id	sid	tid	token	lemma	pos
ajbmeb-1251	1	1	american	american	PROPN
ajbmeb-1251	1	2	journal	journal	PROPN
ajbmeb-1251	1	3	of	of	ADP
ajbmeb-1251	1	4	business	business	NOUN
ajbmeb-1251	1	5	management	management	NOUN
ajbmeb-1251	1	6	,	,	PUNCT
ajbmeb-1251	1	7	economics	economic	NOUN
ajbmeb-1251	1	8	and	and	CCONJ
ajbmeb-1251	1	9	banking	banking	NOUN
ajbmeb-1251	1	10	issn	issn	PROPN
ajbmeb-1251	1	11	(	(	PUNCT
ajbmeb-1251	1	12	e	e	NOUN
ajbmeb-1251	1	13	):	):	PUNCT
ajbmeb-1251	1	14	2832	2832	NUM
ajbmeb-1251	1	15	-	-	SYM
ajbmeb-1251	1	16	8078	8078	NUM
ajbmeb-1251	1	17	volume	volume	NOUN
ajbmeb-1251	1	18	16	16	NUM
ajbmeb-1251	1	19	,	,	PUNCT
ajbmeb-1251	1	20	|	|	ADV
ajbmeb-1251	1	21	sep	sep	PROPN
ajbmeb-1251	1	22	.	.	PROPN
ajbmeb-1251	1	23	,	,	PUNCT
ajbmeb-1251	1	24	2023	2023	NUM
ajbmeb-1251	1	25	p	p	NOUN
ajbmeb-1251	1	26	a	a	DET
ajbmeb-1251	1	27	g	g	NOUN
ajbmeb-1251	1	28	e	e	NOUN
ajbmeb-1251	1	29	|	|	ADV
ajbmeb-1251	1	30	231	231	NUM
ajbmeb-1251	1	31	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1251	1	32	the	the	DET
ajbmeb-1251	1	33	role	role	NOUN
ajbmeb-1251	1	34	of	of	ADP
ajbmeb-1251	1	35	modern	modern	ADJ
ajbmeb-1251	1	36	technologies	technology	NOUN
ajbmeb-1251	1	37	in	in	ADP
ajbmeb-1251	1	38	enhancing	enhance	VERB
ajbmeb-1251	1	39	banks	bank	NOUN
ajbmeb-1251	1	40	profitability	profitability	NOUN
ajbmeb-1251	1	41	ahmed	ahmed	PROPN
ajbmeb-1251	1	42	jasim	jasim	PROPN
ajbmeb-1251	1	43	mohammed	mohammed	PROPN
ajbmeb-1251	1	44	university	university	PROPN
ajbmeb-1251	1	45	of	of	ADP
ajbmeb-1251	1	46	misan	misan	ADJ
ajbmeb-1251	1	47	e	e	NOUN
ajbmeb-1251	1	48	-	-	NOUN
ajbmeb-1251	1	49	mail	mail	NOUN
ajbmeb-1251	1	50	:	:	PUNCT
ajbmeb-1251	1	51	ahmedajm1985@gmail.com	ahmedajm1985@gmail.com	X
ajbmeb-1251	2	1	ahmed	ahmed	PROPN
ajbmeb-1251	2	2	abbas	abbas	PROPN
ajbmeb-1251	2	3	hussein	hussein	PROPN
ajbmeb-1251	2	4	university	university	PROPN
ajbmeb-1251	2	5	of	of	ADP
ajbmeb-1251	2	6	misan	misan	ADJ
ajbmeb-1251	2	7	e	e	NOUN
ajbmeb-1251	2	8	-	-	NOUN
ajbmeb-1251	2	9	mail	mail	NOUN
ajbmeb-1251	2	10	:	:	PUNCT
ajbmeb-1251	2	11	ahmedabb70@gmail.com	ahmedabb70@gmail.com	X
ajbmeb-1251	2	12	mohsin	mohsin	PROPN
ajbmeb-1251	2	13	n.	n.	PROPN
ajbmeb-1251	2	14	al	al	PROPN
ajbmeb-1251	2	15	-	-	PUNCT
ajbmeb-1251	2	16	maliki	maliki	PROPN
ajbmeb-1251	2	17	university	university	PROPN
ajbmeb-1251	2	18	of	of	ADP
ajbmeb-1251	2	19	misan	misan	PROPN
ajbmeb-1251	2	20	muhsen@uomisan.edu.iq	muhsen@uomisan.edu.iq	PROPN
ajbmeb-1251	2	21	a	a	DET
ajbmeb-1251	2	22	b	b	PROPN
ajbmeb-1251	2	23	s	s	ADP
ajbmeb-1251	2	24	t	t	PROPN
ajbmeb-1251	2	25	r	r	NOUN
ajbmeb-1251	2	26	a	a	PRON
ajbmeb-1251	2	27	c	c	NOUN
ajbmeb-1251	2	28	k	k	PROPN
ajbmeb-1251	2	29	e	e	PROPN
ajbmeb-1251	2	30	y	y	PROPN
ajbmeb-1251	2	31	w	w	NOUN
ajbmeb-1251	2	32	o	o	NOUN
ajbmeb-1251	2	33	r	r	NOUN
ajbmeb-1251	2	34	d	d	PROPN
ajbmeb-1251	2	35	s	s	PART
ajbmeb-1251	2	36	purpose	purpose	NOUN
ajbmeb-1251	2	37	:	:	PUNCT
ajbmeb-1251	2	38	this	this	DET
ajbmeb-1251	2	39	study	study	NOUN
ajbmeb-1251	2	40	aims	aim	VERB
ajbmeb-1251	2	41	to	to	PART
ajbmeb-1251	2	42	explore	explore	VERB
ajbmeb-1251	2	43	the	the	DET
ajbmeb-1251	2	44	extent	extent	NOUN
ajbmeb-1251	2	45	to	to	PART
ajbmeb-1251	2	46	which	which	PRON
ajbmeb-1251	2	47	modern	modern	ADJ
ajbmeb-1251	2	48	technologies	technology	NOUN
ajbmeb-1251	2	49	contribute	contribute	VERB
ajbmeb-1251	2	50	,	,	PUNCT
ajbmeb-1251	2	51	both	both	CCONJ
ajbmeb-1251	2	52	as	as	ADV
ajbmeb-1251	2	53	independent	independent	ADJ
ajbmeb-1251	2	54	and	and	CCONJ
ajbmeb-1251	2	55	dependent	dependent	ADJ
ajbmeb-1251	2	56	variables	variable	NOUN
ajbmeb-1251	2	57	,	,	PUNCT
ajbmeb-1251	2	58	towards	towards	ADP
ajbmeb-1251	2	59	enhancing	enhance	VERB
ajbmeb-1251	2	60	the	the	DET
ajbmeb-1251	2	61	profitability	profitability	NOUN
ajbmeb-1251	2	62	of	of	ADP
ajbmeb-1251	2	63	banks	bank	NOUN
ajbmeb-1251	2	64	.	.	PUNCT
ajbmeb-1251	3	1	design	design	NOUN
ajbmeb-1251	3	2	/	/	SYM
ajbmeb-1251	3	3	methodology	methodology	NOUN
ajbmeb-1251	3	4	/	/	SYM
ajbmeb-1251	3	5	approach	approach	NOUN
ajbmeb-1251	3	6	:	:	PUNCT
ajbmeb-1251	3	7	in	in	ADP
ajbmeb-1251	3	8	order	order	NOUN
ajbmeb-1251	3	9	to	to	PART
ajbmeb-1251	3	10	address	address	VERB
ajbmeb-1251	3	11	the	the	DET
ajbmeb-1251	3	12	research	research	NOUN
ajbmeb-1251	3	13	problem	problem	NOUN
ajbmeb-1251	3	14	,	,	PUNCT
ajbmeb-1251	3	15	find	find	VERB
ajbmeb-1251	3	16	solutions	solution	NOUN
ajbmeb-1251	3	17	,	,	PUNCT
ajbmeb-1251	3	18	achieve	achieve	VERB
ajbmeb-1251	3	19	its	its	PRON
ajbmeb-1251	3	20	objectives	objective	NOUN
ajbmeb-1251	3	21	,	,	PUNCT
ajbmeb-1251	3	22	and	and	CCONJ
ajbmeb-1251	3	23	test	test	VERB
ajbmeb-1251	3	24	its	its	PRON
ajbmeb-1251	3	25	hypotheses	hypothesis	NOUN
ajbmeb-1251	3	26	,	,	PUNCT
ajbmeb-1251	3	27	several	several	ADJ
ajbmeb-1251	3	28	branches	branch	NOUN
ajbmeb-1251	3	29	of	of	ADP
ajbmeb-1251	3	30	rafidain	rafidain	NOUN
ajbmeb-1251	3	31	and	and	CCONJ
ajbmeb-1251	3	32	rashid	rashid	PROPN
ajbmeb-1251	3	33	banks	bank	NOUN
ajbmeb-1251	3	34	operating	operate	VERB
ajbmeb-1251	3	35	in	in	ADP
ajbmeb-1251	3	36	misan	misan	ADJ
ajbmeb-1251	3	37	province	province	NOUN
ajbmeb-1251	3	38	were	be	AUX
ajbmeb-1251	3	39	selected	select	VERB
ajbmeb-1251	3	40	.	.	PUNCT
ajbmeb-1251	4	1	a	a	DET
ajbmeb-1251	4	2	purposeful	purposeful	ADJ
ajbmeb-1251	4	3	sample	sample	NOUN
ajbmeb-1251	4	4	of	of	ADP
ajbmeb-1251	4	5	25	25	NUM
ajbmeb-1251	4	6	employees	employee	NOUN
ajbmeb-1251	4	7	from	from	ADP
ajbmeb-1251	4	8	these	these	DET
ajbmeb-1251	4	9	banks	bank	NOUN
ajbmeb-1251	4	10	at	at	ADP
ajbmeb-1251	4	11	various	various	ADJ
ajbmeb-1251	4	12	managerial	managerial	ADJ
ajbmeb-1251	4	13	levels	level	NOUN
ajbmeb-1251	4	14	was	be	AUX
ajbmeb-1251	4	15	chosen	choose	VERB
ajbmeb-1251	4	16	.	.	PUNCT
ajbmeb-1251	5	1	data	datum	NOUN
ajbmeb-1251	5	2	collection	collection	NOUN
ajbmeb-1251	5	3	was	be	AUX
ajbmeb-1251	5	4	conducted	conduct	VERB
ajbmeb-1251	5	5	using	use	VERB
ajbmeb-1251	5	6	a	a	DET
ajbmeb-1251	5	7	questionnaire	questionnaire	NOUN
ajbmeb-1251	5	8	,	,	PUNCT
ajbmeb-1251	5	9	and	and	CCONJ
ajbmeb-1251	5	10	the	the	DET
ajbmeb-1251	5	11	collected	collect	VERB
ajbmeb-1251	5	12	data	datum	NOUN
ajbmeb-1251	5	13	were	be	AUX
ajbmeb-1251	5	14	processed	process	VERB
ajbmeb-1251	5	15	and	and	CCONJ
ajbmeb-1251	5	16	the	the	DET
ajbmeb-1251	5	17	study	study	NOUN
ajbmeb-1251	5	18	’s	’s	PART
ajbmeb-1251	5	19	hypotheses	hypothesis	NOUN
ajbmeb-1251	5	20	were	be	AUX
ajbmeb-1251	5	21	tested	test	VERB
ajbmeb-1251	5	22	using	use	VERB
ajbmeb-1251	5	23	various	various	ADJ
ajbmeb-1251	5	24	statistical	statistical	ADJ
ajbmeb-1251	5	25	methods	method	NOUN
ajbmeb-1251	5	26	,	,	PUNCT
ajbmeb-1251	5	27	including	include	VERB
ajbmeb-1251	5	28	spss	spss	PROPN
ajbmeb-1251	5	29	and	and	CCONJ
ajbmeb-1251	5	30	excel	excel	NOUN
ajbmeb-1251	5	31	.	.	PUNCT
ajbmeb-1251	6	1	results	result	NOUN
ajbmeb-1251	6	2	and	and	CCONJ
ajbmeb-1251	6	3	recommendations	recommendation	NOUN
ajbmeb-1251	6	4	:	:	PUNCT
ajbmeb-1251	6	5	the	the	DET
ajbmeb-1251	6	6	research	research	NOUN
ajbmeb-1251	6	7	results	result	NOUN
ajbmeb-1251	6	8	indicate	indicate	VERB
ajbmeb-1251	6	9	a	a	DET
ajbmeb-1251	6	10	significant	significant	ADJ
ajbmeb-1251	6	11	impact	impact	NOUN
ajbmeb-1251	6	12	relationship	relationship	NOUN
ajbmeb-1251	6	13	between	between	ADP
ajbmeb-1251	6	14	modern	modern	ADJ
ajbmeb-1251	6	15	technologies	technology	NOUN
ajbmeb-1251	6	16	as	as	ADP
ajbmeb-1251	6	17	an	an	DET
ajbmeb-1251	6	18	independent	independent	ADJ
ajbmeb-1251	6	19	variable	variable	NOUN
ajbmeb-1251	6	20	and	and	CCONJ
ajbmeb-1251	6	21	bank	bank	NOUN
ajbmeb-1251	6	22	profitability	profitability	NOUN
ajbmeb-1251	6	23	as	as	ADP
ajbmeb-1251	6	24	a	a	DET
ajbmeb-1251	6	25	dependent	dependent	ADJ
ajbmeb-1251	6	26	variable	variable	NOUN
ajbmeb-1251	6	27	at	at	ADP
ajbmeb-1251	6	28	a	a	DET
ajbmeb-1251	6	29	significance	significance	NOUN
ajbmeb-1251	6	30	level	level	NOUN
ajbmeb-1251	6	31	of	of	ADP
ajbmeb-1251	6	32	0.05	0.05	NUM
ajbmeb-1251	6	33	.	.	PUNCT
ajbmeb-1251	7	1	the	the	DET
ajbmeb-1251	7	2	research	research	NOUN
ajbmeb-1251	7	3	recommends	recommend	VERB
ajbmeb-1251	7	4	giving	give	VERB
ajbmeb-1251	7	5	greater	great	ADJ
ajbmeb-1251	7	6	attention	attention	NOUN
ajbmeb-1251	7	7	to	to	ADP
ajbmeb-1251	7	8	and	and	CCONJ
ajbmeb-1251	7	9	incorporating	incorporate	VERB
ajbmeb-1251	7	10	modern	modern	ADJ
ajbmeb-1251	7	11	technologies	technology	NOUN
ajbmeb-1251	7	12	into	into	ADP
ajbmeb-1251	7	13	banking	banking	NOUN
ajbmeb-1251	7	14	operations	operation	NOUN
ajbmeb-1251	7	15	as	as	SCONJ
ajbmeb-1251	7	16	they	they	PRON
ajbmeb-1251	7	17	are	be	AUX
ajbmeb-1251	7	18	considered	consider	VERB
ajbmeb-1251	7	19	an	an	DET
ajbmeb-1251	7	20	important	important	ADJ
ajbmeb-1251	7	21	means	mean	NOUN
ajbmeb-1251	7	22	of	of	ADP
ajbmeb-1251	7	23	increasing	increase	VERB
ajbmeb-1251	7	24	bank	bank	NOUN
ajbmeb-1251	7	25	profitability	profitability	NOUN
ajbmeb-1251	7	26	,	,	PUNCT
ajbmeb-1251	7	27	enhancing	enhance	VERB
ajbmeb-1251	7	28	competitiveness	competitiveness	NOUN
ajbmeb-1251	7	29	,	,	PUNCT
ajbmeb-1251	7	30	and	and	CCONJ
ajbmeb-1251	7	31	securing	secure	VERB
ajbmeb-1251	7	32	a	a	DET
ajbmeb-1251	7	33	larger	large	ADJ
ajbmeb-1251	7	34	market	market	NOUN
ajbmeb-1251	7	35	share	share	NOUN
ajbmeb-1251	7	36	.	.	PUNCT
ajbmeb-1251	8	1	modern	modern	ADJ
ajbmeb-1251	8	2	technologies	technology	NOUN
ajbmeb-1251	8	3	;	;	PUNCT
ajbmeb-1251	8	4	banks	bank	NOUN
ajbmeb-1251	8	5	profitability	profitability	NOUN
ajbmeb-1251	8	6	;	;	PUNCT
ajbmeb-1251	8	7	iraqi	iraqi	ADJ
ajbmeb-1251	8	8	banks	bank	NOUN
ajbmeb-1251	8	9	.	.	PUNCT
ajbmeb-1251	9	1	introduction	introduction	NOUN
ajbmeb-1251	9	2	the	the	DET
ajbmeb-1251	9	3	rapid	rapid	ADJ
ajbmeb-1251	9	4	technological	technological	ADJ
ajbmeb-1251	9	5	advancement	advancement	NOUN
ajbmeb-1251	9	6	stands	stand	VERB
ajbmeb-1251	9	7	as	as	ADP
ajbmeb-1251	9	8	a	a	DET
ajbmeb-1251	9	9	pivotal	pivotal	ADJ
ajbmeb-1251	9	10	factor	factor	NOUN
ajbmeb-1251	9	11	for	for	ADP
ajbmeb-1251	9	12	the	the	DET
ajbmeb-1251	9	13	banking	banking	NOUN
ajbmeb-1251	9	14	sector	sector	NOUN
ajbmeb-1251	9	15	,	,	PUNCT
ajbmeb-1251	9	16	which	which	PRON
ajbmeb-1251	9	17	plays	play	VERB
ajbmeb-1251	9	18	a	a	DET
ajbmeb-1251	9	19	significant	significant	ADJ
ajbmeb-1251	9	20	role	role	NOUN
ajbmeb-1251	9	21	in	in	ADP
ajbmeb-1251	9	22	economic	economic	ADJ
ajbmeb-1251	9	23	activities	activity	NOUN
ajbmeb-1251	9	24	.	.	PUNCT
ajbmeb-1251	10	1	with	with	ADP
ajbmeb-1251	10	2	the	the	DET
ajbmeb-1251	10	3	emergence	emergence	NOUN
ajbmeb-1251	10	4	of	of	ADP
ajbmeb-1251	10	5	banking	banking	NOUN
ajbmeb-1251	10	6	competition	competition	NOUN
ajbmeb-1251	10	7	,	,	PUNCT
ajbmeb-1251	10	8	new	new	ADJ
ajbmeb-1251	10	9	patterns	pattern	NOUN
ajbmeb-1251	10	10	,	,	PUNCT
ajbmeb-1251	10	11	tools	tool	NOUN
ajbmeb-1251	10	12	,	,	PUNCT
ajbmeb-1251	10	13	and	and	CCONJ
ajbmeb-1251	10	14	banking	banking	NOUN
ajbmeb-1251	10	15	technologies	technology	NOUN
ajbmeb-1251	10	16	have	have	AUX
ajbmeb-1251	10	17	surfaced	surface	VERB
ajbmeb-1251	10	18	,	,	PUNCT
ajbmeb-1251	10	19	leading	lead	VERB
ajbmeb-1251	10	20	to	to	ADP
ajbmeb-1251	10	21	a	a	DET
ajbmeb-1251	10	22	decline	decline	NOUN
ajbmeb-1251	10	23	in	in	ADP
ajbmeb-1251	10	24	traditional	traditional	ADJ
ajbmeb-1251	10	25	approaches	approach	NOUN
ajbmeb-1251	10	26	.	.	PUNCT
ajbmeb-1251	11	1	banks	bank	NOUN
ajbmeb-1251	11	2	,	,	PUNCT
ajbmeb-1251	11	3	being	be	AUX
ajbmeb-1251	11	4	among	among	ADP
ajbmeb-1251	11	5	the	the	DET
ajbmeb-1251	11	6	most	most	ADV
ajbmeb-1251	11	7	tech	tech	NOUN
ajbmeb-1251	11	8	-	-	PUNCT
ajbmeb-1251	11	9	savvy	savvy	ADJ
ajbmeb-1251	11	10	institutions	institution	NOUN
ajbmeb-1251	11	11	,	,	PUNCT
ajbmeb-1251	11	12	have	have	AUX
ajbmeb-1251	11	13	harnessed	harness	VERB
ajbmeb-1251	11	14	information	information	NOUN
ajbmeb-1251	11	15	and	and	CCONJ
ajbmeb-1251	11	16	communication	communication	NOUN
ajbmeb-1251	11	17	technology	technology	NOUN
ajbmeb-1251	11	18	to	to	ADP
ajbmeb-1251	11	19	american	american	ADJ
ajbmeb-1251	11	20	journal	journal	PROPN
ajbmeb-1251	11	21	of	of	ADP
ajbmeb-1251	11	22	business	business	NOUN
ajbmeb-1251	11	23	management	management	NOUN
ajbmeb-1251	11	24	,	,	PUNCT
ajbmeb-1251	11	25	economics	economic	NOUN
ajbmeb-1251	11	26	and	and	CCONJ
ajbmeb-1251	11	27	banking	banking	NOUN
ajbmeb-1251	11	28	volume	volume	NOUN
ajbmeb-1251	11	29	16	16	NUM
ajbmeb-1251	11	30	sep	sep	PROPN
ajbmeb-1251	11	31	,	,	PUNCT
ajbmeb-1251	11	32	2023	2023	NUM
ajbmeb-1251	11	33	p	p	NOUN
ajbmeb-1251	11	34	a	a	DET
ajbmeb-1251	11	35	g	g	NOUN
ajbmeb-1251	11	36	e	e	NOUN
ajbmeb-1251	12	1	|	|	ADV
ajbmeb-1251	12	2	232	232	NUM
ajbmeb-1251	12	3	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1251	12	4	enhance	enhance	VERB
ajbmeb-1251	12	5	their	their	PRON
ajbmeb-1251	12	6	operations	operation	NOUN
ajbmeb-1251	12	7	and	and	CCONJ
ajbmeb-1251	12	8	services	service	NOUN
ajbmeb-1251	12	9	,	,	PUNCT
ajbmeb-1251	12	10	ultimately	ultimately	ADV
ajbmeb-1251	12	11	increasing	increase	VERB
ajbmeb-1251	12	12	the	the	DET
ajbmeb-1251	12	13	efficiency	efficiency	NOUN
ajbmeb-1251	12	14	and	and	CCONJ
ajbmeb-1251	12	15	effectiveness	effectiveness	NOUN
ajbmeb-1251	12	16	of	of	ADP
ajbmeb-1251	12	17	banking	banking	NOUN
ajbmeb-1251	12	18	activities	activity	NOUN
ajbmeb-1251	12	19	.	.	PUNCT
ajbmeb-1251	13	1	this	this	PRON
ajbmeb-1251	13	2	,	,	PUNCT
ajbmeb-1251	13	3	in	in	ADP
ajbmeb-1251	13	4	turn	turn	NOUN
ajbmeb-1251	13	5	,	,	PUNCT
ajbmeb-1251	13	6	has	have	AUX
ajbmeb-1251	13	7	positively	positively	ADV
ajbmeb-1251	13	8	impacted	impact	VERB
ajbmeb-1251	13	9	the	the	DET
ajbmeb-1251	13	10	overall	overall	ADJ
ajbmeb-1251	13	11	performance	performance	NOUN
ajbmeb-1251	13	12	of	of	ADP
ajbmeb-1251	13	13	banks	bank	NOUN
ajbmeb-1251	13	14	.	.	PUNCT
ajbmeb-1251	14	1	to	to	PART
ajbmeb-1251	14	2	distinguish	distinguish	VERB
ajbmeb-1251	14	3	themselves	themselves	PRON
ajbmeb-1251	14	4	from	from	ADP
ajbmeb-1251	14	5	competitors	competitor	NOUN
ajbmeb-1251	14	6	and	and	CCONJ
ajbmeb-1251	14	7	achieve	achieve	VERB
ajbmeb-1251	14	8	high	high	ADJ
ajbmeb-1251	14	9	levels	level	NOUN
ajbmeb-1251	14	10	of	of	ADP
ajbmeb-1251	14	11	profitability	profitability	NOUN
ajbmeb-1251	14	12	,	,	PUNCT
ajbmeb-1251	14	13	banks	bank	NOUN
ajbmeb-1251	14	14	have	have	AUX
ajbmeb-1251	14	15	resorted	resort	VERB
ajbmeb-1251	14	16	to	to	ADP
ajbmeb-1251	14	17	employing	employ	VERB
ajbmeb-1251	14	18	modern	modern	ADJ
ajbmeb-1251	14	19	services	service	NOUN
ajbmeb-1251	14	20	and	and	CCONJ
ajbmeb-1251	14	21	technologies	technology	NOUN
ajbmeb-1251	14	22	.	.	PUNCT
ajbmeb-1251	15	1	in	in	ADP
ajbmeb-1251	15	2	this	this	DET
ajbmeb-1251	15	3	context	context	NOUN
ajbmeb-1251	15	4	,	,	PUNCT
ajbmeb-1251	15	5	the	the	DET
ajbmeb-1251	15	6	utilization	utilization	NOUN
ajbmeb-1251	15	7	of	of	ADP
ajbmeb-1251	15	8	these	these	DET
ajbmeb-1251	15	9	modern	modern	ADJ
ajbmeb-1251	15	10	tools	tool	NOUN
ajbmeb-1251	15	11	and	and	CCONJ
ajbmeb-1251	15	12	technologies	technology	NOUN
ajbmeb-1251	15	13	has	have	AUX
ajbmeb-1251	15	14	become	become	VERB
ajbmeb-1251	15	15	of	of	ADP
ajbmeb-1251	15	16	utmost	utmost	ADJ
ajbmeb-1251	15	17	importance	importance	NOUN
ajbmeb-1251	15	18	for	for	ADP
ajbmeb-1251	15	19	decision	decision	NOUN
ajbmeb-1251	15	20	-	-	PUNCT
ajbmeb-1251	15	21	makers	maker	NOUN
ajbmeb-1251	15	22	in	in	ADP
ajbmeb-1251	15	23	iraqi	iraqi	ADJ
ajbmeb-1251	15	24	banks	bank	NOUN
ajbmeb-1251	15	25	.	.	PUNCT
ajbmeb-1251	16	1	with	with	ADP
ajbmeb-1251	16	2	the	the	DET
ajbmeb-1251	16	3	advent	advent	NOUN
ajbmeb-1251	16	4	of	of	ADP
ajbmeb-1251	16	5	electronic	electronic	ADJ
ajbmeb-1251	16	6	banking	banking	NOUN
ajbmeb-1251	16	7	and	and	CCONJ
ajbmeb-1251	16	8	the	the	DET
ajbmeb-1251	16	9	transition	transition	NOUN
ajbmeb-1251	16	10	to	to	ADP
ajbmeb-1251	16	11	knowledge	knowledge	NOUN
ajbmeb-1251	16	12	and	and	CCONJ
ajbmeb-1251	16	13	information	information	NOUN
ajbmeb-1251	16	14	societies	society	NOUN
ajbmeb-1251	16	15	,	,	PUNCT
ajbmeb-1251	16	16	coupled	couple	VERB
ajbmeb-1251	16	17	with	with	ADP
ajbmeb-1251	16	18	extensive	extensive	ADJ
ajbmeb-1251	16	19	use	use	NOUN
ajbmeb-1251	16	20	of	of	ADP
ajbmeb-1251	16	21	information	information	NOUN
ajbmeb-1251	16	22	and	and	CCONJ
ajbmeb-1251	16	23	communication	communication	NOUN
ajbmeb-1251	16	24	technology	technology	NOUN
ajbmeb-1251	16	25	,	,	PUNCT
ajbmeb-1251	16	26	the	the	DET
ajbmeb-1251	16	27	banking	banking	NOUN
ajbmeb-1251	16	28	industry	industry	NOUN
ajbmeb-1251	16	29	has	have	AUX
ajbmeb-1251	16	30	witnessed	witness	VERB
ajbmeb-1251	16	31	the	the	DET
ajbmeb-1251	16	32	emergence	emergence	NOUN
ajbmeb-1251	16	33	of	of	ADP
ajbmeb-1251	16	34	new	new	ADJ
ajbmeb-1251	16	35	technologies	technology	NOUN
ajbmeb-1251	16	36	characterized	characterize	VERB
ajbmeb-1251	16	37	by	by	ADP
ajbmeb-1251	16	38	their	their	PRON
ajbmeb-1251	16	39	speed	speed	NOUN
ajbmeb-1251	16	40	in	in	ADP
ajbmeb-1251	16	41	task	task	NOUN
ajbmeb-1251	16	42	completion	completion	NOUN
ajbmeb-1251	16	43	.	.	PUNCT
ajbmeb-1251	17	1	notably	notably	ADV
ajbmeb-1251	17	2	,	,	PUNCT
ajbmeb-1251	17	3	the	the	DET
ajbmeb-1251	17	4	utilization	utilization	NOUN
ajbmeb-1251	17	5	of	of	ADP
ajbmeb-1251	17	6	modern	modern	ADJ
ajbmeb-1251	17	7	technologies	technology	NOUN
ajbmeb-1251	17	8	,	,	PUNCT
ajbmeb-1251	17	9	including	include	VERB
ajbmeb-1251	17	10	electronic	electronic	ADJ
ajbmeb-1251	17	11	banking	banking	NOUN
ajbmeb-1251	17	12	and	and	CCONJ
ajbmeb-1251	17	13	payment	payment	NOUN
ajbmeb-1251	17	14	methods	method	NOUN
ajbmeb-1251	17	15	(	(	PUNCT
ajbmeb-1251	17	16	awad	awad	PROPN
ajbmeb-1251	17	17	&	&	CCONJ
ajbmeb-1251	17	18	mohammed	mohammed	PROPN
ajbmeb-1251	17	19	,	,	PUNCT
ajbmeb-1251	17	20	2017	2017	NUM
ajbmeb-1251	17	21	)	)	PUNCT
ajbmeb-1251	17	22	,	,	PUNCT
ajbmeb-1251	17	23	has	have	AUX
ajbmeb-1251	17	24	directly	directly	ADV
ajbmeb-1251	17	25	influenced	influence	VERB
ajbmeb-1251	17	26	the	the	DET
ajbmeb-1251	17	27	profitability	profitability	NOUN
ajbmeb-1251	17	28	,	,	PUNCT
ajbmeb-1251	17	29	liquidity	liquidity	NOUN
ajbmeb-1251	17	30	,	,	PUNCT
ajbmeb-1251	17	31	and	and	CCONJ
ajbmeb-1251	17	32	competitive	competitive	ADJ
ajbmeb-1251	17	33	capabilities	capability	NOUN
ajbmeb-1251	17	34	of	of	ADP
ajbmeb-1251	17	35	banks	bank	NOUN
ajbmeb-1251	17	36	.	.	PUNCT
ajbmeb-1251	18	1	this	this	DET
ajbmeb-1251	18	2	transformation	transformation	NOUN
ajbmeb-1251	18	3	has	have	AUX
ajbmeb-1251	18	4	shifted	shift	VERB
ajbmeb-1251	18	5	the	the	DET
ajbmeb-1251	18	6	focus	focus	NOUN
ajbmeb-1251	18	7	from	from	ADP
ajbmeb-1251	18	8	waiting	wait	VERB
ajbmeb-1251	18	9	in	in	ADP
ajbmeb-1251	18	10	long	long	ADJ
ajbmeb-1251	18	11	queues	queue	NOUN
ajbmeb-1251	18	12	at	at	ADP
ajbmeb-1251	18	13	bank	bank	NOUN
ajbmeb-1251	18	14	branches	branch	NOUN
ajbmeb-1251	18	15	to	to	ADP
ajbmeb-1251	18	16	utilizing	utilize	VERB
ajbmeb-1251	18	17	modern	modern	ADJ
ajbmeb-1251	18	18	tools	tool	NOUN
ajbmeb-1251	18	19	such	such	ADJ
ajbmeb-1251	18	20	as	as	ADP
ajbmeb-1251	18	21	atms	atms	NOUN
ajbmeb-1251	18	22	,	,	PUNCT
ajbmeb-1251	18	23	point	point	NOUN
ajbmeb-1251	18	24	-	-	PUNCT
ajbmeb-1251	18	25	of	of	ADP
ajbmeb-1251	18	26	-	-	PUNCT
ajbmeb-1251	18	27	sale	sale	NOUN
ajbmeb-1251	18	28	terminals	terminal	NOUN
ajbmeb-1251	18	29	,	,	PUNCT
ajbmeb-1251	18	30	online	online	ADJ
ajbmeb-1251	18	31	platforms	platform	NOUN
ajbmeb-1251	18	32	,	,	PUNCT
ajbmeb-1251	18	33	and	and	CCONJ
ajbmeb-1251	18	34	mobile	mobile	ADJ
ajbmeb-1251	18	35	phones	phone	NOUN
ajbmeb-1251	18	36	.	.	PUNCT
ajbmeb-1251	19	1	consequently	consequently	ADV
ajbmeb-1251	19	2	,	,	PUNCT
ajbmeb-1251	19	3	this	this	PRON
ajbmeb-1251	19	4	has	have	AUX
ajbmeb-1251	19	5	resulted	result	VERB
ajbmeb-1251	19	6	in	in	ADP
ajbmeb-1251	19	7	an	an	DET
ajbmeb-1251	19	8	increase	increase	NOUN
ajbmeb-1251	19	9	in	in	ADP
ajbmeb-1251	19	10	the	the	DET
ajbmeb-1251	19	11	number	number	NOUN
ajbmeb-1251	19	12	of	of	ADP
ajbmeb-1251	19	13	users	user	NOUN
ajbmeb-1251	19	14	of	of	ADP
ajbmeb-1251	19	15	these	these	DET
ajbmeb-1251	19	16	services	service	NOUN
ajbmeb-1251	19	17	and	and	CCONJ
ajbmeb-1251	19	18	modern	modern	ADJ
ajbmeb-1251	19	19	technologies	technology	NOUN
ajbmeb-1251	19	20	,	,	PUNCT
ajbmeb-1251	19	21	reshaping	reshape	VERB
ajbmeb-1251	19	22	the	the	DET
ajbmeb-1251	19	23	landscape	landscape	NOUN
ajbmeb-1251	19	24	of	of	ADP
ajbmeb-1251	19	25	communication	communication	NOUN
ajbmeb-1251	19	26	and	and	CCONJ
ajbmeb-1251	19	27	technology	technology	NOUN
ajbmeb-1251	19	28	in	in	ADP
ajbmeb-1251	19	29	the	the	DET
ajbmeb-1251	19	30	banking	banking	NOUN
ajbmeb-1251	19	31	sector	sector	NOUN
ajbmeb-1251	19	32	.	.	PUNCT
ajbmeb-1251	20	1	research	research	NOUN
ajbmeb-1251	20	2	problem	problem	NOUN
ajbmeb-1251	20	3	:	:	PUNCT
ajbmeb-1251	20	4	the	the	DET
ajbmeb-1251	20	5	research	research	NOUN
ajbmeb-1251	20	6	seeks	seek	VERB
ajbmeb-1251	20	7	to	to	PART
ajbmeb-1251	20	8	emphasize	emphasize	VERB
ajbmeb-1251	20	9	how	how	SCONJ
ajbmeb-1251	20	10	the	the	DET
ajbmeb-1251	20	11	adoption	adoption	NOUN
ajbmeb-1251	20	12	of	of	ADP
ajbmeb-1251	20	13	contemporary	contemporary	ADJ
ajbmeb-1251	20	14	banking	banking	NOUN
ajbmeb-1251	20	15	tools	tool	NOUN
ajbmeb-1251	20	16	and	and	CCONJ
ajbmeb-1251	20	17	technologies	technology	NOUN
ajbmeb-1251	20	18	can	can	AUX
ajbmeb-1251	20	19	boost	boost	VERB
ajbmeb-1251	20	20	the	the	DET
ajbmeb-1251	20	21	profits	profit	NOUN
ajbmeb-1251	20	22	of	of	ADP
ajbmeb-1251	20	23	iraqi	iraqi	ADJ
ajbmeb-1251	20	24	banks	bank	NOUN
ajbmeb-1251	20	25	under	under	ADP
ajbmeb-1251	20	26	study	study	NOUN
ajbmeb-1251	20	27	.	.	PUNCT
ajbmeb-1251	21	1	the	the	DET
ajbmeb-1251	21	2	research	research	NOUN
ajbmeb-1251	21	3	problem	problem	NOUN
ajbmeb-1251	21	4	stems	stem	VERB
ajbmeb-1251	21	5	from	from	ADP
ajbmeb-1251	21	6	the	the	DET
ajbmeb-1251	21	7	fact	fact	NOUN
ajbmeb-1251	21	8	that	that	SCONJ
ajbmeb-1251	21	9	certain	certain	ADJ
ajbmeb-1251	21	10	iraqi	iraqi	ADJ
ajbmeb-1251	21	11	banks	bank	NOUN
ajbmeb-1251	21	12	still	still	ADV
ajbmeb-1251	21	13	use	use	VERB
ajbmeb-1251	21	14	outdated	outdated	ADJ
ajbmeb-1251	21	15	tools	tool	NOUN
ajbmeb-1251	21	16	and	and	CCONJ
ajbmeb-1251	21	17	technologies	technology	NOUN
ajbmeb-1251	21	18	,	,	PUNCT
ajbmeb-1251	21	19	which	which	PRON
ajbmeb-1251	21	20	negatively	negatively	ADV
ajbmeb-1251	21	21	impact	impact	VERB
ajbmeb-1251	21	22	their	their	PRON
ajbmeb-1251	21	23	profitability	profitability	NOUN
ajbmeb-1251	21	24	.	.	PUNCT
ajbmeb-1251	22	1	as	as	ADP
ajbmeb-1251	22	2	a	a	DET
ajbmeb-1251	22	3	result	result	NOUN
ajbmeb-1251	22	4	,	,	PUNCT
ajbmeb-1251	22	5	the	the	DET
ajbmeb-1251	22	6	iraqi	iraqi	ADJ
ajbmeb-1251	22	7	government	government	NOUN
ajbmeb-1251	22	8	has	have	AUX
ajbmeb-1251	22	9	been	be	AUX
ajbmeb-1251	22	10	working	work	VERB
ajbmeb-1251	22	11	diligently	diligently	ADV
ajbmeb-1251	22	12	since	since	SCONJ
ajbmeb-1251	22	13	the	the	DET
ajbmeb-1251	22	14	early	early	ADJ
ajbmeb-1251	22	15	20th	20th	ADJ
ajbmeb-1251	22	16	century	century	NOUN
ajbmeb-1251	22	17	to	to	PART
ajbmeb-1251	22	18	keep	keep	VERB
ajbmeb-1251	22	19	up	up	ADP
ajbmeb-1251	22	20	with	with	ADP
ajbmeb-1251	22	21	swift	swift	ADJ
ajbmeb-1251	22	22	technological	technological	ADJ
ajbmeb-1251	22	23	advancements	advancement	NOUN
ajbmeb-1251	22	24	.	.	PUNCT
ajbmeb-1251	23	1	they	they	PRON
ajbmeb-1251	23	2	have	have	AUX
ajbmeb-1251	23	3	achieved	achieve	VERB
ajbmeb-1251	23	4	this	this	PRON
ajbmeb-1251	23	5	by	by	ADP
ajbmeb-1251	23	6	incorporating	incorporate	VERB
ajbmeb-1251	23	7	modern	modern	ADJ
ajbmeb-1251	23	8	technologies	technology	NOUN
ajbmeb-1251	23	9	like	like	ADP
ajbmeb-1251	23	10	electronic	electronic	ADJ
ajbmeb-1251	23	11	banking	banking	NOUN
ajbmeb-1251	23	12	for	for	ADP
ajbmeb-1251	23	13	credit	credit	NOUN
ajbmeb-1251	23	14	cards	card	NOUN
ajbmeb-1251	23	15	,	,	PUNCT
ajbmeb-1251	23	16	thanks	thank	NOUN
ajbmeb-1251	23	17	to	to	ADP
ajbmeb-1251	23	18	privatization	privatization	NOUN
ajbmeb-1251	23	19	efforts	effort	NOUN
ajbmeb-1251	23	20	and	and	CCONJ
ajbmeb-1251	23	21	banking	banking	NOUN
ajbmeb-1251	23	22	sector	sector	NOUN
ajbmeb-1251	23	23	development	development	NOUN
ajbmeb-1251	23	24	programs	program	NOUN
ajbmeb-1251	23	25	aimed	aim	VERB
ajbmeb-1251	23	26	at	at	ADP
ajbmeb-1251	23	27	strengthening	strengthen	VERB
ajbmeb-1251	23	28	iraq	iraq	PROPN
ajbmeb-1251	23	29	's	's	PART
ajbmeb-1251	23	30	capabilities	capability	NOUN
ajbmeb-1251	23	31	.	.	PUNCT
ajbmeb-1251	24	1	the	the	DET
ajbmeb-1251	24	2	research	research	NOUN
ajbmeb-1251	24	3	problem	problem	NOUN
ajbmeb-1251	24	4	can	can	AUX
ajbmeb-1251	24	5	be	be	AUX
ajbmeb-1251	24	6	succinctly	succinctly	ADV
ajbmeb-1251	24	7	captured	capture	VERB
ajbmeb-1251	24	8	by	by	ADP
ajbmeb-1251	24	9	the	the	DET
ajbmeb-1251	24	10	following	follow	VERB
ajbmeb-1251	24	11	questions	question	NOUN
ajbmeb-1251	24	12	:	:	PUNCT
ajbmeb-1251	24	13	do	do	AUX
ajbmeb-1251	24	14	modern	modern	ADJ
ajbmeb-1251	24	15	technologies	technology	NOUN
ajbmeb-1251	24	16	play	play	VERB
ajbmeb-1251	24	17	a	a	DET
ajbmeb-1251	24	18	role	role	NOUN
ajbmeb-1251	24	19	in	in	ADP
ajbmeb-1251	24	20	enhancing	enhance	VERB
ajbmeb-1251	24	21	the	the	DET
ajbmeb-1251	24	22	profitability	profitability	NOUN
ajbmeb-1251	24	23	of	of	ADP
ajbmeb-1251	24	24	the	the	DET
ajbmeb-1251	24	25	researched	research	VERB
ajbmeb-1251	24	26	banks	bank	NOUN
ajbmeb-1251	24	27	?	?	PUNCT
ajbmeb-1251	25	1	what	what	PRON
ajbmeb-1251	25	2	is	be	AUX
ajbmeb-1251	25	3	the	the	DET
ajbmeb-1251	25	4	significance	significance	NOUN
ajbmeb-1251	25	5	of	of	ADP
ajbmeb-1251	25	6	the	the	DET
ajbmeb-1251	25	7	impact	impact	NOUN
ajbmeb-1251	25	8	of	of	ADP
ajbmeb-1251	25	9	using	use	VERB
ajbmeb-1251	25	10	modern	modern	ADJ
ajbmeb-1251	25	11	banking	banking	NOUN
ajbmeb-1251	25	12	technologies	technology	NOUN
ajbmeb-1251	25	13	on	on	ADP
ajbmeb-1251	25	14	the	the	DET
ajbmeb-1251	25	15	profitability	profitability	NOUN
ajbmeb-1251	25	16	of	of	ADP
ajbmeb-1251	25	17	the	the	DET
ajbmeb-1251	25	18	researched	research	VERB
ajbmeb-1251	25	19	banks	bank	NOUN
ajbmeb-1251	25	20	?	?	PUNCT
ajbmeb-1251	26	1	significance	significance	NOUN
ajbmeb-1251	26	2	of	of	ADP
ajbmeb-1251	26	3	the	the	DET
ajbmeb-1251	26	4	research	research	NOUN
ajbmeb-1251	26	5	:	:	PUNCT
ajbmeb-1251	26	6	the	the	DET
ajbmeb-1251	26	7	importance	importance	NOUN
ajbmeb-1251	26	8	of	of	ADP
ajbmeb-1251	26	9	the	the	DET
ajbmeb-1251	26	10	research	research	NOUN
ajbmeb-1251	26	11	can	can	AUX
ajbmeb-1251	26	12	be	be	AUX
ajbmeb-1251	26	13	summarized	summarize	VERB
ajbmeb-1251	26	14	as	as	SCONJ
ajbmeb-1251	26	15	follows	follow	VERB
ajbmeb-1251	26	16	:	:	PUNCT
ajbmeb-1251	27	1	1	1	X
ajbmeb-1251	27	2	.	.	X
ajbmeb-1251	27	3	disseminating	disseminate	VERB
ajbmeb-1251	27	4	financial	financial	ADJ
ajbmeb-1251	27	5	literacy	literacy	NOUN
ajbmeb-1251	27	6	to	to	PART
ajbmeb-1251	27	7	promote	promote	VERB
ajbmeb-1251	27	8	financial	financial	ADJ
ajbmeb-1251	27	9	inclusion	inclusion	NOUN
ajbmeb-1251	27	10	and	and	CCONJ
ajbmeb-1251	27	11	reach	reach	VERB
ajbmeb-1251	27	12	a	a	DET
ajbmeb-1251	27	13	larger	large	ADJ
ajbmeb-1251	27	14	number	number	NOUN
ajbmeb-1251	27	15	of	of	ADP
ajbmeb-1251	27	16	customers	customer	NOUN
ajbmeb-1251	27	17	through	through	ADP
ajbmeb-1251	27	18	electronic	electronic	ADJ
ajbmeb-1251	27	19	operations	operation	NOUN
ajbmeb-1251	27	20	.	.	PUNCT
ajbmeb-1251	28	1	2	2	X
ajbmeb-1251	28	2	.	.	X
ajbmeb-1251	28	3	understanding	understand	VERB
ajbmeb-1251	28	4	the	the	DET
ajbmeb-1251	28	5	current	current	ADJ
ajbmeb-1251	28	6	status	status	NOUN
ajbmeb-1251	28	7	of	of	ADP
ajbmeb-1251	28	8	the	the	DET
ajbmeb-1251	28	9	researched	research	VERB
ajbmeb-1251	28	10	iraqi	iraqi	ADJ
ajbmeb-1251	28	11	banks	bank	NOUN
ajbmeb-1251	28	12	concerning	concern	VERB
ajbmeb-1251	28	13	their	their	PRON
ajbmeb-1251	28	14	utilization	utilization	NOUN
ajbmeb-1251	28	15	of	of	ADP
ajbmeb-1251	28	16	modern	modern	ADJ
ajbmeb-1251	28	17	technologies	technology	NOUN
ajbmeb-1251	28	18	.	.	PUNCT
ajbmeb-1251	29	1	3	3	X
ajbmeb-1251	29	2	.	.	X
ajbmeb-1251	29	3	recognizing	recognize	VERB
ajbmeb-1251	29	4	the	the	DET
ajbmeb-1251	29	5	opinions	opinion	NOUN
ajbmeb-1251	29	6	of	of	ADP
ajbmeb-1251	29	7	employees	employee	NOUN
ajbmeb-1251	29	8	,	,	PUNCT
ajbmeb-1251	29	9	management	management	NOUN
ajbmeb-1251	29	10	,	,	PUNCT
ajbmeb-1251	29	11	and	and	CCONJ
ajbmeb-1251	29	12	departments	department	NOUN
ajbmeb-1251	29	13	within	within	ADP
ajbmeb-1251	29	14	the	the	DET
ajbmeb-1251	29	15	mentioned	mention	VERB
ajbmeb-1251	29	16	banks	bank	NOUN
ajbmeb-1251	29	17	regarding	regard	VERB
ajbmeb-1251	29	18	the	the	DET
ajbmeb-1251	29	19	significance	significance	NOUN
ajbmeb-1251	29	20	of	of	ADP
ajbmeb-1251	29	21	deepening	deepen	VERB
ajbmeb-1251	29	22	the	the	DET
ajbmeb-1251	29	23	use	use	NOUN
ajbmeb-1251	29	24	of	of	ADP
ajbmeb-1251	29	25	modern	modern	ADJ
ajbmeb-1251	29	26	banking	banking	NOUN
ajbmeb-1251	29	27	tools	tool	NOUN
ajbmeb-1251	29	28	and	and	CCONJ
ajbmeb-1251	29	29	its	its	PRON
ajbmeb-1251	29	30	relation	relation	NOUN
ajbmeb-1251	29	31	to	to	ADP
ajbmeb-1251	29	32	profitability	profitability	NOUN
ajbmeb-1251	29	33	performance	performance	NOUN
ajbmeb-1251	29	34	.	.	PUNCT
ajbmeb-1251	30	1	research	research	NOUN
ajbmeb-1251	30	2	objectives	objective	NOUN
ajbmeb-1251	30	3	:	:	PUNCT
ajbmeb-1251	30	4	the	the	DET
ajbmeb-1251	30	5	current	current	ADJ
ajbmeb-1251	30	6	research	research	NOUN
ajbmeb-1251	30	7	seeks	seek	VERB
ajbmeb-1251	30	8	to	to	PART
ajbmeb-1251	30	9	accomplish	accomplish	VERB
ajbmeb-1251	30	10	the	the	DET
ajbmeb-1251	30	11	following	following	ADJ
ajbmeb-1251	30	12	objectives	objective	NOUN
ajbmeb-1251	30	13	:	:	PUNCT
ajbmeb-1251	30	14	•	•	ADP
ajbmeb-1251	30	15	to	to	PART
ajbmeb-1251	30	16	assess	assess	VERB
ajbmeb-1251	30	17	the	the	DET
ajbmeb-1251	30	18	role	role	NOUN
ajbmeb-1251	30	19	of	of	ADP
ajbmeb-1251	30	20	contemporary	contemporary	ADJ
ajbmeb-1251	30	21	technologies	technology	NOUN
ajbmeb-1251	30	22	in	in	ADP
ajbmeb-1251	30	23	enhancing	enhance	VERB
ajbmeb-1251	30	24	the	the	DET
ajbmeb-1251	30	25	profitability	profitability	NOUN
ajbmeb-1251	30	26	of	of	ADP
ajbmeb-1251	30	27	the	the	DET
ajbmeb-1251	30	28	banks	bank	NOUN
ajbmeb-1251	30	29	under	under	ADP
ajbmeb-1251	30	30	investigation	investigation	NOUN
ajbmeb-1251	30	31	.	.	PUNCT
ajbmeb-1251	31	1	american	american	ADJ
ajbmeb-1251	31	2	journal	journal	PROPN
ajbmeb-1251	31	3	of	of	ADP
ajbmeb-1251	31	4	business	business	NOUN
ajbmeb-1251	31	5	management	management	NOUN
ajbmeb-1251	31	6	,	,	PUNCT
ajbmeb-1251	31	7	economics	economic	NOUN
ajbmeb-1251	31	8	and	and	CCONJ
ajbmeb-1251	31	9	banking	banking	NOUN
ajbmeb-1251	31	10	volume	volume	NOUN
ajbmeb-1251	31	11	16	16	NUM
ajbmeb-1251	31	12	sep	sep	PROPN
ajbmeb-1251	31	13	,	,	PUNCT
ajbmeb-1251	31	14	2023	2023	NUM
ajbmeb-1251	31	15	p	p	NOUN
ajbmeb-1251	31	16	a	a	PRON
ajbmeb-1251	31	17	g	g	NOUN
ajbmeb-1251	31	18	e	e	NOUN
ajbmeb-1251	31	19	|	|	NOUN
ajbmeb-1251	31	20	233	233	NUM
ajbmeb-1251	31	21	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1251	31	22	•	•	ADP
ajbmeb-1251	31	23	to	to	PART
ajbmeb-1251	31	24	determine	determine	VERB
ajbmeb-1251	31	25	the	the	DET
ajbmeb-1251	31	26	significance	significance	NOUN
ajbmeb-1251	31	27	of	of	ADP
ajbmeb-1251	31	28	the	the	DET
ajbmeb-1251	31	29	impact	impact	NOUN
ajbmeb-1251	31	30	resulting	result	VERB
ajbmeb-1251	31	31	from	from	ADP
ajbmeb-1251	31	32	the	the	DET
ajbmeb-1251	31	33	adoption	adoption	NOUN
ajbmeb-1251	31	34	of	of	ADP
ajbmeb-1251	31	35	modern	modern	ADJ
ajbmeb-1251	31	36	banking	banking	NOUN
ajbmeb-1251	31	37	technologies	technology	NOUN
ajbmeb-1251	31	38	on	on	ADP
ajbmeb-1251	31	39	the	the	DET
ajbmeb-1251	31	40	earnings	earning	NOUN
ajbmeb-1251	31	41	of	of	ADP
ajbmeb-1251	31	42	the	the	DET
ajbmeb-1251	31	43	researched	research	VERB
ajbmeb-1251	31	44	banks	bank	NOUN
ajbmeb-1251	31	45	.	.	PUNCT
ajbmeb-1251	32	1	•	•	ADP
ajbmeb-1251	32	2	to	to	PART
ajbmeb-1251	32	3	provide	provide	VERB
ajbmeb-1251	32	4	a	a	DET
ajbmeb-1251	32	5	theoretical	theoretical	ADJ
ajbmeb-1251	32	6	and	and	CCONJ
ajbmeb-1251	32	7	analytical	analytical	ADJ
ajbmeb-1251	32	8	perspective	perspective	NOUN
ajbmeb-1251	32	9	on	on	ADP
ajbmeb-1251	32	10	developments	development	NOUN
ajbmeb-1251	32	11	pertaining	pertain	VERB
ajbmeb-1251	32	12	to	to	ADP
ajbmeb-1251	32	13	modern	modern	ADJ
ajbmeb-1251	32	14	banking	banking	NOUN
ajbmeb-1251	32	15	technologies	technology	NOUN
ajbmeb-1251	32	16	and	and	CCONJ
ajbmeb-1251	32	17	their	their	PRON
ajbmeb-1251	32	18	influence	influence	NOUN
ajbmeb-1251	32	19	on	on	ADP
ajbmeb-1251	32	20	banking	banking	NOUN
ajbmeb-1251	32	21	performance	performance	NOUN
ajbmeb-1251	32	22	.	.	PUNCT
ajbmeb-1251	33	1	research	research	NOUN
ajbmeb-1251	33	2	hypotheses	hypothesis	NOUN
ajbmeb-1251	33	3	:	:	PUNCT
ajbmeb-1251	33	4	in	in	ADP
ajbmeb-1251	33	5	order	order	NOUN
ajbmeb-1251	33	6	to	to	PART
ajbmeb-1251	33	7	address	address	VERB
ajbmeb-1251	33	8	the	the	DET
ajbmeb-1251	33	9	questions	question	NOUN
ajbmeb-1251	33	10	posed	pose	VERB
ajbmeb-1251	33	11	by	by	ADP
ajbmeb-1251	33	12	the	the	DET
ajbmeb-1251	33	13	research	research	NOUN
ajbmeb-1251	33	14	problem	problem	NOUN
ajbmeb-1251	33	15	,	,	PUNCT
ajbmeb-1251	33	16	several	several	ADJ
ajbmeb-1251	33	17	hypotheses	hypothesis	NOUN
ajbmeb-1251	33	18	have	have	AUX
ajbmeb-1251	33	19	been	be	AUX
ajbmeb-1251	33	20	formulated	formulate	VERB
ajbmeb-1251	33	21	:	:	PUNCT
ajbmeb-1251	33	22	1	1	X
ajbmeb-1251	33	23	.	.	X
ajbmeb-1251	33	24	there	there	PRON
ajbmeb-1251	33	25	is	be	VERB
ajbmeb-1251	33	26	a	a	DET
ajbmeb-1251	33	27	statistically	statistically	ADV
ajbmeb-1251	33	28	significant	significant	ADJ
ajbmeb-1251	33	29	relationship	relationship	NOUN
ajbmeb-1251	33	30	between	between	ADP
ajbmeb-1251	33	31	the	the	DET
ajbmeb-1251	33	32	use	use	NOUN
ajbmeb-1251	33	33	of	of	ADP
ajbmeb-1251	33	34	modern	modern	ADJ
ajbmeb-1251	33	35	technologies	technology	NOUN
ajbmeb-1251	33	36	and	and	CCONJ
ajbmeb-1251	33	37	the	the	DET
ajbmeb-1251	33	38	profits	profit	NOUN
ajbmeb-1251	33	39	of	of	ADP
ajbmeb-1251	33	40	the	the	DET
ajbmeb-1251	33	41	researched	research	VERB
ajbmeb-1251	33	42	banks	bank	NOUN
ajbmeb-1251	33	43	.	.	PUNCT
ajbmeb-1251	34	1	2	2	X
ajbmeb-1251	34	2	.	.	X
ajbmeb-1251	34	3	there	there	PRON
ajbmeb-1251	34	4	is	be	VERB
ajbmeb-1251	34	5	a	a	DET
ajbmeb-1251	34	6	statistically	statistically	ADV
ajbmeb-1251	34	7	significant	significant	ADJ
ajbmeb-1251	34	8	impact	impact	NOUN
ajbmeb-1251	34	9	of	of	ADP
ajbmeb-1251	34	10	modern	modern	ADJ
ajbmeb-1251	34	11	technologies	technology	NOUN
ajbmeb-1251	34	12	on	on	ADP
ajbmeb-1251	34	13	the	the	DET
ajbmeb-1251	34	14	profitability	profitability	NOUN
ajbmeb-1251	34	15	of	of	ADP
ajbmeb-1251	34	16	the	the	DET
ajbmeb-1251	34	17	researched	research	VERB
ajbmeb-1251	34	18	iraqi	iraqi	ADJ
ajbmeb-1251	34	19	banks	bank	NOUN
ajbmeb-1251	34	20	.	.	PUNCT
ajbmeb-1251	35	1	previous	previous	ADJ
ajbmeb-1251	35	2	studies	study	NOUN
ajbmeb-1251	35	3	:	:	PUNCT
ajbmeb-1251	35	4	modern	modern	ADJ
ajbmeb-1251	35	5	banking	banking	NOUN
ajbmeb-1251	35	6	technologies	technology	NOUN
ajbmeb-1251	35	7	the	the	DET
ajbmeb-1251	35	8	concept	concept	NOUN
ajbmeb-1251	35	9	of	of	ADP
ajbmeb-1251	35	10	modern	modern	ADJ
ajbmeb-1251	35	11	banking	banking	NOUN
ajbmeb-1251	35	12	technologies	technology	NOUN
ajbmeb-1251	35	13	is	be	AUX
ajbmeb-1251	35	14	a	a	DET
ajbmeb-1251	35	15	highly	highly	ADV
ajbmeb-1251	35	16	intricate	intricate	ADJ
ajbmeb-1251	35	17	term	term	NOUN
ajbmeb-1251	35	18	from	from	ADP
ajbmeb-1251	35	19	the	the	DET
ajbmeb-1251	35	20	perspective	perspective	NOUN
ajbmeb-1251	35	21	of	of	ADP
ajbmeb-1251	35	22	cognitive	cognitive	ADJ
ajbmeb-1251	35	23	capacity	capacity	NOUN
ajbmeb-1251	35	24	.	.	PUNCT
ajbmeb-1251	36	1	there	there	PRON
ajbmeb-1251	36	2	exists	exist	VERB
ajbmeb-1251	36	3	a	a	DET
ajbmeb-1251	36	4	divergence	divergence	NOUN
ajbmeb-1251	36	5	in	in	ADP
ajbmeb-1251	36	6	several	several	ADJ
ajbmeb-1251	36	7	concepts	concept	NOUN
ajbmeb-1251	36	8	and	and	CCONJ
ajbmeb-1251	36	9	viewpoints	viewpoint	NOUN
ajbmeb-1251	36	10	.	.	PUNCT
ajbmeb-1251	37	1	this	this	DET
ajbmeb-1251	37	2	complexity	complexity	NOUN
ajbmeb-1251	37	3	arises	arise	VERB
ajbmeb-1251	37	4	because	because	SCONJ
ajbmeb-1251	37	5	the	the	DET
ajbmeb-1251	37	6	banking	banking	NOUN
ajbmeb-1251	37	7	system	system	NOUN
ajbmeb-1251	37	8	operates	operate	VERB
ajbmeb-1251	37	9	as	as	ADP
ajbmeb-1251	37	10	a	a	DET
ajbmeb-1251	37	11	meticulously	meticulously	ADV
ajbmeb-1251	37	12	organized	organize	VERB
ajbmeb-1251	37	13	entity	entity	NOUN
ajbmeb-1251	37	14	,	,	PUNCT
ajbmeb-1251	37	15	governed	govern	VERB
ajbmeb-1251	37	16	by	by	ADP
ajbmeb-1251	37	17	sophisticated	sophisticated	ADJ
ajbmeb-1251	37	18	banking	banking	NOUN
ajbmeb-1251	37	19	technological	technological	ADJ
ajbmeb-1251	37	20	systems	system	NOUN
ajbmeb-1251	37	21	that	that	PRON
ajbmeb-1251	37	22	harmonize	harmonize	VERB
ajbmeb-1251	37	23	its	its	PRON
ajbmeb-1251	37	24	functions	function	NOUN
ajbmeb-1251	37	25	and	and	CCONJ
ajbmeb-1251	37	26	objectives	objective	NOUN
ajbmeb-1251	37	27	.	.	PUNCT
ajbmeb-1251	38	1	we	we	PRON
ajbmeb-1251	38	2	shall	shall	AUX
ajbmeb-1251	38	3	elucidate	elucidate	VERB
ajbmeb-1251	38	4	certain	certain	ADJ
ajbmeb-1251	38	5	key	key	ADJ
ajbmeb-1251	38	6	concepts	concept	NOUN
ajbmeb-1251	38	7	for	for	ADP
ajbmeb-1251	38	8	our	our	PRON
ajbmeb-1251	38	9	present	present	ADJ
ajbmeb-1251	38	10	study	study	NOUN
ajbmeb-1251	38	11	:	:	PUNCT
ajbmeb-1251	38	12	a	a	DET
ajbmeb-1251	38	13	study	study	NOUN
ajbmeb-1251	38	14	conducted	conduct	VERB
ajbmeb-1251	38	15	by	by	ADP
ajbmeb-1251	38	16	hamed	hamed	PROPN
ajbmeb-1251	38	17	&	&	CCONJ
ajbmeb-1251	38	18	sultan	sultan	PROPN
ajbmeb-1251	38	19	(	(	PUNCT
ajbmeb-1251	38	20	2012	2012	NUM
ajbmeb-1251	38	21	)	)	PUNCT
ajbmeb-1251	38	22	delineates	delineate	VERB
ajbmeb-1251	38	23	modern	modern	ADJ
ajbmeb-1251	38	24	banking	banking	NOUN
ajbmeb-1251	38	25	technologies	technology	NOUN
ajbmeb-1251	38	26	as	as	ADP
ajbmeb-1251	38	27	“	"	PUNCT
ajbmeb-1251	38	28	an	an	DET
ajbmeb-1251	38	29	amalgamation	amalgamation	NOUN
ajbmeb-1251	38	30	of	of	ADP
ajbmeb-1251	38	31	advanced	advanced	ADJ
ajbmeb-1251	38	32	electronic	electronic	ADJ
ajbmeb-1251	38	33	technologies	technology	NOUN
ajbmeb-1251	38	34	and	and	CCONJ
ajbmeb-1251	38	35	cutting	cutting	NOUN
ajbmeb-1251	38	36	-	-	PUNCT
ajbmeb-1251	38	37	edge	edge	NOUN
ajbmeb-1251	38	38	tools	tool	NOUN
ajbmeb-1251	38	39	,	,	PUNCT
ajbmeb-1251	38	40	encompassing	encompass	VERB
ajbmeb-1251	38	41	all	all	DET
ajbmeb-1251	38	42	equipment	equipment	NOUN
ajbmeb-1251	38	43	and	and	CCONJ
ajbmeb-1251	38	44	devices	device	NOUN
ajbmeb-1251	38	45	effectively	effectively	ADV
ajbmeb-1251	38	46	deployable	deployable	VERB
ajbmeb-1251	38	47	for	for	ADP
ajbmeb-1251	38	48	attaining	attain	VERB
ajbmeb-1251	38	49	solutions	solution	NOUN
ajbmeb-1251	38	50	in	in	ADP
ajbmeb-1251	38	51	the	the	DET
ajbmeb-1251	38	52	realm	realm	NOUN
ajbmeb-1251	38	53	of	of	ADP
ajbmeb-1251	38	54	information	information	NOUN
ajbmeb-1251	38	55	production	production	NOUN
ajbmeb-1251	38	56	.	.	PUNCT
ajbmeb-1251	38	57	”	"	PUNCT
ajbmeb-1251	39	1	similarly	similarly	ADV
ajbmeb-1251	39	2	,	,	PUNCT
ajbmeb-1251	39	3	a	a	DET
ajbmeb-1251	39	4	study	study	NOUN
ajbmeb-1251	39	5	by	by	ADP
ajbmeb-1251	39	6	al	al	PROPN
ajbmeb-1251	39	7	-	-	PUNCT
ajbmeb-1251	39	8	zuwaidi	zuwaidi	PROPN
ajbmeb-1251	39	9	(	(	PUNCT
ajbmeb-1251	39	10	2012	2012	NUM
ajbmeb-1251	39	11	)	)	PUNCT
ajbmeb-1251	39	12	portrays	portray	VERB
ajbmeb-1251	39	13	modern	modern	ADJ
ajbmeb-1251	39	14	banking	banking	NOUN
ajbmeb-1251	39	15	technologies	technology	NOUN
ajbmeb-1251	39	16	as	as	ADP
ajbmeb-1251	39	17	“	"	PUNCT
ajbmeb-1251	39	18	contemporary	contemporary	ADJ
ajbmeb-1251	39	19	means	mean	NOUN
ajbmeb-1251	39	20	through	through	ADP
ajbmeb-1251	39	21	which	which	PRON
ajbmeb-1251	39	22	information	information	NOUN
ajbmeb-1251	39	23	can	can	AUX
ajbmeb-1251	39	24	be	be	AUX
ajbmeb-1251	39	25	stored	store	VERB
ajbmeb-1251	39	26	,	,	PUNCT
ajbmeb-1251	39	27	retrieved	retrieve	VERB
ajbmeb-1251	39	28	,	,	PUNCT
ajbmeb-1251	39	29	and	and	CCONJ
ajbmeb-1251	39	30	harnessed	harness	VERB
ajbmeb-1251	39	31	,	,	PUNCT
ajbmeb-1251	39	32	concurrently	concurrently	ADV
ajbmeb-1251	39	33	generating	generate	VERB
ajbmeb-1251	39	34	verbal	verbal	ADJ
ajbmeb-1251	39	35	,	,	PUNCT
ajbmeb-1251	39	36	textual	textual	ADJ
ajbmeb-1251	39	37	,	,	PUNCT
ajbmeb-1251	39	38	and	and	CCONJ
ajbmeb-1251	39	39	digital	digital	ADJ
ajbmeb-1251	39	40	data	datum	NOUN
ajbmeb-1251	39	41	through	through	ADP
ajbmeb-1251	39	42	electronic	electronic	ADJ
ajbmeb-1251	39	43	conduits	conduit	NOUN
ajbmeb-1251	39	44	via	via	ADP
ajbmeb-1251	39	45	the	the	DET
ajbmeb-1251	39	46	integration	integration	NOUN
ajbmeb-1251	39	47	of	of	ADP
ajbmeb-1251	39	48	electronic	electronic	ADJ
ajbmeb-1251	39	49	computing	computing	NOUN
ajbmeb-1251	39	50	devices	device	NOUN
ajbmeb-1251	39	51	and	and	CCONJ
ajbmeb-1251	39	52	communication	communication	NOUN
ajbmeb-1251	39	53	apparatus	apparatus	NOUN
ajbmeb-1251	39	54	.	.	PUNCT
ajbmeb-1251	39	55	”	"	PUNCT
ajbmeb-1251	40	1	in	in	ADP
ajbmeb-1251	40	2	tandem	tandem	NOUN
ajbmeb-1251	40	3	with	with	ADP
ajbmeb-1251	40	4	these	these	DET
ajbmeb-1251	40	5	perspectives	perspective	NOUN
ajbmeb-1251	40	6	,	,	PUNCT
ajbmeb-1251	40	7	a	a	DET
ajbmeb-1251	40	8	study	study	NOUN
ajbmeb-1251	40	9	conducted	conduct	VERB
ajbmeb-1251	40	10	by	by	ADP
ajbmeb-1251	40	11	al	al	PROPN
ajbmeb-1251	40	12	-	-	PUNCT
ajbmeb-1251	40	13	alami	alami	PROPN
ajbmeb-1251	40	14	(	(	PUNCT
ajbmeb-1251	40	15	2013	2013	NUM
ajbmeb-1251	40	16	)	)	PUNCT
ajbmeb-1251	40	17	characterizes	characterize	VERB
ajbmeb-1251	40	18	modern	modern	ADJ
ajbmeb-1251	40	19	banking	banking	NOUN
ajbmeb-1251	40	20	technologies	technology	NOUN
ajbmeb-1251	40	21	as	as	ADP
ajbmeb-1251	40	22	“	"	PUNCT
ajbmeb-1251	40	23	technological	technological	ADJ
ajbmeb-1251	40	24	constructs	construct	NOUN
ajbmeb-1251	40	25	underpinned	underpin	VERB
ajbmeb-1251	40	26	by	by	ADP
ajbmeb-1251	40	27	electronic	electronic	ADJ
ajbmeb-1251	40	28	devices	device	NOUN
ajbmeb-1251	40	29	that	that	PRON
ajbmeb-1251	40	30	can	can	AUX
ajbmeb-1251	40	31	be	be	AUX
ajbmeb-1251	40	32	harnessed	harness	VERB
ajbmeb-1251	40	33	for	for	ADP
ajbmeb-1251	40	34	the	the	DET
ajbmeb-1251	40	35	processing	processing	NOUN
ajbmeb-1251	40	36	,	,	PUNCT
ajbmeb-1251	40	37	analysis	analysis	NOUN
ajbmeb-1251	40	38	,	,	PUNCT
ajbmeb-1251	40	39	storage	storage	NOUN
ajbmeb-1251	40	40	,	,	PUNCT
ajbmeb-1251	40	41	and	and	CCONJ
ajbmeb-1251	40	42	judicious	judicious	ADJ
ajbmeb-1251	40	43	utilization	utilization	NOUN
ajbmeb-1251	40	44	of	of	ADP
ajbmeb-1251	40	45	information	information	NOUN
ajbmeb-1251	40	46	.	.	PUNCT
ajbmeb-1251	41	1	these	these	DET
ajbmeb-1251	41	2	informational	informational	ADJ
ajbmeb-1251	41	3	resources	resource	NOUN
ajbmeb-1251	41	4	are	be	AUX
ajbmeb-1251	41	5	methodically	methodically	ADV
ajbmeb-1251	41	6	encapsulated	encapsulate	VERB
ajbmeb-1251	41	7	until	until	SCONJ
ajbmeb-1251	41	8	knowledge	knowledge	NOUN
ajbmeb-1251	41	9	acquisition	acquisition	NOUN
ajbmeb-1251	41	10	is	be	AUX
ajbmeb-1251	41	11	realised	realise	VERB
ajbmeb-1251	41	12	.	.	PUNCT
ajbmeb-1251	41	13	”	"	PUNCT
ajbmeb-1251	42	1	in	in	ADP
ajbmeb-1251	42	2	keeping	keep	VERB
ajbmeb-1251	42	3	with	with	ADP
ajbmeb-1251	42	4	this	this	DET
ajbmeb-1251	42	5	paradigm	paradigm	NOUN
ajbmeb-1251	42	6	,	,	PUNCT
ajbmeb-1251	42	7	banks	bank	NOUN
ajbmeb-1251	42	8	have	have	AUX
ajbmeb-1251	42	9	traversed	traverse	VERB
ajbmeb-1251	42	10	contemporary	contemporary	ADJ
ajbmeb-1251	42	11	avenues	avenue	NOUN
ajbmeb-1251	42	12	to	to	PART
ajbmeb-1251	42	13	cultivate	cultivate	VERB
ajbmeb-1251	42	14	trust	trust	NOUN
ajbmeb-1251	42	15	among	among	ADP
ajbmeb-1251	42	16	their	their	PRON
ajbmeb-1251	42	17	clientele	clientele	NOUN
ajbmeb-1251	42	18	,	,	PUNCT
ajbmeb-1251	42	19	leveraging	leverage	VERB
ajbmeb-1251	42	20	multifarious	multifarious	ADJ
ajbmeb-1251	42	21	channels	channel	NOUN
ajbmeb-1251	42	22	and	and	CCONJ
ajbmeb-1251	42	23	banking	banking	NOUN
ajbmeb-1251	42	24	technologies	technology	NOUN
ajbmeb-1251	42	25	.	.	PUNCT
ajbmeb-1251	43	1	eminent	eminent	ADJ
ajbmeb-1251	43	2	examples	example	NOUN
ajbmeb-1251	43	3	from	from	ADP
ajbmeb-1251	43	4	the	the	DET
ajbmeb-1251	43	5	year	year	NOUN
ajbmeb-1251	43	6	2021	2021	NUM
ajbmeb-1251	43	7	encompass	encompass	VERB
ajbmeb-1251	43	8	electronic	electronic	ADJ
ajbmeb-1251	43	9	account	account	NOUN
ajbmeb-1251	43	10	opening	opening	NOUN
ajbmeb-1251	43	11	,	,	PUNCT
ajbmeb-1251	43	12	application	application	NOUN
ajbmeb-1251	43	13	development	development	NOUN
ajbmeb-1251	43	14	,	,	PUNCT
ajbmeb-1251	43	15	person	person	NOUN
ajbmeb-1251	43	16	-	-	PUNCT
ajbmeb-1251	43	17	to	to	ADP
ajbmeb-1251	43	18	-	-	PUNCT
ajbmeb-1251	43	19	person	person	NOUN
ajbmeb-1251	43	20	payments	payment	NOUN
ajbmeb-1251	43	21	,	,	PUNCT
ajbmeb-1251	43	22	cloud	cloud	NOUN
ajbmeb-1251	43	23	computing	computing	NOUN
ajbmeb-1251	43	24	,	,	PUNCT
ajbmeb-1251	43	25	video	video	NOUN
ajbmeb-1251	43	26	-	-	PUNCT
ajbmeb-1251	43	27	based	base	VERB
ajbmeb-1251	43	28	communication	communication	NOUN
ajbmeb-1251	43	29	,	,	PUNCT
ajbmeb-1251	43	30	and	and	CCONJ
ajbmeb-1251	43	31	the	the	DET
ajbmeb-1251	43	32	introduction	introduction	NOUN
ajbmeb-1251	43	33	of	of	ADP
ajbmeb-1251	43	34	three	three	NUM
ajbmeb-1251	43	35	additional	additional	ADJ
ajbmeb-1251	43	36	technologies	technology	NOUN
ajbmeb-1251	43	37	in	in	ADP
ajbmeb-1251	43	38	2022	2022	NUM
ajbmeb-1251	43	39	:	:	PUNCT
ajbmeb-1251	43	40	chatbots	chatbot	NOUN
ajbmeb-1251	43	41	,	,	PUNCT
ajbmeb-1251	43	42	machine	machine	NOUN
ajbmeb-1251	43	43	learning	learning	NOUN
ajbmeb-1251	43	44	,	,	PUNCT
ajbmeb-1251	43	45	and	and	CCONJ
ajbmeb-1251	43	46	electronic	electronic	ADJ
ajbmeb-1251	43	47	loan	loan	NOUN
ajbmeb-1251	43	48	application	application	NOUN
ajbmeb-1251	43	49	procedures	procedure	NOUN
ajbmeb-1251	43	50	(	(	PUNCT
ajbmeb-1251	43	51	shevlin	shevlin	NOUN
ajbmeb-1251	43	52	,	,	PUNCT
ajbmeb-1251	43	53	2022	2022	NUM
ajbmeb-1251	43	54	)	)	PUNCT
ajbmeb-1251	43	55	.	.	PUNCT
ajbmeb-1251	44	1	both	both	DET
ajbmeb-1251	44	2	researchers	researcher	NOUN
ajbmeb-1251	44	3	contend	contend	VERB
ajbmeb-1251	44	4	that	that	SCONJ
ajbmeb-1251	44	5	the	the	DET
ajbmeb-1251	44	6	cadence	cadence	NOUN
ajbmeb-1251	44	7	of	of	ADP
ajbmeb-1251	44	8	technological	technological	ADJ
ajbmeb-1251	44	9	advancement	advancement	NOUN
ajbmeb-1251	44	10	and	and	CCONJ
ajbmeb-1251	44	11	the	the	DET
ajbmeb-1251	44	12	orchestration	orchestration	NOUN
ajbmeb-1251	44	13	of	of	ADP
ajbmeb-1251	44	14	the	the	DET
ajbmeb-1251	44	15	information	information	NOUN
ajbmeb-1251	44	16	revolution	revolution	NOUN
ajbmeb-1251	44	17	have	have	AUX
ajbmeb-1251	44	18	interlinked	interlink	VERB
ajbmeb-1251	44	19	individuals	individual	NOUN
ajbmeb-1251	44	20	across	across	ADP
ajbmeb-1251	44	21	the	the	DET
ajbmeb-1251	44	22	globe	globe	NOUN
ajbmeb-1251	44	23	via	via	ADP
ajbmeb-1251	44	24	networks	network	NOUN
ajbmeb-1251	44	25	and	and	CCONJ
ajbmeb-1251	44	26	the	the	DET
ajbmeb-1251	44	27	internet	internet	NOUN
ajbmeb-1251	44	28	,	,	PUNCT
ajbmeb-1251	44	29	catalysing	catalyse	VERB
ajbmeb-1251	44	30	the	the	DET
ajbmeb-1251	44	31	expeditious	expeditious	ADJ
ajbmeb-1251	44	32	exchange	exchange	NOUN
ajbmeb-1251	44	33	of	of	ADP
ajbmeb-1251	44	34	information	information	NOUN
ajbmeb-1251	44	35	and	and	CCONJ
ajbmeb-1251	44	36	the	the	DET
ajbmeb-1251	44	37	prompt	prompt	ADJ
ajbmeb-1251	44	38	metamorphosis	metamorphosis	NOUN
ajbmeb-1251	44	39	of	of	ADP
ajbmeb-1251	44	40	inputs	input	NOUN
ajbmeb-1251	44	41	into	into	ADP
ajbmeb-1251	44	42	outputs	output	NOUN
ajbmeb-1251	44	43	,	,	PUNCT
ajbmeb-1251	44	44	facilitating	facilitate	VERB
ajbmeb-1251	44	45	information	information	NOUN
ajbmeb-1251	44	46	retrieval	retrieval	NOUN
ajbmeb-1251	44	47	and	and	CCONJ
ajbmeb-1251	44	48	informed	informed	ADJ
ajbmeb-1251	44	49	decision	decision	NOUN
ajbmeb-1251	44	50	-	-	PUNCT
ajbmeb-1251	44	51	making	making	NOUN
ajbmeb-1251	44	52	.	.	PUNCT
ajbmeb-1251	45	1	american	american	ADJ
ajbmeb-1251	45	2	journal	journal	PROPN
ajbmeb-1251	45	3	of	of	ADP
ajbmeb-1251	45	4	business	business	NOUN
ajbmeb-1251	45	5	management	management	NOUN
ajbmeb-1251	45	6	,	,	PUNCT
ajbmeb-1251	45	7	economics	economic	NOUN
ajbmeb-1251	45	8	and	and	CCONJ
ajbmeb-1251	45	9	banking	banking	NOUN
ajbmeb-1251	45	10	volume	volume	NOUN
ajbmeb-1251	45	11	16	16	NUM
ajbmeb-1251	45	12	sep	sep	PROPN
ajbmeb-1251	45	13	,	,	PUNCT
ajbmeb-1251	45	14	2023	2023	NUM
ajbmeb-1251	45	15	p	p	NOUN
ajbmeb-1251	45	16	a	a	DET
ajbmeb-1251	45	17	g	g	NOUN
ajbmeb-1251	45	18	e	e	NOUN
ajbmeb-1251	45	19	|	|	ADV
ajbmeb-1251	45	20	234	234	NUM
ajbmeb-1251	45	21	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1251	45	22	the	the	DET
ajbmeb-1251	45	23	importance	importance	NOUN
ajbmeb-1251	45	24	of	of	ADP
ajbmeb-1251	45	25	modern	modern	ADJ
ajbmeb-1251	45	26	technologies	technology	NOUN
ajbmeb-1251	45	27	bank	bank	NOUN
ajbmeb-1251	45	28	managers	manager	NOUN
ajbmeb-1251	45	29	require	require	VERB
ajbmeb-1251	45	30	making	make	VERB
ajbmeb-1251	45	31	decisions	decision	NOUN
ajbmeb-1251	45	32	that	that	PRON
ajbmeb-1251	45	33	,	,	PUNCT
ajbmeb-1251	45	34	in	in	ADP
ajbmeb-1251	45	35	turn	turn	NOUN
ajbmeb-1251	45	36	,	,	PUNCT
ajbmeb-1251	45	37	necessitate	necessitate	ADJ
ajbmeb-1251	45	38	strategic	strategic	ADJ
ajbmeb-1251	45	39	information	information	NOUN
ajbmeb-1251	45	40	.	.	PUNCT
ajbmeb-1251	46	1	the	the	DET
ajbmeb-1251	46	2	importance	importance	NOUN
ajbmeb-1251	46	3	of	of	ADP
ajbmeb-1251	46	4	these	these	DET
ajbmeb-1251	46	5	technologies	technology	NOUN
ajbmeb-1251	46	6	lies	lie	VERB
ajbmeb-1251	46	7	in	in	ADP
ajbmeb-1251	46	8	the	the	DET
ajbmeb-1251	46	9	fact	fact	NOUN
ajbmeb-1251	46	10	that	that	SCONJ
ajbmeb-1251	46	11	modern	modern	ADJ
ajbmeb-1251	46	12	and	and	CCONJ
ajbmeb-1251	46	13	advanced	advanced	ADJ
ajbmeb-1251	46	14	technology	technology	NOUN
ajbmeb-1251	46	15	instills	instill	VERB
ajbmeb-1251	46	16	confidence	confidence	NOUN
ajbmeb-1251	46	17	in	in	ADP
ajbmeb-1251	46	18	managers	manager	NOUN
ajbmeb-1251	46	19	to	to	PART
ajbmeb-1251	46	20	make	make	VERB
ajbmeb-1251	46	21	such	such	ADJ
ajbmeb-1251	46	22	decisions	decision	NOUN
ajbmeb-1251	46	23	,	,	PUNCT
ajbmeb-1251	46	24	reduces	reduce	VERB
ajbmeb-1251	46	25	errors	error	NOUN
ajbmeb-1251	46	26	,	,	PUNCT
ajbmeb-1251	46	27	and	and	CCONJ
ajbmeb-1251	46	28	enhances	enhance	VERB
ajbmeb-1251	46	29	time	time	NOUN
ajbmeb-1251	46	30	management	management	NOUN
ajbmeb-1251	46	31	.	.	PUNCT
ajbmeb-1251	47	1	many	many	ADJ
ajbmeb-1251	47	2	countries	country	NOUN
ajbmeb-1251	47	3	have	have	AUX
ajbmeb-1251	47	4	adopted	adopt	VERB
ajbmeb-1251	47	5	this	this	DET
ajbmeb-1251	47	6	approach	approach	NOUN
ajbmeb-1251	47	7	across	across	ADP
ajbmeb-1251	47	8	various	various	ADJ
ajbmeb-1251	47	9	sectors	sector	NOUN
ajbmeb-1251	47	10	.	.	PUNCT
ajbmeb-1251	48	1	these	these	DET
ajbmeb-1251	48	2	advancements	advancement	NOUN
ajbmeb-1251	48	3	have	have	AUX
ajbmeb-1251	48	4	created	create	VERB
ajbmeb-1251	48	5	a	a	DET
ajbmeb-1251	48	6	positive	positive	ADJ
ajbmeb-1251	48	7	impact	impact	NOUN
ajbmeb-1251	48	8	for	for	ADP
ajbmeb-1251	48	9	the	the	DET
ajbmeb-1251	48	10	benefiting	benefit	VERB
ajbmeb-1251	48	11	customers	customer	NOUN
ajbmeb-1251	48	12	.	.	PUNCT
ajbmeb-1251	49	1	the	the	DET
ajbmeb-1251	49	2	recent	recent	ADJ
ajbmeb-1251	49	3	and	and	CCONJ
ajbmeb-1251	49	4	advanced	advanced	ADJ
ajbmeb-1251	49	5	technological	technological	ADJ
ajbmeb-1251	49	6	transformation	transformation	NOUN
ajbmeb-1251	49	7	holds	hold	VERB
ajbmeb-1251	49	8	significant	significant	ADJ
ajbmeb-1251	49	9	importance	importance	NOUN
ajbmeb-1251	49	10	for	for	ADP
ajbmeb-1251	49	11	the	the	DET
ajbmeb-1251	49	12	banking	banking	NOUN
ajbmeb-1251	49	13	and	and	CCONJ
ajbmeb-1251	49	14	financial	financial	ADJ
ajbmeb-1251	49	15	industries	industry	NOUN
ajbmeb-1251	49	16	,	,	PUNCT
ajbmeb-1251	49	17	enabling	enable	VERB
ajbmeb-1251	49	18	the	the	DET
ajbmeb-1251	49	19	creation	creation	NOUN
ajbmeb-1251	49	20	of	of	ADP
ajbmeb-1251	49	21	modern	modern	ADJ
ajbmeb-1251	49	22	methods	method	NOUN
ajbmeb-1251	49	23	within	within	ADP
ajbmeb-1251	49	24	the	the	DET
ajbmeb-1251	49	25	banking	banking	NOUN
ajbmeb-1251	49	26	system	system	NOUN
ajbmeb-1251	49	27	,	,	PUNCT
ajbmeb-1251	49	28	such	such	ADJ
ajbmeb-1251	49	29	as	as	ADP
ajbmeb-1251	49	30	increased	increase	VERB
ajbmeb-1251	49	31	investments	investment	NOUN
ajbmeb-1251	49	32	in	in	ADP
ajbmeb-1251	49	33	fintech	fintech	NOUN
ajbmeb-1251	49	34	,	,	PUNCT
ajbmeb-1251	49	35	defined	define	VERB
ajbmeb-1251	49	36	by	by	ADP
ajbmeb-1251	49	37	the	the	DET
ajbmeb-1251	49	38	financial	financial	ADJ
ajbmeb-1251	49	39	stability	stability	PROPN
ajbmeb-1251	49	40	board	board	NOUN
ajbmeb-1251	49	41	as	as	ADP
ajbmeb-1251	49	42	financial	financial	ADJ
ajbmeb-1251	49	43	technology	technology	NOUN
ajbmeb-1251	49	44	(	(	PUNCT
ajbmeb-1251	49	45	abd	abd	PROPN
ajbmeb-1251	49	46	ali	ali	PROPN
ajbmeb-1251	49	47	&	&	CCONJ
ajbmeb-1251	49	48	khudair	khudair	PROPN
ajbmeb-1251	49	49	,	,	PUNCT
ajbmeb-1251	49	50	2020	2020	NUM
ajbmeb-1251	49	51	,	,	PUNCT
ajbmeb-1251	49	52	p.	p.	NOUN
ajbmeb-1251	49	53	30	30	NUM
ajbmeb-1251	49	54	)	)	PUNCT
ajbmeb-1251	49	55	.	.	PUNCT
ajbmeb-1251	50	1	contemporary	contemporary	ADJ
ajbmeb-1251	50	2	financial	financial	ADJ
ajbmeb-1251	50	3	technologies	technology	NOUN
ajbmeb-1251	50	4	,	,	PUNCT
ajbmeb-1251	50	5	commonly	commonly	ADV
ajbmeb-1251	50	6	referred	refer	VERB
ajbmeb-1251	50	7	to	to	ADP
ajbmeb-1251	50	8	as	as	ADP
ajbmeb-1251	50	9	fintech	fintech	NOUN
ajbmeb-1251	50	10	,	,	PUNCT
ajbmeb-1251	50	11	have	have	AUX
ajbmeb-1251	50	12	inaugurated	inaugurate	VERB
ajbmeb-1251	50	13	a	a	DET
ajbmeb-1251	50	14	substantive	substantive	ADJ
ajbmeb-1251	50	15	transformation	transformation	NOUN
ajbmeb-1251	50	16	in	in	ADP
ajbmeb-1251	50	17	the	the	DET
ajbmeb-1251	50	18	administration	administration	NOUN
ajbmeb-1251	50	19	of	of	ADP
ajbmeb-1251	50	20	banking	banking	NOUN
ajbmeb-1251	50	21	procedures	procedure	NOUN
ajbmeb-1251	50	22	,	,	PUNCT
ajbmeb-1251	50	23	enhancing	enhance	VERB
ajbmeb-1251	50	24	the	the	DET
ajbmeb-1251	50	25	efficacy	efficacy	NOUN
ajbmeb-1251	50	26	of	of	ADP
ajbmeb-1251	50	27	conventional	conventional	ADJ
ajbmeb-1251	50	28	banking	banking	NOUN
ajbmeb-1251	50	29	activities	activity	NOUN
ajbmeb-1251	50	30	.	.	PUNCT
ajbmeb-1251	51	1	these	these	DET
ajbmeb-1251	51	2	encompass	encompass	VERB
ajbmeb-1251	51	3	electronic	electronic	ADJ
ajbmeb-1251	51	4	payment	payment	NOUN
ajbmeb-1251	51	5	platforms	platform	NOUN
ajbmeb-1251	51	6	,	,	PUNCT
ajbmeb-1251	51	7	virtual	virtual	ADJ
ajbmeb-1251	51	8	currencies	currency	NOUN
ajbmeb-1251	51	9	,	,	PUNCT
ajbmeb-1251	51	10	digital	digital	ADJ
ajbmeb-1251	51	11	authentication	authentication	NOUN
ajbmeb-1251	51	12	mechanisms	mechanism	NOUN
ajbmeb-1251	51	13	,	,	PUNCT
ajbmeb-1251	51	14	and	and	CCONJ
ajbmeb-1251	51	15	electronic	electronic	ADJ
ajbmeb-1251	51	16	authentication	authentication	NOUN
ajbmeb-1251	51	17	.	.	PUNCT
ajbmeb-1251	52	1	the	the	DET
ajbmeb-1251	52	2	significance	significance	NOUN
ajbmeb-1251	52	3	of	of	ADP
ajbmeb-1251	52	4	the	the	DET
ajbmeb-1251	52	5	imperative	imperative	NOUN
ajbmeb-1251	52	6	for	for	ADP
ajbmeb-1251	52	7	these	these	DET
ajbmeb-1251	52	8	technological	technological	ADJ
ajbmeb-1251	52	9	advancements	advancement	NOUN
ajbmeb-1251	52	10	may	may	AUX
ajbmeb-1251	52	11	be	be	AUX
ajbmeb-1251	52	12	succinctly	succinctly	ADV
ajbmeb-1251	52	13	encapsulated	encapsulate	VERB
ajbmeb-1251	52	14	as	as	SCONJ
ajbmeb-1251	52	15	follows	follow	VERB
ajbmeb-1251	52	16	:	:	PUNCT
ajbmeb-1251	52	17	(	(	PUNCT
ajbmeb-1251	52	18	dowling	dowle	VERB
ajbmeb-1251	52	19	&	&	CCONJ
ajbmeb-1251	52	20	leech	leech	NOUN
ajbmeb-1251	52	21	,	,	PUNCT
ajbmeb-1251	52	22	2014	2014	NUM
ajbmeb-1251	52	23	)	)	PUNCT
ajbmeb-1251	52	24	(	(	PUNCT
ajbmeb-1251	52	25	gray	gray	ADJ
ajbmeb-1251	52	26	,	,	PUNCT
ajbmeb-1251	52	27	2016	2016	NUM
ajbmeb-1251	52	28	,	,	PUNCT
ajbmeb-1251	52	29	p.	p.	NOUN
ajbmeb-1251	52	30	6	6	NUM
ajbmeb-1251	52	31	):	):	PUNCT
ajbmeb-1251	52	32	speed	speed	NOUN
ajbmeb-1251	52	33	,	,	PUNCT
ajbmeb-1251	52	34	accuracy	accuracy	NOUN
ajbmeb-1251	52	35	,	,	PUNCT
ajbmeb-1251	52	36	and	and	CCONJ
ajbmeb-1251	52	37	reliability	reliability	NOUN
ajbmeb-1251	52	38	.	.	PUNCT
ajbmeb-1251	53	1	precision	precision	NOUN
ajbmeb-1251	53	2	in	in	ADP
ajbmeb-1251	53	3	preparing	prepare	VERB
ajbmeb-1251	53	4	financial	financial	ADJ
ajbmeb-1251	53	5	data	datum	NOUN
ajbmeb-1251	53	6	or	or	CCONJ
ajbmeb-1251	53	7	any	any	DET
ajbmeb-1251	53	8	other	other	ADJ
ajbmeb-1251	53	9	statistics	statistic	NOUN
ajbmeb-1251	53	10	when	when	SCONJ
ajbmeb-1251	53	11	making	make	VERB
ajbmeb-1251	53	12	decisions	decision	NOUN
ajbmeb-1251	53	13	.	.	PUNCT
ajbmeb-1251	54	1	increased	increase	VERB
ajbmeb-1251	54	2	task	task	NOUN
ajbmeb-1251	54	3	completion	completion	NOUN
ajbmeb-1251	54	4	speed	speed	NOUN
ajbmeb-1251	54	5	,	,	PUNCT
ajbmeb-1251	54	6	thereby	thereby	ADV
ajbmeb-1251	54	7	increasing	increase	VERB
ajbmeb-1251	54	8	productivity	productivity	NOUN
ajbmeb-1251	54	9	.	.	PUNCT
ajbmeb-1251	55	1	cost	cost	NOUN
ajbmeb-1251	55	2	reduction	reduction	NOUN
ajbmeb-1251	55	3	and	and	CCONJ
ajbmeb-1251	55	4	achieving	achieve	VERB
ajbmeb-1251	55	5	efficiency	efficiency	NOUN
ajbmeb-1251	55	6	in	in	ADP
ajbmeb-1251	55	7	terms	term	NOUN
ajbmeb-1251	55	8	of	of	ADP
ajbmeb-1251	55	9	effort	effort	NOUN
ajbmeb-1251	55	10	and	and	CCONJ
ajbmeb-1251	55	11	time	time	NOUN
ajbmeb-1251	55	12	.	.	PUNCT
ajbmeb-1251	56	1	swift	swift	ADJ
ajbmeb-1251	56	2	access	access	NOUN
ajbmeb-1251	56	3	to	to	ADP
ajbmeb-1251	56	4	information	information	NOUN
ajbmeb-1251	56	5	for	for	ADP
ajbmeb-1251	56	6	individuals	individual	NOUN
ajbmeb-1251	56	7	through	through	ADP
ajbmeb-1251	56	8	the	the	DET
ajbmeb-1251	56	9	use	use	NOUN
ajbmeb-1251	56	10	of	of	ADP
ajbmeb-1251	56	11	the	the	DET
ajbmeb-1251	56	12	internet	internet	NOUN
ajbmeb-1251	56	13	and	and	CCONJ
ajbmeb-1251	56	14	mobile	mobile	ADJ
ajbmeb-1251	56	15	phones	phone	NOUN
ajbmeb-1251	56	16	.	.	PUNCT
ajbmeb-1251	57	1	sending	send	VERB
ajbmeb-1251	57	2	and	and	CCONJ
ajbmeb-1251	57	3	receiving	receive	VERB
ajbmeb-1251	57	4	data	datum	NOUN
ajbmeb-1251	57	5	at	at	ADP
ajbmeb-1251	57	6	any	any	DET
ajbmeb-1251	57	7	time	time	NOUN
ajbmeb-1251	57	8	and	and	CCONJ
ajbmeb-1251	57	9	place	place	NOUN
ajbmeb-1251	57	10	.	.	PUNCT
ajbmeb-1251	58	1	dimensions	dimension	NOUN
ajbmeb-1251	58	2	of	of	ADP
ajbmeb-1251	58	3	modern	modern	ADJ
ajbmeb-1251	58	4	technologies	technology	NOUN
ajbmeb-1251	58	5	for	for	ADP
ajbmeb-1251	58	6	banks	bank	NOUN
ajbmeb-1251	58	7	technology	technology	NOUN
ajbmeb-1251	58	8	and	and	CCONJ
ajbmeb-1251	58	9	its	its	PRON
ajbmeb-1251	58	10	innovations	innovation	NOUN
ajbmeb-1251	58	11	are	be	AUX
ajbmeb-1251	58	12	at	at	ADP
ajbmeb-1251	58	13	the	the	DET
ajbmeb-1251	58	14	forefront	forefront	NOUN
ajbmeb-1251	58	15	due	due	ADP
ajbmeb-1251	58	16	to	to	ADP
ajbmeb-1251	58	17	the	the	DET
ajbmeb-1251	58	18	benefits	benefit	NOUN
ajbmeb-1251	58	19	they	they	PRON
ajbmeb-1251	58	20	offer	offer	VERB
ajbmeb-1251	58	21	to	to	ADP
ajbmeb-1251	58	22	both	both	DET
ajbmeb-1251	58	23	customers	customer	NOUN
ajbmeb-1251	58	24	(	(	PUNCT
ajbmeb-1251	58	25	low	low	ADJ
ajbmeb-1251	58	26	costs	cost	NOUN
ajbmeb-1251	58	27	,	,	PUNCT
ajbmeb-1251	58	28	speed	speed	NOUN
ajbmeb-1251	58	29	,	,	PUNCT
ajbmeb-1251	58	30	and	and	CCONJ
ajbmeb-1251	58	31	convenience	convenience	NOUN
ajbmeb-1251	58	32	)	)	PUNCT
ajbmeb-1251	58	33	and	and	CCONJ
ajbmeb-1251	58	34	banks	bank	NOUN
ajbmeb-1251	58	35	(	(	PUNCT
ajbmeb-1251	58	36	market	market	NOUN
ajbmeb-1251	58	37	share	share	NOUN
ajbmeb-1251	58	38	acquisition	acquisition	NOUN
ajbmeb-1251	58	39	,	,	PUNCT
ajbmeb-1251	58	40	service	service	NOUN
ajbmeb-1251	58	41	diversification	diversification	NOUN
ajbmeb-1251	58	42	,	,	PUNCT
ajbmeb-1251	58	43	cost	cost	NOUN
ajbmeb-1251	58	44	reduction	reduction	NOUN
ajbmeb-1251	58	45	,	,	PUNCT
ajbmeb-1251	58	46	efficiency	efficiency	NOUN
ajbmeb-1251	58	47	)	)	PUNCT
ajbmeb-1251	58	48	.	.	PUNCT
ajbmeb-1251	59	1	the	the	DET
ajbmeb-1251	59	2	central	central	ADJ
ajbmeb-1251	59	3	axis	axis	NOUN
ajbmeb-1251	59	4	of	of	ADP
ajbmeb-1251	59	5	these	these	DET
ajbmeb-1251	59	6	processes	process	NOUN
ajbmeb-1251	59	7	revolves	revolve	VERB
ajbmeb-1251	59	8	around	around	ADP
ajbmeb-1251	59	9	dimensions	dimension	NOUN
ajbmeb-1251	59	10	without	without	ADP
ajbmeb-1251	59	11	which	which	PRON
ajbmeb-1251	59	12	there	there	PRON
ajbmeb-1251	59	13	would	would	AUX
ajbmeb-1251	59	14	be	be	AUX
ajbmeb-1251	59	15	no	no	DET
ajbmeb-1251	59	16	effectiveness	effectiveness	NOUN
ajbmeb-1251	59	17	or	or	CCONJ
ajbmeb-1251	59	18	performance	performance	NOUN
ajbmeb-1251	59	19	.	.	PUNCT
ajbmeb-1251	60	1	many	many	ADJ
ajbmeb-1251	60	2	researchers	researcher	NOUN
ajbmeb-1251	60	3	have	have	AUX
ajbmeb-1251	60	4	identified	identify	VERB
ajbmeb-1251	60	5	these	these	DET
ajbmeb-1251	60	6	dimensions	dimension	NOUN
ajbmeb-1251	60	7	according	accord	VERB
ajbmeb-1251	60	8	to	to	ADP
ajbmeb-1251	60	9	their	their	PRON
ajbmeb-1251	60	10	classifications	classification	NOUN
ajbmeb-1251	60	11	,	,	PUNCT
ajbmeb-1251	60	12	with	with	ADP
ajbmeb-1251	60	13	salah	salah	PROPN
ajbmeb-1251	60	14	(	(	PUNCT
ajbmeb-1251	60	15	2011	2011	NUM
ajbmeb-1251	60	16	,	,	PUNCT
ajbmeb-1251	60	17	p.	p.	NOUN
ajbmeb-1251	60	18	20	20	NUM
ajbmeb-1251	60	19	)	)	PUNCT
ajbmeb-1251	60	20	suggesting	suggest	VERB
ajbmeb-1251	60	21	the	the	DET
ajbmeb-1251	60	22	most	most	ADV
ajbmeb-1251	60	23	crucial	crucial	ADJ
ajbmeb-1251	60	24	ones	one	NOUN
ajbmeb-1251	60	25	:	:	PUNCT
ajbmeb-1251	60	26	components	component	NOUN
ajbmeb-1251	60	27	and	and	CCONJ
ajbmeb-1251	60	28	devices	device	NOUN
ajbmeb-1251	60	29	,	,	PUNCT
ajbmeb-1251	60	30	software	software	NOUN
ajbmeb-1251	60	31	,	,	PUNCT
ajbmeb-1251	60	32	applications	application	NOUN
ajbmeb-1251	60	33	,	,	PUNCT
ajbmeb-1251	60	34	communications	communication	NOUN
ajbmeb-1251	60	35	,	,	PUNCT
ajbmeb-1251	60	36	databases	database	NOUN
ajbmeb-1251	60	37	,	,	PUNCT
ajbmeb-1251	60	38	and	and	CCONJ
ajbmeb-1251	60	39	the	the	DET
ajbmeb-1251	60	40	human	human	ADJ
ajbmeb-1251	60	41	resources	resource	NOUN
ajbmeb-1251	60	42	that	that	PRON
ajbmeb-1251	60	43	form	form	VERB
ajbmeb-1251	60	44	the	the	DET
ajbmeb-1251	60	45	foundation	foundation	NOUN
ajbmeb-1251	60	46	of	of	ADP
ajbmeb-1251	60	47	these	these	DET
ajbmeb-1251	60	48	technologies	technology	NOUN
ajbmeb-1251	60	49	.	.	PUNCT
ajbmeb-1251	61	1	rationale	rationale	NOUN
ajbmeb-1251	61	2	for	for	ADP
ajbmeb-1251	61	3	using	use	VERB
ajbmeb-1251	61	4	these	these	DET
ajbmeb-1251	61	5	technologies	technology	NOUN
ajbmeb-1251	61	6	:	:	PUNCT
ajbmeb-1251	61	7	due	due	ADP
ajbmeb-1251	61	8	to	to	ADP
ajbmeb-1251	61	9	the	the	DET
ajbmeb-1251	61	10	deficiency	deficiency	NOUN
ajbmeb-1251	61	11	in	in	ADP
ajbmeb-1251	61	12	adopting	adopt	VERB
ajbmeb-1251	61	13	this	this	DET
ajbmeb-1251	61	14	modern	modern	ADJ
ajbmeb-1251	61	15	culture	culture	NOUN
ajbmeb-1251	61	16	in	in	ADP
ajbmeb-1251	61	17	most	most	ADJ
ajbmeb-1251	61	18	countries	country	NOUN
ajbmeb-1251	61	19	worldwide	worldwide	ADV
ajbmeb-1251	61	20	,	,	PUNCT
ajbmeb-1251	61	21	which	which	PRON
ajbmeb-1251	61	22	have	have	VERB
ajbmeb-1251	61	23	the	the	DET
ajbmeb-1251	61	24	potential	potential	NOUN
ajbmeb-1251	61	25	to	to	PART
ajbmeb-1251	61	26	evolve	evolve	VERB
ajbmeb-1251	61	27	lifestyles	lifestyle	NOUN
ajbmeb-1251	61	28	and	and	CCONJ
ajbmeb-1251	61	29	work	work	NOUN
ajbmeb-1251	61	30	patterns	pattern	NOUN
ajbmeb-1251	61	31	,	,	PUNCT
ajbmeb-1251	61	32	it	it	PRON
ajbmeb-1251	61	33	becomes	become	VERB
ajbmeb-1251	61	34	necessary	necessary	ADJ
ajbmeb-1251	61	35	to	to	PART
ajbmeb-1251	61	36	change	change	VERB
ajbmeb-1251	61	37	the	the	DET
ajbmeb-1251	61	38	nature	nature	NOUN
ajbmeb-1251	61	39	of	of	ADP
ajbmeb-1251	61	40	knowledge	knowledge	NOUN
ajbmeb-1251	61	41	and	and	CCONJ
ajbmeb-1251	61	42	information	information	NOUN
ajbmeb-1251	61	43	within	within	ADP
ajbmeb-1251	61	44	society	society	NOUN
ajbmeb-1251	61	45	.	.	PUNCT
ajbmeb-1251	62	1	moreover	moreover	ADV
ajbmeb-1251	62	2	,	,	PUNCT
ajbmeb-1251	62	3	the	the	DET
ajbmeb-1251	62	4	volume	volume	NOUN
ajbmeb-1251	62	5	of	of	ADP
ajbmeb-1251	62	6	work	work	NOUN
ajbmeb-1251	62	7	and	and	CCONJ
ajbmeb-1251	62	8	information	information	NOUN
ajbmeb-1251	62	9	that	that	PRON
ajbmeb-1251	62	10	requires	require	VERB
ajbmeb-1251	62	11	storage	storage	NOUN
ajbmeb-1251	62	12	,	,	PUNCT
ajbmeb-1251	62	13	preservation	preservation	NOUN
ajbmeb-1251	62	14	,	,	PUNCT
ajbmeb-1251	62	15	updating	updating	NOUN
ajbmeb-1251	62	16	,	,	PUNCT
ajbmeb-1251	62	17	and	and	CCONJ
ajbmeb-1251	62	18	processing	process	VERB
ajbmeb-1251	62	19	through	through	ADP
ajbmeb-1251	62	20	responsive	responsive	ADJ
ajbmeb-1251	62	21	computer	computer	NOUN
ajbmeb-1251	62	22	devices	device	NOUN
ajbmeb-1251	62	23	is	be	AUX
ajbmeb-1251	62	24	significant	significant	ADJ
ajbmeb-1251	62	25	(	(	PUNCT
ajbmeb-1251	62	26	alnawashi	alnawashi	ADJ
ajbmeb-1251	62	27	,	,	PUNCT
ajbmeb-1251	62	28	2010	2010	NUM
ajbmeb-1251	62	29	,	,	PUNCT
ajbmeb-1251	62	30	pp	pp	ADJ
ajbmeb-1251	62	31	.	.	PUNCT
ajbmeb-1251	63	1	22	22	NUM
ajbmeb-1251	63	2	-	-	SYM
ajbmeb-1251	63	3	23	23	NUM
ajbmeb-1251	63	4	)	)	PUNCT
ajbmeb-1251	63	5	.	.	PUNCT
ajbmeb-1251	64	1	electronic	electronic	ADJ
ajbmeb-1251	64	2	banking	banking	NOUN
ajbmeb-1251	64	3	operations	operation	NOUN
ajbmeb-1251	64	4	:	:	PUNCT
ajbmeb-1251	64	5	the	the	DET
ajbmeb-1251	64	6	banking	banking	NOUN
ajbmeb-1251	64	7	sector	sector	NOUN
ajbmeb-1251	64	8	holds	hold	VERB
ajbmeb-1251	64	9	a	a	DET
ajbmeb-1251	64	10	crucial	crucial	ADJ
ajbmeb-1251	64	11	position	position	NOUN
ajbmeb-1251	64	12	in	in	ADP
ajbmeb-1251	64	13	the	the	DET
ajbmeb-1251	64	14	country	country	NOUN
ajbmeb-1251	64	15	’s	’s	PART
ajbmeb-1251	64	16	economy	economy	NOUN
ajbmeb-1251	64	17	,	,	PUNCT
ajbmeb-1251	64	18	particularly	particularly	ADV
ajbmeb-1251	64	19	in	in	ADP
ajbmeb-1251	64	20	light	light	NOUN
ajbmeb-1251	64	21	of	of	ADP
ajbmeb-1251	64	22	the	the	DET
ajbmeb-1251	64	23	information	information	NOUN
ajbmeb-1251	64	24	revolution	revolution	NOUN
ajbmeb-1251	64	25	and	and	CCONJ
ajbmeb-1251	64	26	the	the	DET
ajbmeb-1251	64	27	growth	growth	NOUN
ajbmeb-1251	64	28	of	of	ADP
ajbmeb-1251	64	29	electronic	electronic	ADJ
ajbmeb-1251	64	30	commerce	commerce	NOUN
ajbmeb-1251	64	31	and	and	CCONJ
ajbmeb-1251	64	32	artificial	artificial	ADJ
ajbmeb-1251	64	33	intelligence	intelligence	NOUN
ajbmeb-1251	64	34	programs	program	NOUN
ajbmeb-1251	64	35	.	.	PUNCT
ajbmeb-1251	65	1	banks	bank	NOUN
ajbmeb-1251	65	2	have	have	AUX
ajbmeb-1251	65	3	undergone	undergo	VERB
ajbmeb-1251	65	4	a	a	DET
ajbmeb-1251	65	5	significant	significant	ADJ
ajbmeb-1251	65	6	transformation	transformation	NOUN
ajbmeb-1251	65	7	in	in	ADP
ajbmeb-1251	65	8	the	the	DET
ajbmeb-1251	65	9	services	service	NOUN
ajbmeb-1251	65	10	they	they	PRON
ajbmeb-1251	65	11	provide	provide	VERB
ajbmeb-1251	65	12	,	,	PUNCT
ajbmeb-1251	65	13	which	which	PRON
ajbmeb-1251	65	14	can	can	AUX
ajbmeb-1251	65	15	be	be	AUX
ajbmeb-1251	65	16	described	describe	VERB
ajbmeb-1251	65	17	as	as	ADP
ajbmeb-1251	65	18	a	a	DET
ajbmeb-1251	65	19	range	range	NOUN
ajbmeb-1251	65	20	of	of	ADP
ajbmeb-1251	65	21	beneficial	beneficial	ADJ
ajbmeb-1251	65	22	activities	activity	NOUN
ajbmeb-1251	65	23	,	,	PUNCT
ajbmeb-1251	65	24	processes	process	NOUN
ajbmeb-1251	65	25	,	,	PUNCT
ajbmeb-1251	65	26	and	and	CCONJ
ajbmeb-1251	65	27	banking	banking	NOUN
ajbmeb-1251	65	28	services	service	NOUN
ajbmeb-1251	65	29	accessible	accessible	ADJ
ajbmeb-1251	65	30	through	through	ADP
ajbmeb-1251	65	31	online	online	ADJ
ajbmeb-1251	65	32	platforms	platform	NOUN
ajbmeb-1251	65	33	american	american	PROPN
ajbmeb-1251	65	34	journal	journal	PROPN
ajbmeb-1251	65	35	of	of	ADP
ajbmeb-1251	65	36	business	business	NOUN
ajbmeb-1251	65	37	management	management	NOUN
ajbmeb-1251	65	38	,	,	PUNCT
ajbmeb-1251	65	39	economics	economic	NOUN
ajbmeb-1251	65	40	and	and	CCONJ
ajbmeb-1251	65	41	banking	banking	NOUN
ajbmeb-1251	65	42	volume	volume	NOUN
ajbmeb-1251	65	43	16	16	NUM
ajbmeb-1251	65	44	sep	sep	PROPN
ajbmeb-1251	65	45	,	,	PUNCT
ajbmeb-1251	65	46	2023	2023	NUM
ajbmeb-1251	65	47	p	p	NOUN
ajbmeb-1251	65	48	a	a	DET
ajbmeb-1251	65	49	g	g	NOUN
ajbmeb-1251	65	50	e	e	PROPN
ajbmeb-1251	65	51	|	|	NOUN
ajbmeb-1251	65	52	235	235	NUM
ajbmeb-1251	65	53	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1251	65	54	and	and	CCONJ
ajbmeb-1251	65	55	modern	modern	ADJ
ajbmeb-1251	65	56	channels	channel	NOUN
ajbmeb-1251	65	57	.	.	PUNCT
ajbmeb-1251	66	1	these	these	DET
ajbmeb-1251	66	2	tools	tool	NOUN
ajbmeb-1251	66	3	enable	enable	VERB
ajbmeb-1251	66	4	customers	customer	NOUN
ajbmeb-1251	66	5	to	to	PART
ajbmeb-1251	66	6	efficiently	efficiently	ADV
ajbmeb-1251	66	7	and	and	CCONJ
ajbmeb-1251	66	8	accurately	accurately	ADV
ajbmeb-1251	66	9	carry	carry	VERB
ajbmeb-1251	66	10	out	out	ADP
ajbmeb-1251	66	11	their	their	PRON
ajbmeb-1251	66	12	banking	banking	NOUN
ajbmeb-1251	66	13	transactions	transaction	NOUN
ajbmeb-1251	66	14	,	,	PUNCT
ajbmeb-1251	66	15	fulfilling	fulfil	VERB
ajbmeb-1251	66	16	both	both	CCONJ
ajbmeb-1251	66	17	their	their	PRON
ajbmeb-1251	66	18	current	current	ADJ
ajbmeb-1251	66	19	and	and	CCONJ
ajbmeb-1251	66	20	future	future	ADJ
ajbmeb-1251	66	21	financial	financial	ADJ
ajbmeb-1251	66	22	needs	need	NOUN
ajbmeb-1251	66	23	(	(	PUNCT
ajbmeb-1251	66	24	keivani	keivani	PROPN
ajbmeb-1251	66	25	et	et	PROPN
ajbmeb-1251	66	26	al	al	PROPN
ajbmeb-1251	66	27	,	,	PUNCT
ajbmeb-1251	66	28	2012	2012	NUM
ajbmeb-1251	66	29	,	,	PUNCT
ajbmeb-1251	66	30	p.	p.	NOUN
ajbmeb-1251	66	31	62	62	NUM
ajbmeb-1251	66	32	)	)	PUNCT
ajbmeb-1251	66	33	.	.	PUNCT
ajbmeb-1251	67	1	a	a	DET
ajbmeb-1251	67	2	study	study	NOUN
ajbmeb-1251	67	3	conducted	conduct	VERB
ajbmeb-1251	67	4	by	by	ADP
ajbmeb-1251	67	5	takele	takele	PROPN
ajbmeb-1251	67	6	and	and	CCONJ
ajbmeb-1251	67	7	sira	sira	PROPN
ajbmeb-1251	67	8	(	(	PUNCT
ajbmeb-1251	67	9	2013	2013	NUM
ajbmeb-1251	67	10	,	,	PUNCT
ajbmeb-1251	67	11	p.	p.	NOUN
ajbmeb-1251	67	12	402	402	NUM
ajbmeb-1251	67	13	)	)	PUNCT
ajbmeb-1251	67	14	has	have	AUX
ajbmeb-1251	67	15	elucidated	elucidate	VERB
ajbmeb-1251	67	16	these	these	DET
ajbmeb-1251	67	17	mechanisms	mechanism	NOUN
ajbmeb-1251	67	18	as	as	ADP
ajbmeb-1251	67	19	the	the	DET
ajbmeb-1251	67	20	means	mean	NOUN
ajbmeb-1251	67	21	by	by	ADP
ajbmeb-1251	67	22	which	which	PRON
ajbmeb-1251	67	23	customers	customer	NOUN
ajbmeb-1251	67	24	may	may	AUX
ajbmeb-1251	67	25	consummate	consummate	VERB
ajbmeb-1251	67	26	their	their	PRON
ajbmeb-1251	67	27	transactions	transaction	NOUN
ajbmeb-1251	67	28	with	with	ADP
ajbmeb-1251	67	29	financial	financial	ADJ
ajbmeb-1251	67	30	institutions	institution	NOUN
ajbmeb-1251	67	31	and	and	CCONJ
ajbmeb-1251	67	32	avail	avail	VERB
ajbmeb-1251	67	33	themselves	themselves	PRON
ajbmeb-1251	67	34	of	of	ADP
ajbmeb-1251	67	35	electronic	electronic	ADJ
ajbmeb-1251	67	36	communication	communication	NOUN
ajbmeb-1251	67	37	channels	channel	NOUN
ajbmeb-1251	67	38	,	,	PUNCT
ajbmeb-1251	67	39	encompassing	encompass	VERB
ajbmeb-1251	67	40	automated	automate	VERB
ajbmeb-1251	67	41	teller	teller	NOUN
ajbmeb-1251	67	42	machines	machine	NOUN
ajbmeb-1251	67	43	(	(	PUNCT
ajbmeb-1251	67	44	atms	atms	PROPN
ajbmeb-1251	67	45	)	)	PUNCT
ajbmeb-1251	67	46	,	,	PUNCT
ajbmeb-1251	67	47	mobile	mobile	ADJ
ajbmeb-1251	67	48	phone	phone	NOUN
ajbmeb-1251	67	49	banking	banking	NOUN
ajbmeb-1251	67	50	,	,	PUNCT
ajbmeb-1251	67	51	and	and	CCONJ
ajbmeb-1251	67	52	internet	internet	NOUN
ajbmeb-1251	67	53	banking	banking	NOUN
ajbmeb-1251	67	54	.	.	PUNCT
ajbmeb-1251	68	1	conversely	conversely	ADV
ajbmeb-1251	68	2	,	,	PUNCT
ajbmeb-1251	68	3	it	it	PRON
ajbmeb-1251	68	4	is	be	AUX
ajbmeb-1251	68	5	conceivable	conceivable	ADJ
ajbmeb-1251	68	6	to	to	PART
ajbmeb-1251	68	7	articulate	articulate	VERB
ajbmeb-1251	68	8	this	this	DET
ajbmeb-1251	68	9	concept	concept	NOUN
ajbmeb-1251	68	10	as	as	ADP
ajbmeb-1251	68	11	a	a	DET
ajbmeb-1251	68	12	sequence	sequence	NOUN
ajbmeb-1251	68	13	of	of	ADP
ajbmeb-1251	68	14	processes	process	NOUN
ajbmeb-1251	68	15	executed	execute	VERB
ajbmeb-1251	68	16	through	through	ADP
ajbmeb-1251	68	17	the	the	DET
ajbmeb-1251	68	18	medium	medium	NOUN
ajbmeb-1251	68	19	of	of	ADP
ajbmeb-1251	68	20	the	the	DET
ajbmeb-1251	68	21	internet	internet	NOUN
ajbmeb-1251	68	22	,	,	PUNCT
ajbmeb-1251	68	23	exemplified	exemplify	VERB
ajbmeb-1251	68	24	by	by	ADP
ajbmeb-1251	68	25	virtual	virtual	ADJ
ajbmeb-1251	68	26	financial	financial	ADJ
ajbmeb-1251	68	27	institutions	institution	NOUN
ajbmeb-1251	68	28	delivering	deliver	VERB
ajbmeb-1251	68	29	services	service	NOUN
ajbmeb-1251	68	30	via	via	ADP
ajbmeb-1251	68	31	online	online	ADJ
ajbmeb-1251	68	32	platforms	platform	NOUN
ajbmeb-1251	68	33	,	,	PUNCT
ajbmeb-1251	68	34	thus	thus	ADV
ajbmeb-1251	68	35	obviating	obviate	VERB
ajbmeb-1251	68	36	the	the	DET
ajbmeb-1251	68	37	necessity	necessity	NOUN
ajbmeb-1251	68	38	for	for	SCONJ
ajbmeb-1251	68	39	customers	customer	NOUN
ajbmeb-1251	68	40	to	to	PART
ajbmeb-1251	68	41	physically	physically	ADV
ajbmeb-1251	68	42	visit	visit	VERB
ajbmeb-1251	68	43	brick	brick	NOUN
ajbmeb-1251	68	44	-	-	PUNCT
ajbmeb-1251	68	45	and	and	CCONJ
ajbmeb-1251	68	46	-	-	PUNCT
ajbmeb-1251	68	47	mortar	mortar	NOUN
ajbmeb-1251	68	48	establishments	establishment	NOUN
ajbmeb-1251	68	49	(	(	PUNCT
ajbmeb-1251	68	50	siam	siam	NOUN
ajbmeb-1251	68	51	,	,	PUNCT
ajbmeb-1251	68	52	2006	2006	NUM
ajbmeb-1251	68	53	)	)	PUNCT
ajbmeb-1251	68	54	.	.	PUNCT
ajbmeb-1251	69	1	electronic	electronic	ADJ
ajbmeb-1251	69	2	banking	banking	NOUN
ajbmeb-1251	69	3	services	service	NOUN
ajbmeb-1251	69	4	are	be	AUX
ajbmeb-1251	69	5	characterized	characterize	VERB
ajbmeb-1251	69	6	by	by	ADP
ajbmeb-1251	69	7	their	their	PRON
ajbmeb-1251	69	8	lack	lack	NOUN
ajbmeb-1251	69	9	of	of	ADP
ajbmeb-1251	69	10	time	time	NOUN
ajbmeb-1251	69	11	restrictions	restriction	NOUN
ajbmeb-1251	69	12	,	,	PUNCT
ajbmeb-1251	69	13	ease	ease	NOUN
ajbmeb-1251	69	14	of	of	ADP
ajbmeb-1251	69	15	communication	communication	NOUN
ajbmeb-1251	69	16	,	,	PUNCT
ajbmeb-1251	69	17	provision	provision	NOUN
ajbmeb-1251	69	18	of	of	ADP
ajbmeb-1251	69	19	new	new	ADJ
ajbmeb-1251	69	20	integrated	integrate	VERB
ajbmeb-1251	69	21	services	service	NOUN
ajbmeb-1251	69	22	,	,	PUNCT
ajbmeb-1251	69	23	cost	cost	NOUN
ajbmeb-1251	69	24	reduction	reduction	NOUN
ajbmeb-1251	69	25	,	,	PUNCT
ajbmeb-1251	69	26	and	and	CCONJ
ajbmeb-1251	69	27	speed	speed	NOUN
ajbmeb-1251	69	28	of	of	ADP
ajbmeb-1251	69	29	conducting	conduct	VERB
ajbmeb-1251	69	30	banking	banking	NOUN
ajbmeb-1251	69	31	transactions	transaction	NOUN
ajbmeb-1251	69	32	(	(	PUNCT
ajbmeb-1251	69	33	hajira	hajira	PROPN
ajbmeb-1251	69	34	,	,	PUNCT
ajbmeb-1251	69	35	2022	2022	NUM
ajbmeb-1251	69	36	,	,	PUNCT
ajbmeb-1251	69	37	p.	p.	NOUN
ajbmeb-1251	69	38	130	130	NUM
ajbmeb-1251	69	39	)	)	PUNCT
ajbmeb-1251	69	40	.	.	PUNCT
ajbmeb-1251	70	1	types	type	NOUN
ajbmeb-1251	70	2	of	of	ADP
ajbmeb-1251	70	3	banking	banking	NOUN
ajbmeb-1251	70	4	services	service	NOUN
ajbmeb-1251	70	5	associated	associate	VERB
ajbmeb-1251	70	6	with	with	ADP
ajbmeb-1251	70	7	banking	banking	NOUN
ajbmeb-1251	70	8	technologies	technology	NOUN
ajbmeb-1251	70	9	and	and	CCONJ
ajbmeb-1251	70	10	technological	technological	ADJ
ajbmeb-1251	70	11	advancements	advancement	NOUN
ajbmeb-1251	70	12	:	:	PUNCT
ajbmeb-1251	70	13	these	these	PRON
ajbmeb-1251	70	14	can	can	AUX
ajbmeb-1251	70	15	be	be	AUX
ajbmeb-1251	70	16	divided	divide	VERB
ajbmeb-1251	70	17	into	into	ADP
ajbmeb-1251	70	18	electronic	electronic	ADJ
ajbmeb-1251	70	19	distribution	distribution	NOUN
ajbmeb-1251	70	20	points	point	NOUN
ajbmeb-1251	70	21	and	and	CCONJ
ajbmeb-1251	70	22	electronic	electronic	ADJ
ajbmeb-1251	70	23	payment	payment	NOUN
ajbmeb-1251	70	24	methods	method	NOUN
ajbmeb-1251	70	25	as	as	SCONJ
ajbmeb-1251	70	26	follows	follow	VERB
ajbmeb-1251	70	27	(	(	PUNCT
ajbmeb-1251	70	28	soleman	soleman	ADJ
ajbmeb-1251	70	29	,	,	PUNCT
ajbmeb-1251	70	30	2013	2013	NUM
ajbmeb-1251	70	31	,	,	PUNCT
ajbmeb-1251	70	32	p.	p.	NOUN
ajbmeb-1251	70	33	21	21	NUM
ajbmeb-1251	70	34	):	):	PUNCT
ajbmeb-1251	70	35	electronic	electronic	ADJ
ajbmeb-1251	70	36	distribution	distribution	NOUN
ajbmeb-1251	70	37	points	point	NOUN
ajbmeb-1251	70	38	:	:	PUNCT
ajbmeb-1251	70	39	atm	atm	PROPN
ajbmeb-1251	70	40	service	service	NOUN
ajbmeb-1251	70	41	.	.	PUNCT
ajbmeb-1251	71	1	phone	phone	NOUN
ajbmeb-1251	71	2	banking	banking	NOUN
ajbmeb-1251	71	3	.	.	PUNCT
ajbmeb-1251	72	1	call	call	NOUN
ajbmeb-1251	72	2	centers	center	NOUN
ajbmeb-1251	72	3	.	.	PUNCT
ajbmeb-1251	73	1	short	short	ADJ
ajbmeb-1251	73	2	message	message	NOUN
ajbmeb-1251	73	3	service	service	NOUN
ajbmeb-1251	73	4	(	(	PUNCT
ajbmeb-1251	73	5	sms	sms	PROPN
ajbmeb-1251	73	6	)	)	PUNCT
ajbmeb-1251	73	7	.	.	PUNCT
ajbmeb-1251	74	1	point	point	NOUN
ajbmeb-1251	74	2	of	of	ADP
ajbmeb-1251	74	3	sale	sale	NOUN
ajbmeb-1251	74	4	service	service	NOUN
ajbmeb-1251	74	5	.	.	PUNCT
ajbmeb-1251	75	1	internet	internet	NOUN
ajbmeb-1251	75	2	banking	banking	NOUN
ajbmeb-1251	75	3	service	service	NOUN
ajbmeb-1251	75	4	.	.	PUNCT
ajbmeb-1251	76	1	electronic	electronic	ADJ
ajbmeb-1251	76	2	payment	payment	NOUN
ajbmeb-1251	76	3	methods	method	NOUN
ajbmeb-1251	76	4	:	:	PUNCT
ajbmeb-1251	76	5	the	the	DET
ajbmeb-1251	76	6	payment	payment	NOUN
ajbmeb-1251	76	7	system	system	NOUN
ajbmeb-1251	76	8	within	within	ADP
ajbmeb-1251	76	9	the	the	DET
ajbmeb-1251	76	10	framework	framework	NOUN
ajbmeb-1251	76	11	of	of	ADP
ajbmeb-1251	76	12	international	international	ADJ
ajbmeb-1251	76	13	banking	banking	NOUN
ajbmeb-1251	76	14	operations	operation	NOUN
ajbmeb-1251	76	15	has	have	AUX
ajbmeb-1251	76	16	undergone	undergo	VERB
ajbmeb-1251	76	17	a	a	DET
ajbmeb-1251	76	18	transformation	transformation	NOUN
ajbmeb-1251	76	19	from	from	ADP
ajbmeb-1251	76	20	tangible	tangible	ADJ
ajbmeb-1251	76	21	currency	currency	NOUN
ajbmeb-1251	76	22	and	and	CCONJ
ajbmeb-1251	76	23	paper	paper	NOUN
ajbmeb-1251	76	24	-	-	PUNCT
ajbmeb-1251	76	25	based	base	VERB
ajbmeb-1251	76	26	methods	method	NOUN
ajbmeb-1251	76	27	to	to	PART
ajbmeb-1251	76	28	expeditious	expeditious	ADJ
ajbmeb-1251	76	29	and	and	CCONJ
ajbmeb-1251	76	30	dependable	dependable	ADJ
ajbmeb-1251	76	31	electronic	electronic	ADJ
ajbmeb-1251	76	32	protocols	protocol	NOUN
ajbmeb-1251	76	33	(	(	PUNCT
ajbmeb-1251	76	34	premchand	premchand	NOUN
ajbmeb-1251	76	35	&	&	CCONJ
ajbmeb-1251	76	36	choudhry	choudhry	PROPN
ajbmeb-1251	76	37	,	,	PUNCT
ajbmeb-1251	76	38	2015	2015	NUM
ajbmeb-1251	76	39	,	,	PUNCT
ajbmeb-1251	76	40	p.	p.	NOUN
ajbmeb-1251	76	41	110	110	NUM
ajbmeb-1251	76	42	)	)	PUNCT
ajbmeb-1251	76	43	.	.	PUNCT
ajbmeb-1251	77	1	electronic	electronic	ADJ
ajbmeb-1251	77	2	payment	payment	NOUN
ajbmeb-1251	77	3	systems	system	NOUN
ajbmeb-1251	77	4	are	be	AUX
ajbmeb-1251	77	5	characterized	characterize	VERB
ajbmeb-1251	77	6	as	as	ADP
ajbmeb-1251	77	7	service	service	NOUN
ajbmeb-1251	77	8	mechanisms	mechanism	NOUN
ajbmeb-1251	77	9	wherein	wherein	SCONJ
ajbmeb-1251	77	10	the	the	DET
ajbmeb-1251	77	11	utilization	utilization	NOUN
ajbmeb-1251	77	12	of	of	ADP
ajbmeb-1251	77	13	technology	technology	NOUN
ajbmeb-1251	77	14	,	,	PUNCT
ajbmeb-1251	77	15	communication	communication	NOUN
ajbmeb-1251	77	16	infrastructure	infrastructure	NOUN
ajbmeb-1251	77	17	,	,	PUNCT
ajbmeb-1251	77	18	and	and	CCONJ
ajbmeb-1251	77	19	information	information	NOUN
ajbmeb-1251	77	20	assets	asset	NOUN
ajbmeb-1251	77	21	converges	converge	VERB
ajbmeb-1251	77	22	to	to	PART
ajbmeb-1251	77	23	facilitate	facilitate	VERB
ajbmeb-1251	77	24	the	the	DET
ajbmeb-1251	77	25	electronic	electronic	ADJ
ajbmeb-1251	77	26	transfer	transfer	NOUN
ajbmeb-1251	77	27	of	of	ADP
ajbmeb-1251	77	28	monetary	monetary	ADJ
ajbmeb-1251	77	29	assets	asset	NOUN
ajbmeb-1251	77	30	from	from	ADP
ajbmeb-1251	77	31	one	one	NUM
ajbmeb-1251	77	32	financial	financial	ADJ
ajbmeb-1251	77	33	account	account	NOUN
ajbmeb-1251	77	34	to	to	ADP
ajbmeb-1251	77	35	another	another	PRON
ajbmeb-1251	77	36	(	(	PUNCT
ajbmeb-1251	77	37	moertini	moertini	X
ajbmeb-1251	77	38	et	et	PROPN
ajbmeb-1251	77	39	a	a	PRON
ajbmeb-1251	77	40	,	,	PUNCT
ajbmeb-1251	77	41	2011,p	2011,p	NOUN
ajbmeb-1251	77	42	.	.	PUNCT
ajbmeb-1251	78	1	17	17	NUM
ajbmeb-1251	78	2	)	)	PUNCT
ajbmeb-1251	78	3	.	.	PUNCT
ajbmeb-1251	79	1	the	the	DET
ajbmeb-1251	79	2	european	european	PROPN
ajbmeb-1251	79	3	central	central	PROPN
ajbmeb-1251	79	4	bank	bank	PROPN
ajbmeb-1251	79	5	also	also	ADV
ajbmeb-1251	79	6	defines	define	VERB
ajbmeb-1251	79	7	it	it	PRON
ajbmeb-1251	79	8	as	as	ADP
ajbmeb-1251	79	9	the	the	DET
ajbmeb-1251	79	10	process	process	NOUN
ajbmeb-1251	79	11	of	of	ADP
ajbmeb-1251	79	12	electronically	electronically	ADV
ajbmeb-1251	79	13	transferring	transfer	VERB
ajbmeb-1251	79	14	transactions	transaction	NOUN
ajbmeb-1251	79	15	by	by	ADP
ajbmeb-1251	79	16	transmitting	transmit	VERB
ajbmeb-1251	79	17	data	datum	NOUN
ajbmeb-1251	79	18	from	from	ADP
ajbmeb-1251	79	19	one	one	NUM
ajbmeb-1251	79	20	party	party	NOUN
ajbmeb-1251	79	21	to	to	ADP
ajbmeb-1251	79	22	another	another	PRON
ajbmeb-1251	79	23	,	,	PUNCT
ajbmeb-1251	79	24	processed	process	VERB
ajbmeb-1251	79	25	through	through	ADP
ajbmeb-1251	79	26	an	an	DET
ajbmeb-1251	79	27	intermediary	intermediary	NOUN
ajbmeb-1251	79	28	(	(	PUNCT
ajbmeb-1251	79	29	processing	processing	NOUN
ajbmeb-1251	79	30	systems	system	NOUN
ajbmeb-1251	79	31	)	)	PUNCT
ajbmeb-1251	79	32	.	.	PUNCT
ajbmeb-1251	80	1	electronic	electronic	ADJ
ajbmeb-1251	80	2	payments	payment	NOUN
ajbmeb-1251	80	3	are	be	AUX
ajbmeb-1251	80	4	carried	carry	VERB
ajbmeb-1251	80	5	out	out	ADP
ajbmeb-1251	80	6	using	use	VERB
ajbmeb-1251	80	7	a	a	DET
ajbmeb-1251	80	8	variety	variety	NOUN
ajbmeb-1251	80	9	of	of	ADP
ajbmeb-1251	80	10	methods	method	NOUN
ajbmeb-1251	80	11	:	:	PUNCT
ajbmeb-1251	80	12	electronic	electronic	ADJ
ajbmeb-1251	80	13	funds	fund	NOUN
ajbmeb-1251	80	14	transfer	transfer	NOUN
ajbmeb-1251	80	15	.	.	PUNCT
ajbmeb-1251	81	1	debit	debit	NOUN
ajbmeb-1251	81	2	card	card	NOUN
ajbmeb-1251	81	3	.	.	PUNCT
ajbmeb-1251	82	1	electronic	electronic	ADJ
ajbmeb-1251	82	2	money	money	NOUN
ajbmeb-1251	82	3	(	(	PUNCT
ajbmeb-1251	82	4	digital	digital	ADJ
ajbmeb-1251	82	5	currency	currency	NOUN
ajbmeb-1251	82	6	)	)	PUNCT
ajbmeb-1251	82	7	.	.	PUNCT
ajbmeb-1251	83	1	banking	banking	NOUN
ajbmeb-1251	83	2	profitability	profitability	NOUN
ajbmeb-1251	83	3	:	:	PUNCT
ajbmeb-1251	83	4	the	the	DET
ajbmeb-1251	83	5	concept	concept	NOUN
ajbmeb-1251	83	6	of	of	ADP
ajbmeb-1251	83	7	profitability	profitability	NOUN
ajbmeb-1251	83	8	holds	hold	VERB
ajbmeb-1251	83	9	a	a	DET
ajbmeb-1251	83	10	significant	significant	ADJ
ajbmeb-1251	83	11	place	place	NOUN
ajbmeb-1251	83	12	in	in	ADP
ajbmeb-1251	83	13	various	various	ADJ
ajbmeb-1251	83	14	business	business	NOUN
ajbmeb-1251	83	15	operations	operation	NOUN
ajbmeb-1251	83	16	,	,	PUNCT
ajbmeb-1251	83	17	especially	especially	ADV
ajbmeb-1251	83	18	for	for	ADP
ajbmeb-1251	83	19	financial	financial	ADJ
ajbmeb-1251	83	20	companies	company	NOUN
ajbmeb-1251	83	21	,	,	PUNCT
ajbmeb-1251	83	22	where	where	SCONJ
ajbmeb-1251	83	23	it	it	PRON
ajbmeb-1251	83	24	signifies	signify	VERB
ajbmeb-1251	83	25	operational	operational	ADJ
ajbmeb-1251	83	26	efficiency	efficiency	NOUN
ajbmeb-1251	83	27	.	.	PUNCT
ajbmeb-1251	84	1	profitability	profitability	NOUN
ajbmeb-1251	84	2	is	be	AUX
ajbmeb-1251	84	3	considered	consider	VERB
ajbmeb-1251	84	4	a	a	DET
ajbmeb-1251	84	5	reason	reason	NOUN
ajbmeb-1251	84	6	for	for	ADP
ajbmeb-1251	84	7	american	american	ADJ
ajbmeb-1251	84	8	journal	journal	PROPN
ajbmeb-1251	84	9	of	of	ADP
ajbmeb-1251	84	10	business	business	NOUN
ajbmeb-1251	84	11	management	management	NOUN
ajbmeb-1251	84	12	,	,	PUNCT
ajbmeb-1251	84	13	economics	economic	NOUN
ajbmeb-1251	84	14	and	and	CCONJ
ajbmeb-1251	84	15	banking	banking	NOUN
ajbmeb-1251	84	16	volume	volume	NOUN
ajbmeb-1251	84	17	16	16	NUM
ajbmeb-1251	84	18	sep	sep	PROPN
ajbmeb-1251	84	19	,	,	PUNCT
ajbmeb-1251	84	20	2023	2023	NUM
ajbmeb-1251	84	21	p	p	NOUN
ajbmeb-1251	84	22	a	a	DET
ajbmeb-1251	84	23	g	g	NOUN
ajbmeb-1251	84	24	e	e	NOUN
ajbmeb-1251	84	25	|	|	NOUN
ajbmeb-1251	84	26	236	236	NUM
ajbmeb-1251	84	27	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1251	84	28	the	the	DET
ajbmeb-1251	84	29	existence	existence	NOUN
ajbmeb-1251	84	30	of	of	ADP
ajbmeb-1251	84	31	organizations	organization	NOUN
ajbmeb-1251	84	32	striving	strive	VERB
ajbmeb-1251	84	33	for	for	ADP
ajbmeb-1251	84	34	profit	profit	NOUN
ajbmeb-1251	84	35	,	,	PUNCT
ajbmeb-1251	84	36	and	and	CCONJ
ajbmeb-1251	84	37	prominent	prominent	ADJ
ajbmeb-1251	84	38	among	among	ADP
ajbmeb-1251	84	39	these	these	DET
ajbmeb-1251	84	40	organizations	organization	NOUN
ajbmeb-1251	84	41	are	be	AUX
ajbmeb-1251	84	42	banks	bank	NOUN
ajbmeb-1251	84	43	(	(	PUNCT
ajbmeb-1251	84	44	al	al	PROPN
ajbmeb-1251	84	45	-	-	PUNCT
ajbmeb-1251	84	46	qaisi	qaisi	PROPN
ajbmeb-1251	84	47	&	&	CCONJ
ajbmeb-1251	84	48	al	al	PROPN
ajbmeb-1251	84	49	-	-	PUNCT
ajbmeb-1251	84	50	taie	taie	PROPN
ajbmeb-1251	84	51	,	,	PUNCT
ajbmeb-1251	84	52	2023	2023	NUM
ajbmeb-1251	84	53	,	,	PUNCT
ajbmeb-1251	84	54	p.	p.	NOUN
ajbmeb-1251	84	55	235	235	NUM
ajbmeb-1251	84	56	)	)	PUNCT
ajbmeb-1251	84	57	.	.	PUNCT
ajbmeb-1251	85	1	profitability	profitability	NOUN
ajbmeb-1251	85	2	,	,	PUNCT
ajbmeb-1251	85	3	in	in	ADP
ajbmeb-1251	85	4	the	the	DET
ajbmeb-1251	85	5	form	form	NOUN
ajbmeb-1251	85	6	of	of	ADP
ajbmeb-1251	85	7	retained	retain	VERB
ajbmeb-1251	85	8	earnings	earning	NOUN
ajbmeb-1251	85	9	,	,	PUNCT
ajbmeb-1251	85	10	is	be	AUX
ajbmeb-1251	85	11	one	one	NUM
ajbmeb-1251	85	12	of	of	ADP
ajbmeb-1251	85	13	the	the	DET
ajbmeb-1251	85	14	primary	primary	ADJ
ajbmeb-1251	85	15	sources	source	NOUN
ajbmeb-1251	85	16	for	for	ADP
ajbmeb-1251	85	17	generating	generate	VERB
ajbmeb-1251	85	18	capital	capital	NOUN
ajbmeb-1251	85	19	.	.	PUNCT
ajbmeb-1251	86	1	a	a	DET
ajbmeb-1251	86	2	sound	sound	ADJ
ajbmeb-1251	86	3	banking	banking	NOUN
ajbmeb-1251	86	4	system	system	NOUN
ajbmeb-1251	86	5	relies	rely	VERB
ajbmeb-1251	86	6	on	on	ADP
ajbmeb-1251	86	7	profitable	profitable	ADJ
ajbmeb-1251	86	8	banks	bank	NOUN
ajbmeb-1251	86	9	with	with	ADP
ajbmeb-1251	86	10	sufficient	sufficient	ADJ
ajbmeb-1251	86	11	capital	capital	NOUN
ajbmeb-1251	86	12	(	(	PUNCT
ajbmeb-1251	86	13	al	al	PROPN
ajbmeb-1251	86	14	-	-	PUNCT
ajbmeb-1251	86	15	karawi	karawi	PROPN
ajbmeb-1251	86	16	,	,	PUNCT
ajbmeb-1251	86	17	2009	2009	NUM
ajbmeb-1251	86	18	,	,	PUNCT
ajbmeb-1251	86	19	p.	p.	NOUN
ajbmeb-1251	86	20	5	5	NUM
ajbmeb-1251	86	21	)	)	PUNCT
ajbmeb-1251	86	22	.	.	PUNCT
ajbmeb-1251	87	1	the	the	DET
ajbmeb-1251	87	2	concept	concept	NOUN
ajbmeb-1251	87	3	of	of	ADP
ajbmeb-1251	87	4	profitability	profitability	NOUN
ajbmeb-1251	87	5	derives	derive	VERB
ajbmeb-1251	87	6	from	from	ADP
ajbmeb-1251	87	7	two	two	NUM
ajbmeb-1251	87	8	words	word	NOUN
ajbmeb-1251	87	9	,	,	PUNCT
ajbmeb-1251	87	10	“	"	PUNCT
ajbmeb-1251	87	11	profit	profit	NOUN
ajbmeb-1251	87	12	”	"	PUNCT
ajbmeb-1251	87	13	and	and	CCONJ
ajbmeb-1251	87	14	“	"	PUNCT
ajbmeb-1251	87	15	ability	ability	NOUN
ajbmeb-1251	87	16	.	.	PUNCT
ajbmeb-1251	87	17	”	"	PUNCT
ajbmeb-1251	88	1	profit	profit	NOUN
ajbmeb-1251	88	2	represents	represent	VERB
ajbmeb-1251	88	3	the	the	DET
ajbmeb-1251	88	4	total	total	ADJ
ajbmeb-1251	88	5	income	income	NOUN
ajbmeb-1251	88	6	generated	generate	VERB
ajbmeb-1251	88	7	from	from	ADP
ajbmeb-1251	88	8	business	business	NOUN
ajbmeb-1251	88	9	activities	activity	NOUN
ajbmeb-1251	88	10	during	during	ADP
ajbmeb-1251	88	11	a	a	DET
ajbmeb-1251	88	12	specific	specific	ADJ
ajbmeb-1251	88	13	period	period	NOUN
ajbmeb-1251	88	14	(	(	PUNCT
ajbmeb-1251	88	15	al	al	PROPN
ajbmeb-1251	88	16	-	-	PUNCT
ajbmeb-1251	88	17	jua’any	jua’any	PROPN
ajbmeb-1251	88	18	&	&	CCONJ
ajbmeb-1251	88	19	al	al	PROPN
ajbmeb-1251	88	20	-	-	PUNCT
ajbmeb-1251	88	21	shimmary	shimmary	ADJ
ajbmeb-1251	88	22	,	,	PUNCT
ajbmeb-1251	88	23	2021	2021	NUM
ajbmeb-1251	88	24	,	,	PUNCT
ajbmeb-1251	88	25	p.	p.	NOUN
ajbmeb-1251	88	26	128	128	NUM
ajbmeb-1251	88	27	)	)	PUNCT
ajbmeb-1251	88	28	.	.	PUNCT
ajbmeb-1251	89	1	concurrently	concurrently	ADV
ajbmeb-1251	89	2	,	,	PUNCT
ajbmeb-1251	89	3	"	"	PUNCT
ajbmeb-1251	89	4	ability	ability	NOUN
ajbmeb-1251	89	5	"	"	PUNCT
ajbmeb-1251	89	6	denotes	denote	VERB
ajbmeb-1251	89	7	the	the	DET
ajbmeb-1251	89	8	potency	potency	NOUN
ajbmeb-1251	89	9	and	and	CCONJ
ajbmeb-1251	89	10	capability	capability	NOUN
ajbmeb-1251	89	11	of	of	ADP
ajbmeb-1251	89	12	these	these	DET
ajbmeb-1251	89	13	enterprises	enterprise	NOUN
ajbmeb-1251	89	14	to	to	PART
ajbmeb-1251	89	15	accrue	accrue	VERB
ajbmeb-1251	89	16	profits	profit	NOUN
ajbmeb-1251	89	17	.	.	PUNCT
ajbmeb-1251	90	1	through	through	ADP
ajbmeb-1251	90	2	the	the	DET
ajbmeb-1251	90	3	synthesis	synthesis	NOUN
ajbmeb-1251	90	4	of	of	ADP
ajbmeb-1251	90	5	these	these	DET
ajbmeb-1251	90	6	dual	dual	ADJ
ajbmeb-1251	90	7	notions	notion	NOUN
ajbmeb-1251	90	8	,	,	PUNCT
ajbmeb-1251	90	9	profitability	profitability	NOUN
ajbmeb-1251	90	10	emerges	emerge	VERB
ajbmeb-1251	90	11	as	as	SCONJ
ajbmeb-1251	90	12	the	the	DET
ajbmeb-1251	90	13	aptitude	aptitude	NOUN
ajbmeb-1251	90	14	to	to	PART
ajbmeb-1251	90	15	employ	employ	VERB
ajbmeb-1251	90	16	and	and	CCONJ
ajbmeb-1251	90	17	invest	invest	VERB
ajbmeb-1251	90	18	in	in	ADP
ajbmeb-1251	90	19	a	a	DET
ajbmeb-1251	90	20	particular	particular	ADJ
ajbmeb-1251	90	21	resource	resource	NOUN
ajbmeb-1251	90	22	with	with	ADP
ajbmeb-1251	90	23	the	the	DET
ajbmeb-1251	90	24	aim	aim	NOUN
ajbmeb-1251	90	25	of	of	ADP
ajbmeb-1251	90	26	yielding	yield	VERB
ajbmeb-1251	90	27	returns	return	NOUN
ajbmeb-1251	90	28	from	from	ADP
ajbmeb-1251	90	29	its	its	PRON
ajbmeb-1251	90	30	utilization	utilization	NOUN
ajbmeb-1251	90	31	(	(	PUNCT
ajbmeb-1251	90	32	tulsian	tulsian	NOUN
ajbmeb-1251	90	33	,	,	PUNCT
ajbmeb-1251	90	34	2014	2014	NUM
ajbmeb-1251	90	35	,	,	PUNCT
ajbmeb-1251	90	36	p.	p.	NOUN
ajbmeb-1251	90	37	19	19	NUM
ajbmeb-1251	90	38	)	)	PUNCT
ajbmeb-1251	90	39	.	.	PUNCT
ajbmeb-1251	91	1	it	it	PRON
ajbmeb-1251	91	2	’s	’	VERB
ajbmeb-1251	91	3	essential	essential	ADJ
ajbmeb-1251	91	4	to	to	PART
ajbmeb-1251	91	5	distinguish	distinguish	VERB
ajbmeb-1251	91	6	between	between	ADP
ajbmeb-1251	91	7	profit	profit	NOUN
ajbmeb-1251	91	8	,	,	PUNCT
ajbmeb-1251	91	9	as	as	ADP
ajbmeb-1251	91	10	the	the	DET
ajbmeb-1251	91	11	absolute	absolute	ADJ
ajbmeb-1251	91	12	amount	amount	NOUN
ajbmeb-1251	91	13	extracted	extract	VERB
ajbmeb-1251	91	14	from	from	ADP
ajbmeb-1251	91	15	the	the	DET
ajbmeb-1251	91	16	income	income	NOUN
ajbmeb-1251	91	17	statement	statement	NOUN
ajbmeb-1251	91	18	of	of	ADP
ajbmeb-1251	91	19	a	a	DET
ajbmeb-1251	91	20	business	business	NOUN
ajbmeb-1251	91	21	entity	entity	NOUN
ajbmeb-1251	91	22	,	,	PUNCT
ajbmeb-1251	91	23	and	and	CCONJ
ajbmeb-1251	91	24	profitability	profitability	NOUN
ajbmeb-1251	91	25	,	,	PUNCT
ajbmeb-1251	91	26	as	as	ADP
ajbmeb-1251	91	27	the	the	DET
ajbmeb-1251	91	28	percentage	percentage	NOUN
ajbmeb-1251	91	29	of	of	ADP
ajbmeb-1251	91	30	this	this	DET
ajbmeb-1251	91	31	amount	amount	NOUN
ajbmeb-1251	91	32	to	to	ADP
ajbmeb-1251	91	33	the	the	DET
ajbmeb-1251	91	34	operating	operate	VERB
ajbmeb-1251	91	35	elements	element	NOUN
ajbmeb-1251	91	36	within	within	ADP
ajbmeb-1251	91	37	the	the	DET
ajbmeb-1251	91	38	entity	entity	NOUN
ajbmeb-1251	91	39	.	.	PUNCT
ajbmeb-1251	92	1	for	for	ADP
ajbmeb-1251	92	2	business	business	NOUN
ajbmeb-1251	92	3	and	and	CCONJ
ajbmeb-1251	92	4	banking	banking	NOUN
ajbmeb-1251	92	5	management	management	NOUN
ajbmeb-1251	92	6	,	,	PUNCT
ajbmeb-1251	92	7	what	what	PRON
ajbmeb-1251	92	8	matters	matter	VERB
ajbmeb-1251	92	9	is	be	AUX
ajbmeb-1251	92	10	not	not	PART
ajbmeb-1251	92	11	the	the	DET
ajbmeb-1251	92	12	absolute	absolute	ADJ
ajbmeb-1251	92	13	amount	amount	NOUN
ajbmeb-1251	92	14	of	of	ADP
ajbmeb-1251	92	15	profit	profit	NOUN
ajbmeb-1251	92	16	,	,	PUNCT
ajbmeb-1251	92	17	but	but	CCONJ
ajbmeb-1251	92	18	profitability	profitability	NOUN
ajbmeb-1251	92	19	because	because	SCONJ
ajbmeb-1251	92	20	it	it	PRON
ajbmeb-1251	92	21	serves	serve	VERB
ajbmeb-1251	92	22	as	as	ADP
ajbmeb-1251	92	23	a	a	DET
ajbmeb-1251	92	24	crucial	crucial	ADJ
ajbmeb-1251	92	25	indicator	indicator	NOUN
ajbmeb-1251	92	26	in	in	ADP
ajbmeb-1251	92	27	evaluating	evaluate	VERB
ajbmeb-1251	92	28	performance	performance	NOUN
ajbmeb-1251	92	29	and	and	CCONJ
ajbmeb-1251	92	30	provides	provide	VERB
ajbmeb-1251	92	31	definitive	definitive	ADJ
ajbmeb-1251	92	32	answers	answer	NOUN
ajbmeb-1251	92	33	about	about	ADP
ajbmeb-1251	92	34	the	the	DET
ajbmeb-1251	92	35	operational	operational	ADJ
ajbmeb-1251	92	36	efficiency	efficiency	NOUN
ajbmeb-1251	92	37	of	of	ADP
ajbmeb-1251	92	38	bank	bank	NOUN
ajbmeb-1251	92	39	management	management	NOUN
ajbmeb-1251	92	40	.	.	PUNCT
ajbmeb-1251	93	1	profitability	profitability	NOUN
ajbmeb-1251	93	2	reflects	reflect	VERB
ajbmeb-1251	93	3	the	the	DET
ajbmeb-1251	93	4	result	result	NOUN
ajbmeb-1251	93	5	of	of	ADP
ajbmeb-1251	93	6	many	many	ADJ
ajbmeb-1251	93	7	operational	operational	ADJ
ajbmeb-1251	93	8	decisions	decision	NOUN
ajbmeb-1251	93	9	and	and	CCONJ
ajbmeb-1251	93	10	policies	policy	NOUN
ajbmeb-1251	93	11	(	(	PUNCT
ajbmeb-1251	93	12	hussain	hussain	PROPN
ajbmeb-1251	93	13	&	&	CCONJ
ajbmeb-1251	93	14	al	al	PROPN
ajbmeb-1251	93	15	moula	moula	PROPN
ajbmeb-1251	93	16	,	,	PUNCT
ajbmeb-1251	93	17	2021	2021	NUM
ajbmeb-1251	93	18	,	,	PUNCT
ajbmeb-1251	93	19	p.	p.	NOUN
ajbmeb-1251	93	20	177	177	NUM
ajbmeb-1251	93	21	)	)	PUNCT
ajbmeb-1251	93	22	.	.	PUNCT
ajbmeb-1251	94	1	profitability	profitability	NOUN
ajbmeb-1251	94	2	is	be	AUX
ajbmeb-1251	94	3	defined	define	VERB
ajbmeb-1251	94	4	as	as	ADP
ajbmeb-1251	94	5	a	a	DET
ajbmeb-1251	94	6	bank	bank	NOUN
ajbmeb-1251	94	7	’s	’s	PART
ajbmeb-1251	94	8	ability	ability	NOUN
ajbmeb-1251	94	9	to	to	PART
ajbmeb-1251	94	10	achieve	achieve	VERB
ajbmeb-1251	94	11	profits	profit	NOUN
ajbmeb-1251	94	12	through	through	ADP
ajbmeb-1251	94	13	optimal	optimal	ADJ
ajbmeb-1251	94	14	investment	investment	NOUN
ajbmeb-1251	94	15	of	of	ADP
ajbmeb-1251	94	16	its	its	PRON
ajbmeb-1251	94	17	resources	resource	NOUN
ajbmeb-1251	94	18	,	,	PUNCT
ajbmeb-1251	94	19	yielding	yield	VERB
ajbmeb-1251	94	20	a	a	DET
ajbmeb-1251	94	21	return	return	NOUN
ajbmeb-1251	94	22	proportionate	proportionate	ADJ
ajbmeb-1251	94	23	to	to	ADP
ajbmeb-1251	94	24	the	the	DET
ajbmeb-1251	94	25	bank	bank	NOUN
ajbmeb-1251	94	26	’s	’s	PART
ajbmeb-1251	94	27	resource	resource	NOUN
ajbmeb-1251	94	28	base	base	NOUN
ajbmeb-1251	94	29	over	over	ADP
ajbmeb-1251	94	30	a	a	DET
ajbmeb-1251	94	31	specified	specified	ADJ
ajbmeb-1251	94	32	period	period	NOUN
ajbmeb-1251	94	33	of	of	ADP
ajbmeb-1251	94	34	time	time	NOUN
ajbmeb-1251	94	35	.	.	PUNCT
ajbmeb-1251	95	1	it	it	PRON
ajbmeb-1251	95	2	is	be	AUX
ajbmeb-1251	95	3	expressed	express	VERB
ajbmeb-1251	95	4	as	as	ADP
ajbmeb-1251	95	5	a	a	DET
ajbmeb-1251	95	6	percentage	percentage	NOUN
ajbmeb-1251	95	7	representing	represent	VERB
ajbmeb-1251	95	8	the	the	DET
ajbmeb-1251	95	9	rate	rate	NOUN
ajbmeb-1251	95	10	of	of	ADP
ajbmeb-1251	95	11	return	return	NOUN
ajbmeb-1251	95	12	on	on	ADP
ajbmeb-1251	95	13	a	a	DET
ajbmeb-1251	95	14	specific	specific	ADJ
ajbmeb-1251	95	15	resource	resource	NOUN
ajbmeb-1251	95	16	within	within	ADP
ajbmeb-1251	95	17	the	the	DET
ajbmeb-1251	95	18	bank	bank	NOUN
ajbmeb-1251	95	19	's	's	PART
ajbmeb-1251	95	20	resources	resource	NOUN
ajbmeb-1251	95	21	(	(	PUNCT
ajbmeb-1251	95	22	alqaisi	alqaisi	VERB
ajbmeb-1251	95	23	&	&	CCONJ
ajbmeb-1251	95	24	al	al	PROPN
ajbmeb-1251	95	25	-	-	PUNCT
ajbmeb-1251	95	26	taie	taie	PROPN
ajbmeb-1251	95	27	,	,	PUNCT
ajbmeb-1251	95	28	2023	2023	NUM
ajbmeb-1251	95	29	,	,	PUNCT
ajbmeb-1251	95	30	p.	p.	NOUN
ajbmeb-1251	95	31	253	253	NUM
ajbmeb-1251	95	32	)	)	PUNCT
ajbmeb-1251	95	33	.	.	PUNCT
ajbmeb-1251	96	1	it	it	PRON
ajbmeb-1251	96	2	is	be	AUX
ajbmeb-1251	96	3	also	also	ADV
ajbmeb-1251	96	4	defined	define	VERB
ajbmeb-1251	96	5	as	as	ADP
ajbmeb-1251	96	6	the	the	DET
ajbmeb-1251	96	7	relationship	relationship	NOUN
ajbmeb-1251	96	8	between	between	ADP
ajbmeb-1251	96	9	the	the	DET
ajbmeb-1251	96	10	returns	return	NOUN
ajbmeb-1251	96	11	a	a	DET
ajbmeb-1251	96	12	bank	bank	NOUN
ajbmeb-1251	96	13	seeks	seek	VERB
ajbmeb-1251	96	14	to	to	PART
ajbmeb-1251	96	15	achieve	achieve	VERB
ajbmeb-1251	96	16	and	and	CCONJ
ajbmeb-1251	96	17	the	the	DET
ajbmeb-1251	96	18	investments	investment	NOUN
ajbmeb-1251	96	19	that	that	PRON
ajbmeb-1251	96	20	contributed	contribute	VERB
ajbmeb-1251	96	21	to	to	ADP
ajbmeb-1251	96	22	achieving	achieve	VERB
ajbmeb-1251	96	23	them	they	PRON
ajbmeb-1251	96	24	(	(	PUNCT
ajbmeb-1251	96	25	al	al	ADJ
ajbmeb-1251	96	26	-	-	PUNCT
ajbmeb-1251	96	27	aajibi	aajibi	PROPN
ajbmeb-1251	96	28	&	&	CCONJ
ajbmeb-1251	96	29	hamidi	hamidi	PROPN
ajbmeb-1251	96	30	,	,	PUNCT
ajbmeb-1251	96	31	2021	2021	NUM
ajbmeb-1251	96	32	,	,	PUNCT
ajbmeb-1251	96	33	p.	p.	NOUN
ajbmeb-1251	96	34	128	128	NUM
ajbmeb-1251	96	35	)	)	PUNCT
ajbmeb-1251	96	36	.	.	PUNCT
ajbmeb-1251	97	1	therefore	therefore	ADV
ajbmeb-1251	97	2	,	,	PUNCT
ajbmeb-1251	97	3	it	it	PRON
ajbmeb-1251	97	4	serves	serve	VERB
ajbmeb-1251	97	5	as	as	ADP
ajbmeb-1251	97	6	a	a	DET
ajbmeb-1251	97	7	measure	measure	NOUN
ajbmeb-1251	97	8	of	of	ADP
ajbmeb-1251	97	9	relative	relative	ADJ
ajbmeb-1251	97	10	efficiency	efficiency	NOUN
ajbmeb-1251	97	11	resulting	result	VERB
ajbmeb-1251	97	12	from	from	ADP
ajbmeb-1251	97	13	the	the	DET
ajbmeb-1251	97	14	extent	extent	NOUN
ajbmeb-1251	97	15	to	to	PART
ajbmeb-1251	97	16	which	which	PRON
ajbmeb-1251	97	17	results	result	NOUN
ajbmeb-1251	97	18	are	be	AUX
ajbmeb-1251	97	19	achieved	achieve	VERB
ajbmeb-1251	97	20	through	through	ADP
ajbmeb-1251	97	21	the	the	DET
ajbmeb-1251	97	22	optimal	optimal	ADJ
ajbmeb-1251	97	23	utilization	utilization	NOUN
ajbmeb-1251	97	24	of	of	ADP
ajbmeb-1251	97	25	available	available	ADJ
ajbmeb-1251	97	26	means	mean	NOUN
ajbmeb-1251	97	27	(	(	PUNCT
ajbmeb-1251	97	28	al	al	PROPN
ajbmeb-1251	97	29	-	-	PUNCT
ajbmeb-1251	97	30	yasseri	yasseri	PROPN
ajbmeb-1251	97	31	&	&	CCONJ
ajbmeb-1251	97	32	radhi	radhi	PROPN
ajbmeb-1251	97	33	,	,	PUNCT
ajbmeb-1251	97	34	2021	2021	NUM
ajbmeb-1251	97	35	,	,	PUNCT
ajbmeb-1251	97	36	p.	p.	NOUN
ajbmeb-1251	97	37	447	447	NUM
ajbmeb-1251	97	38	)	)	PUNCT
ajbmeb-1251	97	39	.	.	PUNCT
ajbmeb-1251	98	1	the	the	DET
ajbmeb-1251	98	2	importance	importance	NOUN
ajbmeb-1251	98	3	of	of	ADP
ajbmeb-1251	98	4	banking	banking	NOUN
ajbmeb-1251	98	5	profitability	profitability	NOUN
ajbmeb-1251	98	6	:	:	PUNCT
ajbmeb-1251	98	7	it	it	PRON
ajbmeb-1251	98	8	serves	serve	VERB
ajbmeb-1251	98	9	as	as	ADP
ajbmeb-1251	98	10	an	an	DET
ajbmeb-1251	98	11	indicator	indicator	NOUN
ajbmeb-1251	98	12	of	of	ADP
ajbmeb-1251	98	13	efficiency	efficiency	NOUN
ajbmeb-1251	98	14	and	and	CCONJ
ajbmeb-1251	98	15	optimal	optimal	ADJ
ajbmeb-1251	98	16	utilization	utilization	NOUN
ajbmeb-1251	98	17	of	of	ADP
ajbmeb-1251	98	18	a	a	DET
ajbmeb-1251	98	19	country	country	NOUN
ajbmeb-1251	98	20	’s	’s	PART
ajbmeb-1251	98	21	resources	resource	NOUN
ajbmeb-1251	98	22	and	and	CCONJ
ajbmeb-1251	98	23	wealth	wealth	NOUN
ajbmeb-1251	98	24	(	(	PUNCT
ajbmeb-1251	98	25	al	al	PROPN
ajbmeb-1251	98	26	-	-	PUNCT
ajbmeb-1251	98	27	karawi	karawi	PROPN
ajbmeb-1251	98	28	,	,	PUNCT
ajbmeb-1251	98	29	2009	2009	NUM
ajbmeb-1251	98	30	,	,	PUNCT
ajbmeb-1251	98	31	p.	p.	NOUN
ajbmeb-1251	98	32	5	5	NUM
ajbmeb-1251	98	33	)	)	PUNCT
ajbmeb-1251	98	34	.	.	PUNCT
ajbmeb-1251	99	1	profitability	profitability	NOUN
ajbmeb-1251	99	2	is	be	AUX
ajbmeb-1251	99	3	essential	essential	ADJ
ajbmeb-1251	99	4	for	for	ADP
ajbmeb-1251	99	5	increasing	increase	VERB
ajbmeb-1251	99	6	shareholders	shareholder	NOUN
ajbmeb-1251	99	7	’	’	PART
ajbmeb-1251	99	8	wealth	wealth	NOUN
ajbmeb-1251	99	9	and	and	CCONJ
ajbmeb-1251	99	10	achieving	achieve	VERB
ajbmeb-1251	99	11	a	a	DET
ajbmeb-1251	99	12	high	high	ADJ
ajbmeb-1251	99	13	return	return	NOUN
ajbmeb-1251	99	14	on	on	ADP
ajbmeb-1251	99	15	equity	equity	NOUN
ajbmeb-1251	99	16	(	(	PUNCT
ajbmeb-1251	99	17	al	al	PROPN
ajbmeb-1251	99	18	ogaili	ogaili	NOUN
ajbmeb-1251	99	19	,	,	PUNCT
ajbmeb-1251	99	20	2020	2020	NUM
ajbmeb-1251	99	21	,	,	PUNCT
ajbmeb-1251	99	22	p.	p.	NOUN
ajbmeb-1251	99	23	423	423	NUM
ajbmeb-1251	99	24	)	)	PUNCT
ajbmeb-1251	99	25	.	.	PUNCT
ajbmeb-1251	100	1	it	it	PRON
ajbmeb-1251	100	2	is	be	AUX
ajbmeb-1251	100	3	the	the	DET
ajbmeb-1251	100	4	primary	primary	ADJ
ajbmeb-1251	100	5	criterion	criterion	NOUN
ajbmeb-1251	100	6	for	for	ADP
ajbmeb-1251	100	7	assessing	assess	VERB
ajbmeb-1251	100	8	the	the	DET
ajbmeb-1251	100	9	management	management	NOUN
ajbmeb-1251	100	10	’s	’s	PART
ajbmeb-1251	100	11	capability	capability	NOUN
ajbmeb-1251	100	12	and	and	CCONJ
ajbmeb-1251	100	13	efficiency	efficiency	NOUN
ajbmeb-1251	100	14	.	.	PUNCT
ajbmeb-1251	101	1	the	the	DET
ajbmeb-1251	101	2	more	more	ADV
ajbmeb-1251	101	3	efficient	efficient	ADJ
ajbmeb-1251	101	4	the	the	DET
ajbmeb-1251	101	5	management	management	NOUN
ajbmeb-1251	101	6	,	,	PUNCT
ajbmeb-1251	101	7	the	the	DET
ajbmeb-1251	101	8	more	more	ADJ
ajbmeb-1251	101	9	profits	profit	NOUN
ajbmeb-1251	101	10	it	it	PRON
ajbmeb-1251	101	11	can	can	AUX
ajbmeb-1251	101	12	generate	generate	VERB
ajbmeb-1251	101	13	(	(	PUNCT
ajbmeb-1251	101	14	al	al	PROPN
ajbmeb-1251	101	15	hussain	hussain	PROPN
ajbmeb-1251	101	16	&	&	CCONJ
ajbmeb-1251	101	17	al	al	PROPN
ajbmeb-1251	101	18	moula	moula	PROPN
ajbmeb-1251	101	19	,	,	PUNCT
ajbmeb-1251	101	20	2021	2021	NUM
ajbmeb-1251	101	21	,	,	PUNCT
ajbmeb-1251	101	22	p.	p.	NOUN
ajbmeb-1251	101	23	177	177	NUM
ajbmeb-1251	101	24	)	)	PUNCT
ajbmeb-1251	101	25	.	.	PUNCT
ajbmeb-1251	102	1	profitability	profitability	NOUN
ajbmeb-1251	102	2	is	be	AUX
ajbmeb-1251	102	3	crucial	crucial	ADJ
ajbmeb-1251	102	4	for	for	ADP
ajbmeb-1251	102	5	dealing	deal	VERB
ajbmeb-1251	102	6	with	with	ADP
ajbmeb-1251	102	7	the	the	DET
ajbmeb-1251	102	8	numerous	numerous	ADJ
ajbmeb-1251	102	9	risks	risk	NOUN
ajbmeb-1251	102	10	that	that	PRON
ajbmeb-1251	102	11	banks	bank	NOUN
ajbmeb-1251	102	12	face	face	VERB
ajbmeb-1251	102	13	in	in	ADP
ajbmeb-1251	102	14	the	the	DET
ajbmeb-1251	102	15	intense	intense	ADJ
ajbmeb-1251	102	16	competition	competition	NOUN
ajbmeb-1251	102	17	of	of	ADP
ajbmeb-1251	102	18	the	the	DET
ajbmeb-1251	102	19	market	market	NOUN
ajbmeb-1251	102	20	(	(	PUNCT
ajbmeb-1251	102	21	hamad	hamad	PROPN
ajbmeb-1251	102	22	,	,	PUNCT
ajbmeb-1251	102	23	2011	2011	NUM
ajbmeb-1251	102	24	,	,	PUNCT
ajbmeb-1251	102	25	p.	p.	NOUN
ajbmeb-1251	102	26	410	410	NUM
ajbmeb-1251	102	27	)	)	PUNCT
ajbmeb-1251	102	28	.	.	PUNCT
ajbmeb-1251	103	1	assessing	assess	VERB
ajbmeb-1251	103	2	bank	bank	NOUN
ajbmeb-1251	103	3	profitability	profitability	NOUN
ajbmeb-1251	103	4	:	:	PUNCT
ajbmeb-1251	103	5	bank	bank	NOUN
ajbmeb-1251	103	6	profitability	profitability	NOUN
ajbmeb-1251	103	7	is	be	AUX
ajbmeb-1251	103	8	evaluated	evaluate	VERB
ajbmeb-1251	103	9	using	use	VERB
ajbmeb-1251	103	10	a	a	DET
ajbmeb-1251	103	11	set	set	NOUN
ajbmeb-1251	103	12	of	of	ADP
ajbmeb-1251	103	13	financial	financial	ADJ
ajbmeb-1251	103	14	indicators	indicator	NOUN
ajbmeb-1251	103	15	or	or	CCONJ
ajbmeb-1251	103	16	ratios	ratio	NOUN
ajbmeb-1251	103	17	.	.	PUNCT
ajbmeb-1251	104	1	these	these	DET
ajbmeb-1251	104	2	indicators	indicator	NOUN
ajbmeb-1251	104	3	are	be	AUX
ajbmeb-1251	104	4	among	among	ADP
ajbmeb-1251	104	5	the	the	DET
ajbmeb-1251	104	6	most	most	ADV
ajbmeb-1251	104	7	critical	critical	ADJ
ajbmeb-1251	104	8	financial	financial	ADJ
ajbmeb-1251	104	9	metrics	metric	NOUN
ajbmeb-1251	104	10	used	use	VERB
ajbmeb-1251	104	11	extensively	extensively	ADV
ajbmeb-1251	104	12	to	to	PART
ajbmeb-1251	104	13	assess	assess	VERB
ajbmeb-1251	104	14	bank	bank	NOUN
ajbmeb-1251	104	15	profitability	profitability	NOUN
ajbmeb-1251	104	16	because	because	SCONJ
ajbmeb-1251	104	17	they	they	PRON
ajbmeb-1251	104	18	measure	measure	VERB
ajbmeb-1251	104	19	the	the	DET
ajbmeb-1251	104	20	bank	bank	NOUN
ajbmeb-1251	104	21	’s	’s	PART
ajbmeb-1251	104	22	ability	ability	NOUN
ajbmeb-1251	104	23	to	to	PART
ajbmeb-1251	104	24	achieve	achieve	VERB
ajbmeb-1251	104	25	a	a	DET
ajbmeb-1251	104	26	return	return	NOUN
ajbmeb-1251	104	27	on	on	ADP
ajbmeb-1251	104	28	invested	invest	VERB
ajbmeb-1251	104	29	capital	capital	NOUN
ajbmeb-1251	104	30	(	(	PUNCT
ajbmeb-1251	104	31	hussan	hussan	NOUN
ajbmeb-1251	104	32	et	et	PROPN
ajbmeb-1251	104	33	al	al	PROPN
ajbmeb-1251	104	34	,	,	PUNCT
ajbmeb-1251	104	35	2021	2021	NUM
ajbmeb-1251	104	36	,	,	PUNCT
ajbmeb-1251	104	37	p.	p.	NOUN
ajbmeb-1251	104	38	273	273	NUM
ajbmeb-1251	104	39	)	)	PUNCT
ajbmeb-1251	104	40	.	.	PUNCT
ajbmeb-1251	105	1	some	some	PRON
ajbmeb-1251	105	2	of	of	ADP
ajbmeb-1251	105	3	the	the	DET
ajbmeb-1251	105	4	most	most	ADV
ajbmeb-1251	105	5	important	important	ADJ
ajbmeb-1251	105	6	of	of	ADP
ajbmeb-1251	105	7	these	these	DET
ajbmeb-1251	105	8	indicators	indicator	NOUN
ajbmeb-1251	105	9	include	include	VERB
ajbmeb-1251	105	10	:	:	PUNCT
ajbmeb-1251	105	11	return	return	VERB
ajbmeb-1251	105	12	on	on	ADP
ajbmeb-1251	105	13	assets	asset	NOUN
ajbmeb-1251	105	14	(	(	PUNCT
ajbmeb-1251	105	15	roa	roa	PROPN
ajbmeb-1251	105	16	):	):	PUNCT
ajbmeb-1251	105	17	the	the	DET
ajbmeb-1251	105	18	return	return	NOUN
ajbmeb-1251	105	19	on	on	ADP
ajbmeb-1251	105	20	assets	asset	NOUN
ajbmeb-1251	105	21	ratio	ratio	NOUN
ajbmeb-1251	105	22	serves	serve	VERB
ajbmeb-1251	105	23	as	as	ADP
ajbmeb-1251	105	24	a	a	DET
ajbmeb-1251	105	25	metric	metric	ADJ
ajbmeb-1251	105	26	portraying	portray	VERB
ajbmeb-1251	105	27	the	the	DET
ajbmeb-1251	105	28	bank	bank	NOUN
ajbmeb-1251	105	29	's	's	PART
ajbmeb-1251	105	30	proficiency	proficiency	NOUN
ajbmeb-1251	105	31	in	in	ADP
ajbmeb-1251	105	32	deriving	derive	VERB
ajbmeb-1251	105	33	profits	profit	NOUN
ajbmeb-1251	105	34	from	from	ADP
ajbmeb-1251	105	35	its	its	PRON
ajbmeb-1251	105	36	asset	asset	NOUN
ajbmeb-1251	105	37	base	base	NOUN
ajbmeb-1251	105	38	,	,	PUNCT
ajbmeb-1251	105	39	thereby	thereby	ADV
ajbmeb-1251	105	40	shedding	shed	VERB
ajbmeb-1251	105	41	light	light	NOUN
ajbmeb-1251	105	42	on	on	ADP
ajbmeb-1251	105	43	the	the	DET
ajbmeb-1251	105	44	efficiency	efficiency	NOUN
ajbmeb-1251	105	45	with	with	ADP
ajbmeb-1251	105	46	which	which	PRON
ajbmeb-1251	105	47	the	the	DET
ajbmeb-1251	105	48	bank	bank	NOUN
ajbmeb-1251	105	49	's	's	PART
ajbmeb-1251	105	50	assets	asset	NOUN
ajbmeb-1251	105	51	yield	yield	NOUN
ajbmeb-1251	105	52	revenue	revenue	NOUN
ajbmeb-1251	105	53	(	(	PUNCT
ajbmeb-1251	105	54	mengistu	mengistu	PROPN
ajbmeb-1251	105	55	,	,	PUNCT
ajbmeb-1251	105	56	2015	2015	NUM
ajbmeb-1251	105	57	,	,	PUNCT
ajbmeb-1251	105	58	p.	p.	NOUN
ajbmeb-1251	105	59	52	52	NUM
ajbmeb-1251	105	60	)	)	PUNCT
ajbmeb-1251	105	61	.	.	PUNCT
ajbmeb-1251	106	1	this	this	DET
ajbmeb-1251	106	2	ratio	ratio	NOUN
ajbmeb-1251	106	3	is	be	AUX
ajbmeb-1251	106	4	calculated	calculate	VERB
ajbmeb-1251	106	5	using	use	VERB
ajbmeb-1251	106	6	the	the	DET
ajbmeb-1251	106	7	following	follow	VERB
ajbmeb-1251	106	8	equation	equation	NOUN
ajbmeb-1251	106	9	(	(	PUNCT
ajbmeb-1251	106	10	omer	omer	PROPN
ajbmeb-1251	106	11	&	&	CCONJ
ajbmeb-1251	106	12	ali	ali	PROPN
ajbmeb-1251	106	13	,	,	PUNCT
ajbmeb-1251	106	14	2022	2022	NUM
ajbmeb-1251	106	15	,	,	PUNCT
ajbmeb-1251	106	16	p.	p.	NOUN
ajbmeb-1251	106	17	625	625	NUM
ajbmeb-1251	106	18	):	):	PUNCT
ajbmeb-1251	106	19	american	american	PROPN
ajbmeb-1251	106	20	journal	journal	PROPN
ajbmeb-1251	106	21	of	of	ADP
ajbmeb-1251	106	22	business	business	NOUN
ajbmeb-1251	106	23	management	management	NOUN
ajbmeb-1251	106	24	,	,	PUNCT
ajbmeb-1251	106	25	economics	economic	NOUN
ajbmeb-1251	106	26	and	and	CCONJ
ajbmeb-1251	106	27	banking	banking	NOUN
ajbmeb-1251	106	28	volume	volume	NOUN
ajbmeb-1251	106	29	16	16	NUM
ajbmeb-1251	106	30	sep	sep	PROPN
ajbmeb-1251	106	31	,	,	PUNCT
ajbmeb-1251	106	32	2023	2023	NUM
ajbmeb-1251	106	33	p	p	NOUN
ajbmeb-1251	107	1	a	a	DET
ajbmeb-1251	107	2	g	g	NOUN
ajbmeb-1251	107	3	e	e	NOUN
ajbmeb-1251	107	4	|	|	ADV
ajbmeb-1251	107	5	237	237	NUM
ajbmeb-1251	107	6	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1251	107	7	•	•	ADP
ajbmeb-1251	107	8	roa=	roa=	PROPN
ajbmeb-1251	107	9	net	net	ADJ
ajbmeb-1251	107	10	profit	profit	NOUN
ajbmeb-1251	107	11	after	after	ADP
ajbmeb-1251	107	12	tax	tax	NOUN
ajbmeb-1251	107	13	total	total	ADJ
ajbmeb-1251	107	14	assets	asset	NOUN
ajbmeb-1251	107	15	*	*	PUNCT
ajbmeb-1251	107	16	100	100	NUM
ajbmeb-1251	107	17	return	return	NOUN
ajbmeb-1251	107	18	on	on	ADP
ajbmeb-1251	107	19	equity	equity	NOUN
ajbmeb-1251	107	20	(	(	PUNCT
ajbmeb-1251	107	21	roe	roe	PROPN
ajbmeb-1251	107	22	):	):	PUNCT
ajbmeb-1251	107	23	this	this	DET
ajbmeb-1251	107	24	ratio	ratio	NOUN
ajbmeb-1251	107	25	aims	aim	VERB
ajbmeb-1251	107	26	to	to	PART
ajbmeb-1251	107	27	demonstrate	demonstrate	VERB
ajbmeb-1251	107	28	the	the	DET
ajbmeb-1251	107	29	relationship	relationship	NOUN
ajbmeb-1251	107	30	between	between	ADP
ajbmeb-1251	107	31	the	the	DET
ajbmeb-1251	107	32	capital	capital	NOUN
ajbmeb-1251	107	33	contributed	contribute	VERB
ajbmeb-1251	107	34	by	by	ADP
ajbmeb-1251	107	35	shareholders	shareholder	NOUN
ajbmeb-1251	107	36	and	and	CCONJ
ajbmeb-1251	107	37	the	the	DET
ajbmeb-1251	107	38	profits	profit	NOUN
ajbmeb-1251	107	39	generated	generate	VERB
ajbmeb-1251	107	40	from	from	ADP
ajbmeb-1251	107	41	it	it	PRON
ajbmeb-1251	107	42	(	(	PUNCT
ajbmeb-1251	107	43	uhmedy	uhmedy	PROPN
ajbmeb-1251	107	44	&	&	CCONJ
ajbmeb-1251	107	45	kareem	kareem	PROPN
ajbmeb-1251	107	46	,	,	PUNCT
ajbmeb-1251	107	47	2023	2023	NUM
ajbmeb-1251	107	48	,	,	PUNCT
ajbmeb-1251	107	49	p.	p.	NOUN
ajbmeb-1251	107	50	34	34	NUM
ajbmeb-1251	107	51	)	)	PUNCT
ajbmeb-1251	107	52	.	.	PUNCT
ajbmeb-1251	108	1	an	an	DET
ajbmeb-1251	108	2	increase	increase	NOUN
ajbmeb-1251	108	3	in	in	ADP
ajbmeb-1251	108	4	this	this	DET
ajbmeb-1251	108	5	ratio	ratio	NOUN
ajbmeb-1251	108	6	reflects	reflect	VERB
ajbmeb-1251	108	7	the	the	DET
ajbmeb-1251	108	8	bank	bank	NOUN
ajbmeb-1251	108	9	’s	’s	PART
ajbmeb-1251	108	10	ability	ability	NOUN
ajbmeb-1251	108	11	to	to	PART
ajbmeb-1251	108	12	achieve	achieve	VERB
ajbmeb-1251	108	13	significant	significant	ADJ
ajbmeb-1251	108	14	profits	profit	NOUN
ajbmeb-1251	108	15	for	for	ADP
ajbmeb-1251	108	16	shareholders	shareholder	NOUN
ajbmeb-1251	108	17	and	and	CCONJ
ajbmeb-1251	108	18	increase	increase	VERB
ajbmeb-1251	108	19	the	the	DET
ajbmeb-1251	108	20	balance	balance	NOUN
ajbmeb-1251	108	21	of	of	ADP
ajbmeb-1251	108	22	retained	retain	VERB
ajbmeb-1251	108	23	earnings	earning	NOUN
ajbmeb-1251	108	24	,	,	PUNCT
ajbmeb-1251	108	25	leading	lead	VERB
ajbmeb-1251	108	26	to	to	ADP
ajbmeb-1251	108	27	an	an	DET
ajbmeb-1251	108	28	increase	increase	NOUN
ajbmeb-1251	108	29	in	in	ADP
ajbmeb-1251	108	30	the	the	DET
ajbmeb-1251	108	31	share	share	NOUN
ajbmeb-1251	108	32	's	's	PART
ajbmeb-1251	108	33	value	value	NOUN
ajbmeb-1251	108	34	and	and	CCONJ
ajbmeb-1251	108	35	the	the	DET
ajbmeb-1251	108	36	profits	profit	NOUN
ajbmeb-1251	108	37	distributed	distribute	VERB
ajbmeb-1251	108	38	on	on	ADP
ajbmeb-1251	108	39	those	those	DET
ajbmeb-1251	108	40	shares	share	NOUN
ajbmeb-1251	108	41	,	,	PUNCT
ajbmeb-1251	108	42	thus	thus	ADV
ajbmeb-1251	108	43	maximizing	maximize	VERB
ajbmeb-1251	108	44	returns	return	NOUN
ajbmeb-1251	108	45	(	(	PUNCT
ajbmeb-1251	108	46	al	al	PROPN
ajbmeb-1251	108	47	ogaili	ogaili	NOUN
ajbmeb-1251	108	48	,	,	PUNCT
ajbmeb-1251	108	49	2020	2020	NUM
ajbmeb-1251	108	50	,	,	PUNCT
ajbmeb-1251	108	51	p.	p.	NOUN
ajbmeb-1251	108	52	423	423	NUM
ajbmeb-1251	108	53	)	)	PUNCT
ajbmeb-1251	108	54	.	.	PUNCT
ajbmeb-1251	109	1	it	it	PRON
ajbmeb-1251	109	2	can	can	AUX
ajbmeb-1251	109	3	be	be	AUX
ajbmeb-1251	109	4	measured	measure	VERB
ajbmeb-1251	109	5	according	accord	VERB
ajbmeb-1251	109	6	to	to	ADP
ajbmeb-1251	109	7	the	the	DET
ajbmeb-1251	109	8	following	follow	VERB
ajbmeb-1251	109	9	equation	equation	NOUN
ajbmeb-1251	109	10	(	(	PUNCT
ajbmeb-1251	109	11	hussan	hussan	NOUN
ajbmeb-1251	109	12	et	et	PROPN
ajbmeb-1251	109	13	al	al	PROPN
ajbmeb-1251	109	14	,	,	PUNCT
ajbmeb-1251	109	15	2021	2021	NUM
ajbmeb-1251	109	16	,	,	PUNCT
ajbmeb-1251	109	17	p.	p.	NOUN
ajbmeb-1251	109	18	273	273	NUM
ajbmeb-1251	109	19	):	):	PUNCT
ajbmeb-1251	109	20	•	•	NOUN
ajbmeb-1251	109	21	roe=	roe=	PRON
ajbmeb-1251	109	22	net	net	ADJ
ajbmeb-1251	109	23	profit	profit	NOUN
ajbmeb-1251	109	24	after	after	ADP
ajbmeb-1251	109	25	tax	tax	NOUN
ajbmeb-1251	109	26	total	total	NOUN
ajbmeb-1251	109	27	equity	equity	NOUN
ajbmeb-1251	109	28	*	*	PUNCT
ajbmeb-1251	109	29	100	100	NUM
ajbmeb-1251	109	30	return	return	NOUN
ajbmeb-1251	109	31	on	on	ADP
ajbmeb-1251	109	32	deposits	deposit	NOUN
ajbmeb-1251	109	33	(	(	PUNCT
ajbmeb-1251	109	34	rod	rod	NOUN
ajbmeb-1251	109	35	):	):	PUNCT
ajbmeb-1251	109	36	this	this	DET
ajbmeb-1251	109	37	ratio	ratio	NOUN
ajbmeb-1251	109	38	aims	aim	VERB
ajbmeb-1251	109	39	to	to	PART
ajbmeb-1251	109	40	measure	measure	VERB
ajbmeb-1251	109	41	the	the	DET
ajbmeb-1251	109	42	net	net	ADJ
ajbmeb-1251	109	43	profits	profit	NOUN
ajbmeb-1251	109	44	compared	compare	VERB
ajbmeb-1251	109	45	to	to	ADP
ajbmeb-1251	109	46	the	the	DET
ajbmeb-1251	109	47	volume	volume	NOUN
ajbmeb-1251	109	48	of	of	ADP
ajbmeb-1251	109	49	funds	fund	NOUN
ajbmeb-1251	109	50	deposited	deposit	VERB
ajbmeb-1251	109	51	with	with	ADP
ajbmeb-1251	109	52	the	the	DET
ajbmeb-1251	109	53	bank	bank	NOUN
ajbmeb-1251	109	54	(	(	PUNCT
ajbmeb-1251	109	55	uhmedy	uhmedy	PROPN
ajbmeb-1251	109	56	&	&	CCONJ
ajbmeb-1251	109	57	kareem	kareem	PROPN
ajbmeb-1251	109	58	,	,	PUNCT
ajbmeb-1251	109	59	2023	2023	NUM
ajbmeb-1251	109	60	,	,	PUNCT
ajbmeb-1251	109	61	p.	p.	NOUN
ajbmeb-1251	109	62	35	35	NUM
ajbmeb-1251	109	63	)	)	PUNCT
ajbmeb-1251	109	64	.	.	PUNCT
ajbmeb-1251	110	1	in	in	ADP
ajbmeb-1251	110	2	other	other	ADJ
ajbmeb-1251	110	3	words	word	NOUN
ajbmeb-1251	110	4	,	,	PUNCT
ajbmeb-1251	110	5	this	this	DET
ajbmeb-1251	110	6	ratio	ratio	NOUN
ajbmeb-1251	110	7	assesses	assess	VERB
ajbmeb-1251	110	8	the	the	DET
ajbmeb-1251	110	9	bank	bank	NOUN
ajbmeb-1251	110	10	’s	’s	PART
ajbmeb-1251	110	11	ability	ability	NOUN
ajbmeb-1251	110	12	and	and	CCONJ
ajbmeb-1251	110	13	efficiency	efficiency	NOUN
ajbmeb-1251	110	14	in	in	ADP
ajbmeb-1251	110	15	generating	generate	VERB
ajbmeb-1251	110	16	profits	profit	NOUN
ajbmeb-1251	110	17	as	as	ADP
ajbmeb-1251	110	18	a	a	DET
ajbmeb-1251	110	19	result	result	NOUN
ajbmeb-1251	110	20	of	of	ADP
ajbmeb-1251	110	21	investing	invest	VERB
ajbmeb-1251	110	22	the	the	DET
ajbmeb-1251	110	23	deposits	deposit	NOUN
ajbmeb-1251	110	24	it	it	PRON
ajbmeb-1251	110	25	holds	hold	VERB
ajbmeb-1251	110	26	.	.	PUNCT
ajbmeb-1251	111	1	it	it	PRON
ajbmeb-1251	111	2	is	be	AUX
ajbmeb-1251	111	3	calculated	calculate	VERB
ajbmeb-1251	111	4	as	as	ADP
ajbmeb-1251	111	5	follows	follow	VERB
ajbmeb-1251	111	6	(	(	PUNCT
ajbmeb-1251	111	7	al	al	PROPN
ajbmeb-1251	111	8	-	-	PUNCT
ajbmeb-1251	111	9	yasseri	yasseri	PROPN
ajbmeb-1251	111	10	&	&	CCONJ
ajbmeb-1251	111	11	radhi	radhi	PROPN
ajbmeb-1251	111	12	,	,	PUNCT
ajbmeb-1251	111	13	2021	2021	NUM
ajbmeb-1251	111	14	,	,	PUNCT
ajbmeb-1251	111	15	p.	p.	NOUN
ajbmeb-1251	111	16	447	447	NUM
ajbmeb-1251	111	17	):	):	PUNCT
ajbmeb-1251	111	18	•	•	NUM
ajbmeb-1251	111	19	rod=	rod=	PROPN
ajbmeb-1251	111	20	net	net	ADJ
ajbmeb-1251	111	21	profit	profit	NOUN
ajbmeb-1251	111	22	after	after	ADP
ajbmeb-1251	111	23	tax	tax	NOUN
ajbmeb-1251	111	24	total	total	NOUN
ajbmeb-1251	111	25	deposits	deposit	NOUN
ajbmeb-1251	111	26	*	*	PUNCT
ajbmeb-1251	111	27	100	100	NUM
ajbmeb-1251	111	28	return	return	NOUN
ajbmeb-1251	111	29	on	on	ADP
ajbmeb-1251	111	30	resources	resource	NOUN
ajbmeb-1251	111	31	(	(	PUNCT
ajbmeb-1251	111	32	ror	ror	NOUN
ajbmeb-1251	111	33	):	):	PUNCT
ajbmeb-1251	111	34	this	this	DET
ajbmeb-1251	111	35	ratio	ratio	NOUN
ajbmeb-1251	111	36	measures	measure	VERB
ajbmeb-1251	111	37	the	the	DET
ajbmeb-1251	111	38	bank	bank	NOUN
ajbmeb-1251	111	39	’s	’s	PART
ajbmeb-1251	111	40	ability	ability	NOUN
ajbmeb-1251	111	41	to	to	PART
ajbmeb-1251	111	42	generate	generate	VERB
ajbmeb-1251	111	43	profits	profit	NOUN
ajbmeb-1251	111	44	from	from	ADP
ajbmeb-1251	111	45	the	the	DET
ajbmeb-1251	111	46	utilization	utilization	NOUN
ajbmeb-1251	111	47	of	of	ADP
ajbmeb-1251	111	48	available	available	ADJ
ajbmeb-1251	111	49	resources	resource	NOUN
ajbmeb-1251	111	50	,	,	PUNCT
ajbmeb-1251	111	51	which	which	PRON
ajbmeb-1251	111	52	include	include	VERB
ajbmeb-1251	111	53	deposits	deposit	NOUN
ajbmeb-1251	111	54	and	and	CCONJ
ajbmeb-1251	111	55	equity	equity	NOUN
ajbmeb-1251	111	56	(	(	PUNCT
ajbmeb-1251	111	57	hussan	hussan	NOUN
ajbmeb-1251	111	58	et	et	PROPN
ajbmeb-1251	111	59	al	al	PROPN
ajbmeb-1251	111	60	,	,	PUNCT
ajbmeb-1251	111	61	2021	2021	NUM
ajbmeb-1251	111	62	,	,	PUNCT
ajbmeb-1251	111	63	p.	p.	NOUN
ajbmeb-1251	111	64	274	274	NUM
ajbmeb-1251	111	65	)	)	PUNCT
ajbmeb-1251	111	66	.	.	PUNCT
ajbmeb-1251	112	1	it	it	PRON
ajbmeb-1251	112	2	is	be	AUX
ajbmeb-1251	112	3	calculated	calculate	VERB
ajbmeb-1251	112	4	as	as	SCONJ
ajbmeb-1251	112	5	follows	follow	VERB
ajbmeb-1251	112	6	:	:	PUNCT
ajbmeb-1251	112	7	•	•	ADP
ajbmeb-1251	112	8	ror=	ror=	DET
ajbmeb-1251	112	9	net	net	ADJ
ajbmeb-1251	112	10	profit	profit	NOUN
ajbmeb-1251	112	11	after	after	ADP
ajbmeb-1251	112	12	tax	tax	NOUN
ajbmeb-1251	112	13	deposits+	deposits+	X
ajbmeb-1251	112	14	shareholders′	shareholders′	PROPN
ajbmeb-1251	113	1	equity	equity	PROPN
ajbmeb-1251	113	2	*	*	PROPN
ajbmeb-1251	113	3	100	100	NUM
ajbmeb-1251	113	4	the	the	DET
ajbmeb-1251	113	5	practical	practical	ADJ
ajbmeb-1251	113	6	aspect	aspect	NOUN
ajbmeb-1251	113	7	:	:	PUNCT
ajbmeb-1251	113	8	introduction	introduction	NOUN
ajbmeb-1251	113	9	:	:	PUNCT
ajbmeb-1251	113	10	traditional	traditional	ADJ
ajbmeb-1251	113	11	banks	bank	NOUN
ajbmeb-1251	113	12	face	face	VERB
ajbmeb-1251	113	13	various	various	ADJ
ajbmeb-1251	113	14	challenges	challenge	NOUN
ajbmeb-1251	113	15	,	,	PUNCT
ajbmeb-1251	113	16	such	such	ADJ
ajbmeb-1251	113	17	as	as	ADP
ajbmeb-1251	113	18	outdated	outdated	ADJ
ajbmeb-1251	113	19	technologies	technology	NOUN
ajbmeb-1251	113	20	or	or	CCONJ
ajbmeb-1251	113	21	unclear	unclear	ADJ
ajbmeb-1251	113	22	customer	customer	NOUN
ajbmeb-1251	113	23	systems	system	NOUN
ajbmeb-1251	113	24	,	,	PUNCT
ajbmeb-1251	113	25	leading	lead	VERB
ajbmeb-1251	113	26	to	to	ADP
ajbmeb-1251	113	27	difficulties	difficulty	NOUN
ajbmeb-1251	113	28	for	for	ADP
ajbmeb-1251	113	29	customers	customer	NOUN
ajbmeb-1251	113	30	.	.	PUNCT
ajbmeb-1251	114	1	these	these	DET
ajbmeb-1251	114	2	banks	bank	NOUN
ajbmeb-1251	114	3	may	may	AUX
ajbmeb-1251	114	4	also	also	ADV
ajbmeb-1251	114	5	face	face	VERB
ajbmeb-1251	114	6	competition	competition	NOUN
ajbmeb-1251	114	7	from	from	ADP
ajbmeb-1251	114	8	other	other	ADJ
ajbmeb-1251	114	9	institutions	institution	NOUN
ajbmeb-1251	114	10	offering	offer	VERB
ajbmeb-1251	114	11	innovative	innovative	ADJ
ajbmeb-1251	114	12	digital	digital	ADJ
ajbmeb-1251	114	13	solutions	solution	NOUN
ajbmeb-1251	114	14	.	.	PUNCT
ajbmeb-1251	115	1	in	in	ADP
ajbmeb-1251	115	2	this	this	DET
ajbmeb-1251	115	3	chapter	chapter	NOUN
ajbmeb-1251	115	4	,	,	PUNCT
ajbmeb-1251	115	5	we	we	PRON
ajbmeb-1251	115	6	will	will	AUX
ajbmeb-1251	115	7	describe	describe	VERB
ajbmeb-1251	115	8	the	the	DET
ajbmeb-1251	115	9	research	research	NOUN
ajbmeb-1251	115	10	methodology	methodology	NOUN
ajbmeb-1251	115	11	.	.	PUNCT
ajbmeb-1251	116	1	the	the	DET
ajbmeb-1251	116	2	researchers	researcher	NOUN
ajbmeb-1251	116	3	adopted	adopt	VERB
ajbmeb-1251	116	4	two	two	NUM
ajbmeb-1251	116	5	approaches	approach	NOUN
ajbmeb-1251	116	6	:	:	PUNCT
ajbmeb-1251	116	7	descriptive	descriptive	ADJ
ajbmeb-1251	116	8	methodology	methodology	NOUN
ajbmeb-1251	116	9	:	:	PUNCT
ajbmeb-1251	116	10	this	this	DET
ajbmeb-1251	116	11	approach	approach	NOUN
ajbmeb-1251	116	12	involves	involve	VERB
ajbmeb-1251	116	13	interpreting	interpret	VERB
ajbmeb-1251	116	14	phenomena	phenomenon	NOUN
ajbmeb-1251	116	15	and	and	CCONJ
ajbmeb-1251	116	16	events	event	NOUN
ajbmeb-1251	116	17	by	by	ADP
ajbmeb-1251	116	18	examining	examine	VERB
ajbmeb-1251	116	19	data	datum	NOUN
ajbmeb-1251	116	20	,	,	PUNCT
ajbmeb-1251	116	21	vocabulary	vocabulary	NOUN
ajbmeb-1251	116	22	,	,	PUNCT
ajbmeb-1251	116	23	and	and	CCONJ
ajbmeb-1251	116	24	their	their	PRON
ajbmeb-1251	116	25	relationships	relationship	NOUN
ajbmeb-1251	116	26	with	with	ADP
ajbmeb-1251	116	27	the	the	DET
ajbmeb-1251	116	28	events	event	NOUN
ajbmeb-1251	116	29	and	and	CCONJ
ajbmeb-1251	116	30	influencing	influence	VERB
ajbmeb-1251	116	31	factors	factor	NOUN
ajbmeb-1251	116	32	.	.	PUNCT
ajbmeb-1251	117	1	inductive	inductive	ADJ
ajbmeb-1251	117	2	methodology	methodology	NOUN
ajbmeb-1251	117	3	:	:	PUNCT
ajbmeb-1251	117	4	this	this	DET
ajbmeb-1251	117	5	approach	approach	NOUN
ajbmeb-1251	117	6	focuses	focus	VERB
ajbmeb-1251	117	7	on	on	ADP
ajbmeb-1251	117	8	interpreting	interpret	VERB
ajbmeb-1251	117	9	the	the	DET
ajbmeb-1251	117	10	current	current	ADJ
ajbmeb-1251	117	11	situation	situation	NOUN
ajbmeb-1251	117	12	or	or	CCONJ
ajbmeb-1251	117	13	problem	problem	NOUN
ajbmeb-1251	117	14	by	by	ADP
ajbmeb-1251	117	15	considering	consider	VERB
ajbmeb-1251	117	16	its	its	PRON
ajbmeb-1251	117	17	circumstances	circumstance	NOUN
ajbmeb-1251	117	18	and	and	CCONJ
ajbmeb-1251	117	19	dimensions	dimension	NOUN
ajbmeb-1251	117	20	.	.	PUNCT
ajbmeb-1251	118	1	it	it	PRON
ajbmeb-1251	118	2	aims	aim	VERB
ajbmeb-1251	118	3	to	to	PART
ajbmeb-1251	118	4	provide	provide	VERB
ajbmeb-1251	118	5	a	a	DET
ajbmeb-1251	118	6	detailed	detailed	ADJ
ajbmeb-1251	118	7	and	and	CCONJ
ajbmeb-1251	118	8	comprehensive	comprehensive	ADJ
ajbmeb-1251	118	9	description	description	NOUN
ajbmeb-1251	118	10	of	of	ADP
ajbmeb-1251	118	11	the	the	DET
ajbmeb-1251	118	12	problem	problem	NOUN
ajbmeb-1251	118	13	,	,	PUNCT
ajbmeb-1251	118	14	along	along	ADP
ajbmeb-1251	118	15	with	with	ADP
ajbmeb-1251	118	16	solutions	solution	NOUN
ajbmeb-1251	118	17	and	and	CCONJ
ajbmeb-1251	118	18	recommendations	recommendation	NOUN
ajbmeb-1251	118	19	.	.	PUNCT
ajbmeb-1251	119	1	research	research	NOUN
ajbmeb-1251	119	2	population	population	NOUN
ajbmeb-1251	119	3	and	and	CCONJ
ajbmeb-1251	119	4	sample	sample	NOUN
ajbmeb-1251	119	5	:	:	PUNCT
ajbmeb-1251	119	6	the	the	DET
ajbmeb-1251	119	7	research	research	NOUN
ajbmeb-1251	119	8	population	population	NOUN
ajbmeb-1251	119	9	includes	include	VERB
ajbmeb-1251	119	10	individuals	individual	NOUN
ajbmeb-1251	119	11	and	and	CCONJ
ajbmeb-1251	119	12	groups	group	NOUN
ajbmeb-1251	119	13	from	from	ADP
ajbmeb-1251	119	14	whom	whom	PRON
ajbmeb-1251	119	15	the	the	DET
ajbmeb-1251	119	16	research	research	NOUN
ajbmeb-1251	119	17	seeks	seek	VERB
ajbmeb-1251	119	18	to	to	PART
ajbmeb-1251	119	19	obtain	obtain	VERB
ajbmeb-1251	119	20	results	result	NOUN
ajbmeb-1251	119	21	,	,	PUNCT
ajbmeb-1251	119	22	either	either	CCONJ
ajbmeb-1251	119	23	through	through	ADP
ajbmeb-1251	119	24	their	their	PRON
ajbmeb-1251	119	25	responses	response	NOUN
ajbmeb-1251	119	26	or	or	CCONJ
ajbmeb-1251	119	27	from	from	ADP
ajbmeb-1251	119	28	reports	report	NOUN
ajbmeb-1251	119	29	and	and	CCONJ
ajbmeb-1251	119	30	findings	finding	NOUN
ajbmeb-1251	119	31	published	publish	VERB
ajbmeb-1251	119	32	online	online	ADV
ajbmeb-1251	119	33	.	.	PUNCT
ajbmeb-1251	120	1	the	the	DET
ajbmeb-1251	120	2	sample	sample	NOUN
ajbmeb-1251	120	3	consists	consist	VERB
ajbmeb-1251	120	4	of	of	ADP
ajbmeb-1251	120	5	employees	employee	NOUN
ajbmeb-1251	120	6	,	,	PUNCT
ajbmeb-1251	120	7	administrators	administrator	NOUN
ajbmeb-1251	120	8	,	,	PUNCT
ajbmeb-1251	120	9	and	and	CCONJ
ajbmeb-1251	120	10	department	department	NOUN
ajbmeb-1251	120	11	heads	head	NOUN
ajbmeb-1251	120	12	working	work	VERB
ajbmeb-1251	120	13	in	in	ADP
ajbmeb-1251	120	14	the	the	DET
ajbmeb-1251	120	15	iraqi	iraqi	ADJ
ajbmeb-1251	120	16	banking	banking	NOUN
ajbmeb-1251	120	17	sector	sector	NOUN
ajbmeb-1251	120	18	,	,	PUNCT
ajbmeb-1251	120	19	specifically	specifically	ADV
ajbmeb-1251	120	20	at	at	ADP
ajbmeb-1251	120	21	al	al	PROPN
ajbmeb-1251	120	22	-	-	PUNCT
ajbmeb-1251	120	23	rafidain	rafidain	PROPN
ajbmeb-1251	120	24	and	and	CCONJ
ajbmeb-1251	120	25	al	al	PROPN
ajbmeb-1251	120	26	-	-	PUNCT
ajbmeb-1251	120	27	rasheed	rasheed	NOUN
ajbmeb-1251	120	28	banks	bank	NOUN
ajbmeb-1251	120	29	in	in	ADP
ajbmeb-1251	120	30	misan	misan	PROPN
ajbmeb-1251	120	31	.	.	PUNCT
ajbmeb-1251	121	1	a	a	DET
ajbmeb-1251	121	2	total	total	NOUN
ajbmeb-1251	121	3	of	of	ADP
ajbmeb-1251	121	4	25	25	NUM
ajbmeb-1251	121	5	questionnaires	questionnaire	NOUN
ajbmeb-1251	121	6	were	be	AUX
ajbmeb-1251	121	7	distributed	distribute	VERB
ajbmeb-1251	121	8	,	,	PUNCT
ajbmeb-1251	121	9	all	all	PRON
ajbmeb-1251	121	10	of	of	ADP
ajbmeb-1251	121	11	which	which	PRON
ajbmeb-1251	121	12	were	be	AUX
ajbmeb-1251	121	13	returned	return	VERB
ajbmeb-1251	121	14	and	and	CCONJ
ajbmeb-1251	121	15	are	be	AUX
ajbmeb-1251	121	16	suitable	suitable	ADJ
ajbmeb-1251	121	17	for	for	ADP
ajbmeb-1251	121	18	analysis	analysis	NOUN
ajbmeb-1251	121	19	.	.	PUNCT
ajbmeb-1251	122	1	american	american	ADJ
ajbmeb-1251	122	2	journal	journal	PROPN
ajbmeb-1251	122	3	of	of	ADP
ajbmeb-1251	122	4	business	business	NOUN
ajbmeb-1251	122	5	management	management	NOUN
ajbmeb-1251	122	6	,	,	PUNCT
ajbmeb-1251	122	7	economics	economic	NOUN
ajbmeb-1251	122	8	and	and	CCONJ
ajbmeb-1251	122	9	banking	banking	NOUN
ajbmeb-1251	122	10	volume	volume	NOUN
ajbmeb-1251	122	11	16	16	NUM
ajbmeb-1251	122	12	sep	sep	PROPN
ajbmeb-1251	122	13	,	,	PUNCT
ajbmeb-1251	122	14	2023	2023	NUM
ajbmeb-1251	122	15	p	p	NOUN
ajbmeb-1251	122	16	a	a	DET
ajbmeb-1251	122	17	g	g	NOUN
ajbmeb-1251	122	18	e	e	NOUN
ajbmeb-1251	122	19	|	|	ADV
ajbmeb-1251	122	20	238	238	NUM
ajbmeb-1251	122	21	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1251	122	22	table	table	NOUN
ajbmeb-1251	122	23	(	(	PUNCT
ajbmeb-1251	122	24	1	1	NUM
ajbmeb-1251	122	25	):	):	PUNCT
ajbmeb-1251	122	26	the	the	DET
ajbmeb-1251	122	27	composition	composition	NOUN
ajbmeb-1251	122	28	of	of	ADP
ajbmeb-1251	122	29	the	the	DET
ajbmeb-1251	122	30	sample	sample	NOUN
ajbmeb-1251	122	31	based	base	VERB
ajbmeb-1251	122	32	on	on	ADP
ajbmeb-1251	122	33	gender	gender	NOUN
ajbmeb-1251	122	34	,	,	PUNCT
ajbmeb-1251	122	35	age	age	NOUN
ajbmeb-1251	122	36	,	,	PUNCT
ajbmeb-1251	122	37	and	and	CCONJ
ajbmeb-1251	122	38	educational	educational	ADJ
ajbmeb-1251	122	39	qualification	qualification	NOUN
ajbmeb-1251	122	40	.	.	PUNCT
ajbmeb-1251	123	1	gender	gender	NOUN
ajbmeb-1251	123	2	male	male	NOUN
ajbmeb-1251	123	3	11	11	NUM
ajbmeb-1251	123	4	female	female	ADJ
ajbmeb-1251	123	5	14	14	NUM
ajbmeb-1251	123	6	age	age	NOUN
ajbmeb-1251	123	7	group	group	NOUN
ajbmeb-1251	123	8	20–30	20–30	NUM
ajbmeb-1251	123	9	31–40	31–40	NUM
ajbmeb-1251	123	10	41–50	41–50	NUM
ajbmeb-1251	123	11	50	50	NUM
ajbmeb-1251	123	12	or	or	CCONJ
ajbmeb-1251	123	13	more	more	ADJ
ajbmeb-1251	123	14	8	8	NUM
ajbmeb-1251	123	15	7	7	NUM
ajbmeb-1251	123	16	5	5	NUM
ajbmeb-1251	123	17	5	5	NUM
ajbmeb-1251	123	18	educational	educational	ADJ
ajbmeb-1251	123	19	qualification	qualification	NOUN
ajbmeb-1251	123	20	diploma	diploma	NOUN
ajbmeb-1251	123	21	bachelor	bachelor	NOUN
ajbmeb-1251	123	22	's	's	PART
ajbmeb-1251	123	23	master	master	NOUN
ajbmeb-1251	123	24	's	's	PART
ajbmeb-1251	123	25	13	13	NUM
ajbmeb-1251	123	26	9	9	NUM
ajbmeb-1251	123	27	3	3	NUM
ajbmeb-1251	123	28	job	job	NOUN
ajbmeb-1251	123	29	position	position	NOUN
ajbmeb-1251	123	30	employee	employee	NOUN
ajbmeb-1251	123	31	head	head	NOUN
ajbmeb-1251	123	32	of	of	ADP
ajbmeb-1251	123	33	the	the	DET
ajbmeb-1251	123	34	department	department	NOUN
ajbmeb-1251	123	35	23	23	NUM
ajbmeb-1251	123	36	2	2	NUM
ajbmeb-1251	123	37	years	year	NOUN
ajbmeb-1251	123	38	of	of	ADP
ajbmeb-1251	123	39	experience	experience	NOUN
ajbmeb-1251	123	40	less	less	ADJ
ajbmeb-1251	123	41	than	than	ADP
ajbmeb-1251	123	42	3	3	NUM
ajbmeb-1251	123	43	years	year	NOUN
ajbmeb-1251	123	44	3–6	3–6	NUM
ajbmeb-1251	123	45	6–9	6–9	NUM
ajbmeb-1251	123	46	9	9	NUM
ajbmeb-1251	123	47	or	or	CCONJ
ajbmeb-1251	123	48	more	more	ADJ
ajbmeb-1251	123	49	12	12	NUM
ajbmeb-1251	123	50	4	4	NUM
ajbmeb-1251	123	51	4	4	NUM
ajbmeb-1251	123	52	5	5	NUM
ajbmeb-1251	123	53	source	source	NOUN
ajbmeb-1251	123	54	:	:	PUNCT
ajbmeb-1251	123	55	prepared	prepare	VERB
ajbmeb-1251	123	56	by	by	ADP
ajbmeb-1251	123	57	the	the	DET
ajbmeb-1251	123	58	researchers	researcher	NOUN
ajbmeb-1251	123	59	based	base	VERB
ajbmeb-1251	123	60	on	on	ADP
ajbmeb-1251	123	61	the	the	DET
ajbmeb-1251	123	62	results	result	NOUN
ajbmeb-1251	123	63	of	of	ADP
ajbmeb-1251	123	64	the	the	DET
ajbmeb-1251	123	65	questionnaire	questionnaire	NOUN
ajbmeb-1251	123	66	.	.	PUNCT
ajbmeb-1251	124	1	research	research	NOUN
ajbmeb-1251	124	2	tools	tool	NOUN
ajbmeb-1251	124	3	:	:	PUNCT
ajbmeb-1251	124	4	the	the	DET
ajbmeb-1251	124	5	researchers	researcher	NOUN
ajbmeb-1251	124	6	primarily	primarily	ADV
ajbmeb-1251	124	7	relied	rely	VERB
ajbmeb-1251	124	8	on	on	ADP
ajbmeb-1251	124	9	a	a	DET
ajbmeb-1251	124	10	questionnaire	questionnaire	NOUN
ajbmeb-1251	124	11	as	as	SCONJ
ajbmeb-1251	124	12	the	the	DET
ajbmeb-1251	124	13	main	main	ADJ
ajbmeb-1251	124	14	data	datum	NOUN
ajbmeb-1251	124	15	collection	collection	NOUN
ajbmeb-1251	124	16	tool	tool	NOUN
ajbmeb-1251	124	17	to	to	PART
ajbmeb-1251	124	18	address	address	VERB
ajbmeb-1251	124	19	the	the	DET
ajbmeb-1251	124	20	research	research	NOUN
ajbmeb-1251	124	21	questions	question	NOUN
ajbmeb-1251	124	22	and	and	CCONJ
ajbmeb-1251	124	23	achieve	achieve	VERB
ajbmeb-1251	124	24	specific	specific	ADJ
ajbmeb-1251	124	25	objectives	objective	NOUN
ajbmeb-1251	124	26	.	.	PUNCT
ajbmeb-1251	125	1	the	the	DET
ajbmeb-1251	125	2	questionnaire	questionnaire	NOUN
ajbmeb-1251	125	3	was	be	AUX
ajbmeb-1251	125	4	divided	divide	VERB
ajbmeb-1251	125	5	into	into	ADP
ajbmeb-1251	125	6	two	two	NUM
ajbmeb-1251	125	7	main	main	ADJ
ajbmeb-1251	125	8	sections	section	NOUN
ajbmeb-1251	125	9	:	:	PUNCT
ajbmeb-1251	125	10	personal	personal	ADJ
ajbmeb-1251	125	11	information	information	NOUN
ajbmeb-1251	125	12	and	and	CCONJ
ajbmeb-1251	125	13	questions	question	NOUN
ajbmeb-1251	125	14	related	relate	VERB
ajbmeb-1251	125	15	to	to	ADP
ajbmeb-1251	125	16	the	the	DET
ajbmeb-1251	125	17	study	study	NOUN
ajbmeb-1251	125	18	variables	variable	NOUN
ajbmeb-1251	125	19	,	,	PUNCT
ajbmeb-1251	125	20	totaling	total	VERB
ajbmeb-1251	125	21	22	22	NUM
ajbmeb-1251	125	22	questions	question	NOUN
ajbmeb-1251	125	23	.	.	PUNCT
ajbmeb-1251	126	1	these	these	DET
ajbmeb-1251	126	2	questions	question	NOUN
ajbmeb-1251	126	3	were	be	AUX
ajbmeb-1251	126	4	further	far	ADV
ajbmeb-1251	126	5	categorized	categorize	VERB
ajbmeb-1251	126	6	into	into	ADP
ajbmeb-1251	126	7	12	12	NUM
ajbmeb-1251	126	8	items	item	NOUN
ajbmeb-1251	126	9	related	relate	VERB
ajbmeb-1251	126	10	to	to	ADP
ajbmeb-1251	126	11	modern	modern	ADJ
ajbmeb-1251	126	12	technologies	technology	NOUN
ajbmeb-1251	126	13	and	and	CCONJ
ajbmeb-1251	126	14	10	10	NUM
ajbmeb-1251	126	15	items	item	NOUN
ajbmeb-1251	126	16	related	relate	VERB
ajbmeb-1251	126	17	to	to	ADP
ajbmeb-1251	126	18	banking	banking	NOUN
ajbmeb-1251	126	19	profitability	profitability	NOUN
ajbmeb-1251	126	20	.	.	PUNCT
ajbmeb-1251	127	1	a	a	DET
ajbmeb-1251	127	2	likert	likert	ADJ
ajbmeb-1251	127	3	five	five	NUM
ajbmeb-1251	127	4	-	-	PUNCT
ajbmeb-1251	127	5	point	point	NOUN
ajbmeb-1251	127	6	scale	scale	NOUN
ajbmeb-1251	127	7	was	be	AUX
ajbmeb-1251	127	8	utilized	utilize	VERB
ajbmeb-1251	127	9	,	,	PUNCT
ajbmeb-1251	127	10	as	as	SCONJ
ajbmeb-1251	127	11	illustrated	illustrate	VERB
ajbmeb-1251	127	12	in	in	ADP
ajbmeb-1251	127	13	table	table	NOUN
ajbmeb-1251	127	14	2	2	NUM
ajbmeb-1251	127	15	.	.	PUNCT
ajbmeb-1251	127	16	table	table	NOUN
ajbmeb-1251	127	17	2	2	NUM
ajbmeb-1251	127	18	displays	display	VERB
ajbmeb-1251	127	19	the	the	DET
ajbmeb-1251	127	20	alternatives	alternative	NOUN
ajbmeb-1251	127	21	for	for	ADP
ajbmeb-1251	127	22	the	the	DET
ajbmeb-1251	127	23	likert	likert	ADJ
ajbmeb-1251	127	24	five	five	NUM
ajbmeb-1251	127	25	-	-	PUNCT
ajbmeb-1251	127	26	point	point	NOUN
ajbmeb-1251	127	27	scale	scale	NOUN
ajbmeb-1251	127	28	adopted	adopt	VERB
ajbmeb-1251	127	29	by	by	ADP
ajbmeb-1251	127	30	the	the	DET
ajbmeb-1251	127	31	researchers	researcher	NOUN
ajbmeb-1251	127	32	.	.	PUNCT
ajbmeb-1251	128	1	totally	totally	ADV
ajbmeb-1251	128	2	agree	agree	VERB
ajbmeb-1251	128	3	ok	ok	ADJ
ajbmeb-1251	128	4	neutral	neutral	ADJ
ajbmeb-1251	128	5	totally	totally	ADV
ajbmeb-1251	128	6	disagree	disagree	VERB
ajbmeb-1251	128	7	disagree	disagree	VERB
ajbmeb-1251	128	8	5	5	NUM
ajbmeb-1251	128	9	4	4	NUM
ajbmeb-1251	128	10	3	3	NUM
ajbmeb-1251	128	11	2	2	NUM
ajbmeb-1251	128	12	1	1	NUM
ajbmeb-1251	128	13	source	source	NOUN
ajbmeb-1251	128	14	:	:	PUNCT
ajbmeb-1251	128	15	prepared	prepare	VERB
ajbmeb-1251	128	16	by	by	ADP
ajbmeb-1251	128	17	the	the	DET
ajbmeb-1251	128	18	researchers	researcher	NOUN
ajbmeb-1251	128	19	.	.	PUNCT
ajbmeb-1251	129	1	statistical	statistical	ADJ
ajbmeb-1251	129	2	methods	method	NOUN
ajbmeb-1251	129	3	:	:	PUNCT
ajbmeb-1251	129	4	the	the	DET
ajbmeb-1251	129	5	researchers	researcher	NOUN
ajbmeb-1251	129	6	used	use	VERB
ajbmeb-1251	129	7	microsoft	microsoft	PROPN
ajbmeb-1251	129	8	excel	excel	VERB
ajbmeb-1251	129	9	to	to	PART
ajbmeb-1251	129	10	input	input	VERB
ajbmeb-1251	129	11	the	the	DET
ajbmeb-1251	129	12	questionnaire	questionnaire	NOUN
ajbmeb-1251	129	13	data	datum	NOUN
ajbmeb-1251	129	14	,	,	PUNCT
ajbmeb-1251	129	15	and	and	CCONJ
ajbmeb-1251	129	16	the	the	DET
ajbmeb-1251	129	17	statistical	statistical	ADJ
ajbmeb-1251	129	18	software	software	NOUN
ajbmeb-1251	129	19	spss	spss	PROPN
ajbmeb-1251	129	20	was	be	AUX
ajbmeb-1251	129	21	employed	employ	VERB
ajbmeb-1251	129	22	to	to	PART
ajbmeb-1251	129	23	extract	extract	VERB
ajbmeb-1251	129	24	and	and	CCONJ
ajbmeb-1251	129	25	interpret	interpret	VERB
ajbmeb-1251	129	26	the	the	DET
ajbmeb-1251	129	27	data	datum	NOUN
ajbmeb-1251	129	28	,	,	PUNCT
ajbmeb-1251	129	29	test	test	NOUN
ajbmeb-1251	129	30	hypotheses	hypothesis	NOUN
ajbmeb-1251	129	31	,	,	PUNCT
ajbmeb-1251	129	32	determine	determine	VERB
ajbmeb-1251	129	33	the	the	DET
ajbmeb-1251	129	34	sample	sample	NOUN
ajbmeb-1251	129	35	response	response	NOUN
ajbmeb-1251	129	36	rates	rate	NOUN
ajbmeb-1251	129	37	,	,	PUNCT
ajbmeb-1251	129	38	and	and	CCONJ
ajbmeb-1251	129	39	analyze	analyze	VERB
ajbmeb-1251	129	40	correlations	correlation	NOUN
ajbmeb-1251	129	41	and	and	CCONJ
ajbmeb-1251	129	42	variable	variable	NOUN
ajbmeb-1251	129	43	.	.	PUNCT
ajbmeb-1251	130	1	presentation	presentation	NOUN
ajbmeb-1251	130	2	and	and	CCONJ
ajbmeb-1251	130	3	analysis	analysis	NOUN
ajbmeb-1251	130	4	of	of	ADP
ajbmeb-1251	130	5	results	result	NOUN
ajbmeb-1251	130	6	:	:	PUNCT
ajbmeb-1251	130	7	descriptive	descriptive	ADJ
ajbmeb-1251	130	8	statistics	statistic	NOUN
ajbmeb-1251	130	9	of	of	ADP
ajbmeb-1251	130	10	participants	participant	NOUN
ajbmeb-1251	130	11	'	'	PART
ajbmeb-1251	130	12	personal	personal	ADJ
ajbmeb-1251	130	13	information	information	NOUN
ajbmeb-1251	130	14	:	:	PUNCT
ajbmeb-1251	130	15	table	table	NOUN
ajbmeb-1251	130	16	3	3	NUM
ajbmeb-1251	130	17	illustrates	illustrate	VERB
ajbmeb-1251	130	18	the	the	DET
ajbmeb-1251	130	19	distribution	distribution	NOUN
ajbmeb-1251	130	20	of	of	ADP
ajbmeb-1251	130	21	sample	sample	NOUN
ajbmeb-1251	130	22	participants	participant	NOUN
ajbmeb-1251	130	23	according	accord	VERB
ajbmeb-1251	130	24	to	to	ADP
ajbmeb-1251	130	25	the	the	DET
ajbmeb-1251	130	26	gender	gender	NOUN
ajbmeb-1251	130	27	variable	variable	NOUN
ajbmeb-1251	130	28	.	.	PUNCT
ajbmeb-1251	131	1	percentage	percentage	NOUN
ajbmeb-1251	131	2	%	%	NOUN
ajbmeb-1251	131	3	repetition	repetition	NOUN
ajbmeb-1251	131	4	gender	gender	NOUN
ajbmeb-1251	131	5	44	44	NUM
ajbmeb-1251	131	6	%	%	NOUN
ajbmeb-1251	131	7	11	11	NUM
ajbmeb-1251	131	8	male	male	NOUN
ajbmeb-1251	131	9	56	56	NUM
ajbmeb-1251	131	10	%	%	NOUN
ajbmeb-1251	131	11	14	14	NUM
ajbmeb-1251	131	12	female	female	NOUN
ajbmeb-1251	131	13	prepared	prepare	VERB
ajbmeb-1251	131	14	by	by	ADP
ajbmeb-1251	131	15	the	the	DET
ajbmeb-1251	131	16	researchers	researcher	NOUN
ajbmeb-1251	131	17	based	base	VERB
ajbmeb-1251	131	18	on	on	ADP
ajbmeb-1251	131	19	the	the	DET
ajbmeb-1251	131	20	program	program	NOUN
ajbmeb-1251	131	21	(	(	PUNCT
ajbmeb-1251	131	22	spss	spss	PROPN
ajbmeb-1251	131	23	)	)	PUNCT
ajbmeb-1251	131	24	.	.	PUNCT
ajbmeb-1251	132	1	american	american	PROPN
ajbmeb-1251	132	2	journal	journal	PROPN
ajbmeb-1251	132	3	of	of	ADP
ajbmeb-1251	132	4	business	business	NOUN
ajbmeb-1251	132	5	management	management	NOUN
ajbmeb-1251	132	6	,	,	PUNCT
ajbmeb-1251	132	7	economics	economic	NOUN
ajbmeb-1251	132	8	and	and	CCONJ
ajbmeb-1251	132	9	banking	banking	NOUN
ajbmeb-1251	132	10	volume	volume	NOUN
ajbmeb-1251	132	11	16	16	NUM
ajbmeb-1251	132	12	sep	sep	PROPN
ajbmeb-1251	132	13	,	,	PUNCT
ajbmeb-1251	132	14	2023	2023	NUM
ajbmeb-1251	132	15	p	p	NOUN
ajbmeb-1251	132	16	a	a	PRON
ajbmeb-1251	132	17	g	g	NOUN
ajbmeb-1251	132	18	e	e	PROPN
ajbmeb-1251	132	19	|	|	NOUN
ajbmeb-1251	132	20	239	239	NUM
ajbmeb-1251	132	21	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1251	132	22	table	table	NOUN
ajbmeb-1251	132	23	3	3	NUM
ajbmeb-1251	132	24	indicates	indicate	VERB
ajbmeb-1251	132	25	that	that	SCONJ
ajbmeb-1251	132	26	the	the	DET
ajbmeb-1251	132	27	majority	majority	NOUN
ajbmeb-1251	132	28	of	of	ADP
ajbmeb-1251	132	29	sample	sample	NOUN
ajbmeb-1251	132	30	participants	participant	NOUN
ajbmeb-1251	132	31	were	be	AUX
ajbmeb-1251	132	32	females	female	NOUN
ajbmeb-1251	132	33	,	,	PUNCT
ajbmeb-1251	132	34	comprising	comprise	VERB
ajbmeb-1251	132	35	56	56	NUM
ajbmeb-1251	132	36	%	%	NOUN
ajbmeb-1251	132	37	of	of	ADP
ajbmeb-1251	132	38	the	the	DET
ajbmeb-1251	132	39	total	total	NOUN
ajbmeb-1251	132	40	,	,	PUNCT
ajbmeb-1251	132	41	while	while	SCONJ
ajbmeb-1251	132	42	males	male	NOUN
ajbmeb-1251	132	43	accounted	account	VERB
ajbmeb-1251	132	44	for	for	ADP
ajbmeb-1251	132	45	44	44	NUM
ajbmeb-1251	132	46	%	%	NOUN
ajbmeb-1251	132	47	of	of	ADP
ajbmeb-1251	132	48	the	the	DET
ajbmeb-1251	132	49	research	research	NOUN
ajbmeb-1251	132	50	sample	sample	NOUN
ajbmeb-1251	132	51	.	.	PUNCT
ajbmeb-1251	133	1	this	this	PRON
ajbmeb-1251	133	2	suggests	suggest	VERB
ajbmeb-1251	133	3	that	that	SCONJ
ajbmeb-1251	133	4	females	female	NOUN
ajbmeb-1251	133	5	exhibit	exhibit	VERB
ajbmeb-1251	133	6	a	a	DET
ajbmeb-1251	133	7	greater	great	ADJ
ajbmeb-1251	133	8	interest	interest	NOUN
ajbmeb-1251	133	9	in	in	ADP
ajbmeb-1251	133	10	the	the	DET
ajbmeb-1251	133	11	use	use	NOUN
ajbmeb-1251	133	12	of	of	ADP
ajbmeb-1251	133	13	modern	modern	ADJ
ajbmeb-1251	133	14	technologies	technology	NOUN
ajbmeb-1251	133	15	compared	compare	VERB
ajbmeb-1251	133	16	to	to	ADP
ajbmeb-1251	133	17	males	male	NOUN
ajbmeb-1251	133	18	.	.	PUNCT
ajbmeb-1251	134	1	2age	2age	NUM
ajbmeb-1251	134	2	group	group	NOUN
ajbmeb-1251	134	3	:	:	PUNCT
ajbmeb-1251	134	4	table	table	NOUN
ajbmeb-1251	134	5	(	(	PUNCT
ajbmeb-1251	134	6	4	4	NUM
ajbmeb-1251	134	7	):	):	PUNCT
ajbmeb-1251	134	8	distribution	distribution	NOUN
ajbmeb-1251	134	9	of	of	ADP
ajbmeb-1251	134	10	sample	sample	NOUN
ajbmeb-1251	134	11	members	member	NOUN
ajbmeb-1251	134	12	according	accord	VERB
ajbmeb-1251	134	13	to	to	ADP
ajbmeb-1251	134	14	the	the	DET
ajbmeb-1251	134	15	age	age	NOUN
ajbmeb-1251	134	16	variable	variable	NOUN
ajbmeb-1251	134	17	.	.	PUNCT
ajbmeb-1251	135	1	prepared	prepare	VERB
ajbmeb-1251	135	2	by	by	ADP
ajbmeb-1251	135	3	the	the	DET
ajbmeb-1251	135	4	researchers	researcher	NOUN
ajbmeb-1251	135	5	based	base	VERB
ajbmeb-1251	135	6	on	on	ADP
ajbmeb-1251	135	7	the	the	DET
ajbmeb-1251	135	8	program	program	NOUN
ajbmeb-1251	135	9	(	(	PUNCT
ajbmeb-1251	135	10	spss	spss	ADJ
ajbmeb-1251	135	11	)	)	PUNCT
ajbmeb-1251	135	12	table	table	NOUN
ajbmeb-1251	135	13	4	4	NUM
ajbmeb-1251	135	14	indicates	indicate	VERB
ajbmeb-1251	135	15	that	that	SCONJ
ajbmeb-1251	135	16	the	the	DET
ajbmeb-1251	135	17	majority	majority	NOUN
ajbmeb-1251	135	18	of	of	ADP
ajbmeb-1251	135	19	sample	sample	NOUN
ajbmeb-1251	135	20	participants	participant	NOUN
ajbmeb-1251	135	21	fall	fall	VERB
ajbmeb-1251	135	22	within	within	ADP
ajbmeb-1251	135	23	the	the	DET
ajbmeb-1251	135	24	age	age	NOUN
ajbmeb-1251	135	25	range	range	NOUN
ajbmeb-1251	135	26	of	of	ADP
ajbmeb-1251	135	27	41	41	NUM
ajbmeb-1251	135	28	to	to	PART
ajbmeb-1251	135	29	50	50	NUM
ajbmeb-1251	135	30	years	year	NOUN
ajbmeb-1251	135	31	,	,	PUNCT
ajbmeb-1251	135	32	constituting	constitute	VERB
ajbmeb-1251	135	33	32	32	NUM
ajbmeb-1251	135	34	%	%	NOUN
ajbmeb-1251	135	35	of	of	ADP
ajbmeb-1251	135	36	the	the	DET
ajbmeb-1251	135	37	sample	sample	NOUN
ajbmeb-1251	135	38	,	,	PUNCT
ajbmeb-1251	135	39	followed	follow	VERB
ajbmeb-1251	135	40	by	by	ADP
ajbmeb-1251	135	41	those	those	PRON
ajbmeb-1251	135	42	aged	age	VERB
ajbmeb-1251	135	43	50	50	NUM
ajbmeb-1251	135	44	years	year	NOUN
ajbmeb-1251	135	45	and	and	CCONJ
ajbmeb-1251	135	46	above	above	ADV
ajbmeb-1251	135	47	,	,	PUNCT
ajbmeb-1251	135	48	comprising	comprise	VERB
ajbmeb-1251	135	49	28	28	NUM
ajbmeb-1251	135	50	%	%	NOUN
ajbmeb-1251	135	51	.	.	PUNCT
ajbmeb-1251	136	1	the	the	DET
ajbmeb-1251	136	2	age	age	NOUN
ajbmeb-1251	136	3	group	group	NOUN
ajbmeb-1251	136	4	of	of	ADP
ajbmeb-1251	136	5	20	20	NUM
ajbmeb-1251	136	6	to	to	PART
ajbmeb-1251	136	7	40	40	NUM
ajbmeb-1251	136	8	years	year	NOUN
ajbmeb-1251	136	9	had	have	VERB
ajbmeb-1251	136	10	the	the	DET
ajbmeb-1251	136	11	lowest	low	ADJ
ajbmeb-1251	136	12	response	response	NOUN
ajbmeb-1251	136	13	rate	rate	NOUN
ajbmeb-1251	136	14	to	to	ADP
ajbmeb-1251	136	15	the	the	DET
ajbmeb-1251	136	16	questions	question	NOUN
ajbmeb-1251	136	17	,	,	PUNCT
ajbmeb-1251	136	18	suggesting	suggest	VERB
ajbmeb-1251	136	19	that	that	SCONJ
ajbmeb-1251	136	20	modern	modern	ADJ
ajbmeb-1251	136	21	technology	technology	NOUN
ajbmeb-1251	136	22	has	have	AUX
ajbmeb-1251	136	23	garnered	garner	VERB
ajbmeb-1251	136	24	the	the	DET
ajbmeb-1251	136	25	interest	interest	NOUN
ajbmeb-1251	136	26	of	of	ADP
ajbmeb-1251	136	27	the	the	DET
ajbmeb-1251	136	28	older	old	ADJ
ajbmeb-1251	136	29	age	age	NOUN
ajbmeb-1251	136	30	group	group	NOUN
ajbmeb-1251	136	31	as	as	SCONJ
ajbmeb-1251	136	32	it	it	PRON
ajbmeb-1251	136	33	represents	represent	VERB
ajbmeb-1251	136	34	a	a	DET
ajbmeb-1251	136	35	new	new	ADJ
ajbmeb-1251	136	36	approach	approach	NOUN
ajbmeb-1251	136	37	to	to	ADP
ajbmeb-1251	136	38	modernity	modernity	NOUN
ajbmeb-1251	136	39	.	.	PUNCT
ajbmeb-1251	137	1	3educational	3educational	ADJ
ajbmeb-1251	137	2	qualification	qualification	NOUN
ajbmeb-1251	137	3	:	:	PUNCT
ajbmeb-1251	137	4	table	table	NOUN
ajbmeb-1251	137	5	(	(	PUNCT
ajbmeb-1251	137	6	5	5	NUM
ajbmeb-1251	137	7	):	):	PUNCT
ajbmeb-1251	137	8	distribution	distribution	NOUN
ajbmeb-1251	137	9	of	of	ADP
ajbmeb-1251	137	10	sample	sample	NOUN
ajbmeb-1251	137	11	members	member	NOUN
ajbmeb-1251	137	12	according	accord	VERB
ajbmeb-1251	137	13	to	to	ADP
ajbmeb-1251	137	14	the	the	DET
ajbmeb-1251	137	15	educational	educational	ADJ
ajbmeb-1251	137	16	qualification	qualification	NOUN
ajbmeb-1251	137	17	variable	variable	ADJ
ajbmeb-1251	137	18	percentage	percentage	NOUN
ajbmeb-1251	137	19	%	%	NOUN
ajbmeb-1251	137	20	repetition	repetition	NOUN
ajbmeb-1251	137	21	educational	educational	ADJ
ajbmeb-1251	137	22	qualification	qualification	NOUN
ajbmeb-1251	137	23	52	52	NUM
ajbmeb-1251	137	24	%	%	NOUN
ajbmeb-1251	137	25	13	13	NUM
ajbmeb-1251	137	26	diploma	diploma	NOUN
ajbmeb-1251	137	27	36	36	NUM
ajbmeb-1251	137	28	%	%	NOUN
ajbmeb-1251	137	29	9	9	NUM
ajbmeb-1251	137	30	bachelor	bachelor	NOUN
ajbmeb-1251	137	31	12	12	NUM
ajbmeb-1251	137	32	%	%	NOUN
ajbmeb-1251	137	33	3	3	NUM
ajbmeb-1251	137	34	master	master	NOUN
ajbmeb-1251	137	35	’s	’s	PART
ajbmeb-1251	137	36	prepared	prepare	VERB
ajbmeb-1251	137	37	by	by	ADP
ajbmeb-1251	137	38	the	the	DET
ajbmeb-1251	137	39	researchers	researcher	NOUN
ajbmeb-1251	137	40	based	base	VERB
ajbmeb-1251	137	41	on	on	ADP
ajbmeb-1251	137	42	the	the	DET
ajbmeb-1251	137	43	program	program	NOUN
ajbmeb-1251	137	44	(	(	PUNCT
ajbmeb-1251	137	45	spss	spss	PROPN
ajbmeb-1251	137	46	)	)	PUNCT
ajbmeb-1251	137	47	the	the	DET
ajbmeb-1251	137	48	data	datum	NOUN
ajbmeb-1251	137	49	reveals	reveal	VERB
ajbmeb-1251	137	50	that	that	SCONJ
ajbmeb-1251	137	51	the	the	DET
ajbmeb-1251	137	52	majority	majority	NOUN
ajbmeb-1251	137	53	of	of	ADP
ajbmeb-1251	137	54	individuals	individual	NOUN
ajbmeb-1251	137	55	within	within	ADP
ajbmeb-1251	137	56	the	the	DET
ajbmeb-1251	137	57	research	research	NOUN
ajbmeb-1251	137	58	sample	sample	NOUN
ajbmeb-1251	137	59	possess	possess	VERB
ajbmeb-1251	137	60	a	a	DET
ajbmeb-1251	137	61	diploma	diploma	NOUN
ajbmeb-1251	137	62	-	-	PUNCT
ajbmeb-1251	137	63	level	level	NOUN
ajbmeb-1251	137	64	qualification	qualification	NOUN
ajbmeb-1251	137	65	,	,	PUNCT
ajbmeb-1251	137	66	comprising	comprise	VERB
ajbmeb-1251	137	67	52	52	NUM
ajbmeb-1251	137	68	%	%	NOUN
ajbmeb-1251	137	69	of	of	ADP
ajbmeb-1251	137	70	the	the	DET
ajbmeb-1251	137	71	cohort	cohort	NOUN
ajbmeb-1251	137	72	.	.	PUNCT
ajbmeb-1251	138	1	in	in	ADP
ajbmeb-1251	138	2	contrast	contrast	NOUN
ajbmeb-1251	138	3	,	,	PUNCT
ajbmeb-1251	138	4	those	those	DET
ajbmeb-1251	138	5	holding	hold	VERB
ajbmeb-1251	138	6	bachelor	bachelor	NOUN
ajbmeb-1251	138	7	’s	’s	PART
ajbmeb-1251	138	8	degrees	degree	NOUN
ajbmeb-1251	138	9	account	account	VERB
ajbmeb-1251	138	10	for	for	ADP
ajbmeb-1251	138	11	36	36	NUM
ajbmeb-1251	138	12	%	%	NOUN
ajbmeb-1251	138	13	,	,	PUNCT
ajbmeb-1251	138	14	while	while	SCONJ
ajbmeb-1251	138	15	individuals	individual	NOUN
ajbmeb-1251	138	16	with	with	ADP
ajbmeb-1251	138	17	master	master	NOUN
ajbmeb-1251	138	18	’s	’s	PART
ajbmeb-1251	138	19	degrees	degree	NOUN
ajbmeb-1251	138	20	constitute	constitute	VERB
ajbmeb-1251	138	21	12	12	NUM
ajbmeb-1251	138	22	%	%	NOUN
ajbmeb-1251	138	23	.	.	PUNCT
ajbmeb-1251	139	1	this	this	DET
ajbmeb-1251	139	2	data	data	NOUN
ajbmeb-1251	139	3	underscores	underscore	VERB
ajbmeb-1251	139	4	that	that	SCONJ
ajbmeb-1251	139	5	a	a	DET
ajbmeb-1251	139	6	significant	significant	ADJ
ajbmeb-1251	139	7	proportion	proportion	NOUN
ajbmeb-1251	139	8	of	of	ADP
ajbmeb-1251	139	9	the	the	DET
ajbmeb-1251	139	10	research	research	NOUN
ajbmeb-1251	139	11	sample	sample	NOUN
ajbmeb-1251	139	12	comprises	comprise	VERB
ajbmeb-1251	139	13	individuals	individual	NOUN
ajbmeb-1251	139	14	with	with	ADP
ajbmeb-1251	139	15	lower	low	ADJ
ajbmeb-1251	139	16	-	-	PUNCT
ajbmeb-1251	139	17	level	level	NOUN
ajbmeb-1251	139	18	university	university	NOUN
ajbmeb-1251	139	19	qualifications	qualification	NOUN
ajbmeb-1251	139	20	.	.	PUNCT
ajbmeb-1251	140	1	4	4	NUM
ajbmeb-1251	140	2	–	–	PUNCT
ajbmeb-1251	140	3	years	year	NOUN
ajbmeb-1251	140	4	of	of	ADP
ajbmeb-1251	140	5	experience	experience	NOUN
ajbmeb-1251	140	6	:	:	PUNCT
ajbmeb-1251	140	7	table	table	NOUN
ajbmeb-1251	140	8	(	(	PUNCT
ajbmeb-1251	140	9	6	6	NUM
ajbmeb-1251	140	10	):	):	PUNCT
ajbmeb-1251	140	11	distribution	distribution	NOUN
ajbmeb-1251	140	12	of	of	ADP
ajbmeb-1251	140	13	sample	sample	NOUN
ajbmeb-1251	140	14	members	member	NOUN
ajbmeb-1251	140	15	according	accord	VERB
ajbmeb-1251	140	16	to	to	ADP
ajbmeb-1251	140	17	the	the	DET
ajbmeb-1251	140	18	years	year	NOUN
ajbmeb-1251	140	19	of	of	ADP
ajbmeb-1251	140	20	experience	experience	NOUN
ajbmeb-1251	140	21	variable	variable	ADJ
ajbmeb-1251	140	22	percentage	percentage	NOUN
ajbmeb-1251	140	23	%	%	NOUN
ajbmeb-1251	140	24	repetition	repetition	NOUN
ajbmeb-1251	140	25	years	year	NOUN
ajbmeb-1251	140	26	of	of	ADP
ajbmeb-1251	140	27	experience	experience	NOUN
ajbmeb-1251	140	28	48	48	NUM
ajbmeb-1251	140	29	%	%	NOUN
ajbmeb-1251	140	30	12	12	NUM
ajbmeb-1251	140	31	less	less	ADJ
ajbmeb-1251	140	32	than	than	ADP
ajbmeb-1251	140	33	3	3	NUM
ajbmeb-1251	140	34	years	year	NOUN
ajbmeb-1251	140	35	16	16	NUM
ajbmeb-1251	140	36	%	%	NOUN
ajbmeb-1251	140	37	4	4	NUM
ajbmeb-1251	140	38	3	3	NUM
ajbmeb-1251	140	39	–	–	PUNCT
ajbmeb-1251	140	40	6	6	NUM
ajbmeb-1251	140	41	16	16	NUM
ajbmeb-1251	140	42	%	%	NOUN
ajbmeb-1251	140	43	4	4	NUM
ajbmeb-1251	140	44	6	6	NUM
ajbmeb-1251	140	45	–	–	PUNCT
ajbmeb-1251	140	46	9	9	NUM
ajbmeb-1251	140	47	20	20	NUM
ajbmeb-1251	140	48	%	%	NOUN
ajbmeb-1251	140	49	5	5	NUM
ajbmeb-1251	140	50	9	9	NUM
ajbmeb-1251	140	51	or	or	CCONJ
ajbmeb-1251	140	52	more	more	ADV
ajbmeb-1251	140	53	prepared	prepare	VERB
ajbmeb-1251	140	54	by	by	ADP
ajbmeb-1251	140	55	the	the	DET
ajbmeb-1251	140	56	researchers	researcher	NOUN
ajbmeb-1251	140	57	based	base	VERB
ajbmeb-1251	140	58	on	on	ADP
ajbmeb-1251	140	59	the	the	DET
ajbmeb-1251	140	60	program	program	NOUN
ajbmeb-1251	140	61	(	(	PUNCT
ajbmeb-1251	140	62	spss	spss	PROPN
ajbmeb-1251	140	63	)	)	PUNCT
ajbmeb-1251	140	64	through	through	ADP
ajbmeb-1251	140	65	table	table	NOUN
ajbmeb-1251	140	66	5	5	NUM
ajbmeb-1251	140	67	,	,	PUNCT
ajbmeb-1251	140	68	we	we	PRON
ajbmeb-1251	140	69	observe	observe	VERB
ajbmeb-1251	140	70	that	that	SCONJ
ajbmeb-1251	140	71	individuals	individual	NOUN
ajbmeb-1251	140	72	within	within	ADP
ajbmeb-1251	140	73	the	the	DET
ajbmeb-1251	140	74	sample	sample	NOUN
ajbmeb-1251	140	75	with	with	ADP
ajbmeb-1251	140	76	less	less	ADJ
ajbmeb-1251	140	77	than	than	ADP
ajbmeb-1251	140	78	3	3	NUM
ajbmeb-1251	140	79	years	year	NOUN
ajbmeb-1251	140	80	of	of	ADP
ajbmeb-1251	140	81	experience	experience	NOUN
ajbmeb-1251	140	82	constitute	constitute	VERB
ajbmeb-1251	140	83	48	48	NUM
ajbmeb-1251	140	84	%	%	NOUN
ajbmeb-1251	140	85	of	of	ADP
ajbmeb-1251	140	86	the	the	DET
ajbmeb-1251	140	87	group	group	NOUN
ajbmeb-1251	140	88	.	.	PUNCT
ajbmeb-1251	141	1	they	they	PRON
ajbmeb-1251	141	2	are	be	AUX
ajbmeb-1251	141	3	followed	follow	VERB
ajbmeb-1251	141	4	by	by	ADP
ajbmeb-1251	141	5	individuals	individual	NOUN
ajbmeb-1251	141	6	with	with	ADP
ajbmeb-1251	141	7	9	9	NUM
ajbmeb-1251	141	8	years	year	NOUN
ajbmeb-1251	141	9	of	of	ADP
ajbmeb-1251	141	10	experience	experience	NOUN
ajbmeb-1251	141	11	or	or	CCONJ
ajbmeb-1251	141	12	more	more	ADJ
ajbmeb-1251	141	13	,	,	PUNCT
ajbmeb-1251	141	14	accounting	account	VERB
ajbmeb-1251	141	15	for	for	ADP
ajbmeb-1251	141	16	20	20	NUM
ajbmeb-1251	141	17	%	%	NOUN
ajbmeb-1251	141	18	.	.	PUNCT
ajbmeb-1251	142	1	percentage	percentage	NOUN
ajbmeb-1251	142	2	%	%	NOUN
ajbmeb-1251	142	3	repetition	repetition	NOUN
ajbmeb-1251	142	4	age	age	NOUN
ajbmeb-1251	142	5	group	group	NOUN
ajbmeb-1251	142	6	20	20	NUM
ajbmeb-1251	142	7	%	%	NOUN
ajbmeb-1251	142	8	5	5	NUM
ajbmeb-1251	142	9	20	20	NUM
ajbmeb-1251	142	10	–	–	PUNCT
ajbmeb-1251	142	11	30	30	NUM
ajbmeb-1251	142	12	20	20	NUM
ajbmeb-1251	142	13	%	%	NOUN
ajbmeb-1251	142	14	5	5	NUM
ajbmeb-1251	142	15	31	31	NUM
ajbmeb-1251	142	16	–	–	PUNCT
ajbmeb-1251	142	17	40	40	NUM
ajbmeb-1251	142	18	32	32	NUM
ajbmeb-1251	142	19	%	%	NOUN
ajbmeb-1251	142	20	8	8	NUM
ajbmeb-1251	142	21	41	41	NUM
ajbmeb-1251	142	22	–	–	PUNCT
ajbmeb-1251	142	23	50	50	NUM
ajbmeb-1251	142	24	28	28	NUM
ajbmeb-1251	142	25	%	%	NOUN
ajbmeb-1251	142	26	7	7	NUM
ajbmeb-1251	142	27	50	50	NUM
ajbmeb-1251	142	28	or	or	CCONJ
ajbmeb-1251	142	29	more	more	ADJ
ajbmeb-1251	142	30	american	american	ADJ
ajbmeb-1251	142	31	journal	journal	PROPN
ajbmeb-1251	142	32	of	of	ADP
ajbmeb-1251	142	33	business	business	NOUN
ajbmeb-1251	142	34	management	management	NOUN
ajbmeb-1251	142	35	,	,	PUNCT
ajbmeb-1251	142	36	economics	economic	NOUN
ajbmeb-1251	142	37	and	and	CCONJ
ajbmeb-1251	142	38	banking	banking	NOUN
ajbmeb-1251	142	39	volume	volume	NOUN
ajbmeb-1251	142	40	16	16	NUM
ajbmeb-1251	142	41	sep	sep	PROPN
ajbmeb-1251	142	42	,	,	PUNCT
ajbmeb-1251	142	43	2023	2023	NUM
ajbmeb-1251	142	44	p	p	NOUN
ajbmeb-1251	142	45	a	a	PRON
ajbmeb-1251	142	46	g	g	NOUN
ajbmeb-1251	142	47	e	e	NOUN
ajbmeb-1251	142	48	|	|	ADV
ajbmeb-1251	142	49	240	240	NUM
ajbmeb-1251	142	50	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1251	142	51	5	5	NUM
ajbmeb-1251	142	52	–	–	PUNCT
ajbmeb-1251	142	53	job	job	NOUN
ajbmeb-1251	142	54	position	position	NOUN
ajbmeb-1251	142	55	:	:	PUNCT
ajbmeb-1251	142	56	table	table	NOUN
ajbmeb-1251	142	57	7	7	NUM
ajbmeb-1251	142	58	illustrates	illustrate	VERB
ajbmeb-1251	142	59	the	the	DET
ajbmeb-1251	142	60	distribution	distribution	NOUN
ajbmeb-1251	142	61	of	of	ADP
ajbmeb-1251	142	62	individuals	individual	NOUN
ajbmeb-1251	142	63	within	within	ADP
ajbmeb-1251	142	64	the	the	DET
ajbmeb-1251	142	65	sample	sample	NOUN
ajbmeb-1251	142	66	based	base	VERB
ajbmeb-1251	142	67	on	on	ADP
ajbmeb-1251	142	68	their	their	PRON
ajbmeb-1251	142	69	job	job	NOUN
ajbmeb-1251	142	70	positions	position	NOUN
ajbmeb-1251	142	71	.	.	PUNCT
ajbmeb-1251	143	1	prepared	prepare	VERB
ajbmeb-1251	143	2	by	by	ADP
ajbmeb-1251	143	3	the	the	DET
ajbmeb-1251	143	4	researchers	researcher	NOUN
ajbmeb-1251	143	5	based	base	VERB
ajbmeb-1251	143	6	on	on	ADP
ajbmeb-1251	143	7	the	the	DET
ajbmeb-1251	143	8	program	program	NOUN
ajbmeb-1251	143	9	(	(	PUNCT
ajbmeb-1251	143	10	spss	spss	PROPN
ajbmeb-1251	143	11	)	)	PUNCT
ajbmeb-1251	143	12	we	we	PRON
ajbmeb-1251	143	13	notice	notice	VERB
ajbmeb-1251	143	14	from	from	ADP
ajbmeb-1251	143	15	table	table	NOUN
ajbmeb-1251	143	16	7	7	NUM
ajbmeb-1251	143	17	that	that	SCONJ
ajbmeb-1251	143	18	the	the	DET
ajbmeb-1251	143	19	majority	majority	NOUN
ajbmeb-1251	143	20	of	of	ADP
ajbmeb-1251	143	21	the	the	DET
ajbmeb-1251	143	22	research	research	NOUN
ajbmeb-1251	143	23	sample	sample	NOUN
ajbmeb-1251	143	24	consists	consist	VERB
ajbmeb-1251	143	25	of	of	ADP
ajbmeb-1251	143	26	employees	employee	NOUN
ajbmeb-1251	143	27	,	,	PUNCT
ajbmeb-1251	143	28	accounting	account	VERB
ajbmeb-1251	143	29	for	for	ADP
ajbmeb-1251	143	30	92	92	NUM
ajbmeb-1251	143	31	%	%	NOUN
ajbmeb-1251	143	32	,	,	PUNCT
ajbmeb-1251	143	33	which	which	PRON
ajbmeb-1251	143	34	is	be	AUX
ajbmeb-1251	143	35	the	the	DET
ajbmeb-1251	143	36	largest	large	ADJ
ajbmeb-1251	143	37	proportion	proportion	NOUN
ajbmeb-1251	143	38	of	of	ADP
ajbmeb-1251	143	39	the	the	DET
ajbmeb-1251	143	40	sample	sample	NOUN
ajbmeb-1251	143	41	.	.	PUNCT
ajbmeb-1251	144	1	following	follow	VERB
ajbmeb-1251	144	2	that	that	PRON
ajbmeb-1251	144	3	,	,	PUNCT
ajbmeb-1251	144	4	the	the	DET
ajbmeb-1251	144	5	department	department	NOUN
ajbmeb-1251	144	6	heads	head	VERB
ajbmeb-1251	144	7	make	make	VERB
ajbmeb-1251	144	8	up	up	ADP
ajbmeb-1251	144	9	8	8	NUM
ajbmeb-1251	144	10	%	%	NOUN
ajbmeb-1251	144	11	of	of	ADP
ajbmeb-1251	144	12	the	the	DET
ajbmeb-1251	144	13	total	total	NOUN
ajbmeb-1251	144	14	.	.	PUNCT
ajbmeb-1251	145	1	secondly	secondly	ADV
ajbmeb-1251	145	2	,	,	PUNCT
ajbmeb-1251	145	3	addressing	address	VERB
ajbmeb-1251	145	4	the	the	DET
ajbmeb-1251	145	5	research	research	NOUN
ajbmeb-1251	145	6	hypotheses	hypothesis	NOUN
ajbmeb-1251	145	7	:	:	PUNCT
ajbmeb-1251	145	8	1	1	X
ajbmeb-1251	145	9	.	.	PUNCT
ajbmeb-1251	145	10	is	be	AUX
ajbmeb-1251	145	11	there	there	PRON
ajbmeb-1251	145	12	a	a	DET
ajbmeb-1251	145	13	correlation	correlation	NOUN
ajbmeb-1251	145	14	between	between	ADP
ajbmeb-1251	145	15	modern	modern	ADJ
ajbmeb-1251	145	16	technologies	technology	NOUN
ajbmeb-1251	145	17	and	and	CCONJ
ajbmeb-1251	145	18	bank	bank	NOUN
ajbmeb-1251	145	19	profitability	profitability	NOUN
ajbmeb-1251	145	20	?	?	PUNCT
ajbmeb-1251	146	1	table	table	NOUN
ajbmeb-1251	146	2	(	(	PUNCT
ajbmeb-1251	146	3	8)	8)	NUM
ajbmeb-1251	146	4	:	:	PUNCT
ajbmeb-1251	146	5	the	the	DET
ajbmeb-1251	146	6	correlation	correlation	NOUN
ajbmeb-1251	146	7	between	between	ADP
ajbmeb-1251	146	8	the	the	DET
ajbmeb-1251	146	9	independent	independent	ADJ
ajbmeb-1251	146	10	variable	variable	NOUN
ajbmeb-1251	146	11	(	(	PUNCT
ajbmeb-1251	146	12	modern	modern	ADJ
ajbmeb-1251	146	13	technologies	technology	NOUN
ajbmeb-1251	146	14	)	)	PUNCT
ajbmeb-1251	146	15	and	and	CCONJ
ajbmeb-1251	146	16	the	the	DET
ajbmeb-1251	146	17	dependent	dependent	ADJ
ajbmeb-1251	146	18	variable	variable	NOUN
ajbmeb-1251	146	19	(	(	PUNCT
ajbmeb-1251	146	20	bank	bank	NOUN
ajbmeb-1251	146	21	profitability	profitability	NOUN
ajbmeb-1251	146	22	):	):	PUNCT
ajbmeb-1251	146	23	dependent	dependent	ADJ
ajbmeb-1251	146	24	variable	variable	ADJ
ajbmeb-1251	146	25	independent	independent	ADJ
ajbmeb-1251	146	26	variable	variable	ADJ
ajbmeb-1251	146	27	bank	bank	NOUN
ajbmeb-1251	146	28	profitability	profitability	NOUN
ajbmeb-1251	146	29	modern	modern	ADJ
ajbmeb-1251	146	30	techniques	technique	NOUN
ajbmeb-1251	146	31	degree	degree	NOUN
ajbmeb-1251	146	32	of	of	ADP
ajbmeb-1251	146	33	correlation	correlation	NOUN
ajbmeb-1251	146	34	.890	.890	NOUN
ajbmeb-1251	146	35	*	*	PUNCT
ajbmeb-1251	146	36	*	*	PUNCT
ajbmeb-1251	146	37	(	(	PUNCT
ajbmeb-1251	146	38	(	(	PUNCT
ajbmeb-1251	146	39	moral	moral	ADJ
ajbmeb-1251	146	40	level	level	NOUN
ajbmeb-1251	146	41	sig	sig	NOUN
ajbmeb-1251	146	42	.	.	PUNCT
ajbmeb-1251	146	43	)	)	PUNCT
ajbmeb-1251	146	44	)	)	PUNCT
ajbmeb-1251	147	1	.000	.000	NUM
ajbmeb-1251	147	2	sample	sample	NOUN
ajbmeb-1251	147	3	volume	volume	NOUN
ajbmeb-1251	147	4	25	25	NUM
ajbmeb-1251	147	5	*	*	PUNCT
ajbmeb-1251	147	6	the	the	DET
ajbmeb-1251	147	7	correlation	correlation	NOUN
ajbmeb-1251	147	8	is	be	AUX
ajbmeb-1251	147	9	significant	significant	ADJ
ajbmeb-1251	147	10	at	at	ADP
ajbmeb-1251	147	11	the	the	DET
ajbmeb-1251	147	12	level	level	NOUN
ajbmeb-1251	147	13	of	of	ADP
ajbmeb-1251	147	14	0.05	0.05	NUM
ajbmeb-1251	147	15	*	*	PUNCT
ajbmeb-1251	147	16	*	*	PUNCT
ajbmeb-1251	147	17	the	the	DET
ajbmeb-1251	147	18	correlation	correlation	NOUN
ajbmeb-1251	147	19	is	be	AUX
ajbmeb-1251	147	20	significant	significant	ADJ
ajbmeb-1251	147	21	at	at	ADP
ajbmeb-1251	147	22	the	the	DET
ajbmeb-1251	147	23	level	level	NOUN
ajbmeb-1251	147	24	of	of	ADP
ajbmeb-1251	147	25	0.01	0.01	NUM
ajbmeb-1251	147	26	.890	.890	NUM
ajbmeb-1251	147	27	*	*	PUNCT
ajbmeb-1251	147	28	*	*	PUNCT
ajbmeb-1251	147	29	prepared	prepare	VERB
ajbmeb-1251	147	30	by	by	ADP
ajbmeb-1251	147	31	the	the	DET
ajbmeb-1251	147	32	researchers	researcher	NOUN
ajbmeb-1251	147	33	based	base	VERB
ajbmeb-1251	147	34	on	on	ADP
ajbmeb-1251	147	35	the	the	DET
ajbmeb-1251	147	36	program	program	NOUN
ajbmeb-1251	147	37	(	(	PUNCT
ajbmeb-1251	147	38	spss	spss	PROPN
ajbmeb-1251	147	39	)	)	PUNCT
ajbmeb-1251	147	40	.	.	PUNCT
ajbmeb-1251	148	1	interpreting	interpret	VERB
ajbmeb-1251	148	2	this	this	DET
ajbmeb-1251	148	3	data	data	NOUN
ajbmeb-1251	148	4	reveals	reveal	VERB
ajbmeb-1251	148	5	a	a	DET
ajbmeb-1251	148	6	clear	clear	ADJ
ajbmeb-1251	148	7	correlation	correlation	NOUN
ajbmeb-1251	148	8	between	between	ADP
ajbmeb-1251	148	9	modern	modern	ADJ
ajbmeb-1251	148	10	technologies	technology	NOUN
ajbmeb-1251	148	11	and	and	CCONJ
ajbmeb-1251	148	12	bank	bank	NOUN
ajbmeb-1251	148	13	profitability	profitability	NOUN
ajbmeb-1251	148	14	.	.	PUNCT
ajbmeb-1251	149	1	this	this	DET
ajbmeb-1251	149	2	assertion	assertion	NOUN
ajbmeb-1251	149	3	is	be	AUX
ajbmeb-1251	149	4	substantiated	substantiate	VERB
ajbmeb-1251	149	5	by	by	ADP
ajbmeb-1251	149	6	the	the	DET
ajbmeb-1251	149	7	correlation	correlation	NOUN
ajbmeb-1251	149	8	coefficient	coefficient	NOUN
ajbmeb-1251	149	9	,	,	PUNCT
ajbmeb-1251	149	10	which	which	PRON
ajbmeb-1251	149	11	stands	stand	VERB
ajbmeb-1251	149	12	at	at	ADP
ajbmeb-1251	149	13	0.890	0.890	NUM
ajbmeb-1251	149	14	with	with	ADP
ajbmeb-1251	149	15	an	an	DET
ajbmeb-1251	149	16	associated	associated	ADJ
ajbmeb-1251	149	17	p	p	NOUN
ajbmeb-1251	149	18	-	-	PUNCT
ajbmeb-1251	149	19	value	value	NOUN
ajbmeb-1251	149	20	of	of	ADP
ajbmeb-1251	149	21	0.000	0.000	NUM
ajbmeb-1251	149	22	,	,	PUNCT
ajbmeb-1251	149	23	indicating	indicate	VERB
ajbmeb-1251	149	24	high	high	ADJ
ajbmeb-1251	149	25	statistical	statistical	ADJ
ajbmeb-1251	149	26	significance	significance	NOUN
ajbmeb-1251	149	27	.	.	PUNCT
ajbmeb-1251	150	1	this	this	DET
ajbmeb-1251	150	2	relationship	relationship	NOUN
ajbmeb-1251	150	3	underscores	underscore	VERB
ajbmeb-1251	150	4	that	that	SCONJ
ajbmeb-1251	150	5	modern	modern	ADJ
ajbmeb-1251	150	6	technologies	technology	NOUN
ajbmeb-1251	150	7	,	,	PUNCT
ajbmeb-1251	150	8	through	through	ADP
ajbmeb-1251	150	9	their	their	PRON
ajbmeb-1251	150	10	provision	provision	NOUN
ajbmeb-1251	150	11	of	of	ADP
ajbmeb-1251	150	12	sophisticated	sophisticated	ADJ
ajbmeb-1251	150	13	services	service	NOUN
ajbmeb-1251	150	14	and	and	CCONJ
ajbmeb-1251	150	15	systems	system	NOUN
ajbmeb-1251	150	16	,	,	PUNCT
ajbmeb-1251	150	17	play	play	VERB
ajbmeb-1251	150	18	a	a	DET
ajbmeb-1251	150	19	pivotal	pivotal	ADJ
ajbmeb-1251	150	20	role	role	NOUN
ajbmeb-1251	150	21	in	in	ADP
ajbmeb-1251	150	22	augmenting	augment	VERB
ajbmeb-1251	150	23	bank	bank	NOUN
ajbmeb-1251	150	24	profits	profit	NOUN
ajbmeb-1251	150	25	.	.	PUNCT
ajbmeb-1251	151	1	this	this	DET
ajbmeb-1251	151	2	augmentation	augmentation	NOUN
ajbmeb-1251	151	3	encompasses	encompass	VERB
ajbmeb-1251	151	4	aspects	aspect	NOUN
ajbmeb-1251	151	5	such	such	ADJ
ajbmeb-1251	151	6	as	as	ADP
ajbmeb-1251	151	7	precision	precision	NOUN
ajbmeb-1251	151	8	,	,	PUNCT
ajbmeb-1251	151	9	swiftness	swiftness	NOUN
ajbmeb-1251	151	10	,	,	PUNCT
ajbmeb-1251	151	11	efficiency	efficiency	NOUN
ajbmeb-1251	151	12	,	,	PUNCT
ajbmeb-1251	151	13	and	and	CCONJ
ajbmeb-1251	151	14	time	time	NOUN
ajbmeb-1251	151	15	-	-	PUNCT
ajbmeb-1251	151	16	saving	saving	NOUN
ajbmeb-1251	151	17	.	.	PUNCT
ajbmeb-1251	152	1	consequently	consequently	ADV
ajbmeb-1251	152	2	,	,	PUNCT
ajbmeb-1251	152	3	this	this	DET
ajbmeb-1251	152	4	statistical	statistical	ADJ
ajbmeb-1251	152	5	evidence	evidence	NOUN
ajbmeb-1251	152	6	firmly	firmly	ADV
ajbmeb-1251	152	7	validates	validate	VERB
ajbmeb-1251	152	8	the	the	DET
ajbmeb-1251	152	9	initial	initial	ADJ
ajbmeb-1251	152	10	hypothesis	hypothesis	NOUN
ajbmeb-1251	152	11	.	.	PUNCT
ajbmeb-1251	153	1	2	2	X
ajbmeb-1251	153	2	.	.	X
ajbmeb-1251	153	3	does	do	AUX
ajbmeb-1251	153	4	a	a	DET
ajbmeb-1251	153	5	significant	significant	ADJ
ajbmeb-1251	153	6	causative	causative	ADJ
ajbmeb-1251	153	7	relationship	relationship	NOUN
ajbmeb-1251	153	8	exist	exist	VERB
ajbmeb-1251	153	9	,	,	PUNCT
ajbmeb-1251	153	10	at	at	ADP
ajbmeb-1251	153	11	a	a	DET
ajbmeb-1251	153	12	significance	significance	NOUN
ajbmeb-1251	153	13	level	level	NOUN
ajbmeb-1251	153	14	of	of	ADP
ajbmeb-1251	153	15	0.05	0.05	NUM
ajbmeb-1251	153	16	,	,	PUNCT
ajbmeb-1251	153	17	between	between	ADP
ajbmeb-1251	153	18	modern	modern	ADJ
ajbmeb-1251	153	19	technologies	technology	NOUN
ajbmeb-1251	153	20	and	and	CCONJ
ajbmeb-1251	153	21	bank	bank	NOUN
ajbmeb-1251	153	22	profitability	profitability	NOUN
ajbmeb-1251	153	23	performance	performance	NOUN
ajbmeb-1251	153	24	?	?	PUNCT
ajbmeb-1251	154	1	table	table	NOUN
ajbmeb-1251	154	2	9	9	NUM
ajbmeb-1251	154	3	elucidates	elucidate	VERB
ajbmeb-1251	154	4	the	the	DET
ajbmeb-1251	154	5	presence	presence	NOUN
ajbmeb-1251	154	6	of	of	ADP
ajbmeb-1251	154	7	a	a	DET
ajbmeb-1251	154	8	noteworthy	noteworthy	ADJ
ajbmeb-1251	154	9	causal	causal	ADJ
ajbmeb-1251	154	10	relationship	relationship	NOUN
ajbmeb-1251	154	11	between	between	ADP
ajbmeb-1251	154	12	modern	modern	ADJ
ajbmeb-1251	154	13	technologies	technology	NOUN
ajbmeb-1251	154	14	and	and	CCONJ
ajbmeb-1251	154	15	bank	bank	NOUN
ajbmeb-1251	154	16	profitability	profitability	NOUN
ajbmeb-1251	154	17	.	.	PUNCT
ajbmeb-1251	155	1	table	table	NOUN
ajbmeb-1251	155	2	(	(	PUNCT
ajbmeb-1251	155	3	9	9	NUM
ajbmeb-1251	155	4	):	):	PUNCT
ajbmeb-1251	155	5	the	the	DET
ajbmeb-1251	155	6	causal	causal	ADJ
ajbmeb-1251	155	7	impact	impact	NOUN
ajbmeb-1251	155	8	relationship	relationship	NOUN
ajbmeb-1251	155	9	between	between	ADP
ajbmeb-1251	155	10	the	the	DET
ajbmeb-1251	155	11	research	research	NOUN
ajbmeb-1251	155	12	variables	variable	NOUN
ajbmeb-1251	155	13	.	.	PUNCT
ajbmeb-1251	156	1	variables	variable	NOUN
ajbmeb-1251	156	2	t	t	PROPN
ajbmeb-1251	156	3	f	f	PROPN
ajbmeb-1251	156	4	r2	r2	PROPN
ajbmeb-1251	156	5	significance	significance	NOUN
ajbmeb-1251	156	6	level	level	VERB
ajbmeb-1251	156	7	independent	independent	ADJ
ajbmeb-1251	156	8	variable	variable	ADJ
ajbmeb-1251	156	9	value	value	NOUN
ajbmeb-1251	156	10	t	t	NOUN
ajbmeb-1251	156	11	calculated	calculate	VERB
ajbmeb-1251	156	12	value	value	NOUN
ajbmeb-1251	156	13	t	t	PROPN
ajbmeb-1251	156	14	tabular	tabular	PROPN
ajbmeb-1251	156	15	valuet	valuet	NOUN
ajbmeb-1251	156	16	calculated	calculate	VERB
ajbmeb-1251	156	17	value	value	NOUN
ajbmeb-1251	156	18	t	t	PROPN
ajbmeb-1251	156	19	tabular	tabular	VERB
ajbmeb-1251	156	20	0.729	0.729	NUM
ajbmeb-1251	156	21	0.05	0.05	NUM
ajbmeb-1251	156	22	dependent	dependent	ADJ
ajbmeb-1251	156	23	variable	variable	NOUN
ajbmeb-1251	156	24	2.823	2.823	NUM
ajbmeb-1251	156	25	1.711	1.711	NUM
ajbmeb-1251	156	26	7.409	7.409	NUM
ajbmeb-1251	156	27	1.964	1.964	NUM
ajbmeb-1251	156	28	prepared	prepare	VERB
ajbmeb-1251	156	29	by	by	ADP
ajbmeb-1251	156	30	the	the	DET
ajbmeb-1251	156	31	researchers	researcher	NOUN
ajbmeb-1251	156	32	based	base	VERB
ajbmeb-1251	156	33	on	on	ADP
ajbmeb-1251	156	34	the	the	DET
ajbmeb-1251	156	35	program	program	NOUN
ajbmeb-1251	156	36	(	(	PUNCT
ajbmeb-1251	156	37	spss	spss	ADJ
ajbmeb-1251	156	38	)	)	PUNCT
ajbmeb-1251	156	39	percentage	percentage	NOUN
ajbmeb-1251	156	40	%	%	NOUN
ajbmeb-1251	156	41	repetition	repetition	NOUN
ajbmeb-1251	156	42	job	job	NOUN
ajbmeb-1251	156	43	position	position	NOUN
ajbmeb-1251	156	44	92	92	NUM
ajbmeb-1251	156	45	%	%	NOUN
ajbmeb-1251	156	46	23	23	NUM
ajbmeb-1251	156	47	employee	employee	NOUN
ajbmeb-1251	156	48	8	8	NUM
ajbmeb-1251	156	49	%	%	NOUN
ajbmeb-1251	156	50	2	2	NUM
ajbmeb-1251	156	51	head	head	NOUN
ajbmeb-1251	156	52	of	of	ADP
ajbmeb-1251	156	53	department	department	PROPN
ajbmeb-1251	156	54	american	american	PROPN
ajbmeb-1251	156	55	journal	journal	PROPN
ajbmeb-1251	156	56	of	of	ADP
ajbmeb-1251	156	57	business	business	NOUN
ajbmeb-1251	156	58	management	management	NOUN
ajbmeb-1251	156	59	,	,	PUNCT
ajbmeb-1251	156	60	economics	economic	NOUN
ajbmeb-1251	156	61	and	and	CCONJ
ajbmeb-1251	156	62	banking	banking	NOUN
ajbmeb-1251	156	63	volume	volume	NOUN
ajbmeb-1251	156	64	16	16	NUM
ajbmeb-1251	156	65	sep	sep	PROPN
ajbmeb-1251	156	66	,	,	PUNCT
ajbmeb-1251	156	67	2023	2023	NUM
ajbmeb-1251	156	68	p	p	NOUN
ajbmeb-1251	156	69	a	a	DET
ajbmeb-1251	156	70	g	g	NOUN
ajbmeb-1251	156	71	e	e	NOUN
ajbmeb-1251	156	72	|	|	NOUN
ajbmeb-1251	156	73	241	241	NUM
ajbmeb-1251	156	74	www.americanjournal.org	www.americanjournal.org	PROPN
ajbmeb-1251	156	75	table	table	NOUN
ajbmeb-1251	156	76	9	9	NUM
ajbmeb-1251	156	77	indicates	indicate	VERB
ajbmeb-1251	156	78	the	the	DET
ajbmeb-1251	156	79	existence	existence	NOUN
ajbmeb-1251	156	80	of	of	ADP
ajbmeb-1251	156	81	a	a	DET
ajbmeb-1251	156	82	significant	significant	ADJ
ajbmeb-1251	156	83	causative	causative	ADJ
ajbmeb-1251	156	84	relationship	relationship	NOUN
ajbmeb-1251	156	85	between	between	ADP
ajbmeb-1251	156	86	modern	modern	ADJ
ajbmeb-1251	156	87	technologies	technology	NOUN
ajbmeb-1251	156	88	as	as	ADP
ajbmeb-1251	156	89	the	the	DET
ajbmeb-1251	156	90	independent	independent	ADJ
ajbmeb-1251	156	91	variable	variable	NOUN
ajbmeb-1251	156	92	and	and	CCONJ
ajbmeb-1251	156	93	bank	bank	NOUN
ajbmeb-1251	156	94	profitability	profitability	NOUN
ajbmeb-1251	156	95	as	as	ADP
ajbmeb-1251	156	96	the	the	DET
ajbmeb-1251	156	97	dependent	dependent	ADJ
ajbmeb-1251	156	98	variable	variable	NOUN
ajbmeb-1251	156	99	.	.	PUNCT
ajbmeb-1251	157	1	this	this	PRON
ajbmeb-1251	157	2	is	be	AUX
ajbmeb-1251	157	3	demonstrated	demonstrate	VERB
ajbmeb-1251	157	4	by	by	ADP
ajbmeb-1251	157	5	the	the	DET
ajbmeb-1251	157	6	computed	computed	ADJ
ajbmeb-1251	157	7	f	f	NOUN
ajbmeb-1251	157	8	-	-	PUNCT
ajbmeb-1251	157	9	value	value	NOUN
ajbmeb-1251	157	10	,	,	PUNCT
ajbmeb-1251	157	11	which	which	PRON
ajbmeb-1251	157	12	amounts	amount	VERB
ajbmeb-1251	157	13	to	to	ADP
ajbmeb-1251	157	14	7.409	7.409	NUM
ajbmeb-1251	157	15	,	,	PUNCT
ajbmeb-1251	157	16	surpassing	surpass	VERB
ajbmeb-1251	157	17	the	the	DET
ajbmeb-1251	157	18	critical	critical	ADJ
ajbmeb-1251	157	19	table	table	NOUN
ajbmeb-1251	157	20	value	value	NOUN
ajbmeb-1251	157	21	of	of	ADP
ajbmeb-1251	157	22	1.964	1.964	NUM
ajbmeb-1251	157	23	,	,	PUNCT
ajbmeb-1251	157	24	thus	thus	ADV
ajbmeb-1251	157	25	establishing	establish	VERB
ajbmeb-1251	157	26	statistical	statistical	ADJ
ajbmeb-1251	157	27	significance	significance	NOUN
ajbmeb-1251	157	28	at	at	ADP
ajbmeb-1251	157	29	the	the	DET
ajbmeb-1251	157	30	0.05	0.05	NUM
ajbmeb-1251	157	31	level	level	NOUN
ajbmeb-1251	157	32	.	.	PUNCT
ajbmeb-1251	158	1	moreover	moreover	ADV
ajbmeb-1251	158	2	,	,	PUNCT
ajbmeb-1251	158	3	the	the	DET
ajbmeb-1251	158	4	calculated	calculated	ADJ
ajbmeb-1251	158	5	t	t	NOUN
ajbmeb-1251	158	6	-	-	PUNCT
ajbmeb-1251	158	7	value	value	NOUN
ajbmeb-1251	158	8	for	for	ADP
ajbmeb-1251	158	9	the	the	DET
ajbmeb-1251	158	10	independent	independent	ADJ
ajbmeb-1251	158	11	variable	variable	NOUN
ajbmeb-1251	158	12	is	be	AUX
ajbmeb-1251	158	13	2.823	2.823	NUM
ajbmeb-1251	158	14	,	,	PUNCT
ajbmeb-1251	158	15	exceeding	exceed	VERB
ajbmeb-1251	158	16	the	the	DET
ajbmeb-1251	158	17	critical	critical	ADJ
ajbmeb-1251	158	18	table	table	NOUN
ajbmeb-1251	158	19	value	value	NOUN
ajbmeb-1251	158	20	of	of	ADP
ajbmeb-1251	158	21	1.711	1.711	NUM
ajbmeb-1251	158	22	.	.	PUNCT
ajbmeb-1251	159	1	furthermore	furthermore	ADV
ajbmeb-1251	159	2	,	,	PUNCT
ajbmeb-1251	159	3	the	the	DET
ajbmeb-1251	159	4	coefficient	coefficient	NOUN
ajbmeb-1251	159	5	of	of	ADP
ajbmeb-1251	159	6	determination	determination	NOUN
ajbmeb-1251	159	7	(	(	PUNCT
ajbmeb-1251	159	8	r2	r2	PROPN
ajbmeb-1251	159	9	)	)	PUNCT
ajbmeb-1251	159	10	stands	stand	VERB
ajbmeb-1251	159	11	at	at	ADP
ajbmeb-1251	159	12	0.729	0.729	NUM
ajbmeb-1251	159	13	.	.	PUNCT
ajbmeb-1251	160	1	this	this	PRON
ajbmeb-1251	160	2	underscores	underscore	VERB
ajbmeb-1251	160	3	the	the	DET
ajbmeb-1251	160	4	paramount	paramount	ADJ
ajbmeb-1251	160	5	importance	importance	NOUN
ajbmeb-1251	160	6	of	of	ADP
ajbmeb-1251	160	7	modern	modern	ADJ
ajbmeb-1251	160	8	technologies	technology	NOUN
ajbmeb-1251	160	9	in	in	ADP
ajbmeb-1251	160	10	enhancing	enhance	VERB
ajbmeb-1251	160	11	bank	bank	NOUN
ajbmeb-1251	160	12	profits	profit	NOUN
ajbmeb-1251	160	13	through	through	ADP
ajbmeb-1251	160	14	the	the	DET
ajbmeb-1251	160	15	provision	provision	NOUN
ajbmeb-1251	160	16	and	and	CCONJ
ajbmeb-1251	160	17	utilization	utilization	NOUN
ajbmeb-1251	160	18	of	of	ADP
ajbmeb-1251	160	19	electronic	electronic	ADJ
ajbmeb-1251	160	20	services	service	NOUN
ajbmeb-1251	160	21	.	.	PUNCT
ajbmeb-1251	161	1	several	several	ADJ
ajbmeb-1251	161	2	major	major	ADJ
ajbmeb-1251	161	3	governmental	governmental	ADJ
ajbmeb-1251	161	4	banks	bank	NOUN
ajbmeb-1251	161	5	have	have	AUX
ajbmeb-1251	161	6	adopted	adopt	VERB
ajbmeb-1251	161	7	these	these	DET
ajbmeb-1251	161	8	cutting	cutting	NOUN
ajbmeb-1251	161	9	-	-	PUNCT
ajbmeb-1251	161	10	edge	edge	NOUN
ajbmeb-1251	161	11	technologies	technology	NOUN
ajbmeb-1251	161	12	to	to	PART
ajbmeb-1251	161	13	facilitate	facilitate	VERB
ajbmeb-1251	161	14	customer	customer	NOUN
ajbmeb-1251	161	15	access	access	NOUN
ajbmeb-1251	161	16	and	and	CCONJ
ajbmeb-1251	161	17	engagement	engagement	NOUN
ajbmeb-1251	161	18	.	.	PUNCT
ajbmeb-1251	162	1	ultimately	ultimately	ADV
ajbmeb-1251	162	2	,	,	PUNCT
ajbmeb-1251	162	3	this	this	PRON
ajbmeb-1251	162	4	has	have	VERB
ajbmeb-1251	162	5	a	a	DET
ajbmeb-1251	162	6	profound	profound	ADJ
ajbmeb-1251	162	7	positive	positive	ADJ
ajbmeb-1251	162	8	impact	impact	NOUN
ajbmeb-1251	162	9	on	on	ADP
ajbmeb-1251	162	10	the	the	DET
ajbmeb-1251	162	11	profitability	profitability	NOUN
ajbmeb-1251	162	12	performance	performance	NOUN
ajbmeb-1251	162	13	of	of	ADP
ajbmeb-1251	162	14	the	the	DET
ajbmeb-1251	162	15	studied	study	VERB
ajbmeb-1251	162	16	banks	bank	NOUN
ajbmeb-1251	162	17	.	.	PUNCT
ajbmeb-1251	163	1	conclusions	conclusion	NOUN
ajbmeb-1251	163	2	and	and	CCONJ
ajbmeb-1251	163	3	recommendations	recommendation	NOUN
ajbmeb-1251	163	4	:	:	PUNCT
ajbmeb-1251	163	5	conclusions	conclusion	NOUN
ajbmeb-1251	163	6	:	:	PUNCT
ajbmeb-1251	164	1	1	1	X
ajbmeb-1251	164	2	.	.	PUNCT
ajbmeb-1251	164	3	the	the	DET
ajbmeb-1251	164	4	research	research	NOUN
ajbmeb-1251	164	5	findings	finding	NOUN
ajbmeb-1251	164	6	have	have	AUX
ajbmeb-1251	164	7	demonstrated	demonstrate	VERB
ajbmeb-1251	164	8	that	that	SCONJ
ajbmeb-1251	164	9	the	the	DET
ajbmeb-1251	164	10	widespread	widespread	ADJ
ajbmeb-1251	164	11	adoption	adoption	NOUN
ajbmeb-1251	164	12	of	of	ADP
ajbmeb-1251	164	13	advanced	advanced	ADJ
ajbmeb-1251	164	14	modern	modern	ADJ
ajbmeb-1251	164	15	technologies	technology	NOUN
ajbmeb-1251	164	16	,	,	PUNCT
ajbmeb-1251	164	17	coupled	couple	VERB
ajbmeb-1251	164	18	with	with	ADP
ajbmeb-1251	164	19	high	high	ADJ
ajbmeb-1251	164	20	-	-	PUNCT
ajbmeb-1251	164	21	quality	quality	NOUN
ajbmeb-1251	164	22	service	service	NOUN
ajbmeb-1251	164	23	delivery	delivery	NOUN
ajbmeb-1251	164	24	through	through	ADP
ajbmeb-1251	164	25	sophisticated	sophisticated	ADJ
ajbmeb-1251	164	26	systems	system	NOUN
ajbmeb-1251	164	27	,	,	PUNCT
ajbmeb-1251	164	28	contributes	contribute	VERB
ajbmeb-1251	164	29	significantly	significantly	ADV
ajbmeb-1251	164	30	to	to	ADP
ajbmeb-1251	164	31	enhancing	enhance	VERB
ajbmeb-1251	164	32	bank	bank	NOUN
ajbmeb-1251	164	33	profitability	profitability	NOUN
ajbmeb-1251	164	34	.	.	PUNCT
ajbmeb-1251	165	1	2	2	X
ajbmeb-1251	165	2	.	.	X
ajbmeb-1251	165	3	the	the	DET
ajbmeb-1251	165	4	results	result	NOUN
ajbmeb-1251	165	5	show	show	VERB
ajbmeb-1251	165	6	that	that	SCONJ
ajbmeb-1251	165	7	modern	modern	ADJ
ajbmeb-1251	165	8	technologies	technology	NOUN
ajbmeb-1251	165	9	facilitate	facilitate	VERB
ajbmeb-1251	165	10	the	the	DET
ajbmeb-1251	165	11	provision	provision	NOUN
ajbmeb-1251	165	12	of	of	ADP
ajbmeb-1251	165	13	transparent	transparent	ADJ
ajbmeb-1251	165	14	and	and	CCONJ
ajbmeb-1251	165	15	secure	secure	ADJ
ajbmeb-1251	165	16	financial	financial	ADJ
ajbmeb-1251	165	17	information	information	NOUN
ajbmeb-1251	165	18	,	,	PUNCT
ajbmeb-1251	165	19	requiring	require	VERB
ajbmeb-1251	165	20	less	less	ADJ
ajbmeb-1251	165	21	effort	effort	NOUN
ajbmeb-1251	165	22	and	and	CCONJ
ajbmeb-1251	165	23	time	time	NOUN
ajbmeb-1251	165	24	.	.	PUNCT
ajbmeb-1251	166	1	moreover	moreover	ADV
ajbmeb-1251	166	2	,	,	PUNCT
ajbmeb-1251	166	3	their	their	PRON
ajbmeb-1251	166	4	diversity	diversity	NOUN
ajbmeb-1251	166	5	expands	expand	VERB
ajbmeb-1251	166	6	the	the	DET
ajbmeb-1251	166	7	opportunities	opportunity	NOUN
ajbmeb-1251	166	8	for	for	ADP
ajbmeb-1251	166	9	marketing	market	VERB
ajbmeb-1251	166	10	such	such	ADJ
ajbmeb-1251	166	11	services	service	NOUN
ajbmeb-1251	166	12	to	to	ADP
ajbmeb-1251	166	13	a	a	DET
ajbmeb-1251	166	14	broader	broad	ADJ
ajbmeb-1251	166	15	audience	audience	NOUN
ajbmeb-1251	166	16	.	.	PUNCT
ajbmeb-1251	167	1	3	3	X
ajbmeb-1251	167	2	.	.	X
ajbmeb-1251	167	3	the	the	DET
ajbmeb-1251	167	4	research	research	NOUN
ajbmeb-1251	167	5	outcomes	outcome	NOUN
ajbmeb-1251	167	6	underscore	underscore	VERB
ajbmeb-1251	167	7	that	that	SCONJ
ajbmeb-1251	167	8	the	the	DET
ajbmeb-1251	167	9	scope	scope	NOUN
ajbmeb-1251	167	10	of	of	ADP
ajbmeb-1251	167	11	banking	banking	NOUN
ajbmeb-1251	167	12	operations	operation	NOUN
ajbmeb-1251	167	13	and	and	CCONJ
ajbmeb-1251	167	14	their	their	PRON
ajbmeb-1251	167	15	modern	modern	ADJ
ajbmeb-1251	167	16	technologies	technology	NOUN
ajbmeb-1251	167	17	forms	form	VERB
ajbmeb-1251	167	18	a	a	DET
ajbmeb-1251	167	19	crucial	crucial	ADJ
ajbmeb-1251	167	20	basis	basis	NOUN
ajbmeb-1251	167	21	for	for	ADP
ajbmeb-1251	167	22	delivering	deliver	VERB
ajbmeb-1251	167	23	benefits	benefit	NOUN
ajbmeb-1251	167	24	to	to	ADP
ajbmeb-1251	167	25	both	both	DET
ajbmeb-1251	167	26	customers	customer	NOUN
ajbmeb-1251	167	27	,	,	PUNCT
ajbmeb-1251	167	28	through	through	ADP
ajbmeb-1251	167	29	speed	speed	NOUN
ajbmeb-1251	167	30	,	,	PUNCT
ajbmeb-1251	167	31	convenience	convenience	NOUN
ajbmeb-1251	167	32	,	,	PUNCT
ajbmeb-1251	167	33	and	and	CCONJ
ajbmeb-1251	167	34	cost	cost	NOUN
ajbmeb-1251	167	35	reduction	reduction	NOUN
ajbmeb-1251	167	36	,	,	PUNCT
ajbmeb-1251	167	37	and	and	CCONJ
ajbmeb-1251	167	38	banks	bank	NOUN
ajbmeb-1251	167	39	themselves	themselves	PRON
ajbmeb-1251	167	40	,	,	PUNCT
ajbmeb-1251	167	41	through	through	ADP
ajbmeb-1251	167	42	efficiency	efficiency	NOUN
ajbmeb-1251	167	43	,	,	PUNCT
ajbmeb-1251	167	44	larger	large	ADJ
ajbmeb-1251	167	45	market	market	NOUN
ajbmeb-1251	167	46	share	share	NOUN
ajbmeb-1251	167	47	,	,	PUNCT
ajbmeb-1251	167	48	marketing	marketing	NOUN
ajbmeb-1251	167	49	,	,	PUNCT
ajbmeb-1251	167	50	and	and	CCONJ
ajbmeb-1251	167	51	cost	cost	NOUN
ajbmeb-1251	167	52	reduction	reduction	NOUN
ajbmeb-1251	167	53	.	.	PUNCT
ajbmeb-1251	168	1	4	4	X
ajbmeb-1251	168	2	.	.	X
ajbmeb-1251	168	3	the	the	DET
ajbmeb-1251	168	4	research	research	NOUN
ajbmeb-1251	168	5	has	have	AUX
ajbmeb-1251	168	6	indicated	indicate	VERB
ajbmeb-1251	168	7	a	a	DET
ajbmeb-1251	168	8	statistically	statistically	ADV
ajbmeb-1251	168	9	significant	significant	ADJ
ajbmeb-1251	168	10	impact	impact	NOUN
ajbmeb-1251	168	11	of	of	ADP
ajbmeb-1251	168	12	modern	modern	ADJ
ajbmeb-1251	168	13	technologies	technology	NOUN
ajbmeb-1251	168	14	as	as	ADP
ajbmeb-1251	168	15	an	an	DET
ajbmeb-1251	168	16	independent	independent	ADJ
ajbmeb-1251	168	17	variable	variable	NOUN
ajbmeb-1251	168	18	on	on	ADP
ajbmeb-1251	168	19	bank	bank	NOUN
ajbmeb-1251	168	20	profitability	profitability	NOUN
ajbmeb-1251	168	21	as	as	ADP
ajbmeb-1251	168	22	a	a	DET
ajbmeb-1251	168	23	dependent	dependent	ADJ
ajbmeb-1251	168	24	variable	variable	NOUN
ajbmeb-1251	168	25	at	at	ADP
ajbmeb-1251	168	26	a	a	DET
ajbmeb-1251	168	27	significance	significance	NOUN
ajbmeb-1251	168	28	level	level	NOUN
ajbmeb-1251	168	29	of	of	ADP
ajbmeb-1251	168	30	0.05	0.05	NUM
ajbmeb-1251	168	31	.	.	PUNCT
ajbmeb-1251	169	1	recommendations	recommendation	NOUN
ajbmeb-1251	169	2	:	:	PUNCT
ajbmeb-1251	170	1	1	1	X
ajbmeb-1251	170	2	.	.	X
ajbmeb-1251	170	3	there	there	PRON
ajbmeb-1251	170	4	is	be	VERB
ajbmeb-1251	170	5	a	a	DET
ajbmeb-1251	170	6	need	need	NOUN
ajbmeb-1251	170	7	for	for	ADP
ajbmeb-1251	170	8	expansion	expansion	NOUN
ajbmeb-1251	170	9	and	and	CCONJ
ajbmeb-1251	170	10	modernization	modernization	NOUN
ajbmeb-1251	170	11	of	of	ADP
ajbmeb-1251	170	12	banking	banking	NOUN
ajbmeb-1251	170	13	technologies	technology	NOUN
ajbmeb-1251	170	14	by	by	ADP
ajbmeb-1251	170	15	allocating	allocate	VERB
ajbmeb-1251	170	16	more	more	ADJ
ajbmeb-1251	170	17	funds	fund	NOUN
ajbmeb-1251	170	18	for	for	ADP
ajbmeb-1251	170	19	this	this	DET
ajbmeb-1251	170	20	purpose	purpose	NOUN
ajbmeb-1251	170	21	while	while	SCONJ
ajbmeb-1251	170	22	ensuring	ensure	VERB
ajbmeb-1251	170	23	the	the	DET
ajbmeb-1251	170	24	availability	availability	NOUN
ajbmeb-1251	170	25	of	of	ADP
ajbmeb-1251	170	26	the	the	DET
ajbmeb-1251	170	27	necessary	necessary	ADJ
ajbmeb-1251	170	28	infrastructure	infrastructure	NOUN
ajbmeb-1251	170	29	and	and	CCONJ
ajbmeb-1251	170	30	logistical	logistical	ADJ
ajbmeb-1251	170	31	means	mean	NOUN
ajbmeb-1251	170	32	for	for	ADP
ajbmeb-1251	170	33	secure	secure	ADJ
ajbmeb-1251	170	34	information	information	NOUN
ajbmeb-1251	170	35	transmission	transmission	NOUN
ajbmeb-1251	170	36	.	.	PUNCT
ajbmeb-1251	171	1	this	this	PRON
ajbmeb-1251	171	2	should	should	AUX
ajbmeb-1251	171	3	include	include	VERB
ajbmeb-1251	171	4	efforts	effort	NOUN
ajbmeb-1251	171	5	to	to	PART
ajbmeb-1251	171	6	establish	establish	VERB
ajbmeb-1251	171	7	secure	secure	ADJ
ajbmeb-1251	171	8	networks	network	NOUN
ajbmeb-1251	171	9	for	for	ADP
ajbmeb-1251	171	10	preserving	preserve	VERB
ajbmeb-1251	171	11	the	the	DET
ajbmeb-1251	171	12	confidentiality	confidentiality	NOUN
ajbmeb-1251	171	13	and	and	CCONJ
ajbmeb-1251	171	14	security	security	NOUN
ajbmeb-1251	171	15	of	of	ADP
ajbmeb-1251	171	16	electronic	electronic	ADJ
ajbmeb-1251	171	17	payment	payment	NOUN
ajbmeb-1251	171	18	and	and	CCONJ
ajbmeb-1251	171	19	transfer	transfer	NOUN
ajbmeb-1251	171	20	services	service	NOUN
ajbmeb-1251	171	21	.	.	PUNCT
ajbmeb-1251	172	1	2	2	X
ajbmeb-1251	172	2	.	.	X
ajbmeb-1251	172	3	promote	promote	VERB
ajbmeb-1251	172	4	financial	financial	ADJ
ajbmeb-1251	172	5	literacy	literacy	NOUN
ajbmeb-1251	172	6	to	to	PART
ajbmeb-1251	172	7	enhance	enhance	VERB
ajbmeb-1251	172	8	financial	financial	ADJ
ajbmeb-1251	172	9	inclusion	inclusion	NOUN
ajbmeb-1251	172	10	and	and	CCONJ
ajbmeb-1251	172	11	the	the	DET
ajbmeb-1251	172	12	widespread	widespread	ADJ
ajbmeb-1251	172	13	adoption	adoption	NOUN
ajbmeb-1251	172	14	of	of	ADP
ajbmeb-1251	172	15	modern	modern	ADJ
ajbmeb-1251	172	16	banking	banking	NOUN
ajbmeb-1251	172	17	services	service	NOUN
ajbmeb-1251	172	18	in	in	ADP
ajbmeb-1251	172	19	all	all	DET
ajbmeb-1251	172	20	regions	region	NOUN
ajbmeb-1251	172	21	and	and	CCONJ
ajbmeb-1251	172	22	markets	market	NOUN
ajbmeb-1251	172	23	.	.	PUNCT
ajbmeb-1251	173	1	encourage	encourage	VERB
ajbmeb-1251	173	2	the	the	DET
ajbmeb-1251	173	3	community	community	NOUN
ajbmeb-1251	173	4	to	to	PART
ajbmeb-1251	173	5	use	use	VERB
ajbmeb-1251	173	6	these	these	DET
ajbmeb-1251	173	7	technologies	technology	NOUN
ajbmeb-1251	173	8	and	and	CCONJ
ajbmeb-1251	173	9	services	service	NOUN
ajbmeb-1251	173	10	by	by	ADP
ajbmeb-1251	173	11	investing	invest	VERB
ajbmeb-1251	173	12	in	in	ADP
ajbmeb-1251	173	13	human	human	ADJ
ajbmeb-1251	173	14	resource	resource	NOUN
ajbmeb-1251	173	15	training	training	NOUN
ajbmeb-1251	173	16	.	.	PUNCT
ajbmeb-1251	174	1	3	3	X
ajbmeb-1251	174	2	.	.	X
ajbmeb-1251	174	3	consider	consider	VERB
ajbmeb-1251	174	4	merging	merge	VERB
ajbmeb-1251	174	5	some	some	DET
ajbmeb-1251	174	6	banks	bank	NOUN
ajbmeb-1251	174	7	to	to	PART
ajbmeb-1251	174	8	strengthen	strengthen	VERB
ajbmeb-1251	174	9	their	their	PRON
ajbmeb-1251	174	10	capital	capital	NOUN
ajbmeb-1251	174	11	base	base	NOUN
ajbmeb-1251	174	12	and	and	CCONJ
ajbmeb-1251	174	13	offer	offer	VERB
ajbmeb-1251	174	14	unified	unified	ADJ
ajbmeb-1251	174	15	services	service	NOUN
ajbmeb-1251	174	16	capable	capable	ADJ
ajbmeb-1251	174	17	of	of	ADP
ajbmeb-1251	174	18	competing	compete	VERB
ajbmeb-1251	174	19	and	and	CCONJ
ajbmeb-1251	174	20	automating	automate	VERB
ajbmeb-1251	174	21	the	the	DET
ajbmeb-1251	174	22	services	service	NOUN
ajbmeb-1251	174	23	provided	provide	VERB
ajbmeb-1251	174	24	.	.	PUNCT
ajbmeb-1251	175	1	4	4	X
ajbmeb-1251	175	2	.	.	X
ajbmeb-1251	175	3	emphasize	emphasize	VERB
ajbmeb-1251	175	4	modern	modern	ADJ
ajbmeb-1251	175	5	marketing	marketing	NOUN
ajbmeb-1251	175	6	strategies	strategy	NOUN
ajbmeb-1251	175	7	for	for	SCONJ
ajbmeb-1251	175	8	these	these	DET
ajbmeb-1251	175	9	services	service	NOUN
ajbmeb-1251	175	10	to	to	PART
ajbmeb-1251	175	11	raise	raise	VERB
ajbmeb-1251	175	12	awareness	awareness	NOUN
ajbmeb-1251	175	13	and	and	CCONJ
ajbmeb-1251	175	14	educate	educate	VERB
ajbmeb-1251	175	15	customers	customer	NOUN
ajbmeb-1251	175	16	on	on	ADP
ajbmeb-1251	175	17	how	how	SCONJ
ajbmeb-1251	175	18	to	to	PART
ajbmeb-1251	175	19	use	use	VERB
ajbmeb-1251	175	20	advanced	advanced	ADJ
ajbmeb-1251	175	21	services	service	NOUN
ajbmeb-1251	175	22	effectively	effectively	ADV
ajbmeb-1251	175	23	.	.	PUNCT
ajbmeb-1251	176	1	5	5	X
ajbmeb-1251	176	2	.	.	X
ajbmeb-1251	176	3	continuously	continuously	ADV
ajbmeb-1251	176	4	monitor	monitor	VERB
ajbmeb-1251	176	5	the	the	DET
ajbmeb-1251	176	6	status	status	NOUN
ajbmeb-1251	176	7	of	of	ADP
ajbmeb-1251	176	8	other	other	ADJ
ajbmeb-1251	176	9	banks	bank	NOUN
ajbmeb-1251	176	10	and	and	CCONJ
ajbmeb-1251	176	11	customer	customer	NOUN
ajbmeb-1251	176	12	needs	need	NOUN
ajbmeb-1251	176	13	and	and	CCONJ
ajbmeb-1251	176	14	preferences	preference	NOUN
ajbmeb-1251	176	15	through	through	ADP
ajbmeb-1251	176	16	expert	expert	NOUN
ajbmeb-1251	176	17	analysis	analysis	NOUN
ajbmeb-1251	176	18	to	to	PART
ajbmeb-1251	176	19	adjust	adjust	VERB
ajbmeb-1251	176	20	goals	goal	NOUN
ajbmeb-1251	176	21	in	in	ADP
ajbmeb-1251	176	22	line	line	NOUN
ajbmeb-1251	176	23	with	with	ADP
ajbmeb-1251	176	24	economic	economic	ADJ
ajbmeb-1251	176	25	changes	change	NOUN
ajbmeb-1251	176	26	.	.	PUNCT
ajbmeb-1251	177	1	american	american	ADJ
ajbmeb-1251	177	2	journal	journal	PROPN
ajbmeb-1251	177	3	of	of	ADP
ajbmeb-1251	177	4	business	business	NOUN
ajbmeb-1251	177	5	management	management	NOUN
ajbmeb-1251	177	6	,	,	PUNCT
ajbmeb-1251	177	7	economics	economic	NOUN
ajbmeb-1251	177	8	and	and	CCONJ
ajbmeb-1251	177	9	banking	banking	NOUN
ajbmeb-1251	177	10	volume	volume	NOUN
ajbmeb-1251	177	11	16	16	NUM
ajbmeb-1251	177	12	sep	sep	PROPN
ajbmeb-1251	177	13	,	,	PUNCT
ajbmeb-1251	177	14	2023	2023	NUM
ajbmeb-1251	177	15	p	p	NOUN
ajbmeb-1251	177	16	a	a	PRON
ajbmeb-1251	177	17	g	g	NOUN
ajbmeb-1251	177	18	e	e	NOUN
ajbmeb-1251	177	19	|	|	ADV
ajbmeb-1251	177	20	242	242	NUM
ajbmeb-1251	177	21	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1251	177	22	references	reference	NOUN
ajbmeb-1251	177	23	1	1	NUM
ajbmeb-1251	177	24	.	.	PUNCT
ajbmeb-1251	178	1	al	al	PROPN
ajbmeb-1251	178	2	-	-	PUNCT
ajbmeb-1251	178	3	alami	alami	PROPN
ajbmeb-1251	178	4	,	,	PUNCT
ajbmeb-1251	178	5	h.	h.	PROPN
ajbmeb-1251	178	6	(	(	PUNCT
ajbmeb-1251	178	7	2013	2013	NUM
ajbmeb-1251	178	8	)	)	PUNCT
ajbmeb-1251	178	9	.	.	PUNCT
ajbmeb-1251	179	1	the	the	DET
ajbmeb-1251	179	2	role	role	NOUN
ajbmeb-1251	179	3	of	of	ADP
ajbmeb-1251	179	4	investment	investment	NOUN
ajbmeb-1251	179	5	in	in	ADP
ajbmeb-1251	179	6	information	information	NOUN
ajbmeb-1251	179	7	and	and	CCONJ
ajbmeb-1251	179	8	communications	communication	NOUN
ajbmeb-1251	179	9	technology	technology	NOUN
ajbmeb-1251	179	10	in	in	ADP
ajbmeb-1251	179	11	achieving	achieve	VERB
ajbmeb-1251	179	12	sustainable	sustainable	ADJ
ajbmeb-1251	179	13	development	development	NOUN
ajbmeb-1251	179	14	,	,	PUNCT
ajbmeb-1251	179	15	a	a	DET
ajbmeb-1251	179	16	comparative	comparative	ADJ
ajbmeb-1251	179	17	study	study	NOUN
ajbmeb-1251	179	18	between	between	ADP
ajbmeb-1251	179	19	malaysia	malaysia	PROPN
ajbmeb-1251	179	20	,	,	PUNCT
ajbmeb-1251	179	21	tunisia	tunisia	PROPN
ajbmeb-1251	179	22	and	and	CCONJ
ajbmeb-1251	179	23	algeria	algeria	PROPN
ajbmeb-1251	179	24	.	.	PUNCT
ajbmeb-1251	180	1	(	(	PUNCT
ajbmeb-1251	180	2	doctoral	doctoral	ADJ
ajbmeb-1251	180	3	dissertation	dissertation	NOUN
ajbmeb-1251	180	4	,	,	PUNCT
ajbmeb-1251	180	5	university	university	NOUN
ajbmeb-1251	180	6	of	of	ADP
ajbmeb-1251	180	7	sétif	sétif	PROPN
ajbmeb-1251	180	8	1	1	NUM
ajbmeb-1251	180	9	-	-	PUNCT
ajbmeb-1251	180	10	ferhat	ferhat	NOUN
ajbmeb-1251	180	11	abbas	abbas	NOUN
ajbmeb-1251	180	12	)	)	PUNCT
ajbmeb-1251	180	13	.	.	PUNCT
ajbmeb-1251	181	1	2	2	X
ajbmeb-1251	181	2	.	.	X
ajbmeb-1251	181	3	al	al	PROPN
ajbmeb-1251	181	4	-	-	PUNCT
ajbmeb-1251	181	5	jua’any	jua’any	PROPN
ajbmeb-1251	181	6	,	,	PUNCT
ajbmeb-1251	181	7	m.	m.	NOUN
ajbmeb-1251	181	8	,	,	PUNCT
ajbmeb-1251	181	9	&	&	CCONJ
ajbmeb-1251	181	10	al	al	PROPN
ajbmeb-1251	181	11	-	-	PUNCT
ajbmeb-1251	181	12	shimmary	shimmary	PROPN
ajbmeb-1251	181	13	,	,	PUNCT
ajbmeb-1251	181	14	srh	srh	PROPN
ajbmeb-1251	181	15	.	.	PUNCT
ajbmeb-1251	182	1	(	(	PUNCT
ajbmeb-1251	182	2	2021	2021	NUM
ajbmeb-1251	182	3	)	)	PUNCT
ajbmeb-1251	182	4	.	.	PUNCT
ajbmeb-1251	183	1	the	the	DET
ajbmeb-1251	183	2	impact	impact	NOUN
ajbmeb-1251	183	3	of	of	ADP
ajbmeb-1251	183	4	internal	internal	ADJ
ajbmeb-1251	183	5	islamic	islamic	ADJ
ajbmeb-1251	183	6	certificates	certificate	NOUN
ajbmeb-1251	183	7	of	of	ADP
ajbmeb-1251	183	8	deposit	deposit	NOUN
ajbmeb-1251	183	9	(	(	PUNCT
ajbmeb-1251	183	10	icd	icd	PROPN
ajbmeb-1251	183	11	)	)	PUNCT
ajbmeb-1251	183	12	on	on	ADP
ajbmeb-1251	183	13	the	the	DET
ajbmeb-1251	183	14	profitability	profitability	NOUN
ajbmeb-1251	183	15	of	of	ADP
ajbmeb-1251	183	16	islamic	islamic	ADJ
ajbmeb-1251	183	17	banks	bank	NOUN
ajbmeb-1251	183	18	an	an	DET
ajbmeb-1251	183	19	empirical	empirical	ADJ
ajbmeb-1251	183	20	research	research	NOUN
ajbmeb-1251	183	21	in	in	ADP
ajbmeb-1251	183	22	asia	asia	PROPN
ajbmeb-1251	183	23	-	-	PUNCT
ajbmeb-1251	183	24	iraq	iraq	PROPN
ajbmeb-1251	183	25	islamic	islamic	PROPN
ajbmeb-1251	183	26	bank	bank	PROPN
ajbmeb-1251	183	27	.	.	PUNCT
ajbmeb-1251	184	1	journal	journal	PROPN
ajbmeb-1251	184	2	of	of	ADP
ajbmeb-1251	184	3	accounting	accounting	NOUN
ajbmeb-1251	184	4	and	and	CCONJ
ajbmeb-1251	184	5	financial	financial	ADJ
ajbmeb-1251	184	6	studies	study	NOUN
ajbmeb-1251	184	7	,	,	PUNCT
ajbmeb-1251	184	8	16(55	16(55	NUM
ajbmeb-1251	184	9	)	)	PUNCT
ajbmeb-1251	184	10	.	.	PUNCT
ajbmeb-1251	185	1	3	3	X
ajbmeb-1251	185	2	.	.	X
ajbmeb-1251	185	3	al	al	PROPN
ajbmeb-1251	185	4	-	-	PROPN
ajbmeb-1251	185	5	yasseri	yasseri	PROPN
ajbmeb-1251	185	6	,	,	PUNCT
ajbmeb-1251	185	7	t.	t.	NOUN
ajbmeb-1251	185	8	m.	m.	NOUN
ajbmeb-1251	185	9	,	,	PUNCT
ajbmeb-1251	185	10	&	&	CCONJ
ajbmeb-1251	185	11	radhi	radhi	PROPN
ajbmeb-1251	185	12	,	,	PUNCT
ajbmeb-1251	185	13	h.	h.	PROPN
ajbmeb-1251	185	14	h.	h.	PROPN
ajbmeb-1251	185	15	k.	k.	PROPN
ajbmeb-1251	185	16	(	(	PUNCT
ajbmeb-1251	185	17	2021	2021	NUM
ajbmeb-1251	185	18	)	)	PUNCT
ajbmeb-1251	185	19	.	.	PUNCT
ajbmeb-1251	186	1	working	work	VERB
ajbmeb-1251	186	2	capital	capital	NOUN
ajbmeb-1251	186	3	financing	financing	NOUN
ajbmeb-1251	186	4	policies	policy	NOUN
ajbmeb-1251	186	5	and	and	CCONJ
ajbmeb-1251	186	6	its	its	PRON
ajbmeb-1251	186	7	reflection	reflection	NOUN
ajbmeb-1251	186	8	on	on	ADP
ajbmeb-1251	186	9	the	the	DET
ajbmeb-1251	186	10	banking	banking	NOUN
ajbmeb-1251	186	11	profitability	profitability	NOUN
ajbmeb-1251	186	12	(	(	PUNCT
ajbmeb-1251	186	13	an	an	DET
ajbmeb-1251	186	14	applied	applied	ADJ
ajbmeb-1251	186	15	research	research	NOUN
ajbmeb-1251	186	16	on	on	ADP
ajbmeb-1251	186	17	a	a	DET
ajbmeb-1251	186	18	sample	sample	NOUN
ajbmeb-1251	186	19	of	of	ADP
ajbmeb-1251	186	20	banks	bank	NOUN
ajbmeb-1251	186	21	listed	list	VERB
ajbmeb-1251	186	22	on	on	ADP
ajbmeb-1251	186	23	iraqi	iraqi	ADJ
ajbmeb-1251	186	24	stock	stock	NOUN
ajbmeb-1251	186	25	exchange	exchange	PROPN
ajbmeb-1251	186	26	)	)	PUNCT
ajbmeb-1251	186	27	.	.	PUNCT
ajbmeb-1251	187	1	ahl	ahl	PROPN
ajbmeb-1251	187	2	al	al	PROPN
ajbmeb-1251	187	3	-	-	PUNCT
ajbmeb-1251	187	4	bait	bait	PROPN
ajbmeb-1251	187	5	journal	journal	NOUN
ajbmeb-1251	187	6	,	,	PUNCT
ajbmeb-1251	187	7	1(28	1(28	NUM
ajbmeb-1251	187	8	)	)	PUNCT
ajbmeb-1251	187	9	,	,	PUNCT
ajbmeb-1251	187	10	438	438	NUM
ajbmeb-1251	187	11	-	-	SYM
ajbmeb-1251	187	12	456	456	NUM
ajbmeb-1251	187	13	.	.	PUNCT
ajbmeb-1251	188	1	4	4	X
ajbmeb-1251	188	2	.	.	X
ajbmeb-1251	188	3	abd	abd	PROPN
ajbmeb-1251	188	4	ali	ali	PROPN
ajbmeb-1251	188	5	,	,	PUNCT
ajbmeb-1251	188	6	s.	s.	PROPN
ajbmeb-1251	188	7	h.	h.	PROPN
ajbmeb-1251	188	8	,	,	PUNCT
ajbmeb-1251	188	9	&	&	CCONJ
ajbmeb-1251	188	10	khudair	khudair	PROPN
ajbmeb-1251	188	11	,	,	PUNCT
ajbmeb-1251	188	12	a.	a.	PROPN
ajbmeb-1251	188	13	h.	h.	PROPN
ajbmeb-1251	188	14	(	(	PUNCT
ajbmeb-1251	188	15	2020	2020	NUM
ajbmeb-1251	188	16	)	)	PUNCT
ajbmeb-1251	188	17	.	.	PUNCT
ajbmeb-1251	189	1	digital	digital	ADJ
ajbmeb-1251	189	2	transformation	transformation	NOUN
ajbmeb-1251	189	3	of	of	ADP
ajbmeb-1251	189	4	banking	banking	NOUN
ajbmeb-1251	189	5	operations	operation	NOUN
ajbmeb-1251	189	6	as	as	ADP
ajbmeb-1251	189	7	a	a	DET
ajbmeb-1251	189	8	model	model	NOUN
ajbmeb-1251	189	9	for	for	ADP
ajbmeb-1251	189	10	developing	develop	VERB
ajbmeb-1251	189	11	the	the	DET
ajbmeb-1251	189	12	strategic	strategic	ADJ
ajbmeb-1251	189	13	financial	financial	ADJ
ajbmeb-1251	189	14	performance	performance	NOUN
ajbmeb-1251	189	15	of	of	ADP
ajbmeb-1251	189	16	bank	bank	NOUN
ajbmeb-1251	189	17	of	of	ADP
ajbmeb-1251	189	18	baghdad	baghdad	PROPN
ajbmeb-1251	189	19	.	.	PUNCT
ajbmeb-1251	190	1	journal	journal	PROPN
ajbmeb-1251	190	2	of	of	ADP
ajbmeb-1251	190	3	administration	administration	NOUN
ajbmeb-1251	190	4	and	and	CCONJ
ajbmeb-1251	190	5	economics	economic	NOUN
ajbmeb-1251	190	6	,	,	PUNCT
ajbmeb-1251	190	7	(	(	PUNCT
ajbmeb-1251	190	8	126	126	NUM
ajbmeb-1251	190	9	)	)	PUNCT
ajbmeb-1251	190	10	,	,	PUNCT
ajbmeb-1251	190	11	1	1	NUM
ajbmeb-1251	190	12	-	-	SYM
ajbmeb-1251	190	13	13	13	NUM
ajbmeb-1251	190	14	.	.	PUNCT
ajbmeb-1251	190	15	5	5	NUM
ajbmeb-1251	190	16	.	.	X
ajbmeb-1251	191	1	al	al	PROPN
ajbmeb-1251	191	2	ogaili	ogaili	PROPN
ajbmeb-1251	191	3	,	,	PUNCT
ajbmeb-1251	191	4	sha	sha	PROPN
ajbmeb-1251	191	5	.	.	PUNCT
ajbmeb-1251	191	6	(	(	PUNCT
ajbmeb-1251	191	7	2020	2020	NUM
ajbmeb-1251	191	8	)	)	PUNCT
ajbmeb-1251	191	9	.	.	PUNCT
ajbmeb-1251	192	1	the	the	DET
ajbmeb-1251	192	2	effect	effect	NOUN
ajbmeb-1251	192	3	of	of	ADP
ajbmeb-1251	192	4	liquidity	liquidity	NOUN
ajbmeb-1251	192	5	on	on	ADP
ajbmeb-1251	192	6	the	the	DET
ajbmeb-1251	192	7	profitability	profitability	NOUN
ajbmeb-1251	192	8	and	and	CCONJ
ajbmeb-1251	192	9	value	value	NOUN
ajbmeb-1251	192	10	of	of	ADP
ajbmeb-1251	192	11	banks	bank	NOUN
ajbmeb-1251	192	12	listed	list	VERB
ajbmeb-1251	192	13	on	on	ADP
ajbmeb-1251	192	14	iraq	iraq	PROPN
ajbmeb-1251	192	15	stock	stock	NOUN
ajbmeb-1251	192	16	market	market	NOUN
ajbmeb-1251	192	17	(	(	PUNCT
ajbmeb-1251	192	18	an	an	DET
ajbmeb-1251	192	19	analytical	analytical	ADJ
ajbmeb-1251	192	20	study	study	NOUN
ajbmeb-1251	192	21	)	)	PUNCT
ajbmeb-1251	192	22	.	.	PUNCT
ajbmeb-1251	193	1	journal	journal	PROPN
ajbmeb-1251	193	2	of	of	ADP
ajbmeb-1251	193	3	economics	economic	NOUN
ajbmeb-1251	193	4	and	and	CCONJ
ajbmeb-1251	193	5	administrative	administrative	ADJ
ajbmeb-1251	193	6	sciences	science	NOUN
ajbmeb-1251	193	7	,	,	PUNCT
ajbmeb-1251	193	8	26(124	26(124	NOUN
ajbmeb-1251	193	9	)	)	PUNCT
ajbmeb-1251	193	10	,	,	PUNCT
ajbmeb-1251	193	11	417	417	NUM
ajbmeb-1251	193	12	-	-	SYM
ajbmeb-1251	193	13	430	430	NUM
ajbmeb-1251	193	14	.	.	PUNCT
ajbmeb-1251	193	15	6	6	NUM
ajbmeb-1251	193	16	.	.	X
ajbmeb-1251	194	1	al	al	PROPN
ajbmeb-1251	194	2	-	-	PUNCT
ajbmeb-1251	194	3	aajibi	aajibi	ADJ
ajbmeb-1251	194	4	,	,	PUNCT
ajbmeb-1251	194	5	a.d.k	a.d.k	NOUN
ajbmeb-1251	194	6	.	.	PROPN
ajbmeb-1251	194	7	,	,	PUNCT
ajbmeb-1251	194	8	&	&	CCONJ
ajbmeb-1251	194	9	hamidi	hamidi	PROPN
ajbmeb-1251	194	10	,	,	PUNCT
ajbmeb-1251	194	11	r.g	r.g	PROPN
ajbmeb-1251	194	12	.	.	PROPN
ajbmeb-1251	194	13	(	(	PUNCT
ajbmeb-1251	194	14	2021	2021	NUM
ajbmeb-1251	194	15	)	)	PUNCT
ajbmeb-1251	194	16	.	.	PUNCT
ajbmeb-1251	195	1	the	the	DET
ajbmeb-1251	195	2	extent	extent	NOUN
ajbmeb-1251	195	3	to	to	PART
ajbmeb-1251	195	4	which	which	PRON
ajbmeb-1251	195	5	the	the	DET
ajbmeb-1251	195	6	profitability	profitability	NOUN
ajbmeb-1251	195	7	index	index	NOUN
ajbmeb-1251	195	8	of	of	ADP
ajbmeb-1251	195	9	the	the	DET
ajbmeb-1251	195	10	camels	camel	NOUN
ajbmeb-1251	195	11	model	model	NOUN
ajbmeb-1251	195	12	is	be	AUX
ajbmeb-1251	195	13	used	use	VERB
ajbmeb-1251	195	14	according	accord	VERB
ajbmeb-1251	195	15	to	to	ADP
ajbmeb-1251	195	16	the	the	DET
ajbmeb-1251	195	17	requirements	requirement	NOUN
ajbmeb-1251	195	18	of	of	ADP
ajbmeb-1251	195	19	banking	banking	NOUN
ajbmeb-1251	195	20	governance	governance	NOUN
ajbmeb-1251	195	21	(	(	PUNCT
ajbmeb-1251	195	22	a	a	DET
ajbmeb-1251	195	23	study	study	NOUN
ajbmeb-1251	195	24	of	of	ADP
ajbmeb-1251	195	25	the	the	DET
ajbmeb-1251	195	26	iraqi	iraqi	ADJ
ajbmeb-1251	195	27	bank	bank	PROPN
ajbmeb-1251	195	28	of	of	ADP
ajbmeb-1251	195	29	baghdad	baghdad	PROPN
ajbmeb-1251	195	30	for	for	ADP
ajbmeb-1251	195	31	the	the	DET
ajbmeb-1251	195	32	period	period	NOUN
ajbmeb-1251	195	33	2016	2016	NUM
ajbmeb-1251	195	34	-	-	SYM
ajbmeb-1251	195	35	2021	2021	NUM
ajbmeb-1251	195	36	)	)	PUNCT
ajbmeb-1251	195	37	.	.	PUNCT
ajbmeb-1251	196	1	al	al	PROPN
ajbmeb-1251	196	2	kut	kut	PROPN
ajbmeb-1251	196	3	journal	journal	PROPN
ajbmeb-1251	196	4	of	of	ADP
ajbmeb-1251	196	5	economics	economic	NOUN
ajbmeb-1251	196	6	and	and	CCONJ
ajbmeb-1251	196	7	administrative	administrative	ADJ
ajbmeb-1251	196	8	sciences,15(47	sciences,15(47	NOUN
ajbmeb-1251	196	9	)	)	PUNCT
ajbmeb-1251	196	10	,	,	PUNCT
ajbmeb-1251	196	11	394	394	NUM
ajbmeb-1251	196	12	-	-	SYM
ajbmeb-1251	196	13	406	406	NUM
ajbmeb-1251	196	14	.	.	PUNCT
ajbmeb-1251	197	1	7	7	X
ajbmeb-1251	197	2	.	.	X
ajbmeb-1251	197	3	al	al	PROPN
ajbmeb-1251	197	4	-	-	PUNCT
ajbmeb-1251	197	5	karawi	karawi	PROPN
ajbmeb-1251	197	6	,	,	PUNCT
ajbmeb-1251	197	7	b.	b.	PROPN
ajbmeb-1251	197	8	n.	n.	PROPN
ajbmeb-1251	197	9	s.	s.	PROPN
ajbmeb-1251	197	10	(	(	PUNCT
ajbmeb-1251	197	11	2009	2009	NUM
ajbmeb-1251	197	12	)	)	PUNCT
ajbmeb-1251	197	13	.	.	PUNCT
ajbmeb-1251	198	1	assess	assess	VERB
ajbmeb-1251	198	2	the	the	DET
ajbmeb-1251	198	3	profitability	profitability	NOUN
ajbmeb-1251	198	4	of	of	ADP
ajbmeb-1251	198	5	the	the	DET
ajbmeb-1251	198	6	bank	bank	NOUN
ajbmeb-1251	198	7	with	with	ADP
ajbmeb-1251	198	8	liquidity	liquidity	NOUN
ajbmeb-1251	198	9	indicatorsa	indicatorsa	PROPN
ajbmeb-1251	198	10	comparative	comparative	ADJ
ajbmeb-1251	198	11	study	study	NOUN
ajbmeb-1251	198	12	between	between	ADP
ajbmeb-1251	198	13	rafidain	rafidain	PROPN
ajbmeb-1251	198	14	and	and	CCONJ
ajbmeb-1251	198	15	rashed	rashe	VERB
ajbmeb-1251	198	16	banks	bank	NOUN
ajbmeb-1251	198	17	.	.	PUNCT
ajbmeb-1251	199	1	iraqi	iraqi	ADJ
ajbmeb-1251	199	2	journal	journal	PROPN
ajbmeb-1251	199	3	for	for	ADP
ajbmeb-1251	199	4	administrative	administrative	ADJ
ajbmeb-1251	199	5	sciences	science	NOUN
ajbmeb-1251	199	6	,	,	PUNCT
ajbmeb-1251	199	7	2009	2009	NUM
ajbmeb-1251	199	8	,	,	PUNCT
ajbmeb-1251	199	9	6	6	NUM
ajbmeb-1251	199	10	,	,	PUNCT
ajbmeb-1251	199	11	(	(	PUNCT
ajbmeb-1251	199	12	24	24	NUM
ajbmeb-1251	199	13	)	)	PUNCT
ajbmeb-1251	199	14	,	,	PUNCT
ajbmeb-1251	199	15	242	242	NUM
ajbmeb-1251	199	16	-	-	SYM
ajbmeb-1251	199	17	264	264	NUM
ajbmeb-1251	199	18	.	.	NOUN
ajbmeb-1251	199	19	8	8	NUM
ajbmeb-1251	199	20	.	.	PUNCT
ajbmeb-1251	200	1	al	al	PROPN
ajbmeb-1251	200	2	-	-	PUNCT
ajbmeb-1251	200	3	nawashi	nawashi	PROPN
ajbmeb-1251	200	4	,	,	PUNCT
ajbmeb-1251	200	5	q.	q.	PROPN
ajbmeb-1251	200	6	(	(	PUNCT
ajbmeb-1251	200	7	2010	2010	NUM
ajbmeb-1251	200	8	)	)	PUNCT
ajbmeb-1251	200	9	.	.	PUNCT
ajbmeb-1251	201	1	use	use	NOUN
ajbmeb-1251	201	2	of	of	ADP
ajbmeb-1251	201	3	information	information	NOUN
ajbmeb-1251	201	4	and	and	CCONJ
ajbmeb-1251	201	5	communication	communication	NOUN
ajbmeb-1251	201	6	technology	technology	NOUN
ajbmeb-1251	201	7	in	in	ADP
ajbmeb-1251	201	8	education	education	NOUN
ajbmeb-1251	201	9	.	.	PUNCT
ajbmeb-1251	202	1	(	(	PUNCT
ajbmeb-1251	202	2	1st	1st	ADJ
ajbmeb-1251	202	3	ed	ed	NOUN
ajbmeb-1251	202	4	.	.	PUNCT
ajbmeb-1251	202	5	)	)	PUNCT
ajbmeb-1251	203	1	dar	dar	PROPN
ajbmeb-1251	203	2	wael	wael	PROPN
ajbmeb-1251	203	3	for	for	ADP
ajbmeb-1251	203	4	publishing	publishing	NOUN
ajbmeb-1251	203	5	and	and	CCONJ
ajbmeb-1251	203	6	distribution	distribution	NOUN
ajbmeb-1251	203	7	.	.	PUNCT
ajbmeb-1251	204	1	9	9	X
ajbmeb-1251	204	2	.	.	X
ajbmeb-1251	204	3	al	al	PROPN
ajbmeb-1251	204	4	-	-	PUNCT
ajbmeb-1251	204	5	qaisi	qaisi	PROPN
ajbmeb-1251	204	6	,	,	PUNCT
ajbmeb-1251	204	7	iqi	iqi	PROPN
ajbmeb-1251	204	8	,	,	PUNCT
ajbmeb-1251	204	9	&	&	CCONJ
ajbmeb-1251	204	10	al	al	PROPN
ajbmeb-1251	204	11	-	-	PUNCT
ajbmeb-1251	204	12	taie	taie	PROPN
ajbmeb-1251	204	13	,	,	PUNCT
ajbmeb-1251	204	14	rsa	rsa	PROPN
ajbmeb-1251	204	15	.	.	PUNCT
ajbmeb-1251	205	1	(	(	PUNCT
ajbmeb-1251	205	2	2023	2023	NUM
ajbmeb-1251	205	3	)	)	PUNCT
ajbmeb-1251	205	4	.	.	PUNCT
ajbmeb-1251	206	1	the	the	DET
ajbmeb-1251	206	2	role	role	NOUN
ajbmeb-1251	206	3	of	of	ADP
ajbmeb-1251	206	4	diversification	diversification	NOUN
ajbmeb-1251	206	5	of	of	ADP
ajbmeb-1251	206	6	banking	banking	NOUN
ajbmeb-1251	206	7	services	service	NOUN
ajbmeb-1251	206	8	in	in	ADP
ajbmeb-1251	206	9	the	the	DET
ajbmeb-1251	206	10	profitability	profitability	NOUN
ajbmeb-1251	206	11	of	of	ADP
ajbmeb-1251	206	12	commercial	commercial	ADJ
ajbmeb-1251	206	13	banks	bank	NOUN
ajbmeb-1251	206	14	:	:	PUNCT
ajbmeb-1251	206	15	an	an	DET
ajbmeb-1251	206	16	analytical	analytical	ADJ
ajbmeb-1251	206	17	study	study	NOUN
ajbmeb-1251	206	18	in	in	ADP
ajbmeb-1251	206	19	the	the	DET
ajbmeb-1251	206	20	national	national	PROPN
ajbmeb-1251	206	21	bank	bank	PROPN
ajbmeb-1251	206	22	of	of	ADP
ajbmeb-1251	206	23	iraq	iraq	PROPN
ajbmeb-1251	206	24	and	and	CCONJ
ajbmeb-1251	206	25	the	the	DET
ajbmeb-1251	206	26	iraqi	iraqi	ADJ
ajbmeb-1251	206	27	credit	credit	NOUN
ajbmeb-1251	206	28	bank	bank	PROPN
ajbmeb-1251	206	29	.	.	PUNCT
ajbmeb-1251	207	1	journal	journal	PROPN
ajbmeb-1251	207	2	of	of	ADP
ajbmeb-1251	207	3	management	management	NOUN
ajbmeb-1251	207	4	and	and	CCONJ
ajbmeb-1251	207	5	economics	economic	NOUN
ajbmeb-1251	207	6	,	,	PUNCT
ajbmeb-1251	207	7	138	138	NUM
ajbmeb-1251	207	8	,	,	PUNCT
ajbmeb-1251	207	9	232	232	NUM
ajbmeb-1251	207	10	-	-	SYM
ajbmeb-1251	207	11	244	244	NUM
ajbmeb-1251	207	12	.	.	PUNCT
ajbmeb-1251	208	1	10	10	NUM
ajbmeb-1251	208	2	.	.	PUNCT
ajbmeb-1251	209	1	al	al	PROPN
ajbmeb-1251	209	2	-	-	PUNCT
ajbmeb-1251	209	3	zuwaidi	zuwaidi	PROPN
ajbmeb-1251	209	4	,	,	PUNCT
ajbmeb-1251	209	5	m.	m.	NOUN
ajbmeb-1251	209	6	m.	m.	NOUN
ajbmeb-1251	209	7	(	(	PUNCT
ajbmeb-1251	209	8	2012	2012	NUM
ajbmeb-1251	209	9	)	)	PUNCT
ajbmeb-1251	209	10	.	.	PUNCT
ajbmeb-1251	210	1	the	the	DET
ajbmeb-1251	210	2	role	role	NOUN
ajbmeb-1251	210	3	of	of	ADP
ajbmeb-1251	210	4	information	information	NOUN
ajbmeb-1251	210	5	and	and	CCONJ
ajbmeb-1251	210	6	communications	communication	NOUN
ajbmeb-1251	210	7	technology	technology	NOUN
ajbmeb-1251	210	8	for	for	ADP
ajbmeb-1251	210	9	the	the	DET
ajbmeb-1251	210	10	education	education	NOUN
ajbmeb-1251	210	11	development	development	NOUN
ajbmeb-1251	210	12	towards	towards	ADP
ajbmeb-1251	210	13	the	the	DET
ajbmeb-1251	210	14	knowledge	knowledge	NOUN
ajbmeb-1251	210	15	economy	economy	NOUN
ajbmeb-1251	210	16	(	(	PUNCT
ajbmeb-1251	210	17	erfke	erfke	NOUN
ajbmeb-1251	210	18	)	)	PUNCT
ajbmeb-1251	210	19	project	project	NOUN
ajbmeb-1251	210	20	in	in	ADP
ajbmeb-1251	210	21	developing	develop	VERB
ajbmeb-1251	210	22	life	life	NOUN
ajbmeb-1251	210	23	skills	skill	NOUN
ajbmeb-1251	210	24	for	for	ADP
ajbmeb-1251	210	25	jordanian	jordanian	ADJ
ajbmeb-1251	210	26	public	public	ADJ
ajbmeb-1251	210	27	school	school	NOUN
ajbmeb-1251	210	28	students	student	NOUN
ajbmeb-1251	210	29	.	.	PUNCT
ajbmeb-1251	211	1	arab	arab	PROPN
ajbmeb-1251	211	2	journal	journal	PROPN
ajbmeb-1251	211	3	for	for	ADP
ajbmeb-1251	211	4	talent	talent	NOUN
ajbmeb-1251	211	5	development	development	NOUN
ajbmeb-1251	211	6	,	,	PUNCT
ajbmeb-1251	211	7	3	3	NUM
ajbmeb-1251	211	8	(	(	PUNCT
ajbmeb-1251	211	9	5	5	NUM
ajbmeb-1251	211	10	)	)	PUNCT
ajbmeb-1251	211	11	,	,	PUNCT
ajbmeb-1251	211	12	83	83	NUM
ajbmeb-1251	211	13	-	-	SYM
ajbmeb-1251	211	14	105	105	NUM
ajbmeb-1251	211	15	.	.	PUNCT
ajbmeb-1251	212	1	11	11	NUM
ajbmeb-1251	212	2	.	.	PUNCT
ajbmeb-1251	213	1	awad	awad	PROPN
ajbmeb-1251	213	2	,	,	PUNCT
ajbmeb-1251	213	3	a.	a.	PROPN
ajbmeb-1251	213	4	,	,	PUNCT
ajbmeb-1251	213	5	&	&	CCONJ
ajbmeb-1251	213	6	mohammad	mohammad	PROPN
ajbmeb-1251	213	7	,	,	PUNCT
ajbmeb-1251	213	8	r.	r.	PROPN
ajbmeb-1251	213	9	(	(	PUNCT
ajbmeb-1251	213	10	2017	2017	NUM
ajbmeb-1251	213	11	)	)	PUNCT
ajbmeb-1251	213	12	.	.	PUNCT
ajbmeb-1251	214	1	the	the	DET
ajbmeb-1251	214	2	importance	importance	NOUN
ajbmeb-1251	214	3	of	of	ADP
ajbmeb-1251	214	4	using	use	VERB
ajbmeb-1251	214	5	modern	modern	ADJ
ajbmeb-1251	214	6	tools	tool	NOUN
ajbmeb-1251	214	7	and	and	CCONJ
ajbmeb-1251	214	8	techniques	technique	NOUN
ajbmeb-1251	214	9	in	in	ADP
ajbmeb-1251	214	10	the	the	DET
ajbmeb-1251	214	11	overall	overall	ADJ
ajbmeb-1251	214	12	performance	performance	NOUN
ajbmeb-1251	214	13	of	of	ADP
ajbmeb-1251	214	14	palestinian	palestinian	ADJ
ajbmeb-1251	214	15	national	national	ADJ
ajbmeb-1251	214	16	banks	bank	NOUN
ajbmeb-1251	214	17	.	.	PUNCT
ajbmeb-1251	215	1	jordan	jordan	PROPN
ajbmeb-1251	215	2	journal	journal	PROPN
ajbmeb-1251	215	3	of	of	ADP
ajbmeb-1251	215	4	business	business	PROPN
ajbmeb-1251	215	5	administration	administration	PROPN
ajbmeb-1251	215	6	,	,	PUNCT
ajbmeb-1251	215	7	13(3	13(3	NUM
ajbmeb-1251	215	8	)	)	PUNCT
ajbmeb-1251	215	9	,	,	PUNCT
ajbmeb-1251	215	10	405	405	NUM
ajbmeb-1251	215	11	-	-	SYM
ajbmeb-1251	215	12	433	433	NUM
ajbmeb-1251	215	13	.	.	PUNCT
ajbmeb-1251	215	14	12	12	NUM
ajbmeb-1251	215	15	.	.	X
ajbmeb-1251	216	1	dowling	dowle	VERB
ajbmeb-1251	216	2	,	,	PUNCT
ajbmeb-1251	216	3	c.	c.	PROPN
ajbmeb-1251	216	4	,	,	PUNCT
ajbmeb-1251	216	5	&	&	CCONJ
ajbmeb-1251	216	6	leech	leech	NOUN
ajbmeb-1251	216	7	,	,	PUNCT
ajbmeb-1251	216	8	s.	s.	PROPN
ajbmeb-1251	216	9	a.	a.	PROPN
ajbmeb-1251	216	10	(	(	PUNCT
ajbmeb-1251	216	11	2014	2014	NUM
ajbmeb-1251	216	12	)	)	PUNCT
ajbmeb-1251	216	13	.	.	PUNCT
ajbmeb-1251	217	1	a	a	DET
ajbmeb-1251	217	2	big	big	ADJ
ajbmeb-1251	217	3	4	4	NUM
ajbmeb-1251	217	4	firm	firm	NOUN
ajbmeb-1251	217	5	’s	’s	PART
ajbmeb-1251	217	6	use	use	NOUN
ajbmeb-1251	217	7	of	of	ADP
ajbmeb-1251	217	8	information	information	NOUN
ajbmeb-1251	217	9	technology	technology	NOUN
ajbmeb-1251	217	10	to	to	PART
ajbmeb-1251	217	11	control	control	VERB
ajbmeb-1251	217	12	the	the	DET
ajbmeb-1251	217	13	audit	audit	NOUN
ajbmeb-1251	217	14	process	process	NOUN
ajbmeb-1251	217	15	:	:	PUNCT
ajbmeb-1251	217	16	how	how	SCONJ
ajbmeb-1251	217	17	an	an	DET
ajbmeb-1251	217	18	audit	audit	NOUN
ajbmeb-1251	217	19	support	support	NOUN
ajbmeb-1251	217	20	system	system	NOUN
ajbmeb-1251	217	21	is	be	AUX
ajbmeb-1251	217	22	changing	change	VERB
ajbmeb-1251	217	23	auditor	auditor	NOUN
ajbmeb-1251	217	24	behavior	behavior	NOUN
ajbmeb-1251	217	25	.	.	PUNCT
ajbmeb-1251	218	1	contemporary	contemporary	ADJ
ajbmeb-1251	218	2	accounting	accounting	PROPN
ajbmeb-1251	218	3	research	research	NOUN
ajbmeb-1251	218	4	,	,	PUNCT
ajbmeb-1251	218	5	31(1	31(1	NUM
ajbmeb-1251	218	6	)	)	PUNCT
ajbmeb-1251	218	7	,	,	PUNCT
ajbmeb-1251	218	8	230	230	NUM
ajbmeb-1251	218	9	-	-	SYM
ajbmeb-1251	218	10	252	252	NUM
ajbmeb-1251	218	11	.	.	NOUN
ajbmeb-1251	218	12	13	13	NUM
ajbmeb-1251	218	13	.	.	PUNCT
ajbmeb-1251	219	1	gray	gray	ADJ
ajbmeb-1251	219	2	,	,	PUNCT
ajbmeb-1251	219	3	i.	i.	PROPN
ajbmeb-1251	219	4	(	(	PUNCT
ajbmeb-1251	219	5	2011	2011	NUM
ajbmeb-1251	219	6	)	)	PUNCT
ajbmeb-1251	219	7	.	.	PUNCT
ajbmeb-1251	220	1	information	information	NOUN
ajbmeb-1251	220	2	and	and	CCONJ
ajbmeb-1251	220	3	communication	communication	NOUN
ajbmeb-1251	220	4	technology	technology	NOUN
ajbmeb-1251	220	5	.	.	PUNCT
ajbmeb-1251	221	1	14	14	NUM
ajbmeb-1251	221	2	.	.	X
ajbmeb-1251	222	1	hajira	hajira	PROPN
ajbmeb-1251	222	2	,	,	PUNCT
ajbmeb-1251	222	3	d.	d.	PROPN
ajbmeb-1251	222	4	(	(	PUNCT
ajbmeb-1251	222	5	2022	2022	NUM
ajbmeb-1251	222	6	)	)	PUNCT
ajbmeb-1251	222	7	.	.	PUNCT
ajbmeb-1251	223	1	the	the	DET
ajbmeb-1251	223	2	impact	impact	NOUN
ajbmeb-1251	223	3	of	of	ADP
ajbmeb-1251	223	4	the	the	DET
ajbmeb-1251	223	5	use	use	NOUN
ajbmeb-1251	223	6	of	of	ADP
ajbmeb-1251	223	7	information	information	NOUN
ajbmeb-1251	223	8	systems	system	NOUN
ajbmeb-1251	223	9	and	and	CCONJ
ajbmeb-1251	223	10	technology	technology	NOUN
ajbmeb-1251	223	11	on	on	ADP
ajbmeb-1251	223	12	the	the	DET
ajbmeb-1251	223	13	quality	quality	NOUN
ajbmeb-1251	223	14	of	of	ADP
ajbmeb-1251	223	15	banking	banking	NOUN
ajbmeb-1251	223	16	service	service	NOUN
ajbmeb-1251	223	17	–	–	PUNCT
ajbmeb-1251	223	18	a	a	DET
ajbmeb-1251	223	19	case	case	NOUN
ajbmeb-1251	223	20	study	study	NOUN
ajbmeb-1251	223	21	of	of	ADP
ajbmeb-1251	223	22	a	a	DET
ajbmeb-1251	223	23	sample	sample	NOUN
ajbmeb-1251	223	24	of	of	ADP
ajbmeb-1251	223	25	commercial	commercial	ADJ
ajbmeb-1251	223	26	banks	bank	NOUN
ajbmeb-1251	223	27	.	.	PUNCT
ajbmeb-1251	224	1	(	(	PUNCT
ajbmeb-1251	224	2	doctoral	doctoral	ADJ
ajbmeb-1251	224	3	dissertation	dissertation	NOUN
ajbmeb-1251	224	4	)	)	PUNCT
ajbmeb-1251	224	5	.	.	PUNCT
ajbmeb-1251	225	1	15	15	X
ajbmeb-1251	225	2	.	.	PUNCT
ajbmeb-1251	226	1	hamad	hamad	PROPN
ajbmeb-1251	226	2	,	,	PUNCT
ajbmeb-1251	226	3	k.	k.	PROPN
ajbmeb-1251	226	4	m.	m.	PROPN
ajbmeb-1251	226	5	(	(	PUNCT
ajbmeb-1251	226	6	2017	2017	NUM
ajbmeb-1251	226	7	)	)	PUNCT
ajbmeb-1251	226	8	.	.	PUNCT
ajbmeb-1251	227	1	liquidity	liquidity	NOUN
ajbmeb-1251	227	2	risk	risk	NOUN
ajbmeb-1251	227	3	and	and	CCONJ
ajbmeb-1251	227	4	its	its	PRON
ajbmeb-1251	227	5	impact	impact	NOUN
ajbmeb-1251	227	6	on	on	ADP
ajbmeb-1251	227	7	the	the	DET
ajbmeb-1251	227	8	profitability	profitability	NOUN
ajbmeb-1251	227	9	of	of	ADP
ajbmeb-1251	227	10	commercial	commercial	ADJ
ajbmeb-1251	227	11	banks	bank	NOUN
ajbmeb-1251	227	12	–	–	PUNCT
ajbmeb-1251	227	13	an	an	DET
ajbmeb-1251	227	14	applied	apply	VERB
ajbmeb-1251	227	15	study	study	NOUN
ajbmeb-1251	227	16	on	on	ADP
ajbmeb-1251	227	17	a	a	DET
ajbmeb-1251	227	18	sample	sample	NOUN
ajbmeb-1251	227	19	of	of	ADP
ajbmeb-1251	227	20	commercial	commercial	ADJ
ajbmeb-1251	227	21	banks	bank	NOUN
ajbmeb-1251	227	22	in	in	ADP
ajbmeb-1251	227	23	iraq	iraq	PROPN
ajbmeb-1251	227	24	.	.	PUNCT
ajbmeb-1251	228	1	journal	journal	PROPN
ajbmeb-1251	228	2	of	of	ADP
ajbmeb-1251	228	3	baghdad	baghdad	PROPN
ajbmeb-1251	228	4	college	college	PROPN
ajbmeb-1251	228	5	of	of	ADP
ajbmeb-1251	228	6	economic	economic	PROPN
ajbmeb-1251	228	7	sciences	sciences	PROPN
ajbmeb-1251	228	8	university	university	NOUN
ajbmeb-1251	228	9	,	,	PUNCT
ajbmeb-1251	228	10	52	52	NUM
ajbmeb-1251	228	11	,	,	PUNCT
ajbmeb-1251	228	12	401	401	NUM
ajbmeb-1251	228	13	-	-	SYM
ajbmeb-1251	228	14	416	416	NUM
ajbmeb-1251	228	15	.	.	PUNCT
ajbmeb-1251	229	1	american	american	ADJ
ajbmeb-1251	229	2	journal	journal	PROPN
ajbmeb-1251	229	3	of	of	ADP
ajbmeb-1251	229	4	business	business	NOUN
ajbmeb-1251	229	5	management	management	NOUN
ajbmeb-1251	229	6	,	,	PUNCT
ajbmeb-1251	229	7	economics	economic	NOUN
ajbmeb-1251	229	8	and	and	CCONJ
ajbmeb-1251	229	9	banking	banking	NOUN
ajbmeb-1251	229	10	volume	volume	NOUN
ajbmeb-1251	229	11	16	16	NUM
ajbmeb-1251	229	12	sep	sep	PROPN
ajbmeb-1251	229	13	,	,	PUNCT
ajbmeb-1251	229	14	2023	2023	NUM
ajbmeb-1251	229	15	p	p	NOUN
ajbmeb-1251	229	16	a	a	DET
ajbmeb-1251	229	17	g	g	NOUN
ajbmeb-1251	229	18	e	e	NOUN
ajbmeb-1251	229	19	|	|	NOUN
ajbmeb-1251	229	20	243	243	NUM
ajbmeb-1251	229	21	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1251	229	22	16	16	NUM
ajbmeb-1251	229	23	.	.	PUNCT
ajbmeb-1251	230	1	hamed	hamed	PROPN
ajbmeb-1251	230	2	,	,	PUNCT
ajbmeb-1251	230	3	r.a	r.a	PROPN
ajbmeb-1251	230	4	.	.	PROPN
ajbmeb-1251	230	5	,	,	PUNCT
ajbmeb-1251	230	6	&	&	CCONJ
ajbmeb-1251	230	7	sultan	sultan	PROPN
ajbmeb-1251	230	8	,	,	PUNCT
ajbmeb-1251	230	9	a.	a.	NOUN
ajbmeb-1251	230	10	(	(	PUNCT
ajbmeb-1251	230	11	2012	2012	NUM
ajbmeb-1251	230	12	)	)	PUNCT
ajbmeb-1251	230	13	.	.	PUNCT
ajbmeb-1251	231	1	employing	employ	VERB
ajbmeb-1251	231	2	information	information	NOUN
ajbmeb-1251	231	3	technology	technology	NOUN
ajbmeb-1251	231	4	in	in	ADP
ajbmeb-1251	231	5	designing	design	VERB
ajbmeb-1251	231	6	a	a	DET
ajbmeb-1251	231	7	networkbased	networkbase	VERB
ajbmeb-1251	231	8	human	human	ADJ
ajbmeb-1251	231	9	resources	resource	NOUN
ajbmeb-1251	231	10	information	information	NOUN
ajbmeb-1251	231	11	system	system	NOUN
ajbmeb-1251	231	12	–	–	PUNCT
ajbmeb-1251	231	13	a	a	DET
ajbmeb-1251	231	14	case	case	NOUN
ajbmeb-1251	231	15	study	study	NOUN
ajbmeb-1251	231	16	at	at	ADP
ajbmeb-1251	231	17	the	the	DET
ajbmeb-1251	231	18	technical	technical	PROPN
ajbmeb-1251	231	19	institute	institute	PROPN
ajbmeb-1251	231	20	/	/	SYM
ajbmeb-1251	231	21	ninawa	ninawa	PROPN
ajbmeb-1251	231	22	.	.	PUNCT
ajbmeb-1251	232	1	alrafidain	alrafidain	PROPN
ajbmeb-1251	232	2	journal	journal	PROPN
ajbmeb-1251	232	3	of	of	ADP
ajbmeb-1251	232	4	computer	computer	NOUN
ajbmeb-1251	232	5	sciences	science	NOUN
ajbmeb-1251	232	6	and	and	CCONJ
ajbmeb-1251	232	7	mathematics	mathematic	NOUN
ajbmeb-1251	232	8	,	,	PUNCT
ajbmeb-1251	232	9	9(1	9(1	NUM
ajbmeb-1251	232	10	)	)	PUNCT
ajbmeb-1251	232	11	,	,	PUNCT
ajbmeb-1251	232	12	195	195	NUM
ajbmeb-1251	232	13	-	-	SYM
ajbmeb-1251	232	14	174	174	NUM
ajbmeb-1251	232	15	.	.	PUNCT
ajbmeb-1251	233	1	17	17	NUM
ajbmeb-1251	233	2	.	.	PUNCT
ajbmeb-1251	234	1	hussain	hussain	PROPN
ajbmeb-1251	234	2	,	,	PUNCT
ajbmeb-1251	234	3	a.	a.	NOUN
ajbmeb-1251	234	4	a.	a.	PROPN
ajbmeb-1251	234	5	,	,	PUNCT
ajbmeb-1251	234	6	&	&	CCONJ
ajbmeb-1251	234	7	al	al	PROPN
ajbmeb-1251	234	8	moula	moula	PROPN
ajbmeb-1251	234	9	,	,	PUNCT
ajbmeb-1251	234	10	i.	i.	PROPN
ajbmeb-1251	234	11	f.	f.	PROPN
ajbmeb-1251	234	12	(	(	PUNCT
ajbmeb-1251	234	13	2021	2021	NUM
ajbmeb-1251	234	14	)	)	PUNCT
ajbmeb-1251	234	15	.	.	PUNCT
ajbmeb-1251	235	1	evaluating	evaluate	VERB
ajbmeb-1251	235	2	profitability	profitability	NOUN
ajbmeb-1251	235	3	and	and	CCONJ
ajbmeb-1251	235	4	its	its	PRON
ajbmeb-1251	235	5	impact	impact	NOUN
ajbmeb-1251	235	6	on	on	ADP
ajbmeb-1251	235	7	productivity	productivity	NOUN
ajbmeb-1251	235	8	in	in	ADP
ajbmeb-1251	235	9	commercial	commercial	ADJ
ajbmeb-1251	235	10	banks	bank	NOUN
ajbmeb-1251	235	11	(	(	PUNCT
ajbmeb-1251	235	12	an	an	DET
ajbmeb-1251	235	13	applied	applied	ADJ
ajbmeb-1251	235	14	research	research	NOUN
ajbmeb-1251	235	15	in	in	ADP
ajbmeb-1251	235	16	a	a	DET
ajbmeb-1251	235	17	sample	sample	NOUN
ajbmeb-1251	235	18	of	of	ADP
ajbmeb-1251	235	19	iraqi	iraqi	ADJ
ajbmeb-1251	235	20	private	private	ADJ
ajbmeb-1251	235	21	banks	bank	NOUN
ajbmeb-1251	235	22	)	)	PUNCT
ajbmeb-1251	235	23	.	.	PUNCT
ajbmeb-1251	236	1	journal	journal	PROPN
ajbmeb-1251	236	2	of	of	ADP
ajbmeb-1251	236	3	madenat	madenat	PROPN
ajbmeb-1251	236	4	alelem	alelem	PROPN
ajbmeb-1251	236	5	college	college	PROPN
ajbmeb-1251	236	6	,	,	PUNCT
ajbmeb-1251	236	7	13(1	13(1	NUM
ajbmeb-1251	236	8	)	)	PUNCT
ajbmeb-1251	236	9	,	,	PUNCT
ajbmeb-1251	236	10	173	173	NUM
ajbmeb-1251	236	11	-	-	SYM
ajbmeb-1251	236	12	201	201	NUM
ajbmeb-1251	236	13	.	.	PUNCT
ajbmeb-1251	236	14	18	18	NUM
ajbmeb-1251	236	15	.	.	PUNCT
ajbmeb-1251	237	1	hussan	hussan	NOUN
ajbmeb-1251	237	2	,	,	PUNCT
ajbmeb-1251	237	3	a.	a.	NOUN
ajbmeb-1251	237	4	a.	a.	PROPN
ajbmeb-1251	237	5	&	&	CCONJ
ajbmeb-1251	237	6	abdelqader	abdelqader	PROPN
ajbmeb-1251	237	7	,	,	PUNCT
ajbmeb-1251	237	8	d.	d.	PROPN
ajbmeb-1251	237	9	t.	t.	PROPN
ajbmeb-1251	237	10	,	,	PUNCT
ajbmeb-1251	237	11	jassim	jassim	PROPN
ajbmeb-1251	237	12	,	,	PUNCT
ajbmeb-1251	237	13	a.	a.	PROPN
ajbmeb-1251	237	14	h.	h.	PROPN
ajbmeb-1251	237	15	(	(	PUNCT
ajbmeb-1251	237	16	2021	2021	NUM
ajbmeb-1251	237	17	)	)	PUNCT
ajbmeb-1251	237	18	.	.	PUNCT
ajbmeb-1251	238	1	the	the	DET
ajbmeb-1251	238	2	effect	effect	NOUN
ajbmeb-1251	238	3	of	of	ADP
ajbmeb-1251	238	4	the	the	DET
ajbmeb-1251	238	5	return	return	NOUN
ajbmeb-1251	238	6	on	on	ADP
ajbmeb-1251	238	7	investment	investment	NOUN
ajbmeb-1251	238	8	index	index	NOUN
ajbmeb-1251	238	9	on	on	ADP
ajbmeb-1251	238	10	the	the	DET
ajbmeb-1251	238	11	profitability	profitability	NOUN
ajbmeb-1251	238	12	indicators	indicator	NOUN
ajbmeb-1251	238	13	of	of	ADP
ajbmeb-1251	238	14	commercial	commercial	ADJ
ajbmeb-1251	238	15	banks	bank	NOUN
ajbmeb-1251	238	16	in	in	ADP
ajbmeb-1251	238	17	iraq	iraq	PROPN
ajbmeb-1251	238	18	.	.	PUNCT
ajbmeb-1251	239	1	journal	journal	PROPN
ajbmeb-1251	239	2	of	of	ADP
ajbmeb-1251	239	3	baghdad	baghdad	PROPN
ajbmeb-1251	239	4	college	college	PROPN
ajbmeb-1251	239	5	of	of	ADP
ajbmeb-1251	239	6	economic	economic	PROPN
ajbmeb-1251	239	7	sciences	sciences	PROPN
ajbmeb-1251	239	8	university	university	NOUN
ajbmeb-1251	239	9	,	,	PUNCT
ajbmeb-1251	239	10	66	66	NUM
ajbmeb-1251	239	11	,	,	PUNCT
ajbmeb-1251	239	12	269	269	NUM
ajbmeb-1251	239	13	-	-	SYM
ajbmeb-1251	239	14	278	278	NUM
ajbmeb-1251	239	15	.	.	PUNCT
ajbmeb-1251	240	1	19	19	NUM
ajbmeb-1251	240	2	.	.	PUNCT
ajbmeb-1251	240	3	keivani	keivani	PROPN
ajbmeb-1251	240	4	,	,	PUNCT
ajbmeb-1251	240	5	s.	s.	PROPN
ajbmeb-1251	240	6	,	,	PUNCT
ajbmeb-1251	240	7	jouzbarbarkand	jouzbarbarkand	PROPN
ajbmeb-1251	240	8	,	,	PUNCT
ajbmeb-1251	240	9	m.	m.	NOUN
ajbmeb-1251	240	10	,	,	PUNCT
ajbmeb-1251	240	11	khodadadi	khodadadi	NOUN
ajbmeb-1251	240	12	,	,	PUNCT
ajbmeb-1251	240	13	m.	m.	NOUN
ajbmeb-1251	240	14	,	,	PUNCT
ajbmeb-1251	240	15	&	&	CCONJ
ajbmeb-1251	240	16	sourkouhi	sourkouhi	PROPN
ajbmeb-1251	240	17	,	,	PUNCT
ajbmeb-1251	240	18	z.	z.	PROPN
ajbmeb-1251	240	19	(	(	PUNCT
ajbmeb-1251	240	20	2012	2012	NUM
ajbmeb-1251	240	21	)	)	PUNCT
ajbmeb-1251	240	22	.	.	PUNCT
ajbmeb-1251	241	1	a	a	DET
ajbmeb-1251	241	2	general	general	ADJ
ajbmeb-1251	241	3	view	view	NOUN
ajbmeb-1251	241	4	on	on	ADP
ajbmeb-1251	241	5	the	the	DET
ajbmeb-1251	241	6	e	e	NOUN
ajbmeb-1251	241	7	-	-	NOUN
ajbmeb-1251	241	8	banking	banking	NOUN
ajbmeb-1251	241	9	.	.	PUNCT
ajbmeb-1251	242	1	department	department	NOUN
ajbmeb-1251	242	2	of	of	ADP
ajbmeb-1251	242	3	accounting	accounting	PROPN
ajbmeb-1251	242	4	,	,	PUNCT
ajbmeb-1251	242	5	islamic	islamic	PROPN
ajbmeb-1251	242	6	azad	azad	PROPN
ajbmeb-1251	242	7	university	university	PROPN
ajbmeb-1251	242	8	,	,	PUNCT
ajbmeb-1251	242	9	roudsar	roudsar	VERB
ajbmeb-1251	242	10	and	and	CCONJ
ajbmeb-1251	242	11	amlash	amlash	NOUN
ajbmeb-1251	242	12	branch	branch	NOUN
ajbmeb-1251	242	13	,	,	PUNCT
ajbmeb-1251	242	14	iran	iran	PROPN
ajbmeb-1251	242	15	,	,	PUNCT
ajbmeb-1251	242	16	pp	pp	ADJ
ajbmeb-1251	242	17	.	.	PUNCT
ajbmeb-1251	243	1	62	62	NUM
ajbmeb-1251	243	2	-	-	SYM
ajbmeb-1251	243	3	65	65	NUM
ajbmeb-1251	243	4	.	.	NOUN
ajbmeb-1251	244	1	20	20	NUM
ajbmeb-1251	244	2	.	.	PUNCT
ajbmeb-1251	245	1	mengistu	mengistu	PROPN
ajbmeb-1251	245	2	,	,	PUNCT
ajbmeb-1251	245	3	m.	m.	NOUN
ajbmeb-1251	245	4	m.	m.	NOUN
ajbmeb-1251	245	5	(	(	PUNCT
ajbmeb-1251	245	6	2015	2015	NUM
ajbmeb-1251	245	7	)	)	PUNCT
ajbmeb-1251	245	8	.	.	PUNCT
ajbmeb-1251	246	1	evaluation	evaluation	NOUN
ajbmeb-1251	246	2	of	of	ADP
ajbmeb-1251	246	3	the	the	DET
ajbmeb-1251	246	4	financial	financial	ADJ
ajbmeb-1251	246	5	performance	performance	NOUN
ajbmeb-1251	246	6	of	of	ADP
ajbmeb-1251	246	7	the	the	DET
ajbmeb-1251	246	8	banking	banking	NOUN
ajbmeb-1251	246	9	sector	sector	NOUN
ajbmeb-1251	246	10	in	in	ADP
ajbmeb-1251	246	11	ethiopia	ethiopia	PROPN
ajbmeb-1251	246	12	:	:	PUNCT
ajbmeb-1251	246	13	the	the	DET
ajbmeb-1251	246	14	case	case	NOUN
ajbmeb-1251	246	15	of	of	ADP
ajbmeb-1251	246	16	zemen	zemen	PROPN
ajbmeb-1251	246	17	bank	bank	PROPN
ajbmeb-1251	246	18	.	.	PUNCT
ajbmeb-1251	247	1	global	global	ADJ
ajbmeb-1251	247	2	journal	journal	PROPN
ajbmeb-1251	247	3	of	of	ADP
ajbmeb-1251	247	4	management	management	NOUN
ajbmeb-1251	247	5	and	and	CCONJ
ajbmeb-1251	247	6	business	business	NOUN
ajbmeb-1251	247	7	research	research	PROPN
ajbmeb-1251	247	8	&	&	CCONJ
ajbmeb-1251	247	9	finance	finance	PROPN
ajbmeb-1251	247	10	,	,	PUNCT
ajbmeb-1251	247	11	15(9	15(9	NUM
ajbmeb-1251	247	12	)	)	PUNCT
ajbmeb-1251	247	13	.	.	PUNCT
ajbmeb-1251	248	1	21	21	NUM
ajbmeb-1251	248	2	.	.	PUNCT
ajbmeb-1251	248	3	moertini	moertini	PROPN
ajbmeb-1251	248	4	,	,	PUNCT
ajbmeb-1251	248	5	v.	v.	PROPN
ajbmeb-1251	248	6	s.	s.	PROPN
ajbmeb-1251	248	7	,	,	PUNCT
ajbmeb-1251	248	8	athuri	athuri	PROPN
ajbmeb-1251	248	9	,	,	PUNCT
ajbmeb-1251	248	10	a.	a.	NOUN
ajbmeb-1251	248	11	a.	a.	PROPN
ajbmeb-1251	248	12	,	,	PUNCT
ajbmeb-1251	248	13	kemit	kemit	NOUN
ajbmeb-1251	248	14	,	,	PUNCT
ajbmeb-1251	248	15	h.	h.	PROPN
ajbmeb-1251	248	16	m.	m.	PROPN
ajbmeb-1251	248	17	,	,	PUNCT
ajbmeb-1251	248	18	&	&	CCONJ
ajbmeb-1251	248	19	saputro	saputro	VERB
ajbmeb-1251	248	20	,	,	PUNCT
ajbmeb-1251	248	21	n.	n.	NOUN
ajbmeb-1251	248	22	(	(	PUNCT
ajbmeb-1251	248	23	2011	2011	NUM
ajbmeb-1251	248	24	)	)	PUNCT
ajbmeb-1251	248	25	.	.	PUNCT
ajbmeb-1251	249	1	the	the	DET
ajbmeb-1251	249	2	development	development	NOUN
ajbmeb-1251	249	3	of	of	ADP
ajbmeb-1251	249	4	electronic	electronic	ADJ
ajbmeb-1251	249	5	payment	payment	NOUN
ajbmeb-1251	249	6	system	system	NOUN
ajbmeb-1251	249	7	for	for	ADP
ajbmeb-1251	249	8	universities	university	NOUN
ajbmeb-1251	249	9	in	in	ADP
ajbmeb-1251	249	10	indonesia	indonesia	PROPN
ajbmeb-1251	249	11	:	:	PUNCT
ajbmeb-1251	249	12	on	on	ADP
ajbmeb-1251	249	13	resolving	resolve	VERB
ajbmeb-1251	249	14	key	key	ADJ
ajbmeb-1251	249	15	success	success	NOUN
ajbmeb-1251	249	16	factors	factor	NOUN
ajbmeb-1251	249	17	.	.	PUNCT
ajbmeb-1251	250	1	arxiv	arxiv	PROPN
ajbmeb-1251	250	2	preprint	preprint	NOUN
ajbmeb-1251	250	3	arxiv:1105.0153	arxiv:1105.0153	VERB
ajbmeb-1251	250	4	.	.	PUNCT
ajbmeb-1251	251	1	22	22	NUM
ajbmeb-1251	251	2	.	.	PUNCT
ajbmeb-1251	252	1	omer	omer	PROPN
ajbmeb-1251	252	2	,	,	PUNCT
ajbmeb-1251	252	3	a.	a.	PROPN
ajbmeb-1251	252	4	m.	m.	PROPN
ajbmeb-1251	252	5	r.	r.	PROPN
ajbmeb-1251	252	6	,	,	PUNCT
ajbmeb-1251	252	7	&	&	CCONJ
ajbmeb-1251	252	8	ali	ali	PROPN
ajbmeb-1251	252	9	,	,	PUNCT
ajbmeb-1251	252	10	d.	d.	PROPN
ajbmeb-1251	252	11	s.	s.	PROPN
ajbmeb-1251	252	12	(	(	PUNCT
ajbmeb-1251	252	13	2022	2022	NUM
ajbmeb-1251	252	14	)	)	PUNCT
ajbmeb-1251	252	15	.	.	PUNCT
ajbmeb-1251	253	1	the	the	DET
ajbmeb-1251	253	2	effect	effect	NOUN
ajbmeb-1251	253	3	of	of	ADP
ajbmeb-1251	253	4	financial	financial	ADJ
ajbmeb-1251	253	5	leverage	leverage	NOUN
ajbmeb-1251	253	6	on	on	ADP
ajbmeb-1251	253	7	banking	banking	NOUN
ajbmeb-1251	253	8	profitability	profitability	NOUN
ajbmeb-1251	253	9	“	"	PUNCT
ajbmeb-1251	253	10	an	an	DET
ajbmeb-1251	253	11	analytical	analytical	ADJ
ajbmeb-1251	253	12	study	study	NOUN
ajbmeb-1251	253	13	of	of	ADP
ajbmeb-1251	253	14	a	a	DET
ajbmeb-1251	253	15	sample	sample	NOUN
ajbmeb-1251	253	16	of	of	ADP
ajbmeb-1251	253	17	private	private	ADJ
ajbmeb-1251	253	18	banks	bank	NOUN
ajbmeb-1251	253	19	listed	list	VERB
ajbmeb-1251	253	20	in	in	ADP
ajbmeb-1251	253	21	the	the	DET
ajbmeb-1251	253	22	iraq	iraq	PROPN
ajbmeb-1251	253	23	market	market	NOUN
ajbmeb-1251	253	24	for	for	ADP
ajbmeb-1251	253	25	securities	security	NOUN
ajbmeb-1251	253	26	”	"	PUNCT
ajbmeb-1251	253	27	.	.	PUNCT
ajbmeb-1251	254	1	journal	journal	PROPN
ajbmeb-1251	254	2	of	of	ADP
ajbmeb-1251	254	3	duhok	duhok	PROPN
ajbmeb-1251	254	4	university	university	PROPN
ajbmeb-1251	254	5	,	,	PUNCT
ajbmeb-1251	254	6	25(2	25(2	NUM
ajbmeb-1251	254	7	)	)	PUNCT
ajbmeb-1251	254	8	,	,	PUNCT
ajbmeb-1251	254	9	619	619	NUM
ajbmeb-1251	254	10	-	-	SYM
ajbmeb-1251	254	11	640	640	NUM
ajbmeb-1251	254	12	.	.	PUNCT
ajbmeb-1251	254	13	23	23	NUM
ajbmeb-1251	254	14	.	.	X
ajbmeb-1251	255	1	premchand	premchand	PROPN
ajbmeb-1251	255	2	,	,	PUNCT
ajbmeb-1251	255	3	a.	a.	NOUN
ajbmeb-1251	255	4	,	,	PUNCT
ajbmeb-1251	255	5	&	&	CCONJ
ajbmeb-1251	255	6	choudhry	choudhry	PROPN
ajbmeb-1251	255	7	,	,	PUNCT
ajbmeb-1251	255	8	a.	a.	NOUN
ajbmeb-1251	255	9	(	(	PUNCT
ajbmeb-1251	255	10	2015	2015	NUM
ajbmeb-1251	255	11	)	)	PUNCT
ajbmeb-1251	255	12	.	.	PUNCT
ajbmeb-1251	256	1	future	future	NOUN
ajbmeb-1251	256	2	of	of	ADP
ajbmeb-1251	256	3	paymentsepayments	paymentsepayment	NOUN
ajbmeb-1251	256	4	.	.	PUNCT
ajbmeb-1251	257	1	international	international	ADJ
ajbmeb-1251	257	2	journal	journal	NOUN
ajbmeb-1251	257	3	of	of	ADP
ajbmeb-1251	257	4	emerging	emerge	VERB
ajbmeb-1251	257	5	technology	technology	NOUN
ajbmeb-1251	257	6	and	and	CCONJ
ajbmeb-1251	257	7	advanced	advanced	ADJ
ajbmeb-1251	257	8	engineering	engineering	NOUN
ajbmeb-1251	257	9	,	,	PUNCT
ajbmeb-1251	257	10	5	5	NUM
ajbmeb-1251	257	11	,	,	PUNCT
ajbmeb-1251	257	12	110	110	NUM
ajbmeb-1251	257	13	-	-	SYM
ajbmeb-1251	257	14	115	115	NUM
ajbmeb-1251	257	15	.	.	PUNCT
ajbmeb-1251	258	1	24	24	NUM
ajbmeb-1251	258	2	.	.	PUNCT
ajbmeb-1251	259	1	salah	salah	PROPN
ajbmeb-1251	259	2	,	,	PUNCT
ajbmeb-1251	259	3	m.	m.	NOUN
ajbmeb-1251	259	4	m.	m.	NOUN
ajbmeb-1251	259	5	(	(	PUNCT
ajbmeb-1251	259	6	2011	2011	NUM
ajbmeb-1251	259	7	)	)	PUNCT
ajbmeb-1251	259	8	.	.	PUNCT
ajbmeb-1251	260	1	components	component	NOUN
ajbmeb-1251	260	2	of	of	ADP
ajbmeb-1251	260	3	information	information	NOUN
ajbmeb-1251	260	4	and	and	CCONJ
ajbmeb-1251	260	5	communication	communication	NOUN
ajbmeb-1251	260	6	technologies	technology	NOUN
ajbmeb-1251	260	7	and	and	CCONJ
ajbmeb-1251	260	8	their	their	PRON
ajbmeb-1251	260	9	reflection	reflection	NOUN
ajbmeb-1251	260	10	in	in	ADP
ajbmeb-1251	260	11	the	the	DET
ajbmeb-1251	260	12	quality	quality	NOUN
ajbmeb-1251	260	13	of	of	ADP
ajbmeb-1251	260	14	education	education	NOUN
ajbmeb-1251	260	15	by	by	ADP
ajbmeb-1251	260	16	adopting	adopt	VERB
ajbmeb-1251	260	17	the	the	DET
ajbmeb-1251	260	18	requirements	requirement	NOUN
ajbmeb-1251	260	19	of	of	ADP
ajbmeb-1251	260	20	comprehensive	comprehensive	ADJ
ajbmeb-1251	260	21	quality	quality	NOUN
ajbmeb-1251	260	22	management	management	NOUN
ajbmeb-1251	260	23	.	.	PUNCT
ajbmeb-1251	261	1	proceedings	proceeding	NOUN
ajbmeb-1251	261	2	of	of	ADP
ajbmeb-1251	261	3	the	the	DET
ajbmeb-1251	261	4	annual	annual	ADJ
ajbmeb-1251	261	5	conference	conference	NOUN
ajbmeb-1251	261	6	of	of	ADP
ajbmeb-1251	261	7	the	the	DET
ajbmeb-1251	261	8	college	college	PROPN
ajbmeb-1251	261	9	of	of	ADP
ajbmeb-1251	261	10	administration	administration	NOUN
ajbmeb-1251	261	11	and	and	CCONJ
ajbmeb-1251	261	12	economics	economic	NOUN
ajbmeb-1251	261	13	,	,	PUNCT
ajbmeb-1251	261	14	university	university	NOUN
ajbmeb-1251	261	15	of	of	ADP
ajbmeb-1251	261	16	mosul	mosul	PROPN
ajbmeb-1251	261	17	,	,	PUNCT
ajbmeb-1251	261	18	2011	2011	NUM
ajbmeb-1251	261	19	.	.	PUNCT
ajbmeb-1251	262	1	25	25	NUM
ajbmeb-1251	262	2	.	.	PUNCT
ajbmeb-1251	262	3	shevlin	shevlin	PROPN
ajbmeb-1251	262	4	,	,	PUNCT
ajbmeb-1251	262	5	r.	r.	PROPN
ajbmeb-1251	262	6	(	(	PUNCT
ajbmeb-1251	262	7	2022	2022	NUM
ajbmeb-1251	262	8	)	)	PUNCT
ajbmeb-1251	262	9	.	.	PUNCT
ajbmeb-1251	263	1	the	the	DET
ajbmeb-1251	263	2	5	5	NUM
ajbmeb-1251	263	3	hottest	hot	ADJ
ajbmeb-1251	263	4	technologies	technology	NOUN
ajbmeb-1251	263	5	in	in	ADP
ajbmeb-1251	263	6	banking	banking	NOUN
ajbmeb-1251	263	7	for	for	ADP
ajbmeb-1251	263	8	2022	2022	NUM
ajbmeb-1251	263	9	.	.	PUNCT
ajbmeb-1251	264	1	26	26	NUM
ajbmeb-1251	264	2	.	.	PUNCT
ajbmeb-1251	264	3	siam	siam	PROPN
ajbmeb-1251	264	4	,	,	PUNCT
ajbmeb-1251	264	5	a.	a.	PROPN
ajbmeb-1251	264	6	z.	z.	PROPN
ajbmeb-1251	264	7	(	(	PUNCT
ajbmeb-1251	264	8	2006	2006	NUM
ajbmeb-1251	264	9	)	)	PUNCT
ajbmeb-1251	264	10	.	.	PUNCT
ajbmeb-1251	265	1	role	role	NOUN
ajbmeb-1251	265	2	of	of	ADP
ajbmeb-1251	265	3	the	the	DET
ajbmeb-1251	265	4	electronic	electronic	ADJ
ajbmeb-1251	265	5	banking	banking	NOUN
ajbmeb-1251	265	6	services	service	NOUN
ajbmeb-1251	265	7	on	on	ADP
ajbmeb-1251	265	8	the	the	DET
ajbmeb-1251	265	9	profits	profit	NOUN
ajbmeb-1251	265	10	of	of	ADP
ajbmeb-1251	265	11	jordanian	jordanian	ADJ
ajbmeb-1251	265	12	banks	bank	NOUN
ajbmeb-1251	265	13	.	.	PUNCT
ajbmeb-1251	266	1	american	american	PROPN
ajbmeb-1251	266	2	journal	journal	PROPN
ajbmeb-1251	266	3	of	of	ADP
ajbmeb-1251	266	4	applied	apply	VERB
ajbmeb-1251	266	5	sciences	science	NOUN
ajbmeb-1251	266	6	,	,	PUNCT
ajbmeb-1251	266	7	3(9	3(9	NUM
ajbmeb-1251	266	8	)	)	PUNCT
ajbmeb-1251	266	9	,	,	PUNCT
ajbmeb-1251	266	10	1999	1999	NUM
ajbmeb-1251	266	11	-	-	SYM
ajbmeb-1251	266	12	2004	2004	NUM
ajbmeb-1251	266	13	.	.	PUNCT
ajbmeb-1251	267	1	27	27	NUM
ajbmeb-1251	267	2	.	.	PUNCT
ajbmeb-1251	268	1	soleman	soleman	PROPN
ajbmeb-1251	268	2	,	,	PUNCT
ajbmeb-1251	268	3	b.	b.	PROPN
ajbmeb-1251	268	4	t.	t.	PROPN
ajbmeb-1251	268	5	(	(	PUNCT
ajbmeb-1251	268	6	2013	2013	NUM
ajbmeb-1251	268	7	)	)	PUNCT
ajbmeb-1251	268	8	.	.	PUNCT
ajbmeb-1251	269	1	electronic	electronic	ADJ
ajbmeb-1251	269	2	payment	payment	NOUN
ajbmeb-1251	269	3	systems	system	NOUN
ajbmeb-1251	269	4	in	in	ADP
ajbmeb-1251	269	5	iraq	iraq	PROPN
ajbmeb-1251	269	6	,	,	PUNCT
ajbmeb-1251	269	7	their	their	PRON
ajbmeb-1251	269	8	components	component	NOUN
ajbmeb-1251	269	9	,	,	PUNCT
ajbmeb-1251	269	10	their	their	PRON
ajbmeb-1251	269	11	role	role	NOUN
ajbmeb-1251	269	12	in	in	ADP
ajbmeb-1251	269	13	risk	risk	NOUN
ajbmeb-1251	269	14	management	management	NOUN
ajbmeb-1251	269	15	.	.	PUNCT
ajbmeb-1251	270	1	research	research	NOUN
ajbmeb-1251	270	2	presented	present	VERB
ajbmeb-1251	270	3	to	to	ADP
ajbmeb-1251	270	4	the	the	DET
ajbmeb-1251	270	5	baghdad	baghdad	PROPN
ajbmeb-1251	270	6	forum	forum	PROPN
ajbmeb-1251	270	7	–	–	PUNCT
ajbmeb-1251	270	8	banking	banking	NOUN
ajbmeb-1251	270	9	economics	economic	NOUN
ajbmeb-1251	270	10	,	,	PUNCT
ajbmeb-1251	270	11	pp	pp	ADP
ajbmeb-1251	270	12	1	1	NUM
ajbmeb-1251	270	13	-	-	SYM
ajbmeb-1251	270	14	18	18	NUM
ajbmeb-1251	270	15	.	.	PUNCT
ajbmeb-1251	271	1	28	28	NUM
ajbmeb-1251	271	2	.	.	PUNCT
ajbmeb-1251	272	1	takele	takele	PROPN
ajbmeb-1251	272	2	,	,	PUNCT
ajbmeb-1251	272	3	y.	y.	PROPN
ajbmeb-1251	272	4	,	,	PUNCT
ajbmeb-1251	272	5	&	&	CCONJ
ajbmeb-1251	272	6	sira	sira	PROPN
ajbmeb-1251	272	7	,	,	PUNCT
ajbmeb-1251	272	8	z.	z.	PROPN
ajbmeb-1251	272	9	(	(	PUNCT
ajbmeb-1251	272	10	2013	2013	NUM
ajbmeb-1251	272	11	)	)	PUNCT
ajbmeb-1251	272	12	.	.	PUNCT
ajbmeb-1251	273	1	analysis	analysis	NOUN
ajbmeb-1251	273	2	of	of	ADP
ajbmeb-1251	273	3	factors	factor	NOUN
ajbmeb-1251	273	4	influencing	influence	VERB
ajbmeb-1251	273	5	customers	customer	NOUN
ajbmeb-1251	273	6	’	'	PUNCT
ajbmeb-1251	273	7	intention	intention	NOUN
ajbmeb-1251	273	8	to	to	ADP
ajbmeb-1251	273	9	the	the	DET
ajbmeb-1251	273	10	adoption	adoption	NOUN
ajbmeb-1251	273	11	of	of	ADP
ajbmeb-1251	273	12	e	e	NOUN
ajbmeb-1251	273	13	-	-	ADJ
ajbmeb-1251	273	14	banking	banking	ADJ
ajbmeb-1251	273	15	service	service	NOUN
ajbmeb-1251	273	16	channels	channel	NOUN
ajbmeb-1251	273	17	in	in	ADP
ajbmeb-1251	273	18	bahir	bahir	PROPN
ajbmeb-1251	273	19	dar	dar	PROPN
ajbmeb-1251	273	20	city	city	PROPN
ajbmeb-1251	273	21	:	:	PUNCT
ajbmeb-1251	273	22	an	an	DET
ajbmeb-1251	273	23	integration	integration	NOUN
ajbmeb-1251	273	24	of	of	ADP
ajbmeb-1251	273	25	tam	tam	PROPN
ajbmeb-1251	273	26	,	,	PUNCT
ajbmeb-1251	273	27	tpb	tpb	NOUN
ajbmeb-1251	273	28	,	,	PUNCT
ajbmeb-1251	273	29	and	and	CCONJ
ajbmeb-1251	273	30	pr	pr	NOUN
ajbmeb-1251	273	31	.	.	PUNCT
ajbmeb-1251	274	1	european	european	ADJ
ajbmeb-1251	274	2	scientific	scientific	ADJ
ajbmeb-1251	274	3	journal	journal	NOUN
ajbmeb-1251	274	4	,	,	PUNCT
ajbmeb-1251	274	5	9(13	9(13	NUM
ajbmeb-1251	274	6	)	)	PUNCT
ajbmeb-1251	274	7	,	,	PUNCT
ajbmeb-1251	274	8	402	402	NUM
ajbmeb-1251	274	9	-	-	SYM
ajbmeb-1251	274	10	417	417	NUM
ajbmeb-1251	274	11	.	.	PROPN
ajbmeb-1251	274	12	29	29	NUM
ajbmeb-1251	274	13	.	.	X
ajbmeb-1251	274	14	tulsian	tulsian	NOUN
ajbmeb-1251	274	15	,	,	PUNCT
ajbmeb-1251	274	16	m.	m.	NOUN
ajbmeb-1251	274	17	(	(	PUNCT
ajbmeb-1251	274	18	2014	2014	NUM
ajbmeb-1251	274	19	)	)	PUNCT
ajbmeb-1251	274	20	.	.	PUNCT
ajbmeb-1251	275	1	profitability	profitability	NOUN
ajbmeb-1251	275	2	analysis	analysis	NOUN
ajbmeb-1251	275	3	(	(	PUNCT
ajbmeb-1251	275	4	a	a	DET
ajbmeb-1251	275	5	comparative	comparative	ADJ
ajbmeb-1251	275	6	study	study	NOUN
ajbmeb-1251	275	7	of	of	ADP
ajbmeb-1251	275	8	sail	sail	PROPN
ajbmeb-1251	275	9	&	&	CCONJ
ajbmeb-1251	275	10	tata	tata	PROPN
ajbmeb-1251	275	11	steel	steel	PROPN
ajbmeb-1251	275	12	)	)	PUNCT
ajbmeb-1251	275	13	.	.	PUNCT
ajbmeb-1251	276	1	iosr	iosr	ADJ
ajbmeb-1251	276	2	journal	journal	PROPN
ajbmeb-1251	276	3	of	of	ADP
ajbmeb-1251	276	4	economics	economic	NOUN
ajbmeb-1251	276	5	and	and	CCONJ
ajbmeb-1251	276	6	finance	finance	NOUN
ajbmeb-1251	276	7	,	,	PUNCT
ajbmeb-1251	276	8	3(2	3(2	NUM
ajbmeb-1251	276	9	)	)	PUNCT
ajbmeb-1251	276	10	,	,	PUNCT
ajbmeb-1251	276	11	19	19	NUM
ajbmeb-1251	276	12	-	-	SYM
ajbmeb-1251	276	13	22	22	NUM
ajbmeb-1251	276	14	.	.	PUNCT
ajbmeb-1251	277	1	30	30	NUM
ajbmeb-1251	277	2	.	.	PUNCT
ajbmeb-1251	278	1	uhmedy	uhmedy	PROPN
ajbmeb-1251	278	2	,	,	PUNCT
ajbmeb-1251	278	3	r.	r.	PROPN
ajbmeb-1251	278	4	g.	g.	PROPN
ajbmeb-1251	278	5	,	,	PUNCT
ajbmeb-1251	278	6	&	&	CCONJ
ajbmeb-1251	278	7	kareem	kareem	PROPN
ajbmeb-1251	278	8	,	,	PUNCT
ajbmeb-1251	278	9	a.	a.	PROPN
ajbmeb-1251	278	10	d.	d.	PROPN
ajbmeb-1251	278	11	(	(	PUNCT
ajbmeb-1251	278	12	2023	2023	NUM
ajbmeb-1251	278	13	)	)	PUNCT
ajbmeb-1251	278	14	.	.	PUNCT
ajbmeb-1251	279	1	the	the	DET
ajbmeb-1251	279	2	role	role	NOUN
ajbmeb-1251	279	3	of	of	ADP
ajbmeb-1251	279	4	the	the	DET
ajbmeb-1251	279	5	profitability	profitability	NOUN
ajbmeb-1251	279	6	index	index	NOUN
ajbmeb-1251	279	7	of	of	ADP
ajbmeb-1251	279	8	the	the	DET
ajbmeb-1251	279	9	criterion	criterion	NOUN
ajbmeb-1251	279	10	camels	camel	NOUN
ajbmeb-1251	279	11	in	in	ADP
ajbmeb-1251	279	12	achieving	achieve	VERB
ajbmeb-1251	279	13	banking	banking	NOUN
ajbmeb-1251	279	14	governance	governance	NOUN
ajbmeb-1251	279	15	requirements	requirement	NOUN
ajbmeb-1251	279	16	:	:	PUNCT
ajbmeb-1251	279	17	a	a	DET
ajbmeb-1251	279	18	study	study	NOUN
ajbmeb-1251	279	19	of	of	ADP
ajbmeb-1251	279	20	the	the	DET
ajbmeb-1251	279	21	iraqi	iraqi	ADJ
ajbmeb-1251	279	22	bank	bank	PROPN
ajbmeb-1251	279	23	of	of	ADP
ajbmeb-1251	279	24	baghdad	baghdad	PROPN
ajbmeb-1251	279	25	.	.	PUNCT
ajbmeb-1251	280	1	world	world	NOUN
ajbmeb-1251	280	2	economics	economic	NOUN
ajbmeb-1251	280	3	and	and	CCONJ
ajbmeb-1251	280	4	finance	finance	NOUN
ajbmeb-1251	280	5	bulletin	bulletin	NOUN
ajbmeb-1251	280	6	,	,	PUNCT
ajbmeb-1251	280	7	20	20	NUM
ajbmeb-1251	280	8	,	,	PUNCT
ajbmeb-1251	280	9	32	32	NUM
ajbmeb-1251	280	10	-	-	SYM
ajbmeb-1251	280	11	37	37	NUM
ajbmeb-1251	280	12	.	.	PUNCT