN
aijes-7149	147	13	levels	level	NOUN
aijes-7149	147	14	are	be	AUX
aijes-7149	147	15	the	the	DET
aijes-7149	147	16	main	main	ADJ
aijes-7149	147	17	factors	factor	NOUN
aijes-7149	147	18	that	that	PRON
aijes-7149	147	19	positively	positively	ADV
aijes-7149	147	20	influence	influence	VERB
aijes-7149	147	21	the	the	DET
aijes-7149	147	22	adoption	adoption	NOUN
aijes-7149	147	23	rate	rate	NOUN
aijes-7149	147	24	of	of	ADP
aijes-7149	147	25	innovative	innovative	ADJ
aijes-7149	147	26	advances	advance	NOUN
aijes-7149	147	27	by	by	ADP
aijes-7149	147	28	the	the	DET
aijes-7149	147	29	population	population	NOUN
aijes-7149	147	30	.	.	PUNCT
aijes-7149	148	1	figure	figure	VERB
aijes-7149	148	2	3	3	NUM
aijes-7149	148	3	:	:	PUNCT
aijes-7149	148	4	percentage	percentage	NOUN
aijes-7149	148	5	of	of	ADP
aijes-7149	148	6	adults	adult	NOUN
aijes-7149	148	7	using	use	VERB
aijes-7149	148	8	digital	digital	ADJ
aijes-7149	148	9	banking	banking	NOUN
aijes-7149	148	10	services	service	NOUN
aijes-7149	148	11	in	in	ADP
aijes-7149	148	12	developing	develop	VERB
aijes-7149	148	13	countries	country	NOUN
aijes-7149	148	14	(	(	PUNCT
aijes-7149	148	15	2024	2024	NUM
aijes-7149	148	16	)	)	PUNCT
aijes-7149	148	17	source	source	NOUN
aijes-7149	148	18	:	:	PUNCT
aijes-7149	148	19	world	world	PROPN
aijes-7149	148	20	bank	bank	PROPN
aijes-7149	148	21	and	and	CCONJ
aijes-7149	148	22	official	official	ADJ
aijes-7149	148	23	websites	website	NOUN
aijes-7149	148	24	of	of	ADP
aijes-7149	148	25	banks	bank	NOUN
aijes-7149	148	26	.	.	PUNCT
aijes-7149	149	1	figure	figure	VERB
aijes-7149	149	2	3	3	NUM
aijes-7149	149	3	shows	show	VERB
aijes-7149	149	4	that	that	SCONJ
aijes-7149	149	5	the	the	DET
aijes-7149	149	6	adoption	adoption	NOUN
aijes-7149	149	7	rate	rate	NOUN
aijes-7149	149	8	of	of	ADP
aijes-7149	149	9	innovative	innovative	ADJ
aijes-7149	149	10	banking	banking	NOUN
aijes-7149	149	11	services	service	NOUN
aijes-7149	149	12	among	among	ADP
aijes-7149	149	13	adults	adult	NOUN
aijes-7149	149	14	in	in	ADP
aijes-7149	149	15	developing	develop	VERB
aijes-7149	149	16	countries	country	NOUN
aijes-7149	149	17	is	be	AUX
aijes-7149	149	18	significantly	significantly	ADV
aijes-7149	149	19	lower	low	ADJ
aijes-7149	149	20	than	than	ADP
aijes-7149	149	21	in	in	ADP
aijes-7149	149	22	developed	developed	ADJ
aijes-7149	149	23	countries	country	NOUN
aijes-7149	149	24	.	.	PUNCT
aijes-7149	150	1	factors	factor	NOUN
aijes-7149	150	2	such	such	ADJ
aijes-7149	150	3	as	as	ADP
aijes-7149	150	4	weak	weak	ADJ
aijes-7149	150	5	technological	technological	ADJ
aijes-7149	150	6	infrastructure	infrastructure	NOUN
aijes-7149	150	7	,	,	PUNCT
aijes-7149	150	8	poor	poor	ADJ
aijes-7149	150	9	internet	internet	NOUN
aijes-7149	150	10	quality	quality	NOUN
aijes-7149	150	11	,	,	PUNCT
aijes-7149	150	12	low	low	ADJ
aijes-7149	150	13	incomes	income	NOUN
aijes-7149	150	14	and	and	CCONJ
aijes-7149	150	15	poverty	poverty	NOUN
aijes-7149	150	16	slow	slow	ADJ
aijes-7149	150	17	down	down	ADP
aijes-7149	150	18	the	the	DET
aijes-7149	150	19	adoption	adoption	NOUN
aijes-7149	150	20	of	of	ADP
aijes-7149	150	21	modern	modern	ADJ
aijes-7149	150	22	innovations	innovation	NOUN
aijes-7149	150	23	.	.	PUNCT
aijes-7149	151	1	younger	young	ADJ
aijes-7149	151	2	generations	generation	NOUN
aijes-7149	151	3	are	be	AUX
aijes-7149	151	4	the	the	DET
aijes-7149	151	5	primary	primary	ADJ
aijes-7149	151	6	users	user	NOUN
aijes-7149	151	7	of	of	ADP
aijes-7149	151	8	innovative	innovative	ADJ
aijes-7149	151	9	banking	banking	NOUN
aijes-7149	151	10	services	service	NOUN
aijes-7149	151	11	globally	globally	ADV
aijes-7149	151	12	.	.	PUNCT
aijes-7149	152	1	according	accord	VERB
aijes-7149	152	2	to	to	ADP
aijes-7149	152	3	a	a	DET
aijes-7149	152	4	2024	2024	NUM
aijes-7149	152	5	survey	survey	NOUN
aijes-7149	152	6	,	,	PUNCT
aijes-7149	152	7	93	93	NUM
aijes-7149	152	8	%	%	NOUN
aijes-7149	152	9	of	of	ADP
aijes-7149	152	10	millennials	millennial	NOUN
aijes-7149	152	11	and	and	CCONJ
aijes-7149	152	12	81	81	NUM
aijes-7149	152	13	%	%	NOUN
aijes-7149	152	14	of	of	ADP
aijes-7149	152	15	gen	gen	PROPN
aijes-7149	152	16	z	z	NOUN
aijes-7149	152	17	use	use	VERB
aijes-7149	152	18	digital	digital	ADJ
aijes-7149	152	19	banking	banking	NOUN
aijes-7149	152	20	platforms	platform	NOUN
aijes-7149	152	21	for	for	ADP
aijes-7149	152	22	at	at	ADV
aijes-7149	152	23	least	least	ADV
aijes-7149	152	24	one	one	NUM
aijes-7149	152	25	financial	financial	ADJ
aijes-7149	152	26	service	service	NOUN
aijes-7149	152	27	.	.	PUNCT
aijes-7149	153	1	while	while	SCONJ
aijes-7149	153	2	gen	gen	PROPN
aijes-7149	153	3	z	z	NOUN
aijes-7149	153	4	customers	customer	NOUN
aijes-7149	153	5	adapt	adapt	VERB
aijes-7149	153	6	quickly	quickly	ADV
aijes-7149	153	7	to	to	ADP
aijes-7149	153	8	every	every	DET
aijes-7149	153	9	innovation	innovation	NOUN
aijes-7149	153	10	,	,	PUNCT
aijes-7149	153	11	millennials	millennial	NOUN
aijes-7149	153	12	are	be	AUX
aijes-7149	153	13	the	the	DET
aijes-7149	153	14	main	main	ADJ
aijes-7149	153	15	users	user	NOUN
aijes-7149	153	16	of	of	ADP
aijes-7149	153	17	innovative	innovative	ADJ
aijes-7149	153	18	banking	banking	NOUN
aijes-7149	153	19	services	service	NOUN
aijes-7149	153	20	.	.	PUNCT
aijes-7149	154	1	older	old	ADJ
aijes-7149	154	2	generations	generation	NOUN
aijes-7149	154	3	favor	favor	VERB
aijes-7149	154	4	traditional	traditional	ADJ
aijes-7149	154	5	face	face	NOUN
aijes-7149	154	6	-	-	PUNCT
aijes-7149	154	7	to	to	ADP
aijes-7149	154	8	-	-	PUNCT
aijes-7149	154	9	face	face	NOUN
aijes-7149	154	10	banking	banking	NOUN
aijes-7149	154	11	services	service	NOUN
aijes-7149	154	12	and	and	CCONJ
aijes-7149	154	13	the	the	DET
aijes-7149	154	14	adoption	adoption	NOUN
aijes-7149	154	15	rate	rate	NOUN
aijes-7149	154	16	of	of	ADP
aijes-7149	154	17	innovative	innovative	ADJ
aijes-7149	154	18	services	service	NOUN
aijes-7149	154	19	is	be	AUX
aijes-7149	154	20	relatively	relatively	ADV
aijes-7149	154	21	low	low	ADJ
aijes-7149	154	22	among	among	ADP
aijes-7149	154	23	these	these	DET
aijes-7149	154	24	customers	customer	NOUN
aijes-7149	154	25	.	.	PUNCT
aijes-7149	155	1	income	income	NOUN
aijes-7149	155	2	level	level	NOUN
aijes-7149	155	3	of	of	ADP
aijes-7149	155	4	customer	customer	NOUN
aijes-7149	155	5	has	have	VERB
aijes-7149	155	6	a	a	DET
aijes-7149	155	7	direct	direct	ADJ
aijes-7149	155	8	impact	impact	NOUN
aijes-7149	155	9	on	on	ADP
aijes-7149	155	10	the	the	DET
aijes-7149	155	11	adoption	adoption	NOUN
aijes-7149	155	12	rate	rate	NOUN
aijes-7149	155	13	of	of	ADP
aijes-7149	155	14	innovative	innovative	ADJ
aijes-7149	155	15	banking	banking	NOUN
aijes-7149	155	16	services	service	NOUN
aijes-7149	155	17	.	.	PUNCT
aijes-7149	156	1	higher	high	ADJ
aijes-7149	156	2	-	-	PUNCT
aijes-7149	156	3	income	income	NOUN
aijes-7149	156	4	individuals	individual	NOUN
aijes-7149	156	5	tend	tend	VERB
aijes-7149	156	6	to	to	PART
aijes-7149	156	7	use	use	VERB
aijes-7149	156	8	modern	modern	ADJ
aijes-7149	156	9	banking	banking	NOUN
aijes-7149	156	10	platforms	platform	NOUN
aijes-7149	156	11	more	more	ADV
aijes-7149	156	12	frequently	frequently	ADV
aijes-7149	156	13	and	and	CCONJ
aijes-7149	156	14	require	require	VERB
aijes-7149	156	15	a	a	DET
aijes-7149	156	16	wide	wide	ADJ
aijes-7149	156	17	range	range	NOUN
aijes-7149	156	18	of	of	ADP
aijes-7149	156	19	financial	financial	ADJ
aijes-7149	156	20	services	service	NOUN
aijes-7149	156	21	,	,	PUNCT
aijes-7149	156	22	such	such	ADJ
aijes-7149	156	23	as	as	ADP
aijes-7149	156	24	investment	investment	NOUN
aijes-7149	156	25	advice	advice	NOUN
aijes-7149	156	26	,	,	PUNCT
aijes-7149	156	27	wealth	wealth	NOUN
aijes-7149	156	28	management	management	NOUN
aijes-7149	156	29	or	or	CCONJ
aijes-7149	156	30	cryptocurrencies	cryptocurrencie	NOUN
aijes-7149	156	31	.	.	PUNCT
aijes-7149	157	1	(	(	PUNCT
aijes-7149	157	2	brown	brown	PROPN
aijes-7149	157	3	&	&	CCONJ
aijes-7149	157	4	nyarondia	nyarondia	PROPN
aijes-7149	157	5	,	,	PUNCT
aijes-7149	157	6	2023	2023	NUM
aijes-7149	157	7	)	)	PUNCT
aijes-7149	157	8	.	.	PUNCT
aijes-7149	158	1	education	education	NOUN
aijes-7149	158	2	is	be	AUX
aijes-7149	158	3	another	another	DET
aijes-7149	158	4	factor	factor	NOUN
aijes-7149	158	5	influencing	influence	VERB
aijes-7149	158	6	customer	customer	NOUN
aijes-7149	158	7	behavior	behavior	NOUN
aijes-7149	158	8	.	.	PUNCT
aijes-7149	159	1	more	more	ADV
aijes-7149	159	2	educated	educate	VERB
aijes-7149	159	3	customers	customer	NOUN
aijes-7149	159	4	generally	generally	ADV
aijes-7149	159	5	have	have	VERB
aijes-7149	159	6	better	well	ADJ
aijes-7149	159	7	financial	financial	ADJ
aijes-7149	159	8	literacy	literacy	NOUN
aijes-7149	159	9	,	,	PUNCT
aijes-7149	159	10	easily	easily	ADV
aijes-7149	159	11	understand	understand	VERB
aijes-7149	159	12	and	and	CCONJ
aijes-7149	159	13	use	use	VERB
aijes-7149	159	14	digital	digital	ADJ
aijes-7149	159	15	banking	banking	NOUN
aijes-7149	159	16	services	service	NOUN
aijes-7149	159	17	,	,	PUNCT
aijes-7149	159	18	and	and	CCONJ
aijes-7149	159	19	quickly	quickly	ADV
aijes-7149	159	20	adopt	adopt	VERB
aijes-7149	159	21	new	new	ADJ
aijes-7149	159	22	innovations	innovation	NOUN
aijes-7149	159	23	.	.	PUNCT
aijes-7149	160	1	7	7	X
aijes-7149	160	2	.	.	X
aijes-7149	160	3	discussions	discussion	NOUN
aijes-7149	160	4	/	/	SYM
aijes-7149	160	5	conclusions	conclusion	NOUN
aijes-7149	160	6	like	like	ADP
aijes-7149	160	7	other	other	ADJ
aijes-7149	160	8	industries	industry	NOUN
aijes-7149	160	9	,	,	PUNCT
aijes-7149	160	10	modern	modern	ADJ
aijes-7149	160	11	innovation	innovation	NOUN
aijes-7149	160	12	is	be	AUX
aijes-7149	160	13	transforming	transform	VERB
aijes-7149	160	14	the	the	DET
aijes-7149	160	15	traditional	traditional	ADJ
aijes-7149	160	16	banking	banking	NOUN
aijes-7149	160	17	concept	concept	NOUN
aijes-7149	160	18	.	.	PUNCT
aijes-7149	161	1	application	application	NOUN
aijes-7149	161	2	of	of	ADP
aijes-7149	161	3	innovation	innovation	NOUN
aijes-7149	161	4	in	in	ADP
aijes-7149	161	5	banking	banking	NOUN
aijes-7149	161	6	services	service	NOUN
aijes-7149	161	7	improves	improve	VERB
aijes-7149	161	8	their	their	PRON
aijes-7149	161	9	accessibility	accessibility	NOUN
aijes-7149	161	10	,	,	PUNCT
aijes-7149	161	11	makes	make	VERB
aijes-7149	161	12	them	they	PRON
aijes-7149	161	13	more	more	ADV
aijes-7149	161	14	convenient	convenient	ADJ
aijes-7149	161	15	for	for	ADP
aijes-7149	161	16	customers	customer	NOUN
aijes-7149	161	17	,	,	PUNCT
aijes-7149	161	18	increases	increase	VERB
aijes-7149	161	19	transparency	transparency	NOUN
aijes-7149	161	20	and	and	CCONJ
aijes-7149	161	21	efficiency	efficiency	NOUN
aijes-7149	161	22	,	,	PUNCT
aijes-7149	161	23	and	and	CCONJ
aijes-7149	161	24	reduces	reduce	VERB
aijes-7149	161	25	costs	cost	NOUN
aijes-7149	161	26	for	for	ADP
aijes-7149	161	27	both	both	DET
aijes-7149	161	28	banks	bank	NOUN
aijes-7149	161	29	and	and	CCONJ
aijes-7149	161	30	customers	customer	NOUN
aijes-7149	161	31	.	.	PUNCT
aijes-7149	162	1	(	(	PUNCT
aijes-7149	162	2	lin	lin	PROPN
aijes-7149	162	3	,	,	PUNCT
aijes-7149	162	4	liu	liu	PROPN
aijes-7149	162	5	&	&	CCONJ
aijes-7149	162	6	wei	wei	PROPN
aijes-7149	162	7	,	,	PUNCT
aijes-7149	162	8	2023	2023	NUM
aijes-7149	162	9	)	)	PUNCT
aijes-7149	162	10	.	.	PUNCT
aijes-7149	163	1	however	however	ADV
aijes-7149	163	2	,	,	PUNCT
aijes-7149	163	3	they	they	PRON
aijes-7149	163	4	also	also	ADV
aijes-7149	163	5	come	come	VERB
aijes-7149	163	6	with	with	ADP
aijes-7149	163	7	a	a	DET
aijes-7149	163	8	number	number	NOUN
aijes-7149	163	9	of	of	ADP
aijes-7149	163	10	challenges	challenge	NOUN
aijes-7149	163	11	such	such	ADJ
aijes-7149	163	12	as	as	ADP
aijes-7149	163	13	privacy	privacy	NOUN
aijes-7149	163	14	,	,	PUNCT
aijes-7149	163	15	security	security	NOUN
aijes-7149	163	16	and	and	CCONJ
aijes-7149	163	17	technical	technical	ADJ
aijes-7149	163	18	problems	problem	NOUN
aijes-7149	163	19	.	.	PUNCT
aijes-7149	164	1	these	these	DET
aijes-7149	164	2	challenges	challenge	NOUN
aijes-7149	164	3	require	require	VERB
aijes-7149	164	4	careful	careful	ADJ
aijes-7149	164	5	attention	attention	NOUN
aijes-7149	164	6	from	from	ADP
aijes-7149	164	7	banks	bank	NOUN
aijes-7149	164	8	and	and	CCONJ
aijes-7149	164	9	financial	financial	ADJ
aijes-7149	164	10	institutions	institution	NOUN
aijes-7149	164	11	.	.	PUNCT
aijes-7149	165	1	42	42	NUM
aijes-7149	165	2	30	30	NUM
aijes-7149	165	3	19	19	NUM
aijes-7149	165	4	15	15	NUM
aijes-7149	165	5	11	11	NUM
aijes-7149	165	6	5	5	NUM
aijes-7149	165	7	developing	develop	VERB
aijes-7149	165	8	countries	country	NOUN
aijes-7149	165	9	brazil	brazil	PROPN
aijes-7149	165	10	nigeria	nigeria	PROPN
aijes-7149	165	11	pakistan	pakistan	PROPN
aijes-7149	165	12	kenya	kenya	PROPN
aijes-7149	165	13	bangladesh	bangladesh	PROPN
aijes-7149	165	14	yemen	yemen	PROPN
aijes-7149	165	15	nizami	nizami	PROPN
aijes-7149	165	16	khudiyev	khudiyev	PROPN
aijes-7149	165	17	,	,	PUNCT
aijes-7149	165	18	ragib	ragib	PROPN
aijes-7149	165	19	mammadli	mammadli	NOUN
aijes-7149	165	20	161	161	NUM
aijes-7149	165	21	the	the	DET
aijes-7149	165	22	demographic	demographic	ADJ
aijes-7149	165	23	analysis	analysis	NOUN
aijes-7149	165	24	in	in	ADP
aijes-7149	165	25	this	this	DET
aijes-7149	165	26	article	article	NOUN
aijes-7149	165	27	reveals	reveal	VERB
aijes-7149	165	28	that	that	SCONJ
aijes-7149	165	29	several	several	ADJ
aijes-7149	165	30	socioeconomic	socioeconomic	ADJ
aijes-7149	165	31	factors	factor	NOUN
aijes-7149	165	32	,	,	PUNCT
aijes-7149	165	33	such	such	ADJ
aijes-7149	165	34	as	as	ADP
aijes-7149	165	35	quality	quality	NOUN
aijes-7149	165	36	of	of	ADP
aijes-7149	165	37	life	life	NOUN
aijes-7149	165	38	,	,	PUNCT
aijes-7149	165	39	country	country	NOUN
aijes-7149	165	40	infrastructure	infrastructure	NOUN
aijes-7149	165	41	,	,	PUNCT
aijes-7149	165	42	education	education	NOUN
aijes-7149	165	43	level	level	NOUN
aijes-7149	165	44	and	and	CCONJ
aijes-7149	165	45	income	income	NOUN
aijes-7149	165	46	level	level	NOUN
aijes-7149	165	47	of	of	ADP
aijes-7149	165	48	customers	customer	NOUN
aijes-7149	165	49	influence	influence	VERB
aijes-7149	165	50	their	their	PRON
aijes-7149	165	51	adoption	adoption	NOUN
aijes-7149	165	52	of	of	ADP
aijes-7149	165	53	digital	digital	ADJ
aijes-7149	165	54	banking	banking	NOUN
aijes-7149	165	55	services	service	NOUN
aijes-7149	165	56	.	.	PUNCT
aijes-7149	166	1	(	(	PUNCT
aijes-7149	166	2	brown	brown	PROPN
aijes-7149	166	3	&	&	CCONJ
aijes-7149	166	4	nyarondia	nyarondia	PROPN
aijes-7149	166	5	,	,	PUNCT
aijes-7149	166	6	2023	2023	NUM
aijes-7149	166	7	)	)	PUNCT
aijes-7149	166	8	.	.	PUNCT
aijes-7149	167	1	moreover	moreover	ADV
aijes-7149	167	2	,	,	PUNCT
aijes-7149	167	3	analysis	analysis	NOUN
aijes-7149	167	4	by	by	ADP
aijes-7149	167	5	customer	customer	NOUN
aijes-7149	167	6	age	age	NOUN
aijes-7149	167	7	shows	show	VERB
aijes-7149	167	8	that	that	SCONJ
aijes-7149	167	9	older	old	ADJ
aijes-7149	167	10	customers	customer	NOUN
aijes-7149	167	11	are	be	AUX
aijes-7149	167	12	more	more	ADV
aijes-7149	167	13	reluctant	reluctant	ADJ
aijes-7149	167	14	to	to	PART
aijes-7149	167	15	use	use	VERB
aijes-7149	167	16	these	these	DET
aijes-7149	167	17	services	service	NOUN
aijes-7149	167	18	and	and	CCONJ
aijes-7149	167	19	prefer	prefer	VERB
aijes-7149	167	20	traditional	traditional	ADJ
aijes-7149	167	21	banking	banking	NOUN
aijes-7149	167	22	methods	method	NOUN
aijes-7149	167	23	.	.	PUNCT
aijes-7149	168	1	but	but	CCONJ
aijes-7149	168	2	today	today	NOUN
aijes-7149	168	3	,	,	PUNCT
aijes-7149	168	4	the	the	DET
aijes-7149	168	5	banking	banking	NOUN
aijes-7149	168	6	industry	industry	NOUN
aijes-7149	168	7	is	be	AUX
aijes-7149	168	8	unimaginable	unimaginable	ADJ
aijes-7149	168	9	without	without	ADP
aijes-7149	168	10	innovative	innovative	ADJ
aijes-7149	168	11	advances	advance	NOUN
aijes-7149	168	12	.	.	PUNCT
aijes-7149	169	1	every	every	DET
aijes-7149	169	2	bank	bank	NOUN
aijes-7149	169	3	must	must	AUX
aijes-7149	169	4	implement	implement	VERB
aijes-7149	169	5	innovation	innovation	NOUN
aijes-7149	169	6	in	in	ADP
aijes-7149	169	7	banking	banking	NOUN
aijes-7149	169	8	services	service	NOUN
aijes-7149	169	9	and	and	CCONJ
aijes-7149	169	10	management	management	NOUN
aijes-7149	169	11	to	to	PART
aijes-7149	169	12	remain	remain	VERB
aijes-7149	169	13	competitive	competitive	ADJ
aijes-7149	169	14	in	in	ADP
aijes-7149	169	15	the	the	DET
aijes-7149	169	16	financial	financial	ADJ
aijes-7149	169	17	sector	sector	NOUN
aijes-7149	169	18	.	.	PUNCT
aijes-7149	170	1	to	to	PART
aijes-7149	170	2	minimize	minimize	VERB
aijes-7149	170	3	the	the	DET
aijes-7149	170	4	risks	risk	NOUN
aijes-7149	170	5	and	and	CCONJ
aijes-7149	170	6	problems	problem	NOUN
aijes-7149	170	7	associated	associate	VERB
aijes-7149	170	8	with	with	ADP
aijes-7149	170	9	innovation	innovation	NOUN
aijes-7149	170	10	,	,	PUNCT
aijes-7149	170	11	banks	bank	NOUN
aijes-7149	170	12	should	should	AUX
aijes-7149	170	13	follow	follow	VERB
aijes-7149	170	14	these	these	DET
aijes-7149	170	15	recommendations	recommendation	NOUN
aijes-7149	170	16	:	:	PUNCT
aijes-7149	170	17			NOUN
aijes-7149	170	18	strengthen	strengthen	VERB
aijes-7149	170	19	security	security	NOUN
aijes-7149	170	20	mechanisms	mechanism	NOUN
aijes-7149	170	21	to	to	PART
aijes-7149	170	22	protect	protect	VERB
aijes-7149	170	23	data	datum	NOUN
aijes-7149	170	24	and	and	CCONJ
aijes-7149	170	25	prevent	prevent	VERB
aijes-7149	170	26	potential	potential	ADJ
aijes-7149	170	27	financial	financial	ADJ
aijes-7149	170	28	losses	loss	NOUN
aijes-7149	170	29	for	for	ADP
aijes-7149	170	30	both	both	CCONJ
aijes-7149	170	31	the	the	DET
aijes-7149	170	32	bank	bank	NOUN
aijes-7149	170	33	and	and	CCONJ
aijes-7149	170	34	its	its	PRON
aijes-7149	170	35	customers	customer	NOUN
aijes-7149	170	36	.	.	PUNCT
aijes-7149	171	1			PROPN
aijes-7149	171	2	regularly	regularly	ADV
aijes-7149	171	3	check	check	VERB
aijes-7149	171	4	innovative	innovative	ADJ
aijes-7149	171	5	banking	banking	NOUN
aijes-7149	171	6	systems	system	NOUN
aijes-7149	171	7	to	to	PART
aijes-7149	171	8	identify	identify	VERB
aijes-7149	171	9	errors	error	NOUN
aijes-7149	171	10	,	,	PUNCT
aijes-7149	171	11	vulnerabilities	vulnerability	NOUN
aijes-7149	171	12	,	,	PUNCT
aijes-7149	171	13	and	and	CCONJ
aijes-7149	171	14	potential	potential	ADJ
aijes-7149	171	15	risks	risk	NOUN
aijes-7149	171	16	.	.	PUNCT
aijes-7149	172	1			X
aijes-7149	172	2	implement	implement	VERB
aijes-7149	172	3	24/7	24/7	PROPN
aijes-7149	172	4	monitoring	monitoring	NOUN
aijes-7149	172	5	systems	system	NOUN
aijes-7149	172	6	to	to	PART
aijes-7149	172	7	prevent	prevent	VERB
aijes-7149	172	8	cyberattacks	cyberattack	NOUN
aijes-7149	172	9	and	and	CCONJ
aijes-7149	172	10	detect	detect	VERB
aijes-7149	172	11	suspicious	suspicious	ADJ
aijes-7149	172	12	transactions	transaction	NOUN
aijes-7149	172	13	.	.	PUNCT
aijes-7149	173	1			NOUN
aijes-7149	173	2	train	train	PROPN
aijes-7149	173	3	bank	bank	NOUN
aijes-7149	173	4	employees	employee	NOUN
aijes-7149	173	5	on	on	ADP
aijes-7149	173	6	the	the	DET
aijes-7149	173	7	proper	proper	ADJ
aijes-7149	173	8	use	use	NOUN
aijes-7149	173	9	of	of	ADP
aijes-7149	173	10	technological	technological	ADJ
aijes-7149	173	11	devices	device	NOUN
aijes-7149	173	12	and	and	CCONJ
aijes-7149	173	13	innovative	innovative	ADJ
aijes-7149	173	14	programs	program	NOUN
aijes-7149	173	15	used	use	VERB
aijes-7149	173	16	in	in	ADP
aijes-7149	173	17	the	the	DET
aijes-7149	173	18	bank	bank	NOUN
aijes-7149	173	19	.	.	PUNCT
aijes-7149	174	1			PROPN
aijes-7149	174	2	collaborate	collaborate	VERB
aijes-7149	174	3	with	with	ADP
aijes-7149	174	4	other	other	ADJ
aijes-7149	174	5	banks	bank	NOUN
aijes-7149	174	6	and	and	CCONJ
aijes-7149	174	7	financial	financial	ADJ
aijes-7149	174	8	institutions	institution	NOUN
aijes-7149	174	9	to	to	PART
aijes-7149	174	10	share	share	VERB
aijes-7149	174	11	experiences	experience	NOUN
aijes-7149	174	12	in	in	ADP
aijes-7149	174	13	applied	applied	ADJ
aijes-7149	174	14	innovation	innovation	NOUN
aijes-7149	174	15	and	and	CCONJ
aijes-7149	174	16	jointly	jointly	ADV
aijes-7149	174	17	find	find	VERB
aijes-7149	174	18	solutions	solution	NOUN
aijes-7149	174	19	to	to	ADP
aijes-7149	174	20	emerging	emerge	VERB
aijes-7149	174	21	threats	threat	NOUN
aijes-7149	174	22	and	and	CCONJ
aijes-7149	174	23	risks	risk	NOUN
aijes-7149	174	24	.	.	PUNCT
aijes-7149	175	1	it	it	PRON
aijes-7149	175	2	is	be	AUX
aijes-7149	175	3	obvious	obvious	ADJ
aijes-7149	175	4	that	that	SCONJ
aijes-7149	175	5	the	the	DET
aijes-7149	175	6	future	future	NOUN
aijes-7149	175	7	of	of	ADP
aijes-7149	175	8	everything	everything	PRON
aijes-7149	175	9	is	be	AUX
aijes-7149	175	10	formulated	formulate	VERB
aijes-7149	175	11	by	by	ADP
aijes-7149	175	12	innovation	innovation	NOUN
aijes-7149	175	13	advancements	advancement	NOUN
aijes-7149	175	14	.	.	PUNCT
aijes-7149	176	1	banks	bank	NOUN
aijes-7149	176	2	should	should	AUX
aijes-7149	176	3	always	always	ADV
aijes-7149	176	4	implement	implement	VERB
aijes-7149	176	5	latest	late	ADJ
aijes-7149	176	6	innovation	innovation	NOUN
aijes-7149	176	7	in	in	SCONJ
aijes-7149	176	8	order	order	NOUN
aijes-7149	176	9	to	to	PART
aijes-7149	176	10	meet	meet	VERB
aijes-7149	176	11	growing	grow	VERB
aijes-7149	176	12	needs	need	NOUN
aijes-7149	176	13	of	of	ADP
aijes-7149	176	14	customers	customer	NOUN
aijes-7149	176	15	and	and	CCONJ
aijes-7149	176	16	stay	stay	VERB
aijes-7149	176	17	remain	remain	VERB
aijes-7149	176	18	competitive	competitive	ADJ
aijes-7149	176	19	in	in	ADP
aijes-7149	176	20	modern	modern	ADJ
aijes-7149	176	21	financial	financial	ADJ
aijes-7149	176	22	environment	environment	NOUN
aijes-7149	176	23	.	.	PUNCT
aijes-7149	177	1	references	reference	NOUN
aijes-7149	177	2	1	1	NUM
aijes-7149	177	3	.	.	PUNCT
aijes-7149	177	4	arnaboldi	arnaboldi	PROPN
aijes-7149	177	5	,	,	PUNCT
aijes-7149	177	6	f.	f.	PROPN
aijes-7149	177	7	(	(	PUNCT
aijes-7149	177	8	2021	2021	NUM
aijes-7149	177	9	)	)	PUNCT
aijes-7149	177	10	.	.	PUNCT
aijes-7149	178	1	financial	financial	ADJ
aijes-7149	178	2	innovation	innovation	NOUN
aijes-7149	178	3	in	in	ADP
aijes-7149	178	4	banking	banking	NOUN
aijes-7149	178	5	.	.	PUNCT
aijes-7149	179	1	journal	journal	PROPN
aijes-7149	179	2	of	of	ADP
aijes-7149	179	3	bank	bank	PROPN
aijes-7149	179	4	risk	risk	NOUN
aijes-7149	179	5	,	,	PUNCT
aijes-7149	179	6	governance	governance	NOUN
aijes-7149	179	7	and	and	CCONJ
aijes-7149	179	8	regulation	regulation	NOUN
aijes-7149	179	9	.	.	PUNCT
aijes-7149	180	1	no.8	no.8	NOUN
aijes-7149	180	2	.	.	PUNCT
aijes-7149	181	1	2	2	X
aijes-7149	181	2	.	.	X
aijes-7149	181	3	balkon	balkon	PROPN
aijes-7149	181	4	,	,	PUNCT
aijes-7149	181	5	b.	b.	PROPN
aijes-7149	181	6	(	(	PUNCT
aijes-7149	181	7	2022	2022	NUM
aijes-7149	181	8	)	)	PUNCT
aijes-7149	181	9	.	.	PUNCT
aijes-7149	182	1	impacts	impact	NOUN
aijes-7149	182	2	of	of	ADP
aijes-7149	182	3	digitalization	digitalization	NOUN
aijes-7149	182	4	on	on	ADP
aijes-7149	182	5	banks	bank	NOUN
aijes-7149	182	6	and	and	CCONJ
aijes-7149	182	7	banking	banking	NOUN
aijes-7149	182	8	.	.	PUNCT
aijes-7149	183	1	journal	journal	PROPN
aijes-7149	183	2	of	of	ADP
aijes-7149	183	3	economics	economic	NOUN
aijes-7149	183	4	and	and	CCONJ
aijes-7149	183	5	finance	finance	NOUN
aijes-7149	183	6	issue	issue	NOUN
aijes-7149	183	7	6	6	NUM
aijes-7149	183	8	,	,	PUNCT
aijes-7149	183	9	pp	pp	ADJ
aijes-7149	183	10	.	.	PUNCT
aijes-7149	184	1	21	21	NUM
aijes-7149	184	2	-	-	SYM
aijes-7149	184	3	26	26	NUM
aijes-7149	184	4	.	.	PUNCT
aijes-7149	185	1	3	3	X
aijes-7149	185	2	.	.	NUM
aijes-7149	185	3	brown	brown	PROPN
aijes-7149	185	4	,	,	PUNCT
aijes-7149	185	5	h.	h.	PROPN
aijes-7149	185	6	&	&	CCONJ
aijes-7149	185	7	nyarondia	nyarondia	PROPN
aijes-7149	185	8	,	,	PUNCT
aijes-7149	185	9	d.	d.	PROPN
aijes-7149	185	10	(	(	PUNCT
aijes-7149	185	11	2023	2023	NUM
aijes-7149	185	12	)	)	PUNCT
aijes-7149	185	13	.	.	PUNCT
aijes-7149	186	1	technological	technological	ADJ
aijes-7149	186	2	innovation	innovation	NOUN
aijes-7149	186	3	in	in	ADP
aijes-7149	186	4	banking	banking	NOUN
aijes-7149	186	5	and	and	CCONJ
aijes-7149	186	6	payments	payment	NOUN
aijes-7149	186	7	.	.	PUNCT
aijes-7149	187	1	global	global	ADJ
aijes-7149	187	2	business	business	PROPN
aijes-7149	187	3	review	review	PROPN
aijes-7149	187	4	.	.	PUNCT
aijes-7149	188	1	4	4	X
aijes-7149	188	2	.	.	X
aijes-7149	188	3	campanella	campanella	PROPN
aijes-7149	188	4	,	,	PUNCT
aijes-7149	188	5	f.	f.	PROPN
aijes-7149	188	6	&	&	CCONJ
aijes-7149	188	7	peruta	peruta	PROPN
aijes-7149	188	8	,	,	PUNCT
aijes-7149	188	9	m.	m.	NOUN
aijes-7149	188	10	(	(	PUNCT
aijes-7149	188	11	2020	2020	NUM
aijes-7149	188	12	)	)	PUNCT
aijes-7149	188	13	.	.	PUNCT
aijes-7149	189	1	the	the	DET
aijes-7149	189	2	effects	effect	NOUN
aijes-7149	189	3	of	of	ADP
aijes-7149	189	4	technological	technological	ADJ
aijes-7149	189	5	innovation	innovation	NOUN
aijes-7149	189	6	on	on	ADP
aijes-7149	189	7	the	the	DET
aijes-7149	189	8	banking	banking	NOUN
aijes-7149	189	9	sector	sector	NOUN
aijes-7149	189	10	.	.	PUNCT
aijes-7149	190	1	journal	journal	NOUN
aijes-7149	190	2	of	of	ADP
aijes-7149	190	3	the	the	DET
aijes-7149	190	4	knowledge	knowledge	NOUN
aijes-7149	190	5	economy	economy	NOUN
aijes-7149	190	6	,	,	PUNCT
aijes-7149	190	7	special	special	ADJ
aijes-7149	190	8	edition	edition	NOUN
aijes-7149	190	9	.	.	PUNCT
aijes-7149	191	1	5	5	NUM
aijes-7149	191	2	.	.	X
aijes-7149	191	3	indriasari	indriasari	NOUN
aijes-7149	191	4	,	,	PUNCT
aijes-7149	191	5	e.	e.	PROPN
aijes-7149	191	6	(	(	PUNCT
aijes-7149	191	7	2022	2022	NUM
aijes-7149	191	8	)	)	PUNCT
aijes-7149	191	9	.	.	PUNCT
aijes-7149	192	1	intelligent	intelligent	ADJ
aijes-7149	192	2	digital	digital	ADJ
aijes-7149	192	3	banking	banking	NOUN
aijes-7149	192	4	technology	technology	NOUN
aijes-7149	192	5	and	and	CCONJ
aijes-7149	192	6	architecture	architecture	NOUN
aijes-7149	192	7	:	:	PUNCT
aijes-7149	192	8	a	a	DET
aijes-7149	192	9	systematic	systematic	ADJ
aijes-7149	192	10	literature	literature	NOUN
aijes-7149	192	11	review	review	PROPN
aijes-7149	192	12	.	.	PUNCT
aijes-7149	193	1	ijim	ijim	PROPN
aijes-7149	193	2	journal	journal	PROPN
aijes-7149	193	3	.	.	PUNCT
aijes-7149	194	1	volume	volume	NOUN
aijes-7149	194	2	16	16	NUM
aijes-7149	194	3	,	,	PUNCT
aijes-7149	194	4	no.19	no.19	NOUN
aijes-7149	194	5	.	.	PUNCT
aijes-7149	195	1	6	6	X
aijes-7149	195	2	.	.	X
aijes-7149	195	3	harchekar	harchekar	PROPN
aijes-7149	195	4	,	,	PUNCT
aijes-7149	195	5	j.	j.	PROPN
aijes-7149	195	6	(	(	PUNCT
aijes-7149	195	7	2021	2021	NUM
aijes-7149	195	8	)	)	PUNCT
aijes-7149	195	9	.	.	PUNCT
aijes-7149	196	1	digitalization	digitalization	NOUN
aijes-7149	196	2	in	in	ADP
aijes-7149	196	3	banking	banking	NOUN
aijes-7149	196	4	sector	sector	NOUN
aijes-7149	196	5	.	.	PUNCT
aijes-7149	197	1	international	international	ADJ
aijes-7149	197	2	journal	journal	PROPN
aijes-7149	197	3	of	of	ADP
aijes-7149	197	4	scientific	scientific	ADJ
aijes-7149	197	5	research	research	NOUN
aijes-7149	197	6	and	and	CCONJ
aijes-7149	197	7	development	development	NOUN
aijes-7149	197	8	.	.	PUNCT
aijes-7149	198	1	issue	issue	NOUN
aijes-7149	198	2	11	11	NUM
aijes-7149	198	3	.	.	PUNCT
aijes-7149	199	1	7	7	X
aijes-7149	199	2	.	.	X
aijes-7149	199	3	kittiwat	kittiwat	PROPN
aijes-7149	199	4	,	,	PUNCT
aijes-7149	199	5	u.	u.	PROPN
aijes-7149	199	6	(	(	PUNCT
aijes-7149	199	7	2023	2023	NUM
aijes-7149	199	8	)	)	PUNCT
aijes-7149	199	9	.	.	PUNCT
aijes-7149	200	1	competition	competition	NOUN
aijes-7149	200	2	and	and	CCONJ
aijes-7149	200	3	innovation	innovation	NOUN
aijes-7149	200	4	in	in	ADP
aijes-7149	200	5	banking	banking	NOUN
aijes-7149	200	6	services	service	NOUN
aijes-7149	200	7	.	.	PUNCT
aijes-7149	201	1	international	international	ADJ
aijes-7149	201	2	journal	journal	PROPN
aijes-7149	201	3	of	of	ADP
aijes-7149	201	4	innovation	innovation	NOUN
aijes-7149	201	5	management	management	NOUN
aijes-7149	201	6	.	.	PUNCT
aijes-7149	202	1	volume	volume	NOUN
aijes-7149	202	2	2	2	NUM
aijes-7149	202	3	,	,	PUNCT
aijes-7149	202	4	issue	issue	NOUN
aijes-7149	202	5	5	5	NUM
aijes-7149	202	6	.	.	NOUN
aijes-7149	202	7	8	8	NUM
aijes-7149	202	8	.	.	X
aijes-7149	203	1	lin	lin	PROPN
aijes-7149	203	2	,	,	PUNCT
aijes-7149	203	3	c.	c.	PROPN
aijes-7149	203	4	,	,	PUNCT
aijes-7149	203	5	liu	liu	PROPN
aijes-7149	203	6	,	,	PUNCT
aijes-7149	203	7	s.	s.	PROPN
aijes-7149	203	8	&	&	CCONJ
aijes-7149	203	9	wei	wei	PROPN
aijes-7149	203	10	,	,	PUNCT
aijes-7149	203	11	l.	l.	PROPN
aijes-7149	203	12	(	(	PUNCT
aijes-7149	203	13	2023	2023	NUM
aijes-7149	203	14	)	)	PUNCT
aijes-7149	203	15	.	.	PUNCT
aijes-7149	204	1	banking	banking	NOUN
aijes-7149	204	2	and	and	CCONJ
aijes-7149	204	3	innovation	innovation	NOUN
aijes-7149	204	4	:	:	PUNCT
aijes-7149	204	5	a	a	DET
aijes-7149	204	6	review	review	NOUN
aijes-7149	204	7	.	.	PUNCT
aijes-7149	205	1	journal	journal	PROPN
aijes-7149	205	2	of	of	ADP
aijes-7149	205	3	chinese	chinese	PROPN
aijes-7149	205	4	economic	economic	ADJ
aijes-7149	205	5	and	and	CCONJ
aijes-7149	205	6	business	business	NOUN
aijes-7149	205	7	no.4	no.4	PROPN
aijes-7149	205	8	.	.	PROPN
aijes-7149	206	1	9	9	NUM
aijes-7149	206	2	.	.	X
aijes-7149	206	3	parameswar	parameswar	NOUN
aijes-7149	206	4	,	,	PUNCT
aijes-7149	206	5	n.	n.	PROPN
aijes-7149	206	6	&	&	CCONJ
aijes-7149	206	7	dhir	dhir	PROPN
aijes-7149	206	8	,	,	PUNCT
aijes-7149	206	9	s.	s.	PROPN
aijes-7149	206	10	(	(	PUNCT
aijes-7149	206	11	2017	2017	NUM
aijes-7149	206	12	)	)	PUNCT
aijes-7149	206	13	.	.	PUNCT
aijes-7149	207	1	banking	banking	NOUN
aijes-7149	207	2	on	on	ADP
aijes-7149	207	3	innovation	innovation	NOUN
aijes-7149	207	4	,	,	PUNCT
aijes-7149	207	5	innovation	innovation	NOUN
aijes-7149	207	6	in	in	ADP
aijes-7149	207	7	banking	banking	NOUN
aijes-7149	207	8	at	at	ADP
aijes-7149	207	9	icici	icici	PROPN
aijes-7149	207	10	bank	bank	PROPN
aijes-7149	207	11	.	.	PUNCT
aijes-7149	208	1	wiley	wiley	PROPN
aijes-7149	208	2	online	online	PROPN
aijes-7149	208	3	library	library	PROPN
aijes-7149	208	4	.	.	PUNCT
aijes-7149	209	1	january	january	PROPN
aijes-7149	209	2	/	/	SYM
aijes-7149	209	3	february	february	PROPN
aijes-7149	209	4	,	,	PUNCT
aijes-7149	209	5	2017	2017	NUM
aijes-7149	209	6	.	.	PUNCT
aijes-7149	210	1	fundamentals	fundamental	NOUN
aijes-7149	210	2	of	of	ADP
aijes-7149	210	3	innovation	innovation	NOUN
aijes-7149	210	4	in	in	ADP
aijes-7149	210	5	modern	modern	ADJ
aijes-7149	210	6	banking	banking	NOUN
aijes-7149	210	7	services	service	NOUN
aijes-7149	210	8	162	162	NUM
aijes-7149	210	9	10	10	NUM
aijes-7149	210	10	.	.	PUNCT
aijes-7149	211	1	ravi	ravi	PROPN
aijes-7149	211	2	,	,	PUNCT
aijes-7149	211	3	h.	h.	PROPN
aijes-7149	211	4	(	(	PUNCT
aijes-7149	211	5	2021	2021	NUM
aijes-7149	211	6	)	)	PUNCT
aijes-7149	211	7	.	.	PUNCT
aijes-7149	212	1	innovation	innovation	NOUN
aijes-7149	212	2	in	in	ADP
aijes-7149	212	3	banking	banking	NOUN
aijes-7149	212	4	:	:	PUNCT
aijes-7149	212	5	fusion	fusion	NOUN
aijes-7149	212	6	of	of	ADP
aijes-7149	212	7	artificial	artificial	ADJ
aijes-7149	212	8	intelligence	intelligence	NOUN
aijes-7149	212	9	and	and	CCONJ
aijes-7149	212	10	blockchain	blockchain	PROPN
aijes-7149	212	11	.	.	PUNCT
aijes-7149	213	1	asia	asia	PROPN
aijes-7149	213	2	pacific	pacific	PROPN
aijes-7149	213	3	journal	journal	PROPN
aijes-7149	213	4	of	of	ADP
aijes-7149	213	5	innovation	innovation	NOUN
aijes-7149	213	6	.	.	PUNCT
aijes-7149	214	1	issue	issue	NOUN
aijes-7149	214	2	2	2	NUM
aijes-7149	214	3	.	.	NOUN
aijes-7149	214	4	11	11	NUM
aijes-7149	214	5	.	.	PUNCT
aijes-7149	215	1	revathi	revathi	PROPN
aijes-7149	215	2	,	,	PUNCT
aijes-7149	215	3	p.	p.	NOUN
aijes-7149	215	4	(	(	PUNCT
aijes-7149	215	5	2019	2019	NUM
aijes-7149	215	6	)	)	PUNCT
aijes-7149	215	7	.	.	PUNCT
aijes-7149	216	1	digital	digital	ADJ
aijes-7149	216	2	banking	banking	NOUN
aijes-7149	216	3	challenges	challenge	NOUN
aijes-7149	216	4	and	and	CCONJ
aijes-7149	216	5	opportunities	opportunity	NOUN
aijes-7149	216	6	.	.	PUNCT
aijes-7149	217	1	international	international	ADJ
aijes-7149	217	2	journal	journal	PROPN
aijes-7149	217	3	of	of	ADP
aijes-7149	217	4	economic	economic	ADJ
aijes-7149	217	5	and	and	CCONJ
aijes-7149	217	6	business	business	NOUN
aijes-7149	217	7	review	review	NOUN
aijes-7149	217	8	.	.	PUNCT
aijes-7149	218	1	vol	vol	NOUN
aijes-7149	218	2	7	7	NUM
aijes-7149	218	3	,	,	PUNCT
aijes-7149	218	4	issue	issue	NOUN
aijes-7149	218	5	12	12	NUM
aijes-7149	218	6	.	.	PUNCT
aijes-7149	219	1	https://doi.org/10.36713/epra2012	https://doi.org/10.36713/epra2012	PROPN
aijes-7149	219	2	.	.	PUNCT
aijes-7149	220	1	12	12	NUM
aijes-7149	220	2	.	.	PUNCT
aijes-7149	220	3	sharma	sharma	PROPN
aijes-7149	220	4	,	,	PUNCT
aijes-7149	220	5	r.	r.	PROPN
aijes-7149	220	6	(	(	PUNCT
aijes-7149	220	7	2022	2022	NUM
aijes-7149	220	8	)	)	PUNCT
aijes-7149	220	9	.	.	PUNCT
aijes-7149	221	1	a	a	DET
aijes-7149	221	2	study	study	NOUN
aijes-7149	221	3	on	on	ADP
aijes-7149	221	4	innovation	innovation	NOUN
aijes-7149	221	5	in	in	ADP
aijes-7149	221	6	banking	banking	NOUN
aijes-7149	221	7	and	and	CCONJ
aijes-7149	221	8	its	its	PRON
aijes-7149	221	9	impact	impact	NOUN
aijes-7149	221	10	on	on	ADP
aijes-7149	221	11	customer	customer	NOUN
aijes-7149	221	12	satisfaction	satisfaction	NOUN
aijes-7149	221	13	.	.	PUNCT
aijes-7149	222	1	integrated	integrate	VERB
aijes-7149	222	2	journal	journal	NOUN
aijes-7149	222	3	for	for	ADP
aijes-7149	222	4	research	research	NOUN
aijes-7149	222	5	in	in	ADP
aijes-7149	222	6	arts	art	NOUN
aijes-7149	222	7	and	and	CCONJ
aijes-7149	222	8	humanities	humanity	NOUN
aijes-7149	222	9	.	.	PUNCT
aijes-7149	223	1	volume	volume	NOUN
aijes-7149	223	2	2	2	NUM
aijes-7149	223	3	,	,	PUNCT
aijes-7149	223	4	issue	issue	NOUN
aijes-7149	223	5	3	3	NUM
aijes-7149	223	6	,	,	PUNCT
aijes-7149	223	7	may	may	AUX
aijes-7149	223	8	2022	2022	NUM
aijes-7149	223	9	.	.	PUNCT
aijes-7149	224	1	pp	pp	ADJ
aijes-7149	224	2	.	.	PUNCT
aijes-7149	225	1	67	67	NUM
aijes-7149	225	2	-	-	SYM
aijes-7149	225	3	72	72	NUM
aijes-7149	225	4	.	.	NOUN
aijes-7149	226	1	13	13	NUM
aijes-7149	226	2	.	.	PUNCT
aijes-7149	227	1	valverde	valverde	PROPN
aijes-7149	227	2	,	,	PUNCT
aijes-7149	227	3	c.	c.	PROPN
aijes-7149	227	4	(	(	PUNCT
aijes-7149	227	5	2019	2019	NUM
aijes-7149	227	6	)	)	PUNCT
aijes-7149	227	7	.	.	PUNCT
aijes-7149	228	1	the	the	DET
aijes-7149	228	2	impact	impact	NOUN
aijes-7149	228	3	on	on	ADP
aijes-7149	228	4	digitalization	digitalization	NOUN
aijes-7149	228	5	on	on	ADP
aijes-7149	228	6	banking	banking	NOUN
aijes-7149	228	7	and	and	CCONJ
aijes-7149	228	8	financial	financial	ADJ
aijes-7149	228	9	stability	stability	NOUN
aijes-7149	228	10	.	.	PUNCT
aijes-7149	229	1	journal	journal	NOUN
aijes-7149	229	2	of	of	ADP
aijes-7149	229	3	financial	financial	ADJ
aijes-7149	229	4	management	management	NOUN
aijes-7149	229	5	,	,	PUNCT
aijes-7149	229	6	markets	market	NOUN
aijes-7149	229	7	and	and	CCONJ
aijes-7149	229	8	institutions	institution	NOUN
aijes-7149	229	9	.	.	PUNCT
aijes-7149	230	1	no.10	no.10	ADJ
aijes-7149	230	2	.	.	PUNCT
aijes-7149	231	1	14	14	NUM
aijes-7149	231	2	.	.	PUNCT
aijes-7149	231	3	world	world	PROPN
aijes-7149	231	4	bank	bank	PROPN
aijes-7149	231	5	.	.	PUNCT
aijes-7149	232	1	(	(	PUNCT
aijes-7149	232	2	2023	2023	NUM
aijes-7149	232	3	)	)	PUNCT
aijes-7149	232	4	.	.	PUNCT
aijes-7149	233	1	inclusion	inclusion	NOUN
aijes-7149	233	2	through	through	ADP
aijes-7149	233	3	innovation	innovation	NOUN
aijes-7149	233	4	in	in	ADP
aijes-7149	233	5	financial	financial	ADJ
aijes-7149	233	6	services	service	NOUN
aijes-7149	233	7	.	.	PUNCT