id	sid	tid	token	lemma	pos
ajbmeb-1017	1	1	american	american	PROPN
ajbmeb-1017	1	2	journal	journal	PROPN
ajbmeb-1017	1	3	of	of	ADP
ajbmeb-1017	1	4	business	business	NOUN
ajbmeb-1017	1	5	management	management	NOUN
ajbmeb-1017	1	6	,	,	PUNCT
ajbmeb-1017	1	7	economics	economic	NOUN
ajbmeb-1017	1	8	and	and	CCONJ
ajbmeb-1017	1	9	banking	banking	NOUN
ajbmeb-1017	1	10	issn	issn	PROPN
ajbmeb-1017	1	11	(	(	PUNCT
ajbmeb-1017	1	12	e	e	NOUN
ajbmeb-1017	1	13	):	):	PUNCT
ajbmeb-1017	1	14	2832	2832	NUM
ajbmeb-1017	1	15	-	-	SYM
ajbmeb-1017	1	16	8078	8078	NUM
ajbmeb-1017	1	17	volume	volume	NOUN
ajbmeb-1017	1	18	13	13	NUM
ajbmeb-1017	1	19	,	,	PUNCT
ajbmeb-1017	1	20	|	|	ADV
ajbmeb-1017	1	21	june	june	PROPN
ajbmeb-1017	1	22	,	,	PUNCT
ajbmeb-1017	1	23	2023	2023	NUM
ajbmeb-1017	1	24	p	p	NOUN
ajbmeb-1017	1	25	a	a	DET
ajbmeb-1017	1	26	g	g	NOUN
ajbmeb-1017	1	27	e	e	NOUN
ajbmeb-1017	1	28	|	|	NOUN
ajbmeb-1017	1	29	118	118	NUM
ajbmeb-1017	1	30	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1017	1	31	small	small	ADJ
ajbmeb-1017	1	32	and	and	CCONJ
ajbmeb-1017	1	33	medium	medium	ADJ
ajbmeb-1017	1	34	-	-	PUNCT
ajbmeb-1017	1	35	sized	sized	ADJ
ajbmeb-1017	1	36	businesses	business	NOUN
ajbmeb-1017	1	37	(	(	PUNCT
ajbmeb-1017	1	38	smes	sme	NOUN
ajbmeb-1017	1	39	)	)	PUNCT
ajbmeb-1017	1	40	in	in	ADP
ajbmeb-1017	1	41	asian	asian	ADJ
ajbmeb-1017	1	42	nations	nation	NOUN
ajbmeb-1017	1	43	can	can	AUX
ajbmeb-1017	1	44	benefit	benefit	VERB
ajbmeb-1017	1	45	from	from	ADP
ajbmeb-1017	1	46	fintech	fintech	NOUN
ajbmeb-1017	1	47	's	's	PART
ajbmeb-1017	1	48	efficient	efficient	ADJ
ajbmeb-1017	1	49	solutions	solution	NOUN
ajbmeb-1017	1	50	musabekov	musabekov	NOUN
ajbmeb-1017	1	51	sherali	sherali	PROPN
ajbmeb-1017	1	52	nazarali	nazarali	PROPN
ajbmeb-1017	1	53	o’g’li	o’g’li	PROPN
ajbmeb-1017	1	54	student	student	NOUN
ajbmeb-1017	1	55	of	of	ADP
ajbmeb-1017	1	56	kokand	kokand	PROPN
ajbmeb-1017	1	57	university	university	PROPN
ajbmeb-1017	1	58	sheralimusabekov@gmail.com	sheralimusabekov@gmail.com	PROPN
ajbmeb-1017	2	1	a	a	DET
ajbmeb-1017	2	2	b	b	PROPN
ajbmeb-1017	2	3	s	s	ADP
ajbmeb-1017	2	4	t	t	PROPN
ajbmeb-1017	2	5	r	r	NOUN
ajbmeb-1017	2	6	a	a	DET
ajbmeb-1017	2	7	c	c	NOUN
ajbmeb-1017	2	8	t	t	NOUN
ajbmeb-1017	2	9	k	k	X
ajbmeb-1017	2	10	e	e	PROPN
ajbmeb-1017	2	11	y	y	PROPN
ajbmeb-1017	2	12	w	w	NOUN
ajbmeb-1017	2	13	o	o	NOUN
ajbmeb-1017	2	14	r	r	NOUN
ajbmeb-1017	2	15	d	d	X
ajbmeb-1017	2	16	s	s	VERB
ajbmeb-1017	2	17	the	the	DET
ajbmeb-1017	2	18	same	same	ADJ
ajbmeb-1017	2	19	qualities	quality	NOUN
ajbmeb-1017	2	20	of	of	ADP
ajbmeb-1017	2	21	many	many	ADJ
ajbmeb-1017	2	22	platforms	platform	NOUN
ajbmeb-1017	2	23	offer	offer	VERB
ajbmeb-1017	2	24	excellent	excellent	ADJ
ajbmeb-1017	2	25	solutions	solution	NOUN
ajbmeb-1017	2	26	for	for	ADP
ajbmeb-1017	2	27	small	small	ADJ
ajbmeb-1017	2	28	and	and	CCONJ
ajbmeb-1017	2	29	medium	medium	ADJ
ajbmeb-1017	2	30	-	-	PUNCT
ajbmeb-1017	2	31	sized	sized	ADJ
ajbmeb-1017	2	32	businesses	business	NOUN
ajbmeb-1017	2	33	as	as	SCONJ
ajbmeb-1017	2	34	fintech	fintech	NOUN
ajbmeb-1017	2	35	continues	continue	VERB
ajbmeb-1017	2	36	to	to	PART
ajbmeb-1017	2	37	expand	expand	VERB
ajbmeb-1017	2	38	.	.	PUNCT
ajbmeb-1017	3	1	this	this	DET
ajbmeb-1017	3	2	study	study	NOUN
ajbmeb-1017	3	3	investigates	investigate	VERB
ajbmeb-1017	3	4	if	if	SCONJ
ajbmeb-1017	3	5	fintech	fintech	NOUN
ajbmeb-1017	3	6	provides	provide	VERB
ajbmeb-1017	3	7	practical	practical	ADJ
ajbmeb-1017	3	8	business	business	NOUN
ajbmeb-1017	3	9	tools	tool	NOUN
ajbmeb-1017	3	10	for	for	ADP
ajbmeb-1017	3	11	smes	sme	NOUN
ajbmeb-1017	3	12	in	in	ADP
ajbmeb-1017	3	13	particular	particular	ADJ
ajbmeb-1017	3	14	asian	asian	ADJ
ajbmeb-1017	3	15	nations	nation	NOUN
ajbmeb-1017	3	16	.	.	PUNCT
ajbmeb-1017	4	1	indonesia	indonesia	PROPN
ajbmeb-1017	4	2	,	,	PUNCT
ajbmeb-1017	4	3	malaysia	malaysia	PROPN
ajbmeb-1017	4	4	,	,	PUNCT
ajbmeb-1017	4	5	philippines	philippine	NOUN
ajbmeb-1017	4	6	,	,	PUNCT
ajbmeb-1017	4	7	singapore	singapore	PROPN
ajbmeb-1017	4	8	,	,	PUNCT
ajbmeb-1017	4	9	and	and	CCONJ
ajbmeb-1017	4	10	thailand	thailand	PROPN
ajbmeb-1017	4	11	are	be	AUX
ajbmeb-1017	4	12	the	the	DET
ajbmeb-1017	4	13	asian	asian	ADJ
ajbmeb-1017	4	14	nations	nation	NOUN
ajbmeb-1017	4	15	included	include	VERB
ajbmeb-1017	4	16	by	by	ADP
ajbmeb-1017	4	17	the	the	DET
ajbmeb-1017	4	18	research	research	NOUN
ajbmeb-1017	4	19	.	.	PUNCT
ajbmeb-1017	5	1	the	the	DET
ajbmeb-1017	5	2	study	study	NOUN
ajbmeb-1017	5	3	divided	divide	VERB
ajbmeb-1017	5	4	the	the	DET
ajbmeb-1017	5	5	fintech	fintech	NOUN
ajbmeb-1017	5	6	-	-	PUNCT
ajbmeb-1017	5	7	sme	sme	NOUN
ajbmeb-1017	5	8	nexus	nexus	NOUN
ajbmeb-1017	5	9	into	into	ADP
ajbmeb-1017	5	10	five	five	NUM
ajbmeb-1017	5	11	variables	variable	NOUN
ajbmeb-1017	5	12	using	use	VERB
ajbmeb-1017	5	13	factor	factor	NOUN
ajbmeb-1017	5	14	analysis	analysis	NOUN
ajbmeb-1017	5	15	.	.	PUNCT
ajbmeb-1017	6	1	surveys	survey	NOUN
ajbmeb-1017	6	2	and	and	CCONJ
ajbmeb-1017	6	3	interview	interview	NOUN
ajbmeb-1017	6	4	questionnaires	questionnaire	NOUN
ajbmeb-1017	6	5	were	be	AUX
ajbmeb-1017	6	6	used	use	VERB
ajbmeb-1017	6	7	to	to	PART
ajbmeb-1017	6	8	get	get	VERB
ajbmeb-1017	6	9	the	the	DET
ajbmeb-1017	6	10	opinions	opinion	NOUN
ajbmeb-1017	6	11	of	of	ADP
ajbmeb-1017	6	12	300	300	NUM
ajbmeb-1017	6	13	sme	sme	NOUN
ajbmeb-1017	6	14	owners	owner	NOUN
ajbmeb-1017	6	15	.	.	PUNCT
ajbmeb-1017	7	1	according	accord	VERB
ajbmeb-1017	7	2	to	to	ADP
ajbmeb-1017	7	3	our	our	PRON
ajbmeb-1017	7	4	research	research	NOUN
ajbmeb-1017	7	5	,	,	PUNCT
ajbmeb-1017	7	6	the	the	DET
ajbmeb-1017	7	7	covid-19	covid-19	PROPN
ajbmeb-1017	7	8	new	new	ADJ
ajbmeb-1017	7	9	fintech	fintech	NOUN
ajbmeb-1017	7	10	and	and	CCONJ
ajbmeb-1017	7	11	smes	sme	NOUN
ajbmeb-1017	7	12	"	"	PUNCT
ajbmeb-1017	7	13	collisions	collision	NOUN
ajbmeb-1017	7	14	"	"	PUNCT
ajbmeb-1017	7	15	(	(	PUNCT
ajbmeb-1017	7	16	our	our	PRON
ajbmeb-1017	7	17	name	name	NOUN
ajbmeb-1017	7	18	for	for	ADP
ajbmeb-1017	7	19	new	new	ADJ
ajbmeb-1017	7	20	use	use	NOUN
ajbmeb-1017	7	21	)	)	PUNCT
ajbmeb-1017	7	22	are	be	AUX
ajbmeb-1017	7	23	the	the	DET
ajbmeb-1017	7	24	key	key	ADJ
ajbmeb-1017	7	25	drivers	driver	NOUN
ajbmeb-1017	7	26	of	of	ADP
ajbmeb-1017	7	27	fintech	fintech	NOUN
ajbmeb-1017	7	28	development	development	NOUN
ajbmeb-1017	7	29	and	and	CCONJ
ajbmeb-1017	7	30	smes	sme	NOUN
ajbmeb-1017	7	31	'	'	PART
ajbmeb-1017	7	32	resilience	resilience	NOUN
ajbmeb-1017	7	33	.	.	PUNCT
ajbmeb-1017	8	1	additionally	additionally	ADV
ajbmeb-1017	8	2	,	,	PUNCT
ajbmeb-1017	8	3	we	we	PRON
ajbmeb-1017	8	4	used	use	VERB
ajbmeb-1017	8	5	the	the	DET
ajbmeb-1017	8	6	kruskalwallis	kruskalwallis	PROPN
ajbmeb-1017	8	7	test	test	NOUN
ajbmeb-1017	8	8	to	to	PART
ajbmeb-1017	8	9	confirm	confirm	VERB
ajbmeb-1017	8	10	our	our	PRON
ajbmeb-1017	8	11	findings	finding	NOUN
ajbmeb-1017	8	12	and	and	CCONJ
ajbmeb-1017	8	13	rank	rank	VERB
ajbmeb-1017	8	14	the	the	DET
ajbmeb-1017	8	15	variables	variable	NOUN
ajbmeb-1017	8	16	in	in	ADP
ajbmeb-1017	8	17	comparison	comparison	NOUN
ajbmeb-1017	8	18	to	to	ADP
ajbmeb-1017	8	19	the	the	DET
ajbmeb-1017	8	20	asian	asian	ADJ
ajbmeb-1017	8	21	nations	nation	NOUN
ajbmeb-1017	8	22	.	.	PUNCT
ajbmeb-1017	9	1	we	we	PRON
ajbmeb-1017	9	2	offer	offer	VERB
ajbmeb-1017	9	3	practical	practical	ADJ
ajbmeb-1017	9	4	recommendations	recommendation	NOUN
ajbmeb-1017	9	5	for	for	ADP
ajbmeb-1017	9	6	accepting	accept	VERB
ajbmeb-1017	9	7	fintech	fintech	NOUN
ajbmeb-1017	9	8	technologies	technology	NOUN
ajbmeb-1017	9	9	to	to	PART
ajbmeb-1017	9	10	ease	ease	VERB
ajbmeb-1017	9	11	digital	digital	ADJ
ajbmeb-1017	9	12	transactions	transaction	NOUN
ajbmeb-1017	9	13	for	for	ADP
ajbmeb-1017	9	14	policymakers	policymaker	NOUN
ajbmeb-1017	9	15	,	,	PUNCT
ajbmeb-1017	9	16	regulatory	regulatory	ADJ
ajbmeb-1017	9	17	organizations	organization	NOUN
ajbmeb-1017	9	18	,	,	PUNCT
ajbmeb-1017	9	19	asian	asian	ADJ
ajbmeb-1017	9	20	nations	nation	NOUN
ajbmeb-1017	9	21	,	,	PUNCT
ajbmeb-1017	9	22	and	and	CCONJ
ajbmeb-1017	9	23	smes	sme	NOUN
ajbmeb-1017	9	24	.	.	PUNCT
ajbmeb-1017	10	1	sme	sme	PROPN
ajbmeb-1017	10	2	,	,	PUNCT
ajbmeb-1017	10	3	covid-19	covid-19	PROPN
ajbmeb-1017	10	4	,	,	PUNCT
ajbmeb-1017	10	5	asian	asian	ADJ
ajbmeb-1017	10	6	nations	nation	NOUN
ajbmeb-1017	10	7	,	,	PUNCT
ajbmeb-1017	10	8	fintech	fintech	NOUN
ajbmeb-1017	10	9	,	,	PUNCT
ajbmeb-1017	10	10	market	market	NOUN
ajbmeb-1017	10	11	.	.	PUNCT
ajbmeb-1017	11	1	introduction	introduction	NOUN
ajbmeb-1017	11	2	:	:	PUNCT
ajbmeb-1017	11	3	fintech	fintech	NOUN
ajbmeb-1017	11	4	,	,	PUNCT
ajbmeb-1017	11	5	or	or	CCONJ
ajbmeb-1017	11	6	financial	financial	ADJ
ajbmeb-1017	11	7	technology	technology	NOUN
ajbmeb-1017	11	8	,	,	PUNCT
ajbmeb-1017	11	9	has	have	AUX
ajbmeb-1017	11	10	been	be	AUX
ajbmeb-1017	11	11	rapidly	rapidly	ADV
ajbmeb-1017	11	12	growing	grow	VERB
ajbmeb-1017	11	13	in	in	ADP
ajbmeb-1017	11	14	popularity	popularity	NOUN
ajbmeb-1017	11	15	in	in	ADP
ajbmeb-1017	11	16	recent	recent	ADJ
ajbmeb-1017	11	17	years	year	NOUN
ajbmeb-1017	11	18	as	as	ADP
ajbmeb-1017	11	19	a	a	DET
ajbmeb-1017	11	20	solution	solution	NOUN
ajbmeb-1017	11	21	for	for	ADP
ajbmeb-1017	11	22	many	many	ADJ
ajbmeb-1017	11	23	financial	financial	ADJ
ajbmeb-1017	11	24	challenges	challenge	NOUN
ajbmeb-1017	11	25	faced	face	VERB
ajbmeb-1017	11	26	by	by	ADP
ajbmeb-1017	11	27	small	small	ADJ
ajbmeb-1017	11	28	and	and	CCONJ
ajbmeb-1017	11	29	medium	medium	ADJ
ajbmeb-1017	11	30	enterprises	enterprise	NOUN
ajbmeb-1017	11	31	(	(	PUNCT
ajbmeb-1017	11	32	smes	sme	NOUN
ajbmeb-1017	11	33	)	)	PUNCT
ajbmeb-1017	11	34	.	.	PUNCT
ajbmeb-1017	12	1	in	in	ADP
ajbmeb-1017	12	2	asian	asian	ADJ
ajbmeb-1017	12	3	countries	country	NOUN
ajbmeb-1017	12	4	,	,	PUNCT
ajbmeb-1017	12	5	where	where	SCONJ
ajbmeb-1017	12	6	smes	sme	NOUN
ajbmeb-1017	12	7	make	make	VERB
ajbmeb-1017	12	8	up	up	ADP
ajbmeb-1017	12	9	a	a	DET
ajbmeb-1017	12	10	significant	significant	ADJ
ajbmeb-1017	12	11	portion	portion	NOUN
ajbmeb-1017	12	12	of	of	ADP
ajbmeb-1017	12	13	the	the	DET
ajbmeb-1017	12	14	economy	economy	NOUN
ajbmeb-1017	12	15	,	,	PUNCT
ajbmeb-1017	12	16	fintech	fintech	NOUN
ajbmeb-1017	12	17	has	have	VERB
ajbmeb-1017	12	18	the	the	DET
ajbmeb-1017	12	19	potential	potential	NOUN
ajbmeb-1017	12	20	to	to	PART
ajbmeb-1017	12	21	provide	provide	VERB
ajbmeb-1017	12	22	effective	effective	ADJ
ajbmeb-1017	12	23	solutions	solution	NOUN
ajbmeb-1017	12	24	to	to	ADP
ajbmeb-1017	12	25	some	some	PRON
ajbmeb-1017	12	26	of	of	ADP
ajbmeb-1017	12	27	the	the	DET
ajbmeb-1017	12	28	challenges	challenge	NOUN
ajbmeb-1017	12	29	these	these	DET
ajbmeb-1017	12	30	businesses	business	NOUN
ajbmeb-1017	12	31	face	face	VERB
ajbmeb-1017	12	32	,	,	PUNCT
ajbmeb-1017	12	33	such	such	ADJ
ajbmeb-1017	12	34	as	as	ADP
ajbmeb-1017	12	35	limited	limited	ADJ
ajbmeb-1017	12	36	access	access	NOUN
ajbmeb-1017	12	37	to	to	ADP
ajbmeb-1017	12	38	finance	finance	NOUN
ajbmeb-1017	12	39	and	and	CCONJ
ajbmeb-1017	12	40	complex	complex	ADJ
ajbmeb-1017	12	41	regulatory	regulatory	ADJ
ajbmeb-1017	12	42	requirements	requirement	NOUN
ajbmeb-1017	12	43	.	.	PUNCT
ajbmeb-1017	13	1	in	in	ADP
ajbmeb-1017	13	2	this	this	DET
ajbmeb-1017	13	3	article	article	NOUN
ajbmeb-1017	13	4	,	,	PUNCT
ajbmeb-1017	13	5	we	we	PRON
ajbmeb-1017	13	6	will	will	AUX
ajbmeb-1017	13	7	explore	explore	VERB
ajbmeb-1017	13	8	the	the	DET
ajbmeb-1017	13	9	impact	impact	NOUN
ajbmeb-1017	13	10	of	of	ADP
ajbmeb-1017	13	11	fintech	fintech	NOUN
ajbmeb-1017	13	12	on	on	ADP
ajbmeb-1017	13	13	smes	sme	NOUN
ajbmeb-1017	13	14	in	in	ADP
ajbmeb-1017	13	15	asian	asian	ADJ
ajbmeb-1017	13	16	countries	country	NOUN
ajbmeb-1017	13	17	and	and	CCONJ
ajbmeb-1017	13	18	discuss	discuss	VERB
ajbmeb-1017	13	19	whether	whether	SCONJ
ajbmeb-1017	13	20	it	it	PRON
ajbmeb-1017	13	21	is	be	AUX
ajbmeb-1017	13	22	providing	provide	VERB
ajbmeb-1017	13	23	effective	effective	ADJ
ajbmeb-1017	13	24	solutions	solution	NOUN
ajbmeb-1017	13	25	to	to	ADP
ajbmeb-1017	13	26	their	their	PRON
ajbmeb-1017	13	27	financial	financial	ADJ
ajbmeb-1017	13	28	needs	need	NOUN
ajbmeb-1017	13	29	.	.	PUNCT
ajbmeb-1017	14	1	research	research	NOUN
ajbmeb-1017	14	2	:	:	PUNCT
ajbmeb-1017	14	3	smes	sme	NOUN
ajbmeb-1017	14	4	should	should	AUX
ajbmeb-1017	14	5	conduct	conduct	VERB
ajbmeb-1017	14	6	research	research	NOUN
ajbmeb-1017	14	7	to	to	PART
ajbmeb-1017	14	8	identify	identify	VERB
ajbmeb-1017	14	9	the	the	DET
ajbmeb-1017	14	10	fintech	fintech	NOUN
ajbmeb-1017	14	11	solutions	solution	NOUN
ajbmeb-1017	14	12	that	that	PRON
ajbmeb-1017	14	13	are	be	AUX
ajbmeb-1017	14	14	most	most	ADV
ajbmeb-1017	14	15	relevant	relevant	ADJ
ajbmeb-1017	14	16	to	to	ADP
ajbmeb-1017	14	17	their	their	PRON
ajbmeb-1017	14	18	business	business	NOUN
ajbmeb-1017	14	19	needs	need	NOUN
ajbmeb-1017	14	20	.	.	PUNCT
ajbmeb-1017	15	1	this	this	PRON
ajbmeb-1017	15	2	can	can	AUX
ajbmeb-1017	15	3	include	include	VERB
ajbmeb-1017	15	4	researching	research	VERB
ajbmeb-1017	15	5	different	different	ADJ
ajbmeb-1017	15	6	platforms	platform	NOUN
ajbmeb-1017	15	7	,	,	PUNCT
ajbmeb-1017	15	8	tools	tool	NOUN
ajbmeb-1017	15	9	,	,	PUNCT
ajbmeb-1017	15	10	and	and	CCONJ
ajbmeb-1017	15	11	services	service	NOUN
ajbmeb-1017	15	12	that	that	PRON
ajbmeb-1017	15	13	can	can	AUX
ajbmeb-1017	15	14	help	help	VERB
ajbmeb-1017	15	15	them	they	PRON
ajbmeb-1017	15	16	improve	improve	VERB
ajbmeb-1017	15	17	their	their	PRON
ajbmeb-1017	15	18	operations	operation	NOUN
ajbmeb-1017	15	19	.	.	PUNCT
ajbmeb-1017	16	1	2	2	X
ajbmeb-1017	16	2	.	.	X
ajbmeb-1017	16	3	seek	seek	VERB
ajbmeb-1017	16	4	advice	advice	NOUN
ajbmeb-1017	16	5	:	:	PUNCT
ajbmeb-1017	16	6	smes	sme	NOUN
ajbmeb-1017	16	7	can	can	AUX
ajbmeb-1017	16	8	seek	seek	VERB
ajbmeb-1017	16	9	advice	advice	NOUN
ajbmeb-1017	16	10	from	from	ADP
ajbmeb-1017	16	11	industry	industry	NOUN
ajbmeb-1017	16	12	associations	association	NOUN
ajbmeb-1017	16	13	,	,	PUNCT
ajbmeb-1017	16	14	government	government	NOUN
ajbmeb-1017	16	15	agencies	agency	NOUN
ajbmeb-1017	16	16	,	,	PUNCT
ajbmeb-1017	16	17	and	and	CCONJ
ajbmeb-1017	16	18	fintech	fintech	NOUN
ajbmeb-1017	16	19	experts	expert	NOUN
ajbmeb-1017	16	20	to	to	PART
ajbmeb-1017	16	21	help	help	VERB
ajbmeb-1017	16	22	them	they	PRON
ajbmeb-1017	16	23	understand	understand	VERB
ajbmeb-1017	16	24	the	the	DET
ajbmeb-1017	16	25	benefits	benefit	NOUN
ajbmeb-1017	16	26	and	and	CCONJ
ajbmeb-1017	16	27	risks	risk	NOUN
ajbmeb-1017	16	28	associated	associate	VERB
ajbmeb-1017	16	29	with	with	ADP
ajbmeb-1017	16	30	adopting	adopt	VERB
ajbmeb-1017	16	31	fintech	fintech	NOUN
ajbmeb-1017	16	32	solutions	solution	NOUN
ajbmeb-1017	16	33	.	.	PUNCT
ajbmeb-1017	17	1	american	american	ADJ
ajbmeb-1017	17	2	journal	journal	PROPN
ajbmeb-1017	17	3	of	of	ADP
ajbmeb-1017	17	4	business	business	NOUN
ajbmeb-1017	17	5	management	management	NOUN
ajbmeb-1017	17	6	,	,	PUNCT
ajbmeb-1017	17	7	economics	economic	NOUN
ajbmeb-1017	17	8	and	and	CCONJ
ajbmeb-1017	17	9	banking	banking	NOUN
ajbmeb-1017	17	10	volume	volume	NOUN
ajbmeb-1017	17	11	13	13	NUM
ajbmeb-1017	17	12	june	june	PROPN
ajbmeb-1017	17	13	,	,	PUNCT
ajbmeb-1017	17	14	2023	2023	NUM
ajbmeb-1017	17	15	p	p	NOUN
ajbmeb-1017	17	16	a	a	DET
ajbmeb-1017	17	17	g	g	NOUN
ajbmeb-1017	17	18	e	e	NOUN
ajbmeb-1017	17	19	|	|	ADV
ajbmeb-1017	17	20	119	119	NUM
ajbmeb-1017	17	21	www.americanjournal.org	www.americanjournal.org	PROPN
ajbmeb-1017	17	22	3	3	NUM
ajbmeb-1017	17	23	.	.	PUNCT
ajbmeb-1017	17	24	develop	develop	VERB
ajbmeb-1017	17	25	a	a	DET
ajbmeb-1017	17	26	plan	plan	NOUN
ajbmeb-1017	17	27	:	:	PUNCT
ajbmeb-1017	17	28	smes	sme	NOUN
ajbmeb-1017	17	29	should	should	AUX
ajbmeb-1017	17	30	develop	develop	VERB
ajbmeb-1017	17	31	a	a	DET
ajbmeb-1017	17	32	plan	plan	NOUN
ajbmeb-1017	17	33	for	for	ADP
ajbmeb-1017	17	34	implementing	implement	VERB
ajbmeb-1017	17	35	fintech	fintech	NOUN
ajbmeb-1017	17	36	solutions	solution	NOUN
ajbmeb-1017	17	37	that	that	PRON
ajbmeb-1017	17	38	is	be	AUX
ajbmeb-1017	17	39	tailored	tailor	VERB
ajbmeb-1017	17	40	to	to	ADP
ajbmeb-1017	17	41	their	their	PRON
ajbmeb-1017	17	42	specific	specific	ADJ
ajbmeb-1017	17	43	needs	need	NOUN
ajbmeb-1017	17	44	and	and	CCONJ
ajbmeb-1017	17	45	goals	goal	NOUN
ajbmeb-1017	17	46	.	.	PUNCT
ajbmeb-1017	18	1	this	this	PRON
ajbmeb-1017	18	2	can	can	AUX
ajbmeb-1017	18	3	include	include	VERB
ajbmeb-1017	18	4	identifying	identify	VERB
ajbmeb-1017	18	5	key	key	ADJ
ajbmeb-1017	18	6	performance	performance	NOUN
ajbmeb-1017	18	7	indicators	indicator	NOUN
ajbmeb-1017	18	8	,	,	PUNCT
ajbmeb-1017	18	9	setting	set	VERB
ajbmeb-1017	18	10	timelines	timeline	NOUN
ajbmeb-1017	18	11	,	,	PUNCT
ajbmeb-1017	18	12	and	and	CCONJ
ajbmeb-1017	18	13	allocating	allocate	VERB
ajbmeb-1017	18	14	resources	resource	NOUN
ajbmeb-1017	18	15	.	.	PUNCT
ajbmeb-1017	19	1	4	4	X
ajbmeb-1017	19	2	.	.	X
ajbmeb-1017	19	3	train	train	NOUN
ajbmeb-1017	19	4	employees	employee	NOUN
ajbmeb-1017	19	5	:	:	PUNCT
ajbmeb-1017	19	6	smes	sme	NOUN
ajbmeb-1017	19	7	should	should	AUX
ajbmeb-1017	19	8	provide	provide	VERB
ajbmeb-1017	19	9	training	training	NOUN
ajbmeb-1017	19	10	to	to	ADP
ajbmeb-1017	19	11	their	their	PRON
ajbmeb-1017	19	12	employees	employee	NOUN
ajbmeb-1017	19	13	to	to	PART
ajbmeb-1017	19	14	ensure	ensure	VERB
ajbmeb-1017	19	15	they	they	PRON
ajbmeb-1017	19	16	are	be	AUX
ajbmeb-1017	19	17	comfortable	comfortable	ADJ
ajbmeb-1017	19	18	using	use	VERB
ajbmeb-1017	19	19	new	new	ADJ
ajbmeb-1017	19	20	fintech	fintech	NOUN
ajbmeb-1017	19	21	solutions	solution	NOUN
ajbmeb-1017	19	22	.	.	PUNCT
ajbmeb-1017	20	1	this	this	PRON
ajbmeb-1017	20	2	can	can	AUX
ajbmeb-1017	20	3	include	include	VERB
ajbmeb-1017	20	4	providing	provide	VERB
ajbmeb-1017	20	5	hands	hand	NOUN
ajbmeb-1017	20	6	-	-	PUNCT
ajbmeb-1017	20	7	on	on	ADP
ajbmeb-1017	20	8	training	training	NOUN
ajbmeb-1017	20	9	,	,	PUNCT
ajbmeb-1017	20	10	online	online	ADJ
ajbmeb-1017	20	11	resources	resource	NOUN
ajbmeb-1017	20	12	,	,	PUNCT
ajbmeb-1017	20	13	and	and	CCONJ
ajbmeb-1017	20	14	support	support	NOUN
ajbmeb-1017	20	15	from	from	ADP
ajbmeb-1017	20	16	fintech	fintech	NOUN
ajbmeb-1017	20	17	providers	provider	NOUN
ajbmeb-1017	20	18	.	.	PUNCT
ajbmeb-1017	21	1	5	5	X
ajbmeb-1017	21	2	.	.	X
ajbmeb-1017	21	3	monitor	monitor	NOUN
ajbmeb-1017	21	4	performance	performance	NOUN
ajbmeb-1017	21	5	:	:	PUNCT
ajbmeb-1017	21	6	smes	sme	NOUN
ajbmeb-1017	21	7	should	should	AUX
ajbmeb-1017	21	8	regularly	regularly	ADV
ajbmeb-1017	21	9	monitor	monitor	VERB
ajbmeb-1017	21	10	the	the	DET
ajbmeb-1017	21	11	performance	performance	NOUN
ajbmeb-1017	21	12	of	of	ADP
ajbmeb-1017	21	13	their	their	PRON
ajbmeb-1017	21	14	fintech	fintech	NOUN
ajbmeb-1017	21	15	solutions	solution	NOUN
ajbmeb-1017	21	16	to	to	PART
ajbmeb-1017	21	17	ensure	ensure	VERB
ajbmeb-1017	21	18	they	they	PRON
ajbmeb-1017	21	19	are	be	AUX
ajbmeb-1017	21	20	achieving	achieve	VERB
ajbmeb-1017	21	21	their	their	PRON
ajbmeb-1017	21	22	intended	intend	VERB
ajbmeb-1017	21	23	goals	goal	NOUN
ajbmeb-1017	21	24	.	.	PUNCT
ajbmeb-1017	22	1	this	this	PRON
ajbmeb-1017	22	2	can	can	AUX
ajbmeb-1017	22	3	include	include	VERB
ajbmeb-1017	22	4	tracking	track	VERB
ajbmeb-1017	22	5	key	key	ADJ
ajbmeb-1017	22	6	metrics	metric	NOUN
ajbmeb-1017	22	7	,	,	PUNCT
ajbmeb-1017	22	8	analyzing	analyze	VERB
ajbmeb-1017	22	9	data	datum	NOUN
ajbmeb-1017	22	10	,	,	PUNCT
ajbmeb-1017	22	11	and	and	CCONJ
ajbmeb-1017	22	12	making	make	VERB
ajbmeb-1017	22	13	adjustments	adjustment	NOUN
ajbmeb-1017	22	14	as	as	SCONJ
ajbmeb-1017	22	15	needed	need	VERB
ajbmeb-1017	22	16	.	.	PUNCT
ajbmeb-1017	23	1	by	by	ADP
ajbmeb-1017	23	2	following	follow	VERB
ajbmeb-1017	23	3	these	these	DET
ajbmeb-1017	23	4	methods	method	NOUN
ajbmeb-1017	23	5	,	,	PUNCT
ajbmeb-1017	23	6	smes	sme	NOUN
ajbmeb-1017	23	7	in	in	ADP
ajbmeb-1017	23	8	asian	asian	ADJ
ajbmeb-1017	23	9	nations	nation	NOUN
ajbmeb-1017	23	10	can	can	AUX
ajbmeb-1017	23	11	effectively	effectively	ADV
ajbmeb-1017	23	12	adopt	adopt	VERB
ajbmeb-1017	23	13	fintech	fintech	NOUN
ajbmeb-1017	23	14	solutions	solution	NOUN
ajbmeb-1017	23	15	to	to	PART
ajbmeb-1017	23	16	improve	improve	VERB
ajbmeb-1017	23	17	their	their	PRON
ajbmeb-1017	23	18	operations	operation	NOUN
ajbmeb-1017	23	19	,	,	PUNCT
ajbmeb-1017	23	20	increase	increase	VERB
ajbmeb-1017	23	21	efficiency	efficiency	NOUN
ajbmeb-1017	23	22	,	,	PUNCT
ajbmeb-1017	23	23	and	and	CCONJ
ajbmeb-1017	23	24	stay	stay	VERB
ajbmeb-1017	23	25	competitive	competitive	ADJ
ajbmeb-1017	23	26	in	in	ADP
ajbmeb-1017	23	27	the	the	DET
ajbmeb-1017	23	28	marketplace	marketplace	NOUN
ajbmeb-1017	23	29	.	.	PUNCT
ajbmeb-1017	24	1	small	small	ADJ
ajbmeb-1017	24	2	and	and	CCONJ
ajbmeb-1017	24	3	medium	medium	ADJ
ajbmeb-1017	24	4	-	-	PUNCT
ajbmeb-1017	24	5	sized	sized	ADJ
ajbmeb-1017	24	6	businesses	business	NOUN
ajbmeb-1017	24	7	(	(	PUNCT
ajbmeb-1017	24	8	smes	sme	NOUN
ajbmeb-1017	24	9	)	)	PUNCT
ajbmeb-1017	24	10	in	in	ADP
ajbmeb-1017	24	11	asian	asian	ADJ
ajbmeb-1017	24	12	nations	nation	NOUN
ajbmeb-1017	24	13	can	can	AUX
ajbmeb-1017	24	14	benefit	benefit	VERB
ajbmeb-1017	24	15	greatly	greatly	ADV
ajbmeb-1017	24	16	from	from	ADP
ajbmeb-1017	24	17	the	the	DET
ajbmeb-1017	24	18	efficient	efficient	ADJ
ajbmeb-1017	24	19	solutions	solution	NOUN
ajbmeb-1017	24	20	offered	offer	VERB
ajbmeb-1017	24	21	by	by	ADP
ajbmeb-1017	24	22	fintech	fintech	NOUN
ajbmeb-1017	24	23	.	.	PUNCT
ajbmeb-1017	25	1	by	by	ADP
ajbmeb-1017	25	2	adopting	adopt	VERB
ajbmeb-1017	25	3	fintech	fintech	NOUN
ajbmeb-1017	25	4	solutions	solution	NOUN
ajbmeb-1017	25	5	,	,	PUNCT
ajbmeb-1017	25	6	smes	sme	NOUN
ajbmeb-1017	25	7	can	can	AUX
ajbmeb-1017	25	8	streamline	streamline	VERB
ajbmeb-1017	25	9	their	their	PRON
ajbmeb-1017	25	10	operations	operation	NOUN
ajbmeb-1017	25	11	,	,	PUNCT
ajbmeb-1017	25	12	reduce	reduce	VERB
ajbmeb-1017	25	13	costs	cost	NOUN
ajbmeb-1017	25	14	,	,	PUNCT
ajbmeb-1017	25	15	and	and	CCONJ
ajbmeb-1017	25	16	improve	improve	VERB
ajbmeb-1017	25	17	customer	customer	NOUN
ajbmeb-1017	25	18	experiences	experience	NOUN
ajbmeb-1017	25	19	.	.	PUNCT
ajbmeb-1017	26	1	fintech	fintech	NOUN
ajbmeb-1017	26	2	can	can	AUX
ajbmeb-1017	26	3	help	help	VERB
ajbmeb-1017	26	4	smes	sme	NOUN
ajbmeb-1017	26	5	access	access	VERB
ajbmeb-1017	26	6	new	new	ADJ
ajbmeb-1017	26	7	markets	market	NOUN
ajbmeb-1017	26	8	,	,	PUNCT
ajbmeb-1017	26	9	increase	increase	VERB
ajbmeb-1017	26	10	their	their	PRON
ajbmeb-1017	26	11	competitiveness	competitiveness	NOUN
ajbmeb-1017	26	12	,	,	PUNCT
ajbmeb-1017	26	13	and	and	CCONJ
ajbmeb-1017	26	14	grow	grow	VERB
ajbmeb-1017	26	15	their	their	PRON
ajbmeb-1017	26	16	businesses	business	NOUN
ajbmeb-1017	26	17	.	.	PUNCT
ajbmeb-1017	27	1	with	with	ADP
ajbmeb-1017	27	2	the	the	DET
ajbmeb-1017	27	3	right	right	ADJ
ajbmeb-1017	27	4	research	research	NOUN
ajbmeb-1017	27	5	,	,	PUNCT
ajbmeb-1017	27	6	advice	advice	NOUN
ajbmeb-1017	27	7	,	,	PUNCT
ajbmeb-1017	27	8	planning	planning	NOUN
ajbmeb-1017	27	9	,	,	PUNCT
ajbmeb-1017	27	10	training	training	NOUN
ajbmeb-1017	27	11	,	,	PUNCT
ajbmeb-1017	27	12	and	and	CCONJ
ajbmeb-1017	27	13	monitoring	monitoring	NOUN
ajbmeb-1017	27	14	,	,	PUNCT
ajbmeb-1017	27	15	smes	sme	NOUN
ajbmeb-1017	27	16	can	can	AUX
ajbmeb-1017	27	17	effectively	effectively	ADV
ajbmeb-1017	27	18	adopt	adopt	VERB
ajbmeb-1017	27	19	fintech	fintech	NOUN
ajbmeb-1017	27	20	solutions	solution	NOUN
ajbmeb-1017	27	21	and	and	CCONJ
ajbmeb-1017	27	22	reap	reap	VERB
ajbmeb-1017	27	23	the	the	DET
ajbmeb-1017	27	24	benefits	benefit	NOUN
ajbmeb-1017	27	25	of	of	ADP
ajbmeb-1017	27	26	this	this	DET
ajbmeb-1017	27	27	rapidly	rapidly	ADV
ajbmeb-1017	27	28	evolving	evolve	VERB
ajbmeb-1017	27	29	industry	industry	NOUN
ajbmeb-1017	27	30	.	.	PUNCT
ajbmeb-1017	28	1	small	small	ADJ
ajbmeb-1017	28	2	and	and	CCONJ
ajbmeb-1017	28	3	medium	medium	ADJ
ajbmeb-1017	28	4	-	-	PUNCT
ajbmeb-1017	28	5	sized	sized	ADJ
ajbmeb-1017	28	6	businesses	business	NOUN
ajbmeb-1017	28	7	(	(	PUNCT
ajbmeb-1017	28	8	smes	sme	NOUN
ajbmeb-1017	28	9	)	)	PUNCT
ajbmeb-1017	28	10	are	be	AUX
ajbmeb-1017	28	11	the	the	DET
ajbmeb-1017	28	12	backbone	backbone	NOUN
ajbmeb-1017	28	13	of	of	ADP
ajbmeb-1017	28	14	many	many	ADJ
ajbmeb-1017	28	15	asian	asian	ADJ
ajbmeb-1017	28	16	economies	economy	NOUN
ajbmeb-1017	28	17	,	,	PUNCT
ajbmeb-1017	28	18	providing	provide	VERB
ajbmeb-1017	28	19	employment	employment	NOUN
ajbmeb-1017	28	20	opportunities	opportunity	NOUN
ajbmeb-1017	28	21	and	and	CCONJ
ajbmeb-1017	28	22	contributing	contribute	VERB
ajbmeb-1017	28	23	to	to	ADP
ajbmeb-1017	28	24	economic	economic	ADJ
ajbmeb-1017	28	25	growth	growth	NOUN
ajbmeb-1017	28	26	.	.	PUNCT
ajbmeb-1017	29	1	however	however	ADV
ajbmeb-1017	29	2	,	,	PUNCT
ajbmeb-1017	29	3	these	these	DET
ajbmeb-1017	29	4	businesses	business	NOUN
ajbmeb-1017	29	5	often	often	ADV
ajbmeb-1017	29	6	face	face	VERB
ajbmeb-1017	29	7	challenges	challenge	NOUN
ajbmeb-1017	29	8	in	in	ADP
ajbmeb-1017	29	9	accessing	access	VERB
ajbmeb-1017	29	10	finance	finance	NOUN
ajbmeb-1017	29	11	,	,	PUNCT
ajbmeb-1017	29	12	managing	manage	VERB
ajbmeb-1017	29	13	cash	cash	NOUN
ajbmeb-1017	29	14	flow	flow	NOUN
ajbmeb-1017	29	15	,	,	PUNCT
ajbmeb-1017	29	16	and	and	CCONJ
ajbmeb-1017	29	17	competing	compete	VERB
ajbmeb-1017	29	18	with	with	ADP
ajbmeb-1017	29	19	larger	large	ADJ
ajbmeb-1017	29	20	companies	company	NOUN
ajbmeb-1017	29	21	.	.	PUNCT
ajbmeb-1017	30	1	this	this	PRON
ajbmeb-1017	30	2	is	be	AUX
ajbmeb-1017	30	3	where	where	SCONJ
ajbmeb-1017	30	4	fintech	fintech	NOUN
ajbmeb-1017	30	5	comes	come	VERB
ajbmeb-1017	30	6	in	in	ADP
ajbmeb-1017	30	7	as	as	ADP
ajbmeb-1017	30	8	a	a	DET
ajbmeb-1017	30	9	game	game	NOUN
ajbmeb-1017	30	10	-	-	PUNCT
ajbmeb-1017	30	11	changer	changer	NOUN
ajbmeb-1017	30	12	for	for	ADP
ajbmeb-1017	30	13	smes	sme	NOUN
ajbmeb-1017	30	14	.	.	PUNCT
ajbmeb-1017	31	1	fintech	fintech	NOUN
ajbmeb-1017	31	2	solutions	solution	NOUN
ajbmeb-1017	31	3	offer	offer	VERB
ajbmeb-1017	31	4	smes	sme	NOUN
ajbmeb-1017	31	5	efficient	efficient	ADJ
ajbmeb-1017	31	6	and	and	CCONJ
ajbmeb-1017	31	7	cost	cost	NOUN
ajbmeb-1017	31	8	-	-	PUNCT
ajbmeb-1017	31	9	effective	effective	ADJ
ajbmeb-1017	31	10	ways	way	NOUN
ajbmeb-1017	31	11	to	to	PART
ajbmeb-1017	31	12	manage	manage	VERB
ajbmeb-1017	31	13	their	their	PRON
ajbmeb-1017	31	14	finances	finance	NOUN
ajbmeb-1017	31	15	,	,	PUNCT
ajbmeb-1017	31	16	access	access	VERB
ajbmeb-1017	31	17	new	new	ADJ
ajbmeb-1017	31	18	markets	market	NOUN
ajbmeb-1017	31	19	,	,	PUNCT
ajbmeb-1017	31	20	and	and	CCONJ
ajbmeb-1017	31	21	improve	improve	VERB
ajbmeb-1017	31	22	customer	customer	NOUN
ajbmeb-1017	31	23	experiences	experience	NOUN
ajbmeb-1017	31	24	.	.	PUNCT
ajbmeb-1017	32	1	for	for	ADP
ajbmeb-1017	32	2	instance	instance	NOUN
ajbmeb-1017	32	3	,	,	PUNCT
ajbmeb-1017	32	4	online	online	ADJ
ajbmeb-1017	32	5	payment	payment	NOUN
ajbmeb-1017	32	6	systems	system	NOUN
ajbmeb-1017	32	7	can	can	AUX
ajbmeb-1017	32	8	help	help	VERB
ajbmeb-1017	32	9	smes	sme	NOUN
ajbmeb-1017	32	10	receive	receive	VERB
ajbmeb-1017	32	11	payments	payment	NOUN
ajbmeb-1017	32	12	quickly	quickly	ADV
ajbmeb-1017	32	13	and	and	CCONJ
ajbmeb-1017	32	14	securely	securely	ADV
ajbmeb-1017	32	15	,	,	PUNCT
ajbmeb-1017	32	16	while	while	SCONJ
ajbmeb-1017	32	17	digital	digital	ADJ
ajbmeb-1017	32	18	lending	lending	NOUN
ajbmeb-1017	32	19	platforms	platform	NOUN
ajbmeb-1017	32	20	can	can	AUX
ajbmeb-1017	32	21	provide	provide	VERB
ajbmeb-1017	32	22	them	they	PRON
ajbmeb-1017	32	23	with	with	ADP
ajbmeb-1017	32	24	muchneeded	muchneede	VERB
ajbmeb-1017	32	25	capital	capital	NOUN
ajbmeb-1017	32	26	to	to	PART
ajbmeb-1017	32	27	grow	grow	VERB
ajbmeb-1017	32	28	their	their	PRON
ajbmeb-1017	32	29	businesses	business	NOUN
ajbmeb-1017	32	30	.	.	PUNCT
ajbmeb-1017	33	1	fintech	fintech	NOUN
ajbmeb-1017	33	2	can	can	AUX
ajbmeb-1017	33	3	also	also	ADV
ajbmeb-1017	33	4	help	help	VERB
ajbmeb-1017	33	5	smes	sme	NOUN
ajbmeb-1017	33	6	reduce	reduce	VERB
ajbmeb-1017	33	7	operational	operational	ADJ
ajbmeb-1017	33	8	costs	cost	NOUN
ajbmeb-1017	33	9	by	by	ADP
ajbmeb-1017	33	10	automating	automate	VERB
ajbmeb-1017	33	11	processes	process	NOUN
ajbmeb-1017	33	12	such	such	ADJ
ajbmeb-1017	33	13	as	as	ADP
ajbmeb-1017	33	14	accounting	accounting	NOUN
ajbmeb-1017	33	15	and	and	CCONJ
ajbmeb-1017	33	16	inventory	inventory	NOUN
ajbmeb-1017	33	17	management	management	NOUN
ajbmeb-1017	33	18	.	.	PUNCT
ajbmeb-1017	34	1	moreover	moreover	ADV
ajbmeb-1017	34	2	,	,	PUNCT
ajbmeb-1017	34	3	fintech	fintech	NOUN
ajbmeb-1017	34	4	can	can	AUX
ajbmeb-1017	34	5	help	help	VERB
ajbmeb-1017	34	6	smes	sme	NOUN
ajbmeb-1017	34	7	expand	expand	VERB
ajbmeb-1017	34	8	their	their	PRON
ajbmeb-1017	34	9	reach	reach	NOUN
ajbmeb-1017	34	10	beyond	beyond	ADP
ajbmeb-1017	34	11	their	their	PRON
ajbmeb-1017	34	12	local	local	ADJ
ajbmeb-1017	34	13	markets	market	NOUN
ajbmeb-1017	34	14	.	.	PUNCT
ajbmeb-1017	35	1	with	with	ADP
ajbmeb-1017	35	2	the	the	DET
ajbmeb-1017	35	3	rise	rise	NOUN
ajbmeb-1017	35	4	of	of	ADP
ajbmeb-1017	35	5	ecommerce	ecommerce	NOUN
ajbmeb-1017	35	6	and	and	CCONJ
ajbmeb-1017	35	7	mobile	mobile	PROPN
ajbmeb-1017	35	8	commerce	commerce	PROPN
ajbmeb-1017	35	9	,	,	PUNCT
ajbmeb-1017	35	10	smes	sme	NOUN
ajbmeb-1017	35	11	can	can	AUX
ajbmeb-1017	35	12	now	now	ADV
ajbmeb-1017	35	13	sell	sell	VERB
ajbmeb-1017	35	14	their	their	PRON
ajbmeb-1017	35	15	products	product	NOUN
ajbmeb-1017	35	16	and	and	CCONJ
ajbmeb-1017	35	17	services	service	NOUN
ajbmeb-1017	35	18	globally	globally	ADV
ajbmeb-1017	35	19	,	,	PUNCT
ajbmeb-1017	35	20	reaching	reach	VERB
ajbmeb-1017	35	21	customers	customer	NOUN
ajbmeb-1017	35	22	in	in	ADP
ajbmeb-1017	35	23	other	other	ADJ
ajbmeb-1017	35	24	countries	country	NOUN
ajbmeb-1017	35	25	without	without	ADP
ajbmeb-1017	35	26	the	the	DET
ajbmeb-1017	35	27	need	need	NOUN
ajbmeb-1017	35	28	for	for	ADP
ajbmeb-1017	35	29	physical	physical	ADJ
ajbmeb-1017	35	30	presence	presence	NOUN
ajbmeb-1017	35	31	.	.	PUNCT
ajbmeb-1017	36	1	fintech	fintech	NOUN
ajbmeb-1017	36	2	solutions	solution	NOUN
ajbmeb-1017	36	3	such	such	ADJ
ajbmeb-1017	36	4	as	as	ADP
ajbmeb-1017	36	5	crossborder	crossborder	NOUN
ajbmeb-1017	36	6	payment	payment	NOUN
ajbmeb-1017	36	7	systems	system	NOUN
ajbmeb-1017	36	8	and	and	CCONJ
ajbmeb-1017	36	9	currency	currency	NOUN
ajbmeb-1017	36	10	exchange	exchange	NOUN
ajbmeb-1017	36	11	platforms	platform	NOUN
ajbmeb-1017	36	12	make	make	VERB
ajbmeb-1017	36	13	it	it	PRON
ajbmeb-1017	36	14	easier	easy	ADJ
ajbmeb-1017	36	15	for	for	SCONJ
ajbmeb-1017	36	16	smes	sme	NOUN
ajbmeb-1017	36	17	to	to	PART
ajbmeb-1017	36	18	transact	transact	VERB
ajbmeb-1017	36	19	with	with	ADP
ajbmeb-1017	36	20	customers	customer	NOUN
ajbmeb-1017	36	21	and	and	CCONJ
ajbmeb-1017	36	22	suppliers	supplier	NOUN
ajbmeb-1017	36	23	in	in	ADP
ajbmeb-1017	36	24	different	different	ADJ
ajbmeb-1017	36	25	parts	part	NOUN
ajbmeb-1017	36	26	of	of	ADP
ajbmeb-1017	36	27	the	the	DET
ajbmeb-1017	36	28	world	world	NOUN
ajbmeb-1017	36	29	.	.	PUNCT
ajbmeb-1017	37	1	however	however	ADV
ajbmeb-1017	37	2	,	,	PUNCT
ajbmeb-1017	37	3	for	for	SCONJ
ajbmeb-1017	37	4	smes	sme	NOUN
ajbmeb-1017	37	5	to	to	PART
ajbmeb-1017	37	6	fully	fully	ADV
ajbmeb-1017	37	7	benefit	benefit	VERB
ajbmeb-1017	37	8	from	from	ADP
ajbmeb-1017	37	9	fintech	fintech	NOUN
ajbmeb-1017	37	10	,	,	PUNCT
ajbmeb-1017	37	11	they	they	PRON
ajbmeb-1017	37	12	need	need	VERB
ajbmeb-1017	37	13	to	to	PART
ajbmeb-1017	37	14	be	be	AUX
ajbmeb-1017	37	15	well	well	ADV
ajbmeb-1017	37	16	-	-	PUNCT
ajbmeb-1017	37	17	informed	inform	VERB
ajbmeb-1017	37	18	about	about	ADP
ajbmeb-1017	37	19	the	the	DET
ajbmeb-1017	37	20	available	available	ADJ
ajbmeb-1017	37	21	solutions	solution	NOUN
ajbmeb-1017	37	22	and	and	CCONJ
ajbmeb-1017	37	23	how	how	SCONJ
ajbmeb-1017	37	24	to	to	PART
ajbmeb-1017	37	25	use	use	VERB
ajbmeb-1017	37	26	them	they	PRON
ajbmeb-1017	37	27	effectively	effectively	ADV
ajbmeb-1017	37	28	.	.	PUNCT
ajbmeb-1017	38	1	this	this	PRON
ajbmeb-1017	38	2	requires	require	VERB
ajbmeb-1017	38	3	research	research	NOUN
ajbmeb-1017	38	4	,	,	PUNCT
ajbmeb-1017	38	5	advice	advice	NOUN
ajbmeb-1017	38	6	,	,	PUNCT
ajbmeb-1017	38	7	planning	planning	NOUN
ajbmeb-1017	38	8	,	,	PUNCT
ajbmeb-1017	38	9	training	training	NOUN
ajbmeb-1017	38	10	,	,	PUNCT
ajbmeb-1017	38	11	and	and	CCONJ
ajbmeb-1017	38	12	monitoring	monitoring	NOUN
ajbmeb-1017	38	13	.	.	PUNCT
ajbmeb-1017	39	1	smes	sme	NOUN
ajbmeb-1017	39	2	need	need	VERB
ajbmeb-1017	39	3	to	to	PART
ajbmeb-1017	39	4	identify	identify	VERB
ajbmeb-1017	39	5	their	their	PRON
ajbmeb-1017	39	6	specific	specific	ADJ
ajbmeb-1017	39	7	needs	need	NOUN
ajbmeb-1017	39	8	and	and	CCONJ
ajbmeb-1017	39	9	choose	choose	VERB
ajbmeb-1017	39	10	fintech	fintech	NOUN
ajbmeb-1017	39	11	solutions	solution	NOUN
ajbmeb-1017	39	12	that	that	PRON
ajbmeb-1017	39	13	are	be	AUX
ajbmeb-1017	39	14	tailored	tailor	VERB
ajbmeb-1017	39	15	to	to	ADP
ajbmeb-1017	39	16	their	their	PRON
ajbmeb-1017	39	17	businesses	business	NOUN
ajbmeb-1017	39	18	.	.	PUNCT
ajbmeb-1017	40	1	they	they	PRON
ajbmeb-1017	40	2	also	also	ADV
ajbmeb-1017	40	3	need	need	VERB
ajbmeb-1017	40	4	to	to	PART
ajbmeb-1017	40	5	ensure	ensure	VERB
ajbmeb-1017	40	6	that	that	SCONJ
ajbmeb-1017	40	7	they	they	PRON
ajbmeb-1017	40	8	have	have	VERB
ajbmeb-1017	40	9	the	the	DET
ajbmeb-1017	40	10	necessary	necessary	ADJ
ajbmeb-1017	40	11	skills	skill	NOUN
ajbmeb-1017	40	12	and	and	CCONJ
ajbmeb-1017	40	13	knowledge	knowledge	NOUN
ajbmeb-1017	40	14	to	to	PART
ajbmeb-1017	40	15	use	use	VERB
ajbmeb-1017	40	16	these	these	DET
ajbmeb-1017	40	17	solutions	solution	NOUN
ajbmeb-1017	40	18	effectively	effectively	ADV
ajbmeb-1017	40	19	.	.	PUNCT
ajbmeb-1017	41	1	fintech	fintech	NOUN
ajbmeb-1017	41	2	refers	refer	VERB
ajbmeb-1017	41	3	to	to	ADP
ajbmeb-1017	41	4	any	any	DET
ajbmeb-1017	41	5	company	company	NOUN
ajbmeb-1017	41	6	that	that	PRON
ajbmeb-1017	41	7	uses	use	VERB
ajbmeb-1017	41	8	technology	technology	NOUN
ajbmeb-1017	41	9	to	to	PART
ajbmeb-1017	41	10	improve	improve	VERB
ajbmeb-1017	41	11	financial	financial	ADJ
ajbmeb-1017	41	12	services	service	NOUN
ajbmeb-1017	41	13	and	and	CCONJ
ajbmeb-1017	41	14	advancements	advancement	NOUN
ajbmeb-1017	41	15	through	through	ADP
ajbmeb-1017	41	16	automation	automation	NOUN
ajbmeb-1017	41	17	.	.	PUNCT
ajbmeb-1017	42	1	it	it	PRON
ajbmeb-1017	42	2	is	be	AUX
ajbmeb-1017	42	3	the	the	DET
ajbmeb-1017	42	4	synthesis	synthesis	NOUN
ajbmeb-1017	42	5	of	of	ADP
ajbmeb-1017	42	6	financial	financial	ADJ
ajbmeb-1017	42	7	amenities	amenity	NOUN
ajbmeb-1017	42	8	with	with	ADP
ajbmeb-1017	42	9	cutting	cut	VERB
ajbmeb-1017	42	10	-	-	PUNCT
ajbmeb-1017	42	11	edge	edge	NOUN
ajbmeb-1017	42	12	technology	technology	NOUN
ajbmeb-1017	42	13	.	.	PUNCT
ajbmeb-1017	43	1	fintech	fintech	NOUN
ajbmeb-1017	43	2	is	be	AUX
ajbmeb-1017	43	3	a	a	DET
ajbmeb-1017	43	4	quickly	quickly	ADV
ajbmeb-1017	43	5	expanding	expand	VERB
ajbmeb-1017	43	6	sector	sector	NOUN
ajbmeb-1017	43	7	that	that	PRON
ajbmeb-1017	43	8	offers	offer	VERB
ajbmeb-1017	43	9	several	several	ADJ
ajbmeb-1017	43	10	advantages	advantage	NOUN
ajbmeb-1017	43	11	to	to	ADP
ajbmeb-1017	43	12	both	both	DET
ajbmeb-1017	43	13	businesses	business	NOUN
ajbmeb-1017	43	14	and	and	CCONJ
ajbmeb-1017	43	15	consumers	consumer	NOUN
ajbmeb-1017	43	16	.	.	PUNCT
ajbmeb-1017	44	1	according	accord	VERB
ajbmeb-1017	44	2	to	to	ADP
ajbmeb-1017	44	3	the	the	DET
ajbmeb-1017	44	4	global	global	ADJ
ajbmeb-1017	44	5	fintech	fintech	PROPN
ajbmeb-1017	44	6	adoption	adoption	NOUN
ajbmeb-1017	44	7	index	index	NOUN
ajbmeb-1017	44	8	,	,	PUNCT
ajbmeb-1017	44	9	consumer	consumer	NOUN
ajbmeb-1017	44	10	usage	usage	NOUN
ajbmeb-1017	44	11	currently	currently	ADV
ajbmeb-1017	44	12	exceeds	exceed	VERB
ajbmeb-1017	44	13	two	two	NUM
ajbmeb-1017	44	14	-	-	PUNCT
ajbmeb-1017	44	15	thirds	third	NOUN
ajbmeb-1017	44	16	(	(	PUNCT
ajbmeb-1017	44	17	64	64	NUM
ajbmeb-1017	44	18	%	%	NOUN
ajbmeb-1017	44	19	)	)	PUNCT
ajbmeb-1017	44	20	of	of	ADP
ajbmeb-1017	44	21	the	the	DET
ajbmeb-1017	44	22	accessible	accessible	ADJ
ajbmeb-1017	44	23	fintech	fintech	NOUN
ajbmeb-1017	44	24	companies	company	NOUN
ajbmeb-1017	44	25	,	,	PUNCT
ajbmeb-1017	44	26	up	up	ADV
ajbmeb-1017	44	27	from	from	ADP
ajbmeb-1017	44	28	a	a	DET
ajbmeb-1017	44	29	rate	rate	NOUN
ajbmeb-1017	44	30	of	of	ADP
ajbmeb-1017	44	31	16	16	NUM
ajbmeb-1017	44	32	%	%	NOUN
ajbmeb-1017	44	33	in	in	ADP
ajbmeb-1017	44	34	2015	2015	NUM
ajbmeb-1017	44	35	.	.	PUNCT
ajbmeb-1017	45	1	according	accord	VERB
ajbmeb-1017	45	2	to	to	ADP
ajbmeb-1017	45	3	young	young	ADJ
ajbmeb-1017	45	4	(	(	PUNCT
ajbmeb-1017	45	5	2019	2019	NUM
ajbmeb-1017	45	6	)	)	PUNCT
ajbmeb-1017	45	7	,	,	PUNCT
ajbmeb-1017	45	8	75	75	NUM
ajbmeb-1017	45	9	%	%	NOUN
ajbmeb-1017	45	10	of	of	ADP
ajbmeb-1017	45	11	the	the	DET
ajbmeb-1017	45	12	customers	customer	NOUN
ajbmeb-1017	45	13	surveyed	survey	VERB
ajbmeb-1017	45	14	used	use	VERB
ajbmeb-1017	45	15	fintech	fintech	NOUN
ajbmeb-1017	45	16	solutions	solution	NOUN
ajbmeb-1017	45	17	for	for	ADP
ajbmeb-1017	45	18	money	money	NOUN
ajbmeb-1017	45	19	transfers	transfer	NOUN
ajbmeb-1017	45	20	and	and	CCONJ
ajbmeb-1017	45	21	payment	payment	NOUN
ajbmeb-1017	45	22	settlements	settlement	NOUN
ajbmeb-1017	45	23	in	in	ADP
ajbmeb-1017	45	24	the	the	DET
ajbmeb-1017	45	25	american	american	ADJ
ajbmeb-1017	45	26	journal	journal	PROPN
ajbmeb-1017	45	27	of	of	ADP
ajbmeb-1017	45	28	business	business	NOUN
ajbmeb-1017	45	29	management	management	NOUN
ajbmeb-1017	45	30	,	,	PUNCT
ajbmeb-1017	45	31	economics	economic	NOUN
ajbmeb-1017	45	32	and	and	CCONJ
ajbmeb-1017	45	33	banking	banking	NOUN
ajbmeb-1017	45	34	volume	volume	NOUN
ajbmeb-1017	45	35	13	13	NUM
ajbmeb-1017	45	36	june	june	PROPN
ajbmeb-1017	45	37	,	,	PUNCT
ajbmeb-1017	45	38	2023	2023	NUM
ajbmeb-1017	45	39	p	p	NOUN
ajbmeb-1017	45	40	a	a	DET
ajbmeb-1017	45	41	g	g	NOUN
ajbmeb-1017	45	42	e	e	NOUN
ajbmeb-1017	45	43	|	|	ADV
ajbmeb-1017	45	44	120	120	NUM
ajbmeb-1017	45	45	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1017	45	46	preceding	precede	VERB
ajbmeb-1017	45	47	year	year	NOUN
ajbmeb-1017	45	48	.	.	PUNCT
ajbmeb-1017	46	1	businesses	business	NOUN
ajbmeb-1017	46	2	are	be	AUX
ajbmeb-1017	46	3	increasingly	increasingly	ADV
ajbmeb-1017	46	4	turning	turn	VERB
ajbmeb-1017	46	5	to	to	ADP
ajbmeb-1017	46	6	fintech	fintech	NOUN
ajbmeb-1017	46	7	,	,	PUNCT
ajbmeb-1017	46	8	which	which	PRON
ajbmeb-1017	46	9	enables	enable	VERB
ajbmeb-1017	46	10	elements	element	NOUN
ajbmeb-1017	46	11	like	like	ADP
ajbmeb-1017	46	12	digital	digital	ADJ
ajbmeb-1017	46	13	payments	payment	NOUN
ajbmeb-1017	46	14	or	or	CCONJ
ajbmeb-1017	46	15	other	other	ADJ
ajbmeb-1017	46	16	technology	technology	NOUN
ajbmeb-1017	46	17	-	-	PUNCT
ajbmeb-1017	46	18	driven	drive	VERB
ajbmeb-1017	46	19	transactions	transaction	NOUN
ajbmeb-1017	46	20	,	,	PUNCT
ajbmeb-1017	46	21	as	as	ADP
ajbmeb-1017	46	22	a	a	DET
ajbmeb-1017	46	23	result	result	NOUN
ajbmeb-1017	46	24	of	of	ADP
ajbmeb-1017	46	25	the	the	DET
ajbmeb-1017	46	26	covid-19	covid-19	PROPN
ajbmeb-1017	46	27	pandemic	pandemic	NOUN
ajbmeb-1017	46	28	(	(	PUNCT
ajbmeb-1017	46	29	alawi	alawi	NOUN
ajbmeb-1017	46	30	et	et	PROPN
ajbmeb-1017	46	31	al	al	PROPN
ajbmeb-1017	46	32	.	.	PROPN
ajbmeb-1017	46	33	,	,	PUNCT
ajbmeb-1017	46	34	2022	2022	NUM
ajbmeb-1017	46	35	;	;	PUNCT
ajbmeb-1017	46	36	karim	karim	PROPN
ajbmeb-1017	46	37	et	et	PROPN
ajbmeb-1017	46	38	al	al	PROPN
ajbmeb-1017	46	39	.	.	PROPN
ajbmeb-1017	46	40	,	,	PUNCT
ajbmeb-1017	46	41	2022a	2022a	NUM
ajbmeb-1017	46	42	;	;	PUNCT
ajbmeb-1017	46	43	karim	karim	PROPN
ajbmeb-1017	46	44	et	et	PROPN
ajbmeb-1017	46	45	al	al	PROPN
ajbmeb-1017	46	46	.	.	PROPN
ajbmeb-1017	46	47	,	,	PUNCT
ajbmeb-1017	46	48	2022b	2022b	NUM
ajbmeb-1017	46	49	;	;	PUNCT
ajbmeb-1017	46	50	naeem	naeem	PROPN
ajbmeb-1017	46	51	et	et	PROPN
ajbmeb-1017	46	52	al	al	PROPN
ajbmeb-1017	46	53	.	.	PROPN
ajbmeb-1017	46	54	,	,	PUNCT
ajbmeb-1017	46	55	2022a	2022a	NUM
ajbmeb-1017	46	56	;	;	PUNCT
ajbmeb-1017	46	57	naeem	naeem	PROPN
ajbmeb-1017	46	58	et	et	PROPN
ajbmeb-1017	46	59	al	al	PROPN
ajbmeb-1017	46	60	.	.	PROPN
ajbmeb-1017	46	61	,	,	PUNCT
ajbmeb-1017	46	62	2022b	2022b	NUM
ajbmeb-1017	46	63	)	)	PUNCT
ajbmeb-1017	46	64	.	.	PUNCT
ajbmeb-1017	47	1	businesses	business	NOUN
ajbmeb-1017	47	2	view	view	VERB
ajbmeb-1017	47	3	the	the	DET
ajbmeb-1017	47	4	asian	asian	ADJ
ajbmeb-1017	47	5	area	area	NOUN
ajbmeb-1017	47	6	as	as	ADP
ajbmeb-1017	47	7	a	a	DET
ajbmeb-1017	47	8	potential	potential	ADJ
ajbmeb-1017	47	9	location	location	NOUN
ajbmeb-1017	47	10	for	for	ADP
ajbmeb-1017	47	11	growth	growth	NOUN
ajbmeb-1017	47	12	due	due	ADP
ajbmeb-1017	47	13	to	to	ADP
ajbmeb-1017	47	14	the	the	DET
ajbmeb-1017	47	15	region	region	NOUN
ajbmeb-1017	47	16	's	's	PART
ajbmeb-1017	47	17	sizable	sizable	ADJ
ajbmeb-1017	47	18	market	market	NOUN
ajbmeb-1017	47	19	of	of	ADP
ajbmeb-1017	47	20	$	$	SYM
ajbmeb-1017	47	21	2.3	2.3	NUM
ajbmeb-1017	47	22	trillion	trillion	NUM
ajbmeb-1017	47	23	and	and	CCONJ
ajbmeb-1017	47	24	600	600	NUM
ajbmeb-1017	47	25	million	million	NUM
ajbmeb-1017	47	26	customers	customer	NOUN
ajbmeb-1017	47	27	.	.	PUNCT
ajbmeb-1017	48	1	the	the	DET
ajbmeb-1017	48	2	vast	vast	ADJ
ajbmeb-1017	48	3	potential	potential	ADJ
ajbmeb-1017	48	4	client	client	NOUN
ajbmeb-1017	48	5	base	base	NOUN
ajbmeb-1017	48	6	,	,	PUNCT
ajbmeb-1017	48	7	according	accord	VERB
ajbmeb-1017	48	8	to	to	ADP
ajbmeb-1017	48	9	nearly	nearly	ADV
ajbmeb-1017	48	10	threequarters	threequarter	NOUN
ajbmeb-1017	48	11	(	(	PUNCT
ajbmeb-1017	48	12	76	76	NUM
ajbmeb-1017	48	13	%	%	NOUN
ajbmeb-1017	48	14	)	)	PUNCT
ajbmeb-1017	48	15	of	of	ADP
ajbmeb-1017	48	16	the	the	DET
ajbmeb-1017	48	17	fintech	fintech	NOUN
ajbmeb-1017	48	18	executives	executive	NOUN
ajbmeb-1017	48	19	we	we	PRON
ajbmeb-1017	48	20	polled	poll	VERB
ajbmeb-1017	48	21	,	,	PUNCT
ajbmeb-1017	48	22	is	be	AUX
ajbmeb-1017	48	23	what	what	PRON
ajbmeb-1017	48	24	motivates	motivate	VERB
ajbmeb-1017	48	25	them	they	PRON
ajbmeb-1017	48	26	most	most	ADJ
ajbmeb-1017	48	27	to	to	PART
ajbmeb-1017	48	28	conduct	conduct	VERB
ajbmeb-1017	48	29	business	business	NOUN
ajbmeb-1017	48	30	in	in	ADP
ajbmeb-1017	48	31	asian	asian	ADJ
ajbmeb-1017	48	32	nations	nation	NOUN
ajbmeb-1017	48	33	.	.	PUNCT
ajbmeb-1017	49	1	with	with	ADP
ajbmeb-1017	49	2	a	a	DET
ajbmeb-1017	49	3	56	56	NUM
ajbmeb-1017	49	4	%	%	NOUN
ajbmeb-1017	49	5	increase	increase	NOUN
ajbmeb-1017	49	6	of	of	ADP
ajbmeb-1017	49	7	fintech	fintech	NOUN
ajbmeb-1017	49	8	solutions	solution	NOUN
ajbmeb-1017	49	9	and	and	CCONJ
ajbmeb-1017	49	10	the	the	DET
ajbmeb-1017	49	11	subsequent	subsequent	ADJ
ajbmeb-1017	49	12	launch	launch	NOUN
ajbmeb-1017	49	13	of	of	ADP
ajbmeb-1017	49	14	new	new	ADJ
ajbmeb-1017	49	15	fintech	fintech	NOUN
ajbmeb-1017	49	16	goods	good	NOUN
ajbmeb-1017	49	17	in	in	ADP
ajbmeb-1017	49	18	these	these	DET
ajbmeb-1017	49	19	countries	country	NOUN
ajbmeb-1017	49	20	,	,	PUNCT
ajbmeb-1017	49	21	existing	exist	VERB
ajbmeb-1017	49	22	products	product	NOUN
ajbmeb-1017	49	23	have	have	AUX
ajbmeb-1017	49	24	subsequently	subsequently	ADV
ajbmeb-1017	49	25	entered	enter	VERB
ajbmeb-1017	49	26	other	other	ADJ
ajbmeb-1017	49	27	markets	market	NOUN
ajbmeb-1017	49	28	and	and	CCONJ
ajbmeb-1017	49	29	expanded	expand	VERB
ajbmeb-1017	49	30	there	there	ADV
ajbmeb-1017	49	31	.	.	PUNCT
ajbmeb-1017	50	1	due	due	ADP
ajbmeb-1017	50	2	to	to	ADP
ajbmeb-1017	50	3	their	their	PRON
ajbmeb-1017	50	4	long	long	ADJ
ajbmeb-1017	50	5	-	-	PUNCT
ajbmeb-1017	50	6	term	term	NOUN
ajbmeb-1017	50	7	association	association	NOUN
ajbmeb-1017	50	8	,	,	PUNCT
ajbmeb-1017	50	9	there	there	PRON
ajbmeb-1017	50	10	is	be	VERB
ajbmeb-1017	50	11	a	a	DET
ajbmeb-1017	50	12	connection	connection	NOUN
ajbmeb-1017	50	13	between	between	ADP
ajbmeb-1017	50	14	financial	financial	ADJ
ajbmeb-1017	50	15	inclusion	inclusion	NOUN
ajbmeb-1017	50	16	and	and	CCONJ
ajbmeb-1017	50	17	economic	economic	ADJ
ajbmeb-1017	50	18	activity	activity	NOUN
ajbmeb-1017	50	19	(	(	PUNCT
ajbmeb-1017	50	20	singh	singh	PROPN
ajbmeb-1017	50	21	and	and	CCONJ
ajbmeb-1017	50	22	ghosh	ghosh	PROPN
ajbmeb-1017	50	23	,	,	PUNCT
ajbmeb-1017	50	24	2021	2021	NUM
ajbmeb-1017	50	25	)	)	PUNCT
ajbmeb-1017	50	26	.	.	PUNCT
ajbmeb-1017	51	1	productivity	productivity	NOUN
ajbmeb-1017	51	2	is	be	AUX
ajbmeb-1017	51	3	a	a	DET
ajbmeb-1017	51	4	major	major	ADJ
ajbmeb-1017	51	5	driver	driver	NOUN
ajbmeb-1017	51	6	of	of	ADP
ajbmeb-1017	51	7	long	long	ADJ
ajbmeb-1017	51	8	-	-	PUNCT
ajbmeb-1017	51	9	term	term	NOUN
ajbmeb-1017	51	10	economic	economic	ADJ
ajbmeb-1017	51	11	growth	growth	NOUN
ajbmeb-1017	51	12	and	and	CCONJ
ajbmeb-1017	51	13	is	be	AUX
ajbmeb-1017	51	14	essential	essential	ADJ
ajbmeb-1017	51	15	for	for	ADP
ajbmeb-1017	51	16	raising	raise	VERB
ajbmeb-1017	51	17	family	family	NOUN
ajbmeb-1017	51	18	and	and	CCONJ
ajbmeb-1017	51	19	wage	wage	NOUN
ajbmeb-1017	51	20	earnings	earning	NOUN
ajbmeb-1017	51	21	,	,	PUNCT
ajbmeb-1017	51	22	which	which	PRON
ajbmeb-1017	51	23	improves	improve	VERB
ajbmeb-1017	51	24	living	living	NOUN
ajbmeb-1017	51	25	conditions	condition	NOUN
ajbmeb-1017	51	26	.	.	PUNCT
ajbmeb-1017	52	1	according	accord	VERB
ajbmeb-1017	52	2	to	to	ADP
ajbmeb-1017	52	3	surya	surya	PROPN
ajbmeb-1017	52	4	et	et	PROPN
ajbmeb-1017	52	5	al	al	PROPN
ajbmeb-1017	52	6	.	.	PROPN
ajbmeb-1017	52	7	(	(	PUNCT
ajbmeb-1017	52	8	2021	2021	NUM
ajbmeb-1017	52	9	)	)	PUNCT
ajbmeb-1017	52	10	,	,	PUNCT
ajbmeb-1017	52	11	karim	karim	PROPN
ajbmeb-1017	52	12	and	and	CCONJ
ajbmeb-1017	52	13	naeem	naeem	PROPN
ajbmeb-1017	52	14	(	(	PUNCT
ajbmeb-1017	52	15	2022	2022	NUM
ajbmeb-1017	52	16	)	)	PUNCT
ajbmeb-1017	52	17	,	,	PUNCT
ajbmeb-1017	52	18	karim	karim	PROPN
ajbmeb-1017	52	19	et	et	PROPN
ajbmeb-1017	52	20	al	al	PROPN
ajbmeb-1017	52	21	.	.	PROPN
ajbmeb-1017	52	22	(	(	PUNCT
ajbmeb-1017	52	23	2022c	2022c	NUM
ajbmeb-1017	52	24	)	)	PUNCT
ajbmeb-1017	52	25	,	,	PUNCT
ajbmeb-1017	52	26	and	and	CCONJ
ajbmeb-1017	52	27	karim	karim	PROPN
ajbmeb-1017	52	28	et	et	PROPN
ajbmeb-1017	52	29	al	al	PROPN
ajbmeb-1017	52	30	.	.	PROPN
ajbmeb-1017	53	1	(	(	PUNCT
ajbmeb-1017	53	2	2022d	2022d	NUM
ajbmeb-1017	53	3	)	)	PUNCT
ajbmeb-1017	53	4	,	,	PUNCT
ajbmeb-1017	53	5	the	the	DET
ajbmeb-1017	53	6	productivity	productivity	NOUN
ajbmeb-1017	53	7	growth	growth	NOUN
ajbmeb-1017	53	8	of	of	ADP
ajbmeb-1017	53	9	asian	asian	ADJ
ajbmeb-1017	53	10	countries	country	NOUN
ajbmeb-1017	53	11	is	be	AUX
ajbmeb-1017	53	12	influenced	influence	VERB
ajbmeb-1017	53	13	by	by	ADP
ajbmeb-1017	53	14	how	how	SCONJ
ajbmeb-1017	53	15	well	well	ADV
ajbmeb-1017	53	16	individual	individual	ADJ
ajbmeb-1017	53	17	firms	firm	NOUN
ajbmeb-1017	53	18	—	—	PUNCT
ajbmeb-1017	53	19	including	include	VERB
ajbmeb-1017	53	20	small	small	ADJ
ajbmeb-1017	53	21	and	and	CCONJ
ajbmeb-1017	53	22	mediumsized	mediumsized	ADJ
ajbmeb-1017	53	23	enterprises	enterprise	NOUN
ajbmeb-1017	53	24	(	(	PUNCT
ajbmeb-1017	53	25	smes)—perform	smes)—perform	NOUN
ajbmeb-1017	53	26	in	in	ADP
ajbmeb-1017	53	27	a	a	DET
ajbmeb-1017	53	28	country	country	NOUN
ajbmeb-1017	53	29	and	and	CCONJ
ajbmeb-1017	53	30	by	by	ADP
ajbmeb-1017	53	31	how	how	SCONJ
ajbmeb-1017	53	32	resources	resource	NOUN
ajbmeb-1017	53	33	are	be	AUX
ajbmeb-1017	53	34	distributed	distribute	VERB
ajbmeb-1017	53	35	among	among	ADP
ajbmeb-1017	53	36	those	those	DET
ajbmeb-1017	53	37	firms	firm	NOUN
ajbmeb-1017	53	38	.	.	PUNCT
ajbmeb-1017	54	1	smes	sme	NOUN
ajbmeb-1017	54	2	make	make	VERB
ajbmeb-1017	54	3	up	up	ADP
ajbmeb-1017	54	4	a	a	DET
ajbmeb-1017	54	5	large	large	ADJ
ajbmeb-1017	54	6	share	share	NOUN
ajbmeb-1017	54	7	of	of	ADP
ajbmeb-1017	54	8	all	all	DET
ajbmeb-1017	54	9	businesses	business	NOUN
ajbmeb-1017	54	10	in	in	ADP
ajbmeb-1017	54	11	asian	asian	ADJ
ajbmeb-1017	54	12	,	,	PUNCT
ajbmeb-1017	54	13	accounting	account	VERB
ajbmeb-1017	54	14	for	for	ADP
ajbmeb-1017	54	15	between	between	ADP
ajbmeb-1017	54	16	89	89	NUM
ajbmeb-1017	54	17	%	%	NOUN
ajbmeb-1017	54	18	and	and	CCONJ
ajbmeb-1017	54	19	99	99	NUM
ajbmeb-1017	54	20	%	%	NOUN
ajbmeb-1017	54	21	of	of	ADP
ajbmeb-1017	54	22	all	all	DET
ajbmeb-1017	54	23	enterprises	enterprise	NOUN
ajbmeb-1017	54	24	.	.	PUNCT
ajbmeb-1017	55	1	between	between	ADP
ajbmeb-1017	55	2	52	52	NUM
ajbmeb-1017	55	3	%	%	NOUN
ajbmeb-1017	55	4	and	and	CCONJ
ajbmeb-1017	55	5	97	97	NUM
ajbmeb-1017	55	6	%	%	NOUN
ajbmeb-1017	55	7	of	of	ADP
ajbmeb-1017	55	8	the	the	DET
ajbmeb-1017	55	9	ten	ten	NUM
ajbmeb-1017	55	10	asian	asian	ADJ
ajbmeb-1017	55	11	member	member	NOUN
ajbmeb-1017	55	12	states	state	NOUN
ajbmeb-1017	55	13	(	(	PUNCT
ajbmeb-1017	55	14	amss	amss	PROPN
ajbmeb-1017	55	15	)	)	PUNCT
ajbmeb-1017	55	16	are	be	AUX
ajbmeb-1017	55	17	thought	think	VERB
ajbmeb-1017	55	18	to	to	PART
ajbmeb-1017	55	19	be	be	AUX
ajbmeb-1017	55	20	employed	employ	VERB
ajbmeb-1017	55	21	overall	overall	ADV
ajbmeb-1017	55	22	(	(	PUNCT
ajbmeb-1017	55	23	pratama	pratama	NOUN
ajbmeb-1017	55	24	,	,	PUNCT
ajbmeb-1017	55	25	2019	2019	NUM
ajbmeb-1017	55	26	)	)	PUNCT
ajbmeb-1017	55	27	.	.	PUNCT
ajbmeb-1017	56	1	micro	micro	PROPN
ajbmeb-1017	56	2	,	,	PUNCT
ajbmeb-1017	56	3	small	small	ADJ
ajbmeb-1017	56	4	,	,	PUNCT
ajbmeb-1017	56	5	and	and	CCONJ
ajbmeb-1017	56	6	medium	medium	ADJ
ajbmeb-1017	56	7	enterprises	enterprise	NOUN
ajbmeb-1017	56	8	(	(	PUNCT
ajbmeb-1017	56	9	msmes	msme	NOUN
ajbmeb-1017	56	10	)	)	PUNCT
ajbmeb-1017	56	11	account	account	VERB
ajbmeb-1017	56	12	for	for	ADP
ajbmeb-1017	56	13	over	over	ADP
ajbmeb-1017	56	14	90	90	NUM
ajbmeb-1017	56	15	%	%	NOUN
ajbmeb-1017	56	16	of	of	ADP
ajbmeb-1017	56	17	all	all	DET
ajbmeb-1017	56	18	domestic	domestic	ADJ
ajbmeb-1017	56	19	businesses	business	NOUN
ajbmeb-1017	56	20	and	and	CCONJ
ajbmeb-1017	56	21	75%–90	75%–90	NUM
ajbmeb-1017	56	22	%	%	NOUN
ajbmeb-1017	56	23	of	of	ADP
ajbmeb-1017	56	24	asian	asian	PROPN
ajbmeb-1017	56	25	's	's	PART
ajbmeb-1017	56	26	non	non	ADJ
ajbmeb-1017	56	27	-	-	ADJ
ajbmeb-1017	56	28	agricultural	agricultural	ADJ
ajbmeb-1017	56	29	labor	labor	NOUN
ajbmeb-1017	56	30	force	force	NOUN
ajbmeb-1017	56	31	.	.	PUNCT
ajbmeb-1017	57	1	msmes	msme	NOUN
ajbmeb-1017	57	2	create	create	VERB
ajbmeb-1017	57	3	the	the	DET
ajbmeb-1017	57	4	framework	framework	NOUN
ajbmeb-1017	57	5	for	for	ADP
ajbmeb-1017	57	6	suppliers	supplier	NOUN
ajbmeb-1017	57	7	that	that	PRON
ajbmeb-1017	57	8	support	support	VERB
ajbmeb-1017	57	9	the	the	DET
ajbmeb-1017	57	10	expansion	expansion	NOUN
ajbmeb-1017	57	11	and	and	CCONJ
ajbmeb-1017	57	12	advancement	advancement	NOUN
ajbmeb-1017	57	13	of	of	ADP
ajbmeb-1017	57	14	major	major	ADJ
ajbmeb-1017	57	15	worldwide	worldwide	ADJ
ajbmeb-1017	57	16	businesses	business	NOUN
ajbmeb-1017	57	17	(	(	PUNCT
ajbmeb-1017	57	18	corporation	corporation	NOUN
ajbmeb-1017	57	19	,	,	PUNCT
ajbmeb-1017	57	20	2017	2017	NUM
ajbmeb-1017	57	21	)	)	PUNCT
ajbmeb-1017	57	22	.	.	PUNCT
ajbmeb-1017	58	1	unquestionably	unquestionably	ADV
ajbmeb-1017	58	2	,	,	PUNCT
ajbmeb-1017	58	3	asian	asian	PROPN
ajbmeb-1017	58	4	has	have	VERB
ajbmeb-1017	58	5	the	the	DET
ajbmeb-1017	58	6	most	most	ADV
ajbmeb-1017	58	7	international	international	ADJ
ajbmeb-1017	58	8	investment	investment	NOUN
ajbmeb-1017	58	9	agreements	agreement	NOUN
ajbmeb-1017	58	10	(	(	PUNCT
ajbmeb-1017	58	11	iias	iias	NOUN
ajbmeb-1017	58	12	)	)	PUNCT
ajbmeb-1017	58	13	.	.	PUNCT
ajbmeb-1017	59	1	as	as	ADP
ajbmeb-1017	59	2	of	of	ADP
ajbmeb-1017	59	3	april	april	PROPN
ajbmeb-1017	59	4	2021	2021	NUM
ajbmeb-1017	59	5	,	,	PUNCT
ajbmeb-1017	59	6	asian	asian	ADJ
ajbmeb-1017	59	7	member	member	NOUN
ajbmeb-1017	59	8	states	state	NOUN
ajbmeb-1017	59	9	have	have	AUX
ajbmeb-1017	59	10	signed	sign	VERB
ajbmeb-1017	59	11	221	221	NUM
ajbmeb-1017	59	12	treaties	treaty	NOUN
ajbmeb-1017	59	13	with	with	ADP
ajbmeb-1017	59	14	investment	investment	NOUN
ajbmeb-1017	59	15	provisions	provision	NOUN
ajbmeb-1017	59	16	(	(	PUNCT
ajbmeb-1017	59	17	tips	tip	NOUN
ajbmeb-1017	59	18	)	)	PUNCT
ajbmeb-1017	59	19	and	and	CCONJ
ajbmeb-1017	59	20	287	287	NUM
ajbmeb-1017	59	21	bilateral	bilateral	ADJ
ajbmeb-1017	59	22	investment	investment	NOUN
ajbmeb-1017	59	23	treaties	treaty	NOUN
ajbmeb-1017	59	24	(	(	PUNCT
ajbmeb-1017	59	25	bits	bit	NOUN
ajbmeb-1017	59	26	)	)	PUNCT
ajbmeb-1017	59	27	with	with	ADP
ajbmeb-1017	59	28	non	non	ADJ
ajbmeb-1017	59	29	-	-	ADJ
ajbmeb-1017	59	30	asian	asian	ADJ
ajbmeb-1017	59	31	member	member	NOUN
ajbmeb-1017	59	32	states	state	NOUN
ajbmeb-1017	59	33	as	as	ADP
ajbmeb-1017	59	34	part	part	NOUN
ajbmeb-1017	59	35	of	of	ADP
ajbmeb-1017	59	36	the	the	DET
ajbmeb-1017	59	37	free	free	ADJ
ajbmeb-1017	59	38	trade	trade	NOUN
ajbmeb-1017	59	39	agreement	agreement	NOUN
ajbmeb-1017	59	40	(	(	PUNCT
ajbmeb-1017	59	41	fta	fta	NOUN
ajbmeb-1017	59	42	)	)	PUNCT
ajbmeb-1017	59	43	system	system	NOUN
ajbmeb-1017	59	44	(	(	PUNCT
ajbmeb-1017	59	45	young	young	ADJ
ajbmeb-1017	59	46	et	et	PROPN
ajbmeb-1017	59	47	al	al	PROPN
ajbmeb-1017	59	48	.	.	PROPN
ajbmeb-1017	59	49	,	,	PUNCT
ajbmeb-1017	59	50	2021	2021	NUM
ajbmeb-1017	59	51	)	)	PUNCT
ajbmeb-1017	59	52	.	.	PUNCT
ajbmeb-1017	60	1	smes	sme	NOUN
ajbmeb-1017	60	2	,	,	PUNCT
ajbmeb-1017	60	3	the	the	DET
ajbmeb-1017	60	4	majority	majority	NOUN
ajbmeb-1017	60	5	of	of	ADP
ajbmeb-1017	60	6	which	which	PRON
ajbmeb-1017	60	7	are	be	AUX
ajbmeb-1017	60	8	family	family	NOUN
ajbmeb-1017	60	9	-	-	PUNCT
ajbmeb-1017	60	10	owned	own	VERB
ajbmeb-1017	60	11	,	,	PUNCT
ajbmeb-1017	60	12	face	face	VERB
ajbmeb-1017	60	13	severe	severe	ADJ
ajbmeb-1017	60	14	financial	financial	ADJ
ajbmeb-1017	60	15	limitations	limitation	NOUN
ajbmeb-1017	60	16	and	and	CCONJ
ajbmeb-1017	60	17	risk	risk	NOUN
ajbmeb-1017	60	18	factors	factor	NOUN
ajbmeb-1017	60	19	.	.	PUNCT
ajbmeb-1017	61	1	governments	government	NOUN
ajbmeb-1017	61	2	have	have	AUX
ajbmeb-1017	61	3	launched	launch	VERB
ajbmeb-1017	61	4	loan	loan	NOUN
ajbmeb-1017	61	5	programs	program	NOUN
ajbmeb-1017	61	6	to	to	PART
ajbmeb-1017	61	7	support	support	VERB
ajbmeb-1017	61	8	these	these	DET
ajbmeb-1017	61	9	businesses	business	NOUN
ajbmeb-1017	61	10	in	in	ADP
ajbmeb-1017	61	11	an	an	DET
ajbmeb-1017	61	12	effort	effort	NOUN
ajbmeb-1017	61	13	to	to	PART
ajbmeb-1017	61	14	ensure	ensure	VERB
ajbmeb-1017	61	15	their	their	PRON
ajbmeb-1017	61	16	survival	survival	NOUN
ajbmeb-1017	61	17	during	during	ADP
ajbmeb-1017	61	18	the	the	DET
ajbmeb-1017	61	19	pandemic	pandemic	NOUN
ajbmeb-1017	61	20	,	,	PUNCT
ajbmeb-1017	61	21	but	but	CCONJ
ajbmeb-1017	61	22	these	these	PRON
ajbmeb-1017	61	23	have	have	AUX
ajbmeb-1017	61	24	largely	largely	ADV
ajbmeb-1017	61	25	fallen	fall	VERB
ajbmeb-1017	61	26	short	short	ADJ
ajbmeb-1017	61	27	due	due	ADP
ajbmeb-1017	61	28	to	to	ADP
ajbmeb-1017	61	29	the	the	DET
ajbmeb-1017	61	30	increased	increase	VERB
ajbmeb-1017	61	31	need	need	NOUN
ajbmeb-1017	61	32	for	for	ADP
ajbmeb-1017	61	33	cash	cash	NOUN
ajbmeb-1017	61	34	flows	flow	NOUN
ajbmeb-1017	61	35	for	for	ADP
ajbmeb-1017	61	36	employee	employee	NOUN
ajbmeb-1017	61	37	retention	retention	NOUN
ajbmeb-1017	61	38	and	and	CCONJ
ajbmeb-1017	61	39	payment	payment	NOUN
ajbmeb-1017	61	40	of	of	ADP
ajbmeb-1017	61	41	their	their	PRON
ajbmeb-1017	61	42	fixed	fix	VERB
ajbmeb-1017	61	43	costs	cost	NOUN
ajbmeb-1017	61	44	(	(	PUNCT
ajbmeb-1017	61	45	caballero	caballero	NOUN
ajbmeb-1017	61	46	-	-	PUNCT
ajbmeb-1017	61	47	morales	morale	NOUN
ajbmeb-1017	61	48	,	,	PUNCT
ajbmeb-1017	61	49	2021	2021	NUM
ajbmeb-1017	61	50	;	;	PUNCT
ajbmeb-1017	61	51	naeem	naeem	PROPN
ajbmeb-1017	61	52	et	et	PROPN
ajbmeb-1017	61	53	al	al	PROPN
ajbmeb-1017	61	54	.	.	PROPN
ajbmeb-1017	61	55	,	,	PUNCT
ajbmeb-1017	61	56	2022c	2022c	NUM
ajbmeb-1017	61	57	;	;	PUNCT
ajbmeb-1017	61	58	naeem	naeem	PROPN
ajbmeb-1017	61	59	et	et	PROPN
ajbmeb-1017	61	60	al	al	PROPN
ajbmeb-1017	61	61	.	.	PROPN
ajbmeb-1017	61	62	,	,	PUNCT
ajbmeb-1017	61	63	2022d	2022d	NUM
ajbmeb-1017	61	64	)	)	PUNCT
ajbmeb-1017	61	65	.	.	PUNCT
ajbmeb-1017	62	1	the	the	DET
ajbmeb-1017	62	2	growth	growth	NOUN
ajbmeb-1017	62	3	of	of	ADP
ajbmeb-1017	62	4	smes	sme	NOUN
ajbmeb-1017	62	5	is	be	AUX
ajbmeb-1017	62	6	challenging	challenge	VERB
ajbmeb-1017	62	7	and	and	CCONJ
ajbmeb-1017	62	8	frequently	frequently	ADV
ajbmeb-1017	62	9	still	still	ADV
ajbmeb-1017	62	10	rely	rely	VERB
ajbmeb-1017	62	11	on	on	ADP
ajbmeb-1017	62	12	conventional	conventional	ADJ
ajbmeb-1017	62	13	business	business	NOUN
ajbmeb-1017	62	14	practices	practice	NOUN
ajbmeb-1017	62	15	,	,	PUNCT
ajbmeb-1017	62	16	including	include	VERB
ajbmeb-1017	62	17	access	access	NOUN
ajbmeb-1017	62	18	to	to	ADP
ajbmeb-1017	62	19	finance	finance	NOUN
ajbmeb-1017	62	20	.	.	PUNCT
ajbmeb-1017	63	1	however	however	ADV
ajbmeb-1017	63	2	,	,	PUNCT
ajbmeb-1017	63	3	the	the	DET
ajbmeb-1017	63	4	performance	performance	NOUN
ajbmeb-1017	63	5	of	of	ADP
ajbmeb-1017	63	6	smes	sme	NOUN
ajbmeb-1017	63	7	has	have	AUX
ajbmeb-1017	63	8	altered	alter	VERB
ajbmeb-1017	63	9	as	as	ADP
ajbmeb-1017	63	10	a	a	DET
ajbmeb-1017	63	11	result	result	NOUN
ajbmeb-1017	63	12	of	of	ADP
ajbmeb-1017	63	13	digital	digital	ADJ
ajbmeb-1017	63	14	technology	technology	NOUN
ajbmeb-1017	63	15	,	,	PUNCT
ajbmeb-1017	63	16	which	which	PRON
ajbmeb-1017	63	17	has	have	AUX
ajbmeb-1017	63	18	also	also	ADV
ajbmeb-1017	63	19	shown	show	VERB
ajbmeb-1017	63	20	to	to	PART
ajbmeb-1017	63	21	be	be	AUX
ajbmeb-1017	63	22	a	a	DET
ajbmeb-1017	63	23	substantial	substantial	ADJ
ajbmeb-1017	63	24	contribution	contribution	NOUN
ajbmeb-1017	63	25	to	to	ADP
ajbmeb-1017	63	26	the	the	DET
ajbmeb-1017	63	27	digital	digital	ADJ
ajbmeb-1017	63	28	economy	economy	NOUN
ajbmeb-1017	63	29	.	.	PUNCT
ajbmeb-1017	64	1	the	the	DET
ajbmeb-1017	64	2	joint	joint	ADJ
ajbmeb-1017	64	3	efforts	effort	NOUN
ajbmeb-1017	64	4	of	of	ADP
ajbmeb-1017	64	5	e	e	NOUN
ajbmeb-1017	64	6	-	-	NOUN
ajbmeb-1017	64	7	commerce	commerce	NOUN
ajbmeb-1017	64	8	enterprises	enterprise	NOUN
ajbmeb-1017	64	9	in	in	ADP
ajbmeb-1017	64	10	the	the	DET
ajbmeb-1017	64	11	promotion	promotion	NOUN
ajbmeb-1017	64	12	of	of	ADP
ajbmeb-1017	64	13	goods	good	NOUN
ajbmeb-1017	64	14	and	and	CCONJ
ajbmeb-1017	64	15	the	the	DET
ajbmeb-1017	64	16	digital	digital	ADJ
ajbmeb-1017	64	17	economy	economy	NOUN
ajbmeb-1017	64	18	payment	payment	NOUN
ajbmeb-1017	64	19	system	system	NOUN
ajbmeb-1017	64	20	play	play	VERB
ajbmeb-1017	64	21	a	a	DET
ajbmeb-1017	64	22	crucial	crucial	ADJ
ajbmeb-1017	64	23	part	part	NOUN
ajbmeb-1017	64	24	in	in	ADP
ajbmeb-1017	64	25	achieving	achieve	VERB
ajbmeb-1017	64	26	this	this	DET
ajbmeb-1017	64	27	goal	goal	NOUN
ajbmeb-1017	64	28	(	(	PUNCT
ajbmeb-1017	64	29	naeem	naeem	PROPN
ajbmeb-1017	64	30	and	and	CCONJ
ajbmeb-1017	64	31	karim	karim	PROPN
ajbmeb-1017	64	32	,	,	PUNCT
ajbmeb-1017	64	33	2021	2021	NUM
ajbmeb-1017	64	34	;	;	PUNCT
ajbmeb-1017	64	35	tut	tut	NOUN
ajbmeb-1017	64	36	,	,	PUNCT
ajbmeb-1017	64	37	2020	2020	NUM
ajbmeb-1017	64	38	)	)	PUNCT
ajbmeb-1017	64	39	.	.	PUNCT
ajbmeb-1017	65	1	in	in	ADP
ajbmeb-1017	65	2	the	the	DET
ajbmeb-1017	65	3	"	"	PUNCT
ajbmeb-1017	65	4	new	new	ADJ
ajbmeb-1017	65	5	normal	normal	ADJ
ajbmeb-1017	65	6	"	"	PUNCT
ajbmeb-1017	65	7	period	period	NOUN
ajbmeb-1017	65	8	,	,	PUNCT
ajbmeb-1017	65	9	digital	digital	ADJ
ajbmeb-1017	65	10	integration	integration	NOUN
ajbmeb-1017	65	11	is	be	AUX
ajbmeb-1017	65	12	recommended	recommend	VERB
ajbmeb-1017	65	13	as	as	ADP
ajbmeb-1017	65	14	a	a	DET
ajbmeb-1017	65	15	solution	solution	NOUN
ajbmeb-1017	65	16	for	for	ADP
ajbmeb-1017	65	17	smes	sme	NOUN
ajbmeb-1017	65	18	.	.	PUNCT
ajbmeb-1017	66	1	this	this	PRON
ajbmeb-1017	66	2	includes	include	VERB
ajbmeb-1017	66	3	a	a	DET
ajbmeb-1017	66	4	move	move	NOUN
ajbmeb-1017	66	5	to	to	ADP
ajbmeb-1017	66	6	fintech	fintech	NOUN
ajbmeb-1017	66	7	to	to	PART
ajbmeb-1017	66	8	facilitate	facilitate	VERB
ajbmeb-1017	66	9	digital	digital	ADJ
ajbmeb-1017	66	10	payments	payment	NOUN
ajbmeb-1017	66	11	,	,	PUNCT
ajbmeb-1017	66	12	which	which	PRON
ajbmeb-1017	66	13	is	be	AUX
ajbmeb-1017	66	14	achievable	achievable	ADJ
ajbmeb-1017	66	15	when	when	SCONJ
ajbmeb-1017	66	16	smes	sme	NOUN
ajbmeb-1017	66	17	integrate	integrate	VERB
ajbmeb-1017	66	18	into	into	ADP
ajbmeb-1017	66	19	the	the	DET
ajbmeb-1017	66	20	larger	large	ADJ
ajbmeb-1017	66	21	market	market	NOUN
ajbmeb-1017	66	22	(	(	PUNCT
ajbmeb-1017	66	23	ahlstrom	ahlstrom	ADP
ajbmeb-1017	66	24	et	et	PROPN
ajbmeb-1017	66	25	al	al	PROPN
ajbmeb-1017	66	26	.	.	PROPN
ajbmeb-1017	66	27	,	,	PUNCT
ajbmeb-1017	66	28	2020	2020	NUM
ajbmeb-1017	66	29	)	)	PUNCT
ajbmeb-1017	66	30	.	.	PUNCT
ajbmeb-1017	67	1	the	the	DET
ajbmeb-1017	67	2	"	"	PUNCT
ajbmeb-1017	67	3	new	new	ADJ
ajbmeb-1017	67	4	normal	normal	ADJ
ajbmeb-1017	67	5	"	"	PUNCT
ajbmeb-1017	67	6	and	and	CCONJ
ajbmeb-1017	67	7	the	the	DET
ajbmeb-1017	67	8	worldwide	worldwide	ADJ
ajbmeb-1017	67	9	epidemic	epidemic	NOUN
ajbmeb-1017	67	10	have	have	AUX
ajbmeb-1017	67	11	forced	force	VERB
ajbmeb-1017	67	12	smes	sme	NOUN
ajbmeb-1017	67	13	to	to	PART
ajbmeb-1017	67	14	think	think	VERB
ajbmeb-1017	67	15	of	of	ADP
ajbmeb-1017	67	16	ways	way	NOUN
ajbmeb-1017	67	17	to	to	PART
ajbmeb-1017	67	18	stay	stay	VERB
ajbmeb-1017	67	19	in	in	ADP
ajbmeb-1017	67	20	touch	touch	NOUN
ajbmeb-1017	67	21	with	with	ADP
ajbmeb-1017	67	22	their	their	PRON
ajbmeb-1017	67	23	clients	client	NOUN
ajbmeb-1017	67	24	.	.	PUNCT
ajbmeb-1017	68	1	due	due	ADP
ajbmeb-1017	68	2	to	to	ADP
ajbmeb-1017	68	3	the	the	DET
ajbmeb-1017	68	4	movement	movement	NOUN
ajbmeb-1017	68	5	in	in	ADP
ajbmeb-1017	68	6	consumer	consumer	NOUN
ajbmeb-1017	68	7	attention	attention	NOUN
ajbmeb-1017	68	8	in	in	ADP
ajbmeb-1017	68	9	online	online	ADJ
ajbmeb-1017	68	10	shopping	shopping	NOUN
ajbmeb-1017	68	11	,	,	PUNCT
ajbmeb-1017	68	12	smes	sme	NOUN
ajbmeb-1017	68	13	must	must	AUX
ajbmeb-1017	68	14	also	also	ADV
ajbmeb-1017	68	15	continue	continue	VERB
ajbmeb-1017	68	16	to	to	PART
ajbmeb-1017	68	17	expand	expand	VERB
ajbmeb-1017	68	18	their	their	PRON
ajbmeb-1017	68	19	processes	process	NOUN
ajbmeb-1017	68	20	into	into	ADP
ajbmeb-1017	68	21	digital	digital	ADJ
ajbmeb-1017	68	22	operations	operation	NOUN
ajbmeb-1017	68	23	with	with	ADP
ajbmeb-1017	68	24	all	all	DET
ajbmeb-1017	68	25	the	the	DET
ajbmeb-1017	68	26	advantages	advantage	NOUN
ajbmeb-1017	68	27	offered	offer	VERB
ajbmeb-1017	68	28	(	(	PUNCT
ajbmeb-1017	68	29	ulas	ula	NOUN
ajbmeb-1017	68	30	,	,	PUNCT
ajbmeb-1017	68	31	2019	2019	NUM
ajbmeb-1017	68	32	)	)	PUNCT
ajbmeb-1017	68	33	.	.	PUNCT
ajbmeb-1017	69	1	the	the	DET
ajbmeb-1017	69	2	covid-19	covid-19	PROPN
ajbmeb-1017	69	3	pandemic	pandemic	NOUN
ajbmeb-1017	69	4	has	have	AUX
ajbmeb-1017	69	5	caused	cause	VERB
ajbmeb-1017	69	6	a	a	DET
ajbmeb-1017	69	7	"	"	PUNCT
ajbmeb-1017	69	8	new	new	ADJ
ajbmeb-1017	69	9	normal	normal	ADJ
ajbmeb-1017	69	10	"	"	PUNCT
ajbmeb-1017	69	11	state	state	NOUN
ajbmeb-1017	69	12	to	to	PART
ajbmeb-1017	69	13	arise	arise	VERB
ajbmeb-1017	69	14	in	in	ADP
ajbmeb-1017	69	15	sme	sme	PROPN
ajbmeb-1017	69	16	business	business	NOUN
ajbmeb-1017	69	17	transactions	transaction	NOUN
ajbmeb-1017	69	18	that	that	PRON
ajbmeb-1017	69	19	were	be	AUX
ajbmeb-1017	69	20	n't	not	PART
ajbmeb-1017	69	21	already	already	ADV
ajbmeb-1017	69	22	there	there	ADV
ajbmeb-1017	69	23	(	(	PUNCT
ajbmeb-1017	69	24	wiyono	wiyono	X
ajbmeb-1017	69	25	and	and	CCONJ
ajbmeb-1017	69	26	kirana	kirana	PROPN
ajbmeb-1017	69	27	,	,	PUNCT
ajbmeb-1017	69	28	2021	2021	NUM
ajbmeb-1017	69	29	)	)	PUNCT
ajbmeb-1017	69	30	.	.	PUNCT
ajbmeb-1017	70	1	the	the	DET
ajbmeb-1017	70	2	covid-19	covid-19	PROPN
ajbmeb-1017	70	3	epidemic	epidemic	NOUN
ajbmeb-1017	70	4	quickly	quickly	ADV
ajbmeb-1017	70	5	created	create	VERB
ajbmeb-1017	70	6	demand	demand	NOUN
ajbmeb-1017	70	7	for	for	ADP
ajbmeb-1017	70	8	several	several	ADJ
ajbmeb-1017	70	9	ways	way	NOUN
ajbmeb-1017	70	10	to	to	PART
ajbmeb-1017	70	11	conduct	conduct	VERB
ajbmeb-1017	70	12	financial	financial	ADJ
ajbmeb-1017	70	13	settlements	settlement	NOUN
ajbmeb-1017	70	14	remotely	remotely	ADV
ajbmeb-1017	70	15	and	and	CCONJ
ajbmeb-1017	70	16	online	online	ADV
ajbmeb-1017	70	17	by	by	ADP
ajbmeb-1017	70	18	leveraging	leverage	VERB
ajbmeb-1017	70	19	digital	digital	ADJ
ajbmeb-1017	70	20	technology	technology	NOUN
ajbmeb-1017	70	21	because	because	SCONJ
ajbmeb-1017	70	22	it	it	PRON
ajbmeb-1017	70	23	severely	severely	ADV
ajbmeb-1017	70	24	limited	limit	VERB
ajbmeb-1017	70	25	people	people	NOUN
ajbmeb-1017	70	26	's	's	PART
ajbmeb-1017	70	27	ability	ability	NOUN
ajbmeb-1017	70	28	to	to	ADP
ajbmeb-1017	70	29	american	american	ADJ
ajbmeb-1017	70	30	journal	journal	PROPN
ajbmeb-1017	70	31	of	of	ADP
ajbmeb-1017	70	32	business	business	NOUN
ajbmeb-1017	70	33	management	management	NOUN
ajbmeb-1017	70	34	,	,	PUNCT
ajbmeb-1017	70	35	economics	economic	NOUN
ajbmeb-1017	70	36	and	and	CCONJ
ajbmeb-1017	70	37	banking	banking	NOUN
ajbmeb-1017	70	38	volume	volume	NOUN
ajbmeb-1017	70	39	13	13	NUM
ajbmeb-1017	70	40	june	june	PROPN
ajbmeb-1017	70	41	,	,	PUNCT
ajbmeb-1017	70	42	2023	2023	NUM
ajbmeb-1017	70	43	p	p	NOUN
ajbmeb-1017	70	44	a	a	PRON
ajbmeb-1017	70	45	g	g	NOUN
ajbmeb-1017	70	46	e	e	NOUN
ajbmeb-1017	70	47	|	|	ADV
ajbmeb-1017	70	48	121	121	NUM
ajbmeb-1017	70	49	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1017	70	50	communicate	communicate	VERB
ajbmeb-1017	70	51	physically	physically	ADV
ajbmeb-1017	70	52	.	.	PUNCT
ajbmeb-1017	71	1	this	this	DET
ajbmeb-1017	71	2	element	element	NOUN
ajbmeb-1017	71	3	created	create	VERB
ajbmeb-1017	71	4	the	the	DET
ajbmeb-1017	71	5	path	path	NOUN
ajbmeb-1017	71	6	for	for	ADP
ajbmeb-1017	71	7	smes	sme	NOUN
ajbmeb-1017	71	8	in	in	ADP
ajbmeb-1017	71	9	asian	asian	ADJ
ajbmeb-1017	71	10	nations	nation	NOUN
ajbmeb-1017	71	11	to	to	PART
ajbmeb-1017	71	12	utilize	utilize	VERB
ajbmeb-1017	71	13	technology	technology	NOUN
ajbmeb-1017	71	14	and	and	CCONJ
ajbmeb-1017	71	15	maximize	maximize	VERB
ajbmeb-1017	71	16	their	their	PRON
ajbmeb-1017	71	17	resources	resource	NOUN
ajbmeb-1017	71	18	,	,	PUNCT
ajbmeb-1017	71	19	which	which	PRON
ajbmeb-1017	71	20	sped	speed	VERB
ajbmeb-1017	71	21	up	up	ADP
ajbmeb-1017	71	22	the	the	DET
ajbmeb-1017	71	23	development	development	NOUN
ajbmeb-1017	71	24	of	of	ADP
ajbmeb-1017	71	25	fintech	fintech	NOUN
ajbmeb-1017	71	26	in	in	ADP
ajbmeb-1017	71	27	the	the	DET
ajbmeb-1017	71	28	area	area	NOUN
ajbmeb-1017	71	29	.	.	PUNCT
ajbmeb-1017	72	1	the	the	DET
ajbmeb-1017	72	2	covid-19	covid-19	PROPN
ajbmeb-1017	72	3	pandemic	pandemic	NOUN
ajbmeb-1017	72	4	had	have	VERB
ajbmeb-1017	72	5	a	a	DET
ajbmeb-1017	72	6	negative	negative	ADJ
ajbmeb-1017	72	7	impact	impact	NOUN
ajbmeb-1017	72	8	on	on	ADP
ajbmeb-1017	72	9	the	the	DET
ajbmeb-1017	72	10	world	world	NOUN
ajbmeb-1017	72	11	economy	economy	NOUN
ajbmeb-1017	72	12	.	.	PUNCT
ajbmeb-1017	73	1	the	the	DET
ajbmeb-1017	73	2	pandemic	pandemic	NOUN
ajbmeb-1017	73	3	's	's	PART
ajbmeb-1017	73	4	effects	effect	NOUN
ajbmeb-1017	73	5	on	on	ADP
ajbmeb-1017	73	6	the	the	DET
ajbmeb-1017	73	7	fintech	fintech	NOUN
ajbmeb-1017	73	8	sector	sector	NOUN
ajbmeb-1017	73	9	first	first	ADV
ajbmeb-1017	73	10	worried	worry	VERB
ajbmeb-1017	73	11	the	the	DET
ajbmeb-1017	73	12	corporations	corporation	NOUN
ajbmeb-1017	73	13	,	,	PUNCT
ajbmeb-1017	73	14	but	but	CCONJ
ajbmeb-1017	73	15	it	it	PRON
ajbmeb-1017	73	16	appears	appear	VERB
ajbmeb-1017	73	17	that	that	SCONJ
ajbmeb-1017	73	18	they	they	PRON
ajbmeb-1017	73	19	were	be	AUX
ajbmeb-1017	73	20	n't	not	PART
ajbmeb-1017	73	21	as	as	ADV
ajbmeb-1017	73	22	bad	bad	ADJ
ajbmeb-1017	73	23	as	as	ADP
ajbmeb-1017	73	24	first	first	ADJ
ajbmeb-1017	73	25	thought	thought	NOUN
ajbmeb-1017	73	26	.	.	PUNCT
ajbmeb-1017	74	1	for	for	ADP
ajbmeb-1017	74	2	instance	instance	NOUN
ajbmeb-1017	74	3	,	,	PUNCT
ajbmeb-1017	74	4	it	it	PRON
ajbmeb-1017	74	5	appears	appear	VERB
ajbmeb-1017	74	6	that	that	SCONJ
ajbmeb-1017	74	7	the	the	DET
ajbmeb-1017	74	8	epidemic	epidemic	NOUN
ajbmeb-1017	74	9	did	do	AUX
ajbmeb-1017	74	10	not	not	PART
ajbmeb-1017	74	11	affect	affect	VERB
ajbmeb-1017	74	12	indonesia	indonesia	PROPN
ajbmeb-1017	74	13	's	's	PART
ajbmeb-1017	74	14	fintech	fintech	NOUN
ajbmeb-1017	74	15	sector	sector	NOUN
ajbmeb-1017	74	16	.	.	PUNCT
ajbmeb-1017	75	1	the	the	DET
ajbmeb-1017	75	2	overall	overall	ADJ
ajbmeb-1017	75	3	amount	amount	NOUN
ajbmeb-1017	75	4	of	of	ADP
ajbmeb-1017	75	5	fintech	fintech	NOUN
ajbmeb-1017	75	6	payment	payment	NOUN
ajbmeb-1017	75	7	transactions	transaction	NOUN
ajbmeb-1017	75	8	in	in	ADP
ajbmeb-1017	75	9	2020	2020	NUM
ajbmeb-1017	75	10	hit	hit	VERB
ajbmeb-1017	75	11	a	a	DET
ajbmeb-1017	75	12	high	high	ADJ
ajbmeb-1017	75	13	(	(	PUNCT
ajbmeb-1017	75	14	sugandi	sugandi	ADJ
ajbmeb-1017	75	15	,	,	PUNCT
ajbmeb-1017	75	16	2021	2021	NUM
ajbmeb-1017	75	17	)	)	PUNCT
ajbmeb-1017	75	18	and	and	CCONJ
ajbmeb-1017	75	19	the	the	DET
ajbmeb-1017	75	20	indonesian	indonesian	ADJ
ajbmeb-1017	75	21	revenues	revenue	NOUN
ajbmeb-1017	75	22	for	for	ADP
ajbmeb-1017	75	23	several	several	ADJ
ajbmeb-1017	75	24	fintech	fintech	NOUN
ajbmeb-1017	75	25	products	product	NOUN
ajbmeb-1017	75	26	were	be	AUX
ajbmeb-1017	75	27	larger	large	ADJ
ajbmeb-1017	75	28	in	in	ADP
ajbmeb-1017	75	29	2020	2020	NUM
ajbmeb-1017	75	30	than	than	ADP
ajbmeb-1017	75	31	in	in	ADP
ajbmeb-1017	75	32	2019	2019	NUM
ajbmeb-1017	75	33	(	(	PUNCT
ajbmeb-1017	75	34	sugandi	sugandi	ADJ
ajbmeb-1017	75	35	,	,	PUNCT
ajbmeb-1017	75	36	2021	2021	NUM
ajbmeb-1017	75	37	)	)	PUNCT
ajbmeb-1017	75	38	.	.	PUNCT
ajbmeb-1017	76	1	small	small	ADJ
ajbmeb-1017	76	2	firms	firm	NOUN
ajbmeb-1017	76	3	,	,	PUNCT
ajbmeb-1017	76	4	which	which	PRON
ajbmeb-1017	76	5	are	be	AUX
ajbmeb-1017	76	6	the	the	DET
ajbmeb-1017	76	7	ultimate	ultimate	ADJ
ajbmeb-1017	76	8	beneficiaries	beneficiary	NOUN
ajbmeb-1017	76	9	of	of	ADP
ajbmeb-1017	76	10	technical	technical	ADJ
ajbmeb-1017	76	11	advancements	advancement	NOUN
ajbmeb-1017	76	12	,	,	PUNCT
ajbmeb-1017	76	13	are	be	AUX
ajbmeb-1017	76	14	getting	get	VERB
ajbmeb-1017	76	15	more	more	ADV
ajbmeb-1017	76	16	competitive	competitive	ADJ
ajbmeb-1017	76	17	and	and	CCONJ
ajbmeb-1017	76	18	interesting	interesting	ADJ
ajbmeb-1017	76	19	in	in	ADP
ajbmeb-1017	76	20	recent	recent	ADJ
ajbmeb-1017	76	21	times	time	NOUN
ajbmeb-1017	76	22	,	,	PUNCT
ajbmeb-1017	76	23	as	as	SCONJ
ajbmeb-1017	76	24	is	be	AUX
ajbmeb-1017	76	25	the	the	DET
ajbmeb-1017	76	26	global	global	ADJ
ajbmeb-1017	76	27	trade	trade	NOUN
ajbmeb-1017	76	28	environment	environment	NOUN
ajbmeb-1017	76	29	(	(	PUNCT
ajbmeb-1017	76	30	akpan	akpan	VERB
ajbmeb-1017	76	31	et	et	PROPN
ajbmeb-1017	76	32	al	al	PROPN
ajbmeb-1017	76	33	.	.	PROPN
ajbmeb-1017	76	34	,	,	PUNCT
ajbmeb-1017	76	35	2020	2020	NUM
ajbmeb-1017	76	36	)	)	PUNCT
ajbmeb-1017	76	37	.	.	PUNCT
ajbmeb-1017	77	1	asian	asian	PROPN
ajbmeb-1017	77	2	had	have	VERB
ajbmeb-1017	77	3	a	a	DET
ajbmeb-1017	77	4	record	record	NOUN
ajbmeb-1017	77	5	amount	amount	NOUN
ajbmeb-1017	77	6	of	of	ADP
ajbmeb-1017	77	7	fintech	fintech	NOUN
ajbmeb-1017	77	8	investment	investment	NOUN
ajbmeb-1017	77	9	during	during	ADP
ajbmeb-1017	77	10	the	the	DET
ajbmeb-1017	77	11	first	first	ADJ
ajbmeb-1017	77	12	three	three	NUM
ajbmeb-1017	77	13	quarters	quarter	NOUN
ajbmeb-1017	77	14	of	of	ADP
ajbmeb-1017	77	15	2021	2021	NUM
ajbmeb-1017	77	16	,	,	PUNCT
ajbmeb-1017	77	17	reaching	reach	VERB
ajbmeb-1017	77	18	us$3.5	us$3.5	PROPN
ajbmeb-1017	77	19	billion	billion	NUM
ajbmeb-1017	77	20	,	,	PUNCT
ajbmeb-1017	77	21	and	and	CCONJ
ajbmeb-1017	77	22	a	a	DET
ajbmeb-1017	77	23	growth	growth	NOUN
ajbmeb-1017	77	24	in	in	ADP
ajbmeb-1017	77	25	internet	internet	NOUN
ajbmeb-1017	77	26	users	user	NOUN
ajbmeb-1017	77	27	in	in	ADP
ajbmeb-1017	77	28	tandem	tandem	PROPN
ajbmeb-1017	77	29	.	.	PUNCT
ajbmeb-1017	78	1	the	the	DET
ajbmeb-1017	78	2	survey	survey	NOUN
ajbmeb-1017	78	3	questions	question	NOUN
ajbmeb-1017	78	4	are	be	AUX
ajbmeb-1017	78	5	divided	divide	VERB
ajbmeb-1017	78	6	into	into	ADP
ajbmeb-1017	78	7	five	five	NUM
ajbmeb-1017	78	8	main	main	ADJ
ajbmeb-1017	78	9	categories	category	NOUN
ajbmeb-1017	78	10	:	:	PUNCT
ajbmeb-1017	78	11	(	(	PUNCT
ajbmeb-1017	78	12	i	i	NOUN
ajbmeb-1017	78	13	)	)	PUNCT
ajbmeb-1017	78	14	the	the	DET
ajbmeb-1017	78	15	effect	effect	NOUN
ajbmeb-1017	78	16	of	of	ADP
ajbmeb-1017	78	17	fintech	fintech	NOUN
ajbmeb-1017	78	18	startups	startup	NOUN
ajbmeb-1017	78	19	on	on	ADP
ajbmeb-1017	78	20	smes	sme	NOUN
ajbmeb-1017	78	21	'	'	PART
ajbmeb-1017	78	22	growth	growth	NOUN
ajbmeb-1017	78	23	;	;	PUNCT
ajbmeb-1017	78	24	(	(	PUNCT
ajbmeb-1017	78	25	ii	ii	NOUN
ajbmeb-1017	78	26	)	)	PUNCT
ajbmeb-1017	78	27	the	the	DET
ajbmeb-1017	78	28	relationship	relationship	NOUN
ajbmeb-1017	78	29	between	between	ADP
ajbmeb-1017	78	30	fintech	fintech	NOUN
ajbmeb-1017	78	31	startups	startup	NOUN
ajbmeb-1017	78	32	and	and	CCONJ
ajbmeb-1017	78	33	economic	economic	ADJ
ajbmeb-1017	78	34	development	development	NOUN
ajbmeb-1017	78	35	;	;	PUNCT
ajbmeb-1017	78	36	(	(	PUNCT
ajbmeb-1017	78	37	iii	iii	X
ajbmeb-1017	78	38	)	)	PUNCT
ajbmeb-1017	78	39	the	the	DET
ajbmeb-1017	78	40	collision	collision	NOUN
ajbmeb-1017	78	41	of	of	ADP
ajbmeb-1017	78	42	fintech	fintech	NOUN
ajbmeb-1017	78	43	and	and	CCONJ
ajbmeb-1017	78	44	smes	sme	NOUN
ajbmeb-1017	78	45	during	during	ADP
ajbmeb-1017	78	46	covid-19	covid-19	PROPN
ajbmeb-1017	78	47	;	;	PUNCT
ajbmeb-1017	78	48	(	(	PUNCT
ajbmeb-1017	78	49	iv	iv	X
ajbmeb-1017	78	50	)	)	PUNCT
ajbmeb-1017	78	51	obstacles	obstacle	NOUN
ajbmeb-1017	78	52	to	to	ADP
ajbmeb-1017	78	53	fintech	fintech	NOUN
ajbmeb-1017	78	54	in	in	ADP
ajbmeb-1017	78	55	smes	sme	NOUN
ajbmeb-1017	78	56	;	;	PUNCT
ajbmeb-1017	78	57	and	and	CCONJ
ajbmeb-1017	78	58	(	(	PUNCT
ajbmeb-1017	78	59	v	v	NOUN
ajbmeb-1017	78	60	)	)	PUNCT
ajbmeb-1017	78	61	smes	sme	NOUN
ajbmeb-1017	78	62	'	'	PART
ajbmeb-1017	78	63	understanding	understanding	NOUN
ajbmeb-1017	78	64	of	of	ADP
ajbmeb-1017	78	65	fintech	fintech	NOUN
ajbmeb-1017	78	66	.	.	PUNCT
ajbmeb-1017	79	1	these	these	DET
ajbmeb-1017	79	2	inquiries	inquiry	NOUN
ajbmeb-1017	79	3	enable	enable	VERB
ajbmeb-1017	79	4	us	we	PRON
ajbmeb-1017	79	5	to	to	PART
ajbmeb-1017	79	6	determine	determine	VERB
ajbmeb-1017	79	7	if	if	SCONJ
ajbmeb-1017	79	8	the	the	DET
ajbmeb-1017	79	9	growth	growth	NOUN
ajbmeb-1017	79	10	trajectory	trajectory	NOUN
ajbmeb-1017	79	11	of	of	ADP
ajbmeb-1017	79	12	fintech	fintech	NOUN
ajbmeb-1017	79	13	and	and	CCONJ
ajbmeb-1017	79	14	smes	sme	NOUN
ajbmeb-1017	79	15	,	,	PUNCT
ajbmeb-1017	79	16	which	which	PRON
ajbmeb-1017	79	17	are	be	AUX
ajbmeb-1017	79	18	interconnected	interconnect	VERB
ajbmeb-1017	79	19	,	,	PUNCT
ajbmeb-1017	79	20	was	be	AUX
ajbmeb-1017	79	21	maintained	maintain	VERB
ajbmeb-1017	79	22	throughout	throughout	ADP
ajbmeb-1017	79	23	covid-19	covid-19	PROPN
ajbmeb-1017	79	24	across	across	ADP
ajbmeb-1017	79	25	asian	asian	ADJ
ajbmeb-1017	79	26	nations	nation	NOUN
ajbmeb-1017	79	27	.	.	PUNCT
ajbmeb-1017	80	1	in	in	ADP
ajbmeb-1017	80	2	many	many	ADJ
ajbmeb-1017	80	3	respects	respect	NOUN
ajbmeb-1017	80	4	,	,	PUNCT
ajbmeb-1017	80	5	our	our	PRON
ajbmeb-1017	80	6	work	work	NOUN
ajbmeb-1017	80	7	adds	add	VERB
ajbmeb-1017	80	8	to	to	ADP
ajbmeb-1017	80	9	the	the	DET
ajbmeb-1017	80	10	body	body	NOUN
ajbmeb-1017	80	11	of	of	ADP
ajbmeb-1017	80	12	literature	literature	NOUN
ajbmeb-1017	80	13	already	already	ADV
ajbmeb-1017	80	14	in	in	ADP
ajbmeb-1017	80	15	existence	existence	NOUN
ajbmeb-1017	80	16	.	.	PUNCT
ajbmeb-1017	81	1	due	due	ADP
ajbmeb-1017	81	2	of	of	ADP
ajbmeb-1017	81	3	the	the	DET
ajbmeb-1017	81	4	importance	importance	NOUN
ajbmeb-1017	81	5	of	of	ADP
ajbmeb-1017	81	6	smes	sme	NOUN
ajbmeb-1017	81	7	to	to	ADP
ajbmeb-1017	81	8	these	these	DET
ajbmeb-1017	81	9	economies	economy	NOUN
ajbmeb-1017	81	10	'	'	PART
ajbmeb-1017	81	11	economy	economy	NOUN
ajbmeb-1017	81	12	,	,	PUNCT
ajbmeb-1017	81	13	we	we	PRON
ajbmeb-1017	81	14	first	first	ADV
ajbmeb-1017	81	15	look	look	VERB
ajbmeb-1017	81	16	at	at	ADP
ajbmeb-1017	81	17	the	the	DET
ajbmeb-1017	81	18	interaction	interaction	NOUN
ajbmeb-1017	81	19	between	between	ADP
ajbmeb-1017	81	20	fintech	fintech	NOUN
ajbmeb-1017	81	21	and	and	CCONJ
ajbmeb-1017	81	22	smes	sme	NOUN
ajbmeb-1017	81	23	in	in	ADP
ajbmeb-1017	81	24	the	the	DET
ajbmeb-1017	81	25	asian	asian	ADJ
ajbmeb-1017	81	26	countries	country	NOUN
ajbmeb-1017	81	27	.	.	PUNCT
ajbmeb-1017	82	1	in	in	ADP
ajbmeb-1017	82	2	order	order	NOUN
ajbmeb-1017	82	3	to	to	PART
ajbmeb-1017	82	4	determine	determine	VERB
ajbmeb-1017	82	5	if	if	SCONJ
ajbmeb-1017	82	6	the	the	DET
ajbmeb-1017	82	7	fintech	fintech	NOUN
ajbmeb-1017	82	8	and	and	CCONJ
ajbmeb-1017	82	9	sme	sme	PROPN
ajbmeb-1017	82	10	nexus	nexus	NOUN
ajbmeb-1017	82	11	during	during	ADP
ajbmeb-1017	82	12	covid-19	covid-19	PROPN
ajbmeb-1017	82	13	in	in	ADP
ajbmeb-1017	82	14	the	the	DET
ajbmeb-1017	82	15	five	five	NUM
ajbmeb-1017	82	16	chosen	choose	VERB
ajbmeb-1017	82	17	asian	asian	ADJ
ajbmeb-1017	82	18	nations	nation	NOUN
ajbmeb-1017	82	19	worked	work	VERB
ajbmeb-1017	82	20	out	out	ADP
ajbmeb-1017	82	21	favorably	favorably	ADV
ajbmeb-1017	82	22	,	,	PUNCT
ajbmeb-1017	82	23	we	we	PRON
ajbmeb-1017	82	24	also	also	ADV
ajbmeb-1017	82	25	constructed	construct	VERB
ajbmeb-1017	82	26	the	the	DET
ajbmeb-1017	82	27	five	five	NUM
ajbmeb-1017	82	28	survey	survey	NOUN
ajbmeb-1017	82	29	criteria	criterion	NOUN
ajbmeb-1017	82	30	.	.	PUNCT
ajbmeb-1017	83	1	third	third	ADJ
ajbmeb-1017	83	2	,	,	PUNCT
ajbmeb-1017	83	3	using	use	VERB
ajbmeb-1017	83	4	factor	factor	NOUN
ajbmeb-1017	83	5	analysis	analysis	NOUN
ajbmeb-1017	83	6	,	,	PUNCT
ajbmeb-1017	83	7	we	we	PRON
ajbmeb-1017	83	8	determined	determine	VERB
ajbmeb-1017	83	9	which	which	DET
ajbmeb-1017	83	10	elements	element	NOUN
ajbmeb-1017	83	11	were	be	AUX
ajbmeb-1017	83	12	most	most	ADV
ajbmeb-1017	83	13	and	and	CCONJ
ajbmeb-1017	83	14	least	least	ADV
ajbmeb-1017	83	15	critical	critical	ADJ
ajbmeb-1017	83	16	to	to	ADP
ajbmeb-1017	83	17	the	the	DET
ajbmeb-1017	83	18	relationship	relationship	NOUN
ajbmeb-1017	83	19	between	between	ADP
ajbmeb-1017	83	20	fintech	fintech	NOUN
ajbmeb-1017	83	21	and	and	CCONJ
ajbmeb-1017	83	22	smes	sme	NOUN
ajbmeb-1017	83	23	.	.	PUNCT
ajbmeb-1017	84	1	the	the	DET
ajbmeb-1017	84	2	kruskal	kruskal	PROPN
ajbmeb-1017	84	3	-	-	PUNCT
ajbmeb-1017	84	4	wallis	wallis	PROPN
ajbmeb-1017	84	5	test	test	NOUN
ajbmeb-1017	84	6	is	be	AUX
ajbmeb-1017	84	7	used	use	VERB
ajbmeb-1017	84	8	to	to	PART
ajbmeb-1017	84	9	confirm	confirm	VERB
ajbmeb-1017	84	10	our	our	PRON
ajbmeb-1017	84	11	results	result	NOUN
ajbmeb-1017	84	12	,	,	PUNCT
ajbmeb-1017	84	13	assuring	assure	VERB
ajbmeb-1017	84	14	their	their	PRON
ajbmeb-1017	84	15	reliability	reliability	NOUN
ajbmeb-1017	84	16	and	and	CCONJ
ajbmeb-1017	84	17	the	the	DET
ajbmeb-1017	84	18	ranking	ranking	NOUN
ajbmeb-1017	84	19	of	of	ADP
ajbmeb-1017	84	20	smes	sme	NOUN
ajbmeb-1017	84	21	relative	relative	ADJ
ajbmeb-1017	84	22	to	to	ADP
ajbmeb-1017	84	23	asian	asian	ADJ
ajbmeb-1017	84	24	nations	nation	NOUN
ajbmeb-1017	84	25	.	.	PUNCT
ajbmeb-1017	85	1	the	the	DET
ajbmeb-1017	85	2	discussion	discussion	NOUN
ajbmeb-1017	85	3	of	of	ADP
ajbmeb-1017	85	4	the	the	DET
ajbmeb-1017	85	5	policy	policy	NOUN
ajbmeb-1017	85	6	implications	implication	NOUN
ajbmeb-1017	85	7	for	for	ADP
ajbmeb-1017	85	8	regulatory	regulatory	ADJ
ajbmeb-1017	85	9	agencies	agency	NOUN
ajbmeb-1017	85	10	,	,	PUNCT
ajbmeb-1017	85	11	decision	decision	NOUN
ajbmeb-1017	85	12	-	-	PUNCT
ajbmeb-1017	85	13	makers	maker	NOUN
ajbmeb-1017	85	14	,	,	PUNCT
ajbmeb-1017	85	15	asian	asian	ADJ
ajbmeb-1017	85	16	nations	nation	NOUN
ajbmeb-1017	85	17	,	,	PUNCT
ajbmeb-1017	85	18	and	and	CCONJ
ajbmeb-1017	85	19	smes	sme	NOUN
ajbmeb-1017	85	20	is	be	AUX
ajbmeb-1017	85	21	then	then	ADV
ajbmeb-1017	85	22	based	base	VERB
ajbmeb-1017	85	23	on	on	ADP
ajbmeb-1017	85	24	this	this	DET
ajbmeb-1017	85	25	strong	strong	ADJ
ajbmeb-1017	85	26	set	set	NOUN
ajbmeb-1017	85	27	of	of	ADP
ajbmeb-1017	85	28	findings	finding	NOUN
ajbmeb-1017	85	29	,	,	PUNCT
ajbmeb-1017	85	30	and	and	CCONJ
ajbmeb-1017	85	31	strategies	strategy	NOUN
ajbmeb-1017	85	32	for	for	ADP
ajbmeb-1017	85	33	fostering	foster	VERB
ajbmeb-1017	85	34	fintech	fintech	NOUN
ajbmeb-1017	85	35	solutions	solution	NOUN
ajbmeb-1017	85	36	to	to	PART
ajbmeb-1017	85	37	ease	ease	VERB
ajbmeb-1017	85	38	digital	digital	ADJ
ajbmeb-1017	85	39	transactions	transaction	NOUN
ajbmeb-1017	85	40	are	be	AUX
ajbmeb-1017	85	41	suggested	suggest	VERB
ajbmeb-1017	85	42	.	.	PUNCT
ajbmeb-1017	86	1	according	accord	VERB
ajbmeb-1017	86	2	to	to	ADP
ajbmeb-1017	86	3	the	the	DET
ajbmeb-1017	86	4	findings	finding	NOUN
ajbmeb-1017	86	5	of	of	ADP
ajbmeb-1017	86	6	the	the	DET
ajbmeb-1017	86	7	factor	factor	NOUN
ajbmeb-1017	86	8	analysis	analysis	NOUN
ajbmeb-1017	86	9	,	,	PUNCT
ajbmeb-1017	86	10	new	new	ADJ
ajbmeb-1017	86	11	fintech	fintech	NOUN
ajbmeb-1017	86	12	usage	usage	NOUN
ajbmeb-1017	86	13	by	by	ADP
ajbmeb-1017	86	14	smes	sme	NOUN
ajbmeb-1017	86	15	,	,	PUNCT
ajbmeb-1017	86	16	or	or	CCONJ
ajbmeb-1017	86	17	"	"	PUNCT
ajbmeb-1017	86	18	collisions	collision	NOUN
ajbmeb-1017	86	19	,	,	PUNCT
ajbmeb-1017	86	20	"	"	PUNCT
ajbmeb-1017	86	21	during	during	ADP
ajbmeb-1017	86	22	covid-19	covid-19	PROPN
ajbmeb-1017	86	23	was	be	AUX
ajbmeb-1017	86	24	one	one	NUM
ajbmeb-1017	86	25	of	of	ADP
ajbmeb-1017	86	26	the	the	DET
ajbmeb-1017	86	27	most	most	ADV
ajbmeb-1017	86	28	important	important	ADJ
ajbmeb-1017	86	29	reasons	reason	NOUN
ajbmeb-1017	86	30	in	in	ADP
ajbmeb-1017	86	31	the	the	DET
ajbmeb-1017	86	32	expansion	expansion	NOUN
ajbmeb-1017	86	33	of	of	ADP
ajbmeb-1017	86	34	the	the	DET
ajbmeb-1017	86	35	fintech	fintech	NOUN
ajbmeb-1017	86	36	sector	sector	NOUN
ajbmeb-1017	86	37	in	in	ADP
ajbmeb-1017	86	38	asian	asian	PROPN
ajbmeb-1017	86	39	.	.	PUNCT
ajbmeb-1017	87	1	this	this	PRON
ajbmeb-1017	87	2	demonstrates	demonstrate	VERB
ajbmeb-1017	87	3	their	their	PRON
ajbmeb-1017	87	4	progress	progress	NOUN
ajbmeb-1017	87	5	and	and	CCONJ
ajbmeb-1017	87	6	knowledge	knowledge	NOUN
ajbmeb-1017	87	7	of	of	ADP
ajbmeb-1017	87	8	fintech	fintech	NOUN
ajbmeb-1017	87	9	solutions	solution	NOUN
ajbmeb-1017	87	10	.	.	PUNCT
ajbmeb-1017	88	1	we	we	PRON
ajbmeb-1017	88	2	also	also	ADV
ajbmeb-1017	88	3	note	note	VERB
ajbmeb-1017	88	4	that	that	SCONJ
ajbmeb-1017	88	5	conventional	conventional	ADJ
ajbmeb-1017	88	6	financial	financial	ADJ
ajbmeb-1017	88	7	institutions	institution	NOUN
ajbmeb-1017	88	8	and	and	CCONJ
ajbmeb-1017	88	9	regulatory	regulatory	ADJ
ajbmeb-1017	88	10	bodies	body	NOUN
ajbmeb-1017	88	11	erected	erect	VERB
ajbmeb-1017	88	12	obstacles	obstacle	NOUN
ajbmeb-1017	88	13	for	for	ADP
ajbmeb-1017	88	14	smes	sme	NOUN
ajbmeb-1017	88	15	in	in	ADP
ajbmeb-1017	88	16	the	the	DET
ajbmeb-1017	88	17	form	form	NOUN
ajbmeb-1017	88	18	of	of	ADP
ajbmeb-1017	88	19	a	a	DET
ajbmeb-1017	88	20	lack	lack	NOUN
ajbmeb-1017	88	21	of	of	ADP
ajbmeb-1017	88	22	loan	loan	NOUN
ajbmeb-1017	88	23	availability	availability	NOUN
ajbmeb-1017	88	24	and	and	CCONJ
ajbmeb-1017	88	25	restricted	restricted	ADJ
ajbmeb-1017	88	26	access	access	NOUN
ajbmeb-1017	88	27	to	to	ADP
ajbmeb-1017	88	28	financing	financing	NOUN
ajbmeb-1017	88	29	options	option	NOUN
ajbmeb-1017	88	30	like	like	ADP
ajbmeb-1017	88	31	credit	credit	NOUN
ajbmeb-1017	88	32	.	.	PUNCT
ajbmeb-1017	89	1	the	the	DET
ajbmeb-1017	89	2	asian	asian	ADJ
ajbmeb-1017	89	3	economies	economy	NOUN
ajbmeb-1017	89	4	outperformed	outperform	VERB
ajbmeb-1017	89	5	many	many	ADJ
ajbmeb-1017	89	6	others	other	NOUN
ajbmeb-1017	89	7	during	during	ADP
ajbmeb-1017	89	8	covid-19	covid-19	PROPN
ajbmeb-1017	89	9	because	because	SCONJ
ajbmeb-1017	89	10	of	of	ADP
ajbmeb-1017	89	11	their	their	PRON
ajbmeb-1017	89	12	focus	focus	NOUN
ajbmeb-1017	89	13	on	on	ADP
ajbmeb-1017	89	14	digital	digital	ADJ
ajbmeb-1017	89	15	transactions	transaction	NOUN
ajbmeb-1017	89	16	,	,	PUNCT
ajbmeb-1017	89	17	peer	peer	NOUN
ajbmeb-1017	89	18	-	-	PUNCT
ajbmeb-1017	89	19	to	to	ADP
ajbmeb-1017	89	20	-	-	PUNCT
ajbmeb-1017	89	21	peer	peer	NOUN
ajbmeb-1017	89	22	(	(	PUNCT
ajbmeb-1017	89	23	p2p	p2p	NOUN
ajbmeb-1017	89	24	)	)	PUNCT
ajbmeb-1017	89	25	financing	financing	NOUN
ajbmeb-1017	89	26	,	,	PUNCT
ajbmeb-1017	89	27	and	and	CCONJ
ajbmeb-1017	89	28	custom	custom	NOUN
ajbmeb-1017	89	29	rules	rule	NOUN
ajbmeb-1017	89	30	.	.	PUNCT
ajbmeb-1017	90	1	these	these	DET
ajbmeb-1017	90	2	other	other	ADJ
ajbmeb-1017	90	3	nations	nation	NOUN
ajbmeb-1017	90	4	had	have	VERB
ajbmeb-1017	90	5	lesser	less	ADJ
ajbmeb-1017	90	6	degrees	degree	NOUN
ajbmeb-1017	90	7	of	of	ADP
ajbmeb-1017	90	8	fintech	fintech	NOUN
ajbmeb-1017	90	9	integration	integration	NOUN
ajbmeb-1017	90	10	.	.	PUNCT
ajbmeb-1017	91	1	therefore	therefore	ADV
ajbmeb-1017	91	2	,	,	PUNCT
ajbmeb-1017	91	3	we	we	PRON
ajbmeb-1017	91	4	outline	outline	VERB
ajbmeb-1017	91	5	the	the	DET
ajbmeb-1017	91	6	varied	varied	ADJ
ajbmeb-1017	91	7	effects	effect	NOUN
ajbmeb-1017	91	8	of	of	ADP
ajbmeb-1017	91	9	the	the	DET
ajbmeb-1017	91	10	widespread	widespread	ADJ
ajbmeb-1017	91	11	use	use	NOUN
ajbmeb-1017	91	12	of	of	ADP
ajbmeb-1017	91	13	fintech	fintech	NOUN
ajbmeb-1017	91	14	on	on	ADP
ajbmeb-1017	91	15	policymakers	policymaker	NOUN
ajbmeb-1017	91	16	,	,	PUNCT
ajbmeb-1017	91	17	regulators	regulator	NOUN
ajbmeb-1017	91	18	,	,	PUNCT
ajbmeb-1017	91	19	asian	asian	ADJ
ajbmeb-1017	91	20	nations	nation	NOUN
ajbmeb-1017	91	21	,	,	PUNCT
ajbmeb-1017	91	22	and	and	CCONJ
ajbmeb-1017	91	23	smes	sme	NOUN
ajbmeb-1017	91	24	,	,	PUNCT
ajbmeb-1017	91	25	as	as	ADV
ajbmeb-1017	91	26	well	well	ADV
ajbmeb-1017	91	27	as	as	ADP
ajbmeb-1017	91	28	potential	potential	ADJ
ajbmeb-1017	91	29	changes	change	NOUN
ajbmeb-1017	91	30	to	to	ADP
ajbmeb-1017	91	31	their	their	PRON
ajbmeb-1017	91	32	adoption	adoption	NOUN
ajbmeb-1017	91	33	and	and	CCONJ
ajbmeb-1017	91	34	regulation	regulation	NOUN
ajbmeb-1017	91	35	of	of	ADP
ajbmeb-1017	91	36	strategies	strategy	NOUN
ajbmeb-1017	91	37	to	to	PART
ajbmeb-1017	91	38	simplify	simplify	VERB
ajbmeb-1017	91	39	digital	digital	ADJ
ajbmeb-1017	91	40	financial	financial	ADJ
ajbmeb-1017	91	41	operations	operation	NOUN
ajbmeb-1017	91	42	.	.	PUNCT
ajbmeb-1017	92	1	in	in	ADP
ajbmeb-1017	92	2	conclusion	conclusion	NOUN
ajbmeb-1017	92	3	,	,	PUNCT
ajbmeb-1017	92	4	fintech	fintech	NOUN
ajbmeb-1017	92	5	is	be	AUX
ajbmeb-1017	92	6	proving	prove	VERB
ajbmeb-1017	92	7	to	to	PART
ajbmeb-1017	92	8	be	be	AUX
ajbmeb-1017	92	9	a	a	DET
ajbmeb-1017	92	10	game	game	NOUN
ajbmeb-1017	92	11	-	-	PUNCT
ajbmeb-1017	92	12	changer	changer	NOUN
ajbmeb-1017	92	13	for	for	ADP
ajbmeb-1017	92	14	small	small	ADJ
ajbmeb-1017	92	15	and	and	CCONJ
ajbmeb-1017	92	16	medium	medium	ADJ
ajbmeb-1017	92	17	enterprises	enterprise	NOUN
ajbmeb-1017	92	18	in	in	ADP
ajbmeb-1017	92	19	asian	asian	ADJ
ajbmeb-1017	92	20	countries	country	NOUN
ajbmeb-1017	92	21	.	.	PUNCT
ajbmeb-1017	93	1	it	it	PRON
ajbmeb-1017	93	2	is	be	AUX
ajbmeb-1017	93	3	providing	provide	VERB
ajbmeb-1017	93	4	effective	effective	ADJ
ajbmeb-1017	93	5	solutions	solution	NOUN
ajbmeb-1017	93	6	to	to	ADP
ajbmeb-1017	93	7	the	the	DET
ajbmeb-1017	93	8	financial	financial	ADJ
ajbmeb-1017	93	9	challenges	challenge	NOUN
ajbmeb-1017	93	10	faced	face	VERB
ajbmeb-1017	93	11	by	by	ADP
ajbmeb-1017	93	12	these	these	DET
ajbmeb-1017	93	13	businesses	business	NOUN
ajbmeb-1017	93	14	,	,	PUNCT
ajbmeb-1017	93	15	such	such	ADJ
ajbmeb-1017	93	16	as	as	ADP
ajbmeb-1017	93	17	limited	limited	ADJ
ajbmeb-1017	93	18	access	access	NOUN
ajbmeb-1017	93	19	to	to	ADP
ajbmeb-1017	93	20	finance	finance	NOUN
ajbmeb-1017	93	21	and	and	CCONJ
ajbmeb-1017	93	22	complex	complex	ADJ
ajbmeb-1017	93	23	regulatory	regulatory	ADJ
ajbmeb-1017	93	24	requirements	requirement	NOUN
ajbmeb-1017	93	25	.	.	PUNCT
ajbmeb-1017	94	1	the	the	DET
ajbmeb-1017	94	2	adoption	adoption	NOUN
ajbmeb-1017	94	3	of	of	ADP
ajbmeb-1017	94	4	fintech	fintech	NOUN
ajbmeb-1017	94	5	solutions	solution	NOUN
ajbmeb-1017	94	6	has	have	AUX
ajbmeb-1017	94	7	enabled	enable	VERB
ajbmeb-1017	94	8	smes	sme	NOUN
ajbmeb-1017	94	9	to	to	PART
ajbmeb-1017	94	10	access	access	VERB
ajbmeb-1017	94	11	affordable	affordable	ADJ
ajbmeb-1017	94	12	financing	financing	NOUN
ajbmeb-1017	94	13	,	,	PUNCT
ajbmeb-1017	94	14	streamline	streamline	VERB
ajbmeb-1017	94	15	their	their	PRON
ajbmeb-1017	94	16	operations	operation	NOUN
ajbmeb-1017	94	17	,	,	PUNCT
ajbmeb-1017	94	18	and	and	CCONJ
ajbmeb-1017	94	19	reach	reach	VERB
ajbmeb-1017	94	20	new	new	ADJ
ajbmeb-1017	94	21	customers	customer	NOUN
ajbmeb-1017	94	22	.	.	PUNCT
ajbmeb-1017	95	1	however	however	ADV
ajbmeb-1017	95	2	,	,	PUNCT
ajbmeb-1017	95	3	there	there	PRON
ajbmeb-1017	95	4	are	be	VERB
ajbmeb-1017	95	5	still	still	ADV
ajbmeb-1017	95	6	some	some	DET
ajbmeb-1017	95	7	challenges	challenge	NOUN
ajbmeb-1017	95	8	that	that	PRON
ajbmeb-1017	95	9	need	need	VERB
ajbmeb-1017	95	10	to	to	PART
ajbmeb-1017	95	11	be	be	AUX
ajbmeb-1017	95	12	addressed	address	VERB
ajbmeb-1017	95	13	,	,	PUNCT
ajbmeb-1017	95	14	such	such	ADJ
ajbmeb-1017	95	15	as	as	ADP
ajbmeb-1017	95	16	cybersecurity	cybersecurity	NOUN
ajbmeb-1017	95	17	risks	risk	NOUN
ajbmeb-1017	95	18	and	and	CCONJ
ajbmeb-1017	95	19	the	the	DET
ajbmeb-1017	95	20	need	need	NOUN
ajbmeb-1017	95	21	for	for	ADP
ajbmeb-1017	95	22	better	well	ADJ
ajbmeb-1017	95	23	regulatory	regulatory	ADJ
ajbmeb-1017	95	24	frameworks	framework	NOUN
ajbmeb-1017	95	25	.	.	PUNCT
ajbmeb-1017	96	1	overall	overall	ADV
ajbmeb-1017	96	2	,	,	PUNCT
ajbmeb-1017	96	3	the	the	DET
ajbmeb-1017	96	4	future	future	NOUN
ajbmeb-1017	96	5	of	of	ADP
ajbmeb-1017	96	6	fintech	fintech	NOUN
ajbmeb-1017	96	7	in	in	ADP
ajbmeb-1017	96	8	asian	asian	ADJ
ajbmeb-1017	96	9	countries	country	NOUN
ajbmeb-1017	96	10	looks	look	VERB
ajbmeb-1017	96	11	bright	bright	ADJ
ajbmeb-1017	96	12	,	,	PUNCT
ajbmeb-1017	96	13	and	and	CCONJ
ajbmeb-1017	96	14	it	it	PRON
ajbmeb-1017	96	15	is	be	AUX
ajbmeb-1017	96	16	expected	expect	VERB
ajbmeb-1017	96	17	to	to	PART
ajbmeb-1017	96	18	continue	continue	VERB
ajbmeb-1017	96	19	driving	drive	VERB
ajbmeb-1017	96	20	growth	growth	NOUN
ajbmeb-1017	96	21	and	and	CCONJ
ajbmeb-1017	96	22	innovation	innovation	NOUN
ajbmeb-1017	96	23	in	in	ADP
ajbmeb-1017	96	24	the	the	DET
ajbmeb-1017	96	25	region	region	NOUN
ajbmeb-1017	96	26	's	's	PART
ajbmeb-1017	96	27	sme	sme	NOUN
ajbmeb-1017	96	28	sector	sector	NOUN
ajbmeb-1017	96	29	.	.	PUNCT
ajbmeb-1017	97	1	american	american	ADJ
ajbmeb-1017	97	2	journal	journal	PROPN
ajbmeb-1017	97	3	of	of	ADP
ajbmeb-1017	97	4	business	business	NOUN
ajbmeb-1017	97	5	management	management	NOUN
ajbmeb-1017	97	6	,	,	PUNCT
ajbmeb-1017	97	7	economics	economic	NOUN
ajbmeb-1017	97	8	and	and	CCONJ
ajbmeb-1017	97	9	banking	banking	NOUN
ajbmeb-1017	97	10	volume	volume	NOUN
ajbmeb-1017	97	11	13	13	NUM
ajbmeb-1017	97	12	june	june	PROPN
ajbmeb-1017	97	13	,	,	PUNCT
ajbmeb-1017	97	14	2023	2023	NUM
ajbmeb-1017	97	15	p	p	NOUN
ajbmeb-1017	97	16	a	a	PRON
ajbmeb-1017	97	17	g	g	NOUN
ajbmeb-1017	97	18	e	e	NOUN
ajbmeb-1017	97	19	|	|	ADV
ajbmeb-1017	97	20	122	122	NUM
ajbmeb-1017	97	21	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1017	97	22	references	reference	NOUN
ajbmeb-1017	97	23	1	1	NUM
ajbmeb-1017	97	24	.	.	PUNCT
ajbmeb-1017	98	1	https://www.sciencedirect.com/science/article/abs/pii/s0313592622000868	https://www.sciencedirect.com/science/article/abs/pii/s0313592622000868	PROPN
ajbmeb-1017	98	2	2	2	NUM
ajbmeb-1017	98	3	.	.	PUNCT
ajbmeb-1017	98	4	procedia	procedia	NOUN
ajbmeb-1017	98	5	-	-	PUNCT
ajbmeb-1017	98	6	soc	soc	NOUN
ajbmeb-1017	98	7	.	.	PUNCT
ajbmeb-1017	99	1	behav	behav	PROPN
ajbmeb-1017	99	2	.	.	PUNCT
ajbmeb-1017	100	1	sci	sci	PROPN
ajbmeb-1017	100	2	.	.	PUNCT
ajbmeb-1017	101	1	a	a	DET
ajbmeb-1017	101	2	research	research	NOUN
ajbmeb-1017	101	3	on	on	ADP
ajbmeb-1017	101	4	determining	determine	VERB
ajbmeb-1017	101	5	innovation	innovation	NOUN
ajbmeb-1017	101	6	factors	factor	NOUN
ajbmeb-1017	101	7	for	for	ADP
ajbmeb-1017	101	8	smes	sme	NOUN
ajbmeb-1017	101	9	3	3	NUM
ajbmeb-1017	101	10	.	.	PUNCT
ajbmeb-1017	101	11	caballero	caballero	PROPN
ajbmeb-1017	101	12	-	-	PUNCT
ajbmeb-1017	101	13	moraless.-o	moraless.-o	PROPN
ajbmeb-1017	101	14	.	.	NOUN
ajbmeb-1017	101	15	innovation	innovation	NOUN
ajbmeb-1017	101	16	as	as	ADP
ajbmeb-1017	101	17	recovery	recovery	NOUN
ajbmeb-1017	101	18	strategy	strategy	NOUN
ajbmeb-1017	101	19	for	for	ADP
ajbmeb-1017	101	20	smes	sme	NOUN
ajbmeb-1017	101	21	in	in	ADP
ajbmeb-1017	101	22	emerging	emerge	VERB
ajbmeb-1017	101	23	economies	economy	NOUN
ajbmeb-1017	101	24	during	during	ADP
ajbmeb-1017	101	25	the	the	DET
ajbmeb-1017	101	26	covid-19	covid-19	PROPN
ajbmeb-1017	101	27	pandemic	pandemic	NOUN
ajbmeb-1017	101	28	.	.	PUNCT
ajbmeb-1017	102	1	4	4	X
ajbmeb-1017	102	2	.	.	X
ajbmeb-1017	102	3	fintech	fintech	NOUN
ajbmeb-1017	102	4	and	and	CCONJ
ajbmeb-1017	102	5	smes	sme	NOUN
ajbmeb-1017	102	6	sustainable	sustainable	ADJ
ajbmeb-1017	102	7	business	business	NOUN
ajbmeb-1017	102	8	models	model	NOUN
ajbmeb-1017	102	9	:	:	PUNCT
ajbmeb-1017	102	10	reflections	reflection	NOUN
ajbmeb-1017	102	11	and	and	CCONJ
ajbmeb-1017	102	12	considerations	consideration	NOUN
ajbmeb-1017	102	13	for	for	ADP
ajbmeb-1017	102	14	a	a	DET
ajbmeb-1017	102	15	circular	circular	ADJ
ajbmeb-1017	102	16	economy	economy	NOUN
ajbmeb-1017	102	17	.	.	PUNCT
ajbmeb-1017	103	1	cleaner	clean	ADJ
ajbmeb-1017	103	2	prod	prod	NOUN
ajbmeb-1017	103	3	.	.	PUNCT
ajbmeb-1017	104	1	(	(	PUNCT
ajbmeb-1017	104	2	2021	2021	NUM
ajbmeb-1017	104	3	)	)	PUNCT
ajbmeb-1017	104	4	5	5	NUM
ajbmeb-1017	104	5	.	.	PUNCT
ajbmeb-1017	105	1	the	the	DET
ajbmeb-1017	105	2	theory	theory	NOUN
ajbmeb-1017	105	3	of	of	ADP
ajbmeb-1017	105	4	planned	plan	VERB
ajbmeb-1017	105	5	behavior	behavior	NOUN
ajbmeb-1017	105	6	organ	organ	NOUN
ajbmeb-1017	105	7	.	.	PUNCT
ajbmeb-1017	106	1	behav	behav	PROPN
ajbmeb-1017	106	2	.	.	PUNCT
ajbmeb-1017	107	1	human	human	PROPN
ajbmeb-1017	107	2	decis	decis	PROPN
ajbmeb-1017	107	3	.	.	PROPN
ajbmeb-1017	107	4	process	process	NOUN
ajbmeb-1017	107	5	.	.	PUNCT
ajbmeb-1017	108	1	(	(	PUNCT
ajbmeb-1017	108	2	1991	1991	NUM
ajbmeb-1017	108	3	)	)	PUNCT
ajbmeb-1017	108	4	6	6	NUM
ajbmeb-1017	108	5	.	.	PUNCT
ajbmeb-1017	108	6	predicting	predict	VERB
ajbmeb-1017	108	7	e	e	NOUN
ajbmeb-1017	108	8	-	-	NOUN
ajbmeb-1017	108	9	readiness	readiness	NOUN
ajbmeb-1017	108	10	at	at	ADP
ajbmeb-1017	108	11	firm	firm	ADJ
ajbmeb-1017	108	12	-	-	PUNCT
ajbmeb-1017	108	13	level	level	NOUN
ajbmeb-1017	108	14	:	:	PUNCT
ajbmeb-1017	108	15	an	an	DET
ajbmeb-1017	108	16	analysis	analysis	NOUN
ajbmeb-1017	108	17	of	of	ADP
ajbmeb-1017	108	18	technological	technological	ADJ
ajbmeb-1017	108	19	,	,	PUNCT
ajbmeb-1017	108	20	organizational	organizational	ADJ
ajbmeb-1017	108	21	and	and	CCONJ
ajbmeb-1017	108	22	environmental	environmental	ADJ
ajbmeb-1017	108	23	(	(	PUNCT
ajbmeb-1017	108	24	toe	toe	NOUN
ajbmeb-1017	108	25	)	)	PUNCT
ajbmeb-1017	108	26	effects	effect	NOUN
ajbmeb-1017	108	27	on	on	ADP
ajbmeb-1017	108	28	e	e	NOUN
ajbmeb-1017	108	29	-	-	NOUN
ajbmeb-1017	108	30	maintenance	maintenance	NOUN
ajbmeb-1017	108	31	readiness	readiness	NOUN
ajbmeb-1017	108	32	in	in	ADP
ajbmeb-1017	108	33	manufacturing	manufacturing	NOUN
ajbmeb-1017	108	34	firms	firm	NOUN
ajbmeb-1017	108	35	,	,	PUNCT
ajbmeb-1017	108	36	int	int	NOUN
ajbmeb-1017	108	37	.	.	PUNCT
ajbmeb-1017	109	1	j.	j.	PROPN
ajbmeb-1017	109	2	inf	inf	PROPN
ajbmeb-1017	109	3	.	.	PUNCT
ajbmeb-1017	109	4	manage	manage	VERB
ajbmeb-1017	109	5	.	.	PUNCT
ajbmeb-1017	110	1	(	(	PUNCT
ajbmeb-1017	110	2	2014	2014	NUM
ajbmeb-1017	110	3	)	)	PUNCT
ajbmeb-1017	110	4	.	.	PUNCT
ajbmeb-1017	111	1	https://www.sciencedirect.com/science/article/abs/pii/s0313592622000868	https://www.sciencedirect.com/science/article/abs/pii/s0313592622000868	VERB