id	sid	tid	token	lemma	pos
aijes-7159	1	1	agora	agora	PROPN
aijes-7159	1	2	international	international	PROPN
aijes-7159	1	3	journal	journal	NOUN
aijes-7159	1	4	of	of	ADP
aijes-7159	1	5	economical	economical	ADJ
aijes-7159	1	6	sciences	science	NOUN
aijes-7159	1	7	,	,	PUNCT
aijes-7159	1	8	http://univagora.ro/jour/index.php/aijes	http://univagora.ro/jour/index.php/aijes	PRON
aijes-7159	1	9	issn	issn	PROPN
aijes-7159	1	10	2067	2067	NUM
aijes-7159	1	11	-	-	SYM
aijes-7159	1	12	3310	3310	NUM
aijes-7159	1	13	,	,	PUNCT
aijes-7159	1	14	e	e	X
aijes-7159	1	15	-	-	PUNCT
aijes-7159	1	16	issn	issn	PROPN
aijes-7159	1	17	2067	2067	NUM
aijes-7159	1	18	-	-	SYM
aijes-7159	1	19	7669	7669	NUM
aijes-7159	1	20	vol	vol	NOUN
aijes-7159	1	21	.	.	PROPN
aijes-7159	1	22	19	19	NUM
aijes-7159	1	23	,	,	PUNCT
aijes-7159	1	24	no	no	INTJ
aijes-7159	1	25	.	.	NOUN
aijes-7159	1	26	1	1	NUM
aijes-7159	1	27	(	(	PUNCT
aijes-7159	1	28	2025	2025	NUM
aijes-7159	1	29	)	)	PUNCT
aijes-7159	1	30	,	,	PUNCT
aijes-7159	1	31	pp	pp	ADP
aijes-7159	1	32	.	.	PUNCT
aijes-7159	2	1	283	283	NUM
aijes-7159	2	2	-	-	SYM
aijes-7159	2	3	292	292	NUM
aijes-7159	2	4	283	283	NUM
aijes-7159	2	5	technological	technological	ADJ
aijes-7159	2	6	finance	finance	NOUN
aijes-7159	2	7	(	(	PUNCT
aijes-7159	2	8	fintech	fintech	NOUN
aijes-7159	2	9	)	)	PUNCT
aijes-7159	2	10	and	and	CCONJ
aijes-7159	2	11	its	its	PRON
aijes-7159	2	12	performance	performance	NOUN
aijes-7159	2	13	in	in	ADP
aijes-7159	2	14	albania	albania	PROPN
aijes-7159	2	15	f.	f.	PROPN
aijes-7159	2	16	pjetri	pjetri	PROPN
aijes-7159	2	17	,	,	PUNCT
aijes-7159	2	18	l.	l.	PROPN
aijes-7159	2	19	boduri	boduri	PROPN
aijes-7159	2	20	,	,	PUNCT
aijes-7159	2	21	r.	r.	PROPN
aijes-7159	2	22	dibra	dibra	PROPN
aijes-7159	2	23	,	,	PUNCT
aijes-7159	2	24	i.	i.	PROPN
aijes-7159	2	25	cukaj	cukaj	PROPN
aijes-7159	2	26	fabian	fabian	PROPN
aijes-7159	2	27	pjetri¹	pjetri¹	PROPN
aijes-7159	2	28	,	,	PUNCT
aijes-7159	2	29	leonard	leonard	PROPN
aijes-7159	2	30	boduri²	boduri²	PROPN
aijes-7159	2	31	,	,	PUNCT
aijes-7159	2	32	rezart	rezart	PROPN
aijes-7159	2	33	dibra³	dibra³	PROPN
aijes-7159	2	34	,	,	PUNCT
aijes-7159	2	35	ilirjan	ilirjan	ADJ
aijes-7159	2	36	cukaj⁴	cukaj⁴	NOUN
aijes-7159	2	37	¹	¹	PROPN
aijes-7159	2	38	metropolitan	metropolitan	PROPN
aijes-7159	2	39	university	university	PROPN
aijes-7159	2	40	of	of	ADP
aijes-7159	2	41	tirana	tirana	PROPN
aijes-7159	2	42	,	,	PUNCT
aijes-7159	2	43	albania	albania	PROPN
aijes-7159	2	44	.	.	PUNCT
aijes-7159	2	45	email	email	NOUN
aijes-7159	2	46	:	:	PUNCT
aijes-7159	2	47	fpjetri@umt.edu.al	fpjetri@umt.edu.al	NOUN
aijes-7159	2	48	https://orcid.org/0009-0003-7518-1491	https://orcid.org/0009-0003-7518-1491	NOUN
aijes-7159	2	49	²	²	NUM
aijes-7159	2	50	european	european	PROPN
aijes-7159	2	51	university	university	PROPN
aijes-7159	2	52	of	of	ADP
aijes-7159	2	53	tirana	tirana	PROPN
aijes-7159	2	54	,	,	PUNCT
aijes-7159	2	55	albania	albania	PROPN
aijes-7159	2	56	.	.	PUNCT
aijes-7159	3	1	email	email	NOUN
aijes-7159	3	2	:	:	PUNCT
aijes-7159	3	3	leonardboduri@gmail.com	leonardboduri@gmail.com	X
aijes-7159	3	4	.	.	PROPN
aijes-7159	3	5	³	³	PROPN
aijes-7159	3	6	tirana	tirana	PROPN
aijes-7159	3	7	business	business	PROPN
aijes-7159	3	8	university	university	PROPN
aijes-7159	3	9	college	college	PROPN
aijes-7159	3	10	tbu	tbu	PROPN
aijes-7159	3	11	,	,	PUNCT
aijes-7159	3	12	albania	albania	PROPN
aijes-7159	3	13	.	.	PUNCT
aijes-7159	3	14	email	email	NOUN
aijes-7159	3	15	:	:	PUNCT
aijes-7159	4	1	rezart.dibra@tbu.edu.al	rezart.dibra@tbu.edu.al	PROPN
aijes-7159	4	2	.	.	NOUN
aijes-7159	4	3	⁴	⁴	NUM
aijes-7159	4	4	university	university	NOUN
aijes-7159	4	5	luarasi	luarasi	NOUN
aijes-7159	4	6	,	,	PUNCT
aijes-7159	4	7	albania	albania	PROPN
aijes-7159	4	8	.	.	PUNCT
aijes-7159	4	9	email	email	NOUN
aijes-7159	4	10	:	:	PUNCT
aijes-7159	4	11	ilirjancukaj@luarasi.univ.edu.al	ilirjancukaj@luarasi.univ.edu.al	NOUN
aijes-7159	4	12	.	.	PUNCT
aijes-7159	5	1	abstract	abstract	ADJ
aijes-7159	5	2	:	:	PUNCT
aijes-7159	5	3	the	the	DET
aijes-7159	5	4	main	main	ADJ
aijes-7159	5	5	purpose	purpose	NOUN
aijes-7159	5	6	of	of	ADP
aijes-7159	5	7	this	this	DET
aijes-7159	5	8	paper	paper	NOUN
aijes-7159	5	9	presented	present	VERB
aijes-7159	5	10	by	by	ADP
aijes-7159	5	11	the	the	DET
aijes-7159	5	12	authors	author	NOUN
aijes-7159	5	13	has	have	VERB
aijes-7159	5	14	to	to	PART
aijes-7159	5	15	do	do	VERB
aijes-7159	5	16	with	with	ADP
aijes-7159	5	17	the	the	DET
aijes-7159	5	18	realization	realization	NOUN
aijes-7159	5	19	of	of	ADP
aijes-7159	5	20	an	an	DET
aijes-7159	5	21	analysis	analysis	NOUN
aijes-7159	5	22	on	on	ADP
aijes-7159	5	23	the	the	DET
aijes-7159	5	24	progress	progress	NOUN
aijes-7159	5	25	and	and	CCONJ
aijes-7159	5	26	level	level	NOUN
aijes-7159	5	27	of	of	ADP
aijes-7159	5	28	use	use	NOUN
aijes-7159	5	29	of	of	ADP
aijes-7159	5	30	financial	financial	ADJ
aijes-7159	5	31	technology	technology	NOUN
aijes-7159	5	32	(	(	PUNCT
aijes-7159	5	33	fintech	fintech	NOUN
aijes-7159	5	34	)	)	PUNCT
aijes-7159	5	35	with	with	ADP
aijes-7159	5	36	a	a	DET
aijes-7159	5	37	focus	focus	NOUN
aijes-7159	5	38	on	on	ADP
aijes-7159	5	39	the	the	DET
aijes-7159	5	40	banking	banking	NOUN
aijes-7159	5	41	sector	sector	NOUN
aijes-7159	5	42	in	in	ADP
aijes-7159	5	43	the	the	DET
aijes-7159	5	44	state	state	NOUN
aijes-7159	5	45	of	of	ADP
aijes-7159	5	46	albania	albania	PROPN
aijes-7159	5	47	.	.	PUNCT
aijes-7159	6	1	the	the	DET
aijes-7159	6	2	notion	notion	NOUN
aijes-7159	6	3	of	of	ADP
aijes-7159	6	4	fintech	fintech	NOUN
aijes-7159	6	5	is	be	AUX
aijes-7159	6	6	a	a	DET
aijes-7159	6	7	dedicated	dedicated	ADJ
aijes-7159	6	8	term	term	NOUN
aijes-7159	6	9	for	for	ADP
aijes-7159	6	10	financial	financial	ADJ
aijes-7159	6	11	technology	technology	NOUN
aijes-7159	6	12	in	in	ADP
aijes-7159	6	13	the	the	DET
aijes-7159	6	14	digital	digital	ADJ
aijes-7159	6	15	age	age	NOUN
aijes-7159	6	16	.	.	PUNCT
aijes-7159	7	1	the	the	DET
aijes-7159	7	2	diversity	diversity	NOUN
aijes-7159	7	3	of	of	ADP
aijes-7159	7	4	this	this	DET
aijes-7159	7	5	technological	technological	ADJ
aijes-7159	7	6	solution	solution	NOUN
aijes-7159	7	7	brings	bring	VERB
aijes-7159	7	8	with	with	ADP
aijes-7159	7	9	it	it	PRON
aijes-7159	7	10	the	the	DET
aijes-7159	7	11	promise	promise	NOUN
aijes-7159	7	12	of	of	ADP
aijes-7159	7	13	faster	fast	ADJ
aijes-7159	7	14	,	,	PUNCT
aijes-7159	7	15	cheaper	cheap	ADJ
aijes-7159	7	16	,	,	PUNCT
aijes-7159	7	17	safer	safe	ADJ
aijes-7159	7	18	and	and	CCONJ
aijes-7159	7	19	more	more	ADV
aijes-7159	7	20	transparent	transparent	ADJ
aijes-7159	7	21	financial	financial	ADJ
aijes-7159	7	22	transactions	transaction	NOUN
aijes-7159	7	23	via	via	ADP
aijes-7159	7	24	the	the	DET
aijes-7159	7	25	internet	internet	NOUN
aijes-7159	7	26	.	.	PUNCT
aijes-7159	8	1	in	in	ADP
aijes-7159	8	2	the	the	DET
aijes-7159	8	3	paper	paper	NOUN
aijes-7159	8	4	carried	carry	VERB
aijes-7159	8	5	out	out	ADP
aijes-7159	8	6	by	by	ADP
aijes-7159	8	7	the	the	DET
aijes-7159	8	8	authors	author	NOUN
aijes-7159	8	9	,	,	PUNCT
aijes-7159	8	10	primary	primary	ADJ
aijes-7159	8	11	data	datum	NOUN
aijes-7159	8	12	obtained	obtain	VERB
aijes-7159	8	13	from	from	ADP
aijes-7159	8	14	the	the	DET
aijes-7159	8	15	completion	completion	NOUN
aijes-7159	8	16	of	of	ADP
aijes-7159	8	17	more	more	ADJ
aijes-7159	8	18	than	than	ADP
aijes-7159	8	19	500	500	NUM
aijes-7159	8	20	questionnaires	questionnaire	NOUN
aijes-7159	8	21	by	by	ADP
aijes-7159	8	22	individuals	individual	NOUN
aijes-7159	8	23	located	locate	VERB
aijes-7159	8	24	in	in	ADP
aijes-7159	8	25	tirana	tirana	PROPN
aijes-7159	8	26	,	,	PUNCT
aijes-7159	8	27	elbasan	elbasan	NOUN
aijes-7159	8	28	and	and	CCONJ
aijes-7159	8	29	durres	durre	NOUN
aijes-7159	8	30	districts	district	NOUN
aijes-7159	8	31	were	be	AUX
aijes-7159	8	32	used	use	VERB
aijes-7159	8	33	.	.	PUNCT
aijes-7159	9	1	also	also	ADV
aijes-7159	9	2	,	,	PUNCT
aijes-7159	9	3	in	in	ADP
aijes-7159	9	4	this	this	DET
aijes-7159	9	5	paper	paper	NOUN
aijes-7159	9	6	,	,	PUNCT
aijes-7159	9	7	other	other	ADJ
aijes-7159	9	8	secondary	secondary	ADJ
aijes-7159	9	9	data	datum	NOUN
aijes-7159	9	10	were	be	AUX
aijes-7159	9	11	used	use	VERB
aijes-7159	9	12	,	,	PUNCT
aijes-7159	9	13	which	which	PRON
aijes-7159	9	14	were	be	AUX
aijes-7159	9	15	provided	provide	VERB
aijes-7159	9	16	by	by	ADP
aijes-7159	9	17	the	the	DET
aijes-7159	9	18	base	base	NOUN
aijes-7159	9	19	data	datum	NOUN
aijes-7159	9	20	of	of	ADP
aijes-7159	9	21	the	the	DET
aijes-7159	9	22	central	central	ADJ
aijes-7159	9	23	bank	bank	NOUN
aijes-7159	9	24	of	of	ADP
aijes-7159	9	25	the	the	DET
aijes-7159	9	26	albanian	albanian	ADJ
aijes-7159	9	27	state	state	NOUN
aijes-7159	9	28	,	,	PUNCT
aijes-7159	9	29	from	from	ADP
aijes-7159	9	30	the	the	DET
aijes-7159	9	31	base	base	NOUN
aijes-7159	9	32	data	datum	NOUN
aijes-7159	9	33	of	of	ADP
aijes-7159	9	34	the	the	DET
aijes-7159	9	35	world	world	NOUN
aijes-7159	9	36	bank	bank	PROPN
aijes-7159	9	37	and	and	CCONJ
aijes-7159	9	38	the	the	DET
aijes-7159	9	39	international	international	ADJ
aijes-7159	9	40	monetary	monetary	ADJ
aijes-7159	9	41	fund	fund	NOUN
aijes-7159	9	42	.	.	PUNCT
aijes-7159	10	1	this	this	DET
aijes-7159	10	2	this	this	DET
aijes-7159	10	3	paper	paper	NOUN
aijes-7159	10	4	describes	describe	VERB
aijes-7159	10	5	the	the	DET
aijes-7159	10	6	implications	implication	NOUN
aijes-7159	10	7	of	of	ADP
aijes-7159	10	8	policies	policy	NOUN
aijes-7159	10	9	regarding	regard	VERB
aijes-7159	10	10	the	the	DET
aijes-7159	10	11	promotion	promotion	NOUN
aijes-7159	10	12	of	of	ADP
aijes-7159	10	13	relevant	relevant	ADJ
aijes-7159	10	14	institutional	institutional	ADJ
aijes-7159	10	15	policies	policy	NOUN
aijes-7159	10	16	regarding	regard	VERB
aijes-7159	10	17	the	the	DET
aijes-7159	10	18	increase	increase	NOUN
aijes-7159	10	19	in	in	ADP
aijes-7159	10	20	the	the	DET
aijes-7159	10	21	level	level	NOUN
aijes-7159	10	22	of	of	ADP
aijes-7159	10	23	use	use	NOUN
aijes-7159	10	24	of	of	ADP
aijes-7159	10	25	technological	technological	ADJ
aijes-7159	10	26	finance	finance	NOUN
aijes-7159	10	27	in	in	ADP
aijes-7159	10	28	the	the	DET
aijes-7159	10	29	state	state	NOUN
aijes-7159	10	30	of	of	ADP
aijes-7159	10	31	albania	albania	PROPN
aijes-7159	10	32	.	.	PUNCT
aijes-7159	11	1	the	the	DET
aijes-7159	11	2	continued	continue	VERB
aijes-7159	11	3	application	application	NOUN
aijes-7159	11	4	of	of	ADP
aijes-7159	11	5	innovative	innovative	ADJ
aijes-7159	11	6	technologies	technology	NOUN
aijes-7159	11	7	in	in	ADP
aijes-7159	11	8	finance	finance	NOUN
aijes-7159	11	9	and	and	CCONJ
aijes-7159	11	10	especially	especially	ADV
aijes-7159	11	11	in	in	ADP
aijes-7159	11	12	the	the	DET
aijes-7159	11	13	fintech	fintech	NOUN
aijes-7159	11	14	sector	sector	NOUN
aijes-7159	11	15	is	be	AUX
aijes-7159	11	16	very	very	ADV
aijes-7159	11	17	important	important	ADJ
aijes-7159	11	18	,	,	PUNCT
aijes-7159	11	19	this	this	PRON
aijes-7159	11	20	will	will	AUX
aijes-7159	11	21	serve	serve	VERB
aijes-7159	11	22	as	as	ADP
aijes-7159	11	23	a	a	DET
aijes-7159	11	24	tool	tool	NOUN
aijes-7159	11	25	to	to	PART
aijes-7159	11	26	increase	increase	VERB
aijes-7159	11	27	the	the	DET
aijes-7159	11	28	level	level	NOUN
aijes-7159	11	29	of	of	ADP
aijes-7159	11	30	financial	financial	ADJ
aijes-7159	11	31	economic	economic	ADJ
aijes-7159	11	32	development	development	NOUN
aijes-7159	11	33	in	in	ADP
aijes-7159	11	34	albania	albania	PROPN
aijes-7159	11	35	(	(	PUNCT
aijes-7159	11	36	toska	toska	PROPN
aijes-7159	11	37	,	,	PUNCT
aijes-7159	11	38	2021	2021	NUM
aijes-7159	11	39	)	)	PUNCT
aijes-7159	11	40	.	.	PUNCT
aijes-7159	12	1	the	the	DET
aijes-7159	12	2	findings	finding	NOUN
aijes-7159	12	3	underscore	underscore	VERB
aijes-7159	12	4	the	the	DET
aijes-7159	12	5	potential	potential	NOUN
aijes-7159	12	6	for	for	ADP
aijes-7159	12	7	fintech	fintech	NOUN
aijes-7159	12	8	to	to	PART
aijes-7159	12	9	foster	foster	VERB
aijes-7159	12	10	financial	financial	ADJ
aijes-7159	12	11	inclusion	inclusion	NOUN
aijes-7159	12	12	and	and	CCONJ
aijes-7159	12	13	economic	economic	ADJ
aijes-7159	12	14	growth	growth	NOUN
aijes-7159	12	15	in	in	ADP
aijes-7159	12	16	albania	albania	PROPN
aijes-7159	12	17	,	,	PUNCT
aijes-7159	12	18	provided	provide	VERB
aijes-7159	12	19	that	that	DET
aijes-7159	12	20	regulatory	regulatory	ADJ
aijes-7159	12	21	frameworks	framework	NOUN
aijes-7159	12	22	and	and	CCONJ
aijes-7159	12	23	digital	digital	ADJ
aijes-7159	12	24	infrastructures	infrastructure	NOUN
aijes-7159	12	25	are	be	AUX
aijes-7159	12	26	strengthened	strengthen	VERB
aijes-7159	12	27	.	.	PUNCT
aijes-7159	13	1	the	the	DET
aijes-7159	13	2	paper	paper	NOUN
aijes-7159	13	3	presented	present	VERB
aijes-7159	13	4	by	by	ADP
aijes-7159	13	5	the	the	DET
aijes-7159	13	6	authors	author	NOUN
aijes-7159	13	7	also	also	ADV
aijes-7159	13	8	discusses	discuss	VERB
aijes-7159	13	9	financial	financial	ADJ
aijes-7159	13	10	policy	policy	NOUN
aijes-7159	13	11	implications	implication	NOUN
aijes-7159	13	12	and	and	CCONJ
aijes-7159	13	13	recommends	recommend	VERB
aijes-7159	13	14	some	some	DET
aijes-7159	13	15	important	important	ADJ
aijes-7159	13	16	measures	measure	NOUN
aijes-7159	13	17	that	that	PRON
aijes-7159	13	18	should	should	AUX
aijes-7159	13	19	be	be	AUX
aijes-7159	13	20	considered	consider	VERB
aijes-7159	13	21	by	by	ADP
aijes-7159	13	22	the	the	DET
aijes-7159	13	23	albanian	albanian	ADJ
aijes-7159	13	24	government	government	NOUN
aijes-7159	13	25	and	and	CCONJ
aijes-7159	13	26	the	the	DET
aijes-7159	13	27	central	central	ADJ
aijes-7159	13	28	bank	bank	PROPN
aijes-7159	13	29	of	of	ADP
aijes-7159	13	30	albania	albania	PROPN
aijes-7159	13	31	.	.	PUNCT
aijes-7159	14	1	by	by	ADP
aijes-7159	14	2	further	far	ADV
aijes-7159	14	3	stimulating	stimulate	VERB
aijes-7159	14	4	the	the	DET
aijes-7159	14	5	adoption	adoption	NOUN
aijes-7159	14	6	and	and	CCONJ
aijes-7159	14	7	development	development	NOUN
aijes-7159	14	8	of	of	ADP
aijes-7159	14	9	technological	technological	ADJ
aijes-7159	14	10	finance	finance	NOUN
aijes-7159	14	11	in	in	ADP
aijes-7159	14	12	albania	albania	PROPN
aijes-7159	14	13	,	,	PUNCT
aijes-7159	14	14	and	and	CCONJ
aijes-7159	14	15	by	by	ADP
aijes-7159	14	16	implementing	implement	VERB
aijes-7159	14	17	international	international	ADJ
aijes-7159	14	18	protocols	protocol	NOUN
aijes-7159	14	19	regarding	regard	VERB
aijes-7159	14	20	cyber	cyber	PROPN
aijes-7159	14	21	security	security	NOUN
aijes-7159	14	22	.	.	PUNCT
aijes-7159	15	1	keywords	keyword	NOUN
aijes-7159	15	2	:	:	PUNCT
aijes-7159	15	3	financial	financial	ADJ
aijes-7159	15	4	technology	technology	NOUN
aijes-7159	15	5	(	(	PUNCT
aijes-7159	15	6	fintech	fintech	NOUN
aijes-7159	15	7	)	)	PUNCT
aijes-7159	15	8	,	,	PUNCT
aijes-7159	15	9	digital	digital	ADJ
aijes-7159	15	10	payment	payment	NOUN
aijes-7159	15	11	,	,	PUNCT
aijes-7159	15	12	financial	financial	ADJ
aijes-7159	15	13	banking	banking	NOUN
aijes-7159	15	14	system	system	NOUN
aijes-7159	15	15	,	,	PUNCT
aijes-7159	15	16	fintech	fintech	NOUN
aijes-7159	15	17	and	and	CCONJ
aijes-7159	15	18	banking	banking	NOUN
aijes-7159	15	19	.	.	PUNCT
aijes-7159	16	1	1	1	X
aijes-7159	16	2	.	.	X
aijes-7159	16	3	introduction	introduction	NOUN
aijes-7159	16	4	the	the	DET
aijes-7159	16	5	notion	notion	NOUN
aijes-7159	16	6	of	of	ADP
aijes-7159	16	7	fintech	fintech	NOUN
aijes-7159	16	8	is	be	AUX
aijes-7159	16	9	the	the	DET
aijes-7159	16	10	combination	combination	NOUN
aijes-7159	16	11	of	of	ADP
aijes-7159	16	12	the	the	DET
aijes-7159	16	13	words	word	NOUN
aijes-7159	16	14	finance	finance	NOUN
aijes-7159	16	15	and	and	CCONJ
aijes-7159	16	16	technology	technology	NOUN
aijes-7159	16	17	.	.	PUNCT
aijes-7159	17	1	in	in	ADP
aijes-7159	17	2	various	various	ADJ
aijes-7159	17	3	papers	paper	NOUN
aijes-7159	17	4	presented	present	VERB
aijes-7159	17	5	by	by	ADP
aijes-7159	17	6	international	international	ADJ
aijes-7159	17	7	authors	author	NOUN
aijes-7159	17	8	,	,	PUNCT
aijes-7159	17	9	the	the	DET
aijes-7159	17	10	term	term	NOUN
aijes-7159	17	11	banctec	banctec	NOUN
aijes-7159	17	12	is	be	AUX
aijes-7159	17	13	often	often	ADV
aijes-7159	17	14	used	use	VERB
aijes-7159	17	15	as	as	ADP
aijes-7159	17	16	a	a	DET
aijes-7159	17	17	synonym	synonym	NOUN
aijes-7159	17	18	for	for	ADP
aijes-7159	17	19	fintech	fintech	NOUN
aijes-7159	17	20	(	(	PUNCT
aijes-7159	17	21	zavolokina	zavolokina	PROPN
aijes-7159	17	22	,	,	PUNCT
aijes-7159	17	23	2016	2016	NUM
aijes-7159	17	24	)	)	PUNCT
aijes-7159	17	25	.	.	PUNCT
aijes-7159	18	1	this	this	DET
aijes-7159	18	2	term	term	NOUN
aijes-7159	18	3	is	be	AUX
aijes-7159	18	4	essentially	essentially	ADV
aijes-7159	18	5	used	use	VERB
aijes-7159	18	6	to	to	PART
aijes-7159	18	7	describe	describe	VERB
aijes-7159	18	8	the	the	DET
aijes-7159	18	9	application	application	NOUN
aijes-7159	18	10	of	of	ADP
aijes-7159	18	11	new	new	ADJ
aijes-7159	18	12	technologies	technology	NOUN
aijes-7159	18	13	that	that	PRON
aijes-7159	18	14	serve	serve	VERB
aijes-7159	18	15	to	to	PART
aijes-7159	18	16	improve	improve	VERB
aijes-7159	18	17	and	and	CCONJ
aijes-7159	18	18	automate	automate	VERB
aijes-7159	18	19	all	all	DET
aijes-7159	18	20	processes	process	NOUN
aijes-7159	18	21	related	relate	VERB
aijes-7159	18	22	to	to	ADP
aijes-7159	18	23	various	various	ADJ
aijes-7159	18	24	financial	financial	ADJ
aijes-7159	18	25	services	service	NOUN
aijes-7159	18	26	.	.	PUNCT
aijes-7159	19	1	fintech	fintech	NOUN
aijes-7159	19	2	is	be	AUX
aijes-7159	19	3	increasing	increase	VERB
aijes-7159	19	4	its	its	PRON
aijes-7159	19	5	scale	scale	NOUN
aijes-7159	19	6	of	of	ADP
aijes-7159	19	7	expansion	expansion	NOUN
aijes-7159	19	8	in	in	ADP
aijes-7159	19	9	the	the	DET
aijes-7159	19	10	international	international	ADJ
aijes-7159	19	11	economy	economy	NOUN
aijes-7159	19	12	and	and	CCONJ
aijes-7159	19	13	in	in	ADP
aijes-7159	19	14	the	the	DET
aijes-7159	19	15	near	near	ADJ
aijes-7159	19	16	future	future	NOUN
aijes-7159	19	17	it	it	PRON
aijes-7159	19	18	is	be	AUX
aijes-7159	19	19	thought	think	VERB
aijes-7159	19	20	that	that	SCONJ
aijes-7159	19	21	it	it	PRON
aijes-7159	19	22	will	will	AUX
aijes-7159	19	23	rival	rival	VERB
aijes-7159	19	24	the	the	DET
aijes-7159	19	25	banking	banking	NOUN
aijes-7159	19	26	system	system	NOUN
aijes-7159	19	27	,	,	PUNCT
aijes-7159	19	28	as	as	SCONJ
aijes-7159	19	29	the	the	DET
aijes-7159	19	30	products	product	NOUN
aijes-7159	19	31	offered	offer	VERB
aijes-7159	19	32	by	by	ADP
aijes-7159	19	33	fintech	fintech	NOUN
aijes-7159	19	34	are	be	AUX
aijes-7159	19	35	rapidly	rapidly	ADV
aijes-7159	19	36	replacing	replace	VERB
aijes-7159	19	37	the	the	DET
aijes-7159	19	38	services	service	NOUN
aijes-7159	19	39	offered	offer	VERB
aijes-7159	19	40	by	by	ADP
aijes-7159	19	41	the	the	DET
aijes-7159	19	42	banking	banking	NOUN
aijes-7159	19	43	system	system	NOUN
aijes-7159	19	44	and	and	CCONJ
aijes-7159	19	45	beyond	beyond	ADP
aijes-7159	19	46	with	with	ADP
aijes-7159	19	47	innovative	innovative	ADJ
aijes-7159	19	48	products	product	NOUN
aijes-7159	19	49	and	and	CCONJ
aijes-7159	19	50	services	service	NOUN
aijes-7159	19	51	(	(	PUNCT
aijes-7159	19	52	puschmann	puschmann	PROPN
aijes-7159	19	53	,	,	PUNCT
aijes-7159	19	54	2017	2017	NUM
aijes-7159	19	55	)	)	PUNCT
aijes-7159	19	56	.	.	PUNCT
aijes-7159	20	1	the	the	DET
aijes-7159	20	2	combination	combination	NOUN
aijes-7159	20	3	of	of	ADP
aijes-7159	20	4	continuous	continuous	ADJ
aijes-7159	20	5	innovation	innovation	NOUN
aijes-7159	20	6	with	with	ADP
aijes-7159	20	7	mailto:fpjetri@umt.edu.al	mailto:fpjetri@umt.edu.al	NOUN
aijes-7159	20	8	https://orcid.org/0009-0003-7518-1491	https://orcid.org/0009-0003-7518-1491	NOUN
aijes-7159	20	9	mailto:leonardboduri@gmail.com	mailto:leonardboduri@gmail.com	X
aijes-7159	20	10	mailto:rezart.dibra@tbu.edu.al	mailto:rezart.dibra@tbu.edu.al	X
aijes-7159	20	11	mailto:ilirjancukaj@luarasi.univ.edu.al	mailto:ilirjancukaj@luarasi.univ.edu.al	NOUN
aijes-7159	20	12	technological	technological	ADJ
aijes-7159	20	13	finance	finance	NOUN
aijes-7159	20	14	(	(	PUNCT
aijes-7159	20	15	fintech	fintech	NOUN
aijes-7159	20	16	)	)	PUNCT
aijes-7159	20	17	and	and	CCONJ
aijes-7159	20	18	its	its	PRON
aijes-7159	20	19	performance	performance	NOUN
aijes-7159	20	20	in	in	ADP
aijes-7159	20	21	albania	albania	PROPN
aijes-7159	20	22	284	284	NUM
aijes-7159	20	23	digital	digital	ADJ
aijes-7159	20	24	technology	technology	NOUN
aijes-7159	20	25	of	of	ADP
aijes-7159	20	26	this	this	DET
aijes-7159	20	27	spectrum	spectrum	NOUN
aijes-7159	20	28	,	,	PUNCT
aijes-7159	20	29	enabled	enable	VERB
aijes-7159	20	30	the	the	DET
aijes-7159	20	31	creation	creation	NOUN
aijes-7159	20	32	and	and	CCONJ
aijes-7159	20	33	development	development	NOUN
aijes-7159	20	34	of	of	ADP
aijes-7159	20	35	several	several	ADJ
aijes-7159	20	36	fintech	fintech	NOUN
aijes-7159	20	37	models	model	NOUN
aijes-7159	20	38	that	that	PRON
aijes-7159	20	39	are	be	AUX
aijes-7159	20	40	applied	apply	VERB
aijes-7159	20	41	in	in	ADP
aijes-7159	20	42	businesses	business	NOUN
aijes-7159	20	43	(	(	PUNCT
aijes-7159	20	44	giglio	giglio	NOUN
aijes-7159	20	45	,	,	PUNCT
aijes-7159	20	46	2021	2021	NUM
aijes-7159	20	47	)	)	PUNCT
aijes-7159	20	48	.	.	PUNCT
aijes-7159	21	1	as	as	ADP
aijes-7159	21	2	part	part	NOUN
aijes-7159	21	3	of	of	ADP
aijes-7159	21	4	these	these	DET
aijes-7159	21	5	innovations	innovation	NOUN
aijes-7159	21	6	,	,	PUNCT
aijes-7159	21	7	we	we	PRON
aijes-7159	21	8	have	have	VERB
aijes-7159	21	9	a	a	DET
aijes-7159	21	10	continuous	continuous	ADJ
aijes-7159	21	11	increase	increase	NOUN
aijes-7159	21	12	in	in	ADP
aijes-7159	21	13	the	the	DET
aijes-7159	21	14	convergence	convergence	NOUN
aijes-7159	21	15	of	of	ADP
aijes-7159	21	16	the	the	DET
aijes-7159	21	17	two	two	NUM
aijes-7159	21	18	industries	industry	NOUN
aijes-7159	21	19	,	,	PUNCT
aijes-7159	21	20	finance	finance	NOUN
aijes-7159	21	21	and	and	CCONJ
aijes-7159	21	22	information	information	NOUN
aijes-7159	21	23	technology	technology	NOUN
aijes-7159	21	24	.	.	PUNCT
aijes-7159	22	1	in	in	ADP
aijes-7159	22	2	the	the	DET
aijes-7159	22	3	context	context	NOUN
aijes-7159	22	4	of	of	ADP
aijes-7159	22	5	the	the	DET
aijes-7159	22	6	implementation	implementation	NOUN
aijes-7159	22	7	of	of	ADP
aijes-7159	22	8	financial	financial	ADJ
aijes-7159	22	9	technologies	technology	NOUN
aijes-7159	22	10	in	in	ADP
aijes-7159	22	11	various	various	ADJ
aijes-7159	22	12	subjects	subject	NOUN
aijes-7159	22	13	,	,	PUNCT
aijes-7159	22	14	it	it	PRON
aijes-7159	22	15	is	be	AUX
aijes-7159	22	16	observed	observe	VERB
aijes-7159	22	17	that	that	SCONJ
aijes-7159	22	18	the	the	DET
aijes-7159	22	19	cost	cost	NOUN
aijes-7159	22	20	of	of	ADP
aijes-7159	22	21	transactions	transaction	NOUN
aijes-7159	22	22	is	be	AUX
aijes-7159	22	23	decreasing	decrease	VERB
aijes-7159	22	24	,	,	PUNCT
aijes-7159	22	25	the	the	DET
aijes-7159	22	26	efficiency	efficiency	NOUN
aijes-7159	22	27	and	and	CCONJ
aijes-7159	22	28	pace	pace	NOUN
aijes-7159	22	29	of	of	ADP
aijes-7159	22	30	conducting	conduct	VERB
aijes-7159	22	31	transactions	transaction	NOUN
aijes-7159	22	32	has	have	AUX
aijes-7159	22	33	also	also	ADV
aijes-7159	22	34	increased	increase	VERB
aijes-7159	22	35	.	.	PUNCT
aijes-7159	23	1	technological	technological	ADJ
aijes-7159	23	2	finance	finance	NOUN
aijes-7159	23	3	also	also	ADV
aijes-7159	23	4	includes	include	VERB
aijes-7159	23	5	innovations	innovation	NOUN
aijes-7159	23	6	in	in	ADP
aijes-7159	23	7	the	the	DET
aijes-7159	23	8	field	field	NOUN
aijes-7159	23	9	of	of	ADP
aijes-7159	23	10	financial	financial	ADJ
aijes-7159	23	11	education	education	NOUN
aijes-7159	23	12	,	,	PUNCT
aijes-7159	23	13	in	in	ADP
aijes-7159	23	14	the	the	DET
aijes-7159	23	15	field	field	NOUN
aijes-7159	23	16	of	of	ADP
aijes-7159	23	17	investments	investment	NOUN
aijes-7159	23	18	,	,	PUNCT
aijes-7159	23	19	the	the	DET
aijes-7159	23	20	banking	banking	NOUN
aijes-7159	23	21	sector	sector	NOUN
aijes-7159	23	22	and	and	CCONJ
aijes-7159	23	23	cryptocurrencies	cryptocurrencie	NOUN
aijes-7159	23	24	(	(	PUNCT
aijes-7159	23	25	gomber	gomber	NOUN
aijes-7159	23	26	,	,	PUNCT
aijes-7159	23	27	2018	2018	NUM
aijes-7159	23	28	)	)	PUNCT
aijes-7159	23	29	.	.	PUNCT
aijes-7159	24	1	2	2	X
aijes-7159	24	2	.	.	X
aijes-7159	24	3	literature	literature	NOUN
aijes-7159	24	4	review	review	VERB
aijes-7159	24	5	the	the	DET
aijes-7159	24	6	emergence	emergence	NOUN
aijes-7159	24	7	of	of	ADP
aijes-7159	24	8	fintech	fintech	NOUN
aijes-7159	24	9	has	have	AUX
aijes-7159	24	10	helped	help	VERB
aijes-7159	24	11	businesses	business	NOUN
aijes-7159	24	12	reduce	reduce	VERB
aijes-7159	24	13	costs	cost	NOUN
aijes-7159	24	14	and	and	CCONJ
aijes-7159	24	15	increase	increase	VERB
aijes-7159	24	16	profitability	profitability	NOUN
aijes-7159	24	17	resulting	result	VERB
aijes-7159	24	18	in	in	ADP
aijes-7159	24	19	attracting	attract	VERB
aijes-7159	24	20	investors	investor	NOUN
aijes-7159	24	21	and	and	CCONJ
aijes-7159	24	22	media	medium	NOUN
aijes-7159	24	23	(	(	PUNCT
aijes-7159	24	24	haddad	haddad	PROPN
aijes-7159	24	25	,	,	PUNCT
aijes-7159	24	26	2019	2019	NUM
aijes-7159	24	27	)	)	PUNCT
aijes-7159	24	28	.	.	PUNCT
aijes-7159	25	1	these	these	DET
aijes-7159	25	2	investors	investor	NOUN
aijes-7159	25	3	are	be	AUX
aijes-7159	25	4	not	not	PART
aijes-7159	25	5	only	only	ADV
aijes-7159	25	6	interested	interested	ADJ
aijes-7159	25	7	because	because	SCONJ
aijes-7159	25	8	of	of	ADP
aijes-7159	25	9	the	the	DET
aijes-7159	25	10	profitability	profitability	NOUN
aijes-7159	25	11	,	,	PUNCT
aijes-7159	25	12	but	but	CCONJ
aijes-7159	25	13	also	also	ADV
aijes-7159	25	14	because	because	SCONJ
aijes-7159	25	15	it	it	PRON
aijes-7159	25	16	is	be	AUX
aijes-7159	25	17	beneficial	beneficial	ADJ
aijes-7159	25	18	for	for	ADP
aijes-7159	25	19	society	society	NOUN
aijes-7159	25	20	.	.	PUNCT
aijes-7159	26	1	to	to	PART
aijes-7159	26	2	further	far	ADV
aijes-7159	26	3	elaborate	elaborate	VERB
aijes-7159	26	4	,	,	PUNCT
aijes-7159	26	5	fintech	fintech	NOUN
aijes-7159	26	6	has	have	AUX
aijes-7159	26	7	provided	provide	VERB
aijes-7159	26	8	alternative	alternative	ADJ
aijes-7159	26	9	opportunities	opportunity	NOUN
aijes-7159	26	10	for	for	ADP
aijes-7159	26	11	underserved	underserved	ADJ
aijes-7159	26	12	societies	society	NOUN
aijes-7159	26	13	where	where	SCONJ
aijes-7159	26	14	people	people	NOUN
aijes-7159	26	15	,	,	PUNCT
aijes-7159	26	16	for	for	ADP
aijes-7159	26	17	example	example	NOUN
aijes-7159	26	18	,	,	PUNCT
aijes-7159	26	19	do	do	AUX
aijes-7159	26	20	not	not	PART
aijes-7159	26	21	have	have	VERB
aijes-7159	26	22	bank	bank	NOUN
aijes-7159	26	23	accounts	account	NOUN
aijes-7159	26	24	.	.	PUNCT
aijes-7159	27	1	for	for	ADP
aijes-7159	27	2	example	example	NOUN
aijes-7159	27	3	,	,	PUNCT
aijes-7159	27	4	people	people	NOUN
aijes-7159	27	5	who	who	PRON
aijes-7159	27	6	do	do	AUX
aijes-7159	27	7	n't	not	PART
aijes-7159	27	8	get	get	VERB
aijes-7159	27	9	loans	loan	NOUN
aijes-7159	27	10	from	from	ADP
aijes-7159	27	11	traditional	traditional	ADJ
aijes-7159	27	12	banks	bank	NOUN
aijes-7159	27	13	for	for	ADP
aijes-7159	27	14	home	home	NOUN
aijes-7159	27	15	loans	loan	NOUN
aijes-7159	27	16	turn	turn	VERB
aijes-7159	27	17	to	to	PART
aijes-7159	27	18	shadow	shadow	VERB
aijes-7159	27	19	banks	bank	NOUN
aijes-7159	27	20	and	and	CCONJ
aijes-7159	27	21	fintech	fintech	NOUN
aijes-7159	27	22	shadow	shadow	NOUN
aijes-7159	27	23	banks	bank	NOUN
aijes-7159	27	24	,	,	PUNCT
aijes-7159	27	25	which	which	PRON
aijes-7159	27	26	tend	tend	VERB
aijes-7159	27	27	to	to	PART
aijes-7159	27	28	give	give	VERB
aijes-7159	27	29	them	they	PRON
aijes-7159	27	30	loans	loan	NOUN
aijes-7159	27	31	without	without	ADP
aijes-7159	27	32	any	any	DET
aijes-7159	27	33	calculation	calculation	NOUN
aijes-7159	27	34	and	and	CCONJ
aijes-7159	27	35	bank	bank	NOUN
aijes-7159	27	36	account	account	NOUN
aijes-7159	27	37	requirements	requirement	NOUN
aijes-7159	27	38	.	.	PUNCT
aijes-7159	28	1	however	however	ADV
aijes-7159	28	2	,	,	PUNCT
aijes-7159	28	3	on	on	ADP
aijes-7159	28	4	the	the	DET
aijes-7159	28	5	other	other	ADJ
aijes-7159	28	6	hand	hand	NOUN
aijes-7159	28	7	,	,	PUNCT
aijes-7159	28	8	these	these	DET
aijes-7159	28	9	loans	loan	NOUN
aijes-7159	28	10	are	be	AUX
aijes-7159	28	11	characterized	characterize	VERB
aijes-7159	28	12	by	by	ADP
aijes-7159	28	13	higher	high	ADJ
aijes-7159	28	14	interest	interest	NOUN
aijes-7159	28	15	rates	rate	NOUN
aijes-7159	28	16	,	,	PUNCT
aijes-7159	28	17	which	which	PRON
aijes-7159	28	18	in	in	ADP
aijes-7159	28	19	turn	turn	NOUN
aijes-7159	28	20	attracts	attract	VERB
aijes-7159	28	21	a	a	DET
aijes-7159	28	22	certain	certain	ADJ
aijes-7159	28	23	segment	segment	NOUN
aijes-7159	28	24	of	of	ADP
aijes-7159	28	25	investors	investor	NOUN
aijes-7159	28	26	(	(	PUNCT
aijes-7159	28	27	buchak	buchak	NOUN
aijes-7159	28	28	,	,	PUNCT
aijes-7159	28	29	2018	2018	NUM
aijes-7159	28	30	)	)	PUNCT
aijes-7159	28	31	.	.	PUNCT
aijes-7159	29	1	the	the	DET
aijes-7159	29	2	reason	reason	NOUN
aijes-7159	29	3	for	for	ADP
aijes-7159	29	4	this	this	PRON
aijes-7159	29	5	is	be	AUX
aijes-7159	29	6	that	that	SCONJ
aijes-7159	29	7	fintech	fintech	NOUN
aijes-7159	29	8	makes	make	VERB
aijes-7159	29	9	it	it	PRON
aijes-7159	29	10	easy	easy	ADJ
aijes-7159	29	11	and	and	CCONJ
aijes-7159	29	12	low	low	ADJ
aijes-7159	29	13	-	-	PUNCT
aijes-7159	29	14	cost	cost	NOUN
aijes-7159	29	15	to	to	PART
aijes-7159	29	16	do	do	VERB
aijes-7159	29	17	charity	charity	NOUN
aijes-7159	29	18	work	work	NOUN
aijes-7159	29	19	,	,	PUNCT
aijes-7159	29	20	regardless	regardless	ADV
aijes-7159	29	21	of	of	ADP
aijes-7159	29	22	their	their	PRON
aijes-7159	29	23	income	income	NOUN
aijes-7159	29	24	level	level	NOUN
aijes-7159	29	25	.	.	PUNCT
aijes-7159	30	1	this	this	DET
aijes-7159	30	2	emerging	emerge	VERB
aijes-7159	30	3	and	and	CCONJ
aijes-7159	30	4	innovative	innovative	ADJ
aijes-7159	30	5	industry	industry	NOUN
aijes-7159	30	6	has	have	AUX
aijes-7159	30	7	also	also	ADV
aijes-7159	30	8	attracted	attract	VERB
aijes-7159	30	9	media	medium	NOUN
aijes-7159	30	10	attention	attention	NOUN
aijes-7159	30	11	due	due	ADP
aijes-7159	30	12	to	to	ADP
aijes-7159	30	13	innovative	innovative	ADJ
aijes-7159	30	14	and	and	CCONJ
aijes-7159	30	15	appealing	appealing	ADJ
aijes-7159	30	16	solutions	solution	NOUN
aijes-7159	30	17	to	to	ADP
aijes-7159	30	18	the	the	DET
aijes-7159	30	19	general	general	ADJ
aijes-7159	30	20	public	public	NOUN
aijes-7159	30	21	.	.	PUNCT
aijes-7159	31	1	fintech	fintech	NOUN
aijes-7159	31	2	uses	use	VERB
aijes-7159	31	3	big	big	ADJ
aijes-7159	31	4	data	datum	NOUN
aijes-7159	31	5	analytics	analytic	NOUN
aijes-7159	31	6	to	to	PART
aijes-7159	31	7	better	well	ADV
aijes-7159	31	8	understand	understand	VERB
aijes-7159	31	9	consumer	consumer	NOUN
aijes-7159	31	10	behaviors	behavior	NOUN
aijes-7159	31	11	,	,	PUNCT
aijes-7159	31	12	needs	need	NOUN
aijes-7159	31	13	and	and	CCONJ
aijes-7159	31	14	demands	demand	NOUN
aijes-7159	31	15	to	to	PART
aijes-7159	31	16	find	find	VERB
aijes-7159	31	17	the	the	DET
aijes-7159	31	18	best	good	ADJ
aijes-7159	31	19	possible	possible	ADJ
aijes-7159	31	20	solutions	solution	NOUN
aijes-7159	31	21	,	,	PUNCT
aijes-7159	31	22	which	which	PRON
aijes-7159	31	23	was	be	AUX
aijes-7159	31	24	once	once	ADV
aijes-7159	31	25	done	do	VERB
aijes-7159	31	26	by	by	ADP
aijes-7159	31	27	big	big	ADJ
aijes-7159	31	28	data	datum	NOUN
aijes-7159	31	29	companies	company	NOUN
aijes-7159	31	30	and	and	CCONJ
aijes-7159	31	31	cloud	cloud	NOUN
aijes-7159	31	32	technology	technology	NOUN
aijes-7159	31	33	companies	company	NOUN
aijes-7159	31	34	(	(	PUNCT
aijes-7159	31	35	lee	lee	PROPN
aijes-7159	31	36	,	,	PUNCT
aijes-7159	31	37	2018	2018	NUM
aijes-7159	31	38	)	)	PUNCT
aijes-7159	31	39	.	.	PUNCT
aijes-7159	32	1	increasingly	increasingly	ADV
aijes-7159	32	2	,	,	PUNCT
aijes-7159	32	3	financial	financial	ADJ
aijes-7159	32	4	technology	technology	NOUN
aijes-7159	32	5	is	be	AUX
aijes-7159	32	6	becoming	become	VERB
aijes-7159	32	7	commonplace	commonplace	ADJ
aijes-7159	32	8	not	not	PART
aijes-7159	32	9	only	only	ADV
aijes-7159	32	10	for	for	ADP
aijes-7159	32	11	consumers	consumer	NOUN
aijes-7159	32	12	but	but	CCONJ
aijes-7159	32	13	also	also	ADV
aijes-7159	32	14	for	for	ADP
aijes-7159	32	15	the	the	DET
aijes-7159	32	16	general	general	ADJ
aijes-7159	32	17	public	public	NOUN
aijes-7159	32	18	(	(	PUNCT
aijes-7159	32	19	haddad	haddad	PROPN
aijes-7159	32	20	,	,	PUNCT
aijes-7159	32	21	2019	2019	NUM
aijes-7159	32	22	)	)	PUNCT
aijes-7159	32	23	.	.	PUNCT
aijes-7159	33	1	innovation	innovation	NOUN
aijes-7159	33	2	has	have	VERB
aijes-7159	33	3	its	its	PRON
aijes-7159	33	4	own	own	ADJ
aijes-7159	33	5	issues	issue	NOUN
aijes-7159	33	6	such	such	ADJ
aijes-7159	33	7	as	as	ADP
aijes-7159	33	8	stability	stability	NOUN
aijes-7159	33	9	,	,	PUNCT
aijes-7159	33	10	sustainability	sustainability	NOUN
aijes-7159	33	11	(	(	PUNCT
aijes-7159	33	12	leong	leong	PROPN
aijes-7159	33	13	,	,	PUNCT
aijes-7159	33	14	2017	2017	NUM
aijes-7159	33	15	)	)	PUNCT
aijes-7159	33	16	and	and	CCONJ
aijes-7159	33	17	the	the	DET
aijes-7159	33	18	safety	safety	NOUN
aijes-7159	33	19	.	.	PUNCT
aijes-7159	34	1	technological	technological	ADJ
aijes-7159	34	2	finance	finance	NOUN
aijes-7159	34	3	should	should	AUX
aijes-7159	34	4	be	be	AUX
aijes-7159	34	5	an	an	DET
aijes-7159	34	6	essential	essential	ADJ
aijes-7159	34	7	part	part	NOUN
aijes-7159	34	8	of	of	ADP
aijes-7159	34	9	the	the	DET
aijes-7159	34	10	overall	overall	ADJ
aijes-7159	34	11	policy	policy	NOUN
aijes-7159	34	12	solution	solution	NOUN
aijes-7159	34	13	to	to	PART
aijes-7159	34	14	help	help	AUX
aijes-7159	34	15	identify	identify	VERB
aijes-7159	34	16	and	and	CCONJ
aijes-7159	34	17	address	address	VERB
aijes-7159	34	18	the	the	DET
aijes-7159	34	19	challenges	challenge	NOUN
aijes-7159	34	20	in	in	ADP
aijes-7159	34	21	increasing	increase	VERB
aijes-7159	34	22	finance	finance	NOUN
aijes-7159	34	23	(	(	PUNCT
aijes-7159	34	24	loukoianova	loukoianova	PROPN
aijes-7159	34	25	,	,	PUNCT
aijes-7159	34	26	2024	2024	NUM
aijes-7159	34	27	)	)	PUNCT
aijes-7159	34	28	.	.	PUNCT
aijes-7159	35	1	innovations	innovation	NOUN
aijes-7159	35	2	in	in	ADP
aijes-7159	35	3	the	the	DET
aijes-7159	35	4	industry	industry	NOUN
aijes-7159	35	5	,	,	PUNCT
aijes-7159	35	6	in	in	ADP
aijes-7159	35	7	which	which	PRON
aijes-7159	35	8	technological	technological	ADJ
aijes-7159	35	9	finances	finance	NOUN
aijes-7159	35	10	are	be	AUX
aijes-7159	35	11	a	a	DET
aijes-7159	35	12	part	part	NOUN
aijes-7159	35	13	,	,	PUNCT
aijes-7159	35	14	are	be	AUX
aijes-7159	35	15	making	make	VERB
aijes-7159	35	16	it	it	PRON
aijes-7159	35	17	possible	possible	ADJ
aijes-7159	35	18	to	to	PART
aijes-7159	35	19	increase	increase	VERB
aijes-7159	35	20	the	the	DET
aijes-7159	35	21	degree	degree	NOUN
aijes-7159	35	22	and	and	CCONJ
aijes-7159	35	23	quality	quality	NOUN
aijes-7159	35	24	of	of	ADP
aijes-7159	35	25	cooperation	cooperation	NOUN
aijes-7159	35	26	between	between	ADP
aijes-7159	35	27	fintech	fintech	NOUN
aijes-7159	35	28	companies	company	NOUN
aijes-7159	35	29	and	and	CCONJ
aijes-7159	35	30	financial	financial	ADJ
aijes-7159	35	31	institutions	institution	NOUN
aijes-7159	35	32	,	,	PUNCT
aijes-7159	35	33	especially	especially	ADV
aijes-7159	35	34	in	in	ADP
aijes-7159	35	35	the	the	DET
aijes-7159	35	36	banking	banking	NOUN
aijes-7159	35	37	spectrum	spectrum	NOUN
aijes-7159	35	38	.	.	PUNCT
aijes-7159	36	1	also	also	ADV
aijes-7159	36	2	,	,	PUNCT
aijes-7159	36	3	these	these	DET
aijes-7159	36	4	innovations	innovation	NOUN
aijes-7159	36	5	are	be	AUX
aijes-7159	36	6	improving	improve	VERB
aijes-7159	36	7	the	the	DET
aijes-7159	36	8	quality	quality	NOUN
aijes-7159	36	9	of	of	ADP
aijes-7159	36	10	the	the	DET
aijes-7159	36	11	realization	realization	NOUN
aijes-7159	36	12	of	of	ADP
aijes-7159	36	13	the	the	DET
aijes-7159	36	14	whole	whole	NOUN
aijes-7159	36	15	of	of	ADP
aijes-7159	36	16	the	the	DET
aijes-7159	36	17	transactions	transaction	NOUN
aijes-7159	36	18	that	that	PRON
aijes-7159	36	19	develop	develop	VERB
aijes-7159	36	20	between	between	ADP
aijes-7159	36	21	financial	financial	ADJ
aijes-7159	36	22	institutions	institution	NOUN
aijes-7159	36	23	and	and	CCONJ
aijes-7159	36	24	their	their	PRON
aijes-7159	36	25	customers	customer	NOUN
aijes-7159	36	26	(	(	PUNCT
aijes-7159	36	27	arner	arner	NOUN
aijes-7159	36	28	,	,	PUNCT
aijes-7159	36	29	2020	2020	NUM
aijes-7159	36	30	)	)	PUNCT
aijes-7159	36	31	.	.	PUNCT
aijes-7159	37	1	experience	experience	NOUN
aijes-7159	37	2	gained	gain	VERB
aijes-7159	37	3	during	during	ADP
aijes-7159	37	4	the	the	DET
aijes-7159	37	5	period	period	NOUN
aijes-7159	37	6	of	of	ADP
aijes-7159	37	7	covid-19	covid-19	PROPN
aijes-7159	37	8	highlighted	highlight	VERB
aijes-7159	37	9	the	the	DET
aijes-7159	37	10	importance	importance	NOUN
aijes-7159	37	11	of	of	ADP
aijes-7159	37	12	promoting	promote	VERB
aijes-7159	37	13	digital	digital	ADJ
aijes-7159	37	14	spectrum	spectrum	NOUN
aijes-7159	37	15	services	service	NOUN
aijes-7159	37	16	,	,	PUNCT
aijes-7159	37	17	especially	especially	ADV
aijes-7159	37	18	for	for	ADP
aijes-7159	37	19	individuals	individual	NOUN
aijes-7159	37	20	and	and	CCONJ
aijes-7159	37	21	various	various	ADJ
aijes-7159	37	22	economic	economic	ADJ
aijes-7159	37	23	entities	entity	NOUN
aijes-7159	37	24	.	.	PUNCT
aijes-7159	38	1	the	the	DET
aijes-7159	38	2	financial	financial	ADJ
aijes-7159	38	3	sector	sector	NOUN
aijes-7159	38	4	of	of	ADP
aijes-7159	38	5	the	the	DET
aijes-7159	38	6	economy	economy	NOUN
aijes-7159	38	7	,	,	PUNCT
aijes-7159	38	8	which	which	PRON
aijes-7159	38	9	includes	include	VERB
aijes-7159	38	10	the	the	DET
aijes-7159	38	11	fintech	fintech	NOUN
aijes-7159	38	12	sector	sector	NOUN
aijes-7159	38	13	,	,	PUNCT
aijes-7159	38	14	has	have	AUX
aijes-7159	38	15	been	be	AUX
aijes-7159	38	16	growing	grow	VERB
aijes-7159	38	17	steadily	steadily	ADV
aijes-7159	38	18	,	,	PUNCT
aijes-7159	38	19	especially	especially	ADV
aijes-7159	38	20	over	over	ADP
aijes-7159	38	21	the	the	DET
aijes-7159	38	22	last	last	ADJ
aijes-7159	38	23	years	year	NOUN
aijes-7159	38	24	.	.	PUNCT
aijes-7159	39	1	during	during	ADP
aijes-7159	39	2	this	this	DET
aijes-7159	39	3	period	period	NOUN
aijes-7159	39	4	,	,	PUNCT
aijes-7159	39	5	it	it	PRON
aijes-7159	39	6	has	have	AUX
aijes-7159	39	7	been	be	AUX
aijes-7159	39	8	observed	observe	VERB
aijes-7159	39	9	that	that	SCONJ
aijes-7159	39	10	universal	universal	ADJ
aijes-7159	39	11	banks	bank	NOUN
aijes-7159	39	12	are	be	AUX
aijes-7159	39	13	losing	lose	VERB
aijes-7159	39	14	a	a	DET
aijes-7159	39	15	comparative	comparative	ADJ
aijes-7159	39	16	advantage	advantage	NOUN
aijes-7159	39	17	that	that	PRON
aijes-7159	39	18	has	have	AUX
aijes-7159	39	19	come	come	VERB
aijes-7159	39	20	from	from	ADP
aijes-7159	39	21	more	more	ADV
aijes-7159	39	22	immediate	immediate	ADJ
aijes-7159	39	23	access	access	NOUN
aijes-7159	39	24	to	to	ADP
aijes-7159	39	25	information	information	NOUN
aijes-7159	39	26	from	from	ADP
aijes-7159	39	27	entities	entity	NOUN
aijes-7159	39	28	seeking	seek	VERB
aijes-7159	39	29	credit	credit	NOUN
aijes-7159	39	30	to	to	PART
aijes-7159	39	31	expand	expand	VERB
aijes-7159	39	32	their	their	PRON
aijes-7159	39	33	activity	activity	NOUN
aijes-7159	39	34	(	(	PUNCT
aijes-7159	39	35	stulz	stulz	ADJ
aijes-7159	39	36	,	,	PUNCT
aijes-7159	39	37	2019	2019	NUM
aijes-7159	39	38	)	)	PUNCT
aijes-7159	39	39	.	.	PUNCT
aijes-7159	40	1	fiscal	fiscal	ADJ
aijes-7159	40	2	policies	policy	NOUN
aijes-7159	40	3	that	that	PRON
aijes-7159	40	4	are	be	AUX
aijes-7159	40	5	applied	apply	VERB
aijes-7159	40	6	in	in	ADP
aijes-7159	40	7	different	different	ADJ
aijes-7159	40	8	countries	country	NOUN
aijes-7159	40	9	should	should	AUX
aijes-7159	40	10	have	have	VERB
aijes-7159	40	11	a	a	DET
aijes-7159	40	12	focus	focus	NOUN
aijes-7159	40	13	,	,	PUNCT
aijes-7159	40	14	more	more	ADV
aijes-7159	40	15	substantial	substantial	ADJ
aijes-7159	40	16	investments	investment	NOUN
aijes-7159	40	17	,	,	PUNCT
aijes-7159	40	18	especially	especially	ADV
aijes-7159	40	19	in	in	ADP
aijes-7159	40	20	the	the	DET
aijes-7159	40	21	digital	digital	ADJ
aijes-7159	40	22	spectrum	spectrum	NOUN
aijes-7159	40	23	.	.	PUNCT
aijes-7159	41	1	however	however	ADV
aijes-7159	41	2	,	,	PUNCT
aijes-7159	41	3	innovation	innovation	NOUN
aijes-7159	41	4	has	have	VERB
aijes-7159	41	5	the	the	DET
aijes-7159	41	6	potential	potential	NOUN
aijes-7159	41	7	for	for	ADP
aijes-7159	41	8	consumer	consumer	NOUN
aijes-7159	41	9	and	and	CCONJ
aijes-7159	41	10	reputational	reputational	ADJ
aijes-7159	41	11	well	well	ADV
aijes-7159	41	12	-	-	PUNCT
aijes-7159	41	13	being	being	NOUN
aijes-7159	41	14	of	of	ADP
aijes-7159	41	15	regulators	regulator	NOUN
aijes-7159	41	16	,	,	PUNCT
aijes-7159	41	17	supervisors	supervisor	NOUN
aijes-7159	41	18	and	and	CCONJ
aijes-7159	41	19	the	the	DET
aijes-7159	41	20	financial	financial	ADJ
aijes-7159	41	21	services	service	NOUN
aijes-7159	41	22	industry	industry	NOUN
aijes-7159	41	23	(	(	PUNCT
aijes-7159	41	24	anagnostopoulos	anagnostopoulo	NOUN
aijes-7159	41	25	,	,	PUNCT
aijes-7159	41	26	2018	2018	NUM
aijes-7159	41	27	)	)	PUNCT
aijes-7159	41	28	.	.	PUNCT
aijes-7159	42	1	fabian	fabian	PROPN
aijes-7159	42	2	pjetri	pjetri	PROPN
aijes-7159	42	3	,	,	PUNCT
aijes-7159	42	4	leonard	leonard	PROPN
aijes-7159	42	5	boduri	boduri	PROPN
aijes-7159	42	6	,	,	PUNCT
aijes-7159	42	7	rezart	rezart	PROPN
aijes-7159	42	8	dibra	dibra	PROPN
aijes-7159	42	9	,	,	PUNCT
aijes-7159	42	10	ilirjan	ilirjan	NOUN
aijes-7159	42	11	cukaj	cukaj	NOUN
aijes-7159	42	12	285	285	NUM
aijes-7159	42	13	3	3	NUM
aijes-7159	42	14	.	.	PUNCT
aijes-7159	42	15	methodology	methodology	NOUN
aijes-7159	42	16	the	the	DET
aijes-7159	42	17	paper	paper	NOUN
aijes-7159	42	18	presented	present	VERB
aijes-7159	42	19	by	by	ADP
aijes-7159	42	20	the	the	DET
aijes-7159	42	21	authors	author	NOUN
aijes-7159	42	22	is	be	AUX
aijes-7159	42	23	mainly	mainly	ADV
aijes-7159	42	24	based	base	VERB
aijes-7159	42	25	on	on	ADP
aijes-7159	42	26	primary	primary	ADJ
aijes-7159	42	27	data	datum	NOUN
aijes-7159	42	28	of	of	ADP
aijes-7159	42	29	both	both	CCONJ
aijes-7159	42	30	the	the	DET
aijes-7159	42	31	qualitative	qualitative	ADJ
aijes-7159	42	32	and	and	CCONJ
aijes-7159	42	33	quantitative	quantitative	ADJ
aijes-7159	42	34	spectrum	spectrum	NOUN
aijes-7159	42	35	.	.	PUNCT
aijes-7159	43	1	also	also	ADV
aijes-7159	43	2	in	in	ADP
aijes-7159	43	3	this	this	DET
aijes-7159	43	4	paper	paper	NOUN
aijes-7159	43	5	,	,	PUNCT
aijes-7159	43	6	secondary	secondary	ADJ
aijes-7159	43	7	data	datum	NOUN
aijes-7159	43	8	provided	provide	VERB
aijes-7159	43	9	by	by	ADP
aijes-7159	43	10	institutions	institution	NOUN
aijes-7159	43	11	at	at	ADP
aijes-7159	43	12	the	the	DET
aijes-7159	43	13	national	national	ADJ
aijes-7159	43	14	and	and	CCONJ
aijes-7159	43	15	international	international	ADJ
aijes-7159	43	16	level	level	NOUN
aijes-7159	43	17	have	have	AUX
aijes-7159	43	18	been	be	AUX
aijes-7159	43	19	used	use	VERB
aijes-7159	43	20	.	.	PUNCT
aijes-7159	44	1	the	the	DET
aijes-7159	44	2	research	research	NOUN
aijes-7159	44	3	model	model	NOUN
aijes-7159	44	4	applied	apply	VERB
aijes-7159	44	5	by	by	ADP
aijes-7159	44	6	the	the	DET
aijes-7159	44	7	authors	author	NOUN
aijes-7159	44	8	is	be	AUX
aijes-7159	44	9	based	base	VERB
aijes-7159	44	10	and	and	CCONJ
aijes-7159	44	11	structured	structure	VERB
aijes-7159	44	12	around	around	ADP
aijes-7159	44	13	a	a	DET
aijes-7159	44	14	questionnaire	questionnaire	NOUN
aijes-7159	44	15	that	that	PRON
aijes-7159	44	16	aims	aim	VERB
aijes-7159	44	17	and	and	CCONJ
aijes-7159	44	18	aims	aim	VERB
aijes-7159	44	19	to	to	PART
aijes-7159	44	20	assess	assess	VERB
aijes-7159	44	21	the	the	DET
aijes-7159	44	22	possibility	possibility	NOUN
aijes-7159	44	23	of	of	ADP
aijes-7159	44	24	the	the	DET
aijes-7159	44	25	growth	growth	NOUN
aijes-7159	44	26	of	of	ADP
aijes-7159	44	27	technological	technological	ADJ
aijes-7159	44	28	finance	finance	NOUN
aijes-7159	44	29	in	in	ADP
aijes-7159	44	30	the	the	DET
aijes-7159	44	31	state	state	NOUN
aijes-7159	44	32	of	of	ADP
aijes-7159	44	33	albania	albania	PROPN
aijes-7159	44	34	.	.	PUNCT
aijes-7159	45	1	looking	look	VERB
aijes-7159	45	2	at	at	ADP
aijes-7159	45	3	and	and	CCONJ
aijes-7159	45	4	studying	study	VERB
aijes-7159	45	5	this	this	DET
aijes-7159	45	6	approach	approach	NOUN
aijes-7159	45	7	both	both	CCONJ
aijes-7159	45	8	from	from	ADP
aijes-7159	45	9	the	the	DET
aijes-7159	45	10	point	point	NOUN
aijes-7159	45	11	of	of	ADP
aijes-7159	45	12	view	view	NOUN
aijes-7159	45	13	of	of	ADP
aijes-7159	45	14	consumer	consumer	NOUN
aijes-7159	45	15	demand	demand	NOUN
aijes-7159	45	16	for	for	ADP
aijes-7159	45	17	fintech	fintech	NOUN
aijes-7159	45	18	products	product	NOUN
aijes-7159	45	19	and	and	CCONJ
aijes-7159	45	20	from	from	ADP
aijes-7159	45	21	the	the	DET
aijes-7159	45	22	point	point	NOUN
aijes-7159	45	23	of	of	ADP
aijes-7159	45	24	view	view	NOUN
aijes-7159	45	25	of	of	ADP
aijes-7159	45	26	supply	supply	NOUN
aijes-7159	45	27	.	.	PUNCT
aijes-7159	46	1	data	datum	NOUN
aijes-7159	46	2	collection	collection	NOUN
aijes-7159	46	3	process	process	NOUN
aijes-7159	46	4	by	by	ADP
aijes-7159	46	5	the	the	DET
aijes-7159	46	6	authors	author	NOUN
aijes-7159	46	7	.	.	PUNCT
aijes-7159	47	1	the	the	DET
aijes-7159	47	2	totality	totality	NOUN
aijes-7159	47	3	of	of	ADP
aijes-7159	47	4	primary	primary	ADJ
aijes-7159	47	5	data	datum	NOUN
aijes-7159	47	6	collected	collect	VERB
aijes-7159	47	7	through	through	ADP
aijes-7159	47	8	this	this	DET
aijes-7159	47	9	questionnaire	questionnaire	NOUN
aijes-7159	47	10	is	be	AUX
aijes-7159	47	11	presented	present	VERB
aijes-7159	47	12	as	as	SCONJ
aijes-7159	47	13	follows	follow	VERB
aijes-7159	47	14	.	.	PUNCT
aijes-7159	48	1	the	the	DET
aijes-7159	48	2	questionnaires	questionnaire	NOUN
aijes-7159	48	3	were	be	AUX
aijes-7159	48	4	distributed	distribute	VERB
aijes-7159	48	5	both	both	CCONJ
aijes-7159	48	6	physically	physically	ADV
aijes-7159	48	7	and	and	CCONJ
aijes-7159	48	8	electronically	electronically	ADV
aijes-7159	48	9	using	use	VERB
aijes-7159	48	10	the	the	DET
aijes-7159	48	11	microsoft	microsoft	PROPN
aijes-7159	48	12	forms	forms	PROPN
aijes-7159	48	13	software	software	NOUN
aijes-7159	48	14	program	program	NOUN
aijes-7159	48	15	.	.	PUNCT
aijes-7159	49	1	the	the	DET
aijes-7159	49	2	authors	author	NOUN
aijes-7159	49	3	considered	consider	VERB
aijes-7159	49	4	a	a	DET
aijes-7159	49	5	total	total	NOUN
aijes-7159	49	6	of	of	ADP
aijes-7159	49	7	574	574	NUM
aijes-7159	49	8	valid	valid	ADJ
aijes-7159	49	9	questionnaires	questionnaire	NOUN
aijes-7159	49	10	to	to	PART
aijes-7159	49	11	be	be	AUX
aijes-7159	49	12	part	part	NOUN
aijes-7159	49	13	of	of	ADP
aijes-7159	49	14	this	this	DET
aijes-7159	49	15	study	study	NOUN
aijes-7159	49	16	.	.	PUNCT
aijes-7159	50	1	out	out	ADP
aijes-7159	50	2	of	of	ADP
aijes-7159	50	3	the	the	DET
aijes-7159	50	4	total	total	NOUN
aijes-7159	50	5	of	of	ADP
aijes-7159	50	6	425	425	NUM
aijes-7159	50	7	questionnaires	questionnaire	NOUN
aijes-7159	50	8	that	that	PRON
aijes-7159	50	9	were	be	AUX
aijes-7159	50	10	distributed	distribute	VERB
aijes-7159	50	11	in	in	ADP
aijes-7159	50	12	hard	hard	ADJ
aijes-7159	50	13	copy	copy	NOUN
aijes-7159	50	14	format	format	NOUN
aijes-7159	50	15	,	,	PUNCT
aijes-7159	50	16	only	only	ADV
aijes-7159	50	17	260	260	NUM
aijes-7159	50	18	questionnaires	questionnaire	NOUN
aijes-7159	50	19	were	be	AUX
aijes-7159	50	20	fully	fully	ADV
aijes-7159	50	21	completed	complete	VERB
aijes-7159	50	22	and	and	CCONJ
aijes-7159	50	23	were	be	AUX
aijes-7159	50	24	considered	consider	VERB
aijes-7159	50	25	valid	valid	ADJ
aijes-7159	50	26	.	.	PUNCT
aijes-7159	51	1	meanwhile	meanwhile	ADV
aijes-7159	51	2	,	,	PUNCT
aijes-7159	51	3	314	314	NUM
aijes-7159	51	4	questionnaires	questionnaire	NOUN
aijes-7159	51	5	were	be	AUX
aijes-7159	51	6	completed	complete	VERB
aijes-7159	51	7	by	by	ADP
aijes-7159	51	8	the	the	DET
aijes-7159	51	9	interviewees	interviewee	NOUN
aijes-7159	51	10	electronically	electronically	ADV
aijes-7159	51	11	using	use	VERB
aijes-7159	51	12	the	the	DET
aijes-7159	51	13	microsoft	microsoft	PROPN
aijes-7159	51	14	forms	form	NOUN
aijes-7159	51	15	program	program	NOUN
aijes-7159	51	16	.	.	PUNCT
aijes-7159	52	1	the	the	DET
aijes-7159	52	2	entire	entire	ADJ
aijes-7159	52	3	process	process	NOUN
aijes-7159	52	4	of	of	ADP
aijes-7159	52	5	distributing	distribute	VERB
aijes-7159	52	6	,	,	PUNCT
aijes-7159	52	7	completing	complete	VERB
aijes-7159	52	8	and	and	CCONJ
aijes-7159	52	9	collecting	collect	VERB
aijes-7159	52	10	all	all	DET
aijes-7159	52	11	the	the	DET
aijes-7159	52	12	questionnaires	questionnaire	NOUN
aijes-7159	52	13	was	be	AUX
aijes-7159	52	14	spread	spread	VERB
aijes-7159	52	15	over	over	ADP
aijes-7159	52	16	a	a	DET
aijes-7159	52	17	period	period	NOUN
aijes-7159	52	18	of	of	ADP
aijes-7159	52	19	eight	eight	NUM
aijes-7159	52	20	months	month	NOUN
aijes-7159	52	21	.	.	PUNCT
aijes-7159	53	1	more	more	ADV
aijes-7159	53	2	specifically	specifically	ADV
aijes-7159	53	3	,	,	PUNCT
aijes-7159	53	4	the	the	DET
aijes-7159	53	5	filling	filling	NOUN
aijes-7159	53	6	process	process	NOUN
aijes-7159	53	7	started	start	VERB
aijes-7159	53	8	in	in	ADP
aijes-7159	53	9	june	june	PROPN
aijes-7159	53	10	2024	2024	NUM
aijes-7159	53	11	until	until	ADP
aijes-7159	53	12	january	january	PROPN
aijes-7159	53	13	2025	2025	NUM
aijes-7159	53	14	.	.	PUNCT
aijes-7159	54	1	all	all	DET
aijes-7159	54	2	the	the	DET
aijes-7159	54	3	individuals	individual	NOUN
aijes-7159	54	4	who	who	PRON
aijes-7159	54	5	took	take	VERB
aijes-7159	54	6	part	part	NOUN
aijes-7159	54	7	in	in	ADP
aijes-7159	54	8	this	this	DET
aijes-7159	54	9	survey	survey	NOUN
aijes-7159	54	10	are	be	AUX
aijes-7159	54	11	people	people	NOUN
aijes-7159	54	12	who	who	PRON
aijes-7159	54	13	live	live	VERB
aijes-7159	54	14	in	in	ADP
aijes-7159	54	15	the	the	DET
aijes-7159	54	16	district	district	NOUN
aijes-7159	54	17	of	of	ADP
aijes-7159	54	18	tirana	tirana	PROPN
aijes-7159	54	19	,	,	PUNCT
aijes-7159	54	20	in	in	ADP
aijes-7159	54	21	the	the	DET
aijes-7159	54	22	district	district	NOUN
aijes-7159	54	23	of	of	ADP
aijes-7159	54	24	elbasai	elbasai	NOUN
aijes-7159	54	25	and	and	CCONJ
aijes-7159	54	26	in	in	ADP
aijes-7159	54	27	the	the	DET
aijes-7159	54	28	district	district	NOUN
aijes-7159	54	29	of	of	ADP
aijes-7159	54	30	durrës	durrës	PROPN
aijes-7159	54	31	.	.	PUNCT
aijes-7159	55	1	about	about	ADV
aijes-7159	55	2	88	88	NUM
aijes-7159	55	3	%	%	NOUN
aijes-7159	55	4	of	of	ADP
aijes-7159	55	5	the	the	DET
aijes-7159	55	6	people	people	NOUN
aijes-7159	55	7	who	who	PRON
aijes-7159	55	8	participated	participate	VERB
aijes-7159	55	9	in	in	ADP
aijes-7159	55	10	this	this	DET
aijes-7159	55	11	sampling	sampling	NOUN
aijes-7159	55	12	are	be	AUX
aijes-7159	55	13	individuals	individual	NOUN
aijes-7159	55	14	who	who	PRON
aijes-7159	55	15	work	work	VERB
aijes-7159	55	16	in	in	ADP
aijes-7159	55	17	private	private	ADJ
aijes-7159	55	18	economic	economic	ADJ
aijes-7159	55	19	entities	entity	NOUN
aijes-7159	55	20	,	,	PUNCT
aijes-7159	55	21	self	self	NOUN
aijes-7159	55	22	-	-	PUNCT
aijes-7159	55	23	employed	employ	VERB
aijes-7159	55	24	or	or	CCONJ
aijes-7159	55	25	students	student	NOUN
aijes-7159	55	26	.	.	PUNCT
aijes-7159	56	1	while	while	SCONJ
aijes-7159	56	2	only	only	ADV
aijes-7159	56	3	68	68	NUM
aijes-7159	56	4	people	people	NOUN
aijes-7159	56	5	or	or	CCONJ
aijes-7159	56	6	in	in	ADP
aijes-7159	56	7	other	other	ADJ
aijes-7159	56	8	words	word	NOUN
aijes-7159	56	9	12	12	NUM
aijes-7159	56	10	%	%	NOUN
aijes-7159	56	11	of	of	ADP
aijes-7159	56	12	the	the	DET
aijes-7159	56	13	total	total	ADJ
aijes-7159	56	14	sampling	sampling	NOUN
aijes-7159	56	15	are	be	AUX
aijes-7159	56	16	individuals	individual	NOUN
aijes-7159	56	17	who	who	PRON
aijes-7159	56	18	are	be	AUX
aijes-7159	56	19	employed	employ	VERB
aijes-7159	56	20	in	in	ADP
aijes-7159	56	21	public	public	ADJ
aijes-7159	56	22	institutions	institution	NOUN
aijes-7159	56	23	.	.	PUNCT
aijes-7159	57	1	sampling	sample	VERB
aijes-7159	57	2	technique	technique	NOUN
aijes-7159	57	3	.	.	PUNCT
aijes-7159	58	1	in	in	ADP
aijes-7159	58	2	this	this	DET
aijes-7159	58	3	paper	paper	NOUN
aijes-7159	58	4	,	,	PUNCT
aijes-7159	58	5	a	a	DET
aijes-7159	58	6	purposeful	purposeful	ADJ
aijes-7159	58	7	non	non	ADJ
aijes-7159	58	8	-	-	ADJ
aijes-7159	58	9	probability	probability	ADJ
aijes-7159	58	10	sampling	sampling	NOUN
aijes-7159	58	11	technique	technique	NOUN
aijes-7159	58	12	was	be	AUX
aijes-7159	58	13	used	use	VERB
aijes-7159	58	14	,	,	PUNCT
aijes-7159	58	15	in	in	ADP
aijes-7159	58	16	relation	relation	NOUN
aijes-7159	58	17	to	to	ADP
aijes-7159	58	18	the	the	DET
aijes-7159	58	19	persons	person	NOUN
aijes-7159	58	20	who	who	PRON
aijes-7159	58	21	were	be	AUX
aijes-7159	58	22	selected	select	VERB
aijes-7159	58	23	and	and	CCONJ
aijes-7159	58	24	who	who	PRON
aijes-7159	58	25	have	have	VERB
aijes-7159	58	26	knowledge	knowledge	NOUN
aijes-7159	58	27	of	of	ADP
aijes-7159	58	28	banking	banking	NOUN
aijes-7159	58	29	services	service	NOUN
aijes-7159	58	30	or	or	CCONJ
aijes-7159	58	31	fintech	fintech	NOUN
aijes-7159	58	32	products	product	NOUN
aijes-7159	58	33	.	.	PUNCT
aijes-7159	59	1	the	the	DET
aijes-7159	59	2	selection	selection	NOUN
aijes-7159	59	3	aimed	aim	VERB
aijes-7159	59	4	to	to	PART
aijes-7159	59	5	capture	capture	VERB
aijes-7159	59	6	a	a	DET
aijes-7159	59	7	broad	broad	ADJ
aijes-7159	59	8	demographic	demographic	ADJ
aijes-7159	59	9	range	range	NOUN
aijes-7159	59	10	to	to	PART
aijes-7159	59	11	provide	provide	VERB
aijes-7159	59	12	comprehensive	comprehensive	ADJ
aijes-7159	59	13	insights	insight	NOUN
aijes-7159	59	14	into	into	ADP
aijes-7159	59	15	consumer	consumer	NOUN
aijes-7159	59	16	behavior	behavior	NOUN
aijes-7159	59	17	and	and	CCONJ
aijes-7159	59	18	preferences	preference	NOUN
aijes-7159	59	19	.	.	PUNCT
aijes-7159	60	1	questionnaire	questionnaire	NOUN
aijes-7159	60	2	structure	structure	NOUN
aijes-7159	60	3	.	.	PUNCT
aijes-7159	61	1	the	the	DET
aijes-7159	61	2	survey	survey	NOUN
aijes-7159	61	3	instrument	instrument	NOUN
aijes-7159	61	4	used	use	VERB
aijes-7159	61	5	by	by	ADP
aijes-7159	61	6	the	the	DET
aijes-7159	61	7	authors	author	NOUN
aijes-7159	61	8	in	in	ADP
aijes-7159	61	9	this	this	DET
aijes-7159	61	10	paper	paper	NOUN
aijes-7159	61	11	is	be	AUX
aijes-7159	61	12	divided	divide	VERB
aijes-7159	61	13	into	into	ADP
aijes-7159	61	14	four	four	NUM
aijes-7159	61	15	main	main	ADJ
aijes-7159	61	16	sections	section	NOUN
aijes-7159	61	17	:	:	PUNCT
aijes-7159	61	18			DET
aijes-7159	61	19	socio	socio	NOUN
aijes-7159	61	20	-	-	PUNCT
aijes-7159	61	21	economic	economic	ADJ
aijes-7159	61	22	profile	profile	NOUN
aijes-7159	61	23	of	of	ADP
aijes-7159	61	24	respondents	respondent	NOUN
aijes-7159	61	25	.	.	PUNCT
aijes-7159	62	1			NOUN
aijes-7159	62	2	information	information	NOUN
aijes-7159	62	3	and	and	CCONJ
aijes-7159	62	4	usage	usage	NOUN
aijes-7159	62	5	patterns	pattern	NOUN
aijes-7159	62	6	related	relate	VERB
aijes-7159	62	7	to	to	ADP
aijes-7159	62	8	traditional	traditional	ADJ
aijes-7159	62	9	retail	retail	ADJ
aijes-7159	62	10	banking	banking	NOUN
aijes-7159	62	11	products	product	NOUN
aijes-7159	62	12	.	.	PUNCT
aijes-7159	63	1			NOUN
aijes-7159	63	2	interaction	interaction	NOUN
aijes-7159	63	3	with	with	ADP
aijes-7159	63	4	and	and	CCONJ
aijes-7159	63	5	use	use	NOUN
aijes-7159	63	6	of	of	ADP
aijes-7159	63	7	innovative	innovative	ADJ
aijes-7159	63	8	banking	banking	NOUN
aijes-7159	63	9	products	product	NOUN
aijes-7159	63	10	,	,	PUNCT
aijes-7159	63	11	including	include	VERB
aijes-7159	63	12	fintech	fintech	NOUN
aijes-7159	63	13	solutions	solution	NOUN
aijes-7159	63	14	.	.	PUNCT
aijes-7159	64	1			NOUN
aijes-7159	64	2	customer	customer	NOUN
aijes-7159	64	3	behavior	behavior	NOUN
aijes-7159	64	4	and	and	CCONJ
aijes-7159	64	5	purchase	purchase	NOUN
aijes-7159	64	6	patterns	pattern	NOUN
aijes-7159	64	7	related	relate	VERB
aijes-7159	64	8	to	to	ADP
aijes-7159	64	9	banking	banking	NOUN
aijes-7159	64	10	services	service	NOUN
aijes-7159	64	11	.	.	PUNCT
aijes-7159	65	1	the	the	DET
aijes-7159	65	2	first	first	ADJ
aijes-7159	65	3	part	part	NOUN
aijes-7159	65	4	of	of	ADP
aijes-7159	65	5	the	the	DET
aijes-7159	65	6	questionnaire	questionnaire	NOUN
aijes-7159	65	7	was	be	AUX
aijes-7159	65	8	adapted	adapt	VERB
aijes-7159	65	9	with	with	ADP
aijes-7159	65	10	questions	question	NOUN
aijes-7159	65	11	regarding	regard	VERB
aijes-7159	65	12	the	the	DET
aijes-7159	65	13	socioeconomic	socioeconomic	ADJ
aijes-7159	65	14	profile	profile	NOUN
aijes-7159	65	15	of	of	ADP
aijes-7159	65	16	the	the	DET
aijes-7159	65	17	respondents	respondent	NOUN
aijes-7159	65	18	.	.	PUNCT
aijes-7159	66	1	the	the	DET
aijes-7159	66	2	second	second	ADJ
aijes-7159	66	3	section	section	NOUN
aijes-7159	66	4	of	of	ADP
aijes-7159	66	5	this	this	DET
aijes-7159	66	6	questionnaire	questionnaire	NOUN
aijes-7159	66	7	,	,	PUNCT
aijes-7159	66	8	the	the	DET
aijes-7159	66	9	information	information	NOUN
aijes-7159	66	10	and	and	CCONJ
aijes-7159	66	11	use	use	NOUN
aijes-7159	66	12	of	of	ADP
aijes-7159	66	13	retail	retail	ADJ
aijes-7159	66	14	banking	banking	NOUN
aijes-7159	66	15	products	product	NOUN
aijes-7159	66	16	by	by	ADP
aijes-7159	66	17	the	the	DET
aijes-7159	66	18	interviewees	interviewee	NOUN
aijes-7159	66	19	of	of	ADP
aijes-7159	66	20	this	this	DET
aijes-7159	66	21	survey	survey	NOUN
aijes-7159	66	22	is	be	AUX
aijes-7159	66	23	included	include	VERB
aijes-7159	66	24	.	.	PUNCT
aijes-7159	67	1	the	the	DET
aijes-7159	67	2	third	third	ADJ
aijes-7159	67	3	section	section	NOUN
aijes-7159	67	4	of	of	ADP
aijes-7159	67	5	this	this	DET
aijes-7159	67	6	questionnaire	questionnaire	NOUN
aijes-7159	67	7	includes	include	VERB
aijes-7159	67	8	information	information	NOUN
aijes-7159	67	9	and	and	CCONJ
aijes-7159	67	10	the	the	DET
aijes-7159	67	11	use	use	NOUN
aijes-7159	67	12	of	of	ADP
aijes-7159	67	13	innovative	innovative	ADJ
aijes-7159	67	14	banking	banking	NOUN
aijes-7159	67	15	products	product	NOUN
aijes-7159	67	16	.	.	PUNCT
aijes-7159	68	1	the	the	DET
aijes-7159	68	2	fourth	fourth	ADJ
aijes-7159	68	3	section	section	NOUN
aijes-7159	68	4	of	of	ADP
aijes-7159	68	5	this	this	DET
aijes-7159	68	6	questionnaire	questionnaire	NOUN
aijes-7159	68	7	includes	include	VERB
aijes-7159	68	8	the	the	DET
aijes-7159	68	9	behavior	behavior	NOUN
aijes-7159	68	10	and	and	CCONJ
aijes-7159	68	11	purchases	purchase	NOUN
aijes-7159	68	12	of	of	ADP
aijes-7159	68	13	the	the	DET
aijes-7159	68	14	bank	bank	NOUN
aijes-7159	68	15	's	's	PART
aijes-7159	68	16	customers	customer	NOUN
aijes-7159	68	17	.	.	PUNCT
aijes-7159	69	1	the	the	DET
aijes-7159	69	2	answers	answer	NOUN
aijes-7159	69	3	obtained	obtain	VERB
aijes-7159	69	4	from	from	ADP
aijes-7159	69	5	the	the	DET
aijes-7159	69	6	data	datum	NOUN
aijes-7159	69	7	processing	processing	NOUN
aijes-7159	69	8	of	of	ADP
aijes-7159	69	9	the	the	DET
aijes-7159	69	10	questionnaire	questionnaire	NOUN
aijes-7159	69	11	were	be	AUX
aijes-7159	69	12	processed	process	VERB
aijes-7159	69	13	by	by	ADP
aijes-7159	69	14	the	the	DET
aijes-7159	69	15	authors	author	NOUN
aijes-7159	69	16	using	use	VERB
aijes-7159	69	17	the	the	DET
aijes-7159	69	18	microsoft	microsoft	PROPN
aijes-7159	69	19	excel	excel	PROPN
aijes-7159	69	20	computer	computer	NOUN
aijes-7159	69	21	software	software	NOUN
aijes-7159	69	22	.	.	PUNCT
aijes-7159	70	1	from	from	ADP
aijes-7159	70	2	the	the	DET
aijes-7159	70	3	total	total	NOUN
aijes-7159	70	4	of	of	ADP
aijes-7159	70	5	574	574	NUM
aijes-7159	70	6	completed	complete	VERB
aijes-7159	70	7	questionnaires	questionnaire	NOUN
aijes-7159	70	8	,	,	PUNCT
aijes-7159	70	9	looking	look	VERB
aijes-7159	70	10	at	at	ADP
aijes-7159	70	11	the	the	DET
aijes-7159	70	12	gender	gender	NOUN
aijes-7159	70	13	perspective	perspective	NOUN
aijes-7159	70	14	,	,	PUNCT
aijes-7159	70	15	it	it	PRON
aijes-7159	70	16	turns	turn	VERB
aijes-7159	70	17	out	out	ADP
aijes-7159	70	18	that	that	SCONJ
aijes-7159	70	19	330	330	NUM
aijes-7159	70	20	of	of	ADP
aijes-7159	70	21	the	the	DET
aijes-7159	70	22	respondents	respondent	NOUN
aijes-7159	70	23	are	be	AUX
aijes-7159	70	24	women	woman	NOUN
aijes-7159	70	25	,	,	PUNCT
aijes-7159	70	26	or	or	CCONJ
aijes-7159	70	27	to	to	PART
aijes-7159	70	28	say	say	VERB
aijes-7159	70	29	it	it	PRON
aijes-7159	70	30	differently	differently	ADV
aijes-7159	70	31	,	,	PUNCT
aijes-7159	70	32	57.49	57.49	NUM
aijes-7159	70	33	%	%	NOUN
aijes-7159	70	34	of	of	ADP
aijes-7159	70	35	the	the	DET
aijes-7159	70	36	total	total	NOUN
aijes-7159	70	37	are	be	AUX
aijes-7159	70	38	women	woman	NOUN
aijes-7159	70	39	.	.	PUNCT
aijes-7159	71	1	while	while	SCONJ
aijes-7159	71	2	244	244	NUM
aijes-7159	71	3	questionnaires	questionnaire	NOUN
aijes-7159	71	4	were	be	AUX
aijes-7159	71	5	completed	complete	VERB
aijes-7159	71	6	by	by	ADP
aijes-7159	71	7	men	man	NOUN
aijes-7159	71	8	,	,	PUNCT
aijes-7159	71	9	or	or	CCONJ
aijes-7159	71	10	in	in	ADP
aijes-7159	71	11	other	other	ADJ
aijes-7159	71	12	words	word	NOUN
aijes-7159	71	13	,	,	PUNCT
aijes-7159	71	14	42.51	42.51	NUM
aijes-7159	71	15	%	%	NOUN
aijes-7159	71	16	of	of	ADP
aijes-7159	71	17	the	the	DET
aijes-7159	71	18	total	total	ADJ
aijes-7159	71	19	number	number	NOUN
aijes-7159	71	20	of	of	ADP
aijes-7159	71	21	respondents	respondent	NOUN
aijes-7159	71	22	are	be	AUX
aijes-7159	71	23	male	male	ADJ
aijes-7159	71	24	.	.	PUNCT
aijes-7159	72	1	the	the	DET
aijes-7159	72	2	process	process	NOUN
aijes-7159	72	3	of	of	ADP
aijes-7159	72	4	processing	processing	NOUN
aijes-7159	72	5	and	and	CCONJ
aijes-7159	72	6	analyzing	analyze	VERB
aijes-7159	72	7	the	the	DET
aijes-7159	72	8	data	datum	NOUN
aijes-7159	72	9	of	of	ADP
aijes-7159	72	10	the	the	DET
aijes-7159	72	11	respondents	respondent	NOUN
aijes-7159	72	12	.	.	PUNCT
aijes-7159	73	1	all	all	DET
aijes-7159	73	2	the	the	DET
aijes-7159	73	3	data	datum	NOUN
aijes-7159	73	4	used	use	VERB
aijes-7159	73	5	in	in	ADP
aijes-7159	73	6	this	this	DET
aijes-7159	73	7	paper	paper	NOUN
aijes-7159	73	8	was	be	AUX
aijes-7159	73	9	processed	process	VERB
aijes-7159	73	10	and	and	CCONJ
aijes-7159	73	11	analyzed	analyze	VERB
aijes-7159	73	12	by	by	ADP
aijes-7159	73	13	the	the	DET
aijes-7159	73	14	authors	author	NOUN
aijes-7159	73	15	using	use	VERB
aijes-7159	73	16	the	the	DET
aijes-7159	73	17	microsoft	microsoft	PROPN
aijes-7159	73	18	excel	excel	PROPN
aijes-7159	73	19	software	software	NOUN
aijes-7159	73	20	program	program	NOUN
aijes-7159	73	21	.	.	PUNCT
aijes-7159	74	1	from	from	ADP
aijes-7159	74	2	the	the	DET
aijes-7159	74	3	point	point	NOUN
aijes-7159	74	4	of	of	ADP
aijes-7159	74	5	view	view	NOUN
aijes-7159	74	6	of	of	ADP
aijes-7159	74	7	gender	gender	NOUN
aijes-7159	74	8	distribution	distribution	NOUN
aijes-7159	74	9	,	,	PUNCT
aijes-7159	74	10	the	the	DET
aijes-7159	74	11	summarized	summarize	VERB
aijes-7159	74	12	results	result	NOUN
aijes-7159	74	13	show	show	VERB
aijes-7159	74	14	that	that	SCONJ
aijes-7159	74	15	330	330	NUM
aijes-7159	74	16	people	people	NOUN
aijes-7159	74	17	surveyed	survey	VERB
aijes-7159	74	18	technological	technological	ADJ
aijes-7159	74	19	finance	finance	NOUN
aijes-7159	74	20	(	(	PUNCT
aijes-7159	74	21	fintech	fintech	NOUN
aijes-7159	74	22	)	)	PUNCT
aijes-7159	74	23	and	and	CCONJ
aijes-7159	74	24	its	its	PRON
aijes-7159	74	25	performance	performance	NOUN
aijes-7159	74	26	in	in	ADP
aijes-7159	74	27	albania	albania	PROPN
aijes-7159	74	28	286	286	NUM
aijes-7159	74	29	or	or	CCONJ
aijes-7159	74	30	otherwise	otherwise	ADV
aijes-7159	74	31	57.49	57.49	NUM
aijes-7159	74	32	were	be	AUX
aijes-7159	74	33	female	female	ADJ
aijes-7159	74	34	.	.	PUNCT
aijes-7159	75	1	while	while	SCONJ
aijes-7159	75	2	the	the	DET
aijes-7159	75	3	other	other	ADJ
aijes-7159	75	4	244	244	NUM
aijes-7159	75	5	people	people	NOUN
aijes-7159	75	6	are	be	AUX
aijes-7159	75	7	male	male	ADJ
aijes-7159	75	8	or	or	CCONJ
aijes-7159	75	9	otherwise	otherwise	ADV
aijes-7159	75	10	the	the	DET
aijes-7159	75	11	latter	latter	ADJ
aijes-7159	75	12	constituted	constitute	VERB
aijes-7159	75	13	42.51	42.51	NUM
aijes-7159	75	14	of	of	ADP
aijes-7159	75	15	all	all	DET
aijes-7159	75	16	respondents	respondent	NOUN
aijes-7159	75	17	.	.	PUNCT
aijes-7159	76	1	also	also	ADV
aijes-7159	76	2	,	,	PUNCT
aijes-7159	76	3	in	in	ADP
aijes-7159	76	4	this	this	DET
aijes-7159	76	5	paper	paper	NOUN
aijes-7159	76	6	,	,	PUNCT
aijes-7159	76	7	other	other	ADJ
aijes-7159	76	8	secondary	secondary	ADJ
aijes-7159	76	9	data	datum	NOUN
aijes-7159	76	10	were	be	AUX
aijes-7159	76	11	used	use	VERB
aijes-7159	76	12	,	,	PUNCT
aijes-7159	76	13	which	which	PRON
aijes-7159	76	14	were	be	AUX
aijes-7159	76	15	provided	provide	VERB
aijes-7159	76	16	by	by	ADP
aijes-7159	76	17	the	the	DET
aijes-7159	76	18	base	base	NOUN
aijes-7159	76	19	data	datum	NOUN
aijes-7159	76	20	of	of	ADP
aijes-7159	76	21	the	the	DET
aijes-7159	76	22	central	central	ADJ
aijes-7159	76	23	bank	bank	NOUN
aijes-7159	76	24	of	of	ADP
aijes-7159	76	25	the	the	DET
aijes-7159	76	26	albanian	albanian	ADJ
aijes-7159	76	27	state	state	PROPN
aijes-7159	76	28	(	(	PUNCT
aijes-7159	76	29	bankofalbania	bankofalbania	NOUN
aijes-7159	76	30	,	,	PUNCT
aijes-7159	76	31	2025	2025	NUM
aijes-7159	76	32	)	)	PUNCT
aijes-7159	76	33	,	,	PUNCT
aijes-7159	76	34	from	from	ADP
aijes-7159	76	35	the	the	DET
aijes-7159	76	36	base	base	NOUN
aijes-7159	76	37	data	datum	NOUN
aijes-7159	76	38	of	of	ADP
aijes-7159	76	39	the	the	DET
aijes-7159	76	40	world	world	PROPN
aijes-7159	76	41	bank	bank	PROPN
aijes-7159	76	42	(	(	PUNCT
aijes-7159	76	43	worldbank	worldbank	ADJ
aijes-7159	76	44	,	,	PUNCT
aijes-7159	76	45	2025	2025	NUM
aijes-7159	76	46	)	)	PUNCT
aijes-7159	76	47	,	,	PUNCT
aijes-7159	76	48	from	from	ADP
aijes-7159	76	49	the	the	DET
aijes-7159	76	50	base	base	NOUN
aijes-7159	76	51	data	datum	NOUN
aijes-7159	76	52	of	of	ADP
aijes-7159	76	53	statista	statista	NOUN
aijes-7159	76	54	and	and	CCONJ
aijes-7159	76	55	the	the	DET
aijes-7159	76	56	international	international	ADJ
aijes-7159	76	57	monetary	monetary	ADJ
aijes-7159	76	58	fund	fund	NOUN
aijes-7159	76	59	(	(	PUNCT
aijes-7159	76	60	imf	imf	PROPN
aijes-7159	76	61	,	,	PUNCT
aijes-7159	76	62	2025	2025	NUM
aijes-7159	76	63	)	)	PUNCT
aijes-7159	76	64	.	.	PUNCT
aijes-7159	77	1	ethical	ethical	ADJ
aijes-7159	77	2	aspect	aspect	NOUN
aijes-7159	77	3	of	of	ADP
aijes-7159	77	4	the	the	DET
aijes-7159	77	5	paper	paper	NOUN
aijes-7159	77	6	.	.	PUNCT
aijes-7159	78	1	all	all	DET
aijes-7159	78	2	the	the	DET
aijes-7159	78	3	individuals	individual	NOUN
aijes-7159	78	4	who	who	PRON
aijes-7159	78	5	participated	participate	VERB
aijes-7159	78	6	in	in	ADP
aijes-7159	78	7	this	this	DET
aijes-7159	78	8	survey	survey	NOUN
aijes-7159	78	9	,	,	PUNCT
aijes-7159	78	10	have	have	AUX
aijes-7159	78	11	completed	complete	VERB
aijes-7159	78	12	the	the	DET
aijes-7159	78	13	questionnaire	questionnaire	NOUN
aijes-7159	78	14	with	with	ADP
aijes-7159	78	15	their	their	PRON
aijes-7159	78	16	full	full	ADJ
aijes-7159	78	17	will	will	NOUN
aijes-7159	78	18	and	and	CCONJ
aijes-7159	78	19	without	without	ADP
aijes-7159	78	20	being	be	AUX
aijes-7159	78	21	influenced	influence	VERB
aijes-7159	78	22	,	,	PUNCT
aijes-7159	78	23	also	also	ADV
aijes-7159	78	24	all	all	DET
aijes-7159	78	25	persons	person	NOUN
aijes-7159	78	26	were	be	AUX
aijes-7159	78	27	informed	inform	VERB
aijes-7159	78	28	about	about	ADP
aijes-7159	78	29	the	the	DET
aijes-7159	78	30	purpose	purpose	NOUN
aijes-7159	78	31	of	of	ADP
aijes-7159	78	32	this	this	DET
aijes-7159	78	33	paper	paper	NOUN
aijes-7159	78	34	.	.	PUNCT
aijes-7159	79	1	confidentiality	confidentiality	NOUN
aijes-7159	79	2	was	be	AUX
aijes-7159	79	3	maintained	maintain	VERB
aijes-7159	79	4	during	during	ADP
aijes-7159	79	5	the	the	DET
aijes-7159	79	6	entire	entire	ADJ
aijes-7159	79	7	process	process	NOUN
aijes-7159	79	8	of	of	ADP
aijes-7159	79	9	collection	collection	NOUN
aijes-7159	79	10	,	,	PUNCT
aijes-7159	79	11	processing	processing	NOUN
aijes-7159	79	12	and	and	CCONJ
aijes-7159	79	13	analysis	analysis	NOUN
aijes-7159	79	14	of	of	ADP
aijes-7159	79	15	the	the	DET
aijes-7159	79	16	data	datum	NOUN
aijes-7159	79	17	collected	collect	VERB
aijes-7159	79	18	by	by	ADP
aijes-7159	79	19	the	the	DET
aijes-7159	79	20	authors	author	NOUN
aijes-7159	79	21	.	.	PUNCT
aijes-7159	80	1	4	4	X
aijes-7159	80	2	.	.	NOUN
aijes-7159	80	3	results	result	VERB
aijes-7159	80	4	4.1	4.1	NUM
aijes-7159	80	5	fintech	fintech	NOUN
aijes-7159	80	6	users	user	NOUN
aijes-7159	80	7	in	in	ADP
aijes-7159	80	8	usa	usa	PROPN
aijes-7159	80	9	and	and	CCONJ
aijes-7159	80	10	europe	europe	PROPN
aijes-7159	80	11	.	.	PUNCT
aijes-7159	81	1	especially	especially	ADV
aijes-7159	81	2	during	during	ADP
aijes-7159	81	3	the	the	DET
aijes-7159	81	4	last	last	ADJ
aijes-7159	81	5	decade	decade	NOUN
aijes-7159	81	6	,	,	PUNCT
aijes-7159	81	7	the	the	DET
aijes-7159	81	8	financial	financial	ADJ
aijes-7159	81	9	sector	sector	NOUN
aijes-7159	81	10	in	in	ADP
aijes-7159	81	11	which	which	PRON
aijes-7159	81	12	technological	technological	ADJ
aijes-7159	81	13	finance	finance	NOUN
aijes-7159	81	14	is	be	AUX
aijes-7159	81	15	a	a	DET
aijes-7159	81	16	part	part	NOUN
aijes-7159	81	17	has	have	AUX
aijes-7159	81	18	experienced	experience	VERB
aijes-7159	81	19	a	a	DET
aijes-7159	81	20	significant	significant	ADJ
aijes-7159	81	21	growth	growth	NOUN
aijes-7159	81	22	in	in	ADP
aijes-7159	81	23	different	different	ADJ
aijes-7159	81	24	countries	country	NOUN
aijes-7159	81	25	such	such	ADJ
aijes-7159	81	26	as	as	ADP
aijes-7159	81	27	,	,	PUNCT
aijes-7159	81	28	the	the	DET
aijes-7159	81	29	united	united	PROPN
aijes-7159	81	30	states	states	PROPN
aijes-7159	81	31	of	of	ADP
aijes-7159	81	32	america	america	PROPN
aijes-7159	81	33	(	(	PUNCT
aijes-7159	81	34	usa	usa	PROPN
aijes-7159	81	35	)	)	PUNCT
aijes-7159	81	36	,	,	PUNCT
aijes-7159	81	37	various	various	ADJ
aijes-7159	81	38	countries	country	NOUN
aijes-7159	81	39	that	that	PRON
aijes-7159	81	40	are	be	AUX
aijes-7159	81	41	part	part	NOUN
aijes-7159	81	42	of	of	ADP
aijes-7159	81	43	the	the	DET
aijes-7159	81	44	european	european	PROPN
aijes-7159	81	45	union	union	PROPN
aijes-7159	81	46	(	(	PUNCT
aijes-7159	81	47	eu	eu	PROPN
aijes-7159	81	48	)	)	PUNCT
aijes-7159	81	49	and	and	CCONJ
aijes-7159	81	50	the	the	DET
aijes-7159	81	51	republic	republic	NOUN
aijes-7159	81	52	of	of	ADP
aijes-7159	81	53	canada	canada	PROPN
aijes-7159	81	54	.	.	PUNCT
aijes-7159	82	1	the	the	DET
aijes-7159	82	2	industry	industry	NOUN
aijes-7159	82	3	in	in	ADP
aijes-7159	82	4	which	which	PRON
aijes-7159	82	5	technological	technological	ADJ
aijes-7159	82	6	finance	finance	NOUN
aijes-7159	82	7	is	be	AUX
aijes-7159	82	8	part	part	NOUN
aijes-7159	82	9	of	of	ADP
aijes-7159	82	10	during	during	ADP
aijes-7159	82	11	the	the	DET
aijes-7159	82	12	year	year	NOUN
aijes-7159	82	13	2024	2024	NUM
aijes-7159	82	14	has	have	AUX
aijes-7159	82	15	managed	manage	VERB
aijes-7159	82	16	to	to	PART
aijes-7159	82	17	generate	generate	VERB
aijes-7159	82	18	a	a	DET
aijes-7159	82	19	value	value	NOUN
aijes-7159	82	20	that	that	PRON
aijes-7159	82	21	is	be	AUX
aijes-7159	82	22	in	in	ADP
aijes-7159	82	23	the	the	DET
aijes-7159	82	24	limit	limit	NOUN
aijes-7159	82	25	of	of	ADP
aijes-7159	82	26	226.76	226.76	NUM
aijes-7159	82	27	billion	billion	NUM
aijes-7159	82	28	dollars	dollar	NOUN
aijes-7159	82	29	.	.	PUNCT
aijes-7159	83	1	based	base	VERB
aijes-7159	83	2	on	on	ADP
aijes-7159	83	3	projections	projection	NOUN
aijes-7159	83	4	calculated	calculate	VERB
aijes-7159	83	5	by	by	ADP
aijes-7159	83	6	different	different	ADJ
aijes-7159	83	7	researchers	researcher	NOUN
aijes-7159	83	8	,	,	PUNCT
aijes-7159	83	9	it	it	PRON
aijes-7159	83	10	is	be	AUX
aijes-7159	83	11	claimed	claim	VERB
aijes-7159	83	12	that	that	SCONJ
aijes-7159	83	13	technological	technological	ADJ
aijes-7159	83	14	finance	finance	NOUN
aijes-7159	83	15	will	will	AUX
aijes-7159	83	16	reach	reach	VERB
aijes-7159	83	17	the	the	DET
aijes-7159	83	18	value	value	NOUN
aijes-7159	83	19	of	of	ADP
aijes-7159	83	20	917.17	917.17	NUM
aijes-7159	83	21	billion	billion	NUM
aijes-7159	83	22	dollars	dollar	NOUN
aijes-7159	83	23	by	by	ADP
aijes-7159	83	24	the	the	DET
aijes-7159	83	25	end	end	NOUN
aijes-7159	83	26	of	of	ADP
aijes-7159	83	27	2032	2032	NUM
aijes-7159	83	28	,	,	PUNCT
aijes-7159	83	29	growing	grow	VERB
aijes-7159	83	30	by	by	ADP
aijes-7159	83	31	a	a	DET
aijes-7159	83	32	value	value	NOUN
aijes-7159	83	33	of	of	ADP
aijes-7159	83	34	16.8	16.8	NUM
aijes-7159	83	35	%	%	NOUN
aijes-7159	83	36	.	.	PUNCT
aijes-7159	84	1	(	(	PUNCT
aijes-7159	84	2	marketdataforecast	marketdataforecast	ADJ
aijes-7159	84	3	,	,	PUNCT
aijes-7159	84	4	2024	2024	NUM
aijes-7159	84	5	)	)	PUNCT
aijes-7159	84	6	.	.	PUNCT
aijes-7159	85	1	based	base	VERB
aijes-7159	85	2	on	on	ADP
aijes-7159	85	3	data	datum	NOUN
aijes-7159	85	4	published	publish	VERB
aijes-7159	85	5	by	by	ADP
aijes-7159	85	6	statista	statista	NOUN
aijes-7159	85	7	,	,	PUNCT
aijes-7159	85	8	it	it	PRON
aijes-7159	85	9	is	be	AUX
aijes-7159	85	10	said	say	VERB
aijes-7159	85	11	that	that	SCONJ
aijes-7159	85	12	,	,	PUNCT
aijes-7159	85	13	the	the	DET
aijes-7159	85	14	number	number	NOUN
aijes-7159	85	15	of	of	ADP
aijes-7159	85	16	economic	economic	ADJ
aijes-7159	85	17	entities	entity	NOUN
aijes-7159	85	18	of	of	ADP
aijes-7159	85	19	the	the	DET
aijes-7159	85	20	fintech	fintech	NOUN
aijes-7159	85	21	spectrum	spectrum	NOUN
aijes-7159	85	22	in	in	ADP
aijes-7159	85	23	the	the	DET
aijes-7159	85	24	european	european	PROPN
aijes-7159	85	25	continent	continent	PROPN
aijes-7159	85	26	reached	reach	VERB
aijes-7159	85	27	9200	9200	NUM
aijes-7159	85	28	units	unit	NOUN
aijes-7159	85	29	during	during	ADP
aijes-7159	85	30	the	the	DET
aijes-7159	85	31	year	year	NOUN
aijes-7159	85	32	2024	2024	NUM
aijes-7159	85	33	(	(	PUNCT
aijes-7159	85	34	statistaresearchdepartment	statistaresearchdepartment	NOUN
aijes-7159	85	35	,	,	PUNCT
aijes-7159	85	36	2025	2025	NUM
aijes-7159	85	37	)	)	PUNCT
aijes-7159	85	38	.	.	PUNCT
aijes-7159	86	1	at	at	ADP
aijes-7159	86	2	the	the	DET
aijes-7159	86	3	same	same	ADJ
aijes-7159	86	4	time	time	NOUN
aijes-7159	86	5	,	,	PUNCT
aijes-7159	86	6	it	it	PRON
aijes-7159	86	7	is	be	AUX
aijes-7159	86	8	noted	note	VERB
aijes-7159	86	9	that	that	SCONJ
aijes-7159	86	10	fintech	fintech	NOUN
aijes-7159	86	11	users	user	NOUN
aijes-7159	86	12	are	be	AUX
aijes-7159	86	13	increasingly	increasingly	ADV
aijes-7159	86	14	adapting	adapt	VERB
aijes-7159	86	15	to	to	ADP
aijes-7159	86	16	this	this	DET
aijes-7159	86	17	technological	technological	ADJ
aijes-7159	86	18	innovation	innovation	NOUN
aijes-7159	86	19	,	,	PUNCT
aijes-7159	86	20	especially	especially	ADV
aijes-7159	86	21	the	the	DET
aijes-7159	86	22	sector	sector	NOUN
aijes-7159	86	23	related	relate	VERB
aijes-7159	86	24	to	to	ADP
aijes-7159	86	25	digital	digital	ADJ
aijes-7159	86	26	payments	payment	NOUN
aijes-7159	86	27	,	,	PUNCT
aijes-7159	86	28	where	where	SCONJ
aijes-7159	86	29	the	the	DET
aijes-7159	86	30	european	european	PROPN
aijes-7159	86	31	user	user	NOUN
aijes-7159	86	32	base	base	NOUN
aijes-7159	86	33	of	of	ADP
aijes-7159	86	34	this	this	DET
aijes-7159	86	35	applied	apply	VERB
aijes-7159	86	36	technology	technology	NOUN
aijes-7159	86	37	is	be	AUX
aijes-7159	86	38	expected	expect	VERB
aijes-7159	86	39	to	to	PART
aijes-7159	86	40	reach	reach	VERB
aijes-7159	86	41	the	the	DET
aijes-7159	86	42	expected	expect	VERB
aijes-7159	86	43	level	level	NOUN
aijes-7159	86	44	of	of	ADP
aijes-7159	86	45	368	368	NUM
aijes-7159	86	46	million	million	NUM
aijes-7159	86	47	users	user	NOUN
aijes-7159	86	48	by	by	ADP
aijes-7159	86	49	the	the	DET
aijes-7159	86	50	end	end	NOUN
aijes-7159	86	51	of	of	ADP
aijes-7159	86	52	this	this	DET
aijes-7159	86	53	year	year	NOUN
aijes-7159	86	54	.	.	PUNCT
aijes-7159	87	1	based	base	VERB
aijes-7159	87	2	on	on	ADP
aijes-7159	87	3	the	the	DET
aijes-7159	87	4	data	datum	NOUN
aijes-7159	87	5	obtained	obtain	VERB
aijes-7159	87	6	from	from	ADP
aijes-7159	87	7	statista	statista	NOUN
aijes-7159	87	8	in	in	ADP
aijes-7159	87	9	february	february	PROPN
aijes-7159	87	10	2025	2025	NUM
aijes-7159	87	11	,	,	PUNCT
aijes-7159	87	12	it	it	PRON
aijes-7159	87	13	turns	turn	VERB
aijes-7159	87	14	out	out	ADP
aijes-7159	87	15	that	that	SCONJ
aijes-7159	87	16	:	:	PUNCT
aijes-7159	87	17	the	the	DET
aijes-7159	87	18	united	united	ADJ
aijes-7159	87	19	kingdom	kingdom	PROPN
aijes-7159	87	20	is	be	AUX
aijes-7159	87	21	the	the	DET
aijes-7159	87	22	country	country	NOUN
aijes-7159	87	23	with	with	ADP
aijes-7159	87	24	the	the	DET
aijes-7159	87	25	highest	high	ADJ
aijes-7159	87	26	number	number	NOUN
aijes-7159	87	27	of	of	ADP
aijes-7159	87	28	fin	fin	NOUN
aijes-7159	87	29	tech	tech	NOUN
aijes-7159	87	30	companies	company	NOUN
aijes-7159	87	31	operating	operate	VERB
aijes-7159	87	32	in	in	ADP
aijes-7159	87	33	europe	europe	PROPN
aijes-7159	87	34	.	.	PUNCT
aijes-7159	88	1	in	in	ADP
aijes-7159	88	2	the	the	DET
aijes-7159	88	3	uk	uk	PROPN
aijes-7159	88	4	,	,	PUNCT
aijes-7159	88	5	it	it	PRON
aijes-7159	88	6	turns	turn	VERB
aijes-7159	88	7	out	out	ADP
aijes-7159	88	8	that	that	SCONJ
aijes-7159	88	9	they	they	PRON
aijes-7159	88	10	extend	extend	VERB
aijes-7159	88	11	their	their	PRON
aijes-7159	88	12	activity	activity	NOUN
aijes-7159	88	13	with	with	ADP
aijes-7159	88	14	a	a	DET
aijes-7159	88	15	total	total	NOUN
aijes-7159	88	16	of	of	ADP
aijes-7159	88	17	3,300	3,300	NUM
aijes-7159	88	18	companies	company	NOUN
aijes-7159	88	19	in	in	ADP
aijes-7159	88	20	the	the	DET
aijes-7159	88	21	financial	financial	ADJ
aijes-7159	88	22	technology	technology	NOUN
aijes-7159	88	23	spectrum	spectrum	NOUN
aijes-7159	88	24	.	.	PUNCT
aijes-7159	89	1	the	the	DET
aijes-7159	89	2	country	country	NOUN
aijes-7159	89	3	with	with	ADP
aijes-7159	89	4	the	the	DET
aijes-7159	89	5	second	second	ADJ
aijes-7159	89	6	highest	high	ADJ
aijes-7159	89	7	number	number	NOUN
aijes-7159	89	8	of	of	ADP
aijes-7159	89	9	companies	company	NOUN
aijes-7159	89	10	that	that	PRON
aijes-7159	89	11	are	be	AUX
aijes-7159	89	12	part	part	NOUN
aijes-7159	89	13	of	of	ADP
aijes-7159	89	14	the	the	DET
aijes-7159	89	15	fin	fin	NOUN
aijes-7159	89	16	tech	tech	NOUN
aijes-7159	89	17	sector	sector	NOUN
aijes-7159	89	18	is	be	AUX
aijes-7159	89	19	germany	germany	PROPN
aijes-7159	89	20	.	.	PUNCT
aijes-7159	90	1	while	while	SCONJ
aijes-7159	90	2	the	the	DET
aijes-7159	90	3	french	french	ADJ
aijes-7159	90	4	state	state	NOUN
aijes-7159	90	5	is	be	AUX
aijes-7159	90	6	in	in	ADP
aijes-7159	90	7	third	third	ADJ
aijes-7159	90	8	place	place	NOUN
aijes-7159	90	9	with	with	ADP
aijes-7159	90	10	a	a	DET
aijes-7159	90	11	number	number	NOUN
aijes-7159	90	12	of	of	ADP
aijes-7159	90	13	522	522	NUM
aijes-7159	90	14	economic	economic	ADJ
aijes-7159	90	15	entities	entity	NOUN
aijes-7159	90	16	that	that	PRON
aijes-7159	90	17	are	be	AUX
aijes-7159	90	18	part	part	NOUN
aijes-7159	90	19	of	of	ADP
aijes-7159	90	20	fintech	fintech	NOUN
aijes-7159	90	21	.	.	PUNCT
aijes-7159	91	1	in	in	ADP
aijes-7159	91	2	fourth	fourth	ADJ
aijes-7159	91	3	place	place	NOUN
aijes-7159	91	4	is	be	AUX
aijes-7159	91	5	the	the	DET
aijes-7159	91	6	state	state	NOUN
aijes-7159	91	7	of	of	ADP
aijes-7159	91	8	switzerland	switzerland	PROPN
aijes-7159	91	9	in	in	ADP
aijes-7159	91	10	which	which	PRON
aijes-7159	91	11	497	497	NUM
aijes-7159	91	12	fin	fin	NOUN
aijes-7159	91	13	tech	tech	NOUN
aijes-7159	91	14	companies	company	NOUN
aijes-7159	91	15	operate	operate	VERB
aijes-7159	91	16	.	.	PUNCT
aijes-7159	92	1	while	while	SCONJ
aijes-7159	92	2	in	in	ADP
aijes-7159	92	3	the	the	DET
aijes-7159	92	4	state	state	NOUN
aijes-7159	92	5	of	of	ADP
aijes-7159	92	6	spain	spain	PROPN
aijes-7159	92	7	,	,	PUNCT
aijes-7159	92	8	463	463	NUM
aijes-7159	92	9	companies	company	NOUN
aijes-7159	92	10	in	in	ADP
aijes-7159	92	11	the	the	DET
aijes-7159	92	12	financial	financial	ADJ
aijes-7159	92	13	technology	technology	NOUN
aijes-7159	92	14	spectrum	spectrum	NOUN
aijes-7159	92	15	operate	operate	VERB
aijes-7159	92	16	during	during	ADP
aijes-7159	92	17	the	the	DET
aijes-7159	92	18	month	month	NOUN
aijes-7159	92	19	of	of	ADP
aijes-7159	92	20	february	february	PROPN
aijes-7159	92	21	2025	2025	NUM
aijes-7159	92	22	(	(	PUNCT
aijes-7159	92	23	statista	statista	NOUN
aijes-7159	92	24	,	,	PUNCT
aijes-7159	92	25	2025	2025	NUM
aijes-7159	92	26	)	)	PUNCT
aijes-7159	92	27	.	.	PUNCT
aijes-7159	93	1	4.2	4.2	NUM
aijes-7159	93	2	fintech	fintech	NOUN
aijes-7159	93	3	in	in	ADP
aijes-7159	93	4	albania	albania	PROPN
aijes-7159	93	5	.	.	PUNCT
aijes-7159	94	1	a	a	DET
aijes-7159	94	2	new	new	ADJ
aijes-7159	94	3	law	law	NOUN
aijes-7159	94	4	on	on	ADP
aijes-7159	94	5	payment	payment	NOUN
aijes-7159	94	6	services	service	NOUN
aijes-7159	94	7	has	have	AUX
aijes-7159	94	8	entered	enter	VERB
aijes-7159	94	9	into	into	ADP
aijes-7159	94	10	force	force	NOUN
aijes-7159	94	11	in	in	ADP
aijes-7159	94	12	albania	albania	PROPN
aijes-7159	94	13	.	.	PUNCT
aijes-7159	95	1	the	the	DET
aijes-7159	95	2	law	law	NOUN
aijes-7159	95	3	is	be	AUX
aijes-7159	95	4	based	base	VERB
aijes-7159	95	5	on	on	ADP
aijes-7159	95	6	the	the	DET
aijes-7159	95	7	second	second	ADJ
aijes-7159	95	8	european	european	ADJ
aijes-7159	95	9	payments	payment	NOUN
aijes-7159	95	10	directive	directive	NOUN
aijes-7159	95	11	(	(	PUNCT
aijes-7159	95	12	psd	psd	NOUN
aijes-7159	95	13	2	2	NUM
aijes-7159	95	14	)	)	PUNCT
aijes-7159	95	15	.	.	PUNCT
aijes-7159	96	1	this	this	DET
aijes-7159	96	2	law	law	NOUN
aijes-7159	96	3	,	,	PUNCT
aijes-7159	96	4	applied	apply	VERB
aijes-7159	96	5	in	in	ADP
aijes-7159	96	6	the	the	DET
aijes-7159	96	7	european	european	PROPN
aijes-7159	96	8	union	union	PROPN
aijes-7159	96	9	countries	country	NOUN
aijes-7159	96	10	,	,	PUNCT
aijes-7159	96	11	brought	bring	VERB
aijes-7159	96	12	fundamental	fundamental	ADJ
aijes-7159	96	13	changes	change	NOUN
aijes-7159	96	14	,	,	PUNCT
aijes-7159	96	15	especially	especially	ADV
aijes-7159	96	16	in	in	ADP
aijes-7159	96	17	the	the	DET
aijes-7159	96	18	payment	payment	NOUN
aijes-7159	96	19	markets	market	NOUN
aijes-7159	96	20	,	,	PUNCT
aijes-7159	96	21	where	where	SCONJ
aijes-7159	96	22	open	open	ADJ
aijes-7159	96	23	banking	banking	NOUN
aijes-7159	96	24	is	be	AUX
aijes-7159	96	25	at	at	ADP
aijes-7159	96	26	the	the	DET
aijes-7159	96	27	core	core	NOUN
aijes-7159	96	28	of	of	ADP
aijes-7159	96	29	the	the	DET
aijes-7159	96	30	psd	psd	ADJ
aijes-7159	96	31	2	2	NUM
aijes-7159	96	32	directive	directive	NOUN
aijes-7159	96	33	.	.	PUNCT
aijes-7159	97	1	psd	psd	NOUN
aijes-7159	97	2	2	2	NUM
aijes-7159	97	3	directive	directive	NOUN
aijes-7159	97	4	is	be	AUX
aijes-7159	97	5	that	that	PRON
aijes-7159	97	6	of	of	ADP
aijes-7159	97	7	open	open	ADJ
aijes-7159	97	8	banking	banking	NOUN
aijes-7159	97	9	.	.	PUNCT
aijes-7159	98	1	the	the	DET
aijes-7159	98	2	importance	importance	NOUN
aijes-7159	98	3	of	of	ADP
aijes-7159	98	4	this	this	DET
aijes-7159	98	5	law	law	NOUN
aijes-7159	98	6	is	be	AUX
aijes-7159	98	7	not	not	PART
aijes-7159	98	8	yet	yet	ADV
aijes-7159	98	9	very	very	ADV
aijes-7159	98	10	tangible	tangible	ADJ
aijes-7159	98	11	,	,	PUNCT
aijes-7159	98	12	mainly	mainly	ADV
aijes-7159	98	13	due	due	ADP
aijes-7159	98	14	to	to	ADP
aijes-7159	98	15	the	the	DET
aijes-7159	98	16	lack	lack	NOUN
aijes-7159	98	17	of	of	ADP
aijes-7159	98	18	a	a	DET
aijes-7159	98	19	developed	develop	VERB
aijes-7159	98	20	sector	sector	NOUN
aijes-7159	98	21	of	of	ADP
aijes-7159	98	22	financial	financial	ADJ
aijes-7159	98	23	institutions	institution	NOUN
aijes-7159	98	24	.	.	PUNCT
aijes-7159	99	1	in	in	ADP
aijes-7159	99	2	terms	term	NOUN
aijes-7159	99	3	of	of	ADP
aijes-7159	99	4	online	online	ADJ
aijes-7159	99	5	bill	bill	NOUN
aijes-7159	99	6	payments	payment	NOUN
aijes-7159	99	7	,	,	PUNCT
aijes-7159	99	8	online	online	ADJ
aijes-7159	99	9	purchases	purchase	NOUN
aijes-7159	99	10	and	and	CCONJ
aijes-7159	99	11	account	account	NOUN
aijes-7159	99	12	access	access	NOUN
aijes-7159	99	13	via	via	ADP
aijes-7159	99	14	e	e	NOUN
aijes-7159	99	15	-	-	NOUN
aijes-7159	99	16	banking	banking	NOUN
aijes-7159	99	17	,	,	PUNCT
aijes-7159	99	18	albania	albania	PROPN
aijes-7159	99	19	ranks	rank	VERB
aijes-7159	99	20	last	last	ADJ
aijes-7159	99	21	in	in	ADP
aijes-7159	99	22	the	the	DET
aijes-7159	99	23	region	region	NOUN
aijes-7159	99	24	.	.	PUNCT
aijes-7159	100	1	in	in	ADP
aijes-7159	100	2	the	the	DET
aijes-7159	100	3	study	study	NOUN
aijes-7159	100	4	conducted	conduct	VERB
aijes-7159	100	5	and	and	CCONJ
aijes-7159	100	6	published	publish	VERB
aijes-7159	100	7	during	during	ADP
aijes-7159	100	8	2020	2020	NUM
aijes-7159	100	9	,	,	PUNCT
aijes-7159	100	10	which	which	PRON
aijes-7159	100	11	was	be	AUX
aijes-7159	100	12	carried	carry	VERB
aijes-7159	100	13	out	out	ADP
aijes-7159	100	14	by	by	ADP
aijes-7159	100	15	the	the	DET
aijes-7159	100	16	world	world	PROPN
aijes-7159	100	17	bank	bank	PROPN
aijes-7159	100	18	in	in	ADP
aijes-7159	100	19	collaboration	collaboration	NOUN
aijes-7159	100	20	with	with	ADP
aijes-7159	100	21	the	the	DET
aijes-7159	100	22	university	university	PROPN
aijes-7159	100	23	of	of	ADP
aijes-7159	100	24	cambridge	cambridge	PROPN
aijes-7159	100	25	,	,	PUNCT
aijes-7159	100	26	it	it	PRON
aijes-7159	100	27	is	be	AUX
aijes-7159	100	28	shown	show	VERB
aijes-7159	100	29	that	that	SCONJ
aijes-7159	100	30	only	only	ADV
aijes-7159	100	31	28.8	28.8	NUM
aijes-7159	100	32	%	%	NOUN
aijes-7159	100	33	of	of	ADP
aijes-7159	100	34	the	the	DET
aijes-7159	100	35	total	total	ADJ
aijes-7159	100	36	albanians	albanians	PROPN
aijes-7159	100	37	have	have	AUX
aijes-7159	100	38	made	make	VERB
aijes-7159	100	39	transactions	transaction	NOUN
aijes-7159	100	40	using	use	VERB
aijes-7159	100	41	bank	bank	NOUN
aijes-7159	100	42	cards	card	NOUN
aijes-7159	100	43	in	in	ADP
aijes-7159	100	44	fabian	fabian	PROPN
aijes-7159	100	45	pjetri	pjetri	PROPN
aijes-7159	100	46	,	,	PUNCT
aijes-7159	100	47	leonard	leonard	PROPN
aijes-7159	100	48	boduri	boduri	PROPN
aijes-7159	100	49	,	,	PUNCT
aijes-7159	100	50	rezart	rezart	PROPN
aijes-7159	100	51	dibra	dibra	PROPN
aijes-7159	100	52	,	,	PUNCT
aijes-7159	100	53	ilirjan	ilirjan	PROPN
aijes-7159	100	54	cukaj	cukaj	NOUN
aijes-7159	100	55	287	287	NUM
aijes-7159	100	56	the	the	DET
aijes-7159	100	57	time	time	NOUN
aijes-7159	100	58	interval	interval	NOUN
aijes-7159	100	59	of	of	ADP
aijes-7159	100	60	one	one	NUM
aijes-7159	100	61	year	year	NOUN
aijes-7159	100	62	.	.	PUNCT
aijes-7159	101	1	for	for	ADP
aijes-7159	101	2	other	other	ADJ
aijes-7159	101	3	countries	country	NOUN
aijes-7159	101	4	,	,	PUNCT
aijes-7159	101	5	this	this	DET
aijes-7159	101	6	indicator	indicator	NOUN
aijes-7159	101	7	starts	start	VERB
aijes-7159	101	8	from	from	ADP
aijes-7159	101	9	around	around	ADP
aijes-7159	101	10	39	39	NUM
aijes-7159	101	11	%	%	NOUN
aijes-7159	101	12	for	for	ADP
aijes-7159	101	13	kosovo	kosovo	PROPN
aijes-7159	101	14	,	,	PUNCT
aijes-7159	101	15	up	up	ADP
aijes-7159	101	16	to	to	ADP
aijes-7159	101	17	over	over	ADP
aijes-7159	101	18	66	66	NUM
aijes-7159	101	19	%	%	NOUN
aijes-7159	101	20	for	for	ADP
aijes-7159	101	21	serbia	serbia	PROPN
aijes-7159	101	22	.	.	PUNCT
aijes-7159	102	1	in	in	ADP
aijes-7159	102	2	the	the	DET
aijes-7159	102	3	eurozone	eurozone	NOUN
aijes-7159	102	4	,	,	PUNCT
aijes-7159	102	5	an	an	DET
aijes-7159	102	6	average	average	NOUN
aijes-7159	102	7	of	of	ADP
aijes-7159	102	8	92.5	92.5	NUM
aijes-7159	102	9	%	%	NOUN
aijes-7159	102	10	of	of	ADP
aijes-7159	102	11	households	household	NOUN
aijes-7159	102	12	have	have	AUX
aijes-7159	102	13	used	use	VERB
aijes-7159	102	14	digital	digital	ADJ
aijes-7159	102	15	payments	payment	NOUN
aijes-7159	102	16	at	at	ADP
aijes-7159	102	17	least	least	ADJ
aijes-7159	102	18	once	once	ADV
aijes-7159	102	19	in	in	ADP
aijes-7159	102	20	the	the	DET
aijes-7159	102	21	last	last	ADJ
aijes-7159	102	22	12	12	NUM
aijes-7159	102	23	months	month	NOUN
aijes-7159	102	24	before	before	ADP
aijes-7159	102	25	the	the	DET
aijes-7159	102	26	survey	survey	NOUN
aijes-7159	102	27	.	.	PUNCT
aijes-7159	103	1	the	the	DET
aijes-7159	103	2	published	publish	VERB
aijes-7159	103	3	study	study	NOUN
aijes-7159	103	4	shows	show	VERB
aijes-7159	103	5	that	that	SCONJ
aijes-7159	103	6	,	,	PUNCT
aijes-7159	103	7	7.7	7.7	NUM
aijes-7159	103	8	%	%	NOUN
aijes-7159	103	9	of	of	ADP
aijes-7159	103	10	all	all	DET
aijes-7159	103	11	albanians	albanians	PROPN
aijes-7159	103	12	have	have	AUX
aijes-7159	103	13	used	use	VERB
aijes-7159	103	14	bank	bank	NOUN
aijes-7159	103	15	cards	card	NOUN
aijes-7159	103	16	to	to	PART
aijes-7159	103	17	make	make	VERB
aijes-7159	103	18	various	various	ADJ
aijes-7159	103	19	payments	payment	NOUN
aijes-7159	103	20	.	.	PUNCT
aijes-7159	104	1	in	in	ADP
aijes-7159	104	2	other	other	ADJ
aijes-7159	104	3	countries	country	NOUN
aijes-7159	104	4	of	of	ADP
aijes-7159	104	5	the	the	DET
aijes-7159	104	6	balkans	balkans	PROPN
aijes-7159	104	7	,	,	PUNCT
aijes-7159	104	8	such	such	ADJ
aijes-7159	104	9	as	as	ADP
aijes-7159	104	10	in	in	ADP
aijes-7159	104	11	the	the	DET
aijes-7159	104	12	state	state	NOUN
aijes-7159	104	13	of	of	ADP
aijes-7159	104	14	kosovo	kosovo	PROPN
aijes-7159	104	15	,	,	PUNCT
aijes-7159	104	16	it	it	PRON
aijes-7159	104	17	turns	turn	VERB
aijes-7159	104	18	out	out	ADP
aijes-7159	104	19	that	that	SCONJ
aijes-7159	104	20	for	for	ADP
aijes-7159	104	21	this	this	DET
aijes-7159	104	22	period	period	NOUN
aijes-7159	104	23	of	of	ADP
aijes-7159	104	24	time	time	NOUN
aijes-7159	104	25	16.5	16.5	NUM
aijes-7159	104	26	%	%	NOUN
aijes-7159	104	27	of	of	ADP
aijes-7159	104	28	the	the	DET
aijes-7159	104	29	population	population	NOUN
aijes-7159	104	30	used	use	VERB
aijes-7159	104	31	bank	bank	NOUN
aijes-7159	104	32	cards	card	NOUN
aijes-7159	104	33	to	to	PART
aijes-7159	104	34	make	make	VERB
aijes-7159	104	35	various	various	ADJ
aijes-7159	104	36	payments	payment	NOUN
aijes-7159	104	37	,	,	PUNCT
aijes-7159	104	38	while	while	SCONJ
aijes-7159	104	39	this	this	DET
aijes-7159	104	40	indicator	indicator	NOUN
aijes-7159	104	41	in	in	ADP
aijes-7159	104	42	serbia	serbia	PROPN
aijes-7159	104	43	is	be	AUX
aijes-7159	104	44	at	at	ADP
aijes-7159	104	45	the	the	DET
aijes-7159	104	46	level	level	NOUN
aijes-7159	104	47	of	of	ADP
aijes-7159	104	48	39.4	39.4	NUM
aijes-7159	104	49	%	%	NOUN
aijes-7159	104	50	.	.	PUNCT
aijes-7159	105	1	the	the	DET
aijes-7159	105	2	above	above	ADJ
aijes-7159	105	3	data	data	NOUN
aijes-7159	105	4	shows	show	VERB
aijes-7159	105	5	why	why	SCONJ
aijes-7159	105	6	albania	albania	PROPN
aijes-7159	105	7	remains	remain	VERB
aijes-7159	105	8	a	a	DET
aijes-7159	105	9	difficult	difficult	ADJ
aijes-7159	105	10	terrain	terrain	NOUN
aijes-7159	105	11	for	for	ADP
aijes-7159	105	12	fintech	fintech	NOUN
aijes-7159	105	13	businesses	business	NOUN
aijes-7159	105	14	;	;	PUNCT
aijes-7159	105	15	but	but	CCONJ
aijes-7159	105	16	on	on	ADP
aijes-7159	105	17	the	the	DET
aijes-7159	105	18	other	other	ADJ
aijes-7159	105	19	hand	hand	NOUN
aijes-7159	105	20	,	,	PUNCT
aijes-7159	105	21	they	they	PRON
aijes-7159	105	22	also	also	ADV
aijes-7159	105	23	testify	testify	VERB
aijes-7159	105	24	to	to	ADP
aijes-7159	105	25	great	great	ADJ
aijes-7159	105	26	potential	potential	NOUN
aijes-7159	105	27	for	for	ADP
aijes-7159	105	28	the	the	DET
aijes-7159	105	29	growth	growth	NOUN
aijes-7159	105	30	of	of	ADP
aijes-7159	105	31	the	the	DET
aijes-7159	105	32	business	business	NOUN
aijes-7159	105	33	of	of	ADP
aijes-7159	105	34	payments	payment	NOUN
aijes-7159	105	35	and	and	CCONJ
aijes-7159	105	36	financial	financial	ADJ
aijes-7159	105	37	services	service	NOUN
aijes-7159	105	38	in	in	ADP
aijes-7159	105	39	the	the	DET
aijes-7159	105	40	field	field	NOUN
aijes-7159	105	41	of	of	ADP
aijes-7159	105	42	technology	technology	NOUN
aijes-7159	105	43	.	.	PUNCT
aijes-7159	106	1	based	base	VERB
aijes-7159	106	2	on	on	ADP
aijes-7159	106	3	data	datum	NOUN
aijes-7159	106	4	from	from	ADP
aijes-7159	106	5	the	the	DET
aijes-7159	106	6	bank	bank	NOUN
aijes-7159	106	7	of	of	ADP
aijes-7159	106	8	albania	albania	PROPN
aijes-7159	106	9	,	,	PUNCT
aijes-7159	106	10	it	it	PRON
aijes-7159	106	11	results	result	VERB
aijes-7159	106	12	that	that	SCONJ
aijes-7159	106	13	the	the	DET
aijes-7159	106	14	number	number	NOUN
aijes-7159	106	15	of	of	ADP
aijes-7159	106	16	transactions	transaction	NOUN
aijes-7159	106	17	through	through	ADP
aijes-7159	106	18	remote	remote	ADJ
aijes-7159	106	19	banking	banking	NOUN
aijes-7159	106	20	channels	channel	NOUN
aijes-7159	106	21	,	,	PUNCT
aijes-7159	106	22	through	through	ADP
aijes-7159	106	23	internet	internet	NOUN
aijes-7159	106	24	banking	banking	NOUN
aijes-7159	106	25	or	or	CCONJ
aijes-7159	106	26	mobile	mobile	NOUN
aijes-7159	106	27	banking	banking	NOUN
aijes-7159	106	28	,	,	PUNCT
aijes-7159	106	29	for	for	ADP
aijes-7159	106	30	2020	2020	NUM
aijes-7159	106	31	has	have	AUX
aijes-7159	106	32	increased	increase	VERB
aijes-7159	106	33	by	by	ADP
aijes-7159	106	34	a	a	DET
aijes-7159	106	35	value	value	NOUN
aijes-7159	106	36	of	of	ADP
aijes-7159	106	37	14	14	NUM
aijes-7159	106	38	%	%	NOUN
aijes-7159	106	39	compared	compare	VERB
aijes-7159	106	40	to	to	ADP
aijes-7159	106	41	2019	2019	NUM
aijes-7159	106	42	.	.	PUNCT
aijes-7159	107	1	the	the	DET
aijes-7159	107	2	growth	growth	NOUN
aijes-7159	107	3	in	in	ADP
aijes-7159	107	4	the	the	DET
aijes-7159	107	5	fintech	fintech	NOUN
aijes-7159	107	6	market	market	NOUN
aijes-7159	107	7	is	be	AUX
aijes-7159	107	8	influenced	influence	VERB
aijes-7159	107	9	by	by	ADP
aijes-7159	107	10	several	several	ADJ
aijes-7159	107	11	factors	factor	NOUN
aijes-7159	107	12	summarized	summarize	VERB
aijes-7159	107	13	below	below	ADV
aijes-7159	107	14	.	.	PUNCT
aijes-7159	108	1	firstly	firstly	ADV
aijes-7159	108	2	,	,	PUNCT
aijes-7159	108	3	we	we	PRON
aijes-7159	108	4	can	can	AUX
aijes-7159	108	5	say	say	VERB
aijes-7159	108	6	that	that	SCONJ
aijes-7159	108	7	the	the	DET
aijes-7159	108	8	increasing	increase	VERB
aijes-7159	108	9	adoption	adoption	NOUN
aijes-7159	108	10	of	of	ADP
aijes-7159	108	11	latest	late	ADJ
aijes-7159	108	12	generation	generation	NOUN
aijes-7159	108	13	smartphones	smartphone	NOUN
aijes-7159	108	14	and	and	CCONJ
aijes-7159	108	15	the	the	DET
aijes-7159	108	16	internet	internet	NOUN
aijes-7159	108	17	has	have	AUX
aijes-7159	108	18	made	make	VERB
aijes-7159	108	19	digital	digital	ADJ
aijes-7159	108	20	solutions	solution	NOUN
aijes-7159	108	21	more	more	ADV
aijes-7159	108	22	accessible	accessible	ADJ
aijes-7159	108	23	to	to	ADP
aijes-7159	108	24	consumers	consumer	NOUN
aijes-7159	108	25	,	,	PUNCT
aijes-7159	108	26	leading	lead	VERB
aijes-7159	108	27	to	to	ADP
aijes-7159	108	28	an	an	DET
aijes-7159	108	29	increase	increase	NOUN
aijes-7159	108	30	in	in	ADP
aijes-7159	108	31	demand	demand	NOUN
aijes-7159	108	32	for	for	ADP
aijes-7159	108	33	fintech	fintech	NOUN
aijes-7159	108	34	services	service	NOUN
aijes-7159	108	35	.	.	PUNCT
aijes-7159	109	1	secondly	secondly	ADV
aijes-7159	109	2	,	,	PUNCT
aijes-7159	109	3	we	we	PRON
aijes-7159	109	4	can	can	AUX
aijes-7159	109	5	say	say	VERB
aijes-7159	109	6	that	that	SCONJ
aijes-7159	109	7	the	the	DET
aijes-7159	109	8	covid-19	covid-19	PROPN
aijes-7159	109	9	pandemic	pandemic	NOUN
aijes-7159	109	10	has	have	AUX
aijes-7159	109	11	accelerated	accelerate	VERB
aijes-7159	109	12	and	and	CCONJ
aijes-7159	109	13	increased	increase	VERB
aijes-7159	109	14	the	the	DET
aijes-7159	109	15	level	level	NOUN
aijes-7159	109	16	of	of	ADP
aijes-7159	109	17	digital	digital	ADJ
aijes-7159	109	18	payments	payment	NOUN
aijes-7159	109	19	and	and	CCONJ
aijes-7159	109	20	investments	investment	NOUN
aijes-7159	109	21	,	,	PUNCT
aijes-7159	109	22	as	as	SCONJ
aijes-7159	109	23	consumers	consumer	NOUN
aijes-7159	109	24	have	have	AUX
aijes-7159	109	25	had	have	VERB
aijes-7159	109	26	to	to	PART
aijes-7159	109	27	adapt	adapt	VERB
aijes-7159	109	28	to	to	ADP
aijes-7159	109	29	remote	remote	ADJ
aijes-7159	109	30	transactions	transaction	NOUN
aijes-7159	109	31	.	.	PUNCT
aijes-7159	110	1	thirdly	thirdly	ADV
aijes-7159	110	2	,	,	PUNCT
aijes-7159	110	3	we	we	PRON
aijes-7159	110	4	can	can	AUX
aijes-7159	110	5	say	say	VERB
aijes-7159	110	6	that	that	SCONJ
aijes-7159	110	7	regulatory	regulatory	ADJ
aijes-7159	110	8	changes	change	NOUN
aijes-7159	110	9	have	have	AUX
aijes-7159	110	10	enabled	enable	VERB
aijes-7159	110	11	fintech	fintech	NOUN
aijes-7159	110	12	companies	company	NOUN
aijes-7159	110	13	to	to	PART
aijes-7159	110	14	compete	compete	VERB
aijes-7159	110	15	with	with	ADP
aijes-7159	110	16	traditional	traditional	ADJ
aijes-7159	110	17	financial	financial	ADJ
aijes-7159	110	18	institutions	institution	NOUN
aijes-7159	110	19	on	on	ADP
aijes-7159	110	20	a	a	DET
aijes-7159	110	21	more	more	ADV
aijes-7159	110	22	level	level	ADJ
aijes-7159	110	23	playing	playing	NOUN
aijes-7159	110	24	field	field	NOUN
aijes-7159	110	25	.	.	PUNCT
aijes-7159	111	1	fourth	fourth	ADJ
aijes-7159	111	2	,	,	PUNCT
aijes-7159	111	3	advances	advance	NOUN
aijes-7159	111	4	in	in	ADP
aijes-7159	111	5	technology	technology	NOUN
aijes-7159	111	6	,	,	PUNCT
aijes-7159	111	7	particularly	particularly	ADV
aijes-7159	111	8	in	in	ADP
aijes-7159	111	9	the	the	DET
aijes-7159	111	10	field	field	NOUN
aijes-7159	111	11	of	of	ADP
aijes-7159	111	12	artificial	artificial	ADJ
aijes-7159	111	13	intelligence	intelligence	NOUN
aijes-7159	111	14	software	software	NOUN
aijes-7159	111	15	and	and	CCONJ
aijes-7159	111	16	the	the	DET
aijes-7159	111	17	evolution	evolution	NOUN
aijes-7159	111	18	of	of	ADP
aijes-7159	111	19	blockchain	blockchain	PROPN
aijes-7159	111	20	-	-	PUNCT
aijes-7159	111	21	based	base	VERB
aijes-7159	111	22	systems	system	NOUN
aijes-7159	111	23	,	,	PUNCT
aijes-7159	111	24	have	have	AUX
aijes-7159	111	25	opened	open	VERB
aijes-7159	111	26	up	up	ADP
aijes-7159	111	27	new	new	ADJ
aijes-7159	111	28	options	option	NOUN
aijes-7159	111	29	for	for	ADP
aijes-7159	111	30	innovation	innovation	NOUN
aijes-7159	111	31	in	in	ADP
aijes-7159	111	32	the	the	DET
aijes-7159	111	33	field	field	NOUN
aijes-7159	111	34	of	of	ADP
aijes-7159	111	35	fintech	fintech	NOUN
aijes-7159	111	36	.	.	PUNCT
aijes-7159	112	1	the	the	DET
aijes-7159	112	2	financial	financial	ADJ
aijes-7159	112	3	market	market	NOUN
aijes-7159	112	4	in	in	ADP
aijes-7159	112	5	which	which	PRON
aijes-7159	112	6	fintech	fintech	NOUN
aijes-7159	112	7	is	be	AUX
aijes-7159	112	8	applied	apply	VERB
aijes-7159	112	9	has	have	VERB
aijes-7159	112	10	a	a	DET
aijes-7159	112	11	tendency	tendency	NOUN
aijes-7159	112	12	to	to	PART
aijes-7159	112	13	continue	continue	VERB
aijes-7159	112	14	to	to	PART
aijes-7159	112	15	grow	grow	VERB
aijes-7159	112	16	at	at	ADP
aijes-7159	112	17	a	a	DET
aijes-7159	112	18	rapid	rapid	ADJ
aijes-7159	112	19	pace	pace	NOUN
aijes-7159	112	20	,	,	PUNCT
aijes-7159	112	21	fueled	fuel	VERB
aijes-7159	112	22	by	by	ADP
aijes-7159	112	23	continuous	continuous	ADJ
aijes-7159	112	24	technological	technological	ADJ
aijes-7159	112	25	advances	advance	NOUN
aijes-7159	112	26	,	,	PUNCT
aijes-7159	112	27	changing	change	VERB
aijes-7159	112	28	consumer	consumer	NOUN
aijes-7159	112	29	behavior	behavior	NOUN
aijes-7159	112	30	and	and	CCONJ
aijes-7159	112	31	support	support	NOUN
aijes-7159	112	32	for	for	ADP
aijes-7159	112	33	clearer	clear	ADJ
aijes-7159	112	34	laws	law	NOUN
aijes-7159	112	35	and	and	CCONJ
aijes-7159	112	36	regulations	regulation	NOUN
aijes-7159	112	37	.	.	PUNCT
aijes-7159	113	1	it	it	PRON
aijes-7159	113	2	is	be	AUX
aijes-7159	113	3	also	also	ADV
aijes-7159	113	4	worth	worth	ADJ
aijes-7159	113	5	noting	note	VERB
aijes-7159	113	6	that	that	SCONJ
aijes-7159	113	7	the	the	DET
aijes-7159	113	8	digital	digital	ADJ
aijes-7159	113	9	payment	payment	NOUN
aijes-7159	113	10	system	system	NOUN
aijes-7159	113	11	on	on	ADP
aijes-7159	113	12	the	the	DET
aijes-7159	113	13	part	part	NOUN
aijes-7159	113	14	of	of	ADP
aijes-7159	113	15	consumers	consumer	NOUN
aijes-7159	113	16	is	be	AUX
aijes-7159	113	17	growing	grow	VERB
aijes-7159	113	18	more	more	ADV
aijes-7159	113	19	and	and	CCONJ
aijes-7159	113	20	more	more	ADV
aijes-7159	113	21	,	,	PUNCT
aijes-7159	113	22	as	as	SCONJ
aijes-7159	113	23	the	the	DET
aijes-7159	113	24	latter	latter	ADJ
aijes-7159	113	25	are	be	AUX
aijes-7159	113	26	increasingly	increasingly	ADV
aijes-7159	113	27	preferring	prefer	VERB
aijes-7159	113	28	smat	smat	ADJ
aijes-7159	113	29	devices	device	NOUN
aijes-7159	113	30	as	as	ADP
aijes-7159	113	31	a	a	DET
aijes-7159	113	32	means	means	NOUN
aijes-7159	113	33	of	of	ADP
aijes-7159	113	34	payment	payment	NOUN
aijes-7159	113	35	.	.	PUNCT
aijes-7159	114	1	digital	digital	ADJ
aijes-7159	114	2	investment	investment	NOUN
aijes-7159	114	3	platforms	platform	NOUN
aijes-7159	114	4	are	be	AUX
aijes-7159	114	5	also	also	ADV
aijes-7159	114	6	expected	expect	VERB
aijes-7159	114	7	to	to	PART
aijes-7159	114	8	grow	grow	VERB
aijes-7159	114	9	in	in	ADP
aijes-7159	114	10	popularity	popularity	NOUN
aijes-7159	114	11	as	as	SCONJ
aijes-7159	114	12	more	more	ADJ
aijes-7159	114	13	individuals	individual	NOUN
aijes-7159	114	14	look	look	VERB
aijes-7159	114	15	to	to	PART
aijes-7159	114	16	manage	manage	VERB
aijes-7159	114	17	their	their	PRON
aijes-7159	114	18	finances	finance	NOUN
aijes-7159	114	19	online	online	ADV
aijes-7159	114	20	.	.	PUNCT
aijes-7159	115	1	after	after	ADP
aijes-7159	115	2	processing	process	VERB
aijes-7159	115	3	the	the	DET
aijes-7159	115	4	data	datum	NOUN
aijes-7159	115	5	of	of	ADP
aijes-7159	115	6	the	the	DET
aijes-7159	115	7	questionnaires	questionnaire	NOUN
aijes-7159	115	8	by	by	ADP
aijes-7159	115	9	the	the	DET
aijes-7159	115	10	authors	author	NOUN
aijes-7159	115	11	through	through	ADP
aijes-7159	115	12	the	the	DET
aijes-7159	115	13	computer	computer	NOUN
aijes-7159	115	14	program	program	NOUN
aijes-7159	115	15	microsoft	microsoft	PROPN
aijes-7159	115	16	excel	excel	PROPN
aijes-7159	115	17	,	,	PUNCT
aijes-7159	115	18	the	the	DET
aijes-7159	115	19	summarized	summarize	VERB
aijes-7159	115	20	findings	finding	NOUN
aijes-7159	115	21	and	and	CCONJ
aijes-7159	115	22	their	their	PRON
aijes-7159	115	23	interpretation	interpretation	NOUN
aijes-7159	115	24	are	be	AUX
aijes-7159	115	25	presented	present	VERB
aijes-7159	115	26	below	below	ADV
aijes-7159	115	27	.	.	PUNCT
aijes-7159	116	1	figure1	figure1	PROPN
aijes-7159	116	2	.	.	PUNCT
aijes-7159	117	1	total	total	ADJ
aijes-7159	117	2	number	number	NOUN
aijes-7159	117	3	of	of	ADP
aijes-7159	117	4	people	people	NOUN
aijes-7159	117	5	surveyed	survey	VERB
aijes-7159	117	6	by	by	ADP
aijes-7159	117	7	age	age	NOUN
aijes-7159	117	8	group	group	NOUN
aijes-7159	117	9	.	.	PUNCT
aijes-7159	118	1	source	source	NOUN
aijes-7159	118	2	:	:	PUNCT
aijes-7159	118	3	data	datum	NOUN
aijes-7159	118	4	processed	process	VERB
aijes-7159	118	5	by	by	ADP
aijes-7159	118	6	the	the	DET
aijes-7159	118	7	authors	author	NOUN
aijes-7159	118	8	with	with	ADP
aijes-7159	118	9	microsoft	microsoft	PROPN
aijes-7159	118	10	excel	excel	PROPN
aijes-7159	118	11	program	program	NOUN
aijes-7159	118	12	(	(	PUNCT
aijes-7159	118	13	march	march	NOUN
aijes-7159	118	14	2025	2025	NUM
aijes-7159	118	15	)	)	PUNCT
aijes-7159	118	16	.	.	PUNCT
aijes-7159	119	1	252	252	NUM
aijes-7159	119	2	140	140	NUM
aijes-7159	119	3	67	67	NUM
aijes-7159	119	4	85	85	NUM
aijes-7159	119	5	30	30	NUM
aijes-7159	119	6	18	18	NUM
aijes-7159	119	7	-	-	SYM
aijes-7159	119	8	30	30	NUM
aijes-7159	119	9	31	31	NUM
aijes-7159	119	10	-	-	SYM
aijes-7159	119	11	40	40	NUM
aijes-7159	119	12	41	41	NUM
aijes-7159	119	13	-	-	SYM
aijes-7159	119	14	50	50	NUM
aijes-7159	119	15	51	51	NUM
aijes-7159	119	16	-	-	SYM
aijes-7159	119	17	60	60	NUM
aijes-7159	119	18	>	>	SYM
aijes-7159	119	19	60	60	NUM
aijes-7159	119	20	total	total	ADJ
aijes-7159	119	21	number	number	NOUN
aijes-7159	119	22	of	of	ADP
aijes-7159	119	23	people	people	NOUN
aijes-7159	119	24	surveyed	survey	VERB
aijes-7159	119	25	by	by	ADP
aijes-7159	119	26	age	age	NOUN
aijes-7159	119	27	group	group	NOUN
aijes-7159	119	28	.	.	PUNCT
aijes-7159	120	1	technological	technological	ADJ
aijes-7159	120	2	finance	finance	NOUN
aijes-7159	120	3	(	(	PUNCT
aijes-7159	120	4	fintech	fintech	NOUN
aijes-7159	120	5	)	)	PUNCT
aijes-7159	120	6	and	and	CCONJ
aijes-7159	120	7	its	its	PRON
aijes-7159	120	8	performance	performance	NOUN
aijes-7159	120	9	in	in	ADP
aijes-7159	120	10	albania	albania	PROPN
aijes-7159	120	11	288	288	NUM
aijes-7159	120	12	from	from	ADP
aijes-7159	120	13	the	the	DET
aijes-7159	120	14	total	total	NOUN
aijes-7159	120	15	of	of	ADP
aijes-7159	120	16	574	574	NUM
aijes-7159	120	17	individuals	individual	NOUN
aijes-7159	120	18	who	who	PRON
aijes-7159	120	19	participated	participate	VERB
aijes-7159	120	20	in	in	ADP
aijes-7159	120	21	this	this	DET
aijes-7159	120	22	survey	survey	NOUN
aijes-7159	120	23	,	,	PUNCT
aijes-7159	120	24	it	it	PRON
aijes-7159	120	25	resulted	result	VERB
aijes-7159	120	26	that	that	SCONJ
aijes-7159	120	27	:	:	PUNCT
aijes-7159	120	28	252	252	NUM
aijes-7159	120	29	individuals	individual	NOUN
aijes-7159	120	30	who	who	PRON
aijes-7159	120	31	completed	complete	VERB
aijes-7159	120	32	the	the	DET
aijes-7159	120	33	questionnaires	questionnaire	NOUN
aijes-7159	120	34	belong	belong	VERB
aijes-7159	120	35	to	to	ADP
aijes-7159	120	36	the	the	DET
aijes-7159	120	37	age	age	NOUN
aijes-7159	120	38	group	group	NOUN
aijes-7159	120	39	between	between	ADP
aijes-7159	120	40	18	18	NUM
aijes-7159	120	41	and	and	CCONJ
aijes-7159	120	42	30	30	NUM
aijes-7159	120	43	years	year	NOUN
aijes-7159	120	44	old	old	ADJ
aijes-7159	120	45	,	,	PUNCT
aijes-7159	120	46	or	or	CCONJ
aijes-7159	120	47	in	in	ADP
aijes-7159	120	48	other	other	ADJ
aijes-7159	120	49	words	word	NOUN
aijes-7159	120	50	44.7	44.7	NUM
aijes-7159	120	51	%	%	NOUN
aijes-7159	120	52	of	of	ADP
aijes-7159	120	53	the	the	DET
aijes-7159	120	54	respondents	respondent	NOUN
aijes-7159	120	55	.	.	PUNCT
aijes-7159	121	1	it	it	PRON
aijes-7159	121	2	is	be	AUX
aijes-7159	121	3	noted	note	VERB
aijes-7159	121	4	that	that	SCONJ
aijes-7159	121	5	140	140	NUM
aijes-7159	121	6	individuals	individual	NOUN
aijes-7159	121	7	who	who	PRON
aijes-7159	121	8	completed	complete	VERB
aijes-7159	121	9	the	the	DET
aijes-7159	121	10	questionnaires	questionnaire	NOUN
aijes-7159	121	11	belong	belong	VERB
aijes-7159	121	12	to	to	ADP
aijes-7159	121	13	the	the	DET
aijes-7159	121	14	age	age	NOUN
aijes-7159	121	15	group	group	NOUN
aijes-7159	121	16	between	between	ADP
aijes-7159	121	17	31	31	NUM
aijes-7159	121	18	and	and	CCONJ
aijes-7159	121	19	40	40	NUM
aijes-7159	121	20	years	year	NOUN
aijes-7159	121	21	old	old	ADJ
aijes-7159	121	22	,	,	PUNCT
aijes-7159	121	23	or	or	CCONJ
aijes-7159	121	24	in	in	ADP
aijes-7159	121	25	other	other	ADJ
aijes-7159	121	26	words	word	NOUN
aijes-7159	121	27	24.3	24.3	NUM
aijes-7159	121	28	%	%	NOUN
aijes-7159	121	29	of	of	ADP
aijes-7159	121	30	the	the	DET
aijes-7159	121	31	respondents	respondent	NOUN
aijes-7159	121	32	.	.	PUNCT
aijes-7159	122	1	it	it	PRON
aijes-7159	122	2	is	be	AUX
aijes-7159	122	3	noted	note	VERB
aijes-7159	122	4	that	that	SCONJ
aijes-7159	122	5	67	67	NUM
aijes-7159	122	6	people	people	NOUN
aijes-7159	122	7	who	who	PRON
aijes-7159	122	8	completed	complete	VERB
aijes-7159	122	9	the	the	DET
aijes-7159	122	10	questionnaires	questionnaire	NOUN
aijes-7159	122	11	belong	belong	VERB
aijes-7159	122	12	to	to	ADP
aijes-7159	122	13	the	the	DET
aijes-7159	122	14	age	age	NOUN
aijes-7159	122	15	group	group	NOUN
aijes-7159	122	16	between	between	ADP
aijes-7159	122	17	41	41	NUM
aijes-7159	122	18	and	and	CCONJ
aijes-7159	122	19	50	50	NUM
aijes-7159	122	20	years	year	NOUN
aijes-7159	122	21	old	old	ADJ
aijes-7159	122	22	,	,	PUNCT
aijes-7159	122	23	or	or	CCONJ
aijes-7159	122	24	in	in	ADP
aijes-7159	122	25	other	other	ADJ
aijes-7159	122	26	words	word	NOUN
aijes-7159	122	27	11.67	11.67	NUM
aijes-7159	122	28	%	%	NOUN
aijes-7159	122	29	of	of	ADP
aijes-7159	122	30	the	the	DET
aijes-7159	122	31	respondents	respondent	NOUN
aijes-7159	122	32	.	.	PUNCT
aijes-7159	123	1	it	it	PRON
aijes-7159	123	2	is	be	AUX
aijes-7159	123	3	noted	note	VERB
aijes-7159	123	4	that	that	SCONJ
aijes-7159	123	5	85	85	NUM
aijes-7159	123	6	people	people	NOUN
aijes-7159	123	7	who	who	PRON
aijes-7159	123	8	completed	complete	VERB
aijes-7159	123	9	the	the	DET
aijes-7159	123	10	questionnaires	questionnaire	NOUN
aijes-7159	123	11	belong	belong	VERB
aijes-7159	123	12	to	to	ADP
aijes-7159	123	13	the	the	DET
aijes-7159	123	14	age	age	NOUN
aijes-7159	123	15	group	group	NOUN
aijes-7159	123	16	between	between	ADP
aijes-7159	123	17	51	51	NUM
aijes-7159	123	18	and	and	CCONJ
aijes-7159	123	19	60	60	NUM
aijes-7159	123	20	years	year	NOUN
aijes-7159	123	21	old	old	ADJ
aijes-7159	123	22	,	,	PUNCT
aijes-7159	123	23	or	or	CCONJ
aijes-7159	123	24	in	in	ADP
aijes-7159	123	25	other	other	ADJ
aijes-7159	123	26	words	word	NOUN
aijes-7159	123	27	10.1	10.1	NUM
aijes-7159	123	28	%	%	NOUN
aijes-7159	123	29	of	of	ADP
aijes-7159	123	30	the	the	DET
aijes-7159	123	31	respondents	respondent	NOUN
aijes-7159	123	32	are	be	AUX
aijes-7159	123	33	part	part	NOUN
aijes-7159	123	34	of	of	ADP
aijes-7159	123	35	this	this	DET
aijes-7159	123	36	interval	interval	NOUN
aijes-7159	123	37	.	.	PUNCT
aijes-7159	124	1	and	and	CCONJ
aijes-7159	124	2	finally	finally	ADV
aijes-7159	124	3	,	,	PUNCT
aijes-7159	124	4	30	30	NUM
aijes-7159	124	5	people	people	NOUN
aijes-7159	124	6	who	who	PRON
aijes-7159	124	7	participated	participate	VERB
aijes-7159	124	8	in	in	ADP
aijes-7159	124	9	the	the	DET
aijes-7159	124	10	survey	survey	NOUN
aijes-7159	124	11	belong	belong	VERB
aijes-7159	124	12	to	to	ADP
aijes-7159	124	13	the	the	DET
aijes-7159	124	14	age	age	NOUN
aijes-7159	124	15	group	group	NOUN
aijes-7159	124	16	over	over	ADP
aijes-7159	124	17	60	60	NUM
aijes-7159	124	18	,	,	PUNCT
aijes-7159	124	19	or	or	CCONJ
aijes-7159	124	20	in	in	ADP
aijes-7159	124	21	other	other	ADJ
aijes-7159	124	22	words	word	NOUN
aijes-7159	124	23	5.2	5.2	NUM
aijes-7159	124	24	%	%	NOUN
aijes-7159	124	25	of	of	ADP
aijes-7159	124	26	the	the	DET
aijes-7159	124	27	total	total	NOUN
aijes-7159	124	28	.	.	PUNCT
aijes-7159	125	1	figure	figure	NOUN
aijes-7159	125	2	2	2	NUM
aijes-7159	125	3	.	.	PUNCT
aijes-7159	125	4	use	use	NOUN
aijes-7159	125	5	of	of	ADP
aijes-7159	125	6	financial	financial	ADJ
aijes-7159	125	7	services	service	NOUN
aijes-7159	125	8	by	by	ADP
aijes-7159	125	9	the	the	DET
aijes-7159	125	10	interviewed	interview	VERB
aijes-7159	125	11	persons	person	NOUN
aijes-7159	125	12	.	.	PUNCT
aijes-7159	126	1	source	source	NOUN
aijes-7159	126	2	:	:	PUNCT
aijes-7159	126	3	data	datum	NOUN
aijes-7159	126	4	processed	process	VERB
aijes-7159	126	5	by	by	ADP
aijes-7159	126	6	the	the	DET
aijes-7159	126	7	authors	author	NOUN
aijes-7159	126	8	with	with	ADP
aijes-7159	126	9	microsoft	microsoft	PROPN
aijes-7159	126	10	excel	excel	PROPN
aijes-7159	126	11	program	program	NOUN
aijes-7159	126	12	(	(	PUNCT
aijes-7159	126	13	march	march	NOUN
aijes-7159	126	14	2025	2025	NUM
aijes-7159	126	15	)	)	PUNCT
aijes-7159	126	16	.	.	PUNCT
aijes-7159	127	1	in	in	ADP
aijes-7159	127	2	the	the	DET
aijes-7159	127	3	above	above	ADJ
aijes-7159	127	4	graph	graph	NOUN
aijes-7159	127	5	it	it	PRON
aijes-7159	127	6	is	be	AUX
aijes-7159	127	7	observed	observe	VERB
aijes-7159	127	8	that	that	SCONJ
aijes-7159	127	9	:	:	PUNCT
aijes-7159	127	10	213	213	NUM
aijes-7159	127	11	individuals	individual	NOUN
aijes-7159	127	12	who	who	PRON
aijes-7159	127	13	are	be	AUX
aijes-7159	127	14	part	part	NOUN
aijes-7159	127	15	of	of	ADP
aijes-7159	127	16	the	the	DET
aijes-7159	127	17	age	age	NOUN
aijes-7159	127	18	group	group	NOUN
aijes-7159	127	19	18	18	NUM
aijes-7159	127	20	to	to	PART
aijes-7159	127	21	30	30	NUM
aijes-7159	127	22	years	year	NOUN
aijes-7159	127	23	old	old	ADJ
aijes-7159	127	24	have	have	VERB
aijes-7159	127	25	a	a	DET
aijes-7159	127	26	bank	bank	NOUN
aijes-7159	127	27	account	account	NOUN
aijes-7159	127	28	.	.	PUNCT
aijes-7159	128	1	189	189	NUM
aijes-7159	128	2	individuals	individual	NOUN
aijes-7159	128	3	of	of	ADP
aijes-7159	128	4	this	this	DET
aijes-7159	128	5	age	age	NOUN
aijes-7159	128	6	group	group	NOUN
aijes-7159	128	7	own	own	VERB
aijes-7159	128	8	a	a	DET
aijes-7159	128	9	debit	debit	NOUN
aijes-7159	128	10	card	card	NOUN
aijes-7159	128	11	and	and	CCONJ
aijes-7159	128	12	130	130	NUM
aijes-7159	128	13	of	of	ADP
aijes-7159	128	14	them	they	PRON
aijes-7159	128	15	own	own	VERB
aijes-7159	128	16	a	a	DET
aijes-7159	128	17	credit	credit	NOUN
aijes-7159	128	18	card	card	NOUN
aijes-7159	128	19	.	.	PUNCT
aijes-7159	129	1	in	in	ADP
aijes-7159	129	2	the	the	DET
aijes-7159	129	3	above	above	ADJ
aijes-7159	129	4	graph	graph	NOUN
aijes-7159	129	5	it	it	PRON
aijes-7159	129	6	is	be	AUX
aijes-7159	129	7	observed	observe	VERB
aijes-7159	129	8	that	that	SCONJ
aijes-7159	129	9	:	:	PUNCT
aijes-7159	129	10	134	134	NUM
aijes-7159	129	11	individuals	individual	NOUN
aijes-7159	129	12	of	of	ADP
aijes-7159	129	13	the	the	DET
aijes-7159	129	14	age	age	NOUN
aijes-7159	129	15	group	group	NOUN
aijes-7159	129	16	31	31	NUM
aijes-7159	129	17	to	to	PART
aijes-7159	129	18	40	40	NUM
aijes-7159	129	19	years	year	NOUN
aijes-7159	129	20	old	old	ADJ
aijes-7159	129	21	have	have	VERB
aijes-7159	129	22	a	a	DET
aijes-7159	129	23	bank	bank	NOUN
aijes-7159	129	24	account	account	NOUN
aijes-7159	129	25	.	.	PUNCT
aijes-7159	130	1	124	124	NUM
aijes-7159	130	2	individuals	individual	NOUN
aijes-7159	130	3	of	of	ADP
aijes-7159	130	4	this	this	DET
aijes-7159	130	5	age	age	NOUN
aijes-7159	130	6	group	group	NOUN
aijes-7159	130	7	own	own	VERB
aijes-7159	130	8	a	a	DET
aijes-7159	130	9	debit	debit	NOUN
aijes-7159	130	10	card	card	NOUN
aijes-7159	130	11	and	and	CCONJ
aijes-7159	130	12	95	95	NUM
aijes-7159	130	13	of	of	ADP
aijes-7159	130	14	them	they	PRON
aijes-7159	130	15	own	own	VERB
aijes-7159	130	16	a	a	DET
aijes-7159	130	17	credit	credit	NOUN
aijes-7159	130	18	card	card	NOUN
aijes-7159	130	19	.	.	PUNCT
aijes-7159	131	1	in	in	ADP
aijes-7159	131	2	the	the	DET
aijes-7159	131	3	above	above	ADJ
aijes-7159	131	4	graph	graph	NOUN
aijes-7159	131	5	it	it	PRON
aijes-7159	131	6	is	be	AUX
aijes-7159	131	7	observed	observe	VERB
aijes-7159	131	8	that	that	SCONJ
aijes-7159	131	9	:	:	PUNCT
aijes-7159	131	10	50	50	NUM
aijes-7159	131	11	individuals	individual	NOUN
aijes-7159	131	12	of	of	ADP
aijes-7159	131	13	the	the	DET
aijes-7159	131	14	age	age	NOUN
aijes-7159	131	15	group	group	NOUN
aijes-7159	131	16	41	41	NUM
aijes-7159	131	17	to	to	PART
aijes-7159	131	18	50	50	NUM
aijes-7159	131	19	years	year	NOUN
aijes-7159	131	20	old	old	ADJ
aijes-7159	131	21	have	have	VERB
aijes-7159	131	22	a	a	DET
aijes-7159	131	23	bank	bank	NOUN
aijes-7159	131	24	account	account	NOUN
aijes-7159	131	25	.	.	PUNCT
aijes-7159	132	1	48	48	NUM
aijes-7159	132	2	individuals	individual	NOUN
aijes-7159	132	3	of	of	ADP
aijes-7159	132	4	this	this	DET
aijes-7159	132	5	age	age	NOUN
aijes-7159	132	6	group	group	NOUN
aijes-7159	132	7	own	own	VERB
aijes-7159	132	8	a	a	DET
aijes-7159	132	9	debit	debit	NOUN
aijes-7159	132	10	card	card	NOUN
aijes-7159	132	11	and	and	CCONJ
aijes-7159	132	12	41	41	NUM
aijes-7159	132	13	of	of	ADP
aijes-7159	132	14	them	they	PRON
aijes-7159	132	15	own	own	VERB
aijes-7159	132	16	a	a	DET
aijes-7159	132	17	credit	credit	NOUN
aijes-7159	132	18	card	card	NOUN
aijes-7159	132	19	.	.	PUNCT
aijes-7159	133	1	in	in	ADP
aijes-7159	133	2	the	the	DET
aijes-7159	133	3	above	above	ADJ
aijes-7159	133	4	graph	graph	NOUN
aijes-7159	133	5	it	it	PRON
aijes-7159	133	6	is	be	AUX
aijes-7159	133	7	observed	observe	VERB
aijes-7159	133	8	that	that	SCONJ
aijes-7159	133	9	:	:	PUNCT
aijes-7159	133	10	43	43	NUM
aijes-7159	133	11	individuals	individual	NOUN
aijes-7159	133	12	who	who	PRON
aijes-7159	133	13	are	be	AUX
aijes-7159	133	14	part	part	NOUN
aijes-7159	133	15	of	of	ADP
aijes-7159	133	16	the	the	DET
aijes-7159	133	17	age	age	NOUN
aijes-7159	133	18	group	group	NOUN
aijes-7159	133	19	51	51	NUM
aijes-7159	133	20	to	to	PART
aijes-7159	133	21	60	60	NUM
aijes-7159	133	22	years	year	NOUN
aijes-7159	133	23	old	old	ADJ
aijes-7159	133	24	have	have	VERB
aijes-7159	133	25	a	a	DET
aijes-7159	133	26	bank	bank	NOUN
aijes-7159	133	27	account	account	NOUN
aijes-7159	133	28	.	.	PUNCT
aijes-7159	134	1	35	35	NUM
aijes-7159	134	2	people	people	NOUN
aijes-7159	134	3	of	of	ADP
aijes-7159	134	4	this	this	DET
aijes-7159	134	5	age	age	NOUN
aijes-7159	134	6	group	group	NOUN
aijes-7159	134	7	own	own	VERB
aijes-7159	134	8	a	a	DET
aijes-7159	134	9	debit	debit	NOUN
aijes-7159	134	10	card	card	NOUN
aijes-7159	134	11	and	and	CCONJ
aijes-7159	134	12	35	35	NUM
aijes-7159	134	13	of	of	ADP
aijes-7159	134	14	them	they	PRON
aijes-7159	134	15	own	own	VERB
aijes-7159	134	16	a	a	DET
aijes-7159	134	17	credit	credit	NOUN
aijes-7159	134	18	card	card	NOUN
aijes-7159	134	19	.	.	PUNCT
aijes-7159	135	1	in	in	ADP
aijes-7159	135	2	the	the	DET
aijes-7159	135	3	above	above	ADJ
aijes-7159	135	4	graph	graph	NOUN
aijes-7159	135	5	it	it	PRON
aijes-7159	135	6	is	be	AUX
aijes-7159	135	7	observed	observe	VERB
aijes-7159	135	8	that	that	SCONJ
aijes-7159	135	9	:	:	PUNCT
aijes-7159	135	10	17	17	NUM
aijes-7159	135	11	people	people	NOUN
aijes-7159	135	12	of	of	ADP
aijes-7159	135	13	the	the	DET
aijes-7159	135	14	age	age	NOUN
aijes-7159	135	15	group	group	NOUN
aijes-7159	135	16	over	over	ADP
aijes-7159	135	17	60	60	NUM
aijes-7159	135	18	years	year	NOUN
aijes-7159	135	19	old	old	ADJ
aijes-7159	135	20	have	have	VERB
aijes-7159	135	21	a	a	DET
aijes-7159	135	22	bank	bank	NOUN
aijes-7159	135	23	account	account	NOUN
aijes-7159	135	24	.	.	PUNCT
aijes-7159	136	1	17	17	NUM
aijes-7159	136	2	individuals	individual	NOUN
aijes-7159	136	3	of	of	ADP
aijes-7159	136	4	this	this	DET
aijes-7159	136	5	age	age	NOUN
aijes-7159	136	6	group	group	NOUN
aijes-7159	136	7	own	own	VERB
aijes-7159	136	8	a	a	DET
aijes-7159	136	9	debit	debit	NOUN
aijes-7159	136	10	card	card	NOUN
aijes-7159	136	11	and	and	CCONJ
aijes-7159	136	12	2	2	NUM
aijes-7159	136	13	of	of	ADP
aijes-7159	136	14	them	they	PRON
aijes-7159	136	15	own	own	VERB
aijes-7159	136	16	a	a	DET
aijes-7159	136	17	credit	credit	NOUN
aijes-7159	136	18	card	card	NOUN
aijes-7159	136	19	.	.	PUNCT
aijes-7159	137	1	figure	figure	NOUN
aijes-7159	137	2	3	3	NUM
aijes-7159	137	3	.	.	PUNCT
aijes-7159	137	4	financial	financial	ADJ
aijes-7159	137	5	product	product	NOUN
aijes-7159	137	6	ownership	ownership	NOUN
aijes-7159	137	7	by	by	ADP
aijes-7159	137	8	education	education	NOUN
aijes-7159	137	9	.	.	PUNCT
aijes-7159	138	1	source	source	NOUN
aijes-7159	138	2	:	:	PUNCT
aijes-7159	138	3	data	datum	NOUN
aijes-7159	138	4	processed	process	VERB
aijes-7159	138	5	by	by	ADP
aijes-7159	138	6	the	the	DET
aijes-7159	138	7	authors	author	NOUN
aijes-7159	138	8	with	with	ADP
aijes-7159	138	9	microsoft	microsoft	PROPN
aijes-7159	138	10	excel	excel	PROPN
aijes-7159	138	11	program	program	NOUN
aijes-7159	138	12	(	(	PUNCT
aijes-7159	138	13	march	march	NOUN
aijes-7159	138	14	2025	2025	NUM
aijes-7159	138	15	)	)	PUNCT
aijes-7159	138	16	.	.	PUNCT
aijes-7159	139	1	213	213	NUM
aijes-7159	139	2	134	134	NUM
aijes-7159	139	3	50	50	NUM
aijes-7159	139	4	43	43	NUM
aijes-7159	139	5	17	17	NUM
aijes-7159	139	6	189	189	NUM
aijes-7159	139	7	124	124	NUM
aijes-7159	139	8	48	48	NUM
aijes-7159	139	9	43	43	NUM
aijes-7159	139	10	17130	17130	NUM
aijes-7159	139	11	95	95	NUM
aijes-7159	139	12	41	41	NUM
aijes-7159	139	13	35	35	NUM
aijes-7159	139	14	2	2	NUM
aijes-7159	139	15	18	18	NUM
aijes-7159	139	16	-	-	SYM
aijes-7159	139	17	30	30	NUM
aijes-7159	139	18	31	31	NUM
aijes-7159	139	19	-	-	SYM
aijes-7159	139	20	40	40	NUM
aijes-7159	139	21	41	41	NUM
aijes-7159	139	22	-	-	SYM
aijes-7159	139	23	50	50	NUM
aijes-7159	139	24	51	51	NUM
aijes-7159	139	25	-	-	SYM
aijes-7159	139	26	60	60	NUM
aijes-7159	139	27	>	>	SYM
aijes-7159	139	28	60	60	NUM
aijes-7159	139	29	use	use	NOUN
aijes-7159	139	30	of	of	ADP
aijes-7159	139	31	financial	financial	ADJ
aijes-7159	139	32	services	service	NOUN
aijes-7159	139	33	by	by	ADP
aijes-7159	139	34	the	the	DET
aijes-7159	139	35	interviewed	interview	VERB
aijes-7159	139	36	persons	person	NOUN
aijes-7159	139	37	.	.	PUNCT
aijes-7159	140	1	account	account	NOUN
aijes-7159	140	2	/	/	SYM
aijes-7159	140	3	deposit	deposit	NOUN
aijes-7159	140	4	debit	debit	NOUN
aijes-7159	140	5	card	card	NOUN
aijes-7159	140	6	credit	credit	NOUN
aijes-7159	140	7	card	card	NOUN
aijes-7159	140	8	41	41	NUM
aijes-7159	140	9	233	233	NUM
aijes-7159	140	10	183	183	NUM
aijes-7159	140	11	457	457	NUM
aijes-7159	140	12	38	38	NUM
aijes-7159	140	13	215	215	NUM
aijes-7159	140	14	168	168	NUM
aijes-7159	140	15	421	421	NUM
aijes-7159	140	16	28	28	NUM
aijes-7159	140	17	155	155	NUM
aijes-7159	140	18	120	120	NUM
aijes-7159	140	19	303	303	NUM
aijes-7159	140	20	high	high	ADJ
aijes-7159	140	21	school	school	NOUN
aijes-7159	140	22	bachelor	bachelor	NOUN
aijes-7159	140	23	's	's	PART
aijes-7159	140	24	degree	degree	NOUN
aijes-7159	140	25	master	master	NOUN
aijes-7159	140	26	's	's	PART
aijes-7159	140	27	degree	degree	NOUN
aijes-7159	140	28	number	number	NOUN
aijes-7159	140	29	of	of	ADP
aijes-7159	140	30	responses	response	NOUN
aijes-7159	140	31	financial	financial	ADJ
aijes-7159	140	32	product	product	NOUN
aijes-7159	140	33	ownership	ownership	NOUN
aijes-7159	140	34	by	by	ADP
aijes-7159	140	35	education	education	NOUN
aijes-7159	140	36	.	.	PUNCT
aijes-7159	141	1	account	account	NOUN
aijes-7159	141	2	/	/	SYM
aijes-7159	141	3	deposit	deposit	NOUN
aijes-7159	141	4	debit	debit	NOUN
aijes-7159	141	5	card	card	NOUN
aijes-7159	141	6	credit	credit	NOUN
aijes-7159	141	7	card	card	NOUN
aijes-7159	141	8	fabian	fabian	PROPN
aijes-7159	141	9	pjetri	pjetri	PROPN
aijes-7159	141	10	,	,	PUNCT
aijes-7159	141	11	leonard	leonard	PROPN
aijes-7159	141	12	boduri	boduri	PROPN
aijes-7159	141	13	,	,	PUNCT
aijes-7159	141	14	rezart	rezart	PROPN
aijes-7159	141	15	dibra	dibra	PROPN
aijes-7159	141	16	,	,	PUNCT
aijes-7159	141	17	ilirjan	ilirjan	PROPN
aijes-7159	141	18	cukaj	cukaj	NOUN
aijes-7159	141	19	289	289	NUM
aijes-7159	141	20	based	base	VERB
aijes-7159	141	21	on	on	ADP
aijes-7159	141	22	the	the	DET
aijes-7159	141	23	data	datum	NOUN
aijes-7159	141	24	processed	process	VERB
aijes-7159	141	25	by	by	ADP
aijes-7159	141	26	the	the	DET
aijes-7159	141	27	questionnaires	questionnaire	NOUN
aijes-7159	141	28	,	,	PUNCT
aijes-7159	141	29	we	we	PRON
aijes-7159	141	30	find	find	VERB
aijes-7159	141	31	that	that	SCONJ
aijes-7159	141	32	:	:	PUNCT
aijes-7159	141	33	most	most	ADJ
aijes-7159	141	34	of	of	ADP
aijes-7159	141	35	the	the	DET
aijes-7159	141	36	interviewees	interviewee	NOUN
aijes-7159	141	37	who	who	PRON
aijes-7159	141	38	have	have	VERB
aijes-7159	141	39	a	a	DET
aijes-7159	141	40	bank	bank	NOUN
aijes-7159	141	41	account	account	NOUN
aijes-7159	141	42	or	or	CCONJ
aijes-7159	141	43	deposit	deposit	NOUN
aijes-7159	141	44	number	number	NOUN
aijes-7159	141	45	are	be	AUX
aijes-7159	141	46	people	people	NOUN
aijes-7159	141	47	with	with	ADP
aijes-7159	141	48	a	a	DET
aijes-7159	141	49	bachelor	bachelor	NOUN
aijes-7159	141	50	's	's	PART
aijes-7159	141	51	degree	degree	NOUN
aijes-7159	141	52	,	,	PUNCT
aijes-7159	141	53	specifically	specifically	ADV
aijes-7159	141	54	we	we	PRON
aijes-7159	141	55	find	find	VERB
aijes-7159	141	56	that	that	SCONJ
aijes-7159	141	57	there	there	PRON
aijes-7159	141	58	are	be	VERB
aijes-7159	141	59	233	233	NUM
aijes-7159	141	60	individuals	individual	NOUN
aijes-7159	141	61	.	.	PUNCT
aijes-7159	142	1	while	while	SCONJ
aijes-7159	142	2	183	183	NUM
aijes-7159	142	3	individuals	individual	NOUN
aijes-7159	142	4	are	be	AUX
aijes-7159	142	5	persons	person	NOUN
aijes-7159	142	6	with	with	ADP
aijes-7159	142	7	a	a	DET
aijes-7159	142	8	master	master	NOUN
aijes-7159	142	9	's	's	PART
aijes-7159	142	10	degree	degree	NOUN
aijes-7159	142	11	and	and	CCONJ
aijes-7159	142	12	only	only	ADV
aijes-7159	142	13	41	41	NUM
aijes-7159	142	14	persons	person	NOUN
aijes-7159	142	15	from	from	ADP
aijes-7159	142	16	all	all	DET
aijes-7159	142	17	the	the	DET
aijes-7159	142	18	respondents	respondent	NOUN
aijes-7159	142	19	who	who	PRON
aijes-7159	142	20	have	have	VERB
aijes-7159	142	21	a	a	DET
aijes-7159	142	22	bank	bank	NOUN
aijes-7159	142	23	account	account	NOUN
aijes-7159	142	24	or	or	CCONJ
aijes-7159	142	25	deposit	deposit	NOUN
aijes-7159	142	26	have	have	VERB
aijes-7159	142	27	a	a	DET
aijes-7159	142	28	high	high	ADJ
aijes-7159	142	29	school	school	NOUN
aijes-7159	142	30	diploma	diploma	NOUN
aijes-7159	142	31	.	.	PUNCT
aijes-7159	143	1	based	base	VERB
aijes-7159	143	2	on	on	ADP
aijes-7159	143	3	the	the	DET
aijes-7159	143	4	graph	graph	NOUN
aijes-7159	143	5	above	above	ADV
aijes-7159	143	6	,	,	PUNCT
aijes-7159	143	7	we	we	PRON
aijes-7159	143	8	can	can	AUX
aijes-7159	143	9	say	say	VERB
aijes-7159	143	10	that	that	SCONJ
aijes-7159	143	11	the	the	PRON
aijes-7159	143	12	higher	high	ADJ
aijes-7159	143	13	the	the	DET
aijes-7159	143	14	level	level	NOUN
aijes-7159	143	15	of	of	ADP
aijes-7159	143	16	education	education	NOUN
aijes-7159	143	17	,	,	PUNCT
aijes-7159	143	18	the	the	PRON
aijes-7159	143	19	higher	high	ADJ
aijes-7159	143	20	the	the	DET
aijes-7159	143	21	claim	claim	NOUN
aijes-7159	143	22	of	of	ADP
aijes-7159	143	23	respondents	respondent	NOUN
aijes-7159	143	24	to	to	PART
aijes-7159	143	25	have	have	AUX
aijes-7159	143	26	a	a	DET
aijes-7159	143	27	bank	bank	NOUN
aijes-7159	143	28	account	account	NOUN
aijes-7159	143	29	or	or	CCONJ
aijes-7159	143	30	deposit	deposit	NOUN
aijes-7159	143	31	,	,	PUNCT
aijes-7159	143	32	on	on	ADP
aijes-7159	143	33	the	the	DET
aijes-7159	143	34	contrary	contrary	NOUN
aijes-7159	143	35	,	,	PUNCT
aijes-7159	143	36	such	such	DET
aijes-7159	143	37	a	a	DET
aijes-7159	143	38	percentage	percentage	NOUN
aijes-7159	143	39	is	be	AUX
aijes-7159	143	40	low	low	ADJ
aijes-7159	143	41	among	among	ADP
aijes-7159	143	42	respondents	respondent	NOUN
aijes-7159	143	43	with	with	ADP
aijes-7159	143	44	a	a	DET
aijes-7159	143	45	high	high	ADJ
aijes-7159	143	46	school	school	NOUN
aijes-7159	143	47	diploma	diploma	NOUN
aijes-7159	143	48	.	.	PUNCT
aijes-7159	144	1	figure	figure	NOUN
aijes-7159	144	2	4	4	NUM
aijes-7159	144	3	.	.	PUNCT
aijes-7159	145	1	satisfaction	satisfaction	NOUN
aijes-7159	145	2	with	with	ADP
aijes-7159	145	3	mobile	mobile	ADJ
aijes-7159	145	4	banking	banking	NOUN
aijes-7159	145	5	and	and	CCONJ
aijes-7159	145	6	payments	payment	NOUN
aijes-7159	145	7	.	.	PUNCT
aijes-7159	146	1	source	source	NOUN
aijes-7159	146	2	:	:	PUNCT
aijes-7159	146	3	data	datum	NOUN
aijes-7159	146	4	processed	process	VERB
aijes-7159	146	5	by	by	ADP
aijes-7159	146	6	the	the	DET
aijes-7159	146	7	authors	author	NOUN
aijes-7159	146	8	with	with	ADP
aijes-7159	146	9	microsoft	microsoft	PROPN
aijes-7159	146	10	excel	excel	PROPN
aijes-7159	146	11	program	program	NOUN
aijes-7159	146	12	(	(	PUNCT
aijes-7159	146	13	march	march	NOUN
aijes-7159	146	14	2025	2025	NUM
aijes-7159	146	15	)	)	PUNCT
aijes-7159	146	16	.	.	PUNCT
aijes-7159	147	1	based	base	VERB
aijes-7159	147	2	on	on	ADP
aijes-7159	147	3	the	the	DET
aijes-7159	147	4	answers	answer	NOUN
aijes-7159	147	5	received	receive	VERB
aijes-7159	147	6	from	from	ADP
aijes-7159	147	7	362	362	NUM
aijes-7159	147	8	people	people	NOUN
aijes-7159	147	9	regarding	regard	VERB
aijes-7159	147	10	the	the	DET
aijes-7159	147	11	level	level	NOUN
aijes-7159	147	12	of	of	ADP
aijes-7159	147	13	dissatisfaction	dissatisfaction	NOUN
aijes-7159	147	14	they	they	PRON
aijes-7159	147	15	have	have	VERB
aijes-7159	147	16	from	from	ADP
aijes-7159	147	17	using	use	VERB
aijes-7159	147	18	mobile	mobile	ADJ
aijes-7159	147	19	bank	bank	NOUN
aijes-7159	147	20	during	during	ADP
aijes-7159	147	21	the	the	DET
aijes-7159	147	22	last	last	ADJ
aijes-7159	147	23	12	12	NUM
aijes-7159	147	24	months	month	NOUN
aijes-7159	147	25	,	,	PUNCT
aijes-7159	147	26	it	it	PRON
aijes-7159	147	27	turns	turn	VERB
aijes-7159	147	28	out	out	ADP
aijes-7159	147	29	that	that	SCONJ
aijes-7159	147	30	152	152	NUM
aijes-7159	147	31	people	people	NOUN
aijes-7159	147	32	are	be	AUX
aijes-7159	147	33	very	very	ADV
aijes-7159	147	34	satisfied	satisfied	ADJ
aijes-7159	147	35	,	,	PUNCT
aijes-7159	147	36	100	100	NUM
aijes-7159	147	37	people	people	NOUN
aijes-7159	147	38	are	be	AUX
aijes-7159	147	39	somewhat	somewhat	ADV
aijes-7159	147	40	satisfied	satisfied	ADJ
aijes-7159	147	41	,	,	PUNCT
aijes-7159	147	42	89	89	NUM
aijes-7159	147	43	people	people	NOUN
aijes-7159	147	44	are	be	AUX
aijes-7159	147	45	indifferent	indifferent	ADJ
aijes-7159	147	46	about	about	ADP
aijes-7159	147	47	this	this	DET
aijes-7159	147	48	question	question	NOUN
aijes-7159	147	49	,	,	PUNCT
aijes-7159	147	50	13	13	NUM
aijes-7159	147	51	people	people	NOUN
aijes-7159	147	52	are	be	AUX
aijes-7159	147	53	somewhat	somewhat	ADV
aijes-7159	147	54	dissatisfied	dissatisfied	ADJ
aijes-7159	147	55	and	and	CCONJ
aijes-7159	147	56	8	8	NUM
aijes-7159	147	57	people	people	NOUN
aijes-7159	147	58	are	be	AUX
aijes-7159	147	59	very	very	ADV
aijes-7159	147	60	dissatisfied	dissatisfied	ADJ
aijes-7159	147	61	with	with	ADP
aijes-7159	147	62	this	this	PRON
aijes-7159	147	63	service.based	service.base	VERB
aijes-7159	147	64	on	on	ADP
aijes-7159	147	65	the	the	DET
aijes-7159	147	66	answers	answer	NOUN
aijes-7159	147	67	received	receive	VERB
aijes-7159	147	68	from	from	ADP
aijes-7159	147	69	340	340	NUM
aijes-7159	147	70	respondents	respondent	NOUN
aijes-7159	147	71	,	,	PUNCT
aijes-7159	147	72	the	the	DET
aijes-7159	147	73	latter	latter	ADJ
aijes-7159	147	74	claim	claim	NOUN
aijes-7159	147	75	that	that	SCONJ
aijes-7159	147	76	they	they	PRON
aijes-7159	147	77	have	have	AUX
aijes-7159	147	78	made	make	VERB
aijes-7159	147	79	a	a	DET
aijes-7159	147	80	payment	payment	NOUN
aijes-7159	147	81	transaction	transaction	NOUN
aijes-7159	147	82	via	via	ADP
aijes-7159	147	83	mobile	mobile	ADJ
aijes-7159	147	84	phone	phone	NOUN
aijes-7159	147	85	during	during	ADP
aijes-7159	147	86	12	12	NUM
aijes-7159	147	87	months	month	NOUN
aijes-7159	147	88	,	,	PUNCT
aijes-7159	147	89	it	it	PRON
aijes-7159	147	90	turns	turn	VERB
aijes-7159	147	91	out	out	ADP
aijes-7159	147	92	that	that	SCONJ
aijes-7159	147	93	126	126	NUM
aijes-7159	147	94	people	people	NOUN
aijes-7159	147	95	are	be	AUX
aijes-7159	147	96	very	very	ADV
aijes-7159	147	97	satisfied	satisfied	ADJ
aijes-7159	147	98	,	,	PUNCT
aijes-7159	147	99	99	99	NUM
aijes-7159	147	100	people	people	NOUN
aijes-7159	147	101	are	be	AUX
aijes-7159	147	102	somewhat	somewhat	ADV
aijes-7159	147	103	satisfied	satisfied	ADJ
aijes-7159	147	104	,	,	PUNCT
aijes-7159	147	105	90	90	NUM
aijes-7159	147	106	people	people	NOUN
aijes-7159	147	107	are	be	AUX
aijes-7159	147	108	indifferent	indifferent	ADJ
aijes-7159	147	109	about	about	ADP
aijes-7159	147	110	this	this	DET
aijes-7159	147	111	question	question	NOUN
aijes-7159	147	112	,	,	PUNCT
aijes-7159	147	113	24	24	NUM
aijes-7159	147	114	people	people	NOUN
aijes-7159	147	115	are	be	AUX
aijes-7159	147	116	somewhat	somewhat	ADV
aijes-7159	147	117	dissatisfied	dissatisfied	ADJ
aijes-7159	147	118	and	and	CCONJ
aijes-7159	147	119	1	1	NUM
aijes-7159	147	120	person	person	NOUN
aijes-7159	147	121	is	be	AUX
aijes-7159	147	122	very	very	ADV
aijes-7159	147	123	dissatisfied	dissatisfied	ADJ
aijes-7159	147	124	with	with	ADP
aijes-7159	147	125	this	this	DET
aijes-7159	147	126	service	service	NOUN
aijes-7159	147	127	.	.	PUNCT
aijes-7159	148	1	figure	figure	NOUN
aijes-7159	148	2	5	5	NUM
aijes-7159	148	3	.	.	PUNCT
aijes-7159	148	4	online	online	ADJ
aijes-7159	148	5	shopping	shopping	NOUN
aijes-7159	148	6	behavior	behavior	PROPN
aijes-7159	148	7	.	.	PUNCT
aijes-7159	149	1	source	source	NOUN
aijes-7159	149	2	:	:	PUNCT
aijes-7159	149	3	data	datum	NOUN
aijes-7159	149	4	processed	process	VERB
aijes-7159	149	5	by	by	ADP
aijes-7159	149	6	the	the	DET
aijes-7159	149	7	authors	author	NOUN
aijes-7159	149	8	with	with	ADP
aijes-7159	149	9	microsoft	microsoft	PROPN
aijes-7159	149	10	excel	excel	PROPN
aijes-7159	149	11	program	program	NOUN
aijes-7159	149	12	(	(	PUNCT
aijes-7159	149	13	march	march	NOUN
aijes-7159	149	14	2025	2025	NUM
aijes-7159	149	15	)	)	PUNCT
aijes-7159	149	16	.	.	PUNCT
aijes-7159	150	1	152	152	NUM
aijes-7159	150	2	100	100	NUM
aijes-7159	150	3	89	89	NUM
aijes-7159	150	4	13	13	NUM
aijes-7159	150	5	8	8	NUM
aijes-7159	150	6	362	362	NUM
aijes-7159	150	7	126	126	NUM
aijes-7159	150	8	99	99	NUM
aijes-7159	150	9	90	90	NUM
aijes-7159	150	10	24	24	NUM
aijes-7159	150	11	1	1	NUM
aijes-7159	150	12	340	340	NUM
aijes-7159	150	13	very	very	ADV
aijes-7159	150	14	satisfactory	satisfactory	ADJ
aijes-7159	150	15	somewhat	somewhat	ADV
aijes-7159	150	16	satisfactory	satisfactory	ADJ
aijes-7159	150	17	indifferent	indifferent	ADJ
aijes-7159	150	18	somewhat	somewhat	ADV
aijes-7159	150	19	unsatisfactory	unsatisfactory	ADJ
aijes-7159	150	20	very	very	ADV
aijes-7159	150	21	unsatisfactory	unsatisfactory	ADJ
aijes-7159	150	22	total	total	ADJ
aijes-7159	150	23	satisfaction	satisfaction	NOUN
aijes-7159	150	24	with	with	ADP
aijes-7159	150	25	mobile	mobile	ADJ
aijes-7159	150	26	banking	banking	NOUN
aijes-7159	150	27	and	and	CCONJ
aijes-7159	150	28	payments	payment	NOUN
aijes-7159	150	29	.	.	PUNCT
aijes-7159	151	1	mobile	mobile	ADJ
aijes-7159	151	2	banking	banking	NOUN
aijes-7159	151	3	mobile	mobile	NOUN
aijes-7159	151	4	payments	payment	NOUN
aijes-7159	151	5	46.50	46.50	NUM
aijes-7159	151	6	%	%	NOUN
aijes-7159	151	7	32.30	32.30	NUM
aijes-7159	151	8	%	%	NOUN
aijes-7159	151	9	34.60	34.60	NUM
aijes-7159	151	10	%	%	NOUN
aijes-7159	151	11	82	82	NUM
aijes-7159	151	12	%	%	NOUN
aijes-7159	151	13	53.50	53.50	NUM
aijes-7159	151	14	%	%	NOUN
aijes-7159	151	15	67.70	67.70	NUM
aijes-7159	151	16	%	%	NOUN
aijes-7159	151	17	65.40	65.40	NUM
aijes-7159	151	18	%	%	NOUN
aijes-7159	151	19	18	18	NUM
aijes-7159	151	20	%	%	NOUN
aijes-7159	151	21	have	have	AUX
aijes-7159	151	22	we	we	PRON
aijes-7159	151	23	used	use	VERB
aijes-7159	151	24	a	a	DET
aijes-7159	151	25	smartphone	smartphone	NOUN
aijes-7159	151	26	to	to	PART
aijes-7159	151	27	shop	shop	VERB
aijes-7159	151	28	online	online	ADV
aijes-7159	151	29	?	?	PUNCT
aijes-7159	152	1	before	before	ADP
aijes-7159	152	2	making	make	VERB
aijes-7159	152	3	a	a	DET
aijes-7159	152	4	purchase	purchase	NOUN
aijes-7159	152	5	,	,	PUNCT
aijes-7159	152	6	you	you	PRON
aijes-7159	152	7	carefully	carefully	ADV
aijes-7159	152	8	check	check	VERB
aijes-7159	152	9	the	the	DET
aijes-7159	152	10	prices	price	NOUN
aijes-7159	152	11	online	online	ADV
aijes-7159	152	12	.	.	PUNCT
aijes-7159	153	1	before	before	ADP
aijes-7159	153	2	making	make	VERB
aijes-7159	153	3	a	a	DET
aijes-7159	153	4	purchase	purchase	NOUN
aijes-7159	153	5	,	,	PUNCT
aijes-7159	153	6	you	you	PRON
aijes-7159	153	7	check	check	VERB
aijes-7159	153	8	the	the	DET
aijes-7159	153	9	previous	previous	ADJ
aijes-7159	153	10	comments	comment	NOUN
aijes-7159	153	11	of	of	ADP
aijes-7159	153	12	individuals	individual	NOUN
aijes-7159	153	13	online	online	ADJ
aijes-7159	153	14	.	.	PUNCT
aijes-7159	154	1	have	have	AUX
aijes-7159	154	2	you	you	PRON
aijes-7159	154	3	ever	ever	ADV
aijes-7159	154	4	used	use	VERB
aijes-7159	154	5	a	a	DET
aijes-7159	154	6	qr	qr	NOUN
aijes-7159	154	7	barcode	barcode	NOUN
aijes-7159	154	8	scanning	scan	VERB
aijes-7159	154	9	application	application	NOUN
aijes-7159	154	10	on	on	ADP
aijes-7159	154	11	your	your	PRON
aijes-7159	154	12	phone	phone	NOUN
aijes-7159	154	13	.	.	PUNCT
aijes-7159	155	1	online	online	ADJ
aijes-7159	155	2	shopping	shopping	NOUN
aijes-7159	155	3	behavior	behavior	NOUN
aijes-7159	155	4	.	.	PUNCT
aijes-7159	156	1	yes	yes	INTJ
aijes-7159	156	2	no	no	DET
aijes-7159	156	3	technological	technological	ADJ
aijes-7159	156	4	finance	finance	NOUN
aijes-7159	156	5	(	(	PUNCT
aijes-7159	156	6	fintech	fintech	NOUN
aijes-7159	156	7	)	)	PUNCT
aijes-7159	156	8	and	and	CCONJ
aijes-7159	156	9	its	its	PRON
aijes-7159	156	10	performance	performance	NOUN
aijes-7159	156	11	in	in	ADP
aijes-7159	156	12	albania	albania	PROPN
aijes-7159	156	13	290	290	NUM
aijes-7159	156	14	the	the	DET
aijes-7159	156	15	use	use	NOUN
aijes-7159	156	16	of	of	ADP
aijes-7159	156	17	mobile	mobile	ADJ
aijes-7159	156	18	phones	phone	NOUN
aijes-7159	156	19	to	to	PART
aijes-7159	156	20	make	make	VERB
aijes-7159	156	21	online	online	ADJ
aijes-7159	156	22	purchases	purchase	NOUN
aijes-7159	156	23	is	be	AUX
aijes-7159	156	24	claimed	claim	VERB
aijes-7159	156	25	by	by	ADP
aijes-7159	156	26	about	about	ADV
aijes-7159	156	27	53.5	53.5	NUM
aijes-7159	156	28	%	%	NOUN
aijes-7159	156	29	of	of	ADP
aijes-7159	156	30	the	the	DET
aijes-7159	156	31	survey	survey	NOUN
aijes-7159	156	32	respondents	respondent	NOUN
aijes-7159	156	33	.	.	PUNCT
aijes-7159	157	1	on	on	ADP
aijes-7159	157	2	the	the	DET
aijes-7159	157	3	contrary	contrary	NOUN
aijes-7159	157	4	,	,	PUNCT
aijes-7159	157	5	about	about	ADV
aijes-7159	157	6	46.5	46.5	NUM
aijes-7159	157	7	%	%	NOUN
aijes-7159	157	8	claim	claim	NOUN
aijes-7159	157	9	that	that	SCONJ
aijes-7159	157	10	they	they	PRON
aijes-7159	157	11	do	do	AUX
aijes-7159	157	12	not	not	PART
aijes-7159	157	13	use	use	VERB
aijes-7159	157	14	online	online	ADJ
aijes-7159	157	15	shopping	shopping	NOUN
aijes-7159	157	16	.	.	PUNCT
aijes-7159	158	1	about	about	ADV
aijes-7159	158	2	67.7	67.7	NUM
aijes-7159	158	3	%	%	NOUN
aijes-7159	158	4	of	of	ADP
aijes-7159	158	5	respondents	respondent	NOUN
aijes-7159	158	6	claim	claim	VERB
aijes-7159	158	7	that	that	SCONJ
aijes-7159	158	8	they	they	PRON
aijes-7159	158	9	do	do	VERB
aijes-7159	158	10	online	online	ADJ
aijes-7159	158	11	price	price	NOUN
aijes-7159	158	12	comparisons	comparison	NOUN
aijes-7159	158	13	when	when	SCONJ
aijes-7159	158	14	making	make	VERB
aijes-7159	158	15	large	large	ADJ
aijes-7159	158	16	purchases	purchase	NOUN
aijes-7159	158	17	,	,	PUNCT
aijes-7159	158	18	and	and	CCONJ
aijes-7159	158	19	about	about	ADV
aijes-7159	158	20	65.4	65.4	NUM
aijes-7159	158	21	%	%	NOUN
aijes-7159	158	22	of	of	ADP
aijes-7159	158	23	them	they	PRON
aijes-7159	158	24	look	look	VERB
aijes-7159	158	25	at	at	ADP
aijes-7159	158	26	online	online	ADJ
aijes-7159	158	27	customer	customer	NOUN
aijes-7159	158	28	reviews	review	NOUN
aijes-7159	158	29	.	.	PUNCT
aijes-7159	159	1	despite	despite	SCONJ
aijes-7159	159	2	being	be	AUX
aijes-7159	159	3	relatively	relatively	ADV
aijes-7159	159	4	new	new	ADJ
aijes-7159	159	5	to	to	ADP
aijes-7159	159	6	albania	albania	PROPN
aijes-7159	159	7	,	,	PUNCT
aijes-7159	159	8	around	around	ADV
aijes-7159	159	9	18	18	NUM
aijes-7159	159	10	%	%	NOUN
aijes-7159	159	11	of	of	ADP
aijes-7159	159	12	respondents	respondent	NOUN
aijes-7159	159	13	claim	claim	VERB
aijes-7159	159	14	to	to	PART
aijes-7159	159	15	have	have	AUX
aijes-7159	159	16	used	use	VERB
aijes-7159	159	17	the	the	DET
aijes-7159	159	18	qr	qr	PROPN
aijes-7159	159	19	barcode	barcode	NOUN
aijes-7159	159	20	scanning	scanning	NOUN
aijes-7159	159	21	application	application	NOUN
aijes-7159	159	22	to	to	PART
aijes-7159	159	23	compare	compare	VERB
aijes-7159	159	24	prices	price	NOUN
aijes-7159	159	25	to	to	PART
aijes-7159	159	26	find	find	VERB
aijes-7159	159	27	the	the	DET
aijes-7159	159	28	best	good	ADJ
aijes-7159	159	29	deal	deal	NOUN
aijes-7159	159	30	.	.	PUNCT
aijes-7159	160	1	figure	figure	VERB
aijes-7159	160	2	6	6	NUM
aijes-7159	160	3	.	.	PUNCT
aijes-7159	161	1	the	the	DET
aijes-7159	161	2	influence	influence	NOUN
aijes-7159	161	3	of	of	ADP
aijes-7159	161	4	promotions	promotion	NOUN
aijes-7159	161	5	on	on	ADP
aijes-7159	161	6	the	the	DET
aijes-7159	161	7	behavior	behavior	NOUN
aijes-7159	161	8	of	of	ADP
aijes-7159	161	9	buyers	buyer	NOUN
aijes-7159	161	10	.	.	PUNCT
aijes-7159	162	1	source	source	NOUN
aijes-7159	162	2	:	:	PUNCT
aijes-7159	162	3	data	datum	NOUN
aijes-7159	162	4	processed	process	VERB
aijes-7159	162	5	by	by	ADP
aijes-7159	162	6	the	the	DET
aijes-7159	162	7	authors	author	NOUN
aijes-7159	162	8	with	with	ADP
aijes-7159	162	9	microsoft	microsoft	PROPN
aijes-7159	162	10	excel	excel	PROPN
aijes-7159	162	11	program	program	NOUN
aijes-7159	162	12	(	(	PUNCT
aijes-7159	162	13	march	march	NOUN
aijes-7159	162	14	2025	2025	NUM
aijes-7159	162	15	)	)	PUNCT
aijes-7159	162	16	.	.	PUNCT
aijes-7159	163	1	the	the	DET
aijes-7159	163	2	increased	increase	VERB
aijes-7159	163	3	use	use	NOUN
aijes-7159	163	4	of	of	ADP
aijes-7159	163	5	the	the	DET
aijes-7159	163	6	internet	internet	NOUN
aijes-7159	163	7	and	and	CCONJ
aijes-7159	163	8	mobile	mobile	ADJ
aijes-7159	163	9	phones	phone	NOUN
aijes-7159	163	10	has	have	AUX
aijes-7159	163	11	opened	open	VERB
aijes-7159	163	12	up	up	ADP
aijes-7159	163	13	new	new	ADJ
aijes-7159	163	14	opportunities	opportunity	NOUN
aijes-7159	163	15	for	for	SCONJ
aijes-7159	163	16	retailers	retailer	NOUN
aijes-7159	163	17	to	to	PART
aijes-7159	163	18	advertise	advertise	VERB
aijes-7159	163	19	and	and	CCONJ
aijes-7159	163	20	reach	reach	VERB
aijes-7159	163	21	potential	potential	ADJ
aijes-7159	163	22	customers	customer	NOUN
aijes-7159	163	23	at	at	ADP
aijes-7159	163	24	a	a	DET
aijes-7159	163	25	limited	limited	ADJ
aijes-7159	163	26	cost	cost	NOUN
aijes-7159	163	27	.	.	PUNCT
aijes-7159	164	1	about	about	ADV
aijes-7159	164	2	30.2	30.2	NUM
aijes-7159	164	3	%	%	NOUN
aijes-7159	164	4	of	of	ADP
aijes-7159	164	5	respondents	respondent	NOUN
aijes-7159	164	6	claim	claim	VERB
aijes-7159	164	7	to	to	PART
aijes-7159	164	8	have	have	AUX
aijes-7159	164	9	signed	sign	VERB
aijes-7159	164	10	up	up	ADP
aijes-7159	164	11	to	to	PART
aijes-7159	164	12	receive	receive	VERB
aijes-7159	164	13	coupons	coupon	NOUN
aijes-7159	164	14	or	or	CCONJ
aijes-7159	164	15	special	special	ADJ
aijes-7159	164	16	offers	offer	NOUN
aijes-7159	164	17	via	via	ADP
aijes-7159	164	18	e	e	NOUN
aijes-7159	164	19	-	-	NOUN
aijes-7159	164	20	mail	mail	NOUN
aijes-7159	164	21	from	from	ADP
aijes-7159	164	22	retail	retail	ADJ
aijes-7159	164	23	stores	store	NOUN
aijes-7159	164	24	in	in	ADP
aijes-7159	164	25	the	the	DET
aijes-7159	164	26	past	past	ADJ
aijes-7159	164	27	12	12	NUM
aijes-7159	164	28	months	month	NOUN
aijes-7159	164	29	.	.	PUNCT
aijes-7159	165	1	about	about	ADV
aijes-7159	165	2	31.6	31.6	NUM
aijes-7159	165	3	%	%	NOUN
aijes-7159	165	4	of	of	ADP
aijes-7159	165	5	them	they	PRON
aijes-7159	165	6	claim	claim	VERB
aijes-7159	165	7	to	to	PART
aijes-7159	165	8	have	have	AUX
aijes-7159	165	9	made	make	VERB
aijes-7159	165	10	a	a	DET
aijes-7159	165	11	purchase	purchase	NOUN
aijes-7159	165	12	because	because	SCONJ
aijes-7159	165	13	of	of	ADP
aijes-7159	165	14	these	these	DET
aijes-7159	165	15	coupons	coupon	NOUN
aijes-7159	165	16	or	or	CCONJ
aijes-7159	165	17	special	special	ADJ
aijes-7159	165	18	offers	offer	NOUN
aijes-7159	165	19	.	.	PUNCT
aijes-7159	166	1	additionally	additionally	ADV
aijes-7159	166	2	,	,	PUNCT
aijes-7159	166	3	about	about	ADV
aijes-7159	166	4	40	40	NUM
aijes-7159	166	5	%	%	NOUN
aijes-7159	166	6	of	of	ADP
aijes-7159	166	7	respondents	respondent	NOUN
aijes-7159	166	8	signed	sign	VERB
aijes-7159	166	9	up	up	ADP
aijes-7159	166	10	to	to	PART
aijes-7159	166	11	receive	receive	VERB
aijes-7159	166	12	coupons	coupon	NOUN
aijes-7159	166	13	or	or	CCONJ
aijes-7159	166	14	offers	offer	NOUN
aijes-7159	166	15	from	from	ADP
aijes-7159	166	16	the	the	DET
aijes-7159	166	17	website	website	NOUN
aijes-7159	166	18	,	,	PUNCT
aijes-7159	166	19	and	and	CCONJ
aijes-7159	166	20	about	about	ADV
aijes-7159	166	21	23.8	23.8	NUM
aijes-7159	166	22	%	%	NOUN
aijes-7159	166	23	of	of	ADP
aijes-7159	166	24	them	they	PRON
aijes-7159	166	25	took	take	VERB
aijes-7159	166	26	advantage	advantage	NOUN
aijes-7159	166	27	of	of	ADP
aijes-7159	166	28	these	these	DET
aijes-7159	166	29	promotions	promotion	NOUN
aijes-7159	166	30	.	.	PUNCT
aijes-7159	167	1	5	5	X
aijes-7159	167	2	.	.	X
aijes-7159	167	3	discussions	discussion	NOUN
aijes-7159	167	4	the	the	DET
aijes-7159	167	5	market	market	NOUN
aijes-7159	167	6	in	in	ADP
aijes-7159	167	7	which	which	PRON
aijes-7159	167	8	technological	technological	ADJ
aijes-7159	167	9	finance	finance	NOUN
aijes-7159	167	10	is	be	AUX
aijes-7159	167	11	a	a	DET
aijes-7159	167	12	part	part	NOUN
aijes-7159	167	13	,	,	PUNCT
aijes-7159	167	14	during	during	ADP
aijes-7159	167	15	these	these	DET
aijes-7159	167	16	years	year	NOUN
aijes-7159	167	17	,	,	PUNCT
aijes-7159	167	18	is	be	AUX
aijes-7159	167	19	expected	expect	VERB
aijes-7159	167	20	to	to	PART
aijes-7159	167	21	continue	continue	VERB
aijes-7159	167	22	growing	grow	VERB
aijes-7159	167	23	at	at	ADP
aijes-7159	167	24	an	an	DET
aijes-7159	167	25	accelerated	accelerated	ADJ
aijes-7159	167	26	rate	rate	NOUN
aijes-7159	167	27	,	,	PUNCT
aijes-7159	167	28	influenced	influence	VERB
aijes-7159	167	29	by	by	ADP
aijes-7159	167	30	continuous	continuous	ADJ
aijes-7159	167	31	technological	technological	ADJ
aijes-7159	167	32	developments	development	NOUN
aijes-7159	167	33	,	,	PUNCT
aijes-7159	167	34	consumer	consumer	NOUN
aijes-7159	167	35	behavior	behavior	NOUN
aijes-7159	167	36	and	and	CCONJ
aijes-7159	167	37	regulatory	regulatory	ADJ
aijes-7159	167	38	support	support	NOUN
aijes-7159	167	39	(	(	PUNCT
aijes-7159	167	40	statista	statista	NOUN
aijes-7159	167	41	,	,	PUNCT
aijes-7159	167	42	2025	2025	NUM
aijes-7159	167	43	)	)	PUNCT
aijes-7159	167	44	.	.	PUNCT
aijes-7159	168	1	the	the	DET
aijes-7159	168	2	platforms	platform	NOUN
aijes-7159	168	3	in	in	ADP
aijes-7159	168	4	which	which	PRON
aijes-7159	168	5	digital	digital	ADJ
aijes-7159	168	6	investments	investment	NOUN
aijes-7159	168	7	are	be	AUX
aijes-7159	168	8	made	make	VERB
aijes-7159	168	9	are	be	AUX
aijes-7159	168	10	expanding	expand	VERB
aijes-7159	168	11	during	during	ADP
aijes-7159	168	12	these	these	DET
aijes-7159	168	13	years	year	NOUN
aijes-7159	168	14	,	,	PUNCT
aijes-7159	168	15	with	with	ADP
aijes-7159	168	16	individuals	individual	NOUN
aijes-7159	168	17	and	and	CCONJ
aijes-7159	168	18	investors	investor	NOUN
aijes-7159	168	19	who	who	PRON
aijes-7159	168	20	are	be	AUX
aijes-7159	168	21	looking	look	VERB
aijes-7159	168	22	for	for	ADP
aijes-7159	168	23	potential	potential	ADJ
aijes-7159	168	24	options	option	NOUN
aijes-7159	168	25	to	to	PART
aijes-7159	168	26	make	make	VERB
aijes-7159	168	27	investments	investment	NOUN
aijes-7159	168	28	at	at	ADP
aijes-7159	168	29	low	low	ADJ
aijes-7159	168	30	costs	cost	NOUN
aijes-7159	168	31	.	.	PUNCT
aijes-7159	169	1	the	the	DET
aijes-7159	169	2	growth	growth	NOUN
aijes-7159	169	3	of	of	ADP
aijes-7159	169	4	digital	digital	ADJ
aijes-7159	169	5	assets	asset	NOUN
aijes-7159	169	6	such	such	ADJ
aijes-7159	169	7	as	as	ADP
aijes-7159	169	8	cryptocurrencies	cryptocurrencie	NOUN
aijes-7159	169	9	and	and	CCONJ
aijes-7159	169	10	nfts	nft	NOUN
aijes-7159	169	11	has	have	AUX
aijes-7159	169	12	also	also	ADV
aijes-7159	169	13	created	create	VERB
aijes-7159	169	14	new	new	ADJ
aijes-7159	169	15	opportunities	opportunity	NOUN
aijes-7159	169	16	for	for	ADP
aijes-7159	169	17	investors	investor	NOUN
aijes-7159	169	18	and	and	CCONJ
aijes-7159	169	19	traders	trader	NOUN
aijes-7159	169	20	.	.	PUNCT
aijes-7159	170	1	advances	advance	NOUN
aijes-7159	170	2	in	in	ADP
aijes-7159	170	3	technology	technology	NOUN
aijes-7159	170	4	,	,	PUNCT
aijes-7159	170	5	such	such	ADJ
aijes-7159	170	6	as	as	ADP
aijes-7159	170	7	ai	ai	PROPN
aijes-7159	170	8	and	and	CCONJ
aijes-7159	170	9	blockchain	blockchain	PROPN
aijes-7159	170	10	,	,	PUNCT
aijes-7159	170	11	have	have	AUX
aijes-7159	170	12	opened	open	VERB
aijes-7159	170	13	up	up	ADP
aijes-7159	170	14	new	new	ADJ
aijes-7159	170	15	opportunities	opportunity	NOUN
aijes-7159	170	16	for	for	ADP
aijes-7159	170	17	fintech	fintech	NOUN
aijes-7159	170	18	innovation	innovation	NOUN
aijes-7159	170	19	,	,	PUNCT
aijes-7159	170	20	driving	drive	VERB
aijes-7159	170	21	further	further	ADJ
aijes-7159	170	22	growth	growth	NOUN
aijes-7159	170	23	in	in	ADP
aijes-7159	170	24	the	the	DET
aijes-7159	170	25	market	market	NOUN
aijes-7159	170	26	.	.	PUNCT
aijes-7159	171	1	digital	digital	ADJ
aijes-7159	171	2	investment	investment	NOUN
aijes-7159	171	3	platforms	platform	NOUN
aijes-7159	171	4	are	be	AUX
aijes-7159	171	5	also	also	ADV
aijes-7159	171	6	expected	expect	VERB
aijes-7159	171	7	to	to	PART
aijes-7159	171	8	grow	grow	VERB
aijes-7159	171	9	in	in	ADP
aijes-7159	171	10	popularity	popularity	NOUN
aijes-7159	171	11	as	as	SCONJ
aijes-7159	171	12	more	more	ADJ
aijes-7159	171	13	individuals	individual	NOUN
aijes-7159	171	14	seek	seek	VERB
aijes-7159	171	15	to	to	PART
aijes-7159	171	16	manage	manage	VERB
aijes-7159	171	17	their	their	PRON
aijes-7159	171	18	finances	finance	NOUN
aijes-7159	171	19	online	online	ADV
aijes-7159	171	20	(	(	PUNCT
aijes-7159	171	21	statista	statista	NOUN
aijes-7159	171	22	,	,	PUNCT
aijes-7159	171	23	2024	2024	NUM
aijes-7159	171	24	)	)	PUNCT
aijes-7159	171	25	.	.	PUNCT
aijes-7159	172	1	69.80	69.80	NUM
aijes-7159	172	2	%	%	NOUN
aijes-7159	172	3	68.40	68.40	NUM
aijes-7159	172	4	%	%	NOUN
aijes-7159	172	5	60	60	NUM
aijes-7159	172	6	%	%	NOUN
aijes-7159	172	7	76.20	76.20	NUM
aijes-7159	172	8	%	%	NOUN
aijes-7159	172	9	30.20	30.20	NUM
aijes-7159	172	10	%	%	NOUN
aijes-7159	172	11	31.60	31.60	NUM
aijes-7159	172	12	%	%	NOUN
aijes-7159	172	13	40	40	NUM
aijes-7159	172	14	%	%	NOUN
aijes-7159	172	15	23.80	23.80	NUM
aijes-7159	172	16	%	%	NOUN
aijes-7159	172	17	you	you	PRON
aijes-7159	172	18	have	have	AUX
aijes-7159	172	19	registered	register	VERB
aijes-7159	172	20	to	to	PART
aijes-7159	172	21	receive	receive	VERB
aijes-7159	172	22	coupons	coupon	NOUN
aijes-7159	172	23	or	or	CCONJ
aijes-7159	172	24	offers	offer	NOUN
aijes-7159	172	25	by	by	ADP
aijes-7159	172	26	email	email	NOUN
aijes-7159	172	27	from	from	ADP
aijes-7159	172	28	stores	store	NOUN
aijes-7159	172	29	in	in	ADP
aijes-7159	172	30	the	the	DET
aijes-7159	172	31	last	last	ADJ
aijes-7159	172	32	12	12	NUM
aijes-7159	172	33	months	month	NOUN
aijes-7159	172	34	.	.	PUNCT
aijes-7159	173	1	you	you	PRON
aijes-7159	173	2	have	have	AUX
aijes-7159	173	3	made	make	VERB
aijes-7159	173	4	purchases	purchase	NOUN
aijes-7159	173	5	as	as	ADP
aijes-7159	173	6	a	a	DET
aijes-7159	173	7	result	result	NOUN
aijes-7159	173	8	of	of	ADP
aijes-7159	173	9	receiving	receive	VERB
aijes-7159	173	10	coupons	coupon	NOUN
aijes-7159	173	11	or	or	CCONJ
aijes-7159	173	12	special	special	ADJ
aijes-7159	173	13	offers	offer	NOUN
aijes-7159	173	14	.	.	PUNCT
aijes-7159	174	1	you	you	PRON
aijes-7159	174	2	are	be	AUX
aijes-7159	174	3	registered	register	VERB
aijes-7159	174	4	to	to	PART
aijes-7159	174	5	receive	receive	VERB
aijes-7159	174	6	coupons	coupon	NOUN
aijes-7159	174	7	or	or	CCONJ
aijes-7159	174	8	offers	offer	NOUN
aijes-7159	174	9	from	from	ADP
aijes-7159	174	10	various	various	ADJ
aijes-7159	174	11	web	web	NOUN
aijes-7159	174	12	pages	page	NOUN
aijes-7159	174	13	.	.	PUNCT
aijes-7159	175	1	you	you	PRON
aijes-7159	175	2	have	have	AUX
aijes-7159	175	3	previously	previously	ADV
aijes-7159	175	4	used	use	VERB
aijes-7159	175	5	a	a	DET
aijes-7159	175	6	coupon	coupon	NOUN
aijes-7159	175	7	from	from	ADP
aijes-7159	175	8	an	an	DET
aijes-7159	175	9	internet	internet	NOUN
aijes-7159	175	10	site	site	NOUN
aijes-7159	175	11	.	.	PUNCT
aijes-7159	176	1	the	the	DET
aijes-7159	176	2	influence	influence	NOUN
aijes-7159	176	3	of	of	ADP
aijes-7159	176	4	promotions	promotion	NOUN
aijes-7159	176	5	on	on	ADP
aijes-7159	176	6	the	the	DET
aijes-7159	176	7	behavior	behavior	NOUN
aijes-7159	176	8	of	of	ADP
aijes-7159	176	9	buyers	buyer	NOUN
aijes-7159	176	10	.	.	PUNCT
aijes-7159	177	1	yes	yes	INTJ
aijes-7159	178	1	no	no	DET
aijes-7159	178	2	fabian	fabian	PROPN
aijes-7159	178	3	pjetri	pjetri	PROPN
aijes-7159	178	4	,	,	PUNCT
aijes-7159	178	5	leonard	leonard	PROPN
aijes-7159	178	6	boduri	boduri	PROPN
aijes-7159	178	7	,	,	PUNCT
aijes-7159	178	8	rezart	rezart	PROPN
aijes-7159	178	9	dibra	dibra	PROPN
aijes-7159	178	10	,	,	PUNCT
aijes-7159	178	11	ilirjan	ilirjan	PROPN
aijes-7159	178	12	cukaj	cukaj	NOUN
aijes-7159	178	13	291	291	NUM
aijes-7159	178	14	the	the	DET
aijes-7159	178	15	growth	growth	NOUN
aijes-7159	178	16	of	of	ADP
aijes-7159	178	17	digital	digital	ADJ
aijes-7159	178	18	assets	asset	NOUN
aijes-7159	178	19	and	and	CCONJ
aijes-7159	178	20	neobanking	neobanking	NOUN
aijes-7159	178	21	has	have	VERB
aijes-7159	178	22	a	a	DET
aijes-7159	178	23	tendency	tendency	NOUN
aijes-7159	178	24	to	to	PART
aijes-7159	178	25	continue	continue	VERB
aijes-7159	178	26	.	.	PUNCT
aijes-7159	179	1	in	in	ADP
aijes-7159	179	2	general	general	ADJ
aijes-7159	179	3	,	,	PUNCT
aijes-7159	179	4	we	we	PRON
aijes-7159	179	5	can	can	AUX
aijes-7159	179	6	say	say	VERB
aijes-7159	179	7	that	that	SCONJ
aijes-7159	179	8	the	the	DET
aijes-7159	179	9	market	market	NOUN
aijes-7159	179	10	in	in	ADP
aijes-7159	179	11	which	which	PRON
aijes-7159	179	12	fintech	fintech	NOUN
aijes-7159	179	13	is	be	AUX
aijes-7159	179	14	part	part	NOUN
aijes-7159	179	15	,	,	PUNCT
aijes-7159	179	16	has	have	VERB
aijes-7159	179	17	a	a	DET
aijes-7159	179	18	tendency	tendency	NOUN
aijes-7159	179	19	to	to	PART
aijes-7159	179	20	grow	grow	VERB
aijes-7159	179	21	,	,	PUNCT
aijes-7159	179	22	influenced	influence	VERB
aijes-7159	179	23	by	by	ADP
aijes-7159	179	24	technological	technological	ADJ
aijes-7159	179	25	developments	development	NOUN
aijes-7159	179	26	.	.	PUNCT
aijes-7159	180	1	in	in	ADP
aijes-7159	180	2	albania	albania	PROPN
aijes-7159	180	3	,	,	PUNCT
aijes-7159	180	4	there	there	PRON
aijes-7159	180	5	is	be	VERB
aijes-7159	180	6	a	a	DET
aijes-7159	180	7	need	need	NOUN
aijes-7159	180	8	for	for	ADP
aijes-7159	180	9	a	a	DET
aijes-7159	180	10	more	more	ADV
aijes-7159	180	11	complete	complete	ADJ
aijes-7159	180	12	regulation	regulation	NOUN
aijes-7159	180	13	in	in	ADP
aijes-7159	180	14	relation	relation	NOUN
aijes-7159	180	15	to	to	ADP
aijes-7159	180	16	legal	legal	ADJ
aijes-7159	180	17	acts	act	NOUN
aijes-7159	180	18	and	and	CCONJ
aijes-7159	180	19	the	the	DET
aijes-7159	180	20	implementation	implementation	NOUN
aijes-7159	180	21	of	of	ADP
aijes-7159	180	22	fintech	fintech	NOUN
aijes-7159	180	23	,	,	PUNCT
aijes-7159	180	24	especially	especially	ADV
aijes-7159	180	25	in	in	ADP
aijes-7159	180	26	the	the	DET
aijes-7159	180	27	payments	payment	NOUN
aijes-7159	180	28	sector	sector	NOUN
aijes-7159	180	29	.	.	PUNCT
aijes-7159	181	1	in	in	ADP
aijes-7159	181	2	albania	albania	PROPN
aijes-7159	181	3	,	,	PUNCT
aijes-7159	181	4	there	there	PRON
aijes-7159	181	5	is	be	VERB
aijes-7159	181	6	a	a	DET
aijes-7159	181	7	need	need	NOUN
aijes-7159	181	8	for	for	ADP
aijes-7159	181	9	a	a	DET
aijes-7159	181	10	more	more	ADV
aijes-7159	181	11	complete	complete	ADJ
aijes-7159	181	12	regulation	regulation	NOUN
aijes-7159	181	13	regarding	regard	VERB
aijes-7159	181	14	legal	legal	ADJ
aijes-7159	181	15	acts	act	NOUN
aijes-7159	181	16	and	and	CCONJ
aijes-7159	181	17	the	the	DET
aijes-7159	181	18	implementation	implementation	NOUN
aijes-7159	181	19	and	and	CCONJ
aijes-7159	181	20	support	support	NOUN
aijes-7159	181	21	of	of	ADP
aijes-7159	181	22	fintech	fintech	NOUN
aijes-7159	181	23	especially	especially	ADV
aijes-7159	181	24	in	in	ADP
aijes-7159	181	25	the	the	DET
aijes-7159	181	26	payments	payment	NOUN
aijes-7159	181	27	sector	sector	NOUN
aijes-7159	181	28	.	.	PUNCT
aijes-7159	182	1	this	this	DET
aijes-7159	182	2	development	development	NOUN
aijes-7159	182	3	would	would	AUX
aijes-7159	182	4	contribute	contribute	VERB
aijes-7159	182	5	to	to	ADP
aijes-7159	182	6	reducing	reduce	VERB
aijes-7159	182	7	the	the	DET
aijes-7159	182	8	informal	informal	ADJ
aijes-7159	182	9	economy	economy	NOUN
aijes-7159	182	10	and	and	CCONJ
aijes-7159	182	11	opening	opening	NOUN
aijes-7159	182	12	up	up	ADP
aijes-7159	182	13	new	new	ADJ
aijes-7159	182	14	opportunities	opportunity	NOUN
aijes-7159	182	15	,	,	PUNCT
aijes-7159	182	16	especially	especially	ADV
aijes-7159	182	17	for	for	ADP
aijes-7159	182	18	the	the	DET
aijes-7159	182	19	economic	economic	ADJ
aijes-7159	182	20	subjects	subject	NOUN
aijes-7159	182	21	of	of	ADP
aijes-7159	182	22	the	the	DET
aijes-7159	182	23	innovative	innovative	ADJ
aijes-7159	182	24	spectrum	spectrum	NOUN
aijes-7159	182	25	.	.	PUNCT
aijes-7159	183	1	market	market	NOUN
aijes-7159	183	2	participants	participant	NOUN
aijes-7159	183	3	can	can	AUX
aijes-7159	183	4	dedicate	dedicate	VERB
aijes-7159	183	5	resources	resource	NOUN
aijes-7159	183	6	to	to	PART
aijes-7159	183	7	improve	improve	VERB
aijes-7159	183	8	financial	financial	ADJ
aijes-7159	183	9	education	education	NOUN
aijes-7159	183	10	and	and	CCONJ
aijes-7159	183	11	financial	financial	ADJ
aijes-7159	183	12	inclusion	inclusion	NOUN
aijes-7159	183	13	and	and	CCONJ
aijes-7159	183	14	actively	actively	ADV
aijes-7159	183	15	participate	participate	VERB
aijes-7159	183	16	in	in	ADP
aijes-7159	183	17	ongoing	ongoing	ADJ
aijes-7159	183	18	engagements	engagement	NOUN
aijes-7159	183	19	driven	drive	VERB
aijes-7159	183	20	by	by	ADP
aijes-7159	183	21	national	national	ADJ
aijes-7159	183	22	financial	financial	ADJ
aijes-7159	183	23	education	education	NOUN
aijes-7159	183	24	policies	policy	NOUN
aijes-7159	183	25	.	.	PUNCT
aijes-7159	184	1	more	more	ADJ
aijes-7159	184	2	investment	investment	NOUN
aijes-7159	184	3	is	be	AUX
aijes-7159	184	4	needed	need	VERB
aijes-7159	184	5	in	in	ADP
aijes-7159	184	6	consumer	consumer	NOUN
aijes-7159	184	7	protection	protection	NOUN
aijes-7159	184	8	,	,	PUNCT
aijes-7159	184	9	information	information	NOUN
aijes-7159	184	10	and	and	CCONJ
aijes-7159	184	11	transparency	transparency	NOUN
aijes-7159	184	12	on	on	ADP
aijes-7159	184	13	the	the	DET
aijes-7159	184	14	conditions	condition	NOUN
aijes-7159	184	15	involved	involve	VERB
aijes-7159	184	16	in	in	ADP
aijes-7159	184	17	financial	financial	ADJ
aijes-7159	184	18	products	product	NOUN
aijes-7159	184	19	and	and	CCONJ
aijes-7159	184	20	services	service	NOUN
aijes-7159	184	21	.	.	PUNCT
aijes-7159	185	1	the	the	DET
aijes-7159	185	2	information	information	NOUN
aijes-7159	185	3	must	must	AUX
aijes-7159	185	4	be	be	AUX
aijes-7159	185	5	processed	process	VERB
aijes-7159	185	6	and	and	CCONJ
aijes-7159	185	7	delivered	deliver	VERB
aijes-7159	185	8	in	in	ADP
aijes-7159	185	9	such	such	DET
aijes-7159	185	10	a	a	DET
aijes-7159	185	11	way	way	NOUN
aijes-7159	185	12	that	that	PRON
aijes-7159	185	13	it	it	PRON
aijes-7159	185	14	is	be	AUX
aijes-7159	185	15	easily	easily	ADV
aijes-7159	185	16	understood	understand	VERB
aijes-7159	185	17	by	by	ADP
aijes-7159	185	18	the	the	DET
aijes-7159	185	19	general	general	ADJ
aijes-7159	185	20	public	public	NOUN
aijes-7159	185	21	.	.	PUNCT
aijes-7159	186	1	the	the	DET
aijes-7159	186	2	banking	banking	NOUN
aijes-7159	186	3	system	system	NOUN
aijes-7159	186	4	in	in	ADP
aijes-7159	186	5	albania	albania	PROPN
aijes-7159	186	6	,	,	PUNCT
aijes-7159	186	7	which	which	PRON
aijes-7159	186	8	comprises	comprise	VERB
aijes-7159	186	9	about	about	ADV
aijes-7159	186	10	90	90	NUM
aijes-7159	186	11	%	%	NOUN
aijes-7159	186	12	of	of	ADP
aijes-7159	186	13	the	the	DET
aijes-7159	186	14	total	total	ADJ
aijes-7159	186	15	financial	financial	ADJ
aijes-7159	186	16	system	system	NOUN
aijes-7159	186	17	of	of	ADP
aijes-7159	186	18	our	our	PRON
aijes-7159	186	19	country	country	NOUN
aijes-7159	186	20	,	,	PUNCT
aijes-7159	186	21	should	should	AUX
aijes-7159	186	22	play	play	VERB
aijes-7159	186	23	a	a	DET
aijes-7159	186	24	bigger	big	ADJ
aijes-7159	186	25	and	and	CCONJ
aijes-7159	186	26	more	more	ADV
aijes-7159	186	27	important	important	ADJ
aijes-7159	186	28	role	role	NOUN
aijes-7159	186	29	,	,	PUNCT
aijes-7159	186	30	especially	especially	ADV
aijes-7159	186	31	in	in	ADP
aijes-7159	186	32	diversifying	diversify	VERB
aijes-7159	186	33	their	their	PRON
aijes-7159	186	34	portfolio	portfolio	NOUN
aijes-7159	186	35	by	by	ADP
aijes-7159	186	36	increasing	increase	VERB
aijes-7159	186	37	investments	investment	NOUN
aijes-7159	186	38	,	,	PUNCT
aijes-7159	186	39	especially	especially	ADV
aijes-7159	186	40	in	in	ADP
aijes-7159	186	41	the	the	DET
aijes-7159	186	42	capital	capital	NOUN
aijes-7159	186	43	markets	market	NOUN
aijes-7159	186	44	and	and	CCONJ
aijes-7159	186	45	more	more	ADV
aijes-7159	186	46	widely	widely	ADV
aijes-7159	186	47	.	.	PUNCT
aijes-7159	187	1	the	the	DET
aijes-7159	187	2	bank	bank	PROPN
aijes-7159	187	3	of	of	ADP
aijes-7159	187	4	albania	albania	PROPN
aijes-7159	187	5	in	in	ADP
aijes-7159	187	6	cooperation	cooperation	NOUN
aijes-7159	187	7	with	with	ADP
aijes-7159	187	8	the	the	DET
aijes-7159	187	9	albanian	albanian	ADJ
aijes-7159	187	10	state	state	NOUN
aijes-7159	187	11	and	and	CCONJ
aijes-7159	187	12	the	the	DET
aijes-7159	187	13	financial	financial	ADJ
aijes-7159	187	14	supervisory	supervisory	ADJ
aijes-7159	187	15	authority	authority	NOUN
aijes-7159	187	16	should	should	AUX
aijes-7159	187	17	have	have	VERB
aijes-7159	187	18	a	a	DET
aijes-7159	187	19	higher	high	ADJ
aijes-7159	187	20	level	level	NOUN
aijes-7159	187	21	of	of	ADP
aijes-7159	187	22	focus	focus	NOUN
aijes-7159	187	23	,	,	PUNCT
aijes-7159	187	24	especially	especially	ADV
aijes-7159	187	25	on	on	ADP
aijes-7159	187	26	the	the	DET
aijes-7159	187	27	diversification	diversification	NOUN
aijes-7159	187	28	of	of	ADP
aijes-7159	187	29	financial	financial	ADJ
aijes-7159	187	30	instruments	instrument	NOUN
aijes-7159	187	31	present	present	ADJ
aijes-7159	187	32	in	in	ADP
aijes-7159	187	33	the	the	DET
aijes-7159	187	34	financial	financial	ADJ
aijes-7159	187	35	and	and	CCONJ
aijes-7159	187	36	capital	capital	NOUN
aijes-7159	187	37	markets	market	NOUN
aijes-7159	187	38	.	.	PUNCT
aijes-7159	188	1	these	these	DET
aijes-7159	188	2	interventions	intervention	NOUN
aijes-7159	188	3	can	can	AUX
aijes-7159	188	4	attract	attract	VERB
aijes-7159	188	5	a	a	DET
aijes-7159	188	6	variety	variety	NOUN
aijes-7159	188	7	of	of	ADP
aijes-7159	188	8	potential	potential	ADJ
aijes-7159	188	9	investors	investor	NOUN
aijes-7159	188	10	at	at	ADP
aijes-7159	188	11	the	the	DET
aijes-7159	188	12	international	international	ADJ
aijes-7159	188	13	and	and	CCONJ
aijes-7159	188	14	national	national	ADJ
aijes-7159	188	15	level	level	NOUN
aijes-7159	188	16	who	who	PRON
aijes-7159	188	17	,	,	PUNCT
aijes-7159	188	18	through	through	ADP
aijes-7159	188	19	their	their	PRON
aijes-7159	188	20	investments	investment	NOUN
aijes-7159	188	21	,	,	PUNCT
aijes-7159	188	22	will	will	AUX
aijes-7159	188	23	affect	affect	VERB
aijes-7159	188	24	the	the	DET
aijes-7159	188	25	growth	growth	NOUN
aijes-7159	188	26	and	and	CCONJ
aijes-7159	188	27	expansion	expansion	NOUN
aijes-7159	188	28	of	of	ADP
aijes-7159	188	29	the	the	DET
aijes-7159	188	30	market	market	NOUN
aijes-7159	188	31	.	.	PUNCT
aijes-7159	189	1	a	a	DET
aijes-7159	189	2	similar	similar	ADJ
aijes-7159	189	3	situation	situation	NOUN
aijes-7159	189	4	is	be	AUX
aijes-7159	189	5	also	also	ADV
aijes-7159	189	6	presented	present	VERB
aijes-7159	189	7	in	in	ADP
aijes-7159	189	8	the	the	DET
aijes-7159	189	9	work	work	NOUN
aijes-7159	189	10	carried	carry	VERB
aijes-7159	189	11	out	out	ADP
aijes-7159	189	12	by	by	ADP
aijes-7159	189	13	natia	natia	PROPN
aijes-7159	189	14	surmanidze	surmanidze	PROPN
aijes-7159	189	15	regarding	regard	VERB
aijes-7159	189	16	the	the	DET
aijes-7159	189	17	state	state	NOUN
aijes-7159	189	18	of	of	ADP
aijes-7159	189	19	georgia	georgia	PROPN
aijes-7159	189	20	(	(	PUNCT
aijes-7159	189	21	surmanidze	surmanidze	PROPN
aijes-7159	189	22	,	,	PUNCT
aijes-7159	189	23	2023	2023	NUM
aijes-7159	189	24	)	)	PUNCT
aijes-7159	189	25	.	.	PUNCT
aijes-7159	190	1	all	all	DET
aijes-7159	190	2	economic	economic	ADJ
aijes-7159	190	3	entities	entity	NOUN
aijes-7159	190	4	involved	involve	VERB
aijes-7159	190	5	in	in	ADP
aijes-7159	190	6	or	or	CCONJ
aijes-7159	190	7	interested	interested	ADJ
aijes-7159	190	8	in	in	ADP
aijes-7159	190	9	the	the	DET
aijes-7159	190	10	market	market	NOUN
aijes-7159	190	11	in	in	ADP
aijes-7159	190	12	albania	albania	PROPN
aijes-7159	190	13	should	should	AUX
aijes-7159	190	14	focus	focus	VERB
aijes-7159	190	15	particularly	particularly	ADV
aijes-7159	190	16	on	on	ADP
aijes-7159	190	17	comprehensive	comprehensive	ADJ
aijes-7159	190	18	initiatives	initiative	NOUN
aijes-7159	190	19	related	relate	VERB
aijes-7159	190	20	to	to	ADP
aijes-7159	190	21	financial	financial	ADJ
aijes-7159	190	22	education	education	NOUN
aijes-7159	190	23	.	.	PUNCT
aijes-7159	191	1	in	in	ADP
aijes-7159	191	2	the	the	DET
aijes-7159	191	3	current	current	ADJ
aijes-7159	191	4	reality	reality	NOUN
aijes-7159	191	5	of	of	ADP
aijes-7159	191	6	our	our	PRON
aijes-7159	191	7	country	country	NOUN
aijes-7159	191	8	,	,	PUNCT
aijes-7159	191	9	the	the	DET
aijes-7159	191	10	main	main	ADJ
aijes-7159	191	11	fintech	fintech	NOUN
aijes-7159	191	12	products	product	NOUN
aijes-7159	191	13	are	be	AUX
aijes-7159	191	14	mainly	mainly	ADV
aijes-7159	191	15	offered	offer	VERB
aijes-7159	191	16	by	by	ADP
aijes-7159	191	17	the	the	DET
aijes-7159	191	18	banking	banking	NOUN
aijes-7159	191	19	sector	sector	NOUN
aijes-7159	191	20	.	.	PUNCT
aijes-7159	192	1	greater	great	ADJ
aijes-7159	192	2	investments	investment	NOUN
aijes-7159	192	3	are	be	AUX
aijes-7159	192	4	needed	need	VERB
aijes-7159	192	5	in	in	ADP
aijes-7159	192	6	protecting	protect	VERB
aijes-7159	192	7	consumer	consumer	NOUN
aijes-7159	192	8	privacy	privacy	NOUN
aijes-7159	192	9	,	,	PUNCT
aijes-7159	192	10	increasing	increase	VERB
aijes-7159	192	11	the	the	DET
aijes-7159	192	12	level	level	NOUN
aijes-7159	192	13	of	of	ADP
aijes-7159	192	14	transparency	transparency	NOUN
aijes-7159	192	15	for	for	ADP
aijes-7159	192	16	the	the	DET
aijes-7159	192	17	public	public	NOUN
aijes-7159	192	18	regarding	regard	VERB
aijes-7159	192	19	the	the	DET
aijes-7159	192	20	financial	financial	ADJ
aijes-7159	192	21	products	product	NOUN
aijes-7159	192	22	offered	offer	VERB
aijes-7159	192	23	.	.	PUNCT
aijes-7159	193	1	in	in	ADP
aijes-7159	193	2	conclusion	conclusion	NOUN
aijes-7159	193	3	,	,	PUNCT
aijes-7159	193	4	we	we	PRON
aijes-7159	193	5	can	can	AUX
aijes-7159	193	6	say	say	VERB
aijes-7159	193	7	that	that	SCONJ
aijes-7159	193	8	the	the	DET
aijes-7159	193	9	industry	industry	NOUN
aijes-7159	193	10	in	in	ADP
aijes-7159	193	11	which	which	PRON
aijes-7159	193	12	financial	financial	ADJ
aijes-7159	193	13	technology	technology	NOUN
aijes-7159	193	14	(	(	PUNCT
aijes-7159	193	15	fintech	fintech	NOUN
aijes-7159	193	16	)	)	PUNCT
aijes-7159	193	17	is	be	AUX
aijes-7159	193	18	part	part	NOUN
aijes-7159	193	19	,	,	PUNCT
aijes-7159	193	20	has	have	VERB
aijes-7159	193	21	a	a	DET
aijes-7159	193	22	great	great	ADJ
aijes-7159	193	23	potential	potential	NOUN
aijes-7159	193	24	for	for	ADP
aijes-7159	193	25	sustainable	sustainable	ADJ
aijes-7159	193	26	growth	growth	NOUN
aijes-7159	193	27	both	both	CCONJ
aijes-7159	193	28	at	at	ADP
aijes-7159	193	29	the	the	DET
aijes-7159	193	30	international	international	ADJ
aijes-7159	193	31	level	level	NOUN
aijes-7159	193	32	and	and	CCONJ
aijes-7159	193	33	at	at	ADP
aijes-7159	193	34	the	the	DET
aijes-7159	193	35	national	national	ADJ
aijes-7159	193	36	level	level	NOUN
aijes-7159	193	37	.	.	PUNCT
aijes-7159	194	1	albania	albania	PROPN
aijes-7159	194	2	as	as	ADP
aijes-7159	194	3	a	a	DET
aijes-7159	194	4	country	country	NOUN
aijes-7159	194	5	of	of	ADP
aijes-7159	194	6	the	the	DET
aijes-7159	194	7	western	western	ADJ
aijes-7159	194	8	balkans	balkans	PROPN
aijes-7159	194	9	that	that	PRON
aijes-7159	194	10	is	be	AUX
aijes-7159	194	11	trying	try	VERB
aijes-7159	194	12	to	to	PART
aijes-7159	194	13	join	join	VERB
aijes-7159	194	14	the	the	DET
aijes-7159	194	15	european	european	PROPN
aijes-7159	194	16	union	union	PROPN
aijes-7159	194	17	should	should	AUX
aijes-7159	194	18	establish	establish	VERB
aijes-7159	194	19	and	and	CCONJ
aijes-7159	194	20	implement	implement	VERB
aijes-7159	194	21	a	a	DET
aijes-7159	194	22	supportive	supportive	ADJ
aijes-7159	194	23	regulatory	regulatory	ADJ
aijes-7159	194	24	framework	framework	NOUN
aijes-7159	194	25	based	base	VERB
aijes-7159	194	26	on	on	ADP
aijes-7159	194	27	the	the	DET
aijes-7159	194	28	best	good	ADJ
aijes-7159	194	29	international	international	ADJ
aijes-7159	194	30	practices	practice	NOUN
aijes-7159	194	31	in	in	ADP
aijes-7159	194	32	this	this	DET
aijes-7159	194	33	field	field	NOUN
aijes-7159	194	34	.	.	PUNCT
aijes-7159	195	1	references	reference	NOUN
aijes-7159	195	2	1	1	NUM
aijes-7159	195	3	.	.	PUNCT
aijes-7159	195	4	anagnostopoulos	anagnostopoulos	PROPN
aijes-7159	195	5	,	,	PUNCT
aijes-7159	195	6	i.	i.	PROPN
aijes-7159	195	7	(	(	PUNCT
aijes-7159	195	8	2018	2018	NUM
aijes-7159	195	9	)	)	PUNCT
aijes-7159	195	10	.	.	PUNCT
aijes-7159	196	1	fintech	fintech	NOUN
aijes-7159	196	2	and	and	CCONJ
aijes-7159	196	3	regtech	regtech	PROPN
aijes-7159	196	4	:	:	PUNCT
aijes-7159	196	5	impact	impact	NOUN
aijes-7159	196	6	on	on	ADP
aijes-7159	196	7	regulators	regulator	NOUN
aijes-7159	196	8	and	and	CCONJ
aijes-7159	196	9	banks	bank	NOUN
aijes-7159	196	10	.	.	PUNCT
aijes-7159	197	1	journal	journal	PROPN
aijes-7159	197	2	of	of	ADP
aijes-7159	197	3	economics	economic	NOUN
aijes-7159	197	4	and	and	CCONJ
aijes-7159	197	5	business	business	NOUN
aijes-7159	197	6	,	,	PUNCT
aijes-7159	197	7	7	7	NUM
aijes-7159	197	8	-	-	SYM
aijes-7159	197	9	25	25	NUM
aijes-7159	197	10	.	.	NOUN
aijes-7159	198	1	2	2	NUM
aijes-7159	198	2	.	.	X
aijes-7159	198	3	arner	arner	NOUN
aijes-7159	198	4	,	,	PUNCT
aijes-7159	198	5	d.	d.	PROPN
aijes-7159	198	6	w.	w.	PROPN
aijes-7159	198	7	(	(	PUNCT
aijes-7159	198	8	2020	2020	NUM
aijes-7159	198	9	)	)	PUNCT
aijes-7159	198	10	.	.	PUNCT
aijes-7159	199	1	fintech	fintech	NOUN
aijes-7159	199	2	:	:	PUNCT
aijes-7159	199	3	the	the	DET
aijes-7159	199	4	history	history	NOUN
aijes-7159	199	5	and	and	CCONJ
aijes-7159	199	6	future	future	NOUN
aijes-7159	199	7	of	of	ADP
aijes-7159	199	8	financial	financial	ADJ
aijes-7159	199	9	technology	technology	NOUN
aijes-7159	199	10	”	"	PUNCT
aijes-7159	199	11	.	.	PUNCT
aijes-7159	200	1	theiyerreport.com	theiyerreport.com	X
aijes-7159	200	2	.	.	NOUN
aijes-7159	200	3	3	3	NUM
aijes-7159	200	4	.	.	NOUN
aijes-7159	200	5	bankofalbania	bankofalbania	NOUN
aijes-7159	200	6	.	.	PUNCT
aijes-7159	201	1	(	(	PUNCT
aijes-7159	201	2	10	10	NUM
aijes-7159	201	3	.	.	PUNCT
aijes-7159	201	4	march	march	PROPN
aijes-7159	201	5	2025	2025	NUM
aijes-7159	201	6	)	)	PUNCT
aijes-7159	201	7	.	.	PUNCT
aijes-7159	202	1	bankofalbania.org	bankofalbania.org	X
aijes-7159	202	2	.	.	PUNCT
aijes-7159	203	1	pridobljeno	pridobljeno	NOUN
aijes-7159	203	2	iz	iz	INTJ
aijes-7159	203	3	www.bankofalbania.org	www.bankofalbania.org	NOUN
aijes-7159	203	4	:	:	PUNCT
aijes-7159	203	5	https://www.bankofalbania.org/statistics/financial_account_statistics/	https://www.bankofalbania.org/statistics/financial_account_statistics/	PROPN
aijes-7159	203	6	4	4	NUM
aijes-7159	203	7	.	.	X
aijes-7159	204	1	buchak	buchak	PROPN
aijes-7159	204	2	,	,	PUNCT
aijes-7159	204	3	g.	g.	PROPN
aijes-7159	204	4	m.	m.	PROPN
aijes-7159	204	5	(	(	PUNCT
aijes-7159	204	6	2018	2018	NUM
aijes-7159	204	7	)	)	PUNCT
aijes-7159	204	8	.	.	PUNCT
aijes-7159	205	1	fintech	fintech	NOUN
aijes-7159	205	2	,	,	PUNCT
aijes-7159	205	3	regulatory	regulatory	ADJ
aijes-7159	205	4	arbitrage	arbitrage	NOUN
aijes-7159	205	5	,	,	PUNCT
aijes-7159	205	6	and	and	CCONJ
aijes-7159	205	7	the	the	DET
aijes-7159	205	8	rise	rise	NOUN
aijes-7159	205	9	of	of	ADP
aijes-7159	205	10	shadow	shadow	NOUN
aijes-7159	205	11	banks	bank	NOUN
aijes-7159	205	12	.	.	PUNCT
aijes-7159	205	13	.	.	PUNCT
aijes-7159	206	1	journal	journal	PROPN
aijes-7159	206	2	of	of	ADP
aijes-7159	206	3	financial	financial	ADJ
aijes-7159	206	4	economics	economic	NOUN
aijes-7159	206	5	,	,	PUNCT
aijes-7159	206	6	,	,	PUNCT
aijes-7159	206	7	453	453	NUM
aijes-7159	206	8	-	-	SYM
aijes-7159	206	9	483	483	NUM
aijes-7159	206	10	.	.	PUNCT
aijes-7159	207	1	technological	technological	ADJ
aijes-7159	207	2	finance	finance	NOUN
aijes-7159	207	3	(	(	PUNCT
aijes-7159	207	4	fintech	fintech	NOUN
aijes-7159	207	5	)	)	PUNCT
aijes-7159	207	6	and	and	CCONJ
aijes-7159	207	7	its	its	PRON
aijes-7159	207	8	performance	performance	NOUN
aijes-7159	207	9	in	in	ADP
aijes-7159	207	10	albania	albania	PROPN
aijes-7159	207	11	292	292	NUM
aijes-7159	207	12	5	5	NUM
aijes-7159	207	13	.	.	PUNCT
aijes-7159	208	1	giglio	giglio	PROPN
aijes-7159	208	2	,	,	PUNCT
aijes-7159	208	3	f.	f.	PROPN
aijes-7159	208	4	(	(	PUNCT
aijes-7159	208	5	2021	2021	NUM
aijes-7159	208	6	)	)	PUNCT
aijes-7159	208	7	.	.	PUNCT
aijes-7159	209	1	fintech	fintech	NOUN
aijes-7159	209	2	:	:	PUNCT
aijes-7159	209	3	a	a	DET
aijes-7159	209	4	literature	literature	NOUN
aijes-7159	209	5	review	review	NOUN
aijes-7159	209	6	.	.	PUNCT
aijes-7159	210	1	european	european	PROPN
aijes-7159	210	2	research	research	PROPN
aijes-7159	210	3	studies	studies	PROPN
aijes-7159	210	4	journal	journal	NOUN
aijes-7159	210	5	,	,	PUNCT
aijes-7159	210	6	600	600	NUM
aijes-7159	210	7	-	-	SYM
aijes-7159	210	8	627	627	NUM
aijes-7159	210	9	.	.	NOUN
aijes-7159	211	1	6	6	NUM
aijes-7159	211	2	.	.	X
aijes-7159	211	3	gomber	gomber	PROPN
aijes-7159	211	4	,	,	PUNCT
aijes-7159	211	5	p.	p.	PROPN
aijes-7159	211	6	k.	k.	PROPN
aijes-7159	212	1	(	(	PUNCT
aijes-7159	212	2	2018	2018	NUM
aijes-7159	212	3	)	)	PUNCT
aijes-7159	212	4	.	.	PUNCT
aijes-7159	213	1	on	on	ADP
aijes-7159	213	2	the	the	DET
aijes-7159	213	3	fintech	fintech	NOUN
aijes-7159	213	4	revolution	revolution	NOUN
aijes-7159	213	5	:	:	PUNCT
aijes-7159	213	6	interpreting	interpret	VERB
aijes-7159	213	7	the	the	DET
aijes-7159	213	8	forces	force	NOUN
aijes-7159	213	9	of	of	ADP
aijes-7159	213	10	innovation	innovation	NOUN
aijes-7159	213	11	,	,	PUNCT
aijes-7159	213	12	disruption	disruption	NOUN
aijes-7159	213	13	,	,	PUNCT
aijes-7159	213	14	and	and	CCONJ
aijes-7159	213	15	transformation	transformation	NOUN
aijes-7159	213	16	in	in	ADP
aijes-7159	213	17	financial	financial	ADJ
aijes-7159	213	18	services	service	NOUN
aijes-7159	213	19	.	.	PUNCT
aijes-7159	213	20	.	.	PUNCT
aijes-7159	214	1	gomber	gomber	PROPN
aijes-7159	214	2	,	,	PUNCT
aijes-7159	214	3	p.	p.	PROPN
aijes-7159	214	4	,	,	PUNCT
aijes-7159	214	5	kauffman	kauffman	PROPN
aijes-7159	214	6	,	,	PUNCT
aijes-7159	214	7	r.	r.	PROPN
aijes-7159	214	8	j.	j.	PROPN
aijes-7159	214	9	,	,	PUNCT
aijes-7159	214	10	parker	parker	PROPN
aijes-7159	214	11	,	,	PUNCT
aijes-7159	214	12	c.	c.	PROPN
aijes-7159	214	13	,	,	PUNCT
aijes-7159	214	14	&	&	CCONJ
aijes-7159	214	15	weber	weber	PROPN
aijes-7159	214	16	,	,	PUNCT
aijes-7159	214	17	b.	b.	PROPN
aijes-7159	214	18	w.	w.	PROPN
aijes-7159	214	19	(	(	PUNCT
aijes-7159	214	20	2018	2018	NUM
aijes-7159	214	21	)	)	PUNCT
aijes-7159	214	22	.	.	PUNCT
aijes-7159	215	1	on	on	ADP
aijes-7159	215	2	the	the	DET
aijes-7159	215	3	fintech	fintech	NOUN
aijes-7159	215	4	revolution	revolution	NOUN
aijes-7159	215	5	:	:	PUNCT
aijes-7159	215	6	interpreting	interpret	VERB
aijes-7159	215	7	the	the	DET
aijes-7159	215	8	forces	force	NOUN
aijes-7159	215	9	of	of	ADP
aijes-7159	215	10	innovation	innovation	NOUN
aijes-7159	215	11	,	,	PUNCT
aijes-7159	215	12	disruption	disruption	NOUN
aijes-7159	215	13	,	,	PUNCT
aijes-7159	215	14	and	and	CCONJ
aijes-7159	215	15	transformation	transformation	NOUN
aijes-7159	215	16	in	in	ADP
aijes-7159	215	17	financial	financial	ADJ
aijes-7159	215	18	services	service	NOUN
aijes-7159	215	19	.	.	PUNCT
aijes-7159	216	1	journal	journal	PROPN
aijes-7159	216	2	of	of	ADP
aijes-7159	216	3	management	management	NOUN
aijes-7159	216	4	information	information	NOUN
aijes-7159	216	5	systems	system	NOUN
aijes-7159	216	6	,	,	PUNCT
aijes-7159	216	7	,	,	PUNCT
aijes-7159	216	8	220	220	NUM
aijes-7159	216	9	-	-	SYM
aijes-7159	216	10	265	265	NUM
aijes-7159	216	11	.	.	PUNCT
aijes-7159	217	1	7	7	X
aijes-7159	217	2	.	.	PUNCT
aijes-7159	218	1	haddad	haddad	PROPN
aijes-7159	218	2	.	.	PUNCT
aijes-7159	219	1	(	(	PUNCT
aijes-7159	219	2	2019	2019	NUM
aijes-7159	219	3	)	)	PUNCT
aijes-7159	219	4	.	.	PUNCT
aijes-7159	220	1	the	the	DET
aijes-7159	220	2	emergence	emergence	NOUN
aijes-7159	220	3	of	of	ADP
aijes-7159	220	4	the	the	DET
aijes-7159	220	5	global	global	ADJ
aijes-7159	220	6	fintech	fintech	NOUN
aijes-7159	220	7	market	market	NOUN
aijes-7159	220	8	:	:	PUNCT
aijes-7159	220	9	economic	economic	ADJ
aijes-7159	220	10	and	and	CCONJ
aijes-7159	220	11	technological	technological	ADJ
aijes-7159	220	12	determinants	determinant	NOUN
aijes-7159	220	13	.	.	PUNCT
aijes-7159	221	1	small	small	ADJ
aijes-7159	221	2	business	business	NOUN
aijes-7159	221	3	economics	economic	NOUN
aijes-7159	221	4	,	,	PUNCT
aijes-7159	221	5	an	an	DET
aijes-7159	221	6	entrepreneurship	entrepreneurship	NOUN
aijes-7159	221	7	journal	journal	NOUN
aijes-7159	221	8	,	,	PUNCT
aijes-7159	221	9	81–105	81–105	NOUN
aijes-7159	221	10	.	.	PUNCT
aijes-7159	221	11	8	8	NUM
aijes-7159	221	12	.	.	PUNCT
aijes-7159	222	1	haddad	haddad	PROPN
aijes-7159	222	2	.	.	PUNCT
aijes-7159	223	1	(	(	PUNCT
aijes-7159	223	2	2019	2019	NUM
aijes-7159	223	3	)	)	PUNCT
aijes-7159	223	4	.	.	PUNCT
aijes-7159	224	1	the	the	DET
aijes-7159	224	2	emergence	emergence	NOUN
aijes-7159	224	3	of	of	ADP
aijes-7159	224	4	the	the	DET
aijes-7159	224	5	global	global	ADJ
aijes-7159	224	6	fintech	fintech	NOUN
aijes-7159	224	7	market	market	NOUN
aijes-7159	224	8	:	:	PUNCT
aijes-7159	224	9	economic	economic	ADJ
aijes-7159	224	10	and	and	CCONJ
aijes-7159	224	11	technological	technological	ADJ
aijes-7159	224	12	determinants	determinant	NOUN
aijes-7159	224	13	.	.	PUNCT
aijes-7159	225	1	small	small	ADJ
aijes-7159	225	2	business	business	NOUN
aijes-7159	225	3	economics	economic	NOUN
aijes-7159	225	4	.	.	PUNCT
aijes-7159	225	5	,	,	PUNCT
aijes-7159	225	6	81–105	81–105	NOUN
aijes-7159	225	7	.	.	PUNCT
aijes-7159	226	1	9	9	NUM
aijes-7159	226	2	.	.	X
aijes-7159	226	3	imf	imf	PROPN
aijes-7159	226	4	.	.	PUNCT
aijes-7159	227	1	(	(	PUNCT
aijes-7159	227	2	24	24	NUM
aijes-7159	227	3	.	.	PUNCT
aijes-7159	227	4	march	march	PROPN
aijes-7159	227	5	2025	2025	NUM
aijes-7159	227	6	)	)	PUNCT
aijes-7159	227	7	.	.	PUNCT
aijes-7159	228	1	https	https	NOUN
aijes-7159	228	2	:	:	PUNCT
aijes-7159	228	3	imf.org	imf.org	ADJ
aijes-7159	228	4	.	.	PUNCT
aijes-7159	229	1	pridobljeno	pridobljeno	PROPN
aijes-7159	229	2	iz	iz	INTJ
aijes-7159	229	3	https://data.imf.org	https://data.imf.org	ADJ
aijes-7159	229	4	:	:	PUNCT
aijes-7159	229	5	https://data.imf.org/en/data-explorer?dataseturn=imf.sta:wpcper(3.0.0	https://data.imf.org/en/data-explorer?dataseturn=imf.sta:wpcper(3.0.0	NOUN
aijes-7159	229	6	)	)	PUNCT
aijes-7159	229	7	10	10	NUM
aijes-7159	229	8	.	.	PUNCT
aijes-7159	230	1	lee	lee	PROPN
aijes-7159	230	2	,	,	PUNCT
aijes-7159	230	3	i.	i.	PROPN
aijes-7159	230	4	&	&	CCONJ
aijes-7159	230	5	.	.	PUNCT
aijes-7159	231	1	(	(	PUNCT
aijes-7159	231	2	2018	2018	NUM
aijes-7159	231	3	)	)	PUNCT
aijes-7159	231	4	.	.	PUNCT
aijes-7159	232	1	fintech	fintech	NOUN
aijes-7159	232	2	:	:	PUNCT
aijes-7159	232	3	ecosystem	ecosystem	NOUN
aijes-7159	232	4	,	,	PUNCT
aijes-7159	232	5	business	business	NOUN
aijes-7159	232	6	models	model	NOUN
aijes-7159	232	7	,	,	PUNCT
aijes-7159	232	8	investment	investment	NOUN
aijes-7159	232	9	decisions	decision	NOUN
aijes-7159	232	10	,	,	PUNCT
aijes-7159	232	11	and	and	CCONJ
aijes-7159	232	12	challenges	challenge	NOUN
aijes-7159	232	13	.	.	PUNCT
aijes-7159	232	14	.	.	PUNCT
aijes-7159	233	1	business	business	NOUN
aijes-7159	233	2	horizons	horizon	NOUN
aijes-7159	233	3	.	.	PUNCT
aijes-7159	233	4	,	,	PUNCT
aijes-7159	233	5	35	35	NUM
aijes-7159	233	6	-	-	SYM
aijes-7159	233	7	46	46	NUM
aijes-7159	233	8	.	.	PUNCT
aijes-7159	234	1	11	11	NUM
aijes-7159	234	2	.	.	PUNCT
aijes-7159	235	1	leong	leong	PROPN
aijes-7159	235	2	,	,	PUNCT
aijes-7159	235	3	c.	c.	PROPN
aijes-7159	235	4	t.	t.	PROPN
aijes-7159	235	5	(	(	PUNCT
aijes-7159	235	6	2017	2017	NUM
aijes-7159	235	7	)	)	PUNCT
aijes-7159	235	8	.	.	PUNCT
aijes-7159	236	1	nurturing	nurture	VERB
aijes-7159	236	2	a	a	DET
aijes-7159	236	3	fintech	fintech	NOUN
aijes-7159	236	4	ecosystem	ecosystem	NOUN
aijes-7159	236	5	:	:	PUNCT
aijes-7159	236	6	the	the	DET
aijes-7159	236	7	case	case	NOUN
aijes-7159	236	8	of	of	ADP
aijes-7159	236	9	a	a	DET
aijes-7159	236	10	youth	youth	NOUN
aijes-7159	236	11	microloan	microloan	NOUN
aijes-7159	236	12	startup	startup	NOUN
aijes-7159	236	13	in	in	ADP
aijes-7159	236	14	china	china	PROPN
aijes-7159	236	15	.	.	PUNCT
aijes-7159	237	1	international	international	ADJ
aijes-7159	237	2	journal	journal	PROPN
aijes-7159	237	3	of	of	ADP
aijes-7159	237	4	information	information	NOUN
aijes-7159	237	5	management	management	NOUN
aijes-7159	237	6	.	.	PUNCT
aijes-7159	238	1	,	,	PUNCT
aijes-7159	238	2	92	92	NUM
aijes-7159	238	3	-	-	SYM
aijes-7159	238	4	97	97	NUM
aijes-7159	238	5	.	.	PUNCT
aijes-7159	238	6	12	12	NUM
aijes-7159	238	7	.	.	PUNCT
aijes-7159	238	8	loukoianova	loukoianova	PROPN
aijes-7159	238	9	,	,	PUNCT
aijes-7159	238	10	e.	e.	PROPN
aijes-7159	238	11	(	(	PUNCT
aijes-7159	238	12	2024	2024	NUM
aijes-7159	238	13	)	)	PUNCT
aijes-7159	238	14	.	.	PUNCT
aijes-7159	239	1	fintech	fintech	NOUN
aijes-7159	239	2	applications	application	NOUN
aijes-7159	239	3	for	for	ADP
aijes-7159	239	4	boosting	boost	VERB
aijes-7159	239	5	climate	climate	NOUN
aijes-7159	239	6	finance	finance	NOUN
aijes-7159	239	7	.	.	PUNCT
aijes-7159	240	1	imf	imf	PROPN
aijes-7159	240	2	.	.	PROPN
aijes-7159	241	1	13	13	NUM
aijes-7159	241	2	.	.	PUNCT
aijes-7159	242	1	marketdataforecast	marketdataforecast	ADJ
aijes-7159	242	2	.	.	PUNCT
aijes-7159	243	1	(	(	PUNCT
aijes-7159	243	2	june	june	PROPN
aijes-7159	243	3	2024	2024	NUM
aijes-7159	243	4	)	)	PUNCT
aijes-7159	243	5	.	.	PUNCT
aijes-7159	244	1	https://www.marketdataforecast.com	https://www.marketdataforecast.com	X
aijes-7159	244	2	.	.	PUNCT
aijes-7159	245	1	pridobljeno	pridobljeno	VERB
aijes-7159	245	2	iz	iz	INTJ
aijes-7159	245	3	https://www.marketdataforecast.com	https://www.marketdataforecast.com	PROPN
aijes-7159	245	4	:	:	PUNCT
aijes-7159	246	1	https://www.marketdataforecast.com/marketreports/fintech-market	https://www.marketdataforecast.com/marketreports/fintech-market	PROPN
aijes-7159	246	2	14	14	NUM
aijes-7159	246	3	.	.	PUNCT
aijes-7159	247	1	puschmann	puschmann	PROPN
aijes-7159	247	2	,	,	PUNCT
aijes-7159	247	3	t.	t.	PROPN
aijes-7159	247	4	(	(	PUNCT
aijes-7159	247	5	.	.	PUNCT
aijes-7159	247	6	(	(	PUNCT
aijes-7159	247	7	2017	2017	NUM
aijes-7159	247	8	)	)	PUNCT
aijes-7159	247	9	.	.	PUNCT
aijes-7159	248	1	fintech	fintech	NOUN
aijes-7159	248	2	.	.	PUNCT
aijes-7159	248	3	.	.	PUNCT
aijes-7159	249	1	business	business	NOUN
aijes-7159	249	2	&	&	CCONJ
aijes-7159	249	3	information	information	PROPN
aijes-7159	249	4	systems	system	NOUN
aijes-7159	249	5	engineering	engineering	NOUN
aijes-7159	249	6	,	,	PUNCT
aijes-7159	249	7	69	69	NUM
aijes-7159	249	8	–	–	SYM
aijes-7159	249	9	76	76	NUM
aijes-7159	249	10	.	.	NOUN
aijes-7159	249	11	15	15	NUM
aijes-7159	249	12	.	.	PUNCT
aijes-7159	249	13	statista	statista	NOUN
aijes-7159	249	14	.	.	PUNCT
aijes-7159	250	1	(	(	PUNCT
aijes-7159	250	2	december	december	PROPN
aijes-7159	250	3	2024	2024	NUM
aijes-7159	250	4	)	)	PUNCT
aijes-7159	250	5	.	.	PUNCT
aijes-7159	251	1	statista.com	statista.com	X
aijes-7159	251	2	.	.	PUNCT
aijes-7159	251	3	pridobljeno	pridobljeno	PROPN
aijes-7159	251	4	iz	iz	PROPN
aijes-7159	251	5	https://www.statista.com/	https://www.statista.com/	PROPN
aijes-7159	251	6	:	:	PUNCT
aijes-7159	251	7	https://www.statista.com/outlook/fmo/digital-payments/worldwide?currency=usd	https://www.statista.com/outlook/fmo/digital-payments/worldwide?currency=usd	PROPN
aijes-7159	251	8	16	16	NUM
aijes-7159	251	9	.	.	PUNCT
aijes-7159	251	10	statista	statista	PROPN
aijes-7159	251	11	.	.	PUNCT
aijes-7159	252	1	(	(	PUNCT
aijes-7159	252	2	13	13	NUM
aijes-7159	252	3	.	.	PUNCT
aijes-7159	252	4	feb	feb	PROPN
aijes-7159	252	5	2025	2025	NUM
aijes-7159	252	6	)	)	PUNCT
aijes-7159	252	7	.	.	PUNCT
aijes-7159	253	1	statista	statista	PROPN
aijes-7159	253	2	.	.	PUNCT
aijes-7159	254	1	pridobljeno	pridobljeno	VERB
aijes-7159	254	2	iz	iz	ADP
aijes-7159	254	3	statista.com	statista.com	NOUN
aijes-7159	254	4	:	:	PUNCT
aijes-7159	254	5	https://www.statista.com/statistics/1553749/number-of-fintechs-europe-bycountry/#statisticcontainer	https://www.statista.com/statistics/1553749/number-of-fintechs-europe-bycountry/#statisticcontainer	NOUN
aijes-7159	254	6	17	17	NUM
aijes-7159	254	7	.	.	PUNCT
aijes-7159	254	8	statista	statista	NOUN
aijes-7159	254	9	.	.	PUNCT
aijes-7159	255	1	(	(	PUNCT
aijes-7159	255	2	january	january	PROPN
aijes-7159	255	3	2025	2025	NUM
aijes-7159	255	4	)	)	PUNCT
aijes-7159	255	5	.	.	PUNCT
aijes-7159	256	1	statista	statista	PROPN
aijes-7159	256	2	.	.	PUNCT
aijes-7159	257	1	pridobljeno	pridobljeno	VERB
aijes-7159	257	2	iz	iz	ADP
aijes-7159	257	3	statista.com	statista.com	NOUN
aijes-7159	257	4	:	:	PUNCT
aijes-7159	257	5	https://www.statista.com/outlook/fmo/digital-payments/worldwide?currency=usd	https://www.statista.com/outlook/fmo/digital-payments/worldwide?currency=usd	PROPN
aijes-7159	257	6	18	18	NUM
aijes-7159	257	7	.	.	PUNCT
aijes-7159	258	1	statistaresearchdepartment	statistaresearchdepartment	NOUN
aijes-7159	258	2	.	.	PUNCT
aijes-7159	259	1	(	(	PUNCT
aijes-7159	259	2	27	27	NUM
aijes-7159	259	3	.	.	PUNCT
aijes-7159	259	4	feb	feb	PROPN
aijes-7159	259	5	2025	2025	NUM
aijes-7159	259	6	)	)	PUNCT
aijes-7159	259	7	.	.	PUNCT
aijes-7159	260	1	statista	statista	PROPN
aijes-7159	260	2	.	.	PUNCT
aijes-7159	261	1	pridobljeno	pridobljeno	NOUN
aijes-7159	261	2	iz	iz	INTJ
aijes-7159	261	3	https://www.statista.com	https://www.statista.com	X
aijes-7159	261	4	:	:	PUNCT
aijes-7159	262	1	https://www.statista.com/topics/3397/fintech-market-ineurope/#topicoverview	https://www.statista.com/topics/3397/fintech-market-ineurope/#topicoverview	NOUN
aijes-7159	262	2	19	19	NUM
aijes-7159	262	3	.	.	PUNCT
aijes-7159	263	1	stulz	stulz	PROPN
aijes-7159	263	2	,	,	PUNCT
aijes-7159	263	3	r.	r.	PROPN
aijes-7159	263	4	m.	m.	PROPN
aijes-7159	263	5	(	(	PUNCT
aijes-7159	263	6	2019	2019	NUM
aijes-7159	263	7	)	)	PUNCT
aijes-7159	263	8	.	.	PUNCT
aijes-7159	264	1	fintech	fintech	NOUN
aijes-7159	264	2	,	,	PUNCT
aijes-7159	264	3	bigtech	bigtech	NOUN
aijes-7159	264	4	,	,	PUNCT
aijes-7159	264	5	and	and	CCONJ
aijes-7159	264	6	the	the	DET
aijes-7159	264	7	future	future	NOUN
aijes-7159	264	8	of	of	ADP
aijes-7159	264	9	banks	bank	NOUN
aijes-7159	264	10	.	.	PUNCT
aijes-7159	265	1	journal	journal	PROPN
aijes-7159	265	2	of	of	ADP
aijes-7159	265	3	applied	apply	VERB
aijes-7159	265	4	corporate	corporate	ADJ
aijes-7159	265	5	finance	finance	NOUN
aijes-7159	265	6	,	,	PUNCT
aijes-7159	265	7	https://doi.org/10.1111/jacf.12378	https://doi.org/10.1111/jacf.12378	X
aijes-7159	265	8	.	.	PUNCT
aijes-7159	266	1	20	20	NUM
aijes-7159	266	2	.	.	PUNCT
aijes-7159	266	3	surmanidze	surmanidze	PROPN
aijes-7159	266	4	,	,	PUNCT
aijes-7159	266	5	m.	m.	PROPN
aijes-7159	266	6	b.	b.	PROPN
aijes-7159	266	7	(	(	PUNCT
aijes-7159	266	8	2023	2023	NUM
aijes-7159	266	9	)	)	PUNCT
aijes-7159	266	10	.	.	PUNCT
aijes-7159	267	1	empowering	empower	VERB
aijes-7159	267	2	small	small	ADJ
aijes-7159	267	3	businesses	business	NOUN
aijes-7159	267	4	in	in	ADP
aijes-7159	267	5	georgia	georgia	PROPN
aijes-7159	267	6	:	:	PUNCT
aijes-7159	267	7	access	access	NOUN
aijes-7159	267	8	to	to	ADP
aijes-7159	267	9	finance	finance	NOUN
aijes-7159	267	10	,	,	PUNCT
aijes-7159	267	11	economic	economic	ADJ
aijes-7159	267	12	resilience	resilience	NOUN
aijes-7159	267	13	,	,	PUNCT
aijes-7159	267	14	and	and	CCONJ
aijes-7159	267	15	sustainable	sustainable	ADJ
aijes-7159	267	16	growth	growth	NOUN
aijes-7159	267	17	.	.	PUNCT
aijes-7159	268	1	agora	agora	PROPN
aijes-7159	268	2	international	international	ADJ
aijes-7159	268	3	journal	journal	NOUN
aijes-7159	268	4	of	of	ADP
aijes-7159	268	5	economical	economical	ADJ
aijes-7159	268	6	sciences	science	NOUN
aijes-7159	268	7	.	.	PUNCT
aijes-7159	268	8	,	,	PUNCT
aijes-7159	268	9	https://doi.org/10.15837/aijes.v17i2.6453	https://doi.org/10.15837/aijes.v17i2.6453	NUM
aijes-7159	268	10	.	.	PUNCT
aijes-7159	269	1	21	21	NUM
aijes-7159	269	2	.	.	X
aijes-7159	270	1	toska	toska	PROPN
aijes-7159	270	2	,	,	PUNCT
aijes-7159	270	3	m.	m.	NOUN
aijes-7159	270	4	(	(	PUNCT
aijes-7159	270	5	2021	2021	NUM
aijes-7159	270	6	)	)	PUNCT
aijes-7159	270	7	.	.	PUNCT
aijes-7159	271	1	fintech	fintech	NOUN
aijes-7159	271	2	for	for	ADP
aijes-7159	271	3	growth	growth	NOUN
aijes-7159	271	4	:	:	PUNCT
aijes-7159	271	5	the	the	DET
aijes-7159	271	6	case	case	NOUN
aijes-7159	271	7	of	of	ADP
aijes-7159	271	8	albania	albania	PROPN
aijes-7159	271	9	.	.	PUNCT
aijes-7159	272	1	international	international	ADJ
aijes-7159	272	2	conference	conference	NOUN
aijes-7159	272	3	on	on	ADP
aijes-7159	272	4	humanities	humanity	NOUN
aijes-7159	272	5	,	,	PUNCT
aijes-7159	272	6	social	social	ADJ
aijes-7159	272	7	and	and	CCONJ
aijes-7159	272	8	education	education	NOUN
aijes-7159	272	9	sciencesat	sciencesat	NOUN
aijes-7159	272	10	:	:	PUNCT
aijes-7159	272	11	.	.	PUNCT
aijes-7159	273	1	new	new	PROPN
aijes-7159	273	2	york	york	PROPN
aijes-7159	273	3	,	,	PUNCT
aijes-7159	273	4	usa	usa	PROPN
aijes-7159	273	5	:	:	PUNCT
aijes-7159	273	6	istes	istes	PROPN
aijes-7159	273	7	organization	organization	NOUN
aijes-7159	273	8	.	.	PUNCT
aijes-7159	274	1	22	22	NUM
aijes-7159	274	2	.	.	PUNCT
aijes-7159	274	3	worldbank	worldbank	ADJ
aijes-7159	274	4	.	.	PUNCT
aijes-7159	275	1	(	(	PUNCT
aijes-7159	275	2	10	10	NUM
aijes-7159	275	3	.	.	PUNCT
aijes-7159	275	4	march	march	PROPN
aijes-7159	275	5	2025	2025	NUM
aijes-7159	275	6	)	)	PUNCT
aijes-7159	275	7	.	.	PUNCT
aijes-7159	276	1	https://data.worldbank.org	https://data.worldbank.org	PROPN
aijes-7159	276	2	.	.	PUNCT
aijes-7159	277	1	pridobljeno	pridobljeno	PROPN
aijes-7159	277	2	iz	iz	PROPN
aijes-7159	277	3	data.worldbank.org/topic/financial-sector	data.worldbank.org/topic/financial-sector	PROPN
aijes-7159	277	4	:	:	PUNCT
aijes-7159	277	5	https://data.worldbank.org/topic/financialsector	https://data.worldbank.org/topic/financialsector	PROPN
aijes-7159	277	6	23	23	NUM
aijes-7159	277	7	.	.	PUNCT
aijes-7159	278	1	zavolokina	zavolokina	PROPN
aijes-7159	278	2	,	,	PUNCT
aijes-7159	278	3	m.	m.	PROPN
aijes-7159	278	4	d.	d.	PROPN
aijes-7159	278	5	(	(	PUNCT
aijes-7159	278	6	2016	2016	NUM
aijes-7159	278	7	)	)	PUNCT
aijes-7159	278	8	.	.	PUNCT
aijes-7159	279	1	the	the	DET
aijes-7159	279	2	fintech	fintech	NOUN
aijes-7159	279	3	phenomenon	phenomenon	NOUN
aijes-7159	279	4	:	:	PUNCT
aijes-7159	279	5	antecedents	antecedent	NOUN
aijes-7159	279	6	of	of	ADP
aijes-7159	279	7	financial	financial	ADJ
aijes-7159	279	8	innovation	innovation	NOUN
aijes-7159	279	9	perceived	perceive	VERB
aijes-7159	279	10	by	by	ADP
aijes-7159	279	11	the	the	DET
aijes-7159	279	12	popular	popular	ADJ
aijes-7159	279	13	press	press	NOUN
aijes-7159	279	14	.	.	PUNCT
aijes-7159	280	1	financial	financial	ADJ
aijes-7159	280	2	innovation	innovation	NOUN
aijes-7159	280	3	,	,	PUNCT
aijes-7159	280	4	.	.	PUNCT
aijes-7159	281	1	springeropen	springeropen	PROPN
aijes-7159	281	2	,	,	PUNCT
aijes-7159	281	3	https://doi.org/10.1186/s40854-016-0036-7	https://doi.org/10.1186/s40854-016-0036-7	NUM
aijes-7159	281	4	.	.	PUNCT