id	sid	tid	token	lemma	pos
ajbmeb-1431	1	1	american	american	PROPN
ajbmeb-1431	1	2	journal	journal	PROPN
ajbmeb-1431	1	3	of	of	ADP
ajbmeb-1431	1	4	business	business	NOUN
ajbmeb-1431	1	5	management	management	NOUN
ajbmeb-1431	1	6	,	,	PUNCT
ajbmeb-1431	1	7	economics	economic	NOUN
ajbmeb-1431	1	8	and	and	CCONJ
ajbmeb-1431	1	9	banking	banking	NOUN
ajbmeb-1431	1	10	issn	issn	PROPN
ajbmeb-1431	1	11	(	(	PUNCT
ajbmeb-1431	1	12	e	e	NOUN
ajbmeb-1431	1	13	):	):	PUNCT
ajbmeb-1431	1	14	2832	2832	NUM
ajbmeb-1431	1	15	-	-	SYM
ajbmeb-1431	1	16	8078	8078	NUM
ajbmeb-1431	1	17	volume	volume	NOUN
ajbmeb-1431	1	18	18	18	NUM
ajbmeb-1431	1	19	,	,	PUNCT
ajbmeb-1431	1	20	|	|	ADV
ajbmeb-1431	1	21	november	november	PROPN
ajbmeb-1431	1	22	,	,	PUNCT
ajbmeb-1431	1	23	2023	2023	NUM
ajbmeb-1431	1	24	p	p	NOUN
ajbmeb-1431	1	25	a	a	DET
ajbmeb-1431	1	26	g	g	NOUN
ajbmeb-1431	1	27	e	e	NOUN
ajbmeb-1431	1	28	|	|	ADV
ajbmeb-1431	1	29	50	50	NUM
ajbmeb-1431	1	30	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1431	1	31	business	business	NOUN
ajbmeb-1431	1	32	ecosystem	ecosystem	NOUN
ajbmeb-1431	1	33	of	of	ADP
ajbmeb-1431	1	34	commercial	commercial	ADJ
ajbmeb-1431	1	35	banks	bank	NOUN
ajbmeb-1431	1	36	and	and	CCONJ
ajbmeb-1431	1	37	its	its	PRON
ajbmeb-1431	1	38	organization	organization	NOUN
ajbmeb-1431	1	39	processes	process	VERB
ajbmeb-1431	1	40	shoymardonov	shoymardonov	NOUN
ajbmeb-1431	1	41	orziqul	orziqul	NOUN
ajbmeb-1431	1	42	jura	jura	PROPN
ajbmeb-1431	1	43	ugli	ugli	PROPN
ajbmeb-1431	1	44	independent	independent	ADJ
ajbmeb-1431	1	45	researcher	researcher	NOUN
ajbmeb-1431	1	46	of	of	ADP
ajbmeb-1431	1	47	tashkent	tashkent	PROPN
ajbmeb-1431	1	48	institute	institute	PROPN
ajbmeb-1431	1	49	of	of	ADP
ajbmeb-1431	1	50	finance	finance	PROPN
ajbmeb-1431	1	51	.	.	PUNCT
ajbmeb-1431	2	1	uzbekistan	uzbekistan	PROPN
ajbmeb-1431	2	2	,	,	PUNCT
ajbmeb-1431	2	3	tashkent	tashkent	VERB
ajbmeb-1431	2	4	a	a	DET
ajbmeb-1431	2	5	b	b	PROPN
ajbmeb-1431	2	6	s	s	ADP
ajbmeb-1431	2	7	t	t	PROPN
ajbmeb-1431	2	8	r	r	NOUN
ajbmeb-1431	2	9	a	a	DET
ajbmeb-1431	2	10	c	c	NOUN
ajbmeb-1431	2	11	t	t	NOUN
ajbmeb-1431	2	12	k	k	X
ajbmeb-1431	2	13	e	e	PROPN
ajbmeb-1431	2	14	y	y	PROPN
ajbmeb-1431	2	15	w	w	NOUN
ajbmeb-1431	3	1	o	o	NOUN
ajbmeb-1431	3	2	r	r	NOUN
ajbmeb-1431	3	3	d	d	X
ajbmeb-1431	3	4	s	s	VERB
ajbmeb-1431	3	5	this	this	DET
ajbmeb-1431	3	6	article	article	NOUN
ajbmeb-1431	3	7	talks	talk	VERB
ajbmeb-1431	3	8	about	about	ADP
ajbmeb-1431	3	9	ways	way	NOUN
ajbmeb-1431	3	10	to	to	PART
ajbmeb-1431	3	11	improve	improve	VERB
ajbmeb-1431	3	12	the	the	DET
ajbmeb-1431	3	13	efficiency	efficiency	NOUN
ajbmeb-1431	3	14	of	of	ADP
ajbmeb-1431	3	15	banking	banking	NOUN
ajbmeb-1431	3	16	services	service	NOUN
ajbmeb-1431	3	17	based	base	VERB
ajbmeb-1431	3	18	on	on	ADP
ajbmeb-1431	3	19	the	the	DET
ajbmeb-1431	3	20	introduction	introduction	NOUN
ajbmeb-1431	3	21	of	of	ADP
ajbmeb-1431	3	22	a	a	DET
ajbmeb-1431	3	23	business	business	NOUN
ajbmeb-1431	3	24	ecosystem	ecosystem	NOUN
ajbmeb-1431	3	25	in	in	ADP
ajbmeb-1431	3	26	the	the	DET
ajbmeb-1431	3	27	commercial	commercial	ADJ
ajbmeb-1431	3	28	banks	bank	NOUN
ajbmeb-1431	3	29	of	of	ADP
ajbmeb-1431	3	30	our	our	PRON
ajbmeb-1431	3	31	country	country	NOUN
ajbmeb-1431	3	32	,	,	PUNCT
ajbmeb-1431	3	33	the	the	DET
ajbmeb-1431	3	34	essence	essence	NOUN
ajbmeb-1431	3	35	of	of	ADP
ajbmeb-1431	3	36	the	the	DET
ajbmeb-1431	3	37	banking	banking	NOUN
ajbmeb-1431	3	38	business	business	NOUN
ajbmeb-1431	3	39	ecosystem	ecosystem	PROPN
ajbmeb-1431	3	40	,	,	PUNCT
ajbmeb-1431	3	41	the	the	DET
ajbmeb-1431	3	42	history	history	NOUN
ajbmeb-1431	3	43	of	of	ADP
ajbmeb-1431	3	44	development	development	NOUN
ajbmeb-1431	3	45	,	,	PUNCT
ajbmeb-1431	3	46	and	and	CCONJ
ajbmeb-1431	3	47	the	the	DET
ajbmeb-1431	3	48	prospects	prospect	NOUN
ajbmeb-1431	3	49	for	for	ADP
ajbmeb-1431	3	50	improving	improve	VERB
ajbmeb-1431	3	51	the	the	DET
ajbmeb-1431	3	52	advantages	advantage	NOUN
ajbmeb-1431	3	53	of	of	ADP
ajbmeb-1431	3	54	the	the	DET
ajbmeb-1431	3	55	business	business	NOUN
ajbmeb-1431	3	56	ecosystem	ecosystem	NOUN
ajbmeb-1431	3	57	in	in	ADP
ajbmeb-1431	3	58	commercial	commercial	ADJ
ajbmeb-1431	3	59	banks	bank	NOUN
ajbmeb-1431	3	60	.	.	PUNCT
ajbmeb-1431	4	1	in	in	ADP
ajbmeb-1431	4	2	particular	particular	ADJ
ajbmeb-1431	4	3	,	,	PUNCT
ajbmeb-1431	4	4	the	the	DET
ajbmeb-1431	4	5	article	article	NOUN
ajbmeb-1431	4	6	presents	present	VERB
ajbmeb-1431	4	7	the	the	DET
ajbmeb-1431	4	8	existing	exist	VERB
ajbmeb-1431	4	9	problems	problem	NOUN
ajbmeb-1431	4	10	in	in	ADP
ajbmeb-1431	4	11	increasing	increase	VERB
ajbmeb-1431	4	12	the	the	DET
ajbmeb-1431	4	13	efficiency	efficiency	NOUN
ajbmeb-1431	4	14	of	of	ADP
ajbmeb-1431	4	15	the	the	DET
ajbmeb-1431	4	16	business	business	NOUN
ajbmeb-1431	4	17	ecosystem	ecosystem	NOUN
ajbmeb-1431	4	18	in	in	ADP
ajbmeb-1431	4	19	commercial	commercial	ADJ
ajbmeb-1431	4	20	banks	bank	NOUN
ajbmeb-1431	4	21	based	base	VERB
ajbmeb-1431	4	22	on	on	ADP
ajbmeb-1431	4	23	the	the	DET
ajbmeb-1431	4	24	introduction	introduction	NOUN
ajbmeb-1431	4	25	of	of	ADP
ajbmeb-1431	4	26	innovations	innovation	NOUN
ajbmeb-1431	4	27	,	,	PUNCT
ajbmeb-1431	4	28	as	as	ADV
ajbmeb-1431	4	29	well	well	ADV
ajbmeb-1431	4	30	as	as	ADP
ajbmeb-1431	4	31	the	the	DET
ajbmeb-1431	4	32	author	author	NOUN
ajbmeb-1431	4	33	's	's	PART
ajbmeb-1431	4	34	recommended	recommend	VERB
ajbmeb-1431	4	35	approaches	approach	NOUN
ajbmeb-1431	4	36	and	and	CCONJ
ajbmeb-1431	4	37	suggestions	suggestion	NOUN
ajbmeb-1431	4	38	for	for	ADP
ajbmeb-1431	4	39	their	their	PRON
ajbmeb-1431	4	40	elimination	elimination	NOUN
ajbmeb-1431	4	41	.	.	PUNCT
ajbmeb-1431	5	1	commercial	commercial	ADJ
ajbmeb-1431	5	2	banking	banking	NOUN
ajbmeb-1431	5	3	,	,	PUNCT
ajbmeb-1431	5	4	innovation	innovation	NOUN
ajbmeb-1431	5	5	,	,	PUNCT
ajbmeb-1431	5	6	digital	digital	ADJ
ajbmeb-1431	5	7	business	business	NOUN
ajbmeb-1431	5	8	,	,	PUNCT
ajbmeb-1431	5	9	ecosystem	ecosystem	NOUN
ajbmeb-1431	5	10	,	,	PUNCT
ajbmeb-1431	5	11	efficiency	efficiency	NOUN
ajbmeb-1431	5	12	,	,	PUNCT
ajbmeb-1431	5	13	innovative	innovative	ADJ
ajbmeb-1431	5	14	services	service	NOUN
ajbmeb-1431	5	15	,	,	PUNCT
ajbmeb-1431	5	16	new	new	ADJ
ajbmeb-1431	5	17	types	type	NOUN
ajbmeb-1431	5	18	of	of	ADP
ajbmeb-1431	5	19	services	service	NOUN
ajbmeb-1431	5	20	,	,	PUNCT
ajbmeb-1431	5	21	banking	banking	NOUN
ajbmeb-1431	5	22	business	business	NOUN
ajbmeb-1431	5	23	ecosystems	ecosystem	NOUN
ajbmeb-1431	5	24	.	.	PUNCT
ajbmeb-1431	6	1	introduction	introduction	NOUN
ajbmeb-1431	6	2	banking	banking	NOUN
ajbmeb-1431	6	3	business	business	NOUN
ajbmeb-1431	6	4	ecosystems	ecosystem	NOUN
ajbmeb-1431	6	5	are	be	AUX
ajbmeb-1431	6	6	networks	network	NOUN
ajbmeb-1431	6	7	of	of	ADP
ajbmeb-1431	6	8	interrelated	interrelated	ADJ
ajbmeb-1431	6	9	organizations	organization	NOUN
ajbmeb-1431	6	10	,	,	PUNCT
ajbmeb-1431	6	11	services	service	NOUN
ajbmeb-1431	6	12	,	,	PUNCT
ajbmeb-1431	6	13	and	and	CCONJ
ajbmeb-1431	6	14	technologies	technology	NOUN
ajbmeb-1431	6	15	that	that	PRON
ajbmeb-1431	6	16	work	work	VERB
ajbmeb-1431	6	17	together	together	ADV
ajbmeb-1431	6	18	to	to	PART
ajbmeb-1431	6	19	provide	provide	VERB
ajbmeb-1431	6	20	financial	financial	ADJ
ajbmeb-1431	6	21	services	service	NOUN
ajbmeb-1431	6	22	.	.	PUNCT
ajbmeb-1431	7	1	they	they	PRON
ajbmeb-1431	7	2	bring	bring	VERB
ajbmeb-1431	7	3	together	together	ADV
ajbmeb-1431	7	4	banks	bank	NOUN
ajbmeb-1431	7	5	,	,	PUNCT
ajbmeb-1431	7	6	financial	financial	ADJ
ajbmeb-1431	7	7	institutions	institution	NOUN
ajbmeb-1431	7	8	,	,	PUNCT
ajbmeb-1431	7	9	technology	technology	NOUN
ajbmeb-1431	7	10	providers	provider	NOUN
ajbmeb-1431	7	11	and	and	CCONJ
ajbmeb-1431	7	12	other	other	ADJ
ajbmeb-1431	7	13	market	market	NOUN
ajbmeb-1431	7	14	participants	participant	NOUN
ajbmeb-1431	7	15	to	to	PART
ajbmeb-1431	7	16	create	create	VERB
ajbmeb-1431	7	17	innovative	innovative	ADJ
ajbmeb-1431	7	18	and	and	CCONJ
ajbmeb-1431	7	19	effective	effective	ADJ
ajbmeb-1431	7	20	solutions	solution	NOUN
ajbmeb-1431	7	21	for	for	ADP
ajbmeb-1431	7	22	clients	client	NOUN
ajbmeb-1431	7	23	.	.	PUNCT
ajbmeb-1431	8	1	another	another	DET
ajbmeb-1431	8	2	important	important	ADJ
ajbmeb-1431	8	3	aspect	aspect	NOUN
ajbmeb-1431	8	4	of	of	ADP
ajbmeb-1431	8	5	banking	banking	NOUN
ajbmeb-1431	8	6	business	business	NOUN
ajbmeb-1431	8	7	ecosystems	ecosystem	NOUN
ajbmeb-1431	8	8	is	be	AUX
ajbmeb-1431	8	9	the	the	DET
ajbmeb-1431	8	10	development	development	NOUN
ajbmeb-1431	8	11	of	of	ADP
ajbmeb-1431	8	12	partnerships	partnership	NOUN
ajbmeb-1431	8	13	with	with	ADP
ajbmeb-1431	8	14	technology	technology	NOUN
ajbmeb-1431	8	15	providers	provider	NOUN
ajbmeb-1431	8	16	and	and	CCONJ
ajbmeb-1431	8	17	other	other	ADJ
ajbmeb-1431	8	18	companies	company	NOUN
ajbmeb-1431	8	19	.	.	PUNCT
ajbmeb-1431	9	1	thanks	thank	NOUN
ajbmeb-1431	9	2	to	to	ADP
ajbmeb-1431	9	3	this	this	PRON
ajbmeb-1431	9	4	,	,	PUNCT
ajbmeb-1431	9	5	banks	bank	NOUN
ajbmeb-1431	9	6	can	can	AUX
ajbmeb-1431	9	7	use	use	VERB
ajbmeb-1431	9	8	advanced	advanced	ADJ
ajbmeb-1431	9	9	technologies	technology	NOUN
ajbmeb-1431	9	10	and	and	CCONJ
ajbmeb-1431	9	11	innovations	innovation	NOUN
ajbmeb-1431	9	12	to	to	PART
ajbmeb-1431	9	13	improve	improve	VERB
ajbmeb-1431	9	14	their	their	PRON
ajbmeb-1431	9	15	products	product	NOUN
ajbmeb-1431	9	16	and	and	CCONJ
ajbmeb-1431	9	17	services	service	NOUN
ajbmeb-1431	9	18	.	.	PUNCT
ajbmeb-1431	10	1	the	the	DET
ajbmeb-1431	10	2	main	main	ADJ
ajbmeb-1431	10	3	objective	objective	NOUN
ajbmeb-1431	10	4	of	of	ADP
ajbmeb-1431	10	5	the	the	DET
ajbmeb-1431	10	6	banking	banking	NOUN
ajbmeb-1431	10	7	business	business	NOUN
ajbmeb-1431	10	8	ecosystem	ecosystem	NOUN
ajbmeb-1431	10	9	is	be	AUX
ajbmeb-1431	10	10	to	to	PART
ajbmeb-1431	10	11	provide	provide	VERB
ajbmeb-1431	10	12	customers	customer	NOUN
ajbmeb-1431	10	13	with	with	ADP
ajbmeb-1431	10	14	a	a	DET
ajbmeb-1431	10	15	wide	wide	ADJ
ajbmeb-1431	10	16	range	range	NOUN
ajbmeb-1431	10	17	of	of	ADP
ajbmeb-1431	10	18	financial	financial	ADJ
ajbmeb-1431	10	19	services	service	NOUN
ajbmeb-1431	10	20	and	and	CCONJ
ajbmeb-1431	10	21	products	product	NOUN
ajbmeb-1431	10	22	in	in	ADP
ajbmeb-1431	10	23	an	an	DET
ajbmeb-1431	10	24	integrated	integrate	VERB
ajbmeb-1431	10	25	format	format	NOUN
ajbmeb-1431	10	26	.	.	PUNCT
ajbmeb-1431	11	1	thanks	thank	NOUN
ajbmeb-1431	11	2	to	to	ADP
ajbmeb-1431	11	3	cooperation	cooperation	NOUN
ajbmeb-1431	11	4	with	with	ADP
ajbmeb-1431	11	5	various	various	ADJ
ajbmeb-1431	11	6	partners	partner	NOUN
ajbmeb-1431	11	7	,	,	PUNCT
ajbmeb-1431	11	8	banks	bank	NOUN
ajbmeb-1431	11	9	can	can	AUX
ajbmeb-1431	11	10	offer	offer	VERB
ajbmeb-1431	11	11	their	their	PRON
ajbmeb-1431	11	12	customers	customer	NOUN
ajbmeb-1431	11	13	additional	additional	ADJ
ajbmeb-1431	11	14	services	service	NOUN
ajbmeb-1431	11	15	such	such	ADJ
ajbmeb-1431	11	16	as	as	ADP
ajbmeb-1431	11	17	online	online	ADJ
ajbmeb-1431	11	18	payments	payment	NOUN
ajbmeb-1431	11	19	,	,	PUNCT
ajbmeb-1431	11	20	investment	investment	NOUN
ajbmeb-1431	11	21	advice	advice	NOUN
ajbmeb-1431	11	22	or	or	CCONJ
ajbmeb-1431	11	23	insurance	insurance	NOUN
ajbmeb-1431	11	24	.	.	PUNCT
ajbmeb-1431	12	1	understanding	understand	VERB
ajbmeb-1431	12	2	the	the	DET
ajbmeb-1431	12	3	context	context	NOUN
ajbmeb-1431	12	4	and	and	CCONJ
ajbmeb-1431	12	5	nature	nature	NOUN
ajbmeb-1431	12	6	of	of	ADP
ajbmeb-1431	12	7	the	the	DET
ajbmeb-1431	12	8	banking	banking	NOUN
ajbmeb-1431	12	9	business	business	NOUN
ajbmeb-1431	12	10	ecosystem	ecosystem	NOUN
ajbmeb-1431	12	11	is	be	AUX
ajbmeb-1431	12	12	critical	critical	ADJ
ajbmeb-1431	12	13	to	to	ADP
ajbmeb-1431	12	14	managing	manage	VERB
ajbmeb-1431	12	15	the	the	DET
ajbmeb-1431	12	16	complexities	complexity	NOUN
ajbmeb-1431	12	17	of	of	ADP
ajbmeb-1431	12	18	the	the	DET
ajbmeb-1431	12	19	financial	financial	ADJ
ajbmeb-1431	12	20	industry	industry	NOUN
ajbmeb-1431	12	21	,	,	PUNCT
ajbmeb-1431	12	22	making	make	VERB
ajbmeb-1431	12	23	informed	informed	ADJ
ajbmeb-1431	12	24	decisions	decision	NOUN
ajbmeb-1431	12	25	,	,	PUNCT
ajbmeb-1431	12	26	and	and	CCONJ
ajbmeb-1431	12	27	ensuring	ensure	VERB
ajbmeb-1431	12	28	the	the	DET
ajbmeb-1431	12	29	stability	stability	NOUN
ajbmeb-1431	12	30	and	and	CCONJ
ajbmeb-1431	12	31	growth	growth	NOUN
ajbmeb-1431	12	32	of	of	ADP
ajbmeb-1431	12	33	the	the	DET
ajbmeb-1431	12	34	banking	banking	NOUN
ajbmeb-1431	12	35	sector	sector	NOUN
ajbmeb-1431	12	36	within	within	ADP
ajbmeb-1431	12	37	the	the	DET
ajbmeb-1431	12	38	broader	broad	ADJ
ajbmeb-1431	12	39	economy	economy	NOUN
ajbmeb-1431	12	40	.	.	PUNCT
ajbmeb-1431	13	1	it	it	PRON
ajbmeb-1431	13	2	is	be	AUX
ajbmeb-1431	13	3	commercial	commercial	ADJ
ajbmeb-1431	13	4	banks	bank	NOUN
ajbmeb-1431	13	5	that	that	PRON
ajbmeb-1431	13	6	are	be	AUX
ajbmeb-1431	13	7	the	the	DET
ajbmeb-1431	13	8	main	main	ADJ
ajbmeb-1431	13	9	entities	entity	NOUN
ajbmeb-1431	13	10	in	in	ADP
ajbmeb-1431	13	11	the	the	DET
ajbmeb-1431	13	12	banking	banking	NOUN
ajbmeb-1431	13	13	business	business	NOUN
ajbmeb-1431	13	14	ecosystem	ecosystem	NOUN
ajbmeb-1431	13	15	.	.	PUNCT
ajbmeb-1431	14	1	they	they	PRON
ajbmeb-1431	14	2	serve	serve	VERB
ajbmeb-1431	14	3	as	as	ADP
ajbmeb-1431	14	4	the	the	DET
ajbmeb-1431	14	5	backbone	backbone	NOUN
ajbmeb-1431	14	6	of	of	ADP
ajbmeb-1431	14	7	the	the	DET
ajbmeb-1431	14	8	financial	financial	ADJ
ajbmeb-1431	14	9	industry	industry	NOUN
ajbmeb-1431	14	10	,	,	PUNCT
ajbmeb-1431	14	11	offering	offer	VERB
ajbmeb-1431	14	12	a	a	DET
ajbmeb-1431	14	13	variety	variety	NOUN
ajbmeb-1431	14	14	of	of	ADP
ajbmeb-1431	14	15	services	service	NOUN
ajbmeb-1431	14	16	to	to	ADP
ajbmeb-1431	14	17	both	both	DET
ajbmeb-1431	14	18	individuals	individual	NOUN
ajbmeb-1431	14	19	and	and	CCONJ
ajbmeb-1431	14	20	businesses	business	NOUN
ajbmeb-1431	14	21	.	.	PUNCT
ajbmeb-1431	15	1	these	these	DET
ajbmeb-1431	15	2	services	service	NOUN
ajbmeb-1431	15	3	range	range	VERB
ajbmeb-1431	15	4	from	from	ADP
ajbmeb-1431	15	5	traditional	traditional	ADJ
ajbmeb-1431	15	6	functions	function	NOUN
ajbmeb-1431	15	7	such	such	ADJ
ajbmeb-1431	15	8	as	as	ADP
ajbmeb-1431	15	9	deposits	deposit	NOUN
ajbmeb-1431	15	10	and	and	CCONJ
ajbmeb-1431	15	11	loans	loan	NOUN
ajbmeb-1431	15	12	to	to	ADP
ajbmeb-1431	15	13	more	more	ADV
ajbmeb-1431	15	14	sophisticated	sophisticated	ADJ
ajbmeb-1431	15	15	offerings	offering	NOUN
ajbmeb-1431	15	16	in	in	ADP
ajbmeb-1431	15	17	investments	investment	NOUN
ajbmeb-1431	15	18	and	and	CCONJ
ajbmeb-1431	15	19	payment	payment	NOUN
ajbmeb-1431	15	20	processing	processing	NOUN
ajbmeb-1431	15	21	.	.	PUNCT
ajbmeb-1431	16	1	this	this	DET
ajbmeb-1431	16	2	multifaceted	multifaceted	ADJ
ajbmeb-1431	16	3	role	role	NOUN
ajbmeb-1431	16	4	makes	make	VERB
ajbmeb-1431	16	5	commercial	commercial	ADJ
ajbmeb-1431	16	6	banks	bank	NOUN
ajbmeb-1431	16	7	play	play	VERB
ajbmeb-1431	16	8	a	a	DET
ajbmeb-1431	16	9	key	key	ADJ
ajbmeb-1431	16	10	role	role	NOUN
ajbmeb-1431	16	11	in	in	ADP
ajbmeb-1431	16	12	facilitating	facilitate	VERB
ajbmeb-1431	16	13	economic	economic	ADJ
ajbmeb-1431	16	14	activity	activity	NOUN
ajbmeb-1431	16	15	and	and	CCONJ
ajbmeb-1431	16	16	ensuring	ensure	VERB
ajbmeb-1431	16	17	financial	financial	ADJ
ajbmeb-1431	16	18	stability	stability	NOUN
ajbmeb-1431	16	19	in	in	ADP
ajbmeb-1431	16	20	the	the	DET
ajbmeb-1431	16	21	economy	economy	NOUN
ajbmeb-1431	16	22	.	.	PUNCT
ajbmeb-1431	17	1	american	american	ADJ
ajbmeb-1431	17	2	journal	journal	PROPN
ajbmeb-1431	17	3	of	of	ADP
ajbmeb-1431	17	4	business	business	NOUN
ajbmeb-1431	17	5	management	management	NOUN
ajbmeb-1431	17	6	,	,	PUNCT
ajbmeb-1431	17	7	economics	economic	NOUN
ajbmeb-1431	17	8	and	and	CCONJ
ajbmeb-1431	17	9	banking	banking	NOUN
ajbmeb-1431	17	10	volume	volume	NOUN
ajbmeb-1431	17	11	18	18	NUM
ajbmeb-1431	17	12	nov	nov	PROPN
ajbmeb-1431	17	13	.	.	PROPN
ajbmeb-1431	17	14	,	,	PUNCT
ajbmeb-1431	17	15	2023	2023	NUM
ajbmeb-1431	17	16	p	p	NOUN
ajbmeb-1431	17	17	a	a	DET
ajbmeb-1431	17	18	g	g	NOUN
ajbmeb-1431	17	19	e	e	NOUN
ajbmeb-1431	17	20	|	|	ADV
ajbmeb-1431	17	21	51	51	NUM
ajbmeb-1431	17	22	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1431	17	23	analysis	analysis	NOUN
ajbmeb-1431	17	24	of	of	ADP
ajbmeb-1431	17	25	literature	literature	NOUN
ajbmeb-1431	17	26	the	the	DET
ajbmeb-1431	17	27	banking	banking	NOUN
ajbmeb-1431	17	28	business	business	NOUN
ajbmeb-1431	17	29	ecosystem	ecosystem	NOUN
ajbmeb-1431	17	30	is	be	AUX
ajbmeb-1431	17	31	a	a	DET
ajbmeb-1431	17	32	set	set	NOUN
ajbmeb-1431	17	33	of	of	ADP
ajbmeb-1431	17	34	interrelated	interrelated	ADJ
ajbmeb-1431	17	35	and	and	CCONJ
ajbmeb-1431	17	36	interacting	interact	VERB
ajbmeb-1431	17	37	elements	element	NOUN
ajbmeb-1431	17	38	,	,	PUNCT
ajbmeb-1431	17	39	elements	element	NOUN
ajbmeb-1431	17	40	,	,	PUNCT
ajbmeb-1431	17	41	products	product	NOUN
ajbmeb-1431	17	42	and	and	CCONJ
ajbmeb-1431	17	43	services	service	NOUN
ajbmeb-1431	17	44	that	that	PRON
ajbmeb-1431	17	45	make	make	VERB
ajbmeb-1431	17	46	up	up	ADP
ajbmeb-1431	17	47	the	the	DET
ajbmeb-1431	17	48	business	business	NOUN
ajbmeb-1431	17	49	environment	environment	NOUN
ajbmeb-1431	17	50	for	for	ADP
ajbmeb-1431	17	51	banking	banking	NOUN
ajbmeb-1431	17	52	activities	activity	NOUN
ajbmeb-1431	17	53	.	.	PUNCT
ajbmeb-1431	18	1	the	the	DET
ajbmeb-1431	18	2	banking	banking	NOUN
ajbmeb-1431	18	3	business	business	NOUN
ajbmeb-1431	18	4	ecosystem	ecosystem	NOUN
ajbmeb-1431	18	5	includes	include	VERB
ajbmeb-1431	18	6	not	not	PART
ajbmeb-1431	18	7	only	only	ADV
ajbmeb-1431	18	8	the	the	DET
ajbmeb-1431	18	9	bank	bank	NOUN
ajbmeb-1431	18	10	itself	itself	PRON
ajbmeb-1431	18	11	and	and	CCONJ
ajbmeb-1431	18	12	its	its	PRON
ajbmeb-1431	18	13	customers	customer	NOUN
ajbmeb-1431	18	14	,	,	PUNCT
ajbmeb-1431	18	15	but	but	CCONJ
ajbmeb-1431	18	16	also	also	ADV
ajbmeb-1431	18	17	various	various	ADJ
ajbmeb-1431	18	18	partners	partner	NOUN
ajbmeb-1431	18	19	and	and	CCONJ
ajbmeb-1431	18	20	service	service	NOUN
ajbmeb-1431	18	21	providers	provider	NOUN
ajbmeb-1431	18	22	.	.	PUNCT
ajbmeb-1431	19	1	these	these	PRON
ajbmeb-1431	19	2	can	can	AUX
ajbmeb-1431	19	3	be	be	AUX
ajbmeb-1431	19	4	fintech	fintech	NOUN
ajbmeb-1431	19	5	companies	company	NOUN
ajbmeb-1431	19	6	,	,	PUNCT
ajbmeb-1431	19	7	payment	payment	NOUN
ajbmeb-1431	19	8	systems	system	NOUN
ajbmeb-1431	19	9	,	,	PUNCT
ajbmeb-1431	19	10	insurance	insurance	NOUN
ajbmeb-1431	19	11	companies	company	NOUN
ajbmeb-1431	19	12	,	,	PUNCT
ajbmeb-1431	19	13	financial	financial	ADJ
ajbmeb-1431	19	14	data	datum	NOUN
ajbmeb-1431	19	15	aggregators	aggregator	NOUN
ajbmeb-1431	19	16	and	and	CCONJ
ajbmeb-1431	19	17	other	other	ADJ
ajbmeb-1431	19	18	market	market	NOUN
ajbmeb-1431	19	19	participants	participant	NOUN
ajbmeb-1431	19	20	.	.	PUNCT
ajbmeb-1431	20	1	today	today	NOUN
ajbmeb-1431	20	2	,	,	PUNCT
ajbmeb-1431	20	3	many	many	ADJ
ajbmeb-1431	20	4	scientists	scientist	NOUN
ajbmeb-1431	20	5	and	and	CCONJ
ajbmeb-1431	20	6	researchers	researcher	NOUN
ajbmeb-1431	20	7	have	have	AUX
ajbmeb-1431	20	8	conducted	conduct	VERB
ajbmeb-1431	20	9	scientific	scientific	ADJ
ajbmeb-1431	20	10	research	research	NOUN
ajbmeb-1431	20	11	on	on	ADP
ajbmeb-1431	20	12	the	the	DET
ajbmeb-1431	20	13	business	business	NOUN
ajbmeb-1431	20	14	ecosystem	ecosystem	NOUN
ajbmeb-1431	20	15	of	of	ADP
ajbmeb-1431	20	16	commercial	commercial	ADJ
ajbmeb-1431	20	17	banks	bank	NOUN
ajbmeb-1431	20	18	.	.	PUNCT
ajbmeb-1431	21	1	in	in	ADP
ajbmeb-1431	21	2	particular	particular	ADJ
ajbmeb-1431	21	3	,	,	PUNCT
ajbmeb-1431	21	4	the	the	DET
ajbmeb-1431	21	5	dutch	dutch	PROPN
ajbmeb-1431	21	6	economist	economist	NOUN
ajbmeb-1431	21	7	marta	marta	PROPN
ajbmeb-1431	21	8	szymanowska	szymanowska	PROPN
ajbmeb-1431	21	9	studied	study	VERB
ajbmeb-1431	21	10	various	various	ADJ
ajbmeb-1431	21	11	aspects	aspect	NOUN
ajbmeb-1431	21	12	of	of	ADP
ajbmeb-1431	21	13	banking	banking	NOUN
ajbmeb-1431	21	14	ecosystems	ecosystem	NOUN
ajbmeb-1431	21	15	,	,	PUNCT
ajbmeb-1431	21	16	including	include	VERB
ajbmeb-1431	21	17	the	the	DET
ajbmeb-1431	21	18	impact	impact	NOUN
ajbmeb-1431	21	19	of	of	ADP
ajbmeb-1431	21	20	financial	financial	ADJ
ajbmeb-1431	21	21	innovations	innovation	NOUN
ajbmeb-1431	21	22	and	and	CCONJ
ajbmeb-1431	21	23	the	the	DET
ajbmeb-1431	21	24	role	role	NOUN
ajbmeb-1431	21	25	of	of	ADP
ajbmeb-1431	21	26	banks	bank	NOUN
ajbmeb-1431	21	27	in	in	ADP
ajbmeb-1431	21	28	the	the	DET
ajbmeb-1431	21	29	economy	economy	NOUN
ajbmeb-1431	22	1	[	[	X
ajbmeb-1431	22	2	1	1	NUM
ajbmeb-1431	22	3	]	]	PUNCT
ajbmeb-1431	22	4	.	.	PUNCT
ajbmeb-1431	23	1	economist	economist	PROPN
ajbmeb-1431	23	2	a.	a.	PROPN
ajbmeb-1431	23	3	ivanov	ivanov	PROPN
ajbmeb-1431	23	4	expressed	express	VERB
ajbmeb-1431	23	5	the	the	DET
ajbmeb-1431	23	6	opinion	opinion	NOUN
ajbmeb-1431	23	7	that	that	SCONJ
ajbmeb-1431	23	8	the	the	DET
ajbmeb-1431	23	9	concept	concept	NOUN
ajbmeb-1431	23	10	of	of	ADP
ajbmeb-1431	23	11	ecosystem	ecosystem	NOUN
ajbmeb-1431	23	12	in	in	ADP
ajbmeb-1431	23	13	the	the	DET
ajbmeb-1431	23	14	banking	banking	NOUN
ajbmeb-1431	23	15	business	business	NOUN
ajbmeb-1431	23	16	,	,	PUNCT
ajbmeb-1431	23	17	the	the	DET
ajbmeb-1431	23	18	integration	integration	NOUN
ajbmeb-1431	23	19	of	of	ADP
ajbmeb-1431	23	20	several	several	ADJ
ajbmeb-1431	23	21	services	service	NOUN
ajbmeb-1431	23	22	related	relate	VERB
ajbmeb-1431	23	23	to	to	ADP
ajbmeb-1431	23	24	the	the	DET
ajbmeb-1431	23	25	common	common	ADJ
ajbmeb-1431	23	26	value	value	NOUN
ajbmeb-1431	23	27	for	for	ADP
ajbmeb-1431	23	28	the	the	DET
ajbmeb-1431	23	29	client	client	NOUN
ajbmeb-1431	23	30	into	into	ADP
ajbmeb-1431	23	31	one	one	NUM
ajbmeb-1431	23	32	user	user	NOUN
ajbmeb-1431	23	33	interface	interface	NOUN
ajbmeb-1431	23	34	creates	create	VERB
ajbmeb-1431	23	35	a	a	DET
ajbmeb-1431	23	36	number	number	NOUN
ajbmeb-1431	23	37	of	of	ADP
ajbmeb-1431	23	38	conveniences	convenience	NOUN
ajbmeb-1431	23	39	[	[	X
ajbmeb-1431	23	40	2	2	NUM
ajbmeb-1431	23	41	]	]	PUNCT
ajbmeb-1431	23	42	.	.	PUNCT
ajbmeb-1431	24	1	according	accord	VERB
ajbmeb-1431	24	2	to	to	ADP
ajbmeb-1431	24	3	the	the	DET
ajbmeb-1431	24	4	mckinsey	mckinsey	NOUN
ajbmeb-1431	24	5	consulting	consulting	PROPN
ajbmeb-1431	24	6	organization	organization	NOUN
ajbmeb-1431	24	7	's	's	PART
ajbmeb-1431	24	8	report	report	NOUN
ajbmeb-1431	24	9	,	,	PUNCT
ajbmeb-1431	24	10	"	"	PUNCT
ajbmeb-1431	24	11	return	return	VERB
ajbmeb-1431	24	12	on	on	ADP
ajbmeb-1431	24	13	equity	equity	NOUN
ajbmeb-1431	24	14	(	(	PUNCT
ajbmeb-1431	24	15	roe	roe	PROPN
ajbmeb-1431	24	16	)	)	PUNCT
ajbmeb-1431	24	17	in	in	ADP
ajbmeb-1431	24	18	the	the	DET
ajbmeb-1431	24	19	world	world	NOUN
ajbmeb-1431	24	20	's	's	PART
ajbmeb-1431	24	21	banks	bank	NOUN
ajbmeb-1431	24	22	has	have	AUX
ajbmeb-1431	24	23	remained	remain	VERB
ajbmeb-1431	24	24	stable	stable	ADJ
ajbmeb-1431	24	25	,	,	PUNCT
ajbmeb-1431	24	26	that	that	ADV
ajbmeb-1431	24	27	is	is	ADV
ajbmeb-1431	24	28	,	,	PUNCT
ajbmeb-1431	24	29	in	in	ADP
ajbmeb-1431	24	30	the	the	DET
ajbmeb-1431	24	31	last	last	ADJ
ajbmeb-1431	24	32	10	10	NUM
ajbmeb-1431	24	33	years	year	NOUN
ajbmeb-1431	24	34	,	,	PUNCT
ajbmeb-1431	24	35	this	this	DET
ajbmeb-1431	24	36	indicator	indicator	NOUN
ajbmeb-1431	24	37	has	have	AUX
ajbmeb-1431	24	38	been	be	AUX
ajbmeb-1431	24	39	around	around	ADV
ajbmeb-1431	24	40	8	8	NUM
ajbmeb-1431	24	41	-	-	SYM
ajbmeb-1431	24	42	10	10	NUM
ajbmeb-1431	24	43	percent	percent	NOUN
ajbmeb-1431	24	44	on	on	ADP
ajbmeb-1431	24	45	average	average	ADJ
ajbmeb-1431	24	46	.	.	PUNCT
ajbmeb-1431	25	1	it	it	PRON
ajbmeb-1431	25	2	is	be	AUX
ajbmeb-1431	25	3	estimated	estimate	VERB
ajbmeb-1431	25	4	that	that	SCONJ
ajbmeb-1431	25	5	this	this	DET
ajbmeb-1431	25	6	indicator	indicator	NOUN
ajbmeb-1431	25	7	will	will	AUX
ajbmeb-1431	25	8	be	be	AUX
ajbmeb-1431	25	9	in	in	ADP
ajbmeb-1431	25	10	the	the	DET
ajbmeb-1431	25	11	range	range	NOUN
ajbmeb-1431	25	12	of	of	ADP
ajbmeb-1431	25	13	5.2	5.2	NUM
ajbmeb-1431	25	14	-	-	SYM
ajbmeb-1431	25	15	9.3	9.3	NUM
ajbmeb-1431	25	16	percent	percent	NOUN
ajbmeb-1431	25	17	by	by	ADP
ajbmeb-1431	25	18	2025	2025	NUM
ajbmeb-1431	25	19	"	"	PUNCT
ajbmeb-1431	26	1	[	[	X
ajbmeb-1431	26	2	3	3	NUM
ajbmeb-1431	26	3	]	]	PUNCT
ajbmeb-1431	26	4	.	.	PUNCT
ajbmeb-1431	27	1	this	this	DET
ajbmeb-1431	27	2	situation	situation	NOUN
ajbmeb-1431	27	3	is	be	AUX
ajbmeb-1431	27	4	not	not	PART
ajbmeb-1431	27	5	limited	limit	VERB
ajbmeb-1431	27	6	to	to	ADP
ajbmeb-1431	27	7	financial	financial	ADJ
ajbmeb-1431	27	8	services	service	NOUN
ajbmeb-1431	27	9	of	of	ADP
ajbmeb-1431	27	10	the	the	DET
ajbmeb-1431	27	11	banking	banking	NOUN
ajbmeb-1431	27	12	system	system	NOUN
ajbmeb-1431	27	13	,	,	PUNCT
ajbmeb-1431	27	14	but	but	CCONJ
ajbmeb-1431	27	15	encourages	encourage	VERB
ajbmeb-1431	27	16	the	the	DET
ajbmeb-1431	27	17	development	development	NOUN
ajbmeb-1431	27	18	of	of	ADP
ajbmeb-1431	27	19	the	the	DET
ajbmeb-1431	27	20	ecosystem	ecosystem	NOUN
ajbmeb-1431	27	21	mechanism	mechanism	NOUN
ajbmeb-1431	27	22	.	.	PUNCT
ajbmeb-1431	28	1	at	at	ADP
ajbmeb-1431	28	2	the	the	DET
ajbmeb-1431	28	3	same	same	ADJ
ajbmeb-1431	28	4	time	time	NOUN
ajbmeb-1431	28	5	,	,	PUNCT
ajbmeb-1431	28	6	online	online	ADJ
ajbmeb-1431	28	7	e	e	NOUN
ajbmeb-1431	28	8	-	-	NOUN
ajbmeb-1431	28	9	commerce	commerce	NOUN
ajbmeb-1431	28	10	platforms	platform	NOUN
ajbmeb-1431	28	11	allow	allow	VERB
ajbmeb-1431	28	12	banks	bank	NOUN
ajbmeb-1431	28	13	to	to	PART
ajbmeb-1431	28	14	keep	keep	VERB
ajbmeb-1431	28	15	in	in	ADV
ajbmeb-1431	28	16	close	close	ADJ
ajbmeb-1431	28	17	contact	contact	NOUN
ajbmeb-1431	28	18	with	with	ADP
ajbmeb-1431	28	19	their	their	PRON
ajbmeb-1431	28	20	customers	customer	NOUN
ajbmeb-1431	28	21	,	,	PUNCT
ajbmeb-1431	28	22	as	as	ADV
ajbmeb-1431	28	23	well	well	ADV
ajbmeb-1431	28	24	as	as	ADP
ajbmeb-1431	28	25	determine	determine	VERB
ajbmeb-1431	28	26	their	their	PRON
ajbmeb-1431	28	27	financial	financial	ADJ
ajbmeb-1431	28	28	situation	situation	NOUN
ajbmeb-1431	28	29	,	,	PUNCT
ajbmeb-1431	28	30	psychological	psychological	ADJ
ajbmeb-1431	28	31	portrait	portrait	NOUN
ajbmeb-1431	28	32	,	,	PUNCT
ajbmeb-1431	28	33	and	and	CCONJ
ajbmeb-1431	28	34	wishes	wish	VERB
ajbmeb-1431	28	35	»	»	X
ajbmeb-1431	29	1	[	[	X
ajbmeb-1431	29	2	4	4	NUM
ajbmeb-1431	29	3	]	]	PUNCT
ajbmeb-1431	29	4	.	.	PUNCT
ajbmeb-1431	30	1	mj	mj	PROPN
ajbmeb-1431	30	2	.	.	PUNCT
ajbmeb-1431	31	1	jacobides	jacobides	PROPN
ajbmeb-1431	31	2	,	,	PUNCT
ajbmeb-1431	31	3	k.	k.	PROPN
ajbmeb-1431	31	4	kennamo	kennamo	PROPN
ajbmeb-1431	31	5	,	,	PUNCT
ajbmeb-1431	31	6	a.	a.	NOUN
ajbmeb-1431	31	7	in	in	ADP
ajbmeb-1431	31	8	their	their	PRON
ajbmeb-1431	31	9	research	research	NOUN
ajbmeb-1431	32	1	,	,	PUNCT
ajbmeb-1431	32	2	gaver	gaver	PROPN
ajbmeb-1431	32	3	distinguishes	distinguish	VERB
ajbmeb-1431	32	4	two	two	NUM
ajbmeb-1431	32	5	main	main	ADJ
ajbmeb-1431	32	6	approaches	approach	NOUN
ajbmeb-1431	32	7	to	to	ADP
ajbmeb-1431	32	8	defining	define	VERB
ajbmeb-1431	32	9	the	the	DET
ajbmeb-1431	32	10	concept	concept	NOUN
ajbmeb-1431	32	11	of	of	ADP
ajbmeb-1431	32	12	ecosystem	ecosystem	NOUN
ajbmeb-1431	32	13	:	:	PUNCT
ajbmeb-1431	32	14	in	in	ADP
ajbmeb-1431	32	15	the	the	DET
ajbmeb-1431	32	16	first	first	ADJ
ajbmeb-1431	32	17	approach	approach	NOUN
ajbmeb-1431	32	18	,	,	PUNCT
ajbmeb-1431	32	19	the	the	DET
ajbmeb-1431	32	20	ecosystem	ecosystem	NOUN
ajbmeb-1431	32	21	is	be	AUX
ajbmeb-1431	32	22	considered	consider	VERB
ajbmeb-1431	32	23	as	as	ADP
ajbmeb-1431	32	24	a	a	DET
ajbmeb-1431	32	25	group	group	NOUN
ajbmeb-1431	32	26	of	of	ADP
ajbmeb-1431	32	27	organizations	organization	NOUN
ajbmeb-1431	32	28	that	that	PRON
ajbmeb-1431	32	29	are	be	AUX
ajbmeb-1431	32	30	interrelated	interrelate	VERB
ajbmeb-1431	32	31	in	in	ADP
ajbmeb-1431	32	32	relation	relation	NOUN
ajbmeb-1431	32	33	to	to	ADP
ajbmeb-1431	32	34	production	production	NOUN
ajbmeb-1431	32	35	and	and	CCONJ
ajbmeb-1431	32	36	production	production	NOUN
ajbmeb-1431	32	37	factors	factor	NOUN
ajbmeb-1431	32	38	,	,	PUNCT
ajbmeb-1431	32	39	and	and	CCONJ
ajbmeb-1431	32	40	in	in	ADP
ajbmeb-1431	32	41	the	the	DET
ajbmeb-1431	32	42	second	second	NOUN
ajbmeb-1431	32	43	,	,	PUNCT
ajbmeb-1431	32	44	they	they	PRON
ajbmeb-1431	32	45	recognize	recognize	VERB
ajbmeb-1431	32	46	it	it	PRON
ajbmeb-1431	32	47	as	as	ADP
ajbmeb-1431	32	48	a	a	DET
ajbmeb-1431	32	49	system	system	NOUN
ajbmeb-1431	32	50	of	of	ADP
ajbmeb-1431	32	51	interrelated	interrelated	ADJ
ajbmeb-1431	32	52	technologies	technology	NOUN
ajbmeb-1431	32	53	[	[	X
ajbmeb-1431	32	54	5	5	NUM
ajbmeb-1431	32	55	]	]	PUNCT
ajbmeb-1431	32	56	.	.	PUNCT
ajbmeb-1431	33	1	r.	r.	PROPN
ajbmeb-1431	33	2	in	in	ADP
ajbmeb-1431	33	3	his	his	PRON
ajbmeb-1431	33	4	scientific	scientific	ADJ
ajbmeb-1431	33	5	views	view	NOUN
ajbmeb-1431	33	6	,	,	PUNCT
ajbmeb-1431	33	7	adner	adner	NOUN
ajbmeb-1431	33	8	interprets	interpret	VERB
ajbmeb-1431	33	9	ecosystems	ecosystem	NOUN
ajbmeb-1431	33	10	in	in	ADP
ajbmeb-1431	33	11	two	two	NUM
ajbmeb-1431	33	12	main	main	ADJ
ajbmeb-1431	33	13	directions	direction	NOUN
ajbmeb-1431	33	14	:	:	PUNCT
ajbmeb-1431	33	15	ecosystems	ecosystem	NOUN
ajbmeb-1431	33	16	as	as	ADP
ajbmeb-1431	33	17	affiliation	affiliation	NOUN
ajbmeb-1431	33	18	and	and	CCONJ
ajbmeb-1431	33	19	ecosystems	ecosystem	NOUN
ajbmeb-1431	33	20	as	as	ADP
ajbmeb-1431	33	21	structure	structure	NOUN
ajbmeb-1431	33	22	.	.	PUNCT
ajbmeb-1431	34	1	in	in	ADP
ajbmeb-1431	34	2	this	this	DET
ajbmeb-1431	34	3	case	case	NOUN
ajbmeb-1431	34	4	,	,	PUNCT
ajbmeb-1431	34	5	the	the	DET
ajbmeb-1431	34	6	ecosystem	ecosystem	NOUN
ajbmeb-1431	34	7	,	,	PUNCT
ajbmeb-1431	34	8	as	as	ADP
ajbmeb-1431	34	9	belonging	belong	VERB
ajbmeb-1431	34	10	,	,	PUNCT
ajbmeb-1431	34	11	focuses	focus	VERB
ajbmeb-1431	34	12	on	on	ADP
ajbmeb-1431	34	13	the	the	DET
ajbmeb-1431	34	14	dissolution	dissolution	NOUN
ajbmeb-1431	34	15	of	of	ADP
ajbmeb-1431	34	16	traditional	traditional	ADJ
ajbmeb-1431	34	17	industry	industry	NOUN
ajbmeb-1431	34	18	boundaries	boundary	NOUN
ajbmeb-1431	34	19	and	and	CCONJ
ajbmeb-1431	34	20	the	the	DET
ajbmeb-1431	34	21	growth	growth	NOUN
ajbmeb-1431	34	22	of	of	ADP
ajbmeb-1431	34	23	interdependence	interdependence	NOUN
ajbmeb-1431	34	24	and	and	CCONJ
ajbmeb-1431	34	25	symbiotic	symbiotic	ADJ
ajbmeb-1431	34	26	relationships	relationship	NOUN
ajbmeb-1431	34	27	between	between	ADP
ajbmeb-1431	34	28	companies	company	NOUN
ajbmeb-1431	34	29	,	,	PUNCT
ajbmeb-1431	34	30	both	both	CCONJ
ajbmeb-1431	34	31	within	within	ADP
ajbmeb-1431	34	32	the	the	DET
ajbmeb-1431	34	33	same	same	ADJ
ajbmeb-1431	34	34	industry	industry	NOUN
ajbmeb-1431	34	35	and	and	CCONJ
ajbmeb-1431	34	36	across	across	ADP
ajbmeb-1431	34	37	industries	industry	NOUN
ajbmeb-1431	34	38	.	.	PUNCT
ajbmeb-1431	35	1	with	with	ADP
ajbmeb-1431	35	2	an	an	DET
ajbmeb-1431	35	3	ecosystem	ecosystem	NOUN
ajbmeb-1431	35	4	as	as	ADP
ajbmeb-1431	35	5	a	a	DET
ajbmeb-1431	35	6	structure	structure	NOUN
ajbmeb-1431	35	7	,	,	PUNCT
ajbmeb-1431	35	8	the	the	DET
ajbmeb-1431	35	9	focus	focus	NOUN
ajbmeb-1431	35	10	is	be	AUX
ajbmeb-1431	35	11	on	on	ADP
ajbmeb-1431	35	12	learning	learn	VERB
ajbmeb-1431	35	13	to	to	PART
ajbmeb-1431	35	14	create	create	VERB
ajbmeb-1431	35	15	a	a	DET
ajbmeb-1431	35	16	value	value	NOUN
ajbmeb-1431	35	17	proposition	proposition	NOUN
ajbmeb-1431	35	18	and	and	CCONJ
ajbmeb-1431	35	19	interact	interact	VERB
ajbmeb-1431	35	20	to	to	PART
ajbmeb-1431	35	21	achieve	achieve	VERB
ajbmeb-1431	35	22	a	a	DET
ajbmeb-1431	35	23	particular	particular	ADJ
ajbmeb-1431	35	24	value	value	NOUN
ajbmeb-1431	35	25	proposition	proposition	NOUN
ajbmeb-1431	35	26	.	.	PUNCT
ajbmeb-1431	36	1	according	accord	VERB
ajbmeb-1431	36	2	to	to	ADP
ajbmeb-1431	36	3	r.	r.	PROPN
ajbmeb-1431	36	4	adner	adner	PROPN
ajbmeb-1431	36	5	,	,	PUNCT
ajbmeb-1431	36	6	the	the	DET
ajbmeb-1431	36	7	concept	concept	NOUN
ajbmeb-1431	36	8	of	of	ADP
ajbmeb-1431	36	9	ecosystem	ecosystem	NOUN
ajbmeb-1431	36	10	as	as	ADP
ajbmeb-1431	36	11	belonging	belong	VERB
ajbmeb-1431	36	12	is	be	AUX
ajbmeb-1431	36	13	not	not	PART
ajbmeb-1431	36	14	a	a	DET
ajbmeb-1431	36	15	completely	completely	ADV
ajbmeb-1431	36	16	new	new	ADJ
ajbmeb-1431	36	17	concept	concept	NOUN
ajbmeb-1431	36	18	,	,	PUNCT
ajbmeb-1431	36	19	but	but	CCONJ
ajbmeb-1431	36	20	a	a	DET
ajbmeb-1431	36	21	slightly	slightly	ADV
ajbmeb-1431	36	22	improved	improved	ADJ
ajbmeb-1431	36	23	concept	concept	NOUN
ajbmeb-1431	36	24	that	that	PRON
ajbmeb-1431	36	25	studies	study	VERB
ajbmeb-1431	36	26	the	the	DET
ajbmeb-1431	36	27	enterprise	enterprise	NOUN
ajbmeb-1431	36	28	at	at	ADP
ajbmeb-1431	36	29	a	a	DET
ajbmeb-1431	36	30	generalized	generalized	ADJ
ajbmeb-1431	36	31	or	or	CCONJ
ajbmeb-1431	36	32	macro	macro	ADJ
ajbmeb-1431	36	33	level	level	NOUN
ajbmeb-1431	36	34	.	.	PUNCT
ajbmeb-1431	37	1	also	also	ADV
ajbmeb-1431	37	2	,	,	PUNCT
ajbmeb-1431	37	3	ron	ron	PROPN
ajbmeb-1431	37	4	adner	adner	PROPN
ajbmeb-1431	37	5	defines	define	VERB
ajbmeb-1431	37	6	an	an	DET
ajbmeb-1431	37	7	ecosystem	ecosystem	NOUN
ajbmeb-1431	37	8	as	as	ADP
ajbmeb-1431	37	9	"	"	PUNCT
ajbmeb-1431	37	10	a	a	DET
ajbmeb-1431	37	11	set	set	NOUN
ajbmeb-1431	37	12	of	of	ADP
ajbmeb-1431	37	13	multifaceted	multifaceted	ADJ
ajbmeb-1431	37	14	partners	partner	NOUN
ajbmeb-1431	37	15	that	that	PRON
ajbmeb-1431	37	16	must	must	AUX
ajbmeb-1431	37	17	interact	interact	VERB
ajbmeb-1431	37	18	to	to	PART
ajbmeb-1431	37	19	realize	realize	VERB
ajbmeb-1431	37	20	certain	certain	ADJ
ajbmeb-1431	37	21	value	value	NOUN
ajbmeb-1431	37	22	propositions	proposition	NOUN
ajbmeb-1431	37	23	and	and	CCONJ
ajbmeb-1431	37	24	are	be	AUX
ajbmeb-1431	37	25	interconnected	interconnect	VERB
ajbmeb-1431	37	26	by	by	ADP
ajbmeb-1431	37	27	a	a	DET
ajbmeb-1431	37	28	structure	structure	NOUN
ajbmeb-1431	37	29	that	that	PRON
ajbmeb-1431	37	30	ensures	ensure	VERB
ajbmeb-1431	37	31	the	the	DET
ajbmeb-1431	37	32	coherence	coherence	NOUN
ajbmeb-1431	37	33	of	of	ADP
ajbmeb-1431	37	34	innovative	innovative	ADJ
ajbmeb-1431	37	35	activities	activity	NOUN
ajbmeb-1431	37	36	"	"	PUNCT
ajbmeb-1431	37	37	[	[	X
ajbmeb-1431	37	38	6	6	NUM
ajbmeb-1431	37	39	]	]	PUNCT
ajbmeb-1431	37	40	.	.	PUNCT
ajbmeb-1431	38	1	r.	r.	PROPN
ajbmeb-1431	38	2	kapoor	kapoor	PROPN
ajbmeb-1431	38	3	,	,	PUNCT
ajbmeb-1431	38	4	a.	a.	NOUN
ajbmeb-1431	38	5	gaver	gaver	PROPN
ajbmeb-1431	38	6	,	,	PUNCT
ajbmeb-1431	38	7	m.	m.	NOUN
ajbmeb-1431	38	8	cusumano	cusumano	PROPN
ajbmeb-1431	38	9	,	,	PUNCT
ajbmeb-1431	38	10	g.	g.	PROPN
ajbmeb-1431	38	11	parker	parker	PROPN
ajbmeb-1431	38	12	,	,	PUNCT
ajbmeb-1431	38	13	m.	m.	NOUN
ajbmeb-1431	38	14	in	in	ADP
ajbmeb-1431	38	15	their	their	PRON
ajbmeb-1431	38	16	research	research	NOUN
ajbmeb-1431	38	17	,	,	PUNCT
ajbmeb-1431	38	18	van	van	PROPN
ajbmeb-1431	38	19	-	-	PUNCT
ajbmeb-1431	38	20	alstine	alstine	NOUN
ajbmeb-1431	38	21	focuses	focus	VERB
ajbmeb-1431	38	22	on	on	ADP
ajbmeb-1431	38	23	platformbased	platformbase	VERB
ajbmeb-1431	38	24	business	business	NOUN
ajbmeb-1431	38	25	ecosystems	ecosystem	NOUN
ajbmeb-1431	38	26	and	and	CCONJ
ajbmeb-1431	38	27	distinguishes	distinguish	VERB
ajbmeb-1431	38	28	between	between	ADP
ajbmeb-1431	38	29	product	product	NOUN
ajbmeb-1431	38	30	-	-	PUNCT
ajbmeb-1431	38	31	based	base	VERB
ajbmeb-1431	38	32	ecosystems	ecosystem	NOUN
ajbmeb-1431	38	33	and	and	CCONJ
ajbmeb-1431	38	34	platform	platform	NOUN
ajbmeb-1431	38	35	-	-	PUNCT
ajbmeb-1431	38	36	based	base	VERB
ajbmeb-1431	38	37	ecosystems	ecosystem	NOUN
ajbmeb-1431	38	38	[	[	X
ajbmeb-1431	38	39	7	7	NUM
ajbmeb-1431	38	40	]	]	PUNCT
ajbmeb-1431	38	41	.	.	PUNCT
ajbmeb-1431	39	1	research	research	NOUN
ajbmeb-1431	39	2	methodology	methodology	NOUN
ajbmeb-1431	39	3	scientific	scientific	ADJ
ajbmeb-1431	39	4	abstraction	abstraction	NOUN
ajbmeb-1431	39	5	,	,	PUNCT
ajbmeb-1431	39	6	grouping	grouping	NOUN
ajbmeb-1431	39	7	,	,	PUNCT
ajbmeb-1431	39	8	comparison	comparison	NOUN
ajbmeb-1431	39	9	,	,	PUNCT
ajbmeb-1431	39	10	retrospective	retrospective	ADJ
ajbmeb-1431	39	11	and	and	CCONJ
ajbmeb-1431	39	12	prospective	prospective	ADJ
ajbmeb-1431	39	13	,	,	PUNCT
ajbmeb-1431	39	14	empirical	empirical	ADJ
ajbmeb-1431	39	15	analysis	analysis	NOUN
ajbmeb-1431	39	16	and	and	CCONJ
ajbmeb-1431	39	17	other	other	ADJ
ajbmeb-1431	39	18	methods	method	NOUN
ajbmeb-1431	39	19	were	be	AUX
ajbmeb-1431	39	20	used	use	VERB
ajbmeb-1431	39	21	in	in	ADP
ajbmeb-1431	39	22	the	the	DET
ajbmeb-1431	39	23	article	article	NOUN
ajbmeb-1431	39	24	.	.	PUNCT
ajbmeb-1431	40	1	in	in	ADP
ajbmeb-1431	40	2	the	the	DET
ajbmeb-1431	40	3	article	article	NOUN
ajbmeb-1431	40	4	,	,	PUNCT
ajbmeb-1431	40	5	the	the	DET
ajbmeb-1431	40	6	scientific	scientific	ADJ
ajbmeb-1431	40	7	and	and	CCONJ
ajbmeb-1431	40	8	practical	practical	ADJ
ajbmeb-1431	40	9	importance	importance	NOUN
ajbmeb-1431	40	10	of	of	ADP
ajbmeb-1431	40	11	improving	improve	VERB
ajbmeb-1431	40	12	the	the	DET
ajbmeb-1431	40	13	theoretical	theoretical	ADJ
ajbmeb-1431	40	14	,	,	PUNCT
ajbmeb-1431	40	15	organizational	organizational	ADJ
ajbmeb-1431	40	16	and	and	CCONJ
ajbmeb-1431	40	17	legal	legal	ADJ
ajbmeb-1431	40	18	basis	basis	NOUN
ajbmeb-1431	40	19	of	of	ADP
ajbmeb-1431	40	20	ways	way	NOUN
ajbmeb-1431	40	21	of	of	ADP
ajbmeb-1431	40	22	using	use	VERB
ajbmeb-1431	40	23	the	the	DET
ajbmeb-1431	40	24	business	business	NOUN
ajbmeb-1431	40	25	ecosystem	ecosystem	NOUN
ajbmeb-1431	40	26	in	in	ADP
ajbmeb-1431	40	27	commercial	commercial	ADJ
ajbmeb-1431	40	28	banks	bank	NOUN
ajbmeb-1431	40	29	using	use	VERB
ajbmeb-1431	40	30	the	the	DET
ajbmeb-1431	40	31	method	method	NOUN
ajbmeb-1431	40	32	of	of	ADP
ajbmeb-1431	40	33	scientific	scientific	ADJ
ajbmeb-1431	40	34	abstraction	abstraction	NOUN
ajbmeb-1431	40	35	was	be	AUX
ajbmeb-1431	40	36	highlighted	highlight	VERB
ajbmeb-1431	40	37	.	.	PUNCT
ajbmeb-1431	41	1	also	also	ADV
ajbmeb-1431	41	2	,	,	PUNCT
ajbmeb-1431	41	3	based	base	VERB
ajbmeb-1431	41	4	on	on	ADP
ajbmeb-1431	41	5	the	the	DET
ajbmeb-1431	41	6	introduction	introduction	NOUN
ajbmeb-1431	41	7	of	of	ADP
ajbmeb-1431	41	8	innovations	innovation	NOUN
ajbmeb-1431	41	9	in	in	ADP
ajbmeb-1431	41	10	the	the	DET
ajbmeb-1431	41	11	world	world	NOUN
ajbmeb-1431	41	12	practice	practice	NOUN
ajbmeb-1431	41	13	and	and	CCONJ
ajbmeb-1431	41	14	developed	developed	ADJ
ajbmeb-1431	41	15	countries	country	NOUN
ajbmeb-1431	41	16	,	,	PUNCT
ajbmeb-1431	41	17	the	the	DET
ajbmeb-1431	41	18	organizational	organizational	ADJ
ajbmeb-1431	41	19	and	and	CCONJ
ajbmeb-1431	41	20	legal	legal	ADJ
ajbmeb-1431	41	21	bases	basis	NOUN
ajbmeb-1431	41	22	of	of	ADP
ajbmeb-1431	41	23	the	the	DET
ajbmeb-1431	41	24	ways	way	NOUN
ajbmeb-1431	41	25	of	of	ADP
ajbmeb-1431	41	26	increasing	increase	VERB
ajbmeb-1431	41	27	the	the	DET
ajbmeb-1431	41	28	efficiency	efficiency	NOUN
ajbmeb-1431	41	29	of	of	ADP
ajbmeb-1431	41	30	the	the	DET
ajbmeb-1431	41	31	business	business	NOUN
ajbmeb-1431	41	32	ecosystem	ecosystem	NOUN
ajbmeb-1431	41	33	in	in	ADP
ajbmeb-1431	41	34	commercial	commercial	ADJ
ajbmeb-1431	41	35	banks	bank	NOUN
ajbmeb-1431	41	36	with	with	ADP
ajbmeb-1431	41	37	the	the	DET
ajbmeb-1431	41	38	existing	exist	VERB
ajbmeb-1431	41	39	bases	basis	NOUN
ajbmeb-1431	41	40	in	in	ADP
ajbmeb-1431	41	41	our	our	PRON
ajbmeb-1431	41	42	country	country	NOUN
ajbmeb-1431	41	43	were	be	AUX
ajbmeb-1431	41	44	formed	form	VERB
ajbmeb-1431	41	45	.	.	PUNCT
ajbmeb-1431	42	1	american	american	PROPN
ajbmeb-1431	42	2	journal	journal	PROPN
ajbmeb-1431	42	3	of	of	ADP
ajbmeb-1431	42	4	business	business	NOUN
ajbmeb-1431	42	5	management	management	NOUN
ajbmeb-1431	42	6	,	,	PUNCT
ajbmeb-1431	42	7	economics	economic	NOUN
ajbmeb-1431	42	8	and	and	CCONJ
ajbmeb-1431	42	9	banking	banking	NOUN
ajbmeb-1431	42	10	volume	volume	NOUN
ajbmeb-1431	42	11	18	18	NUM
ajbmeb-1431	42	12	nov	nov	PROPN
ajbmeb-1431	42	13	.	.	PROPN
ajbmeb-1431	42	14	,	,	PUNCT
ajbmeb-1431	42	15	2023	2023	NUM
ajbmeb-1431	42	16	p	p	NOUN
ajbmeb-1431	42	17	a	a	DET
ajbmeb-1431	42	18	g	g	NOUN
ajbmeb-1431	42	19	e	e	NOUN
ajbmeb-1431	42	20	|	|	ADV
ajbmeb-1431	42	21	52	52	NUM
ajbmeb-1431	42	22	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1431	42	23	analysis	analysis	NOUN
ajbmeb-1431	42	24	and	and	CCONJ
ajbmeb-1431	42	25	results	result	NOUN
ajbmeb-1431	42	26	when	when	SCONJ
ajbmeb-1431	42	27	analyzing	analyze	VERB
ajbmeb-1431	42	28	ecosystems	ecosystem	NOUN
ajbmeb-1431	42	29	as	as	ADP
ajbmeb-1431	42	30	a	a	DET
ajbmeb-1431	42	31	new	new	ADJ
ajbmeb-1431	42	32	means	mean	NOUN
ajbmeb-1431	42	33	of	of	ADP
ajbmeb-1431	42	34	increasing	increase	VERB
ajbmeb-1431	42	35	competitiveness	competitiveness	NOUN
ajbmeb-1431	42	36	in	in	ADP
ajbmeb-1431	42	37	the	the	DET
ajbmeb-1431	42	38	market	market	NOUN
ajbmeb-1431	42	39	of	of	ADP
ajbmeb-1431	42	40	financial	financial	ADJ
ajbmeb-1431	42	41	and	and	CCONJ
ajbmeb-1431	42	42	banking	banking	NOUN
ajbmeb-1431	42	43	services	service	NOUN
ajbmeb-1431	42	44	,	,	PUNCT
ajbmeb-1431	42	45	it	it	PRON
ajbmeb-1431	42	46	is	be	AUX
ajbmeb-1431	42	47	necessary	necessary	ADJ
ajbmeb-1431	42	48	to	to	PART
ajbmeb-1431	42	49	understand	understand	VERB
ajbmeb-1431	42	50	the	the	DET
ajbmeb-1431	42	51	meaning	meaning	NOUN
ajbmeb-1431	42	52	of	of	ADP
ajbmeb-1431	42	53	the	the	DET
ajbmeb-1431	42	54	term	term	NOUN
ajbmeb-1431	42	55	"	"	PUNCT
ajbmeb-1431	42	56	ecosystem	ecosystem	NOUN
ajbmeb-1431	42	57	"	"	PUNCT
ajbmeb-1431	42	58	from	from	ADP
ajbmeb-1431	42	59	a	a	DET
ajbmeb-1431	42	60	scientific	scientific	ADJ
ajbmeb-1431	42	61	point	point	NOUN
ajbmeb-1431	42	62	of	of	ADP
ajbmeb-1431	42	63	view	view	NOUN
ajbmeb-1431	42	64	,	,	PUNCT
ajbmeb-1431	42	65	according	accord	VERB
ajbmeb-1431	42	66	to	to	ADP
ajbmeb-1431	42	67	its	its	PRON
ajbmeb-1431	42	68	structure	structure	NOUN
ajbmeb-1431	42	69	and	and	CCONJ
ajbmeb-1431	42	70	various	various	ADJ
ajbmeb-1431	42	71	characteristics	characteristic	NOUN
ajbmeb-1431	42	72	.	.	PUNCT
ajbmeb-1431	43	1	thus	thus	ADV
ajbmeb-1431	43	2	,	,	PUNCT
ajbmeb-1431	43	3	currently	currently	ADV
ajbmeb-1431	43	4	there	there	PRON
ajbmeb-1431	43	5	are	be	VERB
ajbmeb-1431	43	6	several	several	ADJ
ajbmeb-1431	43	7	definitions	definition	NOUN
ajbmeb-1431	43	8	of	of	ADP
ajbmeb-1431	43	9	the	the	DET
ajbmeb-1431	43	10	essence	essence	NOUN
ajbmeb-1431	43	11	of	of	ADP
ajbmeb-1431	43	12	the	the	DET
ajbmeb-1431	43	13	ecosystem	ecosystem	NOUN
ajbmeb-1431	43	14	in	in	ADP
ajbmeb-1431	43	15	scientific	scientific	ADJ
ajbmeb-1431	43	16	works	work	NOUN
ajbmeb-1431	43	17	,	,	PUNCT
ajbmeb-1431	43	18	which	which	PRON
ajbmeb-1431	43	19	differ	differ	VERB
ajbmeb-1431	43	20	primarily	primarily	ADV
ajbmeb-1431	43	21	in	in	ADP
ajbmeb-1431	43	22	the	the	DET
ajbmeb-1431	43	23	direction	direction	NOUN
ajbmeb-1431	43	24	of	of	ADP
ajbmeb-1431	43	25	companies	company	NOUN
ajbmeb-1431	43	26	,	,	PUNCT
ajbmeb-1431	43	27	their	their	PRON
ajbmeb-1431	43	28	goals	goal	NOUN
ajbmeb-1431	43	29	and	and	CCONJ
ajbmeb-1431	43	30	the	the	DET
ajbmeb-1431	43	31	angle	angle	NOUN
ajbmeb-1431	43	32	of	of	ADP
ajbmeb-1431	43	33	their	their	PRON
ajbmeb-1431	43	34	study	study	NOUN
ajbmeb-1431	43	35	.	.	PUNCT
ajbmeb-1431	44	1	figure	figure	NOUN
ajbmeb-1431	44	2	1	1	NUM
ajbmeb-1431	44	3	.	.	PUNCT
ajbmeb-1431	45	1	signs	sign	NOUN
ajbmeb-1431	45	2	of	of	ADP
ajbmeb-1431	45	3	digital	digital	ADJ
ajbmeb-1431	45	4	banking	banking	NOUN
ajbmeb-1431	45	5	ecosystems	ecosystem	NOUN
ajbmeb-1431	45	6	today	today	NOUN
ajbmeb-1431	45	7	,	,	PUNCT
ajbmeb-1431	45	8	special	special	ADJ
ajbmeb-1431	45	9	attention	attention	NOUN
ajbmeb-1431	45	10	is	be	AUX
ajbmeb-1431	45	11	being	be	AUX
ajbmeb-1431	45	12	paid	pay	VERB
ajbmeb-1431	45	13	to	to	ADP
ajbmeb-1431	45	14	the	the	DET
ajbmeb-1431	45	15	introduction	introduction	NOUN
ajbmeb-1431	45	16	of	of	ADP
ajbmeb-1431	45	17	digital	digital	ADJ
ajbmeb-1431	45	18	technologies	technology	NOUN
ajbmeb-1431	45	19	into	into	ADP
ajbmeb-1431	45	20	the	the	DET
ajbmeb-1431	45	21	banking	banking	NOUN
ajbmeb-1431	45	22	business	business	NOUN
ajbmeb-1431	45	23	,	,	PUNCT
ajbmeb-1431	45	24	its	its	PRON
ajbmeb-1431	45	25	transformation	transformation	NOUN
ajbmeb-1431	45	26	and	and	CCONJ
ajbmeb-1431	45	27	improvement	improvement	NOUN
ajbmeb-1431	45	28	of	of	ADP
ajbmeb-1431	45	29	customer	customer	NOUN
ajbmeb-1431	45	30	service	service	NOUN
ajbmeb-1431	45	31	lines	line	NOUN
ajbmeb-1431	45	32	.	.	PUNCT
ajbmeb-1431	46	1	many	many	ADJ
ajbmeb-1431	46	2	authors	author	NOUN
ajbmeb-1431	46	3	express	express	VERB
ajbmeb-1431	46	4	their	their	PRON
ajbmeb-1431	46	5	opinions	opinion	NOUN
ajbmeb-1431	46	6	about	about	ADP
ajbmeb-1431	46	7	the	the	DET
ajbmeb-1431	46	8	importance	importance	NOUN
ajbmeb-1431	46	9	of	of	ADP
ajbmeb-1431	46	10	creating	create	VERB
ajbmeb-1431	46	11	business	business	NOUN
ajbmeb-1431	46	12	ecosystems	ecosystem	NOUN
ajbmeb-1431	46	13	for	for	ADP
ajbmeb-1431	46	14	banks	bank	NOUN
ajbmeb-1431	46	15	,	,	PUNCT
ajbmeb-1431	46	16	their	their	PRON
ajbmeb-1431	46	17	advantages	advantage	NOUN
ajbmeb-1431	46	18	,	,	PUNCT
ajbmeb-1431	46	19	as	as	ADV
ajbmeb-1431	46	20	well	well	ADV
ajbmeb-1431	46	21	as	as	ADP
ajbmeb-1431	46	22	their	their	PRON
ajbmeb-1431	46	23	impact	impact	NOUN
ajbmeb-1431	46	24	on	on	ADP
ajbmeb-1431	46	25	the	the	DET
ajbmeb-1431	46	26	development	development	NOUN
ajbmeb-1431	46	27	of	of	ADP
ajbmeb-1431	46	28	the	the	DET
ajbmeb-1431	46	29	financial	financial	ADJ
ajbmeb-1431	46	30	market	market	NOUN
ajbmeb-1431	46	31	.	.	PUNCT
ajbmeb-1431	47	1	in	in	ADP
ajbmeb-1431	47	2	particular	particular	ADJ
ajbmeb-1431	47	3	,	,	PUNCT
ajbmeb-1431	47	4	the	the	DET
ajbmeb-1431	47	5	need	need	NOUN
ajbmeb-1431	47	6	to	to	PART
ajbmeb-1431	47	7	organize	organize	VERB
ajbmeb-1431	47	8	ecosystems	ecosystem	NOUN
ajbmeb-1431	47	9	around	around	ADP
ajbmeb-1431	47	10	the	the	DET
ajbmeb-1431	47	11	banking	banking	NOUN
ajbmeb-1431	47	12	business	business	NOUN
ajbmeb-1431	47	13	,	,	PUNCT
ajbmeb-1431	47	14	their	their	PRON
ajbmeb-1431	47	15	features	feature	NOUN
ajbmeb-1431	47	16	and	and	CCONJ
ajbmeb-1431	47	17	advantages	advantage	NOUN
ajbmeb-1431	47	18	for	for	ADP
ajbmeb-1431	47	19	banks	bank	NOUN
ajbmeb-1431	47	20	,	,	PUNCT
ajbmeb-1431	47	21	a	a	DET
ajbmeb-1431	47	22	fundamental	fundamental	ADJ
ajbmeb-1431	47	23	review	review	NOUN
ajbmeb-1431	47	24	of	of	ADP
ajbmeb-1431	47	25	the	the	DET
ajbmeb-1431	47	26	banking	banking	NOUN
ajbmeb-1431	47	27	business	business	NOUN
ajbmeb-1431	47	28	,	,	PUNCT
ajbmeb-1431	47	29	changing	change	VERB
ajbmeb-1431	47	30	its	its	PRON
ajbmeb-1431	47	31	business	business	NOUN
ajbmeb-1431	47	32	model	model	NOUN
ajbmeb-1431	47	33	in	in	ADP
ajbmeb-1431	47	34	the	the	DET
ajbmeb-1431	47	35	conditions	condition	NOUN
ajbmeb-1431	47	36	of	of	ADP
ajbmeb-1431	47	37	working	work	VERB
ajbmeb-1431	47	38	in	in	ADP
ajbmeb-1431	47	39	the	the	DET
ajbmeb-1431	47	40	ecosystem	ecosystem	NOUN
ajbmeb-1431	47	41	,	,	PUNCT
ajbmeb-1431	47	42	despite	despite	SCONJ
ajbmeb-1431	47	43	the	the	DET
ajbmeb-1431	47	44	fact	fact	NOUN
ajbmeb-1431	47	45	that	that	SCONJ
ajbmeb-1431	47	46	special	special	ADJ
ajbmeb-1431	47	47	attention	attention	NOUN
ajbmeb-1431	47	48	is	be	AUX
ajbmeb-1431	47	49	paid	pay	VERB
ajbmeb-1431	47	50	to	to	ADP
ajbmeb-1431	47	51	the	the	DET
ajbmeb-1431	47	52	problems	problem	NOUN
ajbmeb-1431	47	53	faced	face	VERB
ajbmeb-1431	47	54	by	by	ADP
ajbmeb-1431	47	55	the	the	DET
ajbmeb-1431	47	56	banks	bank	NOUN
ajbmeb-1431	47	57	in	in	ADP
ajbmeb-1431	47	58	the	the	DET
ajbmeb-1431	47	59	business	business	NOUN
ajbmeb-1431	47	60	ecosystem	ecosystem	NOUN
ajbmeb-1431	47	61	have	have	AUX
ajbmeb-1431	47	62	not	not	PART
ajbmeb-1431	47	63	been	be	AUX
ajbmeb-1431	47	64	fully	fully	ADV
ajbmeb-1431	47	65	studied	study	VERB
ajbmeb-1431	47	66	yet	yet	ADV
ajbmeb-1431	47	67	.	.	PUNCT
ajbmeb-1431	48	1	a.a	a.a	PROPN
ajbmeb-1431	48	2	.	.	PROPN
ajbmeb-1431	48	3	kobylko	kobylko	PROPN
ajbmeb-1431	48	4	defines	define	VERB
ajbmeb-1431	48	5	the	the	DET
ajbmeb-1431	48	6	ecosystem	ecosystem	NOUN
ajbmeb-1431	48	7	as	as	ADP
ajbmeb-1431	48	8	a	a	DET
ajbmeb-1431	48	9	complex	complex	NOUN
ajbmeb-1431	48	10	of	of	ADP
ajbmeb-1431	48	11	enterprises	enterprise	NOUN
ajbmeb-1431	48	12	that	that	PRON
ajbmeb-1431	48	13	offer	offer	VERB
ajbmeb-1431	48	14	products	product	NOUN
ajbmeb-1431	48	15	and	and	CCONJ
ajbmeb-1431	48	16	services	service	NOUN
ajbmeb-1431	48	17	from	from	ADP
ajbmeb-1431	48	18	various	various	ADJ
ajbmeb-1431	48	19	sectors	sector	NOUN
ajbmeb-1431	48	20	of	of	ADP
ajbmeb-1431	48	21	the	the	DET
ajbmeb-1431	48	22	economy	economy	NOUN
ajbmeb-1431	48	23	primarily	primarily	ADV
ajbmeb-1431	48	24	under	under	ADP
ajbmeb-1431	48	25	a	a	DET
ajbmeb-1431	48	26	single	single	ADJ
ajbmeb-1431	48	27	brand	brand	NOUN
ajbmeb-1431	48	28	and	and	CCONJ
ajbmeb-1431	48	29	without	without	ADP
ajbmeb-1431	48	30	recourse	recourse	NOUN
ajbmeb-1431	48	31	to	to	ADP
ajbmeb-1431	48	32	a	a	DET
ajbmeb-1431	48	33	legal	legal	ADJ
ajbmeb-1431	48	34	entity	entity	NOUN
ajbmeb-1431	48	35	[	[	X
ajbmeb-1431	48	36	8	8	NUM
ajbmeb-1431	48	37	]	]	PUNCT
ajbmeb-1431	48	38	.	.	PUNCT
ajbmeb-1431	49	1	however	however	ADV
ajbmeb-1431	49	2	,	,	PUNCT
ajbmeb-1431	49	3	in	in	ADP
ajbmeb-1431	49	4	this	this	DET
ajbmeb-1431	49	5	case	case	NOUN
ajbmeb-1431	49	6	,	,	PUNCT
ajbmeb-1431	49	7	according	accord	VERB
ajbmeb-1431	49	8	to	to	ADP
ajbmeb-1431	49	9	the	the	DET
ajbmeb-1431	49	10	author	author	NOUN
ajbmeb-1431	49	11	of	of	ADP
ajbmeb-1431	49	12	the	the	DET
ajbmeb-1431	49	13	dissertation	dissertation	NOUN
ajbmeb-1431	49	14	,	,	PUNCT
ajbmeb-1431	49	15	the	the	DET
ajbmeb-1431	49	16	fundamental	fundamental	ADJ
ajbmeb-1431	49	17	and	and	CCONJ
ajbmeb-1431	49	18	specific	specific	ADJ
ajbmeb-1431	49	19	features	feature	NOUN
ajbmeb-1431	49	20	of	of	ADP
ajbmeb-1431	49	21	ecosystems	ecosystem	NOUN
ajbmeb-1431	49	22	,	,	PUNCT
ajbmeb-1431	49	23	such	such	ADJ
ajbmeb-1431	49	24	as	as	ADP
ajbmeb-1431	49	25	high	high	ADJ
ajbmeb-1431	49	26	level	level	NOUN
ajbmeb-1431	49	27	of	of	ADP
ajbmeb-1431	49	28	interdependence	interdependence	NOUN
ajbmeb-1431	49	29	and	and	CCONJ
ajbmeb-1431	49	30	complementarity	complementarity	NOUN
ajbmeb-1431	49	31	between	between	ADP
ajbmeb-1431	49	32	ecosystem	ecosystem	NOUN
ajbmeb-1431	49	33	participants	participant	NOUN
ajbmeb-1431	49	34	,	,	PUNCT
ajbmeb-1431	49	35	are	be	AUX
ajbmeb-1431	49	36	not	not	PART
ajbmeb-1431	49	37	taken	take	VERB
ajbmeb-1431	49	38	into	into	ADP
ajbmeb-1431	49	39	account	account	NOUN
ajbmeb-1431	49	40	.	.	PUNCT
ajbmeb-1431	50	1	the	the	DET
ajbmeb-1431	50	2	economic	economic	ADJ
ajbmeb-1431	50	3	definition	definition	NOUN
ajbmeb-1431	50	4	of	of	ADP
ajbmeb-1431	50	5	the	the	DET
ajbmeb-1431	50	6	ecosystem	ecosystem	NOUN
ajbmeb-1431	50	7	concept	concept	NOUN
ajbmeb-1431	50	8	can	can	AUX
ajbmeb-1431	50	9	be	be	AUX
ajbmeb-1431	50	10	broadly	broadly	ADV
ajbmeb-1431	50	11	divided	divide	VERB
ajbmeb-1431	50	12	into	into	ADP
ajbmeb-1431	50	13	three	three	NUM
ajbmeb-1431	50	14	main	main	ADJ
ajbmeb-1431	50	15	groups	group	NOUN
ajbmeb-1431	50	16	.	.	PUNCT
ajbmeb-1431	51	1	american	american	ADJ
ajbmeb-1431	51	2	journal	journal	PROPN
ajbmeb-1431	51	3	of	of	ADP
ajbmeb-1431	51	4	business	business	NOUN
ajbmeb-1431	51	5	management	management	NOUN
ajbmeb-1431	51	6	,	,	PUNCT
ajbmeb-1431	51	7	economics	economic	NOUN
ajbmeb-1431	51	8	and	and	CCONJ
ajbmeb-1431	51	9	banking	banking	NOUN
ajbmeb-1431	51	10	volume	volume	NOUN
ajbmeb-1431	51	11	18	18	NUM
ajbmeb-1431	51	12	nov	nov	PROPN
ajbmeb-1431	51	13	.	.	PROPN
ajbmeb-1431	51	14	,	,	PUNCT
ajbmeb-1431	51	15	2023	2023	NUM
ajbmeb-1431	51	16	p	p	NOUN
ajbmeb-1431	51	17	a	a	DET
ajbmeb-1431	51	18	g	g	NOUN
ajbmeb-1431	51	19	e	e	NOUN
ajbmeb-1431	51	20	|	|	ADV
ajbmeb-1431	51	21	53	53	NUM
ajbmeb-1431	51	22	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1431	51	23	table	table	NOUN
ajbmeb-1431	51	24	1	1	NUM
ajbmeb-1431	51	25	grouping	grouping	NOUN
ajbmeb-1431	51	26	of	of	ADP
ajbmeb-1431	51	27	the	the	DET
ajbmeb-1431	51	28	ecosystem	ecosystem	NOUN
ajbmeb-1431	51	29	concept	concept	NOUN
ajbmeb-1431	51	30	№	№	NUM
ajbmeb-1431	51	31	group	group	NOUN
ajbmeb-1431	51	32	name	name	VERB
ajbmeb-1431	51	33	the	the	DET
ajbmeb-1431	51	34	essence	essence	NOUN
ajbmeb-1431	51	35	of	of	ADP
ajbmeb-1431	51	36	the	the	DET
ajbmeb-1431	51	37	ecosystem	ecosystem	NOUN
ajbmeb-1431	51	38	group	group	NOUN
ajbmeb-1431	51	39	1	1	NUM
ajbmeb-1431	51	40	.	.	PUNCT
ajbmeb-1431	51	41	entrepreneurial	entrepreneurial	ADJ
ajbmeb-1431	51	42	ecosystem	ecosystem	NOUN
ajbmeb-1431	51	43	it	it	PRON
ajbmeb-1431	51	44	refers	refer	VERB
ajbmeb-1431	51	45	to	to	ADP
ajbmeb-1431	51	46	a	a	DET
ajbmeb-1431	51	47	company	company	NOUN
ajbmeb-1431	51	48	or	or	CCONJ
ajbmeb-1431	51	49	group	group	NOUN
ajbmeb-1431	51	50	of	of	ADP
ajbmeb-1431	51	51	companies	company	NOUN
ajbmeb-1431	51	52	and	and	CCONJ
ajbmeb-1431	51	53	its	its	PRON
ajbmeb-1431	51	54	business	business	NOUN
ajbmeb-1431	51	55	environment	environment	NOUN
ajbmeb-1431	51	56	,	,	PUNCT
ajbmeb-1431	51	57	the	the	DET
ajbmeb-1431	51	58	business	business	NOUN
ajbmeb-1431	51	59	ecosystem	ecosystem	NOUN
ajbmeb-1431	51	60	is	be	AUX
ajbmeb-1431	51	61	an	an	DET
ajbmeb-1431	51	62	integral	integral	ADJ
ajbmeb-1431	51	63	part	part	NOUN
ajbmeb-1431	51	64	of	of	ADP
ajbmeb-1431	51	65	a	a	DET
ajbmeb-1431	51	66	broader	broad	ADJ
ajbmeb-1431	51	67	concept	concept	NOUN
ajbmeb-1431	51	68	the	the	DET
ajbmeb-1431	51	69	socio	socio	NOUN
ajbmeb-1431	51	70	-	-	PUNCT
ajbmeb-1431	51	71	economic	economic	ADJ
ajbmeb-1431	51	72	ecosystem	ecosystem	NOUN
ajbmeb-1431	51	73	2	2	NUM
ajbmeb-1431	51	74	.	.	PUNCT
ajbmeb-1431	51	75	innovation	innovation	NOUN
ajbmeb-1431	51	76	ecosystem	ecosystem	NOUN
ajbmeb-1431	51	77	represents	represent	VERB
ajbmeb-1431	51	78	a	a	DET
ajbmeb-1431	51	79	specific	specific	ADJ
ajbmeb-1431	51	80	innovation	innovation	NOUN
ajbmeb-1431	51	81	or	or	CCONJ
ajbmeb-1431	51	82	new	new	ADJ
ajbmeb-1431	51	83	innovative	innovative	ADJ
ajbmeb-1431	51	84	value	value	NOUN
ajbmeb-1431	51	85	proposition	proposition	NOUN
ajbmeb-1431	51	86	and	and	CCONJ
ajbmeb-1431	51	87	the	the	DET
ajbmeb-1431	51	88	group	group	NOUN
ajbmeb-1431	51	89	of	of	ADP
ajbmeb-1431	51	90	actors	actor	NOUN
ajbmeb-1431	51	91	who	who	PRON
ajbmeb-1431	51	92	support	support	VERB
ajbmeb-1431	51	93	it	it	PRON
ajbmeb-1431	51	94	3	3	NUM
ajbmeb-1431	51	95	.	.	PUNCT
ajbmeb-1431	51	96	business	business	NOUN
ajbmeb-1431	51	97	ecosystem	ecosystem	NOUN
ajbmeb-1431	51	98	refers	refer	VERB
ajbmeb-1431	51	99	to	to	ADP
ajbmeb-1431	51	100	a	a	DET
ajbmeb-1431	51	101	group	group	NOUN
ajbmeb-1431	51	102	of	of	ADP
ajbmeb-1431	51	103	interrelated	interrelated	ADJ
ajbmeb-1431	51	104	and	and	CCONJ
ajbmeb-1431	51	105	complementary	complementary	ADJ
ajbmeb-1431	51	106	companies	company	NOUN
ajbmeb-1431	51	107	that	that	PRON
ajbmeb-1431	51	108	interact	interact	VERB
ajbmeb-1431	51	109	to	to	PART
ajbmeb-1431	51	110	create	create	VERB
ajbmeb-1431	51	111	a	a	DET
ajbmeb-1431	51	112	value	value	NOUN
ajbmeb-1431	51	113	proposition	proposition	NOUN
ajbmeb-1431	51	114	it	it	PRON
ajbmeb-1431	51	115	should	should	AUX
ajbmeb-1431	51	116	be	be	AUX
ajbmeb-1431	51	117	noted	note	VERB
ajbmeb-1431	51	118	that	that	SCONJ
ajbmeb-1431	51	119	selected	select	VERB
ajbmeb-1431	51	120	groups	group	NOUN
ajbmeb-1431	51	121	of	of	ADP
ajbmeb-1431	51	122	business	business	NOUN
ajbmeb-1431	51	123	ecosystems	ecosystem	NOUN
ajbmeb-1431	51	124	can	can	AUX
ajbmeb-1431	51	125	be	be	AUX
ajbmeb-1431	51	126	hybrid	hybrid	VERB
ajbmeb-1431	51	127	,	,	PUNCT
ajbmeb-1431	51	128	but	but	CCONJ
ajbmeb-1431	51	129	one	one	NUM
ajbmeb-1431	51	130	of	of	ADP
ajbmeb-1431	51	131	the	the	DET
ajbmeb-1431	51	132	models	model	NOUN
ajbmeb-1431	51	133	usually	usually	ADV
ajbmeb-1431	51	134	dominates	dominate	VERB
ajbmeb-1431	51	135	when	when	SCONJ
ajbmeb-1431	51	136	building	build	VERB
ajbmeb-1431	51	137	business	business	NOUN
ajbmeb-1431	51	138	ecosystems	ecosystem	NOUN
ajbmeb-1431	51	139	.	.	PUNCT
ajbmeb-1431	52	1	based	base	VERB
ajbmeb-1431	52	2	on	on	ADP
ajbmeb-1431	52	3	the	the	DET
ajbmeb-1431	52	4	definitions	definition	NOUN
ajbmeb-1431	52	5	studied	study	VERB
ajbmeb-1431	52	6	above	above	ADV
ajbmeb-1431	52	7	,	,	PUNCT
ajbmeb-1431	52	8	we	we	PRON
ajbmeb-1431	52	9	can	can	AUX
ajbmeb-1431	52	10	build	build	VERB
ajbmeb-1431	52	11	on	on	ADP
ajbmeb-1431	52	12	the	the	DET
ajbmeb-1431	52	13	concept	concept	NOUN
ajbmeb-1431	52	14	of	of	ADP
ajbmeb-1431	52	15	digital	digital	PROPN
ajbmeb-1431	52	16	business	business	NOUN
ajbmeb-1431	52	17	ecosystem	ecosystem	NOUN
ajbmeb-1431	52	18	and	and	CCONJ
ajbmeb-1431	52	19	see	see	VERB
ajbmeb-1431	52	20	the	the	DET
ajbmeb-1431	52	21	ecosystem	ecosystem	NOUN
ajbmeb-1431	52	22	,	,	PUNCT
ajbmeb-1431	52	23	as	as	ADV
ajbmeb-1431	52	24	well	well	ADV
ajbmeb-1431	52	25	as	as	ADP
ajbmeb-1431	52	26	the	the	DET
ajbmeb-1431	52	27	banking	banking	NOUN
ajbmeb-1431	52	28	ecosystem	ecosystem	NOUN
ajbmeb-1431	52	29	,	,	PUNCT
ajbmeb-1431	52	30	as	as	ADP
ajbmeb-1431	52	31	a	a	DET
ajbmeb-1431	52	32	collection	collection	NOUN
ajbmeb-1431	52	33	of	of	ADP
ajbmeb-1431	52	34	companies	company	NOUN
ajbmeb-1431	52	35	or	or	CCONJ
ajbmeb-1431	52	36	services	service	NOUN
ajbmeb-1431	52	37	and	and	CCONJ
ajbmeb-1431	52	38	products	product	NOUN
ajbmeb-1431	52	39	.	.	PUNCT
ajbmeb-1431	53	1	including	include	VERB
ajbmeb-1431	53	2	from	from	ADP
ajbmeb-1431	53	3	different	different	ADJ
ajbmeb-1431	53	4	sectors	sector	NOUN
ajbmeb-1431	53	5	of	of	ADP
ajbmeb-1431	53	6	the	the	DET
ajbmeb-1431	53	7	economy	economy	NOUN
ajbmeb-1431	53	8	)	)	PUNCT
ajbmeb-1431	53	9	interrelated	interrelated	ADJ
ajbmeb-1431	53	10	and	and	CCONJ
ajbmeb-1431	53	11	complementary	complementary	ADJ
ajbmeb-1431	53	12	,	,	PUNCT
ajbmeb-1431	53	13	united	unite	VERB
ajbmeb-1431	53	14	around	around	ADP
ajbmeb-1431	53	15	one	one	NUM
ajbmeb-1431	53	16	organization	organization	NOUN
ajbmeb-1431	53	17	,	,	PUNCT
ajbmeb-1431	53	18	including	include	VERB
ajbmeb-1431	53	19	the	the	DET
ajbmeb-1431	53	20	number	number	NOUN
ajbmeb-1431	53	21	of	of	ADP
ajbmeb-1431	53	22	platforms	platform	NOUN
ajbmeb-1431	53	23	(	(	PUNCT
ajbmeb-1431	53	24	in	in	ADP
ajbmeb-1431	53	25	the	the	DET
ajbmeb-1431	53	26	case	case	NOUN
ajbmeb-1431	53	27	of	of	ADP
ajbmeb-1431	53	28	the	the	DET
ajbmeb-1431	53	29	banking	banking	NOUN
ajbmeb-1431	53	30	ecosystem	ecosystem	NOUN
ajbmeb-1431	53	31	around	around	ADP
ajbmeb-1431	53	32	the	the	DET
ajbmeb-1431	53	33	banking	banking	NOUN
ajbmeb-1431	53	34	organization	organization	NOUN
ajbmeb-1431	53	35	and/or	and/or	CCONJ
ajbmeb-1431	53	36	its	its	PRON
ajbmeb-1431	53	37	platform	platform	NOUN
ajbmeb-1431	53	38	)	)	PUNCT
ajbmeb-1431	53	39	to	to	PART
ajbmeb-1431	53	40	more	more	ADV
ajbmeb-1431	53	41	effectively	effectively	ADV
ajbmeb-1431	53	42	meet	meet	VERB
ajbmeb-1431	53	43	the	the	DET
ajbmeb-1431	53	44	needs	need	NOUN
ajbmeb-1431	53	45	of	of	ADP
ajbmeb-1431	53	46	the	the	DET
ajbmeb-1431	53	47	final	final	ADJ
ajbmeb-1431	53	48	beneficiary	beneficiary	NOUN
ajbmeb-1431	53	49	and	and	CCONJ
ajbmeb-1431	53	50	increase	increase	VERB
ajbmeb-1431	53	51	its	its	PRON
ajbmeb-1431	53	52	competitiveness	competitiveness	NOUN
ajbmeb-1431	53	53	in	in	ADP
ajbmeb-1431	53	54	the	the	DET
ajbmeb-1431	53	55	market	market	NOUN
ajbmeb-1431	53	56	(	(	PUNCT
ajbmeb-1431	53	57	within	within	ADP
ajbmeb-1431	53	58	a	a	DET
ajbmeb-1431	53	59	single	single	ADJ
ajbmeb-1431	53	60	continuous	continuous	ADJ
ajbmeb-1431	53	61	integrated	integrate	VERB
ajbmeb-1431	53	62	process	process	NOUN
ajbmeb-1431	53	63	)	)	PUNCT
ajbmeb-1431	54	1	[	[	X
ajbmeb-1431	54	2	8	8	NUM
ajbmeb-1431	54	3	]	]	PUNCT
ajbmeb-1431	54	4	.	.	PUNCT
ajbmeb-1431	55	1	it	it	PRON
ajbmeb-1431	55	2	is	be	AUX
ajbmeb-1431	55	3	also	also	ADV
ajbmeb-1431	55	4	important	important	ADJ
ajbmeb-1431	55	5	to	to	PART
ajbmeb-1431	55	6	remember	remember	VERB
ajbmeb-1431	55	7	that	that	SCONJ
ajbmeb-1431	55	8	in	in	ADP
ajbmeb-1431	55	9	this	this	DET
ajbmeb-1431	55	10	process	process	NOUN
ajbmeb-1431	55	11	,	,	PUNCT
ajbmeb-1431	55	12	defining	define	VERB
ajbmeb-1431	55	13	the	the	DET
ajbmeb-1431	55	14	concept	concept	NOUN
ajbmeb-1431	55	15	of	of	ADP
ajbmeb-1431	55	16	ecosystem	ecosystem	NOUN
ajbmeb-1431	55	17	refers	refer	VERB
ajbmeb-1431	55	18	to	to	ADP
ajbmeb-1431	55	19	companies	company	NOUN
ajbmeb-1431	55	20	that	that	PRON
ajbmeb-1431	55	21	specialize	specialize	VERB
ajbmeb-1431	55	22	in	in	ADP
ajbmeb-1431	55	23	the	the	DET
ajbmeb-1431	55	24	digital	digital	ADJ
ajbmeb-1431	55	25	environment	environment	NOUN
ajbmeb-1431	55	26	.	.	PUNCT
ajbmeb-1431	56	1	commercial	commercial	ADJ
ajbmeb-1431	56	2	banking	banking	NOUN
ajbmeb-1431	56	3	ecosystems	ecosystem	NOUN
ajbmeb-1431	56	4	will	will	AUX
ajbmeb-1431	56	5	be	be	AUX
ajbmeb-1431	56	6	an	an	DET
ajbmeb-1431	56	7	important	important	ADJ
ajbmeb-1431	56	8	way	way	NOUN
ajbmeb-1431	56	9	of	of	ADP
ajbmeb-1431	56	10	communicating	communicate	VERB
ajbmeb-1431	56	11	with	with	ADP
ajbmeb-1431	56	12	customers	customer	NOUN
ajbmeb-1431	56	13	in	in	ADP
ajbmeb-1431	56	14	the	the	DET
ajbmeb-1431	56	15	future	future	NOUN
ajbmeb-1431	56	16	.	.	PUNCT
ajbmeb-1431	57	1	the	the	DET
ajbmeb-1431	57	2	combination	combination	NOUN
ajbmeb-1431	57	3	of	of	ADP
ajbmeb-1431	57	4	financial	financial	ADJ
ajbmeb-1431	57	5	and	and	CCONJ
ajbmeb-1431	57	6	non	non	ADJ
ajbmeb-1431	57	7	-	-	ADJ
ajbmeb-1431	57	8	financial	financial	ADJ
ajbmeb-1431	57	9	services	service	NOUN
ajbmeb-1431	57	10	through	through	ADP
ajbmeb-1431	57	11	ecosystems	ecosystem	NOUN
ajbmeb-1431	57	12	becomes	become	VERB
ajbmeb-1431	57	13	a	a	DET
ajbmeb-1431	57	14	prerequisite	prerequisite	NOUN
ajbmeb-1431	57	15	for	for	ADP
ajbmeb-1431	57	16	competition	competition	NOUN
ajbmeb-1431	57	17	for	for	ADP
ajbmeb-1431	57	18	the	the	DET
ajbmeb-1431	57	19	customer	customer	NOUN
ajbmeb-1431	57	20	.	.	PUNCT
ajbmeb-1431	58	1	banks	bank	NOUN
ajbmeb-1431	58	2	that	that	PRON
ajbmeb-1431	58	3	offer	offer	VERB
ajbmeb-1431	58	4	these	these	DET
ajbmeb-1431	58	5	integrated	integrate	VERB
ajbmeb-1431	58	6	services	service	NOUN
ajbmeb-1431	58	7	go	go	VERB
ajbmeb-1431	58	8	beyond	beyond	ADP
ajbmeb-1431	58	9	providing	provide	VERB
ajbmeb-1431	58	10	traditional	traditional	ADJ
ajbmeb-1431	58	11	financial	financial	ADJ
ajbmeb-1431	58	12	services	service	NOUN
ajbmeb-1431	58	13	and	and	CCONJ
ajbmeb-1431	58	14	address	address	VERB
ajbmeb-1431	58	15	a	a	DET
ajbmeb-1431	58	16	wide	wide	ADJ
ajbmeb-1431	58	17	range	range	NOUN
ajbmeb-1431	58	18	of	of	ADP
ajbmeb-1431	58	19	customer	customer	NOUN
ajbmeb-1431	58	20	needs	need	NOUN
ajbmeb-1431	58	21	.	.	PUNCT
ajbmeb-1431	59	1	current	current	ADJ
ajbmeb-1431	59	2	aspects	aspect	NOUN
ajbmeb-1431	59	3	of	of	ADP
ajbmeb-1431	59	4	banking	banking	NOUN
ajbmeb-1431	59	5	ecosystem	ecosystem	NOUN
ajbmeb-1431	59	6	development	development	NOUN
ajbmeb-1431	59	7	include	include	VERB
ajbmeb-1431	59	8	:	:	PUNCT
ajbmeb-1431	59	9	1	1	X
ajbmeb-1431	59	10	.	.	X
ajbmeb-1431	59	11	digitization	digitization	NOUN
ajbmeb-1431	59	12	:	:	PUNCT
ajbmeb-1431	59	13	banks	bank	NOUN
ajbmeb-1431	59	14	are	be	AUX
ajbmeb-1431	59	15	actively	actively	ADV
ajbmeb-1431	59	16	implementing	implement	VERB
ajbmeb-1431	59	17	digital	digital	ADJ
ajbmeb-1431	59	18	technologies	technology	NOUN
ajbmeb-1431	59	19	to	to	PART
ajbmeb-1431	59	20	facilitate	facilitate	VERB
ajbmeb-1431	59	21	access	access	NOUN
ajbmeb-1431	59	22	to	to	ADP
ajbmeb-1431	59	23	banking	banking	NOUN
ajbmeb-1431	59	24	services	service	NOUN
ajbmeb-1431	59	25	and	and	CCONJ
ajbmeb-1431	59	26	improve	improve	VERB
ajbmeb-1431	59	27	user	user	NOUN
ajbmeb-1431	59	28	experience	experience	NOUN
ajbmeb-1431	59	29	.	.	PUNCT
ajbmeb-1431	60	1	this	this	PRON
ajbmeb-1431	60	2	includes	include	VERB
ajbmeb-1431	60	3	the	the	DET
ajbmeb-1431	60	4	use	use	NOUN
ajbmeb-1431	60	5	of	of	ADP
ajbmeb-1431	60	6	new	new	ADJ
ajbmeb-1431	60	7	technologies	technology	NOUN
ajbmeb-1431	60	8	such	such	ADJ
ajbmeb-1431	60	9	as	as	ADP
ajbmeb-1431	60	10	mobile	mobile	ADJ
ajbmeb-1431	60	11	applications	application	NOUN
ajbmeb-1431	60	12	,	,	PUNCT
ajbmeb-1431	60	13	internet	internet	NOUN
ajbmeb-1431	60	14	banking	banking	NOUN
ajbmeb-1431	60	15	,	,	PUNCT
ajbmeb-1431	60	16	online	online	ADJ
ajbmeb-1431	60	17	platforms	platform	NOUN
ajbmeb-1431	60	18	for	for	ADP
ajbmeb-1431	60	19	transactions	transaction	NOUN
ajbmeb-1431	60	20	and	and	CCONJ
ajbmeb-1431	60	21	blockchain	blockchain	NOUN
ajbmeb-1431	60	22	.	.	PROPN
ajbmeb-1431	61	1	2	2	X
ajbmeb-1431	61	2	.	.	X
ajbmeb-1431	61	3	artificial	artificial	ADJ
ajbmeb-1431	61	4	intelligence	intelligence	NOUN
ajbmeb-1431	61	5	and	and	CCONJ
ajbmeb-1431	61	6	machine	machine	NOUN
ajbmeb-1431	61	7	learning	learning	NOUN
ajbmeb-1431	61	8	:	:	PUNCT
ajbmeb-1431	61	9	banks	bank	NOUN
ajbmeb-1431	61	10	use	use	VERB
ajbmeb-1431	61	11	artificial	artificial	ADJ
ajbmeb-1431	61	12	intelligence	intelligence	NOUN
ajbmeb-1431	61	13	and	and	CCONJ
ajbmeb-1431	61	14	machine	machine	NOUN
ajbmeb-1431	61	15	learning	learn	VERB
ajbmeb-1431	61	16	algorithms	algorithm	NOUN
ajbmeb-1431	61	17	to	to	PART
ajbmeb-1431	61	18	analyze	analyze	VERB
ajbmeb-1431	61	19	customer	customer	NOUN
ajbmeb-1431	61	20	data	datum	NOUN
ajbmeb-1431	61	21	,	,	PUNCT
ajbmeb-1431	61	22	create	create	VERB
ajbmeb-1431	61	23	personalized	personalized	ADJ
ajbmeb-1431	61	24	offers	offer	NOUN
ajbmeb-1431	61	25	and	and	CCONJ
ajbmeb-1431	61	26	make	make	VERB
ajbmeb-1431	61	27	decisions	decision	NOUN
ajbmeb-1431	61	28	based	base	VERB
ajbmeb-1431	61	29	on	on	ADP
ajbmeb-1431	61	30	big	big	ADJ
ajbmeb-1431	61	31	data	datum	NOUN
ajbmeb-1431	61	32	.	.	PUNCT
ajbmeb-1431	62	1	it	it	PRON
ajbmeb-1431	62	2	helps	help	VERB
ajbmeb-1431	62	3	banks	bank	NOUN
ajbmeb-1431	62	4	improve	improve	VERB
ajbmeb-1431	62	5	the	the	DET
ajbmeb-1431	62	6	accuracy	accuracy	NOUN
ajbmeb-1431	62	7	of	of	ADP
ajbmeb-1431	62	8	risk	risk	NOUN
ajbmeb-1431	62	9	assessment	assessment	NOUN
ajbmeb-1431	62	10	,	,	PUNCT
ajbmeb-1431	62	11	detect	detect	VERB
ajbmeb-1431	62	12	fraudulent	fraudulent	ADJ
ajbmeb-1431	62	13	transactions	transaction	NOUN
ajbmeb-1431	62	14	and	and	CCONJ
ajbmeb-1431	62	15	improve	improve	VERB
ajbmeb-1431	62	16	the	the	DET
ajbmeb-1431	62	17	efficiency	efficiency	NOUN
ajbmeb-1431	62	18	of	of	ADP
ajbmeb-1431	62	19	processes	process	NOUN
ajbmeb-1431	62	20	.	.	PUNCT
ajbmeb-1431	63	1	3	3	X
ajbmeb-1431	63	2	.	.	X
ajbmeb-1431	63	3	cross	cross	NOUN
ajbmeb-1431	63	4	-	-	NOUN
ajbmeb-1431	63	5	platform	platform	ADJ
ajbmeb-1431	63	6	:	:	PUNCT
ajbmeb-1431	63	7	today	today	NOUN
ajbmeb-1431	63	8	's	's	PART
ajbmeb-1431	63	9	users	user	NOUN
ajbmeb-1431	63	10	expect	expect	VERB
ajbmeb-1431	63	11	to	to	PART
ajbmeb-1431	63	12	access	access	VERB
ajbmeb-1431	63	13	their	their	PRON
ajbmeb-1431	63	14	banking	banking	NOUN
ajbmeb-1431	63	15	services	service	NOUN
ajbmeb-1431	63	16	from	from	ADP
ajbmeb-1431	63	17	a	a	DET
ajbmeb-1431	63	18	variety	variety	NOUN
ajbmeb-1431	63	19	of	of	ADP
ajbmeb-1431	63	20	devices	device	NOUN
ajbmeb-1431	63	21	computers	computer	NOUN
ajbmeb-1431	63	22	,	,	PUNCT
ajbmeb-1431	63	23	smartphones	smartphone	NOUN
ajbmeb-1431	63	24	,	,	PUNCT
ajbmeb-1431	63	25	tablets	tablet	NOUN
ajbmeb-1431	63	26	and	and	CCONJ
ajbmeb-1431	63	27	even	even	ADV
ajbmeb-1431	63	28	voice	voice	NOUN
ajbmeb-1431	63	29	devices	device	NOUN
ajbmeb-1431	63	30	.	.	PUNCT
ajbmeb-1431	64	1	banks	bank	NOUN
ajbmeb-1431	64	2	are	be	AUX
ajbmeb-1431	64	3	developing	develop	VERB
ajbmeb-1431	64	4	cross	cross	ADJ
ajbmeb-1431	64	5	-	-	ADJ
ajbmeb-1431	64	6	platform	platform	ADJ
ajbmeb-1431	64	7	applications	application	NOUN
ajbmeb-1431	64	8	and	and	CCONJ
ajbmeb-1431	64	9	interfaces	interface	NOUN
ajbmeb-1431	64	10	to	to	PART
ajbmeb-1431	64	11	provide	provide	VERB
ajbmeb-1431	64	12	uniform	uniform	NOUN
ajbmeb-1431	64	13	and	and	CCONJ
ajbmeb-1431	64	14	convenient	convenient	ADJ
ajbmeb-1431	64	15	access	access	NOUN
ajbmeb-1431	64	16	to	to	ADP
ajbmeb-1431	64	17	services	service	NOUN
ajbmeb-1431	64	18	,	,	PUNCT
ajbmeb-1431	64	19	regardless	regardless	ADV
ajbmeb-1431	64	20	of	of	ADP
ajbmeb-1431	64	21	device	device	NOUN
ajbmeb-1431	64	22	.	.	PUNCT
ajbmeb-1431	65	1	4	4	X
ajbmeb-1431	65	2	.	.	X
ajbmeb-1431	65	3	ecosystem	ecosystem	NOUN
ajbmeb-1431	65	4	development	development	NOUN
ajbmeb-1431	65	5	:	:	PUNCT
ajbmeb-1431	65	6	banks	bank	NOUN
ajbmeb-1431	65	7	strive	strive	VERB
ajbmeb-1431	65	8	to	to	PART
ajbmeb-1431	65	9	create	create	VERB
ajbmeb-1431	65	10	ecosystems	ecosystem	NOUN
ajbmeb-1431	65	11	that	that	PRON
ajbmeb-1431	65	12	integrate	integrate	VERB
ajbmeb-1431	65	13	various	various	ADJ
ajbmeb-1431	65	14	financial	financial	ADJ
ajbmeb-1431	65	15	services	service	NOUN
ajbmeb-1431	65	16	and	and	CCONJ
ajbmeb-1431	65	17	products	product	NOUN
ajbmeb-1431	65	18	under	under	ADP
ajbmeb-1431	65	19	one	one	NUM
ajbmeb-1431	65	20	platform	platform	NOUN
ajbmeb-1431	65	21	.	.	PUNCT
ajbmeb-1431	66	1	for	for	ADP
ajbmeb-1431	66	2	example	example	NOUN
ajbmeb-1431	66	3	,	,	PUNCT
ajbmeb-1431	66	4	it	it	PRON
ajbmeb-1431	66	5	can	can	AUX
ajbmeb-1431	66	6	be	be	AUX
ajbmeb-1431	66	7	a	a	DET
ajbmeb-1431	66	8	combination	combination	NOUN
ajbmeb-1431	66	9	of	of	ADP
ajbmeb-1431	66	10	banking	banking	NOUN
ajbmeb-1431	66	11	services	service	NOUN
ajbmeb-1431	66	12	with	with	ADP
ajbmeb-1431	66	13	insurance	insurance	NOUN
ajbmeb-1431	66	14	services	service	NOUN
ajbmeb-1431	66	15	,	,	PUNCT
ajbmeb-1431	66	16	investments	investment	NOUN
ajbmeb-1431	66	17	,	,	PUNCT
ajbmeb-1431	66	18	payment	payment	NOUN
ajbmeb-1431	66	19	systems	system	NOUN
ajbmeb-1431	66	20	and	and	CCONJ
ajbmeb-1431	66	21	even	even	ADV
ajbmeb-1431	66	22	retail	retail	ADJ
ajbmeb-1431	66	23	stores	store	NOUN
ajbmeb-1431	66	24	.	.	PUNCT
ajbmeb-1431	67	1	such	such	ADJ
ajbmeb-1431	67	2	ecosystems	ecosystem	NOUN
ajbmeb-1431	67	3	allow	allow	VERB
ajbmeb-1431	67	4	customers	customer	NOUN
ajbmeb-1431	67	5	to	to	PART
ajbmeb-1431	67	6	get	get	VERB
ajbmeb-1431	67	7	all	all	DET
ajbmeb-1431	67	8	the	the	DET
ajbmeb-1431	67	9	necessary	necessary	ADJ
ajbmeb-1431	67	10	financial	financial	ADJ
ajbmeb-1431	67	11	services	service	NOUN
ajbmeb-1431	67	12	in	in	ADP
ajbmeb-1431	67	13	one	one	NUM
ajbmeb-1431	67	14	place	place	NOUN
ajbmeb-1431	67	15	and	and	CCONJ
ajbmeb-1431	67	16	simplify	simplify	VERB
ajbmeb-1431	67	17	the	the	DET
ajbmeb-1431	67	18	process	process	NOUN
ajbmeb-1431	67	19	of	of	ADP
ajbmeb-1431	67	20	interaction	interaction	NOUN
ajbmeb-1431	67	21	with	with	ADP
ajbmeb-1431	67	22	the	the	DET
ajbmeb-1431	67	23	bank	bank	NOUN
ajbmeb-1431	67	24	.	.	PUNCT
ajbmeb-1431	68	1	5	5	X
ajbmeb-1431	68	2	.	.	X
ajbmeb-1431	68	3	data	datum	NOUN
ajbmeb-1431	68	4	protection	protection	NOUN
ajbmeb-1431	68	5	:	:	PUNCT
ajbmeb-1431	68	6	with	with	ADP
ajbmeb-1431	68	7	the	the	DET
ajbmeb-1431	68	8	increase	increase	NOUN
ajbmeb-1431	68	9	in	in	ADP
ajbmeb-1431	68	10	the	the	DET
ajbmeb-1431	68	11	number	number	NOUN
ajbmeb-1431	68	12	of	of	ADP
ajbmeb-1431	68	13	digital	digital	ADJ
ajbmeb-1431	68	14	transactions	transaction	NOUN
ajbmeb-1431	68	15	and	and	CCONJ
ajbmeb-1431	68	16	the	the	DET
ajbmeb-1431	68	17	use	use	NOUN
ajbmeb-1431	68	18	of	of	ADP
ajbmeb-1431	68	19	online	online	ADJ
ajbmeb-1431	68	20	banking	banking	NOUN
ajbmeb-1431	68	21	services	service	NOUN
ajbmeb-1431	68	22	,	,	PUNCT
ajbmeb-1431	68	23	the	the	DET
ajbmeb-1431	68	24	risk	risk	NOUN
ajbmeb-1431	68	25	of	of	ADP
ajbmeb-1431	68	26	cyber	cyber	NOUN
ajbmeb-1431	68	27	-	-	PUNCT
ajbmeb-1431	68	28	attacks	attack	NOUN
ajbmeb-1431	68	29	and	and	CCONJ
ajbmeb-1431	68	30	leakage	leakage	NOUN
ajbmeb-1431	68	31	of	of	ADP
ajbmeb-1431	68	32	customer	customer	NOUN
ajbmeb-1431	68	33	data	datum	NOUN
ajbmeb-1431	68	34	increases	increase	NOUN
ajbmeb-1431	68	35	.	.	PUNCT
ajbmeb-1431	69	1	banks	bank	NOUN
ajbmeb-1431	69	2	are	be	AUX
ajbmeb-1431	69	3	actively	actively	ADV
ajbmeb-1431	69	4	implementing	implement	VERB
ajbmeb-1431	69	5	data	datum	NOUN
ajbmeb-1431	69	6	protection	protection	NOUN
ajbmeb-1431	69	7	technologies	technology	NOUN
ajbmeb-1431	69	8	such	such	ADJ
ajbmeb-1431	69	9	as	as	ADP
ajbmeb-1431	69	10	encryption	encryption	NOUN
ajbmeb-1431	69	11	,	,	PUNCT
ajbmeb-1431	69	12	two	two	NUM
ajbmeb-1431	69	13	-	-	PUNCT
ajbmeb-1431	69	14	factor	factor	NOUN
ajbmeb-1431	69	15	authentication	authentication	NOUN
ajbmeb-1431	69	16	,	,	PUNCT
ajbmeb-1431	69	17	and	and	CCONJ
ajbmeb-1431	69	18	american	american	ADJ
ajbmeb-1431	69	19	journal	journal	PROPN
ajbmeb-1431	69	20	of	of	ADP
ajbmeb-1431	69	21	business	business	NOUN
ajbmeb-1431	69	22	management	management	NOUN
ajbmeb-1431	69	23	,	,	PUNCT
ajbmeb-1431	69	24	economics	economic	NOUN
ajbmeb-1431	69	25	and	and	CCONJ
ajbmeb-1431	69	26	banking	banking	NOUN
ajbmeb-1431	69	27	volume	volume	NOUN
ajbmeb-1431	69	28	18	18	NUM
ajbmeb-1431	69	29	nov	nov	PROPN
ajbmeb-1431	69	30	.	.	PROPN
ajbmeb-1431	69	31	,	,	PUNCT
ajbmeb-1431	69	32	2023	2023	NUM
ajbmeb-1431	69	33	p	p	NOUN
ajbmeb-1431	69	34	a	a	PRON
ajbmeb-1431	69	35	g	g	NOUN
ajbmeb-1431	69	36	e	e	NOUN
ajbmeb-1431	69	37	|	|	ADV
ajbmeb-1431	69	38	54	54	NUM
ajbmeb-1431	69	39	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1431	69	40	monitoring	monitoring	NOUN
ajbmeb-1431	69	41	of	of	ADP
ajbmeb-1431	69	42	suspicious	suspicious	ADJ
ajbmeb-1431	69	43	activity	activity	NOUN
ajbmeb-1431	69	44	to	to	PART
ajbmeb-1431	69	45	ensure	ensure	VERB
ajbmeb-1431	69	46	the	the	DET
ajbmeb-1431	69	47	safety	safety	NOUN
ajbmeb-1431	69	48	of	of	ADP
ajbmeb-1431	69	49	customer	customer	NOUN
ajbmeb-1431	69	50	information	information	NOUN
ajbmeb-1431	69	51	.	.	PUNCT
ajbmeb-1431	70	1	these	these	DET
ajbmeb-1431	70	2	aspects	aspect	NOUN
ajbmeb-1431	70	3	of	of	ADP
ajbmeb-1431	70	4	the	the	DET
ajbmeb-1431	70	5	development	development	NOUN
ajbmeb-1431	70	6	of	of	ADP
ajbmeb-1431	70	7	banking	banking	NOUN
ajbmeb-1431	70	8	ecosystems	ecosystem	NOUN
ajbmeb-1431	70	9	help	help	VERB
ajbmeb-1431	70	10	banks	bank	NOUN
ajbmeb-1431	70	11	to	to	PART
ajbmeb-1431	70	12	be	be	AUX
ajbmeb-1431	70	13	competitive	competitive	ADJ
ajbmeb-1431	70	14	,	,	PUNCT
ajbmeb-1431	70	15	offer	offer	VERB
ajbmeb-1431	70	16	modern	modern	ADJ
ajbmeb-1431	70	17	services	service	NOUN
ajbmeb-1431	70	18	and	and	CCONJ
ajbmeb-1431	70	19	meet	meet	VERB
ajbmeb-1431	70	20	the	the	DET
ajbmeb-1431	70	21	needs	need	NOUN
ajbmeb-1431	70	22	of	of	ADP
ajbmeb-1431	70	23	customers	customer	NOUN
ajbmeb-1431	70	24	for	for	ADP
ajbmeb-1431	70	25	quick	quick	ADJ
ajbmeb-1431	70	26	and	and	CCONJ
ajbmeb-1431	70	27	convenient	convenient	ADJ
ajbmeb-1431	70	28	access	access	NOUN
ajbmeb-1431	70	29	to	to	ADP
ajbmeb-1431	70	30	financial	financial	ADJ
ajbmeb-1431	70	31	services	service	NOUN
ajbmeb-1431	70	32	.	.	PUNCT
ajbmeb-1431	71	1	the	the	DET
ajbmeb-1431	71	2	business	business	NOUN
ajbmeb-1431	71	3	ecosystem	ecosystem	NOUN
ajbmeb-1431	71	4	of	of	ADP
ajbmeb-1431	71	5	commercial	commercial	ADJ
ajbmeb-1431	71	6	banks	bank	NOUN
ajbmeb-1431	71	7	includes	include	VERB
ajbmeb-1431	71	8	opening	opening	NOUN
ajbmeb-1431	71	9	and	and	CCONJ
ajbmeb-1431	71	10	maintaining	maintain	VERB
ajbmeb-1431	71	11	accounts	account	NOUN
ajbmeb-1431	71	12	,	,	PUNCT
ajbmeb-1431	71	13	lending	lending	NOUN
ajbmeb-1431	71	14	,	,	PUNCT
ajbmeb-1431	71	15	currency	currency	NOUN
ajbmeb-1431	71	16	exchange	exchange	NOUN
ajbmeb-1431	71	17	,	,	PUNCT
ajbmeb-1431	71	18	investments	investment	NOUN
ajbmeb-1431	71	19	,	,	PUNCT
ajbmeb-1431	71	20	insurance	insurance	NOUN
ajbmeb-1431	71	21	and	and	CCONJ
ajbmeb-1431	71	22	many	many	ADJ
ajbmeb-1431	71	23	other	other	ADJ
ajbmeb-1431	71	24	services	service	NOUN
ajbmeb-1431	71	25	.	.	PUNCT
ajbmeb-1431	72	1	the	the	DET
ajbmeb-1431	72	2	banking	banking	NOUN
ajbmeb-1431	72	3	ecosystem	ecosystem	NOUN
ajbmeb-1431	72	4	creates	create	VERB
ajbmeb-1431	72	5	a	a	DET
ajbmeb-1431	72	6	convenient	convenient	ADJ
ajbmeb-1431	72	7	and	and	CCONJ
ajbmeb-1431	72	8	secure	secure	ADJ
ajbmeb-1431	72	9	environment	environment	NOUN
ajbmeb-1431	72	10	for	for	ADP
ajbmeb-1431	72	11	carrying	carry	VERB
ajbmeb-1431	72	12	out	out	ADP
ajbmeb-1431	72	13	financial	financial	ADJ
ajbmeb-1431	72	14	transactions	transaction	NOUN
ajbmeb-1431	72	15	and	and	CCONJ
ajbmeb-1431	72	16	provides	provide	VERB
ajbmeb-1431	72	17	access	access	NOUN
ajbmeb-1431	72	18	to	to	ADP
ajbmeb-1431	72	19	various	various	ADJ
ajbmeb-1431	72	20	financial	financial	ADJ
ajbmeb-1431	72	21	services	service	NOUN
ajbmeb-1431	72	22	on	on	ADP
ajbmeb-1431	72	23	one	one	NUM
ajbmeb-1431	72	24	platform	platform	NOUN
ajbmeb-1431	72	25	.	.	PUNCT
ajbmeb-1431	73	1	if	if	SCONJ
ajbmeb-1431	73	2	the	the	DET
ajbmeb-1431	73	3	development	development	NOUN
ajbmeb-1431	73	4	of	of	ADP
ajbmeb-1431	73	5	business	business	NOUN
ajbmeb-1431	73	6	ecosystems	ecosystem	NOUN
ajbmeb-1431	73	7	in	in	ADP
ajbmeb-1431	73	8	developed	develop	VERB
ajbmeb-1431	73	9	countries	country	NOUN
ajbmeb-1431	73	10	is	be	AUX
ajbmeb-1431	73	11	usually	usually	ADV
ajbmeb-1431	73	12	associated	associate	VERB
ajbmeb-1431	73	13	with	with	ADP
ajbmeb-1431	73	14	hightech	hightech	NOUN
ajbmeb-1431	73	15	companies	company	NOUN
ajbmeb-1431	73	16	(	(	PUNCT
ajbmeb-1431	73	17	bigtech	bigtech	PROPN
ajbmeb-1431	73	18	)	)	PUNCT
ajbmeb-1431	73	19	,	,	PUNCT
ajbmeb-1431	73	20	then	then	ADV
ajbmeb-1431	73	21	their	their	PRON
ajbmeb-1431	73	22	creation	creation	NOUN
ajbmeb-1431	73	23	in	in	ADP
ajbmeb-1431	73	24	our	our	PRON
ajbmeb-1431	73	25	country	country	NOUN
ajbmeb-1431	73	26	begins	begin	VERB
ajbmeb-1431	73	27	on	on	ADP
ajbmeb-1431	73	28	the	the	DET
ajbmeb-1431	73	29	basis	basis	NOUN
ajbmeb-1431	73	30	of	of	ADP
ajbmeb-1431	73	31	system	system	NOUN
ajbmeb-1431	73	32	-	-	PUNCT
ajbmeb-1431	73	33	forming	form	VERB
ajbmeb-1431	73	34	banks	bank	NOUN
ajbmeb-1431	73	35	with	with	ADP
ajbmeb-1431	73	36	a	a	DET
ajbmeb-1431	73	37	well	well	ADV
ajbmeb-1431	73	38	-	-	PUNCT
ajbmeb-1431	73	39	known	know	VERB
ajbmeb-1431	73	40	brand	brand	NOUN
ajbmeb-1431	73	41	that	that	PRON
ajbmeb-1431	73	42	unites	unite	VERB
ajbmeb-1431	73	43	businesses	business	NOUN
ajbmeb-1431	73	44	from	from	ADP
ajbmeb-1431	73	45	different	different	ADJ
ajbmeb-1431	73	46	,	,	PUNCT
ajbmeb-1431	73	47	often	often	ADV
ajbmeb-1431	73	48	unrelated	unrelated	ADJ
ajbmeb-1431	73	49	industries	industry	NOUN
ajbmeb-1431	73	50	and	and	CCONJ
ajbmeb-1431	73	51	regions	region	NOUN
ajbmeb-1431	73	52	.	.	PUNCT
ajbmeb-1431	74	1	the	the	DET
ajbmeb-1431	74	2	largest	large	ADJ
ajbmeb-1431	74	3	banks	bank	NOUN
ajbmeb-1431	74	4	in	in	ADP
ajbmeb-1431	74	5	the	the	DET
ajbmeb-1431	74	6	country	country	NOUN
ajbmeb-1431	74	7	are	be	AUX
ajbmeb-1431	74	8	the	the	DET
ajbmeb-1431	74	9	most	most	ADV
ajbmeb-1431	74	10	suitable	suitable	ADJ
ajbmeb-1431	74	11	foundations	foundation	NOUN
ajbmeb-1431	74	12	for	for	ADP
ajbmeb-1431	74	13	creating	create	VERB
ajbmeb-1431	74	14	ecosystems	ecosystem	NOUN
ajbmeb-1431	74	15	,	,	PUNCT
ajbmeb-1431	74	16	because	because	SCONJ
ajbmeb-1431	74	17	they	they	PRON
ajbmeb-1431	74	18	have	have	VERB
ajbmeb-1431	74	19	a	a	DET
ajbmeb-1431	74	20	wide	wide	ADJ
ajbmeb-1431	74	21	customer	customer	NOUN
ajbmeb-1431	74	22	base	base	NOUN
ajbmeb-1431	74	23	,	,	PUNCT
ajbmeb-1431	74	24	are	be	AUX
ajbmeb-1431	74	25	ready	ready	ADJ
ajbmeb-1431	74	26	to	to	PART
ajbmeb-1431	74	27	adapt	adapt	VERB
ajbmeb-1431	74	28	to	to	ADP
ajbmeb-1431	74	29	modern	modern	ADJ
ajbmeb-1431	74	30	business	business	NOUN
ajbmeb-1431	74	31	realities	reality	NOUN
ajbmeb-1431	74	32	for	for	ADP
ajbmeb-1431	74	33	maximum	maximum	ADJ
ajbmeb-1431	74	34	profit	profit	NOUN
ajbmeb-1431	74	35	,	,	PUNCT
ajbmeb-1431	74	36	and	and	CCONJ
ajbmeb-1431	74	37	have	have	VERB
ajbmeb-1431	74	38	detailed	detailed	ADJ
ajbmeb-1431	74	39	information	information	NOUN
ajbmeb-1431	74	40	about	about	ADP
ajbmeb-1431	74	41	customers	customer	NOUN
ajbmeb-1431	74	42	.	.	PUNCT
ajbmeb-1431	75	1	factors	factor	NOUN
ajbmeb-1431	75	2	affecting	affect	VERB
ajbmeb-1431	75	3	the	the	DET
ajbmeb-1431	75	4	formation	formation	NOUN
ajbmeb-1431	75	5	and	and	CCONJ
ajbmeb-1431	75	6	development	development	NOUN
ajbmeb-1431	75	7	of	of	ADP
ajbmeb-1431	75	8	the	the	DET
ajbmeb-1431	75	9	business	business	NOUN
ajbmeb-1431	75	10	ecosystem	ecosystem	NOUN
ajbmeb-1431	75	11	of	of	ADP
ajbmeb-1431	75	12	commercial	commercial	ADJ
ajbmeb-1431	75	13	banks	bank	NOUN
ajbmeb-1431	75	14	are	be	AUX
ajbmeb-1431	75	15	presented	present	VERB
ajbmeb-1431	75	16	in	in	ADP
ajbmeb-1431	75	17	figure	figure	NOUN
ajbmeb-1431	75	18	2	2	NUM
ajbmeb-1431	75	19	.	.	PUNCT
ajbmeb-1431	75	20	figure	figure	NOUN
ajbmeb-1431	75	21	2	2	NUM
ajbmeb-1431	76	1	.	.	PUNCT
ajbmeb-1431	76	2	factors	factor	NOUN
ajbmeb-1431	76	3	affecting	affect	VERB
ajbmeb-1431	76	4	the	the	DET
ajbmeb-1431	76	5	formation	formation	NOUN
ajbmeb-1431	76	6	and	and	CCONJ
ajbmeb-1431	76	7	development	development	NOUN
ajbmeb-1431	76	8	of	of	ADP
ajbmeb-1431	76	9	the	the	DET
ajbmeb-1431	76	10	business	business	NOUN
ajbmeb-1431	76	11	ecosystem	ecosystem	NOUN
ajbmeb-1431	76	12	of	of	ADP
ajbmeb-1431	76	13	commercial	commercial	ADJ
ajbmeb-1431	76	14	banks	bank	NOUN
ajbmeb-1431	76	15	in	in	ADP
ajbmeb-1431	76	16	connection	connection	NOUN
ajbmeb-1431	76	17	with	with	ADP
ajbmeb-1431	76	18	the	the	DET
ajbmeb-1431	76	19	execution	execution	NOUN
ajbmeb-1431	76	20	of	of	ADP
ajbmeb-1431	76	21	the	the	DET
ajbmeb-1431	76	22	functions	function	NOUN
ajbmeb-1431	76	23	of	of	ADP
ajbmeb-1431	76	24	the	the	DET
ajbmeb-1431	76	25	"	"	PUNCT
ajbmeb-1431	76	26	escrow	escrow	ADJ
ajbmeb-1431	76	27	"	"	PUNCT
ajbmeb-1431	76	28	system	system	NOUN
ajbmeb-1431	76	29	of	of	ADP
ajbmeb-1431	76	30	the	the	DET
ajbmeb-1431	76	31	digital	digital	ADJ
ajbmeb-1431	76	32	ecosystem	ecosystem	NOUN
ajbmeb-1431	76	33	,	,	PUNCT
ajbmeb-1431	76	34	settlement	settlement	NOUN
ajbmeb-1431	76	35	and	and	CCONJ
ajbmeb-1431	76	36	payment	payment	NOUN
ajbmeb-1431	76	37	from	from	ADP
ajbmeb-1431	76	38	one	one	NUM
ajbmeb-1431	76	39	personal	personal	ADJ
ajbmeb-1431	76	40	account	account	NOUN
ajbmeb-1431	76	41	and	and	CCONJ
ajbmeb-1431	76	42	guarantee	guarantee	NOUN
ajbmeb-1431	76	43	of	of	ADP
ajbmeb-1431	76	44	the	the	DET
ajbmeb-1431	76	45	contractual	contractual	ADJ
ajbmeb-1431	76	46	obligations	obligation	NOUN
ajbmeb-1431	76	47	of	of	ADP
ajbmeb-1431	76	48	the	the	DET
ajbmeb-1431	76	49	parties	party	NOUN
ajbmeb-1431	76	50	are	be	AUX
ajbmeb-1431	76	51	ensured	ensure	VERB
ajbmeb-1431	76	52	.	.	PUNCT
ajbmeb-1431	77	1	until	until	ADP
ajbmeb-1431	77	2	january	january	PROPN
ajbmeb-1431	77	3	1	1	NUM
ajbmeb-1431	77	4	,	,	PUNCT
ajbmeb-1431	77	5	2024	2024	NUM
ajbmeb-1431	77	6	,	,	PUNCT
ajbmeb-1431	77	7	the	the	DET
ajbmeb-1431	77	8	profit	profit	NOUN
ajbmeb-1431	77	9	tax	tax	NOUN
ajbmeb-1431	77	10	rate	rate	NOUN
ajbmeb-1431	77	11	for	for	ADP
ajbmeb-1431	77	12	operators	operator	NOUN
ajbmeb-1431	77	13	of	of	ADP
ajbmeb-1431	77	14	e	e	NOUN
ajbmeb-1431	77	15	-	-	NOUN
ajbmeb-1431	77	16	commerce	commerce	NOUN
ajbmeb-1431	77	17	platforms	platform	NOUN
ajbmeb-1431	77	18	integrated	integrate	VERB
ajbmeb-1431	77	19	into	into	ADP
ajbmeb-1431	77	20	the	the	DET
ajbmeb-1431	77	21	digital	digital	ADJ
ajbmeb-1431	77	22	ecosystem	ecosystem	NOUN
ajbmeb-1431	77	23	will	will	AUX
ajbmeb-1431	77	24	be	be	AUX
ajbmeb-1431	77	25	reduced	reduce	VERB
ajbmeb-1431	77	26	by	by	ADP
ajbmeb-1431	77	27	50	50	NUM
ajbmeb-1431	77	28	percent	percent	NOUN
ajbmeb-1431	77	29	.	.	PUNCT
ajbmeb-1431	78	1	taxpayers	taxpayer	NOUN
ajbmeb-1431	78	2	conducting	conduct	VERB
ajbmeb-1431	78	3	electronic	electronic	ADJ
ajbmeb-1431	78	4	sales	sale	NOUN
ajbmeb-1431	78	5	of	of	ADP
ajbmeb-1431	78	6	goods	good	NOUN
ajbmeb-1431	78	7	(	(	PUNCT
ajbmeb-1431	78	8	services	service	NOUN
ajbmeb-1431	78	9	)	)	PUNCT
ajbmeb-1431	78	10	,	,	PUNCT
ajbmeb-1431	78	11	regardless	regardless	ADV
ajbmeb-1431	78	12	of	of	ADP
ajbmeb-1431	78	13	whether	whether	SCONJ
ajbmeb-1431	78	14	they	they	PRON
ajbmeb-1431	78	15	are	be	AUX
ajbmeb-1431	78	16	included	include	VERB
ajbmeb-1431	78	17	in	in	ADP
ajbmeb-1431	78	18	the	the	DET
ajbmeb-1431	78	19	national	national	ADJ
ajbmeb-1431	78	20	register	register	NOUN
ajbmeb-1431	78	21	of	of	ADP
ajbmeb-1431	78	22	electronic	electronic	ADJ
ajbmeb-1431	78	23	commerce	commerce	NOUN
ajbmeb-1431	78	24	participants	participant	NOUN
ajbmeb-1431	78	25	or	or	CCONJ
ajbmeb-1431	78	26	not	not	PART
ajbmeb-1431	78	27	,	,	PUNCT
ajbmeb-1431	78	28	according	accord	VERB
ajbmeb-1431	78	29	to	to	ADP
ajbmeb-1431	78	30	articles	article	NOUN
ajbmeb-1431	78	31	337	337	NUM
ajbmeb-1431	78	32	and	and	CCONJ
ajbmeb-1431	78	33	467	467	NUM
ajbmeb-1431	78	34	of	of	ADP
ajbmeb-1431	78	35	the	the	DET
ajbmeb-1431	78	36	tax	tax	NOUN
ajbmeb-1431	78	37	code	code	NOUN
ajbmeb-1431	78	38	of	of	ADP
ajbmeb-1431	78	39	the	the	DET
ajbmeb-1431	78	40	republic	republic	NOUN
ajbmeb-1431	78	41	of	of	ADP
ajbmeb-1431	78	42	uzbekistan	uzbekistan	PROPN
ajbmeb-1431	78	43	,	,	PUNCT
ajbmeb-1431	78	44	reduced	reduce	VERB
ajbmeb-1431	78	45	tax	tax	NOUN
ajbmeb-1431	78	46	rates	rate	NOUN
ajbmeb-1431	78	47	for	for	ADP
ajbmeb-1431	78	48	profit	profit	NOUN
ajbmeb-1431	78	49	tax	tax	NOUN
ajbmeb-1431	78	50	and	and	CCONJ
ajbmeb-1431	78	51	turnover	turnover	NOUN
ajbmeb-1431	78	52	tax	tax	NOUN
ajbmeb-1431	78	53	are	be	AUX
ajbmeb-1431	78	54	applied	apply	VERB
ajbmeb-1431	78	55	.	.	PUNCT
ajbmeb-1431	79	1	by	by	ADP
ajbmeb-1431	79	2	july	july	PROPN
ajbmeb-1431	79	3	1	1	NUM
ajbmeb-1431	79	4	,	,	PUNCT
ajbmeb-1431	79	5	2022	2022	NUM
ajbmeb-1431	79	6	,	,	PUNCT
ajbmeb-1431	79	7	it	it	PRON
ajbmeb-1431	79	8	is	be	AUX
ajbmeb-1431	79	9	planned	plan	VERB
ajbmeb-1431	79	10	to	to	PART
ajbmeb-1431	79	11	integrate	integrate	VERB
ajbmeb-1431	79	12	electronic	electronic	ADJ
ajbmeb-1431	79	13	databases	database	NOUN
ajbmeb-1431	79	14	that	that	PRON
ajbmeb-1431	79	15	allow	allow	VERB
ajbmeb-1431	79	16	real	real	ADJ
ajbmeb-1431	79	17	-	-	PUNCT
ajbmeb-1431	79	18	time	time	NOUN
ajbmeb-1431	79	19	data	datum	NOUN
ajbmeb-1431	79	20	transfer	transfer	NOUN
ajbmeb-1431	79	21	to	to	ADP
ajbmeb-1431	79	22	tax	tax	NOUN
ajbmeb-1431	79	23	authorities	authority	NOUN
ajbmeb-1431	79	24	through	through	ADP
ajbmeb-1431	79	25	the	the	DET
ajbmeb-1431	79	26	digital	digital	ADJ
ajbmeb-1431	79	27	ecosystem	ecosystem	NOUN
ajbmeb-1431	79	28	.	.	PUNCT
ajbmeb-1431	80	1	in	in	ADP
ajbmeb-1431	80	2	addition	addition	NOUN
ajbmeb-1431	80	3	,	,	PUNCT
ajbmeb-1431	80	4	the	the	DET
ajbmeb-1431	80	5	legal	legal	ADJ
ajbmeb-1431	80	6	basis	basis	NOUN
ajbmeb-1431	80	7	for	for	ADP
ajbmeb-1431	80	8	the	the	DET
ajbmeb-1431	80	9	development	development	NOUN
ajbmeb-1431	80	10	of	of	ADP
ajbmeb-1431	80	11	the	the	DET
ajbmeb-1431	80	12	digitalization	digitalization	NOUN
ajbmeb-1431	80	13	of	of	ADP
ajbmeb-1431	80	14	the	the	DET
ajbmeb-1431	80	15	national	national	ADJ
ajbmeb-1431	80	16	economy	economy	NOUN
ajbmeb-1431	80	17	is	be	AUX
ajbmeb-1431	80	18	being	be	AUX
ajbmeb-1431	80	19	improved	improve	VERB
ajbmeb-1431	80	20	,	,	PUNCT
ajbmeb-1431	80	21	including	include	VERB
ajbmeb-1431	80	22	on	on	ADP
ajbmeb-1431	80	23	the	the	DET
ajbmeb-1431	80	24	basis	basis	NOUN
ajbmeb-1431	80	25	of	of	ADP
ajbmeb-1431	80	26	the	the	DET
ajbmeb-1431	80	27	decree	decree	NOUN
ajbmeb-1431	80	28	of	of	ADP
ajbmeb-1431	80	29	the	the	DET
ajbmeb-1431	80	30	president	president	NOUN
ajbmeb-1431	80	31	of	of	ADP
ajbmeb-1431	80	32	the	the	DET
ajbmeb-1431	80	33	republic	republic	NOUN
ajbmeb-1431	80	34	of	of	ADP
ajbmeb-1431	80	35	uzbekistan	uzbekistan	PROPN
ajbmeb-1431	80	36	dated	date	VERB
ajbmeb-1431	80	37	october	october	PROPN
ajbmeb-1431	80	38	5	5	NUM
ajbmeb-1431	80	39	,	,	PUNCT
ajbmeb-1431	80	40	2020	2020	NUM
ajbmeb-1431	81	1	no	no	INTJ
ajbmeb-1431	81	2	.	.	PUNCT
ajbmeb-1431	82	1	pf-6079	pf-6079	PROPN
ajbmeb-1431	83	1	"	"	PUNCT
ajbmeb-1431	83	2	on	on	ADP
ajbmeb-1431	83	3	the	the	DET
ajbmeb-1431	83	4	approval	approval	NOUN
ajbmeb-1431	83	5	of	of	ADP
ajbmeb-1431	83	6	the	the	DET
ajbmeb-1431	83	7	strategy	strategy	NOUN
ajbmeb-1431	83	8	of	of	ADP
ajbmeb-1431	83	9	digital	digital	ADJ
ajbmeb-1431	83	10	uzbekistan	uzbekistan	PROPN
ajbmeb-1431	83	11	2030	2030	NUM
ajbmeb-1431	83	12	and	and	CCONJ
ajbmeb-1431	83	13	measures	measure	NOUN
ajbmeb-1431	83	14	for	for	ADP
ajbmeb-1431	83	15	its	its	PRON
ajbmeb-1431	83	16	effective	effective	ADJ
ajbmeb-1431	83	17	implementation	implementation	NOUN
ajbmeb-1431	83	18	"	"	PUNCT
ajbmeb-1431	83	19	identification	identification	NOUN
ajbmeb-1431	83	20	(	(	PUNCT
ajbmeb-1431	83	21	lifeness	lifeness	ADJ
ajbmeb-1431	83	22	check	check	NOUN
ajbmeb-1431	83	23	)	)	PUNCT
ajbmeb-1431	83	24	was	be	AUX
ajbmeb-1431	83	25	allowed	allow	VERB
ajbmeb-1431	83	26	,	,	PUNCT
ajbmeb-1431	83	27	as	as	ADP
ajbmeb-1431	83	28	a	a	DET
ajbmeb-1431	83	29	result	result	NOUN
ajbmeb-1431	83	30	,	,	PUNCT
ajbmeb-1431	83	31	it	it	PRON
ajbmeb-1431	83	32	was	be	AUX
ajbmeb-1431	83	33	possible	possible	ADJ
ajbmeb-1431	83	34	to	to	PART
ajbmeb-1431	83	35	use	use	VERB
ajbmeb-1431	83	36	banking	banking	NOUN
ajbmeb-1431	83	37	services	service	NOUN
ajbmeb-1431	83	38	and	and	CCONJ
ajbmeb-1431	83	39	products	product	NOUN
ajbmeb-1431	83	40	without	without	ADP
ajbmeb-1431	83	41	coming	come	VERB
ajbmeb-1431	83	42	to	to	ADP
ajbmeb-1431	83	43	the	the	DET
ajbmeb-1431	83	44	bank	bank	NOUN
ajbmeb-1431	83	45	and	and	CCONJ
ajbmeb-1431	83	46	without	without	ADP
ajbmeb-1431	83	47	signing	sign	VERB
ajbmeb-1431	83	48	any	any	DET
ajbmeb-1431	83	49	contract	contract	NOUN
ajbmeb-1431	83	50	.	.	PUNCT
ajbmeb-1431	84	1	[	[	X
ajbmeb-1431	84	2	9	9	NUM
ajbmeb-1431	84	3	]	]	SYM
ajbmeb-1431	84	4	american	american	ADJ
ajbmeb-1431	84	5	journal	journal	PROPN
ajbmeb-1431	84	6	of	of	ADP
ajbmeb-1431	84	7	business	business	NOUN
ajbmeb-1431	84	8	management	management	NOUN
ajbmeb-1431	84	9	,	,	PUNCT
ajbmeb-1431	84	10	economics	economic	NOUN
ajbmeb-1431	84	11	and	and	CCONJ
ajbmeb-1431	84	12	banking	banking	NOUN
ajbmeb-1431	84	13	volume	volume	NOUN
ajbmeb-1431	84	14	18	18	NUM
ajbmeb-1431	84	15	nov	nov	PROPN
ajbmeb-1431	84	16	.	.	PROPN
ajbmeb-1431	84	17	,	,	PUNCT
ajbmeb-1431	84	18	2023	2023	NUM
ajbmeb-1431	84	19	p	p	NOUN
ajbmeb-1431	84	20	a	a	DET
ajbmeb-1431	84	21	g	g	NOUN
ajbmeb-1431	84	22	e	e	NOUN
ajbmeb-1431	84	23	|	|	ADV
ajbmeb-1431	84	24	55	55	NUM
ajbmeb-1431	84	25	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1431	84	26	according	accord	VERB
ajbmeb-1431	84	27	to	to	ADP
ajbmeb-1431	84	28	this	this	DET
ajbmeb-1431	84	29	decree	decree	NOUN
ajbmeb-1431	84	30	:	:	PUNCT
ajbmeb-1431	84	31	"	"	PUNCT
ajbmeb-1431	84	32	by	by	ADP
ajbmeb-1431	84	33	january	january	PROPN
ajbmeb-1431	84	34	1	1	NUM
ajbmeb-1431	84	35	,	,	PUNCT
ajbmeb-1431	84	36	2022	2022	NUM
ajbmeb-1431	84	37	,	,	PUNCT
ajbmeb-1431	84	38	it	it	PRON
ajbmeb-1431	84	39	is	be	AUX
ajbmeb-1431	84	40	determined	determined	ADJ
ajbmeb-1431	84	41	to	to	PART
ajbmeb-1431	84	42	complete	complete	VERB
ajbmeb-1431	84	43	the	the	DET
ajbmeb-1431	84	44	digital	digital	ADJ
ajbmeb-1431	84	45	transformation	transformation	NOUN
ajbmeb-1431	84	46	of	of	ADP
ajbmeb-1431	84	47	commercial	commercial	ADJ
ajbmeb-1431	84	48	banks	bank	NOUN
ajbmeb-1431	84	49	by	by	ADP
ajbmeb-1431	84	50	providing	provide	VERB
ajbmeb-1431	84	51	a	a	DET
ajbmeb-1431	84	52	wide	wide	ADJ
ajbmeb-1431	84	53	range	range	NOUN
ajbmeb-1431	84	54	of	of	ADP
ajbmeb-1431	84	55	online	online	ADJ
ajbmeb-1431	84	56	services	service	NOUN
ajbmeb-1431	84	57	,	,	PUNCT
ajbmeb-1431	84	58	including	include	VERB
ajbmeb-1431	84	59	the	the	DET
ajbmeb-1431	84	60	sale	sale	NOUN
ajbmeb-1431	84	61	of	of	ADP
ajbmeb-1431	84	62	loan	loan	NOUN
ajbmeb-1431	84	63	products	product	NOUN
ajbmeb-1431	84	64	,	,	PUNCT
ajbmeb-1431	84	65	deposits	deposit	NOUN
ajbmeb-1431	84	66	and	and	CCONJ
ajbmeb-1431	84	67	account	account	NOUN
ajbmeb-1431	84	68	opening	opening	NOUN
ajbmeb-1431	84	69	.	.	PUNCT
ajbmeb-1431	85	1	creating	create	VERB
ajbmeb-1431	85	2	a	a	DET
ajbmeb-1431	85	3	business	business	NOUN
ajbmeb-1431	85	4	model	model	NOUN
ajbmeb-1431	85	5	of	of	ADP
ajbmeb-1431	85	6	financial	financial	ADJ
ajbmeb-1431	85	7	supermarkets	supermarket	NOUN
ajbmeb-1431	85	8	focused	focus	VERB
ajbmeb-1431	85	9	on	on	ADP
ajbmeb-1431	85	10	providing	provide	VERB
ajbmeb-1431	85	11	a	a	DET
ajbmeb-1431	85	12	wide	wide	ADJ
ajbmeb-1431	85	13	range	range	NOUN
ajbmeb-1431	85	14	of	of	ADP
ajbmeb-1431	85	15	banking	banking	NOUN
ajbmeb-1431	85	16	and	and	CCONJ
ajbmeb-1431	85	17	non	non	ADJ
ajbmeb-1431	85	18	-	-	ADJ
ajbmeb-1431	85	19	banking	banking	ADJ
ajbmeb-1431	85	20	financial	financial	ADJ
ajbmeb-1431	85	21	services	service	NOUN
ajbmeb-1431	85	22	(	(	PUNCT
ajbmeb-1431	85	23	stock	stock	NOUN
ajbmeb-1431	85	24	transactions	transaction	NOUN
ajbmeb-1431	85	25	,	,	PUNCT
ajbmeb-1431	85	26	insurance	insurance	NOUN
ajbmeb-1431	85	27	,	,	PUNCT
ajbmeb-1431	85	28	etc	etc	X
ajbmeb-1431	85	29	.	.	X
ajbmeb-1431	85	30	)	)	PUNCT
ajbmeb-1431	86	1	others	other	NOUN
ajbmeb-1431	86	2	)	)	PUNCT
ajbmeb-1431	86	3	,	,	PUNCT
ajbmeb-1431	86	4	including	include	VERB
ajbmeb-1431	86	5	increasing	increase	VERB
ajbmeb-1431	86	6	the	the	DET
ajbmeb-1431	86	7	scope	scope	NOUN
ajbmeb-1431	86	8	and	and	CCONJ
ajbmeb-1431	86	9	quality	quality	NOUN
ajbmeb-1431	86	10	of	of	ADP
ajbmeb-1431	86	11	service	service	NOUN
ajbmeb-1431	86	12	through	through	ADP
ajbmeb-1431	86	13	mobile	mobile	ADJ
ajbmeb-1431	86	14	applications	application	NOUN
ajbmeb-1431	86	15	;	;	PUNCT
ajbmeb-1431	86	16	it	it	PRON
ajbmeb-1431	86	17	is	be	AUX
ajbmeb-1431	86	18	intended	intend	VERB
ajbmeb-1431	86	19	to	to	PART
ajbmeb-1431	86	20	create	create	VERB
ajbmeb-1431	86	21	a	a	DET
ajbmeb-1431	86	22	"	"	PUNCT
ajbmeb-1431	86	23	regulatory	regulatory	ADJ
ajbmeb-1431	86	24	sandbox	sandbox	NOUN
ajbmeb-1431	86	25	"	"	PUNCT
ajbmeb-1431	86	26	to	to	PART
ajbmeb-1431	86	27	simplify	simplify	VERB
ajbmeb-1431	86	28	the	the	DET
ajbmeb-1431	86	29	development	development	NOUN
ajbmeb-1431	86	30	of	of	ADP
ajbmeb-1431	86	31	venture	venture	NOUN
ajbmeb-1431	86	32	ecosystems	ecosystem	NOUN
ajbmeb-1431	86	33	"	"	PUNCT
ajbmeb-1431	87	1	[	[	X
ajbmeb-1431	87	2	10	10	NUM
ajbmeb-1431	87	3	]	]	PUNCT
ajbmeb-1431	87	4	.	.	PUNCT
ajbmeb-1431	88	1	uzbek	uzbek	PROPN
ajbmeb-1431	88	2	startups	startup	NOUN
ajbmeb-1431	88	3	develop	develop	VERB
ajbmeb-1431	88	4	in	in	ADP
ajbmeb-1431	88	5	an	an	DET
ajbmeb-1431	88	6	ecosystem	ecosystem	NOUN
ajbmeb-1431	88	7	that	that	PRON
ajbmeb-1431	88	8	supports	support	VERB
ajbmeb-1431	88	9	or	or	CCONJ
ajbmeb-1431	88	10	hinders	hinder	VERB
ajbmeb-1431	88	11	their	their	PRON
ajbmeb-1431	88	12	development	development	NOUN
ajbmeb-1431	88	13	.	.	PUNCT
ajbmeb-1431	89	1	this	this	DET
ajbmeb-1431	89	2	ecosystem	ecosystem	NOUN
ajbmeb-1431	89	3	includes	include	VERB
ajbmeb-1431	89	4	many	many	ADJ
ajbmeb-1431	89	5	national	national	ADJ
ajbmeb-1431	89	6	elements	element	NOUN
ajbmeb-1431	89	7	,	,	PUNCT
ajbmeb-1431	89	8	but	but	CCONJ
ajbmeb-1431	89	9	regional	regional	ADJ
ajbmeb-1431	89	10	and	and	CCONJ
ajbmeb-1431	89	11	international	international	ADJ
ajbmeb-1431	89	12	factors	factor	NOUN
ajbmeb-1431	89	13	are	be	AUX
ajbmeb-1431	89	14	also	also	ADV
ajbmeb-1431	89	15	important	important	ADJ
ajbmeb-1431	89	16	,	,	PUNCT
ajbmeb-1431	89	17	especially	especially	ADV
ajbmeb-1431	89	18	as	as	SCONJ
ajbmeb-1431	89	19	the	the	DET
ajbmeb-1431	89	20	economy	economy	NOUN
ajbmeb-1431	89	21	becomes	become	VERB
ajbmeb-1431	89	22	increasingly	increasingly	ADV
ajbmeb-1431	89	23	open	open	ADJ
ajbmeb-1431	89	24	and	and	CCONJ
ajbmeb-1431	89	25	global	global	ADJ
ajbmeb-1431	89	26	.	.	PUNCT
ajbmeb-1431	90	1	access	access	NOUN
ajbmeb-1431	90	2	to	to	ADP
ajbmeb-1431	90	3	finance	finance	NOUN
ajbmeb-1431	90	4	and	and	CCONJ
ajbmeb-1431	90	5	skilled	skilled	ADJ
ajbmeb-1431	90	6	personnel	personnel	NOUN
ajbmeb-1431	90	7	,	,	PUNCT
ajbmeb-1431	90	8	including	include	VERB
ajbmeb-1431	90	9	technology	technology	NOUN
ajbmeb-1431	90	10	experts	expert	NOUN
ajbmeb-1431	90	11	and	and	CCONJ
ajbmeb-1431	90	12	entrepreneurs	entrepreneur	NOUN
ajbmeb-1431	90	13	,	,	PUNCT
ajbmeb-1431	90	14	is	be	AUX
ajbmeb-1431	90	15	an	an	DET
ajbmeb-1431	90	16	important	important	ADJ
ajbmeb-1431	90	17	part	part	NOUN
ajbmeb-1431	90	18	of	of	ADP
ajbmeb-1431	90	19	the	the	DET
ajbmeb-1431	90	20	ecosystem	ecosystem	NOUN
ajbmeb-1431	90	21	.	.	PUNCT
ajbmeb-1431	91	1	good	good	ADJ
ajbmeb-1431	91	2	digital	digital	ADJ
ajbmeb-1431	91	3	infrastructure	infrastructure	NOUN
ajbmeb-1431	91	4	and	and	CCONJ
ajbmeb-1431	91	5	supportive	supportive	ADJ
ajbmeb-1431	91	6	government	government	NOUN
ajbmeb-1431	91	7	policies	policy	NOUN
ajbmeb-1431	91	8	are	be	AUX
ajbmeb-1431	91	9	also	also	ADV
ajbmeb-1431	91	10	essential	essential	ADJ
ajbmeb-1431	91	11	.	.	PUNCT
ajbmeb-1431	92	1	startups	startup	NOUN
ajbmeb-1431	92	2	thrive	thrive	VERB
ajbmeb-1431	92	3	when	when	SCONJ
ajbmeb-1431	92	4	the	the	DET
ajbmeb-1431	92	5	markets	market	NOUN
ajbmeb-1431	92	6	for	for	ADP
ajbmeb-1431	92	7	their	their	PRON
ajbmeb-1431	92	8	goods	good	NOUN
ajbmeb-1431	92	9	and	and	CCONJ
ajbmeb-1431	92	10	services	service	NOUN
ajbmeb-1431	92	11	are	be	AUX
ajbmeb-1431	92	12	large	large	ADJ
ajbmeb-1431	92	13	and	and	CCONJ
ajbmeb-1431	92	14	active	active	ADJ
ajbmeb-1431	93	1	[	[	X
ajbmeb-1431	93	2	11	11	NUM
ajbmeb-1431	93	3	]	]	PUNCT
ajbmeb-1431	93	4	.	.	PUNCT
ajbmeb-1431	94	1	figure	figure	NOUN
ajbmeb-1431	94	2	3	3	NUM
ajbmeb-1431	94	3	.	.	PUNCT
ajbmeb-1431	94	4	commercial	commercial	ADJ
ajbmeb-1431	94	5	banks	bank	NOUN
ajbmeb-1431	94	6	are	be	AUX
ajbmeb-1431	94	7	the	the	DET
ajbmeb-1431	94	8	organizational	organizational	ADJ
ajbmeb-1431	94	9	structure	structure	NOUN
ajbmeb-1431	94	10	of	of	ADP
ajbmeb-1431	94	11	the	the	DET
ajbmeb-1431	94	12	digital	digital	PROPN
ajbmeb-1431	94	13	business	business	NOUN
ajbmeb-1431	94	14	ecosystem	ecosystem	NOUN
ajbmeb-1431	94	15	access	access	NOUN
ajbmeb-1431	94	16	to	to	ADP
ajbmeb-1431	94	17	the	the	DET
ajbmeb-1431	94	18	ecosystem	ecosystem	NOUN
ajbmeb-1431	94	19	begins	begin	VERB
ajbmeb-1431	94	20	with	with	ADP
ajbmeb-1431	94	21	the	the	DET
ajbmeb-1431	94	22	registration	registration	NOUN
ajbmeb-1431	94	23	of	of	ADP
ajbmeb-1431	94	24	users	user	NOUN
ajbmeb-1431	94	25	in	in	ADP
ajbmeb-1431	94	26	a	a	DET
ajbmeb-1431	94	27	personal	personal	ADJ
ajbmeb-1431	94	28	account	account	NOUN
ajbmeb-1431	94	29	,	,	PUNCT
ajbmeb-1431	94	30	which	which	PRON
ajbmeb-1431	94	31	is	be	AUX
ajbmeb-1431	94	32	represented	represent	VERB
ajbmeb-1431	94	33	by	by	ADP
ajbmeb-1431	94	34	a	a	DET
ajbmeb-1431	94	35	digital	digital	ADJ
ajbmeb-1431	94	36	service	service	NOUN
ajbmeb-1431	94	37	to	to	PART
ajbmeb-1431	94	38	account	account	VERB
ajbmeb-1431	94	39	for	for	ADP
ajbmeb-1431	94	40	the	the	DET
ajbmeb-1431	94	41	results	result	NOUN
ajbmeb-1431	94	42	of	of	ADP
ajbmeb-1431	94	43	programs	program	NOUN
ajbmeb-1431	94	44	and	and	CCONJ
ajbmeb-1431	94	45	projects	project	NOUN
ajbmeb-1431	94	46	on	on	ADP
ajbmeb-1431	94	47	an	an	DET
ajbmeb-1431	94	48	open	open	ADJ
ajbmeb-1431	94	49	portal	portal	NOUN
ajbmeb-1431	94	50	and	and	CCONJ
ajbmeb-1431	94	51	to	to	PART
ajbmeb-1431	94	52	identify	identify	VERB
ajbmeb-1431	94	53	consumers	consumer	NOUN
ajbmeb-1431	94	54	.	.	PUNCT
ajbmeb-1431	95	1	data	datum	NOUN
ajbmeb-1431	95	2	of	of	ADP
ajbmeb-1431	95	3	all	all	DET
ajbmeb-1431	95	4	participants	participant	NOUN
ajbmeb-1431	95	5	of	of	ADP
ajbmeb-1431	95	6	the	the	DET
ajbmeb-1431	95	7	system	system	NOUN
ajbmeb-1431	95	8	(	(	PUNCT
ajbmeb-1431	95	9	users	user	NOUN
ajbmeb-1431	95	10	and	and	CCONJ
ajbmeb-1431	95	11	commercial	commercial	ADJ
ajbmeb-1431	95	12	banks	bank	NOUN
ajbmeb-1431	95	13	)	)	PUNCT
ajbmeb-1431	95	14	are	be	AUX
ajbmeb-1431	95	15	stored	store	VERB
ajbmeb-1431	95	16	in	in	ADP
ajbmeb-1431	95	17	one	one	NUM
ajbmeb-1431	95	18	database	database	NOUN
ajbmeb-1431	95	19	[	[	X
ajbmeb-1431	95	20	12	12	NUM
ajbmeb-1431	95	21	]	]	PUNCT
ajbmeb-1431	95	22	.	.	PUNCT
ajbmeb-1431	96	1	the	the	DET
ajbmeb-1431	96	2	user	user	NOUN
ajbmeb-1431	96	3	has	have	VERB
ajbmeb-1431	96	4	the	the	DET
ajbmeb-1431	96	5	opportunity	opportunity	NOUN
ajbmeb-1431	96	6	to	to	PART
ajbmeb-1431	96	7	choose	choose	VERB
ajbmeb-1431	96	8	the	the	DET
ajbmeb-1431	96	9	necessary	necessary	ADJ
ajbmeb-1431	96	10	services	service	NOUN
ajbmeb-1431	96	11	from	from	ADP
ajbmeb-1431	96	12	the	the	DET
ajbmeb-1431	96	13	general	general	ADJ
ajbmeb-1431	96	14	system	system	NOUN
ajbmeb-1431	96	15	,	,	PUNCT
ajbmeb-1431	96	16	which	which	PRON
ajbmeb-1431	96	17	ensures	ensure	VERB
ajbmeb-1431	96	18	convenience	convenience	NOUN
ajbmeb-1431	96	19	and	and	CCONJ
ajbmeb-1431	96	20	openness	openness	NOUN
ajbmeb-1431	96	21	.	.	PUNCT
ajbmeb-1431	97	1	institutions	institution	NOUN
ajbmeb-1431	97	2	integrated	integrate	VERB
ajbmeb-1431	97	3	into	into	ADP
ajbmeb-1431	97	4	the	the	DET
ajbmeb-1431	97	5	system	system	NOUN
ajbmeb-1431	97	6	work	work	NOUN
ajbmeb-1431	97	7	taking	take	VERB
ajbmeb-1431	97	8	into	into	ADP
ajbmeb-1431	97	9	account	account	NOUN
ajbmeb-1431	97	10	organizational	organizational	ADJ
ajbmeb-1431	97	11	and	and	CCONJ
ajbmeb-1431	97	12	operational	operational	ADJ
ajbmeb-1431	97	13	systems	system	NOUN
ajbmeb-1431	97	14	,	,	PUNCT
ajbmeb-1431	97	15	their	their	PRON
ajbmeb-1431	97	16	activities	activity	NOUN
ajbmeb-1431	97	17	are	be	AUX
ajbmeb-1431	97	18	equipped	equip	VERB
ajbmeb-1431	97	19	with	with	ADP
ajbmeb-1431	97	20	software	software	NOUN
ajbmeb-1431	97	21	,	,	PUNCT
ajbmeb-1431	97	22	which	which	PRON
ajbmeb-1431	97	23	reduces	reduce	VERB
ajbmeb-1431	97	24	costs	cost	NOUN
ajbmeb-1431	97	25	and	and	CCONJ
ajbmeb-1431	97	26	improves	improve	VERB
ajbmeb-1431	97	27	the	the	DET
ajbmeb-1431	97	28	quality	quality	NOUN
ajbmeb-1431	97	29	of	of	ADP
ajbmeb-1431	97	30	services	service	NOUN
ajbmeb-1431	97	31	.	.	PUNCT
ajbmeb-1431	98	1	banks	bank	NOUN
ajbmeb-1431	98	2	are	be	AUX
ajbmeb-1431	98	3	actively	actively	ADV
ajbmeb-1431	98	4	developing	develop	VERB
ajbmeb-1431	98	5	technological	technological	ADJ
ajbmeb-1431	98	6	solutions	solution	NOUN
ajbmeb-1431	98	7	such	such	ADJ
ajbmeb-1431	98	8	as	as	ADP
ajbmeb-1431	98	9	internet	internet	NOUN
ajbmeb-1431	98	10	banking	banking	NOUN
ajbmeb-1431	98	11	,	,	PUNCT
ajbmeb-1431	98	12	mobile	mobile	ADJ
ajbmeb-1431	98	13	applications	application	NOUN
ajbmeb-1431	98	14	,	,	PUNCT
ajbmeb-1431	98	15	online	online	ADJ
ajbmeb-1431	98	16	payments	payment	NOUN
ajbmeb-1431	98	17	,	,	PUNCT
ajbmeb-1431	98	18	etc	etc	X
ajbmeb-1431	98	19	.	.	X
ajbmeb-1431	98	20	to	to	PART
ajbmeb-1431	98	21	improve	improve	VERB
ajbmeb-1431	98	22	the	the	DET
ajbmeb-1431	98	23	convenience	convenience	NOUN
ajbmeb-1431	98	24	and	and	CCONJ
ajbmeb-1431	98	25	ease	ease	NOUN
ajbmeb-1431	98	26	of	of	ADP
ajbmeb-1431	98	27	use	use	NOUN
ajbmeb-1431	98	28	of	of	ADP
ajbmeb-1431	98	29	their	their	PRON
ajbmeb-1431	98	30	services	service	NOUN
ajbmeb-1431	98	31	for	for	ADP
ajbmeb-1431	98	32	customers	customer	NOUN
ajbmeb-1431	98	33	.	.	PUNCT
ajbmeb-1431	99	1	commercial	commercial	ADJ
ajbmeb-1431	99	2	banks	bank	NOUN
ajbmeb-1431	99	3	must	must	AUX
ajbmeb-1431	99	4	comply	comply	VERB
ajbmeb-1431	99	5	with	with	ADP
ajbmeb-1431	99	6	financial	financial	ADJ
ajbmeb-1431	99	7	regulatory	regulatory	ADJ
ajbmeb-1431	99	8	laws	law	NOUN
ajbmeb-1431	99	9	and	and	CCONJ
ajbmeb-1431	99	10	regulations	regulation	NOUN
ajbmeb-1431	99	11	and	and	CCONJ
ajbmeb-1431	99	12	conduct	conduct	VERB
ajbmeb-1431	99	13	internal	internal	ADJ
ajbmeb-1431	99	14	controls	control	NOUN
ajbmeb-1431	99	15	and	and	CCONJ
ajbmeb-1431	99	16	audits	audits	NOUN
ajbmeb-1431	99	17	to	to	PART
ajbmeb-1431	99	18	ensure	ensure	VERB
ajbmeb-1431	99	19	compliance	compliance	NOUN
ajbmeb-1431	99	20	with	with	ADP
ajbmeb-1431	99	21	regulations	regulation	NOUN
ajbmeb-1431	99	22	and	and	CCONJ
ajbmeb-1431	99	23	standards	standard	NOUN
ajbmeb-1431	99	24	[	[	X
ajbmeb-1431	99	25	13	13	NUM
ajbmeb-1431	99	26	]	]	PUNCT
ajbmeb-1431	99	27	.	.	PUNCT
ajbmeb-1431	100	1	the	the	DET
ajbmeb-1431	100	2	business	business	NOUN
ajbmeb-1431	100	3	ecosystem	ecosystem	NOUN
ajbmeb-1431	100	4	of	of	ADP
ajbmeb-1431	100	5	commercial	commercial	ADJ
ajbmeb-1431	100	6	banks	bank	NOUN
ajbmeb-1431	100	7	is	be	AUX
ajbmeb-1431	100	8	characterized	characterize	VERB
ajbmeb-1431	100	9	by	by	ADP
ajbmeb-1431	100	10	competition	competition	NOUN
ajbmeb-1431	100	11	between	between	ADP
ajbmeb-1431	100	12	different	different	ADJ
ajbmeb-1431	100	13	banks	bank	NOUN
ajbmeb-1431	100	14	for	for	ADP
ajbmeb-1431	100	15	customers	customer	NOUN
ajbmeb-1431	100	16	and	and	CCONJ
ajbmeb-1431	100	17	american	american	ADJ
ajbmeb-1431	100	18	journal	journal	PROPN
ajbmeb-1431	100	19	of	of	ADP
ajbmeb-1431	100	20	business	business	NOUN
ajbmeb-1431	100	21	management	management	NOUN
ajbmeb-1431	100	22	,	,	PUNCT
ajbmeb-1431	100	23	economics	economic	NOUN
ajbmeb-1431	100	24	and	and	CCONJ
ajbmeb-1431	100	25	banking	banking	NOUN
ajbmeb-1431	100	26	volume	volume	NOUN
ajbmeb-1431	100	27	18	18	NUM
ajbmeb-1431	100	28	nov	nov	PROPN
ajbmeb-1431	100	29	.	.	PROPN
ajbmeb-1431	100	30	,	,	PUNCT
ajbmeb-1431	100	31	2023	2023	NUM
ajbmeb-1431	100	32	p	p	NOUN
ajbmeb-1431	100	33	a	a	DET
ajbmeb-1431	100	34	g	g	NOUN
ajbmeb-1431	100	35	e	e	NOUN
ajbmeb-1431	100	36	|	|	ADV
ajbmeb-1431	100	37	56	56	NUM
ajbmeb-1431	100	38	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1431	100	39	market	market	NOUN
ajbmeb-1431	100	40	shares	share	NOUN
ajbmeb-1431	100	41	.	.	PUNCT
ajbmeb-1431	101	1	at	at	ADP
ajbmeb-1431	101	2	the	the	DET
ajbmeb-1431	101	3	same	same	ADJ
ajbmeb-1431	101	4	time	time	NOUN
ajbmeb-1431	101	5	,	,	PUNCT
ajbmeb-1431	101	6	banks	bank	NOUN
ajbmeb-1431	101	7	can	can	AUX
ajbmeb-1431	101	8	cooperate	cooperate	VERB
ajbmeb-1431	101	9	with	with	ADP
ajbmeb-1431	101	10	each	each	DET
ajbmeb-1431	101	11	other	other	ADJ
ajbmeb-1431	101	12	,	,	PUNCT
ajbmeb-1431	101	13	for	for	ADP
ajbmeb-1431	101	14	example	example	NOUN
ajbmeb-1431	101	15	,	,	PUNCT
ajbmeb-1431	101	16	through	through	ADP
ajbmeb-1431	101	17	payment	payment	NOUN
ajbmeb-1431	101	18	systems	system	NOUN
ajbmeb-1431	101	19	or	or	CCONJ
ajbmeb-1431	101	20	within	within	ADP
ajbmeb-1431	101	21	credit	credit	NOUN
ajbmeb-1431	101	22	clubs	club	NOUN
ajbmeb-1431	101	23	.	.	PUNCT
ajbmeb-1431	102	1	these	these	DET
ajbmeb-1431	102	2	elements	element	NOUN
ajbmeb-1431	102	3	form	form	VERB
ajbmeb-1431	102	4	the	the	DET
ajbmeb-1431	102	5	basis	basis	NOUN
ajbmeb-1431	102	6	of	of	ADP
ajbmeb-1431	102	7	the	the	DET
ajbmeb-1431	102	8	commercial	commercial	ADJ
ajbmeb-1431	102	9	banking	banking	NOUN
ajbmeb-1431	102	10	business	business	NOUN
ajbmeb-1431	102	11	ecosystem	ecosystem	NOUN
ajbmeb-1431	102	12	,	,	PUNCT
ajbmeb-1431	102	13	which	which	PRON
ajbmeb-1431	102	14	supports	support	VERB
ajbmeb-1431	102	15	the	the	DET
ajbmeb-1431	102	16	functioning	functioning	NOUN
ajbmeb-1431	102	17	of	of	ADP
ajbmeb-1431	102	18	the	the	DET
ajbmeb-1431	102	19	financial	financial	ADJ
ajbmeb-1431	102	20	system	system	NOUN
ajbmeb-1431	102	21	and	and	CCONJ
ajbmeb-1431	102	22	satisfies	satisfy	VERB
ajbmeb-1431	102	23	the	the	DET
ajbmeb-1431	102	24	needs	need	NOUN
ajbmeb-1431	102	25	of	of	ADP
ajbmeb-1431	102	26	customers	customer	NOUN
ajbmeb-1431	102	27	[	[	X
ajbmeb-1431	102	28	14	14	NUM
ajbmeb-1431	102	29	]	]	PUNCT
ajbmeb-1431	102	30	.	.	PUNCT
ajbmeb-1431	103	1	conclusions	conclusion	NOUN
ajbmeb-1431	103	2	and	and	CCONJ
ajbmeb-1431	103	3	suggestions	suggestion	NOUN
ajbmeb-1431	103	4	on	on	ADP
ajbmeb-1431	103	5	the	the	DET
ajbmeb-1431	103	6	basis	basis	NOUN
ajbmeb-1431	103	7	of	of	ADP
ajbmeb-1431	103	8	the	the	DET
ajbmeb-1431	103	9	introduction	introduction	NOUN
ajbmeb-1431	103	10	of	of	ADP
ajbmeb-1431	103	11	innovations	innovation	NOUN
ajbmeb-1431	103	12	learned	learn	VERB
ajbmeb-1431	103	13	in	in	ADP
ajbmeb-1431	103	14	the	the	DET
ajbmeb-1431	103	15	course	course	NOUN
ajbmeb-1431	103	16	of	of	ADP
ajbmeb-1431	103	17	our	our	PRON
ajbmeb-1431	103	18	research	research	NOUN
ajbmeb-1431	103	19	work	work	NOUN
ajbmeb-1431	103	20	,	,	PUNCT
ajbmeb-1431	103	21	based	base	VERB
ajbmeb-1431	103	22	on	on	ADP
ajbmeb-1431	103	23	the	the	DET
ajbmeb-1431	103	24	approaches	approach	NOUN
ajbmeb-1431	103	25	provided	provide	VERB
ajbmeb-1431	103	26	for	for	ADP
ajbmeb-1431	103	27	elucidating	elucidate	VERB
ajbmeb-1431	103	28	the	the	DET
ajbmeb-1431	103	29	essence	essence	NOUN
ajbmeb-1431	103	30	of	of	ADP
ajbmeb-1431	103	31	increasing	increase	VERB
ajbmeb-1431	103	32	the	the	DET
ajbmeb-1431	103	33	efficiency	efficiency	NOUN
ajbmeb-1431	103	34	of	of	ADP
ajbmeb-1431	103	35	the	the	DET
ajbmeb-1431	103	36	introduction	introduction	NOUN
ajbmeb-1431	103	37	of	of	ADP
ajbmeb-1431	103	38	the	the	DET
ajbmeb-1431	103	39	business	business	NOUN
ajbmeb-1431	103	40	ecosystem	ecosystem	NOUN
ajbmeb-1431	103	41	in	in	ADP
ajbmeb-1431	103	42	commercial	commercial	ADJ
ajbmeb-1431	103	43	banks	bank	NOUN
ajbmeb-1431	104	1	,	,	PUNCT
ajbmeb-1431	104	2	we	we	PRON
ajbmeb-1431	104	3	explained	explain	VERB
ajbmeb-1431	104	4	the	the	DET
ajbmeb-1431	104	5	author	author	NOUN
ajbmeb-1431	104	6	's	's	PART
ajbmeb-1431	104	7	definition	definition	NOUN
ajbmeb-1431	104	8	of	of	ADP
ajbmeb-1431	104	9	the	the	DET
ajbmeb-1431	104	10	introduction	introduction	NOUN
ajbmeb-1431	104	11	of	of	ADP
ajbmeb-1431	104	12	the	the	DET
ajbmeb-1431	104	13	business	business	NOUN
ajbmeb-1431	104	14	ecosystem	ecosystem	NOUN
ajbmeb-1431	104	15	in	in	ADP
ajbmeb-1431	104	16	commercial	commercial	ADJ
ajbmeb-1431	104	17	banks	bank	NOUN
ajbmeb-1431	104	18	in	in	ADP
ajbmeb-1431	104	19	the	the	DET
ajbmeb-1431	104	20	new	new	ADJ
ajbmeb-1431	104	21	version	version	NOUN
ajbmeb-1431	104	22	as	as	SCONJ
ajbmeb-1431	104	23	follows	follow	VERB
ajbmeb-1431	104	24	:	:	PUNCT
ajbmeb-1431	104	25	to	to	ADP
ajbmeb-1431	104	26	the	the	DET
ajbmeb-1431	104	27	business	business	NOUN
ajbmeb-1431	104	28	ecosystem	ecosystem	NOUN
ajbmeb-1431	104	29	of	of	ADP
ajbmeb-1431	104	30	commercial	commercial	ADJ
ajbmeb-1431	104	31	banks	bank	NOUN
ajbmeb-1431	104	32	ensuring	ensure	VERB
ajbmeb-1431	104	33	the	the	DET
ajbmeb-1431	104	34	operation	operation	NOUN
ajbmeb-1431	104	35	of	of	ADP
ajbmeb-1431	104	36	the	the	DET
ajbmeb-1431	104	37	banking	banking	NOUN
ajbmeb-1431	104	38	system	system	NOUN
ajbmeb-1431	104	39	and	and	CCONJ
ajbmeb-1431	104	40	the	the	DET
ajbmeb-1431	104	41	provision	provision	NOUN
ajbmeb-1431	104	42	of	of	ADP
ajbmeb-1431	104	43	financial	financial	ADJ
ajbmeb-1431	104	44	services	service	NOUN
ajbmeb-1431	104	45	includes	include	VERB
ajbmeb-1431	104	46	various	various	ADJ
ajbmeb-1431	104	47	factors	factor	NOUN
ajbmeb-1431	104	48	and	and	CCONJ
ajbmeb-1431	104	49	actors	actor	NOUN
ajbmeb-1431	104	50	that	that	PRON
ajbmeb-1431	104	51	interact	interact	VERB
ajbmeb-1431	104	52	with	with	ADP
ajbmeb-1431	104	53	each	each	DET
ajbmeb-1431	104	54	other	other	ADJ
ajbmeb-1431	105	1	[	[	X
ajbmeb-1431	105	2	15	15	NUM
ajbmeb-1431	105	3	]	]	PUNCT
ajbmeb-1431	105	4	.	.	PUNCT
ajbmeb-1431	106	1	the	the	DET
ajbmeb-1431	106	2	main	main	ADJ
ajbmeb-1431	106	3	elements	element	NOUN
ajbmeb-1431	106	4	of	of	ADP
ajbmeb-1431	106	5	the	the	DET
ajbmeb-1431	106	6	business	business	NOUN
ajbmeb-1431	106	7	ecosystem	ecosystem	NOUN
ajbmeb-1431	106	8	of	of	ADP
ajbmeb-1431	106	9	commercial	commercial	ADJ
ajbmeb-1431	106	10	banks	bank	NOUN
ajbmeb-1431	106	11	include	include	VERB
ajbmeb-1431	106	12	:	:	PUNCT
ajbmeb-1431	106	13	1	1	X
ajbmeb-1431	106	14	.	.	X
ajbmeb-1431	106	15	clients	client	NOUN
ajbmeb-1431	106	16	:	:	PUNCT
ajbmeb-1431	106	17	individuals	individual	NOUN
ajbmeb-1431	106	18	,	,	PUNCT
ajbmeb-1431	106	19	corporate	corporate	ADJ
ajbmeb-1431	106	20	clients	client	NOUN
ajbmeb-1431	106	21	and	and	CCONJ
ajbmeb-1431	106	22	small	small	ADJ
ajbmeb-1431	106	23	businesses	business	NOUN
ajbmeb-1431	106	24	who	who	PRON
ajbmeb-1431	106	25	use	use	VERB
ajbmeb-1431	106	26	the	the	DET
ajbmeb-1431	106	27	services	service	NOUN
ajbmeb-1431	106	28	of	of	ADP
ajbmeb-1431	106	29	commercial	commercial	ADJ
ajbmeb-1431	106	30	banks	bank	NOUN
ajbmeb-1431	106	31	to	to	PART
ajbmeb-1431	106	32	manage	manage	VERB
ajbmeb-1431	106	33	their	their	PRON
ajbmeb-1431	106	34	finances	finance	NOUN
ajbmeb-1431	106	35	,	,	PUNCT
ajbmeb-1431	106	36	obtain	obtain	VERB
ajbmeb-1431	106	37	loans	loan	NOUN
ajbmeb-1431	106	38	,	,	PUNCT
ajbmeb-1431	106	39	invest	invest	VERB
ajbmeb-1431	106	40	and	and	CCONJ
ajbmeb-1431	106	41	perform	perform	VERB
ajbmeb-1431	106	42	other	other	ADJ
ajbmeb-1431	106	43	operations	operation	NOUN
ajbmeb-1431	106	44	.	.	PUNCT
ajbmeb-1431	107	1	2	2	X
ajbmeb-1431	107	2	.	.	X
ajbmeb-1431	107	3	banking	banking	NOUN
ajbmeb-1431	107	4	products	product	NOUN
ajbmeb-1431	107	5	and	and	CCONJ
ajbmeb-1431	107	6	services	service	NOUN
ajbmeb-1431	107	7	:	:	PUNCT
ajbmeb-1431	107	8	commercial	commercial	ADJ
ajbmeb-1431	107	9	banks	bank	NOUN
ajbmeb-1431	107	10	offer	offer	VERB
ajbmeb-1431	107	11	a	a	DET
ajbmeb-1431	107	12	wide	wide	ADJ
ajbmeb-1431	107	13	range	range	NOUN
ajbmeb-1431	107	14	of	of	ADP
ajbmeb-1431	107	15	products	product	NOUN
ajbmeb-1431	107	16	and	and	CCONJ
ajbmeb-1431	107	17	services	service	NOUN
ajbmeb-1431	107	18	such	such	ADJ
ajbmeb-1431	107	19	as	as	ADP
ajbmeb-1431	107	20	accounts	account	NOUN
ajbmeb-1431	107	21	,	,	PUNCT
ajbmeb-1431	107	22	loans	loan	NOUN
ajbmeb-1431	107	23	,	,	PUNCT
ajbmeb-1431	107	24	debit	debit	NOUN
ajbmeb-1431	107	25	and	and	CCONJ
ajbmeb-1431	107	26	credit	credit	NOUN
ajbmeb-1431	107	27	cards	card	NOUN
ajbmeb-1431	107	28	,	,	PUNCT
ajbmeb-1431	107	29	investment	investment	NOUN
ajbmeb-1431	107	30	products	product	NOUN
ajbmeb-1431	107	31	,	,	PUNCT
ajbmeb-1431	107	32	insurance	insurance	NOUN
ajbmeb-1431	107	33	,	,	PUNCT
ajbmeb-1431	107	34	etc	etc	X
ajbmeb-1431	107	35	.	.	X
ajbmeb-1431	108	1	3	3	X
ajbmeb-1431	108	2	.	.	X
ajbmeb-1431	108	3	financial	financial	ADJ
ajbmeb-1431	108	4	regulatory	regulatory	ADJ
ajbmeb-1431	108	5	bodies	body	NOUN
ajbmeb-1431	108	6	:	:	PUNCT
ajbmeb-1431	108	7	government	government	NOUN
ajbmeb-1431	108	8	bodies	body	NOUN
ajbmeb-1431	108	9	and	and	CCONJ
ajbmeb-1431	108	10	regulatory	regulatory	ADJ
ajbmeb-1431	108	11	bodies	body	NOUN
ajbmeb-1431	108	12	oversee	oversee	VERB
ajbmeb-1431	108	13	the	the	DET
ajbmeb-1431	108	14	activities	activity	NOUN
ajbmeb-1431	108	15	of	of	ADP
ajbmeb-1431	108	16	commercial	commercial	ADJ
ajbmeb-1431	108	17	banks	bank	NOUN
ajbmeb-1431	108	18	to	to	PART
ajbmeb-1431	108	19	ensure	ensure	VERB
ajbmeb-1431	108	20	compliance	compliance	NOUN
ajbmeb-1431	108	21	with	with	ADP
ajbmeb-1431	108	22	laws	law	NOUN
ajbmeb-1431	108	23	and	and	CCONJ
ajbmeb-1431	108	24	protect	protect	VERB
ajbmeb-1431	108	25	the	the	DET
ajbmeb-1431	108	26	interests	interest	NOUN
ajbmeb-1431	108	27	of	of	ADP
ajbmeb-1431	108	28	customers	customer	NOUN
ajbmeb-1431	108	29	[	[	X
ajbmeb-1431	108	30	16	16	NUM
ajbmeb-1431	108	31	]	]	PUNCT
ajbmeb-1431	108	32	.	.	PUNCT
ajbmeb-1431	109	1	4	4	X
ajbmeb-1431	109	2	.	.	X
ajbmeb-1431	109	3	competitors	competitor	NOUN
ajbmeb-1431	109	4	:	:	PUNCT
ajbmeb-1431	109	5	other	other	ADJ
ajbmeb-1431	109	6	commercial	commercial	ADJ
ajbmeb-1431	109	7	banks	bank	NOUN
ajbmeb-1431	109	8	,	,	PUNCT
ajbmeb-1431	109	9	credit	credit	NOUN
ajbmeb-1431	109	10	unions	union	NOUN
ajbmeb-1431	109	11	,	,	PUNCT
ajbmeb-1431	109	12	and	and	CCONJ
ajbmeb-1431	109	13	financial	financial	ADJ
ajbmeb-1431	109	14	institutions	institution	NOUN
ajbmeb-1431	109	15	are	be	AUX
ajbmeb-1431	109	16	competitors	competitor	NOUN
ajbmeb-1431	109	17	of	of	ADP
ajbmeb-1431	109	18	commercial	commercial	ADJ
ajbmeb-1431	109	19	banks	bank	NOUN
ajbmeb-1431	109	20	,	,	PUNCT
ajbmeb-1431	109	21	creating	create	VERB
ajbmeb-1431	109	22	a	a	DET
ajbmeb-1431	109	23	competitive	competitive	ADJ
ajbmeb-1431	109	24	environment	environment	NOUN
ajbmeb-1431	109	25	that	that	PRON
ajbmeb-1431	109	26	encourages	encourage	VERB
ajbmeb-1431	109	27	innovation	innovation	NOUN
ajbmeb-1431	109	28	and	and	CCONJ
ajbmeb-1431	109	29	the	the	DET
ajbmeb-1431	109	30	development	development	NOUN
ajbmeb-1431	109	31	of	of	ADP
ajbmeb-1431	109	32	new	new	ADJ
ajbmeb-1431	109	33	products	product	NOUN
ajbmeb-1431	109	34	and	and	CCONJ
ajbmeb-1431	109	35	services	service	NOUN
ajbmeb-1431	109	36	.	.	PUNCT
ajbmeb-1431	110	1	5	5	X
ajbmeb-1431	110	2	.	.	X
ajbmeb-1431	110	3	technological	technological	ADJ
ajbmeb-1431	110	4	infrastructure	infrastructure	NOUN
ajbmeb-1431	110	5	:	:	PUNCT
ajbmeb-1431	110	6	commercial	commercial	ADJ
ajbmeb-1431	110	7	banks	bank	NOUN
ajbmeb-1431	110	8	are	be	AUX
ajbmeb-1431	110	9	actively	actively	ADV
ajbmeb-1431	110	10	using	use	VERB
ajbmeb-1431	110	11	information	information	NOUN
ajbmeb-1431	110	12	technology	technology	NOUN
ajbmeb-1431	110	13	to	to	PART
ajbmeb-1431	110	14	process	process	VERB
ajbmeb-1431	110	15	and	and	CCONJ
ajbmeb-1431	110	16	store	store	VERB
ajbmeb-1431	110	17	customer	customer	NOUN
ajbmeb-1431	110	18	data	datum	NOUN
ajbmeb-1431	110	19	,	,	PUNCT
ajbmeb-1431	110	20	automate	automate	NOUN
ajbmeb-1431	110	21	processes	process	NOUN
ajbmeb-1431	110	22	,	,	PUNCT
ajbmeb-1431	110	23	provide	provide	VERB
ajbmeb-1431	110	24	online	online	ADJ
ajbmeb-1431	110	25	banking	banking	NOUN
ajbmeb-1431	110	26	and	and	CCONJ
ajbmeb-1431	110	27	mobile	mobile	ADJ
ajbmeb-1431	110	28	applications	application	NOUN
ajbmeb-1431	110	29	[	[	X
ajbmeb-1431	110	30	17	17	NUM
ajbmeb-1431	110	31	]	]	PUNCT
ajbmeb-1431	110	32	.	.	PUNCT
ajbmeb-1431	111	1	references	reference	NOUN
ajbmeb-1431	111	2	1	1	NUM
ajbmeb-1431	111	3	.	.	PUNCT
ajbmeb-1431	111	4	decree	decree	NOUN
ajbmeb-1431	111	5	of	of	ADP
ajbmeb-1431	111	6	the	the	DET
ajbmeb-1431	111	7	president	president	NOUN
ajbmeb-1431	111	8	of	of	ADP
ajbmeb-1431	111	9	the	the	DET
ajbmeb-1431	111	10	republic	republic	NOUN
ajbmeb-1431	111	11	of	of	ADP
ajbmeb-1431	111	12	uzbekistan	uzbekistan	PROPN
ajbmeb-1431	111	13	dated	date	VERB
ajbmeb-1431	111	14	october	october	PROPN
ajbmeb-1431	111	15	5	5	NUM
ajbmeb-1431	111	16	,	,	PUNCT
ajbmeb-1431	111	17	2020	2020	NUM
ajbmeb-1431	112	1	no	no	INTJ
ajbmeb-1431	112	2	.	.	PUNCT
ajbmeb-1431	112	3	pf-6079	pf-6079	PROPN
ajbmeb-1431	113	1	"	"	PUNCT
ajbmeb-1431	113	2	on	on	ADP
ajbmeb-1431	113	3	approval	approval	NOUN
ajbmeb-1431	113	4	of	of	ADP
ajbmeb-1431	113	5	the	the	DET
ajbmeb-1431	113	6	digital	digital	ADJ
ajbmeb-1431	113	7	uzbekistan	uzbekistan	PROPN
ajbmeb-1431	113	8	2030	2030	NUM
ajbmeb-1431	113	9	"	"	PUNCT
ajbmeb-1431	113	10	strategy	strategy	NOUN
ajbmeb-1431	113	11	and	and	CCONJ
ajbmeb-1431	113	12	measures	measure	NOUN
ajbmeb-1431	113	13	for	for	ADP
ajbmeb-1431	113	14	its	its	PRON
ajbmeb-1431	113	15	effective	effective	ADJ
ajbmeb-1431	113	16	implementation	implementation	NOUN
ajbmeb-1431	113	17	2	2	NUM
ajbmeb-1431	113	18	.	.	PUNCT
ajbmeb-1431	113	19	szymanowska	szymanowska	PROPN
ajbmeb-1431	113	20	m.	m.	PROPN
ajbmeb-1431	113	21	et	et	PROPN
ajbmeb-1431	113	22	al	al	PROPN
ajbmeb-1431	113	23	.	.	PUNCT
ajbmeb-1431	114	1	an	an	DET
ajbmeb-1431	114	2	anatomy	anatomy	NOUN
ajbmeb-1431	114	3	of	of	ADP
ajbmeb-1431	114	4	commodity	commodity	NOUN
ajbmeb-1431	114	5	futures	future	NOUN
ajbmeb-1431	114	6	risk	risk	NOUN
ajbmeb-1431	114	7	premia	premia	PROPN
ajbmeb-1431	114	8	//the	//the	DET
ajbmeb-1431	114	9	journal	journal	NOUN
ajbmeb-1431	114	10	of	of	ADP
ajbmeb-1431	114	11	finance	finance	NOUN
ajbmeb-1431	114	12	.	.	PUNCT
ajbmeb-1431	115	1	–	–	PUNCT
ajbmeb-1431	115	2	2014	2014	NUM
ajbmeb-1431	115	3	.	.	PUNCT
ajbmeb-1431	116	1	–	–	PUNCT
ajbmeb-1431	116	2	т	т	X
ajbmeb-1431	116	3	.	.	PROPN
ajbmeb-1431	116	4	69	69	NUM
ajbmeb-1431	116	5	.	.	PUNCT
ajbmeb-1431	117	1	–	–	PUNCT
ajbmeb-1431	117	2	№	№	NOUN
ajbmeb-1431	117	3	.	.	NOUN
ajbmeb-1431	118	1	1	1	NUM
ajbmeb-1431	118	2	.	.	X
ajbmeb-1431	118	3	–	–	PUNCT
ajbmeb-1431	118	4	с	с	NOUN
ajbmeb-1431	118	5	.	.	PUNCT
ajbmeb-1431	119	1	453	453	NUM
ajbmeb-1431	119	2	-	-	SYM
ajbmeb-1431	119	3	482	482	NUM
ajbmeb-1431	119	4	.	.	NOUN
ajbmeb-1431	119	5	3	3	X
ajbmeb-1431	119	6	.	.	X
ajbmeb-1431	119	7	ivanov	ivanov	PROPN
ajbmeb-1431	119	8	,	,	PUNCT
ajbmeb-1431	119	9	a.	a.	NOUN
ajbmeb-1431	119	10	ekosistema	ekosistema	PROPN
ajbmeb-1431	119	11	naoborot	naoborot	PROPN
ajbmeb-1431	120	1	[	[	X
ajbmeb-1431	120	2	elektronniy	elektronniy	ADJ
ajbmeb-1431	120	3	resurs	resurs	PROPN
ajbmeb-1431	120	4	]	]	X
ajbmeb-1431	120	5	//	//	SYM
ajbmeb-1431	120	6	vc.ru	vc.ru	VERB
ajbmeb-1431	120	7	.	.	PUNCT
ajbmeb-1431	121	1	–	–	PUNCT
ajbmeb-1431	121	2	rejim	rejim	VERB
ajbmeb-1431	121	3	dostupa	dostupa	NOUN
ajbmeb-1431	121	4	:	:	PUNCT
ajbmeb-1431	121	5	https://vc.ru/finance/97873-ekosistemanaoborot	https://vc.ru/finance/97873-ekosistemanaoborot	PROPN
ajbmeb-1431	121	6	.	.	PUNCT
ajbmeb-1431	122	1	4	4	NUM
ajbmeb-1431	122	2	.	.	NOUN
ajbmeb-1431	122	3	https://www.vedomosti.ru/finance/blogs/2019/06/27/804788	https://www.vedomosti.ru/finance/blogs/2019/06/27/804788	NUM
ajbmeb-1431	122	4	bankovskaya	bankovskaya	NOUN
ajbmeb-1431	122	5	-	-	PUNCT
ajbmeb-1431	122	6	ekosistema	ekosistema	NOUN
ajbmeb-1431	122	7	.	.	PUNCT
ajbmeb-1431	123	1	5	5	X
ajbmeb-1431	123	2	.	.	NUM
ajbmeb-1431	123	3	www.cbr.ru	www.cbr.ru	VERB
ajbmeb-1431	123	4	–	–	PUNCT
ajbmeb-1431	123	5	цб	цб	X
ajbmeb-1431	123	6	рф	рф	ADP
ajbmeb-1431	123	7	«	«	PUNCT
ajbmeb-1431	123	8	экосистемы	экосистемы	NOUN
ajbmeb-1431	123	9	:	:	PUNCT
ajbmeb-1431	123	10	подходы	подходы	NOUN
ajbmeb-1431	123	11	к	к	NOUN
ajbmeb-1431	123	12	регулированию	регулированию	NOUN
ajbmeb-1431	123	13	»	»	PUNCT
ajbmeb-1431	123	14	.	.	PUNCT
ajbmeb-1431	124	1	апрель	апрель	NOUN
ajbmeb-1431	124	2	2021	2021	NUM
ajbmeb-1431	124	3	.	.	PUNCT
ajbmeb-1431	125	1	–	–	PUNCT
ajbmeb-1431	125	2	с	с	NOUN
ajbmeb-1431	125	3	.	.	PROPN
ajbmeb-1431	125	4	6	6	NUM
ajbmeb-1431	125	5	6	6	NUM
ajbmeb-1431	125	6	.	.	PUNCT
ajbmeb-1431	126	1	jacobides	jacobide	NOUN
ajbmeb-1431	126	2	m.	m.	PROPN
ajbmeb-1431	126	3	,	,	PUNCT
ajbmeb-1431	126	4	cennamo	cennamo	PROPN
ajbmeb-1431	126	5	c.	c.	PROPN
ajbmeb-1431	126	6	,	,	PUNCT
ajbmeb-1431	126	7	gawer	gawer	NOUN
ajbmeb-1431	126	8	a.	a.	NOUN
ajbmeb-1431	126	9	industries	industry	NOUN
ajbmeb-1431	126	10	,	,	PUNCT
ajbmeb-1431	126	11	ecosystems	ecosystem	NOUN
ajbmeb-1431	126	12	,	,	PUNCT
ajbmeb-1431	126	13	platforms	platform	NOUN
ajbmeb-1431	126	14	,	,	PUNCT
ajbmeb-1431	126	15	and	and	CCONJ
ajbmeb-1431	126	16	architectures	architecture	NOUN
ajbmeb-1431	126	17	:	:	PUNCT
ajbmeb-1431	126	18	rethinking	rethink	VERB
ajbmeb-1431	126	19	our	our	PRON
ajbmeb-1431	126	20	strategy	strategy	NOUN
ajbmeb-1431	126	21	constructs	construct	NOUN
ajbmeb-1431	126	22	at	at	ADP
ajbmeb-1431	126	23	the	the	DET
ajbmeb-1431	126	24	aggregate	aggregate	ADJ
ajbmeb-1431	126	25	level	level	NOUN
ajbmeb-1431	126	26	.	.	PUNCT
ajbmeb-1431	127	1	working	work	VERB
ajbmeb-1431	127	2	paper	paper	NOUN
ajbmeb-1431	127	3	,	,	PUNCT
ajbmeb-1431	127	4	london	london	PROPN
ajbmeb-1431	127	5	business	business	NOUN
ajbmeb-1431	127	6	school	school	NOUN
ajbmeb-1431	127	7	,	,	PUNCT
ajbmeb-1431	127	8	2015	2015	NUM
ajbmeb-1431	127	9	.	.	PUNCT
ajbmeb-1431	128	1	7	7	X
ajbmeb-1431	128	2	.	.	X
ajbmeb-1431	128	3	adner	adner	PROPN
ajbmeb-1431	128	4	r.	r.	PROPN
ajbmeb-1431	128	5	(	(	PUNCT
ajbmeb-1431	128	6	2017	2017	NUM
ajbmeb-1431	128	7	)	)	PUNCT
ajbmeb-1431	128	8	.	.	PUNCT
ajbmeb-1431	129	1	ecosystem	ecosystem	NOUN
ajbmeb-1431	129	2	as	as	ADP
ajbmeb-1431	129	3	structure	structure	NOUN
ajbmeb-1431	129	4	:	:	PUNCT
ajbmeb-1431	129	5	an	an	DET
ajbmeb-1431	129	6	actionable	actionable	ADJ
ajbmeb-1431	129	7	construct	construct	NOUN
ajbmeb-1431	129	8	for	for	ADP
ajbmeb-1431	129	9	strategy	strategy	NOUN
ajbmeb-1431	129	10	.	.	PUNCT
ajbmeb-1431	130	1	journal	journal	NOUN
ajbmeb-1431	130	2	of	of	ADP
ajbmeb-1431	130	3	management	management	NOUN
ajbmeb-1431	130	4	,	,	PUNCT
ajbmeb-1431	130	5	vol	vol	NOUN
ajbmeb-1431	130	6	.	.	PROPN
ajbmeb-1431	130	7	43	43	NUM
ajbmeb-1431	130	8	,	,	PUNCT
ajbmeb-1431	130	9	no	no	DET
ajbmeb-1431	130	10	1	1	NUM
ajbmeb-1431	130	11	,	,	PUNCT
ajbmeb-1431	130	12	pp	pp	ADJ
ajbmeb-1431	130	13	.	.	PUNCT
ajbmeb-1431	131	1	39–58	39–58	NUM
ajbmeb-1431	131	2	.	.	PUNCT
ajbmeb-1431	132	1	doi	doi	NOUN
ajbmeb-1431	132	2	:	:	PUNCT
ajbmeb-1431	132	3	https://doi.org/10.1177/014920631667845	https://doi.org/10.1177/014920631667845	NOUN
ajbmeb-1431	132	4	.	.	NOUN
ajbmeb-1431	132	5	8	8	NUM
ajbmeb-1431	132	6	.	.	X
ajbmeb-1431	132	7	parker	parker	PROPN
ajbmeb-1431	132	8	g.	g.	PROPN
ajbmeb-1431	132	9	,	,	PUNCT
ajbmeb-1431	132	10	van	van	PROPN
ajbmeb-1431	132	11	alstyne	alstyne	PROPN
ajbmeb-1431	132	12	m.w	m.w	PROPN
ajbmeb-1431	132	13	.	.	PROPN
ajbmeb-1431	132	14	(	(	PUNCT
ajbmeb-1431	132	15	2014	2014	NUM
ajbmeb-1431	132	16	)	)	PUNCT
ajbmeb-1431	132	17	platform	platform	NOUN
ajbmeb-1431	132	18	strategy	strategy	NOUN
ajbmeb-1431	132	19	.	.	PUNCT
ajbmeb-1431	133	1	school	school	NOUN
ajbmeb-1431	133	2	of	of	ADP
ajbmeb-1431	133	3	management	management	NOUN
ajbmeb-1431	133	4	research	research	NOUN
ajbmeb-1431	133	5	paper	paper	NOUN
ajbmeb-1431	133	6	no	no	NOUN
ajbmeb-1431	133	7	.	.	PROPN
ajbmeb-1431	133	8	2439323	2439323	NUM
ajbmeb-1431	133	9	,	,	PUNCT
ajbmeb-1431	133	10	boston	boston	PROPN
ajbmeb-1431	133	11	u.	u.	PROPN
ajbmeb-1431	133	12	https://doi.org/10.2139/ssrn.2439323	https://doi.org/10.2139/ssrn.2439323	PROPN
ajbmeb-1431	133	13	.	.	PUNCT
ajbmeb-1431	134	1	9	9	X
ajbmeb-1431	134	2	.	.	X
ajbmeb-1431	134	3	кобылко	кобылко	PROPN
ajbmeb-1431	134	4	а.а	а.а	PROPN
ajbmeb-1431	134	5	.	.	PUNCT
ajbmeb-1431	135	1	(	(	PUNCT
ajbmeb-1431	135	2	2019	2019	NUM
ajbmeb-1431	135	3	)	)	PUNCT
ajbmeb-1431	135	4	.	.	PUNCT
ajbmeb-1431	136	1	экосистемные	экосистемные	PROPN
ajbmeb-1431	136	2	компании	компании	PROPN
ajbmeb-1431	136	3	:	:	PUNCT
ajbmeb-1431	136	4	границы	границы	VERB
ajbmeb-1431	136	5	и	и	PROPN
ajbmeb-1431	136	6	этапы	этапы	NOUN
ajbmeb-1431	136	7	развития	развития	VERB
ajbmeb-1431	136	8	//	//	PUNCT
ajbmeb-1431	136	9	https://vc.ru/finance/97873-ekosistemanaoborot	https://vc.ru/finance/97873-ekosistemanaoborot	PROPN
ajbmeb-1431	136	10	https://www.vedomosti.ru/finance/blogs/2019/06/27/804788	https://www.vedomosti.ru/finance/blogs/2019/06/27/804788	NUM
ajbmeb-1431	136	11	http://www.cbr.ru/	http://www.cbr.ru/	NUM
ajbmeb-1431	136	12	https://doi.org/10.1177/014920631667845	https://doi.org/10.1177/014920631667845	ADJ
ajbmeb-1431	136	13	https://doi.org/10.2139/ssrn.2439323	https://doi.org/10.2139/ssrn.2439323	ADJ
ajbmeb-1431	136	14	american	american	ADJ
ajbmeb-1431	136	15	journal	journal	PROPN
ajbmeb-1431	136	16	of	of	ADP
ajbmeb-1431	136	17	business	business	NOUN
ajbmeb-1431	136	18	management	management	NOUN
ajbmeb-1431	136	19	,	,	PUNCT
ajbmeb-1431	136	20	economics	economic	NOUN
ajbmeb-1431	136	21	and	and	CCONJ
ajbmeb-1431	136	22	banking	banking	NOUN
ajbmeb-1431	136	23	volume	volume	NOUN
ajbmeb-1431	136	24	18	18	NUM
ajbmeb-1431	136	25	nov	nov	PROPN
ajbmeb-1431	136	26	.	.	PROPN
ajbmeb-1431	136	27	,	,	PUNCT
ajbmeb-1431	136	28	2023	2023	NUM
ajbmeb-1431	136	29	p	p	NOUN
ajbmeb-1431	136	30	a	a	PRON
ajbmeb-1431	136	31	g	g	NOUN
ajbmeb-1431	136	32	e	e	NOUN
ajbmeb-1431	136	33	|	|	ADV
ajbmeb-1431	136	34	57	57	NUM
ajbmeb-1431	136	35	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1431	136	36	экономическая	экономическая	PROPN
ajbmeb-1431	136	37	наука	наука	PROPN
ajbmeb-1431	136	38	современной	современной	PROPN
ajbmeb-1431	136	39	россии	россии	PROPN
ajbmeb-1431	136	40	.	.	PUNCT
ajbmeb-1431	137	1	no	no	DET
ajbmeb-1431	137	2	4	4	NUM
ajbmeb-1431	137	3	(	(	PUNCT
ajbmeb-1431	137	4	87	87	NUM
ajbmeb-1431	137	5	)	)	PUNCT
ajbmeb-1431	137	6	.	.	PUNCT
ajbmeb-1431	138	1	с	с	PROPN
ajbmeb-1431	138	2	.	.	PUNCT
ajbmeb-1431	139	1	126–136	126–136	NUM
ajbmeb-1431	139	2	.	.	PUNCT
ajbmeb-1431	140	1	doi	doi	NOUN
ajbmeb-1431	140	2	:	:	PUNCT
ajbmeb-1431	140	3	10.33293/16091442	10.33293/16091442	NUM
ajbmeb-1431	140	4	-	-	SYM
ajbmeb-1431	140	5	2019	2019	NUM
ajbmeb-1431	140	6	-	-	PUNCT
ajbmeb-1431	140	7	4(87)-126	4(87)-126	NUM
ajbmeb-1431	140	8	-	-	NOUN
ajbmeb-1431	140	9	136	136	NUM
ajbmeb-1431	140	10	.	.	PUNCT
ajbmeb-1431	141	1	10	10	NUM
ajbmeb-1431	141	2	.	.	PUNCT
ajbmeb-1431	142	1	алиев	алиев	PROPN
ajbmeb-1431	142	2	м.м	м.м	PROPN
ajbmeb-1431	142	3	.	.	PROPN
ajbmeb-1431	142	4	,	,	PUNCT
ajbmeb-1431	142	5	мамедов	мамедов	VERB
ajbmeb-1431	142	6	м.а	м.а	PROPN
ajbmeb-1431	142	7	.	.	PROPN
ajbmeb-1431	142	8	,	,	PUNCT
ajbmeb-1431	142	9	рзаева	рзаева	PROPN
ajbmeb-1431	142	10	в.в	в.в	PROPN
ajbmeb-1431	142	11	.	.	PROPN
ajbmeb-1431	142	12	,	,	PUNCT
ajbmeb-1431	142	13	сафарли	сафарли	PROPN
ajbmeb-1431	142	14	а.х	а.х	PROPN
ajbmeb-1431	142	15	.	.	PROPN
ajbmeb-1431	142	16	экосистема	экосистема	PROPN
ajbmeb-1431	142	17	как	как	PROPN
ajbmeb-1431	142	18	новая	новая	PROPN
ajbmeb-1431	142	19	модель	модель	PROPN
ajbmeb-1431	142	20	развития	развития	PROPN
ajbmeb-1431	142	21	финансовых	финансовых	PROPN
ajbmeb-1431	142	22	организаций	организаций	PROPN
ajbmeb-1431	142	23	//	//	PROPN
ajbmeb-1431	143	1	гуманитарные	гуманитарные	NOUN
ajbmeb-1431	143	2	,	,	PUNCT
ajbmeb-1431	143	3	социально	социально	PROPN
ajbmeb-1431	143	4	-	-	PUNCT
ajbmeb-1431	143	5	экономические	экономические	PROPN
ajbmeb-1431	143	6	и	и	PROPN
ajbmeb-1431	143	7	общественные	общественные	NOUN
ajbmeb-1431	143	8	науки	науки	NOUN
ajbmeb-1431	143	9	//	//	PUNCT
ajbmeb-1431	144	1	м	м	X
ajbmeb-1431	144	2	.	.	PUNCT
ajbmeb-1431	145	1	№	№	ADP
ajbmeb-1431	145	2	8	8	NUM
ajbmeb-1431	145	3	2021	2021	NUM
ajbmeb-1431	145	4	г	г	PROPN
ajbmeb-1431	145	5	.	.	PUNCT
ajbmeb-1431	145	6	doi	doi	PROPN
ajbmeb-1431	145	7	10.23672	10.23672	NUM
ajbmeb-1431	145	8	/	/	SYM
ajbmeb-1431	145	9	m6478	m6478	NOUN
ajbmeb-1431	145	10	-	-	PUNCT
ajbmeb-1431	145	11	2891	2891	NUM
ajbmeb-1431	145	12	-	-	PUNCT
ajbmeb-1431	145	13	3501	3501	NUM
ajbmeb-1431	145	14	-	-	PUNCT
ajbmeb-1431	145	15	e.	e.	PROPN
ajbmeb-1431	145	16	11	11	NUM
ajbmeb-1431	145	17	.	.	PUNCT
ajbmeb-1431	146	1	bakhtiyarovich	bakhtiyarovich	PROPN
ajbmeb-1431	146	2	o.	o.	PROPN
ajbmeb-1431	146	3	b.	b.	PROPN
ajbmeb-1431	147	1	the	the	DET
ajbmeb-1431	147	2	role	role	NOUN
ajbmeb-1431	147	3	and	and	CCONJ
ajbmeb-1431	147	4	significance	significance	NOUN
ajbmeb-1431	147	5	of	of	ADP
ajbmeb-1431	147	6	the	the	DET
ajbmeb-1431	147	7	regional	regional	ADJ
ajbmeb-1431	147	8	investment	investment	NOUN
ajbmeb-1431	147	9	environment	environment	NOUN
ajbmeb-1431	147	10	in	in	ADP
ajbmeb-1431	147	11	attracting	attract	VERB
ajbmeb-1431	147	12	foreign	foreign	ADJ
ajbmeb-1431	147	13	investments	investment	NOUN
ajbmeb-1431	147	14	to	to	ADP
ajbmeb-1431	147	15	the	the	DET
ajbmeb-1431	147	16	economy	economy	NOUN
ajbmeb-1431	147	17	//conferencea	//conferencea	PUNCT
ajbmeb-1431	147	18	.	.	PUNCT
ajbmeb-1431	147	19	–	–	PUNCT
ajbmeb-1431	147	20	2023	2023	NUM
ajbmeb-1431	147	21	.	.	PUNCT
ajbmeb-1431	148	1	–	–	PUNCT
ajbmeb-1431	148	2	с	с	NOUN
ajbmeb-1431	148	3	.	.	PROPN
ajbmeb-1431	148	4	5	5	NUM
ajbmeb-1431	148	5	-	-	SYM
ajbmeb-1431	148	6	8	8	NUM
ajbmeb-1431	148	7	.	.	NOUN
ajbmeb-1431	148	8	12	12	NUM
ajbmeb-1431	148	9	.	.	PUNCT
ajbmeb-1431	149	1	bakhtiyor	bakhtiyor	ADJ
ajbmeb-1431	149	2	o‘g‘li	o‘g‘li	NOUN
ajbmeb-1431	149	3	o.	o.	PROPN
ajbmeb-1431	149	4	b.	b.	PROPN
ajbmeb-1431	150	1	theoretical	theoretical	ADJ
ajbmeb-1431	150	2	aspects	aspect	NOUN
ajbmeb-1431	150	3	of	of	ADP
ajbmeb-1431	150	4	investment	investment	NOUN
ajbmeb-1431	150	5	attractiveness	attractiveness	NOUN
ajbmeb-1431	150	6	//american	//american	PUNCT
ajbmeb-1431	150	7	journal	journal	NOUN
ajbmeb-1431	150	8	of	of	ADP
ajbmeb-1431	150	9	technology	technology	NOUN
ajbmeb-1431	150	10	and	and	CCONJ
ajbmeb-1431	150	11	applied	apply	VERB
ajbmeb-1431	150	12	sciences	science	NOUN
ajbmeb-1431	150	13	.	.	PUNCT
ajbmeb-1431	150	14	–	–	PUNCT
ajbmeb-1431	150	15	2023	2023	NUM
ajbmeb-1431	150	16	.	.	PUNCT
ajbmeb-1431	151	1	–	–	PUNCT
ajbmeb-1431	151	2	т	т	X
ajbmeb-1431	151	3	.	.	PROPN
ajbmeb-1431	151	4	10	10	NUM
ajbmeb-1431	151	5	.	.	PUNCT
ajbmeb-1431	151	6	–	–	PUNCT
ajbmeb-1431	152	1	с	с	NOUN
ajbmeb-1431	152	2	.	.	PUNCT
ajbmeb-1431	153	1	144	144	NUM
ajbmeb-1431	153	2	-	-	SYM
ajbmeb-1431	153	3	149	149	NUM
ajbmeb-1431	153	4	.	.	PUNCT
ajbmeb-1431	154	1	13	13	NUM
ajbmeb-1431	154	2	.	.	X
ajbmeb-1431	155	1	abdullaevich	abdullaevich	PROPN
ajbmeb-1431	155	2	n.	n.	PROPN
ajbmeb-1431	155	3	i.	i.	PROPN
ajbmeb-1431	155	4	foreign	foreign	ADJ
ajbmeb-1431	155	5	experiences	experience	NOUN
ajbmeb-1431	155	6	of	of	ADP
ajbmeb-1431	155	7	attracting	attract	VERB
ajbmeb-1431	155	8	foreign	foreign	ADJ
ajbmeb-1431	155	9	direct	direct	ADJ
ajbmeb-1431	155	10	investments	investment	NOUN
ajbmeb-1431	155	11	//the	//the	DET
ajbmeb-1431	155	12	peerian	peerian	ADJ
ajbmeb-1431	155	13	journal	journal	NOUN
ajbmeb-1431	155	14	.	.	PUNCT
ajbmeb-1431	156	1	–	–	PUNCT
ajbmeb-1431	156	2	2023	2023	NUM
ajbmeb-1431	156	3	.	.	PUNCT
ajbmeb-1431	157	1	–	–	PUNCT
ajbmeb-1431	157	2	т	т	X
ajbmeb-1431	157	3	.	.	NOUN
ajbmeb-1431	157	4	22	22	NUM
ajbmeb-1431	157	5	.	.	PUNCT
ajbmeb-1431	157	6	–	–	PUNCT
ajbmeb-1431	158	1	с	с	PROPN
ajbmeb-1431	158	2	.	.	PROPN
ajbmeb-1431	158	3	46	46	NUM
ajbmeb-1431	158	4	-	-	SYM
ajbmeb-1431	158	5	50	50	NUM
ajbmeb-1431	158	6	.	.	PUNCT
ajbmeb-1431	158	7	14	14	NUM
ajbmeb-1431	158	8	.	.	PUNCT
ajbmeb-1431	159	1	abdullayevich	abdullayevich	PROPN
ajbmeb-1431	159	2	n.	n.	PROPN
ajbmeb-1431	159	3	i.	i.	PROPN
ajbmeb-1431	159	4	attracting	attract	VERB
ajbmeb-1431	159	5	foreign	foreign	ADJ
ajbmeb-1431	159	6	direct	direct	ADJ
ajbmeb-1431	159	7	investment	investment	NOUN
ajbmeb-1431	159	8	is	be	AUX
ajbmeb-1431	159	9	a	a	DET
ajbmeb-1431	159	10	guarantee	guarantee	NOUN
ajbmeb-1431	159	11	of	of	ADP
ajbmeb-1431	159	12	progress	progress	NOUN
ajbmeb-1431	159	13	//miasto	//miasto	PUNCT
ajbmeb-1431	160	1	przyszłości	przyszłości	NOUN
ajbmeb-1431	160	2	.	.	PUNCT
ajbmeb-1431	161	1	–	–	PUNCT
ajbmeb-1431	161	2	2022	2022	NUM
ajbmeb-1431	161	3	.	.	PUNCT
ajbmeb-1431	162	1	–	–	PUNCT
ajbmeb-1431	162	2	т	т	X
ajbmeb-1431	162	3	.	.	PROPN
ajbmeb-1431	162	4	24	24	NUM
ajbmeb-1431	162	5	.	.	PUNCT
ajbmeb-1431	162	6	–	–	PUNCT
ajbmeb-1431	163	1	с	с	NOUN
ajbmeb-1431	163	2	.	.	PUNCT
ajbmeb-1431	164	1	226	226	NUM
ajbmeb-1431	164	2	-	-	SYM
ajbmeb-1431	164	3	230	230	NUM
ajbmeb-1431	164	4	.	.	PUNCT
ajbmeb-1431	165	1	15	15	NUM
ajbmeb-1431	165	2	.	.	PUNCT
ajbmeb-1431	166	1	хашимов	хашимов	PROPN
ajbmeb-1431	166	2	ж	ж	X
ajbmeb-1431	166	3	.	.	PUNCT
ajbmeb-1431	167	1	iqtisodiyotga	iqtisodiyotga	ADJ
ajbmeb-1431	167	2	to	to	ADP
ajbmeb-1431	167	3	‘	'	PUNCT
ajbmeb-1431	167	4	g	g	NOUN
ajbmeb-1431	167	5	‘	'	PUNCT
ajbmeb-1431	167	6	ridan	ridan	NOUN
ajbmeb-1431	167	7	-	-	PUNCT
ajbmeb-1431	167	8	to	to	ADP
ajbmeb-1431	167	9	‘	'	PUNCT
ajbmeb-1431	167	10	g	g	NOUN
ajbmeb-1431	167	11	‘	'	PUNCT
ajbmeb-1431	167	12	ri	ri	PROPN
ajbmeb-1431	167	13	xorijiy	xorijiy	PROPN
ajbmeb-1431	167	14	investitsiyalarni	investitsiyalarni	PROPN
ajbmeb-1431	167	15	jalb	jalb	PROPN
ajbmeb-1431	167	16	qilish	qilish	ADJ
ajbmeb-1431	167	17	hajmini	hajmini	NOUN
ajbmeb-1431	167	18	oshirish	oshirish	PROPN
ajbmeb-1431	167	19	yo	yo	PROPN
ajbmeb-1431	167	20	‘	'	PUNCT
ajbmeb-1431	167	21	llari	llari	X
ajbmeb-1431	167	22	//economics	//economics	PUNCT
ajbmeb-1431	167	23	and	and	CCONJ
ajbmeb-1431	167	24	innovative	innovative	ADJ
ajbmeb-1431	167	25	technologies	technology	NOUN
ajbmeb-1431	167	26	.	.	PUNCT
ajbmeb-1431	168	1	–	–	PUNCT
ajbmeb-1431	168	2	2023	2023	NUM
ajbmeb-1431	168	3	.	.	PUNCT
ajbmeb-1431	169	1	–	–	PUNCT
ajbmeb-1431	169	2	т	т	X
ajbmeb-1431	169	3	.	.	NOUN
ajbmeb-1431	169	4	11	11	NUM
ajbmeb-1431	169	5	.	.	X
ajbmeb-1431	169	6	–	–	PUNCT
ajbmeb-1431	169	7	№	№	NOUN
ajbmeb-1431	169	8	.	.	PUNCT
ajbmeb-1431	170	1	4	4	NUM
ajbmeb-1431	170	2	.	.	X
ajbmeb-1431	170	3	–	–	PUNCT
ajbmeb-1431	170	4	с	с	NOUN
ajbmeb-1431	170	5	.	.	PROPN
ajbmeb-1431	171	1	93	93	NUM
ajbmeb-1431	171	2	-	-	SYM
ajbmeb-1431	171	3	99	99	NUM
ajbmeb-1431	171	4	.	.	PUNCT
ajbmeb-1431	172	1	16	16	NUM
ajbmeb-1431	172	2	.	.	PUNCT
ajbmeb-1431	173	1	ravshanbek	ravshanbek	ADJ
ajbmeb-1431	173	2	o’g’li	o’g’li	PROPN
ajbmeb-1431	174	1	h.	h.	PROPN
ajbmeb-1431	174	2	j.	j.	PROPN
ajbmeb-1431	175	1	the	the	DET
ajbmeb-1431	175	2	existing	exist	VERB
ajbmeb-1431	175	3	problems	problem	NOUN
ajbmeb-1431	175	4	in	in	ADP
ajbmeb-1431	175	5	attracting	attract	VERB
ajbmeb-1431	175	6	foreign	foreign	ADJ
ajbmeb-1431	175	7	investment	investment	NOUN
ajbmeb-1431	175	8	to	to	ADP
ajbmeb-1431	175	9	the	the	DET
ajbmeb-1431	175	10	national	national	ADJ
ajbmeb-1431	175	11	economy	economy	NOUN
ajbmeb-1431	175	12	and	and	CCONJ
ajbmeb-1431	175	13	ways	way	NOUN
ajbmeb-1431	175	14	to	to	PART
ajbmeb-1431	175	15	overcome	overcome	VERB
ajbmeb-1431	175	16	them	they	PRON
ajbmeb-1431	175	17	//the	//the	DET
ajbmeb-1431	175	18	american	american	ADJ
ajbmeb-1431	175	19	journal	journal	PROPN
ajbmeb-1431	175	20	of	of	ADP
ajbmeb-1431	175	21	management	management	NOUN
ajbmeb-1431	175	22	and	and	CCONJ
ajbmeb-1431	175	23	economics	economic	NOUN
ajbmeb-1431	175	24	innovations	innovation	NOUN
ajbmeb-1431	175	25	.	.	PUNCT
ajbmeb-1431	176	1	–	–	PUNCT
ajbmeb-1431	176	2	2021	2021	NUM
ajbmeb-1431	176	3	.	.	PUNCT
ajbmeb-1431	177	1	–	–	PUNCT
ajbmeb-1431	177	2	т	т	X
ajbmeb-1431	177	3	.	.	NOUN
ajbmeb-1431	177	4	3	3	NUM
ajbmeb-1431	177	5	.	.	X
ajbmeb-1431	177	6	–	–	PUNCT
ajbmeb-1431	177	7	№	№	NOUN
ajbmeb-1431	177	8	.	.	PUNCT
ajbmeb-1431	178	1	09	09	NUM
ajbmeb-1431	178	2	.	.	PUNCT
ajbmeb-1431	179	1	–	–	PUNCT
ajbmeb-1431	179	2	с	с	NOUN
ajbmeb-1431	179	3	.	.	PROPN
ajbmeb-1431	180	1	53	53	NUM
ajbmeb-1431	180	2	-	-	SYM
ajbmeb-1431	180	3	59	59	NUM
ajbmeb-1431	180	4	.	.	PUNCT
ajbmeb-1431	181	1	17	17	NUM
ajbmeb-1431	181	2	.	.	PUNCT
ajbmeb-1431	182	1	бутаев	бутаев	NOUN
ajbmeb-1431	183	1	ж	ж	PROPN
ajbmeb-1431	183	2	.	.	PROPN
ajbmeb-1431	183	3	,	,	PUNCT
ajbmeb-1431	183	4	раджабов	раджабов	PROPN
ajbmeb-1431	183	5	у	у	PROPN
ajbmeb-1431	183	6	.	.	PUNCT
ajbmeb-1431	183	7	актуальные	актуальные	NOUN
ajbmeb-1431	183	8	вопросы	вопросы	NOUN
ajbmeb-1431	183	9	развития	развития	VERB
ajbmeb-1431	183	10	фондового	фондового	PROPN
ajbmeb-1431	183	11	рынка	рынка	PROPN
ajbmeb-1431	183	12	в	в	PROPN
ajbmeb-1431	183	13	национальной	национальной	VERB
ajbmeb-1431	183	14	экономике	экономике	PROPN
ajbmeb-1431	183	15	//экономика	//экономика	PUNCT
ajbmeb-1431	184	1	и	и	PROPN
ajbmeb-1431	184	2	социум	социум	PROPN
ajbmeb-1431	184	3	.	.	PUNCT
ajbmeb-1431	184	4	–	–	PUNCT
ajbmeb-1431	184	5	2021	2021	NUM
ajbmeb-1431	184	6	.	.	PUNCT
ajbmeb-1431	185	1	–	–	PUNCT
ajbmeb-1431	185	2	№	№	NOUN
ajbmeb-1431	185	3	.	.	PUNCT
ajbmeb-1431	186	1	4	4	NUM
ajbmeb-1431	186	2	-	-	SYM
ajbmeb-1431	186	3	1	1	NUM
ajbmeb-1431	186	4	(	(	PUNCT
ajbmeb-1431	186	5	83	83	NUM
ajbmeb-1431	186	6	)	)	PUNCT
ajbmeb-1431	186	7	.	.	PUNCT
ajbmeb-1431	187	1	–	–	PUNCT
ajbmeb-1431	187	2	с	с	NOUN
ajbmeb-1431	187	3	.	.	PUNCT
ajbmeb-1431	187	4	768	768	NUM
ajbmeb-1431	187	5	-	-	SYM
ajbmeb-1431	187	6	771	771	NUM
ajbmeb-1431	187	7	.	.	PUNCT