id	sid	tid	token	lemma	pos
ajbmeb-1131	1	1	american	american	PROPN
ajbmeb-1131	1	2	journal	journal	PROPN
ajbmeb-1131	1	3	of	of	ADP
ajbmeb-1131	1	4	business	business	NOUN
ajbmeb-1131	1	5	management	management	NOUN
ajbmeb-1131	1	6	,	,	PUNCT
ajbmeb-1131	1	7	economics	economic	NOUN
ajbmeb-1131	1	8	and	and	CCONJ
ajbmeb-1131	1	9	banking	banking	NOUN
ajbmeb-1131	1	10	issn	issn	PROPN
ajbmeb-1131	1	11	(	(	PUNCT
ajbmeb-1131	1	12	e	e	NOUN
ajbmeb-1131	1	13	):	):	PUNCT
ajbmeb-1131	1	14	2832	2832	NUM
ajbmeb-1131	1	15	-	-	SYM
ajbmeb-1131	1	16	8078	8078	NUM
ajbmeb-1131	1	17	volume	volume	NOUN
ajbmeb-1131	1	18	15	15	NUM
ajbmeb-1131	1	19	,	,	PUNCT
ajbmeb-1131	1	20	|	|	ADV
ajbmeb-1131	1	21	august	august	PROPN
ajbmeb-1131	1	22	,	,	PUNCT
ajbmeb-1131	1	23	2023	2023	NUM
ajbmeb-1131	1	24	p	p	NOUN
ajbmeb-1131	1	25	a	a	DET
ajbmeb-1131	1	26	g	g	NOUN
ajbmeb-1131	1	27	e	e	NOUN
ajbmeb-1131	1	28	|	|	ADV
ajbmeb-1131	1	29	38	38	NUM
ajbmeb-1131	1	30	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1131	1	31	financial	financial	ADJ
ajbmeb-1131	1	32	technology	technology	NOUN
ajbmeb-1131	1	33	in	in	ADP
ajbmeb-1131	1	34	iraq	iraq	PROPN
ajbmeb-1131	1	35	:	:	PUNCT
ajbmeb-1131	1	36	obstacles	obstacle	NOUN
ajbmeb-1131	1	37	and	and	CCONJ
ajbmeb-1131	1	38	requirements	requirement	NOUN
ajbmeb-1131	1	39	,	,	PUNCT
ajbmeb-1131	1	40	regarding	regard	VERB
ajbmeb-1131	1	41	to	to	ADP
ajbmeb-1131	1	42	selected	select	VERB
ajbmeb-1131	1	43	international	international	ADJ
ajbmeb-1131	1	44	experiences	experience	NOUN
ajbmeb-1131	1	45	hayder	hayder	NOUN
ajbmeb-1131	1	46	m.	m.	PROPN
ajbmeb-1131	1	47	kareem	kareem	PROPN
ajbmeb-1131	1	48	alduhaidahawi1	alduhaidahawi1	PROPN
ajbmeb-1131	1	49	,	,	PUNCT
ajbmeb-1131	1	50	hussein	hussein	PROPN
ajbmeb-1131	1	51	ali	ali	PROPN
ajbmeb-1131	1	52	abed2	abed2	PROPN
ajbmeb-1131	1	53	,	,	PUNCT
ajbmeb-1131	1	54	mustafa	mustafa	PROPN
ajbmeb-1131	1	55	s.	s.	PROPN
ajbmeb-1131	1	56	abdulreza3	abdulreza3	PROPN
ajbmeb-1131	2	1	1lecturer	1lecturer	NUM
ajbmeb-1131	2	2	dr	dr	PROPN
ajbmeb-1131	2	3	.	.	PROPN
ajbmeb-1131	2	4	hayder	hayder	PROPN
ajbmeb-1131	2	5	m.	m.	PROPN
ajbmeb-1131	2	6	kareem	kareem	PROPN
ajbmeb-1131	2	7	alduhaidahawi	alduhaidahawi	PROPN
ajbmeb-1131	2	8	,	,	PUNCT
ajbmeb-1131	2	9	doctoral	doctoral	ADJ
ajbmeb-1131	2	10	of	of	ADP
ajbmeb-1131	2	11	financial	financial	ADJ
ajbmeb-1131	2	12	management	management	NOUN
ajbmeb-1131	2	13	,	,	PUNCT
ajbmeb-1131	2	14	department	department	NOUN
ajbmeb-1131	2	15	of	of	ADP
ajbmeb-1131	2	16	finance	finance	NOUN
ajbmeb-1131	2	17	and	and	CCONJ
ajbmeb-1131	2	18	banking	banking	NOUN
ajbmeb-1131	2	19	sciences	science	NOUN
ajbmeb-1131	2	20	,	,	PUNCT
ajbmeb-1131	2	21	faculty	faculty	NOUN
ajbmeb-1131	2	22	of	of	ADP
ajbmeb-1131	2	23	imam	imam	PROPN
ajbmeb-1131	2	24	al	al	PROPN
ajbmeb-1131	2	25	-	-	PUNCT
ajbmeb-1131	2	26	kadhum	kadhum	PROPN
ajbmeb-1131	2	27	college	college	PROPN
ajbmeb-1131	2	28	(	(	PUNCT
ajbmeb-1131	2	29	ikc	ikc	PROPN
ajbmeb-1131	2	30	)	)	PUNCT
ajbmeb-1131	2	31	,	,	PUNCT
ajbmeb-1131	2	32	iraq	iraq	PROPN
ajbmeb-1131	2	33	,	,	PUNCT
ajbmeb-1131	2	34	hayder.mo@alkadhum-col.edu.iq	hayder.mo@alkadhum-col.edu.iq	PROPN
ajbmeb-1131	2	35	(	(	PUNCT
ajbmeb-1131	2	36	corresponding	corresponding	ADJ
ajbmeb-1131	2	37	author	author	NOUN
ajbmeb-1131	2	38	)	)	PUNCT
ajbmeb-1131	2	39	.	.	PUNCT
ajbmeb-1131	3	1	2ass	2ass	NUM
ajbmeb-1131	3	2	.	.	PROPN
ajbmeb-1131	3	3	prof	prof	PROPN
ajbmeb-1131	3	4	.	.	PROPN
ajbmeb-1131	3	5	hussein	hussein	PROPN
ajbmeb-1131	3	6	ali	ali	PROPN
ajbmeb-1131	3	7	abed	abed	PROPN
ajbmeb-1131	3	8	,	,	PUNCT
ajbmeb-1131	3	9	financial	financial	ADJ
ajbmeb-1131	3	10	management	management	NOUN
ajbmeb-1131	3	11	,	,	PUNCT
ajbmeb-1131	3	12	department	department	NOUN
ajbmeb-1131	3	13	of	of	ADP
ajbmeb-1131	3	14	finance	finance	NOUN
ajbmeb-1131	3	15	and	and	CCONJ
ajbmeb-1131	3	16	banking	banking	NOUN
ajbmeb-1131	3	17	sciences	science	NOUN
ajbmeb-1131	3	18	,	,	PUNCT
ajbmeb-1131	3	19	faculty	faculty	NOUN
ajbmeb-1131	3	20	of	of	ADP
ajbmeb-1131	3	21	imam	imam	PROPN
ajbmeb-1131	3	22	al	al	PROPN
ajbmeb-1131	3	23	-	-	PUNCT
ajbmeb-1131	3	24	kadhum	kadhum	PROPN
ajbmeb-1131	3	25	college	college	PROPN
ajbmeb-1131	3	26	(	(	PUNCT
ajbmeb-1131	3	27	ikc	ikc	PROPN
ajbmeb-1131	3	28	)	)	PUNCT
ajbmeb-1131	3	29	,	,	PUNCT
ajbmeb-1131	3	30	hussein84ali@alkadhum-col.edu.iq	hussein84ali@alkadhum-col.edu.iq	PROPN
ajbmeb-1131	3	31	3ass	3ass	PROPN
ajbmeb-1131	3	32	.	.	PUNCT
ajbmeb-1131	4	1	prof	prof	PROPN
ajbmeb-1131	4	2	.	.	PUNCT
ajbmeb-1131	5	1	mustafa	mustafa	PROPN
ajbmeb-1131	5	2	s.	s.	PROPN
ajbmeb-1131	5	3	abdulreza	abdulreza	PROPN
ajbmeb-1131	5	4	al	al	PROPN
ajbmeb-1131	5	5	-	-	PUNCT
ajbmeb-1131	5	6	furat	furat	PROPN
ajbmeb-1131	5	7	al	al	PROPN
ajbmeb-1131	5	8	-	-	PUNCT
ajbmeb-1131	5	9	awsat	awsat	VERB
ajbmeb-1131	5	10	technical	technical	ADJ
ajbmeb-1131	5	11	university	university	PROPN
ajbmeb-1131	5	12	/	/	SYM
ajbmeb-1131	5	13	technical	technical	PROPN
ajbmeb-1131	5	14	institute	institute	PROPN
ajbmeb-1131	5	15	of	of	ADP
ajbmeb-1131	5	16	al	al	PROPN
ajbmeb-1131	5	17	musaib	musaib	PROPN
ajbmeb-1131	5	18	,	,	PUNCT
ajbmeb-1131	5	19	iraq	iraq	PROPN
ajbmeb-1131	5	20	,	,	PUNCT
ajbmeb-1131	5	21	mustafasalam55@yahoo.com	mustafasalam55@yahoo.com	PROPN
ajbmeb-1131	5	22	a	a	DET
ajbmeb-1131	5	23	b	b	PROPN
ajbmeb-1131	5	24	s	s	ADP
ajbmeb-1131	5	25	t	t	PROPN
ajbmeb-1131	5	26	r	r	NOUN
ajbmeb-1131	5	27	a	a	DET
ajbmeb-1131	5	28	c	c	NOUN
ajbmeb-1131	5	29	t	t	NOUN
ajbmeb-1131	6	1	k	k	X
ajbmeb-1131	6	2	e	e	PROPN
ajbmeb-1131	6	3	y	y	PROPN
ajbmeb-1131	6	4	w	w	NOUN
ajbmeb-1131	6	5	o	o	NOUN
ajbmeb-1131	6	6	r	r	NOUN
ajbmeb-1131	6	7	d	d	NOUN
ajbmeb-1131	6	8	s	s	VERB
ajbmeb-1131	6	9	recently	recently	ADV
ajbmeb-1131	6	10	,	,	PUNCT
ajbmeb-1131	6	11	the	the	DET
ajbmeb-1131	6	12	role	role	NOUN
ajbmeb-1131	6	13	of	of	ADP
ajbmeb-1131	6	14	financial	financial	ADJ
ajbmeb-1131	6	15	technologies	technology	NOUN
ajbmeb-1131	6	16	has	have	AUX
ajbmeb-1131	6	17	been	be	AUX
ajbmeb-1131	6	18	growing	grow	VERB
ajbmeb-1131	6	19	in	in	ADP
ajbmeb-1131	6	20	providing	provide	VERB
ajbmeb-1131	6	21	financial	financial	ADJ
ajbmeb-1131	6	22	services	service	NOUN
ajbmeb-1131	6	23	and	and	CCONJ
ajbmeb-1131	6	24	increasing	increase	VERB
ajbmeb-1131	6	25	the	the	DET
ajbmeb-1131	6	26	levels	level	NOUN
ajbmeb-1131	6	27	of	of	ADP
ajbmeb-1131	6	28	financial	financial	ADJ
ajbmeb-1131	6	29	inclusion	inclusion	NOUN
ajbmeb-1131	6	30	and	and	CCONJ
ajbmeb-1131	6	31	the	the	DET
ajbmeb-1131	6	32	total	total	ADJ
ajbmeb-1131	6	33	investment	investment	NOUN
ajbmeb-1131	6	34	in	in	ADP
ajbmeb-1131	6	35	this	this	DET
ajbmeb-1131	6	36	sector	sector	NOUN
ajbmeb-1131	6	37	has	have	AUX
ajbmeb-1131	6	38	increased	increase	VERB
ajbmeb-1131	6	39	.	.	PUNCT
ajbmeb-1131	7	1	these	these	DET
ajbmeb-1131	7	2	technologies	technology	NOUN
ajbmeb-1131	7	3	include	include	VERB
ajbmeb-1131	7	4	many	many	ADJ
ajbmeb-1131	7	5	advanced	advanced	ADJ
ajbmeb-1131	7	6	solutions	solution	NOUN
ajbmeb-1131	7	7	and	and	CCONJ
ajbmeb-1131	7	8	innovations	innovation	NOUN
ajbmeb-1131	7	9	in	in	ADP
ajbmeb-1131	7	10	the	the	DET
ajbmeb-1131	7	11	financial	financial	ADJ
ajbmeb-1131	7	12	field	field	NOUN
ajbmeb-1131	7	13	that	that	PRON
ajbmeb-1131	7	14	contribute	contribute	VERB
ajbmeb-1131	7	15	to	to	ADP
ajbmeb-1131	7	16	overcoming	overcome	VERB
ajbmeb-1131	7	17	the	the	DET
ajbmeb-1131	7	18	challenges	challenge	NOUN
ajbmeb-1131	7	19	facing	face	VERB
ajbmeb-1131	7	20	the	the	DET
ajbmeb-1131	7	21	expansion	expansion	NOUN
ajbmeb-1131	7	22	of	of	ADP
ajbmeb-1131	7	23	the	the	DET
ajbmeb-1131	7	24	provision	provision	NOUN
ajbmeb-1131	7	25	of	of	ADP
ajbmeb-1131	7	26	financial	financial	ADJ
ajbmeb-1131	7	27	services	service	NOUN
ajbmeb-1131	7	28	.	.	PUNCT
ajbmeb-1131	8	1	these	these	DET
ajbmeb-1131	8	2	technologies	technology	NOUN
ajbmeb-1131	8	3	are	be	AUX
ajbmeb-1131	8	4	in	in	ADP
ajbmeb-1131	8	5	line	line	NOUN
ajbmeb-1131	8	6	with	with	ADP
ajbmeb-1131	8	7	the	the	DET
ajbmeb-1131	8	8	rapid	rapid	ADJ
ajbmeb-1131	8	9	development	development	NOUN
ajbmeb-1131	8	10	in	in	ADP
ajbmeb-1131	8	11	commercial	commercial	ADJ
ajbmeb-1131	8	12	exchanges	exchange	NOUN
ajbmeb-1131	8	13	and	and	CCONJ
ajbmeb-1131	8	14	the	the	DET
ajbmeb-1131	8	15	massive	massive	ADJ
ajbmeb-1131	8	16	and	and	CCONJ
ajbmeb-1131	8	17	rapid	rapid	ADJ
ajbmeb-1131	8	18	developments	development	NOUN
ajbmeb-1131	8	19	in	in	ADP
ajbmeb-1131	8	20	the	the	DET
ajbmeb-1131	8	21	emergence	emergence	NOUN
ajbmeb-1131	8	22	and	and	CCONJ
ajbmeb-1131	8	23	development	development	NOUN
ajbmeb-1131	8	24	of	of	ADP
ajbmeb-1131	8	25	markets	market	NOUN
ajbmeb-1131	8	26	and	and	CCONJ
ajbmeb-1131	8	27	the	the	DET
ajbmeb-1131	8	28	volume	volume	NOUN
ajbmeb-1131	8	29	of	of	ADP
ajbmeb-1131	8	30	inter	inter	NOUN
ajbmeb-1131	8	31	-	-	NOUN
ajbmeb-1131	8	32	exchange	exchange	NOUN
ajbmeb-1131	8	33	.	.	PUNCT
ajbmeb-1131	9	1	the	the	DET
ajbmeb-1131	9	2	research	research	NOUN
ajbmeb-1131	9	3	aims	aim	VERB
ajbmeb-1131	9	4	to	to	PART
ajbmeb-1131	9	5	clarify	clarify	VERB
ajbmeb-1131	9	6	the	the	DET
ajbmeb-1131	9	7	most	most	ADV
ajbmeb-1131	9	8	important	important	ADJ
ajbmeb-1131	9	9	obstacles	obstacle	NOUN
ajbmeb-1131	9	10	and	and	CCONJ
ajbmeb-1131	9	11	challenges	challenge	NOUN
ajbmeb-1131	9	12	facing	face	VERB
ajbmeb-1131	9	13	financial	financial	ADJ
ajbmeb-1131	9	14	technology	technology	NOUN
ajbmeb-1131	9	15	in	in	ADP
ajbmeb-1131	9	16	iraq	iraq	PROPN
ajbmeb-1131	9	17	and	and	CCONJ
ajbmeb-1131	9	18	to	to	PART
ajbmeb-1131	9	19	compare	compare	VERB
ajbmeb-1131	9	20	the	the	DET
ajbmeb-1131	9	21	reality	reality	NOUN
ajbmeb-1131	9	22	of	of	ADP
ajbmeb-1131	9	23	these	these	DET
ajbmeb-1131	9	24	technologies	technology	NOUN
ajbmeb-1131	9	25	with	with	ADP
ajbmeb-1131	9	26	some	some	DET
ajbmeb-1131	9	27	arab	arab	ADJ
ajbmeb-1131	9	28	countries	country	NOUN
ajbmeb-1131	9	29	.	.	PUNCT
ajbmeb-1131	10	1	the	the	DET
ajbmeb-1131	10	2	research	research	NOUN
ajbmeb-1131	10	3	came	come	VERB
ajbmeb-1131	10	4	out	out	ADP
ajbmeb-1131	10	5	with	with	ADP
ajbmeb-1131	10	6	a	a	DET
ajbmeb-1131	10	7	set	set	NOUN
ajbmeb-1131	10	8	of	of	ADP
ajbmeb-1131	10	9	conclusions	conclusion	NOUN
ajbmeb-1131	10	10	,	,	PUNCT
ajbmeb-1131	10	11	the	the	DET
ajbmeb-1131	10	12	most	most	ADV
ajbmeb-1131	10	13	important	important	ADJ
ajbmeb-1131	10	14	of	of	ADP
ajbmeb-1131	10	15	which	which	PRON
ajbmeb-1131	10	16	are	be	AUX
ajbmeb-1131	10	17	:	:	PUNCT
ajbmeb-1131	10	18	financial	financial	ADJ
ajbmeb-1131	10	19	technology	technology	NOUN
ajbmeb-1131	10	20	has	have	AUX
ajbmeb-1131	10	21	become	become	VERB
ajbmeb-1131	10	22	an	an	DET
ajbmeb-1131	10	23	economic	economic	ADJ
ajbmeb-1131	10	24	necessity	necessity	NOUN
ajbmeb-1131	10	25	to	to	PART
ajbmeb-1131	10	26	keep	keep	VERB
ajbmeb-1131	10	27	pace	pace	NOUN
ajbmeb-1131	10	28	with	with	ADP
ajbmeb-1131	10	29	other	other	ADJ
ajbmeb-1131	10	30	economic	economic	ADJ
ajbmeb-1131	10	31	developments	development	NOUN
ajbmeb-1131	10	32	,	,	PUNCT
ajbmeb-1131	10	33	especially	especially	ADV
ajbmeb-1131	10	34	after	after	ADP
ajbmeb-1131	10	35	the	the	DET
ajbmeb-1131	10	36	spread	spread	NOUN
ajbmeb-1131	10	37	of	of	ADP
ajbmeb-1131	10	38	electronic	electronic	ADJ
ajbmeb-1131	10	39	transactions	transaction	NOUN
ajbmeb-1131	10	40	significantly	significantly	ADV
ajbmeb-1131	10	41	as	as	ADP
ajbmeb-1131	10	42	a	a	DET
ajbmeb-1131	10	43	result	result	NOUN
ajbmeb-1131	10	44	of	of	ADP
ajbmeb-1131	10	45	the	the	DET
ajbmeb-1131	10	46	development	development	NOUN
ajbmeb-1131	10	47	of	of	ADP
ajbmeb-1131	10	48	innovations	innovation	NOUN
ajbmeb-1131	10	49	and	and	CCONJ
ajbmeb-1131	10	50	applications	application	NOUN
ajbmeb-1131	10	51	on	on	ADP
ajbmeb-1131	10	52	the	the	DET
ajbmeb-1131	10	53	mobile	mobile	ADJ
ajbmeb-1131	10	54	phone	phone	NOUN
ajbmeb-1131	10	55	that	that	PRON
ajbmeb-1131	10	56	perform	perform	VERB
ajbmeb-1131	10	57	financial	financial	ADJ
ajbmeb-1131	10	58	purposes	purpose	NOUN
ajbmeb-1131	10	59	.	.	PUNCT
ajbmeb-1131	11	1	financial	financial	ADJ
ajbmeb-1131	11	2	technology	technology	NOUN
ajbmeb-1131	11	3	and	and	CCONJ
ajbmeb-1131	11	4	the	the	DET
ajbmeb-1131	11	5	shift	shift	NOUN
ajbmeb-1131	11	6	towards	towards	ADP
ajbmeb-1131	11	7	financial	financial	ADJ
ajbmeb-1131	11	8	digitization	digitization	NOUN
ajbmeb-1131	11	9	are	be	AUX
ajbmeb-1131	11	10	factors	factor	NOUN
ajbmeb-1131	11	11	in	in	ADP
ajbmeb-1131	11	12	the	the	DET
ajbmeb-1131	11	13	development	development	NOUN
ajbmeb-1131	11	14	of	of	ADP
ajbmeb-1131	11	15	systems	system	NOUN
ajbmeb-1131	11	16	and	and	CCONJ
ajbmeb-1131	11	17	one	one	NUM
ajbmeb-1131	11	18	of	of	ADP
ajbmeb-1131	11	19	the	the	DET
ajbmeb-1131	11	20	foundations	foundation	NOUN
ajbmeb-1131	11	21	for	for	ADP
ajbmeb-1131	11	22	keeping	keep	VERB
ajbmeb-1131	11	23	pace	pace	NOUN
ajbmeb-1131	11	24	with	with	ADP
ajbmeb-1131	11	25	global	global	ADJ
ajbmeb-1131	11	26	developments	development	NOUN
ajbmeb-1131	11	27	in	in	ADP
ajbmeb-1131	11	28	the	the	DET
ajbmeb-1131	11	29	financial	financial	ADJ
ajbmeb-1131	11	30	field	field	NOUN
ajbmeb-1131	11	31	.	.	PUNCT
ajbmeb-1131	12	1	the	the	DET
ajbmeb-1131	12	2	research	research	NOUN
ajbmeb-1131	12	3	also	also	ADV
ajbmeb-1131	12	4	recommended	recommend	VERB
ajbmeb-1131	12	5	a	a	DET
ajbmeb-1131	12	6	set	set	NOUN
ajbmeb-1131	12	7	of	of	ADP
ajbmeb-1131	12	8	recommendations	recommendation	NOUN
ajbmeb-1131	12	9	,	,	PUNCT
ajbmeb-1131	12	10	the	the	DET
ajbmeb-1131	12	11	most	most	ADV
ajbmeb-1131	12	12	important	important	ADJ
ajbmeb-1131	12	13	of	of	ADP
ajbmeb-1131	12	14	which	which	PRON
ajbmeb-1131	12	15	is	be	AUX
ajbmeb-1131	12	16	working	work	VERB
ajbmeb-1131	12	17	to	to	PART
ajbmeb-1131	12	18	develop	develop	VERB
ajbmeb-1131	12	19	the	the	DET
ajbmeb-1131	12	20	infrastructure	infrastructure	NOUN
ajbmeb-1131	12	21	necessary	necessary	ADJ
ajbmeb-1131	12	22	for	for	ADP
ajbmeb-1131	12	23	the	the	DET
ajbmeb-1131	12	24	development	development	NOUN
ajbmeb-1131	12	25	of	of	ADP
ajbmeb-1131	12	26	financial	financial	ADJ
ajbmeb-1131	12	27	technology	technology	NOUN
ajbmeb-1131	12	28	,	,	PUNCT
ajbmeb-1131	12	29	providing	provide	VERB
ajbmeb-1131	12	30	broad	broad	ADJ
ajbmeb-1131	12	31	institutional	institutional	ADJ
ajbmeb-1131	12	32	support	support	NOUN
ajbmeb-1131	12	33	through	through	ADP
ajbmeb-1131	12	34	the	the	DET
ajbmeb-1131	12	35	establishment	establishment	NOUN
ajbmeb-1131	12	36	of	of	ADP
ajbmeb-1131	12	37	incubators	incubator	NOUN
ajbmeb-1131	12	38	and	and	CCONJ
ajbmeb-1131	12	39	accelerators	accelerator	NOUN
ajbmeb-1131	12	40	to	to	PART
ajbmeb-1131	12	41	help	help	VERB
ajbmeb-1131	12	42	increase	increase	VERB
ajbmeb-1131	12	43	the	the	DET
ajbmeb-1131	12	44	emerging	emerge	VERB
ajbmeb-1131	12	45	company	company	NOUN
ajbmeb-1131	12	46	in	in	ADP
ajbmeb-1131	12	47	the	the	DET
ajbmeb-1131	12	48	field	field	NOUN
ajbmeb-1131	12	49	of	of	ADP
ajbmeb-1131	12	50	financial	financial	ADJ
ajbmeb-1131	12	51	technology	technology	NOUN
ajbmeb-1131	12	52	.	.	PUNCT
ajbmeb-1131	13	1	financial	financial	ADJ
ajbmeb-1131	13	2	technology	technology	NOUN
ajbmeb-1131	13	3	,	,	PUNCT
ajbmeb-1131	13	4	financial	financial	ADJ
ajbmeb-1131	13	5	innovations	innovation	NOUN
ajbmeb-1131	13	6	.	.	PUNCT
ajbmeb-1131	14	1	american	american	ADJ
ajbmeb-1131	14	2	journal	journal	PROPN
ajbmeb-1131	14	3	of	of	ADP
ajbmeb-1131	14	4	business	business	NOUN
ajbmeb-1131	14	5	management	management	NOUN
ajbmeb-1131	14	6	,	,	PUNCT
ajbmeb-1131	14	7	economics	economic	NOUN
ajbmeb-1131	14	8	and	and	CCONJ
ajbmeb-1131	14	9	banking	banking	NOUN
ajbmeb-1131	14	10	volume	volume	NOUN
ajbmeb-1131	14	11	15	15	NUM
ajbmeb-1131	14	12	august	august	PROPN
ajbmeb-1131	14	13	,	,	PUNCT
ajbmeb-1131	14	14	2023	2023	NUM
ajbmeb-1131	14	15	p	p	NOUN
ajbmeb-1131	14	16	a	a	PRON
ajbmeb-1131	14	17	g	g	NOUN
ajbmeb-1131	14	18	e	e	NOUN
ajbmeb-1131	14	19	|	|	ADV
ajbmeb-1131	14	20	39	39	NUM
ajbmeb-1131	14	21	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1131	14	22	introduction	introduction	NOUN
ajbmeb-1131	14	23	new	new	ADJ
ajbmeb-1131	14	24	technologies	technology	NOUN
ajbmeb-1131	14	25	play	play	VERB
ajbmeb-1131	14	26	an	an	DET
ajbmeb-1131	14	27	increasingly	increasingly	ADV
ajbmeb-1131	14	28	important	important	ADJ
ajbmeb-1131	14	29	role	role	NOUN
ajbmeb-1131	14	30	in	in	ADP
ajbmeb-1131	14	31	the	the	DET
ajbmeb-1131	14	32	financial	financial	ADJ
ajbmeb-1131	14	33	services	service	NOUN
ajbmeb-1131	14	34	sector	sector	NOUN
ajbmeb-1131	14	35	in	in	ADP
ajbmeb-1131	14	36	facing	face	VERB
ajbmeb-1131	14	37	important	important	ADJ
ajbmeb-1131	14	38	challenges	challenge	NOUN
ajbmeb-1131	14	39	.	.	PUNCT
ajbmeb-1131	15	1	the	the	DET
ajbmeb-1131	15	2	information	information	NOUN
ajbmeb-1131	15	3	and	and	CCONJ
ajbmeb-1131	15	4	communication	communication	NOUN
ajbmeb-1131	15	5	technology	technology	NOUN
ajbmeb-1131	15	6	revolution	revolution	NOUN
ajbmeb-1131	15	7	has	have	AUX
ajbmeb-1131	15	8	made	make	VERB
ajbmeb-1131	15	9	its	its	PRON
ajbmeb-1131	15	10	presence	presence	NOUN
ajbmeb-1131	15	11	felt	feel	VERB
ajbmeb-1131	15	12	in	in	ADP
ajbmeb-1131	15	13	providing	provide	VERB
ajbmeb-1131	15	14	innovative	innovative	ADJ
ajbmeb-1131	15	15	financial	financial	ADJ
ajbmeb-1131	15	16	services	service	NOUN
ajbmeb-1131	15	17	,	,	PUNCT
ajbmeb-1131	15	18	the	the	DET
ajbmeb-1131	15	19	widespread	widespread	ADJ
ajbmeb-1131	15	20	and	and	CCONJ
ajbmeb-1131	15	21	rapid	rapid	ADJ
ajbmeb-1131	15	22	spread	spread	NOUN
ajbmeb-1131	15	23	of	of	ADP
ajbmeb-1131	15	24	computer	computer	NOUN
ajbmeb-1131	15	25	technologies	technology	NOUN
ajbmeb-1131	15	26	related	relate	VERB
ajbmeb-1131	15	27	to	to	ADP
ajbmeb-1131	15	28	internet	internet	NOUN
ajbmeb-1131	15	29	services	service	NOUN
ajbmeb-1131	15	30	has	have	AUX
ajbmeb-1131	15	31	led	lead	VERB
ajbmeb-1131	15	32	to	to	ADP
ajbmeb-1131	15	33	the	the	DET
ajbmeb-1131	15	34	creation	creation	NOUN
ajbmeb-1131	15	35	of	of	ADP
ajbmeb-1131	15	36	financial	financial	ADJ
ajbmeb-1131	15	37	services	service	NOUN
ajbmeb-1131	15	38	that	that	PRON
ajbmeb-1131	15	39	keep	keep	VERB
ajbmeb-1131	15	40	pace	pace	NOUN
ajbmeb-1131	15	41	with	with	ADP
ajbmeb-1131	15	42	developments	development	NOUN
ajbmeb-1131	15	43	in	in	ADP
ajbmeb-1131	15	44	all	all	DET
ajbmeb-1131	15	45	financial	financial	ADJ
ajbmeb-1131	15	46	services	service	NOUN
ajbmeb-1131	15	47	facilities	facility	NOUN
ajbmeb-1131	15	48	.	.	PUNCT
ajbmeb-1131	16	1	financial	financial	ADJ
ajbmeb-1131	16	2	technology	technology	NOUN
ajbmeb-1131	16	3	is	be	AUX
ajbmeb-1131	16	4	one	one	NUM
ajbmeb-1131	16	5	of	of	ADP
ajbmeb-1131	16	6	these	these	DET
ajbmeb-1131	16	7	innovations	innovation	NOUN
ajbmeb-1131	16	8	that	that	PRON
ajbmeb-1131	16	9	aim	aim	VERB
ajbmeb-1131	16	10	to	to	PART
ajbmeb-1131	16	11	improve	improve	VERB
ajbmeb-1131	16	12	the	the	DET
ajbmeb-1131	16	13	quality	quality	NOUN
ajbmeb-1131	16	14	of	of	ADP
ajbmeb-1131	16	15	financial	financial	ADJ
ajbmeb-1131	16	16	services	service	NOUN
ajbmeb-1131	16	17	.	.	PUNCT
ajbmeb-1131	17	1	it	it	PRON
ajbmeb-1131	17	2	works	work	VERB
ajbmeb-1131	17	3	to	to	PART
ajbmeb-1131	17	4	reshape	reshape	VERB
ajbmeb-1131	17	5	financial	financial	ADJ
ajbmeb-1131	17	6	services	service	NOUN
ajbmeb-1131	17	7	(	(	PUNCT
ajbmeb-1131	17	8	from	from	ADP
ajbmeb-1131	17	9	payment	payment	NOUN
ajbmeb-1131	17	10	systems	system	NOUN
ajbmeb-1131	17	11	to	to	ADP
ajbmeb-1131	17	12	insurance	insurance	NOUN
ajbmeb-1131	17	13	services	service	NOUN
ajbmeb-1131	17	14	)	)	PUNCT
ajbmeb-1131	17	15	based	base	VERB
ajbmeb-1131	17	16	on	on	ADP
ajbmeb-1131	17	17	the	the	DET
ajbmeb-1131	17	18	use	use	NOUN
ajbmeb-1131	17	19	of	of	ADP
ajbmeb-1131	17	20	technology	technology	NOUN
ajbmeb-1131	17	21	to	to	PART
ajbmeb-1131	17	22	improve	improve	VERB
ajbmeb-1131	17	23	financial	financial	ADJ
ajbmeb-1131	17	24	activities	activity	NOUN
ajbmeb-1131	17	25	by	by	ADP
ajbmeb-1131	17	26	providing	provide	VERB
ajbmeb-1131	17	27	banking	banking	NOUN
ajbmeb-1131	17	28	services	service	NOUN
ajbmeb-1131	17	29	and	and	CCONJ
ajbmeb-1131	17	30	financial	financial	ADJ
ajbmeb-1131	17	31	transactions	transaction	NOUN
ajbmeb-1131	17	32	over	over	ADP
ajbmeb-1131	17	33	the	the	DET
ajbmeb-1131	17	34	phone	phone	NOUN
ajbmeb-1131	17	35	and	and	CCONJ
ajbmeb-1131	17	36	providing	provide	VERB
ajbmeb-1131	17	37	advice	advice	NOUN
ajbmeb-1131	17	38	upon	upon	SCONJ
ajbmeb-1131	17	39	request	request	NOUN
ajbmeb-1131	17	40	.	.	PUNCT
ajbmeb-1131	18	1	research	research	NOUN
ajbmeb-1131	18	2	problem	problem	NOUN
ajbmeb-1131	18	3	:	:	PUNCT
ajbmeb-1131	18	4	financial	financial	ADJ
ajbmeb-1131	18	5	technology	technology	NOUN
ajbmeb-1131	18	6	is	be	AUX
ajbmeb-1131	18	7	an	an	DET
ajbmeb-1131	18	8	important	important	ADJ
ajbmeb-1131	18	9	reality	reality	NOUN
ajbmeb-1131	18	10	to	to	PART
ajbmeb-1131	18	11	keep	keep	VERB
ajbmeb-1131	18	12	pace	pace	NOUN
ajbmeb-1131	18	13	with	with	ADP
ajbmeb-1131	18	14	global	global	ADJ
ajbmeb-1131	18	15	financial	financial	ADJ
ajbmeb-1131	18	16	developments	development	NOUN
ajbmeb-1131	18	17	.	.	PUNCT
ajbmeb-1131	19	1	iraq	iraq	PROPN
ajbmeb-1131	19	2	does	do	AUX
ajbmeb-1131	19	3	not	not	PART
ajbmeb-1131	19	4	have	have	VERB
ajbmeb-1131	19	5	the	the	DET
ajbmeb-1131	19	6	foundations	foundation	NOUN
ajbmeb-1131	19	7	and	and	CCONJ
ajbmeb-1131	19	8	rules	rule	NOUN
ajbmeb-1131	19	9	for	for	ADP
ajbmeb-1131	19	10	developing	develop	VERB
ajbmeb-1131	19	11	the	the	DET
ajbmeb-1131	19	12	use	use	NOUN
ajbmeb-1131	19	13	of	of	ADP
ajbmeb-1131	19	14	financial	financial	ADJ
ajbmeb-1131	19	15	technology	technology	NOUN
ajbmeb-1131	19	16	in	in	ADP
ajbmeb-1131	19	17	banking	banking	NOUN
ajbmeb-1131	19	18	and	and	CCONJ
ajbmeb-1131	19	19	commercial	commercial	ADJ
ajbmeb-1131	19	20	currencies	currency	NOUN
ajbmeb-1131	19	21	end	end	VERB
ajbmeb-1131	19	22	that	that	SCONJ
ajbmeb-1131	19	23	iraq	iraq	PROPN
ajbmeb-1131	19	24	must	must	AUX
ajbmeb-1131	19	25	keep	keep	VERB
ajbmeb-1131	19	26	pace	pace	NOUN
ajbmeb-1131	19	27	with	with	ADP
ajbmeb-1131	19	28	these	these	DET
ajbmeb-1131	19	29	developments	development	NOUN
ajbmeb-1131	19	30	through	through	ADP
ajbmeb-1131	19	31	the	the	DET
ajbmeb-1131	19	32	possibility	possibility	NOUN
ajbmeb-1131	19	33	of	of	ADP
ajbmeb-1131	19	34	providing	provide	VERB
ajbmeb-1131	19	35	the	the	DET
ajbmeb-1131	19	36	requirements	requirement	NOUN
ajbmeb-1131	19	37	for	for	ADP
ajbmeb-1131	19	38	that	that	PRON
ajbmeb-1131	19	39	.	.	PUNCT
ajbmeb-1131	20	1	research	research	NOUN
ajbmeb-1131	20	2	importance	importance	NOUN
ajbmeb-1131	20	3	:	:	PUNCT
ajbmeb-1131	20	4	the	the	DET
ajbmeb-1131	20	5	importance	importance	NOUN
ajbmeb-1131	20	6	of	of	ADP
ajbmeb-1131	20	7	the	the	DET
ajbmeb-1131	20	8	research	research	NOUN
ajbmeb-1131	20	9	stems	stem	VERB
ajbmeb-1131	20	10	from	from	ADP
ajbmeb-1131	20	11	the	the	DET
ajbmeb-1131	20	12	fact	fact	NOUN
ajbmeb-1131	20	13	that	that	SCONJ
ajbmeb-1131	20	14	financial	financial	ADJ
ajbmeb-1131	20	15	technology	technology	NOUN
ajbmeb-1131	20	16	has	have	AUX
ajbmeb-1131	20	17	become	become	VERB
ajbmeb-1131	20	18	a	a	DET
ajbmeb-1131	20	19	reality	reality	NOUN
ajbmeb-1131	20	20	that	that	PRON
ajbmeb-1131	20	21	is	be	AUX
ajbmeb-1131	20	22	used	use	VERB
ajbmeb-1131	20	23	daily	daily	ADV
ajbmeb-1131	20	24	and	and	CCONJ
ajbmeb-1131	20	25	is	be	AUX
ajbmeb-1131	20	26	spreading	spread	VERB
ajbmeb-1131	20	27	and	and	CCONJ
ajbmeb-1131	20	28	increasing	increase	VERB
ajbmeb-1131	20	29	,	,	PUNCT
ajbmeb-1131	20	30	as	as	SCONJ
ajbmeb-1131	20	31	it	it	PRON
ajbmeb-1131	20	32	is	be	AUX
ajbmeb-1131	20	33	linked	link	VERB
ajbmeb-1131	20	34	to	to	ADP
ajbmeb-1131	20	35	technical	technical	ADJ
ajbmeb-1131	20	36	development	development	NOUN
ajbmeb-1131	20	37	,	,	PUNCT
ajbmeb-1131	20	38	information	information	NOUN
ajbmeb-1131	20	39	,	,	PUNCT
ajbmeb-1131	20	40	and	and	CCONJ
ajbmeb-1131	20	41	communication	communication	NOUN
ajbmeb-1131	20	42	,	,	PUNCT
ajbmeb-1131	20	43	which	which	PRON
ajbmeb-1131	20	44	has	have	AUX
ajbmeb-1131	20	45	become	become	VERB
ajbmeb-1131	20	46	an	an	DET
ajbmeb-1131	20	47	important	important	ADJ
ajbmeb-1131	20	48	reality	reality	NOUN
ajbmeb-1131	20	49	today	today	NOUN
ajbmeb-1131	20	50	.	.	PUNCT
ajbmeb-1131	21	1	it	it	PRON
ajbmeb-1131	21	2	is	be	AUX
ajbmeb-1131	21	3	involved	involve	VERB
ajbmeb-1131	21	4	in	in	ADP
ajbmeb-1131	21	5	many	many	ADJ
ajbmeb-1131	21	6	financial	financial	ADJ
ajbmeb-1131	21	7	transactions	transaction	NOUN
ajbmeb-1131	21	8	(	(	PUNCT
ajbmeb-1131	21	9	banking	banking	NOUN
ajbmeb-1131	21	10	and	and	CCONJ
ajbmeb-1131	21	11	non	non	ADJ
ajbmeb-1131	21	12	-	-	NOUN
ajbmeb-1131	21	13	banking	banking	NOUN
ajbmeb-1131	21	14	)	)	PUNCT
ajbmeb-1131	21	15	via	via	ADP
ajbmeb-1131	21	16	the	the	DET
ajbmeb-1131	21	17	phone	phone	NOUN
ajbmeb-1131	21	18	or	or	CCONJ
ajbmeb-1131	21	19	electronic	electronic	ADJ
ajbmeb-1131	21	20	applications	application	NOUN
ajbmeb-1131	21	21	associated	associate	VERB
ajbmeb-1131	21	22	with	with	ADP
ajbmeb-1131	21	23	it	it	PRON
ajbmeb-1131	21	24	.	.	PUNCT
ajbmeb-1131	22	1	therefore	therefore	ADV
ajbmeb-1131	22	2	,	,	PUNCT
ajbmeb-1131	22	3	this	this	DET
ajbmeb-1131	22	4	research	research	NOUN
ajbmeb-1131	22	5	comes	come	VERB
ajbmeb-1131	22	6	to	to	PART
ajbmeb-1131	22	7	identify	identify	VERB
ajbmeb-1131	22	8	the	the	DET
ajbmeb-1131	22	9	most	most	ADV
ajbmeb-1131	22	10	important	important	ADJ
ajbmeb-1131	22	11	developments	development	NOUN
ajbmeb-1131	22	12	in	in	ADP
ajbmeb-1131	22	13	the	the	DET
ajbmeb-1131	22	14	field	field	NOUN
ajbmeb-1131	22	15	of	of	ADP
ajbmeb-1131	22	16	financial	financial	ADJ
ajbmeb-1131	22	17	innovations	innovation	NOUN
ajbmeb-1131	22	18	that	that	SCONJ
ajbmeb-1131	22	19	this	this	DET
ajbmeb-1131	22	20	sector	sector	NOUN
ajbmeb-1131	22	21	enters	enter	VERB
ajbmeb-1131	22	22	.	.	PUNCT
ajbmeb-1131	23	1	in	in	ADP
ajbmeb-1131	23	2	addition	addition	NOUN
ajbmeb-1131	23	3	to	to	ADP
ajbmeb-1131	23	4	reviewing	review	VERB
ajbmeb-1131	23	5	the	the	DET
ajbmeb-1131	23	6	most	most	ADV
ajbmeb-1131	23	7	important	important	ADJ
ajbmeb-1131	23	8	obstacles	obstacle	NOUN
ajbmeb-1131	23	9	that	that	PRON
ajbmeb-1131	23	10	stand	stand	VERB
ajbmeb-1131	23	11	in	in	ADP
ajbmeb-1131	23	12	the	the	DET
ajbmeb-1131	23	13	way	way	NOUN
ajbmeb-1131	23	14	of	of	ADP
ajbmeb-1131	23	15	the	the	DET
ajbmeb-1131	23	16	development	development	NOUN
ajbmeb-1131	23	17	and	and	CCONJ
ajbmeb-1131	23	18	spread	spread	VERB
ajbmeb-1131	23	19	of	of	ADP
ajbmeb-1131	23	20	financial	financial	ADJ
ajbmeb-1131	23	21	technology	technology	NOUN
ajbmeb-1131	23	22	in	in	ADP
ajbmeb-1131	23	23	iraq	iraq	PROPN
ajbmeb-1131	23	24	.	.	PUNCT
ajbmeb-1131	24	1	research	research	NOUN
ajbmeb-1131	24	2	hypothesis	hypothesis	NOUN
ajbmeb-1131	24	3	:	:	PUNCT
ajbmeb-1131	24	4	the	the	DET
ajbmeb-1131	24	5	research	research	NOUN
ajbmeb-1131	24	6	stems	stem	VERB
ajbmeb-1131	24	7	from	from	ADP
ajbmeb-1131	24	8	the	the	DET
ajbmeb-1131	24	9	hypothesis	hypothesis	NOUN
ajbmeb-1131	24	10	that	that	PRON
ajbmeb-1131	24	11	financial	financial	ADJ
ajbmeb-1131	24	12	technology	technology	NOUN
ajbmeb-1131	24	13	is	be	AUX
ajbmeb-1131	24	14	an	an	DET
ajbmeb-1131	24	15	economic	economic	ADJ
ajbmeb-1131	24	16	necessity	necessity	NOUN
ajbmeb-1131	24	17	for	for	ADP
ajbmeb-1131	24	18	developing	develop	VERB
ajbmeb-1131	24	19	the	the	DET
ajbmeb-1131	24	20	financial	financial	ADJ
ajbmeb-1131	24	21	system	system	NOUN
ajbmeb-1131	24	22	in	in	ADP
ajbmeb-1131	24	23	iraq	iraq	PROPN
ajbmeb-1131	24	24	and	and	CCONJ
ajbmeb-1131	24	25	keeping	keep	VERB
ajbmeb-1131	24	26	abreast	abreast	ADV
ajbmeb-1131	24	27	of	of	ADP
ajbmeb-1131	24	28	developments	development	NOUN
ajbmeb-1131	24	29	in	in	ADP
ajbmeb-1131	24	30	the	the	DET
ajbmeb-1131	24	31	global	global	ADJ
ajbmeb-1131	24	32	financial	financial	ADJ
ajbmeb-1131	24	33	system	system	NOUN
ajbmeb-1131	24	34	.	.	PUNCT
ajbmeb-1131	25	1	iraq	iraq	PROPN
ajbmeb-1131	25	2	possesses	possess	VERB
ajbmeb-1131	25	3	the	the	DET
ajbmeb-1131	25	4	ingredients	ingredient	NOUN
ajbmeb-1131	25	5	and	and	CCONJ
ajbmeb-1131	25	6	qualifications	qualification	NOUN
ajbmeb-1131	25	7	that	that	PRON
ajbmeb-1131	25	8	enable	enable	VERB
ajbmeb-1131	25	9	it	it	PRON
ajbmeb-1131	25	10	to	to	PART
ajbmeb-1131	25	11	shift	shift	VERB
ajbmeb-1131	25	12	towards	towards	ADP
ajbmeb-1131	25	13	digitization	digitization	NOUN
ajbmeb-1131	25	14	in	in	ADP
ajbmeb-1131	25	15	financial	financial	ADJ
ajbmeb-1131	25	16	transactions	transaction	NOUN
ajbmeb-1131	25	17	,	,	PUNCT
ajbmeb-1131	25	18	and	and	CCONJ
ajbmeb-1131	25	19	work	work	NOUN
ajbmeb-1131	25	20	must	must	AUX
ajbmeb-1131	25	21	be	be	AUX
ajbmeb-1131	25	22	done	do	VERB
ajbmeb-1131	25	23	to	to	PART
ajbmeb-1131	25	24	adopt	adopt	VERB
ajbmeb-1131	25	25	the	the	DET
ajbmeb-1131	25	26	legal	legal	ADJ
ajbmeb-1131	25	27	and	and	CCONJ
ajbmeb-1131	25	28	technical	technical	ADJ
ajbmeb-1131	25	29	mechanisms	mechanism	NOUN
ajbmeb-1131	25	30	and	and	CCONJ
ajbmeb-1131	25	31	the	the	DET
ajbmeb-1131	25	32	necessary	necessary	ADJ
ajbmeb-1131	25	33	infrastructure	infrastructure	NOUN
ajbmeb-1131	25	34	for	for	ADP
ajbmeb-1131	25	35	that	that	PRON
ajbmeb-1131	25	36	.	.	PUNCT
ajbmeb-1131	26	1	research	research	NOUN
ajbmeb-1131	26	2	objectives	objective	NOUN
ajbmeb-1131	26	3	:	:	PUNCT
ajbmeb-1131	26	4	the	the	DET
ajbmeb-1131	26	5	research	research	NOUN
ajbmeb-1131	26	6	aims	aim	VERB
ajbmeb-1131	26	7	to	to	ADP
ajbmeb-1131	26	8	:	:	PUNCT
ajbmeb-1131	26	9	1access	1access	NUM
ajbmeb-1131	26	10	to	to	ADP
ajbmeb-1131	26	11	pioneering	pioneer	VERB
ajbmeb-1131	26	12	arab	arab	ADJ
ajbmeb-1131	26	13	experiences	experience	NOUN
ajbmeb-1131	26	14	in	in	ADP
ajbmeb-1131	26	15	the	the	DET
ajbmeb-1131	26	16	field	field	NOUN
ajbmeb-1131	26	17	of	of	ADP
ajbmeb-1131	26	18	financial	financial	ADJ
ajbmeb-1131	26	19	technology	technology	NOUN
ajbmeb-1131	26	20	.	.	PUNCT
ajbmeb-1131	27	1	2examine	2examine	NUM
ajbmeb-1131	27	2	the	the	DET
ajbmeb-1131	27	3	reality	reality	NOUN
ajbmeb-1131	27	4	of	of	ADP
ajbmeb-1131	27	5	financial	financial	ADJ
ajbmeb-1131	27	6	technology	technology	NOUN
ajbmeb-1131	27	7	in	in	ADP
ajbmeb-1131	27	8	iraq	iraq	PROPN
ajbmeb-1131	27	9	.	.	PUNCT
ajbmeb-1131	28	1	3explaining	3explaine	VERB
ajbmeb-1131	28	2	the	the	DET
ajbmeb-1131	28	3	most	most	ADV
ajbmeb-1131	28	4	important	important	ADJ
ajbmeb-1131	28	5	obstacles	obstacle	NOUN
ajbmeb-1131	28	6	and	and	CCONJ
ajbmeb-1131	28	7	requirements	requirement	NOUN
ajbmeb-1131	28	8	for	for	ADP
ajbmeb-1131	28	9	the	the	DET
ajbmeb-1131	28	10	success	success	NOUN
ajbmeb-1131	28	11	and	and	CCONJ
ajbmeb-1131	28	12	spread	spread	VERB
ajbmeb-1131	28	13	of	of	ADP
ajbmeb-1131	28	14	financial	financial	ADJ
ajbmeb-1131	28	15	technology	technology	NOUN
ajbmeb-1131	28	16	in	in	ADP
ajbmeb-1131	28	17	iraq	iraq	PROPN
ajbmeb-1131	28	18	.	.	PUNCT
ajbmeb-1131	29	1	1	1	X
ajbmeb-1131	29	2	.	.	X
ajbmeb-1131	29	3	financial	financial	ADJ
ajbmeb-1131	29	4	technology	technology	NOUN
ajbmeb-1131	29	5	:	:	PUNCT
ajbmeb-1131	29	6	a	a	DET
ajbmeb-1131	29	7	conceptual	conceptual	ADJ
ajbmeb-1131	29	8	framework	framework	NOUN
ajbmeb-1131	29	9	1.1fintech	1.1fintech	NUM
ajbmeb-1131	29	10	the	the	DET
ajbmeb-1131	29	11	origin	origin	NOUN
ajbmeb-1131	29	12	of	of	ADP
ajbmeb-1131	29	13	word	word	NOUN
ajbmeb-1131	29	14	(	(	PUNCT
ajbmeb-1131	29	15	fintech	fintech	NOUN
ajbmeb-1131	29	16	)	)	PUNCT
ajbmeb-1131	29	17	is	be	AUX
ajbmeb-1131	29	18	derived	derive	VERB
ajbmeb-1131	29	19	from	from	ADP
ajbmeb-1131	29	20	the	the	DET
ajbmeb-1131	29	21	root	root	NOUN
ajbmeb-1131	29	22	of	of	ADP
ajbmeb-1131	29	23	the	the	DET
ajbmeb-1131	29	24	two	two	NUM
ajbmeb-1131	29	25	words	word	NOUN
ajbmeb-1131	29	26	(	(	PUNCT
ajbmeb-1131	29	27	financial	financial	ADJ
ajbmeb-1131	29	28	technology	technology	NOUN
ajbmeb-1131	29	29	)	)	PUNCT
ajbmeb-1131	29	30	,	,	PUNCT
ajbmeb-1131	29	31	which	which	PRON
ajbmeb-1131	29	32	means	mean	VERB
ajbmeb-1131	29	33	the	the	DET
ajbmeb-1131	29	34	use	use	NOUN
ajbmeb-1131	29	35	of	of	ADP
ajbmeb-1131	29	36	computer	computer	NOUN
ajbmeb-1131	29	37	programs	program	NOUN
ajbmeb-1131	29	38	or	or	CCONJ
ajbmeb-1131	29	39	other	other	ADJ
ajbmeb-1131	29	40	technologies	technology	NOUN
ajbmeb-1131	29	41	to	to	PART
ajbmeb-1131	29	42	support	support	VERB
ajbmeb-1131	29	43	financial	financial	ADJ
ajbmeb-1131	29	44	and	and	CCONJ
ajbmeb-1131	29	45	banking	banking	NOUN
ajbmeb-1131	29	46	operations	operation	NOUN
ajbmeb-1131	29	47	and	and	CCONJ
ajbmeb-1131	29	48	services	service	NOUN
ajbmeb-1131	29	49	and	and	CCONJ
ajbmeb-1131	29	50	to	to	PART
ajbmeb-1131	29	51	innovate	innovate	VERB
ajbmeb-1131	29	52	new	new	ADJ
ajbmeb-1131	29	53	services	service	NOUN
ajbmeb-1131	29	54	(	(	PUNCT
ajbmeb-1131	29	55	rau	rau	PROPN
ajbmeb-1131	29	56	and	and	CCONJ
ajbmeb-1131	29	57	röglinger	röglinger	PROPN
ajbmeb-1131	29	58	,	,	PUNCT
ajbmeb-1131	29	59	2017,2	2017,2	NOUN
ajbmeb-1131	29	60	)	)	PUNCT
ajbmeb-1131	29	61	.	.	PUNCT
ajbmeb-1131	30	1	fintech	fintech	NOUN
ajbmeb-1131	30	2	is	be	AUX
ajbmeb-1131	30	3	an	an	DET
ajbmeb-1131	30	4	innovation	innovation	NOUN
ajbmeb-1131	30	5	that	that	PRON
ajbmeb-1131	30	6	aims	aim	VERB
ajbmeb-1131	30	7	to	to	PART
ajbmeb-1131	30	8	create	create	VERB
ajbmeb-1131	30	9	services	service	NOUN
ajbmeb-1131	30	10	that	that	PRON
ajbmeb-1131	30	11	compete	compete	VERB
ajbmeb-1131	30	12	with	with	ADP
ajbmeb-1131	30	13	traditional	traditional	ADJ
ajbmeb-1131	30	14	services	service	NOUN
ajbmeb-1131	30	15	in	in	ADP
ajbmeb-1131	30	16	their	their	PRON
ajbmeb-1131	30	17	style	style	NOUN
ajbmeb-1131	30	18	(	(	PUNCT
ajbmeb-1131	30	19	lin	lin	PROPN
ajbmeb-1131	30	20	,	,	PUNCT
ajbmeb-1131	30	21	2015	2015	NUM
ajbmeb-1131	30	22	,	,	PUNCT
ajbmeb-1131	30	23	643	643	NUM
ajbmeb-1131	30	24	)	)	PUNCT
ajbmeb-1131	30	25	.	.	PUNCT
ajbmeb-1131	31	1	based	base	VERB
ajbmeb-1131	31	2	on	on	ADP
ajbmeb-1131	31	3	the	the	DET
ajbmeb-1131	31	4	use	use	NOUN
ajbmeb-1131	31	5	of	of	ADP
ajbmeb-1131	31	6	technology	technology	NOUN
ajbmeb-1131	31	7	to	to	PART
ajbmeb-1131	31	8	improve	improve	VERB
ajbmeb-1131	31	9	financial	financial	ADJ
ajbmeb-1131	31	10	activities	activity	NOUN
ajbmeb-1131	31	11	(	(	PUNCT
ajbmeb-1131	31	12	schueffel	schueffel	NOUN
ajbmeb-1131	31	13	,	,	PUNCT
ajbmeb-1131	31	14	2018	2018	NUM
ajbmeb-1131	31	15	,	,	PUNCT
ajbmeb-1131	31	16	3	3	NUM
ajbmeb-1131	31	17	)	)	PUNCT
ajbmeb-1131	31	18	,	,	PUNCT
ajbmeb-1131	31	19	financial	financial	ADJ
ajbmeb-1131	31	20	and	and	CCONJ
ajbmeb-1131	31	21	banking	banking	NOUN
ajbmeb-1131	31	22	services	service	NOUN
ajbmeb-1131	31	23	american	american	PROPN
ajbmeb-1131	31	24	journal	journal	PROPN
ajbmeb-1131	31	25	of	of	ADP
ajbmeb-1131	31	26	business	business	NOUN
ajbmeb-1131	31	27	management	management	NOUN
ajbmeb-1131	31	28	,	,	PUNCT
ajbmeb-1131	31	29	economics	economic	NOUN
ajbmeb-1131	31	30	and	and	CCONJ
ajbmeb-1131	31	31	banking	banking	NOUN
ajbmeb-1131	31	32	volume	volume	NOUN
ajbmeb-1131	31	33	15	15	NUM
ajbmeb-1131	31	34	august	august	PROPN
ajbmeb-1131	31	35	,	,	PUNCT
ajbmeb-1131	31	36	2023	2023	NUM
ajbmeb-1131	31	37	p	p	NOUN
ajbmeb-1131	31	38	a	a	DET
ajbmeb-1131	31	39	g	g	NOUN
ajbmeb-1131	31	40	e	e	NOUN
ajbmeb-1131	31	41	|	|	ADV
ajbmeb-1131	31	42	40	40	NUM
ajbmeb-1131	31	43	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1131	31	44	through	through	ADP
ajbmeb-1131	31	45	smartphones	smartphone	NOUN
ajbmeb-1131	31	46	and	and	CCONJ
ajbmeb-1131	31	47	tablets	tablet	NOUN
ajbmeb-1131	31	48	in	in	ADP
ajbmeb-1131	31	49	all	all	DET
ajbmeb-1131	31	50	financial	financial	ADJ
ajbmeb-1131	31	51	and	and	CCONJ
ajbmeb-1131	31	52	banking	banking	NOUN
ajbmeb-1131	31	53	operations	operation	NOUN
ajbmeb-1131	31	54	.	.	PUNCT
ajbmeb-1131	32	1	more	more	ADV
ajbmeb-1131	32	2	specifically	specifically	ADV
ajbmeb-1131	32	3	,	,	PUNCT
ajbmeb-1131	32	4	working	work	VERB
ajbmeb-1131	32	5	to	to	PART
ajbmeb-1131	32	6	innovate	innovate	VERB
ajbmeb-1131	32	7	and	and	CCONJ
ajbmeb-1131	32	8	improve	improve	VERB
ajbmeb-1131	32	9	the	the	DET
ajbmeb-1131	32	10	quality	quality	NOUN
ajbmeb-1131	32	11	of	of	ADP
ajbmeb-1131	32	12	financial	financial	ADJ
ajbmeb-1131	32	13	services	service	NOUN
ajbmeb-1131	32	14	by	by	ADP
ajbmeb-1131	32	15	proposing	propose	VERB
ajbmeb-1131	32	16	technical	technical	ADJ
ajbmeb-1131	32	17	solutions	solution	NOUN
ajbmeb-1131	32	18	according	accord	VERB
ajbmeb-1131	32	19	to	to	ADP
ajbmeb-1131	32	20	different	different	ADJ
ajbmeb-1131	32	21	business	business	NOUN
ajbmeb-1131	32	22	situations	situation	NOUN
ajbmeb-1131	32	23	(	(	PUNCT
ajbmeb-1131	32	24	leong	leong	PROPN
ajbmeb-1131	32	25	,	,	PUNCT
ajbmeb-1131	32	26	2018	2018	NUM
ajbmeb-1131	32	27	,	,	PUNCT
ajbmeb-1131	32	28	78	78	NUM
ajbmeb-1131	32	29	)	)	PUNCT
ajbmeb-1131	32	30	,	,	PUNCT
ajbmeb-1131	32	31	the	the	DET
ajbmeb-1131	32	32	use	use	NOUN
ajbmeb-1131	32	33	of	of	ADP
ajbmeb-1131	32	34	cryptocurrencies	cryptocurrencie	NOUN
ajbmeb-1131	32	35	in	in	ADP
ajbmeb-1131	32	36	dealing	deal	VERB
ajbmeb-1131	32	37	and	and	CCONJ
ajbmeb-1131	32	38	making	make	VERB
ajbmeb-1131	32	39	them	they	PRON
ajbmeb-1131	32	40	available	available	ADJ
ajbmeb-1131	32	41	to	to	ADP
ajbmeb-1131	32	42	the	the	DET
ajbmeb-1131	32	43	public	public	NOUN
ajbmeb-1131	32	44	.	.	PUNCT
ajbmeb-1131	33	1	many	many	ADJ
ajbmeb-1131	33	2	companies	company	NOUN
ajbmeb-1131	33	3	are	be	AUX
ajbmeb-1131	33	4	working	work	VERB
ajbmeb-1131	33	5	on	on	ADP
ajbmeb-1131	33	6	modernizing	modernize	VERB
ajbmeb-1131	33	7	technologies	technology	NOUN
ajbmeb-1131	33	8	to	to	PART
ajbmeb-1131	33	9	enhance	enhance	VERB
ajbmeb-1131	33	10	the	the	DET
ajbmeb-1131	33	11	financial	financial	ADJ
ajbmeb-1131	33	12	services	service	NOUN
ajbmeb-1131	33	13	provided	provide	VERB
ajbmeb-1131	33	14	by	by	ADP
ajbmeb-1131	33	15	traditional	traditional	ADJ
ajbmeb-1131	33	16	companies	company	NOUN
ajbmeb-1131	33	17	and	and	CCONJ
ajbmeb-1131	33	18	transform	transform	VERB
ajbmeb-1131	33	19	them	they	PRON
ajbmeb-1131	33	20	into	into	ADP
ajbmeb-1131	33	21	technology	technology	NOUN
ajbmeb-1131	33	22	-	-	PUNCT
ajbmeb-1131	33	23	based	base	VERB
ajbmeb-1131	33	24	companies	company	NOUN
ajbmeb-1131	33	25	(	(	PUNCT
ajbmeb-1131	33	26	arner	arner	NOUN
ajbmeb-1131	33	27	et	et	PROPN
ajbmeb-1131	33	28	al	al	PROPN
ajbmeb-1131	33	29	,	,	PUNCT
ajbmeb-1131	33	30	2015	2015	NUM
ajbmeb-1131	33	31	,	,	PUNCT
ajbmeb-1131	33	32	47	47	NUM
ajbmeb-1131	33	33	)	)	PUNCT
ajbmeb-1131	33	34	.	.	PUNCT
ajbmeb-1131	34	1	thus	thus	ADV
ajbmeb-1131	34	2	,	,	PUNCT
ajbmeb-1131	34	3	the	the	DET
ajbmeb-1131	34	4	term	term	NOUN
ajbmeb-1131	34	5	technology	technology	NOUN
ajbmeb-1131	34	6	has	have	AUX
ajbmeb-1131	34	7	gained	gain	VERB
ajbmeb-1131	34	8	great	great	ADJ
ajbmeb-1131	34	9	importance	importance	NOUN
ajbmeb-1131	34	10	for	for	ADP
ajbmeb-1131	34	11	researchers	researcher	NOUN
ajbmeb-1131	34	12	,	,	PUNCT
ajbmeb-1131	34	13	so	so	SCONJ
ajbmeb-1131	34	14	it	it	PRON
ajbmeb-1131	34	15	is	be	AUX
ajbmeb-1131	34	16	necessary	necessary	ADJ
ajbmeb-1131	34	17	to	to	PART
ajbmeb-1131	34	18	know	know	VERB
ajbmeb-1131	34	19	what	what	PRON
ajbmeb-1131	34	20	financial	financial	ADJ
ajbmeb-1131	34	21	matters	matter	NOUN
ajbmeb-1131	34	22	can	can	AUX
ajbmeb-1131	34	23	be	be	AUX
ajbmeb-1131	34	24	managed	manage	VERB
ajbmeb-1131	34	25	through	through	ADP
ajbmeb-1131	34	26	technology	technology	NOUN
ajbmeb-1131	34	27	.	.	PUNCT
ajbmeb-1131	35	1	the	the	DET
ajbmeb-1131	35	2	idea	idea	NOUN
ajbmeb-1131	35	3	of	of	ADP
ajbmeb-1131	35	4	atms	atms	PROPN
ajbmeb-1131	35	5	was	be	AUX
ajbmeb-1131	35	6	a	a	DET
ajbmeb-1131	35	7	revolutionary	revolutionary	ADJ
ajbmeb-1131	35	8	idea	idea	NOUN
ajbmeb-1131	35	9	at	at	ADP
ajbmeb-1131	35	10	the	the	DET
ajbmeb-1131	35	11	time	time	NOUN
ajbmeb-1131	35	12	and	and	CCONJ
ajbmeb-1131	35	13	other	other	ADJ
ajbmeb-1131	35	14	services	service	NOUN
ajbmeb-1131	35	15	developed	develop	VERB
ajbmeb-1131	35	16	telephone	telephone	NOUN
ajbmeb-1131	35	17	systems	system	NOUN
ajbmeb-1131	35	18	on	on	ADP
ajbmeb-1131	35	19	special	special	ADJ
ajbmeb-1131	35	20	computers	computer	NOUN
ajbmeb-1131	35	21	with	with	ADP
ajbmeb-1131	35	22	modems	modem	NOUN
ajbmeb-1131	35	23	to	to	PART
ajbmeb-1131	35	24	access	access	VERB
ajbmeb-1131	35	25	banking	banking	NOUN
ajbmeb-1131	35	26	applications	application	NOUN
ajbmeb-1131	35	27	,	,	PUNCT
ajbmeb-1131	35	28	with	with	ADP
ajbmeb-1131	35	29	the	the	DET
ajbmeb-1131	35	30	expansion	expansion	NOUN
ajbmeb-1131	35	31	of	of	ADP
ajbmeb-1131	35	32	the	the	DET
ajbmeb-1131	35	33	internet	internet	NOUN
ajbmeb-1131	35	34	in	in	ADP
ajbmeb-1131	35	35	the	the	DET
ajbmeb-1131	35	36	1990s	1990	NOUN
ajbmeb-1131	35	37	,	,	PUNCT
ajbmeb-1131	35	38	banks	bank	NOUN
ajbmeb-1131	35	39	developed	develop	VERB
ajbmeb-1131	35	40	outlets	outlet	NOUN
ajbmeb-1131	35	41	for	for	ADP
ajbmeb-1131	35	42	online	online	ADJ
ajbmeb-1131	35	43	banking	banking	NOUN
ajbmeb-1131	35	44	services	service	NOUN
ajbmeb-1131	35	45	for	for	ADP
ajbmeb-1131	35	46	customers	customer	NOUN
ajbmeb-1131	35	47	,	,	PUNCT
ajbmeb-1131	35	48	in	in	ADP
ajbmeb-1131	35	49	turn	turn	NOUN
ajbmeb-1131	35	50	,	,	PUNCT
ajbmeb-1131	35	51	mastercard	mastercard	PROPN
ajbmeb-1131	35	52	introduced	introduce	VERB
ajbmeb-1131	35	53	the	the	DET
ajbmeb-1131	35	54	latest	late	ADJ
ajbmeb-1131	35	55	technology	technology	NOUN
ajbmeb-1131	35	56	for	for	ADP
ajbmeb-1131	35	57	online	online	ADJ
ajbmeb-1131	35	58	purchases	purchase	NOUN
ajbmeb-1131	35	59	(	(	PUNCT
ajbmeb-1131	35	60	nikkel	nikkel	NOUN
ajbmeb-1131	35	61	,	,	PUNCT
ajbmeb-1131	35	62	2020	2020	NUM
ajbmeb-1131	35	63	,	,	PUNCT
ajbmeb-1131	35	64	)	)	PUNCT
ajbmeb-1131	35	65	.	.	PUNCT
ajbmeb-1131	36	1	at	at	ADP
ajbmeb-1131	36	2	the	the	DET
ajbmeb-1131	36	3	same	same	ADJ
ajbmeb-1131	36	4	time	time	NOUN
ajbmeb-1131	36	5	,	,	PUNCT
ajbmeb-1131	36	6	fintech	fintech	NOUN
ajbmeb-1131	36	7	is	be	AUX
ajbmeb-1131	36	8	growing	grow	VERB
ajbmeb-1131	36	9	rapidly	rapidly	ADV
ajbmeb-1131	36	10	,	,	PUNCT
ajbmeb-1131	36	11	competing	compete	VERB
ajbmeb-1131	36	12	with	with	ADP
ajbmeb-1131	36	13	different	different	ADJ
ajbmeb-1131	36	14	industries	industry	NOUN
ajbmeb-1131	36	15	in	in	ADP
ajbmeb-1131	36	16	producing	produce	VERB
ajbmeb-1131	36	17	services	service	NOUN
ajbmeb-1131	36	18	that	that	PRON
ajbmeb-1131	36	19	are	be	AUX
ajbmeb-1131	36	20	conducive	conducive	ADJ
ajbmeb-1131	36	21	to	to	ADP
ajbmeb-1131	36	22	current	current	ADJ
ajbmeb-1131	36	23	developments	development	NOUN
ajbmeb-1131	36	24	,	,	PUNCT
ajbmeb-1131	36	25	to	to	PART
ajbmeb-1131	36	26	give	give	VERB
ajbmeb-1131	36	27	the	the	DET
ajbmeb-1131	36	28	ease	ease	NOUN
ajbmeb-1131	36	29	of	of	ADP
ajbmeb-1131	36	30	transferring	transfer	VERB
ajbmeb-1131	36	31	services	service	NOUN
ajbmeb-1131	36	32	to	to	ADP
ajbmeb-1131	36	33	consumers	consumer	NOUN
ajbmeb-1131	36	34	very	very	ADV
ajbmeb-1131	36	35	quickly	quickly	ADV
ajbmeb-1131	36	36	,	,	PUNCT
ajbmeb-1131	36	37	as	as	SCONJ
ajbmeb-1131	36	38	is	be	AUX
ajbmeb-1131	36	39	the	the	DET
ajbmeb-1131	36	40	case	case	NOUN
ajbmeb-1131	36	41	in	in	ADP
ajbmeb-1131	36	42	social	social	ADJ
ajbmeb-1131	36	43	networking	networking	NOUN
ajbmeb-1131	36	44	programs	program	NOUN
ajbmeb-1131	36	45	and	and	CCONJ
ajbmeb-1131	36	46	other	other	ADJ
ajbmeb-1131	36	47	programs	program	NOUN
ajbmeb-1131	36	48	that	that	PRON
ajbmeb-1131	36	49	provide	provide	VERB
ajbmeb-1131	36	50	online	online	ADJ
ajbmeb-1131	36	51	services	service	NOUN
ajbmeb-1131	36	52	,	,	PUNCT
ajbmeb-1131	36	53	such	such	ADJ
ajbmeb-1131	36	54	as	as	ADP
ajbmeb-1131	36	55	(	(	PUNCT
ajbmeb-1131	36	56	amazon	amazon	NOUN
ajbmeb-1131	36	57	wulan	wulan	NOUN
ajbmeb-1131	36	58	,	,	PUNCT
ajbmeb-1131	36	59	2017	2017	NUM
ajbmeb-1131	36	60	,	,	PUNCT
ajbmeb-1131	36	61	(	(	PUNCT
ajbmeb-1131	36	62	337	337	NUM
ajbmeb-1131	36	63	)	)	PUNCT
ajbmeb-1131	36	64	.	.	PUNCT
ajbmeb-1131	37	1	it	it	PRON
ajbmeb-1131	37	2	will	will	AUX
ajbmeb-1131	37	3	also	also	ADV
ajbmeb-1131	37	4	be	be	AUX
ajbmeb-1131	37	5	more	more	ADV
ajbmeb-1131	37	6	attractive	attractive	ADJ
ajbmeb-1131	37	7	and	and	CCONJ
ajbmeb-1131	37	8	influence	influence	VERB
ajbmeb-1131	37	9	the	the	DET
ajbmeb-1131	37	10	consumer	consumer	NOUN
ajbmeb-1131	37	11	,	,	PUNCT
ajbmeb-1131	37	12	as	as	SCONJ
ajbmeb-1131	37	13	these	these	DET
ajbmeb-1131	37	14	industries	industry	NOUN
ajbmeb-1131	37	15	have	have	AUX
ajbmeb-1131	37	16	grown	grow	VERB
ajbmeb-1131	37	17	exponentially	exponentially	ADV
ajbmeb-1131	37	18	in	in	ADP
ajbmeb-1131	37	19	recent	recent	ADJ
ajbmeb-1131	37	20	years	year	NOUN
ajbmeb-1131	37	21	.	.	PUNCT
ajbmeb-1131	38	1	fintech	fintech	NOUN
ajbmeb-1131	38	2	was	be	AUX
ajbmeb-1131	38	3	applied	apply	VERB
ajbmeb-1131	38	4	by	by	ADP
ajbmeb-1131	38	5	financial	financial	ADJ
ajbmeb-1131	38	6	service	service	NOUN
ajbmeb-1131	38	7	providers	provider	NOUN
ajbmeb-1131	38	8	on	on	ADP
ajbmeb-1131	38	9	international	international	ADJ
ajbmeb-1131	38	10	stock	stock	NOUN
ajbmeb-1131	38	11	exchanges	exchange	NOUN
ajbmeb-1131	38	12	,	,	PUNCT
ajbmeb-1131	38	13	which	which	PRON
ajbmeb-1131	38	14	were	be	AUX
ajbmeb-1131	38	15	determined	determine	VERB
ajbmeb-1131	38	16	by	by	ADP
ajbmeb-1131	38	17	institutions	institution	NOUN
ajbmeb-1131	38	18	specialized	specialize	VERB
ajbmeb-1131	38	19	in	in	ADP
ajbmeb-1131	38	20	the	the	DET
ajbmeb-1131	38	21	market	market	NOUN
ajbmeb-1131	38	22	and	and	CCONJ
ajbmeb-1131	38	23	through	through	ADP
ajbmeb-1131	38	24	legal	legal	ADJ
ajbmeb-1131	38	25	frameworks	framework	NOUN
ajbmeb-1131	38	26	established	establish	VERB
ajbmeb-1131	38	27	by	by	ADP
ajbmeb-1131	38	28	the	the	DET
ajbmeb-1131	38	29	financial	financial	ADJ
ajbmeb-1131	38	30	supervision	supervision	NOUN
ajbmeb-1131	38	31	authority	authority	NOUN
ajbmeb-1131	38	32	,	,	PUNCT
ajbmeb-1131	38	33	in	in	ADP
ajbmeb-1131	38	34	addition	addition	NOUN
ajbmeb-1131	38	35	to	to	ADP
ajbmeb-1131	38	36	providing	provide	VERB
ajbmeb-1131	38	37	ways	way	NOUN
ajbmeb-1131	38	38	to	to	PART
ajbmeb-1131	38	39	ensure	ensure	VERB
ajbmeb-1131	38	40	that	that	SCONJ
ajbmeb-1131	38	41	customers	customer	NOUN
ajbmeb-1131	38	42	receive	receive	VERB
ajbmeb-1131	38	43	services	service	NOUN
ajbmeb-1131	38	44	in	in	ADP
ajbmeb-1131	38	45	online	online	ADJ
ajbmeb-1131	38	46	trading	trading	NOUN
ajbmeb-1131	38	47	platforms	platform	NOUN
ajbmeb-1131	38	48	(	(	PUNCT
ajbmeb-1131	38	49	micu	micu	PROPN
ajbmeb-1131	38	50	,	,	PUNCT
ajbmeb-1131	38	51	2016	2016	NUM
ajbmeb-1131	38	52	,	,	PUNCT
ajbmeb-1131	38	53	483	483	NUM
ajbmeb-1131	38	54	)	)	PUNCT
ajbmeb-1131	38	55	.	.	PUNCT
ajbmeb-1131	39	1	1.2the	1.2the	DET
ajbmeb-1131	39	2	financial	financial	ADJ
ajbmeb-1131	39	3	technology	technology	NOUN
ajbmeb-1131	39	4	revolution	revolution	NOUN
ajbmeb-1131	39	5	despite	despite	SCONJ
ajbmeb-1131	39	6	its	its	PRON
ajbmeb-1131	39	7	late	late	ADJ
ajbmeb-1131	39	8	start	start	NOUN
ajbmeb-1131	39	9	,	,	PUNCT
ajbmeb-1131	39	10	fintech	fintech	NOUN
ajbmeb-1131	39	11	is	be	AUX
ajbmeb-1131	39	12	gaining	gain	VERB
ajbmeb-1131	39	13	traction	traction	NOUN
ajbmeb-1131	39	14	in	in	ADP
ajbmeb-1131	39	15	some	some	DET
ajbmeb-1131	39	16	countries	country	NOUN
ajbmeb-1131	39	17	in	in	ADP
ajbmeb-1131	39	18	the	the	DET
ajbmeb-1131	39	19	middle	middle	PROPN
ajbmeb-1131	39	20	east	east	PROPN
ajbmeb-1131	39	21	and	and	CCONJ
ajbmeb-1131	39	22	north	north	PROPN
ajbmeb-1131	39	23	africa	africa	PROPN
ajbmeb-1131	39	24	(	(	PUNCT
ajbmeb-1131	39	25	imf	imf	PROPN
ajbmeb-1131	39	26	,	,	PUNCT
ajbmeb-1131	39	27	2017	2017	NUM
ajbmeb-1131	39	28	)	)	PUNCT
ajbmeb-1131	39	29	and	and	CCONJ
ajbmeb-1131	39	30	is	be	AUX
ajbmeb-1131	39	31	also	also	ADV
ajbmeb-1131	39	32	emerging	emerge	VERB
ajbmeb-1131	39	33	early	early	ADV
ajbmeb-1131	39	34	in	in	ADP
ajbmeb-1131	39	35	the	the	DET
ajbmeb-1131	39	36	caucasus	caucasus	NOUN
ajbmeb-1131	39	37	and	and	CCONJ
ajbmeb-1131	39	38	central	central	ADJ
ajbmeb-1131	39	39	asia	asia	PROPN
ajbmeb-1131	39	40	.	.	PUNCT
ajbmeb-1131	40	1	financial	financial	ADJ
ajbmeb-1131	40	2	technology	technology	NOUN
ajbmeb-1131	40	3	emerged	emerge	VERB
ajbmeb-1131	40	4	in	in	ADP
ajbmeb-1131	40	5	both	both	DET
ajbmeb-1131	40	6	regions	region	NOUN
ajbmeb-1131	40	7	to	to	PART
ajbmeb-1131	40	8	enhance	enhance	VERB
ajbmeb-1131	40	9	financial	financial	ADJ
ajbmeb-1131	40	10	inclusion	inclusion	NOUN
ajbmeb-1131	40	11	(	(	PUNCT
ajbmeb-1131	40	12	senyo	senyo	PROPN
ajbmeb-1131	40	13	&	&	CCONJ
ajbmeb-1131	40	14	osabutey	osabutey	PROPN
ajbmeb-1131	40	15	,	,	PUNCT
ajbmeb-1131	40	16	2020	2020	NUM
ajbmeb-1131	40	17	,	,	PUNCT
ajbmeb-1131	40	18	612	612	NUM
ajbmeb-1131	40	19	)	)	PUNCT
ajbmeb-1131	40	20	,	,	PUNCT
ajbmeb-1131	40	21	diversify	diversify	VERB
ajbmeb-1131	40	22	economic	economic	ADJ
ajbmeb-1131	40	23	activity	activity	NOUN
ajbmeb-1131	40	24	,	,	PUNCT
ajbmeb-1131	40	25	and	and	CCONJ
ajbmeb-1131	40	26	inclusive	inclusive	ADJ
ajbmeb-1131	40	27	growth	growth	NOUN
ajbmeb-1131	40	28	through	through	ADP
ajbmeb-1131	40	29	the	the	DET
ajbmeb-1131	40	30	financial	financial	ADJ
ajbmeb-1131	40	31	innovations	innovation	NOUN
ajbmeb-1131	40	32	it	it	PRON
ajbmeb-1131	40	33	provides	provide	VERB
ajbmeb-1131	40	34	as	as	SCONJ
ajbmeb-1131	40	35	this	this	PRON
ajbmeb-1131	40	36	helps	help	VERB
ajbmeb-1131	40	37	to	to	PART
ajbmeb-1131	40	38	provide	provide	VERB
ajbmeb-1131	40	39	financial	financial	ADJ
ajbmeb-1131	40	40	services	service	NOUN
ajbmeb-1131	40	41	to	to	ADP
ajbmeb-1131	40	42	a	a	DET
ajbmeb-1131	40	43	large	large	ADJ
ajbmeb-1131	40	44	segment	segment	NOUN
ajbmeb-1131	40	45	of	of	ADP
ajbmeb-1131	40	46	the	the	DET
ajbmeb-1131	40	47	population	population	NOUN
ajbmeb-1131	40	48	that	that	PRON
ajbmeb-1131	40	49	deals	deal	VERB
ajbmeb-1131	40	50	with	with	ADP
ajbmeb-1131	40	51	the	the	DET
ajbmeb-1131	40	52	banking	banking	NOUN
ajbmeb-1131	40	53	system	system	NOUN
ajbmeb-1131	40	54	(	(	PUNCT
ajbmeb-1131	40	55	palmié	palmié	PROPN
ajbmeb-1131	40	56	et	et	PROPN
ajbmeb-1131	40	57	al	al	PROPN
ajbmeb-1131	40	58	.	.	PUNCT
ajbmeb-1131	41	1	al	al	PROPN
ajbmeb-1131	41	2	.	.	PROPN
ajbmeb-1131	41	3	,	,	PUNCT
ajbmeb-1131	41	4	2020	2020	NUM
ajbmeb-1131	41	5	,	,	PUNCT
ajbmeb-1131	41	6	492	492	NUM
ajbmeb-1131	41	7	)	)	PUNCT
ajbmeb-1131	41	8	it	it	PRON
ajbmeb-1131	41	9	facilitates	facilitate	VERB
ajbmeb-1131	41	10	the	the	DET
ajbmeb-1131	41	11	availability	availability	NOUN
ajbmeb-1131	41	12	of	of	ADP
ajbmeb-1131	41	13	alternative	alternative	ADJ
ajbmeb-1131	41	14	financing	financing	NOUN
ajbmeb-1131	41	15	sources	source	NOUN
ajbmeb-1131	41	16	for	for	ADP
ajbmeb-1131	41	17	small	small	ADJ
ajbmeb-1131	41	18	and	and	CCONJ
ajbmeb-1131	41	19	medium	medium	ADJ
ajbmeb-1131	41	20	enterprises	enterprise	NOUN
ajbmeb-1131	41	21	.	.	PUNCT
ajbmeb-1131	42	1	fintech	fintech	NOUN
ajbmeb-1131	42	2	can	can	AUX
ajbmeb-1131	42	3	also	also	ADV
ajbmeb-1131	42	4	make	make	VERB
ajbmeb-1131	42	5	a	a	DET
ajbmeb-1131	42	6	significant	significant	ADJ
ajbmeb-1131	42	7	contribution	contribution	NOUN
ajbmeb-1131	42	8	to	to	ADP
ajbmeb-1131	42	9	economic	economic	ADJ
ajbmeb-1131	42	10	stability	stability	NOUN
ajbmeb-1131	42	11	by	by	ADP
ajbmeb-1131	42	12	using	use	VERB
ajbmeb-1131	42	13	technology	technology	NOUN
ajbmeb-1131	42	14	to	to	PART
ajbmeb-1131	42	15	ensure	ensure	VERB
ajbmeb-1131	42	16	compliance	compliance	NOUN
ajbmeb-1131	42	17	with	with	ADP
ajbmeb-1131	42	18	regulations	regulation	NOUN
ajbmeb-1131	42	19	and	and	CCONJ
ajbmeb-1131	42	20	manage	manage	VERB
ajbmeb-1131	42	21	risks	risk	NOUN
ajbmeb-1131	42	22	.	.	PUNCT
ajbmeb-1131	43	1	electronic	electronic	ADJ
ajbmeb-1131	43	2	payment	payment	NOUN
ajbmeb-1131	43	3	methods	method	NOUN
ajbmeb-1131	43	4	can	can	AUX
ajbmeb-1131	43	5	also	also	ADV
ajbmeb-1131	43	6	increase	increase	VERB
ajbmeb-1131	43	7	the	the	DET
ajbmeb-1131	43	8	efficiency	efficiency	NOUN
ajbmeb-1131	43	9	of	of	ADP
ajbmeb-1131	43	10	government	government	NOUN
ajbmeb-1131	43	11	operations	operation	NOUN
ajbmeb-1131	43	12	.	.	PUNCT
ajbmeb-1131	44	1	further	further	ADJ
ajbmeb-1131	44	2	reforms	reform	NOUN
ajbmeb-1131	44	3	are	be	AUX
ajbmeb-1131	44	4	needed	need	VERB
ajbmeb-1131	44	5	to	to	PART
ajbmeb-1131	44	6	fill	fill	VERB
ajbmeb-1131	44	7	in	in	ADP
ajbmeb-1131	44	8	the	the	DET
ajbmeb-1131	44	9	gaps	gap	NOUN
ajbmeb-1131	44	10	in	in	ADP
ajbmeb-1131	44	11	regulatory	regulatory	ADJ
ajbmeb-1131	44	12	frameworks	framework	NOUN
ajbmeb-1131	44	13	(	(	PUNCT
ajbmeb-1131	44	14	walaza	walaza	NOUN
ajbmeb-1131	44	15	et	et	NOUN
ajbmeb-1131	44	16	al	al	PROPN
ajbmeb-1131	44	17	.	.	PROPN
ajbmeb-1131	44	18	,	,	PUNCT
ajbmeb-1131	44	19	2014	2014	NUM
ajbmeb-1131	44	20	)	)	PUNCT
ajbmeb-1131	44	21	,	,	PUNCT
ajbmeb-1131	44	22	consumer	consumer	NOUN
ajbmeb-1131	44	23	protection	protection	NOUN
ajbmeb-1131	44	24	and	and	CCONJ
ajbmeb-1131	44	25	information	information	NOUN
ajbmeb-1131	44	26	security	security	NOUN
ajbmeb-1131	44	27	,	,	PUNCT
ajbmeb-1131	44	28	and	and	CCONJ
ajbmeb-1131	44	29	for	for	ADP
ajbmeb-1131	44	30	business	business	NOUN
ajbmeb-1131	44	31	background	background	NOUN
ajbmeb-1131	44	32	development	development	NOUN
ajbmeb-1131	44	33	,	,	PUNCT
ajbmeb-1131	44	34	ict	ict	NOUN
ajbmeb-1131	44	35	creation	creation	NOUN
ajbmeb-1131	44	36	,	,	PUNCT
ajbmeb-1131	44	37	and	and	CCONJ
ajbmeb-1131	44	38	financial	financial	ADJ
ajbmeb-1131	44	39	awareness	awareness	NOUN
ajbmeb-1131	44	40	(	(	PUNCT
ajbmeb-1131	44	41	dhanavandan	dhanavandan	PROPN
ajbmeb-1131	44	42	et	et	PROPN
ajbmeb-1131	44	43	al	al	PROPN
ajbmeb-1131	44	44	.	.	PROPN
ajbmeb-1131	44	45	,	,	PUNCT
ajbmeb-1131	44	46	2012	2012	NUM
ajbmeb-1131	44	47	,	,	PUNCT
ajbmeb-1131	44	48	371	371	NUM
ajbmeb-1131	44	49	)	)	PUNCT
ajbmeb-1131	44	50	,	,	PUNCT
ajbmeb-1131	44	51	and	and	CCONJ
ajbmeb-1131	44	52	the	the	DET
ajbmeb-1131	44	53	spread	spread	NOUN
ajbmeb-1131	44	54	of	of	ADP
ajbmeb-1131	44	55	global	global	ADJ
ajbmeb-1131	44	56	investment	investment	NOUN
ajbmeb-1131	44	57	in	in	ADP
ajbmeb-1131	44	58	financial	financial	ADJ
ajbmeb-1131	44	59	technology	technology	NOUN
ajbmeb-1131	44	60	in	in	ADP
ajbmeb-1131	44	61	the	the	DET
ajbmeb-1131	44	62	past	past	ADJ
ajbmeb-1131	44	63	five	five	NUM
ajbmeb-1131	44	64	years	year	NOUN
ajbmeb-1131	44	65	.	.	PUNCT
ajbmeb-1131	45	1	forecasts	forecast	NOUN
ajbmeb-1131	45	2	indicate	indicate	VERB
ajbmeb-1131	45	3	that	that	SCONJ
ajbmeb-1131	45	4	it	it	PRON
ajbmeb-1131	45	5	will	will	AUX
ajbmeb-1131	45	6	continue	continue	VERB
ajbmeb-1131	45	7	to	to	PART
ajbmeb-1131	45	8	rise	rise	VERB
ajbmeb-1131	45	9	strongly	strongly	ADV
ajbmeb-1131	45	10	,	,	PUNCT
ajbmeb-1131	45	11	the	the	DET
ajbmeb-1131	45	12	value	value	NOUN
ajbmeb-1131	45	13	of	of	ADP
ajbmeb-1131	45	14	investments	investment	NOUN
ajbmeb-1131	45	15	in	in	ADP
ajbmeb-1131	45	16	financial	financial	ADJ
ajbmeb-1131	45	17	technology	technology	NOUN
ajbmeb-1131	45	18	increased	increase	VERB
ajbmeb-1131	45	19	more	more	ADV
ajbmeb-1131	45	20	than	than	ADP
ajbmeb-1131	45	21	tenfold	tenfold	ADV
ajbmeb-1131	45	22	from	from	ADP
ajbmeb-1131	45	23	2008	2008	NUM
ajbmeb-1131	45	24	to	to	ADP
ajbmeb-1131	45	25	2014	2014	NUM
ajbmeb-1131	45	26	,	,	PUNCT
ajbmeb-1131	45	27	although	although	SCONJ
ajbmeb-1131	45	28	the	the	DET
ajbmeb-1131	45	29	integration	integration	NOUN
ajbmeb-1131	45	30	of	of	ADP
ajbmeb-1131	45	31	organizations	organization	NOUN
ajbmeb-1131	45	32	operating	operate	VERB
ajbmeb-1131	45	33	in	in	ADP
ajbmeb-1131	45	34	the	the	DET
ajbmeb-1131	45	35	financial	financial	ADJ
ajbmeb-1131	45	36	technology	technology	NOUN
ajbmeb-1131	45	37	sector	sector	NOUN
ajbmeb-1131	45	38	in	in	ADP
ajbmeb-1131	45	39	the	the	DET
ajbmeb-1131	45	40	united	united	PROPN
ajbmeb-1131	45	41	states	states	PROPN
ajbmeb-1131	45	42	led	lead	VERB
ajbmeb-1131	45	43	to	to	ADP
ajbmeb-1131	45	44	a	a	DET
ajbmeb-1131	45	45	decline	decline	NOUN
ajbmeb-1131	45	46	in	in	ADP
ajbmeb-1131	45	47	global	global	ADJ
ajbmeb-1131	45	48	investment	investment	NOUN
ajbmeb-1131	45	49	in	in	ADP
ajbmeb-1131	45	50	2016	2016	NUM
ajbmeb-1131	45	51	.	.	PUNCT
ajbmeb-1131	46	1	development	development	NOUN
ajbmeb-1131	46	2	continued	continue	VERB
ajbmeb-1131	46	3	in	in	ADP
ajbmeb-1131	46	4	other	other	ADJ
ajbmeb-1131	46	5	regions	region	NOUN
ajbmeb-1131	46	6	,	,	PUNCT
ajbmeb-1131	46	7	along	along	ADP
ajbmeb-1131	46	8	with	with	ADP
ajbmeb-1131	46	9	the	the	DET
ajbmeb-1131	46	10	middle	middle	PROPN
ajbmeb-1131	46	11	east	east	PROPN
ajbmeb-1131	46	12	and	and	CCONJ
ajbmeb-1131	46	13	north	north	PROPN
ajbmeb-1131	46	14	africa	africa	PROPN
ajbmeb-1131	46	15	region	region	NOUN
ajbmeb-1131	46	16	,	,	PUNCT
ajbmeb-1131	46	17	and	and	CCONJ
ajbmeb-1131	46	18	prognosis	prognosis	NOUN
ajbmeb-1131	46	19	showed	show	VERB
ajbmeb-1131	46	20	a	a	DET
ajbmeb-1131	46	21	strong	strong	ADJ
ajbmeb-1131	46	22	positive	positive	ADJ
ajbmeb-1131	46	23	jump	jump	NOUN
ajbmeb-1131	46	24	again	again	ADV
ajbmeb-1131	46	25	in	in	ADP
ajbmeb-1131	46	26	the	the	DET
ajbmeb-1131	46	27	first	first	ADJ
ajbmeb-1131	46	28	half	half	NOUN
ajbmeb-1131	46	29	of	of	ADP
ajbmeb-1131	46	30	2017	2017	NUM
ajbmeb-1131	46	31	(	(	PUNCT
ajbmeb-1131	46	32	kpmg	kpmg	PROPN
ajbmeb-1131	46	33	,	,	PUNCT
ajbmeb-1131	46	34	2018	2018	NUM
ajbmeb-1131	46	35	;	;	PUNCT
ajbmeb-1131	47	1	truong	truong	PROPN
ajbmeb-1131	47	2	,	,	PUNCT
ajbmeb-1131	47	3	2016,754	2016,754	NUM
ajbmeb-1131	47	4	)	)	PUNCT
ajbmeb-1131	47	5	.	.	PUNCT
ajbmeb-1131	48	1	2	2	X
ajbmeb-1131	48	2	.	.	X
ajbmeb-1131	48	3	international	international	ADJ
ajbmeb-1131	48	4	experiences	experience	NOUN
ajbmeb-1131	48	5	in	in	ADP
ajbmeb-1131	48	6	financial	financial	ADJ
ajbmeb-1131	48	7	technology	technology	NOUN
ajbmeb-1131	48	8	developed	develop	VERB
ajbmeb-1131	48	9	and	and	CCONJ
ajbmeb-1131	48	10	developing	develop	VERB
ajbmeb-1131	48	11	countries	country	NOUN
ajbmeb-1131	48	12	alike	alike	ADV
ajbmeb-1131	48	13	paid	pay	VERB
ajbmeb-1131	48	14	attention	attention	NOUN
ajbmeb-1131	48	15	to	to	ADP
ajbmeb-1131	48	16	recent	recent	ADJ
ajbmeb-1131	48	17	financial	financial	ADJ
ajbmeb-1131	48	18	developments	development	NOUN
ajbmeb-1131	48	19	and	and	CCONJ
ajbmeb-1131	48	20	innovations	innovation	NOUN
ajbmeb-1131	48	21	,	,	PUNCT
ajbmeb-1131	48	22	because	because	SCONJ
ajbmeb-1131	48	23	of	of	ADP
ajbmeb-1131	48	24	their	their	PRON
ajbmeb-1131	48	25	active	active	ADJ
ajbmeb-1131	48	26	role	role	NOUN
ajbmeb-1131	48	27	in	in	ADP
ajbmeb-1131	48	28	economic	economic	ADJ
ajbmeb-1131	48	29	life	life	NOUN
ajbmeb-1131	48	30	and	and	CCONJ
ajbmeb-1131	48	31	banking	banking	NOUN
ajbmeb-1131	48	32	transactions	transaction	NOUN
ajbmeb-1131	48	33	.	.	PUNCT
ajbmeb-1131	49	1	american	american	ADJ
ajbmeb-1131	49	2	journal	journal	PROPN
ajbmeb-1131	49	3	of	of	ADP
ajbmeb-1131	49	4	business	business	NOUN
ajbmeb-1131	49	5	management	management	NOUN
ajbmeb-1131	49	6	,	,	PUNCT
ajbmeb-1131	49	7	economics	economic	NOUN
ajbmeb-1131	49	8	and	and	CCONJ
ajbmeb-1131	49	9	banking	banking	NOUN
ajbmeb-1131	49	10	volume	volume	NOUN
ajbmeb-1131	49	11	15	15	NUM
ajbmeb-1131	49	12	august	august	PROPN
ajbmeb-1131	49	13	,	,	PUNCT
ajbmeb-1131	49	14	2023	2023	NUM
ajbmeb-1131	49	15	p	p	NOUN
ajbmeb-1131	49	16	a	a	PRON
ajbmeb-1131	49	17	g	g	NOUN
ajbmeb-1131	49	18	e	e	NOUN
ajbmeb-1131	50	1	|	|	ADV
ajbmeb-1131	50	2	41	41	NUM
ajbmeb-1131	50	3	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1131	50	4	the	the	DET
ajbmeb-1131	50	5	following	follow	VERB
ajbmeb-1131	50	6	are	be	AUX
ajbmeb-1131	50	7	examples	example	NOUN
ajbmeb-1131	50	8	of	of	ADP
ajbmeb-1131	50	9	arab	arab	ADJ
ajbmeb-1131	50	10	countries	country	NOUN
ajbmeb-1131	50	11	that	that	PRON
ajbmeb-1131	50	12	have	have	AUX
ajbmeb-1131	50	13	adopted	adopt	VERB
ajbmeb-1131	50	14	the	the	DET
ajbmeb-1131	50	15	development	development	NOUN
ajbmeb-1131	50	16	of	of	ADP
ajbmeb-1131	50	17	financial	financial	ADJ
ajbmeb-1131	50	18	technology	technology	NOUN
ajbmeb-1131	50	19	,	,	PUNCT
ajbmeb-1131	50	20	creating	create	VERB
ajbmeb-1131	50	21	the	the	DET
ajbmeb-1131	50	22	appropriate	appropriate	ADJ
ajbmeb-1131	50	23	environment	environment	NOUN
ajbmeb-1131	50	24	for	for	ADP
ajbmeb-1131	50	25	investments	investment	NOUN
ajbmeb-1131	50	26	in	in	ADP
ajbmeb-1131	50	27	this	this	DET
ajbmeb-1131	50	28	sector	sector	NOUN
ajbmeb-1131	50	29	,	,	PUNCT
ajbmeb-1131	50	30	and	and	CCONJ
ajbmeb-1131	50	31	supporting	support	VERB
ajbmeb-1131	50	32	incubators	incubator	NOUN
ajbmeb-1131	50	33	and	and	CCONJ
ajbmeb-1131	50	34	emerging	emerge	VERB
ajbmeb-1131	50	35	companies	company	NOUN
ajbmeb-1131	50	36	in	in	ADP
ajbmeb-1131	50	37	the	the	DET
ajbmeb-1131	50	38	financial	financial	ADJ
ajbmeb-1131	50	39	sector	sector	NOUN
ajbmeb-1131	50	40	and	and	CCONJ
ajbmeb-1131	50	41	financial	financial	ADJ
ajbmeb-1131	50	42	innovations	innovation	NOUN
ajbmeb-1131	50	43	.	.	PUNCT
ajbmeb-1131	51	1	2.1the	2.1the	DET
ajbmeb-1131	51	2	development	development	NOUN
ajbmeb-1131	51	3	of	of	ADP
ajbmeb-1131	51	4	financial	financial	ADJ
ajbmeb-1131	51	5	technology	technology	NOUN
ajbmeb-1131	51	6	in	in	ADP
ajbmeb-1131	51	7	egypt	egypt	PROPN
ajbmeb-1131	51	8	for	for	ADP
ajbmeb-1131	51	9	the	the	DET
ajbmeb-1131	51	10	period	period	NOUN
ajbmeb-1131	51	11	2017	2017	NUM
ajbmeb-1131	51	12	-	-	SYM
ajbmeb-1131	51	13	2021	2021	NUM
ajbmeb-1131	51	14	financial	financial	ADJ
ajbmeb-1131	51	15	technology	technology	NOUN
ajbmeb-1131	51	16	in	in	ADP
ajbmeb-1131	51	17	egypt	egypt	PROPN
ajbmeb-1131	51	18	has	have	AUX
ajbmeb-1131	51	19	witnessed	witness	VERB
ajbmeb-1131	51	20	great	great	ADJ
ajbmeb-1131	51	21	developments	development	NOUN
ajbmeb-1131	51	22	in	in	ADP
ajbmeb-1131	51	23	the	the	DET
ajbmeb-1131	51	24	past	past	ADJ
ajbmeb-1131	51	25	few	few	ADJ
ajbmeb-1131	51	26	years	year	NOUN
ajbmeb-1131	51	27	.	.	PUNCT
ajbmeb-1131	52	1	egypt	egypt	PROPN
ajbmeb-1131	52	2	has	have	AUX
ajbmeb-1131	52	3	become	become	VERB
ajbmeb-1131	52	4	a	a	DET
ajbmeb-1131	52	5	home	home	NOUN
ajbmeb-1131	52	6	for	for	ADP
ajbmeb-1131	52	7	financial	financial	ADJ
ajbmeb-1131	52	8	technology	technology	NOUN
ajbmeb-1131	52	9	,	,	PUNCT
ajbmeb-1131	52	10	which	which	PRON
ajbmeb-1131	52	11	encourages	encourage	VERB
ajbmeb-1131	52	12	new	new	ADJ
ajbmeb-1131	52	13	government	government	NOUN
ajbmeb-1131	52	14	regulation	regulation	NOUN
ajbmeb-1131	52	15	and	and	CCONJ
ajbmeb-1131	52	16	stimulates	stimulate	VERB
ajbmeb-1131	52	17	companies	company	NOUN
ajbmeb-1131	52	18	to	to	PART
ajbmeb-1131	52	19	contribute	contribute	VERB
ajbmeb-1131	52	20	to	to	ADP
ajbmeb-1131	52	21	shaping	shape	VERB
ajbmeb-1131	52	22	a	a	DET
ajbmeb-1131	52	23	better	well	ADJ
ajbmeb-1131	52	24	environment	environment	NOUN
ajbmeb-1131	52	25	for	for	ADP
ajbmeb-1131	52	26	financial	financial	ADJ
ajbmeb-1131	52	27	technology	technology	NOUN
ajbmeb-1131	52	28	in	in	ADP
ajbmeb-1131	52	29	egypt	egypt	PROPN
ajbmeb-1131	52	30	.	.	PUNCT
ajbmeb-1131	53	1	egypt	egypt	PROPN
ajbmeb-1131	53	2	has	have	AUX
ajbmeb-1131	53	3	witnessed	witness	VERB
ajbmeb-1131	53	4	the	the	DET
ajbmeb-1131	53	5	launch	launch	NOUN
ajbmeb-1131	53	6	of	of	ADP
ajbmeb-1131	53	7	various	various	ADJ
ajbmeb-1131	53	8	financial	financial	ADJ
ajbmeb-1131	53	9	technology	technology	NOUN
ajbmeb-1131	53	10	incentives	incentive	NOUN
ajbmeb-1131	53	11	and	and	CCONJ
ajbmeb-1131	53	12	investment	investment	NOUN
ajbmeb-1131	53	13	capital	capital	NOUN
ajbmeb-1131	53	14	funds	fund	NOUN
ajbmeb-1131	53	15	that	that	PRON
ajbmeb-1131	53	16	focus	focus	VERB
ajbmeb-1131	53	17	on	on	ADP
ajbmeb-1131	53	18	financial	financial	ADJ
ajbmeb-1131	53	19	technology	technology	NOUN
ajbmeb-1131	53	20	and	and	CCONJ
ajbmeb-1131	53	21	various	various	ADJ
ajbmeb-1131	53	22	government	government	NOUN
ajbmeb-1131	53	23	initiatives	initiative	NOUN
ajbmeb-1131	53	24	in	in	ADP
ajbmeb-1131	53	25	an	an	DET
ajbmeb-1131	53	26	attempt	attempt	NOUN
ajbmeb-1131	53	27	to	to	PART
ajbmeb-1131	53	28	address	address	VERB
ajbmeb-1131	53	29	the	the	DET
ajbmeb-1131	53	30	various	various	ADJ
ajbmeb-1131	53	31	financial	financial	ADJ
ajbmeb-1131	53	32	challenges	challenge	NOUN
ajbmeb-1131	53	33	facing	face	VERB
ajbmeb-1131	53	34	individuals	individual	NOUN
ajbmeb-1131	53	35	and	and	CCONJ
ajbmeb-1131	53	36	companies	company	NOUN
ajbmeb-1131	53	37	in	in	ADP
ajbmeb-1131	53	38	egypt	egypt	PROPN
ajbmeb-1131	53	39	.	.	PUNCT
ajbmeb-1131	54	1	the	the	DET
ajbmeb-1131	54	2	government	government	NOUN
ajbmeb-1131	54	3	has	have	AUX
ajbmeb-1131	54	4	taken	take	VERB
ajbmeb-1131	54	5	various	various	ADJ
ajbmeb-1131	54	6	initiatives	initiative	NOUN
ajbmeb-1131	54	7	to	to	PART
ajbmeb-1131	54	8	encourage	encourage	VERB
ajbmeb-1131	54	9	financial	financial	ADJ
ajbmeb-1131	54	10	technology	technology	NOUN
ajbmeb-1131	54	11	in	in	ADP
ajbmeb-1131	54	12	the	the	DET
ajbmeb-1131	54	13	country	country	NOUN
ajbmeb-1131	54	14	,	,	PUNCT
ajbmeb-1131	54	15	including	include	VERB
ajbmeb-1131	54	16	launching	launch	VERB
ajbmeb-1131	54	17	the	the	DET
ajbmeb-1131	54	18	fintech	fintech	NOUN
ajbmeb-1131	54	19	egypt	egypt	PROPN
ajbmeb-1131	54	20	platform	platform	NOUN
ajbmeb-1131	54	21	and	and	CCONJ
ajbmeb-1131	54	22	converting	convert	VERB
ajbmeb-1131	54	23	the	the	DET
ajbmeb-1131	54	24	historic	historic	ADJ
ajbmeb-1131	54	25	central	central	ADJ
ajbmeb-1131	54	26	bank	bank	PROPN
ajbmeb-1131	54	27	of	of	ADP
ajbmeb-1131	54	28	egypt	egypt	PROPN
ajbmeb-1131	54	29	building	build	VERB
ajbmeb-1131	54	30	into	into	ADP
ajbmeb-1131	54	31	a	a	DET
ajbmeb-1131	54	32	financial	financial	ADJ
ajbmeb-1131	54	33	technology	technology	NOUN
ajbmeb-1131	54	34	center	center	NOUN
ajbmeb-1131	54	35	.	.	PUNCT
ajbmeb-1131	55	1	the	the	DET
ajbmeb-1131	55	2	egyptian	egyptian	ADJ
ajbmeb-1131	55	3	government	government	NOUN
ajbmeb-1131	55	4	has	have	AUX
ajbmeb-1131	55	5	also	also	ADV
ajbmeb-1131	55	6	introduced	introduce	VERB
ajbmeb-1131	55	7	a	a	DET
ajbmeb-1131	55	8	(	(	PUNCT
ajbmeb-1131	55	9	regulatory	regulatory	ADJ
ajbmeb-1131	55	10	sandbox	sandbox	NOUN
ajbmeb-1131	55	11	)	)	PUNCT
ajbmeb-1131	55	12	in	in	ADP
ajbmeb-1131	55	13	the	the	DET
ajbmeb-1131	55	14	fintech	fintech	NOUN
ajbmeb-1131	55	15	field	field	NOUN
ajbmeb-1131	55	16	to	to	PART
ajbmeb-1131	55	17	allow	allow	VERB
ajbmeb-1131	55	18	startups	startup	NOUN
ajbmeb-1131	55	19	and	and	CCONJ
ajbmeb-1131	55	20	founders	founder	NOUN
ajbmeb-1131	55	21	to	to	PART
ajbmeb-1131	55	22	test	test	VERB
ajbmeb-1131	55	23	their	their	PRON
ajbmeb-1131	55	24	fintech	fintech	NOUN
ajbmeb-1131	55	25	ideas	idea	NOUN
ajbmeb-1131	55	26	in	in	ADP
ajbmeb-1131	55	27	a	a	DET
ajbmeb-1131	55	28	controlled	control	VERB
ajbmeb-1131	55	29	environment	environment	NOUN
ajbmeb-1131	55	30	(	(	PUNCT
ajbmeb-1131	55	31	information	information	NOUN
ajbmeb-1131	55	32	and	and	CCONJ
ajbmeb-1131	55	33	decision	decision	NOUN
ajbmeb-1131	55	34	support	support	NOUN
ajbmeb-1131	55	35	center	center	NOUN
ajbmeb-1131	55	36	,	,	PUNCT
ajbmeb-1131	55	37	2020	2020	NUM
ajbmeb-1131	55	38	,	,	PUNCT
ajbmeb-1131	55	39	1	1	NUM
ajbmeb-1131	55	40	-	-	SYM
ajbmeb-1131	55	41	2	2	NUM
ajbmeb-1131	55	42	)	)	PUNCT
ajbmeb-1131	55	43	.	.	PUNCT
ajbmeb-1131	56	1	the	the	DET
ajbmeb-1131	56	2	following	follow	VERB
ajbmeb-1131	56	3	are	be	AUX
ajbmeb-1131	56	4	the	the	DET
ajbmeb-1131	56	5	most	most	ADV
ajbmeb-1131	56	6	important	important	ADJ
ajbmeb-1131	56	7	developments	development	NOUN
ajbmeb-1131	56	8	in	in	ADP
ajbmeb-1131	56	9	the	the	DET
ajbmeb-1131	56	10	field	field	NOUN
ajbmeb-1131	56	11	of	of	ADP
ajbmeb-1131	56	12	financial	financial	ADJ
ajbmeb-1131	56	13	technology	technology	NOUN
ajbmeb-1131	56	14	.	.	PUNCT
ajbmeb-1131	57	1	2.2the	2.2the	DET
ajbmeb-1131	57	2	development	development	NOUN
ajbmeb-1131	57	3	of	of	ADP
ajbmeb-1131	57	4	the	the	DET
ajbmeb-1131	57	5	electronic	electronic	ADJ
ajbmeb-1131	57	6	card	card	NOUN
ajbmeb-1131	57	7	in	in	ADP
ajbmeb-1131	57	8	egypt	egypt	PROPN
ajbmeb-1131	57	9	for	for	ADP
ajbmeb-1131	57	10	the	the	DET
ajbmeb-1131	57	11	period	period	NOUN
ajbmeb-1131	57	12	2017	2017	NUM
ajbmeb-1131	57	13	-	-	SYM
ajbmeb-1131	57	14	2021	2021	NUM
ajbmeb-1131	57	15	we	we	PRON
ajbmeb-1131	57	16	can	can	AUX
ajbmeb-1131	57	17	see	see	VERB
ajbmeb-1131	57	18	through	through	ADP
ajbmeb-1131	57	19	figure	figure	NOUN
ajbmeb-1131	57	20	(	(	PUNCT
ajbmeb-1131	57	21	1	1	NUM
ajbmeb-1131	57	22	)	)	PUNCT
ajbmeb-1131	57	23	a	a	DET
ajbmeb-1131	57	24	growth	growth	NOUN
ajbmeb-1131	57	25	process	process	NOUN
ajbmeb-1131	57	26	in	in	ADP
ajbmeb-1131	57	27	the	the	DET
ajbmeb-1131	57	28	field	field	NOUN
ajbmeb-1131	57	29	of	of	ADP
ajbmeb-1131	57	30	electronic	electronic	ADJ
ajbmeb-1131	57	31	payment	payment	NOUN
ajbmeb-1131	57	32	cards	card	NOUN
ajbmeb-1131	57	33	in	in	ADP
ajbmeb-1131	57	34	the	the	DET
ajbmeb-1131	57	35	state	state	NOUN
ajbmeb-1131	57	36	of	of	ADP
ajbmeb-1131	57	37	egypt	egypt	PROPN
ajbmeb-1131	57	38	over	over	ADP
ajbmeb-1131	57	39	the	the	DET
ajbmeb-1131	57	40	last	last	ADJ
ajbmeb-1131	57	41	five	five	NUM
ajbmeb-1131	57	42	years	year	NOUN
ajbmeb-1131	57	43	,	,	PUNCT
ajbmeb-1131	57	44	which	which	PRON
ajbmeb-1131	57	45	indicates	indicate	VERB
ajbmeb-1131	57	46	that	that	SCONJ
ajbmeb-1131	57	47	there	there	PRON
ajbmeb-1131	57	48	is	be	VERB
ajbmeb-1131	57	49	interest	interest	NOUN
ajbmeb-1131	57	50	and	and	CCONJ
ajbmeb-1131	57	51	interaction	interaction	NOUN
ajbmeb-1131	57	52	by	by	ADP
ajbmeb-1131	57	53	individuals	individual	NOUN
ajbmeb-1131	57	54	in	in	ADP
ajbmeb-1131	57	55	acquiring	acquire	VERB
ajbmeb-1131	57	56	this	this	DET
ajbmeb-1131	57	57	banking	banking	NOUN
ajbmeb-1131	57	58	service	service	NOUN
ajbmeb-1131	57	59	and	and	CCONJ
ajbmeb-1131	57	60	benefiting	benefit	VERB
ajbmeb-1131	57	61	from	from	ADP
ajbmeb-1131	57	62	it	it	PRON
ajbmeb-1131	57	63	in	in	ADP
ajbmeb-1131	57	64	settling	settle	VERB
ajbmeb-1131	57	65	payments	payment	NOUN
ajbmeb-1131	57	66	instead	instead	ADV
ajbmeb-1131	57	67	of	of	ADP
ajbmeb-1131	57	68	relying	rely	VERB
ajbmeb-1131	57	69	on	on	ADP
ajbmeb-1131	57	70	cash	cash	NOUN
ajbmeb-1131	57	71	currencies	currency	NOUN
ajbmeb-1131	57	72	.	.	PUNCT
ajbmeb-1131	58	1	consequently	consequently	ADV
ajbmeb-1131	58	2	,	,	PUNCT
ajbmeb-1131	58	3	financial	financial	ADJ
ajbmeb-1131	58	4	technology	technology	NOUN
ajbmeb-1131	58	5	has	have	AUX
ajbmeb-1131	58	6	become	become	VERB
ajbmeb-1131	58	7	a	a	DET
ajbmeb-1131	58	8	growing	grow	VERB
ajbmeb-1131	58	9	space	space	NOUN
ajbmeb-1131	58	10	in	in	ADP
ajbmeb-1131	58	11	the	the	DET
ajbmeb-1131	58	12	desires	desire	NOUN
ajbmeb-1131	58	13	of	of	ADP
ajbmeb-1131	58	14	individuals	individual	NOUN
ajbmeb-1131	58	15	to	to	PART
ajbmeb-1131	58	16	benefit	benefit	VERB
ajbmeb-1131	58	17	from	from	ADP
ajbmeb-1131	58	18	it	it	PRON
ajbmeb-1131	58	19	,	,	PUNCT
ajbmeb-1131	58	20	and	and	CCONJ
ajbmeb-1131	58	21	this	this	DET
ajbmeb-1131	58	22	matter	matter	NOUN
ajbmeb-1131	58	23	is	be	AUX
ajbmeb-1131	58	24	of	of	ADP
ajbmeb-1131	58	25	course	course	NOUN
ajbmeb-1131	58	26	beneficial	beneficial	ADJ
ajbmeb-1131	58	27	to	to	ADP
ajbmeb-1131	58	28	the	the	DET
ajbmeb-1131	58	29	local	local	ADJ
ajbmeb-1131	58	30	economy	economy	NOUN
ajbmeb-1131	58	31	by	by	ADP
ajbmeb-1131	58	32	benefiting	benefit	VERB
ajbmeb-1131	58	33	from	from	ADP
ajbmeb-1131	58	34	the	the	DET
ajbmeb-1131	58	35	local	local	ADJ
ajbmeb-1131	58	36	currency	currency	NOUN
ajbmeb-1131	58	37	in	in	ADP
ajbmeb-1131	58	38	financing	finance	VERB
ajbmeb-1131	58	39	medium	medium	ADJ
ajbmeb-1131	58	40	-	-	PUNCT
ajbmeb-1131	58	41	term	term	NOUN
ajbmeb-1131	58	42	investment	investment	NOUN
ajbmeb-1131	58	43	projects	project	NOUN
ajbmeb-1131	58	44	,	,	PUNCT
ajbmeb-1131	58	45	which	which	PRON
ajbmeb-1131	58	46	enhances	enhance	VERB
ajbmeb-1131	58	47	economic	economic	ADJ
ajbmeb-1131	58	48	growth	growth	NOUN
ajbmeb-1131	58	49	and	and	CCONJ
ajbmeb-1131	58	50	thus	thus	ADV
ajbmeb-1131	58	51	is	be	AUX
ajbmeb-1131	58	52	reflected	reflect	VERB
ajbmeb-1131	58	53	in	in	ADP
ajbmeb-1131	58	54	banking	banking	NOUN
ajbmeb-1131	58	55	performance	performance	NOUN
ajbmeb-1131	58	56	.	.	PUNCT
ajbmeb-1131	59	1	the	the	DET
ajbmeb-1131	59	2	number	number	NOUN
ajbmeb-1131	59	3	of	of	ADP
ajbmeb-1131	59	4	cards	card	NOUN
ajbmeb-1131	59	5	issued	issue	VERB
ajbmeb-1131	59	6	,	,	PUNCT
ajbmeb-1131	59	7	according	accord	VERB
ajbmeb-1131	59	8	to	to	ADP
ajbmeb-1131	59	9	the	the	DET
ajbmeb-1131	59	10	central	central	ADJ
ajbmeb-1131	59	11	bank	bank	PROPN
ajbmeb-1131	59	12	of	of	ADP
ajbmeb-1131	59	13	egypt	egypt	PROPN
ajbmeb-1131	59	14	report	report	PROPN
ajbmeb-1131	59	15	,	,	PUNCT
ajbmeb-1131	59	16	has	have	AUX
ajbmeb-1131	59	17	reached	reach	VERB
ajbmeb-1131	59	18	more	more	ADJ
ajbmeb-1131	59	19	than	than	ADP
ajbmeb-1131	59	20	52	52	NUM
ajbmeb-1131	59	21	million	million	NUM
ajbmeb-1131	59	22	cards	card	NOUN
ajbmeb-1131	59	23	,	,	PUNCT
ajbmeb-1131	59	24	and	and	CCONJ
ajbmeb-1131	59	25	this	this	DET
ajbmeb-1131	59	26	number	number	NOUN
ajbmeb-1131	59	27	is	be	AUX
ajbmeb-1131	59	28	likely	likely	ADJ
ajbmeb-1131	59	29	to	to	PART
ajbmeb-1131	59	30	grow	grow	VERB
ajbmeb-1131	59	31	in	in	ADP
ajbmeb-1131	59	32	the	the	DET
ajbmeb-1131	59	33	year	year	NOUN
ajbmeb-1131	59	34	2022	2022	NUM
ajbmeb-1131	59	35	.	.	PUNCT
ajbmeb-1131	60	1	figure	figure	NOUN
ajbmeb-1131	60	2	(	(	PUNCT
ajbmeb-1131	60	3	1	1	NUM
ajbmeb-1131	60	4	)	)	PUNCT
ajbmeb-1131	60	5	evolution	evolution	NOUN
ajbmeb-1131	60	6	of	of	ADP
ajbmeb-1131	60	7	the	the	DET
ajbmeb-1131	60	8	number	number	NOUN
ajbmeb-1131	60	9	of	of	ADP
ajbmeb-1131	60	10	electronic	electronic	ADJ
ajbmeb-1131	60	11	payment	payment	NOUN
ajbmeb-1131	60	12	cards	card	NOUN
ajbmeb-1131	60	13	(	(	PUNCT
ajbmeb-1131	60	14	in	in	ADP
ajbmeb-1131	60	15	millions	million	NOUN
ajbmeb-1131	60	16	(	(	PUNCT
ajbmeb-1131	60	17	source	source	NOUN
ajbmeb-1131	60	18	:	:	PUNCT
ajbmeb-1131	60	19	central	central	ADJ
ajbmeb-1131	60	20	bank	bank	PROPN
ajbmeb-1131	60	21	of	of	ADP
ajbmeb-1131	60	22	egypt	egypt	PROPN
ajbmeb-1131	60	23	,	,	PUNCT
ajbmeb-1131	60	24	financial	financial	ADJ
ajbmeb-1131	60	25	stability	stability	NOUN
ajbmeb-1131	60	26	report	report	NOUN
ajbmeb-1131	60	27	2020	2020	NUM
ajbmeb-1131	60	28	,	,	PUNCT
ajbmeb-1131	60	29	arab	arab	PROPN
ajbmeb-1131	60	30	republic	republic	PROPN
ajbmeb-1131	60	31	of	of	ADP
ajbmeb-1131	60	32	egypt	egypt	PROPN
ajbmeb-1131	60	33	,	,	PUNCT
ajbmeb-1131	60	34	pg	pg	INTJ
ajbmeb-1131	60	35	.	.	PROPN
ajbmeb-1131	60	36	67	67	NUM
ajbmeb-1131	60	37	.	.	PUNCT
ajbmeb-1131	60	38	2.3electronic	2.3electronic	ADJ
ajbmeb-1131	60	39	wallets	wallet	NOUN
ajbmeb-1131	60	40	in	in	ADP
ajbmeb-1131	60	41	a	a	DET
ajbmeb-1131	60	42	bank	bank	NOUN
ajbmeb-1131	60	43	for	for	ADP
ajbmeb-1131	60	44	the	the	DET
ajbmeb-1131	60	45	period	period	NOUN
ajbmeb-1131	60	46	2017	2017	NUM
ajbmeb-1131	60	47	-	-	SYM
ajbmeb-1131	60	48	2021	2021	NUM
ajbmeb-1131	60	49	figure	figure	NOUN
ajbmeb-1131	60	50	(	(	PUNCT
ajbmeb-1131	60	51	2	2	NUM
ajbmeb-1131	60	52	)	)	PUNCT
ajbmeb-1131	60	53	indicates	indicate	VERB
ajbmeb-1131	60	54	the	the	DET
ajbmeb-1131	60	55	size	size	NOUN
ajbmeb-1131	60	56	of	of	ADP
ajbmeb-1131	60	57	the	the	DET
ajbmeb-1131	60	58	electronic	electronic	ADJ
ajbmeb-1131	60	59	wallets	wallet	NOUN
ajbmeb-1131	60	60	used	use	VERB
ajbmeb-1131	60	61	by	by	ADP
ajbmeb-1131	60	62	individuals	individual	NOUN
ajbmeb-1131	60	63	,	,	PUNCT
ajbmeb-1131	60	64	which	which	PRON
ajbmeb-1131	60	65	are	be	AUX
ajbmeb-1131	60	66	used	use	VERB
ajbmeb-1131	60	67	in	in	ADP
ajbmeb-1131	60	68	settling	settle	VERB
ajbmeb-1131	60	69	various	various	ADJ
ajbmeb-1131	60	70	cash	cash	NOUN
ajbmeb-1131	60	71	payments	payment	NOUN
ajbmeb-1131	60	72	,	,	PUNCT
ajbmeb-1131	60	73	as	as	ADV
ajbmeb-1131	60	74	well	well	ADV
ajbmeb-1131	60	75	as	as	ADP
ajbmeb-1131	60	76	making	make	VERB
ajbmeb-1131	60	77	financial	financial	ADJ
ajbmeb-1131	60	78	transfers	transfer	NOUN
ajbmeb-1131	60	79	between	between	ADP
ajbmeb-1131	60	80	individual	individual	ADJ
ajbmeb-1131	60	81	accounts	account	NOUN
ajbmeb-1131	60	82	in	in	ADP
ajbmeb-1131	60	83	these	these	DET
ajbmeb-1131	60	84	wallets	wallet	NOUN
ajbmeb-1131	60	85	,	,	PUNCT
ajbmeb-1131	60	86	which	which	PRON
ajbmeb-1131	60	87	are	be	AUX
ajbmeb-1131	60	88	applied	apply	VERB
ajbmeb-1131	60	89	through	through	ADP
ajbmeb-1131	60	90	smartphones	smartphone	NOUN
ajbmeb-1131	60	91	.	.	PUNCT
ajbmeb-1131	61	1	therefore	therefore	ADV
ajbmeb-1131	61	2	,	,	PUNCT
ajbmeb-1131	61	3	it	it	PRON
ajbmeb-1131	61	4	is	be	AUX
ajbmeb-1131	61	5	also	also	ADV
ajbmeb-1131	61	6	one	one	NUM
ajbmeb-1131	61	7	of	of	ADP
ajbmeb-1131	61	8	the	the	DET
ajbmeb-1131	61	9	innovations	innovation	NOUN
ajbmeb-1131	61	10	of	of	ADP
ajbmeb-1131	61	11	0	0	NUM
ajbmeb-1131	61	12	10000	10000	NUM
ajbmeb-1131	61	13	20000	20000	NUM
ajbmeb-1131	61	14	30000	30000	NUM
ajbmeb-1131	61	15	40000	40000	NUM
ajbmeb-1131	61	16	50000	50000	NUM
ajbmeb-1131	61	17	60000	60000	NUM
ajbmeb-1131	61	18	2017/2018	2017/2018	NUM
ajbmeb-1131	61	19	2018/2019	2018/2019	NUM
ajbmeb-1131	61	20	2019/2020	2019/2020	NUM
ajbmeb-1131	61	21	2020/2021	2020/2021	NUM
ajbmeb-1131	61	22	american	american	ADJ
ajbmeb-1131	61	23	journal	journal	PROPN
ajbmeb-1131	61	24	of	of	ADP
ajbmeb-1131	61	25	business	business	NOUN
ajbmeb-1131	61	26	management	management	NOUN
ajbmeb-1131	61	27	,	,	PUNCT
ajbmeb-1131	61	28	economics	economic	NOUN
ajbmeb-1131	61	29	and	and	CCONJ
ajbmeb-1131	61	30	banking	banking	NOUN
ajbmeb-1131	61	31	volume	volume	NOUN
ajbmeb-1131	61	32	15	15	NUM
ajbmeb-1131	61	33	august	august	PROPN
ajbmeb-1131	61	34	,	,	PUNCT
ajbmeb-1131	61	35	2023	2023	NUM
ajbmeb-1131	61	36	p	p	NOUN
ajbmeb-1131	61	37	a	a	DET
ajbmeb-1131	61	38	g	g	NOUN
ajbmeb-1131	61	39	e	e	NOUN
ajbmeb-1131	61	40	|	|	ADV
ajbmeb-1131	61	41	42	42	NUM
ajbmeb-1131	61	42	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1131	61	43	technology	technology	NOUN
ajbmeb-1131	61	44	that	that	PRON
ajbmeb-1131	61	45	provided	provide	VERB
ajbmeb-1131	61	46	the	the	DET
ajbmeb-1131	61	47	advantage	advantage	NOUN
ajbmeb-1131	61	48	of	of	ADP
ajbmeb-1131	61	49	the	the	DET
ajbmeb-1131	61	50	possibility	possibility	NOUN
ajbmeb-1131	61	51	of	of	ADP
ajbmeb-1131	61	52	purchasing	purchase	VERB
ajbmeb-1131	61	53	and	and	CCONJ
ajbmeb-1131	61	54	transferring	transferring	NOUN
ajbmeb-1131	61	55	in	in	ADP
ajbmeb-1131	61	56	any	any	DET
ajbmeb-1131	61	57	location	location	NOUN
ajbmeb-1131	61	58	without	without	ADP
ajbmeb-1131	61	59	the	the	DET
ajbmeb-1131	61	60	need	need	NOUN
ajbmeb-1131	61	61	to	to	PART
ajbmeb-1131	61	62	carry	carry	VERB
ajbmeb-1131	61	63	money	money	NOUN
ajbmeb-1131	61	64	and	and	CCONJ
ajbmeb-1131	61	65	at	at	ADP
ajbmeb-1131	61	66	any	any	DET
ajbmeb-1131	61	67	time	time	NOUN
ajbmeb-1131	61	68	the	the	DET
ajbmeb-1131	61	69	owner	owner	NOUN
ajbmeb-1131	61	70	of	of	ADP
ajbmeb-1131	61	71	the	the	DET
ajbmeb-1131	61	72	wallet	wallet	NOUN
ajbmeb-1131	61	73	wants	want	VERB
ajbmeb-1131	61	74	.	.	PUNCT
ajbmeb-1131	62	1	one	one	NUM
ajbmeb-1131	62	2	million	million	NUM
ajbmeb-1131	62	3	wallets	wallet	NOUN
ajbmeb-1131	62	4	,	,	PUNCT
ajbmeb-1131	62	5	according	accord	VERB
ajbmeb-1131	62	6	to	to	ADP
ajbmeb-1131	62	7	the	the	DET
ajbmeb-1131	62	8	central	central	ADJ
ajbmeb-1131	62	9	bank	bank	PROPN
ajbmeb-1131	62	10	of	of	ADP
ajbmeb-1131	62	11	egypt	egypt	PROPN
ajbmeb-1131	62	12	report	report	PROPN
ajbmeb-1131	62	13	,	,	PUNCT
ajbmeb-1131	62	14	with	with	ADP
ajbmeb-1131	62	15	a	a	DET
ajbmeb-1131	62	16	growth	growth	NOUN
ajbmeb-1131	62	17	rate	rate	NOUN
ajbmeb-1131	62	18	of	of	ADP
ajbmeb-1131	62	19	26	26	NUM
ajbmeb-1131	62	20	%	%	NOUN
ajbmeb-1131	62	21	compared	compare	VERB
ajbmeb-1131	62	22	to	to	ADP
ajbmeb-1131	62	23	2020	2020	NUM
ajbmeb-1131	62	24	.	.	PUNCT
ajbmeb-1131	63	1	figure	figure	NOUN
ajbmeb-1131	63	2	(	(	PUNCT
ajbmeb-1131	63	3	2	2	NUM
ajbmeb-1131	63	4	)	)	PUNCT
ajbmeb-1131	63	5	e	e	NOUN
ajbmeb-1131	63	6	-	-	NOUN
ajbmeb-1131	63	7	wallets	wallet	NOUN
ajbmeb-1131	63	8	in	in	ADP
ajbmeb-1131	63	9	egypt	egypt	PROPN
ajbmeb-1131	63	10	(	(	PUNCT
ajbmeb-1131	63	11	in	in	ADP
ajbmeb-1131	63	12	millions	million	NOUN
ajbmeb-1131	63	13	)	)	PUNCT
ajbmeb-1131	63	14	source	source	NOUN
ajbmeb-1131	63	15	:	:	PUNCT
ajbmeb-1131	63	16	central	central	ADJ
ajbmeb-1131	63	17	bank	bank	PROPN
ajbmeb-1131	63	18	of	of	ADP
ajbmeb-1131	63	19	egypt	egypt	PROPN
ajbmeb-1131	63	20	,	,	PUNCT
ajbmeb-1131	63	21	financial	financial	ADJ
ajbmeb-1131	63	22	stability	stability	NOUN
ajbmeb-1131	63	23	report	report	NOUN
ajbmeb-1131	63	24	2020	2020	NUM
ajbmeb-1131	63	25	,	,	PUNCT
ajbmeb-1131	63	26	arab	arab	PROPN
ajbmeb-1131	63	27	republic	republic	PROPN
ajbmeb-1131	63	28	of	of	ADP
ajbmeb-1131	63	29	egypt	egypt	PROPN
ajbmeb-1131	63	30	,	,	PUNCT
ajbmeb-1131	63	31	pg	pg	INTJ
ajbmeb-1131	63	32	.	.	PROPN
ajbmeb-1131	63	33	67	67	NUM
ajbmeb-1131	63	34	3	3	NUM
ajbmeb-1131	63	35	.	.	PUNCT
ajbmeb-1131	64	1	the	the	DET
ajbmeb-1131	64	2	development	development	NOUN
ajbmeb-1131	64	3	of	of	ADP
ajbmeb-1131	64	4	financial	financial	ADJ
ajbmeb-1131	64	5	technology	technology	NOUN
ajbmeb-1131	64	6	in	in	ADP
ajbmeb-1131	64	7	the	the	DET
ajbmeb-1131	64	8	state	state	NOUN
ajbmeb-1131	64	9	of	of	ADP
ajbmeb-1131	64	10	kuwait	kuwait	PROPN
ajbmeb-1131	64	11	for	for	ADP
ajbmeb-1131	64	12	the	the	DET
ajbmeb-1131	64	13	period	period	NOUN
ajbmeb-1131	64	14	2017	2017	NUM
ajbmeb-1131	64	15	-	-	SYM
ajbmeb-1131	64	16	2021	2021	NUM
ajbmeb-1131	64	17	local	local	ADJ
ajbmeb-1131	64	18	banks	bank	NOUN
ajbmeb-1131	64	19	in	in	ADP
ajbmeb-1131	64	20	kuwait	kuwait	PROPN
ajbmeb-1131	64	21	started	start	VERB
ajbmeb-1131	64	22	providing	provide	VERB
ajbmeb-1131	64	23	digital	digital	ADJ
ajbmeb-1131	64	24	banking	banking	NOUN
ajbmeb-1131	64	25	services	service	NOUN
ajbmeb-1131	64	26	in	in	ADP
ajbmeb-1131	64	27	1998	1998	NUM
ajbmeb-1131	64	28	,	,	PUNCT
ajbmeb-1131	64	29	and	and	CCONJ
ajbmeb-1131	64	30	their	their	PRON
ajbmeb-1131	64	31	spread	spread	NOUN
ajbmeb-1131	64	32	increased	increase	VERB
ajbmeb-1131	64	33	since	since	SCONJ
ajbmeb-1131	64	34	the	the	DET
ajbmeb-1131	64	35	middle	middle	NOUN
ajbmeb-1131	64	36	of	of	ADP
ajbmeb-1131	64	37	the	the	DET
ajbmeb-1131	64	38	first	first	ADJ
ajbmeb-1131	64	39	decade	decade	NOUN
ajbmeb-1131	64	40	of	of	ADP
ajbmeb-1131	64	41	this	this	DET
ajbmeb-1131	64	42	century	century	NOUN
ajbmeb-1131	64	43	.	.	PUNCT
ajbmeb-1131	65	1	the	the	DET
ajbmeb-1131	65	2	corona	corona	NOUN
ajbmeb-1131	65	3	pandemic	pandemic	NOUN
ajbmeb-1131	65	4	led	lead	VERB
ajbmeb-1131	65	5	to	to	ADP
ajbmeb-1131	65	6	an	an	DET
ajbmeb-1131	65	7	increase	increase	NOUN
ajbmeb-1131	65	8	in	in	ADP
ajbmeb-1131	65	9	the	the	DET
ajbmeb-1131	65	10	local	local	ADJ
ajbmeb-1131	65	11	demand	demand	NOUN
ajbmeb-1131	65	12	for	for	ADP
ajbmeb-1131	65	13	electronic	electronic	ADJ
ajbmeb-1131	65	14	banking	banking	NOUN
ajbmeb-1131	65	15	services	service	NOUN
ajbmeb-1131	65	16	,	,	PUNCT
ajbmeb-1131	65	17	and	and	CCONJ
ajbmeb-1131	65	18	the	the	DET
ajbmeb-1131	65	19	central	central	ADJ
ajbmeb-1131	65	20	bank	bank	PROPN
ajbmeb-1131	65	21	of	of	ADP
ajbmeb-1131	65	22	kuwait	kuwait	PROPN
ajbmeb-1131	65	23	is	be	AUX
ajbmeb-1131	65	24	a	a	DET
ajbmeb-1131	65	25	strong	strong	ADJ
ajbmeb-1131	65	26	supporter	supporter	NOUN
ajbmeb-1131	65	27	of	of	ADP
ajbmeb-1131	65	28	the	the	DET
ajbmeb-1131	65	29	move	move	NOUN
ajbmeb-1131	65	30	towards	towards	ADP
ajbmeb-1131	65	31	digital	digital	ADJ
ajbmeb-1131	65	32	transformation	transformation	NOUN
ajbmeb-1131	65	33	through	through	ADP
ajbmeb-1131	65	34	the	the	DET
ajbmeb-1131	65	35	initiatives	initiative	NOUN
ajbmeb-1131	65	36	it	it	PRON
ajbmeb-1131	65	37	launched	launch	VERB
ajbmeb-1131	65	38	,	,	PUNCT
ajbmeb-1131	65	39	including	include	VERB
ajbmeb-1131	65	40	:	:	PUNCT
ajbmeb-1131	65	41	"	"	PUNCT
ajbmeb-1131	65	42	experimental	experimental	ADJ
ajbmeb-1131	65	43	digital	digital	ADJ
ajbmeb-1131	65	44	environment	environment	NOUN
ajbmeb-1131	65	45	for	for	ADP
ajbmeb-1131	65	46	modern	modern	ADJ
ajbmeb-1131	65	47	financial	financial	ADJ
ajbmeb-1131	65	48	technologies	technology	NOUN
ajbmeb-1131	65	49	,	,	PUNCT
ajbmeb-1131	65	50	kuwait	kuwait	PROPN
ajbmeb-1131	65	51	national	national	ADJ
ajbmeb-1131	65	52	payment	payment	NOUN
ajbmeb-1131	65	53	system	system	NOUN
ajbmeb-1131	65	54	,	,	PUNCT
ajbmeb-1131	65	55	digital	digital	ADJ
ajbmeb-1131	65	56	framework	framework	NOUN
ajbmeb-1131	65	57	for	for	ADP
ajbmeb-1131	65	58	(	(	PUNCT
ajbmeb-1131	65	59	know	know	VERB
ajbmeb-1131	65	60	your	your	PRON
ajbmeb-1131	65	61	customer	customer	NOUN
ajbmeb-1131	65	62	)	)	PUNCT
ajbmeb-1131	65	63	procedure	procedure	NOUN
ajbmeb-1131	65	64	"	"	PUNCT
ajbmeb-1131	65	65	.	.	PUNCT
ajbmeb-1131	66	1	moreover	moreover	ADV
ajbmeb-1131	66	2	,	,	PUNCT
ajbmeb-1131	66	3	within	within	ADP
ajbmeb-1131	66	4	the	the	DET
ajbmeb-1131	66	5	framework	framework	NOUN
ajbmeb-1131	66	6	of	of	ADP
ajbmeb-1131	66	7	the	the	DET
ajbmeb-1131	66	8	central	central	ADJ
ajbmeb-1131	66	9	bank	bank	PROPN
ajbmeb-1131	66	10	of	of	ADP
ajbmeb-1131	66	11	kuwait	kuwait	PROPN
ajbmeb-1131	66	12	's	's	PART
ajbmeb-1131	66	13	efforts	effort	NOUN
ajbmeb-1131	66	14	to	to	PART
ajbmeb-1131	66	15	stimulate	stimulate	VERB
ajbmeb-1131	66	16	innovation	innovation	NOUN
ajbmeb-1131	66	17	and	and	CCONJ
ajbmeb-1131	66	18	provide	provide	VERB
ajbmeb-1131	66	19	the	the	DET
ajbmeb-1131	66	20	best	good	ADJ
ajbmeb-1131	66	21	services	service	NOUN
ajbmeb-1131	66	22	to	to	ADP
ajbmeb-1131	66	23	customers	customer	NOUN
ajbmeb-1131	66	24	,	,	PUNCT
ajbmeb-1131	66	25	a	a	DET
ajbmeb-1131	66	26	digital	digital	ADJ
ajbmeb-1131	66	27	banking	banking	NOUN
ajbmeb-1131	66	28	framework	framework	NOUN
ajbmeb-1131	66	29	has	have	AUX
ajbmeb-1131	66	30	been	be	AUX
ajbmeb-1131	66	31	developed	develop	VERB
ajbmeb-1131	66	32	to	to	PART
ajbmeb-1131	66	33	organize	organize	VERB
ajbmeb-1131	66	34	and	and	CCONJ
ajbmeb-1131	66	35	facilitate	facilitate	VERB
ajbmeb-1131	66	36	digital	digital	ADJ
ajbmeb-1131	66	37	banking	banking	NOUN
ajbmeb-1131	66	38	services	service	NOUN
ajbmeb-1131	66	39	.	.	PUNCT
ajbmeb-1131	67	1	this	this	DET
ajbmeb-1131	67	2	new	new	ADJ
ajbmeb-1131	67	3	framework	framework	NOUN
ajbmeb-1131	67	4	allows	allow	VERB
ajbmeb-1131	67	5	for	for	ADP
ajbmeb-1131	67	6	the	the	DET
ajbmeb-1131	67	7	establishment	establishment	NOUN
ajbmeb-1131	67	8	of	of	ADP
ajbmeb-1131	67	9	stand	stand	VERB
ajbmeb-1131	67	10	-	-	PUNCT
ajbmeb-1131	67	11	alone	alone	ADV
ajbmeb-1131	67	12	digital	digital	ADJ
ajbmeb-1131	67	13	banks	bank	NOUN
ajbmeb-1131	67	14	according	accord	VERB
ajbmeb-1131	67	15	to	to	ADP
ajbmeb-1131	67	16	three	three	NUM
ajbmeb-1131	67	17	models	model	NOUN
ajbmeb-1131	67	18	,	,	PUNCT
ajbmeb-1131	67	19	which	which	PRON
ajbmeb-1131	67	20	are	be	AUX
ajbmeb-1131	67	21	as	as	SCONJ
ajbmeb-1131	67	22	follows	follow	VERB
ajbmeb-1131	67	23	(	(	PUNCT
ajbmeb-1131	67	24	central	central	ADJ
ajbmeb-1131	67	25	bank	bank	NOUN
ajbmeb-1131	67	26	of	of	ADP
ajbmeb-1131	67	27	kuwait	kuwait	PROPN
ajbmeb-1131	67	28	,	,	PUNCT
ajbmeb-1131	67	29	94	94	NUM
ajbmeb-1131	67	30	-	-	SYM
ajbmeb-1131	67	31	92	92	NUM
ajbmeb-1131	67	32	,	,	PUNCT
ajbmeb-1131	67	33	2021	2021	NUM
ajbmeb-1131	67	34	):	):	PUNCT
ajbmeb-1131	67	35	•	•	NUM
ajbmeb-1131	67	36	digital	digital	ADJ
ajbmeb-1131	67	37	banking	banking	NOUN
ajbmeb-1131	67	38	unit	unit	NOUN
ajbmeb-1131	67	39	:	:	PUNCT
ajbmeb-1131	67	40	it	it	PRON
ajbmeb-1131	67	41	is	be	AUX
ajbmeb-1131	67	42	a	a	DET
ajbmeb-1131	67	43	digital	digital	ADJ
ajbmeb-1131	67	44	banking	banking	NOUN
ajbmeb-1131	67	45	business	business	NOUN
ajbmeb-1131	67	46	unit	unit	NOUN
ajbmeb-1131	67	47	within	within	ADP
ajbmeb-1131	67	48	an	an	DET
ajbmeb-1131	67	49	existing	exist	VERB
ajbmeb-1131	67	50	bank	bank	NOUN
ajbmeb-1131	67	51	with	with	ADP
ajbmeb-1131	67	52	which	which	PRON
ajbmeb-1131	67	53	it	it	PRON
ajbmeb-1131	67	54	shares	share	VERB
ajbmeb-1131	67	55	the	the	DET
ajbmeb-1131	67	56	balance	balance	NOUN
ajbmeb-1131	67	57	sheet	sheet	NOUN
ajbmeb-1131	67	58	,	,	PUNCT
ajbmeb-1131	67	59	but	but	CCONJ
ajbmeb-1131	67	60	under	under	ADP
ajbmeb-1131	67	61	a	a	DET
ajbmeb-1131	67	62	different	different	ADJ
ajbmeb-1131	67	63	brand	brand	NOUN
ajbmeb-1131	67	64	,	,	PUNCT
ajbmeb-1131	67	65	and	and	CCONJ
ajbmeb-1131	67	66	these	these	DET
ajbmeb-1131	67	67	units	unit	NOUN
ajbmeb-1131	67	68	or	or	CCONJ
ajbmeb-1131	67	69	digital	digital	ADJ
ajbmeb-1131	67	70	windows	window	NOUN
ajbmeb-1131	67	71	are	be	AUX
ajbmeb-1131	67	72	physically	physically	ADV
ajbmeb-1131	67	73	present	present	ADJ
ajbmeb-1131	67	74	locally	locally	ADV
ajbmeb-1131	67	75	.	.	PUNCT
ajbmeb-1131	68	1	it	it	PRON
ajbmeb-1131	68	2	is	be	AUX
ajbmeb-1131	68	3	part	part	NOUN
ajbmeb-1131	68	4	of	of	ADP
ajbmeb-1131	68	5	two	two	NUM
ajbmeb-1131	68	6	initiatives	initiative	NOUN
ajbmeb-1131	68	7	,	,	PUNCT
ajbmeb-1131	68	8	one	one	NUM
ajbmeb-1131	68	9	of	of	ADP
ajbmeb-1131	68	10	which	which	PRON
ajbmeb-1131	68	11	targets	target	VERB
ajbmeb-1131	68	12	the	the	DET
ajbmeb-1131	68	13	youth	youth	NOUN
ajbmeb-1131	68	14	segment	segment	NOUN
ajbmeb-1131	68	15	,	,	PUNCT
ajbmeb-1131	68	16	and	and	CCONJ
ajbmeb-1131	68	17	the	the	DET
ajbmeb-1131	68	18	other	other	ADJ
ajbmeb-1131	68	19	targets	target	NOUN
ajbmeb-1131	68	20	individuals	individual	NOUN
ajbmeb-1131	68	21	who	who	PRON
ajbmeb-1131	68	22	do	do	AUX
ajbmeb-1131	68	23	not	not	PART
ajbmeb-1131	68	24	deal	deal	VERB
ajbmeb-1131	68	25	with	with	ADP
ajbmeb-1131	68	26	banks	bank	NOUN
ajbmeb-1131	68	27	.	.	PUNCT
ajbmeb-1131	69	1	•	•	NUM
ajbmeb-1131	69	2	banking	banking	NOUN
ajbmeb-1131	69	3	as	as	ADP
ajbmeb-1131	69	4	a	a	DET
ajbmeb-1131	69	5	service	service	NOUN
ajbmeb-1131	69	6	:	:	PUNCT
ajbmeb-1131	69	7	it	it	PRON
ajbmeb-1131	69	8	is	be	AUX
ajbmeb-1131	69	9	a	a	DET
ajbmeb-1131	69	10	partnership	partnership	NOUN
ajbmeb-1131	69	11	(	(	PUNCT
ajbmeb-1131	69	12	between	between	ADP
ajbmeb-1131	69	13	a	a	DET
ajbmeb-1131	69	14	licensed	licensed	ADJ
ajbmeb-1131	69	15	bank	bank	NOUN
ajbmeb-1131	69	16	and	and	CCONJ
ajbmeb-1131	69	17	other	other	ADJ
ajbmeb-1131	69	18	participants	participant	NOUN
ajbmeb-1131	69	19	)	)	PUNCT
ajbmeb-1131	69	20	in	in	ADP
ajbmeb-1131	69	21	the	the	DET
ajbmeb-1131	69	22	digital	digital	ADJ
ajbmeb-1131	69	23	field	field	NOUN
ajbmeb-1131	69	24	,	,	PUNCT
ajbmeb-1131	69	25	and	and	CCONJ
ajbmeb-1131	69	26	it	it	PRON
ajbmeb-1131	69	27	is	be	AUX
ajbmeb-1131	69	28	like	like	ADP
ajbmeb-1131	69	29	an	an	DET
ajbmeb-1131	69	30	agreement	agreement	NOUN
ajbmeb-1131	69	31	for	for	ADP
ajbmeb-1131	69	32	outsourcing	outsource	VERB
ajbmeb-1131	69	33	whereby	whereby	SCONJ
ajbmeb-1131	69	34	the	the	DET
ajbmeb-1131	69	35	other	other	ADJ
ajbmeb-1131	69	36	party	party	NOUN
ajbmeb-1131	69	37	provides	provide	VERB
ajbmeb-1131	69	38	banking	banking	NOUN
ajbmeb-1131	69	39	services	service	NOUN
ajbmeb-1131	69	40	to	to	ADP
ajbmeb-1131	69	41	customers	customer	NOUN
ajbmeb-1131	69	42	through	through	ADP
ajbmeb-1131	69	43	the	the	DET
ajbmeb-1131	69	44	bank	bank	NOUN
ajbmeb-1131	69	45	without	without	ADP
ajbmeb-1131	69	46	the	the	DET
ajbmeb-1131	69	47	need	need	NOUN
ajbmeb-1131	69	48	to	to	PART
ajbmeb-1131	69	49	enter	enter	VERB
ajbmeb-1131	69	50	into	into	ADP
ajbmeb-1131	69	51	lengthy	lengthy	ADJ
ajbmeb-1131	69	52	and	and	CCONJ
ajbmeb-1131	69	53	costly	costly	ADJ
ajbmeb-1131	69	54	procedures	procedure	NOUN
ajbmeb-1131	69	55	,	,	PUNCT
ajbmeb-1131	69	56	to	to	PART
ajbmeb-1131	69	57	obtain	obtain	VERB
ajbmeb-1131	69	58	a	a	DET
ajbmeb-1131	69	59	license	license	NOUN
ajbmeb-1131	69	60	to	to	PART
ajbmeb-1131	69	61	open	open	VERB
ajbmeb-1131	69	62	a	a	DET
ajbmeb-1131	69	63	bank	bank	NOUN
ajbmeb-1131	69	64	,	,	PUNCT
ajbmeb-1131	69	65	customers	customer	NOUN
ajbmeb-1131	69	66	benefit	benefit	VERB
ajbmeb-1131	69	67	from	from	ADP
ajbmeb-1131	69	68	this	this	DET
ajbmeb-1131	69	69	type	type	NOUN
ajbmeb-1131	69	70	of	of	ADP
ajbmeb-1131	69	71	bank	bank	NOUN
ajbmeb-1131	69	72	by	by	ADP
ajbmeb-1131	69	73	obtaining	obtain	VERB
ajbmeb-1131	69	74	innovative	innovative	ADJ
ajbmeb-1131	69	75	financial	financial	ADJ
ajbmeb-1131	69	76	services	service	NOUN
ajbmeb-1131	69	77	at	at	ADP
ajbmeb-1131	69	78	lower	low	ADJ
ajbmeb-1131	69	79	costs	cost	NOUN
ajbmeb-1131	69	80	.	.	PUNCT
ajbmeb-1131	70	1	•	•	NUM
ajbmeb-1131	70	2	a	a	DET
ajbmeb-1131	70	3	digital	digital	ADJ
ajbmeb-1131	70	4	and	and	CCONJ
ajbmeb-1131	70	5	independent	independent	ADJ
ajbmeb-1131	70	6	bank	bank	NOUN
ajbmeb-1131	70	7	:	:	PUNCT
ajbmeb-1131	70	8	this	this	DET
ajbmeb-1131	70	9	point	point	NOUN
ajbmeb-1131	70	10	is	be	AUX
ajbmeb-1131	70	11	a	a	DET
ajbmeb-1131	70	12	new	new	ADJ
ajbmeb-1131	70	13	addition	addition	NOUN
ajbmeb-1131	70	14	to	to	ADP
ajbmeb-1131	70	15	the	the	DET
ajbmeb-1131	70	16	local	local	ADJ
ajbmeb-1131	70	17	banking	banking	NOUN
ajbmeb-1131	70	18	sector	sector	NOUN
ajbmeb-1131	70	19	,	,	PUNCT
ajbmeb-1131	70	20	as	as	SCONJ
ajbmeb-1131	70	21	a	a	DET
ajbmeb-1131	70	22	fully	fully	ADV
ajbmeb-1131	70	23	independent	independent	ADJ
ajbmeb-1131	70	24	digital	digital	ADJ
ajbmeb-1131	70	25	bank	bank	NOUN
ajbmeb-1131	70	26	was	be	AUX
ajbmeb-1131	70	27	established	establish	VERB
ajbmeb-1131	70	28	without	without	ADP
ajbmeb-1131	70	29	the	the	DET
ajbmeb-1131	70	30	need	need	NOUN
ajbmeb-1131	70	31	for	for	ADP
ajbmeb-1131	70	32	a	a	DET
ajbmeb-1131	70	33	traditional	traditional	ADJ
ajbmeb-1131	70	34	entity	entity	NOUN
ajbmeb-1131	70	35	before	before	ADP
ajbmeb-1131	70	36	it	it	PRON
ajbmeb-1131	70	37	.	.	PUNCT
ajbmeb-1131	71	1	an	an	DET
ajbmeb-1131	71	2	independent	independent	ADJ
ajbmeb-1131	71	3	digital	digital	ADJ
ajbmeb-1131	71	4	bank	bank	NOUN
ajbmeb-1131	71	5	usually	usually	ADV
ajbmeb-1131	71	6	operates	operate	VERB
ajbmeb-1131	71	7	under	under	ADP
ajbmeb-1131	71	8	a	a	DET
ajbmeb-1131	71	9	general	general	ADJ
ajbmeb-1131	71	10	bank	bank	NOUN
ajbmeb-1131	71	11	license	license	NOUN
ajbmeb-1131	71	12	and	and	CCONJ
ajbmeb-1131	71	13	provides	provide	VERB
ajbmeb-1131	71	14	complete	complete	ADJ
ajbmeb-1131	71	15	digital	digital	ADJ
ajbmeb-1131	71	16	services	service	NOUN
ajbmeb-1131	71	17	that	that	PRON
ajbmeb-1131	71	18	are	be	AUX
ajbmeb-1131	71	19	mostly	mostly	ADV
ajbmeb-1131	71	20	based	base	VERB
ajbmeb-1131	71	21	on	on	ADP
ajbmeb-1131	71	22	cloud	cloud	NOUN
ajbmeb-1131	71	23	systems	system	NOUN
ajbmeb-1131	71	24	.	.	PUNCT
ajbmeb-1131	72	1	7	7	NUM
ajbmeb-1131	72	2	.8	.8	NUM
ajbmeb-1131	72	3	5	5	NUM
ajbmeb-1131	72	4	1	1	NUM
ajbmeb-1131	72	5	0	0	NUM
ajbmeb-1131	72	6	.7	.7	NUM
ajbmeb-1131	72	7	1	1	NUM
ajbmeb-1131	72	8	3	3	NUM
ajbmeb-1131	72	9	.1	.1	NUM
ajbmeb-1131	72	10	4	4	NUM
ajbmeb-1131	72	11	1	1	NUM
ajbmeb-1131	72	12	8	8	NUM
ajbmeb-1131	72	13	.4	.4	NUM
ajbmeb-1131	72	14	2	2	NUM
ajbmeb-1131	72	15	3	3	NUM
ajbmeb-1131	72	16	.1	.1	NUM
ajbmeb-1131	72	17	7	7	NUM
ajbmeb-1131	72	18	2	2	NUM
ajbmeb-1131	72	19	0	0	NUM
ajbmeb-1131	72	20	1	1	NUM
ajbmeb-1131	72	21	7	7	NUM
ajbmeb-1131	72	22	2	2	NUM
ajbmeb-1131	72	23	0	0	NUM
ajbmeb-1131	72	24	1	1	NUM
ajbmeb-1131	72	25	8	8	NUM
ajbmeb-1131	72	26	2	2	NUM
ajbmeb-1131	72	27	0	0	NUM
ajbmeb-1131	72	28	1	1	NUM
ajbmeb-1131	72	29	9	9	NUM
ajbmeb-1131	72	30	2	2	NUM
ajbmeb-1131	72	31	0	0	NUM
ajbmeb-1131	72	32	2	2	NUM
ajbmeb-1131	72	33	0	0	NUM
ajbmeb-1131	72	34	2	2	NUM
ajbmeb-1131	72	35	0	0	NUM
ajbmeb-1131	72	36	2	2	NUM
ajbmeb-1131	72	37	1	1	NUM
ajbmeb-1131	72	38	american	american	ADJ
ajbmeb-1131	72	39	journal	journal	PROPN
ajbmeb-1131	72	40	of	of	ADP
ajbmeb-1131	72	41	business	business	NOUN
ajbmeb-1131	72	42	management	management	NOUN
ajbmeb-1131	72	43	,	,	PUNCT
ajbmeb-1131	72	44	economics	economic	NOUN
ajbmeb-1131	72	45	and	and	CCONJ
ajbmeb-1131	72	46	banking	banking	NOUN
ajbmeb-1131	72	47	volume	volume	NOUN
ajbmeb-1131	72	48	15	15	NUM
ajbmeb-1131	72	49	august	august	PROPN
ajbmeb-1131	72	50	,	,	PUNCT
ajbmeb-1131	72	51	2023	2023	NUM
ajbmeb-1131	72	52	p	p	NOUN
ajbmeb-1131	72	53	a	a	DET
ajbmeb-1131	72	54	g	g	NOUN
ajbmeb-1131	72	55	e	e	NOUN
ajbmeb-1131	72	56	|	|	ADV
ajbmeb-1131	72	57	43	43	NUM
ajbmeb-1131	72	58	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1131	72	59	3.1paper	3.1paper	NUM
ajbmeb-1131	72	60	and	and	CCONJ
ajbmeb-1131	72	61	electronic	electronic	ADJ
ajbmeb-1131	72	62	transactions	transaction	NOUN
ajbmeb-1131	72	63	and	and	CCONJ
ajbmeb-1131	72	64	electronic	electronic	ADJ
ajbmeb-1131	72	65	payments	payment	NOUN
ajbmeb-1131	72	66	in	in	ADP
ajbmeb-1131	72	67	kuwait	kuwait	PROPN
ajbmeb-1131	72	68	figure	figure	NOUN
ajbmeb-1131	72	69	(	(	PUNCT
ajbmeb-1131	72	70	3	3	NUM
ajbmeb-1131	72	71	)	)	PUNCT
ajbmeb-1131	72	72	,	,	PUNCT
ajbmeb-1131	72	73	shows	show	VERB
ajbmeb-1131	72	74	two	two	NUM
ajbmeb-1131	72	75	forms	form	NOUN
ajbmeb-1131	72	76	,	,	PUNCT
ajbmeb-1131	72	77	the	the	DET
ajbmeb-1131	72	78	first	first	ADJ
ajbmeb-1131	72	79	figure	figure	NOUN
ajbmeb-1131	72	80	refers	refer	VERB
ajbmeb-1131	72	81	to	to	ADP
ajbmeb-1131	72	82	the	the	DET
ajbmeb-1131	72	83	comparison	comparison	NOUN
ajbmeb-1131	72	84	between	between	ADP
ajbmeb-1131	72	85	paper	paper	NOUN
ajbmeb-1131	72	86	transactions	transaction	NOUN
ajbmeb-1131	72	87	and	and	CCONJ
ajbmeb-1131	72	88	electronic	electronic	ADJ
ajbmeb-1131	72	89	transactions	transaction	NOUN
ajbmeb-1131	72	90	,	,	PUNCT
ajbmeb-1131	72	91	as	as	SCONJ
ajbmeb-1131	72	92	it	it	PRON
ajbmeb-1131	72	93	is	be	AUX
ajbmeb-1131	72	94	clear	clear	ADJ
ajbmeb-1131	72	95	that	that	SCONJ
ajbmeb-1131	72	96	there	there	PRON
ajbmeb-1131	72	97	is	be	VERB
ajbmeb-1131	72	98	a	a	DET
ajbmeb-1131	72	99	big	big	ADJ
ajbmeb-1131	72	100	difference	difference	NOUN
ajbmeb-1131	72	101	in	in	ADP
ajbmeb-1131	72	102	the	the	DET
ajbmeb-1131	72	103	volume	volume	NOUN
ajbmeb-1131	72	104	of	of	ADP
ajbmeb-1131	72	105	electronic	electronic	ADJ
ajbmeb-1131	72	106	transactions	transaction	NOUN
ajbmeb-1131	72	107	compared	compare	VERB
ajbmeb-1131	72	108	to	to	ADP
ajbmeb-1131	72	109	paper	paper	NOUN
ajbmeb-1131	72	110	transactions	transaction	NOUN
ajbmeb-1131	72	111	over	over	ADP
ajbmeb-1131	72	112	the	the	DET
ajbmeb-1131	72	113	five	five	NUM
ajbmeb-1131	72	114	years	year	NOUN
ajbmeb-1131	72	115	.	.	PUNCT
ajbmeb-1131	73	1	this	this	PRON
ajbmeb-1131	73	2	indicates	indicate	VERB
ajbmeb-1131	73	3	that	that	SCONJ
ajbmeb-1131	73	4	kuwait	kuwait	PROPN
ajbmeb-1131	73	5	is	be	AUX
ajbmeb-1131	73	6	moving	move	VERB
ajbmeb-1131	73	7	towards	towards	ADP
ajbmeb-1131	73	8	a	a	DET
ajbmeb-1131	73	9	complete	complete	ADJ
ajbmeb-1131	73	10	shift	shift	NOUN
ajbmeb-1131	73	11	towards	towards	ADP
ajbmeb-1131	73	12	electronic	electronic	ADJ
ajbmeb-1131	73	13	dealing	dealing	NOUN
ajbmeb-1131	73	14	in	in	ADP
ajbmeb-1131	73	15	all	all	DET
ajbmeb-1131	73	16	payment	payment	NOUN
ajbmeb-1131	73	17	,	,	PUNCT
ajbmeb-1131	73	18	purchase	purchase	NOUN
ajbmeb-1131	73	19	,	,	PUNCT
ajbmeb-1131	73	20	and	and	CCONJ
ajbmeb-1131	73	21	transfer	transfer	NOUN
ajbmeb-1131	73	22	operations	operation	NOUN
ajbmeb-1131	73	23	,	,	PUNCT
ajbmeb-1131	73	24	not	not	PART
ajbmeb-1131	73	25	promoting	promote	VERB
ajbmeb-1131	73	26	paper	paper	NOUN
ajbmeb-1131	73	27	handling	handling	NOUN
ajbmeb-1131	73	28	.	.	PUNCT
ajbmeb-1131	74	1	as	as	SCONJ
ajbmeb-1131	74	2	the	the	DET
ajbmeb-1131	74	3	central	central	ADJ
ajbmeb-1131	74	4	bank	bank	PROPN
ajbmeb-1131	74	5	of	of	ADP
ajbmeb-1131	74	6	kuwait	kuwait	PROPN
ajbmeb-1131	74	7	report	report	NOUN
ajbmeb-1131	74	8	indicates	indicate	VERB
ajbmeb-1131	74	9	that	that	SCONJ
ajbmeb-1131	74	10	the	the	DET
ajbmeb-1131	74	11	year	year	NOUN
ajbmeb-1131	74	12	2021	2021	NUM
ajbmeb-1131	74	13	witnessed	witness	VERB
ajbmeb-1131	74	14	a	a	DET
ajbmeb-1131	74	15	significant	significant	ADJ
ajbmeb-1131	74	16	increase	increase	NOUN
ajbmeb-1131	74	17	in	in	ADP
ajbmeb-1131	74	18	the	the	DET
ajbmeb-1131	74	19	available	available	ADJ
ajbmeb-1131	74	20	electronic	electronic	ADJ
ajbmeb-1131	74	21	payment	payment	NOUN
ajbmeb-1131	74	22	methods	method	NOUN
ajbmeb-1131	74	23	,	,	PUNCT
ajbmeb-1131	74	24	while	while	SCONJ
ajbmeb-1131	74	25	the	the	DET
ajbmeb-1131	74	26	number	number	NOUN
ajbmeb-1131	74	27	of	of	ADP
ajbmeb-1131	74	28	bank	bank	NOUN
ajbmeb-1131	74	29	branches	branch	NOUN
ajbmeb-1131	74	30	remained	remain	VERB
ajbmeb-1131	74	31	unchanged	unchanged	ADJ
ajbmeb-1131	74	32	.	.	PUNCT
ajbmeb-1131	75	1	this	this	DET
ajbmeb-1131	75	2	increase	increase	NOUN
ajbmeb-1131	75	3	in	in	ADP
ajbmeb-1131	75	4	electronic	electronic	ADJ
ajbmeb-1131	75	5	payment	payment	NOUN
ajbmeb-1131	75	6	processes	process	NOUN
ajbmeb-1131	75	7	considered	consider	VERB
ajbmeb-1131	75	8	consumers	consumer	NOUN
ajbmeb-1131	75	9	'	'	PART
ajbmeb-1131	75	10	preference	preference	NOUN
ajbmeb-1131	75	11	to	to	PART
ajbmeb-1131	75	12	use	use	VERB
ajbmeb-1131	75	13	these	these	DET
ajbmeb-1131	75	14	immediate	immediate	ADJ
ajbmeb-1131	75	15	and	and	CCONJ
ajbmeb-1131	75	16	easy	easy	ADJ
ajbmeb-1131	75	17	means	mean	NOUN
ajbmeb-1131	75	18	of	of	ADP
ajbmeb-1131	75	19	payment	payment	NOUN
ajbmeb-1131	75	20	processes	process	NOUN
ajbmeb-1131	75	21	,	,	PUNCT
ajbmeb-1131	75	22	which	which	PRON
ajbmeb-1131	75	23	indicates	indicate	VERB
ajbmeb-1131	75	24	the	the	DET
ajbmeb-1131	75	25	process	process	NOUN
ajbmeb-1131	75	26	of	of	ADP
ajbmeb-1131	75	27	digital	digital	ADJ
ajbmeb-1131	75	28	transformation	transformation	NOUN
ajbmeb-1131	75	29	soon	soon	ADV
ajbmeb-1131	75	30	in	in	ADP
ajbmeb-1131	75	31	general	general	ADJ
ajbmeb-1131	75	32	by	by	ADP
ajbmeb-1131	75	33	consumers	consumer	NOUN
ajbmeb-1131	75	34	.	.	PUNCT
ajbmeb-1131	76	1	thus	thus	ADV
ajbmeb-1131	76	2	,	,	PUNCT
ajbmeb-1131	76	3	expanding	expand	VERB
ajbmeb-1131	76	4	digital	digital	ADJ
ajbmeb-1131	76	5	automation	automation	NOUN
ajbmeb-1131	76	6	operations	operation	NOUN
ajbmeb-1131	76	7	and	and	CCONJ
ajbmeb-1131	76	8	transforming	transform	VERB
ajbmeb-1131	76	9	all	all	DET
ajbmeb-1131	76	10	bank	bank	NOUN
ajbmeb-1131	76	11	transactions	transaction	NOUN
ajbmeb-1131	76	12	into	into	ADP
ajbmeb-1131	76	13	electronic	electronic	ADJ
ajbmeb-1131	76	14	transactions	transaction	NOUN
ajbmeb-1131	76	15	,	,	PUNCT
ajbmeb-1131	76	16	with	with	ADP
ajbmeb-1131	76	17	the	the	DET
ajbmeb-1131	76	18	help	help	NOUN
ajbmeb-1131	76	19	of	of	ADP
ajbmeb-1131	76	20	financial	financial	ADJ
ajbmeb-1131	76	21	technology	technology	NOUN
ajbmeb-1131	76	22	.	.	PUNCT
ajbmeb-1131	77	1	figure	figure	NOUN
ajbmeb-1131	77	2	(	(	PUNCT
ajbmeb-1131	77	3	3	3	NUM
ajbmeb-1131	77	4	)	)	PUNCT
ajbmeb-1131	77	5	paper	paper	NOUN
ajbmeb-1131	77	6	transactions	transaction	NOUN
ajbmeb-1131	77	7	compared	compare	VERB
ajbmeb-1131	77	8	to	to	ADP
ajbmeb-1131	77	9	electronic	electronic	ADJ
ajbmeb-1131	77	10	payments	payment	NOUN
ajbmeb-1131	77	11	source	source	NOUN
ajbmeb-1131	77	12	:	:	PUNCT
ajbmeb-1131	77	13	financial	financial	ADJ
ajbmeb-1131	77	14	stability	stability	NOUN
ajbmeb-1131	77	15	report	report	NOUN
ajbmeb-1131	77	16	,	,	PUNCT
ajbmeb-1131	77	17	central	central	ADJ
ajbmeb-1131	77	18	bank	bank	PROPN
ajbmeb-1131	77	19	of	of	ADP
ajbmeb-1131	77	20	kuwait	kuwait	PROPN
ajbmeb-1131	77	21	,	,	PUNCT
ajbmeb-1131	77	22	kuwait	kuwait	PROPN
ajbmeb-1131	77	23	,	,	PUNCT
ajbmeb-1131	77	24	2021	2021	NUM
ajbmeb-1131	77	25	,	,	PUNCT
ajbmeb-1131	77	26	p.	p.	NOUN
ajbmeb-1131	77	27	88	88	NUM
ajbmeb-1131	77	28	.	.	PUNCT
ajbmeb-1131	78	1	as	as	ADP
ajbmeb-1131	78	2	for	for	ADP
ajbmeb-1131	78	3	the	the	DET
ajbmeb-1131	78	4	other	other	ADJ
ajbmeb-1131	78	5	form	form	NOUN
ajbmeb-1131	78	6	,	,	PUNCT
ajbmeb-1131	78	7	which	which	PRON
ajbmeb-1131	78	8	refers	refer	VERB
ajbmeb-1131	78	9	to	to	ADP
ajbmeb-1131	78	10	the	the	DET
ajbmeb-1131	78	11	volume	volume	NOUN
ajbmeb-1131	78	12	of	of	ADP
ajbmeb-1131	78	13	electronic	electronic	ADJ
ajbmeb-1131	78	14	payment	payment	NOUN
ajbmeb-1131	78	15	,	,	PUNCT
ajbmeb-1131	78	16	it	it	PRON
ajbmeb-1131	78	17	is	be	AUX
ajbmeb-1131	78	18	very	very	ADV
ajbmeb-1131	78	19	clear	clear	ADJ
ajbmeb-1131	78	20	that	that	SCONJ
ajbmeb-1131	78	21	it	it	PRON
ajbmeb-1131	78	22	is	be	AUX
ajbmeb-1131	78	23	much	much	ADV
ajbmeb-1131	78	24	larger	large	ADJ
ajbmeb-1131	78	25	than	than	ADP
ajbmeb-1131	78	26	the	the	DET
ajbmeb-1131	78	27	paper	paper	NOUN
ajbmeb-1131	78	28	dealings	dealing	NOUN
ajbmeb-1131	78	29	resulting	result	VERB
ajbmeb-1131	78	30	from	from	ADP
ajbmeb-1131	78	31	cash	cash	NOUN
ajbmeb-1131	78	32	withdrawals	withdrawal	NOUN
ajbmeb-1131	78	33	from	from	ADP
ajbmeb-1131	78	34	atms	atms	PROPN
ajbmeb-1131	78	35	,	,	PUNCT
ajbmeb-1131	78	36	which	which	PRON
ajbmeb-1131	78	37	have	have	AUX
ajbmeb-1131	78	38	become	become	VERB
ajbmeb-1131	78	39	traditional	traditional	ADJ
ajbmeb-1131	78	40	and	and	CCONJ
ajbmeb-1131	78	41	non	non	ADJ
ajbmeb-1131	78	42	-	-	ADJ
ajbmeb-1131	78	43	modern	modern	ADJ
ajbmeb-1131	78	44	services	service	NOUN
ajbmeb-1131	78	45	.	.	PUNCT
ajbmeb-1131	79	1	financial	financial	ADJ
ajbmeb-1131	79	2	technology	technology	NOUN
ajbmeb-1131	79	3	has	have	AUX
ajbmeb-1131	79	4	promoted	promote	VERB
ajbmeb-1131	79	5	the	the	DET
ajbmeb-1131	79	6	provision	provision	NOUN
ajbmeb-1131	79	7	of	of	ADP
ajbmeb-1131	79	8	an	an	DET
ajbmeb-1131	79	9	electronic	electronic	ADJ
ajbmeb-1131	79	10	payment	payment	NOUN
ajbmeb-1131	79	11	mechanism	mechanism	NOUN
ajbmeb-1131	79	12	through	through	ADP
ajbmeb-1131	79	13	accounts	account	NOUN
ajbmeb-1131	79	14	and	and	CCONJ
ajbmeb-1131	79	15	electronic	electronic	ADJ
ajbmeb-1131	79	16	wallets	wallet	NOUN
ajbmeb-1131	79	17	without	without	ADP
ajbmeb-1131	79	18	the	the	DET
ajbmeb-1131	79	19	need	need	NOUN
ajbmeb-1131	79	20	for	for	ADP
ajbmeb-1131	79	21	plastic	plastic	ADJ
ajbmeb-1131	79	22	cards	card	NOUN
ajbmeb-1131	79	23	.	.	PUNCT
ajbmeb-1131	80	1	the	the	DET
ajbmeb-1131	80	2	second	second	ADJ
ajbmeb-1131	80	3	figure	figure	NOUN
ajbmeb-1131	80	4	shows	show	VERB
ajbmeb-1131	80	5	that	that	SCONJ
ajbmeb-1131	80	6	there	there	PRON
ajbmeb-1131	80	7	has	have	AUX
ajbmeb-1131	80	8	been	be	AUX
ajbmeb-1131	80	9	a	a	DET
ajbmeb-1131	80	10	growth	growth	NOUN
ajbmeb-1131	80	11	over	over	ADP
ajbmeb-1131	80	12	the	the	DET
ajbmeb-1131	80	13	five	five	NUM
ajbmeb-1131	80	14	years	year	NOUN
ajbmeb-1131	80	15	,	,	PUNCT
ajbmeb-1131	80	16	up	up	ADP
ajbmeb-1131	80	17	to	to	ADP
ajbmeb-1131	80	18	the	the	DET
ajbmeb-1131	80	19	fifth	fifth	ADJ
ajbmeb-1131	80	20	year	year	NOUN
ajbmeb-1131	80	21	,	,	PUNCT
ajbmeb-1131	80	22	which	which	PRON
ajbmeb-1131	80	23	witnessed	witness	VERB
ajbmeb-1131	80	24	a	a	DET
ajbmeb-1131	80	25	growth	growth	NOUN
ajbmeb-1131	80	26	of	of	ADP
ajbmeb-1131	80	27	49	49	NUM
ajbmeb-1131	80	28	%	%	NOUN
ajbmeb-1131	80	29	compared	compare	VERB
ajbmeb-1131	80	30	to	to	ADP
ajbmeb-1131	80	31	other	other	ADJ
ajbmeb-1131	80	32	years	year	NOUN
ajbmeb-1131	80	33	,	,	PUNCT
ajbmeb-1131	80	34	and	and	CCONJ
ajbmeb-1131	80	35	electronic	electronic	ADJ
ajbmeb-1131	80	36	dealings	dealing	NOUN
ajbmeb-1131	80	37	accounted	account	VERB
ajbmeb-1131	80	38	for	for	ADP
ajbmeb-1131	80	39	34	34	NUM
ajbmeb-1131	80	40	%	%	NOUN
ajbmeb-1131	80	41	,	,	PUNCT
ajbmeb-1131	80	42	this	this	PRON
ajbmeb-1131	80	43	is	be	AUX
ajbmeb-1131	80	44	according	accord	VERB
ajbmeb-1131	80	45	to	to	ADP
ajbmeb-1131	80	46	the	the	DET
ajbmeb-1131	80	47	central	central	ADJ
ajbmeb-1131	80	48	bank	bank	PROPN
ajbmeb-1131	80	49	of	of	ADP
ajbmeb-1131	80	50	kuwait	kuwait	PROPN
ajbmeb-1131	80	51	report	report	PROPN
ajbmeb-1131	80	52	.	.	PUNCT
ajbmeb-1131	81	1	3.2the	3.2the	DET
ajbmeb-1131	81	2	infrastructure	infrastructure	NOUN
ajbmeb-1131	81	3	for	for	ADP
ajbmeb-1131	81	4	electronic	electronic	ADJ
ajbmeb-1131	81	5	payments	payment	NOUN
ajbmeb-1131	81	6	in	in	ADP
ajbmeb-1131	81	7	kuwait	kuwait	PROPN
ajbmeb-1131	81	8	figure	figure	NOUN
ajbmeb-1131	81	9	(	(	PUNCT
ajbmeb-1131	81	10	4	4	NUM
ajbmeb-1131	81	11	)	)	PUNCT
ajbmeb-1131	81	12	shows	show	VERB
ajbmeb-1131	81	13	the	the	DET
ajbmeb-1131	81	14	nature	nature	NOUN
ajbmeb-1131	81	15	of	of	ADP
ajbmeb-1131	81	16	electronic	electronic	ADJ
ajbmeb-1131	81	17	transactions	transaction	NOUN
ajbmeb-1131	81	18	and	and	CCONJ
ajbmeb-1131	81	19	the	the	DET
ajbmeb-1131	81	20	extent	extent	NOUN
ajbmeb-1131	81	21	of	of	ADP
ajbmeb-1131	81	22	the	the	DET
ajbmeb-1131	81	23	capacity	capacity	NOUN
ajbmeb-1131	81	24	of	of	ADP
ajbmeb-1131	81	25	electronic	electronic	ADJ
ajbmeb-1131	81	26	points	point	NOUN
ajbmeb-1131	81	27	of	of	ADP
ajbmeb-1131	81	28	sale	sale	NOUN
ajbmeb-1131	81	29	compared	compare	VERB
ajbmeb-1131	81	30	to	to	ADP
ajbmeb-1131	81	31	atms	atms	PROPN
ajbmeb-1131	81	32	that	that	PRON
ajbmeb-1131	81	33	represent	represent	VERB
ajbmeb-1131	81	34	paper	paper	NOUN
ajbmeb-1131	81	35	transactions	transaction	NOUN
ajbmeb-1131	81	36	.	.	PUNCT
ajbmeb-1131	82	1	we	we	PRON
ajbmeb-1131	82	2	see	see	VERB
ajbmeb-1131	82	3	that	that	SCONJ
ajbmeb-1131	82	4	there	there	PRON
ajbmeb-1131	82	5	is	be	VERB
ajbmeb-1131	82	6	a	a	DET
ajbmeb-1131	82	7	significant	significant	ADJ
ajbmeb-1131	82	8	growth	growth	NOUN
ajbmeb-1131	82	9	in	in	ADP
ajbmeb-1131	82	10	the	the	DET
ajbmeb-1131	82	11	point	point	NOUN
ajbmeb-1131	82	12	of	of	ADP
ajbmeb-1131	82	13	sale	sale	NOUN
ajbmeb-1131	82	14	side	side	NOUN
ajbmeb-1131	82	15	,	,	PUNCT
ajbmeb-1131	82	16	and	and	CCONJ
ajbmeb-1131	82	17	therefore	therefore	ADV
ajbmeb-1131	82	18	we	we	PRON
ajbmeb-1131	82	19	can	can	AUX
ajbmeb-1131	82	20	say	say	VERB
ajbmeb-1131	82	21	that	that	SCONJ
ajbmeb-1131	82	22	there	there	PRON
ajbmeb-1131	82	23	is	be	VERB
ajbmeb-1131	82	24	a	a	DET
ajbmeb-1131	82	25	growing	grow	VERB
ajbmeb-1131	82	26	activity	activity	NOUN
ajbmeb-1131	82	27	of	of	ADP
ajbmeb-1131	82	28	financial	financial	ADJ
ajbmeb-1131	82	29	technology	technology	NOUN
ajbmeb-1131	82	30	in	in	ADP
ajbmeb-1131	82	31	kuwait	kuwait	PROPN
ajbmeb-1131	82	32	over	over	ADP
ajbmeb-1131	82	33	the	the	DET
ajbmeb-1131	82	34	five	five	NUM
ajbmeb-1131	82	35	years	year	NOUN
ajbmeb-1131	82	36	(	(	PUNCT
ajbmeb-1131	82	37	subject	subject	NOUN
ajbmeb-1131	82	38	of	of	ADP
ajbmeb-1131	82	39	the	the	DET
ajbmeb-1131	82	40	study	study	NOUN
ajbmeb-1131	82	41	)	)	PUNCT
ajbmeb-1131	82	42	.	.	PUNCT
ajbmeb-1131	83	1	the	the	DET
ajbmeb-1131	83	2	report	report	NOUN
ajbmeb-1131	83	3	of	of	ADP
ajbmeb-1131	83	4	the	the	DET
ajbmeb-1131	83	5	central	central	ADJ
ajbmeb-1131	83	6	bank	bank	PROPN
ajbmeb-1131	83	7	of	of	ADP
ajbmeb-1131	83	8	kuwait	kuwait	PROPN
ajbmeb-1131	83	9	indicates	indicate	VERB
ajbmeb-1131	83	10	paper	paper	NOUN
ajbmeb-1131	83	11	transactions	transaction	NOUN
ajbmeb-1131	83	12	electronic	electronic	ADJ
ajbmeb-1131	83	13	payments	payment	NOUN
ajbmeb-1131	83	14	american	american	ADJ
ajbmeb-1131	83	15	journal	journal	PROPN
ajbmeb-1131	83	16	of	of	ADP
ajbmeb-1131	83	17	business	business	NOUN
ajbmeb-1131	83	18	management	management	NOUN
ajbmeb-1131	83	19	,	,	PUNCT
ajbmeb-1131	83	20	economics	economic	NOUN
ajbmeb-1131	83	21	and	and	CCONJ
ajbmeb-1131	83	22	banking	banking	NOUN
ajbmeb-1131	83	23	volume	volume	NOUN
ajbmeb-1131	83	24	15	15	NUM
ajbmeb-1131	83	25	august	august	PROPN
ajbmeb-1131	83	26	,	,	PUNCT
ajbmeb-1131	83	27	2023	2023	NUM
ajbmeb-1131	83	28	p	p	NOUN
ajbmeb-1131	83	29	a	a	DET
ajbmeb-1131	83	30	g	g	NOUN
ajbmeb-1131	83	31	e	e	NOUN
ajbmeb-1131	83	32	|	|	ADV
ajbmeb-1131	83	33	44	44	NUM
ajbmeb-1131	83	34	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1131	83	35	that	that	SCONJ
ajbmeb-1131	83	36	transactions	transaction	NOUN
ajbmeb-1131	83	37	via	via	ADP
ajbmeb-1131	83	38	the	the	DET
ajbmeb-1131	83	39	internet	internet	NOUN
ajbmeb-1131	83	40	recorded	record	VERB
ajbmeb-1131	83	41	a	a	DET
ajbmeb-1131	83	42	growth	growth	NOUN
ajbmeb-1131	83	43	in	in	ADP
ajbmeb-1131	83	44	2021	2021	NUM
ajbmeb-1131	83	45	,	,	PUNCT
ajbmeb-1131	83	46	reaching	reach	VERB
ajbmeb-1131	83	47	43	43	NUM
ajbmeb-1131	83	48	%	%	NOUN
ajbmeb-1131	83	49	of	of	ADP
ajbmeb-1131	83	50	the	the	DET
ajbmeb-1131	83	51	total	total	ADJ
ajbmeb-1131	83	52	non	non	ADJ
ajbmeb-1131	83	53	-	-	ADJ
ajbmeb-1131	83	54	cash	cash	ADJ
ajbmeb-1131	83	55	transactions	transaction	NOUN
ajbmeb-1131	83	56	.	.	PUNCT
ajbmeb-1131	84	1	the	the	DET
ajbmeb-1131	84	2	growth	growth	NOUN
ajbmeb-1131	84	3	rate	rate	NOUN
ajbmeb-1131	84	4	of	of	ADP
ajbmeb-1131	84	5	points	point	NOUN
ajbmeb-1131	84	6	of	of	ADP
ajbmeb-1131	84	7	sale	sale	NOUN
ajbmeb-1131	84	8	during	during	ADP
ajbmeb-1131	84	9	the	the	DET
ajbmeb-1131	84	10	five	five	NUM
ajbmeb-1131	84	11	years	year	NOUN
ajbmeb-1131	84	12	was	be	AUX
ajbmeb-1131	84	13	very	very	ADV
ajbmeb-1131	84	14	large	large	ADJ
ajbmeb-1131	84	15	,	,	PUNCT
ajbmeb-1131	84	16	which	which	PRON
ajbmeb-1131	84	17	confirms	confirm	VERB
ajbmeb-1131	84	18	the	the	DET
ajbmeb-1131	84	19	process	process	NOUN
ajbmeb-1131	84	20	of	of	ADP
ajbmeb-1131	84	21	shifting	shift	VERB
ajbmeb-1131	84	22	towards	towards	ADP
ajbmeb-1131	84	23	cashless	cashless	NOUN
ajbmeb-1131	84	24	payment	payment	NOUN
ajbmeb-1131	84	25	operations	operation	NOUN
ajbmeb-1131	84	26	and	and	CCONJ
ajbmeb-1131	84	27	their	their	PRON
ajbmeb-1131	84	28	dominance	dominance	NOUN
ajbmeb-1131	84	29	.	.	PUNCT
ajbmeb-1131	85	1	figure	figure	NOUN
ajbmeb-1131	85	2	(	(	PUNCT
ajbmeb-1131	85	3	4	4	NUM
ajbmeb-1131	85	4	)	)	PUNCT
ajbmeb-1131	85	5	electronic	electronic	ADJ
ajbmeb-1131	85	6	payments	payment	NOUN
ajbmeb-1131	85	7	in	in	ADP
ajbmeb-1131	85	8	kuwait	kuwait	PROPN
ajbmeb-1131	85	9	source	source	PROPN
ajbmeb-1131	85	10	:	:	PUNCT
ajbmeb-1131	85	11	financial	financial	ADJ
ajbmeb-1131	85	12	stability	stability	NOUN
ajbmeb-1131	85	13	report	report	NOUN
ajbmeb-1131	85	14	,	,	PUNCT
ajbmeb-1131	85	15	central	central	ADJ
ajbmeb-1131	85	16	bank	bank	PROPN
ajbmeb-1131	85	17	of	of	ADP
ajbmeb-1131	85	18	kuwait	kuwait	PROPN
ajbmeb-1131	85	19	,	,	PUNCT
ajbmeb-1131	85	20	kuwait	kuwait	PROPN
ajbmeb-1131	85	21	,	,	PUNCT
ajbmeb-1131	85	22	2021	2021	NUM
ajbmeb-1131	85	23	,	,	PUNCT
ajbmeb-1131	85	24	p.	p.	NOUN
ajbmeb-1131	85	25	90	90	NUM
ajbmeb-1131	85	26	.	.	PUNCT
ajbmeb-1131	86	1	3.3digital	3.3digital	NUM
ajbmeb-1131	86	2	services	service	NOUN
ajbmeb-1131	86	3	in	in	ADP
ajbmeb-1131	86	4	the	the	DET
ajbmeb-1131	86	5	state	state	NOUN
ajbmeb-1131	86	6	of	of	ADP
ajbmeb-1131	86	7	kuwait	kuwait	PROPN
ajbmeb-1131	86	8	figure	figure	NOUN
ajbmeb-1131	86	9	(	(	PUNCT
ajbmeb-1131	86	10	5	5	NUM
ajbmeb-1131	86	11	)	)	PUNCT
ajbmeb-1131	86	12	shows	show	VERB
ajbmeb-1131	86	13	the	the	DET
ajbmeb-1131	86	14	nature	nature	NOUN
ajbmeb-1131	86	15	of	of	ADP
ajbmeb-1131	86	16	the	the	DET
ajbmeb-1131	86	17	digital	digital	ADJ
ajbmeb-1131	86	18	services	service	NOUN
ajbmeb-1131	86	19	provided	provide	VERB
ajbmeb-1131	86	20	in	in	ADP
ajbmeb-1131	86	21	the	the	DET
ajbmeb-1131	86	22	state	state	NOUN
ajbmeb-1131	86	23	of	of	ADP
ajbmeb-1131	86	24	kuwait	kuwait	PROPN
ajbmeb-1131	86	25	,	,	PUNCT
ajbmeb-1131	86	26	as	as	SCONJ
ajbmeb-1131	86	27	we	we	PRON
ajbmeb-1131	86	28	notice	notice	VERB
ajbmeb-1131	86	29	the	the	DET
ajbmeb-1131	86	30	rapid	rapid	ADJ
ajbmeb-1131	86	31	growth	growth	NOUN
ajbmeb-1131	86	32	in	in	ADP
ajbmeb-1131	86	33	it	it	PRON
ajbmeb-1131	86	34	over	over	ADP
ajbmeb-1131	86	35	the	the	DET
ajbmeb-1131	86	36	five	five	NUM
ajbmeb-1131	86	37	years	year	NOUN
ajbmeb-1131	86	38	,	,	PUNCT
ajbmeb-1131	86	39	which	which	PRON
ajbmeb-1131	86	40	confirms	confirm	VERB
ajbmeb-1131	86	41	that	that	SCONJ
ajbmeb-1131	86	42	there	there	PRON
ajbmeb-1131	86	43	is	be	VERB
ajbmeb-1131	86	44	a	a	DET
ajbmeb-1131	86	45	desire	desire	NOUN
ajbmeb-1131	86	46	among	among	ADP
ajbmeb-1131	86	47	the	the	DET
ajbmeb-1131	86	48	public	public	NOUN
ajbmeb-1131	86	49	of	of	ADP
ajbmeb-1131	86	50	dealers	dealer	NOUN
ajbmeb-1131	86	51	to	to	PART
ajbmeb-1131	86	52	benefit	benefit	VERB
ajbmeb-1131	86	53	from	from	ADP
ajbmeb-1131	86	54	the	the	DET
ajbmeb-1131	86	55	digital	digital	ADJ
ajbmeb-1131	86	56	services	service	NOUN
ajbmeb-1131	86	57	provided	provide	VERB
ajbmeb-1131	86	58	by	by	ADP
ajbmeb-1131	86	59	banks	bank	NOUN
ajbmeb-1131	86	60	or	or	CCONJ
ajbmeb-1131	86	61	other	other	ADJ
ajbmeb-1131	86	62	financial	financial	ADJ
ajbmeb-1131	86	63	institutions	institution	NOUN
ajbmeb-1131	86	64	.	.	PUNCT
ajbmeb-1131	87	1	all	all	DET
ajbmeb-1131	87	2	this	this	PRON
ajbmeb-1131	87	3	is	be	AUX
ajbmeb-1131	87	4	to	to	PART
ajbmeb-1131	87	5	get	get	AUX
ajbmeb-1131	87	6	rid	rid	VERB
ajbmeb-1131	87	7	of	of	ADP
ajbmeb-1131	87	8	the	the	DET
ajbmeb-1131	87	9	traditional	traditional	ADJ
ajbmeb-1131	87	10	purchases	purchase	NOUN
ajbmeb-1131	87	11	that	that	PRON
ajbmeb-1131	87	12	take	take	VERB
ajbmeb-1131	87	13	place	place	NOUN
ajbmeb-1131	87	14	through	through	ADP
ajbmeb-1131	87	15	paper	paper	NOUN
ajbmeb-1131	87	16	money	money	NOUN
ajbmeb-1131	87	17	,	,	PUNCT
ajbmeb-1131	87	18	as	as	SCONJ
ajbmeb-1131	87	19	the	the	DET
ajbmeb-1131	87	20	central	central	ADJ
ajbmeb-1131	87	21	bank	bank	PROPN
ajbmeb-1131	87	22	of	of	ADP
ajbmeb-1131	87	23	kuwait	kuwait	PROPN
ajbmeb-1131	87	24	indicates	indicate	VERB
ajbmeb-1131	87	25	that	that	SCONJ
ajbmeb-1131	87	26	the	the	DET
ajbmeb-1131	87	27	countries	country	NOUN
ajbmeb-1131	87	28	of	of	ADP
ajbmeb-1131	87	29	the	the	DET
ajbmeb-1131	87	30	gulf	gulf	PROPN
ajbmeb-1131	87	31	cooperation	cooperation	NOUN
ajbmeb-1131	87	32	council	council	PROPN
ajbmeb-1131	87	33	are	be	AUX
ajbmeb-1131	87	34	accelerating	accelerate	VERB
ajbmeb-1131	87	35	to	to	PART
ajbmeb-1131	87	36	meet	meet	VERB
ajbmeb-1131	87	37	the	the	DET
ajbmeb-1131	87	38	basic	basic	ADJ
ajbmeb-1131	87	39	requirements	requirement	NOUN
ajbmeb-1131	87	40	for	for	ADP
ajbmeb-1131	87	41	the	the	DET
ajbmeb-1131	87	42	success	success	NOUN
ajbmeb-1131	87	43	of	of	ADP
ajbmeb-1131	87	44	these	these	DET
ajbmeb-1131	87	45	services	service	NOUN
ajbmeb-1131	87	46	until	until	ADP
ajbmeb-1131	87	47	the	the	DET
ajbmeb-1131	87	48	complete	complete	ADJ
ajbmeb-1131	87	49	shift	shift	NOUN
ajbmeb-1131	87	50	towards	towards	ADP
ajbmeb-1131	87	51	digitization	digitization	NOUN
ajbmeb-1131	87	52	in	in	ADP
ajbmeb-1131	87	53	banking	banking	NOUN
ajbmeb-1131	87	54	transactions	transaction	NOUN
ajbmeb-1131	87	55	.	.	PUNCT
ajbmeb-1131	88	1	figure	figure	NOUN
ajbmeb-1131	88	2	(	(	PUNCT
ajbmeb-1131	88	3	5	5	NUM
ajbmeb-1131	88	4	)	)	PUNCT
ajbmeb-1131	88	5	digital	digital	ADJ
ajbmeb-1131	88	6	services	service	NOUN
ajbmeb-1131	88	7	in	in	ADP
ajbmeb-1131	88	8	kuwait	kuwait	PROPN
ajbmeb-1131	88	9	source	source	PROPN
ajbmeb-1131	88	10	:	:	PUNCT
ajbmeb-1131	88	11	financial	financial	ADJ
ajbmeb-1131	88	12	stability	stability	NOUN
ajbmeb-1131	88	13	report	report	NOUN
ajbmeb-1131	88	14	,	,	PUNCT
ajbmeb-1131	88	15	central	central	ADJ
ajbmeb-1131	88	16	bank	bank	PROPN
ajbmeb-1131	88	17	of	of	ADP
ajbmeb-1131	88	18	kuwait	kuwait	PROPN
ajbmeb-1131	88	19	,	,	PUNCT
ajbmeb-1131	88	20	kuwait	kuwait	PROPN
ajbmeb-1131	88	21	,	,	PUNCT
ajbmeb-1131	88	22	2021	2021	NUM
ajbmeb-1131	88	23	,	,	PUNCT
ajbmeb-1131	88	24	p.	p.	NOUN
ajbmeb-1131	88	25	92	92	NUM
ajbmeb-1131	88	26	.	.	PUNCT
ajbmeb-1131	88	27	0	0	NUM
ajbmeb-1131	89	1	10	10	NUM
ajbmeb-1131	89	2	20	20	NUM
ajbmeb-1131	89	3	30	30	NUM
ajbmeb-1131	89	4	40	40	NUM
ajbmeb-1131	89	5	50	50	NUM
ajbmeb-1131	89	6	60	60	NUM
ajbmeb-1131	89	7	70	70	NUM
ajbmeb-1131	89	8	80	80	NUM
ajbmeb-1131	89	9	90	90	NUM
ajbmeb-1131	89	10	2017	2017	NUM
ajbmeb-1131	89	11	2018	2018	NUM
ajbmeb-1131	89	12	2019	2019	NUM
ajbmeb-1131	89	13	2020	2020	NUM
ajbmeb-1131	89	14	2021	2021	NUM
ajbmeb-1131	89	15	pos	pos	NOUN
ajbmeb-1131	89	16	atm	atm	NOUN
ajbmeb-1131	89	17	750	750	NUM
ajbmeb-1131	89	18	1000	1000	NUM
ajbmeb-1131	89	19	1300	1300	NUM
ajbmeb-1131	89	20	1500	1500	NUM
ajbmeb-1131	89	21	1700	1700	NUM
ajbmeb-1131	89	22	500	500	NUM
ajbmeb-1131	89	23	1000	1000	NUM
ajbmeb-1131	89	24	1500	1500	NUM
ajbmeb-1131	89	25	2000	2000	NUM
ajbmeb-1131	89	26	2500	2500	NUM
ajbmeb-1131	89	27	2017	2017	NUM
ajbmeb-1131	89	28	2018	2018	NUM
ajbmeb-1131	89	29	2019	2019	NUM
ajbmeb-1131	89	30	2020	2020	NUM
ajbmeb-1131	89	31	2021total	2021total	ADJ
ajbmeb-1131	89	32	number	number	NOUN
ajbmeb-1131	89	33	of	of	ADP
ajbmeb-1131	89	34	users	user	NOUN
ajbmeb-1131	89	35	in	in	ADP
ajbmeb-1131	89	36	thousands	thousand	NOUN
ajbmeb-1131	89	37	american	american	ADJ
ajbmeb-1131	89	38	journal	journal	PROPN
ajbmeb-1131	89	39	of	of	ADP
ajbmeb-1131	89	40	business	business	NOUN
ajbmeb-1131	89	41	management	management	NOUN
ajbmeb-1131	89	42	,	,	PUNCT
ajbmeb-1131	89	43	economics	economic	NOUN
ajbmeb-1131	89	44	and	and	CCONJ
ajbmeb-1131	89	45	banking	banking	NOUN
ajbmeb-1131	89	46	volume	volume	NOUN
ajbmeb-1131	89	47	15	15	NUM
ajbmeb-1131	89	48	august	august	PROPN
ajbmeb-1131	89	49	,	,	PUNCT
ajbmeb-1131	89	50	2023	2023	NUM
ajbmeb-1131	89	51	p	p	NOUN
ajbmeb-1131	89	52	a	a	PRON
ajbmeb-1131	89	53	g	g	NOUN
ajbmeb-1131	89	54	e	e	NOUN
ajbmeb-1131	89	55	|	|	ADV
ajbmeb-1131	89	56	45	45	NUM
ajbmeb-1131	89	57	www.americanjournal.org	www.americanjournal.org	PROPN
ajbmeb-1131	89	58	4	4	NUM
ajbmeb-1131	89	59	.	.	PUNCT
ajbmeb-1131	90	1	the	the	DET
ajbmeb-1131	90	2	reality	reality	NOUN
ajbmeb-1131	90	3	of	of	ADP
ajbmeb-1131	90	4	financial	financial	ADJ
ajbmeb-1131	90	5	technology	technology	NOUN
ajbmeb-1131	90	6	in	in	ADP
ajbmeb-1131	90	7	iraq	iraq	PROPN
ajbmeb-1131	90	8	4.1the	4.1the	DET
ajbmeb-1131	90	9	reality	reality	NOUN
ajbmeb-1131	90	10	of	of	ADP
ajbmeb-1131	90	11	modern	modern	ADJ
ajbmeb-1131	90	12	banking	banking	NOUN
ajbmeb-1131	90	13	techniques	technique	NOUN
ajbmeb-1131	90	14	in	in	ADP
ajbmeb-1131	90	15	iraq	iraq	PROPN
ajbmeb-1131	90	16	the	the	DET
ajbmeb-1131	90	17	iraqi	iraqi	ADJ
ajbmeb-1131	90	18	banking	banking	NOUN
ajbmeb-1131	90	19	system	system	NOUN
ajbmeb-1131	90	20	differs	differ	VERB
ajbmeb-1131	90	21	from	from	ADP
ajbmeb-1131	90	22	some	some	DET
ajbmeb-1131	90	23	neighboring	neighbor	VERB
ajbmeb-1131	90	24	arab	arab	ADJ
ajbmeb-1131	90	25	and	and	CCONJ
ajbmeb-1131	90	26	developing	develop	VERB
ajbmeb-1131	90	27	countries	country	NOUN
ajbmeb-1131	90	28	such	such	ADJ
ajbmeb-1131	90	29	as	as	ADP
ajbmeb-1131	90	30	jordan	jordan	PROPN
ajbmeb-1131	90	31	,	,	PUNCT
ajbmeb-1131	90	32	lebanon	lebanon	PROPN
ajbmeb-1131	90	33	,	,	PUNCT
ajbmeb-1131	90	34	kuwait	kuwait	PROPN
ajbmeb-1131	90	35	...	...	PUNCT
ajbmeb-1131	90	36	etc	etc	X
ajbmeb-1131	90	37	.	.	X
ajbmeb-1131	91	1	the	the	DET
ajbmeb-1131	91	2	services	service	NOUN
ajbmeb-1131	91	3	of	of	ADP
ajbmeb-1131	91	4	iraqi	iraqi	ADJ
ajbmeb-1131	91	5	banks	bank	NOUN
ajbmeb-1131	91	6	do	do	AUX
ajbmeb-1131	91	7	not	not	PART
ajbmeb-1131	91	8	rise	rise	VERB
ajbmeb-1131	91	9	to	to	ADP
ajbmeb-1131	91	10	the	the	DET
ajbmeb-1131	91	11	level	level	NOUN
ajbmeb-1131	91	12	of	of	ADP
ajbmeb-1131	91	13	ambitions	ambition	NOUN
ajbmeb-1131	91	14	,	,	PUNCT
ajbmeb-1131	91	15	as	as	SCONJ
ajbmeb-1131	91	16	most	most	ADJ
ajbmeb-1131	91	17	banks	bank	NOUN
ajbmeb-1131	91	18	have	have	AUX
ajbmeb-1131	91	19	been	be	AUX
ajbmeb-1131	91	20	established	establish	VERB
ajbmeb-1131	91	21	or	or	CCONJ
ajbmeb-1131	91	22	expanded	expand	VERB
ajbmeb-1131	91	23	after	after	ADP
ajbmeb-1131	91	24	2003	2003	NUM
ajbmeb-1131	91	25	.	.	PUNCT
ajbmeb-1131	92	1	the	the	DET
ajbmeb-1131	92	2	number	number	NOUN
ajbmeb-1131	92	3	of	of	ADP
ajbmeb-1131	92	4	branches	branch	NOUN
ajbmeb-1131	92	5	of	of	ADP
ajbmeb-1131	92	6	these	these	DET
ajbmeb-1131	92	7	banks	bank	NOUN
ajbmeb-1131	92	8	is	be	AUX
ajbmeb-1131	92	9	not	not	PART
ajbmeb-1131	92	10	compatible	compatible	ADJ
ajbmeb-1131	92	11	with	with	ADP
ajbmeb-1131	92	12	the	the	DET
ajbmeb-1131	92	13	population	population	NOUN
ajbmeb-1131	92	14	in	in	ADP
ajbmeb-1131	92	15	the	the	DET
ajbmeb-1131	92	16	country	country	NOUN
ajbmeb-1131	92	17	,	,	PUNCT
ajbmeb-1131	92	18	iraqi	iraqi	ADJ
ajbmeb-1131	92	19	banks	bank	NOUN
ajbmeb-1131	92	20	,	,	PUNCT
ajbmeb-1131	92	21	whether	whether	SCONJ
ajbmeb-1131	92	22	governmental	governmental	ADJ
ajbmeb-1131	92	23	or	or	CCONJ
ajbmeb-1131	92	24	private	private	ADJ
ajbmeb-1131	92	25	,	,	PUNCT
ajbmeb-1131	92	26	mostly	mostly	ADV
ajbmeb-1131	92	27	rely	rely	VERB
ajbmeb-1131	92	28	on	on	ADP
ajbmeb-1131	92	29	traditional	traditional	ADJ
ajbmeb-1131	92	30	manual	manual	ADJ
ajbmeb-1131	92	31	work	work	NOUN
ajbmeb-1131	92	32	such	such	ADJ
ajbmeb-1131	92	33	as	as	ADP
ajbmeb-1131	92	34	paperwork	paperwork	NOUN
ajbmeb-1131	92	35	in	in	ADP
ajbmeb-1131	92	36	conducting	conduct	VERB
ajbmeb-1131	92	37	their	their	PRON
ajbmeb-1131	92	38	transactions	transaction	NOUN
ajbmeb-1131	92	39	until	until	ADP
ajbmeb-1131	92	40	the	the	DET
ajbmeb-1131	92	41	beginning	beginning	NOUN
ajbmeb-1131	92	42	of	of	ADP
ajbmeb-1131	92	43	2017	2017	NUM
ajbmeb-1131	92	44	.	.	PUNCT
ajbmeb-1131	93	1	it	it	PRON
ajbmeb-1131	93	2	gradually	gradually	ADV
ajbmeb-1131	93	3	began	begin	VERB
ajbmeb-1131	93	4	to	to	PART
ajbmeb-1131	93	5	introduce	introduce	VERB
ajbmeb-1131	93	6	technology	technology	NOUN
ajbmeb-1131	93	7	into	into	ADP
ajbmeb-1131	93	8	its	its	PRON
ajbmeb-1131	93	9	work	work	NOUN
ajbmeb-1131	93	10	,	,	PUNCT
ajbmeb-1131	93	11	as	as	SCONJ
ajbmeb-1131	93	12	it	it	PRON
ajbmeb-1131	93	13	becomes	become	VERB
ajbmeb-1131	93	14	clear	clear	ADJ
ajbmeb-1131	93	15	to	to	ADP
ajbmeb-1131	93	16	everyone	everyone	PRON
ajbmeb-1131	93	17	that	that	SCONJ
ajbmeb-1131	93	18	the	the	DET
ajbmeb-1131	93	19	iraqi	iraqi	ADJ
ajbmeb-1131	93	20	banking	banking	NOUN
ajbmeb-1131	93	21	system	system	NOUN
ajbmeb-1131	93	22	is	be	AUX
ajbmeb-1131	93	23	one	one	NUM
ajbmeb-1131	93	24	of	of	ADP
ajbmeb-1131	93	25	the	the	DET
ajbmeb-1131	93	26	weakest	weak	ADJ
ajbmeb-1131	93	27	banking	banking	NOUN
ajbmeb-1131	93	28	systems	system	NOUN
ajbmeb-1131	93	29	in	in	ADP
ajbmeb-1131	93	30	the	the	DET
ajbmeb-1131	93	31	middle	middle	PROPN
ajbmeb-1131	93	32	east	east	PROPN
ajbmeb-1131	93	33	(	(	PUNCT
ajbmeb-1131	93	34	iluba	iluba	NOUN
ajbmeb-1131	93	35	&	&	CCONJ
ajbmeb-1131	93	36	phiri	phiri	PROPN
ajbmeb-1131	93	37	,	,	PUNCT
ajbmeb-1131	93	38	2021	2021	NUM
ajbmeb-1131	93	39	,	,	PUNCT
ajbmeb-1131	93	40	334	334	NUM
ajbmeb-1131	93	41	)	)	PUNCT
ajbmeb-1131	93	42	.	.	PUNCT
ajbmeb-1131	94	1	it	it	PRON
ajbmeb-1131	94	2	is	be	AUX
ajbmeb-1131	94	3	much	much	ADV
ajbmeb-1131	94	4	lower	low	ADJ
ajbmeb-1131	94	5	than	than	ADP
ajbmeb-1131	94	6	the	the	DET
ajbmeb-1131	94	7	banking	banking	NOUN
ajbmeb-1131	94	8	systems	system	NOUN
ajbmeb-1131	94	9	of	of	ADP
ajbmeb-1131	94	10	developed	develop	VERB
ajbmeb-1131	94	11	countries	country	NOUN
ajbmeb-1131	94	12	in	in	ADP
ajbmeb-1131	94	13	terms	term	NOUN
ajbmeb-1131	94	14	of	of	ADP
ajbmeb-1131	94	15	the	the	DET
ajbmeb-1131	94	16	technology	technology	NOUN
ajbmeb-1131	94	17	used	use	VERB
ajbmeb-1131	94	18	,	,	PUNCT
ajbmeb-1131	94	19	the	the	DET
ajbmeb-1131	94	20	diversity	diversity	NOUN
ajbmeb-1131	94	21	of	of	ADP
ajbmeb-1131	94	22	services	service	NOUN
ajbmeb-1131	94	23	,	,	PUNCT
ajbmeb-1131	94	24	the	the	DET
ajbmeb-1131	94	25	number	number	NOUN
ajbmeb-1131	94	26	of	of	ADP
ajbmeb-1131	94	27	customers	customer	NOUN
ajbmeb-1131	94	28	,	,	PUNCT
ajbmeb-1131	94	29	and	and	CCONJ
ajbmeb-1131	94	30	the	the	DET
ajbmeb-1131	94	31	banking	banking	NOUN
ajbmeb-1131	94	32	facilities	facility	NOUN
ajbmeb-1131	94	33	provided	provide	VERB
ajbmeb-1131	94	34	to	to	ADP
ajbmeb-1131	94	35	customers	customer	NOUN
ajbmeb-1131	94	36	.	.	PUNCT
ajbmeb-1131	95	1	likewise	likewise	ADV
ajbmeb-1131	95	2	,	,	PUNCT
ajbmeb-1131	95	3	the	the	DET
ajbmeb-1131	95	4	contribution	contribution	NOUN
ajbmeb-1131	95	5	of	of	ADP
ajbmeb-1131	95	6	iraqi	iraqi	ADJ
ajbmeb-1131	95	7	banks	bank	NOUN
ajbmeb-1131	95	8	to	to	PART
ajbmeb-1131	95	9	support	support	VERB
ajbmeb-1131	95	10	various	various	ADJ
ajbmeb-1131	95	11	economic	economic	ADJ
ajbmeb-1131	95	12	activities	activity	NOUN
ajbmeb-1131	95	13	,	,	PUNCT
ajbmeb-1131	95	14	commercial	commercial	ADJ
ajbmeb-1131	95	15	/	/	SYM
ajbmeb-1131	95	16	industrial	industrial	ADJ
ajbmeb-1131	95	17	/	/	SYM
ajbmeb-1131	95	18	agricultural	agricultural	ADJ
ajbmeb-1131	95	19	,	,	PUNCT
ajbmeb-1131	95	20	as	as	SCONJ
ajbmeb-1131	95	21	they	they	PRON
ajbmeb-1131	95	22	contribute	contribute	VERB
ajbmeb-1131	95	23	very	very	ADV
ajbmeb-1131	95	24	weakly	weakly	ADV
ajbmeb-1131	95	25	and	and	CCONJ
ajbmeb-1131	95	26	do	do	AUX
ajbmeb-1131	95	27	not	not	PART
ajbmeb-1131	95	28	reach	reach	VERB
ajbmeb-1131	95	29	the	the	DET
ajbmeb-1131	95	30	minimum	minimum	ADJ
ajbmeb-1131	95	31	level	level	NOUN
ajbmeb-1131	95	32	of	of	ADP
ajbmeb-1131	95	33	ambition	ambition	NOUN
ajbmeb-1131	95	34	(	(	PUNCT
ajbmeb-1131	95	35	gu	gu	NOUN
ajbmeb-1131	95	36	&	&	CCONJ
ajbmeb-1131	95	37	luiss	luiss	ADJ
ajbmeb-1131	95	38	,	,	PUNCT
ajbmeb-1131	95	39	2021	2021	NUM
ajbmeb-1131	95	40	,	,	PUNCT
ajbmeb-1131	95	41	436	436	NUM
ajbmeb-1131	95	42	)	)	PUNCT
ajbmeb-1131	95	43	.	.	PUNCT
ajbmeb-1131	96	1	however	however	ADV
ajbmeb-1131	96	2	,	,	PUNCT
ajbmeb-1131	96	3	iraqi	iraqi	ADJ
ajbmeb-1131	96	4	banks	bank	NOUN
ajbmeb-1131	96	5	need	need	VERB
ajbmeb-1131	96	6	a	a	DET
ajbmeb-1131	96	7	fundamental	fundamental	ADJ
ajbmeb-1131	96	8	improvement	improvement	NOUN
ajbmeb-1131	96	9	in	in	ADP
ajbmeb-1131	96	10	terms	term	NOUN
ajbmeb-1131	96	11	of	of	ADP
ajbmeb-1131	96	12	service	service	NOUN
ajbmeb-1131	96	13	quality	quality	NOUN
ajbmeb-1131	96	14	(	(	PUNCT
ajbmeb-1131	96	15	kou	kou	PROPN
ajbmeb-1131	96	16	et	et	PROPN
ajbmeb-1131	96	17	al	al	PROPN
ajbmeb-1131	96	18	.	.	PROPN
ajbmeb-1131	96	19	,	,	PUNCT
ajbmeb-1131	96	20	2021	2021	NUM
ajbmeb-1131	96	21	,	,	PUNCT
ajbmeb-1131	96	22	512	512	NUM
ajbmeb-1131	96	23	)	)	PUNCT
ajbmeb-1131	96	24	.	.	PUNCT
ajbmeb-1131	97	1	the	the	DET
ajbmeb-1131	97	2	quality	quality	NOUN
ajbmeb-1131	97	3	of	of	ADP
ajbmeb-1131	97	4	services	service	NOUN
ajbmeb-1131	97	5	provided	provide	VERB
ajbmeb-1131	97	6	to	to	ADP
ajbmeb-1131	97	7	customers	customer	NOUN
ajbmeb-1131	97	8	is	be	AUX
ajbmeb-1131	97	9	not	not	PART
ajbmeb-1131	97	10	sufficient	sufficient	ADJ
ajbmeb-1131	97	11	to	to	PART
ajbmeb-1131	97	12	create	create	VERB
ajbmeb-1131	97	13	value	value	NOUN
ajbmeb-1131	97	14	and	and	CCONJ
ajbmeb-1131	97	15	achieve	achieve	VERB
ajbmeb-1131	97	16	a	a	DET
ajbmeb-1131	97	17	competitive	competitive	ADJ
ajbmeb-1131	97	18	advantage	advantage	NOUN
ajbmeb-1131	97	19	over	over	ADP
ajbmeb-1131	97	20	its	its	PRON
ajbmeb-1131	97	21	competitors	competitor	NOUN
ajbmeb-1131	97	22	.	.	PUNCT
ajbmeb-1131	98	1	banks	bank	NOUN
ajbmeb-1131	98	2	must	must	AUX
ajbmeb-1131	98	3	be	be	AUX
ajbmeb-1131	98	4	more	more	ADV
ajbmeb-1131	98	5	innovative	innovative	ADJ
ajbmeb-1131	98	6	,	,	PUNCT
ajbmeb-1131	98	7	fast	fast	ADJ
ajbmeb-1131	98	8	,	,	PUNCT
ajbmeb-1131	98	9	and	and	CCONJ
ajbmeb-1131	98	10	dynamic	dynamic	ADJ
ajbmeb-1131	98	11	.	.	PUNCT
ajbmeb-1131	99	1	without	without	ADP
ajbmeb-1131	99	2	stressing	stress	VERB
ajbmeb-1131	99	3	the	the	DET
ajbmeb-1131	99	4	essentials	essential	NOUN
ajbmeb-1131	99	5	,	,	PUNCT
ajbmeb-1131	99	6	banks	bank	NOUN
ajbmeb-1131	99	7	should	should	AUX
ajbmeb-1131	99	8	be	be	AUX
ajbmeb-1131	99	9	more	more	ADV
ajbmeb-1131	99	10	strategic	strategic	ADJ
ajbmeb-1131	99	11	in	in	ADP
ajbmeb-1131	99	12	their	their	PRON
ajbmeb-1131	99	13	decision	decision	NOUN
ajbmeb-1131	99	14	-	-	PUNCT
ajbmeb-1131	99	15	making	making	NOUN
ajbmeb-1131	99	16	,	,	PUNCT
ajbmeb-1131	99	17	and	and	CCONJ
ajbmeb-1131	99	18	develop	develop	VERB
ajbmeb-1131	99	19	better	well	ADJ
ajbmeb-1131	99	20	approaches	approach	NOUN
ajbmeb-1131	99	21	to	to	ADP
ajbmeb-1131	99	22	communicating	communicate	VERB
ajbmeb-1131	99	23	with	with	ADP
ajbmeb-1131	99	24	customers	customer	NOUN
ajbmeb-1131	99	25	through	through	ADP
ajbmeb-1131	99	26	information	information	NOUN
ajbmeb-1131	99	27	technology	technology	NOUN
ajbmeb-1131	99	28	.	.	PUNCT
ajbmeb-1131	100	1	according	accord	VERB
ajbmeb-1131	100	2	to	to	ADP
ajbmeb-1131	100	3	(	(	PUNCT
ajbmeb-1131	100	4	pant	pant	PROPN
ajbmeb-1131	100	5	joshi	joshi	PROPN
ajbmeb-1131	100	6	,	,	PUNCT
ajbmeb-1131	100	7	2011	2011	NUM
ajbmeb-1131	100	8	,	,	PUNCT
ajbmeb-1131	100	9	322	322	NUM
ajbmeb-1131	100	10	)	)	PUNCT
ajbmeb-1131	100	11	,	,	PUNCT
ajbmeb-1131	100	12	the	the	DET
ajbmeb-1131	100	13	internet	internet	NOUN
ajbmeb-1131	100	14	has	have	AUX
ajbmeb-1131	100	15	become	become	VERB
ajbmeb-1131	100	16	an	an	DET
ajbmeb-1131	100	17	integral	integral	ADJ
ajbmeb-1131	100	18	part	part	NOUN
ajbmeb-1131	100	19	of	of	ADP
ajbmeb-1131	100	20	human	human	ADJ
ajbmeb-1131	100	21	life	life	NOUN
ajbmeb-1131	100	22	,	,	PUNCT
ajbmeb-1131	100	23	as	as	SCONJ
ajbmeb-1131	100	24	its	its	PRON
ajbmeb-1131	100	25	use	use	NOUN
ajbmeb-1131	100	26	has	have	AUX
ajbmeb-1131	100	27	positively	positively	ADV
ajbmeb-1131	100	28	promoted	promote	VERB
ajbmeb-1131	100	29	the	the	DET
ajbmeb-1131	100	30	adoption	adoption	NOUN
ajbmeb-1131	100	31	of	of	ADP
ajbmeb-1131	100	32	various	various	ADJ
ajbmeb-1131	100	33	banking	banking	NOUN
ajbmeb-1131	100	34	solutions	solution	NOUN
ajbmeb-1131	100	35	such	such	ADJ
ajbmeb-1131	100	36	as	as	ADP
ajbmeb-1131	100	37	internet	internet	NOUN
ajbmeb-1131	100	38	banking	banking	NOUN
ajbmeb-1131	100	39	(	(	PUNCT
ajbmeb-1131	100	40	liu	liu	PROPN
ajbmeb-1131	100	41	et	et	PROPN
ajbmeb-1131	100	42	al	al	PROPN
ajbmeb-1131	100	43	.	.	PROPN
ajbmeb-1131	100	44	,	,	PUNCT
ajbmeb-1131	100	45	2021	2021	NUM
ajbmeb-1131	100	46	,	,	PUNCT
ajbmeb-1131	100	47	467	467	NUM
ajbmeb-1131	100	48	)	)	PUNCT
ajbmeb-1131	100	49	.	.	PUNCT
ajbmeb-1131	101	1	iraqi	iraqi	ADJ
ajbmeb-1131	101	2	banks	bank	NOUN
ajbmeb-1131	101	3	sought	seek	VERB
ajbmeb-1131	101	4	to	to	PART
ajbmeb-1131	101	5	join	join	VERB
ajbmeb-1131	101	6	the	the	DET
ajbmeb-1131	101	7	innovations	innovation	NOUN
ajbmeb-1131	101	8	and	and	CCONJ
ajbmeb-1131	101	9	comply	comply	VERB
ajbmeb-1131	101	10	with	with	ADP
ajbmeb-1131	101	11	the	the	DET
ajbmeb-1131	101	12	requirements	requirement	NOUN
ajbmeb-1131	101	13	of	of	ADP
ajbmeb-1131	101	14	the	the	DET
ajbmeb-1131	101	15	central	central	ADJ
ajbmeb-1131	101	16	bank	bank	NOUN
ajbmeb-1131	101	17	as	as	ADP
ajbmeb-1131	101	18	the	the	DET
ajbmeb-1131	101	19	regulator	regulator	NOUN
ajbmeb-1131	101	20	of	of	ADP
ajbmeb-1131	101	21	the	the	DET
ajbmeb-1131	101	22	banking	banking	NOUN
ajbmeb-1131	101	23	sector	sector	NOUN
ajbmeb-1131	101	24	.	.	PUNCT
ajbmeb-1131	102	1	it	it	PRON
ajbmeb-1131	102	2	updated	update	VERB
ajbmeb-1131	102	3	the	the	DET
ajbmeb-1131	102	4	electronic	electronic	ADJ
ajbmeb-1131	102	5	payment	payment	NOUN
ajbmeb-1131	102	6	instructions	instruction	NOUN
ajbmeb-1131	102	7	via	via	ADP
ajbmeb-1131	102	8	mobile	mobile	ADJ
ajbmeb-1131	102	9	phone	phone	NOUN
ajbmeb-1131	102	10	intending	intend	VERB
ajbmeb-1131	102	11	to	to	PART
ajbmeb-1131	102	12	organize	organize	VERB
ajbmeb-1131	102	13	and	and	CCONJ
ajbmeb-1131	102	14	manage	manage	VERB
ajbmeb-1131	102	15	the	the	DET
ajbmeb-1131	102	16	business	business	NOUN
ajbmeb-1131	102	17	of	of	ADP
ajbmeb-1131	102	18	payment	payment	NOUN
ajbmeb-1131	102	19	services	service	NOUN
ajbmeb-1131	102	20	by	by	ADP
ajbmeb-1131	102	21	phone	phone	NOUN
ajbmeb-1131	102	22	.	.	PUNCT
ajbmeb-1131	103	1	the	the	DET
ajbmeb-1131	103	2	iraqi	iraqi	ADJ
ajbmeb-1131	103	3	environment	environment	NOUN
ajbmeb-1131	103	4	wanted	want	VERB
ajbmeb-1131	103	5	to	to	PART
ajbmeb-1131	103	6	adopt	adopt	VERB
ajbmeb-1131	103	7	banking	banking	NOUN
ajbmeb-1131	103	8	technology	technology	NOUN
ajbmeb-1131	103	9	through	through	ADP
ajbmeb-1131	103	10	social	social	ADJ
ajbmeb-1131	103	11	networks	network	NOUN
ajbmeb-1131	103	12	.	.	PUNCT
ajbmeb-1131	104	1	banks	bank	NOUN
ajbmeb-1131	104	2	are	be	AUX
ajbmeb-1131	104	3	competing	compete	VERB
ajbmeb-1131	104	4	with	with	ADP
ajbmeb-1131	104	5	each	each	DET
ajbmeb-1131	104	6	other	other	ADJ
ajbmeb-1131	104	7	through	through	ADP
ajbmeb-1131	104	8	electronic	electronic	ADJ
ajbmeb-1131	104	9	banking	banking	NOUN
ajbmeb-1131	104	10	services	service	NOUN
ajbmeb-1131	104	11	provided	provide	VERB
ajbmeb-1131	104	12	in	in	ADP
ajbmeb-1131	104	13	the	the	DET
ajbmeb-1131	104	14	banking	banking	NOUN
ajbmeb-1131	104	15	sector	sector	NOUN
ajbmeb-1131	104	16	,	,	PUNCT
ajbmeb-1131	104	17	customers	customer	NOUN
ajbmeb-1131	104	18	are	be	AUX
ajbmeb-1131	104	19	becoming	become	VERB
ajbmeb-1131	104	20	smarter	smart	ADJ
ajbmeb-1131	104	21	,	,	PUNCT
ajbmeb-1131	104	22	and	and	CCONJ
ajbmeb-1131	104	23	their	their	PRON
ajbmeb-1131	104	24	preferences	preference	NOUN
ajbmeb-1131	104	25	are	be	AUX
ajbmeb-1131	104	26	changing	change	VERB
ajbmeb-1131	104	27	day	day	NOUN
ajbmeb-1131	104	28	by	by	ADP
ajbmeb-1131	104	29	day	day	NOUN
ajbmeb-1131	104	30	.	.	PUNCT
ajbmeb-1131	105	1	this	this	DET
ajbmeb-1131	105	2	changing	change	VERB
ajbmeb-1131	105	3	preference	preference	NOUN
ajbmeb-1131	105	4	of	of	ADP
ajbmeb-1131	105	5	customers	customer	NOUN
ajbmeb-1131	105	6	makes	make	VERB
ajbmeb-1131	105	7	it	it	PRON
ajbmeb-1131	105	8	difficult	difficult	ADJ
ajbmeb-1131	105	9	for	for	SCONJ
ajbmeb-1131	105	10	them	they	PRON
ajbmeb-1131	105	11	to	to	PART
ajbmeb-1131	105	12	accept	accept	VERB
ajbmeb-1131	105	13	mediocre	mediocre	ADJ
ajbmeb-1131	105	14	services	service	NOUN
ajbmeb-1131	105	15	rather	rather	ADV
ajbmeb-1131	105	16	than	than	ADP
ajbmeb-1131	105	17	demand	demand	VERB
ajbmeb-1131	105	18	excellent	excellent	ADJ
ajbmeb-1131	105	19	services	service	NOUN
ajbmeb-1131	105	20	.	.	PUNCT
ajbmeb-1131	106	1	customers	customer	NOUN
ajbmeb-1131	106	2	are	be	AUX
ajbmeb-1131	106	3	the	the	DET
ajbmeb-1131	106	4	main	main	ADJ
ajbmeb-1131	106	5	determinants	determinant	NOUN
ajbmeb-1131	106	6	of	of	ADP
ajbmeb-1131	106	7	what	what	PRON
ajbmeb-1131	106	8	will	will	AUX
ajbmeb-1131	106	9	happen	happen	VERB
ajbmeb-1131	106	10	to	to	ADP
ajbmeb-1131	106	11	service	service	NOUN
ajbmeb-1131	106	12	providers	provider	NOUN
ajbmeb-1131	106	13	,	,	PUNCT
ajbmeb-1131	106	14	which	which	PRON
ajbmeb-1131	106	15	is	be	AUX
ajbmeb-1131	106	16	why	why	SCONJ
ajbmeb-1131	106	17	they	they	PRON
ajbmeb-1131	106	18	are	be	AUX
ajbmeb-1131	106	19	referred	refer	VERB
ajbmeb-1131	106	20	to	to	ADP
ajbmeb-1131	106	21	as	as	ADP
ajbmeb-1131	106	22	the	the	DET
ajbmeb-1131	106	23	king	king	NOUN
ajbmeb-1131	106	24	of	of	ADP
ajbmeb-1131	106	25	the	the	DET
ajbmeb-1131	106	26	market	market	NOUN
ajbmeb-1131	106	27	.	.	PUNCT
ajbmeb-1131	107	1	in	in	ADP
ajbmeb-1131	107	2	this	this	DET
ajbmeb-1131	107	3	regard	regard	NOUN
ajbmeb-1131	107	4	,	,	PUNCT
ajbmeb-1131	107	5	banks	bank	NOUN
ajbmeb-1131	107	6	seek	seek	VERB
ajbmeb-1131	107	7	to	to	PART
ajbmeb-1131	107	8	retain	retain	VERB
ajbmeb-1131	107	9	their	their	PRON
ajbmeb-1131	107	10	customers	customer	NOUN
ajbmeb-1131	107	11	by	by	ADP
ajbmeb-1131	107	12	providing	provide	VERB
ajbmeb-1131	107	13	them	they	PRON
ajbmeb-1131	107	14	with	with	ADP
ajbmeb-1131	107	15	excellent	excellent	ADJ
ajbmeb-1131	107	16	services	service	NOUN
ajbmeb-1131	107	17	for	for	ADP
ajbmeb-1131	107	18	achieving	achieve	VERB
ajbmeb-1131	107	19	customer	customer	NOUN
ajbmeb-1131	107	20	retention	retention	NOUN
ajbmeb-1131	107	21	and	and	CCONJ
ajbmeb-1131	107	22	loyalty	loyalty	NOUN
ajbmeb-1131	107	23	(	(	PUNCT
ajbmeb-1131	107	24	mukherjee	mukherjee	NOUN
ajbmeb-1131	107	25	,	,	PUNCT
ajbmeb-1131	107	26	2021	2021	NUM
ajbmeb-1131	107	27	,	,	PUNCT
ajbmeb-1131	107	28	595	595	NUM
ajbmeb-1131	107	29	)	)	PUNCT
ajbmeb-1131	107	30	.	.	PUNCT
ajbmeb-1131	108	1	information	information	NOUN
ajbmeb-1131	108	2	technology	technology	NOUN
ajbmeb-1131	108	3	has	have	AUX
ajbmeb-1131	108	4	become	become	VERB
ajbmeb-1131	108	5	essential	essential	ADJ
ajbmeb-1131	108	6	for	for	ADP
ajbmeb-1131	108	7	business	business	NOUN
ajbmeb-1131	108	8	survival	survival	NOUN
ajbmeb-1131	108	9	in	in	ADP
ajbmeb-1131	108	10	the	the	DET
ajbmeb-1131	108	11	current	current	ADJ
ajbmeb-1131	108	12	era	era	NOUN
ajbmeb-1131	108	13	.	.	PUNCT
ajbmeb-1131	109	1	however	however	ADV
ajbmeb-1131	109	2	,	,	PUNCT
ajbmeb-1131	109	3	banking	banking	NOUN
ajbmeb-1131	109	4	technology	technology	NOUN
ajbmeb-1131	109	5	has	have	AUX
ajbmeb-1131	109	6	been	be	AUX
ajbmeb-1131	109	7	recognized	recognize	VERB
ajbmeb-1131	109	8	as	as	ADP
ajbmeb-1131	109	9	one	one	NUM
ajbmeb-1131	109	10	of	of	ADP
ajbmeb-1131	109	11	the	the	DET
ajbmeb-1131	109	12	most	most	ADV
ajbmeb-1131	109	13	important	important	ADJ
ajbmeb-1131	109	14	innovations	innovation	NOUN
ajbmeb-1131	109	15	in	in	ADP
ajbmeb-1131	109	16	the	the	DET
ajbmeb-1131	109	17	banking	banking	NOUN
ajbmeb-1131	109	18	industry	industry	NOUN
ajbmeb-1131	109	19	and	and	CCONJ
ajbmeb-1131	109	20	is	be	AUX
ajbmeb-1131	109	21	developing	develop	VERB
ajbmeb-1131	109	22	at	at	ADP
ajbmeb-1131	109	23	a	a	DET
ajbmeb-1131	109	24	rapid	rapid	ADJ
ajbmeb-1131	109	25	pace	pace	NOUN
ajbmeb-1131	109	26	.	.	PUNCT
ajbmeb-1131	110	1	by	by	ADP
ajbmeb-1131	110	2	reshaping	reshape	VERB
ajbmeb-1131	110	3	the	the	DET
ajbmeb-1131	110	4	banking	banking	NOUN
ajbmeb-1131	110	5	industry	industry	NOUN
ajbmeb-1131	110	6	by	by	ADP
ajbmeb-1131	110	7	reducing	reduce	VERB
ajbmeb-1131	110	8	costs	cost	NOUN
ajbmeb-1131	110	9	,	,	PUNCT
ajbmeb-1131	110	10	improving	improve	VERB
ajbmeb-1131	110	11	the	the	DET
ajbmeb-1131	110	12	quality	quality	NOUN
ajbmeb-1131	110	13	of	of	ADP
ajbmeb-1131	110	14	financial	financial	ADJ
ajbmeb-1131	110	15	services	service	NOUN
ajbmeb-1131	110	16	,	,	PUNCT
ajbmeb-1131	110	17	and	and	CCONJ
ajbmeb-1131	110	18	creating	create	VERB
ajbmeb-1131	110	19	a	a	DET
ajbmeb-1131	110	20	more	more	ADV
ajbmeb-1131	110	21	diversified	diversified	ADJ
ajbmeb-1131	110	22	and	and	CCONJ
ajbmeb-1131	110	23	stable	stable	ADJ
ajbmeb-1131	110	24	financial	financial	ADJ
ajbmeb-1131	110	25	landscape	landscape	NOUN
ajbmeb-1131	110	26	(	(	PUNCT
ajbmeb-1131	110	27	salman	salman	PROPN
ajbmeb-1131	110	28	,	,	PUNCT
ajbmeb-1131	110	29	2020	2020	NUM
ajbmeb-1131	110	30	,	,	PUNCT
ajbmeb-1131	110	31	436	436	NUM
ajbmeb-1131	110	32	)	)	PUNCT
ajbmeb-1131	110	33	.	.	PUNCT
ajbmeb-1131	111	1	banking	banking	NOUN
ajbmeb-1131	111	2	technology	technology	NOUN
ajbmeb-1131	111	3	eliminates	eliminate	VERB
ajbmeb-1131	111	4	traditional	traditional	ADJ
ajbmeb-1131	111	5	intermediaries	intermediary	NOUN
ajbmeb-1131	111	6	while	while	SCONJ
ajbmeb-1131	111	7	providing	provide	VERB
ajbmeb-1131	111	8	financial	financial	ADJ
ajbmeb-1131	111	9	services	service	NOUN
ajbmeb-1131	111	10	(	(	PUNCT
ajbmeb-1131	111	11	thakor	thakor	NOUN
ajbmeb-1131	111	12	,	,	PUNCT
ajbmeb-1131	111	13	2020	2020	NUM
ajbmeb-1131	111	14	,	,	PUNCT
ajbmeb-1131	111	15	284	284	NUM
ajbmeb-1131	111	16	)	)	PUNCT
ajbmeb-1131	111	17	.	.	PUNCT
ajbmeb-1131	112	1	recent	recent	ADJ
ajbmeb-1131	112	2	global	global	ADJ
ajbmeb-1131	112	3	trends	trend	NOUN
ajbmeb-1131	112	4	and	and	CCONJ
ajbmeb-1131	112	5	the	the	DET
ajbmeb-1131	112	6	need	need	NOUN
ajbmeb-1131	112	7	for	for	ADP
ajbmeb-1131	112	8	faster	fast	ADJ
ajbmeb-1131	112	9	and	and	CCONJ
ajbmeb-1131	112	10	costeffective	costeffective	ADJ
ajbmeb-1131	112	11	access	access	NOUN
ajbmeb-1131	112	12	to	to	ADP
ajbmeb-1131	112	13	banking	banking	NOUN
ajbmeb-1131	112	14	services	service	NOUN
ajbmeb-1131	112	15	are	be	AUX
ajbmeb-1131	112	16	the	the	DET
ajbmeb-1131	112	17	ultimate	ultimate	ADJ
ajbmeb-1131	112	18	motivation	motivation	NOUN
ajbmeb-1131	112	19	for	for	ADP
ajbmeb-1131	112	20	this	this	DET
ajbmeb-1131	112	21	research	research	NOUN
ajbmeb-1131	112	22	.	.	PUNCT
ajbmeb-1131	113	1	moreover	moreover	ADV
ajbmeb-1131	113	2	,	,	PUNCT
ajbmeb-1131	113	3	developments	development	NOUN
ajbmeb-1131	113	4	in	in	ADP
ajbmeb-1131	113	5	global	global	ADJ
ajbmeb-1131	113	6	trends	trend	NOUN
ajbmeb-1131	113	7	have	have	AUX
ajbmeb-1131	113	8	had	have	VERB
ajbmeb-1131	113	9	an	an	DET
ajbmeb-1131	113	10	important	important	ADJ
ajbmeb-1131	113	11	and	and	CCONJ
ajbmeb-1131	113	12	decisive	decisive	ADJ
ajbmeb-1131	113	13	impact	impact	NOUN
ajbmeb-1131	113	14	on	on	ADP
ajbmeb-1131	113	15	the	the	DET
ajbmeb-1131	113	16	global	global	ADJ
ajbmeb-1131	113	17	banking	banking	NOUN
ajbmeb-1131	113	18	sector	sector	NOUN
ajbmeb-1131	113	19	in	in	ADP
ajbmeb-1131	113	20	recent	recent	ADJ
ajbmeb-1131	113	21	years	year	NOUN
ajbmeb-1131	113	22	.	.	PUNCT
ajbmeb-1131	114	1	banks	bank	NOUN
ajbmeb-1131	114	2	face	face	VERB
ajbmeb-1131	114	3	a	a	DET
ajbmeb-1131	114	4	challenge	challenge	NOUN
ajbmeb-1131	114	5	in	in	ADP
ajbmeb-1131	114	6	terms	term	NOUN
ajbmeb-1131	114	7	of	of	ADP
ajbmeb-1131	114	8	finding	find	VERB
ajbmeb-1131	114	9	appropriate	appropriate	ADJ
ajbmeb-1131	114	10	investments	investment	NOUN
ajbmeb-1131	114	11	in	in	ADP
ajbmeb-1131	114	12	banking	banking	NOUN
ajbmeb-1131	114	13	technology	technology	NOUN
ajbmeb-1131	114	14	to	to	PART
ajbmeb-1131	114	15	increase	increase	VERB
ajbmeb-1131	114	16	their	their	PRON
ajbmeb-1131	114	17	competitive	competitive	ADJ
ajbmeb-1131	114	18	strength	strength	NOUN
ajbmeb-1131	114	19	and	and	CCONJ
ajbmeb-1131	114	20	meet	meet	VERB
ajbmeb-1131	114	21	the	the	DET
ajbmeb-1131	114	22	demand	demand	NOUN
ajbmeb-1131	114	23	of	of	ADP
ajbmeb-1131	114	24	new	new	ADJ
ajbmeb-1131	114	25	customers	customer	NOUN
ajbmeb-1131	114	26	in	in	ADP
ajbmeb-1131	114	27	different	different	ADJ
ajbmeb-1131	114	28	countries	country	NOUN
ajbmeb-1131	114	29	.	.	PUNCT
ajbmeb-1131	115	1	it	it	PRON
ajbmeb-1131	115	2	has	have	AUX
ajbmeb-1131	115	3	become	become	VERB
ajbmeb-1131	115	4	very	very	ADV
ajbmeb-1131	115	5	difficult	difficult	ADJ
ajbmeb-1131	115	6	for	for	SCONJ
ajbmeb-1131	115	7	businesses	business	NOUN
ajbmeb-1131	115	8	to	to	PART
ajbmeb-1131	115	9	thrive	thrive	VERB
ajbmeb-1131	115	10	without	without	ADP
ajbmeb-1131	115	11	information	information	NOUN
ajbmeb-1131	115	12	technology	technology	NOUN
ajbmeb-1131	115	13	and	and	CCONJ
ajbmeb-1131	115	14	it	it	PRON
ajbmeb-1131	115	15	has	have	AUX
ajbmeb-1131	115	16	become	become	VERB
ajbmeb-1131	115	17	possible	possible	ADJ
ajbmeb-1131	115	18	for	for	SCONJ
ajbmeb-1131	115	19	managers	manager	NOUN
ajbmeb-1131	115	20	to	to	PART
ajbmeb-1131	115	21	select	select	VERB
ajbmeb-1131	115	22	relevant	relevant	ADJ
ajbmeb-1131	115	23	information	information	NOUN
ajbmeb-1131	115	24	without	without	ADP
ajbmeb-1131	115	25	wasting	waste	VERB
ajbmeb-1131	115	26	time	time	NOUN
ajbmeb-1131	115	27	(	(	PUNCT
ajbmeb-1131	115	28	hashem	hashem	NOUN
ajbmeb-1131	115	29	,	,	PUNCT
ajbmeb-1131	115	30	2021	2021	NUM
ajbmeb-1131	115	31	,	,	PUNCT
ajbmeb-1131	115	32	712	712	NUM
ajbmeb-1131	115	33	)	)	PUNCT
ajbmeb-1131	115	34	.	.	PUNCT
ajbmeb-1131	116	1	despite	despite	SCONJ
ajbmeb-1131	116	2	the	the	DET
ajbmeb-1131	116	3	state	state	NOUN
ajbmeb-1131	116	4	's	's	PART
ajbmeb-1131	116	5	approach	approach	NOUN
ajbmeb-1131	116	6	to	to	ADP
ajbmeb-1131	116	7	digital	digital	ADJ
ajbmeb-1131	116	8	payment	payment	NOUN
ajbmeb-1131	116	9	methods	method	NOUN
ajbmeb-1131	116	10	and	and	CCONJ
ajbmeb-1131	116	11	the	the	DET
ajbmeb-1131	116	12	replacement	replacement	NOUN
ajbmeb-1131	116	13	of	of	ADP
ajbmeb-1131	116	14	digital	digital	ADJ
ajbmeb-1131	116	15	payment	payment	NOUN
ajbmeb-1131	116	16	american	american	PROPN
ajbmeb-1131	116	17	journal	journal	PROPN
ajbmeb-1131	116	18	of	of	ADP
ajbmeb-1131	116	19	business	business	NOUN
ajbmeb-1131	116	20	management	management	NOUN
ajbmeb-1131	116	21	,	,	PUNCT
ajbmeb-1131	116	22	economics	economic	NOUN
ajbmeb-1131	116	23	and	and	CCONJ
ajbmeb-1131	116	24	banking	banking	NOUN
ajbmeb-1131	116	25	volume	volume	NOUN
ajbmeb-1131	116	26	15	15	NUM
ajbmeb-1131	116	27	august	august	PROPN
ajbmeb-1131	116	28	,	,	PUNCT
ajbmeb-1131	116	29	2023	2023	NUM
ajbmeb-1131	116	30	p	p	NOUN
ajbmeb-1131	116	31	a	a	DET
ajbmeb-1131	116	32	g	g	NOUN
ajbmeb-1131	116	33	e	e	NOUN
ajbmeb-1131	116	34	|	|	ADV
ajbmeb-1131	116	35	46	46	NUM
ajbmeb-1131	116	36	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1131	116	37	cards	card	NOUN
ajbmeb-1131	116	38	instead	instead	ADV
ajbmeb-1131	116	39	of	of	ADP
ajbmeb-1131	116	40	cash	cash	NOUN
ajbmeb-1131	116	41	payment	payment	NOUN
ajbmeb-1131	116	42	,	,	PUNCT
ajbmeb-1131	116	43	iraq	iraq	PROPN
ajbmeb-1131	116	44	still	still	ADV
ajbmeb-1131	116	45	has	have	VERB
ajbmeb-1131	116	46	a	a	DET
ajbmeb-1131	116	47	long	long	ADJ
ajbmeb-1131	116	48	way	way	NOUN
ajbmeb-1131	116	49	to	to	PART
ajbmeb-1131	116	50	go	go	VERB
ajbmeb-1131	116	51	,	,	PUNCT
ajbmeb-1131	116	52	and	and	CCONJ
ajbmeb-1131	116	53	in	in	ADP
ajbmeb-1131	116	54	this	this	DET
ajbmeb-1131	116	55	regard	regard	NOUN
ajbmeb-1131	116	56	.	.	PUNCT
ajbmeb-1131	117	1	we	we	PRON
ajbmeb-1131	117	2	study	study	VERB
ajbmeb-1131	117	3	this	this	DET
ajbmeb-1131	117	4	research	research	NOUN
ajbmeb-1131	117	5	in	in	ADP
ajbmeb-1131	117	6	depth	depth	NOUN
ajbmeb-1131	117	7	and	and	CCONJ
ajbmeb-1131	117	8	define	define	VERB
ajbmeb-1131	117	9	the	the	DET
ajbmeb-1131	117	10	environment	environment	NOUN
ajbmeb-1131	117	11	and	and	CCONJ
ajbmeb-1131	117	12	infrastructure	infrastructure	NOUN
ajbmeb-1131	117	13	of	of	ADP
ajbmeb-1131	117	14	the	the	DET
ajbmeb-1131	117	15	banking	banking	NOUN
ajbmeb-1131	117	16	system	system	NOUN
ajbmeb-1131	117	17	in	in	ADP
ajbmeb-1131	117	18	iraq	iraq	PROPN
ajbmeb-1131	117	19	,	,	PUNCT
ajbmeb-1131	117	20	as	as	SCONJ
ajbmeb-1131	117	21	it	it	PRON
ajbmeb-1131	117	22	aims	aim	VERB
ajbmeb-1131	117	23	to	to	PART
ajbmeb-1131	117	24	adopt	adopt	VERB
ajbmeb-1131	117	25	banking	banking	NOUN
ajbmeb-1131	117	26	technology	technology	NOUN
ajbmeb-1131	117	27	for	for	ADP
ajbmeb-1131	117	28	the	the	DET
ajbmeb-1131	117	29	transformation	transformation	NOUN
ajbmeb-1131	117	30	of	of	ADP
ajbmeb-1131	117	31	traditional	traditional	ADJ
ajbmeb-1131	117	32	banking	banking	NOUN
ajbmeb-1131	117	33	in	in	ADP
ajbmeb-1131	117	34	iraq	iraq	PROPN
ajbmeb-1131	117	35	into	into	ADP
ajbmeb-1131	117	36	a	a	DET
ajbmeb-1131	117	37	modern	modern	ADJ
ajbmeb-1131	117	38	system	system	NOUN
ajbmeb-1131	117	39	.	.	PUNCT
ajbmeb-1131	118	1	this	this	PRON
ajbmeb-1131	118	2	can	can	AUX
ajbmeb-1131	118	3	significantly	significantly	ADV
ajbmeb-1131	118	4	improve	improve	VERB
ajbmeb-1131	118	5	the	the	DET
ajbmeb-1131	118	6	quality	quality	NOUN
ajbmeb-1131	118	7	of	of	ADP
ajbmeb-1131	118	8	banking	banking	NOUN
ajbmeb-1131	118	9	services	service	NOUN
ajbmeb-1131	118	10	and	and	CCONJ
ajbmeb-1131	118	11	help	help	VERB
ajbmeb-1131	118	12	achieve	achieve	VERB
ajbmeb-1131	118	13	and	and	CCONJ
ajbmeb-1131	118	14	promote	promote	VERB
ajbmeb-1131	118	15	the	the	DET
ajbmeb-1131	118	16	idea	idea	NOUN
ajbmeb-1131	118	17	of	of	ADP
ajbmeb-1131	118	18	proper	proper	ADJ
ajbmeb-1131	118	19	financial	financial	ADJ
ajbmeb-1131	118	20	inclusion	inclusion	NOUN
ajbmeb-1131	118	21	,	,	PUNCT
ajbmeb-1131	118	22	offering	offer	VERB
ajbmeb-1131	118	23	a	a	DET
ajbmeb-1131	118	24	competitive	competitive	ADJ
ajbmeb-1131	118	25	advantage	advantage	NOUN
ajbmeb-1131	118	26	.	.	PUNCT
ajbmeb-1131	119	1	thus	thus	ADV
ajbmeb-1131	119	2	,	,	PUNCT
ajbmeb-1131	119	3	we	we	PRON
ajbmeb-1131	119	4	can	can	AUX
ajbmeb-1131	119	5	enable	enable	VERB
ajbmeb-1131	119	6	these	these	DET
ajbmeb-1131	119	7	sectors	sector	NOUN
ajbmeb-1131	119	8	to	to	PART
ajbmeb-1131	119	9	compete	compete	VERB
ajbmeb-1131	119	10	with	with	ADP
ajbmeb-1131	119	11	other	other	ADJ
ajbmeb-1131	119	12	advanced	advanced	ADJ
ajbmeb-1131	119	13	sectors	sector	NOUN
ajbmeb-1131	119	14	.	.	PUNCT
ajbmeb-1131	120	1	4.2automated	4.2automated	ADJ
ajbmeb-1131	120	2	teller	teller	NOUN
ajbmeb-1131	120	3	machines	machine	NOUN
ajbmeb-1131	120	4	:	:	PUNCT
ajbmeb-1131	120	5	figure	figure	NOUN
ajbmeb-1131	120	6	(	(	PUNCT
ajbmeb-1131	120	7	6	6	NUM
ajbmeb-1131	120	8	)	)	PUNCT
ajbmeb-1131	120	9	shows	show	VERB
ajbmeb-1131	120	10	the	the	DET
ajbmeb-1131	120	11	number	number	NOUN
ajbmeb-1131	120	12	of	of	ADP
ajbmeb-1131	120	13	atms	atms	NOUN
ajbmeb-1131	120	14	in	in	ADP
ajbmeb-1131	120	15	some	some	DET
ajbmeb-1131	120	16	countries	country	NOUN
ajbmeb-1131	120	17	of	of	ADP
ajbmeb-1131	120	18	the	the	DET
ajbmeb-1131	120	19	arab	arab	ADJ
ajbmeb-1131	120	20	world	world	NOUN
ajbmeb-1131	120	21	,	,	PUNCT
ajbmeb-1131	120	22	so	so	ADV
ajbmeb-1131	120	23	we	we	PRON
ajbmeb-1131	120	24	notice	notice	VERB
ajbmeb-1131	120	25	that	that	SCONJ
ajbmeb-1131	120	26	there	there	PRON
ajbmeb-1131	120	27	is	be	VERB
ajbmeb-1131	120	28	a	a	DET
ajbmeb-1131	120	29	clear	clear	ADJ
ajbmeb-1131	120	30	discrepancy	discrepancy	NOUN
ajbmeb-1131	120	31	between	between	ADP
ajbmeb-1131	120	32	the	the	DET
ajbmeb-1131	120	33	arab	arab	PROPN
ajbmeb-1131	120	34	gulf	gulf	PROPN
ajbmeb-1131	120	35	countries	country	NOUN
ajbmeb-1131	120	36	and	and	CCONJ
ajbmeb-1131	120	37	other	other	ADJ
ajbmeb-1131	120	38	countries	country	NOUN
ajbmeb-1131	120	39	.	.	PUNCT
ajbmeb-1131	121	1	this	this	DET
ajbmeb-1131	121	2	matter	matter	NOUN
ajbmeb-1131	121	3	is	be	AUX
ajbmeb-1131	121	4	due	due	ADJ
ajbmeb-1131	121	5	to	to	ADP
ajbmeb-1131	121	6	the	the	DET
ajbmeb-1131	121	7	number	number	NOUN
ajbmeb-1131	121	8	of	of	ADP
ajbmeb-1131	121	9	machines	machine	NOUN
ajbmeb-1131	121	10	used	use	VERB
ajbmeb-1131	121	11	in	in	ADP
ajbmeb-1131	121	12	these	these	DET
ajbmeb-1131	121	13	countries	country	NOUN
ajbmeb-1131	121	14	,	,	PUNCT
ajbmeb-1131	121	15	which	which	PRON
ajbmeb-1131	121	16	confirms	confirm	VERB
ajbmeb-1131	121	17	that	that	SCONJ
ajbmeb-1131	121	18	individuals	individual	NOUN
ajbmeb-1131	121	19	in	in	ADP
ajbmeb-1131	121	20	the	the	DET
ajbmeb-1131	121	21	gulf	gulf	PROPN
ajbmeb-1131	121	22	countries	country	NOUN
ajbmeb-1131	121	23	prefer	prefer	VERB
ajbmeb-1131	121	24	electronic	electronic	ADJ
ajbmeb-1131	121	25	means	mean	NOUN
ajbmeb-1131	121	26	to	to	ADP
ajbmeb-1131	121	27	traditional	traditional	ADJ
ajbmeb-1131	121	28	means	mean	NOUN
ajbmeb-1131	121	29	in	in	ADP
ajbmeb-1131	121	30	settling	settling	NOUN
ajbmeb-1131	121	31	payments	payment	NOUN
ajbmeb-1131	121	32	,	,	PUNCT
ajbmeb-1131	121	33	and	and	CCONJ
ajbmeb-1131	121	34	we	we	PRON
ajbmeb-1131	121	35	note	note	VERB
ajbmeb-1131	121	36	that	that	SCONJ
ajbmeb-1131	121	37	iraq	iraq	PROPN
ajbmeb-1131	121	38	is	be	AUX
ajbmeb-1131	121	39	among	among	ADP
ajbmeb-1131	121	40	the	the	DET
ajbmeb-1131	121	41	last	last	ADJ
ajbmeb-1131	121	42	countries	country	NOUN
ajbmeb-1131	121	43	in	in	ADP
ajbmeb-1131	121	44	the	the	DET
ajbmeb-1131	121	45	above	above	ADJ
ajbmeb-1131	121	46	figure	figure	NOUN
ajbmeb-1131	121	47	.	.	PUNCT
ajbmeb-1131	122	1	the	the	DET
ajbmeb-1131	122	2	central	central	ADJ
ajbmeb-1131	122	3	bank	bank	NOUN
ajbmeb-1131	122	4	indicated	indicate	VERB
ajbmeb-1131	122	5	that	that	SCONJ
ajbmeb-1131	122	6	iraqi	iraqi	ADJ
ajbmeb-1131	122	7	banks	bank	NOUN
ajbmeb-1131	122	8	should	should	AUX
ajbmeb-1131	122	9	seek	seek	VERB
ajbmeb-1131	122	10	to	to	PART
ajbmeb-1131	122	11	increase	increase	VERB
ajbmeb-1131	122	12	the	the	DET
ajbmeb-1131	122	13	number	number	NOUN
ajbmeb-1131	122	14	of	of	ADP
ajbmeb-1131	122	15	machines	machine	NOUN
ajbmeb-1131	122	16	to	to	PART
ajbmeb-1131	122	17	enable	enable	VERB
ajbmeb-1131	122	18	individuals	individual	NOUN
ajbmeb-1131	122	19	to	to	PART
ajbmeb-1131	122	20	use	use	VERB
ajbmeb-1131	122	21	this	this	DET
ajbmeb-1131	122	22	technology	technology	NOUN
ajbmeb-1131	122	23	and	and	CCONJ
ajbmeb-1131	122	24	benefit	benefit	NOUN
ajbmeb-1131	122	25	from	from	ADP
ajbmeb-1131	122	26	financial	financial	ADJ
ajbmeb-1131	122	27	technology	technology	NOUN
ajbmeb-1131	122	28	with	with	ADP
ajbmeb-1131	122	29	its	its	PRON
ajbmeb-1131	122	30	various	various	ADJ
ajbmeb-1131	122	31	inventions	invention	NOUN
ajbmeb-1131	122	32	.	.	PUNCT
ajbmeb-1131	123	1	increasing	increase	VERB
ajbmeb-1131	123	2	the	the	DET
ajbmeb-1131	123	3	number	number	NOUN
ajbmeb-1131	123	4	of	of	ADP
ajbmeb-1131	123	5	machines	machine	NOUN
ajbmeb-1131	123	6	contributes	contribute	VERB
ajbmeb-1131	123	7	to	to	ADP
ajbmeb-1131	123	8	increasing	increase	VERB
ajbmeb-1131	123	9	financial	financial	ADJ
ajbmeb-1131	123	10	inclusion	inclusion	NOUN
ajbmeb-1131	123	11	.	.	PUNCT
ajbmeb-1131	124	1	figure	figure	NOUN
ajbmeb-1131	124	2	(	(	PUNCT
ajbmeb-1131	124	3	6	6	NUM
ajbmeb-1131	124	4	)	)	PUNCT
ajbmeb-1131	124	5	automated	automate	VERB
ajbmeb-1131	124	6	teller	teller	NOUN
ajbmeb-1131	124	7	machines	machine	NOUN
ajbmeb-1131	124	8	per	per	ADP
ajbmeb-1131	124	9	100,000	100,000	NUM
ajbmeb-1131	124	10	adults	adult	NOUN
ajbmeb-1131	124	11	in	in	ADP
ajbmeb-1131	124	12	2019	2019	NUM
ajbmeb-1131	124	13	-	-	SYM
ajbmeb-1131	124	14	2020	2020	NUM
ajbmeb-1131	124	15	source	source	NOUN
ajbmeb-1131	124	16	:	:	PUNCT
ajbmeb-1131	124	17	world	world	PROPN
ajbmeb-1131	124	18	bank	bank	PROPN
ajbmeb-1131	124	19	,	,	PUNCT
ajbmeb-1131	124	20	available	available	ADJ
ajbmeb-1131	124	21	at	at	ADP
ajbmeb-1131	124	22	https://data.albankaldawli.org/indicator/fb.atm.totl.p5?view=cha	https://data.albankaldawli.org/indicator/fb.atm.totl.p5?view=cha	ADJ
ajbmeb-1131	124	23	4.3electronic	4.3electronic	NUM
ajbmeb-1131	124	24	payment	payment	NOUN
ajbmeb-1131	124	25	services	service	NOUN
ajbmeb-1131	124	26	figure	figure	NOUN
ajbmeb-1131	124	27	(	(	PUNCT
ajbmeb-1131	124	28	7	7	NUM
ajbmeb-1131	124	29	)	)	PUNCT
ajbmeb-1131	124	30	indicates	indicate	VERB
ajbmeb-1131	124	31	the	the	DET
ajbmeb-1131	124	32	prevalence	prevalence	NOUN
ajbmeb-1131	124	33	of	of	ADP
ajbmeb-1131	124	34	electronic	electronic	ADJ
ajbmeb-1131	124	35	payment	payment	NOUN
ajbmeb-1131	124	36	services	service	NOUN
ajbmeb-1131	124	37	in	in	ADP
ajbmeb-1131	124	38	iraq	iraq	PROPN
ajbmeb-1131	124	39	to	to	ADP
ajbmeb-1131	124	40	the	the	DET
ajbmeb-1131	124	41	population	population	NOUN
ajbmeb-1131	124	42	.	.	PUNCT
ajbmeb-1131	125	1	each	each	DET
ajbmeb-1131	125	2	electronic	electronic	ADJ
ajbmeb-1131	125	3	payment	payment	NOUN
ajbmeb-1131	125	4	device	device	NOUN
ajbmeb-1131	125	5	corresponds	correspond	VERB
ajbmeb-1131	125	6	to	to	ADP
ajbmeb-1131	125	7	100,000	100,000	NUM
ajbmeb-1131	125	8	people	people	NOUN
ajbmeb-1131	125	9	,	,	PUNCT
ajbmeb-1131	125	10	as	as	SCONJ
ajbmeb-1131	125	11	we	we	PRON
ajbmeb-1131	125	12	note	note	VERB
ajbmeb-1131	125	13	that	that	SCONJ
ajbmeb-1131	125	14	the	the	DET
ajbmeb-1131	125	15	number	number	NOUN
ajbmeb-1131	125	16	of	of	ADP
ajbmeb-1131	125	17	atms	atms	PROPN
ajbmeb-1131	125	18	is	be	AUX
ajbmeb-1131	125	19	still	still	ADV
ajbmeb-1131	125	20	low	low	ADJ
ajbmeb-1131	125	21	.	.	PUNCT
ajbmeb-1131	126	1	the	the	DET
ajbmeb-1131	126	2	reason	reason	NOUN
ajbmeb-1131	126	3	for	for	ADP
ajbmeb-1131	126	4	this	this	PRON
ajbmeb-1131	126	5	is	be	AUX
ajbmeb-1131	126	6	due	due	ADJ
ajbmeb-1131	126	7	to	to	ADP
ajbmeb-1131	126	8	the	the	DET
ajbmeb-1131	126	9	adoption	adoption	NOUN
ajbmeb-1131	126	10	of	of	ADP
ajbmeb-1131	126	11	cash	cash	NOUN
ajbmeb-1131	126	12	dealing	deal	VERB
ajbmeb-1131	126	13	in	in	ADP
ajbmeb-1131	126	14	purchases	purchase	NOUN
ajbmeb-1131	126	15	and	and	CCONJ
ajbmeb-1131	126	16	the	the	DET
ajbmeb-1131	126	17	preference	preference	NOUN
ajbmeb-1131	126	18	of	of	ADP
ajbmeb-1131	126	19	individuals	individual	NOUN
ajbmeb-1131	126	20	for	for	ADP
ajbmeb-1131	126	21	direct	direct	ADJ
ajbmeb-1131	126	22	cash	cash	NOUN
ajbmeb-1131	126	23	dealing	dealing	NOUN
ajbmeb-1131	126	24	,	,	PUNCT
ajbmeb-1131	126	25	the	the	DET
ajbmeb-1131	126	26	central	central	ADJ
ajbmeb-1131	126	27	bank	bank	NOUN
ajbmeb-1131	126	28	of	of	ADP
ajbmeb-1131	126	29	iraq	iraq	PROPN
ajbmeb-1131	126	30	indicates	indicate	VERB
ajbmeb-1131	126	31	the	the	DET
ajbmeb-1131	126	32	reason	reason	NOUN
ajbmeb-1131	126	33	for	for	ADP
ajbmeb-1131	126	34	this	this	DET
ajbmeb-1131	126	35	decline	decline	NOUN
ajbmeb-1131	126	36	to	to	ADP
ajbmeb-1131	126	37	the	the	DET
ajbmeb-1131	126	38	weak	weak	ADJ
ajbmeb-1131	126	39	banking	banking	NOUN
ajbmeb-1131	126	40	culture	culture	NOUN
ajbmeb-1131	126	41	among	among	ADP
ajbmeb-1131	126	42	the	the	DET
ajbmeb-1131	126	43	customers	customer	NOUN
ajbmeb-1131	126	44	because	because	SCONJ
ajbmeb-1131	126	45	there	there	PRON
ajbmeb-1131	126	46	is	be	VERB
ajbmeb-1131	126	47	fear	fear	NOUN
ajbmeb-1131	126	48	on	on	ADP
ajbmeb-1131	126	49	the	the	DET
ajbmeb-1131	126	50	part	part	NOUN
ajbmeb-1131	126	51	of	of	ADP
ajbmeb-1131	126	52	individuals	individual	NOUN
ajbmeb-1131	126	53	in	in	ADP
ajbmeb-1131	126	54	dealing	deal	VERB
ajbmeb-1131	126	55	with	with	ADP
ajbmeb-1131	126	56	this	this	DET
ajbmeb-1131	126	57	service	service	NOUN
ajbmeb-1131	126	58	.	.	PUNCT
ajbmeb-1131	127	1	the	the	DET
ajbmeb-1131	127	2	iraqi	iraqi	ADJ
ajbmeb-1131	127	3	banking	banking	NOUN
ajbmeb-1131	127	4	system	system	NOUN
ajbmeb-1131	127	5	did	do	AUX
ajbmeb-1131	127	6	not	not	PART
ajbmeb-1131	127	7	encourage	encourage	VERB
ajbmeb-1131	127	8	commercial	commercial	ADJ
ajbmeb-1131	127	9	centers	center	NOUN
ajbmeb-1131	127	10	to	to	PART
ajbmeb-1131	127	11	open	open	VERB
ajbmeb-1131	127	12	accounts	account	NOUN
ajbmeb-1131	127	13	so	so	SCONJ
ajbmeb-1131	127	14	that	that	SCONJ
ajbmeb-1131	127	15	individuals	individual	NOUN
ajbmeb-1131	127	16	could	could	AUX
ajbmeb-1131	127	17	buy	buy	VERB
ajbmeb-1131	127	18	from	from	ADP
ajbmeb-1131	127	19	these	these	DET
ajbmeb-1131	127	20	centers	center	NOUN
ajbmeb-1131	127	21	through	through	ADP
ajbmeb-1131	127	22	plastic	plastic	ADJ
ajbmeb-1131	127	23	cards	card	NOUN
ajbmeb-1131	127	24	,	,	PUNCT
ajbmeb-1131	127	25	adding	add	VERB
ajbmeb-1131	127	26	to	to	ADP
ajbmeb-1131	127	27	the	the	DET
ajbmeb-1131	127	28	weakness	weakness	NOUN
ajbmeb-1131	127	29	of	of	ADP
ajbmeb-1131	127	30	the	the	DET
ajbmeb-1131	127	31	spread	spread	NOUN
ajbmeb-1131	127	32	of	of	ADP
ajbmeb-1131	127	33	atms	atms	NOUN
ajbmeb-1131	127	34	in	in	ADP
ajbmeb-1131	127	35	various	various	ADJ
ajbmeb-1131	127	36	places	place	NOUN
ajbmeb-1131	127	37	and	and	CCONJ
ajbmeb-1131	127	38	their	their	PRON
ajbmeb-1131	127	39	presence	presence	NOUN
ajbmeb-1131	127	40	in	in	ADP
ajbmeb-1131	127	41	banks	bank	NOUN
ajbmeb-1131	127	42	only	only	ADV
ajbmeb-1131	127	43	,	,	PUNCT
ajbmeb-1131	127	44	which	which	PRON
ajbmeb-1131	127	45	makes	make	VERB
ajbmeb-1131	127	46	it	it	PRON
ajbmeb-1131	127	47	difficult	difficult	ADJ
ajbmeb-1131	127	48	for	for	SCONJ
ajbmeb-1131	127	49	individuals	individual	NOUN
ajbmeb-1131	127	50	to	to	PART
ajbmeb-1131	127	51	access	access	VERB
ajbmeb-1131	127	52	the	the	DET
ajbmeb-1131	127	53	machines	machine	NOUN
ajbmeb-1131	127	54	for	for	ADP
ajbmeb-1131	127	55	cash	cash	NOUN
ajbmeb-1131	127	56	withdrawal	withdrawal	NOUN
ajbmeb-1131	127	57	.	.	PUNCT
ajbmeb-1131	128	1	however	however	ADV
ajbmeb-1131	128	2	,	,	PUNCT
ajbmeb-1131	128	3	what	what	PRON
ajbmeb-1131	128	4	we	we	PRON
ajbmeb-1131	128	5	notice	notice	VERB
ajbmeb-1131	128	6	is	be	AUX
ajbmeb-1131	128	7	that	that	SCONJ
ajbmeb-1131	128	8	there	there	PRON
ajbmeb-1131	128	9	is	be	VERB
ajbmeb-1131	128	10	an	an	DET
ajbmeb-1131	128	11	increase	increase	NOUN
ajbmeb-1131	128	12	in	in	ADP
ajbmeb-1131	128	13	poc	poc	PROPN
ajbmeb-1131	128	14	devices	device	NOUN
ajbmeb-1131	128	15	,	,	PUNCT
ajbmeb-1131	128	16	i.e.	i.e.	X
ajbmeb-1131	128	17	electronic	electronic	ADJ
ajbmeb-1131	128	18	payment	payment	NOUN
ajbmeb-1131	128	19	service	service	NOUN
ajbmeb-1131	128	20	devices	device	NOUN
ajbmeb-1131	128	21	,	,	PUNCT
ajbmeb-1131	128	22	and	and	CCONJ
ajbmeb-1131	128	23	this	this	PRON
ajbmeb-1131	128	24	is	be	AUX
ajbmeb-1131	128	25	a	a	DET
ajbmeb-1131	128	26	good	good	ADJ
ajbmeb-1131	128	27	sign	sign	NOUN
ajbmeb-1131	128	28	,	,	PUNCT
ajbmeb-1131	128	29	meaning	mean	VERB
ajbmeb-1131	128	30	that	that	SCONJ
ajbmeb-1131	128	31	there	there	PRON
ajbmeb-1131	128	32	is	be	VERB
ajbmeb-1131	128	33	a	a	DET
ajbmeb-1131	128	34	tendency	tendency	NOUN
ajbmeb-1131	128	35	by	by	ADP
ajbmeb-1131	128	36	individuals	individual	NOUN
ajbmeb-1131	128	37	to	to	PART
ajbmeb-1131	128	38	accept	accept	VERB
ajbmeb-1131	128	39	these	these	DET
ajbmeb-1131	128	40	services	service	NOUN
ajbmeb-1131	128	41	and	and	CCONJ
ajbmeb-1131	128	42	benefit	benefit	NOUN
ajbmeb-1131	128	43	from	from	ADP
ajbmeb-1131	128	44	them	they	PRON
ajbmeb-1131	128	45	in	in	ADP
ajbmeb-1131	128	46	purchases	purchase	NOUN
ajbmeb-1131	128	47	,	,	PUNCT
ajbmeb-1131	128	48	whether	whether	SCONJ
ajbmeb-1131	128	49	internal	internal	ADJ
ajbmeb-1131	128	50	or	or	CCONJ
ajbmeb-1131	128	51	external	external	ADJ
ajbmeb-1131	128	52	.	.	PUNCT
ajbmeb-1131	129	1	81.07	81.07	NUM
ajbmeb-1131	129	2	73.3	73.3	NUM
ajbmeb-1131	129	3	60.9	60.9	NUM
ajbmeb-1131	129	4	28.5	28.5	NUM
ajbmeb-1131	129	5	26.1	26.1	NUM
ajbmeb-1131	129	6	9.6	9.6	NUM
ajbmeb-1131	129	7	4.2	4.2	NUM
ajbmeb-1131	129	8	-20	-20	NUM
ajbmeb-1131	129	9	0	0	NUM
ajbmeb-1131	129	10	20	20	NUM
ajbmeb-1131	129	11	40	40	NUM
ajbmeb-1131	129	12	60	60	NUM
ajbmeb-1131	129	13	80	80	NUM
ajbmeb-1131	129	14	100	100	NUM
ajbmeb-1131	129	15	kuwait	kuwait	PROPN
ajbmeb-1131	129	16	saudi	saudi	PROPN
ajbmeb-1131	129	17	arabia	arabia	PROPN
ajbmeb-1131	129	18	uae	uae	PROPN
ajbmeb-1131	129	19	morocco	morocco	PROPN
ajbmeb-1131	129	20	jordan	jordan	PROPN
ajbmeb-1131	129	21	algeria	algeria	PROPN
ajbmeb-1131	129	22	iraq	iraq	PROPN
ajbmeb-1131	130	1	%	%	INTJ
ajbmeb-1131	130	2	https://data.albankaldawli.org/indicator/fb.atm.totl.p5?view=cha	https://data.albankaldawli.org/indicator/fb.atm.totl.p5?view=cha	PROPN
ajbmeb-1131	130	3	american	american	ADJ
ajbmeb-1131	130	4	journal	journal	PROPN
ajbmeb-1131	130	5	of	of	ADP
ajbmeb-1131	130	6	business	business	NOUN
ajbmeb-1131	130	7	management	management	NOUN
ajbmeb-1131	130	8	,	,	PUNCT
ajbmeb-1131	130	9	economics	economic	NOUN
ajbmeb-1131	130	10	and	and	CCONJ
ajbmeb-1131	130	11	banking	banking	NOUN
ajbmeb-1131	130	12	volume	volume	NOUN
ajbmeb-1131	130	13	15	15	NUM
ajbmeb-1131	130	14	august	august	PROPN
ajbmeb-1131	130	15	,	,	PUNCT
ajbmeb-1131	130	16	2023	2023	NUM
ajbmeb-1131	130	17	p	p	NOUN
ajbmeb-1131	130	18	a	a	DET
ajbmeb-1131	130	19	g	g	NOUN
ajbmeb-1131	130	20	e	e	NOUN
ajbmeb-1131	130	21	|	|	ADV
ajbmeb-1131	130	22	47	47	NUM
ajbmeb-1131	130	23	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1131	130	24	figure	figure	NOUN
ajbmeb-1131	130	25	(	(	PUNCT
ajbmeb-1131	130	26	7	7	NUM
ajbmeb-1131	130	27	)	)	PUNCT
ajbmeb-1131	130	28	the	the	DET
ajbmeb-1131	130	29	prevalence	prevalence	NOUN
ajbmeb-1131	130	30	of	of	ADP
ajbmeb-1131	130	31	electronic	electronic	ADJ
ajbmeb-1131	130	32	payment	payment	NOUN
ajbmeb-1131	130	33	services	service	NOUN
ajbmeb-1131	130	34	for	for	ADP
ajbmeb-1131	130	35	the	the	DET
ajbmeb-1131	130	36	population	population	NOUN
ajbmeb-1131	130	37	of	of	ADP
ajbmeb-1131	130	38	iraq	iraq	PROPN
ajbmeb-1131	130	39	source	source	NOUN
ajbmeb-1131	130	40	:	:	PUNCT
ajbmeb-1131	130	41	central	central	ADJ
ajbmeb-1131	130	42	bank	bank	PROPN
ajbmeb-1131	130	43	of	of	ADP
ajbmeb-1131	130	44	iraq	iraq	PROPN
ajbmeb-1131	130	45	,	,	PUNCT
ajbmeb-1131	130	46	financial	financial	ADJ
ajbmeb-1131	130	47	stability	stability	NOUN
ajbmeb-1131	130	48	report	report	NOUN
ajbmeb-1131	130	49	for	for	ADP
ajbmeb-1131	130	50	the	the	DET
ajbmeb-1131	130	51	year	year	NOUN
ajbmeb-1131	130	52	2021	2021	NUM
ajbmeb-1131	130	53	,	,	PUNCT
ajbmeb-1131	130	54	p.	p.	NOUN
ajbmeb-1131	130	55	147	147	NUM
ajbmeb-1131	130	56	.	.	PUNCT
ajbmeb-1131	131	1	4.4amounts	4.4amount	NOUN
ajbmeb-1131	131	2	transferred	transfer	VERB
ajbmeb-1131	131	3	from	from	ADP
ajbmeb-1131	131	4	mobile	mobile	ADJ
ajbmeb-1131	131	5	payment	payment	NOUN
ajbmeb-1131	131	6	companies	company	NOUN
ajbmeb-1131	131	7	figure	figure	VERB
ajbmeb-1131	131	8	(	(	PUNCT
ajbmeb-1131	131	9	8)	8)	NUM
ajbmeb-1131	131	10	percentage	percentage	NOUN
ajbmeb-1131	131	11	of	of	ADP
ajbmeb-1131	131	12	amounts	amount	NOUN
ajbmeb-1131	131	13	transferred	transfer	VERB
ajbmeb-1131	131	14	from	from	ADP
ajbmeb-1131	131	15	mobile	mobile	ADJ
ajbmeb-1131	131	16	payment	payment	NOUN
ajbmeb-1131	131	17	companies	company	NOUN
ajbmeb-1131	131	18	source	source	NOUN
ajbmeb-1131	131	19	:	:	PUNCT
ajbmeb-1131	131	20	central	central	ADJ
ajbmeb-1131	131	21	bank	bank	PROPN
ajbmeb-1131	131	22	of	of	ADP
ajbmeb-1131	131	23	iraq	iraq	PROPN
ajbmeb-1131	131	24	,	,	PUNCT
ajbmeb-1131	131	25	financial	financial	ADJ
ajbmeb-1131	131	26	stability	stability	NOUN
ajbmeb-1131	131	27	report	report	NOUN
ajbmeb-1131	131	28	for	for	ADP
ajbmeb-1131	131	29	the	the	DET
ajbmeb-1131	131	30	year	year	NOUN
ajbmeb-1131	131	31	2021	2021	NUM
ajbmeb-1131	131	32	,	,	PUNCT
ajbmeb-1131	131	33	p.	p.	NOUN
ajbmeb-1131	131	34	149	149	NUM
ajbmeb-1131	131	35	.	.	PUNCT
ajbmeb-1131	132	1	figure	figure	NOUN
ajbmeb-1131	132	2	(	(	PUNCT
ajbmeb-1131	132	3	8)	8)	NUM
ajbmeb-1131	132	4	indicates	indicate	VERB
ajbmeb-1131	132	5	the	the	DET
ajbmeb-1131	132	6	percentage	percentage	NOUN
ajbmeb-1131	132	7	of	of	ADP
ajbmeb-1131	132	8	the	the	DET
ajbmeb-1131	132	9	amounts	amount	NOUN
ajbmeb-1131	132	10	transferred	transfer	VERB
ajbmeb-1131	132	11	through	through	ADP
ajbmeb-1131	132	12	the	the	DET
ajbmeb-1131	132	13	electronic	electronic	ADJ
ajbmeb-1131	132	14	wallets	wallet	NOUN
ajbmeb-1131	132	15	of	of	ADP
ajbmeb-1131	132	16	the	the	DET
ajbmeb-1131	132	17	telecom	telecom	NOUN
ajbmeb-1131	132	18	companies	company	NOUN
ajbmeb-1131	132	19	operating	operate	VERB
ajbmeb-1131	132	20	in	in	ADP
ajbmeb-1131	132	21	iraq	iraq	PROPN
ajbmeb-1131	132	22	,	,	PUNCT
ajbmeb-1131	132	23	which	which	PRON
ajbmeb-1131	132	24	are	be	AUX
ajbmeb-1131	132	25	called	call	VERB
ajbmeb-1131	132	26	(	(	PUNCT
ajbmeb-1131	132	27	zain	zain	PROPN
ajbmeb-1131	132	28	cash	cash	PROPN
ajbmeb-1131	132	29	,	,	PUNCT
ajbmeb-1131	132	30	asia	asia	PROPN
ajbmeb-1131	132	31	hawala	hawala	PROPN
ajbmeb-1131	132	32	)	)	PUNCT
ajbmeb-1131	132	33	.	.	PUNCT
ajbmeb-1131	133	1	which	which	PRON
ajbmeb-1131	133	2	enables	enable	VERB
ajbmeb-1131	133	3	its	its	PRON
ajbmeb-1131	133	4	users	user	NOUN
ajbmeb-1131	133	5	to	to	PART
ajbmeb-1131	133	6	transfer	transfer	VERB
ajbmeb-1131	133	7	funds	fund	NOUN
ajbmeb-1131	133	8	between	between	ADP
ajbmeb-1131	133	9	other	other	ADJ
ajbmeb-1131	133	10	wallets	wallet	NOUN
ajbmeb-1131	133	11	to	to	ADP
ajbmeb-1131	133	12	other	other	ADJ
ajbmeb-1131	133	13	subscribers	subscriber	NOUN
ajbmeb-1131	133	14	and	and	CCONJ
ajbmeb-1131	133	15	the	the	DET
ajbmeb-1131	133	16	possibility	possibility	NOUN
ajbmeb-1131	133	17	of	of	ADP
ajbmeb-1131	133	18	paying	pay	VERB
ajbmeb-1131	133	19	financial	financial	ADJ
ajbmeb-1131	133	20	dues	due	NOUN
ajbmeb-1131	133	21	to	to	ADP
ajbmeb-1131	133	22	individuals	individual	NOUN
ajbmeb-1131	133	23	arising	arise	VERB
ajbmeb-1131	133	24	from	from	ADP
ajbmeb-1131	133	25	electronic	electronic	ADJ
ajbmeb-1131	133	26	purchases	purchase	NOUN
ajbmeb-1131	133	27	.	.	PUNCT
ajbmeb-1131	134	1	these	these	DET
ajbmeb-1131	134	2	wallets	wallet	NOUN
ajbmeb-1131	134	3	also	also	ADV
ajbmeb-1131	134	4	allow	allow	VERB
ajbmeb-1131	134	5	the	the	DET
ajbmeb-1131	134	6	deposit	deposit	NOUN
ajbmeb-1131	134	7	and	and	CCONJ
ajbmeb-1131	134	8	withdrawal	withdrawal	NOUN
ajbmeb-1131	134	9	of	of	ADP
ajbmeb-1131	134	10	funds	fund	NOUN
ajbmeb-1131	134	11	between	between	ADP
ajbmeb-1131	134	12	different	different	ADJ
ajbmeb-1131	134	13	wallets	wallet	NOUN
ajbmeb-1131	134	14	,	,	PUNCT
ajbmeb-1131	134	15	but	but	CCONJ
ajbmeb-1131	134	16	the	the	DET
ajbmeb-1131	134	17	transfer	transfer	NOUN
ajbmeb-1131	134	18	process	process	NOUN
ajbmeb-1131	134	19	is	be	AUX
ajbmeb-1131	134	20	limited	limit	VERB
ajbmeb-1131	134	21	within	within	ADP
ajbmeb-1131	134	22	the	the	DET
ajbmeb-1131	134	23	country	country	NOUN
ajbmeb-1131	134	24	and	and	CCONJ
ajbmeb-1131	134	25	does	do	AUX
ajbmeb-1131	134	26	not	not	PART
ajbmeb-1131	134	27	exceed	exceed	VERB
ajbmeb-1131	134	28	outside	outside	ADP
ajbmeb-1131	134	29	it	it	PRON
ajbmeb-1131	134	30	.	.	PUNCT
ajbmeb-1131	135	1	these	these	DET
ajbmeb-1131	135	2	companies	company	NOUN
ajbmeb-1131	135	3	are	be	AUX
ajbmeb-1131	135	4	preparing	prepare	VERB
ajbmeb-1131	135	5	to	to	PART
ajbmeb-1131	135	6	make	make	VERB
ajbmeb-1131	135	7	the	the	DET
ajbmeb-1131	135	8	limits	limit	NOUN
ajbmeb-1131	135	9	of	of	ADP
ajbmeb-1131	135	10	this	this	DET
ajbmeb-1131	135	11	service	service	NOUN
ajbmeb-1131	135	12	reach	reach	VERB
ajbmeb-1131	135	13	outside	outside	ADP
ajbmeb-1131	135	14	the	the	DET
ajbmeb-1131	135	15	borders	border	NOUN
ajbmeb-1131	135	16	of	of	ADP
ajbmeb-1131	135	17	iraq	iraq	PROPN
ajbmeb-1131	135	18	in	in	ADP
ajbmeb-1131	135	19	the	the	DET
ajbmeb-1131	135	20	2023	2023	NUM
ajbmeb-1131	135	21	plan	plan	NOUN
ajbmeb-1131	135	22	.	.	PUNCT
ajbmeb-1131	136	1	according	accord	VERB
ajbmeb-1131	136	2	to	to	ADP
ajbmeb-1131	136	3	the	the	DET
ajbmeb-1131	136	4	report	report	NOUN
ajbmeb-1131	136	5	of	of	ADP
ajbmeb-1131	136	6	the	the	DET
ajbmeb-1131	136	7	central	central	ADJ
ajbmeb-1131	136	8	bank	bank	PROPN
ajbmeb-1131	136	9	of	of	ADP
ajbmeb-1131	136	10	iraq	iraq	PROPN
ajbmeb-1131	136	11	,	,	PUNCT
ajbmeb-1131	136	12	it	it	PRON
ajbmeb-1131	136	13	indicates	indicate	VERB
ajbmeb-1131	136	14	the	the	DET
ajbmeb-1131	136	15	control	control	NOUN
ajbmeb-1131	136	16	of	of	ADP
ajbmeb-1131	136	17	zain	zain	PROPN
ajbmeb-1131	136	18	in	in	ADP
ajbmeb-1131	136	19	financial	financial	ADJ
ajbmeb-1131	136	20	transfer	transfer	NOUN
ajbmeb-1131	136	21	operations	operation	NOUN
ajbmeb-1131	136	22	and	and	CCONJ
ajbmeb-1131	136	23	the	the	DET
ajbmeb-1131	136	24	preparation	preparation	NOUN
ajbmeb-1131	136	25	of	of	ADP
ajbmeb-1131	136	26	money	money	NOUN
ajbmeb-1131	136	27	portfolios	portfolio	NOUN
ajbmeb-1131	136	28	,	,	PUNCT
ajbmeb-1131	136	29	compared	compare	VERB
ajbmeb-1131	136	30	to	to	ADP
ajbmeb-1131	136	31	asiacell	asiacell	ADJ
ajbmeb-1131	136	32	.	.	PUNCT
ajbmeb-1131	137	1	it	it	PRON
ajbmeb-1131	137	2	noted	note	VERB
ajbmeb-1131	137	3	that	that	SCONJ
ajbmeb-1131	137	4	these	these	DET
ajbmeb-1131	137	5	portfolios	portfolio	NOUN
ajbmeb-1131	137	6	have	have	AUX
ajbmeb-1131	137	7	been	be	AUX
ajbmeb-1131	137	8	growing	grow	VERB
ajbmeb-1131	137	9	continuously	continuously	ADV
ajbmeb-1131	137	10	over	over	ADP
ajbmeb-1131	137	11	the	the	DET
ajbmeb-1131	137	12	past	past	ADJ
ajbmeb-1131	137	13	four	four	NUM
ajbmeb-1131	137	14	years	year	NOUN
ajbmeb-1131	137	15	,	,	PUNCT
ajbmeb-1131	137	16	which	which	PRON
ajbmeb-1131	137	17	indicates	indicate	VERB
ajbmeb-1131	137	18	that	that	SCONJ
ajbmeb-1131	137	19	there	there	PRON
ajbmeb-1131	137	20	is	be	VERB
ajbmeb-1131	137	21	a	a	DET
ajbmeb-1131	137	22	need	need	NOUN
ajbmeb-1131	137	23	and	and	CCONJ
ajbmeb-1131	137	24	desire	desire	VERB
ajbmeb-1131	137	25	for	for	ADP
ajbmeb-1131	137	26	this	this	DET
ajbmeb-1131	137	27	service	service	NOUN
ajbmeb-1131	137	28	by	by	ADP
ajbmeb-1131	137	29	individuals	individual	NOUN
ajbmeb-1131	137	30	and	and	CCONJ
ajbmeb-1131	137	31	that	that	SCONJ
ajbmeb-1131	137	32	it	it	PRON
ajbmeb-1131	137	33	meets	meet	VERB
ajbmeb-1131	137	34	their	their	PRON
ajbmeb-1131	137	35	need	need	NOUN
ajbmeb-1131	137	36	for	for	ADP
ajbmeb-1131	137	37	purchases	purchase	NOUN
ajbmeb-1131	137	38	and	and	CCONJ
ajbmeb-1131	137	39	financial	financial	ADJ
ajbmeb-1131	137	40	transfers	transfer	NOUN
ajbmeb-1131	137	41	.	.	PUNCT
ajbmeb-1131	138	1	it	it	PRON
ajbmeb-1131	138	2	also	also	ADV
ajbmeb-1131	138	3	strengthens	strengthen	VERB
ajbmeb-1131	138	4	the	the	DET
ajbmeb-1131	138	5	banking	banking	NOUN
ajbmeb-1131	138	6	system	system	NOUN
ajbmeb-1131	138	7	on	on	ADP
ajbmeb-1131	138	8	the	the	DET
ajbmeb-1131	138	9	other	other	ADJ
ajbmeb-1131	138	10	hand	hand	NOUN
ajbmeb-1131	138	11	,	,	PUNCT
ajbmeb-1131	138	12	and	and	CCONJ
ajbmeb-1131	138	13	this	this	PRON
ajbmeb-1131	138	14	is	be	AUX
ajbmeb-1131	138	15	one	one	NUM
ajbmeb-1131	138	16	of	of	ADP
ajbmeb-1131	138	17	the	the	DET
ajbmeb-1131	138	18	innovations	innovation	NOUN
ajbmeb-1131	138	19	of	of	ADP
ajbmeb-1131	138	20	financial	financial	ADJ
ajbmeb-1131	138	21	technology	technology	NOUN
ajbmeb-1131	138	22	.	.	PUNCT
ajbmeb-1131	139	1	table	table	NOUN
ajbmeb-1131	139	2	(	(	PUNCT
ajbmeb-1131	139	3	1	1	X
ajbmeb-1131	139	4	)	)	PUNCT
ajbmeb-1131	139	5	shows	show	VERB
ajbmeb-1131	139	6	a	a	DET
ajbmeb-1131	139	7	comparison	comparison	NOUN
ajbmeb-1131	139	8	between	between	ADP
ajbmeb-1131	139	9	the	the	DET
ajbmeb-1131	139	10	research	research	NOUN
ajbmeb-1131	139	11	sample	sample	NOUN
ajbmeb-1131	139	12	countries	country	NOUN
ajbmeb-1131	139	13	to	to	PART
ajbmeb-1131	139	14	show	show	VERB
ajbmeb-1131	139	15	the	the	DET
ajbmeb-1131	139	16	size	size	NOUN
ajbmeb-1131	139	17	of	of	ADP
ajbmeb-1131	139	18	the	the	DET
ajbmeb-1131	139	19	digital	digital	ADJ
ajbmeb-1131	139	20	divide	divide	NOUN
ajbmeb-1131	139	21	in	in	ADP
ajbmeb-1131	139	22	banking	banking	NOUN
ajbmeb-1131	139	23	transactions	transaction	NOUN
ajbmeb-1131	139	24	and	and	CCONJ
ajbmeb-1131	139	25	the	the	DET
ajbmeb-1131	139	26	use	use	NOUN
ajbmeb-1131	139	27	of	of	ADP
ajbmeb-1131	139	28	financial	financial	ADJ
ajbmeb-1131	139	29	technology	technology	NOUN
ajbmeb-1131	139	30	in	in	ADP
ajbmeb-1131	139	31	the	the	DET
ajbmeb-1131	139	32	financial	financial	ADJ
ajbmeb-1131	139	33	transactions	transaction	NOUN
ajbmeb-1131	139	34	of	of	ADP
ajbmeb-1131	139	35	individuals	individual	NOUN
ajbmeb-1131	139	36	and	and	CCONJ
ajbmeb-1131	139	37	banks	bank	NOUN
ajbmeb-1131	139	38	.	.	PUNCT
ajbmeb-1131	140	1	1	1	NUM
ajbmeb-1131	140	2	.8	.8	NUM
ajbmeb-1131	140	3	2	2	NUM
ajbmeb-1131	140	4	.3	.3	NUM
ajbmeb-1131	140	5	2	2	NUM
ajbmeb-1131	140	6	.6	.6	NUM
ajbmeb-1131	140	7	2	2	NUM
ajbmeb-1131	140	8	.9	.9	NUM
ajbmeb-1131	140	9	3	3	NUM
ajbmeb-1131	140	10	.8	.8	NUM
ajbmeb-1131	140	11	2	2	NUM
ajbmeb-1131	140	12	.5	.5	NUM
ajbmeb-1131	140	13	5	5	NUM
ajbmeb-1131	140	14	.8	.8	NUM
ajbmeb-1131	140	15	5	5	NUM
ajbmeb-1131	140	16	.7	.7	NUM
ajbmeb-1131	140	17	9	9	NUM
ajbmeb-1131	140	18	.8	.8	NUM
ajbmeb-1131	140	19	2	2	NUM
ajbmeb-1131	140	20	0	0	NUM
ajbmeb-1131	141	1	.2	.2	NUM
ajbmeb-1131	141	2	1	1	NUM
ajbmeb-1131	141	3	3	3	NUM
ajbmeb-1131	141	4	.8	.8	NUM
ajbmeb-1131	141	5	1	1	NUM
ajbmeb-1131	141	6	7	7	NUM
ajbmeb-1131	141	7	.3	.3	NUM
ajbmeb-1131	141	8	1	1	NUM
ajbmeb-1131	141	9	9	9	NUM
ajbmeb-1131	141	10	.7	.7	NUM
ajbmeb-1131	141	11	3	3	NUM
ajbmeb-1131	141	12	2	2	NUM
ajbmeb-1131	141	13	.2	.2	NUM
ajbmeb-1131	141	14	3	3	NUM
ajbmeb-1131	141	15	5	5	NUM
ajbmeb-1131	141	16	.7	.7	NUM
ajbmeb-1131	141	17	0	0	NUM
ajbmeb-1131	141	18	5	5	NUM
ajbmeb-1131	141	19	10	10	NUM
ajbmeb-1131	141	20	15	15	NUM
ajbmeb-1131	141	21	20	20	NUM
ajbmeb-1131	141	22	25	25	NUM
ajbmeb-1131	141	23	30	30	NUM
ajbmeb-1131	141	24	35	35	NUM
ajbmeb-1131	141	25	40	40	NUM
ajbmeb-1131	141	26	2	2	NUM
ajbmeb-1131	141	27	0	0	NUM
ajbmeb-1131	141	28	1	1	NUM
ajbmeb-1131	141	29	7	7	NUM
ajbmeb-1131	141	30	2	2	NUM
ajbmeb-1131	141	31	0	0	NUM
ajbmeb-1131	141	32	1	1	NUM
ajbmeb-1131	141	33	8	8	NUM
ajbmeb-1131	141	34	2	2	NUM
ajbmeb-1131	141	35	0	0	NUM
ajbmeb-1131	141	36	1	1	NUM
ajbmeb-1131	141	37	9	9	NUM
ajbmeb-1131	141	38	2	2	NUM
ajbmeb-1131	141	39	0	0	NUM
ajbmeb-1131	141	40	2	2	NUM
ajbmeb-1131	141	41	0	0	NUM
ajbmeb-1131	141	42	2	2	NUM
ajbmeb-1131	141	43	0	0	NUM
ajbmeb-1131	141	44	2	2	NUM
ajbmeb-1131	141	45	1	1	NUM
ajbmeb-1131	141	46	atm	atm	NOUN
ajbmeb-1131	141	47	pos	pos	NOUN
ajbmeb-1131	141	48	poc	poc	NOUN
ajbmeb-1131	141	49	53.6	53.6	NUM
ajbmeb-1131	141	50	26.2	26.2	NUM
ajbmeb-1131	141	51	30.7	30.7	NUM
ajbmeb-1131	141	52	18	18	NUM
ajbmeb-1131	141	53	46.4	46.4	NUM
ajbmeb-1131	141	54	73.8	73.8	NUM
ajbmeb-1131	141	55	69.3	69.3	NUM
ajbmeb-1131	141	56	78.7	78.7	NUM
ajbmeb-1131	141	57	0	0	NUM
ajbmeb-1131	141	58	0	0	NUM
ajbmeb-1131	141	59	0.03	0.03	NUM
ajbmeb-1131	141	60	3.2	3.2	NUM
ajbmeb-1131	141	61	0	0	NUM
ajbmeb-1131	141	62	50	50	NUM
ajbmeb-1131	141	63	100	100	NUM
ajbmeb-1131	141	64	2018	2018	NUM
ajbmeb-1131	141	65	2019	2019	NUM
ajbmeb-1131	141	66	2020	2020	NUM
ajbmeb-1131	141	67	2021	2021	NUM
ajbmeb-1131	141	68	transferred	transfer	VERB
ajbmeb-1131	141	69	amounts	amount	NOUN
ajbmeb-1131	141	70	from	from	ADP
ajbmeb-1131	141	71	asia	asia	PROPN
ajbmeb-1131	141	72	hawala	hawala	PROPN
ajbmeb-1131	141	73	company	company	PROPN
ajbmeb-1131	141	74	american	american	PROPN
ajbmeb-1131	141	75	journal	journal	PROPN
ajbmeb-1131	141	76	of	of	ADP
ajbmeb-1131	141	77	business	business	NOUN
ajbmeb-1131	141	78	management	management	NOUN
ajbmeb-1131	141	79	,	,	PUNCT
ajbmeb-1131	141	80	economics	economic	NOUN
ajbmeb-1131	141	81	and	and	CCONJ
ajbmeb-1131	141	82	banking	banking	NOUN
ajbmeb-1131	141	83	volume	volume	NOUN
ajbmeb-1131	141	84	15	15	NUM
ajbmeb-1131	141	85	august	august	PROPN
ajbmeb-1131	141	86	,	,	PUNCT
ajbmeb-1131	141	87	2023	2023	NUM
ajbmeb-1131	141	88	p	p	NOUN
ajbmeb-1131	141	89	a	a	DET
ajbmeb-1131	141	90	g	g	NOUN
ajbmeb-1131	141	91	e	e	NOUN
ajbmeb-1131	141	92	|	|	ADV
ajbmeb-1131	141	93	48	48	NUM
ajbmeb-1131	141	94	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1131	141	95	table	table	NOUN
ajbmeb-1131	141	96	(	(	PUNCT
ajbmeb-1131	141	97	1	1	X
ajbmeb-1131	141	98	)	)	PUNCT
ajbmeb-1131	141	99	the	the	DET
ajbmeb-1131	141	100	volume	volume	NOUN
ajbmeb-1131	141	101	of	of	ADP
ajbmeb-1131	141	102	services	service	NOUN
ajbmeb-1131	141	103	provided	provide	VERB
ajbmeb-1131	141	104	by	by	ADP
ajbmeb-1131	141	105	the	the	DET
ajbmeb-1131	141	106	countries	country	NOUN
ajbmeb-1131	141	107	under	under	ADP
ajbmeb-1131	141	108	study	study	NOUN
ajbmeb-1131	141	109	for	for	ADP
ajbmeb-1131	141	110	the	the	DET
ajbmeb-1131	141	111	period	period	NOUN
ajbmeb-1131	141	112	(	(	PUNCT
ajbmeb-1131	141	113	2017	2017	NUM
ajbmeb-1131	141	114	-	-	SYM
ajbmeb-1131	141	115	2020	2020	NUM
ajbmeb-1131	141	116	(	(	PUNCT
ajbmeb-1131	141	117	egypt	egypt	PROPN
ajbmeb-1131	141	118	type	type	NOUN
ajbmeb-1131	141	119	of	of	ADP
ajbmeb-1131	141	120	service	service	NOUN
ajbmeb-1131	141	121	by	by	ADP
ajbmeb-1131	141	122	country	country	NOUN
ajbmeb-1131	141	123	2017	2017	NUM
ajbmeb-1131	141	124	2018	2018	NUM
ajbmeb-1131	141	125	2019	2019	NUM
ajbmeb-1131	141	126	2020	2020	NUM
ajbmeb-1131	141	127	2021	2021	NUM
ajbmeb-1131	141	128	time	time	NOUN
ajbmeb-1131	141	129	period	period	NOUN
ajbmeb-1131	141	130	30362	30362	NUM
ajbmeb-1131	141	131	32077	32077	NUM
ajbmeb-1131	141	132	39609	39609	NUM
ajbmeb-1131	141	133	52366	52366	NUM
ajbmeb-1131	141	134	the	the	DET
ajbmeb-1131	141	135	electronic	electronic	ADJ
ajbmeb-1131	141	136	card	card	NOUN
ajbmeb-1131	141	137	7.85	7.85	NUM
ajbmeb-1131	142	1	10.7	10.7	NUM
ajbmeb-1131	142	2	13.14	13.14	NUM
ajbmeb-1131	142	3	18.4	18.4	NUM
ajbmeb-1131	142	4	23.17	23.17	NUM
ajbmeb-1131	142	5	e	e	NOUN
ajbmeb-1131	142	6	-	-	NOUN
ajbmeb-1131	142	7	wallets	wallet	NOUN
ajbmeb-1131	142	8	kuwait	kuwait	NOUN
ajbmeb-1131	142	9	1.25	1.25	NUM
ajbmeb-1131	142	10	1.5	1.5	NUM
ajbmeb-1131	142	11	1.5	1.5	NUM
ajbmeb-1131	142	12	1.25	1.25	NUM
ajbmeb-1131	142	13	1.5	1.5	NUM
ajbmeb-1131	142	14	atms	atms	NOUN
ajbmeb-1131	142	15	55	55	NUM
ajbmeb-1131	142	16	65	65	NUM
ajbmeb-1131	142	17	73	73	NUM
ajbmeb-1131	142	18	78	78	NUM
ajbmeb-1131	142	19	84	84	NUM
ajbmeb-1131	142	20	point	point	NOUN
ajbmeb-1131	142	21	of	of	ADP
ajbmeb-1131	142	22	sale	sale	NOUN
ajbmeb-1131	142	23	devices	device	NOUN
ajbmeb-1131	142	24	750	750	NUM
ajbmeb-1131	142	25	1000	1000	NUM
ajbmeb-1131	142	26	1300	1300	NUM
ajbmeb-1131	142	27	1500	1500	NUM
ajbmeb-1131	142	28	1700	1700	NUM
ajbmeb-1131	142	29	digital	digital	ADJ
ajbmeb-1131	142	30	services	service	NOUN
ajbmeb-1131	142	31	iraq	iraq	PROPN
ajbmeb-1131	142	32	11.7	11.7	NUM
ajbmeb-1131	142	33	15.1	15.1	NUM
ajbmeb-1131	142	34	26.6	26.6	NUM
ajbmeb-1131	142	35	29.5	29.5	NUM
ajbmeb-1131	142	36	33.5	33.5	NUM
ajbmeb-1131	142	37	poc	poc	NOUN
ajbmeb-1131	142	38	2.1	2.1	NUM
ajbmeb-1131	142	39	5	5	NUM
ajbmeb-1131	142	40	5.1	5.1	NUM
ajbmeb-1131	142	41	8.9	8.9	NUM
ajbmeb-1131	142	42	19	19	NUM
ajbmeb-1131	142	43	pos	pos	NOUN
ajbmeb-1131	142	44	11.7	11.7	NUM
ajbmeb-1131	142	45	15.1	15.1	NUM
ajbmeb-1131	142	46	26.6	26.6	NUM
ajbmeb-1131	142	47	29.5	29.5	NUM
ajbmeb-1131	142	48	33.5	33.5	NUM
ajbmeb-1131	142	49	atm	atm	NOUN
ajbmeb-1131	142	50	46.4	46.4	NUM
ajbmeb-1131	142	51	73.8	73.8	NUM
ajbmeb-1131	142	52	69.3	69.3	NUM
ajbmeb-1131	142	53	78.7	78.7	NUM
ajbmeb-1131	142	54	zain	zain	PROPN
ajbmeb-1131	142	55	cash	cash	NOUN
ajbmeb-1131	142	56	53.6	53.6	NUM
ajbmeb-1131	142	57	26.2	26.2	NUM
ajbmeb-1131	142	58	30.7	30.7	NUM
ajbmeb-1131	142	59	18	18	NUM
ajbmeb-1131	142	60	asia	asia	PROPN
ajbmeb-1131	142	61	hawala	hawala	PROPN
ajbmeb-1131	142	62	source	source	PROPN
ajbmeb-1131	142	63	:	:	PUNCT
ajbmeb-1131	142	64	prepared	prepare	VERB
ajbmeb-1131	142	65	by	by	ADP
ajbmeb-1131	142	66	the	the	DET
ajbmeb-1131	142	67	researchers	researcher	NOUN
ajbmeb-1131	142	68	based	base	VERB
ajbmeb-1131	142	69	on	on	ADP
ajbmeb-1131	142	70	the	the	DET
ajbmeb-1131	142	71	annual	annual	ADJ
ajbmeb-1131	142	72	releases	release	NOUN
ajbmeb-1131	142	73	issued	issue	VERB
ajbmeb-1131	142	74	by	by	ADP
ajbmeb-1131	142	75	the	the	DET
ajbmeb-1131	142	76	central	central	ADJ
ajbmeb-1131	142	77	banks	bank	NOUN
ajbmeb-1131	142	78	of	of	ADP
ajbmeb-1131	142	79	the	the	DET
ajbmeb-1131	142	80	countries	country	NOUN
ajbmeb-1131	142	81	in	in	ADP
ajbmeb-1131	142	82	question	question	NOUN
ajbmeb-1131	142	83	.	.	PUNCT
ajbmeb-1131	143	1	we	we	PRON
ajbmeb-1131	143	2	note	note	VERB
ajbmeb-1131	143	3	from	from	ADP
ajbmeb-1131	143	4	the	the	DET
ajbmeb-1131	143	5	above	above	ADJ
ajbmeb-1131	143	6	table	table	NOUN
ajbmeb-1131	143	7	,	,	PUNCT
ajbmeb-1131	143	8	which	which	PRON
ajbmeb-1131	143	9	shows	show	VERB
ajbmeb-1131	143	10	the	the	DET
ajbmeb-1131	143	11	volume	volume	NOUN
ajbmeb-1131	143	12	of	of	ADP
ajbmeb-1131	143	13	services	service	NOUN
ajbmeb-1131	143	14	provided	provide	VERB
ajbmeb-1131	143	15	by	by	ADP
ajbmeb-1131	143	16	the	the	DET
ajbmeb-1131	143	17	countries	country	NOUN
ajbmeb-1131	143	18	under	under	ADP
ajbmeb-1131	143	19	study	study	NOUN
ajbmeb-1131	143	20	for	for	ADP
ajbmeb-1131	143	21	the	the	DET
ajbmeb-1131	143	22	period	period	NOUN
ajbmeb-1131	143	23	(	(	PUNCT
ajbmeb-1131	143	24	2017	2017	NUM
ajbmeb-1131	143	25	-	-	SYM
ajbmeb-1131	143	26	2020	2020	NUM
ajbmeb-1131	143	27	):	):	PUNCT
ajbmeb-1131	143	28	electronic	electronic	ADJ
ajbmeb-1131	143	29	financial	financial	ADJ
ajbmeb-1131	143	30	services	service	NOUN
ajbmeb-1131	143	31	in	in	ADP
ajbmeb-1131	143	32	the	the	DET
ajbmeb-1131	143	33	state	state	NOUN
ajbmeb-1131	143	34	of	of	ADP
ajbmeb-1131	143	35	egypt	egypt	PROPN
ajbmeb-1131	143	36	are	be	AUX
ajbmeb-1131	143	37	increasing	increase	VERB
ajbmeb-1131	143	38	and	and	CCONJ
ajbmeb-1131	143	39	growing	grow	VERB
ajbmeb-1131	143	40	,	,	PUNCT
ajbmeb-1131	143	41	this	this	PRON
ajbmeb-1131	143	42	indicates	indicate	VERB
ajbmeb-1131	143	43	that	that	SCONJ
ajbmeb-1131	143	44	there	there	PRON
ajbmeb-1131	143	45	is	be	VERB
ajbmeb-1131	143	46	a	a	DET
ajbmeb-1131	143	47	development	development	NOUN
ajbmeb-1131	143	48	because	because	SCONJ
ajbmeb-1131	143	49	of	of	ADP
ajbmeb-1131	143	50	the	the	DET
ajbmeb-1131	143	51	plan	plan	NOUN
ajbmeb-1131	143	52	developed	develop	VERB
ajbmeb-1131	143	53	by	by	ADP
ajbmeb-1131	143	54	the	the	DET
ajbmeb-1131	143	55	central	central	ADJ
ajbmeb-1131	143	56	bank	bank	PROPN
ajbmeb-1131	143	57	of	of	ADP
ajbmeb-1131	143	58	egypt	egypt	PROPN
ajbmeb-1131	143	59	.	.	PUNCT
ajbmeb-1131	144	1	there	there	PRON
ajbmeb-1131	144	2	is	be	VERB
ajbmeb-1131	144	3	also	also	ADV
ajbmeb-1131	144	4	a	a	DET
ajbmeb-1131	144	5	high	high	ADJ
ajbmeb-1131	144	6	demand	demand	NOUN
ajbmeb-1131	144	7	among	among	ADP
ajbmeb-1131	144	8	citizens	citizen	NOUN
ajbmeb-1131	144	9	to	to	PART
ajbmeb-1131	144	10	use	use	VERB
ajbmeb-1131	144	11	electronic	electronic	ADJ
ajbmeb-1131	144	12	wallets	wallet	NOUN
ajbmeb-1131	144	13	and	and	CCONJ
ajbmeb-1131	144	14	electronic	electronic	ADJ
ajbmeb-1131	144	15	cards	card	NOUN
ajbmeb-1131	144	16	.	.	PUNCT
ajbmeb-1131	145	1	they	they	PRON
ajbmeb-1131	145	2	are	be	AUX
ajbmeb-1131	145	3	enhanced	enhance	VERB
ajbmeb-1131	145	4	steps	step	NOUN
ajbmeb-1131	145	5	to	to	PART
ajbmeb-1131	145	6	shift	shift	VERB
ajbmeb-1131	145	7	towards	towards	ADP
ajbmeb-1131	145	8	digital	digital	ADJ
ajbmeb-1131	145	9	transactions	transaction	NOUN
ajbmeb-1131	145	10	.	.	PUNCT
ajbmeb-1131	146	1	in	in	ADP
ajbmeb-1131	146	2	kuwait	kuwait	PROPN
ajbmeb-1131	146	3	,	,	PUNCT
ajbmeb-1131	146	4	the	the	DET
ajbmeb-1131	146	5	indicative	indicative	ADJ
ajbmeb-1131	146	6	indicators	indicator	NOUN
ajbmeb-1131	146	7	shown	show	VERB
ajbmeb-1131	146	8	in	in	ADP
ajbmeb-1131	146	9	the	the	DET
ajbmeb-1131	146	10	table	table	NOUN
ajbmeb-1131	146	11	are	be	AUX
ajbmeb-1131	146	12	also	also	ADV
ajbmeb-1131	146	13	increasing	increase	VERB
ajbmeb-1131	146	14	,	,	PUNCT
ajbmeb-1131	146	15	especially	especially	ADV
ajbmeb-1131	146	16	in	in	ADP
ajbmeb-1131	146	17	digital	digital	ADJ
ajbmeb-1131	146	18	services	service	NOUN
ajbmeb-1131	146	19	.	.	PUNCT
ajbmeb-1131	147	1	it	it	PRON
ajbmeb-1131	147	2	also	also	ADV
ajbmeb-1131	147	3	noted	note	VERB
ajbmeb-1131	147	4	that	that	SCONJ
ajbmeb-1131	147	5	there	there	PRON
ajbmeb-1131	147	6	is	be	VERB
ajbmeb-1131	147	7	an	an	DET
ajbmeb-1131	147	8	increase	increase	NOUN
ajbmeb-1131	147	9	in	in	ADP
ajbmeb-1131	147	10	the	the	DET
ajbmeb-1131	147	11	number	number	NOUN
ajbmeb-1131	147	12	of	of	ADP
ajbmeb-1131	147	13	automated	automate	VERB
ajbmeb-1131	147	14	teller	teller	NOUN
ajbmeb-1131	147	15	machines	machine	NOUN
ajbmeb-1131	147	16	and	and	CCONJ
ajbmeb-1131	147	17	electronic	electronic	ADJ
ajbmeb-1131	147	18	points	point	NOUN
ajbmeb-1131	147	19	of	of	ADP
ajbmeb-1131	147	20	sale	sale	NOUN
ajbmeb-1131	147	21	,	,	PUNCT
ajbmeb-1131	147	22	which	which	PRON
ajbmeb-1131	147	23	enhances	enhance	VERB
ajbmeb-1131	147	24	the	the	DET
ajbmeb-1131	147	25	use	use	NOUN
ajbmeb-1131	147	26	of	of	ADP
ajbmeb-1131	147	27	electronic	electronic	ADJ
ajbmeb-1131	147	28	money	money	NOUN
ajbmeb-1131	147	29	and	and	CCONJ
ajbmeb-1131	147	30	electronic	electronic	ADJ
ajbmeb-1131	147	31	banking	banking	NOUN
ajbmeb-1131	147	32	transactions	transaction	NOUN
ajbmeb-1131	147	33	.	.	PUNCT
ajbmeb-1131	148	1	also	also	ADV
ajbmeb-1131	148	2	in	in	ADP
ajbmeb-1131	148	3	iraq	iraq	PROPN
ajbmeb-1131	148	4	,	,	PUNCT
ajbmeb-1131	148	5	it	it	PRON
ajbmeb-1131	148	6	noted	note	VERB
ajbmeb-1131	148	7	from	from	ADP
ajbmeb-1131	148	8	the	the	DET
ajbmeb-1131	148	9	table	table	NOUN
ajbmeb-1131	148	10	that	that	SCONJ
ajbmeb-1131	148	11	there	there	PRON
ajbmeb-1131	148	12	is	be	VERB
ajbmeb-1131	148	13	a	a	DET
ajbmeb-1131	148	14	noticeable	noticeable	ADJ
ajbmeb-1131	148	15	increase	increase	NOUN
ajbmeb-1131	148	16	in	in	ADP
ajbmeb-1131	148	17	the	the	DET
ajbmeb-1131	148	18	indicators	indicator	NOUN
ajbmeb-1131	148	19	mentioned	mention	VERB
ajbmeb-1131	148	20	in	in	ADP
ajbmeb-1131	148	21	it	it	PRON
ajbmeb-1131	148	22	,	,	PUNCT
ajbmeb-1131	148	23	especially	especially	ADV
ajbmeb-1131	148	24	after	after	SCONJ
ajbmeb-1131	148	25	the	the	DET
ajbmeb-1131	148	26	initiative	initiative	NOUN
ajbmeb-1131	148	27	of	of	ADP
ajbmeb-1131	148	28	communication	communication	NOUN
ajbmeb-1131	148	29	companies	company	NOUN
ajbmeb-1131	148	30	(	(	PUNCT
ajbmeb-1131	148	31	zain	zain	PROPN
ajbmeb-1131	148	32	,	,	PUNCT
ajbmeb-1131	148	33	asia	asia	PROPN
ajbmeb-1131	148	34	)	)	PUNCT
ajbmeb-1131	148	35	to	to	PART
ajbmeb-1131	148	36	establish	establish	VERB
ajbmeb-1131	148	37	financial	financial	ADJ
ajbmeb-1131	148	38	portfolios	portfolio	NOUN
ajbmeb-1131	148	39	and	and	CCONJ
ajbmeb-1131	148	40	electronic	electronic	ADJ
ajbmeb-1131	148	41	transfer	transfer	NOUN
ajbmeb-1131	148	42	mechanisms	mechanism	NOUN
ajbmeb-1131	148	43	.	.	PUNCT
ajbmeb-1131	149	1	which	which	PRON
ajbmeb-1131	149	2	facilitated	facilitate	VERB
ajbmeb-1131	149	3	electronic	electronic	ADJ
ajbmeb-1131	149	4	financial	financial	ADJ
ajbmeb-1131	149	5	transactions	transaction	NOUN
ajbmeb-1131	149	6	and	and	CCONJ
ajbmeb-1131	149	7	electronic	electronic	ADJ
ajbmeb-1131	149	8	payments	payment	NOUN
ajbmeb-1131	149	9	.	.	PUNCT
ajbmeb-1131	150	1	5	5	X
ajbmeb-1131	150	2	.	.	X
ajbmeb-1131	150	3	obstacles	obstacle	NOUN
ajbmeb-1131	150	4	and	and	CCONJ
ajbmeb-1131	150	5	requirements	requirement	NOUN
ajbmeb-1131	150	6	for	for	ADP
ajbmeb-1131	150	7	financial	financial	ADJ
ajbmeb-1131	150	8	technology	technology	NOUN
ajbmeb-1131	150	9	applications	application	NOUN
ajbmeb-1131	150	10	in	in	ADP
ajbmeb-1131	150	11	iraq	iraq	PROPN
ajbmeb-1131	150	12	almost	almost	ADV
ajbmeb-1131	150	13	all	all	PRON
ajbmeb-1131	150	14	arab	arab	ADJ
ajbmeb-1131	150	15	countries	country	NOUN
ajbmeb-1131	150	16	share	share	VERB
ajbmeb-1131	150	17	a	a	DET
ajbmeb-1131	150	18	set	set	NOUN
ajbmeb-1131	150	19	of	of	ADP
ajbmeb-1131	150	20	obstacles	obstacle	NOUN
ajbmeb-1131	150	21	and	and	CCONJ
ajbmeb-1131	150	22	challenges	challenge	NOUN
ajbmeb-1131	150	23	in	in	ADP
ajbmeb-1131	150	24	the	the	DET
ajbmeb-1131	150	25	use	use	NOUN
ajbmeb-1131	150	26	of	of	ADP
ajbmeb-1131	150	27	financial	financial	ADJ
ajbmeb-1131	150	28	technology	technology	NOUN
ajbmeb-1131	150	29	in	in	ADP
ajbmeb-1131	150	30	the	the	DET
ajbmeb-1131	150	31	arab	arab	ADJ
ajbmeb-1131	150	32	world	world	NOUN
ajbmeb-1131	150	33	.	.	PUNCT
ajbmeb-1131	151	1	among	among	ADP
ajbmeb-1131	151	2	the	the	DET
ajbmeb-1131	151	3	most	most	ADV
ajbmeb-1131	151	4	prominent	prominent	ADJ
ajbmeb-1131	151	5	challenges	challenge	NOUN
ajbmeb-1131	151	6	and	and	CCONJ
ajbmeb-1131	151	7	obstacles	obstacle	NOUN
ajbmeb-1131	151	8	that	that	PRON
ajbmeb-1131	151	9	impede	impede	VERB
ajbmeb-1131	151	10	the	the	DET
ajbmeb-1131	151	11	spread	spread	NOUN
ajbmeb-1131	151	12	and	and	CCONJ
ajbmeb-1131	151	13	expansion	expansion	NOUN
ajbmeb-1131	151	14	of	of	ADP
ajbmeb-1131	151	15	emerging	emerge	VERB
ajbmeb-1131	151	16	companies	company	NOUN
ajbmeb-1131	151	17	in	in	ADP
ajbmeb-1131	151	18	the	the	DET
ajbmeb-1131	151	19	field	field	NOUN
ajbmeb-1131	151	20	of	of	ADP
ajbmeb-1131	151	21	technology	technology	NOUN
ajbmeb-1131	151	22	in	in	ADP
ajbmeb-1131	151	23	the	the	DET
ajbmeb-1131	151	24	arab	arab	ADJ
ajbmeb-1131	151	25	world	world	NOUN
ajbmeb-1131	151	26	in	in	ADP
ajbmeb-1131	151	27	general	general	ADJ
ajbmeb-1131	151	28	are	be	AUX
ajbmeb-1131	151	29	:	:	PUNCT
ajbmeb-1131	151	30	(	(	PUNCT
ajbmeb-1131	151	31	al	al	PROPN
ajbmeb-1131	151	32	-	-	PUNCT
ajbmeb-1131	151	33	yafei	yafei	PROPN
ajbmeb-1131	151	34	,	,	PUNCT
ajbmeb-1131	151	35	https://fatora.io/blog/electronic-payment-in-iraq/	https://fatora.io/blog/electronic-payment-in-iraq/	PROPN
ajbmeb-1131	151	36	):	):	PUNCT
ajbmeb-1131	151	37	•	•	ADP
ajbmeb-1131	151	38	the	the	DET
ajbmeb-1131	151	39	poor	poor	ADJ
ajbmeb-1131	151	40	business	business	NOUN
ajbmeb-1131	151	41	environment	environment	NOUN
ajbmeb-1131	151	42	and	and	CCONJ
ajbmeb-1131	151	43	the	the	DET
ajbmeb-1131	151	44	restrictions	restriction	NOUN
ajbmeb-1131	151	45	that	that	PRON
ajbmeb-1131	151	46	are	be	AUX
ajbmeb-1131	151	47	still	still	ADV
ajbmeb-1131	151	48	imposed	impose	VERB
ajbmeb-1131	151	49	on	on	ADP
ajbmeb-1131	151	50	the	the	DET
ajbmeb-1131	151	51	entry	entry	NOUN
ajbmeb-1131	151	52	of	of	ADP
ajbmeb-1131	151	53	foreign	foreign	ADJ
ajbmeb-1131	151	54	entities	entity	NOUN
ajbmeb-1131	151	55	into	into	ADP
ajbmeb-1131	151	56	the	the	DET
ajbmeb-1131	151	57	local	local	ADJ
ajbmeb-1131	151	58	markets	market	NOUN
ajbmeb-1131	151	59	.	.	PUNCT
ajbmeb-1131	152	1	it	it	PRON
ajbmeb-1131	152	2	limits	limit	VERB
ajbmeb-1131	152	3	the	the	DET
ajbmeb-1131	152	4	access	access	NOUN
ajbmeb-1131	152	5	of	of	ADP
ajbmeb-1131	152	6	existing	exist	VERB
ajbmeb-1131	152	7	global	global	ADJ
ajbmeb-1131	152	8	financial	financial	ADJ
ajbmeb-1131	152	9	technology	technology	NOUN
ajbmeb-1131	152	10	companies	company	NOUN
ajbmeb-1131	152	11	to	to	ADP
ajbmeb-1131	152	12	these	these	DET
ajbmeb-1131	152	13	markets	market	NOUN
ajbmeb-1131	152	14	.	.	PUNCT
ajbmeb-1131	153	1	•	•	NUM
ajbmeb-1131	153	2	the	the	DET
ajbmeb-1131	153	3	difficulty	difficulty	NOUN
ajbmeb-1131	153	4	of	of	ADP
ajbmeb-1131	153	5	gaining	gain	VERB
ajbmeb-1131	153	6	customer	customer	NOUN
ajbmeb-1131	153	7	trust	trust	NOUN
ajbmeb-1131	153	8	due	due	ADP
ajbmeb-1131	153	9	to	to	ADP
ajbmeb-1131	153	10	fear	fear	NOUN
ajbmeb-1131	153	11	of	of	ADP
ajbmeb-1131	153	12	fraud	fraud	NOUN
ajbmeb-1131	153	13	in	in	ADP
ajbmeb-1131	153	14	the	the	DET
ajbmeb-1131	153	15	absence	absence	NOUN
ajbmeb-1131	153	16	of	of	ADP
ajbmeb-1131	153	17	adequate	adequate	ADJ
ajbmeb-1131	153	18	consumer	consumer	NOUN
ajbmeb-1131	153	19	protection	protection	NOUN
ajbmeb-1131	153	20	frameworks	framework	NOUN
ajbmeb-1131	153	21	in	in	ADP
ajbmeb-1131	153	22	the	the	DET
ajbmeb-1131	153	23	field	field	NOUN
ajbmeb-1131	153	24	of	of	ADP
ajbmeb-1131	153	25	financial	financial	ADJ
ajbmeb-1131	153	26	services	service	NOUN
ajbmeb-1131	153	27	and	and	CCONJ
ajbmeb-1131	153	28	no	no	DET
ajbmeb-1131	153	29	data	data	NOUN
ajbmeb-1131	153	30	privacy	privacy	NOUN
ajbmeb-1131	153	31	laws	law	NOUN
ajbmeb-1131	153	32	.	.	PUNCT
ajbmeb-1131	154	1	in	in	ADP
ajbmeb-1131	154	2	addition	addition	NOUN
ajbmeb-1131	154	3	to	to	ADP
ajbmeb-1131	154	4	the	the	DET
ajbmeb-1131	154	5	https://fatora.io/blog/electronic-payment-in-iraq/	https://fatora.io/blog/electronic-payment-in-iraq/	PROPN
ajbmeb-1131	154	6	american	american	PROPN
ajbmeb-1131	154	7	journal	journal	PROPN
ajbmeb-1131	154	8	of	of	ADP
ajbmeb-1131	154	9	business	business	NOUN
ajbmeb-1131	154	10	management	management	NOUN
ajbmeb-1131	154	11	,	,	PUNCT
ajbmeb-1131	154	12	economics	economic	NOUN
ajbmeb-1131	154	13	and	and	CCONJ
ajbmeb-1131	154	14	banking	banking	NOUN
ajbmeb-1131	154	15	volume	volume	NOUN
ajbmeb-1131	154	16	15	15	NUM
ajbmeb-1131	154	17	august	august	PROPN
ajbmeb-1131	154	18	,	,	PUNCT
ajbmeb-1131	154	19	2023	2023	NUM
ajbmeb-1131	154	20	p	p	NOUN
ajbmeb-1131	154	21	a	a	DET
ajbmeb-1131	154	22	g	g	NOUN
ajbmeb-1131	154	23	e	e	NOUN
ajbmeb-1131	154	24	|	|	ADV
ajbmeb-1131	154	25	49	49	NUM
ajbmeb-1131	154	26	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1131	154	27	absence	absence	NOUN
ajbmeb-1131	154	28	of	of	ADP
ajbmeb-1131	154	29	legislation	legislation	NOUN
ajbmeb-1131	154	30	on	on	ADP
ajbmeb-1131	154	31	cybercrime	cybercrime	NOUN
ajbmeb-1131	154	32	and	and	CCONJ
ajbmeb-1131	154	33	information	information	NOUN
ajbmeb-1131	154	34	security	security	NOUN
ajbmeb-1131	154	35	except	except	SCONJ
ajbmeb-1131	154	36	in	in	ADP
ajbmeb-1131	154	37	seven	seven	NUM
ajbmeb-1131	154	38	countries	country	NOUN
ajbmeb-1131	154	39	in	in	ADP
ajbmeb-1131	154	40	the	the	DET
ajbmeb-1131	154	41	region	region	NOUN
ajbmeb-1131	154	42	(	(	PUNCT
ajbmeb-1131	154	43	egypt	egypt	PROPN
ajbmeb-1131	154	44	,	,	PUNCT
ajbmeb-1131	154	45	algeria	algeria	PROPN
ajbmeb-1131	154	46	,	,	PUNCT
ajbmeb-1131	154	47	morocco	morocco	PROPN
ajbmeb-1131	154	48	,	,	PUNCT
ajbmeb-1131	154	49	qatar	qatar	PROPN
ajbmeb-1131	154	50	,	,	PUNCT
ajbmeb-1131	154	51	tunisia	tunisia	PROPN
ajbmeb-1131	154	52	,	,	PUNCT
ajbmeb-1131	154	53	and	and	CCONJ
ajbmeb-1131	154	54	the	the	DET
ajbmeb-1131	154	55	united	united	PROPN
ajbmeb-1131	154	56	arab	arab	PROPN
ajbmeb-1131	154	57	emirates	emirates	PROPN
ajbmeb-1131	154	58	)	)	PUNCT
ajbmeb-1131	154	59	.	.	PUNCT
ajbmeb-1131	155	1	•	•	NUM
ajbmeb-1131	155	2	the	the	DET
ajbmeb-1131	155	3	low	low	ADJ
ajbmeb-1131	155	4	quality	quality	NOUN
ajbmeb-1131	155	5	of	of	ADP
ajbmeb-1131	155	6	internet	internet	NOUN
ajbmeb-1131	155	7	service	service	NOUN
ajbmeb-1131	155	8	and	and	CCONJ
ajbmeb-1131	155	9	mobile	mobile	ADJ
ajbmeb-1131	155	10	phones	phone	NOUN
ajbmeb-1131	155	11	and	and	CCONJ
ajbmeb-1131	155	12	their	their	PRON
ajbmeb-1131	155	13	prices	price	NOUN
ajbmeb-1131	155	14	,	,	PUNCT
ajbmeb-1131	155	15	despite	despite	SCONJ
ajbmeb-1131	155	16	the	the	DET
ajbmeb-1131	155	17	high	high	ADJ
ajbmeb-1131	155	18	penetration	penetration	NOUN
ajbmeb-1131	155	19	rates	rate	NOUN
ajbmeb-1131	155	20	of	of	ADP
ajbmeb-1131	155	21	information	information	NOUN
ajbmeb-1131	155	22	and	and	CCONJ
ajbmeb-1131	155	23	communication	communication	NOUN
ajbmeb-1131	155	24	technology	technology	NOUN
ajbmeb-1131	155	25	in	in	ADP
ajbmeb-1131	155	26	recent	recent	ADJ
ajbmeb-1131	155	27	years	year	NOUN
ajbmeb-1131	155	28	.	.	PUNCT
ajbmeb-1131	156	1	the	the	DET
ajbmeb-1131	156	2	middle	middle	PROPN
ajbmeb-1131	156	3	east	east	PROPN
ajbmeb-1131	156	4	and	and	CCONJ
ajbmeb-1131	156	5	north	north	PROPN
ajbmeb-1131	156	6	africa	africa	PROPN
ajbmeb-1131	156	7	region	region	PROPN
ajbmeb-1131	156	8	witnessed	witness	VERB
ajbmeb-1131	156	9	the	the	DET
ajbmeb-1131	156	10	second	second	ADJ
ajbmeb-1131	156	11	highest	high	ADJ
ajbmeb-1131	156	12	rates	rate	NOUN
ajbmeb-1131	156	13	of	of	ADP
ajbmeb-1131	156	14	internet	internet	NOUN
ajbmeb-1131	156	15	penetration	penetration	NOUN
ajbmeb-1131	156	16	in	in	ADP
ajbmeb-1131	156	17	the	the	DET
ajbmeb-1131	156	18	world	world	NOUN
ajbmeb-1131	156	19	between	between	ADP
ajbmeb-1131	156	20	2014	2014	NUM
ajbmeb-1131	156	21	-	-	SYM
ajbmeb-1131	156	22	2018	2018	NUM
ajbmeb-1131	156	23	,	,	PUNCT
ajbmeb-1131	156	24	at	at	ADP
ajbmeb-1131	156	25	a	a	DET
ajbmeb-1131	156	26	rate	rate	NOUN
ajbmeb-1131	156	27	of	of	ADP
ajbmeb-1131	156	28	21	21	NUM
ajbmeb-1131	156	29	%	%	NOUN
ajbmeb-1131	156	30	.	.	PUNCT
ajbmeb-1131	157	1	despite	despite	SCONJ
ajbmeb-1131	157	2	this	this	DET
ajbmeb-1131	157	3	widespread	widespread	NOUN
ajbmeb-1131	157	4	in	in	ADP
ajbmeb-1131	157	5	the	the	DET
ajbmeb-1131	157	6	arab	arab	ADJ
ajbmeb-1131	157	7	world	world	NOUN
ajbmeb-1131	157	8	,	,	PUNCT
ajbmeb-1131	157	9	its	its	PRON
ajbmeb-1131	157	10	quality	quality	NOUN
ajbmeb-1131	157	11	varies	vary	VERB
ajbmeb-1131	157	12	from	from	ADP
ajbmeb-1131	157	13	one	one	NUM
ajbmeb-1131	157	14	country	country	NOUN
ajbmeb-1131	157	15	to	to	ADP
ajbmeb-1131	157	16	another	another	PRON
ajbmeb-1131	157	17	,	,	PUNCT
ajbmeb-1131	157	18	and	and	CCONJ
ajbmeb-1131	157	19	this	this	PRON
ajbmeb-1131	157	20	is	be	AUX
ajbmeb-1131	157	21	what	what	PRON
ajbmeb-1131	157	22	led	lead	VERB
ajbmeb-1131	157	23	to	to	ADP
ajbmeb-1131	157	24	a	a	DET
ajbmeb-1131	157	25	difference	difference	NOUN
ajbmeb-1131	157	26	in	in	ADP
ajbmeb-1131	157	27	the	the	DET
ajbmeb-1131	157	28	speed	speed	NOUN
ajbmeb-1131	157	29	of	of	ADP
ajbmeb-1131	157	30	the	the	DET
ajbmeb-1131	157	31	spread	spread	NOUN
ajbmeb-1131	157	32	of	of	ADP
ajbmeb-1131	157	33	financial	financial	ADJ
ajbmeb-1131	157	34	technology	technology	NOUN
ajbmeb-1131	157	35	in	in	ADP
ajbmeb-1131	157	36	some	some	DET
ajbmeb-1131	157	37	arab	arab	ADJ
ajbmeb-1131	157	38	countries	country	NOUN
ajbmeb-1131	157	39	.	.	PUNCT
ajbmeb-1131	158	1	•	•	NUM
ajbmeb-1131	158	2	the	the	DET
ajbmeb-1131	158	3	weakness	weakness	NOUN
ajbmeb-1131	158	4	of	of	ADP
ajbmeb-1131	158	5	the	the	DET
ajbmeb-1131	158	6	competitiveness	competitiveness	NOUN
ajbmeb-1131	158	7	of	of	ADP
ajbmeb-1131	158	8	emerging	emerge	VERB
ajbmeb-1131	158	9	companies	company	NOUN
ajbmeb-1131	158	10	in	in	ADP
ajbmeb-1131	158	11	the	the	DET
ajbmeb-1131	158	12	field	field	NOUN
ajbmeb-1131	158	13	of	of	ADP
ajbmeb-1131	158	14	financial	financial	ADJ
ajbmeb-1131	158	15	technology	technology	NOUN
ajbmeb-1131	158	16	if	if	SCONJ
ajbmeb-1131	158	17	they	they	PRON
ajbmeb-1131	158	18	do	do	AUX
ajbmeb-1131	158	19	not	not	PART
ajbmeb-1131	158	20	adopt	adopt	VERB
ajbmeb-1131	158	21	a	a	DET
ajbmeb-1131	158	22	business	business	NOUN
ajbmeb-1131	158	23	model	model	NOUN
ajbmeb-1131	158	24	based	base	VERB
ajbmeb-1131	158	25	on	on	ADP
ajbmeb-1131	158	26	cooperation	cooperation	NOUN
ajbmeb-1131	158	27	with	with	ADP
ajbmeb-1131	158	28	traditional	traditional	ADJ
ajbmeb-1131	158	29	banks	bank	NOUN
ajbmeb-1131	158	30	.	.	PUNCT
ajbmeb-1131	159	1	as	as	ADP
ajbmeb-1131	159	2	a	a	DET
ajbmeb-1131	159	3	result	result	NOUN
ajbmeb-1131	159	4	of	of	ADP
ajbmeb-1131	159	5	customers	customer	NOUN
ajbmeb-1131	159	6	'	'	PART
ajbmeb-1131	159	7	trust	trust	NOUN
ajbmeb-1131	159	8	and	and	CCONJ
ajbmeb-1131	159	9	loyalty	loyalty	NOUN
ajbmeb-1131	159	10	to	to	ADP
ajbmeb-1131	159	11	the	the	DET
ajbmeb-1131	159	12	latter	latter	ADJ
ajbmeb-1131	159	13	,	,	PUNCT
ajbmeb-1131	159	14	the	the	DET
ajbmeb-1131	159	15	failure	failure	NOUN
ajbmeb-1131	159	16	rate	rate	NOUN
ajbmeb-1131	159	17	of	of	ADP
ajbmeb-1131	159	18	startups	startup	NOUN
ajbmeb-1131	159	19	in	in	ADP
ajbmeb-1131	159	20	financial	financial	ADJ
ajbmeb-1131	159	21	technology	technology	NOUN
ajbmeb-1131	159	22	in	in	ADP
ajbmeb-1131	159	23	the	the	DET
ajbmeb-1131	159	24	middle	middle	PROPN
ajbmeb-1131	159	25	east	east	PROPN
ajbmeb-1131	159	26	and	and	CCONJ
ajbmeb-1131	159	27	north	north	PROPN
ajbmeb-1131	159	28	africa	africa	PROPN
ajbmeb-1131	159	29	region	region	PROPN
ajbmeb-1131	159	30	reached	reach	VERB
ajbmeb-1131	159	31	28	28	NUM
ajbmeb-1131	159	32	%	%	NOUN
ajbmeb-1131	159	33	.	.	PUNCT
ajbmeb-1131	160	1	•	•	NOUN
ajbmeb-1131	160	2	institutional	institutional	ADJ
ajbmeb-1131	160	3	support	support	NOUN
ajbmeb-1131	160	4	is	be	AUX
ajbmeb-1131	160	5	still	still	ADV
ajbmeb-1131	160	6	limited	limit	VERB
ajbmeb-1131	160	7	,	,	PUNCT
ajbmeb-1131	160	8	as	as	SCONJ
ajbmeb-1131	160	9	a	a	DET
ajbmeb-1131	160	10	few	few	ADJ
ajbmeb-1131	160	11	arab	arab	ADJ
ajbmeb-1131	160	12	countries	country	NOUN
ajbmeb-1131	160	13	have	have	AUX
ajbmeb-1131	160	14	established	establish	VERB
ajbmeb-1131	160	15	incubators	incubator	NOUN
ajbmeb-1131	160	16	(	(	PUNCT
ajbmeb-1131	160	17	egypt	egypt	PROPN
ajbmeb-1131	160	18	,	,	PUNCT
ajbmeb-1131	160	19	lebanon	lebanon	PROPN
ajbmeb-1131	160	20	,	,	PUNCT
ajbmeb-1131	160	21	united	united	PROPN
ajbmeb-1131	160	22	arab	arab	PROPN
ajbmeb-1131	160	23	emirates	emirates	PROPN
ajbmeb-1131	160	24	)	)	PUNCT
ajbmeb-1131	160	25	to	to	PART
ajbmeb-1131	160	26	help	help	VERB
ajbmeb-1131	160	27	increase	increase	VERB
ajbmeb-1131	160	28	startups	startup	NOUN
ajbmeb-1131	160	29	or	or	CCONJ
ajbmeb-1131	160	30	establishing	establish	VERB
ajbmeb-1131	160	31	regulatory	regulatory	ADJ
ajbmeb-1131	160	32	labs	lab	NOUN
ajbmeb-1131	160	33	(	(	PUNCT
ajbmeb-1131	160	34	abu	abu	PROPN
ajbmeb-1131	160	35	dhabi	dhabi	PROPN
ajbmeb-1131	160	36	,	,	PUNCT
ajbmeb-1131	160	37	bahrain	bahrain	NOUN
ajbmeb-1131	160	38	,	,	PUNCT
ajbmeb-1131	160	39	and	and	CCONJ
ajbmeb-1131	160	40	saudi	saudi	PROPN
ajbmeb-1131	160	41	arabia	arabia	PROPN
ajbmeb-1131	160	42	)	)	PUNCT
ajbmeb-1131	160	43	that	that	PRON
ajbmeb-1131	160	44	allow	allow	VERB
ajbmeb-1131	160	45	fintech	fintech	NOUN
ajbmeb-1131	160	46	companies	company	NOUN
ajbmeb-1131	160	47	and	and	CCONJ
ajbmeb-1131	160	48	traditional	traditional	ADJ
ajbmeb-1131	160	49	institutions	institution	NOUN
ajbmeb-1131	160	50	to	to	PART
ajbmeb-1131	160	51	test	test	VERB
ajbmeb-1131	160	52	innovations	innovation	NOUN
ajbmeb-1131	160	53	in	in	ADP
ajbmeb-1131	160	54	the	the	DET
ajbmeb-1131	160	55	real	real	ADJ
ajbmeb-1131	160	56	world	world	NOUN
ajbmeb-1131	160	57	.	.	PUNCT
ajbmeb-1131	161	1	•	•	NUM
ajbmeb-1131	161	2	the	the	DET
ajbmeb-1131	161	3	laws	law	NOUN
ajbmeb-1131	161	4	imposed	impose	VERB
ajbmeb-1131	161	5	on	on	ADP
ajbmeb-1131	161	6	financial	financial	ADJ
ajbmeb-1131	161	7	technology	technology	NOUN
ajbmeb-1131	161	8	have	have	AUX
ajbmeb-1131	161	9	hindered	hinder	VERB
ajbmeb-1131	161	10	the	the	DET
ajbmeb-1131	161	11	development	development	NOUN
ajbmeb-1131	161	12	of	of	ADP
ajbmeb-1131	161	13	this	this	DET
ajbmeb-1131	161	14	field	field	NOUN
ajbmeb-1131	161	15	in	in	ADP
ajbmeb-1131	161	16	the	the	DET
ajbmeb-1131	161	17	arab	arab	ADJ
ajbmeb-1131	161	18	world	world	NOUN
ajbmeb-1131	161	19	,	,	PUNCT
ajbmeb-1131	161	20	due	due	ADP
ajbmeb-1131	161	21	to	to	ADP
ajbmeb-1131	161	22	the	the	DET
ajbmeb-1131	161	23	strictness	strictness	NOUN
ajbmeb-1131	161	24	of	of	ADP
ajbmeb-1131	161	25	laws	law	NOUN
ajbmeb-1131	161	26	and	and	CCONJ
ajbmeb-1131	161	27	the	the	DET
ajbmeb-1131	161	28	absence	absence	NOUN
ajbmeb-1131	161	29	of	of	ADP
ajbmeb-1131	161	30	the	the	DET
ajbmeb-1131	161	31	state	state	NOUN
ajbmeb-1131	161	32	's	's	PART
ajbmeb-1131	161	33	will	will	NOUN
ajbmeb-1131	161	34	to	to	PART
ajbmeb-1131	161	35	develop	develop	VERB
ajbmeb-1131	161	36	this	this	DET
ajbmeb-1131	161	37	field	field	NOUN
ajbmeb-1131	161	38	.	.	PUNCT
ajbmeb-1131	162	1	on	on	ADP
ajbmeb-1131	162	2	the	the	DET
ajbmeb-1131	162	3	other	other	ADJ
ajbmeb-1131	162	4	hand	hand	NOUN
ajbmeb-1131	162	5	,	,	PUNCT
ajbmeb-1131	162	6	it	it	PRON
ajbmeb-1131	162	7	was	be	AUX
ajbmeb-1131	162	8	able	able	ADJ
ajbmeb-1131	162	9	to	to	PART
ajbmeb-1131	162	10	improve	improve	VERB
ajbmeb-1131	162	11	the	the	DET
ajbmeb-1131	162	12	legal	legal	ADJ
ajbmeb-1131	162	13	framework	framework	NOUN
ajbmeb-1131	162	14	for	for	ADP
ajbmeb-1131	162	15	the	the	DET
ajbmeb-1131	162	16	use	use	NOUN
ajbmeb-1131	162	17	of	of	ADP
ajbmeb-1131	162	18	financial	financial	ADJ
ajbmeb-1131	162	19	technology	technology	NOUN
ajbmeb-1131	162	20	in	in	ADP
ajbmeb-1131	162	21	the	the	DET
ajbmeb-1131	162	22	united	united	PROPN
ajbmeb-1131	162	23	arab	arab	PROPN
ajbmeb-1131	162	24	emirates	emirates	PROPN
ajbmeb-1131	162	25	these	these	DET
ajbmeb-1131	162	26	constraints	constraint	NOUN
ajbmeb-1131	162	27	are	be	AUX
ajbmeb-1131	162	28	themselves	themselves	PRON
ajbmeb-1131	162	29	reflected	reflect	VERB
ajbmeb-1131	162	30	in	in	ADP
ajbmeb-1131	162	31	the	the	DET
ajbmeb-1131	162	32	environment	environment	NOUN
ajbmeb-1131	162	33	of	of	ADP
ajbmeb-1131	162	34	the	the	DET
ajbmeb-1131	162	35	iraqi	iraqi	ADJ
ajbmeb-1131	162	36	economy	economy	NOUN
ajbmeb-1131	162	37	,	,	PUNCT
ajbmeb-1131	162	38	as	as	SCONJ
ajbmeb-1131	162	39	the	the	DET
ajbmeb-1131	162	40	matter	matter	NOUN
ajbmeb-1131	162	41	is	be	AUX
ajbmeb-1131	162	42	not	not	PART
ajbmeb-1131	162	43	much	much	ADV
ajbmeb-1131	162	44	different	different	ADJ
ajbmeb-1131	162	45	in	in	ADP
ajbmeb-1131	162	46	iraq	iraq	PROPN
ajbmeb-1131	162	47	.	.	PUNCT
ajbmeb-1131	163	1	as	as	SCONJ
ajbmeb-1131	163	2	the	the	DET
ajbmeb-1131	163	3	electronic	electronic	ADJ
ajbmeb-1131	163	4	payment	payment	NOUN
ajbmeb-1131	163	5	system	system	NOUN
ajbmeb-1131	163	6	in	in	ADP
ajbmeb-1131	163	7	iraq	iraq	PROPN
ajbmeb-1131	163	8	is	be	AUX
ajbmeb-1131	163	9	lagging	lag	VERB
ajbmeb-1131	163	10	behind	behind	ADP
ajbmeb-1131	163	11	the	the	DET
ajbmeb-1131	163	12	same	same	ADJ
ajbmeb-1131	163	13	system	system	NOUN
ajbmeb-1131	163	14	in	in	ADP
ajbmeb-1131	163	15	the	the	DET
ajbmeb-1131	163	16	gulf	gulf	PROPN
ajbmeb-1131	163	17	countries	country	NOUN
ajbmeb-1131	163	18	,	,	PUNCT
ajbmeb-1131	163	19	for	for	ADP
ajbmeb-1131	163	20	example	example	NOUN
ajbmeb-1131	163	21	,	,	PUNCT
ajbmeb-1131	163	22	because	because	SCONJ
ajbmeb-1131	163	23	iraq	iraq	PROPN
ajbmeb-1131	163	24	does	do	AUX
ajbmeb-1131	163	25	not	not	PART
ajbmeb-1131	163	26	possess	possess	VERB
ajbmeb-1131	163	27	advanced	advanced	ADJ
ajbmeb-1131	163	28	technology	technology	NOUN
ajbmeb-1131	163	29	in	in	ADP
ajbmeb-1131	163	30	the	the	DET
ajbmeb-1131	163	31	field	field	NOUN
ajbmeb-1131	163	32	of	of	ADP
ajbmeb-1131	163	33	the	the	DET
ajbmeb-1131	163	34	internet	internet	NOUN
ajbmeb-1131	163	35	and	and	CCONJ
ajbmeb-1131	163	36	communications	communication	NOUN
ajbmeb-1131	163	37	,	,	PUNCT
ajbmeb-1131	163	38	in	in	ADP
ajbmeb-1131	163	39	addition	addition	NOUN
ajbmeb-1131	163	40	to	to	ADP
ajbmeb-1131	163	41	the	the	DET
ajbmeb-1131	163	42	fact	fact	NOUN
ajbmeb-1131	163	43	that	that	SCONJ
ajbmeb-1131	163	44	the	the	DET
ajbmeb-1131	163	45	iraqi	iraqi	ADJ
ajbmeb-1131	163	46	economy	economy	NOUN
ajbmeb-1131	163	47	is	be	AUX
ajbmeb-1131	163	48	still	still	ADV
ajbmeb-1131	163	49	suffering	suffer	VERB
ajbmeb-1131	163	50	from	from	ADP
ajbmeb-1131	163	51	difficult	difficult	ADJ
ajbmeb-1131	163	52	crises	crisis	NOUN
ajbmeb-1131	163	53	that	that	PRON
ajbmeb-1131	163	54	prevent	prevent	VERB
ajbmeb-1131	163	55	it	it	PRON
ajbmeb-1131	163	56	from	from	ADP
ajbmeb-1131	163	57	progressing	progress	VERB
ajbmeb-1131	163	58	.	.	PUNCT
ajbmeb-1131	164	1	the	the	DET
ajbmeb-1131	164	2	electronic	electronic	ADJ
ajbmeb-1131	164	3	payment	payment	NOUN
ajbmeb-1131	164	4	services	service	NOUN
ajbmeb-1131	164	5	in	in	ADP
ajbmeb-1131	164	6	iraq	iraq	PROPN
ajbmeb-1131	164	7	are	be	AUX
ajbmeb-1131	164	8	still	still	ADV
ajbmeb-1131	164	9	weak	weak	ADJ
ajbmeb-1131	164	10	and	and	CCONJ
ajbmeb-1131	164	11	timid	timid	ADJ
ajbmeb-1131	164	12	,	,	PUNCT
ajbmeb-1131	164	13	given	give	VERB
ajbmeb-1131	164	14	the	the	DET
ajbmeb-1131	164	15	capabilities	capability	NOUN
ajbmeb-1131	164	16	and	and	CCONJ
ajbmeb-1131	164	17	qualifications	qualification	NOUN
ajbmeb-1131	164	18	available	available	ADJ
ajbmeb-1131	164	19	in	in	ADP
ajbmeb-1131	164	20	the	the	DET
ajbmeb-1131	164	21	country	country	NOUN
ajbmeb-1131	164	22	.	.	PUNCT
ajbmeb-1131	165	1	however	however	ADV
ajbmeb-1131	165	2	,	,	PUNCT
ajbmeb-1131	165	3	the	the	DET
ajbmeb-1131	165	4	iraqi	iraqi	ADJ
ajbmeb-1131	165	5	government	government	NOUN
ajbmeb-1131	165	6	has	have	AUX
ajbmeb-1131	165	7	sought	seek	VERB
ajbmeb-1131	165	8	through	through	ADP
ajbmeb-1131	165	9	several	several	ADJ
ajbmeb-1131	165	10	policies	policy	NOUN
ajbmeb-1131	165	11	to	to	PART
ajbmeb-1131	165	12	reduce	reduce	VERB
ajbmeb-1131	165	13	dealing	deal	VERB
ajbmeb-1131	165	14	in	in	ADP
ajbmeb-1131	165	15	securities	security	NOUN
ajbmeb-1131	165	16	and	and	CCONJ
ajbmeb-1131	165	17	gradually	gradually	ADV
ajbmeb-1131	165	18	shift	shift	VERB
ajbmeb-1131	165	19	to	to	ADP
ajbmeb-1131	165	20	a	a	DET
ajbmeb-1131	165	21	digital	digital	ADJ
ajbmeb-1131	165	22	payment	payment	NOUN
ajbmeb-1131	165	23	system	system	NOUN
ajbmeb-1131	165	24	for	for	ADP
ajbmeb-1131	165	25	money	money	NOUN
ajbmeb-1131	165	26	.	.	PUNCT
ajbmeb-1131	166	1	statistics	statistic	NOUN
ajbmeb-1131	166	2	from	from	ADP
ajbmeb-1131	166	3	the	the	DET
ajbmeb-1131	166	4	central	central	ADJ
ajbmeb-1131	166	5	bank	bank	NOUN
ajbmeb-1131	166	6	of	of	ADP
ajbmeb-1131	166	7	iraq	iraq	PROPN
ajbmeb-1131	166	8	indicate	indicate	VERB
ajbmeb-1131	166	9	that	that	SCONJ
ajbmeb-1131	166	10	the	the	DET
ajbmeb-1131	166	11	number	number	NOUN
ajbmeb-1131	166	12	of	of	ADP
ajbmeb-1131	166	13	electronic	electronic	ADJ
ajbmeb-1131	166	14	payment	payment	NOUN
ajbmeb-1131	166	15	companies	company	NOUN
ajbmeb-1131	166	16	in	in	ADP
ajbmeb-1131	166	17	iraq	iraq	PROPN
ajbmeb-1131	166	18	reached	reach	VERB
ajbmeb-1131	166	19	16	16	NUM
ajbmeb-1131	166	20	companies	company	NOUN
ajbmeb-1131	166	21	in	in	ADP
ajbmeb-1131	166	22	2022	2022	NUM
ajbmeb-1131	166	23	,	,	PUNCT
ajbmeb-1131	166	24	statistics	statistic	NOUN
ajbmeb-1131	166	25	also	also	ADV
ajbmeb-1131	166	26	indicate	indicate	VERB
ajbmeb-1131	166	27	that	that	SCONJ
ajbmeb-1131	166	28	these	these	DET
ajbmeb-1131	166	29	digital	digital	ADJ
ajbmeb-1131	166	30	services	service	NOUN
ajbmeb-1131	166	31	are	be	AUX
ajbmeb-1131	166	32	used	use	VERB
ajbmeb-1131	166	33	by	by	ADP
ajbmeb-1131	166	34	about	about	ADV
ajbmeb-1131	166	35	6	6	NUM
ajbmeb-1131	166	36	million	million	NUM
ajbmeb-1131	166	37	iraqi	iraqi	ADJ
ajbmeb-1131	166	38	employees	employee	NOUN
ajbmeb-1131	166	39	and	and	CCONJ
ajbmeb-1131	166	40	retirees	retiree	NOUN
ajbmeb-1131	166	41	.	.	PUNCT
ajbmeb-1131	167	1	there	there	PRON
ajbmeb-1131	167	2	are	be	VERB
ajbmeb-1131	167	3	significant	significant	ADJ
ajbmeb-1131	167	4	structural	structural	ADJ
ajbmeb-1131	167	5	,	,	PUNCT
ajbmeb-1131	167	6	institutional	institutional	ADJ
ajbmeb-1131	167	7	,	,	PUNCT
ajbmeb-1131	167	8	and	and	CCONJ
ajbmeb-1131	167	9	policy	policy	NOUN
ajbmeb-1131	167	10	obstacles	obstacle	NOUN
ajbmeb-1131	167	11	facing	face	VERB
ajbmeb-1131	167	12	the	the	DET
ajbmeb-1131	167	13	growth	growth	NOUN
ajbmeb-1131	167	14	of	of	ADP
ajbmeb-1131	167	15	financial	financial	ADJ
ajbmeb-1131	167	16	technology	technology	NOUN
ajbmeb-1131	167	17	in	in	ADP
ajbmeb-1131	167	18	iraq	iraq	PROPN
ajbmeb-1131	167	19	:	:	PUNCT
ajbmeb-1131	167	20	(	(	PUNCT
ajbmeb-1131	167	21	regional	regional	ADJ
ajbmeb-1131	167	22	economic	economic	ADJ
ajbmeb-1131	167	23	outlook	outlook	NOUN
ajbmeb-1131	167	24	,	,	PUNCT
ajbmeb-1131	167	25	2	2	NUM
ajbmeb-1131	167	26	-	-	SYM
ajbmeb-1131	167	27	4	4	NUM
ajbmeb-1131	167	28	,	,	PUNCT
ajbmeb-1131	167	29	2017	2017	NUM
ajbmeb-1131	167	30	)	)	PUNCT
ajbmeb-1131	167	31	(	(	PUNCT
ajbmeb-1131	167	32	al	al	PROPN
ajbmeb-1131	167	33	-	-	PUNCT
ajbmeb-1131	167	34	yafei	yafei	PROPN
ajbmeb-1131	167	35	,	,	PUNCT
ajbmeb-1131	167	36	https://fatora.io/blog/electronic-payment-in-iraq/	https://fatora.io/blog/electronic-payment-in-iraq/	X
ajbmeb-1131	167	37	):	):	PUNCT
ajbmeb-1131	167	38	•	•	NUM
ajbmeb-1131	167	39	poor	poor	ADJ
ajbmeb-1131	167	40	business	business	NOUN
ajbmeb-1131	167	41	environment	environment	NOUN
ajbmeb-1131	167	42	in	in	ADP
ajbmeb-1131	167	43	general	general	ADJ
ajbmeb-1131	167	44	,	,	PUNCT
ajbmeb-1131	167	45	there	there	PRON
ajbmeb-1131	167	46	were	be	VERB
ajbmeb-1131	167	47	only	only	ADV
ajbmeb-1131	167	48	four	four	NUM
ajbmeb-1131	167	49	countries	country	NOUN
ajbmeb-1131	167	50	(	(	PUNCT
ajbmeb-1131	167	51	armenia	armenia	PROPN
ajbmeb-1131	167	52	,	,	PUNCT
ajbmeb-1131	167	53	georgia	georgia	PROPN
ajbmeb-1131	167	54	,	,	PUNCT
ajbmeb-1131	167	55	kazakhstan	kazakhstan	PROPN
ajbmeb-1131	167	56	,	,	PUNCT
ajbmeb-1131	167	57	and	and	CCONJ
ajbmeb-1131	167	58	the	the	DET
ajbmeb-1131	167	59	united	united	PROPN
ajbmeb-1131	167	60	arab	arab	PROPN
ajbmeb-1131	167	61	emirates	emirates	PROPN
ajbmeb-1131	167	62	)	)	PUNCT
ajbmeb-1131	167	63	in	in	ADP
ajbmeb-1131	167	64	the	the	DET
ajbmeb-1131	167	65	top	top	ADJ
ajbmeb-1131	167	66	quartile	quartile	NOUN
ajbmeb-1131	167	67	in	in	ADP
ajbmeb-1131	167	68	the	the	DET
ajbmeb-1131	167	69	doing	do	VERB
ajbmeb-1131	167	70	business	business	NOUN
ajbmeb-1131	167	71	index	index	NOUN
ajbmeb-1131	167	72	prepared	prepare	VERB
ajbmeb-1131	167	73	by	by	ADP
ajbmeb-1131	167	74	the	the	DET
ajbmeb-1131	167	75	world	world	PROPN
ajbmeb-1131	167	76	bank	bank	PROPN
ajbmeb-1131	167	77	,	,	PUNCT
ajbmeb-1131	167	78	restrictions	restriction	NOUN
ajbmeb-1131	167	79	on	on	ADP
ajbmeb-1131	167	80	market	market	NOUN
ajbmeb-1131	167	81	entry	entry	NOUN
ajbmeb-1131	167	82	for	for	ADP
ajbmeb-1131	167	83	foreign	foreign	ADJ
ajbmeb-1131	167	84	entities	entity	NOUN
ajbmeb-1131	167	85	continue	continue	VERB
ajbmeb-1131	167	86	to	to	PART
ajbmeb-1131	167	87	limit	limit	VERB
ajbmeb-1131	167	88	the	the	DET
ajbmeb-1131	167	89	possibility	possibility	NOUN
ajbmeb-1131	167	90	of	of	ADP
ajbmeb-1131	167	91	existing	exist	VERB
ajbmeb-1131	167	92	global	global	ADJ
ajbmeb-1131	167	93	financial	financial	ADJ
ajbmeb-1131	167	94	technology	technology	NOUN
ajbmeb-1131	167	95	companies	company	NOUN
ajbmeb-1131	167	96	entering	enter	VERB
ajbmeb-1131	167	97	the	the	DET
ajbmeb-1131	167	98	market	market	NOUN
ajbmeb-1131	167	99	.	.	PUNCT
ajbmeb-1131	168	1	•	•	NUM
ajbmeb-1131	168	2	the	the	DET
ajbmeb-1131	168	3	scarcity	scarcity	NOUN
ajbmeb-1131	168	4	of	of	ADP
ajbmeb-1131	168	5	private	private	ADJ
ajbmeb-1131	168	6	equity	equity	NOUN
ajbmeb-1131	168	7	and	and	CCONJ
ajbmeb-1131	168	8	venture	venture	NOUN
ajbmeb-1131	168	9	capital	capital	NOUN
ajbmeb-1131	168	10	,	,	PUNCT
ajbmeb-1131	168	11	which	which	PRON
ajbmeb-1131	168	12	underpinned	underpin	VERB
ajbmeb-1131	168	13	the	the	DET
ajbmeb-1131	168	14	growth	growth	NOUN
ajbmeb-1131	168	15	of	of	ADP
ajbmeb-1131	168	16	financial	financial	ADJ
ajbmeb-1131	168	17	technology	technology	NOUN
ajbmeb-1131	168	18	in	in	ADP
ajbmeb-1131	168	19	advanced	advanced	ADJ
ajbmeb-1131	168	20	economies	economy	NOUN
ajbmeb-1131	168	21	.	.	PUNCT
ajbmeb-1131	169	1	•	•	NUM
ajbmeb-1131	169	2	legal	legal	ADJ
ajbmeb-1131	169	3	uncertainty	uncertainty	NOUN
ajbmeb-1131	169	4	due	due	ADJ
ajbmeb-1131	169	5	to	to	ADP
ajbmeb-1131	169	6	regulatory	regulatory	ADJ
ajbmeb-1131	169	7	gaps	gap	NOUN
ajbmeb-1131	169	8	hinders	hinder	VERB
ajbmeb-1131	169	9	the	the	DET
ajbmeb-1131	169	10	growth	growth	NOUN
ajbmeb-1131	169	11	of	of	ADP
ajbmeb-1131	169	12	this	this	DET
ajbmeb-1131	169	13	sector	sector	NOUN
ajbmeb-1131	169	14	,	,	PUNCT
ajbmeb-1131	169	15	as	as	ADV
ajbmeb-1131	169	16	well	well	ADV
ajbmeb-1131	169	17	as	as	ADP
ajbmeb-1131	169	18	the	the	DET
ajbmeb-1131	169	19	lack	lack	NOUN
ajbmeb-1131	169	20	of	of	ADP
ajbmeb-1131	169	21	electronic	electronic	ADJ
ajbmeb-1131	169	22	security	security	NOUN
ajbmeb-1131	169	23	,	,	PUNCT
ajbmeb-1131	169	24	as	as	SCONJ
ajbmeb-1131	169	25	there	there	PRON
ajbmeb-1131	169	26	are	be	VERB
ajbmeb-1131	169	27	no	no	DET
ajbmeb-1131	169	28	consumer	consumer	NOUN
ajbmeb-1131	169	29	protection	protection	NOUN
ajbmeb-1131	169	30	frameworks	framework	NOUN
ajbmeb-1131	169	31	in	in	ADP
ajbmeb-1131	169	32	the	the	DET
ajbmeb-1131	169	33	field	field	NOUN
ajbmeb-1131	169	34	of	of	ADP
ajbmeb-1131	169	35	financial	financial	ADJ
ajbmeb-1131	169	36	services	service	NOUN
ajbmeb-1131	169	37	,	,	PUNCT
ajbmeb-1131	169	38	nor	nor	CCONJ
ajbmeb-1131	169	39	data	datum	NOUN
ajbmeb-1131	169	40	privacy	privacy	NOUN
ajbmeb-1131	169	41	laws	law	NOUN
ajbmeb-1131	169	42	,	,	PUNCT
ajbmeb-1131	169	43	the	the	DET
ajbmeb-1131	169	44	prudential	prudential	ADJ
ajbmeb-1131	169	45	regulations	regulation	NOUN
ajbmeb-1131	169	46	not	not	PART
ajbmeb-1131	169	47	tailored	tailor	VERB
ajbmeb-1131	169	48	to	to	ADP
ajbmeb-1131	169	49	the	the	DET
ajbmeb-1131	169	50	characteristics	characteristic	NOUN
ajbmeb-1131	169	51	of	of	ADP
ajbmeb-1131	169	52	financial	financial	ADJ
ajbmeb-1131	169	53	technology	technology	NOUN
ajbmeb-1131	169	54	.	.	PUNCT
ajbmeb-1131	170	1	iraq	iraq	PROPN
ajbmeb-1131	170	2	is	be	AUX
ajbmeb-1131	170	3	considered	consider	VERB
ajbmeb-1131	170	4	one	one	NUM
ajbmeb-1131	170	5	of	of	ADP
ajbmeb-1131	170	6	the	the	DET
ajbmeb-1131	170	7	countries	country	NOUN
ajbmeb-1131	170	8	in	in	ADP
ajbmeb-1131	170	9	which	which	PRON
ajbmeb-1131	170	10	there	there	PRON
ajbmeb-1131	170	11	is	be	VERB
ajbmeb-1131	170	12	insufficient	insufficient	ADJ
ajbmeb-1131	170	13	electronic	electronic	ADJ
ajbmeb-1131	170	14	security	security	NOUN
ajbmeb-1131	170	15	,	,	PUNCT
ajbmeb-1131	170	16	it	it	PRON
ajbmeb-1131	170	17	suffers	suffer	VERB
ajbmeb-1131	170	18	from	from	ADP
ajbmeb-1131	170	19	a	a	DET
ajbmeb-1131	170	20	clear	clear	ADJ
ajbmeb-1131	170	21	security	security	NOUN
ajbmeb-1131	170	22	and	and	CCONJ
ajbmeb-1131	170	23	information	information	NOUN
ajbmeb-1131	170	24	breach	breach	NOUN
ajbmeb-1131	170	25	.	.	PUNCT
ajbmeb-1131	171	1	therefore	therefore	ADV
ajbmeb-1131	171	2	,	,	PUNCT
ajbmeb-1131	171	3	the	the	DET
ajbmeb-1131	171	4	data	datum	NOUN
ajbmeb-1131	171	5	of	of	ADP
ajbmeb-1131	171	6	iraqi	iraqi	ADJ
ajbmeb-1131	171	7	customers	customer	NOUN
ajbmeb-1131	171	8	in	in	ADP
ajbmeb-1131	171	9	banks	bank	NOUN
ajbmeb-1131	171	10	is	be	AUX
ajbmeb-1131	171	11	highly	highly	ADV
ajbmeb-1131	171	12	vulnerable	vulnerable	ADJ
ajbmeb-1131	171	13	to	to	ADP
ajbmeb-1131	171	14	theft	theft	NOUN
ajbmeb-1131	171	15	,	,	PUNCT
ajbmeb-1131	171	16	as	as	SCONJ
ajbmeb-1131	171	17	happened	happen	VERB
ajbmeb-1131	171	18	in	in	ADP
ajbmeb-1131	171	19	2017	2017	NUM
ajbmeb-1131	171	20	because	because	SCONJ
ajbmeb-1131	171	21	of	of	ADP
ajbmeb-1131	171	22	the	the	DET
ajbmeb-1131	171	23	hacking	hacking	NOUN
ajbmeb-1131	171	24	of	of	ADP
ajbmeb-1131	171	25	an	an	DET
ajbmeb-1131	171	26	iraqi	iraqi	ADJ
ajbmeb-1131	171	27	telecommunications	telecommunication	NOUN
ajbmeb-1131	171	28	company	company	NOUN
ajbmeb-1131	171	29	.	.	PUNCT
ajbmeb-1131	172	1	https://fatora.io/blog/electronic-payment-in-iraq/	https://fatora.io/blog/electronic-payment-in-iraq/	PROPN
ajbmeb-1131	172	2	american	american	PROPN
ajbmeb-1131	172	3	journal	journal	PROPN
ajbmeb-1131	172	4	of	of	ADP
ajbmeb-1131	172	5	business	business	NOUN
ajbmeb-1131	172	6	management	management	NOUN
ajbmeb-1131	172	7	,	,	PUNCT
ajbmeb-1131	172	8	economics	economic	NOUN
ajbmeb-1131	172	9	and	and	CCONJ
ajbmeb-1131	172	10	banking	banking	NOUN
ajbmeb-1131	172	11	volume	volume	NOUN
ajbmeb-1131	172	12	15	15	NUM
ajbmeb-1131	172	13	august	august	PROPN
ajbmeb-1131	172	14	,	,	PUNCT
ajbmeb-1131	172	15	2023	2023	NUM
ajbmeb-1131	172	16	p	p	NOUN
ajbmeb-1131	172	17	a	a	DET
ajbmeb-1131	172	18	g	g	NOUN
ajbmeb-1131	172	19	e	e	NOUN
ajbmeb-1131	172	20	|	|	ADV
ajbmeb-1131	172	21	50	50	NUM
ajbmeb-1131	172	22	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1131	172	23	•	•	NOUN
ajbmeb-1131	172	24	restrictions	restriction	NOUN
ajbmeb-1131	172	25	on	on	ADP
ajbmeb-1131	172	26	shipping	shipping	NOUN
ajbmeb-1131	172	27	and	and	CCONJ
ajbmeb-1131	172	28	delivery	delivery	NOUN
ajbmeb-1131	172	29	services	service	NOUN
ajbmeb-1131	172	30	:	:	PUNCT
ajbmeb-1131	172	31	in	in	ADP
ajbmeb-1131	172	32	fact	fact	NOUN
ajbmeb-1131	172	33	,	,	PUNCT
ajbmeb-1131	172	34	there	there	PRON
ajbmeb-1131	172	35	are	be	VERB
ajbmeb-1131	172	36	no	no	DET
ajbmeb-1131	172	37	shipping	shipping	NOUN
ajbmeb-1131	172	38	companies	company	NOUN
ajbmeb-1131	172	39	or	or	CCONJ
ajbmeb-1131	172	40	offices	office	NOUN
ajbmeb-1131	172	41	in	in	ADP
ajbmeb-1131	172	42	iraq	iraq	PROPN
ajbmeb-1131	172	43	that	that	PRON
ajbmeb-1131	172	44	can	can	AUX
ajbmeb-1131	172	45	absorb	absorb	VERB
ajbmeb-1131	172	46	the	the	DET
ajbmeb-1131	172	47	huge	huge	ADJ
ajbmeb-1131	172	48	amount	amount	NOUN
ajbmeb-1131	172	49	of	of	ADP
ajbmeb-1131	172	50	resources	resource	NOUN
ajbmeb-1131	172	51	that	that	PRON
ajbmeb-1131	172	52	could	could	AUX
ajbmeb-1131	172	53	flow	flow	VERB
ajbmeb-1131	172	54	if	if	SCONJ
ajbmeb-1131	172	55	the	the	DET
ajbmeb-1131	172	56	e	e	PROPN
ajbmeb-1131	172	57	-	-	NOUN
ajbmeb-1131	172	58	commerce	commerce	NOUN
ajbmeb-1131	172	59	system	system	NOUN
ajbmeb-1131	172	60	was	be	AUX
ajbmeb-1131	172	61	activated	activate	VERB
ajbmeb-1131	172	62	.	.	PUNCT
ajbmeb-1131	173	1	this	this	PRON
ajbmeb-1131	173	2	is	be	AUX
ajbmeb-1131	173	3	due	due	ADJ
ajbmeb-1131	173	4	to	to	ADP
ajbmeb-1131	173	5	the	the	DET
ajbmeb-1131	173	6	restrictions	restriction	NOUN
ajbmeb-1131	173	7	imposed	impose	VERB
ajbmeb-1131	173	8	on	on	ADP
ajbmeb-1131	173	9	the	the	DET
ajbmeb-1131	173	10	iraqi	iraqi	ADJ
ajbmeb-1131	173	11	economic	economic	ADJ
ajbmeb-1131	173	12	system	system	NOUN
ajbmeb-1131	173	13	,	,	PUNCT
ajbmeb-1131	173	14	which	which	PRON
ajbmeb-1131	173	15	prevents	prevent	VERB
ajbmeb-1131	173	16	many	many	ADJ
ajbmeb-1131	173	17	materials	material	NOUN
ajbmeb-1131	173	18	from	from	ADP
ajbmeb-1131	173	19	entering	enter	VERB
ajbmeb-1131	173	20	the	the	DET
ajbmeb-1131	173	21	market	market	NOUN
ajbmeb-1131	173	22	.	.	PUNCT
ajbmeb-1131	174	1	•	•	NUM
ajbmeb-1131	174	2	the	the	DET
ajbmeb-1131	174	3	"	"	PUNCT
ajbmeb-1131	174	4	trust	trust	NOUN
ajbmeb-1131	174	5	gap	gap	NOUN
ajbmeb-1131	174	6	"	"	PUNCT
ajbmeb-1131	174	7	and	and	CCONJ
ajbmeb-1131	174	8	levels	level	NOUN
ajbmeb-1131	174	9	of	of	ADP
ajbmeb-1131	174	10	financial	financial	ADJ
ajbmeb-1131	174	11	awareness	awareness	NOUN
ajbmeb-1131	174	12	constitute	constitute	VERB
ajbmeb-1131	174	13	major	major	ADJ
ajbmeb-1131	174	14	constraints	constraint	NOUN
ajbmeb-1131	174	15	for	for	ADP
ajbmeb-1131	174	16	start	start	NOUN
ajbmeb-1131	174	17	-	-	PUNCT
ajbmeb-1131	174	18	up	up	ADP
ajbmeb-1131	174	19	companies	company	NOUN
ajbmeb-1131	174	20	in	in	ADP
ajbmeb-1131	174	21	the	the	DET
ajbmeb-1131	174	22	field	field	NOUN
ajbmeb-1131	174	23	of	of	ADP
ajbmeb-1131	174	24	financial	financial	ADJ
ajbmeb-1131	174	25	technology	technology	NOUN
ajbmeb-1131	174	26	.	.	PUNCT
ajbmeb-1131	175	1	the	the	DET
ajbmeb-1131	175	2	population	population	NOUN
ajbmeb-1131	175	3	's	's	PART
ajbmeb-1131	175	4	culture	culture	NOUN
ajbmeb-1131	175	5	and	and	CCONJ
ajbmeb-1131	175	6	experience	experience	NOUN
ajbmeb-1131	175	7	with	with	ADP
ajbmeb-1131	175	8	the	the	DET
ajbmeb-1131	175	9	advantages	advantage	NOUN
ajbmeb-1131	175	10	of	of	ADP
ajbmeb-1131	175	11	electronic	electronic	ADJ
ajbmeb-1131	175	12	payment	payment	NOUN
ajbmeb-1131	175	13	in	in	ADP
ajbmeb-1131	175	14	iraq	iraq	PROPN
ajbmeb-1131	175	15	are	be	AUX
ajbmeb-1131	175	16	almost	almost	ADV
ajbmeb-1131	175	17	non	non	ADJ
ajbmeb-1131	175	18	-	-	ADJ
ajbmeb-1131	175	19	existent	existent	ADJ
ajbmeb-1131	175	20	since	since	SCONJ
ajbmeb-1131	175	21	iraqis	iraqis	PROPN
ajbmeb-1131	175	22	depend	depend	VERB
ajbmeb-1131	175	23	largely	largely	ADV
ajbmeb-1131	175	24	on	on	ADP
ajbmeb-1131	175	25	traditional	traditional	ADJ
ajbmeb-1131	175	26	payment	payment	NOUN
ajbmeb-1131	175	27	systems	system	NOUN
ajbmeb-1131	175	28	in	in	ADP
ajbmeb-1131	175	29	all	all	DET
ajbmeb-1131	175	30	aspects	aspect	NOUN
ajbmeb-1131	175	31	of	of	ADP
ajbmeb-1131	175	32	their	their	PRON
ajbmeb-1131	175	33	lives	life	NOUN
ajbmeb-1131	175	34	.	.	PUNCT
ajbmeb-1131	176	1	they	they	PRON
ajbmeb-1131	176	2	also	also	ADV
ajbmeb-1131	176	3	do	do	AUX
ajbmeb-1131	176	4	not	not	PART
ajbmeb-1131	176	5	trust	trust	VERB
ajbmeb-1131	176	6	digital	digital	ADJ
ajbmeb-1131	176	7	payment	payment	NOUN
ajbmeb-1131	176	8	for	for	ADP
ajbmeb-1131	176	9	fear	fear	NOUN
ajbmeb-1131	176	10	of	of	ADP
ajbmeb-1131	176	11	fraud	fraud	NOUN
ajbmeb-1131	176	12	and	and	CCONJ
ajbmeb-1131	176	13	fraud	fraud	NOUN
ajbmeb-1131	176	14	that	that	PRON
ajbmeb-1131	176	15	takes	take	VERB
ajbmeb-1131	176	16	place	place	NOUN
ajbmeb-1131	176	17	through	through	ADP
ajbmeb-1131	176	18	it	it	PRON
ajbmeb-1131	176	19	,	,	PUNCT
ajbmeb-1131	176	20	and	and	CCONJ
ajbmeb-1131	176	21	it	it	PRON
ajbmeb-1131	176	22	has	have	AUX
ajbmeb-1131	176	23	been	be	AUX
ajbmeb-1131	176	24	shown	show	VERB
ajbmeb-1131	176	25	that	that	SCONJ
ajbmeb-1131	176	26	trust	trust	NOUN
ajbmeb-1131	176	27	is	be	AUX
ajbmeb-1131	176	28	one	one	NUM
ajbmeb-1131	176	29	of	of	ADP
ajbmeb-1131	176	30	the	the	DET
ajbmeb-1131	176	31	main	main	ADJ
ajbmeb-1131	176	32	obstacles	obstacle	NOUN
ajbmeb-1131	176	33	in	in	ADP
ajbmeb-1131	176	34	addition	addition	NOUN
ajbmeb-1131	176	35	to	to	ADP
ajbmeb-1131	176	36	promotion	promotion	NOUN
ajbmeb-1131	176	37	and	and	CCONJ
ajbmeb-1131	176	38	the	the	DET
ajbmeb-1131	176	39	educational	educational	ADJ
ajbmeb-1131	176	40	level	level	NOUN
ajbmeb-1131	176	41	of	of	ADP
ajbmeb-1131	176	42	the	the	DET
ajbmeb-1131	176	43	customer	customer	NOUN
ajbmeb-1131	176	44	,	,	PUNCT
ajbmeb-1131	176	45	the	the	DET
ajbmeb-1131	176	46	"	"	PUNCT
ajbmeb-1131	176	47	trust	trust	NOUN
ajbmeb-1131	176	48	gap	gap	NOUN
ajbmeb-1131	176	49	"	"	PUNCT
ajbmeb-1131	176	50	was	be	AUX
ajbmeb-1131	176	51	also	also	ADV
ajbmeb-1131	176	52	cited	cite	VERB
ajbmeb-1131	176	53	as	as	ADP
ajbmeb-1131	176	54	one	one	NUM
ajbmeb-1131	176	55	of	of	ADP
ajbmeb-1131	176	56	the	the	DET
ajbmeb-1131	176	57	main	main	ADJ
ajbmeb-1131	176	58	drivers	driver	NOUN
ajbmeb-1131	176	59	for	for	ADP
ajbmeb-1131	176	60	increased	increase	VERB
ajbmeb-1131	176	61	cooperation	cooperation	NOUN
ajbmeb-1131	176	62	on	on	ADP
ajbmeb-1131	176	63	a	a	DET
ajbmeb-1131	176	64	larger	large	ADJ
ajbmeb-1131	176	65	scale	scale	NOUN
ajbmeb-1131	176	66	between	between	ADP
ajbmeb-1131	176	67	fintech	fintech	NOUN
ajbmeb-1131	176	68	start	start	NOUN
ajbmeb-1131	176	69	-	-	PUNCT
ajbmeb-1131	176	70	ups	up	NOUN
ajbmeb-1131	176	71	and	and	CCONJ
ajbmeb-1131	176	72	banks	bank	NOUN
ajbmeb-1131	176	73	.	.	PUNCT
ajbmeb-1131	177	1	•	•	NUM
ajbmeb-1131	177	2	weak	weak	ADJ
ajbmeb-1131	177	3	qualifications	qualification	NOUN
ajbmeb-1131	177	4	and	and	CCONJ
ajbmeb-1131	177	5	infrastructure	infrastructure	NOUN
ajbmeb-1131	177	6	:	:	PUNCT
ajbmeb-1131	177	7	iraq	iraq	PROPN
ajbmeb-1131	177	8	does	do	AUX
ajbmeb-1131	177	9	not	not	PART
ajbmeb-1131	177	10	have	have	VERB
ajbmeb-1131	177	11	a	a	DET
ajbmeb-1131	177	12	strong	strong	ADJ
ajbmeb-1131	177	13	and	and	CCONJ
ajbmeb-1131	177	14	suitable	suitable	ADJ
ajbmeb-1131	177	15	platform	platform	NOUN
ajbmeb-1131	177	16	from	from	ADP
ajbmeb-1131	177	17	which	which	PRON
ajbmeb-1131	177	18	to	to	PART
ajbmeb-1131	177	19	spread	spread	VERB
ajbmeb-1131	177	20	e	e	NOUN
ajbmeb-1131	177	21	-	-	NOUN
ajbmeb-1131	177	22	commerce	commerce	NOUN
ajbmeb-1131	177	23	and	and	CCONJ
ajbmeb-1131	177	24	transform	transform	VERB
ajbmeb-1131	177	25	into	into	ADP
ajbmeb-1131	177	26	a	a	DET
ajbmeb-1131	177	27	digital	digital	ADJ
ajbmeb-1131	177	28	economy	economy	NOUN
ajbmeb-1131	177	29	in	in	ADP
ajbmeb-1131	177	30	which	which	PRON
ajbmeb-1131	177	31	securities	security	NOUN
ajbmeb-1131	177	32	disappear	disappear	VERB
ajbmeb-1131	177	33	completely	completely	ADV
ajbmeb-1131	177	34	.	.	PUNCT
ajbmeb-1131	178	1	in	in	ADP
ajbmeb-1131	178	2	addition	addition	NOUN
ajbmeb-1131	178	3	,	,	PUNCT
ajbmeb-1131	178	4	the	the	DET
ajbmeb-1131	178	5	communication	communication	NOUN
ajbmeb-1131	178	6	networks	network	NOUN
ajbmeb-1131	178	7	and	and	CCONJ
ajbmeb-1131	178	8	the	the	DET
ajbmeb-1131	178	9	internet	internet	NOUN
ajbmeb-1131	178	10	are	be	AUX
ajbmeb-1131	178	11	very	very	ADV
ajbmeb-1131	178	12	weak	weak	ADJ
ajbmeb-1131	178	13	and	and	CCONJ
ajbmeb-1131	178	14	can	can	AUX
ajbmeb-1131	178	15	not	not	PART
ajbmeb-1131	178	16	withstand	withstand	VERB
ajbmeb-1131	178	17	all	all	DET
ajbmeb-1131	178	18	the	the	DET
ajbmeb-1131	178	19	pressure	pressure	NOUN
ajbmeb-1131	178	20	that	that	PRON
ajbmeb-1131	178	21	the	the	DET
ajbmeb-1131	178	22	digital	digital	ADJ
ajbmeb-1131	178	23	payment	payment	NOUN
ajbmeb-1131	178	24	system	system	NOUN
ajbmeb-1131	178	25	can	can	AUX
ajbmeb-1131	178	26	impose	impose	VERB
ajbmeb-1131	178	27	.	.	PUNCT
ajbmeb-1131	179	1	•	•	NUM
ajbmeb-1131	179	2	broad	broad	ADJ
ajbmeb-1131	179	3	institutional	institutional	ADJ
ajbmeb-1131	179	4	support	support	NOUN
ajbmeb-1131	179	5	is	be	AUX
ajbmeb-1131	179	6	still	still	ADV
ajbmeb-1131	179	7	limited	limited	ADJ
ajbmeb-1131	179	8	.	.	PUNCT
ajbmeb-1131	180	1	very	very	ADV
ajbmeb-1131	180	2	few	few	ADJ
ajbmeb-1131	180	3	countries	country	NOUN
ajbmeb-1131	180	4	have	have	AUX
ajbmeb-1131	180	5	set	set	VERB
ajbmeb-1131	180	6	up	up	ADP
ajbmeb-1131	180	7	incubators	incubator	NOUN
ajbmeb-1131	180	8	and	and	CCONJ
ajbmeb-1131	180	9	accelerators	accelerator	NOUN
ajbmeb-1131	180	10	to	to	PART
ajbmeb-1131	180	11	help	help	VERB
ajbmeb-1131	180	12	grow	grow	VERB
ajbmeb-1131	180	13	start	start	NOUN
ajbmeb-1131	180	14	-	-	PUNCT
ajbmeb-1131	180	15	ups	up	NOUN
ajbmeb-1131	180	16	or	or	CCONJ
ajbmeb-1131	180	17	create	create	VERB
ajbmeb-1131	180	18	regulatory	regulatory	ADJ
ajbmeb-1131	180	19	labs	lab	NOUN
ajbmeb-1131	180	20	that	that	PRON
ajbmeb-1131	180	21	allow	allow	VERB
ajbmeb-1131	180	22	traditional	traditional	ADJ
ajbmeb-1131	180	23	fintech	fintech	NOUN
ajbmeb-1131	180	24	firms	firm	NOUN
ajbmeb-1131	180	25	to	to	PART
ajbmeb-1131	180	26	test	test	VERB
ajbmeb-1131	180	27	innovations	innovation	NOUN
ajbmeb-1131	180	28	in	in	ADP
ajbmeb-1131	180	29	the	the	DET
ajbmeb-1131	180	30	real	real	ADJ
ajbmeb-1131	180	31	world	world	NOUN
ajbmeb-1131	180	32	.	.	PUNCT
ajbmeb-1131	181	1	•	•	NUM
ajbmeb-1131	181	2	the	the	DET
ajbmeb-1131	181	3	penetration	penetration	NOUN
ajbmeb-1131	181	4	rates	rate	NOUN
ajbmeb-1131	181	5	of	of	ADP
ajbmeb-1131	181	6	information	information	NOUN
ajbmeb-1131	181	7	and	and	CCONJ
ajbmeb-1131	181	8	communication	communication	NOUN
ajbmeb-1131	181	9	technology	technology	NOUN
ajbmeb-1131	181	10	have	have	AUX
ajbmeb-1131	181	11	increased	increase	VERB
ajbmeb-1131	181	12	significantly	significantly	ADV
ajbmeb-1131	181	13	in	in	ADP
ajbmeb-1131	181	14	recent	recent	ADJ
ajbmeb-1131	181	15	years	year	NOUN
ajbmeb-1131	181	16	,	,	PUNCT
ajbmeb-1131	181	17	but	but	CCONJ
ajbmeb-1131	181	18	the	the	DET
ajbmeb-1131	181	19	quality	quality	NOUN
ajbmeb-1131	181	20	of	of	ADP
ajbmeb-1131	181	21	internet	internet	NOUN
ajbmeb-1131	181	22	service	service	NOUN
ajbmeb-1131	181	23	and	and	CCONJ
ajbmeb-1131	181	24	mobile	mobile	ADJ
ajbmeb-1131	181	25	phones	phone	NOUN
ajbmeb-1131	181	26	and	and	CCONJ
ajbmeb-1131	181	27	their	their	PRON
ajbmeb-1131	181	28	prices	price	NOUN
ajbmeb-1131	181	29	are	be	AUX
ajbmeb-1131	181	30	still	still	ADV
ajbmeb-1131	181	31	obstacles	obstacle	NOUN
ajbmeb-1131	181	32	to	to	ADP
ajbmeb-1131	181	33	the	the	DET
ajbmeb-1131	181	34	adoption	adoption	NOUN
ajbmeb-1131	181	35	of	of	ADP
ajbmeb-1131	181	36	financial	financial	ADJ
ajbmeb-1131	181	37	technology	technology	NOUN
ajbmeb-1131	181	38	.	.	PUNCT
ajbmeb-1131	182	1	internet	internet	NOUN
ajbmeb-1131	182	2	service	service	NOUN
ajbmeb-1131	182	3	has	have	AUX
ajbmeb-1131	182	4	reached	reach	VERB
ajbmeb-1131	182	5	all	all	DET
ajbmeb-1131	182	6	countries	country	NOUN
ajbmeb-1131	182	7	,	,	PUNCT
ajbmeb-1131	182	8	including	include	VERB
ajbmeb-1131	182	9	iraq	iraq	PROPN
ajbmeb-1131	182	10	,	,	PUNCT
ajbmeb-1131	182	11	but	but	CCONJ
ajbmeb-1131	182	12	highspeed	highspeed	PROPN
ajbmeb-1131	182	13	internet	internet	NOUN
ajbmeb-1131	182	14	service	service	NOUN
ajbmeb-1131	182	15	is	be	AUX
ajbmeb-1131	182	16	limited	limited	ADJ
ajbmeb-1131	182	17	and	and	CCONJ
ajbmeb-1131	182	18	expensive	expensive	ADJ
ajbmeb-1131	182	19	,	,	PUNCT
ajbmeb-1131	182	20	which	which	PRON
ajbmeb-1131	182	21	stands	stand	VERB
ajbmeb-1131	182	22	as	as	ADP
ajbmeb-1131	182	23	an	an	DET
ajbmeb-1131	182	24	obstacle	obstacle	NOUN
ajbmeb-1131	182	25	to	to	ADP
ajbmeb-1131	182	26	the	the	DET
ajbmeb-1131	182	27	widespread	widespread	ADJ
ajbmeb-1131	182	28	use	use	NOUN
ajbmeb-1131	182	29	of	of	ADP
ajbmeb-1131	182	30	financial	financial	ADJ
ajbmeb-1131	182	31	technology	technology	NOUN
ajbmeb-1131	182	32	.	.	PUNCT
ajbmeb-1131	183	1	on	on	ADP
ajbmeb-1131	183	2	the	the	DET
ajbmeb-1131	183	3	other	other	ADJ
ajbmeb-1131	183	4	hand	hand	NOUN
ajbmeb-1131	183	5	,	,	PUNCT
ajbmeb-1131	183	6	electronic	electronic	ADJ
ajbmeb-1131	183	7	attacks	attack	NOUN
ajbmeb-1131	183	8	lead	lead	VERB
ajbmeb-1131	183	9	to	to	ADP
ajbmeb-1131	183	10	(	(	PUNCT
ajbmeb-1131	183	11	operational	operational	ADJ
ajbmeb-1131	183	12	disruptions	disruption	NOUN
ajbmeb-1131	183	13	,	,	PUNCT
ajbmeb-1131	183	14	financial	financial	ADJ
ajbmeb-1131	183	15	losses	loss	NOUN
ajbmeb-1131	183	16	,	,	PUNCT
ajbmeb-1131	183	17	reputational	reputational	ADJ
ajbmeb-1131	183	18	damage	damage	NOUN
ajbmeb-1131	183	19	,	,	PUNCT
ajbmeb-1131	183	20	and	and	CCONJ
ajbmeb-1131	183	21	systemic	systemic	ADJ
ajbmeb-1131	183	22	risks	risk	NOUN
ajbmeb-1131	183	23	)	)	PUNCT
ajbmeb-1131	183	24	.	.	PUNCT
ajbmeb-1131	184	1	it	it	PRON
ajbmeb-1131	184	2	may	may	AUX
ajbmeb-1131	184	3	become	become	VERB
ajbmeb-1131	184	4	an	an	DET
ajbmeb-1131	184	5	impeding	impede	VERB
ajbmeb-1131	184	6	constraint	constraint	NOUN
ajbmeb-1131	184	7	unless	unless	SCONJ
ajbmeb-1131	184	8	work	work	NOUN
ajbmeb-1131	184	9	is	be	AUX
ajbmeb-1131	184	10	done	do	VERB
ajbmeb-1131	184	11	to	to	PART
ajbmeb-1131	184	12	strengthen	strengthen	VERB
ajbmeb-1131	184	13	the	the	DET
ajbmeb-1131	184	14	frameworks	framework	NOUN
ajbmeb-1131	184	15	of	of	ADP
ajbmeb-1131	184	16	information	information	NOUN
ajbmeb-1131	184	17	security	security	NOUN
ajbmeb-1131	184	18	.	.	PUNCT
ajbmeb-1131	185	1	although	although	SCONJ
ajbmeb-1131	185	2	the	the	DET
ajbmeb-1131	185	3	electronic	electronic	ADJ
ajbmeb-1131	185	4	risk	risk	NOUN
ajbmeb-1131	185	5	is	be	AUX
ajbmeb-1131	185	6	not	not	PART
ajbmeb-1131	185	7	a	a	DET
ajbmeb-1131	185	8	case	case	NOUN
ajbmeb-1131	185	9	unique	unique	ADJ
ajbmeb-1131	185	10	to	to	ADP
ajbmeb-1131	185	11	financial	financial	ADJ
ajbmeb-1131	185	12	technology	technology	NOUN
ajbmeb-1131	185	13	,	,	PUNCT
ajbmeb-1131	185	14	the	the	DET
ajbmeb-1131	185	15	expansion	expansion	NOUN
ajbmeb-1131	185	16	of	of	ADP
ajbmeb-1131	185	17	connectivity	connectivity	NOUN
ajbmeb-1131	185	18	through	through	ADP
ajbmeb-1131	185	19	digital	digital	ADJ
ajbmeb-1131	185	20	solutions	solution	NOUN
ajbmeb-1131	185	21	has	have	AUX
ajbmeb-1131	185	22	led	lead	VERB
ajbmeb-1131	185	23	to	to	ADP
ajbmeb-1131	185	24	an	an	DET
ajbmeb-1131	185	25	increase	increase	NOUN
ajbmeb-1131	185	26	in	in	ADP
ajbmeb-1131	185	27	the	the	DET
ajbmeb-1131	185	28	access	access	NOUN
ajbmeb-1131	185	29	points	point	NOUN
ajbmeb-1131	185	30	of	of	ADP
ajbmeb-1131	185	31	electronic	electronic	ADJ
ajbmeb-1131	185	32	hackers	hacker	NOUN
ajbmeb-1131	185	33	.	.	PUNCT
ajbmeb-1131	186	1	in	in	ADP
ajbmeb-1131	186	2	addition	addition	NOUN
ajbmeb-1131	186	3	,	,	PUNCT
ajbmeb-1131	186	4	although	although	SCONJ
ajbmeb-1131	186	5	only	only	ADV
ajbmeb-1131	186	6	a	a	DET
ajbmeb-1131	186	7	few	few	ADJ
ajbmeb-1131	186	8	cyber	cyber	NOUN
ajbmeb-1131	186	9	-	-	PUNCT
ajbmeb-1131	186	10	attacks	attack	NOUN
ajbmeb-1131	186	11	on	on	ADP
ajbmeb-1131	186	12	financial	financial	ADJ
ajbmeb-1131	186	13	institutions	institution	NOUN
ajbmeb-1131	186	14	succeeded	succeed	VERB
ajbmeb-1131	186	15	in	in	ADP
ajbmeb-1131	186	16	the	the	DET
ajbmeb-1131	186	17	middle	middle	PROPN
ajbmeb-1131	186	18	east	east	PROPN
ajbmeb-1131	186	19	,	,	PUNCT
ajbmeb-1131	186	20	north	north	PROPN
ajbmeb-1131	186	21	africa	africa	PROPN
ajbmeb-1131	186	22	,	,	PUNCT
ajbmeb-1131	186	23	afghanistan	afghanistan	PROPN
ajbmeb-1131	186	24	,	,	PUNCT
ajbmeb-1131	186	25	pakistan	pakistan	PROPN
ajbmeb-1131	186	26	,	,	PUNCT
ajbmeb-1131	186	27	the	the	DET
ajbmeb-1131	186	28	caucasus	caucasus	NOUN
ajbmeb-1131	186	29	,	,	PUNCT
ajbmeb-1131	186	30	and	and	CCONJ
ajbmeb-1131	186	31	central	central	ADJ
ajbmeb-1131	186	32	asia	asia	PROPN
ajbmeb-1131	186	33	,	,	PUNCT
ajbmeb-1131	186	34	reports	report	NOUN
ajbmeb-1131	186	35	indicate	indicate	VERB
ajbmeb-1131	186	36	an	an	DET
ajbmeb-1131	186	37	increase	increase	NOUN
ajbmeb-1131	186	38	in	in	ADP
ajbmeb-1131	186	39	the	the	DET
ajbmeb-1131	186	40	number	number	NOUN
ajbmeb-1131	186	41	of	of	ADP
ajbmeb-1131	186	42	attacks	attack	NOUN
ajbmeb-1131	186	43	on	on	ADP
ajbmeb-1131	186	44	banks	bank	NOUN
ajbmeb-1131	186	45	in	in	ADP
ajbmeb-1131	186	46	the	the	DET
ajbmeb-1131	186	47	region	region	NOUN
ajbmeb-1131	186	48	.	.	PUNCT
ajbmeb-1131	187	1	with	with	ADP
ajbmeb-1131	187	2	the	the	DET
ajbmeb-1131	187	3	rapid	rapid	ADJ
ajbmeb-1131	187	4	development	development	NOUN
ajbmeb-1131	187	5	and	and	CCONJ
ajbmeb-1131	187	6	complexity	complexity	NOUN
ajbmeb-1131	187	7	of	of	ADP
ajbmeb-1131	187	8	the	the	DET
ajbmeb-1131	187	9	nature	nature	NOUN
ajbmeb-1131	187	10	of	of	ADP
ajbmeb-1131	187	11	electronic	electronic	ADJ
ajbmeb-1131	187	12	crimes	crime	NOUN
ajbmeb-1131	187	13	,	,	PUNCT
ajbmeb-1131	187	14	at	at	ADP
ajbmeb-1131	187	15	the	the	DET
ajbmeb-1131	187	16	same	same	ADJ
ajbmeb-1131	187	17	time	time	NOUN
ajbmeb-1131	187	18	,	,	PUNCT
ajbmeb-1131	187	19	the	the	DET
ajbmeb-1131	187	20	preparations	preparation	NOUN
ajbmeb-1131	187	21	for	for	ADP
ajbmeb-1131	187	22	confronting	confront	VERB
ajbmeb-1131	187	23	the	the	DET
ajbmeb-1131	187	24	electronic	electronic	ADJ
ajbmeb-1131	187	25	threat	threat	NOUN
ajbmeb-1131	187	26	,	,	PUNCT
ajbmeb-1131	187	27	in	in	ADP
ajbmeb-1131	187	28	general	general	ADJ
ajbmeb-1131	187	29	,	,	PUNCT
ajbmeb-1131	187	30	are	be	AUX
ajbmeb-1131	187	31	still	still	ADV
ajbmeb-1131	187	32	weak	weak	ADJ
ajbmeb-1131	187	33	in	in	ADP
ajbmeb-1131	187	34	many	many	ADJ
ajbmeb-1131	187	35	countries	country	NOUN
ajbmeb-1131	187	36	.	.	PUNCT
ajbmeb-1131	188	1	reports	report	NOUN
ajbmeb-1131	188	2	have	have	AUX
ajbmeb-1131	188	3	indicated	indicate	VERB
ajbmeb-1131	188	4	that	that	SCONJ
ajbmeb-1131	188	5	there	there	PRON
ajbmeb-1131	188	6	is	be	VERB
ajbmeb-1131	188	7	no	no	DET
ajbmeb-1131	188	8	legislation	legislation	NOUN
ajbmeb-1131	188	9	on	on	ADP
ajbmeb-1131	188	10	cybercrime	cybercrime	NOUN
ajbmeb-1131	188	11	and	and	CCONJ
ajbmeb-1131	188	12	information	information	NOUN
ajbmeb-1131	188	13	security	security	NOUN
ajbmeb-1131	188	14	,	,	PUNCT
ajbmeb-1131	188	15	except	except	SCONJ
ajbmeb-1131	188	16	in	in	ADP
ajbmeb-1131	188	17	some	some	DET
ajbmeb-1131	188	18	countries	country	NOUN
ajbmeb-1131	188	19	in	in	ADP
ajbmeb-1131	188	20	the	the	DET
ajbmeb-1131	188	21	middle	middle	PROPN
ajbmeb-1131	188	22	east	east	PROPN
ajbmeb-1131	188	23	and	and	CCONJ
ajbmeb-1131	188	24	north	north	PROPN
ajbmeb-1131	188	25	africa	africa	PROPN
ajbmeb-1131	188	26	.	.	PUNCT
ajbmeb-1131	189	1	6	6	NUM
ajbmeb-1131	189	2	.	.	X
ajbmeb-1131	189	3	conclusions	conclusion	NOUN
ajbmeb-1131	189	4	and	and	CCONJ
ajbmeb-1131	189	5	recommendations	recommendation	NOUN
ajbmeb-1131	189	6	:	:	PUNCT
ajbmeb-1131	189	7	1financial	1financial	NUM
ajbmeb-1131	189	8	technology	technology	NOUN
ajbmeb-1131	189	9	has	have	AUX
ajbmeb-1131	189	10	become	become	VERB
ajbmeb-1131	189	11	an	an	DET
ajbmeb-1131	189	12	economic	economic	ADJ
ajbmeb-1131	189	13	necessity	necessity	NOUN
ajbmeb-1131	189	14	to	to	PART
ajbmeb-1131	189	15	keep	keep	VERB
ajbmeb-1131	189	16	pace	pace	NOUN
ajbmeb-1131	189	17	with	with	ADP
ajbmeb-1131	189	18	other	other	ADJ
ajbmeb-1131	189	19	economic	economic	ADJ
ajbmeb-1131	189	20	developments	development	NOUN
ajbmeb-1131	189	21	,	,	PUNCT
ajbmeb-1131	189	22	especially	especially	ADV
ajbmeb-1131	189	23	after	after	ADP
ajbmeb-1131	189	24	the	the	DET
ajbmeb-1131	189	25	widespread	widespread	ADJ
ajbmeb-1131	189	26	spread	spread	NOUN
ajbmeb-1131	189	27	of	of	ADP
ajbmeb-1131	189	28	electronic	electronic	ADJ
ajbmeb-1131	189	29	transactions	transaction	NOUN
ajbmeb-1131	189	30	,	,	PUNCT
ajbmeb-1131	189	31	and	and	CCONJ
ajbmeb-1131	189	32	as	as	ADP
ajbmeb-1131	189	33	a	a	DET
ajbmeb-1131	189	34	result	result	NOUN
ajbmeb-1131	189	35	of	of	ADP
ajbmeb-1131	189	36	the	the	DET
ajbmeb-1131	189	37	development	development	NOUN
ajbmeb-1131	189	38	of	of	ADP
ajbmeb-1131	189	39	innovations	innovation	NOUN
ajbmeb-1131	189	40	and	and	CCONJ
ajbmeb-1131	189	41	applications	application	NOUN
ajbmeb-1131	189	42	on	on	ADP
ajbmeb-1131	189	43	the	the	DET
ajbmeb-1131	189	44	mobile	mobile	ADJ
ajbmeb-1131	189	45	phone	phone	NOUN
ajbmeb-1131	189	46	that	that	PRON
ajbmeb-1131	189	47	serve	serve	VERB
ajbmeb-1131	189	48	financial	financial	ADJ
ajbmeb-1131	189	49	purposes	purpose	NOUN
ajbmeb-1131	189	50	.	.	PUNCT
ajbmeb-1131	190	1	2the	2the	DET
ajbmeb-1131	190	2	arab	arab	ADJ
ajbmeb-1131	190	3	countries	country	NOUN
ajbmeb-1131	190	4	have	have	AUX
ajbmeb-1131	190	5	taken	take	VERB
ajbmeb-1131	190	6	the	the	DET
ajbmeb-1131	190	7	development	development	NOUN
ajbmeb-1131	190	8	of	of	ADP
ajbmeb-1131	190	9	their	their	PRON
ajbmeb-1131	190	10	financial	financial	ADJ
ajbmeb-1131	190	11	systems	system	NOUN
ajbmeb-1131	190	12	under	under	ADP
ajbmeb-1131	190	13	the	the	DET
ajbmeb-1131	190	14	techniques	technique	NOUN
ajbmeb-1131	190	15	of	of	ADP
ajbmeb-1131	190	16	financial	financial	ADJ
ajbmeb-1131	190	17	technology	technology	NOUN
ajbmeb-1131	190	18	,	,	PUNCT
ajbmeb-1131	190	19	and	and	CCONJ
ajbmeb-1131	190	20	have	have	AUX
ajbmeb-1131	190	21	made	make	VERB
ajbmeb-1131	190	22	great	great	ADJ
ajbmeb-1131	190	23	strides	stride	NOUN
ajbmeb-1131	190	24	in	in	ADP
ajbmeb-1131	190	25	this	this	DET
ajbmeb-1131	190	26	field	field	NOUN
ajbmeb-1131	190	27	,	,	PUNCT
ajbmeb-1131	190	28	by	by	ADP
ajbmeb-1131	190	29	investing	invest	VERB
ajbmeb-1131	190	30	in	in	ADP
ajbmeb-1131	190	31	this	this	DET
ajbmeb-1131	190	32	technology	technology	NOUN
ajbmeb-1131	190	33	and	and	CCONJ
ajbmeb-1131	190	34	providing	provide	VERB
ajbmeb-1131	190	35	the	the	DET
ajbmeb-1131	190	36	infrastructure	infrastructure	NOUN
ajbmeb-1131	190	37	to	to	PART
ajbmeb-1131	190	38	keep	keep	VERB
ajbmeb-1131	190	39	pace	pace	NOUN
ajbmeb-1131	190	40	with	with	ADP
ajbmeb-1131	190	41	financial	financial	ADJ
ajbmeb-1131	190	42	developments	development	NOUN
ajbmeb-1131	190	43	.	.	PUNCT
ajbmeb-1131	191	1	3iraq	3iraq	NUM
ajbmeb-1131	191	2	has	have	AUX
ajbmeb-1131	191	3	not	not	PART
ajbmeb-1131	191	4	achieved	achieve	VERB
ajbmeb-1131	191	5	tangible	tangible	ADJ
ajbmeb-1131	191	6	development	development	NOUN
ajbmeb-1131	191	7	in	in	ADP
ajbmeb-1131	191	8	the	the	DET
ajbmeb-1131	191	9	field	field	NOUN
ajbmeb-1131	191	10	of	of	ADP
ajbmeb-1131	191	11	financial	financial	ADJ
ajbmeb-1131	191	12	technology	technology	NOUN
ajbmeb-1131	191	13	,	,	PUNCT
ajbmeb-1131	191	14	and	and	CCONJ
ajbmeb-1131	191	15	this	this	PRON
ajbmeb-1131	191	16	is	be	AUX
ajbmeb-1131	191	17	evident	evident	ADJ
ajbmeb-1131	191	18	through	through	ADP
ajbmeb-1131	191	19	the	the	DET
ajbmeb-1131	191	20	low	low	ADJ
ajbmeb-1131	191	21	indicators	indicator	NOUN
ajbmeb-1131	191	22	compared	compare	VERB
ajbmeb-1131	191	23	to	to	ADP
ajbmeb-1131	191	24	the	the	DET
ajbmeb-1131	191	25	arab	arab	ADJ
ajbmeb-1131	191	26	countries	country	NOUN
ajbmeb-1131	191	27	and	and	CCONJ
ajbmeb-1131	191	28	the	the	DET
ajbmeb-1131	191	29	world	world	NOUN
ajbmeb-1131	191	30	,	,	PUNCT
ajbmeb-1131	191	31	as	as	SCONJ
ajbmeb-1131	191	32	there	there	PRON
ajbmeb-1131	191	33	is	be	VERB
ajbmeb-1131	191	34	no	no	DET
ajbmeb-1131	191	35	capital	capital	NOUN
ajbmeb-1131	191	36	willing	willing	ADJ
ajbmeb-1131	191	37	to	to	PART
ajbmeb-1131	191	38	take	take	VERB
ajbmeb-1131	191	39	risks	risk	NOUN
ajbmeb-1131	191	40	and	and	CCONJ
ajbmeb-1131	191	41	invest	invest	VERB
ajbmeb-1131	191	42	in	in	ADP
ajbmeb-1131	191	43	this	this	DET
ajbmeb-1131	191	44	field	field	NOUN
ajbmeb-1131	191	45	.	.	PUNCT
ajbmeb-1131	192	1	in	in	ADP
ajbmeb-1131	192	2	addition	addition	NOUN
ajbmeb-1131	192	3	to	to	ADP
ajbmeb-1131	192	4	the	the	DET
ajbmeb-1131	192	5	lack	lack	NOUN
ajbmeb-1131	192	6	of	of	ADP
ajbmeb-1131	192	7	the	the	DET
ajbmeb-1131	192	8	necessary	necessary	ADJ
ajbmeb-1131	192	9	infrastructure	infrastructure	NOUN
ajbmeb-1131	192	10	for	for	ADP
ajbmeb-1131	192	11	the	the	DET
ajbmeb-1131	192	12	development	development	NOUN
ajbmeb-1131	192	13	of	of	ADP
ajbmeb-1131	192	14	this	this	DET
ajbmeb-1131	192	15	technology	technology	NOUN
ajbmeb-1131	192	16	,	,	PUNCT
ajbmeb-1131	192	17	making	make	VERB
ajbmeb-1131	192	18	this	this	DET
ajbmeb-1131	192	19	technology	technology	NOUN
ajbmeb-1131	192	20	ineffective	ineffective	ADJ
ajbmeb-1131	192	21	in	in	ADP
ajbmeb-1131	192	22	the	the	DET
ajbmeb-1131	192	23	daily	daily	ADJ
ajbmeb-1131	192	24	financial	financial	ADJ
ajbmeb-1131	192	25	transactions	transaction	NOUN
ajbmeb-1131	192	26	of	of	ADP
ajbmeb-1131	192	27	the	the	DET
ajbmeb-1131	192	28	citizen	citizen	PROPN
ajbmeb-1131	192	29	.	.	PUNCT
ajbmeb-1131	193	1	american	american	PROPN
ajbmeb-1131	193	2	journal	journal	PROPN
ajbmeb-1131	193	3	of	of	ADP
ajbmeb-1131	193	4	business	business	NOUN
ajbmeb-1131	193	5	management	management	NOUN
ajbmeb-1131	193	6	,	,	PUNCT
ajbmeb-1131	193	7	economics	economic	NOUN
ajbmeb-1131	193	8	and	and	CCONJ
ajbmeb-1131	193	9	banking	banking	NOUN
ajbmeb-1131	193	10	volume	volume	NOUN
ajbmeb-1131	193	11	15	15	NUM
ajbmeb-1131	193	12	august	august	PROPN
ajbmeb-1131	193	13	,	,	PUNCT
ajbmeb-1131	193	14	2023	2023	NUM
ajbmeb-1131	193	15	p	p	NOUN
ajbmeb-1131	193	16	a	a	DET
ajbmeb-1131	193	17	g	g	NOUN
ajbmeb-1131	193	18	e	e	NOUN
ajbmeb-1131	193	19	|	|	ADV
ajbmeb-1131	193	20	51	51	NUM
ajbmeb-1131	193	21	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1131	193	22	4weak	4weak	NUM
ajbmeb-1131	193	23	banking	banking	NOUN
ajbmeb-1131	193	24	culture	culture	NOUN
ajbmeb-1131	193	25	among	among	ADP
ajbmeb-1131	193	26	the	the	DET
ajbmeb-1131	193	27	masses	masse	NOUN
ajbmeb-1131	193	28	of	of	ADP
ajbmeb-1131	193	29	customers	customer	NOUN
ajbmeb-1131	193	30	,	,	PUNCT
ajbmeb-1131	193	31	because	because	SCONJ
ajbmeb-1131	193	32	there	there	PRON
ajbmeb-1131	193	33	is	be	VERB
ajbmeb-1131	193	34	fear	fear	NOUN
ajbmeb-1131	193	35	on	on	ADP
ajbmeb-1131	193	36	the	the	DET
ajbmeb-1131	193	37	part	part	NOUN
ajbmeb-1131	193	38	of	of	ADP
ajbmeb-1131	193	39	individuals	individual	NOUN
ajbmeb-1131	193	40	in	in	ADP
ajbmeb-1131	193	41	dealing	deal	VERB
ajbmeb-1131	193	42	with	with	ADP
ajbmeb-1131	193	43	this	this	DET
ajbmeb-1131	193	44	service	service	NOUN
ajbmeb-1131	193	45	,	,	PUNCT
ajbmeb-1131	193	46	and	and	CCONJ
ajbmeb-1131	193	47	the	the	DET
ajbmeb-1131	193	48	iraqi	iraqi	ADJ
ajbmeb-1131	193	49	banking	banking	NOUN
ajbmeb-1131	193	50	system	system	NOUN
ajbmeb-1131	193	51	did	do	AUX
ajbmeb-1131	193	52	not	not	PART
ajbmeb-1131	193	53	encourage	encourage	VERB
ajbmeb-1131	193	54	commercial	commercial	ADJ
ajbmeb-1131	193	55	centers	center	NOUN
ajbmeb-1131	193	56	to	to	PART
ajbmeb-1131	193	57	open	open	VERB
ajbmeb-1131	193	58	accounts	account	NOUN
ajbmeb-1131	193	59	so	so	SCONJ
ajbmeb-1131	193	60	that	that	SCONJ
ajbmeb-1131	193	61	individuals	individual	NOUN
ajbmeb-1131	193	62	could	could	AUX
ajbmeb-1131	193	63	buy	buy	VERB
ajbmeb-1131	193	64	from	from	ADP
ajbmeb-1131	193	65	these	these	DET
ajbmeb-1131	193	66	centers	center	NOUN
ajbmeb-1131	193	67	through	through	ADP
ajbmeb-1131	193	68	plastic	plastic	ADJ
ajbmeb-1131	193	69	cards	card	NOUN
ajbmeb-1131	193	70	.	.	PUNCT
ajbmeb-1131	194	1	in	in	ADP
ajbmeb-1131	194	2	addition	addition	NOUN
ajbmeb-1131	194	3	,	,	PUNCT
ajbmeb-1131	194	4	the	the	DET
ajbmeb-1131	194	5	weakness	weakness	NOUN
ajbmeb-1131	194	6	of	of	ADP
ajbmeb-1131	194	7	the	the	DET
ajbmeb-1131	194	8	spread	spread	NOUN
ajbmeb-1131	194	9	of	of	ADP
ajbmeb-1131	194	10	atms	atms	NOUN
ajbmeb-1131	194	11	in	in	ADP
ajbmeb-1131	194	12	various	various	ADJ
ajbmeb-1131	194	13	places	place	NOUN
ajbmeb-1131	194	14	and	and	CCONJ
ajbmeb-1131	194	15	their	their	PRON
ajbmeb-1131	194	16	presence	presence	NOUN
ajbmeb-1131	194	17	in	in	ADP
ajbmeb-1131	194	18	banks	bank	NOUN
ajbmeb-1131	194	19	only	only	ADV
ajbmeb-1131	194	20	,	,	PUNCT
ajbmeb-1131	194	21	makes	make	VERB
ajbmeb-1131	194	22	it	it	PRON
ajbmeb-1131	194	23	difficult	difficult	ADJ
ajbmeb-1131	194	24	for	for	SCONJ
ajbmeb-1131	194	25	individuals	individual	NOUN
ajbmeb-1131	194	26	to	to	PART
ajbmeb-1131	194	27	access	access	VERB
ajbmeb-1131	194	28	the	the	DET
ajbmeb-1131	194	29	machines	machine	NOUN
ajbmeb-1131	194	30	for	for	ADP
ajbmeb-1131	194	31	cash	cash	NOUN
ajbmeb-1131	194	32	withdrawal	withdrawal	NOUN
ajbmeb-1131	194	33	.	.	PUNCT
ajbmeb-1131	195	1	second	second	ADJ
ajbmeb-1131	195	2	:	:	PUNCT
ajbmeb-1131	195	3	recommendations	recommendation	NOUN
ajbmeb-1131	195	4	1work	1work	NUM
ajbmeb-1131	195	5	on	on	ADP
ajbmeb-1131	195	6	developing	develop	VERB
ajbmeb-1131	195	7	the	the	DET
ajbmeb-1131	195	8	necessary	necessary	ADJ
ajbmeb-1131	195	9	infrastructure	infrastructure	NOUN
ajbmeb-1131	195	10	for	for	ADP
ajbmeb-1131	195	11	the	the	DET
ajbmeb-1131	195	12	development	development	NOUN
ajbmeb-1131	195	13	of	of	ADP
ajbmeb-1131	195	14	financial	financial	ADJ
ajbmeb-1131	195	15	technology	technology	NOUN
ajbmeb-1131	195	16	,	,	PUNCT
ajbmeb-1131	195	17	and	and	CCONJ
ajbmeb-1131	195	18	provide	provide	VERB
ajbmeb-1131	195	19	broad	broad	ADJ
ajbmeb-1131	195	20	institutional	institutional	ADJ
ajbmeb-1131	195	21	support	support	NOUN
ajbmeb-1131	195	22	through	through	ADP
ajbmeb-1131	195	23	the	the	DET
ajbmeb-1131	195	24	establishment	establishment	NOUN
ajbmeb-1131	195	25	of	of	ADP
ajbmeb-1131	195	26	incubators	incubator	NOUN
ajbmeb-1131	195	27	and	and	CCONJ
ajbmeb-1131	195	28	accelerators	accelerator	NOUN
ajbmeb-1131	195	29	to	to	PART
ajbmeb-1131	195	30	help	help	VERB
ajbmeb-1131	195	31	increase	increase	VERB
ajbmeb-1131	195	32	the	the	DET
ajbmeb-1131	195	33	emerging	emerge	VERB
ajbmeb-1131	195	34	company	company	NOUN
ajbmeb-1131	195	35	in	in	ADP
ajbmeb-1131	195	36	the	the	DET
ajbmeb-1131	195	37	field	field	NOUN
ajbmeb-1131	195	38	of	of	ADP
ajbmeb-1131	195	39	financial	financial	ADJ
ajbmeb-1131	195	40	technology	technology	NOUN
ajbmeb-1131	195	41	.	.	PUNCT
ajbmeb-1131	196	1	2raising	2raise	VERB
ajbmeb-1131	196	2	awareness	awareness	NOUN
ajbmeb-1131	196	3	levels	level	NOUN
ajbmeb-1131	196	4	in	in	ADP
ajbmeb-1131	196	5	society	society	NOUN
ajbmeb-1131	196	6	to	to	PART
ajbmeb-1131	196	7	increase	increase	VERB
ajbmeb-1131	196	8	the	the	DET
ajbmeb-1131	196	9	demand	demand	NOUN
ajbmeb-1131	196	10	for	for	ADP
ajbmeb-1131	196	11	financial	financial	ADJ
ajbmeb-1131	196	12	technology	technology	NOUN
ajbmeb-1131	196	13	services	service	NOUN
ajbmeb-1131	196	14	,	,	PUNCT
ajbmeb-1131	196	15	as	as	SCONJ
ajbmeb-1131	196	16	the	the	DET
ajbmeb-1131	196	17	availability	availability	NOUN
ajbmeb-1131	196	18	of	of	ADP
ajbmeb-1131	196	19	trust	trust	NOUN
ajbmeb-1131	196	20	and	and	CCONJ
ajbmeb-1131	196	21	the	the	DET
ajbmeb-1131	196	22	reduction	reduction	NOUN
ajbmeb-1131	196	23	of	of	ADP
ajbmeb-1131	196	24	uncertainty	uncertainty	NOUN
ajbmeb-1131	196	25	is	be	AUX
ajbmeb-1131	196	26	one	one	NUM
ajbmeb-1131	196	27	of	of	ADP
ajbmeb-1131	196	28	the	the	DET
ajbmeb-1131	196	29	important	important	ADJ
ajbmeb-1131	196	30	factors	factor	NOUN
ajbmeb-1131	196	31	for	for	ADP
ajbmeb-1131	196	32	using	use	VERB
ajbmeb-1131	196	33	financial	financial	ADJ
ajbmeb-1131	196	34	technology	technology	NOUN
ajbmeb-1131	196	35	as	as	ADP
ajbmeb-1131	196	36	a	a	DET
ajbmeb-1131	196	37	payment	payment	NOUN
ajbmeb-1131	196	38	channel	channel	NOUN
ajbmeb-1131	196	39	,	,	PUNCT
ajbmeb-1131	196	40	as	as	ADV
ajbmeb-1131	196	41	well	well	ADV
ajbmeb-1131	196	42	as	as	ADP
ajbmeb-1131	196	43	the	the	DET
ajbmeb-1131	196	44	availability	availability	NOUN
ajbmeb-1131	196	45	of	of	ADP
ajbmeb-1131	196	46	channels	channel	NOUN
ajbmeb-1131	196	47	to	to	PART
ajbmeb-1131	196	48	promote	promote	VERB
ajbmeb-1131	196	49	this	this	DET
ajbmeb-1131	196	50	type	type	NOUN
ajbmeb-1131	196	51	of	of	ADP
ajbmeb-1131	196	52	service	service	NOUN
ajbmeb-1131	196	53	.	.	PUNCT
ajbmeb-1131	197	1	3work	3work	NUM
ajbmeb-1131	197	2	to	to	PART
ajbmeb-1131	197	3	develop	develop	VERB
ajbmeb-1131	197	4	legislation	legislation	NOUN
ajbmeb-1131	197	5	and	and	CCONJ
ajbmeb-1131	197	6	legal	legal	ADJ
ajbmeb-1131	197	7	regulations	regulation	NOUN
ajbmeb-1131	197	8	that	that	PRON
ajbmeb-1131	197	9	facilitate	facilitate	VERB
ajbmeb-1131	197	10	the	the	DET
ajbmeb-1131	197	11	work	work	NOUN
ajbmeb-1131	197	12	of	of	ADP
ajbmeb-1131	197	13	digital	digital	ADJ
ajbmeb-1131	197	14	financial	financial	ADJ
ajbmeb-1131	197	15	services	service	NOUN
ajbmeb-1131	197	16	,	,	PUNCT
ajbmeb-1131	197	17	which	which	PRON
ajbmeb-1131	197	18	must	must	AUX
ajbmeb-1131	197	19	be	be	AUX
ajbmeb-1131	197	20	balanced	balance	VERB
ajbmeb-1131	197	21	with	with	ADP
ajbmeb-1131	197	22	monitoring	monitoring	NOUN
ajbmeb-1131	197	23	and	and	CCONJ
ajbmeb-1131	197	24	follow	follow	VERB
ajbmeb-1131	197	25	-	-	PUNCT
ajbmeb-1131	197	26	up	up	NOUN
ajbmeb-1131	197	27	to	to	PART
ajbmeb-1131	197	28	reduce	reduce	VERB
ajbmeb-1131	197	29	money	money	NOUN
ajbmeb-1131	197	30	laundering	laundering	NOUN
ajbmeb-1131	197	31	or	or	CCONJ
ajbmeb-1131	197	32	illegal	illegal	ADJ
ajbmeb-1131	197	33	financing	financing	NOUN
ajbmeb-1131	197	34	operations	operation	NOUN
ajbmeb-1131	197	35	.	.	PUNCT
ajbmeb-1131	198	1	sources	source	NOUN
ajbmeb-1131	198	2	:	:	PUNCT
ajbmeb-1131	198	3	1	1	X
ajbmeb-1131	198	4	.	.	X
ajbmeb-1131	198	5	saida	saida	PROPN
ajbmeb-1131	198	6	harfoush	harfoush	PROPN
ajbmeb-1131	198	7	,	,	PUNCT
ajbmeb-1131	198	8	(	(	PUNCT
ajbmeb-1131	198	9	2019	2019	NUM
ajbmeb-1131	198	10	)	)	PUNCT
ajbmeb-1131	198	11	financial	financial	ADJ
ajbmeb-1131	198	12	technology	technology	NOUN
ajbmeb-1131	198	13	is	be	AUX
ajbmeb-1131	198	14	a	a	DET
ajbmeb-1131	198	15	promising	promising	ADJ
ajbmeb-1131	198	16	industry	industry	NOUN
ajbmeb-1131	198	17	in	in	ADP
ajbmeb-1131	198	18	the	the	DET
ajbmeb-1131	198	19	arab	arab	ADJ
ajbmeb-1131	198	20	world	world	NOUN
ajbmeb-1131	198	21	,	,	PUNCT
ajbmeb-1131	198	22	scientific	scientific	ADJ
ajbmeb-1131	198	23	horizons	horizon	NOUN
ajbmeb-1131	198	24	magazine	magazine	NOUN
ajbmeb-1131	198	25	,	,	PUNCT
ajbmeb-1131	198	26	volume	volume	NOUN
ajbmeb-1131	198	27	11	11	NUM
ajbmeb-1131	198	28	,	,	PUNCT
ajbmeb-1131	198	29	issue	issue	NOUN
ajbmeb-1131	198	30	3	3	NUM
ajbmeb-1131	198	31	.	.	NOUN
ajbmeb-1131	198	32	2	2	NUM
ajbmeb-1131	198	33	.	.	X
ajbmeb-1131	199	1	the	the	DET
ajbmeb-1131	199	2	central	central	ADJ
ajbmeb-1131	199	3	bank	bank	PROPN
ajbmeb-1131	199	4	of	of	ADP
ajbmeb-1131	199	5	jordan	jordan	PROPN
ajbmeb-1131	199	6	,	,	PUNCT
ajbmeb-1131	199	7	(	(	PUNCT
ajbmeb-1131	199	8	2020	2020	NUM
ajbmeb-1131	199	9	)	)	PUNCT
ajbmeb-1131	199	10	department	department	NOUN
ajbmeb-1131	199	11	of	of	ADP
ajbmeb-1131	199	12	supervision	supervision	NOUN
ajbmeb-1131	199	13	and	and	CCONJ
ajbmeb-1131	199	14	control	control	NOUN
ajbmeb-1131	199	15	of	of	ADP
ajbmeb-1131	199	16	the	the	DET
ajbmeb-1131	199	17	national	national	ADJ
ajbmeb-1131	199	18	payments	payment	NOUN
ajbmeb-1131	199	19	system	system	NOUN
ajbmeb-1131	199	20	.	.	PUNCT
ajbmeb-1131	200	1	3	3	X
ajbmeb-1131	200	2	.	.	X
ajbmeb-1131	200	3	sima	sima	PROPN
ajbmeb-1131	200	4	mohsen	mohsen	PROPN
ajbmeb-1131	200	5	allawi	allawi	PROPN
ajbmeb-1131	200	6	,	,	PUNCT
ajbmeb-1131	200	7	(	(	PUNCT
ajbmeb-1131	200	8	2020	2020	NUM
ajbmeb-1131	200	9	)	)	PUNCT
ajbmeb-1131	200	10	the	the	DET
ajbmeb-1131	200	11	impact	impact	NOUN
ajbmeb-1131	200	12	of	of	ADP
ajbmeb-1131	200	13	virtual	virtual	ADJ
ajbmeb-1131	200	14	currencies	currency	NOUN
ajbmeb-1131	200	15	on	on	ADP
ajbmeb-1131	200	16	monetary	monetary	ADJ
ajbmeb-1131	200	17	policy	policy	NOUN
ajbmeb-1131	200	18	and	and	CCONJ
ajbmeb-1131	200	19	the	the	DET
ajbmeb-1131	200	20	central	central	ADJ
ajbmeb-1131	200	21	bank	bank	NOUN
ajbmeb-1131	200	22	,	,	PUNCT
ajbmeb-1131	200	23	journal	journal	NOUN
ajbmeb-1131	200	24	of	of	ADP
ajbmeb-1131	200	25	the	the	DET
ajbmeb-1131	200	26	university	university	NOUN
ajbmeb-1131	200	27	college	college	NOUN
ajbmeb-1131	200	28	of	of	ADP
ajbmeb-1131	200	29	economic	economic	ADJ
ajbmeb-1131	200	30	sciences	science	NOUN
ajbmeb-1131	200	31	of	of	ADP
ajbmeb-1131	200	32	baghdad	baghdad	PROPN
ajbmeb-1131	200	33	the	the	DET
ajbmeb-1131	200	34	special	special	ADJ
ajbmeb-1131	200	35	issue	issue	NOUN
ajbmeb-1131	200	36	of	of	ADP
ajbmeb-1131	200	37	the	the	DET
ajbmeb-1131	200	38	scientific	scientific	ADJ
ajbmeb-1131	200	39	conference	conference	NOUN
ajbmeb-1131	200	40	of	of	ADP
ajbmeb-1131	200	41	the	the	DET
ajbmeb-1131	200	42	department	department	NOUN
ajbmeb-1131	200	43	of	of	ADP
ajbmeb-1131	200	44	accounting	accounting	PROPN
ajbmeb-1131	200	45	sciences	sciences	PROPN
ajbmeb-1131	200	46	,	,	PUNCT
ajbmeb-1131	200	47	college	college	NOUN
ajbmeb-1131	200	48	of	of	ADP
ajbmeb-1131	200	49	administration	administration	PROPN
ajbmeb-1131	200	50	and	and	CCONJ
ajbmeb-1131	200	51	economics	economics	PROPN
ajbmeb-1131	200	52	iraqi	iraqi	PROPN
ajbmeb-1131	200	53	university	university	NOUN
ajbmeb-1131	200	54	.	.	PUNCT
ajbmeb-1131	201	1	4	4	X
ajbmeb-1131	201	2	.	.	X
ajbmeb-1131	201	3	heba	heba	PROPN
ajbmeb-1131	201	4	abdel	abdel	PROPN
ajbmeb-1131	201	5	moneim	moneim	PROPN
ajbmeb-1131	201	6	,	,	PUNCT
ajbmeb-1131	201	7	(	(	PUNCT
ajbmeb-1131	201	8	2020	2020	NUM
ajbmeb-1131	201	9	)	)	PUNCT
ajbmeb-1131	201	10	the	the	DET
ajbmeb-1131	201	11	reality	reality	NOUN
ajbmeb-1131	201	12	of	of	ADP
ajbmeb-1131	201	13	digital	digital	ADJ
ajbmeb-1131	201	14	currency	currency	NOUN
ajbmeb-1131	201	15	accord	accord	NOUN
ajbmeb-1131	201	16	,	,	PUNCT
ajbmeb-1131	201	17	policy	policy	NOUN
ajbmeb-1131	201	18	brief	brief	NOUN
ajbmeb-1131	201	19	,	,	PUNCT
ajbmeb-1131	201	20	arab	arab	ADJ
ajbmeb-1131	201	21	monetary	monetary	PROPN
ajbmeb-1131	201	22	fund	fund	PROPN
ajbmeb-1131	201	23	,	,	PUNCT
ajbmeb-1131	201	24	kuwait	kuwait	PROPN
ajbmeb-1131	201	25	.	.	PUNCT
ajbmeb-1131	202	1	5	5	X
ajbmeb-1131	202	2	.	.	X
ajbmeb-1131	202	3	central	central	PROPN
ajbmeb-1131	202	4	bank	bank	PROPN
ajbmeb-1131	202	5	of	of	ADP
ajbmeb-1131	202	6	iraq	iraq	PROPN
ajbmeb-1131	202	7	,	,	PUNCT
ajbmeb-1131	202	8	(	(	PUNCT
ajbmeb-1131	202	9	2020	2020	NUM
ajbmeb-1131	202	10	)	)	PUNCT
ajbmeb-1131	202	11	annual	annual	ADJ
ajbmeb-1131	202	12	financial	financial	ADJ
ajbmeb-1131	202	13	stability	stability	NOUN
ajbmeb-1131	202	14	report	report	NOUN
ajbmeb-1131	202	15	,	,	PUNCT
ajbmeb-1131	202	16	iraq	iraq	PROPN
ajbmeb-1131	202	17	.	.	PUNCT
ajbmeb-1131	203	1	6	6	X
ajbmeb-1131	203	2	.	.	X
ajbmeb-1131	203	3	central	central	PROPN
ajbmeb-1131	203	4	bank	bank	PROPN
ajbmeb-1131	203	5	of	of	ADP
ajbmeb-1131	203	6	kuwait	kuwait	PROPN
ajbmeb-1131	203	7	,	,	PUNCT
ajbmeb-1131	203	8	(	(	PUNCT
ajbmeb-1131	203	9	2022	2022	NUM
ajbmeb-1131	203	10	)	)	PUNCT
ajbmeb-1131	203	11	financial	financial	ADJ
ajbmeb-1131	203	12	stability	stability	NOUN
ajbmeb-1131	203	13	report	report	NOUN
ajbmeb-1131	203	14	2021	2021	NUM
ajbmeb-1131	203	15	,	,	PUNCT
ajbmeb-1131	203	16	kuwait	kuwait	PROPN
ajbmeb-1131	203	17	.	.	PUNCT
ajbmeb-1131	204	1	7	7	X
ajbmeb-1131	204	2	.	.	X
ajbmeb-1131	204	3	the	the	DET
ajbmeb-1131	204	4	central	central	ADJ
ajbmeb-1131	204	5	bank	bank	PROPN
ajbmeb-1131	204	6	of	of	ADP
ajbmeb-1131	204	7	iraq	iraq	PROPN
ajbmeb-1131	204	8	,	,	PUNCT
ajbmeb-1131	204	9	(	(	PUNCT
ajbmeb-1131	204	10	2022	2022	NUM
ajbmeb-1131	204	11	)	)	PUNCT
ajbmeb-1131	204	12	https://cbi.iq/news/view/512	https://cbi.iq/news/view/512	PROPN
ajbmeb-1131	204	13	8	8	NUM
ajbmeb-1131	204	14	.	.	PUNCT
ajbmeb-1131	205	1	walid	walid	PROPN
ajbmeb-1131	205	2	al	al	PROPN
ajbmeb-1131	205	3	-	-	PUNCT
ajbmeb-1131	205	4	yafei	yafei	PROPN
ajbmeb-1131	205	5	,	,	PUNCT
ajbmeb-1131	205	6	the	the	DET
ajbmeb-1131	205	7	importance	importance	NOUN
ajbmeb-1131	205	8	of	of	ADP
ajbmeb-1131	205	9	electronic	electronic	ADJ
ajbmeb-1131	205	10	payment	payment	NOUN
ajbmeb-1131	205	11	in	in	ADP
ajbmeb-1131	205	12	iraq	iraq	PROPN
ajbmeb-1131	205	13	,	,	PUNCT
ajbmeb-1131	205	14	obstacles	obstacle	NOUN
ajbmeb-1131	205	15	that	that	PRON
ajbmeb-1131	205	16	limit	limit	VERB
ajbmeb-1131	205	17	its	its	PRON
ajbmeb-1131	205	18	development	development	NOUN
ajbmeb-1131	205	19	,	,	PUNCT
ajbmeb-1131	205	20	available	available	ADJ
ajbmeb-1131	205	21	at	at	ADP
ajbmeb-1131	205	22	the	the	DET
ajbmeb-1131	205	23	link	link	NOUN
ajbmeb-1131	205	24	(	(	PUNCT
ajbmeb-1131	205	25	2022	2022	NUM
ajbmeb-1131	205	26	)	)	PUNCT
ajbmeb-1131	205	27	https://fatora.io/blog/electronic-payment-in-iraq/	https://fatora.io/blog/electronic-payment-in-iraq/	NOUN
ajbmeb-1131	205	28	9	9	NUM
ajbmeb-1131	205	29	.	.	PUNCT
ajbmeb-1131	206	1	regional	regional	ADJ
ajbmeb-1131	206	2	economic	economic	ADJ
ajbmeb-1131	206	3	outlook	outlook	NOUN
ajbmeb-1131	206	4	,	,	PUNCT
ajbmeb-1131	206	5	2017	2017	NUM
ajbmeb-1131	206	6	.	.	PUNCT
ajbmeb-1131	207	1	10	10	NUM
ajbmeb-1131	207	2	.	.	PUNCT
ajbmeb-1131	207	3	financial	financial	ADJ
ajbmeb-1131	207	4	technology	technology	NOUN
ajbmeb-1131	207	5	in	in	ADP
ajbmeb-1131	207	6	egypt	egypt	PROPN
ajbmeb-1131	207	7	,	,	PUNCT
ajbmeb-1131	207	8	(	(	PUNCT
ajbmeb-1131	207	9	2020	2020	NUM
ajbmeb-1131	207	10	)	)	PUNCT
ajbmeb-1131	207	11	cabinet	cabinet	NOUN
ajbmeb-1131	207	12	,	,	PUNCT
ajbmeb-1131	207	13	information	information	NOUN
ajbmeb-1131	207	14	,	,	PUNCT
ajbmeb-1131	207	15	and	and	CCONJ
ajbmeb-1131	207	16	decision	decision	NOUN
ajbmeb-1131	207	17	support	support	NOUN
ajbmeb-1131	207	18	center	center	NOUN
ajbmeb-1131	207	19	,	,	PUNCT
ajbmeb-1131	207	20	year	year	NOUN
ajbmeb-1131	207	21	(	(	PUNCT
ajbmeb-1131	207	22	1	1	NUM
ajbmeb-1131	207	23	)	)	PUNCT
ajbmeb-1131	207	24	,	,	PUNCT
ajbmeb-1131	207	25	issue	issue	NOUN
ajbmeb-1131	207	26	(	(	PUNCT
ajbmeb-1131	207	27	11	11	NUM
ajbmeb-1131	207	28	)	)	PUNCT
ajbmeb-1131	207	29	,	,	PUNCT
ajbmeb-1131	207	30	egypt	egypt	PROPN
ajbmeb-1131	207	31	.	.	PUNCT
ajbmeb-1131	208	1	11	11	NUM
ajbmeb-1131	208	2	.	.	X
ajbmeb-1131	209	1	https://data.albankaldawli.org/indicator/fb.atm.totl.p5?view=chart	https://data.albankaldawli.org/indicator/fb.atm.totl.p5?view=chart	VERB
ajbmeb-1131	209	2	the	the	DET
ajbmeb-1131	209	3	world	world	NOUN
ajbmeb-1131	209	4	bank	bank	PROPN
ajbmeb-1131	209	5	12	12	NUM
ajbmeb-1131	209	6	.	.	PUNCT
ajbmeb-1131	210	1	the	the	DET
ajbmeb-1131	210	2	world	world	PROPN
ajbmeb-1131	210	3	bank	bank	PROPN
ajbmeb-1131	210	4	https://www.cryptoarabe.com/2021/01/13/whatfintech-future-how-works	https://www.cryptoarabe.com/2021/01/13/whatfintech-future-how-work	VERB
ajbmeb-1131	210	5	13	13	NUM
ajbmeb-1131	210	6	.	.	PUNCT
ajbmeb-1131	211	1	arner	arner	NOUN
ajbmeb-1131	211	2	,	,	PUNCT
ajbmeb-1131	211	3	d.	d.	PROPN
ajbmeb-1131	211	4	w.	w.	PROPN
ajbmeb-1131	211	5	,	,	PUNCT
ajbmeb-1131	211	6	barberis	barberis	PROPN
ajbmeb-1131	211	7	,	,	PUNCT
ajbmeb-1131	211	8	j.	j.	PROPN
ajbmeb-1131	211	9	n.	n.	PROPN
ajbmeb-1131	211	10	,	,	PUNCT
ajbmeb-1131	211	11	&	&	CCONJ
ajbmeb-1131	211	12	buckley	buckley	PROPN
ajbmeb-1131	211	13	,	,	PUNCT
ajbmeb-1131	211	14	r.	r.	PROPN
ajbmeb-1131	211	15	p.	p.	PROPN
ajbmeb-1131	211	16	(	(	PUNCT
ajbmeb-1131	211	17	2015	2015	NUM
ajbmeb-1131	211	18	)	)	PUNCT
ajbmeb-1131	211	19	.	.	PUNCT
ajbmeb-1131	212	1	the	the	DET
ajbmeb-1131	212	2	evolution	evolution	NOUN
ajbmeb-1131	212	3	of	of	ADP
ajbmeb-1131	212	4	fintech	fintech	NOUN
ajbmeb-1131	212	5	:	:	PUNCT
ajbmeb-1131	212	6	a	a	DET
ajbmeb-1131	212	7	new	new	ADJ
ajbmeb-1131	212	8	postcrisis	postcrisis	NOUN
ajbmeb-1131	212	9	paradigm	paradigm	NOUN
ajbmeb-1131	212	10	?	?	PUNCT
ajbmeb-1131	213	1	ssrn	ssrn	PROPN
ajbmeb-1131	213	2	electronic	electronic	ADJ
ajbmeb-1131	213	3	journal	journal	NOUN
ajbmeb-1131	213	4	,	,	PUNCT
ajbmeb-1131	213	5	research	research	NOUN
ajbmeb-1131	213	6	paper	paper	NOUN
ajbmeb-1131	213	7	no	no	NOUN
ajbmeb-1131	213	8	.	.	PUNCT
ajbmeb-1131	213	9	2015/047	2015/047	NUM
ajbmeb-1131	213	10	.	.	PUNCT
ajbmeb-1131	213	11	https://doi.org/10.2139/ssrn.2676553	https://doi.org/10.2139/ssrn.2676553	PROPN
ajbmeb-1131	214	1	14	14	NUM
ajbmeb-1131	214	2	.	.	PUNCT
ajbmeb-1131	215	1	dhanavandan	dhanavandan	PROPN
ajbmeb-1131	215	2	,	,	PUNCT
ajbmeb-1131	215	3	s.	s.	PROPN
ajbmeb-1131	215	4	,	,	PUNCT
ajbmeb-1131	215	5	mohammed	mohammed	PROPN
ajbmeb-1131	215	6	esmail	esmail	PROPN
ajbmeb-1131	215	7	,	,	PUNCT
ajbmeb-1131	215	8	s.	s.	PROPN
ajbmeb-1131	215	9	,	,	PUNCT
ajbmeb-1131	215	10	&	&	CCONJ
ajbmeb-1131	215	11	nagarajan	nagarajan	PROPN
ajbmeb-1131	215	12	,	,	PUNCT
ajbmeb-1131	215	13	m.	m.	NOUN
ajbmeb-1131	215	14	(	(	PUNCT
ajbmeb-1131	215	15	2012	2012	NUM
ajbmeb-1131	215	16	)	)	PUNCT
ajbmeb-1131	215	17	.	.	PUNCT
ajbmeb-1131	216	1	access	access	NOUN
ajbmeb-1131	216	2	and	and	CCONJ
ajbmeb-1131	216	3	awareness	awareness	NOUN
ajbmeb-1131	216	4	of	of	ADP
ajbmeb-1131	216	5	ict	ict	PROPN
ajbmeb-1131	216	6	resources	resource	NOUN
ajbmeb-1131	216	7	and	and	CCONJ
ajbmeb-1131	216	8	services	service	NOUN
ajbmeb-1131	216	9	in	in	ADP
ajbmeb-1131	216	10	medical	medical	ADJ
ajbmeb-1131	216	11	college	college	NOUN
ajbmeb-1131	216	12	libraries	library	NOUN
ajbmeb-1131	216	13	in	in	ADP
ajbmeb-1131	216	14	puducherry	puducherry	PROPN
ajbmeb-1131	216	15	.	.	PUNCT
ajbmeb-1131	217	1	library	library	ADJ
ajbmeb-1131	217	2	philosophy	philosophy	NOUN
ajbmeb-1131	217	3	and	and	CCONJ
ajbmeb-1131	217	4	practice	practice	NOUN
ajbmeb-1131	217	5	(	(	PUNCT
ajbmeb-1131	217	6	e	e	NOUN
ajbmeb-1131	217	7	-	-	NOUN
ajbmeb-1131	217	8	journal	journal	NOUN
ajbmeb-1131	217	9	)	)	PUNCT
ajbmeb-1131	217	10	,	,	PUNCT
ajbmeb-1131	217	11	5(may	5(may	NUM
ajbmeb-1131	217	12	)	)	PUNCT
ajbmeb-1131	217	13	,	,	PUNCT
ajbmeb-1131	217	14	2–12	2–12	PROPN
ajbmeb-1131	217	15	.	.	PUNCT
ajbmeb-1131	218	1	https://digitalcommons.unl.edu/libphilprac/750	https://digitalcommons.unl.edu/libphilprac/750	NOUN
ajbmeb-1131	218	2	15	15	NUM
ajbmeb-1131	218	3	.	.	PUNCT
ajbmeb-1131	219	1	gu	gu	PROPN
ajbmeb-1131	219	2	,	,	PUNCT
ajbmeb-1131	219	3	j.	j.	PROPN
ajbmeb-1131	219	4	b.	b.	PROPN
ajbmeb-1131	219	5	,	,	PUNCT
ajbmeb-1131	219	6	&	&	CCONJ
ajbmeb-1131	219	7	luiss	luiss	ADJ
ajbmeb-1131	219	8	,	,	PUNCT
ajbmeb-1131	219	9	l.	l.	PROPN
ajbmeb-1131	219	10	g.	g.	PROPN
ajbmeb-1131	219	11	(	(	PUNCT
ajbmeb-1131	219	12	2021	2021	NUM
ajbmeb-1131	219	13	)	)	PUNCT
ajbmeb-1131	219	14	.	.	PUNCT
ajbmeb-1131	220	1	innovation	innovation	NOUN
ajbmeb-1131	220	2	and	and	CCONJ
ajbmeb-1131	220	3	industrial	industrial	ADJ
ajbmeb-1131	220	4	management	management	NOUN
ajbmeb-1131	220	5	fintech	fintech	NOUN
ajbmeb-1131	220	6	companies	company	NOUN
ajbmeb-1131	220	7	 	 	SPACE
ajbmeb-1131	220	8	:	:	PUNCT
ajbmeb-1131	220	9	innovation	innovation	NOUN
ajbmeb-1131	220	10	,	,	PUNCT
ajbmeb-1131	220	11	algorithms	algorithm	NOUN
ajbmeb-1131	220	12	,	,	PUNCT
ajbmeb-1131	220	13	and	and	CCONJ
ajbmeb-1131	220	14	customer	customer	NOUN
ajbmeb-1131	220	15	centric	centric	PROPN
ajbmeb-1131	220	16	perspective	perspective	NOUN
ajbmeb-1131	220	17	a	a	DET
ajbmeb-1131	220	18	cross	cross	ADJ
ajbmeb-1131	220	19	-	-	ADJ
ajbmeb-1131	220	20	sectional	sectional	ADJ
ajbmeb-1131	220	21	study	study	NOUN
ajbmeb-1131	220	22	on	on	ADP
ajbmeb-1131	220	23	algorithmic	algorithmic	ADJ
ajbmeb-1131	220	24	trading	trading	NOUN
ajbmeb-1131	220	25	in	in	ADP
ajbmeb-1131	220	26	the	the	DET
ajbmeb-1131	220	27	fintech	fintech	NOUN
ajbmeb-1131	220	28	industry	industry	NOUN
ajbmeb-1131	220	29	supervisors	supervisor	NOUN
ajbmeb-1131	220	30	.	.	PUNCT
ajbmeb-1131	221	1	16	16	NUM
ajbmeb-1131	221	2	.	.	PUNCT
ajbmeb-1131	222	1	hashem	hashem	PROPN
ajbmeb-1131	222	2	,	,	PUNCT
ajbmeb-1131	222	3	s.	s.	PROPN
ajbmeb-1131	222	4	d.	d.	PROPN
ajbmeb-1131	222	5	(	(	PUNCT
ajbmeb-1131	222	6	2021	2021	NUM
ajbmeb-1131	222	7	)	)	PUNCT
ajbmeb-1131	222	8	.	.	PUNCT
ajbmeb-1131	223	1	an	an	DET
ajbmeb-1131	223	2	investigation	investigation	NOUN
ajbmeb-1131	223	3	of	of	ADP
ajbmeb-1131	223	4	client	client	NOUN
ajbmeb-1131	223	5	evaluation	evaluation	NOUN
ajbmeb-1131	223	6	of	of	ADP
ajbmeb-1131	223	7	banking	banking	NOUN
ajbmeb-1131	223	8	service	service	NOUN
ajbmeb-1131	223	9	quality	quality	NOUN
ajbmeb-1131	223	10	in	in	ADP
ajbmeb-1131	223	11	iraq	iraq	PROPN
ajbmeb-1131	223	12	banking	banking	NOUN
ajbmeb-1131	223	13	business	business	NOUN
ajbmeb-1131	223	14	.	.	PUNCT
ajbmeb-1131	224	1	journal	journal	PROPN
ajbmeb-1131	224	2	of	of	ADP
ajbmeb-1131	224	3	contemporary	contemporary	ADJ
ajbmeb-1131	224	4	issues	issue	NOUN
ajbmeb-1131	224	5	in	in	ADP
ajbmeb-1131	224	6	business	business	NOUN
ajbmeb-1131	224	7	and	and	CCONJ
ajbmeb-1131	224	8	government	government	NOUN
ajbmeb-1131	224	9	,	,	PUNCT
ajbmeb-1131	224	10	27(3	27(3	NUM
ajbmeb-1131	224	11	)	)	PUNCT
ajbmeb-1131	224	12	.	.	PUNCT
ajbmeb-1131	225	1	https://data.albankaldawli.org/indicator/fb.atm.totl.p5?view=chart	https://data.albankaldawli.org/indicator/fb.atm.totl.p5?view=chart	PROPN
ajbmeb-1131	225	2	https://www.cryptoarabe.com/2021/01/13/whatamerican	https://www.cryptoarabe.com/2021/01/13/whatamerican	PROPN
ajbmeb-1131	225	3	journal	journal	PROPN
ajbmeb-1131	225	4	of	of	ADP
ajbmeb-1131	225	5	business	business	NOUN
ajbmeb-1131	225	6	management	management	NOUN
ajbmeb-1131	225	7	,	,	PUNCT
ajbmeb-1131	225	8	economics	economic	NOUN
ajbmeb-1131	225	9	and	and	CCONJ
ajbmeb-1131	225	10	banking	banking	NOUN
ajbmeb-1131	225	11	volume	volume	NOUN
ajbmeb-1131	225	12	15	15	NUM
ajbmeb-1131	225	13	august	august	PROPN
ajbmeb-1131	225	14	,	,	PUNCT
ajbmeb-1131	225	15	2023	2023	NUM
ajbmeb-1131	225	16	p	p	NOUN
ajbmeb-1131	225	17	a	a	DET
ajbmeb-1131	225	18	g	g	NOUN
ajbmeb-1131	225	19	e	e	NOUN
ajbmeb-1131	225	20	|	|	ADV
ajbmeb-1131	225	21	52	52	NUM
ajbmeb-1131	225	22	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1131	225	23	https://doi.org/10.47750/cibg.2021.27.03.320	https://doi.org/10.47750/cibg.2021.27.03.320	PROPN
ajbmeb-1131	225	24	17	17	NUM
ajbmeb-1131	225	25	.	.	PUNCT
ajbmeb-1131	226	1	iluba	iluba	PROPN
ajbmeb-1131	226	2	,	,	PUNCT
ajbmeb-1131	226	3	e.	e.	PROPN
ajbmeb-1131	226	4	,	,	PUNCT
ajbmeb-1131	226	5	&	&	CCONJ
ajbmeb-1131	226	6	phiri	phiri	PROPN
ajbmeb-1131	226	7	,	,	PUNCT
ajbmeb-1131	226	8	j.	j.	PROPN
ajbmeb-1131	226	9	(	(	PUNCT
ajbmeb-1131	226	10	2021	2021	NUM
ajbmeb-1131	226	11	)	)	PUNCT
ajbmeb-1131	226	12	.	.	PUNCT
ajbmeb-1131	227	1	the	the	DET
ajbmeb-1131	227	2	fintech	fintech	NOUN
ajbmeb-1131	227	3	evolution	evolution	NOUN
ajbmeb-1131	227	4	and	and	CCONJ
ajbmeb-1131	227	5	its	its	PRON
ajbmeb-1131	227	6	effect	effect	NOUN
ajbmeb-1131	227	7	on	on	ADP
ajbmeb-1131	227	8	traditional	traditional	ADJ
ajbmeb-1131	227	9	banking	banking	NOUN
ajbmeb-1131	227	10	in	in	ADP
ajbmeb-1131	227	11	africa	africa	PROPN
ajbmeb-1131	227	12	—	—	PUNCT
ajbmeb-1131	227	13	a	a	DET
ajbmeb-1131	227	14	case	case	NOUN
ajbmeb-1131	227	15	of	of	ADP
ajbmeb-1131	227	16	zambia	zambia	PROPN
ajbmeb-1131	227	17	.	.	PUNCT
ajbmeb-1131	228	1	open	open	ADJ
ajbmeb-1131	228	2	journal	journal	PROPN
ajbmeb-1131	228	3	of	of	ADP
ajbmeb-1131	228	4	business	business	NOUN
ajbmeb-1131	228	5	and	and	CCONJ
ajbmeb-1131	228	6	management	management	NOUN
ajbmeb-1131	228	7	,	,	PUNCT
ajbmeb-1131	228	8	09(02	09(02	NOUN
ajbmeb-1131	228	9	)	)	PUNCT
ajbmeb-1131	228	10	,	,	PUNCT
ajbmeb-1131	228	11	838–850	838–850	NUM
ajbmeb-1131	228	12	.	.	PUNCT
ajbmeb-1131	229	1	https://doi.org/10.4236/ojbm.2021.92043	https://doi.org/10.4236/ojbm.2021.92043	PROPN
ajbmeb-1131	229	2	18	18	NUM
ajbmeb-1131	229	3	.	.	PUNCT
ajbmeb-1131	229	4	kou	kou	PROPN
ajbmeb-1131	229	5	,	,	PUNCT
ajbmeb-1131	229	6	g.	g.	PROPN
ajbmeb-1131	229	7	,	,	PUNCT
ajbmeb-1131	229	8	olgu	olgu	ADJ
ajbmeb-1131	229	9	akdeniz	akdeniz	PROPN
ajbmeb-1131	229	10	,	,	PUNCT
ajbmeb-1131	229	11	ö.	ö.	PROPN
ajbmeb-1131	229	12	,	,	PUNCT
ajbmeb-1131	229	13	dinçer	dinçer	PROPN
ajbmeb-1131	229	14	,	,	PUNCT
ajbmeb-1131	229	15	h.	h.	PROPN
ajbmeb-1131	229	16	,	,	PUNCT
ajbmeb-1131	229	17	&	&	CCONJ
ajbmeb-1131	229	18	yüksel	yüksel	PROPN
ajbmeb-1131	229	19	,	,	PUNCT
ajbmeb-1131	229	20	s.	s.	PROPN
ajbmeb-1131	229	21	(	(	PUNCT
ajbmeb-1131	229	22	2021	2021	NUM
ajbmeb-1131	229	23	)	)	PUNCT
ajbmeb-1131	229	24	.	.	PUNCT
ajbmeb-1131	230	1	fintech	fintech	NOUN
ajbmeb-1131	230	2	investments	investment	NOUN
ajbmeb-1131	230	3	in	in	ADP
ajbmeb-1131	230	4	european	european	ADJ
ajbmeb-1131	230	5	banks	bank	NOUN
ajbmeb-1131	230	6	:	:	PUNCT
ajbmeb-1131	230	7	a	a	DET
ajbmeb-1131	230	8	hybrid	hybrid	ADJ
ajbmeb-1131	230	9	it2	it2	NOUN
ajbmeb-1131	230	10	fuzzy	fuzzy	ADJ
ajbmeb-1131	230	11	multidimensional	multidimensional	ADJ
ajbmeb-1131	230	12	decision	decision	NOUN
ajbmeb-1131	230	13	-	-	PUNCT
ajbmeb-1131	230	14	making	make	VERB
ajbmeb-1131	230	15	approach	approach	NOUN
ajbmeb-1131	230	16	.	.	PUNCT
ajbmeb-1131	231	1	financial	financial	ADJ
ajbmeb-1131	231	2	innovation	innovation	NOUN
ajbmeb-1131	231	3	,	,	PUNCT
ajbmeb-1131	231	4	7(1	7(1	NUM
ajbmeb-1131	231	5	)	)	PUNCT
ajbmeb-1131	231	6	.	.	PUNCT
ajbmeb-1131	232	1	https://doi.org/10.1186/s40854-021-00256-y	https://doi.org/10.1186/s40854-021-00256-y	NOUN
ajbmeb-1131	232	2	19	19	NUM
ajbmeb-1131	232	3	.	.	PUNCT
ajbmeb-1131	233	1	kpmg	kpmg	PROPN
ajbmeb-1131	233	2	.	.	PUNCT
ajbmeb-1131	234	1	(	(	PUNCT
ajbmeb-1131	234	2	2018	2018	NUM
ajbmeb-1131	234	3	)	)	PUNCT
ajbmeb-1131	234	4	.	.	PUNCT
ajbmeb-1131	235	1	forging	forge	VERB
ajbmeb-1131	235	2	the	the	DET
ajbmeb-1131	235	3	future	future	NOUN
ajbmeb-1131	235	4	:	:	PUNCT
ajbmeb-1131	235	5	how	how	SCONJ
ajbmeb-1131	235	6	financial	financial	ADJ
ajbmeb-1131	235	7	institutions	institution	NOUN
ajbmeb-1131	235	8	are	be	AUX
ajbmeb-1131	235	9	embracing	embrace	VERB
ajbmeb-1131	235	10	fintech	fintech	NOUN
ajbmeb-1131	235	11	to	to	PART
ajbmeb-1131	235	12	evolve	evolve	VERB
ajbmeb-1131	235	13	and	and	CCONJ
ajbmeb-1131	235	14	grow	grow	VERB
ajbmeb-1131	235	15	.	.	PUNCT
ajbmeb-1131	236	1	kpmg	kpmg	PROPN
ajbmeb-1131	236	2	global	global	PROPN
ajbmeb-1131	236	3	fintech	fintech	PROPN
ajbmeb-1131	236	4	report	report	NOUN
ajbmeb-1131	236	5	,	,	PUNCT
ajbmeb-1131	236	6	78–114	78–114	NUM
ajbmeb-1131	236	7	.	.	PUNCT
ajbmeb-1131	236	8	https://doi.org/10.2307/j.ctv5cg9pm.11	https://doi.org/10.2307/j.ctv5cg9pm.11	PROPN
ajbmeb-1131	236	9	20	20	NUM
ajbmeb-1131	236	10	.	.	PUNCT
ajbmeb-1131	237	1	leong	leong	PROPN
ajbmeb-1131	237	2	,	,	PUNCT
ajbmeb-1131	237	3	k.	k.	PROPN
ajbmeb-1131	237	4	(	(	PUNCT
ajbmeb-1131	237	5	2018	2018	NUM
ajbmeb-1131	237	6	)	)	PUNCT
ajbmeb-1131	237	7	.	.	PUNCT
ajbmeb-1131	238	1	fintech	fintech	NOUN
ajbmeb-1131	238	2	(	(	PUNCT
ajbmeb-1131	238	3	financial	financial	ADJ
ajbmeb-1131	238	4	technology	technology	NOUN
ajbmeb-1131	238	5	):	):	PUNCT
ajbmeb-1131	238	6	what	what	PRON
ajbmeb-1131	238	7	is	be	AUX
ajbmeb-1131	238	8	it	it	PRON
ajbmeb-1131	238	9	and	and	CCONJ
ajbmeb-1131	238	10	how	how	SCONJ
ajbmeb-1131	238	11	to	to	PART
ajbmeb-1131	238	12	use	use	VERB
ajbmeb-1131	238	13	technologies	technology	NOUN
ajbmeb-1131	238	14	to	to	PART
ajbmeb-1131	238	15	create	create	VERB
ajbmeb-1131	238	16	business	business	NOUN
ajbmeb-1131	238	17	value	value	NOUN
ajbmeb-1131	238	18	in	in	ADP
ajbmeb-1131	238	19	fintech	fintech	NOUN
ajbmeb-1131	238	20	way	way	NOUN
ajbmeb-1131	238	21	?	?	PUNCT
ajbmeb-1131	239	1	international	international	ADJ
ajbmeb-1131	239	2	journal	journal	NOUN
ajbmeb-1131	239	3	of	of	ADP
ajbmeb-1131	239	4	innovation	innovation	NOUN
ajbmeb-1131	239	5	,	,	PUNCT
ajbmeb-1131	239	6	management	management	NOUN
ajbmeb-1131	239	7	,	,	PUNCT
ajbmeb-1131	239	8	and	and	CCONJ
ajbmeb-1131	239	9	technology	technology	NOUN
ajbmeb-1131	239	10	,	,	PUNCT
ajbmeb-1131	239	11	9(2	9(2	NUM
ajbmeb-1131	239	12	)	)	PUNCT
ajbmeb-1131	239	13	,	,	PUNCT
ajbmeb-1131	239	14	74–78	74–78	NUM
ajbmeb-1131	239	15	.	.	PUNCT
ajbmeb-1131	239	16	https://doi.org/10.18178/ijimt.2018.9.2.791	https://doi.org/10.18178/ijimt.2018.9.2.791	PROPN
ajbmeb-1131	239	17	21	21	NUM
ajbmeb-1131	239	18	.	.	PUNCT
ajbmeb-1131	240	1	lin	lin	PROPN
ajbmeb-1131	240	2	,	,	PUNCT
ajbmeb-1131	240	3	t.	t.	PROPN
ajbmeb-1131	240	4	c.	c.	PROPN
ajbmeb-1131	240	5	w.	w.	PROPN
ajbmeb-1131	240	6	(	(	PUNCT
ajbmeb-1131	240	7	2015	2015	NUM
ajbmeb-1131	240	8	)	)	PUNCT
ajbmeb-1131	240	9	.	.	PUNCT
ajbmeb-1131	241	1	infinite	infinite	ADJ
ajbmeb-1131	241	2	financial	financial	ADJ
ajbmeb-1131	241	3	intermediation	intermediation	NOUN
ajbmeb-1131	241	4	.	.	PUNCT
ajbmeb-1131	242	1	wake	wake	VERB
ajbmeb-1131	242	2	forest	forest	NOUN
ajbmeb-1131	242	3	law	law	PROPN
ajbmeb-1131	242	4	review	review	NOUN
ajbmeb-1131	242	5	,	,	PUNCT
ajbmeb-1131	242	6	50(643	50(643	PROPN
ajbmeb-1131	242	7	)	)	PUNCT
ajbmeb-1131	242	8	,	,	PUNCT
ajbmeb-1131	242	9	temple	temple	PROPN
ajbmeb-1131	242	10	university	university	PROPN
ajbmeb-1131	242	11	legal	legal	ADJ
ajbmeb-1131	242	12	studies	study	NOUN
ajbmeb-1131	242	13	research	research	NOUN
ajbmeb-1131	242	14	paper	paper	NOUN
ajbmeb-1131	242	15	no	no	INTJ
ajbmeb-1131	242	16	.	.	PUNCT
ajbmeb-1131	243	1	https://ssrn.com/abstract=2711379	https://ssrn.com/abstract=2711379	PROPN
ajbmeb-1131	243	2	22	22	NUM
ajbmeb-1131	243	3	.	.	PUNCT
ajbmeb-1131	244	1	liu	liu	PROPN
ajbmeb-1131	244	2	,	,	PUNCT
ajbmeb-1131	244	3	y.	y.	PROPN
ajbmeb-1131	244	4	,	,	PUNCT
ajbmeb-1131	244	5	saleem	saleem	PROPN
ajbmeb-1131	244	6	,	,	PUNCT
ajbmeb-1131	244	7	s.	s.	PROPN
ajbmeb-1131	244	8	,	,	PUNCT
ajbmeb-1131	244	9	shabbir	shabbir	PROPN
ajbmeb-1131	244	10	,	,	PUNCT
ajbmeb-1131	244	11	r.	r.	PROPN
ajbmeb-1131	244	12	,	,	PUNCT
ajbmeb-1131	244	13	shabbir	shabbir	PROPN
ajbmeb-1131	244	14	,	,	PUNCT
ajbmeb-1131	244	15	m.	m.	NOUN
ajbmeb-1131	244	16	s.	s.	PROPN
ajbmeb-1131	244	17	,	,	PUNCT
ajbmeb-1131	244	18	irshad	irshad	VERB
ajbmeb-1131	244	19	,	,	PUNCT
ajbmeb-1131	244	20	a.	a.	PROPN
ajbmeb-1131	244	21	,	,	PUNCT
ajbmeb-1131	244	22	&	&	CCONJ
ajbmeb-1131	244	23	khan	khan	PROPN
ajbmeb-1131	244	24	,	,	PUNCT
ajbmeb-1131	244	25	s.	s.	PROPN
ajbmeb-1131	244	26	(	(	PUNCT
ajbmeb-1131	244	27	2021	2021	NUM
ajbmeb-1131	244	28	)	)	PUNCT
ajbmeb-1131	244	29	.	.	PUNCT
ajbmeb-1131	245	1	the	the	DET
ajbmeb-1131	245	2	relationship	relationship	NOUN
ajbmeb-1131	245	3	between	between	ADP
ajbmeb-1131	245	4	corporate	corporate	ADJ
ajbmeb-1131	245	5	social	social	ADJ
ajbmeb-1131	245	6	responsibility	responsibility	NOUN
ajbmeb-1131	245	7	and	and	CCONJ
ajbmeb-1131	245	8	financial	financial	ADJ
ajbmeb-1131	245	9	performance	performance	NOUN
ajbmeb-1131	245	10	:	:	PUNCT
ajbmeb-1131	245	11	a	a	DET
ajbmeb-1131	245	12	moderate	moderate	ADJ
ajbmeb-1131	245	13	role	role	NOUN
ajbmeb-1131	245	14	of	of	ADP
ajbmeb-1131	245	15	fintech	fintech	NOUN
ajbmeb-1131	245	16	technology	technology	NOUN
ajbmeb-1131	245	17	.	.	PUNCT
ajbmeb-1131	246	1	environmental	environmental	ADJ
ajbmeb-1131	246	2	science	science	NOUN
ajbmeb-1131	246	3	and	and	CCONJ
ajbmeb-1131	246	4	pollution	pollution	NOUN
ajbmeb-1131	246	5	research	research	NOUN
ajbmeb-1131	246	6	,	,	PUNCT
ajbmeb-1131	246	7	28(16	28(16	NOUN
ajbmeb-1131	246	8	)	)	PUNCT
ajbmeb-1131	246	9	,	,	PUNCT
ajbmeb-1131	246	10	20174–20187	20174–20187	NUM
ajbmeb-1131	246	11	.	.	PUNCT
ajbmeb-1131	246	12	https://doi.org/10.1007/s11356-020-11822-9	https://doi.org/10.1007/s11356-020-11822-9	VERB
ajbmeb-1131	246	13	23	23	NUM
ajbmeb-1131	246	14	.	.	PUNCT
ajbmeb-1131	247	1	micu	micu	PROPN
ajbmeb-1131	247	2	,	,	PUNCT
ajbmeb-1131	247	3	a.	a.	NOUN
ajbmeb-1131	247	4	(	(	PUNCT
ajbmeb-1131	247	5	2016	2016	NUM
ajbmeb-1131	247	6	)	)	PUNCT
ajbmeb-1131	247	7	.	.	PUNCT
ajbmeb-1131	248	1	financial	financial	ADJ
ajbmeb-1131	248	2	technology	technology	NOUN
ajbmeb-1131	248	3	(	(	PUNCT
ajbmeb-1131	248	4	fintech	fintech	NOUN
ajbmeb-1131	248	5	)	)	PUNCT
ajbmeb-1131	248	6	and	and	CCONJ
ajbmeb-1131	248	7	its	its	PRON
ajbmeb-1131	248	8	implementation	implementation	NOUN
ajbmeb-1131	248	9	on	on	ADP
ajbmeb-1131	248	10	the	the	DET
ajbmeb-1131	248	11	romanian	romanian	ADJ
ajbmeb-1131	248	12	nonbanking	nonbanking	ADJ
ajbmeb-1131	248	13	capital	capital	NOUN
ajbmeb-1131	248	14	market	market	NOUN
ajbmeb-1131	248	15	.	.	PUNCT
ajbmeb-1131	249	1	sea	sea	NOUN
ajbmeb-1131	249	2	–	–	PUNCT
ajbmeb-1131	249	3	practical	practical	ADJ
ajbmeb-1131	249	4	application	application	NOUN
ajbmeb-1131	249	5	of	of	ADP
ajbmeb-1131	249	6	science	science	NOUN
ajbmeb-1131	249	7	,	,	PUNCT
ajbmeb-1131	249	8	iv(11	iv(11	PROPN
ajbmeb-1131	249	9	)	)	PUNCT
ajbmeb-1131	249	10	,	,	PUNCT
ajbmeb-1131	249	11	379–384	379–384	NUM
ajbmeb-1131	249	12	.	.	PUNCT
ajbmeb-1131	250	1	24	24	NUM
ajbmeb-1131	250	2	.	.	PUNCT
ajbmeb-1131	250	3	mukherjee	mukherjee	PROPN
ajbmeb-1131	250	4	,	,	PUNCT
ajbmeb-1131	250	5	anastasios	anastasio	VERB
ajbmeb-1131	250	6	fountis	fountis	PROPN
ajbmeb-1131	250	7	&	&	CCONJ
ajbmeb-1131	250	8	moumita	moumita	PROPN
ajbmeb-1131	250	9	.	.	PUNCT
ajbmeb-1131	251	1	(	(	PUNCT
ajbmeb-1131	251	2	2021	2021	NUM
ajbmeb-1131	251	3	)	)	PUNCT
ajbmeb-1131	251	4	.	.	PUNCT
ajbmeb-1131	252	1	n26	n26	PROPN
ajbmeb-1131	252	2	 	 	SPACE
ajbmeb-1131	252	3	:	:	PUNCT
ajbmeb-1131	252	4	a	a	DET
ajbmeb-1131	252	5	fintech	fintech	NOUN
ajbmeb-1131	252	6	revolutionizing	revolutionize	VERB
ajbmeb-1131	252	7	the	the	DET
ajbmeb-1131	252	8	banking	banking	NOUN
ajbmeb-1131	252	9	sector	sector	NOUN
ajbmeb-1131	252	10	'	'	PART
ajbmeb-1131	252	11	s	s	NOUN
ajbmeb-1131	252	12	supply	supply	NOUN
ajbmeb-1131	252	13	.	.	PUNCT
ajbmeb-1131	253	1	journalnxa	journalnxa	PROPN
ajbmeb-1131	253	2	multidisciplinary	multidisciplinary	ADJ
ajbmeb-1131	253	3	peer	peer	NOUN
ajbmeb-1131	253	4	reviewed	review	VERB
ajbmeb-1131	253	5	journal	journal	NOUN
ajbmeb-1131	253	6	,	,	PUNCT
ajbmeb-1131	253	7	7(2	7(2	NUM
ajbmeb-1131	253	8	)	)	PUNCT
ajbmeb-1131	253	9	,	,	PUNCT
ajbmeb-1131	253	10	389–404	389–404	NUM
ajbmeb-1131	253	11	.	.	PUNCT
ajbmeb-1131	254	1	25	25	NUM
ajbmeb-1131	254	2	.	.	PUNCT
ajbmeb-1131	254	3	nikkel	nikkel	PROPN
ajbmeb-1131	254	4	,	,	PUNCT
ajbmeb-1131	254	5	b.	b.	PROPN
ajbmeb-1131	254	6	(	(	PUNCT
ajbmeb-1131	254	7	2020	2020	NUM
ajbmeb-1131	254	8	)	)	PUNCT
ajbmeb-1131	254	9	.	.	PUNCT
ajbmeb-1131	255	1	fintech	fintech	NOUN
ajbmeb-1131	255	2	forensics	forensic	NOUN
ajbmeb-1131	255	3	:	:	PUNCT
ajbmeb-1131	255	4	criminal	criminal	ADJ
ajbmeb-1131	255	5	investigation	investigation	NOUN
ajbmeb-1131	255	6	and	and	CCONJ
ajbmeb-1131	255	7	digital	digital	ADJ
ajbmeb-1131	255	8	evidence	evidence	NOUN
ajbmeb-1131	255	9	in	in	ADP
ajbmeb-1131	255	10	financial	financial	ADJ
ajbmeb-1131	255	11	technologies	technology	NOUN
ajbmeb-1131	255	12	.	.	PUNCT
ajbmeb-1131	256	1	forensic	forensic	ADJ
ajbmeb-1131	256	2	science	science	PROPN
ajbmeb-1131	256	3	international	international	PROPN
ajbmeb-1131	256	4	:	:	PUNCT
ajbmeb-1131	256	5	digital	digital	ADJ
ajbmeb-1131	256	6	investigation	investigation	NOUN
ajbmeb-1131	256	7	,	,	PUNCT
ajbmeb-1131	256	8	200908	200908	NUM
ajbmeb-1131	256	9	.	.	PUNCT
ajbmeb-1131	257	1	https://doi.org/10.1016/j.fsidi.2020.200908	https://doi.org/10.1016/j.fsidi.2020.200908	PROPN
ajbmeb-1131	257	2	26	26	NUM
ajbmeb-1131	257	3	.	.	PUNCT
ajbmeb-1131	258	1	palmié	palmié	PROPN
ajbmeb-1131	258	2	,	,	PUNCT
ajbmeb-1131	258	3	m.	m.	NOUN
ajbmeb-1131	258	4	,	,	PUNCT
ajbmeb-1131	258	5	wincent	wincent	NOUN
ajbmeb-1131	258	6	,	,	PUNCT
ajbmeb-1131	258	7	j.	j.	PROPN
ajbmeb-1131	258	8	,	,	PUNCT
ajbmeb-1131	258	9	parida	parida	PROPN
ajbmeb-1131	258	10	,	,	PUNCT
ajbmeb-1131	258	11	v.	v.	PROPN
ajbmeb-1131	258	12	,	,	PUNCT
ajbmeb-1131	258	13	&	&	CCONJ
ajbmeb-1131	258	14	caglar	caglar	ADJ
ajbmeb-1131	258	15	,	,	PUNCT
ajbmeb-1131	258	16	u.	u.	PROPN
ajbmeb-1131	258	17	(	(	PUNCT
ajbmeb-1131	258	18	2020	2020	NUM
ajbmeb-1131	258	19	)	)	PUNCT
ajbmeb-1131	258	20	.	.	PUNCT
ajbmeb-1131	259	1	the	the	DET
ajbmeb-1131	259	2	evolution	evolution	NOUN
ajbmeb-1131	259	3	of	of	ADP
ajbmeb-1131	259	4	the	the	DET
ajbmeb-1131	259	5	financial	financial	ADJ
ajbmeb-1131	259	6	technology	technology	PROPN
ajbmeb-1131	259	7	ecosystem	ecosystem	NOUN
ajbmeb-1131	259	8	:	:	PUNCT
ajbmeb-1131	259	9	an	an	DET
ajbmeb-1131	259	10	introduction	introduction	NOUN
ajbmeb-1131	259	11	and	and	CCONJ
ajbmeb-1131	259	12	agenda	agenda	NOUN
ajbmeb-1131	259	13	for	for	ADP
ajbmeb-1131	259	14	future	future	ADJ
ajbmeb-1131	259	15	research	research	NOUN
ajbmeb-1131	259	16	on	on	ADP
ajbmeb-1131	259	17	disruptive	disruptive	ADJ
ajbmeb-1131	259	18	innovations	innovation	NOUN
ajbmeb-1131	259	19	in	in	ADP
ajbmeb-1131	259	20	ecosystems	ecosystem	NOUN
ajbmeb-1131	259	21	.	.	PUNCT
ajbmeb-1131	260	1	technological	technological	ADJ
ajbmeb-1131	260	2	forecasting	forecasting	NOUN
ajbmeb-1131	260	3	and	and	CCONJ
ajbmeb-1131	260	4	social	social	ADJ
ajbmeb-1131	260	5	change	change	NOUN
ajbmeb-1131	260	6	.	.	PUNCT
ajbmeb-1131	261	1	https://doi.org/10.1016/j.techfore.2019.119779	https://doi.org/10.1016/j.techfore.2019.119779	VERB
ajbmeb-1131	261	2	27	27	NUM
ajbmeb-1131	261	3	.	.	PUNCT
ajbmeb-1131	262	1	pant	pant	PROPN
ajbmeb-1131	262	2	joshi	joshi	PROPN
ajbmeb-1131	262	3	,	,	PUNCT
ajbmeb-1131	262	4	d.	d.	PROPN
ajbmeb-1131	262	5	(	(	PUNCT
ajbmeb-1131	262	6	2011	2011	NUM
ajbmeb-1131	262	7	)	)	PUNCT
ajbmeb-1131	262	8	.	.	PUNCT
ajbmeb-1131	263	1	financial	financial	ADJ
ajbmeb-1131	263	2	inclusion	inclusion	PROPN
ajbmeb-1131	263	3	&	&	CCONJ
ajbmeb-1131	263	4	financial	financial	ADJ
ajbmeb-1131	263	5	literacy	literacy	NOUN
ajbmeb-1131	263	6	.	.	PUNCT
ajbmeb-1131	264	1	bi	bi	PROPN
ajbmeb-1131	264	2	oecd	oecd	PROPN
ajbmeb-1131	264	3	seminar	seminar	NOUN
ajbmeb-1131	264	4	–	–	PUNCT
ajbmeb-1131	264	5	roundtable	roundtable	ADJ
ajbmeb-1131	264	6	on	on	ADP
ajbmeb-1131	264	7	the	the	DET
ajbmeb-1131	264	8	updates	update	NOUN
ajbmeb-1131	264	9	on	on	ADP
ajbmeb-1131	264	10	financial	financial	ADJ
ajbmeb-1131	264	11	education	education	NOUN
ajbmeb-1131	264	12	and	and	CCONJ
ajbmeb-1131	264	13	inclusion	inclusion	NOUN
ajbmeb-1131	264	14	programmes	programme	NOUN
ajbmeb-1131	264	15	in	in	ADP
ajbmeb-1131	264	16	india	india	PROPN
ajbmeb-1131	264	17	.	.	PUNCT
ajbmeb-1131	265	1	28	28	NUM
ajbmeb-1131	265	2	.	.	PUNCT
ajbmeb-1131	266	1	salman	salman	PROPN
ajbmeb-1131	266	2	,	,	PUNCT
ajbmeb-1131	266	3	m.	m.	PROPN
ajbmeb-1131	266	4	d.	d.	PROPN
ajbmeb-1131	266	5	(	(	PUNCT
ajbmeb-1131	266	6	2020	2020	NUM
ajbmeb-1131	266	7	)	)	PUNCT
ajbmeb-1131	266	8	.	.	PUNCT
ajbmeb-1131	267	1	the	the	DET
ajbmeb-1131	267	2	development	development	NOUN
ajbmeb-1131	267	3	of	of	ADP
ajbmeb-1131	267	4	the	the	DET
ajbmeb-1131	267	5	banking	banking	NOUN
ajbmeb-1131	267	6	sector	sector	NOUN
ajbmeb-1131	267	7	s	s	PART
ajbmeb-1131	267	8	contribution	contribution	NOUN
ajbmeb-1131	267	9	to	to	ADP
ajbmeb-1131	267	10	the	the	DET
ajbmeb-1131	267	11	iraqi	iraqi	ADJ
ajbmeb-1131	267	12	economy	economy	NOUN
ajbmeb-1131	267	13	 	 	SPACE
ajbmeb-1131	267	14	:	:	PUNCT
ajbmeb-1131	267	15	subject	subject	ADJ
ajbmeb-1131	267	16	review	review	PROPN
ajbmeb-1131	267	17	.	.	PUNCT
ajbmeb-1131	268	1	ishtar	ishtar	PROPN
ajbmeb-1131	268	2	journal	journal	PROPN
ajbmeb-1131	268	3	of	of	ADP
ajbmeb-1131	268	4	economics	economic	NOUN
ajbmeb-1131	268	5	and	and	CCONJ
ajbmeb-1131	268	6	business	business	NOUN
ajbmeb-1131	268	7	studies	study	NOUN
ajbmeb-1131	268	8	.	.	PUNCT
ajbmeb-1131	269	1	29	29	NUM
ajbmeb-1131	269	2	.	.	X
ajbmeb-1131	269	3	schueffel	schueffel	NOUN
ajbmeb-1131	269	4	,	,	PUNCT
ajbmeb-1131	269	5	p.	p.	NOUN
ajbmeb-1131	269	6	mname	mname	PROPN
ajbmeb-1131	269	7	.	.	PUNCT
ajbmeb-1131	270	1	(	(	PUNCT
ajbmeb-1131	270	2	2018	2018	NUM
ajbmeb-1131	270	3	)	)	PUNCT
ajbmeb-1131	270	4	.	.	PUNCT
ajbmeb-1131	271	1	taming	tame	VERB
ajbmeb-1131	271	2	the	the	DET
ajbmeb-1131	271	3	beast	beast	NOUN
ajbmeb-1131	271	4	:	:	PUNCT
ajbmeb-1131	271	5	a	a	DET
ajbmeb-1131	271	6	scientific	scientific	ADJ
ajbmeb-1131	271	7	definition	definition	NOUN
ajbmeb-1131	271	8	of	of	ADP
ajbmeb-1131	271	9	fintech	fintech	NOUN
ajbmeb-1131	271	10	.	.	PUNCT
ajbmeb-1131	272	1	ssrn	ssrn	PROPN
ajbmeb-1131	272	2	electronic	electronic	ADJ
ajbmeb-1131	272	3	journal	journal	PROPN
ajbmeb-1131	272	4	,	,	PUNCT
ajbmeb-1131	272	5	april	april	PROPN
ajbmeb-1131	272	6	.	.	PUNCT
ajbmeb-1131	273	1	https://doi.org/10.2139/ssrn.3097312	https://doi.org/10.2139/ssrn.3097312	PROPN
ajbmeb-1131	274	1	30	30	NUM
ajbmeb-1131	274	2	.	.	PUNCT
ajbmeb-1131	275	1	senyo	senyo	PROPN
ajbmeb-1131	275	2	,	,	PUNCT
ajbmeb-1131	275	3	p.	p.	PROPN
ajbmeb-1131	275	4	k.	k.	PROPN
ajbmeb-1131	275	5	,	,	PUNCT
ajbmeb-1131	275	6	&	&	CCONJ
ajbmeb-1131	275	7	osabutey	osabutey	PROPN
ajbmeb-1131	275	8	,	,	PUNCT
ajbmeb-1131	275	9	e.	e.	PROPN
ajbmeb-1131	275	10	l.	l.	PROPN
ajbmeb-1131	275	11	c.	c.	PROPN
ajbmeb-1131	275	12	(	(	PUNCT
ajbmeb-1131	275	13	2020	2020	NUM
ajbmeb-1131	275	14	)	)	PUNCT
ajbmeb-1131	275	15	.	.	PUNCT
ajbmeb-1131	276	1	unearthing	unearth	VERB
ajbmeb-1131	276	2	antecedents	antecedent	NOUN
ajbmeb-1131	276	3	to	to	ADP
ajbmeb-1131	276	4	financial	financial	ADJ
ajbmeb-1131	276	5	inclusion	inclusion	NOUN
ajbmeb-1131	276	6	through	through	ADP
ajbmeb-1131	276	7	fintech	fintech	NOUN
ajbmeb-1131	276	8	innovations	innovation	NOUN
ajbmeb-1131	276	9	.	.	PUNCT
ajbmeb-1131	277	1	technovation	technovation	NOUN
ajbmeb-1131	277	2	,	,	PUNCT
ajbmeb-1131	277	3	98(march	98(march	NUM
ajbmeb-1131	277	4	)	)	PUNCT
ajbmeb-1131	277	5	,	,	PUNCT
ajbmeb-1131	277	6	102155	102155	NUM
ajbmeb-1131	277	7	.	.	PUNCT
ajbmeb-1131	278	1	https://doi.org/10.1016/j.technovation.2020.102155	https://doi.org/10.1016/j.technovation.2020.102155	PROPN
ajbmeb-1131	278	2	31	31	NUM
ajbmeb-1131	278	3	.	.	PUNCT
ajbmeb-1131	279	1	thakor	thakor	PROPN
ajbmeb-1131	279	2	,	,	PUNCT
ajbmeb-1131	279	3	a.	a.	PROPN
ajbmeb-1131	279	4	v.	v.	PROPN
ajbmeb-1131	279	5	(	(	PUNCT
ajbmeb-1131	279	6	2020	2020	NUM
ajbmeb-1131	279	7	)	)	PUNCT
ajbmeb-1131	279	8	.	.	PUNCT
ajbmeb-1131	280	1	fintech	fintech	NOUN
ajbmeb-1131	280	2	and	and	CCONJ
ajbmeb-1131	280	3	banking	banking	NOUN
ajbmeb-1131	280	4	:	:	PUNCT
ajbmeb-1131	280	5	what	what	PRON
ajbmeb-1131	280	6	do	do	AUX
ajbmeb-1131	280	7	we	we	PRON
ajbmeb-1131	280	8	know	know	VERB
ajbmeb-1131	280	9	?	?	PUNCT
ajbmeb-1131	281	1	journal	journal	NOUN
ajbmeb-1131	281	2	of	of	ADP
ajbmeb-1131	281	3	financial	financial	ADJ
ajbmeb-1131	281	4	intermediation	intermediation	NOUN
ajbmeb-1131	281	5	,	,	PUNCT
ajbmeb-1131	281	6	41(july	41(july	NUM
ajbmeb-1131	281	7	)	)	PUNCT
ajbmeb-1131	281	8	.	.	PUNCT
ajbmeb-1131	282	1	https://doi.org/10.1016/j.jfi.2019.100833	https://doi.org/10.1016/j.jfi.2019.100833	X
ajbmeb-1131	283	1	32	32	NUM
ajbmeb-1131	283	2	.	.	PUNCT
ajbmeb-1131	284	1	truong	truong	PROPN
ajbmeb-1131	284	2	,	,	PUNCT
ajbmeb-1131	284	3	o.	o.	PROPN
ajbmeb-1131	284	4	(	(	PUNCT
ajbmeb-1131	284	5	2016	2016	NUM
ajbmeb-1131	284	6	)	)	PUNCT
ajbmeb-1131	284	7	.	.	PUNCT
ajbmeb-1131	285	1	how	how	SCONJ
ajbmeb-1131	285	2	the	the	DET
ajbmeb-1131	285	3	fintech	fintech	NOUN
ajbmeb-1131	285	4	industry	industry	NOUN
ajbmeb-1131	285	5	is	be	AUX
ajbmeb-1131	285	6	changing	change	VERB
ajbmeb-1131	285	7	the	the	DET
ajbmeb-1131	285	8	world	world	NOUN
ajbmeb-1131	285	9	.	.	PUNCT
ajbmeb-1131	286	1	november	november	PROPN
ajbmeb-1131	286	2	.	.	PUNCT
ajbmeb-1131	287	1	http://www.theseus.fi/bitstream/handle/10024/123633/truong_oanh.pdf?sequence=1	http://www.theseus.fi/bitstream/handle/10024/123633/truong_oanh.pdf?sequence=1	X
ajbmeb-1131	288	1	33	33	NUM
ajbmeb-1131	288	2	.	.	PUNCT
ajbmeb-1131	288	3	walaza	walaza	PROPN
ajbmeb-1131	288	4	,	,	PUNCT
ajbmeb-1131	288	5	m.	m.	NOUN
ajbmeb-1131	288	6	,	,	PUNCT
ajbmeb-1131	288	7	loock	loock	NOUN
ajbmeb-1131	288	8	,	,	PUNCT
ajbmeb-1131	288	9	m.	m.	NOUN
ajbmeb-1131	288	10	,	,	PUNCT
ajbmeb-1131	288	11	&	&	CCONJ
ajbmeb-1131	288	12	kritzinger	kritzinger	PROPN
ajbmeb-1131	288	13	,	,	PUNCT
ajbmeb-1131	288	14	e.	e.	PROPN
ajbmeb-1131	288	15	(	(	PUNCT
ajbmeb-1131	288	16	2014	2014	NUM
ajbmeb-1131	288	17	)	)	PUNCT
ajbmeb-1131	288	18	.	.	PUNCT
ajbmeb-1131	289	1	a	a	DET
ajbmeb-1131	289	2	framework	framework	NOUN
ajbmeb-1131	289	3	to	to	PART
ajbmeb-1131	289	4	integrate	integrate	VERB
ajbmeb-1131	289	5	ict	ict	NOUN
ajbmeb-1131	289	6	security	security	NOUN
ajbmeb-1131	289	7	awareness	awareness	NOUN
ajbmeb-1131	289	8	into	into	ADP
ajbmeb-1131	289	9	the	the	DET
ajbmeb-1131	289	10	south	south	ADJ
ajbmeb-1131	289	11	african	african	ADJ
ajbmeb-1131	289	12	schooling	schooling	NOUN
ajbmeb-1131	289	13	system	system	NOUN
ajbmeb-1131	289	14	.	.	PUNCT
ajbmeb-1131	290	1	acm	acm	PROPN
ajbmeb-1131	290	2	international	international	PROPN
ajbmeb-1131	290	3	conference	conference	PROPN
ajbmeb-1131	290	4	proceeding	proceeding	NOUN
ajbmeb-1131	290	5	series	series	NOUN
ajbmeb-1131	290	6	,	,	PUNCT
ajbmeb-1131	290	7	28septemb	28septemb	NUM
ajbmeb-1131	290	8	.	.	PUNCT
ajbmeb-1131	290	9	https://doi.org/10.1145/2664591.2664596	https://doi.org/10.1145/2664591.2664596	PROPN
ajbmeb-1131	290	10	34	34	NUM
ajbmeb-1131	290	11	.	.	PUNCT
ajbmeb-1131	290	12	wulan	wulan	NOUN
ajbmeb-1131	290	13	,	,	PUNCT
ajbmeb-1131	290	14	v.	v.	PROPN
ajbmeb-1131	290	15	r.	r.	PROPN
ajbmeb-1131	290	16	(	(	PUNCT
ajbmeb-1131	290	17	2017	2017	NUM
ajbmeb-1131	290	18	)	)	PUNCT
ajbmeb-1131	290	19	.	.	PUNCT
ajbmeb-1131	291	1	financial	financial	ADJ
ajbmeb-1131	291	2	technology	technology	NOUN
ajbmeb-1131	291	3	(	(	PUNCT
ajbmeb-1131	291	4	fintech	fintech	NOUN
ajbmeb-1131	291	5	)	)	PUNCT
ajbmeb-1131	291	6	is	be	AUX
ajbmeb-1131	291	7	a	a	DET
ajbmeb-1131	291	8	new	new	ADJ
ajbmeb-1131	291	9	transaction	transaction	NOUN
ajbmeb-1131	291	10	in	in	ADP
ajbmeb-1131	291	11	the	the	DET
ajbmeb-1131	291	12	future	future	NOUN
ajbmeb-1131	291	13	.	.	PUNCT
ajbmeb-1131	292	1	journal	journal	ADJ
ajbmeb-1131	292	2	electrical	electrical	ADJ
ajbmeb-1131	292	3	engineering	engineering	NOUN
ajbmeb-1131	292	4	and	and	CCONJ
ajbmeb-1131	292	5	computer	computer	NOUN
ajbmeb-1131	292	6	sciences	science	NOUN
ajbmeb-1131	292	7	,	,	PUNCT
ajbmeb-1131	292	8	2(1	2(1	NUM
ajbmeb-1131	292	9	)	)	PUNCT
ajbmeb-1131	292	10	.	.	PUNCT